About Technology Gurantee and Technology Appraisal

About Technology Gurantee and Technology Appraisal.hwp

About Technology Gurantee and Technology Appraisal

Technology Gurantee - Overview

1. For SMEs, obtaining lending facilities of the financial institutions, in particular commercial banks, constitute an essential part of their growth strategy.

문장구조분석 : <For SMEs,> 부사구 (obtaining lending facilities of the financial institutions) 주어, <in particular commercial banks> 부사구, constitute V3타동사 (an essential part) 목적어 [of their growth strategy.] 형용사구

직해 : 중소기업들에게, 금융기관에서 대출차관을 받는 것은 /특히 상업은행에서/ ~이 되는 것으로 여겨진다 /꼭 필요한 부분/ 그들의 성장 전략에

해석 : 중소기업들에게 금융기관에서 대출파관을 받는 것은 그들의 성장전략에 꼭 필요한 부분으로 여겨진다 특히 상업은행에서

단어&문법&의미:

 lending facilities  : 대출차관

financial institutions : 금융기관

constitute : ~이 되는 것으로 여겨지다, ~이 되다, ~을 구성하다

2. However, SMEs in Korea find it difficult to borrow from lending institutions.

문장구조분석 : <However>부사구, (SMEs in Korea)주어 find V5 (it)가목적어 difficult 목적보어 (to borrow) 진목적어<from lending institutions.> 부사구

직해 : 그러나, 한국의 중소기업들은/ ~을 발견하다/ 그것이 /어렵다는 것을/ 돈을 빌리는 것이 대출업체로 부터

해석 : 그러나 한국 중소기업들은 대출업체로부터 돈을 빌리는 것이 어렵다는 것을 발견한다.

단어&문법&의미: lending institutions 대출업체

3. (The reason) 주어 why(관계부사) SMEs, <even those with high growth potential>, have V3 (limited access to institutional finance) are V2 (as follows): (Lending to SMEs)is considered V3수동태구 <to be risky.>

문장구조분석 :  The reason) 주어 why(관계부사) SMEs, <even those with high growth potential>, have V3 (limited access to institutional finance) are V2 (as follows): (Lending to SMEs)is considered V3수동태구 <to be risky.>

직해 : 그 이유 왜 중소기업들은/ 심지어 이러한 높은 잠재력을 갖고도/ ~을 갖는다/ 금융기관에 제한된 접근/은 다음과 같다/중소기업들에게 돈을 빌려주는 것은 / 고려된다/ 위험으로

해석 : 중소기업이 심지어 이러한 높은 잠재력을 갖고도 금융기관에 제한된 접근을 갖는 이유는 다음과 같다 : 중소기업에게 돈을 빌려주는 것은 위험으로 고려된다.

단어&문법&의미:

4. The uncertainty facing small industry and their vulnerability to market and economic changes make banks reluctant to deal with them; Banks and financial institutions are biased in favor of lending to large corporate borrowers; And, among other reasons, SMEs seeking loans are unable to provide securities or collateral for the loans.

문장구조분석 : (The uncertainty facing small industry and their vulnerability to market and economic changes) make (banks) (reluctant to deal with them); (Banks and financial institutions) are biased <in favor of lending to large corporate borrowers>; And, among other reasons, (SMEs seeking loans) are (unable) <to provide securities or collateral for the loans.>

직해 :

해석 :

단어&문법&의미:

5. In an attempt to help SMEs overcome above difficulties in financing, KOTEC launched its technology guarantee service.

문장구조분석 : <In an attempt to help v5 SMEs overcome (above difficulties) [in financing]>, KOTEC launched v3(its technology guarantee service.)

직해 : 도우려는 시도 중소기업이 극복하도록 어려움을 자금조달에서, KOTEC은 시작했다 그것의 기술 보증 서비스를

해석 : 중소기업이 자금조달의 어려움을 극복하도록 도우려는 시도로, KOTEC은 기술 보증 서비스를 시작했다.

단어&문법&의미: help(준사역동사) + 목적어+목적보어

6. Various technology guarantee schemes were set up with the purpose of covering the losses incurred when borrowers default on loans.

문장구조분석 : (Various technology guarantee schemes) were set up with (the purpose) [of covering the losses incurred] <when borrowers default on loans.>

직해 : 다양한 기술보증제도는/ 설정되었다/ 목적과 함께 /초래된 손실을 커버하려는/ 대출자가 채무를 불이행 했을 시에

해석 : 다양한 기술보증제도는 대출자가 채무 불이행시에 초래된 손실을 커버하려는 목적으로 설정되었다.

단어&문법&의미: schemes 계획, 제도  incurred 초래된  incur 좋지 못한 상황을[에]) 초래하다[처하게 되다]

default on ~의 이행을 게을리하다 borrowers 대출자

7. The purpose of such schemes is also to encourage financial institutions to lend to SMEs with viable projects and good prospects of success but which are unable to provide adequate collateral or which do not have a suitable record of financial transactions to prove that they are credit worthy.

문장구조분석 : (The purpose of such schemes) is v2 <also> (to encourage financial institutions to lend) <to SMEs with viable projects and good prospects of success> but (which) are unable to provide adequate collateral or which do not have a suitable record of financial transactions to prove that they are credit worthy.

