디지털융복합연구 (Journal of Digital Convergence)

  • 제16권5호
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  • Pages.85-95
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  • 2018
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  • 2713-6434(pISSN)
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  • 2713-6442(eISSN)
한국디지털정책학회 (The Society of Digital Policy and Management)
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연금서비스의 지속가입의도에 영향을 미치는 요인에 관한 연구 -중소기업 과학기술인연금을 중심으로

A Research on the Influences on the Intention to be Continuously Subscribed to the Pension Service -Centered on the Small and Medium-sized Enterprises Science and Technology Pension

  • 정수용 (숭실대학교 컴퓨터학과) ;
  • 신용태 (숭실대학교 컴퓨터학부) ;
  • 고인수 (숭실대학교 IT정책경영학과)
  • Jung, Soo-Yong (Dept. of Computer Science Graduate School, Soongsil University) ;
  • Shin, Yong-Tae (Dept. of Computer Science and Engineering, Graduate School, Soongsil University) ;
  • Koh, In-Soo (Dept. of IT Policy Management Graduate School, Soongsil University)
  • 투고 : 2018.04.06
  • 심사 : 2018.05.20
  • 발행 : 2018.05.28
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초록

본 연구는 연금서비스에 가입하고 있는 중소기업 과학기술인을 대상으로 연금서비스에 지속가입의도에 미치는 영향에 대해 알아보고 최종적으로 연금서비스에서 제공하고 있는 안전형과 수익형 가입자들 간의 차이를 알아보고자 하였다. 수집한 설문을 통해 실증분석을 실시하였다. 통계프로그램을 통해 신뢰도, 타당성분석을 실시하였고 구조방정식 모델의 적합도를 검정하였으며 최종적으로 연구모형을 통해 가설검증 및 그룹간의 차이를 분석 하였다. 서비스품질 요인의 신뢰성, 대응성 요인은 매개변수인 지각된 가치에 대해 긍정적인 영향을 미치는 것으로 조사되었으며, 유형성 그리고 공감성 요인은 지각된 가치에 대하여 영향을 미치지 못하는 것으로 나타났다. 그리고 연금서비스의 속성요인인 안정성과 유용성은 지각된 가치에 긍정적인 영향을 미쳤다. 최종적으로 연금서비스의 지각된 가치는 지속가입의도에 긍정적인 영향이 있는 것으로 나타났다. 본 연구 결과를 통해 연금서비스의 활성화에 이바지 할 수 있으며, 기존의 연금 서비스보다 더 나은 연금서비스를 제공할 수 있다고 사료된다.

With the scientists and the technicians of the small- and medium-sized enterprises who have been subscribing to the pension service as the subjects, this research took a look at the influences on the intention to continuously subscribe to the pension service and, finally, took a look at the differences between the subscribers of the safety type and the profit type which have been provided by the pension service. Through the questionnaire survey, which collected the data, an actual proof analysis was carried out. Through the statistical program, the degree of the reliability analysis and the feasibility analysis were carried out. And the degree of the suitability of the structural equation model was tested. And, finally, through the research model, the hypothesis was verified and the differences between the groups were analyzed. It appeared that the factors of the reliability and the responsiveness of the service quality factor have the positive influence on the perceived value, which is a parameter. And it appeared that the materiality and the perceptual openness factors cannot have any influence. And the stability and the usefulness, which are the attributed factors of the pension service, had the positive influences on the perceived value. Finally, it appeared that the perceived value of the pension service has a positive influence on the intention to subscribe continuously. Through the results of this research, it can contribute to the invigoration of the pension service. And it is thought that a pension service which is better than the preexistent pension service can be provided.

키워드

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