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Commercial bank credit for high-tech agriculture in Lam Dong province 1683910919 - 2

Table 4.29 EFA analysis results 122

Table 4.29 (cont.) Results of EFA analysis 123

Table 4.30 Cronbach'Alpha results for new factors 127

Table 4.31 Reliability results of the Subjective Norm scale 129

Table 4.32 Reliability results of the Risk Perception scale 131

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Table 4.33 Convergent validity of the scales 133

Table 4.34 Discriminant validity between scales 134

Commercial bank credit for high-tech agriculture in Lam Dong province 1683910919 - 2

Table 4.35 SEM structural model results 136

Table 4.36 Bootstrap estimation results 137

Table 4.37 Status of factors in the second model 139


LIST OF IMAGES

Figure 2.1 Theory of Planned Behavior (TPB) 38

Figure 2.2 Technology Acceptance Model (TAM) 41

Figure 2.3 Expectancy-Confirmation Theory (ECT) Model 43

Figure 2.4 Lee's (2009) integrated model 45

Figure 2.5 Post-acceptance-Model 46

Figure 2.6 Integrated model of Liao et al. (2007) 48

Figure 2.7 Theoretical research model 51

Figure 3.1 Procedure of the first study 54

Figure 3.2 IPA analysis grid sample 60

Figure 3.3 Second research process 62

Figure 3.4 First research model 63

Figure 3.5 Second research model 65

Figure 4.1 Structure of NNCNC loan sales by commercial bank in Lam Dong 81

Figure 4.2 Proportion of lending revenue to small and medium enterprises of banks in Lam Dong 82

Figure 4.3 Structure of outstanding loans for NNCNC at commercial banks in Lam Dong province 82

Figure 4.4 Proportion of outstanding loans for NNCNC of commercial banks in Lam Dong 83

Figure 4.5 Customers borrowing from small and medium enterprises (SMEs) at commercial banks in Lam Dong province 83

Figure 4.6 Number of customers with outstanding loans for small and medium enterprises at commercial banks in Lam Dong province. 84 Figure 4.7 Bad debts for small and medium enterprises and loans for small and medium enterprises of commercial banks in Lam Dong province. 84

