id	sid	tid	token	lemma	pos
ajbmeb-659	1	1	american	american	PROPN
ajbmeb-659	1	2	journal	journal	PROPN
ajbmeb-659	1	3	of	of	ADP
ajbmeb-659	1	4	business	business	NOUN
ajbmeb-659	1	5	management	management	NOUN
ajbmeb-659	1	6	,	,	PUNCT
ajbmeb-659	1	7	economics	economic	NOUN
ajbmeb-659	1	8	and	and	CCONJ
ajbmeb-659	1	9	banking	banking	NOUN
ajbmeb-659	1	10	issn	issn	PROPN
ajbmeb-659	1	11	(	(	PUNCT
ajbmeb-659	1	12	e	e	NOUN
ajbmeb-659	1	13	):	):	PUNCT
ajbmeb-659	1	14	2832	2832	NUM
ajbmeb-659	1	15	-	-	SYM
ajbmeb-659	1	16	8078	8078	NUM
ajbmeb-659	1	17	volume	volume	NOUN
ajbmeb-659	1	18	11	11	NUM
ajbmeb-659	1	19	,	,	PUNCT
ajbmeb-659	1	20	|	|	ADV
ajbmeb-659	1	21	april	april	PROPN
ajbmeb-659	1	22	,	,	PUNCT
ajbmeb-659	1	23	2023	2023	NUM
ajbmeb-659	1	24	p	p	NOUN
ajbmeb-659	1	25	a	a	DET
ajbmeb-659	1	26	g	g	NOUN
ajbmeb-659	1	27	e	e	PROPN
ajbmeb-659	1	28	|	|	ADV
ajbmeb-659	1	29	89	89	NUM
ajbmeb-659	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-659	1	31	importance	importance	NOUN
ajbmeb-659	1	32	of	of	ADP
ajbmeb-659	1	33	early	early	ADJ
ajbmeb-659	1	34	warning	warning	NOUN
ajbmeb-659	1	35	systems	system	NOUN
ajbmeb-659	1	36	in	in	ADP
ajbmeb-659	1	37	identifying	identify	VERB
ajbmeb-659	1	38	risk	risk	NOUN
ajbmeb-659	1	39	khudoyberdiyev	khudoyberdiyev	PROPN
ajbmeb-659	1	40	javharbek	javharbek	PROPN
ajbmeb-659	1	41	master	master	PROPN
ajbmeb-659	1	42	’s	’s	PART
ajbmeb-659	1	43	student	student	NOUN
ajbmeb-659	1	44	of	of	ADP
ajbmeb-659	1	45	tashkent	tashkent	PROPN
ajbmeb-659	1	46	institute	institute	PROPN
ajbmeb-659	1	47	of	of	ADP
ajbmeb-659	1	48	finance	finance	PROPN
ajbmeb-659	1	49	,	,	PUNCT
ajbmeb-659	1	50	tashkent	tashkent	PROPN
ajbmeb-659	1	51	city	city	PROPN
ajbmeb-659	1	52	,	,	PUNCT
ajbmeb-659	1	53	uzbekistan	uzbekistan	PROPN
ajbmeb-659	1	54	.	.	PUNCT
ajbmeb-659	2	1	e	e	X
ajbmeb-659	2	2	-	-	NOUN
ajbmeb-659	2	3	mail	mail	NOUN
ajbmeb-659	2	4	:	:	PUNCT
ajbmeb-659	2	5	javharjavhar98@gmail.ru	javharjavhar98@gmail.ru	PROPN
ajbmeb-659	2	6	izbosarov	izbosarov	ADJ
ajbmeb-659	2	7	boburjon	boburjon	NOUN
ajbmeb-659	2	8	phd	phd	PROPN
ajbmeb-659	2	9	,	,	PUNCT
ajbmeb-659	2	10	associate	associate	NOUN
ajbmeb-659	2	11	professor	professor	NOUN
ajbmeb-659	2	12	,	,	PUNCT
ajbmeb-659	2	13	tashkent	tashkent	PROPN
ajbmeb-659	2	14	institute	institute	PROPN
ajbmeb-659	2	15	of	of	ADP
ajbmeb-659	2	16	finance	finance	PROPN
ajbmeb-659	2	17	tashkent	tashkent	PROPN
ajbmeb-659	2	18	city	city	PROPN
ajbmeb-659	2	19	,	,	PUNCT
ajbmeb-659	2	20	uzbekistan	uzbekistan	PROPN
ajbmeb-659	2	21	a	a	DET
ajbmeb-659	2	22	b	b	PROPN
ajbmeb-659	2	23	s	s	ADP
ajbmeb-659	2	24	t	t	PROPN
ajbmeb-659	2	25	r	r	NOUN
ajbmeb-659	2	26	a	a	DET
ajbmeb-659	2	27	c	c	NOUN
ajbmeb-659	2	28	t	t	NOUN
ajbmeb-659	2	29	k	k	X
ajbmeb-659	2	30	e	e	PROPN
ajbmeb-659	2	31	y	y	PROPN
ajbmeb-659	2	32	w	w	NOUN
ajbmeb-659	3	1	o	o	NOUN
ajbmeb-659	3	2	r	r	NOUN
ajbmeb-659	3	3	d	d	NOUN
ajbmeb-659	3	4	s	s	VERB
ajbmeb-659	3	5	the	the	DET
ajbmeb-659	3	6	article	article	NOUN
ajbmeb-659	3	7	provides	provide	VERB
ajbmeb-659	3	8	information	information	NOUN
ajbmeb-659	3	9	on	on	ADP
ajbmeb-659	3	10	the	the	DET
ajbmeb-659	3	11	importance	importance	NOUN
ajbmeb-659	3	12	of	of	ADP
ajbmeb-659	3	13	early	early	ADJ
ajbmeb-659	3	14	warning	warning	NOUN
ajbmeb-659	3	15	systems	system	NOUN
ajbmeb-659	3	16	for	for	ADP
ajbmeb-659	3	17	identifying	identify	VERB
ajbmeb-659	3	18	risks	risk	NOUN
ajbmeb-659	3	19	in	in	ADP
ajbmeb-659	3	20	commercial	commercial	ADJ
ajbmeb-659	3	21	banks	bank	NOUN
ajbmeb-659	3	22	of	of	ADP
ajbmeb-659	3	23	the	the	DET
ajbmeb-659	3	24	republic	republic	NOUN
ajbmeb-659	3	25	of	of	ADP
ajbmeb-659	3	26	uzbekistan	uzbekistan	PROPN
ajbmeb-659	3	27	,	,	PUNCT
ajbmeb-659	3	28	as	as	ADV
ajbmeb-659	3	29	well	well	ADV
ajbmeb-659	3	30	as	as	ADP
ajbmeb-659	3	31	what	what	PRON
ajbmeb-659	3	32	early	early	ADJ
ajbmeb-659	3	33	warning	warning	NOUN
ajbmeb-659	3	34	indicators	indicator	NOUN
ajbmeb-659	3	35	can	can	AUX
ajbmeb-659	3	36	be	be	AUX
ajbmeb-659	3	37	used	use	VERB
ajbmeb-659	3	38	,	,	PUNCT
ajbmeb-659	3	39	types	type	NOUN
ajbmeb-659	3	40	of	of	ADP
ajbmeb-659	3	41	risks	risk	NOUN
ajbmeb-659	3	42	,	,	PUNCT
ajbmeb-659	3	43	their	their	PRON
ajbmeb-659	3	44	classification	classification	NOUN
ajbmeb-659	3	45	,	,	PUNCT
ajbmeb-659	3	46	theoretical	theoretical	ADJ
ajbmeb-659	3	47	mechanisms	mechanism	NOUN
ajbmeb-659	3	48	for	for	ADP
ajbmeb-659	3	49	their	their	PRON
ajbmeb-659	3	50	assessment	assessment	NOUN
ajbmeb-659	3	51	and	and	CCONJ
ajbmeb-659	3	52	minimization	minimization	NOUN
ajbmeb-659	3	53	in	in	ADP
ajbmeb-659	3	54	the	the	DET
ajbmeb-659	3	55	field	field	NOUN
ajbmeb-659	3	56	of	of	ADP
ajbmeb-659	3	57	investment	investment	NOUN
ajbmeb-659	3	58	and	and	CCONJ
ajbmeb-659	3	59	business	business	NOUN
ajbmeb-659	3	60	are	be	AUX
ajbmeb-659	3	61	presented	present	VERB
ajbmeb-659	3	62	.	.	PUNCT
ajbmeb-659	4	1	also	also	ADV
ajbmeb-659	4	2	,	,	PUNCT
ajbmeb-659	4	3	this	this	DET
ajbmeb-659	4	4	article	article	NOUN
ajbmeb-659	4	5	presents	present	VERB
ajbmeb-659	4	6	the	the	DET
ajbmeb-659	4	7	opinions	opinion	NOUN
ajbmeb-659	4	8	of	of	ADP
ajbmeb-659	4	9	foreign	foreign	ADJ
ajbmeb-659	4	10	and	and	CCONJ
ajbmeb-659	4	11	domestic	domestic	ADJ
ajbmeb-659	4	12	scientists	scientist	NOUN
ajbmeb-659	4	13	about	about	ADP
ajbmeb-659	4	14	the	the	DET
ajbmeb-659	4	15	risks	risk	NOUN
ajbmeb-659	4	16	.	.	PUNCT
ajbmeb-659	5	1	early	early	ADJ
ajbmeb-659	5	2	warning	warning	NOUN
ajbmeb-659	5	3	system	system	NOUN
ajbmeb-659	5	4	,	,	PUNCT
ajbmeb-659	5	5	early	early	ADJ
ajbmeb-659	5	6	warning	warning	NOUN
ajbmeb-659	5	7	indicator	indicator	NOUN
ajbmeb-659	5	8	,	,	PUNCT
ajbmeb-659	5	9	risk	risk	NOUN
ajbmeb-659	5	10	,	,	PUNCT
ajbmeb-659	5	11	credit	credit	NOUN
ajbmeb-659	5	12	risk	risk	NOUN
ajbmeb-659	5	13	,	,	PUNCT
ajbmeb-659	5	14	risk	risk	NOUN
ajbmeb-659	5	15	management	management	NOUN
ajbmeb-659	5	16	strategy	strategy	NOUN
ajbmeb-659	5	17	.	.	PUNCT
ajbmeb-659	6	1	introduction	introduction	NOUN
ajbmeb-659	6	2	an	an	DET
ajbmeb-659	6	3	early	early	ADJ
ajbmeb-659	6	4	warning	warning	NOUN
ajbmeb-659	6	5	system	system	NOUN
ajbmeb-659	6	6	is	be	AUX
ajbmeb-659	6	7	a	a	DET
ajbmeb-659	6	8	system	system	NOUN
ajbmeb-659	6	9	designed	design	VERB
ajbmeb-659	6	10	to	to	PART
ajbmeb-659	6	11	identify	identify	VERB
ajbmeb-659	6	12	and	and	CCONJ
ajbmeb-659	6	13	warn	warn	VERB
ajbmeb-659	6	14	people	people	NOUN
ajbmeb-659	6	15	before	before	SCONJ
ajbmeb-659	6	16	a	a	DET
ajbmeb-659	6	17	potential	potential	ADJ
ajbmeb-659	6	18	hazard	hazard	NOUN
ajbmeb-659	6	19	or	or	CCONJ
ajbmeb-659	6	20	disaster	disaster	NOUN
ajbmeb-659	6	21	occurs	occur	VERB
ajbmeb-659	6	22	.	.	PUNCT
ajbmeb-659	7	1	these	these	DET
ajbmeb-659	7	2	systems	system	NOUN
ajbmeb-659	7	3	use	use	VERB
ajbmeb-659	7	4	various	various	ADJ
ajbmeb-659	7	5	technologies	technology	NOUN
ajbmeb-659	7	6	and	and	CCONJ
ajbmeb-659	7	7	methods	method	NOUN
ajbmeb-659	7	8	to	to	PART
ajbmeb-659	7	9	monitor	monitor	VERB
ajbmeb-659	7	10	and	and	CCONJ
ajbmeb-659	7	11	analyze	analyze	VERB
ajbmeb-659	7	12	data	datum	NOUN
ajbmeb-659	7	13	related	relate	VERB
ajbmeb-659	7	14	to	to	ADP
ajbmeb-659	7	15	potential	potential	ADJ
ajbmeb-659	7	16	risks	risk	NOUN
ajbmeb-659	7	17	such	such	ADJ
ajbmeb-659	7	18	as	as	ADP
ajbmeb-659	7	19	natural	natural	ADJ
ajbmeb-659	7	20	disasters	disaster	NOUN
ajbmeb-659	7	21	,	,	PUNCT
ajbmeb-659	7	22	industrial	industrial	ADJ
ajbmeb-659	7	23	accidents	accident	NOUN
ajbmeb-659	7	24	or	or	CCONJ
ajbmeb-659	7	25	terrorist	terrorist	NOUN
ajbmeb-659	7	26	attacks	attack	NOUN
ajbmeb-659	7	27	.	.	PUNCT
ajbmeb-659	8	1	early	early	ADJ
ajbmeb-659	8	2	warning	warning	NOUN
ajbmeb-659	8	3	systems	system	NOUN
ajbmeb-659	8	4	can	can	AUX
ajbmeb-659	8	5	provide	provide	VERB
ajbmeb-659	8	6	critical	critical	ADJ
ajbmeb-659	8	7	information	information	NOUN
ajbmeb-659	8	8	to	to	ADP
ajbmeb-659	8	9	emergency	emergency	NOUN
ajbmeb-659	8	10	responders	responder	NOUN
ajbmeb-659	8	11	,	,	PUNCT
ajbmeb-659	8	12	government	government	NOUN
ajbmeb-659	8	13	officials	official	NOUN
ajbmeb-659	8	14	,	,	PUNCT
ajbmeb-659	8	15	and	and	CCONJ
ajbmeb-659	8	16	the	the	DET
ajbmeb-659	8	17	public	public	NOUN
ajbmeb-659	8	18	,	,	PUNCT
ajbmeb-659	8	19	enabling	enable	VERB
ajbmeb-659	8	20	them	they	PRON
ajbmeb-659	8	21	to	to	PART
ajbmeb-659	8	22	take	take	VERB
ajbmeb-659	8	23	appropriate	appropriate	ADJ
ajbmeb-659	8	24	actions	action	NOUN
ajbmeb-659	8	25	to	to	PART
ajbmeb-659	8	26	mitigate	mitigate	VERB
ajbmeb-659	8	27	or	or	CCONJ
ajbmeb-659	8	28	prevent	prevent	VERB
ajbmeb-659	8	29	the	the	DET
ajbmeb-659	8	30	effects	effect	NOUN
ajbmeb-659	8	31	of	of	ADP
ajbmeb-659	8	32	a	a	DET
ajbmeb-659	8	33	disaster	disaster	NOUN
ajbmeb-659	8	34	.	.	PUNCT
ajbmeb-659	9	1	examples	example	NOUN
ajbmeb-659	9	2	of	of	ADP
ajbmeb-659	9	3	early	early	ADJ
ajbmeb-659	9	4	warning	warning	NOUN
ajbmeb-659	9	5	systems	system	NOUN
ajbmeb-659	9	6	include	include	VERB
ajbmeb-659	9	7	tsunami	tsunami	NOUN
ajbmeb-659	9	8	warning	warn	VERB
ajbmeb-659	9	9	systems	system	NOUN
ajbmeb-659	9	10	,	,	PUNCT
ajbmeb-659	9	11	earthquake	earthquake	NOUN
ajbmeb-659	9	12	early	early	ADJ
ajbmeb-659	9	13	warning	warning	NOUN
ajbmeb-659	9	14	systems	system	NOUN
ajbmeb-659	9	15	,	,	PUNCT
ajbmeb-659	9	16	and	and	CCONJ
ajbmeb-659	9	17	severe	severe	ADJ
ajbmeb-659	9	18	weather	weather	NOUN
ajbmeb-659	9	19	warning	warning	NOUN
ajbmeb-659	9	20	systems	system	NOUN
ajbmeb-659	9	21	.	.	PUNCT
ajbmeb-659	10	1	an	an	DET
ajbmeb-659	10	2	early	early	ADJ
ajbmeb-659	10	3	warning	warning	NOUN
ajbmeb-659	10	4	system	system	NOUN
ajbmeb-659	10	5	in	in	ADP
ajbmeb-659	10	6	banks	bank	NOUN
ajbmeb-659	10	7	is	be	AUX
ajbmeb-659	10	8	a	a	DET
ajbmeb-659	10	9	risk	risk	NOUN
ajbmeb-659	10	10	management	management	NOUN
ajbmeb-659	10	11	tool	tool	NOUN
ajbmeb-659	10	12	that	that	PRON
ajbmeb-659	10	13	helps	helps	AUX
ajbmeb-659	10	14	identify	identify	VERB
ajbmeb-659	10	15	potential	potential	ADJ
ajbmeb-659	10	16	credit	credit	NOUN
ajbmeb-659	10	17	risks	risk	NOUN
ajbmeb-659	10	18	and	and	CCONJ
ajbmeb-659	10	19	borrowers	borrower	NOUN
ajbmeb-659	10	20	financial	financial	ADJ
ajbmeb-659	10	21	difficulties	difficulty	NOUN
ajbmeb-659	10	22	at	at	ADP
ajbmeb-659	10	23	an	an	DET
ajbmeb-659	10	24	early	early	ADJ
ajbmeb-659	10	25	stage	stage	NOUN
ajbmeb-659	10	26	.	.	PUNCT
ajbmeb-659	11	1	these	these	DET
ajbmeb-659	11	2	systems	system	NOUN
ajbmeb-659	11	3	use	use	VERB
ajbmeb-659	11	4	a	a	DET
ajbmeb-659	11	5	variety	variety	NOUN
ajbmeb-659	11	6	of	of	ADP
ajbmeb-659	11	7	data	datum	NOUN
ajbmeb-659	11	8	sources	source	NOUN
ajbmeb-659	11	9	,	,	PUNCT
ajbmeb-659	11	10	such	such	ADJ
ajbmeb-659	11	11	as	as	ADP
ajbmeb-659	11	12	financial	financial	ADJ
ajbmeb-659	11	13	statements	statement	NOUN
ajbmeb-659	11	14	,	,	PUNCT
ajbmeb-659	11	15	credit	credit	NOUN
ajbmeb-659	11	16	reports	report	NOUN
ajbmeb-659	11	17	,	,	PUNCT
ajbmeb-659	11	18	and	and	CCONJ
ajbmeb-659	11	19	market	market	NOUN
ajbmeb-659	11	20	data	datum	NOUN
ajbmeb-659	11	21	,	,	PUNCT
ajbmeb-659	11	22	to	to	PART
ajbmeb-659	11	23	analyze	analyze	VERB
ajbmeb-659	11	24	borrowers	borrower	NOUN
ajbmeb-659	11	25	financial	financial	ADJ
ajbmeb-659	11	26	health	health	NOUN
ajbmeb-659	11	27	and	and	CCONJ
ajbmeb-659	11	28	identify	identify	VERB
ajbmeb-659	11	29	signs	sign	NOUN
ajbmeb-659	11	30	of	of	ADP
ajbmeb-659	11	31	financial	financial	ADJ
ajbmeb-659	11	32	distress	distress	NOUN
ajbmeb-659	11	33	.	.	PUNCT
ajbmeb-659	12	1	early	early	ADJ
ajbmeb-659	12	2	warning	warning	NOUN
ajbmeb-659	12	3	systems	system	NOUN
ajbmeb-659	12	4	in	in	ADP
ajbmeb-659	12	5	banks	bank	NOUN
ajbmeb-659	12	6	typically	typically	ADV
ajbmeb-659	12	7	use	use	VERB
ajbmeb-659	12	8	quantitative	quantitative	ADJ
ajbmeb-659	12	9	models	model	NOUN
ajbmeb-659	12	10	to	to	PART
ajbmeb-659	12	11	assess	assess	VERB
ajbmeb-659	12	12	the	the	DET
ajbmeb-659	12	13	risk	risk	NOUN
ajbmeb-659	12	14	of	of	ADP
ajbmeb-659	12	15	default	default	NOUN
ajbmeb-659	12	16	.	.	PUNCT
ajbmeb-659	13	1	the	the	DET
ajbmeb-659	13	2	models	model	NOUN
ajbmeb-659	13	3	use	use	VERB
ajbmeb-659	13	4	various	various	ADJ
ajbmeb-659	13	5	financial	financial	ADJ
ajbmeb-659	13	6	indicators	indicator	NOUN
ajbmeb-659	13	7	,	,	PUNCT
ajbmeb-659	13	8	such	such	ADJ
ajbmeb-659	13	9	as	as	ADP
ajbmeb-659	13	10	debt	debt	NOUN
ajbmeb-659	13	11	-	-	PUNCT
ajbmeb-659	13	12	to	to	ADP
ajbmeb-659	13	13	-	-	PUNCT
ajbmeb-659	13	14	equity	equity	NOUN
ajbmeb-659	13	15	ratio	ratio	NOUN
ajbmeb-659	13	16	,	,	PUNCT
ajbmeb-659	13	17	liquidity	liquidity	NOUN
ajbmeb-659	13	18	ratio	ratio	NOUN
ajbmeb-659	13	19	and	and	CCONJ
ajbmeb-659	13	20	profitability	profitability	NOUN
ajbmeb-659	13	21	ratio	ratio	NOUN
ajbmeb-659	13	22	,	,	PUNCT
ajbmeb-659	13	23	to	to	PART
ajbmeb-659	13	24	assess	assess	VERB
ajbmeb-659	13	25	the	the	DET
ajbmeb-659	13	26	financial	financial	ADJ
ajbmeb-659	13	27	condition	condition	NOUN
ajbmeb-659	13	28	of	of	ADP
ajbmeb-659	13	29	borrowers	borrower	NOUN
ajbmeb-659	13	30	.	.	PUNCT
ajbmeb-659	14	1	the	the	DET
ajbmeb-659	14	2	models	model	NOUN
ajbmeb-659	14	3	also	also	ADV
ajbmeb-659	14	4	take	take	VERB
ajbmeb-659	14	5	into	into	ADP
ajbmeb-659	14	6	account	account	NOUN
ajbmeb-659	14	7	other	other	ADJ
ajbmeb-659	14	8	factors	factor	NOUN
ajbmeb-659	14	9	such	such	ADJ
ajbmeb-659	14	10	as	as	ADP
ajbmeb-659	14	11	industry	industry	NOUN
ajbmeb-659	14	12	trends	trend	NOUN
ajbmeb-659	14	13	,	,	PUNCT
ajbmeb-659	14	14	economic	economic	ADJ
ajbmeb-659	14	15	conditions	condition	NOUN
ajbmeb-659	14	16	and	and	CCONJ
ajbmeb-659	14	17	borrower	borrower	NOUN
ajbmeb-659	14	18	behavior	behavior	NOUN
ajbmeb-659	14	19	to	to	PART
ajbmeb-659	14	20	provide	provide	VERB
ajbmeb-659	14	21	a	a	DET
ajbmeb-659	14	22	comprehensive	comprehensive	ADJ
ajbmeb-659	14	23	risk	risk	NOUN
ajbmeb-659	14	24	assessment	assessment	NOUN
ajbmeb-659	14	25	.	.	PUNCT
ajbmeb-659	15	1	american	american	ADJ
ajbmeb-659	15	2	journal	journal	PROPN
ajbmeb-659	15	3	of	of	ADP
ajbmeb-659	15	4	business	business	NOUN
ajbmeb-659	15	5	management	management	NOUN
ajbmeb-659	15	6	,	,	PUNCT
ajbmeb-659	15	7	economics	economic	NOUN
ajbmeb-659	15	8	and	and	CCONJ
ajbmeb-659	15	9	banking	banking	NOUN
ajbmeb-659	15	10	volume	volume	NOUN
ajbmeb-659	15	11	11	11	NUM
ajbmeb-659	15	12	april	april	PROPN
ajbmeb-659	15	13	,	,	PUNCT
ajbmeb-659	15	14	2023	2023	NUM
ajbmeb-659	15	15	p	p	NOUN
ajbmeb-659	15	16	a	a	DET
ajbmeb-659	15	17	g	g	NOUN
ajbmeb-659	15	18	e	e	NOUN
ajbmeb-659	15	19	|	|	ADV
ajbmeb-659	15	20	90	90	NUM
ajbmeb-659	15	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-659	15	22	2	2	NUM
ajbmeb-659	15	23	.	.	PUNCT
ajbmeb-659	15	24	literature	literature	NOUN
ajbmeb-659	15	25	review	review	PROPN
ajbmeb-659	15	26	risk	risk	NOUN
ajbmeb-659	15	27	management	management	NOUN
ajbmeb-659	15	28	can	can	AUX
ajbmeb-659	15	29	be	be	AUX
ajbmeb-659	15	30	understood	understand	VERB
ajbmeb-659	15	31	as	as	ADP
ajbmeb-659	15	32	a	a	DET
ajbmeb-659	15	33	set	set	NOUN
ajbmeb-659	15	34	of	of	ADP
ajbmeb-659	15	35	actions	action	NOUN
ajbmeb-659	15	36	aimed	aim	VERB
ajbmeb-659	15	37	at	at	ADP
ajbmeb-659	15	38	determining	determine	VERB
