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기업의 사회적 책임이 서비스품질, 기업이미지, 소비자태도 및재이용의도에 미치는 영향: 금융기관을 중심으로
강미옥,오재신 경성대학교 산업개발연구소 2023 산업혁신연구 Vol.39 No.2
The purpose of this study is to investigate the effect of social responsibility of financial institutions on service quality, corporate image, consumer attitude, and reuse intention, survey was conducted using offline and mobile devices on 438 customers who had used financial institutions. The research findings were processed using the SPSS 26.0 version for factor analysis, reliability, and feasibility analysis and the AMOS 26.0 statistical package program for structural equation model analysis. The results of the study are as follows: First, among the social responsibility activities of financial institutions, economic responsibility, ethical responsibility, philanthropic responsibility, consumer protection responsibility, and environmental responsibility have a significant effect on service quality. Second, among the social responsibility activities of financial institutions, economic responsibility were found to have a significant impact on corporate image. Third, service quality was analyzed to have a significant effect on corporate image and consumer attitude. The implication of this study is that social responsibility activities of financial institutions can contribute to systematic management of factors that can have a significant impact on intention to reuse, focusing on service quality, corporate image, and consumer attitude. In addition, there are practical implications in that it can be an important marketing tool for preparing creative and innovative measures. 본 연구는 금융기관의 사회적 책임이 서비스품질, 기업이미지, 소비자태도, 재사용의도에 미치는 영향을 알아보기 위해 금융기관을 이용했던 고객 438명을 대상으로 오프라인과 모바일을 활용한 설문조사를 실시하였다. 연구결과는 요인분석, 신뢰도, 타당성 분석을 위한 SPSS 26.0 버전과 구조방정식모형 분석을 위한 AMOS 26.0 통계 패키지 프로그램을 이용하여 처리하였다. 연구 결과는 다음과 같다. 첫째, 금융기관의 사회적 책임 활동 중 경제적 책임, 윤리적 책임, 자선적 책임, 소비자보호 책임, 환경적 책임이 서비스품질에 유의미한 영향을 미치는 것으로 나타났다. 둘째, 금융기관의 사회적 책임 활동 중 경제적 책임이 기업 이미지에 유의미한 영향을 미치는 것으로 나타났다. 셋째, 서비스품질은 기업이미지와 소비자태도에 유의한 영향을 미치는 것으로 분석되었다. 넷째, 기업이미지는 소비자태도에 유의한 영향을 미치는 것으로 분석되었다. 다섯째, 소비자태도는 재사용의도에 유의한 영향을 미치는 것으로 분석되었다. 본 연구는 금융기관의 사회적 책임 활동이 서비스품질, 기업 이미지, 소비자 태도 등을 중심으로 재사용의도에 중대한 영향을 미칠 수 있는 요인들을 체계적으로 관리하는데 기여할 수 있음을 시사한다.
인문계 여고생을 대상으로 한 체험적 흡연예방프로그램의 효과
강미옥,정인숙 한국학교보건학회 2006 韓國學校保健學會誌 Vol.19 No.2
ABSTRACT Purpose : This was aimed to investigate the effects of empirical smoking prevention program on the knowledge of the harmfulness of smoking, attitude to smoking, smoking temptation among female high school students. Methods : This study used nonequivalent control group pre and post test design. The subjects were recruited from the first and second grade at the two girls' high schools located in Ulsan city, and randomly assigned to two groups(113 in the experimental group and 117 in the control). The intervention was both the events such as nonsmoking promulgation and experiential learning programs and student-oriented educational sessions(once a week for six weeks). Data was analyzed with X2 test, t-test and ANCOVA. Results : The mean knowledge was 12.5 for pretest and 13.7 for posttest in the experimental group, and 12.7 and 13.4 in the control group, retrospectively. The mean attitude was 71.0 for pretest and 72.2 for posttest in the experimental group, and 72.3 and 72.6 in the control group, retrospectively. The mean temptation was 15.0 for pretest and 14.7 for posttest in the experimental group, and 13.9 and 14.0 in the control group, retrospectively. There's no difference in the change of the knowledge of the harmfulness of smoking, attitude to smoking, smoking temptation between experimental and control groups. Conclusion : As the possible reasons, the subjects already had sufficient knowledge on the harmfulness of smoking, the research questionnaires were too plain to get any difference, the effect of intervention was too small to show a difference in such as short-term, and finally, there were many external factors. Hence, we recommend further studies with appropriate questionnaire for longer time.
모바일뱅킹 경쟁력 제고를 위한 기존 문제점 분석과 활성화 방안에 관한 연구: 일반은행과 우체국 금융 비교
강미옥,오재신 한국인터넷전자상거래학회 2020 인터넷전자상거래연구 Vol.20 No.4
Recently, the growth of Fintech and Bigtech to provide mobile financial services is prominent. The purpose of this study is to look at ways to improve competitiveness by analyzing the circumstances and problems of mobile banking. In order to achieve the research objectives, several procedures were implemented. First, we considered the current status of mobile financial services and existing literature studies. Second, we analyzed the current status to identify the problems of mobile banking. Third, we proposed a way to strengthen the competitiveness of mobile financial services. In conclusion, this study suggested the improvement of consumer convenience from the point of view of financial consumers, digital financial innovation to strengthen the ability to respond in the financial market from the point of view of financial institutions, and the strategy of innovation strategies of the entire financial industry from the point of view of government institutions. Above all, in order to cope with the open banking era and secure the platform competitiveness of digital finance, the value of 'safety' must be accompanied. In addition, this study suggested a way to strengthen the public role of financial service institutions through providing differentiated services.