Header Page of 166 Bộ GIáO DụC Và ĐàO TạO Trờng đại học kinh tế quốc dân - - NGUYễN THị BíCH VƯợNG CHT LNG THM NH TI CHNH D N U T TRONG HOT NG CHO VAY TI CC NGN HNG THNG MI VIT NAM (LY THC T T NGN HNG THNG MI C PHN CễNG THNG VIT NAM) Hà Nội 2016 Footer Page of 166 Header Page of 166 Bộ GIáO DụC Và ĐàO TạO Trờng đại học kinh tế quốc dân - - NGUYễN THị BíCH VƯợNG CHT LNG THM NH TI CHNH D N U T TRONG HOT NG CHO VAY TI CC NGN HNG THNG MI VIT NAM (LY THC T T NGN HNG THNG MI C PHN CễNG THNG VIT NAM) Chuyên ngành: ngành Ti chớnh - Ngõn hng Mã số: 62340201 Ngi hng dn khoa hc: PGS.TS Nguyn c Hng PGS.TS Lờ c L Hà Nội 2016 Footer Page of 166 Header Page of 166 i LI CAM OAN Tụi xin cam oan õy l cụng trỡnh nghiờn cu c lp ca bn thõn vi s giỳp ca cỏc giỏo viờn hng dn Nhng thụng tin, d liu, s liu a lun ỏn c trớch dn rừ rng, y v ngun gc Nhng s liu thu thp v tng hp ca cỏ nhõn m bo tớnh khỏch quan v trung thc Cỏc kt qu nghiờn cu ca lun ỏn ó c tỏc gi cụng b trờn chớ, khụng trựng vi bt k cụng trỡnh no khỏc Footer Page of 166 Header Page of 166 ii LI CM N Tỏc gi xin by t s bit n ti Giỏo viờn hng dn khoa hc PGS.TS Nguyn c Hng v PGS.TS Lờ c L ó nhit tỡnh hng dn, ch bo v ng hnh cựng tỏc gi sut quỏ trỡnh nghiờn cu v hon thnh lun ỏn Tỏc gi cng xin cm n cỏc ng nghip ca Trng i hc Kinh t quc dõn c bit Vin Ngõn hng - Ti chớnh v Vin o to sau i hc ó h tr vic tỡm kim ti liu cng nh gúp ý cho Tỏc gi sa cha Lun ỏn Xin trõn trng cm n cỏc Quý ễng/B lónh o v cỏc cỏn b thm nh ca Ngõn hng TMCP Cụng thng Vit Nam ó h tr, giỳp tỏc gi vic thu thp cỏc d liu, thụng tin phc v cho Lun ỏn Cui cựng, Tỏc gi xin c gi lũng tri õn sõu sc ti gia ỡnh, bn bố, ng nghip ó luụn quan tõm, ng viờn v khớch l cho Tỏc gi cú thờm ng lc phn u hon thnh Lun ỏn ny Xin trõn trng cm n! Footer Page of 166 Header Page of 166 iii MC LC LI CM N ii MC LC iii DANH MC CC CH VIT TT vi DANH MC BNG BIU, S vii PHN M U CHNG TNG QUAN V CHT LNG THM NH TI CHNH D N U T TRONG HOT NG 10 CHO VAY CA NGN HNG THNG MI 10 1.1 Nghiờn cu v d ỏn u t 10 1.1.1 Khỏi nim d ỏn u t 10 1.1.2 Phõn loi d ỏn u t 10 1.2 Cho vay theo d ỏn u t ca Ngõn hng thng mi 11 1.2.1 Hot ng cho vay ca Ngõn hng thng mi 11 1.2.2 Cho vay theo d ỏn u t ca Ngõn hng thng mi 11 1.3 Thm nh ti chớnh d ỏn u t hot ng cho vay ca cỏc Ngõn hng thng mi 13 1.3.1 Thm nh d ỏn u t 13 1.3.2 Thm nh ti chớnh d ỏn u t hot ng cho vay ca Ngõn hng thng mi 24 1.4 Cht lng thm nh ti chớnh d ỏn u t hot ng cho vay ca cỏc Ngõn hng thng mi 38 1.4.1 Khỏi nim v cht lng thm nh ti chớnh d ỏn u t 38 1.4.2 Cỏc ch tiờu ỏnh giỏ cht lng thm nh ti chớnh d ỏn u t hot ng cho vay ca Ngõn hng thng mi 39 1.4.3 Cỏc nhõn t nh hng n cht lng thm nh ti chớnh d ỏn u t hot ng cho vay ca Ngõn hng thng mi 44 CHNG THC TRNG CHT LNG THM NH TI CHNH D N U T TRONG HOT NG CHO VAY TI NGN HNG THNG MI C PHN CễNG THNG VIT NAM 50 2.1 Tng quan v ngõn hng thng mi c phn Cụng thng Vit Nam 50 2.1.1 Khỏi quỏt v lch s hỡnh thnh v c cu t chc ca