id	sid	tid	token	lemma	pos
ajbmeb-3222	1	1	american	american	PROPN
ajbmeb-3222	1	2	journal	journal	PROPN
ajbmeb-3222	1	3	of	of	ADP
ajbmeb-3222	1	4	business	business	NOUN
ajbmeb-3222	1	5	management	management	NOUN
ajbmeb-3222	1	6	,	,	PUNCT
ajbmeb-3222	1	7	economics	economic	NOUN
ajbmeb-3222	1	8	and	and	CCONJ
ajbmeb-3222	1	9	banking	banking	NOUN
ajbmeb-3222	1	10	issn	issn	PROPN
ajbmeb-3222	1	11	(	(	PUNCT
ajbmeb-3222	1	12	e	e	NOUN
ajbmeb-3222	1	13	):	):	PUNCT
ajbmeb-3222	1	14	2832	2832	NUM
ajbmeb-3222	1	15	-	-	SYM
ajbmeb-3222	1	16	8078	8078	NUM
ajbmeb-3222	1	17	volume	volume	NOUN
ajbmeb-3222	1	18	43	43	NUM
ajbmeb-3222	1	19	,	,	PUNCT
ajbmeb-3222	1	20	december	december	PROPN
ajbmeb-3222	1	21	2025	2025	NUM
ajbmeb-3222	1	22	p	p	NOUN
ajbmeb-3222	1	23	a	a	DET
ajbmeb-3222	1	24	g	g	NOUN
ajbmeb-3222	1	25	e	e	NOUN
ajbmeb-3222	1	26	|	|	ADV
ajbmeb-3222	1	27	57	57	NUM
ajbmeb-3222	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3222	1	29	modern	modern	ADJ
ajbmeb-3222	1	30	methods	method	NOUN
ajbmeb-3222	1	31	of	of	ADP
ajbmeb-3222	1	32	assessing	assess	VERB
ajbmeb-3222	1	33	the	the	DET
ajbmeb-3222	1	34	risks	risk	NOUN
ajbmeb-3222	1	35	of	of	ADP
ajbmeb-3222	1	36	insurance	insurance	NOUN
ajbmeb-3222	1	37	organizations	organization	NOUN
ajbmeb-3222	1	38	sattorov	sattorov	ADJ
ajbmeb-3222	1	39	shokhrukh	shokhrukh	PROPN
ajbmeb-3222	1	40	makhmudjon	makhmudjon	PROPN
ajbmeb-3222	1	41	ugli	ugli	ADJ
ajbmeb-3222	1	42	independent	independent	ADJ
ajbmeb-3222	1	43	researcher	researcher	NOUN
ajbmeb-3222	1	44	of	of	ADP
ajbmeb-3222	1	45	the	the	DET
ajbmeb-3222	1	46	tashkent	tashkent	PROPN
ajbmeb-3222	1	47	state	state	PROPN
ajbmeb-3222	1	48	university	university	PROPN
ajbmeb-3222	1	49	of	of	ADP
ajbmeb-3222	1	50	economics	economic	NOUN
ajbmeb-3222	1	51	orcid	orcid	NOUN
ajbmeb-3222	1	52	:	:	PUNCT
ajbmeb-3222	1	53	0009	0009	NUM
ajbmeb-3222	1	54	-	-	SYM
ajbmeb-3222	1	55	0005	0005	NUM
ajbmeb-3222	1	56	-	-	PUNCT
ajbmeb-3222	1	57	3793	3793	NUM
ajbmeb-3222	1	58	-	-	PUNCT
ajbmeb-3222	1	59	6712	6712	NUM
ajbmeb-3222	1	60	,	,	PUNCT
ajbmeb-3222	1	61	e	e	NOUN
ajbmeb-3222	1	62	-	-	NOUN
ajbmeb-3222	1	63	mail	mail	NOUN
ajbmeb-3222	1	64	:	:	PUNCT
ajbmeb-3222	1	65	shohruxs@list.ru	shohruxs@list.ru	X
ajbmeb-3222	1	66	a	a	DET
ajbmeb-3222	1	67	b	b	PROPN
ajbmeb-3222	1	68	s	s	ADP
ajbmeb-3222	1	69	t	t	PROPN
ajbmeb-3222	1	70	r	r	NOUN
ajbmeb-3222	1	71	a	a	DET
ajbmeb-3222	1	72	c	c	NOUN
ajbmeb-3222	1	73	t	t	NOUN
ajbmeb-3222	1	74	k	k	X
ajbmeb-3222	1	75	e	e	PROPN
ajbmeb-3222	1	76	y	y	PROPN
ajbmeb-3222	1	77	w	w	NOUN
ajbmeb-3222	2	1	o	o	NOUN
ajbmeb-3222	2	2	r	r	NOUN
ajbmeb-3222	2	3	d	d	PROPN
ajbmeb-3222	2	4	s	s	VERB
ajbmeb-3222	2	5	this	this	DET
ajbmeb-3222	2	6	article	article	NOUN
ajbmeb-3222	2	7	presents	present	VERB
ajbmeb-3222	2	8	the	the	DET
ajbmeb-3222	2	9	results	result	NOUN
ajbmeb-3222	2	10	of	of	ADP
ajbmeb-3222	2	11	a	a	DET
ajbmeb-3222	2	12	study	study	NOUN
ajbmeb-3222	2	13	on	on	ADP
ajbmeb-3222	2	14	the	the	DET
ajbmeb-3222	2	15	existing	exist	VERB
ajbmeb-3222	2	16	risks	risk	NOUN
ajbmeb-3222	2	17	in	in	ADP
ajbmeb-3222	2	18	the	the	DET
ajbmeb-3222	2	19	activities	activity	NOUN
ajbmeb-3222	2	20	of	of	ADP
ajbmeb-3222	2	21	insurance	insurance	NOUN
ajbmeb-3222	2	22	organizations	organization	NOUN
ajbmeb-3222	2	23	,	,	PUNCT
ajbmeb-3222	2	24	the	the	DET
ajbmeb-3222	2	25	main	main	ADJ
ajbmeb-3222	2	26	purpose	purpose	NOUN
ajbmeb-3222	2	27	of	of	ADP
ajbmeb-3222	2	28	risk	risk	NOUN
ajbmeb-3222	2	29	assessment	assessment	NOUN
ajbmeb-3222	2	30	,	,	PUNCT
ajbmeb-3222	2	31	assessment	assessment	NOUN
ajbmeb-3222	2	32	invaders	invader	NOUN
ajbmeb-3222	2	33	,	,	PUNCT
ajbmeb-3222	2	34	as	as	ADV
ajbmeb-3222	2	35	well	well	ADV
ajbmeb-3222	2	36	as	as	ADP
ajbmeb-3222	2	37	on	on	ADP
ajbmeb-3222	2	38	the	the	DET
ajbmeb-3222	2	39	foreign	foreign	ADJ
ajbmeb-3222	2	40	methodology	methodology	NOUN
ajbmeb-3222	2	41	for	for	ADP
ajbmeb-3222	2	42	choosing	choose	VERB
ajbmeb-3222	2	43	modern	modern	ADJ
ajbmeb-3222	2	44	methods	method	NOUN
ajbmeb-3222	2	45	of	of	ADP
ajbmeb-3222	2	46	assessment	assessment	NOUN
ajbmeb-3222	2	47	,	,	PUNCT
ajbmeb-3222	2	48	which	which	PRON
ajbmeb-3222	2	49	are	be	AUX
ajbmeb-3222	2	50	used	use	VERB
ajbmeb-3222	2	51	in	in	ADP
ajbmeb-3222	2	52	determining	determine	VERB
ajbmeb-3222	2	53	and	and	CCONJ
ajbmeb-3222	2	54	eliminating	eliminate	VERB
ajbmeb-3222	2	55	risk	risk	NOUN
ajbmeb-3222	2	56	.	.	PUNCT
ajbmeb-3222	3	1	including	include	VERB
ajbmeb-3222	3	2	statistical	statistical	ADJ
ajbmeb-3222	3	3	and	and	CCONJ
ajbmeb-3222	3	4	expert	expert	ADJ
ajbmeb-3222	3	5	methods	method	NOUN
ajbmeb-3222	3	6	of	of	ADP
ajbmeb-3222	3	7	risk	risk	NOUN
ajbmeb-3222	3	8	assessment	assessment	NOUN
ajbmeb-3222	3	9	in	in	ADP
ajbmeb-3222	3	10	insurance	insurance	NOUN
ajbmeb-3222	3	11	,	,	PUNCT
ajbmeb-3222	3	12	risk	risk	NOUN
ajbmeb-3222	3	13	-	-	PUNCT
ajbmeb-3222	3	14	free	free	ADJ
ajbmeb-3222	3	15	(	(	PUNCT
ajbmeb-3222	3	16	risk	risk	NOUN
ajbmeb-3222	3	17	-	-	PUNCT
ajbmeb-3222	3	18	free	free	ADJ
ajbmeb-3222	3	19	)	)	PUNCT
ajbmeb-3222	3	20	as	as	ADP
ajbmeb-3222	3	21	part	part	NOUN
ajbmeb-3222	3	22	of	of	ADP
ajbmeb-3222	3	23	the	the	DET
ajbmeb-3222	3	24	financial	financial	ADJ
ajbmeb-3222	3	25	stability	stability	NOUN
ajbmeb-3222	3	26	loss	loss	NOUN
ajbmeb-3222	3	27	risk	risk	NOUN
ajbmeb-3222	3	28	assessment	assessment	NOUN
ajbmeb-3222	3	29	scale	scale	NOUN
ajbmeb-3222	3	30	,	,	PUNCT
ajbmeb-3222	3	31	accepted	accept	VERB
ajbmeb-3222	3	32	risk	risk	NOUN
ajbmeb-3222	3	33	,	,	PUNCT
ajbmeb-3222	3	34	critical	critical	ADJ
ajbmeb-3222	3	35	risk	risk	NOUN
ajbmeb-3222	3	36	,	,	PUNCT
ajbmeb-3222	3	37	catastrophic	catastrophic	ADJ
ajbmeb-3222	3	38	risk	risk	NOUN
ajbmeb-3222	3	39	zones	zone	NOUN
ajbmeb-3222	3	40	,	,	PUNCT
ajbmeb-3222	3	41	international	international	ADJ
ajbmeb-3222	3	42	risk	risk	NOUN
ajbmeb-3222	3	43	assessment	assessment	NOUN
ajbmeb-3222	3	44	methods	method	NOUN
ajbmeb-3222	3	45	risk	risk	VERB
ajbmeb-3222	3	46	analysis	analysis	NOUN
ajbmeb-3222	3	47	,	,	PUNCT
ajbmeb-3222	3	48	stress	stress	NOUN
ajbmeb-3222	3	49	-	-	PUNCT
ajbmeb-3222	3	50	test	test	NOUN
ajbmeb-3222	3	51	,	,	PUNCT
ajbmeb-3222	3	52	event	event	NOUN
ajbmeb-3222	3	53	tree	tree	NOUN
ajbmeb-3222	3	54	,	,	PUNCT
ajbmeb-3222	3	55	monte	monte	PROPN
ajbmeb-3222	3	56	carlo	carlo	PROPN
ajbmeb-3222	3	57	,	,	PUNCT
ajbmeb-3222	3	58	theoretical	theoretical	ADJ
ajbmeb-3222	3	59	opinions	opinion	NOUN
ajbmeb-3222	3	60	and	and	CCONJ
ajbmeb-3222	3	61	considerations	consideration	NOUN
ajbmeb-3222	3	62	about	about	ADP
ajbmeb-3222	3	63	the	the	DET
ajbmeb-3222	3	64	baes	baes	PROPN
ajbmeb-3222	3	65	trust	trust	PROPN
ajbmeb-3222	3	66	network	network	NOUN
ajbmeb-3222	3	67	are	be	AUX
ajbmeb-3222	3	68	formulated	formulate	VERB
ajbmeb-3222	3	69	.	.	PUNCT
ajbmeb-3222	4	1	a	a	DET
ajbmeb-3222	4	2	comparative	comparative	ADJ
ajbmeb-3222	4	3	analysis	analysis	NOUN
ajbmeb-3222	4	4	of	of	ADP
ajbmeb-3222	4	5	assessment	assessment	NOUN
ajbmeb-3222	4	6	methods	method	NOUN
ajbmeb-3222	4	7	was	be	AUX
ajbmeb-3222	4	8	carried	carry	VERB
ajbmeb-3222	4	9	out	out	ADP
ajbmeb-3222	4	10	and	and	CCONJ
ajbmeb-3222	4	11	practical	practical	ADJ
ajbmeb-3222	4	12	recommendations	recommendation	NOUN
ajbmeb-3222	4	13	for	for	ADP
ajbmeb-3222	4	14	their	their	PRON
ajbmeb-3222	4	15	application	application	NOUN
ajbmeb-3222	4	16	were	be	AUX
ajbmeb-3222	4	17	formulated	formulate	VERB
ajbmeb-3222	4	18	.	.	PUNCT
ajbmeb-3222	5	1	at	at	ADP
ajbmeb-3222	5	2	the	the	DET
ajbmeb-3222	5	3	same	same	ADJ
ajbmeb-3222	5	4	time	time	NOUN
ajbmeb-3222	5	5	,	,	PUNCT
ajbmeb-3222	5	6	in	in	ADP
ajbmeb-3222	5	7	international	international	ADJ
ajbmeb-3222	5	8	practice	practice	NOUN
ajbmeb-3222	5	9	,	,	PUNCT
ajbmeb-3222	5	10	detailed	detailed	ADJ
ajbmeb-3222	5	11	information	information	NOUN
ajbmeb-3222	5	12	about	about	ADP
ajbmeb-3222	5	13	the	the	DET
ajbmeb-3222	5	14	new	new	ADJ
ajbmeb-3222	5	15	stress	stress	NOUN
ajbmeb-3222	5	16	-	-	PUNCT
ajbmeb-3222	5	17	testing	testing	NOUN
ajbmeb-3222	5	18	method	method	NOUN
ajbmeb-3222	5	19	of	of	ADP
ajbmeb-3222	5	20	risk	risk	NOUN
ajbmeb-3222	5	21	assessment	assessment	NOUN
ajbmeb-3222	5	22	,	,	PUNCT
ajbmeb-3222	5	23	one	one	NUM
ajbmeb-3222	5	24	-	-	PUNCT
ajbmeb-3222	5	25	variable	variable	ADJ
ajbmeb-3222	5	26	and	and	CCONJ
ajbmeb-3222	5	27	multifactorial	multifactorial	ADJ
ajbmeb-3222	5	28	factors	factor	NOUN
ajbmeb-3222	5	29	of	of	ADP
ajbmeb-3222	5	30	the	the	DET
ajbmeb-3222	5	31	method	method	NOUN
ajbmeb-3222	5	32	and	and	CCONJ
ajbmeb-3222	5	33	one	one	NUM
ajbmeb-3222	5	34	-	-	PUNCT
ajbmeb-3222	5	35	factor	factor	NOUN
ajbmeb-3222	5	36	and	and	CCONJ
ajbmeb-3222	5	37	multi	multi	ADJ
ajbmeb-3222	5	38	-	-	ADJ
ajbmeb-3222	5	39	factor	factor	NOUN
ajbmeb-3222	5	40	models	model	NOUN
ajbmeb-3222	5	41	,	,	PUNCT
ajbmeb-3222	5	42	advantages	advantage	NOUN
ajbmeb-3222	5	43	and	and	CCONJ
ajbmeb-3222	5	44	disadvantages	disadvantage	NOUN
ajbmeb-3222	5	45	of	of	ADP
ajbmeb-3222	5	46	the	the	DET
ajbmeb-3222	5	47	method	method	NOUN
ajbmeb-3222	5	48	are	be	AUX
ajbmeb-3222	5	49	presented	present	VERB
ajbmeb-3222	5	50	.	.	PUNCT
ajbmeb-3222	6	1	risk	risk	NOUN
ajbmeb-3222	6	2	,	,	PUNCT
ajbmeb-3222	6	3	risk	risk	NOUN
ajbmeb-3222	6	4	assessment	assessment	NOUN
ajbmeb-3222	6	5	method	method	NOUN
ajbmeb-3222	6	6	,	,	PUNCT
ajbmeb-3222	6	7	risk	risk	NOUN
ajbmeb-3222	6	8	management	management	NOUN
ajbmeb-3222	6	9	,	,	PUNCT
ajbmeb-3222	6	10	criticalrisk	criticalrisk	NOUN
ajbmeb-3222	6	11	zone	zone	NOUN
ajbmeb-3222	6	12	,	,	PUNCT
ajbmeb-3222	6	13	stresstesting	stresstesting	NOUN
ajbmeb-3222	6	14	,	,	PUNCT
ajbmeb-3222	6	15	bayes	bayes	PROPN
ajbmeb-3222	6	16	trust	trust	PROPN
ajbmeb-3222	6	17	network	network	NOUN
ajbmeb-3222	6	18	,	,	PUNCT
ajbmeb-3222	6	19	tariff	tariff	NOUN
ajbmeb-3222	6	20	policy	policy	NOUN
ajbmeb-3222	6	21	,	,	PUNCT
ajbmeb-3222	6	22	financial	financial	ADJ
ajbmeb-3222	6	23	stability	stability	NOUN
ajbmeb-3222	6	24	scale	scale	NOUN
ajbmeb-3222	6	25	,	,	PUNCT
ajbmeb-3222	6	26	one	one	NUM
ajbmeb-3222	6	27	-	-	PUNCT
ajbmeb-3222	6	28	factor	factor	NOUN
ajbmeb-3222	6	29	model	model	NOUN
ajbmeb-3222	6	30	.	.	PUNCT
ajbmeb-3222	7	1	introduction	introduction	NOUN
ajbmeb-3222	7	2	insurance	insurance	NOUN
ajbmeb-3222	7	3	is	be	AUX
ajbmeb-3222	7	4	a	a	DET
ajbmeb-3222	7	5	unique	unique	ADJ
ajbmeb-3222	7	6	,	,	PUNCT
ajbmeb-3222	7	7	socially	socially	ADV
ajbmeb-3222	7	8	oriented	orient	VERB
ajbmeb-3222	7	9	development	development	NOUN
ajbmeb-3222	7	10	mechanism	mechanism	NOUN
ajbmeb-3222	7	11	that	that	PRON
ajbmeb-3222	7	12	contributes	contribute	VERB
ajbmeb-3222	7	13	to	to	ADP
ajbmeb-3222	7	14	the	the	DET
ajbmeb-3222	7	15	development	development	NOUN
ajbmeb-3222	7	16	of	of	ADP
ajbmeb-3222	7	17	the	the	DET
ajbmeb-3222	7	18	national	national	ADJ
ajbmeb-3222	7	19	economy	economy	NOUN
ajbmeb-3222	7	20	.	.	PUNCT
ajbmeb-3222	8	1	it	it	PRON
ajbmeb-3222	8	2	has	have	VERB
ajbmeb-3222	8	3	a	a	DET
ajbmeb-3222	8	4	positive	positive	ADJ
ajbmeb-3222	8	5	effect	effect	NOUN
ajbmeb-3222	8	6	on	on	ADP
ajbmeb-3222	8	7	the	the	DET
ajbmeb-3222	8	8	economic	economic	ADJ
ajbmeb-3222	8	9	development	development	NOUN
ajbmeb-3222	8	10	of	of	ADP
ajbmeb-3222	8	11	the	the	DET
ajbmeb-3222	8	12	country	country	NOUN
ajbmeb-3222	8	13	and	and	CCONJ
ajbmeb-3222	8	14	reduces	reduce	VERB
ajbmeb-3222	8	15	the	the	DET
ajbmeb-3222	8	16	level	level	NOUN
ajbmeb-3222	8	17	of	of	ADP
ajbmeb-3222	8	18	influence	influence	NOUN
ajbmeb-3222	8	19	of	of	ADP
ajbmeb-3222	8	20	the	the	DET
ajbmeb-3222	8	21	global	global	ADJ
ajbmeb-3222	8	22	factor	factor	NOUN
ajbmeb-3222	8	23	.	.	PUNCT
ajbmeb-3222	9	1	currently	currently	ADV
ajbmeb-3222	9	2	,	,	PUNCT
ajbmeb-3222	9	3	the	the	DET
ajbmeb-3222	9	4	economic	economic	ADJ
ajbmeb-3222	9	5	changes	change	NOUN
ajbmeb-3222	9	6	in	in	ADP
ajbmeb-3222	9	7	the	the	DET
ajbmeb-3222	9	8	insurance	insurance	NOUN
ajbmeb-3222	9	9	activity	activity	NOUN
ajbmeb-3222	9	10	describe	describe	VERB
ajbmeb-3222	9	11	the	the	DET
ajbmeb-3222	9	12	existence	existence	NOUN
ajbmeb-3222	9	13	of	of	ADP
ajbmeb-3222	9	14	some	some	DET
ajbmeb-3222	9	15	shortcomings	shortcoming	NOUN
ajbmeb-3222	9	16	encountered	encounter	VERB
ajbmeb-3222	9	17	in	in	ADP
ajbmeb-3222	9	18	the	the	DET
ajbmeb-3222	9	19	process	process	NOUN
ajbmeb-3222	9	20	of	of	ADP
ajbmeb-3222	9	21	perfecting	perfect	VERB
ajbmeb-3222	9	22	the	the	DET
ajbmeb-3222	9	23	system	system	NOUN
ajbmeb-3222	9	24	.	.	PUNCT
ajbmeb-3222	10	1	at	at	ADP
ajbmeb-3222	10	2	the	the	DET
ajbmeb-3222	10	3	same	same	ADJ
ajbmeb-3222	10	4	time	time	NOUN
ajbmeb-3222	10	5	,	,	PUNCT
ajbmeb-3222	10	6	state	state	NOUN
ajbmeb-3222	10	7	regulation	regulation	NOUN
ajbmeb-3222	10	8	of	of	ADP
ajbmeb-3222	10	9	insurance	insurance	NOUN
ajbmeb-3222	10	10	activities	activity	NOUN
ajbmeb-3222	10	11	is	be	AUX
ajbmeb-3222	10	12	one	one	NUM
ajbmeb-3222	10	13	of	of	ADP
ajbmeb-3222	10	14	the	the	DET
ajbmeb-3222	10	15	important	important	ADJ
ajbmeb-3222	10	16	aspects	aspect	NOUN
ajbmeb-3222	10	17	of	of	ADP
ajbmeb-3222	10	18	the	the	DET
ajbmeb-3222	10	19	insurance	insurance	NOUN
ajbmeb-3222	10	20	market	market	NOUN
ajbmeb-3222	10	21	.	.	PUNCT
ajbmeb-3222	11	1	in	in	ADP
ajbmeb-3222	11	2	this	this	DET
ajbmeb-3222	11	3	case	case	NOUN
ajbmeb-3222	11	4	,	,	PUNCT
ajbmeb-3222	11	5	the	the	DET
ajbmeb-3222	11	6	state	state	NOUN
ajbmeb-3222	11	7	exercises	exercise	VERB
ajbmeb-3222	11	8	control	control	VERB
ajbmeb-3222	11	9	over	over	ADP
ajbmeb-3222	11	10	the	the	DET
ajbmeb-3222	11	11	financial	financial	ADJ
ajbmeb-3222	11	12	stability	stability	NOUN
ajbmeb-3222	11	13	of	of	ADP
ajbmeb-3222	11	14	insurance	insurance	NOUN
ajbmeb-3222	11	15	companies	company	NOUN
ajbmeb-3222	11	16	,	,	PUNCT
ajbmeb-3222	11	17	establishes	establish	VERB
ajbmeb-3222	11	18	mandatory	mandatory	ADJ
ajbmeb-3222	11	19	licensing	licensing	NOUN
ajbmeb-3222	11	20	of	of	ADP
ajbmeb-3222	11	21	companies	company	NOUN
ajbmeb-3222	11	22	,	,	PUNCT
ajbmeb-3222	11	23	which	which	PRON
ajbmeb-3222	11	24	allows	allow	VERB
ajbmeb-3222	11	25	effective	effective	ADJ
ajbmeb-3222	11	26	regulation	regulation	NOUN
ajbmeb-3222	11	27	of	of	ADP
ajbmeb-3222	11	28	the	the	DET
ajbmeb-3222	11	29	insurance	insurance	NOUN
ajbmeb-3222	11	30	market	market	NOUN
ajbmeb-3222	11	31	mechanism	mechanism	NOUN
ajbmeb-3222	11	32	.	.	PUNCT
ajbmeb-3222	12	1	insurance	insurance	NOUN
ajbmeb-3222	12	2	organizations	organization	NOUN
ajbmeb-3222	12	3	offer	offer	VERB
ajbmeb-3222	12	4	market	market	NOUN
ajbmeb-3222	12	5	participants	participant	NOUN
ajbmeb-3222	12	6	an	an	DET
ajbmeb-3222	12	7	opportunity	opportunity	NOUN
ajbmeb-3222	12	8	to	to	PART
ajbmeb-3222	12	9	increase	increase	VERB
ajbmeb-3222	12	10	financial	financial	ADJ
ajbmeb-3222	12	11	efficiency	efficiency	NOUN
ajbmeb-3222	12	12	by	by	ADP
ajbmeb-3222	12	13	minimizing	minimize	VERB
ajbmeb-3222	12	14	risks	risk	NOUN
ajbmeb-3222	12	15	.	.	PUNCT
ajbmeb-3222	13	1	american	american	ADJ
ajbmeb-3222	13	2	journal	journal	PROPN
ajbmeb-3222	13	3	of	of	ADP
