Phân tích các yếu tố ảnh hưởng đến khả năng trả nợ vay của khách hàng cá nhân tại Ngân hàng TMCP sài Gòn Thương Tín - Chi nhánh Trà Vinh=A study on the factors affecting the ability of individual customers to repay loans at the Saigon Thuong Tin Commercial Joint stock Bank

Phân tích các yếu tố ảnh hưởng đến khả năng trả nợ vay của khách hàng cá nhân tại Ngân hàng TMCP sài Gòn Thương Tín - Chi nhánh Trà Vinh=A study on the factors affecting the ability of individual customers to repay loans at the Saigon Thuong Tin Commercial Joint stock Bank - Tra Vinh Branch

3 Người đánh giá. Xếp hạng trung bình 3

Tác giả: Thị Phúc Nguyễn, Thị Thu Hiền Phạm

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Công thương, 2024

Mô tả vật lý: tr.279-283

Bộ sưu tập: Metadata

ID: 152301

Thêm vào giỏ

Nghiên cứu tập trung “phân tích các yếu tố ảnh hưởng đến khả năng trả nợ vay của khách hàng cá nhân tại Ngân hàng TMCP Sài Gòn Thương tín - chi nhánh Trà Vinh (Sacombank Trà Vinh)” thông qua dữ liệu được thu thập từ cuộc khảo sát 215 khách hàng cá nhân đã và đang vay vốn tại Sacombank Trà Vinh. Kết quả hồi quy Binary Logistic cho thấy có 05 yếu tố ảnh hưởng đến khả năng trả nợ vay của khách hàng cá nhân tại Sacombank Trà Vinh như lịch sử nợ quá hạn, thu nhập, sử dụng khoản vay đúng mục đích, lãi suất, số tiền vay và 01 yếu tố trình độ học vấn không có ý nghĩa thống kê. Trên cơ sở đó, tác giả đề xuất một số giải pháp nhằm nâng cao khả năng trả nợ vay của khách hàng cá nhân tại Sacombank Trà Vinh trong thời gian tới.This study analyzed the factors affecting the ability of individual customers to repay loans at the Saigon Thuong Tin Commercial Joint Stock Bank - Tra Vinh Branch (Sacombank - Tra Vinh Branch). The study’s data was collected f-rom a survey of 215 individual customers who have borrowed money f-rom Sacombank - Tra Vinh Branch. The study’s binary logistic regression results showed that there are five factors affecting the ability to repay loans of individual customers at Sacombank - Tra Vinh Branch, such as overdue debt history, income, using the loan for the right purpose, interest rate, and loan amount. The study also found that the educational level of customers does not have a statistically significant impact on their ability to repay loans. Based on the study’s findings, some solutions were proposed to improve the ability of individual customers to repay loans at Sacombank - Tra Vinh Branch in the coming time.

1. Đọc trực tuyến

1. Đọc trực tuyến

Tạo bộ sưu tập với mã QR