| Variable Name | Variable Definition | Type |
| WRA | The rate of Risk-weighted Assets | Explained Variable |
| T | The shareholding ratio of first major shareholder | Explaining Variable |
| S | The ownership dispersion ratio | Explaining Variable |
| B | The equity balance degree | Explaining Variable |
| SE | Two rights separation | Explaining Variable |
| L | The rate of bank’s loan | Control Variable |
| SC | The bank scale | Control Variable |
| GDP | The growth rate of Chinese GDP | Control Variable |
| M2 | The growth rate of Chinese M2 | Control Variable |