bài nộp kinh tế lượng full

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ti tnh hnh chitiu ca sinh vinhin nay

N h m B n h T r n g T r n

N g u y n T h T h y P h n g

N g u y n T h M P h n g

V y N h t Q u y nN g T h T Q u n h

T r n A n h T i

N g u y n U y n T h a o

P h a n T h T h a n h T h o

P h m T h T h n g

Mn : Kinh TLng

GV: TH.S Nguyn Trung ng


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Trang 1

Mc lc

CHNG 1 L DO CHN TI ............................................................................................ 31.1 Mc ch v ngha thc tin ..................................................................................................3

1.2 Phm vi v phng php kho st ...........................................................................................3

CHNG 2 C SL LUN ................................................................................................. 5

2.1 L thuyt v thc tin ..............................................................................................................5

2.1 Xy dng m hnh ...................................................................................................................5

2.2 D bo du .............................................................................................................................6

CHNG 3 THU THP SLIU .............................................................................................. 73.1 M hnh ...............................................................................................................................7

3.2 Bin ph thuc, bin c lp v n v tnh ..............................................................................8

3.2 Phm vi thu thp sliu .......................................................................................................8

3.4 B sliu .................................................................................................................................8

CHNG 4 C LNG V KIM NH M HNH ............................................................. 15

4.1 c lng ......................................................................................................................... 15

4.1.1 c lng m hnh hi quy tuyn tnh mu ........................................................................................... 15

4.1.2 Kim nh du .......................................................................................................................................... 164.1.3 ngha h sxc nh m hnh ............................................................................................................... 16

4.2 Kim nh m hnh ................................................................................................................ 17

4.2.1 Kim nh m hnh a ra.................................................................................................................. 17

4.2.2 Kim nh m hnh mi: .......................................................................................................................... 19

4.2.3 La chn m hnh ph hp: .................................................................................................................... 22

4.2.4 Tng thu nhp v chi tiu pht sinh c nh hng nh nhau ti tng chi tiu ca sinh vin

khng? 23

4.2.5 M hnh c hin tng a cng tuyn xy ra khng? ..................................................................... 26

4.2.6 M hnh trn c ttng quan khng? .......................................................................................... 28

4.3 Xc nh khong tin cy ca cc h shi quy tng th (vi tin cy 95%) ............................ 29

4.3.1 Xc nh khong tin cy ca 2 ....................................................................................................... 29

4.3.2 Xc ng khong tin cy ca 3........................................................................................................ 294.3.3 Xc nh khong tin cy ca 4 ....................................................................................................... 29

4.3.4 Xc nh khong tin cy ca 5 ....................................................................................................... 29

CHNG 5 KT LUN ........................................................................................................ 30


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Trang 2

5.1 nh gi m hnh ............................................................................................................... 30

5.2 ngha31

5.3 M rng m hnh ............................................................................................................... 31


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Trang 3

CHNG 1

L DO CHN TI

1.1 Mc ch v ngha thc tin

Khi bc chn vo ging ng i hc th cng chnh l lc bn phi t ch v

cuc sng ca mnh. nh du strng thnh ca bn, mi su c gii

quyt da vo quyt nh ca bn. c bit l i vi cc bn sinh vin phi sng

xa gia nh th vic c lp trong mi hnh ng v suy ngh l iu d thy nht.

Cuc sng tht khng d dng khi mi vn t vic gii quyt nhu cu n, ung,nh ca, in, nc cho ti nhng nhu cu c nhn, hc tp, nhu cu x hi, giao

lu, nhu cu xa x,tt cu phi gii quyt trong khi thu nhp hng thng t b

m l mt ngun thu nhp v cng khim tn nu khng ni l t i! Nm bt c

nhng nhu cu cng chnh l lc sinh vin chng ta thc hin chi tiu ca mnh.

Ty vo mi ngi m c nhng nh hng n tiu dng khc nhau, chnh v th

m mc chi tiu cng khc nhau. Vi mong mun c hiu bit nhiu hn vnhng nhu cu thc tin v tc ng ca chng ti i sng sinh vin nh th no,

nhm la chn ti nghin cu v mc chi tiu ca cc bn sinh vin

trong mt thng ng thi qua mang li cho cc bn sinh vin mt ci nhn

tng quan v chi tiu ca mnh c c nhng k hoch chi tiu ng n v tit

kim hn.

