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Nghiên cứu các nhân tố ảnh hưởng đến xu hướng sử dụng dịch vụ tiền gửi tiết kiệm của khách hàng cá nhân tại ngân hàng TMCP Đông Á chi nhánh Huế - 17


Cronbach's Alpha

N of Items

.790

3

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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

Cac phuong thuc tra lai phu hop dap ung duoc nhu cau

8.24

1.804

.616

.733

Lai suat Ngan hang hop ly

8.18

1.687

.690

.655

Lai suat Ngan hang co tinh canh tranh

8.60

1.557

.600

.759


Scale:Cá nhân ảnh hưởng


Reliability Statistics


Cronbach's Alpha

N of Items

.814

3


Item-Total Statistics



Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item-Total Correlation

Cronbach's Alpha if Item Deleted

Co nguoi than quen lam viec tai NH

7.11

2.449

.673

.743

Co nhieu nguoi than quen gui tien tai Ngan hang

6.76

2.913

.671

.741

Do co nguoi than quen gioi thieu, khuyen su dung

6.49

2.867

.661

.749


Cronbach's Alpha

N of Items

.729

4


Item-Total Statistics



Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item-Total Correlation

Cronbach's Alpha if Item Deleted

Gio lam viec thuan tien

10.74

3.167

.561

.647

Thu tuc giay to don gia, ro rang, khong phuc tap

10.94

3.003

.579

.633

Ngan hang co nhieu dia diem giao dich

11.28

3.149

.431

.725

Ngan hang co trang thiet bi hien dai

10.86

3.161

.520

.668


Sacle: Xu hướng sử dụng


Reliability Statistics


Cronbach's Alpha

N of Items

.816

3


Item-Total Statistics



Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item-Total Correlation

Cronbach's Alpha if Item Deleted

Tiep tuc su dung dich vu tien gui tiet kiem tai Ngan hang

7.34

1.656

.680

.757

Se tang gia tri khoan tien gui tiet kiem tai Ngan hang

7.61

1.240

.675

.752

Se gioi thieu ban be, nguoi than gui

7.84

1.357

.683

.731


10. Kiểm tra phân phối chuẩn số liệu và hệ số tương quan

Statistics



F1

F2

F3

F4

F5

F6

N

Valid

145

145

145

145

145

145

Missing

0

0

0

0

0

0

Skewness

-.340

-.384

-.867

-.494

-.335

-.339

Std. Error of Skewness

.201

.201

.201

.201

.201

.201

Kurtosis

.420

.014

4.451

.131

.473

1.380

Std. Error of Kurtosis

.400

.400

.400

.400

.400

.400


Correlations



F1

F2

F3

F4

F5

F6

FF

F1

Pearson Correlation

1

.461**

.129

.494**

.270**

.402**

.518**

Sig. (2-tailed)


.000

.122

.000

.001

.000

.000

N

145

145

145

145

145

145

145

F2

Pearson Correlation

.461**

1

.155

.342**

.344**

.438**

.510**

Sig. (2-tailed)

.000


.063

.000

.000

.000

.000

N

145

145

145

145

145

145

145

F3

Pearson Correlation

.129

.155

1

.263**

-.011

.115

.231**

Sig. (2-tailed)

.122

.063


.001

.895

.169

.005

N

145

145

145

145

145

145

145

F4

Pearson Correlation

.494**

.342**

.263**

1

.179*

.445**

.512**

Sig. (2-tailed)

.000

.000

.001


.031

.000

.000

N

145

145

145

145

145

145

145

F5

Pearson Correlation

.270**

.344**

-.011

.179*

1

.328**

.533**

Sig. (2-tailed)

.001

.000

.895

.031


.000

.000

N

145

145

145

145

145

145

145

F6

Pearson Correlation

.402**

.438**

.115

.445**

.328**

1

.503**

Sig. (2-tailed)

.000

.000

.169

.000

.000


.000

N

145

145

145

145

145

145

145

FF

Pearson Correlation

.518**

.510**

.221**

.512**

.533**

.503**

1

Sig. (2-tailed)

.000

.000

.005

.000

.000

.000


N

145

145

145

145

145

145

145

**. Correlation is significant at the 0.01 level (2-tailed).

*. Correlation is significant at the 0.05 level (2-tailed).

11. Phân tích hồi quy


Variables Entered/Removeda

Mod el

Variables Entered

Variables Removed

Method

1

F5

.

Forward (Criterion: Probability-of-F-to- enter <= .050)

2

F4

.

Forward (Criterion: Probability-of-F-to- enter <= .050)

3

F2

.

Forward (Criterion: Probability-of-F-to- enter <= .050)

4

F1

.

Forward (Criterion: Probability-of-F-to- enter <= .050)

5

F6

.