ajbmeb-3222	13	4	business	business	NOUN
ajbmeb-3222	13	5	management	management	NOUN
ajbmeb-3222	13	6	,	,	PUNCT
ajbmeb-3222	13	7	economics	economic	NOUN
ajbmeb-3222	13	8	and	and	CCONJ
ajbmeb-3222	13	9	banking	banking	NOUN
ajbmeb-3222	13	10	volume	volume	NOUN
ajbmeb-3222	13	11	43	43	NUM
ajbmeb-3222	14	1	december2025	december2025	PROPN
ajbmeb-3222	14	2	p	p	PROPN
ajbmeb-3222	14	3	a	a	DET
ajbmeb-3222	14	4	g	g	NOUN
ajbmeb-3222	14	5	e	e	NOUN
ajbmeb-3222	15	1	|	|	NOUN
ajbmeb-3222	15	2	58	58	NUM
ajbmeb-3222	15	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3222	15	4	in	in	ADP
ajbmeb-3222	15	5	accordance	accordance	NOUN
ajbmeb-3222	15	6	with	with	ADP
ajbmeb-3222	15	7	the	the	DET
ajbmeb-3222	15	8	general	general	ADJ
ajbmeb-3222	15	9	characteristics	characteristic	NOUN
ajbmeb-3222	15	10	of	of	ADP
ajbmeb-3222	15	11	insurance	insurance	NOUN
ajbmeb-3222	15	12	risks	risk	NOUN
ajbmeb-3222	15	13	or	or	CCONJ
ajbmeb-3222	15	14	their	their	PRON
ajbmeb-3222	15	15	groups	group	NOUN
ajbmeb-3222	15	16	and	and	CCONJ
ajbmeb-3222	15	17	obligations	obligation	NOUN
ajbmeb-3222	15	18	related	relate	VERB
ajbmeb-3222	15	19	to	to	ADP
ajbmeb-3222	15	20	them	they	PRON
ajbmeb-3222	15	21	,	,	PUNCT
ajbmeb-3222	15	22	insurance	insurance	NOUN
ajbmeb-3222	15	23	areas	area	NOUN
ajbmeb-3222	15	24	are	be	AUX
ajbmeb-3222	15	25	divided	divide	VERB
ajbmeb-3222	15	26	into	into	ADP
ajbmeb-3222	15	27	insurance	insurance	NOUN
ajbmeb-3222	15	28	types	type	NOUN
ajbmeb-3222	15	29	(	(	PUNCT
ajbmeb-3222	15	30	classes	class	NOUN
ajbmeb-3222	15	31	)	)	PUNCT
ajbmeb-3222	15	32	.	.	PUNCT
ajbmeb-3222	16	1	types	type	NOUN
ajbmeb-3222	16	2	(	(	PUNCT
ajbmeb-3222	16	3	classes	class	NOUN
ajbmeb-3222	16	4	)	)	PUNCT
ajbmeb-3222	16	5	of	of	ADP
ajbmeb-3222	16	6	insurance	insurance	NOUN
ajbmeb-3222	16	7	are	be	AUX
ajbmeb-3222	16	8	determined	determine	VERB
ajbmeb-3222	16	9	by	by	ADP
ajbmeb-3222	16	10	the	the	DET
ajbmeb-3222	16	11	cabinet	cabinet	NOUN
ajbmeb-3222	16	12	of	of	ADP
ajbmeb-3222	16	13	ministers	minister	NOUN
ajbmeb-3222	16	14	of	of	ADP
ajbmeb-3222	16	15	the	the	DET
ajbmeb-3222	16	16	republic	republic	NOUN
ajbmeb-3222	16	17	of	of	ADP
ajbmeb-3222	16	18	uzbekistan	uzbekistan	PROPN
ajbmeb-3222	17	1	[	[	X
ajbmeb-3222	17	2	2	2	NUM
ajbmeb-3222	17	3	]	]	PUNCT
ajbmeb-3222	17	4	.	.	PUNCT
ajbmeb-3222	18	1	review	review	NOUN
ajbmeb-3222	18	2	evaluation	evaluation	NOUN
ajbmeb-3222	18	3	activity	activity	NOUN
ajbmeb-3222	18	4	is	be	AUX
ajbmeb-3222	18	5	also	also	ADV
ajbmeb-3222	18	6	an	an	DET
ajbmeb-3222	18	7	important	important	ADJ
ajbmeb-3222	18	8	component	component	NOUN
ajbmeb-3222	18	9	necessary	necessary	ADJ
ajbmeb-3222	18	10	to	to	PART
ajbmeb-3222	18	11	achieve	achieve	VERB
ajbmeb-3222	18	12	the	the	DET
ajbmeb-3222	18	13	most	most	ADV
ajbmeb-3222	18	14	optimal	optimal	ADJ
ajbmeb-3222	18	15	results	result	NOUN
ajbmeb-3222	18	16	in	in	ADP
ajbmeb-3222	18	17	the	the	DET
ajbmeb-3222	18	18	economic	economic	ADJ
ajbmeb-3222	18	19	transformation	transformation	NOUN
ajbmeb-3222	18	20	of	of	ADP
ajbmeb-3222	18	21	the	the	DET
ajbmeb-3222	18	22	regions	region	NOUN
ajbmeb-3222	18	23	in	in	ADP
ajbmeb-3222	18	24	the	the	DET
ajbmeb-3222	18	25	creation	creation	NOUN
ajbmeb-3222	18	26	of	of	ADP
ajbmeb-3222	18	27	the	the	DET
ajbmeb-3222	18	28	infrastructure	infrastructure	NOUN
ajbmeb-3222	18	29	of	of	ADP
ajbmeb-3222	18	30	developed	develop	VERB
ajbmeb-3222	18	31	countries	country	NOUN
ajbmeb-3222	18	32	.	.	PUNCT
ajbmeb-3222	19	1	in	in	ADP
ajbmeb-3222	19	2	the	the	DET
ajbmeb-3222	19	3	republic	republic	NOUN
ajbmeb-3222	19	4	,	,	PUNCT
ajbmeb-3222	19	5	a	a	DET
ajbmeb-3222	19	6	solid	solid	ADJ
ajbmeb-3222	19	7	legal	legal	ADJ
ajbmeb-3222	19	8	framework	framework	NOUN
ajbmeb-3222	19	9	regulating	regulate	VERB
ajbmeb-3222	19	10	evaluation	evaluation	NOUN
ajbmeb-3222	19	11	activities	activity	NOUN
ajbmeb-3222	19	12	has	have	AUX
ajbmeb-3222	19	13	been	be	AUX
ajbmeb-3222	19	14	formed	form	VERB
ajbmeb-3222	19	15	,	,	PUNCT
ajbmeb-3222	19	16	extensive	extensive	ADJ
ajbmeb-3222	19	17	work	work	NOUN
ajbmeb-3222	19	18	has	have	AUX
ajbmeb-3222	19	19	been	be	AUX
ajbmeb-3222	19	20	done	do	VERB
ajbmeb-3222	19	21	to	to	PART
ajbmeb-3222	19	22	develop	develop	VERB
ajbmeb-3222	19	23	the	the	DET
ajbmeb-3222	19	24	evaluation	evaluation	NOUN
ajbmeb-3222	19	25	services	service	NOUN
ajbmeb-3222	19	26	market	market	NOUN
ajbmeb-3222	19	27	,	,	PUNCT
ajbmeb-3222	19	28	to	to	PART
ajbmeb-3222	19	29	increase	increase	VERB
ajbmeb-3222	19	30	responsibility	responsibility	NOUN
ajbmeb-3222	19	31	for	for	ADP
ajbmeb-3222	19	32	the	the	DET
ajbmeb-3222	19	33	results	result	NOUN
ajbmeb-3222	19	34	and	and	CCONJ
ajbmeb-3222	19	35	objectivity	objectivity	NOUN
ajbmeb-3222	19	36	of	of	ADP
ajbmeb-3222	19	37	evaluation	evaluation	NOUN
ajbmeb-3222	19	38	work	work	NOUN
ajbmeb-3222	19	39	[	[	X
ajbmeb-3222	19	40	10	10	NUM
ajbmeb-3222	19	41	]	]	PUNCT
ajbmeb-3222	19	42	.	.	PUNCT
ajbmeb-3222	20	1	in	in	ADP
ajbmeb-3222	20	2	international	international	ADJ
ajbmeb-3222	20	3	practice	practice	NOUN
ajbmeb-3222	20	4	,	,	PUNCT
ajbmeb-3222	20	5	evaluation	evaluation	NOUN
ajbmeb-3222	20	6	occupies	occupy	VERB
ajbmeb-3222	20	7	a	a	DET
ajbmeb-3222	20	8	worthy	worthy	ADJ
ajbmeb-3222	20	9	place	place	NOUN
ajbmeb-3222	20	10	in	in	ADP
ajbmeb-3222	20	11	the	the	DET
ajbmeb-3222	20	12	market	market	NOUN
ajbmeb-3222	20	13	management	management	NOUN
ajbmeb-3222	20	14	system	system	NOUN
ajbmeb-3222	20	15	.	.	PUNCT
ajbmeb-3222	21	1	in	in	ADP
ajbmeb-3222	21	2	the	the	DET
ajbmeb-3222	21	3	past	past	NOUN
ajbmeb-3222	21	4	decade	decade	NOUN
ajbmeb-3222	21	5	,	,	PUNCT
ajbmeb-3222	21	6	the	the	DET
ajbmeb-3222	21	7	results	result	NOUN
ajbmeb-3222	21	8	of	of	ADP
ajbmeb-3222	21	9	risk	risk	NOUN
ajbmeb-3222	21	10	assessment	assessment	NOUN
ajbmeb-3222	21	11	have	have	AUX
ajbmeb-3222	21	12	served	serve	VERB
ajbmeb-3222	21	13	as	as	ADP
ajbmeb-3222	21	14	the	the	DET
ajbmeb-3222	21	15	basis	basis	NOUN
ajbmeb-3222	21	16	for	for	ADP
ajbmeb-3222	21	17	most	most	ADJ
ajbmeb-3222	21	18	decisions	decision	NOUN
ajbmeb-3222	21	19	in	in	ADP
ajbmeb-3222	21	20	the	the	DET
ajbmeb-3222	21	21	private	private	ADJ
ajbmeb-3222	21	22	and	and	CCONJ
ajbmeb-3222	21	23	public	public	ADJ
ajbmeb-3222	21	24	sectors	sector	NOUN
ajbmeb-3222	21	25	.	.	PUNCT
ajbmeb-3222	22	1	the	the	DET
ajbmeb-3222	22	2	main	main	ADJ
ajbmeb-3222	22	3	purpose	purpose	NOUN
ajbmeb-3222	22	4	of	of	ADP
ajbmeb-3222	22	5	risk	risk	NOUN
ajbmeb-3222	22	6	assessment	assessment	NOUN
ajbmeb-3222	22	7	is	be	AUX
ajbmeb-3222	22	8	to	to	PART
ajbmeb-3222	22	9	ensure	ensure	VERB
ajbmeb-3222	22	10	the	the	DET
ajbmeb-3222	22	11	financial	financial	ADJ
ajbmeb-3222	22	12	stability	stability	NOUN
ajbmeb-3222	22	13	of	of	ADP
ajbmeb-3222	22	14	the	the	DET
ajbmeb-3222	22	15	enterprise	enterprise	NOUN
ajbmeb-3222	22	16	and	and	CCONJ
ajbmeb-3222	22	17	its	its	PRON
ajbmeb-3222	22	18	competitiveness	competitiveness	NOUN
ajbmeb-3222	22	19	.	.	PUNCT
ajbmeb-3222	23	1	it	it	PRON
ajbmeb-3222	23	2	is	be	AUX
ajbmeb-3222	23	3	known	know	VERB
ajbmeb-3222	23	4	that	that	SCONJ
ajbmeb-3222	23	5	the	the	DET
ajbmeb-3222	23	6	main	main	ADJ
ajbmeb-3222	23	7	goal	goal	NOUN
ajbmeb-3222	23	8	and	and	CCONJ
ajbmeb-3222	23	9	task	task	NOUN
ajbmeb-3222	23	10	of	of	ADP
ajbmeb-3222	23	11	any	any	DET
ajbmeb-3222	23	12	organization	organization	NOUN
ajbmeb-3222	23	13	is	be	AUX
ajbmeb-3222	23	14	to	to	PART
ajbmeb-3222	23	15	increase	increase	VERB
ajbmeb-3222	23	16	profit	profit	NOUN
ajbmeb-3222	23	17	and	and	CCONJ
ajbmeb-3222	23	18	minimize	minimize	VERB
ajbmeb-3222	23	19	risks	risk	NOUN
ajbmeb-3222	23	20	affecting	affect	VERB
ajbmeb-3222	23	21	financial	financial	ADJ
ajbmeb-3222	23	22	efficiency	efficiency	NOUN
ajbmeb-3222	23	23	,	,	PUNCT
ajbmeb-3222	23	24	ensuring	ensure	VERB
ajbmeb-3222	23	25	successful	successful	ADJ
ajbmeb-3222	23	26	operation	operation	NOUN
ajbmeb-3222	23	27	of	of	ADP
ajbmeb-3222	23	28	activities	activity	NOUN
ajbmeb-3222	23	29	.	.	PUNCT
ajbmeb-3222	24	1	considering	consider	VERB
ajbmeb-3222	24	2	that	that	SCONJ
ajbmeb-3222	24	3	the	the	DET
ajbmeb-3222	24	4	risk	risk	NOUN
ajbmeb-3222	24	5	may	may	AUX
ajbmeb-3222	24	6	arise	arise	VERB
ajbmeb-3222	24	7	at	at	ADP
ajbmeb-3222	24	8	any	any	DET
ajbmeb-3222	24	9	time	time	NOUN
ajbmeb-3222	24	10	,	,	PUNCT
ajbmeb-3222	24	11	the	the	DET
ajbmeb-3222	24	12	evaluator	evaluator	NOUN
ajbmeb-3222	24	13	must	must	AUX
ajbmeb-3222	24	14	first	first	ADV
ajbmeb-3222	24	15	determine	determine	VERB
ajbmeb-3222	24	16	the	the	DET
ajbmeb-3222	24	17	current	current	ADJ
ajbmeb-3222	24	18	state	state	NOUN
ajbmeb-3222	24	19	of	of	ADP
ajbmeb-3222	24	20	the	the	DET
ajbmeb-3222	24	21	economic	economic	ADJ
ajbmeb-3222	24	22	environment	environment	NOUN
ajbmeb-3222	24	23	.	.	PUNCT
ajbmeb-3222	25	1	today	today	NOUN
ajbmeb-3222	25	2	,	,	PUNCT
ajbmeb-3222	25	3	the	the	DET
ajbmeb-3222	25	4	fact	fact	NOUN
ajbmeb-3222	25	5	that	that	SCONJ
ajbmeb-3222	25	6	there	there	PRON
ajbmeb-3222	25	7	are	be	VERB
ajbmeb-3222	25	8	more	more	ADJ
ajbmeb-3222	25	9	than	than	ADP
ajbmeb-3222	25	10	two	two	NUM
ajbmeb-3222	25	11	hundred	hundred	NUM
ajbmeb-3222	25	12	evaluation	evaluation	NOUN
ajbmeb-3222	25	13	organizations	organization	NOUN
ajbmeb-3222	25	14	operating	operate	VERB
ajbmeb-3222	25	15	in	in	ADP
ajbmeb-3222	25	16	the	the	DET
ajbmeb-3222	25	17	market	market	NOUN
ajbmeb-3222	25	18	of	of	ADP
ajbmeb-3222	25	19	evaluation	evaluation	NOUN
ajbmeb-3222	25	20	services	service	NOUN
ajbmeb-3222	25	21	in	in	ADP
ajbmeb-3222	25	22	the	the	DET
ajbmeb-3222	25	23	country	country	NOUN
ajbmeb-3222	25	24	,	,	PUNCT
ajbmeb-3222	25	25	with	with	ADP
ajbmeb-3222	25	26	about	about	ADV
ajbmeb-3222	25	27	a	a	DET
ajbmeb-3222	25	28	thousand	thousand	NUM
ajbmeb-3222	25	29	evaluators	evaluator	NOUN
ajbmeb-3222	25	30	with	with	ADP
ajbmeb-3222	25	31	qualification	qualification	NOUN
ajbmeb-3222	25	32	certificates	certificate	NOUN
ajbmeb-3222	25	33	,	,	PUNCT
ajbmeb-3222	25	34	indicates	indicate	VERB
ajbmeb-3222	25	35	that	that	SCONJ
ajbmeb-3222	25	36	evaluation	evaluation	NOUN
ajbmeb-3222	25	37	activities	activity	NOUN
ajbmeb-3222	25	38	are	be	AUX
ajbmeb-3222	25	39	becoming	become	VERB
ajbmeb-3222	25	40	an	an	DET
ajbmeb-3222	25	41	indispensable	indispensable	ADJ
ajbmeb-3222	25	42	tool	tool	NOUN
ajbmeb-3222	25	43	in	in	ADP
ajbmeb-3222	25	44	the	the	DET
ajbmeb-3222	25	45	arsenal	arsenal	NOUN
ajbmeb-3222	25	46	of	of	ADP
ajbmeb-3222	25	47	modern	modern	ADJ
ajbmeb-3222	25	48	entrepreneurship	entrepreneurship	NOUN
ajbmeb-3222	25	49	,	,	PUNCT
ajbmeb-3222	25	50	finance	finance	NOUN
ajbmeb-3222	25	51	and	and	CCONJ
ajbmeb-3222	25	52	managers	manager	NOUN
ajbmeb-3222	26	1	[	[	X
ajbmeb-3222	26	2	11,12	11,12	NUM
ajbmeb-3222	26	3	]	]	PUNCT
ajbmeb-3222	26	4	.	.	PUNCT
ajbmeb-3222	27	1	material	material	NOUN
ajbmeb-3222	27	2	and	and	CCONJ
ajbmeb-3222	27	3	method	method	VERB
ajbmeb-3222	27	4	the	the	DET
ajbmeb-3222	27	5	most	most	ADV
ajbmeb-3222	27	6	important	important	ADJ
ajbmeb-3222	27	7	and	and	CCONJ
ajbmeb-3222	27	8	problematic	problematic	ADJ
ajbmeb-3222	27	9	aspect	aspect	NOUN
ajbmeb-3222	27	10	of	of	ADP
ajbmeb-3222	27	11	insurance	insurance	NOUN
ajbmeb-3222	27	12	implementation	implementation	NOUN
ajbmeb-3222	27	13	in	in	ADP
ajbmeb-3222	27	14	insurance	insurance	NOUN
ajbmeb-3222	27	15	companies	company	NOUN
ajbmeb-3222	27	16	is	be	AUX
ajbmeb-3222	27	17	risk	risk	NOUN
ajbmeb-3222	27	18	assessment	assessment	NOUN
ajbmeb-3222	27	19	.	.	PUNCT
ajbmeb-3222	28	1	because	because	SCONJ
ajbmeb-3222	28	2	as	as	ADP
ajbmeb-3222	28	3	a	a	DET
ajbmeb-3222	28	4	result	result	NOUN
ajbmeb-3222	28	5	of	of	ADP
ajbmeb-3222	28	6	the	the	DET
ajbmeb-3222	28	7	wrong	wrong	ADJ
ajbmeb-3222	28	8	assessment	assessment	NOUN
ajbmeb-3222	28	9	of	of	ADP
ajbmeb-3222	28	10	risks	risk	NOUN
ajbmeb-3222	28	11	,	,	PUNCT
ajbmeb-3222	28	12	insurance	insurance	NOUN
ajbmeb-3222	28	13	companies	company	NOUN
ajbmeb-3222	28	14	may	may	AUX
ajbmeb-3222	28	15	face	face	VERB
ajbmeb-3222	28	16	large	large	ADJ
ajbmeb-3222	28	17	financial	financial	ADJ
ajbmeb-3222	28	18	losses	loss	NOUN
ajbmeb-3222	28	19	.	.	PUNCT
ajbmeb-3222	29	1	today	today	NOUN
ajbmeb-3222	29	2	,	,	PUNCT
ajbmeb-3222	29	3	risk	risk	NOUN
ajbmeb-3222	29	4	assessment	assessment	NOUN
ajbmeb-3222	29	5	is	be	AUX
ajbmeb-3222	29	6	a	a	DET
ajbmeb-3222	29	7	complex	complex	ADJ
ajbmeb-3222	29	8	area	area	NOUN
ajbmeb-3222	29	9	that	that	PRON
ajbmeb-3222	29	10	needs	need	VERB
ajbmeb-3222	29	11	to	to	PART
ajbmeb-3222	29	12	be	be	AUX
ajbmeb-3222	29	13	researched	research	VERB
ajbmeb-3222	29	14	not	not	PART
ajbmeb-3222	29	15	only	only	ADV
ajbmeb-3222	29	16	in	in	ADP
ajbmeb-3222	29	17	the	the	DET
ajbmeb-3222	29	18	insurance	insurance	NOUN
ajbmeb-3222	29	19	market	market	NOUN
ajbmeb-3222	29	20	of	of	ADP
ajbmeb-3222	29	21	our	our	PRON
ajbmeb-3222	29	22	country	country	NOUN
ajbmeb-3222	29	23	,	,	PUNCT
ajbmeb-3222	29	24	but	but	CCONJ
ajbmeb-3222	29	25	also	also	ADV
ajbmeb-3222	29	26	in	in	ADP
ajbmeb-3222	29	27	the	the	DET
ajbmeb-3222	29	28	world	world	NOUN
ajbmeb-3222	29	29	.	.	PUNCT
ajbmeb-3222	30	1	the	the	DET
ajbmeb-3222	30	2	scientific	scientific	ADJ
ajbmeb-3222	30	3	theory	theory	NOUN
ajbmeb-3222	30	4	and	and	CCONJ
ajbmeb-3222	30	5	researches	research	NOUN
ajbmeb-3222	30	6	of	of	ADP
ajbmeb-3222	30	7	foreign	foreign	ADJ
ajbmeb-3222	30	8	scientists	scientist	NOUN
ajbmeb-3222	30	9	on	on	ADP
ajbmeb-3222	30	10	the	the	DET
ajbmeb-3222	30	11	subject	subject	NOUN
ajbmeb-3222	30	12	of	of	ADP
ajbmeb-3222	30	13	insurance	insurance	NOUN
ajbmeb-3222	30	14	risk	risk	NOUN
ajbmeb-3222	30	15	assessment	assessment	NOUN
ajbmeb-3222	30	16	were	be	AUX
ajbmeb-3222	30	17	first	first	ADV
ajbmeb-3222	30	18	studied	study	VERB
ajbmeb-3222	30	19	in	in	ADP
ajbmeb-3222	30	20	the	the	DET
ajbmeb-3222	30	21	coverage	coverage	NOUN
ajbmeb-3222	30	22	of	of	ADP
ajbmeb-3222	30	23	this	this	DET
ajbmeb-3222	30	24	research	research	NOUN
ajbmeb-3222	30	25	work	work	NOUN
ajbmeb-3222	30	26	.	.	PUNCT
ajbmeb-3222	31	1	in	in	ADP
ajbmeb-3222	31	2	particular	particular	ADJ
ajbmeb-3222	31	3	,	,	PUNCT
ajbmeb-3222	31	4	han	han	PROPN
ajbmeb-3222	31	5	haiyun	haiyun	PROPN
ajbmeb-3222	31	6	,	,	PUNCT
ajbmeb-3222	31	7	one	one	NUM
ajbmeb-3222	31	8	of	of	ADP
ajbmeb-3222	31	9	the	the	DET
ajbmeb-3222	31	10	representatives	representative	NOUN
ajbmeb-3222	31	11	of	of	ADP
ajbmeb-3222	31	12	a	a	DET
ajbmeb-3222	31	13	group	group	NOUN
ajbmeb-3222	31	14	of	of	ADP
ajbmeb-3222	31	15	chinese	chinese	ADJ
ajbmeb-3222	31	16	scientists	scientist	NOUN
ajbmeb-3222	31	17	,	,	PUNCT
ajbmeb-3222	31	18	analyzed	analyze	VERB
ajbmeb-3222	31	19	the	the	DET
ajbmeb-3222	31	20	indicators	indicator	NOUN
ajbmeb-3222	31	21	of	of	ADP
ajbmeb-3222	31	22	insurance	insurance	NOUN
ajbmeb-3222	31	23	risk	risk	NOUN
ajbmeb-3222	31	24	assessment	assessment	NOUN
ajbmeb-3222	31	25	divided	divide	VERB
ajbmeb-3222	31	26	into	into	ADP
ajbmeb-3222	31	27	three	three	NUM
ajbmeb-3222	31	28	levels	level	NOUN