1.2 Phm vi v phng php kho st

Phm vi: nghin cu sinh vin khoa marketing ca trng i hc ti chnhmarketing


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Trang 4

Phng php:ti c thc hin thng qua phiu kho st trc tip chotng sinh vin do nhm thc hin.

Tng s mu kho st: 150 S mu hp l: 145


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Trang 5

CHNG 2

C SL LUN

2.1 L thuyt v thc tin

Xt v mt l thuyt th c nhiu yu tnh hng n mc chi tiu ca sinh

vin nh: thu nhp mi thng tgia nh, nhu cu thit yu ca cuc sng (n

ung, tin nh, tin in), nhu cu hc tp (sch, v, qu lp, on, hi), nhu

cu x hi (tin xng, tin xe, vui chi gii tr,),hoc c nhng nhu cu pht

sinh trong thng nacn nhiu yu t khc na nhng nhm ch tp trung nghin

cu vnh hng ca mt s yu tnh: tng thu nhp, tin tit kim ca sinh

vin, s ln t tp cng bn b.

2.1 Xy dng m hnh

Da theo nhng g m nhm nhn nh, nhm a ra m hnh hi quy tng

thnh sau:

Y= + + + +

Ch thch:

X2: tng thu nhp (ngn ng/thng) X3: tin tit kim ca sinh vin (ngn ng/thng) X4: s ln t tp cng bn b (t nht l 1 ln, nhiu nht l 31 ln) X5: chi tiu pht sinh ( ngn ng/thng)


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Trang 6

2.2 Dbo du

BIN TN

BIN

DBO

DU

K VNG

Tng thu nhp X2 + Thu nhp cng cao sinh vincng chi tiu nhiu hn

Tin tit kim ca

sinh vin

X3 - Tin tit kim cng nhiu th s

gim bt tin chi tiu trong thng

S ln t tp cng

bn b

X4 + S ln t tp cng nhiu th mc

chi tiu cng nhiu

Chi tiu pht sinh X5 + C nhng vn khng lngtrc cn phi chi tiu. Xy ra

cng nhiu th mc chi tiu

cng ln.


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Trang 7

CHNG 3

THU THP S LIU

3.1M hnhVy nn nhm s thc hin kim nh vi m hnh hi quy mu:

Y= + + + +

Ch thch:

X2: tng thu nhp (ngn ng/thng) X3: tin tit kim ca sinh vin (ngn ng/thng) X4: s ln t tp cng bn b (t nht l 1 ln, nhiu nht l 31 ln) X5: chi tiu pht sinh ( ngn ng/thng)

Dbo duBIN TN

BIN

DBO

DU

K VNG

Tng thu nhp X2 + Thu nhp cng cao sinh vin

cng chi tiu nhiu hn

Tin tit kim ca

sinh vin

X3 - Tin tit kim cng nhiu th s

gim bt tin chi tiu trong thng

S ln t tp cng

bn b

X4 + S ln t tp cng nhiu th mc

chi tiu cng nhiu

Chi tiu pht sinh X5 + C nhng vn khng lngtrc cn phi chi tiu. Xy ra

cng nhiu th mc chi tiu

cng ln.


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Trang 8

`

3.2 Bin ph thuc, bin c lp v n v tnh

Bin ph thuc l tng chi tiu m sinh vin thng dng trong mt thng (Y), n v tnhl ngn ng/thng. Bin c lp l bin bao gm: tng thu nhp, tin tit kim ca sinh vin, s

ln t tp cng bn b, chi tiu pht sinh trong thng.

3.2Phm vi thu thp s liuti c thc hin thng qua vic pht phiu kho st, thc hin trn tng i tng

ca sinh vin khoa marketing, trng i hc ti chnh marketing

3.4 B s liu

BNG S LIU QUAN ST

STT X2 X3 X4 X5 Y

1 2500 450 20 250 20002

1000 0 10 200 6003 3500 100 25 400 30004 2000 0 26 500 15005 1500 0 13 300 15006 2000 0 11 0 20007

2700 200 10 400 20008 2000 100 9 400 15009 2500 200 8 200 1000

10 1500 0 7 300 120011 2000 0 5 0 200012

2700 100 13 400 2000


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Trang 9

13 2000 0 11 0 200014 2500 100 15 200 150015 2000 0 13 1000 1000

16 4000 500 30 500 250017 2500 200 13 300 200018 1200 50 12 200 95019 2500 0 16 300 180020 1900 0 12 350 140021 2000 0 10 300 1700

