id	sid	tid	token	lemma	pos
ajbmeb-2697	1	1	american	american	PROPN
ajbmeb-2697	1	2	journal	journal	PROPN
ajbmeb-2697	1	3	of	of	ADP
ajbmeb-2697	1	4	business	business	NOUN
ajbmeb-2697	1	5	management	management	NOUN
ajbmeb-2697	1	6	,	,	PUNCT
ajbmeb-2697	1	7	economics	economic	NOUN
ajbmeb-2697	1	8	and	and	CCONJ
ajbmeb-2697	1	9	banking	banking	NOUN
ajbmeb-2697	1	10	issn	issn	PROPN
ajbmeb-2697	1	11	(	(	PUNCT
ajbmeb-2697	1	12	e	e	NOUN
ajbmeb-2697	1	13	):	):	PUNCT
ajbmeb-2697	1	14	2832	2832	NUM
ajbmeb-2697	1	15	-	-	SYM
ajbmeb-2697	1	16	8078	8078	NUM
ajbmeb-2697	1	17	volume	volume	NOUN
ajbmeb-2697	1	18	33	33	NUM
ajbmeb-2697	1	19	,	,	PUNCT
ajbmeb-2697	1	20	february	february	PROPN
ajbmeb-2697	1	21	2025	2025	NUM
ajbmeb-2697	1	22	p	p	NOUN
ajbmeb-2697	1	23	a	a	DET
ajbmeb-2697	1	24	g	g	NOUN
ajbmeb-2697	1	25	e	e	NOUN
ajbmeb-2697	1	26	|	|	ADV
ajbmeb-2697	1	27	23	23	NUM
ajbmeb-2697	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2697	1	29	improving	improve	VERB
ajbmeb-2697	1	30	the	the	DET
ajbmeb-2697	1	31	efficiency	efficiency	NOUN
ajbmeb-2697	1	32	of	of	ADP
ajbmeb-2697	1	33	working	work	VERB
ajbmeb-2697	1	34	with	with	ADP
ajbmeb-2697	1	35	problem	problem	NOUN
ajbmeb-2697	1	36	loans	loan	NOUN
ajbmeb-2697	1	37	in	in	ADP
ajbmeb-2697	1	38	banks	bank	NOUN
ajbmeb-2697	1	39	sultonov	sultonov	NOUN
ajbmeb-2697	1	40	doniyor	doniyor	PROPN
ajbmeb-2697	1	41	ruziboyevich	ruziboyevich	PROPN
ajbmeb-2697	1	42	head	head	NOUN
ajbmeb-2697	1	43	of	of	ADP
ajbmeb-2697	1	44	collection	collection	NOUN
ajbmeb-2697	1	45	service	service	PROPN
ajbmeb-2697	1	46	hamkorbank	hamkorbank	PROPN
ajbmeb-2697	1	47	jscb	jscb	PROPN
ajbmeb-2697	1	48	hazorasp	hazorasp	VERB
ajbmeb-2697	1	49	universal	universal	ADJ
ajbmeb-2697	1	50	banking	banking	NOUN
ajbmeb-2697	1	51	services	service	NOUN
ajbmeb-2697	1	52	office	office	VERB
ajbmeb-2697	1	53	a	a	DET
ajbmeb-2697	1	54	b	b	PROPN
ajbmeb-2697	1	55	s	s	ADP
ajbmeb-2697	1	56	t	t	PROPN
ajbmeb-2697	1	57	r	r	NOUN
ajbmeb-2697	1	58	a	a	DET
ajbmeb-2697	1	59	c	c	NOUN
ajbmeb-2697	1	60	t	t	NOUN
ajbmeb-2697	2	1	k	k	X
ajbmeb-2697	2	2	e	e	PROPN
ajbmeb-2697	2	3	y	y	PROPN
ajbmeb-2697	2	4	w	w	NOUN
ajbmeb-2697	2	5	o	o	NOUN
ajbmeb-2697	2	6	r	r	NOUN
ajbmeb-2697	2	7	d	d	PROPN
ajbmeb-2697	2	8	s	s	VERB
ajbmeb-2697	2	9	this	this	DET
ajbmeb-2697	2	10	article	article	NOUN
ajbmeb-2697	2	11	discusses	discuss	VERB
ajbmeb-2697	2	12	how	how	SCONJ
ajbmeb-2697	2	13	to	to	PART
ajbmeb-2697	2	14	improve	improve	VERB
ajbmeb-2697	2	15	the	the	DET
ajbmeb-2697	2	16	efficiency	efficiency	NOUN
ajbmeb-2697	2	17	of	of	ADP
ajbmeb-2697	2	18	working	work	VERB
ajbmeb-2697	2	19	with	with	ADP
ajbmeb-2697	2	20	problem	problem	NOUN
ajbmeb-2697	2	21	loans	loan	NOUN
ajbmeb-2697	2	22	in	in	ADP
ajbmeb-2697	2	23	banks	bank	NOUN
ajbmeb-2697	2	24	.	.	PUNCT
ajbmeb-2697	3	1	lending	lending	NOUN
ajbmeb-2697	3	2	is	be	AUX
ajbmeb-2697	3	3	at	at	ADP
ajbmeb-2697	3	4	the	the	DET
ajbmeb-2697	3	5	forefront	forefront	NOUN
ajbmeb-2697	3	6	of	of	ADP
ajbmeb-2697	3	7	the	the	DET
ajbmeb-2697	3	8	functioning	functioning	NOUN
ajbmeb-2697	3	9	of	of	ADP
ajbmeb-2697	3	10	any	any	DET
ajbmeb-2697	3	11	commercial	commercial	ADJ
ajbmeb-2697	3	12	bank	bank	NOUN
ajbmeb-2697	3	13	and	and	CCONJ
ajbmeb-2697	3	14	has	have	AUX
ajbmeb-2697	3	15	always	always	ADV
ajbmeb-2697	3	16	been	be	AUX
ajbmeb-2697	3	17	given	give	VERB
ajbmeb-2697	3	18	a	a	DET
ajbmeb-2697	3	19	special	special	ADJ
ajbmeb-2697	3	20	role	role	NOUN
ajbmeb-2697	3	21	.	.	PUNCT
ajbmeb-2697	4	1	due	due	ADP
ajbmeb-2697	4	2	to	to	ADP
ajbmeb-2697	4	3	the	the	DET
ajbmeb-2697	4	4	increased	increase	VERB
ajbmeb-2697	4	5	volumes	volume	NOUN
ajbmeb-2697	4	6	of	of	ADP
ajbmeb-2697	4	7	lending	lending	NOUN
ajbmeb-2697	4	8	to	to	ADP
ajbmeb-2697	4	9	corporate	corporate	ADJ
ajbmeb-2697	4	10	clients	client	NOUN
ajbmeb-2697	4	11	,	,	PUNCT
ajbmeb-2697	4	12	small	small	ADJ
ajbmeb-2697	4	13	businesses	business	NOUN
ajbmeb-2697	4	14	and	and	CCONJ
ajbmeb-2697	4	15	the	the	DET
ajbmeb-2697	4	16	retail	retail	ADJ
ajbmeb-2697	4	17	sector	sector	NOUN
ajbmeb-2697	4	18	,	,	PUNCT
ajbmeb-2697	4	19	the	the	DET
ajbmeb-2697	4	20	share	share	NOUN
ajbmeb-2697	4	21	of	of	ADP
ajbmeb-2697	4	22	problem	problem	NOUN
ajbmeb-2697	4	23	debt	debt	NOUN
ajbmeb-2697	4	24	in	in	ADP
ajbmeb-2697	4	25	banking	banking	NOUN
ajbmeb-2697	4	26	structures	structure	NOUN
ajbmeb-2697	4	27	is	be	AUX
ajbmeb-2697	4	28	growing	grow	VERB
ajbmeb-2697	4	29	,	,	PUNCT
ajbmeb-2697	4	30	which	which	PRON
ajbmeb-2697	4	31	may	may	AUX
ajbmeb-2697	4	32	subsequently	subsequently	ADV
ajbmeb-2697	4	33	develop	develop	VERB
ajbmeb-2697	4	34	into	into	ADP
ajbmeb-2697	4	35	overdue	overdue	ADJ
ajbmeb-2697	4	36	debt	debt	NOUN
ajbmeb-2697	4	37	.	.	PUNCT
ajbmeb-2697	5	1	consequently	consequently	ADV
ajbmeb-2697	5	2	,	,	PUNCT
ajbmeb-2697	5	3	banks	bank	NOUN
ajbmeb-2697	5	4	are	be	AUX
ajbmeb-2697	5	5	forced	force	VERB
ajbmeb-2697	5	6	to	to	PART
ajbmeb-2697	5	7	pay	pay	VERB
ajbmeb-2697	5	8	great	great	ADJ
ajbmeb-2697	5	9	attention	attention	NOUN
ajbmeb-2697	5	10	to	to	ADP
ajbmeb-2697	5	11	working	work	VERB
ajbmeb-2697	5	12	with	with	ADP
ajbmeb-2697	5	13	problem	problem	NOUN
ajbmeb-2697	5	14	debt	debt	NOUN
ajbmeb-2697	5	15	,	,	PUNCT
ajbmeb-2697	5	16	develop	develop	VERB
ajbmeb-2697	5	17	new	new	ADJ
ajbmeb-2697	5	18	methods	method	NOUN
ajbmeb-2697	5	19	and	and	CCONJ
ajbmeb-2697	5	20	mechanisms	mechanism	NOUN
ajbmeb-2697	5	21	for	for	ADP
ajbmeb-2697	5	22	identifying	identify	VERB
ajbmeb-2697	5	23	it	it	PRON
ajbmeb-2697	5	24	,	,	PUNCT
ajbmeb-2697	5	25	create	create	VERB
ajbmeb-2697	5	26	separate	separate	ADJ
ajbmeb-2697	5	27	divisions	division	NOUN
ajbmeb-2697	5	28	ready	ready	ADJ
ajbmeb-2697	5	29	to	to	PART
ajbmeb-2697	5	30	effectively	effectively	ADV
ajbmeb-2697	5	31	monitor	monitor	VERB
ajbmeb-2697	5	32	and	and	CCONJ
ajbmeb-2697	5	33	combat	combat	VERB
ajbmeb-2697	5	34	this	this	DET
ajbmeb-2697	5	35	debt	debt	NOUN
ajbmeb-2697	5	36	.	.	PUNCT
ajbmeb-2697	6	1	problem	problem	NOUN
ajbmeb-2697	6	2	debt	debt	NOUN
ajbmeb-2697	6	3	,	,	PUNCT
ajbmeb-2697	6	4	problem	problem	NOUN
ajbmeb-2697	6	5	loan	loan	NOUN
ajbmeb-2697	6	6	,	,	PUNCT
ajbmeb-2697	6	7	overdue	overdue	ADJ
ajbmeb-2697	6	8	loan	loan	NOUN
ajbmeb-2697	6	9	,	,	PUNCT
ajbmeb-2697	6	10	measures	measure	NOUN
ajbmeb-2697	6	11	to	to	PART
ajbmeb-2697	6	12	collect	collect	VERB
ajbmeb-2697	6	13	problem	problem	NOUN
ajbmeb-2697	6	14	debt	debt	NOUN
ajbmeb-2697	6	15	,	,	PUNCT
ajbmeb-2697	6	16	signs	sign	NOUN
ajbmeb-2697	6	17	of	of	ADP
ajbmeb-2697	6	18	a	a	DET
ajbmeb-2697	6	19	problem	problem	NOUN
ajbmeb-2697	6	20	loan	loan	NOUN
ajbmeb-2697	6	21	.	.	PUNCT
ajbmeb-2697	7	1	introduction	introduction	NOUN
ajbmeb-2697	7	2	today	today	NOUN
ajbmeb-2697	7	3	,	,	PUNCT
ajbmeb-2697	7	4	the	the	DET
ajbmeb-2697	7	5	most	most	ADV
ajbmeb-2697	7	6	important	important	ADJ
ajbmeb-2697	7	7	problem	problem	NOUN
ajbmeb-2697	7	8	for	for	ADP
ajbmeb-2697	7	9	both	both	DET
ajbmeb-2697	7	10	credit	credit	NOUN
ajbmeb-2697	7	11	institutions	institution	NOUN
ajbmeb-2697	7	12	and	and	CCONJ
ajbmeb-2697	7	13	their	their	PRON
ajbmeb-2697	7	14	clients	client	NOUN
ajbmeb-2697	7	15	is	be	AUX
ajbmeb-2697	7	16	the	the	DET
ajbmeb-2697	7	17	return	return	NOUN
ajbmeb-2697	7	18	of	of	ADP
ajbmeb-2697	7	19	issued	issue	VERB
ajbmeb-2697	7	20	loans	loan	NOUN
ajbmeb-2697	7	21	.	.	PUNCT
ajbmeb-2697	8	1	not	not	PART
ajbmeb-2697	8	2	only	only	ADV
ajbmeb-2697	8	3	the	the	DET
ajbmeb-2697	8	4	success	success	NOUN
ajbmeb-2697	8	5	of	of	ADP
ajbmeb-2697	8	6	resolving	resolve	VERB
ajbmeb-2697	8	7	a	a	DET
ajbmeb-2697	8	8	particular	particular	ADJ
ajbmeb-2697	8	9	conflict	conflict	NOUN
ajbmeb-2697	8	10	situation	situation	NOUN
ajbmeb-2697	8	11	,	,	PUNCT
ajbmeb-2697	8	12	but	but	CCONJ
ajbmeb-2697	8	13	also	also	ADV
ajbmeb-2697	8	14	the	the	DET
ajbmeb-2697	8	15	stability	stability	NOUN
ajbmeb-2697	8	16	and	and	CCONJ
ajbmeb-2697	8	17	reputation	reputation	NOUN
ajbmeb-2697	8	18	of	of	ADP
ajbmeb-2697	8	19	the	the	DET
ajbmeb-2697	8	20	bank	bank	NOUN
ajbmeb-2697	8	21	itself	itself	PRON
ajbmeb-2697	8	22	depend	depend	VERB
ajbmeb-2697	8	23	on	on	ADP
ajbmeb-2697	8	24	the	the	DET
ajbmeb-2697	8	25	correct	correct	ADJ
ajbmeb-2697	8	26	choice	choice	NOUN
ajbmeb-2697	8	27	of	of	ADP
ajbmeb-2697	8	28	the	the	DET
ajbmeb-2697	8	29	method	method	NOUN
ajbmeb-2697	8	30	of	of	ADP
ajbmeb-2697	8	31	working	work	VERB
ajbmeb-2697	8	32	with	with	ADP
ajbmeb-2697	8	33	"	"	PUNCT
ajbmeb-2697	8	34	problem	problem	NOUN
ajbmeb-2697	8	35	"	"	PUNCT
ajbmeb-2697	8	36	assets	asset	NOUN
ajbmeb-2697	8	37	.	.	PUNCT
ajbmeb-2697	9	1	each	each	DET
ajbmeb-2697	9	2	bank	bank	NOUN
ajbmeb-2697	9	3	chooses	choose	VERB
ajbmeb-2697	9	4	its	its	PRON
ajbmeb-2697	9	5	own	own	ADJ
ajbmeb-2697	9	6	ways	way	NOUN
ajbmeb-2697	9	7	to	to	PART
ajbmeb-2697	9	8	resolve	resolve	VERB
ajbmeb-2697	9	9	problem	problem	NOUN
ajbmeb-2697	9	10	debts	debt	NOUN
ajbmeb-2697	9	11	in	in	ADP
ajbmeb-2697	9	12	accordance	accordance	NOUN
ajbmeb-2697	9	13	with	with	ADP
ajbmeb-2697	9	14	the	the	DET
ajbmeb-2697	9	15	policy	policy	NOUN
ajbmeb-2697	9	16	pursued	pursue	VERB
ajbmeb-2697	9	17	within	within	ADP
ajbmeb-2697	9	18	the	the	DET
ajbmeb-2697	9	19	organization	organization	NOUN
ajbmeb-2697	9	20	.	.	PUNCT
ajbmeb-2697	10	1	let	let	VERB
ajbmeb-2697	10	2	us	we	PRON
ajbmeb-2697	10	3	consider	consider	VERB
ajbmeb-2697	10	4	the	the	DET
ajbmeb-2697	10	5	main	main	ADJ
ajbmeb-2697	10	6	problems	problem	NOUN
ajbmeb-2697	10	7	that	that	PRON
ajbmeb-2697	10	8	arise	arise	VERB
ajbmeb-2697	10	9	in	in	ADP
ajbmeb-2697	10	10	the	the	DET
ajbmeb-2697	10	11	process	process	NOUN
ajbmeb-2697	10	12	of	of	ADP
ajbmeb-2697	10	13	working	work	VERB
ajbmeb-2697	10	14	with	with	ADP
ajbmeb-2697	10	15	problem	problem	NOUN
ajbmeb-2697	10	16	assets	asset	NOUN
ajbmeb-2697	10	17	of	of	ADP
ajbmeb-2697	10	18	legal	legal	ADJ
ajbmeb-2697	10	19	entities	entity	NOUN
ajbmeb-2697	10	20	.	.	PUNCT
ajbmeb-2697	11	1	the	the	DET
ajbmeb-2697	11	2	main	main	ADJ
ajbmeb-2697	11	3	problem	problem	NOUN
ajbmeb-2697	11	4	of	of	ADP
ajbmeb-2697	11	5	banks	bank	NOUN
ajbmeb-2697	11	6	when	when	SCONJ
ajbmeb-2697	11	7	independently	independently	ADV
ajbmeb-2697	11	8	working	work	VERB
ajbmeb-2697	11	9	with	with	ADP
ajbmeb-2697	11	10	problem	problem	NOUN
ajbmeb-2697	11	11	debts	debt	NOUN
ajbmeb-2697	11	12	is	be	AUX
ajbmeb-2697	11	13	the	the	DET
ajbmeb-2697	11	14	lack	lack	NOUN
ajbmeb-2697	11	15	of	of	ADP
ajbmeb-2697	11	16	a	a	DET
ajbmeb-2697	11	17	clearly	clearly	ADV
ajbmeb-2697	11	18	functioning	function	VERB
ajbmeb-2697	11	19	and	and	CCONJ
ajbmeb-2697	11	20	regulated	regulate	VERB
ajbmeb-2697	11	21	legal	legal	ADJ
ajbmeb-2697	11	22	mechanism	mechanism	NOUN
ajbmeb-2697	11	23	for	for	ADP
ajbmeb-2697	11	24	working	work	VERB
ajbmeb-2697	11	25	with	with	ADP
ajbmeb-2697	11	26	debts	debt	NOUN
ajbmeb-2697	11	27	,	,	PUNCT
ajbmeb-2697	11	28	as	as	ADV
ajbmeb-2697	11	29	well	well	ADV
ajbmeb-2697	11	30	as	as	ADP
ajbmeb-2697	11	31	the	the	DET
ajbmeb-2697	11	32	lack	lack	NOUN
ajbmeb-2697	11	33	of	of	ADP
ajbmeb-2697	11	34	a	a	DET
ajbmeb-2697	11	35	general	general	ADJ
ajbmeb-2697	11	36	standard	standard	NOUN
ajbmeb-2697	11	37	for	for	ADP
ajbmeb-2697	11	38	working	work	VERB
ajbmeb-2697	11	39	with	with	ADP
ajbmeb-2697	11	40	problem	problem	NOUN
ajbmeb-2697	11	41	assets	asset	NOUN
ajbmeb-2697	11	42	.	.	PUNCT
ajbmeb-2697	12	1	in	in	ADP
ajbmeb-2697	12	2	order	order	NOUN
ajbmeb-2697	12	3	to	to	PART
ajbmeb-2697	12	4	minimize	minimize	VERB
ajbmeb-2697	12	5	the	the	DET
ajbmeb-2697	12	6	legal	legal	ADJ
ajbmeb-2697	12	7	risks	risk	NOUN
ajbmeb-2697	12	8	that	that	PRON
ajbmeb-2697	12	9	arise	arise	VERB
ajbmeb-2697	12	10	in	in	ADP
ajbmeb-2697	12	11	the	the	DET
ajbmeb-2697	12	12	situations	situation	NOUN
ajbmeb-2697	12	13	under	under	ADP
ajbmeb-2697	12	14	consideration	consideration	NOUN
ajbmeb-2697	12	15	,	,	PUNCT
ajbmeb-2697	12	16	banks	bank	NOUN
ajbmeb-2697	12	17	must	must	AUX
ajbmeb-2697	12	18	independently	independently	ADV
ajbmeb-2697	12	19	develop	develop	VERB
ajbmeb-2697	12	20	documentation	documentation	NOUN
ajbmeb-2697	12	21	(	(	PUNCT
ajbmeb-2697	12	22	rules	rule	NOUN
ajbmeb-2697	12	23	,	,	PUNCT
ajbmeb-2697	12	24	instructions	instruction	NOUN
ajbmeb-2697	12	25	,	,	PUNCT
ajbmeb-2697	12	26	procedure	procedure	NOUN
ajbmeb-2697	12	27	,	,	PUNCT
ajbmeb-2697	12	28	regulations	regulation	NOUN
ajbmeb-2697	12	29	)	)	PUNCT
ajbmeb-2697	12	30	for	for	ADP
ajbmeb-2697	12	31	the	the	DET
ajbmeb-2697	12	32	settlement	settlement	NOUN
ajbmeb-2697	12	33	of	of	ADP
ajbmeb-2697	12	34	problem	problem	NOUN
ajbmeb-2697	12	35	debts	debt	NOUN
ajbmeb-2697	12	36	.	.	PUNCT
ajbmeb-2697	13	1	this	this	DET
ajbmeb-2697	13	2	document	document	NOUN
ajbmeb-2697	13	3	must	must	AUX
ajbmeb-2697	13	4	provide	provide	VERB
ajbmeb-2697	13	5	for	for	ADP
ajbmeb-2697	13	6	the	the	DET
ajbmeb-2697	13	7	delineation	delineation	NOUN
ajbmeb-2697	13	8	of	of	ADP
ajbmeb-2697	13	9	powers	power	NOUN
ajbmeb-2697	13	10	between	between	ADP
ajbmeb-2697	13	11	various	various	ADJ
ajbmeb-2697	13	12	structural	structural	ADJ
ajbmeb-2697	13	13	divisions	division	NOUN
ajbmeb-2697	13	14	of	of	ADP
ajbmeb-2697	13	15	the	the	DET
ajbmeb-2697	13	16	organization	organization	NOUN
ajbmeb-2697	13	17	on	on	ADP
ajbmeb-2697	13	18	the	the	DET
ajbmeb-2697	13	19	issue	issue	NOUN
ajbmeb-2697	13	20	under	under	ADP
ajbmeb-2697	13	21	consideration	consideration	NOUN
ajbmeb-2697	13	22	,	,	PUNCT
ajbmeb-2697	13	23	and	and	CCONJ
ajbmeb-2697	13	24	vest	vest	VERB
ajbmeb-2697	13	25	responsible	responsible	ADJ
ajbmeb-2697	13	26	persons	person	NOUN
ajbmeb-2697	13	27	with	with	ADP
ajbmeb-2697	13	28	the	the	DET
ajbmeb-2697	13	29	appropriate	appropriate	ADJ
ajbmeb-2697	13	30	rights	right	NOUN
ajbmeb-2697	13	31	and	and	CCONJ
ajbmeb-2697	13	32	responsibilities	responsibility	NOUN
ajbmeb-2697	13	33	[	[	X
ajbmeb-2697	13	34	5	5	NUM
ajbmeb-2697	13	35	]	]	PUNCT
