变量

回归系数

npl(−1)

0.808^***

(0.0794)

0.630^***

(0.0929)

0.628^***

(0.0979)

npl(−2)

−0.0389

(0.0844)

−0.00566

(0.0642)

0.0206

(0.0786)

sec2

0.116^***

(0.0339)

0.136^***

(0.0466)

0.122^**

(0.0501)

ear

25.00^***

(7.346)

25.06^***

(7.573)

roa

−0.715^***

(0.249)

−0.878^***

(0.327)

loan_a

−0.767

(1.766)

−0.974

(0.988)

cdr

−0.201^***

(0.0502)

−0.173^***

(0.0541)

m2

0.793

(1.274)