Bagozzi and Yi,1988) 1

(1)

(2)

479 48.482 48.482

509 51.518 100.000

667 67.510 67.510

321 32.490 100.000

234 23.684 23.684

429 43.421 67.105

81 8.194 75.299

74 7.490 82.789

79 7.996 90.785

91 9.211 100.000

359 36.336 36.336

629 63.664 100.000

(3)

Bagozzi and Yi(1988)

(1) (Preliminary Fit Criteria) (2) (Fit of Internal Structure of Model Criteria (3)

(Overall Model Fit Criteria)

(Preliminary Fit Criteria) ( Bagozzi and Yi,1988) 1.

2.

3. 1

4. 0.500 0.950

5.

( )

4-5 0.435 0.898

( )

t 1.960 0.05 4-5

t 11.463 38.398

( )

1 4-5

0.478 0.797 ( )

(4)

0.500 0.950

0.500 0.950 4-5

0.478 0.797 X3

( )

0.064 0.335 4-5

4-2

1

0.500 0.950 X3 0.500 4-5

(Fit of Internal Structure of Model Criteria)

Bagozzi and Yi (1988)

1. (individual reliability) 0.500

2. (composite reliability) 0.600

3. (average variance extracted) 0.500

4.

(5)

R²

X3(0.435) 0. 500 X5(0.578)

X11(0.583) X15(0.569) X17(0.567) X26(0.511) 4-3

( ) (composite reliability)

16 (0.598)

0.600 4-3

( ) (average variance extracted)

0.601 0.837 0.5

4-3 ( )

t 4-3

( ) (standardized residuals)

+2.580 -2.580

1999 Q-plot 4-1

45 X3(0.298) X5(0.309)

X11(0.262) X15(0.264) X26(0.335) 2.58

(6)

4-3

>0.500 4-5

>0.600 4-5

>0.500 4-5

4-5

< 2.580 4-5

(7)

(Overall Model Fit Criteria)

LISREL NCI (Normed Chi-Square Index) RMSEA (Root Mean Square Error of Approximation) RMR (Root Mean Square Residual) RMSEA (Root Mean Square Error of

Approximation) GFI(Goodness-of-Fit Index) AGFI (Adjusted Goodness-of-Fit Index)

4-4

( ) ²

2 4711.915

p .05

N=988

2

( ) RMSEA RMR

RMSEA

RMSEA 0.050

0.050 0.080

0.080 0.100 0.100

91 RMR

RMR

RMR 0.100 RMSEA RMR

0.0786 0.0610

( )GFI AGFI

(8)

GFI(Bentler,1983) AGFI(Bentler,1983)

GFI AGFI 1

GFI AGFI 0.800

GFI AGFI

0.803 0.763 GFI 0.800 0.900

( )

NFI(Bentler & Bonett,1980) NNFI(Bentler &

Bonett,1980) CFI(Bentler ,1988) NFI NNFI CFI

0.800

NFI NNFI CFI 0.842 0.840

0.861 0.800

(9)

4-4

2 2=4711.915 p

RMSEA 0.050 0.080 RMSEA =0.0786

RMR/SRMR<0.100 =0.0610

GFI>0.800 =0.803

AGFI>0.800 =0.736

Q-plot

>45 45 4-1

NFI>0.800 =0.842

CFI>0.800 =0.861

NNFI>0.800 =0.840

(10)

4-5

T R²

Y1

Y2 **

Y3

Y4 **

Y5

Y6 **

Y7

Y8 **

Y9

Y10 **

Y11

Y12 **

X1 **

X2 **

X3 **

X4 **

X5 **

X6 **

X7 **

X8 **

X9 **

X10 **

X11 **

X12 **

X13 **

X14 **

X15 **

X16 **

X17 **

X18 **

X19 **

X20 **

X21 **

X22 **

X23 **

X24 **

X25 **

X26 **

X27 **

X28 **

(11)

