id	sid	tid	token	lemma	pos
ajbmeb-2837	1	1	american	american	PROPN
ajbmeb-2837	1	2	journal	journal	PROPN
ajbmeb-2837	1	3	of	of	ADP
ajbmeb-2837	1	4	business	business	NOUN
ajbmeb-2837	1	5	management	management	NOUN
ajbmeb-2837	1	6	,	,	PUNCT
ajbmeb-2837	1	7	economics	economic	NOUN
ajbmeb-2837	1	8	and	and	CCONJ
ajbmeb-2837	1	9	banking	banking	NOUN
ajbmeb-2837	1	10	issn	issn	PROPN
ajbmeb-2837	1	11	(	(	PUNCT
ajbmeb-2837	1	12	e	e	NOUN
ajbmeb-2837	1	13	):	):	PUNCT
ajbmeb-2837	1	14	2832	2832	NUM
ajbmeb-2837	1	15	-	-	SYM
ajbmeb-2837	1	16	8078	8078	NUM
ajbmeb-2837	1	17	volume	volume	NOUN
ajbmeb-2837	1	18	35	35	NUM
ajbmeb-2837	1	19	,	,	PUNCT
ajbmeb-2837	1	20	april	april	PROPN
ajbmeb-2837	1	21	2025	2025	NUM
ajbmeb-2837	1	22	p	p	NOUN
ajbmeb-2837	1	23	a	a	DET
ajbmeb-2837	1	24	g	g	NOUN
ajbmeb-2837	1	25	e	e	NOUN
ajbmeb-2837	2	1	|	|	ADV
ajbmeb-2837	2	2	7	7	NUM
ajbmeb-2837	2	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2837	2	4	the	the	DET
ajbmeb-2837	2	5	main	main	ADJ
ajbmeb-2837	2	6	ways	way	NOUN
ajbmeb-2837	2	7	of	of	ADP
ajbmeb-2837	2	8	effective	effective	ADJ
ajbmeb-2837	2	9	assessment	assessment	NOUN
ajbmeb-2837	2	10	of	of	ADP
ajbmeb-2837	2	11	monetary	monetary	ADJ
ajbmeb-2837	2	12	levers	lever	NOUN
ajbmeb-2837	2	13	and	and	CCONJ
ajbmeb-2837	2	14	risks	risk	NOUN
ajbmeb-2837	2	15	in	in	ADP
ajbmeb-2837	2	16	the	the	DET
ajbmeb-2837	2	17	diversification	diversification	NOUN
ajbmeb-2837	2	18	of	of	ADP
ajbmeb-2837	2	19	commercial	commercial	ADJ
ajbmeb-2837	2	20	banks	bank	NOUN
ajbmeb-2837	2	21	’	'	PUNCT
ajbmeb-2837	2	22	assets	asset	NOUN
ajbmeb-2837	2	23	abdurazzakov	abdurazzakov	PROPN
ajbmeb-2837	2	24	abdualim	abdualim	PROPN
ajbmeb-2837	2	25	abdujabbor	abdujabbor	PROPN
ajbmeb-2837	2	26	ugli	ugli	PROPN
ajbmeb-2837	2	27	independent	independent	ADJ
ajbmeb-2837	2	28	researcher	researcher	NOUN
ajbmeb-2837	2	29	at	at	ADP
ajbmeb-2837	2	30	tsue	tsue	PROPN
ajbmeb-2837	2	31	a	a	DET
ajbmeb-2837	2	32	b	b	PROPN
ajbmeb-2837	2	33	s	s	ADP
ajbmeb-2837	2	34	t	t	PROPN
ajbmeb-2837	2	35	r	r	NOUN
ajbmeb-2837	2	36	a	a	DET
ajbmeb-2837	2	37	c	c	NOUN
ajbmeb-2837	2	38	t	t	NOUN
ajbmeb-2837	2	39	k	k	X
ajbmeb-2837	2	40	e	e	PROPN
ajbmeb-2837	2	41	y	y	PROPN
ajbmeb-2837	2	42	w	w	NOUN
ajbmeb-2837	3	1	o	o	NOUN
ajbmeb-2837	3	2	r	r	NOUN
ajbmeb-2837	3	3	d	d	PROPN
ajbmeb-2837	3	4	s	s	VERB
ajbmeb-2837	3	5	this	this	DET
ajbmeb-2837	3	6	article	article	NOUN
ajbmeb-2837	3	7	discusses	discuss	VERB
ajbmeb-2837	3	8	the	the	DET
ajbmeb-2837	3	9	monetary	monetary	ADJ
ajbmeb-2837	3	10	levers	lever	NOUN
ajbmeb-2837	3	11	of	of	ADP
ajbmeb-2837	3	12	asset	asset	NOUN
ajbmeb-2837	3	13	diversification	diversification	NOUN
ajbmeb-2837	3	14	,	,	PUNCT
ajbmeb-2837	3	15	which	which	PRON
ajbmeb-2837	3	16	are	be	AUX
ajbmeb-2837	3	17	important	important	ADJ
ajbmeb-2837	3	18	in	in	ADP
ajbmeb-2837	3	19	stabilizing	stabilize	VERB
ajbmeb-2837	3	20	the	the	DET
ajbmeb-2837	3	21	risks	risk	NOUN
ajbmeb-2837	3	22	of	of	ADP
ajbmeb-2837	3	23	commercial	commercial	ADJ
ajbmeb-2837	3	24	banks	bank	NOUN
ajbmeb-2837	3	25	.	.	PUNCT
ajbmeb-2837	4	1	in	in	ADP
ajbmeb-2837	4	2	addition	addition	NOUN
ajbmeb-2837	4	3	,	,	PUNCT
ajbmeb-2837	4	4	the	the	DET
ajbmeb-2837	4	5	foreign	foreign	ADJ
ajbmeb-2837	4	6	experience	experience	NOUN
ajbmeb-2837	4	7	of	of	ADP
ajbmeb-2837	4	8	effective	effective	ADJ
ajbmeb-2837	4	9	assessment	assessment	NOUN
ajbmeb-2837	4	10	of	of	ADP
ajbmeb-2837	4	11	the	the	DET
ajbmeb-2837	4	12	level	level	NOUN
ajbmeb-2837	4	13	of	of	ADP
ajbmeb-2837	4	14	risks	risk	NOUN
ajbmeb-2837	4	15	is	be	AUX
ajbmeb-2837	4	16	studied	study	VERB
ajbmeb-2837	4	17	and	and	CCONJ
ajbmeb-2837	4	18	recommendations	recommendation	NOUN
ajbmeb-2837	4	19	are	be	AUX
ajbmeb-2837	4	20	given	give	VERB
ajbmeb-2837	4	21	for	for	ADP
ajbmeb-2837	4	22	its	its	PRON
ajbmeb-2837	4	23	implementation	implementation	NOUN
ajbmeb-2837	4	24	.	.	PUNCT
ajbmeb-2837	5	1	bank	bank	NOUN
ajbmeb-2837	5	2	,	,	PUNCT
ajbmeb-2837	5	3	risks	risk	NOUN
ajbmeb-2837	5	4	,	,	PUNCT
ajbmeb-2837	5	5	capital	capital	NOUN
ajbmeb-2837	5	6	,	,	PUNCT
ajbmeb-2837	5	7	loan	loan	NOUN
ajbmeb-2837	5	8	,	,	PUNCT
ajbmeb-2837	5	9	management	management	NOUN
ajbmeb-2837	5	10	,	,	PUNCT
ajbmeb-2837	5	11	finance	finance	NOUN
ajbmeb-2837	5	12	,	,	PUNCT
ajbmeb-2837	5	13	networks	network	NOUN
ajbmeb-2837	5	14	,	,	PUNCT
ajbmeb-2837	5	15	committee	committee	NOUN
ajbmeb-2837	5	16	,	,	PUNCT
ajbmeb-2837	5	17	income	income	NOUN
ajbmeb-2837	5	18	,	,	PUNCT
ajbmeb-2837	5	19	variation	variation	NOUN
ajbmeb-2837	5	20	,	,	PUNCT
ajbmeb-2837	5	21	dispersion	dispersion	NOUN
ajbmeb-2837	5	22	,	,	PUNCT
ajbmeb-2837	5	23	model	model	NOUN
ajbmeb-2837	5	24	restriction	restriction	NOUN
ajbmeb-2837	5	25	.	.	PUNCT
ajbmeb-2837	6	1	introduction	introduction	NOUN
ajbmeb-2837	6	2	any	any	DET
ajbmeb-2837	6	3	banking	banking	NOUN
ajbmeb-2837	6	4	activity	activity	NOUN
ajbmeb-2837	6	5	is	be	AUX
ajbmeb-2837	6	6	directly	directly	ADV
ajbmeb-2837	6	7	related	relate	VERB
ajbmeb-2837	6	8	to	to	ADP
ajbmeb-2837	6	9	various	various	ADJ
ajbmeb-2837	6	10	risks	risk	NOUN
ajbmeb-2837	6	11	,	,	PUNCT
ajbmeb-2837	6	12	the	the	DET
ajbmeb-2837	6	13	effective	effective	ADJ
ajbmeb-2837	6	14	management	management	NOUN
ajbmeb-2837	6	15	of	of	ADP
ajbmeb-2837	6	16	which	which	PRON
ajbmeb-2837	6	17	is	be	AUX
ajbmeb-2837	6	18	one	one	NUM
ajbmeb-2837	6	19	of	of	ADP
ajbmeb-2837	6	20	the	the	DET
ajbmeb-2837	6	21	most	most	ADV
ajbmeb-2837	6	22	important	important	ADJ
ajbmeb-2837	6	23	functions	function	NOUN
ajbmeb-2837	6	24	of	of	ADP
ajbmeb-2837	6	25	banks	bank	NOUN
ajbmeb-2837	6	26	.	.	PUNCT
ajbmeb-2837	7	1	the	the	DET
ajbmeb-2837	7	2	risk	risk	NOUN
ajbmeb-2837	7	3	in	in	ADP
ajbmeb-2837	7	4	any	any	DET
ajbmeb-2837	7	5	banking	banking	NOUN
ajbmeb-2837	7	6	transaction	transaction	NOUN
ajbmeb-2837	7	7	has	have	VERB
ajbmeb-2837	7	8	a	a	DET
ajbmeb-2837	7	9	different	different	ADJ
ajbmeb-2837	7	10	value	value	NOUN
ajbmeb-2837	7	11	and	and	CCONJ
ajbmeb-2837	7	12	is	be	AUX
ajbmeb-2837	7	13	covered	cover	VERB
ajbmeb-2837	7	14	in	in	ADP
ajbmeb-2837	7	15	different	different	ADJ
ajbmeb-2837	7	16	ways	way	NOUN
ajbmeb-2837	7	17	.	.	PUNCT
ajbmeb-2837	8	1	in	in	ADP
ajbmeb-2837	8	2	the	the	DET
ajbmeb-2837	8	3	economy	economy	NOUN
ajbmeb-2837	8	4	,	,	PUNCT
ajbmeb-2837	8	5	it	it	PRON
ajbmeb-2837	8	6	is	be	AUX
ajbmeb-2837	8	7	very	very	ADV
ajbmeb-2837	8	8	difficult	difficult	ADJ
ajbmeb-2837	8	9	to	to	PART
ajbmeb-2837	8	10	find	find	VERB
ajbmeb-2837	8	11	risk	risk	NOUN
ajbmeb-2837	8	12	-	-	PUNCT
ajbmeb-2837	8	13	free	free	ADJ
ajbmeb-2837	8	14	operations	operation	NOUN
ajbmeb-2837	8	15	that	that	PRON
ajbmeb-2837	8	16	guarantee	guarantee	VERB
ajbmeb-2837	8	17	a	a	DET
ajbmeb-2837	8	18	predetermined	predetermined	ADJ
ajbmeb-2837	8	19	financial	financial	ADJ
ajbmeb-2837	8	20	result	result	NOUN
ajbmeb-2837	8	21	.	.	PUNCT
ajbmeb-2837	9	1	risk	risk	NOUN
ajbmeb-2837	9	2	management	management	NOUN
ajbmeb-2837	9	3	in	in	ADP
ajbmeb-2837	9	4	banking	banking	NOUN
ajbmeb-2837	9	5	is	be	AUX
ajbmeb-2837	9	6	crucial	crucial	ADJ
ajbmeb-2837	9	7	in	in	ADP
ajbmeb-2837	9	8	minimizing	minimize	VERB
ajbmeb-2837	9	9	and	and	CCONJ
ajbmeb-2837	9	10	preventing	prevent	VERB
ajbmeb-2837	9	11	risks	risk	NOUN
ajbmeb-2837	9	12	.	.	PUNCT
ajbmeb-2837	10	1	the	the	DET
ajbmeb-2837	10	2	main	main	ADJ
ajbmeb-2837	10	3	goal	goal	NOUN
ajbmeb-2837	10	4	of	of	ADP
ajbmeb-2837	10	5	bank	bank	NOUN
ajbmeb-2837	10	6	risk	risk	NOUN
ajbmeb-2837	10	7	management	management	NOUN
ajbmeb-2837	10	8	is	be	AUX
ajbmeb-2837	10	9	to	to	PART
ajbmeb-2837	10	10	ensure	ensure	VERB
ajbmeb-2837	10	11	the	the	DET
ajbmeb-2837	10	12	best	good	ADJ
ajbmeb-2837	10	13	possible	possible	ADJ
ajbmeb-2837	10	14	balance	balance	NOUN
ajbmeb-2837	10	15	between	between	ADP
ajbmeb-2837	10	16	the	the	DET
ajbmeb-2837	10	17	bank	bank	NOUN
ajbmeb-2837	10	18	's	's	PART
ajbmeb-2837	10	19	profit	profit	NOUN
ajbmeb-2837	10	20	and	and	CCONJ
ajbmeb-2837	10	21	its	its	PRON
ajbmeb-2837	10	22	liquidity	liquidity	NOUN
ajbmeb-2837	10	23	and	and	CCONJ
ajbmeb-2837	10	24	safety	safety	NOUN
ajbmeb-2837	10	25	when	when	SCONJ
ajbmeb-2837	10	26	managing	manage	VERB
ajbmeb-2837	10	27	the	the	DET
ajbmeb-2837	10	28	bank	bank	NOUN
ajbmeb-2837	10	29	's	's	PART
ajbmeb-2837	10	30	assets	asset	NOUN
ajbmeb-2837	10	31	and	and	CCONJ
ajbmeb-2837	10	32	liabilities	liability	NOUN
ajbmeb-2837	10	33	,	,	PUNCT
ajbmeb-2837	10	34	that	that	ADV
ajbmeb-2837	10	35	is	is	ADV
ajbmeb-2837	10	36	,	,	PUNCT
ajbmeb-2837	10	37	to	to	PART
ajbmeb-2837	10	38	minimize	minimize	VERB
ajbmeb-2837	10	39	losses	loss	NOUN
ajbmeb-2837	10	40	that	that	PRON
ajbmeb-2837	10	41	may	may	AUX
ajbmeb-2837	10	42	arise	arise	VERB
ajbmeb-2837	10	43	from	from	ADP
ajbmeb-2837	10	44	risks	risk	NOUN
ajbmeb-2837	10	45	.	.	PUNCT
ajbmeb-2837	11	1	effective	effective	ADJ
ajbmeb-2837	11	2	risk	risk	NOUN
ajbmeb-2837	11	3	management	management	NOUN
ajbmeb-2837	11	4	helps	help	VERB
ajbmeb-2837	11	5	to	to	PART
ajbmeb-2837	11	6	solve	solve	VERB
ajbmeb-2837	11	7	many	many	ADJ
ajbmeb-2837	11	8	problems	problem	NOUN
ajbmeb-2837	11	9	that	that	PRON
ajbmeb-2837	11	10	may	may	AUX
ajbmeb-2837	11	11	arise	arise	VERB
ajbmeb-2837	11	12	in	in	ADP
ajbmeb-2837	11	13	banking	banking	NOUN
ajbmeb-2837	11	14	activities	activity	NOUN
ajbmeb-2837	11	15	.	.	PUNCT
ajbmeb-2837	12	1	the	the	DET
ajbmeb-2837	12	2	level	level	NOUN
ajbmeb-2837	12	3	of	of	ADP
ajbmeb-2837	12	4	risk	risk	NOUN
ajbmeb-2837	12	5	varies	vary	VERB
ajbmeb-2837	12	6	depending	depend	VERB
ajbmeb-2837	12	7	on	on	ADP
ajbmeb-2837	12	8	various	various	ADJ
ajbmeb-2837	12	9	reasons	reason	NOUN
ajbmeb-2837	12	10	and	and	CCONJ
ajbmeb-2837	12	11	factors	factor	NOUN
ajbmeb-2837	12	12	.	.	PUNCT
ajbmeb-2837	13	1	for	for	ADP
ajbmeb-2837	13	2	this	this	DET
ajbmeb-2837	13	3	reason	reason	NOUN
ajbmeb-2837	13	4	,	,	PUNCT
ajbmeb-2837	13	5	banks	bank	NOUN
ajbmeb-2837	13	6	should	should	AUX
ajbmeb-2837	13	7	conduct	conduct	VERB
ajbmeb-2837	13	8	their	their	PRON
ajbmeb-2837	13	9	activities	activity	NOUN
ajbmeb-2837	13	10	by	by	ADP
ajbmeb-2837	13	11	calculating	calculate	VERB
ajbmeb-2837	13	12	risks	risk	NOUN
ajbmeb-2837	13	13	based	base	VERB
ajbmeb-2837	13	14	on	on	ADP
ajbmeb-2837	13	15	market	market	NOUN
ajbmeb-2837	13	16	conditions	condition	NOUN
ajbmeb-2837	13	17	,	,	PUNCT
ajbmeb-2837	13	18	customer	customer	NOUN
ajbmeb-2837	13	19	quality	quality	NOUN
ajbmeb-2837	13	20	,	,	PUNCT
ajbmeb-2837	13	21	demand	demand	NOUN
ajbmeb-2837	13	22	,	,	PUNCT
ajbmeb-2837	13	23	etc	etc	X
ajbmeb-2837	13	24	.	.	X
ajbmeb-2837	13	25	,	,	PUNCT
ajbmeb-2837	13	26	the	the	DET
ajbmeb-2837	13	27	state	state	NOUN
ajbmeb-2837	13	28	of	of	ADP
ajbmeb-2837	13	29	their	their	PRON
ajbmeb-2837	13	30	assets	asset	NOUN
ajbmeb-2837	13	31	and	and	CCONJ
ajbmeb-2837	13	32	liabilities	liability	NOUN
ajbmeb-2837	13	33	,	,	PUNCT
ajbmeb-2837	13	34	and	and	CCONJ
ajbmeb-2837	13	35	the	the	DET
ajbmeb-2837	13	36	supply	supply	NOUN
ajbmeb-2837	13	37	and	and	CCONJ
ajbmeb-2837	13	38	demand	demand	NOUN
ajbmeb-2837	13	39	for	for	ADP
ajbmeb-2837	13	40	banking	banking	NOUN
ajbmeb-2837	13	41	services	service	NOUN
ajbmeb-2837	13	42	.	.	PUNCT
ajbmeb-2837	14	1	the	the	DET
ajbmeb-2837	14	2	risk	risk	NOUN
ajbmeb-2837	14	3	management	management	NOUN
ajbmeb-2837	14	4	process	process	NOUN
ajbmeb-2837	14	5	includes	include	VERB
ajbmeb-2837	14	6	the	the	DET
ajbmeb-2837	14	7	following	following	NOUN
ajbmeb-2837	14	8	:	:	PUNCT
ajbmeb-2837	14	9	anticipating	anticipate	VERB
ajbmeb-2837	14	10	risks	risk	NOUN
ajbmeb-2837	14	11	,	,	PUNCT
ajbmeb-2837	14	12	determining	determine	VERB
ajbmeb-2837	14	13	their	their	PRON
ajbmeb-2837	14	14	estimated	estimate	VERB
ajbmeb-2837	14	15	volume	volume	NOUN
ajbmeb-2837	14	16	and	and	CCONJ
ajbmeb-2837	14	17	impact	impact	NOUN
ajbmeb-2837	14	18	,	,	PUNCT
ajbmeb-2837	14	19	developing	develop	VERB
ajbmeb-2837	14	20	measures	measure	NOUN
ajbmeb-2837	14	21	to	to	PART
ajbmeb-2837	14	22	prevent	prevent	VERB
ajbmeb-2837	14	23	or	or	CCONJ
ajbmeb-2837	14	24	minimize	minimize	VERB
ajbmeb-2837	14	25	risks	risk	NOUN
ajbmeb-2837	14	26	,	,	PUNCT
ajbmeb-2837	14	27	preventing	prevent	VERB
ajbmeb-2837	14	28	losses	loss	NOUN
ajbmeb-2837	14	29	that	that	PRON
ajbmeb-2837	14	30	may	may	AUX
ajbmeb-2837	14	31	arise	arise	VERB
ajbmeb-2837	14	32	under	under	ADP
ajbmeb-2837	14	33	their	their	PRON
ajbmeb-2837	14	34	influence	influence	NOUN
ajbmeb-2837	14	35	,	,	PUNCT
ajbmeb-2837	14	36	etc	etc	X
ajbmeb-2837	14	37	.	.	X
ajbmeb-2837	14	38	in	in	ADP
ajbmeb-2837	14	39	this	this	DET
ajbmeb-2837	14	40	regard	regard	NOUN
ajbmeb-2837	14	41	,	,	PUNCT
ajbmeb-2837	14	42	commercial	commercial	ADJ
ajbmeb-2837	14	43	banks	bank	NOUN
ajbmeb-2837	14	44	have	have	AUX
ajbmeb-2837	14	45	been	be	AUX
ajbmeb-2837	14	46	actively	actively	ADV
ajbmeb-2837	14	47	participating	participate	VERB
ajbmeb-2837	14	48	in	in	ADP
ajbmeb-2837	14	49	the	the	DET
ajbmeb-2837	14	50	securities	security	NOUN
ajbmeb-2837	14	51	market	market	NOUN
ajbmeb-2837	14	52	.	.	PUNCT
ajbmeb-2837	15	1	commercial	commercial	ADJ
ajbmeb-2837	15	2	banks	bank	NOUN
ajbmeb-2837	15	3	have	have	AUX
ajbmeb-2837	15	4	emerged	emerge	VERB
ajbmeb-2837	15	5	as	as	ADP
ajbmeb-2837	15	6	a	a	DET
ajbmeb-2837	15	7	method	method	NOUN
ajbmeb-2837	15	8	of	of	ADP
ajbmeb-2837	15	9	securitizing	securitize	VERB
ajbmeb-2837	15	10	their	their	PRON
ajbmeb-2837	15	11	assets	asset	NOUN
ajbmeb-2837	15	12	in	in	ADP
ajbmeb-2837	15	13	attracting	attract	VERB
ajbmeb-2837	15	14	financial	financial	ADJ
ajbmeb-2837	15	15	resources	resource	NOUN
ajbmeb-2837	15	16	,	,	PUNCT
ajbmeb-2837	15	17	which	which	PRON
ajbmeb-2837	15	18	is	be	AUX
ajbmeb-2837	15	19	practically	practically	ADV
ajbmeb-2837	15	20	important	important	ADJ
ajbmeb-2837	15	21	for	for	ADP
ajbmeb-2837	15	22	them	they	PRON
ajbmeb-2837	15	23	by	by	ADP
ajbmeb-2837	15	24	issuing	issue	VERB
ajbmeb-2837	15	25	various	various	ADJ
ajbmeb-2837	15	26	types	type	NOUN
ajbmeb-2837	15	27	of	of	ADP
