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題名 由顧客觀點探討壽險業務員卓越特質、背景落差等對顧客滿意度之影響
作者 張雅傑
貢獻者 洪叔民
張雅傑
關鍵詞 業務員特質
業務員背景
顧客滿意度
落差
期望與知覺
trait
background
customer satisfaction
gap
expectation and perception
日期 2007
上傳時間 11-Sep-2009 16:48:51 (UTC+8)
摘要 關於優質壽險業務員所具有的特質與背景,過去的相關研究大多只考慮從業務端進行資料蒐集,再分析對績效顯著的因素為何。然而顧客為績效之來源,從業務端進行所獲得的研究成果,比較屬於單方面的研究,未必能代表顧客的意見,因此本研究擬由顧客端進行業務員特質、背景與顧客滿意度之相關性研究,先由業務端的研究結果整理出優質業務員具有何種特質與背景,將之發展成評量項目,用以評量顧客對這些特質與背景的看法為何,然後據以發展問卷。
     本研究主要分三個階段:第一階段是以結構方程式驗證卓越特質對顧客滿意度之影響;第二階段是探測顧客個人背景對顧客滿意度之影響;第三階段是研究當業務員背景與顧客期望不一致時,會不會對顧客滿意度造成影響。研究結果顯示,卓越特質對顧客滿意度具有正面顯著影響,並發現學歷落差以及顧客個人背景中的性別、年齡與婚姻狀況等因素對顧客滿意度具有顯著影響。管理意涵如下:對於壽險公司而言,人格特質測驗是僱用優質業務員的重要參考依據,且應多僱用大專以上學歷的業務員以滿足顧客的期待;學歷較低的業務員,則應持續提升專業知能,並多專注在年齡層中年以上的顧客。
There were many researches conducted to examine the influence of the personal traits and the backgrounds of life insurance salespeople on their sales performance, Those researches, done only from the side of salespeople, concluded that some personal factors have positive effect on the sales performance, ignoring that customer satisfaction is the major source of sales performance. To solve this problem, this research plans to find out the relationship between salespeople’s characteristics and their sales performance from the perspective of customers. It generalizes the points in common from previous researches about high-performance salespeople’s traits and backgrounds; then uses the conclusion to develop the questionnaire to find out what kinds of characteristics do the customers really expect. The result shows that salespeople’s excellent characteristics, academic degree catering to customers’ expectation, gender, age and marital status have positive effect on customer satisfaction. The management applications are specified as follows: First, life insurance company should pay more attention to salespeople’s academic degree. Bachelor degree or above is better according to customers’ opinion. Second, personality test plays an important role in recruiting high-performance salespeople. Third, as to the lower-academic-degree, they should concentrate on developing aged customers and keep strengthening their specialties.
參考文獻 中文
Black, K., Jr., & Skipper H. D., Jr.(1994)。人壽保險。(洪志忠、吳福山等合譯)(1998)。台北:中華民國人壽保險管理學會。
李正綱、黃金印(2001)。人力資源管理 : 新世紀觀點。台北:前程企管。
吳芳靜(2006)。運用結構方程模式探討銷售人員特質、品牌權益、知覺風險、顧客滿意度、關係品質與顧客忠誠度之影響 : 以台灣銀行業貴賓理財為例。國立東華大學企業管理硏究所碩士論文。
李昭梅(2007)。壽險業務員之個人因素、人格特質、組織承諾和工作績效之關係 — 以台灣MDRT會員為例。朝陽科技大學保險金融管理系碩士論文。
李錫宗(2004)。壽險業務人員業績表現與個人因素之關係 — 以A人壽保險公司為例。私立逢甲大學保險學研究所碩士論文。
林財丁(1994)。業務人員心理學。台北:書華。
林陽助、林秀貞、李宜致(2007)。體驗行銷、顧客滿意度與顧客忠誠度關係之研究 - 以大台北地區連鎖咖啡店為例。顧客滿意學刊 (Journal of Customer Satisfaction) ,3(2),57-94。
洪順慶(2005)。行銷管理。台北:福懋。
洪維賢(1997)。人力資源管理與發展。台中:國彰。
徐天志(2005)。壽險業優質業務人才的招募策略 — 以保德信人壽為例。國立中山大學企業管理學系研究所碩士論文。
郭雲如(2004)。汽車險理賠人員個人因素和人格特質與顧客滿意度關係之探討 : 以C保險公司為例。逢甲大學保險硏究所碩士論文。
陳雅燕(1999)。期貨商業務員之背景、人格特質與工作績效之相關研究。國立台灣師範大學工業科技教育學系碩士論文。
陳德成(1993)。壽險行銷人員之人格特質分析。國立政治大學保險學研究所碩士論文。
黃堅厚(1999)。人格心理學。台北:心理。
葉文華(1995)。銀行顧客對新銀行企業形象知覺與期望差距之研究。國立政治大學企業管理研究所碩士論文。
葉美秀(2006)。業務人員人格特質、專業職能與創造力對顧客滿意度之影響 : 以台灣紡織業為對象。輔仁大學織品服裝硏究所碩士論文。
楊朝堂、唐資文、王美慧(2007)。上海地區行動電話使用者之服務品質認知與滿意度分析。顧客滿意學刊 (Journal of Customer Satisfaction),3(1),1-24。
齊德彰(1999)。人力資源管理 : 理論與實務。台北:三民。
駱麗麗(2006)。投資型保險商品顧客再購意圖之研究 - 以富邦人壽為例。國立東華大學企業管理學系碩士在職專班碩士論文。
