Xếp hạng tín dụng nội bộ theo phân khúc thị trường tại Ngân hàng Nông nghiệp và Phát triển nông thôn Việt Nam - 28



Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 0 Constant

.916

.171

28.786

1

.000

2.500

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Xếp hạng tín dụng nội bộ theo phân khúc thị trường tại Ngân hàng Nông nghiệp và Phát triển nông thôn Việt Nam - 28

Variables not in the Equation



Score

df

Sig.

Step 0

Variables V24_MH

6.667

1

.010


V25_MH

22.183

1

.000


V27_MH

10.222

1

.001


V28_MH

9.372

1

.002


v29_MH

14.293

1

.000


V30_MH

6.300

1

.012


Overall Statistics

59.597

6

.000


Hàm hồi quy V27

Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

65.087

5

.000


Block

65.087

5

.000


Model

65.087

5

.000

Model Summary


Step

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

1

160.036a

.321

.435

a. Estimation terminated at iteration number 5 because parameter estimates changed by less than

.001.



Classification Tablea


Observed

Predicted

V27_MH

Percentage Correct

0

1

Step 1

V27_M 0

45

21

68.2


H 1

17

85

83.3


Overall Percentage



77.4

a. The cut value is .500



Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 1a

Gioitinh

-.970

.418

5.387

1

.020

.379


Nhomtuoi

.722

.241

8.944

1

.003

2.058


v06

.748

.167

20.045

1

.000

2.112


v12

-1.540

.444

12.016

1

.001

.214


v15.3

-1.203

.419

8.247

1

.004

.300


Constant

-.042

1.067

.002

1

.969

.959

a. Variable(s) entered on step 1: Gioitinh, Nhomtuoi, v06, v12, v15.3.

Classification Tablea,b


Observed

Predicted

V27_MH

Percentage Correct

0

1

Step 0

V27_M 0

0

66

.0


H 1

0

102

100.0


Overall Percentage



60.7

a. Constant is included in the model.

b. The cut value is .500

Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 0 Constant

.435

.158

7.594

1

.006

1.545


Variables not in the Equation


Score

df

Sig.

Step 0 Variables Gioitinh

Nhomtuoi v06

v12 v15.3

Overall Statistics

5.063

12.599

28.895

5.774

12.826

53.692

1

1

1

1

1

5

.024

.000

.000

.016

.000

.000


Hàm hồi quy V28

Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

72.044

5

.000


Block

72.044

5

.000


Model

72.044

5

.000



Model Summary


Step

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

1

74.096a

.352

.538

a. Estimation terminated at iteration number 6 because parameter estimates changed by less than

.001.


Classification Tablea


Observed

Predicted

V28_MH

Percentage Correct

0

1

Step 1

V28_MH 0

1

Overall Percentage

24

13

64.9

6

123

95.3



88.6

a. The cut value is .500


Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 1a

Gioitinh

.944

.517

3.331

1

.068

2.570


v06

-.937

.213

19.376

1

.000

.392


v15

1.067

.261

16.651

1

.000

2.906


v16

-.941

.350

7.218

1

.007

.390


v17

-.732

.218

11.320

1

.001

.481


Constant

6.697

1.750

14.651

1

.000

809.787

a. Variable(s) entered on step 1: Gioitinh, v06, v15, v16, v17.


Classification Tablea,b


Observed

Predicted

V28_MH

Percentage Correct

0

1

Step 0

V28_M 0

0

37

.0


H 1

0

129

100.0


Overall Percentage



77.7

a. Constant is included in the model.

b. The cut value is .500



Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 0 Constant

1.249

.186

44.847

1

.000

3.486


Variables not in the Equation


Score

df

Sig.

Step 0 Variables Gioitinh

v06 v15 v16 v17

Overall Statistics

5.016

27.360

16.080

4.510

12.002

63.684

1

1

1

1

1

5

.025

.000

.000

.034

.001

.000


Hàm hồi quy V29

Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

31.549

4

.000


Block

31.549

4

.000


Model

31.549

4

.000

Model Summary


Step

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

1

32.579a

.173

.540

a. Estimation terminated at iteration number 9 because parameter estimates changed by less than

.001.



