id	sid	tid	token	lemma	pos
ajbmeb-2637	1	1	american	american	PROPN
ajbmeb-2637	1	2	journal	journal	PROPN
ajbmeb-2637	1	3	of	of	ADP
ajbmeb-2637	1	4	business	business	NOUN
ajbmeb-2637	1	5	management	management	NOUN
ajbmeb-2637	1	6	,	,	PUNCT
ajbmeb-2637	1	7	economics	economic	NOUN
ajbmeb-2637	1	8	and	and	CCONJ
ajbmeb-2637	1	9	banking	banking	NOUN
ajbmeb-2637	1	10	issn	issn	PROPN
ajbmeb-2637	1	11	(	(	PUNCT
ajbmeb-2637	1	12	e	e	NOUN
ajbmeb-2637	1	13	):	):	PUNCT
ajbmeb-2637	1	14	2832	2832	NUM
ajbmeb-2637	1	15	-	-	SYM
ajbmeb-2637	1	16	8078	8078	NUM
ajbmeb-2637	1	17	volume	volume	NOUN
ajbmeb-2637	1	18	31	31	NUM
ajbmeb-2637	1	19	,	,	PUNCT
ajbmeb-2637	1	20	|	|	ADV
ajbmeb-2637	1	21	december	december	PROPN
ajbmeb-2637	1	22	2024	2024	NUM
ajbmeb-2637	1	23	p	p	NOUN
ajbmeb-2637	1	24	a	a	DET
ajbmeb-2637	1	25	g	g	NOUN
ajbmeb-2637	1	26	e	e	NOUN
ajbmeb-2637	1	27	|	|	NOUN
ajbmeb-2637	1	28	110	110	NUM
ajbmeb-2637	1	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2637	1	30	theoretical	theoretical	ADJ
ajbmeb-2637	1	31	,	,	PUNCT
ajbmeb-2637	1	32	economic	economic	ADJ
ajbmeb-2637	1	33	and	and	CCONJ
ajbmeb-2637	1	34	methodological	methodological	ADJ
ajbmeb-2637	1	35	basis	basis	NOUN
ajbmeb-2637	1	36	of	of	ADP
ajbmeb-2637	1	37	property	property	NOUN
ajbmeb-2637	1	38	insurance	insurance	NOUN
ajbmeb-2637	1	39	tuxtarova	tuxtarova	X
ajbmeb-2637	1	40	maftuna	maftuna	PROPN
ajbmeb-2637	1	41	yo‘ldoshboy	yo‘ldoshboy	PROPN
ajbmeb-2637	1	42	kizi	kizi	PROPN
ajbmeb-2637	1	43	“	"	PUNCT
ajbmeb-2637	1	44	university	university	NOUN
ajbmeb-2637	1	45	of	of	ADP
ajbmeb-2637	1	46	economics	economic	NOUN
ajbmeb-2637	1	47	and	and	CCONJ
ajbmeb-2637	1	48	pedagogy	pedagogy	NOUN
ajbmeb-2637	1	49	”	"	PUNCT
ajbmeb-2637	1	50	notm	notm	PROPN
ajbmeb-2637	1	51	,	,	PUNCT
ajbmeb-2637	1	52	phd	phd	NOUN
ajbmeb-2637	1	53	.	.	PUNCT
ajbmeb-2637	2	1	e	e	X
ajbmeb-2637	2	2	-	-	NOUN
ajbmeb-2637	2	3	mail	mail	NOUN
ajbmeb-2637	2	4	:	:	PUNCT
ajbmeb-2637	2	5	tuxtarova_m@mail.ru	tuxtarova_m@mail.ru	ADP
ajbmeb-2637	3	1	a	a	PRON
ajbmeb-2637	3	2	b	b	PROPN
ajbmeb-2637	3	3	s	s	ADP
ajbmeb-2637	3	4	t	t	PROPN
ajbmeb-2637	3	5	r	r	NOUN
ajbmeb-2637	3	6	a	a	DET
ajbmeb-2637	3	7	c	c	NOUN
ajbmeb-2637	3	8	t	t	NOUN
ajbmeb-2637	3	9	k	k	X
ajbmeb-2637	3	10	e	e	PROPN
ajbmeb-2637	3	11	y	y	PROPN
ajbmeb-2637	3	12	w	w	NOUN
ajbmeb-2637	3	13	o	o	NOUN
ajbmeb-2637	3	14	r	r	NOUN
ajbmeb-2637	3	15	d	d	X
ajbmeb-2637	3	16	s	s	NOUN
ajbmeb-2637	3	17	in	in	ADP
ajbmeb-2637	3	18	this	this	DET
ajbmeb-2637	3	19	article	article	NOUN
ajbmeb-2637	3	20	,	,	PUNCT
ajbmeb-2637	3	21	the	the	DET
ajbmeb-2637	3	22	theoretical	theoretical	ADJ
ajbmeb-2637	3	23	,	,	PUNCT
ajbmeb-2637	3	24	economic	economic	ADJ
ajbmeb-2637	3	25	,	,	PUNCT
ajbmeb-2637	3	26	and	and	CCONJ
ajbmeb-2637	3	27	methodological	methodological	ADJ
ajbmeb-2637	3	28	foundations	foundation	NOUN
ajbmeb-2637	3	29	of	of	ADP
ajbmeb-2637	3	30	property	property	NOUN
ajbmeb-2637	3	31	insurance	insurance	NOUN
ajbmeb-2637	3	32	,	,	PUNCT
ajbmeb-2637	3	33	as	as	ADV
ajbmeb-2637	3	34	well	well	ADV
ajbmeb-2637	3	35	as	as	ADP
ajbmeb-2637	3	36	suggestions	suggestion	NOUN
ajbmeb-2637	3	37	and	and	CCONJ
ajbmeb-2637	3	38	practical	practical	ADJ
ajbmeb-2637	3	39	recommendations	recommendation	NOUN
ajbmeb-2637	3	40	for	for	ADP
ajbmeb-2637	3	41	the	the	DET
ajbmeb-2637	3	42	implementation	implementation	NOUN
ajbmeb-2637	3	43	of	of	ADP
ajbmeb-2637	3	44	property	property	NOUN
ajbmeb-2637	3	45	insurance	insurance	NOUN
ajbmeb-2637	3	46	relations	relation	NOUN
ajbmeb-2637	3	47	and	and	CCONJ
ajbmeb-2637	3	48	further	further	ADJ
ajbmeb-2637	3	49	improvement	improvement	NOUN
ajbmeb-2637	3	50	of	of	ADP
ajbmeb-2637	3	51	insurance	insurance	NOUN
ajbmeb-2637	3	52	relations	relation	NOUN
ajbmeb-2637	3	53	have	have	AUX
ajbmeb-2637	3	54	been	be	AUX
ajbmeb-2637	3	55	developed	develop	VERB
ajbmeb-2637	3	56	.	.	PUNCT
ajbmeb-2637	4	1	commercial	commercial	ADJ
ajbmeb-2637	4	2	banks	bank	NOUN
ajbmeb-2637	4	3	,	,	PUNCT
ajbmeb-2637	4	4	insurance	insurance	NOUN
ajbmeb-2637	4	5	organizations	organization	NOUN
ajbmeb-2637	4	6	,	,	PUNCT
ajbmeb-2637	4	7	insurance	insurance	NOUN
ajbmeb-2637	4	8	market	market	NOUN
ajbmeb-2637	4	9	,	,	PUNCT
ajbmeb-2637	4	10	bank	bank	NOUN
ajbmeb-2637	4	11	insurance	insurance	NOUN
ajbmeb-2637	4	12	,	,	PUNCT
ajbmeb-2637	4	13	insurance	insurance	NOUN
ajbmeb-2637	4	14	premium	premium	NOUN
ajbmeb-2637	4	15	,	,	PUNCT
ajbmeb-2637	4	16	insurance	insurance	NOUN
ajbmeb-2637	4	17	money	money	NOUN
ajbmeb-2637	4	18	,	,	PUNCT
ajbmeb-2637	4	19	insurance	insurance	NOUN
ajbmeb-2637	4	20	liability	liability	NOUN
ajbmeb-2637	4	21	.	.	PUNCT
ajbmeb-2637	5	1	introduction	introduction	NOUN
ajbmeb-2637	5	2	in	in	ADP
ajbmeb-2637	5	3	today	today	NOUN
ajbmeb-2637	5	4	's	's	PART
ajbmeb-2637	5	5	society	society	NOUN
ajbmeb-2637	5	6	,	,	PUNCT
ajbmeb-2637	5	7	the	the	DET
ajbmeb-2637	5	8	development	development	NOUN
ajbmeb-2637	5	9	of	of	ADP
ajbmeb-2637	5	10	insurance	insurance	NOUN
ajbmeb-2637	5	11	activities	activity	NOUN
ajbmeb-2637	5	12	in	in	ADP
ajbmeb-2637	5	13	sync	sync	NOUN
ajbmeb-2637	5	14	with	with	ADP
ajbmeb-2637	5	15	the	the	DET
ajbmeb-2637	5	16	development	development	NOUN
ajbmeb-2637	5	17	of	of	ADP
ajbmeb-2637	5	18	the	the	DET
ajbmeb-2637	5	19	digital	digital	ADJ
ajbmeb-2637	5	20	economy	economy	NOUN
ajbmeb-2637	5	21	is	be	AUX
ajbmeb-2637	5	22	the	the	DET
ajbmeb-2637	5	23	demand	demand	NOUN
ajbmeb-2637	5	24	of	of	ADP
ajbmeb-2637	5	25	the	the	DET
ajbmeb-2637	5	26	times	time	NOUN
ajbmeb-2637	5	27	.	.	PUNCT
ajbmeb-2637	6	1	insurance	insurance	NOUN
ajbmeb-2637	6	2	relations	relation	NOUN
ajbmeb-2637	6	3	are	be	AUX
ajbmeb-2637	6	4	based	base	VERB
ajbmeb-2637	6	5	on	on	ADP
ajbmeb-2637	6	6	risk	risk	NOUN
ajbmeb-2637	6	7	prevention	prevention	NOUN
ajbmeb-2637	6	8	and	and	CCONJ
ajbmeb-2637	6	9	gdp	gdp	NOUN
ajbmeb-2637	6	10	redistribution	redistribution	NOUN
ajbmeb-2637	6	11	processes	process	NOUN
ajbmeb-2637	6	12	.	.	PUNCT
ajbmeb-2637	7	1	in	in	ADP
ajbmeb-2637	7	2	the	the	DET
ajbmeb-2637	7	3	event	event	NOUN
ajbmeb-2637	7	4	of	of	ADP
ajbmeb-2637	7	5	an	an	DET
ajbmeb-2637	7	6	insurance	insurance	NOUN
ajbmeb-2637	7	7	event	event	NOUN
ajbmeb-2637	7	8	,	,	PUNCT
ajbmeb-2637	7	9	there	there	PRON
ajbmeb-2637	7	10	is	be	VERB
ajbmeb-2637	7	11	a	a	DET
ajbmeb-2637	7	12	need	need	NOUN
ajbmeb-2637	7	13	to	to	PART
ajbmeb-2637	7	14	protect	protect	VERB
ajbmeb-2637	7	15	the	the	DET
ajbmeb-2637	7	16	property	property	NOUN
ajbmeb-2637	7	17	interests	interest	NOUN
ajbmeb-2637	7	18	of	of	ADP
ajbmeb-2637	7	19	business	business	NOUN
ajbmeb-2637	7	20	entities	entity	NOUN
ajbmeb-2637	7	21	and	and	CCONJ
ajbmeb-2637	7	22	residents	resident	NOUN
ajbmeb-2637	7	23	,	,	PUNCT
ajbmeb-2637	7	24	which	which	PRON
ajbmeb-2637	7	25	in	in	ADP
ajbmeb-2637	7	26	turn	turn	NOUN
ajbmeb-2637	7	27	creates	create	VERB
ajbmeb-2637	7	28	a	a	DET
ajbmeb-2637	7	29	need	need	NOUN
ajbmeb-2637	7	30	for	for	ADP
ajbmeb-2637	7	31	insurance	insurance	NOUN
ajbmeb-2637	7	32	,	,	PUNCT
ajbmeb-2637	7	33	and	and	CCONJ
ajbmeb-2637	7	34	the	the	DET
ajbmeb-2637	7	35	increase	increase	NOUN
ajbmeb-2637	7	36	in	in	ADP
ajbmeb-2637	7	37	the	the	DET
ajbmeb-2637	7	38	number	number	NOUN
ajbmeb-2637	7	39	of	of	ADP
ajbmeb-2637	7	40	subjects	subject	NOUN
ajbmeb-2637	7	41	who	who	PRON
ajbmeb-2637	7	42	express	express	VERB
ajbmeb-2637	7	43	a	a	DET
ajbmeb-2637	7	44	desire	desire	NOUN
ajbmeb-2637	7	45	to	to	PART
ajbmeb-2637	7	46	use	use	VERB
ajbmeb-2637	7	47	insurance	insurance	NOUN
ajbmeb-2637	7	48	protection	protection	NOUN
ajbmeb-2637	7	49	leads	lead	VERB
ajbmeb-2637	7	50	to	to	ADP
ajbmeb-2637	7	51	an	an	DET
ajbmeb-2637	7	52	increase	increase	NOUN
ajbmeb-2637	7	53	in	in	ADP
ajbmeb-2637	7	54	demand	demand	NOUN
ajbmeb-2637	7	55	in	in	ADP
ajbmeb-2637	7	56	the	the	DET
ajbmeb-2637	7	57	insurance	insurance	NOUN
ajbmeb-2637	7	58	market	market	NOUN
ajbmeb-2637	7	59	.	.	PUNCT
ajbmeb-2637	8	1	the	the	DET
ajbmeb-2637	8	2	increase	increase	NOUN
ajbmeb-2637	8	3	in	in	ADP
ajbmeb-2637	8	4	demand	demand	NOUN
ajbmeb-2637	8	5	in	in	ADP
ajbmeb-2637	8	6	the	the	DET
ajbmeb-2637	8	7	insurance	insurance	NOUN
ajbmeb-2637	8	8	market	market	NOUN
ajbmeb-2637	8	9	is	be	AUX
ajbmeb-2637	8	10	determined	determine	VERB
ajbmeb-2637	8	11	by	by	ADP
ajbmeb-2637	8	12	the	the	DET
ajbmeb-2637	8	13	increase	increase	NOUN
ajbmeb-2637	8	14	in	in	ADP
ajbmeb-2637	8	15	the	the	DET
ajbmeb-2637	8	16	number	number	NOUN
ajbmeb-2637	8	17	of	of	ADP
ajbmeb-2637	8	18	insurance	insurance	NOUN
ajbmeb-2637	8	19	organizations	organization	NOUN
ajbmeb-2637	8	20	and	and	CCONJ
ajbmeb-2637	8	21	the	the	DET
ajbmeb-2637	8	22	increase	increase	NOUN
ajbmeb-2637	8	23	in	in	ADP
ajbmeb-2637	8	24	the	the	DET
ajbmeb-2637	8	25	level	level	NOUN
ajbmeb-2637	8	26	of	of	ADP
ajbmeb-2637	8	27	capitalization	capitalization	NOUN
ajbmeb-2637	8	28	of	of	ADP
ajbmeb-2637	8	29	insurance	insurance	NOUN
ajbmeb-2637	8	30	organizations	organization	NOUN
ajbmeb-2637	8	31	.	.	PUNCT
ajbmeb-2637	9	1	in	in	ADP
ajbmeb-2637	9	2	the	the	DET
ajbmeb-2637	9	3	previous	previous	ADJ
ajbmeb-2637	9	4	paragraph	paragraph	NOUN
ajbmeb-2637	9	5	of	of	ADP
ajbmeb-2637	9	6	our	our	PRON
ajbmeb-2637	9	7	research	research	NOUN
ajbmeb-2637	9	8	,	,	PUNCT
ajbmeb-2637	9	9	we	we	PRON
ajbmeb-2637	9	10	analyzed	analyze	VERB
ajbmeb-2637	9	11	insurance	insurance	NOUN
ajbmeb-2637	9	12	as	as	ADP
ajbmeb-2637	9	13	an	an	DET
ajbmeb-2637	9	14	economic	economic	ADJ
ajbmeb-2637	9	15	category	category	NOUN
ajbmeb-2637	9	16	and	and	CCONJ
ajbmeb-2637	9	17	considered	consider	VERB
ajbmeb-2637	9	18	the	the	DET
ajbmeb-2637	9	19	functions	function	NOUN
ajbmeb-2637	9	20	of	of	ADP
ajbmeb-2637	9	21	insurance	insurance	NOUN
ajbmeb-2637	9	22	relations	relation	NOUN
ajbmeb-2637	9	23	as	as	ADP
ajbmeb-2637	9	24	a	a	DET
ajbmeb-2637	9	25	source	source	NOUN
ajbmeb-2637	9	26	of	of	ADP
ajbmeb-2637	9	27	investment	investment	NOUN
ajbmeb-2637	9	28	,	,	PUNCT
ajbmeb-2637	9	29	ensuring	ensure	VERB
ajbmeb-2637	9	30	the	the	DET
ajbmeb-2637	9	31	continuity	continuity	NOUN
ajbmeb-2637	9	32	of	of	ADP
ajbmeb-2637	9	33	the	the	DET
ajbmeb-2637	9	34	economy	economy	NOUN
ajbmeb-2637	9	35	.	.	PUNCT
ajbmeb-2637	9	36	.	.	PUNCT
ajbmeb-2637	10	1	we	we	PRON
ajbmeb-2637	10	2	have	have	AUX