ajbmeb-2837	15	28	securities	security	NOUN
ajbmeb-2837	15	29	in	in	ADP
ajbmeb-2837	15	30	the	the	DET
ajbmeb-2837	15	31	financial	financial	ADJ
ajbmeb-2837	15	32	market	market	NOUN
ajbmeb-2837	15	33	.	.	PUNCT
ajbmeb-2837	16	1	asset	asset	NOUN
ajbmeb-2837	16	2	securitization	securitization	NOUN
ajbmeb-2837	16	3	increases	increase	VERB
ajbmeb-2837	16	4	the	the	DET
ajbmeb-2837	16	5	efficiency	efficiency	NOUN
ajbmeb-2837	16	6	of	of	ADP
ajbmeb-2837	16	7	the	the	DET
ajbmeb-2837	16	8	bank	bank	NOUN
ajbmeb-2837	16	9	’s	’s	PART
ajbmeb-2837	16	10	overall	overall	ADJ
ajbmeb-2837	16	11	economic	economic	ADJ
ajbmeb-2837	16	12	activity	activity	NOUN
ajbmeb-2837	16	13	by	by	ADP
ajbmeb-2837	16	14	being	be	AUX
ajbmeb-2837	16	15	used	use	VERB
ajbmeb-2837	16	16	not	not	PART
ajbmeb-2837	16	17	only	only	ADV
ajbmeb-2837	16	18	as	as	ADP
ajbmeb-2837	16	19	an	an	DET
ajbmeb-2837	16	20	important	important	ADJ
ajbmeb-2837	16	21	tool	tool	NOUN
ajbmeb-2837	16	22	for	for	ADP
ajbmeb-2837	16	23	attracting	attract	VERB
ajbmeb-2837	16	24	cheap	cheap	ADJ
ajbmeb-2837	16	25	financial	financial	ADJ
ajbmeb-2837	16	26	funds	fund	NOUN
ajbmeb-2837	16	27	to	to	ADP
ajbmeb-2837	16	28	banks	bank	NOUN
ajbmeb-2837	16	29	,	,	PUNCT
ajbmeb-2837	16	30	but	but	CCONJ
ajbmeb-2837	16	31	also	also	ADV
ajbmeb-2837	16	32	as	as	ADP
ajbmeb-2837	16	33	an	an	DET
ajbmeb-2837	16	34	important	important	ADJ
ajbmeb-2837	16	35	financial	financial	ADJ
ajbmeb-2837	16	36	technology	technology	NOUN
ajbmeb-2837	16	37	for	for	ADP
ajbmeb-2837	16	38	ensuring	ensure	VERB
ajbmeb-2837	16	39	the	the	DET
ajbmeb-2837	16	40	liquidity	liquidity	NOUN
ajbmeb-2837	16	41	of	of	ADP
ajbmeb-2837	16	42	banks	bank	NOUN
ajbmeb-2837	16	43	’	'	PUNCT
ajbmeb-2837	16	44	balance	balance	NOUN
ajbmeb-2837	16	45	sheets	sheet	NOUN
ajbmeb-2837	16	46	,	,	PUNCT
ajbmeb-2837	16	47	achieving	achieve	VERB
ajbmeb-2837	16	48	effectiveness	effectiveness	NOUN
ajbmeb-2837	16	49	in	in	ADP
ajbmeb-2837	16	50	risk	risk	NOUN
ajbmeb-2837	16	51	management	management	NOUN
ajbmeb-2837	16	52	,	,	PUNCT
ajbmeb-2837	16	53	and	and	CCONJ
ajbmeb-2837	16	54	increasing	increase	VERB
ajbmeb-2837	16	55	the	the	DET
ajbmeb-2837	16	56	bank	bank	NOUN
ajbmeb-2837	16	57	’s	’s	PART
ajbmeb-2837	16	58	economic	economic	ADJ
ajbmeb-2837	16	59	profit	profit	NOUN
ajbmeb-2837	16	60	.	.	PUNCT
ajbmeb-2837	17	1	american	american	ADJ
ajbmeb-2837	17	2	journal	journal	PROPN
ajbmeb-2837	17	3	of	of	ADP
ajbmeb-2837	17	4	business	business	NOUN
ajbmeb-2837	17	5	management	management	NOUN
ajbmeb-2837	17	6	,	,	PUNCT
ajbmeb-2837	17	7	economics	economic	NOUN
ajbmeb-2837	17	8	and	and	CCONJ
ajbmeb-2837	17	9	banking	banking	NOUN
ajbmeb-2837	17	10	volume	volume	NOUN
ajbmeb-2837	17	11	35	35	NUM
ajbmeb-2837	17	12	april	april	PROPN
ajbmeb-2837	17	13	2025	2025	NUM
ajbmeb-2837	17	14	p	p	NOUN
ajbmeb-2837	17	15	a	a	DET
ajbmeb-2837	17	16	g	g	NOUN
ajbmeb-2837	17	17	e	e	NOUN
ajbmeb-2837	17	18	|	|	ADV
ajbmeb-2837	17	19	8	8	NUM
ajbmeb-2837	17	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2837	17	21	review	review	NOUN
ajbmeb-2837	17	22	of	of	ADP
ajbmeb-2837	17	23	literature	literature	NOUN
ajbmeb-2837	17	24	on	on	ADP
ajbmeb-2837	17	25	the	the	DET
ajbmeb-2837	17	26	subject	subject	NOUN
ajbmeb-2837	17	27	for	for	ADP
ajbmeb-2837	17	28	banks	bank	NOUN
ajbmeb-2837	17	29	,	,	PUNCT
ajbmeb-2837	17	30	it	it	PRON
ajbmeb-2837	17	31	is	be	AUX
ajbmeb-2837	17	32	important	important	ADJ
ajbmeb-2837	17	33	not	not	PART
ajbmeb-2837	17	34	to	to	PART
ajbmeb-2837	17	35	avoid	avoid	VERB
ajbmeb-2837	17	36	risks	risk	NOUN
ajbmeb-2837	17	37	,	,	PUNCT
ajbmeb-2837	17	38	but	but	CCONJ
ajbmeb-2837	17	39	to	to	PART
ajbmeb-2837	17	40	eliminate	eliminate	VERB
ajbmeb-2837	17	41	them	they	PRON
ajbmeb-2837	17	42	,	,	PUNCT
ajbmeb-2837	17	43	to	to	PART
ajbmeb-2837	17	44	minimize	minimize	VERB
ajbmeb-2837	17	45	them	they	PRON
ajbmeb-2837	17	46	.	.	PUNCT
ajbmeb-2837	18	1	however	however	ADV
ajbmeb-2837	18	2	,	,	PUNCT
ajbmeb-2837	18	3	there	there	PRON
ajbmeb-2837	18	4	is	be	VERB
ajbmeb-2837	18	5	no	no	DET
ajbmeb-2837	18	6	single	single	ADJ
ajbmeb-2837	18	7	approach	approach	NOUN
ajbmeb-2837	18	8	to	to	ADP
ajbmeb-2837	18	9	their	their	PRON
ajbmeb-2837	18	10	essence	essence	NOUN
ajbmeb-2837	18	11	.	.	PUNCT
ajbmeb-2837	19	1	most	most	ADJ
ajbmeb-2837	19	2	scholars	scholar	NOUN
ajbmeb-2837	19	3	attribute	attribute	VERB
ajbmeb-2837	19	4	the	the	DET
ajbmeb-2837	19	5	causes	cause	NOUN
ajbmeb-2837	19	6	of	of	ADP
ajbmeb-2837	19	7	risk	risk	NOUN
ajbmeb-2837	19	8	to	to	ADP
ajbmeb-2837	19	9	situations	situation	NOUN
ajbmeb-2837	19	10	and	and	CCONJ
ajbmeb-2837	19	11	factors	factor	NOUN
ajbmeb-2837	19	12	that	that	PRON
ajbmeb-2837	19	13	lead	lead	VERB
ajbmeb-2837	19	14	to	to	ADP
ajbmeb-2837	19	15	losses	loss	NOUN
ajbmeb-2837	19	16	.	.	PUNCT
ajbmeb-2837	20	1	according	accord	VERB
ajbmeb-2837	20	2	to	to	ADP
ajbmeb-2837	20	3	i.	i.	PROPN
ajbmeb-2837	20	4	bernard	bernard	PROPN
ajbmeb-2837	20	5	and	and	CCONJ
ajbmeb-2837	20	6	j.	j.	PROPN
ajbmeb-2837	20	7	collier	collier	PROPN
ajbmeb-2837	20	8	,	,	PUNCT
ajbmeb-2837	20	9	credit	credit	NOUN
ajbmeb-2837	20	10	risk	risk	NOUN
ajbmeb-2837	20	11	,	,	PUNCT
ajbmeb-2837	20	12	as	as	ADP
ajbmeb-2837	20	13	a	a	DET
ajbmeb-2837	20	14	type	type	NOUN
ajbmeb-2837	20	15	of	of	ADP
ajbmeb-2837	20	16	banking	banking	NOUN
ajbmeb-2837	20	17	risk	risk	NOUN
ajbmeb-2837	20	18	,	,	PUNCT
ajbmeb-2837	20	19	is	be	AUX
ajbmeb-2837	20	20	interpreted	interpret	VERB
ajbmeb-2837	20	21	as	as	ADP
ajbmeb-2837	20	22	unforeseen	unforeseen	ADJ
ajbmeb-2837	20	23	circumstances	circumstance	NOUN
ajbmeb-2837	20	24	that	that	PRON
ajbmeb-2837	20	25	may	may	AUX
ajbmeb-2837	20	26	arise	arise	VERB
ajbmeb-2837	20	27	before	before	SCONJ
ajbmeb-2837	20	28	the	the	DET
ajbmeb-2837	20	29	loan	loan	NOUN
ajbmeb-2837	20	30	is	be	AUX
ajbmeb-2837	20	31	repaid	repay	VERB
ajbmeb-2837	20	32	.	.	PUNCT
ajbmeb-2837	21	1	the	the	DET
ajbmeb-2837	21	2	international	international	PROPN
ajbmeb-2837	21	3	basel	basel	PROPN
ajbmeb-2837	21	4	committee	committee	PROPN
ajbmeb-2837	21	5	,	,	PUNCT
ajbmeb-2837	21	6	when	when	SCONJ
ajbmeb-2837	21	7	assessing	assess	VERB
ajbmeb-2837	21	8	capital	capital	NOUN
ajbmeb-2837	21	9	adequacy	adequacy	NOUN
ajbmeb-2837	21	10	,	,	PUNCT
ajbmeb-2837	21	11	defines	define	VERB
ajbmeb-2837	21	12	credit	credit	NOUN
ajbmeb-2837	21	13	risk	risk	NOUN
ajbmeb-2837	21	14	as	as	ADP
ajbmeb-2837	21	15	“	"	PUNCT
ajbmeb-2837	21	16	the	the	DET
ajbmeb-2837	21	17	risk	risk	NOUN
ajbmeb-2837	21	18	of	of	ADP
ajbmeb-2837	21	19	non	non	ADJ
ajbmeb-2837	21	20	-	-	NOUN
ajbmeb-2837	21	21	fulfillment	fulfillment	NOUN
ajbmeb-2837	21	22	of	of	ADP
ajbmeb-2837	21	23	obligations	obligation	NOUN
ajbmeb-2837	21	24	by	by	ADP
ajbmeb-2837	21	25	the	the	DET
ajbmeb-2837	21	26	counterparty	counterparty	NOUN
ajbmeb-2837	21	27	”	"	PUNCT
ajbmeb-2837	21	28	.	.	PUNCT
ajbmeb-2837	22	1	i.o	i.o	PROPN
ajbmeb-2837	22	2	.	.	PROPN
ajbmeb-2837	22	3	krolli	krolli	PROPN
ajbmeb-2837	22	4	defines	define	VERB
ajbmeb-2837	22	5	risk	risk	NOUN
ajbmeb-2837	22	6	as	as	ADP
ajbmeb-2837	22	7	the	the	DET
ajbmeb-2837	22	8	possibility	possibility	NOUN
ajbmeb-2837	22	9	of	of	ADP
ajbmeb-2837	22	10	a	a	DET
ajbmeb-2837	22	11	bank	bank	NOUN
ajbmeb-2837	22	12	losing	lose	VERB
ajbmeb-2837	22	13	part	part	NOUN
ajbmeb-2837	22	14	of	of	ADP
ajbmeb-2837	22	15	its	its	PRON
ajbmeb-2837	22	16	funds	fund	NOUN
ajbmeb-2837	22	17	,	,	PUNCT
ajbmeb-2837	22	18	not	not	PART
ajbmeb-2837	22	19	receiving	receive	VERB
ajbmeb-2837	22	20	the	the	DET
ajbmeb-2837	22	21	planned	plan	VERB
ajbmeb-2837	22	22	income	income	NOUN
ajbmeb-2837	22	23	,	,	PUNCT
ajbmeb-2837	22	24	or	or	CCONJ
ajbmeb-2837	22	25	incurring	incur	VERB
ajbmeb-2837	22	26	additional	additional	ADJ
ajbmeb-2837	22	27	expenses	expense	NOUN
ajbmeb-2837	22	28	as	as	ADP
ajbmeb-2837	22	29	a	a	DET
ajbmeb-2837	22	30	result	result	NOUN
ajbmeb-2837	22	31	of	of	ADP
ajbmeb-2837	22	32	financial	financial	ADJ
ajbmeb-2837	22	33	operations	operation	NOUN
ajbmeb-2837	22	34	.	.	PUNCT
ajbmeb-2837	23	1	carl	carl	PROPN
ajbmeb-2837	23	2	birch	birch	PROPN
ajbmeb-2837	23	3	defines	define	VERB
ajbmeb-2837	23	4	it	it	PRON
ajbmeb-2837	23	5	as	as	ADP
ajbmeb-2837	23	6	“	"	PUNCT
ajbmeb-2837	23	7	a	a	DET
ajbmeb-2837	23	8	key	key	ADJ
ajbmeb-2837	23	9	component	component	NOUN
ajbmeb-2837	23	10	of	of	ADP
ajbmeb-2837	23	11	any	any	DET
ajbmeb-2837	23	12	company	company	NOUN
ajbmeb-2837	23	13	’s	’s	PART
ajbmeb-2837	23	14	risk	risk	NOUN
ajbmeb-2837	23	15	management	management	NOUN
ajbmeb-2837	23	16	philosophy	philosophy	NOUN
ajbmeb-2837	23	17	is	be	AUX
ajbmeb-2837	23	18	determining	determine	VERB
ajbmeb-2837	23	19	its	its	PRON
ajbmeb-2837	23	20	risk	risk	NOUN
ajbmeb-2837	23	21	appetite	appetite	NOUN
ajbmeb-2837	23	22	.	.	PUNCT
ajbmeb-2837	24	1	risk	risk	NOUN
ajbmeb-2837	24	2	appetite	appetite	NOUN
ajbmeb-2837	24	3	reflects	reflect	VERB
ajbmeb-2837	24	4	the	the	DET
ajbmeb-2837	24	5	amount	amount	NOUN
ajbmeb-2837	24	6	of	of	ADP
ajbmeb-2837	24	7	risk	risk	NOUN
ajbmeb-2837	24	8	that	that	SCONJ
ajbmeb-2837	24	9	a	a	DET
ajbmeb-2837	24	10	company	company	NOUN
ajbmeb-2837	24	11	can	can	AUX
ajbmeb-2837	24	12	accept	accept	VERB
ajbmeb-2837	24	13	,	,	PUNCT
ajbmeb-2837	24	14	given	give	VERB
ajbmeb-2837	24	15	its	its	PRON
ajbmeb-2837	24	16	financial	financial	ADJ
ajbmeb-2837	24	17	and	and	CCONJ
ajbmeb-2837	24	18	operational	operational	ADJ
ajbmeb-2837	24	19	capabilities	capability	NOUN
ajbmeb-2837	24	20	,	,	PUNCT
ajbmeb-2837	24	21	growth	growth	NOUN
ajbmeb-2837	24	22	rates	rate	NOUN
ajbmeb-2837	24	23	,	,	PUNCT
ajbmeb-2837	24	24	and	and	CCONJ
ajbmeb-2837	24	25	profitability	profitability	NOUN
ajbmeb-2837	24	26	prospects	prospect	NOUN
ajbmeb-2837	24	27	for	for	ADP
ajbmeb-2837	24	28	stakeholders	stakeholder	NOUN
ajbmeb-2837	24	29	”	"	PUNCT
ajbmeb-2837	24	30	.	.	PUNCT
ajbmeb-2837	25	1	it	it	PRON
ajbmeb-2837	25	2	is	be	AUX
ajbmeb-2837	25	3	clear	clear	ADJ
ajbmeb-2837	25	4	from	from	ADP
ajbmeb-2837	25	5	the	the	DET
ajbmeb-2837	25	6	above	above	ADJ
ajbmeb-2837	25	7	definitions	definition	NOUN
ajbmeb-2837	25	8	that	that	SCONJ
ajbmeb-2837	25	9	the	the	DET
ajbmeb-2837	25	10	authors	author	NOUN
ajbmeb-2837	25	11	define	define	VERB
ajbmeb-2837	25	12	the	the	DET
ajbmeb-2837	25	13	essence	essence	NOUN
ajbmeb-2837	25	14	of	of	ADP
ajbmeb-2837	25	15	banking	banking	NOUN
ajbmeb-2837	25	16	risks	risk	NOUN
ajbmeb-2837	25	17	as	as	ADP
ajbmeb-2837	25	18	some	some	DET
ajbmeb-2837	25	19	kind	kind	NOUN
ajbmeb-2837	25	20	of	of	ADP
ajbmeb-2837	25	21	ambiguity	ambiguity	NOUN
ajbmeb-2837	25	22	,	,	PUNCT
ajbmeb-2837	25	23	uncertainty	uncertainty	NOUN
ajbmeb-2837	25	24	,	,	PUNCT
ajbmeb-2837	25	25	risk	risk	NOUN
ajbmeb-2837	25	26	in	in	ADP
ajbmeb-2837	25	27	unforeseen	unforeseen	ADJ
ajbmeb-2837	25	28	circumstances	circumstance	NOUN
ajbmeb-2837	25	29	,	,	PUNCT
ajbmeb-2837	25	30	the	the	DET
ajbmeb-2837	25	31	possibility	possibility	NOUN
ajbmeb-2837	25	32	of	of	ADP
ajbmeb-2837	25	33	not	not	PART
ajbmeb-2837	25	34	receiving	receive	VERB
ajbmeb-2837	25	35	income	income	NOUN
ajbmeb-2837	25	36	or	or	CCONJ
ajbmeb-2837	25	37	suffering	suffering	NOUN
ajbmeb-2837	25	38	losses	loss	NOUN
ajbmeb-2837	25	39	without	without	ADP
ajbmeb-2837	25	40	achieving	achieve	VERB
ajbmeb-2837	25	41	the	the	DET
ajbmeb-2837	25	42	intended	intend	VERB
ajbmeb-2837	25	43	result	result	NOUN
ajbmeb-2837	25	44	.	.	PUNCT
ajbmeb-2837	26	1	these	these	DET
ajbmeb-2837	26	2	definitions	definition	NOUN
ajbmeb-2837	26	3	are	be	AUX
ajbmeb-2837	26	4	to	to	ADP
ajbmeb-2837	26	5	some	some	DET
ajbmeb-2837	26	6	extent	extent	NOUN
ajbmeb-2837	26	7	related	relate	VERB
ajbmeb-2837	26	8	to	to	ADP
ajbmeb-2837	26	9	banking	banking	NOUN
ajbmeb-2837	26	10	risks	risk	NOUN
ajbmeb-2837	26	11	,	,	PUNCT
ajbmeb-2837	26	12	but	but	CCONJ
ajbmeb-2837	26	13	do	do	AUX
ajbmeb-2837	26	14	not	not	PART
ajbmeb-2837	26	15	describe	describe	VERB
ajbmeb-2837	26	16	their	their	PRON
ajbmeb-2837	26	17	nature	nature	NOUN
ajbmeb-2837	26	18	.	.	PUNCT
ajbmeb-2837	27	1	research	research	NOUN
ajbmeb-2837	27	2	methodology	methodology	NOUN
ajbmeb-2837	27	3	in	in	ADP
ajbmeb-2837	27	4	the	the	DET
ajbmeb-2837	27	5	article	article	NOUN
ajbmeb-2837	27	6	,	,	PUNCT
ajbmeb-2837	27	7	independent	independent	ADJ
ajbmeb-2837	27	8	approaches	approach	NOUN
ajbmeb-2837	27	9	were	be	AUX
ajbmeb-2837	27	10	formed	form	VERB
ajbmeb-2837	27	11	on	on	ADP
ajbmeb-2837	27	12	the	the	DET
ajbmeb-2837	27	13	basis	basis	NOUN
ajbmeb-2837	27	14	of	of	ADP
ajbmeb-2837	27	15	the	the	DET
ajbmeb-2837	27	16	scientific	scientific	ADJ
ajbmeb-2837	27	17	conclusions	conclusion	NOUN
ajbmeb-2837	27	18	of	of	ADP
ajbmeb-2837	27	19	the	the	DET
ajbmeb-2837	27	20	scientific	scientific	ADJ
ajbmeb-2837	27	21	research	research	NOUN
ajbmeb-2837	27	22	conducted	conduct	VERB
ajbmeb-2837	27	23	by	by	ADP
ajbmeb-2837	27	24	foreign	foreign	ADJ
ajbmeb-2837	27	25	and	and	CCONJ
ajbmeb-2837	27	26	domestic	domestic	ADJ
ajbmeb-2837	27	27	scientists	scientist	NOUN
ajbmeb-2837	27	28	and	and	CCONJ
ajbmeb-2837	27	29	the	the	DET
ajbmeb-2837	27	30	practical	practical	ADJ
ajbmeb-2837	27	31	experiences	experience	NOUN
ajbmeb-2837	27	32	of	of	ADP
ajbmeb-2837	27	33	the	the	DET
ajbmeb-2837	27	34	authors	author	NOUN
ajbmeb-2837	27	35	on	on	ADP
ajbmeb-2837	27	36	the	the	DET
ajbmeb-2837	27	37	research	research	NOUN
ajbmeb-2837	27	38	of	of	ADP
ajbmeb-2837	27	39	the	the	DET
ajbmeb-2837	27	40	monetary	monetary	ADJ
ajbmeb-2837	27	41	policy	policy	NOUN
ajbmeb-2837	27	42	of	of	ADP
ajbmeb-2837	27	43	diversification	diversification	NOUN
ajbmeb-2837	27	44	of	of	ADP
ajbmeb-2837	27	45	assets	asset	NOUN
ajbmeb-2837	27	46	,	,	PUNCT
ajbmeb-2837	27	47	which	which	PRON
ajbmeb-2837	27	48	are	be	AUX
ajbmeb-2837	27	49	considered	consider	VERB
ajbmeb-2837	27	50	important	important	ADJ
ajbmeb-2837	27	51	for	for	ADP
ajbmeb-2837	27	52	the	the	DET
ajbmeb-2837	27	53	identification	identification	NOUN
ajbmeb-2837	27	54	,	,	PUNCT
