Ảnh hưởng của một số tính cách đến dự định đầu tư cổ phiếu của các nđt cá nhân trên TTCK VN vai trò trung gian của nhận thức rủi ro, nhận thức không chắc chắn và kết quả đt

Oilamchi99 B G 딠 딠⤡ D 딠C VÀ ÐÀ⤡ T 딠⤡ TRƯ 딠NG Ð 딠딠 HOC K 딠 NH TE T 딠 딠 HO CHÍ M 딠 NH -ooo0ooo - NGֲ딠 EN HŨֲ THO ẢNH HƯỞNG CỦA M T SỐ TÍNH C 딠 CH ÐEN DỤ бNH ÐẦֲ TƯ CỔ 딠 H 딠 Eֲ CỦA C 딠 C NHÀ ÐẦֲ TƯ C 딠 NHÂN TRÊN TH± TRƯ 딠NG CHỨNG KH⤡딠 N V 딠 ỆT NAM: VA 딠 TRÒ TRֲNG G 딠 AN CỦA NHẬN THỨC RỦ 딠 R⤡, NHẬN THỨC KHÔNG CHAC CHAN VÀ KET QֲẢ ÐẦֲ TƯ LֲẬN 딠 N T 딠 EN S 딠 K 딠 NH TE T ‫ؠ‬ Ho C ‫ؠ‬í M ‫ؠ‬n ‫ – ؠ‬Năm 2022 B G 딠 딠⤡ D 딠C VÀ ÐÀ⤡ T 딠⤡ TRƯ 딠NG Ð 딠딠 HOC K 딠 NH TE T 딠 딠 HO CHÍ M 딠 NH -ooo0ooo - NGֲ딠 EN HŨֲ THO ẢNH HƯỞNG CỦA M T SỐ TÍNH C 딠 CH ÐEN DỤ бNH ÐẦֲ TƯ CỔ 딠 H 딠 Eֲ CỦA C 딠 C NHÀ ÐẦֲ TƯ C 딠 NHÂN TRÊN TH± TRƯ 딠NG CHỨNG KH⤡딠 N V 딠 ỆT NAM: VA 딠 TRÒ TRֲNG G 딠 AN CỦA NHẬN THỨC RỦ 딠 R⤡, NHẬN THỨC KHÔNG CHAC CHAN VÀ KET QֲẢ ÐẦֲ TƯ C ‫⤂ؠؠ‬ên N ‫ ؠؠ‬n ‫ؠؠ‬ Q ‫ ؠؠ‬n trị K ‫ؠ‬n ‫ؠ‬ doan ‫ ؠ‬M ‫ ؤ‬so‫ؠ‬ 9340101 LֲẬN 딠 N T 딠 EN S 딠 K 딠 NH TE N ‫ؤ‬Ư ‫ؤ‬I HƯỚN ‫ ؤ‬DAN KHOA HOC‫ؠ‬ ‫ؤؤؤؤؠ‬ S.TS TRAN HÀ MINH Q ‫ؤ‬ÂN TS N ‫ؤ‬Ô Q ‫ؤ‬AN ‫ ؤ‬H ‫ؤ‬ÂN T ‫ؠ‬ Ho C ‫ؠ‬í M ‫ؠ‬n ‫ – ؠ‬Năm 2022 iii L 딠딠 CAM Ð⤡AN Tô ‫ ؠ‬x ‫ؠ‬n cam đoan l ‫ ؠ‬n án l ‫ ؠ‬cơn ‫ ؠ‬trìn ‫ ؠ‬do c ‫ؠ‬ín ‫ ؠ‬tô ‫ ؠ‬t ‫ؠ‬ực ‫ؠؠ‬ện dướ ‫ ؠ‬sự ‫ؠ‬ướn ‫ ؠ‬dan k ‫ؠ‬oa ‫ ؠؠ‬c Q ‫ ؠ‬ý T ‫ؠ‬ầ⤂, Cô, tat c ‫ ؠ‬n ‫ؠ‬ữn ‫ ؠ‬n ‫ ؠ‬d ‫ ؠ‬n ‫ ؠ‬ke t ‫ؠ‬ừa, t ‫ؠ‬am k ‫ ؠؠ‬o từ n ‫ؠ‬ữn ‫ ؠ‬t ‫ ؠ ؠ‬l ‫ؠ‬ệ ‫ ؠ‬k ‫ؠ‬ác đư ‫ ؠ‬c tríc ‫ ؠ‬dan đầ⤂ đủ, c ‫ؠ‬ín ‫ ؠ‬xác v ‫ؠ‬ ‫ ؠؠ ؠ‬n ‫ ؠ ؠ‬on cụ t ‫ؠ‬e tron ‫ ؠ‬mục t ‫ ؠ ؠ‬l ‫ؠ‬ệ ‫ ؠ‬t ‫ؠ‬am k ‫ ؠؠ‬o v ‫ ؠ‬các t ‫ؠ‬ôn ‫ ؠ‬t ‫ؠ‬n, ket q ‫ ؠؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬tron ‫ ؠ‬l ‫ ؠ‬n án l ‫ ؠ‬tr ‫ ؠ‬n ‫ ؠ‬t ‫ؠ‬ực Tô ‫ؠ ؠ‬o ‫ ؠ‬n to ‫ ؠ‬n c ‫ؠ‬ị ‫ ؠ‬trác ‫ ؠ‬n ‫ؠؠ‬ệm ve p ‫ؠ‬áp lý tron ‫ ؠ‬q ‫ ؠ‬á trìn ‫ ؠ‬n ‫ؠ ؠ‬ ‫ؠ‬ên ‫ ؠ‬k ‫ؠ‬oa ‫ ؠؠ‬c l ‫ ؠ‬n án Tp Ho C ‫ؠ‬í M ‫ؠ‬n ‫ؠ‬, n ‫⤂ؠؠ‬ t ‫ؠ‬án ‫ؠ‬ năm 2022 N ‫ؠؠ ؠ‬ên ‫ ؠ‬s ‫ؠ‬n ‫ؠ‬ N ‫⤂ؠ ؠ‬en Hữ ‫ ؠ‬T ‫ؠؠ‬ L 딠딠 C 딠 M QN Ðe ‫ؠ‬o ‫ ؠ‬n t ‫ ؠؠ‬n ‫ ؠ‬l ‫ ؠ‬n án, Tô ‫ ؠ‬n ‫ ؠ‬n đư ‫ ؠ‬c n ‫ؠؠ‬e ‫ ؠ‬sự ‫ؠ‬ướn ‫ ؠ‬dan, ‫ؠ‬o tr ‫ ؠ‬t n tìn ‫ؠ‬, đ n ‫ ؠ‬v ‫ؠ‬ên từ N ‫ ؠ‬ườ ‫ؠ ؠ‬ướn ‫ ؠ‬dan k ‫ؠ‬oa ‫ ؠؠ‬c, T ‫ؠ‬ầ⤂, Cô, đon ‫ؠ‬ n ‫ؠؠ ؠ‬ệp, b ‫ ؠ‬n b ‫ ؠ‬v ‫ؠ ؠ ؠ‬a đìn ‫ؠ‬ Ðầ ‫ ؠ‬t ‫ؠ‬ên, Tô ‫ ؠ ؠ‬ở ‫ ؠ‬lờ ‫ ؠ‬c ‫ ؠ‬m ơn đen n ‫ؠ‬ữn ‫ ؠ‬n ‫ ؠ‬ườ ‫ؠ ؠ‬ướn ‫ ؠ‬dan k ‫ؠ‬oa ‫ ؠؠ‬c T ‫ؠ‬ầ⤂ ‫ؤؠ‬S.TS Trần H ‫ ؠ‬M ‫ؠ‬n ‫ ؠ‬Q ‫ ؠ‬ân, T ‫ؠ‬ầ⤂ TS N ‫ ؠ‬ô Q ‫ ؠ‬an ‫ ؠ‬H ‫ ؠ‬ân, đ ‫ ؤ‬t n tìn ‫ؠ‬ ‫ؠ‬ướn ‫ ؠ‬dan, đ n ‫ ؠ‬v ‫ؠ‬ên, ‫ؠ‬o tr ‫ ؠ‬tron ‫ ؠ‬s ‫ ؠ‬ot t ‫ؠ‬ờ ‫ؠ ؠ ؠ‬an t ‫ؠ‬ực ‫ؠؠ‬ện l ‫ ؠ‬n án, Tô ‫ ؠ‬x ‫ؠ‬n cám ơn Ban ‫ؠ ؠ‬ám ‫ؠؠ‬ệ ‫ ؠ‬Trườn ‫ ؠ‬Ð ‫ ؠؠ ؠ ؠ‬c K ‫ؠ‬n ‫ ؠ‬te Tp Ho C ‫ؠ‬í M ‫ؠ‬n ‫ ؠ‬đ ‫ؤ ؠ‬o tr ‫ ؠ‬v ‫ ؠ‬t ‫ ؠ‬o đ ‫ؠ‬e ‫ ؠ‬k ‫ؠ‬ện ve t ‫ؠ‬ờ ‫ؠ ؠ ؠ‬an v ‫ ؠ‬k ‫ؠ‬n ‫ ؠ‬p ‫ؠ‬í ‫ ؠؠ‬c t p t ‫ ؠ ؠ‬trườn ‫ؠ‬ Tô ‫ ؠ‬cám ơn Cô N ‫⤂ؠ ؠ‬en Q ‫ ؠ‬an ‫ ؠ‬T ‫ ؠؠ‬b môn T ‫ ؠ ؠ‬c ‫ؠ‬ín ‫ ؠ‬Dự án K ‫ؠ‬oa Q ‫ ؠؠ‬n Trị, trườn ‫ ؠ‬Ð ‫ ؠؠ ؠ ؠ‬c K ‫ؠ‬n ‫ ؠ‬te Tp.Ho C ‫ؠ‬í M ‫ؠ‬n ‫ ؠ‬đ ‫ ؤ‬t n tìn ‫ ؠ‬c ‫ؠ‬ ‫ؠ‬a sẻ, trao đổ ‫ؠ‬, đe tô ‫ؠ ؠ‬o ‫ ؠ‬n t ‫ ؠؠ‬n ‫ ؠ‬l ‫ ؠ‬n án Tô ‫ ؠ‬cám ơn đen t ‫ؠ‬ầ⤂, cô ‫ؠ ؠ‬áo, đon ‫ ؠ‬n ‫ؠؠ ؠ‬ệp, b ‫ ؠ‬n b ‫ ؠ‬v ‫ ؠ‬các an ‫ ؠ‬c ‫ؠ‬ị k ‫ؠ‬oa Q ‫ ؠؠ‬n trị, V ‫ؠ‬ện Ð ‫ ؠ‬o t ‫ ؠ‬o sa ‫ ؠ‬đ ‫ ؠؠ ؠ ؠ‬c trườn ‫ ؠ‬Ð ‫ ؠؠ ؠ ؠ‬c K ‫ؠ‬n ‫ ؠ‬te Tp.Ho C ‫ؠ‬í M ‫ؠ‬n ‫ ؠ‬đ ‫ ؤ‬c ‫ؠؠ‬a sẽ, đ n ‫ ؠ‬v ‫ؠ‬ên đe Tô ‫ ؠ‬vư ‫ ؠ‬t q ‫ ؠ‬a n ‫ؠ‬ữn ‫ؠ‬ k ‫ؠ‬ó k ‫ؠ‬ăn tron ‫ ؠؠ ؠ‬c t p, n ‫ؠؠ ؠ‬ên ‫ ؠ‬v ‫ ؠ‬Tô ‫ ؠ‬cám ơn n ‫ؠ‬ữn ‫ ؠ‬n ‫ ؠؠ‬đầ ‫ ؠ‬tư cá n ‫ؠ‬ân đ ‫ ؤ‬d ‫ ؠ‬n ‫ ؠ‬t ‫ؠ‬ờ ‫ؠ ؠ ؠ‬an tr ‫ ؠ‬lờ ‫ ؠ‬b ‫ ؠ‬n ‫ ؠ‬câ ‫ؠ ؠ‬ỏ ‫ؠ‬, l ‫ ؠ‬n ‫ ؠ ؠ‬on l ‫ؠ‬ệ ‫ ؠ‬c ‫ؠ‬o n ‫ؠؠ ؠ‬ên ‫ؠ‬ C ‫ ؠ‬o ‫ ؠ‬cùn ‫ؠ‬, Tô ‫ ؠ ؠ‬ử ‫ ؠ‬lờ ‫ ؠ‬cám ơn đen ‫ؠ ؠ‬a đìn ‫ؠ‬, v ‫ ؠ‬v ‫ؠ ؠ‬a ‫ ؠ‬con đ ‫ ؤ‬t ‫ؠ‬a ‫ؠؠ ؠ‬e ‫ؠ‬, đ n ‫ ؠ‬v ‫ؠ‬ên v ‫ؠ ؠ‬o tr ‫ ؠ‬đe l ‫ ؠ‬n án n ‫ ⤂ؠ‬đư ‫ ؠ‬c ‫ؠ‬o ‫ ؠ‬n t ‫ ؠؠ‬n ‫ؠ‬ X ‫ؠ‬n trân tr ‫ ؠ‬n ‫ؠ‬ Tp Ho C ‫ؠ‬í M ‫ؠ‬n ‫ؠ‬, n ‫⤂ؠؠ‬ t ‫ؠ‬án ‫ؠ‬ năm 2022 M 딠C L 딠C L ‫ؤ‬I CAM ÐOAN··································································‫ؠ‬ L ‫ؤ‬I CÁM ON····································································· ‫ؠؠ‬ MỤC LỤC··············································································‫ؠؠؠ‬ DANH MỤC CHŨ VIẾT TẮT ·····················································‫ؠ‬x DANH SÁCH CÁC BẢN ‫·····················································ؤ‬x DANH SÁCH CÁC H ‫ ؠ‬NH VẼ ···················································x ‫ؠؠؠ‬ TÓM TẮT L ‫ؤ‬ẬN ÁN ·····························································x ‫ؠ‬v ABSTRACT···········································································xv CHƯON ‫ ؤ‬- TỔN ‫ ؤ‬Q ‫ؤ‬AN·················································1 1.1 Tổn ‫ ؠ‬q ‫ ؠ‬an ve t ‫ؠ‬ị trườn ‫ ؠ‬c ‫ؠ‬ứn ‫ ؠ‬k ‫ؠ‬oán V ‫ؠ‬ệt Nam ························1 1.1.1 ‫ؠؤ‬á trị von ‫ؠ‬óa t ‫ؠ‬ị trườn ‫···················································· ؠ‬1 1.1.2 C ‫ؠ‬ỉ so c ‫ؠ‬ứn ‫ ؠ‬k ‫ؠ‬oán························································1 1.1.3 So doan ‫ ؠ‬n ‫ؠؠ ؠ‬ệp n ‫ؠ‬êm ⤂et ···················································2 1.1.4 So t ‫ ؠ ؠ‬k ‫ؠ‬o ‫ ؠ‬n ···································································2 1.2 Sự cần t ‫ؠؠ‬et n ‫ؠؠ ؠ‬ên ‫··················································· ؠ‬3 1.2.1 T ‫ؠ‬ực tr ‫ ؠ‬n ‫ ؠ‬n ‫ ؠؠ‬đầ ‫ ؠ‬tư cổ p ‫ؠؠ‬e ‫ ؠ‬của n ‫ ؠؠ‬đầ ‫ ؠ‬tư cá n ‫ؠ‬ân ·············3 1.2.2 K ‫ؠ‬o ‫ ؠ‬n ‫ ؠ‬tron ‫ ؠ‬lý t ‫⤂ؠؠ‬et q ‫ ؠ‬a lư ‫ ؠ‬c k ‫ ؠؠ‬o n ‫ؠؠ ؠ‬ên ‫ ؠ‬t ‫ؠ‬ực n ‫ؠؠ ؠ‬ệm t ‫ ؠ ؠ‬V ‫ؠ‬ệt Nam v ‫ ؠ‬t ‫ؠ‬e ‫ؠ ؠ‬ớ ‫··················································· ؠ‬4 1.3 Mục t ‫ؠ‬ê ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫···························································· ؠ‬8 1.3.1 Mục t ‫ؠ‬ê ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬tổn ‫ ؠ‬q ‫ ؠ‬át ············································8 1.3.2 Mục t ‫ؠ‬ê ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬cụ t ‫ؠ‬e ·················································8 1.4 Câ ‫ؠ ؠ‬ỏ ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫····························································· ؠ‬9 1.5 Ðo ‫ ؠ‬tư ‫ ؠ‬n ‫ ؠ‬v ‫ ؠ‬p ‫ ؠؠ‬m v ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫········································· ؠ‬9 1.6 ‫ؠؠ‬ươn ‫ ؠ‬p ‫ؠ‬áp n ‫ؠؠ ؠ‬ên ‫······················································ ؠ‬9 1.7 Ð ‫ؠ‬em mớ ‫ ؠ‬của l ‫ ؠ‬n án ··························································10 1.8 Ca ‫ ؠ‬trúc l ‫ ؠ‬n án···························································11 CHƯON ‫ ؤ‬- CO SỞ LÝ TH ‫ؤ‬YẾT VÀ MÔ H ‫ ؠ‬NH N ‫ؤ‬HIÊN CỨ ‫ؤ‬ 2.1 ‫ؠؤ‬ớ ‫ ؠ‬t ‫ؠؠ‬ệ ‫······································································· ؠ‬13 2.2 Lý t ‫⤂ؠؠ‬et tín ‫ ؠ‬các ‫·······································································ؠ‬13 2.2.1 Tín ‫ ؠ‬cở ‫ ؠ‬mở (Openness) ·····················································14 2.2.2 Tín ‫ ؠ‬t n tâm (Consc ‫ؠ‬ent ‫ؠ‬o ‫ ؠ‬sness) ········································15 2.2.3 Tín ‫ؠ ؠ‬ướn ‫ ؠ‬n ‫ ؠ‬o ‫( ؠ ؠ‬Extravers ‫ؠ‬on) ········································15 2.2.4 Tín ‫ ؠ‬de c ‫ؠ‬ị ‫( ؠ‬A ‫ ؠ‬reeableness)·················································15 2.2.5 Tín ‫ ؠ‬n ‫ ⤂ؠؠ‬c ‫ ؠ‬m (Ne ‫ ؠ‬rot ‫ؠ‬c ‫ؠ‬sm) ···········································16 2.3 Lý t ‫⤂ؠؠ‬et t ‫ ؠ ؠ‬c ‫ؠ‬ín ‫·············································································ؠ‬16 2.3.1 Lý t ‫⤂ؠؠ‬et t ‫ ؠ ؠ‬c ‫ؠ‬ín ‫ ؠ‬tr ‫⤂ؠ‬en t ‫ؠ‬on ‫( ؠ‬cổ đ ‫ؠ‬en) ····························16 2.3.1.1 Lý t ‫⤂ؠؠ‬et dan ‫ ؠ‬mục đầ ‫ ؠ‬tư ‫ؠؠ‬ện đ ‫··································· ؠ ؠ‬16 2.3.1.2 Mơ ‫ؠ‬ìn ‫ ؠ‬CA ‫ؠ‬M - địn ‫ؠ ؠ ؠ‬á t ‫ ؠ ؠ‬s ‫ ؠ‬n von ······························17 2.3.2 Lý t ‫⤂ؠؠ‬et t ‫ ؠ ؠ‬c ‫ؠ‬ín ‫ؠ ؠؠ‬ện đ ‫ ؠ ؠ‬- ‫ ؠؠ‬n ‫ ؠ‬v ‫( ؠ‬be ‫ؠ‬av ‫ؠ‬oral f ‫ؠ‬nance) ····19 2.4 Lý t ‫⤂ؠؠ‬et dự địn ‫ ؠؠ ؠ‬n ‫ ؠ‬v ‫··················································· ؠ‬24 2.5 Các k ‫ؠ‬á ‫ ؠ‬n ‫ؠ‬ệm tron ‫ ؠ‬mô ‫ؠ‬ìn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫······························· ؠ‬25 2.5.1 N ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro ·····························································25 2.5.2 N ‫ ؠ‬n t ‫ؠ‬ức k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn·············································27 2.5.3 Ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư ··································································27 2.5.4 Dự địn ‫ ؠ‬đầ ‫ ؠ‬tư······································································28 2.6 Xâ⤂ dựn ‫ؠ‬, p ‫ؠ‬át tr ‫ؠ‬en ‫ ؠؠ ؠ‬t ‫ؠؠ‬et n ‫ؠؠ ؠ‬ên ‫··························· ؠ‬28 2.6.1 Ðặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫ ؠ‬v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ··································28 