Mở rộng tín dụng ngân hàng để phát triển bền vững cây công nghiệp dài ngày của các ngân hàng thương mại trên địa bàn tỉnh Bình Dương

-Thang đo năng lực phát triển sản phẩm mới

Reliability Statistics

Cronbach's Alpha

N of Items

.606

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Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
SP1	6.98062	1.926	.493	.392
SP2	7.01938	1.949	.468	.428
SP3	7.21705	2.171	.297	.678

-Thang đo năng lực công nghệ

Reliability Statistics

Cronbach's Alpha

N of Items

.830

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
CN3	15.55814	3.967	.371	.884
CN4	15.68217	3.899	.402	.874
CN1	15.39147	3.741	.837	.752
CN5	15.37209	3.542	.900	.730
CN2	15.37597	3.520	.907	.727

-Thang đo năng lực phát triển mạng lưới

Reliability Statistics

Cronbach's Alpha

N of Items

.743

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
ML1	7.66279	2.255	.644	.580
ML2	7.69380	2.330	.428	.833
ML3	7.77519	2.074	.662	.546

-Thang đo mở rộng tín dụng

Reliability Statistics

Cronbach's Alpha

N of Items

.867

Item-Total Statistics

Scale Mean if Item Deleted	Scale Variance if Item Deleted	Corrected Item- Total Correlation	Cronbach's Alpha if Item Deleted
MR1	8.08	1.398	.760	.802
MR2	8.11	1.475	.766	.796
MR3	8.03	1.536	.716	.841

-Phân tích nhân tố khám phá (EFA)

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.795
Bartlett's Test of Sphericity Approx. Chi-Square	9522.599
df	990
Sig.	.000

Total Variance Explained

Component

Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadings

Total

% of

Variance

Cumulative

Total

% of

Variance

Cumulative

Total

% of

Variance

Cumulative

8.172

18.160

8.172

18.160

6.085

13.523

6.685

14.856

33.015

6.685

14.856

33.015

5.557

12.348

25.871

3.486

7.747

40.763

3.486

7.747

40.763

3.769

8.376

34.247

3.360	7.467	48.230	3.360	7.467	48.230	3.486	7.747	41.994
5	2.576	5.724	53.953	2.576	5.724	53.953	2.914	6.476	48.470
6	2.157	4.793	58.746	2.157	4.793	58.746	2.912	6.471	54.941
7	1.688	3.752	62.498	1.688	3.752	62.498	2.124	4.720	59.661
8	1.549	3.442	65.939	1.549	3.442	65.939	2.067	4.593	64.254
9	1.398	3.107	69.047	1.398	3.107	69.047	1.791	3.980	68.233
10	1.199	2.664	71.711	1.199	2.664	71.711	1.399	3.110	71.343
11	1.068	2.373	74.083	1.068	2.373	74.083	1.233	2.740	74.083
12	.964	2.143	76.226
13	.889	1.975	78.201
14	.801	1.780	79.982
15	.731	1.624	81.605
16	.694	1.543	83.149
17	.623	1.385	84.534
18	.572	1.270	85.804
19	.529	1.176	86.980
20	.474	1.054	88.034
21	.444	.988	89.022
22	.416	.924	89.946
23	.398	.885	90.831
24	.366	.814	91.644
25	.351	.779	92.423
26	.337	.749	93.172
27	.316	.701	93.873
28	.299	.664	94.537
29	.256	.568	95.106
30	.245	.545	95.650
31	.236	.524	96.174
32	.210	.467	96.641
33	.204	.452	97.093
34	.182	.405	97.498
35	.177	.394	97.893
36	.164	.365	98.257
37	.158	.352	98.609
38	.143	.317	98.926

.134	.298	99.225
40	.119	.265	99.489
41	.087	.193	99.683
42	.064	.143	99.826
43	.045	.101	99.927
44	.028	.061	99.988
45	.005	.012	100.000

Extraction Method: Principal Component Analysis.

Rotated Component Matrixa

Component
1	2	3	4	5	6	7	8	9	10	11
MA1	.922
MA3	.890
MA2	.863
MA5	.840
MA4	.829
MA6	.786
DV4	.673
MA7	.589
QT2		.786
QT7		.785
QT5		.759
NL3		.741
NL2		.733
QT4		.730
QT1		.715
QT3		.686
QT6		.610
TC4			.891
TC2			.863
TC1			.821
TC3			.671
NL1			.580
CN5				.941
CN2				.940
CN1				.929
CN4				.553
LS2					.902
LS3					.879
LS4					.863
LS1
DV2						.872

.836
DV5	.759
DV1	.627
ML1		.822
ML3		.805
CN3
TH1			.861
TH3			.804
TH2			.649
SP2				.781
SP1				.760
ML2
DV3					.650
TC5

DV6

Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization.

a. Rotation converged in 8 iterations.

