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 |