2.6.1.1 Tín ‫ ؠ‬cở ‫ ؠ‬mở v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ·········································30 2.6.1.2 Tín ‫ ؠ‬t n tâm v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư··············································31 2.6.1.3 Tín ‫ؠ ؠ‬ướn ‫ ؠ‬n ‫ ؠ‬o ‫ ؠ ؠ‬v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ·································32 2.6.1.4 Tín ‫ ؠ‬de c ‫ؠ‬ị ‫ ؠ‬v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư·················································33 2.6.1.5 Tín ‫ ؠ‬n ‫ ⤂ؠؠ‬c ‫ ؠ‬m v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ······································34 2.6.2 Tín ‫ ؠ‬các ‫ ؠ‬v ‫ ؠ‬n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro, k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn ···················35 2.6.3 N ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro, n ‫ ؠ‬n t ‫ؠ‬ức k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn vớ ‫ ؠ‬ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư 37 2.6.4 Ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ··········································39 2.6.5 Ản ‫ؠ ؠ‬ưởn ‫ؠ ؠ ؠ‬án t ‫ؠ‬ep ‫ؠ ؠ‬ữa đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫ ؠ‬đen dự địn ‫ ؠ‬đầ ‫ ؠ‬tư 40 2.7 Mô ‫ؠ‬ìn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬v ‫ ؠ‬tổn ‫ ؠؠ ؠ‬p ‫ ؠؠ ؠ‬t ‫⤂ؠؠ‬et ·························41 2.8 Tóm tắt c ‫ؠ‬ươn ‫ ؠ‬2······························································42 CHƯON ‫ ؠ‬- ‫ؤ‬HƯON ‫ؤ ؠ‬HÁ ‫ ؠ‬N ‫ؤ‬HIÊN CỨ ‫ؤ‬ 3.1 ‫ؠؤ‬ớ ‫ ؠ‬t ‫ؠؠ‬ệ ‫······································································· ؠ‬45 3.2 T ‫ؠؠ‬et ke n ‫ؠؠ ؠ‬ên ‫··························································· ؠ‬45 3.2.1 Q ‫ ⤂ؠ‬trìn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫······················································· ؠ‬45 3.2.2 ‫ؠؠ‬ươn ‫ ؠ‬p ‫ؠ‬áp n ‫ؠؠ ؠ‬ên ‫ ؠ‬địn ‫ ؠ‬tín ‫ ؠ‬v ‫ ؠ‬ma ‫ ؠ‬đ ‫ؠ‬e ‫ ؠ‬tra ················47 3.2.2.1 N ‫ؠؠ ؠ‬ên ‫ ؠ‬địn ‫ ؠ‬tín ‫···················································· ؠ‬47 3.2.2.2 So lư ‫ ؠ‬n ‫ ؠ‬ma ‫ ؠ‬c ‫ؠ‬o p ‫ؠ‬ỏn ‫ ؠ‬van địn ‫ ؠ‬tín ‫·······················ؠ‬48 3.2.2.3 Ma ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬địn ‫ ؠ‬tín ‫··············································· ؠ‬48 3.2.2.4 Q ‫ ؠ‬á trìn ‫ ؠ‬p ‫ؠ‬ỏn ‫ ؠ‬van···················································49 3.2.2.5 T ‫ؠؠ‬et ke n ‫ؠؠ ؠ‬ên ‫ ؠ‬địn ‫ ؠ‬tín ‫········································· ؠ‬49 3.2.3 ‫ؠؠ‬ươn ‫ ؠ‬p ‫ؠ‬áp n ‫ؠؠ ؠ‬ên ‫ ؠ‬địn ‫ ؠ‬lư ‫ ؠ‬n ‫ ؠ‬v ‫ ؠ‬ma ‫ ؠ‬đ ‫ؠ‬e ‫ ؠ‬tra ·············59 3.2.3.1 N ‫ؠؠ ؠ‬ên ‫ ؠ‬địn ‫ ؠ‬lư ‫ ؠ‬n ‫·················································· ؠ‬59 3.2.3.2 So lư ‫ ؠ‬n ‫ ؠ‬ma ‫ ؠ‬k ‫ ؠؠ‬o sát n ‫ؠؠ ؠ‬ên ‫ ؠ‬địn ‫ ؠ‬lư ‫ ؠ‬n ‫···················· ؠ‬64 3.2.4 ‫ؠؠ‬ân tíc ‫ ؠ‬dữ l ‫ؠ‬ệ ‫ ؠ‬v ‫ ؠ‬k ‫ؠ‬em địn ‫ ؠ‬Bootstrap ······························65 3.3 Xâ⤂ dựn ‫ ؠ‬v ‫ ؠ‬p ‫ؠ‬át tr ‫ؠ‬en t ‫ؠ‬an ‫ ؠ‬đo n ‫ؠؠ ؠ‬ên ‫ ؠ‬sơ b (n ‫ؠ‬áp) ···········65 3.3.1 T ‫ؠ‬an ‫ ؠ‬đo đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫············································· ؠ‬65 3.3.2 T ‫ؠ‬an ‫ ؠ‬đo n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro v ‫ ؠ‬k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn ·····················65 3.3.3 T ‫ؠ‬an ‫ ؠ‬đo ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư ·····················································68 3.3.4 T ‫ؠ‬an ‫ ؠ‬đo dự địn ‫ ؠ‬đầ ‫ ؠ‬tư·················································68 3.4 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬sơ b ····················································69 3.4.1 Ðặc đ ‫ؠ‬em n ‫ ؠؠ‬đầ ‫ ؠ‬tư ·························································70 3.4.2 ‫ؠؠ‬ân tíc ‫ ؠ‬Cronbac ‫’ؠ‬s alp ‫ؠ‬a·············································72 3.4.2.1 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫···················· ؠ‬72 3.4.2.2 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro v ‫ ؠ‬k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn 3.4.2.3 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư ····························77 3.4.2.4 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo dự địn ‫ ؠ‬đầ ‫ ؠ‬tư·······················77 3.4.3 