臺灣博碩士論文加值系統

本研究主要以銀行授信從業人員為研究對像，在確認金融授信承辦人員面對授信行為中倫理道德問題時，情境的道德強度(moral intensity)與個人倫理決策中倫理認知、倫理判斷、倫理意圖之間的相關連性。並探討授信承辦人員面對授信行銷倫理問題時，個人倫理決策過程中「對倫理問題之知覺程度」、「對倫理問題的對錯判斷」以及「倫理意圖建立」等三階段間之相關性。
本研究經過訪談現任金融授信人員，討論發展出適合本研究目的之四種情境案例，以金融授信人員為問卷對象。檢驗道德強度對倫理決的影響。
本研究結果發現:
1.倫理決策過程的各階段之間具有正相關性。
2.倫理規範與倫理判斷具有正相關性。
3.道德強度與倫理決策具有正相關性。

This study mainly takes bank credit practitioners as research objects. When confirming that financial credit contractors face ethical issues in credit behavior, the moral intensity of the situation and the ethical cognition, ethical judgment, and ethical intention in personal ethical decision-making The correlation between these two. It also found the correlation between the three stages of “the degree of perception of ethical issues”, “the right and wrong judgment of ethical issues” and “establishment of ethical intentions” During the process of personal ethical decision-making in the face of credit ethics.
This study was interviewed by current financial credit officers to discuss the development of four situational cases suitable for the purpose of this study, with financial creditors as the questionnaire. Test the impact of moral strength on ethical decisions.
The results of this study being found that:
1.There is a positive correlation between the various stages of the ethical decision-making process.
2.Ethical norms are positively correlated with ethical judgments.
3.Moral strength is positively correlated with ethical decision making

目錄 ......................................I
圖目錄 ..................................III
表目錄 ...................................IV
第一章 緒論 ..............................1
1.1 研究動機 ..............................1
1.2 研究目的 ..............................3
第二章 文獻探討 ............................4
2.1 授信人員之行為規範 .....................4
2.2 授信人員爭議事件 .......................5
2.2.1 違反關係人交易 ...................... 5
2.2.2 違反資料審核不實及內稽內控未落實 .......5
2.3 金融人員道德強度與倫理決策 ...............7
第三章 研究方法.............................11
3.1 問卷設計 ..............................11
3.2 情境設計 ..............................12
3.3 實證方法 ..............................14
第四章 資料分析 ...........................15
4.1 問卷回收及個人背景資料分析 ..............15
4.2 道德強度與倫理決策之迴歸分析 ............18
第五章 結論與建議 .........................24
5.1 研究結論 ...............................24
5.2 管理意涵 ...............................24
參考文獻 ...................................26
一、 英文部份 ..............................26
二、 中文部份 ..............................28
附件 .......................................29
附件 1:永豐金裁罰案例 .......................29
附件 2:王道銀行裁罰案例 .....................30
附件 3:華南銀行裁罰案例 .....................31
附件 4:高雄銀行裁罰案例 .....................32
附件 5:遠東銀行裁罰案例 .....................33
附件 6:大眾銀行裁罰案例 .....................34
附件 7:渣打銀行裁罰案例 .....................35
附件 8:新光銀行裁罰案例 .....................36
附件 9:問卷樣式 ............................37
圖 目 錄
圖 1-1 逾放比率 .............................1
圖 1-2 逾放金額 .............................2
圖 3-1 Rest 四階段倫理決策模式 ..............12
表 目 錄
表 4-1 受測者背景變異次數分配表 ..............16
表 4-2 四個情境案例比較統計分析 ..............18
表 4-3 個案一迴歸結果分析表 ..................19
表 4-4 個案二迴歸結果分析表 ..................20
表 4-5 個案三迴歸結果分析表 ..................21
表 4-6 個案四迴歸結果分析表 ..................22
表 4-7 各情境迴歸結果彙整－銀行授信人員樣本 ...23

一、英文部份
1.DeConick, J. B., and Lewis, W. F. (1997). The Influence of Deontological and Teleological Considerations and Ethical Climate on Sales Managers. Intentions to Reward or Punish Sales Force Behavior, Journal of Business Ethical, 16, 497-506.
2.Ferrell, O. C., Gresham, L. G., Fraedrich, J. (1989). A Synthesis of Ethical Decision Models for Marketing, Journal of Macromarketing, 11, 55-64
3.Fritzsche, D. J., & Becker, H. (1983). Ethical behavior of maketing managers. Joumal of Business Ethics, 2(4), 291-299.
4.Fritzsche, David, J. (1988). An Examination of Marketing Ethics: Role of the Decision Maker, Consequences of the Decision, Management Position and Sex of the Respondent, Journal of Macromarketing, 8(2), 29-39.
5.Garrett, T. M. (1966). Business Ethics., Englewood Cliffs, N.J.: Prentice-Hall.
6.Haines, R., & Leonard, L. N. K. (2007). Individual characteristics and ethical decision-Making in an IT context. Industrial Management and Data Systems, 107(1), 5-20.
7.Hunt, S. D. and Vitell, S. J. (1986). A General Theory of Marketing Ethics. Journal of Macromarketing, 6(1), 5-16.
8.Rawls, J. (1971). A Theory of Justice. Cambridge, Mass: The Belknap Press of Harvard University Press.
9.Jones, T. M. (1991). Ethical Decision Making by Individuals in Organizations: AnIssue-Contingent Model. Academy of Management Review, 16(2), 366-395.
10.Kohiberg, L. (1984). Essays on Moral Development The Psychology of Moral
Development. San Francisco: Harper and Row, 2.
11.Laczniak, G. R. (1983). Framework for Analyzing Marketing Marketing Ethics. Journal of Macromarketing, 5, 7-17.
12.Laczniak, G. R. & Inderrieden, E. J. (1987). The Influence of Stated Organizational Concern upon Ethical Decision Making, Journal of Business Ethics 6(4), 297-307.
13.Levy, Michael, Alan, J. & Dubinsky. (1983). Identifying and Addressing Retail Salespeople’s Ethical Problems: A Method and Application. Journal of Retailing, 59(Spring), 46-66.
14.McDonald, G. M. & Kan, P. C. (1997). Ethical Perception of Expatriate and Local Manmagers in Hong Kong, Jounal of Business Ethics, 16(15), 1605-1623.
15.Milgram, P. (1974). Obedience to Authority, New York: Harper & Row.
16.Osborn, Richard, N., & James, C. Hunt. (1974). Environment and Organization Effectiveness. Administrative Science Quarterly, 19 (2), 231-246.
17.Rest, J. (1986). Moral development: Advances in Theory and Research. New York: Praeger.
18.Treviño, L. K., Weaver, G. R., & Reynolds, S. J. (2006). Behavioral ethics in organizations: A review. Journal of Management, 32(6), 951-990.
一、中文部份
1、林火旺（2004）。倫理學。台北：五南出版社。
2、陳勁甫、許金田（2012）。企業倫理：內外部管理觀點與個案。台北：前程出版社。