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TAC DONG CUA CAC NHAN TO TCfl PHAT TRIEN DICH VU THE CUA NGAN HANG THl/CfNG MAI CO PHAN CONG THUOfNG VIET NAM TAI BAC NINH
• NGUYEN TH! MINH THAO - DO TH! VIET HANG - NGUYEN TH! TO LY - BUI TH! XUAN
T 6 M T A T :
Viec nghien cu'u ddnh gid tde ddng cua cdc nhan td'tdi phdt trien dich vu the ludn dydc cdc ngan hang thydng mai quan tam, bdi nd quyet dinh tdi dinh hydng phdt trien cua djch vu nay tai cdc dia phydng. Viec su'dung phan tich dinh lypng vdi md hinh phat hien nhdn id'(EFA) \k khd phii hdp. dam bao tinh rieng cd trong tyng loai hinh khao sdt \ a tifng dia ban dan cy.
Nghien cijti dydc thu thap tren dia ban tinh Bae Ninh vao nam 2019 nhdm ddnh gid kha ndng tdcdpngcuacacnhan td'tdi phdt trien djch vu the ciia Ngan hang Thu'dng mai cd phan(TMCP) Cdng Thydng Viet Nam. Ty dd, tac gia chi ra md hinh anh hirdng \a de xua't cdc giai phdp trong Uidi gian tdi.
Tuf khoa: Dich vu the, ngan hang, md hinh phal hien nhdn to', nhan to anh hydng.
LDdtvS'nde
Cung vdi sy phat trien manh me cua cdng nghe ihong tin. cac loai hinh dich vu ngan hang d nydc ta dang ngay cang du'de da dang hda. Cac phifdng lien Ihanh todn khdng dting tien mdt dang dan thay doi cdban cudc sdng \a nhan thtfc ciia ngydi dan. Mdi trong sddd. phai ke den la loai hinh the ngdn hang.
Djch vu the cd yu the nhieu mat trong \iec dida man nhu cau cua khach hang vi tinh tien dung va an loSn cua nd. Mdi ngan hang deu cd nhffng chien liftic rieng nhdm chie'm ITnh thi trydng va phat trien thu'dng hieu dich \ u the cua minh.
Bdc Ninh la tinh dyng thii" 30 ve sddan, xep thd 6 ve tdng san pham tren dia ban (GRDP), xep thtf 2 ve GRDP binh quan dau ngydi. dyng thd 7 ve td'c do tang trydng GRDP. Vdi 1.247.500 ngddi dan, GRDP dat 187.200 li ddng (OTdng dng \di 8.1303 li USD), GRDP binh quan dau ngddi dat 150,1 meu ddng (tu'dng yng vdi 6.519 USDi. td'c dd tang trddng GRDP dat lO.dO^r Ben canh dd. Bdc Ninh cd 15khu cdng nghiep (KCN i tap trung. 1 khu cdng nghe thdng dn \a hdn 30 cum cdng nghiep. Dac biet. \ lOc thu hiit dydc cac tap doan ldn dau td tren dia ban. nhy Samsung. Canon. Foxconn. Vinamilk.... da giup Bae
TAP C l l CONG THUOfie
Nmh trd Uianh mdt trong nhffng tinh cd kinh te ndng dpng. td'c do tang tru'dng ldn trong ca nu'dc. Day la nhffng dieu kien thuan Idi de phdt trien dich vu the.
Ngan hang T M C P Cdng Thddng Viet Nam (Vieiinbank) ludn quan tdm phdt trien da dang cdc loai hinh dich vu. trong dd cd dich vu the. de ddp dng nhu cau ngay cang tdng ciia dia phydng. Tuy nhien, hoat ddng djch vu the ciia Vietinbank dang phai dd'i mdt vdi nhieu khd khdn vd phai canh tranh gay gat vdi hdn 30 ngan hang T M C P cd mat tren dja ban tinh. nhif: Vielcombank. Agribank. B I D V . M B bank. Ddng A Bank. Sacomank....