Ngõn hng thng mi Footer Page of 166 Header Page of 166 iv c phn Cụng thng Vit Nam 50 2.1.2 Hot ng ch yu ca Ngõn hng thng mi c phn Cụng thng Vit Nam 63 2.2 Thc trng cht lng thm nh ti chớnh d ỏn u t hot ng cho vay ti Ngõn hng thng mi c phn Cụng thng Vit Nam 66 2.2.1 Quy trỡnh thm nh ti chớnh d ỏn u t hot ng cho vay ti Ngõn hng thng mi c phn Cụng thng Vit Nam 66 2.2.2 Phng phỏp thm nh ti chớnh d ỏn u t hot ng cho vay ti Ngõn hng thng mi c phn Cụng thng Vit Nam 73 2.2.3 Thc trng cht lng thm nh ti chớnh d ỏn u t ti Ngõn hng TMCP Cụng thng Vit Nam 74 2.2.4 So sỏnh thc trng cht lng thm nh ti chớnh d ỏn u t ti Ngõn hng TMCP Cụng thng Vit Nam vi cỏc NHTM khỏc qua mt s ch tiờu nh lng 77 2.2.5.Thm nh d ỏn c th ti Ngõn hng thng mi c phn Cụng thng Vit Nam 81 CHNG NH GI TC NG CA CC NHN T TI 86 CHT LNG THM NH TI CHNH D N U T 86 TI NGN HNG TMCP CễNG THNG VIT NAM 86 3.1 Mụ hỡnh nghiờn cu v cỏc gi thuyt 86 3.2 Quy trỡnh nghiờn cu 87 3.2.1 Nghiờn cu th nghim 87 3.2.2 Phõn tớch kt qu nghiờn cu chớnh thc 91 3.3 ỏnh giỏ cht lng thm nh ti chớnh d ỏn hot ng cho vay ca Ngõn hng TMCP Cụng thng Vit Nam 112 3.3.1 Nhng kt qu t c 112 3.3.2 Hn ch v nguyờn nhõn 116 CHNG GII PHP NNG CAO CHT LNG THM NH TI CHNH D N U T TRONG HOT NG CHO VAY TI 128 NGN HNG THNG MI C PHN CễNG THNG VIT NAM 128 4.1 nh hng hot ng ca Ngõn hng TMCP Cụng thng Vit Nam 128 4.1.1 nh hng phỏt trin ca Ngõn hng thng mi c phn Cụng thng Vit Nam n nm 2020 128 4.1.2 nh hng v hot ng cho vay theo d ỏn u t ca Ngõn hng thng Footer Page of 166 Header Page of 166 v mi c phn Cụng thng Vit Nam n nm 2020 129 4.2 Gii phỏp nõng cao cht lng thm nh ti chớnh d ỏn u t hot ng cho vay ca Ngõn hng TMCP Cụng thng Vit Nam 130 4.2.1 Gii phỏp v Cỏn b thm nh 131 4.2.2 Gii phỏp v Ngun thụng tin 135 4.2.3 Gii phỏp v Phng phỏp thm nh 137 4.2.4 Gii phỏp v Quy trỡnh thm nh 142 4.2.5 Gii phỏp v T chc cụng tỏc thm nh 151 4.2.6 Gii phỏp v Ch tiờu thm nh 152 4.2.7 Gii phỏp v Ni dung thm nh 153 4.2.8 Gii phỏp k thut thm nh 155 4.2.9 Cỏc gii phỏp khỏc 156 4.3 Mt s kin ngh 157 4.3.1 i vi Chớnh Ph 157 4.3.2 i vi cỏc B ngnh liờn quan 158 4.3.3 i vi Ngõn hng Nh nc 159 4.3.4 i vi cỏc ch u t 160 4.4 Hn ch v hng nghiờn cu tip theo 161 KT LUN 163 DANH MC CC CễNG TRèNH C CễNG B TI LIU THAM KHO PH LC Footer Page of 166 Header Page of 166 vi DANH MC CC CH VIT TT Agribank BEP Ngõn hng nụng nghip & phỏt trin nụng thụn VN im hũa (Break Event Point) BHXH BIDV DAT DNVVN Bo him xó hi Ngõn hng u t v phỏt trin Vit Nam D ỏn u t Doanh nghip va v nh SVN GTCG IRR ng st Vit Nam Giay t cú giỏ T sut hon ni b (Internal Rate of Return) NH NHT&PT NHNN NHTM Ngõn hng Ngõn hng u t v phỏt trin Ngõn hng Nh nc Ngõn hng thng mi NPV NSNN PCCC Giỏ tr hin ti rũng (Net Present Value) Ngõn sỏch Nh nc Phũng chỏy cha chỏy PI PP SPSS SXKD Ch s doanh li (Profitability Index) Thi gian hũa (Payback of Period) Statistical Package for Socia Sciences Sn xut kinh doanh TCTD TMCP TNHH T chc tớn dng Thng