顧客參與對商業(yè)銀行服務(wù)創(chuàng)新績效的影響研究
本文選題:顧客參與 + 知識轉(zhuǎn)移 ; 參考:《華中科技大學(xué)》2012年碩士論文
【摘要】:20世紀(jì)90年代,在全球經(jīng)濟(jì)一體化及信息科技的推動(dòng)下,全球產(chǎn)業(yè)結(jié)構(gòu)發(fā)生了重大變化,即經(jīng)濟(jì)結(jié)構(gòu)從“工業(yè)型”轉(zhuǎn)向了“服務(wù)型”。近十年來,全球的“服務(wù)型經(jīng)濟(jì)”已慢慢地由“傳統(tǒng)型”轉(zhuǎn)變?yōu)椤爸R密集型”,許多知識密集型服務(wù)業(yè)已發(fā)展為服務(wù)業(yè)的中堅(jiān)產(chǎn)業(yè),比如金融服務(wù)、高科技研發(fā)服務(wù)等。 本文選取銀行業(yè)這種典型的知識密集型行業(yè)為研究對象,分析顧客參與對銀行業(yè)服務(wù)創(chuàng)新的影響。本文從國內(nèi)外相關(guān)文獻(xiàn)研究出發(fā),,從顧客參與的四個(gè)維度分析顧客參與對商業(yè)銀行服務(wù)創(chuàng)新績效的影響,并以顧客知識轉(zhuǎn)移作為中介變量提出本研究的假設(shè)模型。本文主要針對湖北地區(qū)的商業(yè)銀行進(jìn)行問卷發(fā)放,并對搜集的數(shù)據(jù)運(yùn)用SPSS進(jìn)行處理分析。實(shí)證結(jié)果得出以下結(jié)論:(1)在顧客參與商業(yè)銀行服務(wù)創(chuàng)新的過程中,顧客參與的各個(gè)維度均對顧客知識轉(zhuǎn)移有正向的影響,只是影響的程度不一樣;(2)作為中介變量的顧客知識轉(zhuǎn)移能夠很好的促進(jìn)商業(yè)銀行的服務(wù)創(chuàng)新;(3)因?yàn)閷㈩櫩椭R轉(zhuǎn)移作為了中介變量,顧客參與行為能夠通過這個(gè)中間變量對服務(wù)創(chuàng)新績效產(chǎn)生積極的影響,即顧客參與與顧客知識轉(zhuǎn)移、顧客知識轉(zhuǎn)移與服務(wù)創(chuàng)新績效之間均有正向的影響。最后在實(shí)證研究結(jié)果的基礎(chǔ)上對商業(yè)銀行服務(wù)創(chuàng)新提出了相關(guān)了建議。
[Abstract]:In the 1990s, with the promotion of global economic integration and information technology, the global industrial structure has undergone great changes, that is, the economic structure has changed from "industrial" to "service-oriented". In the past decade, the global "service-oriented economy" has gradually changed from "traditional" to "knowledge-intensive". Many knowledge-intensive services have developed into the backbone of service industries, such as financial services, high-tech R & D services and so on. This paper chooses the banking industry as a typical knowledge-intensive industry to analyze the impact of customer participation on banking service innovation. This paper analyzes the impact of customer participation on the service innovation performance of commercial banks from the four dimensions of customer participation and puts forward a hypothetical model based on customer knowledge transfer as an intermediary variable. This paper mainly aims at the commercial banks in Hubei province to issue questionnaires, and uses SPSS to process and analyze the collected data. The empirical results show that: 1) in the process of customer participation in commercial bank service innovation, each dimension of customer participation has a positive impact on customer knowledge transfer. However, the degree of influence is different. (2) customer knowledge transfer as an intermediary variable can well promote the service innovation of commercial banks, because customer knowledge transfer is regarded as an intermediary variable. Customer participation behavior can have a positive impact on service innovation performance through this intermediate variable, that is, customer participation and customer knowledge transfer, customer knowledge transfer and service innovation performance have a positive impact. Finally, on the basis of empirical research results, the paper puts forward some suggestions on commercial bank service innovation.
【學(xué)位授予單位】:華中科技大學(xué)
【學(xué)位級別】:碩士
【學(xué)位授予年份】:2012
【分類號】:F832.33
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