By summarizing the research on the satisfaction and loyalty between employees and organizations, we found that there is very little research on the satisfaction and loyalty between employees and organizations under the "informal group" structure. Although there are many studies that focused on the relationship between employee and organization satisfaction and loyalty under the "formal group" structure, controversy will also arise. Some scholars have suggested that there are some adjustment factors between satisfaction and loyalty that affect the relationship between the two. With the integration and development of the financial service industry, the bank’s account manager needs to sell the products in addition to the internal products of the bank, but also to represent the financial products of third parties. Among them, the cooperation between banks and insurance companies is the most and deepest. From the perspective of human resource management, the satisfaction of bank account managers as part-time agents with insurance companies is related to incentives, corporate image, service quality and other factors. Satisfaction also affects the sales willingness and loyalty of the account manager to the insurance company.This research surveyed bank account managers from five major banks through a questionnaire survey, and 314 valid data were obtained. This study uses paths to analyse the direct and indirect effects on variables. Statistical analysis results show that perceived service quality, and perceived product difficulty all directly positively predict the satisfaction of bank account managers with insurance companies. The satisfaction of bank account managers will positively predict sales willingness and loyalty. And then the study uses stepwise regression to analyse the moderating variables. The customer satisfaction perceived by the bank account manager have moderating effect with the sales willingness and loyalty.Therefore, this study explores the relationship between employee satisfaction and loyalty under the "informal group" structure, which has important theoretical significance. First, this study verifies the factors of bank account managers’ satisfaction with insurance companies; second, it Verified the role of customer satisfaction in the adjustment of bank customer managers to the satisfaction of insurance companies on sales willingness and loyalty. At the same time, this research also has a certain practical significance: in the actual cooperation between banks and insurance companies, it will help reduce costs, improve the performance goals of both parties, and achieve a win-win situation. Therefore, suppliers should combine diversified management and incentives when cooperating with agents.
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