IRS

大型国有银行

股份制银行

地方银行

IRLI

−0.001*

−0.005**

−0.004**

(−0.30)

(−2.15)

(−2.35)

CR

0.000

−0.000

−0.000

(1.45)

(−0.87)

(−0.59)

RA

0.849

2.169**

4.236***

(0.52)

(3.00)

(8.51)

PIB

−15.710***

−1.562

−7.901***

(−3.76)

(−0.51)

(−6.12)

QM

0.027

−0.001

0.091***

(0.80)

(−0.87)

(3.71)

lnTS

0.083***

−0.890***

−0.000

(4.30)

(−4.48)

(−0.67)

_cons

0.178

2.219**

2.028**

(0.22)

(3.04)

(2.92)

N

46

102

193