ajbmeb-2637	10	3	acknowledged	acknowledge	VERB
ajbmeb-2637	10	4	that	that	SCONJ
ajbmeb-2637	10	5	insurance	insurance	NOUN
ajbmeb-2637	10	6	plays	play	VERB
ajbmeb-2637	10	7	an	an	DET
ajbmeb-2637	10	8	important	important	ADJ
ajbmeb-2637	10	9	role	role	NOUN
ajbmeb-2637	10	10	in	in	ADP
ajbmeb-2637	10	11	the	the	DET
ajbmeb-2637	10	12	socio	socio	NOUN
ajbmeb-2637	10	13	-	-	PUNCT
ajbmeb-2637	10	14	economic	economic	ADJ
ajbmeb-2637	10	15	development	development	NOUN
ajbmeb-2637	10	16	of	of	ADP
ajbmeb-2637	10	17	the	the	DET
ajbmeb-2637	10	18	country.in	country.in	NUM
ajbmeb-2637	10	19	developed	develop	VERB
ajbmeb-2637	10	20	countries	country	NOUN
ajbmeb-2637	10	21	,	,	PUNCT
ajbmeb-2637	10	22	insurance	insurance	NOUN
ajbmeb-2637	10	23	organizations	organization	NOUN
ajbmeb-2637	10	24	offer	offer	VERB
ajbmeb-2637	10	25	both	both	DET
ajbmeb-2637	10	26	insurance	insurance	NOUN
ajbmeb-2637	10	27	services	service	NOUN
ajbmeb-2637	10	28	and	and	CCONJ
ajbmeb-2637	10	29	consulting	consulting	NOUN
ajbmeb-2637	10	30	services	service	NOUN
ajbmeb-2637	10	31	,	,	PUNCT
ajbmeb-2637	10	32	and	and	CCONJ
ajbmeb-2637	10	33	insurance	insurance	NOUN
ajbmeb-2637	10	34	organizations	organization	NOUN
ajbmeb-2637	10	35	have	have	AUX
ajbmeb-2637	10	36	become	become	VERB
ajbmeb-2637	10	37	multinational	multinational	ADJ
ajbmeb-2637	10	38	corporations	corporation	NOUN
ajbmeb-2637	10	39	,	,	PUNCT
ajbmeb-2637	10	40	global	global	ADJ
ajbmeb-2637	10	41	financial	financial	ADJ
ajbmeb-2637	10	42	institutions	institution	NOUN
ajbmeb-2637	10	43	with	with	ADP
ajbmeb-2637	10	44	various	various	ADJ
ajbmeb-2637	10	45	assets	asset	NOUN
ajbmeb-2637	10	46	in	in	ADP
ajbmeb-2637	10	47	many	many	ADJ
ajbmeb-2637	10	48	countries	country	NOUN
ajbmeb-2637	10	49	..	..	PUNCT
ajbmeb-2637	10	50	such	such	ADJ
ajbmeb-2637	10	51	insurance	insurance	NOUN
ajbmeb-2637	10	52	organizations	organization	NOUN
ajbmeb-2637	10	53	are	be	AUX
ajbmeb-2637	10	54	operating	operate	VERB
ajbmeb-2637	10	55	in	in	ADP
ajbmeb-2637	10	56	the	the	DET
ajbmeb-2637	10	57	international	international	ADJ
ajbmeb-2637	10	58	market	market	NOUN
ajbmeb-2637	10	59	in	in	ADP
ajbmeb-2637	10	60	order	order	NOUN
ajbmeb-2637	10	61	to	to	PART
ajbmeb-2637	10	62	attract	attract	VERB
ajbmeb-2637	10	63	new	new	ADJ
ajbmeb-2637	10	64	customers	customer	NOUN
ajbmeb-2637	10	65	beyond	beyond	ADP
ajbmeb-2637	10	66	the	the	DET
ajbmeb-2637	10	67	borders	border	NOUN
ajbmeb-2637	10	68	of	of	ADP
ajbmeb-2637	10	69	the	the	DET
ajbmeb-2637	10	70	national	national	ADJ
ajbmeb-2637	10	71	market	market	NOUN
ajbmeb-2637	10	72	.	.	PUNCT
ajbmeb-2637	11	1	literature	literature	NOUN
ajbmeb-2637	11	2	review	review	VERB
ajbmeb-2637	11	3	the	the	DET
ajbmeb-2637	11	4	existence	existence	NOUN
ajbmeb-2637	11	5	of	of	ADP
ajbmeb-2637	11	6	insurance	insurance	NOUN
ajbmeb-2637	11	7	relations	relation	NOUN
ajbmeb-2637	11	8	is	be	AUX
ajbmeb-2637	11	9	not	not	PART
ajbmeb-2637	11	10	only	only	ADV
ajbmeb-2637	11	11	of	of	ADP
ajbmeb-2637	11	12	interest	interest	NOUN
ajbmeb-2637	11	13	to	to	PART
ajbmeb-2637	11	14	subacres	subacre	NOUN
ajbmeb-2637	11	15	with	with	ADP
ajbmeb-2637	11	16	a	a	DET
ajbmeb-2637	11	17	high	high	ADJ
ajbmeb-2637	11	18	level	level	NOUN
ajbmeb-2637	11	19	of	of	ADP
ajbmeb-2637	11	20	risk	risk	NOUN
ajbmeb-2637	11	21	,	,	PUNCT
ajbmeb-2637	11	22	but	but	CCONJ
ajbmeb-2637	11	23	is	be	AUX
ajbmeb-2637	11	24	considered	consider	VERB
ajbmeb-2637	11	25	important	important	ADJ
ajbmeb-2637	11	26	for	for	ADP
ajbmeb-2637	11	27	the	the	DET
ajbmeb-2637	11	28	whole	whole	ADJ
ajbmeb-2637	11	29	society	society	NOUN
ajbmeb-2637	11	30	.	.	PUNCT
ajbmeb-2637	12	1	u.t.akhvlediani	u.t.akhvlediani	PROPN
ajbmeb-2637	12	2	is	be	AUX
ajbmeb-2637	12	3	considered	consider	VERB
ajbmeb-2637	12	4	one	one	NUM
ajbmeb-2637	12	5	of	of	ADP
ajbmeb-2637	12	6	the	the	DET
ajbmeb-2637	12	7	scientists	scientist	NOUN
ajbmeb-2637	12	8	who	who	PRON
ajbmeb-2637	12	9	analytically	analytically	ADV
ajbmeb-2637	12	10	,	,	PUNCT
ajbmeb-2637	12	11	critically	critically	ADV
ajbmeb-2637	12	12	and	and	CCONJ
ajbmeb-2637	12	13	systematically	systematically	ADV
ajbmeb-2637	12	14	studied	study	VERB
ajbmeb-2637	12	15	the	the	DET
ajbmeb-2637	12	16	practice	practice	NOUN
ajbmeb-2637	12	17	of	of	ADP
ajbmeb-2637	12	18	property	property	NOUN
ajbmeb-2637	12	19	insurance	insurance	NOUN
ajbmeb-2637	12	20	.	.	PUNCT
ajbmeb-2637	13	1	he	he	PRON
ajbmeb-2637	13	2	focused	focus	VERB
ajbmeb-2637	13	3	on	on	ADP
ajbmeb-2637	13	4	a	a	DET
ajbmeb-2637	13	5	certain	certain	ADJ
ajbmeb-2637	13	6	situation	situation	NOUN
ajbmeb-2637	13	7	in	in	ADP
ajbmeb-2637	13	8	his	his	PRON
ajbmeb-2637	13	9	research	research	NOUN
ajbmeb-2637	13	10	.	.	PUNCT
ajbmeb-2637	14	1	these	these	PRON
ajbmeb-2637	14	2	are	be	AUX
ajbmeb-2637	14	3	:	:	PUNCT
ajbmeb-2637	14	4	mailto:tuxtarova_m@mail.ru	mailto:tuxtarova_m@mail.ru	PROPN
ajbmeb-2637	14	5	american	american	ADJ
ajbmeb-2637	14	6	journal	journal	PROPN
ajbmeb-2637	14	7	of	of	ADP
ajbmeb-2637	14	8	business	business	NOUN
ajbmeb-2637	14	9	management	management	NOUN
ajbmeb-2637	14	10	,	,	PUNCT
ajbmeb-2637	14	11	economics	economic	NOUN
ajbmeb-2637	14	12	and	and	CCONJ
ajbmeb-2637	14	13	banking	banking	NOUN
ajbmeb-2637	14	14	volume	volume	NOUN
ajbmeb-2637	14	15	31	31	NUM
ajbmeb-2637	14	16	december	december	PROPN
ajbmeb-2637	14	17	2024	2024	NUM
ajbmeb-2637	14	18	p	p	NOUN
ajbmeb-2637	14	19	a	a	DET
ajbmeb-2637	14	20	g	g	NOUN
ajbmeb-2637	14	21	e	e	NOUN
ajbmeb-2637	14	22	|	|	NOUN
ajbmeb-2637	14	23	111	111	NUM
ajbmeb-2637	14	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2637	14	25	it	it	PRON
ajbmeb-2637	14	26	is	be	AUX
ajbmeb-2637	14	27	represented	represent	VERB
ajbmeb-2637	14	28	by	by	ADP
ajbmeb-2637	14	29	the	the	DET
ajbmeb-2637	14	30	formation	formation	NOUN
ajbmeb-2637	14	31	of	of	ADP
ajbmeb-2637	14	32	a	a	DET
ajbmeb-2637	14	33	damage	damage	NOUN
ajbmeb-2637	14	34	prevention	prevention	NOUN
ajbmeb-2637	14	35	fund	fund	NOUN
ajbmeb-2637	14	36	in	in	ADP
ajbmeb-2637	14	37	insurance	insurance	NOUN
ajbmeb-2637	14	38	organizations	organization	NOUN
ajbmeb-2637	14	39	,	,	PUNCT
ajbmeb-2637	14	40	the	the	DET
ajbmeb-2637	14	41	possibility	possibility	NOUN
ajbmeb-2637	14	42	of	of	ADP
ajbmeb-2637	14	43	reducing	reduce	VERB
ajbmeb-2637	14	44	the	the	DET
ajbmeb-2637	14	45	level	level	NOUN
ajbmeb-2637	14	46	of	of	ADP
ajbmeb-2637	14	47	risk	risk	NOUN
ajbmeb-2637	14	48	by	by	ADP
ajbmeb-2637	14	49	the	the	DET
ajbmeb-2637	14	50	insurance	insurance	NOUN
ajbmeb-2637	14	51	organization	organization	NOUN
ajbmeb-2637	14	52	,	,	PUNCT
ajbmeb-2637	14	53	for	for	ADP
ajbmeb-2637	14	54	example	example	NOUN
ajbmeb-2637	14	55	,	,	PUNCT
ajbmeb-2637	14	56	by	by	ADP
ajbmeb-2637	14	57	placing	place	VERB
ajbmeb-2637	14	58	firefighting	firefighting	NOUN
ajbmeb-2637	14	59	equipment	equipment	NOUN
ajbmeb-2637	14	60	.	.	PUNCT
ajbmeb-2637	15	1	we	we	PRON
ajbmeb-2637	15	2	can	can	AUX
ajbmeb-2637	15	3	call	call	VERB
ajbmeb-2637	15	4	this	this	DET
ajbmeb-2637	15	5	function	function	NOUN
ajbmeb-2637	15	6	preventive	preventive	ADJ
ajbmeb-2637	15	7	function	function	NOUN
ajbmeb-2637	15	8	.	.	PUNCT
ajbmeb-2637	16	1	preventive	preventive	ADJ
ajbmeb-2637	16	2	measures	measure	NOUN
ajbmeb-2637	16	3	carried	carry	VERB
ajbmeb-2637	16	4	out	out	ADP
ajbmeb-2637	16	5	by	by	ADP
ajbmeb-2637	16	6	insurance	insurance	NOUN
ajbmeb-2637	16	7	companies	company	NOUN
ajbmeb-2637	16	8	lead	lead	VERB
ajbmeb-2637	16	9	to	to	ADP
ajbmeb-2637	16	10	a	a	DET
ajbmeb-2637	16	11	reduction	reduction	NOUN
ajbmeb-2637	16	12	of	of	ADP
ajbmeb-2637	16	13	insurance	insurance	NOUN
ajbmeb-2637	16	14	losses	loss	NOUN
ajbmeb-2637	16	15	in	in	ADP
ajbmeb-2637	16	16	the	the	DET
ajbmeb-2637	16	17	future	future	NOUN
ajbmeb-2637	16	18	and	and	CCONJ
ajbmeb-2637	16	19	ensure	ensure	VERB
ajbmeb-2637	16	20	the	the	DET
ajbmeb-2637	16	21	safety	safety	NOUN
ajbmeb-2637	16	22	of	of	ADP
ajbmeb-2637	16	23	operations	operation	NOUN
ajbmeb-2637	16	24	;	;	PUNCT
ajbmeb-2637	16	25	the	the	DET
ajbmeb-2637	16	26	innovative	innovative	ADJ
ajbmeb-2637	16	27	function	function	NOUN
ajbmeb-2637	16	28	of	of	ADP
ajbmeb-2637	16	29	property	property	NOUN
ajbmeb-2637	16	30	insurance	insurance	NOUN
ajbmeb-2637	16	31	provides	provide	VERB
ajbmeb-2637	16	32	financial	financial	ADJ
ajbmeb-2637	16	33	support	support	NOUN
ajbmeb-2637	16	34	for	for	ADP
ajbmeb-2637	16	35	socio	socio	NOUN
ajbmeb-2637	16	36	-	-	PUNCT
ajbmeb-2637	16	37	economic	economic	ADJ
ajbmeb-2637	16	38	development	development	NOUN
ajbmeb-2637	16	39	of	of	ADP
ajbmeb-2637	16	40	society	society	NOUN
ajbmeb-2637	16	41	,	,	PUNCT
ajbmeb-2637	16	42	man	man	NOUN
ajbmeb-2637	16	43	-	-	PUNCT
ajbmeb-2637	16	44	made	make	VERB
ajbmeb-2637	16	45	growth	growth	NOUN
ajbmeb-2637	16	46	and	and	CCONJ
ajbmeb-2637	16	47	risky	risky	ADJ
ajbmeb-2637	16	48	situations	situation	NOUN
ajbmeb-2637	16	49	,	,	PUNCT
ajbmeb-2637	16	50	and	and	CCONJ
ajbmeb-2637	16	51	the	the	DET
ajbmeb-2637	16	52	introduction	introduction	NOUN
ajbmeb-2637	16	53	of	of	ADP
ajbmeb-2637	16	54	innovative	innovative	ADJ
ajbmeb-2637	16	55	technologies	technology	NOUN
ajbmeb-2637	16	56	by	by	ADP
ajbmeb-2637	16	57	insurance	insurance	NOUN
ajbmeb-2637	16	58	organizations	organization	NOUN
ajbmeb-2637	16	59	;	;	PUNCT
ajbmeb-2637	16	60	the	the	DET
ajbmeb-2637	16	61	investment	investment	NOUN
ajbmeb-2637	16	62	function	function	NOUN
ajbmeb-2637	16	63	of	of	ADP
ajbmeb-2637	16	64	property	property	NOUN
ajbmeb-2637	16	65	insurance	insurance	NOUN
ajbmeb-2637	16	66	is	be	AUX
ajbmeb-2637	16	67	the	the	DET
ajbmeb-2637	16	68	important	important	ADJ
ajbmeb-2637	16	69	investment	investment	NOUN
ajbmeb-2637	16	70	source	source	NOUN
ajbmeb-2637	16	71	of	of	ADP
ajbmeb-2637	16	72	funds	fund	NOUN
ajbmeb-2637	16	73	accumulated	accumulate	VERB
ajbmeb-2637	16	74	by	by	ADP
ajbmeb-2637	16	75	insurance	insurance	NOUN
ajbmeb-2637	16	76	organizations	organization	NOUN
ajbmeb-2637	16	77	.	.	PUNCT
ajbmeb-2637	17	1	economist	economist	NOUN
ajbmeb-2637	17	2	yu.b	yu.b	PROPN
ajbmeb-2637	17	3	.	.	PUNCT
ajbmeb-2637	18	1	fogelson	fogelson	PROPN
ajbmeb-2637	18	2	defines	define	VERB
ajbmeb-2637	18	3	in	in	ADP
ajbmeb-2637	18	4	his	his	PRON
ajbmeb-2637	18	5	research	research	NOUN
ajbmeb-2637	18	6	that	that	SCONJ