ajbmeb-3222	31	29	,	,	PUNCT
ajbmeb-3222	31	30	where	where	SCONJ
ajbmeb-3222	31	31	the	the	DET
ajbmeb-3222	31	32	first	first	ADJ
ajbmeb-3222	31	33	level	level	NOUN
ajbmeb-3222	31	34	includes	include	VERB
ajbmeb-3222	31	35	3	3	NUM
ajbmeb-3222	31	36	indicators	indicator	NOUN
ajbmeb-3222	31	37	,	,	PUNCT
ajbmeb-3222	31	38	the	the	DET
ajbmeb-3222	31	39	second	second	ADJ
ajbmeb-3222	31	40	level	level	NOUN
ajbmeb-3222	31	41	includes	include	VERB
ajbmeb-3222	31	42	9	9	NUM
ajbmeb-3222	31	43	indicators	indicator	NOUN
ajbmeb-3222	31	44	,	,	PUNCT
ajbmeb-3222	31	45	and	and	CCONJ
ajbmeb-3222	31	46	the	the	DET
ajbmeb-3222	31	47	third	third	ADJ
ajbmeb-3222	31	48	level	level	NOUN
ajbmeb-3222	31	49	includes	include	VERB
ajbmeb-3222	31	50	30	30	NUM
ajbmeb-3222	31	51	indicators	indicator	NOUN
ajbmeb-3222	31	52	[	[	X
ajbmeb-3222	31	53	7	7	NUM
ajbmeb-3222	31	54	]	]	PUNCT
ajbmeb-3222	31	55	.	.	PUNCT
ajbmeb-3222	32	1	in	in	ADP
ajbmeb-3222	32	2	addition	addition	NOUN
ajbmeb-3222	32	3	,	,	PUNCT
ajbmeb-3222	32	4	shuo	shuo	PROPN
ajbmeb-3222	32	5	chen	chen	PROPN
ajbmeb-3222	32	6	et	et	PROPN
ajbmeb-3222	32	7	al	al	PROPN
ajbmeb-3222	32	8	.	.	PROPN
ajbmeb-3222	32	9	,	,	PUNCT
ajbmeb-3222	32	10	in	in	ADP
ajbmeb-3222	32	11	their	their	PRON
ajbmeb-3222	32	12	research	research	NOUN
ajbmeb-3222	32	13	on	on	ADP
ajbmeb-3222	32	14	insurance	insurance	NOUN
ajbmeb-3222	32	15	risk	risk	NOUN
ajbmeb-3222	32	16	assessment	assessment	NOUN
ajbmeb-3222	32	17	and	and	CCONJ
ajbmeb-3222	32	18	improvement	improvement	NOUN
ajbmeb-3222	32	19	under	under	ADP
ajbmeb-3222	32	20	pandemic	pandemic	ADJ
ajbmeb-3222	32	21	conditions	condition	NOUN
ajbmeb-3222	32	22	,	,	PUNCT
ajbmeb-3222	32	23	investigated	investigate	VERB
ajbmeb-3222	32	24	the	the	DET
ajbmeb-3222	32	25	changes	change	NOUN
ajbmeb-3222	32	26	in	in	ADP
ajbmeb-3222	32	27	the	the	DET
ajbmeb-3222	32	28	insurance	insurance	NOUN
ajbmeb-3222	32	29	market	market	NOUN
ajbmeb-3222	32	30	based	base	VERB
ajbmeb-3222	32	31	on	on	ADP
ajbmeb-3222	32	32	data	datum	NOUN
ajbmeb-3222	32	33	from	from	ADP
ajbmeb-3222	32	34	before	before	ADV
ajbmeb-3222	32	35	and	and	CCONJ
ajbmeb-3222	32	36	after	after	ADP
ajbmeb-3222	32	37	the	the	DET
ajbmeb-3222	32	38	outbreak	outbreak	NOUN
ajbmeb-3222	32	39	of	of	ADP
ajbmeb-3222	32	40	covid-19	covid-19	PROPN
ajbmeb-3222	33	1	[	[	X
ajbmeb-3222	33	2	8	8	NUM
ajbmeb-3222	33	3	]	]	PUNCT
ajbmeb-3222	33	4	.	.	PUNCT
ajbmeb-3222	34	1	the	the	DET
ajbmeb-3222	34	2	assessment	assessment	NOUN
ajbmeb-3222	34	3	of	of	ADP
ajbmeb-3222	34	4	insurance	insurance	NOUN
ajbmeb-3222	34	5	risks	risk	NOUN
ajbmeb-3222	34	6	warns	warn	VERB
ajbmeb-3222	34	7	about	about	ADP
ajbmeb-3222	34	8	situations	situation	NOUN
ajbmeb-3222	34	9	related	relate	VERB
ajbmeb-3222	34	10	to	to	ADP
ajbmeb-3222	34	11	the	the	DET
ajbmeb-3222	34	12	instability	instability	NOUN
ajbmeb-3222	34	13	of	of	ADP
ajbmeb-3222	34	14	the	the	DET
ajbmeb-3222	34	15	financial	financial	ADJ
ajbmeb-3222	34	16	efficiency	efficiency	NOUN
ajbmeb-3222	34	17	of	of	ADP
ajbmeb-3222	34	18	the	the	DET
ajbmeb-3222	34	19	enterprise	enterprise	NOUN
ajbmeb-3222	34	20	.	.	PUNCT
ajbmeb-3222	35	1	also	also	ADV
ajbmeb-3222	35	2	,	,	PUNCT
ajbmeb-3222	35	3	economists	economist	NOUN
ajbmeb-3222	35	4	in	in	ADP
ajbmeb-3222	35	5	our	our	PRON
ajbmeb-3222	35	6	country	country	NOUN
ajbmeb-3222	35	7	have	have	AUX
ajbmeb-3222	35	8	put	put	VERB
ajbmeb-3222	35	9	forward	forward	ADV
ajbmeb-3222	35	10	their	their	PRON
ajbmeb-3222	35	11	scientific	scientific	ADJ
ajbmeb-3222	35	12	theories	theory	NOUN
ajbmeb-3222	35	13	on	on	ADP
ajbmeb-3222	35	14	several	several	ADJ
ajbmeb-3222	35	15	topics	topic	NOUN
ajbmeb-3222	35	16	related	relate	VERB
ajbmeb-3222	35	17	to	to	ADP
ajbmeb-3222	35	18	this	this	DET
ajbmeb-3222	35	19	research	research	NOUN
ajbmeb-3222	35	20	work	work	NOUN
ajbmeb-3222	35	21	.	.	PUNCT
ajbmeb-3222	36	1	in	in	ADP
ajbmeb-3222	36	2	particular	particular	ADJ
ajbmeb-3222	36	3	,	,	PUNCT
ajbmeb-3222	36	4	in	in	ADP
ajbmeb-3222	36	5	the	the	DET
ajbmeb-3222	36	6	opinion	opinion	NOUN
ajbmeb-3222	36	7	of	of	ADP
ajbmeb-3222	36	8	phd	phd	NOUN
ajbmeb-3222	36	9	in	in	ADP
ajbmeb-3222	36	10	economics	economic	NOUN
ajbmeb-3222	36	11	,	,	PUNCT
ajbmeb-3222	36	12	associate	associate	ADJ
ajbmeb-3222	36	13	professor	professor	NOUN
ajbmeb-3222	36	14	guliraykhan	guliraykhan	PROPN
ajbmeb-3222	36	15	baymuratova	baymuratova	PROPN
ajbmeb-3222	36	16	,	,	PUNCT
ajbmeb-3222	36	17	the	the	DET
ajbmeb-3222	36	18	formation	formation	NOUN
ajbmeb-3222	36	19	of	of	ADP
ajbmeb-3222	36	20	conceptual	conceptual	ADJ
ajbmeb-3222	36	21	approaches	approach	NOUN
ajbmeb-3222	36	22	to	to	PART
ajbmeb-3222	36	23	risk	risk	NOUN
ajbmeb-3222	36	24	assessment	assessment	NOUN
ajbmeb-3222	36	25	is	be	AUX
ajbmeb-3222	36	26	relevant	relevant	ADJ
ajbmeb-3222	36	27	and	and	CCONJ
ajbmeb-3222	36	28	directly	directly	ADV
ajbmeb-3222	36	29	or	or	CCONJ
ajbmeb-3222	36	30	indirectly	indirectly	ADV
ajbmeb-3222	36	31	affects	affect	VERB
ajbmeb-3222	36	32	the	the	DET
ajbmeb-3222	36	33	results	result	NOUN
ajbmeb-3222	36	34	of	of	ADP
ajbmeb-3222	36	35	the	the	DET
ajbmeb-3222	36	36	company	company	NOUN
ajbmeb-3222	36	37	's	's	PART
ajbmeb-3222	36	38	financial	financial	ADJ
ajbmeb-3222	36	39	activity	activity	NOUN
ajbmeb-3222	36	40	,	,	PUNCT
ajbmeb-3222	36	41	and	and	CCONJ
ajbmeb-3222	36	42	the	the	DET
ajbmeb-3222	36	43	main	main	ADJ
ajbmeb-3222	36	44	task	task	NOUN
ajbmeb-3222	36	45	of	of	ADP
ajbmeb-3222	36	46	management	management	NOUN
ajbmeb-3222	36	47	when	when	SCONJ
ajbmeb-3222	36	48	choosing	choose	VERB
ajbmeb-3222	36	49	a	a	DET
ajbmeb-3222	36	50	risk	risk	NOUN
ajbmeb-3222	36	51	management	management	NOUN
ajbmeb-3222	36	52	method	method	NOUN
ajbmeb-3222	36	53	is	be	AUX
ajbmeb-3222	36	54	to	to	PART
ajbmeb-3222	36	55	assess	assess	VERB
ajbmeb-3222	36	56	and	and	CCONJ
ajbmeb-3222	36	57	analyze	analyze	VERB
ajbmeb-3222	36	58	potential	potential	ADJ
ajbmeb-3222	36	59	risk	risk	NOUN
ajbmeb-3222	36	60	,	,	PUNCT
ajbmeb-3222	36	61	identify	identify	VERB
ajbmeb-3222	36	62	factors	factor	NOUN
ajbmeb-3222	36	63	that	that	PRON
ajbmeb-3222	36	64	increase	increase	VERB
ajbmeb-3222	36	65	it	it	PRON
ajbmeb-3222	36	66	,	,	PUNCT
ajbmeb-3222	36	67	and	and	CCONJ
ajbmeb-3222	36	68	reduce	reduce	VERB
ajbmeb-3222	36	69	risks	risk	NOUN
ajbmeb-3222	36	70	.	.	PUNCT
ajbmeb-3222	37	1	is	be	AUX
ajbmeb-3222	37	2	interpreted	interpret	VERB
ajbmeb-3222	37	3	as	as	ADP
ajbmeb-3222	37	4	the	the	DET
ajbmeb-3222	37	5	choice	choice	NOUN
ajbmeb-3222	37	6	of	of	ADP
ajbmeb-3222	37	7	methods	method	NOUN
ajbmeb-3222	37	8	[	[	X
ajbmeb-3222	37	9	9	9	NUM
ajbmeb-3222	37	10	]	]	PUNCT
ajbmeb-3222	37	11	.	.	PUNCT
ajbmeb-3222	38	1	the	the	DET
ajbmeb-3222	38	2	first	first	ADJ
ajbmeb-3222	38	3	step	step	NOUN
ajbmeb-3222	38	4	in	in	ADP
ajbmeb-3222	38	5	risk	risk	NOUN
ajbmeb-3222	38	6	assessment	assessment	NOUN
ajbmeb-3222	38	7	is	be	AUX
ajbmeb-3222	38	8	to	to	PART
ajbmeb-3222	38	9	identify	identify	VERB
ajbmeb-3222	38	10	the	the	DET
ajbmeb-3222	38	11	existing	exist	VERB
ajbmeb-3222	38	12	risk	risk	NOUN
ajbmeb-3222	38	13	.	.	PUNCT
ajbmeb-3222	39	1	this	this	DET
ajbmeb-3222	39	2	stage	stage	NOUN
ajbmeb-3222	39	3	includes	include	VERB
ajbmeb-3222	39	4	identification	identification	NOUN
ajbmeb-3222	39	5	and	and	CCONJ
ajbmeb-3222	39	6	description	description	NOUN
ajbmeb-3222	39	7	of	of	ADP
ajbmeb-3222	39	8	risks	risk	NOUN
ajbmeb-3222	39	9	that	that	PRON
ajbmeb-3222	39	10	may	may	AUX
ajbmeb-3222	39	11	affect	affect	VERB
ajbmeb-3222	39	12	the	the	DET
ajbmeb-3222	39	13	achievement	achievement	NOUN
ajbmeb-3222	39	14	of	of	ADP
ajbmeb-3222	39	15	the	the	DET
ajbmeb-3222	39	16	final	final	ADJ
ajbmeb-3222	39	17	goal	goal	NOUN
ajbmeb-3222	39	18	.	.	PUNCT
ajbmeb-3222	40	1	in	in	ADP
ajbmeb-3222	40	2	the	the	DET
ajbmeb-3222	40	3	second	second	ADJ
ajbmeb-3222	40	4	stage	stage	NOUN
ajbmeb-3222	40	5	,	,	PUNCT
ajbmeb-3222	40	6	the	the	DET
ajbmeb-3222	40	7	source	source	NOUN
ajbmeb-3222	40	8	and	and	CCONJ
ajbmeb-3222	40	9	cause	cause	NOUN
ajbmeb-3222	40	10	of	of	ADP
ajbmeb-3222	40	11	the	the	DET
ajbmeb-3222	40	12	identified	identify	VERB
ajbmeb-3222	40	13	risk	risk	NOUN
ajbmeb-3222	40	14	is	be	AUX
ajbmeb-3222	40	15	analyzed	analyze	VERB
ajbmeb-3222	40	16	,	,	PUNCT
ajbmeb-3222	40	17	and	and	CCONJ
ajbmeb-3222	40	18	in	in	ADP
ajbmeb-3222	40	19	the	the	DET
ajbmeb-3222	40	20	third	third	ADJ
ajbmeb-3222	40	21	stage	stage	NOUN
ajbmeb-3222	40	22	,	,	PUNCT
ajbmeb-3222	41	1	the	the	DET
ajbmeb-3222	41	2	damages	damage	NOUN
ajbmeb-3222	41	3	resulting	result	VERB
ajbmeb-3222	41	4	from	from	ADP
ajbmeb-3222	41	5	the	the	DET
ajbmeb-3222	41	6	impact	impact	NOUN
ajbmeb-3222	41	7	american	american	ADJ
ajbmeb-3222	41	8	journal	journal	PROPN
ajbmeb-3222	41	9	of	of	ADP
ajbmeb-3222	41	10	business	business	NOUN
ajbmeb-3222	41	11	management	management	NOUN
ajbmeb-3222	41	12	,	,	PUNCT
ajbmeb-3222	41	13	economics	economic	NOUN
ajbmeb-3222	41	14	and	and	CCONJ
ajbmeb-3222	41	15	banking	banking	NOUN
ajbmeb-3222	41	16	volume	volume	NOUN
ajbmeb-3222	41	17	43	43	NUM
ajbmeb-3222	42	1	december2025	december2025	PROPN
ajbmeb-3222	42	2	p	p	PROPN
ajbmeb-3222	42	3	a	a	DET
ajbmeb-3222	42	4	g	g	NOUN
ajbmeb-3222	42	5	e	e	NOUN
ajbmeb-3222	42	6	|	|	ADV
ajbmeb-3222	42	7	59	59	NUM
ajbmeb-3222	42	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3222	42	9	of	of	ADP
ajbmeb-3222	42	10	the	the	DET
ajbmeb-3222	42	11	risk	risk	NOUN
ajbmeb-3222	42	12	are	be	AUX
ajbmeb-3222	42	13	assessed	assess	VERB
ajbmeb-3222	42	14	.	.	PUNCT
ajbmeb-3222	43	1	in	in	ADP
ajbmeb-3222	43	2	this	this	DET
ajbmeb-3222	43	3	case	case	NOUN
ajbmeb-3222	43	4	,	,	PUNCT
ajbmeb-3222	43	5	it	it	PRON
ajbmeb-3222	43	6	is	be	AUX
ajbmeb-3222	43	7	concluded	conclude	VERB
ajbmeb-3222	43	8	that	that	SCONJ
ajbmeb-3222	43	9	the	the	DET
ajbmeb-3222	43	10	assessed	assessed	ADJ
ajbmeb-3222	43	11	insurance	insurance	NOUN
ajbmeb-3222	43	12	risk	risk	NOUN
ajbmeb-3222	43	13	is	be	AUX
ajbmeb-3222	43	14	acceptable	acceptable	ADJ
ajbmeb-3222	43	15	,	,	PUNCT
ajbmeb-3222	43	16	permissible	permissible	ADJ
ajbmeb-3222	43	17	or	or	CCONJ
ajbmeb-3222	43	18	unacceptable	unacceptable	ADJ
ajbmeb-3222	43	19	[	[	X
ajbmeb-3222	43	20	4	4	NUM
ajbmeb-3222	43	21	]	]	PUNCT
ajbmeb-3222	43	22	.	.	PUNCT
ajbmeb-3222	44	1	the	the	DET
ajbmeb-3222	44	2	method	method	NOUN
ajbmeb-3222	44	3	of	of	ADP
ajbmeb-3222	44	4	risk	risk	NOUN
ajbmeb-3222	44	5	assessment	assessment	NOUN
ajbmeb-3222	44	6	in	in	ADP
ajbmeb-3222	44	7	insurance	insurance	NOUN
ajbmeb-3222	44	8	is	be	AUX
ajbmeb-3222	44	9	divided	divide	VERB
ajbmeb-3222	44	10	into	into	ADP
ajbmeb-3222	44	11	two	two	NUM
ajbmeb-3222	44	12	groups	group	NOUN
ajbmeb-3222	44	13	:	:	PUNCT
ajbmeb-3222	44	14	statistical	statistical	ADJ
ajbmeb-3222	44	15	method	method	NOUN
ajbmeb-3222	44	16	expert	expert	NOUN
ajbmeb-3222	44	17	method	method	NOUN
ajbmeb-3222	44	18	the	the	DET
ajbmeb-3222	44	19	statistical	statistical	ADJ
ajbmeb-3222	44	20	method	method	NOUN
ajbmeb-3222	44	21	allows	allow	VERB
ajbmeb-3222	44	22	to	to	PART
ajbmeb-3222	44	23	determine	determine	VERB
ajbmeb-3222	44	24	the	the	DET
ajbmeb-3222	44	25	risk	risk	NOUN
ajbmeb-3222	44	26	,	,	PUNCT
ajbmeb-3222	44	27	the	the	DET
ajbmeb-3222	44	28	amount	amount	NOUN
ajbmeb-3222	44	29	of	of	ADP
ajbmeb-3222	44	30	damage	damage	NOUN
ajbmeb-3222	44	31	,	,	PUNCT
ajbmeb-3222	44	32	the	the	DET
ajbmeb-3222	44	33	probability	probability	NOUN
ajbmeb-3222	44	34	of	of	ADP
ajbmeb-3222	44	35	occurrence	occurrence	NOUN
ajbmeb-3222	44	36	of	of	ADP
ajbmeb-3222	44	37	unpleasant	unpleasant	ADJ
ajbmeb-3222	44	38	events	event	NOUN
ajbmeb-3222	44	39	.	.	PUNCT
ajbmeb-3222	45	1	when	when	SCONJ
ajbmeb-3222	45	2	using	use	VERB
ajbmeb-3222	45	3	this	this	DET
ajbmeb-3222	45	4	method	method	NOUN
ajbmeb-3222	45	5	,	,	PUNCT
ajbmeb-3222	45	6	it	it	PRON
ajbmeb-3222	45	7	is	be	AUX
ajbmeb-3222	45	8	necessary	necessary	ADJ
ajbmeb-3222	45	9	for	for	SCONJ
ajbmeb-3222	45	10	the	the	DET
ajbmeb-3222	45	11	evaluator	evaluator	NOUN
ajbmeb-3222	45	12	to	to	PART
ajbmeb-3222	45	13	have	have	VERB
ajbmeb-3222	45	14	a	a	DET
ajbmeb-3222	45	15	large	large	ADJ
ajbmeb-3222	45	16	data	datum	NOUN
ajbmeb-3222	45	17	source	source	NOUN
ajbmeb-3222	45	18	.	.	PUNCT
ajbmeb-3222	46	1	two	two	NUM
ajbmeb-3222	46	2	statistical	statistical	ADJ
ajbmeb-3222	46	3	methods	method	NOUN
ajbmeb-3222	46	4	are	be	AUX
ajbmeb-3222	46	5	mainly	mainly	ADV
ajbmeb-3222	46	6	used	use	VERB
ajbmeb-3222	46	7	in	in	ADP
ajbmeb-3222	46	8	practice	practice	NOUN
ajbmeb-3222	46	9	:	:	PUNCT
ajbmeb-3222	46	10	scenario	scenario	NOUN
ajbmeb-3222	46	11	analysis	analysis	NOUN
ajbmeb-3222	46	12	and	and	CCONJ
ajbmeb-3222	46	13	dynamic	dynamic	ADJ
ajbmeb-3222	46	14	financial	financial	ADJ
ajbmeb-3222	46	15	analysis	analysis	NOUN
ajbmeb-3222	46	16	.	.	PUNCT
ajbmeb-3222	47	1	scenario	scenario	NOUN
ajbmeb-3222	47	2	analysis	analysis	NOUN
ajbmeb-3222	47	3	is	be	AUX
ajbmeb-3222	47	4	basically	basically	ADV
ajbmeb-3222	47	5	the	the	DET
ajbmeb-3222	47	6	main	main	ADJ
ajbmeb-3222	47	7	tool	tool	NOUN
ajbmeb-3222	47	8	in	in	ADP
ajbmeb-3222	47	9	financial	financial	ADJ
ajbmeb-3222	47	10	loss	loss	NOUN
ajbmeb-3222	47	11	analysis	analysis	NOUN
ajbmeb-3222	47	12	.	.	PUNCT
ajbmeb-3222	48	1	deterministic	deterministic	ADJ
ajbmeb-3222	48	2	models	model	NOUN
ajbmeb-3222	48	3	are	be	AUX
ajbmeb-3222	48	4	used	use	VERB
ajbmeb-3222	48	5	in	in	ADP
ajbmeb-3222	48	6	this	this	DET
ajbmeb-3222	48	7	analysis	analysis	NOUN
ajbmeb-3222	48	8	[	[	X
ajbmeb-3222	48	9	5	5	NUM
ajbmeb-3222	48	10	]	]	PUNCT
ajbmeb-3222	48	11	.	.	PUNCT
ajbmeb-3222	49	1	dynamic	dynamic	ADJ
ajbmeb-3222	49	2	financial	financial	ADJ
ajbmeb-3222	49	3	analysis	analysis	NOUN
ajbmeb-3222	49	4	is	be	AUX
ajbmeb-3222	49	5	mainly	mainly	ADV
ajbmeb-3222	49	6	performed	perform	VERB
ajbmeb-3222	49	7	using	use	VERB
ajbmeb-3222	49	8	stochastic	stochastic	ADJ
ajbmeb-3222	49	9	models	model	NOUN
ajbmeb-3222	49	10	.	.	PUNCT
ajbmeb-3222	50	1	today	today	NOUN
ajbmeb-3222	50	2	,	,	PUNCT
ajbmeb-3222	50	3	this	this	DET
ajbmeb-3222	50	4	analysis	analysis	NOUN
ajbmeb-3222	50	5	is	be	AUX
ajbmeb-3222	50	6	used	use	VERB
ajbmeb-3222	50	7	more	more	ADV
ajbmeb-3222	50	8	and	and	CCONJ
ajbmeb-3222	50	9	more	more	ADJ
ajbmeb-3222	50	10	by	by	ADP
ajbmeb-3222	50	11	western	western	ADJ
ajbmeb-3222	50	12	companies	company	NOUN
ajbmeb-3222	50	13	.	.	PUNCT
ajbmeb-3222	51	1	this	this	DET
ajbmeb-3222	51	2	method	method	NOUN
ajbmeb-3222	51	3	was	be	AUX
ajbmeb-3222	51	4	first	first	ADV
ajbmeb-3222	51	5	mentioned	mention	VERB
ajbmeb-3222	51	6	in	in	ADP
ajbmeb-3222	51	7	1989	1989	NUM
ajbmeb-3222	51	8	by	by	ADP
ajbmeb-3222	51	9	a	a	DET
ajbmeb-3222	51	10	group	group	NOUN
ajbmeb-3222	51	11	of	of	ADP
ajbmeb-3222	51	12	scientists	scientist	NOUN
ajbmeb-3222	51	13	from	from	ADP
ajbmeb-3222	51	14	finland	finland	PROPN
ajbmeb-3222	51	15	and	and	CCONJ
ajbmeb-3222	51	16	england	england	PROPN
ajbmeb-3222	51	17	in	in	ADP
ajbmeb-3222	51	18	their	their	PRON
ajbmeb-3222	51	19	theories	theory	NOUN
