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Assessing the impact of social capital on the operations of commercial banks in Ho Chi Minh City - 1


MINISTRY OF EDUCATION AND TRAINING STATE BANK OF VIETNAM


HO CHI MINH CITY BANKING UNIVERSITY

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Assessing the impact of social capital on the operations of commercial banks in Ho Chi Minh City - 1


VU CAM NHUNG


ASSESSING THE IMPACT OF SOCIAL CAPITAL ON THE PERFORMANCE OF COMMERCIAL BANKS IN VIETNAM

HO CHI MINH CITY AREA


DOCTORAL THESIS IN ECONOMICS


MAJORITY: FINANCE - BANKING CODE: 9.34.02.01


SCIENTIFIC INSTRUCTORS: ASSOCIATE PROFESSOR, DR. NGUYEN THI NHUNG DR. HUYNH THANH DIEN


HO CHI MINH CITY – 2018


COMMITMENT


This research topic is a research project conducted by the author himself, has its own independence, not copied from anyone. All content in the topic has not been published anywhere.

All references are cited and clearly cited in the reference list.

I take full responsibility for my commitment.


Ho Chi Minh City, August 20, 2018


Thesis author


VU CAM NHUNG


ACKNOWLEDGEMENTS


This thesis was completed with the guidance, support, comments and encouragement of many supervisors, family, teachers, friends and colleagues throughout the past time. The author would like to sincerely thank:

- My supervisor, Associate Professor, Dr. Nguyen Thi Nhung and my supervisor, Dr. Huynh Thanh Dien, spent a lot of time to guide, instruct and give me advice throughout the thesis.

- At the same time, I would like to sincerely thank the teachers of Banking University of Ho Chi Minh City in general and the Faculty of International Economics in particular, for imparting knowledge and experience during my study and research at the school.

- I would like to thank the management of bank branches in Ho Chi Minh City for supporting me in collecting data and sharing professional experiences to help me complete my thesis.

- I would like to thank my working unit, friends and colleagues for supporting me during my thesis.

- Finally, it is my family, the solid support that allows me to do my thesis.

Thank you very much!


Ho Chi Minh City, August 2018


Thesis author


VU CAM NHUNG


SUMMARY


The thesis studies the impact of social capital on the operations of Vietnamese commercial banks in Ho Chi Minh City on the basis of the first integration between the quality and structure of the external, internal and bank leadership networks. In addition, the thesis also examines for the first time the relationship between social capital and the operations of Vietnamese commercial banks in Ho Chi Minh City. The thesis has achieved the following research results:

Firstly, the thesis has built a scale that ensures content value and reliability, including: the social capital scale is a third-order multi-dimensional scale with second-order components being the social capital of leaders, external social capital, and internal social capital of the bank; The activities of the bank are unidirectional scales, including capital activities, capital use, and service provision.

Second, the thesis also confirmed the positive contributions of social capital to the operations of commercial banks (including the direct and indirect impacts of social capital in banking on the operations of commercial banks through accepting the hypothesis with the standardized regression coefficient accepted at the 1% significance level).

Third, the thesis also points out the positive and negative effects of social capital on the banking industry, thereby providing a basis for suggesting policies to limit the negative effects of social capital on the banking industry.

Fourth, the thesis has an important theoretical contribution in supplementing the characteristics and roles of social capital in the banking industry that previous studies have lacked.

With the results achieved from the empirical model, in terms of academics, the thesis brings new contributions on the basis of filling the research gap through providing empirical evidence on the impact of social capital on the operations of Vietnamese commercial banks in Ho Chi Minh City. In the context of


In the context of Vietnam in particular, the thesis has brought new contributions in terms of approach and contributed empirical evidence affirming the important role of social capital in improving the performance of commercial banks.

Fifth, the thesis has important contributions in terms of policy implications, helping banks identify and measure social capital and use social capital to serve banking activities. At the same time, it suggests macro policies to support banks to promote positive effects and limit negative effects of social capital.