ajbmeb-2837	27	55	evaluation	evaluation	NOUN
ajbmeb-2837	27	56	,	,	PUNCT
ajbmeb-2837	27	57	management	management	NOUN
ajbmeb-2837	27	58	,	,	PUNCT
ajbmeb-2837	27	59	monitoring	monitoring	NOUN
ajbmeb-2837	27	60	and	and	CCONJ
ajbmeb-2837	27	61	control	control	NOUN
ajbmeb-2837	27	62	of	of	ADP
ajbmeb-2837	27	63	risk	risk	NOUN
ajbmeb-2837	27	64	appetite	appetite	NOUN
ajbmeb-2837	27	65	and	and	CCONJ
ajbmeb-2837	27	66	risk	risk	NOUN
ajbmeb-2837	27	67	profile	profile	NOUN
ajbmeb-2837	27	68	indicators	indicator	NOUN
ajbmeb-2837	27	69	in	in	ADP
ajbmeb-2837	27	70	commercial	commercial	ADJ
ajbmeb-2837	27	71	banks	bank	NOUN
ajbmeb-2837	27	72	.	.	PUNCT
ajbmeb-2837	28	1	tables	table	NOUN
ajbmeb-2837	28	2	,	,	PUNCT
ajbmeb-2837	28	3	analytical	analytical	ADJ
ajbmeb-2837	28	4	comparisons	comparison	NOUN
ajbmeb-2837	28	5	,	,	PUNCT
ajbmeb-2837	28	6	logical	logical	ADJ
ajbmeb-2837	28	7	analysis	analysis	NOUN
ajbmeb-2837	28	8	,	,	PUNCT
ajbmeb-2837	28	9	grouping	grouping	NOUN
ajbmeb-2837	28	10	and	and	CCONJ
ajbmeb-2837	28	11	other	other	ADJ
ajbmeb-2837	28	12	statistical	statistical	ADJ
ajbmeb-2837	28	13	data	datum	NOUN
ajbmeb-2837	28	14	are	be	AUX
ajbmeb-2837	28	15	widely	widely	ADV
ajbmeb-2837	28	16	used	use	VERB
ajbmeb-2837	28	17	.	.	PUNCT
ajbmeb-2837	29	1	analysis	analysis	NOUN
ajbmeb-2837	29	2	and	and	CCONJ
ajbmeb-2837	29	3	discussion	discussion	NOUN
ajbmeb-2837	29	4	of	of	ADP
ajbmeb-2837	29	5	results	result	NOUN
ajbmeb-2837	29	6	one	one	NUM
ajbmeb-2837	29	7	of	of	ADP
ajbmeb-2837	29	8	the	the	DET
ajbmeb-2837	29	9	forces	force	NOUN
ajbmeb-2837	29	10	that	that	PRON
ajbmeb-2837	29	11	make	make	VERB
ajbmeb-2837	29	12	the	the	DET
ajbmeb-2837	29	13	economy	economy	NOUN
ajbmeb-2837	29	14	healthy	healthy	ADJ
ajbmeb-2837	29	15	is	be	AUX
ajbmeb-2837	29	16	the	the	DET
ajbmeb-2837	29	17	efficient	efficient	ADJ
ajbmeb-2837	29	18	operation	operation	NOUN
ajbmeb-2837	29	19	of	of	ADP
ajbmeb-2837	29	20	banks	bank	NOUN
ajbmeb-2837	29	21	.	.	PUNCT
ajbmeb-2837	30	1	this	this	DET
ajbmeb-2837	30	2	level	level	NOUN
ajbmeb-2837	30	3	of	of	ADP
ajbmeb-2837	30	4	influence	influence	NOUN
ajbmeb-2837	30	5	is	be	AUX
ajbmeb-2837	30	6	manifested	manifest	VERB
ajbmeb-2837	30	7	in	in	ADP
ajbmeb-2837	30	8	the	the	DET
ajbmeb-2837	30	9	process	process	NOUN
ajbmeb-2837	30	10	of	of	ADP
ajbmeb-2837	30	11	applying	apply	VERB
ajbmeb-2837	30	12	monetary	monetary	ADJ
ajbmeb-2837	30	13	levers	lever	NOUN
ajbmeb-2837	30	14	in	in	ADP
ajbmeb-2837	30	15	the	the	DET
ajbmeb-2837	30	16	diversification	diversification	NOUN
ajbmeb-2837	30	17	of	of	ADP
ajbmeb-2837	30	18	bank	bank	NOUN
ajbmeb-2837	30	19	assets	asset	NOUN
ajbmeb-2837	30	20	in	in	ADP
ajbmeb-2837	30	21	the	the	DET
ajbmeb-2837	30	22	economy	economy	NOUN
ajbmeb-2837	30	23	.	.	PUNCT
ajbmeb-2837	31	1	monetary	monetary	ADJ
ajbmeb-2837	31	2	levers	lever	NOUN
ajbmeb-2837	31	3	in	in	ADP
ajbmeb-2837	31	4	commercial	commercial	ADJ
ajbmeb-2837	31	5	bank	bank	NOUN
ajbmeb-2837	31	6	assets	asset	NOUN
ajbmeb-2837	31	7	are	be	AUX
ajbmeb-2837	31	8	a	a	DET
ajbmeb-2837	31	9	set	set	NOUN
ajbmeb-2837	31	10	of	of	ADP
ajbmeb-2837	31	11	measures	measure	NOUN
ajbmeb-2837	31	12	to	to	PART
ajbmeb-2837	31	13	effectively	effectively	ADV
ajbmeb-2837	31	14	manage	manage	VERB
ajbmeb-2837	31	15	credit	credit	NOUN
ajbmeb-2837	31	16	resources	resource	NOUN
ajbmeb-2837	31	17	of	of	ADP
ajbmeb-2837	31	18	banks	bank	NOUN
ajbmeb-2837	31	19	through	through	ADP
ajbmeb-2837	31	20	monetary	monetary	ADJ
ajbmeb-2837	31	21	levers	lever	NOUN
ajbmeb-2837	31	22	through	through	ADP
ajbmeb-2837	31	23	the	the	DET
ajbmeb-2837	31	24	analysis	analysis	NOUN
ajbmeb-2837	31	25	of	of	ADP
ajbmeb-2837	31	26	the	the	DET
ajbmeb-2837	31	27	demand	demand	NOUN
ajbmeb-2837	31	28	for	for	ADP
ajbmeb-2837	31	29	financial	financial	ADJ
ajbmeb-2837	31	30	funds	fund	NOUN
ajbmeb-2837	31	31	in	in	ADP
ajbmeb-2837	31	32	the	the	DET
ajbmeb-2837	31	33	economy	economy	NOUN
ajbmeb-2837	31	34	.	.	PUNCT
ajbmeb-2837	32	1	through	through	ADP
ajbmeb-2837	32	2	the	the	DET
ajbmeb-2837	32	3	monetary	monetary	ADJ
ajbmeb-2837	32	4	policy	policy	NOUN
ajbmeb-2837	32	5	of	of	ADP
ajbmeb-2837	32	6	the	the	DET
ajbmeb-2837	32	7	central	central	ADJ
ajbmeb-2837	32	8	bank	bank	NOUN
ajbmeb-2837	32	9	,	,	PUNCT
ajbmeb-2837	32	10	commercial	commercial	ADJ
ajbmeb-2837	32	11	banks	bank	NOUN
ajbmeb-2837	32	12	regulate	regulate	VERB
ajbmeb-2837	32	13	the	the	DET
ajbmeb-2837	32	14	volume	volume	NOUN
ajbmeb-2837	32	15	of	of	ADP
ajbmeb-2837	32	16	asset	asset	NOUN
ajbmeb-2837	32	17	transactions	transaction	NOUN
ajbmeb-2837	32	18	.	.	PUNCT
ajbmeb-2837	33	1	in	in	ADP
ajbmeb-2837	33	2	the	the	DET
ajbmeb-2837	33	3	implementation	implementation	NOUN
ajbmeb-2837	33	4	of	of	ADP
ajbmeb-2837	33	5	monetary	monetary	ADJ
ajbmeb-2837	33	6	policy	policy	NOUN
ajbmeb-2837	33	7	by	by	ADP
ajbmeb-2837	33	8	the	the	DET
ajbmeb-2837	33	9	central	central	PROPN
ajbmeb-2837	33	10	bank	bank	NOUN
ajbmeb-2837	33	11	,	,	PUNCT
ajbmeb-2837	33	12	the	the	DET
ajbmeb-2837	33	13	use	use	NOUN
ajbmeb-2837	33	14	of	of	ADP
ajbmeb-2837	33	15	its	its	PRON
ajbmeb-2837	33	16	traditional	traditional	ADJ
ajbmeb-2837	33	17	instruments	instrument	NOUN
ajbmeb-2837	33	18	of	of	ADP
ajbmeb-2837	33	19	refinancing	refinance	VERB
ajbmeb-2837	33	20	policy	policy	NOUN
ajbmeb-2837	33	21	,	,	PUNCT
ajbmeb-2837	33	22	mandatory	mandatory	ADJ
ajbmeb-2837	33	23	reserve	reserve	NOUN
ajbmeb-2837	33	24	ratio	ratio	NOUN
ajbmeb-2837	33	25	,	,	PUNCT
ajbmeb-2837	33	26	open	open	ADJ
ajbmeb-2837	33	27	market	market	NOUN
ajbmeb-2837	33	28	policy	policy	NOUN
ajbmeb-2837	33	29	,	,	PUNCT
ajbmeb-2837	33	30	foreign	foreign	ADJ
ajbmeb-2837	33	31	exchange	exchange	NOUN
ajbmeb-2837	33	32	policy	policy	NOUN
ajbmeb-2837	33	33	and	and	CCONJ
ajbmeb-2837	33	34	deposit	deposit	NOUN
ajbmeb-2837	33	35	policy	policy	NOUN
ajbmeb-2837	33	36	are	be	AUX
ajbmeb-2837	33	37	of	of	ADP
ajbmeb-2837	33	38	great	great	ADJ
ajbmeb-2837	33	39	importance	importance	NOUN
ajbmeb-2837	33	40	.	.	PUNCT
ajbmeb-2837	34	1	when	when	SCONJ
ajbmeb-2837	34	2	diversifying	diversify	VERB
ajbmeb-2837	34	3	bank	bank	NOUN
ajbmeb-2837	34	4	assets	asset	NOUN
ajbmeb-2837	34	5	,	,	PUNCT
ajbmeb-2837	34	6	monetary	monetary	ADJ
ajbmeb-2837	34	7	levers	lever	NOUN
ajbmeb-2837	34	8	can	can	AUX
ajbmeb-2837	34	9	be	be	AUX
ajbmeb-2837	34	10	noted	note	VERB
ajbmeb-2837	34	11	as	as	ADP
ajbmeb-2837	34	12	internal	internal	ADJ
ajbmeb-2837	34	13	and	and	CCONJ
ajbmeb-2837	34	14	external	external	ADJ
ajbmeb-2837	34	15	.	.	PUNCT
ajbmeb-2837	35	1	internal	internal	ADJ
ajbmeb-2837	35	2	levers	lever	NOUN
ajbmeb-2837	35	3	include	include	VERB
ajbmeb-2837	35	4	lending	lending	NOUN
ajbmeb-2837	35	5	policy	policy	NOUN
ajbmeb-2837	35	6	,	,	PUNCT
ajbmeb-2837	35	7	special	special	ADJ
ajbmeb-2837	35	8	lending	lending	NOUN
ajbmeb-2837	35	9	standards	standard	NOUN
ajbmeb-2837	35	10	,	,	PUNCT
ajbmeb-2837	35	11	setting	set	VERB
ajbmeb-2837	35	12	lending	lending	NOUN
ajbmeb-2837	35	13	powers	power	NOUN
ajbmeb-2837	35	14	,	,	PUNCT
ajbmeb-2837	35	15	credit	credit	NOUN
ajbmeb-2837	35	16	limits	limit	NOUN
ajbmeb-2837	35	17	,	,	PUNCT
ajbmeb-2837	35	18	external	external	ADJ
ajbmeb-2837	35	19	levers	lever	NOUN
ajbmeb-2837	35	20	include	include	VERB
ajbmeb-2837	35	21	refinancing	refinance	VERB
ajbmeb-2837	35	22	rate	rate	NOUN
ajbmeb-2837	35	23	,	,	PUNCT
ajbmeb-2837	35	24	interest	interest	NOUN
ajbmeb-2837	35	25	policy	policy	NOUN
ajbmeb-2837	35	26	,	,	PUNCT
ajbmeb-2837	35	27	control	control	NOUN
ajbmeb-2837	35	28	of	of	ADP
ajbmeb-2837	35	29	economic	economic	ADJ
ajbmeb-2837	35	30	norms	norm	NOUN
ajbmeb-2837	35	31	.	.	PUNCT
ajbmeb-2837	36	1	in	in	ADP
ajbmeb-2837	36	2	the	the	DET
ajbmeb-2837	36	3	monetary	monetary	ADJ
ajbmeb-2837	36	4	policy	policy	NOUN
ajbmeb-2837	36	5	,	,	PUNCT
ajbmeb-2837	36	6	changes	change	NOUN
ajbmeb-2837	36	7	in	in	ADP
ajbmeb-2837	36	8	the	the	DET
ajbmeb-2837	36	9	interest	interest	NOUN
ajbmeb-2837	36	10	rate	rate	NOUN
ajbmeb-2837	36	11	affect	affect	VERB
ajbmeb-2837	36	12	the	the	DET
ajbmeb-2837	36	13	level	level	NOUN
ajbmeb-2837	36	14	of	of	ADP
ajbmeb-2837	36	15	general	general	ADJ
ajbmeb-2837	36	16	interest	interest	NOUN
ajbmeb-2837	36	17	rates	rate	NOUN
ajbmeb-2837	36	18	in	in	ADP
ajbmeb-2837	36	19	the	the	DET
ajbmeb-2837	36	20	economy	economy	NOUN
ajbmeb-2837	36	21	,	,	PUNCT
ajbmeb-2837	36	22	which	which	PRON
ajbmeb-2837	36	23	leads	lead	VERB
ajbmeb-2837	36	24	to	to	ADP
ajbmeb-2837	36	25	changes	change	NOUN
ajbmeb-2837	36	26	in	in	ADP
ajbmeb-2837	36	27	aggregate	aggregate	ADJ
ajbmeb-2837	36	28	demand	demand	NOUN
ajbmeb-2837	36	29	in	in	ADP
ajbmeb-2837	36	30	the	the	DET
ajbmeb-2837	36	31	economy	economy	NOUN
ajbmeb-2837	36	32	through	through	ADP
ajbmeb-2837	36	33	investment	investment	NOUN
ajbmeb-2837	36	34	attractiveness	attractiveness	NOUN
ajbmeb-2837	36	35	.	.	PUNCT
ajbmeb-2837	37	1	changes	change	NOUN
ajbmeb-2837	37	2	in	in	ADP
ajbmeb-2837	37	3	aggregate	aggregate	ADJ
ajbmeb-2837	37	4	demand	demand	NOUN
ajbmeb-2837	37	5	,	,	PUNCT
ajbmeb-2837	37	6	in	in	ADP
ajbmeb-2837	37	7	turn	turn	NOUN
ajbmeb-2837	37	8	,	,	PUNCT
ajbmeb-2837	37	9	affect	affect	VERB
ajbmeb-2837	37	10	the	the	DET
ajbmeb-2837	37	11	level	level	NOUN
ajbmeb-2837	37	12	of	of	ADP
ajbmeb-2837	37	13	inflation	inflation	NOUN
ajbmeb-2837	37	14	.	.	PUNCT
ajbmeb-2837	38	1	although	although	SCONJ
ajbmeb-2837	38	2	there	there	PRON
ajbmeb-2837	38	3	is	be	VERB
ajbmeb-2837	38	4	no	no	DET
ajbmeb-2837	38	5	direct	direct	ADJ
ajbmeb-2837	38	6	relationship	relationship	NOUN
ajbmeb-2837	38	7	between	between	ADP
ajbmeb-2837	38	8	the	the	DET
ajbmeb-2837	38	9	interest	interest	NOUN
ajbmeb-2837	38	10	rate	rate	NOUN
ajbmeb-2837	38	11	and	and	CCONJ
ajbmeb-2837	38	12	aggregate	aggregate	ADJ
ajbmeb-2837	38	13	demand	demand	NOUN
ajbmeb-2837	38	14	,	,	PUNCT
ajbmeb-2837	38	15	the	the	DET
ajbmeb-2837	38	16	effect	effect	NOUN
ajbmeb-2837	38	17	of	of	ADP
ajbmeb-2837	38	18	changes	change	NOUN
ajbmeb-2837	38	19	in	in	ADP
ajbmeb-2837	38	20	the	the	DET
ajbmeb-2837	38	21	interest	interest	NOUN
ajbmeb-2837	38	22	american	american	PROPN
ajbmeb-2837	38	23	journal	journal	PROPN
ajbmeb-2837	38	24	of	of	ADP
ajbmeb-2837	38	25	business	business	NOUN
ajbmeb-2837	38	26	management	management	NOUN
ajbmeb-2837	38	27	,	,	PUNCT
ajbmeb-2837	38	28	economics	economic	NOUN
ajbmeb-2837	38	29	and	and	CCONJ
ajbmeb-2837	38	30	banking	banking	NOUN
ajbmeb-2837	38	31	volume	volume	NOUN
ajbmeb-2837	38	32	35	35	NUM
ajbmeb-2837	38	33	april	april	PROPN
ajbmeb-2837	38	34	2025	2025	NUM
ajbmeb-2837	38	35	p	p	NOUN
ajbmeb-2837	38	36	a	a	DET
ajbmeb-2837	38	37	g	g	NOUN
ajbmeb-2837	38	38	e	e	NOUN
ajbmeb-2837	38	39	|	|	ADV
ajbmeb-2837	38	40	9	9	NUM
ajbmeb-2837	38	41	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2837	38	42	rate	rate	NOUN
ajbmeb-2837	38	43	is	be	AUX
ajbmeb-2837	38	44	also	also	ADV
ajbmeb-2837	38	45	realized	realize	VERB
ajbmeb-2837	38	46	through	through	ADP
ajbmeb-2837	38	47	other	other	ADJ
ajbmeb-2837	38	48	channels	channel	NOUN
ajbmeb-2837	38	49	.	.	PUNCT
ajbmeb-2837	39	1	analyses	analysis	NOUN
ajbmeb-2837	39	2	of	of	ADP
ajbmeb-2837	39	3	the	the	DET
ajbmeb-2837	39	4	impact	impact	NOUN
ajbmeb-2837	39	5	of	of	ADP
ajbmeb-2837	39	6	the	the	DET
ajbmeb-2837	39	7	refinancing	refinance	VERB
ajbmeb-2837	39	8	rate	rate	NOUN
ajbmeb-2837	39	9	of	of	ADP
ajbmeb-2837	39	10	the	the	DET
ajbmeb-2837	39	11	central	central	ADJ
ajbmeb-2837	39	12	bank	bank	NOUN
ajbmeb-2837	39	13	of	of	ADP
ajbmeb-2837	39	14	the	the	DET
ajbmeb-2837	39	15	republic	republic	NOUN
ajbmeb-2837	39	16	of	of	ADP
ajbmeb-2837	39	17	uzbekistan	uzbekistan	PROPN
ajbmeb-2837	39	18	on	on	ADP
ajbmeb-2837	39	19	interest	interest	NOUN
ajbmeb-2837	39	20	rates	rate	NOUN
ajbmeb-2837	39	21	in	in	ADP
ajbmeb-2837	39	22	the	the	DET
ajbmeb-2837	39	23	economy	economy	NOUN
ajbmeb-2837	39	24	show	show	VERB
ajbmeb-2837	39	25	that	that	SCONJ
ajbmeb-2837	39	26	there	there	PRON
ajbmeb-2837	39	27	is	be	VERB
ajbmeb-2837	39	28	a	a	DET
ajbmeb-2837	39	29	stable	stable	ADJ
ajbmeb-2837	39	30	relationship	relationship	NOUN
ajbmeb-2837	39	31	between	between	ADP
ajbmeb-2837	39	32	them	they	PRON
ajbmeb-2837	39	33	.	.	PUNCT
ajbmeb-2837	40	1	therefore	therefore	ADV
ajbmeb-2837	40	2	,	,	PUNCT
ajbmeb-2837	40	3	many	many	ADJ
ajbmeb-2837	40	4	central	central	ADJ
ajbmeb-2837	40	5	banks	bank	NOUN
ajbmeb-2837	40	6	choose	choose	VERB
ajbmeb-2837	40	7	the	the	DET
ajbmeb-2837	40	8	interest	interest	NOUN
ajbmeb-2837	40	9	rate	rate	NOUN
ajbmeb-2837	40	10	as	as	ADP
ajbmeb-2837	40	11	an	an	DET
ajbmeb-2837	40	12	effective	effective	ADJ
ajbmeb-2837	40	13	tool	tool	NOUN
ajbmeb-2837	40	14	for	for	ADP
ajbmeb-2837	40	15	transferring	transfer	VERB
ajbmeb-2837	40	16	monetary	monetary	ADJ
ajbmeb-2837	40	17	policy	policy	NOUN
ajbmeb-2837	40	18	to	to	ADP
ajbmeb-2837	40	19	the	the	DET
ajbmeb-2837	40	20	real	real	ADJ
ajbmeb-2837	40	21	sector	sector	NOUN
ajbmeb-2837	40	22	.	.	PUNCT
ajbmeb-2837	41	1	currently	currently	ADV
ajbmeb-2837	41	2	,	,	PUNCT
ajbmeb-2837	41	3	most	most	ADJ
ajbmeb-2837	41	4	central	central	ADJ
ajbmeb-2837	41	5	banks	bank	NOUN
ajbmeb-2837	41	6	operate	operate	VERB
ajbmeb-2837	41	7	an	an	DET
ajbmeb-2837	41	8	interest	interest	NOUN
ajbmeb-2837	41	9	rate	rate	NOUN
ajbmeb-2837	41	10	corridor	corridor	PROPN
ajbmeb-2837	41	11	(	(	PUNCT
ajbmeb-2837	41	12	irc	irc	NOUN
ajbmeb-2837	41	13	)	)	PUNCT
ajbmeb-2837	41	14	.	.	PUNCT
ajbmeb-2837	42	1	the	the	DET
ajbmeb-2837	42	2	essence	essence	NOUN
ajbmeb-2837	42	3	of	of	ADP
ajbmeb-2837	42	4	banking	banking	NOUN
ajbmeb-2837	42	5	supervision	supervision	NOUN
ajbmeb-2837	42	6	is	be	AUX
ajbmeb-2837	42	7	ensuring	ensure	VERB
ajbmeb-2837	42	8	that	that	SCONJ
ajbmeb-2837	42	9	banks	bank	NOUN
ajbmeb-2837	42	10	have	have	VERB
ajbmeb-2837	42	11	sufficient	sufficient	ADJ
ajbmeb-2837	42	12	capital	capital	NOUN
ajbmeb-2837	42	13	,	,	PUNCT
ajbmeb-2837	42	14	complying	comply	VERB
ajbmeb-2837	42	15	with	with	ADP
ajbmeb-2837	42	16	the	the	DET
