7. Duca, J. V. and Rosenthal, S. S., 1993. Borrowing constraints, household debt, and racial discrimination in loan markets. Journal of Financial Intermediation, Vol.3, pp. 77-103.
8. Dunn F. and Kim H., 1999. An empirical investigation of credit card default.
Working Papers, Ohio State University.
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9. Ethridge, V., 1982. Factors related to credit card users on basis of repayment. Home Economics Research Journal, 10(3), 293-299.
10. Howard Tokunaga, 1993. The use and abuse of consumer credit: Application of psychological theory and research. Journal of Economic Psychology, Vol.14, No. 3, pp. 285-316.
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11. Kaynak, E. and Harcar, T., 2001. Consumer’s attitudes and intentions towards credit card usage in an advanced developing country. Journal of Financial Services Marketing, Vol. 6, No.1, pp. 24-39.
12. Lee C., Lin T. and Chen Y., 2011. An empirical analysis of credit card customers overdue risks for medium-and small-sized commercial bank in Taiwan. Journal of Service Science and Management, No. 4th, page 234-241.
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13. Mansfield, P., M. B. Pinto, C. Robb, 2012. Consumers and credit cards: A review of the empirical literature. Journal of Management and Marketing Research No.12, pp. 1-26.
14. Norvilitis, J. M., Osberg, T. M., and Roehling, P. V., 2006. Personality factors, money attitudes, financial knowledge, and credit card debt in college students. Journal of Applied Social Psychology, Vol.36, No.6, pp. 1395-1413.
15. Norvilitis, J. M., Szablicki, P. B., and Wilson, S. D., 2003. Factors influencing levels of credit card debt in college students. Journal of Applied Social Psychology, Vol.33, No.5, pp. 935-947.
16. P.S.Un, 2008. Credit card business in Macao and its credit risk mangerment. Research and Statistics Department, Monetary Authority of Macao.
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17. Piu Banerjee and José J.Canals-Cerda, 2012. Credit risk analysis of credit card portfolios under economic stress conditions. FRB of Philadelphia Working Paper No. 12-18.
18. R. Shenbagavalli, A. R. Shanmugapriya, and Y. L. Chowdary, 2012. Risk analysis of credit card holders. International Journal of Trade, Economics and Finance, Vol. 3, No. 3, June 2012.
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19. Sandra E. Black and Donald P. Morgan, 1998. Risk and the democratization of credit cards. Federal Reserve Bank of New York Research Paper, No: 9815.
20. Theresa M. Wilson, 2008. The effects of Gender, Age, Education, and Risk Tolerance on credit card balances. Department of Finance Miami University, Oxford, Ohio.
21. Venny S.W.Chong and Jason M.S.Lam, 2012. An empirical study of Malaysian young adult’s attitudes towards - Credit card debt: Influence of the personal and bank factors. International Conference on Management, Economic and Finance Proceeding, Malaysia, 15-16 October.
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Website:
1. http:// buh.edu.vn
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2. http://www.creditcards.com
3. http://www.banknetvn.com.vn
4. http://www.vnba.org.vn
5. http://www.vietinbank.vn
PHỤ LỤC
Phụ lục 1: Kết quả hồi quy mô hình 1
B | S.E. | Wald | df | Sig. | Exp(B) | ||
Step 1a | Gender | .224 | 1.177 | .036 | 1 | .849 | 1.250 |
Age | .457 | 1.031 | .197 | 1 | .658 | 1.579 | |
HE | .393 | 1.958 | .040 | 1 | .841 | 1.482 | |
Dependants | .285 | .742 | .147 | 1 | .701 | 1.329 | |
Marital | -2.582 | 1.892 | 1.864 | 1 | .172 | .076 | |
Occupation | -.753 | 2.126 | .125 | 1 | .723 | .471 | |
Collateral | 1.252 | 1.501 | .695 | 1 | .404 | 3.497 | |
Income | 6.470 | 2.338 | 7.655 | 1 | .006 | 645.531 | |
Limit | 6.612 | 2.258 | 8.573 | 1 | .003 | 744.189 | |
PerPay | 7.683 | 2.266 | 11.494 | 1 | .001 | 2171.937 | |
PerUse | 5.809 | 1.448 | 16.100 | 1 | .000 | 333.307 | |
Quantity | -.541 | 1.456 | .138 | 1 | .710 | .582 | |
Cash | -6.659 | 2.608 | 6.518 | 1 | .011 | .001 | |
Payment | .116 | 1.164 | .010 | 1 | .921 | 1.123 | |
Constant | -43.005 | 10.906 | 15.550 | 1 | .000 | .000 |
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Phân Tích Tác Động Biên Của Các Yếu Tố: -
Giải Pháp Vận Dụng Tác Động Các Nhân Tố Nhằm Hạn Chế Rủi Ro Tín Dụng Trong Hoạt Động Kinh Doanh Thẻ Tín Dụng Tại Ngân Hàng Thương Mại Cổ -
Các nhân tố ảnh hưởng đến rủi ro tín dụng trong hoạt động kinh doanh thẻ tín dụng tại Ngân hàng TMCP Công Thương Việt Nam - 12 -
Các nhân tố ảnh hưởng đến rủi ro tín dụng trong hoạt động kinh doanh thẻ tín dụng tại Ngân hàng TMCP Công Thương Việt Nam - 14
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a. Variable(s) entered on step 1: Gender, Age, HE, Dependants, Marital, Occupation, Collateral, Income, Limit, PerPay, PerUse, Quantity, Cash, Payment.
