本研究之目的在協助廣告人對中外廣告的語境表徵及文化差異有更進一步的了解，供其在製作廣告上細部的思考，進而能讓廣告適切扮演推動社會進步的角色。台灣與西方國家在廣告的訊息內容及文化呈現上是否有所差異，影響因素為何，為研究問題所在。 本研究採內容分析法，以2000年到2002年時報廣告金像獎及倫敦國際廣告獎之得獎影片為研究對象，進行跨文化之比較分析。研究主要發現有四：第一，兩者多以塑造形象、軟性銷售及幽默訴求為主，此類作品的表現手法較易奪得評審的青睞。第二，後者使用反面陳述的比例較高，主要原因為西方文化中的個人與社會承擔風險的反應程度較高所致。第三，前者以背景音樂為主，後者則以主題歌曲為多，究其原因為前者評選著重內容情節，而後者則在創意、設計、技術等方面齊頭並重。第四，在文化呈現方面，權力距離、不確定性規避、群體主義、柔性作風四類目，前者均高於後者且呈現顯著差異，反應出東西方文化本質上的不同；而個人主義和剛性作風並無顯著差異，可能原因為近年西風東漸，台灣文化亦逐漸走向個人主義抬頭，重視成就與效率等面向（特別是在個人主義類目，前者尚呈現逐年上升的趨勢）；後者在不同年代文化呈現的類目均無顯著差異，說明了西方文化處於一種較為穩定的狀態。

台灣金融業競爭日益激烈，在產品同質性高的情況之下，各家金融機構轉而透過服務來創造差異化利基並且盡力與顧客維持長久且深厚的關係，厚植競爭力。對於金融機構行銷人員來說，其透過提供符合期望之產品服務來使既有顧客重複購買使用，並選擇正確的溝通管道與顧客溝通，藉此增加顧客對該行的忠誠度，達到極大化顧客終身價值的顧客關係管理目標。 金融機構與顧客接觸的管道相當多元，從實體分行之臨櫃人員、理財專員、客服中心到虛擬之電子郵件、網路銀行與手機APP等。然而，過去卻少有研究探討金融機構在執行顧客關係管理活動時透過不同「溝通管道」與「溝通內容」對於顧客溝通訊息之說服效果差異。因此，本研究目的在於了解金融機構在執行顧客關係管理活動的訊息傳遞時，透過何種管道以及傳遞何種內容之訊息對於顧客會有最佳之說服效果，進而提升顧客關係管理之成效。本研究主要透過實驗設計與問卷發放來蒐集資訊。 研究結果有以下幾點；首先，顧客對於來自不同管道的「非個人化訊息」所認知之說服效果有差異，又以網路銀行的說服效果最佳。然而「個人化訊息」透過不同溝通管道傳遞，對於顧客卻沒有顯著差異的說服效果。其次，透過「電話」與「電子郵件」傳遞訊息時，搭配「個人化訊息」有顯著較佳的說服效果，其中電話的差異性較大。至於「網路銀行」不論搭配何種內容的訊息，對於說服效果無顯著差異，不過整體來說，使用網路銀行與顧客溝通時，說服效果皆大於其他溝通管道。 / As the competiton among financial industry in Taiwan is getting increasingly fierce, under the high product homogeneity, each financial instutution turns to create differentiation through service and tries hard to maintain a life-long relationship with cistomers. For financial marketers, they make customers purchase the product or use the service again and again not only by providing proucts and services which meets their expectations, but also choosing the right channel to communicate with customers. All the efforts are meant to increase cusomers’ loyalty and attain the goal of customer relationship management – maximize customers’ life-time value. There are multi channels for financial institutions to contact their customers, from physical channels including counter personnels, financial consultants and call center to virtual channels such as email, online bank and APP on mobile phones. However, few studies had discussed the difference of persuasive effects of messages delivered through “different channels” and “different contents” within when financial institutions implementing CRM activities. Therefore, the purpose of the study is to compare and understand by what channel and with what contents may have the best persuasive effects when sending messages to customers, in order to enhance the result of CRM.The main research method is experimental design and collecting data by questionnaires. The study result are shown below. First, the persuasive effect of “non-pesonalized” message delivered through different channels is significantly different, especially through “online bank” has the best persuasive effect. However, the persuasive effect of “pesonalized” message delivered through different channels has no differences. Second, delivering “pesonalized” message by “phone” and “email” has significantly better persuasive effect. Besides, using “online bank” to deliver messages, there is no difference of persuasive effect no matter what content within. But generally speaking, using online bank to communicate with customers, compared to other two channel, it has better persuasive effects.