人格特質、工作特性與工作滿意度之關係 －以銀行理專為例

Relationships among Personality Trait,Job Characteristics and Job Satisfaction―the Case of Financial Adviser

張令晴(Ling-Ching Chang)

指導教授 ： 何瓊芳

中原大學/商學院/國際貿易研究所/碩士(2009年)

https://doi.org/10.6840/cycu200900214

摘要

近幾年來隨著大環境景氣低落，失業率逐漸提升、通貨膨脹率提高，民生痛苦指數不斷攀升，如何有效運用有限的資金進行投資，以期能獲取較銀行定存更高的利潤，此為現今普遍大眾所最關心的議題。銀行不斷推出新的金融商品，投資大眾對於理財的需求愈來愈殷切，投資管道也趨多元化，理財專員面對愈來愈多的客戶需求時，其人格特質、工作特性、工作滿意度，多少都會影響工作表現，所以本論文即針對銀行理財專員人格特質、工作特性、工作滿意度三個構面關聯進行探討。
本論文研究目的為：1.探討銀行理財專員人格特質對工作特性是否有影響。2.探討銀行理財專員工作特性對工作滿意度是否有影響。3.探討銀行理財專員人格特質對工作滿意度是否有影響。4.探討個人屬性變項對其人格特質、工作特性、工作滿意度是否有差異。將人格特質、工作特性、工作滿意度做相關文獻整理，建立研究架構，做出變數操作性定義，以進行問卷調查，本研究共發放350份問卷，回收份數共270份，扣除無效問卷58份，有效問卷合計共212份。本研究使用SPSS 統計套裝軟體，以敘述性統計、信度分析、因素分析、相關分析、單因子變異數分析等統計方法進行實證分析。實證結果發現銀行理專的人格特質正向顯著影響工作特性，工作特性正向顯著影響工作滿意度，人格特質亦正向顯著影響工作滿意度。對銀行業來說，建議未來可透過人格特質或滿意度調查表問卷方式來徵選優秀人才。本研究彙整結果如下：
一、銀行理財專員人格特質對工作特性有顯著性影響。
二、銀行理財專員工作特性對工作滿意度有顯著性影響。
三、銀行理財專員人格特質對工作滿意度有顯著性影響。
四、個人屬性變項對銀行理財專員人格特質、工作特性、工作滿意度沒有顯著差異。

關鍵字

人格特質 ； 工作特性 ； 工作滿意度

並列摘要

In recent years, the society has changed a lot like the economic depression, unemployment rate increased, higher inflation, people’s livehood and the pain index have risen. In order to get the higher profits out of the bank deposits, people are more concerned about how to use the limited money for investment. The bank has continually introduced new financial products; investors’ demands for higher returns are growing strongly, and investment tools are also more diversified. The financial adviser is facing more and more customers’ demands.Questions raised like whether their personality trait, job characteristics or job satisfaction influence their performances? Therefore, this study discusses the relationships among financial advisersve personality trait, job characteristics and job satisfaction.

The purposes of this study are: 1.investigating whether the financial adviser’s personality trait influence the job characteristics; 2.investigating whether the financial advisers’ job characteristics influence the job satisfaction; 3.investigating whether the financial adviser’s personality trait influence the job satisfaction; 4.investigating whether personal property variables influence the personality trait, job characteristics or job satisfaction. In this survey, 350 questionnaires were sent and 270 questionnaires were returned of those, 58 are invalid questionnaires, there were 212 valid questionnaires at all, which were used for statistical analysis. The paper uses an empirical analysis, which used SPSS for descriptive statistics, reliability analysis, factor analysis, correlation analysis and ANOVA.We find that, the personality trait affects job characteristics, job characteristics affects job satisfaction, personality trait affetc job satisfaction. For the bank,we suggest the questionnaires of personality and job satisfaction can be reference select the outstanding new members.The research findings are as follows:

(1)Financial advisers’personality trait have significantly influence job characteristics.
(2)Financial advisers’job characteristics have significantly influenced job satisfaction.
(3)Financial advisers’personality trait have significantly influenced job satisfaction.
(4)No significant difference has been found between demographic variables and
personality trait,job characteristics and job satisfaction of Financial adviser.

並列關鍵字

personality trait ； job characteristics ； job satisfaction

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