B GIÁO DC VÀ ðÀO TO ðI HC ðÀ NNG ðOÀN TH M HNH NGHIÊN CU CÁC NHÂN T NH H NG ð N QUY T ðNH S D NG TH ﾤ ATM CA NGÂN HÀNG ðÔNG Á HUYN DUY XUYÊN, TNH QU NG NAM LUN VĂN THC SĨ TÀI CHÍNH - NGÂN HÀNG ðà Nng - Năm 2016 B GIÁO DC VÀ ðÀO TO ðI HC ðÀ NNG ðOÀN TH M HNH NGHIÊN CU CÁC NHÂN T NH H NG ð N QUY T ðNH S D NG TH ﾤ ATM CA NGÂN HÀNG ðÔNG Á HUYN DUY XUYÊN, TNH QU NG NAM Chuyên ngành: Tài - Ngân hàng Mã s: 60.34.02.01 LUN VĂN THC SĨ TÀI CHÍNH - NGÂN HÀNG Ng i h ng dn khoa hc: TS LÊ DÂN ðà Nng - Năm 2016 L-I CAM ðOAN Tơi xin cam đoan cơng trình nghiên cu ca riêng Các s liu, kt qu nêu lun văn trung thc chưa t ng ñ c công b b L C5 PHÂN TÍCH H*I QUY TUY N TÍNH Correlations MK Pearson Correlation MK Sig (2-tailed) N Pearson Correlation CN ,211 ** ,208 ** ,496 ** QD ,715 ** ,000 ,000 222 222 222 222 222 222 222 ** ** ,118 ,527 ,203 ** ,185 ,144 * ,456 ** ,565 ** ,006 ,079 ,032 ,000 ,000 222 222 222 222 222 222 ** -,077 -,023 ,253 ,735 ,013 ,000 222 ,185 ,166 * ,276 ** Sig (2-tailed) ,002 ,006 N 222 222 222 222 222 222 ** ,118 -,077 ,120 ,093 Sig (2-tailed) ,002 ,079 ,253 ,073 ,170 ,000 N 222 222 222 222 222 222 222 * -,023 ,120 ,120 ,211 ,208 ** ,144 Sig (2-tailed) ,002 ,032 ,735 ,073 N 222 222 222 222 * ,496 ** ,456 ** ,166 222 222 ,093 ,120 ,000 ,013 ,170 ,075 222 222 222 222 222 ,565 ** ,276 ** ,335 ** ,292 ** ** ,000 222 ** ,628 ,000 ,000 ,000 ,000 ,000 ,000 N 222 222 222 222 222 222 * Correlation is significant at the 0.05 level (2-tailed) ,628 222 Sig (2-tailed) ** Correlation is significant at the 0.01 level (2-tailed) ** 222 ,000 ** ,292 ** ,000 N ,715 ,335 ,075 Sig (2-tailed) Pearson Correlation QD ** UT ,002 222 Pearson Correlation UT ,203 TQ ,002 ,000 Pearson Correlation TQ ** VT ,002 N Pearson Correlation VT ,527 AT ,000 Sig (2-tailed) Pearson Correlation AT CN 222 Variables Entered/Removed Variables Mod el Variables Entered UT, VT, TQ, AT, b Removed Method Enter a CN, MK a All requested variables entered b Dependent Variable: QD Model Summary Mod Std Error of the el b R ,836 a R Square ,700 Adjusted R Square ,691 Estimate Durbin-Watson ,62182 1,753 a Predictors: (Constant), UT, VT, TQ, AT, CN, MK b Dependent Variable: QD ANOVA Model Sum of Squares Regression df 193,537 Residual Mean Square 83,131 Total b F Sig 83,424 ,000a 32,256 215 ,387 276,668 221 a Predictors: (Constant), UT, VT, TQ, AT, CN, MK b Dependent Variable: QD Coefficients Model Unstandardized Standardized Coefficients Coefficients B (Constant) a Std Error Beta -1,504 ,294 Collinearity Statistics