mi c phn Trỏch nhim hu hn TSC VCB Vietinbank WACC Ti sn c nh Ngõn hng thng mi c phn Ngoi thng VN Ngõn hng thng mi c phn Cụng thng VN Chi phớ bỡnh quõn WB XDCB XNK Ngõn hng th gii (World Bank) Xõy dng c bn Xut nhp khu Footer Page of 166 Header Page of 166 vii DANH MC BNG BIU, S BNG BIU Bng 1.1: Túm tt quy trỡnh thm nh d ỏn t 19 Bng 2.1 Cỏc ch s ti chớnh c bn 63 Bng 2.2 T l d ỏn trin khai thnh cụng giai on 2010 2014 74 Bng 2.3 T l s d ỏn phi iu chnh li cỏc ch tiờu giai on 2010 2014 75 Bng 2.4 T l n quỏ hn giai on 2010 2014 75 Bng 2.5 T sut li nhun giai on 2010 2014 76 Bng 3.1 Kt qu ỏnh giỏ tin cy ca d liu 93 Bng 3.2 Kt qu phõn tớch nhõn t cho nhúm bin c lp 96 Bng 3.3 Kt qu phõn tớch nhõn t cho bin ph thuc 97 Bng 3.4 Kt qu phõn tớch ỏnh giỏ v cht lng cỏn b thm nh 98 Bng 3.5 Kt qu phõn tớch ỏnh giỏ v ngun thụng tin d ỏn 99 Bng 3.6 Kt qu phõn tớch ỏnh giỏ v t chc cụng tỏc thm nh 100 Bng 3.7 Kt qu phõn tớch ỏnh giỏ v quy trỡnh thm nh 100 Bng 3.8 Kt qu phõn tớch ỏnh giỏ v ch tiờu thm nh 101 Bng 3.9 Kt qu phõn tớch ỏnh giỏ v phng phỏp thm nh 101 Bng 3.10 Kt qu phõn tớch ỏnh giỏ v phng tin thm nh 102 Bng 3.11 Kt qu phõn tớch ỏnh giỏ v cht lng cụng tỏc thm nh 102 Bng 3.12 Kt qu phõn tớch tng quan 103 Bng 3.13 Kt qu phõn tớch hi quy 104 Bng 3.14 Kt qu phõn tớch phng sai gia hai nhúm gii tớnh 106 Bng 3.15 Kt qu phõn tớch phng sai gia cỏc nhúm kinh nghim 107 Bng 3.16 Kt qu phõn tớch phng sai gia cỏc nhúm trỡnh 108 Bng 4.1 nh hng cỏc ch tiờu c bn n nm 2020 128 Bng 4.2 Ni dung ca bng thu nhp v chi phớ 145 Bng 4.3 Bng tớnh sn lng v doanh thu 146 Bng 4.4 Bng tớnh chi phớ hot ng 147 Bng 4.5 Bng tớnh khu hao TSC 147 Bng 4.6 Bng tớnh lói vay 148 Bng 4.7 Bỏo cỏo kt qu kinh doanh 150 Bng 4.8 Bng cõn i tr n 150 Footer Page of 166 Header Page 10 of 166 viii BIU Biu 2.1 T l d ỏn b t chi cho vay ca Ngõn hng la chn 78 nghiờn cu 78 Biu 2.2 T l d ỏn phi iu chnh li ca Ngõn hng la chn 79 nghiờn cu 79 Biu 2.3 T l d n trung di hn ca Ngõn hng la chn nghiờn cu 80 Biu 2.4 T l li nhun trung di hn ca Ngõn hng la chn nghiờn cu 81 Biu 3.1 Thụng tin i tng kho sỏt 92 Biu 3.2 Phõn phi chun 105 S S 1.1: Quy trỡnh tng quỏt thm nh d ỏn u t vay 20 S 1.2: Quy trỡnh thm nh d ỏn ti cỏc Ngõn hng thng mi 22 S 2.1 Mụ hỡnh qun tr ca Vietinbank 52 S 2.2 Quy trỡnh thm nh ti chớnh d ỏn u t ti Ngõn hng 66 S 3.1 Mụ hỡnh nghiờn cu 86 Footer Page 10 of 166 Header Page 248 of 166 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Cronbach's Alpha if Total Correlation Item Deleted NTT1 6.90 3.110 786 744 NTT2 7.02 3.532 692 834 NTT3 6.87 3.109 716 815 Reliability Statistics Cronbach's Alpha N of Items 817 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Corrected ItemItem Deleted Total Correlation Cronbach's Alpha if Item Deleted TCCT1 11.00 3.025 679 750 TCCT2 11.07 3.332 621 778 TCCT3 11.11 3.093 645 767 TCCT4 11.06 3.409 610 783 Reliability Statistics Cronbach's Alpha N of Items 835 Item-Total Statistics