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    금융산업의 사회적 자본이 금융 서비스품질 및 금융소비자 고객만족에 미치는 영향 = The Effects of Social Capital of the Financial Industry on the Quality of Financial Services and Customer Satisfaction

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    https://www.riss.kr/link?id=A100146416

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    다국어 초록 (Multilingual Abstract) kakao i 다국어 번역

    This study examines the social capital in finance impact on the service quality and customer satisfaction in the financial sector by using structural equation model. a total of 400 people filled out a questionnaire and 220 valid questionnaires were used for statistical analyses. Also, reliability analysis and factor analysis were performed in questionnaires analysis. The result of reliability and factor analysis is that the Social capital in finance is consisted with 4 factors that is trust in the financial industry, cooperative networks in financial institutions and consumers, norms that are mutually beneficial and ethical foundation in financial sector and The quality of financial services is consisted with 3 factors that is the quality of the financial services company, the quality of financial products and the qualities of the sales or manage person in financial firms. and The result of verification of the hypotheses using structural equation model is that the social capital in finance affects the positive(+) to the service quality and customer satisfaction in the financial sector. so we suggests that to improve the quality of financial services and customer satisfaction we efforts to develop the social capital in the financial industry, such as enhancing the financial industry` trust and providing a mutually beneficial norms of the financial industry.
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    This study examines the social capital in finance impact on the service quality and customer satisfaction in the financial sector by using structural equation model. a total of 400 people filled out a questionnaire and 220 valid questionnaires were us...

    This study examines the social capital in finance impact on the service quality and customer satisfaction in the financial sector by using structural equation model. a total of 400 people filled out a questionnaire and 220 valid questionnaires were used for statistical analyses. Also, reliability analysis and factor analysis were performed in questionnaires analysis. The result of reliability and factor analysis is that the Social capital in finance is consisted with 4 factors that is trust in the financial industry, cooperative networks in financial institutions and consumers, norms that are mutually beneficial and ethical foundation in financial sector and The quality of financial services is consisted with 3 factors that is the quality of the financial services company, the quality of financial products and the qualities of the sales or manage person in financial firms. and The result of verification of the hypotheses using structural equation model is that the social capital in finance affects the positive(+) to the service quality and customer satisfaction in the financial sector. so we suggests that to improve the quality of financial services and customer satisfaction we efforts to develop the social capital in the financial industry, such as enhancing the financial industry` trust and providing a mutually beneficial norms of the financial industry.

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    참고문헌 (Reference)

    1 황경식, "존 롤스의 정의론" 이학사 2013

    2 이상석, "은행서비스에서의 서비스품질, 고객만족도 및 교차구매의도 간의 관계연구: 한․중 은행 간 비교" 한국기업경영학회 19 (19): 83-106, 2012

    3 이형석, "소매금융서비스품질 결정요인과 만족도 및 충성도간 관계연구" 한국전략경영정보시스템학회 9 : 154-180, 2003

    4 김연성, "서비스경영" 법문사 2002

    5 김용광, "생명보험 서비스품질의 개념화에 관한 실증연구" 한국보험학회 (70) : 1-40, 2005

    6 우승찬, "생명보험 계약자 만족의 영향요인에 관한 연구" 생명보험협회 225 : 28-35, 1997

    7 이현복, "생명보험 FP의 현황과 과제" 한국FP학회 2 : 43-61, 2009

    8 황은주, "사회적 자본의 법제화(Ⅰ) 사회자본의 개발모형 연구" 한국법제연구원 2011

    9 김우철, "사회적 자본으로서의 신뢰 형성:개인자료에 의한 미시적 접근" 한국응용경제학회 16 (16): 191-224, 2014

    10 최길수, "사회적 자본 지표 개발 및 적용에 관한 연구: 대전지역을 중심으로" 대전발전 연구원 2013

    1 황경식, "존 롤스의 정의론" 이학사 2013

    2 이상석, "은행서비스에서의 서비스품질, 고객만족도 및 교차구매의도 간의 관계연구: 한․중 은행 간 비교" 한국기업경영학회 19 (19): 83-106, 2012