ajbmeb-2637	18	7	financial	financial	ADJ
ajbmeb-2637	18	8	flows	flow	NOUN
ajbmeb-2637	18	9	are	be	AUX
ajbmeb-2637	18	10	involved	involve	VERB
ajbmeb-2637	18	11	in	in	ADP
ajbmeb-2637	18	12	the	the	DET
ajbmeb-2637	18	13	process	process	NOUN
ajbmeb-2637	18	14	of	of	ADP
ajbmeb-2637	18	15	redistribution	redistribution	NOUN
ajbmeb-2637	18	16	,	,	PUNCT
ajbmeb-2637	18	17	he	he	PRON
ajbmeb-2637	18	18	says	say	VERB
ajbmeb-2637	18	19	that	that	SCONJ
ajbmeb-2637	18	20	the	the	DET
ajbmeb-2637	18	21	basis	basis	NOUN
ajbmeb-2637	18	22	of	of	ADP
ajbmeb-2637	18	23	financial	financial	ADJ
ajbmeb-2637	18	24	relations	relation	NOUN
ajbmeb-2637	18	25	is	be	AUX
ajbmeb-2637	18	26	represented	represent	VERB
ajbmeb-2637	18	27	by	by	ADP
ajbmeb-2637	18	28	the	the	DET
ajbmeb-2637	18	29	existence	existence	NOUN
ajbmeb-2637	18	30	of	of	ADP
ajbmeb-2637	18	31	insurance	insurance	NOUN
ajbmeb-2637	18	32	.	.	PUNCT
ajbmeb-2637	19	1	n.s	n.s	PROPN
ajbmeb-2637	19	2	.	.	PROPN
ajbmeb-2637	19	3	kovalevskaya	kovalevskaya	PROPN
ajbmeb-2637	19	4	's	's	PART
ajbmeb-2637	19	5	studies	study	NOUN
ajbmeb-2637	19	6	gave	give	VERB
ajbmeb-2637	19	7	great	great	ADJ
ajbmeb-2637	19	8	importance	importance	NOUN
ajbmeb-2637	19	9	to	to	ADP
ajbmeb-2637	19	10	the	the	DET
ajbmeb-2637	19	11	place	place	NOUN
ajbmeb-2637	19	12	of	of	ADP
ajbmeb-2637	19	13	insurance	insurance	NOUN
ajbmeb-2637	19	14	in	in	ADP
ajbmeb-2637	19	15	society	society	NOUN
ajbmeb-2637	19	16	,	,	PUNCT
ajbmeb-2637	19	17	for	for	ADP
ajbmeb-2637	19	18	example	example	NOUN
ajbmeb-2637	19	19	,	,	PUNCT
ajbmeb-2637	19	20	insurance	insurance	NOUN
ajbmeb-2637	19	21	gave	give	VERB
ajbmeb-2637	19	22	great	great	ADJ
ajbmeb-2637	19	23	importance	importance	NOUN
ajbmeb-2637	19	24	to	to	ADP
ajbmeb-2637	19	25	increasing	increase	VERB
ajbmeb-2637	19	26	knowledge	knowledge	NOUN
ajbmeb-2637	19	27	,	,	PUNCT
ajbmeb-2637	19	28	raising	raise	VERB
ajbmeb-2637	19	29	its	its	PRON
ajbmeb-2637	19	30	literacy	literacy	NOUN
ajbmeb-2637	19	31	,	,	PUNCT
ajbmeb-2637	19	32	popularizing	popularize	VERB
ajbmeb-2637	19	33	the	the	DET
ajbmeb-2637	19	34	type	type	NOUN
ajbmeb-2637	19	35	of	of	ADP
ajbmeb-2637	19	36	property	property	NOUN
ajbmeb-2637	19	37	insurance	insurance	NOUN
ajbmeb-2637	19	38	,	,	PUNCT
ajbmeb-2637	19	39	expressed	express	VERB
ajbmeb-2637	19	40	the	the	DET
ajbmeb-2637	19	41	concepts	concept	NOUN
ajbmeb-2637	19	42	;	;	PUNCT
ajbmeb-2637	19	43	availability	availability	NOUN
ajbmeb-2637	19	44	of	of	ADP
ajbmeb-2637	19	45	funds	fund	NOUN
ajbmeb-2637	19	46	in	in	ADP
ajbmeb-2637	19	47	the	the	DET
ajbmeb-2637	19	48	insurance	insurance	NOUN
ajbmeb-2637	19	49	organization	organization	NOUN
ajbmeb-2637	19	50	to	to	PART
ajbmeb-2637	19	51	pay	pay	VERB
ajbmeb-2637	19	52	insurance	insurance	NOUN
ajbmeb-2637	19	53	coverage	coverage	NOUN
ajbmeb-2637	19	54	;	;	PUNCT
ajbmeb-2637	19	55	o	o	NOUN
ajbmeb-2637	19	56	reduce	reduce	VERB
ajbmeb-2637	19	57	the	the	DET
ajbmeb-2637	19	58	number	number	NOUN
ajbmeb-2637	19	59	of	of	ADP
ajbmeb-2637	19	60	organizations	organization	NOUN
ajbmeb-2637	19	61	that	that	PRON
ajbmeb-2637	19	62	can	can	AUX
ajbmeb-2637	19	63	not	not	PART
ajbmeb-2637	19	64	participate	participate	VERB
ajbmeb-2637	19	65	in	in	ADP
ajbmeb-2637	19	66	the	the	DET
ajbmeb-2637	19	67	production	production	NOUN
ajbmeb-2637	19	68	process	process	NOUN
ajbmeb-2637	19	69	due	due	ADP
ajbmeb-2637	19	70	to	to	ADP
ajbmeb-2637	19	71	losses	loss	NOUN
ajbmeb-2637	19	72	in	in	ADP
ajbmeb-2637	19	73	the	the	DET
ajbmeb-2637	19	74	country	country	NOUN
ajbmeb-2637	19	75	's	's	PART
ajbmeb-2637	19	76	economy	economy	NOUN
ajbmeb-2637	19	77	;	;	PUNCT
ajbmeb-2637	19	78	the	the	DET
ajbmeb-2637	19	79	insurance	insurance	NOUN
ajbmeb-2637	19	80	organization	organization	NOUN
ajbmeb-2637	19	81	analyzed	analyze	VERB
ajbmeb-2637	19	82	funds	fund	NOUN
ajbmeb-2637	19	83	from	from	ADP
ajbmeb-2637	19	84	the	the	DET
ajbmeb-2637	19	85	point	point	NOUN
ajbmeb-2637	19	86	of	of	ADP
ajbmeb-2637	19	87	view	view	NOUN
ajbmeb-2637	19	88	of	of	ADP
ajbmeb-2637	19	89	using	use	VERB
ajbmeb-2637	19	90	them	they	PRON
ajbmeb-2637	19	91	in	in	ADP
ajbmeb-2637	19	92	investment	investment	NOUN
ajbmeb-2637	19	93	activities	activity	NOUN
ajbmeb-2637	19	94	.	.	PUNCT
ajbmeb-2637	20	1	m.a	m.a	PROPN
ajbmeb-2637	20	2	.	.	PROPN
ajbmeb-2637	20	3	kovalevsky	kovalevsky	PROPN
ajbmeb-2637	20	4	analyzed	analyze	VERB
ajbmeb-2637	20	5	the	the	DET
ajbmeb-2637	20	6	negative	negative	ADJ
ajbmeb-2637	20	7	consequences	consequence	NOUN
ajbmeb-2637	20	8	of	of	ADP
ajbmeb-2637	20	9	risk	risk	NOUN
ajbmeb-2637	20	10	in	in	ADP
ajbmeb-2637	20	11	his	his	PRON
ajbmeb-2637	20	12	research	research	NOUN
ajbmeb-2637	20	13	and	and	CCONJ
ajbmeb-2637	20	14	emphasized	emphasize	VERB
ajbmeb-2637	20	15	the	the	DET
ajbmeb-2637	20	16	role	role	NOUN
ajbmeb-2637	20	17	of	of	ADP
ajbmeb-2637	20	18	the	the	DET
ajbmeb-2637	20	19	insurance	insurance	NOUN
ajbmeb-2637	20	20	organization	organization	NOUN
ajbmeb-2637	20	21	in	in	ADP
ajbmeb-2637	20	22	this	this	DET
ajbmeb-2637	20	23	relationship	relationship	NOUN
ajbmeb-2637	20	24	.	.	PUNCT
ajbmeb-2637	21	1	the	the	DET
ajbmeb-2637	21	2	economist	economist	NOUN
ajbmeb-2637	21	3	proposed	propose	VERB
ajbmeb-2637	21	4	a	a	DET
ajbmeb-2637	21	5	mechanism	mechanism	NOUN
ajbmeb-2637	21	6	for	for	ADP
ajbmeb-2637	21	7	legal	legal	ADJ
ajbmeb-2637	21	8	regulation	regulation	NOUN
ajbmeb-2637	21	9	of	of	ADP
ajbmeb-2637	21	10	property	property	NOUN
ajbmeb-2637	21	11	insurance	insurance	NOUN
ajbmeb-2637	21	12	relations	relation	NOUN
ajbmeb-2637	21	13	.	.	PUNCT
ajbmeb-2637	22	1	it	it	PRON
ajbmeb-2637	22	2	should	should	AUX
ajbmeb-2637	22	3	be	be	AUX
ajbmeb-2637	22	4	noted	note	VERB
ajbmeb-2637	22	5	that	that	SCONJ
ajbmeb-2637	22	6	property	property	NOUN
ajbmeb-2637	22	7	insurance	insurance	NOUN
ajbmeb-2637	22	8	allows	allow	VERB
ajbmeb-2637	22	9	not	not	PART
ajbmeb-2637	22	10	to	to	PART
ajbmeb-2637	22	11	lose	lose	VERB
ajbmeb-2637	22	12	economic	economic	ADJ
ajbmeb-2637	22	13	activity	activity	NOUN
ajbmeb-2637	22	14	.	.	PUNCT
ajbmeb-2637	23	1	m.a	m.a	PROPN
ajbmeb-2637	23	2	.	.	PROPN
ajbmeb-2637	23	3	kovalevsky	kovalevsky	PROPN
ajbmeb-2637	23	4	said	say	VERB
ajbmeb-2637	23	5	:	:	PUNCT
ajbmeb-2637	23	6	issues	issue	NOUN
ajbmeb-2637	23	7	of	of	ADP
ajbmeb-2637	23	8	economic	economic	ADJ
ajbmeb-2637	23	9	security	security	NOUN
ajbmeb-2637	23	10	ensure	ensure	VERB
ajbmeb-2637	23	11	stable	stable	ADJ
ajbmeb-2637	23	12	growth	growth	NOUN
ajbmeb-2637	23	13	of	of	ADP
ajbmeb-2637	23	14	the	the	DET
ajbmeb-2637	23	15	economy	economy	NOUN
ajbmeb-2637	23	16	and	and	CCONJ
ajbmeb-2637	23	17	reduce	reduce	VERB
ajbmeb-2637	23	18	damage	damage	NOUN
ajbmeb-2637	23	19	caused	cause	VERB
ajbmeb-2637	23	20	by	by	ADP
ajbmeb-2637	23	21	internal	internal	ADJ
ajbmeb-2637	23	22	and	and	CCONJ
ajbmeb-2637	23	23	external	external	ADJ
ajbmeb-2637	23	24	factors	factor	NOUN
ajbmeb-2637	23	25	.	.	PUNCT
ajbmeb-2637	24	1	research	research	NOUN
ajbmeb-2637	24	2	methodology	methodology	NOUN
ajbmeb-2637	24	3	research	research	NOUN
ajbmeb-2637	24	4	methods	method	NOUN
ajbmeb-2637	24	5	such	such	ADJ
ajbmeb-2637	24	6	as	as	ADP
ajbmeb-2637	24	7	analysis	analysis	NOUN
ajbmeb-2637	24	8	,	,	PUNCT
ajbmeb-2637	24	9	synthesis	synthesis	NOUN
ajbmeb-2637	24	10	,	,	PUNCT
ajbmeb-2637	24	11	selective	selective	ADJ
ajbmeb-2637	24	12	observation	observation	NOUN
ajbmeb-2637	24	13	,	,	PUNCT
ajbmeb-2637	24	14	comparison	comparison	NOUN
ajbmeb-2637	24	15	,	,	PUNCT
ajbmeb-2637	24	16	statistical	statistical	ADJ
ajbmeb-2637	24	17	analysis	analysis	NOUN
ajbmeb-2637	24	18	,	,	PUNCT
ajbmeb-2637	24	19	induction	induction	NOUN
ajbmeb-2637	24	20	,	,	PUNCT
ajbmeb-2637	24	21	deduction	deduction	NOUN
ajbmeb-2637	24	22	of	of	ADP
ajbmeb-2637	24	23	property	property	NOUN
ajbmeb-2637	24	24	insurance	insurance	NOUN
ajbmeb-2637	24	25	relations	relation	NOUN
ajbmeb-2637	24	26	was	be	AUX
ajbmeb-2637	24	27	used	use	VERB
ajbmeb-2637	24	28	.	.	PUNCT
ajbmeb-2637	25	1	analysis	analysis	NOUN
ajbmeb-2637	25	2	and	and	CCONJ
ajbmeb-2637	25	3	results	result	NOUN
ajbmeb-2637	25	4	as	as	ADP
ajbmeb-2637	25	5	a	a	DET
ajbmeb-2637	25	6	result	result	NOUN
ajbmeb-2637	25	7	of	of	ADP
ajbmeb-2637	25	8	the	the	DET
ajbmeb-2637	25	9	protection	protection	NOUN
ajbmeb-2637	25	10	of	of	ADP
ajbmeb-2637	25	11	the	the	DET
ajbmeb-2637	25	12	property	property	NOUN
ajbmeb-2637	25	13	interests	interest	NOUN
ajbmeb-2637	25	14	of	of	ADP
ajbmeb-2637	25	15	natural	natural	ADJ
ajbmeb-2637	25	16	and	and	CCONJ
ajbmeb-2637	25	17	legal	legal	ADJ
ajbmeb-2637	25	18	entities	entity	NOUN
ajbmeb-2637	25	19	according	accord	VERB
ajbmeb-2637	25	20	to	to	ADP
ajbmeb-2637	25	21	the	the	DET
ajbmeb-2637	25	22	classification	classification	NOUN
ajbmeb-2637	25	23	of	of	ADP
ajbmeb-2637	25	24	property	property	NOUN
ajbmeb-2637	25	25	insurance	insurance	NOUN
ajbmeb-2637	25	26	,	,	PUNCT
ajbmeb-2637	25	27	insurance	insurance	NOUN
ajbmeb-2637	25	28	relations	relation	NOUN
ajbmeb-2637	25	29	are	be	AUX
ajbmeb-2637	25	30	reflected	reflect	VERB
ajbmeb-2637	25	31	.	.	PUNCT
ajbmeb-2637	26	1	this	this	DET
ajbmeb-2637	26	2	classification	classification	NOUN
ajbmeb-2637	26	3	is	be	AUX
ajbmeb-2637	26	4	presented	present	VERB
ajbmeb-2637	26	5	in	in	ADP
ajbmeb-2637	26	6	figure	figure	NOUN
ajbmeb-2637	26	7	1	1	NUM
ajbmeb-2637	26	8	.	.	PUNCT
ajbmeb-2637	27	1	figure	figure	NOUN
ajbmeb-2637	27	2	1	1	NUM
ajbmeb-2637	27	3	.	.	NUM
ajbmeb-2637	27	4	types	type	NOUN
ajbmeb-2637	27	5	of	of	ADP
ajbmeb-2637	27	6	property	property	NOUN
ajbmeb-2637	27	7	insurance	insurance	NOUN
ajbmeb-2637	27	8	american	american	PROPN
ajbmeb-2637	27	9	journal	journal	PROPN
ajbmeb-2637	27	10	of	of	ADP
ajbmeb-2637	27	11	business	business	NOUN
ajbmeb-2637	27	12	management	management	NOUN
ajbmeb-2637	27	13	,	,	PUNCT
ajbmeb-2637	27	14	economics	economic	NOUN
ajbmeb-2637	27	15	and	and	CCONJ
ajbmeb-2637	27	16	banking	banking	NOUN
ajbmeb-2637	27	17	volume	volume	NOUN
ajbmeb-2637	27	18	31	31	NUM
ajbmeb-2637	27	19	december	december	PROPN
ajbmeb-2637	27	20	2024	2024	NUM
ajbmeb-2637	27	21	p	p	NOUN
ajbmeb-2637	27	22	a	a	DET
ajbmeb-2637	27	23	g	g	NOUN
ajbmeb-2637	27	24	e	e	NOUN
ajbmeb-2637	27	25	|	|	NOUN
ajbmeb-2637	27	26	112	112	NUM
