| 变量 | t值(P值) |
| npl | −6.2007*** (0.0000) |
| sec1 | −10.3199*** (0.0000) |
| sec2 | −5.4413*** (0.0000) |
| ear | −25.3272*** (0.0000) |
| roa | −6.6023*** (0.0000) |
| loan_a | −4.2057*** (0.0000) |
| cdr | −17.4784*** (0.0000) |
| m2 | −11.2999*** (0.0000) |
| cpi | −53.7637*** (0.0000) |
| rate | −2.6080*** (0.0046) |