| Mean | Maximum | Minimum | Variance | |
| Non-performing loan ratio (%) | 1.49 | 23.570 | 0.380 | 1.97 |
| Bank size | 15.07 | 16.99 | 11.58 | 1.14 |
| Property right structure | - | - | - | - |
| Market structure | 0.14 | 0.16 | 0.12 | 0.01 |
| Third-party payment | 15.54 | 17.87 | 11.52 | 1.95 |
| The growth rate of P2P trading amount | 257.05 | 583.87 | 110.08 | 132.58 |