| INCOME_BJ、LOAN、INT和BJ | INCOME_SH、LOAN、INT和SH | ||||
| Lag | LR | AIC | Lag | LR | AIC |
| 0 | NA | 29.82575 | 0 | NA | 29.72755 |
| 1 | 751.5359 | 17.79246 | 1 | 813.1738 | 16.66696 |
| 2 | 80.95299 | 16.83918 | 2 | 56.13657 | 16.15683 |
| 3 | 33.47831* | 16.68767* | 3 | 38.97381* | 15.89964* |
| 4 | 18.04901 | 16.80396 | 4 | 17.73817 | 16.0224 |
| 5 | 17.28017 | 16.90353 | 5 | 21.38119 | 16.02877 |
| 6 | 21.62742 | 16.85516 | 6 | 7.160692 | 16.34206 |
| INCOME_GZ、LOAN、INT和GZ | |||||
| Lag | LR | AIC | Lag | LR | AIC |
| 0 | NA | 28.71273 | 4 | 20.66686 | 15.98532 |
| 1 | 746.7012 | 16.76002 | 5 | 20.2339 | 16.01776 |
| 2 | 55.61831 | 16.25914 | 6 | 18.90746 | 16.03738 |
| 3 | 43.04990* | 15.92357* | |||