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

Table 3

Classification sample model-regression results.

Variables	Large state-owned banks	Medium-sized joint-stock banks	Small city banks
NIS	0.2087	0.1678	0.0075
	(2.6952)	(3.2273)	(0.1155)
SIZE	0.0854	0.1893	0.0032
	(1.0322)	(2.2626)	(0.0452)
LD	−0.0036	−0.0012	0.0011
	(−1.7169)	(−0.3561)	(0.4351)
CIR	−0.0259	−0.0104	0.0136
	(−4.3733)	(−3.1809)	(2.5885)
RNPL	−0.0951	−0.1233	0.3292
	(−1.7764)	(−1.7216)	(2.052)
CAR	0.0023	0.0222	0.0323
	(0.1321)	(1.3415)	(3.4033)
NPL	−0.0102	0.0747	0.0713
	(−0.2156)	(2.128)	(1.6115)
GDP	0.0035	−0.0139	−0.0014
	(0.6871)	(−2.1673)	(−0.268)
BDR	1.1916	−2.0148	−0.1032
	(0.8737)	(−1.5869)	(−0.0945)
SR	−0.183	0.1674	−0.3476
	(−0.9344)	(0.8051)	(−2.1596)
TPP	−0.0026	0.0001	−0.0014
	(−3.9951)	(0.1934)	(−4.2494)
P2P	−0.0022	−0.0009	−0.0013
	(−0.5087)	(−0.3304)	(−0.5592)
R^2	0.8648	0.5889	0.8629
F	16.5931	12.1856	31.5443

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