ajbmeb-659	15	39	the	the	DET
ajbmeb-659	15	40	rational	rational	ADJ
ajbmeb-659	15	41	combination	combination	NOUN
ajbmeb-659	15	42	of	of	ADP
ajbmeb-659	15	43	risk	risk	NOUN
ajbmeb-659	15	44	and	and	CCONJ
ajbmeb-659	15	45	profit	profit	NOUN
ajbmeb-659	15	46	[	[	X
ajbmeb-659	15	47	1	1	NUM
ajbmeb-659	15	48	]	]	PUNCT
ajbmeb-659	15	49	.	.	PUNCT
ajbmeb-659	16	1	martina	martina	PROPN
ajbmeb-659	16	2	merkova	merkova	PROPN
ajbmeb-659	16	3	,	,	PUNCT
ajbmeb-659	16	4	josef	josef	PROPN
ajbmeb-659	16	5	drabek	drabek	PROPN
ajbmeb-659	16	6	expressed	express	VERB
ajbmeb-659	16	7	the	the	DET
ajbmeb-659	16	8	following	follow	VERB
ajbmeb-659	16	9	thoughts	thought	NOUN
ajbmeb-659	16	10	about	about	ADP
ajbmeb-659	16	11	risk	risk	NOUN
ajbmeb-659	16	12	:	:	PUNCT
ajbmeb-659	16	13	“	"	PUNCT
ajbmeb-659	16	14	risk	risk	NOUN
ajbmeb-659	16	15	is	be	AUX
ajbmeb-659	16	16	an	an	DET
ajbmeb-659	16	17	inevitable	inevitable	ADJ
ajbmeb-659	16	18	part	part	NOUN
ajbmeb-659	16	19	of	of	ADP
ajbmeb-659	16	20	any	any	DET
ajbmeb-659	16	21	business	business	NOUN
ajbmeb-659	16	22	,	,	PUNCT
ajbmeb-659	16	23	so	so	CCONJ
ajbmeb-659	16	24	it	it	PRON
ajbmeb-659	16	25	is	be	AUX
ajbmeb-659	16	26	very	very	ADV
ajbmeb-659	16	27	important	important	ADJ
ajbmeb-659	16	28	to	to	PART
ajbmeb-659	16	29	analyze	analyze	VERB
ajbmeb-659	16	30	it	it	PRON
ajbmeb-659	16	31	,	,	PUNCT
ajbmeb-659	16	32	but	but	CCONJ
ajbmeb-659	16	33	at	at	ADP
ajbmeb-659	16	34	the	the	DET
ajbmeb-659	16	35	same	same	ADJ
ajbmeb-659	16	36	time	time	NOUN
ajbmeb-659	16	37	,	,	PUNCT
ajbmeb-659	16	38	the	the	DET
ajbmeb-659	16	39	paradox	paradox	NOUN
ajbmeb-659	16	40	is	be	AUX
ajbmeb-659	16	41	that	that	SCONJ
ajbmeb-659	16	42	it	it	PRON
ajbmeb-659	16	43	is	be	AUX
ajbmeb-659	16	44	a	a	DET
ajbmeb-659	16	45	part	part	NOUN
ajbmeb-659	16	46	of	of	ADP
ajbmeb-659	16	47	the	the	DET
ajbmeb-659	16	48	project	project	NOUN
ajbmeb-659	16	49	that	that	PRON
ajbmeb-659	16	50	can	can	AUX
ajbmeb-659	16	51	not	not	PART
ajbmeb-659	16	52	be	be	AUX
ajbmeb-659	16	53	evaluated	evaluate	VERB
ajbmeb-659	16	54	until	until	ADP
ajbmeb-659	16	55	the	the	DET
ajbmeb-659	16	56	end	end	NOUN
ajbmeb-659	17	1	[	[	X
ajbmeb-659	17	2	2	2	NUM
ajbmeb-659	17	3	]	]	PUNCT
ajbmeb-659	17	4	”	"	PUNCT
ajbmeb-659	17	5	.	.	PUNCT
ajbmeb-659	18	1	risk	risk	NOUN
ajbmeb-659	18	2	is	be	AUX
ajbmeb-659	18	3	understood	understand	VERB
ajbmeb-659	18	4	as	as	ADP
ajbmeb-659	18	5	a	a	DET
ajbmeb-659	18	6	potential	potential	NOUN
ajbmeb-659	18	7	,	,	PUNCT
ajbmeb-659	18	8	numerically	numerically	ADV
ajbmeb-659	18	9	measured	measure	VERB
ajbmeb-659	18	10	probability	probability	NOUN
ajbmeb-659	18	11	of	of	ADP
ajbmeb-659	18	12	loss	loss	NOUN
ajbmeb-659	18	13	.	.	PUNCT
ajbmeb-659	19	1	the	the	DET
ajbmeb-659	19	2	risk	risk	NOUN
ajbmeb-659	19	3	of	of	ADP
ajbmeb-659	19	4	an	an	DET
ajbmeb-659	19	5	investment	investment	NOUN
ajbmeb-659	19	6	project	project	NOUN
ajbmeb-659	19	7	means	mean	VERB
ajbmeb-659	19	8	the	the	DET
ajbmeb-659	19	9	degree	degree	NOUN
ajbmeb-659	19	10	of	of	ADP
ajbmeb-659	19	11	risk	risk	NOUN
ajbmeb-659	19	12	of	of	ADP
ajbmeb-659	19	13	successful	successful	ADJ
ajbmeb-659	19	14	implementation	implementation	NOUN
ajbmeb-659	19	15	of	of	ADP
ajbmeb-659	19	16	the	the	DET
ajbmeb-659	19	17	project	project	NOUN
ajbmeb-659	19	18	.	.	PUNCT
ajbmeb-659	20	1	currently	currently	ADV
ajbmeb-659	20	2	,	,	PUNCT
ajbmeb-659	20	3	a	a	DET
ajbmeb-659	20	4	wide	wide	ADJ
ajbmeb-659	20	5	range	range	NOUN
ajbmeb-659	20	6	of	of	ADP
ajbmeb-659	20	7	methods	method	NOUN
ajbmeb-659	20	8	and	and	CCONJ
ajbmeb-659	20	9	approaches	approach	NOUN
ajbmeb-659	20	10	are	be	AUX
ajbmeb-659	20	11	used	use	VERB
ajbmeb-659	20	12	to	to	PART
ajbmeb-659	20	13	analyze	analyze	VERB
ajbmeb-659	20	14	the	the	DET
ajbmeb-659	20	15	risk	risk	NOUN
ajbmeb-659	20	16	of	of	ADP
ajbmeb-659	20	17	investment	investment	NOUN
ajbmeb-659	20	18	projects	project	NOUN
ajbmeb-659	20	19	[	[	X
ajbmeb-659	20	20	3	3	NUM
ajbmeb-659	20	21	]	]	PUNCT
ajbmeb-659	20	22	.	.	PUNCT
ajbmeb-659	21	1	the	the	DET
ajbmeb-659	21	2	approach	approach	NOUN
ajbmeb-659	21	3	of	of	ADP
ajbmeb-659	21	4	the	the	DET
ajbmeb-659	21	5	famous	famous	ADJ
ajbmeb-659	21	6	foreign	foreign	ADJ
ajbmeb-659	21	7	scientist	scientist	NOUN
ajbmeb-659	21	8	p.s	p.s	PROPN
ajbmeb-659	21	9	.	.	PROPN
ajbmeb-659	21	10	rose	rise	VERB
ajbmeb-659	21	11	is	be	AUX
ajbmeb-659	21	12	the	the	DET
ajbmeb-659	21	13	most	most	ADV
ajbmeb-659	21	14	constructive	constructive	ADJ
ajbmeb-659	21	15	and	and	CCONJ
ajbmeb-659	21	16	is	be	AUX
ajbmeb-659	21	17	based	base	VERB
ajbmeb-659	21	18	on	on	ADP
ajbmeb-659	21	19	the	the	DET
ajbmeb-659	21	20	assumption	assumption	NOUN
ajbmeb-659	21	21	that	that	SCONJ
ajbmeb-659	21	22	the	the	DET
ajbmeb-659	21	23	essence	essence	NOUN
ajbmeb-659	21	24	of	of	ADP
ajbmeb-659	21	25	asset	asset	NOUN
ajbmeb-659	21	26	and	and	CCONJ
ajbmeb-659	21	27	liability	liability	NOUN
ajbmeb-659	21	28	management	management	NOUN
ajbmeb-659	21	29	in	in	ADP
ajbmeb-659	21	30	banks	bank	NOUN
ajbmeb-659	21	31	is	be	AUX
ajbmeb-659	21	32	the	the	DET
ajbmeb-659	21	33	formation	formation	NOUN
ajbmeb-659	21	34	of	of	ADP
ajbmeb-659	21	35	a	a	DET
ajbmeb-659	21	36	strategy	strategy	NOUN
ajbmeb-659	21	37	and	and	CCONJ
ajbmeb-659	21	38	the	the	DET
ajbmeb-659	21	39	implementation	implementation	NOUN
ajbmeb-659	21	40	of	of	ADP
ajbmeb-659	21	41	activities	activity	NOUN
ajbmeb-659	21	42	that	that	PRON
ajbmeb-659	21	43	bring	bring	VERB
ajbmeb-659	21	44	the	the	DET
ajbmeb-659	21	45	bank	bank	NOUN
ajbmeb-659	21	46	’s	’s	PART
ajbmeb-659	21	47	balance	balance	NOUN
ajbmeb-659	21	48	sheet	sheet	NOUN
ajbmeb-659	21	49	structure	structure	NOUN
ajbmeb-659	21	50	in	in	ADP
ajbmeb-659	21	51	line	line	NOUN
ajbmeb-659	21	52	with	with	ADP
ajbmeb-659	21	53	its	its	PRON
ajbmeb-659	21	54	strategic	strategic	ADJ
ajbmeb-659	21	55	programs	program	NOUN
ajbmeb-659	21	56	.	.	PUNCT
ajbmeb-659	22	1	in	in	ADP
ajbmeb-659	22	2	his	his	PRON
ajbmeb-659	22	3	opinion	opinion	NOUN
ajbmeb-659	22	4	,	,	PUNCT
ajbmeb-659	22	5	“	"	PUNCT
ajbmeb-659	22	6	...	...	PUNCT
ajbmeb-659	22	7	the	the	DET
ajbmeb-659	22	8	main	main	ADJ
ajbmeb-659	22	9	goal	goal	NOUN
ajbmeb-659	22	10	of	of	ADP
ajbmeb-659	22	11	asset	asset	NOUN
ajbmeb-659	22	12	and	and	CCONJ
ajbmeb-659	22	13	liability	liability	NOUN
ajbmeb-659	22	14	management	management	NOUN
ajbmeb-659	22	15	is	be	AUX
ajbmeb-659	22	16	to	to	PART
ajbmeb-659	22	17	maximize	maximize	VERB
ajbmeb-659	22	18	or	or	CCONJ
ajbmeb-659	22	19	at	at	ADP
ajbmeb-659	22	20	least	least	ADJ
ajbmeb-659	22	21	stabilize	stabilize	VERB
ajbmeb-659	22	22	the	the	DET
ajbmeb-659	22	23	bank	bank	NOUN
ajbmeb-659	22	24	’s	’s	PART
ajbmeb-659	22	25	margin	margin	NOUN
ajbmeb-659	22	26	(	(	PUNCT
ajbmeb-659	22	27	the	the	DET
ajbmeb-659	22	28	difference	difference	NOUN
ajbmeb-659	22	29	between	between	ADP
ajbmeb-659	22	30	interest	interest	NOUN
ajbmeb-659	22	31	income	income	NOUN
ajbmeb-659	22	32	and	and	CCONJ
ajbmeb-659	22	33	interest	interest	NOUN
ajbmeb-659	22	34	costs	cost	NOUN
ajbmeb-659	22	35	)	)	PUNCT
ajbmeb-659	22	36	with	with	ADP
ajbmeb-659	22	37	an	an	DET
ajbmeb-659	22	38	acceptable	acceptable	ADJ
ajbmeb-659	22	39	level	level	NOUN
ajbmeb-659	22	40	of	of	ADP
ajbmeb-659	22	41	risk	risk	NOUN
ajbmeb-659	22	42	[	[	X
ajbmeb-659	22	43	4	4	NUM
ajbmeb-659	22	44	]	]	PUNCT
ajbmeb-659	22	45	”	"	PUNCT
ajbmeb-659	22	46	.	.	PUNCT
ajbmeb-659	23	1	the	the	DET
ajbmeb-659	23	2	analysis	analysis	NOUN
ajbmeb-659	23	3	of	of	ADP
ajbmeb-659	23	4	this	this	DET
ajbmeb-659	23	5	problem	problem	NOUN
ajbmeb-659	23	6	revealed	reveal	VERB
ajbmeb-659	23	7	the	the	DET
ajbmeb-659	23	8	lack	lack	NOUN
ajbmeb-659	23	9	of	of	ADP
ajbmeb-659	23	10	comprehensive	comprehensive	ADJ
ajbmeb-659	23	11	studies	study	NOUN
ajbmeb-659	23	12	on	on	ADP
ajbmeb-659	23	13	the	the	DET
ajbmeb-659	23	14	issue	issue	NOUN
ajbmeb-659	23	15	of	of	ADP
ajbmeb-659	23	16	capitalization	capitalization	NOUN
ajbmeb-659	23	17	of	of	ADP
ajbmeb-659	23	18	commercial	commercial	ADJ
ajbmeb-659	23	19	banks	bank	NOUN
ajbmeb-659	23	20	in	in	ADP
ajbmeb-659	23	21	uzbekistan	uzbekistan	PROPN
ajbmeb-659	23	22	.	.	PUNCT
ajbmeb-659	24	1	there	there	PRON
ajbmeb-659	24	2	are	be	VERB
ajbmeb-659	24	3	no	no	PRON
ajbmeb-659	24	4	clearly	clearly	ADV
ajbmeb-659	24	5	developed	develop	VERB
ajbmeb-659	24	6	and	and	CCONJ
ajbmeb-659	24	7	used	use	VERB
ajbmeb-659	24	8	in	in	ADP
ajbmeb-659	24	9	practice	practice	NOUN
ajbmeb-659	24	10	measures	measure	NOUN
ajbmeb-659	24	11	on	on	ADP
ajbmeb-659	24	12	this	this	DET
ajbmeb-659	24	13	topic	topic	NOUN
ajbmeb-659	24	14	.	.	PUNCT
ajbmeb-659	25	1	the	the	DET
ajbmeb-659	25	2	very	very	ADJ
ajbmeb-659	25	3	concept	concept	NOUN
ajbmeb-659	25	4	of	of	ADP
ajbmeb-659	25	5	capitalization	capitalization	NOUN
ajbmeb-659	25	6	is	be	AUX
ajbmeb-659	25	7	still	still	ADV
ajbmeb-659	25	8	not	not	PART
ajbmeb-659	25	9	associated	associate	VERB
ajbmeb-659	25	10	with	with	ADP
ajbmeb-659	25	11	the	the	DET
ajbmeb-659	25	12	market	market	NOUN
ajbmeb-659	25	13	interpretation	interpretation	NOUN
ajbmeb-659	25	14	of	of	ADP
ajbmeb-659	25	15	this	this	DET
ajbmeb-659	25	16	term	term	NOUN
ajbmeb-659	25	17	in	in	ADP
ajbmeb-659	25	18	relation	relation	NOUN
ajbmeb-659	25	19	to	to	ADP
ajbmeb-659	25	20	domestic	domestic	ADJ
ajbmeb-659	25	21	credit	credit	NOUN
ajbmeb-659	25	22	institutions	institution	NOUN
ajbmeb-659	25	23	.	.	PUNCT
ajbmeb-659	26	1	until	until	ADP
ajbmeb-659	26	2	now	now	ADV
ajbmeb-659	26	3	,	,	PUNCT
ajbmeb-659	26	4	both	both	CCONJ
ajbmeb-659	26	5	in	in	ADP
ajbmeb-659	26	6	the	the	DET
ajbmeb-659	26	7	scientific	scientific	ADJ
ajbmeb-659	26	8	community	community	NOUN
ajbmeb-659	26	9	and	and	CCONJ
ajbmeb-659	26	10	the	the	DET
ajbmeb-659	26	11	banking	banking	NOUN
ajbmeb-659	26	12	community	community	NOUN
ajbmeb-659	26	13	,	,	PUNCT
ajbmeb-659	26	14	capitalization	capitalization	NOUN
ajbmeb-659	26	15	is	be	AUX
ajbmeb-659	26	16	understood	understand	VERB
ajbmeb-659	26	17	only	only	ADV
ajbmeb-659	26	18	as	as	ADP
ajbmeb-659	26	19	an	an	DET
ajbmeb-659	26	20	increase	increase	NOUN
ajbmeb-659	26	21	in	in	ADP
ajbmeb-659	26	22	the	the	DET
ajbmeb-659	26	23	bank	bank	NOUN
ajbmeb-659	26	24	’s	’s	PART
ajbmeb-659	26	25	own	own	ADJ
ajbmeb-659	26	26	capital	capital	NOUN
ajbmeb-659	26	27	.	.	PUNCT
ajbmeb-659	27	1	for	for	ADP
ajbmeb-659	27	2	example	example	NOUN
ajbmeb-659	27	3	,	,	PUNCT
ajbmeb-659	27	4	peter	peter	PROPN
ajbmeb-659	27	5	s.	s.	PROPN
ajbmeb-659	27	6	rose	rise	VERB
ajbmeb-659	27	7	notes	note	NOUN
ajbmeb-659	27	8	that	that	SCONJ
ajbmeb-659	27	9	“	"	PUNCT
ajbmeb-659	27	10	we	we	PRON
ajbmeb-659	27	11	often	often	ADV
ajbmeb-659	27	12	use	use	VERB
ajbmeb-659	27	13	the	the	DET
ajbmeb-659	27	14	term	term	NOUN
ajbmeb-659	27	15	capitalization	capitalization	NOUN
ajbmeb-659	27	16	,	,	PUNCT
ajbmeb-659	27	17	meaning	mean	VERB
ajbmeb-659	27	18	by	by	ADP
ajbmeb-659	27	19	this	this	DET
ajbmeb-659	27	20	own	own	ADJ
ajbmeb-659	27	21	funds	fund	NOUN
ajbmeb-659	27	22	or	or	CCONJ
ajbmeb-659	27	23	equity	equity	NOUN
ajbmeb-659	27	24	capital	capital	NOUN
ajbmeb-659	27	25	of	of	ADP
ajbmeb-659	27	26	banks	bank	NOUN
ajbmeb-659	27	27	and	and	CCONJ
ajbmeb-659	27	28	its	its	PRON
ajbmeb-659	27	29	sufficiency	sufficiency	NOUN
ajbmeb-659	27	30	to	to	PART
ajbmeb-659	27	31	cover	cover	VERB
ajbmeb-659	27	32	risks	risk	NOUN
ajbmeb-659	27	33	[	[	X
ajbmeb-659	27	34	5	5	NUM
ajbmeb-659	27	35	]	]	PUNCT
ajbmeb-659	27	36	”	"	PUNCT
ajbmeb-659	27	37	.	.	PUNCT
ajbmeb-659	28	1	the	the	DET
ajbmeb-659	28	2	research	research	NOUN
ajbmeb-659	28	3	of	of	ADP
ajbmeb-659	28	4	lg	lg	PROPN
ajbmeb-659	28	5	batrakova	batrakova	PROPN
ajbmeb-659	28	6	,	,	PUNCT
ajbmeb-659	28	7	the	the	DET
ajbmeb-659	28	8	nature	nature	NOUN
ajbmeb-659	28	9	of	of	ADP
ajbmeb-659	28	10	interest	interest	NOUN
ajbmeb-659	28	11	rate	rate	NOUN
ajbmeb-659	28	12	risk	risk	NOUN
ajbmeb-659	28	13	in	in	ADP
ajbmeb-659	28	14	the	the	DET
ajbmeb-659	28	15	implementation	implementation	NOUN
ajbmeb-659	28	16	of	of	ADP
ajbmeb-659	28	17	deposit	deposit	NOUN
ajbmeb-659	28	18	policy	policy	NOUN
ajbmeb-659	28	19	,	,	PUNCT
ajbmeb-659	28	20	assessment	assessment	NOUN
ajbmeb-659	28	21	,	,	PUNCT
ajbmeb-659	28	22	management	management	NOUN
ajbmeb-659	28	23	and	and	CCONJ
ajbmeb-659	28	24	the	the	DET
ajbmeb-659	28	25	process	process	NOUN
ajbmeb-659	28	26	of	of	ADP
ajbmeb-659	28	27	establishing	establish	VERB
ajbmeb-659	28	28	a	a	DET
ajbmeb-659	28	29	system	system	NOUN
ajbmeb-659	28	30	of	of	ADP
ajbmeb-659	28	31	measures	measure	NOUN
ajbmeb-659	28	32	for	for	ADP
ajbmeb-659	28	33	insurance	insurance	NOUN
ajbmeb-659	28	34	are	be	AUX
ajbmeb-659	28	35	studied	study	VERB
ajbmeb-659	28	36	[	[	PUNCT
ajbmeb-659	28	37	6	6	NUM
ajbmeb-659	28	38	]	]	PUNCT
ajbmeb-659	28	39	.	.	PUNCT
ajbmeb-659	29	1	in	in	ADP
ajbmeb-659	29	2	particular	particular	ADJ
ajbmeb-659	29	3	,	,	PUNCT
ajbmeb-659	29	4	raymond	raymond	PROPN
ajbmeb-659	29	5	barr	barr	PROPN
ajbmeb-659	29	6	,	,	PUNCT
ajbmeb-659	29	7	a	a	DET
ajbmeb-659	29	8	foreign	foreign	ADJ
ajbmeb-659	29	9	economist	economist	NOUN
ajbmeb-659	29	10	,	,	PUNCT
ajbmeb-659	29	11	describes	describe	VERB
ajbmeb-659	29	12	the	the	DET
ajbmeb-659	29	13	stock	stock	NOUN
ajbmeb-659	29	14	market	market	NOUN
ajbmeb-659	29	15	as	as	SCONJ
ajbmeb-659	29	16	follows	follow	VERB
ajbmeb-659	29	17	.	.	PUNCT
ajbmeb-659	30	1	“	"	PUNCT
ajbmeb-659	30	2	the	the	DET
ajbmeb-659	30	3	stock	stock	NOUN
ajbmeb-659	30	4	market	market	NOUN
ajbmeb-659	30	5	,	,	PUNCT
ajbmeb-659	30	6	as	as	ADP
ajbmeb-659	30	7	a	a	DET
ajbmeb-659	30	8	technical	technical	ADJ
ajbmeb-659	30	9	institution	institution	NOUN
ajbmeb-659	30	10	,	,	PUNCT
ajbmeb-659	30	11	performs	perform	VERB
ajbmeb-659	30	12	the	the	DET
ajbmeb-659	30	13	function	function	NOUN
ajbmeb-659	30	14	of	of	ADP
ajbmeb-659	30	15	redistribution	redistribution	NOUN
ajbmeb-659	30	16	of	of	ADP
ajbmeb-659	30	17	free	free	ADJ
ajbmeb-659	30	18	funds	fund	NOUN
ajbmeb-659	30	19	,	,	PUNCT
ajbmeb-659	30	20	assesses	assess	VERB
ajbmeb-659	30	21	property	property	NOUN
ajbmeb-659	30	22	rights	right	NOUN
ajbmeb-659	30	23	,	,	PUNCT
ajbmeb-659	30	24	redistributes	redistribute	VERB
ajbmeb-659	30	25	risks	risk	NOUN
ajbmeb-659	30	26	,	,	PUNCT
ajbmeb-659	30	27	redistributes	redistribute	VERB
ajbmeb-659	30	28	information	information	NOUN
ajbmeb-659	30	29	among	among	ADP
ajbmeb-659	30	30	participants	participant	NOUN
ajbmeb-659	30	31	in	in	ADP
ajbmeb-659	30	32	the	the	DET
ajbmeb-659	30	33	business	business	NOUN
ajbmeb-659	30	34	cycle	cycle	NOUN
ajbmeb-659	30	35	.	.	PUNCT
ajbmeb-659	31	1	therefore	therefore	ADV
ajbmeb-659	31	2	,	,	PUNCT
ajbmeb-659	31	3	the	the	DET
ajbmeb-659	31	4	stock	stock	NOUN
ajbmeb-659	31	5	market	market	NOUN
ajbmeb-659	31	6	is	be	AUX
ajbmeb-659	31	7	a	a	DET
ajbmeb-659	31	8	long	long	ADJ
ajbmeb-659	31	9	-	-	PUNCT
ajbmeb-659	31	10	term	term	NOUN
ajbmeb-659	31	11	idle	idle	ADJ
ajbmeb-659	31	12	capital	capital	NOUN
ajbmeb-659	31	13	market	market	NOUN
ajbmeb-659	31	14	that	that	PRON
ajbmeb-659	31	15	collects	collect	VERB
ajbmeb-659	31	16	and	and	CCONJ
ajbmeb-659	31	17	consolidates	consolidate	VERB
ajbmeb-659	31	18	funds	fund	NOUN
ajbmeb-659	31	19	.	.	PUNCT
