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研究生:謝琛琦
研究生(外文):Chen-Chi Shieh
論文名稱:銀行放款人員核貸行為之研究
論文名稱(外文):A Study of Banking Loan Officer’s Behavior Intention:An Application of Theory of Planned Behavior and SocialCognitive Theory
指導教授:黃國良黃國良引用關係
指導教授(外文):Gow-Liang Huang
學位類別:碩士
校院名稱:國立高雄第一科技大學
系所名稱:金融營運所
學門:商業及管理學門
學類:財務金融學類
論文種類:學術論文
論文出版年:2002
畢業學年度:90
語文別:中文
論文頁數:98
中文關鍵詞:授信行為計劃行為理論社會認知理論
外文關鍵詞:loan behaviorthe theory of planned behavior
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銀行放款人員核貸行為之研究
-以計劃行為理論與社會認知理論為應用
中文摘要
本研究主要在探討銀行行員授信行為行為意向之研究,援引已有嚴謹結構,且經驗證支持之計劃行為理論與社會認知理論,針對銀行行員進行問卷調查,建構出銀行行員授信行為之行為意向模式,以更深入了解銀行行員行為因素、個人因素及環境因素三者間之互動關係。
本研究是以問卷的方式來收集資料,對象為南部地區之銀行授信行員。結果顯示:
(1)計劃行為理論:銀行行員的態度信念、主觀規範信念與知覺行為控制,並未達顯著會影響銀行行員授信行為之行為意向,但業績壓力顯著影響銀行行員授信行為之行為意向。。
(2)社會認知理論:銀行行員之「個人」、「環境」等二因素會相互影響。但與「行為」則並無任何關聯。
A Study of Banking Loan Officer’s Behavior Intention:An Application of Theory of Planned Behavior and SocialCognitive Theory
Student: Chen-Chi Shieh      Advisor: Dr. Gow-Liang Huang
    
Department of Financial Operations
National Kaohsiung First University of Science and Technology
Abstract
This study tries to investigate banking loan officer’s behavior intention, using the theory of planned behavior and social cognitive theory, both of which are widely used in the area of behavior science studies. A survey of questionnaire is designed to collect research data from bank employees. Through this study, it is expected we will better know the banking loan officer’s behavior intention model and understand the dynamic and interactive relationship between personal, environmental and behavioral factors.
The survey subjects for this research are the bank employees who mainly work in southern Taiwan. This research has made the following findings:
(1)The Theory of Planned Behavior: The banking loan officer’s behavior intention is heavily influenced by their job performance. Other factors have not achieved the expected statistical level with any significance.
(2)The Social Cognitive Theory:Bank employees’ Personal factor and Environmental factor are interactive, but they have no connection whatever with behavior.
目 錄
中文摘要 i
英文摘要ii
謝誌……………………………………………………………………...iii
目 錄iv
表目錄vi
圖目錄vii
第壹章 緒論1
第一節 研究背景及動機1
第二節 研究問題與目的5
第三節 研究流程6
第貳章 文獻探討7
第一節 銀行授信決策過程之文獻探討7
第二節 計劃行為理論14
第三節 社會認知理論27
第四節 計劃行為理論與社會認知理論之比較38
第參章 研究方法42
第一節 研究架構42
第二節 研究假說45
第三節 問卷設計與預試47
第四節 資料分析方法50
第肆章 研究分析53
第一節 信度分析54
第二節 描述性分析55
第三節 假說檢定67
第五章 結論與建議79
第一節 研究結論79
第二節 研究建議83
第三節 研究限制88
參考文獻89
中文部分89
英文部分91
附錄一:問卷內容96
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