id	sid	tid	token	lemma	pos
ajfa-3023	1	1	microsoft	microsoft	PROPN
ajfa-3023	1	2	word	word	NOUN
ajfa-3023	1	3	3023-11596-1-rv-writer2-new.docx	3023-11596-1-rv-writer2-new.docx	NUM
ajfa-3023	1	4	asian	asian	ADJ
ajfa-3023	1	5	journal	journal	NOUN
ajfa-3023	1	6	of	of	ADP
ajfa-3023	1	7	finance	finance	PROPN
ajfa-3023	1	8	&	&	CCONJ
ajfa-3023	1	9	accounting	accounting	PROPN
ajfa-3023	1	10	issn	issn	PROPN
ajfa-3023	1	11	1946	1946	NUM
ajfa-3023	1	12	-	-	PUNCT
ajfa-3023	1	13	052x	052x	NOUN
ajfa-3023	1	14	2013	2013	NUM
ajfa-3023	1	15	,	,	PUNCT
ajfa-3023	1	16	vol	vol	NOUN
ajfa-3023	1	17	.	.	PROPN
ajfa-3023	1	18	5	5	NUM
ajfa-3023	1	19	,	,	PUNCT
ajfa-3023	1	20	no	no	INTJ
ajfa-3023	1	21	.	.	NOUN
ajfa-3023	1	22	1	1	NUM
ajfa-3023	1	23	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-3023	1	24	104	104	NUM
ajfa-3023	1	25	the	the	DET
ajfa-3023	1	26	effect	effect	NOUN
ajfa-3023	1	27	of	of	ADP
ajfa-3023	1	28	deposit	deposit	NOUN
ajfa-3023	1	29	insurance	insurance	NOUN
ajfa-3023	1	30	on	on	ADP
ajfa-3023	1	31	risk	risk	NOUN
ajfa-3023	1	32	taking	take	VERB
ajfa-3023	1	33	in	in	ADP
ajfa-3023	1	34	asian	asian	ADJ
ajfa-3023	1	35	banks	bank	NOUN
ajfa-3023	1	36	enerelt	enerelt	VERB
ajfa-3023	1	37	enkhbold	enkhbold	ADJ
ajfa-3023	1	38	national	national	PROPN
ajfa-3023	1	39	university	university	PROPN
ajfa-3023	1	40	of	of	ADP
ajfa-3023	1	41	mongolia	mongolia	PROPN
ajfa-3023	1	42	e	e	PROPN
ajfa-3023	1	43	-	-	NOUN
ajfa-3023	1	44	mail	mail	NOUN
ajfa-3023	1	45	:	:	PUNCT
ajfa-3023	1	46	eenkhbold@adb.org	eenkhbold@adb.org	NOUN
ajfa-3023	1	47	batnairamdal	batnairamdal	VERB
ajfa-3023	1	48	otgonshar	otgonshar	PROPN
ajfa-3023	1	49	resource	resource	PROPN
ajfa-3023	1	50	investment	investment	NOUN
ajfa-3023	1	51	capital	capital	PROPN
ajfa-3023	1	52	llc	llc	PROPN
ajfa-3023	1	53	&	&	CCONJ
ajfa-3023	1	54	origo	origo	PROPN
ajfa-3023	1	55	partners	partners	PROPN
ajfa-3023	1	56	plc	plc	PROPN
ajfa-3023	1	57	ulaanbaatar	ulaanbaatar	PROPN
ajfa-3023	1	58	,	,	PUNCT
ajfa-3023	1	59	mongolia	mongolia	PROPN
ajfa-3023	1	60	e	e	PROPN
ajfa-3023	1	61	-	-	NOUN
ajfa-3023	1	62	mail	mail	NOUN
ajfa-3023	1	63	:	:	PUNCT
ajfa-3023	1	64	nagi.otgonshar@resource-cap.com	nagi.otgonshar@resource-cap.com	PROPN
ajfa-3023	1	65	received	receive	VERB
ajfa-3023	1	66	:	:	PUNCT
ajfa-3023	1	67	jan	jan	PROPN
ajfa-3023	1	68	.	.	PROPN
ajfa-3023	1	69	9	9	NUM
ajfa-3023	1	70	,	,	PUNCT
ajfa-3023	1	71	2013	2013	NUM
ajfa-3023	1	72	accepted	accept	VERB
ajfa-3023	1	73	:	:	PUNCT
ajfa-3023	1	74	april	april	PROPN
ajfa-3023	1	75	1	1	NUM
ajfa-3023	1	76	,	,	PUNCT
ajfa-3023	1	77	2013	2013	NUM
ajfa-3023	1	78	published	publish	VERB
ajfa-3023	1	79	:	:	PUNCT
ajfa-3023	1	80	june	june	PROPN
ajfa-3023	1	81	1	1	NUM
ajfa-3023	1	82	,	,	PUNCT
ajfa-3023	1	83	2013	2013	NUM
ajfa-3023	1	84	doi:10.5296	doi:10.5296	NOUN
ajfa-3023	1	85	/	/	SYM
ajfa-3023	1	86	ajfa.v5i1.3023	ajfa.v5i1.3023	PROPN
ajfa-3023	1	87	url	url	NOUN
ajfa-3023	1	88	:	:	PUNCT
