id	sid	tid	token	lemma	pos
ajbmeb-2953	1	1	american	american	PROPN
ajbmeb-2953	1	2	journal	journal	PROPN
ajbmeb-2953	1	3	of	of	ADP
ajbmeb-2953	1	4	business	business	NOUN
ajbmeb-2953	1	5	management	management	NOUN
ajbmeb-2953	1	6	,	,	PUNCT
ajbmeb-2953	1	7	economics	economic	NOUN
ajbmeb-2953	1	8	and	and	CCONJ
ajbmeb-2953	1	9	banking	banking	NOUN
ajbmeb-2953	1	10	issn	issn	PROPN
ajbmeb-2953	1	11	(	(	PUNCT
ajbmeb-2953	1	12	e	e	NOUN
ajbmeb-2953	1	13	):	):	PUNCT
ajbmeb-2953	1	14	2832	2832	NUM
ajbmeb-2953	1	15	-	-	SYM
ajbmeb-2953	1	16	8078	8078	NUM
ajbmeb-2953	1	17	volume	volume	NOUN
ajbmeb-2953	1	18	36	36	NUM
ajbmeb-2953	1	19	,	,	PUNCT
ajbmeb-2953	1	20	may	may	AUX
ajbmeb-2953	1	21	2025	2025	NUM
ajbmeb-2953	1	22	p	p	NOUN
ajbmeb-2953	1	23	a	a	DET
ajbmeb-2953	1	24	g	g	NOUN
ajbmeb-2953	1	25	e	e	NOUN
ajbmeb-2953	1	26	|	|	ADV
ajbmeb-2953	1	27	55	55	NUM
ajbmeb-2953	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2953	1	29	improvement	improvement	NOUN
ajbmeb-2953	1	30	of	of	ADP
ajbmeb-2953	1	31	the	the	DET
ajbmeb-2953	1	32	assessment	assessment	NOUN
ajbmeb-2953	1	33	of	of	ADP
ajbmeb-2953	1	34	companies	company	NOUN
ajbmeb-2953	1	35	'	'	PART
ajbmeb-2953	1	36	credit	credit	NOUN
ajbmeb-2953	1	37	worthiness	worthiness	NOUN
ajbmeb-2953	1	38	as	as	ADP
ajbmeb-2953	1	39	a	a	DET
ajbmeb-2953	1	40	priority	priority	NOUN
ajbmeb-2953	1	41	direction	direction	NOUN
ajbmeb-2953	1	42	of	of	ADP
ajbmeb-2953	1	43	lending	lend	VERB
ajbmeb-2953	1	44	their	their	PRON
ajbmeb-2953	1	45	foreign	foreign	ADJ
ajbmeb-2953	1	46	trade	trade	NOUN
ajbmeb-2953	1	47	activities	activity	NOUN
ajbmeb-2953	1	48	marifat	marifat	PROPN
ajbmeb-2953	1	49	ibodullaeva	ibodullaeva	PROPN
ajbmeb-2953	1	50	banking	banking	PROPN
ajbmeb-2953	1	51	and	and	CCONJ
ajbmeb-2953	1	52	finance	finance	PROPN
ajbmeb-2953	1	53	academy	academy	NOUN
ajbmeb-2953	1	54	of	of	ADP
ajbmeb-2953	1	55	the	the	DET
ajbmeb-2953	1	56	republic	republic	NOUN
ajbmeb-2953	1	57	of	of	ADP
ajbmeb-2953	1	58	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	1	59	a	a	DET
ajbmeb-2953	1	60	b	b	PROPN
ajbmeb-2953	1	61	s	s	ADP
ajbmeb-2953	1	62	t	t	PROPN
ajbmeb-2953	1	63	r	r	NOUN
ajbmeb-2953	2	1	a	a	DET
ajbmeb-2953	2	2	c	c	NOUN
ajbmeb-2953	2	3	t	t	NOUN
ajbmeb-2953	2	4	k	k	X
ajbmeb-2953	2	5	e	e	PROPN
ajbmeb-2953	2	6	y	y	PROPN
ajbmeb-2953	2	7	w	w	NOUN
ajbmeb-2953	2	8	o	o	NOUN
ajbmeb-2953	2	9	r	r	NOUN
ajbmeb-2953	2	10	d	d	X
ajbmeb-2953	2	11	s	s	AUX
ajbmeb-2953	2	12	improving	improve	VERB
ajbmeb-2953	2	13	the	the	DET
ajbmeb-2953	2	14	assessment	assessment	NOUN
ajbmeb-2953	2	15	of	of	ADP
ajbmeb-2953	2	16	companies	company	NOUN
ajbmeb-2953	2	17	'	'	PART
ajbmeb-2953	2	18	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	2	19	is	be	AUX
ajbmeb-2953	2	20	a	a	DET
ajbmeb-2953	2	21	prerequisite	prerequisite	NOUN
ajbmeb-2953	2	22	for	for	ADP
ajbmeb-2953	2	23	increasing	increase	VERB
ajbmeb-2953	2	24	the	the	DET
ajbmeb-2953	2	25	level	level	NOUN
ajbmeb-2953	2	26	of	of	ADP
ajbmeb-2953	2	27	availability	availability	NOUN
ajbmeb-2953	2	28	of	of	ADP
ajbmeb-2953	2	29	commercial	commercial	ADJ
ajbmeb-2953	2	30	bank	bank	NOUN
ajbmeb-2953	2	31	loans	loan	NOUN
ajbmeb-2953	2	32	provided	provide	VERB
ajbmeb-2953	2	33	to	to	PART
ajbmeb-2953	2	34	finance	finance	VERB
ajbmeb-2953	2	35	their	their	PRON
ajbmeb-2953	2	36	foreign	foreign	ADJ
ajbmeb-2953	2	37	trade	trade	NOUN
ajbmeb-2953	2	38	activities	activity	NOUN
ajbmeb-2953	2	39	.	.	PUNCT
ajbmeb-2953	3	1	in	in	ADP
ajbmeb-2953	3	2	addition	addition	NOUN
ajbmeb-2953	3	3	,	,	PUNCT
ajbmeb-2953	3	4	it	it	PRON
ajbmeb-2953	3	5	is	be	AUX
ajbmeb-2953	3	6	one	one	NUM
ajbmeb-2953	3	7	of	of	ADP
ajbmeb-2953	3	8	the	the	DET
ajbmeb-2953	3	9	main	main	ADJ
ajbmeb-2953	3	10	methods	method	NOUN
ajbmeb-2953	3	11	for	for	ADP
ajbmeb-2953	3	12	reducing	reduce	VERB
ajbmeb-2953	3	13	credit	credit	NOUN
ajbmeb-2953	3	14	risk	risk	NOUN
ajbmeb-2953	3	15	for	for	ADP
ajbmeb-2953	3	16	commercial	commercial	ADJ
ajbmeb-2953	3	17	banks	bank	NOUN
ajbmeb-2953	3	18	.	.	PUNCT
ajbmeb-2953	4	1	the	the	DET
ajbmeb-2953	4	2	article	article	NOUN
ajbmeb-2953	4	3	provides	provide	VERB
ajbmeb-2953	4	4	a	a	DET
ajbmeb-2953	4	5	comparative	comparative	ADJ
ajbmeb-2953	4	6	analysis	analysis	NOUN
ajbmeb-2953	4	7	of	of	ADP
ajbmeb-2953	4	8	methods	method	NOUN
ajbmeb-2953	4	9	for	for	ADP
ajbmeb-2953	4	10	assessing	assess	VERB
ajbmeb-2953	4	11	the	the	DET
ajbmeb-2953	4	12	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	4	13	of	of	ADP
ajbmeb-2953	4	14	companies	company	NOUN
ajbmeb-2953	4	15	,	,	PUNCT
ajbmeb-2953	4	16	identifying	identify	VERB
ajbmeb-2953	4	17	their	their	PRON
ajbmeb-2953	4	18	advantages	advantage	NOUN
ajbmeb-2953	4	19	and	and	CCONJ
ajbmeb-2953	4	20	disadvantages	disadvantage	NOUN
ajbmeb-2953	4	21	.	.	PUNCT
ajbmeb-2953	5	1	also	also	ADV
ajbmeb-2953	5	2	,	,	PUNCT
ajbmeb-2953	5	3	the	the	DET
ajbmeb-2953	5	4	article	article	NOUN
ajbmeb-2953	5	5	develops	develop	VERB
ajbmeb-2953	5	6	scientific	scientific	ADJ
ajbmeb-2953	5	7	proposals	proposal	NOUN
ajbmeb-2953	5	8	aimed	aim	VERB
ajbmeb-2953	5	9	at	at	ADP
ajbmeb-2953	5	10	improving	improve	VERB
ajbmeb-2953	5	11	the	the	DET
ajbmeb-2953	5	12	practice	practice	NOUN
ajbmeb-2953	5	13	of	of	ADP
ajbmeb-2953	5	14	assessing	assess	VERB
ajbmeb-2953	5	15	companies	company	NOUN
ajbmeb-2953	5	16	in	in	ADP
ajbmeb-2953	5	17	banks	bank	NOUN
ajbmeb-2953	5	18	of	of	ADP
ajbmeb-2953	5	19	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	5	20	.	.	PUNCT
ajbmeb-2953	6	1	company	company	NOUN
ajbmeb-2953	6	2	,	,	PUNCT
ajbmeb-2953	6	3	commercial	commercial	ADJ
ajbmeb-2953	6	4	bank	bank	NOUN
ajbmeb-2953	6	5	,	,	PUNCT
ajbmeb-2953	6	6	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	6	7	,	,	PUNCT
ajbmeb-2953	6	8	credit	credit	NOUN
ajbmeb-2953	6	9	,	,	PUNCT
ajbmeb-2953	6	10	liquidity	liquidity	NOUN
ajbmeb-2953	6	11	,	,	PUNCT
ajbmeb-2953	6	12	cash	cash	NOUN
ajbmeb-2953	6	13	flow	flow	NOUN
ajbmeb-2953	6	14	,	,	PUNCT
ajbmeb-2953	6	15	current	current	ADJ
ajbmeb-2953	6	16	assets	asset	NOUN
ajbmeb-2953	6	17	,	,	PUNCT
ajbmeb-2953	6	18	current	current	ADJ
ajbmeb-2953	6	19	liabilities	liability	NOUN
ajbmeb-2953	6	20	.	.	PUNCT
ajbmeb-2953	7	1	introduction	introduction	NOUN
ajbmeb-2953	7	2	the	the	DET
ajbmeb-2953	7	3	development	development	NOUN
ajbmeb-2953	7	4	strategy	strategy	NOUN
ajbmeb-2953	7	5	of	of	ADP
ajbmeb-2953	7	6	the	the	DET
ajbmeb-2953	7	7	new	new	ADJ
ajbmeb-2953	7	8	uzbekistan	uzbekistan	NOUN
ajbmeb-2953	7	9	for	for	ADP
ajbmeb-2953	7	10	2022	2022	NUM
ajbmeb-2953	7	11	-	-	SYM
ajbmeb-2953	7	12	2022	2022	NUM
ajbmeb-2953	7	13	notes	note	NOUN
ajbmeb-2953	7	14	that	that	PRON
ajbmeb-2953	7	15	further	far	ADV
ajbmeb-2953	7	16	increasing	increase	VERB
ajbmeb-2953	7	17	the	the	DET
ajbmeb-2953	7	18	export	export	NOUN
ajbmeb-2953	7	19	potential	potential	NOUN
ajbmeb-2953	7	20	of	of	ADP
ajbmeb-2953	7	21	the	the	DET
ajbmeb-2953	7	22	republic	republic	NOUN
ajbmeb-2953	7	23	and	and	CCONJ
ajbmeb-2953	7	24	bringing	bring	VERB
ajbmeb-2953	7	25	the	the	DET
ajbmeb-2953	7	26	volume	volume	NOUN
ajbmeb-2953	7	27	of	of	ADP
ajbmeb-2953	7	28	exports	export	NOUN
ajbmeb-2953	7	29	of	of	ADP
ajbmeb-2953	7	30	the	the	DET
ajbmeb-2953	7	31	republic	republic	NOUN
ajbmeb-2953	7	32	in	in	ADP
ajbmeb-2953	7	33	2026	2026	NUM
ajbmeb-2953	7	34	to	to	ADP
ajbmeb-2953	7	35	30	30	NUM
ajbmeb-2953	7	36	billion	billion	NUM
ajbmeb-2953	7	37	us	us	PROPN
ajbmeb-2953	7	38	dollars	dollar	NOUN
ajbmeb-2953	7	39	by	by	ADP
ajbmeb-2953	7	40	increasing	increase	VERB
ajbmeb-2953	7	41	the	the	DET
ajbmeb-2953	7	42	export	export	NOUN
ajbmeb-2953	7	43	potential	potential	NOUN
ajbmeb-2953	7	44	of	of	ADP
ajbmeb-2953	7	45	the	the	DET
ajbmeb-2953	7	46	republic	republic	NOUN
ajbmeb-2953	7	47	through	through	ADP
ajbmeb-2953	7	48	active	active	ADJ
ajbmeb-2953	7	49	support	support	NOUN
ajbmeb-2953	7	50	for	for	ADP
ajbmeb-2953	7	51	the	the	DET
ajbmeb-2953	7	52	activities	activity	NOUN
ajbmeb-2953	7	53	of	of	ADP
ajbmeb-2953	7	54	exporting	export	VERB
ajbmeb-2953	7	55	enterprises	enterprise	NOUN
ajbmeb-2953	7	56	,	,	PUNCT
ajbmeb-2953	7	57	further	far	ADV
ajbmeb-2953	7	58	developing	develop	VERB
ajbmeb-2953	7	59	the	the	DET
ajbmeb-2953	7	60	export	export	NOUN
ajbmeb-2953	7	61	potential	potential	NOUN
ajbmeb-2953	7	62	of	of	ADP
ajbmeb-2953	7	63	local	local	ADJ
ajbmeb-2953	7	64	industries	industry	NOUN
ajbmeb-2953	7	65	based	base	VERB
ajbmeb-2953	7	66	on	on	ADP
ajbmeb-2953	7	67	the	the	DET
ajbmeb-2953	7	68	maximum	maximum	ADJ
ajbmeb-2953	7	69	use	use	NOUN
ajbmeb-2953	7	70	of	of	ADP
ajbmeb-2953	7	71	existing	exist	VERB
ajbmeb-2953	7	72	opportunities	opportunity	NOUN
ajbmeb-2953	7	73	,	,	PUNCT
ajbmeb-2953	7	74	introducing	introduce	VERB
ajbmeb-2953	7	75	modern	modern	ADJ
ajbmeb-2953	7	76	standards	standard	NOUN
ajbmeb-2953	7	77	in	in	ADP
ajbmeb-2953	7	78	the	the	DET
ajbmeb-2953	7	79	production	production	NOUN
ajbmeb-2953	7	80	of	of	ADP
ajbmeb-2953	7	81	products	product	NOUN
ajbmeb-2953	7	82	that	that	PRON
ajbmeb-2953	7	83	meet	meet	VERB
ajbmeb-2953	7	84	the	the	DET
ajbmeb-2953	7	85	requirements	requirement	NOUN
ajbmeb-2953	7	86	of	of	ADP
ajbmeb-2953	7	87	foreign	foreign	ADJ
ajbmeb-2953	7	88	and	and	CCONJ
ajbmeb-2953	7	89	international	international	ADJ
ajbmeb-2953	7	90	markets	market	NOUN
ajbmeb-2953	7	91	is	be	AUX
ajbmeb-2953	7	92	one	one	NUM
ajbmeb-2953	7	93	of	of	ADP
ajbmeb-2953	7	94	the	the	DET
ajbmeb-2953	7	95	priority	priority	NOUN
ajbmeb-2953	7	96	areas	area	NOUN
ajbmeb-2953	7	97	for	for	ADP
ajbmeb-2953	7	98	the	the	DET
ajbmeb-2953	7	99	accelerated	accelerated	ADJ
ajbmeb-2953	7	100	development	development	NOUN
ajbmeb-2953	7	101	of	of	ADP
ajbmeb-2953	7	102	the	the	DET
ajbmeb-2953	7	103	national	national	ADJ
ajbmeb-2953	7	104	economy	economy	NOUN
ajbmeb-2953	7	105	and	and	CCONJ
ajbmeb-2953	7	106	ensuring	ensure	VERB
ajbmeb-2953	7	107	high	high	ADJ
ajbmeb-2953	7	108	growth	growth	NOUN
ajbmeb-2953	7	109	rates	rate	NOUN
ajbmeb-2953	7	110	[	[	X
ajbmeb-2953	7	111	1	1	NUM
ajbmeb-2953	7	112	]	]	PUNCT
ajbmeb-2953	7	113	.	.	PUNCT
ajbmeb-2953	8	1	the	the	DET
ajbmeb-2953	8	2	strategy	strategy	NOUN
ajbmeb-2953	8	3	“	"	PUNCT
ajbmeb-2953	8	4	uzbekistan-2030	uzbekistan-2030	NOUN
ajbmeb-2953	8	5	”	"	PUNCT
ajbmeb-2953	8	6	sets	set	VERB
ajbmeb-2953	8	7	the	the	DET
ajbmeb-2953	8	8	task	task	NOUN
ajbmeb-2953	8	9	of	of	ADP
ajbmeb-2953	8	10	accelerating	accelerate	VERB
ajbmeb-2953	8	11	reforms	reform	NOUN
ajbmeb-2953	8	12	in	in	ADP
ajbmeb-2953	8	13	the	the	DET
ajbmeb-2953	8	14	banking	banking	NOUN
ajbmeb-2953	8	15	system	system	NOUN
ajbmeb-2953	8	16	,	,	PUNCT
ajbmeb-2953	8	17	increasing	increase	VERB
ajbmeb-2953	8	18	the	the	DET
ajbmeb-2953	8	19	volume	volume	NOUN
ajbmeb-2953	8	20	of	of	ADP
ajbmeb-2953	8	21	the	the	DET
ajbmeb-2953	8	22	banking	banking	NOUN
ajbmeb-2953	8	23	services	service	NOUN
ajbmeb-2953	8	24	market	market	NOUN
ajbmeb-2953	8	25	and	and	CCONJ
ajbmeb-2953	8	26	developing	develop	VERB
ajbmeb-2953	8	27	competition	competition	NOUN
ajbmeb-2953	8	28	in	in	ADP
ajbmeb-2953	8	29	the	the	DET
ajbmeb-2953	8	30	sphere	sphere	NOUN
ajbmeb-2953	8	31	by	by	ADP
ajbmeb-2953	8	32	bringing	bring	VERB
ajbmeb-2953	8	33	the	the	DET
ajbmeb-2953	8	34	annual	annual	ADJ
ajbmeb-2953	8	35	volume	volume	NOUN
ajbmeb-2953	8	36	of	of	ADP
ajbmeb-2953	8	37	lending	lending	NOUN
ajbmeb-2953	8	38	in	in	ADP
ajbmeb-2953	8	39	the	the	DET
ajbmeb-2953	8	40	banking	banking	NOUN
ajbmeb-2953	8	41	and	and	CCONJ
ajbmeb-2953	8	42	financial	financial	ADJ
ajbmeb-2953	8	43	system	system	NOUN
ajbmeb-2953	8	44	to	to	ADP
ajbmeb-2953	8	45	40	40	NUM
ajbmeb-2953	8	46	billion	billion	NUM
ajbmeb-2953	8	47	dollars	dollar	NOUN
ajbmeb-2953	8	48	,	,	PUNCT
ajbmeb-2953	8	49	increasing	increase	VERB
ajbmeb-2953	8	50	the	the	DET
ajbmeb-2953	8	51	volume	volume	NOUN
ajbmeb-2953	8	52	of	of	ADP
ajbmeb-2953	8	53	bank	bank	NOUN
ajbmeb-2953	8	54	deposits	deposit	NOUN
ajbmeb-2953	8	55	by	by	ADP
ajbmeb-2953	8	56	4	4	NUM
ajbmeb-2953	8	57	times	time	NOUN
ajbmeb-2953	8	58	,	,	PUNCT
ajbmeb-2953	8	59	improving	improve	VERB