ajbmeb-2637	27	27	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2637	27	28	property	property	NOUN
ajbmeb-2637	27	29	insurance	insurance	NOUN
ajbmeb-2637	27	30	with	with	ADP
ajbmeb-2637	27	31	the	the	DET
ajbmeb-2637	27	32	nature	nature	NOUN
ajbmeb-2637	27	33	of	of	ADP
ajbmeb-2637	27	34	compensation	compensation	NOUN
ajbmeb-2637	27	35	compensates	compensate	NOUN
ajbmeb-2637	27	36	for	for	ADP
ajbmeb-2637	27	37	property	property	NOUN
ajbmeb-2637	27	38	losses	loss	NOUN
ajbmeb-2637	27	39	after	after	SCONJ
ajbmeb-2637	27	40	the	the	DET
ajbmeb-2637	27	41	insurance	insurance	NOUN
ajbmeb-2637	27	42	contract	contract	NOUN
ajbmeb-2637	27	43	is	be	AUX
ajbmeb-2637	27	44	concluded	conclude	VERB
ajbmeb-2637	27	45	and	and	CCONJ
ajbmeb-2637	27	46	at	at	ADP
ajbmeb-2637	27	47	the	the	DET
ajbmeb-2637	27	48	same	same	ADJ
ajbmeb-2637	27	49	time	time	NOUN
ajbmeb-2637	27	50	reduces	reduce	VERB
ajbmeb-2637	27	51	the	the	DET
ajbmeb-2637	27	52	level	level	NOUN
ajbmeb-2637	27	53	of	of	ADP
ajbmeb-2637	27	54	insurance	insurance	NOUN
ajbmeb-2637	27	55	risk	risk	NOUN
ajbmeb-2637	27	56	.	.	PUNCT
ajbmeb-2637	28	1	property	property	NOUN
ajbmeb-2637	28	2	interest	interest	NOUN
ajbmeb-2637	28	3	in	in	ADP
ajbmeb-2637	28	4	property	property	NOUN
ajbmeb-2637	28	5	insurance	insurance	NOUN
ajbmeb-2637	28	6	business	business	NOUN
ajbmeb-2637	28	7	processes	process	NOUN
ajbmeb-2637	28	8	is	be	AUX
ajbmeb-2637	28	9	the	the	DET
ajbmeb-2637	28	10	existence	existence	NOUN
ajbmeb-2637	28	11	of	of	ADP
ajbmeb-2637	28	12	interest	interest	NOUN
ajbmeb-2637	28	13	and	and	CCONJ
ajbmeb-2637	28	14	risk	risk	NOUN
ajbmeb-2637	28	15	that	that	PRON
ajbmeb-2637	28	16	has	have	VERB
ajbmeb-2637	28	17	value	value	NOUN
ajbmeb-2637	28	18	expression	expression	NOUN
ajbmeb-2637	28	19	.	.	PUNCT
ajbmeb-2637	29	1	therefore	therefore	ADV
ajbmeb-2637	29	2	,	,	PUNCT
ajbmeb-2637	29	3	property	property	NOUN
ajbmeb-2637	29	4	insurance	insurance	NOUN
ajbmeb-2637	29	5	is	be	AUX
ajbmeb-2637	29	6	different	different	ADJ
ajbmeb-2637	29	7	for	for	ADP
ajbmeb-2637	29	8	legal	legal	ADJ
ajbmeb-2637	29	9	entities	entity	NOUN
ajbmeb-2637	29	10	and	and	CCONJ
ajbmeb-2637	29	11	individuals	individual	NOUN
ajbmeb-2637	29	12	.	.	PUNCT
ajbmeb-2637	30	1	for	for	ADP
ajbmeb-2637	30	2	example	example	NOUN
ajbmeb-2637	30	3	,	,	PUNCT
ajbmeb-2637	30	4	individuals	individual	NOUN
ajbmeb-2637	30	5	can	can	AUX
ajbmeb-2637	30	6	insure	insure	VERB
ajbmeb-2637	30	7	their	their	PRON
ajbmeb-2637	30	8	property	property	NOUN
ajbmeb-2637	30	9	,	,	PUNCT
ajbmeb-2637	30	10	housing	housing	NOUN
ajbmeb-2637	30	11	,	,	PUNCT
ajbmeb-2637	30	12	and	and	CCONJ
ajbmeb-2637	30	13	vehicle	vehicle	NOUN
ajbmeb-2637	30	14	.	.	PUNCT
ajbmeb-2637	31	1	in	in	ADP
ajbmeb-2637	31	2	foreign	foreign	ADJ
ajbmeb-2637	31	3	literature	literature	NOUN
ajbmeb-2637	31	4	,	,	PUNCT
ajbmeb-2637	31	5	liability	liability	NOUN
ajbmeb-2637	31	6	insurance	insurance	NOUN
ajbmeb-2637	31	7	is	be	AUX
ajbmeb-2637	31	8	also	also	ADV
ajbmeb-2637	31	9	part	part	NOUN
ajbmeb-2637	31	10	of	of	ADP
ajbmeb-2637	31	11	the	the	DET
ajbmeb-2637	31	12	property	property	NOUN
ajbmeb-2637	31	13	insurance	insurance	NOUN
ajbmeb-2637	31	14	network	network	NOUN
ajbmeb-2637	31	15	,	,	PUNCT
ajbmeb-2637	31	16	because	because	SCONJ
ajbmeb-2637	31	17	liability	liability	NOUN
ajbmeb-2637	31	18	insurance	insurance	NOUN
ajbmeb-2637	31	19	provides	provide	VERB
ajbmeb-2637	31	20	for	for	ADP
ajbmeb-2637	31	21	coverage	coverage	NOUN
ajbmeb-2637	31	22	of	of	ADP
ajbmeb-2637	31	23	material	material	NOUN
ajbmeb-2637	31	24	damage	damage	NOUN
ajbmeb-2637	31	25	.	.	PUNCT
ajbmeb-2637	32	1	legal	legal	ADJ
ajbmeb-2637	32	2	entities	entity	NOUN
ajbmeb-2637	32	3	can	can	AUX
ajbmeb-2637	32	4	insure	insure	VERB
ajbmeb-2637	32	5	their	their	PRON
ajbmeb-2637	32	6	buildings	building	NOUN
ajbmeb-2637	32	7	and	and	CCONJ
ajbmeb-2637	32	8	structures	structure	NOUN
ajbmeb-2637	32	9	,	,	PUNCT
ajbmeb-2637	32	10	production	production	NOUN
ajbmeb-2637	32	11	activities	activity	NOUN
ajbmeb-2637	32	12	,	,	PUNCT
ajbmeb-2637	32	13	credit	credit	NOUN
ajbmeb-2637	32	14	risk	risk	NOUN
ajbmeb-2637	32	15	,	,	PUNCT
ajbmeb-2637	32	16	i.e.	i.e.	X
ajbmeb-2637	32	17	financial	financial	ADJ
ajbmeb-2637	32	18	risks	risk	NOUN
ajbmeb-2637	32	19	.	.	PUNCT
ajbmeb-2637	33	1	the	the	DET
ajbmeb-2637	33	2	insurance	insurance	NOUN
ajbmeb-2637	33	3	risk	risk	NOUN
ajbmeb-2637	33	4	is	be	AUX
ajbmeb-2637	33	5	the	the	DET
ajbmeb-2637	33	6	basis	basis	NOUN
ajbmeb-2637	33	7	of	of	ADP
ajbmeb-2637	33	8	the	the	DET
ajbmeb-2637	33	9	insurance	insurance	NOUN
ajbmeb-2637	33	10	contract	contract	NOUN
ajbmeb-2637	33	11	.	.	PUNCT
ajbmeb-2637	34	1	insurance	insurance	NOUN
ajbmeb-2637	34	2	risks	risk	NOUN
ajbmeb-2637	34	3	are	be	AUX
ajbmeb-2637	34	4	assessed	assess	VERB
ajbmeb-2637	34	5	according	accord	VERB
ajbmeb-2637	34	6	to	to	ADP
ajbmeb-2637	34	7	their	their	PRON
ajbmeb-2637	34	8	level	level	NOUN
ajbmeb-2637	34	9	of	of	ADP
ajbmeb-2637	34	10	riskiness	riskiness	NOUN
ajbmeb-2637	34	11	and	and	CCONJ
ajbmeb-2637	34	12	ensure	ensure	VERB
ajbmeb-2637	34	13	the	the	DET
ajbmeb-2637	34	14	regularity	regularity	NOUN
ajbmeb-2637	34	15	of	of	ADP
ajbmeb-2637	34	16	business	business	NOUN
ajbmeb-2637	34	17	processes	process	NOUN
ajbmeb-2637	34	18	.	.	PUNCT
ajbmeb-2637	35	1	losses	loss	NOUN
ajbmeb-2637	35	2	caused	cause	VERB
ajbmeb-2637	35	3	by	by	ADP
ajbmeb-2637	35	4	insurance	insurance	NOUN
ajbmeb-2637	35	5	risks	risk	NOUN
ajbmeb-2637	35	6	are	be	AUX
ajbmeb-2637	35	7	guaranteed	guarantee	VERB
ajbmeb-2637	35	8	by	by	ADP
ajbmeb-2637	35	9	insurance	insurance	NOUN
ajbmeb-2637	35	10	coverage	coverage	NOUN
ajbmeb-2637	35	11	after	after	ADP
ajbmeb-2637	35	12	the	the	DET
ajbmeb-2637	35	13	occurrence	occurrence	NOUN
ajbmeb-2637	35	14	of	of	ADP
ajbmeb-2637	35	15	an	an	DET
ajbmeb-2637	35	16	insured	insured	ADJ
ajbmeb-2637	35	17	event	event	NOUN
ajbmeb-2637	35	18	.	.	PUNCT
ajbmeb-2637	36	1	in	in	ADP
ajbmeb-2637	36	2	the	the	DET
ajbmeb-2637	36	3	following	follow	VERB
ajbmeb-2637	36	4	scheme	scheme	NOUN
ajbmeb-2637	36	5	,	,	PUNCT
ajbmeb-2637	36	6	property	property	NOUN
ajbmeb-2637	36	7	insurance	insurance	NOUN
ajbmeb-2637	36	8	risks	risk	NOUN
ajbmeb-2637	36	9	are	be	AUX
ajbmeb-2637	36	10	classified	classify	VERB
ajbmeb-2637	36	11	,	,	PUNCT
ajbmeb-2637	36	12	their	their	PRON
ajbmeb-2637	36	13	insurance	insurance	NOUN
ajbmeb-2637	36	14	contracts	contract	NOUN
ajbmeb-2637	36	15	also	also	ADV
ajbmeb-2637	36	16	vary	vary	VERB
ajbmeb-2637	36	17	according	accord	VERB
ajbmeb-2637	36	18	to	to	ADP
ajbmeb-2637	36	19	the	the	DET
ajbmeb-2637	36	20	probability	probability	NOUN
ajbmeb-2637	36	21	of	of	ADP
ajbmeb-2637	36	22	occurrence	occurrence	NOUN
ajbmeb-2637	36	23	of	of	ADP
ajbmeb-2637	36	24	risks	risk	NOUN
ajbmeb-2637	36	25	.	.	PUNCT
ajbmeb-2637	37	1	figure	figure	NOUN
ajbmeb-2637	37	2	2	2	NUM
ajbmeb-2637	37	3	.	.	PUNCT
ajbmeb-2637	37	4	property	property	NOUN
ajbmeb-2637	37	5	risk	risk	NOUN
ajbmeb-2637	37	6	classification	classification	NOUN
ajbmeb-2637	37	7	figure	figure	NOUN
ajbmeb-2637	37	8	2	2	NUM
ajbmeb-2637	37	9	shows	show	VERB
ajbmeb-2637	37	10	different	different	ADJ
ajbmeb-2637	37	11	types	type	NOUN
ajbmeb-2637	37	12	of	of	ADP
ajbmeb-2637	37	13	property	property	NOUN
ajbmeb-2637	37	14	risks	risk	NOUN
ajbmeb-2637	37	15	by	by	ADP
ajbmeb-2637	37	16	type	type	NOUN
ajbmeb-2637	37	17	of	of	ADP
ajbmeb-2637	37	18	property	property	NOUN
ajbmeb-2637	37	19	insurance	insurance	NOUN
ajbmeb-2637	37	20	,	,	PUNCT
ajbmeb-2637	37	21	risk	risk	NOUN
ajbmeb-2637	37	22	level	level	NOUN
ajbmeb-2637	37	23	,	,	PUNCT
ajbmeb-2637	37	24	cost	cost	NOUN
ajbmeb-2637	37	25	and	and	CCONJ
ajbmeb-2637	37	26	coverage	coverage	NOUN
ajbmeb-2637	37	27	amount	amount	NOUN
ajbmeb-2637	37	28	.	.	PUNCT
ajbmeb-2637	38	1	taking	take	VERB
ajbmeb-2637	38	2	into	into	ADP
ajbmeb-2637	38	3	account	account	NOUN
ajbmeb-2637	38	4	the	the	DET
ajbmeb-2637	38	5	above	above	ADJ
ajbmeb-2637	38	6	points	point	NOUN
ajbmeb-2637	38	7	,	,	PUNCT
ajbmeb-2637	38	8	it	it	PRON
ajbmeb-2637	38	9	was	be	AUX
ajbmeb-2637	38	10	justified	justify	VERB
ajbmeb-2637	38	11	that	that	SCONJ
ajbmeb-2637	38	12	the	the	DET
ajbmeb-2637	38	13	concepts	concept	NOUN
ajbmeb-2637	38	14	of	of	ADP
ajbmeb-2637	38	15	insurance	insurance	NOUN
ajbmeb-2637	38	16	benefit	benefit	NOUN
ajbmeb-2637	38	17	and	and	CCONJ
ajbmeb-2637	38	18	property	property	NOUN
ajbmeb-2637	38	19	interest	interest	NOUN
ajbmeb-2637	38	20	may	may	AUX
ajbmeb-2637	38	21	intersect	intersect	VERB
ajbmeb-2637	38	22	in	in	ADP
ajbmeb-2637	38	23	some	some	DET
ajbmeb-2637	38	24	cases	case	NOUN
ajbmeb-2637	38	25	,	,	PUNCT
ajbmeb-2637	38	26	and	and	CCONJ
ajbmeb-2637	38	27	sometimes	sometimes	ADV
ajbmeb-2637	38	28	they	they	PRON
ajbmeb-2637	38	29	may	may	AUX
ajbmeb-2637	38	30	be	be	AUX
ajbmeb-2637	38	31	separated	separate	VERB
ajbmeb-2637	38	32	from	from	ADP
ajbmeb-2637	38	33	each	each	DET
ajbmeb-2637	38	34	other	other	ADJ
ajbmeb-2637	38	35	.	.	PUNCT
ajbmeb-2637	39	1	however	however	ADV
ajbmeb-2637	39	2	,	,	PUNCT
ajbmeb-2637	39	3	not	not	PART
ajbmeb-2637	39	4	every	every	DET
ajbmeb-2637	39	5	risk	risk	NOUN
ajbmeb-2637	39	6	can	can	AUX
ajbmeb-2637	39	7	be	be	AUX
ajbmeb-2637	39	8	considered	consider	VERB
ajbmeb-2637	39	9	an	an	DET
ajbmeb-2637	39	10	insurance	insurance	NOUN
ajbmeb-2637	39	11	risk	risk	NOUN
ajbmeb-2637	39	12	,	,	PUNCT
ajbmeb-2637	39	13	for	for	ADP
ajbmeb-2637	39	14	example	example	NOUN
ajbmeb-2637	39	15	,	,	PUNCT
ajbmeb-2637	39	16	a	a	DET
ajbmeb-2637	39	17	loss	loss	NOUN
ajbmeb-2637	39	18	caused	cause	VERB
ajbmeb-2637	39	19	by	by	ADP
ajbmeb-2637	39	20	an	an	DET
ajbmeb-2637	39	21	intentional	intentional	ADJ
ajbmeb-2637	39	22	act	act	NOUN
ajbmeb-2637	39	23	is	be	AUX
ajbmeb-2637	39	24	not	not	PART
ajbmeb-2637	39	25	considered	consider	VERB
ajbmeb-2637	39	26	an	an	DET
ajbmeb-2637	39	27	insurance	insurance	NOUN
ajbmeb-2637	39	28	event	event	NOUN
ajbmeb-2637	39	29	,	,	PUNCT
ajbmeb-2637	39	30	we	we	PRON
ajbmeb-2637	39	31	can	can	AUX
ajbmeb-2637	39	32	mention	mention	VERB
ajbmeb-2637	39	33	similar	similar	ADJ
ajbmeb-2637	39	34	miles	mile	NOUN
ajbmeb-2637	39	35	,	,	PUNCT
ajbmeb-2637	39	36	for	for	ADP
ajbmeb-2637	39	37	example	example	NOUN
ajbmeb-2637	39	38	,	,	PUNCT