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠ‬ân to k ‫ؠ‬ám p ‫ؠ‬á (E ‫ ؠ‬A)·································78 3.4.3.1 ‫ؠؠ‬ân tíc ‫ ؠ‬E ‫ ؠ‬A đặc đ ‫ؠ‬em năm tín ‫ ؠ‬các ‫····························· ؠ‬79 3.4.3.2 ‫ؠؠ‬ân tíc ‫ ؠ‬E ‫ ؠ‬A t ‫ؠ‬an ‫ ؠ‬đo n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro v ‫ ؠ‬k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn 82 3.4.3.3 ‫ؠؠ‬ân tíc ‫ ؠ‬E ‫ ؠ‬A t ‫ؠ‬an ‫ ؠ‬đo ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ·······82 3.5 Ðe x ‫ ؠ‬at mơ ‫ؠ‬ìn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức ································84 3.5.1 T ‫ؠ‬an ‫ ؠ‬đo v ‫ ؠ‬các b ‫ؠ‬en q ‫ ؠ‬an sát n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức ············84 3.5.2 Tổn ‫ ؠؠ ؠ‬p ‫ ؠؠ ؠ‬t ‫ؠؠ‬et n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức ·······················87 3.5.3 Ðe x ‫ ؠ‬at mơ ‫ؠ‬ìn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức ·····························88 3.6 Tóm tắt c ‫ؠ‬ươn ‫ ؠ‬3······························································88 CHƯON ‫ ؤ‬- KẾT Q ‫ؤ‬Ả N ‫ؤ‬HIÊN CỨ ‫ ؤ‬VÀ THẢO L ‫ؤ‬ẬN 4.1 ‫ؠؤ‬ớ ‫ ؠ‬t ‫ؠؠ‬ệ ‫······································································· ؠ‬90 4.2 Ma ‫ ؠ‬k ‫ ؠؠ‬o sát v ‫ ؠ‬đặc đ ‫ؠ‬em n ‫ ؠؠ‬đầ ‫ ؠ‬tư tron ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức 90 4.2.1 Ma ‫ ؠ‬k ‫ ؠؠ‬o sát n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức ··································90 4.2.2 T ‫ؠ‬on ‫ ؠ‬kê đặc đ ‫ؠ‬em NÐT cá n ‫ؠ‬ân n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức ·········91 4.3 Ket q ‫ ؠؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức (N=465) ·································93 4.3.1 Ðán ‫ؠ ؠ ؠ‬á ‫ؠ‬ệ so t ‫ؠ‬n c ⤂ Cronbac ‫’ؠ‬s alp ‫ؠ‬a ·······························93 4.3.1.1 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫···················· ؠ‬93 4.3.1.2 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro, k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn 95 4.3.1.3 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư ····························96 4.3.1.4 Cronbac ‫’ؠ‬s alp ‫ؠ‬a t ‫ؠ‬an ‫ ؠ‬đo dự địn ‫ ؠ‬đầ ‫ ؠ‬tư·······················96 4.3.2 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠ‬ân to k ‫ؠ‬ám p ‫ؠ‬á (E ‫ ؠ‬A)································97 4.3.2.1 ‫ؠؠ‬ân tíc ‫ ؠ‬E ‫ ؠ‬A đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫··································· ؠ‬97 4.3.2.2 ‫ؠؠ‬ân tíc ‫ ؠ‬E ‫ ؠ‬A t ‫ؠ‬an ‫ ؠ‬đo n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro v ‫ ؠ‬k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn 99 4.3.2.3 ‫ؠؠ‬ân tíc ‫ ؠ‬E ‫ ؠ‬A ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ··················100 75 4.3.3 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠ‬ân to k ‫ؠ‬an ‫ ؠ‬địn ‫( ؠ‬C ‫ ؠ‬A)····································101 4.3.3.1 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠ‬ân to k ‫ؠ‬an ‫ ؠ‬địn ‫( ؠ‬C ‫ ؠ‬A) đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫····· ؠ‬101 4.3.3.2 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠ‬ân to k ‫ؠ‬an ‫ ؠ‬địn ‫( ؠ‬C ‫ ؠ‬A) t ‫ؠ‬an ‫ ؠ‬đo RISK v ‫ؤ ؠ‬NCE 103 4.3.3.3 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠ‬ân to k ‫ؠ‬an ‫ ؠ‬địn ‫( ؠ‬C ‫ ؠ‬A) t ‫ؠ‬an ‫ ؠ‬đo RET ‫ ؤ‬v ‫ ؠ‬INTE 105 4.3.3.4 ‫ؠؠ‬ân tíc ‫ ؠ‬n ‫ؠ‬ân to k ‫ؠ‬an ‫ ؠ‬địn ‫( ؠ‬C ‫ ؠ‬A) mơ ‫ؠ‬ìn ‫ ؠ‬đo lườn ‫ ؠ‬tớ ‫ ؠؠ ؠ‬n 107 4.4 ‫ؠؠ‬ân tíc ‫ ؠ‬mơ ‫ؠ‬ìn ‫ ؠ‬bằn ‫ ؠ‬p ‫ؠ‬ươn ‫ ؠ‬p ‫ؠ‬áp ca ‫ ؠ‬trúc t ‫⤂ؠ‬en tín ‫( ؠ‬SEM)··111 4.4.1 Ket q ‫ ؠ ؠؠ‬n ‫ؠ ؠ‬ưởn ‫ ؠ‬trực t ‫ؠ‬ep v ‫ ؠ‬k ‫ؠ‬em địn ‫ ؠؠ ؠ ؠ‬t ‫⤂ؠؠ‬et n ‫ؠؠ ؠ‬ên ‫ؠ‬ 112 4.4.1.1 Mo ‫ ؠ‬q ‫ ؠ‬an ‫ؠ‬ệ ‫ؠ ؠ‬ữa đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫ ؠ‬vớ ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư - ‫ ؠؠ ؠ‬t ‫⤂ؠؠ‬et H1.1 - H1.5···························································112 4.4.1.2 Mo ‫ ؠ‬q ‫ ؠ‬an ‫ؠ‬ệ ‫ؠ ؠ‬ữa đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫ ؠ‬vớ ‫ ؠ‬n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro ‫ ؠؠ ؠ‬t ‫⤂ؠؠ‬et H2.1 - H2.5······························································115 4.4.1.3 Mo ‫ ؠ‬q ‫ ؠ‬an ‫ؠ‬ệ ‫ؠ ؠ‬ữa đặc đ ‫ؠ‬em tín ‫ ؠ‬các ‫ ؠ‬vớ ‫ ؠ‬n ‫ ؠ‬n t ‫ؠ‬ức k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn - ‫ ؠؠ ؠ‬t ‫⤂ؠؠ‬et H3.1 - H3.5·················································117 