Các nhân tố ảnh hưởng đến quyết định vay vốn ngắn hạn của khách hàng bán lẻ tại Ngân hàng TMCP Ngoại Thương Việt Nam chi nhánh Cần Thơ - 9


Rotated Component Matrixa



Component

1

2

3

4

5

CSTD1





,881

CSTD2





,720

CSTD3





,815

GVV1


,879




GVV2


,871




GVV3


,830




CLDV1



,856



CLDV2



,888



CLDV3



,831



HADT1

,834





HADT2

,671





HADT3

,818





HADT4

,749





KTT1




,839


KTT2




,834


KTT3




,767


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Các nhân tố ảnh hưởng đến quyết định vay vốn ngắn hạn của khách hàng bán lẻ tại Ngân hàng TMCP Ngoại Thương Việt Nam chi nhánh Cần Thơ - 9

Extraction Method: Principal Component Analy sis. Rotation Method: Varimax wit h Kaiser Normalization.

a. Rotation conv erged in 5 iterations.



Component Score Coefficient Matrix



Component

1

2

3

4

5

CSTD1

-,005

,020

,020

,046

,438

CSTD2

,003

,042

,004

,029

,360

CSTD3

-,018

,003

-,036

,025

,400

GVV1

,007

,382

-,011

-,041

-,005

GVV2

-,005

,380

,005

-,007

,044

GVV3

,015

,364

-,008

-,036

,026

CLDV1

,036

,006

,383

-,041

,022

CLDV2

-,005

-,005

,395

,010

-,025

CLDV3

,007

-,015

,370

,002

-,009

HADT1

,414

,012

,035

-,205

-,066

HADT2

,281

-,074

-,026

-,049

-,013

HADT3

,377

,061

,054

-,125

,067

HADT4

,278

,017

-,031

,021

-,005

KTT1

-,049

,012

-,021

,411

,060

KTT2

-,178

,009

,000

,462

-,043

KTT3

-,070

-,089

,001

,402

,056

Extraction Method: Principal Component Analy sis. Rotation Method: Varimax wit h Kaiser Normalization.


PHÂN TÍCH NHÂN TỐ BIẾN PHỤ THUỘC


KMO and Bartlett's Test


Kaiser-Mey er-Olkin Measure of Sampling


Adequacy .

,800

Bart let t's Test of Approx. Chi-Square

260,865

Sphericity df

6

Sig.

,000


Communalities



Initial

Extraction

QDCL1

1,000

,721

QDCL2

1,000

,747

QDCL3

1,000

,594

QDCL4

1,000

,707

Extraction Method: Principal Component Analy sis.



Total Variance Explained



Component

Initial

Eigenv alues

Extract ion Sums of Squared Loadings

Total

% of Variance

Cumulat iv e %

Total

% of Variance

Cumulat iv e %

1

2,769

69,216

69,216

2,769

69,216

69,216

2

,551

13,765

82,981




3

,369

9,235

92,216




4

,311

7,784

100,000




Extract ion Method: Principal Component Analy sis.


Component Matri xa



Compone nt

1

QDCL1

,849

QDCL2

,864

QDCL3

,770

QDCL4

,841

Extraction Method: Principal Component Analy sis.

a. 1 components extract ed.



Component Score Coeffi cient Matrix



Compone nt

1

QDCL1

,307

QDCL2

,312

QDCL3

,278

QDCL4

,304

Extraction Method: Principal Component Analy sis. Rotation Met hod: Varimax with Kaiser Normalization.


PHỤ LỤC 3: MÔ HÌNH HỒI QUY TUYẾN TÍNH BỘI

Regression


Variables Entered/Removeda


Model

Variables Entered

Variables

Removed

Method

1

X5, X4, X2, X3, X1b

.

Enter

a. Dependent Variable: YQD

b. All requested variables entered.



Model Summary



Model


R


R Square


Adjusted R Square


Std. Error of the Estimate


Change Statistics

R Square Change


F Change


df1


df2


Sig. F Change

1

,778a

,606

,592

,39348

,606

45,160

5

147

,000

a. Predictors: (Constant), X5, X4, X2, X3, X1


ANOVAa


Model

Sum of Squares

df

Mean Square

F

Sig.


Regression

34.961

5

6.992

45.160

.000b

1

Residual

22.760

147

.155




Total

57.721

152




a. Dependent Variable: YQD

b. Predictors: (Constant), X5, X4, X2, X3, X1


ANOVAa


Model

Sum of Squares

df

Mean Square

F

Sig.


Regression

34.961

5

6.992

45.160

.000b

1

Residual

22.760

147

.155




Total

57.721

152




a. Dependent Variable: YQD

b. Predictors: (Constant), X5, X4, X2, X3, X1


Coefficientsa


Model

Unstandardized

Coefficients

Standardized

Coefficients

t

Sig.

Collinearity Statistics

B

Std. Error

Beta

Tolerance

VIF


(Constant)

-.503

.336


-1.497

.137




X1

.521

.066

.502

7.932

.000

.671

1.490


1

X2

.254

.043

.317

5.940

.000

.943

1.060


X3

.102

.052

.105

1.961

.052

.943

1.060


X4

.115

.049

.123

2.329

.021

.956

1.047


X5

.167

.057

.178

2.923

.004

.722

1.384

a. Dependent Variable: YQD

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