earticle

영어

Competence-based strategic management theory explains how organizations can develop sustainable competitive strategy in a systematic and structural way. Competence in banking industry must include the ability to respond to the dynamic nature of a banking organization’s external environment and of its own internal processes. Private banking is banking, investment and other financial services provided by banks to high-net-worth individuals who enjoy high levels of income or invest sizable assets. And private banking forms an important, high-level and more exclusive (for the especially affluent) subset of wealth management. At least until recently, it largely consisted of banking services, discretionary asset management, brokerage, limited tax advisory services and some basic concierge-type services, offered by a single designated relationship manager. This paper has framed to examine the relationship among private bankers competence and organizational effectiveness as like job satisfaction and job performance to the korean private bankers. This paper proposed that private banker competency increase with job performance and job satisfaction. In addition, this one proposed that perceived location moderated the relationship between banker competency and the outcome variable (job performance and job satisfaction). To test reliability and construct validity of variables, reliability test and factor analysis were conducted, and to test the proposed hypotheses. The results of the study are as follows; First, professional competency has positive influence on job performance and job satisfaction. And behavioral competency has positive influence on job performance and job satisfaction. Second, the moderating effects of perceived location between competency and two outcomes(job performance and job satisfaction) were partly accepted. These results are expected to give some theoretical contributions for behavioral competency research subject with its try for theory's generalization. And they are also expected to give some helps for management of Private Bankers, especially its human resource policy. Results suggested that when organizations make efforts to develop their private banker HRM, PB become more committed to develop their behavioral competency.

한국어

최근 금융 환경의 급속한 변화로 금융기법에 따른 발전과 변화에 금융사들은 경쟁에 뒤처지지 않고 경영성과를 달성하기 위하여 새로운 인적역량의 개발과 제도의 도입에 촉각을 세우고있다. 특히 금융 산업 중 은행들은 저금리 기조로 인한 예대마진의 저하는 은행을 포함한 금융권 전반에 수익성 창출에 어려움을 겪고 있는 상황에서 다양한 금융상품의 판매와 주요 고객의 니즈에 적합한 상담을 주로 담당하는 프라이빗 뱅커(PB)의 역할이 매우 중요하게 된 상황이다. 본 연구는 전문인력의 인적역량 중 은행의 PB의 인적역량을 전문역량과 행동역량으로 나누어 이들의 인적역량이 그들의 성과인 직무성과와 직무만족에 어떠한 영향을 보이는지를 살펴보았으며, 또한 이들의 직접적인 관계에서 은행의 외부적 상황요인인 입지요인이 어떠한 조절역할을 하는지를 살펴보았다. 연구 결과에 따르면, 은행의 전문인력인 PB의 인적역량 가운데, 전문역량과 행동역량이 직무성과와 직무만족에 정(+)의 영향을 미치는 것으로 나타났다. 또한 입지의 조절효과 분석에서는 직무성과의 관계에서는 역량과 입지의 조절효과를 발견할 수 없었지만, 직무만족과 입지요인의 상호작용의 조절효과는 유의적인 관계가 나타나서, 입지가 은행의 PB의 직무만족에 중요한 조절변수임을 확인할 수 있었다.