NPL

系数差

NPL

系数差

农商行

城商行

农商行

城商行

AT

0.0372^*

0.0065

0.0307^*

(1.8901)

(0.5383)

AT1

0.1077^*

0.0476

0.0601^**

(1.8840)

(1.6209)

AT2

0.0819

0.0151

0.0668

(1.0739)

(0.6411)

AT3

0.0354^***

−0.0171^**

0.0525^***

(3.2034)

(−2.2633)

AT4

−0.1119^*

0.0636

−0.1755^**

(−1.7139)

(1.4282)

PREC

0.0812^*

0.0497^*

0.0315

0.1213

0.0127

0.1086

(1.7845)

(1.8338)

(1.1579)

(0.3722)

SS

0.0521

0.0212

0.0309

−0.0448

0.0754^**

−0.1202

(0.8674)

(1.0672)

(−0.4046)

(2.5078)

size

−0.8990^***

−0.1269

0.1606

−0.1396^*

(−5.9317)

(−1.5091)

(0.3513)

(−1.8034)

dep

0.0021

−0.0203^*

−0.0735^**

−0.0210^*

(0.1163)

(−1.7940)

(−2.6187)

(−1.8619)

car

−0.0342

−0.1546^***

−0.0631

−0.1551^***

(−0.7059)

(−6.0784)

(−0.6278)

(−6.1377)

EA

−0.0444

0.1714^***

0.2419

0.1699^***

(−0.5535)

(5.0922)

(1.1896)

(5.0522)

ROA

−1.4831^***

−0.8761^***

0.7816^*

−0.8773^***

(−6.2857)

(−6.4548)

(1.8106)

(−6.3709)

LNGDP

0.4469^***

−0.0713^**

0.2491

−0.0684^**

(4.3072)

(−2.1147)

(0.7346)

(−2.1301)

LNP

0.6059^**

0.3912^**

1.2690^**

0.3826^**

(2.4077)

(2.4342)

(2.2599)

(2.1010)

t

−0.0318

0.0142

0.0997

0.0119

(−0.6746)

(0.8585)

(1.1345)

(0.5874)

_cons

15.5761^***

6.5184^***

−5.2731

6.8782^***

(4.9497)

(3.5205)

(−0.6819)

(3.9544)

r2_a

0.6058

0.3647

0.1378

0.3614

F

16.4794

13.5850

3.8325

11.3703