	(1)	(2)	(3)	(4)
	risk	risk	risk	risk
index	0.0156^***
index	(0.00509)
coverage		0.0141^***
coverage		(0.00519)
usage			0.0162^***
usage			(0.00375)
digitization				0.00851^***
digitization				(0.00242)
hhi	−0.00165	−0.00180	−0.00119	−0.00182
hhi	(0.00145)	(0.00148)	(0.00141)	(0.00161)
hhi × index	0.00521^***
hhi × index	(0.00144)
hhi × coverage		0.00612^***
hhi × coverage		(0.00134)
hhi × usage			0.00345^***
hhi × usage			(0.000985)
hhi × digitization				0.00686^***
hhi × digitization				(0.00169)
控制变量	控制	控制	控制	控制
_cons	6.936^***	7.634^***	5.931^***	9.150^***
_cons	(1.360)	(1.164)	(1.087)	(1.484)
固定效应	控制	控制	控制	控制
N	1600	1600	1600	1600
R²	0.918	0.918	0.918	0.917
adj. R²	0.908	0.908	0.908	0.908