VARIABLES

(1)

(2)

(3)

(4)

RISK

RISK

NPL

NII

DTI

0.270^***

0.254^***

−0.085^***

3.643^***

(6.2294)

(4.2443)

(−3.0239)

(7.3666)

RGDP

−0.018^*

−0.022^**

0.003

0.235^**

(−1.8840)

(−2.1962)

(0.5384)

(2.2783)

RCPI

−0.050

−0.030

0.062

0.814^*

(−1.0319)

(−0.6550)

(1.0313)

(1.7207)

BCI

0.029^***

0.020^**

−0.035^***

−0.239^***

(3.2534)

(1.9952)

(−8.5095)

(−2.8847)

ROA

0.346^*

1.299^***

−0.315^***

0.857

(1.6522)

(3.9671)

(−2.8723)

(0.4641)

CAR

0.027

−0.064^*

−0.009

−0.205

(1.1382)

(−1.8115)

(−0.4701)

(−0.7716)

LOD

−0.001

0.017^***

0.009^***

0.221^***

(−0.3779)

(3.4432)

(3.8756)

(6.4284)

CIR

−0.015^**

−0.025^**

0.004

−0.203^***

(−2.0830)

(−2.1659)

(0.5828)

(−3.3733)

常数项

0.057

0.013

3.512^***

12.354^*

(0.0797)

(0.0185)

(10.5524)

(1.8964)

个体固定效应

No

YES

NO

No

N

408

408

408

408

R2

0.153

0.354

0.177

0.440