t Sig Tolerance VIF -5,116 ,000 MK ,397 ,050 ,382 7,924 ,000 ,600 1,666 CN ,172 ,051 ,154 3,370 ,001 ,667 1,499 AT ,159 ,045 ,137 3,532 ,001 ,929 1,077 VT ,268 ,051 ,202 5,225 ,000 ,935 1,069 TQ ,172 ,050 ,131 3,414 ,001 ,945 1,058 UT ,356 ,051 ,311 6,948 ,000 ,699 1,430 a Dependent Variable: QD Variables Entered/Removed Variables Model Variables Entered PRE_2 b Removed Method a Enter a All requested variables entered b Dependent Variable: RES_2 Model Summary b Std Error of the Model R ,042 R Square a Adjusted R Square ,002 Estimate Durbin-Watson -,003 ,56726 2,095 a Predictors: (Constant), PRE_2 b Dependent Variable: RES_2 Model ANOVA df Sum of Squares Regression b ,123 Mean Square ,123 Residual 70,793 220 ,322 Total 70,917 221 F ,383 Sig ,536 a a Predictors: (Constant), PRE_2 b Dependent Variable: RES_2 Coefficients Model (Constant) PRE_2 Unstandardized Standardized Coefficients Coefficients B ,424 Std Error a t Beta ,089 -,004 ,006 a Dependent Variable: RES_2 Collinearity Statistics Sig Tolerance VIF 4,783 ,000 -,042 -,619 ,536 1,000 1,000 PH L C6 KI&M ðNH S> KHÁC BIT V! QUY T ðNH S D NG TH ﾤ ATM CA CÁC NHÓM KHÁCH HÀNG THEO CÁC Y U T NHÂN KHGU HC Gi"i tính: Descriptives QD N Mean Std Std 95% Confidence Interval for Mean Deviation Error Lower Bound Upper Bound Minimum Maximum NAM 103 3,8155 1,03372 ,10186 3,6135 4,0176 1,50 5,00 N3 119 3,4076 1,15891 ,10624 3,1972 3,6179 1,50 5,00 Total 222 3,5968 1,11888 ,07509 3,4489 3,7448 1,50 5,00 Test of Homogeneity of Variances QD Levene Statistic 3,197 df1 df2 Sig 220 ,075 ANOVA QD Sum of Squares Between Groups df Mean Square 9,189 9,189 Within Groups 267,478 220 1,216 Total 276,668 221 F Sig 7,558 ,006 ð tu7i Descriptives QD 95% Confidence Interval for Std N Mean Mean Deviation Error D AI 20 TUI 26 3,0385 ,99923 TY 20 - 29 TUI 97 TY 30 - 39 TUI TY 40 TUI TRW LÊN Total Std Lower Bound Upper Bound Minimum Maximum ,19597 2,6349 3,4421 1,50 5,00 3,5825 1,09848 ,11153 3,3611 3,8039 1,50 5,00 76 3,8092 1,13715 ,13044 3,5494 4,0691 1,50 5,00 23 3,5870 1,11449 ,23239 3,1050 4,0689 2,00 5,00 222 3,5968 1,11888 ,07509 3,4489 3,7448 1,50 5,00 Test of Homogeneity of Variances QD Levene Statistic 1,146 df1 df2 Sig 218 ,331 ANOVA QD Sum of Squares Between Groups df Mean Square 11,556 3,852 Within Groups 265,111 218 1,216 Total 276,668 221 F Sig 3,168 ,025 Trình đ h8c Descriptives QD 95% Confidence Interval for Mean N Mean Std Deviation Std Error Lower Bound Upper Bound Minimum Maximum SAU ðI H=C 11 3,3636 1,02691 ,30963 2,6737 