Khóa luận tốt nghiệp Quản trị kinh doanh: Đánh giá hoạt động quản trị rủi ro lãi suất cho vay tại ngân hàng thương mại cổ phần Quân đội - Chi nhánh Huế cho các bạn làm luận văn tham khảo

1. --------- ----------
N T T NGHI I H C
- 2012
2012

2. th c hi
nh c nhi u s .

3. Danh
.....................................................................................................1
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.............................................................................................................2
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4 ..............................................................................................................................3
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i ......................................................................4
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...........................................................................................12
................................................................................................12
...................................................................................12
............................................19
..22
.....................................22
.......................................................................................................25
..............................................................................................29

4. -
-2011 .................................................................................................30
- .................................................................................................33
..........................................33
2.2.1 ..............................................33
2.2.1 ........................................34
-
..................................................................................................................36
-2011 ............................................37
-
-2011 .......................................................................................39
-
..................................................................................................................41
.................................................................41
- ...............................................................................................47
..........................................................................51
..............................................................................51
........................................................................................................................54
............................................................60
..................60
..................60
................................61
.......................................................................................62
........................................................................62
....................................66
- ....................67

5. -
..........................................................................................................69
3.1 .............................................................................................69
...............................................................................................................................69
..................................................................................................................................70
.....................................................................70
i ....................................................71
..........................................................................................................................71
3.2.2
ro ......................................................................................................72
3. ...........72
I: - ....................................................................74
........................................................................................................................74
......................................................................................................................75
.....................................................................................75
......................................................................................75
X

6. ACB
AMC
DG
EIB
GAET
GDP
HFM
IRRR
IRSG
IRU
KHCN
KHDN
MB
MB land
NH
NHNN
NHTM
NHTW
SME : Small and medium
TCB
TCKT
TCTD
TMCP
TNHH
TS
TSC
TP.HCM Minh
VCB
VIB

7. 17
-2011 26
2011 29
-2011 31
- 2011 36
-2011 38
47
-
48
49
- hay
50
52
52
52
53
54
55
56
58
59
- 2011 60
- 2011 60
- 2011 61

