样本

变量

roa

roe

nla

−0.011***

−0.008***

−0.025***

−0.023***

−0.022***

−0.023***

−0.117***

−0.063***

−0.339***

−0.285***

−0.285***

−0.288***

(−6.991)

(−5.096)

(−5.250)

(−4.798)

(−4.748)

(−4.851)

(−5.040)

(−2.951)

(−4.983)

(−4.438)

(−4.424)

(−4.440)

loanbank

0.008***

0.007***

0.0061***

0.005***

0.005***

0.005***

0.105***

0.099***

0.088***

0.060***

0.060***

0.062***

(12.12)

(10.95)

(9.529)

(7.018)

(6.726)

(6.558)

(12.07)

(11.18)

(9.671)

(6.563)

(6.434)

(5.968)

loans

−0.026***

−0.020***

−0.019***

−0.020***

−0.401***

−0.293***

−0.291***

−0.295***

(−3.848)

(−3.077)

(−2.862)

(−2.969)

(−4.267)

(−3.288)

(−3.219)

(−3.244)

npl

−0.092***

−0.090***

−0.090***

−1.782***

−1.777***

−1.780***

(−5.816)

(−5.593)

(−5.623)

(−8.224)

(−8.106)

(−8.107)

growth

0.0008

0.0007

0.0014

0.0008

(1.109)

(0.928)

(0.147)

(0.0830)

hhinl

−0.00126

−0.00639

(−1.160)

(−0.429)

观测值

600

600

600

600

600

600

600

600

600

600

600

600

600

600

调整R2

0.659

0.710

0.724

0.732

0.748

0.748

0.749

0.702

0.757

0.761

0.769

0.796

0.796

0.796

F

48.87

147.0

90.15

66.70

61.79

49.70

41.67

25.40

145.7

78.32

60.08

68.01

54.31

45.21