Figure 4.8 Survey on Importance Grid – Credit Service Quality 97

Figure 4.9 CFA results for Subjective Norms scale 109

Figure 4.10 Results of the 110 critical measurement model

Figure 4.11 SEM structural model results 113

Figure 4.12 Results of the first research model 116

Figure 4.13 CFA results for Subjective Norms scale 128

Figure 4.14 CFA results of Risk Perception scale 130

Figure 4.15 Results of the critical measurement model 132

Figure 4.16 Calibrated research model 135

Figure 4.17 SEM linear structural model results 136

Figure 4.18 Results of the second research model 139

Figure 5.1 Deployment diagram of agricultural financial database 161


INDEX

COMMITMENT i

ACKNOWLEDGEMENTS ii

THESIS SUMMARY iii

LIST OF TABLES

LIST OF FIGURES viii

TABLE OF CONTENTS ix

CHAPTER 1: OVERVIEW OF THE RESEARCH 1

1.1. Reasons for choosing topic 1

1.1.1. Research context 1

1.1.2. Overview of related research and scientific gaps 3

1.1.2.1. Foreign studies 3

1.1.2.2. Domestic studies 6

1.1.2.3. General comments on previous studies 11

1.2. Research objectives and research questions 14

1.2.1. Research objectives 14

1.2.2. Research question 14

1.3. Research object and scope 15

1.3.1. Research subjects 15

1.3.2. Scope of research 15

1.4. Research methods and research data 16

1.4.1. Research methods 16

1.4.2. Research data 16

1.5. New points and contributions of the thesis 17

1.5.1. New points 17

1.5.2. Scientific contributions 17

1.5.3. Practical contributions 17

1.6. Structure of the thesis 18

Chapter 1 Conclusion 18

CHAPTER 2: THEORETICAL BASIS 19

2.1. Overview of high-tech agriculture 19

2.1.1. Concepts and characteristics of high-tech agricultural production ... 19

2.1.1.1. Concepts of high-tech agriculture 19

2.1.1.2. Characteristics of high-tech agricultural production 21

2.1.2. Advantages of high-tech agricultural production 22

2.2. Theoretical basis of commercial bank credit 23

2.2.1. Concept of commercial bank credit 23

2.2.2. Classification of bank credit 24

2.2.3. The role of bank credit 26

2.3. Overview of commercial bank credit for high-tech agricultural production 27

2.3.1. Concept of commercial bank credit for high-tech agricultural production 27

2.3.2. Characteristics of commercial bank credit for high-tech agricultural production 27

2.3.3. The role of commercial bank credit in high-tech agricultural production 29

2.3.4. Developing commercial bank credit for high-tech agriculture 31

2.3.4.1. Viewpoints on developing commercial bank credit for high-tech agriculture 31

2.3.4.2. Indicators for evaluating the development of commercial bank credit for high-tech agriculture 31

2.3.4.3. Factors affecting the development of commercial bank credit for high-tech agriculture 35

2.4. Theoretical frameworks on behavior 37

2.4.1. Theory of Planned Behavior (TPB) 37

2.4.2. Theory of Technology Acceptance Model (TAM) 40

2.4.3. Expectancy-Acceptance Theory (ECT) 42

2.4.4. Perceived Risk Theory 44

2.4.5. Integrated models 45

2.4.5.1. Lee's integrated model (2009) 45

2.4.5.2. Bhattacherjee's (2001) integrated model 46

2.4.5.3. Integrated model of Liao et al. (2007) 48

2.5. Evaluation and inheritance of related studies 50

Chapter 2 Conclusion 53

CHAPTER 3: RESEARCH METHODOLOGY 54

3.1. First study design 54

3.1.1. Research process 54

3.1.2. Research methods 55

3.1.2.1. Qualitative research 55

3.1.2.2. Quantitative research 56

3.1.3. Research sample 56

3.1.4. Building the questionnaire 57

3.1.5. Data analysis method 58

3.2. Second study design 62

3.2.1. Research process 62

3.2.2. Research model and hypotheses 63

3.2.2.1. First research model 63

3.2.2.2. Second research model 65

3.2.3. Research design 67

3.2.3.1. Preliminary research 67

3.2.3.2. Official research 68

3.2.4. Research sample 68

3.2.5. Scale 69

3.2.6. Data analysis method 69

3.2.6.1. Descriptive analysis 70

3.2.6.2. Scale reliability analysis 70

3.2.6.3. Exploratory factor analysis EFA 70

3.2.6.4. Confirmatory factor analysis CFA 71

3.2.6.5. Testing the research model 72

Chapter 3 Conclusion 72

CHAPTER 4: RESEARCH RESULTS 73

4.1. Overview of the socio-economic situation and agricultural production in Lam Dong province 73

4.1.1. Natural conditions of Lam Dong province 73

4.1.2. Socio-economic situation of Lam Dong province 74

4.1.3. Current status of high-tech agricultural production in Lam Dong 75

4.1.3.1. Current status of agricultural production in Lam Dong province 75

4.1.3.2. Current status of high-tech agricultural production in Lam Dong 75

4.2. Current status of commercial bank credit development for high-tech agriculture in Lam Dong 77

4.2.1. Overview of the activities of credit institutions in the area 77

4.2.2. Credit capital demand in high-tech agricultural production in Lam Dong province 78

4.2.3. Current status of rural agricultural credit at commercial banks in Lam Dong province 78

4.2.4. Current status of commercial bank credit for high-tech agriculture in Lam Dong province 80

4.2.5. Discussion of the results of analyzing the current status of commercial bank credit for high-tech agriculture in Lam Dong province 85

4.3. Survey results of agricultural production customers on demand and access to credit capital from commercial banks 86

4.3.1. General description of survey sample 86

4.3.2. Survey results of agricultural production customers on demand and access to credit capital from commercial banks 88

4.3.3. Discussion of research results 101

4.3.3.1. From the survey results of the demand for commercial bank credit loans 101

4.3.3.2. On the role of commercial bank credit capital for high-tech agricultural production 102

4.4. Quantitative research results from a survey of credit granting behavior intentions for high-tech agricultural production of commercial banks 103