4-2 ( )-1

36=0.521

48=0.085

47=0.612

510=0.067

59=0.756

13=-0.034

24=0.747

35=0.237

.750 .695

.596 .589

.639 .676

.609 .608

63=0.120

.711 .764 .680 .734 .592 .654 .727 .709 .607 .618 .640 .591 .649 .556 .625 .684 .601 .718 .758 .605 .757 .743 .797 .704 .651 .632 .637 .478

X1

X2

X3

X4

X5

X6

X7

X8

X9

X10

X11

X12

X13

X14

X15

X16

X17

X18

X19

X20

X21

X22

X23

X24

X25

X26

X27

X28

Y1 Y2

Y3 Y4

Y5 Y6

Y7 Y8

Y9 Y10

Y12

Y11

4-2

.309 .132 .124 .093 .172 .225 .298 .161

.071 .231 .264 .224 .122 .077 .262 .162

.254 .072 .090 .171 .237 .161 .193 .123

.241 .335 .120 .188

.155 .129 .219

.234

.086 .069

.069

.209

.192

.195

.064 .140

11=0.775 .

12=0.018

61=0.184

.553 .737

.704 .727

62=0.083

64=0.221

65=0.561

(12)

( )-2

BI = 0.184ATT + 0.083SN + 0.120PBC + 0.221CE + 0.561EL R²= ( 4-1)

** ** ** ** **

** p<0.01 R²

59.6%

t 0.01

(ATT) (SN) (PBC)

(CE) (EL)

( )-2

( )-3

( )-4

(13)

ATT = 0.775S-benefits + 0.018 O-benefits + (-0.034risk) R²=0.619( 4-2)

**

p<0.01 R²

(S-benefits)

(O-benefits) (Risk) 61.9 (ATT)

t (S-benefits)

(S-benefits) 0.01

(O-benefits) (Risk)

( )-3 ( )-4

( )-5

SN = SP R²= ( 4-3)

** p<0.01 R²

(14)

(SP) (SN)

55.8 t (SP)

0.01 (SN)

( )-5

( )-6

PBC = 0.237EA + 0.521 EC R²= ( 4-4)

** **

** p<0.01 R²

(EA) (EC)

51 (PBC) t

0.01

(EA) (EC)

( )-6

(15)

( )-7

CE = SE + PL R²= ( 4-5)

** *

** p<0.01

* p<0.05 R²

(SE) (PL)

44.6 (CE) t

0.05 (SE)

(PL) ( )-7

( )-8

(16)

EL = CE + RE R²= ( 4-6)

** *

** p<0.01

* p<0.05 R²

(CE) (RE)

62.3 (EL) t

0.05

(CE) (RE)

( )-8

(17)

( ) 4-6

t df M SD 95

209.851* 987 4.112 .616 4.073-4.150

174.415* 987 3.937 .710 3.892-3.981

178.245* 987 3.906 .689 3.863-3.949

196.031* 987 4.064 .652 4.024-4.105

170.186* 987 3.921 .724 3.875-3.966

152.968* 987 3.774 .776 3.726-3.823

*P<.05

4-6

3.770

(18)

( ) 4-7

T df M SD 95

191.325* 987 3.993 .656 3.952-4.034

149.858* 987 3.620 .759 3.573-3.668

94.943* 987 2.387 .790 2.338-2.436

165.135* 987 3.828 .729 3.783-3.874

192.589* 987 4.039 .659 3.998-4.080

193.788* 987 4.085 .663 4.043-4.126

191.589* 987 4.049 .664 4.007-4.090

168.394* 987 3.904 .729 3.858-3.949

161.437* 987 3.750 .730 3.704-3.795

152.276* 987 3.818 .788 3.769-3.868

*P<.05

4-7

3.620

(19)

( )

4-8

4-9 4-9

( )-1 4-8 4-9

+ .05

+0.098 +0.250

(20)

4-8 (N=988)

(M)

(SD) (n1=479) (n2=509)

M 4.202 4.028

SD .638 .582

M 3.981 3.895

SD .746 .672

M 3.971 3.845

SD .698 .675

M 4.159 3.975

SD .709 .580

M 3.976 3.868

SD .814 .624

M 3.828 3.724

SD .849 .697

4-9

(N=988)

0.098 0.250 0.040 0.212 0.103 0.264 0.017 0.198 0.007 0.201

4-10

(21)

4-11 4-11

( )-2 4-10 4-11

+ .05

+0.014 +0.178

(22)

4-10 (N=988) (M)

(SD) (n1=479) (n2=509)

M 4.042 3.946

SD .696 .614

M 3.683 3.562

SD .783 .733

M 2.415 2.360

SD .834 .747

M 3.834 3.823

SD .736 .723

M 4.067 4.013

SD .681 .638

M 4.089 4.081

SD .678 .649

M 4.116 3.986

SD .684 .639

M 3.932 3.878

SD .806 .648

M 3.800 3.703

SD .756 .702

M 3.866 3.773

SD .744 .826

(23)

4-11

(N=988)

0.014 0.178

0.026 0.215

0.048 0.213

0.006 0.188

( )

4-12

4-12 4-13

( )-3 4-12 4-13

+ .05

+0.029 +.0217

(24)

4-12 (N=988)

(M)

(SD) (n1=667) (n2=321)

M 4.130 4.073

SD .599 .648

M 3.977 3.854

SD .689 .745

M 3.915 3.888

SD .671 .725

M 4.042 4.111

SD .650 .654

M 3.933 3.896

SD .702 .768

M 3.731 3.865

SD .762 .796

4-13

(N=988)

0.029 .217

-0.237 -0.031

4-19

(25)

4-15 4-15

( )-4 4-14 4-15

+ .05

+0.014 +0.189

(26)

4-14 (N=988) (M)

(SD) (n1=667) (n2=321)

M 4.026 3.924

SD .640 .683

M 3.636 3.587

SD .760 .757

M 2.401 2.357

SD .799 .773

M 3.871 3.740

SD .713 .755

M 4.087 3.940

SD .633 .701

M 4.088 4.078

SD .632 .723

M 4.046 4.056

SD .662 .670

M 3.919 3.873

SD .707 .772

M 3.795 3.655

SD .709 .764

M 3.791 3.875

SD .790 .784

(27)

4-15

(N=988)

0.014 0.189 0.033 0.227 0.060 0.235 0.043 0.237

( ) (MANOVA)

4-16 (MANOVA)

4-17 4-17

=.933 df=(6,5,982) p<.05

4-18 4-18

( )-5

4-16 4-18 .159 .05

.061 .256

4-16 4-18

.05

(28)

.05

.05 .05

.05

.05 .05

.05

4-16 (N=988)

(M)

(SD) (n1=234) (n2=429) (n3=81) (n4=74) (n5=79) (n6=91)

M 4.192 4.034 4.185 4.216 4.013 4.209

SD 0.630 0.635 0.573 0.568 0.549 0.568

M 4.036 3.853 4.074 3.946 3.810 4.055

SD 0.785 0.678 0.571 0.680 0.769 0.677

M 4.026 3.796 3.914 3.845 4.095 3.995

SD 0.685 0.710 0.702 0.745 0.532 0.565

M 4.126 4.005 4.173 4.020 4.114 4.082

SD 0.659 0.661 0.593 0.654 0.599 0.668

M 4.039 3.833 4.043 3.939 3.848 3.967

SD 0.746 0.721 0.755 0.712 0.667 0.666

M 3.889 3.716 3.920 3.750 3.734 3.681

SD 0.843 0.763 0.709 0.816 0.702 0.701

(29)

4-17 MANOVA

SSCP df

5 .933*

982

987

*p<.05 *U.05(6,5,982)=1.000

7.002 7.596 4.805 3.235 6.991 4.293

7.596 9.390 5.836 4.454 8.477 5.777

4.805 5.836 12.353 5.696 6.699 4.828

3.235 4.454 5.696 3.741 4.746 4.205

6.991 8.477 6.699 4.746 8.372 6.605

4.293 5.777 4.828 4.205 6.605 7.221

367.389 175.394 149.346 141.163 131.289 164.398 175.394 487.406 201.531 201.813 220.057 188.366 149.346 201.531 455.893 183.531 208.662 209.931 141.163 201.813 183.531 415.428 274.549 240.628 131.289 220.057 208.662 274.549 509.141 321.677 164.398 188.366 209.931 240.628 321.677 586.446