Omnibus Tests of Model Coefficients Model Summary
Step
-2 Log likelihood | Cox & Snell R Square | Nagelkerke R Square | |
1 | 32.697a | .599 | .961 |
Chi- square | df | Sig. | ||
Step 1 | Step | 483.144 | 14 | .000 |
Block | 483.144 | 14 | .000 | |
Model | 483.144 | 14 | .000 | |
a. Estimation terminated at iteration number 12 because parameter estimates changed by less than
.001.
Hosmer and Lemeshow Test
Step
Chi-square | df | Sig. | |
1 | 74.038 | 8 | .000 |
Classification Tablea
Observed | Predicted | ||||
Y | Percentage Correct | ||||
Khong co kha nang tra no | Co kha nang tra no | ||||
Step 1 | Y | Khong co kha nang tra no | 100 | 1 | 99.0 |
Co kha nang tra no | 2 | 426 | 99.5 | ||
Overall Percentage | 99.4 | ||||
a. The cut value is .500
Phụ lục 2: Kết quả hồi quy mô hình 2
B | S.E. | Wald | df | Sig. | Exp(B) | ||
Step 1a | Marital | -1.442 | 1.126 | 1.639 | 1 | .200 | .236 |
Income | 5.467 | 1.273 | 18.432 | 1 | .000 | 236.755 | |
Limit | 6.376 | 1.907 | 11.175 | 1 | .001 | 587.785 | |
PerPay | 7.408 | 1.943 | 14.537 | 1 | .000 | 1648.546 | |
PerUse | 5.393 | 1.225 | 19.371 | 1 | .000 | 219.813 | |
Cash | -6.176 | 2.239 | 7.608 | 1 | .006 | .002 | |
Constant | -38.618 | 7.517 | 26.394 | 1 | .000 | .000 |
a. Variable(s) entered on step 1: Marital, Income, Limit, PerPay, PerUse, Cash.
Omnibus Tests of Model Coefficients
Chi-square | df | Sig. | ||
Step 1 | Step | 481.494 | 6 | .000 |
Block | 481.494 | 6 | .000 | |
Model | 481.494 | 6 | .000 |
Model Summary
Step
-2 Log likelihood | Cox & Snell R Square | Nagelkerke R Square | |
1 | 34.348a | .598 | .959 |
a. Estimation terminated at iteration number 11 because parameter estimates changed by less than .001.
Hosmer and Lemeshow Test
Step
Chi-square | df | Sig. | |
1 | 76.755 | 8 | .000 |
Classification Tablea
Observed | Predicted | ||||
Y | Percentage Correct | ||||
Khong co kha nang tra no | Co kha nang tra no | ||||
Step 1 | Y | Khong co kha nang tra no | 100 | 1 | 99.0 |
Co kha nang tra no | 2 | 426 | 99.5 | ||
Overall Percentage | 99.4 | ||||
a. The cut value is .500
Phụ lục 3: Kết quả hồi quy mô hình 3 (phương pháp Stepwise Backward)
Bước 1 | Bước 2 | Bước 3 | Bước 4 | Bước 5 | Bước 6 | Bước 7 | Bước 8 | Bước 9 | Bước 10 | |||||||||||
B | Sig. | B | Sig. | B | Sig. | B | Sig. | B | Sig. | B | Sig. | B | Sig. | B | Sig. | B | Sig. | B | Sig. | |
Gender | .224 | .849 | .230 | .844 | .236 | .841 | ||||||||||||||
Age | .457 | .658 | .453 | .660 | .439 | .669 | .460 | .652 | .520 | .600 | .535 | .583 | .448 | .643 | ||||||
HE | .393 | .841 | .367 | .850 | ||||||||||||||||
Dependants | .285 | .701 | .278 | .707 | .291 | .693 | .259 | .718 | .204 | .768 | ||||||||||
Marrital | -2.582 | .172 | -2.583 | .171 | -2.562 | .172 | -2.521 | .181 | -2.632 | .163 | -2.471 | .170 | -2.395 | .170 | -1.837 | .130 | -1.442 | .200 | ||
Occupation | -.753 | .723 | -.759 | .721 | -.756 | .720 | -.618 | .756 | ||||||||||||
Collateral | 1.252 | .404 | 1.207 | .397 | 1.210 | .392 | 1.189 | .393 | 1.182 | .398 | 1.086 | .406 | 1.148 | .370 | 1.162 | .361 | ||||
Income | 6.470 | .006 | 6.426 | .005 | 6.433 | .005 | 6.451 | .004 | 6.231 | .002 | 6.177 | .003 | 5.534 | .000 | 5.418 | .000 | 5.467 | .000 | 5.571 | .000 |