ajbmeb-2953	8	60	the	the	DET
ajbmeb-2953	8	61	norms	norm	NOUN
ajbmeb-2953	8	62	and	and	CCONJ
ajbmeb-2953	8	63	control	control	NOUN
ajbmeb-2953	8	64	bases	basis	NOUN
ajbmeb-2953	8	65	by	by	ADP
ajbmeb-2953	8	66	introducing	introduce	VERB
ajbmeb-2953	8	67	internationally	internationally	ADV
ajbmeb-2953	8	68	recognized	recognize	VERB
ajbmeb-2953	8	69	minimum	minimum	NOUN
ajbmeb-2953	8	70	standards	standard	NOUN
ajbmeb-2953	8	71	and	and	CCONJ
ajbmeb-2953	8	72	requirements	requirement	NOUN
ajbmeb-2953	8	73	in	in	ADP
ajbmeb-2953	8	74	banks	bank	NOUN
ajbmeb-2953	8	75	,	,	PUNCT
ajbmeb-2953	8	76	introducing	introduce	VERB
ajbmeb-2953	8	77	criteria	criterion	NOUN
ajbmeb-2953	8	78	and	and	CCONJ
ajbmeb-2953	8	79	procedures	procedure	NOUN
ajbmeb-2953	8	80	for	for	ADP
ajbmeb-2953	8	81	islamic	islamic	ADJ
ajbmeb-2953	8	82	financing	financing	NOUN
ajbmeb-2953	8	83	in	in	ADP
ajbmeb-2953	8	84	at	at	ADV
ajbmeb-2953	8	85	least	least	ADV
ajbmeb-2953	8	86	3	3	NUM
ajbmeb-2953	8	87	commercial	commercial	ADJ
ajbmeb-2953	8	88	formation	formation	NOUN
ajbmeb-2953	8	89	of	of	ADP
ajbmeb-2953	8	90	the	the	DET
ajbmeb-2953	8	91	legislative	legislative	ADJ
ajbmeb-2953	8	92	basis	basis	NOUN
ajbmeb-2953	8	93	for	for	ADP
ajbmeb-2953	8	94	islamic	islamic	ADJ
ajbmeb-2953	8	95	financing	financing	NOUN
ajbmeb-2953	8	96	[	[	X
ajbmeb-2953	8	97	2	2	NUM
ajbmeb-2953	8	98	]	]	PUNCT
ajbmeb-2953	8	99	.	.	PUNCT
ajbmeb-2953	9	1	the	the	DET
ajbmeb-2953	9	2	above	above	ADJ
ajbmeb-2953	9	3	facts	fact	NOUN
ajbmeb-2953	9	4	determine	determine	VERB
ajbmeb-2953	9	5	the	the	DET
ajbmeb-2953	9	6	need	need	NOUN
ajbmeb-2953	9	7	to	to	PART
ajbmeb-2953	9	8	increase	increase	VERB
ajbmeb-2953	9	9	commercial	commercial	ADJ
ajbmeb-2953	9	10	bank	bank	NOUN
ajbmeb-2953	9	11	loans	loan	NOUN
ajbmeb-2953	9	12	provided	provide	VERB
ajbmeb-2953	9	13	to	to	ADP
ajbmeb-2953	9	14	exporting	export	VERB
ajbmeb-2953	9	15	companies	company	NOUN
ajbmeb-2953	9	16	.	.	PUNCT
ajbmeb-2953	10	1	in	in	ADP
ajbmeb-2953	10	2	turn	turn	NOUN
ajbmeb-2953	10	3	,	,	PUNCT
ajbmeb-2953	10	4	the	the	DET
ajbmeb-2953	10	5	increase	increase	NOUN
ajbmeb-2953	10	6	in	in	ADP
ajbmeb-2953	10	7	the	the	DET
ajbmeb-2953	10	8	volume	volume	NOUN
ajbmeb-2953	10	9	of	of	ADP
ajbmeb-2953	10	10	lending	lending	NOUN
ajbmeb-2953	10	11	to	to	ADP
ajbmeb-2953	10	12	exporting	export	VERB
ajbmeb-2953	10	13	companies	company	NOUN
ajbmeb-2953	10	14	determines	determine	VERB
ajbmeb-2953	10	15	the	the	DET
ajbmeb-2953	10	16	need	need	NOUN
ajbmeb-2953	10	17	to	to	PART
ajbmeb-2953	10	18	improve	improve	VERB
ajbmeb-2953	10	19	the	the	DET
ajbmeb-2953	10	20	practice	practice	NOUN
ajbmeb-2953	10	21	of	of	ADP
ajbmeb-2953	10	22	assessing	assess	VERB
ajbmeb-2953	10	23	their	their	PRON
ajbmeb-2953	10	24	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	10	25	.	.	PUNCT
ajbmeb-2953	11	1	american	american	PROPN
ajbmeb-2953	11	2	journal	journal	PROPN
ajbmeb-2953	11	3	of	of	ADP
ajbmeb-2953	11	4	business	business	NOUN
ajbmeb-2953	11	5	management	management	NOUN
ajbmeb-2953	11	6	,	,	PUNCT
ajbmeb-2953	11	7	economics	economic	NOUN
ajbmeb-2953	11	8	and	and	CCONJ
ajbmeb-2953	11	9	banking	banking	NOUN
ajbmeb-2953	11	10	volume	volume	NOUN
ajbmeb-2953	11	11	36	36	NUM
ajbmeb-2953	11	12	may2025	may2025	NOUN
ajbmeb-2953	11	13	p	p	NOUN
ajbmeb-2953	11	14	a	a	DET
ajbmeb-2953	11	15	g	g	NOUN
ajbmeb-2953	11	16	e	e	NOUN
ajbmeb-2953	11	17	|	|	ADV
ajbmeb-2953	11	18	56	56	NUM
ajbmeb-2953	11	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2953	11	20	review	review	NOUN
ajbmeb-2953	11	21	of	of	ADP
ajbmeb-2953	11	22	literature	literature	NOUN
ajbmeb-2953	11	23	on	on	ADP
ajbmeb-2953	11	24	the	the	DET
ajbmeb-2953	11	25	topic	topic	NOUN
ajbmeb-2953	11	26	.	.	PUNCT
ajbmeb-2953	12	1	e.	e.	PROPN
ajbmeb-2953	12	2	rusakova	rusakova	PROPN
ajbmeb-2953	12	3	claims	claim	VERB
ajbmeb-2953	12	4	that	that	SCONJ
ajbmeb-2953	12	5	the	the	DET
ajbmeb-2953	12	6	main	main	ADJ
ajbmeb-2953	12	7	indicators	indicator	NOUN
ajbmeb-2953	12	8	of	of	ADP
ajbmeb-2953	12	9	companies	company	NOUN
ajbmeb-2953	12	10	’	'	PUNCT
ajbmeb-2953	12	11	solvency	solvency	NOUN
ajbmeb-2953	12	12	are	be	AUX
ajbmeb-2953	12	13	the	the	DET
ajbmeb-2953	12	14	following	follow	VERB
ajbmeb-2953	12	15	:	:	PUNCT
ajbmeb-2953	12	16	*	*	PUNCT
ajbmeb-2953	12	17	current	current	ADJ
ajbmeb-2953	12	18	liquidity	liquidity	NOUN
ajbmeb-2953	12	19	ratio	ratio	NOUN
ajbmeb-2953	12	20	;	;	PUNCT
ajbmeb-2953	12	21	*	*	PUNCT
ajbmeb-2953	12	22	coefficient	coefficient	NOUN
ajbmeb-2953	12	23	of	of	ADP
ajbmeb-2953	12	24	equity	equity	NOUN
ajbmeb-2953	12	25	;	;	PUNCT
ajbmeb-2953	12	26	*	*	PUNCT
ajbmeb-2953	12	27	solvency	solvency	NOUN
ajbmeb-2953	12	28	recovery	recovery	NOUN
ajbmeb-2953	12	29	ratio	ratio	NOUN
ajbmeb-2953	13	1	[	[	X
ajbmeb-2953	13	2	3	3	NUM
ajbmeb-2953	13	3	]	]	PUNCT
ajbmeb-2953	13	4	.	.	PUNCT
ajbmeb-2953	14	1	according	accord	VERB
ajbmeb-2953	14	2	to	to	ADP
ajbmeb-2953	14	3	v.	v.	ADP
ajbmeb-2953	14	4	usoskin	usoskin	NOUN
ajbmeb-2953	14	5	,	,	PUNCT
ajbmeb-2953	14	6	“	"	PUNCT
ajbmeb-2953	14	7	commercial	commercial	ADJ
ajbmeb-2953	14	8	banks	bank	NOUN
ajbmeb-2953	14	9	traditionally	traditionally	ADV
ajbmeb-2953	14	10	belong	belong	VERB
ajbmeb-2953	14	11	to	to	ADP
ajbmeb-2953	14	12	the	the	DET
ajbmeb-2953	14	13	category	category	NOUN
ajbmeb-2953	14	14	of	of	ADP
ajbmeb-2953	14	15	creditors	creditor	NOUN
ajbmeb-2953	14	16	whose	whose	DET
ajbmeb-2953	14	17	loans	loan	NOUN
ajbmeb-2953	14	18	are	be	AUX
ajbmeb-2953	14	19	repaid	repay	VERB
ajbmeb-2953	14	20	using	use	VERB
ajbmeb-2953	14	21	the	the	DET
ajbmeb-2953	14	22	net	net	ADJ
ajbmeb-2953	14	23	balance	balance	NOUN
ajbmeb-2953	14	24	of	of	ADP
ajbmeb-2953	14	25	current	current	ADJ
ajbmeb-2953	14	26	cash	cash	NOUN
ajbmeb-2953	14	27	receipts	receipt	NOUN
ajbmeb-2953	14	28	.	.	PUNCT
ajbmeb-2953	15	1	this	this	DET
ajbmeb-2953	15	2	value	value	NOUN
ajbmeb-2953	15	3	is	be	AUX
ajbmeb-2953	15	4	equal	equal	ADJ
ajbmeb-2953	15	5	to	to	ADP
ajbmeb-2953	15	6	net	net	ADJ
ajbmeb-2953	15	7	operating	operating	NOUN
ajbmeb-2953	15	8	profit	profit	NOUN
ajbmeb-2953	15	9	plus	plus	CCONJ
ajbmeb-2953	15	10	depreciation	depreciation	NOUN
ajbmeb-2953	15	11	charges	charge	NOUN
ajbmeb-2953	15	12	minus	minus	CCONJ
ajbmeb-2953	15	13	accounts	account	NOUN
ajbmeb-2953	15	14	receivable	receivable	ADJ
ajbmeb-2953	15	15	minus	minus	CCONJ
ajbmeb-2953	15	16	the	the	DET
ajbmeb-2953	15	17	increase	increase	NOUN
ajbmeb-2953	15	18	in	in	ADP
ajbmeb-2953	15	19	inventory	inventory	NOUN
ajbmeb-2953	15	20	plus	plus	CCONJ
ajbmeb-2953	15	21	the	the	DET
ajbmeb-2953	15	22	amount	amount	NOUN
ajbmeb-2953	15	23	of	of	ADP
ajbmeb-2953	15	24	accounts	account	NOUN
ajbmeb-2953	15	25	payable	payable	ADJ
ajbmeb-2953	15	26	”	"	PUNCT
ajbmeb-2953	16	1	[	[	X
ajbmeb-2953	16	2	4	4	NUM
ajbmeb-2953	16	3	]	]	PUNCT
ajbmeb-2953	16	4	.	.	PUNCT
ajbmeb-2953	17	1	m.	m.	PROPN
ajbmeb-2953	17	2	grebneva	grebneva	PROPN
ajbmeb-2953	17	3	and	and	CCONJ
ajbmeb-2953	17	4	yu	yu	PROPN
ajbmeb-2953	17	5	.	.	PROPN
ajbmeb-2953	17	6	korotkova	korotkova	PROPN
ajbmeb-2953	17	7	came	come	VERB
ajbmeb-2953	17	8	to	to	ADP
ajbmeb-2953	17	9	the	the	DET
ajbmeb-2953	17	10	conclusion	conclusion	NOUN
ajbmeb-2953	17	11	that	that	SCONJ
ajbmeb-2953	17	12	the	the	DET
ajbmeb-2953	17	13	analysis	analysis	NOUN
ajbmeb-2953	17	14	of	of	ADP
ajbmeb-2953	17	15	the	the	DET
ajbmeb-2953	17	16	borrower	borrower	NOUN
ajbmeb-2953	17	17	's	's	PART
ajbmeb-2953	17	18	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	17	19	as	as	ADP
ajbmeb-2953	17	20	a	a	DET
ajbmeb-2953	17	21	comprehensive	comprehensive	ADJ
ajbmeb-2953	17	22	study	study	NOUN
ajbmeb-2953	17	23	of	of	ADP
ajbmeb-2953	17	24	his	his	PRON
ajbmeb-2953	17	25	activities	activity	NOUN
ajbmeb-2953	17	26	for	for	ADP
ajbmeb-2953	17	27	a	a	DET
ajbmeb-2953	17	28	reasonable	reasonable	ADJ
ajbmeb-2953	17	29	and	and	CCONJ
ajbmeb-2953	17	30	reliable	reliable	ADJ
ajbmeb-2953	17	31	assessment	assessment	NOUN
ajbmeb-2953	17	32	of	of	ADP
ajbmeb-2953	17	33	the	the	DET
ajbmeb-2953	17	34	probability	probability	NOUN
ajbmeb-2953	17	35	of	of	ADP
ajbmeb-2953	17	36	loan	loan	NOUN
ajbmeb-2953	17	37	repayment	repayment	NOUN
ajbmeb-2953	17	38	involves	involve	VERB
ajbmeb-2953	17	39	solving	solve	VERB
ajbmeb-2953	17	40	the	the	DET
ajbmeb-2953	17	41	following	follow	VERB
ajbmeb-2953	17	42	problems	problem	NOUN
ajbmeb-2953	17	43	:	:	PUNCT
ajbmeb-2953	17	44	a	a	X
ajbmeb-2953	17	45	)	)	PUNCT
ajbmeb-2953	17	46	determining	determine	VERB
ajbmeb-2953	17	47	the	the	DET
ajbmeb-2953	17	48	optimal	optimal	ADJ
ajbmeb-2953	17	49	amount	amount	NOUN
ajbmeb-2953	17	50	of	of	ADP
ajbmeb-2953	17	51	financial	financial	ADJ
ajbmeb-2953	17	52	resources	resource	NOUN
ajbmeb-2953	17	53	provided	provide	VERB
ajbmeb-2953	17	54	by	by	ADP
ajbmeb-2953	17	55	the	the	DET
ajbmeb-2953	17	56	creditor	creditor	NOUN
ajbmeb-2953	17	57	and	and	CCONJ
ajbmeb-2953	17	58	methods	method	NOUN
ajbmeb-2953	17	59	of	of	ADP
ajbmeb-2953	17	60	their	their	PRON
ajbmeb-2953	17	61	repayment	repayment	NOUN
ajbmeb-2953	17	62	;	;	PUNCT
ajbmeb-2953	17	63	b	b	X
ajbmeb-2953	17	64	)	)	PUNCT
ajbmeb-2953	17	65	conducting	conduct	VERB
ajbmeb-2953	17	66	ongoing	ongoing	ADJ
ajbmeb-2953	17	67	control	control	NOUN
ajbmeb-2953	17	68	(	(	PUNCT
ajbmeb-2953	17	69	monitoring	monitoring	NOUN
ajbmeb-2953	17	70	)	)	PUNCT
ajbmeb-2953	17	71	by	by	ADP
ajbmeb-2953	17	72	the	the	DET
ajbmeb-2953	17	73	lender	lender	NOUN
ajbmeb-2953	17	74	over	over	ADP
ajbmeb-2953	17	75	the	the	DET
ajbmeb-2953	17	76	borrower	borrower	NOUN
ajbmeb-2953	17	77	’s	’s	PART
ajbmeb-2953	17	78	compliance	compliance	NOUN
ajbmeb-2953	17	79	with	with	ADP
ajbmeb-2953	17	80	the	the	DET
ajbmeb-2953	17	81	requirements	requirement	NOUN
ajbmeb-2953	17	82	regarding	regard	VERB
ajbmeb-2953	17	83	the	the	DET
ajbmeb-2953	17	84	indicators	indicator	NOUN
ajbmeb-2953	17	85	of	of	ADP
ajbmeb-2953	17	86	its	its	PRON
ajbmeb-2953	17	87	financial	financial	ADJ
ajbmeb-2953	17	88	condition	condition	NOUN
ajbmeb-2953	17	89	;	;	PUNCT
ajbmeb-2953	17	90	c	c	X
ajbmeb-2953	17	91	)	)	PUNCT
ajbmeb-2953	17	92	identification	identification	NOUN
ajbmeb-2953	17	93	of	of	ADP
ajbmeb-2953	17	94	credit	credit	NOUN
ajbmeb-2953	17	95	risk	risk	NOUN
ajbmeb-2953	17	96	factors	factor	NOUN
ajbmeb-2953	17	97	and	and	CCONJ
ajbmeb-2953	17	98	assessment	assessment	NOUN
ajbmeb-2953	17	99	of	of	ADP
ajbmeb-2953	17	100	their	their	PRON
ajbmeb-2953	17	101	impact	impact	NOUN
ajbmeb-2953	17	102	on	on	ADP
ajbmeb-2953	17	103	decision	decision	NOUN
ajbmeb-2953	17	104	-	-	PUNCT
ajbmeb-2953	17	105	making	making	NOUN
ajbmeb-2953	17	106	on	on	ADP
ajbmeb-2953	17	107	the	the	DET
ajbmeb-2953	17	108	advisability	advisability	NOUN
ajbmeb-2953	17	109	of	of	ADP
ajbmeb-2953	17	110	issuing	issue	VERB
ajbmeb-2953	17	111	a	a	DET
ajbmeb-2953	17	112	loan	loan	NOUN
ajbmeb-2953	17	113	to	to	ADP
ajbmeb-2953	17	114	a	a	DET
ajbmeb-2953	17	115	borrower	borrower	NOUN
ajbmeb-2953	17	116	;	;	PUNCT
ajbmeb-2953	17	117	d	d	X
ajbmeb-2953	17	118	)	)	PUNCT
ajbmeb-2953	17	119	analysis	analysis	NOUN
ajbmeb-2953	17	120	of	of	ADP
ajbmeb-2953	17	121	the	the	DET
ajbmeb-2953	17	122	sufficiency	sufficiency	NOUN
ajbmeb-2953	17	123	and	and	CCONJ
ajbmeb-2953	17	124	reliability	reliability	NOUN
ajbmeb-2953	17	125	of	of	ADP
ajbmeb-2953	17	126	the	the	DET
ajbmeb-2953	17	127	security	security	NOUN
ajbmeb-2953	17	128	provided	provide	VERB
ajbmeb-2953	17	129	by	by	ADP
ajbmeb-2953	17	130	the	the	DET
ajbmeb-2953	17	131	borrower	borrower	NOUN
ajbmeb-2953	17	132	for	for	ADP
ajbmeb-2953	17	133	the	the	DET
ajbmeb-2953	17	134	loan	loan	NOUN
ajbmeb-2953	17	135	[	[	X
ajbmeb-2953	17	136	5	5	NUM
ajbmeb-2953	17	137	]	]	PUNCT
ajbmeb-2953	17	138	.	.	PUNCT
ajbmeb-2953	18	1	the	the	DET
ajbmeb-2953	18	2	most	most	ADV
ajbmeb-2953	18	3	well	well	ADV
ajbmeb-2953	18	4	-	-	PUNCT
ajbmeb-2953	18	5	known	know	VERB
ajbmeb-2953	18	6	models	model	NOUN
ajbmeb-2953	18	7	of	of	ADP
ajbmeb-2953	18	8	corporate	corporate	ADJ
ajbmeb-2953	18	9	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	18	10	are	be	AUX