Scale Mean if Item Scale Variance if Corrected Item- Cronbach's Alpha if Deleted Item Deleted Total Correlation Item Deleted QT1 3.44 1.062 719 a QT2 3.39 1.204 719 a a The value is negative due to a negative average covariance among items This violates reliability model assumptions You may want to check item codings Footer Page 248 of 166 Header Page 249 of 166 Reliability Statistics Cronbach's Alpha N of Items 793 Item-Total Statistics Scale Mean if Item Scale Variance if Corrected Item- Cronbach's Alpha if Deleted Item Deleted Total Correlation Item Deleted CT1 3.57 849 659 a CT2 3.62 710 659 a a The value is negative due to a negative average covariance among items This violates reliability model assumptions You may want to check item codings Reliability Statistics Cronbach's Alpha N of Items 792 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected ItemTotal Correlation Cronbach's Alpha if Item Deleted PP1 2.88 779 655 a PP2 2.79 800 655 a a The value is negative due to a negative average covariance among items This violates reliability model assumptions You may want to check item codings Reliability Statistics Cronbach's Alpha 903 Footer Page 249 of 166 N of Items Header Page 250 of 166 Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Corrected ItemItem Deleted Total Correlation Cronbach's Alpha if Item Deleted PT1 3.8450 805 824 a PT2 3.7000 864 824 a a The value is negative due to a negative average covariance among items This violates reliability model assumptions You may want to check item codings Reliability Statistics Cronbach's Alpha N of Items 611 Item-Total Statistics Scale Mean if Item Scale Variance if Deleted Item Deleted Corrected Item- Cronbach's Alpha if Total Correlation Item Deleted CLTD1 3.81 215 444 a CLTD2 3.34 286 444 a a The value is negative due to a negative average covariance among items This violates reliability model assumptions You may want to check item codings KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy Bartlett's Test of Sphericity Footer Page 250 of 166 Approx Chi-Square 735 2000.058 df 210 Sig .000 Header Page 251 of 166 Total Variance Explained Initial Eigenvalues Comp % of Cumulative onent Total Variance % Extraction Sums of Squared Loadings Total % of Variance Rotation Sums of Squared Loadings Cumulative % Total % of Variance Cumulative % 4.351 20.720 20.720 4.351 20.720 20.720 4.186 19.933 19.933 3.068 14.608 35.329 3.068 14.608 35.329 2.626 12.507 32.440 2.361 11.244 46.573 2.361 11.244 46.573 2.369 11.283 43.722 1.915 9.118 55.691 1.915 9.118 55.691 1.846 8.789 52.511 1.580 7.526 63.217 1.580 7.526 63.217 1.728 8.229 60.740 1.514 7.211 70.428 1.514 7.211 70.428 1.678 7.988 68.728 1.314 6.259 76.687 1.314 6.259 76.687 1.671 7.958 76.687 612 2.915 79.601 547 2.605 82.206 10 475 2.262 84.469 11 419 1.996 86.465 12 410 1.952 88.418 13 389 1.853 90.271 14 361 1.720 91.991 15 311 1.482 