(30)

4-18

(N=988)

.159 .061 .256

.180 .023 .336

.151 .006 .297

.182 .031 .334

.204 .009 .398

.175 .036 .314

.196 .012 .381

.183 .071 .296

.226 .046 .406

.221 .053 .388

.264 .045 .483

.202 .042 .361

.245 .032 .457

.230 .121 .338

.181 .003 .359

.299 .135 .463

.250 .034 .467

.198 .044 .353

.121 .018 .225

.168 .014 .323

.205 .090 .320

.190 .006 .374

.210 .039 .381

.173 .050 .297

.208 .020 .395

.204 .020 .388

.238 .068 .470

(31)

=.845 df=(10,5,982) p<.05

4-21 4-21

( )-6 4-19 4-21

.236 .05

.133 .340

4-19 4-21

.05 .05 .05

.05

.05 .05

(32)

.05 .05

.05

4-19 (N=988)

(M)

(SD) (n1=234) (n2=429) (n3=81) (n4=74) (n5=79) (n6=91) M 4.130 3.894 3.922 4.135 3.949 4.095 SD 0.726 0.638 0.592 0.617 0.658 0.540 M 3.795 3.445 3.648 3.858 3.696 3.714 SD 0.753 0.760 0.784 0.724 0.705 0.650 M 2.457 2.439 2.309 2.365 2.317 2.110 SD 0.880 0.790 0.703 0.915 0.651 0.526 M 3.828 3.752 3.922 3.914 3.810 4.051 SD 0.797 0.721 0.599 0.685 0.769 0.634 M 4.121 3.959 3.963 4.144 4.076 4.158 SD 0.686 0.673 0.738 0.503 0.572 0.582 M 4.182 3.975 4.103 4.243 4.114 4.180 SD 0.629 0.685 0.689 0.585 0.640 0.625 M 4.192 3.953 3.996 4.167 4.013 4.117 SD 0.579 0.707 0.614 0.597 0.689 0.664 M 4.073 3.871 3.786 3.793 3.722 3.978 SD 0.744 0.712 0.735 0.733 0.733 0.679 M 3.775 3.701 3.757 3.730 3.785 3.894 SD 0.802 0.704 0.685 0.748 0.795 0.606 M 3.921 3.776 3.914 3.750 3.785 3.753 SD 0.783 0.802 0.732 0.881 0.654 0.797

(33)

4-20 MANOVA

SSCP df

5 .845*

982

987

*p<.05 *U_.05(10,5,982)=1.000

11.61816.004 -2.088 5.732 8.56510.14010.998 7.627 3.8573.314 16.00425.788 -4.395 9.21812.28916.03515.411 6.682 5.8085.605 -2.088 -4.39510.230-7.966 -3.323 -3.767 -1.168 2.118-4.5192.096 5.732 9.218 -7.966 8.296 5.053 6.594 4.911 1.213 4.395 .363 8.56512.289 -3.323 5.053 7.007 7.873 7.941 4.501 3.6191.496 10.14016.035 -3.767 6.594 7.87310.152 9.612 4.142 3.9733.019 10.99815.411 -1.168 4.911 7.941 9.61210.573 7.542 3.4533.867 7.627 6.682 2.118 1.213 4.501 4.142 7.54212.294 2.2444.339 3.857 5.808 -4.519 4.395 3.619 3.973 3.453 2.244 3.193 .694 3.314 5.605 2.096 .363 1.496 3.019 3.867 4.339 .6944.785

