Decision tree-based technology credit scoring for start-up firms: Korean case

Authors:
So Young Sohn;Ji Won Kim
Affiliations:
Department of Information & Industrial Engineering, Yonsei University, 134 Shinchon-dong, Seoul 120-749, Republic of Korea;Department of Information & Industrial Engineering, Yonsei University, 134 Shinchon-dong, Seoul 120-749, Republic of Korea
Venue:
Expert Systems with Applications: An International Journal
Year:
2012

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Abstract

Various types of Technology Credit Guarantees (TCGs) have been issued to support technology development of start-up firms. Technology evaluation has become a critical part of TCG system. However, general technology credit scoring models have not been applied reflecting the special phenomena of start-ups, which are distinguishable from those of established firms. Furthermore, somewhat complicated approaches have been applied to existing models. We propose a rather simple decision tree-based technology credit scoring for start-ups which can serve as a-replacement for the complicated models currently used for general purposes. Our result is expected to provide valuable information to evaluator for start-up firms.