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국문초록
목차
I. 서론 9
1. 연구의 배경 9
2. 연구의 목적 11
3. 연구의 방법 및 구성 12
II. 이론적 배경 14
1. 자기결정성 14
2. 보험선택속성 20
3. 고객만족 31
4. 관계의 질 35
5. 행동의도 48
III. 연구가설 및 연구모형의 설정 53
1. 연구가설의 설정 53
2. 연구모형의 설정 59
IV. 연구의 방법 및 설계 60
1. 조사의 개요 60
2. 변수의 조작적 정의 60
V. 가설의 검정결과 63
1. 표본의 인구 통계적 특성 63
2. 연구자료 분석 64
가. 측정도구의 타당성과 신뢰도 분석 64
나. 확인적 요인분석 67
다. 구성개념 타당성 분석 69
3. 연구가설의 검정과 자료 분석 72
가. 제안모델의 평가 72
나. 연구가설의 검정 72
VI. 결론 및 연구의 시사점 76
1. 연구결과의 요약 76
2. 연구결과의 시사점 77
3. 연구의 한계점 및 향후 연구방향 79
부록 : 설문지 80
참고문헌 87
Abstract 111
감사의 글 113
〈그림 1〉 연구모형 59
〈그림 2〉 연구모형 검정결과 73
매체의 급속한 발달은 금융업종간 영역의 붕괴와 종합금융화의 급진전으로 보험시장을 둘러싼 경쟁 환경도 더욱 치열해진 가운데 방카슈랑스의 점진적 개방과 더불어 생명보험과 손해보험의 고유영역이 무너진 상태가 되었다. 더욱이 현대 사회는 다원화된 정보사회로 발전하게 되었으며, 다양한 마케팅 채널 및 인터넷과 홈쇼핑의 등장이 기존 채널의 위협으로 다가옴에 따라 새로운 마케팅 전략 및 판매조직의 혁신이 필요하게 되었다. 이에 소비자들의 구매행동에 많은 변화를 가져오고 있는 현실에서 자기결정성에 따라 보험선택속성이 고객만족에 미치는 조절효과의 차이가 있는지를 검정하여 보험구매고객의 소비행동을 보다 심층적으로 이해하는데 기여하고자 한다.
따라서 본 연구는 자기결정성이론을 보험선택속성에 적용하여 판매원의 속성과 상품속성에 대한 자기결정이 어떠한 조절적 역할을 하는지를 살펴보고 이러한 속성들이 고객만족을 통한 관계의 질 및 구매행동의도에 어떤 영향을 미치는지를 실증적으로 분석하였다. 실증연구의 결과를 요약하면 다음과 같다.
첫째, 보험선택속성 중 판매원의 속성이 고객만족에 미치는 영향을 분석한 결과 커뮤니케이션 능력과 전문성은 고객만족에 긍정적인 영향을 미치는 것으로 나타났다.
둘째, 보험선택속성 중 상품속성이 고객만족에 미치는 영향을 분석한 결과 브랜드명성과 편익이 고객만족에 긍정적인 영향을 미치는 것으로 나타났다.
셋째, 고객만족이 관계의 질 및 행동의도에 미치는 영향을 분석한 결과 고객만족이 관계의 질 하위 차원인 신뢰와 몰입에는 긍정적인 영향으로 나타났으나 행동의도에는 부정적인 영향으로 나타났다. 이러한 연구결과는 판매원이나 상품에 한번 만족했다고 해서 곧 바로 재구매나 긍정적인 구전의도로 행동하기보다는 판매원과의 지속적인 친분관계를 유지했을 경우나 끝까지 고객에게 정성을 기울이는 몰입의 단계를 원하는 것이라고 판단된다.
넷째, 자기결정성에 따라 자발적 구매자와 비자발적 구매자의 고객만족에 대한 영향력의 차이가 있는지를 실증 분석한 결과 판매원의 속성은 비자발적 구매자가 자발적 구매자보다 영향이 큰 것으로 나타났으며, 상품의 속성은 자발적 구매자의 영향이 조금 더 큰 것으로 나타났다.
