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Description of Survey Subject Proportion in Banks


Reliability of scales in preliminary research (cont.)


Concept

(Cronbach's Alpha coefficient)

Observation variable

Variable-total correlation coefficient

Cronbach's Alpha coefficient if variable is excluded


Risk perception 0.894

RIS25

,315

,897

RIS26

,571

,887

RIS27

,667

,882

RIS28

,560

,887

RIS29

,548

,888

RIS30

,638

,884

RIS31

,709

,881

RIS32

,740

,880

RIS33

,349

,895

RIS34

,535

,888

RIS35

,327

,895

RIS36

,617

,885

RIS37

,520

,889

RIS38

,756

,880

RIS39

,688

,883

Funding Intent

INT47

,675

,820

INT (0.845)

INT48

,748

,750


INT49

,719

,779


Confirmation (0.693)

CONF44

,269

,842

CONF45

,689

,356

CONF46

,693

,408

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Description of Survey Subject Proportion in Banks

3.1.5. Demographic statistics of survey sample

Table 12: Description of the proportion of survey subjects in banks


STT

Bank

Subject 1

Subject 2

Total

add

Cumulative

Quantity

Proportion%

Quantity

Proportion%

1

Agribank Lam Dong

28

16.0%

38

20.8%

66

18.4%

2

Agribank Lam Dong II

10

5.7%

12

6.6%

22

24.6%

3

MB Lam Dong branch

25

14.3%

11

6.0%

36

34.6%

4

VietinBank Lam Dong branch

18

10.3%

14

7.7%

32

43.6%

5

BIDV Da Lat branch

4

2.3%

12

6.6%

16

48.0%

6

BIDV Lam Dong branch

3

1.7%

8

4.4%

11

51.1%

7

ACB Lam Dong branch

9

5.1%

10

5.5%

19

56.4%

8

HDBank Lam Dong branch

9

5.1%

10

5.5%

19

61.7%

9

VCB Lam Dong branch

4

2.3%

9

4.9%

13

65.4%

10

SCB Lam Dong branch

5

2.9%

6

3.3%

11

68.4%

11

DAB Lam Dong branch

7

4.0%

9

4.9%

16

72.9%


12

VIB Lam Dong branch

6

3.4%

9

4.9%

15

77.1%

13

TechcomBank Lam Dong branch

7

4.0%

7

3.8%

14

81.0%

14

PvcomBank Lam Dong branch

8

4.6%

5

2.7%

13

84.6%

15

LienvietPostBank Lam Dong

6

3.4%

4

2.2%

10

87.4%

16

SHB Lam Dong branch

5

2.9%

5

2.7%

10

90.2%

17

VPB Lam Dong branch

6

3.4%

3

1.6%

9

92.7%

18

Maritime Bank Lam Dong branch

6

3.4%

0

0.0%

6

94.4%

19

NAB Lam Dong branch

4

2.3%

3

1.6%

7

96.4%

20

Kien Long Bank Lam Branch

Copper

3

1.7%

3

1.6%

6

98.0%

21

BAB Lam Dong branch

1

0.6%

3

1.6%

4

99.2%

22

EIB Lam Dong branch

1

0.6%

2

1.1%

3

100.0%


Total

175

100%

183

100%

358


In 358 observation samples interviewed from credit officers of 22 banks with 108 branches and transaction offices, the survey results were divided into two groups:

Subject 1: Credit officers of commercial banks who have never executed credit contracts for NNCNC production, including 175 people.

Subject 2: Credit officers of commercial banks who have implemented credit contracts for NNCNC production, including 183 people.

The demographic statistics show that the proportion of male credit officers participating in the survey is 56.9%, higher than that of female credit officers (43.1%). The majority of the credit officers participating in the interview are in the young age group from 26 to 35 years old (7.2%) and 17.3% are between 36 and 45 years old. Nearly half of the employees have less than 5 years of work experience (48.9%). The number of employees who have worked for more than 10 years accounts for only 20% of the total. The majority of employees have a university degree (77.7%) and the rest have a post-graduate degree (19.6%). Regarding job positions, more than half of the employees come from the Personal Customer Department (59.2%) and 21.2% come from the Corporate Customer Department. Of the 358 employees surveyed, 175 had never provided credit to NNCNC customers and 183 had provided credit to NNCNC customers. Of the 183 employees who had provided NNCNC credit, 50.8% had only provided 1 to 4 times, the rest were divided equally between 5 to 10 times and over 10 times.