ajbmeb-2837	42	17	economic	economic	ADJ
ajbmeb-2837	42	18	regulatory	regulatory	ADJ
ajbmeb-2837	42	19	norms	norm	NOUN
ajbmeb-2837	42	20	established	establish	VERB
ajbmeb-2837	42	21	by	by	ADP
ajbmeb-2837	42	22	the	the	DET
ajbmeb-2837	42	23	central	central	ADJ
ajbmeb-2837	42	24	bank	bank	NOUN
ajbmeb-2837	42	25	,	,	PUNCT
ajbmeb-2837	42	26	increasing	increase	VERB
ajbmeb-2837	42	27	the	the	DET
ajbmeb-2837	42	28	volume	volume	NOUN
ajbmeb-2837	42	29	of	of	ADP
ajbmeb-2837	42	30	credit	credit	NOUN
ajbmeb-2837	42	31	funds	fund	NOUN
ajbmeb-2837	42	32	directed	direct	VERB
ajbmeb-2837	42	33	to	to	ADP
ajbmeb-2837	42	34	the	the	DET
ajbmeb-2837	42	35	economy	economy	NOUN
ajbmeb-2837	42	36	and	and	CCONJ
ajbmeb-2837	42	37	rational	rational	ADJ
ajbmeb-2837	42	38	diversification	diversification	NOUN
ajbmeb-2837	42	39	of	of	ADP
ajbmeb-2837	42	40	risk	risk	NOUN
ajbmeb-2837	42	41	,	,	PUNCT
ajbmeb-2837	42	42	monitoring	monitor	VERB
ajbmeb-2837	42	43	the	the	DET
ajbmeb-2837	42	44	procedures	procedure	NOUN
ajbmeb-2837	42	45	for	for	ADP
ajbmeb-2837	42	46	granting	grant	VERB
ajbmeb-2837	42	47	loans	loan	NOUN
ajbmeb-2837	42	48	,	,	PUNCT
ajbmeb-2837	42	49	the	the	DET
ajbmeb-2837	42	50	state	state	NOUN
ajbmeb-2837	42	51	of	of	ADP
ajbmeb-2837	42	52	the	the	DET
ajbmeb-2837	42	53	loan	loan	NOUN
ajbmeb-2837	42	54	portfolio	portfolio	NOUN
ajbmeb-2837	42	55	based	base	VERB
ajbmeb-2837	42	56	on	on	ADP
ajbmeb-2837	42	57	the	the	DET
ajbmeb-2837	42	58	protection	protection	NOUN
ajbmeb-2837	42	59	of	of	ADP
ajbmeb-2837	42	60	interested	interested	ADJ
ajbmeb-2837	42	61	entities	entity	NOUN
ajbmeb-2837	42	62	.	.	PUNCT
ajbmeb-2837	43	1	in	in	ADP
ajbmeb-2837	43	2	this	this	DET
ajbmeb-2837	43	3	case	case	NOUN
ajbmeb-2837	43	4	,	,	PUNCT
ajbmeb-2837	43	5	the	the	DET
ajbmeb-2837	43	6	main	main	ADJ
ajbmeb-2837	43	7	task	task	NOUN
ajbmeb-2837	43	8	of	of	ADP
ajbmeb-2837	43	9	commercial	commercial	ADJ
ajbmeb-2837	43	10	banks	bank	NOUN
ajbmeb-2837	43	11	is	be	AUX
ajbmeb-2837	43	12	to	to	PART
ajbmeb-2837	43	13	comply	comply	VERB
ajbmeb-2837	43	14	with	with	ADP
ajbmeb-2837	43	15	the	the	DET
ajbmeb-2837	43	16	adopted	adopt	VERB
ajbmeb-2837	43	17	and	and	CCONJ
ajbmeb-2837	43	18	economic	economic	ADJ
ajbmeb-2837	43	19	norms	norm	NOUN
ajbmeb-2837	43	20	,	,	PUNCT
ajbmeb-2837	43	21	maintain	maintain	VERB
ajbmeb-2837	43	22	sufficient	sufficient	ADJ
ajbmeb-2837	43	23	capital	capital	NOUN
ajbmeb-2837	43	24	and	and	CCONJ
ajbmeb-2837	43	25	liquid	liquid	ADJ
ajbmeb-2837	43	26	funds	fund	NOUN
ajbmeb-2837	43	27	,	,	PUNCT
ajbmeb-2837	43	28	create	create	VERB
ajbmeb-2837	43	29	reserves	reserve	NOUN
ajbmeb-2837	43	30	for	for	ADP
ajbmeb-2837	43	31	doubtful	doubtful	ADJ
ajbmeb-2837	43	32	and	and	CCONJ
ajbmeb-2837	43	33	loss	loss	NOUN
ajbmeb-2837	43	34	-	-	PUNCT
ajbmeb-2837	43	35	prone	prone	ADJ
ajbmeb-2837	43	36	assets	asset	NOUN
ajbmeb-2837	43	37	,	,	PUNCT
ajbmeb-2837	43	38	as	as	ADV
ajbmeb-2837	43	39	well	well	ADV
ajbmeb-2837	43	40	as	as	ADP
ajbmeb-2837	43	41	diversify	diversify	ADJ
ajbmeb-2837	43	42	assets	asset	NOUN
ajbmeb-2837	43	43	in	in	ADP
ajbmeb-2837	43	44	order	order	NOUN
ajbmeb-2837	43	45	to	to	PART
ajbmeb-2837	43	46	reduce	reduce	VERB
ajbmeb-2837	43	47	risk	risk	NOUN
ajbmeb-2837	43	48	.	.	PUNCT
ajbmeb-2837	44	1	the	the	DET
ajbmeb-2837	44	2	economic	economic	ADJ
ajbmeb-2837	44	3	regulation	regulation	NOUN
ajbmeb-2837	44	4	standards	standard	NOUN
ajbmeb-2837	44	5	include	include	VERB
ajbmeb-2837	44	6	:	:	PUNCT
ajbmeb-2837	44	7	establishing	establish	VERB
ajbmeb-2837	44	8	the	the	DET
ajbmeb-2837	44	9	minimum	minimum	NOUN
ajbmeb-2837	44	10	amount	amount	NOUN
ajbmeb-2837	44	11	of	of	ADP
ajbmeb-2837	44	12	regulatory	regulatory	ADJ
ajbmeb-2837	44	13	capital	capital	NOUN
ajbmeb-2837	44	14	for	for	ADP
ajbmeb-2837	44	15	operating	operate	VERB
ajbmeb-2837	44	16	banks	bank	NOUN
ajbmeb-2837	44	17	;	;	PUNCT
ajbmeb-2837	44	18	capital	capital	NOUN
ajbmeb-2837	44	19	adequacy	adequacy	NOUN
ajbmeb-2837	44	20	ratio	ratio	NOUN
ajbmeb-2837	44	21	;	;	PUNCT
ajbmeb-2837	44	22	the	the	DET
ajbmeb-2837	44	23	ratio	ratio	NOUN
ajbmeb-2837	44	24	between	between	ADP
ajbmeb-2837	44	25	the	the	DET
ajbmeb-2837	44	26	bank	bank	NOUN
ajbmeb-2837	44	27	’s	’s	PART
ajbmeb-2837	44	28	capital	capital	NOUN
ajbmeb-2837	44	29	and	and	CCONJ
ajbmeb-2837	44	30	its	its	PRON
ajbmeb-2837	44	31	liabilities	liability	NOUN
ajbmeb-2837	44	32	;	;	PUNCT
ajbmeb-2837	44	33	the	the	DET
ajbmeb-2837	44	34	liquidity	liquidity	NOUN
ajbmeb-2837	44	35	ratio	ratio	NOUN
ajbmeb-2837	44	36	of	of	ADP
ajbmeb-2837	44	37	the	the	DET
ajbmeb-2837	44	38	bank	bank	NOUN
ajbmeb-2837	44	39	’s	’s	PART
ajbmeb-2837	44	40	balance	balance	NOUN
ajbmeb-2837	44	41	sheet	sheet	NOUN
ajbmeb-2837	44	42	;	;	PUNCT
ajbmeb-2837	44	43	the	the	DET
ajbmeb-2837	44	44	maximum	maximum	ADJ
ajbmeb-2837	44	45	risk	risk	NOUN
ajbmeb-2837	44	46	per	per	ADP
ajbmeb-2837	44	47	borrower	borrower	NOUN
ajbmeb-2837	44	48	;	;	PUNCT
ajbmeb-2837	44	49	the	the	DET
ajbmeb-2837	44	50	highest	high	ADJ
ajbmeb-2837	44	51	degree	degree	NOUN
ajbmeb-2837	44	52	of	of	ADP
ajbmeb-2837	44	53	risk	risk	NOUN
ajbmeb-2837	44	54	associated	associate	VERB
ajbmeb-2837	44	55	with	with	ADP
ajbmeb-2837	44	56	all	all	DET
ajbmeb-2837	44	57	“	"	PUNCT
ajbmeb-2837	44	58	large	large	ADJ
ajbmeb-2837	44	59	”	"	PUNCT
ajbmeb-2837	44	60	loans	loan	NOUN
ajbmeb-2837	44	61	;	;	PUNCT
ajbmeb-2837	44	62	the	the	DET
ajbmeb-2837	44	63	maximum	maximum	ADJ
ajbmeb-2837	44	64	risk	risk	NOUN
ajbmeb-2837	44	65	per	per	ADP
ajbmeb-2837	44	66	depositor	depositor	NOUN
ajbmeb-2837	44	67	;	;	PUNCT
ajbmeb-2837	44	68	the	the	DET
ajbmeb-2837	44	69	indicator	indicator	NOUN
ajbmeb-2837	44	70	of	of	ADP
ajbmeb-2837	44	71	the	the	DET
ajbmeb-2837	44	72	use	use	NOUN
ajbmeb-2837	44	73	of	of	ADP
ajbmeb-2837	44	74	own	own	ADJ
ajbmeb-2837	44	75	funds	fund	NOUN
ajbmeb-2837	44	76	in	in	ADP
ajbmeb-2837	44	77	transactions	transaction	NOUN
ajbmeb-2837	44	78	with	with	ADP
ajbmeb-2837	44	79	securities	security	NOUN
ajbmeb-2837	44	80	;	;	PUNCT
ajbmeb-2837	44	81	consists	consist	VERB
ajbmeb-2837	44	82	of	of	ADP
ajbmeb-2837	44	83	conducting	conduct	VERB
ajbmeb-2837	44	84	banking	banking	NOUN
ajbmeb-2837	44	85	operations	operation	NOUN
ajbmeb-2837	44	86	with	with	ADP
ajbmeb-2837	44	87	relevant	relevant	ADJ
ajbmeb-2837	44	88	persons	person	NOUN
ajbmeb-2837	44	89	.	.	PUNCT
ajbmeb-2837	45	1	the	the	DET
ajbmeb-2837	45	2	refinancing	refinance	VERB
ajbmeb-2837	45	3	rate	rate	NOUN
ajbmeb-2837	45	4	,	,	PUNCT
ajbmeb-2837	45	5	as	as	ADP
ajbmeb-2837	45	6	a	a	DET
ajbmeb-2837	45	7	key	key	ADJ
ajbmeb-2837	45	8	indicator	indicator	NOUN
ajbmeb-2837	45	9	in	in	ADP
ajbmeb-2837	45	10	the	the	DET
ajbmeb-2837	45	11	money	money	NOUN
ajbmeb-2837	45	12	market	market	NOUN
ajbmeb-2837	45	13	,	,	PUNCT
ajbmeb-2837	45	14	is	be	AUX
ajbmeb-2837	45	15	one	one	NUM
ajbmeb-2837	45	16	of	of	ADP
ajbmeb-2837	45	17	the	the	DET
ajbmeb-2837	45	18	important	important	ADJ
ajbmeb-2837	45	19	factors	factor	NOUN
ajbmeb-2837	45	20	affecting	affect	VERB
ajbmeb-2837	45	21	the	the	DET
ajbmeb-2837	45	22	interest	interest	NOUN
ajbmeb-2837	45	23	rate	rate	NOUN
ajbmeb-2837	45	24	on	on	ADP
ajbmeb-2837	45	25	credit	credit	NOUN
ajbmeb-2837	45	26	funds	fund	NOUN
ajbmeb-2837	45	27	in	in	ADP
ajbmeb-2837	45	28	the	the	DET
ajbmeb-2837	45	29	economy	economy	NOUN
ajbmeb-2837	45	30	.	.	PUNCT
ajbmeb-2837	46	1	the	the	DET
ajbmeb-2837	46	2	refinancing	refinance	VERB
ajbmeb-2837	46	3	rate	rate	NOUN
ajbmeb-2837	46	4	is	be	AUX
ajbmeb-2837	46	5	widely	widely	ADV
ajbmeb-2837	46	6	used	use	VERB
ajbmeb-2837	46	7	to	to	PART
ajbmeb-2837	46	8	manage	manage	VERB
ajbmeb-2837	46	9	interest	interest	NOUN
ajbmeb-2837	46	10	rates	rate	NOUN
ajbmeb-2837	46	11	in	in	ADP
ajbmeb-2837	46	12	the	the	DET
ajbmeb-2837	46	13	money	money	NOUN
ajbmeb-2837	46	14	market	market	NOUN
ajbmeb-2837	46	15	and	and	CCONJ
ajbmeb-2837	46	16	stimulate	stimulate	VERB
ajbmeb-2837	46	17	economic	economic	ADJ
ajbmeb-2837	46	18	growth	growth	NOUN
ajbmeb-2837	46	19	processes	process	NOUN
ajbmeb-2837	46	20	.	.	PUNCT
ajbmeb-2837	47	1	international	international	ADJ
ajbmeb-2837	47	2	experience	experience	NOUN
ajbmeb-2837	47	3	shows	show	VERB
ajbmeb-2837	47	4	that	that	SCONJ
ajbmeb-2837	47	5	in	in	ADP
ajbmeb-2837	47	6	the	the	DET
ajbmeb-2837	47	7	practice	practice	NOUN
ajbmeb-2837	47	8	of	of	ADP
ajbmeb-2837	47	9	developed	develop	VERB
ajbmeb-2837	47	10	and	and	CCONJ
ajbmeb-2837	47	11	a	a	DET
ajbmeb-2837	47	12	number	number	NOUN
ajbmeb-2837	47	13	of	of	ADP
ajbmeb-2837	47	14	developing	develop	VERB
ajbmeb-2837	47	15	countries	country	NOUN
ajbmeb-2837	47	16	,	,	PUNCT
ajbmeb-2837	47	17	the	the	DET
ajbmeb-2837	47	18	refinancing	refinance	VERB
ajbmeb-2837	47	19	rate	rate	NOUN
ajbmeb-2837	47	20	is	be	AUX
ajbmeb-2837	47	21	actively	actively	ADV
ajbmeb-2837	47	22	used	use	VERB
ajbmeb-2837	47	23	as	as	ADP
ajbmeb-2837	47	24	an	an	DET
ajbmeb-2837	47	25	important	important	ADJ
ajbmeb-2837	47	26	regulatory	regulatory	ADJ
ajbmeb-2837	47	27	tool	tool	NOUN
ajbmeb-2837	47	28	to	to	PART
ajbmeb-2837	47	29	strengthen	strengthen	VERB
ajbmeb-2837	47	30	the	the	DET
ajbmeb-2837	47	31	investment	investment	NOUN
ajbmeb-2837	47	32	potential	potential	NOUN
ajbmeb-2837	47	33	of	of	ADP
ajbmeb-2837	47	34	the	the	DET
ajbmeb-2837	47	35	national	national	ADJ
ajbmeb-2837	47	36	economy	economy	NOUN
ajbmeb-2837	47	37	in	in	ADP
ajbmeb-2837	47	38	order	order	NOUN
ajbmeb-2837	47	39	to	to	PART
ajbmeb-2837	47	40	alleviate	alleviate	VERB
ajbmeb-2837	47	41	the	the	DET
ajbmeb-2837	47	42	negative	negative	ADJ
ajbmeb-2837	47	43	effects	effect	NOUN
ajbmeb-2837	47	44	of	of	ADP
ajbmeb-2837	47	45	the	the	DET
ajbmeb-2837	47	46	financial	financial	ADJ
ajbmeb-2837	47	47	and	and	CCONJ
ajbmeb-2837	47	48	economic	economic	ADJ
ajbmeb-2837	47	49	crisis	crisis	NOUN
ajbmeb-2837	47	50	observed	observe	VERB
ajbmeb-2837	47	51	in	in	ADP
ajbmeb-2837	47	52	recent	recent	ADJ
ajbmeb-2837	47	53	years	year	NOUN
ajbmeb-2837	47	54	.	.	PUNCT
ajbmeb-2837	48	1	further	far	ADV
ajbmeb-2837	48	2	increasing	increase	VERB
ajbmeb-2837	48	3	the	the	DET
ajbmeb-2837	48	4	level	level	NOUN
ajbmeb-2837	48	5	of	of	ADP
ajbmeb-2837	48	6	capitalization	capitalization	NOUN
ajbmeb-2837	48	7	of	of	ADP
ajbmeb-2837	48	8	banks	bank	NOUN
ajbmeb-2837	48	9	within	within	ADP
ajbmeb-2837	48	10	the	the	DET
ajbmeb-2837	48	11	framework	framework	NOUN
ajbmeb-2837	48	12	of	of	ADP
ajbmeb-2837	48	13	the	the	DET
ajbmeb-2837	48	14	tasks	task	NOUN
ajbmeb-2837	48	15	set	set	VERB
ajbmeb-2837	48	16	by	by	ADP
ajbmeb-2837	48	17	the	the	DET
ajbmeb-2837	48	18	president	president	NOUN
ajbmeb-2837	48	19	and	and	CCONJ
ajbmeb-2837	48	20	our	our	PRON
ajbmeb-2837	48	21	government	government	NOUN
ajbmeb-2837	48	22	to	to	PART
ajbmeb-2837	48	23	further	far	ADV
ajbmeb-2837	48	24	reform	reform	VERB
ajbmeb-2837	48	25	the	the	DET
ajbmeb-2837	48	26	banking	banking	NOUN
ajbmeb-2837	48	27	system	system	NOUN
ajbmeb-2837	48	28	,	,	PUNCT
ajbmeb-2837	48	29	ensure	ensure	VERB
ajbmeb-2837	48	30	its	its	PRON
ajbmeb-2837	48	31	stability	stability	NOUN
ajbmeb-2837	48	32	,	,	PUNCT
ajbmeb-2837	48	33	and	and	CCONJ
ajbmeb-2837	48	34	strengthen	strengthen	VERB
ajbmeb-2837	48	35	their	their	PRON
ajbmeb-2837	48	36	investment	investment	NOUN
ajbmeb-2837	48	37	activities	activity	NOUN
ajbmeb-2837	48	38	creates	create	VERB
ajbmeb-2837	48	39	a	a	DET
ajbmeb-2837	48	40	financial	financial	ADJ
ajbmeb-2837	48	41	opportunity	opportunity	NOUN
ajbmeb-2837	48	42	to	to	PART
ajbmeb-2837	48	43	expand	expand	VERB
ajbmeb-2837	48	44	the	the	DET
ajbmeb-2837	48	45	share	share	NOUN
ajbmeb-2837	48	46	of	of	ADP
ajbmeb-2837	48	47	long	long	ADJ
ajbmeb-2837	48	48	-	-	PUNCT
ajbmeb-2837	48	49	term	term	NOUN
ajbmeb-2837	48	50	credit	credit	NOUN
ajbmeb-2837	48	51	deposits	deposit	NOUN
ajbmeb-2837	48	52	in	in	ADP
ajbmeb-2837	48	53	the	the	DET
ajbmeb-2837	48	54	economy	economy	NOUN
ajbmeb-2837	48	55	.	.	PUNCT
ajbmeb-2837	49	1	as	as	ADP
ajbmeb-2837	49	2	a	a	DET
ajbmeb-2837	49	3	result	result	NOUN
ajbmeb-2837	49	4	,	,	PUNCT
ajbmeb-2837	49	5	the	the	DET
ajbmeb-2837	49	6	weight	weight	NOUN
ajbmeb-2837	49	7	of	of	ADP
ajbmeb-2837	49	8	lending	lending	NOUN
ajbmeb-2837	49	9	to	to	ADP
ajbmeb-2837	49	10	the	the	DET
ajbmeb-2837	49	11	real	real	ADJ
ajbmeb-2837	49	12	sector	sector	NOUN
ajbmeb-2837	49	13	of	of	ADP
ajbmeb-2837	49	14	the	the	DET
ajbmeb-2837	49	15	economy	economy	NOUN
ajbmeb-2837	49	16	in	in	ADP
ajbmeb-2837	49	17	the	the	DET
ajbmeb-2837	49	18	credit	credit	NOUN
ajbmeb-2837	49	19	policy	policy	NOUN
ajbmeb-2837	49	20	of	of	ADP
ajbmeb-2837	49	21	commercial	commercial	ADJ
ajbmeb-2837	49	22	banks	bank	NOUN
ajbmeb-2837	49	23	is	be	AUX
ajbmeb-2837	49	24	increasing	increase	VERB
ajbmeb-2837	49	25	year	year	NOUN
ajbmeb-2837	49	26	by	by	ADP
ajbmeb-2837	49	27	year	year	NOUN
ajbmeb-2837	49	28	.	.	PUNCT
ajbmeb-2837	50	1	as	as	ADP
ajbmeb-2837	50	2	a	a	DET
ajbmeb-2837	50	3	result	result	NOUN
ajbmeb-2837	50	4	of	of	ADP
ajbmeb-2837	50	5	rationally	rationally	ADV
ajbmeb-2837	50	6	organized	organize	VERB
ajbmeb-2837	50	7	reforms	reform	NOUN
ajbmeb-2837	50	8	,	,	PUNCT
ajbmeb-2837	50	9	the	the	DET
ajbmeb-2837	50	10	evolutionary	evolutionary	ADJ
ajbmeb-2837	50	11	implementation	implementation	NOUN
ajbmeb-2837	50	12	of	of	ADP
ajbmeb-2837	50	13	the	the	DET
ajbmeb-2837	50	14	tasks	task	NOUN
ajbmeb-2837	50	15	set	set	VERB
ajbmeb-2837	50	16	for	for	ADP
ajbmeb-2837	50	17	reforming	reform	VERB
ajbmeb-2837	50	18	and	and	CCONJ
ajbmeb-2837	50	19	liberalizing	liberalize	VERB
ajbmeb-2837	50	20	the	the	DET
ajbmeb-2837	50	21	banking	banking	NOUN
ajbmeb-2837	50	22	system	system	NOUN
ajbmeb-2837	50	23	has	have	AUX
ajbmeb-2837	50	24	led	lead	VERB
ajbmeb-2837	50	25	to	to	ADP
ajbmeb-2837	50	26	further	further	ADJ
ajbmeb-2837	50	27	improvement	improvement	NOUN
ajbmeb-2837	50	28	in	in	ADP
ajbmeb-2837	50	29	the	the	DET
ajbmeb-2837	50	30	activities	activity	NOUN
ajbmeb-2837	50	31	of	of	ADP