4,0535 2,00 5,00 ðI H=C 72 3,4722 1,13798 ,13411 3,2048 3,7396 1,50 5,00 CAO ðZNG 42 3,9643 ,98397 ,15183 3,6577 4,2709 2,00 5,00 TRUNG C/P 51 3,2255 1,13276 ,15862 2,9069 3,5441 1,50 5,00 KHÁC 46 3,9239 1,06441 ,15694 3,6078 4,2400 1,50 5,00 222 3,5968 1,11888 ,07509 3,4489 3,7448 1,50 5,00 Total Test of Homogeneity of Variances QD Levene Statistic 1,118 df1 df2 Sig 217 ,349 ANOVA QD Sum of Squares Between Groups df Mean Square 19,341 4,835 Within Groups 257,327 217 1,186 Total 276,668 221 F Sig 4,077 ,003 Ngh nghip QD 95% Confidence Interval for Mean N Mean Std Std Lower Upper Deviation Error Bound Bound Minimum Maximum H=C SINH 12 3,1250 1,02525 ,29596 2,4736 3,7764 1,50 5,00 SINH VIÊN 60 3,0500 1,00296 ,12948 2,7909 3,3091 1,50 5,00 CÁN B CÔNG CH!C 65 3,3846 1,14486 ,14200 3,1009 3,6683 1,50 5,00 CÔNG NHÂN 66 4,2803 ,84639 ,10418 4,0722 4,4884 2,00 5,00 THÂT NGHI%P/ NGH& HƯU 10 4,0000 1,10554 ,34960 3,2091 4,7909 2,00 5,00 ,31672 3,2141 4,6748 2,50 5,00 1,11888 ,07509 3,4489 3,7448 1,50 5,00 KHÁC Total 222 3,9444 ,95015 3,5968 Test of Homogeneity of Variances QD Levene Statistic 2,088 df1 df2 Sig 216 ,068 ANOVA QD Sum of Squares Between Groups df Mean Square 57,084 Within Groups 219,584 216 Total 276,668 221 F 11,417 11,230 ,000 1,017 Sig Thu nh p Descriptives QD 95% Confidence Interval for Mean N DƯAI TRI%U Mean Std Std Lower Upper Deviation Error Bound Bound Minimum Maximum 68 3,2794 1,08374 ,13142 3,0171 3,5417 1,50 5,00 TY ð N DƯAI TRI%U 111 3,7297 1,10943 ,10530 3,5210 3,9384 1,50 5,00 TY ð N DƯAI 10 TRI%U 32 3,9062 1,05828 ,18708 3,5247 4,2878 1,50 5,00 TY 10 TRI%U TRW LÊN 11 3,3182 1,23030 ,37095 2,4917 4,1447 2,00 5,00 222 3,5968 1,11888 3,4489 3,7448 1,50 5,00 Total Test of Homogeneity of Variances QD Levene Statistic df1 df2 ,205 ,07509 Sig 218 ,893 ANOVA QD Sum of Squares Between Groups df Mean Square 12,730 4,243 Within Groups 263,938 218 1,211 Total 276,668 221 F 3,505 ,016 Sig ... CU CÁC NHÂN T NG ð NH H N QUY T ðNH S D NG TH ﾤ ATM CA NGÂN HÀNG ðÔNG Á HUYN DUY XUYÊN, TNH QU NG NAM 26 2.1 TÌNH HÌNH S# DNG TH ATM C$A NGÂN HÀNG ðƠNG Á HUY%N DUY XUYÊN T&NH QU'NG NAM ... D NG TH ﾤ ATM CA NGÂN HÀNG ðÔNG Á HUYN DUY XUYÊN, TNH QU NG NAM LUN VĂN THC SĨ TÀI CHÍNH - NGÂN HÀNG ðà Nng - Năm 2016 B GIÁO DC VÀ ðÀO TO ðI HC ðÀ NNG ðOÀN TH M HNH NGHIÊN CU CÁC NHÂN T NH H... NG ð N QUY T ðNH S D NG TH ﾤ ATM CA NGÂN HÀNG ðÔNG Á HUYN DUY XUYÊN, TNH QU NG NAM Chuyên ngành: Tài - Ngân hàng Mã s: 60.34.02.01 LUN VĂN THC SĨ TÀI CHÍNH - NGÂN HÀNG Ng i h ng dn khoa hc: TS