ajbmeb-2697	13	36	.	.	PUNCT
ajbmeb-2697	14	1	in	in	ADP
ajbmeb-2697	14	2	addition	addition	NOUN
ajbmeb-2697	14	3	to	to	ADP
ajbmeb-2697	14	4	this	this	DET
ajbmeb-2697	14	5	problem	problem	NOUN
ajbmeb-2697	14	6	,	,	PUNCT
ajbmeb-2697	14	7	there	there	PRON
ajbmeb-2697	14	8	are	be	VERB
ajbmeb-2697	14	9	significant	significant	ADJ
ajbmeb-2697	14	10	problems	problem	NOUN
ajbmeb-2697	14	11	in	in	ADP
ajbmeb-2697	14	12	the	the	DET
ajbmeb-2697	14	13	legislative	legislative	ADJ
ajbmeb-2697	14	14	and	and	CCONJ
ajbmeb-2697	14	15	regulatory	regulatory	ADJ
ajbmeb-2697	14	16	field	field	NOUN
ajbmeb-2697	14	17	of	of	ADP
ajbmeb-2697	14	18	activity	activity	NOUN
ajbmeb-2697	14	19	of	of	ADP
ajbmeb-2697	14	20	both	both	DET
ajbmeb-2697	14	21	banks	bank	NOUN
ajbmeb-2697	14	22	and	and	CCONJ
ajbmeb-2697	14	23	their	their	PRON
ajbmeb-2697	14	24	clients	client	NOUN
ajbmeb-2697	14	25	that	that	PRON
ajbmeb-2697	14	26	complicate	complicate	VERB
ajbmeb-2697	14	27	the	the	DET
ajbmeb-2697	14	28	process	process	NOUN
ajbmeb-2697	14	29	of	of	ADP
ajbmeb-2697	14	30	collecting	collect	VERB
ajbmeb-2697	14	31	problem	problem	NOUN
ajbmeb-2697	14	32	debts	debt	NOUN
ajbmeb-2697	14	33	.	.	PUNCT
ajbmeb-2697	15	1	in	in	ADP
ajbmeb-2697	15	2	uzbekistan	uzbekistan	PROPN
ajbmeb-2697	15	3	,	,	PUNCT
ajbmeb-2697	15	4	there	there	PRON
ajbmeb-2697	15	5	is	be	VERB
ajbmeb-2697	15	6	currently	currently	ADV
ajbmeb-2697	15	7	a	a	DET
ajbmeb-2697	15	8	legal	legal	ADJ
ajbmeb-2697	15	9	way	way	NOUN
ajbmeb-2697	15	10	to	to	PART
ajbmeb-2697	15	11	evade	evade	VERB
ajbmeb-2697	15	12	debt	debt	NOUN
ajbmeb-2697	15	13	repayment	repayment	NOUN
ajbmeb-2697	15	14	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	15	15	,	,	PUNCT
ajbmeb-2697	15	16	despite	despite	SCONJ
ajbmeb-2697	15	17	the	the	DET
ajbmeb-2697	15	18	fact	fact	NOUN
ajbmeb-2697	15	19	that	that	SCONJ
ajbmeb-2697	15	20	it	it	PRON
ajbmeb-2697	15	21	is	be	AUX
ajbmeb-2697	15	22	very	very	ADV
ajbmeb-2697	15	23	lengthy	lengthy	ADJ
ajbmeb-2697	15	24	.	.	PUNCT
ajbmeb-2697	16	1	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	16	2	is	be	AUX
ajbmeb-2697	16	3	often	often	ADV
ajbmeb-2697	16	4	a	a	DET
ajbmeb-2697	16	5	goal	goal	NOUN
ajbmeb-2697	16	6	,	,	PUNCT
ajbmeb-2697	16	7	the	the	DET
ajbmeb-2697	16	8	achievement	achievement	NOUN
ajbmeb-2697	16	9	of	of	ADP
ajbmeb-2697	16	10	which	which	PRON
ajbmeb-2697	16	11	allows	allow	VERB
ajbmeb-2697	16	12	the	the	DET
ajbmeb-2697	16	13	debtor	debtor	NOUN
ajbmeb-2697	16	14	to	to	PART
ajbmeb-2697	16	15	avoid	avoid	VERB
ajbmeb-2697	16	16	the	the	DET
ajbmeb-2697	16	17	american	american	ADJ
ajbmeb-2697	16	18	journal	journal	PROPN
ajbmeb-2697	16	19	of	of	ADP
ajbmeb-2697	16	20	business	business	NOUN
ajbmeb-2697	16	21	management	management	NOUN
ajbmeb-2697	16	22	,	,	PUNCT
ajbmeb-2697	16	23	economics	economic	NOUN
ajbmeb-2697	16	24	and	and	CCONJ
ajbmeb-2697	16	25	banking	banking	NOUN
ajbmeb-2697	16	26	volume	volume	NOUN
ajbmeb-2697	16	27	33	33	NUM
ajbmeb-2697	16	28	february	february	NOUN
ajbmeb-2697	16	29	2025	2025	NUM
ajbmeb-2697	16	30	p	p	NOUN
ajbmeb-2697	16	31	a	a	DET
ajbmeb-2697	16	32	g	g	NOUN
ajbmeb-2697	16	33	e	e	NOUN
ajbmeb-2697	16	34	|	|	ADV
ajbmeb-2697	16	35	24	24	NUM
ajbmeb-2697	16	36	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2697	16	37	return	return	NOUN
ajbmeb-2697	16	38	of	of	ADP
ajbmeb-2697	16	39	debts	debt	NOUN
ajbmeb-2697	16	40	that	that	PRON
ajbmeb-2697	16	41	are	be	AUX
ajbmeb-2697	16	42	"	"	PUNCT
ajbmeb-2697	16	43	unbearable	unbearable	ADJ
ajbmeb-2697	16	44	"	"	PUNCT
ajbmeb-2697	16	45	for	for	ADP
ajbmeb-2697	16	46	him	he	PRON
ajbmeb-2697	16	47	.	.	PUNCT
ajbmeb-2697	17	1	in	in	ADP
ajbmeb-2697	17	2	the	the	DET
ajbmeb-2697	17	3	course	course	NOUN
ajbmeb-2697	17	4	of	of	ADP
ajbmeb-2697	17	5	recognizing	recognize	VERB
ajbmeb-2697	17	6	a	a	DET
ajbmeb-2697	17	7	person	person	NOUN
ajbmeb-2697	17	8	as	as	ADP
ajbmeb-2697	17	9	bankrupt	bankrupt	ADJ
ajbmeb-2697	17	10	and	and	CCONJ
ajbmeb-2697	17	11	conducting	conduct	VERB
ajbmeb-2697	17	12	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	17	13	proceedings	proceeding	NOUN
ajbmeb-2697	17	14	,	,	PUNCT
ajbmeb-2697	17	15	creditors	creditor	NOUN
ajbmeb-2697	17	16	are	be	AUX
ajbmeb-2697	17	17	often	often	ADV
ajbmeb-2697	17	18	left	leave	VERB
ajbmeb-2697	17	19	"	"	PUNCT
ajbmeb-2697	17	20	with	with	ADP
ajbmeb-2697	17	21	nothing	nothing	PRON
ajbmeb-2697	17	22	"	"	PUNCT
ajbmeb-2697	17	23	,	,	PUNCT
ajbmeb-2697	17	24	since	since	SCONJ
ajbmeb-2697	17	25	the	the	DET
ajbmeb-2697	17	26	bankrupt	bankrupt	NOUN
ajbmeb-2697	17	27	's	's	PART
ajbmeb-2697	17	28	property	property	NOUN
ajbmeb-2697	17	29	is	be	AUX
ajbmeb-2697	17	30	clearly	clearly	ADV
ajbmeb-2697	17	31	insufficient	insufficient	ADJ
ajbmeb-2697	17	32	to	to	PART
ajbmeb-2697	17	33	satisfy	satisfy	VERB
ajbmeb-2697	17	34	the	the	DET
ajbmeb-2697	17	35	legal	legal	ADJ
ajbmeb-2697	17	36	claims	claim	NOUN
ajbmeb-2697	17	37	of	of	ADP
ajbmeb-2697	17	38	all	all	DET
ajbmeb-2697	17	39	creditors	creditor	NOUN
ajbmeb-2697	17	40	.	.	PUNCT
ajbmeb-2697	18	1	despite	despite	SCONJ
ajbmeb-2697	18	2	the	the	DET
ajbmeb-2697	18	3	prevalence	prevalence	NOUN
ajbmeb-2697	18	4	of	of	ADP
ajbmeb-2697	18	5	deliberate	deliberate	ADJ
ajbmeb-2697	18	6	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	18	7	,	,	PUNCT
ajbmeb-2697	18	8	it	it	PRON
ajbmeb-2697	18	9	does	do	AUX
ajbmeb-2697	18	10	not	not	PART
ajbmeb-2697	18	11	find	find	VERB
ajbmeb-2697	18	12	due	due	ADJ
ajbmeb-2697	18	13	qualification	qualification	NOUN
ajbmeb-2697	18	14	in	in	ADP
ajbmeb-2697	18	15	law	law	NOUN
ajbmeb-2697	18	16	enforcement	enforcement	NOUN
ajbmeb-2697	18	17	agencies	agency	NOUN
ajbmeb-2697	18	18	.	.	PUNCT
ajbmeb-2697	19	1	in	in	ADP
ajbmeb-2697	19	2	addition	addition	NOUN
ajbmeb-2697	19	3	,	,	PUNCT
ajbmeb-2697	19	4	given	give	VERB
ajbmeb-2697	19	5	that	that	SCONJ
ajbmeb-2697	19	6	arbitration	arbitration	NOUN
ajbmeb-2697	19	7	managers	manager	NOUN
ajbmeb-2697	19	8	have	have	AUX
ajbmeb-2697	19	9	the	the	DET
ajbmeb-2697	19	10	authority	authority	NOUN
ajbmeb-2697	19	11	(	(	PUNCT
ajbmeb-2697	19	12	duty	duty	NOUN
ajbmeb-2697	19	13	)	)	PUNCT
ajbmeb-2697	19	14	to	to	PART
ajbmeb-2697	19	15	identify	identify	VERB
ajbmeb-2697	19	16	signs	sign	NOUN
ajbmeb-2697	19	17	(	(	PUNCT
ajbmeb-2697	19	18	facts	fact	NOUN
ajbmeb-2697	19	19	)	)	PUNCT
ajbmeb-2697	19	20	of	of	ADP
ajbmeb-2697	19	21	deliberate	deliberate	ADJ
ajbmeb-2697	19	22	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	19	23	,	,	PUNCT
ajbmeb-2697	19	24	it	it	PRON
ajbmeb-2697	19	25	should	should	AUX
ajbmeb-2697	19	26	be	be	AUX
ajbmeb-2697	19	27	noted	note	VERB
ajbmeb-2697	19	28	that	that	SCONJ
ajbmeb-2697	19	29	in	in	ADP
ajbmeb-2697	19	30	many	many	ADJ
ajbmeb-2697	19	31	cases	case	NOUN
ajbmeb-2697	19	32	they	they	PRON
ajbmeb-2697	19	33	fail	fail	VERB
ajbmeb-2697	19	34	to	to	PART
ajbmeb-2697	19	35	fulfill	fulfill	VERB
ajbmeb-2697	19	36	their	their	PRON
ajbmeb-2697	19	37	duties	duty	NOUN
ajbmeb-2697	19	38	for	for	ADP
ajbmeb-2697	19	39	one	one	NUM
ajbmeb-2697	19	40	reason	reason	NOUN
ajbmeb-2697	19	41	or	or	CCONJ
ajbmeb-2697	19	42	another	another	PRON
ajbmeb-2697	19	43	.	.	PUNCT
ajbmeb-2697	20	1	in	in	ADP
ajbmeb-2697	20	2	this	this	DET
ajbmeb-2697	20	3	regard	regard	NOUN
ajbmeb-2697	20	4	,	,	PUNCT
ajbmeb-2697	20	5	the	the	DET
ajbmeb-2697	20	6	primary	primary	ADJ
ajbmeb-2697	20	7	responsibility	responsibility	NOUN
ajbmeb-2697	20	8	for	for	ADP
ajbmeb-2697	20	9	preventing	prevent	VERB
ajbmeb-2697	20	10	intentional	intentional	ADJ
ajbmeb-2697	20	11	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	20	12	should	should	AUX
ajbmeb-2697	20	13	lie	lie	VERB
ajbmeb-2697	20	14	with	with	ADP
ajbmeb-2697	20	15	the	the	DET
ajbmeb-2697	20	16	creditors	creditor	NOUN
ajbmeb-2697	20	17	themselves	themselves	PRON
ajbmeb-2697	20	18	.	.	PUNCT
ajbmeb-2697	21	1	however	however	ADV
ajbmeb-2697	21	2	,	,	PUNCT
ajbmeb-2697	21	3	to	to	PART
ajbmeb-2697	21	4	do	do	VERB
ajbmeb-2697	21	5	this	this	PRON
ajbmeb-2697	21	6	,	,	PUNCT
ajbmeb-2697	21	7	they	they	PRON
ajbmeb-2697	21	8	must	must	AUX
ajbmeb-2697	21	9	have	have	VERB
ajbmeb-2697	21	10	an	an	DET
ajbmeb-2697	21	11	understanding	understanding	NOUN
ajbmeb-2697	21	12	of	of	ADP
ajbmeb-2697	21	13	the	the	DET
ajbmeb-2697	21	14	main	main	ADJ
ajbmeb-2697	21	15	goals	goal	NOUN
ajbmeb-2697	21	16	and	and	CCONJ
ajbmeb-2697	21	17	characteristics	characteristic	NOUN
ajbmeb-2697	21	18	of	of	ADP
ajbmeb-2697	21	19	the	the	DET
ajbmeb-2697	21	20	commission	commission	NOUN
ajbmeb-2697	21	21	of	of	ADP
ajbmeb-2697	21	22	this	this	DET
ajbmeb-2697	21	23	act	act	NOUN
ajbmeb-2697	21	24	[	[	X
ajbmeb-2697	21	25	2	2	NUM
ajbmeb-2697	21	26	]	]	PUNCT
ajbmeb-2697	21	27	.	.	PUNCT
ajbmeb-2697	22	1	often	often	ADV
ajbmeb-2697	22	2	,	,	PUNCT
ajbmeb-2697	22	3	deliberate	deliberate	ADJ
ajbmeb-2697	22	4	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	22	5	is	be	AUX
ajbmeb-2697	22	6	committed	commit	VERB
ajbmeb-2697	22	7	with	with	ADP
ajbmeb-2697	22	8	the	the	DET
ajbmeb-2697	22	9	purpose	purpose	NOUN
ajbmeb-2697	22	10	of	of	ADP
ajbmeb-2697	22	11	avoiding	avoid	VERB
ajbmeb-2697	22	12	payment	payment	NOUN
ajbmeb-2697	22	13	of	of	ADP
ajbmeb-2697	22	14	accounts	account	NOUN
ajbmeb-2697	22	15	payable	payable	ADJ
ajbmeb-2697	22	16	by	by	ADP
ajbmeb-2697	22	17	stealing	steal	VERB
ajbmeb-2697	22	18	the	the	DET
ajbmeb-2697	22	19	property	property	NOUN
ajbmeb-2697	22	20	of	of	ADP
ajbmeb-2697	22	21	the	the	DET
ajbmeb-2697	22	22	enterprise	enterprise	NOUN
ajbmeb-2697	22	23	,	,	PUNCT
ajbmeb-2697	22	24	coupled	couple	VERB
ajbmeb-2697	22	25	with	with	ADP
ajbmeb-2697	22	26	the	the	DET
ajbmeb-2697	22	27	transfer	transfer	NOUN
ajbmeb-2697	22	28	of	of	ADP
ajbmeb-2697	22	29	funds	fund	NOUN
ajbmeb-2697	22	30	of	of	ADP
ajbmeb-2697	22	31	the	the	DET
ajbmeb-2697	22	32	"	"	PUNCT
ajbmeb-2697	22	33	insolvent	insolvent	ADJ
ajbmeb-2697	22	34	"	"	PUNCT
ajbmeb-2697	22	35	enterprise	enterprise	NOUN
ajbmeb-2697	22	36	to	to	ADP
ajbmeb-2697	22	37	structures	structure	NOUN
ajbmeb-2697	22	38	controlled	control	VERB
ajbmeb-2697	22	39	by	by	ADP
ajbmeb-2697	22	40	the	the	DET
ajbmeb-2697	22	41	guilty	guilty	ADJ
ajbmeb-2697	22	42	party	party	NOUN
ajbmeb-2697	22	43	.	.	PUNCT
ajbmeb-2697	23	1	the	the	DET
ajbmeb-2697	23	2	meaning	meaning	NOUN
ajbmeb-2697	23	3	of	of	ADP
ajbmeb-2697	23	4	this	this	DET
ajbmeb-2697	23	5	criminal	criminal	ADJ
ajbmeb-2697	23	6	structure	structure	NOUN
ajbmeb-2697	23	7	is	be	AUX
ajbmeb-2697	23	8	that	that	SCONJ
ajbmeb-2697	23	9	,	,	PUNCT
ajbmeb-2697	23	10	in	in	ADP
ajbmeb-2697	23	11	accordance	accordance	NOUN
ajbmeb-2697	23	12	with	with	ADP
ajbmeb-2697	23	13	the	the	DET
ajbmeb-2697	23	14	civil	civil	ADJ
ajbmeb-2697	23	15	legislation	legislation	NOUN
ajbmeb-2697	23	16	of	of	ADP
ajbmeb-2697	23	17	the	the	DET
ajbmeb-2697	23	18	republic	republic	NOUN
ajbmeb-2697	23	19	of	of	ADP
ajbmeb-2697	23	20	uzbekistan	uzbekistan	PROPN
ajbmeb-2697	23	21	[	[	X
ajbmeb-2697	23	22	1	1	NUM
ajbmeb-2697	23	23	]	]	PUNCT
ajbmeb-2697	23	24	,	,	PUNCT
ajbmeb-2697	23	25	creditors	creditor	NOUN
ajbmeb-2697	23	26	'	'	PART
ajbmeb-2697	23	27	claims	claim	NOUN
ajbmeb-2697	23	28	that	that	PRON
ajbmeb-2697	23	29	are	be	AUX
ajbmeb-2697	23	30	not	not	PART
ajbmeb-2697	23	31	satisfied	satisfied	ADJ
ajbmeb-2697	23	32	due	due	ADP
ajbmeb-2697	23	33	to	to	ADP
ajbmeb-2697	23	34	the	the	DET
ajbmeb-2697	23	35	insufficiency	insufficiency	NOUN
ajbmeb-2697	23	36	of	of	ADP
ajbmeb-2697	23	37	the	the	DET
ajbmeb-2697	23	38	property	property	NOUN
ajbmeb-2697	23	39	of	of	ADP
ajbmeb-2697	23	40	the	the	DET
ajbmeb-2697	23	41	liquidated	liquidate	VERB
ajbmeb-2697	23	42	legal	legal	ADJ
ajbmeb-2697	23	43	entity	entity	NOUN
ajbmeb-2697	23	44	are	be	AUX
ajbmeb-2697	23	45	considered	consider	VERB
ajbmeb-2697	23	46	to	to	PART
ajbmeb-2697	23	47	be	be	AUX
ajbmeb-2697	23	48	extinguished	extinguish	VERB
ajbmeb-2697	23	49	.	.	PUNCT
ajbmeb-2697	24	1	in	in	ADP
ajbmeb-2697	24	2	addition	addition	NOUN
ajbmeb-2697	24	3	to	to	ADP
ajbmeb-2697	24	4	this	this	DET
ajbmeb-2697	24	5	problem	problem	NOUN
ajbmeb-2697	24	6	,	,	PUNCT
ajbmeb-2697	24	7	the	the	DET
ajbmeb-2697	24	8	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	24	9	procedure	procedure	NOUN
ajbmeb-2697	24	10	itself	itself	PRON
ajbmeb-2697	24	11	is	be	AUX
ajbmeb-2697	24	12	very	very	ADV
ajbmeb-2697	24	13	complex	complex	ADJ
ajbmeb-2697	24	14	and	and	CCONJ
ajbmeb-2697	24	15	lengthy	lengthy	ADJ
ajbmeb-2697	24	16	,	,	PUNCT
ajbmeb-2697	24	17	since	since	SCONJ
ajbmeb-2697	24	18	effectively	effectively	ADV
ajbmeb-2697	24	19	conducting	conduct	VERB
ajbmeb-2697	24	20	the	the	DET
ajbmeb-2697	24	21	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	24	22	procedure	procedure	NOUN
ajbmeb-2697	24	23	does	do	AUX
ajbmeb-2697	24	24	not	not	PART
ajbmeb-2697	24	25	mean	mean	VERB
ajbmeb-2697	24	26	simply	simply	ADV
ajbmeb-2697	24	27	being	be	AUX
ajbmeb-2697	24	28	present	present	ADJ
ajbmeb-2697	24	29	at	at	ADP
ajbmeb-2697	24	30	the	the	DET
ajbmeb-2697	24	31	procedure	procedure	NOUN
ajbmeb-2697	24	32	.	.	PUNCT
ajbmeb-2697	25	1	correct	correct	ADJ
ajbmeb-2697	25	2	interaction	interaction	NOUN
ajbmeb-2697	25	3	with	with	ADP
ajbmeb-2697	25	4	creditors	creditor	NOUN
ajbmeb-2697	25	5	and	and	CCONJ
ajbmeb-2697	25	6	correct	correct	ADJ
ajbmeb-2697	25	7	communication	communication	NOUN
ajbmeb-2697	25	8	with	with	ADP
ajbmeb-2697	25	9	arbitration	arbitration	NOUN
ajbmeb-2697	25	10	managers	manager	NOUN
ajbmeb-2697	25	11	are	be	AUX
ajbmeb-2697	25	12	required	require	VERB
ajbmeb-2697	25	13	.	.	PUNCT
ajbmeb-2697	26	1	effective	effective	ADJ
ajbmeb-2697	26	2	actions	action	NOUN
ajbmeb-2697	26	3	are	be	AUX
ajbmeb-2697	26	4	needed	need	VERB
ajbmeb-2697	26	5	to	to	PART
ajbmeb-2697	26	6	search	search	VERB
ajbmeb-2697	26	7	for	for	ADP
ajbmeb-2697	26	8	the	the	DET
ajbmeb-2697	26	9	debtor	debtor	NOUN