본 연구는 보험구매고객이 보험선택 시 자기결정성의 조건이 어떤 역할을 하는지를 규명함으로써 향후 소비자 행동 모델의 흐름을 예측할 수 있다는 데 그 의미가 있겠다. 지금까지의 보험구매의 대부분은 판매원과의 이해관계나 정(情)으로써 판매원 판매에 의존하였으며, 보험 특성상 인적 판매의 장점만을 내세워 다른 판매 채널의 진입을 애써 부인한 실증이다. 그러나 하루가 다르게 변화하는 매체의 발달은 보험 산업에도 진입장벽이 없다는 것을 본 연구를 통하여 확인하였으며, 홈쇼핑이나 인터넷을 통한 생활이 일상생활처럼 익숙한 세대로 접어들수록 판매 채널의 변화는 더 빠르게 진행되리라 생각되며, 이러한 환경변화에 소비자의 구매행동모델을 미리 예측 하는데 그 의미가 있겠다.번호 | 참고문헌 | 국회도서관 소장유무 |
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1 | 공정성이 상호관계의 질에 미치는 영향에 관한 연구 : 프랜차이즈 시스템을 중심으로 | 소장 |
2 | A Impact of the Servicescape on Satisfaction of Customers in Hotel Restaurant | 소장 |
3 | 자기결정성 이론에 근거한 구매동기 척도개발 | 소장 |
4 | 고객재구매의도 결정요인에 관한 연구 : 고객가치, 고객만족, 전환비용, 대안의 매력도 | 소장 |
5 | 패밀리 레스토랑 이용객의 재방문의도 결정요인 : 고객가치, 고객만족, 전환비용, 대안의 매력도 | 소장 |
6 | 청소년 지도자의 조직몰입과 관련변인 | 소장 |
7 | 소매 서비스품질과 제품가치에 관한 연구 | 소장 |
8 | A Study on the Hotel Customers in Relationship with Perceived Service Quality, Perceived Value, Satisfaction, Loyalty, and Intention of Reusing | 소장 |
9 | Reconceptualization and Scale Development of Customer Satisfaction ![]() |
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10 | (2005),“자기결정성 이론이 제안한 학습동기 분류형태의 재구성,”교육심리,19(3),pp.699-718. | 미소장 |
11 | 서비스품질이 브랜드자산과 고객만족에 미치는 영향에 대한 연구 | 소장 |
12 | The Moderating Role of Relationship Quality in the Effect of Service Satisfaction on Repurchase Intentions ![]() |
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13 | (2003),“인터넷 쇼핑몰 회원가입자의 고객충성행위에 영향을 미치는 요인 에 관한연구,”경영연구,18(4),pp.1-30. | 미소장 |
14 | 인터넷 정보탐색 가치가 인터넷 쇼핑행동에 미치는 영향에 관한 연구 : 쇼핑몰 방문빈도와 구매의도를 중심으로 | 소장 |
15 | The Influences of Customer Orientation of Service Providers on Relationship Quality and Repurchase Intentions : Applied on Health - Care Service | 소장 |
16 | A Study on the Effects of Relational Benefits on Customer Loyalty in the Hotel Industry | 소장 |
17 | 생명보험협회(2006),제11차 생명보험성향조사,정부승인통계(승인번호 36701호) | 미소장 |
18 | The Effects of Interactivity, Trust and Perceived Value on Repurchase Intention in Internet Shopping Mall | 소장 |
19 | Word of Mouth: May 2001 ![]() |
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20 | 관계마케팅의 영향요인에 관한 실증적 연구 | 소장 |
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22 | 신뢰의 경영 : 신뢰기반 경영의 이론적 바탕과 실제 예들 | 소장 |
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31 | A Study on the Determinants of Service Loyalty ![]() |
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32 | Relationship Marketing of Services | 소장 |
33 | Mediating Effect of Trust and Satisfaction on Relationship Marketing in Customer-Salesperson | 소장 |
34 | 호텔서비스接點에서의 相互作用 品質에 관한 硏究 | 소장 |
35 | Effects of Relational Benefits on Customer's Employee and Restaurant Satisfaction, and Customer Loyalty | 소장 |
36 | 레스토랑 서비스품질이 지각된 가치와 만족 및 행동의도에 미치는 영향관계 연구 | 소장 |
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40 | The Effects of Customer Satisfaction and Switching Barrier on Store Loyalty ![]() |
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41 | 여행사의 불평처리에 대한 공정성 지각이 고객의 만족도와 행동의도에 미치는 영향 | 소장 |
42 | Effect Relations in the Motivation of Attending at Convention, the Attributes of Convention Site, Satisfaction and Intention to Re-attend | 소장 |
43 | 인터넷 쇼핑몰의 마케팅 프로그램이 고객 만족과 의도에 미치는 영향 | 소장 |
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47 | Relationship between Customer Satisfaction and Intention to Repurchase , the Effect of Word-of-mouth | 소장 |
48 | 산업재 시장에서 구매자-공급자 관계의 선행변수와 거래성과에 관한 연구 | 소장 |
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102 | The Use of Insight Coaching to Improve Relationship Selling ![]() |
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103 | Trend Effects and Gender Differences in Retrospective Judgments of Consumption Emotions ![]() |
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118 | Relationship marketing: the route to marketing efficiency and effectiveness ![]() |
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122 | Relational Benefits in Services Industries: The Customer's Perspective ![]() |
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123 | Further Assessments of Meyer and Allen's (1991) Three-Component Model of Organizational Commitment ![]() |
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129 | Understanding Relationship Marketing Outcomes ![]() |
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130 | Prior involvement and incentives to pay attention to information ![]() |
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140 | Consumer Reactions to Electronic Shopping on the World Wide Web ![]() |
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141 | The Effect of Intensity of Dissatisfaction on Complaining Behaviour ![]() |
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142 | Customer Switching Behavior in Service Industries: An Exploratory Study ![]() |
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147 | Markets with Consumer Switching Costs ![]() |
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148 | Identified and introjected forms of political internalization: extending self-determination theory. ![]() |
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153 | Measuring Consumer Involvement Profiles ![]() |
