Asia-Pacific Journal of Business Venturing and Entrepreneurship (벤처창업연구)

The Korean Society of Business Venturing (한국벤처창업학회)
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A Study of the Effect of Service Quality Factors Affecting Repurchase Intention in Life Insurance Services

생명보험사의 서비스품질이 보험상품 재구매의도에 미치는 영향에 관한 연구

  • Park, Kyoon-Sung (College of Business Administration, Graduate School of Venture, Hoseo University) ;
  • Ha, Kyu-Soo (Graduate School of Venture, Hoseo University)
  • 박균성 (호서대학교 벤처대학원) ;
  • 하규수 (호서대학교 벤처대학원)
  • Received : 2016.03.11
  • Accepted : 2016.05.29
  • Published : 2016.08.31
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Abstract

The competition among insurance companies has become increasingly intense driven by the recent changes in financial environment. In this study, we (i) categorize the quality of life insurance services into the core service, relational services, and additional services, (ii) assess the impact of each service on repurchase intension, and (iii) investigate if customer satisfaction has a mediating effect. The research subjects are 215 life insurance customers who were selected from an online survey respondent population. Based on the analysis we performed by utilizing the SPSS 18.0, we concluded that (i) maintaining service of the core services, internal relationship of service personnel and insurance salesmen of the relational service and additional services have a positive impact on repurchase intention and (ii) In the relationships between repurchase intentions, the customer satisfaction is fully mediated by maintaining service and insurance salesman and partially mediated by additional service. The results of this study can be meaningful for both industry and academia, because these results can be utilized as useful evidence in understanding selection behavior of life insurance customers and deriving various strategies in business environment.

최근 금융환경의 변화로 보험회사간의 경쟁이 더욱 치열해 지고 있다. 이에 본 연구는 생명보험사의 서비스 품질을 핵심서비스, 관계서비스, 부가서비스로 구분하고 재구매의도에 미치는 영향과 이때 고객만족은 매개역할을 하는지를 규명하였다. 연구대상은 생명보험 가입고객을 대상으로 온라인설문서를 활용하여 받은 215부를 최종 유효표본으로 선정하였다. 분석은 SPSS 18.0을 활용하였고, 그 결과 첫째, 핵심서비스 중 유지서비스, 관계서비스 중 보험판매원, 그리고 부가서비스가 재구매의도에 정적인 영향을 미치는 것으로 나타났다. 둘째, 고객만족은 재구매의도간의 영향관계에서 유지서비스와 보험판매원은 완전매개효과, 부가서비스는 부분매개효과가 확인되었다. 본 연구결과는 생명보험사 고객의 선택행동을 이해하고 경영환경에서의 다양한 전략을 도출하는데 유용한 기초자료로 근거한다는 점에서 산업적 학문적 의의를 둘 수 있을 것이다.

Keywords

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