根據「2008年投信投顧產業形象與基金投資行為調查」顯示全台有36.2%民眾曾投資過基金或達結基金的投資型保單,基金投資已被視為個人理財不可或缺的工具。本研究探討共同基金投資人之顧客知覺價值是否會受到知覺價格、資訊品質、情感性價值、社會性價值及知覺風險的影響,了解共同基金顧客知覺價值對再購意顧及口碑的影響,並探討慣性對共同基金顧客知覺價值與再購意賴、口碑之關係之子干擾效果。經相關文獻之理論探討,建立研究假設,並以曾經向銀行財富管理部門購買過共同基金的投資人-有理專服務為問卷填答對象,回收有效問卷共331份。經由實證分析,本研究之發現如下:一、知覺價格、資訊品質、情感性價值、社會性價值對共同基金之顧客知覺價值均有顯著正向的影響;知覺風險對共同基金顧客知覺價值有顯著負向的影響。二、共同基金之顧客知覺價值對再購意顧與口碑均有顯著正向的影響。三、慣性在知覺價值對於再購意顧之影響關係上,存在負面的干擾效果;慣性對於知覺價值對口碑的影響,並未存在負面的干擾效果。最後,本研究結果針對銀行財富管理部門提出具體建議。
The investors on Funds or linked funds in Taiwan are growing in recent years. Funds investment is deemed the indispensible tool for personal financial investment. This study aimed to analyze whether mutual fund customer perceived values are affected by perceived price, perceived risk, information quality, emotional value, and social value after financial tsunami in 2007. We try to understand the impact with the mutual funds to repurchase intention and word-of-mouth. Furthermore, this research tried to find the relation between customers' perceived value, repurchase intentions and word-of-mouth with the inertia. Based on the empirical analysis, we found that: 1. The perceived price, information quality, emotional value, and social value have significant positive impact on mutual fund customers' perceived value while perceived risk have negative impact. 2. The mutual fund customers' perceived value has positive impact on repurchase intentions and word-of-mouth. 3. Inertia decline the relation between customers' perceived value and repurchase intention, and the interfere effect of inertia between customers' perceived value and word-of-mouth is not remarkable. Finally, some suggestions were made to Wealth Management in Banking Industry according to our research findings.