变量

创新活力

创新意识

(1)

(2)

(4)

(5)

LoanAmount

0.028^** (0.013)

0.010^* (0.012)

LoanTime

−0.00003^** (0.00001)

−0.00006^*** (0.00002)

Controls

Yes

Yes

Yes

Yes

N

644

655

642

653

pseudo R²

0.066

0.066

0.075

0.083