ajbmeb-2837	50	32	commercial	commercial	ADJ
ajbmeb-2837	50	33	banks	bank	NOUN
ajbmeb-2837	50	34	,	,	PUNCT
ajbmeb-2837	50	35	ensuring	ensure	VERB
ajbmeb-2837	50	36	their	their	PRON
ajbmeb-2837	50	37	financial	financial	ADJ
ajbmeb-2837	50	38	stability	stability	NOUN
ajbmeb-2837	50	39	,	,	PUNCT
ajbmeb-2837	50	40	and	and	CCONJ
ajbmeb-2837	50	41	most	most	ADV
ajbmeb-2837	50	42	importantly	importantly	ADV
ajbmeb-2837	50	43	,	,	PUNCT
ajbmeb-2837	50	44	increasing	increase	VERB
ajbmeb-2837	50	45	public	public	ADJ
ajbmeb-2837	50	46	confidence	confidence	NOUN
ajbmeb-2837	50	47	in	in	ADP
ajbmeb-2837	50	48	the	the	DET
ajbmeb-2837	50	49	banking	banking	NOUN
ajbmeb-2837	50	50	system	system	NOUN
ajbmeb-2837	50	51	.	.	PUNCT
ajbmeb-2837	51	1	the	the	DET
ajbmeb-2837	51	2	main	main	ADJ
ajbmeb-2837	51	3	goal	goal	NOUN
ajbmeb-2837	51	4	of	of	ADP
ajbmeb-2837	51	5	reforming	reform	VERB
ajbmeb-2837	51	6	the	the	DET
ajbmeb-2837	51	7	banking	banking	NOUN
ajbmeb-2837	51	8	system	system	NOUN
ajbmeb-2837	51	9	is	be	AUX
ajbmeb-2837	51	10	to	to	PART
ajbmeb-2837	51	11	direct	direct	VERB
ajbmeb-2837	51	12	the	the	DET
ajbmeb-2837	51	13	activities	activity	NOUN
ajbmeb-2837	51	14	of	of	ADP
ajbmeb-2837	51	15	banks	bank	NOUN
ajbmeb-2837	51	16	towards	towards	ADP
ajbmeb-2837	51	17	ensuring	ensure	VERB
ajbmeb-2837	51	18	economic	economic	ADJ
ajbmeb-2837	51	19	growth	growth	NOUN
ajbmeb-2837	51	20	and	and	CCONJ
ajbmeb-2837	51	21	financial	financial	ADJ
ajbmeb-2837	51	22	stability	stability	NOUN
ajbmeb-2837	51	23	,	,	PUNCT
ajbmeb-2837	51	24	and	and	CCONJ
ajbmeb-2837	51	25	in	in	ADP
ajbmeb-2837	51	26	recent	recent	ADJ
ajbmeb-2837	51	27	years	year	NOUN
ajbmeb-2837	51	28	,	,	PUNCT
ajbmeb-2837	51	29	commercial	commercial	ADJ
ajbmeb-2837	51	30	banks	bank	NOUN
ajbmeb-2837	51	31	have	have	AUX
ajbmeb-2837	51	32	become	become	VERB
ajbmeb-2837	51	33	a	a	DET
ajbmeb-2837	51	34	financial	financial	ADJ
ajbmeb-2837	51	35	institution	institution	NOUN
ajbmeb-2837	51	36	that	that	PRON
ajbmeb-2837	51	37	directs	direct	VERB
ajbmeb-2837	51	38	financial	financial	ADJ
ajbmeb-2837	51	39	resources	resource	NOUN
ajbmeb-2837	51	40	to	to	ADP
ajbmeb-2837	51	41	the	the	DET
ajbmeb-2837	51	42	field	field	NOUN
ajbmeb-2837	51	43	of	of	ADP
ajbmeb-2837	51	44	financial	financial	ADJ
ajbmeb-2837	51	45	intermediation	intermediation	NOUN
ajbmeb-2837	51	46	operations	operation	NOUN
ajbmeb-2837	51	47	.	.	PUNCT
ajbmeb-2837	52	1	however	however	ADV
ajbmeb-2837	52	2	,	,	PUNCT
ajbmeb-2837	52	3	at	at	ADP
ajbmeb-2837	52	4	the	the	DET
ajbmeb-2837	52	5	same	same	ADJ
ajbmeb-2837	52	6	time	time	NOUN
ajbmeb-2837	52	7	,	,	PUNCT
ajbmeb-2837	52	8	there	there	PRON
ajbmeb-2837	52	9	are	be	VERB
ajbmeb-2837	52	10	problems	problem	NOUN
ajbmeb-2837	52	11	with	with	ADP
ajbmeb-2837	52	12	risk	risk	NOUN
ajbmeb-2837	52	13	management	management	NOUN
ajbmeb-2837	52	14	in	in	ADP
ajbmeb-2837	52	15	protecting	protect	VERB
ajbmeb-2837	52	16	the	the	DET
ajbmeb-2837	52	17	assets	asset	NOUN
ajbmeb-2837	52	18	of	of	ADP
ajbmeb-2837	52	19	commercial	commercial	ADJ
ajbmeb-2837	52	20	banks	bank	NOUN
ajbmeb-2837	52	21	,	,	PUNCT
ajbmeb-2837	52	22	which	which	PRON
ajbmeb-2837	52	23	makes	make	VERB
ajbmeb-2837	52	24	it	it	PRON
ajbmeb-2837	52	25	urgent	urgent	ADJ
ajbmeb-2837	52	26	to	to	PART
ajbmeb-2837	52	27	solve	solve	VERB
ajbmeb-2837	52	28	them	they	PRON
ajbmeb-2837	52	29	and	and	CCONJ
ajbmeb-2837	52	30	develop	develop	VERB
ajbmeb-2837	52	31	a	a	DET
ajbmeb-2837	52	32	modern	modern	ADJ
ajbmeb-2837	52	33	method	method	NOUN
ajbmeb-2837	52	34	of	of	ADP
ajbmeb-2837	52	35	risk	risk	NOUN
ajbmeb-2837	52	36	assessment	assessment	NOUN
ajbmeb-2837	52	37	.	.	PUNCT
ajbmeb-2837	53	1	despite	despite	SCONJ
ajbmeb-2837	53	2	the	the	DET
ajbmeb-2837	53	3	expansion	expansion	NOUN
ajbmeb-2837	53	4	of	of	ADP
ajbmeb-2837	53	5	investment	investment	NOUN
ajbmeb-2837	53	6	flows	flow	VERB
ajbmeb-2837	53	7	in	in	ADP
ajbmeb-2837	53	8	rapidly	rapidly	ADV
ajbmeb-2837	53	9	developing	develop	VERB
ajbmeb-2837	53	10	countries	country	NOUN
ajbmeb-2837	53	11	,	,	PUNCT
ajbmeb-2837	53	12	factors	factor	NOUN
ajbmeb-2837	53	13	such	such	ADJ
ajbmeb-2837	53	14	as	as	ADP
ajbmeb-2837	53	15	transparency	transparency	NOUN
ajbmeb-2837	53	16	,	,	PUNCT
ajbmeb-2837	53	17	liquidity	liquidity	NOUN
ajbmeb-2837	53	18	,	,	PUNCT
ajbmeb-2837	53	19	corruption	corruption	NOUN
ajbmeb-2837	53	20	,	,	PUNCT
ajbmeb-2837	53	21	governance	governance	NOUN
ajbmeb-2837	53	22	,	,	PUNCT
ajbmeb-2837	53	23	taxes	taxis	NOUN
ajbmeb-2837	53	24	,	,	PUNCT
ajbmeb-2837	53	25	and	and	CCONJ
ajbmeb-2837	53	26	relatively	relatively	ADV
ajbmeb-2837	53	27	high	high	ADJ
ajbmeb-2837	53	28	transaction	transaction	NOUN
ajbmeb-2837	53	29	costs	cost	NOUN
ajbmeb-2837	53	30	make	make	VERB
ajbmeb-2837	53	31	it	it	PRON
ajbmeb-2837	53	32	difficult	difficult	ADJ
ajbmeb-2837	53	33	to	to	PART
ajbmeb-2837	53	34	form	form	VERB
ajbmeb-2837	53	35	the	the	DET
ajbmeb-2837	53	36	“	"	PUNCT
ajbmeb-2837	53	37	best	good	ADJ
ajbmeb-2837	53	38	”	"	PUNCT
ajbmeb-2837	53	39	methods	method	NOUN
ajbmeb-2837	53	40	of	of	ADP
ajbmeb-2837	53	41	asset	asset	NOUN
ajbmeb-2837	53	42	valuation	valuation	NOUN
ajbmeb-2837	53	43	.	.	PUNCT
ajbmeb-2837	54	1	the	the	DET
ajbmeb-2837	54	2	still	still	ADV
ajbmeb-2837	54	3	low	low	ADJ
ajbmeb-2837	54	4	growth	growth	NOUN
ajbmeb-2837	54	5	rate	rate	NOUN
ajbmeb-2837	54	6	in	in	ADP
ajbmeb-2837	54	7	the	the	DET
ajbmeb-2837	54	8	world	world	NOUN
ajbmeb-2837	54	9	economy	economy	NOUN
ajbmeb-2837	54	10	is	be	AUX
ajbmeb-2837	54	11	encouraging	encourage	VERB
ajbmeb-2837	54	12	world	world	NOUN
ajbmeb-2837	54	13	investors	investor	NOUN
ajbmeb-2837	54	14	to	to	PART
ajbmeb-2837	54	15	invest	invest	VERB
ajbmeb-2837	54	16	in	in	ADP
ajbmeb-2837	54	17	the	the	DET
ajbmeb-2837	54	18	economies	economy	NOUN
ajbmeb-2837	54	19	of	of	ADP
ajbmeb-2837	54	20	developing	develop	VERB
ajbmeb-2837	54	21	countries	country	NOUN
ajbmeb-2837	54	22	,	,	PUNCT
ajbmeb-2837	54	23	which	which	PRON
ajbmeb-2837	54	24	are	be	AUX
ajbmeb-2837	54	25	growing	grow	VERB
ajbmeb-2837	54	26	at	at	ADP
ajbmeb-2837	54	27	two	two	NUM
ajbmeb-2837	54	28	or	or	CCONJ
ajbmeb-2837	54	29	more	more	ADJ
ajbmeb-2837	54	30	times	time	NOUN
ajbmeb-2837	54	31	the	the	DET
ajbmeb-2837	54	32	rate	rate	NOUN
ajbmeb-2837	54	33	of	of	ADP
ajbmeb-2837	54	34	developed	develop	VERB
ajbmeb-2837	54	35	countries	country	NOUN
ajbmeb-2837	54	36	.	.	PUNCT
ajbmeb-2837	55	1	american	american	PROPN
ajbmeb-2837	55	2	journal	journal	PROPN
ajbmeb-2837	55	3	of	of	ADP
ajbmeb-2837	55	4	business	business	NOUN
ajbmeb-2837	55	5	management	management	NOUN
ajbmeb-2837	55	6	,	,	PUNCT
ajbmeb-2837	55	7	economics	economic	NOUN
ajbmeb-2837	55	8	and	and	CCONJ
ajbmeb-2837	55	9	banking	banking	NOUN
ajbmeb-2837	55	10	volume	volume	NOUN
ajbmeb-2837	55	11	35	35	NUM
ajbmeb-2837	55	12	april	april	PROPN
ajbmeb-2837	55	13	2025	2025	NUM
ajbmeb-2837	55	14	p	p	NOUN
ajbmeb-2837	55	15	a	a	DET
ajbmeb-2837	55	16	g	g	NOUN
ajbmeb-2837	55	17	e	e	NOUN
ajbmeb-2837	55	18	|	|	ADV
ajbmeb-2837	55	19	10	10	NUM
ajbmeb-2837	55	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2837	55	21	risk	risk	NOUN
ajbmeb-2837	55	22	assessment	assessment	NOUN
ajbmeb-2837	55	23	in	in	ADP
ajbmeb-2837	55	24	the	the	DET
ajbmeb-2837	55	25	activities	activity	NOUN
ajbmeb-2837	55	26	of	of	ADP
ajbmeb-2837	55	27	commercial	commercial	ADJ
ajbmeb-2837	55	28	banks	bank	NOUN
ajbmeb-2837	55	29	,	,	PUNCT
ajbmeb-2837	55	30	first	first	ADV
ajbmeb-2837	55	31	of	of	ADP
ajbmeb-2837	55	32	all	all	PRON
ajbmeb-2837	55	33	,	,	PUNCT
ajbmeb-2837	55	34	involves	involve	VERB
ajbmeb-2837	55	35	analyzing	analyze	VERB
ajbmeb-2837	55	36	the	the	DET
ajbmeb-2837	55	37	risk	risk	NOUN
ajbmeb-2837	55	38	,	,	PUNCT
ajbmeb-2837	55	39	determining	determine	VERB
ajbmeb-2837	55	40	its	its	PRON
ajbmeb-2837	55	41	possible	possible	ADJ
ajbmeb-2837	55	42	effects	effect	NOUN
ajbmeb-2837	55	43	,	,	PUNCT
ajbmeb-2837	55	44	and	and	CCONJ
ajbmeb-2837	55	45	developing	develop	VERB
ajbmeb-2837	55	46	the	the	DET
ajbmeb-2837	55	47	limits	limit	NOUN
ajbmeb-2837	55	48	of	of	ADP
ajbmeb-2837	55	49	its	its	PRON
ajbmeb-2837	55	50	general	general	ADJ
ajbmeb-2837	55	51	indicators	indicator	NOUN
ajbmeb-2837	55	52	.	.	PUNCT
ajbmeb-2837	56	1	risks	risk	NOUN
ajbmeb-2837	56	2	are	be	AUX
ajbmeb-2837	56	3	assessed	assess	VERB
ajbmeb-2837	56	4	taking	take	VERB
ajbmeb-2837	56	5	into	into	ADP
ajbmeb-2837	56	6	account	account	NOUN
ajbmeb-2837	56	7	a	a	DET
ajbmeb-2837	56	8	number	number	NOUN
ajbmeb-2837	56	9	of	of	ADP
ajbmeb-2837	56	10	economic	economic	ADJ
ajbmeb-2837	56	11	factors	factor	NOUN
ajbmeb-2837	56	12	.	.	PUNCT
ajbmeb-2837	57	1	experts	expert	NOUN
ajbmeb-2837	57	2	evaluate	evaluate	VERB
ajbmeb-2837	57	3	these	these	DET
ajbmeb-2837	57	4	indicators	indicator	NOUN
ajbmeb-2837	57	5	in	in	ADP
ajbmeb-2837	57	6	a	a	DET
ajbmeb-2837	57	7	scoring	scoring	NOUN
ajbmeb-2837	57	8	system	system	NOUN
ajbmeb-2837	57	9	,	,	PUNCT
ajbmeb-2837	57	10	and	and	CCONJ
ajbmeb-2837	57	11	on	on	ADP
ajbmeb-2837	57	12	this	this	DET
ajbmeb-2837	57	13	basis	basis	NOUN
ajbmeb-2837	57	14	,	,	PUNCT
ajbmeb-2837	57	15	the	the	DET
ajbmeb-2837	57	16	level	level	NOUN
ajbmeb-2837	57	17	of	of	ADP
ajbmeb-2837	57	18	impact	impact	NOUN
ajbmeb-2837	57	19	is	be	AUX
ajbmeb-2837	57	20	studied	study	VERB
ajbmeb-2837	57	21	,	,	PUNCT
ajbmeb-2837	57	22	dividing	divide	VERB
ajbmeb-2837	57	23	risks	risk	NOUN
ajbmeb-2837	57	24	into	into	ADP
ajbmeb-2837	57	25	certain	certain	ADJ
ajbmeb-2837	57	26	categories	category	NOUN
ajbmeb-2837	57	27	.	.	PUNCT
ajbmeb-2837	58	1	in	in	ADP
ajbmeb-2837	58	2	general	general	ADJ
ajbmeb-2837	58	3	,	,	PUNCT
ajbmeb-2837	58	4	the	the	DET
ajbmeb-2837	58	5	source	source	NOUN
ajbmeb-2837	58	6	of	of	ADP
ajbmeb-2837	58	7	risks	risk	NOUN
ajbmeb-2837	58	8	in	in	ADP
ajbmeb-2837	58	9	the	the	DET
ajbmeb-2837	58	10	financial	financial	ADJ
ajbmeb-2837	58	11	market	market	NOUN
ajbmeb-2837	58	12	is	be	AUX
ajbmeb-2837	58	13	various	various	ADJ
ajbmeb-2837	58	14	factors	factor	NOUN
ajbmeb-2837	58	15	,	,	PUNCT
ajbmeb-2837	58	16	the	the	DET
ajbmeb-2837	58	17	impact	impact	NOUN
ajbmeb-2837	58	18	of	of	ADP
ajbmeb-2837	58	19	which	which	PRON
ajbmeb-2837	58	20	,	,	PUNCT
ajbmeb-2837	58	21	in	in	ADP
ajbmeb-2837	58	22	a	a	DET
ajbmeb-2837	58	23	potentially	potentially	ADV
ajbmeb-2837	58	24	known	know	VERB
ajbmeb-2837	58	25	and	and	CCONJ
ajbmeb-2837	58	26	unknown	unknown	ADJ
ajbmeb-2837	58	27	degree	degree	NOUN
ajbmeb-2837	58	28	,	,	PUNCT
ajbmeb-2837	58	29	causes	cause	VERB
ajbmeb-2837	58	30	risky	risky	ADJ
ajbmeb-2837	58	31	processes	process	NOUN
ajbmeb-2837	58	32	,	,	PUNCT
ajbmeb-2837	58	33	events	event	NOUN
ajbmeb-2837	58	34	,	,	PUNCT
ajbmeb-2837	58	35	and	and	CCONJ
ajbmeb-2837	58	36	actions	action	NOUN
ajbmeb-2837	58	37	in	in	ADP
ajbmeb-2837	58	38	the	the	DET
ajbmeb-2837	58	39	financial	financial	ADJ
ajbmeb-2837	58	40	market	market	NOUN
ajbmeb-2837	58	41	,	,	PUNCT
ajbmeb-2837	58	42	respectively	respectively	ADV
ajbmeb-2837	58	43	.	.	PUNCT
ajbmeb-2837	59	1	in	in	ADP
ajbmeb-2837	59	2	other	other	ADJ
ajbmeb-2837	59	3	words	word	NOUN
ajbmeb-2837	59	4	,	,	PUNCT
ajbmeb-2837	59	5	risks	risk	NOUN
ajbmeb-2837	59	6	are	be	AUX
ajbmeb-2837	59	7	always	always	ADV
ajbmeb-2837	59	8	present	present	ADJ
ajbmeb-2837	59	9	in	in	ADP
ajbmeb-2837	59	10	the	the	DET
ajbmeb-2837	59	11	composition	composition	NOUN
ajbmeb-2837	59	12	of	of	ADP
ajbmeb-2837	59	13	factors	factor	NOUN
ajbmeb-2837	59	14	,	,	PUNCT
ajbmeb-2837	59	15	arise	arise	VERB
ajbmeb-2837	59	16	on	on	ADP
ajbmeb-2837	59	17	the	the	DET
ajbmeb-2837	59	18	basis	basis	NOUN
ajbmeb-2837	59	19	of	of	ADP
ajbmeb-2837	59	20	laws	law	NOUN
ajbmeb-2837	59	21	that	that	PRON
ajbmeb-2837	59	22	are	be	AUX
ajbmeb-2837	59	23	inherently	inherently	ADV
ajbmeb-2837	59	24	probabilistic	probabilistic	ADJ
ajbmeb-2837	59	25	,	,	PUNCT
ajbmeb-2837	59	26	and	and	CCONJ
ajbmeb-2837	59	27	are	be	AUX
ajbmeb-2837	59	28	directly	directly	ADV
ajbmeb-2837	59	29	or	or	CCONJ
ajbmeb-2837	59	30	indirectly	indirectly	ADV
ajbmeb-2837	59	31	transmitted	transmit	VERB
ajbmeb-2837	59	32	to	to	ADP
ajbmeb-2837	59	33	the	the	DET
ajbmeb-2837	59	34	realities	reality	NOUN
ajbmeb-2837	59	35	that	that	PRON
ajbmeb-2837	59	36	are	be	AUX
ajbmeb-2837	59	37	being	be	AUX
ajbmeb-2837	59	38	formed	form	VERB
ajbmeb-2837	59	39	in	in	ADP
ajbmeb-2837	59	40	the	the	DET
ajbmeb-2837	59	41	financial	financial	ADJ
ajbmeb-2837	59	42	market	market	NOUN
ajbmeb-2837	59	43	environment	environment	NOUN
ajbmeb-2837	59	44	.	.	PUNCT
ajbmeb-2837	60	1	therefore	therefore	ADV
ajbmeb-2837	60	2	,	,	PUNCT
ajbmeb-2837	60	3	risks	risk	NOUN
ajbmeb-2837	60	4	are	be	AUX
ajbmeb-2837	60	5	always	always	ADV
ajbmeb-2837	60	6	present	present	ADJ
ajbmeb-2837	60	7	in	in	ADP
ajbmeb-2837	60	8	the	the	DET
ajbmeb-2837	60	9	environment	environment	NOUN
ajbmeb-2837	60	10	of	of	ADP
ajbmeb-2837	60	11	the	the	DET
ajbmeb-2837	60	12	financial	financial	ADJ
ajbmeb-2837	60	13	market	market	NOUN
ajbmeb-2837	60	14	,	,	PUNCT
ajbmeb-2837	60	15	weakening	weaken	VERB
ajbmeb-2837	60	16	its	its	PRON
ajbmeb-2837	60	17	condition	condition	NOUN
ajbmeb-2837	60	18	and	and	CCONJ
ajbmeb-2837	60	19	the	the	DET
ajbmeb-2837	60	20	quality	quality	NOUN
ajbmeb-2837	60	21	of	of	ADP
ajbmeb-2837	60	22	its	its	PRON
ajbmeb-2837	60	23	development	development	NOUN
ajbmeb-2837	60	24	,	,	PUNCT
ajbmeb-2837	60	25	sometimes	sometimes	ADV
ajbmeb-2837	60	26	even	even	ADV
ajbmeb-2837	60	27	worsening	worsen	VERB
ajbmeb-2837	60	28	it	it	PRON
ajbmeb-2837	60	29	.	.	PUNCT
ajbmeb-2837	61	1	based	base	VERB
ajbmeb-2837	61	2	on	on	ADP
ajbmeb-2837	61	3	the	the	DET
ajbmeb-2837	61	4	analysis	analysis	NOUN
ajbmeb-2837	61	5	of	of	ADP
ajbmeb-2837	61	6	the	the	DET
ajbmeb-2837	61	7	nature	nature	NOUN
ajbmeb-2837	61	8	,	,	PUNCT
ajbmeb-2837	61	9	content	content	NOUN
ajbmeb-2837	61	10	and	and	CCONJ
ajbmeb-2837	61	11	impact	impact	NOUN
ajbmeb-2837	61	12	of	of	ADP
ajbmeb-2837	61	13	risks	risk	NOUN
ajbmeb-2837	61	14	,	,	PUNCT
