Evaluation of the Development of Fintech-Served Real Economy Based on Fintech Improvement

Table 7

Unit root test results.

Variables	Study area	East area	West area	South area	North area	Central area
lnREG	7.2536	3.9672	5.24623	2.35721	3.8932	4.3561
	(1.0000)	(1.0000)	(0.9999)	(1.0000)	(1.0000)	(0.9999)
lnFTE	−0.8175	−1.2725	−0.7625	−0.7541	−1.9152	−0.1562
	(0.1726)	(0.1052)	(0.76255)	(1.0000)	(1.0000)	(1.0000)
lnCIV	4.9231	1.5762	3.7532	3.7521	3.1546	3.7812
	(1.0000)	(0.3075)	(0.9996)	(0.9999)	(0.9997)	(0.9998)
lnHRIV	3.4721	2.0754	0.4552	0.0235	0.4531	0.9612
	(0.9984)	(0.9852)	(0.9975)	(0.9803)	(0.5111)	(1.0000)
lnUL	3.5763	1.7423	0.3376	0.3575	0.4756	0.4561
	(0.9721)	(0.9563)	(0.5235)	(0.9527)	(0.0952)	(1.0000)
lnOTO	−4.6759	−0.8783	0.3514	−1.3557	−1.8754	−1.9168
	(0.6752)	(0.1875)	(0.6308)	(0.1235)	(0.1242)	(0.1851)
ΔlnREG	−6.7315	−3.5840	−2.5354	−3.4852	−3.456	−3.5677
	(0.0000)	(0.0001)	(0.0052)	(0.0157)	(0.0124)	(0.0251)
ΔlnFTE	−4.0824	−2.8159	−3.5729	−3.4785	−3.5751	−3.7851
	(0.0000)	(0.0015)	(0.0005)	(0.0003)	(0.0006)	(0.0004)
ΔlnCIV	−4.5431	−2.3153	−1.6217	−3.5242	−3.7894	−3.5412
	(0.0000)	(0.0125)	(0.0572)	(0.0005)	(0.0006)	(0.0007)
ΔlnHRIV	−4.0271	−2.0576	−2.4276	−2.0575	−2.3541	−2.4512
	(0.0000)	(0.0235)	(0.0023)	(0.0212)	(0.0023)	(0.0025)
ΔlnUL	−4.2785	−2.5136	−2.4351	−2.3725	−2.2864	−2.7546
	(0.0000)	(0.0049)	(0.0076)	(0.0090)	(0.0091)	(0.0085)
ΔlnOTO	−5.6724	−3.7685	−2.6753	−3.5672	−3.7851	−3.5452
	(0.0000)	(0.0003)	(0.0045)	(0.0002)	(0.0003)	(0.0002)