| 
 | B | S.E. | Wals | df | Sig. | Exp (B) | 
| Amount | 0.000 | 0.000 | 39.994 | 1 | 0.000 | 1.000 | 
| Period | −0.065 | 0.010 | 42.566 | 1 | 0.000 | 0.937 | 
| Interest | −4.502 | 1.630 | 7.633 | 1 | 0.006 | 0.011 | 
| credit2(1) | 2.129 | 0.236 | 81.384 | 1 | 0.000 | 8.407 | 
| credit3(1) | 2.001 | 0.181 | 122.475 | 1 | 0.000 | 7.393 | 
| lcredit | 0.080 | 0.002 | 1122.611 | 1 | 0.000 | 1.083 | 
| 常量 | −8.137 | 0.495 | 270.191 | 1 | 0.000 | 0.000 |