摘 要

本研究著墨於台灣銀行從業人員倫理決策意圖之研究，試圖建立一個整合性架構，並探討個人價值觀、倫理行為態度、倫理氣候、主觀規範、倫理行為控制與倫理決策意圖之關係。

本研究以中、南部之銀行公會之銀行從業人員為調查對象，採便利抽樣方法進行調查，總共寄發問卷300份，取得147份回函，其中有效問卷共141份，問卷回收率為49.00%。最後，本研究採用SPSS 15.0統計分析軟體進行實證，茲使用敘述性統計分析、因素分析、信度分析、效度分析、變異數分析以及複迴歸分析。

本研究主要發現如下：
1. 個人價值觀與倫理行為態度有正向的顯著影響關係。
2. 倫理氣候與主觀規範有正向的顯著影響關係。
3. 倫理氣候與倫理行為控制有正向的顯著影響關係。
4. 倫理行為態度與倫理決策意圖有正向的顯著影響關係。
5. 主觀規範與倫理決策意圖有正向的顯著影響關係。
6. 倫理行為控制與倫理決策意圖有正向的顯著影響關係。

ABSTRACT
This study focuses on the ethical decision-making intentions of the Bank staffs in Taiwan, and the main aim of this study attempts to build an integrated model and to explore the relationships among personal values, the attitude of ethical behavior, ethical climates, subjective norm, the control of ethical behavior, and ethical decision-making intentions. The samples were collected from the bank industries in middle and southern areas, 300 bank staffs were targeted as subjects based on convenience sampling. A total of 147 questionnaires were returned, 141 valid questionnaires, and the return rate was 49.00%. Finally, this study used SPSS as the data analysis tool, descriptive statistics analysis, factor analysis, reliability analysis, validity analysis, and applied regression analysis to prove the hypotheses. The results of this study are as follows:
1. The personal values have a significant positive effect on the attitude of ethical behavior.
2. The ethical climates have a significant positive effect on the subjective norm.
3. The ethical climates have a significant positive effect on the control of ethical behavior.
4. The attitude of ethical behavior has a significant positive effect on the ethical decision-making intentions.
5. The subjective norm has a significant positive effect on the ethical decision-making intentions.
6. The control of ethical behavior has a significant positive effect on the ethical decision-making intentions.

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