| (1) | (2) | (3) | (4) |
risk | risk | risk | risk | |
index | 0.0181*** |
|
|
|
(0.00413) |
|
|
| |
coverage |
| 0.0160*** |
|
|
| (0.00436) |
|
| |
usage |
|
| 0.0139*** |
|
|
| (0.00340) |
| |
digitization |
|
|
| 0.00788*** |
|
|
| (0.00230) | |
控制变量 | 控制 | 控制 | 控制 | 控制 |
_cons | 4.297*** | 4.837*** | 4.598*** | 3.870*** |
(0.671) | (0.651) | (0.658) | (0.740) | |
固定效应 | 控制 | 控制 | 控制 | 控制 |
N | 1578 | 1578 | 1578 | 1578 |
R2 | 0.920 | 0.919 | 0.920 | 0.919 |
adj. R2 | 0.910 | 0.910 | 0.910 | 0.909 |