8. - 2011 40
- 2011 41
42
ia
43
44
45
46
46
62
62
64
65
5
7
24

9. SVTH - 1
quan
2011).
.

10. SVTH - 2
-
-
-
vay.
- TMCP
-
-
-

11. SVTH - 3
-
-
TMCP -
-
-
-
- - 31/12/2011.
-
-
-

12. SVTH - 4
I

13. SVTH - 5
nh
-
-
-
,23])

14. SVTH - 6
-
-

15. SVTH - 7
)
qua
K
7,6])
gian thanh

16. SVTH - 8
m

17. SVTH - 9
-
+
-
-
-

18. SVTH - 10
-
-
-
-
-
-
-
-
-
-

19. SVTH - 11
-
-
-

20. SVTH - 12
1.1.2
-
-
-
- -
- -
1.1.2.2

21. SVTH - 13
-
-
-
khi thu
-

22. SVTH - 14
h
sau:
-
cho vay

23. SVTH - 15
-
U -
= x 100%
x 100%
-
-
-

24. SVTH - 16
: IRSG = 0 :
: IRSG > 0 :
: IRSG < 0 :

25. SVTH - 17
IRSG = 0
Thu
IRSG >0
IRSG < 0
[7,265])
- x

26. SVTH - 18
-
= x
: DG = 0:
: DG > 0:

27. SVTH - 19
: DG < 0:
-
= x 100%
: IRRR = 1:
: IRRR > 1:
: IRRR < 1:
-

28. SVTH - 20
-
-
ch
-
-

29. SVTH - 21
-
-
-

30. SVTH - 22
oanh
-
-
-
-
-
-
-
-

31. SVTH - 23
- C
-
-
-
-
-
-
-
-
-
Trong t

32. SVTH - 24
.
(
-
-
-
-

33. SVTH - 25
-
-
-
- C
- T
- T
-
-
-
-
-
- ck office (BO):

34. SVTH - 26
-2011
2009 2010 2011
2010/2009 2011/2010
+/- % +/- %
ST % ST % ST %
621.202 100 696.586 100 795.008 100 75.384 12,14 98.422 14,13
105.605 17,0 118.430 17,00 160.194 20,15 12.825 12,14 41.764 35,26
354.085 57,0 371.628 53,35 417.750 52,55 17.543 4,95 46.122 12,41
11.803 1,9 15.255 2,19 16.933 2,13 3.452 29,25 1.678 11,00
149.709 24,1 191.273 27,46 200.131 25,17 41.564 27,76 8.858 4,63
621.202 100 696.586 100 795.008 100 75.384 12,14 98.422 14,13
545.023 87,74 530.125 76,10 696.800 87,65 -14.898 -2,73 166.675 31,44
6.399 1,03 7.871 1,13 8.665 1,09 1.472 23,00 794 10,09
3.420 0,55 6.130 0,88 7.711 0,97 2.710 79,24 1.581 25,79
66.360 10,68 152.460 21,89 81.832 10,29 86.100 129,75 -70.628 -46,33

35. SVTH - 27
621.202 696.586 75.384
hay 12,14
795.008 98.422 14,13
:
-
11.803
15.25 3.452
354.085
17.543
46.122
417.750

36. SVTH - 28
thi
-

37. SVTH - 29
2
2011
2009 2010 2011 2010/2009 2011/2010
SL % SL % SL % +/- % +/- %
53 100 58 100 53 100 5 9.43 -5 -8.62
- Nam 23 43 25 43 23 43 2 8,70 -2 -8
- 30 57 33 57 30 57 3 10,00 -3 -9,09
- 50 94 56 96 51 96 6 12 -5 -8.93
- 0 0 1 2 1 2 1 3 0 0
- 3 6 1 2 1 2 -2 -66,67 0 0

38. SVTH - 30
kinh doanh
2.1.3 -
-2011
-
Hu

39. SVTH - 31
-2011
2009 2010 2011 2010/2009 2011/2010
+/- % +/- %
61.180 74.792 98.653 13.612 22,25 23.861 31,90
23.256 29.456 43.561 6.200 26,66 14.105 47,88
35.300 41.740 51.254 6.440 18,24 9.514 22,79
1.814 2.088 2.805 274 15,10 717 34,34
810 1.507 1.033 697 86,05 -474 -31,45
60.650 71.200 93.561 10.550 17,39 22.361 31,41
30.781 35.261 51.258 4.480 14,55 15.997 45,37
3.532 4.329 6.315 797 22,57 1.986 45,88
3.920 1.860 1.651 -2.060 -52,55 -209 -11,24
22.416 29.750 34.337 7.334 32,72 4.587 15,42
530 3.592 5.092 3.062 577,74 1.500 41,76
139 2.389 3.817 2.250 1618,71 1.428 59,77

40. SVTH - 32
-

41. SVTH - 33
ng.
-
2.2.1
*
-
n 2009 - 2011, c
cho vay.

42. SVTH - 34
g
g.
Ngh
*
720

43. SVTH - 35
p + q = 1 p.q p = q = 0,5 p.q = 0,25. Ta
10%
: C
.
Z2
p (1 - p) 1,96 2
(0,05 x 0,05)
n = = = 96
e2
0,12
2
2
(1 )z p p
n
e

44. SVTH - 36
2.2.2 -
- 2011
2009 2010 2011
380,105 360,521 355,258
373,991 343,672 327,698
6,114 16,849 27,560
: P
*
-
.
. .
.
-
-MB H
.