93.473 16 299 1.422 94.895 17 263 1.253 96.148 18 237 1.129 97.277 19 215 1.024 98.302 20 198 944 99.246 21 158 754 100.000 Extraction Method: Principal Component Analysis Footer Page 251 of 166 Header Page 252 of 166 Rotated Component Matrixa Component CanBo5 851 CanBo6 850 CanBo1 847 CanBo3 845 CanBo4 838 CanBo2 743 TCCT1 824 TCCT3 802 TCCT4 785 TCCT2 772 NTT1 912 NTT3 864 NTT2 843 PT2 949 PT1 947 QT1 924 QT2 904 PP2 900 PP1 894 CT1 901 CT2 894 Extraction Method: Principal Component Analysis Rotation Method: Varimax with Kaiser Normalization a Rotation converged in iterations Footer Page 252 of 166 Header Page 253 of 166 KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy Bartlett's Test of Sphericity 500 Approx Chi-Square 43.445 df Sig .000 Total Variance Explained Initial Eigenvalues Component Total % of Variance Extraction Sums of Squared Loadings Cumulative % % of Variance Total 1.444 72.218 72.218 556 27.782 100.000 1.444 Cumulative % 72.218 72.218 Extraction Method: Principal Component Analysis Component Matrixa Component CLTD2 850 CLTD1 850 Extraction Method: Principal Component Analysis a components extracted Correlations CanBo NTT CanBo Pearson Correlation NTT Pearson Correlation CT PP PT ChatLuongTD 027 091 026 -.055 038 431** 038 706 199 713 436 595 000 200 200 200 200 200 200 200 200 147* 041 207** 042 067 045 487** 567 003 552 348 526 000 200 200 200 200 200 200 Sig (2-tailed) 038 N 200 Footer Page 253 of 166 QT 147* Sig (2-tailed) N TCCT 200 Header Page 254 of 166 TCCT Pearson Correlation QT CT PP PT 027 041 Sig (2-tailed) 706 567 N 200 200 Pearson Correlation 093 228** 197** 128 412** 192 001 005 072 000 200 200 200 200 200 200 091 207** 093 054 074 027 450** Sig (2-tailed) 199 003 192 445 300 704 000 N 200 200 200 200 200 200 200 200 Pearson Correlation 026 042 228** 054 -.029 116 329** Sig (2-tailed) 713 552 001 445 688 101 000 N 200 200 200 200 200 200 200 -.055 067 197** -.023 366** Sig (2-tailed) 436 348 005 300 688 744 000 N 200 200 200 200 200 200 200 200 Pearson Correlation 038 045 128 027 116 -.023 301** Sig (2-tailed) 595 526 072 704 101 744 N 200 200 200 200 200 200 431** 487** 412** Pearson Correlation ChatLu Pearson ongTD Correlation 200 074 -.029 450** 329** 000 200 200 366** 301** Sig (2-tailed) 000 000 000 000 000 000 000 N 200 200 200 200 200 200 200 * Correlation is significant at the 0.05 level (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed) Footer Page 254 of 166 200 Header Page 255 of 166 Model Summaryb Mod el Change Statistics R Std Error Squar Adjusted of the R Square F e R Square Estimate Change Change df1 df2 R 886a 786 778 20002 786 100.667 Sig F Change 192 DurbinWatson 000 1.880 a Predictors: (Constant), PT, PP, CanBo, CT, QT, NTT, TCCT b Dependent Variable: ChatLuongTD ANOVAb Model Sum of Squares Regression Mean Square 28.193 4.028 7.682 192 040 35.875 199 Residual Total df F Sig 100.667 