KMO and Bartlett's Test

Kaiser-Meyer-Olkin Measure of Sampling Adequacy.

.734
Bartlett's Test of Sphericity Approx. Chi-Square	375.369
df	3
Sig.	.000

Total Variance Explained

Component

Initial		Eigenvalues	Extraction Sums of Squared Loadings
Total	% of Variance	Cumulative %	Total	% of Variance	Cumulative %
1	2.372	79.081	79.081	2.372	79.081	79.081
2	.354	11.812	90.893
3	.273	9.107	100.000

Extraction Method: Principal Component Analysis.

Component Matrixa

Component

MR2

MR1 MR3

.899

.897

.871

Extraction Method: Principal Component Analysis.

a. 1 components extracted.

PHỤ LỤC 6

KẾT QUẢ PHÂN TÍCH NĂNG LỰC HOẠT ĐỘNG CỦA NGÂN HÀNG THƯƠNG MẠI TẠI BÌNH DƯƠNG ĐỂ MỞ RỘNG TÍN DỤNG PHÁT TRIỂN CÂY CÔNG NGHIỆP DÀI NGÀY

Variables Entered/Removeda

Model

Variables Entered

Variables Removed

Method

REGR factor score 9 for

analysis 1, REGR factor score 8 for

analysis 1, REGR factor score 7 for

analysis 1, REGR factor score 6 for

analysis 1, REGR factor score 5 for

analysis 1, REGR factor score 4 for

analysis 1, REGR factor score 3 for

analysis 1, REGR factor score 2 for

analysis 1, REGR factor score 1 for

analysis 1b

Enter

a. Dependent Variable: REGR factor score 1 for analysis

b. All requested variables entered.

Model Summaryb

Model

Square

Adjusted R

Square

Std. Error

of the Estimate

Change Statistics

Durbin- Watson

Square Change

Change

df1

df2

Sig. F Change

.845a

.714

.703

.54484785

.714

68.637

248

.000

1.871

a. Predictors: (Constant), REGR factor score 9 for analysis 1, REGR factor score 8 for analysis 1, REGR factor score 7 for analysis 1, REGR factor score 6 for analysis 1, REGR factor score 5 for analysis 1, REGR factor score 4 for analysis 1, REGR factor score 3 for analysis 1, REGR factor score 2 for analysis 1, REGR factor score 1 for analysis 1

b. Dependent Variable: REGR factor score 1 for analysis 2

ANOVAa

Model

Sum of Squares	df	Mean Square	F	Sig.
1	Regression	183.379	9	20.375	68.637	.000b
	Residual	73.621	248	.297
	Total	257.000	257

a. Dependent Variable: REGR factor score 1 for analysis 2

b. Predictors: (Constant), REGR factor score 9 for analysis 1, REGR factor score 8 for analysis 1, REGR factor score 7 for analysis 1, REGR factor score 6 for analysis 1, REGR factor score 5 for analysis 1, REGR factor score 4 for analysis 1, REGR factor score 3 for analysis 1, REGR factor score 2 for analysis 1, REGR factor score 1 for analysis 1

Coefficientsa

Model

Unstandardized Coefficients

Standardized Coefficients

Sig.

Correlations

Collinearity Statistics

Std.

Error

Beta

Zero-

order

Partial

Part

Tolerance

VIF

1 (Constant)

REGR

factor score 1 for

analysis 1 REGR

factor score

2 for

analysis 1

-2.652E-

.422

.408

.034

.422

.408

.000

12.426

11.995

1.000

.000

.422

.408

.619

.606

.422

.408

1.000


factor score 3 for	.374	.034	.374	10.990	.000	.374	.572	.374	1.000	1.000
analysis 1
REGR
factor score 4 for	.395	.034	.395	11.618	.000	.395	.594	.395	1.000	1.000
analysis 1
REGR
factor score 5 for	.145	.034	.145	4.258	.000	.145	.261	.145	1.000	1.000
analysis 1
REGR
factor score 6 for	.115	.034	.115	3.393	.001	.115	.211	.115	1.000	1.000
analysis 1
REGR
factor score 7 for	.141	.034	.141	4.146	.000	.141	.255	.141	1.000	1.000
analysis 1
REGR
factor score 8 for	.102	.034	.102	2.988	.003	.102	.186	.102	1.000	1.000
analysis 1
REGR
factor score 9 for	.096	.034	.096	2.819	.005	.096	.176	.096	1.000	1.000
analysis 1