Bdi viet de cap tdi hoat ddng phat trien djch \ u the cua Ngdn hang T M C P Cdng Thddng Viet Nam tren dia ban tinh Bde Ninh bdng phddng phap nghien cdu dmh Iddng. Nghien cdu dddc thyc hien vdi cac muc dich: (1) Xdc dmh vii danh gia cdc nhan t d a n h hydng de'n phdt trien dich vu the ngan hdng. (2) Diinh gid mdc do dnh hddng cua mdi nhan td'tdi syphdt tnen dich vu va (3) Dya ra cac khuyen nghj phu hdp vdi Ngan hang T M C P Cdng Thddng Vict Nam trong viec phdt tnen dich vu the trong thdi gian tdi.
2. C d sd ly thuye't va mo hinh nghi&n cti^u
2.1. Ccf sd ly thuyet ve phdt trien dich vu the cda ngdn hdng thiicfiig mai
The ngan hang (tien dicn lit) la phddng tien thanh loan hien dai nha't tren the gidi hien nay. ra ddi iff phddng thffc mua ban chiu hang hod ban le va phdt tricn gdn lien \ d i ffng dung cdng nghe tin hoc. Theo Quy che phal hanh. sff dung \ a cung cap dich
\ u hd Ird boat ddng the ngdn hang ban hanh kem theo Quyet dinh sd 20/2007/QD - N H N N iigLi\ 15/5/2007 cua Thdng ddc Ngan hang Nha nddc Viet Nam. thi The ngan hang "la phddng tien do td chdc phdt hanh the phdt hanh de thyc hien giao dich the Uieo cdc dieu kien va dieu khoan dydc cac ben thda thuan".
Dieh vu the ngan hang la cdng cu thanh todn do ngan hang phal hanh the ( N H P H T l cap cho khdch hang de sSdung thanh toan hang hod dich vu hodc
nit tien mat trong pham vi so dff lien gdi cua minh hodc han mdc tin dung du'de cap theo hdp ddng k\
ket giffa N H P H T \ a chu the. The cdn dffdc dung de thyc hien cdc dich \ u thdng qua he thd'ng giao dich t y ddng hay cdn goi la he thd'ng phue vu A T M . Cd sd chap nhan the va ddn vi cung ffng djch vu n i l tien mat, ddi tien chu the thdng qua ngan hdng thanh todn the ( N H T T T ) \ a NHPHT. Dich vu the ngan hang bao gdm ba dac diem cd ban: ( I ) san pham vd hinh; (2) dich vu khdng ddng nha't; va (3) san xuii'l vd tieu thu dd'i vdi dich vu nay khdng the tach rdi.
Vai trd cua dich vu the dd'i vdi hoat ddng kinh doanh ctia ngan hang: Tdng thu nhap cho ngan hang; Thiic day ngan hdng hidn dai hda cdng ngh§;
Da dang hda cac djeh v u , ddp dng ngay cdng td't hdn cdc nhu cau eua ngddi dan vd tdng tinh canh tranh; Tang ngudn huy ddng vdn; M d rgng san pham cho vay; M d rgng tie'n tdi hoan thien tien ich thanh todn cua ngan hang.
