Nghiên cứu nhân tố ảnh hưởng đến quyết định cho vay đối với khách hàng doanh nghiệp nhỏ và vừa tại các ngân hàng Thương mại tại khu vực Tây Bắc Việt Nam - 26

TCDN_TB

TSTC_TB

LSTD_TB

VXH_TB

MQHNH_T B

QĐ

TCDN_T B

Pearson Correlation

1

-.096

-.142**

.034

.128*

.111*

Sig. (2-tailed)

.070

.007

.519

.016

.037

N

355

355

355

355

355

355

TSTC_TB

Pearson Correlation

-.096

1

.102

.002

.011

.540**

Sig. (2-tailed)

.070

.055

.964

.838

.000

N

355

355

355

355

355

355

LSTD_TB

Pearson Correlation

-.142**

.102

1

-.091

-.128*

.236**

Sig. (2-tailed)

.007

.055

.087

.016

.000

N

355

355

355

355

355

355

VXH_TB

Pearson Correlation

.034

.002

-.091

1

.057

-.015

Sig. (2-tailed)

.519

.964

.087

.280

.783

N

355

355

355

355

355

355

MQHNH_ TB

Pearson Correlation

.128*

.011

-.128*

.057

1

.289**

Sig. (2-tailed)

.016

.838

.016

.280

.000

N

355

355

355

355

355

355

QĐ

Pearson Correlation

.111*

.540**

.236**

-.015

.289**

1

Sig. (2-tailed)

.037

.000

.000

.783

.000

N

355

355

355

355

355

355

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

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

Chi-square

df

Sig.

Step 1

Step

226.493

5

.000

Block

226.493

5

.000

Model

226.493

5

.000

Step

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

1

206.370a

.472

.669

a. Estimation terminated at iteration number 7 because parameter estimates changed by less than .001.

Observed

Predicted

QĐ

Percentage Correct

Từ chối cho vay

Chấp nhận cho vay

Step 1

QĐ

Từ chối cho vay

90

16

84.9

Chấp nhận cho vay

16

233

93.6

Overall Percentage

91.0

a. The cut value is .500

B

S.E.

Wald

df

Sig.

Exp(B)

Step 1a

TCDN_TB

1.067

.270

15.549

1

.000

2.906

TSTC_TB

2.414

.293

67.818

1

.000

11.174

LSTD_TB

1.499

.264

32.339

1

.000

4.479

VXH_TB

-.224

.208

1.155

1

.283

.800

MQHNH_TB

1.759

.270

42.362

1

.000

5.808

Constant

-19.542

2.576

57.557

1

.000

.000

a. Variable(s) entered on step 1: TCDN_TB, TSTC_TB, LSTD_TB, VXH_TB, MQHNH_TB.

Chi-square

df

Sig.

Step 1

Step

225.335

4

.000

Block

225.335

4

.000

Model

225.335

4

.000

Step

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

1

207.528a

.470

.667

a. Estimation terminated at iteration number 7 because parameter estimates changed by less than .001.

Observed

Predicted

QĐ

Percentage Correct

Từ chối cho vay

Chấp nhận cho vay

Step 1

QĐ

Từ chối cho vay

87

19

82.1

Chấp nhận cho vay

16

233

93.6

Overall Percentage

90.1

a. The cut value is .500

B

S.E.

Wald

df

Sig.

Exp(B)

Step 1a

TCDN_TB

1.010

.263

14.802

1

.000

2.746

TSTC_TB

2.386

.290

67.687

1

.000

10.874

LSTD_TB

1.521

.262

33.763

1

.000

4.576

MQHNH_TB

1.739

.268

42.048

1

.000

5.690

Constant

-19.975

2.541

61.791

1

.000

.000

a. Variable(s) entered on step 1: TCDN_TB, TSTC_TB, LSTD_TB, MQHNH_TB.