Bất cân xứng thông tin trong hoạt động vay tiêu dùng cá nhân tại Thành phố Hồ Chí Minh / Trương Thị Phương Duyên, Nguyễn Thị Diệu Minh; Dương Tấn Khoa [hướng dẫn]

[ii]

TOM TAT DE TAI

Mvc tieu cua dS tai la kiem dinh duqc gia thuyet: t6n t?i thong tin bit can xung trong

ho?t d9ng cho vay tieu dung ca nhan, d6ng thcri tim hiSu nhung nguyen nhan d�n dSn bit

can xung thong va nh�n dinh duqc nguyen nhan chinh dsn tu phia nao: ban than khach hang

hay phia ngan hang. Tu d6, nh6m nghien cuu se d8 xuit cac giai phap giup h?n chS duqc

nhfrng nguyen nhan gay ra bit can xung thong tin, giup ho?t d9ng vay tieu dung ca nhan

di€n ra t6t hon.

Ben C?nh d6, nh6m nghien cuu cung t6' chuc khao sat da d?ng tren cac d6i tuqng da

c6 thu nh�p, d€ tim hi€u vs ty 1� ngucri dan biJt dSn vay tieu dung, ty 1� ngucri dan SU d\mg

cac goi vay tieu dung nhu thS nao, dS co them thong tin, kiJn thuc v8 thvc trang vay tieu

dung a Vi�t Nam.

KSt qua phan tich cho th§.y v§.n dS b§.t can xung thong tin c6 t6n t?i trong ho?t d9ng

vay tieu dung trong khu V\fC thanh ph6 H6 Chi Minh. Sv anh huang cua thong tin b§.t can

xung duqc th€ hi�n qua 3 nhan t6, g6m: thong tin tu phia ngucri di vay, thong tin tu phia

ngan hang Va S\f trung th\l'C tu nguai di vay.

KSt qua khao sat m9t vai biSn C\l thS cho thiy ty 1� ngucri dan biSt dSn vay tieu dung

chua cao (47,5%), va ty 1� ngucri c6 thu nh�p su dvng g6i vay tieu dung cung con, th§.p

( 19% ), di Su nay chung to nguai dan v�n h?n chS vAn d8 di vay muqn ti Sn cua cac ngan

hang.' .M�t khac, muc d9 tin tuang va hai long chung cua khach hang d6i v6i thong tin SU

dvng trong g6i vay tieu dung ca nhan khong cao, chi dung l?i a muc trung binh.

KSt qua nghien cuu giup ngucri di vay hiSu ro hon vs nguyen nhan t?O ra S\l' b§.t can

xung thong tin, tu d6 c6 each thay d6i, tim hiSu thong tin nhi8u hon, biSt each nhin nh�n,

danh gia, dS tang ca s6 luqng va chAt luqng thong tin minh co duqc, tranh g�p phai nhung

hiSu 1�m, nhung tranh chfip va thi�t h?i dang tiSc co thS xay ra.

KSt qua nghien Cl.Ill c6 thS giup cac ngan hang thuang m?i t?i Thanh ph6 H6 Chi

Minh c6 cai nhin t6ng th€ v8 dich V\l cua minh hi�n nay, nh§.t la dich V\l cung cfip g6i vay

tieu dung dSn v6i nguai dan n9i thanh, lam ngu6n tham khao cho cac nghien Cl.IU sau han d€

tim ra phuang huang Va chinh sach nh&m t?O ra Va nang cao gia tri ;dich V\l d€ gia tang

khach hang SU dvng, cung nhu uy tin cua Ngan hang.

, � :lo '

[iii]

MVCLVC

TOM TAT DE TAI ................................................................................................................ ii

MVC LV C .............................................................................................................................. iii

' ' ?

DANH MVC IDNH VA BANG ............................................................................................ V

Chzrung 1 .................................................................................................................................. 1

::i: "J. ' •

TONG QUAN BE TAI .......................................................................................................... 1

1.1. Ly do chQn d� tai. ...................................................................................................... 1

1.2. M\IC tieu nghien CU'U .. · ............................................................................................... 2

1.3. Ph�m viva phU'ong phap nghien CU'U ................................................................. , ... 2

1.4. Y nghia th\l·c ti�n ...................................................................................................... 3

, ,

1.5. Ket cau ctia bao cao nghien CU'U .............................................................................. 4

Cliuung II ................................................................................................................................ 5

THVC TR4NG VAY TIEU DUNG O VI¢T NAM ............................................................ 5

2.1., Th\fC tr�ng cho vay tieu dung ca nhan & Vi�t Nam: ............................................. 5

2.2. Mqt s6 v§n d� thmmg g�p trong ho�t dqng vay tieu dung ca nhan & Vi�t Nam

lien quari d�n thong tin, each XU' }y thong tin ctia ngll'oi di vay Va ngan hang ............. 8

C/1uung III ................................ ! ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• 11

ca so LY THUYET v A THIET KE NGHIEN cuu .................................................... 11

3.1. CO' s& ly thuy�t .......................................................................... ; ............................. 11.

