Providing Strategies for the development of credit scoring system of small and medium-sized knowledge-based enterprises in Iran

Document Type : Research Paper


1 Collaborating faculty, Secretariat of Supreme Council of the Cultural Revolution, PhD of Technology Management, Allameh Tabataba’i University

2 Faculty member, Technology Studies Institute, Tehran, Iran.

3 Faculty member, Technology Studies Institute, Tehran.


Due to the importance of Knowledge-based SMEs in the development of knowledge-based economy, it is very important to address the issues facing their development. Financing is one of these issues rooted in the information asymmetry between Knowledge-based SMEs and the credit market. Promotion of credit scoring as a solution to resolve imperfect information, requires adopting strategies regarding the three main pillars of the credit scoring system, i.e. specialized credit rating agancies, regulatory mechanisms, and data sharing institutions and mechanisms. For this purpose, this research, using the qualitative research method based on interviews and qualitative content analysis, tries to provide strategies for developing the credit scoring system of these enterprises. The results of this study show that in addition to general strategies for organizing the value chain of credit scoring, the formation of specialized institutions, and facilitating data exchange with confidentiality consideration, specific strategies to improve the credit scoring of knowledge-based SMEs can be pursued. Given the specific characteristics of knowledge-based enterprises, these strategies aimed at developing forward-looking credit scoring models, modifying accounting standards for recording intangible assets, and facilitating access to the data of these companies by creating a specialized database in the field of knowledge-based enterprises.


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