보험산업에서 윤리적 판매행동의 조절효과에 관한 실증연구: 서비스품질 - 만족도 - 충성도 간의 관계
The Moderating Effect of Ethical Sales Behavioron the Linkage of Service Quality - Purchase Satisfaction - Customer Loyalty in Insurance Industry
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초록
최근 무분별한 상품판매와 소비자의 불완전판매 경험으로 인한 보험산업 전체의 불신이 증가하고 있는데, 질적 성장 차원에서 보험소비자의 충성도를 확대시킬 수 있는 구체적인 방안이 요구된다. 이를 위해 본 연구는 기존 소비자 행동론적 방법론을 수용하여, 보험산업 내 인지된 서비스품질-구매만족도-충성도 간의 구조적 관계에서 나타나는 윤리적 판매행동의 조절효과를 탐색하였다. 통계결과 첫째, 상품품질과 반응속도는 고객의 만족도와 충성도를 높이는데 기여하는 것으로 나타났다. 둘째, 정보공개는 고객만족도 만을 증진시키는 것으로 나타났다. 셋째, 지각된 윤리적 판매행동은 구매만족도를 결정하고, 구매만족도와 고객충성도 간 양(+)의 관계를 증진 조절하는 것으로 확인하였다. 본 연구의 시도는 보험사와 소비자 간의 상생을 통한 영속성 확보 관점에서, 불완전판매 해소의 중요성을 제고시키는 데 기여할 것으로 기대한다.
Abstract
Recently, the distrust in the insurance industry due to thoughtless product sales and the consumer's experience of incomplete sales is increased. Therefore, a specific plan that can expand the consumer's loyalty and make a qualitative development is needed. This study attempts to explore the relationship between perceived service quality, satisfaction, and loyalty in insurance industry and the moderating effect of ethical sales behaviors. For the purpose of confirming hypotheses, this study constructed the structural models based on the previous insurance studies, and 477 customers were surveyed on the streets. The results are as follows: (1) Product quality and reaction speed improves customer satisfaction and loyalty. (2) Public information disclosure only improves customer satisfaction. (3) Perceived ethical sales behaviors is positively associated with satisfaction and moderating the relationship between satisfaction and loyalty. This study contributes to reassuring the need of ethical sales behaviors for resolving the issues of incomplete sales.
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