CAJ | 학술논문

打破金融机构对科技型小微企业科技能力识别差的现状，建立各行业通用的科技型小微企业核心技术水平识别方法，有利于提升金融机构科技投资能力，降低其投资风险。现代萃智（TRIZ）更注重企业创新同市场的结合，其包含的技术系统优胜劣汰思想以及相应的产品进化趋势判别工具有利于扩展金融投资研究的角度，将现代TBIZ理论与金融结合，从MPV的改进程度来识别科技型小微企业技术水平，既可构建出一种金融与科技的通道，又可引导金融资源流向具有较高价值核心技术的科技型小微企业。
타파금융궤구대과기형소미기업과기능력식별차적현상，건립각행업통용적과기형소미기업핵심기술수평식별방법，유리우제승금융궤구과기투자능력，강저기투자풍험。현대췌지（TRIZ）경주중기업창신동시장적결합，기포함적기술계통우성렬태사상이급상응적산품진화추세판별공구유리우확전금융투자연구적각도，장현대TBIZ이론여금융결합，종MPV적개진정도래식별과기형소미기업기술수평，기가구건출일충금융여과기적통도，우가인도금융자원류향구유교고개치핵심기술적과기형소미기업。
If we have a method to identify the core technology of small and micro enterprises without involving the technical details, it will improve the ability of investment to technology for financial institutions. Modem TRIZ pays more attention to the market when it provide inno- vation tools. It is based on the idea that technology systems must be survivals of the fittest and has a lot of tools to determine the trends of the products, which can expand the research perspective for financial investment. Combined the modem TRIZ with finance, we can establish a method which not only help us to identify the technical level of the small and micro enterprises from MPV, but also build a channel of finance and technology, guide the flow of financial resources to the small and micro enterprises which have a high value of core technology.