Classification Tablea


Observed

Predicted

v29_MH

Percentage Correct

0

1

Step 1

v29_MH 0

1

Overall Percentage

4

4

50.0

2

156

98.7



96.4

a. The cut value is .500



Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 1a

Nhomtuoi

2.347

.832

7.957

1

.005

10.456


v05.3

-4.871

1.965

6.146

1

.013

.008


v14

-1.424

.467

9.289

1

.002

.241


v15

1.634

.609

7.189

1

.007

5.125


Constant

-2.544

2.433

1.093

1

.296

.079

a. Variable(s) entered on step 1: Nhomtuoi, v05.3, v14, v15.

Classification Tablea,b


Observed

Predicted

v29_MH

Percentage Correct

0

1

Step 0

v29_MH 0

1

Overall Percentage

0

8

.0

0

158

100.0



95.2

a. Constant is included in the model.

b. The cut value is .500


Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 0 Constant

2.983

.362

67.763

1

.000

19.750


Variables not in the Equation


Score

df

Sig.

Step 0 Variables Nhomtuoi

v05.3

v14 v15

Overall Statistics

6.235

5.415

7.635

5.013

30.640

1

1

1

1

4

.013

.020

.006

.025

.000


Hàm hồi quy V30


Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

33.613

5

.000


Block

33.613

5

.000


Model

33.613

5

.000



Model Summary


Step

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

1

104.187a

.181

.324

a. Estimation terminated at iteration number 6 because parameter estimates changed by less than

.001.


Classification Tablea


Observed

Predicted

V30_MH

Percentage Correct

0

1

Step 1

V30_MH 0

1

Overall Percentage

8

16

33.3

2

142

98.6



89.3

a. The cut value is .500


Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 1a

v12

-1.257

.509

6.102

1

.014

.285


v14

.490

.231

4.485

1

.034

1.632


v15.2

-1.604

.563

8.104

1

.004

.201


v19

.287

.167

2.947

1

.086

1.332


v23

-1.021

.297

11.789

1

.001

.360


Constant

5.810

1.594

13.280

1

.000

333.553

a. Variable(s) entered on step 1: v12, v14, v15.2, v19, v23.


Classification Tablea,b


Observed

Predicted

V30_MH

Percentage Correct

0

1

Step 0

V30_M 0

0

24

.0


H 1

0

144

100.0


Overall Percentage



85.7

a. Constant is included in the model.

b. The cut value is .500



Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 0 Constant

1.792

.220

66.043

1

.000

6.000


Variables not in the Equation


Score

df

Sig.

Step 0

Variables v12

v14 v15.2

v19 v23

Overall Statistics

9.311

1

.002

3.184

1

.074

7.487

1

.006

2.595

1

.007

7.010

1

.008

33.140

5

.000


Hàm hồi quy VK


Omnibus Tests of Model Coefficients


Chi-square

df

Sig.

Step 1

Step

135.365

7

.000


Block

135.365

7

.000


Model

135.365

7

.000


Model Summary


Step

-2 Log likelihood

Cox & Snell R Square

Nagelkerke R Square

1

51.351a

.553

.825

a. Estimation terminated at iteration number 8 because parameter estimates changed by less than

,001.


Hosmer and Lemeshow Test

Step

Chi-square

df

Sig.

1

12.793

6

.046



Contingency Table for Hosmer and Lemeshow Test


VK_MH = ,00

VK_MH = 1,00


Total

Observed

Expected

Observed

Expected

Step 1

1

14

14.769

1

.231

15


2

15

16.295

3

1.705

18


3

12

7.219

3

7.781

15


4

0

1.990

17

15.010

17


5

0

.411

11

10.589

11


6

0

.283

29

28.717

29


7

0

.029

22

21.971

22


8

0

.004

41

40.996

41


Classification Tablea


Observed

Predicted

VK_MH

Percentage Correct

0

1

Step 1

VK_M 0

35

6

85.4


H 1

4

123

96.9


Overall Percentage



94.0

a. The cut value is ,500


Variables in the Equation


B

S.E.

Wald

df

Sig.

Exp(B)

Step 1a

V24_MH

5.338

1.494

12.767

1

.000

208.178


V25_MH

2.504

.913

7.529

1

.006

12.237


V26_MH

7.420

1.476

25.273

1

.000

1668.413


V27_MH

4.728

1.269

13.875

1

.000

113.063


V28_MH

1.850

.796

5.394

1

.020

6.357


v29_MH

6.873

1.686

16.613

1

.000

965.894


V30_MH

2.583

.971

7.082

1

.008

13.243


Constant

-21.947

4.324

25.757

1

.000

.000

a. Variable(s) entered on step 1: V24_MH, V25_MH, V26_MH, V27_MH, V28_MH, v29_MH, V30_MH.

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