变量 | ROA模型 | NPL模型 | INC模型 |
GRD | −0.089*** | −0.029* | 0.349** |
(−4.016) | (−2.772) | (4.849) | |
LNSIZE |
| 0.019 | −1.067* |
| (0.737) | (−1.678) | |
ZCFZ | 0.014 |
|
|
(1.132) |
|
| |
SIR | 0.009** |
|
|
(1.958) |
|
| |
CAR |
| −0.031* | 0.679 |
| (−1.313) | (1.205) | |
LDR | −0.006*** |
|
|
(−4.694) |
|
| |
ZGDP |
| −0.013*** | −0.403*** |
| (−4.633) | (−6.648) | |
R2 | 0.648 | 0.732 | 0.597 |