N QUY L A CH NH CT C P XU T NH P KH U L N QUY NH L A CH CT C P XU T NH P KH U I : 60340121 LU C S KINH T NG D N KHOA H C GS.TS NGUY i L L i h c Kinh t TP H nt ch n quy ct c nh l a p xu t nh p kh uc li c thu th d ng m K t qu lu c ab tc b tc c lu ii M CL C Trang ph Trang L i M C L C ii DANH M VI T T T vi DANH M NG BI U vii DANH M viii T LU ix NG QUAN V U 1.1.S c n thi t c u 1.2.M c t u 1.3.1 u 1.6 K t c u c u U 10 2.1 c t 10 ct 2.1.2 c c t 10 ng 11 2.1.2.1 Chuy n ti n (Telegraphic Transfer - TT) 12 2.1.2.2 Nh thu (Collection) 13 2.1.2.3 ng ch ng t (Documentary Credits) 15 iii 18 g 21 24 26 2.4.2 C ng 29 2.4.3 Danh ti ng c 31 2.4.4 34 2.4.5 S thu n ti n 36 thuy t 38 39 U 40 40 42 3.2 44 3.2 ng 45 48 49 T QU KI U 50 m u 51 4.2 Ki nh h s tin c ut 54 60 - Bi c l p 60 - Bi n ph thu c 65 n 66 4.4.1 L n 66 s n 66 iv 4.4.1.2 K t qu i quy l n 67 4.4.2 L n 70 s n 70 4.4.2.2 K t qu i quy l n 70 4.5.D m gi 4.5.1 Gi hi 4.5.2 Gi nh c n thi t 72 a bi n ph thu cl n i (heteroskedasticity) 72 nh v i chu n c a ph 4.5.3 Gi 72 cl ng n) 73 74 78 T LU 80 5.1 K t lu n 80 5.2 Gi 81 5.2.1 S hi u qu ho 5.2.2 C 81 ng 83 5.2.3 Danh ti ng 85 86 5.3 H n ch 87 89 v U THAM KH O 90 Ti ng Vi t 90 Ti ng Anh 90 PH L C 97 Ph l c A: K t qu c Ph l c B: B 97 is d c 98 Ph l c u tra 102 Ph l c D: K t qu ki u 114 Th 114 116 c l p 121 n ph thu c 126 129 i quy 132 m gi nh c n thi t 136 vi DANH M T vi t t t DA VI T T T ti ng Anh ti ng Vi t Document against Nh thu tr ch m Acceptance DP Document against Nh thu tr Payment EFA Exploratory Factor Analysis LC Letter of credit STP Award Straight Through - ng Gi Processing Award c t xu t s c SWIFT Society for Worldwide Hi p h i vi Interbank Financial Telecommunication TMCP qu c t i c ph n TP TT Telegraphic Transfer TTQT UCP Chuy n ti n ct Uniform Customs and Practice for Documents Credits vii DANH M NG BI U 2013 B n l a ch B quan tr ng c B c ng doanh nghi p 22 iv 27 32 50 55 55 56 u qu ho ng 57 thu n ti 58 nh l a ch c t 59 B 61 62 B t k t qu 64 65 66 67 B ng 4.14 l n 68 69 70 B ng 4.17 l n 71 71 19 77 viii DANH M n vi n ph m d ch v 28 nh l a ch c t 38 41 123 Extraction Method: Principal Component Analysis Total Variance Explained Extraction Sums of Squared Loadings Initial Eigenvalues Rotation Sums of Squared Loadings Com % of Cumul pone % of Cumula % of Varian ative nt Total Variance tive % Total 4.008 30.829 30.829 4.008 30.829 30.829 2.529 19.455 19.455 2.332 17.942 48.771 2.332 17.942 48.771 2.384 18.340 37.796 1.531 11.778 60.549 1.531 11.778 60.549 1.824 14.028 51.824 1.377 10.591 71.140 1.377 10.591 71.140 1.809 13.913 65.737 1.055 8.115 79.255 1.055 8.115 79.255 1.757 13.518 79.255 655 5.038 84.293 584 4.493 88.787 488 3.756 92.542 340 2.617 95.159 10 301 2.319 97.478 11 192 1.473 98.952 12 130 1.001 99.953 13 006 047 100.00 Extraction Method: Principal Component Analysis ce % Varian Cumulat Total ce ive % 124 Component Matrixa Component NH dua phi san pham dich vu canh tranh NH dua phi san pham dich vu phu hop NH ap dung ty gia mua/ban ngoai te tot NH san long cap tin dung cho DN Lai suat cho vay canh tranh 538 759 140 196 -.063 553 750 150 207 -.042 429 618 077 254 021 672 -.125 -.527 187 -.024 655 -.075 -.572 -.146 082 687 -.135 -.604 -.096 -.034 451 -.258 258 358 433 454 -.384 247 028 458 391 -.405 218 377 279 644 -.445 286 072 -.469 576 -.414 337 067 -.555 589 082 177 -.628 168 NH cap chinh sach tin dung phu hop voi tinh hinh HDKD cua DN NH noi tieng va ngoai nuoc NH co uy tin tot NH co tinh trang tai chinh tot NH co toc doc giao dich nhanh chong NH ap dung quy trinh lam viec ngan gon Gio giao dich thuan tien 125 NH co mang luoi 469 CN/PGD rong khap 135 334 -.701 096 Extraction Method: Principal Component Analysis a