ajbmeb-2953	18	11	the	the	DET
ajbmeb-2953	18	12	altman	altman	PROPN
ajbmeb-2953	18	13	and	and	CCONJ
ajbmeb-2953	18	14	chesser	chesser	NOUN
ajbmeb-2953	18	15	models	model	NOUN
ajbmeb-2953	18	16	,	,	PUNCT
ajbmeb-2953	18	17	which	which	PRON
ajbmeb-2953	18	18	include	include	VERB
ajbmeb-2953	18	19	the	the	DET
ajbmeb-2953	18	20	following	follow	VERB
ajbmeb-2953	18	21	indicators	indicator	NOUN
ajbmeb-2953	18	22	:	:	PUNCT
ajbmeb-2953	18	23	*	*	PUNCT
ajbmeb-2953	18	24	ratio	ratio	NOUN
ajbmeb-2953	18	25	of	of	ADP
ajbmeb-2953	18	26	own	own	ADJ
ajbmeb-2953	18	27	working	working	NOUN
ajbmeb-2953	18	28	capital	capital	NOUN
ajbmeb-2953	18	29	to	to	ADP
ajbmeb-2953	18	30	total	total	ADJ
ajbmeb-2953	18	31	assets	asset	NOUN
ajbmeb-2953	18	32	;	;	PUNCT
ajbmeb-2953	18	33	*	*	PUNCT
ajbmeb-2953	18	34	the	the	DET
ajbmeb-2953	18	35	ratio	ratio	NOUN
ajbmeb-2953	18	36	of	of	ADP
ajbmeb-2953	18	37	reinvested	reinvested	ADJ
ajbmeb-2953	18	38	profit	profit	NOUN
ajbmeb-2953	18	39	to	to	ADP
ajbmeb-2953	18	40	total	total	ADJ
ajbmeb-2953	18	41	assets	asset	NOUN
ajbmeb-2953	18	42	;	;	PUNCT
ajbmeb-2953	18	43	*	*	PUNCT
ajbmeb-2953	18	44	ratio	ratio	NOUN
ajbmeb-2953	18	45	of	of	ADP
ajbmeb-2953	18	46	market	market	NOUN
ajbmeb-2953	18	47	value	value	NOUN
ajbmeb-2953	18	48	of	of	ADP
ajbmeb-2953	18	49	shares	share	NOUN
ajbmeb-2953	18	50	to	to	ADP
ajbmeb-2953	18	51	borrowed	borrow	VERB
ajbmeb-2953	18	52	capital	capital	NOUN
ajbmeb-2953	18	53	;	;	PUNCT
ajbmeb-2953	18	54	*	*	PUNCT
ajbmeb-2953	18	55	ratio	ratio	NOUN
ajbmeb-2953	18	56	of	of	ADP
ajbmeb-2953	18	57	sales	sale	NOUN
ajbmeb-2953	18	58	volume	volume	NOUN
ajbmeb-2953	18	59	to	to	ADP
ajbmeb-2953	18	60	total	total	ADJ
ajbmeb-2953	18	61	assets	asset	NOUN
ajbmeb-2953	18	62	;	;	PUNCT
ajbmeb-2953	18	63	*	*	PUNCT
ajbmeb-2953	18	64	ratio	ratio	NOUN
ajbmeb-2953	18	65	of	of	ADP
ajbmeb-2953	18	66	gross	gross	ADJ
ajbmeb-2953	18	67	profit	profit	NOUN
ajbmeb-2953	18	68	to	to	ADP
ajbmeb-2953	18	69	total	total	ADJ
ajbmeb-2953	18	70	assets	asset	NOUN
ajbmeb-2953	18	71	[	[	X
ajbmeb-2953	18	72	6	6	NUM
ajbmeb-2953	18	73	]	]	PUNCT
ajbmeb-2953	18	74	.	.	PUNCT
ajbmeb-2953	19	1	one	one	NUM
ajbmeb-2953	19	2	of	of	ADP
ajbmeb-2953	19	3	the	the	DET
ajbmeb-2953	19	4	main	main	ADJ
ajbmeb-2953	19	5	indicators	indicator	NOUN
ajbmeb-2953	19	6	of	of	ADP
ajbmeb-2953	19	7	the	the	DET
ajbmeb-2953	19	8	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	19	9	of	of	ADP
ajbmeb-2953	19	10	companies	company	NOUN
ajbmeb-2953	19	11	is	be	AUX
ajbmeb-2953	19	12	the	the	DET
ajbmeb-2953	19	13	current	current	ADJ
ajbmeb-2953	19	14	liquidity	liquidity	NOUN
ajbmeb-2953	19	15	ratio	ratio	NOUN
ajbmeb-2953	19	16	.	.	PUNCT
ajbmeb-2953	20	1	however	however	ADV
ajbmeb-2953	20	2	,	,	PUNCT
ajbmeb-2953	20	3	economists	economist	NOUN
ajbmeb-2953	20	4	express	express	VERB
ajbmeb-2953	20	5	different	different	ADJ
ajbmeb-2953	20	6	opinions	opinion	NOUN
ajbmeb-2953	20	7	regarding	regard	VERB
ajbmeb-2953	20	8	the	the	DET
ajbmeb-2953	20	9	standard	standard	ADJ
ajbmeb-2953	20	10	level	level	NOUN
ajbmeb-2953	20	11	of	of	ADP
ajbmeb-2953	20	12	this	this	DET
ajbmeb-2953	20	13	indicator	indicator	NOUN
ajbmeb-2953	20	14	.	.	PUNCT
ajbmeb-2953	21	1	for	for	ADP
ajbmeb-2953	21	2	example	example	NOUN
ajbmeb-2953	21	3	,	,	PUNCT
ajbmeb-2953	21	4	n.	n.	PROPN
ajbmeb-2953	21	5	s.	s.	PROPN
ajbmeb-2953	21	6	kostyuchenko	kostyuchenko	PROPN
ajbmeb-2953	21	7	indicates	indicate	VERB
ajbmeb-2953	21	8	a	a	DET
ajbmeb-2953	21	9	range	range	NOUN
ajbmeb-2953	21	10	from	from	ADP
ajbmeb-2953	21	11	0.1	0.1	NUM
ajbmeb-2953	21	12	to	to	PART
ajbmeb-2953	21	13	0.9	0.9	NUM
ajbmeb-2953	21	14	as	as	ADP
ajbmeb-2953	21	15	the	the	DET
ajbmeb-2953	21	16	standard	standard	ADJ
ajbmeb-2953	21	17	value	value	NOUN
ajbmeb-2953	21	18	of	of	ADP
ajbmeb-2953	21	19	the	the	DET
ajbmeb-2953	21	20	current	current	ADJ
ajbmeb-2953	21	21	liquidity	liquidity	NOUN
ajbmeb-2953	21	22	ratio	ratio	NOUN
ajbmeb-2953	21	23	for	for	ADP
ajbmeb-2953	21	24	the	the	DET
ajbmeb-2953	21	25	trade	trade	NOUN
ajbmeb-2953	21	26	sector	sector	NOUN
ajbmeb-2953	21	27	;	;	PUNCT
ajbmeb-2953	21	28	other	other	ADJ
ajbmeb-2953	21	29	authors	author	NOUN
ajbmeb-2953	21	30	,	,	PUNCT
ajbmeb-2953	21	31	for	for	ADP
ajbmeb-2953	21	32	example	example	NOUN
ajbmeb-2953	21	33	,	,	PUNCT
ajbmeb-2953	21	34	d.	d.	PROPN
ajbmeb-2953	21	35	a.	a.	PROPN
ajbmeb-2953	21	36	endovitsky	endovitsky	PROPN
ajbmeb-2953	21	37	,	,	PUNCT
ajbmeb-2953	21	38	without	without	ADP
ajbmeb-2953	21	39	distinguishing	distinguish	VERB
ajbmeb-2953	21	40	between	between	ADP
ajbmeb-2953	21	41	industries	industry	NOUN
ajbmeb-2953	21	42	,	,	PUNCT
ajbmeb-2953	21	43	adhere	adhere	VERB
ajbmeb-2953	21	44	to	to	ADP
ajbmeb-2953	21	45	the	the	DET
ajbmeb-2953	21	46	range	range	NOUN
ajbmeb-2953	21	47	from	from	ADP
ajbmeb-2953	21	48	1	1	NUM
ajbmeb-2953	21	49	to	to	ADP
ajbmeb-2953	21	50	2	2	NUM
ajbmeb-2953	21	51	;	;	PUNCT
ajbmeb-2953	21	52	and	and	CCONJ
ajbmeb-2953	21	53	specialists	specialist	NOUN
ajbmeb-2953	21	54	from	from	ADP
ajbmeb-2953	21	55	rosselkhozbank	rosselkhozbank	NOUN
ajbmeb-2953	21	56	generally	generally	ADV
ajbmeb-2953	21	57	use	use	VERB
ajbmeb-2953	21	58	a	a	DET
ajbmeb-2953	21	59	value	value	NOUN
ajbmeb-2953	21	60	greater	great	ADJ
ajbmeb-2953	21	61	than	than	ADP
ajbmeb-2953	21	62	1.3	1.3	NUM
ajbmeb-2953	21	63	in	in	ADP
ajbmeb-2953	21	64	their	their	PRON
ajbmeb-2953	21	65	work	work	NOUN
ajbmeb-2953	21	66	for	for	ADP
ajbmeb-2953	21	67	trade	trade	NOUN
ajbmeb-2953	21	68	enterprises	enterprise	NOUN
ajbmeb-2953	21	69	[	[	X
ajbmeb-2953	21	70	7	7	NUM
ajbmeb-2953	21	71	]	]	PUNCT
ajbmeb-2953	21	72	.	.	PUNCT
ajbmeb-2953	22	1	n.	n.	PROPN
ajbmeb-2953	22	2	kulikov	kulikov	PROPN
ajbmeb-2953	22	3	and	and	CCONJ
ajbmeb-2953	22	4	a.	a.	NOUN
ajbmeb-2953	22	5	koveshnikova	koveshnikova	PROPN
ajbmeb-2953	22	6	claim	claim	VERB
ajbmeb-2953	22	7	that	that	SCONJ
ajbmeb-2953	22	8	"	"	PUNCT
ajbmeb-2953	22	9	not	not	PART
ajbmeb-2953	22	10	all	all	DET
ajbmeb-2953	22	11	data	datum	NOUN
ajbmeb-2953	22	12	can	can	AUX
ajbmeb-2953	22	13	be	be	AUX
ajbmeb-2953	22	14	verified	verify	VERB
ajbmeb-2953	22	15	,	,	PUNCT
ajbmeb-2953	22	16	for	for	ADP
ajbmeb-2953	22	17	example	example	NOUN
ajbmeb-2953	22	18	,	,	PUNCT
ajbmeb-2953	22	19	having	have	VERB
ajbmeb-2953	22	20	overdue	overdue	ADJ
ajbmeb-2953	22	21	accounts	account	NOUN
ajbmeb-2953	22	22	payable	payable	ADJ
ajbmeb-2953	22	23	or	or	CCONJ
ajbmeb-2953	22	24	receivable	receivable	ADJ
ajbmeb-2953	22	25	,	,	PUNCT
ajbmeb-2953	22	26	organizations	organization	NOUN
ajbmeb-2953	22	27	try	try	VERB
ajbmeb-2953	22	28	not	not	PART
ajbmeb-2953	22	29	to	to	PART
ajbmeb-2953	22	30	show	show	VERB
ajbmeb-2953	22	31	this	this	PRON
ajbmeb-2953	22	32	and	and	CCONJ
ajbmeb-2953	22	33	classify	classify	VERB
ajbmeb-2953	22	34	all	all	DET
ajbmeb-2953	22	35	debt	debt	NOUN
ajbmeb-2953	22	36	as	as	ADP
ajbmeb-2953	22	37	urgent	urgent	ADJ
ajbmeb-2953	22	38	,	,	PUNCT
ajbmeb-2953	22	39	thereby	thereby	ADV
ajbmeb-2953	22	40	improving	improve	VERB
ajbmeb-2953	22	41	their	their	PRON
ajbmeb-2953	22	42	positions	position	NOUN
ajbmeb-2953	22	43	.	.	PUNCT
ajbmeb-2953	23	1	some	some	DET
ajbmeb-2953	23	2	enterprises	enterprise	NOUN
ajbmeb-2953	23	3	reflect	reflect	VERB
ajbmeb-2953	23	4	"	"	PUNCT
ajbmeb-2953	23	5	air	air	NOUN
ajbmeb-2953	23	6	"	"	PUNCT
ajbmeb-2953	23	7	in	in	ADP
ajbmeb-2953	23	8	reserves	reserve	NOUN
ajbmeb-2953	23	9	,	,	PUNCT
ajbmeb-2953	23	10	and	and	CCONJ
ajbmeb-2953	23	11	therefore	therefore	ADV
ajbmeb-2953	23	12	,	,	PUNCT
ajbmeb-2953	23	13	especially	especially	ADV
ajbmeb-2953	23	14	if	if	SCONJ
ajbmeb-2953	23	15	these	these	DET
ajbmeb-2953	23	16	reserves	reserve	NOUN
ajbmeb-2953	23	17	are	be	AUX
ajbmeb-2953	23	18	collateral	collateral	ADJ
ajbmeb-2953	23	19	,	,	PUNCT
ajbmeb-2953	23	20	it	it	PRON
ajbmeb-2953	23	21	is	be	AUX
ajbmeb-2953	23	22	necessary	necessary	ADJ
ajbmeb-2953	23	23	to	to	PART
ajbmeb-2953	23	24	check	check	VERB
ajbmeb-2953	23	25	their	their	PRON
ajbmeb-2953	23	26	actual	actual	ADJ
ajbmeb-2953	23	27	availability	availability	NOUN
ajbmeb-2953	23	28	.	.	PUNCT
ajbmeb-2953	24	1	in	in	ADP
ajbmeb-2953	24	2	general	general	ADJ
ajbmeb-2953	24	3	,	,	PUNCT
ajbmeb-2953	24	4	borrowers	borrower	NOUN
ajbmeb-2953	24	5	"	"	PUNCT
ajbmeb-2953	24	6	decorate	decorate	VERB
ajbmeb-2953	24	7	"	"	PUNCT
ajbmeb-2953	24	8	their	their	PRON
ajbmeb-2953	24	9	balance	balance	NOUN
ajbmeb-2953	24	10	as	as	ADV
ajbmeb-2953	24	11	much	much	ADV
ajbmeb-2953	24	12	as	as	ADP
ajbmeb-2953	24	13	possible	possible	ADJ
ajbmeb-2953	24	14	,	,	PUNCT
ajbmeb-2953	24	15	some	some	PRON
ajbmeb-2953	24	16	,	,	PUNCT
ajbmeb-2953	24	17	in	in	ADP
ajbmeb-2953	24	18	order	order	NOUN
ajbmeb-2953	24	19	to	to	PART
ajbmeb-2953	24	20	increase	increase	VERB
ajbmeb-2953	24	21	the	the	DET
ajbmeb-2953	24	22	current	current	ADJ
ajbmeb-2953	24	23	liquidity	liquidity	NOUN
ajbmeb-2953	24	24	ratio	ratio	NOUN
ajbmeb-2953	24	25	,	,	PUNCT
ajbmeb-2953	24	26	transfer	transfer	VERB
ajbmeb-2953	24	27	"	"	PUNCT
ajbmeb-2953	24	28	short	short	ADJ
ajbmeb-2953	24	29	money	money	NOUN
ajbmeb-2953	24	30	"	"	PUNCT
ajbmeb-2953	24	31	to	to	ADP
ajbmeb-2953	24	32	the	the	DET
ajbmeb-2953	24	33	line	line	NOUN
ajbmeb-2953	24	34	"	"	PUNCT
ajbmeb-2953	24	35	long	long	ADJ
ajbmeb-2953	24	36	-	-	PUNCT
ajbmeb-2953	24	37	term	term	NOUN
ajbmeb-2953	24	38	liabilities	liability	NOUN
ajbmeb-2953	24	39	"	"	PUNCT
ajbmeb-2953	24	40	.	.	PUNCT
ajbmeb-2953	25	1	the	the	DET
ajbmeb-2953	25	2	inability	inability	NOUN
ajbmeb-2953	25	3	to	to	PART
ajbmeb-2953	25	4	verify	verify	VERB
ajbmeb-2953	25	5	the	the	DET
ajbmeb-2953	25	6	reliability	reliability	NOUN
ajbmeb-2953	25	7	of	of	ADP
ajbmeb-2953	25	8	the	the	DET
ajbmeb-2953	25	9	necessary	necessary	ADJ
ajbmeb-2953	25	10	information	information	NOUN
ajbmeb-2953	25	11	is	be	AUX
ajbmeb-2953	25	12	another	another	DET
ajbmeb-2953	25	13	significant	significant	ADJ
ajbmeb-2953	25	14	drawback	drawback	NOUN
ajbmeb-2953	25	15	of	of	ADP
ajbmeb-2953	25	16	complex	complex	ADJ
ajbmeb-2953	25	17	models	model	NOUN
ajbmeb-2953	25	18	"	"	PUNCT
ajbmeb-2953	25	19	[	[	X
ajbmeb-2953	25	20	8	8	NUM
ajbmeb-2953	25	21	]	]	PUNCT
ajbmeb-2953	25	22	.	.	PUNCT
ajbmeb-2953	26	1	according	accord	VERB
ajbmeb-2953	26	2	to	to	ADP
ajbmeb-2953	26	3	i.	i.	PROPN
ajbmeb-2953	26	4	alimardonov	alimardonov	PROPN
ajbmeb-2953	26	5	,	,	PUNCT
ajbmeb-2953	26	6	“	"	PUNCT
ajbmeb-2953	26	7	it	it	PRON
ajbmeb-2953	26	8	is	be	AUX
ajbmeb-2953	26	9	necessary	necessary	ADJ
ajbmeb-2953	26	10	to	to	PART
ajbmeb-2953	26	11	improve	improve	VERB
ajbmeb-2953	26	12	the	the	DET
ajbmeb-2953	26	13	methodology	methodology	NOUN
ajbmeb-2953	26	14	for	for	ADP
ajbmeb-2953	26	15	determining	determine	VERB
ajbmeb-2953	26	16	the	the	DET
ajbmeb-2953	26	17	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	26	18	of	of	ADP
ajbmeb-2953	26	19	small	small	ADJ
ajbmeb-2953	26	20	business	business	NOUN
ajbmeb-2953	26	21	entities	entity	NOUN
ajbmeb-2953	26	22	by	by	ADP
ajbmeb-2953	26	23	including	include	VERB
ajbmeb-2953	26	24	in	in	ADP
ajbmeb-2953	26	25	the	the	DET
ajbmeb-2953	26	26	composition	composition	NOUN
ajbmeb-2953	26	27	of	of	ADP
ajbmeb-2953	26	28	financial	financial	ADJ
ajbmeb-2953	26	29	ratios	ratio	NOUN
ajbmeb-2953	26	30	as	as	ADP
ajbmeb-2953	26	31	an	an	DET
ajbmeb-2953	26	32	addition	addition	NOUN
ajbmeb-2953	26	33	the	the	DET
ajbmeb-2953	26	34	profit	profit	NOUN
ajbmeb-2953	26	35	margin	margin	NOUN
ajbmeb-2953	26	36	,	,	PUNCT
ajbmeb-2953	26	37	debt	debt	NOUN
ajbmeb-2953	26	38	services	service	NOUN
ajbmeb-2953	26	39	and	and	CCONJ
ajbmeb-2953	26	40	accounts	account	VERB
ajbmeb-2953	26	41	payable	payable	ADJ
ajbmeb-2953	26	42	turnover	turnover	NOUN
ajbmeb-2953	26	43	ratios	ratio	NOUN
ajbmeb-2953	26	44	”	"	PUNCT
ajbmeb-2953	27	1	[	[	X
ajbmeb-2953	27	2	9	9	NUM
ajbmeb-2953	27	3	]	]	PUNCT
ajbmeb-2953	27	4	.	.	PUNCT
ajbmeb-2953	28	1	american	american	PROPN
ajbmeb-2953	28	2	journal	journal	PROPN
ajbmeb-2953	28	3	of	of	ADP
ajbmeb-2953	28	4	business	business	NOUN