ajbmeb-3222	51	20	.	.	PUNCT
ajbmeb-3222	52	1	this	this	DET
ajbmeb-3222	52	2	theory	theory	NOUN
ajbmeb-3222	52	3	serves	serve	VERB
ajbmeb-3222	52	4	as	as	ADP
ajbmeb-3222	52	5	the	the	DET
ajbmeb-3222	52	6	basis	basis	NOUN
ajbmeb-3222	52	7	for	for	ADP
ajbmeb-3222	52	8	the	the	DET
ajbmeb-3222	52	9	entire	entire	ADJ
ajbmeb-3222	52	10	evolution	evolution	NOUN
ajbmeb-3222	52	11	of	of	ADP
ajbmeb-3222	52	12	insurance	insurance	NOUN
ajbmeb-3222	52	13	solvency	solvency	NOUN
ajbmeb-3222	52	14	modeling	modeling	NOUN
ajbmeb-3222	52	15	.	.	PUNCT
ajbmeb-3222	53	1	[	[	X
ajbmeb-3222	53	2	4,6	4,6	X
ajbmeb-3222	53	3	]	]	PUNCT
ajbmeb-3222	53	4	.	.	PUNCT
ajbmeb-3222	54	1	the	the	DET
ajbmeb-3222	54	2	advantage	advantage	NOUN
ajbmeb-3222	54	3	of	of	ADP
ajbmeb-3222	54	4	dynamic	dynamic	ADJ
ajbmeb-3222	54	5	analysis	analysis	NOUN
ajbmeb-3222	54	6	over	over	ADP
ajbmeb-3222	54	7	scenario	scenario	NOUN
ajbmeb-3222	54	8	analysis	analysis	NOUN
ajbmeb-3222	54	9	is	be	AUX
ajbmeb-3222	54	10	the	the	DET
ajbmeb-3222	54	11	ability	ability	NOUN
ajbmeb-3222	54	12	to	to	PART
ajbmeb-3222	54	13	fully	fully	ADV
ajbmeb-3222	54	14	model	model	VERB
ajbmeb-3222	54	15	the	the	DET
ajbmeb-3222	54	16	insurance	insurance	NOUN
ajbmeb-3222	54	17	portfolio	portfolio	NOUN
ajbmeb-3222	54	18	in	in	ADP
ajbmeb-3222	54	19	terms	term	NOUN
ajbmeb-3222	54	20	of	of	ADP
ajbmeb-3222	54	21	premiums	premium	NOUN
ajbmeb-3222	54	22	,	,	PUNCT
ajbmeb-3222	54	23	cash	cash	NOUN
ajbmeb-3222	54	24	flows	flow	NOUN
ajbmeb-3222	54	25	,	,	PUNCT
ajbmeb-3222	54	26	and	and	CCONJ
ajbmeb-3222	54	27	reserves	reserve	NOUN
ajbmeb-3222	54	28	.	.	PUNCT
ajbmeb-3222	55	1	the	the	DET
ajbmeb-3222	55	2	application	application	NOUN
ajbmeb-3222	55	3	of	of	ADP
ajbmeb-3222	55	4	this	this	DET
ajbmeb-3222	55	5	analysis	analysis	NOUN
ajbmeb-3222	55	6	is	be	AUX
ajbmeb-3222	55	7	considered	consider	VERB
ajbmeb-3222	55	8	to	to	PART
ajbmeb-3222	55	9	be	be	AUX
ajbmeb-3222	55	10	a	a	DET
ajbmeb-3222	55	11	complex	complex	ADJ
ajbmeb-3222	55	12	analytical	analytical	ADJ
ajbmeb-3222	55	13	method	method	NOUN
ajbmeb-3222	55	14	by	by	ADP
ajbmeb-3222	55	15	its	its	PRON
ajbmeb-3222	55	16	nature	nature	NOUN
ajbmeb-3222	55	17	,	,	PUNCT
ajbmeb-3222	55	18	with	with	ADP
ajbmeb-3222	55	19	the	the	DET
ajbmeb-3222	55	20	help	help	NOUN
ajbmeb-3222	55	21	of	of	ADP
ajbmeb-3222	55	22	which	which	PRON
ajbmeb-3222	55	23	various	various	ADJ
ajbmeb-3222	55	24	business	business	NOUN
ajbmeb-3222	55	25	strategies	strategy	NOUN
ajbmeb-3222	55	26	are	be	AUX
ajbmeb-3222	55	27	evaluated	evaluate	VERB
ajbmeb-3222	55	28	.	.	PUNCT
ajbmeb-3222	56	1	any	any	DET
ajbmeb-3222	56	2	risk	risk	NOUN
ajbmeb-3222	56	3	must	must	AUX
ajbmeb-3222	56	4	fall	fall	VERB
ajbmeb-3222	56	5	into	into	ADP
ajbmeb-3222	56	6	one	one	NUM
ajbmeb-3222	56	7	of	of	ADP
ajbmeb-3222	56	8	the	the	DET
ajbmeb-3222	56	9	four	four	NUM
ajbmeb-3222	56	10	zones	zone	NOUN
ajbmeb-3222	56	11	shown	show	VERB
ajbmeb-3222	56	12	in	in	ADP
ajbmeb-3222	56	13	figure	figure	NOUN
ajbmeb-3222	56	14	1	1	NUM
ajbmeb-3222	56	15	(	(	PUNCT
ajbmeb-3222	56	16	safe	safe	ADJ
ajbmeb-3222	56	17	zone	zone	NOUN
ajbmeb-3222	56	18	,	,	PUNCT
ajbmeb-3222	56	19	acceptable	acceptable	ADJ
ajbmeb-3222	56	20	zone	zone	NOUN
ajbmeb-3222	56	21	,	,	PUNCT
ajbmeb-3222	56	22	critical	critical	ADJ
ajbmeb-3222	56	23	zone	zone	NOUN
ajbmeb-3222	56	24	,	,	PUNCT
ajbmeb-3222	56	25	and	and	CCONJ
ajbmeb-3222	56	26	catastrophic	catastrophic	ADJ
ajbmeb-3222	56	27	zone	zone	NOUN
ajbmeb-3222	56	28	)	)	PUNCT
ajbmeb-3222	56	29	.	.	PUNCT
ajbmeb-3222	57	1	figure	figure	NOUN
ajbmeb-3222	57	2	1	1	NUM
ajbmeb-3222	57	3	.	.	PUNCT
ajbmeb-3222	57	4	financial	financial	ADJ
ajbmeb-3222	57	5	stability	stability	NOUN
ajbmeb-3222	57	6	risk	risk	NOUN
ajbmeb-3222	57	7	assessment	assessment	NOUN
ajbmeb-3222	57	8	scale	scale	NOUN
ajbmeb-3222	57	9	based	base	VERB
ajbmeb-3222	57	10	on	on	ADP
ajbmeb-3222	57	11	these	these	DET
ajbmeb-3222	57	12	zones	zone	NOUN
ajbmeb-3222	57	13	,	,	PUNCT
ajbmeb-3222	57	14	the	the	DET
ajbmeb-3222	57	15	evaluator	evaluator	NOUN
ajbmeb-3222	57	16	will	will	AUX
ajbmeb-3222	57	17	determine	determine	VERB
ajbmeb-3222	57	18	to	to	ADP
ajbmeb-3222	57	19	what	what	DET
ajbmeb-3222	57	20	extent	extent	NOUN
ajbmeb-3222	57	21	the	the	DET
ajbmeb-3222	57	22	enterprise	enterprise	NOUN
ajbmeb-3222	57	23	can	can	AUX
ajbmeb-3222	57	24	respond	respond	VERB
ajbmeb-3222	57	25	to	to	ADP
ajbmeb-3222	57	26	market	market	NOUN
ajbmeb-3222	57	27	demand	demand	NOUN
ajbmeb-3222	57	28	and	and	CCONJ
ajbmeb-3222	57	29	development	development	NOUN
ajbmeb-3222	57	30	prospects	prospect	NOUN
ajbmeb-3222	57	31	.	.	PUNCT
ajbmeb-3222	58	1	there	there	PRON
ajbmeb-3222	58	2	are	be	VERB
ajbmeb-3222	58	3	many	many	ADJ
ajbmeb-3222	58	4	methods	method	NOUN
ajbmeb-3222	58	5	of	of	ADP
ajbmeb-3222	58	6	risk	risk	NOUN
ajbmeb-3222	58	7	assessment	assessment	NOUN
ajbmeb-3222	58	8	in	in	ADP
ajbmeb-3222	58	9	international	international	ADJ
ajbmeb-3222	58	10	practice	practice	NOUN
ajbmeb-3222	58	11	.	.	PUNCT
ajbmeb-3222	59	1	in	in	ADP
ajbmeb-3222	59	2	the	the	DET
ajbmeb-3222	59	3	process	process	NOUN
ajbmeb-3222	59	4	of	of	ADP
ajbmeb-3222	59	5	risk	risk	NOUN
ajbmeb-3222	59	6	assessment	assessment	NOUN
ajbmeb-3222	59	7	,	,	PUNCT
ajbmeb-3222	59	8	it	it	PRON
ajbmeb-3222	59	9	is	be	AUX
ajbmeb-3222	59	10	important	important	ADJ
ajbmeb-3222	59	11	to	to	PART
ajbmeb-3222	59	12	analyze	analyze	VERB
ajbmeb-3222	59	13	the	the	DET
ajbmeb-3222	59	14	activity	activity	NOUN
ajbmeb-3222	59	15	of	of	ADP
ajbmeb-3222	59	16	the	the	DET
ajbmeb-3222	59	17	enterprise	enterprise	NOUN
ajbmeb-3222	59	18	and	and	CCONJ
ajbmeb-3222	59	19	choose	choose	VERB
ajbmeb-3222	59	20	the	the	DET
ajbmeb-3222	59	21	method	method	NOUN
ajbmeb-3222	59	22	that	that	PRON
ajbmeb-3222	59	23	achieves	achieve	VERB
ajbmeb-3222	59	24	the	the	DET
ajbmeb-3222	59	25	perfect	perfect	ADJ
ajbmeb-3222	59	26	result	result	NOUN
ajbmeb-3222	59	27	.	.	PUNCT
ajbmeb-3222	60	1	in	in	ADP
ajbmeb-3222	60	2	practice	practice	NOUN
ajbmeb-3222	60	3	,	,	PUNCT
ajbmeb-3222	60	4	there	there	PRON
ajbmeb-3222	60	5	are	be	VERB
ajbmeb-3222	60	6	the	the	DET
ajbmeb-3222	60	7	following	follow	VERB
ajbmeb-3222	60	8	common	common	ADJ
ajbmeb-3222	60	9	methods	method	NOUN
ajbmeb-3222	60	10	of	of	ADP
ajbmeb-3222	60	11	risk	risk	NOUN
ajbmeb-3222	60	12	assessment	assessment	NOUN
ajbmeb-3222	60	13	:	:	PUNCT
ajbmeb-3222	61	1	[	[	X
ajbmeb-3222	61	2	5,6	5,6	NUM
ajbmeb-3222	61	3	]	]	PUNCT
ajbmeb-3222	61	4	•financial	•financial	PROPN
ajbmeb-3222	61	5	crisis	crisis	NOUN
ajbmeb-3222	61	6	•cash	•cash	NOUN
ajbmeb-3222	61	7	,	,	PUNCT
ajbmeb-3222	61	8	short	short	ADJ
ajbmeb-3222	61	9	-	-	PUNCT
ajbmeb-3222	61	10	term	term	NOUN
ajbmeb-3222	61	11	financial	financial	ADJ
ajbmeb-3222	61	12	investments	investment	NOUN
ajbmeb-3222	61	13	can	can	AUX
ajbmeb-3222	61	14	not	not	PART
ajbmeb-3222	61	15	cover	cover	VERB
ajbmeb-3222	61	16	credit	credit	NOUN
ajbmeb-3222	61	17	debts	debt	NOUN
ajbmeb-3222	61	18	•	•	ADP
ajbmeb-3222	61	19	unstable	unstable	ADJ
ajbmeb-3222	61	20	financial	financial	ADJ
ajbmeb-3222	61	21	situation	situation	NOUN
ajbmeb-3222	61	22	;	;	PUNCT
ajbmeb-3222	61	23	•	•	NUM
ajbmeb-3222	61	24	insolvency	insolvency	NOUN
ajbmeb-3222	61	25	•acceptable	•acceptable	ADJ
ajbmeb-3222	61	26	financial	financial	ADJ
ajbmeb-3222	61	27	stability	stability	NOUN
ajbmeb-3222	61	28	•lack	•lack	NOUN
ajbmeb-3222	61	29	of	of	ADP
ajbmeb-3222	61	30	own	own	ADJ
ajbmeb-3222	61	31	working	working	NOUN
ajbmeb-3222	61	32	capital	capital	NOUN
ajbmeb-3222	61	33	•	•	ADP
ajbmeb-3222	61	34	absolute	absolute	ADJ
ajbmeb-3222	61	35	financial	financial	ADJ
ajbmeb-3222	61	36	stability	stability	NOUN
ajbmeb-3222	61	37	;	;	PUNCT
ajbmeb-3222	61	38	•	•	ADP
ajbmeb-3222	61	39	turning	turn	VERB
ajbmeb-3222	61	40	equity	equity	NOUN
ajbmeb-3222	61	41	into	into	ADP
ajbmeb-3222	61	42	working	work	VERB
ajbmeb-3222	61	43	capital	capital	NOUN
ajbmeb-3222	61	44	risk	risk	NOUN
ajbmeb-3222	61	45	-	-	PUNCT
ajbmeb-3222	61	46	free	free	ADJ
ajbmeb-3222	61	47	(	(	PUNCT
ajbmeb-3222	61	48	dangerfree	dangerfree	ADJ
ajbmeb-3222	61	49	)	)	PUNCT
ajbmeb-3222	61	50	zone	zone	NOUN
ajbmeb-3222	61	51	perceived	perceive	VERB
ajbmeb-3222	61	52	risk	risk	NOUN
ajbmeb-3222	61	53	zone	zone	NOUN
ajbmeb-3222	61	54	catastrophi	catastrophi	PROPN
ajbmeb-3222	61	55	c	c	PROPN
ajbmeb-3222	61	56	risk	risk	NOUN
ajbmeb-3222	61	57	zone	zone	NOUN
ajbmeb-3222	61	58	critical	critical	ADJ
ajbmeb-3222	61	59	risk	risk	NOUN
ajbmeb-3222	61	60	zone	zone	NOUN
ajbmeb-3222	61	61	american	american	PROPN
ajbmeb-3222	61	62	journal	journal	PROPN
ajbmeb-3222	61	63	of	of	ADP
ajbmeb-3222	61	64	business	business	NOUN
ajbmeb-3222	61	65	management	management	NOUN
ajbmeb-3222	61	66	,	,	PUNCT
ajbmeb-3222	61	67	economics	economic	NOUN
ajbmeb-3222	61	68	and	and	CCONJ
ajbmeb-3222	61	69	banking	banking	NOUN
ajbmeb-3222	61	70	volume	volume	NOUN
ajbmeb-3222	61	71	43	43	NUM
ajbmeb-3222	62	1	december2025	december2025	PROPN
ajbmeb-3222	62	2	p	p	PROPN
ajbmeb-3222	63	1	a	a	DET
ajbmeb-3222	63	2	g	g	NOUN
ajbmeb-3222	63	3	e	e	NOUN
ajbmeb-3222	63	4	|	|	ADV
ajbmeb-3222	63	5	60	60	NUM
ajbmeb-3222	63	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3222	63	7	stress	stress	NOUN
ajbmeb-3222	63	8	test	test	NOUN
ajbmeb-3222	63	9	;	;	PUNCT
ajbmeb-3222	63	10	analysis	analysis	NOUN
ajbmeb-3222	63	11	of	of	ADP
ajbmeb-3222	63	12	event	event	NOUN
ajbmeb-3222	63	13	tree	tree	NOUN
ajbmeb-3222	63	14	;	;	PUNCT
ajbmeb-3222	63	15	monte	monte	PROPN
ajbmeb-3222	63	16	carlo	carlo	PROPN
ajbmeb-3222	63	17	method	method	NOUN
ajbmeb-3222	63	18	;	;	PUNCT
ajbmeb-3222	63	19	bayesian	bayesian	NOUN
ajbmeb-3222	63	20	confidence	confidence	NOUN
ajbmeb-3222	63	21	network	network	NOUN
ajbmeb-3222	63	22	method	method	NOUN
ajbmeb-3222	63	23	;	;	PUNCT
ajbmeb-3222	63	24	the	the	DET
ajbmeb-3222	63	25	stress	stress	NOUN
ajbmeb-3222	63	26	test	test	NOUN
ajbmeb-3222	63	27	is	be	AUX
ajbmeb-3222	63	28	one	one	NUM
ajbmeb-3222	63	29	of	of	ADP
ajbmeb-3222	63	30	the	the	DET
ajbmeb-3222	63	31	most	most	ADV
ajbmeb-3222	63	32	popular	popular	ADJ
ajbmeb-3222	63	33	methods	method	NOUN
ajbmeb-3222	63	34	and	and	CCONJ
ajbmeb-3222	63	35	plays	play	VERB
ajbmeb-3222	63	36	an	an	DET
ajbmeb-3222	63	37	important	important	ADJ
ajbmeb-3222	63	38	role	role	NOUN
ajbmeb-3222	63	39	in	in	ADP
ajbmeb-3222	63	40	assessing	assess	VERB
ajbmeb-3222	63	41	the	the	DET
ajbmeb-3222	63	42	existing	exist	VERB
ajbmeb-3222	63	43	risk	risk	NOUN
ajbmeb-3222	63	44	to	to	PART
ajbmeb-3222	63	45	ensure	ensure	VERB
ajbmeb-3222	63	46	the	the	DET
ajbmeb-3222	63	47	financial	financial	ADJ
ajbmeb-3222	63	48	stability	stability	NOUN
ajbmeb-3222	63	49	of	of	ADP
ajbmeb-3222	63	50	the	the	DET
ajbmeb-3222	63	51	enterprise	enterprise	NOUN
ajbmeb-3222	63	52	.	.	PUNCT
ajbmeb-3222	64	1	major	major	ADJ
ajbmeb-3222	64	2	international	international	ADJ
ajbmeb-3222	64	3	foreign	foreign	ADJ
ajbmeb-3222	64	4	rating	rating	NOUN
ajbmeb-3222	64	5	organizations	organization	NOUN
ajbmeb-3222	64	6	use	use	VERB
ajbmeb-3222	64	7	the	the	DET
ajbmeb-3222	64	8	stress	stress	NOUN
ajbmeb-3222	64	9	test	test	NOUN
ajbmeb-3222	64	10	method	method	NOUN
ajbmeb-3222	64	11	and	and	CCONJ
ajbmeb-3222	64	12	consider	consider	VERB
ajbmeb-3222	64	13	it	it	PRON
ajbmeb-3222	64	14	the	the	DET
ajbmeb-3222	64	15	most	most	ADV
ajbmeb-3222	64	16	appropriate	appropriate	ADJ
ajbmeb-3222	64	17	solution	solution	NOUN
ajbmeb-3222	64	18	for	for	ADP
ajbmeb-3222	64	19	risk	risk	NOUN
ajbmeb-3222	64	20	assessment	assessment	NOUN
ajbmeb-3222	64	21	.	.	PUNCT
ajbmeb-3222	65	1	the	the	DET
ajbmeb-3222	65	2	stress	stress	NOUN
ajbmeb-3222	65	3	test	test	NOUN
ajbmeb-3222	65	4	method	method	NOUN
ajbmeb-3222	65	5	is	be	AUX
ajbmeb-3222	65	6	divided	divide	VERB
ajbmeb-3222	65	7	into	into	ADP
ajbmeb-3222	65	8	the	the	DET
ajbmeb-3222	65	9	following	following	NOUN
ajbmeb-3222	65	10	according	accord	VERB
ajbmeb-3222	65	11	to	to	ADP
ajbmeb-3222	65	12	risk	risk	NOUN
ajbmeb-3222	65	13	factors	factor	NOUN
ajbmeb-3222	65	14	:	:	PUNCT
ajbmeb-3222	65	15	univariate	univariate	ADJ
ajbmeb-3222	65	16	stress	stress	NOUN
ajbmeb-3222	65	17	test	test	NOUN
ajbmeb-3222	65	18	multifactorial	multifactorial	ADJ
ajbmeb-3222	65	19	stress	stress	NOUN
ajbmeb-3222	65	20	test	test	NOUN
ajbmeb-3222	65	21	the	the	DET
ajbmeb-3222	65	22	stress	stress	NOUN
ajbmeb-3222	65	23	test	test	NOUN
ajbmeb-3222	65	24	method	method	NOUN
ajbmeb-3222	65	25	is	be	AUX
ajbmeb-3222	65	26	represented	represent	VERB
ajbmeb-3222	65	27	by	by	ADP
ajbmeb-3222	65	28	two	two	NUM
ajbmeb-3222	65	29	different	different	ADJ
ajbmeb-3222	65	30	models	model	NOUN
ajbmeb-3222	65	31	.	.	PUNCT
ajbmeb-3222	66	1	1	1	X
ajbmeb-3222	66	2	.	.	X
ajbmeb-3222	66	3	one	one	NUM
ajbmeb-3222	66	4	-	-	PUNCT
ajbmeb-3222	66	5	factor	factor	NOUN
ajbmeb-3222	66	6	model	model	NOUN
ajbmeb-3222	66	7	widely	widely	ADV
ajbmeb-3222	66	8	used	use	VERB
ajbmeb-3222	66	9	and	and	CCONJ
ajbmeb-3222	66	10	it	it	PRON
ajbmeb-3222	66	11	is	be	AUX
ajbmeb-3222	66	12	used	use	VERB
ajbmeb-3222	66	13	for	for	ADP
ajbmeb-3222	66	14	routine	routine	ADJ
ajbmeb-3222	66	15	monitoring	monitoring	NOUN
ajbmeb-3222	66	16	.	.	PUNCT
ajbmeb-3222	67	1	2	2	X
ajbmeb-3222	67	2	.	.	X
ajbmeb-3222	67	3	multifactor	multifactor	NOUN
ajbmeb-3222	67	4	model	model	NOUN
ajbmeb-3222	67	5	used	use	VERB
ajbmeb-3222	67	6	based	base	VERB
ajbmeb-3222	67	7	on	on	ADP
ajbmeb-3222	67	8	historical	historical	ADJ
ajbmeb-3222	67	9	data	datum	NOUN
ajbmeb-3222	67	10	or	or	CCONJ
ajbmeb-3222	67	11	hypothetical	hypothetical	ADJ
ajbmeb-3222	67	12	(	(	PUNCT
ajbmeb-3222	67	13	based	base	VERB
ajbmeb-3222	67	14	on	on	ADP
ajbmeb-3222	67	15	expert	expert	NOUN
ajbmeb-3222	67	16	estimates	estimate	NOUN
ajbmeb-3222	67	17	)	)	PUNCT
ajbmeb-3222	67	18	.	.	PUNCT
ajbmeb-3222	68	1	when	when	SCONJ
ajbmeb-3222	68	2	these	these	DET
ajbmeb-3222	68	3	models	model	NOUN
ajbmeb-3222	68	4	are	be	AUX
ajbmeb-3222	68	5	used	use	VERB
ajbmeb-3222	68	6	,	,	PUNCT
ajbmeb-3222	68	7	the	the	DET
ajbmeb-3222	68	8	process	process	NOUN
ajbmeb-3222	68	9	of	of	ADP
ajbmeb-3222	68	10	conducting	conduct	VERB
ajbmeb-3222	68	11	hypothetical	hypothetical	ADJ
ajbmeb-3222	68	12	tests	test	NOUN
ajbmeb-3222	68	13	gives	give	VERB
ajbmeb-3222	68	14	positive	positive	ADJ
ajbmeb-3222	68	15	results	result	NOUN
ajbmeb-3222	68	16	.	.	PUNCT
ajbmeb-3222	69	1	in	in	ADP
ajbmeb-3222	69	2	practice	practice	NOUN
ajbmeb-3222	69	3	,	,	PUNCT
ajbmeb-3222	69	4	this	this	DET
ajbmeb-3222	69	5	method	method	NOUN
ajbmeb-3222	69	6	is	be	AUX
ajbmeb-3222	69	7	divided	divide	VERB
ajbmeb-3222	69	8	into	into	ADP
ajbmeb-3222	69	9	systematic	systematic	ADJ
ajbmeb-3222	69	10	(	(	PUNCT
ajbmeb-3222	69	11	correlation	correlation	NOUN
ajbmeb-3222	69	12	method	method	NOUN
ajbmeb-3222	69	13	,	,	PUNCT
ajbmeb-3222	69	14	monte	monte	PROPN
ajbmeb-3222	69	15	carlo	carlo	PROPN
ajbmeb-3222	69	16	method	method	NOUN
ajbmeb-3222	69	17	,	,	PUNCT
ajbmeb-3222	69	18	stochastic	stochastic	ADJ
ajbmeb-3222	69	19	modeling	modeling	NOUN