2.2. Mo hinh vd gid thuyet nghien cdu M d hinh nghien cffu xem xdt dnh hddng cua 8 nhdm nhan to' tde ddng cung chieu (tddng quan +) de'n phdi tnen djch vy the bao gdm:
Wnh 1: M o hinti nghien cifu cac nhan to ant} hU&ng den phat trien djch vu the
[ Chinh sach cua ngan hang
3. Phtfrfng phap nghien ci?u
3.1. Phdt trien bdng hdi vd Itta chgn thang do Cac bien quan sat trong iffng nhan t d cua md hinh nghien cdu difOc xay difng difa tren viec phdng van chuyen gia ^ id cdn bd quan iri cao ca'p cua Vietinbank. Thang do danh gid cac bidn quan sdt dddc lya chgn la thang do L i k e n 5 didm. Ngi dung cdc bien quan sat trong tffng n l , , , ! id' va bien phu diudc sau dieu chinh, nhy Ban'j I
TAI CliNH-NBAN HANG-BAO IIEM
Bang 1. Cac bien quan sdt
n
1 Ma lua
KT
^ 1 1 KT1
1 2
3 4 5
1 ° '
II 8 9 10 III 11 12 13
i '''
IV
^
16 17 18 V
20 21 22 VI 23 24 25
KT2 KT3 KT4 KT5 KT6 KT7 RR RR1 RR2 RR3 NL NL1 NL2 NL3 NL4 TC TCI TC2 TC3 TC4 CS CSI CS2 CSS CS4 XH XHl XH2 XH3
CacnhSnto Trinh dOl^thu^t
The sd dung cdng nghe ky thuat tien tien The tich hop nhieu djch vy di kem
Toe dp thyc thien cac giao dicti cua the tren he thongATM Toe dd xd ly nhdng yeu cau khieu nai cua khach hang H$ thdng cdng nghe xd ly cac giao dich thanh loan the He thdng may ATM hoat dgng thdng suot Giao dien may ATM de'sCi dgng Quan tf) nJi ro ho^ d^g Dd an toan trong tdng ISn giao djch 06 an toan thdng tin chCi the, so du tai khoan Bao m|t mdt khau the
Nguon nhan lyc
Trinh dd, kha nang truyen dat cua nhan vien giao d]ch Nang luc ciia ky thuat vien the
Thai do cua nhan vien tai giao dich quay khi thuc hien cac giao djch cho KH the.
Thai dd cua nhan vien tong dai/ hotline khi giai dap, ho'tro cac yeu cau ciia khach hang.
Nang luc tai chlnh Ti^m lyc tai chinh ciia Vietinbank Co sd vat chat ngan hang hi&n dai He thdng ATM/POS rdng khap
Mang ludi phdng giao djch day dac, thuan tien cho giao djch Chfnh sach cua Ngan hang
Gia thuyet
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i
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Xay dung niem tin, Idng tnjng thanh cua khach hang Tmyen thdng, marketing rdng rai
Lien ket vdi cac to chdc, doanh nghiep de day manh thanh toan the Cac chddng trinh uu dai cho khach hang
Mdl tnfdng kinh te xa h$i Mdc song cua ngi/di d§n Thdi quen tieu diing cua ngudi dan Trinh do dan tri nang cao
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So 10-Thang 5/2020 301
TAP CIJ cone THl/ONE
TT ; Mahda
Vil DT £>di thu canh tranh
Bang I . C d c bie'n q u a n sdt
Cac nhantd Giathuygt I
26 27 28 VIII 29 30 31
32 DTI DT2 DT3 PL PLl PL2 PL3
ThUdng hieu hinh anh Viet,nbanl( trong he thong NHTM Cac ngan hang md rang phat trien dich vu the Bieu phi djch vu the giQa cac ngan hang Moi tnfcfng phap ly
Chinh sach ho'tn?, khuyen khich thyc hien giao dich the
Trinh tu thu tuc hanh chinh don gian, quy che thong thoang cua NHNN trong phat hanh th6.
Hoan thi#n h$ thong phap iuat nha nudc v l SLI dyng va Ihanh toan the Nhom nhan to phu thu^c
PT i Phat trien djch vy the
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3.2. Tdiigth^, man nghien ciiu va phiitfngphdp thu thap ditli^ii
Kieh thifde mau phu thuoc vao phirong phap phan tich. nghien cdu nay sifdung phan tich nhdn id' khdm phd (EFA). Trong dieu kien nghien cdu han che', nhdm nghien culj chon 100 mau dai dien lay theo cdca'u khdch hang.
