变量

模型(1)

模型(2)

模型(3)

模型(4)

模型(5)

国有大行

股份制银行

城商行

FI

−0.515^***

−1.119^***

−0.0755

−1.253^***

−0.479^**

(0.104)

(0.171)

(0.689)

(0.283)

(0.174)

lnAS

−6.979^***

8.029

−4.785^**

−3.197^*

(1.313)

(10.38)

(1.694)

(1.563)

DLR

−0.00940

0.0972^*

−0.0307

0.0102

(0.0111)

(0.0413)

(0.0190)

(0.0165)

ROA

0.0865

1.129

−0.0417

0.420

(0.0760)

(1.727)

(0.0280)

(0.546)

CIR

−0.0129

0.0186

0.0113

−0.0506

(0.0415)

(0.0423)

(0.0233)

(0.0319)

CPI

0.335^**

0.294^*

0.0911

0.479^*

0.235

(0.134)

(0.146)

(0.161)

(0.234)

(0.237)

M2

−0.852^***

−2.026^***

−0.152

−2.264^***

−0.836^**

(0.192)

(0.323)

(1.193)

(0.547)

(0.314)

RGDP

−0.0995^***

−0.355^***

−0.0187

−0.414^***

−0.100^*

(0.0343)

(0.0701)

(0.257)

(0.114)

(0.0561)

Constant

20.56^***

119.1^***

−98.63

96.43^***

58.61^***

(1.599)

(18.27)

(146.0)

(27.11)

(20.24)

个体固定效应

Yes

Yes

Yes

Yes

Yes

时间固定效应

Yes

Yes

Yes

Yes

Yes

观测量

396

396

66

121

209

银行数

36

36

6

11

19

R²

0.347

0.452

0.934

0.752

0.280