소상공인 금융니즈와 금융지원에 대한 정책적 제언

초록

The main purpose of this study is to investigate financial needs of small business owners and explore the improvement on financial support and financial services. As a research method to do this, the questionnaire survey and interview were conducted for 22 small business owners. We propose the following practical alternatives based on the results of the interview. First of all, alternatives for the government-led support system and the banking sector are as follows: First, public relations such as exposure to mass media that small business owners can easily access is needed to raise awareness of government support. Second, it is necessary to improve the complex process and procedure of lending by building and providing financial platforms to enable non-contact online transactions. Next, financial services that small business owners want for fintech and techfin companies are as follows: First, various preferential benefits for small business owners, such as simplified payment and settlement process, fee remission, and micro-credit, are needed. Second, comprehensive support measures such as consulting and mentoring services including education on tax, accounting, business management, etc. should be prepared. Third, it is required introduce alternative credit rating system using various qualitative indicators that can gauge future growth, such as transaction details, a percentage of regular customers, and revenue stream, etc. This study is expected to provide implications for techfin companies and existing financial institutions to establish non-market strategy and prevent market failure.

키워드