4.4.1. Results of the first model study 103

4.4.1.1. Results of Cronbach's Alpha reliability analysis 103

4.4.1.2. Results of exploratory factor analysis EFA 105

4.4.1.3. Cronbach'Alpha reliability test results for new factor 108

4.4.1.4. CFA analysis results 108

4.4.1.5. Critical measurement model results 110

4.4.1.6. SEM 112 Linear Structural Model

4.4.1.7. Estimating theoretical models using Bootstrap 114

4.4.1.8. Discussion of research results of the first model 114

4.4.2. Results of the second model study 119

4.4.2.1. Cronbach's Alpha reliability analysis results 119

4.4.2.2. Results of exploratory factor analysis EFA 121

4.4.2.3. Cronbach'Alpha test for new factors 126

4.4.2.4. CFA results for multidimensional scales 128

4.4.2.5. Measurement model results 131

4.4.2.6. Calibration research model 134

4.4.2.7. SEM 135 linear structural model

4.4.2.8. Estimating theoretical models using Bootstrap 137

4.4.2.9. Discussion of research results of the second model 138

Chapter 4 Conclusion 144

CHAPTER 5: CONCLUSION AND SOLUTIONS, RECOMMENDATIONS 145

5.1. Evaluation of achievements, limitations and causes affecting credit for high-tech agricultural production in Lam Dong province 145

5.1.1. Achievements and limitations in credit granting activities for high-tech agriculture 145

5.1.1.1. Achievements in credit activities for high-tech agriculture 145

5.1.1.2. Limitations in credit granting activities for high-tech agriculture 145

5.1.2. Causes of limitations in developing high-tech agricultural credit 146

5.2. Proposing solutions and recommendations for developing commercial bank credit for high-tech agricultural production 152

5.2.1. Solutions for commercial bank branches in Lam Dong province 152

5.2.2. Recommendations to relevant ministries, branches and Lam Dong Provincial People's Committee155

5.2.2.1. For relevant ministries and branches 155

5.2.2.2. For Lam Dong Provincial People's Committee 158

5.3. Conclusion and future research directions 164

REFERENCES i

APPENDIX xi

Appendix 1. Documents related to rural agricultural support policies

Appendix 2. Qualitative research results and household and enterprise survey tables xiv

Appendix 2.1. Qualitative research content xiv

Appendix 2.2. Farm household survey form xvii

Appendix 2.3. Enterprise and cooperative questionnaire xxxv

Appendix 3. Qualitative and quantitative research results in the study of credit officer behavioral intentions .......................................................................................................... xlvi

Appendix 3.1. Preliminary research results ............................................................................ xlvi

3.1.1. Calibration results and scale additions .......................................................... xlvii

3.1.2. Qualitative research results .............................................................................. lix

3.1.3. Summary of measured variables ................................................................................. lx

3.1.4. Quantitative research results.......................................................................... lxiii

3.1.5. Demographic statistics of survey sample ............................................................... lxv

Appendix 3.2. Survey questionnaire..........................................................................................lxviii

Appendix 3.3. List of surveyed commercial banks ......................................lxvi Appendix 3.4. Results of the first model.................................................................lxvii

3.4.1. Cronbach'Alpha analysis results ..................................................................lxvii

3.4.2. EFA factor analysis results.......................................................................... lxxi

3.4.3. Test for normal distribution ..............................................................................lxxiv

3.4.4. CFA test results ...................................................................................lxxvi

3.4.5 SEM linear structural model results ..................................................... lxxxiii

Appendix 3.5. Results of testing the second model....................................................... xcii

3.5.1. Cronbach'Alpha analysis results ................................................................. xcii

3.5.2. EFA factor analysis results...................................................................... xcviii

3.5.3. Test for normal distribution ................................................................................ cii

3.5.4. CFA test results ...................................................................................... ciii

3.5.5. SEM linear structural model results ........................................................ cxi

LIST OF PUBLISHED SCIENTIFIC WORKS .............................. cxxi

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