Table 13. Descriptive statistics of sample characteristics

Characteristic

Frequency

Proportion


Sex

Male

200

55.90%

Female

154

43%

Missing data

4

0.1%


Age

20-25 years old

16

4.50%

26-35 years old

262

73.20%

36-45 years old

62

17.30%

Over 45 years old

18

1.10%


Education level

College

2

0.60%

University

278

77.70%

Above university

70

19.60%


Job position

Corporate Customer Service

76

21.20%

Private customer room

212

59.20%

Customer Relations Department

28

7.80%

Other credit positions

38

10.60%


Work experience

Under 5 years

175

48.90%

From 5-10 years

106

29.60%

Over 10 years

74

20.70%


Number of credit applications

Less than 10 times

40

11.20%

10-20 times

34

9.50%

Over 20 times

277

77.40%


Number of times participating in NNCNC credit granting

Never

175

48.80%

Less than 5 times

93

26%

5-10 times

45

12.60%

Over 10 times

42

11.70%


Statistics on the number of employees in commercial banks show that the distribution of credit staff from banks is uneven. The largest number of employees from five banks: Agribank (including Agribank Lam Dong branch and Agribank Lam Dong II branch), MB Bank, Vietinbank and BIDV accounted for more than half of the observed samples. Regarding the distribution ratio of subjects 1 and 2, that is, the ratio of employees who have never and have ever implemented contracts


The NNCNC credit contracts are quite similar, only 6 employees of MaritimeBank have never granted NNCNC credit.

Appendix 3.2. Survey questionnaire


SURVEY FORM

Dear Sir/Madam,

My name is Dao Dung Tri, currently a PhD student at Ho Chi Minh City Banking University, I am doing the topic "Bank credit for high-tech agriculture in Lam Dong province".

We would appreciate your taking a few moments to complete this survey. Please note that there are no right or wrong answers , all of your responses are valuable to this study.

Thank you very much for your help.

PART 1: GENERAL INFORMATION

1. Gender Mr./Ms.:

□ Male □ Female

2. Your age:

□ Under 25 years old □ From 25 to 35 years old □ From 36 to 45 years old □ Over 45 years old

3. Your educational background

□ College □ University □ Postgraduate

4. Your position:

CEO

Deputy Director

Department heads

Other………………………


5. Your work position:

Corporate customer service

Private customer room

Customer Relations Department

Other…………………

6. Name of the bank you are working for:………………………………………

7. How long have you been working in the banking industry?

□ Under 5 years □ 5-10 years □ Over 10 years

8. How many times have you executed credit contracts?

□ Never □ Less than 10 times □ From 10 – 20 □ More than 20 times

9. How many times have you implemented high-tech agricultural credit contracts?

□ Never □ Less than 10 times □ From 10 – 20 □ More than 20 times PART 2: YOUR ASSESSMENT OF ISSUES RELATED TO HIGH-TECH AGRICULTURAL CREDIT

Please indicate your level of agreement with the following statements by marking (X) in the corresponding boxes.

Choosing number 5 means you completely agree with the statement, and choosing number 1 means you completely disagree with the statement.

You may choose any number in between to indicate your level of agreement.

Totally disagree

Disagree

Moderate

Agree

Totally agree

1

I think it is quite easy to understand and implement the NNCNC credit contract.

easy

1

2

3

4

5

2

I think it won't cost too much to evaluate NNCNC credit applications.

my effort

1

2

3

4

5

3

I can complete the tasks in the NNCNC credit contract easily.

easy

1

2

3

4

5

4

I think it doesn't cost too much to interact with NNCNC credit customers.

much effort

1

2

3

4

5

5

My bank has clear and simple processes in appraising applications.

NNCNC credit profile.

1

2

3

4

5

6

My bank has credit policies specifically for NNCNC credit.

facilitate contract execution.

1

2

3

4

5










7

I think that NNCNC credit contracts are the source of customers that help me achieve

sales targets as quickly as possible.

1

2

3

4

5

8

I think NNCNC credit customers help bring in credit revenue

significant for the bank.

1

2

3

4

5

9

I think NNCNC credit customers are very good credit customers.

my bank's potential

1

2

3

4

5

10

I find that NNCNC credit applications are always approved quickly.

1

2

3

4

5

11

I have noticed that NNCNC credit applications are often approved with credit limits.

equivalent to a loan application.

1

2

3

4

5


12

People important to me think I should focus on the customers.

NNCNC.

1

2

3

4

5

13

People who influence me think I should do contracts.

NNCNC credit.

1

2

3

4

5

14

People whose opinions are valuable to me think I should do the

NNCNC credit contract.

1

2

3

4

5


Please indicate your level of agreement with the following statements by marking (X) in the corresponding boxes.

Choosing number 5 means you completely agree with the statement, and choosing number 1 means you completely disagree with the statement.

You may choose any number in between to indicate your level of agreement.