000a a Predictors: (Constant), PT, PP, CanBo, CT, QT, NTT, TCCT b Dependent Variable: ChatLuongTD Coefficientsa Standardize d Coefficients Unstandardized Coefficients Model B (Constant) Std Error -.019 143 CanBo 200 019 NTT 159 TCCT Beta Collinearity Statistics t Sig Tolerance VIF -.136 892 354 10.428 000 968 1.033 017 327 9.454 000 935 1.070 163 026 223 6.298 000 891 1.123 QT 124 015 289 8.403 000 943 1.060 CT 118 018 223 6.457 000 933 1.072 PP 163 018 310 9.002 000 943 1.061 PT 106 016 218 6.423 000 972 1.029 a Dependent Variable: ChatLuongTD Footer Page 255 of 166 Header Page 256 of 166 Footer Page 256 of 166 Header Page 257 of 166 Descriptive Statistics N Minimum Maximum Mean Std Deviation CanBo1 200 3.75 916 CanBo2 200 3.60 850 CanBo3 200 3.54 955 CanBo4 200 3.67 875 CanBo5 200 3.74 880 CanBo6 200 3.66 943 CanBo 200 1.83 5.00 3.6633 75169 NTT1 200 3.50 987 NTT2 200 3.37 931 NTT3 200 3.52 1.042 NTT 200 1.33 5.00 3.4650 87070 TCCT1 200 3.75 757 TCCT2 200 3.67 694 TCCT3 200 3.64 758 TCCT4 200 3.69 675 TCCT 200 2.00 5.00 3.6862 58024 QT1 200 3.39 1.097 QT2 200 3.44 1.030 QT 200 1.00 5.00 3.4150 98622 CT1 200 3.61 843 CT2 200 3.57 922 CT 200 1.50 5.00 3.5925 80369 PP1 200 2.79 894 PP2 200 2.88 883 PP 200 1.00 5.00 2.8350 80842 PT1 200 2.00 5.00 3.7000 92969 PT2 200 2.00 5.00 3.8450 89722 PT 200 2.00 5.00 3.7725 87224 CLTD1 200 3.34 535 CLTD2 200 3.81 464 ChatLuongTD 200 2.00 5.00 3.5750 42459 Valid N (listwise) 200 Footer Page 257 of 166 Header Page 258 of 166 Group Statistics GioiTinh N ChatLuongTD Nam N Mean Std Deviation Std Error Mean 74 3.5878 41676 04845 126 3.5675 43060 03836 Independent Samples Test Levene's Test for Equality of Variances F ChatLuo Equal ngTD variances assumed Sig .656 419 Equal variances not assumed t-test for Equality of Means t Std Mean Error Sig (2- Differe Differen tailed) nce ce df 95% Confidence Interval of the Difference Lower Upper 327 198 744 02038 06232 -.10253 14328 330 157.1 54 742 02038 06180 -.10168 14243 Descriptives ChatLuongT D 95% Confidence Interval for Mean N Mean Std Deviation Std Error Lower Bound Upper Bound Minimum Maximum nm 14 3.6071 56086 14990 3.2833 3.9310 2.00 4.00 nm 31 3.4839 37603 06754 3.3459 3.6218 3.00 4.00 nm 32 3.6875 32996 05833 3.5685 3.8065 3.00 4.50 nm 48 3.5417 47078 06795 3.4050 3.6784 2.00 5.00 nm 45 3.5556 41591 06200 3.4306 3.6805 2.00 4.00 nm 30 3.6167 42918 07836 3.4564 3.7769 2.50 4.50 Total 200 3.5750 42459 03002 3.5158 3.6342 2.00 5.00 Footer Page 258 of 166 Header Page 259 of 166 Test of Homogeneity of Variances ChatLuongTD Levene Statistic df1 df2 577 Sig 194 718 ANOVA ChatLuongTD Sum of Squares Between Groups df Mean Square 799 160 Within Groups 35.076 194 181 Total 35.875 199 F Sig .884 493 Descriptives ChatLuongTD 95% Confidence Interval for Mean N Cao ng Mean Std Deviation Std Error Lower Bound Upper Bound Minimum Maximum 23 3.4130 49203 10260 3.2003 3.6258 2.00 