ajbmeb-2697	26	10	's	's	PART
ajbmeb-2697	26	11	assets	asset	NOUN
ajbmeb-2697	26	12	,	,	PUNCT
ajbmeb-2697	26	13	to	to	PART
ajbmeb-2697	26	14	challenge	challenge	VERB
ajbmeb-2697	26	15	transactions	transaction	NOUN
ajbmeb-2697	26	16	concluded	conclude	VERB
ajbmeb-2697	26	17	by	by	ADP
ajbmeb-2697	26	18	the	the	DET
ajbmeb-2697	26	19	debtor	debtor	NOUN
ajbmeb-2697	26	20	on	on	ADP
ajbmeb-2697	26	21	the	the	DET
ajbmeb-2697	26	22	eve	eve	NOUN
ajbmeb-2697	26	23	of	of	ADP
ajbmeb-2697	26	24	the	the	DET
ajbmeb-2697	26	25	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	26	26	procedure	procedure	NOUN
ajbmeb-2697	26	27	.	.	PUNCT
ajbmeb-2697	27	1	in	in	ADP
ajbmeb-2697	27	2	addition	addition	NOUN
ajbmeb-2697	27	3	,	,	PUNCT
ajbmeb-2697	27	4	an	an	DET
ajbmeb-2697	27	5	adequate	adequate	ADJ
ajbmeb-2697	27	6	assessment	assessment	NOUN
ajbmeb-2697	27	7	of	of	ADP
ajbmeb-2697	27	8	the	the	DET
ajbmeb-2697	27	9	assets	asset	NOUN
ajbmeb-2697	27	10	that	that	PRON
ajbmeb-2697	27	11	can	can	AUX
ajbmeb-2697	27	12	be	be	AUX
ajbmeb-2697	27	13	sold	sell	VERB
ajbmeb-2697	27	14	within	within	ADP
ajbmeb-2697	27	15	the	the	DET
ajbmeb-2697	27	16	framework	framework	NOUN
ajbmeb-2697	27	17	of	of	ADP
ajbmeb-2697	27	18	the	the	DET
ajbmeb-2697	27	19	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	27	20	case	case	NOUN
ajbmeb-2697	27	21	is	be	AUX
ajbmeb-2697	27	22	necessary	necessary	ADJ
ajbmeb-2697	27	23	.	.	PUNCT
ajbmeb-2697	28	1	plus	plus	CCONJ
ajbmeb-2697	28	2	,	,	PUNCT
ajbmeb-2697	28	3	the	the	DET
ajbmeb-2697	28	4	effective	effective	ADJ
ajbmeb-2697	28	5	conduct	conduct	NOUN
ajbmeb-2697	28	6	of	of	ADP
ajbmeb-2697	28	7	the	the	DET
ajbmeb-2697	28	8	auctions	auction	NOUN
ajbmeb-2697	28	9	themselves	themselves	PRON
ajbmeb-2697	28	10	and	and	CCONJ
ajbmeb-2697	28	11	,	,	PUNCT
ajbmeb-2697	28	12	as	as	ADP
ajbmeb-2697	28	13	a	a	DET
ajbmeb-2697	28	14	result	result	NOUN
ajbmeb-2697	28	15	,	,	PUNCT
ajbmeb-2697	28	16	the	the	DET
ajbmeb-2697	28	17	maximum	maximum	ADJ
ajbmeb-2697	28	18	return	return	NOUN
ajbmeb-2697	28	19	of	of	ADP
ajbmeb-2697	28	20	money	money	NOUN
ajbmeb-2697	28	21	[	[	X
ajbmeb-2697	28	22	3	3	NUM
ajbmeb-2697	28	23	]	]	PUNCT
ajbmeb-2697	28	24	.	.	PUNCT
ajbmeb-2697	29	1	in	in	ADP
ajbmeb-2697	29	2	addition	addition	NOUN
ajbmeb-2697	29	3	to	to	ADP
ajbmeb-2697	29	4	the	the	DET
ajbmeb-2697	29	5	problems	problem	NOUN
ajbmeb-2697	29	6	in	in	ADP
ajbmeb-2697	29	7	the	the	DET
ajbmeb-2697	29	8	legislation	legislation	NOUN
ajbmeb-2697	29	9	governing	govern	VERB
ajbmeb-2697	29	10	work	work	NOUN
ajbmeb-2697	29	11	with	with	ADP
ajbmeb-2697	29	12	problematic	problematic	ADJ
ajbmeb-2697	29	13	debt	debt	NOUN
ajbmeb-2697	29	14	,	,	PUNCT
ajbmeb-2697	29	15	there	there	PRON
ajbmeb-2697	29	16	are	be	VERB
ajbmeb-2697	29	17	certain	certain	ADJ
ajbmeb-2697	29	18	difficulties	difficulty	NOUN
ajbmeb-2697	29	19	in	in	ADP
ajbmeb-2697	29	20	the	the	DET
ajbmeb-2697	29	21	organizational	organizational	ADJ
ajbmeb-2697	29	22	process	process	NOUN
ajbmeb-2697	29	23	.	.	PUNCT
ajbmeb-2697	30	1	thus	thus	ADV
ajbmeb-2697	30	2	,	,	PUNCT
ajbmeb-2697	30	3	one	one	NUM
ajbmeb-2697	30	4	of	of	ADP
ajbmeb-2697	30	5	the	the	DET
ajbmeb-2697	30	6	problems	problem	NOUN
ajbmeb-2697	30	7	is	be	AUX
ajbmeb-2697	30	8	the	the	DET
ajbmeb-2697	30	9	bureaucratic	bureaucratic	ADJ
ajbmeb-2697	30	10	structure	structure	NOUN
ajbmeb-2697	30	11	of	of	ADP
ajbmeb-2697	30	12	the	the	DET
ajbmeb-2697	30	13	bank	bank	NOUN
ajbmeb-2697	30	14	,	,	PUNCT
ajbmeb-2697	30	15	in	in	ADP
ajbmeb-2697	30	16	which	which	PRON
ajbmeb-2697	30	17	there	there	PRON
ajbmeb-2697	30	18	are	be	VERB
ajbmeb-2697	30	19	many	many	ADJ
ajbmeb-2697	30	20	departments	department	NOUN
ajbmeb-2697	30	21	,	,	PUNCT
ajbmeb-2697	30	22	each	each	PRON
ajbmeb-2697	30	23	of	of	ADP
ajbmeb-2697	30	24	which	which	PRON
ajbmeb-2697	30	25	performs	perform	VERB
ajbmeb-2697	30	26	its	its	PRON
ajbmeb-2697	30	27	own	own	ADJ
ajbmeb-2697	30	28	functions	function	NOUN
ajbmeb-2697	30	29	and	and	CCONJ
ajbmeb-2697	30	30	responsibilities	responsibility	NOUN
ajbmeb-2697	30	31	,	,	PUNCT
ajbmeb-2697	30	32	in	in	ADP
ajbmeb-2697	30	33	fact	fact	NOUN
ajbmeb-2697	30	34	,	,	PUNCT
ajbmeb-2697	30	35	the	the	DET
ajbmeb-2697	30	36	client	client	NOUN
ajbmeb-2697	30	37	is	be	AUX
ajbmeb-2697	30	38	not	not	PART
ajbmeb-2697	30	39	assigned	assign	VERB
ajbmeb-2697	30	40	to	to	ADP
ajbmeb-2697	30	41	anyone	anyone	PRON
ajbmeb-2697	30	42	.	.	PUNCT
ajbmeb-2697	31	1	also	also	ADV
ajbmeb-2697	31	2	,	,	PUNCT
ajbmeb-2697	31	3	almost	almost	ADV
ajbmeb-2697	31	4	every	every	PRON
ajbmeb-2697	31	5	action	action	NOUN
ajbmeb-2697	31	6	of	of	ADP
ajbmeb-2697	31	7	a	a	DET
ajbmeb-2697	31	8	specialist	specialist	NOUN
ajbmeb-2697	31	9	in	in	ADP
ajbmeb-2697	31	10	the	the	DET
ajbmeb-2697	31	11	process	process	NOUN
ajbmeb-2697	31	12	of	of	ADP
ajbmeb-2697	31	13	his	his	PRON
ajbmeb-2697	31	14	work	work	NOUN
ajbmeb-2697	31	15	with	with	ADP
ajbmeb-2697	31	16	problematic	problematic	ADJ
ajbmeb-2697	31	17	debt	debt	NOUN
ajbmeb-2697	31	18	is	be	AUX
ajbmeb-2697	31	19	accompanied	accompany	VERB
ajbmeb-2697	31	20	by	by	ADP
ajbmeb-2697	31	21	documentation	documentation	NOUN
ajbmeb-2697	31	22	,	,	PUNCT
ajbmeb-2697	31	23	it	it	PRON
ajbmeb-2697	31	24	is	be	AUX
ajbmeb-2697	31	25	necessary	necessary	ADJ
ajbmeb-2697	31	26	to	to	PART
ajbmeb-2697	31	27	make	make	VERB
ajbmeb-2697	31	28	many	many	ADJ
ajbmeb-2697	31	29	value	value	NOUN
ajbmeb-2697	31	30	judgments	judgment	NOUN
ajbmeb-2697	31	31	.	.	PUNCT
ajbmeb-2697	32	1	such	such	DET
ajbmeb-2697	32	2	a	a	DET
ajbmeb-2697	32	3	complex	complex	ADJ
ajbmeb-2697	32	4	organizational	organizational	ADJ
ajbmeb-2697	32	5	structure	structure	NOUN
ajbmeb-2697	32	6	extends	extend	VERB
ajbmeb-2697	32	7	the	the	DET
ajbmeb-2697	32	8	time	time	NOUN
ajbmeb-2697	32	9	with	with	ADP
ajbmeb-2697	32	10	a	a	DET
ajbmeb-2697	32	11	problem	problem	NOUN
ajbmeb-2697	32	12	asset	asset	NOUN
ajbmeb-2697	32	13	.	.	PUNCT
ajbmeb-2697	33	1	the	the	DET
ajbmeb-2697	33	2	department	department	NOUN
ajbmeb-2697	33	3	for	for	ADP
ajbmeb-2697	33	4	work	work	NOUN
ajbmeb-2697	33	5	with	with	ADP
ajbmeb-2697	33	6	problem	problem	NOUN
ajbmeb-2697	33	7	assets	asset	NOUN
ajbmeb-2697	33	8	works	work	VERB
ajbmeb-2697	33	9	with	with	ADP
ajbmeb-2697	33	10	corporate	corporate	ADJ
ajbmeb-2697	33	11	clients	client	NOUN
ajbmeb-2697	33	12	.	.	PUNCT
ajbmeb-2697	34	1	enterprises	enterprise	NOUN
ajbmeb-2697	34	2	can	can	AUX
ajbmeb-2697	34	3	have	have	VERB
ajbmeb-2697	34	4	different	different	ADJ
ajbmeb-2697	34	5	profiles	profile	NOUN
ajbmeb-2697	34	6	,	,	PUNCT
ajbmeb-2697	34	7	in	in	ADP
ajbmeb-2697	34	8	this	this	DET
ajbmeb-2697	34	9	regard	regard	NOUN
ajbmeb-2697	34	10	,	,	PUNCT
ajbmeb-2697	34	11	it	it	PRON
ajbmeb-2697	34	12	is	be	AUX
ajbmeb-2697	34	13	necessary	necessary	ADJ
ajbmeb-2697	34	14	to	to	PART
ajbmeb-2697	34	15	have	have	VERB
ajbmeb-2697	34	16	a	a	DET
ajbmeb-2697	34	17	lot	lot	NOUN
ajbmeb-2697	34	18	of	of	ADP
ajbmeb-2697	34	19	information	information	NOUN
ajbmeb-2697	34	20	to	to	PART
ajbmeb-2697	34	21	work	work	VERB
ajbmeb-2697	34	22	with	with	ADP
ajbmeb-2697	34	23	them	they	PRON
ajbmeb-2697	34	24	,	,	PUNCT
ajbmeb-2697	34	25	and	and	CCONJ
ajbmeb-2697	34	26	it	it	PRON
ajbmeb-2697	34	27	is	be	AUX
ajbmeb-2697	34	28	also	also	ADV
ajbmeb-2697	34	29	necessary	necessary	ADJ
ajbmeb-2697	34	30	to	to	PART
ajbmeb-2697	34	31	know	know	VERB
ajbmeb-2697	34	32	the	the	DET
ajbmeb-2697	34	33	intricacies	intricacy	NOUN
ajbmeb-2697	34	34	of	of	ADP
ajbmeb-2697	34	35	each	each	DET
ajbmeb-2697	34	36	business	business	NOUN
ajbmeb-2697	34	37	.	.	PUNCT
ajbmeb-2697	35	1	since	since	SCONJ
ajbmeb-2697	35	2	clients	client	NOUN
ajbmeb-2697	35	3	are	be	AUX
ajbmeb-2697	35	4	different	different	ADJ
ajbmeb-2697	35	5	,	,	PUNCT
ajbmeb-2697	35	6	each	each	DET
ajbmeb-2697	35	7	one	one	NOUN
ajbmeb-2697	35	8	needs	need	VERB
ajbmeb-2697	35	9	its	its	PRON
ajbmeb-2697	35	10	own	own	ADJ
ajbmeb-2697	35	11	approach	approach	NOUN
ajbmeb-2697	35	12	,	,	PUNCT
ajbmeb-2697	35	13	develop	develop	VERB
ajbmeb-2697	35	14	a	a	DET
ajbmeb-2697	35	15	plan	plan	NOUN
ajbmeb-2697	35	16	.	.	PUNCT
ajbmeb-2697	36	1	the	the	DET
ajbmeb-2697	36	2	mechanism	mechanism	NOUN
ajbmeb-2697	36	3	for	for	ADP
ajbmeb-2697	36	4	working	work	VERB
ajbmeb-2697	36	5	with	with	ADP
ajbmeb-2697	36	6	problem	problem	NOUN
ajbmeb-2697	36	7	assets	asset	NOUN
ajbmeb-2697	36	8	is	be	AUX
ajbmeb-2697	36	9	quite	quite	ADV
ajbmeb-2697	36	10	complex	complex	ADJ
ajbmeb-2697	36	11	,	,	PUNCT
ajbmeb-2697	36	12	labor	labor	NOUN
ajbmeb-2697	36	13	-	-	PUNCT
ajbmeb-2697	36	14	intensive	intensive	ADJ
ajbmeb-2697	36	15	and	and	CCONJ
ajbmeb-2697	36	16	lengthy	lengthy	ADJ
ajbmeb-2697	36	17	,	,	PUNCT
ajbmeb-2697	36	18	since	since	SCONJ
ajbmeb-2697	36	19	there	there	PRON
ajbmeb-2697	36	20	are	be	VERB
ajbmeb-2697	36	21	many	many	ADJ
ajbmeb-2697	36	22	procedures	procedure	NOUN
ajbmeb-2697	36	23	in	in	ADP
ajbmeb-2697	36	24	this	this	DET
ajbmeb-2697	36	25	process	process	NOUN
ajbmeb-2697	36	26	,	,	PUNCT
ajbmeb-2697	36	27	as	as	ADP
ajbmeb-2697	36	28	a	a	DET
ajbmeb-2697	36	29	result	result	NOUN
ajbmeb-2697	36	30	of	of	ADP
ajbmeb-2697	36	31	which	which	PRON
ajbmeb-2697	36	32	employees	employee	NOUN
ajbmeb-2697	36	33	do	do	AUX
ajbmeb-2697	36	34	not	not	PART
ajbmeb-2697	36	35	have	have	VERB
ajbmeb-2697	36	36	enough	enough	ADJ
ajbmeb-2697	36	37	time	time	NOUN
ajbmeb-2697	36	38	.	.	PUNCT
ajbmeb-2697	37	1	on	on	ADP
ajbmeb-2697	37	2	the	the	DET
ajbmeb-2697	37	3	one	one	NUM
ajbmeb-2697	37	4	hand	hand	NOUN
ajbmeb-2697	37	5	,	,	PUNCT
ajbmeb-2697	37	6	it	it	PRON
ajbmeb-2697	37	7	is	be	AUX
ajbmeb-2697	37	8	possible	possible	ADJ
ajbmeb-2697	37	9	to	to	PART
ajbmeb-2697	37	10	increase	increase	VERB
ajbmeb-2697	37	11	the	the	DET
ajbmeb-2697	37	12	staff	staff	NOUN
ajbmeb-2697	37	13	of	of	ADP
ajbmeb-2697	37	14	employees	employee	NOUN
ajbmeb-2697	37	15	,	,	PUNCT
ajbmeb-2697	37	16	in	in	ADP
ajbmeb-2697	37	17	this	this	DET
ajbmeb-2697	37	18	case	case	NOUN
ajbmeb-2697	37	19	the	the	DET
ajbmeb-2697	37	20	efficiency	efficiency	NOUN
ajbmeb-2697	37	21	of	of	ADP
ajbmeb-2697	37	22	the	the	DET
ajbmeb-2697	37	23	bank	bank	NOUN
ajbmeb-2697	37	24	may	may	AUX
ajbmeb-2697	37	25	increase	increase	VERB
ajbmeb-2697	37	26	.	.	PUNCT
ajbmeb-2697	38	1	but	but	CCONJ
ajbmeb-2697	38	2	,	,	PUNCT
ajbmeb-2697	38	3	on	on	ADP
ajbmeb-2697	38	4	the	the	DET
ajbmeb-2697	38	5	other	other	ADJ
ajbmeb-2697	38	6	hand	hand	NOUN
ajbmeb-2697	38	7	,	,	PUNCT
ajbmeb-2697	38	8	for	for	ADP
ajbmeb-2697	38	9	the	the	DET
ajbmeb-2697	38	10	bank	bank	NOUN
ajbmeb-2697	38	11	these	these	PRON
ajbmeb-2697	38	12	are	be	AUX
ajbmeb-2697	38	13	additional	additional	ADJ
ajbmeb-2697	38	14	costs	cost	NOUN
ajbmeb-2697	38	15	for	for	ADP
ajbmeb-2697	38	16	wages	wage	NOUN
ajbmeb-2697	38	17	.	.	PUNCT
ajbmeb-2697	39	1	there	there	PRON
ajbmeb-2697	39	2	is	be	VERB
ajbmeb-2697	39	3	also	also	ADV
ajbmeb-2697	39	4	a	a	DET
ajbmeb-2697	39	5	certain	certain	ADJ
ajbmeb-2697	39	6	seasonality	seasonality	NOUN
ajbmeb-2697	39	7	in	in	ADP
ajbmeb-2697	39	8	this	this	DET
ajbmeb-2697	39	9	work	work	NOUN
ajbmeb-2697	39	10	,	,	PUNCT
ajbmeb-2697	39	11	so	so	SCONJ
ajbmeb-2697	39	12	you	you	PRON
ajbmeb-2697	39	13	can	can	AUX
ajbmeb-2697	39	14	not	not	PART
ajbmeb-2697	39	15	take	take	VERB
ajbmeb-2697	39	16	additional	additional	ADJ
ajbmeb-2697	39	17	employees	employee	NOUN
ajbmeb-2697	39	18	for	for	ADP
ajbmeb-2697	39	19	a	a	DET
ajbmeb-2697	39	20	short	short	ADJ
ajbmeb-2697	39	21	period	period	NOUN
ajbmeb-2697	39	22	.	.	PUNCT
ajbmeb-2697	40	1	in	in	ADP
ajbmeb-2697	40	2	addition	addition	NOUN
ajbmeb-2697	40	3	to	to	ADP
ajbmeb-2697	40	4	organizational	organizational	ADJ
ajbmeb-2697	40	5	problems	problem	NOUN
ajbmeb-2697	40	6	,	,	PUNCT
ajbmeb-2697	40	7	difficulties	difficulty	NOUN
ajbmeb-2697	40	8	with	with	ADP
ajbmeb-2697	40	9	repayment	repayment	NOUN
ajbmeb-2697	40	10	of	of	ADP
ajbmeb-2697	40	11	loans	loan	NOUN
ajbmeb-2697	40	12	may	may	AUX
ajbmeb-2697	40	13	also	also	ADV
ajbmeb-2697	40	14	arise	arise	VERB
ajbmeb-2697	40	15	due	due	ADP
ajbmeb-2697	40	16	to	to	ADP
ajbmeb-2697	40	17	the	the	DET
ajbmeb-2697	40	18	fault	fault	NOUN
ajbmeb-2697	40	19	of	of	ADP
ajbmeb-2697	40	20	bank	bank	NOUN
ajbmeb-2697	40	21	employees	employee	NOUN
ajbmeb-2697	40	22	.	.	PUNCT
ajbmeb-2697	41	1	these	these	PRON
ajbmeb-2697	41	2	may	may	AUX
ajbmeb-2697	41	3	be	be	AUX
ajbmeb-2697	41	4	the	the	DET
ajbmeb-2697	41	5	following	follow	VERB
ajbmeb-2697	41	6	reasons	reason	NOUN
ajbmeb-2697	41	7	:	:	PUNCT
ajbmeb-2697	41	8	american	american	PROPN
ajbmeb-2697	41	9	journal	journal	PROPN
ajbmeb-2697	41	10	of	of	ADP
ajbmeb-2697	41	11	business	business	NOUN
ajbmeb-2697	41	12	management	management	NOUN
ajbmeb-2697	41	13	,	,	PUNCT
ajbmeb-2697	41	14	economics	economic	NOUN
ajbmeb-2697	41	15	and	and	CCONJ
ajbmeb-2697	41	16	banking	banking	NOUN
ajbmeb-2697	41	17	volume	volume	NOUN
ajbmeb-2697	41	18	33	33	NUM
ajbmeb-2697	41	19	february	february	NOUN
ajbmeb-2697	41	20	2025	2025	NUM
ajbmeb-2697	41	21	p	p	NOUN
ajbmeb-2697	42	1	a	a	DET
ajbmeb-2697	42	2	g	g	NOUN
ajbmeb-2697	42	3	e	e	NOUN
ajbmeb-2697	42	4	|	|	NOUN
ajbmeb-2697	42	5	25	25	NUM
ajbmeb-2697	42	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2697	42	7	we	we	PRON
ajbmeb-2697	42	8	can	can	AUX
ajbmeb-2697	42	9	also	also	ADV
ajbmeb-2697	42	10	highlight	highlight	VERB
ajbmeb-2697	42	11	the	the	DET
ajbmeb-2697	42	12	problems	problem	NOUN
ajbmeb-2697	42	13	of	of	ADP
ajbmeb-2697	42	14	dishonesty	dishonesty	NOUN
ajbmeb-2697	42	15	of	of	ADP
ajbmeb-2697	42	16	bank	bank	NOUN
ajbmeb-2697	42	17	employees	employee	NOUN
ajbmeb-2697	42	18	:	:	PUNCT
ajbmeb-2697	42	19	✓	✓	VERB
ajbmeb-2697	42	20	the	the	DET
ajbmeb-2697	42	21	first	first	ADJ
ajbmeb-2697	42	22	problem	problem	NOUN
ajbmeb-2697	42	23	appears	appear	VERB
ajbmeb-2697	42	24	when	when	SCONJ
ajbmeb-2697	42	25	credit	credit	NOUN