ajbmeb-2953	28	5	management	management	NOUN
ajbmeb-2953	28	6	,	,	PUNCT
ajbmeb-2953	28	7	economics	economic	NOUN
ajbmeb-2953	28	8	and	and	CCONJ
ajbmeb-2953	28	9	banking	banking	NOUN
ajbmeb-2953	28	10	volume	volume	NOUN
ajbmeb-2953	28	11	36	36	NUM
ajbmeb-2953	28	12	may2025	may2025	NOUN
ajbmeb-2953	28	13	p	p	NOUN
ajbmeb-2953	28	14	a	a	DET
ajbmeb-2953	28	15	g	g	NOUN
ajbmeb-2953	28	16	e	e	NOUN
ajbmeb-2953	28	17	|	|	ADV
ajbmeb-2953	28	18	57	57	NUM
ajbmeb-2953	28	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2953	28	20	research	research	NOUN
ajbmeb-2953	28	21	methodology	methodology	NOUN
ajbmeb-2953	28	22	to	to	PART
ajbmeb-2953	28	23	conduct	conduct	VERB
ajbmeb-2953	28	24	this	this	DET
ajbmeb-2953	28	25	study	study	NOUN
ajbmeb-2953	28	26	,	,	PUNCT
ajbmeb-2953	28	27	we	we	PRON
ajbmeb-2953	28	28	used	use	VERB
ajbmeb-2953	28	29	various	various	ADJ
ajbmeb-2953	28	30	methods	method	NOUN
ajbmeb-2953	28	31	and	and	CCONJ
ajbmeb-2953	28	32	approaches	approach	NOUN
ajbmeb-2953	28	33	,	,	PUNCT
ajbmeb-2953	28	34	in	in	ADP
ajbmeb-2953	28	35	particular	particular	ADJ
ajbmeb-2953	28	36	,	,	PUNCT
ajbmeb-2953	28	37	the	the	DET
ajbmeb-2953	28	38	coefficient	coefficient	NOUN
ajbmeb-2953	28	39	method	method	NOUN
ajbmeb-2953	28	40	for	for	ADP
ajbmeb-2953	28	41	determining	determine	VERB
ajbmeb-2953	28	42	the	the	DET
ajbmeb-2953	28	43	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	28	44	of	of	ADP
ajbmeb-2953	28	45	companies	company	NOUN
ajbmeb-2953	28	46	,	,	PUNCT
ajbmeb-2953	28	47	as	as	ADV
ajbmeb-2953	28	48	well	well	ADV
ajbmeb-2953	28	49	as	as	ADP
ajbmeb-2953	28	50	the	the	DET
ajbmeb-2953	28	51	expert	expert	NOUN
ajbmeb-2953	28	52	assessment	assessment	NOUN
ajbmeb-2953	28	53	method	method	NOUN
ajbmeb-2953	28	54	.	.	PUNCT
ajbmeb-2953	29	1	in	in	ADP
ajbmeb-2953	29	2	our	our	PRON
ajbmeb-2953	29	3	analysis	analysis	NOUN
ajbmeb-2953	29	4	of	of	ADP
ajbmeb-2953	29	5	the	the	DET
ajbmeb-2953	29	6	current	current	ADJ
ajbmeb-2953	29	7	state	state	NOUN
ajbmeb-2953	29	8	of	of	ADP
ajbmeb-2953	29	9	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	29	10	,	,	PUNCT
ajbmeb-2953	29	11	we	we	PRON
ajbmeb-2953	29	12	used	use	VERB
ajbmeb-2953	29	13	data	datum	NOUN
ajbmeb-2953	29	14	from	from	ADP
ajbmeb-2953	29	15	annual	annual	ADJ
ajbmeb-2953	29	16	reports	report	NOUN
ajbmeb-2953	29	17	of	of	ADP
ajbmeb-2953	29	18	domestic	domestic	ADJ
ajbmeb-2953	29	19	and	and	CCONJ
ajbmeb-2953	29	20	foreign	foreign	ADJ
ajbmeb-2953	29	21	companies	company	NOUN
ajbmeb-2953	29	22	.	.	PUNCT
ajbmeb-2953	30	1	analysis	analysis	NOUN
ajbmeb-2953	30	2	and	and	CCONJ
ajbmeb-2953	30	3	results	result	NOUN
ajbmeb-2953	30	4	in	in	ADP
ajbmeb-2953	30	5	many	many	ADJ
ajbmeb-2953	30	6	countries	country	NOUN
ajbmeb-2953	30	7	of	of	ADP
ajbmeb-2953	30	8	the	the	DET
ajbmeb-2953	30	9	world	world	NOUN
ajbmeb-2953	30	10	,	,	PUNCT
ajbmeb-2953	30	11	commercial	commercial	ADJ
ajbmeb-2953	30	12	banks	bank	NOUN
ajbmeb-2953	30	13	use	use	VERB
ajbmeb-2953	30	14	financial	financial	ADJ
ajbmeb-2953	30	15	ratios	ratio	NOUN
ajbmeb-2953	30	16	when	when	SCONJ
ajbmeb-2953	30	17	assessing	assess	VERB
ajbmeb-2953	30	18	the	the	DET
ajbmeb-2953	30	19	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	30	20	of	of	ADP
ajbmeb-2953	30	21	clients	client	NOUN
ajbmeb-2953	30	22	.	.	PUNCT
ajbmeb-2953	31	1	table	table	NOUN
ajbmeb-2953	31	2	1	1	NUM
ajbmeb-2953	31	3	financial	financial	ADJ
ajbmeb-2953	31	4	ratios	ratio	NOUN
ajbmeb-2953	31	5	used	use	VERB
ajbmeb-2953	31	6	to	to	PART
ajbmeb-2953	31	7	determine	determine	VERB
ajbmeb-2953	31	8	the	the	DET
ajbmeb-2953	31	9	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	31	10	of	of	ADP
ajbmeb-2953	31	11	clients	client	NOUN
ajbmeb-2953	31	12	in	in	ADP
ajbmeb-2953	31	13	the	the	DET
ajbmeb-2953	31	14	bank	bank	NOUN
ajbmeb-2953	31	15	"	"	PUNCT
ajbmeb-2953	31	16	new	new	PROPN
ajbmeb-2953	31	17	york	york	PROPN
ajbmeb-2953	31	18	"	"	PUNCT
ajbmeb-2953	31	19	(	(	PUNCT
ajbmeb-2953	31	20	usa	usa	PROPN
ajbmeb-2953	31	21	)	)	PUNCT
ajbmeb-2953	32	1	[	[	X
ajbmeb-2953	32	2	10	10	NUM
ajbmeb-2953	32	3	]	]	X
ajbmeb-2953	32	4	financial	financial	ADJ
ajbmeb-2953	32	5	ratios	ratio	NOUN
ajbmeb-2953	32	6	normative	normative	ADJ
ajbmeb-2953	32	7	level	level	NOUN
ajbmeb-2953	32	8	current	current	ADJ
ajbmeb-2953	32	9	liquidity	liquidity	NOUN
ajbmeb-2953	32	10	ratio	ratio	NOUN
ajbmeb-2953	32	11	2:1	2:1	NUM
ajbmeb-2953	32	12	quick	quick	ADJ
ajbmeb-2953	32	13	ratio	ratio	NOUN
ajbmeb-2953	32	14	1:1	1:1	NUM
ajbmeb-2953	32	15	financial	financial	ADJ
ajbmeb-2953	32	16	leverage	leverage	NOUN
ajbmeb-2953	32	17	ratio	ratio	NOUN
ajbmeb-2953	32	18	1:1	1:1	NUM
ajbmeb-2953	32	19	financial	financial	ADJ
ajbmeb-2953	32	20	margin	margin	NOUN
ajbmeb-2953	32	21	ratio	ratio	NOUN
ajbmeb-2953	32	22	up	up	ADP
ajbmeb-2953	32	23	to	to	PART
ajbmeb-2953	32	24	1	1	NUM
ajbmeb-2953	32	25	new	new	PROPN
ajbmeb-2953	32	26	york	york	PROPN
ajbmeb-2953	32	27	bank	bank	PROPN
ajbmeb-2953	32	28	uses	use	VERB
ajbmeb-2953	32	29	4	4	NUM
ajbmeb-2953	32	30	financial	financial	ADJ
ajbmeb-2953	32	31	ratios	ratio	NOUN
ajbmeb-2953	32	32	when	when	SCONJ
ajbmeb-2953	32	33	determining	determine	VERB
ajbmeb-2953	32	34	the	the	DET
ajbmeb-2953	32	35	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	32	36	of	of	ADP
ajbmeb-2953	32	37	clients	client	NOUN
ajbmeb-2953	32	38	,	,	PUNCT
ajbmeb-2953	32	39	and	and	CCONJ
ajbmeb-2953	32	40	each	each	DET
ajbmeb-2953	32	41	financial	financial	ADJ
ajbmeb-2953	32	42	ratio	ratio	NOUN
ajbmeb-2953	32	43	has	have	VERB
ajbmeb-2953	32	44	a	a	DET
ajbmeb-2953	32	45	standard	standard	ADJ
ajbmeb-2953	32	46	value	value	NOUN
ajbmeb-2953	32	47	.	.	PUNCT
ajbmeb-2953	33	1	commercial	commercial	ADJ
ajbmeb-2953	33	2	banks	bank	NOUN
ajbmeb-2953	33	3	in	in	ADP
ajbmeb-2953	33	4	the	the	DET
ajbmeb-2953	33	5	united	united	PROPN
ajbmeb-2953	33	6	states	states	PROPN
ajbmeb-2953	33	7	focus	focus	VERB
ajbmeb-2953	33	8	on	on	ADP
ajbmeb-2953	33	9	the	the	DET
ajbmeb-2953	33	10	borrower	borrower	NOUN
ajbmeb-2953	33	11	's	's	PART
ajbmeb-2953	33	12	liquidity	liquidity	NOUN
ajbmeb-2953	33	13	when	when	SCONJ
ajbmeb-2953	33	14	determining	determine	VERB
ajbmeb-2953	33	15	the	the	DET
ajbmeb-2953	33	16	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	33	17	of	of	ADP
ajbmeb-2953	33	18	their	their	PRON
ajbmeb-2953	33	19	clients	client	NOUN
ajbmeb-2953	33	20	.	.	PUNCT
ajbmeb-2953	34	1	indeed	indeed	ADV
ajbmeb-2953	34	2	,	,	PUNCT
ajbmeb-2953	34	3	the	the	DET
ajbmeb-2953	34	4	repayment	repayment	NOUN
ajbmeb-2953	34	5	of	of	ADP
ajbmeb-2953	34	6	loans	loan	NOUN
ajbmeb-2953	34	7	directly	directly	ADV
ajbmeb-2953	34	8	depends	depend	VERB
ajbmeb-2953	34	9	on	on	ADP
ajbmeb-2953	34	10	the	the	DET
ajbmeb-2953	34	11	level	level	NOUN
ajbmeb-2953	34	12	of	of	ADP
ajbmeb-2953	34	13	the	the	DET
ajbmeb-2953	34	14	borrower	borrower	NOUN
ajbmeb-2953	34	15	's	's	PART
ajbmeb-2953	34	16	current	current	ADJ
ajbmeb-2953	34	17	liquidity	liquidity	NOUN
ajbmeb-2953	34	18	.	.	PUNCT
ajbmeb-2953	35	1	also	also	ADV
ajbmeb-2953	35	2	,	,	PUNCT
ajbmeb-2953	35	3	when	when	SCONJ
ajbmeb-2953	35	4	determining	determine	VERB
ajbmeb-2953	35	5	the	the	DET
ajbmeb-2953	35	6	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	35	7	of	of	ADP
ajbmeb-2953	35	8	borrowers	borrower	NOUN
ajbmeb-2953	35	9	,	,	PUNCT
ajbmeb-2953	35	10	the	the	DET
ajbmeb-2953	35	11	level	level	NOUN
ajbmeb-2953	35	12	of	of	ADP
ajbmeb-2953	35	13	financial	financial	ADJ
ajbmeb-2953	35	14	margin	margin	NOUN
ajbmeb-2953	35	15	is	be	AUX
ajbmeb-2953	35	16	of	of	ADP
ajbmeb-2953	35	17	great	great	ADJ
ajbmeb-2953	35	18	importance	importance	NOUN
ajbmeb-2953	35	19	.	.	PUNCT
ajbmeb-2953	36	1	since	since	SCONJ
ajbmeb-2953	36	2	the	the	DET
ajbmeb-2953	36	3	financial	financial	ADJ
ajbmeb-2953	36	4	margin	margin	NOUN
ajbmeb-2953	36	5	ratio	ratio	NOUN
ajbmeb-2953	36	6	shows	show	VERB
ajbmeb-2953	36	7	the	the	DET
ajbmeb-2953	36	8	level	level	NOUN
ajbmeb-2953	36	9	of	of	ADP
ajbmeb-2953	36	10	the	the	DET
ajbmeb-2953	36	11	borrower	borrower	NOUN
ajbmeb-2953	36	12	's	's	PART
ajbmeb-2953	36	13	debt	debt	NOUN
ajbmeb-2953	36	14	on	on	ADP
ajbmeb-2953	36	15	loans	loan	NOUN
ajbmeb-2953	36	16	in	in	ADP
ajbmeb-2953	36	17	relation	relation	NOUN
ajbmeb-2953	36	18	to	to	ADP
ajbmeb-2953	36	19	net	net	ADJ
ajbmeb-2953	36	20	assets	asset	NOUN
ajbmeb-2953	36	21	(	(	PUNCT
ajbmeb-2953	36	22	assets	asset	NOUN
ajbmeb-2953	36	23	debt	debt	NOUN
ajbmeb-2953	36	24	obligations	obligation	NOUN
ajbmeb-2953	36	25	)	)	PUNCT
ajbmeb-2953	36	26	.	.	PUNCT
ajbmeb-2953	37	1	table	table	NOUN
ajbmeb-2953	37	2	2	2	NUM
ajbmeb-2953	37	3	financial	financial	ADJ
ajbmeb-2953	37	4	ratios	ratio	NOUN
ajbmeb-2953	37	5	used	use	VERB
ajbmeb-2953	37	6	in	in	ADP
ajbmeb-2953	37	7	large	large	ADJ
ajbmeb-2953	37	8	commercial	commercial	ADJ
ajbmeb-2953	37	9	banks	bank	NOUN
ajbmeb-2953	37	10	of	of	ADP
ajbmeb-2953	37	11	uzbekistan1	uzbekistan1	PROPN
ajbmeb-2953	38	1	no	no	INTJ
ajbmeb-2953	38	2	.	.	PUNCT
ajbmeb-2953	39	1	financial	financial	ADJ
ajbmeb-2953	39	2	ratios	ratio	NOUN
ajbmeb-2953	39	3	i	i	NOUN
ajbmeb-2953	39	4	-	-	PUNCT
ajbmeb-2953	39	5	class	class	NOUN
ajbmeb-2953	39	6	ii	ii	NOUN
ajbmeb-2953	39	7	-	-	PUNCT
ajbmeb-2953	39	8	class	class	NOUN
ajbmeb-2953	39	9	iii	iii	NOUN
ajbmeb-2953	39	10	class	class	NOUN
ajbmeb-2953	39	11	1	1	NUM
ajbmeb-2953	39	12	liquidity	liquidity	NOUN
ajbmeb-2953	39	13	ratio	ratio	NOUN
ajbmeb-2953	39	14	(	(	PUNCT
ajbmeb-2953	39	15	lr	lr	NOUN
ajbmeb-2953	39	16	)	)	PUNCT
ajbmeb-2953	39	17	cl	cl	NOUN
ajbmeb-2953	39	18	>	>	X
ajbmeb-2953	39	19	1.5	1.5	NUM
ajbmeb-2953	39	20	1.5	1.5	NUM
ajbmeb-2953	39	21	>	>	PUNCT
ajbmeb-2953	39	22	cl	cl	NOUN
ajbmeb-2953	39	23	>	>	PUNCT
ajbmeb-2953	39	24	1.0	1.0	NUM
ajbmeb-2953	39	25	1.0	1.0	NUM
ajbmeb-2953	39	26	>	>	X
ajbmeb-2953	39	27	cl	cl	NOUN
ajbmeb-2953	39	28	>	>	SYM
ajbmeb-2953	39	29	0.5	0.5	NUM
ajbmeb-2953	39	30	2	2	NUM
ajbmeb-2953	39	31	coverage	coverage	NOUN
ajbmeb-2953	39	32	coefficient	coefficient	NOUN
ajbmeb-2953	39	33	(	(	PUNCT
ajbmeb-2953	39	34	kp	kp	INTJ
ajbmeb-2953	39	35	)	)	PUNCT
ajbmeb-2953	39	36	kp	kp	PROPN
ajbmeb-2953	39	37	>	>	X
ajbmeb-2953	39	38	2.0	2.0	NUM
ajbmeb-2953	39	39	2.0	2.0	NUM
ajbmeb-2953	39	40	>	>	PUNCT
ajbmeb-2953	39	41	kp	kp	PROPN
ajbmeb-2953	39	42	>	>	X
ajbmeb-2953	39	43	1.0	1.0	NUM
ajbmeb-2953	39	44	1.0	1.0	NUM
ajbmeb-2953	39	45	>	>	X
ajbmeb-2953	39	46	kp	kp	PROPN
ajbmeb-2953	39	47	>	>	X
ajbmeb-2953	39	48	0.5	0.5	NUM
ajbmeb-2953	39	49	3	3	NUM
ajbmeb-2953	39	50	autonomy	autonomy	NOUN
ajbmeb-2953	39	51	coefficient	coefficient	NOUN
ajbmeb-2953	39	52	(	(	PUNCT
ajbmeb-2953	39	53	ka	ka	NOUN
ajbmeb-2953	39	54	)	)	PUNCT
ajbmeb-2953	39	55	km	km	NOUN
ajbmeb-2953	39	56	>	>	X
ajbmeb-2953	39	57	0.6	0.6	NUM
ajbmeb-2953	39	58	0.6	0.6	NUM
ajbmeb-2953	39	59	>	>	X
ajbmeb-2953	39	60	ka	ka	PROPN
ajbmeb-2953	40	1	>	>	X
ajbmeb-2953	40	2	0.3	0.3	NUM
ajbmeb-2953	40	3	0.3	0.3	NUM
ajbmeb-2953	40	4	>	>	X
ajbmeb-2953	40	5	ka	ka	PROPN
ajbmeb-2953	41	1	>	>	X
ajbmeb-2953	41	2	0.15	0.15	NUM
ajbmeb-2953	41	3	as	as	SCONJ
ajbmeb-2953	41	4	can	can	AUX
ajbmeb-2953	41	5	be	be	AUX
ajbmeb-2953	41	6	seen	see	VERB
ajbmeb-2953	41	7	from	from	ADP
ajbmeb-2953	41	8	the	the	DET
ajbmeb-2953	41	9	data	datum	NOUN
ajbmeb-2953	41	10	in	in	ADP
ajbmeb-2953	41	11	table	table	NOUN
ajbmeb-2953	41	12	2	2	NUM
ajbmeb-2953	41	13	,	,	PUNCT
ajbmeb-2953	41	14	in	in	ADP
ajbmeb-2953	41	15	large	large	ADJ
ajbmeb-2953	41	16	commercial	commercial	ADJ
ajbmeb-2953	41	17	banks	bank	NOUN
ajbmeb-2953	41	18	of	of	ADP
ajbmeb-2953	41	19	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	41	20	,	,	PUNCT
ajbmeb-2953	41	21	the	the	DET
ajbmeb-2953	41	22	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	41	23	of	of	ADP
ajbmeb-2953	41	24	legal	legal	ADJ
ajbmeb-2953	41	25	entity	entity	NOUN
ajbmeb-2953	41	26	borrowers	borrower	NOUN
ajbmeb-2953	41	27	is	be	AUX
ajbmeb-2953	41	28	determined	determine	VERB
ajbmeb-2953	41	29	using	use	VERB
ajbmeb-2953	41	30	3	3	NUM
ajbmeb-2953	41	31	financial	financial	ADJ