ajbmeb-659	32	1	these	these	DET
ajbmeb-659	32	2	funds	fund	NOUN
ajbmeb-659	32	3	will	will	AUX
ajbmeb-659	32	4	be	be	AUX
ajbmeb-659	32	5	directed	direct	VERB
ajbmeb-659	32	6	to	to	ADP
ajbmeb-659	32	7	long	long	ADJ
ajbmeb-659	32	8	-	-	PUNCT
ajbmeb-659	32	9	term	term	NOUN
ajbmeb-659	32	10	immobilization	immobilization	NOUN
ajbmeb-659	32	11	networks	network	NOUN
ajbmeb-659	32	12	[	[	X
ajbmeb-659	32	13	7	7	NUM
ajbmeb-659	32	14	]	]	PUNCT
ajbmeb-659	32	15	”	"	PUNCT
ajbmeb-659	32	16	.	.	PUNCT
ajbmeb-659	33	1	thus	thus	ADV
ajbmeb-659	33	2	,	,	PUNCT
ajbmeb-659	33	3	digital	digital	ADJ
ajbmeb-659	33	4	technologies	technology	NOUN
ajbmeb-659	33	5	have	have	AUX
ajbmeb-659	33	6	made	make	VERB
ajbmeb-659	33	7	it	it	PRON
ajbmeb-659	33	8	possible	possible	ADJ
ajbmeb-659	33	9	to	to	PART
ajbmeb-659	33	10	move	move	VERB
ajbmeb-659	33	11	from	from	ADP
ajbmeb-659	33	12	a	a	DET
ajbmeb-659	33	13	product	product	NOUN
ajbmeb-659	33	14	-	-	PUNCT
ajbmeb-659	33	15	oriented	orient	VERB
ajbmeb-659	33	16	approach	approach	NOUN
ajbmeb-659	33	17	to	to	ADP
ajbmeb-659	33	18	a	a	DET
ajbmeb-659	33	19	customer	customer	NOUN
ajbmeb-659	33	20	-	-	PUNCT
ajbmeb-659	33	21	oriented	orient	VERB
ajbmeb-659	33	22	one	one	NUM
ajbmeb-659	33	23	.	.	PUNCT
ajbmeb-659	34	1	the	the	DET
ajbmeb-659	34	2	leaders	leader	NOUN
ajbmeb-659	34	3	in	in	ADP
ajbmeb-659	34	4	terms	term	NOUN
ajbmeb-659	34	5	of	of	ADP
ajbmeb-659	34	6	banking	banking	NOUN
ajbmeb-659	34	7	innovation	innovation	NOUN
ajbmeb-659	34	8	in	in	ADP
ajbmeb-659	34	9	the	the	DET
ajbmeb-659	34	10	digital	digital	ADJ
ajbmeb-659	34	11	economy	economy	NOUN
ajbmeb-659	34	12	are	be	AUX
ajbmeb-659	34	13	germany	germany	PROPN
ajbmeb-659	34	14	,	,	PUNCT
ajbmeb-659	34	15	japan	japan	PROPN
ajbmeb-659	34	16	,	,	PUNCT
ajbmeb-659	34	17	the	the	DET
ajbmeb-659	34	18	us	us	PROPN
ajbmeb-659	34	19	,	,	PUNCT
ajbmeb-659	34	20	south	south	PROPN
ajbmeb-659	34	21	korea	korea	PROPN
ajbmeb-659	34	22	and	and	CCONJ
ajbmeb-659	34	23	the	the	DET
ajbmeb-659	34	24	uk	uk	PROPN
ajbmeb-659	34	25	.	.	PUNCT
ajbmeb-659	35	1	the	the	DET
ajbmeb-659	35	2	reverse	reverse	ADJ
ajbmeb-659	35	3	side	side	NOUN
ajbmeb-659	35	4	of	of	ADP
ajbmeb-659	35	5	this	this	DET
ajbmeb-659	35	6	process	process	NOUN
ajbmeb-659	35	7	is	be	AUX
ajbmeb-659	35	8	the	the	DET
ajbmeb-659	35	9	growth	growth	NOUN
ajbmeb-659	35	10	of	of	ADP
ajbmeb-659	35	11	internet	internet	NOUN
ajbmeb-659	35	12	fraud	fraud	NOUN
ajbmeb-659	35	13	,	,	PUNCT
ajbmeb-659	35	14	which	which	PRON
ajbmeb-659	35	15	is	be	AUX
ajbmeb-659	35	16	one	one	NUM
ajbmeb-659	35	17	of	of	ADP
ajbmeb-659	35	18	the	the	DET
ajbmeb-659	35	19	main	main	ADJ
ajbmeb-659	35	20	modern	modern	ADJ
ajbmeb-659	35	21	banking	banking	NOUN
ajbmeb-659	35	22	risks	risk	NOUN
ajbmeb-659	35	23	[	[	X
ajbmeb-659	35	24	8	8	NUM
ajbmeb-659	35	25	]	]	PUNCT
ajbmeb-659	35	26	.	.	PUNCT
ajbmeb-659	36	1	3	3	X
ajbmeb-659	36	2	.	.	X
ajbmeb-659	36	3	research	research	NOUN
ajbmeb-659	36	4	methodology	methodology	NOUN
ajbmeb-659	36	5	classical	classical	ADJ
ajbmeb-659	36	6	methods	method	NOUN
ajbmeb-659	36	7	of	of	ADP
ajbmeb-659	36	8	finance	finance	NOUN
ajbmeb-659	36	9	in	in	ADP
ajbmeb-659	36	10	risk	risk	NOUN
ajbmeb-659	36	11	minimization	minimization	NOUN
ajbmeb-659	36	12	are	be	AUX
ajbmeb-659	36	13	researched	research	VERB
ajbmeb-659	36	14	,	,	PUNCT
ajbmeb-659	36	15	and	and	CCONJ
ajbmeb-659	36	16	the	the	DET
ajbmeb-659	36	17	article	article	NOUN
ajbmeb-659	36	18	presents	present	VERB
ajbmeb-659	36	19	infographic	infographic	ADJ
ajbmeb-659	36	20	classification	classification	NOUN
ajbmeb-659	36	21	and	and	CCONJ
ajbmeb-659	36	22	tabular	tabular	PROPN
ajbmeb-659	36	23	data	datum	NOUN
ajbmeb-659	36	24	.	.	PUNCT
ajbmeb-659	37	1	it	it	PRON
ajbmeb-659	37	2	also	also	ADV
ajbmeb-659	37	3	deals	deal	VERB
ajbmeb-659	37	4	with	with	ADP
ajbmeb-659	37	5	data	datum	NOUN
ajbmeb-659	37	6	synthesis	synthesis	NOUN
ajbmeb-659	37	7	analysis	analysis	NOUN
ajbmeb-659	37	8	and	and	CCONJ
ajbmeb-659	37	9	theoretical	theoretical	ADJ
ajbmeb-659	37	10	foundations	foundation	NOUN
ajbmeb-659	37	11	.	.	PUNCT
ajbmeb-659	38	1	4	4	X
ajbmeb-659	38	2	.	.	X
ajbmeb-659	38	3	analysis	analysis	NOUN
ajbmeb-659	38	4	and	and	CCONJ
ajbmeb-659	38	5	discussion	discussion	NOUN
ajbmeb-659	38	6	of	of	ADP
ajbmeb-659	38	7	results	result	NOUN
ajbmeb-659	38	8	the	the	DET
ajbmeb-659	38	9	advantages	advantage	NOUN
ajbmeb-659	38	10	of	of	ADP
ajbmeb-659	38	11	implementing	implement	VERB
ajbmeb-659	38	12	early	early	ADJ
ajbmeb-659	38	13	warning	warning	NOUN
ajbmeb-659	38	14	systems	system	NOUN
ajbmeb-659	38	15	in	in	ADP
ajbmeb-659	38	16	banks	bank	NOUN
ajbmeb-659	38	17	are	be	AUX
ajbmeb-659	38	18	:	:	PUNCT
ajbmeb-659	38	19	improve	improve	VERB
ajbmeb-659	38	20	data	datum	NOUN
ajbmeb-659	38	21	quality	quality	NOUN
ajbmeb-659	38	22	:	:	PUNCT
ajbmeb-659	38	23	early	early	ADJ
ajbmeb-659	38	24	warning	warning	NOUN
ajbmeb-659	38	25	systems	system	NOUN
ajbmeb-659	38	26	require	require	VERB
ajbmeb-659	38	27	high	high	ADJ
ajbmeb-659	38	28	quality	quality	NOUN
ajbmeb-659	38	29	data	datum	NOUN
ajbmeb-659	38	30	to	to	PART
ajbmeb-659	38	31	be	be	AUX
ajbmeb-659	38	32	effective	effective	ADJ
ajbmeb-659	38	33	.	.	PUNCT
ajbmeb-659	39	1	banks	bank	NOUN
ajbmeb-659	39	2	should	should	AUX
ajbmeb-659	39	3	improve	improve	VERB
ajbmeb-659	39	4	their	their	PRON
ajbmeb-659	39	5	data	data	NOUN
ajbmeb-659	39	6	management	management	NOUN
ajbmeb-659	39	7	processes	process	NOUN
ajbmeb-659	39	8	to	to	PART
ajbmeb-659	39	9	support	support	VERB
ajbmeb-659	39	10	the	the	DET
ajbmeb-659	39	11	implementation	implementation	NOUN
ajbmeb-659	39	12	of	of	ADP
ajbmeb-659	39	13	an	an	DET
ajbmeb-659	39	14	early	early	ADJ
ajbmeb-659	39	15	warning	warning	NOUN
ajbmeb-659	39	16	system	system	NOUN
ajbmeb-659	39	17	.	.	PUNCT
ajbmeb-659	40	1	american	american	PROPN
ajbmeb-659	40	2	journal	journal	PROPN
ajbmeb-659	40	3	of	of	ADP
ajbmeb-659	40	4	business	business	NOUN
ajbmeb-659	40	5	management	management	NOUN
ajbmeb-659	40	6	,	,	PUNCT
ajbmeb-659	40	7	economics	economic	NOUN
ajbmeb-659	40	8	and	and	CCONJ
ajbmeb-659	40	9	banking	banking	NOUN
ajbmeb-659	40	10	volume	volume	NOUN
ajbmeb-659	40	11	11	11	NUM
ajbmeb-659	40	12	april	april	PROPN
ajbmeb-659	40	13	,	,	PUNCT
ajbmeb-659	40	14	2023	2023	NUM
ajbmeb-659	40	15	p	p	NOUN
ajbmeb-659	40	16	a	a	PRON
ajbmeb-659	40	17	g	g	NOUN
ajbmeb-659	40	18	e	e	NOUN
ajbmeb-659	40	19	|	|	ADV
ajbmeb-659	40	20	91	91	NUM
ajbmeb-659	40	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-659	40	22	and	and	CCONJ
ajbmeb-659	40	23	this	this	PRON
ajbmeb-659	40	24	can	can	AUX
ajbmeb-659	40	25	benefit	benefit	VERB
ajbmeb-659	40	26	the	the	DET
ajbmeb-659	40	27	bank	bank	NOUN
ajbmeb-659	40	28	in	in	ADP
ajbmeb-659	40	29	many	many	ADJ
ajbmeb-659	40	30	other	other	ADJ
ajbmeb-659	40	31	areas	area	NOUN
ajbmeb-659	40	32	,	,	PUNCT
ajbmeb-659	40	33	for	for	ADP
ajbmeb-659	40	34	example	example	NOUN
ajbmeb-659	40	35	,	,	PUNCT
ajbmeb-659	40	36	in	in	ADP
ajbmeb-659	40	37	the	the	DET
ajbmeb-659	40	38	management	management	NOUN
ajbmeb-659	40	39	process	process	NOUN
ajbmeb-659	40	40	and	and	CCONJ
ajbmeb-659	40	41	customer	customer	NOUN
ajbmeb-659	40	42	analysis	analysis	NOUN
ajbmeb-659	40	43	.	.	PUNCT
ajbmeb-659	41	1	improving	improve	VERB
ajbmeb-659	41	2	the	the	DET
ajbmeb-659	41	3	risk	risk	NOUN
ajbmeb-659	41	4	culture	culture	NOUN
ajbmeb-659	41	5	:	:	PUNCT
ajbmeb-659	41	6	the	the	DET
ajbmeb-659	41	7	introduction	introduction	NOUN
ajbmeb-659	41	8	of	of	ADP
ajbmeb-659	41	9	an	an	DET
ajbmeb-659	41	10	early	early	ADJ
ajbmeb-659	41	11	warning	warning	NOUN
ajbmeb-659	41	12	system	system	NOUN
ajbmeb-659	41	13	will	will	AUX
ajbmeb-659	41	14	help	help	VERB
ajbmeb-659	41	15	to	to	PART
ajbmeb-659	41	16	build	build	VERB
ajbmeb-659	41	17	a	a	DET
ajbmeb-659	41	18	risk	risk	NOUN
ajbmeb-659	41	19	management	management	NOUN
ajbmeb-659	41	20	culture	culture	NOUN
ajbmeb-659	41	21	in	in	ADP
ajbmeb-659	41	22	the	the	DET
ajbmeb-659	41	23	bank	bank	NOUN
ajbmeb-659	41	24	.	.	PUNCT
ajbmeb-659	42	1	by	by	ADP
ajbmeb-659	42	2	providing	provide	VERB
ajbmeb-659	42	3	a	a	DET
ajbmeb-659	42	4	systematic	systematic	ADJ
ajbmeb-659	42	5	approach	approach	NOUN
ajbmeb-659	42	6	to	to	ADP
ajbmeb-659	42	7	risk	risk	NOUN
ajbmeb-659	42	8	management	management	NOUN
ajbmeb-659	42	9	,	,	PUNCT
ajbmeb-659	42	10	early	early	ADJ
ajbmeb-659	42	11	warning	warning	NOUN
ajbmeb-659	42	12	systems	system	NOUN
ajbmeb-659	42	13	help	help	AUX
ajbmeb-659	42	14	implement	implement	VERB
ajbmeb-659	42	15	risk	risk	NOUN
ajbmeb-659	42	16	management	management	NOUN
ajbmeb-659	42	17	practices	practice	NOUN
ajbmeb-659	42	18	throughout	throughout	ADP
ajbmeb-659	42	19	the	the	DET
ajbmeb-659	42	20	organization	organization	NOUN
ajbmeb-659	42	21	,	,	PUNCT
ajbmeb-659	42	22	from	from	ADP
ajbmeb-659	42	23	the	the	DET
ajbmeb-659	42	24	board	board	NOUN
ajbmeb-659	42	25	to	to	ADP
ajbmeb-659	42	26	the	the	DET
ajbmeb-659	42	27	front	front	ADJ
ajbmeb-659	42	28	office	office	NOUN
ajbmeb-659	42	29	staff	staff	NOUN
ajbmeb-659	42	30	.	.	PUNCT
ajbmeb-659	43	1	enhanced	enhance	VERB
ajbmeb-659	43	2	strategic	strategic	ADJ
ajbmeb-659	43	3	planning	planning	NOUN
ajbmeb-659	43	4	:	:	PUNCT
ajbmeb-659	43	5	information	information	NOUN
ajbmeb-659	43	6	provided	provide	VERB
ajbmeb-659	43	7	by	by	ADP
ajbmeb-659	43	8	early	early	ADJ
ajbmeb-659	43	9	warning	warning	NOUN
ajbmeb-659	43	10	systems	system	NOUN
ajbmeb-659	43	11	helps	help	VERB
ajbmeb-659	43	12	banks	bank	NOUN
ajbmeb-659	43	13	identify	identify	VERB
ajbmeb-659	43	14	emerging	emerge	VERB
ajbmeb-659	43	15	risks	risk	NOUN
ajbmeb-659	43	16	and	and	CCONJ
ajbmeb-659	43	17	trends	trend	NOUN
ajbmeb-659	43	18	for	for	ADP
ajbmeb-659	43	19	strategic	strategic	ADJ
ajbmeb-659	43	20	planning	planning	NOUN
ajbmeb-659	43	21	and	and	CCONJ
ajbmeb-659	43	22	decision	decision	NOUN
ajbmeb-659	43	23	-	-	PUNCT
ajbmeb-659	43	24	making	making	NOUN
ajbmeb-659	43	25	.	.	PUNCT
ajbmeb-659	44	1	by	by	ADP
ajbmeb-659	44	2	understanding	understand	VERB
ajbmeb-659	44	3	the	the	DET
ajbmeb-659	44	4	risks	risk	NOUN
ajbmeb-659	44	5	and	and	CCONJ
ajbmeb-659	44	6	opportunities	opportunity	NOUN
ajbmeb-659	44	7	in	in	ADP
ajbmeb-659	44	8	the	the	DET
ajbmeb-659	44	9	market	market	NOUN
ajbmeb-659	44	10	,	,	PUNCT
ajbmeb-659	44	11	banks	bank	NOUN
ajbmeb-659	44	12	can	can	AUX
ajbmeb-659	44	13	develop	develop	VERB
ajbmeb-659	44	14	more	more	ADV
ajbmeb-659	44	15	effective	effective	ADJ
ajbmeb-659	44	16	strategies	strategy	NOUN
ajbmeb-659	44	17	and	and	CCONJ
ajbmeb-659	44	18	outperform	outperform	VERB
ajbmeb-659	44	19	their	their	PRON
ajbmeb-659	44	20	competitors	competitor	NOUN
ajbmeb-659	44	21	.	.	PUNCT
ajbmeb-659	45	1	increasing	increase	VERB
ajbmeb-659	45	2	shareholder	shareholder	NOUN
ajbmeb-659	45	3	confidence	confidence	NOUN
ajbmeb-659	45	4	:	:	PUNCT
ajbmeb-659	45	5	by	by	ADP
ajbmeb-659	45	6	implementing	implement	VERB
ajbmeb-659	45	7	an	an	DET
ajbmeb-659	45	8	early	early	ADJ
ajbmeb-659	45	9	warning	warning	NOUN
ajbmeb-659	45	10	system	system	NOUN
ajbmeb-659	45	11	,	,	PUNCT
ajbmeb-659	45	12	banks	bank	NOUN
ajbmeb-659	45	13	can	can	AUX
ajbmeb-659	45	14	demonstrate	demonstrate	VERB
ajbmeb-659	45	15	effective	effective	ADJ
ajbmeb-659	45	16	risk	risk	NOUN
ajbmeb-659	45	17	management	management	NOUN
ajbmeb-659	45	18	and	and	CCONJ
ajbmeb-659	45	19	financial	financial	ADJ
ajbmeb-659	45	20	stability	stability	NOUN
ajbmeb-659	45	21	.	.	PUNCT
ajbmeb-659	46	1	this	this	PRON
ajbmeb-659	46	2	will	will	AUX
ajbmeb-659	46	3	help	help	VERB
ajbmeb-659	46	4	increase	increase	VERB
ajbmeb-659	46	5	the	the	DET
ajbmeb-659	46	6	trust	trust	NOUN
ajbmeb-659	46	7	of	of	ADP
ajbmeb-659	46	8	shareholders	shareholder	NOUN
ajbmeb-659	46	9	and	and	CCONJ
ajbmeb-659	46	10	increase	increase	VERB
ajbmeb-659	46	11	the	the	DET
ajbmeb-659	46	12	bank	bank	NOUN
ajbmeb-659	46	13	’s	’s	PART
ajbmeb-659	46	14	reputation	reputation	NOUN
ajbmeb-659	46	15	in	in	ADP
ajbmeb-659	46	16	the	the	DET
ajbmeb-659	46	17	market	market	NOUN
ajbmeb-659	46	18	.	.	PUNCT
ajbmeb-659	47	1	reduced	reduce	VERB
ajbmeb-659	47	2	regulatory	regulatory	ADJ
ajbmeb-659	47	3	oversight	oversight	NOUN
ajbmeb-659	47	4	:	:	PUNCT
ajbmeb-659	47	5	early	early	ADJ
ajbmeb-659	47	6	warning	warning	NOUN
ajbmeb-659	47	7	systems	system	NOUN
ajbmeb-659	47	8	help	help	VERB
ajbmeb-659	47	9	banks	bank	NOUN
ajbmeb-659	47	10	comply	comply	VERB
ajbmeb-659	47	11	with	with	ADP
ajbmeb-659	47	12	regulatory	regulatory	ADJ
ajbmeb-659	47	13	requirements	requirement	NOUN
ajbmeb-659	47	14	such	such	ADJ
ajbmeb-659	47	15	as	as	ADP
ajbmeb-659	47	16	stress	stress	NOUN
ajbmeb-659	47	17	tests	test	NOUN
ajbmeb-659	47	18	and	and	CCONJ
ajbmeb-659	47	19	capital	capital	NOUN
ajbmeb-659	47	20	adequacy	adequacy	NOUN
ajbmeb-659	47	21	assessments	assessment	NOUN
ajbmeb-659	47	22	.	.	PUNCT
ajbmeb-659	48	1	improve	improve	VERB
ajbmeb-659	48	2	portfolio	portfolio	NOUN
ajbmeb-659	48	3	diversification	diversification	NOUN
ajbmeb-659	48	4	:	:	PUNCT
ajbmeb-659	48	5	early	early	ADJ
ajbmeb-659	48	6	warning	warning	NOUN
ajbmeb-659	48	7	systems	system	NOUN
ajbmeb-659	48	8	help	help	VERB
ajbmeb-659	48	9	banks	bank	NOUN
ajbmeb-659	48	10	identify	identify	VERB
ajbmeb-659	48	11	potential	potential	ADJ
ajbmeb-659	48	12	concentration	concentration	NOUN
ajbmeb-659	48	13	risks	risk	NOUN
ajbmeb-659	48	14	in	in	ADP
ajbmeb-659	48	15	their	their	PRON
ajbmeb-659	48	16	portfolios	portfolio	NOUN
ajbmeb-659	48	17	,	,	PUNCT
ajbmeb-659	48	18	such	such	ADJ
ajbmeb-659	48	19	as	as	ADP
ajbmeb-659	48	20	over	over	ADP
ajbmeb-659	48	21	-	-	PUNCT
ajbmeb-659	48	22	lending	lending	NOUN
ajbmeb-659	48	23	to	to	ADP
ajbmeb-659	48	24	a	a	DET
ajbmeb-659	48	25	particular	particular	ADJ
ajbmeb-659	48	26	industry	industry	NOUN
ajbmeb-659	48	27	or	or	CCONJ
ajbmeb-659	48	28	borrower	borrower	NOUN
ajbmeb-659	48	29	.	.	PUNCT
ajbmeb-659	49	1	by	by	ADP
ajbmeb-659	49	2	identifying	identify	VERB
ajbmeb-659	49	3	these	these	DET
ajbmeb-659	49	4	risks	risk	NOUN
ajbmeb-659	49	5	early	early	ADV
ajbmeb-659	49	6	,	,	PUNCT
ajbmeb-659	49	7	banks	bank	NOUN
ajbmeb-659	49	8	can	can	AUX
ajbmeb-659	49	9	take	take	VERB
ajbmeb-659	49	10	steps	step	NOUN
ajbmeb-659	49	11	to	to	PART
ajbmeb-659	49	12	diversify	diversify	VERB
ajbmeb-659	49	13	their	their	PRON
ajbmeb-659	49	14	portfolios	portfolio	NOUN
ajbmeb-659	49	15	and	and	CCONJ
ajbmeb-659	49	16	reduce	reduce	VERB
ajbmeb-659	49	17	overall	overall	ADJ
ajbmeb-659	49	18	risks	risk	NOUN
ajbmeb-659	49	19	.	.	PUNCT
ajbmeb-659	50	1	increasing	increase	VERB
ajbmeb-659	50	2	transparency	transparency	NOUN
ajbmeb-659	50	3	:	:	PUNCT
ajbmeb-659	50	4	early	early	ADJ
ajbmeb-659	50	5	warning	warning	NOUN
ajbmeb-659	50	6	systems	system	NOUN
ajbmeb-659	50	7	can	can	AUX
ajbmeb-659	50	8	ensure	ensure	VERB
ajbmeb-659	50	9	transparency	transparency	NOUN
ajbmeb-659	50	10	of	of	ADP
ajbmeb-659	50	11	the	the	DET
ajbmeb-659	50	12	internal	internal	ADJ
ajbmeb-659	50	13	and	and	CCONJ
ajbmeb-659	50	14	external	external	ADJ
ajbmeb-659	50	15	credit	credit	NOUN
ajbmeb-659	50	16	risk	risk	NOUN
ajbmeb-659	50	17	management	management	NOUN
ajbmeb-659	50	18	process	process	NOUN
