Analysis of the Impact of Interest Rate Liberalization on Financial Services Management in Chinese Commercial Banks

Table 2

Commercial bank linear regression results.

Variable	Model one (ROA)	Model two (NIIR)
NIS	0.1704	−8.4801
	(4.7434)	(−7.3092)
SIZE	0.1075	5.3488
	(3.0811)	(3.6392)
LD	−0.0003	0.2621
	(−0.2335)	(5.4875)
CIR	−0.0051	−0.3077
	(−1.8174)	(−3.1732)
RNPL	−0.0574	2.8694
	(−1.8489)	(2.8715)
CAR	0.0449	0.4278
	(7.3378)	(2.1741)
NPL	0.0030	0.5892
	(0.1675)	(1.0202)
GDP	0.0038	−0.1480
	(1.1434)	(−1.4135)
BDR	1.6426	−6.1948
	(2.2027)	(−0.2544)
SR	−0.3846	0.4081
	(−3.3060)	(0.1113)
TPP	−0.0012	−0.0035
	(−5.8383)	(−0.5311)
P2P	−0.0021	−0.0447
	(−1.3860)	(−0.9596)
R^2	0.6438	0.7826
F	20.1448	39.9527

The symbols , , and indicate significant at 1%, 5%, and 10% levels.