22 3200 200 0 300 250023 3000 0 16 500 200024 1000 0 11 100 90025 1700 0 12 400 120026 2000 0 13 200 180027 2800 0 14 300 250028

2000 0 18 100 190029 3000 0 19 200 280030 2000 0 26 0 100031 1100 500 0 600 20032 3500 1500 0 1000 100033 2000 0 12 500 150034

2500 500 6 500 150035 1700 0 5 200 150036 2500 0 7 500 200037 3000 500 9 500 200038 2000 0 3 500 1500


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Trang10

39 3300 300 1 300 270040 2000 200 20 100 170041 3000 0 23 1000 2000

42 2000 0 16 300 170043 1200 0 19 200 100044 2700 400 9 300 200045 3000 500 12 500 200046 2500 500 13 2000 180047 2000 0 10 200 1800

48 2000 0 9 200 180049 2000 0 6 500 150050 3000 0 7 1000 200051 5000 1000 8 1000 300052 2000 200 2 200 160053 2500 0 13 500 200054

2500 400 15 100 20055 3000 0 16 1000 200056 2500 0 10 500 200057 2500 450 21 250 200058 1500 0 24 900 100059 4000 0 26 1000 300060

2700 0 11 500 250061 1000 0 2 400 50062 2000 0 2 1000 100063 1500 100 6 100 40064 3300 800 7 500 2500


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Trang11

65 4000 0 8 200 380066 5500 400 3 200 250067 1300 100 6 700 0

68 300 100 12 0 069 3000 0 6 500 250070 2000 0 15 500 150071 1500 0 9 200 130072 3300 100 8 1000 200073 2500 0 15 500 2000

74 2500 0 9 500 200075 3000 0 7 1000 200076 5800 1000 12 1000 300077 5100 0 10 700 140078 2000 0 9 0 200079 3500 0 5 500 300080

2000 0 9 500 150081 2400 0 3 200 50082 2000 200 6 300 170083 2000 0 11 500 150084 1000 0 15 500 085 3000 500 12 400 90086

3000 500 16 1000 150087 2000 0 24 500 150088 2800 300 28 400 250089 2000 0 13 2000 090 4000 1000 9 500 1500


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Trang12

91 1500 0 5 1000 100092 2000 200 3 0 200093 4000 500 16 1000 2000

94 3000 0 26 0 300095 2700 0 27 900 180096 2500 300 25 1200 100097 3250 500 30 500 225098 2000 0 12 500 150099 1500 0 3 500 1000

100 1500 0 0 300 1200101 2000 800 0 100 1100102 2000 500 16 200 1300103 2000 200 13 300 1500104 4000 0 12 1000 3000105 1900 300 9 100 1500106

2800 300 8 1000 1500107 2500 0 6 300 2200108 4500 500 12 1000 3000109 2000 300 10 200 1500110 2000 0 13 500 1500111 3000 0 16 500 2500112

2000 100 10 200 1700113 1800 0 11 300 1500114 2800 0 19 300 2500115 3200 700 18 500 2000116 3000 0 13 1500 1500


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Trang13

117 500 0 0 500 0118 1800 200 0 500 1000119 1700 0 10 200 900

120 4500 500 19 2000 1500121 300 0 2 300 0122 2000 300 3 400 1300123 2000 300 4 400 1300124 3000 1000 20 200 1500125 3700 2200 9 300 1200

126 3000 0 8 1000 2000127 1500 0 11 500 1000128 2500 0 10 200 2000129 1500 200 6 500 0130 1500 0 3 500 1200131 1000 400 4 0 600132

3500 1000 11 600 900133 4000 2400 16 100 600134 2000 0 8 500 1500135 1000 0 7 300 0136 2500 0 6 2500 0137 2000 0 4 1000 1000138

3000 0 21 1650 1350139 1500 0 11 500 1000140 2000 0 3 500 1500141 1000 100 6 150 900142 3500 0 25 300 3000


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Trang14

143 200 30 2 100 150144 2700 200 1 1500 1000145 1500 200 0 500 800

Ngun: phiu kho st ti trng i hc Ti chnh- Marketing


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Trang15

CHNG 4

C LNG V KIM NH M HNH

4.1c lng4.1.1 c lng m hnh hi quy tuyn tnh mu

= + + + +

Tin hnh chy m hnh hi quy trn vi b s liu thu thp c ta c kt qu

hi quy nh sau:

= + - + -


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Trang16

4.1.2 Kim nh du

So snh vi gi thuyt, ta thy du ca cc h si km vicc bin tngi ging vi nhng g ta k vng.