ajbmeb-2953	41	32	ratios	ratio	NOUN
ajbmeb-2953	41	33	.	.	PUNCT
ajbmeb-2953	42	1	however	however	ADV
ajbmeb-2953	42	2	,	,	PUNCT
ajbmeb-2953	42	3	this	this	DET
ajbmeb-2953	42	4	method	method	NOUN
ajbmeb-2953	42	5	of	of	ADP
ajbmeb-2953	42	6	assessing	assess	VERB
ajbmeb-2953	42	7	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	42	8	has	have	VERB
ajbmeb-2953	42	9	a	a	DET
ajbmeb-2953	42	10	number	number	NOUN
ajbmeb-2953	42	11	of	of	ADP
ajbmeb-2953	42	12	shortcomings	shortcoming	NOUN
ajbmeb-2953	42	13	.	.	PUNCT
ajbmeb-2953	43	1	in	in	ADP
ajbmeb-2953	43	2	particular	particular	ADJ
ajbmeb-2953	43	3	,	,	PUNCT
ajbmeb-2953	43	4	this	this	DET
ajbmeb-2953	43	5	method	method	NOUN
ajbmeb-2953	43	6	does	do	AUX
ajbmeb-2953	43	7	not	not	PART
ajbmeb-2953	43	8	allow	allow	VERB
ajbmeb-2953	43	9	assessing	assess	VERB
ajbmeb-2953	43	10	the	the	DET
ajbmeb-2953	43	11	borrower	borrower	NOUN
ajbmeb-2953	43	12	's	's	PART
ajbmeb-2953	43	13	debt	debt	NOUN
ajbmeb-2953	43	14	burden	burden	NOUN
ajbmeb-2953	43	15	on	on	ADP
ajbmeb-2953	43	16	loans	loan	NOUN
ajbmeb-2953	43	17	received	receive	VERB
ajbmeb-2953	43	18	.	.	PUNCT
ajbmeb-2953	44	1	in	in	ADP
ajbmeb-2953	44	2	addition	addition	NOUN
ajbmeb-2953	44	3	,	,	PUNCT
ajbmeb-2953	44	4	it	it	PRON
ajbmeb-2953	44	5	does	do	AUX
ajbmeb-2953	44	6	not	not	PART
ajbmeb-2953	44	7	take	take	VERB
ajbmeb-2953	44	8	into	into	ADP
ajbmeb-2953	44	9	account	account	NOUN
ajbmeb-2953	44	10	the	the	DET
ajbmeb-2953	44	11	financial	financial	ADJ
ajbmeb-2953	44	12	results	result	NOUN
ajbmeb-2953	44	13	of	of	ADP
ajbmeb-2953	44	14	the	the	DET
ajbmeb-2953	44	15	borrower	borrower	NOUN
ajbmeb-2953	44	16	's	's	PART
ajbmeb-2953	44	17	activities	activity	NOUN
ajbmeb-2953	44	18	.	.	PUNCT
ajbmeb-2953	45	1	1these	1these	NUM
ajbmeb-2953	45	2	financial	financial	ADJ
ajbmeb-2953	45	3	ratios	ratio	NOUN
ajbmeb-2953	45	4	are	be	AUX
ajbmeb-2953	45	5	used	use	VERB
ajbmeb-2953	45	6	in	in	ADP
ajbmeb-2953	45	7	practice	practice	NOUN
ajbmeb-2953	45	8	by	by	ADP
ajbmeb-2953	45	9	large	large	ADJ
ajbmeb-2953	45	10	banks	bank	NOUN
ajbmeb-2953	45	11	in	in	ADP
ajbmeb-2953	45	12	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	45	13	.	.	PUNCT
ajbmeb-2953	46	1	american	american	PROPN
ajbmeb-2953	46	2	journal	journal	PROPN
ajbmeb-2953	46	3	of	of	ADP
ajbmeb-2953	46	4	business	business	NOUN
ajbmeb-2953	46	5	management	management	NOUN
ajbmeb-2953	46	6	,	,	PUNCT
ajbmeb-2953	46	7	economics	economic	NOUN
ajbmeb-2953	46	8	and	and	CCONJ
ajbmeb-2953	46	9	banking	banking	NOUN
ajbmeb-2953	46	10	volume	volume	NOUN
ajbmeb-2953	46	11	36	36	NUM
ajbmeb-2953	46	12	may2025	may2025	NOUN
ajbmeb-2953	46	13	p	p	NOUN
ajbmeb-2953	46	14	a	a	DET
ajbmeb-2953	46	15	g	g	NOUN
ajbmeb-2953	46	16	e	e	NOUN
ajbmeb-2953	46	17	|	|	ADV
ajbmeb-2953	46	18	58	58	NUM
ajbmeb-2953	46	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2953	46	20	figure	figure	NOUN
ajbmeb-2953	46	21	1	1	NUM
ajbmeb-2953	46	22	.	.	PUNCT
ajbmeb-2953	47	1	current	current	ADJ
ajbmeb-2953	47	2	liquidity	liquidity	NOUN
ajbmeb-2953	47	3	ratio	ratio	NOUN
ajbmeb-2953	47	4	of	of	ADP
ajbmeb-2953	47	5	general	general	ADJ
ajbmeb-2953	47	6	motors2	motors2	NOUN
ajbmeb-2953	47	7	as	as	SCONJ
ajbmeb-2953	47	8	can	can	AUX
ajbmeb-2953	47	9	be	be	AUX
ajbmeb-2953	47	10	seen	see	VERB
ajbmeb-2953	47	11	from	from	ADP
ajbmeb-2953	47	12	fig	fig	NOUN
ajbmeb-2953	47	13	.	.	PUNCT
ajbmeb-2953	48	1	1	1	NUM
ajbmeb-2953	48	2	,	,	PUNCT
ajbmeb-2953	48	3	in	in	ADP
ajbmeb-2953	48	4	2021	2021	NUM
ajbmeb-2953	48	5	-	-	SYM
ajbmeb-2953	48	6	2023	2023	NUM
ajbmeb-2953	48	7	,	,	PUNCT
ajbmeb-2953	48	8	the	the	DET
ajbmeb-2953	48	9	current	current	ADJ
ajbmeb-2953	48	10	liquidity	liquidity	NOUN
ajbmeb-2953	48	11	ratio	ratio	NOUN
ajbmeb-2953	48	12	of	of	ADP
ajbmeb-2953	48	13	general	general	ADJ
ajbmeb-2953	48	14	motors	motor	NOUN
ajbmeb-2953	48	15	remained	remain	VERB
ajbmeb-2953	48	16	stable	stable	ADJ
ajbmeb-2953	48	17	at	at	ADP
ajbmeb-2953	48	18	1	1	NUM
ajbmeb-2953	48	19	.	.	PUNCT
ajbmeb-2953	49	1	the	the	DET
ajbmeb-2953	49	2	relatively	relatively	ADV
ajbmeb-2953	49	3	high	high	ADJ
ajbmeb-2953	49	4	proportion	proportion	NOUN
ajbmeb-2953	49	5	of	of	ADP
ajbmeb-2953	49	6	short	short	ADJ
ajbmeb-2953	49	7	-	-	PUNCT
ajbmeb-2953	49	8	term	term	NOUN
ajbmeb-2953	49	9	accounts	account	NOUN
ajbmeb-2953	49	10	receivable	receivable	ADJ
ajbmeb-2953	49	11	and	and	CCONJ
ajbmeb-2953	49	12	cash	cash	NOUN
ajbmeb-2953	49	13	in	in	ADP
ajbmeb-2953	49	14	the	the	DET
ajbmeb-2953	49	15	volume	volume	NOUN
ajbmeb-2953	49	16	of	of	ADP
ajbmeb-2953	49	17	current	current	ADJ
ajbmeb-2953	49	18	assets	asset	NOUN
ajbmeb-2953	49	19	helps	help	VERB
ajbmeb-2953	49	20	to	to	PART
ajbmeb-2953	49	21	ensure	ensure	VERB
ajbmeb-2953	49	22	the	the	DET
ajbmeb-2953	49	23	stability	stability	NOUN
ajbmeb-2953	49	24	of	of	ADP
ajbmeb-2953	49	25	the	the	DET
ajbmeb-2953	49	26	current	current	ADJ
ajbmeb-2953	49	27	liquidity	liquidity	NOUN
ajbmeb-2953	49	28	ratio	ratio	NOUN
ajbmeb-2953	49	29	.	.	PUNCT
ajbmeb-2953	50	1	table	table	NOUN
ajbmeb-2953	50	2	3	3	NUM
ajbmeb-2953	50	3	structure	structure	NOUN
ajbmeb-2953	50	4	of	of	ADP
ajbmeb-2953	50	5	current	current	ADJ
ajbmeb-2953	50	6	assets	asset	NOUN
ajbmeb-2953	50	7	of	of	ADP
ajbmeb-2953	50	8	general	general	PROPN
ajbmeb-2953	50	9	motors3	motors3	PROPN
ajbmeb-2953	50	10	current	current	ADJ
ajbmeb-2953	50	11	assets	asset	NOUN
ajbmeb-2953	50	12	years	year	NOUN
ajbmeb-2953	50	13	2021	2021	NUM
ajbmeb-2953	50	14	2022	2022	NUM
ajbmeb-2953	50	15	2023	2023	NUM
ajbmeb-2953	50	16	cash	cash	NOUN
ajbmeb-2953	50	17	24.4	24.4	NUM
ajbmeb-2953	50	18	19.2	19.2	NUM
ajbmeb-2953	50	19	17.8	17.8	NUM
ajbmeb-2953	50	20	marketable	marketable	ADJ
ajbmeb-2953	50	21	securities	security	NOUN
ajbmeb-2953	50	22	9.8	9.8	NUM
ajbmeb-2953	50	23	12.2	12.2	NUM
ajbmeb-2953	50	24	6.9	6.9	NUM
ajbmeb-2953	50	25	current	current	ADJ
ajbmeb-2953	50	26	accounts	account	NOUN
ajbmeb-2953	50	27	receivable	receivable	ADJ
ajbmeb-2953	50	28	41.5	41.5	NUM
ajbmeb-2953	50	29	46.9	46.9	NUM
ajbmeb-2953	50	30	50.5	50.5	NUM
ajbmeb-2953	50	31	inventory	inventory	NOUN
ajbmeb-2953	50	32	15.8	15.8	NUM
ajbmeb-2953	50	33	12.9	12.9	NUM
ajbmeb-2953	50	34	15.8	15.8	NUM
ajbmeb-2953	50	35	other	other	ADJ
ajbmeb-2953	50	36	current	current	ADJ
ajbmeb-2953	50	37	assetsboška	assetsboška	PROPN
ajbmeb-2953	50	38	zhoriy	zhoriy	PROPN
ajbmeb-2953	50	39	aktivlar	aktivlar	PROPN
ajbmeb-2953	50	40	8.5	8.5	NUM
ajbmeb-2953	50	41	8.8	8.8	NUM
ajbmeb-2953	50	42	9.0	9.0	NUM
ajbmeb-2953	50	43	current	current	ADJ
ajbmeb-2953	50	44	assets	asset	NOUN
ajbmeb-2953	50	45	total	total	NOUN
ajbmeb-2953	50	46	100,0	100,0	NUM
ajbmeb-2953	50	47	100,0	100,0	NUM
ajbmeb-2953	50	48	100,0	100,0	NUM
ajbmeb-2953	50	49	general	general	ADJ
ajbmeb-2953	50	50	motors	motors	PROPN
ajbmeb-2953	50	51	'	'	PART
ajbmeb-2953	50	52	total	total	ADJ
ajbmeb-2953	50	53	current	current	ADJ
ajbmeb-2953	50	54	assets	asset	NOUN
ajbmeb-2953	50	55	.	.	PUNCT
ajbmeb-2953	51	1	figure	figure	VERB
ajbmeb-2953	51	2	2	2	NUM
ajbmeb-2953	51	3	.	.	PUNCT
ajbmeb-2953	51	4	current	current	ADJ
ajbmeb-2953	51	5	liquidity	liquidity	NOUN
ajbmeb-2953	51	6	ratio	ratio	NOUN
ajbmeb-2953	51	7	of	of	ADP
ajbmeb-2953	51	8	jsc	jsc	PROPN
ajbmeb-2953	51	9	uzbekneftgaz4	uzbekneftgaz4	PROPN
ajbmeb-2953	52	1	2the	2the	DET
ajbmeb-2953	52	2	figure	figure	NOUN
ajbmeb-2953	52	3	was	be	AUX
ajbmeb-2953	52	4	compiled	compile	VERB
ajbmeb-2953	52	5	by	by	ADP
ajbmeb-2953	52	6	the	the	DET
ajbmeb-2953	52	7	author	author	NOUN
ajbmeb-2953	52	8	based	base	VERB
ajbmeb-2953	52	9	on	on	ADP
ajbmeb-2953	52	10	data	datum	NOUN
ajbmeb-2953	52	11	from	from	ADP
ajbmeb-2953	52	12	the	the	DET
ajbmeb-2953	52	13	annual	annual	ADJ
ajbmeb-2953	52	14	reports	report	NOUN
ajbmeb-2953	52	15	of	of	ADP
ajbmeb-2953	52	16	general	general	ADJ
ajbmeb-2953	52	17	motors	motor	NOUN
ajbmeb-2953	52	18	.	.	PUNCT
ajbmeb-2953	53	1	3the	3the	DET
ajbmeb-2953	53	2	table	table	NOUN
ajbmeb-2953	53	3	was	be	AUX
ajbmeb-2953	53	4	compiled	compile	VERB
ajbmeb-2953	53	5	by	by	ADP
ajbmeb-2953	53	6	the	the	DET
ajbmeb-2953	53	7	author	author	NOUN
ajbmeb-2953	53	8	based	base	VERB
ajbmeb-2953	53	9	on	on	ADP
ajbmeb-2953	53	10	data	datum	NOUN
ajbmeb-2953	53	11	from	from	ADP
ajbmeb-2953	53	12	the	the	DET
ajbmeb-2953	53	13	annual	annual	ADJ
ajbmeb-2953	53	14	reports	report	NOUN
ajbmeb-2953	53	15	of	of	ADP
ajbmeb-2953	53	16	general	general	ADJ
ajbmeb-2953	53	17	motors	motor	NOUN
ajbmeb-2953	53	18	.	.	PUNCT
ajbmeb-2953	54	1	4the	4the	NUM
ajbmeb-2953	54	2	figure	figure	NOUN
ajbmeb-2953	54	3	was	be	AUX
ajbmeb-2953	54	4	compiled	compile	VERB
ajbmeb-2953	54	5	by	by	ADP
ajbmeb-2953	54	6	the	the	DET
ajbmeb-2953	54	7	author	author	NOUN
ajbmeb-2953	54	8	based	base	VERB
ajbmeb-2953	54	9	on	on	ADP
ajbmeb-2953	54	10	data	datum	NOUN
ajbmeb-2953	54	11	from	from	ADP
ajbmeb-2953	54	12	the	the	DET
ajbmeb-2953	54	13	annual	annual	ADJ
ajbmeb-2953	54	14	reports	report	NOUN
ajbmeb-2953	54	15	of	of	ADP
ajbmeb-2953	54	16	uzbekneftgaz	uzbekneftgaz	NOUN
ajbmeb-2953	54	17	.	.	PUNCT
ajbmeb-2953	55	1	1.10	1.10	NUM
ajbmeb-2953	55	2	1.11	1.11	NUM
ajbmeb-2953	55	3	1.08	1.08	NUM
ajbmeb-2953	55	4	1.06	1.06	NUM
ajbmeb-2953	55	5	1.07	1.07	NUM
ajbmeb-2953	55	6	1.08	1.08	NUM
ajbmeb-2953	55	7	1.09	1.09	NUM
ajbmeb-2953	55	8	1.10	1.10	NUM
ajbmeb-2953	55	9	1.11	1.11	NUM
ajbmeb-2953	55	10	1.12	1.12	NUM
ajbmeb-2953	55	11	2021y	2021y	NUM
ajbmeb-2953	55	12	.	.	PUNCT
ajbmeb-2953	55	13	2022y	2022y	NOUN
ajbmeb-2953	55	14	.	.	PUNCT
ajbmeb-2953	56	1	2023y	2023y	NUM
ajbmeb-2953	56	2	.	.	PUNCT
ajbmeb-2953	57	1	0.8	0.8	NUM
ajbmeb-2953	57	2	0.5	0.5	NUM
ajbmeb-2953	57	3	0.5	0.5	NUM
ajbmeb-2953	57	4	0	0	NUM
ajbmeb-2953	57	5	0.1	0.1	NUM
ajbmeb-2953	57	6	0.2	0.2	NUM
ajbmeb-2953	57	7	0.3	0.3	NUM
ajbmeb-2953	57	8	0.4	0.4	NUM
ajbmeb-2953	57	9	0.5	0.5	NUM
ajbmeb-2953	57	10	0.6	0.6	NUM
ajbmeb-2953	57	11	0.7	0.7	NUM
ajbmeb-2953	57	12	0.8	0.8	NUM
ajbmeb-2953	57	13	0.9	0.9	NUM
ajbmeb-2953	57	14	2021y	2021y	NUM
ajbmeb-2953	57	15	.	.	PUNCT
ajbmeb-2953	57	16	2022y	2022y	NOUN
ajbmeb-2953	57	17	.	.	PUNCT
ajbmeb-2953	57	18	2023y	2023y	NUM
ajbmeb-2953	57	19	.	.	PUNCT
ajbmeb-2953	58	1	american	american	ADJ
ajbmeb-2953	58	2	journal	journal	PROPN
ajbmeb-2953	58	3	of	of	ADP
ajbmeb-2953	58	4	business	business	NOUN
ajbmeb-2953	58	5	management	management	NOUN
ajbmeb-2953	58	6	,	,	PUNCT
ajbmeb-2953	58	7	economics	economic	NOUN
ajbmeb-2953	58	8	and	and	CCONJ
ajbmeb-2953	58	9	banking	banking	NOUN
ajbmeb-2953	58	10	volume	volume	NOUN
ajbmeb-2953	58	11	36	36	NUM
ajbmeb-2953	58	12	may2025	may2025	NOUN
ajbmeb-2953	58	13	p	p	NOUN
ajbmeb-2953	58	14	a	a	DET
ajbmeb-2953	58	15	g	g	NOUN
ajbmeb-2953	58	16	e	e	NOUN
ajbmeb-2953	58	17	|	|	NOUN
ajbmeb-2953	58	18	59	59	NUM
ajbmeb-2953	58	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2953	58	20	as	as	SCONJ
ajbmeb-2953	58	21	can	can	AUX
ajbmeb-2953	58	22	be	be	AUX
ajbmeb-2953	58	23	seen	see	VERB
ajbmeb-2953	58	24	from	from	ADP
ajbmeb-2953	58	25	fig	fig	NOUN
ajbmeb-2953	58	26	.	.	PUNCT
ajbmeb-2953	59	1	2	2	NUM
ajbmeb-2953	59	2	,	,	PUNCT
ajbmeb-2953	59	3	according	accord	VERB
ajbmeb-2953	59	4	to	to	ADP
ajbmeb-2953	59	5	the	the	DET
ajbmeb-2953	59	6	current	current	ADJ
ajbmeb-2953	59	7	liquidity	liquidity	NOUN
ajbmeb-2953	59	8	ratio	ratio	NOUN
ajbmeb-2953	59	9	,	,	PUNCT
ajbmeb-2953	59	10	uzbekneftgaz	uzbekneftgaz	PROPN
ajbmeb-2953	59	11	jsc	jsc	PROPN
ajbmeb-2953	59	12	is	be	AUX
ajbmeb-2953	59	13	not	not	PART
ajbmeb-2953	59	14	creditworthy	creditworthy	ADJ
ajbmeb-2953	59	15	.	.	PUNCT
ajbmeb-2953	60	1	this	this	PRON
ajbmeb-2953	60	2	is	be	AUX
ajbmeb-2953	60	3	explained	explain	VERB
ajbmeb-2953	60	4	by	by	ADP
ajbmeb-2953	60	5	the	the	DET
ajbmeb-2953	60	6	low	low	ADJ
ajbmeb-2953	60	7	level	level	NOUN
ajbmeb-2953	60	8	of	of	ADP
ajbmeb-2953	60	9	current	current	ADJ
ajbmeb-2953	60	10	assets	asset	NOUN
ajbmeb-2953	60	11	in	in	ADP
ajbmeb-2953	60	12	relation	relation	NOUN
ajbmeb-2953	60	13	to	to	ADP
ajbmeb-2953	60	14	current	current	ADJ
ajbmeb-2953	60	15	liabilities	liability	NOUN
ajbmeb-2953	60	16	.	.	PUNCT
