부산대학교 도서관

Financial practitioners not only need to have professional knowledge of financial management, but also need to have special character traits. With the trend of digitalization, banks have proposed Bank 3.0 to cope with the change in this trend, and the financial character traits are gradually changing. The purpose of this research is to develop the new 'Financial Character Traits Test' in response to the trend of digital finance. We first invited representatives of the bank's human resources department to conduct expert interview and Delphi technique to reach a consensus, and to formulate a test framework , including Proactive, Careful, Stable and pressure-resistant, Communication and persuasion, Honesty and sincerity, Enthusiastic service, Decisiveness and promptness, Affinity and empathy, Open and gregarious, a total of nine characteristics. The 75 questions were designed and 1,388 valid samples were collected. Finally, 60 questions are reserved for the new Financial Character Traits Test. The data analysis adopted classical test theory and item response theory. The results of confirmatory factor analysis showed that the fit indices (X^2 /df = 4.39、RMSEA = .05、CFI = .92、TLI = .92) was good, and the average factor loading was .68, the composite reliability of the nine-dimensional trait were from .80 to .89, and the average variance extracted were form .41 to .54. The results of the item response theory analysis showed that Infit MnSq were from 0.59 to 1.38, and Outfit MnSq were from 0.53 to 1.42. Most of the items were reasonably fit. Other validity evidence shows that the ideal characteristics of each position identified by financial supervisors were in line with the real characteristics of current financial personnel by more than 60%. It is concluded that the new 'Financial Character Traits Test' developed by this research can be used as a preliminary measurement tool for future financial talents to recognize their own characteristics before taking up employment.