413.110181.006 -35.870161.066178.154140.897 161.011168.811134.835137.080 181.006543.379 81.678155.718148.054 88.555 125.101181.093168.816132.765 -35.870 81.678 606.149 20.735 -32.862 -76.054 -70.536 -21.467 3.898 -80.633 161.066155.718 20.735515.789254.032199.885 201.722209.362220.687174.645 178.154148.054 -32.862254.032421.924268.964 249.501261.217206.838221.029 140.897 88.555 -76.054199.885268.964423.096 280.851237.014193.417218.515 161.011125.101 -70.536201.722249.501280.851 424.951259.105207.202240.748 168.811181.093 -21.467209.362261.217237.014 259.105511.793291.308246.735 134.835168.816 3.898220.687206.838193.417 207.202291.308522.890257.037 137.080132.765 -80.633174.645221.029218.515 240.748246.735257.037608.354

424.728 197.01 -37.958 166.798 186.719 151.037 172.009 176.438 138.692 140.394 197.01 569.167 77.283 164.936 160.343 104.59 140.512 187.775 174.624 138.37 -37.958 77.283 616.379 12.769 -36.185 -79.821 -71.704 -19.349 -0.621 -78.537 166.798 164.936 12.769 524.085 259.085 206.479 206.633 210.575 225.082 175.008 186.719 160.343 -36.185 259.085 428.931 276.837 257.442 265.718 210.457 222.525 151.037 104.59 -79.821 206.479 276.837 433.248 290.463 241.156 197.39 221.534 172.009 140.512 -71.704 206.633 257.442 290.463 435.524 266.647 210.655 244.615 176.438 187.775 -19.349 210.575 265.718 241.156 266.647 524.087 293.552 251.074 138.692 174.624 -0.621 225.082 210.457 197.39 210.655 293.552 526.083 257.731 140.394 138.37 -78.537 175.008 222.525 221.534 244.615 251.074 257.731 613.139

(34)

4-21

(N=988)

.236 .133 .340

.208 .044 .372

.180 .015 .346

.242 .081 .402

.213 .009 .418

.202 .055 .349

.350 .231 .468

.203 .026 .380

.413 .229 .597

.251 .072 .430

.269 .101 .438

.347 .157 .538

.329 .151 .507

.255 .014 .496

.224 .048 .399

.299 .135 .463

.241 .022 .460

.162 .058 .267

.185 .023 .347

.199 .050 .347

.207 .103 .312

.268 .106 .430

.204 .056 .353

.240 .135 .345

.196 .030 .363

.180 .012 .348

.214 .052 .377

.165 .016 .314

.202 .087 .317

.287 .104 .469

.280 .091 .469

.351 .167 .535

.257 .039 .474

.193 .028 .358

.145 .019 .270

(35)

( )

4-22

4-28 4-23

( )-7 4-22 4-23

.05

+0.003 +0.190

(36)

4-22

(N=988)

(M)

(SD)

(n1=359) (n2=629)

M 4.106 4.115

SD 0.599 0.626

M 3.916 3.948

SD 0.711 0.709

M 3.919 3.898

SD 0.629 0.721

M 4.109 4.039

SD 0.602 0.678

M 3.982 3.886

SD 0.683 0.745

M 3.855 3.728

SD 0.684 0.820

4-23

(N=988)

0.003 .190

0.027 .227

(37)

4-25 4-25

( )-8

4-29 4-30

+0.137 .05

(38)

4-24 (N=988)

(M)

(SD)

(n1=359) (n2=629)

M 4.023 3.976

SD 0.634 0.668

M 3.708 3.571

SD 0.745 0.764

M 2.408 2.375

SD 0.722 0.827

M 3.833 3.826

SD 0.723 0.733

M 4.051 4.032

SD 0.605 0.689

M 4.054 4.102

SD 0.619 0.686

M 4.093 4.024

SD 0.622 0.686

M 3.875 3.921

SD 0.705 0.742

M 3.771 3.738

SD 0.682 0.757

M 3.818 3.819

(39)

4-25

(N=988)

(40)

(41)

3.770

(42)

(43)

(44)

(45)

(46)

(47)