Research Article
Measurement and Analysis of the Competitiveness of China Commercial Bank’s Loan Market
| Variable | Meaning | Definition of this article |
| | Total cost | Interest expenses + operating expenses | | Loan output | Total loans | | Interest income | Loan interest income | | Lending rates | Interest expense/loan | | Wage rate | Operating expenses/number of employees | | Lending rates | Interest income/total interest-earning assets | | NPL ratio | Loan loss provision/total loan |
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