Trang chủ / Tín Dụng

Kiểm Định Độ Tin Cậy Của Thang Đo Và Hệ Số Tương Quan Biến Tổng Của Các Nhân Tố


CLTD_3

Chất lượng tín dụng gắn liền với tăng trưởng tín dụng

4,20

CLTD_4

Ngân hàng thường xuyên đánh giá chất lượng tín dụng

3,00


CLTD_5

Ngân hàng đảm bảo các nội dung về chất lượng tín dụng: Xây dựng chính sách tín dụng, xây dựng quy trình tín dụng, hoàn thiện cơ cấu tổ chức bộ máy quản

lý hoạt động tín dụng.


3,50

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Nâng cao chất lượng tín dụng đối với ngành công nghiệp hỗ trợ tại các ngân hàng thương mại Việt Nam - 24


6.2. KIỂM ĐỊNH ĐỘ TIN CẬY CỦA THANG ĐO VÀ HỆ SỐ TƯƠNG QUAN BIẾN TỔNG CỦA CÁC NHÂN TỐ

- NHÂN TỐ CSTD:

Reliability Statistics

Cronbach's Alpha

N of Items

.721

5


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

CSTD1

13.43

10.577

.462

.744

CSTD2

13.22

10.049

.441

.703

CSTD3

13.38

10.857

.507

.727

CSTD4

13.47

10.568

.466

.740

CSTD5

13.28

10.126

.443

.813


- NHÂN TỐ QTTD:

Reliability Statistics

Cronbach's Alpha

N of Items

.632

3


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

QTTD1

6.69

2.369

.513

.514

QTTD3

6.80

2.364

.412

.515

QTTD4

6.64

2.657

.325

.766


- NHÂN TỐ QLRR:

Reliability Statistics

Cronbach's Alpha

N of Items

.632

5


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

QLRR1

12.43

9.477

.388

.744

QLRR2

12.22

9.015

.453

.703

QLRR4

12.46

8.568

.434

.740

QLRR5

12.43

9.126

.462

.813


- NHÂN TỐ TTKH:

Reliability Statistics

Cronbach's Alpha


N of Items

.770

4


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

TTKH1

10.22

5.422

.341

.760

TTKH2

10.28

4.845

.619

.586

TTKH3

10.18

4.854

.568

.615


- NHÂN TỐ KHCN:

Reliability Statistics

Cronbach's Alpha


N of Items

.654

5

Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

KHCN1

12.43

6.123

.348

.714

KHCN2

12.22

6.432

.681

.713

KHCN3

12.35

5.921

.614

.772

KHCN4

12.46

6.234

.593

.705

KHCN5

12.43

6.361

.417

.821


- NHÂN TỐ KNQL:

Reliability Statistics

Cronbach's Alpha


N of Items

.656

4


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

KNQL2

9.345

7.213

.319

.670

KNQL3

9.217

7.324

.411

.616

KNQL4

9.284

7.814

.352

.651

KNQL5

9.281

7.319

.323

.635


- NHÂN TỐ NLTC:

Reliability Statistics

Cronbach's Alpha


N of Items

.614

5


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

NLTC1

11.324

5.223

.678

.714

NLTC2

11.679

5.432

.571

.713

NLTC3

11.923

5.251

.416

.772

NLTC4

11.437

5.354

.394

.705

NLTC5

11.368

5.351

.349

.821


- NHÂN TỐ PAKD:

Reliability Statistics

Cronbach's Alpha


N of Items

.611

5


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

PAKD1

7.234

5.427

.448

.614

PAKD2

7.126

5.428

.487

.631

PAKD3

7.347

5.297

.578

.727

PAKD4

7.618

5.356

.568

.734

PAKD5

7.932

5.211

.609

.816


- NHÂN TỐ CSPT:

Reliability Statistics

Cronbach's Alpha


N of Items

.712

5


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

CSPT1

8.214

4.314

.413

.621

CSPT2

8.216

4.657

.528

.675

CSPT3

7.335

4.587

.485

.738

CSPT4

7.215

4.326

.473

.653

CSPT5

7.287

4.128

.607

.727


- NHÂN TỐ TĐQG

Reliability Statistics

Cronbach's Alpha


N of Items

.773

5


Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

TDQG1

7.254

5.324

.624

.729

TDQG2

8.437

5.329

.502

.683

TDQG3

7.216

5.476

.325

.725

TDQG4

7.389

5.468

.585

.681

TDQG5

7.785

5.479

.712

.615


6.3. MA TRẬN RÚT TRÍCH NHÂN TỐ

Rotated Component Matrixa



Component

1

2

3

4

5

6

7

8

9

10

CLKN1

.802










CLKN2

.780

CLKN3

.767

CLKN5

.734


TĐQG4

.668

TĐQG5

.658

TĐQG1

.650

QLRR3

.802

QLRR2

.730

QLRR1

.686

QLRR4

.673

QLRR5

.663

NLTC1

.774

NLTC2

.692

NLTC3

.663

NLTC5

.637

NLTC4

.612

CSTD1

.676

CSTD2

.668

CSTD3

.600

CSTD4

.599

KHCN1

.719

KHCN5

.629

KHCN3

.601

KHCN4

.509

CSPT2

.829

CSPT4

.639

CSPT5

.615

CSPT3

.523

QTTD1

.716

QTTD3

.682

QTTD4

.656

KNQL1

.845

KNQL3

.818

KNQL2

.613

TTKH1

.674

TTKH2

.534

TTKH3

.486


PAKD1

PAKD5










.812

.728

PAKD3

.615

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

a. Rotation converged in 14 iterations.