ajbmeb-3222	69	20	and	and	CCONJ
ajbmeb-3222	69	21	theory	theory	NOUN
ajbmeb-3222	69	22	of	of	ADP
ajbmeb-3222	69	23	extreme	extreme	ADJ
ajbmeb-3222	69	24	values	value	NOUN
ajbmeb-3222	69	25	)	)	PUNCT
ajbmeb-3222	69	26	and	and	CCONJ
ajbmeb-3222	69	27	non	non	ADJ
ajbmeb-3222	69	28	-	-	ADJ
ajbmeb-3222	69	29	systematic	systematic	ADJ
ajbmeb-3222	69	30	(	(	PUNCT
ajbmeb-3222	69	31	subjective	subjective	ADJ
ajbmeb-3222	69	32	method	method	NOUN
ajbmeb-3222	69	33	,	,	PUNCT
ajbmeb-3222	69	34	method	method	NOUN
ajbmeb-3222	69	35	without	without	ADP
ajbmeb-3222	69	36	taking	take	VERB
ajbmeb-3222	69	37	into	into	ADP
ajbmeb-3222	69	38	account	account	NOUN
ajbmeb-3222	69	39	secondary	secondary	ADJ
ajbmeb-3222	69	40	factors	factor	NOUN
ajbmeb-3222	69	41	)	)	PUNCT
ajbmeb-3222	69	42	stress	stress	NOUN
ajbmeb-3222	69	43	tests	test	NOUN
ajbmeb-3222	69	44	.	.	PUNCT
ajbmeb-3222	70	1	тhe	тhe	VERB
ajbmeb-3222	70	2	practical	practical	ADJ
ajbmeb-3222	70	3	application	application	NOUN
ajbmeb-3222	70	4	of	of	ADP
ajbmeb-3222	70	5	the	the	DET
ajbmeb-3222	70	6	stress	stress	NOUN
ajbmeb-3222	70	7	test	test	NOUN
ajbmeb-3222	70	8	method	method	NOUN
ajbmeb-3222	70	9	brings	bring	VERB
ajbmeb-3222	70	10	positive	positive	ADJ
ajbmeb-3222	70	11	results	result	NOUN
ajbmeb-3222	70	12	,	,	PUNCT
ajbmeb-3222	70	13	that	that	ADV
ajbmeb-3222	70	14	is	is	ADV
ajbmeb-3222	70	15	,	,	PUNCT
ajbmeb-3222	70	16	it	it	PRON
ajbmeb-3222	70	17	is	be	AUX
ajbmeb-3222	70	18	distinguished	distinguish	VERB
ajbmeb-3222	70	19	by	by	ADP
ajbmeb-3222	70	20	the	the	DET
ajbmeb-3222	70	21	ease	ease	NOUN
ajbmeb-3222	70	22	of	of	ADP
ajbmeb-3222	70	23	use	use	NOUN
ajbmeb-3222	70	24	of	of	ADP
ajbmeb-3222	70	25	the	the	DET
ajbmeb-3222	70	26	method	method	NOUN
ajbmeb-3222	70	27	,	,	PUNCT
ajbmeb-3222	70	28	the	the	DET
ajbmeb-3222	70	29	possibility	possibility	NOUN
ajbmeb-3222	70	30	of	of	ADP
ajbmeb-3222	70	31	using	use	VERB
ajbmeb-3222	70	32	it	it	PRON
ajbmeb-3222	70	33	for	for	ADP
ajbmeb-3222	70	34	continuous	continuous	ADJ
ajbmeb-3222	70	35	monitoring	monitoring	NOUN
ajbmeb-3222	70	36	,	,	PUNCT
ajbmeb-3222	70	37	and	and	CCONJ
ajbmeb-3222	70	38	the	the	DET
ajbmeb-3222	70	39	fact	fact	NOUN
ajbmeb-3222	70	40	that	that	SCONJ
ajbmeb-3222	70	41	it	it	PRON
ajbmeb-3222	70	42	does	do	AUX
ajbmeb-3222	70	43	not	not	PART
ajbmeb-3222	70	44	require	require	VERB
ajbmeb-3222	70	45	the	the	DET
ajbmeb-3222	70	46	obligation	obligation	NOUN
ajbmeb-3222	70	47	to	to	PART
ajbmeb-3222	70	48	take	take	VERB
ajbmeb-3222	70	49	into	into	ADP
ajbmeb-3222	70	50	account	account	NOUN
ajbmeb-3222	70	51	the	the	DET
ajbmeb-3222	70	52	influence	influence	NOUN
ajbmeb-3222	70	53	of	of	ADP
ajbmeb-3222	70	54	complex	complex	ADJ
ajbmeb-3222	70	55	factors	factor	NOUN
ajbmeb-3222	70	56	.	.	PUNCT
ajbmeb-3222	71	1	like	like	ADP
ajbmeb-3222	71	2	any	any	DET
ajbmeb-3222	71	3	other	other	ADJ
ajbmeb-3222	71	4	method	method	NOUN
ajbmeb-3222	71	5	,	,	PUNCT
ajbmeb-3222	71	6	there	there	PRON
ajbmeb-3222	71	7	are	be	VERB
ajbmeb-3222	71	8	pros	pro	NOUN
ajbmeb-3222	71	9	and	and	CCONJ
ajbmeb-3222	71	10	cons	con	NOUN
ajbmeb-3222	71	11	to	to	ADP
ajbmeb-3222	71	12	assessing	assess	VERB
ajbmeb-3222	71	13	risk	risk	NOUN
ajbmeb-3222	71	14	through	through	ADP
ajbmeb-3222	71	15	the	the	DET
ajbmeb-3222	71	16	stress	stress	NOUN
ajbmeb-3222	71	17	test	test	NOUN
ajbmeb-3222	71	18	method	method	NOUN
ajbmeb-3222	71	19	.	.	PUNCT
ajbmeb-3222	72	1	the	the	DET
ajbmeb-3222	72	2	insurance	insurance	NOUN
ajbmeb-3222	72	3	risk	risk	NOUN
ajbmeb-3222	72	4	assessment	assessment	NOUN
ajbmeb-3222	72	5	process	process	NOUN
ajbmeb-3222	72	6	begins	begin	VERB
ajbmeb-3222	72	7	with	with	ADP
ajbmeb-3222	72	8	a	a	DET
ajbmeb-3222	72	9	preliminary	preliminary	ADJ
ajbmeb-3222	72	10	risk	risk	NOUN
ajbmeb-3222	72	11	analysis	analysis	NOUN
ajbmeb-3222	72	12	.	.	PUNCT
ajbmeb-3222	73	1	using	use	VERB
ajbmeb-3222	73	2	the	the	DET
ajbmeb-3222	73	3	abovementioned	abovementioned	ADJ
ajbmeb-3222	73	4	methods	method	NOUN
ajbmeb-3222	73	5	,	,	PUNCT
ajbmeb-3222	73	6	it	it	PRON
ajbmeb-3222	73	7	is	be	AUX
ajbmeb-3222	73	8	possible	possible	ADJ
ajbmeb-3222	73	9	to	to	PART
ajbmeb-3222	73	10	identify	identify	VERB
ajbmeb-3222	73	11	risk	risk	NOUN
ajbmeb-3222	73	12	factors	factor	NOUN
ajbmeb-3222	73	13	and	and	CCONJ
ajbmeb-3222	73	14	their	their	PRON
ajbmeb-3222	73	15	impact	impact	NOUN
ajbmeb-3222	73	16	results	result	NOUN
ajbmeb-3222	73	17	,	,	PUNCT
ajbmeb-3222	73	18	as	as	ADV
ajbmeb-3222	73	19	well	well	ADV
ajbmeb-3222	73	20	as	as	ADP
ajbmeb-3222	73	21	to	to	PART
ajbmeb-3222	73	22	identify	identify	VERB
ajbmeb-3222	73	23	phenomena	phenomenon	NOUN
ajbmeb-3222	73	24	such	such	ADJ
ajbmeb-3222	73	25	as	as	ADP
ajbmeb-3222	73	26	analysis	analysis	NOUN
ajbmeb-3222	73	27	of	of	ADP
ajbmeb-3222	73	28	a	a	DET
ajbmeb-3222	73	29	known	know	VERB
ajbmeb-3222	73	30	impact	impact	NOUN
ajbmeb-3222	73	31	.	.	PUNCT
ajbmeb-3222	74	1	usually	usually	ADV
ajbmeb-3222	74	2	,	,	PUNCT
ajbmeb-3222	74	3	an	an	DET
ajbmeb-3222	74	4	adverse	adverse	ADJ
ajbmeb-3222	74	5	event	event	NOUN
ajbmeb-3222	74	6	has	have	VERB
ajbmeb-3222	74	7	one	one	NUM
ajbmeb-3222	74	8	or	or	CCONJ
ajbmeb-3222	74	9	more	more	ADJ
ajbmeb-3222	74	10	risk	risk	NOUN
ajbmeb-3222	74	11	factors	factor	NOUN
ajbmeb-3222	74	12	.	.	PUNCT
ajbmeb-3222	75	1	creating	create	VERB
ajbmeb-3222	75	2	a	a	DET
ajbmeb-3222	75	3	model	model	NOUN
ajbmeb-3222	75	4	of	of	ADP
ajbmeb-3222	75	5	the	the	DET
ajbmeb-3222	75	6	occurrence	occurrence	NOUN
ajbmeb-3222	75	7	of	of	ADP
ajbmeb-3222	75	8	an	an	DET
ajbmeb-3222	75	9	unpleasant	unpleasant	ADJ
ajbmeb-3222	75	10	event	event	NOUN
ajbmeb-3222	75	11	is	be	AUX
ajbmeb-3222	75	12	called	call	VERB
ajbmeb-3222	75	13	a	a	DET
ajbmeb-3222	75	14	scenario	scenario	NOUN
ajbmeb-3222	75	15	,	,	PUNCT
ajbmeb-3222	75	16	and	and	CCONJ
ajbmeb-3222	75	17	it	it	PRON
ajbmeb-3222	75	18	is	be	AUX
ajbmeb-3222	75	19	desirable	desirable	ADJ
ajbmeb-3222	75	20	to	to	PART
ajbmeb-3222	75	21	implement	implement	VERB
ajbmeb-3222	75	22	it	it	PRON
ajbmeb-3222	75	23	with	with	ADP
ajbmeb-3222	75	24	a	a	DET
ajbmeb-3222	75	25	probability	probability	NOUN
ajbmeb-3222	75	26	of	of	ADP
ajbmeb-3222	75	27	zero	zero	NUM
ajbmeb-3222	75	28	to	to	ADP
ajbmeb-3222	75	29	one	one	NUM
ajbmeb-3222	75	30	.	.	PUNCT
ajbmeb-3222	76	1	usually	usually	ADV
ajbmeb-3222	76	2	,	,	PUNCT
ajbmeb-3222	76	3	preliminary	preliminary	ADJ
ajbmeb-3222	76	4	analysis	analysis	NOUN
ajbmeb-3222	76	5	requires	require	VERB
ajbmeb-3222	76	6	consideration	consideration	NOUN
ajbmeb-3222	76	7	and	and	CCONJ
ajbmeb-3222	76	8	separation	separation	NOUN
ajbmeb-3222	76	9	of	of	ADP
ajbmeb-3222	76	10	several	several	ADJ
ajbmeb-3222	76	11	development	development	NOUN
ajbmeb-3222	76	12	scenarios	scenario	NOUN
ajbmeb-3222	76	13	depending	depend	VERB
ajbmeb-3222	76	14	on	on	ADP
ajbmeb-3222	76	15	the	the	DET
ajbmeb-3222	76	16	magnitude	magnitude	NOUN
ajbmeb-3222	76	17	of	of	ADP
ajbmeb-3222	76	18	the	the	DET
ajbmeb-3222	76	19	damage	damage	NOUN
ajbmeb-3222	76	20	[	[	X
ajbmeb-3222	76	21	11,12	11,12	NOUN
ajbmeb-3222	76	22	]	]	PUNCT
ajbmeb-3222	76	23	.	.	PUNCT
ajbmeb-3222	77	1	currently	currently	ADV
ajbmeb-3222	77	2	,	,	PUNCT
ajbmeb-3222	77	3	there	there	PRON
ajbmeb-3222	77	4	are	be	VERB
ajbmeb-3222	77	5	several	several	ADJ
ajbmeb-3222	77	6	elements	element	NOUN
ajbmeb-3222	77	7	that	that	PRON
ajbmeb-3222	77	8	prevent	prevent	VERB
ajbmeb-3222	77	9	the	the	DET
ajbmeb-3222	77	10	further	further	ADJ
ajbmeb-3222	77	11	development	development	NOUN
ajbmeb-3222	77	12	of	of	ADP
ajbmeb-3222	77	13	the	the	DET
ajbmeb-3222	77	14	market	market	NOUN
ajbmeb-3222	77	15	of	of	ADP
ajbmeb-3222	77	16	professional	professional	ADJ
ajbmeb-3222	77	17	evaluation	evaluation	NOUN
ajbmeb-3222	77	18	services	service	NOUN
ajbmeb-3222	77	19	in	in	ADP
ajbmeb-3222	77	20	our	our	PRON
ajbmeb-3222	77	21	country	country	NOUN
ajbmeb-3222	77	22	and	and	CCONJ
ajbmeb-3222	77	23	the	the	DET
ajbmeb-3222	77	24	increase	increase	NOUN
ajbmeb-3222	77	25	of	of	ADP
ajbmeb-3222	77	26	trust	trust	NOUN
ajbmeb-3222	77	27	in	in	ADP
ajbmeb-3222	77	28	evaluation	evaluation	NOUN
ajbmeb-3222	77	29	organizations	organization	NOUN
ajbmeb-3222	77	30	.	.	PUNCT
ajbmeb-3222	78	1	in	in	ADP
ajbmeb-3222	78	2	particular	particular	ADJ
ajbmeb-3222	78	3	,	,	PUNCT
ajbmeb-3222	78	4	the	the	DET
ajbmeb-3222	78	5	presence	presence	NOUN
ajbmeb-3222	78	6	of	of	ADP
ajbmeb-3222	78	7	conflict	conflict	NOUN
ajbmeb-3222	78	8	of	of	ADP
ajbmeb-3222	78	9	interests	interest	NOUN
ajbmeb-3222	78	10	arising	arise	VERB
ajbmeb-3222	78	11	in	in	ADP
ajbmeb-3222	78	12	the	the	DET
ajbmeb-3222	78	13	process	process	NOUN
ajbmeb-3222	78	14	of	of	ADP
ajbmeb-3222	78	15	state	state	NOUN
ajbmeb-3222	78	16	regulation	regulation	NOUN
ajbmeb-3222	78	17	of	of	ADP
ajbmeb-3222	78	18	evaluation	evaluation	NOUN
ajbmeb-3222	78	19	activities	activity	NOUN
ajbmeb-3222	78	20	as	as	ADP
ajbmeb-3222	78	21	a	a	DET
ajbmeb-3222	78	22	result	result	NOUN
ajbmeb-3222	78	23	of	of	ADP
ajbmeb-3222	78	24	assigning	assign	VERB
ajbmeb-3222	78	25	the	the	DET
ajbmeb-3222	78	26	function	function	NOUN
ajbmeb-3222	78	27	of	of	ADP
ajbmeb-3222	78	28	state	state	NOUN
ajbmeb-3222	78	29	regulation	regulation	NOUN
ajbmeb-3222	78	30	of	of	ADP
ajbmeb-3222	78	31	evaluation	evaluation	NOUN
ajbmeb-3222	78	32	activities	activity	NOUN
ajbmeb-3222	78	33	to	to	ADP
ajbmeb-3222	78	34	the	the	DET
ajbmeb-3222	78	35	state	state	NOUN
ajbmeb-3222	78	36	management	management	NOUN
ajbmeb-3222	78	37	body	body	NOUN
ajbmeb-3222	78	38	in	in	ADP
ajbmeb-3222	78	39	the	the	DET
ajbmeb-3222	78	40	field	field	NOUN
ajbmeb-3222	78	41	of	of	ADP
ajbmeb-3222	78	42	privatization	privatization	NOUN
ajbmeb-3222	78	43	,	,	PUNCT
ajbmeb-3222	78	44	the	the	DET
ajbmeb-3222	78	45	existence	existence	NOUN
ajbmeb-3222	78	46	of	of	ADP
ajbmeb-3222	78	47	high	high	ADJ
ajbmeb-3222	78	48	requirements	requirement	NOUN
ajbmeb-3222	78	49	for	for	ADP
ajbmeb-3222	78	50	the	the	DET
ajbmeb-3222	78	51	minimum	minimum	NOUN
ajbmeb-3222	78	52	amount	amount	NOUN
ajbmeb-3222	78	53	of	of	ADP
ajbmeb-3222	78	54	capital	capital	NOUN
ajbmeb-3222	78	55	of	of	ADP
ajbmeb-3222	78	56	evaluation	evaluation	NOUN
ajbmeb-3222	78	57	organizations	organization	NOUN
ajbmeb-3222	78	58	,	,	PUNCT
ajbmeb-3222	78	59	restricts	restrict	VERB
ajbmeb-3222	78	60	the	the	DET
ajbmeb-3222	78	61	entry	entry	NOUN
ajbmeb-3222	78	62	of	of	ADP
ajbmeb-3222	78	63	professional	professional	ADJ
ajbmeb-3222	78	64	specialists	specialist	NOUN
ajbmeb-3222	78	65	into	into	ADP
ajbmeb-3222	78	66	the	the	DET
ajbmeb-3222	78	67	market	market	NOUN
ajbmeb-3222	78	68	of	of	ADP
ajbmeb-3222	78	69	evaluation	evaluation	NOUN
ajbmeb-3222	78	70	services	service	NOUN
ajbmeb-3222	78	71	,	,	PUNCT
ajbmeb-3222	78	72	as	as	ADP
ajbmeb-3222	78	73	a	a	DET
ajbmeb-3222	78	74	result	result	NOUN
ajbmeb-3222	78	75	of	of	ADP
ajbmeb-3222	78	76	which	which	PRON
ajbmeb-3222	78	77	the	the	DET
ajbmeb-3222	78	78	quality	quality	NOUN
ajbmeb-3222	78	79	of	of	ADP
ajbmeb-3222	78	80	evaluation	evaluation	NOUN
ajbmeb-3222	78	81	works	work	NOUN
ajbmeb-3222	78	82	shows	show	VERB
ajbmeb-3222	78	83	that	that	SCONJ
ajbmeb-3222	78	84	they	they	PRON
ajbmeb-3222	78	85	do	do	AUX
ajbmeb-3222	78	86	not	not	PART
ajbmeb-3222	78	87	correspond	correspond	VERB
ajbmeb-3222	78	88	to	to	ADP
ajbmeb-3222	78	89	the	the	DET
ajbmeb-3222	78	90	growing	grow	VERB
ajbmeb-3222	78	91	requirements	requirement	NOUN
ajbmeb-3222	78	92	,	,	PUNCT
ajbmeb-3222	78	93	especially	especially	ADV
ajbmeb-3222	78	94	in	in	ADP
ajbmeb-3222	78	95	business	business	NOUN
ajbmeb-3222	78	96	evaluation	evaluation	NOUN
ajbmeb-3222	78	97	and	and	CCONJ
ajbmeb-3222	78	98	banking	banking	NOUN
ajbmeb-3222	78	99	and	and	CCONJ
ajbmeb-3222	78	100	insurance	insurance	NOUN
ajbmeb-3222	78	101	activities	activity	NOUN
ajbmeb-3222	78	102	[	[	X
ajbmeb-3222	78	103	1,3	1,3	NUM
ajbmeb-3222	78	104	]	]	PUNCT
ajbmeb-3222	78	105	.	.	PUNCT
ajbmeb-3222	79	1	results	result	NOUN
ajbmeb-3222	79	2	and	and	CCONJ
ajbmeb-3222	79	3	discussion	discussion	VERB
ajbmeb-3222	79	4	the	the	DET
ajbmeb-3222	79	5	development	development	NOUN
ajbmeb-3222	79	6	of	of	ADP
ajbmeb-3222	79	7	the	the	DET
ajbmeb-3222	79	8	insurance	insurance	NOUN
ajbmeb-3222	79	9	market	market	NOUN
ajbmeb-3222	79	10	is	be	AUX
ajbmeb-3222	79	11	closely	closely	ADV
ajbmeb-3222	79	12	related	relate	VERB
ajbmeb-3222	79	13	to	to	ADP
ajbmeb-3222	79	14	the	the	DET
ajbmeb-3222	79	15	positive	positive	ADJ
ajbmeb-3222	79	16	changes	change	NOUN
ajbmeb-3222	79	17	in	in	ADP
ajbmeb-3222	79	18	the	the	DET
ajbmeb-3222	79	19	country	country	NOUN
ajbmeb-3222	79	20	's	's	PART
ajbmeb-3222	79	21	economy	economy	NOUN
ajbmeb-3222	79	22	,	,	PUNCT
ajbmeb-3222	79	23	the	the	DET
ajbmeb-3222	79	24	liberalization	liberalization	NOUN
ajbmeb-3222	79	25	of	of	ADP
ajbmeb-3222	79	26	the	the	DET
ajbmeb-3222	79	27	currency	currency	NOUN
ajbmeb-3222	79	28	policy	policy	NOUN
ajbmeb-3222	79	29	,	,	PUNCT
ajbmeb-3222	79	30	and	and	CCONJ
ajbmeb-3222	79	31	the	the	DET
ajbmeb-3222	79	32	improvement	improvement	NOUN
ajbmeb-3222	79	33	of	of	ADP
ajbmeb-3222	79	34	the	the	DET
ajbmeb-3222	79	35	legislative	legislative	ADJ
ajbmeb-3222	79	36	and	and	CCONJ
ajbmeb-3222	79	37	regulatory	regulatory	ADJ
ajbmeb-3222	79	38	framework	framework	NOUN
ajbmeb-3222	79	39	aimed	aim	VERB
ajbmeb-3222	79	40	at	at	ADP
ajbmeb-3222	79	41	stimulating	stimulate	VERB
ajbmeb-3222	79	42	foreign	foreign	ADJ
ajbmeb-3222	79	43	economic	economic	ADJ
ajbmeb-3222	79	44	relations	relation	NOUN
ajbmeb-3222	79	45	.	.	PUNCT
ajbmeb-3222	80	1	the	the	DET
ajbmeb-3222	80	2	growth	growth	NOUN
ajbmeb-3222	80	3	of	of	ADP
ajbmeb-3222	80	4	the	the	DET
ajbmeb-3222	80	5	insurance	insurance	NOUN
ajbmeb-3222	80	6	market	market	NOUN
ajbmeb-3222	80	7	is	be	AUX
ajbmeb-3222	80	8	mainly	mainly	ADV
ajbmeb-3222	80	9	ensured	ensure	VERB
ajbmeb-3222	80	10	by	by	ADP
ajbmeb-3222	80	11	the	the	DET
ajbmeb-3222	80	12	voluntary	voluntary	ADJ
ajbmeb-3222	80	13	types	type	NOUN
ajbmeb-3222	80	14	of	of	ADP
ajbmeb-3222	80	15	insurance	insurance	NOUN
ajbmeb-3222	80	16	provided	provide	VERB
ajbmeb-3222	80	17	by	by	ADP
ajbmeb-3222	80	18	insurance	insurance	NOUN
ajbmeb-3222	80	19	companies	company	NOUN
ajbmeb-3222	80	20	and	and	CCONJ
ajbmeb-3222	80	21	by	by	ADP
ajbmeb-3222	80	22	the	the	DET
ajbmeb-3222	80	23	rapid	rapid	ADJ
ajbmeb-3222	80	24	development	development	NOUN
ajbmeb-3222	80	25	of	of	ADP
ajbmeb-3222	80	26	insurance	insurance	NOUN
ajbmeb-3222	80	27	activities	activity	NOUN
ajbmeb-3222	80	28	by	by	ADP
ajbmeb-3222	80	29	insurance	insurance	NOUN
ajbmeb-3222	80	30	companies	company	NOUN
ajbmeb-3222	80	31	operating	operate	VERB
ajbmeb-3222	80	32	in	in	ADP
ajbmeb-3222	80	33	the	the	DET
ajbmeb-3222	80	34	field	field	NOUN
ajbmeb-3222	80	35	of	of	ADP
ajbmeb-3222	80	36	life	life	NOUN
ajbmeb-3222	80	37	american	american	PROPN
ajbmeb-3222	80	38	journal	journal	PROPN
ajbmeb-3222	80	39	of	of	ADP
ajbmeb-3222	80	40	business	business	NOUN
