样本

小于均值

大于均值

国有行

股份制

城商行

农商行

变量

roa

roe

roa

roe

roa

roe

roa

roe

roa

roe

roa

roe

nla

−0.017^**

−0.293^***

−0.032^***

−0.297^***

−0.015

−0.054

−0.045^***

−0.501^**

−0.020^***

−0.242^**

−0.023

−0.282

(−2.589)

(−3.589)

(−4.454)

(−2.850)

(−1.084)

(−0.204)

(−4.187)

(−2.564)

(−3.174)

(−2.471)

(−1.664)

(−1.573)

loanbank

0.00572^***

0.072^***

0.005^***

0.056^***

0.020

0.518

0.003^**

0.057^**

0.003^***

0.053^***

0.012^***

0.175^***

(4.966)

(4.905)

(4.658)

(3.757)

(1.261)

(1.719)

(2.414)

(2.400)

(2.605)

(2.902)

(6.814)

(7.649)

loans

−0.0124

−0.348^***

−0.033^***

−0.300^**

−0.016

−0.247

−0.054^***

−0.712^**

−0.011

−0.153

−0.025

−0.456^*

(−1.390)

(−3.066)

(−3.188)

(−2.009)

(−0.944)

(−0.766)

(−3.579)

(−2.573)

(−1.154)

(−1.057)

(−1.240)

(−1.740)

npl

−0.106^***

−2.182^***

−0.055^**

−0.936^**

−0.143^**

−4.634^***

0.007

−0.134

−0.168^***

−3.034^***

0.028^*

0.176

(−5.135)

(−8.302)

(−2.071)

(−2.433)

(−2.112)

(−3.601)

(0.132)

(−0.135)

(−7.410)

(−8.582)

(1.958)

(0.972)

growth

0.000680

0.009

0.0004

−0.002

−0.004

−0.038

−0.0002

−0.017

0.002

−0.005

−0.0001

−0.050^*

(0.598)

(0.596)

(0.413)

(−0.121)

(−0.849)

(−0.388)

(−0.148)

(−0.604)

(1.462)

(−0.297)

(−0.052)

(−1.866)

hhinl

0.000811

0.015

−0.003^*

−0.006

−0.018

−0.481

0.002

0.016

0.001

−0.030

−0.002

−0.019

(0.488)

(0.704)

(−1.755)

(−0.285)

(−1.104)

(−1.544)

(0.970)

(0.419)

(0.323)

(−1.118)

(−0.652)

(−0.536)

观测值

324

324

276

276

30

30

84

84

270

270

84

84

调整R²

0.754

0.829

0.736

0.735

0.890

0.866

0.712

0.535

0.751

0.696

0.728

0.628

F

24.60

38.99

19.04

12.99

11.01

19.19

11.90

6.249

33.13

29.76

17.19

16.68