在競爭激烈的金融環境下，財富管理已成為銀行重要業務，然而金融商品同質性高，產品與價格差異相當有限，為使財富管理業務者力求表現，除銀行妥適的激勵措施之外，另方面當推理財專員的個人特質，因此，組織的激勵措施，以及理財專員之人格特質，對於工作績效具有何種影響力，此議題值得深究討。
本研究以立意抽樣，採質化半結構式深度訪談方式，訪談F銀行的理財專員10人，旨在探討理財專員人格特質、組織激勵作用對工作績效之影響。
本研究結果，敘述如下：
1.績效考核、主管印象作祟：獎勵的分配未能基於公平及透明化的原則，此種作法，有損於激勵作用之發揮。
2.專業熟練、良好業績之本：業務熟練程度有其重要性，因此銀行理財工作的年資越久，能為公司創造的績效也愈高。
3.積極任事、理財工作首要：理財專員本身個人積極任事，高度工作意願等，對工作績效有明顯影響。
4.主管關懷、影響業績甚巨：主管平日對理財專員要多加關心，主管對理財業務支持程度對工作績效有正面影響。
5.勤勉謹慎、導致高度業績：人格特質中屬於「勤勉審慎、成就動機」類型的理財人員，其工作績效越好。
6.社交長才、依舊有益理財：人際關係圓融，依舊有助於理財工作，人格特質屬於高度「外向社交」的理財人員，其工作績效越好。
7.獎勵措施、講求現世利益：在諸多的激勵措施中，理財專員認為金錢獎勵最具效用，其次是考核及升遷。
另方面，藉由私誼的人際互動，並無助於理財；再者無心理財，導致對獎勵措施無感者，以及覺得上司考核不公者，則有礙工作績效之提升。
根據研究結果，本研究提出以下建議：
主管對員工的工作績效考核，宜多元、公平考慮；在選任理財專員時，應慎選有工作意願者；獎勵措施要得到受獎勵者認同，並講求考核的公平性；單位主管宜多關心員工，此舉有助工作績效提高；理財專員配置，應注重人格特質中「勤勉審慎性」及「外向性」；建立有效的激勵制度，吸引有心員工進入；績效的評估，務必公平。 / Under the financial environment of intense competition, wealth management has become an important business of the bank. However, the financial products are highly homogenous, so the difference of the products and prices are quite limited. To make the wealth management personnel get better performance, the bank should pay attention to the personality trait of the financial consultants besides appropriate incentives. Therefore, it deserves deeply exploration about what influence the incentives adopted by the bank and the personality traits of the financial consultants will bring to the work performance.
Taking purposive sampling and qualitative semi-structured in-depth interview, this study interviewed 10 financial consultants from Bank F, with the aim to explore the influence of their personality traits and incentive effect on the work performance.
The results of this study are illustrated as below:
1. Performance appraisal is affected by the impression of the supervisor: The bonus distribution is not based on the fair and public principle. It is unfavorable to the incentive effect.
2. Profession and experience are the key to good performance: The business experience is important, so the longer the financial consultant works, the higher performance he could create for the corporation.
3. Initiative is the primary requirement for wealth management: The initiative and high work willingness of the financial consultants show significant influence on the work performance.
4. The supervisor’s care shows great influence on the work performance: The supervisor should care for the financial consultants more, and their support to the wealth management business shows positive influence on the work performance.
5. Diligence and prudence will result in high performance: The financial consultants with personality traits of “diligence, prudence and achievement motivation” will get better work performance.
6. Excellent interpersonal ability is also helpful to wealth management: Good interpersonal relationship is helpful to the wealth management. Therefore, the financial consultants with personality traits of “extroversion and social ability” will get better work performance.
7. The incentives are inclined to material benefits: Among various incentives, the financial consultants think the monetary rewards are the most effective, followed by evaluation and promotion.
On the other hand, the private interpersonal interaction is not helpful to the wealth management. Moreover, those who don’t concentrate on the wealth management, or don’t care the incentives, or think the evaluation of the supervisor is unfair, are unfavorable to improve the work performance improvement.
Based on the study results, this study proposes the following suggestions:
The work performance evaluation conducted by the supervisor should be diverse and fair. When recruiting the financial consultants, the supervisor should choose those with work willingness. The incentives should be recognized by the awardees, and the evaluation should be fair. The unit supervisor should care for the staff more, which will be helpful to the work performance improvement. As for the allocation of financial consultants, it should pay attention to “diligence and prudence” and “extroversion” of the personality traits. Moreover, it should establish effective incentive system to attract those who are willing to be engaged in this work. It also should conduct fair performance evaluation.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0099921027 |
| Creators | 李鵬遠 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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