ajbmeb-2953	61	1	in	in	ADP
ajbmeb-2953	61	2	addition	addition	NOUN
ajbmeb-2953	61	3	,	,	PUNCT
ajbmeb-2953	61	4	cash	cash	NOUN
ajbmeb-2953	61	5	has	have	VERB
ajbmeb-2953	61	6	a	a	DET
ajbmeb-2953	61	7	low	low	ADJ
ajbmeb-2953	61	8	specific	specific	ADJ
ajbmeb-2953	61	9	share	share	NOUN
ajbmeb-2953	61	10	in	in	ADP
ajbmeb-2953	61	11	the	the	DET
ajbmeb-2953	61	12	volume	volume	NOUN
ajbmeb-2953	61	13	of	of	ADP
ajbmeb-2953	61	14	current	current	ADJ
ajbmeb-2953	61	15	assets	asset	NOUN
ajbmeb-2953	61	16	.	.	PUNCT
ajbmeb-2953	62	1	table	table	NOUN
ajbmeb-2953	62	2	4	4	NUM
ajbmeb-2953	62	3	.	.	PUNCT
ajbmeb-2953	63	1	volume	volume	NOUN
ajbmeb-2953	63	2	and	and	CCONJ
ajbmeb-2953	63	3	level	level	NOUN
ajbmeb-2953	63	4	of	of	ADP
ajbmeb-2953	63	5	funds	fund	NOUN
ajbmeb-2953	63	6	of	of	ADP
ajbmeb-2953	63	7	jsc	jsc	PROPN
ajbmeb-2953	63	8	uzbekneftgaz5	uzbekneftgaz5	NOUN
ajbmeb-2953	63	9	indicators	indicator	NOUN
ajbmeb-2953	63	10	2021	2021	NUM
ajbmeb-2953	63	11	2022	2022	NUM
ajbmeb-2953	63	12	2023	2023	NUM
ajbmeb-2953	63	13	cash	cash	NOUN
ajbmeb-2953	63	14	,	,	PUNCT
ajbmeb-2953	63	15	billion	billion	NUM
ajbmeb-2953	63	16	soums	soum	NOUN
ajbmeb-2953	63	17	1672	1672	NUM
ajbmeb-2953	63	18	2068	2068	NUM
ajbmeb-2953	63	19	790	790	NUM
ajbmeb-2953	63	20	the	the	DET
ajbmeb-2953	63	21	share	share	NOUN
ajbmeb-2953	63	22	of	of	ADP
ajbmeb-2953	63	23	total	total	ADJ
ajbmeb-2953	63	24	cash	cash	NOUN
ajbmeb-2953	63	25	in	in	ADP
ajbmeb-2953	63	26	the	the	DET
ajbmeb-2953	63	27	volume	volume	NOUN
ajbmeb-2953	63	28	of	of	ADP
ajbmeb-2953	63	29	current	current	ADJ
ajbmeb-2953	63	30	assets	asset	NOUN
ajbmeb-2953	63	31	,	,	PUNCT
ajbmeb-2953	63	32	%	%	NOUN
ajbmeb-2953	63	33	25.1	25.1	NUM
ajbmeb-2953	63	34	30.9	30.9	NUM
ajbmeb-2953	63	35	8.3	8.3	NUM
ajbmeb-2953	63	36	as	as	SCONJ
ajbmeb-2953	63	37	can	can	AUX
ajbmeb-2953	63	38	be	be	AUX
ajbmeb-2953	63	39	seen	see	VERB
ajbmeb-2953	63	40	from	from	ADP
ajbmeb-2953	63	41	table	table	NOUN
ajbmeb-2953	63	42	4	4	NUM
ajbmeb-2953	63	43	,	,	PUNCT
ajbmeb-2953	63	44	in	in	ADP
ajbmeb-2953	63	45	2021	2021	NUM
ajbmeb-2953	63	46	-	-	SYM
ajbmeb-2953	63	47	2023	2023	NUM
ajbmeb-2953	63	48	,	,	PUNCT
ajbmeb-2953	63	49	the	the	DET
ajbmeb-2953	63	50	amount	amount	NOUN
ajbmeb-2953	63	51	of	of	ADP
ajbmeb-2953	63	52	liquid	liquid	ADJ
ajbmeb-2953	63	53	cash	cash	NOUN
ajbmeb-2953	63	54	of	of	ADP
ajbmeb-2953	63	55	uzbekneftegaz	uzbekneftegaz	ADJ
ajbmeb-2953	63	56	jsc	jsc	PROPN
ajbmeb-2953	63	57	decreased	decrease	VERB
ajbmeb-2953	63	58	significantly	significantly	ADV
ajbmeb-2953	63	59	.	.	PUNCT
ajbmeb-2953	64	1	also	also	ADV
ajbmeb-2953	64	2	,	,	PUNCT
ajbmeb-2953	64	3	the	the	DET
ajbmeb-2953	64	4	share	share	NOUN
ajbmeb-2953	64	5	of	of	ADP
ajbmeb-2953	64	6	all	all	DET
ajbmeb-2953	64	7	cash	cash	NOUN
ajbmeb-2953	64	8	in	in	ADP
ajbmeb-2953	64	9	the	the	DET
ajbmeb-2953	64	10	volume	volume	NOUN
ajbmeb-2953	64	11	of	of	ADP
ajbmeb-2953	64	12	current	current	ADJ
ajbmeb-2953	64	13	liquid	liquid	ADJ
ajbmeb-2953	64	14	assets	asset	NOUN
ajbmeb-2953	64	15	of	of	ADP
ajbmeb-2953	64	16	uzbekneftegaz	uzbekneftegaz	PROPN
ajbmeb-2953	64	17	jsc	jsc	PROPN
ajbmeb-2953	64	18	decreased	decrease	VERB
ajbmeb-2953	64	19	.	.	PUNCT
ajbmeb-2953	65	1	conclusions	conclusion	NOUN
ajbmeb-2953	65	2	and	and	CCONJ
ajbmeb-2953	65	3	suggestions	suggestion	NOUN
ajbmeb-2953	65	4	we	we	PRON
ajbmeb-2953	65	5	have	have	AUX
ajbmeb-2953	65	6	formulated	formulate	VERB
ajbmeb-2953	65	7	the	the	DET
ajbmeb-2953	65	8	following	follow	VERB
ajbmeb-2953	65	9	conclusions	conclusion	NOUN
ajbmeb-2953	65	10	regarding	regard	VERB
ajbmeb-2953	65	11	the	the	DET
ajbmeb-2953	65	12	assessment	assessment	NOUN
ajbmeb-2953	65	13	of	of	ADP
ajbmeb-2953	65	14	the	the	DET
ajbmeb-2953	65	15	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	65	16	of	of	ADP
ajbmeb-2953	65	17	clients	client	NOUN
ajbmeb-2953	65	18	of	of	ADP
ajbmeb-2953	65	19	commercial	commercial	ADJ
ajbmeb-2953	65	20	banks	bank	NOUN
ajbmeb-2953	65	21	:	:	PUNCT
ajbmeb-2953	65	22	*	*	PUNCT
ajbmeb-2953	65	23	the	the	DET
ajbmeb-2953	65	24	main	main	ADJ
ajbmeb-2953	65	25	indicators	indicator	NOUN
ajbmeb-2953	65	26	of	of	ADP
ajbmeb-2953	65	27	companies	company	NOUN
ajbmeb-2953	65	28	'	'	PART
ajbmeb-2953	65	29	solvency	solvency	NOUN
ajbmeb-2953	65	30	are	be	AUX
ajbmeb-2953	65	31	the	the	DET
ajbmeb-2953	65	32	following	follow	VERB
ajbmeb-2953	65	33	:	:	PUNCT
ajbmeb-2953	65	34	current	current	ADJ
ajbmeb-2953	65	35	liquidity	liquidity	NOUN
ajbmeb-2953	65	36	ratio	ratio	NOUN
ajbmeb-2953	65	37	;	;	PUNCT
ajbmeb-2953	65	38	equity	equity	NOUN
ajbmeb-2953	65	39	ratio	ratio	NOUN
ajbmeb-2953	65	40	;	;	PUNCT
ajbmeb-2953	65	41	solvency	solvency	NOUN
ajbmeb-2953	65	42	recovery	recovery	NOUN
ajbmeb-2953	65	43	ratio	ratio	NOUN
ajbmeb-2953	65	44	;	;	PUNCT
ajbmeb-2953	65	45	financial	financial	ADJ
ajbmeb-2953	65	46	margin	margin	NOUN
ajbmeb-2953	65	47	ratio	ratio	NOUN
ajbmeb-2953	65	48	;	;	PUNCT
ajbmeb-2953	65	49	*	*	PUNCT
ajbmeb-2953	65	50	the	the	DET
ajbmeb-2953	65	51	most	most	ADV
ajbmeb-2953	65	52	well	well	ADV
ajbmeb-2953	65	53	-	-	PUNCT
ajbmeb-2953	65	54	known	know	VERB
ajbmeb-2953	65	55	models	model	NOUN
ajbmeb-2953	65	56	of	of	ADP
ajbmeb-2953	65	57	corporate	corporate	ADJ
ajbmeb-2953	65	58	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	65	59	are	be	AUX
ajbmeb-2953	65	60	the	the	DET
ajbmeb-2953	65	61	altman	altman	PROPN
ajbmeb-2953	65	62	and	and	CCONJ
ajbmeb-2953	65	63	chesser	chesser	NOUN
ajbmeb-2953	65	64	models	model	NOUN
ajbmeb-2953	65	65	,	,	PUNCT
ajbmeb-2953	65	66	which	which	PRON
ajbmeb-2953	65	67	include	include	VERB
ajbmeb-2953	65	68	the	the	DET
ajbmeb-2953	65	69	following	follow	VERB
ajbmeb-2953	65	70	indicators	indicator	NOUN
ajbmeb-2953	65	71	:	:	PUNCT
ajbmeb-2953	65	72	the	the	DET
ajbmeb-2953	65	73	ratio	ratio	NOUN
ajbmeb-2953	65	74	of	of	ADP
ajbmeb-2953	65	75	equity	equity	NOUN
ajbmeb-2953	65	76	capital	capital	NOUN
ajbmeb-2953	65	77	to	to	ADP
ajbmeb-2953	65	78	total	total	ADJ
ajbmeb-2953	65	79	assets	asset	NOUN
ajbmeb-2953	65	80	;	;	PUNCT
ajbmeb-2953	65	81	the	the	DET
ajbmeb-2953	65	82	ratio	ratio	NOUN
ajbmeb-2953	65	83	of	of	ADP
ajbmeb-2953	65	84	reinvested	reinvested	ADJ
ajbmeb-2953	65	85	profit	profit	NOUN
ajbmeb-2953	65	86	to	to	ADP
ajbmeb-2953	65	87	total	total	ADJ
ajbmeb-2953	65	88	assets	asset	NOUN
ajbmeb-2953	65	89	;	;	PUNCT
ajbmeb-2953	65	90	the	the	DET
ajbmeb-2953	65	91	ratio	ratio	NOUN
ajbmeb-2953	65	92	of	of	ADP
ajbmeb-2953	65	93	market	market	NOUN
ajbmeb-2953	65	94	value	value	NOUN
ajbmeb-2953	65	95	of	of	ADP
ajbmeb-2953	65	96	shares	share	NOUN
ajbmeb-2953	65	97	to	to	ADP
ajbmeb-2953	65	98	borrowed	borrow	VERB
ajbmeb-2953	65	99	capital	capital	NOUN
ajbmeb-2953	65	100	;	;	PUNCT
ajbmeb-2953	65	101	the	the	DET
ajbmeb-2953	65	102	ratio	ratio	NOUN
ajbmeb-2953	65	103	of	of	ADP
ajbmeb-2953	65	104	sales	sale	NOUN
ajbmeb-2953	65	105	volume	volume	NOUN
ajbmeb-2953	65	106	to	to	ADP
ajbmeb-2953	65	107	total	total	ADJ
ajbmeb-2953	65	108	assets	asset	NOUN
ajbmeb-2953	65	109	;	;	PUNCT
ajbmeb-2953	65	110	*	*	PUNCT
ajbmeb-2953	65	111	one	one	NUM
ajbmeb-2953	65	112	of	of	ADP
ajbmeb-2953	65	113	the	the	DET
ajbmeb-2953	65	114	main	main	ADJ
ajbmeb-2953	65	115	indicators	indicator	NOUN
ajbmeb-2953	65	116	of	of	ADP
ajbmeb-2953	65	117	a	a	DET
ajbmeb-2953	65	118	company	company	NOUN
ajbmeb-2953	65	119	's	's	PART
ajbmeb-2953	65	120	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	65	121	is	be	AUX
ajbmeb-2953	65	122	the	the	DET
ajbmeb-2953	65	123	current	current	ADJ
ajbmeb-2953	65	124	liquidity	liquidity	NOUN
ajbmeb-2953	65	125	ratio	ratio	NOUN
ajbmeb-2953	65	126	.	.	PUNCT
ajbmeb-2953	66	1	however	however	ADV
ajbmeb-2953	66	2	,	,	PUNCT
ajbmeb-2953	66	3	economists	economist	NOUN
ajbmeb-2953	66	4	express	express	VERB
ajbmeb-2953	66	5	different	different	ADJ
ajbmeb-2953	66	6	opinions	opinion	NOUN
ajbmeb-2953	66	7	regarding	regard	VERB
ajbmeb-2953	66	8	the	the	DET
ajbmeb-2953	66	9	standard	standard	ADJ
ajbmeb-2953	66	10	level	level	NOUN
ajbmeb-2953	66	11	of	of	ADP
ajbmeb-2953	66	12	this	this	DET
ajbmeb-2953	66	13	indicator	indicator	NOUN
ajbmeb-2953	66	14	;	;	PUNCT
ajbmeb-2953	66	15	*	*	PUNCT
ajbmeb-2953	66	16	in	in	ADP
ajbmeb-2953	66	17	the	the	DET
ajbmeb-2953	66	18	bank	bank	NOUN
ajbmeb-2953	66	19	"	"	PUNCT
ajbmeb-2953	66	20	new	new	PROPN
ajbmeb-2953	66	21	york	york	PROPN
ajbmeb-2953	66	22	"	"	PUNCT
ajbmeb-2953	66	23	(	(	PUNCT
ajbmeb-2953	66	24	usa	usa	PROPN
ajbmeb-2953	66	25	)	)	PUNCT
ajbmeb-2953	66	26	when	when	SCONJ
ajbmeb-2953	66	27	determining	determine	VERB
ajbmeb-2953	66	28	the	the	DET
ajbmeb-2953	66	29	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	66	30	of	of	ADP
ajbmeb-2953	66	31	clients	client	NOUN
ajbmeb-2953	66	32	,	,	PUNCT
ajbmeb-2953	66	33	4	4	NUM
ajbmeb-2953	66	34	financial	financial	ADJ
ajbmeb-2953	66	35	ratios	ratio	NOUN
ajbmeb-2953	66	36	are	be	AUX
ajbmeb-2953	66	37	used	use	VERB
ajbmeb-2953	66	38	and	and	CCONJ
ajbmeb-2953	66	39	each	each	DET
ajbmeb-2953	66	40	financial	financial	ADJ
ajbmeb-2953	66	41	ratio	ratio	NOUN
ajbmeb-2953	66	42	has	have	VERB
ajbmeb-2953	66	43	a	a	DET
ajbmeb-2953	66	44	standard	standard	ADJ
ajbmeb-2953	66	45	value	value	NOUN
ajbmeb-2953	66	46	;	;	PUNCT
ajbmeb-2953	66	47	*	*	PUNCT
ajbmeb-2953	66	48	the	the	DET
ajbmeb-2953	66	49	methodology	methodology	NOUN
ajbmeb-2953	66	50	for	for	ADP
ajbmeb-2953	66	51	assessing	assess	VERB
ajbmeb-2953	66	52	the	the	DET
ajbmeb-2953	66	53	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	66	54	of	of	ADP
ajbmeb-2953	66	55	commercial	commercial	ADJ
ajbmeb-2953	66	56	banks	bank	NOUN
ajbmeb-2953	66	57	in	in	ADP
ajbmeb-2953	66	58	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	66	59	has	have	VERB
ajbmeb-2953	66	60	a	a	DET
ajbmeb-2953	66	61	number	number	NOUN
ajbmeb-2953	66	62	of	of	ADP
ajbmeb-2953	66	63	shortcomings	shortcoming	NOUN
ajbmeb-2953	66	64	.	.	PUNCT
ajbmeb-2953	67	1	in	in	ADP
ajbmeb-2953	67	2	particular	particular	ADJ
ajbmeb-2953	67	3	,	,	PUNCT
ajbmeb-2953	67	4	this	this	DET
ajbmeb-2953	67	5	methodology	methodology	NOUN
ajbmeb-2953	67	6	does	do	AUX
ajbmeb-2953	67	7	not	not	PART
ajbmeb-2953	67	8	allow	allow	VERB
ajbmeb-2953	67	9	assessing	assess	VERB
ajbmeb-2953	67	10	the	the	DET
ajbmeb-2953	67	11	borrower	borrower	NOUN
ajbmeb-2953	67	12	's	's	PART
ajbmeb-2953	67	13	debt	debt	NOUN
ajbmeb-2953	67	14	burden	burden	NOUN
ajbmeb-2953	67	15	on	on	ADP
ajbmeb-2953	67	16	loans	loan	NOUN
ajbmeb-2953	67	17	received	receive	VERB
ajbmeb-2953	67	18	.	.	PUNCT
ajbmeb-2953	68	1	in	in	ADP
ajbmeb-2953	68	2	addition	addition	NOUN
ajbmeb-2953	68	3	,	,	PUNCT
ajbmeb-2953	68	4	it	it	PRON
ajbmeb-2953	68	5	does	do	AUX
ajbmeb-2953	68	6	not	not	PART
ajbmeb-2953	68	7	take	take	VERB
ajbmeb-2953	68	8	into	into	ADP
ajbmeb-2953	68	9	account	account	NOUN
ajbmeb-2953	68	10	the	the	DET
ajbmeb-2953	68	11	financial	financial	ADJ
ajbmeb-2953	68	12	results	result	NOUN
ajbmeb-2953	68	13	of	of	ADP
ajbmeb-2953	68	14	the	the	DET
ajbmeb-2953	68	15	borrower	borrower	NOUN
ajbmeb-2953	68	16	's	's	PART
ajbmeb-2953	68	17	activities	activity	NOUN
ajbmeb-2953	68	18	;	;	PUNCT
ajbmeb-2953	68	19	*	*	PUNCT
ajbmeb-2953	68	20	in	in	ADP
ajbmeb-2953	68	21	2021	2021	NUM
ajbmeb-2953	68	22	-	-	SYM
ajbmeb-2953	68	23	2023	2023	NUM
ajbmeb-2953	68	24	,	,	PUNCT
ajbmeb-2953	68	25	the	the	DET
ajbmeb-2953	68	26	current	current	ADJ
ajbmeb-2953	68	27	liquidity	liquidity	NOUN
ajbmeb-2953	68	28	ratio	ratio	NOUN
ajbmeb-2953	68	29	of	of	ADP
ajbmeb-2953	68	30	general	general	ADJ
ajbmeb-2953	68	31	motors	motor	NOUN
ajbmeb-2953	68	32	remained	remain	VERB
ajbmeb-2953	68	33	stable	stable	ADJ
ajbmeb-2953	68	34	at	at	ADP
ajbmeb-2953	68	35	1	1	NUM
ajbmeb-2953	68	36	;	;	PUNCT
ajbmeb-2953	68	37	*	*	PUNCT
ajbmeb-2953	68	38	according	accord	VERB
ajbmeb-2953	68	39	to	to	ADP
ajbmeb-2953	68	40	the	the	DET
ajbmeb-2953	68	41	current	current	ADJ
ajbmeb-2953	68	42	liquidity	liquidity	NOUN
ajbmeb-2953	68	43	ratio	ratio	NOUN
ajbmeb-2953	68	44	,	,	PUNCT
ajbmeb-2953	68	45	jsc	jsc	PROPN