components extracted Rotated Component Matrixa Component NH dua phi san pham dich vu canh tranh NH dua phi san pham dich vu phu hop NH ap dung ty gia mua/ban ngoai te tot NH san long cap tin dung cho DN Lai suat cho vay canh tranh 948 092 045 -.015 135 951 093 044 015 138 789 096 -.024 056 030 170 822 179 193 -.082 079 856 026 086 206 062 906 142 057 136 132 080 094 787 008 -.082 121 091 719 280 -.007 093 227 718 -.086 NH cap chinh sach tin dung phu hop voi tinh hinh HDKD cua DN NH noi tieng va ngoai nuoc NH co uy tin tot NH co tinh trang tai chinh tot 126 NH co toc doc giao dich 021 Gio giao dich thuan tien NH co mang luoi CN/PGD rong khap 251 133 112 934 172 112 218 093 109 848 136 lam viec ngan gon 895 140 NH ap dung quy trinh 197 027 nhanh chong 018 125 019 903 Extraction Method: Principal Component Analysis Rotation Method: Varimax with Kaiser Normalization a Rotation converged in iterations n ph thu c Factor Analysis KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy Bartlett's Test of Approx Chi-Square Sphericity df Sig .705 144.185 000 127 Communalities Initial NH hieu DN lua chon Extraction 1.000 chuan cua DN NH san long dap ung yeu cau moi cua DN 746 1.000 NH dap ung nhung tieu 677 1.000 NH nhu the nao 780 Extraction Method: Principal Component Analysis Total Variance Explained Initial Eigenvalues Comp Extraction Sums of Squared Loadings % of Cumulative Variance % onent Total 2.202 73.411 73.411 472 15.720 89.131 326 10.869 100.000 Extraction Method: Principal Component Analysis % of Total 2.202 Cumulative Variance % 73.411 73.411 128 Component Matrixa Component NH hieu DN lua chon NH nhu the nao NH dap ung nhung tieu chuan cua DN NH san long dap ung yeu cau moi cua DN Extraction Method: Principal Component Analysis a components extracted .823 864 883 129 Correlations l n Correlations GIA TIN HIEU DANH THUAN CA DUNG QUA TIENG DINH 229** 085 063 263** 246** 007 326 466 002 004 136 136 136 136 136 136 Pearson Correlation 229** 319** 279** 267** 457** 000 001 002 000 GIA CA Pearson Correlation Sig (2-tailed) N TIN TIEN QUYET DUNG Sig (2-tailed) 007 N 136 136 136 136 136 136 HIEU Pearson Correlation 085 319** 414** 264** 531** QUA Sig (2-tailed) 326 000 000 002 000 N 136 136 136 136 136 136 DANH Pearson Correlation 063 279** 414** 197* 431** TIENG Sig (2-tailed) 466 001 000 021 000 136 136 136 136 136 136 THUAN Pearson Correlation 263** 267** 264** 197* 157 N TIEN Sig (2-tailed) 002 002 002 021 N 136 136 136 136 136 136 QUYET Pearson Correlation 246** 457** 531** 431** 157 DINH 068 Sig (2-tailed) 004 000 000 000 068 N 136 136 136 136 136 136 130 Correlations GIA TIN HIEU DANH THUAN CA DUNG QUA TIENG DINH 229** 085 063 263** 246** 007 326 466 002 004 136 136 136 136 136 136 Pearson Correlation 229** 319** 279** 267** 457** 000 001 002 000 GIA CA Pearson Correlation Sig (2-tailed) N TIN TIEN QUYET DUNG Sig (2-tailed) 007 N 136 136 136 136 136 136 HIEU Pearson Correlation 085 319** 414** 264** 531** QUA Sig (2-tailed) 326 000 000 002 000 N 136 136 136 136 136 136 DANH Pearson Correlation 063 279** 414** 197* 431** TIENG Sig (2-tailed) 466 001 000 021 000 136 136 136 136 136 136 THUAN Pearson Correlation 263** 267** 264** 197* 157 N TIEN Sig (2-tailed) 002 002 002 021 N 136 136 136 136 136 136 QUYET Pearson Correlation 246** 457** 531** 431** 157 DINH 068 Sig (2-tailed) 004 000 000 000 068 N 136 136 136 136 136 ** Correlation is significant at the 0.01 level (2-tailed) * Correlation is significant at the 0.05 level (2-tailed) 136 131 Correlations l n Correlations GIA HIEU DANH QUYET CA GIA CA Pearson Correlation TIN DUNG QUA TIENG DINH Sig (2-tailed) N TIN 136 Pearson Correlation 229** DUNG Sig (2-tailed) 007 N 136 136 HIEU