Các nhân tố tác động đến khả năng tiếp cận vốn tín dụng đối với doanh nghiệp vừa và nhỏ tại Thành phố Hồ Chí Minh
Ngày xuất bản:
28/10/2025
Ngày xuất bản Online:
25/10/2025
Chuyên mục:
Tài chính, Ngân hàng, Kế toán, Kiểm toán
Nội dung chính của bài viết
Tóm tắt
Bài báo nghiên cứu các nhân tố tác động đến khả năng tiếp cận vốn tín dụng của doanh nghiệp nhỏ và vừa (DNNVV) tại TPHCM. Nghiên cứu sử dụng phương pháp định lượng với 285 chủ DNNVV. Bảng câu hỏi được sử dụng để thu thập dữ liệu trực tuyến từ tháng 8/2024 đến tháng 10/2024. Dữ liệu được phân tích bằng hồi quy tuyến tính, sử dụng SPSS để kiểm tra mối quan hệ giữa khả năng tiếp cận vốn tín dụng và các yếu tố như quy mô doanh nghiệp, tuổi đời doanh nghiệp, tỷ lệ vốn chủ sở hữu, tỷ lệ nợ ngắn hạn, và tỷ lệ lợi nhuận trên doanh thu. Kết quả cho thấy, các yếu tố như quy mô doan0h nghiệp, tuổi đời doanh nghiệp, tỷ lệ vốn chủ sở hữu, tỷ lệ nợ ngắn hạn, và tỷ lệ lợi nhuận trên doanh thu có tác động đáng kể đến khả năng tiếp cận vốn tín dụng. Các tổ chức tín dụng cần xem xét các yếu tố này khi quyết định cho vay để đảm bảo rằng, DNNVV có khả năng trả nợ, đồng thời, khuyến khích các DNNVV cải thiện các chỉ số tài chính để nâng cao khả năng tiếp cận vốn. Các nhà hoạch định chính sách nên tạo môi trường thuận lợi cho DNNVV tiếp cận tín dụng, góp phần thúc đẩy tăng trưởng kinh tế. Nghiên cứu này làm sáng tỏ các yếu tố nội tại của doanh nghiệp ảnh hưởng đến khả năng tiếp cận tín dụng trong bối cảnh các chính sách tín dụng xanh đang được thúc đẩy, từ đó đưa ra các khuyến nghị chính sách và thực tiễn nhằm hỗ trợ DNNVV tiếp cận nguồn vốn hiệu quả hơn.
Abstract
This article examines the factors affecting credit access for small and medium-sized enterprises (SMEs) in Ho Chi Minh City. The study employs a quantitative method, surveying 285 SME owners. Online data was collected via a questionnaire from August 2024 to October 2024. The data was then analyzed using linear regression with SPSS to examine the relationship between credit access and factors such as business size, business age, equity ratio, short-term debt ratio, and profit margin. The results indicate that business size, business age, equity ratio, short-term debt ratio, and profit margin significantly influence credit access. Lenders should consider these factors in their lending decisions to ensure SMEs' repayment ability and encourage SMEs to improve their financial indicators, thereby enhancing their access to capital. Policymakers should foster a favorable environment for SMEs to access credit, contributing to economic growth. This study elucidates the internal factors of enterprises affecting credit access amidst the promotion of green credit policies, thereby providing policy and practical recommendations to support SMEs in accessing capital more effectively.
Từ khóa
Doanh nghiệp; Đặc điểm doanh nghiệp; Đặc điểm tài chính; Ngân hàng; Tín dụng
Chi tiết bài viết
Lĩnh vực kinh tế (JEL Codes)
G21 - Banks • Depository Institutions • Micro Finance Institutions • Mortgages - Financial Institutions and Services, L26 - Entrepreneurship - Firm Objectives, Organization, and Behavior, O16 - Financial Markets • Saving and Capital Investment • Corporate Finance and Governance - Economic Development
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Cowling, M. (2009). The role of loan guarantee schemes in alleviating credit rationing in the UK. Journal of Financial Stability, 6(1), 36–44. https://doi.org/10.1016/j.jfs.2009.05.007
Cristobal, E., Flavian, C., & Guinaliu, M. (2007). Perceived e‐service quality (PeSQ) measurement validation and effects on consumer satisfaction and web site loyalty. Managing service quality: An international journal, 17(3), 317-340. https://doi.org/10.1108/09604520710744326
Chepkwony, J. K. (2021). A research project submitted to the institute of peace and security studies in partial fulfillment of the requirements for the award of degree of master of security management and police studies. The International Journal of Humanities & Social Studies, 9(3), 209-236. https://doi.org/10.24940/theijhss/2021/v9/i3/hs2102-046
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Freel, M., Carter, S., Tagg, S., & Mason, C. (2010). The latent demand for bank debt: characterizing “discouraged borrowers.” Small Business Economics, 38(4), 399–418. https://doi.org/10.1007/s11187-010-9283-6
Gatti, R., & Love, I. (2008). Does access to credit improve productivity? Evidence from Bulgaria1. Economics of Transition, 16(3), 445–465. https://doi.org/10.1111/j.1468-0351.2008.00328.x
Gavkalova, N., Smereka, S., Kadyrus, I., Kyrylenko, S., & Kasatkina, M. (2024). Using innovation and energy efficiency technologies to drive business competitiveness. Grassroots Journal of Natural Resources, 7(3), s212–s229. https://doi.org/10.33002/nr2581.6853.0703ukr11
Giang, M. H., Trung, B. H., Yoshida, Y., Xuan, T. D., & Que, M. T. (2019). The causal effect of access to finance on productivity of small and medium enterprises in Vietnam. Sustainability, 11(19), 5451. https://doi.org/10.3390/su11195451
Girukwishaka, G. (2017). Constraints analysis of start-up business in Burundi. Constraints Analysis of Start-up Business in Burundi, 5, 105–117. https://ideas.repec.org/h/sau/ueedcc/05105-117.html
Ha, N. H. (2018). The factors affecting the access to banking credits of family businesses in Tra Vinh province, Vietnam. International Journal of Economics and Financial Issues, 8(5), 64–67. https://ideas.repec.org/a/eco/journ1/2018-05-10.html.
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Trích dẫn bài báo
Nguyễn, H. P., Trần , T. L. H., Đinh , T. H. N., & Dương , T. T. N. (2025). Các nhân tố tác động đến khả năng tiếp cận vốn tín dụng đối với doanh nghiệp vừa và nhỏ tại Thành phố Hồ Chí Minh. Tạp chí Nghiên cứu Tài chính - Marketing, 16(5), 46-59. https://doi.org/10.52932/jfmr.v16i5.640
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