    3 이형석, "소매금융서비스품질 결정요인과 만족도 및 충성도간 관계연구" 한국전략경영정보시스템학회 9 : 154-180, 2003

    4 김연성, "서비스경영" 법문사 2002

    5 김용광, "생명보험 서비스품질의 개념화에 관한 실증연구" 한국보험학회 (70) : 1-40, 2005

    6 우승찬, "생명보험 계약자 만족의 영향요인에 관한 연구" 생명보험협회 225 : 28-35, 1997

    7 이현복, "생명보험 FP의 현황과 과제" 한국FP학회 2 : 43-61, 2009

    8 황은주, "사회적 자본의 법제화(Ⅰ) 사회자본의 개발모형 연구" 한국법제연구원 2011

    9 김우철, "사회적 자본으로서의 신뢰 형성:개인자료에 의한 미시적 접근" 한국응용경제학회 16 (16): 191-224, 2014

    10 최길수, "사회적 자본 지표 개발 및 적용에 관한 연구: 대전지역을 중심으로" 대전발전 연구원 2013

    11 문영주, "사회복지조직의 사회적 자본 척도 구성과 그 적용에 관한 연구" 한국사회복지연구회 42 (42): 381-407, 2011

    12 박혜원, "비영리 조직의 사회적 자본" 한국비영리학회 7 (7): 169-194, 2009

    13 박기령, "금융산업의 사회적 자본과 금융소비자 보호" 한국법제연구원 2013

    14 류근옥, "경쟁적 생명보험 시장에서 보험 상품의 품질 측정과 합리적 소비자의 보험 상품 선택에 관한 연구" 한국리스크관리학회 7 : 117-135, 1997

    15 Browne, M. W., "structural equation models, Vol.13" 136-162, 1993

    16 Pennar, K., "The ties that lead to prosperity: the economic value of social bonds is only beginning to be measured" 15 : 153-155, 1997

    17 Nonaka, I., "The knowledge-creating company" Oxford University Press 1995

    18 Gouldner, A. W., "The Norm of Reciprocity: A Preliminary Statement" 25 : 161-178, 1960

    19 Temple, J., "The Contribution of Human and Social Capital to Sustained Economic Growth and Well-being: International symposium Report" Human Resources Development Canada and OECD 2001

    20 Anderson, E. W., "The Antecedents and Consequences of Consumer satisfaction" 12 : 125-143, 1993

    21 Lin, N., "Social capital. A theory of social structure and action" Cambridge University Press 2001

    22 Grootaert, C., "Social capital, household welfare, and poverty in Indonesia" The World Bank 1999

    23 Coleman, J. S., "Social capital in the creation of human capital" 94 : 95-120, 1998

    24 Fukyama, F., "Social capital and the modern capitalist economy: Creating a high trust workplace" 4 (4): 1997

    25 Bitner, M., "Servicescape: The Impact of Physical Surroundings on Customers and Employee" 56 (56): 57-71, 1992

    26 Parasuraman, A. Zeithaml, "SERVQUAL : A Multiple-Item Scale for Measuring Consumer Perceptions of Service Quality" 64 (64): 12-40, 1988

    27 Cronin, Jr J. J., "SERVPERF Versus SERVQUAL: Reconciling Performance-Based and Perceptions-Minus-Expectations Measurement of Service Quality" 58 (58): 125-131, 1994

    28 Parasuraman, A. Zeithaml, "Reassessment of Expectation as a Comparison Standard in Measuring Service Quality: Implications for Future Research" 58 (58): 111-124, 1994

