消費者對理財專員服務接觸與關係品質之 認知-以銀行業為例 ·...

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行銷評論,2006 年冬季 3 卷,第 4 期,頁 447-472 消費者對理財專員服務接觸與關係品質之 認知-以銀行業為例 楊雪蘭 南台科技大學企業管理系副教授 陳寶蓮 南台科技大學企業管理研究所碩士班研究生 張如惠 南台科技大學企業管理研究所碩士班研究生 在過去幾年中,顧客關係管理的研究聚焦於如何提昇顧客的忠誠度和 服務品質。而在銀行業中,理財專員服務品質與提升雙方關係的方法變成 重要的研究主題。 本研究是由理財專員的專業角色及關係銷售行為入手,並透過消費者 的關係品質知覺,探討其對銷售效果以及顧客反應可能產生的影響。運用 路徑分析後本研究發現,銀行服務供應者可善加利用角色行為的概念,加 強溝通效能及人際技巧等各方面的表現,增加顧客的信任與滿意感受,以 提高銷售效果。在顧客關係管理上可以提供銀行業變革方向之參考。 關鍵字:顧客關係管理、服務接觸、關係品質、關係行銷

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  • 2006 34447-472

  • 448

    Consumer's Cognition of Service Encounter and

    Relationship Quality to Financial ConsultantWith

    Banking Industry as an Example

    Hsueh-Lan Yang

    Southern Taiwan University of Technology Pao-Lien Chen

    Southern Taiwan University of Technology Ru-Hui Zhang

    Southern Taiwan University of Technology

    Abstract

    In the past several years, the researches of customer relationship

    management are focused on how to promote customer loyalty and service

    quality. In banking industry, the service quality of financial consultant and

    the method of elevating the relationship between customer and financial

    consultant are important issues.

    This research is based on the financial consultants professional role and

    the relationship selling behavior. Besides, it also probes into the influence

    that may be caused by selling result and consumers reaction throughout

    consumers relationship quality consciousness. After using the Path Analysis,

    we found that the bank service supplier could well utilize the concept of

    roles behavior to strengthen and link up the behavior of various fields, such

    as efficiency and interpersonal skill and so on and then increased the

    customers trust and satisfaction in order to improve the result of selling. The

    results could point out the revolution direction of banking industry in

    customer relationship management.

    Keywords: Customer Relationship Management, Service Encounter,

    Relationship Quality, Relationship Marketing

  • 449Marketing Review

    596 8 7.4%

    ( ,2004,2005)

    ( ,2001)

    Crosby, Evans and Cowles

    1990

    (

    http://www.sunny.org.tw/fin/teach/teach66.htm)

  • 450

    :

    Crosby (1990)

    moment of truth

    Bitner,1990

  • 451Marketing Review

    () service encounter

    service encounter

    face-to-face

    (Solomon, Surprenant, Czepiel and Gutman,1985)Solomon et al. (1985)

    1.

    2.

    3.

    1

    Solomon et al.(1985.)

    -

    1998

  • 452

    ()

    Crosby et.al,(1990)

    professional expertise

    professional ethics communication

    interpersonal skillspersonal characteristics

    Crosby et. al. (1990)

    (Berry,1983; Berry and Parasuraman,1991)

    (1998)

    ( )

    (Crosby et al., 1990)

    Crosby et al.(1990)

    1. (Swan, Trawick, and Sliva,1985)2.

    (Crosby and Stephens, 1987) (Trust)

    (Blau,1964)

    (uncertainty)

    (vulnerability) (Deutsch,1962 Zand 1972)

    (satisfaction)

  • 453Marketing Review

    Anderson and Narus (1991)

    ()

    Crosby et al.(1990)2

    2

    Crosby, Evens and Cowles(1990)

  • 454

    Crosby et al.(1990)

    1. (mutual disclosure)

    (social

    exchange theory)2. (cooperative intentions)

    (Axelrod,1984)

    3. (contact

    intensity)

    1. (similarity)

    Crosby et al.(1990)

    2. (expertise)

    Swan, Trawick and Silva(1985)

    (relationship consequences) 1. (sales

    effectiveness)

    (social penetration theory)

    2.

