| 
 | 模型1 ROA | 模型2 ROA | 模型3 ROA | 
| SIZE | 0.0018* | 0.0083*** | −0.0065*** | 
| 
 | (1.7332) | (7.8174) | (−5.8856) | 
| BS | 0.0182*** | 0.0181*** | 0.0201*** | 
| 
 | (3.3355) | (3.4640) | (3.8396) | 
| GROW | 0.0734*** | 0.0722*** | 0.0749*** | 
| 
 | (19.3398) | (19.8512) | (20.5652) | 
| AGE | −0.0008*** | −0.0006*** | −0.0008*** | 
| 
 | (−4.4215) | (−3.7168) | (−4.8740) | 
| CR | 0.0004*** | 0.0004*** | 0.0005*** | 
| 
 | (5.3949) | (4.9341) | (7.0190) | 
| SLK | 
 | 0.0119*** | 
 | 
| 
 | 
 | (18.4418) | 
 | 
| SALARY | 
 | 
 | 0.0274*** | 
| 
 | 
 | 
 | (18.1585) | 
| N | 3732 | 3732 | 3732 | 
| r2_a | 0.1194 | 0.1929 | 0.1908 |