Pearson Correlation 085 319** QUA Sig (2-tailed) 326 000 N 136 136 136 DANH Pearson Correlation 063 279** 414** TIENG Sig (2-tailed) 466 001 000 136 136 136 136 QUYET Pearson Correlation 246** 457** 531** 431** N DINH 1 Sig (2-tailed) 004 000 000 000 N 136 136 136 136 ** Correlation is significant at the 0.01 level (2-tailed) 136 132 i quy Regression l n ANOVAb Sum of Model Squares df Mean Square Regression 25.833 5.167 Residual 33.497 130 59.330 Sig .000a 258 Total F 20.051 135 a Predictors: (Constant), THUAN TIEN, DANH TIENG, GIA CA, TIN DUNG, HIEU QUA b Dependent Variable: QUYET DINH Coefficientsa Standardize Unstandardize d Collinearity d Coefficients Coefficients Statistics Std Model B (Constant) Error Toleranc Beta t Sig e VIF 1.462 271 5.393 000 GIA CA 120 051 165 2.383 019 902 1.108 TIN DUNG 205 056 268 3.675 000 816 1.225 HIEU QUA 275 056 370 4.898 000 763 1.311 216 075 212 2.873 005 800 1.250 -.083 061 -.097 -1.360 176 847 1.181 DANH TIENG THUAN TIEN 133 ANOVAb Sum of Model Squares df Mean Square Regression 25.833 5.167 Residual 33.497 130 59.330 Sig .000a 258 Total F 20.051 135 a Predictors: (Constant), THUAN TIEN, DANH TIENG, GIA CA, TIN DUNG, HIEU QUA a Dependent Variable: QUYET DINH Residuals Statisticsa Std Minimum Maximum Predicted Value Mean N Std Predicted Value Std Residual 2.1943 4.6416 3.5049 43744 136 -1.44340 Residual 1.05388 00000 49812 136 -2.996 2.598 000 1.000 136 -2.844 2.076 000 981 136 a Dependent Variable: QUYET DINH Regression l n Variables Entered/Removedb Variables Model Deviation Variables Entered Removed Method 134 DANH TIENG, GIA CA, TIN Enter DUNG, HIEU QUAa a All requested variables entered b Dependent Variable: QUYET DINH Model Summaryb Change Statistics Adjuste Std Error R Model R dR of the R Square F Sig F Durbin- Square Square Estimate Change Change df1 df2 Change Watson 654a 427 410 50925 427 24.443 131 000 F Sig a Predictors: (Constant), DANH TIENG, GIA CA, TIN DUNG, HIEU QUA b Dependent Variable: QUYET DINH ANOVAb Sum of Model Squares df Mean Square Regression 25.357 6.339 Residual 33.973 131 259 Total 59.330 24.443 135 a Predictors: (Constant), DANH TIENG, GIA CA, TIN DUNG, HIEU QUA 000a 1.966 135 Model Summaryb Change Statistics Adjuste Std Error R Model R dR of the R Square F Sig F Durbin- Square Square Estimate Change Change df1 df2 Change Watson 654a 427 410 50925 427 24.443 131 000 1.966 b Dependent Variable: QUYET DINH Coefficientsa Standardiz ed Unstandardized Coefficient Coefficients Collinearity s Statistics Std Model B (Constant) Error 1.313 105 049 TIN DUNG 194 HIEU QUA Beta 249 GIA CA Toleranc DANH TIENG t Sig e VIF 5.278 000 145 2.131 035 947 1.056 055 254 3.507 001 833 1.201 262 056 353 4.726 000 783 1.277 209 075 205 2.774 006 804 1.244 a Dependent Variable: QUYET DINH 136 Residuals Statisticsa Std Minimum Maximum Predicted Value Residual Std Predicted Value Std Residual Mean N 2.0831 4.7185 3.5049 43339 136 -1.55263 1.07193 00000 50165 136 -3.281 2.800 000 1.000 136 -3.049 2.105 000 985 136 a Dependent Variable: QUYET DINH Deviation m gi nh c n thi t 137 Scatterplot Dependent variable: QUYETDINH ... m d ch v t v y, p t c doanh nghi d ch v c d ch v k d ng p ph i tr N u kho m ch p s ti t ki p giao d c m t kho n i v i doanh nghi p xu t nh p kh u, t 29 ng, doanh thu ho doanh nghi p xu t nh p... s gi doanh nghi p s c t kh a, n vi cv t kh u, u c hay p kh v n danh ti ng c ct t kh ng doanh nghi p d ng 34 2.4.4 c hi Heskett a l ng s ng s c gian c hi 35 c ng s ng c ng s s nh l a ch doanh. .. a comparison of expectations n quy nh l a ch quan tr ng nhu c u qu nh ng ho ho uv ng kinh doanh c a doanh nghi c n ph m d ch v i quan h th cung c p t t c n n ph m d ch v ng c u 7 WIFT n quy