Ddc dicm mau nghien cu'u: Vdi 100 mdu nghien cdu, cd 6 6 ^ la khach hang nam gidi va 3Vi la khdch hang nd gidi. Vdi do tuoi trung bmh la 3? - A> tuoi (chiem 3^'<). chiem 2'^'"< la nhdng khdch hanged do tuoi td 2."^ - .^5'^;:irCMi60tud'ichie'm6'^f.
Dieu na> cho tha'y. tap khach hang chii \eu hien nay cua ngdn hang TMCP tai Bae Ninh Id nhdng ngddi tre luoi.
J.J. Phiiifng phdp plidn tich dff lieu nghien cdu Dy lieu du'de phdn lieh vdi sy hd ird cila phan mem SPSS 20 qua cdc bddc nhir sau:
Bddc 1. Kiem dinh sy tin ca\ thang do ede nhan to trong md hinh;
Bi/de 2. Phan tich nhan to kham pha;
Bddc 3. Ddnh gta bang gid tri trung binh va dp lech chuan:
Bu'dc 4. Phan tich tddng quan:
Bddc ?. Phan tich hoi quy va kiem dinh cdc gia iJiuvet nghien cdu:
4. Ke't qua nghien cd'u va thao ludn Kiem dfnh h? so Cronbach's Alpha Qua ke't qua phan tieh, cd 8 thdnh phan thang do ve ddnh gia phdt tnen dich vu the vd yeu td' phu thugc deu cd do tin cay > 0,6. Dieu dd cho tha'y, thang do difdc xay du'ng cd y nghia trong thd'ng ke va dat he so' tin cay can thiel, cd the tiep tuc dda vao phan tich nhan to' khdm phd EFA. Ket qua ddnh gid lai thang do cho thay. cac thang do deu thda man yeu cau.
Phdn tich nhdn to'khdm phd EFA Dd'i vdi bie'n doc lap: Phydng phdp phan tich nhan to kham pha EFA difdc tien hdnh bang phan mem SPSS va ket qua chi so' KMO la 0,823 > 0,5.
Gid tri Sig cua kiem dinh Bartlett's bSng 0,000
< 0,05 cho tha'y. cac bien cd ti/Ong quan vdi nhau nen md hinh la phij hop de di/a vao phan tich nhan to' khdm pha. Cd 8 nhan id di/dc trich ra ddu cd gia tri Eigenvalue ldn hdn 1 va diem ddng khi trich cdc ye'u to tai nhdn in thd 6 cd Eigenvalue ia 1.061 > 1.
Tong phdOng sai trich cua 8 nhan td hdng 73,874% >
50%. didu nay cho ihay kha nang sd dung 8 nhan to thanh phan nay giai thich du'de 73.874% bien thien cua cdc bien quan sdi. Difa vao ma tran xoay nhan td khi chay KFA. cd 30 bi^n cdn la. difOc irich thanh 8 nhdn td'(cd bien KT7 bi ioai do he s :iai ^ (, 5,
TAI CllNH'NGAN HANG-BAO BIEM
Nhu'\a>. sau khi tie'n hanh kiem dinh do tin cav Cronbach's Alpha va phan tich nhan to'kham phd EFA lhi 31 bie'n quan sat ban dau dddc nhdm lai Ihanh 8 nhdn to', dong thdi khdng cd sy bie'n doi so vdi md hinh nghien cu\i de xua't. Cdc nhan to' nay bao g6m: Nhan to' 1 - KT dydc do Iddng bdi cdc bi^n KTI, KT2, KT3, KT5, KT6. Nhan to 2 - RR ditgc do Iddng bdi cac bien RRI, RR2. RR3. Nhan t^3 - NL dydc do ludng bdi cdc bien NLl, NL2, NL3. NL4. Nhan to'4 - NL difdc do Iddng bdi cdc NLl. NL2. NL3, NL4. Nhan to' 5 - CS dUdc do lueing hdi cac bid'n CS!, CS2, CS3, CS4. Nhan td 6 - XH dydc do Iddng bdi cac bien XHl, XH2. XH3.