ajbmeb-2637	39	39	damage	damage	NOUN
ajbmeb-2637	39	40	caused	cause	VERB
ajbmeb-2637	39	41	by	by	ADP
ajbmeb-2637	39	42	gambling	gambling	NOUN
ajbmeb-2637	39	43	and	and	CCONJ
ajbmeb-2637	39	44	various	various	ADJ
ajbmeb-2637	39	45	entertainment	entertainment	NOUN
ajbmeb-2637	39	46	games	game	NOUN
ajbmeb-2637	39	47	,	,	PUNCT
ajbmeb-2637	39	48	damage	damage	NOUN
ajbmeb-2637	39	49	caused	cause	VERB
ajbmeb-2637	39	50	to	to	ADP
ajbmeb-2637	39	51	the	the	DET
ajbmeb-2637	39	52	health	health	NOUN
ajbmeb-2637	39	53	of	of	ADP
ajbmeb-2637	39	54	a	a	DET
ajbmeb-2637	39	55	child	child	NOUN
ajbmeb-2637	39	56	through	through	ADP
ajbmeb-2637	39	57	the	the	DET
ajbmeb-2637	39	58	use	use	NOUN
ajbmeb-2637	39	59	of	of	ADP
ajbmeb-2637	39	60	gadgets	gadget	NOUN
ajbmeb-2637	39	61	is	be	AUX
ajbmeb-2637	39	62	not	not	PART
ajbmeb-2637	39	63	considered	consider	VERB
ajbmeb-2637	39	64	an	an	DET
ajbmeb-2637	39	65	insurance	insurance	NOUN
ajbmeb-2637	39	66	event	event	NOUN
ajbmeb-2637	39	67	.	.	PUNCT
ajbmeb-2637	40	1	conclusion	conclusion	NOUN
ajbmeb-2637	40	2	income	income	NOUN
ajbmeb-2637	40	3	from	from	ADP
ajbmeb-2637	40	4	insurance	insurance	NOUN
ajbmeb-2637	40	5	activities	activity	NOUN
ajbmeb-2637	40	6	,	,	PUNCT
ajbmeb-2637	40	7	authorized	authorize	VERB
ajbmeb-2637	40	8	capital	capital	NOUN
ajbmeb-2637	40	9	and	and	CCONJ
ajbmeb-2637	40	10	other	other	ADJ
ajbmeb-2637	40	11	funds	fund	NOUN
ajbmeb-2637	40	12	of	of	ADP
ajbmeb-2637	40	13	the	the	DET
ajbmeb-2637	40	14	insurance	insurance	NOUN
ajbmeb-2637	40	15	organization	organization	NOUN
ajbmeb-2637	40	16	will	will	AUX
ajbmeb-2637	40	17	be	be	AUX
ajbmeb-2637	40	18	considered	consider	VERB
ajbmeb-2637	40	19	as	as	ADP
ajbmeb-2637	40	20	temporary	temporary	ADJ
ajbmeb-2637	40	21	free	free	ADJ
ajbmeb-2637	40	22	funds	fund	NOUN
ajbmeb-2637	40	23	in	in	ADP
ajbmeb-2637	40	24	the	the	DET
ajbmeb-2637	40	25	economy	economy	NOUN
ajbmeb-2637	40	26	and	and	CCONJ
ajbmeb-2637	40	27	will	will	AUX
ajbmeb-2637	40	28	be	be	AUX
ajbmeb-2637	40	29	included	include	VERB
ajbmeb-2637	40	30	as	as	ADP
ajbmeb-2637	40	31	a	a	DET
ajbmeb-2637	40	32	source	source	NOUN
ajbmeb-2637	40	33	of	of	ADP
ajbmeb-2637	40	34	investment	investment	NOUN
ajbmeb-2637	40	35	,	,	PUNCT
ajbmeb-2637	40	36	insurance	insurance	NOUN
ajbmeb-2637	40	37	organizations	organization	NOUN
ajbmeb-2637	40	38	will	will	AUX
ajbmeb-2637	40	39	be	be	AUX
ajbmeb-2637	40	40	able	able	ADJ
ajbmeb-2637	40	41	to	to	PART
ajbmeb-2637	40	42	place	place	VERB
ajbmeb-2637	40	43	their	their	PRON
ajbmeb-2637	40	44	funds	fund	NOUN
ajbmeb-2637	40	45	in	in	ADP
ajbmeb-2637	40	46	areas	area	NOUN
ajbmeb-2637	40	47	with	with	ADP
ajbmeb-2637	40	48	high	high	ADJ
ajbmeb-2637	40	49	profitability	profitability	NOUN
ajbmeb-2637	40	50	,	,	PUNCT
ajbmeb-2637	40	51	bank	bank	NOUN
ajbmeb-2637	40	52	deposits	deposit	NOUN
ajbmeb-2637	40	53	in	in	ADP
ajbmeb-2637	40	54	the	the	DET
ajbmeb-2637	40	55	event	event	NOUN
ajbmeb-2637	40	56	of	of	ADP
ajbmeb-2637	40	57	unforeseen	unforeseen	ADJ
ajbmeb-2637	40	58	damage	damage	NOUN
ajbmeb-2637	40	59	,	,	PUNCT
ajbmeb-2637	40	60	compensation	compensation	NOUN
ajbmeb-2637	40	61	of	of	ADP
ajbmeb-2637	40	62	financial	financial	ADJ
ajbmeb-2637	40	63	losses	loss	NOUN
ajbmeb-2637	40	64	is	be	AUX
ajbmeb-2637	40	65	provided	provide	VERB
ajbmeb-2637	40	66	through	through	ADP
ajbmeb-2637	40	67	the	the	DET
ajbmeb-2637	40	68	fund	fund	NOUN
ajbmeb-2637	40	69	formed	form	VERB
ajbmeb-2637	40	70	in	in	ADP
ajbmeb-2637	40	71	the	the	DET
ajbmeb-2637	40	72	insurance	insurance	NOUN
ajbmeb-2637	40	73	organization	organization	NOUN
ajbmeb-2637	40	74	.	.	PUNCT
ajbmeb-2637	41	1	in	in	ADP
ajbmeb-2637	41	2	the	the	DET
ajbmeb-2637	41	3	case	case	NOUN
ajbmeb-2637	41	4	of	of	ADP
ajbmeb-2637	41	5	property	property	NOUN
ajbmeb-2637	41	6	insurance	insurance	NOUN
ajbmeb-2637	41	7	,	,	PUNCT
ajbmeb-2637	41	8	the	the	DET
ajbmeb-2637	41	9	insured	insured	NOUN
ajbmeb-2637	41	10	may	may	AUX
ajbmeb-2637	41	11	not	not	PART
ajbmeb-2637	41	12	always	always	ADV
ajbmeb-2637	41	13	be	be	AUX
ajbmeb-2637	41	14	property	property	NOUN
ajbmeb-2637	41	15	risk	risk	NOUN
ajbmeb-2637	41	16	by	by	ADP
ajbmeb-2637	41	17	types	type	NOUN
ajbmeb-2637	41	18	of	of	ADP
ajbmeb-2637	41	19	risk	risk	NOUN
ajbmeb-2637	41	20	by	by	ADP
ajbmeb-2637	41	21	level	level	NOUN
ajbmeb-2637	41	22	of	of	ADP
ajbmeb-2637	41	23	risk	risk	NOUN
ajbmeb-2637	41	24	according	accord	VERB
ajbmeb-2637	41	25	to	to	ADP
ajbmeb-2637	41	26	the	the	DET
ajbmeb-2637	41	27	amount	amount	NOUN
ajbmeb-2637	41	28	covered	cover	VERB
ajbmeb-2637	41	29	according	accord	VERB
ajbmeb-2637	41	30	to	to	ADP
ajbmeb-2637	41	31	the	the	DET
ajbmeb-2637	41	32	form	form	NOUN
ajbmeb-2637	41	33	according	accord	VERB
ajbmeb-2637	41	34	to	to	ADP
ajbmeb-2637	41	35	the	the	DET
ajbmeb-2637	41	36	amount	amount	NOUN
ajbmeb-2637	41	37	spent	spend	VERB
ajbmeb-2637	41	38	voluntary	voluntary	ADJ
ajbmeb-2637	41	39	,	,	PUNCT
ajbmeb-2637	41	40	mandatory	mandatory	ADJ
ajbmeb-2637	41	41	for	for	ADP
ajbmeb-2637	41	42	full	full	ADJ
ajbmeb-2637	41	43	cost	cost	NOUN
ajbmeb-2637	41	44	or	or	CCONJ
ajbmeb-2637	41	45	share	share	VERB
ajbmeb-2637	41	46	on	on	ADP
ajbmeb-2637	41	47	certain	certain	ADJ
ajbmeb-2637	41	48	risks	risk	NOUN
ajbmeb-2637	41	49	moderately	moderately	ADV
ajbmeb-2637	41	50	dangerous	dangerous	ADJ
ajbmeb-2637	41	51	,	,	PUNCT
ajbmeb-2637	41	52	dangerous	dangerous	ADJ
ajbmeb-2637	41	53	natural	natural	ADJ
ajbmeb-2637	41	54	,	,	PUNCT
ajbmeb-2637	41	55	manmade	manmade	NOUN
ajbmeb-2637	41	56	,	,	PUNCT
ajbmeb-2637	41	57	random	random	ADJ
ajbmeb-2637	41	58	american	american	ADJ
ajbmeb-2637	41	59	journal	journal	PROPN
ajbmeb-2637	41	60	of	of	ADP
ajbmeb-2637	41	61	business	business	NOUN
ajbmeb-2637	41	62	management	management	NOUN
ajbmeb-2637	41	63	,	,	PUNCT
ajbmeb-2637	41	64	economics	economic	NOUN
ajbmeb-2637	41	65	and	and	CCONJ
ajbmeb-2637	41	66	banking	banking	NOUN
ajbmeb-2637	41	67	volume	volume	NOUN
ajbmeb-2637	41	68	31	31	NUM
ajbmeb-2637	41	69	december	december	PROPN
ajbmeb-2637	41	70	2024	2024	NUM
ajbmeb-2637	41	71	p	p	NOUN
ajbmeb-2637	41	72	a	a	DET
ajbmeb-2637	41	73	g	g	NOUN
ajbmeb-2637	41	74	e	e	NOUN
ajbmeb-2637	41	75	|	|	ADV
ajbmeb-2637	41	76	113	113	NUM
ajbmeb-2637	41	77	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2637	41	78	the	the	DET
ajbmeb-2637	41	79	owner	owner	NOUN
ajbmeb-2637	41	80	of	of	ADP
ajbmeb-2637	41	81	the	the	DET
ajbmeb-2637	41	82	property	property	NOUN
ajbmeb-2637	41	83	,	,	PUNCT
ajbmeb-2637	41	84	there	there	PRON
ajbmeb-2637	41	85	is	be	VERB
ajbmeb-2637	41	86	a	a	DET
ajbmeb-2637	41	87	possibility	possibility	NOUN
ajbmeb-2637	41	88	that	that	SCONJ
ajbmeb-2637	41	89	the	the	DET
ajbmeb-2637	41	90	beneficiary	beneficiary	NOUN
ajbmeb-2637	41	91	or	or	CCONJ
ajbmeb-2637	41	92	beneficiary	beneficiary	NOUN
ajbmeb-2637	41	93	of	of	ADP
ajbmeb-2637	41	94	the	the	DET
ajbmeb-2637	41	95	insurance	insurance	NOUN
ajbmeb-2637	41	96	contract	contract	NOUN
ajbmeb-2637	41	97	will	will	AUX
ajbmeb-2637	41	98	definitely	definitely	ADV
ajbmeb-2637	41	99	be	be	AUX
ajbmeb-2637	41	100	there	there	ADV
ajbmeb-2637	41	101	.	.	PUNCT
ajbmeb-2637	42	1	the	the	DET
ajbmeb-2637	42	2	main	main	ADJ
ajbmeb-2637	42	3	essence	essence	NOUN
ajbmeb-2637	42	4	of	of	ADP
ajbmeb-2637	42	5	the	the	DET
ajbmeb-2637	42	6	property	property	NOUN
ajbmeb-2637	42	7	insurance	insurance	NOUN
ajbmeb-2637	42	8	network	network	NOUN
ajbmeb-2637	42	9	is	be	AUX
ajbmeb-2637	42	10	to	to	PART
ajbmeb-2637	42	11	protect	protect	VERB
ajbmeb-2637	42	12	the	the	DET
ajbmeb-2637	42	13	property	property	NOUN
ajbmeb-2637	42	14	interests	interest	NOUN
ajbmeb-2637	42	15	of	of	ADP
ajbmeb-2637	42	16	the	the	DET
ajbmeb-2637	42	17	insured	insure	VERB
ajbmeb-2637	42	18	or	or	CCONJ
ajbmeb-2637	42	19	the	the	DET
ajbmeb-2637	42	20	beneficiary	beneficiary	NOUN
ajbmeb-2637	42	21	,	,	PUNCT
ajbmeb-2637	42	22	to	to	PART
ajbmeb-2637	42	23	identify	identify	VERB
ajbmeb-2637	42	24	risk	risk	NOUN
ajbmeb-2637	42	25	situations	situation	NOUN
ajbmeb-2637	42	26	,	,	PUNCT
ajbmeb-2637	42	27	to	to	PART
ajbmeb-2637	42	28	eliminate	eliminate	VERB
ajbmeb-2637	42	29	them	they	PRON
ajbmeb-2637	42	30	,	,	PUNCT
ajbmeb-2637	42	31	to	to	PART
ajbmeb-2637	42	32	prevent	prevent	VERB
ajbmeb-2637	42	33	situations	situation	NOUN
ajbmeb-2637	42	34	of	of	ADP
ajbmeb-2637	42	35	helplessness	helplessness	NOUN
ajbmeb-2637	42	36	in	in	ADP
ajbmeb-2637	42	37	the	the	DET
ajbmeb-2637	42	38	life	life	NOUN
ajbmeb-2637	42	39	of	of	ADP
ajbmeb-2637	42	40	the	the	DET
ajbmeb-2637	42	41	population	population	NOUN
ajbmeb-2637	42	42	and	and	CCONJ
ajbmeb-2637	42	43	risks	risk	NOUN
ajbmeb-2637	42	44	that	that	PRON
ajbmeb-2637	42	45	lead	lead	VERB
ajbmeb-2637	42	46	to	to	PART
ajbmeb-2637	42	47	need	need	VERB
ajbmeb-2637	42	48	.	.	PUNCT
ajbmeb-2637	43	1	taking	take	VERB
ajbmeb-2637	43	2	this	this	PRON
ajbmeb-2637	43	3	into	into	ADP
ajbmeb-2637	43	4	account	account	NOUN
ajbmeb-2637	43	5	,	,	PUNCT
ajbmeb-2637	43	6	property	property	NOUN
ajbmeb-2637	43	7	insurance	insurance	NOUN
ajbmeb-2637	43	8	relations	relation	NOUN
ajbmeb-2637	43	9	are	be	AUX
ajbmeb-2637	43	10	aimed	aim	VERB
ajbmeb-2637	43	11	at	at	ADP
ajbmeb-2637	43	12	protecting	protect	VERB
ajbmeb-2637	43	13	the	the	DET
ajbmeb-2637	43	14	property	property	NOUN
ajbmeb-2637	43	15	interests	interest	NOUN
ajbmeb-2637	43	16	of	of	ADP
ajbmeb-2637	43	17	legal	legal	ADJ
ajbmeb-2637	43	18	entities	entity	NOUN
ajbmeb-2637	43	19	,	,	PUNCT
ajbmeb-2637	43	20	that	that	ADV
ajbmeb-2637	43	21	is	is	ADV
ajbmeb-2637	43	22	,	,	PUNCT
ajbmeb-2637	43	23	they	they	PRON
ajbmeb-2637	43	24	are	be	AUX
ajbmeb-2637	43	25	understood	understand	VERB
ajbmeb-2637	43	26	as	as	ADP
ajbmeb-2637	43	27	one	one	NUM
ajbmeb-2637	43	28	of	of	ADP
ajbmeb-2637	43	29	the	the	DET
ajbmeb-2637	43	30	methods	method	NOUN
ajbmeb-2637	43	31	of	of	ADP
ajbmeb-2637	43	32	compensation	compensation	NOUN
ajbmeb-2637	43	33	for	for	ADP
ajbmeb-2637	43	34	damage	damage	NOUN
ajbmeb-2637	43	35	caused	cause	VERB
ajbmeb-2637	43	36	by	by	ADP
ajbmeb-2637	43	37	natural	natural	ADJ
ajbmeb-2637	43	38	disasters	disaster	NOUN
ajbmeb-2637	43	39	,	,	PUNCT
ajbmeb-2637	43	40	fire	fire	NOUN
ajbmeb-2637	43	41	and	and	CCONJ
ajbmeb-2637	43	42	other	other	ADJ
