@book{11319,
	author = {Vũ Thị Hương and Nghiêm Xuân Hoà , người hướng dẫn},
	title = {Factors influencing individual customer’s decision to deposit savings at Nam A Commercial Joint Stock Bank, Quang Ninh Branch /},
	publisher = {TQT,},
	year = {2025},
	address = {Hà Nội :}
}