ajbmeb-659	50	19	.	.	PUNCT
ajbmeb-659	51	1	this	this	PRON
ajbmeb-659	51	2	helps	help	VERB
ajbmeb-659	51	3	to	to	PART
ajbmeb-659	51	4	build	build	VERB
ajbmeb-659	51	5	trust	trust	NOUN
ajbmeb-659	51	6	among	among	ADP
ajbmeb-659	51	7	shareholders	shareholder	NOUN
ajbmeb-659	51	8	such	such	ADJ
ajbmeb-659	51	9	as	as	ADP
ajbmeb-659	51	10	investors	investor	NOUN
ajbmeb-659	51	11	and	and	CCONJ
ajbmeb-659	51	12	customers	customer	NOUN
ajbmeb-659	51	13	.	.	PUNCT
ajbmeb-659	52	1	advanced	advanced	ADJ
ajbmeb-659	52	2	fraud	fraud	NOUN
ajbmeb-659	52	3	detection	detection	NOUN
ajbmeb-659	52	4	:	:	PUNCT
ajbmeb-659	52	5	early	early	ADJ
ajbmeb-659	52	6	warning	warning	NOUN
ajbmeb-659	52	7	systems	system	NOUN
ajbmeb-659	52	8	help	help	VERB
ajbmeb-659	52	9	banks	bank	NOUN
ajbmeb-659	52	10	to	to	PART
ajbmeb-659	52	11	detect	detect	VERB
ajbmeb-659	52	12	fraudulent	fraudulent	ADJ
ajbmeb-659	52	13	situations	situation	NOUN
ajbmeb-659	52	14	such	such	ADJ
ajbmeb-659	52	15	as	as	ADP
ajbmeb-659	52	16	customer	customer	NOUN
ajbmeb-659	52	17	-	-	PUNCT
ajbmeb-659	52	18	wide	wide	ADJ
ajbmeb-659	52	19	loan	loan	NOUN
ajbmeb-659	52	20	fraud	fraud	NOUN
ajbmeb-659	52	21	from	from	ADP
ajbmeb-659	52	22	different	different	ADJ
ajbmeb-659	52	23	banks	bank	NOUN
ajbmeb-659	52	24	or	or	CCONJ
ajbmeb-659	52	25	theft	theft	NOUN
ajbmeb-659	52	26	of	of	ADP
ajbmeb-659	52	27	customer	customer	NOUN
ajbmeb-659	52	28	personal	personal	ADJ
ajbmeb-659	52	29	information	information	NOUN
ajbmeb-659	52	30	.	.	PUNCT
ajbmeb-659	53	1	by	by	ADP
ajbmeb-659	53	2	identifying	identify	VERB
ajbmeb-659	53	3	these	these	DET
ajbmeb-659	53	4	risks	risk	NOUN
ajbmeb-659	53	5	early	early	ADV
ajbmeb-659	53	6	,	,	PUNCT
ajbmeb-659	53	7	banks	bank	NOUN
ajbmeb-659	53	8	can	can	AUX
ajbmeb-659	53	9	take	take	VERB
ajbmeb-659	53	10	steps	step	NOUN
ajbmeb-659	53	11	to	to	PART
ajbmeb-659	53	12	prevent	prevent	VERB
ajbmeb-659	53	13	fraud	fraud	NOUN
ajbmeb-659	53	14	and	and	CCONJ
ajbmeb-659	53	15	minimize	minimize	VERB
ajbmeb-659	53	16	losses	loss	NOUN
ajbmeb-659	53	17	.	.	PUNCT
ajbmeb-659	54	1	additional	additional	ADJ
ajbmeb-659	54	2	benefits	benefit	NOUN
ajbmeb-659	54	3	of	of	ADP
ajbmeb-659	54	4	early	early	ADJ
ajbmeb-659	54	5	warning	warning	NOUN
ajbmeb-659	54	6	systems	system	NOUN
ajbmeb-659	54	7	in	in	ADP
ajbmeb-659	54	8	banks	bank	NOUN
ajbmeb-659	54	9	include	include	VERB
ajbmeb-659	54	10	:	:	PUNCT
ajbmeb-659	54	11	improve	improve	VERB
ajbmeb-659	54	12	decision	decision	NOUN
ajbmeb-659	54	13	-	-	PUNCT
ajbmeb-659	54	14	making	making	NOUN
ajbmeb-659	54	15	:	:	PUNCT
ajbmeb-659	54	16	early	early	ADJ
ajbmeb-659	54	17	warning	warning	NOUN
ajbmeb-659	54	18	systems	system	NOUN
ajbmeb-659	54	19	provide	provide	VERB
ajbmeb-659	54	20	banks	bank	NOUN
ajbmeb-659	54	21	with	with	ADP
ajbmeb-659	54	22	real	real	ADJ
ajbmeb-659	54	23	-	-	PUNCT
ajbmeb-659	54	24	time	time	NOUN
ajbmeb-659	54	25	information	information	NOUN
ajbmeb-659	54	26	on	on	ADP
ajbmeb-659	54	27	the	the	DET
ajbmeb-659	54	28	financial	financial	ADJ
ajbmeb-659	54	29	status	status	NOUN
ajbmeb-659	54	30	of	of	ADP
ajbmeb-659	54	31	their	their	PRON
ajbmeb-659	54	32	borrowers	borrower	NOUN
ajbmeb-659	54	33	,	,	PUNCT
ajbmeb-659	54	34	allowing	allow	VERB
ajbmeb-659	54	35	them	they	PRON
ajbmeb-659	54	36	to	to	PART
ajbmeb-659	54	37	make	make	VERB
ajbmeb-659	54	38	informed	informed	ADJ
ajbmeb-659	54	39	decisions	decision	NOUN
ajbmeb-659	54	40	about	about	ADP
ajbmeb-659	54	41	credit	credit	NOUN
ajbmeb-659	54	42	risk	risk	NOUN
ajbmeb-659	54	43	management	management	NOUN
ajbmeb-659	54	44	and	and	CCONJ
ajbmeb-659	54	45	portfolio	portfolio	NOUN
ajbmeb-659	54	46	management	management	NOUN
ajbmeb-659	54	47	.	.	PUNCT
ajbmeb-659	55	1	improve	improve	VERB
ajbmeb-659	55	2	efficiency	efficiency	NOUN
ajbmeb-659	55	3	:	:	PUNCT
ajbmeb-659	55	4	by	by	ADP
ajbmeb-659	55	5	automating	automate	VERB
ajbmeb-659	55	6	the	the	DET
ajbmeb-659	55	7	risk	risk	NOUN
ajbmeb-659	55	8	assessment	assessment	NOUN
ajbmeb-659	55	9	process	process	NOUN
ajbmeb-659	55	10	,	,	PUNCT
ajbmeb-659	55	11	early	early	ADJ
ajbmeb-659	55	12	warning	warning	NOUN
ajbmeb-659	55	13	systems	system	NOUN
ajbmeb-659	55	14	help	help	VERB
ajbmeb-659	55	15	banks	bank	NOUN
ajbmeb-659	55	16	reduce	reduce	VERB
ajbmeb-659	55	17	the	the	DET
ajbmeb-659	55	18	time	time	NOUN
ajbmeb-659	55	19	and	and	CCONJ
ajbmeb-659	55	20	resources	resource	NOUN
ajbmeb-659	55	21	needed	need	VERB
ajbmeb-659	55	22	to	to	PART
ajbmeb-659	55	23	manage	manage	VERB
ajbmeb-659	55	24	credit	credit	NOUN
ajbmeb-659	55	25	risks	risk	NOUN
ajbmeb-659	55	26	.	.	PUNCT
ajbmeb-659	56	1	advanced	advanced	ADJ
ajbmeb-659	56	2	risk	risk	NOUN
ajbmeb-659	56	3	management	management	NOUN
ajbmeb-659	56	4	:	:	PUNCT
ajbmeb-659	56	5	early	early	ADJ
ajbmeb-659	56	6	warning	warning	NOUN
ajbmeb-659	56	7	systems	system	NOUN
ajbmeb-659	56	8	help	help	VERB
ajbmeb-659	56	9	banks	bank	NOUN
ajbmeb-659	56	10	identify	identify	VERB
ajbmeb-659	56	11	emerging	emerge	VERB
ajbmeb-659	56	12	risks	risk	NOUN
ajbmeb-659	56	13	and	and	CCONJ
ajbmeb-659	56	14	take	take	VERB
ajbmeb-659	56	15	proactive	proactive	ADJ
ajbmeb-659	56	16	measures	measure	NOUN
ajbmeb-659	56	17	to	to	PART
ajbmeb-659	56	18	mitigate	mitigate	VERB
ajbmeb-659	56	19	these	these	DET
ajbmeb-659	56	20	risks	risk	NOUN
ajbmeb-659	56	21	,	,	PUNCT
ajbmeb-659	56	22	such	such	ADJ
ajbmeb-659	56	23	as	as	ADP
ajbmeb-659	56	24	increasing	increase	VERB
ajbmeb-659	56	25	provisions	provision	NOUN
ajbmeb-659	56	26	for	for	ADP
ajbmeb-659	56	27	potential	potential	ADJ
ajbmeb-659	56	28	losses	loss	NOUN
ajbmeb-659	56	29	or	or	CCONJ
ajbmeb-659	56	30	reducing	reduce	VERB
ajbmeb-659	56	31	lending	lending	NOUN
ajbmeb-659	56	32	to	to	ADP
ajbmeb-659	56	33	certain	certain	ADJ
ajbmeb-659	56	34	sectors	sector	NOUN
ajbmeb-659	56	35	.	.	PUNCT
ajbmeb-659	57	1	improve	improve	VERB
ajbmeb-659	57	2	customer	customer	NOUN
ajbmeb-659	57	3	service	service	NOUN
ajbmeb-659	57	4	:	:	PUNCT
ajbmeb-659	57	5	by	by	ADP
ajbmeb-659	57	6	identifying	identify	VERB
ajbmeb-659	57	7	customers	customer	NOUN
ajbmeb-659	57	8	facing	face	VERB
ajbmeb-659	57	9	financial	financial	ADJ
ajbmeb-659	57	10	difficulties	difficulty	NOUN
ajbmeb-659	57	11	with	with	ADP
ajbmeb-659	57	12	early	early	ADJ
ajbmeb-659	57	13	warning	warning	NOUN
ajbmeb-659	57	14	systems	system	NOUN
ajbmeb-659	57	15	,	,	PUNCT
ajbmeb-659	57	16	the	the	DET
ajbmeb-659	57	17	bank	bank	NOUN
ajbmeb-659	57	18	can	can	AUX
ajbmeb-659	57	19	help	help	VERB
ajbmeb-659	57	20	them	they	PRON
ajbmeb-659	57	21	provide	provide	VERB
ajbmeb-659	57	22	tailored	tailored	ADJ
ajbmeb-659	57	23	solutions	solution	NOUN
ajbmeb-659	57	24	and	and	CCONJ
ajbmeb-659	57	25	support	support	NOUN
ajbmeb-659	57	26	,	,	PUNCT
ajbmeb-659	57	27	such	such	ADJ
ajbmeb-659	57	28	as	as	ADP
ajbmeb-659	57	29	debt	debt	NOUN
ajbmeb-659	57	30	restructuring	restructuring	NOUN
ajbmeb-659	57	31	or	or	CCONJ
ajbmeb-659	57	32	financial	financial	ADJ
ajbmeb-659	57	33	advice	advice	NOUN
ajbmeb-659	57	34	.	.	PUNCT
ajbmeb-659	58	1	improve	improve	VERB
ajbmeb-659	58	2	profitability	profitability	NOUN
ajbmeb-659	58	3	:	:	PUNCT
ajbmeb-659	58	4	by	by	ADP
ajbmeb-659	58	5	reducing	reduce	VERB
ajbmeb-659	58	6	loan	loan	NOUN
ajbmeb-659	58	7	losses	loss	NOUN
ajbmeb-659	58	8	and	and	CCONJ
ajbmeb-659	58	9	improving	improve	VERB
ajbmeb-659	58	10	portfolio	portfolio	NOUN
ajbmeb-659	58	11	management	management	NOUN
ajbmeb-659	58	12	,	,	PUNCT
ajbmeb-659	58	13	early	early	ADJ
ajbmeb-659	58	14	warning	warning	NOUN
ajbmeb-659	58	15	systems	system	NOUN
ajbmeb-659	58	16	help	help	VERB
ajbmeb-659	58	17	banks	bank	NOUN
ajbmeb-659	58	18	improve	improve	VERB
ajbmeb-659	58	19	their	their	PRON
ajbmeb-659	58	20	profitability	profitability	NOUN
ajbmeb-659	58	21	and	and	CCONJ
ajbmeb-659	58	22	financial	financial	ADJ
ajbmeb-659	58	23	performance	performance	NOUN
ajbmeb-659	58	24	.	.	PUNCT
ajbmeb-659	59	1	american	american	ADJ
ajbmeb-659	59	2	journal	journal	PROPN
ajbmeb-659	59	3	of	of	ADP
ajbmeb-659	59	4	business	business	NOUN
ajbmeb-659	59	5	management	management	NOUN
ajbmeb-659	59	6	,	,	PUNCT
ajbmeb-659	59	7	economics	economic	NOUN
ajbmeb-659	59	8	and	and	CCONJ
ajbmeb-659	59	9	banking	banking	NOUN
ajbmeb-659	59	10	volume	volume	NOUN
ajbmeb-659	59	11	11	11	NUM
ajbmeb-659	59	12	april	april	PROPN
ajbmeb-659	59	13	,	,	PUNCT
ajbmeb-659	59	14	2023	2023	NUM
ajbmeb-659	59	15	p	p	NOUN
ajbmeb-659	59	16	a	a	DET
ajbmeb-659	59	17	g	g	NOUN
ajbmeb-659	59	18	e	e	NOUN
ajbmeb-659	59	19	|	|	ADV
ajbmeb-659	59	20	92	92	NUM
ajbmeb-659	59	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-659	59	22	figure	figure	NOUN
ajbmeb-659	59	23	1	1	NUM
ajbmeb-659	59	24	.	.	PUNCT
ajbmeb-659	60	1	early	early	ADJ
ajbmeb-659	60	2	warning	warning	NOUN
ajbmeb-659	60	3	indicators	indicator	NOUN
ajbmeb-659	60	4	in	in	ADP
ajbmeb-659	60	5	risk	risk	NOUN
ajbmeb-659	60	6	management	management	NOUN
ajbmeb-659	60	7	include	include	VERB
ajbmeb-659	60	8	[	[	X
ajbmeb-659	60	9	9	9	NUM
ajbmeb-659	60	10	]	]	X
ajbmeb-659	60	11	early	early	ADJ
ajbmeb-659	60	12	warning	warning	NOUN
ajbmeb-659	60	13	indicators	indicator	NOUN
ajbmeb-659	60	14	are	be	AUX
ajbmeb-659	60	15	signals	signal	NOUN
ajbmeb-659	60	16	that	that	PRON
ajbmeb-659	60	17	can	can	AUX
ajbmeb-659	60	18	alert	alert	VERB
ajbmeb-659	60	19	risk	risk	NOUN
ajbmeb-659	60	20	managers	manager	NOUN
ajbmeb-659	60	21	to	to	ADP
ajbmeb-659	60	22	potential	potential	ADJ
ajbmeb-659	60	23	problems	problem	NOUN
ajbmeb-659	60	24	in	in	ADP
ajbmeb-659	60	25	time	time	NOUN
ajbmeb-659	60	26	,	,	PUNCT
ajbmeb-659	60	27	allowing	allow	VERB
ajbmeb-659	60	28	them	they	PRON
ajbmeb-659	60	29	to	to	PART
ajbmeb-659	60	30	take	take	VERB
ajbmeb-659	60	31	proactive	proactive	ADJ
ajbmeb-659	60	32	steps	step	NOUN
ajbmeb-659	60	33	to	to	PART
ajbmeb-659	60	34	mitigate	mitigate	VERB
ajbmeb-659	60	35	risks	risk	NOUN
ajbmeb-659	60	36	before	before	SCONJ
ajbmeb-659	60	37	they	they	PRON
ajbmeb-659	60	38	become	become	VERB
ajbmeb-659	60	39	major	major	ADJ
ajbmeb-659	60	40	problems	problem	NOUN
ajbmeb-659	60	41	.	.	PUNCT
ajbmeb-659	61	1	some	some	DET
ajbmeb-659	61	2	common	common	ADJ
ajbmeb-659	61	3	early	early	ADJ
ajbmeb-659	61	4	warning	warning	NOUN
ajbmeb-659	61	5	indicators	indicator	NOUN
ajbmeb-659	61	6	in	in	ADP
ajbmeb-659	61	7	risk	risk	NOUN
ajbmeb-659	61	8	management	management	NOUN
ajbmeb-659	61	9	include	include	VERB
ajbmeb-659	61	10	:	:	PUNCT
ajbmeb-659	61	11	➢	➢	VERB
ajbmeb-659	61	12	financial	financial	ADJ
ajbmeb-659	61	13	ratios	ratio	NOUN
ajbmeb-659	61	14	:	:	PUNCT
ajbmeb-659	61	15	financial	financial	ADJ
ajbmeb-659	61	16	ratios	ratio	NOUN
ajbmeb-659	61	17	such	such	ADJ
ajbmeb-659	61	18	as	as	ADP
ajbmeb-659	61	19	liability	liability	NOUN
ajbmeb-659	61	20	to	to	ADP
ajbmeb-659	61	21	equity	equity	NOUN
ajbmeb-659	61	22	ratio	ratio	NOUN
ajbmeb-659	61	23	,	,	PUNCT
ajbmeb-659	61	24	liquidity	liquidity	NOUN
ajbmeb-659	61	25	ratio	ratio	NOUN
ajbmeb-659	61	26	and	and	CCONJ
ajbmeb-659	61	27	profitability	profitability	NOUN
ajbmeb-659	61	28	ratio	ratio	NOUN
ajbmeb-659	61	29	can	can	AUX
ajbmeb-659	61	30	be	be	AUX
ajbmeb-659	61	31	used	use	VERB
ajbmeb-659	61	32	as	as	ADP
ajbmeb-659	61	33	early	early	ADJ
ajbmeb-659	61	34	warning	warning	NOUN
ajbmeb-659	61	35	indicators	indicator	NOUN
ajbmeb-659	61	36	of	of	ADP
ajbmeb-659	61	37	potential	potential	ADJ
ajbmeb-659	61	38	financial	financial	ADJ
ajbmeb-659	61	39	distress	distress	NOUN
ajbmeb-659	61	40	.	.	PUNCT
ajbmeb-659	62	1	by	by	ADP
ajbmeb-659	62	2	monitoring	monitor	VERB
ajbmeb-659	62	3	these	these	DET
ajbmeb-659	62	4	ratios	ratio	NOUN
ajbmeb-659	62	5	,	,	PUNCT
ajbmeb-659	62	6	risk	risk	NOUN
ajbmeb-659	62	7	managers	manager	NOUN
ajbmeb-659	62	8	can	can	AUX
ajbmeb-659	62	9	identify	identify	VERB
ajbmeb-659	62	10	changes	change	NOUN
ajbmeb-659	62	11	in	in	ADP
ajbmeb-659	62	12	the	the	DET
ajbmeb-659	62	13	borrower	borrower	NOUN
ajbmeb-659	62	14	’s	’s	PART
ajbmeb-659	62	15	financial	financial	ADJ
ajbmeb-659	62	16	condition	condition	NOUN
ajbmeb-659	62	17	and	and	CCONJ
ajbmeb-659	62	18	take	take	VERB
ajbmeb-659	62	19	appropriate	appropriate	ADJ
ajbmeb-659	62	20	action	action	NOUN
ajbmeb-659	62	21	.	.	PUNCT
ajbmeb-659	63	1	➢	➢	VERB
ajbmeb-659	63	2	credit	credit	NOUN
ajbmeb-659	63	3	ratings	rating	NOUN
ajbmeb-659	63	4	:	:	PUNCT
ajbmeb-659	63	5	credit	credit	NOUN
ajbmeb-659	63	6	ratings	rating	NOUN
ajbmeb-659	63	7	issued	issue	VERB
ajbmeb-659	63	8	by	by	ADP
ajbmeb-659	63	9	credit	credit	NOUN
ajbmeb-659	63	10	rating	rating	NOUN
ajbmeb-659	63	11	agencies	agency	NOUN
ajbmeb-659	63	12	can	can	AUX
ajbmeb-659	63	13	be	be	AUX
ajbmeb-659	63	14	used	use	VERB
ajbmeb-659	63	15	as	as	ADP
ajbmeb-659	63	16	early	early	ADJ
ajbmeb-659	63	17	warning	warning	NOUN
ajbmeb-659	63	18	indicators	indicator	NOUN
ajbmeb-659	63	19	of	of	ADP
ajbmeb-659	63	20	potential	potential	ADJ
ajbmeb-659	63	21	credit	credit	NOUN
ajbmeb-659	63	22	risk	risk	NOUN
ajbmeb-659	63	23	.	.	PUNCT
ajbmeb-659	64	1	lowering	lower	VERB
ajbmeb-659	64	2	the	the	DET
ajbmeb-659	64	3	borrower	borrower	NOUN
ajbmeb-659	64	4	's	's	PART
ajbmeb-659	64	5	credit	credit	NOUN
ajbmeb-659	64	6	rating	rating	NOUN
ajbmeb-659	64	7	indicates	indicate	VERB
ajbmeb-659	64	8	a	a	DET
ajbmeb-659	64	9	deterioration	deterioration	NOUN
ajbmeb-659	64	10	in	in	ADP
ajbmeb-659	64	11	the	the	DET
ajbmeb-659	64	12	borrower	borrower	NOUN
ajbmeb-659	64	13	’s	’s	PART
ajbmeb-659	64	14	creditworthiness	creditworthiness	NOUN
ajbmeb-659	64	15	and	and	CCONJ
ajbmeb-659	64	16	increases	increase	VERB
ajbmeb-659	64	17	the	the	DET
ajbmeb-659	64	18	risk	risk	NOUN
ajbmeb-659	64	19	of	of	ADP
ajbmeb-659	64	20	default	default	NOUN
ajbmeb-659	64	21	.	.	PUNCT
ajbmeb-659	65	1	➢	➢	VERB
ajbmeb-659	65	2	market	market	NOUN
ajbmeb-659	65	3	trends	trend	NOUN
ajbmeb-659	65	4	:	:	PUNCT
ajbmeb-659	65	5	changes	change	NOUN
ajbmeb-659	65	6	in	in	ADP
ajbmeb-659	65	7	market	market	NOUN
ajbmeb-659	65	8	trends	trend	NOUN
ajbmeb-659	65	9	such	such	ADJ
ajbmeb-659	65	10	as	as	ADP
ajbmeb-659	65	11	interest	interest	NOUN
ajbmeb-659	65	12	rates	rate	NOUN
ajbmeb-659	65	13	,	,	PUNCT
ajbmeb-659	65	14	commodity	commodity	NOUN
ajbmeb-659	65	15	prices	price	NOUN
ajbmeb-659	65	16	and	and	CCONJ
ajbmeb-659	65	17	exchange	exchange	NOUN
ajbmeb-659	65	18	rates	rate	NOUN
ajbmeb-659	65	19	can	can	AUX
ajbmeb-659	65	20	be	be	AUX
ajbmeb-659	65	21	used	use	VERB
ajbmeb-659	65	22	as	as	ADP
ajbmeb-659	65	23	early	early	ADJ
ajbmeb-659	65	24	warning	warning	NOUN
ajbmeb-659	65	25	indicators	indicator	NOUN
ajbmeb-659	65	26	of	of	ADP
ajbmeb-659	65	27	potential	potential	ADJ
ajbmeb-659	65	28	risks	risk	NOUN
ajbmeb-659	65	29	.	.	PUNCT
ajbmeb-659	66	1	by	by	ADP
ajbmeb-659	66	2	monitoring	monitor	VERB
ajbmeb-659	66	3	market	market	NOUN
ajbmeb-659	66	4	trends	trend	NOUN
ajbmeb-659	66	5	,	,	PUNCT
ajbmeb-659	66	6	risk	risk	NOUN
ajbmeb-659	66	7	managers	manager	NOUN
ajbmeb-659	66	8	can	can	AUX
ajbmeb-659	66	9	identify	identify	VERB
ajbmeb-659	66	10	emerging	emerge	VERB
ajbmeb-659	66	11	risks	risk	NOUN
ajbmeb-659	66	12	and	and	CCONJ
ajbmeb-659	66	13	take	take	VERB
ajbmeb-659	66	14	appropriate	appropriate	ADJ