45. SVTH - 37
-
327. .
-
-
2.2.3 -2011
+
+

46. SVTH - 38
-2011
STT 2009 2010 2011
751.123 793.568 854.493
n 751.123 793.568 854.493
1. 664.913 714.192 772.572
2. 86.210 79.376 81.921
751.123 782.648 854.493
1. 487.500 487.530 528.561
2. 29.250 63.099 45.029
3. 146.250 218.922 237.071
4. 88.123 13.097 43.833
751.123 782.648 854.493
1. 375.263 450.265 490.069
2. 285.000 329.529 333.875
3. _ _ _
4. 90.860 3.123 30.549
: P
- - -
n
-

47. SVTH - 39
-
.
2.2.4 -
-2011
-

48. SVTH-40
*
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
12/5/2008
2/5/2009
4/5/2009
6/5/2009
8/5/2009
10/5/2009
12/5/2009
2/5/2010
4/5/2010
6/5/2010
8/5/2010
10/5/2010
-2011
:

49. SVTH - 41
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
Jul-09Sep-09Nov-09Jan-10M
ar-10M
ay-10Jul-10Sep-10N
ov-10Jan-11M
ar-11M
ay-11Jul-11Sep-11
Cá nhân
- 2011
-
D cao.
-
2.3.1
*
-

50. SVTH - 42
,
- chi

51. SVTH - 43
(N u
4:

52. SVTH - 44
5
*
-

53. SVTH - 45
6:
- -
-
-
15%.
S
D -
-

54. SVTH - 46
(
8:
7:

55. SVTH - 47
-
(KHCN)
cho vay
vay
N 68 68 68 68 68 68 68 68
Skewness -0.933 0.078 0.159 -0.182 -0.074 -0.061 0.481 -0.143
Std. Error of
Skewness
0.291 0.291 0.291 0.291 0.291 0.291 0.291 0.291
Kurtosis 0.858 -1.343 -0.481 -0.182 -0.595 -0.911 -0.205 -0.222
Std. Error of
Kurtosis
0.574 0.574 0.574 0.574 0.574 0.574 0.574 0.574
Th s .
-
-

56. SVTH - 48
-
H0 )
Hi:
)
: K -
(KHCN)
68 3.72 4 0.020
68 3.96 4 0.643
68 3.59 4 0.000
68 3.82 4 0.051
68 4.07 4 0.357
68 4.04 4 0.605
68 3.51 4 0.000
68 3.72 4 0.003
0 1, H3, H5 ,H7, H8

57. SVTH - 49
2, H4, H6 0
(KHDN)
cho vay
vay
N 40 40 40 40 40 40 40 40
Skewness -0.280 -0.523 -0.156 -0.727 -0.709 0.163 -0.950 0.118
Std. Error of
Skewness
0.374 0.374 0.374 0.374 0.374 0.374 0.374 0.374
Kurtosis -0.694 -0.123 -0.561 0.395 -0.928 -1.061 1.857 -0.680
Std. Error of
Kurtosis
0.733 0.733 0.733 0.733 0.733 0.733 0.733 0.733
-
H0 )

58. SVTH - 50
Hi:
)
sample T-
g 10 -
KHDN)
N
40 3.75 4 0.096
40 4.10 4 0.421
40 3.42 4 0.000
40 3.75 4 0.058
40 4.35 4 0.006
n 40 3.53 4 0.005
40 4.08 4 0.520
40 3.90 4 0.352
.
H3, H5, H6
H0 3, H5, H6

59. SVTH - 51
H1, H2, H4, H7, H8 H0
c
- L

60. SVTH - 52
11
2009 23.256 382.345 6,08
2010 29.456 370.313 7,95
2011 43.561 357.890 12,17
12
2009 30.781 545.023 5,65
2010 35.261 537.574 6,56
2011 51.258 653.318 7,85
13
2009 0,43
2010 1,39
2011 4,32
r

61. SVTH - 53
14
2009 380.105 327.000 1.16
2010 360.521 328.000 1.1
2011 355.258 528.027,2 0.67
Kh

62. SVTH - 54
-
-
15
2009 9 3,2 545.023 621.202 6,19
2010 8.7 3,4 530.125 608.302 5,74
2011 9.1 2,8 776.510 795.008 6,37
n
.
(4)

63. SVTH - 55
STT trung
M1 M2 M3 M4 M5
1
0 2 13 41 12 68
3.93
% 0 2.9 19.1 60.3 17.6 100
2
vay
2 5 24 27 10 68
3.56
% 2.9 7.4 35.3 39.7 14.7 100
3
0 3 10 32 23 68
4.11
% 0 4.4 14.7 47.1 33.8 100

