(1)

(2)

(3)

(4)

risk

risk

risk

risk

index

0.0218^***

(0.00393)

coverage

0.0202^***

(0.00418)

usage

0.0174^***

(0.00312)

digitization

0.00844^***

(0.00234)

size

−0.0269^***

−0.0247^***

−0.0194^***

−0.0119^*

(0.00730)

(0.00750)

(0.00644)

(0.00640)

roe

0.00386^***

0.00389^***

0.00361^***

0.00380^***

(0.000387)

(0.000390)

(0.000385)

(0.000391)

tat

2.462^***

2.438^***

2.594^***

2.281^***

(0.316)

(0.317)

(0.318)

(0.318)

cir

−0.00140^***

−0.00139^***

−0.00141^***

−0.00139^***

(0.000266)

(0.000266)

(0.000266)

(0.000267)

lev

0.103^***

0.103^***

0.103^***

0.104^***

(0.00103)

(0.00103)

(0.00102)

(0.00101)

GDPg

0.000301

−0.0000415

0.000445

−0.00171

(0.00115)

(0.00115)

(0.00116)

(0.00107)

cpi

−0.190

−0.320^**

−0.300^**

−0.0961

(0.134)

(0.130)

(0.130)

(0.155)

findep

−0.00357

−0.00406

−0.00192

−0.00323

(0.00444)

(0.00446)

(0.00443)

(0.00447)

_cons

3.744^***

4.331^***

4.165^***

3.169^***

(0.636)

(0.625)

(0.625)

(0.721)

固定效应

控制

控制

控制

控制

N

1600

1600

1600

1600

R²

0.917

0.917

0.917

0.916

adj. R²

0.908

0.907

0.908

0.906