ajbmeb-2697	42	26	officers	officer	NOUN
ajbmeb-2697	42	27	issue	issue	VERB
ajbmeb-2697	42	28	a	a	DET
ajbmeb-2697	42	29	clearly	clearly	ADV
ajbmeb-2697	42	30	problematic	problematic	ADJ
ajbmeb-2697	42	31	(	(	PUNCT
ajbmeb-2697	42	32	non	non	ADJ
ajbmeb-2697	42	33	-	-	ADJ
ajbmeb-2697	42	34	repayable	repayable	ADJ
ajbmeb-2697	42	35	)	)	PUNCT
ajbmeb-2697	42	36	loan	loan	NOUN
ajbmeb-2697	42	37	to	to	ADP
ajbmeb-2697	42	38	an	an	DET
ajbmeb-2697	42	39	obviously	obviously	ADV
ajbmeb-2697	42	40	insolvent	insolvent	ADJ
ajbmeb-2697	42	41	borrower	borrower	NOUN
ajbmeb-2697	42	42	.	.	PUNCT
ajbmeb-2697	43	1	✓	✓	ADJ
ajbmeb-2697	43	2	the	the	DET
ajbmeb-2697	43	3	second	second	ADJ
ajbmeb-2697	43	4	problem	problem	NOUN
ajbmeb-2697	43	5	is	be	AUX
ajbmeb-2697	43	6	that	that	SCONJ
ajbmeb-2697	43	7	if	if	SCONJ
ajbmeb-2697	43	8	the	the	DET
ajbmeb-2697	43	9	company	company	NOUN
ajbmeb-2697	43	10	is	be	AUX
ajbmeb-2697	43	11	large	large	ADJ
ajbmeb-2697	43	12	,	,	PUNCT
ajbmeb-2697	43	13	then	then	ADV
ajbmeb-2697	43	14	credit	credit	NOUN
ajbmeb-2697	43	15	officers	officer	NOUN
ajbmeb-2697	43	16	work	work	VERB
ajbmeb-2697	43	17	well	well	ADV
ajbmeb-2697	43	18	,	,	PUNCT
ajbmeb-2697	43	19	but	but	CCONJ
ajbmeb-2697	43	20	if	if	SCONJ
ajbmeb-2697	43	21	the	the	DET
ajbmeb-2697	43	22	company	company	NOUN
ajbmeb-2697	43	23	is	be	AUX
ajbmeb-2697	43	24	small	small	ADJ
ajbmeb-2697	43	25	(	(	PUNCT
ajbmeb-2697	43	26	5.6.7	5.6.7	NUM
ajbmeb-2697	43	27	million	million	NUM
ajbmeb-2697	43	28	)	)	PUNCT
ajbmeb-2697	43	29	,	,	PUNCT
ajbmeb-2697	43	30	then	then	ADV
ajbmeb-2697	43	31	credit	credit	NOUN
ajbmeb-2697	43	32	cards	card	NOUN
ajbmeb-2697	43	33	do	do	AUX
ajbmeb-2697	43	34	not	not	PART
ajbmeb-2697	43	35	work	work	VERB
ajbmeb-2697	43	36	well	well	ADV
ajbmeb-2697	43	37	,	,	PUNCT
ajbmeb-2697	43	38	as	as	ADP
ajbmeb-2697	43	39	a	a	DET
ajbmeb-2697	43	40	result	result	NOUN
ajbmeb-2697	43	41	of	of	ADP
ajbmeb-2697	43	42	which	which	PRON
ajbmeb-2697	43	43	arrears	arrear	NOUN
ajbmeb-2697	43	44	of	of	ADP
ajbmeb-2697	43	45	more	more	ADJ
ajbmeb-2697	43	46	than	than	ADP
ajbmeb-2697	43	47	90	90	NUM
ajbmeb-2697	43	48	days	day	NOUN
ajbmeb-2697	43	49	occur	occur	VERB
ajbmeb-2697	43	50	.	.	PUNCT
ajbmeb-2697	44	1	in	in	ADP
ajbmeb-2697	44	2	accordance	accordance	NOUN
ajbmeb-2697	44	3	with	with	ADP
ajbmeb-2697	44	4	the	the	DET
ajbmeb-2697	44	5	previously	previously	ADV
ajbmeb-2697	44	6	identified	identify	VERB
ajbmeb-2697	44	7	problems	problem	NOUN
ajbmeb-2697	44	8	,	,	PUNCT
ajbmeb-2697	44	9	it	it	PRON
ajbmeb-2697	44	10	is	be	AUX
ajbmeb-2697	44	11	necessary	necessary	ADJ
ajbmeb-2697	44	12	to	to	PART
ajbmeb-2697	44	13	develop	develop	VERB
ajbmeb-2697	44	14	recommendations	recommendation	NOUN
ajbmeb-2697	44	15	for	for	ADP
ajbmeb-2697	44	16	improving	improve	VERB
ajbmeb-2697	44	17	the	the	DET
ajbmeb-2697	44	18	organization	organization	NOUN
ajbmeb-2697	44	19	of	of	ADP
ajbmeb-2697	44	20	the	the	DET
ajbmeb-2697	44	21	bank	bank	NOUN
ajbmeb-2697	44	22	's	's	PART
ajbmeb-2697	44	23	work	work	NOUN
ajbmeb-2697	44	24	with	with	ADP
ajbmeb-2697	44	25	problem	problem	NOUN
ajbmeb-2697	44	26	loans	loan	NOUN
ajbmeb-2697	44	27	.	.	PUNCT
ajbmeb-2697	45	1	the	the	DET
ajbmeb-2697	45	2	first	first	ADJ
ajbmeb-2697	45	3	recommendation	recommendation	NOUN
ajbmeb-2697	45	4	is	be	AUX
ajbmeb-2697	45	5	related	relate	VERB
ajbmeb-2697	45	6	to	to	ADP
ajbmeb-2697	45	7	the	the	DET
ajbmeb-2697	45	8	usefulness	usefulness	NOUN
ajbmeb-2697	45	9	of	of	ADP
ajbmeb-2697	45	10	developing	develop	VERB
ajbmeb-2697	45	11	a	a	DET
ajbmeb-2697	45	12	standard	standard	NOUN
ajbmeb-2697	45	13	for	for	ADP
ajbmeb-2697	45	14	working	work	VERB
ajbmeb-2697	45	15	with	with	ADP
ajbmeb-2697	45	16	problem	problem	NOUN
ajbmeb-2697	45	17	assets	asset	NOUN
ajbmeb-2697	45	18	.	.	PUNCT
ajbmeb-2697	46	1	the	the	DET
ajbmeb-2697	46	2	presence	presence	NOUN
ajbmeb-2697	46	3	of	of	ADP
ajbmeb-2697	46	4	such	such	DET
ajbmeb-2697	46	5	a	a	DET
ajbmeb-2697	46	6	standard	standard	NOUN
ajbmeb-2697	46	7	will	will	AUX
ajbmeb-2697	46	8	help	help	VERB
ajbmeb-2697	46	9	harmonize	harmonize	VERB
ajbmeb-2697	46	10	the	the	DET
ajbmeb-2697	46	11	approaches	approach	NOUN
ajbmeb-2697	46	12	of	of	ADP
ajbmeb-2697	46	13	banks	bank	NOUN
ajbmeb-2697	46	14	and	and	CCONJ
ajbmeb-2697	46	15	regulators	regulator	NOUN
ajbmeb-2697	46	16	to	to	ADP
ajbmeb-2697	46	17	controversial	controversial	ADJ
ajbmeb-2697	46	18	issues	issue	NOUN
ajbmeb-2697	46	19	of	of	ADP
ajbmeb-2697	46	20	credit	credit	NOUN
ajbmeb-2697	46	21	institutions	institution	NOUN
ajbmeb-2697	46	22	'	'	PART
ajbmeb-2697	46	23	work	work	NOUN
ajbmeb-2697	46	24	with	with	ADP
ajbmeb-2697	46	25	problem	problem	NOUN
ajbmeb-2697	46	26	assets	asset	NOUN
ajbmeb-2697	46	27	,	,	PUNCT
ajbmeb-2697	46	28	will	will	AUX
ajbmeb-2697	46	29	provide	provide	VERB
ajbmeb-2697	46	30	additional	additional	ADJ
ajbmeb-2697	46	31	mechanisms	mechanism	NOUN
ajbmeb-2697	46	32	for	for	ADP
ajbmeb-2697	46	33	a	a	DET
ajbmeb-2697	46	34	reasonable	reasonable	ADJ
ajbmeb-2697	46	35	risk	risk	NOUN
ajbmeb-2697	46	36	assessment	assessment	NOUN
ajbmeb-2697	46	37	when	when	SCONJ
ajbmeb-2697	46	38	determining	determine	VERB
ajbmeb-2697	46	39	the	the	DET
ajbmeb-2697	46	40	amount	amount	NOUN
ajbmeb-2697	46	41	of	of	ADP
ajbmeb-2697	46	42	reserves	reserve	NOUN
ajbmeb-2697	46	43	formed	form	VERB
ajbmeb-2697	46	44	for	for	ADP
ajbmeb-2697	46	45	problem	problem	NOUN
ajbmeb-2697	46	46	assets	asset	NOUN
ajbmeb-2697	46	47	,	,	PUNCT
ajbmeb-2697	46	48	proven	prove	VERB
ajbmeb-2697	46	49	advanced	advanced	ADJ
ajbmeb-2697	46	50	methods	method	NOUN
ajbmeb-2697	46	51	for	for	ADP
ajbmeb-2697	46	52	working	work	VERB
ajbmeb-2697	46	53	with	with	ADP
ajbmeb-2697	46	54	problem	problem	NOUN
ajbmeb-2697	46	55	assets	asset	NOUN
ajbmeb-2697	46	56	and	and	CCONJ
ajbmeb-2697	46	57	document	document	NOUN
ajbmeb-2697	46	58	forms	form	NOUN
ajbmeb-2697	46	59	for	for	ADP
ajbmeb-2697	46	60	such	such	ADJ
ajbmeb-2697	46	61	work	work	NOUN
ajbmeb-2697	46	62	.	.	PUNCT
ajbmeb-2697	47	1	in	in	ADP
ajbmeb-2697	47	2	addition	addition	NOUN
ajbmeb-2697	47	3	,	,	PUNCT
ajbmeb-2697	47	4	the	the	DET
ajbmeb-2697	47	5	standard	standard	NOUN
ajbmeb-2697	47	6	will	will	AUX
ajbmeb-2697	47	7	reduce	reduce	VERB
ajbmeb-2697	47	8	the	the	DET
ajbmeb-2697	47	9	costs	cost	NOUN
ajbmeb-2697	47	10	of	of	ADP
ajbmeb-2697	47	11	financial	financial	ADJ
ajbmeb-2697	47	12	institutions	institution	NOUN
ajbmeb-2697	47	13	for	for	ADP
ajbmeb-2697	47	14	audit	audit	NOUN
ajbmeb-2697	47	15	,	,	PUNCT
ajbmeb-2697	47	16	legal	legal	ADJ
ajbmeb-2697	47	17	and	and	CCONJ
ajbmeb-2697	47	18	consulting	consult	VERB
ajbmeb-2697	47	19	services	service	NOUN
ajbmeb-2697	47	20	to	to	PART
ajbmeb-2697	47	21	support	support	VERB
ajbmeb-2697	47	22	work	work	NOUN
ajbmeb-2697	47	23	with	with	ADP
ajbmeb-2697	47	24	problem	problem	NOUN
ajbmeb-2697	47	25	assets	asset	NOUN
ajbmeb-2697	47	26	and	and	CCONJ
ajbmeb-2697	47	27	,	,	PUNCT
ajbmeb-2697	47	28	of	of	ADP
ajbmeb-2697	47	29	course	course	NOUN
ajbmeb-2697	47	30	,	,	PUNCT
ajbmeb-2697	47	31	will	will	AUX
ajbmeb-2697	47	32	increase	increase	VERB
ajbmeb-2697	47	33	the	the	DET
ajbmeb-2697	47	34	trust	trust	NOUN
ajbmeb-2697	47	35	of	of	ADP
ajbmeb-2697	47	36	counterparties	counterpartie	NOUN
ajbmeb-2697	47	37	and	and	CCONJ
ajbmeb-2697	47	38	the	the	DET
ajbmeb-2697	47	39	business	business	NOUN
ajbmeb-2697	47	40	community	community	NOUN
ajbmeb-2697	47	41	in	in	ADP
ajbmeb-2697	47	42	banks	bank	NOUN
ajbmeb-2697	47	43	[	[	X
ajbmeb-2697	47	44	5	5	NUM
ajbmeb-2697	47	45	]	]	PUNCT
ajbmeb-2697	47	46	.	.	PUNCT
ajbmeb-2697	48	1	the	the	DET
ajbmeb-2697	48	2	second	second	ADJ
ajbmeb-2697	48	3	problem	problem	NOUN
ajbmeb-2697	48	4	identified	identify	VERB
ajbmeb-2697	48	5	involved	involve	VERB
ajbmeb-2697	48	6	evasion	evasion	NOUN
ajbmeb-2697	48	7	of	of	ADP
ajbmeb-2697	48	8	debt	debt	NOUN
ajbmeb-2697	48	9	repayment	repayment	NOUN
ajbmeb-2697	48	10	within	within	ADP
ajbmeb-2697	48	11	the	the	DET
ajbmeb-2697	48	12	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	48	13	procedure	procedure	NOUN
ajbmeb-2697	48	14	.	.	PUNCT
ajbmeb-2697	49	1	taking	take	VERB
ajbmeb-2697	49	2	into	into	ADP
ajbmeb-2697	49	3	account	account	NOUN
ajbmeb-2697	49	4	the	the	DET
ajbmeb-2697	49	5	considered	consider	VERB
ajbmeb-2697	49	6	features	feature	NOUN
ajbmeb-2697	49	7	of	of	ADP
ajbmeb-2697	49	8	intentional	intentional	ADJ
ajbmeb-2697	49	9	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	49	10	,	,	PUNCT
ajbmeb-2697	49	11	important	important	ADJ
ajbmeb-2697	49	12	measures	measure	NOUN
ajbmeb-2697	49	13	to	to	PART
ajbmeb-2697	49	14	prevent	prevent	VERB
ajbmeb-2697	49	15	intentional	intentional	ADJ
ajbmeb-2697	49	16	bankruptcy	bankruptcy	NOUN
ajbmeb-2697	49	17	and	and	CCONJ
ajbmeb-2697	49	18	,	,	PUNCT
ajbmeb-2697	49	19	accordingly	accordingly	ADV
ajbmeb-2697	49	20	,	,	PUNCT
ajbmeb-2697	49	21	important	important	ADJ
ajbmeb-2697	49	22	aspects	aspect	NOUN
ajbmeb-2697	49	23	of	of	ADP
ajbmeb-2697	49	24	protecting	protect	VERB
ajbmeb-2697	49	25	the	the	DET
ajbmeb-2697	49	26	interests	interest	NOUN
ajbmeb-2697	49	27	of	of	ADP
ajbmeb-2697	49	28	creditors	creditor	NOUN
ajbmeb-2697	49	29	,	,	PUNCT
ajbmeb-2697	49	30	it	it	PRON
ajbmeb-2697	49	31	seems	seem	VERB
ajbmeb-2697	49	32	,	,	PUNCT
ajbmeb-2697	49	33	should	should	AUX
ajbmeb-2697	49	34	be	be	AUX
ajbmeb-2697	49	35	stricter	strict	ADJ
ajbmeb-2697	49	36	conditions	condition	NOUN
ajbmeb-2697	49	37	for	for	ADP
ajbmeb-2697	49	38	providing	provide	VERB
ajbmeb-2697	49	39	loans	loan	NOUN
ajbmeb-2697	49	40	,	,	PUNCT
ajbmeb-2697	49	41	a	a	DET
ajbmeb-2697	49	42	thorough	thorough	ADJ
ajbmeb-2697	49	43	analysis	analysis	NOUN
ajbmeb-2697	49	44	of	of	ADP
ajbmeb-2697	49	45	the	the	DET
ajbmeb-2697	49	46	accounting	accounting	NOUN
ajbmeb-2697	49	47	and	and	CCONJ
ajbmeb-2697	49	48	other	other	ADJ
ajbmeb-2697	49	49	documentation	documentation	NOUN
ajbmeb-2697	49	50	of	of	ADP
ajbmeb-2697	49	51	the	the	DET
ajbmeb-2697	49	52	borrower	borrower	NOUN
ajbmeb-2697	49	53	(	(	PUNCT
ajbmeb-2697	49	54	his	his	PRON
ajbmeb-2697	49	55	guarantors	guarantor	NOUN
ajbmeb-2697	49	56	)	)	PUNCT
ajbmeb-2697	49	57	,	,	PUNCT
ajbmeb-2697	49	58	increased	increase	VERB
ajbmeb-2697	49	59	control	control	NOUN
ajbmeb-2697	49	60	over	over	ADP
ajbmeb-2697	49	61	the	the	DET
ajbmeb-2697	49	62	expenditure	expenditure	NOUN
ajbmeb-2697	49	63	of	of	ADP
ajbmeb-2697	49	64	credit	credit	NOUN
ajbmeb-2697	49	65	funds	fund	NOUN
ajbmeb-2697	49	66	,	,	PUNCT
ajbmeb-2697	49	67	as	as	ADV
ajbmeb-2697	49	68	well	well	ADV
ajbmeb-2697	49	69	as	as	ADP
ajbmeb-2697	49	70	monitoring	monitor	VERB
ajbmeb-2697	49	71	the	the	DET
ajbmeb-2697	49	72	financial	financial	ADJ
ajbmeb-2697	49	73	and	and	CCONJ
ajbmeb-2697	49	74	economic	economic	ADJ
ajbmeb-2697	49	75	activities	activity	NOUN
ajbmeb-2697	49	76	of	of	ADP
ajbmeb-2697	49	77	the	the	DET
ajbmeb-2697	49	78	borrower	borrower	NOUN
ajbmeb-2697	49	79	enterprise	enterprise	NOUN
ajbmeb-2697	49	80	.	.	PUNCT
ajbmeb-2697	50	1	in	in	ADP
ajbmeb-2697	50	2	other	other	ADJ
ajbmeb-2697	50	3	words	word	NOUN
ajbmeb-2697	50	4	,	,	PUNCT
ajbmeb-2697	50	5	the	the	DET
ajbmeb-2697	50	6	security	security	NOUN
ajbmeb-2697	50	7	for	for	ADP
ajbmeb-2697	50	8	the	the	DET
ajbmeb-2697	50	9	fulfillment	fulfillment	NOUN
ajbmeb-2697	50	10	of	of	ADP
ajbmeb-2697	50	11	credit	credit	NOUN
ajbmeb-2697	50	12	obligations	obligation	NOUN
ajbmeb-2697	50	13	should	should	AUX
ajbmeb-2697	50	14	have	have	VERB
ajbmeb-2697	50	15	a	a	DET
ajbmeb-2697	50	16	high	high	ADJ
ajbmeb-2697	50	17	degree	degree	NOUN
ajbmeb-2697	50	18	of	of	ADP
ajbmeb-2697	50	19	liquidity	liquidity	NOUN
ajbmeb-2697	50	20	[	[	X
ajbmeb-2697	50	21	2	2	NUM
ajbmeb-2697	50	22	]	]	PUNCT
ajbmeb-2697	50	23	.	.	PUNCT
ajbmeb-2697	51	1	to	to	PART
ajbmeb-2697	51	2	solve	solve	VERB
ajbmeb-2697	51	3	organizational	organizational	ADJ
ajbmeb-2697	51	4	problems	problem	NOUN
ajbmeb-2697	51	5	,	,	PUNCT
ajbmeb-2697	51	6	it	it	PRON
ajbmeb-2697	51	7	is	be	AUX
ajbmeb-2697	51	8	necessary	necessary	ADJ
ajbmeb-2697	51	9	to	to	PART
ajbmeb-2697	51	10	directly	directly	ADV
ajbmeb-2697	51	11	involve	involve	VERB
ajbmeb-2697	51	12	specialists	specialist	NOUN
ajbmeb-2697	51	13	practitioners	practitioner	NOUN
ajbmeb-2697	51	14	in	in	ADP
ajbmeb-2697	51	15	developing	develop	VERB
ajbmeb-2697	51	16	the	the	DET
ajbmeb-2697	51	17	relevant	relevant	ADJ
ajbmeb-2697	51	18	internal	internal	ADJ
ajbmeb-2697	51	19	documents	document	NOUN
ajbmeb-2697	51	20	.	.	PUNCT
ajbmeb-2697	52	1	in	in	ADP
ajbmeb-2697	52	2	the	the	DET
ajbmeb-2697	52	3	internal	internal	ADJ
ajbmeb-2697	52	4	document	document	NOUN
ajbmeb-2697	52	5	of	of	ADP
ajbmeb-2697	52	6	the	the	DET
ajbmeb-2697	52	7	bank	bank	NOUN
ajbmeb-2697	52	8	regulating	regulate	VERB
ajbmeb-2697	52	9	the	the	DET
ajbmeb-2697	52	10	work	work	NOUN
ajbmeb-2697	52	11	on	on	ADP
ajbmeb-2697	52	12	collecting	collect	VERB
ajbmeb-2697	52	13	overdue	overdue	ADJ
ajbmeb-2697	52	14	debt	debt	NOUN
ajbmeb-2697	52	15	,	,	PUNCT
ajbmeb-2697	52	16	it	it	PRON
ajbmeb-2697	52	17	is	be	AUX
ajbmeb-2697	52	18	necessary	necessary	ADJ
ajbmeb-2697	52	19	to	to	PART
ajbmeb-2697	52	20	prescribe	prescribe	VERB
ajbmeb-2697	52	21	the	the	DET
ajbmeb-2697	52	22	clarity	clarity	NOUN
ajbmeb-2697	52	23	of	of	ADP
ajbmeb-2697	52	24	coordination	coordination	NOUN
ajbmeb-2697	52	25	of	of	ADP
ajbmeb-2697	52	26	all	all	DET
ajbmeb-2697	52	27	actions	action	NOUN
ajbmeb-2697	52	28	of	of	ADP
ajbmeb-2697	52	29	the	the	DET
ajbmeb-2697	52	30	insufficiently	insufficiently	ADV
ajbmeb-2697	52	31	attentive	attentive	ADJ
ajbmeb-2697	52	32	and	and	CCONJ
ajbmeb-2697	52	33	detailed	detailed	ADJ
ajbmeb-2697	52	34	attitude	attitude	NOUN
ajbmeb-2697	52	35	towards	towards	ADP
ajbmeb-2697	52	36	the	the	DET
ajbmeb-2697	52	37	borrower	borrower	NOUN
ajbmeb-2697	52	38	;	;	PUNCT