ajbmeb-659	66	15	action	action	NOUN
ajbmeb-659	66	16	.	.	PUNCT
ajbmeb-659	67	1	➢	➢	VERB
ajbmeb-659	67	2	operational	operational	ADJ
ajbmeb-659	67	3	metrics	metric	NOUN
ajbmeb-659	67	4	:	:	PUNCT
ajbmeb-659	68	1	operational	operational	ADJ
ajbmeb-659	68	2	metrics	metric	NOUN
ajbmeb-659	68	3	such	such	ADJ
ajbmeb-659	68	4	as	as	ADP
ajbmeb-659	68	5	customer	customer	NOUN
ajbmeb-659	68	6	complaints	complaint	NOUN
ajbmeb-659	68	7	,	,	PUNCT
ajbmeb-659	68	8	employee	employee	NOUN
ajbmeb-659	68	9	dissatisfaction	dissatisfaction	NOUN
ajbmeb-659	68	10	,	,	PUNCT
ajbmeb-659	68	11	and	and	CCONJ
ajbmeb-659	68	12	productivity	productivity	NOUN
ajbmeb-659	68	13	can	can	AUX
ajbmeb-659	68	14	be	be	AUX
ajbmeb-659	68	15	used	use	VERB
ajbmeb-659	68	16	as	as	ADP
ajbmeb-659	68	17	early	early	ADJ
ajbmeb-659	68	18	warning	warning	NOUN
ajbmeb-659	68	19	indicators	indicator	NOUN
ajbmeb-659	68	20	of	of	ADP
ajbmeb-659	68	21	potential	potential	ADJ
ajbmeb-659	68	22	operational	operational	ADJ
ajbmeb-659	68	23	risks	risk	NOUN
ajbmeb-659	68	24	.	.	PUNCT
ajbmeb-659	69	1	by	by	ADP
ajbmeb-659	69	2	monitoring	monitor	VERB
ajbmeb-659	69	3	these	these	DET
ajbmeb-659	69	4	indicators	indicator	NOUN
ajbmeb-659	69	5	,	,	PUNCT
ajbmeb-659	69	6	risk	risk	NOUN
ajbmeb-659	69	7	managers	manager	NOUN
ajbmeb-659	69	8	can	can	AUX
ajbmeb-659	69	9	identify	identify	VERB
ajbmeb-659	69	10	emerging	emerge	VERB
ajbmeb-659	69	11	risks	risk	NOUN
ajbmeb-659	69	12	and	and	CCONJ
ajbmeb-659	69	13	take	take	VERB
ajbmeb-659	69	14	appropriate	appropriate	ADJ
ajbmeb-659	69	15	action	action	NOUN
ajbmeb-659	69	16	.	.	PUNCT
ajbmeb-659	70	1	➢	➢	VERB
ajbmeb-659	70	2	regulatory	regulatory	ADJ
ajbmeb-659	70	3	compliance	compliance	NOUN
ajbmeb-659	70	4	:	:	PUNCT
ajbmeb-659	70	5	non	non	ADJ
ajbmeb-659	70	6	-	-	NOUN
ajbmeb-659	70	7	compliance	compliance	NOUN
ajbmeb-659	70	8	with	with	ADP
ajbmeb-659	70	9	regulatory	regulatory	ADJ
ajbmeb-659	70	10	requirements	requirement	NOUN
ajbmeb-659	70	11	can	can	AUX
ajbmeb-659	70	12	be	be	AUX
ajbmeb-659	70	13	used	use	VERB
ajbmeb-659	70	14	as	as	ADP
ajbmeb-659	70	15	an	an	DET
ajbmeb-659	70	16	early	early	ADJ
ajbmeb-659	70	17	warning	warning	NOUN
ajbmeb-659	70	18	indicator	indicator	NOUN
ajbmeb-659	70	19	of	of	ADP
ajbmeb-659	70	20	potential	potential	ADJ
ajbmeb-659	70	21	legal	legal	ADJ
ajbmeb-659	70	22	and	and	CCONJ
ajbmeb-659	70	23	reputational	reputational	ADJ
ajbmeb-659	70	24	risks	risk	NOUN
ajbmeb-659	70	25	.	.	PUNCT
ajbmeb-659	71	1	by	by	ADP
ajbmeb-659	71	2	monitoring	monitor	VERB
ajbmeb-659	71	3	compliance	compliance	NOUN
ajbmeb-659	71	4	with	with	ADP
ajbmeb-659	71	5	regulatory	regulatory	ADJ
ajbmeb-659	71	6	and	and	CCONJ
ajbmeb-659	71	7	legal	legal	ADJ
ajbmeb-659	71	8	documents	document	NOUN
ajbmeb-659	71	9	,	,	PUNCT
ajbmeb-659	71	10	risk	risk	NOUN
ajbmeb-659	71	11	managers	manager	NOUN
ajbmeb-659	71	12	can	can	AUX
ajbmeb-659	71	13	identify	identify	VERB
ajbmeb-659	71	14	emerging	emerge	VERB
ajbmeb-659	71	15	risks	risk	NOUN
ajbmeb-659	71	16	and	and	CCONJ
ajbmeb-659	71	17	take	take	VERB
ajbmeb-659	71	18	appropriate	appropriate	ADJ
ajbmeb-659	71	19	measures	measure	NOUN
ajbmeb-659	71	20	.	.	PUNCT
ajbmeb-659	72	1	➢	➢	VERB
ajbmeb-659	72	2	external	external	ADJ
ajbmeb-659	72	3	events	event	NOUN
ajbmeb-659	72	4	:	:	PUNCT
ajbmeb-659	72	5	external	external	ADJ
ajbmeb-659	72	6	events	event	NOUN
ajbmeb-659	72	7	such	such	ADJ
ajbmeb-659	72	8	as	as	ADP
ajbmeb-659	72	9	natural	natural	ADJ
ajbmeb-659	72	10	disasters	disaster	NOUN
ajbmeb-659	72	11	,	,	PUNCT
ajbmeb-659	72	12	political	political	ADJ
ajbmeb-659	72	13	instability	instability	NOUN
ajbmeb-659	72	14	and	and	CCONJ
ajbmeb-659	72	15	economic	economic	ADJ
ajbmeb-659	72	16	downturns	downturn	NOUN
ajbmeb-659	72	17	can	can	AUX
ajbmeb-659	72	18	be	be	AUX
ajbmeb-659	72	19	used	use	VERB
ajbmeb-659	72	20	as	as	ADP
ajbmeb-659	72	21	early	early	ADJ
ajbmeb-659	72	22	warning	warning	NOUN
ajbmeb-659	72	23	indicators	indicator	NOUN
ajbmeb-659	72	24	of	of	ADP
ajbmeb-659	72	25	potential	potential	ADJ
ajbmeb-659	72	26	risks	risk	NOUN
ajbmeb-659	72	27	.	.	PUNCT
ajbmeb-659	73	1	by	by	ADP
ajbmeb-659	73	2	monitoring	monitor	VERB
ajbmeb-659	73	3	external	external	ADJ
ajbmeb-659	73	4	events	event	NOUN
ajbmeb-659	73	5	,	,	PUNCT
ajbmeb-659	73	6	risk	risk	NOUN
ajbmeb-659	73	7	managers	manager	NOUN
ajbmeb-659	73	8	can	can	AUX
ajbmeb-659	73	9	identify	identify	VERB
ajbmeb-659	73	10	emerging	emerge	VERB
ajbmeb-659	73	11	risks	risk	NOUN
ajbmeb-659	73	12	and	and	CCONJ
ajbmeb-659	73	13	take	take	VERB
ajbmeb-659	73	14	appropriate	appropriate	ADJ
ajbmeb-659	73	15	action	action	NOUN
ajbmeb-659	73	16	.	.	PUNCT
ajbmeb-659	74	1	➢	➢	VERB
ajbmeb-659	74	2	internal	internal	ADJ
ajbmeb-659	74	3	control	control	NOUN
ajbmeb-659	74	4	:	:	PUNCT
ajbmeb-659	74	5	internal	internal	ADJ
ajbmeb-659	74	6	control	control	NOUN
ajbmeb-659	74	7	weaknesses	weakness	NOUN
ajbmeb-659	74	8	such	such	ADJ
ajbmeb-659	74	9	as	as	ADP
ajbmeb-659	74	10	inadequate	inadequate	ADJ
ajbmeb-659	74	11	segregation	segregation	NOUN
ajbmeb-659	74	12	of	of	ADP
ajbmeb-659	74	13	duties	duty	NOUN
ajbmeb-659	74	14	,	,	PUNCT
ajbmeb-659	74	15	lack	lack	NOUN
ajbmeb-659	74	16	of	of	ADP
ajbmeb-659	74	17	oversight	oversight	NOUN
ajbmeb-659	74	18	and	and	CCONJ
ajbmeb-659	74	19	ineffective	ineffective	ADJ
ajbmeb-659	74	20	monitoring	monitoring	NOUN
ajbmeb-659	74	21	can	can	AUX
ajbmeb-659	74	22	be	be	AUX
ajbmeb-659	74	23	used	use	VERB
ajbmeb-659	74	24	as	as	ADP
ajbmeb-659	74	25	early	early	ADJ
ajbmeb-659	74	26	warning	warning	NOUN
ajbmeb-659	74	27	indicators	indicator	NOUN
ajbmeb-659	74	28	of	of	ADP
ajbmeb-659	74	29	potential	potential	ADJ
ajbmeb-659	74	30	operational	operational	ADJ
ajbmeb-659	74	31	american	american	ADJ
ajbmeb-659	74	32	journal	journal	PROPN
ajbmeb-659	74	33	of	of	ADP
ajbmeb-659	74	34	business	business	NOUN
ajbmeb-659	74	35	management	management	NOUN
ajbmeb-659	74	36	,	,	PUNCT
ajbmeb-659	74	37	economics	economic	NOUN
ajbmeb-659	74	38	and	and	CCONJ
ajbmeb-659	74	39	banking	banking	NOUN
ajbmeb-659	74	40	volume	volume	NOUN
ajbmeb-659	74	41	11	11	NUM
ajbmeb-659	74	42	april	april	PROPN
ajbmeb-659	74	43	,	,	PUNCT
ajbmeb-659	74	44	2023	2023	NUM
ajbmeb-659	74	45	p	p	NOUN
ajbmeb-659	74	46	a	a	DET
ajbmeb-659	74	47	g	g	NOUN
ajbmeb-659	74	48	e	e	NOUN
ajbmeb-659	74	49	|	|	ADV
ajbmeb-659	74	50	93	93	NUM
ajbmeb-659	74	51	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-659	74	52	and	and	CCONJ
ajbmeb-659	74	53	financial	financial	ADJ
ajbmeb-659	74	54	risks	risk	NOUN
ajbmeb-659	74	55	.	.	PUNCT
ajbmeb-659	75	1	by	by	ADP
ajbmeb-659	75	2	monitoring	monitor	VERB
ajbmeb-659	75	3	internal	internal	ADJ
ajbmeb-659	75	4	controls	control	NOUN
ajbmeb-659	75	5	,	,	PUNCT
ajbmeb-659	75	6	risk	risk	NOUN
ajbmeb-659	75	7	managers	manager	NOUN
ajbmeb-659	75	8	can	can	AUX
ajbmeb-659	75	9	identify	identify	VERB
ajbmeb-659	75	10	emerging	emerge	VERB
ajbmeb-659	75	11	risks	risk	NOUN
ajbmeb-659	75	12	and	and	CCONJ
ajbmeb-659	75	13	take	take	VERB
ajbmeb-659	75	14	appropriate	appropriate	ADJ
ajbmeb-659	75	15	action	action	NOUN
ajbmeb-659	75	16	.	.	PUNCT
ajbmeb-659	76	1	➢	➢	VERB
ajbmeb-659	76	2	customer	customer	NOUN
ajbmeb-659	76	3	behavior	behavior	NOUN
ajbmeb-659	76	4	:	:	PUNCT
ajbmeb-659	76	5	changes	change	NOUN
ajbmeb-659	76	6	in	in	ADP
ajbmeb-659	76	7	customer	customer	NOUN
ajbmeb-659	76	8	behavior	behavior	NOUN
ajbmeb-659	76	9	such	such	ADJ
ajbmeb-659	76	10	as	as	ADP
ajbmeb-659	76	11	late	late	ADJ
ajbmeb-659	76	12	payments	payment	NOUN
ajbmeb-659	76	13	,	,	PUNCT
ajbmeb-659	76	14	increased	increase	VERB
ajbmeb-659	76	15	disputes	dispute	NOUN
ajbmeb-659	76	16	,	,	PUNCT
ajbmeb-659	76	17	and	and	CCONJ
ajbmeb-659	76	18	changes	change	NOUN
ajbmeb-659	76	19	in	in	ADP
ajbmeb-659	76	20	cost	cost	NOUN
ajbmeb-659	76	21	structure	structure	NOUN
ajbmeb-659	76	22	can	can	AUX
ajbmeb-659	76	23	be	be	AUX
ajbmeb-659	76	24	used	use	VERB
ajbmeb-659	76	25	as	as	ADP
ajbmeb-659	76	26	early	early	ADJ
ajbmeb-659	76	27	warning	warning	NOUN
ajbmeb-659	76	28	indicators	indicator	NOUN
ajbmeb-659	76	29	of	of	ADP
ajbmeb-659	76	30	potential	potential	ADJ
ajbmeb-659	76	31	credit	credit	NOUN
ajbmeb-659	76	32	and	and	CCONJ
ajbmeb-659	76	33	operational	operational	ADJ
ajbmeb-659	76	34	risks	risk	NOUN
ajbmeb-659	76	35	.	.	PUNCT
ajbmeb-659	77	1	by	by	ADP
ajbmeb-659	77	2	monitoring	monitor	VERB
ajbmeb-659	77	3	customer	customer	NOUN
ajbmeb-659	77	4	behavior	behavior	NOUN
ajbmeb-659	77	5	,	,	PUNCT
ajbmeb-659	77	6	risk	risk	NOUN
ajbmeb-659	77	7	managers	manager	NOUN
ajbmeb-659	77	8	can	can	AUX
ajbmeb-659	77	9	identify	identify	VERB
ajbmeb-659	77	10	emerging	emerge	VERB
ajbmeb-659	77	11	risks	risk	NOUN
ajbmeb-659	77	12	and	and	CCONJ
ajbmeb-659	77	13	take	take	VERB
ajbmeb-659	77	14	appropriate	appropriate	ADJ
ajbmeb-659	77	15	action	action	NOUN
ajbmeb-659	77	16	.	.	PUNCT
ajbmeb-659	78	1	➢	➢	VERB
ajbmeb-659	78	2	changes	change	NOUN
ajbmeb-659	78	3	in	in	ADP
ajbmeb-659	78	4	management	management	NOUN
ajbmeb-659	78	5	:	:	PUNCT
ajbmeb-659	78	6	changes	change	NOUN
ajbmeb-659	78	7	in	in	ADP
ajbmeb-659	78	8	management	management	NOUN
ajbmeb-659	78	9	such	such	ADJ
ajbmeb-659	78	10	as	as	ADP
ajbmeb-659	78	11	dissatisfaction	dissatisfaction	NOUN
ajbmeb-659	78	12	,	,	PUNCT
ajbmeb-659	78	13	resignations	resignation	NOUN
ajbmeb-659	78	14	and	and	CCONJ
ajbmeb-659	78	15	reorganizations	reorganization	NOUN
ajbmeb-659	78	16	can	can	AUX
ajbmeb-659	78	17	be	be	AUX
ajbmeb-659	78	18	used	use	VERB
ajbmeb-659	78	19	as	as	ADP
ajbmeb-659	78	20	early	early	ADJ
ajbmeb-659	78	21	warning	warning	NOUN
ajbmeb-659	78	22	indicators	indicator	NOUN
ajbmeb-659	78	23	of	of	ADP
ajbmeb-659	78	24	potential	potential	ADJ
ajbmeb-659	78	25	operational	operational	ADJ
ajbmeb-659	78	26	and	and	CCONJ
ajbmeb-659	78	27	strategic	strategic	ADJ
ajbmeb-659	78	28	risks	risk	NOUN
ajbmeb-659	78	29	.	.	PUNCT
ajbmeb-659	79	1	by	by	ADP
ajbmeb-659	79	2	monitoring	monitor	VERB
ajbmeb-659	79	3	changes	change	NOUN
ajbmeb-659	79	4	in	in	ADP
ajbmeb-659	79	5	management	management	NOUN
ajbmeb-659	79	6	,	,	PUNCT
ajbmeb-659	79	7	risk	risk	NOUN
ajbmeb-659	79	8	managers	manager	NOUN
ajbmeb-659	79	9	can	can	AUX
ajbmeb-659	79	10	identify	identify	VERB
ajbmeb-659	79	11	emerging	emerge	VERB
ajbmeb-659	79	12	risks	risk	NOUN
ajbmeb-659	79	13	and	and	CCONJ
ajbmeb-659	79	14	take	take	VERB
ajbmeb-659	79	15	appropriate	appropriate	ADJ
ajbmeb-659	79	16	action	action	NOUN
ajbmeb-659	79	17	.	.	PUNCT
ajbmeb-659	80	1	➢	➢	VERB
ajbmeb-659	80	2	technology	technology	NOUN
ajbmeb-659	80	3	disruptions	disruption	NOUN
ajbmeb-659	80	4	:	:	PUNCT
ajbmeb-659	80	5	technology	technology	NOUN
ajbmeb-659	80	6	disruptions	disruption	NOUN
ajbmeb-659	80	7	such	such	ADJ
ajbmeb-659	80	8	as	as	ADP
ajbmeb-659	80	9	cyber	cyber	NOUN
ajbmeb-659	80	10	-	-	PUNCT
ajbmeb-659	80	11	attacks	attack	NOUN
ajbmeb-659	80	12	,	,	PUNCT
ajbmeb-659	80	13	system	system	NOUN
ajbmeb-659	80	14	failures	failure	NOUN
ajbmeb-659	80	15	and	and	CCONJ
ajbmeb-659	80	16	data	datum	NOUN
ajbmeb-659	80	17	breaches	breach	NOUN
ajbmeb-659	80	18	can	can	AUX
ajbmeb-659	80	19	be	be	AUX
ajbmeb-659	80	20	used	use	VERB
ajbmeb-659	80	21	as	as	ADP
ajbmeb-659	80	22	early	early	ADJ
ajbmeb-659	80	23	warning	warning	NOUN
ajbmeb-659	80	24	indicators	indicator	NOUN
ajbmeb-659	80	25	of	of	ADP
ajbmeb-659	80	26	potential	potential	ADJ
ajbmeb-659	80	27	operational	operational	ADJ
ajbmeb-659	80	28	and	and	CCONJ
ajbmeb-659	80	29	reputational	reputational	ADJ
ajbmeb-659	80	30	risks	risk	NOUN
ajbmeb-659	80	31	.	.	PUNCT
ajbmeb-659	81	1	by	by	ADP
ajbmeb-659	81	2	monitoring	monitor	VERB
ajbmeb-659	81	3	technological	technological	ADJ
ajbmeb-659	81	4	disruptions	disruption	NOUN
ajbmeb-659	81	5	,	,	PUNCT
ajbmeb-659	81	6	risk	risk	NOUN
ajbmeb-659	81	7	managers	manager	NOUN
ajbmeb-659	81	8	can	can	AUX
ajbmeb-659	81	9	identify	identify	VERB
ajbmeb-659	81	10	emerging	emerge	VERB
ajbmeb-659	81	11	risks	risk	NOUN
ajbmeb-659	81	12	and	and	CCONJ
ajbmeb-659	81	13	take	take	VERB
ajbmeb-659	81	14	appropriate	appropriate	ADJ
ajbmeb-659	81	15	action	action	NOUN
ajbmeb-659	81	16	.	.	PUNCT
ajbmeb-659	82	1	➢	➢	VERB
ajbmeb-659	82	2	concentration	concentration	NOUN
ajbmeb-659	82	3	risk	risk	NOUN
ajbmeb-659	82	4	:	:	PUNCT
ajbmeb-659	82	5	concentration	concentration	NOUN
ajbmeb-659	82	6	risk	risk	NOUN
ajbmeb-659	82	7	arises	arise	VERB
ajbmeb-659	82	8	when	when	SCONJ
ajbmeb-659	82	9	an	an	DET
ajbmeb-659	82	10	institution	institution	NOUN
ajbmeb-659	82	11	allocates	allocate	VERB
ajbmeb-659	82	12	large	large	ADJ
ajbmeb-659	82	13	amounts	amount	NOUN
ajbmeb-659	82	14	of	of	ADP
ajbmeb-659	82	15	loans	loan	NOUN
ajbmeb-659	82	16	to	to	ADP
ajbmeb-659	82	17	a	a	DET
ajbmeb-659	82	18	single	single	ADJ
ajbmeb-659	82	19	borrower	borrower	NOUN
ajbmeb-659	82	20	,	,	PUNCT
ajbmeb-659	82	21	industry	industry	NOUN
ajbmeb-659	82	22	,	,	PUNCT
ajbmeb-659	82	23	or	or	CCONJ
ajbmeb-659	82	24	geographic	geographic	ADJ
ajbmeb-659	82	25	region	region	NOUN
ajbmeb-659	82	26	.	.	PUNCT
ajbmeb-659	83	1	concentration	concentration	NOUN
ajbmeb-659	83	2	risk	risk	NOUN
ajbmeb-659	83	3	can	can	AUX
ajbmeb-659	83	4	be	be	AUX
ajbmeb-659	83	5	used	use	VERB
ajbmeb-659	83	6	as	as	ADP
ajbmeb-659	83	7	an	an	DET
ajbmeb-659	83	8	early	early	ADJ
ajbmeb-659	83	9	warning	warning	NOUN
ajbmeb-659	83	10	indicator	indicator	NOUN
ajbmeb-659	83	11	of	of	ADP
ajbmeb-659	83	12	potential	potential	ADJ
ajbmeb-659	83	13	credit	credit	NOUN
ajbmeb-659	83	14	and	and	CCONJ
ajbmeb-659	83	15	market	market	NOUN
ajbmeb-659	83	16	risks	risk	NOUN
ajbmeb-659	83	17	.	.	PUNCT
ajbmeb-659	84	1	by	by	ADP
ajbmeb-659	84	2	monitoring	monitor	VERB
ajbmeb-659	84	3	concentration	concentration	NOUN
ajbmeb-659	84	4	risk	risk	NOUN
ajbmeb-659	84	5	,	,	PUNCT
ajbmeb-659	84	6	risk	risk	NOUN
ajbmeb-659	84	7	managers	manager	NOUN
ajbmeb-659	84	8	can	can	AUX
ajbmeb-659	84	9	identify	identify	VERB
ajbmeb-659	84	10	emerging	emerge	VERB
ajbmeb-659	84	11	risks	risk	NOUN
ajbmeb-659	84	12	and	and	CCONJ
ajbmeb-659	84	13	take	take	VERB
ajbmeb-659	84	14	appropriate	appropriate	ADJ
ajbmeb-659	84	15	measures	measure	NOUN
ajbmeb-659	84	16	.	.	PUNCT
ajbmeb-659	85	1	➢	➢	VERB
ajbmeb-659	85	2	regulatory	regulatory	ADJ
ajbmeb-659	85	3	violations	violation	NOUN
ajbmeb-659	85	4	:	:	PUNCT
ajbmeb-659	85	5	violations	violation	NOUN
ajbmeb-659	85	6	of	of	ADP
ajbmeb-659	85	7	internal	internal	ADJ
ajbmeb-659	85	8	policies	policy	NOUN
ajbmeb-659	85	9	,	,	PUNCT
ajbmeb-659	85	10	industry	industry	NOUN
ajbmeb-659	85	11	regulations	regulation	NOUN
ajbmeb-659	85	12	,	,	PUNCT
ajbmeb-659	85	13	and	and	CCONJ
ajbmeb-659	85	14	legal	legal	ADJ
ajbmeb-659	85	15	requirements	requirement	NOUN
ajbmeb-659	85	16	can	can	AUX
ajbmeb-659	85	17	be	be	AUX
ajbmeb-659	85	18	used	use	VERB
ajbmeb-659	85	19	as	as	ADP
ajbmeb-659	85	20	early	early	ADJ
ajbmeb-659	85	21	warning	warning	NOUN
ajbmeb-659	85	22	indicators	indicator	NOUN
ajbmeb-659	85	23	of	of	ADP
ajbmeb-659	85	24	potential	potential	ADJ
ajbmeb-659	85	25	legal	legal	ADJ
ajbmeb-659	85	26	and	and	CCONJ
ajbmeb-659	85	27	reputational	reputational	ADJ
ajbmeb-659	85	28	risks	risk	NOUN
ajbmeb-659	85	29	.	.	PUNCT
