Các nhân tố ảnh hưởng đến khả năng tiếp cận vốn vay ngắn hạn của doanh nghiệp nhỏ và vừa tại Ngân hàng Thương mại Cổ phần Hàng hải Việt Nam (mSB) Thành phố Hồ Chí minh

Abstract

The purpose of this study is to identify and measure the impact of factors on the ability to access short-term loans of smal
and medium enterprises at Vietnam Maritime Commercial Joint Stock Bank (MSB) in Ho Chi Minh City. Based on a sample
size of 403 enterprises and using a combination of qualitative and quantitative research methods, the research results show
that there are 5 factors that have a positive impact on the ability to access short-term loans of sma l and medium enterprises
at Vietnam Maritime Commercial Joint Stock Bank (MSB) in Ho Chi Minh City, including: Enterprise characteristics; Enterprise finance; Enterprise co lateral; Enterprise credit history and MSB credit products. The results of data co lection and multivariate regression testing with the support of SPSS 26 software measured the impact of the above factors on the ability to access short-term loans of sma l and medium enterprises at Vietnam Maritime Commercial Joint Stock Bank (MSB) in Ho Chi Minh City. From there, the study proposes a number of recommendations to improve the ability to access short term loans of smal and medium enterprises at Vietnam Maritime Commercial Joint Stock Bank (MSB) in Ho Chi Minh City