ajbmeb-2697	52	39	insufficiently	insufficiently	ADV
ajbmeb-2697	52	40	deep	deep	ADJ
ajbmeb-2697	52	41	analysis	analysis	NOUN
ajbmeb-2697	52	42	of	of	ADP
ajbmeb-2697	52	43	the	the	DET
ajbmeb-2697	52	44	reasons	reason	NOUN
ajbmeb-2697	52	45	for	for	ADP
ajbmeb-2697	52	46	the	the	DET
ajbmeb-2697	52	47	formation	formation	NOUN
ajbmeb-2697	52	48	of	of	ADP
ajbmeb-2697	52	49	overdue	overdue	ADJ
ajbmeb-2697	52	50	debt	debt	NOUN
ajbmeb-2697	52	51	;	;	PUNCT
ajbmeb-2697	52	52	failure	failure	NOUN
ajbmeb-2697	52	53	by	by	ADP
ajbmeb-2697	52	54	the	the	DET
ajbmeb-2697	52	55	bank	bank	NOUN
ajbmeb-2697	52	56	to	to	PART
ajbmeb-2697	52	57	use	use	VERB
ajbmeb-2697	52	58	analytical	analytical	ADJ
ajbmeb-2697	52	59	information	information	NOUN
ajbmeb-2697	52	60	provided	provide	VERB
ajbmeb-2697	52	61	by	by	ADP
ajbmeb-2697	52	62	the	the	DET
ajbmeb-2697	52	63	bank	bank	PROPN
ajbmeb-2697	52	64	of	of	ADP
ajbmeb-2697	52	65	uzbekistan	uzbekistan	PROPN
ajbmeb-2697	52	66	based	base	VERB
ajbmeb-2697	52	67	on	on	ADP
ajbmeb-2697	52	68	the	the	DET
ajbmeb-2697	52	69	results	result	NOUN
ajbmeb-2697	52	70	of	of	ADP
ajbmeb-2697	52	71	ongoing	ongoing	ADJ
ajbmeb-2697	52	72	monitoring	monitoring	NOUN
ajbmeb-2697	52	73	of	of	ADP
ajbmeb-2697	52	74	enterprises	enterprise	NOUN
ajbmeb-2697	52	75	in	in	ADP
ajbmeb-2697	52	76	the	the	DET
ajbmeb-2697	52	77	non	non	ADJ
ajbmeb-2697	52	78	-	-	ADJ
ajbmeb-2697	52	79	financial	financial	ADJ
ajbmeb-2697	52	80	sector	sector	NOUN
ajbmeb-2697	52	81	of	of	ADP
ajbmeb-2697	52	82	the	the	DET
ajbmeb-2697	52	83	economy	economy	NOUN
ajbmeb-2697	52	84	when	when	SCONJ
ajbmeb-2697	52	85	monitoring	monitor	VERB
ajbmeb-2697	52	86	the	the	DET
ajbmeb-2697	52	87	state	state	NOUN
ajbmeb-2697	52	88	of	of	ADP
ajbmeb-2697	52	89	the	the	DET
ajbmeb-2697	52	90	markets	market	NOUN
ajbmeb-2697	52	91	in	in	ADP
ajbmeb-2697	52	92	which	which	PRON
ajbmeb-2697	52	93	borrower	borrower	NOUN
ajbmeb-2697	52	94	enterprises	enterprise	NOUN
ajbmeb-2697	52	95	operate	operate	VERB
ajbmeb-2697	52	96	;	;	PUNCT
ajbmeb-2697	52	97	lack	lack	NOUN
ajbmeb-2697	52	98	of	of	ADP
ajbmeb-2697	52	99	preventive	preventive	ADJ
ajbmeb-2697	52	100	actions	action	NOUN
ajbmeb-2697	52	101	in	in	ADP
ajbmeb-2697	52	102	working	work	VERB
ajbmeb-2697	52	103	with	with	ADP
ajbmeb-2697	52	104	the	the	DET
ajbmeb-2697	52	105	borrower	borrower	NOUN
ajbmeb-2697	52	106	.	.	PUNCT
ajbmeb-2697	53	1	american	american	ADJ
ajbmeb-2697	53	2	journal	journal	PROPN
ajbmeb-2697	53	3	of	of	ADP
ajbmeb-2697	53	4	business	business	NOUN
ajbmeb-2697	53	5	management	management	NOUN
ajbmeb-2697	53	6	,	,	PUNCT
ajbmeb-2697	53	7	economics	economic	NOUN
ajbmeb-2697	53	8	and	and	CCONJ
ajbmeb-2697	53	9	banking	banking	NOUN
ajbmeb-2697	53	10	volume	volume	NOUN
ajbmeb-2697	53	11	33	33	NUM
ajbmeb-2697	53	12	february	february	NOUN
ajbmeb-2697	53	13	2025	2025	NUM
ajbmeb-2697	53	14	p	p	NOUN
ajbmeb-2697	53	15	a	a	DET
ajbmeb-2697	53	16	g	g	NOUN
ajbmeb-2697	53	17	e	e	NOUN
ajbmeb-2697	53	18	|	|	ADV
ajbmeb-2697	53	19	26	26	NUM
ajbmeb-2697	53	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2697	53	21	responsible	responsible	ADJ
ajbmeb-2697	53	22	services	service	NOUN
ajbmeb-2697	53	23	for	for	ADP
ajbmeb-2697	53	24	collecting	collect	VERB
ajbmeb-2697	53	25	overdue	overdue	ADJ
ajbmeb-2697	53	26	debt	debt	NOUN
ajbmeb-2697	53	27	.	.	PUNCT
ajbmeb-2697	54	1	in	in	ADP
ajbmeb-2697	54	2	particular	particular	ADJ
ajbmeb-2697	54	3	,	,	PUNCT
ajbmeb-2697	54	4	it	it	PRON
ajbmeb-2697	54	5	is	be	AUX
ajbmeb-2697	54	6	recommended	recommend	VERB
ajbmeb-2697	54	7	to	to	PART
ajbmeb-2697	54	8	organize	organize	VERB
ajbmeb-2697	54	9	the	the	DET
ajbmeb-2697	54	10	collection	collection	NOUN
ajbmeb-2697	54	11	of	of	ADP
ajbmeb-2697	54	12	developments	development	NOUN
ajbmeb-2697	54	13	of	of	ADP
ajbmeb-2697	54	14	branches	branch	NOUN
ajbmeb-2697	54	15	,	,	PUNCT
ajbmeb-2697	54	16	comments	comment	NOUN
ajbmeb-2697	54	17	of	of	ADP
ajbmeb-2697	54	18	employees	employee	NOUN
ajbmeb-2697	54	19	who	who	PRON
ajbmeb-2697	54	20	apply	apply	VERB
ajbmeb-2697	54	21	these	these	DET
ajbmeb-2697	54	22	methods	method	NOUN
ajbmeb-2697	54	23	in	in	ADP
ajbmeb-2697	54	24	the	the	DET
ajbmeb-2697	54	25	process	process	NOUN
ajbmeb-2697	54	26	of	of	ADP
ajbmeb-2697	54	27	performing	perform	VERB
ajbmeb-2697	54	28	their	their	PRON
ajbmeb-2697	54	29	job	job	NOUN
ajbmeb-2697	54	30	responsibilities	responsibility	NOUN
ajbmeb-2697	54	31	.	.	PUNCT
ajbmeb-2697	55	1	when	when	SCONJ
ajbmeb-2697	55	2	working	work	VERB
ajbmeb-2697	55	3	with	with	ADP
ajbmeb-2697	55	4	problem	problem	NOUN
ajbmeb-2697	55	5	loans	loan	NOUN
ajbmeb-2697	55	6	,	,	PUNCT
ajbmeb-2697	55	7	the	the	DET
ajbmeb-2697	55	8	bank	bank	NOUN
ajbmeb-2697	55	9	must	must	AUX
ajbmeb-2697	55	10	act	act	VERB
ajbmeb-2697	55	11	as	as	ADV
ajbmeb-2697	55	12	quickly	quickly	ADV
ajbmeb-2697	55	13	as	as	ADP
ajbmeb-2697	55	14	possible	possible	ADJ
ajbmeb-2697	55	15	.	.	PUNCT
ajbmeb-2697	56	1	the	the	DET
ajbmeb-2697	56	2	complexity	complexity	NOUN
ajbmeb-2697	56	3	of	of	ADP
ajbmeb-2697	56	4	the	the	DET
ajbmeb-2697	56	5	document	document	NOUN
ajbmeb-2697	56	6	approval	approval	NOUN
ajbmeb-2697	56	7	mechanism	mechanism	NOUN
ajbmeb-2697	56	8	and	and	CCONJ
ajbmeb-2697	56	9	red	red	ADJ
ajbmeb-2697	56	10	tape	tape	NOUN
ajbmeb-2697	56	11	significantly	significantly	ADV
ajbmeb-2697	56	12	delay	delay	VERB
ajbmeb-2697	56	13	the	the	DET
ajbmeb-2697	56	14	work	work	NOUN
ajbmeb-2697	56	15	.	.	PUNCT
ajbmeb-2697	57	1	to	to	PART
ajbmeb-2697	57	2	solve	solve	VERB
ajbmeb-2697	57	3	this	this	DET
ajbmeb-2697	57	4	problem	problem	NOUN
ajbmeb-2697	57	5	,	,	PUNCT
ajbmeb-2697	57	6	it	it	PRON
ajbmeb-2697	57	7	is	be	AUX
ajbmeb-2697	57	8	possible	possible	ADJ
ajbmeb-2697	57	9	to	to	PART
ajbmeb-2697	57	10	propose	propose	VERB
ajbmeb-2697	57	11	expanding	expand	VERB
ajbmeb-2697	57	12	the	the	DET
ajbmeb-2697	57	13	powers	power	NOUN
ajbmeb-2697	57	14	of	of	ADP
ajbmeb-2697	57	15	specialists	specialist	NOUN
ajbmeb-2697	57	16	working	work	VERB
ajbmeb-2697	57	17	with	with	ADP
ajbmeb-2697	57	18	problem	problem	NOUN
ajbmeb-2697	57	19	debts	debt	NOUN
ajbmeb-2697	57	20	by	by	ADP
ajbmeb-2697	57	21	increasing	increase	VERB
ajbmeb-2697	57	22	the	the	DET
ajbmeb-2697	57	23	limit	limit	NOUN
ajbmeb-2697	57	24	of	of	ADP
ajbmeb-2697	57	25	powers	power	NOUN
ajbmeb-2697	57	26	within	within	ADP
ajbmeb-2697	57	27	which	which	PRON
ajbmeb-2697	57	28	they	they	PRON
ajbmeb-2697	57	29	can	can	AUX
ajbmeb-2697	57	30	make	make	VERB
ajbmeb-2697	57	31	decisions	decision	NOUN
ajbmeb-2697	57	32	.	.	PUNCT
ajbmeb-2697	58	1	in	in	ADP
ajbmeb-2697	58	2	practice	practice	NOUN
ajbmeb-2697	58	3	,	,	PUNCT
ajbmeb-2697	58	4	it	it	PRON
ajbmeb-2697	58	5	often	often	ADV
ajbmeb-2697	58	6	happens	happen	VERB
ajbmeb-2697	58	7	that	that	SCONJ
ajbmeb-2697	58	8	the	the	DET
ajbmeb-2697	58	9	borrower	borrower	NOUN
ajbmeb-2697	58	10	is	be	AUX
ajbmeb-2697	58	11	in	in	ADP
ajbmeb-2697	58	12	debt	debt	NOUN
ajbmeb-2697	58	13	to	to	ADP
ajbmeb-2697	58	14	several	several	ADJ
ajbmeb-2697	58	15	creditors	creditor	NOUN
ajbmeb-2697	58	16	at	at	ADP
ajbmeb-2697	58	17	once	once	ADV
ajbmeb-2697	58	18	.	.	PUNCT
ajbmeb-2697	59	1	to	to	PART
ajbmeb-2697	59	2	solve	solve	VERB
ajbmeb-2697	59	3	the	the	DET
ajbmeb-2697	59	4	problem	problem	NOUN
ajbmeb-2697	59	5	of	of	ADP
ajbmeb-2697	59	6	lack	lack	NOUN
ajbmeb-2697	59	7	of	of	ADP
ajbmeb-2697	59	8	time	time	NOUN
ajbmeb-2697	59	9	and	and	CCONJ
ajbmeb-2697	59	10	staff	staff	NOUN
ajbmeb-2697	59	11	,	,	PUNCT
ajbmeb-2697	59	12	the	the	DET
ajbmeb-2697	59	13	bank	bank	NOUN
ajbmeb-2697	59	14	can	can	AUX
ajbmeb-2697	59	15	combine	combine	VERB
ajbmeb-2697	59	16	efforts	effort	NOUN
ajbmeb-2697	59	17	to	to	PART
ajbmeb-2697	59	18	collect	collect	VERB
ajbmeb-2697	59	19	problem	problem	NOUN
ajbmeb-2697	59	20	debts	debt	NOUN
ajbmeb-2697	59	21	for	for	ADP
ajbmeb-2697	59	22	specific	specific	ADJ
ajbmeb-2697	59	23	clients	client	NOUN
ajbmeb-2697	59	24	with	with	ADP
ajbmeb-2697	59	25	other	other	ADJ
ajbmeb-2697	59	26	credit	credit	NOUN
ajbmeb-2697	59	27	institutions	institution	NOUN
ajbmeb-2697	59	28	in	in	ADP
ajbmeb-2697	59	29	the	the	DET
ajbmeb-2697	59	30	region	region	NOUN
ajbmeb-2697	59	31	that	that	PRON
ajbmeb-2697	59	32	have	have	AUX
ajbmeb-2697	59	33	encountered	encounter	VERB
ajbmeb-2697	59	34	similar	similar	ADJ
ajbmeb-2697	59	35	problems	problem	NOUN
ajbmeb-2697	59	36	with	with	ADP
ajbmeb-2697	59	37	these	these	DET
ajbmeb-2697	59	38	clients	client	NOUN
ajbmeb-2697	59	39	.	.	PUNCT
ajbmeb-2697	60	1	in	in	ADP
ajbmeb-2697	60	2	addition	addition	NOUN
ajbmeb-2697	60	3	,	,	PUNCT
ajbmeb-2697	60	4	expanding	expand	VERB
ajbmeb-2697	60	5	cooperation	cooperation	NOUN
ajbmeb-2697	60	6	between	between	ADP
ajbmeb-2697	60	7	banks	bank	NOUN
ajbmeb-2697	60	8	and	and	CCONJ
ajbmeb-2697	60	9	insurance	insurance	NOUN
ajbmeb-2697	60	10	companies	company	NOUN
ajbmeb-2697	60	11	can	can	AUX
ajbmeb-2697	60	12	have	have	VERB
ajbmeb-2697	60	13	a	a	DET
ajbmeb-2697	60	14	positive	positive	ADJ
ajbmeb-2697	60	15	effect	effect	NOUN
ajbmeb-2697	60	16	on	on	ADP
ajbmeb-2697	60	17	reducing	reduce	VERB
ajbmeb-2697	60	18	the	the	DET
ajbmeb-2697	60	19	number	number	NOUN
ajbmeb-2697	60	20	of	of	ADP
ajbmeb-2697	60	21	bad	bad	ADJ
ajbmeb-2697	60	22	loans	loan	NOUN
ajbmeb-2697	60	23	by	by	ADP
ajbmeb-2697	60	24	distributing	distribute	VERB
ajbmeb-2697	60	25	risk	risk	NOUN
ajbmeb-2697	60	26	between	between	ADP
ajbmeb-2697	60	27	the	the	DET
ajbmeb-2697	60	28	two	two	NUM
ajbmeb-2697	60	29	partners	partner	NOUN
ajbmeb-2697	60	30	.	.	PUNCT
ajbmeb-2697	61	1	cooperation	cooperation	NOUN
ajbmeb-2697	61	2	will	will	AUX
ajbmeb-2697	61	3	also	also	ADV
ajbmeb-2697	61	4	allow	allow	VERB
ajbmeb-2697	61	5	banks	bank	NOUN
ajbmeb-2697	61	6	to	to	PART
ajbmeb-2697	61	7	exchange	exchange	VERB
ajbmeb-2697	61	8	information	information	NOUN
ajbmeb-2697	61	9	on	on	ADP
ajbmeb-2697	61	10	"	"	PUNCT
ajbmeb-2697	61	11	bad	bad	ADJ
ajbmeb-2697	61	12	"	"	PUNCT
ajbmeb-2697	61	13	clients	client	NOUN
ajbmeb-2697	61	14	,	,	PUNCT
ajbmeb-2697	61	15	which	which	PRON
ajbmeb-2697	61	16	will	will	AUX
ajbmeb-2697	61	17	make	make	VERB
ajbmeb-2697	61	18	it	it	PRON
ajbmeb-2697	61	19	impossible	impossible	ADJ
ajbmeb-2697	61	20	for	for	SCONJ
ajbmeb-2697	61	21	the	the	DET
ajbmeb-2697	61	22	same	same	ADJ
ajbmeb-2697	61	23	person	person	NOUN
ajbmeb-2697	61	24	to	to	PART
ajbmeb-2697	61	25	take	take	VERB
ajbmeb-2697	61	26	out	out	ADP
ajbmeb-2697	61	27	a	a	DET
ajbmeb-2697	61	28	bad	bad	ADJ
ajbmeb-2697	61	29	loan	loan	NOUN
ajbmeb-2697	61	30	from	from	ADP
ajbmeb-2697	61	31	two	two	NUM
ajbmeb-2697	61	32	different	different	ADJ
ajbmeb-2697	61	33	banks	bank	NOUN
ajbmeb-2697	61	34	.	.	PUNCT
ajbmeb-2697	62	1	deepening	deepen	VERB
ajbmeb-2697	62	2	cooperation	cooperation	NOUN
ajbmeb-2697	62	3	and	and	CCONJ
ajbmeb-2697	62	4	developing	develop	VERB
ajbmeb-2697	62	5	new	new	ADJ
ajbmeb-2697	62	6	interaction	interaction	NOUN
ajbmeb-2697	62	7	schemes	scheme	NOUN
ajbmeb-2697	62	8	,	,	PUNCT
ajbmeb-2697	62	9	such	such	ADJ
ajbmeb-2697	62	10	as	as	ADP
ajbmeb-2697	62	11	insuring	insure	VERB
ajbmeb-2697	62	12	individual	individual	ADJ
ajbmeb-2697	62	13	groups	group	NOUN
ajbmeb-2697	62	14	of	of	ADP
ajbmeb-2697	62	15	borrowers	borrower	NOUN
ajbmeb-2697	62	16	from	from	ADP
ajbmeb-2697	62	17	specific	specific	ADJ
ajbmeb-2697	62	18	threats	threat	NOUN
ajbmeb-2697	62	19	inherent	inherent	ADJ
ajbmeb-2697	62	20	in	in	ADP
ajbmeb-2697	62	21	this	this	DET
ajbmeb-2697	62	22	particular	particular	ADJ
ajbmeb-2697	62	23	category	category	NOUN
ajbmeb-2697	62	24	of	of	ADP
ajbmeb-2697	62	25	clients	client	NOUN
ajbmeb-2697	62	26	,	,	PUNCT
ajbmeb-2697	62	27	will	will	AUX
ajbmeb-2697	62	28	minimize	minimize	VERB
ajbmeb-2697	62	29	credit	credit	NOUN
ajbmeb-2697	62	30	risks	risk	NOUN
ajbmeb-2697	62	31	for	for	ADP
ajbmeb-2697	62	32	the	the	DET
ajbmeb-2697	62	33	bank	bank	NOUN
ajbmeb-2697	62	34	.	.	PUNCT
ajbmeb-2697	63	1	timely	timely	ADJ
ajbmeb-2697	63	2	response	response	NOUN
ajbmeb-2697	63	3	to	to	ADP
ajbmeb-2697	63	4	early	early	ADJ
ajbmeb-2697	63	5	signs	sign	NOUN
ajbmeb-2697	63	6	of	of	ADP
ajbmeb-2697	63	7	emerging	emerge	VERB
ajbmeb-2697	63	8	financial	financial	ADJ
ajbmeb-2697	63	9	difficulties	difficulty	NOUN
ajbmeb-2697	63	10	allows	allow	VERB
ajbmeb-2697	63	11	the	the	DET
ajbmeb-2697	63	12	bank	bank	NOUN
ajbmeb-2697	63	13	to	to	PART
ajbmeb-2697	63	14	take	take	VERB
ajbmeb-2697	63	15	preventive	preventive	ADJ
ajbmeb-2697	63	16	measures	measure	NOUN
ajbmeb-2697	63	17	to	to	PART
ajbmeb-2697	63	18	improve	improve	VERB
ajbmeb-2697	63	19	the	the	DET
ajbmeb-2697	63	20	situation	situation	NOUN
ajbmeb-2697	63	21	and	and	CCONJ
ajbmeb-2697	63	22	protect	protect	VERB
ajbmeb-2697	63	23	the	the	DET
ajbmeb-2697	63	24	bank	bank	NOUN
ajbmeb-2697	63	25	's	's	PART
ajbmeb-2697	63	26	interests	interest	NOUN
ajbmeb-2697	63	27	.	.	PUNCT
ajbmeb-2697	64	1	these	these	DET
ajbmeb-2697	64	2	measures	measure	NOUN
ajbmeb-2697	64	3	must	must	AUX
ajbmeb-2697	64	4	be	be	AUX
ajbmeb-2697	64	5	taken	take	VERB
ajbmeb-2697	64	6	as	as	ADV
ajbmeb-2697	64	7	early	early	ADV
ajbmeb-2697	64	8	as	as	ADP
ajbmeb-2697	64	9	possible	possible	ADJ
ajbmeb-2697	64	10	,	,	PUNCT
ajbmeb-2697	64	11	before	before	SCONJ
ajbmeb-2697	64	12	the	the	DET
ajbmeb-2697	64	13	situation	situation	NOUN
ajbmeb-2697	64	14	gets	get	VERB
ajbmeb-2697	64	15	out	out	ADP
ajbmeb-2697	64	16	of	of	ADP
ajbmeb-2697	64	17	control	control	NOUN
ajbmeb-2697	64	18	and	and	CCONJ
ajbmeb-2697	64	19	losses	loss	NOUN
ajbmeb-2697	64	20	become	become	VERB
ajbmeb-2697	64	21	inevitable	inevitable	ADJ
ajbmeb-2697	64	22	.	.	PUNCT
ajbmeb-2697	65	1	first	first	ADV
ajbmeb-2697	65	2	of	of	ADP
ajbmeb-2697	65	3	all	all	PRON
ajbmeb-2697	65	4	,	,	PUNCT
ajbmeb-2697	65	5	bank	bank	NOUN
ajbmeb-2697	65	6	employees	employee	NOUN
ajbmeb-2697	65	7	must	must	AUX
ajbmeb-2697	65	8	conduct	conduct	VERB