ajbmeb-3222	80	41	management	management	NOUN
ajbmeb-3222	80	42	,	,	PUNCT
ajbmeb-3222	80	43	economics	economic	NOUN
ajbmeb-3222	80	44	and	and	CCONJ
ajbmeb-3222	80	45	banking	banking	NOUN
ajbmeb-3222	80	46	volume	volume	NOUN
ajbmeb-3222	80	47	43	43	NUM
ajbmeb-3222	81	1	december2025	december2025	PROPN
ajbmeb-3222	81	2	p	p	PROPN
ajbmeb-3222	82	1	a	a	DET
ajbmeb-3222	82	2	g	g	NOUN
ajbmeb-3222	82	3	e	e	NOUN
ajbmeb-3222	82	4	|	|	ADV
ajbmeb-3222	82	5	61	61	NUM
ajbmeb-3222	82	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3222	82	7	insurance	insurance	NOUN
ajbmeb-3222	82	8	[	[	X
ajbmeb-3222	82	9	10	10	NUM
ajbmeb-3222	82	10	]	]	PUNCT
ajbmeb-3222	82	11	.	.	PUNCT
ajbmeb-3222	83	1	in	in	ADP
ajbmeb-3222	83	2	this	this	DET
ajbmeb-3222	83	3	regard	regard	NOUN
ajbmeb-3222	83	4	,	,	PUNCT
ajbmeb-3222	83	5	the	the	DET
ajbmeb-3222	83	6	integration	integration	NOUN
ajbmeb-3222	83	7	of	of	ADP
ajbmeb-3222	83	8	assessment	assessment	NOUN
ajbmeb-3222	83	9	activities	activity	NOUN
ajbmeb-3222	83	10	with	with	ADP
ajbmeb-3222	83	11	insurance	insurance	NOUN
ajbmeb-3222	83	12	activities	activity	NOUN
ajbmeb-3222	83	13	in	in	ADP
ajbmeb-3222	83	14	the	the	DET
ajbmeb-3222	83	15	country	country	NOUN
ajbmeb-3222	83	16	remains	remain	VERB
ajbmeb-3222	83	17	an	an	DET
ajbmeb-3222	83	18	important	important	ADJ
ajbmeb-3222	83	19	factor	factor	NOUN
ajbmeb-3222	83	20	.	.	PUNCT
ajbmeb-3222	84	1	below	below	ADP
ajbmeb-3222	84	2	we	we	PRON
ajbmeb-3222	84	3	will	will	AUX
ajbmeb-3222	84	4	consider	consider	VERB
ajbmeb-3222	84	5	insurance	insurance	NOUN
ajbmeb-3222	84	6	payments	payment	NOUN
ajbmeb-3222	84	7	made	make	VERB
ajbmeb-3222	84	8	in	in	ADP
ajbmeb-3222	84	9	the	the	DET
ajbmeb-3222	84	10	first	first	ADJ
ajbmeb-3222	84	11	quarter	quarter	NOUN
ajbmeb-3222	84	12	of	of	ADP
ajbmeb-3222	84	13	2024	2024	NUM
ajbmeb-3222	84	14	.	.	PUNCT
ajbmeb-3222	85	1	table	table	NOUN
ajbmeb-3222	85	2	1	1	NUM
ajbmeb-3222	85	3	made	make	VERB
ajbmeb-3222	85	4	by	by	ADP
ajbmeb-3222	85	5	policyholders	policyholder	NOUN
ajbmeb-3222	85	6	to	to	ADP
ajbmeb-3222	85	7	insurance	insurance	NOUN
ajbmeb-3222	85	8	organizations	organization	NOUN
ajbmeb-3222	85	9	information	information	NOUN
ajbmeb-3222	85	10	about	about	ADP
ajbmeb-3222	85	11	insurance	insurance	NOUN
ajbmeb-3222	85	12	payments	payment	NOUN
ajbmeb-3222	85	13	(	(	PUNCT
ajbmeb-3222	85	14	as	as	ADP
ajbmeb-3222	85	15	of	of	ADP
ajbmeb-3222	85	16	march	march	PROPN
ajbmeb-3222	85	17	2024	2024	NUM
ajbmeb-3222	85	18	)	)	PUNCT
ajbmeb-3222	85	19	№	№	NOUN
ajbmeb-3222	85	20	indicators	indicator	NOUN
ajbmeb-3222	85	21	2023	2023	NUM
ajbmeb-3222	85	22	year	year	NOUN
ajbmeb-3222	85	23	2024	2024	NUM
ajbmeb-3222	85	24	year	year	NOUN
ajbmeb-3222	85	25	change	change	NOUN
ajbmeb-3222	85	26	(	(	PUNCT
ajbmeb-3222	85	27	%	%	INTJ
ajbmeb-3222	85	28	)	)	PUNCT
ajbmeb-3222	85	29	million.sum	million.sum	NOUN
ajbmeb-3222	85	30	in	in	ADP
ajbmeb-3222	85	31	percent	percent	NOUN
ajbmeb-3222	85	32	(	(	PUNCT
ajbmeb-3222	85	33	%	%	INTJ
ajbmeb-3222	85	34	)	)	PUNCT
ajbmeb-3222	85	35	million.sum	million.sum	NOUN
ajbmeb-3222	85	36	in	in	ADP
ajbmeb-3222	85	37	percent	percent	NOUN
ajbmeb-3222	85	38	(	(	PUNCT
ajbmeb-3222	85	39	%	%	NOUN
ajbmeb-3222	85	40	)	)	PUNCT
ajbmeb-3222	85	41	1	1	NUM
ajbmeb-3222	85	42	insurance	insurance	NOUN
ajbmeb-3222	85	43	in	in	ADP
ajbmeb-3222	85	44	the	the	DET
ajbmeb-3222	85	45	field	field	NOUN
ajbmeb-3222	85	46	of	of	ADP
ajbmeb-3222	85	47	general	general	ADJ
ajbmeb-3222	85	48	insurance	insurance	NOUN
ajbmeb-3222	85	49	organizations	organization	NOUN
ajbmeb-3222	85	50	,	,	PUNCT
ajbmeb-3222	85	51	511450	511450	NUM
ajbmeb-3222	85	52	100	100	NUM
ajbmeb-3222	85	53	%	%	NOUN
ajbmeb-3222	85	54	436519	436519	NUM
ajbmeb-3222	85	55	100	100	NUM
ajbmeb-3222	85	56	%	%	NOUN
ajbmeb-3222	85	57	-14,7	-14,7	NUM
ajbmeb-3222	85	58	%	%	NOUN
ajbmeb-3222	85	59	including	include	VERB
ajbmeb-3222	85	60	197349	197349	NUM
ajbmeb-3222	85	61	39	39	NUM
ajbmeb-3222	85	62	%	%	NOUN
ajbmeb-3222	85	63	275001	275001	NUM
ajbmeb-3222	85	64	63	63	NUM
ajbmeb-3222	85	65	%	%	NOUN
ajbmeb-3222	85	66	+39,3	+39,3	NUM
ajbmeb-3222	85	67	%	%	NOUN
ajbmeb-3222	85	68	1.1	1.1	NUM
ajbmeb-3222	85	69	compulsory	compulsory	ADJ
ajbmeb-3222	85	70	insurance	insurance	NOUN
ajbmeb-3222	85	71	51352	51352	NUM
ajbmeb-3222	85	72	10	10	NUM
ajbmeb-3222	85	73	%	%	NOUN
ajbmeb-3222	85	74	62127	62127	NUM
ajbmeb-3222	85	75	14	14	NUM
ajbmeb-3222	85	76	%	%	NOUN
ajbmeb-3222	85	77	+21,0	+21,0	NUM
ajbmeb-3222	85	78	%	%	NOUN
ajbmeb-3222	85	79	1.2	1.2	NUM
ajbmeb-3222	85	80	optional	optional	ADJ
ajbmeb-3222	85	81	insurance	insurance	NOUN
ajbmeb-3222	85	82	145997	145997	NUM
ajbmeb-3222	85	83	29	29	NUM
ajbmeb-3222	85	84	%	%	NOUN
ajbmeb-3222	85	85	212874	212874	NUM
ajbmeb-3222	85	86	49	49	NUM
ajbmeb-3222	85	87	%	%	NOUN
ajbmeb-3222	85	88	+45,8	+45,8	NUM
ajbmeb-3222	85	89	%	%	NOUN
ajbmeb-3222	85	90	2	2	NUM
ajbmeb-3222	85	91	insurance	insurance	NOUN
ajbmeb-3222	85	92	in	in	ADP
ajbmeb-3222	85	93	the	the	DET
ajbmeb-3222	85	94	field	field	NOUN
ajbmeb-3222	85	95	of	of	ADP
ajbmeb-3222	85	96	life	life	NOUN
ajbmeb-3222	85	97	insurance	insurance	NOUN
ajbmeb-3222	85	98	organizations	organization	NOUN
ajbmeb-3222	85	99	,	,	PUNCT
ajbmeb-3222	85	100	including	include	VERB
ajbmeb-3222	85	101	314101	314101	NUM
ajbmeb-3222	85	102	61	61	NUM
ajbmeb-3222	85	103	%	%	NOUN
ajbmeb-3222	85	104	161518	161518	NUM
ajbmeb-3222	85	105	37	37	NUM
ajbmeb-3222	85	106	%	%	NOUN
ajbmeb-3222	85	107	-48,6	-48,6	NUM
ajbmeb-3222	85	108	%	%	NOUN
ajbmeb-3222	85	109	2.1	2.1	NUM
ajbmeb-3222	85	110	compulsory	compulsory	ADJ
ajbmeb-3222	85	111	insurance	insurance	NOUN
ajbmeb-3222	85	112	1928	1928	NUM
ajbmeb-3222	85	113	0	0	NUM
ajbmeb-3222	85	114	%	%	NOUN
ajbmeb-3222	85	115	3060	3060	NUM
ajbmeb-3222	85	116	1	1	NUM
ajbmeb-3222	85	117	%	%	NOUN
ajbmeb-3222	85	118	+58,7	+58,7	NUM
ajbmeb-3222	85	119	%	%	NOUN
ajbmeb-3222	85	120	2.2	2.2	NUM
ajbmeb-3222	85	121	optional	optional	ADJ
ajbmeb-3222	85	122	insurance	insurance	NOUN
ajbmeb-3222	85	123	312173	312173	NUM
ajbmeb-3222	85	124	61	61	NUM
ajbmeb-3222	85	125	%	%	NOUN
ajbmeb-3222	85	126	158458	158458	NUM
ajbmeb-3222	85	127	36	36	NUM
ajbmeb-3222	85	128	%	%	NOUN
ajbmeb-3222	85	129	-49,2	-49,2	NUM
ajbmeb-3222	85	130	%	%	NOUN
ajbmeb-3222	85	131	as	as	SCONJ
ajbmeb-3222	85	132	can	can	AUX
ajbmeb-3222	85	133	be	be	AUX
ajbmeb-3222	85	134	seen	see	VERB
ajbmeb-3222	85	135	from	from	ADP
ajbmeb-3222	85	136	the	the	DET
ajbmeb-3222	85	137	table	table	NOUN
ajbmeb-3222	85	138	,	,	PUNCT
ajbmeb-3222	85	139	in	in	ADP
ajbmeb-3222	85	140	the	the	DET
ajbmeb-3222	85	141	fourth	fourth	ADJ
ajbmeb-3222	85	142	quarter	quarter	NOUN
ajbmeb-3222	85	143	of	of	ADP
ajbmeb-3222	85	144	2022	2022	NUM
ajbmeb-3222	85	145	,	,	PUNCT
ajbmeb-3222	85	146	197,349	197,349	NUM
ajbmeb-3222	85	147	million	million	NUM
ajbmeb-3222	85	148	soums	soum	NOUN
ajbmeb-3222	85	149	were	be	AUX
ajbmeb-3222	85	150	paid	pay	VERB
ajbmeb-3222	85	151	by	by	ADP
ajbmeb-3222	85	152	policyholders	policyholder	NOUN
ajbmeb-3222	85	153	to	to	ADP
ajbmeb-3222	85	154	insurance	insurance	NOUN
ajbmeb-3222	85	155	organizations	organization	NOUN
ajbmeb-3222	85	156	in	in	ADP
ajbmeb-3222	85	157	the	the	DET
ajbmeb-3222	85	158	field	field	NOUN
ajbmeb-3222	85	159	of	of	ADP
ajbmeb-3222	85	160	general	general	ADJ
ajbmeb-3222	85	161	insurance	insurance	NOUN
ajbmeb-3222	85	162	in	in	ADP
ajbmeb-3222	85	163	the	the	DET
ajbmeb-3222	85	164	country	country	NOUN
ajbmeb-3222	85	165	for	for	ADP
ajbmeb-3222	85	166	insurance	insurance	NOUN
ajbmeb-3222	85	167	services	service	NOUN
ajbmeb-3222	85	168	(	(	PUNCT
ajbmeb-3222	85	169	compulsory	compulsory	ADJ
ajbmeb-3222	85	170	insurance	insurance	NOUN
ajbmeb-3222	85	171	,	,	PUNCT
ajbmeb-3222	85	172	voluntary	voluntary	ADJ
ajbmeb-3222	85	173	insurance	insurance	NOUN
ajbmeb-3222	85	174	)	)	PUNCT
ajbmeb-3222	85	175	,	,	PUNCT
ajbmeb-3222	85	176	while	while	SCONJ
ajbmeb-3222	85	177	this	this	DET
ajbmeb-3222	85	178	figure	figure	NOUN
ajbmeb-3222	85	179	increased	increase	VERB
ajbmeb-3222	85	180	to	to	ADP
ajbmeb-3222	85	181	275,001	275,001	NUM
ajbmeb-3222	85	182	million	million	NUM
ajbmeb-3222	85	183	soums	soum	NOUN
ajbmeb-3222	85	184	in	in	ADP
ajbmeb-3222	85	185	the	the	DET
ajbmeb-3222	85	186	first	first	ADJ
ajbmeb-3222	85	187	quarter	quarter	NOUN
ajbmeb-3222	85	188	of	of	ADP
ajbmeb-3222	85	189	2023	2023	NUM
ajbmeb-3222	85	190	,	,	PUNCT
ajbmeb-3222	85	191	respectively	respectively	ADV
ajbmeb-3222	85	192	.	.	PUNCT
ajbmeb-3222	86	1	amounting	amount	VERB
ajbmeb-3222	86	2	to	to	ADP
ajbmeb-3222	86	3	soum	soum	PROPN
ajbmeb-3222	86	4	.	.	PUNCT
ajbmeb-3222	87	1	in	in	ADP
ajbmeb-3222	87	2	insurance	insurance	NOUN
ajbmeb-3222	87	3	organizations	organization	NOUN
ajbmeb-3222	87	4	in	in	ADP
ajbmeb-3222	87	5	the	the	DET
ajbmeb-3222	87	6	field	field	NOUN
ajbmeb-3222	87	7	of	of	ADP
ajbmeb-3222	87	8	life	life	NOUN
ajbmeb-3222	87	9	insurance	insurance	NOUN
ajbmeb-3222	87	10	,	,	PUNCT
ajbmeb-3222	87	11	this	this	DET
ajbmeb-3222	87	12	figure	figure	NOUN
ajbmeb-3222	87	13	will	will	AUX
ajbmeb-3222	87	14	be	be	AUX
ajbmeb-3222	87	15	314,101	314,101	NUM
ajbmeb-3222	87	16	million	million	NUM
ajbmeb-3222	87	17	in	in	ADP
ajbmeb-3222	87	18	2023	2023	NUM
ajbmeb-3222	87	19	.	.	PUNCT
ajbmeb-3222	88	1	soums	soum	NOUN
ajbmeb-3222	88	2	,	,	PUNCT
ajbmeb-3222	88	3	161518	161518	NUM
ajbmeb-3222	88	4	million	million	NUM
ajbmeb-3222	88	5	in	in	ADP
ajbmeb-3222	88	6	2024	2024	NUM
ajbmeb-3222	88	7	.	.	PUNCT
ajbmeb-3222	89	1	it	it	PRON
ajbmeb-3222	89	2	can	can	AUX
ajbmeb-3222	89	3	be	be	AUX
ajbmeb-3222	89	4	seen	see	VERB
ajbmeb-3222	89	5	that	that	SCONJ
ajbmeb-3222	89	6	soum	soum	NOUN
ajbmeb-3222	89	7	has	have	AUX
ajbmeb-3222	89	8	been	be	AUX
ajbmeb-3222	89	9	paid	pay	VERB
ajbmeb-3222	89	10	.	.	PUNCT
ajbmeb-3222	90	1	the	the	DET
ajbmeb-3222	90	2	stress	stress	NOUN
ajbmeb-3222	90	3	test	test	NOUN
ajbmeb-3222	90	4	method	method	NOUN
ajbmeb-3222	90	5	is	be	AUX
ajbmeb-3222	90	6	the	the	DET
ajbmeb-3222	90	7	most	most	ADV
ajbmeb-3222	90	8	relevant	relevant	ADJ
ajbmeb-3222	90	9	mechanism	mechanism	NOUN
ajbmeb-3222	90	10	for	for	ADP
ajbmeb-3222	90	11	assessing	assess	VERB
ajbmeb-3222	90	12	the	the	DET
ajbmeb-3222	90	13	organization	organization	NOUN
ajbmeb-3222	90	14	's	's	PART
ajbmeb-3222	90	15	financial	financial	ADJ
ajbmeb-3222	90	16	condition	condition	NOUN
ajbmeb-3222	90	17	and	and	CCONJ
ajbmeb-3222	90	18	risks	risk	NOUN
ajbmeb-3222	90	19	.	.	PUNCT
ajbmeb-3222	91	1	in	in	ADP
ajbmeb-3222	91	2	addition	addition	NOUN
ajbmeb-3222	91	3	,	,	PUNCT
ajbmeb-3222	91	4	it	it	PRON
ajbmeb-3222	91	5	is	be	AUX
ajbmeb-3222	91	6	an	an	DET
ajbmeb-3222	91	7	effective	effective	ADJ
ajbmeb-3222	91	8	system	system	NOUN
ajbmeb-3222	91	9	in	in	ADP
ajbmeb-3222	91	10	the	the	DET
ajbmeb-3222	91	11	field	field	NOUN
ajbmeb-3222	91	12	of	of	ADP
ajbmeb-3222	91	13	insurance	insurance	NOUN
ajbmeb-3222	91	14	risk	risk	NOUN
ajbmeb-3222	91	15	management	management	NOUN
ajbmeb-3222	91	16	and	and	CCONJ
ajbmeb-3222	91	17	assessment	assessment	NOUN
ajbmeb-3222	91	18	,	,	PUNCT
ajbmeb-3222	91	19	which	which	PRON
ajbmeb-3222	91	20	helps	help	VERB
ajbmeb-3222	91	21	to	to	PART
ajbmeb-3222	91	22	better	well	ADV
ajbmeb-3222	91	23	understand	understand	VERB
ajbmeb-3222	91	24	the	the	DET
ajbmeb-3222	91	25	risks	risk	NOUN
ajbmeb-3222	91	26	inherent	inherent	ADJ
ajbmeb-3222	91	27	in	in	ADP
ajbmeb-3222	91	28	business	business	NOUN
ajbmeb-3222	91	29	.	.	PUNCT
ajbmeb-3222	92	1	through	through	ADP
ajbmeb-3222	92	2	this	this	DET
ajbmeb-3222	92	3	method	method	NOUN
ajbmeb-3222	92	4	,	,	PUNCT
ajbmeb-3222	92	5	it	it	PRON
ajbmeb-3222	92	6	serves	serve	VERB
ajbmeb-3222	92	7	to	to	PART
ajbmeb-3222	92	8	perform	perform	VERB
ajbmeb-3222	92	9	the	the	DET
ajbmeb-3222	92	10	necessary	necessary	ADJ
ajbmeb-3222	92	11	actions	action	NOUN
ajbmeb-3222	92	12	on	on	ADP
ajbmeb-3222	92	13	time	time	NOUN
ajbmeb-3222	92	14	and	and	CCONJ
ajbmeb-3222	92	15	to	to	PART
ajbmeb-3222	92	16	reduce	reduce	VERB
ajbmeb-3222	92	17	or	or	CCONJ
ajbmeb-3222	92	18	prevent	prevent	VERB
ajbmeb-3222	92	19	risks	risk	NOUN
ajbmeb-3222	92	20	.	.	PUNCT
ajbmeb-3222	93	1	when	when	SCONJ
ajbmeb-3222	93	2	using	use	VERB
ajbmeb-3222	93	3	the	the	DET
ajbmeb-3222	93	4	event	event	NOUN
ajbmeb-3222	93	5	tree	tree	NOUN
ajbmeb-3222	93	6	analysis	analysis	NOUN
ajbmeb-3222	93	7	method	method	NOUN
ajbmeb-3222	93	8	,	,	PUNCT
ajbmeb-3222	93	9	it	it	PRON
ajbmeb-3222	93	10	is	be	AUX
ajbmeb-3222	93	11	done	do	VERB
ajbmeb-3222	93	12	like	like	ADP
ajbmeb-3222	93	13	using	use	VERB
ajbmeb-3222	93	14	a	a	DET
ajbmeb-3222	93	15	visual	visual	ADJ
ajbmeb-3222	93	16	,	,	PUNCT
ajbmeb-3222	93	17	graphical	graphical	ADJ
ajbmeb-3222	93	18	form	form	NOUN
ajbmeb-3222	93	19	of	of	ADP
ajbmeb-3222	93	20	the	the	DET
ajbmeb-3222	93	21	tree	tree	NOUN
ajbmeb-3222	93	22	.	.	PUNCT
ajbmeb-3222	94	1	the	the	DET
ajbmeb-3222	94	2	process	process	NOUN
ajbmeb-3222	94	3	begins	begin	VERB
ajbmeb-3222	94	4	with	with	ADP
ajbmeb-3222	94	5	initial	initial	ADJ
ajbmeb-3222	94	6	events	event	NOUN
ajbmeb-3222	94	7	,	,	PUNCT
ajbmeb-3222	94	8	such	such	ADJ
ajbmeb-3222	94	9	as	as	ADP
ajbmeb-3222	94	10	the	the	DET
ajbmeb-3222	94	11	wounding	wounding	NOUN
ajbmeb-3222	94	12	of	of	ADP
ajbmeb-3222	94	13	a	a	DET
ajbmeb-3222	94	14	tree	tree	NOUN
ajbmeb-3222	94	15	,	,	PUNCT
ajbmeb-3222	94	16	and	and	CCONJ
ajbmeb-3222	94	17	traces	trace	VERB
ajbmeb-3222	94	18	the	the	DET
ajbmeb-3222	94	19	ways	way	NOUN
ajbmeb-3222	94	20	in	in	ADP
ajbmeb-3222	94	21	which	which	PRON
ajbmeb-3222	94	22	outcomes	outcome	NOUN
ajbmeb-3222	94	23	develop	develop	VERB
ajbmeb-3222	94	24	along	along	ADP
ajbmeb-3222	94	25	a	a	DET
ajbmeb-3222	94	26	chain	chain	NOUN
ajbmeb-3222	94	27	of	of	ADP
ajbmeb-3222	94	28	cause	cause	NOUN
ajbmeb-3222	94	29	and	and	CCONJ
ajbmeb-3222	94	30	effect	effect	VERB
ajbmeb-3222	94	31	relationships	relationship	NOUN
ajbmeb-3222	94	32	.	.	PUNCT
ajbmeb-3222	95	1	at	at	ADP
ajbmeb-3222	95	2	each	each	DET
ajbmeb-3222	95	3	stage	stage	NOUN
ajbmeb-3222	95	4	of	of	ADP
ajbmeb-3222	95	5	the	the	DET
ajbmeb-3222	95	6	process	process	NOUN
ajbmeb-3222	95	7	development	development	NOUN
ajbmeb-3222	95	8	,	,	PUNCT
ajbmeb-3222	95	9	there	there	PRON
ajbmeb-3222	95	10	are	be	VERB
ajbmeb-3222	95	11	two	two	NUM
ajbmeb-3222	95	12	outcomes	outcome	NOUN
ajbmeb-3222	95	13	,	,	PUNCT
ajbmeb-3222	95	14	which	which	PRON
ajbmeb-3222	95	15	is	be	AUX
ajbmeb-3222	95	16	the	the	DET
ajbmeb-3222	95	17	activation	activation	NOUN
ajbmeb-3222	95	18	or	or	CCONJ
ajbmeb-3222	95	19	failure	failure	NOUN
ajbmeb-3222	95	20	of	of	ADP
ajbmeb-3222	95	21	the	the	DET
ajbmeb-3222	95	22	system	system	NOUN
ajbmeb-3222	95	23	.	.	PUNCT
ajbmeb-3222	96	1	this	this	DET
ajbmeb-3222	96	2	analysis	analysis	NOUN
ajbmeb-3222	96	3	allows	allow	VERB
ajbmeb-3222	96	4	you	you	PRON
ajbmeb-3222	96	5	to	to	PART
ajbmeb-3222	96	6	determine	determine	VERB
ajbmeb-3222	96	7	the	the	DET
ajbmeb-3222	96	8	likely	likely	ADJ
ajbmeb-3222	96	9	outcomes	outcome	NOUN
ajbmeb-3222	96	10	of	of	ADP