ajbmeb-659	86	1	by	by	ADP
ajbmeb-659	86	2	monitoring	monitor	VERB
ajbmeb-659	86	3	regulatory	regulatory	ADJ
ajbmeb-659	86	4	compliance	compliance	NOUN
ajbmeb-659	86	5	violations	violation	NOUN
ajbmeb-659	86	6	,	,	PUNCT
ajbmeb-659	86	7	risk	risk	NOUN
ajbmeb-659	86	8	managers	manager	NOUN
ajbmeb-659	86	9	can	can	AUX
ajbmeb-659	86	10	identify	identify	VERB
ajbmeb-659	86	11	emerging	emerge	VERB
ajbmeb-659	86	12	risks	risk	NOUN
ajbmeb-659	86	13	and	and	CCONJ
ajbmeb-659	86	14	take	take	VERB
ajbmeb-659	86	15	appropriate	appropriate	ADJ
ajbmeb-659	86	16	action	action	NOUN
ajbmeb-659	86	17	.	.	PUNCT
ajbmeb-659	87	1	➢	➢	VERB
ajbmeb-659	87	2	stress	stress	NOUN
ajbmeb-659	87	3	testing	testing	NOUN
ajbmeb-659	87	4	:	:	PUNCT
ajbmeb-659	87	5	stress	stress	NOUN
ajbmeb-659	87	6	testing	testing	NOUN
ajbmeb-659	87	7	involves	involve	VERB
ajbmeb-659	87	8	simulating	simulate	VERB
ajbmeb-659	87	9	extreme	extreme	ADJ
ajbmeb-659	87	10	scenarios	scenario	NOUN
ajbmeb-659	87	11	to	to	PART
ajbmeb-659	87	12	assess	assess	VERB
ajbmeb-659	87	13	the	the	DET
ajbmeb-659	87	14	impact	impact	NOUN
ajbmeb-659	87	15	on	on	ADP
ajbmeb-659	87	16	an	an	DET
ajbmeb-659	87	17	organization	organization	NOUN
ajbmeb-659	87	18	’s	’s	PART
ajbmeb-659	87	19	financial	financial	ADJ
ajbmeb-659	87	20	position	position	NOUN
ajbmeb-659	87	21	.	.	PUNCT
ajbmeb-659	88	1	a	a	DET
ajbmeb-659	88	2	stress	stress	NOUN
ajbmeb-659	88	3	test	test	NOUN
ajbmeb-659	88	4	can	can	AUX
ajbmeb-659	88	5	be	be	AUX
ajbmeb-659	88	6	used	use	VERB
ajbmeb-659	88	7	as	as	ADP
ajbmeb-659	88	8	an	an	DET
ajbmeb-659	88	9	early	early	ADJ
ajbmeb-659	88	10	warning	warning	NOUN
ajbmeb-659	88	11	indicator	indicator	NOUN
ajbmeb-659	88	12	of	of	ADP
ajbmeb-659	88	13	potential	potential	ADJ
ajbmeb-659	88	14	risks	risk	NOUN
ajbmeb-659	88	15	under	under	ADP
ajbmeb-659	88	16	adverse	adverse	ADJ
ajbmeb-659	88	17	conditions	condition	NOUN
ajbmeb-659	88	18	.	.	PUNCT
ajbmeb-659	89	1	by	by	ADP
ajbmeb-659	89	2	conducting	conduct	VERB
ajbmeb-659	89	3	stress	stress	NOUN
ajbmeb-659	89	4	tests	test	NOUN
ajbmeb-659	89	5	,	,	PUNCT
ajbmeb-659	89	6	risk	risk	NOUN
ajbmeb-659	89	7	managers	manager	NOUN
ajbmeb-659	89	8	can	can	AUX
ajbmeb-659	89	9	identify	identify	VERB
ajbmeb-659	89	10	potential	potential	ADJ
ajbmeb-659	89	11	risks	risk	NOUN
ajbmeb-659	89	12	and	and	CCONJ
ajbmeb-659	89	13	take	take	VERB
ajbmeb-659	89	14	appropriate	appropriate	ADJ
ajbmeb-659	89	15	action	action	NOUN
ajbmeb-659	89	16	.	.	PUNCT
ajbmeb-659	90	1	➢	➢	VERB
ajbmeb-659	90	2	reputational	reputational	ADJ
ajbmeb-659	90	3	risk	risk	NOUN
ajbmeb-659	90	4	:	:	PUNCT
ajbmeb-659	90	5	reputational	reputational	ADJ
ajbmeb-659	90	6	risk	risk	NOUN
ajbmeb-659	90	7	occurs	occur	VERB
ajbmeb-659	90	8	when	when	SCONJ
ajbmeb-659	90	9	an	an	DET
ajbmeb-659	90	10	institution	institution	NOUN
ajbmeb-659	90	11	’s	’s	PART
ajbmeb-659	90	12	reputation	reputation	NOUN
ajbmeb-659	90	13	is	be	AUX
ajbmeb-659	90	14	damaged	damage	VERB
ajbmeb-659	90	15	due	due	ADJ
ajbmeb-659	90	16	to	to	ADP
ajbmeb-659	90	17	negative	negative	ADJ
ajbmeb-659	90	18	publicity	publicity	NOUN
ajbmeb-659	90	19	,	,	PUNCT
ajbmeb-659	90	20	customer	customer	NOUN
ajbmeb-659	90	21	complaints	complaint	NOUN
ajbmeb-659	90	22	,	,	PUNCT
ajbmeb-659	90	23	or	or	CCONJ
ajbmeb-659	90	24	other	other	ADJ
ajbmeb-659	90	25	factors	factor	NOUN
ajbmeb-659	90	26	.	.	PUNCT
ajbmeb-659	91	1	reputational	reputational	ADJ
ajbmeb-659	91	2	risk	risk	NOUN
ajbmeb-659	91	3	can	can	AUX
ajbmeb-659	91	4	be	be	AUX
ajbmeb-659	91	5	used	use	VERB
ajbmeb-659	91	6	as	as	ADP
ajbmeb-659	91	7	an	an	DET
ajbmeb-659	91	8	early	early	ADJ
ajbmeb-659	91	9	warning	warning	NOUN
ajbmeb-659	91	10	indicator	indicator	NOUN
ajbmeb-659	91	11	of	of	ADP
ajbmeb-659	91	12	potential	potential	ADJ
ajbmeb-659	91	13	legal	legal	ADJ
ajbmeb-659	91	14	and	and	CCONJ
ajbmeb-659	91	15	operational	operational	ADJ
ajbmeb-659	91	16	risks	risk	NOUN
ajbmeb-659	91	17	.	.	PUNCT
ajbmeb-659	92	1	by	by	ADP
ajbmeb-659	92	2	monitoring	monitor	VERB
ajbmeb-659	92	3	reputational	reputational	ADJ
ajbmeb-659	92	4	risk	risk	NOUN
ajbmeb-659	92	5	,	,	PUNCT
ajbmeb-659	92	6	risk	risk	NOUN
ajbmeb-659	92	7	managers	manager	NOUN
ajbmeb-659	92	8	can	can	AUX
ajbmeb-659	92	9	identify	identify	VERB
ajbmeb-659	92	10	emerging	emerge	VERB
ajbmeb-659	92	11	risks	risk	NOUN
ajbmeb-659	92	12	and	and	CCONJ
ajbmeb-659	92	13	take	take	VERB
ajbmeb-659	92	14	appropriate	appropriate	ADJ
ajbmeb-659	92	15	action	action	NOUN
ajbmeb-659	92	16	.	.	PUNCT
ajbmeb-659	93	1	figure	figure	NOUN
ajbmeb-659	93	2	2	2	NUM
ajbmeb-659	93	3	.	.	PUNCT
ajbmeb-659	94	1	early	early	ADJ
ajbmeb-659	94	2	warning	warning	NOUN
ajbmeb-659	94	3	indicators	indicator	NOUN
ajbmeb-659	94	4	for	for	ADP
ajbmeb-659	94	5	credit	credit	NOUN
ajbmeb-659	94	6	risk	risk	NOUN
ajbmeb-659	94	7	are	be	AUX
ajbmeb-659	94	8	[	[	X
ajbmeb-659	94	9	10	10	NUM
ajbmeb-659	94	10	]	]	X
ajbmeb-659	94	11	american	american	ADJ
ajbmeb-659	94	12	journal	journal	PROPN
ajbmeb-659	94	13	of	of	ADP
ajbmeb-659	94	14	business	business	NOUN
ajbmeb-659	94	15	management	management	NOUN
ajbmeb-659	94	16	,	,	PUNCT
ajbmeb-659	94	17	economics	economic	NOUN
ajbmeb-659	94	18	and	and	CCONJ
ajbmeb-659	94	19	banking	banking	NOUN
ajbmeb-659	94	20	volume	volume	NOUN
ajbmeb-659	94	21	11	11	NUM
ajbmeb-659	94	22	april	april	PROPN
ajbmeb-659	94	23	,	,	PUNCT
ajbmeb-659	94	24	2023	2023	NUM
ajbmeb-659	94	25	p	p	NOUN
ajbmeb-659	94	26	a	a	DET
ajbmeb-659	94	27	g	g	NOUN
ajbmeb-659	94	28	e	e	PROPN
ajbmeb-659	94	29	|	|	ADV
ajbmeb-659	94	30	94	94	NUM
ajbmeb-659	94	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-659	94	32	credit	credit	NOUN
ajbmeb-659	94	33	risk	risk	NOUN
ajbmeb-659	94	34	refers	refer	VERB
ajbmeb-659	94	35	to	to	ADP
ajbmeb-659	94	36	the	the	DET
ajbmeb-659	94	37	possibility	possibility	NOUN
ajbmeb-659	94	38	of	of	ADP
ajbmeb-659	94	39	damage	damage	NOUN
ajbmeb-659	94	40	(	(	PUNCT
ajbmeb-659	94	41	loss	loss	NOUN
ajbmeb-659	94	42	)	)	PUNCT
ajbmeb-659	94	43	and	and	CCONJ
ajbmeb-659	94	44	(	(	PUNCT
ajbmeb-659	94	45	or	or	CCONJ
ajbmeb-659	94	46	)	)	PUNCT
ajbmeb-659	94	47	not	not	PART
ajbmeb-659	94	48	being	be	AUX
ajbmeb-659	94	49	able	able	ADJ
ajbmeb-659	94	50	to	to	PART
ajbmeb-659	94	51	receive	receive	VERB
ajbmeb-659	94	52	the	the	DET
ajbmeb-659	94	53	planned	plan	VERB
ajbmeb-659	94	54	income	income	NOUN
ajbmeb-659	94	55	that	that	PRON
ajbmeb-659	94	56	may	may	AUX
ajbmeb-659	94	57	occur	occur	VERB
ajbmeb-659	94	58	as	as	ADP
ajbmeb-659	94	59	a	a	DET
ajbmeb-659	94	60	result	result	NOUN
ajbmeb-659	94	61	of	of	ADP
ajbmeb-659	94	62	non	non	ADJ
ajbmeb-659	94	63	-	-	NOUN
ajbmeb-659	94	64	fulfillment	fulfillment	ADJ
ajbmeb-659	94	65	(	(	PUNCT
ajbmeb-659	94	66	inadequate	inadequate	ADJ
ajbmeb-659	94	67	fulfillment	fulfillment	NOUN
ajbmeb-659	94	68	)	)	PUNCT
ajbmeb-659	94	69	of	of	ADP
ajbmeb-659	94	70	the	the	DET
ajbmeb-659	94	71	debtor	debtor	NOUN
ajbmeb-659	94	72	’s	’s	PART
ajbmeb-659	94	73	obligations	obligation	NOUN
ajbmeb-659	94	74	to	to	ADP
ajbmeb-659	94	75	the	the	DET
ajbmeb-659	94	76	bank	bank	NOUN
ajbmeb-659	94	77	within	within	ADP
ajbmeb-659	94	78	the	the	DET
ajbmeb-659	94	79	terms	term	NOUN
ajbmeb-659	94	80	and	and	CCONJ
ajbmeb-659	94	81	(	(	PUNCT
ajbmeb-659	94	82	or	or	CCONJ
ajbmeb-659	94	83	)	)	PUNCT
ajbmeb-659	94	84	conditions	condition	NOUN
ajbmeb-659	94	85	specified	specify	VERB
ajbmeb-659	94	86	in	in	ADP
ajbmeb-659	94	87	the	the	DET
ajbmeb-659	94	88	contract	contract	NOUN
ajbmeb-659	94	89	or	or	CCONJ
ajbmeb-659	94	90	legal	legal	ADJ
ajbmeb-659	94	91	documents	document	NOUN
ajbmeb-659	94	92	.	.	PUNCT
ajbmeb-659	95	1	early	early	ADJ
ajbmeb-659	95	2	warning	warning	NOUN
ajbmeb-659	95	3	indicators	indicator	NOUN
ajbmeb-659	95	4	are	be	AUX
ajbmeb-659	95	5	signals	signal	NOUN
ajbmeb-659	95	6	that	that	SCONJ
ajbmeb-659	95	7	a	a	DET
ajbmeb-659	95	8	borrower	borrower	NOUN
ajbmeb-659	95	9	may	may	AUX
ajbmeb-659	95	10	be	be	AUX
ajbmeb-659	95	11	at	at	ADP
ajbmeb-659	95	12	risk	risk	NOUN
ajbmeb-659	95	13	of	of	ADP
ajbmeb-659	95	14	defaulting	default	VERB
ajbmeb-659	95	15	on	on	ADP
ajbmeb-659	95	16	their	their	PRON
ajbmeb-659	95	17	loan	loan	NOUN
ajbmeb-659	95	18	.	.	PUNCT
ajbmeb-659	96	1	early	early	ADJ
ajbmeb-659	96	2	warning	warning	NOUN
ajbmeb-659	96	3	indicators	indicator	NOUN
ajbmeb-659	96	4	of	of	ADP
ajbmeb-659	96	5	credit	credit	NOUN
ajbmeb-659	96	6	risk	risk	NOUN
ajbmeb-659	96	7	include	include	VERB
ajbmeb-659	96	8	:	:	PUNCT
ajbmeb-659	96	9	1	1	X
ajbmeb-659	96	10	.	.	X
ajbmeb-659	96	11	late	late	ADJ
ajbmeb-659	96	12	payments	payment	NOUN
ajbmeb-659	96	13	:	:	PUNCT
ajbmeb-659	96	14	late	late	ADJ
ajbmeb-659	96	15	or	or	CCONJ
ajbmeb-659	96	16	missed	miss	VERB
ajbmeb-659	96	17	payments	payment	NOUN
ajbmeb-659	96	18	are	be	AUX
ajbmeb-659	96	19	a	a	DET
ajbmeb-659	96	20	clear	clear	ADJ
ajbmeb-659	96	21	sign	sign	NOUN
ajbmeb-659	96	22	that	that	SCONJ
ajbmeb-659	96	23	a	a	DET
ajbmeb-659	96	24	borrower	borrower	NOUN
ajbmeb-659	96	25	is	be	AUX
ajbmeb-659	96	26	having	have	VERB
ajbmeb-659	96	27	trouble	trouble	NOUN
ajbmeb-659	96	28	meeting	meet	VERB
ajbmeb-659	96	29	their	their	PRON
ajbmeb-659	96	30	financial	financial	ADJ
ajbmeb-659	96	31	obligations	obligation	NOUN
ajbmeb-659	96	32	.	.	PUNCT
ajbmeb-659	97	1	2	2	X
ajbmeb-659	97	2	.	.	X
ajbmeb-659	97	3	high	high	ADJ
ajbmeb-659	97	4	levels	level	NOUN
ajbmeb-659	97	5	of	of	ADP
ajbmeb-659	97	6	debt	debt	NOUN
ajbmeb-659	97	7	:	:	PUNCT
ajbmeb-659	97	8	borrowers	borrower	NOUN
ajbmeb-659	97	9	with	with	ADP
ajbmeb-659	97	10	high	high	ADJ
ajbmeb-659	97	11	levels	level	NOUN
ajbmeb-659	97	12	of	of	ADP
ajbmeb-659	97	13	debt	debt	NOUN
ajbmeb-659	97	14	relative	relative	ADJ
ajbmeb-659	97	15	to	to	ADP
ajbmeb-659	97	16	their	their	PRON
ajbmeb-659	97	17	income	income	NOUN
ajbmeb-659	97	18	or	or	CCONJ
ajbmeb-659	97	19	assets	asset	NOUN
ajbmeb-659	97	20	may	may	AUX
ajbmeb-659	97	21	be	be	AUX
ajbmeb-659	97	22	at	at	ADP
ajbmeb-659	97	23	risk	risk	NOUN
ajbmeb-659	97	24	of	of	ADP
ajbmeb-659	97	25	default	default	NOUN
ajbmeb-659	97	26	if	if	SCONJ
ajbmeb-659	97	27	they	they	PRON
ajbmeb-659	97	28	experience	experience	VERB
ajbmeb-659	97	29	a	a	DET
ajbmeb-659	97	30	financial	financial	ADJ
ajbmeb-659	97	31	crisis	crisis	NOUN
ajbmeb-659	97	32	.	.	PUNCT
ajbmeb-659	98	1	3	3	X
ajbmeb-659	98	2	.	.	X
ajbmeb-659	98	3	decline	decline	NOUN
ajbmeb-659	98	4	in	in	ADP
ajbmeb-659	98	5	credit	credit	NOUN
ajbmeb-659	98	6	score	score	NOUN
ajbmeb-659	98	7	:	:	PUNCT
ajbmeb-659	98	8	a	a	DET
ajbmeb-659	98	9	decline	decline	NOUN
ajbmeb-659	98	10	in	in	ADP
ajbmeb-659	98	11	a	a	DET
ajbmeb-659	98	12	borrower	borrower	NOUN
ajbmeb-659	98	13	’s	’s	PART
ajbmeb-659	98	14	credit	credit	NOUN
ajbmeb-659	98	15	score	score	NOUN
ajbmeb-659	98	16	may	may	AUX
ajbmeb-659	98	17	indicate	indicate	VERB
ajbmeb-659	98	18	that	that	SCONJ
ajbmeb-659	98	19	they	they	PRON
ajbmeb-659	98	20	are	be	AUX
ajbmeb-659	98	21	having	have	VERB
ajbmeb-659	98	22	trouble	trouble	NOUN
ajbmeb-659	98	23	managing	manage	VERB
ajbmeb-659	98	24	their	their	PRON
ajbmeb-659	98	25	finances	finance	NOUN
ajbmeb-659	98	26	.	.	PUNCT
ajbmeb-659	99	1	4	4	X
ajbmeb-659	99	2	.	.	X
ajbmeb-659	99	3	declining	decline	VERB
ajbmeb-659	99	4	profitability	profitability	NOUN
ajbmeb-659	99	5	:	:	PUNCT
ajbmeb-659	99	6	declining	decline	VERB
ajbmeb-659	99	7	profitability	profitability	NOUN
ajbmeb-659	99	8	for	for	ADP
ajbmeb-659	99	9	businesses	business	NOUN
ajbmeb-659	99	10	means	mean	VERB
ajbmeb-659	99	11	they	they	PRON
ajbmeb-659	99	12	are	be	AUX
ajbmeb-659	99	13	struggling	struggle	VERB
ajbmeb-659	99	14	to	to	PART
ajbmeb-659	99	15	generate	generate	VERB
ajbmeb-659	99	16	enough	enough	ADJ
ajbmeb-659	99	17	cash	cash	NOUN
ajbmeb-659	99	18	flow	flow	NOUN
ajbmeb-659	99	19	to	to	PART
ajbmeb-659	99	20	meet	meet	VERB
ajbmeb-659	99	21	their	their	PRON
ajbmeb-659	99	22	financial	financial	ADJ
ajbmeb-659	99	23	obligations	obligation	NOUN
ajbmeb-659	99	24	.	.	PUNCT
ajbmeb-659	100	1	5	5	X
ajbmeb-659	100	2	.	.	X
ajbmeb-659	100	3	economic	economic	ADJ
ajbmeb-659	100	4	conditions	condition	NOUN
ajbmeb-659	100	5	:	:	PUNCT
ajbmeb-659	100	6	changes	change	NOUN
ajbmeb-659	100	7	in	in	ADP
ajbmeb-659	100	8	economic	economic	ADJ
ajbmeb-659	100	9	conditions	condition	NOUN
ajbmeb-659	100	10	,	,	PUNCT
ajbmeb-659	100	11	such	such	ADJ
ajbmeb-659	100	12	as	as	ADP
ajbmeb-659	100	13	a	a	DET
ajbmeb-659	100	14	recession	recession	NOUN
ajbmeb-659	100	15	or	or	CCONJ
ajbmeb-659	100	16	rising	rise	VERB
ajbmeb-659	100	17	interest	interest	NOUN
ajbmeb-659	100	18	rates	rate	NOUN
ajbmeb-659	100	19	,	,	PUNCT
ajbmeb-659	100	20	can	can	AUX
ajbmeb-659	100	21	increase	increase	VERB
ajbmeb-659	100	22	the	the	DET
ajbmeb-659	100	23	risk	risk	NOUN
ajbmeb-659	100	24	of	of	ADP
ajbmeb-659	100	25	default	default	NOUN
ajbmeb-659	100	26	for	for	ADP
ajbmeb-659	100	27	borrowers	borrower	NOUN
ajbmeb-659	100	28	.	.	PUNCT
ajbmeb-659	101	1	6	6	X
ajbmeb-659	101	2	.	.	X
ajbmeb-659	101	3	changes	change	NOUN
ajbmeb-659	101	4	in	in	ADP
ajbmeb-659	101	5	management	management	NOUN
ajbmeb-659	101	6	:	:	PUNCT
ajbmeb-659	101	7	for	for	ADP
ajbmeb-659	101	8	businesses	business	NOUN
ajbmeb-659	101	9	,	,	PUNCT
ajbmeb-659	101	10	changes	change	NOUN
ajbmeb-659	101	11	in	in	ADP
ajbmeb-659	101	12	management	management	NOUN
ajbmeb-659	101	13	or	or	CCONJ
ajbmeb-659	101	14	key	key	ADJ
ajbmeb-659	101	15	personnel	personnel	NOUN
ajbmeb-659	101	16	can	can	AUX
ajbmeb-659	101	17	indicate	indicate	VERB
ajbmeb-659	101	18	that	that	SCONJ
ajbmeb-659	101	19	the	the	DET
ajbmeb-659	101	20	company	company	NOUN
ajbmeb-659	101	21	is	be	AUX
ajbmeb-659	101	22	experiencing	experience	VERB
ajbmeb-659	101	23	financial	financial	ADJ
ajbmeb-659	101	24	difficulties	difficulty	NOUN
ajbmeb-659	101	25	.	.	PUNCT
ajbmeb-659	102	1	7	7	X
ajbmeb-659	102	2	.	.	NOUN
ajbmeb-659	102	3	negative	negative	ADJ
ajbmeb-659	102	4	cash	cash	NOUN
ajbmeb-659	102	5	flow	flow	NOUN
ajbmeb-659	102	6	:	:	PUNCT
ajbmeb-659	102	7	the	the	DET
ajbmeb-659	102	8	fact	fact	NOUN
ajbmeb-659	102	9	that	that	SCONJ
ajbmeb-659	102	10	a	a	DET
ajbmeb-659	102	11	borrower	borrower	NOUN
ajbmeb-659	102	12	is	be	AUX
ajbmeb-659	102	13	spending	spend	VERB
ajbmeb-659	102	14	more	more	ADJ
ajbmeb-659	102	15	than	than	SCONJ
ajbmeb-659	102	16	their	their	PRON
ajbmeb-659	102	17	income	income	NOUN
ajbmeb-659	102	18	can	can	AUX
ajbmeb-659	102	19	indicate	indicate	VERB
ajbmeb-659	102	20	that	that	SCONJ
ajbmeb-659	102	21	they	they	PRON
ajbmeb-659	102	22	are	be	AUX
ajbmeb-659	102	23	unable	unable	ADJ
ajbmeb-659	102	24	to	to	PART
ajbmeb-659	102	25	meet	meet	VERB
ajbmeb-659	102	26	their	their	PRON
ajbmeb-659	102	27	financial	financial	ADJ
ajbmeb-659	102	28	obligations	obligation	NOUN
ajbmeb-659	102	29	.	.	PUNCT
ajbmeb-659	103	1	8	8	X
ajbmeb-659	103	2	.	.	X
ajbmeb-659	104	1	legal	legal	ADJ
ajbmeb-659	104	2	or	or	CCONJ
ajbmeb-659	104	3	regulatory	regulatory	ADJ
ajbmeb-659	104	4	problems	problem	NOUN
ajbmeb-659	104	5	:	:	PUNCT
ajbmeb-659	104	6	legal	legal	ADJ
ajbmeb-659	104	7	or	or	CCONJ
ajbmeb-659	104	8	regulatory	regulatory	ADJ
ajbmeb-659	104	9	problems	problem	NOUN
ajbmeb-659	104	10	,	,	PUNCT