64. SVTH - 56
nh
7
1 2 3 4 5
25 27 13 3 0 40
% 36.8 39.7 19.1 4.4 0 100
3 5 13 30 17 40
% 4.4 7.4 19.1 44.1 25 100
2 12 30 16 8 40
% 2.9 17.6 44.1 23.5 11.8 100
0 5 6 14 43 40
% 0 7.4 8.8 20.6 63.2 100
37 20 7 4 0 40
% 54.4 29.4 10.3 5.9 0 100
.

65. SVTH - 57
ng
t

66. SVTH - 58
18
STT trung
M1 M2 M3 M4 M5
1
0 3 9 18 10 40
3.88
% 0 7.5 22.5 45.5 25.0 100
2
vay
0 4 5 15 16 40
4.08
% 0 10.0 12.5 37.5 40.0 100
3
0 2 16 14 8 40
3.70
% 0 5.0 40.0 35.0 20.0 100
du

67. SVTH - 59
19
1 2 3 4 5
5 9 16 6 4 40
% 12.5 22.5 40.0 15.0 10.0 100
6 2 11 13 9 40
% 15.0 5.0 25.0 32.5 22.5 100
8 14 8 6 4 40
% 20 35 20.0 15.0 10.0 100
2 3 3 11 21 40
% 5.0 7.5 7.5 27.5 52.5 100
19 13 3 4 1 40
% 47.5 32.5 7.5 10.0 2.5 100

68. SVTH - 60
.
.
C
20: - 2011
2009 2010 2011
545.023 530.125 776.510
408.750 410.000 660.034
136.273 120.125 116.477
21 - 2011
2009 2010 2011
380.105 360.521 355.258
254.894 216.243 217.645
125.211 122.451 129.851

69. SVTH - 61
N
22 - 2011
2009 2010 2011
380.105 360.521 355.258
545.023 530.125 776.510
69,74 68,01 45,75
-

70. SVTH - 62
2.3.7
9
( 2012)

71. SVTH - 63
3,68.
1.00 -
1.81 -
2.61 -
3.41 -
4.21 -
r

72. SVTH - 64
82,5%.
11

73. SVTH - 65
.
12 ng

74. SVTH - 66
b
L

75. SVTH - 67
tr
2.4
-

76. SVTH - 68
*
r

77. SVTH - 69
-
-
+
+
-
+
-C
-
-
+
+
+
-

78. SVTH - 70
-
+ Ch
+
+
-
doanh. Trong

79. SVTH - 71

80. SVTH - 72
3.2.2
,
c gia:

81. SVTH - 73
t
-
-
-
-

82. SVTH - 74
-
-

83. SVTH - 75
-
-
-
-
-
-

84. 1.1
!
:
-
gian .
Xin ( .
---------------------------------
k :
...................................................................................................................................................
:
1. 2.
3. 4.
1. 2.
1. 2.
1. 2.
3. 4.
5.
1. 2.

85. :
1 - 5 - )
7.1 1 2 3 4 5
7.2. 1 2 3 4 5
7.3 (
(d )
1 2 3 4 5
7.4 1 2 3 4 5
7.5 1 2 3 4 5
7.6 1 2 3 4 5
7.7
1 2 3 4 5
7.8 1 2 3 4 5
( 1 - 5 - )
8.1 1 2 3 4 5
8.2 1 2 3 4 5
8.3 1 2 3 4 5
!

86. 1.2
p!
:
-
gian .
Xin ( .
---------------------------------
...................................................................................................................................................
...................................................................................................................................................
1. 2. -
3. - t 4.
1. 2.
u 4.
1. 2.
1. 2.
3. 4.
5.
1. 2.