    29 Nunnally, J. C., "Psychometric Theory" McGraw Hill 1978

    30 Pruitt, D. G., "Negotiation Behavior" Academic 1981

    31 Teas, D. K., "Models of consumer satisfaction formation: An extension" 25 : 204-212, 1988

    32 Cronin, Jr J. J., "Measuring Service Quality, A Reexamination and Extension" 56 (56): 55-68, 1992

    33 Acquaah, M., "Managerial social capital, strategic orientation, and organizational performance in an emerging economy" 28 : 1235-1255, 2007

    34 Putnam, R. D., "Making democracy work. Civic traditions in modern Italy" Princeton University Press 1993

    35 Woodside, A. G., "Linking service quality, customer satisfaction, and behavioral intention" 9 : 5-17, 1989

    36 Adler, P. S., "Knowledge and social capital: Foundations and applications" 89-115, 2000

    37 North, D., "Institutions, Institutional Change and Economic Performance" Cambridge University Press 1990

    38 Brehm, J., "Individual Level Evidence for the Causes and Consequences of Social Capital" 41 : 888-1023, 1997

    39 Cohen, D., "In Good Company: How Social Capital Makes Organizations Work" Harvard Business Press 2001

    40 Darby, M. R., "Free Competition and the Optimal Amount of Fraud" 16 (16): 67-88, 1973

    41 Coleman, J. S., "Foundations of social theory" Harvard University Press 1990

    42 Moorman, C., "Factors Affecting Trust in Market Research Relationships" 57 : 81-101, 1993

    43 Teas, R. K., "Expectations as a Comparison Standard in Measuring Service Quality: An Assessment of a Reassessment" 58 (58): 132-139, 1994

    44 OECD, "Ethics in the Public Service: Current Issues and Practice" 1996

    45 Iacobucci, D., "Distinguishing Service Quality and Customer Satisfaction: The Voice of the Consumer" 4 (4): 277-303, 1995

    46 Ganesan, S., "Determinants of Long-Term Orientation in Buyer-Seller Relationships" 58 : 1-19, 1994

    47 Malinowski, B., "Crime and Custom in Savage Society" Paul, Trench 1932

    48 Anderson, R., "Consumer dissatisfaction: The effect of disconfirmed expectancy on perceived product performance" 10 (10): 38-44, 1973

    49 Czepiel, J. A., "Consumer Satisfaction: Concept and Measurement" 5 (5): 403-411, 1977

    50 Heskett, J. L., "Connecting Customer Loyalty to Financial Results" 10 (10): 26-32, 1994

    51 Bentler, P. M., "Comparative fit indices in structural models" 107 : 238-246, 1990

    52 Putnam, R. D., "Bowling alone: America's declining social capital" 6 (6): 65-78, 1995

    53 Agranoff, R., "Big Questions in Public Network Management Research" 11 (11): 295-326, 2001

    54 Cronin, J. J., Jr, "Assessing the effects of quality, value, and customer satisfaction on consumer behavioral intentions in service environments" 76 : 193-218, 1998

    55 Mayer, R. C., "An integrative model of organizational trust" 20 : 709-734, 1995

    56 Babakus, E., "An Empirical Assessment of the SERVQUAL Scale" 24 (24): 253-268, 1992

    57 Westbrook, R. A., "An Analysis of Dissatisfied Shoppers for Major Household Appliances" 15 : 456-466, 1998

    58 Oliver, R. L., "Advences in Services Marketing and Management: Research and Practice, Vol.2" JAI Press 1993

    59 Gronroos, C., "A service Quality Model and It's Marketing Implications" 18 (18): 36-44, 1984

    60 Trucker, L. R., "A reliability coefficient for maximum likelihood factor analysis" 38 : 1-10, 1973

    61 Bolton, R. N., "A Multi-Stage Model of Customers' Assessments of Service Quality and Value" 17 (17): 375-384, 1991

    62 Parasuraman, A. Zeithaml, "A Conceptual Model of Service Quality and It's Implications for Future Research" 49 (49): 41-50, 1985

    63 한국능률협회, "2013년도 한국산업의 고객만족도 조사결과"

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