From: Consumer lending efficiency: commercial banks versus a fintech lender
Parameter | Variable | Coefficient Estimate | Pr( >|t|) |
---|---|---|---|
β1 | Growth rate in consumer lending from 2013 to 2016i | − 0.000513 | 0.006971 |
β2 | Contractual consumer loan ratei | 0.060001 | 0.000001 |
β3 | [Contractual consumer loan ratei]2 | 0.070136 | 0.127654 |
β4 | [Contractual consumer loan ratei] × [GDP Growth Ratei] | − 0.005768 | 0.252876 |
β5 | [Contractual consumer loan ratei] × [Herfindahl Indexi] | − 0.078812 | 0.000650 |
σμ = 1/θ | 0.027062 | 0.000000 | |
σν | 0.000438 | 0.009392 |