ajbmeb-2697	65	9	a	a	DET
ajbmeb-2697	65	10	more	more	ADJ
ajbmeb-2697	65	11	in	in	ADP
ajbmeb-2697	65	12	-	-	PUNCT
ajbmeb-2697	65	13	depth	depth	NOUN
ajbmeb-2697	65	14	analysis	analysis	NOUN
ajbmeb-2697	65	15	of	of	ADP
ajbmeb-2697	65	16	the	the	DET
ajbmeb-2697	65	17	borrower	borrower	NOUN
ajbmeb-2697	65	18	,	,	PUNCT
ajbmeb-2697	65	19	identify	identify	VERB
ajbmeb-2697	65	20	the	the	DET
ajbmeb-2697	65	21	specific	specific	ADJ
ajbmeb-2697	65	22	reasons	reason	NOUN
ajbmeb-2697	65	23	that	that	PRON
ajbmeb-2697	65	24	led	lead	VERB
ajbmeb-2697	65	25	to	to	ADP
ajbmeb-2697	65	26	the	the	DET
ajbmeb-2697	65	27	deterioration	deterioration	NOUN
ajbmeb-2697	65	28	of	of	ADP
ajbmeb-2697	65	29	the	the	DET
ajbmeb-2697	65	30	situation	situation	NOUN
ajbmeb-2697	65	31	.	.	PUNCT
ajbmeb-2697	66	1	it	it	PRON
ajbmeb-2697	66	2	is	be	AUX
ajbmeb-2697	66	3	important	important	ADJ
ajbmeb-2697	66	4	to	to	PART
ajbmeb-2697	66	5	find	find	VERB
ajbmeb-2697	66	6	out	out	ADP
ajbmeb-2697	66	7	the	the	DET
ajbmeb-2697	66	8	borrower	borrower	NOUN
ajbmeb-2697	66	9	's	's	PART
ajbmeb-2697	66	10	position	position	NOUN
ajbmeb-2697	66	11	:	:	PUNCT
ajbmeb-2697	66	12	does	do	AUX
ajbmeb-2697	66	13	he	he	PRON
ajbmeb-2697	66	14	want	want	VERB
ajbmeb-2697	66	15	to	to	PART
ajbmeb-2697	66	16	repay	repay	VERB
ajbmeb-2697	66	17	the	the	DET
ajbmeb-2697	66	18	debts	debt	NOUN
ajbmeb-2697	66	19	,	,	PUNCT
ajbmeb-2697	66	20	can	can	AUX
ajbmeb-2697	66	21	he	he	PRON
ajbmeb-2697	66	22	be	be	AUX
ajbmeb-2697	66	23	trusted	trust	VERB
ajbmeb-2697	66	24	,	,	PUNCT
ajbmeb-2697	66	25	is	be	AUX
ajbmeb-2697	66	26	he	he	PRON
ajbmeb-2697	66	27	able	able	ADJ
ajbmeb-2697	66	28	to	to	PART
ajbmeb-2697	66	29	restore	restore	VERB
ajbmeb-2697	66	30	the	the	DET
ajbmeb-2697	66	31	status	status	NOUN
ajbmeb-2697	66	32	quo	quo	NOUN
ajbmeb-2697	66	33	,	,	PUNCT
ajbmeb-2697	66	34	having	having	AUX
ajbmeb-2697	66	35	achieved	achieve	VERB
ajbmeb-2697	66	36	the	the	DET
ajbmeb-2697	66	37	desired	desire	VERB
ajbmeb-2697	66	38	profit	profit	NOUN
ajbmeb-2697	66	39	?	?	PUNCT
ajbmeb-2697	67	1	regardless	regardless	ADV
ajbmeb-2697	67	2	of	of	ADP
ajbmeb-2697	67	3	whether	whether	SCONJ
ajbmeb-2697	67	4	the	the	DET
ajbmeb-2697	67	5	bank	bank	NOUN
ajbmeb-2697	67	6	decides	decide	VERB
ajbmeb-2697	67	7	to	to	PART
ajbmeb-2697	67	8	maintain	maintain	VERB
ajbmeb-2697	67	9	its	its	PRON
ajbmeb-2697	67	10	relationship	relationship	NOUN
ajbmeb-2697	67	11	with	with	ADP
ajbmeb-2697	67	12	the	the	DET
ajbmeb-2697	67	13	borrower	borrower	NOUN
ajbmeb-2697	67	14	or	or	CCONJ
ajbmeb-2697	67	15	to	to	PART
ajbmeb-2697	67	16	abandon	abandon	VERB
ajbmeb-2697	67	17	them	they	PRON
ajbmeb-2697	67	18	in	in	ADP
ajbmeb-2697	67	19	the	the	DET
ajbmeb-2697	67	20	future	future	NOUN
ajbmeb-2697	67	21	,	,	PUNCT
ajbmeb-2697	67	22	it	it	PRON
ajbmeb-2697	67	23	is	be	AUX
ajbmeb-2697	67	24	advisable	advisable	ADJ
ajbmeb-2697	67	25	for	for	SCONJ
ajbmeb-2697	67	26	the	the	DET
ajbmeb-2697	67	27	bank	bank	NOUN
ajbmeb-2697	67	28	to	to	PART
ajbmeb-2697	67	29	develop	develop	VERB
ajbmeb-2697	67	30	a	a	DET
ajbmeb-2697	67	31	corrective	corrective	ADJ
ajbmeb-2697	67	32	plan	plan	NOUN
ajbmeb-2697	67	33	for	for	ADP
ajbmeb-2697	67	34	further	further	ADJ
ajbmeb-2697	67	35	action	action	NOUN
ajbmeb-2697	67	36	.	.	PUNCT
ajbmeb-2697	68	1	in	in	ADP
ajbmeb-2697	68	2	this	this	DET
ajbmeb-2697	68	3	case	case	NOUN
ajbmeb-2697	68	4	it	it	PRON
ajbmeb-2697	68	5	is	be	AUX
ajbmeb-2697	68	6	necessary	necessary	ADJ
ajbmeb-2697	68	7	:	:	PUNCT
ajbmeb-2697	68	8	find	find	VERB
ajbmeb-2697	68	9	out	out	ADP
ajbmeb-2697	68	10	how	how	SCONJ
ajbmeb-2697	68	11	deep	deep	ADJ
ajbmeb-2697	68	12	are	be	AUX
ajbmeb-2697	68	13	the	the	DET
ajbmeb-2697	68	14	reasons	reason	NOUN
ajbmeb-2697	68	15	that	that	PRON
ajbmeb-2697	68	16	led	lead	VERB
ajbmeb-2697	68	17	to	to	ADP
ajbmeb-2697	68	18	the	the	DET
ajbmeb-2697	68	19	deterioration	deterioration	NOUN
ajbmeb-2697	68	20	of	of	ADP
ajbmeb-2697	68	21	the	the	DET
ajbmeb-2697	68	22	situation	situation	NOUN
ajbmeb-2697	68	23	(	(	PUNCT
ajbmeb-2697	68	24	deterioration	deterioration	NOUN
ajbmeb-2697	68	25	of	of	ADP
ajbmeb-2697	68	26	the	the	DET
ajbmeb-2697	68	27	financial	financial	ADJ
ajbmeb-2697	68	28	condition	condition	NOUN
ajbmeb-2697	68	29	of	of	ADP
ajbmeb-2697	68	30	the	the	DET
ajbmeb-2697	68	31	borrower	borrower	NOUN
ajbmeb-2697	68	32	;	;	PUNCT
ajbmeb-2697	68	33	failure	failure	NOUN
ajbmeb-2697	68	34	to	to	PART
ajbmeb-2697	68	35	comply	comply	VERB
ajbmeb-2697	68	36	with	with	ADP
ajbmeb-2697	68	37	contractual	contractual	ADJ
ajbmeb-2697	68	38	obligations	obligation	NOUN
ajbmeb-2697	68	39	under	under	ADP
ajbmeb-2697	68	40	the	the	DET
ajbmeb-2697	68	41	loan	loan	NOUN
ajbmeb-2697	68	42	transaction	transaction	NOUN
ajbmeb-2697	68	43	by	by	ADP
ajbmeb-2697	68	44	the	the	DET
ajbmeb-2697	68	45	borrower	borrower	NOUN
ajbmeb-2697	68	46	's	's	PART
ajbmeb-2697	68	47	counterparties	counterpartie	NOUN
ajbmeb-2697	68	48	;	;	PUNCT
ajbmeb-2697	68	49	improper	improper	ADJ
ajbmeb-2697	68	50	use	use	NOUN
ajbmeb-2697	68	51	of	of	ADP
ajbmeb-2697	68	52	the	the	DET
ajbmeb-2697	68	53	loan	loan	NOUN
ajbmeb-2697	68	54	;	;	PUNCT
ajbmeb-2697	68	55	change	change	NOUN
ajbmeb-2697	68	56	in	in	ADP
ajbmeb-2697	68	57	the	the	DET
ajbmeb-2697	68	58	composition	composition	NOUN
ajbmeb-2697	68	59	of	of	ADP
ajbmeb-2697	68	60	the	the	DET
ajbmeb-2697	68	61	management	management	NOUN
ajbmeb-2697	68	62	bodies	body	NOUN
ajbmeb-2697	68	63	of	of	ADP
ajbmeb-2697	68	64	the	the	DET
ajbmeb-2697	68	65	borrower	borrower	NOUN
ajbmeb-2697	68	66	-	-	PUNCT
ajbmeb-2697	68	67	legal	legal	ADJ
ajbmeb-2697	68	68	entity	entity	NOUN
ajbmeb-2697	68	69	;	;	PUNCT
ajbmeb-2697	68	70	presence	presence	NOUN
ajbmeb-2697	68	71	of	of	ADP
ajbmeb-2697	68	72	force	force	NOUN
ajbmeb-2697	68	73	majeure	majeure	NOUN
ajbmeb-2697	68	74	and	and	CCONJ
ajbmeb-2697	68	75	other	other	ADJ
ajbmeb-2697	68	76	circumstances	circumstance	NOUN
ajbmeb-2697	68	77	)	)	PUNCT
ajbmeb-2697	68	78	;	;	PUNCT
ajbmeb-2697	68	79	add	add	VERB
ajbmeb-2697	68	80	this	this	DET
ajbmeb-2697	68	81	loan	loan	NOUN
ajbmeb-2697	68	82	to	to	ADP
ajbmeb-2697	68	83	the	the	DET
ajbmeb-2697	68	84	special	special	ADJ
ajbmeb-2697	68	85	watch	watch	NOUN
ajbmeb-2697	68	86	list	list	NOUN
ajbmeb-2697	68	87	;	;	PUNCT
ajbmeb-2697	68	88	meet	meet	VERB
ajbmeb-2697	68	89	with	with	ADP
ajbmeb-2697	68	90	the	the	DET
ajbmeb-2697	68	91	management	management	NOUN
ajbmeb-2697	68	92	of	of	ADP
ajbmeb-2697	68	93	the	the	DET
ajbmeb-2697	68	94	enterprise	enterprise	NOUN
ajbmeb-2697	68	95	,	,	PUNCT
ajbmeb-2697	68	96	outlining	outline	VERB
ajbmeb-2697	68	97	a	a	DET
ajbmeb-2697	68	98	plan	plan	NOUN
ajbmeb-2697	68	99	of	of	ADP
ajbmeb-2697	68	100	further	further	ADJ
ajbmeb-2697	68	101	actions	action	NOUN
ajbmeb-2697	68	102	;	;	PUNCT
ajbmeb-2697	68	103	if	if	SCONJ
ajbmeb-2697	68	104	necessary	necessary	ADJ
ajbmeb-2697	68	105	,	,	PUNCT
ajbmeb-2697	68	106	lower	low	ADJ
ajbmeb-2697	68	107	the	the	DET
ajbmeb-2697	68	108	borrower	borrower	NOUN
ajbmeb-2697	68	109	's	's	PART
ajbmeb-2697	68	110	credit	credit	NOUN
ajbmeb-2697	68	111	rating	rating	NOUN
ajbmeb-2697	68	112	,	,	PUNCT
ajbmeb-2697	68	113	stop	stop	VERB
ajbmeb-2697	68	114	reflecting	reflect	VERB
ajbmeb-2697	68	115	the	the	DET
ajbmeb-2697	68	116	loan	loan	NOUN
ajbmeb-2697	68	117	fee	fee	NOUN
ajbmeb-2697	68	118	in	in	ADP
ajbmeb-2697	68	119	the	the	DET
ajbmeb-2697	68	120	bank	bank	NOUN
ajbmeb-2697	68	121	's	's	PART
ajbmeb-2697	68	122	income	income	NOUN
ajbmeb-2697	68	123	,	,	PUNCT
ajbmeb-2697	68	124	increase	increase	VERB
ajbmeb-2697	68	125	deductions	deduction	NOUN
ajbmeb-2697	68	126	to	to	PART
ajbmeb-2697	68	127	reserve	reserve	VERB
ajbmeb-2697	68	128	funds	fund	NOUN
ajbmeb-2697	68	129	;	;	PUNCT
ajbmeb-2697	68	130	taking	take	VERB
ajbmeb-2697	68	131	into	into	ADP
ajbmeb-2697	68	132	account	account	NOUN
ajbmeb-2697	68	133	the	the	DET
ajbmeb-2697	68	134	results	result	NOUN
ajbmeb-2697	68	135	of	of	ADP
ajbmeb-2697	68	136	the	the	DET
ajbmeb-2697	68	137	analysis	analysis	NOUN
ajbmeb-2697	68	138	,	,	PUNCT
ajbmeb-2697	68	139	if	if	SCONJ
ajbmeb-2697	68	140	it	it	PRON
ajbmeb-2697	68	141	is	be	AUX
ajbmeb-2697	68	142	necessary	necessary	ADJ
ajbmeb-2697	68	143	to	to	PART
ajbmeb-2697	68	144	change	change	VERB
ajbmeb-2697	68	145	the	the	DET
ajbmeb-2697	68	146	terms	term	NOUN
ajbmeb-2697	68	147	of	of	ADP
ajbmeb-2697	68	148	the	the	DET
ajbmeb-2697	68	149	loan	loan	NOUN
ajbmeb-2697	68	150	transaction	transaction	NOUN
ajbmeb-2697	68	151	(	(	PUNCT
ajbmeb-2697	68	152	revise	revise	VERB
ajbmeb-2697	68	153	the	the	DET
ajbmeb-2697	68	154	size	size	NOUN
ajbmeb-2697	68	155	of	of	ADP
ajbmeb-2697	68	156	the	the	DET
ajbmeb-2697	68	157	credit	credit	NOUN
ajbmeb-2697	68	158	line	line	NOUN
ajbmeb-2697	68	159	up	up	ADP
ajbmeb-2697	68	160	to	to	ADP
ajbmeb-2697	68	161	its	its	PRON
ajbmeb-2697	68	162	closure	closure	NOUN
ajbmeb-2697	68	163	,	,	PUNCT
ajbmeb-2697	68	164	use	use	VERB
ajbmeb-2697	68	165	additional	additional	ADJ
ajbmeb-2697	68	166	collateral	collateral	NOUN
ajbmeb-2697	68	167	,	,	PUNCT
ajbmeb-2697	68	168	increase	increase	VERB
ajbmeb-2697	68	169	the	the	DET
ajbmeb-2697	68	170	loan	loan	NOUN
ajbmeb-2697	68	171	interest	interest	NOUN
ajbmeb-2697	68	172	rate	rate	NOUN
ajbmeb-2697	68	173	,	,	PUNCT
ajbmeb-2697	68	174	etc	etc	X
ajbmeb-2697	68	175	.	.	X
ajbmeb-2697	68	176	)	)	PUNCT
ajbmeb-2697	68	177	;	;	PUNCT
ajbmeb-2697	68	178	find	find	VERB
ajbmeb-2697	68	179	out	out	ADP
ajbmeb-2697	68	180	potential	potential	ADJ
ajbmeb-2697	68	181	dangers	danger	NOUN
ajbmeb-2697	68	182	for	for	ADP
ajbmeb-2697	68	183	banks	bank	NOUN
ajbmeb-2697	68	184	in	in	ADP
ajbmeb-2697	68	185	other	other	ADJ
ajbmeb-2697	68	186	areas	area	NOUN
ajbmeb-2697	68	187	of	of	ADP
ajbmeb-2697	68	188	interaction	interaction	NOUN
ajbmeb-2697	68	189	with	with	ADP
ajbmeb-2697	68	190	this	this	DET
ajbmeb-2697	68	191	client	client	NOUN
ajbmeb-2697	68	192	;	;	PUNCT
ajbmeb-2697	68	193	critically	critically	ADV
ajbmeb-2697	68	194	analyze	analyze	VERB
ajbmeb-2697	68	195	all	all	DET
ajbmeb-2697	68	196	loan	loan	NOUN
ajbmeb-2697	68	197	documentation	documentation	NOUN
ajbmeb-2697	68	198	,	,	PUNCT
ajbmeb-2697	68	199	including	include	VERB
ajbmeb-2697	68	200	the	the	DET
ajbmeb-2697	68	201	loan	loan	NOUN
ajbmeb-2697	68	202	agreement	agreement	NOUN
ajbmeb-2697	68	203	with	with	ADP
ajbmeb-2697	68	204	the	the	DET
ajbmeb-2697	68	205	lending	lending	NOUN
ajbmeb-2697	68	206	terms	term	NOUN
ajbmeb-2697	68	207	specified	specify	VERB
ajbmeb-2697	68	208	therein	therein	ADV
ajbmeb-2697	68	209	,	,	PUNCT
ajbmeb-2697	68	210	the	the	DET
ajbmeb-2697	68	211	pledge	pledge	NOUN
ajbmeb-2697	68	212	agreement	agreement	NOUN
ajbmeb-2697	68	213	(	(	PUNCT
ajbmeb-2697	68	214	from	from	ADP
ajbmeb-2697	68	215	the	the	DET
ajbmeb-2697	68	216	standpoint	standpoint	NOUN
ajbmeb-2697	68	217	of	of	ADP
ajbmeb-2697	68	218	the	the	DET
ajbmeb-2697	68	219	completeness	completeness	NOUN
ajbmeb-2697	68	220	and	and	CCONJ
ajbmeb-2697	68	221	cost	cost	NOUN
ajbmeb-2697	68	222	of	of	ADP
ajbmeb-2697	68	223	collateral	collateral	NOUN
ajbmeb-2697	68	224	)	)	PUNCT
ajbmeb-2697	68	225	;	;	PUNCT
ajbmeb-2697	68	226	re	re	VERB
ajbmeb-2697	68	227	-	-	VERB
ajbmeb-2697	68	228	evaluate	evaluate	VERB
ajbmeb-2697	68	229	the	the	DET
ajbmeb-2697	68	230	reliability	reliability	NOUN
ajbmeb-2697	68	231	of	of	ADP
ajbmeb-2697	68	232	all	all	DET
ajbmeb-2697	68	233	forms	form	NOUN
ajbmeb-2697	68	234	of	of	ADP
ajbmeb-2697	68	235	credit	credit	NOUN
ajbmeb-2697	68	236	repayment	repayment	NOUN
ajbmeb-2697	68	237	security	security	NOUN
ajbmeb-2697	68	238	(	(	PUNCT
ajbmeb-2697	68	239	availability	availability	NOUN
ajbmeb-2697	68	240	of	of	ADP
ajbmeb-2697	68	241	guarantees	guarantee	NOUN
ajbmeb-2697	68	242	,	,	PUNCT
ajbmeb-2697	68	243	sureties	surety	NOUN
ajbmeb-2697	68	244	,	,	PUNCT
ajbmeb-2697	68	245	bills	bill	NOUN
ajbmeb-2697	68	246	of	of	ADP
ajbmeb-2697	68	247	exchange	exchange	NOUN
ajbmeb-2697	68	248	,	,	PUNCT
ajbmeb-2697	68	249	etc	etc	X
ajbmeb-2697	68	250	.	.	X
ajbmeb-2697	68	251	,	,	PUNCT
ajbmeb-2697	68	252	in	in	ADP
ajbmeb-2697	68	253	addition	addition	NOUN
ajbmeb-2697	68	254	to	to	ADP
ajbmeb-2697	68	255	collateral	collateral	NOUN
ajbmeb-2697	68	256	)	)	PUNCT
ajbmeb-2697	68	257	;	;	PUNCT
ajbmeb-2697	68	258	increase	increase	VERB
ajbmeb-2697	68	259	attention	attention	NOUN
ajbmeb-2697	68	260	to	to	ADP
ajbmeb-2697	68	261	the	the	DET
ajbmeb-2697	68	262	status	status	NOUN
ajbmeb-2697	68	263	of	of	ADP
ajbmeb-2697	68	264	the	the	DET
ajbmeb-2697	68	265	client	client	NOUN
ajbmeb-2697	68	266	's	's	PART
ajbmeb-2697	68	267	current	current	ADJ
ajbmeb-2697	68	268	account	account	NOUN
ajbmeb-2697	68	269	;	;	PUNCT
ajbmeb-2697	69	1	american	american	ADJ
ajbmeb-2697	69	2	journal	journal	PROPN
ajbmeb-2697	69	3	of	of	ADP
ajbmeb-2697	69	4	business	business	NOUN
ajbmeb-2697	69	5	management	management	NOUN
ajbmeb-2697	69	6	,	,	PUNCT
ajbmeb-2697	69	7	economics	economic	NOUN
ajbmeb-2697	69	8	and	and	CCONJ
ajbmeb-2697	69	9	banking	banking	NOUN
ajbmeb-2697	69	10	volume	volume	NOUN
ajbmeb-2697	69	11	33	33	NUM
ajbmeb-2697	69	12	february	february	NOUN
ajbmeb-2697	69	13	2025	2025	NUM
ajbmeb-2697	69	14	p	p	NOUN
ajbmeb-2697	69	15	a	a	DET
ajbmeb-2697	69	16	g	g	NOUN
ajbmeb-2697	69	17	e	e	NOUN
ajbmeb-2697	69	18	|	|	ADV
ajbmeb-2697	69	19	27	27	NUM
ajbmeb-2697	69	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2697	69	21	develop	develop	VERB
ajbmeb-2697	69	22	a	a	DET
ajbmeb-2697	69	23	program	program	NOUN
ajbmeb-2697	69	24	for	for	ADP
ajbmeb-2697	69	25	changing	change	VERB
ajbmeb-2697	69	26	the	the	DET
ajbmeb-2697	69	27	debt	debt	NOUN
ajbmeb-2697	69	28	structure	structure	NOUN
ajbmeb-2697	69	29	(	(	PUNCT
ajbmeb-2697	69	30	if	if	SCONJ
ajbmeb-2697	69	31	necessary	necessary	ADJ
ajbmeb-2697	69	32	,	,	PUNCT
ajbmeb-2697	69	33	defer	defer	VERB
