| Variable code | variable name | Calculation method |
| NLR | Non-performing loan ratio | Non-performing loan/total loans |
| BS | Bank size | The logarithm of total assets |
| PRS | Property right structure | “1” represents state-owned commercial banks, “0” represents joint-stock commercial banks |
| MS | Market structure | The top 4 loans in banking industry/Total loans in banking industry |
| TPP | Third-party payment | The logarithm of the third-party payment |
| GOP | The growth rate of P2P trading amount | - |