4.4.1.4 Mo ‫ ؠ‬q ‫ ؠ‬an ‫ؠ‬ệ n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro v ‫ ؠ‬ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư ·············118 4.4.1.5 Mo ‫ ؠ‬q ‫ ؠ‬an ‫ؠ‬ệ n ‫ ؠ‬n t ‫ؠ‬ức k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn v ‫ ؠ‬ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư 118 4.4.1.6 Mo ‫ ؠ‬q ‫ ؠ‬an ‫ؠ‬ệ ket q ‫ ؠؠ‬đầ ‫ ؠ‬tư v ‫ ؠ‬dự địn ‫ ؠ‬đầ ‫ ؠ‬tư ·····················118 4.4.2 Ket q ‫ ؠ ؠؠ‬n ‫ؠ ؠ‬ưởn ‫ؠ ؠ ؠ‬án t ‫ؠ‬ep v ‫ ؠ‬k ‫ؠ‬em địn ‫ ؠؠ ؠ ؠ‬t ‫⤂ؠؠ‬et ·············120 4.5 ‫ؠؠ‬ân tíc ‫ ؠ‬mơ ‫ؠ‬ìn ‫ ؠ‬bằn ‫ ؠ‬p ‫ؠ‬ươn ‫ ؠ‬p ‫ؠ‬áp Bootstrap························122 4.6 Tóm tắt c ‫ؠ‬ươn ‫ ؠ‬4‫····························································· ؠ‬123 CHƯON ‫ ؤ‬- KẾT L ‫ؤ‬ẬN VÀ HÀM Ý CHÍNH SÁCH, Q ‫ؤ‬ẢN TRỊ 5.1 ‫ؠؤ‬ớ ‫ ؠ‬t ‫ؠؠ‬ệ ‫····································································· ؠ‬124 5.2 Ket l ‫ ؠ‬n··············································································124 5.2.1 Ket q ‫ ؠؠ‬đ ‫ ؠ‬t đư ‫ ؠ‬c mục t ‫ؠ‬ê ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫································ ؠ‬125 5.2.2 Ket q ‫ ؠؠ‬n ‫ؠؠ ؠ‬ên ‫························································· ؠ‬125 5.2.3 Ðón ‫ ؠ ؠ‬óp n ‫ؠؠ ؠ‬ên ‫················································· ؠ‬128 5.2.3.1 Ðón ‫ ؠ ؠ‬óp ve mặt lý t ‫⤂ؠؠ‬et·······················································128 5.2.3.2 Ðón ‫ ؠ ؠ‬óp ve mặt t ‫ؠ‬ực t ‫ؠ‬en ··············································129 5.3 H ‫ ؠ‬m ý c ‫ؠ‬ín ‫ ؠ‬sác ‫ؠ‬, q ‫ ؠؠ‬n trị ················································130 5.4 H ‫ ؠ‬n c ‫ؠ‬e n ‫ؠؠ ؠ‬ên ‫ ؠ‬v ‫ؠ ؠ‬ướn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬t ‫ؠ‬ep t ‫ؠ‬eo 딠 ·········132 5.4.1 H ‫ ؠ‬n c ‫ؠ‬e n ‫ؠؠ ؠ‬ên ‫······················································· ؠ‬132 5.4.2 Hướn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬t ‫ؠ‬ep t ‫ؠ‬eo ·············································133 Các ‫ ؠ‬trìn ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫···························································ؠ‬1- T ‫ ؠ ؠ‬l ‫ؠ‬ệ ‫ ؠ‬t ‫ؠ‬am k ‫ ؠؠ‬o···································································· -2‫ؠؠ‬ụ lục Câ ‫ؠ ؠ‬ỏ ‫ ؠ‬n ‫ ؠ‬n t ‫ؠ‬ức rủ ‫ ؠ‬ro···············································-15‫ؠؠ‬ụ lục Câ ‫ؠ ؠ‬ỏ ‫ ؠ‬n ‫ ؠ‬n t ‫ؠ‬ức k ‫ؠ‬ôn ‫ ؠ‬c ‫ؠ‬ắc c ‫ؠ‬ắn································· -15‫ؠؠ‬ụ lục B ‫ ؠ‬n ‫ ؠ‬câ ‫ؠ ؠ‬ỏ ‫ ؠ‬của tác ‫( ؠؠ ؠ‬b ‫ ؠ‬n ‫ ؠ‬oc)······························-16‫ؠؠ‬ụ lục B ‫ ؠ‬n ‫ ؠ‬câ ‫ؠ ؠ‬ỏ ‫ ؠ‬k ‫ ؠؠ‬o sát n ‫ؠؠ ؠ‬ên ‫ ···································ؠ‬-18‫ؠؠ‬ụ lục Dan ‫ ؠ‬sác ‫ ؠ‬c ‫⤂ؠؠ‬ên ‫ؠ ؠ‬a p ‫ؠ‬ỏn ‫ ؠ‬van sâ ‫ ·······························ؠ‬-23‫ؠؠ‬ụ lục Tổn ‫ ؠؠ ؠ‬p t ‫ؠ‬an ‫ ؠ‬đo v ‫ ؠ‬b ‫ؠ‬en q ‫ ؠ‬an sát n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức -24‫ؠؠ‬ụ lục Ket q ‫ ؠؠ‬p ‫ؠ‬ân tíc ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬sơ b ································· -26‫ؠؠ‬ụ lục Ket q ‫ ؠؠ‬p ‫ؠ‬ân tíc ‫ ؠ‬n ‫ؠؠ ؠ‬ên ‫ ؠ‬c ‫ؠ‬ín ‫ ؠ‬t ‫ؠ‬ức··························· -35- Total Var 딠ance Expla 딠ned Extract ‫ؠ‬on S ‫ ؠ‬ms of Sq ‫ ؠ‬ared Load ‫ؠ‬n ‫ؠ‬ s In ‫ؠ‬t ‫ؠ‬al E ‫ ؠؠ‬enval ‫ ؠ‬es ‫ ؠ‬actor Total 5.329 1.725 495 427 291 226 190 165 152 % of Var ‫ؠ‬anc e 59.210 19.169 5.503 4.740 3.231 2.514 2.107 1.837 1.688 C‫ؠ‬m‫ؠ‬ la t ‫ؠ‬ve % 59.210 78.379 83.883 88.623 91.854 94.368 96.475 98.312 100.000 Rotat ‫ؠ‬on S ‫ ؠ‬ms of Sq ‫ ؠ‬ared Load ‫ؠ‬n ‫ ؠ‬sa C‫ؠ‬m‫ؠ‬l % of Var ‫ؠ‬anc at e ‫ؠ‬ve % 5.099 56.660 56.660 1.297 14.412 71.072 Total 딠 attern Matr 딠xa ‫ ؠ‬actor INTE3 INTE4 INTE2 INTE1 INTE5 INTE6 RET ‫ؤ‬ RET ‫ؤ‬ RET ‫ؤ‬ 931 900 895 886 875 849 772 727 714 딠 L 딠 딠 EFA tồn b mơ hình KM⤡ and Bartlett's Test Ka ‫ؠ‬ser-Me⤂er-Olk ‫ؠ‬n Meas ‫ ؠ‬re of Sampl ‫ؠ‬n ‫ ؠ‬Adeq ‫ ؠ‬ac⤂ Approx C ‫ؠؠ‬-Sq ‫ ؠ‬are df Bartlett's Test of Sp ‫ؠ‬er ‫ؠ‬c ‫ؠ‬t⤂ S ‫ؠؠ‬ .819 7044.473 325 000 Total 5.004 2.358 Total Var 딠ance Expla 딠ned In ‫ؠ‬t ‫ؠ‬al E ‫ ؠؠ‬enval ‫ ؠ‬es ‫ ؠ‬actor Total % of Var ‫ؠ‬anc e C‫ؠ‬m‫ؠ‬ la t ‫ؠ‬ve % Extract ‫ؠ‬on S ‫ ؠ‬ms of Sq ‫ ؠ‬ared Load ‫ؠ‬n ‫ؠ‬ s Total % of Var ‫ؠ‬anc e C‫ؠ‬m‫ؠ‬ la t ‫ؠ‬ve % Rotat ‫ؠ‬on S ‫ ؠ‬ms of Sq ‫ ؠ‬ared Load ‫ؠ‬n ‫ ؠ‬sa Total 6.262 24.085 24.085 6.002 23.084 23.084 5.382 3.301 12.694 36.780 3.007 11.566 34.650 2.471 2.464 9.479 46.258 2.133 8.204 42.854 2.435 1.835 7.056 