簡士家(2003)。消費者對投資型保險購買行為之硏究 : 產品認知涉入之應用。朝陽科技大學保險金融管理硏究所碩士論文。
藍秀璋 (2002)。保險與生活。台北:五南。
英文
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描述 碩士
國立政治大學
企業管理研究所
94355039
96
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0094355039
資料類型 thesis
dc.contributor.advisor 洪叔民zh_TW
dc.contributor.author (Authors) 張雅傑zh_TW
dc.creator (作者) 張雅傑zh_TW
dc.date (日期) 2007en_US
dc.date.accessioned 11-Sep-2009 16:48:51 (UTC+8)-
dc.date.available 11-Sep-2009 16:48:51 (UTC+8)-
dc.date.issued (上傳時間) 11-Sep-2009 16:48:51 (UTC+8)-
dc.identifier (Other Identifiers) G0094355039en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/29895-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 企業管理研究所zh_TW
dc.description (描述) 94355039zh_TW
dc.description (描述) 96zh_TW
dc.description.abstract (摘要) 關於優質壽險業務員所具有的特質與背景,過去的相關研究大多只考慮從業務端進行資料蒐集,再分析對績效顯著的因素為何。然而顧客為績效之來源,從業務端進行所獲得的研究成果,比較屬於單方面的研究,未必能代表顧客的意見,因此本研究擬由顧客端進行業務員特質、背景與顧客滿意度之相關性研究,先由業務端的研究結果整理出優質業務員具有何種特質與背景,將之發展成評量項目,用以評量顧客對這些特質與背景的看法為何,然後據以發展問卷。
     本研究主要分三個階段:第一階段是以結構方程式驗證卓越特質對顧客滿意度之影響;第二階段是探測顧客個人背景對顧客滿意度之影響;第三階段是研究當業務員背景與顧客期望不一致時,會不會對顧客滿意度造成影響。研究結果顯示,卓越特質對顧客滿意度具有正面顯著影響,並發現學歷落差以及顧客個人背景中的性別、年齡與婚姻狀況等因素對顧客滿意度具有顯著影響。管理意涵如下:對於壽險公司而言,人格特質測驗是僱用優質業務員的重要參考依據,且應多僱用大專以上學歷的業務員以滿足顧客的期待;學歷較低的業務員,則應持續提升專業知能,並多專注在年齡層中年以上的顧客。
zh_TW
dc.description.abstract (摘要) There were many researches conducted to examine the influence of the personal traits and the backgrounds of life insurance salespeople on their sales performance, Those researches, done only from the side of salespeople, concluded that some personal factors have positive effect on the sales performance, ignoring that customer satisfaction is the major source of sales performance. To solve this problem, this research plans to find out the relationship between salespeople’s characteristics and their sales performance from the perspective of customers. It generalizes the points in common from previous researches about high-performance salespeople’s traits and backgrounds; then uses the conclusion to develop the questionnaire to find out what kinds of characteristics do the customers really expect. The result shows that salespeople’s excellent characteristics, academic degree catering to customers’ expectation, gender, age and marital status have positive effect on customer satisfaction. The management applications are specified as follows: First, life insurance company should pay more attention to salespeople’s academic degree. Bachelor degree or above is better according to customers’ opinion. Second, personality test plays an important role in recruiting high-performance salespeople. Third, as to the lower-academic-degree, they should concentrate on developing aged customers and keep strengthening their specialties.en_US
dc.description.tableofcontents 目錄
     第一章、 緒論............................................ 1
     第一節、 研究背景與動機................................... 1
     第二節、 研究目的........................................ 2
     第三節、 研究流程........................................ 3
     第二章、 文獻探討........................................ 6
     第一節、 壽險業銷售工作分析............................... 6
     第二節、 優質業務人員特質之相關研究......................... 9
     第三節、 個人背景與績效之相關研究.......................... 16