REGR

a. Dependent Variable: REGR factor score 1 for analysis 2

Variables Entered/Removeda

Model

Variables Entered

Variables Removed

Method

REGR factor score 9 for

analysis 1, REGR factor score 8 for

analysis 1, REGR factor score 7 for

analysis 1, REGR factor score 6 for

analysis 1, REGR factor score 5 for

analysis 1, REGR factor score 4 for

analysis 1, REGR factor score 3 for

analysis 1, REGR factor score 2 for

analysis 1, REGR factor score 1 for

analysis 1b

Enter

a. Dependent Variable: resid2

b. All requested variables entered.

Model Summaryb

Model

Square

Adjusted R

Square

Std. Error of the

Estimate

Change Statistics

Durbin- Watson

Square Change

Change

df1

df2

Sig. F Change

.228a

.052

.018

.35580

.052

1.514

248

.143

1.936

b. Dependent Variable: resid2

ANOVAa

Model

Sum of Squares	df	Mean Square	F	Sig.
1	Regression	1.725	9	.192	1.514	.143b
	Residual	31.395	248	.127
	Total	33.121	257

a. Dependent Variable: resid2

Coefficientsa

Model

Unstandardized Coefficients		Standardized Coefficients	t	Sig.	Correlations			Collinearity Statistics
B	Std. Error	Beta	t	Sig.	Zero- order	Partial	Part	Tolerance	VIF
1	(Constant)	.285	.022		12.882	.000
	REGR factor
	score 1 for	.007	.022	.021	.333	.740	.021	.021	.021	1.000	1.000
	analysis 1
	REGR factor
	score 2 for	-.051	.022	-.142	-2.304	.022	-.142	-.145	-.142	1.000	1.000
	analysis 1
	REGR factor
	score 3 for	-.012	.022	-.034	-.547	.585	-.034	-.035	-.034	1.000	1.000
	analysis 1
	REGR factor
	score 4 for	.008	.022	.024	.383	.702	.024	.024	.024	1.000	1.000
	analysis 1
	REGR factor
	score 5 for	.016	.022	.043	.703	.483	.043	.045	.043	1.000	1.000
	analysis 1
	REGR factor
	score 6 for	.013	.022	.035	.573	.567	.035	.036	.035	1.000	1.000
	analysis 1
	REGR factor
	score 7 for	.029	.022	.082	1.324	.187	.082	.084	.082	1.000	1.000
	analysis 1


score 8 for	.039	.022	.109	1.765	.079	.109	.111	.109	1.000	1.000
analysis 1
REGR factor
score 9 for	.032	.022	.089	1.440	.151	.089	.091	.089	1.000	1.000
analysis 1

REGR factor

a. Dependent Variable: resid2

Mô hình Logit

PHỤ LỤC 7 KẾT QUẢ HỒI QUY

Dependent Variable: Y

Method: ML - Binary Logit (Quadratic hill climbing) Date: 03/05/16 Time: 20:16

Sample: 1 311

Included observations: 311 Convergence achieved after 5 iterations

Covariance matrix computed using second derivatives

Variable

Coefficient	Std. Error	z-Statistic	Prob.
C	-11.28157	1.572448	-7.174524	0.0000
DT	0.020021	0.009731	2.057311	0.0397
TN	0.000531	0.003608	0.147233	0.8829
TCH	0.084131	0.025103	3.351457	0.0008
GD	0.707072	0.119944	5.895004	0.0000
GT	-0.232493	0.435258	-0.534149	0.5932
DV	0.018852	0.500318	0.037679	0.9699
SPT	-0.172818	0.252851	-0.683478	0.4943
LS	1.269906	0.484663	2.620185	0.0088
GTC	0.007959	0.002369	3.359006	0.0008
VPCT	-1.115117	0.434575	-2.565996	0.0103
McFadden R-squared	0.588276	Mean dependent var		0.668810
S.D. dependent var	0.471400	S.E. of regression		0.292041
Akaike info criterion	0.593644	Sum squared resid		25.58634
Schwarz criterion	0.725920	Log likelihood		-81.31170
Hannan-Quinn criter.	0.646517	Deviance		162.6234
Restr. deviance	394.9812	Restr. log likelihood		-197.4906
LR statistic	232.3578	Avg. log likelihood		-0.261452
Prob(LR statistic)	0.000000
Obs with Dep=0	103	Total obs		311
Obs with Dep=1	208