87. :
1 - 5 - )
C
7.1 1 2 3 4 5
7.2. 1 2 3 4 5
7.3 (
(d )
1 2 3 4 5
7.4 1 2 3 4 5
7.5 1 2 3 4 5
7.6 1 2 3 4 5
7.7
doan
1 2 3 4 5
7.8 1 2 3 4 5
( 1 - 5 - )
8.1 1 2 3 4 5
8.2 1 2 3 4 5
8.3 1 2 3 4 5
1
!

88. Frequency Percent
Valid
Percent
Cumulative
Percent
Valid tu doanh 37 54.4 54.4 54.4
can bo, cong chuc 25 36.8 36.8 91.2
huu tri 1 1.5 1.5 92.6
khac 5 7.4 7.4 100.0
Total 68 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid duoi 6 thang 19 27.9 27.9 27.9
tu 6 thang tro len 49 72.1 72.1 100.0
Total 68 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 6 8.8 8.8 8.8
khong 62 91.2 91.2 100.0
Total 68 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 68 100.0 100.0 100.0

89. N Valid 68
Missing 0
Mean 3.6765
Frequency Percent Valid Percent
Cumulative
Percent
Valid hoan toan khong 2 2.9 2.9 2.9
khong thuong xuyen 7 10.3 10.3 13.2
binh thuong 12 17.6 17.6 30.9
thuong xuyen 37 54.4 54.4 85.3
rat thuong xuyen 10 14.7 14.7 100.0
Total 68 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 54 79.4 79.4 79.4
khong 14 20.6 20.6 100.0
Total 68 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 25 36.8 36.8 36.8
2 27 39.7 39.7 76.5
3 13 19.1 19.1 95.6
4 3 4.4 4.4 100.0
Total 68 100.0 100.0

90. Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 3 4.4 4.4 4.4
2 5 7.4 7.4 11.8
3 13 19.1 19.1 30.9
4 30 44.1 44.1 75.0
5 17 25.0 25.0 100.0
Total 68 100.0 100.0
2.10
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 2 2.9 2.9 2.9
2 12 17.6 17.6 20.6
3 30 44.1 44.1 64.7
4 16 23.5 23.5 88.2
5 8 11.8 11.8 100.0
Total 68 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid 2 5 7.4 7.4 7.4
3 6 8.8 8.8 16.2
4 14 20.6 20.6 36.8
5 43 63.2 63.2 100.0
Total 68 100.0 100.0

91. Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 37 54.4 54.4 54.4
2 20 29.4 29.4 83.8
3 7 10.3 10.3 94.1
4 4 5.9 5.9 100.0
Total 68 100.0 100.0
doi
tuong
khach
hang
quy mo
khach
hang
khach
hang
cu,
moi
muc
dich su
dung
von
ky han
cho vay
hinh
thuc
vay
tinh
hinh
khach
hang
bien
dong
lai suat
thi
truong
N Valid 68 68 68 68 68 68 68 68
Missing 0 0 0 0 0 0 0 0
Mean 3.7206 3.9559 3.5882 3.8235 4.0735 4.0441 3.5147 3.7206
Skewness -.933 .078 .159 -.182 -.074 -.061 .481 -.143
Std. Error of Skewness .291 .291 .291 .291 .291 .291 .291 .291
Kurtosis .858 -1.343 -.481 -.182 -.595 -.911 -.205 -.222
Std. Error of Kurtosis .574 .574 .574 .574 .574 .574 .574 .574
N Mean Std. Deviation
Std. Error
Mean
doi tuong khach hang 68 3.7206 .72987 .08851
quy mo khach hang 68 3.9559 .78100 .09471
khach hang cu, moi 68 3.5882 .79617 .09655
muc dich su dung von 68 3.8235 .73182 .08875
ky han cho vay 68 4.0735 .65372 .07928
hinh thuc vay 68 4.0441 .70040 .08494
tinh hinh khach hang 68 3.5147 .70165 .08509
bien dong lai suat thi truong 68 3.7206 .75004 .09096

