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Phân tích các yếu tố ảnh hưởng đến sự lựa chọn dịch vụ tiền gửi của khách hàng cá nhân tại Chi nhánh Ngân hàng Nông nghiệp và Phát triển Nông thôn huyện Phú Vang – Thừa Thiên Huế - 16


Item-Total Statistics

Reliability Statistics


Cronbach's Alpha

N of Items

.785

4

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Phân tích các yếu tố ảnh hưởng đến sự lựa chọn dịch vụ tiền gửi của khách hàng cá nhân tại Chi nhánh Ngân hàng Nông nghiệp và Phát triển Nông thôn huyện Phú Vang – Thừa Thiên Huế - 16




Scale Mean if Item

Deleted

Scale Variance if

Item Deleted

Corrected Item-Total

Correlation

Cronbach's Alpha if

Item Deleted

muc lai suat tien gui cua agribank phu vang rat hop ly, toi uu, tao muc sinh loi hieu qua

muc lai suat tien gui cua agribank phu vang rat on dinh

agribank phu vang tra lai tien

gui dung ki han


9.39




4.314


4.133

.694

.681

9.11

.716

.666


10.22

5.304

.291

.880


cach tinh lai tien gui cua agribank phu vang rat ro rang,

chinh xac


9.35

4.091

.728

.660


Item-Total Statistics

Reliability Statistics


Cronbach's Alpha

N of Items

.756

3




Scale Mean if Item

Deleted

Scale Variance if

Item Deleted

Corrected Item-Total

Correlation

Cronbach's Alpha if

Item Deleted

toi van tiep tuc su dung dv tien

gui tai agribank phu vang

7.22




2.549

.499

.782

toi se tang gia tri khoan tien

gui tai agribank phu vang


7.01


1.667


.638


.611

toi se gioi thieu ban be, nguoi


7.21



.686


.555

than su dung dv tien gui cua

1.451

agribank phu vang





6. Kiểm định tính phân phối chuẩn

7. Kiểm định mối tương quan giữa các biến

Correlations

yeu to uy tin vai tro tien thuong nguoi anh

loi hieu huong

yeu to nhan

vien

chuong yeu to

trinh lai

khuyen mai suat

xu huong

su dung

yeu to Pearson tien loi Correlation

Sig. (2-tailed) N

uy tin Pearson

thuong Correlation

hieu

Sig. (2-tailed)

Statistics



yeu to tien loi

uy tin thuong hieu

vai tro nguoi anh huong

yeu to nhan vien

chuong trinh khuyen mai

yeu to lai suat

xu huong su dung

N Valid


Missi ng

Mean Median Mode Skewness

Std. Error of Skewness

Kurtosis

Std. Error of Kurtosis

160


0


3.4069

3.5556

3.56

-.539


.192


-.380


.381

160


0


3.5888

3.6000

3.60

.146


.192


-.820


.381

160


0


3.4792

3.6667

4.00

-.210


.192

160


0


3.4021

3.6667

3.67

-.533

160


0


3.2229

160


0


3.1719

160


0


3.5729

3.3333 3.2500

3.33 3.25

3.6667

4.00

-.199

-.030


.192


-.340


.381

-.136


.192


-.968


.381

.192

.192


-.256


-.738


-.241




.381

.381

.381



1

.511**


.000

.562**


.000

.439**


.000

.579**


.000

.627**


.000

.719**


.000

160

160

160

160

160

160

160

.511**


1

.438**

.400**

.624**

.574**

.729**

.000


.000

.000

.000

.000

.000

160

160

160

160

160

160

.562**

.438**


1

.348**

.505**

.541**

.596**

.000

.000


.000

.000

.000

.000

160

160

160

160

160

160

160

.439**

.400**

.348**


1

.375**

.499**

.725**








.000

.000

.000


.000

.000

.000

160

160

160

160

160

160

160

.579**

.624**

.505**

.375**


1

.557**

.683**








.000

.000

.000

.000


.000

.000

160

160

160

160

160

160

160

.627**

.574**

.541**

.499**

.557**


1

.721**








.000

.000

.000

.000

.000


.000

160

160

160

160

160

160

160

.719**

.729**

.596**

.725**

.683**

.721**


1








.000

.000

.000

.000

.000

.000


160

160

160

160

160

160

160

160

N

vai tro Pearson nguoi Correlation anh

huong

yeu to

nhan vien

Sig. (2-tailed) N

Pearson Correlation

Sig. (2-tailed)

N

chuong Pearson trinh Correlation

khuyen Sig. (2-tailed) mai N

yeu to Pearson

lai suat Correlation

Sig. (2-tailed) N

xu huong su

dung

Pearson Correlation

Sig. (2-tailed)

N

**. Correlation is significant

at the 0.01 level (2-tailed).