ajbmeb-2837	61	15	it	it	PRON
ajbmeb-2837	61	16	is	be	AUX
ajbmeb-2837	61	17	possible	possible	ADJ
ajbmeb-2837	61	18	to	to	PART
ajbmeb-2837	61	19	develop	develop	VERB
ajbmeb-2837	61	20	measures	measure	NOUN
ajbmeb-2837	61	21	to	to	PART
ajbmeb-2837	61	22	reduce	reduce	VERB
ajbmeb-2837	61	23	and	and	CCONJ
ajbmeb-2837	61	24	manage	manage	VERB
ajbmeb-2837	61	25	them	they	PRON
ajbmeb-2837	61	26	.	.	PUNCT
ajbmeb-2837	62	1	the	the	DET
ajbmeb-2837	62	2	main	main	ADJ
ajbmeb-2837	62	3	methods	method	NOUN
ajbmeb-2837	62	4	of	of	ADP
ajbmeb-2837	62	5	risk	risk	NOUN
ajbmeb-2837	62	6	assessment	assessment	NOUN
ajbmeb-2837	62	7	in	in	ADP
ajbmeb-2837	62	8	financial	financial	ADJ
ajbmeb-2837	62	9	markets	market	NOUN
ajbmeb-2837	62	10	are	be	AUX
ajbmeb-2837	62	11	the	the	DET
ajbmeb-2837	62	12	markowitz	markowitz	PROPN
ajbmeb-2837	62	13	model	model	PROPN
ajbmeb-2837	62	14	,	,	PUNCT
ajbmeb-2837	62	15	capm	capm	PROPN
ajbmeb-2837	62	16	,	,	PUNCT
ajbmeb-2837	62	17	apt	apt	ADJ
ajbmeb-2837	62	18	,	,	PUNCT
ajbmeb-2837	62	19	black	black	ADJ
ajbmeb-2837	62	20	-	-	PUNCT
ajbmeb-2837	62	21	scholes	schole	NOUN
ajbmeb-2837	62	22	option	option	NOUN
ajbmeb-2837	62	23	pricing	pricing	NOUN
ajbmeb-2837	62	24	model	model	NOUN
ajbmeb-2837	62	25	,	,	PUNCT
ajbmeb-2837	62	26	and	and	CCONJ
ajbmeb-2837	62	27	the	the	DET
ajbmeb-2837	62	28	var	var	NOUN
ajbmeb-2837	62	29	method	method	NOUN
ajbmeb-2837	62	30	of	of	ADP
ajbmeb-2837	62	31	risk	risk	NOUN
ajbmeb-2837	62	32	assessment	assessment	NOUN
ajbmeb-2837	62	33	based	base	VERB
ajbmeb-2837	62	34	on	on	ADP
ajbmeb-2837	62	35	fluctuations	fluctuation	NOUN
ajbmeb-2837	62	36	.	.	PUNCT
ajbmeb-2837	63	1	in	in	ADP
ajbmeb-2837	63	2	practice	practice	NOUN
ajbmeb-2837	63	3	,	,	PUNCT
ajbmeb-2837	63	4	banks	bank	NOUN
ajbmeb-2837	63	5	can	can	AUX
ajbmeb-2837	63	6	use	use	VERB
ajbmeb-2837	63	7	any	any	PRON
ajbmeb-2837	63	8	of	of	ADP
ajbmeb-2837	63	9	the	the	DET
ajbmeb-2837	63	10	above	above	ADJ
ajbmeb-2837	63	11	risk	risk	NOUN
ajbmeb-2837	63	12	assessment	assessment	NOUN
ajbmeb-2837	63	13	methods	method	NOUN
ajbmeb-2837	63	14	.	.	PUNCT
ajbmeb-2837	64	1	although	although	SCONJ
ajbmeb-2837	64	2	the	the	DET
ajbmeb-2837	64	3	level	level	NOUN
ajbmeb-2837	64	4	of	of	ADP
ajbmeb-2837	64	5	financial	financial	ADJ
ajbmeb-2837	64	6	risk	risk	NOUN
ajbmeb-2837	64	7	determined	determine	VERB
ajbmeb-2837	64	8	by	by	ADP
ajbmeb-2837	64	9	each	each	DET
ajbmeb-2837	64	10	method	method	NOUN
ajbmeb-2837	64	11	is	be	AUX
ajbmeb-2837	64	12	different	different	ADJ
ajbmeb-2837	64	13	,	,	PUNCT
ajbmeb-2837	64	14	they	they	PRON
ajbmeb-2837	64	15	are	be	AUX
ajbmeb-2837	64	16	quantitatively	quantitatively	ADV
ajbmeb-2837	64	17	close	close	ADJ
ajbmeb-2837	64	18	to	to	ADP
ajbmeb-2837	64	19	each	each	DET
ajbmeb-2837	64	20	other	other	ADJ
ajbmeb-2837	64	21	.	.	PUNCT
ajbmeb-2837	65	1	the	the	DET
ajbmeb-2837	65	2	markowitz	markowitz	PROPN
ajbmeb-2837	65	3	and	and	CCONJ
ajbmeb-2837	65	4	capm	capm	PROPN
ajbmeb-2837	65	5	methods	method	NOUN
ajbmeb-2837	65	6	assess	assess	VERB
ajbmeb-2837	65	7	and	and	CCONJ
ajbmeb-2837	65	8	reduce	reduce	VERB
ajbmeb-2837	65	9	risks	risk	NOUN
ajbmeb-2837	65	10	by	by	ADP
ajbmeb-2837	65	11	forming	form	VERB
ajbmeb-2837	65	12	portfolios	portfolio	NOUN
ajbmeb-2837	65	13	of	of	ADP
ajbmeb-2837	65	14	various	various	ADJ
ajbmeb-2837	65	15	types	type	NOUN
ajbmeb-2837	65	16	of	of	ADP
ajbmeb-2837	65	17	assets	asset	NOUN
ajbmeb-2837	65	18	.	.	PUNCT
ajbmeb-2837	66	1	the	the	DET
ajbmeb-2837	66	2	assets	asset	NOUN
ajbmeb-2837	66	3	of	of	ADP
ajbmeb-2837	66	4	commercial	commercial	ADJ
ajbmeb-2837	66	5	banks	bank	NOUN
ajbmeb-2837	66	6	can	can	AUX
ajbmeb-2837	66	7	be	be	AUX
ajbmeb-2837	66	8	loans	loan	NOUN
ajbmeb-2837	66	9	,	,	PUNCT
ajbmeb-2837	66	10	microloans	microloan	NOUN
ajbmeb-2837	66	11	,	,	PUNCT
ajbmeb-2837	66	12	foreign	foreign	ADJ
ajbmeb-2837	66	13	exchange	exchange	NOUN
ajbmeb-2837	66	14	,	,	PUNCT
ajbmeb-2837	66	15	overdrafts	overdraft	NOUN
ajbmeb-2837	66	16	,	,	PUNCT
ajbmeb-2837	66	17	leasing	leasing	NOUN
ajbmeb-2837	66	18	,	,	PUNCT
ajbmeb-2837	66	19	factoring	factoring	NOUN
ajbmeb-2837	66	20	,	,	PUNCT
ajbmeb-2837	66	21	securities	security	NOUN
ajbmeb-2837	66	22	,	,	PUNCT
ajbmeb-2837	66	23	investments	investment	NOUN
ajbmeb-2837	66	24	,	,	PUNCT
ajbmeb-2837	66	25	funds	fund	NOUN
ajbmeb-2837	66	26	in	in	ADP
ajbmeb-2837	66	27	other	other	ADJ
ajbmeb-2837	66	28	banks	bank	NOUN
ajbmeb-2837	66	29	,	,	PUNCT
ajbmeb-2837	66	30	accrued	accrue	VERB
ajbmeb-2837	66	31	non	non	ADJ
ajbmeb-2837	66	32	-	-	ADJ
ajbmeb-2837	66	33	interest	interest	ADJ
ajbmeb-2837	66	34	income	income	NOUN
ajbmeb-2837	66	35	,	,	PUNCT
ajbmeb-2837	66	36	other	other	ADJ
ajbmeb-2837	66	37	private	private	ADJ
ajbmeb-2837	66	38	property	property	NOUN
ajbmeb-2837	66	39	of	of	ADP
ajbmeb-2837	66	40	the	the	DET
ajbmeb-2837	66	41	bank	bank	NOUN
ajbmeb-2837	66	42	,	,	PUNCT
ajbmeb-2837	66	43	and	and	CCONJ
ajbmeb-2837	66	44	some	some	DET
ajbmeb-2837	66	45	derivative	derivative	ADJ
ajbmeb-2837	66	46	instruments	instrument	NOUN
ajbmeb-2837	66	47	.	.	PUNCT
ajbmeb-2837	67	1	in	in	ADP
ajbmeb-2837	67	2	our	our	PRON
ajbmeb-2837	67	3	case	case	NOUN
ajbmeb-2837	67	4	,	,	PUNCT
ajbmeb-2837	67	5	foreign	foreign	ADJ
ajbmeb-2837	67	6	exchange	exchange	NOUN
ajbmeb-2837	67	7	funds	fund	NOUN
ajbmeb-2837	67	8	,	,	PUNCT
ajbmeb-2837	67	9	securities	security	NOUN
ajbmeb-2837	67	10	,	,	PUNCT
ajbmeb-2837	67	11	and	and	CCONJ
ajbmeb-2837	67	12	loans	loan	NOUN
ajbmeb-2837	67	13	are	be	AUX
ajbmeb-2837	67	14	taken	take	VERB
ajbmeb-2837	67	15	as	as	ADP
ajbmeb-2837	67	16	assets	asset	NOUN
ajbmeb-2837	67	17	.	.	PUNCT
ajbmeb-2837	68	1	one	one	NUM
ajbmeb-2837	68	2	of	of	ADP
ajbmeb-2837	68	3	the	the	DET
ajbmeb-2837	68	4	most	most	ADV
ajbmeb-2837	68	5	widely	widely	ADV
ajbmeb-2837	68	6	used	use	VERB
ajbmeb-2837	68	7	methods	method	NOUN
ajbmeb-2837	68	8	in	in	ADP
ajbmeb-2837	68	9	world	world	NOUN
ajbmeb-2837	68	10	practice	practice	NOUN
ajbmeb-2837	68	11	for	for	ADP
ajbmeb-2837	68	12	assessing	assess	VERB
ajbmeb-2837	68	13	financial	financial	ADJ
ajbmeb-2837	68	14	risks	risk	NOUN
ajbmeb-2837	68	15	is	be	AUX
ajbmeb-2837	68	16	var	var	NOUN
ajbmeb-2837	68	17	(	(	PUNCT
ajbmeb-2837	68	18	value	value	NOUN
ajbmeb-2837	68	19	-	-	PUNCT
ajbmeb-2837	68	20	atrisk	atrisk	NOUN
ajbmeb-2837	68	21	)	)	PUNCT
ajbmeb-2837	68	22	,	,	PUNCT
ajbmeb-2837	68	23	that	that	ADV
ajbmeb-2837	68	24	is	is	ADV
ajbmeb-2837	68	25	,	,	PUNCT
ajbmeb-2837	68	26	“	"	PUNCT
ajbmeb-2837	68	27	risk	risk	NOUN
ajbmeb-2837	68	28	amount	amount	NOUN
ajbmeb-2837	68	29	”	"	PUNCT
ajbmeb-2837	68	30	or	or	CCONJ
ajbmeb-2837	68	31	“	"	PUNCT
ajbmeb-2837	68	32	risk	risk	NOUN
ajbmeb-2837	68	33	rate	rate	NOUN
ajbmeb-2837	68	34	”	"	PUNCT
ajbmeb-2837	68	35	.	.	PUNCT
ajbmeb-2837	69	1	the	the	DET
ajbmeb-2837	69	2	value	value	NOUN
ajbmeb-2837	69	3	at	at	ADP
ajbmeb-2837	69	4	risk	risk	NOUN
ajbmeb-2837	69	5	method	method	NOUN
ajbmeb-2837	69	6	is	be	AUX
ajbmeb-2837	69	7	sometimes	sometimes	ADV
ajbmeb-2837	69	8	also	also	ADV
ajbmeb-2837	69	9	called	call	VERB
ajbmeb-2837	69	10	the	the	DET
ajbmeb-2837	69	11	monte	monte	PROPN
ajbmeb-2837	69	12	carlo	carlo	PROPN
ajbmeb-2837	69	13	method	method	PROPN
ajbmeb-2837	69	14	.	.	PUNCT
ajbmeb-2837	70	1	var	var	PROPN
ajbmeb-2837	70	2	has	have	VERB
ajbmeb-2837	70	3	a	a	DET
ajbmeb-2837	70	4	number	number	NOUN
ajbmeb-2837	70	5	of	of	ADP
ajbmeb-2837	70	6	advantages	advantage	NOUN
ajbmeb-2837	70	7	,	,	PUNCT
ajbmeb-2837	70	8	including	include	VERB
ajbmeb-2837	70	9	:	:	PUNCT
ajbmeb-2837	70	10	•	•	ADP
ajbmeb-2837	70	11	this	this	DET
ajbmeb-2837	70	12	method	method	NOUN
ajbmeb-2837	70	13	allows	allow	VERB
ajbmeb-2837	70	14	you	you	PRON
ajbmeb-2837	70	15	to	to	PART
ajbmeb-2837	70	16	assess	assess	VERB
ajbmeb-2837	70	17	risk	risk	NOUN
ajbmeb-2837	70	18	by	by	ADP
ajbmeb-2837	70	19	the	the	DET
ajbmeb-2837	70	20	probability	probability	NOUN
ajbmeb-2837	70	21	of	of	ADP
ajbmeb-2837	70	22	their	their	PRON
ajbmeb-2837	70	23	occurrence	occurrence	NOUN
ajbmeb-2837	70	24	within	within	ADP
ajbmeb-2837	70	25	the	the	DET
ajbmeb-2837	70	26	expected	expect	VERB
ajbmeb-2837	70	27	losses	loss	NOUN
ajbmeb-2837	70	28	;	;	PUNCT
ajbmeb-2837	70	29	•	•	NUM
ajbmeb-2837	70	30	allows	allow	VERB
ajbmeb-2837	70	31	you	you	PRON
ajbmeb-2837	70	32	to	to	PART
ajbmeb-2837	70	33	assess	assess	VERB
ajbmeb-2837	70	34	risk	risk	NOUN
ajbmeb-2837	70	35	universally	universally	ADV
ajbmeb-2837	70	36	in	in	ADP
ajbmeb-2837	70	37	different	different	ADJ
ajbmeb-2837	70	38	markets	market	NOUN
ajbmeb-2837	70	39	;	;	PUNCT
ajbmeb-2837	70	40	•	•	NUM
ajbmeb-2837	70	41	allows	allow	VERB
ajbmeb-2837	70	42	you	you	PRON
ajbmeb-2837	70	43	to	to	PART
ajbmeb-2837	70	44	reduce	reduce	VERB
ajbmeb-2837	70	45	individual	individual	ADJ
ajbmeb-2837	70	46	positions	position	NOUN
ajbmeb-2837	70	47	to	to	ADP
ajbmeb-2837	70	48	a	a	DET
ajbmeb-2837	70	49	single	single	ADJ
ajbmeb-2837	70	50	amount	amount	NOUN
ajbmeb-2837	70	51	for	for	ADP
ajbmeb-2837	70	52	the	the	DET
ajbmeb-2837	70	53	overall	overall	ADJ
ajbmeb-2837	70	54	portfolio	portfolio	NOUN
ajbmeb-2837	70	55	,	,	PUNCT
ajbmeb-2837	70	56	taking	take	VERB
ajbmeb-2837	70	57	into	into	ADP
ajbmeb-2837	70	58	account	account	NOUN
ajbmeb-2837	70	59	information	information	NOUN
ajbmeb-2837	70	60	on	on	ADP
ajbmeb-2837	70	61	the	the	DET
ajbmeb-2837	70	62	number	number	NOUN
ajbmeb-2837	70	63	of	of	ADP
ajbmeb-2837	70	64	positions	position	NOUN
ajbmeb-2837	70	65	and	and	CCONJ
ajbmeb-2837	70	66	market	market	NOUN
ajbmeb-2837	70	67	fluctuations	fluctuation	NOUN
ajbmeb-2837	70	68	during	during	ADP
ajbmeb-2837	70	69	the	the	DET
ajbmeb-2837	70	70	position	position	NOUN
ajbmeb-2837	70	71	holding	hold	VERB
ajbmeb-2837	70	72	period	period	NOUN
ajbmeb-2837	70	73	.	.	PUNCT
ajbmeb-2837	71	1	financial	financial	ADJ
ajbmeb-2837	71	2	risks	risk	NOUN
ajbmeb-2837	71	3	are	be	AUX
ajbmeb-2837	71	4	assessed	assess	VERB
ajbmeb-2837	71	5	using	use	VERB
ajbmeb-2837	71	6	the	the	DET
ajbmeb-2837	71	7	var	var	NOUN
ajbmeb-2837	71	8	assessment	assessment	NOUN
ajbmeb-2837	71	9	method	method	NOUN
ajbmeb-2837	71	10	using	use	VERB
ajbmeb-2837	71	11	complex	complex	ADJ
ajbmeb-2837	71	12	mathematical	mathematical	ADJ
ajbmeb-2837	71	13	formulas	formula	NOUN
ajbmeb-2837	71	14	.	.	PUNCT
ajbmeb-2837	72	1	this	this	DET
ajbmeb-2837	72	2	method	method	NOUN
ajbmeb-2837	72	3	is	be	AUX
ajbmeb-2837	72	4	currently	currently	ADV
ajbmeb-2837	72	5	very	very	ADV
ajbmeb-2837	72	6	widely	widely	ADV
ajbmeb-2837	72	7	used	use	VERB
ajbmeb-2837	72	8	in	in	ADP
ajbmeb-2837	72	9	developed	develop	VERB
ajbmeb-2837	72	10	countries	country	NOUN
ajbmeb-2837	72	11	.	.	PUNCT
ajbmeb-2837	73	1	various	various	ADJ
ajbmeb-2837	73	2	methods	method	NOUN
ajbmeb-2837	73	3	are	be	AUX
ajbmeb-2837	73	4	used	use	VERB
ajbmeb-2837	73	5	in	in	ADP
ajbmeb-2837	73	6	practice	practice	NOUN
ajbmeb-2837	73	7	to	to	PART
ajbmeb-2837	73	8	identify	identify	VERB
ajbmeb-2837	73	9	risks	risk	NOUN
ajbmeb-2837	73	10	.	.	PUNCT
ajbmeb-2837	74	1	the	the	DET
ajbmeb-2837	74	2	most	most	ADV
ajbmeb-2837	74	3	commonly	commonly	ADV
ajbmeb-2837	74	4	used	use	VERB
ajbmeb-2837	74	5	of	of	ADP
ajbmeb-2837	74	6	them	they	PRON
ajbmeb-2837	74	7	are	be	AUX
ajbmeb-2837	74	8	:	:	PUNCT
ajbmeb-2837	74	9	a	a	X
ajbmeb-2837	74	10	)	)	PUNCT
ajbmeb-2837	74	11	statistical	statistical	ADJ
ajbmeb-2837	74	12	method	method	NOUN
ajbmeb-2837	74	13	;	;	PUNCT
ajbmeb-2837	74	14	b	b	X
ajbmeb-2837	74	15	)	)	PUNCT
ajbmeb-2837	74	16	expert	expert	NOUN
ajbmeb-2837	74	17	method	method	NOUN
ajbmeb-2837	74	18	;	;	PUNCT
ajbmeb-2837	74	19	c	c	X
ajbmeb-2837	74	20	)	)	PUNCT
ajbmeb-2837	74	21	combined	combine	VERB
ajbmeb-2837	74	22	method	method	NOUN
ajbmeb-2837	74	23	.	.	PUNCT
ajbmeb-2837	75	1	we	we	PRON
ajbmeb-2837	75	2	consider	consider	VERB
ajbmeb-2837	75	3	it	it	PRON
ajbmeb-2837	75	4	appropriate	appropriate	ADJ
ajbmeb-2837	75	5	to	to	PART
ajbmeb-2837	75	6	present	present	VERB
ajbmeb-2837	75	7	the	the	DET
ajbmeb-2837	75	8	methods	method	NOUN
ajbmeb-2837	75	9	used	use	VERB
ajbmeb-2837	75	10	to	to	PART
ajbmeb-2837	75	11	identify	identify	VERB
ajbmeb-2837	75	12	risks	risk	NOUN
ajbmeb-2837	75	13	in	in	ADP
ajbmeb-2837	75	14	commercial	commercial	ADJ
ajbmeb-2837	75	15	banks	bank	NOUN
ajbmeb-2837	75	16	in	in	ADP
ajbmeb-2837	75	17	the	the	DET
ajbmeb-2837	75	18	form	form	NOUN
ajbmeb-2837	75	19	presented	present	VERB
ajbmeb-2837	75	20	in	in	ADP
ajbmeb-2837	75	21	this	this	DET
ajbmeb-2837	75	22	table	table	NOUN
ajbmeb-2837	75	23	(	(	PUNCT
ajbmeb-2837	75	24	table	table	NOUN
ajbmeb-2837	75	25	1	1	NUM
ajbmeb-2837	75	26	)	)	PUNCT
ajbmeb-2837	75	27	.	.	PUNCT
ajbmeb-2837	76	1	american	american	PROPN
ajbmeb-2837	76	2	journal	journal	PROPN
ajbmeb-2837	76	3	of	of	ADP
ajbmeb-2837	76	4	business	business	NOUN
ajbmeb-2837	76	5	management	management	NOUN
ajbmeb-2837	76	6	,	,	PUNCT
ajbmeb-2837	76	7	economics	economic	NOUN
ajbmeb-2837	76	8	and	and	CCONJ
ajbmeb-2837	76	9	banking	banking	NOUN
ajbmeb-2837	76	10	volume	volume	NOUN
ajbmeb-2837	76	11	35	35	NUM
ajbmeb-2837	76	12	april	april	PROPN
ajbmeb-2837	76	13	2025	2025	NUM
ajbmeb-2837	76	14	p	p	NOUN
ajbmeb-2837	77	1	a	a	DET
ajbmeb-2837	77	2	g	g	NOUN
ajbmeb-2837	77	3	e	e	NOUN
ajbmeb-2837	77	4	|	|	ADV
ajbmeb-2837	77	5	11	11	NUM
ajbmeb-2837	77	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2837	77	7	table	table	NOUN
ajbmeb-2837	77	8	1	1	NUM
ajbmeb-2837	77	9	methods	method	NOUN
ajbmeb-2837	77	10	of	of	ADP
ajbmeb-2837	77	11	determining	determine	VERB
ajbmeb-2837	77	12	risks	risk	NOUN
ajbmeb-2837	77	13	of	of	ADP
ajbmeb-2837	77	14	diversification	diversification	NOUN
ajbmeb-2837	77	15	of	of	ADP
ajbmeb-2837	77	16	bank	bank	NOUN
ajbmeb-2837	77	17	assets	asset	NOUN
ajbmeb-2837	77	18	statistical	statistical	ADJ
ajbmeb-2837	77	19	method	method	NOUN
ajbmeb-2837	77	20	expert	expert	NOUN
ajbmeb-2837	77	21	method	method	NOUN
ajbmeb-2837	77	22	combined	combine	VERB
ajbmeb-2837	77	23	method	method	NOUN