4.50 i hc 132 3.5909 40426 03519 3.5213 3.6605 2.00 5.00 Thc s 45 3.6111 43809 06531 3.4795 3.7427 2.00 4.50 200 3.5750 42459 03002 3.5158 3.6342 2.00 5.00 Total Test of Homogeneity of Variances ChatLuongTD Levene Statistic 241 Footer Page 259 of 166 df1 df2 Sig 197 786 Header Page 260 of 166 ANOVA ChatLuongTD Sum of Squares 695 35.180 35.875 Between Groups Within Groups Total df Mean Square 348 197 179 199 F 1.947 Sig .145 Descriptives ChatLuongTD 95% Confidence Interval for Mean Std Deviation Std Error Lower Bound Upper Bound N Mean Di triu 46 3.7065 37381 05512 3.5955 3.8175 3.00 5.00 T 6-8 triu 97 3.5722 39522 04013 3.4925 3.6518 2.50 4.50 T n 10tr 43 3.4186 51095 07792 3.2614 3.5759 2.00 4.00 Trờn 10 triu 14 3.6429 36314 09705 3.4332 3.8525 3.00 4.00 200 3.5750 42459 03002 3.5158 3.6342 2.00 5.00 Total Minimum Maximum Test of Homogeneity of Variances ChatLuongTD Levene Statistic 325 df1 df2 Sig 196 808 ANOVA ChatLuongTD Between Groups Within Groups Total Footer Page 260 of 166 Sum of Squares 1.913 33.962 35.875 df Mean Square 638 196 173 199 F 3.679 Sig .013 Header Page 261 of 166 Descriptives ChatLuongT D 95% Confidence Interval for Mean N Std Deviation Std Error Mean Lower Bound Upper Bound Minimum Maximum ngy 20 3.7500 30349 06786 3.6080 3.8920 3.00 4.00 ngy 19 3.6053 26765 06140 3.4763 3.7343 3.00 4.00 ngy 20 3.7250 44352 09917 3.5174 3.9326 3.00 5.00 10 ngy 32 3.6406 47915 08470 3.4679 3.8134 2.00 4.50 11 ngy 25 3.4600 49833 09967 3.2543 3.6657 2.00 4.50 12 ngy 29 3.5000 35355 06565 3.3655 3.6345 3.00 4.00 13 ngy 28 3.6429 38145 07209 3.4949 3.7908 3.00 4.00 14 ngy 23 3.4130 38883 08108 3.2449 3.5812 2.50 4.00 15 ngy 3.0000 70711 35355 1.8748 4.1252 2.00 3.50 200 3.5750 42459 03002 3.5158 3.6342 2.00 5.00 Total Test of Homogeneity of Variances ChatLuongTD Levene Statistic df1 df2 1.205 Sig 191 298 ANOVA ChatLuongTD Sum of Squares Between Groups df Mean Square 3.766 471 Within Groups 32.109 191 168 Total 35.875 199 Footer Page 261 of 166 F 2.800 Sig .006 Header Page 262 of 166 Descriptives ChatLuongT D ngi ngi ngi ngi Total Std Mean Deviation Std Error 3.4833 45998 05938 3.6012 45773 04994 3.6300 31639 04474 3.6667 25820 10541 3.5750 42459 03002 N 60 84 50 200 95% Confidence Interval for Mean Lower Upper Bound Bound Minimum Maximum 3.3645 3.6022 2.00 4.00 3.5019 3.7005 2.00 5.00 3.5401 3.7199 3.00 4.00 3.3957 3.9376 3.50 4.00 3.5158 3.6342 2.00 5.00 Test of Homogeneity of Variances ChatLuongTD Levene Statistic 1.020 df1 df2 Sig 196 385 ANOVA ChatLuongTD Sum of Squares Between Groups df Mean Square 763 254 Within Groups 35.112 196 179 Total 35.875 199 Footer Page 262 of 166 F 1.421 Sig .238 ... cho vay ca NHTM: - Theo mc ớch vay: cho vay sn xut kinh doanh, cho vay tiờu dựng, cho vay chớnh sỏch - Theo ti sn m bo: cho vay cú ti sn m bo v cho vay khụng cú ti sn m bo - Theo ngun ti tr: cho. .. 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