Nhan td'7 - DT dydc do Iddng bdi cdc bie'n DTI.
DT2, DT3. Nhdn to' 8 - PL difdc do Iddng bdi cac bie'n PLl, PL 2, PL3.
Dd'i vdi bie'n phu thugc: Ke't qua phan tich EFA vdi KMO b^ng 0.902 > 0.5 vd kiem dinb Bartlett's c6 sig bdng 0,000 < 0,05 nen khdng dinh dir lieu phii hdp de phan tich nhan to'. Phan Iich da rdt trich td 5 bie'n danh gia cac yeu to'phat irien dich vu the (PT) thdnh mgt nhan td'chinh. cd Eigenvalue b^ng 4,072 vd tong phifdng sai trich IS 81,439% >50%.
KS't qud phdn tich hoi quy
T& ke't qua cua Bang 2 cho tha'y, cd 5 ye'u to' cd y nghia vl mdt thd'ng ke: DT, CS, NL, KT va TC.
RiSng ye'u td' ve rui ro boat ddng, moi trddng kinh te xa hgi va mdi tnfdng phap ly do cd sig > 0.05 nen
khong phii hdp \a bi loai. Xl \ay. phifdng trinh hdi quy dddc xac dinh nhd sau:
PT* = 0^08 DT + 0406 CS + 0,175 NL + 0,252 KT +0.354 TC
Ben canh dd. didng ke F cda phan tich phifdng sai ed p-value bang 0.000 eho thay. kel qua ddc lygng la phu hdp. Gia tri R2 hieu chinh = 0.466 cho biet i^ng. cac bien ddc lap trong md hinh cd th^' giai thich difdc 46.6'^r sd bien thien cua bien phu thuoc. Ha\ ndi each khac. gia tri R2 hieu chinh giai thich du'de 46.6'"'f su' phu hdp cua md hinh. He so VIF cua cac bien phu thugc trong md hinh deu nhd hdn 10. vl vay cho tha'y khdng cd sy ton tai ciia hien tu'dng da cong tuye'n. Tren cd sd ket qud nghien cdu dinh lydng ve cde ye'u id'anh hydng de'n phdt trien dich vu the. phydng trinh hoi quy tuyen tinh bgi du'de trich theo he so' Beta chuan hda cho thd'y:
Ndng Idc tai chinh (TC) cd he so'Beta chuan hda 0.354-cao hdn sovdi ta'tca cac nhan to'cdn lai. He so'Beta chuan hda cua nhan to'con lai lan lydt la:
trinh do ky thuat (KT) - bdng 0,252; Dd'i Ihu canh tranh (DT) - bdng 0.208: chinh sdch cua ngan hang (CS) - bdng 0.206: Nguon nhSn lyc (NL) - bdng 0.175. Do dd. CO the ket luan: nang Idc tai chinh bao gom cd .sd vat cha't hien dai; he thd'ng mdy ATM. POS rgng khap: mang Iddi cac phdng giao dich thuan tien cd the ho trd cjic va'n d^ ve dich vu the; la cac ye'u to' anh hddng manh nha'l de'n phdt trien dich vu the tai tinh Bdc Ninh.
Bang 2. Ke't qua phan tich
H6s6ch§n OT CS NL KT TC
H$so B -595 .180 ,189 ,151 ,228 ,528 Bien phy thuoc: PT
:haac
!