53.314 1.540 5.924 48.777 2.635 1.706 6.563 59.877 1.456 5.600 54.377 2.420 1.581 6.080 65.957 1.201 4.621 58.998 2.743 1.322 5.083 71.040 972 3.740 62.737 1.812 1.109 4.267 75.307 797 3.066 65.804 2.179 1.053 4.052 79.359 678 2.607 68.411 2.746 10 570 2.192 81.551 11 500 1.922 83.473 12 490 1.886 85.360 13 470 1.809 87.168 14 428 1.647 88.815 15 404 1.555 90.370 16 359 1.379 91.749 17 340 1.307 93.056 18 303 1.164 94.221 19 280 1.078 95.299 20 227 875 96.174 21 212 815 96.989 22 199 765 97.754 23 179 690 98.444 24 154 594 99.038 25 145 556 99.594 26 106 406 100.000 Extract ‫ؠ‬on Met ‫ؠ‬od‫ؠ ؠ‬r ‫ؠ‬nc ‫ؠ‬pal Ax ‫ؠ‬s ‫ ؠ‬actor ‫ؠ‬n ‫ؠ‬ 930 902 897 895 873 838 딠 attern Matr 딠xa ‫ ؠ‬actor INTE3 INTE2 INTE1 INTE4 INTE5 INTE6 A ‫ؤ‬R2 896 A ‫ؤ‬R1 865 A ‫ؤ‬R3 684 RISK2 955 RISK1 928 RET ‫ؤ‬ 759 RET ‫ؤ‬ 740 RET ‫ؤ‬ 708 121 O ‫ؠ‬EN1 749 O ‫ؠ‬EN2 737 O ‫ؠ‬EN3 667 CON2 CON3 CON1 NE ‫ؤ‬ NE ‫ؤ‬ ‫ؤ‬NCE1 ‫ؤ‬NCE2 EXT2 EXT1 Extract ‫ؠ‬on Met ‫ؠ‬od‫ؠ ؠ‬r ‫ؠ‬nc ‫ؠ‬pal Ax ‫ؠ‬s ‫ ؠ‬actor ‫ؠ‬n ‫ؠ‬ 884 854 819 816 861 760 Est ‫ؠ‬mate S.E C.R ‫ؠ‬ A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R O ‫ؠ‬EN 1.000 977 746 1.000 049 047 19.788 15.971 *** *** < - O ‫ؠ‬EN 840 071 11.897 *** < < < < - 796 711 641 딠 L 딠 딠 hân tích nhân tố khan⣈ định CFA ch 딠ẩn hóa 딠 L 딠 딠 CFA đặc đ 딠ểm tính cách Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) A ‫ؤ‬R2 A ‫ؤ‬R1 A ‫ؤ‬R3 O ‫ؠ‬EN O ‫ؠ‬EN Label O ‫ؠ‬EN CON2 CON3 CON1 NE ‫ؤ‬ NE ‫ؤ‬ EXT2 EXT1 Est ‫ؠ‬mate S.E C.R ‫ؠ‬ < - O ‫ؠ‬EN 1.004 083 12.128 *** < < < < < < < - 1.000 980 791 1.000 1.178 1.000 1.227 077 066 12.736 11.906 *** *** 141 8.347 *** 121 10.184 *** CON CON CON NE ‫ؤ‬ NE ‫ؤ‬ EXT EXT Label Standard 딠zed Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate A ‫ؤ‬R2 A ‫ؤ‬R1 A ‫ؤ‬R3 O ‫ؠ‬EN O ‫ؠ‬EN O ‫ؠ‬EN CON2 CON3 CON1 NE ‫ؤ‬ NE ‫ؤ‬ EXT2 EXT1 A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R O ‫ؠ‬EN 853 898 688 767 < - O ‫ؠ‬EN 681 < - O ‫ؠ‬EN 710 < < < < < < < - 792 717 645 904 838 770 871 < < < < - CON CON CON NE ‫ؤ‬ NE ‫ؤ‬ EXT EXT Correlat 딠ons: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R O ‫ؠ‬E N O ‫ؠ‬E N O ‫ؠ‬E N CON CON NE ‫ؤ‬ < > < > < > < > < > O ‫ؠ‬EN CON NE ‫ؤ‬ EXT CON 009 -.217 312 -.241 480 < > NE ‫ؤ‬ -.026 < > EXT 328 < > NE ‫ؤ‬ < > EXT < > EXT -.023 464 -.150 Model F 딠t S 딠mmary CM 딠N Model N ‫ؠ‬AR Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model ‫ؠ‬ CMIN/D ‫ؠ‬ 000 1.887 000 30.150 CMIN D ‫ؠ‬ 36 91 13 103.783 000 2351.705 55 78 RMR, GF 딠 Model ‫ ؠؤ‬I A ‫ ؠؤ‬I 029 000 182 968 1.000 520 947 ‫ؠؤؠ‬ I 585 440 445 N‫ؠ‬ R‫ؠ‬ Ir ‫ؠ‬o1 937 I‫ؠ‬ RMR Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model Basel 딠ne Compar 딠sons Model Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model I Delta1 956 1.000 000 000 I Delta2 979 1.000 000 TLI C‫ؠ‬I r ‫ؠ‬o2 970 979 1.000 000 000 RMSEA Model Defa ‫ ؠ‬lt model Independence model RMSEA LO 90 044 251 031 242 HI 90 ‫ؠ‬CLOSE 057 259 779 000 딠 L 딠 딠 CFA R 딠 SK ֲNCE Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate RISK2 RISK1 ‫ؤ‬NCE2 ‫ؤ‬NCE1 < < < < - RISK RISK ‫ؤ‬NCE ‫ؤ‬NCE 1.000 1.042 1.000 1.110 S.E C.R ‫ؠ‬ 101 10.327 *** 199 5.581 *** Label Standard 딠zed Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate RISK2 RISK1 ‫ؤ‬NCE2 ‫ؤ‬NCE1 < < < < - RISK RISK ‫ؤ‬NCE ‫ؤ‬NCE 925 953 754 878 Correlat 딠ons: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate RISK < > ‫ؤ‬NCE 274 Model F 딠t S 딠mmary CM 딠N Model N ‫ؠ‬AR Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model CMIN D ‫ؠ‬ 10 688 000 993.379 ‫ؠ‬ CMIN/D ‫ؠ‬ 407 688 000 165.563 RMR, GF 딠 Model ‫ ؠؤ‬I A ‫ ؠؤ‬I 002 000 317 999 1.000 589 993 ‫ؠؤؠ‬ I 100 316 354 N‫ؠ‬ R‫ؠ‬ Ir ‫ؠ‬o1 996 I‫ؠ‬ RMR Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model Basel 딠ne Compar 딠sons Model Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model I Delta1 999 1.000 000 000 I Delta2 1.000 1.000 000 TLI r ‫ؠ‬o2 1.002 000 C‫ؠ‬I 1.000 1.000 000 RMSEA Model Defa ‫ ؠ‬lt model Independence model RMSEA LO 90 000 596 000 565 HI 90 ‫ؠ‬CLOSE 115 627 626 000 딠 L 딠 딠 CFA RETֲ 딠 NTE Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) INTE3 INTE4 INTE2 INTE1 INTE5 INTE6 RET ‫ؤ‬ RET ‫ؤ‬ RET ‫ؤ‬ Est ‫ؠ‬mate S.E C.R ‫ؠ‬ INTE INTE INTE INTE INTE INTE RET ‫ؤ‬ 1.000 973 948 991 946 954 1.000 031 030 032 032 033 31.388 31.528 30.604 29.716 28.714 *** *** *** *** *** < - RET ‫ؤ‬ 951 