Limit | 6.612 | .003 | 6.585 | .003 | 6.496 | .002 | 6.439 | .002 | 6.268 | .001 | 6.464 | .001 | 6.408 | .001 | 6.408 | .000 | 6.376 | .001 | 5.851 | .001 |
PerPay | 7.683 | .001 | 7.683 | .001 | 7.595 | .000 | 7.587 | .000 | 7.452 | .000 | 7.537 | .000 | 7.629 | .000 | 7.633 | .000 | 7.408 | .000 | 7.081 | .000 |
PerUse | 5.809 | .000 | 5.784 | .000 | 5.751 | .000 | 5.748 | .000 | 5.686 | .000 | 5.689 | .000 | 5.746 | .000 | 5.677 | .000 | 5.393 | .000 | 5.306 | .000 |
Quantity | -.541 | .710 | -.512 | .720 | -.507 | .721 | -.515 | .717 | -.670 | .618 | -.658 | .632 | ||||||||
Cash | -6.659 | .011 | -6.627 | .010 | -6.727 | .008 | -6.709 | .008 | -6.531 | .007 | -6.626 | .006 | -6.591 | .006 | -6.626 | .005 | -6.176 | .006 | -5.145 | .008 |
Payment | .116 | .921 | ||||||||||||||||||
Constant | -43.005 | .000 | -42.748 | .000 | -42.108 | .000 | -41.961 | .000 | -40.887 | .000 | -41.161 | .000 | -40.653 | .000 | -39.779 | .000 | -38.618 | .000 | -38.448 | .000 |
Omnibus Tests of Model Coefficients
Chi-square | df | Sig. | ||
Step 10a | Step | -1.671 | 1 | .196 |
Block | 479.823 | 5 | .000 | |
Model | 479.823 | 5 | .000 |
a. A negative Chi-squares value indicates that the Chi-squares value has decreased from the previous step.
Model Summary
Step
-2 Log likelihood | Cox & Snell R Square | Nagelkerke R Square | |
10 | 36.019b | .596 | .957 |
a. Estimation terminated at iteration number 12 because parameter estimates changed by less than .001.
b. Estimation terminated at iteration number 11 because parameter estimates changed by less than .001.
Hosmer and Lemeshow Test
Step
Chi-square | df | Sig. | |
10 | 100.309 | 8 | .000 |
Classification Tablea
Observed | Predicted | ||||
Y | Percentage Correct | ||||
Khong co kha nang tra no | Co kha nang tra no | ||||
Step 10 | Y | Khong co kha nang tra no | 100 | 1 | 99.0 |
Co kha nang tra no | 2 | 426 | 99.5 | ||
Overall Percentage | 99.4 | ||||
a. The cut value is .500
Gender | Age | HE | Dependants | Marrital | Occupation | Collateral | Income | Limit | PerPay | PerUse | Quantity | Cash | Payment | ||
Gender | Correlation | 1 | -.042 | -.063 | .047 | .023 | .157** | .037 | .108* | .041 | .020 | .004 | .191** | .093* | .060 |
Sig. (2-tailed) | .340 | .148 | .278 | .590 | .000 | .397 | .013 | .352 | .643 | .927 | .000 | .032 | .169 | ||
Age | Correlation | -.042 | 1 | -.035 | .270** | .478** | .035 | .022 | .096* | .070 | .091* | -.038 | .083 | -.097* | .005 |
Sig. (2-tailed) | .340 | .422 | .000 | .000 | .420 | .606 | .027 | .106 | .037 | .378 | .057 | .026 | .916 | ||
HE | Correlation | -.063 | -.035 | 1 | -.066 | -.048 | .004 | .077 | .016 | .016 | .067 | -.101* | .041 | -.234** | -.053 |
Sig. (2-tailed) | .148 | .422 | .128 | .273 | .926 | .076 | .719 | .721 | .126 | .020 | .349 | .000 | .228 | ||
Dependants | Correlation | .047 | .270** | -.066 | 1 | .387** | .123** | .009 | .127** | .090* | .026 | .101* | .094* | -.032 | -.057 |
Sig. (2-tailed) | .278 | .000 | .128 | .000 | .005 | .838 | .003 | .038 | .558 | .020 | .031 | .461 | .191 | ||
Marrital | Correlation | .023 | .478** | -.048 | .387** | 1 | -.046 | -.014 | .000 | .026 | .075 | -.077 | -.016 | -.110* | .054 |
