| 摘要: | 全球金融衍生性理財工具的蓬勃發展，銀行業重視金融創新，不斷推出新的金融商品，加上投資大眾對於理財的需求日益殷切，更要能符合金融顧客消費群眾的需要，投資管道也趨多元化，理財專員面對形形色色的客戶需求。尤其在金融4.0時代，顯示銀行理專核心職能的重要性，與日俱增。 在競爭激烈的金融環境下，銀行對其員工的工作績效的要求更高更嚴格。理財專除了負責推廣銀行的業務，在財富管理市場中擔任重要的角色，不僅要為客戶做好理財規劃，同時也要達成銀行交付的使命。可見，銀行會不斷要求理專的工作績效。故本研究欲釐清銀行理專核心職能對工作績效之影響性。 本研究以服務於銀行的理專發放300份問卷，有效問卷為287份。本研究利用迴歸模式，分析核心職能對工作績效的影響性。研究結果發現，銀行理專核心職能四大構面，包含人格特質、工作及學習能力與態度、專業知識技能、人際關係建立及技巧，皆對工作績效，是指財務績效、任務績效、組織效能具顯著正向影響性。 釐清銀行增加工作績效的策略，亦指提高銀行理專的財務績效、任務績效、組織效能，從實證中，得知銀行理專核心職能的四大構面，人格特質、工作及學習能力與態度、專業知識技能、人際關係建立及技巧的提升是有顯著增強之效果。尤其在金融4.0時代，本研究提供予銀行業者及銀行理專在面臨數位金融衝擊下如何因應與突破之建議。最後，對實務上及後續研究者提出建議。
During the development of derivative financial instruments, the Banking Industry attaches the importance to financial innovation and constantly introducing new financial products. Coupled with the public demand for financial management are increasing strongly, but also to meet the needs of financial customers. Investment channels are also diversified, financial commissioners in the face of all kinds of customer needs. It's showing the importance of the core functions of the bank financial commissioner day by day. In the 4.0 era of FinTech (Financial Technology) coming, the financial advisors' core competences become much more important than before day by day. In a highly competitive financial environment, banks require higher and more stringent performance requirements for their employees. In addition to being responsible for promoting the bank's business, wealth management professionals play an important role in the wealth management market. Not only to do financial planning for customers, but also to achieve the mission of bank delivery. It can be seen that banks will continue to require the work of the Polytechnic. Therefore, the present study is intended to clarify the impact of the core functions of the bank on job performance. This study, 300 questionnaires were issued by the financial commissioners serving the banks, with a total of 287 valid questionnaires. And we use the regression model to analyze the impact of core functions on job performance. The results show that the four major functions of the core functions of the bank, including personality traits, work and learning ability and attitude, professional knowledge and skills, interpersonal relationships and skills, are the performance of the financial performance, task performance, organizational effectiveness With significant positive impact. It also points out that the four aspects of the core functions of the bank, such as personality traits, work and learning ability and attitudes, should be taken into account in the empirical study, to clarify the bank's strategy to increase job performance. Professional knowledge and skills, interpersonal relationships and skills to enhance the establishment of a significant increase in the effect. In the 4.0 era of FinTech coming, this study provides important advice to bankers and Bank finance commissioners on how to cope with and break through financial shocks of FinTech. Finally, we provide recommendations for practical and follow-up researchers. |