     第四節、 顧客滿意度....................................... 20
     第五節、 知覺與期望....................................... 21
     第六節、 從顧客端探討業務員特質、背景之相關文獻.............. 22
     第三章、 研究方法........................................ 25
     第一節、 研究架構........................................ 25
     第二節、 研究假說........................................ 26
     第三節、 研究方法........................................ 32
     第四節、 問卷設計........................................ 34
     第五節、 問卷前測........................................ 36
     第六節、 問卷發放與回收................................... 36
     第四章、 資料分析........................................ 38
     第一節、 樣本結構分析..................................... 38
     第二節、 敘述性統計....................................... 41
     第三節、 信、效度分析..................................... 46
     第四節、 卓越特質對顧客滿意度的影響:結構方程式分析........... 48
     第五節、 ANOVA分析....................................... 53
     第六節、 迴歸分析........................................ 58
     第七節、 假設檢驗結果..................................... 63
     第五章、 結果討論與建議................................... 65
     第一節、 研究結果........................................ 65
     第二節、 管理意涵........................................ 66
     第三節、 研究限制........................................ 68
     第四節、 後續研究建議..................................... 69
     參考文獻................................................ 70
     附錄一.................................................. 76
     附錄二.................................................. 80
zh_TW
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0094355039en_US
dc.subject (關鍵詞) 業務員特質zh_TW
dc.subject (關鍵詞) 業務員背景zh_TW
dc.subject (關鍵詞) 顧客滿意度zh_TW
dc.subject (關鍵詞) 落差zh_TW
dc.subject (關鍵詞) 期望與知覺zh_TW
dc.subject (關鍵詞) traiten_US
dc.subject (關鍵詞) backgrounden_US
dc.subject (關鍵詞) customer satisfactionen_US
dc.subject (關鍵詞) gapen_US
dc.subject (關鍵詞) expectation and perceptionen_US
dc.title (題名) 由顧客觀點探討壽險業務員卓越特質、背景落差等對顧客滿意度之影響zh_TW
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 中文zh_TW
dc.relation.reference (參考文獻) Black, K., Jr., & Skipper H. D., Jr.(1994)。人壽保險。(洪志忠、吳福山等合譯)(1998)。台北:中華民國人壽保險管理學會。zh_TW
dc.relation.reference (參考文獻) 李正綱、黃金印(2001)。人力資源管理 : 新世紀觀點。台北:前程企管。zh_TW
dc.relation.reference (參考文獻) 吳芳靜(2006)。運用結構方程模式探討銷售人員特質、品牌權益、知覺風險、顧客滿意度、關係品質與顧客忠誠度之影響 : 以台灣銀行業貴賓理財為例。國立東華大學企業管理硏究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 李昭梅(2007)。壽險業務員之個人因素、人格特質、組織承諾和工作績效之關係 — 以台灣MDRT會員為例。朝陽科技大學保險金融管理系碩士論文。zh_TW
dc.relation.reference (參考文獻) 李錫宗(2004)。壽險業務人員業績表現與個人因素之關係 — 以A人壽保險公司為例。私立逢甲大學保險學研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 林財丁(1994)。業務人員心理學。台北:書華。zh_TW
dc.relation.reference (參考文獻) 林陽助、林秀貞、李宜致(2007)。體驗行銷、顧客滿意度與顧客忠誠度關係之研究 - 以大台北地區連鎖咖啡店為例。顧客滿意學刊 (Journal of Customer Satisfaction) ,3(2),57-94。zh_TW
dc.relation.reference (參考文獻) 洪順慶(2005)。行銷管理。台北:福懋。zh_TW
dc.relation.reference (參考文獻) 洪維賢(1997)。人力資源管理與發展。台中:國彰。zh_TW
dc.relation.reference (參考文獻) 徐天志(2005)。壽險業優質業務人才的招募策略 — 以保德信人壽為例。國立中山大學企業管理學系研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 郭雲如(2004)。汽車險理賠人員個人因素和人格特質與顧客滿意度關係之探討 : 以C保險公司為例。逢甲大學保險硏究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 陳雅燕(1999)。期貨商業務員之背景、人格特質與工作績效之相關研究。國立台灣師範大學工業科技教育學系碩士論文。zh_TW
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