92. -
(KHCN)
One-Sample Test
Test Value = 4
t df
Sig. (2-
tailed)
Mean
Difference
95% Confidence Interval
of the Difference
Lower Upper
doi tuong khach hang -3.157 67 .002 -.27941 -.4561 -.1027
quy mo khach hang -.466 67 .643 -.04412 -.2332 .1449
khach hang cu, moi -4.265 67 .000 -.41176 -.6045 -.2191
muc dich su dung von -1.988 67 .051 -.17647 -.3536 .0007
ky han cho vay .928 67 .357 .07353 -.0847 .2318
hinh thuc vay .519 67 .605 .04412 -.1254 .2137
tinh hinh khach hang -5.703 67 .000 -.48529 -.6551 -.3155
bien dong lai suat thi
truong
-3.072 67 .003 -.27941 -.4610 -.0979
luc chon ngan hang
vay
gia tri cua
khoan vay
duy tri quan he
doi voi ngan
hang
N Valid 68 68 68
Missing 0 0 0
Mean 3.9265 3.5588 4.1029
KHCN
Frequency Percent Valid Percent
Cumulative
Percent
Valid it anh huong 2 2.9 2.9 2.9
binh thuong 13 19.1 19.1 22.1
anh huong 41 60.3 60.3 82.4
hoan toan anh huong 12 17.6 17.6 100.0
Total 68 100.0 100.0

93. Frequency Percent
Valid
Percent
Cumulative
Percent
Valid hoan toan khong anh huong 2 2.9 2.9 2.9
it anh huong 5 7.4 7.4 10.3
binh thuong 24 35.3 35.3 45.6
anh huong 27 39.7 39.7 85.3
hoan toan anh huong 10 14.7 14.7 100.0
Total 68 100.0 100.0
KHCN
Frequency Percent Valid Percent
Cumulative
Percent
Valid it anh huong 3 4.4 4.4 4.4
binh thuong 10 14.7 14.7 19.1
anh huong 32 47.1 47.1 66.2
hoan toan anh huong 23 33.8 33.8 100.0
Total 68 100.0 100.0
3.1 KHD
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 16 40.0 40.0 40.0
khong 24 60.0 60.0 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 11 27.5 27.5 27.5
khong 29 72.5 72.5 100.0
Total 40 100.0 100.0

94. Frequency Percent Valid Percent
Cumulative
Percent
Valid co 21 52.5 52.5 52.5
khong 19 47.5 47.5 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 2 5.0 5.0 5.0
khong 38 95.0 95.0 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid duoi 6 thang 6 15.0 15.0 15.0
tu 6 thang tro len 34 85.0 85.0 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 2 5.0 5.0 5.0
khong 38 95.0 95.0 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 40 100.0 100.0 100.0

95. N Valid 40
Missing 0
Mean 4.1500
Frequency Percent Valid Percent
Cumulative
Percent
Valid khong thuong xuyen 2 5.0 5.0 5.0
binh thuong 4 10.0 10.0 15.0
thuong xuyen 20 50.0 50.0 65.0
rat thuong xuyen 14 35.0 35.0 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid co 33 82.5 82.5 82.5
khong 7 17.5 17.5 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 5 12.5 12.5 12.5
2 9 22.5 22.5 35.0
3 16 40.0 40.0 75.0
4 6 15.0 15.0 90.0
5 4 10.0 10.0 100.0
Total 40 100.0 100.0

96. Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 6 15.0 15.0 15.0
2 2 5.0 5.0 20.0
3 10 25.0 25.0 45.0
4 13 32.5 32.5 77.5
5 9 22.5 22.5 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 8 20.0 20.0 20.0
2 14 35.0 35.0 55.0
3 8 20.0 20.0 75.0
4 6 15.0 15.0 90.0
5 4 10.0 10.0 100.0
Total 40 100.0 100.0
Frequency Percent Valid Percent
Cumulative
Percent
Valid 1 2 5.0 5.0 5.0
2 3 7.5 7.5 12.5
3 3 7.5 7.5 20.0
4 11 27.5 27.5 47.5
5 21 52.5 52.5 100.0
Total 40 100.0 100.0