ajbmeb-659	104	11	such	such	ADJ
ajbmeb-659	104	12	as	as	ADP
ajbmeb-659	104	13	lawsuits	lawsuit	NOUN
ajbmeb-659	104	14	or	or	CCONJ
ajbmeb-659	104	15	fines	fine	NOUN
ajbmeb-659	104	16	,	,	PUNCT
ajbmeb-659	104	17	may	may	AUX
ajbmeb-659	104	18	indicate	indicate	VERB
ajbmeb-659	104	19	that	that	SCONJ
ajbmeb-659	104	20	the	the	DET
ajbmeb-659	104	21	borrower	borrower	NOUN
ajbmeb-659	104	22	is	be	AUX
ajbmeb-659	104	23	facing	face	VERB
ajbmeb-659	104	24	financial	financial	ADJ
ajbmeb-659	104	25	difficulties	difficulty	NOUN
ajbmeb-659	104	26	.	.	PUNCT
ajbmeb-659	105	1	9	9	X
ajbmeb-659	105	2	.	.	X
ajbmeb-659	105	3	industry	industry	NOUN
ajbmeb-659	105	4	trends	trend	NOUN
ajbmeb-659	105	5	:	:	PUNCT
ajbmeb-659	105	6	changes	change	NOUN
ajbmeb-659	105	7	in	in	ADP
ajbmeb-659	105	8	industry	industry	NOUN
ajbmeb-659	105	9	trends	trend	NOUN
ajbmeb-659	105	10	,	,	PUNCT
ajbmeb-659	105	11	such	such	ADJ
ajbmeb-659	105	12	as	as	ADP
ajbmeb-659	105	13	increased	increase	VERB
ajbmeb-659	105	14	competition	competition	NOUN
ajbmeb-659	105	15	or	or	CCONJ
ajbmeb-659	105	16	technological	technological	ADJ
ajbmeb-659	105	17	disruption	disruption	NOUN
ajbmeb-659	105	18	,	,	PUNCT
ajbmeb-659	105	19	may	may	AUX
ajbmeb-659	105	20	increase	increase	VERB
ajbmeb-659	105	21	the	the	DET
ajbmeb-659	105	22	risk	risk	NOUN
ajbmeb-659	105	23	of	of	ADP
ajbmeb-659	105	24	default	default	NOUN
ajbmeb-659	105	25	for	for	ADP
ajbmeb-659	105	26	borrowers	borrower	NOUN
ajbmeb-659	105	27	in	in	ADP
ajbmeb-659	105	28	this	this	DET
ajbmeb-659	105	29	industry	industry	NOUN
ajbmeb-659	105	30	.	.	PUNCT
ajbmeb-659	106	1	10	10	NUM
ajbmeb-659	106	2	.	.	X
ajbmeb-659	106	3	value	value	NOUN
ajbmeb-659	106	4	of	of	ADP
ajbmeb-659	106	5	collateral	collateral	NOUN
ajbmeb-659	106	6	:	:	PUNCT
ajbmeb-659	106	7	for	for	ADP
ajbmeb-659	106	8	secured	secured	ADJ
ajbmeb-659	106	9	loans	loan	NOUN
ajbmeb-659	106	10	,	,	PUNCT
ajbmeb-659	106	11	a	a	DET
ajbmeb-659	106	12	decrease	decrease	NOUN
ajbmeb-659	106	13	in	in	ADP
ajbmeb-659	106	14	the	the	DET
ajbmeb-659	106	15	value	value	NOUN
ajbmeb-659	106	16	of	of	ADP
ajbmeb-659	106	17	collateral	collateral	NOUN
ajbmeb-659	106	18	may	may	AUX
ajbmeb-659	106	19	increase	increase	VERB
ajbmeb-659	106	20	the	the	DET
ajbmeb-659	106	21	risk	risk	NOUN
ajbmeb-659	106	22	of	of	ADP
ajbmeb-659	106	23	default	default	NOUN
ajbmeb-659	106	24	for	for	ADP
ajbmeb-659	106	25	the	the	DET
ajbmeb-659	106	26	borrower	borrower	NOUN
ajbmeb-659	106	27	.	.	PUNCT
ajbmeb-659	107	1	by	by	ADP
ajbmeb-659	107	2	monitoring	monitor	VERB
ajbmeb-659	107	3	these	these	DET
ajbmeb-659	107	4	early	early	ADJ
ajbmeb-659	107	5	warning	warning	NOUN
ajbmeb-659	107	6	indicators	indicator	NOUN
ajbmeb-659	107	7	,	,	PUNCT
ajbmeb-659	107	8	lenders	lender	NOUN
ajbmeb-659	107	9	can	can	AUX
ajbmeb-659	107	10	take	take	VERB
ajbmeb-659	107	11	proactive	proactive	ADJ
ajbmeb-659	107	12	steps	step	NOUN
ajbmeb-659	107	13	to	to	PART
ajbmeb-659	107	14	manage	manage	VERB
ajbmeb-659	107	15	their	their	PRON
ajbmeb-659	107	16	credit	credit	NOUN
ajbmeb-659	107	17	risk	risk	NOUN
ajbmeb-659	107	18	and	and	CCONJ
ajbmeb-659	107	19	reduce	reduce	VERB
ajbmeb-659	107	20	the	the	DET
ajbmeb-659	107	21	likelihood	likelihood	NOUN
ajbmeb-659	107	22	of	of	ADP
ajbmeb-659	107	23	losses	loss	NOUN
ajbmeb-659	107	24	.	.	PUNCT
ajbmeb-659	108	1	it	it	PRON
ajbmeb-659	108	2	should	should	AUX
ajbmeb-659	108	3	be	be	AUX
ajbmeb-659	108	4	noted	note	VERB
ajbmeb-659	108	5	that	that	SCONJ
ajbmeb-659	108	6	the	the	DET
ajbmeb-659	108	7	above	above	ADJ
ajbmeb-659	108	8	early	early	ADJ
ajbmeb-659	108	9	warning	warning	NOUN
ajbmeb-659	108	10	indicators	indicator	NOUN
ajbmeb-659	108	11	are	be	AUX
ajbmeb-659	108	12	not	not	PART
ajbmeb-659	108	13	definitive	definitive	ADJ
ajbmeb-659	108	14	signs	sign	NOUN
ajbmeb-659	108	15	of	of	ADP
ajbmeb-659	108	16	credit	credit	NOUN
ajbmeb-659	108	17	risk	risk	NOUN
ajbmeb-659	108	18	,	,	PUNCT
ajbmeb-659	108	19	but	but	CCONJ
ajbmeb-659	108	20	rather	rather	ADV
ajbmeb-659	108	21	potential	potential	ADJ
ajbmeb-659	108	22	signals	signal	NOUN
ajbmeb-659	108	23	that	that	PRON
ajbmeb-659	108	24	require	require	VERB
ajbmeb-659	108	25	further	further	ADJ
ajbmeb-659	108	26	investigation	investigation	NOUN
ajbmeb-659	108	27	.	.	PUNCT
ajbmeb-659	109	1	lenders	lender	NOUN
ajbmeb-659	109	2	must	must	AUX
ajbmeb-659	109	3	use	use	VERB
ajbmeb-659	109	4	quantitative	quantitative	ADJ
ajbmeb-659	109	5	and	and	CCONJ
ajbmeb-659	109	6	qualitative	qualitative	ADJ
ajbmeb-659	109	7	analysis	analysis	NOUN
ajbmeb-659	109	8	to	to	PART
ajbmeb-659	109	9	assess	assess	VERB
ajbmeb-659	109	10	credit	credit	NOUN
ajbmeb-659	109	11	risk	risk	NOUN
ajbmeb-659	109	12	and	and	CCONJ
ajbmeb-659	109	13	make	make	VERB
ajbmeb-659	109	14	informed	informed	ADJ
ajbmeb-659	109	15	lending	lending	NOUN
ajbmeb-659	109	16	decisions	decision	NOUN
ajbmeb-659	109	17	[	[	X
ajbmeb-659	109	18	11	11	NUM
ajbmeb-659	109	19	]	]	PUNCT
ajbmeb-659	109	20	.	.	PUNCT
ajbmeb-659	110	1	by	by	ADP
ajbmeb-659	110	2	identifying	identify	VERB
ajbmeb-659	110	3	potential	potential	ADJ
ajbmeb-659	110	4	credit	credit	NOUN
ajbmeb-659	110	5	risks	risk	NOUN
ajbmeb-659	110	6	early	early	ADV
ajbmeb-659	110	7	,	,	PUNCT
ajbmeb-659	110	8	banks	bank	NOUN
ajbmeb-659	110	9	can	can	AUX
ajbmeb-659	110	10	take	take	VERB
ajbmeb-659	110	11	proactive	proactive	ADJ
ajbmeb-659	110	12	measures	measure	NOUN
ajbmeb-659	110	13	to	to	PART
ajbmeb-659	110	14	manage	manage	VERB
ajbmeb-659	110	15	these	these	DET
ajbmeb-659	110	16	risks	risk	NOUN
ajbmeb-659	110	17	,	,	PUNCT
ajbmeb-659	110	18	such	such	ADJ
ajbmeb-659	110	19	as	as	ADP
ajbmeb-659	110	20	restructuring	restructure	VERB
ajbmeb-659	110	21	loans	loan	NOUN
ajbmeb-659	110	22	,	,	PUNCT
ajbmeb-659	110	23	increasing	increase	VERB
ajbmeb-659	110	24	collateral	collateral	ADJ
ajbmeb-659	110	25	requirements	requirement	NOUN
ajbmeb-659	110	26	,	,	PUNCT
ajbmeb-659	110	27	or	or	CCONJ
ajbmeb-659	110	28	reducing	reduce	VERB
ajbmeb-659	110	29	credit	credit	NOUN
ajbmeb-659	110	30	limits	limit	NOUN
ajbmeb-659	110	31	.	.	PUNCT
ajbmeb-659	111	1	this	this	PRON
ajbmeb-659	111	2	helps	help	VERB
ajbmeb-659	111	3	prevent	prevent	VERB
ajbmeb-659	111	4	defaults	default	NOUN
ajbmeb-659	111	5	and	and	CCONJ
ajbmeb-659	111	6	reduce	reduce	VERB
ajbmeb-659	111	7	losses	loss	NOUN
ajbmeb-659	111	8	for	for	ADP
ajbmeb-659	111	9	the	the	DET
ajbmeb-659	111	10	bank	bank	NOUN
ajbmeb-659	111	11	.	.	PUNCT
ajbmeb-659	112	1	in	in	ADP
ajbmeb-659	112	2	addition	addition	NOUN
ajbmeb-659	112	3	,	,	PUNCT
ajbmeb-659	112	4	early	early	ADJ
ajbmeb-659	112	5	warning	warning	NOUN
ajbmeb-659	112	6	systems	system	NOUN
ajbmeb-659	112	7	help	help	VERB
ajbmeb-659	112	8	banks	bank	NOUN
ajbmeb-659	112	9	comply	comply	VERB
ajbmeb-659	112	10	with	with	ADP
ajbmeb-659	112	11	regulatory	regulatory	ADJ
ajbmeb-659	112	12	requirements	requirement	NOUN
ajbmeb-659	112	13	such	such	ADJ
ajbmeb-659	112	14	as	as	ADP
ajbmeb-659	112	15	conducting	conduct	VERB
ajbmeb-659	112	16	stress	stress	NOUN
ajbmeb-659	112	17	tests	test	NOUN
ajbmeb-659	112	18	and	and	CCONJ
ajbmeb-659	112	19	assessing	assess	VERB
ajbmeb-659	112	20	capital	capital	NOUN
ajbmeb-659	112	21	adequacy	adequacy	NOUN
ajbmeb-659	113	1	[	[	X
ajbmeb-659	113	2	12	12	NUM
ajbmeb-659	113	3	]	]	PUNCT
ajbmeb-659	113	4	.	.	PUNCT
ajbmeb-659	114	1	the	the	DET
ajbmeb-659	114	2	following	follow	VERB
ajbmeb-659	114	3	strategies	strategy	NOUN
ajbmeb-659	114	4	are	be	AUX
ajbmeb-659	114	5	used	use	VERB
ajbmeb-659	114	6	in	in	ADP
ajbmeb-659	114	7	risk	risk	NOUN
ajbmeb-659	114	8	management	management	NOUN
ajbmeb-659	114	9	:	:	PUNCT
ajbmeb-659	114	10	•	•	NUM
ajbmeb-659	114	11	risk	risk	NOUN
ajbmeb-659	114	12	transfer	transfer	NOUN
ajbmeb-659	114	13	:	:	PUNCT
ajbmeb-659	114	14	risk	risk	NOUN
ajbmeb-659	114	15	transfer	transfer	NOUN
ajbmeb-659	114	16	involves	involve	VERB
ajbmeb-659	114	17	transferring	transfer	VERB
ajbmeb-659	114	18	risk	risk	NOUN
ajbmeb-659	114	19	to	to	ADP
ajbmeb-659	114	20	another	another	DET
ajbmeb-659	114	21	party	party	NOUN
ajbmeb-659	114	22	,	,	PUNCT
ajbmeb-659	114	23	such	such	ADJ
ajbmeb-659	114	24	as	as	ADP
ajbmeb-659	114	25	an	an	DET
ajbmeb-659	114	26	insurance	insurance	NOUN
ajbmeb-659	114	27	company	company	NOUN
ajbmeb-659	114	28	or	or	CCONJ
ajbmeb-659	114	29	a	a	DET
ajbmeb-659	114	30	third	third	ADJ
ajbmeb-659	114	31	-	-	PUNCT
ajbmeb-659	114	32	party	party	NOUN
ajbmeb-659	114	33	vendor	vendor	NOUN
ajbmeb-659	114	34	.	.	PUNCT
ajbmeb-659	115	1	this	this	PRON
ajbmeb-659	115	2	helps	help	VERB
ajbmeb-659	115	3	to	to	PART
ajbmeb-659	115	4	reduce	reduce	VERB
ajbmeb-659	115	5	the	the	DET
ajbmeb-659	115	6	organization	organization	NOUN
ajbmeb-659	115	7	’s	’s	PART
ajbmeb-659	115	8	exposure	exposure	NOUN
ajbmeb-659	115	9	to	to	AUX
ajbmeb-659	115	10	risk	risk	VERB
ajbmeb-659	115	11	and	and	CCONJ
ajbmeb-659	115	12	limit	limit	VERB
ajbmeb-659	115	13	possible	possible	ADJ
ajbmeb-659	115	14	losses	loss	NOUN
ajbmeb-659	115	15	.	.	PUNCT
ajbmeb-659	116	1	•	•	NUM
ajbmeb-659	116	2	risk	risk	NOUN
ajbmeb-659	116	3	avoidance	avoidance	NOUN
ajbmeb-659	116	4	:	:	PUNCT
ajbmeb-659	116	5	risk	risk	NOUN
ajbmeb-659	116	6	avoidance	avoidance	NOUN
ajbmeb-659	116	7	involves	involve	VERB
ajbmeb-659	116	8	avoiding	avoid	VERB
ajbmeb-659	116	9	activities	activity	NOUN
ajbmeb-659	116	10	or	or	CCONJ
ajbmeb-659	116	11	investments	investment	NOUN
ajbmeb-659	116	12	that	that	PRON
ajbmeb-659	116	13	pose	pose	VERB
ajbmeb-659	116	14	a	a	DET
ajbmeb-659	116	15	significant	significant	ADJ
ajbmeb-659	116	16	risk	risk	NOUN
ajbmeb-659	116	17	to	to	ADP
ajbmeb-659	116	18	the	the	DET
ajbmeb-659	116	19	organization	organization	NOUN
ajbmeb-659	116	20	.	.	PUNCT
ajbmeb-659	117	1	this	this	PRON
ajbmeb-659	117	2	helps	help	VERB
ajbmeb-659	117	3	to	to	PART
ajbmeb-659	117	4	reduce	reduce	VERB
ajbmeb-659	117	5	the	the	DET
ajbmeb-659	117	6	probability	probability	NOUN
ajbmeb-659	117	7	of	of	ADP
ajbmeb-659	117	8	losses	loss	NOUN
ajbmeb-659	117	9	and	and	CCONJ
ajbmeb-659	117	10	protect	protect	VERB
ajbmeb-659	117	11	the	the	DET
ajbmeb-659	117	12	financial	financial	ADJ
ajbmeb-659	117	13	stability	stability	NOUN
ajbmeb-659	117	14	of	of	ADP
ajbmeb-659	117	15	the	the	DET
ajbmeb-659	117	16	institution	institution	NOUN
ajbmeb-659	117	17	.	.	PUNCT
ajbmeb-659	118	1	american	american	ADJ
ajbmeb-659	118	2	journal	journal	PROPN
ajbmeb-659	118	3	of	of	ADP
ajbmeb-659	118	4	business	business	NOUN
ajbmeb-659	118	5	management	management	NOUN
ajbmeb-659	118	6	,	,	PUNCT
ajbmeb-659	118	7	economics	economic	NOUN
ajbmeb-659	118	8	and	and	CCONJ
ajbmeb-659	118	9	banking	banking	NOUN
ajbmeb-659	118	10	volume	volume	NOUN
ajbmeb-659	118	11	11	11	NUM
ajbmeb-659	118	12	april	april	PROPN
ajbmeb-659	118	13	,	,	PUNCT
ajbmeb-659	118	14	2023	2023	NUM
ajbmeb-659	118	15	p	p	NOUN
ajbmeb-659	118	16	a	a	PRON
ajbmeb-659	118	17	g	g	NOUN
ajbmeb-659	118	18	e	e	NOUN
ajbmeb-659	118	19	|	|	ADV
ajbmeb-659	118	20	95	95	NUM
ajbmeb-659	118	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-659	118	22	•	•	NUM
ajbmeb-659	118	23	risk	risk	NOUN
ajbmeb-659	118	24	mitigation	mitigation	NOUN
ajbmeb-659	118	25	:	:	PUNCT
ajbmeb-659	118	26	risk	risk	NOUN
ajbmeb-659	118	27	mitigation	mitigation	NOUN
ajbmeb-659	118	28	involves	involve	VERB
ajbmeb-659	118	29	taking	take	VERB
ajbmeb-659	118	30	steps	step	NOUN
ajbmeb-659	118	31	to	to	PART
ajbmeb-659	118	32	reduce	reduce	VERB
ajbmeb-659	118	33	the	the	DET
ajbmeb-659	118	34	likelihood	likelihood	NOUN
ajbmeb-659	118	35	or	or	CCONJ
ajbmeb-659	118	36	impact	impact	NOUN
ajbmeb-659	118	37	of	of	ADP
ajbmeb-659	118	38	a	a	DET
ajbmeb-659	118	39	risk	risk	NOUN
ajbmeb-659	118	40	.	.	PUNCT
ajbmeb-659	119	1	this	this	PRON
ajbmeb-659	119	2	may	may	AUX
ajbmeb-659	119	3	include	include	VERB
ajbmeb-659	119	4	exercising	exercise	VERB
ajbmeb-659	119	5	control	control	NOUN
ajbmeb-659	119	6	,	,	PUNCT
ajbmeb-659	119	7	diversifying	diversify	VERB
ajbmeb-659	119	8	investments	investment	NOUN
ajbmeb-659	119	9	,	,	PUNCT
ajbmeb-659	119	10	or	or	CCONJ
ajbmeb-659	119	11	hedging	hedge	VERB
ajbmeb-659	119	12	against	against	ADP
ajbmeb-659	119	13	market	market	NOUN
ajbmeb-659	119	14	fluctuations	fluctuation	NOUN
ajbmeb-659	119	15	.	.	PUNCT
ajbmeb-659	120	1	•	•	NUM
ajbmeb-659	120	2	risk	risk	NOUN
ajbmeb-659	120	3	acceptance	acceptance	NOUN
ajbmeb-659	120	4	:	:	PUNCT
ajbmeb-659	120	5	risk	risk	NOUN
ajbmeb-659	120	6	acceptance	acceptance	NOUN
ajbmeb-659	120	7	involves	involve	VERB
ajbmeb-659	120	8	preparing	prepare	VERB
ajbmeb-659	120	9	for	for	ADP
ajbmeb-659	120	10	possible	possible	ADJ
ajbmeb-659	120	11	losses	loss	NOUN
ajbmeb-659	120	12	.	.	PUNCT
ajbmeb-659	121	1	this	this	PRON
ajbmeb-659	121	2	includes	include	VERB
ajbmeb-659	121	3	setting	set	VERB
ajbmeb-659	121	4	aside	aside	ADP
ajbmeb-659	121	5	reserves	reserve	NOUN
ajbmeb-659	121	6	or	or	CCONJ
ajbmeb-659	121	7	creating	create	VERB
ajbmeb-659	121	8	contingency	contingency	NOUN
ajbmeb-659	121	9	plans	plan	NOUN
ajbmeb-659	121	10	to	to	PART
ajbmeb-659	121	11	mitigate	mitigate	VERB
ajbmeb-659	121	12	the	the	DET
ajbmeb-659	121	13	impact	impact	NOUN
ajbmeb-659	121	14	of	of	ADP
ajbmeb-659	121	15	a	a	DET
ajbmeb-659	121	16	risk	risk	NOUN
ajbmeb-659	121	17	event	event	NOUN
ajbmeb-659	121	18	.	.	PUNCT
ajbmeb-659	122	1	•	•	NOUN
ajbmeb-659	122	2	risk	risk	NOUN
ajbmeb-659	122	3	monitoring	monitoring	NOUN
ajbmeb-659	122	4	:	:	PUNCT
ajbmeb-659	122	5	risk	risk	NOUN
ajbmeb-659	122	6	monitoring	monitoring	NOUN
ajbmeb-659	122	7	involves	involves	AUX
ajbmeb-659	122	8	continuously	continuously	ADV
ajbmeb-659	122	9	monitoring	monitor	VERB
ajbmeb-659	122	10	risks	risk	NOUN
ajbmeb-659	122	11	in	in	ADP
ajbmeb-659	122	12	the	the	DET
ajbmeb-659	122	13	organization	organization	NOUN
ajbmeb-659	122	14	and	and	CCONJ
ajbmeb-659	122	15	changing	change	VERB
ajbmeb-659	122	16	risk	risk	NOUN
ajbmeb-659	122	17	management	management	NOUN
ajbmeb-659	122	18	strategies	strategy	NOUN
ajbmeb-659	122	19	as	as	SCONJ
ajbmeb-659	122	20	needed	need	VERB
ajbmeb-659	122	21	.	.	PUNCT
ajbmeb-659	123	1	this	this	PRON
ajbmeb-659	123	2	helps	help	VERB
ajbmeb-659	123	3	ensure	ensure	VERB
ajbmeb-659	123	4	that	that	SCONJ
ajbmeb-659	123	5	the	the	DET
ajbmeb-659	123	6	organization	organization	NOUN
ajbmeb-659	123	7	is	be	AUX
ajbmeb-659	123	8	prepared	prepare	VERB
ajbmeb-659	123	9	for	for	ADP
ajbmeb-659	123	10	potential	potential	ADJ
ajbmeb-659	123	11	risks	risk	NOUN
ajbmeb-659	123	12	and	and	CCONJ
ajbmeb-659	123	13	can	can	AUX
ajbmeb-659	123	14	quickly	quickly	ADV
ajbmeb-659	123	15	respond	respond	VERB
ajbmeb-659	123	16	to	to	ADP
ajbmeb-659	123	17	emerging	emerge	VERB
ajbmeb-659	123	18	threats	threat	NOUN
ajbmeb-659	123	19	.	.	PUNCT
ajbmeb-659	124	1	5	5	X
ajbmeb-659	124	2	.	.	X
ajbmeb-659	124	3	conclusions	conclusion	NOUN
ajbmeb-659	124	4	and	and	CCONJ
ajbmeb-659	124	5	suggestions	suggestion	NOUN
ajbmeb-659	124	6	in	in	ADP
ajbmeb-659	124	7	general	general	ADJ
ajbmeb-659	124	8	,	,	PUNCT
ajbmeb-659	124	9	effective	effective	ADJ
ajbmeb-659	124	10	risk	risk	NOUN
ajbmeb-659	124	11	management	management	NOUN
ajbmeb-659	124	12	requires	require	VERB
