| Model | Unstandardized Coefficients | Standardized Coefficients | t | Sig. | ||
| B | Std. Error | Beta | ||||
| 1 | (Constant) | 0.148 | 0.199 |
| 0.741 | 0.465 |
| Credit Appraisal | 0.373 | 0.249 | 0.354 | 1.496 | 0.146 | |
| Risk Diversification | 0.024 | 0.281 | 0.022 | 0.087 | 0.932 | |
| Credit Risk Control | 1.317 | 0.222 | 1.362 | 5.922 | 0.000 | |