97. Frequency Percent Valid Percent
Cumulative
Percent
Valid
1 19 47.5 47.5 47.5
2 13 32.5 32.5 80.0
3 3 7.5 7.5 87.5
4 4 10.0 10.0 97.5
5 1 2.5 2.5 100.0
Total 40 100.0 100.0
doi
tuong
khach
hang
quy
mo
doanh
nghiep
khach
hang
cu,
moi
muc
dich
su
dung
von
ky
han
cho
vay
hinh
thuc
vay
tinh
hinh
khach
hang
bien
dong
lai suat
thi
truong
N Valid 40 40 40 40 40 40 40 40
Missing 0 0 0 0 0 0 0 0
Skewness -.280 -.523 -.156 -.727 -.709 .163 -.950 .118
Std. Error of Skewness .374 .374 .374 .374 .374 .374 .374 .374
Kurtosis -.690 -.123 -.561 .395 -.928 -1.061 1.857 -.680
Std. Error of Kurtosis .733 .733 .733 .733 .733 .733 .733 .733
(KHDN)
N Mean Std. Deviation
Std. Error
Mean
doi tuong khach hang 40 3.7500 .92681 .14654
quy mo doanh nghiep 40 4.1000 .77790 .12300
khach hang cu, moi 40 3.4250 .84391 .13343
muc dich su dung von 40 3.7500 .80861 .12785
ky han cho vay 40 4.3500 .76962 .12169
hinh thuc vay 40 3.5250 1.01242 .16008
tinh hinh khach hang 40 4.0750 .72986 .11540
bien dong lai suat thi truong 40 3.9000 .67178 .10622

98. One-Sample T-test
(KHDN)
One-Sample Test
Test Value = 4
t df
Sig. (2-
tailed)
Mean
Difference
95% Confidence Interval
of the Difference
Lower Upper
doi tuong khach hang -1.706 39 .096 -.25000 -.5464 .0464
quy mo doanh nghiep .813 39 .421 .10000 -.1488 .3488
khach hang cu, moi -4.309 39 .000 -.57500 -.8449 -.3051
muc dich su dung von -1.955 39 .058 -.25000 -.5086 .0086
ky han cho vay 2.876 39 .006 .35000 .1039 .5961
hinh thuc vay -2.967 39 .005 -.47500 -.7988 -.1512
tinh hinh khach hang .650 39 .520 .07500 -.1584 .3084
bien dong lai suat thi
truong
-.941 39 .352 -.10000 -.3148 .1148
lua chon ngan
hang vay
gia tri cua khoan
vay
duy tri quan
he doi voi
ngan hang
N Valid 40 40 40
Missing 0 0 0
Mean 3.8750 4.0750 3.7000
Frequency Percent Valid Percent
Cumulative
Percent
Valid it anh huong 3 7.5 7.5 7.5
binh thuong 9 22.5 22.5 30.0
anh huong 18 45.0 45.0 75.0
hoan toan anh huong 10 25.0 25.0 100.0
Total 40 100.0 100.0

99. Frequency Percent Valid Percent
Cumulative
Percent
Valid it anh huong 4 10.0 10.0 10.0
binh thuong 5 12.5 12.5 22.5
anh huong 15 37.5 37.5 60.0
hoan toan anh huong 16 40.0 40.0 100.0
Total 40 100.0 100.0
KHDN
Frequency Percent
Valid
Percent
Cumulative
Percent
Valid it anh huong 2 5.0 5.0 5.0
binh thuong 16 40.0 40.0 45.0
anh huong 14 35.0 35.0 80.0
hoan toan anh huong 8 20.0 20.0 100.0
Total 40 100.0 100.0

100. [2]
<http://tintuc.vibonline.com.vn/Home/Y-kien-chuyen-gia/4614/Tai-cau-truc-he-
thong-ngan-hang-Viet-Nam-theo-huong-nao>
<http://vnexpress.net/gl/kinh-doanh/2011/02/3ba260da/
<http://dantri.com.vn/c76/s76-508714/rui-ro-lai-suat-va-ty-gia-keo-dai-doanh-nghiep-
ung-pho-ra-sao.htm
ill (2010),
trong kinh doanh
.