ajbmeb-2837	77	24	the	the	DET
ajbmeb-2837	77	25	statistics	statistic	NOUN
ajbmeb-2837	77	26	of	of	ADP
ajbmeb-2837	77	27	profits	profit	NOUN
ajbmeb-2837	77	28	and	and	CCONJ
ajbmeb-2837	77	29	losses	loss	NOUN
ajbmeb-2837	77	30	in	in	ADP
ajbmeb-2837	77	31	the	the	DET
ajbmeb-2837	77	32	activity	activity	NOUN
ajbmeb-2837	77	33	are	be	AUX
ajbmeb-2837	77	34	studied	study	VERB
ajbmeb-2837	77	35	,	,	PUNCT
ajbmeb-2837	77	36	the	the	DET
ajbmeb-2837	77	37	volume	volume	NOUN
ajbmeb-2837	77	38	and	and	CCONJ
ajbmeb-2837	77	39	period	period	NOUN
ajbmeb-2837	77	40	of	of	ADP
ajbmeb-2837	77	41	receipt	receipt	NOUN
ajbmeb-2837	77	42	of	of	ADP
ajbmeb-2837	77	43	this	this	PRON
ajbmeb-2837	77	44	or	or	CCONJ
ajbmeb-2837	77	45	that	that	SCONJ
ajbmeb-2837	77	46	economic	economic	ADJ
ajbmeb-2837	77	47	derivative	derivative	NOUN
ajbmeb-2837	77	48	(	(	PUNCT
ajbmeb-2837	77	49	return	return	NOUN
ajbmeb-2837	77	50	)	)	PUNCT
ajbmeb-2837	77	51	are	be	AUX
ajbmeb-2837	77	52	determined	determine	VERB
ajbmeb-2837	77	53	,	,	PUNCT
ajbmeb-2837	77	54	and	and	CCONJ
ajbmeb-2837	77	55	based	base	VERB
ajbmeb-2837	77	56	on	on	ADP
ajbmeb-2837	77	57	this	this	PRON
ajbmeb-2837	77	58	,	,	PUNCT
ajbmeb-2837	77	59	the	the	DET
ajbmeb-2837	77	60	most	most	ADV
ajbmeb-2837	77	61	probable	probable	ADJ
ajbmeb-2837	77	62	prospects	prospect	NOUN
ajbmeb-2837	77	63	for	for	ADP
ajbmeb-2837	77	64	the	the	DET
ajbmeb-2837	77	65	future	future	ADJ
ajbmeb-2837	77	66	period	period	NOUN
ajbmeb-2837	77	67	are	be	AUX
ajbmeb-2837	77	68	determined	determine	VERB
ajbmeb-2837	77	69	.	.	PUNCT
ajbmeb-2837	78	1	when	when	SCONJ
ajbmeb-2837	78	2	business	business	NOUN
ajbmeb-2837	78	3	owners	owner	NOUN
ajbmeb-2837	78	4	do	do	AUX
ajbmeb-2837	78	5	not	not	PART
ajbmeb-2837	78	6	have	have	VERB
ajbmeb-2837	78	7	access	access	NOUN
ajbmeb-2837	78	8	to	to	ADP
ajbmeb-2837	78	9	performance	performance	NOUN
ajbmeb-2837	78	10	indicators	indicator	NOUN
ajbmeb-2837	78	11	or	or	CCONJ
ajbmeb-2837	78	12	when	when	SCONJ
ajbmeb-2837	78	13	collecting	collect	VERB
ajbmeb-2837	78	14	and	and	CCONJ
ajbmeb-2837	78	15	calculating	calculate	VERB
ajbmeb-2837	78	16	figures	figure	NOUN
ajbmeb-2837	78	17	can	can	AUX
ajbmeb-2837	78	18	be	be	AUX
ajbmeb-2837	78	19	costly	costly	ADJ
ajbmeb-2837	78	20	and	and	CCONJ
ajbmeb-2837	78	21	data	datum	NOUN
ajbmeb-2837	78	22	is	be	AUX
ajbmeb-2837	78	23	insufficient	insufficient	ADJ
ajbmeb-2837	78	24	,	,	PUNCT
ajbmeb-2837	78	25	the	the	DET
ajbmeb-2837	78	26	expert	expert	NOUN
ajbmeb-2837	78	27	method	method	NOUN
ajbmeb-2837	78	28	of	of	ADP
ajbmeb-2837	78	29	calculating	calculate	VERB
ajbmeb-2837	78	30	the	the	DET
ajbmeb-2837	78	31	level	level	NOUN
ajbmeb-2837	78	32	of	of	ADP
ajbmeb-2837	78	33	risk	risk	NOUN
ajbmeb-2837	78	34	is	be	AUX
ajbmeb-2837	78	35	used	use	VERB
ajbmeb-2837	78	36	.	.	PUNCT
ajbmeb-2837	79	1	a	a	DET
ajbmeb-2837	79	2	combination	combination	NOUN
ajbmeb-2837	79	3	of	of	ADP
ajbmeb-2837	79	4	statistics	statistic	NOUN
ajbmeb-2837	79	5	and	and	CCONJ
ajbmeb-2837	79	6	expert	expert	ADJ
ajbmeb-2837	79	7	methods	method	NOUN
ajbmeb-2837	79	8	basic	basic	ADJ
ajbmeb-2837	79	9	elements	element	NOUN
ajbmeb-2837	79	10	of	of	ADP
ajbmeb-2837	79	11	statistical	statistical	ADJ
ajbmeb-2837	79	12	methods	method	NOUN
ajbmeb-2837	79	13	variation	variation	NOUN
ajbmeb-2837	79	14	:	:	PUNCT
ajbmeb-2837	79	15	quantitative	quantitative	ADJ
ajbmeb-2837	79	16	change	change	NOUN
ajbmeb-2837	79	17	of	of	ADP
ajbmeb-2837	79	18	the	the	DET
ajbmeb-2837	79	19	indicator	indicator	NOUN
ajbmeb-2837	79	20	when	when	SCONJ
ajbmeb-2837	79	21	moving	move	VERB
ajbmeb-2837	79	22	from	from	ADP
ajbmeb-2837	79	23	one	one	NUM
ajbmeb-2837	79	24	state	state	NOUN
ajbmeb-2837	79	25	(	(	PUNCT
ajbmeb-2837	79	26	period	period	NOUN
ajbmeb-2837	79	27	)	)	PUNCT
ajbmeb-2837	79	28	to	to	ADP
ajbmeb-2837	79	29	another	another	DET
ajbmeb-2837	79	30	dispersion	dispersion	NOUN
ajbmeb-2837	79	31	:	:	PUNCT
ajbmeb-2837	79	32	the	the	DET
ajbmeb-2837	79	33	amount	amount	NOUN
ajbmeb-2837	79	34	of	of	ADP
ajbmeb-2837	79	35	deviation	deviation	NOUN
ajbmeb-2837	79	36	of	of	ADP
ajbmeb-2837	79	37	the	the	DET
ajbmeb-2837	79	38	level	level	NOUN
ajbmeb-2837	79	39	of	of	ADP
ajbmeb-2837	79	40	an	an	DET
ajbmeb-2837	79	41	indicator	indicator	NOUN
ajbmeb-2837	79	42	for	for	ADP
ajbmeb-2837	79	43	a	a	DET
ajbmeb-2837	79	44	certain	certain	ADJ
ajbmeb-2837	79	45	period	period	NOUN
ajbmeb-2837	79	46	from	from	ADP
ajbmeb-2837	79	47	its	its	PRON
ajbmeb-2837	79	48	average	average	ADJ
ajbmeb-2837	79	49	level	level	NOUN
ajbmeb-2837	79	50	default	default	NOUN
ajbmeb-2837	79	51	limit	limit	NOUN
ajbmeb-2837	79	52	:	:	PUNCT
ajbmeb-2837	79	53	change	change	NOUN
ajbmeb-2837	79	54	of	of	ADP
ajbmeb-2837	79	55	the	the	DET
ajbmeb-2837	79	56	indicator	indicator	NOUN
ajbmeb-2837	79	57	characteristics	characteristic	NOUN
ajbmeb-2837	79	58	of	of	ADP
ajbmeb-2837	79	59	all	all	DET
ajbmeb-2837	79	60	periods	period	NOUN
ajbmeb-2837	79	61	the	the	DET
ajbmeb-2837	79	62	essence	essence	NOUN
ajbmeb-2837	79	63	of	of	ADP
ajbmeb-2837	79	64	the	the	DET
ajbmeb-2837	79	65	statistical	statistical	ADJ
ajbmeb-2837	79	66	method	method	NOUN
ajbmeb-2837	79	67	is	be	AUX
ajbmeb-2837	79	68	that	that	SCONJ
ajbmeb-2837	79	69	it	it	PRON
ajbmeb-2837	79	70	studies	study	VERB
ajbmeb-2837	79	71	the	the	DET
ajbmeb-2837	79	72	statistics	statistic	NOUN
ajbmeb-2837	79	73	of	of	ADP
ajbmeb-2837	79	74	one	one	NUM
ajbmeb-2837	79	75	or	or	CCONJ
ajbmeb-2837	79	76	another	another	DET
ajbmeb-2837	79	77	profit	profit	NOUN
ajbmeb-2837	79	78	and	and	CCONJ
ajbmeb-2837	79	79	loss	loss	NOUN
ajbmeb-2837	79	80	,	,	PUNCT
ajbmeb-2837	79	81	determines	determine	VERB
ajbmeb-2837	79	82	the	the	DET
ajbmeb-2837	79	83	volume	volume	NOUN
ajbmeb-2837	79	84	of	of	ADP
ajbmeb-2837	79	85	one	one	NUM
ajbmeb-2837	79	86	or	or	CCONJ
ajbmeb-2837	79	87	another	another	DET
ajbmeb-2837	79	88	economic	economic	ADJ
ajbmeb-2837	79	89	return	return	NOUN
ajbmeb-2837	79	90	,	,	PUNCT
ajbmeb-2837	79	91	and	and	CCONJ
ajbmeb-2837	79	92	based	base	VERB
ajbmeb-2837	79	93	on	on	ADP
ajbmeb-2837	79	94	this	this	PRON
ajbmeb-2837	79	95	,	,	PUNCT
ajbmeb-2837	79	96	determines	determine	VERB
ajbmeb-2837	79	97	the	the	DET
ajbmeb-2837	79	98	most	most	ADV
ajbmeb-2837	79	99	likely	likely	ADJ
ajbmeb-2837	79	100	prospects	prospect	NOUN
ajbmeb-2837	79	101	for	for	ADP
ajbmeb-2837	79	102	the	the	DET
ajbmeb-2837	79	103	future	future	ADJ
ajbmeb-2837	79	104	period	period	NOUN
ajbmeb-2837	79	105	.	.	PUNCT
ajbmeb-2837	80	1	the	the	DET
ajbmeb-2837	80	2	main	main	ADJ
ajbmeb-2837	80	3	tools	tool	NOUN
ajbmeb-2837	80	4	of	of	ADP
ajbmeb-2837	80	5	the	the	DET
ajbmeb-2837	80	6	statistical	statistical	ADJ
ajbmeb-2837	80	7	method	method	NOUN
ajbmeb-2837	80	8	of	of	ADP
ajbmeb-2837	80	9	risk	risk	NOUN
ajbmeb-2837	80	10	calculation	calculation	NOUN
ajbmeb-2837	80	11	are	be	AUX
ajbmeb-2837	80	12	as	as	SCONJ
ajbmeb-2837	80	13	follows	follow	VERB
ajbmeb-2837	80	14	:	:	PUNCT
ajbmeb-2837	80	15	•	•	NUM
ajbmeb-2837	80	16	variation	variation	NOUN
ajbmeb-2837	80	17	;	;	PUNCT
ajbmeb-2837	80	18	•	•	NUM
ajbmeb-2837	80	19	dispersion	dispersion	NOUN
ajbmeb-2837	80	20	;	;	PUNCT
ajbmeb-2837	80	21	•	•	NUM
ajbmeb-2837	80	22	default	default	NOUN
ajbmeb-2837	80	23	limit	limit	NOUN
ajbmeb-2837	80	24	.	.	PUNCT
ajbmeb-2837	81	1	conclusions	conclusion	NOUN
ajbmeb-2837	81	2	and	and	CCONJ
ajbmeb-2837	81	3	suggestions	suggestion	NOUN
ajbmeb-2837	81	4	the	the	DET
ajbmeb-2837	81	5	change	change	NOUN
ajbmeb-2837	81	6	in	in	ADP
ajbmeb-2837	81	7	the	the	DET
ajbmeb-2837	81	8	quantitative	quantitative	ADJ
ajbmeb-2837	81	9	assessment	assessment	NOUN
ajbmeb-2837	81	10	of	of	ADP
ajbmeb-2837	81	11	a	a	DET
ajbmeb-2837	81	12	characteristic	characteristic	NOUN
ajbmeb-2837	81	13	when	when	SCONJ
ajbmeb-2837	81	14	moving	move	VERB
ajbmeb-2837	81	15	from	from	ADP
ajbmeb-2837	81	16	one	one	NUM
ajbmeb-2837	81	17	situation	situation	NOUN
ajbmeb-2837	81	18	to	to	ADP
ajbmeb-2837	81	19	another	another	PRON
ajbmeb-2837	81	20	is	be	AUX
ajbmeb-2837	81	21	called	call	VERB
ajbmeb-2837	81	22	variation	variation	NOUN
ajbmeb-2837	81	23	.	.	PUNCT
ajbmeb-2837	82	1	an	an	DET
ajbmeb-2837	82	2	example	example	NOUN
ajbmeb-2837	82	3	of	of	ADP
ajbmeb-2837	82	4	this	this	PRON
ajbmeb-2837	82	5	is	be	AUX
ajbmeb-2837	82	6	the	the	DET
ajbmeb-2837	82	7	change	change	NOUN
ajbmeb-2837	82	8	in	in	ADP
ajbmeb-2837	82	9	economic	economic	ADJ
ajbmeb-2837	82	10	profitability	profitability	NOUN
ajbmeb-2837	82	11	from	from	ADP
ajbmeb-2837	82	12	year	year	NOUN
ajbmeb-2837	82	13	to	to	ADP
ajbmeb-2837	82	14	year	year	NOUN
ajbmeb-2837	82	15	.	.	PUNCT
ajbmeb-2837	83	1	the	the	DET
ajbmeb-2837	83	2	variance	variance	NOUN
ajbmeb-2837	83	3	is	be	AUX
ajbmeb-2837	83	4	estimated	estimate	VERB
ajbmeb-2837	83	5	by	by	ADP
ajbmeb-2837	83	6	the	the	DET
ajbmeb-2837	83	7	difference	difference	NOUN
ajbmeb-2837	83	8	between	between	ADP
ajbmeb-2837	83	9	the	the	DET
ajbmeb-2837	83	10	actual	actual	ADJ
ajbmeb-2837	83	11	level	level	NOUN
ajbmeb-2837	83	12	of	of	ADP
ajbmeb-2837	83	13	the	the	DET
ajbmeb-2837	83	14	characteristic	characteristic	NOUN
ajbmeb-2837	83	15	and	and	CCONJ
ajbmeb-2837	83	16	its	its	PRON
ajbmeb-2837	83	17	average	average	ADJ
ajbmeb-2837	83	18	level	level	NOUN
ajbmeb-2837	83	19	with	with	ADP
ajbmeb-2837	83	20	a	a	DET
ajbmeb-2837	83	21	standard	standard	ADJ
ajbmeb-2837	83	22	deviation	deviation	NOUN
ajbmeb-2837	83	23	.	.	PUNCT
ajbmeb-2837	84	1	it	it	PRON
ajbmeb-2837	84	2	should	should	AUX
ajbmeb-2837	84	3	be	be	AUX
ajbmeb-2837	84	4	noted	note	VERB
ajbmeb-2837	84	5	that	that	SCONJ
ajbmeb-2837	84	6	if	if	SCONJ
ajbmeb-2837	84	7	these	these	DET
ajbmeb-2837	84	8	indicators	indicator	NOUN
ajbmeb-2837	84	9	(	(	PUNCT
ajbmeb-2837	84	10	variance	variance	NOUN
ajbmeb-2837	84	11	and	and	CCONJ
ajbmeb-2837	84	12	standard	standard	ADJ
ajbmeb-2837	84	13	deviation	deviation	NOUN
ajbmeb-2837	84	14	)	)	PUNCT
ajbmeb-2837	84	15	are	be	AUX
ajbmeb-2837	84	16	considered	consider	VERB
ajbmeb-2837	84	17	absolute	absolute	ADJ
ajbmeb-2837	84	18	criteria	criterion	NOUN
ajbmeb-2837	84	19	in	in	ADP
ajbmeb-2837	84	20	assessing	assess	VERB
ajbmeb-2837	84	21	risk	risk	NOUN
ajbmeb-2837	84	22	,	,	PUNCT
ajbmeb-2837	84	23	then	then	ADV
ajbmeb-2837	84	24	the	the	DET
ajbmeb-2837	84	25	coefficient	coefficient	NOUN
ajbmeb-2837	84	26	of	of	ADP
ajbmeb-2837	84	27	variation	variation	NOUN
ajbmeb-2837	84	28	is	be	AUX
ajbmeb-2837	84	29	its	its	PRON
ajbmeb-2837	84	30	relative	relative	ADJ
ajbmeb-2837	84	31	criterion	criterion	NOUN
ajbmeb-2837	84	32	.	.	PUNCT
ajbmeb-2837	85	1	for	for	ADP
ajbmeb-2837	85	2	these	these	DET
ajbmeb-2837	85	3	reasons	reason	NOUN
ajbmeb-2837	85	4	,	,	PUNCT
ajbmeb-2837	85	5	if	if	SCONJ
ajbmeb-2837	85	6	there	there	PRON
ajbmeb-2837	85	7	is	be	VERB
ajbmeb-2837	85	8	insufficient	insufficient	ADJ
ajbmeb-2837	85	9	or	or	CCONJ
ajbmeb-2837	85	10	no	no	DET
ajbmeb-2837	85	11	data	datum	NOUN
ajbmeb-2837	85	12	,	,	PUNCT
ajbmeb-2837	85	13	other	other	ADJ
ajbmeb-2837	85	14	methods	method	NOUN
ajbmeb-2837	85	15	of	of	ADP
ajbmeb-2837	85	16	calculating	calculate	VERB
ajbmeb-2837	85	17	the	the	DET
ajbmeb-2837	85	18	risk	risk	NOUN
ajbmeb-2837	85	19	level	level	NOUN
ajbmeb-2837	85	20	are	be	AUX
ajbmeb-2837	85	21	used	use	VERB
ajbmeb-2837	85	22	.	.	PUNCT
ajbmeb-2837	86	1	one	one	NUM
ajbmeb-2837	86	2	of	of	ADP
ajbmeb-2837	86	3	such	such	ADJ
ajbmeb-2837	86	4	methods	method	NOUN
ajbmeb-2837	86	5	is	be	AUX
ajbmeb-2837	86	6	the	the	DET
ajbmeb-2837	86	7	expert	expert	ADJ
ajbmeb-2837	86	8	method	method	NOUN
ajbmeb-2837	86	9	.	.	PUNCT
ajbmeb-2837	87	1	when	when	SCONJ
ajbmeb-2837	87	2	using	use	VERB
ajbmeb-2837	87	3	the	the	DET
ajbmeb-2837	87	4	expert	expert	ADJ
ajbmeb-2837	87	5	method	method	NOUN
ajbmeb-2837	87	6	to	to	PART
ajbmeb-2837	87	7	calculate	calculate	VERB
ajbmeb-2837	87	8	the	the	DET
ajbmeb-2837	87	9	risk	risk	NOUN
ajbmeb-2837	87	10	level	level	NOUN
ajbmeb-2837	87	11	,	,	PUNCT
ajbmeb-2837	87	12	the	the	DET
ajbmeb-2837	87	13	opinions	opinion	NOUN
ajbmeb-2837	87	14	of	of	ADP
ajbmeb-2837	87	15	experienced	experienced	ADJ
ajbmeb-2837	87	16	businessmen	businessman	NOUN
ajbmeb-2837	87	17	and	and	CCONJ
ajbmeb-2837	87	18	specialists	specialist	NOUN
ajbmeb-2837	87	19	are	be	AUX
ajbmeb-2837	87	20	taken	take	VERB
ajbmeb-2837	87	21	into	into	ADP
ajbmeb-2837	87	22	account	account	NOUN
ajbmeb-2837	87	23	.	.	PUNCT
ajbmeb-2837	88	1	in	in	ADP
ajbmeb-2837	88	2	this	this	DET
ajbmeb-2837	88	3	process	process	NOUN
ajbmeb-2837	88	4	,	,	PUNCT
ajbmeb-2837	88	5	it	it	PRON
ajbmeb-2837	88	6	is	be	AUX
ajbmeb-2837	88	7	advisable	advisable	ADJ
ajbmeb-2837	88	8	for	for	SCONJ
ajbmeb-2837	88	9	experts	expert	NOUN
ajbmeb-2837	88	10	to	to	PART
ajbmeb-2837	88	11	use	use	VERB
ajbmeb-2837	88	12	exact	exact	ADJ
ajbmeb-2837	88	13	figures	figure	NOUN
ajbmeb-2837	88	14	on	on	ADP
ajbmeb-2837	88	15	the	the	DET
ajbmeb-2837	88	16	probability	probability	NOUN
ajbmeb-2837	88	17	of	of	ADP
ajbmeb-2837	88	18	the	the	DET
ajbmeb-2837	88	19	occurrence	occurrence	NOUN
ajbmeb-2837	88	20	of	of	ADP
ajbmeb-2837	88	21	potential	potential	ADJ
ajbmeb-2837	88	22	losses	loss	NOUN
ajbmeb-2837	88	23	when	when	SCONJ
ajbmeb-2837	88	24	expressing	express	VERB
ajbmeb-2837	88	25	their	their	PRON
ajbmeb-2837	88	26	opinions	opinion	NOUN
ajbmeb-2837	88	27	.	.	PUNCT
ajbmeb-2837	89	1	at	at	ADP
ajbmeb-2837	89	2	the	the	DET
ajbmeb-2837	89	3	same	same	ADJ
ajbmeb-2837	89	4	time	time	NOUN
ajbmeb-2837	89	5	,	,	PUNCT
ajbmeb-2837	89	6	a	a	DET
ajbmeb-2837	89	7	combination	combination	NOUN
ajbmeb-2837	89	8	of	of	ADP
ajbmeb-2837	89	9	statistical	statistical	ADJ
ajbmeb-2837	89	10	and	and	CCONJ
ajbmeb-2837	89	11	expert	expert	ADJ
ajbmeb-2837	89	12	methods	method	NOUN
ajbmeb-2837	89	13	of	of	ADP
ajbmeb-2837	89	14	determining	determine	VERB
ajbmeb-2837	89	15	the	the	DET
ajbmeb-2837	89	16	risk	risk	NOUN
ajbmeb-2837	89	17	level	level	NOUN
ajbmeb-2837	89	18	is	be	AUX
ajbmeb-2837	89	19	the	the	DET
ajbmeb-2837	89	20	most	most	ADV