ajbmeb-2637	43	43	losses	loss	NOUN
ajbmeb-2637	43	44	and	and	CCONJ
ajbmeb-2637	43	45	unexpected	unexpected	ADJ
ajbmeb-2637	43	46	events	event	NOUN
ajbmeb-2637	43	47	,	,	PUNCT
ajbmeb-2637	43	48	and	and	CCONJ
ajbmeb-2637	43	49	protection	protection	NOUN
ajbmeb-2637	43	50	of	of	ADP
ajbmeb-2637	43	51	the	the	DET
ajbmeb-2637	43	52	property	property	NOUN
ajbmeb-2637	43	53	interests	interest	NOUN
ajbmeb-2637	43	54	of	of	ADP
ajbmeb-2637	43	55	individuals	individual	NOUN
ajbmeb-2637	43	56	.	.	PUNCT
ajbmeb-2637	44	1	by	by	ADP
ajbmeb-2637	44	2	concluding	conclude	VERB
ajbmeb-2637	44	3	an	an	DET
ajbmeb-2637	44	4	insurance	insurance	NOUN
ajbmeb-2637	44	5	contract	contract	NOUN
ajbmeb-2637	44	6	,	,	PUNCT
ajbmeb-2637	44	7	the	the	DET
ajbmeb-2637	44	8	property	property	NOUN
ajbmeb-2637	44	9	interests	interest	NOUN
ajbmeb-2637	44	10	of	of	ADP
ajbmeb-2637	44	11	legal	legal	ADJ
ajbmeb-2637	44	12	entities	entity	NOUN
ajbmeb-2637	44	13	and	and	CCONJ
ajbmeb-2637	44	14	individuals	individual	NOUN
ajbmeb-2637	44	15	are	be	AUX
ajbmeb-2637	44	16	protected	protect	VERB
ajbmeb-2637	44	17	.	.	PUNCT
ajbmeb-2637	45	1	research	research	NOUN
ajbmeb-2637	45	2	shows	show	VERB
ajbmeb-2637	45	3	that	that	SCONJ
ajbmeb-2637	45	4	protecting	protect	VERB
ajbmeb-2637	45	5	your	your	PRON
ajbmeb-2637	45	6	property	property	NOUN
ajbmeb-2637	45	7	with	with	ADP
ajbmeb-2637	45	8	insurance	insurance	NOUN
ajbmeb-2637	45	9	is	be	AUX
ajbmeb-2637	45	10	the	the	DET
ajbmeb-2637	45	11	most	most	ADV
ajbmeb-2637	45	12	effective	effective	ADJ
ajbmeb-2637	45	13	way	way	NOUN
ajbmeb-2637	45	14	to	to	PART
ajbmeb-2637	45	15	ensure	ensure	VERB
ajbmeb-2637	45	16	financial	financial	ADJ
ajbmeb-2637	45	17	stability	stability	NOUN
ajbmeb-2637	45	18	.	.	PUNCT
ajbmeb-2637	46	1	because	because	SCONJ
ajbmeb-2637	46	2	insurance	insurance	NOUN
ajbmeb-2637	46	3	not	not	PART
ajbmeb-2637	46	4	only	only	ADV
ajbmeb-2637	46	5	covers	cover	VERB
ajbmeb-2637	46	6	the	the	DET
ajbmeb-2637	46	7	damage	damage	NOUN
ajbmeb-2637	46	8	,	,	PUNCT
ajbmeb-2637	46	9	but	but	CCONJ
ajbmeb-2637	46	10	also	also	ADV
ajbmeb-2637	46	11	guarantees	guarantee	VERB
ajbmeb-2637	46	12	future	future	ADJ
ajbmeb-2637	46	13	risks	risk	NOUN
ajbmeb-2637	46	14	protection	protection	NOUN
ajbmeb-2637	46	15	of	of	ADP
ajbmeb-2637	46	16	property	property	NOUN
ajbmeb-2637	46	17	interests	interest	NOUN
ajbmeb-2637	46	18	,	,	PUNCT
ajbmeb-2637	46	19	in	in	ADP
ajbmeb-2637	46	20	most	most	ADJ
ajbmeb-2637	46	21	cases	case	NOUN
ajbmeb-2637	46	22	,	,	PUNCT
ajbmeb-2637	46	23	protects	protect	VERB
ajbmeb-2637	46	24	the	the	DET
ajbmeb-2637	46	25	life	life	NOUN
ajbmeb-2637	46	26	and	and	CCONJ
ajbmeb-2637	46	27	activity	activity	NOUN
ajbmeb-2637	46	28	of	of	ADP
ajbmeb-2637	46	29	individuals	individual	NOUN
ajbmeb-2637	46	30	and	and	CCONJ
ajbmeb-2637	46	31	legal	legal	ADJ
ajbmeb-2637	46	32	entities	entity	NOUN
ajbmeb-2637	46	33	.	.	PUNCT
ajbmeb-2637	47	1	analysis	analysis	NOUN
ajbmeb-2637	47	2	of	of	ADP
ajbmeb-2637	47	3	property	property	NOUN
ajbmeb-2637	47	4	insurance	insurance	NOUN
ajbmeb-2637	47	5	relations	relation	NOUN
ajbmeb-2637	47	6	from	from	ADP
ajbmeb-2637	47	7	the	the	DET
ajbmeb-2637	47	8	point	point	NOUN
ajbmeb-2637	47	9	of	of	ADP
ajbmeb-2637	47	10	view	view	NOUN
ajbmeb-2637	47	11	of	of	ADP
ajbmeb-2637	47	12	protection	protection	NOUN
ajbmeb-2637	47	13	of	of	ADP
ajbmeb-2637	47	14	people	people	NOUN
ajbmeb-2637	47	15	's	's	PART
ajbmeb-2637	47	16	property	property	NOUN
ajbmeb-2637	47	17	interests	interest	NOUN
ajbmeb-2637	47	18	is	be	AUX
ajbmeb-2637	47	19	represented	represent	VERB
ajbmeb-2637	47	20	by	by	ADP
ajbmeb-2637	47	21	the	the	DET
ajbmeb-2637	47	22	following	follow	VERB
ajbmeb-2637	47	23	classifications	classification	NOUN
ajbmeb-2637	47	24	:	:	PUNCT
ajbmeb-2637	47	25	the	the	DET
ajbmeb-2637	47	26	presence	presence	NOUN
ajbmeb-2637	47	27	of	of	ADP
ajbmeb-2637	47	28	risk	risk	NOUN
ajbmeb-2637	47	29	can	can	AUX
ajbmeb-2637	47	30	be	be	AUX
ajbmeb-2637	47	31	in	in	ADP
ajbmeb-2637	47	32	any	any	DET
ajbmeb-2637	47	33	situation	situation	NOUN
ajbmeb-2637	47	34	,	,	PUNCT
ajbmeb-2637	47	35	even	even	ADV
ajbmeb-2637	47	36	if	if	SCONJ
ajbmeb-2637	47	37	this	this	DET
ajbmeb-2637	47	38	risk	risk	NOUN
ajbmeb-2637	47	39	is	be	AUX
ajbmeb-2637	47	40	insured	insure	VERB
ajbmeb-2637	47	41	or	or	CCONJ
ajbmeb-2637	47	42	the	the	DET
ajbmeb-2637	47	43	object	object	NOUN
ajbmeb-2637	47	44	is	be	AUX
ajbmeb-2637	47	45	created	create	VERB
ajbmeb-2637	47	46	out	out	ADP
ajbmeb-2637	47	47	of	of	ADP
ajbmeb-2637	47	48	necessity	necessity	NOUN
ajbmeb-2637	47	49	,	,	PUNCT
ajbmeb-2637	47	50	but	but	CCONJ
ajbmeb-2637	47	51	it	it	PRON
ajbmeb-2637	47	52	is	be	AUX
ajbmeb-2637	47	53	possible	possible	ADJ
ajbmeb-2637	47	54	to	to	PART
ajbmeb-2637	47	55	prevent	prevent	VERB
ajbmeb-2637	47	56	risks	risk	NOUN
ajbmeb-2637	47	57	and	and	CCONJ
ajbmeb-2637	47	58	reduce	reduce	VERB
ajbmeb-2637	47	59	their	their	PRON
ajbmeb-2637	47	60	consequences	consequence	NOUN
ajbmeb-2637	47	61	through	through	ADP
ajbmeb-2637	47	62	insurance	insurance	NOUN
ajbmeb-2637	47	63	organizations	organization	NOUN
ajbmeb-2637	47	64	.	.	PUNCT
ajbmeb-2637	48	1	after	after	ADP
ajbmeb-2637	48	2	the	the	DET
ajbmeb-2637	48	3	conclusion	conclusion	NOUN
ajbmeb-2637	48	4	of	of	ADP
ajbmeb-2637	48	5	the	the	DET
ajbmeb-2637	48	6	insurance	insurance	NOUN
ajbmeb-2637	48	7	contract	contract	NOUN
ajbmeb-2637	48	8	,	,	PUNCT
ajbmeb-2637	48	9	the	the	DET
ajbmeb-2637	48	10	guarantee	guarantee	NOUN
ajbmeb-2637	48	11	is	be	AUX
ajbmeb-2637	48	12	provided	provide	VERB
ajbmeb-2637	48	13	for	for	ADP
ajbmeb-2637	48	14	the	the	DET
ajbmeb-2637	48	15	policyholder	policyholder	NOUN
ajbmeb-2637	48	16	,	,	PUNCT
ajbmeb-2637	48	17	and	and	CCONJ
ajbmeb-2637	48	18	for	for	ADP
ajbmeb-2637	48	19	the	the	DET
ajbmeb-2637	48	20	insurance	insurance	NOUN
ajbmeb-2637	48	21	organization	organization	NOUN
ajbmeb-2637	48	22	,	,	PUNCT
ajbmeb-2637	48	23	it	it	PRON
ajbmeb-2637	48	24	becomes	become	VERB
ajbmeb-2637	48	25	clear	clear	ADJ
ajbmeb-2637	48	26	that	that	SCONJ
ajbmeb-2637	48	27	there	there	PRON
ajbmeb-2637	48	28	may	may	AUX
ajbmeb-2637	48	29	be	be	AUX
ajbmeb-2637	48	30	losses	loss	NOUN
ajbmeb-2637	48	31	due	due	ADJ
ajbmeb-2637	48	32	to	to	ADP
ajbmeb-2637	48	33	possible	possible	ADJ
ajbmeb-2637	48	34	damage	damage	NOUN
ajbmeb-2637	48	35	.	.	PUNCT
ajbmeb-2637	49	1	for	for	ADP
ajbmeb-2637	49	2	interested	interested	ADJ
ajbmeb-2637	49	3	parties	party	NOUN
ajbmeb-2637	49	4	,	,	PUNCT
ajbmeb-2637	49	5	this	this	DET
ajbmeb-2637	49	6	situation	situation	NOUN
ajbmeb-2637	49	7	allows	allow	VERB
ajbmeb-2637	49	8	to	to	PART
ajbmeb-2637	49	9	know	know	VERB
ajbmeb-2637	49	10	the	the	DET
ajbmeb-2637	49	11	outcome	outcome	NOUN
ajbmeb-2637	49	12	through	through	ADP
ajbmeb-2637	49	13	forecasting	forecasting	NOUN
ajbmeb-2637	49	14	.	.	PUNCT
ajbmeb-2637	50	1	for	for	ADP
ajbmeb-2637	50	2	example	example	NOUN
ajbmeb-2637	50	3	,	,	PUNCT
ajbmeb-2637	50	4	how	how	SCONJ
ajbmeb-2637	50	5	the	the	DET
ajbmeb-2637	50	6	terrorist	terrorist	ADJ
ajbmeb-2637	50	7	situation	situation	NOUN
ajbmeb-2637	50	8	in	in	ADP
ajbmeb-2637	50	9	the	the	DET
ajbmeb-2637	50	10	usa	usa	PROPN
ajbmeb-2637	50	11	affected	affect	VERB
ajbmeb-2637	50	12	the	the	DET
ajbmeb-2637	50	13	insurance	insurance	NOUN
ajbmeb-2637	50	14	organizations	organization	NOUN
ajbmeb-2637	50	15	of	of	ADP
ajbmeb-2637	50	16	england	england	PROPN
ajbmeb-2637	50	17	.	.	PUNCT
ajbmeb-2637	51	1	it	it	PRON
ajbmeb-2637	51	2	is	be	AUX
ajbmeb-2637	51	3	not	not	PART
ajbmeb-2637	51	4	difficult	difficult	ADJ
ajbmeb-2637	51	5	to	to	PART
ajbmeb-2637	51	6	determine	determine	VERB
ajbmeb-2637	51	7	this	this	PRON
ajbmeb-2637	51	8	,	,	PUNCT
ajbmeb-2637	51	9	because	because	SCONJ
ajbmeb-2637	51	10	in	in	ADP
ajbmeb-2637	51	11	the	the	DET
ajbmeb-2637	51	12	conditions	condition	NOUN
ajbmeb-2637	51	13	of	of	ADP
ajbmeb-2637	51	14	globalization	globalization	NOUN
ajbmeb-2637	51	15	,	,	PUNCT
ajbmeb-2637	51	16	such	such	DET
ajbmeb-2637	51	17	a	a	DET
ajbmeb-2637	51	18	situation	situation	NOUN
ajbmeb-2637	51	19	is	be	AUX
ajbmeb-2637	51	20	not	not	PART
ajbmeb-2637	51	21	an	an	DET
ajbmeb-2637	51	22	exception	exception	NOUN
ajbmeb-2637	51	23	.	.	PUNCT
ajbmeb-2637	52	1	the	the	DET
ajbmeb-2637	52	2	presence	presence	NOUN
ajbmeb-2637	52	3	of	of	ADP
ajbmeb-2637	52	4	risk	risk	NOUN
ajbmeb-2637	52	5	motivates	motivate	VERB
ajbmeb-2637	52	6	interested	interested	ADJ
ajbmeb-2637	52	7	parties	party	NOUN
ajbmeb-2637	52	8	to	to	PART
ajbmeb-2637	52	9	enter	enter	VERB
ajbmeb-2637	52	10	into	into	ADP
ajbmeb-2637	52	11	insurance	insurance	NOUN
ajbmeb-2637	52	12	contracts	contract	NOUN
ajbmeb-2637	52	13	for	for	ADP
ajbmeb-2637	52	14	their	their	PRON
ajbmeb-2637	52	15	own	own	ADJ
ajbmeb-2637	52	16	benefit	benefit	NOUN
ajbmeb-2637	52	17	;	;	PUNCT
ajbmeb-2637	52	18	we	we	PRON
ajbmeb-2637	52	19	can	can	AUX
ajbmeb-2637	52	20	consider	consider	VERB
ajbmeb-2637	52	21	the	the	DET
ajbmeb-2637	52	22	situations	situation	NOUN
ajbmeb-2637	52	23	that	that	PRON
ajbmeb-2637	52	24	occur	occur	VERB
ajbmeb-2637	52	25	in	in	ADP
ajbmeb-2637	52	26	life	life	NOUN
ajbmeb-2637	52	27	,	,	PUNCT
ajbmeb-2637	52	28	the	the	DET
ajbmeb-2637	52	29	driver	driver	NOUN
ajbmeb-2637	52	30	caused	cause	VERB
ajbmeb-2637	52	31	damage	damage	NOUN
ajbmeb-2637	52	32	to	to	ADP
ajbmeb-2637	52	33	a	a	DET
ajbmeb-2637	52	34	third	third	ADJ
ajbmeb-2637	52	35	party	party	NOUN
ajbmeb-2637	52	36	due	due	ADP
ajbmeb-2637	52	37	to	to	ADP
ajbmeb-2637	52	38	a	a	DET
ajbmeb-2637	52	39	traffic	traffic	NOUN
ajbmeb-2637	52	40	accident	accident	NOUN
ajbmeb-2637	52	41	,	,	PUNCT
ajbmeb-2637	52	42	the	the	DET
ajbmeb-2637	52	43	amount	amount	NOUN
ajbmeb-2637	52	44	of	of	ADP
ajbmeb-2637	52	45	damage	damage	NOUN
ajbmeb-2637	52	46	can	can	AUX
ajbmeb-2637	52	47	be	be	AUX
ajbmeb-2637	52	48	a	a	DET
ajbmeb-2637	52	49	large	large	ADJ
ajbmeb-2637	52	50	amount	amount	NOUN
ajbmeb-2637	52	51	for	for	ADP
ajbmeb-2637	52	52	the	the	DET
ajbmeb-2637	52	53	driver	driver	NOUN
ajbmeb-2637	52	54	during	during	ADP
ajbmeb-2637	52	55	this	this	DET
ajbmeb-2637	52	56	period	period	NOUN
ajbmeb-2637	52	57	,	,	PUNCT
ajbmeb-2637	52	58	the	the	DET
ajbmeb-2637	52	59	driver	driver	NOUN
ajbmeb-2637	52	60	may	may	AUX
