变量名称

模型(3)

模型(4)

系数

边际效应

系数

边际效应

lnage

1.1464**

0.2099**

1.1761**

0.2103**

(0.5280)

(0.0943)

(0.5375)

(0.0939)

edu

0.1063

0.0195

0.0868

0.0155

(0.2029)

(0.0371)

(0.1996)

(0.0357)

lndist

−0.0537

−0.0098

−0.1124

−0.0201

(0.3016)

(0.0552)

(0.3017)

(0.0538)

social

0.3131

0.0573

0.3129

0.0559

(0.2331)

(0.0417)

(0.2378)

(0.0415)

risk

0.2466**

0.0452**

0.2352*

0.0421**

(0.1212)

(0.0217)

(0.1214)

(0.0213)

lnarea

−0.1603

−0.0294

−0.1668

−0.0298

0.1132

(0.0212)

(0.1152)

(0.0210)

sale

0.5846***

0.1214**

0.5641**

0.1141**

(0.2224)

(0.0525)

(0.2305)

(0.0526)

dloan

0.3957

0.0584

0.4328

0.0609

(0.3696)

(0.0432)

(0.3566)

(0.0394)

recg

0.2234

0.0409

1.2070*

0.2158**

(0.1530)

(0.0285)

(0.6060)

(0.1890)

eprofit

0.5855***

0.1072***

0.7153***

0.1279***

(0.1378)

(0.0276)

(0.1536)

(0.0300)

efunds

0.4374***

0.0801***

0.4711***

0.0842***

(0.1407)

(0.0265)

(0.1625)

(0.0296)

recg* eprofit

−0.5850**

−0.1046**

(0.2864)

(0.0509)

recg* efunds

−0.0646

−0.0116

(0.1484)

(0.0265)

Constant

−4.5648*

−4.0676*

(2.5129)

(2.5440)

伪R²

0.1932

0.2099

样本量

266

266

266

266