3.2. Thi�t k� nghien CU'U ......... � ...................................................................................... 16

Cliirung IV ................................................................................................. ,............................ 19

PHAN TiCH MO TA VA KIEM DJNH THANG D0 ...................................................... 19

4.1. Thong tin chung v� mfiu nghien cuu .................................................................... 19

4.2. · Ki�m dinh thang do ................................................................................................ 20

, , , ,.. A , ., , A "' • I

' 4.3. Rut tnch cac nhan to chmh cua mll'c dQ ha1 ong .............................................. .. 20

..

ChirO'ng V .............................................................................................................................. 23

PHAN TiCH MO HINH NGHIEN CUU VA NH�N DJNH KET QUA ........................ 23

[iv]

5.1. Phan tich h6i quy .................................................................................................... 23

5.2. Ki�m djnh mo hinh theo cac bi�n .......................................................................... 24

Chuu-ng VJ ................................................ · ............................................................................. 30

, - '\ L -

Y NGHIA VA KET LU4-N .................................................................................................. 30

6.1.

6.2.

6.3.

, '

K

A

t � h' h ' , h- � _;f

A

e qua c ID va y ng Ia cua ue t' a1. • .................................................................... . 30

, ' ,

H�n che cua de tai va hu6ng nghien CU'U tiep theo .............................................. 31

K�t lu�n ................................................................................................................... 32

DANH Ml)C TAI LiitU THAM KHAo ....... ; ..................................................................... vi

PHl) L 1) C .............................................................................................................................. vii

Plz{l l(LC 1 ................................................................................................................................ vii

? A �

BANG CAU HOI .................................................................................................................. vii

Ph{,l l{lc 2 ....................... -.......................................................................................................... ix

BANG TAN s6 VE THONG TIN cA NHAN KHA.CH HANG fHfQ'C PHONG v .A.Nix

Ph{,l l(lc 3 ................................................................................................................................. xi

KIEM BJNH THANG DO ................................................................................................ , ... xi

' .

Plz{l f!;IC 4 ............................................................................................................................... xiv

KET QUA PHAN TiCH EFA ............................................................................................ xiv

Ph{l l{lc 5 .................................•............................................................................................ xvii

KET QUA PHAN TICH HOI QUY •................................................................................ xvii

[v]

DANH MUC HINH VA BANG BIEU

STT TEN HINH VA BANG BIEU TRANG

2.2 BiSu d6 lai su§t cho vay a m9t s6 qu6c gia 6

Bang Lai sufrt can CU' theo muc luong va cong ty cua khach hang .-

2.2 dang lam vi�c 7

3.1 Tom tat mo hinh thong tin bftt can xung 15

3.1.1 Mo hinh nghien cU"U 16

4.1 Bang D�c diSm m�u nghien cU"U 19,20

4.3.1 Bang ket qua phan tich nhan t6 EF A cua cac khia c1_1nh lam cho thong 21 tin b§t can xung

4.3.2 Bang ket qua phan tich nhan t6 cua khai ni�m "muc d9 hai long cua 22 sinh vien".

5.1 Bang ket qua phan tich h6i quy 23

5.2.1.1 Bang muc d9 sir dt,mg g6i vay tieu dung ca nhan cua khach hang t1_1i 24 Tp. H6 Chi Minh

5.2.1.2 BiSu d6 muc d9 sir d1,mg goi vay tieu dung ca nhan cua khach hang 24 t1_1i Tp. H6 Chi Minh

Bang gi&i tinh cua nh6m khach hang sir d1,mg g6i vay tieu dung t1_1i Tp. 5.2.1.3 H6 Chi Minh 25

5.2.1.4 BiSu d6 gi&i tinh cua nh6m khach hang SU' dt,mg g6i vay tieu dung t1_1i 25 Tp. H6 Chi Minh

5.2.1.5 Bang d9 tu6i cua nh6m khach hang sir d1,mg g6i vay tieu dung t1_1i Tp. 26 H6 Chi Minh

5.2.1.6 BiSu do d<) tuoi cua nhom khach hang sir d1,mg goi vay tieu dung t1_1i 26 Tp. H6 Chi Minh

5.2.2.1 Bang khach hang tin tuang vao thong tin do ngan hang cung d.p 27

5.2.2.2 BiSu d6 khach hang tin tuang vao thong tin do ngan hang cung dp 27

5.2.2.3 Bang khach hang danh gia v� lugng thong tin Ngan hang cung d.p 28

5.2.2.4 BiSu df> khach hang danh gia vs lugng thong tin Ngan hang cung d.p 28