Forward (Criterion: Probability-of-F-to- enter <= .050)

Model Summaryf

a. Dependent Variable: FF



Model


R


R

Square


Adjusted R Square


Std. Error of the Estimate

Change Statistics


Durbin- Watson

R Square Change

F

Change


df1


df2

Sig. F Change

1

2

3

4

5

.533a

.284

.463

.516

.279

.48380

.284

.179

.053

.022

.013

56.658

47.406

15.465

6.803

4.065

1

1

1

1

1

143

142

141

140

139

.000

.000

.000

.010

.046


1.819

.680b

.455

.42038

.718c

.506

.40047

.734d

.539

.525

.39248

.38825

.743e

.552

.536



a. Predictors: (Constant), F5

b. Predictors: (Constant), F5, F4

c. Predictors: (Constant), F5, F4, F2

d. Predictors: (Constant), F5, F4, F2, F1

e. Predictors: (Constant), F5, F4, F2, F1, F6

f. Dependent Variable: FF

ANOVAf


Model

Sum of Squares

df

Mean Square

F

Sig.

1

Regression

13.261

1

13.261

56.658

.000a

Residual

33.471

143

.234



Total

46.733

144




2

Regression

21.639

2

10.819

61.225

.000b

Residual

25.094

142

.177



Total

46.733

144




3

Regression

24.119

3

8.040

50.129

.000c

Residual

22.613

141

.160



Total

46.733

144




4

Regression

25.167

4

6.292

40.845

.000d

Residual

21.565

140

.154



Total

46.733

144




5

Regression

25.780

5

5.156

34.204

.000e

Residual

20.953

139

.151



Total

46.733

144




a. Predictors: (Constant), F5

b. Predictors: (Constant), F5, F4

c. Predictors: (Constant), F5, F4, F2

d. Predictors: (Constant), F5, F4, F2, F1

e. Predictors: (Constant), F5, F4, F2, F1,

F6

f. Dependent Variable: FF

Coefficientsa


Model

Unstandardized Coefficients

Standardized Coefficients

t

Sig.

Collinearity Statistics

B

Std. Error

Beta

Tolerance

VIF

1

(Constant)

2.507

.176


14.23

4

.000



F5

.379

.050

.533

7.527

.000

1.000

1.000

2

(Constant)

1.032

.263


3.923

.000



F5

.324

.044

.455

7.287

.000

.968

1.033

F4

.398

.058

.430

6.885

.000

.968

1.033

3

(Constant)

.634

.270


2.346

.020



F5

.271

.045

.380

6.083

.000

.878

1.139

F4

.329

.058

.356

5.697

.000

.879

1.138

F2

.233

.059

.257

3.933

.000

.801

1.248

4

(Constant)

.247

.304


.813

.418



F5

.257

.044

.362

5.862

.000

.866

1.155

F4

.265

.062

.287

4.293

.000

.740

1.352

F2

.183

.061

.202

2.990

.003

.722

1.385

F1

.211

.081

.186

2.608

.010

.651

1.536

5

(Constant)

.124

.307


.403

.687



F5

.241

.044

.338

5.443

.000

.835

1.197

F4

.229

.064

.247

3.596

.000

.681

1.469

F2

.153

.062

.170

2.465

.015

.682

1.466

F1

.194

.081

.170

2.402

.018

.643

1.555

F6

.141

.070

.140

2.016

.046

.673

1.485


13. Kiểm định giá trị trung bình Xu hướng sửu dụng của khách hàng One-Sample Statistics

12. Kiểm tra phân phối chuẩn của phần dư



N

Mean

Std.

Deviation

Std. Error Mean

FF

145

3.7977

.56968

.04731


One-Sample Test



Test Value = 4


t

df

Sig. (2-

tailed)

Mean Difference

95% Confidence Interval of the Difference

Lower

Upper

FF

-4.276

144

.000

-.20230

-.2958

-.1088

14. Kiểm định sự khác nhau giữa các nhóm khách hàng đối với Xu hướng sử

dụng

Theo Độ tuổi


Test of Homogeneity of Variances


FF




Levene Statistic

df1

df2

Sig.

2.263

3

141

.084


ANOVA

FF



Sum of Squares

df

Mean Square

F

Sig.

Between Groups

.337

3

.112

.341

.796

Within Groups

46.396

141

.329



Total

46.733

144






Homogeneity of Variances

Theo thu nhập


Test of


FF




Levene Statistic

df1

df2

Sig.

.384

3

136

.765


FF

ANOVA




Sum of Squares

df

Mean Square

F

Sig.

Between Groups

4.361

3

1.454

4.950

.003

Within Groups

39.937

136

.294



Total

44.298

139




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