ajbmeb-659	124	13	a	a	DET
ajbmeb-659	124	14	combination	combination	NOUN
ajbmeb-659	124	15	of	of	ADP
ajbmeb-659	124	16	strategies	strategy	NOUN
ajbmeb-659	124	17	tailored	tailor	VERB
ajbmeb-659	124	18	to	to	ADP
ajbmeb-659	124	19	an	an	DET
ajbmeb-659	124	20	organization	organization	NOUN
ajbmeb-659	124	21	’s	’s	PART
ajbmeb-659	124	22	unique	unique	ADJ
ajbmeb-659	124	23	risk	risk	NOUN
ajbmeb-659	124	24	profile	profile	NOUN
ajbmeb-659	124	25	and	and	CCONJ
ajbmeb-659	124	26	objectives	objective	NOUN
ajbmeb-659	124	27	.	.	PUNCT
ajbmeb-659	125	1	by	by	ADP
ajbmeb-659	125	2	implementing	implement	VERB
ajbmeb-659	125	3	a	a	DET
ajbmeb-659	125	4	comprehensive	comprehensive	ADJ
ajbmeb-659	125	5	risk	risk	NOUN
ajbmeb-659	125	6	management	management	NOUN
ajbmeb-659	125	7	program	program	NOUN
ajbmeb-659	125	8	,	,	PUNCT
ajbmeb-659	125	9	financial	financial	ADJ
ajbmeb-659	125	10	institutions	institution	NOUN
ajbmeb-659	125	11	can	can	AUX
ajbmeb-659	125	12	protect	protect	VERB
ajbmeb-659	125	13	their	their	PRON
ajbmeb-659	125	14	financial	financial	ADJ
ajbmeb-659	125	15	stability	stability	NOUN
ajbmeb-659	125	16	and	and	CCONJ
ajbmeb-659	125	17	ensure	ensure	VERB
ajbmeb-659	125	18	long	long	ADJ
ajbmeb-659	125	19	-	-	PUNCT
ajbmeb-659	125	20	term	term	NOUN
ajbmeb-659	125	21	success	success	NOUN
ajbmeb-659	125	22	.	.	PUNCT
ajbmeb-659	126	1	in	in	ADP
ajbmeb-659	126	2	short	short	ADJ
ajbmeb-659	126	3	,	,	PUNCT
ajbmeb-659	126	4	early	early	ADJ
ajbmeb-659	126	5	warning	warning	NOUN
ajbmeb-659	126	6	indicators	indicator	NOUN
ajbmeb-659	126	7	are	be	AUX
ajbmeb-659	126	8	an	an	DET
ajbmeb-659	126	9	important	important	ADJ
ajbmeb-659	126	10	component	component	NOUN
ajbmeb-659	126	11	of	of	ADP
ajbmeb-659	126	12	effective	effective	ADJ
ajbmeb-659	126	13	risk	risk	NOUN
ajbmeb-659	126	14	management	management	NOUN
ajbmeb-659	126	15	.	.	PUNCT
ajbmeb-659	127	1	by	by	ADP
ajbmeb-659	127	2	monitoring	monitor	VERB
ajbmeb-659	127	3	a	a	DET
ajbmeb-659	127	4	number	number	NOUN
ajbmeb-659	127	5	of	of	ADP
ajbmeb-659	127	6	indicators	indicator	NOUN
ajbmeb-659	127	7	,	,	PUNCT
ajbmeb-659	127	8	risk	risk	NOUN
ajbmeb-659	127	9	managers	manager	NOUN
ajbmeb-659	127	10	can	can	AUX
ajbmeb-659	127	11	identify	identify	VERB
ajbmeb-659	127	12	potential	potential	ADJ
ajbmeb-659	127	13	risks	risk	NOUN
ajbmeb-659	127	14	and	and	CCONJ
ajbmeb-659	127	15	take	take	VERB
ajbmeb-659	127	16	proactive	proactive	ADJ
ajbmeb-659	127	17	measures	measure	NOUN
ajbmeb-659	127	18	to	to	PART
ajbmeb-659	127	19	mitigate	mitigate	VERB
ajbmeb-659	127	20	these	these	DET
ajbmeb-659	127	21	risks	risk	NOUN
ajbmeb-659	127	22	before	before	SCONJ
ajbmeb-659	127	23	they	they	PRON
ajbmeb-659	127	24	become	become	VERB
ajbmeb-659	127	25	major	major	ADJ
ajbmeb-659	127	26	problems	problem	NOUN
ajbmeb-659	127	27	.	.	PUNCT
ajbmeb-659	128	1	this	this	PRON
ajbmeb-659	128	2	helps	help	VERB
ajbmeb-659	128	3	ensure	ensure	VERB
ajbmeb-659	128	4	the	the	DET
ajbmeb-659	128	5	long	long	ADJ
ajbmeb-659	128	6	-	-	PUNCT
ajbmeb-659	128	7	term	term	NOUN
ajbmeb-659	128	8	financial	financial	ADJ
ajbmeb-659	128	9	stability	stability	NOUN
ajbmeb-659	128	10	and	and	CCONJ
ajbmeb-659	128	11	success	success	NOUN
ajbmeb-659	128	12	of	of	ADP
ajbmeb-659	128	13	the	the	DET
ajbmeb-659	128	14	organization	organization	NOUN
ajbmeb-659	128	15	.	.	PUNCT
ajbmeb-659	129	1	literatura	literatura	NOUN
ajbmeb-659	129	2	/	/	SYM
ajbmeb-659	129	3	reference	reference	NOUN
ajbmeb-659	129	4	:	:	PUNCT
ajbmeb-659	129	5	1	1	X
ajbmeb-659	129	6	.	.	X
ajbmeb-659	129	7	mamatov	mamatov	PROPN
ajbmeb-659	129	8	b.s	b.s	PROPN
ajbmeb-659	129	9	.	.	PROPN
ajbmeb-659	129	10	,	,	PUNCT
ajbmeb-659	129	11	khojamkulov	khojamkulov	PROPN
ajbmeb-659	129	12	d.yu	d.yu	PROPN
ajbmeb-659	129	13	.	.	PROPN
ajbmeb-659	129	14	,	,	PUNCT
ajbmeb-659	129	15	nurbekov	nurbekov	PROPN
ajbmeb-659	129	16	o.sh	o.sh	PROPN
ajbmeb-659	129	17	.	.	PROPN
ajbmeb-659	129	18	organization	organization	NOUN
ajbmeb-659	129	19	and	and	CCONJ
ajbmeb-659	129	20	financing	financing	NOUN
ajbmeb-659	129	21	of	of	ADP
ajbmeb-659	129	22	investments	investment	NOUN
ajbmeb-659	129	23	.	.	PUNCT
ajbmeb-659	130	1	textbook	textbook	NOUN
ajbmeb-659	130	2	.	.	PUNCT
ajbmeb-659	131	1	tashkent	tashkent	PROPN
ajbmeb-659	131	2	institute	institute	PROPN
ajbmeb-659	131	3	of	of	ADP
ajbmeb-659	131	4	finance	finance	PROPN
ajbmeb-659	131	5	.	.	PUNCT
ajbmeb-659	132	1	t.	t.	NOUN
ajbmeb-659	132	2	:	:	PUNCT
ajbmeb-659	132	3	economy	economy	NOUN
ajbmeb-659	132	4	-	-	PUNCT
ajbmeb-659	132	5	finance	finance	NOUN
ajbmeb-659	132	6	,	,	PUNCT
ajbmeb-659	132	7	2014	2014	NUM
ajbmeb-659	132	8	.	.	PUNCT
ajbmeb-659	133	1	608	608	NUM
ajbmeb-659	133	2	p.	p.	NOUN
ajbmeb-659	133	3	(	(	PUNCT
ajbmeb-659	133	4	p.	p.	NOUN
ajbmeb-659	133	5	-544	-544	PROPN
ajbmeb-659	133	6	.	.	PUNCT
ajbmeb-659	133	7	)	)	PUNCT
ajbmeb-659	134	1	2	2	X
ajbmeb-659	134	2	.	.	PUNCT
ajbmeb-659	134	3	martina	martina	PROPN
ajbmeb-659	134	4	merkova	merkova	PROPN
ajbmeb-659	134	5	,	,	PUNCT
ajbmeb-659	134	6	josef	josef	PROPN
ajbmeb-659	134	7	drabek	drabek	PROPN
ajbmeb-659	134	8	.	.	PUNCT
ajbmeb-659	135	1	use	use	NOUN
ajbmeb-659	135	2	of	of	ADP
ajbmeb-659	135	3	risk	risk	NOUN
ajbmeb-659	135	4	analysis	analysis	NOUN
ajbmeb-659	135	5	in	in	ADP
ajbmeb-659	135	6	investment	investment	NOUN
ajbmeb-659	135	7	measurement	measurement	NOUN
ajbmeb-659	135	8	and	and	CCONJ
ajbmeb-659	135	9	management	management	NOUN
ajbmeb-659	135	10	.	.	PUNCT
ajbmeb-659	136	1	3	3	X
ajbmeb-659	136	2	.	.	X
ajbmeb-659	136	3	korshunova	korshunova	PROPN
ajbmeb-659	137	1	l.n	l.n	PROPN
ajbmeb-659	137	2	.	.	PROPN
ajbmeb-659	137	3	,	,	PUNCT
ajbmeb-659	137	4	prodanova	prodanova	PROPN
ajbmeb-659	137	5	n.a	n.a	PROPN
ajbmeb-659	137	6	.	.	PROPN
ajbmeb-659	137	7	risk	risk	NOUN
ajbmeb-659	137	8	assessment	assessment	NOUN
ajbmeb-659	137	9	and	and	CCONJ
ajbmeb-659	137	10	analysis	analysis	NOUN
ajbmeb-659	137	11	.	.	PUNCT
ajbmeb-659	138	1	m.	m.	NOUN
ajbmeb-659	138	2	:	:	PUNCT
ajbmeb-659	138	3	phoenix	phoenix	PROPN
ajbmeb-659	138	4	,	,	PUNCT
ajbmeb-659	138	5	2007.96	2007.96	NUM
ajbmeb-659	138	6	p.	p.	NOUN
ajbmeb-659	138	7	4	4	NUM
ajbmeb-659	138	8	.	.	PUNCT
ajbmeb-659	138	9	rose	rise	VERB
ajbmeb-659	138	10	p.s	p.s	PROPN
ajbmeb-659	138	11	.	.	PUNCT
ajbmeb-659	138	12	banking	banking	NOUN
ajbmeb-659	138	13	management	management	NOUN
ajbmeb-659	138	14	.	.	PUNCT
ajbmeb-659	139	1	provision	provision	NOUN
ajbmeb-659	139	2	of	of	ADP
ajbmeb-659	139	3	financial	financial	ADJ
ajbmeb-659	139	4	services	service	NOUN
ajbmeb-659	139	5	:	:	PUNCT
ajbmeb-659	139	6	per	per	ADP
ajbmeb-659	139	7	.	.	PUNCT
ajbmeb-659	140	1	from	from	ADP
ajbmeb-659	140	2	english	english	PROPN
ajbmeb-659	140	3	.	.	PUNCT
ajbmeb-659	141	1	–	–	PUNCT
ajbmeb-659	141	2	m.	m.	NOUN
ajbmeb-659	141	3	:	:	PUNCT
ajbmeb-659	141	4	delo	delo	PROPN
ajbmeb-659	141	5	ltd	ltd	PROPN
ajbmeb-659	141	6	,	,	PUNCT
ajbmeb-659	141	7	1995	1995	NUM
ajbmeb-659	141	8	.	.	PUNCT
ajbmeb-659	142	1	5	5	NUM
ajbmeb-659	142	2	.	.	X
ajbmeb-659	142	3	rose	rise	VERB
ajbmeb-659	142	4	p.	p.	PROPN
ajbmeb-659	142	5	s.	s.	PROPN
ajbmeb-659	142	6	bank	bank	PROPN
ajbmeb-659	142	7	management	management	PROPN
ajbmeb-659	142	8	.	.	PUNCT
ajbmeb-659	143	1	m	m	PROPN
ajbmeb-659	143	2	:	:	PUNCT
ajbmeb-659	144	1	business	business	NOUN
ajbmeb-659	144	2	.	.	PUNCT
ajbmeb-659	145	1	2019	2019	NUM
ajbmeb-659	145	2	.	.	PUNCT
ajbmeb-659	146	1	p.	p.	NOUN
ajbmeb-659	146	2	238	238	NUM
ajbmeb-659	146	3	.	.	PUNCT
ajbmeb-659	147	1	6	6	NUM
ajbmeb-659	147	2	.	.	X
ajbmeb-659	147	3	batrakova	batrakova	PROPN
ajbmeb-659	147	4	l.g	l.g	PROPN
ajbmeb-659	147	5	.	.	PROPN
ajbmeb-659	147	6	analysis	analysis	NOUN
ajbmeb-659	147	7	of	of	ADP
ajbmeb-659	147	8	the	the	DET
ajbmeb-659	147	9	interest	interest	NOUN
ajbmeb-659	147	10	rate	rate	NOUN
ajbmeb-659	147	11	policy	policy	NOUN
ajbmeb-659	147	12	of	of	ADP
ajbmeb-659	147	13	a	a	DET
ajbmeb-659	147	14	commercial	commercial	ADJ
ajbmeb-659	147	15	bank	bank	NOUN
ajbmeb-659	147	16	:	:	PUNCT
ajbmeb-659	147	17	textbook	textbook	NOUN
ajbmeb-659	147	18	.	.	PUNCT
ajbmeb-659	148	1	–	–	PUNCT
ajbmeb-659	148	2	m.	m.	NOUN
ajbmeb-659	148	3	:	:	PUNCT
ajbmeb-659	148	4	logos	logo	NOUN
ajbmeb-659	148	5	,	,	PUNCT
ajbmeb-659	148	6	2015	2015	NUM
ajbmeb-659	148	7	.	.	PUNCT
ajbmeb-659	149	1	–	–	PUNCT
ajbmeb-659	149	2	152	152	NUM
ajbmeb-659	149	3	p.	p.	NOUN
ajbmeb-659	149	4	7	7	NUM
ajbmeb-659	149	5	.	.	PUNCT
ajbmeb-659	150	1	barr	barr	PROPN
ajbmeb-659	150	2	r.	r.	PROPN
ajbmeb-659	150	3	political	political	ADJ
ajbmeb-659	150	4	economy	economy	NOUN
ajbmeb-659	150	5	.	.	PUNCT
ajbmeb-659	151	1	t.-m	t.-m	NOUN
ajbmeb-659	151	2	.	.	PUNCT
ajbmeb-659	152	1	international	international	ADJ
ajbmeb-659	152	2	relations	relation	NOUN
ajbmeb-659	152	3	,	,	PUNCT
ajbmeb-659	152	4	1995	1995	NUM
ajbmeb-659	152	5	,	,	PUNCT
ajbmeb-659	152	6	p.319	p.319	PROPN
ajbmeb-659	152	7	.	.	PUNCT
ajbmeb-659	152	8	8	8	NUM
ajbmeb-659	152	9	.	.	X
ajbmeb-659	152	10	shcherbakov	shcherbakov	PROPN
ajbmeb-659	152	11	s.	s.	PROPN
ajbmeb-659	152	12	s.	s.	PROPN
ajbmeb-659	152	13	banking	banking	PROPN
ajbmeb-659	152	14	innovations	innovation	NOUN
ajbmeb-659	152	15	in	in	ADP
ajbmeb-659	152	16	the	the	DET
ajbmeb-659	152	17	digital	digital	ADJ
ajbmeb-659	152	18	economy	economy	NOUN
ajbmeb-659	152	19	and	and	CCONJ
ajbmeb-659	152	20	assessment	assessment	NOUN
ajbmeb-659	152	21	of	of	ADP
ajbmeb-659	152	22	the	the	DET
ajbmeb-659	152	23	innovative	innovative	ADJ
ajbmeb-659	152	24	potential	potential	NOUN
ajbmeb-659	152	25	of	of	ADP
ajbmeb-659	152	26	russian	russian	ADJ
ajbmeb-659	152	27	banks	bank	NOUN
ajbmeb-659	152	28	//	//	SYM
ajbmeb-659	152	29	belgorod	belgorod	PROPN
ajbmeb-659	152	30	:	:	PUNCT
ajbmeb-659	152	31	ooo	ooo	INTJ
ajbmeb-659	152	32	agency	agency	NOUN
ajbmeb-659	152	33	for	for	ADP
ajbmeb-659	152	34	advanced	advanced	ADJ
ajbmeb-659	152	35	scientific	scientific	ADJ
ajbmeb-659	152	36	research	research	NOUN
ajbmeb-659	152	37	(	(	PUNCT
ajbmeb-659	152	38	apni	apni	NOUN
ajbmeb-659	152	39	)	)	PUNCT
ajbmeb-659	152	40	,	,	PUNCT
ajbmeb-659	152	41	2020	2020	NUM
ajbmeb-659	152	42	.	.	PUNCT
ajbmeb-659	153	1	p.	p.	NOUN
ajbmeb-659	153	2	30	30	NUM
ajbmeb-659	153	3	-	-	SYM
ajbmeb-659	153	4	34	34	NUM
ajbmeb-659	153	5	.	.	NOUN
ajbmeb-659	153	6	9	9	NUM
ajbmeb-659	153	7	.	.	X
ajbmeb-659	154	1	inatilloevich	inatilloevich	PROPN
ajbmeb-659	154	2	j.	j.	PROPN
ajbmeb-659	154	3	b.	b.	PROPN
ajbmeb-659	154	4	current	current	ADJ
ajbmeb-659	154	5	situation	situation	NOUN
ajbmeb-659	154	6	of	of	ADP
ajbmeb-659	154	7	the	the	DET
ajbmeb-659	154	8	stock	stock	NOUN
ajbmeb-659	154	9	market	market	NOUN
ajbmeb-659	154	10	of	of	ADP
ajbmeb-659	154	11	the	the	DET
ajbmeb-659	154	12	republic	republic	NOUN
ajbmeb-659	154	13	of	of	ADP
ajbmeb-659	154	14	uzbekistan	uzbekistan	PROPN
ajbmeb-659	154	15	//conferencea	//conferencea	PUNCT
ajbmeb-659	154	16	.	.	PUNCT
ajbmeb-659	154	17	–	–	PUNCT
ajbmeb-659	154	18	2023	2023	NUM
ajbmeb-659	154	19	.	.	PUNCT
ajbmeb-659	155	1	–	–	PUNCT
ajbmeb-659	155	2	с	с	NOUN
ajbmeb-659	155	3	.	.	PROPN
ajbmeb-659	156	1	1	1	NUM
ajbmeb-659	156	2	-	-	SYM
ajbmeb-659	156	3	4	4	NUM
ajbmeb-659	156	4	.	.	NOUN
ajbmeb-659	157	1	10	10	NUM
ajbmeb-659	157	2	.	.	PUNCT
ajbmeb-659	158	1	butaev	butaev	NOUN
ajbmeb-659	158	2	j.	j.	PROPN
ajbmeb-659	158	3	activities	activity	NOUN
ajbmeb-659	158	4	of	of	ADP
ajbmeb-659	158	5	large	large	ADJ
ajbmeb-659	158	6	issues	issue	NOUN
ajbmeb-659	158	7	in	in	ADP
ajbmeb-659	158	8	the	the	DET
ajbmeb-659	158	9	economy	economy	NOUN
ajbmeb-659	158	10	of	of	ADP
ajbmeb-659	158	11	uzbekistan	uzbekistan	PROPN
ajbmeb-659	158	12	:	:	PUNCT
ajbmeb-659	158	13	analysis	analysis	NOUN
ajbmeb-659	158	14	and	and	CCONJ
ajbmeb-659	158	15	results	result	NOUN
ajbmeb-659	158	16	//academicia	//academicia	NOUN
ajbmeb-659	158	17	:	:	PUNCT
ajbmeb-659	158	18	an	an	DET
ajbmeb-659	158	19	international	international	ADJ
ajbmeb-659	158	20	multidisciplinary	multidisciplinary	ADJ
ajbmeb-659	158	21	research	research	NOUN
ajbmeb-659	158	22	journal	journal	NOUN
ajbmeb-659	158	23	.	.	PUNCT
ajbmeb-659	159	1	–	–	PUNCT
ajbmeb-659	159	2	2021	2021	NUM
ajbmeb-659	159	3	.	.	PUNCT
ajbmeb-659	160	1	–	–	PUNCT
ajbmeb-659	160	2	т	т	X
ajbmeb-659	160	3	.	.	NOUN
ajbmeb-659	160	4	11	11	NUM
ajbmeb-659	160	5	.	.	X
ajbmeb-659	160	6	–	–	PUNCT
ajbmeb-659	160	7	№	№	NOUN
ajbmeb-659	160	8	.	.	NOUN
ajbmeb-659	161	1	6	6	NUM
ajbmeb-659	161	2	.	.	X
ajbmeb-659	161	3	–	–	PUNCT
ajbmeb-659	161	4	с	с	NOUN
ajbmeb-659	161	5	.	.	PUNCT
ajbmeb-659	162	1	757	757	PROPN
ajbmeb-659	162	2	-	-	SYM
ajbmeb-659	162	3	766	766	NUM
ajbmeb-659	162	4	.	.	PUNCT
ajbmeb-659	162	5	11	11	NUM
ajbmeb-659	162	6	.	.	PUNCT
ajbmeb-659	162	7	butaev	butaev	PROPN
ajbmeb-659	162	8	j.	j.	PROPN
ajbmeb-659	162	9	,	,	PUNCT
ajbmeb-659	162	10	radjabov	radjabov	NOUN
ajbmeb-659	162	11	u.	u.	VERB
ajbmeb-659	162	12	the	the	DET
ajbmeb-659	162	13	tax	tax	NOUN
ajbmeb-659	162	14	system	system	NOUN
ajbmeb-659	162	15	as	as	ADP
ajbmeb-659	162	16	a	a	DET
ajbmeb-659	162	17	structural	structural	ADJ
ajbmeb-659	162	18	link	link	NOUN
ajbmeb-659	162	19	of	of	ADP
ajbmeb-659	162	20	the	the	DET
ajbmeb-659	162	21	financial	financial	ADJ
ajbmeb-659	162	22	system	system	NOUN
ajbmeb-659	162	23	//academicia	//academicia	NOUN
ajbmeb-659	162	24	:	:	PUNCT
ajbmeb-659	162	25	an	an	DET
ajbmeb-659	162	26	international	international	ADJ
ajbmeb-659	162	27	multidisciplinary	multidisciplinary	ADJ
ajbmeb-659	162	28	research	research	NOUN
ajbmeb-659	162	29	journal	journal	NOUN
ajbmeb-659	162	30	.	.	PUNCT
ajbmeb-659	163	1	–	–	PUNCT
ajbmeb-659	163	2	2021	2021	NUM
ajbmeb-659	163	3	.	.	PUNCT
ajbmeb-659	164	1	–	–	PUNCT
ajbmeb-659	164	2	т	т	X
ajbmeb-659	164	3	.	.	NOUN
ajbmeb-659	164	4	11	11	NUM
ajbmeb-659	164	5	.	.	X
ajbmeb-659	164	6	–	–	PUNCT
ajbmeb-659	164	7	№	№	NOUN
ajbmeb-659	164	8	.	.	PUNCT
ajbmeb-659	165	1	4	4	NUM
ajbmeb-659	165	2	.	.	X
ajbmeb-659	165	3	–	–	PUNCT
ajbmeb-659	165	4	с	с	PROPN
ajbmeb-659	165	5	.	.	PROPN
ajbmeb-659	165	6	1770	1770	NUM
ajbmeb-659	165	7	-	-	SYM
ajbmeb-659	165	8	1780	1780	NUM
ajbmeb-659	165	9	.	.	PUNCT
ajbmeb-659	166	1	12	12	NUM
ajbmeb-659	166	2	.	.	PUNCT
ajbmeb-659	167	1	bakhtiyor	bakhtiyor	ADJ
ajbmeb-659	167	2	o‘g‘li	o‘g‘li	NOUN
ajbmeb-659	167	3	o.	o.	PROPN
ajbmeb-659	167	4	b.	b.	PROPN
ajbmeb-659	168	1	theoretical	theoretical	ADJ
ajbmeb-659	168	2	aspects	aspect	NOUN
ajbmeb-659	168	3	of	of	ADP
ajbmeb-659	168	4	investment	investment	NOUN
ajbmeb-659	168	5	attractiveness	attractiveness	NOUN
ajbmeb-659	168	6	//american	//american	PUNCT
ajbmeb-659	168	7	journal	journal	NOUN
ajbmeb-659	168	8	of	of	ADP
ajbmeb-659	168	9	technology	technology	NOUN
ajbmeb-659	168	10	and	and	CCONJ
ajbmeb-659	168	11	applied	apply	VERB
ajbmeb-659	168	12	sciences	science	NOUN
ajbmeb-659	168	13	.	.	PUNCT
ajbmeb-659	168	14	–	–	PUNCT
ajbmeb-659	168	15	2023	2023	NUM
ajbmeb-659	168	16	.	.	PUNCT
ajbmeb-659	169	1	–	–	PUNCT
ajbmeb-659	169	2	т	т	X
ajbmeb-659	169	3	.	.	PROPN
ajbmeb-659	169	4	10	10	NUM
ajbmeb-659	169	5	.	.	PUNCT
ajbmeb-659	169	6	–	–	PUNCT
ajbmeb-659	170	1	с	с	NOUN
ajbmeb-659	170	2	.	.	PUNCT
ajbmeb-659	171	1	144	144	NUM
ajbmeb-659	171	2	-	-	SYM
ajbmeb-659	171	3	149	149	NUM
ajbmeb-659	171	4	.	.	PUNCT