From: Consumer lending efficiency: commercial banks versus a fintech lender
Parameter | Variable | Coefficient estimate | Pr( >|t|) |
---|---|---|---|
β1 | Growth rate in consumer lending from 2010 to 2013i | − 0.000083 | 0.476997 |
β2 | Consumer Loansi (100 billions) | − 0.187182 | 0.000000 |
β3 | Consumer Loansi (100 billions)]2 | − 0.067038 | 0.000000 |
β4 | Contractual consumer loan ratei | 0.094545 | 0.004801 |
β5 | [Contractual consumer loan ratei]2 | − 0.181961 | 0.021239 |
β6 | [Contractual consumer loan ratei] × [GDP Growth Ratei] | − 0.006107 | 0.181438 |
β7 | [Contractual consumer loan ratei] × [Herfindahl Indexi] | 0.001904 | 0.020190 |
β8 | [Consumer Loansi (scaled)] × [Consumer Loan Ratei] | 0.663070 | 0.000000 |
β9 | [Consumer Loansi (scaled)] × [GDP Growth Ratei] | 0.068959 | 0.000000 |
β10 | [Consumer Loansi (scaled)] × [Herfindahl Indexi] | − 0.117169 | 0.000001 |
σμ = 1/θ | 0.031910 | 0.000000 | |
σν | 0.002098 | 0.061483 |