ajbmeb-2953	68	46	uzbekneftegaz	uzbekneftegaz	PROPN
ajbmeb-2953	68	47	is	be	AUX
ajbmeb-2953	68	48	not	not	PART
ajbmeb-2953	68	49	creditworthy	creditworthy	ADJ
ajbmeb-2953	68	50	,	,	PUNCT
ajbmeb-2953	68	51	which	which	PRON
ajbmeb-2953	68	52	is	be	AUX
ajbmeb-2953	68	53	explained	explain	VERB
ajbmeb-2953	68	54	by	by	ADP
ajbmeb-2953	68	55	the	the	DET
ajbmeb-2953	68	56	low	low	ADJ
ajbmeb-2953	68	57	level	level	NOUN
ajbmeb-2953	68	58	of	of	ADP
ajbmeb-2953	68	59	current	current	ADJ
ajbmeb-2953	68	60	assets	asset	NOUN
ajbmeb-2953	68	61	in	in	ADP
ajbmeb-2953	68	62	relation	relation	NOUN
ajbmeb-2953	68	63	to	to	ADP
ajbmeb-2953	68	64	current	current	ADJ
ajbmeb-2953	68	65	liabilities	liability	NOUN
ajbmeb-2953	68	66	.	.	PUNCT
ajbmeb-2953	69	1	in	in	ADP
ajbmeb-2953	69	2	our	our	PRON
ajbmeb-2953	69	3	opinion	opinion	NOUN
ajbmeb-2953	69	4	,	,	PUNCT
ajbmeb-2953	69	5	in	in	ADP
ajbmeb-2953	69	6	order	order	NOUN
ajbmeb-2953	69	7	to	to	PART
ajbmeb-2953	69	8	improve	improve	VERB
ajbmeb-2953	69	9	the	the	DET
ajbmeb-2953	69	10	methodology	methodology	NOUN
ajbmeb-2953	69	11	for	for	ADP
ajbmeb-2953	69	12	assessing	assess	VERB
ajbmeb-2953	69	13	the	the	DET
ajbmeb-2953	69	14	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	69	15	of	of	ADP
ajbmeb-2953	69	16	clients	client	NOUN
ajbmeb-2953	69	17	of	of	ADP
ajbmeb-2953	69	18	commercial	commercial	ADJ
ajbmeb-2953	69	19	banks	bank	NOUN
ajbmeb-2953	69	20	exporting	export	VERB
ajbmeb-2953	69	21	companies	company	NOUN
ajbmeb-2953	69	22	,	,	PUNCT
ajbmeb-2953	69	23	it	it	PRON
ajbmeb-2953	69	24	is	be	AUX
ajbmeb-2953	69	25	necessary	necessary	ADJ
ajbmeb-2953	69	26	,	,	PUNCT
ajbmeb-2953	69	27	firstly	firstly	ADV
ajbmeb-2953	69	28	,	,	PUNCT
ajbmeb-2953	69	29	to	to	PART
ajbmeb-2953	69	30	include	include	VERB
ajbmeb-2953	69	31	the	the	DET
ajbmeb-2953	69	32	financial	financial	ADJ
ajbmeb-2953	69	33	margin	margin	NOUN
ajbmeb-2953	69	34	ratio	ratio	NOUN
ajbmeb-2953	69	35	in	in	ADP
ajbmeb-2953	69	36	the	the	DET
ajbmeb-2953	69	37	composition	composition	NOUN
ajbmeb-2953	69	38	of	of	ADP
ajbmeb-2953	69	39	financial	financial	ADJ
ajbmeb-2953	69	40	ratios	ratio	NOUN
ajbmeb-2953	69	41	in	in	ADP
ajbmeb-2953	69	42	order	order	NOUN
ajbmeb-2953	69	43	to	to	PART
ajbmeb-2953	69	44	assess	assess	VERB
ajbmeb-2953	69	45	the	the	DET
ajbmeb-2953	69	46	debt	debt	NOUN
ajbmeb-2953	69	47	burden	burden	NOUN
ajbmeb-2953	69	48	of	of	ADP
ajbmeb-2953	69	49	borrowers	borrower	NOUN
ajbmeb-2953	69	50	on	on	ADP
ajbmeb-2953	69	51	loans	loan	NOUN
ajbmeb-2953	69	52	received	receive	VERB
ajbmeb-2953	69	53	;	;	PUNCT
ajbmeb-2953	69	54	secondly	secondly	ADV
ajbmeb-2953	69	55	,	,	PUNCT
ajbmeb-2953	69	56	given	give	VERB
ajbmeb-2953	69	57	the	the	DET
ajbmeb-2953	69	58	low	low	ADJ
ajbmeb-2953	69	59	level	level	NOUN
ajbmeb-2953	69	60	of	of	ADP
ajbmeb-2953	69	61	provision	provision	NOUN
ajbmeb-2953	69	62	of	of	ADP
ajbmeb-2953	69	63	the	the	DET
ajbmeb-2953	69	64	economy	economy	NOUN
ajbmeb-2953	69	65	of	of	ADP
ajbmeb-2953	69	66	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	69	67	with	with	ADP
ajbmeb-2953	69	68	cash	cash	NOUN
ajbmeb-2953	69	69	,	,	PUNCT
ajbmeb-2953	69	70	to	to	PART
ajbmeb-2953	69	71	actively	actively	ADV
ajbmeb-2953	69	72	use	use	VERB
ajbmeb-2953	69	73	the	the	DET
ajbmeb-2953	69	74	turnover	turnover	NOUN
ajbmeb-2953	69	75	ratio	ratio	NOUN
ajbmeb-2953	69	76	of	of	ADP
ajbmeb-2953	69	77	companies	company	NOUN
ajbmeb-2953	69	78	'	'	PART
ajbmeb-2953	69	79	accounts	account	NOUN
ajbmeb-2953	69	80	receivable	receivable	ADJ
ajbmeb-2953	69	81	when	when	SCONJ
ajbmeb-2953	69	82	determining	determine	VERB
ajbmeb-2953	69	83	their	their	PRON
ajbmeb-2953	69	84	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	69	85	;	;	PUNCT
ajbmeb-2953	69	86	thirdly	thirdly	ADV
ajbmeb-2953	69	87	,	,	PUNCT
ajbmeb-2953	69	88	to	to	PART
ajbmeb-2953	69	89	minimize	minimize	VERB
ajbmeb-2953	69	90	the	the	DET
ajbmeb-2953	69	91	risk	risk	NOUN
ajbmeb-2953	69	92	of	of	ADP
ajbmeb-2953	69	93	bankruptcy	bankruptcy	NOUN
ajbmeb-2953	69	94	of	of	ADP
ajbmeb-2953	69	95	the	the	DET
ajbmeb-2953	69	96	borrower	borrower	NOUN
ajbmeb-2953	69	97	,	,	PUNCT
ajbmeb-2953	69	98	use	use	VERB
ajbmeb-2953	69	99	the	the	DET
ajbmeb-2953	69	100	altman	altman	PROPN
ajbmeb-2953	69	101	index	index	NOUN
ajbmeb-2953	69	102	;	;	PUNCT
ajbmeb-2953	69	103	fourthly	fourthly	ADV
ajbmeb-2953	69	104	,	,	PUNCT
ajbmeb-2953	69	105	to	to	PART
ajbmeb-2953	69	106	create	create	VERB
ajbmeb-2953	69	107	a	a	DET
ajbmeb-2953	69	108	database	database	NOUN
ajbmeb-2953	69	109	of	of	ADP
ajbmeb-2953	69	110	borrower	borrower	NOUN
ajbmeb-2953	69	111	credit	credit	NOUN
ajbmeb-2953	69	112	risks	risk	NOUN
ajbmeb-2953	69	113	taking	take	VERB
ajbmeb-2953	69	114	into	into	ADP
ajbmeb-2953	69	115	account	account	NOUN
ajbmeb-2953	69	116	the	the	DET
ajbmeb-2953	69	117	best	good	ADJ
ajbmeb-2953	69	118	practices	practice	NOUN
ajbmeb-2953	69	119	of	of	ADP
ajbmeb-2953	69	120	japan	japan	PROPN
ajbmeb-2953	69	121	.	.	PUNCT
ajbmeb-2953	70	1	5the	5the	DET
ajbmeb-2953	70	2	table	table	NOUN
ajbmeb-2953	70	3	was	be	AUX
ajbmeb-2953	70	4	compiled	compile	VERB
ajbmeb-2953	70	5	by	by	ADP
ajbmeb-2953	70	6	the	the	DET
ajbmeb-2953	70	7	author	author	NOUN
ajbmeb-2953	70	8	based	base	VERB
ajbmeb-2953	70	9	on	on	ADP
ajbmeb-2953	70	10	data	datum	NOUN
ajbmeb-2953	70	11	from	from	ADP
ajbmeb-2953	70	12	the	the	DET
ajbmeb-2953	70	13	annual	annual	ADJ
ajbmeb-2953	70	14	reports	report	NOUN
ajbmeb-2953	70	15	of	of	ADP
ajbmeb-2953	70	16	uzbekneftgaz	uzbekneftgaz	PROPN
ajbmeb-2953	70	17	.	.	PUNCT
ajbmeb-2953	71	1	american	american	PROPN
ajbmeb-2953	71	2	journal	journal	PROPN
ajbmeb-2953	71	3	of	of	ADP
ajbmeb-2953	71	4	business	business	NOUN
ajbmeb-2953	71	5	management	management	NOUN
ajbmeb-2953	71	6	,	,	PUNCT
ajbmeb-2953	71	7	economics	economic	NOUN
ajbmeb-2953	71	8	and	and	CCONJ
ajbmeb-2953	71	9	banking	banking	NOUN
ajbmeb-2953	71	10	volume	volume	NOUN
ajbmeb-2953	71	11	36	36	NUM
ajbmeb-2953	71	12	may2025	may2025	NOUN
ajbmeb-2953	71	13	p	p	NOUN
ajbmeb-2953	71	14	a	a	DET
ajbmeb-2953	71	15	g	g	NOUN
ajbmeb-2953	71	16	e	e	NOUN
ajbmeb-2953	71	17	|	|	ADV
ajbmeb-2953	71	18	60	60	NUM
ajbmeb-2953	71	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2953	71	20	according	accord	VERB
ajbmeb-2953	71	21	to	to	ADP
ajbmeb-2953	71	22	experts	expert	NOUN
ajbmeb-2953	71	23	from	from	ADP
ajbmeb-2953	71	24	the	the	DET
ajbmeb-2953	71	25	asian	asian	PROPN
ajbmeb-2953	71	26	development	development	PROPN
ajbmeb-2953	71	27	bank	bank	PROPN
ajbmeb-2953	71	28	,	,	PUNCT
ajbmeb-2953	71	29	the	the	DET
ajbmeb-2953	71	30	japanese	japanese	ADJ
ajbmeb-2953	71	31	experience	experience	NOUN
ajbmeb-2953	71	32	of	of	ADP
ajbmeb-2953	71	33	creating	create	VERB
ajbmeb-2953	71	34	a	a	DET
ajbmeb-2953	71	35	credit	credit	NOUN
ajbmeb-2953	71	36	risk	risk	NOUN
ajbmeb-2953	71	37	database	database	NOUN
ajbmeb-2953	71	38	(	(	PUNCT
ajbmeb-2953	71	39	rdb	rdb	NOUN
ajbmeb-2953	71	40	)	)	PUNCT
ajbmeb-2953	71	41	helps	help	VERB
ajbmeb-2953	71	42	reduce	reduce	VERB
ajbmeb-2953	71	43	the	the	DET
ajbmeb-2953	71	44	level	level	NOUN
ajbmeb-2953	71	45	of	of	ADP
ajbmeb-2953	71	46	credit	credit	NOUN
ajbmeb-2953	71	47	risks	risk	NOUN
ajbmeb-2953	71	48	[	[	X
ajbmeb-2953	71	49	11	11	NUM
ajbmeb-2953	71	50	]	]	PUNCT
ajbmeb-2953	71	51	.	.	PUNCT
ajbmeb-2953	72	1	osiyo	osiyo	PROPN
ajbmeb-2953	72	2	tarakkiyot	tarakkiyot	ADJ
ajbmeb-2953	72	3	banks	bank	NOUN
ajbmeb-2953	72	4	expertlarining	expertlarine	VERB
ajbmeb-2953	72	5	fikriga	fikriga	NOUN
ajbmeb-2953	72	6	kўra	kўra	NOUN
ajbmeb-2953	72	7	,	,	PUNCT
ajbmeb-2953	72	8	japanning	japan	VERB
ajbmeb-2953	72	9	credit	credit	NOUN
ajbmeb-2953	72	10	risks	risk	NOUN
ajbmeb-2953	72	11	tugrisidagi	tugrisidagi	VERB
ajbmeb-2953	72	12	malumotlar	malumotlar	ADJ
ajbmeb-2953	72	13	bazasini	bazasini	PROPN
ajbmeb-2953	72	14	yaratish	yaratish	PROPN
ajbmeb-2953	72	15	borasidagi	borasidagi	NOUN
ajbmeb-2953	72	16	tazhribasini	tazhribasini	PROPN
ajbmeb-2953	72	17	osiening	osiening	NOUN
ajbmeb-2953	72	18	rivozhlangan	rivozhlangan	VERB
ajbmeb-2953	72	19	mamlakatlarida	mamlakatlarida	PROPN
ajbmeb-2953	72	20	қўllash	қўllash	PROPN
ajbmeb-2953	72	21	kichik	kichik	PROPN
ajbmeb-2953	72	22	va	va	PROPN
ajbmeb-2953	72	23	ўrta	ўrta	PROPN
ajbmeb-2953	72	24	business	business	PROPN
ajbmeb-2953	72	25	subjectlarini	subjectlarini	PROPN
ajbmeb-2953	72	26	creditlash	creditlash	NOUN
ajbmeb-2953	72	27	amalietining	amalietine	VERB
ajbmeb-2953	72	28	samaradorligini	samaradorligini	PROPN
ajbmeb-2953	72	29	oshirish	oshirish	PROPN
ajbmeb-2953	72	30	imkonini	imkonini	PROPN
ajbmeb-2953	72	31	berar	berar	PROPN
ajbmeb-2953	72	32	eddie	eddie	PROPN
ajbmeb-2953	72	33	6	6	NUM
ajbmeb-2953	72	34	.	.	PUNCT
ajbmeb-2953	72	35	references	reference	NOUN
ajbmeb-2953	72	36	1	1	NUM
ajbmeb-2953	72	37	.	.	PUNCT
ajbmeb-2953	72	38	decree	decree	NOUN
ajbmeb-2953	72	39	of	of	ADP
ajbmeb-2953	72	40	the	the	DET
ajbmeb-2953	72	41	president	president	NOUN
ajbmeb-2953	72	42	of	of	ADP
ajbmeb-2953	72	43	the	the	DET
ajbmeb-2953	72	44	republic	republic	NOUN
ajbmeb-2953	72	45	of	of	ADP
ajbmeb-2953	72	46	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	72	47	no	no	INTJ
ajbmeb-2953	72	48	.	.	PROPN
ajbmeb-2953	72	49	60	60	NUM
ajbmeb-2953	72	50	dated	date	VERB
ajbmeb-2953	72	51	january	january	PROPN
ajbmeb-2953	72	52	28	28	NUM
ajbmeb-2953	72	53	,	,	PUNCT
ajbmeb-2953	72	54	2022	2022	NUM
ajbmeb-2953	72	55	"	"	PUNCT
ajbmeb-2953	72	56	on	on	ADP
ajbmeb-2953	72	57	the	the	DET
ajbmeb-2953	72	58	development	development	NOUN
ajbmeb-2953	72	59	strategy	strategy	NOUN
ajbmeb-2953	72	60	of	of	ADP
ajbmeb-2953	72	61	the	the	DET
ajbmeb-2953	72	62	new	new	ADJ
ajbmeb-2953	72	63	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	72	64	for	for	ADP
ajbmeb-2953	72	65	2022	2022	NUM
ajbmeb-2953	72	66	-	-	SYM
ajbmeb-2953	72	67	2026	2026	NUM
ajbmeb-2953	72	68	"	"	PUNCT
ajbmeb-2953	72	69	//	//	PROPN
ajbmeb-2953	72	70	national	national	PROPN
ajbmeb-2953	72	71	legislation	legislation	NOUN
ajbmeb-2953	72	72	database	database	NOUN
ajbmeb-2953	72	73	,	,	PUNCT
ajbmeb-2953	72	74	january	january	PROPN
ajbmeb-2953	72	75	29	29	NUM
ajbmeb-2953	72	76	,	,	PUNCT
ajbmeb-2953	72	77	2022	2022	NUM
ajbmeb-2953	72	78	,	,	PUNCT
ajbmeb-2953	72	79	no	no	INTJ
ajbmeb-2953	72	80	.	.	PROPN
ajbmeb-2953	72	81	06/22/60/0082	06/22/60/0082	PROPN
ajbmeb-2953	72	82	,	,	PUNCT
ajbmeb-2953	72	83	march	march	PROPN
ajbmeb-2953	72	84	18	18	NUM
ajbmeb-2953	72	85	,	,	PUNCT
ajbmeb-2953	72	86	2022	2022	NUM
ajbmeb-2953	72	87	,	,	PUNCT
ajbmeb-2953	72	88	no	no	INTJ
ajbmeb-2953	72	89	.	.	PUNCT
ajbmeb-2953	73	1	06/22/89/0227	06/22/89/0227	PROPN
ajbmeb-2953	73	2	;	;	PUNCT
ajbmeb-2953	73	3	february	february	PROPN
ajbmeb-2953	73	4	10	10	NUM
ajbmeb-2953	73	5	,	,	PUNCT
ajbmeb-2953	73	6	2023	2023	NUM
ajbmeb-2953	73	7	,	,	PUNCT
ajbmeb-2953	73	8	no	no	INTJ
ajbmeb-2953	73	9	.	.	PUNCT
ajbmeb-2953	73	10	06/23/21/0085	06/23/21/0085	NOUN
ajbmeb-2953	73	11	;	;	PUNCT
ajbmeb-2953	73	12	january	january	PROPN
ajbmeb-2953	73	13	3	3	NUM
ajbmeb-2953	73	14	,	,	PUNCT
ajbmeb-2953	73	15	2024	2024	NUM
ajbmeb-2953	73	16	,	,	PUNCT
ajbmeb-2953	73	17	no	no	INTJ
ajbmeb-2953	73	18	.	.	PUNCT
ajbmeb-2953	73	19	06/24/221/0003	06/24/221/0003	NUM
ajbmeb-2953	73	20	;	;	PUNCT
ajbmeb-2953	73	21	december	december	PROPN
ajbmeb-2953	73	22	28	28	NUM
ajbmeb-2953	73	23	,	,	PUNCT
ajbmeb-2953	73	24	2024	2024	NUM
ajbmeb-2953	73	25	,	,	PUNCT
ajbmeb-2953	73	26	no	no	INTJ
ajbmeb-2953	73	27	.	.	NOUN
ajbmeb-2953	73	28	06/24/227/1089	06/24/227/1089	NUM
ajbmeb-2953	73	29	;	;	PUNCT
ajbmeb-2953	73	30	01.03.2025	01.03.2025	NUM
ajbmeb-2953	73	31	,	,	PUNCT
ajbmeb-2953	73	32	no	no	NOUN
ajbmeb-2953	73	33	.	.	PUNCT
ajbmeb-2953	73	34	06/25/27/0196	06/25/27/0196	NOUN
ajbmeb-2953	73	35	.	.	PUNCT
ajbmeb-2953	74	1	2	2	X
ajbmeb-2953	74	2	.	.	X
ajbmeb-2953	74	3	decree	decree	NOUN
ajbmeb-2953	74	4	of	of	ADP
ajbmeb-2953	74	5	the	the	DET
ajbmeb-2953	74	6	president	president	NOUN
ajbmeb-2953	74	7	of	of	ADP
ajbmeb-2953	74	8	the	the	DET
ajbmeb-2953	74	9	republic	republic	NOUN