직해 :

해석 :

단어&문법&의미:

8. The general description of the usual process of technology guarnatee schemes is as follows.

문장구조분석 :

직해 :

해석 :

단어&문법&의미:

9. A potential borrower who cannot meet a bank's lending criteria --which usually means the borrower cannot provide satisfactory collateral--is referred by banks to KOTEC.

문장구조분석 :

직해 :

해석 :

단어&문법&의미:

10. Staff in branches carry out independant appraisal of loan guarantee application to investigate the borrowers' creditworthiness, the use to which the loan is to be put, his prospective ability to service the debt, and above all, the superioty of thechnology.

문장구조분석 :

직해 :

해석 :

단어&문법&의미:

10. In most cases, the banks rely on investigation and approval by KOTEC for their decision of the loan extension.

문장구조분석 :

직해 :

해석 :

단어&문법&의미:

11. If it is found that the case is suitable for a guarantee, the borrower returns to the bank with a letter of guarantee issued by KOTEC and take out the loan.

문장구조분석 :

직해 :

해석 :

단어&문법&의미:

12. Usually, the guarantee involves the payment of guarantee fee, whose amount depends on the size of the amount being guaranteed.

문장구조분석 :

직해 :

해석 :

단어&문법&의미:

13. Meanwhile, in order to implement a more fair and transparent guarantee examination, KOTEC launched Cyber Branch Office and developed a self-diagnosis service with which an enterprise can be evaluated and diagnosed of its credit status using the credit assessment simulation model, which is based on financial data that the client inputs on its own.

문장구조분석 :

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단어&문법&의미:

14. After filing documents with KOTEC, the whole procedure from application to its final results is fully disclosed to all the applicants through the Internet.

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단어&문법&의미:

Technology Appraisal – OVERVIEW

15. Technology is thought to be the most important asset of a business concern which determines the future of the company.

문장구조분석 :

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단어&문법&의미:

16. However, until recently, it has hardly been accepted as collateral in financial institutions, as it is hard to quantify the monetary value of such intangible assets and is not easily traded like commodities. Moreover, there were no reliable and specialized institutions in charge of appraising technology.

문장구조분석 :

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단어&문법&의미:

17. In this situation, KOTEC initiated the technology appraisal service by launching Technology Appraisal Center(TAC) in 1997 in order to introduce credit guarantee facilities which are provided based on the technological capabilities of business enterprises.

문장구조분석 :

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단어&문법&의미:

18. In an attempt to expand its technology appraisal power, KOTEC also reorganized its infrastructure of the technology appraisal manpower.

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단어&문법&의미:

19. The Technology Appraisal Bureau was launched to carry out its mission independently in 2004.

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단어&문법&의미:

20. In connection with the effort to enhance the technology appraisal capability and respond to growing demand, more than 865 technology appraisal experts, including 154 Ph.D. holders and equivalents, are currently working at KOTEC’s TACs and Technology Appraisal Institutes, with more than 1,000 experts of various fields across the nation, commissioned as outside advisors.

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단어&문법&의미:

21. By doing so, KOTEC opened a new frontier of technology financing in the Korean financial markets.

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단어&문법&의미:

22. KOTEC's technology appraisal plays an important role for the public benefit by helping the government select right beneficiaries.

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단어&문법&의미:

23. It insures the efficient distribution of the limited financial resources, and thus enhance the quality and efficiency of government policies and financial system for supporting promising SMEs and venture enterprises.

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단어&문법&의미:

Technology Appraisal –ABOUT TAC

Role

24. In its capacity as a specialized technology evaluation institution, KOTEC has been operating Technology Appraisal Centers(TACs) since March 1997, with the aim of making reliable appraisals of the technologies owned by corporations.

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단어&문법&의미:

25. The Korean Government has accredited TAC as the technology evaluation institution under the "Act on Special Measures for the Promotion of Venture Businesses", the "Invention Promotion Act", and the "Foreign Investment Promotion Act."

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단어&문법&의미:

26. Thus, TAC has been given a mandate to provide assistance programs implemented by government agencies and financial institutions.

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단어&문법&의미:

27. TAC helps to promote the start-up and development of SMEs and venture enterprises by providing them with easier access to funding through the appraisal of business prospects and technologies registered for patent rights or utility models, as well as through conducting feasibility study for the commercialization of new technologies and creative ideas.

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단어&문법&의미:

28. The services of TAC have been proved to be of great help for the SMEs and venture enterprises which often face difficulty getting loans from financial agencies for lack of physical collateral, commercializing their creative ideas, having legal status for certified venture enterprises, attracting investment or selling or buying technologies.

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단어&문법&의미:

Organization and Manpower

29. KOTEC operates 52 TACs and 1 Technology Appraisal Institutes.

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단어&문법&의미:

30. Each TAC has specialized teams in charge of various industries, including machinery, electrical appliances & electronics, telecommunications, materials & metals, chemical engineering, etc.

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단어&문법&의미:

31. The heads of each team are either appraisal experts with doctoral degrees in engineering and business administration, technical experts or Certified Public Accountants.

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32. Each team also includes members with expertise and practical experience in credit investigation and evaluation of business prospects.

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단어&문법&의미:

33. In addition to this in-house experts, TACs manage a pool of specialists that includes professors and technical experts from both private and public institutions to secure objectivity and fairness in its evaluations.

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