00753022

200120052210%20%

/Ausuble,1991

Ausuble,1991

Mester1994Brito and Hartley1995

Canner and Luckett,1992

Canner and Luckett,1992

Canner and Luckett,1992

12345

3920046~200611-

1~4

INTi,t = f (NPLi,t ,CNi,t ,WDi,t , LOANi,t ,BIi,t ,COCi,t ,DRi,t ,ECi,t ) + + 0 + + +

5

NPLi,t = f (INTi,t ,CNi,t ,WDi,t , LOANi,t ,ECi,t ) ? ? ?

F

Hausman test twostage least square, 2SLS

13

2

4

5

*