Evolution of the Efficiency of Nationwide Commercial Banks in China Based on an SBM-Undesirable Model and DEA Window Analysis

Table 11

Threshold model regression results.

Variables	Coef.	Std. err.	t
NIIR (NIIR ≤ 25.81)	0.0077	0.0021	3.72	0.000
NIIR (NIIR > 25.81)	0.0118	0.0018	6.57	0.000
CIR	−0.0107	0.0028	−3.82	0.000
NIM	0.1393	0.0314	4.44	0.000
TIFA	0.0120	0.0017	6.88	0.000
CPI	0.0092	0.0037	2.47	0.015
_cons	−0.5480	0.3825	−1.43	0.155
obs	130
R-sq	0.5596
f test	23.5
Prob > f	0.0000

Significance within the level of 10%; significance within the level of 5%; significance within the level of 1%.