2010年--外文翻译--中小企业技术信贷基金竞争风险模型（节选）

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1、1800 单词， 1 万英文字符， 3150 汉字 出处： Sohn S Y, Jeon H. Competing Risk Model for Technology Credit Fund for Small and Medium-Sized EnterprisesJ. Journal of Small Business Management, 2010, 48(3):378394. Competing Risk Model for Technology Credit Fund for Small and Medium-Sized Enterprises So Young Sohn and

2、Hyejin Jeon Despite the need to foster a technology-intensive industry, most Korean SMEs (small and medium-sized enterprises) are faced with the difficulty of raising funds. To resolve this problem, the government set up the technology credit fund to give loans to enterprises that achieve a certain

3、technology evaluation score. However, many of the recipient SMEs fail to pay back the loans for various reasons. In this paper, we distinguish two causes of default due to owner and company, respectively, using the competing risk model. The proposed prediction models for competing defaults are expec

4、ted to contribute to the healthy management of technology finance. Introduction As globalization and competition among countries throughout the world intensifies, technology becomes an important factor in determining the competitiveness and industrial development of a country. In Korea, many industr

5、ies have switched from concentrating on the production of labor-intensive items such as textiles to focusing on the production of technology-intensive products such as semiconductors, TFT-LCD, and mobile handsets (MCIE, 2003). These fields are often viewed as incubators of innovation and growth (Car

6、ter and Van Auken, 2006; Craig, Jackson, and Thomson 2003). Consequently, many small and medium-sized enterprises (SMEs) are in need of an immense amount of funds for technology development and commercialization. On the public side, the government is leading technology innovation by supporting the SMEs via the technology credit fund. For instance, in Korea, the Institute of Industrial Technology Evaluation and Planning under the Ministry of Commerce and Industry and Energy (MCIE) has b