huan hda i H$
so'chuan .337 ' .042 ,043 .041 .043 ,079
so chuan hoa Beta
208 ,206 ,175 ,252 ,354
t
-1,769 4.303 4,416 3,737 5,329 6.704
Thong ke da c ^ tuyen p-value r
VIF ,078
,000 1,173 ,000 1,093 ,000 1,104 ,000 1.130 .000 1.405
R^ h l ^ p -valut chinh (F)
TAP CBl CiNG THUONG
5. Cac giai phap de xual
5.1. Dau tu tdi chinh vdo etJ scf vgt ch^ ngan hdng hifn dgi, md rgng mang liidti bd't ATM, ddn vi chdp nhgn the
Vietinbank tai Bae Nmh can chu y dau ty nang cap cdc u^ng thie't hi. cd sd vat cha't dam bao cae may .-\TM ludn du'de tiep quy kip thdi. khde phue nhanh chdng cac sy cd de ludn ddp u'ng dddc yeu cau khach hang, ndng cao tinh ehuyen nghiep trong giao dich. Cdn bd' tn' ldp ddt them cdc dja diem .ATM gan cac khu \ yc co ddng dan ci/, khu cdng nghiep; bo' tri them eac diem giao dich qua mdy POS tai cdc ndi cd khdch hang siJf dung dieh vu an ud'ng. lifU tru nhieu hdn de tao dieu kien ihuan Idi cho thanh todn.
Vdi muc lieu hifdng de'n phan ddng ngddi tieu diing. ngan hang cung can cd ke hoaeh dau id cdc ddn vi chap nhan the. lap dat mdy AT.M d nhieu ndi. Phal trien khdch hang song song vdi phdt trien mang lu'di ddn vi chap nhdn the. ATM. Dau m \a phdt trien mang Iddi mdy ATM. td'i du hda boat dgng cua ATM khdng chi dau ty so' lydng ma cdn phai nang cao chat Iddng cua moi mdy khi du'a \ ao hoat ddng. Tuy chifa co nhdng sy cd' nghiem trong nhu^gngan hang can thydng xuyen kidm tra \a cai thien chat lydng cua mdy, dda vdo sd diing cac ddng md\ hien dai hdn.
5.2. Ddi mdi ky thugt, hi^n dgi hda cdng nghf Vieiinbank can day manh dng dung cdng nghe thdng tin, bdi day Id dieu kien trien khai cdc loai hinh dich vu mdi. md rgng dd'i lu'dng pham \i \a khdch hdng. Cdng nghe thdng tin cho phep ngdn hang nilm bdt \;i cap nhat da\ du cdc thdng tin khdch hdng: giani thieu rui ro; giam chi phi va thdi gian giao dich; tdng do an loan Ngan hang can dau tif cho he thd'ng bao tri thiel bi nay de nang cao td'c doxdiV nhanh.
5.3. Gidm phi lien quan de'n the
\ d i dnh hinh canh tranh ga> gdi, viec phdt trien khdch hang sd dung the mdi la mgt dieu khd. Do dd. bien phdp hieu qua la mien giam cdc loai phi sy dung the ATM cho khdch hang nhd: Phi phat hanh.
phi thydng nien. phi rdt tien. phi chuyen tien ndi mang... de bydc dau phdt trien sd' Iddng the phdt hdnh. Sau khi khach hang sd diing. ta cd the dp dung cdc bien phdp \ e lai suat nhy: Giam Idi suat
cho vay qua the tin dung; \ a\ thau chi d mdc hdp ly phu hdp v6i thi tnfdng; cong lai suat tien gdi cd ky ban phdt sinh iren tai khoan the.
5.4. Day mgnh cdng tde marketing, qudng cdo Ngan hang cd the tang cddng quang cdo ve the tren tivi, intemeL. hoae cd cac budi gidi thieu trye tiep vdi khdch hang \ e san pham the. nhffng tinh ndng mdi va cdc tien ich. Ngoai ra. cd the quang cao qua banroll. bang quang cao tai cdc chd, sieu Uii. tiddng hgc,.. de tao an tddng vdi khach hang, Idc ddng manh me de'n nhan thdc ve san pham.
Cac may ATM Id ndi khdch hang giao dich thydng xuyen. \1 vay ngan hang cd the thiet lap cae quang cdo thdng tin hien thi ngay tren man hinh giao dich cua may de khach hdng cd the bie't them ve dich vu the mgt each nhanh nha't.