Totally disagree

Disagree

Moderate

Agree

Totally agree

15

I think the State has issued all necessary policies to promote

high-tech agricultural development

1

2

3

4

5

16

I think the State Bank has issued full credit policies.

for high-tech agriculture

1

2

3

4

5

17

I think Lam Dong province's policies always support agricultural development.

high-tech industry

1

2

3

4

5

18

I think Lam Dong province always focuses on economic restructuring.

high-tech agricultural development direction

1

2

3

4

5

19

I am able to handle NNCNC credit contracts easily.

easy

1

2

3

4

5

20

I have the right to decide when implementing NNCNC credit contracts.

1

2

3

4

5

21

I have full expertise to handle NNCNC credit applications.

1

2

3

4

5

22

I have a lot of experience in executing credit contracts.

1

2

3

4

5




NNCNC






23

I am supported with all the resources necessary for the implementation of the credit contract.

NNCNC.

1

2

3

4

5

24

I have access to the necessary and reliable sources of information to make my assessment.

NNCNC credit records.

1

2

3

4

5

When implementing TDNNCNC contracts, what risks do you worry about?

25

I feel worried when reviewing unsecured loan applications.

1

2

3

4

5

26

I am concerned about the legality of the collateral.

1

2

3

4

5

27

I am concerned about the pricing mechanism and liquidity of the collateral.

1

2

3

4

5

28

I am concerned about the amount of capital I propose to lend.

1

2

3

4

5

29

I am concerned that customer receipts and payments are not being communicated and controlled.

control through the banking system.

1

2

3

4

5

30

I am concerned about the reliability of the financial information customers provide.

1

2

3

4

5

31

I am concerned about the reliability of agricultural financial information when doing due diligence.

file.

1

2

3

4

5


Please indicate your level of agreement with the following statements by marking (X) in the corresponding boxes.

Choosing number 5 means you completely agree with the statement, and choosing number 1 means you completely disagree with the statement.

You may choose any number in between to indicate your level of agreement.

me.

Agree

Disagree

Moderate

Agree

Totally agree

32

I am worried about the investor's ability to stabilize the output of NNCNC products.

1

2

3

4

5

33

I am concerned about the investor's ability to manage the quality of agricultural products.

in accordance with national and international quality standards.

1

2

3

4

5

34

I am concerned about the investor's project management and implementation capacity.

1

2

3

4

5

35

I am concerned about the ethics and compliance with the loan repayment contract of the investor applying for the loan.

capital.

1

2

3

4

5

36

I worry about objective risks such as natural disasters, epidemics...

1

2

3

4

5

37

I am worried about the output revenue of CNC products because of competition from other companies.

other products in the industry.

1

2

3

4

5

38

I am worried about the output market for agricultural products being heavily dependent.

by consumer attitudes towards clean agricultural products.

1

2

3

4

5

39

I am concerned about the lack of risk prevention tools when reviewing loan applications.

high-tech agricultural production capital

1

2

3

4

5



40

I think implementing NNCNC credit contracts is a good idea.

1

2

3

4

5

41

I think we should focus on NNCNC customers.

1

2

3

4

5

42

I think that implementing NNCNC credit contracts will help me complete

into credit indicators

1

2

3

4

5

43

In my opinion, NNCNC credit contracts are for creditworthy customers.

desirable use

1

2

3

4

5

If you have ever executed NNCNC credit contracts before, please continue to comment on statements from question 44 to question 49 and end the survey.

If not , please give your opinion on statements 50, 51 and 52.

44

Previous NNCNC credit contracts that I have participated in during the granting process

credit with bad debt ratio within my desired limit

1

2

3

4

5

45

Economic efficiency of the NNCNC credit contracts that I have implemented before

This is higher than I expected.

1

2

3

4

5

46

Overall, the results of cooperation with previous NNCNC credit customers are good.

more than i expected

1

2

3

4

5


47

I will continue to execute NNCNC credit contracts for customers with

request.

1

2

3

4

5

48

My plan is to focus on NNCNC credit customers more than other customers.

other credit products.

1

2

3

4

5

49

If possible, I will continue to carry out NNCNC credit contracts.

1

2

3

4

5


50

I will focus on implementing NNCNC credit contracts during the working process.

my job

1

2

3

4

5

51

NNCNC credit contracts are credit loan contracts that I will

perform.

1

2

3

4

5

52

I see that I will be performing NNCNC credit contracts during the course of my work.

my job

1

2

3

4

5


EXTENSION

Please provide your comments and recommendations on the limitations and what needs to be changed in the processes and policies to improve and enhance the effectiveness of TDNNCNC:

…………………………………………………………………………………………………

…………………………………………………………………………………………………

…………………………………………………………………………………………………

Thank you very much for your help!

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