4.1.3 ngha h sxc nh m hnh

= : khi cc bin cn li khng thay i, thtng thu nhptng (hoc gim) mt n v thtng chi tiutng (hoc gim)

ln. = - : khi cc bin cn li khng thay i, thtin tit kim

ca sinh vintng (hoc gim) mt n v thtng chi tiu gim (hoc

tng) ln. = : khi cc bin cn li khng thay i, thsln t tp

cng bn btng (hoc gim) mt n v thtng chi tiutng (hoc

gim) ln.

TUY NHIN, ta thy theo kt qu hi quy cho thy du ca h s ca X5l m, cha ng

lm vi nhng g nhm kz vng, nn nhm s tip tc kim nh vm hnh c nhn

nh chnh xc nht.

= -: khi cc bin cn li khng thay i, th chi tiu phtsinhtng (hoc gim) mt n v thtng chi tiu gim (hoc tng)

ln.


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Trang17

4.2 Kim nh m hnh

4.2.1 Kim nh m hnh a ra.

Ta c m hnh hi quy nm bin nh trnh by trn: = + + (Kim nh cc gi thuyt vi mc tin cy 95%)

Bi ton 1:Kim nh snh hng ca tng thu nhp vo tng chi tiu.?

Ta c bi ton kim nh:

{ Ta dng thng k T nu H0ng ta c :

T =

= 16.640528

Vi tin cy l 95% , mc ngha =5% v n= 145 ta cC =1.96So snh T> C nn ta bc b H0

Kt lun: tng thu nhp c nh hng ti mc chi tiu.

Bi ton 2:Kim nh s nh hng ca tit kim i vi tng chi tiu.

Ta c bi ton kim nh: { Ta dng thng k T nu Hong ta cT =

= -7.77544852

Vi tin cy l 95% , mc { ngha =5% v n= 145 ta c


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Trang18

=1.96So snh T> C nn ta bc b H0.

Kt lun: tin tit kim c nh hnng n mc chi tiu ca sinh vin.Tit kim cng

tng th chi tiu cng gim v ngc li tit kim cng gim th lm tng chi tiu cng

tng.

Bi ton 3:Gi thuyt: S ln t tp cng bn b cng nhiu th sinh vin cng chi

tiu nhiu.

Bi ton kim nh:

{ Ta dng thng k T nu Hong ta cT =

= 1.7187363

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c =1.96So snh T< C nn ta ni: cha iu kin bc b H0Kt lun: nhnng ln t tp bn b khng nh hng n chi tiu ca sinh

vin

Bi ton 4:Chi tiu pht sinh thay i s nh hng n chi tiu ca sinh vin.

Bi ton kim nh:


= -6.837936


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Trang19

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c =1.96So snh T> C nn ta bc b H0 .

kt lun l: chi tiu pht sinh thay i snh hng n tng chi tiu casinh vin

Bi ton 5:Kim nh m hnh trn c ph hp hay khng?

Ta c bi ton kim nh:

{

Ta dng thng k F , vi k=5 v n=145 . NuHong ta c F=

= 74.643283

Vi mc ngha 5% , ta c C = =2.37Ta thy F> C bc b gi thuyt H0

kt lun: m hnh trn ph hp.

4.2.2 Kim nh m hnh mi:

Tuy m hnh trn ph hp, nhng trong qu trnh kim nh trn nhm xt thy bin s

ln t tp cng bn b khng c nh hng ti tng chi tiu, vy nn, nhom quyt nh tin

thm mt m hnh mi kim nh, xem xt m hnh no l ph hp nht.

M hnh 2:

Tin hnh chy m hnh trn vi s liu thu thp c ta c kt qu hi quy nh sau:


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Trang20

T kt qu hi quy ta c m hnh hi quy mu mi:

(Kim nh cc gi thuyt vi tin cy 95%)

Bi ton 1: kim nh s ph thuc ca tng chi tiu vo tng thu nhpta c bi ton kim nh:

{ Ta dng thng k T nu H0ng ta c :

T == 17.0779Vi tin cy l 95% , mc ngha =5% v n= 145 ta cC =1.96So snh T> C nn ta bc b H0


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Trang21

Kt lun: tng thu nhp c nh hng ti mc chi tiu.

Bi ton 2: kim nh gi thuyt tit kim thay i th tng chi tiu s thayi

ta c bi ton kim nh:


= -8.0390

Vi tin cy l 95% , mc { ngha =5% v n= 145 ta c =1.96So snh T> C nn ta bc b H0.

