样本

全部

国有行

股份制

城商行

农商行

变量

roa

roe

roa

roe

roa

roe

roa

roe

roa

roe

nla

−0.029***

−0.360***

−0.018

−0.115

−0.040***

−0.409**

−0.024***

−0.313***

−0.044**

−0.588**

(−5.938)

(−5.467)

(−1.246)

(−0.419)

(−3.654)

(−2.061)

(−3.898)

(−3.245)

(−2.506)

(−2.450)

loans

−0.025***

−0.356***

−0.012

−0.129

−0.044***

−0.531*

−0.016*

−0.244*

−0.041

−0.683*

(−3.579)

(−3.807)

(−0.682)

(−0.391)

(−2.929)

(−1.925)

(−1.734)

(−1.694)

(−1.553)

(−1.911)

npl

−0.120***

−2.156***

−0.185***

−5.717***

−0.053

−1.237

−0.185***

−3.340***

0.011

−0.060

(−7.526)

(−9.915)

(−3.083)

(−4.860)

(−1.076)

(−1.360)

(−8.470)

(−9.739)

(0.620)

(−0.245)

hhinl

0.002*

0.033**

0.002

0.043

0.005***

0.068**

0.003**

0.015

0.006*

0.093**

(1.824)

(2.346)

(0.614)

(0.634)

(2.888)

(2.218)

(2.207)

(0.671)

(1.826)

(2.103)

growth

0.002**

0.013

−0.001

0.041

0.0005

−0.005

0.002**

0.004

0.004*

0.015

(2.309)

(1.362)

(−0.289)

(0.451)

(0.288)

(−0.162)

(1.974)

(0.261)

(1.698)

(0.422)

观测值

600

600

30

30

84

84

270

270

84

84

调整R2

0.727

0.781

0.886

0.853

0.691

0.501

0.745

0.686

0.539

0.299

F

38.17

44.05

12.53

20.44

12.21

5.914

37.42

32.92

6.674

4.414