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| Goal layer | Element layer | Indicator layer | Variable definition |
|
| Deposit-loan maturity mismatch risk of commercial banks | Institutional environmental impact factors | Degree of government intervention | Marketization index report |
| Degree of finance marketization | Domestic credits/GDP |
| | The social financing scale |
| Market intermediary organization and perfection of legal system | The perfection of legal system |
| The difference between the registered place and the target place of the enterprise | Reflecting differences in policy environment |
| Policy environmental impact factors | Financial expenditure | Finance expenditure level |
| Taxation variation | Tax policy change level |
| Local government debt | Local government borrowing level |
| Interest rate changes | Interest rate change level |
| Mirror image of foreign exchange reserve | Foreign exchange management level |
| Growth rate of m2 | Growth level of broad money supply |
| Policy uncertainty | Reflecting the level of economic and policy uncertainty |
| Industry environmental impact factors | Import and export trade growth | Import and export trade has some relative growth levels |
| Interbank offered rate | Lending policy management |
| State housing boom index | Reflecting the prosperity of the real estate industry |
| Fixed asset investment | Reflecting investment in infrastructure construction in China |
| Internal impact factors of banks | Executive compensation stickiness | The stickiness level of executive compensation for enterprise performance |
| Managerial overconfidence | Managers’ expectations of future market environment |
| Enterprise growth | Net assets growth rate |
| Amount of non-performing loans in normal loans/normal loans | Non-performing loan management level |
| Amount of non-performing loans in concerned loans/concerned loans |
| (General preparation + special preparation + special preparation)/(sub-prime loans + suspicious loans + loss loans) |
| Non-performing loans/total loans |
| Loan amount/deposit amount | Funds management level |
| Demand deposit/fixed term deposits |
| Converted funds/deposits |
| Net assets/total weighted risk assets | Debt paying ability |
| [(equity + long-term liabilities + operational current liabilities) - long-term assets]/operational current assets |
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