INDEX

COMMITMENT i

ACKNOWLEDGEMENTS ii

SUMMARY iii

CHAPTER 1: INTRODUCTION 1

1.1 Urgency of the topic 1

1.2. Research objectives and research questions 4

1.3. Research objects, scope and methods 4

1.4. Significance of the study 5

1.5 Outline of topic 6

CHAPTER 1 SUMMARY 7

CHAPTER 2: THEORETICAL BASIS AND ANALYTICAL FRAMEWORK ON THE RELATIONSHIP BETWEEN SOCIAL CAPITAL AND COMMERCIAL BANK ACTIVITIES 8

2.1 SUMMARY OF THEORIES OF SOCIAL CAPITAL AND SOCIAL CAPITAL IN BANKING 8

2.1.1 Concept of social capital 8

2.1.2 Previous studies related to the topic: 11

2.1.3 Social capital in banking 17

2.1.3.1 The concept of social capital in banking 17

2.1.3.2 The significance of social capital for banks 19

2.1.3.3 Basic properties of social capital in the operations of commercial banks 21

2.1.4 Basic components of social capital in banking 26

2.1.4.1 Social capital of bank leaders 26

2.1.4.2 Social capital outside banks 30

2.1.4.3 Social capital within banks 36

2.2 BASIC ACTIVITIES OF COMMERCIAL BANKS 41

2.2.1 Capital operations 45

2.2.2 Capital use operations 48

2.2.3 Service provision operations 49

2.3 ANALYTICAL FRAMEWORK OF THE STUDY 50

CHAPTER 2 SUMMARY 52

CHAPTER 3: RESEARCH METHODOLOGY 53

3.1 Research methods 53

3.1.1 Research process 53

3.1.2 Research methods 55

3.2 Method of building and testing the scale 56

3.2.1 Method of building a scale 56

3.2.2 Preliminary assessment method of scale 58

3.2.3 Scale validation method for case study 59

3.3 Hypothesis and research model 59

3.3.1 Method of developing hypotheses and research models 59

3.3.2 Hypothesis testing method and research model for typical case 60

3.4 RESEARCH SAMPLE DESIGN 61

3.4.1 Sample design for preliminary scale construction and evaluation 61

3.4.2 Sample design method for scale testing and theoretical model for case study 61

3.5 BUILDING A SOCIAL CAPITAL SCALE OF BANKS AND ACTIVITIES OF THE VIETNAMESE COMMERCIAL BANKING SYSTEM 62

3.5.1 Building a social capital scale for bank leaders 62

3.5.2 Building a scale to measure social capital outside banks 66

3.5.3 Building a social capital scale within banks 71

3.5.2 Building a scale for measuring the activities of commercial banks 74

3.5.3 Preliminary assessment of the scale 77

3.5.3.1 Reliability coefficient (Cronbach's alpha) 78

3.5.3.2 Exploratory Factor Analysis (EFA) 78

3.6 HYPOTHESES ON THE IMPACT OF SOCIAL CAPITAL ON COMMERCIAL BANK ACTIVITIES 81

3.6.1 On the social capital of bank leaders 81

3.6.2 For the outside society 82

3.6.3 For internal social capital 84

CHAPTER 3 SUMMARY 88

CHAPTER 4: RESEARCH MODEL TESTING AND DISCUSSION 89

4.1 DESCRIPTION OF STUDY SAMPLE 89

4.2 TESTING THE SCALE USING RELIABILITY COEFFICIENTS AND EXPLORATORY FACTOR ANALYSIS 91

4.3 VALIDATION OF THE SCALE BY CONFIRMATORY FACTOR ANALYSIS (CFA) 92

4.3.1 Testing the third-order scales of the concept of social capital 92

4.3.1.1 Testing the social capital scale of bank leaders 92

4.3.1.2 Testing the scale of social capital outside the bank 94

4.3.1.3 Testing the social capital scale within banks 96

4.3.2 General confirmatory factor analysis for social capital scales, activities of commercial banks 99

4.4. TESTING OF COMPREHENSIVE RELIABILITY AND EXTRACTED VARIANCE 101

4.5 DESCRIPTION OF FACTOR CHARACTERISTICS AND REVIEW MODEL REVIEW 102

4.5.1 Characteristic description of social capital 102

4.5.2 Adjustment research model 103

4.6 RESEARCH MODEL TESTING 103

4.6.1 Estimation of research model 103

4.6.2 Testing hypotheses 105

4.7 DISCUSSION OF MODEL RESEARCH RESULTS 106

4.7.1 Social capital of banks affects capital activities of commercial banks ..107

4.7.2 Social capital of banks affects capital use activities of commercial banks 110

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