چارچوب ارزیابی الکترونیکی B2B خدمات تضمین مالی

Because small and medium sized businesses form the basis of the national economy, creating conditions under which they can maintain stable growth in a more competitive environment is a principal challenge for continuous economic growth. Due to a lack of managerial resources in practice, however, they experience difficulties in raising funds and accessing the financial market. On the other hand, B2B electronic commerce is growing at a rapid pace as an electronic trading agent and B2B electronic payment is expanding in terms of a company’s cost reduction and outsourcing. As B2B electronic payment products are expanded due to the introduction of the B2B electronic commerce guarantee, the trading amounts are noticeably increasing. However, even though the B2B electronic commerce guarantee service provides many benefits and good effects, it accounts for only a small part of total electronic commerce. Furthermore, many companies lack awareness of the value of the B2B electronic commerce guarantee service, and they do not use it actively or regard it as a means of payment. This study analyzes the economic effects on the electronic guarantee gateway introduced as a solution to procure funds and approach the financial market for small and medium businesses. It divides the stakeholders of the electronic guarantee gateway into credit guarantee organizations, banks, e-marketplaces, selling companies, and small and medium sized purchasing companies, and its economic effect is analyzed based on their objective data.

Because small and medium sized businesses form the basis of the national economy, creating conditions under which they can maintain stable growth in a more competitive environment is a principal challenge for continuous economic growth. Due to a lack of managerial resources in practice, however, they experience difficulties in raising funds and obtaining access to the financial market. On the other hand, B2B electronic commerce is growing at a rapid pace as an electronic trading agent and B2B electronic payment is expanding in terms of a company’s cost reduction and outsourcing. As the B2B electronic payment products are expanded due to introduction of the B2B electronic commerce guarantee, the trading amount is noticeably increasing [1] and [2]. However, even though the B2B electronic commerce guarantee service provides many benefits and good effects, it accounts for only a small part of the total electronic commerce. Furthermore, many companies lack awareness of the value of the B2B electronic commerce guarantee service, and they do not use it actively or regard it as a means of payment [3]. Therefore, this study would like to analyze the economic effects for the benefits and ripple effects provided by the B2B electronic guarantee gateway.

Even though political and technical support is being introduced to create conditions for the stable growth of small and medium businesses forming the base of the national economy, a definite solution has not been established for the difficulties of procuring funds and approaching the financial market for small and medium businesses. In addition, as the B2B electronic payment product is expanded due to introduction of the B2B electronic commerce guarantee, the transaction amounts are remarkably increased. However, many companies are not aware of the benefits of the B2B electronic commerce guarantee service and do not use it actively or consider it as a means of payment. Accordingly, this study analyzed the economic effects on the electronic guarantee gateway introduced as a solution to procure funds and approach financial market for small and medium businesses. It divided stakeholders of the electronic guarantee gateway into credit guarantee organizations, banks, e-marketplaces, selling companies, and small and medium purchasing companies, and its economic effect was analyzed based on their objective data. The electronic guarantee gateway’s commission of the guarantee organization is analyzed as 20.9 billion won, and the amount reduced due to a decrease of the accident rate is analyzed as 25.7 billion won. The increased commission of the banks is analyzed as 63.2 billion won as in Equation (7). In addition, the sales increase of the e-marketplace is analyzed as 4.18 billion won, and the reduction of bad debts expense for the selling companies is analyzed as 1.59 billion won. Finally, the profit increase for the purchasing companies is analyzed as 27.74 billion won. We will continue to carry out analysis on the economic effects following expansion and activation of the electronic guarantee gateway in the future. It is expected that the electronic guarantee gateway has a great effect on national economic aspects such as strengthening IT competitiveness by spreading e-business, securing transparency of transactions through electronic transactions etc., by providing user-oriented services through the electronic guarantee gateway. In addition, it is expected that the gap of introducing information technology, which is a main cause of productivity differences between the large and the small and medium businesses, could be solved by support to create an IT infrastructure focused on cooperative business processes between large, medium, and small companies.