중소기업 지원용 공공기금의 효율적 관리를 위한 제도개선 방안

A Study on the System Improvement for the Efficient Management of Public Funds(Credit Guarantee Fund and Technology Credit Guarantee Fund) for Supporting Small & Middle Enterprises

Credit Guarantee Fund and Technology Credit Guarantee Fund (“Public Funds” hereinafter) are founded by the CREDIT GUARANTEE FUND ACT and TECHNOLOGY CREDIT GUARANTEE FUND ACT each to support the financing of Small and Medium Enterprises("SMEs" hereinafter) which have deficient collateral. These Public Funds only focus on the guarantee support services to help the companies without any other special following-up control except for exercising the right to indemnity after subrogation fulfilled by them. Public funds are not the private sectors for profit, but public organizations made in accordance with the ideals of public welfare for the development of SMEs. Therefore, for maintaining the financial soundness, Public Funds should take the charge of management of the SMEs Public Funds subrogated (which have become enterprises insolvent) because the government's contribution is the largest portion of Public Funds. As mentioned above, after subrogation, Public Funds should maintain the soundness by improving the value of the SMEs Public Funds subrogated (which have become enterprises insolvent) or collecting the debt quickly from the corporate bankruptcy foundation of that above mentioned SMEs as the manager for company rehabilitation or the trustee in bankruptcy on DEBTOR REHABILITATION AND BANKRUPTCY ACT.