Kt lun: tin tit kim c nh hng n mc chi tiu ca sinh vin. Tit kim cng

tng th chi tiu cng gim v ngc li tit kim cng gim th lm tng chi tiu cng

tng.

Bi ton 3: kim nh gi thuyt chi tiu pht sinh c nh hng n tngchi tiu.

Bi ton kim nh:

{ Ta dng thng k T nu Hong ta cT

=

= - 6.8771

Vi tin cy l 95% , mc ngha =5% v n= 145 ta c =1.96So snh T> C nn ta bc b H0 .


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Trang22

kt lun l: chi tiu pht sinh thay i snh hng n tng chi tiu ca

sinh vin

Bi ton 4: kim nh s ph hp ca m hnhTa c bi ton kim nh:

{ Ta dng thng k F

, vi k=4 v n=145 Nu

Hong ta c F=

= 97.1930

Vi mc ngha 5% , ta c C = =2.37Ta thy F> C bc b gi thuyt H0

kt lun : m hnh trn ph hp.

4.2.3 La chn m hnh ph hp:

T nhng kim nh trn ta c th thy chai m hnh u ph hp tuy nhin:

M hnh 1: tc l m hnh 1 c th giithch c 68% b s liu

M hnh 2: = 0.674048 tc l m hnh 2 c th giithch c b s liu

ng thi cng vi nhiu kim nh khc, nhn thy bin s ln t tp bn b vn c nh

hng n tng chi tiu ca sinh vin, do nhm quyt nh vn gi nguyn m hnh 1. Tcl m hnh :

= + +


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Trang23

4.2.4 Tng thu nhp v chi tiu pht sinh c nh hng nh nhau ti tng chi tiuca sinh vin khng?

Ta c ma trn hip phng sai ca cc h stng qua trong m hnh 5

nh sau:

Ta tin hnh kim nh gi thuyt:

{

Nu H0ng ta c thng k:

M Se( ( ) =() () =

Vi mc ngha 05.0 v N = 145, ta c:


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Trang24

960.1140

05.0

5145

ttc

V cT nn ta bc b

kt lun: tng thu nhp v chi tiu pht sinh nh hng khc nhau ti mc chi tiu ca

sinh vin

3.1.1.Kim nh phng sai thay i.ta c bi ton kim nh:

{

Hm hi quy ca Y theo X2, X3, X4, X5.

= + + S dng kim nh White, vi s h tr ca Eview ta c kt qu sau:

0H


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Trang25

Theo kt qu t bng trn ta thy nR2 = 6258680

c mc xc sut p_value = 0.0000 < 0.05 . nn ta bc b gi thuyt H0: phng saikhng i.

vy: m hnh hi quy ca Y theo X2, X3, X4, X5 c xy ra hin tng phng sai thay i.

Cch khc phc: Tin hnh chia hai v ca hm hi quytng th cho Xi bt k hnh thnh mt m hnh mi c phng sai

khng i.


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4.2.5 M hnh c hin tng a cng tuyn xy ra khng?(vi mc ngha 5%)

Vi m hnh chn ta c kt qu hi quy nh sau:

ma trn tng quan gia cc h s hi quy.


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Trang27

- Xt cc m hnh hi quy ca Y theo tng bin:+ hi quy Y theo X2, ta c kt qu

= 299.5006 + 0.525995X2 ; R2 = 0.446980+ hi quy Y theo X3, ta c kt qu

= 1566.871 0.024446X3 ; R2 = 0.000138+ hi quy Y theo X4, ta c kt qu

= -205.1314 + 0.167286X4 ; R2 = 0.196165+ hi quy ca Y theo X5, ta c kt qu

= 1606.494 0.087820X5

- Ngoi ra ta c cc gi tr VIF: ( vi r2 l h sxc nh ca m hnh hi quy ph gia cc bin) tac thquan st ma trn tng quan gia cc h s hi quy trn.

Xt gia X2 v X3:

< 10


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Trang28

Kt lun: khng c a cng tuyn gia X2 v X3

Xt gia X2 v X4:


Xt gia X2 v X5:


Xt gia X3 v X4:


Xt gia X3 v X5:


Xt gia X4 v X5:


Kt lun: khng c hin tng a cng tuyn xy ra gia cc bin

4.2.6 M hnh trn c ttng quan khng?Vi kt qu hi quy ca Y theo X ta c gi tr: d =1.876276

Tc l: 1 < d < 3 nn ta kt lun: m hnh khng c hin tng ttng

quan.