ajbmeb-2697	69	34	credit	credit	NOUN
ajbmeb-2697	69	35	repayment	repayment	NOUN
ajbmeb-2697	69	36	)	)	PUNCT
ajbmeb-2697	70	1	[	[	X
ajbmeb-2697	70	2	4	4	NUM
ajbmeb-2697	70	3	]	]	PUNCT
ajbmeb-2697	70	4	.	.	PUNCT
ajbmeb-2697	71	1	in	in	ADP
ajbmeb-2697	71	2	addition	addition	NOUN
ajbmeb-2697	71	3	to	to	ADP
ajbmeb-2697	71	4	these	these	DET
ajbmeb-2697	71	5	measures	measure	NOUN
ajbmeb-2697	71	6	,	,	PUNCT
ajbmeb-2697	71	7	the	the	DET
ajbmeb-2697	71	8	bank	bank	NOUN
ajbmeb-2697	71	9	must	must	AUX
ajbmeb-2697	71	10	also	also	ADV
ajbmeb-2697	71	11	analyze	analyze	VERB
ajbmeb-2697	71	12	the	the	DET
ajbmeb-2697	71	13	turnover	turnover	NOUN
ajbmeb-2697	71	14	of	of	ADP
ajbmeb-2697	71	15	the	the	DET
ajbmeb-2697	71	16	borrower	borrower	NOUN
ajbmeb-2697	71	17	's	's	PART
ajbmeb-2697	71	18	bank	bank	NOUN
ajbmeb-2697	71	19	accounts	account	NOUN
ajbmeb-2697	71	20	,	,	PUNCT
ajbmeb-2697	71	21	check	check	VERB
ajbmeb-2697	71	22	the	the	DET
ajbmeb-2697	71	23	sufficiency	sufficiency	NOUN
ajbmeb-2697	71	24	and	and	CCONJ
ajbmeb-2697	71	25	safety	safety	NOUN
ajbmeb-2697	71	26	of	of	ADP
ajbmeb-2697	71	27	the	the	DET
ajbmeb-2697	71	28	security	security	NOUN
ajbmeb-2697	71	29	,	,	PUNCT
ajbmeb-2697	71	30	assess	assess	VERB
ajbmeb-2697	71	31	the	the	DET
ajbmeb-2697	71	32	financial	financial	ADJ
ajbmeb-2697	71	33	position	position	NOUN
ajbmeb-2697	71	34	of	of	ADP
ajbmeb-2697	71	35	the	the	DET
ajbmeb-2697	71	36	guarantor	guarantor	NOUN
ajbmeb-2697	71	37	(	(	PUNCT
ajbmeb-2697	71	38	surety	surety	NOUN
ajbmeb-2697	71	39	)	)	PUNCT
ajbmeb-2697	71	40	at	at	ADP
ajbmeb-2697	71	41	the	the	DET
ajbmeb-2697	71	42	time	time	NOUN
ajbmeb-2697	71	43	of	of	ADP
ajbmeb-2697	71	44	the	the	DET
ajbmeb-2697	71	45	loan	loan	NOUN
ajbmeb-2697	71	46	and	and	CCONJ
ajbmeb-2697	71	47	in	in	ADP
ajbmeb-2697	71	48	the	the	DET
ajbmeb-2697	71	49	presence	presence	NOUN
ajbmeb-2697	71	50	of	of	ADP
ajbmeb-2697	71	51	a	a	DET
ajbmeb-2697	71	52	guarantee	guarantee	NOUN
ajbmeb-2697	71	53	(	(	PUNCT
ajbmeb-2697	71	54	surety	surety	NOUN
ajbmeb-2697	71	55	)	)	PUNCT
ajbmeb-2697	71	56	and	and	CCONJ
ajbmeb-2697	71	57	at	at	ADP
ajbmeb-2697	71	58	the	the	DET
ajbmeb-2697	71	59	time	time	NOUN
ajbmeb-2697	71	60	of	of	ADP
ajbmeb-2697	71	61	the	the	DET
ajbmeb-2697	71	62	formation	formation	NOUN
ajbmeb-2697	71	63	of	of	ADP
ajbmeb-2697	71	64	overdue	overdue	ADJ
ajbmeb-2697	71	65	debt	debt	NOUN
ajbmeb-2697	71	66	,	,	PUNCT
ajbmeb-2697	71	67	and	and	CCONJ
ajbmeb-2697	71	68	also	also	ADV
ajbmeb-2697	71	69	assess	assess	VERB
ajbmeb-2697	71	70	the	the	DET
ajbmeb-2697	71	71	completeness	completeness	NOUN
ajbmeb-2697	71	72	of	of	ADP
ajbmeb-2697	71	73	the	the	DET
ajbmeb-2697	71	74	measures	measure	NOUN
ajbmeb-2697	71	75	taken	take	VERB
ajbmeb-2697	71	76	by	by	ADP
ajbmeb-2697	71	77	the	the	DET
ajbmeb-2697	71	78	bank	bank	NOUN
ajbmeb-2697	71	79	to	to	PART
ajbmeb-2697	71	80	repay	repay	VERB
ajbmeb-2697	71	81	the	the	DET
ajbmeb-2697	71	82	overdue	overdue	ADJ
ajbmeb-2697	71	83	debt	debt	NOUN
ajbmeb-2697	71	84	.	.	PUNCT
ajbmeb-2697	72	1	monitoring	monitoring	NOUN
ajbmeb-2697	72	2	must	must	AUX
ajbmeb-2697	72	3	be	be	AUX
ajbmeb-2697	72	4	carried	carry	VERB
ajbmeb-2697	72	5	out	out	ADP
ajbmeb-2697	72	6	on	on	ADP
ajbmeb-2697	72	7	an	an	DET
ajbmeb-2697	72	8	ongoing	ongoing	ADJ
ajbmeb-2697	72	9	basis	basis	NOUN
ajbmeb-2697	72	10	.	.	PUNCT
ajbmeb-2697	73	1	in	in	ADP
ajbmeb-2697	73	2	most	most	ADJ
ajbmeb-2697	73	3	cases	case	NOUN
ajbmeb-2697	73	4	,	,	PUNCT
ajbmeb-2697	73	5	problem	problem	NOUN
ajbmeb-2697	73	6	loans	loan	NOUN
ajbmeb-2697	73	7	do	do	AUX
ajbmeb-2697	73	8	not	not	PART
ajbmeb-2697	73	9	arise	arise	VERB
ajbmeb-2697	73	10	suddenly	suddenly	ADV
ajbmeb-2697	73	11	.	.	PUNCT
ajbmeb-2697	74	1	in	in	ADP
ajbmeb-2697	74	2	practice	practice	NOUN
ajbmeb-2697	74	3	,	,	PUNCT
ajbmeb-2697	74	4	there	there	PRON
ajbmeb-2697	74	5	are	be	VERB
ajbmeb-2697	74	6	many	many	ADJ
ajbmeb-2697	74	7	signals	signal	NOUN
ajbmeb-2697	74	8	indicating	indicate	VERB
ajbmeb-2697	74	9	a	a	DET
ajbmeb-2697	74	10	deterioration	deterioration	NOUN
ajbmeb-2697	74	11	in	in	ADP
ajbmeb-2697	74	12	the	the	DET
ajbmeb-2697	74	13	financial	financial	ADJ
ajbmeb-2697	74	14	condition	condition	NOUN
ajbmeb-2697	74	15	of	of	ADP
ajbmeb-2697	74	16	the	the	DET
ajbmeb-2697	74	17	borrower	borrower	NOUN
ajbmeb-2697	74	18	and	and	CCONJ
ajbmeb-2697	74	19	an	an	DET
ajbmeb-2697	74	20	increased	increase	VERB
ajbmeb-2697	74	21	likelihood	likelihood	NOUN
ajbmeb-2697	74	22	of	of	ADP
ajbmeb-2697	74	23	non	non	NOUN
ajbmeb-2697	74	24	-	-	NOUN
ajbmeb-2697	74	25	repayment	repayment	NOUN
ajbmeb-2697	74	26	of	of	ADP
ajbmeb-2697	74	27	the	the	DET
ajbmeb-2697	74	28	loan	loan	NOUN
ajbmeb-2697	74	29	.	.	PUNCT
ajbmeb-2697	75	1	these	these	DET
ajbmeb-2697	75	2	signals	signal	NOUN
ajbmeb-2697	75	3	were	be	AUX
ajbmeb-2697	75	4	discussed	discuss	VERB
ajbmeb-2697	75	5	in	in	ADP
ajbmeb-2697	75	6	the	the	DET
ajbmeb-2697	75	7	first	first	ADJ
ajbmeb-2697	75	8	chapter	chapter	NOUN
ajbmeb-2697	75	9	.	.	PUNCT
ajbmeb-2697	76	1	to	to	PART
ajbmeb-2697	76	2	avoid	avoid	VERB
ajbmeb-2697	76	3	this	this	PRON
ajbmeb-2697	76	4	,	,	PUNCT
ajbmeb-2697	76	5	banks	bank	NOUN
ajbmeb-2697	76	6	must	must	AUX
ajbmeb-2697	76	7	periodically	periodically	ADV
ajbmeb-2697	76	8	conduct	conduct	VERB
ajbmeb-2697	76	9	objective	objective	ADJ
ajbmeb-2697	76	10	reviews	review	NOUN
ajbmeb-2697	76	11	of	of	ADP
ajbmeb-2697	76	12	loans	loan	NOUN
ajbmeb-2697	76	13	by	by	ADP
ajbmeb-2697	76	14	the	the	DET
ajbmeb-2697	76	15	internal	internal	PROPN
ajbmeb-2697	76	16	control	control	PROPN
ajbmeb-2697	76	17	department	department	PROPN
ajbmeb-2697	76	18	in	in	ADP
ajbmeb-2697	76	19	order	order	NOUN
ajbmeb-2697	76	20	to	to	PART
ajbmeb-2697	76	21	identify	identify	VERB
ajbmeb-2697	76	22	signs	sign	NOUN
ajbmeb-2697	76	23	of	of	ADP
ajbmeb-2697	76	24	problem	problem	NOUN
ajbmeb-2697	76	25	loans	loan	NOUN
ajbmeb-2697	76	26	missed	miss	VERB
ajbmeb-2697	76	27	or	or	CCONJ
ajbmeb-2697	76	28	hidden	hide	VERB
ajbmeb-2697	76	29	by	by	ADP
ajbmeb-2697	76	30	the	the	DET
ajbmeb-2697	76	31	credit	credit	NOUN
ajbmeb-2697	76	32	department	department	NOUN
ajbmeb-2697	76	33	employees	employee	NOUN
ajbmeb-2697	76	34	.	.	PUNCT
ajbmeb-2697	77	1	inspections	inspection	NOUN
ajbmeb-2697	77	2	conducted	conduct	VERB
ajbmeb-2697	77	3	by	by	ADP
ajbmeb-2697	77	4	supervisory	supervisory	ADJ
ajbmeb-2697	77	5	and	and	CCONJ
ajbmeb-2697	77	6	regulatory	regulatory	ADJ
ajbmeb-2697	77	7	authorities	authority	NOUN
ajbmeb-2697	77	8	also	also	ADV
ajbmeb-2697	77	9	very	very	ADV
ajbmeb-2697	77	10	often	often	ADV
ajbmeb-2697	77	11	reveal	reveal	VERB
ajbmeb-2697	77	12	previously	previously	ADV
ajbmeb-2697	77	13	unnoticed	unnoticed	ADJ
ajbmeb-2697	77	14	problem	problem	NOUN
ajbmeb-2697	77	15	loans	loan	NOUN
ajbmeb-2697	77	16	.	.	PUNCT
ajbmeb-2697	78	1	nevertheless	nevertheless	ADV
ajbmeb-2697	78	2	,	,	PUNCT
ajbmeb-2697	78	3	the	the	DET
ajbmeb-2697	78	4	first	first	ADJ
ajbmeb-2697	78	5	"	"	PUNCT
ajbmeb-2697	78	6	identifier	identifier	NOUN
ajbmeb-2697	78	7	"	"	PUNCT
ajbmeb-2697	78	8	of	of	ADP
ajbmeb-2697	78	9	problem	problem	NOUN
ajbmeb-2697	78	10	loans	loan	NOUN
ajbmeb-2697	78	11	should	should	AUX
ajbmeb-2697	78	12	be	be	AUX
ajbmeb-2697	78	13	the	the	DET
ajbmeb-2697	78	14	bank	bank	NOUN
ajbmeb-2697	78	15	's	's	PART
ajbmeb-2697	78	16	internal	internal	PROPN
ajbmeb-2697	78	17	control	control	PROPN
ajbmeb-2697	78	18	service	service	NOUN
ajbmeb-2697	78	19	.	.	PUNCT
ajbmeb-2697	79	1	some	some	DET
ajbmeb-2697	79	2	banks	bank	NOUN
ajbmeb-2697	79	3	even	even	ADV
ajbmeb-2697	79	4	apply	apply	VERB
ajbmeb-2697	79	5	sanctions	sanction	NOUN
ajbmeb-2697	79	6	to	to	ADP
ajbmeb-2697	79	7	credit	credit	NOUN
ajbmeb-2697	79	8	officers	officer	NOUN
ajbmeb-2697	79	9	if	if	SCONJ
ajbmeb-2697	79	10	problems	problem	NOUN
ajbmeb-2697	79	11	with	with	ADP
ajbmeb-2697	79	12	loans	loan	NOUN
ajbmeb-2697	79	13	are	be	AUX
ajbmeb-2697	79	14	not	not	PART
ajbmeb-2697	79	15	noticed	notice	VERB
ajbmeb-2697	79	16	by	by	ADP
ajbmeb-2697	79	17	them	they	PRON
ajbmeb-2697	79	18	.	.	PUNCT
ajbmeb-2697	80	1	however	however	ADV
ajbmeb-2697	80	2	,	,	PUNCT
ajbmeb-2697	80	3	in	in	ADP
ajbmeb-2697	80	4	order	order	NOUN
ajbmeb-2697	80	5	to	to	PART
ajbmeb-2697	80	6	have	have	AUX
ajbmeb-2697	80	7	as	as	ADV
ajbmeb-2697	80	8	few	few	ADJ
ajbmeb-2697	80	9	problem	problem	NOUN
ajbmeb-2697	80	10	loans	loan	NOUN
ajbmeb-2697	80	11	as	as	ADP
ajbmeb-2697	80	12	possible	possible	ADJ
ajbmeb-2697	80	13	,	,	PUNCT
ajbmeb-2697	80	14	work	work	VERB
ajbmeb-2697	80	15	to	to	PART
ajbmeb-2697	80	16	prevent	prevent	VERB
ajbmeb-2697	80	17	problematic	problematic	ADJ
ajbmeb-2697	80	18	situations	situation	NOUN
ajbmeb-2697	80	19	should	should	AUX
ajbmeb-2697	80	20	be	be	AUX
ajbmeb-2697	80	21	carried	carry	VERB
ajbmeb-2697	80	22	out	out	ADP
ajbmeb-2697	80	23	already	already	ADV
ajbmeb-2697	80	24	at	at	ADP
ajbmeb-2697	80	25	the	the	DET
ajbmeb-2697	80	26	stage	stage	NOUN
ajbmeb-2697	80	27	of	of	ADP
ajbmeb-2697	80	28	making	make	VERB
ajbmeb-2697	80	29	a	a	DET
ajbmeb-2697	80	30	decision	decision	NOUN
ajbmeb-2697	80	31	on	on	ADP
ajbmeb-2697	80	32	issuing	issue	VERB
ajbmeb-2697	80	33	a	a	DET
ajbmeb-2697	80	34	loan	loan	NOUN
ajbmeb-2697	80	35	with	with	ADP
ajbmeb-2697	80	36	the	the	DET
ajbmeb-2697	80	37	participation	participation	NOUN
ajbmeb-2697	80	38	of	of	ADP
ajbmeb-2697	80	39	employees	employee	NOUN
ajbmeb-2697	80	40	of	of	ADP
ajbmeb-2697	80	41	the	the	DET
ajbmeb-2697	80	42	internal	internal	PROPN
ajbmeb-2697	80	43	control	control	PROPN
ajbmeb-2697	80	44	service	service	PROPN
ajbmeb-2697	80	45	.	.	PUNCT
ajbmeb-2697	81	1	but	but	CCONJ
ajbmeb-2697	81	2	even	even	ADV
ajbmeb-2697	81	3	if	if	SCONJ
ajbmeb-2697	81	4	the	the	DET
ajbmeb-2697	81	5	loan	loan	NOUN
ajbmeb-2697	81	6	was	be	AUX
ajbmeb-2697	81	7	issued	issue	VERB
ajbmeb-2697	81	8	to	to	ADP
ajbmeb-2697	81	9	a	a	DET
ajbmeb-2697	81	10	borrower	borrower	NOUN
ajbmeb-2697	81	11	who	who	PRON
ajbmeb-2697	81	12	met	meet	VERB
ajbmeb-2697	81	13	all	all	DET
ajbmeb-2697	81	14	the	the	DET
ajbmeb-2697	81	15	parameters	parameter	NOUN
ajbmeb-2697	81	16	of	of	ADP
ajbmeb-2697	81	17	creditworthiness	creditworthiness	NOUN
ajbmeb-2697	81	18	,	,	PUNCT
ajbmeb-2697	81	19	it	it	PRON
ajbmeb-2697	81	20	is	be	AUX
ajbmeb-2697	81	21	necessary	necessary	ADJ
ajbmeb-2697	81	22	to	to	PART
ajbmeb-2697	81	23	constantly	constantly	ADV
ajbmeb-2697	81	24	monitor	monitor	VERB
ajbmeb-2697	81	25	the	the	DET
ajbmeb-2697	81	26	situation	situation	NOUN
ajbmeb-2697	81	27	,	,	PUNCT
ajbmeb-2697	81	28	since	since	SCONJ
ajbmeb-2697	81	29	his	his	PRON
ajbmeb-2697	81	30	financial	financial	ADJ
ajbmeb-2697	81	31	situation	situation	NOUN
ajbmeb-2697	81	32	may	may	AUX
ajbmeb-2697	81	33	change	change	VERB
ajbmeb-2697	81	34	,	,	PUNCT
ajbmeb-2697	81	35	which	which	PRON
ajbmeb-2697	81	36	will	will	AUX
ajbmeb-2697	81	37	be	be	AUX
ajbmeb-2697	81	38	indicated	indicate	VERB
ajbmeb-2697	81	39	by	by	ADP
ajbmeb-2697	81	40	alarm	alarm	NOUN
ajbmeb-2697	81	41	signals	signal	NOUN
ajbmeb-2697	81	42	.	.	PUNCT
ajbmeb-2697	82	1	the	the	DET
ajbmeb-2697	82	2	reason	reason	NOUN
ajbmeb-2697	82	3	for	for	ADP
ajbmeb-2697	82	4	big	big	ADJ
ajbmeb-2697	82	5	problems	problem	NOUN
ajbmeb-2697	82	6	for	for	ADP
ajbmeb-2697	82	7	the	the	DET
ajbmeb-2697	82	8	borrower	borrower	NOUN
ajbmeb-2697	82	9	is	be	AUX
ajbmeb-2697	82	10	sometimes	sometimes	ADV
ajbmeb-2697	82	11	ordinary	ordinary	ADJ
ajbmeb-2697	82	12	forgetfulness	forgetfulness	NOUN
ajbmeb-2697	82	13	.	.	PUNCT
ajbmeb-2697	83	1	a	a	DET
ajbmeb-2697	83	2	person	person	NOUN
ajbmeb-2697	83	3	missed	miss	VERB
ajbmeb-2697	83	4	the	the	DET
ajbmeb-2697	83	5	date	date	NOUN
ajbmeb-2697	83	6	of	of	ADP
ajbmeb-2697	83	7	the	the	DET
ajbmeb-2697	83	8	next	next	ADJ
ajbmeb-2697	83	9	payment	payment	NOUN
ajbmeb-2697	83	10	,	,	PUNCT
ajbmeb-2697	83	11	paid	pay	VERB
ajbmeb-2697	83	12	the	the	DET
ajbmeb-2697	83	13	usual	usual	ADJ
ajbmeb-2697	83	14	amount	amount	NOUN
ajbmeb-2697	83	15	a	a	DET
ajbmeb-2697	83	16	couple	couple	NOUN
ajbmeb-2697	83	17	of	of	ADP
ajbmeb-2697	83	18	days	day	NOUN
ajbmeb-2697	83	19	later	later	ADV
ajbmeb-2697	83	20	.	.	PUNCT
ajbmeb-2697	84	1	but	but	CCONJ
ajbmeb-2697	84	2	fines	fine	NOUN
ajbmeb-2697	84	3	have	have	AUX
ajbmeb-2697	84	4	already	already	ADV
ajbmeb-2697	84	5	been	be	AUX
ajbmeb-2697	84	6	accrued	accrue	VERB
ajbmeb-2697	84	7	for	for	ADP
ajbmeb-2697	84	8	the	the	DET
ajbmeb-2697	84	9	delay	delay	NOUN
ajbmeb-2697	84	10	,	,	PUNCT
ajbmeb-2697	84	11	which	which	PRON
ajbmeb-2697	84	12	are	be	AUX
ajbmeb-2697	84	13	paid	pay	VERB
ajbmeb-2697	84	14	off	off	ADP
ajbmeb-2697	84	15	first	first	ADV
ajbmeb-2697	84	16	.	.	PUNCT
ajbmeb-2697	85	1	an	an	DET
ajbmeb-2697	85	2	underpayment	underpayment	NOUN
ajbmeb-2697	85	3	has	have	AUX
ajbmeb-2697	85	4	arisen	arise	VERB
ajbmeb-2697	85	5	,	,	PUNCT
ajbmeb-2697	85	6	which	which	PRON
ajbmeb-2697	85	7	the	the	DET
ajbmeb-2697	85	8	client	client	NOUN
ajbmeb-2697	85	9	is	be	AUX
ajbmeb-2697	85	10	unaware	unaware	ADJ
ajbmeb-2697	85	11	of	of	ADP
ajbmeb-2697	85	12	.	.	PUNCT
ajbmeb-2697	86	1	accordingly	accordingly	ADV
ajbmeb-2697	86	2	,	,	PUNCT
ajbmeb-2697	86	3	fines	fine	NOUN
ajbmeb-2697	86	4	are	be	AUX
ajbmeb-2697	86	5	accrued	accrue	VERB
ajbmeb-2697	86	6	on	on	ADP
ajbmeb-2697	86	7	it	it	PRON
ajbmeb-2697	86	8	,	,	PUNCT
ajbmeb-2697	86	9	which	which	PRON
ajbmeb-2697	86	10	accumulate	accumulate	VERB
ajbmeb-2697	86	11	.	.	PUNCT
ajbmeb-2697	87	1	and	and	CCONJ
ajbmeb-2697	87	2	if	if	SCONJ
ajbmeb-2697	87	3	this	this	DET
ajbmeb-2697	87	4	process	process	NOUN
ajbmeb-2697	87	5	is	be	AUX
ajbmeb-2697	87	6	"	"	PUNCT
ajbmeb-2697	87	7	launched	launch	VERB
ajbmeb-2697	87	8	"	"	PUNCT
ajbmeb-2697	87	9	,	,	PUNCT
ajbmeb-2697	87	10	a	a	DET
ajbmeb-2697	87	11	penny	penny	NOUN
ajbmeb-2697	87	12	misunderstanding	misunderstanding	NOUN
ajbmeb-2697	87	13	can	can	AUX
ajbmeb-2697	87	14	turn	turn	VERB
