样本 |
|
|
|
|
|
| 全 | 部 |
|
|
|
|
|
|
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 |