ajbmeb-2837	89	21	convenient	convenient	ADJ
ajbmeb-2837	89	22	option	option	NOUN
ajbmeb-2837	89	23	that	that	PRON
ajbmeb-2837	89	24	should	should	AUX
ajbmeb-2837	89	25	be	be	AUX
ajbmeb-2837	89	26	used	use	VERB
ajbmeb-2837	89	27	in	in	ADP
ajbmeb-2837	89	28	practice	practice	NOUN
ajbmeb-2837	89	29	.	.	PUNCT
ajbmeb-2837	90	1	as	as	SCONJ
ajbmeb-2837	90	2	noted	note	VERB
ajbmeb-2837	90	3	above	above	ADV
ajbmeb-2837	90	4	,	,	PUNCT
ajbmeb-2837	90	5	determining	determine	VERB
ajbmeb-2837	90	6	the	the	DET
ajbmeb-2837	90	7	level	level	NOUN
ajbmeb-2837	90	8	of	of	ADP
ajbmeb-2837	90	9	risk	risk	NOUN
ajbmeb-2837	90	10	is	be	AUX
ajbmeb-2837	90	11	of	of	ADP
ajbmeb-2837	90	12	great	great	ADJ
ajbmeb-2837	90	13	importance	importance	NOUN
ajbmeb-2837	90	14	in	in	ADP
ajbmeb-2837	90	15	making	make	VERB
ajbmeb-2837	90	16	investment	investment	NOUN
ajbmeb-2837	90	17	decisions	decision	NOUN
ajbmeb-2837	90	18	.	.	PUNCT
ajbmeb-2837	91	1	making	make	VERB
ajbmeb-2837	91	2	(	(	PUNCT
ajbmeb-2837	91	3	choosing	choose	VERB
ajbmeb-2837	91	4	)	)	PUNCT
ajbmeb-2837	91	5	an	an	DET
ajbmeb-2837	91	6	investment	investment	NOUN
ajbmeb-2837	91	7	decision	decision	NOUN
ajbmeb-2837	91	8	depends	depend	VERB
ajbmeb-2837	91	9	not	not	PART
ajbmeb-2837	91	10	only	only	ADV
ajbmeb-2837	91	11	on	on	ADP
ajbmeb-2837	91	12	the	the	DET
ajbmeb-2837	91	13	economic	economic	ADJ
ajbmeb-2837	91	14	return	return	NOUN
ajbmeb-2837	91	15	,	,	PUNCT
ajbmeb-2837	91	16	but	but	CCONJ
ajbmeb-2837	91	17	also	also	ADV
ajbmeb-2837	91	18	on	on	ADP
ajbmeb-2837	91	19	the	the	DET
ajbmeb-2837	91	20	level	level	NOUN
ajbmeb-2837	91	21	of	of	ADP
ajbmeb-2837	91	22	risk	risk	NOUN
ajbmeb-2837	91	23	.	.	PUNCT
ajbmeb-2837	92	1	the	the	DET
ajbmeb-2837	92	2	essence	essence	NOUN
ajbmeb-2837	92	3	of	of	ADP
ajbmeb-2837	92	4	this	this	DET
ajbmeb-2837	92	5	approach	approach	NOUN
ajbmeb-2837	92	6	is	be	AUX
ajbmeb-2837	92	7	that	that	SCONJ
ajbmeb-2837	92	8	if	if	SCONJ
ajbmeb-2837	92	9	the	the	DET
ajbmeb-2837	92	10	return	return	NOUN
ajbmeb-2837	92	11	on	on	ADP
ajbmeb-2837	92	12	the	the	DET
ajbmeb-2837	92	13	first	first	ADJ
ajbmeb-2837	92	14	project	project	NOUN
ajbmeb-2837	92	15	(	(	PUNCT
ajbmeb-2837	92	16	type	type	NOUN
ajbmeb-2837	92	17	of	of	ADP
ajbmeb-2837	92	18	activity	activity	NOUN
ajbmeb-2837	92	19	)	)	PUNCT
ajbmeb-2837	92	20	increases	increase	NOUN
ajbmeb-2837	92	21	,	,	PUNCT
ajbmeb-2837	92	22	it	it	PRON
ajbmeb-2837	92	23	is	be	AUX
ajbmeb-2837	92	24	necessary	necessary	ADJ
ajbmeb-2837	92	25	to	to	PART
ajbmeb-2837	92	26	take	take	VERB
ajbmeb-2837	92	27	into	into	ADP
ajbmeb-2837	92	28	account	account	NOUN
ajbmeb-2837	92	29	how	how	SCONJ
ajbmeb-2837	92	30	the	the	DET
ajbmeb-2837	92	31	return	return	NOUN
ajbmeb-2837	92	32	on	on	ADP
ajbmeb-2837	92	33	the	the	DET
ajbmeb-2837	92	34	second	second	ADJ
ajbmeb-2837	92	35	project	project	NOUN
ajbmeb-2837	92	36	(	(	PUNCT
ajbmeb-2837	92	37	type	type	NOUN
ajbmeb-2837	92	38	of	of	ADP
ajbmeb-2837	92	39	activity	activity	NOUN
ajbmeb-2837	92	40	)	)	PUNCT
ajbmeb-2837	92	41	changes	change	NOUN
ajbmeb-2837	92	42	.	.	PUNCT
ajbmeb-2837	93	1	in	in	ADP
ajbmeb-2837	93	2	order	order	NOUN
ajbmeb-2837	93	3	to	to	PART
ajbmeb-2837	93	4	reduce	reduce	VERB
ajbmeb-2837	93	5	the	the	DET
ajbmeb-2837	93	6	level	level	NOUN
ajbmeb-2837	93	7	of	of	ADP
ajbmeb-2837	93	8	risk	risk	NOUN
ajbmeb-2837	93	9	,	,	PUNCT
ajbmeb-2837	93	10	it	it	PRON
ajbmeb-2837	93	11	is	be	AUX
ajbmeb-2837	93	12	necessary	necessary	ADJ
ajbmeb-2837	93	13	to	to	PART
ajbmeb-2837	93	14	select	select	VERB
ajbmeb-2837	93	15	such	such	ADJ
ajbmeb-2837	93	16	products	product	NOUN
ajbmeb-2837	93	17	(	(	PUNCT
ajbmeb-2837	93	18	services	service	NOUN
ajbmeb-2837	93	19	)	)	PUNCT
ajbmeb-2837	93	20	for	for	ADP
ajbmeb-2837	93	21	production	production	NOUN
ajbmeb-2837	93	22	,	,	PUNCT
ajbmeb-2837	93	23	the	the	DET
ajbmeb-2837	93	24	demand	demand	NOUN
ajbmeb-2837	93	25	for	for	ADP
ajbmeb-2837	93	26	which	which	PRON
ajbmeb-2837	93	27	changes	change	NOUN
ajbmeb-2837	93	28	in	in	ADP
ajbmeb-2837	93	29	opposite	opposite	ADJ
ajbmeb-2837	93	30	directions	direction	NOUN
ajbmeb-2837	93	31	,	,	PUNCT
ajbmeb-2837	93	32	that	that	ADV
ajbmeb-2837	93	33	is	is	ADV
ajbmeb-2837	93	34	,	,	PUNCT
ajbmeb-2837	93	35	when	when	SCONJ
ajbmeb-2837	93	36	the	the	DET
ajbmeb-2837	93	37	demand	demand	NOUN
ajbmeb-2837	93	38	for	for	ADP
ajbmeb-2837	93	39	one	one	NUM
ajbmeb-2837	93	40	product	product	NOUN
ajbmeb-2837	93	41	increases	increase	NOUN
ajbmeb-2837	93	42	,	,	PUNCT
ajbmeb-2837	93	43	american	american	ADJ
ajbmeb-2837	93	44	journal	journal	PROPN
ajbmeb-2837	93	45	of	of	ADP
ajbmeb-2837	93	46	business	business	NOUN
ajbmeb-2837	93	47	management	management	NOUN
ajbmeb-2837	93	48	,	,	PUNCT
ajbmeb-2837	93	49	economics	economic	NOUN
ajbmeb-2837	93	50	and	and	CCONJ
ajbmeb-2837	93	51	banking	banking	NOUN
ajbmeb-2837	93	52	volume	volume	NOUN
ajbmeb-2837	93	53	35	35	NUM
ajbmeb-2837	93	54	april	april	PROPN
ajbmeb-2837	93	55	2025	2025	NUM
ajbmeb-2837	93	56	p	p	NOUN
ajbmeb-2837	93	57	a	a	DET
ajbmeb-2837	93	58	g	g	NOUN
ajbmeb-2837	93	59	e	e	NOUN
ajbmeb-2837	93	60	|	|	NOUN
ajbmeb-2837	93	61	12	12	NUM
ajbmeb-2837	93	62	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2837	93	63	the	the	DET
ajbmeb-2837	93	64	demand	demand	NOUN
ajbmeb-2837	93	65	for	for	ADP
ajbmeb-2837	93	66	the	the	DET
ajbmeb-2837	93	67	second	second	ADJ
ajbmeb-2837	93	68	product	product	NOUN
ajbmeb-2837	93	69	decreases	decrease	VERB
ajbmeb-2837	93	70	and	and	CCONJ
ajbmeb-2837	93	71	vice	vice	NOUN
ajbmeb-2837	93	72	versa	versa	ADV
ajbmeb-2837	93	73	.	.	PUNCT
ajbmeb-2837	94	1	as	as	SCONJ
ajbmeb-2837	94	2	we	we	PRON
ajbmeb-2837	94	3	can	can	AUX
ajbmeb-2837	94	4	see	see	VERB
ajbmeb-2837	94	5	,	,	PUNCT
ajbmeb-2837	94	6	it	it	PRON
ajbmeb-2837	94	7	is	be	AUX
ajbmeb-2837	94	8	advisable	advisable	ADJ
ajbmeb-2837	94	9	to	to	PART
ajbmeb-2837	94	10	use	use	VERB
ajbmeb-2837	94	11	a	a	DET
ajbmeb-2837	94	12	combined	combine	VERB
ajbmeb-2837	94	13	method	method	NOUN
ajbmeb-2837	94	14	in	in	ADP
ajbmeb-2837	94	15	assessing	assess	VERB
ajbmeb-2837	94	16	and	and	CCONJ
ajbmeb-2837	94	17	identifying	identify	VERB
ajbmeb-2837	94	18	risks	risk	NOUN
ajbmeb-2837	94	19	,	,	PUNCT
ajbmeb-2837	94	20	that	that	ADV
ajbmeb-2837	94	21	is	is	ADV
ajbmeb-2837	94	22	,	,	PUNCT
ajbmeb-2837	94	23	the	the	DET
ajbmeb-2837	94	24	statistical	statistical	ADJ
ajbmeb-2837	94	25	and	and	CCONJ
ajbmeb-2837	94	26	expert	expert	ADJ
ajbmeb-2837	94	27	methods	method	NOUN
ajbmeb-2837	94	28	and	and	CCONJ
ajbmeb-2837	94	29	their	their	PRON
ajbmeb-2837	94	30	main	main	ADJ
ajbmeb-2837	94	31	tools	tool	NOUN
ajbmeb-2837	94	32	.	.	PUNCT
ajbmeb-2837	95	1	it	it	PRON
ajbmeb-2837	95	2	should	should	AUX
ajbmeb-2837	95	3	be	be	AUX
ajbmeb-2837	95	4	noted	note	VERB
ajbmeb-2837	95	5	that	that	SCONJ
ajbmeb-2837	95	6	the	the	DET
ajbmeb-2837	95	7	effectiveness	effectiveness	NOUN
ajbmeb-2837	95	8	of	of	ADP
ajbmeb-2837	95	9	the	the	DET
ajbmeb-2837	95	10	expert	expert	NOUN
ajbmeb-2837	95	11	method	method	NOUN
ajbmeb-2837	95	12	in	in	ADP
ajbmeb-2837	95	13	risk	risk	NOUN
ajbmeb-2837	95	14	assessment	assessment	NOUN
ajbmeb-2837	95	15	is	be	AUX
ajbmeb-2837	95	16	determined	determine	VERB
ajbmeb-2837	95	17	primarily	primarily	ADV
ajbmeb-2837	95	18	by	by	ADP
ajbmeb-2837	95	19	the	the	DET
ajbmeb-2837	95	20	level	level	NOUN
ajbmeb-2837	95	21	of	of	ADP
ajbmeb-2837	95	22	experts	expert	NOUN
ajbmeb-2837	95	23	,	,	PUNCT
ajbmeb-2837	95	24	so	so	CCONJ
ajbmeb-2837	95	25	the	the	DET
ajbmeb-2837	95	26	main	main	ADJ
ajbmeb-2837	95	27	criteria	criterion	NOUN
ajbmeb-2837	95	28	for	for	ADP
ajbmeb-2837	95	29	this	this	DET
ajbmeb-2837	95	30	method	method	NOUN
ajbmeb-2837	95	31	are	be	AUX
ajbmeb-2837	95	32	the	the	DET
ajbmeb-2837	95	33	involvement	involvement	NOUN
ajbmeb-2837	95	34	of	of	ADP
ajbmeb-2837	95	35	highly	highly	ADV
ajbmeb-2837	95	36	qualified	qualified	ADJ
ajbmeb-2837	95	37	experts	expert	NOUN
ajbmeb-2837	95	38	in	in	ADP
ajbmeb-2837	95	39	the	the	DET
ajbmeb-2837	95	40	risk	risk	NOUN
ajbmeb-2837	95	41	assessment	assessment	NOUN
ajbmeb-2837	95	42	process	process	NOUN
ajbmeb-2837	95	43	and	and	CCONJ
ajbmeb-2837	95	44	the	the	DET
ajbmeb-2837	95	45	use	use	NOUN
ajbmeb-2837	95	46	of	of	ADP
ajbmeb-2837	95	47	specific	specific	ADJ
ajbmeb-2837	95	48	models	model	NOUN
ajbmeb-2837	95	49	.	.	PUNCT
ajbmeb-2837	96	1	references	reference	NOUN
ajbmeb-2837	96	2	1	1	NUM
ajbmeb-2837	96	3	.	.	PROPN
ajbmeb-2837	96	4	birch	birch	PROPN
ajbmeb-2837	96	5	carl	carl	PROPN
ajbmeb-2837	96	6	.	.	PROPN
ajbmeb-2837	97	1	risk	risk	NOUN
ajbmeb-2837	97	2	appetite	appetite	NOUN
ajbmeb-2837	97	3	:	:	PUNCT
ajbmeb-2837	97	4	"	"	PUNCT
ajbmeb-2837	97	5	do	do	AUX
ajbmeb-2837	97	6	n't	not	PART
ajbmeb-2837	97	7	bite	bite	VERB
ajbmeb-2837	97	8	off	off	ADP
ajbmeb-2837	97	9	more	more	ADJ
ajbmeb-2837	97	10	than	than	SCONJ
ajbmeb-2837	97	11	you	you	PRON
ajbmeb-2837	97	12	can	can	AUX
ajbmeb-2837	97	13	chew	chew	VERB
ajbmeb-2837	97	14	.	.	PUNCT
ajbmeb-2837	97	15	"	"	PUNCT
ajbmeb-2837	98	1	[	[	X
ajbmeb-2837	98	2	electronic	electronic	ADJ
ajbmeb-2837	98	3	resource	resource	NOUN
ajbmeb-2837	98	4	]	]	PUNCT
ajbmeb-2837	98	5	.	.	PUNCT
ajbmeb-2837	99	1	access	access	NOUN
ajbmeb-2837	99	2	mode	mode	PROPN
ajbmeb-2837	99	3	:	:	PUNCT
ajbmeb-2837	99	4	https://www.cfin.ru/finanalysis/risk/risk_appetite.shtml	https://www.cfin.ru/finanalysis/risk/risk_appetite.shtml	PROPN
ajbmeb-2837	99	5	2	2	X
ajbmeb-2837	99	6	.	.	PUNCT
ajbmeb-2837	99	7	igor	igor	PROPN
ajbmeb-2837	99	8	tarasov	tarasov	PROPN
ajbmeb-2837	99	9	risk	risk	NOUN
ajbmeb-2837	99	10	appetite	appetite	NOUN
ajbmeb-2837	99	11	[	[	X
ajbmeb-2837	99	12	electronic	electronic	ADJ
ajbmeb-2837	99	13	resource	resource	NOUN
ajbmeb-2837	99	14	]	]	PUNCT
ajbmeb-2837	99	15	.	.	PUNCT
ajbmeb-2837	100	1	access	access	NOUN
ajbmeb-2837	100	2	mode	mode	PROPN
ajbmeb-2837	100	3	:	:	PUNCT
ajbmeb-2837	100	4	https://upravlenieriskami.ru/риск-аппетит/	https://upravlenieriskami.ru/риск-аппетит/	NOUN
ajbmeb-2837	101	1	3	3	NUM
ajbmeb-2837	101	2	.	.	PUNCT
ajbmeb-2837	102	1	lavrushin	lavrushin	PROPN
ajbmeb-2837	102	2	o.i	o.i	PROPN
ajbmeb-2837	102	3	.	.	PROPN
ajbmeb-2837	102	4	banking	banking	NOUN
ajbmeb-2837	102	5	.	.	PUNCT
ajbmeb-2837	103	1	textbook	textbook	NOUN
ajbmeb-2837	103	2	.	.	PUNCT
ajbmeb-2837	104	1	m	m	VERB
ajbmeb-2837	104	2	.	.	PUNCT
ajbmeb-2837	104	3	:	:	PUNCT
ajbmeb-2837	105	1	knorus	knorus	PROPN
ajbmeb-2837	105	2	,	,	PUNCT
ajbmeb-2837	105	3	2016	2016	NUM
ajbmeb-2837	105	4	.	.	PUNCT
ajbmeb-2837	106	1	p.	p.	NOUN
ajbmeb-2837	106	2	345	345	NUM
ajbmeb-2837	106	3	-	-	SYM
ajbmeb-2837	106	4	346	346	NUM
ajbmeb-2837	106	5	.	.	PUNCT
ajbmeb-2837	106	6	4	4	NUM
ajbmeb-2837	106	7	.	.	X
ajbmeb-2837	106	8	skinner	skinner	PROPN
ajbmeb-2837	106	9	k.	k.	PROPN
ajbmeb-2837	107	1	the	the	DET
ajbmeb-2837	107	2	future	future	NOUN
ajbmeb-2837	107	3	of	of	ADP
ajbmeb-2837	107	4	banking	banking	NOUN
ajbmeb-2837	107	5	.	.	PUNCT
ajbmeb-2837	108	1	translated	translate	VERB
ajbmeb-2837	108	2	from	from	ADP
ajbmeb-2837	108	3	english	english	PROPN
ajbmeb-2837	108	4	.	.	PUNCT
ajbmeb-2837	109	1	–	–	PUNCT
ajbmeb-2837	109	2	minsk	minsk	PROPN
ajbmeb-2837	109	3	:	:	PUNCT
ajbmeb-2837	109	4	grevtsov	grevtsov	NOUN
ajbmeb-2837	109	5	publisher	publisher	NOUN
ajbmeb-2837	109	6	,	,	PUNCT
ajbmeb-2837	109	7	2009	2009	NUM
ajbmeb-2837	109	8	.	.	PUNCT
ajbmeb-2837	110	1	–	–	PUNCT
ajbmeb-2837	110	2	p.	p.	NOUN
ajbmeb-2837	110	3	294	294	NUM
ajbmeb-2837	110	4	5	5	NUM
ajbmeb-2837	110	5	.	.	PUNCT
ajbmeb-2837	110	6	http://el.tfi.uz/images/bank_risklarini_norboev_bm_uz_10b32.pdf	http://el.tfi.uz/images/bank_risklarini_norboev_bm_uz_10b32.pdf	PROPN
ajbmeb-2837	110	7	6	6	NUM
ajbmeb-2837	110	8	.	.	PUNCT
ajbmeb-2837	111	1	http://el.tfi.uz/pdf/bank%20risklari.pdf#1	http://el.tfi.uz/pdf/bank%20risklari.pdf#1	NOUN
ajbmeb-2837	111	2	7	7	NUM
ajbmeb-2837	111	3	.	.	PUNCT
ajbmeb-2837	111	4	http://el.tfi.uz/images/xamidov_md_uz_1bc80.pdf	http://el.tfi.uz/images/xamidov_md_uz_1bc80.pdf	NOUN
ajbmeb-2837	111	5	8	8	NUM
ajbmeb-2837	111	6	.	.	PUNCT
ajbmeb-2837	112	1	http://el.tfi.uz/images/bank_ishi_abdullayev_yo._va_boshq_2010_65b15.pdf#3	http://el.tfi.uz/images/bank_ishi_abdullayev_yo._va_boshq_2010_65b15.pdf#3	NUM
ajbmeb-2837	112	2	9	9	NUM
ajbmeb-2837	112	3	.	.	PUNCT
ajbmeb-2837	113	1	https://hozir.org/pars_dos/refs/39/38866/38866.pdf6.https://arm.tdpushf.uz/kitoblar/fayl_2018_2	https://hozir.org/pars_dos/refs/39/38866/38866.pdf6.https://arm.tdpushf.uz/kitoblar/fayl_2018_2	PROPN
ajbmeb-2837	113	2	0211007.pdf	0211007.pdf	PROPN
ajbmeb-2837	113	3	https://www.cfin.ru/finanalysis/risk/risk_appetite.shtml	https://www.cfin.ru/finanalysis/risk/risk_appetite.shtml	PROPN
ajbmeb-2837	114	1	https://upravlenie-riskami.ru/риск-аппетит/	https://upravlenie-riskami.ru/риск-аппетит/	PROPN
ajbmeb-2837	114	2	https://upravlenie-riskami.ru/риск-аппетит/	https://upravlenie-riskami.ru/риск-аппетит/	PROPN
ajbmeb-2837	114	3	http://el.tfi.uz/images/bank_risklarini_norboev_bm_uz_10b32.pdf	http://el.tfi.uz/images/bank_risklarini_norboev_bm_uz_10b32.pdf	PROPN
ajbmeb-2837	114	4	http://el.tfi.uz/pdf/bank%20risklari.pdf#1	http://el.tfi.uz/pdf/bank%20risklari.pdf#1	NOUN
ajbmeb-2837	114	5	http://el.tfi.uz/images/xamidov_md_uz_1bc80.pdf	http://el.tfi.uz/images/xamidov_md_uz_1bc80.pdf	PROPN
ajbmeb-2837	114	6	http://el.tfi.uz/images/bank_ishi_abdullayev_yo._va_boshq_2010_65b15.pdf#3	http://el.tfi.uz/images/bank_ishi_abdullayev_yo._va_boshq_2010_65b15.pdf#3	NUM
ajbmeb-2837	114	7	https://hozir.org/pars_dos/refs/39/38866/38866.pdf6.https:/arm.tdpushf.uz/kitoblar/fayl_2018_20211007.pdf	https://hozir.org/pars_dos/refs/39/38866/38866.pdf6.https:/arm.tdpushf.uz/kitoblar/fayl_2018_20211007.pdf	PROPN
ajbmeb-2837	114	8	https://hozir.org/pars_dos/refs/39/38866/38866.pdf6.https:/arm.tdpushf.uz/kitoblar/fayl_2018_20211007.pdf	https://hozir.org/pars_dos/refs/39/38866/38866.pdf6.https:/arm.tdpushf.uz/kitoblar/fayl_2018_20211007.pdf	PROPN