    (anticipation of future interaction)Kellerman(1987)

    (Jackson,1985;

    Levitt,1981)

    (Crosby et al., 1990)

  • 455Marketing Review

    Crosby et al.(1990)

    3

    H4

    H3

    H2

    H1

    (X3)

    (X1)

    (X2)

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  • 456

    4

    (1998)

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    Crosby et al.(1990)

    (trust) (satisfaction)

    (1998)Crosby et al.(1990)

    H8

    H7

    H5

    (X1)

    (X2)

    (X3)

    (Y1)

    H6

    H6

    H5

    H8

    (Y2)

    H7

  • 457Marketing Review

    H1

    H2

    Crosby et al. (1990) (1998)

    Crosby et al.(1990)

    Bitner(1990)

    H3 H4

    Crosby et al. (1990) (1998) (2000)

    Crosby et al.(1990)Bitner(1990)

    H5

    H6

    H7

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  • 458

    ()

    Solomon (1985)1.

    2.3.

    Crane and Clark,1988

    Gardner(1987)

    professional ethicsprofessional

    expertise communication interpersonal

    skillsperaonal characte ristics

    ()

    Crosby et al.(1990)

    Crosby et. al.1990Lagace1991

    ()

    Crosby et. al. (1990)

    (mutual disclosure) (cooperative

    intentions) (contact intensity)

    () (relationship consequences)

    1.

    Bitner(1990) (1998)

  • 459Marketing Review

    (2000)

    2.

    Crosby et.al.(1990)

    ()

    1.

    2.

    Likert 1 5

    SPSS

  • 460

    ()

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    :

    1. (Stability)

    (Consistency ( 1996

    (Internal Consistency)

    Cronbachs Cronbachs 0.7

    (Nunally,1978Wortzel,1979)

    0.35 (Nunally, 1978)0.350.7

    (2002)

    2.

    (2002) (content validity)

    (construct validity)

    (1996)

  • 461Marketing Review

    2001 11

    :5. 4. 3. 2. 1.

    2006

    150 143 94.6%

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    94.6% 1

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    () 150 150 8 142 100% 100% 5.4% 94.6%

  • 462

    2

    21~30 31~40 86.8%

    81.1%41~80

    81~12097.9%

    56%70.6%

    2

    142 100.0% 58 40.8% 84 59.2% 20 0 0.0% 21~30 61 43.0% 31~40 63 44.4% 41~50 15 10.5% 51~60 2 1.4%

    60 1 0.7% 0 0.0% 0 0.0% ( ) 10 7.0% 30 21.1% 86 60.6%

    16 11.3% 40 34 23.9% 41~80 81 57.1% 81~120 25 17.6% 121~160 2 1.4% 161~200 0 0.0%

    200 0 0.0% 1 39 27.5% 1~2 41 28.8% 3~5 50 35.2% 6~10 12 8.5%

    10 0 0.0% 22 15.5% 19 13.4% 101 71.1%

  • 463Marketing Review

    3

    1 3.93 0.76 2 3.93 0.71 3 3.98 0.67 4 3.90 0.69 5 3.86 0.63 6 3.76 0.69 7 3.78 0,78 8 3.67 0.74 9 3.78 0.76

    10 3.99 0.66 11 3.98 0.70 12 4.11 0.66 13 4.15 0.67 14 4.27 0.58

    15 4.16 0.69 1 3.61 0.81 2 3.57 0.81 3 3.73 0.72 4 3.51 0.86 5 3.61 0.79 6 3.77 0.73 7 3.73 0.70 8 3.77 0.80 9 4.03 0.7

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    10 3.66 0.73

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    1

  • 464

    ()

    440.90.9

    4

    1-3 1.0000 4-8 0.9999 9-11 0.9997

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    ()

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  • 465Marketing Review

    6

    6 X3 fX1 X3 fX2 Y1 fX3 Y2 fX3 Y1 fX1, X3 Y2 fX1, X3 Y1 fX2, X3 Y2 fX2, X3

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    0.74670.62771.17560.86470.87780.64560.7379

    0.54276.2187

    P

  • 466

    X1

    X2

    X3

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    3

    8

    t P F P

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    ** 0.05

    8

  • 467Marketing Review

    4

    9

    9

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    Y1

    X1

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  • 468

    H1

    (0.7467) (1998)

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    (0.6277)

    3

    H3

    (1.1756)

    4H4

    (0.8647)

    Crosby et al(1990) (2004)

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    (0.8778)

    bH6

    (0.6456)

    Crosby et al.(1990)

    c

    H7

    (0.7379)

    dH8

    (0.5427)

  • 469Marketing Review

    1Crosby et al.(1990)

    (1998) (2000)

    LISREL

    2

    3

    2004,2005

    www.dgbas.gov.tw

    SAS/STAT 2002

    -

    2000

    1996 :

    2006

    http://www.sunny.org.tw/fin/teach/teach66.htm

    2004

    -2001

    -

    1998

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    [email protected]

    [email protected]

  • 472

    [email protected]