8. Xây dựng mô hình hồi quy



Model Summaryb

Model

R

R Square

Adjusted R Square

Std. Error of the Estimate

Durbin-Watson

1

.927a

.860

.855

.24733

1.853

a. Predictors: (Constant), yeu to lai suat, yeu to nhan vien, vai tro nguoi anh huong, uy tin thuong hieu, chuong trinh khuyen mai, yeu to tien loi

b. Dependent Variable: xu huong su dung


ANOVAb

Model

Sum of Squares

df

Mean Square

F

Sig.

1

Regression

57.568

6

9.595

156.842

.000a


Residual

9.360

153

.061




Total

66.927

159




a. Predictors: (Constant), yeu to lai suat, yeu to nhan vien, vai tro nguoi anh huong, uy tin thuong hieu, chuong trinh khuyen mai, yeu to tien loi

b. Dependent Variable: xu huong su dung


Coefficientsa

Unstandardized Coefficients

Standardized Coefficients

Collinearity Statistics


Model

B

Std. Error

Beta


t

Sig.

Tolerance

VIF

1 (Constant)

-.309

.137



-2.251

.026












yeu to tien loi

.199

.042


.205

4.705

.000

.481

2.077

uy tin thuong hieu

.237

.035


.280

6.708

.000

.525

1.904

vai tro nguoi anh .104

.042

.096

2.460

.015

.601

1.665

huong

yeu to nhan vien .373 .035 .383 10.686 .000 .713 1.403

chuong trinh khuyen mai


.123 .039 .134 3.116 .002 .492 2.031

yeu to lai suat .096 .038 .114 2.547 .012 .456 2.192

a. Dependent Variable: xu huong su dung

9. Kiểm định mức độ đồng ý của khách hàng về các ý kiến


One-Sample Statistics




N


Mean

Std.

Deviation

Std. Error Mean

agribank la ngan hang hoat dong lau nam

uy tin cua agribank giup toi an tam khi gui tien agribank phu vang bao mat tot thong tin kh

agribank phu vang giai quyet cac khieu nai nhanh chong

agribank phu vang thuc hien cac dich vu nhu cam ket

muc lai suat tien gui cua agribank phu vang rat hop

ly, toi uu, tao muc sinh loi hieu qua

160

160

160


160


160

3.66

3.72

3.41


3.58

1.028

.938

.081

.074

.657

.052

.968

.077




3.58

.068


.066


.068


.069


.070


.074


.059


.056


.065

.067


.069


.062

.858




160

3.30

.830


.865


.868


.885


.934


.744


.713


.822

.849


.869


.781



muc lai suat tien gui cua agribank phu vang rat on

dinh


3.58


3.34


3.41


3.29


3.51


3.58


3.24

3.36


3.08


3.74

160


cach tinh lai tien gui cua agribank phu vang rat ro

rang, chinh xac

160


160


160


160


160


160

160


160


160

agribank co cac diem giao dich rong khap thuan

tien cho viec di lai

khong gian giao dich cua agribank phu vang thoai mai, de chiu

co so vat chat, phuong tien giao dich cua agribank

phu vang tot, hien dai

quy trinh thuc hien giao dich don gian, nhanh,

thuan tien

chi phi giao dich hop ly

cac giao dich duoc thuc hien chinh xac

toi de dang tim kiem thong tin ve dv tien gui cua agribank phu vang tren cac phuong tien truyen thong