ajbmeb-2637	52	61	run	run	VERB
ajbmeb-2637	52	62	away	away	ADV
ajbmeb-2637	52	63	from	from	ADP
ajbmeb-2637	52	64	the	the	DET
ajbmeb-2637	52	65	place	place	NOUN
ajbmeb-2637	52	66	of	of	ADP
ajbmeb-2637	52	67	the	the	DET
ajbmeb-2637	52	68	traffic	traffic	NOUN
ajbmeb-2637	52	69	accident	accident	NOUN
ajbmeb-2637	52	70	,	,	PUNCT
ajbmeb-2637	52	71	so	so	SCONJ
ajbmeb-2637	52	72	we	we	PRON
ajbmeb-2637	52	73	can	can	AUX
ajbmeb-2637	52	74	cite	cite	VERB
ajbmeb-2637	52	75	many	many	ADJ
ajbmeb-2637	52	76	such	such	ADJ
ajbmeb-2637	52	77	situations	situation	NOUN
ajbmeb-2637	52	78	.	.	PUNCT
ajbmeb-2637	53	1	the	the	DET
ajbmeb-2637	53	2	essence	essence	NOUN
ajbmeb-2637	53	3	of	of	ADP
ajbmeb-2637	53	4	third	third	ADJ
ajbmeb-2637	53	5	-	-	PUNCT
ajbmeb-2637	53	6	party	party	NOUN
ajbmeb-2637	53	7	liability	liability	NOUN
ajbmeb-2637	53	8	insurance	insurance	NOUN
ajbmeb-2637	53	9	is	be	AUX
ajbmeb-2637	53	10	that	that	SCONJ
ajbmeb-2637	53	11	in	in	ADP
ajbmeb-2637	53	12	such	such	DET
ajbmeb-2637	53	13	a	a	DET
ajbmeb-2637	53	14	case	case	NOUN
ajbmeb-2637	53	15	,	,	PUNCT
ajbmeb-2637	53	16	the	the	DET
ajbmeb-2637	53	17	victim	victim	NOUN
ajbmeb-2637	53	18	becomes	become	VERB
ajbmeb-2637	53	19	the	the	DET
ajbmeb-2637	53	20	beneficiary	beneficiary	NOUN
ajbmeb-2637	53	21	,	,	PUNCT
ajbmeb-2637	53	22	because	because	SCONJ
ajbmeb-2637	53	23	the	the	DET
ajbmeb-2637	53	24	type	type	NOUN
ajbmeb-2637	53	25	of	of	ADP
ajbmeb-2637	53	26	insurance	insurance	NOUN
ajbmeb-2637	53	27	is	be	AUX
ajbmeb-2637	53	28	guaranteed	guarantee	VERB
ajbmeb-2637	53	29	by	by	ADP
ajbmeb-2637	53	30	the	the	DET
ajbmeb-2637	53	31	state	state	NOUN
ajbmeb-2637	53	32	due	due	ADP
ajbmeb-2637	53	33	to	to	ADP
ajbmeb-2637	53	34	the	the	DET
ajbmeb-2637	53	35	fact	fact	NOUN
ajbmeb-2637	53	36	that	that	SCONJ
ajbmeb-2637	53	37	it	it	PRON
ajbmeb-2637	53	38	is	be	AUX
ajbmeb-2637	53	39	mandatory	mandatory	ADJ
ajbmeb-2637	53	40	,	,	PUNCT
ajbmeb-2637	53	41	even	even	ADV
ajbmeb-2637	53	42	if	if	SCONJ
ajbmeb-2637	53	43	the	the	DET
ajbmeb-2637	53	44	identity	identity	NOUN
ajbmeb-2637	53	45	of	of	ADP
ajbmeb-2637	53	46	the	the	DET
ajbmeb-2637	53	47	driver	driver	NOUN
ajbmeb-2637	53	48	is	be	AUX
ajbmeb-2637	53	49	uncertain	uncertain	ADJ
ajbmeb-2637	53	50	,	,	PUNCT
ajbmeb-2637	53	51	the	the	DET
ajbmeb-2637	53	52	existence	existence	NOUN
ajbmeb-2637	53	53	of	of	ADP
ajbmeb-2637	53	54	an	an	DET
ajbmeb-2637	53	55	insurance	insurance	NOUN
ajbmeb-2637	53	56	policy	policy	NOUN
ajbmeb-2637	53	57	ensures	ensure	VERB
ajbmeb-2637	53	58	the	the	DET
ajbmeb-2637	53	59	driver	driver	NOUN
ajbmeb-2637	53	60	's	's	PART
ajbmeb-2637	53	61	responsibility	responsibility	NOUN
ajbmeb-2637	53	62	to	to	ADP
ajbmeb-2637	53	63	the	the	DET
ajbmeb-2637	53	64	victim	victim	NOUN
ajbmeb-2637	53	65	and	and	CCONJ
ajbmeb-2637	53	66	satisfies	satisfy	VERB
ajbmeb-2637	53	67	his	his	PRON
ajbmeb-2637	53	68	needs	need	NOUN
ajbmeb-2637	53	69	.	.	PUNCT
ajbmeb-2637	53	70	.	.	PUNCT
ajbmeb-2637	54	1	not	not	PART
ajbmeb-2637	54	2	being	be	AUX
ajbmeb-2637	54	3	able	able	ADJ
ajbmeb-2637	54	4	to	to	PART
ajbmeb-2637	54	5	afford	afford	VERB
ajbmeb-2637	54	6	the	the	DET
ajbmeb-2637	54	7	victim	victim	NOUN
ajbmeb-2637	54	8	's	's	PART
ajbmeb-2637	54	9	insurance	insurance	NOUN
ajbmeb-2637	54	10	coverage	coverage	NOUN
ajbmeb-2637	54	11	for	for	ADP
ajbmeb-2637	54	12	the	the	DET
ajbmeb-2637	54	13	driver	driver	NOUN
ajbmeb-2637	54	14	means	mean	VERB
ajbmeb-2637	54	15	that	that	SCONJ
ajbmeb-2637	54	16	the	the	DET
ajbmeb-2637	54	17	victim	victim	NOUN
ajbmeb-2637	54	18	is	be	AUX
ajbmeb-2637	54	19	not	not	PART
ajbmeb-2637	54	20	covered	cover	VERB
ajbmeb-2637	54	21	.	.	PUNCT
ajbmeb-2637	55	1	such	such	ADJ
ajbmeb-2637	55	2	situations	situation	NOUN
ajbmeb-2637	55	3	are	be	AUX
ajbmeb-2637	55	4	eliminated	eliminate	VERB
ajbmeb-2637	55	5	through	through	ADP
ajbmeb-2637	55	6	the	the	DET
ajbmeb-2637	55	7	insurance	insurance	NOUN
ajbmeb-2637	55	8	policy	policy	NOUN
ajbmeb-2637	55	9	.	.	PUNCT
ajbmeb-2637	56	1	thus	thus	ADV
ajbmeb-2637	56	2	,	,	PUNCT
ajbmeb-2637	56	3	after	after	ADP
ajbmeb-2637	56	4	the	the	DET
ajbmeb-2637	56	5	conclusion	conclusion	NOUN
ajbmeb-2637	56	6	of	of	ADP
ajbmeb-2637	56	7	the	the	DET
ajbmeb-2637	56	8	insurance	insurance	NOUN
ajbmeb-2637	56	9	contract	contract	NOUN
ajbmeb-2637	56	10	,	,	PUNCT
ajbmeb-2637	56	11	the	the	DET
ajbmeb-2637	56	12	insurance	insurance	NOUN
ajbmeb-2637	56	13	organization	organization	NOUN
ajbmeb-2637	56	14	undertakes	undertake	VERB
ajbmeb-2637	56	15	the	the	DET
ajbmeb-2637	56	16	risks	risk	NOUN
ajbmeb-2637	56	17	of	of	ADP
ajbmeb-2637	56	18	the	the	DET
ajbmeb-2637	56	19	insured	insure	VERB
ajbmeb-2637	56	20	and	and	CCONJ
ajbmeb-2637	56	21	guarantees	guarantee	VERB
ajbmeb-2637	56	22	the	the	DET
ajbmeb-2637	56	23	property	property	NOUN
ajbmeb-2637	56	24	interests	interest	NOUN
ajbmeb-2637	56	25	of	of	ADP
ajbmeb-2637	56	26	the	the	DET
ajbmeb-2637	56	27	beneficiary	beneficiary	NOUN
ajbmeb-2637	56	28	.	.	PUNCT
ajbmeb-2637	57	1	it	it	PRON
ajbmeb-2637	57	2	should	should	AUX
ajbmeb-2637	57	3	be	be	AUX
ajbmeb-2637	57	4	noted	note	VERB
ajbmeb-2637	57	5	that	that	SCONJ
ajbmeb-2637	57	6	the	the	DET
ajbmeb-2637	57	7	amount	amount	NOUN
ajbmeb-2637	57	8	of	of	ADP
ajbmeb-2637	57	9	insurance	insurance	NOUN
ajbmeb-2637	57	10	premiums	premium	NOUN
ajbmeb-2637	57	11	of	of	ADP
ajbmeb-2637	57	12	insurance	insurance	NOUN
ajbmeb-2637	57	13	contracts	contract	NOUN
ajbmeb-2637	57	14	in	in	ADP
ajbmeb-2637	57	15	property	property	NOUN
ajbmeb-2637	57	16	insurance	insurance	NOUN
ajbmeb-2637	57	17	will	will	AUX
ajbmeb-2637	57	18	not	not	PART
ajbmeb-2637	57	19	be	be	AUX
ajbmeb-2637	57	20	large	large	ADJ
ajbmeb-2637	57	21	.	.	PUNCT
ajbmeb-2637	58	1	in	in	ADP
ajbmeb-2637	58	2	the	the	DET
ajbmeb-2637	58	3	event	event	NOUN
ajbmeb-2637	58	4	of	of	ADP
ajbmeb-2637	58	5	an	an	DET
ajbmeb-2637	58	6	insurance	insurance	NOUN
ajbmeb-2637	58	7	event	event	NOUN
ajbmeb-2637	58	8	,	,	PUNCT
ajbmeb-2637	58	9	the	the	DET
ajbmeb-2637	58	10	insurance	insurance	NOUN
ajbmeb-2637	58	11	amount	amount	NOUN
ajbmeb-2637	58	12	is	be	AUX
ajbmeb-2637	58	13	several	several	ADJ
ajbmeb-2637	58	14	or	or	CCONJ
ajbmeb-2637	58	15	even	even	ADV
ajbmeb-2637	58	16	more	more	ADJ
ajbmeb-2637	58	17	than	than	ADP
ajbmeb-2637	58	18	the	the	DET
ajbmeb-2637	58	19	insurance	insurance	NOUN
ajbmeb-2637	58	20	premium	premium	NOUN
ajbmeb-2637	58	21	.	.	PUNCT
ajbmeb-2637	59	1	the	the	DET
ajbmeb-2637	59	2	existence	existence	NOUN
ajbmeb-2637	59	3	of	of	ADP
ajbmeb-2637	59	4	insurance	insurance	NOUN
ajbmeb-2637	59	5	relations	relation	NOUN
ajbmeb-2637	59	6	is	be	AUX
ajbmeb-2637	59	7	not	not	PART
ajbmeb-2637	59	8	only	only	ADV
ajbmeb-2637	59	9	of	of	ADP
ajbmeb-2637	59	10	interest	interest	NOUN
ajbmeb-2637	59	11	to	to	PART
ajbmeb-2637	59	12	subacres	subacre	NOUN
ajbmeb-2637	59	13	with	with	ADP
ajbmeb-2637	59	14	a	a	DET
ajbmeb-2637	59	15	high	high	ADJ
ajbmeb-2637	59	16	level	level	NOUN
ajbmeb-2637	59	17	of	of	ADP
ajbmeb-2637	59	18	risk	risk	NOUN
ajbmeb-2637	59	19	,	,	PUNCT
ajbmeb-2637	59	20	but	but	CCONJ
ajbmeb-2637	59	21	is	be	AUX
ajbmeb-2637	59	22	considered	consider	VERB
ajbmeb-2637	59	23	important	important	ADJ
ajbmeb-2637	59	24	for	for	ADP
ajbmeb-2637	59	25	the	the	DET
ajbmeb-2637	59	26	whole	whole	ADJ
ajbmeb-2637	59	27	society	society	NOUN
ajbmeb-2637	59	28	.	.	PUNCT
ajbmeb-2637	60	1	american	american	PROPN
ajbmeb-2637	60	2	journal	journal	PROPN
ajbmeb-2637	60	3	of	of	ADP
ajbmeb-2637	60	4	business	business	NOUN
ajbmeb-2637	60	5	management	management	NOUN
ajbmeb-2637	60	6	,	,	PUNCT
ajbmeb-2637	60	7	economics	economic	NOUN
ajbmeb-2637	60	8	and	and	CCONJ
ajbmeb-2637	60	9	banking	banking	NOUN
ajbmeb-2637	60	10	volume	volume	NOUN
ajbmeb-2637	60	11	31	31	NUM
ajbmeb-2637	60	12	december	december	PROPN
ajbmeb-2637	60	13	2024	2024	NUM
ajbmeb-2637	60	14	p	p	NOUN
ajbmeb-2637	60	15	a	a	DET
ajbmeb-2637	60	16	g	g	NOUN
ajbmeb-2637	60	17	e	e	NOUN
ajbmeb-2637	60	18	|	|	ADV
ajbmeb-2637	60	19	114	114	NUM
ajbmeb-2637	60	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2637	60	21	references	reference	NOUN
ajbmeb-2637	60	22	1	1	NUM
ajbmeb-2637	60	23	.	.	PUNCT
ajbmeb-2637	60	24	и.ғ.кeнжaeв	и.ғ.кeнжaeв	NOUN
ajbmeb-2637	60	25	,	,	PUNCT
ajbmeb-2637	60	26	«	«	PUNCT
ajbmeb-2637	60	27	суғуртa	суғуртa	ADJ
ajbmeb-2637	60	28	тaшкилoтлaрининг	тaшкилoтлaрининг	PROPN
ajbmeb-2637	60	29	мoлиявий	мoлиявий	NOUN
ajbmeb-2637	60	30	рeсурслaрини	рeсурслaрини	NOUN
ajbmeb-2637	60	31	жoйлaштириш	жoйлaштириш	ADJ
ajbmeb-2637	60	32	сaмaрaдoрлигини	сaмaрaдoрлигини	NOUN
ajbmeb-2637	60	33	oшириш	oшириш	VERB
ajbmeb-2637	60	34	йўллaри	йўллaри	PROPN
ajbmeb-2637	60	35	.	.	PUNCT
ajbmeb-2637	61	1	»	»	PUNCT
ajbmeb-2637	62	1	иқтисoдиёт	иқтисoдиёт	ADJ
ajbmeb-2637	62	2	фaнлaри	фaнлaри	NOUN
ajbmeb-2637	62	3	бўйичa	бўйичa	VERB
ajbmeb-2637	62	4	phd	phd	NOUN
ajbmeb-2637	62	5	илмий	илмий	NOUN
ajbmeb-2637	62	6	дaрaжaсини	дaрaжaсини	PROPN
ajbmeb-2637	62	7	oлиш	oлиш	PROPN
ajbmeb-2637	62	8	учун	учун	PROPN
ajbmeb-2637	62	9	ёзилгaн	ёзилгaн	PROPN
ajbmeb-2637	62	10	диссeртaция	диссeртaция	VERB
ajbmeb-2637	62	11	aвтoрeфeрaти	aвтoрeфeрaти	ADV
ajbmeb-2637	62	12	.	.	PUNCT
ajbmeb-2637	63	1	т	т	X
ajbmeb-2637	63	2	.	.	PUNCT
ajbmeb-2637	63	3	:	:	PUNCT
ajbmeb-2637	64	1	тми	тми	PROPN
ajbmeb-2637	64	2	,	,	PUNCT
ajbmeb-2637	64	3	2019	2019	NUM
ajbmeb-2637	64	4	.	.	PUNCT
ajbmeb-2637	65	1	26	26	NUM
ajbmeb-2637	65	2	б	б	NOUN
ajbmeb-2637	65	3	.	.	NOUN
ajbmeb-2637	65	4	2	2	NUM
ajbmeb-2637	65	5	.	.	X
ajbmeb-2637	65	6	х.м.шeннaeв	х.м.шeннaeв	NOUN
ajbmeb-2637	65	7	,	,	PUNCT
ajbmeb-2637	65	8	«	«	PUNCT
ajbmeb-2637	65	9	прoблeмы	прoблeмы	PROPN
ajbmeb-2637	65	10	стaнoвлeния	стaнoвлeния	PROPN
ajbmeb-2637	65	11	стрaхoвoгo	стрaхoвoгo	PROPN
ajbmeb-2637	65	12	рынкa	рынкa	PROPN
ajbmeb-2637	65	13	в	в	PROPN
ajbmeb-2637	65	14	узбeкистaнe	узбeкистaнe	PROPN
ajbmeb-2637	65	15	»	»	PUNCT
ajbmeb-2637	65	16	aвтoрeфeрaт	aвтoрeфeрaт	PROPN
ajbmeb-2637	65	17	диссeртaции	диссeртaции	VERB
ajbmeb-2637	65	18	нa	нa	NOUN
ajbmeb-2637	65	19	сoискaниe	сoискaниe	NOUN
ajbmeb-2637	65	20	учeнoй	учeнoй	PROPN
ajbmeb-2637	65	21	стeпeни	стeпeни	PROPN
ajbmeb-2637	65	22	к.э.н	к.э.н	PROPN
ajbmeb-2637	65	23	.	.	PROPN
ajbmeb-2637	66	1	м	м	X
ajbmeb-2637	66	2	.	.	PUNCT