ajbmeb-3222	96	11	specific	specific	ADJ
ajbmeb-3222	96	12	decisions	decision	NOUN
ajbmeb-3222	96	13	or	or	CCONJ
ajbmeb-3222	96	14	events	event	NOUN
ajbmeb-3222	96	15	.	.	PUNCT
ajbmeb-3222	97	1	also	also	ADV
ajbmeb-3222	97	2	,	,	PUNCT
ajbmeb-3222	97	3	within	within	ADP
ajbmeb-3222	97	4	this	this	DET
ajbmeb-3222	97	5	method	method	NOUN
ajbmeb-3222	97	6	,	,	PUNCT
ajbmeb-3222	97	7	there	there	PRON
ajbmeb-3222	97	8	is	be	VERB
ajbmeb-3222	97	9	an	an	DET
ajbmeb-3222	97	10	event	event	NOUN
ajbmeb-3222	97	11	method	method	NOUN
ajbmeb-3222	97	12	,	,	PUNCT
ajbmeb-3222	97	13	the	the	DET
ajbmeb-3222	97	14	main	main	ADJ
ajbmeb-3222	97	15	difference	difference	NOUN
ajbmeb-3222	97	16	of	of	ADP
ajbmeb-3222	97	17	which	which	PRON
ajbmeb-3222	97	18	from	from	ADP
ajbmeb-3222	97	19	the	the	DET
ajbmeb-3222	97	20	event	event	NOUN
ajbmeb-3222	97	21	tree	tree	NOUN
ajbmeb-3222	97	22	analysis	analysis	NOUN
ajbmeb-3222	97	23	method	method	NOUN
ajbmeb-3222	97	24	is	be	AUX
ajbmeb-3222	97	25	the	the	DET
ajbmeb-3222	97	26	absence	absence	NOUN
ajbmeb-3222	97	27	of	of	ADP
ajbmeb-3222	97	28	graphical	graphical	ADJ
ajbmeb-3222	97	29	representations	representation	NOUN
ajbmeb-3222	97	30	of	of	ADP
ajbmeb-3222	97	31	the	the	DET
ajbmeb-3222	97	32	chain	chain	NOUN
ajbmeb-3222	97	33	of	of	ADP
ajbmeb-3222	97	34	events	event	NOUN
ajbmeb-3222	97	35	and	and	CCONJ
ajbmeb-3222	97	36	the	the	DET
ajbmeb-3222	97	37	possibility	possibility	NOUN
ajbmeb-3222	97	38	of	of	ADP
ajbmeb-3222	97	39	estimating	estimate	VERB
ajbmeb-3222	97	40	the	the	DET
ajbmeb-3222	97	41	probability	probability	NOUN
ajbmeb-3222	97	42	of	of	ADP
ajbmeb-3222	97	43	each	each	DET
ajbmeb-3222	97	44	event	event	NOUN
ajbmeb-3222	97	45	.	.	PUNCT
ajbmeb-3222	98	1	the	the	DET
ajbmeb-3222	98	2	monte	monte	PROPN
ajbmeb-3222	98	3	carlo	carlo	PROPN
ajbmeb-3222	98	4	method	method	NOUN
ajbmeb-3222	98	5	is	be	AUX
ajbmeb-3222	98	6	based	base	VERB
ajbmeb-3222	98	7	on	on	ADP
ajbmeb-3222	98	8	obtaining	obtain	VERB
ajbmeb-3222	98	9	a	a	DET
ajbmeb-3222	98	10	large	large	ADJ
ajbmeb-3222	98	11	number	number	NOUN
ajbmeb-3222	98	12	of	of	ADP
ajbmeb-3222	98	13	realizations	realization	NOUN
ajbmeb-3222	98	14	of	of	ADP
ajbmeb-3222	98	15	a	a	DET
ajbmeb-3222	98	16	stochastic	stochastic	ADJ
ajbmeb-3222	98	17	process	process	NOUN
ajbmeb-3222	98	18	,	,	PUNCT
ajbmeb-3222	98	19	the	the	DET
ajbmeb-3222	98	20	probability	probability	NOUN
ajbmeb-3222	98	21	properties	property	NOUN
ajbmeb-3222	98	22	of	of	ADP
ajbmeb-3222	98	23	which	which	PRON
ajbmeb-3222	98	24	correspond	correspond	VERB
ajbmeb-3222	98	25	to	to	ADP
ajbmeb-3222	98	26	similar	similar	ADJ
ajbmeb-3222	98	27	values	value	NOUN
ajbmeb-3222	98	28	of	of	ADP
ajbmeb-3222	98	29	the	the	DET
ajbmeb-3222	98	30	problem	problem	NOUN
ajbmeb-3222	98	31	under	under	ADP
ajbmeb-3222	98	32	consideration	consideration	NOUN
ajbmeb-3222	98	33	.	.	PUNCT
ajbmeb-3222	99	1	this	this	DET
ajbmeb-3222	99	2	method	method	NOUN
ajbmeb-3222	99	3	is	be	AUX
ajbmeb-3222	99	4	usually	usually	ADV
ajbmeb-3222	99	5	used	use	VERB
ajbmeb-3222	99	6	when	when	SCONJ
ajbmeb-3222	99	7	it	it	PRON
ajbmeb-3222	99	8	is	be	AUX
ajbmeb-3222	99	9	not	not	PART
ajbmeb-3222	99	10	possible	possible	ADJ
ajbmeb-3222	99	11	to	to	PART
ajbmeb-3222	99	12	obtain	obtain	VERB
ajbmeb-3222	99	13	accurate	accurate	ADJ
ajbmeb-3222	99	14	data	datum	NOUN
ajbmeb-3222	99	15	or	or	CCONJ
ajbmeb-3222	99	16	use	use	VERB
ajbmeb-3222	99	17	deterministic	deterministic	ADJ
ajbmeb-3222	99	18	american	american	ADJ
ajbmeb-3222	99	19	journal	journal	PROPN
ajbmeb-3222	99	20	of	of	ADP
ajbmeb-3222	99	21	business	business	NOUN
ajbmeb-3222	99	22	management	management	NOUN
ajbmeb-3222	99	23	,	,	PUNCT
ajbmeb-3222	99	24	economics	economic	NOUN
ajbmeb-3222	99	25	and	and	CCONJ
ajbmeb-3222	99	26	banking	banking	NOUN
ajbmeb-3222	99	27	volume	volume	NOUN
ajbmeb-3222	100	1	43	43	NUM
ajbmeb-3222	101	1	december2025	december2025	PROPN
ajbmeb-3222	101	2	p	p	PROPN
ajbmeb-3222	101	3	a	a	DET
ajbmeb-3222	101	4	g	g	NOUN
ajbmeb-3222	101	5	e	e	NOUN
ajbmeb-3222	101	6	|	|	ADV
ajbmeb-3222	101	7	62	62	NUM
ajbmeb-3222	101	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3222	101	9	algorithms	algorithm	NOUN
ajbmeb-3222	101	10	.	.	PUNCT
ajbmeb-3222	102	1	however	however	ADV
ajbmeb-3222	102	2	,	,	PUNCT
ajbmeb-3222	102	3	with	with	ADP
ajbmeb-3222	102	4	this	this	DET
ajbmeb-3222	102	5	method	method	NOUN
ajbmeb-3222	102	6	,	,	PUNCT
ajbmeb-3222	102	7	it	it	PRON
ajbmeb-3222	102	8	is	be	AUX
ajbmeb-3222	102	9	not	not	PART
ajbmeb-3222	102	10	possible	possible	ADJ
ajbmeb-3222	102	11	to	to	PART
ajbmeb-3222	102	12	analyze	analyze	VERB
ajbmeb-3222	102	13	the	the	DET
ajbmeb-3222	102	14	current	current	ADJ
ajbmeb-3222	102	15	results	result	NOUN
ajbmeb-3222	102	16	of	of	ADP
ajbmeb-3222	102	17	specific	specific	ADJ
ajbmeb-3222	102	18	decisions	decision	NOUN
ajbmeb-3222	102	19	or	or	CCONJ
ajbmeb-3222	102	20	identify	identify	VERB
ajbmeb-3222	102	21	adverse	adverse	ADJ
ajbmeb-3222	102	22	events	event	NOUN
ajbmeb-3222	102	23	.	.	PUNCT
ajbmeb-3222	103	1	the	the	DET
ajbmeb-3222	103	2	bayesian	bayesian	NOUN
ajbmeb-3222	103	3	confidence	confidence	NOUN
ajbmeb-3222	103	4	network	network	NOUN
ajbmeb-3222	103	5	method	method	NOUN
ajbmeb-3222	103	6	is	be	AUX
ajbmeb-3222	103	7	a	a	DET
ajbmeb-3222	103	8	graphical	graphical	ADJ
ajbmeb-3222	103	9	probabilistic	probabilistic	ADJ
ajbmeb-3222	103	10	model	model	NOUN
ajbmeb-3222	103	11	that	that	PRON
ajbmeb-3222	103	12	represents	represent	VERB
ajbmeb-3222	103	13	a	a	DET
ajbmeb-3222	103	14	set	set	NOUN
ajbmeb-3222	103	15	of	of	ADP
ajbmeb-3222	103	16	variables	variable	NOUN
ajbmeb-3222	103	17	and	and	CCONJ
ajbmeb-3222	103	18	their	their	PRON
ajbmeb-3222	103	19	probabilistic	probabilistic	ADJ
ajbmeb-3222	103	20	relationships	relationship	NOUN
ajbmeb-3222	103	21	.	.	PUNCT
ajbmeb-3222	104	1	this	this	DET
ajbmeb-3222	104	2	method	method	NOUN
ajbmeb-3222	104	3	is	be	AUX
ajbmeb-3222	104	4	based	base	VERB
ajbmeb-3222	104	5	on	on	ADP
ajbmeb-3222	104	6	special	special	ADJ
ajbmeb-3222	104	7	graphics	graphic	NOUN
ajbmeb-3222	104	8	and	and	CCONJ
ajbmeb-3222	104	9	is	be	AUX
ajbmeb-3222	104	10	not	not	PART
ajbmeb-3222	104	11	widely	widely	ADV
ajbmeb-3222	104	12	used	use	VERB
ajbmeb-3222	104	13	in	in	ADP
ajbmeb-3222	104	14	practice	practice	NOUN
ajbmeb-3222	104	15	.	.	PUNCT
ajbmeb-3222	105	1	therefore	therefore	ADV
ajbmeb-3222	105	2	,	,	PUNCT
ajbmeb-3222	105	3	special	special	ADJ
ajbmeb-3222	105	4	attention	attention	NOUN
ajbmeb-3222	105	5	is	be	AUX
ajbmeb-3222	105	6	paid	pay	VERB
ajbmeb-3222	105	7	to	to	ADP
ajbmeb-3222	105	8	the	the	DET
ajbmeb-3222	105	9	further	further	ADJ
ajbmeb-3222	105	10	development	development	NOUN
ajbmeb-3222	105	11	and	and	CCONJ
ajbmeb-3222	105	12	popularization	popularization	NOUN
ajbmeb-3222	105	13	of	of	ADP
ajbmeb-3222	105	14	the	the	DET
ajbmeb-3222	105	15	method	method	NOUN
ajbmeb-3222	105	16	today	today	NOUN
ajbmeb-3222	105	17	.	.	PUNCT
ajbmeb-3222	106	1	if	if	SCONJ
ajbmeb-3222	106	2	we	we	PRON
ajbmeb-3222	106	3	consider	consider	VERB
ajbmeb-3222	106	4	the	the	DET
ajbmeb-3222	106	5	formation	formation	NOUN
ajbmeb-3222	106	6	of	of	ADP
ajbmeb-3222	106	7	tariffs	tariff	NOUN
ajbmeb-3222	106	8	developed	develop	VERB
ajbmeb-3222	106	9	for	for	ADP
ajbmeb-3222	106	10	life	life	NOUN
ajbmeb-3222	106	11	insurance	insurance	NOUN
ajbmeb-3222	106	12	,	,	PUNCT
ajbmeb-3222	106	13	it	it	PRON
ajbmeb-3222	106	14	can	can	AUX
ajbmeb-3222	106	15	be	be	AUX
ajbmeb-3222	106	16	said	say	VERB
ajbmeb-3222	106	17	that	that	SCONJ
ajbmeb-3222	106	18	they	they	PRON
ajbmeb-3222	106	19	appeared	appear	VERB
ajbmeb-3222	106	20	based	base	VERB
ajbmeb-3222	106	21	on	on	ADP
ajbmeb-3222	106	22	the	the	DET
ajbmeb-3222	106	23	demand	demand	NOUN
ajbmeb-3222	106	24	of	of	ADP
ajbmeb-3222	106	25	the	the	DET
ajbmeb-3222	106	26	insured	insure	VERB
ajbmeb-3222	106	27	(	(	PUNCT
ajbmeb-3222	106	28	client	client	NOUN
ajbmeb-3222	106	29	)	)	PUNCT
ajbmeb-3222	106	30	.	.	PUNCT
ajbmeb-3222	107	1	in	in	ADP
ajbmeb-3222	107	2	order	order	NOUN
ajbmeb-3222	107	3	to	to	PART
ajbmeb-3222	107	4	calculate	calculate	VERB
ajbmeb-3222	107	5	the	the	DET
ajbmeb-3222	107	6	net	net	ADJ
ajbmeb-3222	107	7	rate	rate	NOUN
ajbmeb-3222	107	8	for	for	ADP
ajbmeb-3222	107	9	a	a	DET
ajbmeb-3222	107	10	life	life	NOUN
ajbmeb-3222	107	11	insurance	insurance	NOUN
ajbmeb-3222	107	12	contract	contract	NOUN
ajbmeb-3222	107	13	,	,	PUNCT
ajbmeb-3222	107	14	a	a	DET
ajbmeb-3222	107	15	basic	basic	ADJ
ajbmeb-3222	107	16	source	source	NOUN
ajbmeb-3222	107	17	of	of	ADP
ajbmeb-3222	107	18	information	information	NOUN
ajbmeb-3222	107	19	related	relate	VERB
ajbmeb-3222	107	20	to	to	ADP
ajbmeb-3222	107	21	the	the	DET
ajbmeb-3222	107	22	potential	potential	ADJ
ajbmeb-3222	107	23	risks	risk	NOUN
ajbmeb-3222	107	24	of	of	ADP
ajbmeb-3222	107	25	the	the	DET
ajbmeb-3222	107	26	insured	insure	VERB
ajbmeb-3222	107	27	is	be	AUX
ajbmeb-3222	107	28	collected	collect	VERB
ajbmeb-3222	107	29	.	.	PUNCT
ajbmeb-3222	108	1	these	these	PRON
ajbmeb-3222	108	2	are	be	AUX
ajbmeb-3222	108	3	detailed	detailed	ADJ
ajbmeb-3222	108	4	information	information	NOUN
ajbmeb-3222	108	5	about	about	ADP
ajbmeb-3222	108	6	the	the	DET
ajbmeb-3222	108	7	policyholder	policyholder	NOUN
ajbmeb-3222	108	8	's	's	PART
ajbmeb-3222	108	9	lifestyle	lifestyle	NOUN
ajbmeb-3222	108	10	,	,	PUNCT
ajbmeb-3222	108	11	health	health	NOUN
ajbmeb-3222	108	12	status	status	NOUN
ajbmeb-3222	108	13	,	,	PUNCT
ajbmeb-3222	108	14	age	age	NOUN
ajbmeb-3222	108	15	and	and	CCONJ
ajbmeb-3222	108	16	employment	employment	NOUN
ajbmeb-3222	108	17	.	.	PUNCT
ajbmeb-3222	109	1	in	in	ADP
ajbmeb-3222	109	2	addition	addition	NOUN
ajbmeb-3222	109	3	,	,	PUNCT
ajbmeb-3222	109	4	bayes	bayes	PROPN
ajbmeb-3222	109	5	network	network	NOUN
ajbmeb-3222	109	6	evaluation	evaluation	NOUN
ajbmeb-3222	109	7	is	be	AUX
ajbmeb-3222	109	8	carried	carry	VERB
ajbmeb-3222	109	9	out	out	ADP
ajbmeb-3222	109	10	on	on	ADP
ajbmeb-3222	109	11	the	the	DET
ajbmeb-3222	109	12	basis	basis	NOUN
ajbmeb-3222	109	13	of	of	ADP
ajbmeb-3222	109	14	conditional	conditional	ADJ
ajbmeb-3222	109	15	and	and	CCONJ
ajbmeb-3222	109	16	unconditional	unconditional	ADJ
ajbmeb-3222	109	17	probabilities	probability	NOUN
ajbmeb-3222	109	18	determined	determine	VERB
ajbmeb-3222	109	19	by	by	ADP
ajbmeb-3222	109	20	the	the	DET
ajbmeb-3222	109	21	expert	expert	NOUN
ajbmeb-3222	109	22	method	method	NOUN
ajbmeb-3222	109	23	.	.	PUNCT
ajbmeb-3222	110	1	conclusions	conclusion	NOUN
ajbmeb-3222	110	2	and	and	CCONJ
ajbmeb-3222	110	3	suggestions	suggestion	NOUN
ajbmeb-3222	110	4	insurance	insurance	NOUN
ajbmeb-3222	110	5	(	(	PUNCT
ajbmeb-3222	110	6	reinsurance	reinsurance	NOUN
ajbmeb-3222	110	7	)	)	PUNCT
ajbmeb-3222	110	8	organizations	organization	NOUN
ajbmeb-3222	110	9	are	be	AUX
ajbmeb-3222	110	10	obliged	oblige	VERB
ajbmeb-3222	110	11	to	to	PART
ajbmeb-3222	110	12	comply	comply	VERB
ajbmeb-3222	110	13	with	with	ADP
ajbmeb-3222	110	14	the	the	DET
ajbmeb-3222	110	15	requirements	requirement	NOUN
ajbmeb-3222	110	16	for	for	ADP
ajbmeb-3222	110	17	internal	internal	ADJ
ajbmeb-3222	110	18	control	control	NOUN
ajbmeb-3222	110	19	and	and	CCONJ
ajbmeb-3222	110	20	risk	risk	NOUN
ajbmeb-3222	110	21	management	management	NOUN
ajbmeb-3222	110	22	system	system	NOUN
ajbmeb-3222	110	23	established	establish	VERB
ajbmeb-3222	110	24	by	by	ADP
ajbmeb-3222	110	25	the	the	DET
ajbmeb-3222	110	26	authorized	authorized	ADJ
ajbmeb-3222	110	27	state	state	NOUN
ajbmeb-3222	110	28	body	body	NOUN
ajbmeb-3222	110	29	[	[	X
ajbmeb-3222	110	30	2	2	NUM
ajbmeb-3222	110	31	]	]	PUNCT
ajbmeb-3222	110	32	.	.	PUNCT
ajbmeb-3222	111	1	the	the	DET
ajbmeb-3222	111	2	requirements	requirement	NOUN
ajbmeb-3222	111	3	of	of	ADP
ajbmeb-3222	111	4	the	the	DET
ajbmeb-3222	111	5	competent	competent	ADJ
ajbmeb-3222	111	6	state	state	NOUN
ajbmeb-3222	111	7	body	body	NOUN
ajbmeb-3222	111	8	take	take	VERB
ajbmeb-3222	111	9	into	into	ADP
ajbmeb-3222	111	10	account	account	NOUN
ajbmeb-3222	111	11	the	the	DET
ajbmeb-3222	111	12	systemic	systemic	ADJ
ajbmeb-3222	111	13	importance	importance	NOUN
ajbmeb-3222	111	14	,	,	PUNCT
ajbmeb-3222	111	15	specific	specific	ADJ
ajbmeb-3222	111	16	nature	nature	NOUN
ajbmeb-3222	111	17	,	,	PUNCT
ajbmeb-3222	111	18	scale	scale	NOUN
ajbmeb-3222	111	19	and	and	CCONJ
ajbmeb-3222	111	20	complexity	complexity	NOUN
ajbmeb-3222	111	21	of	of	ADP
ajbmeb-3222	111	22	the	the	DET
ajbmeb-3222	111	23	type	type	NOUN
ajbmeb-3222	111	24	of	of	ADP
ajbmeb-3222	111	25	activity	activity	NOUN
ajbmeb-3222	111	26	carried	carry	VERB
ajbmeb-3222	111	27	out	out	ADP
ajbmeb-3222	111	28	by	by	ADP
ajbmeb-3222	111	29	the	the	DET
ajbmeb-3222	111	30	insurer	insurer	NOUN
ajbmeb-3222	111	31	(	(	PUNCT
ajbmeb-3222	111	32	reinsurer	reinsurer	NOUN
ajbmeb-3222	111	33	)	)	PUNCT
ajbmeb-3222	111	34	.	.	PUNCT
ajbmeb-3222	112	1	there	there	PRON
ajbmeb-3222	112	2	are	be	VERB
ajbmeb-3222	112	3	many	many	ADJ
ajbmeb-3222	112	4	ways	way	NOUN
ajbmeb-3222	112	5	to	to	PART
ajbmeb-3222	112	6	assess	assess	VERB
ajbmeb-3222	112	7	insurance	insurance	NOUN
ajbmeb-3222	112	8	risks	risk	NOUN
ajbmeb-3222	112	9	.	.	PUNCT
ajbmeb-3222	113	1	based	base	VERB
ajbmeb-3222	113	2	on	on	ADP
ajbmeb-3222	113	3	the	the	DET
ajbmeb-3222	113	4	above	above	ADJ
ajbmeb-3222	113	5	analysis	analysis	NOUN
ajbmeb-3222	113	6	,	,	PUNCT
ajbmeb-3222	113	7	we	we	PRON
ajbmeb-3222	113	8	have	have	AUX
ajbmeb-3222	113	9	considered	consider	VERB
ajbmeb-3222	113	10	the	the	DET
ajbmeb-3222	113	11	most	most	ADV
ajbmeb-3222	113	12	commonly	commonly	ADV
ajbmeb-3222	113	13	used	use	VERB
ajbmeb-3222	113	14	preliminary	preliminary	ADJ
ajbmeb-3222	113	15	analysis	analysis	NOUN
ajbmeb-3222	113	16	,	,	PUNCT
ajbmeb-3222	113	17	event	event	NOUN
ajbmeb-3222	113	18	tree	tree	NOUN
ajbmeb-3222	113	19	,	,	PUNCT
ajbmeb-3222	113	20	stress	stress	NOUN
ajbmeb-3222	113	21	test	test	NOUN
ajbmeb-3222	113	22	,	,	PUNCT
ajbmeb-3222	113	23	monte	monte	PROPN
ajbmeb-3222	113	24	carlo	carlo	PROPN
ajbmeb-3222	113	25	and	and	CCONJ
ajbmeb-3222	113	26	bayesian	bayesian	NOUN
ajbmeb-3222	113	27	confidence	confidence	NOUN
ajbmeb-3222	113	28	network	network	NOUN
ajbmeb-3222	113	29	methods	method	NOUN
ajbmeb-3222	113	30	.	.	PUNCT
ajbmeb-3222	114	1	analytical	analytical	ADJ
ajbmeb-3222	114	2	data	datum	NOUN
ajbmeb-3222	114	3	show	show	VERB
ajbmeb-3222	114	4	that	that	SCONJ
ajbmeb-3222	114	5	the	the	DET
ajbmeb-3222	114	6	stress	stress	NOUN
ajbmeb-3222	114	7	test	test	NOUN
ajbmeb-3222	114	8	method	method	NOUN
ajbmeb-3222	114	9	is	be	AUX
ajbmeb-3222	114	10	the	the	DET
ajbmeb-3222	114	11	most	most	ADV
ajbmeb-3222	114	12	popular	popular	ADJ
ajbmeb-3222	114	13	method	method	NOUN
ajbmeb-3222	114	14	.	.	PUNCT
ajbmeb-3222	115	1	according	accord	VERB
ajbmeb-3222	115	2	to	to	ADP
ajbmeb-3222	115	3	the	the	DET
ajbmeb-3222	115	4	bank	bank	NOUN
ajbmeb-3222	115	5	of	of	ADP
ajbmeb-3222	115	6	international	international	ADJ
ajbmeb-3222	115	7	settlements	settlement	NOUN
