(1)

State-owned bank

(2)

Joint-stock bank

(3)

City commercial bank

(4)

Rural commercial bank

(5)

Foreign bank

DTI

−0.2900*

−0.1939*

−0.1126*

−0.0931*

−0.1760*

(−0.0092)

(−0.0043)

(−0.0029)

(−0.0078)

(−0.0037)

Controls

YES

YES

YES

YES

YES

_cons

143.2172**

13.5522

6.8569

4.2993

−6.7645

(70.9990)

(13.7758)

(5.0727)

(18.3085)

(14.5441)

Individual

YES

YES

YES

YES

YES

Time

YES

YES

YES

YES

YES

r²

0.1743

0.1473

0.1275

0.1347

0.1326

F-test

3.90

3.39

3.10

2.34

2.01

Prob > F = 0.0000

Prob > F = 0.0000

Prob > F = 0.0000

Prob > F = 0.0000

Prob > F = 0.0000