Kaiser-Meyer-Olkin Measure of

Sampling Adequacy.

.871

Bartlett's Test of Sphericity

Approx. Chi-Square

7219.925

df

210

Sig.

.000

6.4. KẾT QUẢ CÁC KIỂM ĐỊNH TRONG RÚT TRÍCH NHÂN TỐ KMO and Bartlett's Test


Total Variance Explained


Compone nt


Initial Eigenvalues

Extraction Sums of Squared Loadings

Rotation Sums of Squared Loadings


Total

% of Variance

Cumulative

%


Total

% of Variance

Cumulative

%


Total

% of Variance

Cumulative

%

1

10.209

23.201

23.201

10.209

23.201

23.201

3.709

10.905

10.905

2

3.568

8.108

31.310

3.568

8.108

31.310

3.272

7.516

18.421

3

2.287

5.197

36.507

2.287

5.197

36.507

2.466

6.372

24.794

4

2.047

4.653

41.160

2.047

4.653

41.160

2.283

5.788

30.582

5

1.669

3.792

44.952

1.669

3.792

44.952

2.273

5.328

35.910

6

1.351

3.071

48.023

1.351

3.071

48.023

2.145

5.298

41.208

7

1.301

2.958

50.981

1.301

2.958

50.981

1.982

5.265

46.472

8

1.234

2.803

53.784

1.234

2.803

53.784

1.653

4.911

51.383

9

1.119

2.543

56.327

1.119

2.543

56.327

1.532

4.030

55.413

10

1.032

2.346

58.674

1.032

2.346

58.674

1.328

2.947

58.360

11

.913

2.075

63.031







12

.896

2.036

65.067







13

.825

1.875

66.942







14

.807

1.834

68.776







15

.748

1.701

70.477







16

.741

1.684

72.161







17

.720

1.637

73.797








18

.698

1.587

75.384







19

.666

1.514

76.899

20

.620

1.409

78.308

21

.606

1.376

79.685

22

.592

1.346

81.030

23

.580

1.319

82.350

24

.537

1.219

83.569

25

.533

1.211

84.781

26

.512

1.163

85.944

27

.483

1.098

87.042

28

.463

1.052

88.093

29

.459

1.043

89.136

30

.446

1.014

90.150

31

.428

.974

91.124

32

.417

.947

92.071

33

.407

.926

92.997

34

.388

.881

93.878

35

.363

.825

94.702

36

.347

.789

95.491

37

.335

.761

96.252

38

.310

.705

96.958

39

.292

.663

97.621

40

.282

.640

98.261

41

.276

.626

98.888

42

.256

.581

99.469

43

.233

.531

100.000

Extraction Method: Principal Component Analysis.


6.5. KIỂM ĐỊNH ĐỘ TIN CẬY CỦA THANG ĐO SAU KHI RÚT TRÍCH NHÂN TỐ

- NHÂN TỐ CLKN & TĐQG

Reliability Statistics

Cronbach's Alpha

N of Items

.855

7

Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

CLKN1

21.38

14.275

.456

.703

CLKN2

21.35

14.120

.561

.679

CLKN3

21.85

13.764

.578

.673

CLKN5

22.61

15.581

.364

.723

TDQG1

22.14

14.580

.438

.707


TDQG4

22.06

14.845

.400

.716

TDQG5

22.27

15.324

.353

.726


- NHÂN TỐ F2: QLRR

Reliability Statistics

Cronbach's Alpha

N of Items

.823

5

Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

QLRR1

13.40

9.682

.585

.797

QLRR2

13.19

9.197

.712

.759

QLRR3

13.35

9.903

.671

.774

QLRR4

13.44

9.675

.597

.793

QLRR5

13.28

10.126

.528

.813


- NHÂN TỐ F3: NLTC

Reliability Statistics

Cronbach's Alpha

N of Items

.717

5

Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

NLTC1

12.40

8.622

.341

.697

NLTC2

12.29

8.201

.619

.559

NLTC3

12.34

9.903

.568

.734

NLTC4

12.45

9.675

.522

.783

NLTC5

12.28

9.126

.543

.821


- NHÂN TỐ F4: CSTD


Reliability Statistics

Cronbach's Alpha

N of Items

.697

4

Item-Total Statistics


Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Cronbach's Alpha if Item Deleted

CSTD1

10.27

5.422

.584

.760

CSTD2

10.25

5.845

.584

.586

CSTD3

10.29

5.274

.385

.615

CSTD4

10.21

5.311

.436

.647

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