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4.3 Xc nh khong tin cy ca cc h s hi quy tng th (vi tin cy

95%)

Ta dng thng k sau:

Vi mc tin cy 95%, .ta c C= = = 1.96Theo m hnh 5 ta c:

Se () = 0.046734Se () = 0.113150Se () = 5.432170Se () = 0.091526Khong c lng cho

j [ ( ) ]4.3.1 Xc nh khong tin cy ca 2

[ ]4.3.2 Xc ng khong tin cy ca 3

3 [ ]4.3.3 Xc nh khong tin cy ca 4

4 [ ]

4.3.4 Xc nh khong tin cy ca 55 [ ]


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Trang30

CHNG 5

KT LUN

5.1nh gi m hnhTheo thc nghim kho st v nghin cu cho thy rng m hnh a ra ngay t

u l tng i chnh xc.

Y = 163.3541 + 0.743385X20.879792X3 + 9.336468X40.625849X5

Tuy nhin trong mt vi trng hp th bin s ln t tp cng bn b khng

c nh hng ti tng chi tiu trong thng ca sinh vin. a scc trng hp

kim nh cho thy mc chi tiu ca sinh vin ph thuc vo: tng thu nhp, tin

tit kim, chi tiu pht sinh. V mt phn nh t vic t tp cng bn b.

Hn ch:

Bi lm ca nhm thc hin bn cnh nhng vic t c th cng km

theo mt s hn chnh:+ u tin l v bi kho st chc thc hin trong mi trng ca sinh

vin khoa marketing, trng i hc Ti chnh-Marketing nn t hn vn

cha thuyt phc lm khi cho nh gi ton b chi tiu ca sinh vin

+ nhm ch nghin cu tc ng ca mt vi bin tiu biu nn c th tnh

khch quan cng nh chnh xc ca bi lm cha cao.\

+ l ln u tin thc hin nn cha c kinh nghim trong vic nhy bn

nm bt thng tin v ng dng chng hiu qu
http://d/TRUNG%20DONG/Cac%20Mon/Kinh%20te%20luong/Bai%20tap%20nhom/K6_MA1/nhom%201/Bai%20tap%20KTL_nhom%201.doc%23_Toc263282454http://d/TRUNG%20DONG/Cac%20Mon/Kinh%20te%20luong/Bai%20tap%20nhom/K6_MA1/nhom%201/Bai%20tap%20KTL_nhom%201.doc%23_Toc263282454http://d/TRUNG%20DONG/Cac%20Mon/Kinh%20te%20luong/Bai%20tap%20nhom/K6_MA1/nhom%201/Bai%20tap%20KTL_nhom%201.doc%23_Toc263282454http://d/TRUNG%20DONG/Cac%20Mon/Kinh%20te%20luong/Bai%20tap%20nhom/K6_MA1/nhom%201/Bai%20tap%20KTL_nhom%201.doc%23_Toc263282454http://d/TRUNG%20DONG/Cac%20Mon/Kinh%20te%20luong/Bai%20tap%20nhom/K6_MA1/nhom%201/Bai%20tap%20KTL_nhom%201.doc%23_Toc263282454http://d/TRUNG%20DONG/Cac%20Mon/Kinh%20te%20luong/Bai%20tap%20nhom/K6_MA1/nhom%201/Bai%20tap%20KTL_nhom%201.doc%23_Toc263282454


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5.2 nghaSau qu trnh kho st v nghin cu trn cho thy rng tng chi tiu trong

thng ca sinh vin chu nh hng ca nhiu yu t. thu nhp tgia nh hay t

vic lm thm cng nhiu th chi tiu li cng nhiu, tin tit kim cng nh chi

tiu pht sinh cng nhiu th tng chi tiu li cng gim chnh v thm cn

bng cho cuc sng cng nh chi tiu ph hp th mi ngi cn xy dng mt k

hoch chi tiu ph hp cho ring mnh ddng m bo ti sn cho ti cui

thng nha.

5.3Mrng m hnhNgoi nhng bin m nhm kho st th tt nhin cn nhiu yu tkhc cng nh hng

n chi tiu ca sinh vin nh: snh hng ca gii tnh, tui, sinh vin nm my. v th

chnh xc cng nh hon thin hn c th m rng m hnh vi nhng tc ng k trn.

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