bÀi bÁo_10trang (1)
TRANSCRIPT
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Tc gi: n nLp: 08TC118Khoa: Ti chnhNgn hngn i Hc Lc HngEmail:[email protected]
Tm tt
.
1 T V .Trong n
huy Chi nhnh T e : ngn hng Bi bo nghin cu khoa hc gm 4 ph :
t v . hp nghin cu.3. Kt qu.
4. Bn lun.2 U.
2.1 Thu thp dliu. ng nghin cu: ng vn ti
- Dliu thcp:
- Dli p: c sdng trong nghin c c thu thp qua phng vn trc tip
v gi bng cu hi c thc hi : Nghin c : c thc hin thng qua phng vn trc tip 10 - 20 khch
khai thc nhng v tinghin cu, kt quca ln nghin cu ny l mt bng cu h i hon chnh.
Nghin cu chnh thc: u phng vn trc tip 50 khch hng nhm ki nh li ngn ng cu trc trnh by bng
mailto:[email protected]:[email protected]:[email protected]:[email protected] -
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cu hi phng v ng bng cu hi c hiu ch ti u tra thuthp dliu vi cmu l 200 phiu.
a bn kho st: hnh phBin Ha ng kho st: n giao dch
ti phn l i dn sng trna bn thnh phBin Ha.
P n mu:chn mu thun tin. Thi gian kho st:t15/03/2012 n 05/04/2012
2.2 Thit knghin cu.Bc 1: Nghin cu s bbng nh tnh.A.Th un un g.
B.n n g u.
: (a) n ngn ng
:
H1:
(b) ng nn n
:
H2:
(c)n
:
H3:
(d) g gn g .
:
H4: .
(e) n s su
:
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H5: .
(f) n s u ng ung b n n
e
: H6: .
(g) ng
:
H7: .
(h) sn u ng n ng
e :
Y:
C. un n.
-
e e
D. n ngn u ng
( ) n ngn u ng.
Bc 2: Nghin cu chnh thcbn n lng thng qua bng cu hi.Ki nh m hnh b n vi m %
c thc hin vi shtrca phn mm SPSS 20.0.
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Theo quy lut tng qut cho cmu ti thiu ph hp cho h n l gp 5 lnsbin quan st. M hnh nghin c ng c 35 bi y sngm ng ti thiu l 175 mu.
y mu thun ti c sd thu thp dliu.2.3Png xl vphn tch sl iu:
Cc dliu sau khi thu thp sc lm sch, xl v phn tch vi shtrca phn
mm SPSS 20.0 x l kt qukho st v phn tch cc yu t, m ng catng yu tn ng vn ca . n xt da trn kt quphn tch, t xut ki gp phn pht trin hotng ng vn ca ngn hng.3. KT QU.
3.1 Thc trng ho ng u ng n bn nn 3.1.1
2010, 2011.
419
404,419 ,669
n 2
:
: 248,075 315,384 ,718
N 127,133% % ,035
3.1.3
Bng 1 ng u ng ngun n gn:
(Ngun: Bo co ngun vn ti CN)
Bu 1 n n ng ng ngun n
(Ngun: Bo co ngun vn ti CN)
Bu u ngun n u n
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m2009
n(%)
m2010
n(%)
m2011
n(%)
1 n n 299,972 100 453,317 100 558,068 1002n n 280,284 93,437 419,794 92,60 515,858 92,443n n n 390 0,13 560 0,124 680 0,1224n n on 19,298 6,433 32,963 7,27 41,53 7,44
( P e % chinh ,298 ,963 ,53
th 3.2 ng u ng n n nn .
6 th hin - - %
% e 3.2 Kt qunghin cu kho st thc t.
n mu thun ti c sdng cho nghin cu. C 200 bng cu hiphng v c pht ra cho 200 khch hng ng dng th thanh ton. Kt quthu l c 188 bng trl t tlh ng 94%. Sau khi thu thp v kim tra, trong188 bng tr l c, c 13 bng trli b loi do c nhiu tr uny c cmu l 175.
3.2.1 Kt qu n kho st thc t.Bng 2 ng ng n ng g s tui vgii tnh.
n nNam
% N te % e % e
- 23 25.0% 20 24.1% 43 24.6% - 29 31.5% 27 32.5% 56 32.0% - 23 25.0% 18 21.7% 41 23.4% 17 18.5% 18 21.7% 35 20.0%n n 92 100.0% 83 100.0% 175 100.0%
P
(Ngun: Bo co ngun vn ti CN)Bu n n u n - - nun
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: % % % 100%, 41 % % % %
Bng 3 ng u n ng ng ng n
16 9,1 9,1 9,1- 54 30,9 30,9 40,0- 58 33,1 33,1 73,1- 22 12,6 12,6 85,7 25 14,3 14,3 100,0n n 175 100,0 100,0
P
3 100 % % ng, 30,9 % % % 14,3 %
Bng 4:ng s ng ng s ng ng bn
P 4
m 76,7 % % 4 % %.3.2.2 m n
Bng 5: Tm tt m hnh R R R 1 ,842
a ,709 ,697 ,55071878
5 (Tm tt m hnh) e Adjusted R Square =
0,697 % e % %
6, q e %
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Bng s u
t
Sliu thngk cng tuyn
B
Beta Dung
sai
VIF
1
(Constant) 2.169E-016 ,042 ,000 1,000
F1 ,193 ,042 ,193 4,623 ,000 1,000 1,000
F2 ,187 ,042 ,187 4,487 ,000 1,000 1,000
F3 ,232 ,042 ,232 5,553 ,000 1,000 1,000
F4 ,318 ,042 ,318 7,611 ,000 1,000 1,000
F5 ,650 ,042 ,650 15,570 ,000 1,000 1,000
F6 ,231 ,042 ,231 5,531 ,000 1,000 1,000
F7 ,077 ,042 ,077 1,846 ,067 1,000 1,000
.
e e [19]. 077
e
u n n ng.
4. BN LUN.4.1 Hn nn
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e
e
4.2 Cc gii php chyu.4.2.1
4.2.2 ,
vin
4.2.3
e
4.2.4Nng cao nghip v
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e e
4.2.5
sn phm, dch v. n
e
e e
n th ohi
4.2.6 Thtc v thi gian giao dch
e
4.3 m nng cao
kh ng v :4.3.1
Ti trcho m n sut xut hin cao, thu ht stheo di ca
o c i dn.e
e
4.3.2 P :
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:
:
e
TI LIU THAM KHO[1].N Bo co kt quho ng
m v, gi [2] Bo co phn tch ti chnh
010
[4] (2008), ng ca l n ho ng kinh doanh ngn hng, bo
him v chng khon Vit Nam hin nay, Hc Vin Ti chnh, thng 10/2008, truy cp
ngy 06/04/2012, .
http://www.vietinbank.vn/web/home/vn/research/08/081020.htmlhttp://www.vietinbank.vn/web/home/vn/research/08/081020.html