ajbmeb-3222	115	8	,	,	PUNCT
ajbmeb-3222	115	9	although	although	SCONJ
ajbmeb-3222	115	10	the	the	DET
ajbmeb-3222	115	11	technique	technique	NOUN
ajbmeb-3222	115	12	of	of	ADP
ajbmeb-3222	115	13	using	use	VERB
ajbmeb-3222	115	14	the	the	DET
ajbmeb-3222	115	15	stress	stress	NOUN
ajbmeb-3222	115	16	test	test	NOUN
ajbmeb-3222	115	17	method	method	NOUN
ajbmeb-3222	115	18	is	be	AUX
ajbmeb-3222	115	19	excluded	exclude	VERB
ajbmeb-3222	115	20	by	by	ADP
ajbmeb-3222	115	21	various	various	ADJ
ajbmeb-3222	115	22	financial	financial	ADJ
ajbmeb-3222	115	23	institutions	institution	NOUN
ajbmeb-3222	115	24	,	,	PUNCT
ajbmeb-3222	115	25	it	it	PRON
ajbmeb-3222	115	26	includes	include	VERB
ajbmeb-3222	115	27	many	many	ADJ
ajbmeb-3222	115	28	methods	method	NOUN
ajbmeb-3222	115	29	used	use	VERB
ajbmeb-3222	115	30	to	to	PART
ajbmeb-3222	115	31	assess	assess	VERB
ajbmeb-3222	115	32	possible	possible	ADJ
ajbmeb-3222	115	33	events	event	NOUN
ajbmeb-3222	115	34	(	(	PUNCT
ajbmeb-3222	115	35	risk	risk	NOUN
ajbmeb-3222	115	36	)	)	PUNCT
ajbmeb-3222	115	37	.	.	PUNCT
ajbmeb-3222	116	1	by	by	ADP
ajbmeb-3222	116	2	analyzing	analyze	VERB
ajbmeb-3222	116	3	the	the	DET
ajbmeb-3222	116	4	methods	method	NOUN
ajbmeb-3222	116	5	widely	widely	ADV
ajbmeb-3222	116	6	used	use	VERB
ajbmeb-3222	116	7	in	in	ADP
ajbmeb-3222	116	8	international	international	ADJ
ajbmeb-3222	116	9	practice	practice	NOUN
ajbmeb-3222	116	10	,	,	PUNCT
ajbmeb-3222	116	11	we	we	PRON
ajbmeb-3222	116	12	made	make	VERB
ajbmeb-3222	116	13	sure	sure	ADJ
ajbmeb-3222	116	14	that	that	SCONJ
ajbmeb-3222	116	15	it	it	PRON
ajbmeb-3222	116	16	is	be	AUX
ajbmeb-3222	116	17	possible	possible	ADJ
ajbmeb-3222	116	18	to	to	PART
ajbmeb-3222	116	19	assess	assess	VERB
ajbmeb-3222	116	20	the	the	DET
ajbmeb-3222	116	21	risk	risk	NOUN
ajbmeb-3222	116	22	with	with	ADP
ajbmeb-3222	116	23	high	high	ADJ
ajbmeb-3222	116	24	accuracy	accuracy	NOUN
ajbmeb-3222	116	25	and	and	CCONJ
ajbmeb-3222	116	26	determine	determine	VERB
ajbmeb-3222	116	27	the	the	DET
ajbmeb-3222	116	28	level	level	NOUN
ajbmeb-3222	116	29	of	of	ADP
ajbmeb-3222	116	30	possible	possible	ADJ
ajbmeb-3222	116	31	negative	negative	ADJ
ajbmeb-3222	116	32	effects	effect	NOUN
ajbmeb-3222	116	33	.	.	PUNCT
ajbmeb-3222	117	1	we	we	PRON
ajbmeb-3222	117	2	have	have	AUX
ajbmeb-3222	117	3	considered	consider	VERB
ajbmeb-3222	117	4	the	the	DET
ajbmeb-3222	117	5	need	need	NOUN
ajbmeb-3222	117	6	to	to	PART
ajbmeb-3222	117	7	follow	follow	VERB
ajbmeb-3222	117	8	the	the	DET
ajbmeb-3222	117	9	conditions	condition	NOUN
ajbmeb-3222	117	10	existing	exist	VERB
ajbmeb-3222	117	11	at	at	ADP
ajbmeb-3222	117	12	a	a	DET
ajbmeb-3222	117	13	certain	certain	ADJ
ajbmeb-3222	117	14	time	time	NOUN
ajbmeb-3222	117	15	when	when	SCONJ
ajbmeb-3222	117	16	choosing	choose	VERB
ajbmeb-3222	117	17	the	the	DET
ajbmeb-3222	117	18	necessary	necessary	ADJ
ajbmeb-3222	117	19	method	method	NOUN
ajbmeb-3222	117	20	of	of	ADP
ajbmeb-3222	117	21	risk	risk	NOUN
ajbmeb-3222	117	22	assessment	assessment	NOUN
ajbmeb-3222	117	23	,	,	PUNCT
ajbmeb-3222	117	24	which	which	PRON
ajbmeb-3222	117	25	allows	allow	VERB
ajbmeb-3222	117	26	the	the	DET
ajbmeb-3222	117	27	assessor	assessor	NOUN
ajbmeb-3222	117	28	to	to	PART
ajbmeb-3222	117	29	find	find	VERB
ajbmeb-3222	117	30	the	the	DET
ajbmeb-3222	117	31	most	most	ADV
ajbmeb-3222	117	32	relevant	relevant	ADJ
ajbmeb-3222	117	33	and	and	CCONJ
ajbmeb-3222	117	34	necessary	necessary	ADJ
ajbmeb-3222	117	35	information	information	NOUN
ajbmeb-3222	117	36	for	for	ADP
ajbmeb-3222	117	37	making	make	VERB
ajbmeb-3222	117	38	management	management	NOUN
ajbmeb-3222	117	39	decisions	decision	NOUN
ajbmeb-3222	117	40	.	.	PUNCT
ajbmeb-3222	118	1	references	reference	NOUN
ajbmeb-3222	118	2	1	1	NUM
ajbmeb-3222	118	3	.	.	PUNCT
ajbmeb-3222	119	1	law	law	NOUN
ajbmeb-3222	119	2	of	of	ADP
ajbmeb-3222	119	3	the	the	DET
ajbmeb-3222	119	4	republic	republic	NOUN
ajbmeb-3222	119	5	of	of	ADP
ajbmeb-3222	119	6	uzbekistan	uzbekistan	PROPN
ajbmeb-3222	119	7	"	"	PUNCT
ajbmeb-3222	119	8	on	on	ADP
ajbmeb-3222	119	9	evaluation	evaluation	NOUN
ajbmeb-3222	119	10	activities	activity	NOUN
ajbmeb-3222	119	11	"	"	PUNCT
ajbmeb-3222	119	12	no	no	NOUN
ajbmeb-3222	119	13	.	.	PROPN
ajbmeb-3222	119	14	811	811	NUM
ajbmeb-3222	119	15	2	2	NUM
ajbmeb-3222	119	16	.	.	PUNCT
ajbmeb-3222	120	1	law	law	NOUN
ajbmeb-3222	120	2	of	of	ADP
ajbmeb-3222	120	3	the	the	DET
ajbmeb-3222	120	4	republic	republic	NOUN
ajbmeb-3222	120	5	of	of	ADP
ajbmeb-3222	120	6	uzbekistan	uzbekistan	PROPN
ajbmeb-3222	120	7	dated	date	VERB
ajbmeb-3222	120	8	november	november	PROPN
ajbmeb-3222	120	9	23	23	NUM
ajbmeb-3222	120	10	,	,	PUNCT
ajbmeb-3222	120	11	2021	2021	NUM
ajbmeb-3222	120	12	no	no	NOUN
ajbmeb-3222	120	13	.	.	PROPN
ajbmeb-3222	121	1	730	730	NUM
ajbmeb-3222	121	2	"	"	PUNCT
ajbmeb-3222	121	3	on	on	ADP
ajbmeb-3222	121	4	insurance	insurance	NOUN
ajbmeb-3222	121	5	activities	activity	NOUN
ajbmeb-3222	121	6	"	"	PUNCT
ajbmeb-3222	121	7	.	.	PUNCT
ajbmeb-3222	122	1	3	3	X
ajbmeb-3222	122	2	.	.	X
ajbmeb-3222	122	3	order	order	NOUN
ajbmeb-3222	122	4	of	of	ADP
ajbmeb-3222	122	5	the	the	DET
ajbmeb-3222	122	6	director	director	NOUN
ajbmeb-3222	122	7	of	of	ADP
ajbmeb-3222	122	8	the	the	DET
ajbmeb-3222	122	9	state	state	NOUN
ajbmeb-3222	122	10	asset	asset	NOUN
ajbmeb-3222	122	11	management	management	NOUN
ajbmeb-3222	122	12	agency	agency	NOUN
ajbmeb-3222	122	13	of	of	ADP
ajbmeb-3222	122	14	the	the	DET
ajbmeb-3222	122	15	republic	republic	NOUN
ajbmeb-3222	122	16	of	of	ADP
ajbmeb-3222	122	17	uzbekistan	uzbekistan	PROPN
ajbmeb-3222	122	18	dated	date	VERB
ajbmeb-3222	122	19	may	may	PROPN
ajbmeb-3222	122	20	1	1	NUM
ajbmeb-3222	122	21	,	,	PUNCT
ajbmeb-3222	122	22	2020	2020	NUM
ajbmeb-3222	122	23	no	no	NOUN
ajbmeb-3222	122	24	.	.	PUNCT
ajbmeb-3222	123	1	01/11	01/11	NUM
ajbmeb-3222	123	2	-	-	SYM
ajbmeb-3222	123	3	15/62	15/62	NUM
ajbmeb-3222	123	4	"	"	PUNCT
ajbmeb-3222	123	5	on	on	ADP
ajbmeb-3222	123	6	approval	approval	NOUN
ajbmeb-3222	123	7	of	of	ADP
ajbmeb-3222	123	8	the	the	DET
ajbmeb-3222	123	9	unified	unified	ADJ
ajbmeb-3222	123	10	national	national	ADJ
ajbmeb-3222	123	11	valuation	valuation	PROPN
ajbmeb-3222	123	12	standard	standard	NOUN
ajbmeb-3222	123	13	of	of	ADP
ajbmeb-3222	123	14	the	the	DET
ajbmeb-3222	123	15	republic	republic	NOUN
ajbmeb-3222	123	16	of	of	ADP
ajbmeb-3222	123	17	uzbekistan	uzbekistan	PROPN
ajbmeb-3222	123	18	"	"	PUNCT
ajbmeb-3222	123	19	4	4	NUM
ajbmeb-3222	123	20	.	.	PUNCT
ajbmeb-3222	123	21	барабанова	барабанова	NOUN
ajbmeb-3222	123	22	в	в	PROPN
ajbmeb-3222	123	23	.	.	PROPN
ajbmeb-3222	123	24	,	,	PUNCT
ajbmeb-3222	123	25	совершенствование	совершенствование	PROPN
ajbmeb-3222	123	26	стандартов	стандартов	PROPN
ajbmeb-3222	123	27	оцеки	оцеки	PROPN
ajbmeb-3222	123	28	платежеспособности	платежеспособности	PROPN
ajbmeb-3222	123	29	страховщиков	страховщиков	NOUN
ajbmeb-3222	123	30	.	.	PUNCT
ajbmeb-3222	124	1	опыт	опыт	VERB
ajbmeb-3222	124	2	центрально	центрально	NOUN
ajbmeb-3222	124	3	-	-	PUNCT
ajbmeb-3222	124	4	восточной	восточной	NOUN
ajbmeb-3222	124	5	европы	европы	NOUN
ajbmeb-3222	124	6	.	.	PUNCT
ajbmeb-3222	125	1	страховое	страховое	NOUN
ajbmeb-3222	125	2	дело	дело	PROPN
ajbmeb-3222	125	3	.	.	PUNCT
ajbmeb-3222	126	1	–	–	PUNCT
ajbmeb-3222	126	2	2019	2019	NUM
ajbmeb-3222	126	3	.	.	PUNCT
ajbmeb-3222	127	1	№	№	ADP
ajbmeb-3222	127	2	1	1	NUM
ajbmeb-3222	127	3	5	5	NUM
ajbmeb-3222	127	4	.	.	PUNCT
ajbmeb-3222	127	5	глотова	глотова	VERB
ajbmeb-3222	127	6	и	и	PROPN
ajbmeb-3222	127	7	.	.	PROPN
ajbmeb-3222	127	8	,	,	PUNCT
ajbmeb-3222	127	9	томилина	томилина	ADP
ajbmeb-3222	127	10	е	е	PRON
ajbmeb-3222	127	11	.	.	PUNCT
ajbmeb-3222	128	1	современные	современные	PROPN
ajbmeb-3222	128	2	методики	методики	ADJ
ajbmeb-3222	128	3	оценки	оценки	ADJ
ajbmeb-3222	128	4	рисков	рисков	NOUN
ajbmeb-3222	128	5	страховых	страховых	NOUN
ajbmeb-3222	128	6	организаций	организаций	PROPN
ajbmeb-3222	128	7	.	.	PUNCT
ajbmeb-3222	129	1	“	"	PUNCT
ajbmeb-3222	129	2	кант	кант	PROPN
ajbmeb-3222	129	3	”	"	PUNCT
ajbmeb-3222	129	4	научный	научный	NOUN
ajbmeb-3222	129	5	рецензируемый	рецензируемый	NOUN
ajbmeb-3222	129	6	журнал	журнал	NOUN
ajbmeb-3222	129	7	.	.	PUNCT
ajbmeb-3222	130	1	2020	2020	NUM
ajbmeb-3222	131	1	г	г	PROPN
ajbmeb-3222	131	2	.	.	PROPN
ajbmeb-3222	131	3	№	№	ADP
ajbmeb-3222	131	4	4	4	NUM
ajbmeb-3222	131	5	.	.	NOUN
ajbmeb-3222	131	6	6	6	NUM
ajbmeb-3222	131	7	.	.	X
ajbmeb-3222	132	1	ромащенко	ромащенко	PROPN
ajbmeb-3222	132	2	б	б	PROPN
ajbmeb-3222	132	3	.	.	PUNCT
ajbmeb-3222	133	1	финансовые	финансовые	PROPN
ajbmeb-3222	133	2	риски	риски	PROPN
ajbmeb-3222	133	3	и	и	PROPN
ajbmeb-3222	133	4	методы	методы	X
ajbmeb-3222	133	5	их	их	PROPN
ajbmeb-3222	133	6	оценки	оценки	PROPN
ajbmeb-3222	133	7	.	.	PUNCT
ajbmeb-3222	134	1	кант	кант	PROPN
ajbmeb-3222	134	2	научный	научный	PROPN
ajbmeb-3222	134	3	рецензируемый	рецензируемый	NOUN
ajbmeb-3222	134	4	журнал	журнал	NOUN
ajbmeb-3222	134	5	2014	2014	NUM
ajbmeb-3222	134	6	г	г	NOUN
ajbmeb-3222	134	7	.	.	PROPN
ajbmeb-3222	134	8	№	№	ADP
ajbmeb-3222	134	9	2	2	NUM
ajbmeb-3222	134	10	.	.	NOUN
ajbmeb-3222	134	11	7	7	NUM
ajbmeb-3222	134	12	.	.	X
ajbmeb-3222	134	13	han	han	PROPN
ajbmeb-3222	134	14	hai	hai	PROPN
ajbmeb-3222	134	15	-	-	PUNCT
ajbmeb-3222	134	16	yun	yun	PROPN
ajbmeb-3222	134	17	.	.	PUNCT
ajbmeb-3222	135	1	research	research	NOUN
ajbmeb-3222	135	2	on	on	ADP
ajbmeb-3222	135	3	standardization	standardization	NOUN
ajbmeb-3222	135	4	method	method	NOUN
ajbmeb-3222	135	5	of	of	ADP
ajbmeb-3222	135	6	risk	risk	NOUN
ajbmeb-3222	135	7	assessment	assessment	NOUN
ajbmeb-3222	135	8	for	for	ADP
ajbmeb-3222	135	9	fire	fire	NOUN
ajbmeb-3222	135	10	public	public	ADJ
ajbmeb-3222	135	11	liability	liability	NOUN
ajbmeb-3222	135	12	insurance	insurance	NOUN
ajbmeb-3222	135	13	in	in	ADP
ajbmeb-3222	135	14	assembly	assembly	NOUN
ajbmeb-3222	135	15	occupancies	occupancy	NOUN
ajbmeb-3222	135	16	and	and	CCONJ
ajbmeb-3222	135	17	underwriting	underwriting	NOUN
ajbmeb-3222	135	18	auditing	auditing	NOUN
ajbmeb-3222	135	19	.	.	PUNCT
ajbmeb-3222	136	1	the	the	DET
ajbmeb-3222	136	2	5th	5th	ADJ
ajbmeb-3222	136	3	conference	conference	NOUN
ajbmeb-3222	136	4	on	on	ADP
ajbmeb-3222	136	5	american	american	PROPN
ajbmeb-3222	136	6	journal	journal	PROPN
ajbmeb-3222	136	7	of	of	ADP
ajbmeb-3222	136	8	business	business	NOUN
ajbmeb-3222	136	9	management	management	NOUN
ajbmeb-3222	136	10	,	,	PUNCT
ajbmeb-3222	136	11	economics	economic	NOUN
ajbmeb-3222	136	12	and	and	CCONJ
ajbmeb-3222	136	13	banking	banking	NOUN
ajbmeb-3222	136	14	volume	volume	NOUN
ajbmeb-3222	136	15	43	43	NUM
ajbmeb-3222	137	1	december2025	december2025	PROPN
ajbmeb-3222	137	2	p	p	PROPN
ajbmeb-3222	137	3	a	a	DET
ajbmeb-3222	137	4	g	g	NOUN
ajbmeb-3222	137	5	e	e	NOUN
ajbmeb-3222	137	6	|	|	ADV
ajbmeb-3222	137	7	63	63	NUM
ajbmeb-3222	137	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3222	137	9	performance	performance	NOUN
ajbmeb-3222	137	10	-	-	PUNCT
ajbmeb-3222	137	11	based	base	VERB
ajbmeb-3222	137	12	fire	fire	NOUN
ajbmeb-3222	137	13	and	and	CCONJ
ajbmeb-3222	137	14	fire	fire	NOUN
ajbmeb-3222	137	15	protection	protection	NOUN
ajbmeb-3222	137	16	engineering	engineering	NOUN
ajbmeb-3222	137	17	.	.	PUNCT
ajbmeb-3222	138	1	procedia	procedia	PROPN
ajbmeb-3222	138	2	engineering	engineering	NOUN
ajbmeb-3222	138	3	11	11	NUM
ajbmeb-3222	138	4	(	(	PUNCT
ajbmeb-3222	138	5	2011	2011	NUM
ajbmeb-3222	138	6	)	)	PUNCT
ajbmeb-3222	138	7	120	120	NUM
ajbmeb-3222	138	8	–	–	PUNCT
ajbmeb-3222	138	9	126	126	NUM
ajbmeb-3222	138	10	.	.	PUNCT
ajbmeb-3222	139	1	https://www.sciencedirect.com/science/article/pii/s1877705811008241	https://www.sciencedirect.com/science/article/pii/s1877705811008241	X
ajbmeb-3222	139	2	8	8	NUM
ajbmeb-3222	139	3	.	.	PUNCT
ajbmeb-3222	140	1	shuo	shuo	PROPN
ajbmeb-3222	140	2	chen	chen	PROPN
ajbmeb-3222	140	3	,	,	PUNCT
ajbmeb-3222	140	4	zhuoer	zhuoer	PROPN
ajbmeb-3222	140	5	lin	lin	PROPN
ajbmeb-3222	140	6	,	,	PUNCT
ajbmeb-3222	140	7	xuanyi	xuanyi	PROPN
ajbmeb-3222	140	8	wang	wang	PROPN
ajbmeb-3222	140	9	,	,	PUNCT
ajbmeb-3222	140	10	xian	xian	PROPN
ajbmeb-3222	140	11	xu	xu	PROPN
ajbmeb-3222	140	12	.	.	PUNCT
ajbmeb-3222	141	1	pandemic	pandemic	ADJ
ajbmeb-3222	141	2	and	and	CCONJ
ajbmeb-3222	141	3	insurance	insurance	NOUN
ajbmeb-3222	141	4	purchase	purchase	NOUN
ajbmeb-3222	141	5	:	:	PUNCT
ajbmeb-3222	141	6	how	how	SCONJ
ajbmeb-3222	141	7	do	do	AUX
ajbmeb-3222	141	8	people	people	NOUN
ajbmeb-3222	141	9	respond	respond	VERB
ajbmeb-3222	141	10	to	to	ADP
ajbmeb-3222	141	11	unprecedented	unprecedented	ADJ
ajbmeb-3222	141	12	risk	risk	NOUN
ajbmeb-3222	141	13	and	and	CCONJ
ajbmeb-3222	141	14	uncertainty	uncertainty	NOUN
ajbmeb-3222	141	15	?	?	PUNCT
ajbmeb-3222	142	1	china	china	PROPN
ajbmeb-3222	142	2	economic	economic	PROPN
ajbmeb-3222	142	3	review	review	PROPN
ajbmeb-3222	142	4	.	.	PUNCT
ajbmeb-3222	143	1	volume	volume	NOUN
ajbmeb-3222	143	2	79	79	NUM
ajbmeb-3222	143	3	,	,	PUNCT
ajbmeb-3222	143	4	june	june	PROPN
ajbmeb-3222	143	5	2023	2023	NUM
ajbmeb-3222	143	6	,	,	PUNCT
ajbmeb-3222	143	7	101946	101946	NUM
ajbmeb-3222	143	8	.	.	PUNCT
ajbmeb-3222	144	1	https://www.sciencedirect.com/science/article/abs/pii/s1043951x23000317	https://www.sciencedirect.com/science/article/abs/pii/s1043951x23000317	VERB
ajbmeb-3222	144	2	9	9	NUM
ajbmeb-3222	144	3	.	.	PUNCT
ajbmeb-3222	145	1	баймуратова	баймуратова	NOUN
ajbmeb-3222	145	2	г.т	г.т	PROPN
ajbmeb-3222	145	3	.	.	PROPN
ajbmeb-3222	145	4	о	о	PROPN
ajbmeb-3222	145	5	некоторых	некоторых	NOUN
ajbmeb-3222	145	6	вопросах	вопросах	NOUN
ajbmeb-3222	145	7	оценки	оценки	ADP
ajbmeb-3222	145	8	финансовых	финансовых	ADJ
ajbmeb-3222	145	9	рисков	рисков	NOUN
ajbmeb-3222	145	10	страховых	страховых	NOUN
ajbmeb-3222	145	11	организаций	организаций	PROPN
ajbmeb-3222	145	12	.	.	PUNCT
ajbmeb-3222	146	1	international	international	ADJ
ajbmeb-3222	146	2	finance	finance	NOUN
ajbmeb-3222	146	3	and	and	CCONJ
ajbmeb-3222	146	4	accounting	accounting	NOUN
ajbmeb-3222	146	5	.	.	PUNCT
ajbmeb-3222	147	1	issue	issue	NOUN
ajbmeb-3222	147	2	2	2	NUM
ajbmeb-3222	147	3	,	,	PUNCT
ajbmeb-3222	147	4	2020	2020	NUM
ajbmeb-3222	147	5	1	1	NUM
ajbmeb-3222	147	6	-	-	SYM
ajbmeb-3222	147	7	14	14	NUM
ajbmeb-3222	147	8	стр	стр	NOUN
ajbmeb-3222	147	9	.	.	PUNCT
ajbmeb-3222	148	1	10	10	NUM
ajbmeb-3222	148	2	.	.	PUNCT
ajbmeb-3222	149	1	https://www.lex.uz	https://www.lex.uz	NUM
ajbmeb-3222	149	2	11	11	NUM
ajbmeb-3222	149	3	.	.	PUNCT
ajbmeb-3222	150	1	https://imda.uz/oz	https://imda.uz/oz	NOUN
ajbmeb-3222	150	2	12	12	NUM
ajbmeb-3222	150	3	.	.	PUNCT
ajbmeb-3222	151	1	https://reso.ru/	https://reso.ru/	PROPN
ajbmeb-3222	151	2	https://www.sciencedirect.com/science/article/abs/pii/s1043951x23000317	https://www.sciencedirect.com/science/article/abs/pii/s1043951x23000317	VERB
ajbmeb-3222	151	3	https://www.lex.uz/	https://www.lex.uz/	ADJ
ajbmeb-3222	151	4	https://imda.uz/oz	https://imda.uz/oz	NOUN
ajbmeb-3222	151	5	https://reso.ru/	https://reso.ru/	PROPN