dv tien gui agribank phu vang phu hop voi nhu cau

phong phu

160

3.46

.924

.073

nhan vien agribank phu vang rat nhiet tinh, thien

chi, lich su


160


3.22


.752


.059

nhan vien agribank phu vang lam tot cong tac tu

van, giai dap thac mac day du, ro rang


160


3.59


.842


.067

nhan vien agribank phu vang co phong cach lam

viec rat chuyen nghiep


160


3.39


.785


.062

agribank phu vang co chuong trinh cham soc

khach hang vao nhung dip le quan trong

160

3.32

.686

.054




agribank phu vang co nhieu chuong trinh khuyen

mai hap dan

160


.056

3.15

.711



agribank phu vang co nhieu uu dai cho khach hang

160

3.20

.983

.078

nhung nguoi than trong gia dinh mong muon toi

gui tien tai agribank phu vang


3.55

.690

.055

160


ban be, dong nghiep khuyen toi nen gui tien tai

agribank phu vang

160

3.44

.707

.056

nhan vien tu van cua agribank phu vang khuyen

khich toi nen gui tien tai day

160

3.44

.661

.052

toi van tiep tuc su dung dv tien gui tai agribank

phu vang

160

3.50

.572

.045

toi se tang gia tri khoan tien gui tai agribank phu

vang

160

3.71

.850

.067

toi se gioi thieu ban be, nguoi than su dung dv tien

gui cua agribank phu vang

160

3.51

.911

.072

dv tien gui cua agribank phu vang co nhieu ky han

One-Sample Test



Test Value = 4


t


df


Sig. (2-

tailed)


Mean Difference

95% Confidence Interval

of the Difference

Lower

Upper

agribank la ngan hang hoat

dong lau nam

-4.229

159

.000

-.344

-.50

-.18

uy tin cua agribank giup

toi an tam khi gui tien

-3.708

159

.000

-.275

-.42

-.13

agribank phu vang bao

mat tot thong tin kh

-11.435

159

.000

-.594

-.70

-.49

agribank phu vang giai







quyet cac khieu nai nhanh

-5.551

159

.000

-.425

-.58

-.27

chong







agribank phu vang thuc







hien cac dich vu nhu cam

-6.176

159

.000

-.419

-.55

-.28

ket







muc lai suat tien gui cua







agribank phu vang rat hop

ly, toi uu, tao muc sinh loi

-10.665

159

.000

-.700

-.83

-.57

hieu qua







muc lai suat tien gui cua


-6.124






agribank phu vang rat on

159

.000

-.419

-.55

-.28

dinh






cach tinh lai tien gui cua







agribank phu vang rat ro

-9.655

159

.000

-.663

-.80

-.53

rang, chinh xac







agribank co cac diem giao dich rong khap thuan tien cho viec di lai

khong gian giao dich cua agribank phu vang thoai mai, de chiu

co so vat chat, phuong tien giao dich cua agribank phu vang tot, hien dai


-8.484


159


.000


-.594


-.73


-.46


-9.647


159


.000


-.712


-.86


-.57


-8.290


159


.000


-.487


-.60


-.37







dich don gian, nhanh,

-7.424

159

.000

-.419

-.53

-.31

thuan tien







chi phi giao dich hop ly

-11.634

159

.000

-.756

-.88

-.63

cac giao dich duoc thuc hien chinh xac

-9.588

159

.000

-.644

-.78

-.51

toi de dang tim kiem thong







tin ve dv tien gui cua

agribank phu vang tren cac

-13.380

159

.000

-.919

-1.05

-.78

phuong tien truyen thong







dv tien gui agribank phu

vang phu hop voi nhu cau

-4.252

159

.000

-.263

-.38

-.14

dv tien gui cua agribank







phu vang co nhieu ky han

-7.445

159

.000

-.544

-.69

-.40

phong phu







nhan vien agribank phu







vang rat nhiet tinh, thien

-13.037

159

.000

-.775

-.89

-.66

chi, lich su







nhan vien agribank phu


-6.107


159





vang lam tot cong tac tu

van, giai dap thac mac day

.000

-.406

-.54

-.27

du, ro rang





nhan vien agribank phu







vang co phong cach lam

-9.870

159

.000

-.612

-.74

-.49

viec rat chuyen nghiep







agribank phu vang co







chuong trinh cham soc

khach hang vao nhung dip

-12.568

159

.000

-.681

-.79

-.57

le quan trong







agribank phu vang co nhieu chuong trinh khuyen mai hap dan

agribank phu vang co nhieu uu dai cho khach hang

nhung nguoi than trong gia dinh mong muon toi gui tien tai agribank phu vang


-15.120


159


.000


-.850


-.96


-.74


-10.296


159


.000


-.800


-.95


-.65


-8.255


159


.000


-.450


-.56


-.34

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