变量名称

模型(1)

模型(2)

系数

边际效应

系数

边际效应

lnage

2.1496**

0.2036**

2.1836**

0.1999**

(1.0347)

(0.0911)

(1.0591)

(0.0908)

edu

0.2068

0.0196

0.1668

0.0153

(0.3880)

(0.0365)

(0.3704)

(0.0338)

lndist

−0.1180

−0.0111

−0.2042

−0.0187

(0.5609)

(0.0530)

(0.5631)

(0.0514)

social

0.6110

0.0579

0.6107

0.0559

(0.4981)

(0.0450)

(0.5087)

(0.0445)

risk

0.4630*

0.0438**

0.4392*

0.0402*

(0.2511)

(0.0222)

(0.2487)

(0.0215)

lnarea

−0.2563

−0.0243

−0.2723

−0.0249

0.2104

(0.0205)

(0.2176)

(0.0205)

sale

0.9824**

0.1075*

0.9663**

0.1022*

(0.4180)

(0.0542)

(0.4437)

(0.0550)

dloan

0.6795

0.0515

0.6946

0.0506

(0.6708)

(0.0406)

(0.6349)

(0.0373)

recg

0.3551

0.0336

2.1218*

0.1942*

(0.2884)

(0.0282)

(1.1901)

(0.1110)

eprofit

0.9949***

0.0942***

1.2313***

0.1127***

(0.2491)

(0.0256)

(0.2789)

(0.0276)

efunds

0.7468***

0.0707***

0.8149***

0.0746***

(0.2579)

(0.0256)

(0.2964)

(0.0281)

recg* eprofit

−1.0578*

−0.0968*

(0.5487)

(0.0502)

recg* efunds

−0.1103

−0.0101

(0.2707)

(0.0248)

Constant

−8.5412*

−8.6042*

(4.7235)

(4.8341)

伪R²

0.1853

0.2023

样本量

266

266

266

266