ajbmeb-2953	74	10	of	of	ADP
ajbmeb-2953	74	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2953	74	12	no	no	INTJ
ajbmeb-2953	74	13	.	.	PUNCT
ajbmeb-2953	75	1	up-158	up-158	PROPN
ajbmeb-2953	75	2	dated	date	VERB
ajbmeb-2953	75	3	september	september	PROPN
ajbmeb-2953	75	4	11	11	NUM
ajbmeb-2953	75	5	,	,	PUNCT
ajbmeb-2953	75	6	2023	2023	NUM
ajbmeb-2953	75	7	"	"	PUNCT
ajbmeb-2953	75	8	on	on	ADP
ajbmeb-2953	75	9	the	the	DET
ajbmeb-2953	75	10	strategy	strategy	NOUN
ajbmeb-2953	75	11	"	"	PUNCT
ajbmeb-2953	75	12	uzbekistan-2030	uzbekistan-2030	NOUN
ajbmeb-2953	75	13	"	"	PUNCT
ajbmeb-2953	75	14	"	"	PUNCT
ajbmeb-2953	75	15	//	//	X
ajbmeb-2953	75	16	national	national	PROPN
ajbmeb-2953	75	17	legislation	legislation	NOUN
ajbmeb-2953	75	18	database	database	NOUN
ajbmeb-2953	75	19	,	,	PUNCT
ajbmeb-2953	75	20	september	september	PROPN
ajbmeb-2953	75	21	12	12	NUM
ajbmeb-2953	75	22	,	,	PUNCT
ajbmeb-2953	75	23	2023	2023	NUM
ajbmeb-2953	75	24	,	,	PUNCT
ajbmeb-2953	75	25	no	no	INTJ
ajbmeb-2953	75	26	.	.	PUNCT
ajbmeb-2953	76	1	06/23/158/0694	06/23/158/0694	NOUN
ajbmeb-2953	76	2	;	;	PUNCT
ajbmeb-2953	76	3	december	december	PROPN
ajbmeb-2953	76	4	29	29	NUM
ajbmeb-2953	76	5	,	,	PUNCT
ajbmeb-2953	76	6	2023	2023	NUM
ajbmeb-2953	76	7	,	,	PUNCT
ajbmeb-2953	76	8	no	no	INTJ
ajbmeb-2953	76	9	.	.	PUNCT
ajbmeb-2953	77	1	06/23/214/0984	06/23/214/0984	NUM
ajbmeb-2953	77	2	.	.	NOUN
ajbmeb-2953	78	1	3	3	NUM
ajbmeb-2953	78	2	.	.	X
ajbmeb-2953	78	3	rusakova	rusakova	PROPN
ajbmeb-2953	78	4	e.v	e.v	PROPN
ajbmeb-2953	78	5	.	.	PROPN
ajbmeb-2953	78	6	comprehensive	comprehensive	ADJ
ajbmeb-2953	78	7	economic	economic	ADJ
ajbmeb-2953	78	8	analysis	analysis	NOUN
ajbmeb-2953	78	9	of	of	ADP
ajbmeb-2953	78	10	enterprise	enterprise	NOUN
ajbmeb-2953	78	11	activities	activity	NOUN
ajbmeb-2953	78	12	.	.	PUNCT
ajbmeb-2953	79	1	–	–	PUNCT
ajbmeb-2953	79	2	st	st	PROPN
ajbmeb-2953	79	3	.	.	PROPN
ajbmeb-2953	79	4	petersburg	petersburg	PROPN
ajbmeb-2953	79	5	:	:	PUNCT
ajbmeb-2953	79	6	piter	piter	PROPN
ajbmeb-2953	79	7	,	,	PUNCT
ajbmeb-2953	79	8	2017	2017	NUM
ajbmeb-2953	79	9	.	.	PUNCT
ajbmeb-2953	80	1	–	–	PUNCT
ajbmeb-2953	80	2	p.	p.	NOUN
ajbmeb-2953	80	3	118	118	NUM
ajbmeb-2953	80	4	.	.	PUNCT
ajbmeb-2953	81	1	4	4	NUM
ajbmeb-2953	81	2	.	.	X
ajbmeb-2953	82	1	usoskin	usoskin	PROPN
ajbmeb-2953	82	2	v.m	v.m	PROPN
ajbmeb-2953	82	3	.	.	PROPN
ajbmeb-2953	82	4	modern	modern	ADJ
ajbmeb-2953	82	5	commercial	commercial	ADJ
ajbmeb-2953	82	6	bank	bank	NOUN
ajbmeb-2953	82	7	:	:	PUNCT
ajbmeb-2953	82	8	management	management	NOUN
ajbmeb-2953	82	9	and	and	CCONJ
ajbmeb-2953	82	10	operations	operation	NOUN
ajbmeb-2953	82	11	.	.	PUNCT
ajbmeb-2953	83	1	m.	m.	NOUN
ajbmeb-2953	83	2	:	:	PUNCT
ajbmeb-2953	84	1	lenand	lenand	PROPN
ajbmeb-2953	84	2	,	,	PUNCT
ajbmeb-2953	84	3	2019	2019	NUM
ajbmeb-2953	84	4	.	.	PUNCT
ajbmeb-2953	85	1	p.	p.	NOUN
ajbmeb-2953	85	2	224	224	NUM
ajbmeb-2953	85	3	.	.	PUNCT
ajbmeb-2953	86	1	5	5	X
ajbmeb-2953	86	2	.	.	X
ajbmeb-2953	86	3	grebneva	grebneva	PROPN
ajbmeb-2953	86	4	m.e	m.e	PROPN
ajbmeb-2953	86	5	.	.	PROPN
ajbmeb-2953	86	6	,	,	PUNCT
ajbmeb-2953	86	7	korotkova	korotkova	PROPN
ajbmeb-2953	86	8	yu.a	yu.a	PROPN
ajbmeb-2953	86	9	.	.	PUNCT
ajbmeb-2953	86	10	creditworthiness	creditworthiness	PROPN
ajbmeb-2953	86	11	and	and	CCONJ
ajbmeb-2953	86	12	its	its	PRON
ajbmeb-2953	86	13	assessment//symbol	assessment//symbol	NOUN
ajbmeb-2953	86	14	of	of	ADP
ajbmeb-2953	86	15	science	science	NOUN
ajbmeb-2953	86	16	,	,	PUNCT
ajbmeb-2953	86	17	2015	2015	NUM
ajbmeb-2953	86	18	.	.	PUNCT
ajbmeb-2953	87	1	no	no	INTJ
ajbmeb-2953	87	2	.	.	NOUN
ajbmeb-2953	88	1	5	5	X
ajbmeb-2953	88	2	.	.	PUNCT
ajbmeb-2953	89	1	p.	p.	NOUN
ajbmeb-2953	89	2	98	98	NUM
ajbmeb-2953	89	3	-	-	SYM
ajbmeb-2953	89	4	100	100	NUM
ajbmeb-2953	89	5	.	.	PUNCT
ajbmeb-2953	90	1	6	6	X
ajbmeb-2953	90	2	.	.	X
ajbmeb-2953	90	3	altman	altman	PROPN
ajbmeb-2953	90	4	e.	e.	PROPN
ajbmeb-2953	90	5	i.	i.	PROPN
ajbmeb-2953	90	6	financial	financial	PROPN
ajbmeb-2953	90	7	ratios	ratios	PROPN
ajbmeb-2953	90	8	,	,	PUNCT
ajbmeb-2953	90	9	discriminant	discriminant	ADJ
ajbmeb-2953	90	10	analysis	analysis	NOUN
ajbmeb-2953	90	11	and	and	CCONJ
ajbmeb-2953	90	12	the	the	DET
ajbmeb-2953	90	13	prediction	prediction	NOUN
ajbmeb-2953	90	14	of	of	ADP
ajbmeb-2953	90	15	corporate	corporate	ADJ
ajbmeb-2953	90	16	bankruptcy//journal	bankruptcy//journal	NOUN
ajbmeb-2953	90	17	of	of	ADP
ajbmeb-2953	90	18	finance	finance	NOUN
ajbmeb-2953	90	19	,	,	PUNCT
ajbmeb-2953	90	20	1968	1968	NUM
ajbmeb-2953	90	21	,	,	PUNCT
ajbmeb-2953	90	22	september	september	PROPN
ajbmeb-2953	90	23	.	.	PUNCT
ajbmeb-2953	91	1	–	–	PUNCT
ajbmeb-2953	91	2	p.	p.	NOUN
ajbmeb-2953	91	3	63–69	63–69	NUM
ajbmeb-2953	91	4	.	.	PUNCT
ajbmeb-2953	91	5	;	;	PUNCT
ajbmeb-2953	91	6	chesser	chesser	PROPN
ajbmeb-2953	91	7	d.	d.	PROPN
ajbmeb-2953	91	8	«	«	PUNCT
ajbmeb-2953	91	9	predicting	predict	VERB
ajbmeb-2953	91	10	loan	loan	NOUN
ajbmeb-2953	91	11	noncompliance	noncompliance	NOUN
ajbmeb-2953	91	12	»	»	NOUN
ajbmeb-2953	91	13	.	.	PUNCT
ajbmeb-2953	92	1	the	the	DET
ajbmeb-2953	92	2	journal	journal	PROPN
ajbmeb-2953	92	3	of	of	ADP
ajbmeb-2953	92	4	commercial	commercial	ADJ
ajbmeb-2953	92	5	bank	bank	PROPN
ajbmeb-2953	92	6	lending	lending	NOUN
ajbmeb-2953	92	7	,	,	PUNCT
ajbmeb-2953	92	8	1974	1974	NUM
ajbmeb-2953	92	9	.	.	PUNCT
ajbmeb-2953	92	10	–	–	PUNCT
ajbmeb-2953	92	11	august	august	PROPN
ajbmeb-2953	92	12	.	.	PUNCT
ajbmeb-2953	93	1	pp	pp	ADJ
ajbmeb-2953	93	2	.	.	PUNCT
ajbmeb-2953	94	1	28–38	28–38	NUM
ajbmeb-2953	94	2	.	.	PUNCT
ajbmeb-2953	95	1	7	7	NUM
ajbmeb-2953	95	2	.	.	PUNCT
ajbmeb-2953	95	3	kostyuchenko	kostyuchenko	PROPN
ajbmeb-2953	95	4	n.s	n.s	PROPN
ajbmeb-2953	95	5	.	.	PROPN
ajbmeb-2953	95	6	analysis	analysis	NOUN
ajbmeb-2953	95	7	credit	credit	NOUN
ajbmeb-2953	95	8	risks	risk	NOUN
ajbmeb-2953	95	9	:	:	PUNCT
ajbmeb-2953	95	10	textbook	textbook	NOUN
ajbmeb-2953	95	11	.	.	PUNCT
ajbmeb-2953	96	1	–	–	PUNCT
ajbmeb-2953	96	2	spb	spb	NOUN
ajbmeb-2953	96	3	:	:	PUNCT
ajbmeb-2953	96	4	it	it	PRON
ajbmeb-2953	96	5	d	d	PROPN
ajbmeb-2953	96	6	"	"	PUNCT
ajbmeb-2953	96	7	skifiya	skifiya	NOUN
ajbmeb-2953	96	8	"	"	PUNCT
ajbmeb-2953	96	9	,	,	PUNCT
ajbmeb-2953	96	10	2010	2010	NUM
ajbmeb-2953	96	11	.	.	PUNCT
ajbmeb-2953	96	12	;	;	PUNCT
ajbmeb-2953	96	13	endovitsky	endovitsky	PROPN
ajbmeb-2953	96	14	d.	d.	PROPN
ajbmeb-2953	96	15	a.	a.	PROPN
ajbmeb-2953	96	16	,	,	PUNCT
ajbmeb-2953	96	17	bocharova	bocharova	VERB
ajbmeb-2953	96	18	i	i	PRON
ajbmeb-2953	96	19	.	.	PUNCT
ajbmeb-2953	97	1	v	v	X
ajbmeb-2953	97	2	.	.	PUNCT
ajbmeb-2953	98	1	analysis	analysis	NOUN
ajbmeb-2953	98	2	and	and	CCONJ
ajbmeb-2953	98	3	grade	grade	NOUN
ajbmeb-2953	98	4	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	98	5	borrower	borrower	NOUN
ajbmeb-2953	98	6	:	:	PUNCT
ajbmeb-2953	98	7	educational	educational	ADJ
ajbmeb-2953	98	8	and	and	CCONJ
ajbmeb-2953	98	9	practical	practical	ADJ
ajbmeb-2953	98	10	manual	manual	NOUN
ajbmeb-2953	98	11	.	.	PUNCT
ajbmeb-2953	99	1	–	–	PUNCT
ajbmeb-2953	99	2	m	m	NOUN
ajbmeb-2953	99	3	.	.	PUNCT
ajbmeb-2953	99	4	:	:	PUNCT
ajbmeb-2953	100	1	knorus	knorus	PROPN
ajbmeb-2953	100	2	,	,	PUNCT
ajbmeb-2953	100	3	2005	2005	NUM
ajbmeb-2953	100	4	.	.	PUNCT
ajbmeb-2953	101	1	8	8	X
ajbmeb-2953	101	2	.	.	X
ajbmeb-2953	101	3	kulikov	kulikov	PROPN
ajbmeb-2953	101	4	n.i	n.i	PROPN
ajbmeb-2953	101	5	.	.	PROPN
ajbmeb-2953	101	6	,	,	PUNCT
ajbmeb-2953	101	7	koveshnikova	koveshnikova	PROPN
ajbmeb-2953	101	8	a.d	a.d	PROPN
ajbmeb-2953	101	9	.	.	PROPN
ajbmeb-2953	101	10	assessment	assessment	NOUN
ajbmeb-2953	101	11	of	of	ADP
ajbmeb-2953	101	12	the	the	DET
ajbmeb-2953	101	13	level	level	NOUN
ajbmeb-2953	101	14	of	of	ADP
ajbmeb-2953	101	15	enterprise	enterprise	NOUN
ajbmeb-2953	101	16	creditworthiness	creditworthiness	NOUN
ajbmeb-2953	101	17	in	in	ADP
ajbmeb-2953	101	18	modern	modern	ADJ
ajbmeb-2953	101	19	conditions//russian	conditions//russian	ADJ
ajbmeb-2953	101	20	entrepreneurship	entrepreneurship	NOUN
ajbmeb-2953	101	21	,	,	PUNCT
ajbmeb-2953	101	22	2018	2018	NUM
ajbmeb-2953	101	23	.	.	PUNCT
ajbmeb-2953	102	1	no	no	INTJ
ajbmeb-2953	102	2	.	.	NOUN
ajbmeb-2953	103	1	8	8	NUM
ajbmeb-2953	103	2	.	.	PUNCT
ajbmeb-2953	104	1	p.	p.	NOUN
ajbmeb-2953	104	2	2233	2233	NUM
ajbmeb-2953	104	3	-	-	SYM
ajbmeb-2953	104	4	2246	2246	NUM
ajbmeb-2953	104	5	.	.	PUNCT
ajbmeb-2953	105	1	9	9	X
ajbmeb-2953	105	2	.	.	X
ajbmeb-2953	105	3	alimardonov	alimardonov	PROPN
ajbmeb-2953	105	4	i.m	i.m	PROPN
ajbmeb-2953	105	5	.	.	PUNCT
ajbmeb-2953	106	1	improving	improve	VERB
ajbmeb-2953	106	2	the	the	DET
ajbmeb-2953	106	3	methodological	methodological	ADJ
ajbmeb-2953	106	4	and	and	CCONJ
ajbmeb-2953	106	5	practical	practical	ADJ
ajbmeb-2953	106	6	foundations	foundation	NOUN
ajbmeb-2953	106	7	of	of	ADP
ajbmeb-2953	106	8	lending	lending	NOUN
ajbmeb-2953	106	9	to	to	ADP
ajbmeb-2953	106	10	small	small	ADJ
ajbmeb-2953	106	11	businesses	business	NOUN
ajbmeb-2953	106	12	.	.	PUNCT
ajbmeb-2953	107	1	abstract	abstract	ADJ
ajbmeb-2953	107	2	.	.	PUNCT
ajbmeb-2953	108	1	diss	diss	PROPN
ajbmeb-2953	108	2	.	.	PUNCT
ajbmeb-2953	109	1	doctor	doctor	NOUN
ajbmeb-2953	109	2	of	of	ADP
ajbmeb-2953	109	3	economics	economic	NOUN
ajbmeb-2953	109	4	.	.	PUNCT
ajbmeb-2953	110	1	–	–	PUNCT
ajbmeb-2953	110	2	tashkent	tashkent	NOUN
ajbmeb-2953	110	3	,	,	PUNCT
ajbmeb-2953	110	4	2018	2018	NUM
ajbmeb-2953	110	5	.	.	PUNCT
ajbmeb-2953	111	1	–	–	PUNCT
ajbmeb-2953	111	2	62	62	NUM
ajbmeb-2953	111	3	p.	p.	NOUN
ajbmeb-2953	111	4	10	10	NUM
ajbmeb-2953	111	5	.	.	PUNCT
ajbmeb-2953	112	1	banking	banking	NOUN
ajbmeb-2953	112	2	.	.	PUNCT
ajbmeb-2953	113	1	textbook	textbook	NOUN
ajbmeb-2953	113	2	.	.	PUNCT
ajbmeb-2953	114	1	ed	ed	NOUN
ajbmeb-2953	114	2	.	.	PUNCT
ajbmeb-2953	115	1	by	by	ADP
ajbmeb-2953	115	2	prof	prof	PROPN
ajbmeb-2953	115	3	.	.	PUNCT
ajbmeb-2953	116	1	o.i	o.i	PROPN
ajbmeb-2953	116	2	.	.	PROPN
ajbmeb-2953	116	3	lavrushin	lavrushin	PROPN
ajbmeb-2953	116	4	.	.	PUNCT
ajbmeb-2953	117	1	–	–	PUNCT
ajbmeb-2953	117	2	m.	m.	NOUN
ajbmeb-2953	117	3	:	:	PUNCT
ajbmeb-2953	117	4	knorus	knorus	PROPN
ajbmeb-2953	117	5	,	,	PUNCT
ajbmeb-2953	117	6	2016	2016	NUM
ajbmeb-2953	117	7	.	.	PUNCT
ajbmeb-2953	118	1	–	–	PUNCT
ajbmeb-2953	118	2	p.	p.	NOUN
ajbmeb-2953	118	3	367	367	NUM
ajbmeb-2953	118	4	.	.	PUNCT
ajbmeb-2953	119	1	11	11	NUM
ajbmeb-2953	119	2	.	.	PUNCT
ajbmeb-2953	120	1	asian	asian	PROPN
ajbmeb-2953	120	2	development	development	PROPN
ajbmeb-2953	120	3	bank	bank	PROPN
ajbmeb-2953	120	4	.	.	PUNCT
ajbmeb-2953	121	1	2014	2014	NUM
ajbmeb-2953	121	2	.	.	PUNCT
ajbmeb-2953	122	1	asia	asia	PROPN
ajbmeb-2953	122	2	sme	sme	PROPN
ajbmeb-2953	122	3	finance	finance	PROPN
ajbmeb-2953	122	4	monitor	monitor	VERB
ajbmeb-2953	122	5	2013	2013	NUM
ajbmeb-2953	122	6	.	.	PUNCT
ajbmeb-2953	123	1	–	–	PUNCT
ajbmeb-2953	123	2	manila	manila	PROPN
ajbmeb-2953	123	3	,	,	PUNCT
ajbmeb-2953	123	4	2014//	2014//	PROPN
ajbmeb-2953	123	5	http://www.adb.org/	http://www.adb.org/	NOUN
ajbmeb-2953	123	6	(	(	PUNCT
ajbmeb-2953	123	7	date	date	NOUN
ajbmeb-2953	123	8	accessed	access	VERB
ajbmeb-2953	123	9	:	:	PUNCT
ajbmeb-2953	123	10	22.08.2019	22.08.2019	NUM
ajbmeb-2953	123	11	)	)	PUNCT
ajbmeb-2953	123	12	.	.	PUNCT
ajbmeb-2953	124	1	6asian	6asian	PROPN
ajbmeb-2953	124	2	development	development	PROPN
ajbmeb-2953	124	3	bank	bank	PROPN
ajbmeb-2953	124	4	.	.	PUNCT
ajbmeb-2953	125	1	2014	2014	NUM
ajbmeb-2953	125	2	.	.	PUNCT
ajbmeb-2953	126	1	asia	asia	PROPN
ajbmeb-2953	126	2	sme	sme	PROPN
ajbmeb-2953	126	3	finance	finance	PROPN
ajbmeb-2953	126	4	monitor	monitor	VERB
ajbmeb-2953	126	5	2013	2013	NUM
ajbmeb-2953	126	6	.	.	PUNCT
ajbmeb-2953	127	1	–	–	PUNCT
ajbmeb-2953	127	2	manila	manila	PROPN
ajbmeb-2953	127	3	,	,	PUNCT
ajbmeb-2953	127	4	2014//	2014//	PROPN
ajbmeb-2953	127	5	http://www.adb.org/	http://www.adb.org/	NOUN
ajbmeb-2953	127	6	(	(	PUNCT
ajbmeb-2953	127	7	date	date	NOUN
ajbmeb-2953	127	8	accessed	access	VERB
ajbmeb-2953	127	9	:	:	PUNCT
ajbmeb-2953	127	10	22.08.2019	22.08.2019	NUM
ajbmeb-2953	127	11	)	)	PUNCT
ajbmeb-2953	127	12	.	.	PUNCT