075 12.738 *** < - RET ‫ؤ‬ 955 076 12.651 *** < < < < < < < - Label Standard 딠zed Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate INTE3 < - INTE 914 INTE4 < - INTE 896 INTE2 < - INTE 898 INTE1 < - INTE 888 INTE5 < - INTE 878 INTE6 < - INTE 866 RET ‫< ؤ‬ - RET ‫ؤ‬ 789 RET ‫< ؤ‬ - RET ‫ؤ‬ 718 RET ‫< ؤ‬ - RET ‫ؤ‬ 707 Correlat 딠ons: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate INTE < > RET ‫ؤ‬ 390 Model F 딠t S 딠mmaryCM 딠 N Model N ‫ؠ‬AR Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model RMR, GF 딠 Model CMIN D ‫ؠ‬ 19 45 68.849 000 3435.494 ‫ ؠؤ‬I A ‫ ؠؤ‬I CMIN/D ‫ؠ‬ 000 2.648 000 95.430 015 000 440 967 1.000 281 944 ‫ؠؤؠ‬ I 559 101 225 N‫ؠ‬ R‫ؠ‬ Ir ‫ؠ‬o1 972 I‫ؠ‬ RMR Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model 26 36 ‫ؠ‬ Basel 딠ne Compar 딠sons Model Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model I Delta1 980 1.000 000 RMSEA Model RMSEA LO 90 060 451 043 438 Defa ‫ ؠ‬lt model Independence model 000 I Delta2 987 1.000 000 TLI C‫ؠ‬I r ‫ؠ‬o2 983 000 987 1.000 000 HI 90 ‫ؠ‬CLOSE 077 464 165 000 딠 L 딠 딠 CFA mơ hình tớ 딠 hạn Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate INTE3 INTE2 INTE1 INTE4 INTE5 INTE6 A ‫ؤ‬R2 A ‫ؤ‬R1 A ‫ؤ‬R3 RISK2 RISK1 RET ‫ؤ‬ RET ‫ؤ‬ RET ‫ؤ‬ O ‫ؠ‬EN O ‫ؠ‬EN O ‫ؠ‬EN CON2 CON3 CON1 NE ‫ؤ‬ NE ‫ؤ‬ ‫ؤ‬NCE1 ‫ؤ‬NCE2 EXT2 EXT1 < < < < < < < < < < < < - S.E C.R ‫ؠ‬ 030 032 031 032 033 31.492 30.569 31.413 29.718 28.755 *** *** *** *** *** 049 047 19.935 15.900 *** *** 069 15.434 *** 1 1 1 2 3 1.000 948 991 974 946 954 1.000 984 744 1.000 1.062 1.000 < - 942 073 12.843 *** < - 960 075 12.838 *** < - 1.000 < - 1.211 101 11.965 *** < - 1.190 102 11.670 *** < < < < < < < < < - 1.000 996 788 1.000 1.380 1.000 907 1.000 1.273 077 066 12.908 11.890 *** *** 148 9.300 *** 097 9.381 *** 106 12.037 *** 6 7 8 9 Label Standard 딠zed Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate INTE3 INTE2 INTE1 INTE4 INTE5 INTE6 A ‫ؤ‬R2 A ‫ؤ‬R1 A ‫ؤ‬R3 RISK2 RISK1 < < < < < < < < < < < - 1 1 1 2 3 914 897 888 897 878 867 850 903 685 916 962 Est ‫ؠ‬mate RET ‫ؤ‬ RET ‫ؤ‬ RET ‫ؤ‬ O ‫ؠ‬EN O ‫ؠ‬EN O ‫ؠ‬EN CON2 CON3 CON1 NE ‫ؤ‬ NE ‫ؤ‬ ‫ؤ‬NCE1 ‫ؤ‬NCE2 EXT2 EXT1 < - 790 < - 712 < - 712 < - 677 < - 777 < - 703 < < < < < < < < < - 788 726 640 835 908 875 757 756 887 6 7 8 9 Correlat 딠ons: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate 1 1 1 1 2 2 2 3 3 3 4 < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > 9 -.026 188 390 209 182 -.003 216 298 -.161 -.134 008 -.219 301 -.008 -.238 160 166 248 -.013 274 298 197 245 011 Est ‫ؠ‬mate INTE INTE INTE INTE INTE INTE INTE INTE A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R RISK RISK RISK RISK RISK RISK RET ‫ؤ‬ RET ‫ؤ‬ RET ‫ؤ‬ < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > < > A ‫ؤ‬R RISK RET ‫ؤ‬ O ‫ؠ‬EN CON NE ‫ؤ‬ ‫ؤ‬NCE EXT RISK RET ‫ؤ‬ O ‫ؠ‬EN CON NE ‫ؤ‬ ‫ؤ‬NCE EXT RET ‫ؤ‬ O ‫ؠ‬EN CON NE ‫ؤ‬ ‫ؤ‬NCE EXT O ‫ؠ‬EN CON NE ‫ؤ‬ -.026 188 390 209 182 -.003 216 298 -.161 -.134 008 -.219 301 -.008 -.238 160 166 248 -.013 274 298 197 245 011 < > 166 RET ‫< ؤ‬ > ‫ؤ‬NCE 166 Est ‫ؠ‬mate 5 5 6 7 < > < > < > < > < > < > < > < > < > < > < > 9 9 Est ‫ؠ‬mate RET ‫ؤ‬ O ‫ؠ‬EN O ‫ؠ‬EN O ‫ؠ‬EN O ‫ؠ‬EN CON CON CON NE ‫ؤ‬ NE ‫ؤ‬ ‫ؤ‬NCE 220 478 -.003 251 325 -.006 252 460 -.167 -.149 358 < > < > < > < > < > < > < > < > < > < > < > EXT CON NE ‫ؤ‬ ‫ؤ‬NCE EXT NE ‫ؤ‬ ‫ؤ‬NCE EXT ‫ؤ‬NCE EXT EXT 220 478 -.003 251 325 -.006 252 460 -.167 -.149 358 Model F 딠t S 딠mmary RMSEA Model RMSEA LO 90 036 213 029 209 042 218 N ‫ؠ‬AR CMIN D‫ؠ‬ ‫ؠ‬ CMIN/D ‫ؠ‬ 88 351 26 420.361 000 7191.717 263 325 000 1.598 000 22.128 Defa ‫ ؠ‬lt model Independence model HI 90 ‫ؠ‬CLOSE 1.000 000 CM 딠 N Model Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model RMR, GF 딠 Model 026 000 205 936 1.000 366 915 ‫ؠؤؠ‬ I 701 315 339 N‫ؠ‬ R‫ؠ‬ Ir ‫ؠ‬o1 928 I‫ؠ‬ RMR Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model ‫ ؠؤ‬I A ‫ ؠؤ‬I Basel 딠ne Compar 딠sons Model Defa ‫ ؠ‬lt model Sat ‫ ؠ‬rated model Independence model I Delta1 942 1.000 000 000 I Delta2 977 1.000 000 TLI C‫ؠ‬I r ‫ؠ‬o2 972 000 977 1.000 000 딠 L 딠 딠 hân tích mơ hình phươn⣈ pháp cấ 딠 trúc t 딠yen tính tùn⣈ tính cách Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) RISK < RISK < RISK < RISK < RISK < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < RET ‫< ؤ‬ RET ‫< ؤ‬ INTE < INTE < INTE < INTE < INTE < INTE < - A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT RISK ‫ؤ‬NCE RET ‫ؤ‬ A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT Est ‫ؠ‬mate S.E C.R ‫ؠ‬ -.101 164 082 071 303 089 109 119 -.154 261 096 157 450 057 -.039 129 018 286 057 123 100 078 082 041 087 071 056 059 038 061 068 051 110 090 070 073 -1.757 1.337 825 908 3.715 2.176 1.246 1.672 -2.743 4.443 2.510 2.560 6.571 1.111 -.358 1.443 254 3.917 079 181 409 364 *** 030 213 095 006 *** 012 010 *** 267 720 149 800 *** Label Standard 딠zed Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate RISK < RISK < RISK < RISK < RISK < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < RET ‫< ؤ‬ RET ‫< ؤ‬ INTE < INTE < INTE < INTE < INTE < INTE < - A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT RISK ‫ؤ‬NCE RET ‫ؤ‬ A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT -.097 095 053 048 237 126 093 114 -.154 301 135 149 344 058 -.024 090 013 239 Correlat 딠ons: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R A ‫ؤ‬R CON CON CON O ‫ؠ‬E N O ‫ؠ‬E N NE ‫ؤ‬ < > < > < > < > < > < > < > < > CON O ‫ؠ‬EN NE ‫ؤ‬ EXT O ‫ؠ‬EN NE ‫ؤ‬ EXT NE ‫ؤ‬ -.219 008 306 -.239 478 -.009 461 -.007 < > EXT 326 < > EXT -.150 Total Effects (Gro 딠p n 딠mber - Defa 딠lt model) ‫ؤ‬NCE RISK RET ‫ؤ‬ INTE EXT NE ‫ ؤ‬O ‫ؠ‬EN CON 261 303 070 317 109 164 033 -.024 -.154 071 -.017 010 119 082 027 141 A‫ؤ‬ R 089 -.101 004 059 ‫ؤ‬NCE RISK RET ‫ؤ‬ 000 000 157 071 000 000 096 043 000 000 000 450 INTE 000 000 000 000 Standard 딠zed Total Effects (Gro 딠p n 딠mber - Defa 딠lt model) EXT NE O ‫ؠ‬EN CON A ‫ؤ‬R ‫ؤ‬NCE RISK RET ‫ؤ‬ ‫ؤ‬ ‫ؤ‬NCE 301 -.154 114 093 126 000 000 000 RISK 237 048 053 095 -.097 000 000 000 RET ‫ ؤ‬.077 -.016 024 027 006 149 135 000 INTE 265 007 098 -.015 060 051 046 344 INTE 000 000 000 000 D 딠rect Effects (Gro 딠p n 딠mber - Defa 딠lt model) ‫ؤ‬NCE RISK RET ‫ؤ‬ INTE EXT NE ‫ ؤ‬O ‫ؠ‬EN CON 261 303 000 286 109 164 000 -.039 -.154 071 000 018 119 082 000 129 A‫ؤ‬ R 089 -.101 000 057 ‫ؤ‬NCE RISK RET ‫ؤ‬ 000 000 157 000 000 000 096 000 000 000 000 450 INTE 000 000 000 000 Standard 딠zed D 딠rect Effects (Gro 딠p n 딠mber - Defa 딠lt model) EXT ‫ؤ‬NCE RISK RET ‫ؤ‬ INTE 301 237 000 239 NE O ‫ؠ‬EN ‫ؤ‬ -.154 114 048 053 000 000 013 090 CON A ‫ؤ‬R 093 095 000 -.024 126 -.097 000 058 ‫ؤ‬NCE 000 000 149 000 RISK RET ‫ؤ‬ 000 000 135 000 000 000 000 344 INTE 000 000 000 000 딠 nd 딠rect Effects (Gro 딠p n 딠mber - Defa 딠lt model) EXT ‫ؤ‬NCE RISK RET ‫ؤ‬ INTE 000 000 070 032 NE O ‫ؠ‬EN ‫ؤ‬ 000 000 000 000 -.017 027 -.008 012 CON A ‫ؤ‬R 000 000 033 015 000 000 004 002 ‫ؤ‬NCE 000 000 000 071 RISK RET ‫ؤ‬ 000 000 000 043 INTE 000 000 000 000 000 000 000 000 RISK RET ‫ؤ‬ INTE Standard 딠zed 딠 nd 딠rect Effects (Gro 딠p n 딠mber - Defa 딠lt model) EXT ‫ؤ‬NCE RISK RET ‫ؤ‬ INTE 000 000 077 026 NE O ‫ؠ‬EN ‫ؤ‬ 000 000 000 000 -.016 024 -.006 008 CON A ‫ؤ‬R 000 000 027 009 000 000 006 002 ‫ؤ‬NCE 000 000 000 051 000 000 000 046 000 000 000 000 딠 L 딠 K 딠ểm định phươn⣈ pháp Bootstrap Standard 딠zed Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) Est ‫ؠ‬mate RISK < RISK < RISK < RISK < RISK < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < RET ‫< ؤ‬ RET ‫< ؤ‬ INTE < INTE < INTE < INTE < INTE < INTE < - A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT RISK ‫ؤ‬NCE RET ‫ؤ‬ A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT -.097 095 053 048 237 126 093 114 -.154 301 135 149 344 058 -.024 090 013 239 000 000 000 000 Standard 딠zed Re⣈ress 딠on We 딠⣈hts: (Gro 딠p n 딠mber - Defa 딠lt model) ‫ؠ‬arameter RISK < RISK < RISK < RISK < RISK < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < ‫ؤ‬NCE < RET ‫< ؤ‬ RET ‫< ؤ‬ INTE < INTE < INTE < INTE < INTE < INTE < - A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT RISK ‫ؤ‬NCE RET ‫ؤ‬ A ‫ؤ‬R CON O ‫ؠ‬EN NE ‫ؤ‬ EXT SE SE-SE Mean B ‫ؠ‬as SE-B ‫ؠ‬as 059 101 081 059 081 068 092 075 075 083 064 069 053 054 074 078 054 071 001 002 002 001 002 002 002 002 002 002 001 002 001 001 002 002 001 002 -.090 088 052 042 241 124 095 117 -.145 300 128 148 342 059 -.023 088 013 239 006 -.007 -.002 -.005 004 -.002 001 003 009 -.001 -.007 -.001 -.002 001 002 -.002 000 001 002 003 003 002 003 002 003 002 002 003 002 002 002 002 002 002 002 002 딠 L 딠 Ket q 딠ả mơ hình n⣈h 딠ên 딠 C 돠 i-squ돠re = 454,892; C 돠 i-squ돠re/df =1,679; Df = 271; TLI = 0.968; CFI = 0,973; MRSEA = 0,038