NPL

LNZ

南部

中部

北部

南部

中部

北部

AT1

0.0033

0.0574^**

0.1478

−0.1129

−0.0714

0.0492

(0.1236)

(2.3786)

(1.6483)

(−1.2932)

(−1.4391)

(0.8812)

AT2

−0.0821

0.0244

0.0602^*

−0.0314

0.0521

0.0329

(−1.6311)

(1.2118)

(1.6986)

(−0.4339)

(1.0613)

(0.3560)

AT3

0.0161^**

0.0021

0.0523

−0.1802

−0.0425

−0.2574^**

(2.0965)

(0.0591)

(0.5534)

(−1.4537)

(−0.6201)

(−2.2430)

AT4

0.0886

0.0729^*

0.0531

−0.1670^*

−0.1152

0.0879

(1.4515)

(1.7230)

(0.5477)

(−1.8868)

(−1.4110)

(0.6222)

PREC

0.1052^*

0.0165

0.1023^**

0.2238^*

−0.0567

−0.0391

(1.9587)

(0.6031)

(2.0529)

(1.7715)

(−0.7776)

(−0.3571)

SS

0.0713^**

0.0022

−0.0182

0.0185

0.0293

−0.1251

(2.3646)

(0.0908)

(−0.4261)

(0.1765)

(0.4230)

(−1.2323)

size

0.0689

−0.1855^***

−0.2081

0.5845

0.3526^***

0.3112^**

(0.5119)

(−3.9806)

(−0.6772)

(1.1931)

(3.5247)

(2.1526)

dep

−0.0409

0.0031

−0.0021

−0.0126

0.0190

0.0258

(−1.5336)

(0.2723)

(−0.1006)

(−0.4508)

(1.0740)

(1.0074)

car

−0.1573^***

−0.0818^***

−0.2287^**

0.0603

0.0471

0.1630^**

(−5.7166)

(−2.6424)

(−2.2424)

(1.3790)

(1.1261)

(2.5912)

EA

0.1635^***

0.1186^***

0.1264^*

−0.0804

0.0671

−0.1195

(4.0875)

(3.1401)

(1.7832)

(−0.9324)

(1.0021)

(−1.1275)

ROA

−0.9403^***

−0.5116^***

−1.2215^***

−0.1149

0.1102

0.0363

(−4.6453)

(−4.6941)

(−4.6701)

(−0.4613)

(0.5117)

(0.1313)

LNGDP

0.0472

−0.0494^*

0.0295

−0.3856

0.0392

−0.0520

(0.5562)

(−1.7094)

(0.1420)

(−1.0748)

(1.0089)

(−0.3246)

LNP

−0.6450

0.2390

0.0897

−0.6552

−0.0604

0.3505

(−1.1355)

(1.5668)

(0.3327)

(−0.8345)

(−0.1879)

(0.9299)

t

−0.1506^***

0.0459^***

−0.0391

−0.1396

−0.1211^***

−0.0166

(−2.8680)

(2.6931)

(−0.8442)

(−1.4325)

(−3.2341)

(−0.3563)

_cons

9.0332^**

4.6357^**

8.8830

1.0265

−4.7192^*

−6.3391^*

(2.0611)

(2.4856)

(1.5729)

(0.1631)

(−1.8907)

(−1.7145)

r2_a

0.3693

0.4169

0.2690

0.1779

0.2496

0.1035

F

14.1454

8.4694

5.4457

2.8647

6.9941

2.5632