Các yếu tố ảnh hưởng đến lượng vốn cho vay của ngân hàng đối với khách hàng cá nhân: Nghiên cứu điển hình tại Ngân hàng Nông nghiệp và Phát triển Nông thôn Việt Nam, chi nhánh huyện Cờ Đỏ - Cần Thơ II

Abstract

This study aims to identify some factors of bank loans to individual customers at Agribank Co Do District Branch - Can Tho II. The data were collected from 204 individual customers, who have outstanding bank balances until September 2020. A Tobit regression model was explored to estimate the factor influencing the bank loans of personal customers at Agribank Co Do District Branch - Can Tho II. Study results showed that the customer’s income, business sector/ occupation, collateral, loan’s purpose, the terms of loans, and credit officer, who directly audited the customer’s loan were the factors that affected the total loan amount of individual customers at Agribank Co Do District Branch - Can Tho II (P < 0,1). Based on the results of this study, several alternatives to expand the individual credit in general, and the individual credit for the agricultural sector in particular, at Agribank Co Do District Branch - Can Tho II have been discussed. These were expected to enhance rural development and reduce poverty in Co Do district, Can Tho city.