Hien nay, hinh thdc qudn ly vd'n tap ti-ung vd tra tien lydng cho nhan vien thdng qua tdi khoan ngan hdng dddc nhieu to' chdc sd dung. Ngan hdng can nam bdt cd hgi nay de tie'p cdn cac ddn vi stif dung dich vu. tff do md rgng phdt hanh the, nhat la the tin dung ngi dja.
5.5. Bdo tgo vd phdt trien nguon nhdn liic Trddc het. can nang cao kien thdc chuyen mdn, trinh do nghiep vu \a tinh chuyen nghiep cua ngddi thifc hien cac san pha'm, dich vu nay. Dam bao td can bd quan ly de'n can bg chuyen mon, nghiep vu SLf dung thanh thao cdng nghe ngan hang, dddc dao tao. boi dydng thu'dng xuyen nghiep vu ve san pham, Bdng each to chdc tap hua'n ngan ban cho can bd, thdng qua dd tao dieu kien cho cdc cdn bd dddc gap gd, trao ddi cdc va'n de ve chuyen mdn va kinh nghiem thi/e tidn. Chu ti-gng dao tao ve tac phong lam viec. thdi do phue vu khdch hang.
Khach hang cua dich \ u the ngay cang dddc md rdng td eac khdch hang cd thu nhap tha'p (hpc sinh.
sinh vien) de'n cdc khdch hang VIP. Do do, trinh do hoc van va van hda dng xd cua khdch hang vl the cung cosy khac biet.
Cdng tac tuydn chgn can bd phai sdt sao, nghiem tuc. cdng bdng dd lifa chi.Ti nhffng can bd cd ndng lyc. Irinh do Oiifc sy. Ngodi ra, Vietinbank can cd chinh sach du dai de thu hut doi ngu ehuyen gia gidi. gdp phan nang cao chat li/dn
Idc hien tai • ' nguon nhan
304 So 10-Thong 5/2020
TAI CHiNI - NGAN HANG - BAO IIEM
TMI-lfUTHAMKHAO:
I.GurajaU.D.N 12003) BaticEcanotnelrici. .McGrj\\ Hill.
;. HoJng Trong & Chu Nguyin IMong Ngoc (2008). Phdn lich dit lieu nghien cilu vai SPSS - 2 lap. Nha \ual ban Hong DiJc.
! SgjiihingTlvlCPCongThtfOngVietNam(2020)./mpi.-/AiT™-.vi«/nioni.™
Ngay nh^n bai: 15/4/2020
NljiiV phan bi?n danh gia va su'a chffa: 24/4/2020 Ngay ChS'p nhan dang bai: 4/5/2020 Thdng lin Idc gid:
TS. NGUYEN TH] MINH THAO CHV. DO THI VlgT HANG CH\. NGUYEN THI TO LY CHV. BUI THI XUAN Trifdng Dai hgc Thi/rfng mai
IMPACTS OF FACTORS AFFECTING THE CARD SERVICE DEVELOPMENT OF VIETNAM JOINT STOCK COMMERCIAL BANK FOR INDUSTRY
AND TRADE AT BAC NINH PROVINCE
• Ph.D NGUYEN THI MINH THAO
• Postgraduate student DO THI VIET HANG
• Postgraduate student NGUYEN THI TO LY
• Postgroduote student BUI THI XUAN Thuongmoi University ABSTRACT:
Assessing the impacts of factors affecting the card service development always receive attention from commerical banks because this assessment plays a key role in Uie development orientation of card services in localities. The quandtative analysis methods and exploratory factor analysis model are suitable as they ensure the characterisitcs of each type of survey and population area. This stud) focused on Bae Ninh Province as there are many industrial parks widi a large population in this province. The data of this study u as collected in 2019 to assess factors aflecting the card service development of Vietnam Joint Stock Commercial Bank for Industry and Trade.
Keywords: Card service, bank, exploratory factor analysis, affecting factors.