Sig. (2-tailed) | .590 | .000 | .273 | .000 | .291 | .756 | .998 | .553 | .086 | .075 | .712 | .011 | .215 | ||
Occupation | Correlation | .157** | .035 | .004 | .123** | -.046 | 1 | .013 | .547** | .525** | .082 | .288** | .591** | -.110* | -.122** |
Sig. (2-tailed) | .000 | .420 | .926 | .005 | .291 | .772 | .000 | .000 | .061 | .000 | .000 | .011 | .005 | ||
Collateral | Correlation | .037 | .022 | .077 | .009 | -.014 | .013 | 1 | -.002 | -.073 | .138** | -.285** | -.020 | .014 | .041 |
Sig. (2-tailed) | .397 | .606 | .076 | .838 | .756 | .772 | .972 | .095 | .001 | .000 | .654 | .756 | .345 | ||
Income | Correlation | .108* | .096* | .016 | .127** | .000 | .547** | -.002 | 1 | .490** | .208** | .364** | .584** | -.084 | -.063 |
Sig. (2-tailed) | .013 | .027 | .719 | .003 | .998 | .000 | .972 | .000 | .000 | .000 | .000 | .054 | .148 | ||
Limit | Correlation | .041 | .070 | .016 | .090* | .026 | .525** | -.073 | .490** | 1 | .240** | .308** | .511** | -.057 | -.014 |
Sig. (2-tailed) | .352 | .106 | .721 | .038 | .553 | .000 | .095 | .000 | .000 | .000 | .000 | .189 | .747 | ||
PerPay | Correlation | .020 | .091* | .067 | .026 | .075 | .082 | .138** | .208** | .240** | 1 | -.237** | .069 | -.067 | .510** |
Sig. (2-tailed) | .643 | .037 | .126 | .558 | .086 | .061 | .001 | .000 | .000 | .000 | .111 | .122 | .000 | ||
PerUse | Correlation | .004 | -.038 | -.101* | .101* | -.077 | .288** | -.285** | .364** | .308** | -.237** | 1 | .306** | -.043 | -.248** |
Sig. (2-tailed) | .927 | .378 | .020 | .020 | .075 | .000 | .000 | .000 | .000 | .000 | .000 | .321 | .000 | ||
Quantity | Correlation | .191** | .083 | .041 | .094* | -.016 | .591** | -.020 | .584** | .511** | .069 | .306** | 1 | -.039 | -.099* |
Sig. (2-tailed) | .000 | .057 | .349 | .031 | .712 | .000 | .654 | .000 | .000 | .111 | .000 | .375 | .023 | ||
Cash | Correlation | .093* | -.097* | -.234** | -.032 | -.110* | -.110* | .014 | -.084 | -.057 | -.067 | -.043 | -.039 | 1 | .010 |
Sig. (2-tailed) | .032 | .026 | .000 | .461 | .011 | .011 | .756 | .054 | .189 | .122 | .321 | .375 | .827 | ||
Payment | Correlation | .060 | .005 | -.053 | -.057 | .054 | -.122** | .041 | -.063 | -.014 | .510** | -.248** | -.099* | .010 | 1 |
Sig. (2-tailed) | .169 | .916 | .228 | .191 | .215 | .005 | .345 | .148 | .747 | .000 | .000 | .023 | .827 |
Statistics
Gioi tinh | Tuoi | Trinh do | So nguoi phu thuoc | Tinh trang hon nhan | Nghe nghiep | Tai san the chap | Thu nhap | Han muc tin dung | Ti le thanh toan | Kha nang su dung the | Gia tri giao dich binh quan | Rut tien mat | Thanh toan dung han | ||
N | Valid | 529 | 529 | 529 | 529 | 529 | 529 | 529 | 529 | 529 | 529 | 529 | 529 | 529 | 529 |
Missing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Mean | .53 | 2.20 | .89 | .95 | .83 | .32 | .52 | 2.58 | 2.08 | 1.99 | 1.88 | 1.64 | .05 | .67 | |
Mode | 1 | 2 | 1 | 1 | 1 | 0 | 1 | 2 | 2 | 1 | 1 | 1 | 0 | 1 | |
Std. Deviation | .499 | .757 | .313 | .910 | .378 | .465 | .500 | .684 | .626 | .961 | .884 | .783 | .228 | .470 | |
Minimum | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | |
Maximum | 1 | 4 | 1 | 5 | 1 | 1 | 1 | 4 | 4 | 4 | 3 | 5 | 1 | 1 | |