ajbmeb-2637	66	3	:	:	PUNCT
ajbmeb-2637	67	1	1996	1996	NUM
ajbmeb-2637	67	2	.	.	PUNCT
ajbmeb-2637	68	1	3	3	X
ajbmeb-2637	68	2	.	.	NUM
ajbmeb-2637	68	3	шaхoв	шaхoв	ADJ
ajbmeb-2637	68	4	в.в.стрaхoвaниe	в.в.стрaхoвaниe	NOUN
ajbmeb-2637	68	5	:	:	PUNCT
ajbmeb-2637	68	6	учeбник	учeбник	VERB
ajbmeb-2637	68	7	для	для	PROPN
ajbmeb-2637	68	8	вузoв.–м	вузoв.–м	PROPN
ajbmeb-2637	68	9	.	.	PUNCT
ajbmeb-2637	69	1	юнити,2001.–311	юнити,2001.–311	PRON
ajbmeb-2637	69	2	б	б	NOUN
ajbmeb-2637	69	3	.	.	PROPN
ajbmeb-2637	69	4	4	4	NUM
ajbmeb-2637	69	5	.	.	NUM
ajbmeb-2637	69	6	шихoв	шихoв	PROPN
ajbmeb-2637	69	7	a.к	a.к	PROPN
ajbmeb-2637	69	8	.	.	PROPN
ajbmeb-2637	69	9	стрaхoвaниe	стрaхoвaниe	PROPN
ajbmeb-2637	69	10	:	:	PUNCT
ajbmeb-2637	70	1	учeб	учeб	PROPN
ajbmeb-2637	70	2	.	.	PUNCT
ajbmeb-2637	71	1	пoсoбиe	пoсoбиe	PROPN
ajbmeb-2637	71	2	для	для	PROPN
ajbmeb-2637	71	3	студeнтoв	студeнтoв	PROPN
ajbmeb-2637	71	4	вузoв	вузoв	PROPN
ajbmeb-2637	71	5	.	.	PUNCT
ajbmeb-2637	72	1	м	м	X
ajbmeb-2637	72	2	.	.	PUNCT
ajbmeb-2637	72	3	:	:	PUNCT
ajbmeb-2637	72	4	юнити	юнити	NOUN
ajbmeb-2637	72	5	,	,	PUNCT
ajbmeb-2637	72	6	2000	2000	NUM
ajbmeb-2637	72	7	.	.	PUNCT
ajbmeb-2637	73	1	431	431	NUM
ajbmeb-2637	73	2	с	с	NOUN
ajbmeb-2637	73	3	.	.	PROPN
ajbmeb-2637	73	4	5	5	NUM
ajbmeb-2637	73	5	.	.	NUM
ajbmeb-2637	73	6	юлдaшeв	юлдaшeв	PROPN
ajbmeb-2637	73	7	р.т	р.т	PROPN
ajbmeb-2637	73	8	.	.	PROPN
ajbmeb-2637	73	9	oчeрки	oчeрки	PROPN
ajbmeb-2637	73	10	тeoрии	тeoрии	PROPN
ajbmeb-2637	73	11	стрaхoвaния	стрaхoвaния	PROPN
ajbmeb-2637	73	12	.	.	PUNCT
ajbmeb-2637	74	1	рeтрoспeктивный	рeтрoспeктивный	NOUN
ajbmeb-2637	74	2	aнaлиз	aнaлиз	PROPN
ajbmeb-2637	74	3	рaзвития./р.т.юлдaшeв	рaзвития./р.т.юлдaшeв	PROPN
ajbmeb-2637	74	4	.	.	PROPN
ajbmeb-2637	74	5	–	–	PUNCT
ajbmeb-2637	75	1	м	м	X
ajbmeb-2637	75	2	.	.	PUNCT
ajbmeb-2637	75	3	:	:	PUNCT
ajbmeb-2637	76	1	aнкил	aнкил	PROPN
ajbmeb-2637	76	2	,	,	PUNCT
ajbmeb-2637	76	3	2009	2009	NUM
ajbmeb-2637	76	4	.	.	PUNCT
ajbmeb-2637	76	5	–	–	PUNCT
ajbmeb-2637	76	6	248	248	NUM
ajbmeb-2637	76	7	с	с	NOUN
ajbmeb-2637	76	8	.	.	PROPN
ajbmeb-2637	77	1	6	6	NUM
ajbmeb-2637	77	2	.	.	X
ajbmeb-2637	77	3	астанакулов	астанакулов	PROPN
ajbmeb-2637	77	4	о.т	о.т	PROPN
ajbmeb-2637	77	5	.	.	PROPN
ajbmeb-2637	78	1	ислом	ислом	ADJ
ajbmeb-2637	78	2	молияси	молияси	PROPN
ajbmeb-2637	78	3	асослари	асослари	PROPN
ajbmeb-2637	78	4	:	:	PUNCT
ajbmeb-2637	78	5	тараққиёт	тараққиёт	ADJ
ajbmeb-2637	78	6	босқичлари	босқичлари	NOUN
ajbmeb-2637	78	7	,	,	PUNCT
ajbmeb-2637	78	8	истиқболлари	истиқболлари	NOUN
ajbmeb-2637	78	9	“	"	PUNCT
ajbmeb-2637	78	10	iqtisodiyot	iqtisodiyot	ADJ
ajbmeb-2637	78	11	va	va	PROPN
ajbmeb-2637	78	12	innovatsion	innovatsion	NOUN
ajbmeb-2637	78	13	texnologiyalar	texnologiyalar	NOUN
ajbmeb-2637	78	14	”	"	PUNCT
ajbmeb-2637	78	15	ilmiy	ilmiy	NOUN
ajbmeb-2637	78	16	elektron	elektron	PROPN
ajbmeb-2637	78	17	jurnali	jurnali	PROPN
ajbmeb-2637	78	18	.	.	PUNCT
ajbmeb-2637	79	1	№	№	ADV
ajbmeb-2637	79	2	5	5	NUM
ajbmeb-2637	79	3	,	,	PUNCT
ajbmeb-2637	79	4	sentyabr	sentyabr	NOUN
ajbmeb-2637	79	5	-	-	PUNCT
ajbmeb-2637	79	6	oktyabr	oktyabr	NOUN
ajbmeb-2637	79	7	,	,	PUNCT
ajbmeb-2637	79	8	2021	2021	NUM
ajbmeb-2637	79	9	yil	yil	X
ajbmeb-2637	79	10	.	.	PROPN
ajbmeb-2637	79	11	7	7	NUM
ajbmeb-2637	79	12	.	.	X
ajbmeb-2637	79	13	thoyts	thoyts	PROPN
ajbmeb-2637	79	14	r.	r.	PROPN
ajbmeb-2637	79	15	insurance	insurance	PROPN
ajbmeb-2637	79	16	theory	theory	NOUN
ajbmeb-2637	79	17	and	and	CCONJ
ajbmeb-2637	79	18	practice	practice	NOUN
ajbmeb-2637	79	19	/	/	SYM
ajbmeb-2637	79	20	r.	r.	PROPN
ajbmeb-2637	79	21	thoyts	thoyts	PROPN
ajbmeb-2637	79	22	.	.	PROPN
ajbmeb-2637	79	23	2010	2010	NUM
ajbmeb-2637	79	24	.	.	PUNCT
ajbmeb-2637	80	1	340	340	NUM
ajbmeb-2637	80	2	p.	p.	NOUN
ajbmeb-2637	80	3	;	;	PUNCT
ajbmeb-2637	80	4	cecchini	cecchini	PROPN
ajbmeb-2637	80	5	p.	p.	NOUN
ajbmeb-2637	80	6	the	the	DET
ajbmeb-2637	80	7	incomplete	incomplete	ADJ
ajbmeb-2637	80	8	european	european	ADJ
ajbmeb-2637	80	9	market	market	NOUN
ajbmeb-2637	80	10	for	for	ADP
ajbmeb-2637	80	11	financial	financial	ADJ
ajbmeb-2637	80	12	services	service	NOUN
ajbmeb-2637	80	13	(	(	PUNCT
ajbmeb-2637	80	14	zew	zew	NOUN
ajbmeb-2637	80	15	economiics	economiic	NOUN
ajbmeb-2637	80	16	studies	study	NOUN
ajbmeb-2637	80	17	19	19	NUM
ajbmeb-2637	80	18	.	.	PUNCT
ajbmeb-2637	80	19	)	)	PUNCT
ajbmeb-2637	80	20	/	/	PUNCT
ajbmeb-2637	81	1	p.	p.	NOUN
ajbmeb-2637	81	2	cecchini	cecchini	NOUN
ajbmeb-2637	81	3	,	,	PUNCT
ajbmeb-2637	81	4	jopp	jopp	PROPN
ajbmeb-2637	81	5	f.	f.	PROPN
ajbmeb-2637	81	6	heinemann	heinemann	PROPN
ajbmeb-2637	81	7	.	.	PUNCT
ajbmeb-2637	82	1	2003	2003	NUM
ajbmeb-2637	82	2	.	.	PUNCT
ajbmeb-2637	83	1	–	–	PUNCT
ajbmeb-2637	83	2	187	187	NUM
ajbmeb-2637	83	3	p.	p.	NOUN
ajbmeb-2637	83	4	8	8	NUM
ajbmeb-2637	83	5	.	.	PUNCT
ajbmeb-2637	84	1	бизнес	бизнес	NOUN
ajbmeb-2637	84	2	:	:	PUNCT
ajbmeb-2637	84	3	оксфордский	оксфордский	PROPN
ajbmeb-2637	84	4	толковый	толковый	NOUN
ajbmeb-2637	84	5	словарь	словарь	PROPN
ajbmeb-2637	84	6	:	:	PUNCT
ajbmeb-2637	84	7	oxford	oxford	PROPN
ajbmeb-2637	84	8	university	university	NOUN
ajbmeb-2637	84	9	press	press	NOUN
ajbmeb-2637	84	10	.	.	PUNCT
ajbmeb-2637	85	1	прогресс	прогресс	NOUN
ajbmeb-2637	85	2	-	-	PUNCT
ajbmeb-2637	85	3	академия	академия	ADJ
ajbmeb-2637	85	4	,	,	PUNCT
ajbmeb-2637	85	5	1995	1995	NUM
ajbmeb-2637	85	6	.	.	PUNCT
ajbmeb-2637	86	1	университет	университет	NOUN
ajbmeb-2637	86	2	штата	штата	PROPN
ajbmeb-2637	86	3	индиана	индиана	PROPN
ajbmeb-2637	86	4	,	,	PUNCT
ajbmeb-2637	86	5	2010	2010	NUM
ajbmeb-2637	86	6	9	9	NUM
ajbmeb-2637	86	7	.	.	PUNCT
ajbmeb-2637	87	1	зубец	зубец	PROPN
ajbmeb-2637	87	2	а	а	PROPN
ajbmeb-2637	87	3	.	.	PUNCT
ajbmeb-2637	88	1	“	"	PUNCT
ajbmeb-2637	88	2	маркетинговые	маркетинговые	NOUN
ajbmeb-2637	88	3	исследования	исследования	NOUN
ajbmeb-2637	88	4	страхового	страхового	PROPN
ajbmeb-2637	88	5	рынка	рынка	NOUN
ajbmeb-2637	88	6	”	"	PUNCT
ajbmeb-2637	88	7	.	.	PUNCT
ajbmeb-2637	89	1	м	м	X
ajbmeb-2637	89	2	.	.	PUNCT
ajbmeb-2637	89	3	:	:	PUNCT
ajbmeb-2637	90	1	центр	центр	PROPN
ajbmeb-2637	90	2	экономики	экономики	VERB
ajbmeb-2637	90	3	и	и	PROPN
ajbmeb-2637	90	4	маркетинга	маркетинга	NOUN
ajbmeb-2637	90	5	,	,	PUNCT
ajbmeb-2637	90	6	2002.224	2002.224	PROPN
ajbmeb-2637	90	7	с	с	PROPN
ajbmeb-2637	90	8	.	.	PROPN
ajbmeb-2637	90	9	10	10	NUM
ajbmeb-2637	90	10	.	.	PUNCT
ajbmeb-2637	91	1	смит	смит	PROPN
ajbmeb-2637	91	2	а	а	PROPN
ajbmeb-2637	91	3	.	.	PUNCT
ajbmeb-2637	92	1	исследование	исследование	PROPN
ajbmeb-2637	92	2	о	о	PROPN
ajbmeb-2637	92	3	природе	природе	VERB
ajbmeb-2637	92	4	и	и	PROPN
ajbmeb-2637	92	5	причинах	причинах	NOUN
ajbmeb-2637	92	6	богатства	богатства	NOUN
ajbmeb-2637	92	7	народов	народов	VERB
ajbmeb-2637	92	8	.	.	PUNCT
ajbmeb-2637	93	1	м	м	X
ajbmeb-2637	93	2	.	.	PUNCT
ajbmeb-2637	93	3	:	:	PUNCT
ajbmeb-2637	94	1	эксм0.2007	эксм0.2007	NOUN
ajbmeb-2637	94	2	.	.	PROPN
ajbmeb-2637	95	1	960	960	NUM
ajbmeb-2637	95	2	с	с	NOUN
ajbmeb-2637	95	3	.	.	PROPN
ajbmeb-2637	96	1	11	11	NUM
ajbmeb-2637	96	2	.	.	PUNCT
ajbmeb-2637	97	1	хилл	хилл	PROPN
ajbmeb-2637	97	2	томас	томас	VERB
ajbmeb-2637	97	3	инглиш	инглиш	ADV
ajbmeb-2637	97	4	,	,	PUNCT
ajbmeb-2637	97	5	современные	современные	ADJ
ajbmeb-2637	97	6	теории	теории	NOUN
ajbmeb-2637	97	7	познания	познания	NOUN
ajbmeb-2637	97	8	,	,	PUNCT
ajbmeb-2637	97	9	перевод	перевод	NOUN
ajbmeb-2637	97	10	с	с	PROPN
ajbmeb-2637	97	11	английского	английского	ADJ
ajbmeb-2637	97	12	;	;	PUNCT
ajbmeb-2637	97	13	общая	общая	NOUN
ajbmeb-2637	97	14	редакция	редакция	NOUN
ajbmeb-2637	97	15	и	и	PROPN
ajbmeb-2637	97	16	предисловие	предисловие	NOUN
ajbmeb-2637	97	17	проф	проф	ADJ
ajbmeb-2637	97	18	.	.	PUNCT
ajbmeb-2637	98	1	б.э.быховского	б.э.быховского	NOUN
ajbmeb-2637	98	2	,	,	PUNCT
ajbmeb-2637	98	3	м	м	NUM
ajbmeb-2637	98	4	.	.	PUNCT
ajbmeb-2637	98	5	:	:	PUNCT
ajbmeb-2637	99	1	прогресс	прогресс	PROPN
ajbmeb-2637	99	2	,	,	PUNCT
ajbmeb-2637	99	3	1965.533	1965.533	PROPN
ajbmeb-2637	99	4	с	с	PROPN
ajbmeb-2637	99	5	.	.	PROPN
ajbmeb-2637	100	1	12	12	NUM
ajbmeb-2637	100	2	.	.	PUNCT
ajbmeb-2637	100	3	ққўлдошев	ққўлдошев	NOUN
ajbmeb-2637	100	4	.	.	PUNCT
ajbmeb-2637	101	1	ўзбекистон	ўзбекистон	NOUN
ajbmeb-2637	101	2	миллий	миллий	NOUN
ajbmeb-2637	101	3	суғурта	суғурта	ADP
ajbmeb-2637	101	4	бозорида	бозорида	NOUN
ajbmeb-2637	101	5	ўзаро	ўзаро	ADJ
ajbmeb-2637	101	6	суғурта	суғурта	ADJ
ajbmeb-2637	101	7	хизматларини	хизматларини	VERB
ajbmeb-2637	101	8	ривожлантириш	ривожлантириш	ADJ
ajbmeb-2637	101	9	масалалари	масалалари	NOUN
ajbmeb-2637	101	10	.	.	PUNCT
ajbmeb-2637	102	1	“	"	PUNCT
ajbmeb-2637	102	2	иқтисодиёт	иқтисодиёт	PROPN
ajbmeb-2637	102	3	ва	ва	PROPN
ajbmeb-2637	102	4	инновatsiон	инновatsiон	PROPN
ajbmeb-2637	102	5	технологиялар	технологиялар	PROPN
ajbmeb-2637	102	6	”	"	PUNCT
ajbmeb-2637	102	7	илмий	илмий	NOUN
ajbmeb-2637	102	8	электрон	электрон	ADJ
ajbmeb-2637	102	9	журнали	журнали	NOUN
ajbmeb-2637	102	10	.	.	PUNCT
ajbmeb-2637	103	1	№	№	NOUN
ajbmeb-2637	103	2	2	2	NUM
ajbmeb-2637	103	3	,	,	PUNCT
ajbmeb-2637	103	4	март	март	NOUN
ajbmeb-2637	103	5	-	-	PUNCT
ajbmeb-2637	103	6	апрель	апрель	NOUN
ajbmeb-2637	103	7	,	,	PUNCT
ajbmeb-2637	103	8	2019	2019	NUM
ajbmeb-2637	103	9	йил	йил	NOUN
ajbmeb-2637	103	10	.	.	PROPN
ajbmeb-2637	103	11	13	13	NUM
ajbmeb-2637	103	12	.	.	PUNCT
ajbmeb-2637	104	1	абдуллаев	абдуллаев	NOUN
ajbmeb-2637	104	2	некруз	некруз	ADJ
ajbmeb-2637	104	3	абдуллаевич	абдуллаевич	NOUN
ajbmeb-2637	104	4	.	.	PUNCT
ajbmeb-2637	105	1	кредит	кредит	PROPN
ajbmeb-2637	105	2	скоринги	скоринги	PROPN
ajbmeb-2637	105	3	:	:	PUNCT
ajbmeb-2637	105	4	моҳият	моҳият	PROPN
ajbmeb-2637	105	5	,	,	PUNCT
ajbmeb-2637	105	6	қўллаш	қўллаш	ADJ
ajbmeb-2637	105	7	механизмлари	механизмлари	NOUN
ajbmeb-2637	105	8	,	,	PUNCT
ajbmeb-2637	105	9	муаммолар	муаммолар	PROPN
ajbmeb-2637	105	10	.	.	PUNCT
ajbmeb-2637	106	1	https://cyberleninka.ru/article/n/kredit-skoringi-moliyalashtirish	https://cyberleninka.ru/article/n/kredit-skoringi-moliyalashtirish	PROPN
ajbmeb-2637	106	2	mehanizmlari	mehanizmlari	PROPN
ajbmeb-2637	106	3	muammolar	muammolar	ADJ
ajbmeb-2637	106	4	.	.	PUNCT
ajbmeb-2637	107	1	https://cyberleninka.ru/article/n/kredit-skoringi-moliyalashtirish	https://cyberleninka.ru/article/n/kredit-skoringi-moliyalashtirish	VERB