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170 | Relationships between Providers and Users of Market Research: The Dynamics of Trust within and between Organizations ![]() |
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171 | The Commitment-Trust Theory of Relationship Marketing ![]() |
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172 | New York ![]() |
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181 | Disconfirmation processes and consumer evaluations in product usage ![]() |
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182 | Reassessment of Expectations as a Comparison Standard in Measuring Service Quality: Implications for Further Research ![]() |
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196 | E-Loyalty: Your Secret Weapon on the Web ![]() |
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209 | Two types of religious internalization and their relations to religious orientations and mental health. ![]() |
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210 | Influences on Exchange Processes: Buyers' Preconceptions of a Seller's Trustworthiness and Bargaining Toughness ![]() |
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211 | Antecedents and consequences of trust and satisfaction in buyer-seller relationships ![]() |
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213 | Relational Exchange in Services: :An Empirical Investigation of OngoingCustomer Service-provider Relationships ![]() |
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217 | Agency and trust mechanisms in consumer satisfaction and loyalty judgments ![]() |
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218 | A Model of Customer Satisfaction with Service Encounters Involving Failure and Recovery ![]() |
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219 | The Effects of Organizational Differences and Trust on the Effectiveness of Selling Partner Relationships ![]() |
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224 | A COMPONENT MODEL OF RELATIONAL COMPETENCE ![]() |
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225 | A Reexamination of the Determinants of Consumer Satisfaction ![]() |
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227 | How industrial salespeople gain customer trust ![]() |
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228 | Customer satisfaction: A meta-analysis of the empirical evidence ![]() |
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229 | An Exploratory Investigation into the Antecedents of Satisfaction, Brand Attitude, and Loyalty within the (B2B) eCRM Industry ![]() |
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230 | Customer Evaluations of Service Complaint Experiences: Implications for Relationship Marketing ![]() |
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234 | Intrinsic, Extrinsic, and Amotivational Styles as Predictors of Behavior: A Prospective Study ![]() |
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235 | The Academic Motivation Scale: A Measure of Intrinsic, Extrinsic, and Amotivation in Education ![]() |
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240 | Can the Linguistic Interdependence Theory Support A Bilingual-Bicultural Model of Literacy Education for Deaf Students? ![]() |
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241 | Brand loyalty and user skills ![]() |
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246 | The impact of service failure severity on service recovery evaluations andpost-recovery relationships ![]() |
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250 | Antecedents and consequences of satisfaction and commitment in turnover models: A reanalysis using latent variable structural equation methods. ![]() |
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251 | The internal marketing of services: the new age surge ![]() |
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252 | Customer value: The next source for competitive advantage ![]() |
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253 | The Effect of Salesman Similarity and Expertise on Consumer Purchasing Behavior ![]() |
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254 | Linking service quality, customer satisfaction, and behavioral intention. ![]() |
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255 | Effects of Dissatisfying Experiences on Repatronage Intentions and Negative Word-of-Mouth Behavior of University Students ![]() |
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256 | Customer perceived value, satisfaction, and loyalty: The role of switching costs ![]() |
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257 | (1990),“A Critical Review of Consumer Satisfaction,”in Review of Marketing, V. A. Zeithaml, (Ed.), 4(1), American Marketing Association, Chicago, IL.pp.68-123. | 미소장 |
258 | Consumer Behavioral Loyalty: ![]() |
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259 | The effects of information and company reputation on intentions to buy a business service ![]() |
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260 | Journal of Marketing ![]() |
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262 | The Behavioral Consequences of Service Quality ![]() |
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