ajbmeb-2697	87	15	into	into	ADP
ajbmeb-2697	87	16	a	a	DET
ajbmeb-2697	87	17	serious	serious	ADJ
ajbmeb-2697	87	18	claim	claim	NOUN
ajbmeb-2697	87	19	.	.	PUNCT
ajbmeb-2697	88	1	therefore	therefore	ADV
ajbmeb-2697	88	2	,	,	PUNCT
ajbmeb-2697	88	3	it	it	PRON
ajbmeb-2697	88	4	is	be	AUX
ajbmeb-2697	88	5	very	very	ADV
ajbmeb-2697	88	6	important	important	ADJ
ajbmeb-2697	88	7	to	to	PART
ajbmeb-2697	88	8	organize	organize	VERB
ajbmeb-2697	88	9	preventive	preventive	ADJ
ajbmeb-2697	88	10	actions	action	NOUN
ajbmeb-2697	88	11	to	to	PART
ajbmeb-2697	88	12	prevent	prevent	VERB
ajbmeb-2697	88	13	the	the	DET
ajbmeb-2697	88	14	occurrence	occurrence	NOUN
ajbmeb-2697	88	15	of	of	ADP
ajbmeb-2697	88	16	a	a	DET
ajbmeb-2697	88	17	delay	delay	NOUN
ajbmeb-2697	88	18	due	due	ADP
ajbmeb-2697	88	19	to	to	ADP
ajbmeb-2697	88	20	the	the	DET
ajbmeb-2697	88	21	simple	simple	ADJ
ajbmeb-2697	88	22	forgetfulness	forgetfulness	NOUN
ajbmeb-2697	88	23	of	of	ADP
ajbmeb-2697	88	24	the	the	DET
ajbmeb-2697	88	25	borrower	borrower	NOUN
ajbmeb-2697	88	26	.	.	PUNCT
ajbmeb-2697	89	1	to	to	PART
ajbmeb-2697	89	2	do	do	VERB
ajbmeb-2697	89	3	this	this	PRON
ajbmeb-2697	89	4	,	,	PUNCT
ajbmeb-2697	89	5	it	it	PRON
ajbmeb-2697	89	6	is	be	AUX
ajbmeb-2697	89	7	sufficient	sufficient	ADJ
ajbmeb-2697	89	8	to	to	PART
ajbmeb-2697	89	9	notify	notify	VERB
ajbmeb-2697	89	10	the	the	DET
ajbmeb-2697	89	11	client	client	NOUN
ajbmeb-2697	89	12	in	in	ADP
ajbmeb-2697	89	13	advance	advance	NOUN
ajbmeb-2697	89	14	of	of	ADP
ajbmeb-2697	89	15	the	the	DET
ajbmeb-2697	89	16	need	need	NOUN
ajbmeb-2697	89	17	to	to	PART
ajbmeb-2697	89	18	make	make	VERB
ajbmeb-2697	89	19	the	the	DET
ajbmeb-2697	89	20	next	next	ADJ
ajbmeb-2697	89	21	payment	payment	NOUN
ajbmeb-2697	89	22	in	in	ADP
ajbmeb-2697	89	23	accordance	accordance	NOUN
ajbmeb-2697	89	24	with	with	ADP
ajbmeb-2697	89	25	the	the	DET
ajbmeb-2697	89	26	payment	payment	NOUN
ajbmeb-2697	89	27	schedule	schedule	NOUN
ajbmeb-2697	89	28	,	,	PUNCT
ajbmeb-2697	89	29	using	use	VERB
ajbmeb-2697	89	30	any	any	DET
ajbmeb-2697	89	31	method	method	NOUN
ajbmeb-2697	89	32	chosen	choose	VERB
ajbmeb-2697	89	33	by	by	ADP
ajbmeb-2697	89	34	the	the	DET
ajbmeb-2697	89	35	client	client	NOUN
ajbmeb-2697	89	36	(	(	PUNCT
ajbmeb-2697	89	37	sms	sms	NOUN
ajbmeb-2697	89	38	reminder	reminder	NOUN
ajbmeb-2697	89	39	,	,	PUNCT
ajbmeb-2697	89	40	email	email	NOUN
ajbmeb-2697	89	41	or	or	CCONJ
ajbmeb-2697	89	42	regular	regular	ADJ
ajbmeb-2697	89	43	mail	mail	NOUN
ajbmeb-2697	89	44	,	,	PUNCT
ajbmeb-2697	89	45	phone	phone	NOUN
ajbmeb-2697	89	46	call	call	NOUN
ajbmeb-2697	89	47	)	)	PUNCT
ajbmeb-2697	90	1	[	[	X
ajbmeb-2697	90	2	3	3	NUM
ajbmeb-2697	90	3	]	]	PUNCT
ajbmeb-2697	90	4	.	.	PUNCT
ajbmeb-2697	91	1	in	in	ADP
ajbmeb-2697	91	2	conclusion	conclusion	NOUN
ajbmeb-2697	91	3	,	,	PUNCT
ajbmeb-2697	91	4	it	it	PRON
ajbmeb-2697	91	5	is	be	AUX
ajbmeb-2697	91	6	necessary	necessary	ADJ
ajbmeb-2697	91	7	to	to	PART
ajbmeb-2697	91	8	focus	focus	VERB
ajbmeb-2697	91	9	on	on	ADP
ajbmeb-2697	91	10	the	the	DET
ajbmeb-2697	91	11	following	follow	VERB
ajbmeb-2697	91	12	premise	premise	NOUN
ajbmeb-2697	91	13	problem	problem	NOUN
ajbmeb-2697	91	14	loans	loan	NOUN
ajbmeb-2697	91	15	are	be	AUX
ajbmeb-2697	91	16	an	an	DET
ajbmeb-2697	91	17	integral	integral	ADJ
ajbmeb-2697	91	18	part	part	NOUN
ajbmeb-2697	91	19	of	of	ADP
ajbmeb-2697	91	20	the	the	DET
ajbmeb-2697	91	21	banking	banking	NOUN
ajbmeb-2697	91	22	business	business	NOUN
ajbmeb-2697	91	23	.	.	PUNCT
ajbmeb-2697	92	1	this	this	PRON
ajbmeb-2697	92	2	suggests	suggest	VERB
ajbmeb-2697	92	3	that	that	SCONJ
ajbmeb-2697	92	4	any	any	DET
ajbmeb-2697	92	5	credit	credit	NOUN
ajbmeb-2697	92	6	institution	institution	NOUN
ajbmeb-2697	92	7	should	should	AUX
ajbmeb-2697	92	8	have	have	VERB
ajbmeb-2697	92	9	a	a	DET
ajbmeb-2697	92	10	comprehensive	comprehensive	ADJ
ajbmeb-2697	92	11	system	system	NOUN
ajbmeb-2697	92	12	for	for	ADP
ajbmeb-2697	92	13	working	work	VERB
ajbmeb-2697	92	14	with	with	ADP
ajbmeb-2697	92	15	problem	problem	NOUN
ajbmeb-2697	92	16	loans	loan	NOUN
ajbmeb-2697	92	17	,	,	PUNCT
ajbmeb-2697	92	18	secured	secure	VERB
ajbmeb-2697	92	19	by	by	ADP
ajbmeb-2697	92	20	internal	internal	ADJ
ajbmeb-2697	92	21	regulatory	regulatory	ADJ
ajbmeb-2697	92	22	documents	document	NOUN
ajbmeb-2697	92	23	.	.	PUNCT
ajbmeb-2697	93	1	the	the	DET
ajbmeb-2697	93	2	relevant	relevant	ADJ
ajbmeb-2697	93	3	departments	department	NOUN
ajbmeb-2697	93	4	of	of	ADP
ajbmeb-2697	93	5	the	the	DET
ajbmeb-2697	93	6	bank	bank	NOUN
ajbmeb-2697	93	7	should	should	AUX
ajbmeb-2697	93	8	constantly	constantly	ADV
ajbmeb-2697	93	9	monitor	monitor	VERB
ajbmeb-2697	93	10	borrowers	borrower	NOUN
ajbmeb-2697	93	11	,	,	PUNCT
ajbmeb-2697	93	12	analyze	analyze	VERB
ajbmeb-2697	93	13	their	their	PRON
ajbmeb-2697	93	14	financial	financial	ADJ
ajbmeb-2697	93	15	and	and	CCONJ
ajbmeb-2697	93	16	economic	economic	ADJ
ajbmeb-2697	93	17	condition	condition	NOUN
ajbmeb-2697	93	18	,	,	PUNCT
ajbmeb-2697	93	19	identify	identify	VERB
ajbmeb-2697	93	20	signs	sign	NOUN
ajbmeb-2697	93	21	of	of	ADP
ajbmeb-2697	93	22	trouble	trouble	NOUN
ajbmeb-2697	93	23	at	at	ADP
ajbmeb-2697	93	24	an	an	DET
ajbmeb-2697	93	25	early	early	ADJ
ajbmeb-2697	93	26	stage	stage	NOUN
ajbmeb-2697	93	27	,	,	PUNCT
ajbmeb-2697	93	28	and	and	CCONJ
ajbmeb-2697	93	29	in	in	ADP
ajbmeb-2697	93	30	the	the	DET
ajbmeb-2697	93	31	event	event	NOUN
ajbmeb-2697	93	32	of	of	ADP
ajbmeb-2697	93	33	detection	detection	NOUN
ajbmeb-2697	93	34	of	of	ADP
ajbmeb-2697	93	35	a	a	DET
ajbmeb-2697	93	36	problem	problem	NOUN
ajbmeb-2697	93	37	loan	loan	NOUN
ajbmeb-2697	93	38	,	,	PUNCT
ajbmeb-2697	93	39	apply	apply	VERB
ajbmeb-2697	93	40	measures	measure	NOUN
ajbmeb-2697	93	41	to	to	PART
ajbmeb-2697	93	42	prevent	prevent	VERB
ajbmeb-2697	93	43	losses	loss	NOUN
ajbmeb-2697	93	44	.	.	PUNCT
ajbmeb-2697	94	1	in	in	ADP
ajbmeb-2697	94	2	turn	turn	NOUN
ajbmeb-2697	94	3	,	,	PUNCT
ajbmeb-2697	94	4	commercial	commercial	ADJ
ajbmeb-2697	94	5	banks	bank	NOUN
ajbmeb-2697	94	6	should	should	AUX
ajbmeb-2697	94	7	organize	organize	VERB
ajbmeb-2697	94	8	their	their	PRON
ajbmeb-2697	94	9	activities	activity	NOUN
ajbmeb-2697	94	10	in	in	ADP
ajbmeb-2697	94	11	such	such	DET
ajbmeb-2697	94	12	a	a	DET
ajbmeb-2697	94	13	way	way	NOUN
ajbmeb-2697	94	14	that	that	PRON
ajbmeb-2697	94	15	the	the	DET
ajbmeb-2697	94	16	lending	lending	NOUN
ajbmeb-2697	94	17	process	process	NOUN
ajbmeb-2697	94	18	,	,	PUNCT
ajbmeb-2697	94	19	not	not	PART
ajbmeb-2697	94	20	associated	associate	VERB
ajbmeb-2697	94	21	with	with	ADP
ajbmeb-2697	94	22	unjustified	unjustified	ADJ
ajbmeb-2697	94	23	risks	risk	NOUN
ajbmeb-2697	94	24	,	,	PUNCT
ajbmeb-2697	94	25	would	would	AUX
ajbmeb-2697	94	26	generate	generate	VERB
ajbmeb-2697	94	27	income	income	NOUN
ajbmeb-2697	94	28	,	,	PUNCT
ajbmeb-2697	94	29	and	and	CCONJ
ajbmeb-2697	94	30	the	the	DET
ajbmeb-2697	94	31	collection	collection	NOUN
ajbmeb-2697	94	32	process	process	NOUN
ajbmeb-2697	94	33	would	would	AUX
ajbmeb-2697	94	34	be	be	AUX
ajbmeb-2697	94	35	as	as	ADV
ajbmeb-2697	94	36	effective	effective	ADJ
ajbmeb-2697	94	37	as	as	ADP
ajbmeb-2697	94	38	possible	possible	ADJ
ajbmeb-2697	94	39	and	and	CCONJ
ajbmeb-2697	94	40	would	would	AUX
ajbmeb-2697	94	41	not	not	PART
ajbmeb-2697	94	42	violate	violate	VERB
ajbmeb-2697	94	43	the	the	DET
ajbmeb-2697	94	44	legal	legal	ADJ
ajbmeb-2697	94	45	rights	right	NOUN
ajbmeb-2697	94	46	and	and	CCONJ
ajbmeb-2697	94	47	interests	interest	NOUN
ajbmeb-2697	94	48	of	of	ADP
ajbmeb-2697	94	49	borrowers	borrower	NOUN
ajbmeb-2697	94	50	.	.	PUNCT
ajbmeb-2697	95	1	references	reference	NOUN
ajbmeb-2697	95	2	1	1	NUM
ajbmeb-2697	95	3	.	.	X
ajbmeb-2697	95	4	2020	2020	NUM
ajbmeb-2697	95	5	-	-	SYM
ajbmeb-2697	95	6	2025	2025	NUM
ajbmeb-2697	95	7	yillarga	yillarga	NOUN
ajbmeb-2697	95	8	mo’ljallangan	mo’ljallangan	NOUN
ajbmeb-2697	95	9	o’zbekiston	o’zbekiston	PROPN
ajbmeb-2697	95	10	respublikasining	respublikasine	VERB
ajbmeb-2697	95	11	bank	bank	NOUN
ajbmeb-2697	95	12	tizimini	tizimini	PROPN
ajbmeb-2697	95	13	isloh	isloh	NOUN
ajbmeb-2697	95	14	qilish	qilish	VERB
ajbmeb-2697	95	15	strategiyasi	strategiyasi	PROPN
ajbmeb-2697	95	16	to’g’risida	to’g’risida	PROPN
ajbmeb-2697	95	17	o’zbekiston	o’zbekiston	PROPN
ajbmeb-2697	95	18	respublikasi	respublikasi	NOUN
ajbmeb-2697	95	19	prezidentining	prezidentine	VERB
ajbmeb-2697	95	20	farmoni	farmoni	NOUN
ajbmeb-2697	95	21	,	,	PUNCT
ajbmeb-2697	95	22	12.05.2020	12.05.2020	NUM
ajbmeb-2697	95	23	yildagi	yildagi	NOUN
ajbmeb-2697	95	24	pf5992	pf5992	PROPN
ajbmeb-2697	95	25	-	-	PUNCT
ajbmeb-2697	95	26	son	son	NOUN
ajbmeb-2697	95	27	https://lex.uz/docs/-4811025	https://lex.uz/docs/-4811025	PROPN
ajbmeb-2697	95	28	2	2	NUM
ajbmeb-2697	95	29	.	.	PUNCT
ajbmeb-2697	95	30	giyaev	giyaev	PROPN
ajbmeb-2697	95	31	r.	r.	PROPN
ajbmeb-2697	95	32	a.	a.	PROPN
ajbmeb-2697	95	33	(	(	PUNCT
ajbmeb-2697	95	34	2024	2024	NUM
ajbmeb-2697	95	35	)	)	PUNCT
ajbmeb-2697	95	36	.	.	PUNCT
ajbmeb-2697	96	1	banklarda	banklarda	PROPN
ajbmeb-2697	96	2	muammoli	muammoli	PROPN
ajbmeb-2697	96	3	kreditlar	kreditlar	PROPN
ajbmeb-2697	96	4	bilan	bilan	PROPN
ajbmeb-2697	96	5	ishlash	ishlash	PROPN
ajbmeb-2697	96	6	yo‘llari	yo‘llari	PROPN
ajbmeb-2697	96	7	.	.	PROPN
ajbmeb-2697	96	8	tadqiqotlar.uz	tadqiqotlar.uz	NUM
ajbmeb-2697	96	9	,	,	PUNCT
ajbmeb-2697	96	10	40(5	40(5	NOUN
ajbmeb-2697	96	11	)	)	PUNCT
ajbmeb-2697	96	12	,	,	PUNCT
ajbmeb-2697	96	13	179–187	179–187	NUM
ajbmeb-2697	96	14	.	.	PUNCT
ajbmeb-2697	97	1	https://tadqiqotlar.uz/new/article/view/4001	https://tadqiqotlar.uz/new/article/view/4001	PROPN
ajbmeb-2697	97	2	https://lex.uz/docs/-4811025	https://lex.uz/docs/-4811025	PROPN
ajbmeb-2697	97	3	american	american	ADJ
ajbmeb-2697	97	4	journal	journal	PROPN
ajbmeb-2697	97	5	of	of	ADP
ajbmeb-2697	97	6	business	business	NOUN
ajbmeb-2697	97	7	management	management	NOUN
ajbmeb-2697	97	8	,	,	PUNCT
ajbmeb-2697	97	9	economics	economic	NOUN
ajbmeb-2697	97	10	and	and	CCONJ
ajbmeb-2697	97	11	banking	banking	NOUN
ajbmeb-2697	97	12	volume	volume	NOUN
ajbmeb-2697	97	13	33	33	NUM
ajbmeb-2697	97	14	february	february	NOUN
ajbmeb-2697	97	15	2025	2025	NUM
ajbmeb-2697	97	16	p	p	NOUN
ajbmeb-2697	98	1	a	a	PRON
ajbmeb-2697	98	2	g	g	NOUN
ajbmeb-2697	98	3	e	e	PROPN
ajbmeb-2697	99	1	|	|	ADV
ajbmeb-2697	99	2	28	28	NUM
ajbmeb-2697	99	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2697	99	4	3	3	NUM
ajbmeb-2697	99	5	.	.	PUNCT
ajbmeb-2697	99	6	kurbanov	kurbanov	PROPN
ajbmeb-2697	99	7	s.	s.	PROPN
ajbmeb-2697	99	8	(	(	PUNCT
ajbmeb-2697	99	9	2024	2024	NUM
ajbmeb-2697	99	10	)	)	PUNCT
ajbmeb-2697	99	11	.	.	PUNCT
ajbmeb-2697	100	1	optimization	optimization	NOUN
ajbmeb-2697	100	2	and	and	CCONJ
ajbmeb-2697	100	3	strategy	strategy	NOUN
ajbmeb-2697	100	4	of	of	ADP
ajbmeb-2697	100	5	working	work	VERB
ajbmeb-2697	100	6	with	with	ADP
ajbmeb-2697	100	7	problem	problem	NOUN
ajbmeb-2697	100	8	debt	debt	NOUN
ajbmeb-2697	100	9	in	in	ADP
ajbmeb-2697	100	10	banks	bank	NOUN
ajbmeb-2697	100	11	.	.	PUNCT
ajbmeb-2697	101	1	socioeconomic	socioeconomic	ADJ
ajbmeb-2697	101	2	phenomena	phenomenon	NOUN
ajbmeb-2697	101	3	and	and	CCONJ
ajbmeb-2697	101	4	processes	process	NOUN
ajbmeb-2697	101	5	,	,	PUNCT
ajbmeb-2697	101	6	no	no	INTJ
ajbmeb-2697	101	7	.	.	NOUN
ajbmeb-2697	101	8	2	2	NUM
ajbmeb-2697	101	9	,	,	PUNCT
ajbmeb-2697	101	10	183	183	NUM
ajbmeb-2697	101	11	-	-	SYM
ajbmeb-2697	101	12	187	187	NUM
ajbmeb-2697	101	13	.	.	PUNCT
ajbmeb-2697	101	14	4	4	NUM
ajbmeb-2697	101	15	.	.	PUNCT
ajbmeb-2697	101	16	semenova	semenova	PROPN
ajbmeb-2697	101	17	a.	a.	PROPN
ajbmeb-2697	101	18	(	(	PUNCT
ajbmeb-2697	101	19	2025	2025	NUM
ajbmeb-2697	101	20	)	)	PUNCT
ajbmeb-2697	101	21	.	.	PUNCT
ajbmeb-2697	102	1	ways	way	NOUN
ajbmeb-2697	102	2	to	to	PART
ajbmeb-2697	102	3	improve	improve	VERB
ajbmeb-2697	102	4	the	the	DET
ajbmeb-2697	102	5	organization	organization	NOUN
ajbmeb-2697	102	6	of	of	ADP
ajbmeb-2697	102	7	a	a	DET
ajbmeb-2697	102	8	bank	bank	NOUN
ajbmeb-2697	102	9	's	's	PART
ajbmeb-2697	102	10	work	work	NOUN
ajbmeb-2697	102	11	with	with	ADP
ajbmeb-2697	102	12	problem	problem	NOUN
ajbmeb-2697	102	13	loans	loan	NOUN
ajbmeb-2697	102	14	.	.	PUNCT
ajbmeb-2697	103	1	economy	economy	NOUN
ajbmeb-2697	103	2	and	and	CCONJ
ajbmeb-2697	103	3	society	society	NOUN
ajbmeb-2697	103	4	,	,	PUNCT
ajbmeb-2697	103	5	(	(	PUNCT
ajbmeb-2697	103	6	3	3	NUM
ajbmeb-2697	103	7	-	-	SYM
ajbmeb-2697	103	8	1	1	NUM
ajbmeb-2697	103	9	(	(	PUNCT
ajbmeb-2697	103	10	16	16	NUM
ajbmeb-2697	103	11	)	)	PUNCT
ajbmeb-2697	103	12	)	)	PUNCT
ajbmeb-2697	103	13	,	,	PUNCT
ajbmeb-2697	103	14	501	501	NUM
ajbmeb-2697	103	15	-	-	SYM
ajbmeb-2697	103	16	508	508	NUM
ajbmeb-2697	103	17	.	.	PUNCT
ajbmeb-2697	103	18	5	5	NUM
ajbmeb-2697	103	19	.	.	X
ajbmeb-2697	103	20	togaev	togaev	PROPN
ajbmeb-2697	103	21	s	s	PROPN
ajbmeb-2697	103	22	,	,	PUNCT
ajbmeb-2697	103	23	utkirov	utkirov	ADJ
ajbmeb-2697	103	24	a.	a.	NOUN
ajbmeb-2697	103	25	the	the	DET
ajbmeb-2697	103	26	impact	impact	NOUN
ajbmeb-2697	103	27	of	of	ADP
ajbmeb-2697	103	28	human	human	ADJ
ajbmeb-2697	103	29	resources	resource	NOUN
ajbmeb-2697	103	30	on	on	ADP
ajbmeb-2697	103	31	improving	improve	VERB
ajbmeb-2697	103	32	the	the	DET
ajbmeb-2697	103	33	quality	quality	NOUN
ajbmeb-2697	103	34	of	of	ADP
ajbmeb-2697	103	35	financial	financial	ADJ
ajbmeb-2697	103	36	services	service	NOUN
ajbmeb-2697	103	37	//	//	PUNCT
ajbmeb-2697	103	38	best	good	ADJ
ajbmeb-2697	103	39	journal	journal	NOUN
ajbmeb-2697	103	40	of	of	ADP
ajbmeb-2697	103	41	innovation	innovation	NOUN
ajbmeb-2697	103	42	in	in	ADP
ajbmeb-2697	103	43	science	science	NOUN
ajbmeb-2697	103	44	,	,	PUNCT
ajbmeb-2697	103	45	research	research	NOUN
ajbmeb-2697	103	46	and	and	CCONJ
ajbmeb-2697	103	47	development	development	NOUN
ajbmeb-2697	103	48	.	.	PUNCT
ajbmeb-2697	104	1	2023	2023	NUM
ajbmeb-2697	104	2	.	.	PUNCT