ajfa-3023	1	89	http://dx.doi.org/10.5296/ajfa.v5i1.3023	http://dx.doi.org/10.5296/ajfa.v5i1.3023	NUM
ajfa-3023	1	90	abstract	abstract	NOUN
ajfa-3023	1	91	this	this	DET
ajfa-3023	1	92	paper	paper	NOUN
ajfa-3023	1	93	uses	use	VERB
ajfa-3023	1	94	a	a	DET
ajfa-3023	1	95	panel	panel	NOUN
ajfa-3023	1	96	database	database	NOUN
ajfa-3023	1	97	of	of	ADP
ajfa-3023	1	98	401	401	NUM
ajfa-3023	1	99	banks	bank	NOUN
ajfa-3023	1	100	in	in	ADP
ajfa-3023	1	101	31	31	NUM
ajfa-3023	1	102	asian	asian	ADJ
ajfa-3023	1	103	countries	country	NOUN
ajfa-3023	1	104	over	over	ADP
ajfa-3023	1	105	the	the	DET
ajfa-3023	1	106	period	period	NOUN
ajfa-3023	1	107	from	from	ADP
ajfa-3023	1	108	2000	2000	NUM
ajfa-3023	1	109	to	to	ADP
ajfa-3023	1	110	2010	2010	NUM
ajfa-3023	1	111	to	to	PART
ajfa-3023	1	112	examine	examine	VERB
ajfa-3023	1	113	the	the	DET
ajfa-3023	1	114	effects	effect	NOUN
ajfa-3023	1	115	of	of	ADP
ajfa-3023	1	116	deposit	deposit	NOUN
ajfa-3023	1	117	insurance	insurance	NOUN
ajfa-3023	1	118	on	on	ADP
ajfa-3023	1	119	banks	bank	NOUN
ajfa-3023	1	120	’	’	PART
ajfa-3023	1	121	risk	risk	NOUN
ajfa-3023	1	122	-	-	PUNCT
ajfa-3023	1	123	taking	take	VERB
ajfa-3023	1	124	incentives	incentive	NOUN
ajfa-3023	1	125	.	.	PUNCT
ajfa-3023	2	1	we	we	PRON
ajfa-3023	2	2	find	find	VERB
ajfa-3023	2	3	that	that	SCONJ
ajfa-3023	2	4	risk	risk	NOUN
ajfa-3023	2	5	-	-	PUNCT
ajfa-3023	2	6	taking	take	VERB
ajfa-3023	2	7	incentives	incentive	NOUN
ajfa-3023	2	8	vary	vary	VERB
ajfa-3023	2	9	with	with	ADP
ajfa-3023	2	10	bank	bank	NOUN
ajfa-3023	2	11	size	size	NOUN
ajfa-3023	2	12	and	and	CCONJ
ajfa-3023	2	13	risks	risk	NOUN
ajfa-3023	2	14	.	.	PUNCT
ajfa-3023	3	1	in	in	ADP
ajfa-3023	3	2	addition	addition	NOUN
ajfa-3023	3	3	,	,	PUNCT
ajfa-3023	3	4	differentiated	differentiated	ADJ
ajfa-3023	3	5	premiums	premium	NOUN
ajfa-3023	3	6	may	may	AUX
ajfa-3023	3	7	not	not	PART
ajfa-3023	3	8	accurately	accurately	ADV
ajfa-3023	3	9	reflect	reflect	VERB
ajfa-3023	3	10	the	the	DET
ajfa-3023	3	11	level	level	NOUN
ajfa-3023	3	12	of	of	ADP
ajfa-3023	3	13	risk	risk	NOUN
ajfa-3023	3	14	that	that	SCONJ
ajfa-3023	3	15	a	a	DET
ajfa-3023	3	16	bank	bank	NOUN
ajfa-3023	3	17	poses	pose	NOUN
ajfa-3023	3	18	.	.	PUNCT
ajfa-3023	4	1	in	in	ADP
ajfa-3023	4	2	the	the	DET
ajfa-3023	4	3	presence	presence	NOUN
ajfa-3023	4	4	of	of	ADP
ajfa-3023	4	5	a	a	DET
ajfa-3023	4	6	deposit	deposit	NOUN
ajfa-3023	4	7	insurance	insurance	NOUN
ajfa-3023	4	8	scheme	scheme	NOUN
ajfa-3023	4	9	,	,	PUNCT
ajfa-3023	4	10	the	the	DET
ajfa-3023	4	11	pattern	pattern	NOUN
ajfa-3023	4	12	of	of	ADP
ajfa-3023	4	13	the	the	DET
ajfa-3023	4	14	non	non	ADJ
ajfa-3023	4	15	-	-	ADJ
ajfa-3023	4	16	linear	linear	ADJ
ajfa-3023	4	17	relationship	relationship	NOUN
ajfa-3023	4	18	between	between	ADP
ajfa-3023	4	19	bank	bank	NOUN
ajfa-3023	4	20	size	size	NOUN
ajfa-3023	4	21	and	and	CCONJ
ajfa-3023	4	22	risk	risk	NOUN
ajfa-3023	4	23	-	-	PUNCT
ajfa-3023	4	24	taking	take	VERB
ajfa-3023	4	25	significantly	significantly	ADV
ajfa-3023	4	26	changes	change	NOUN
ajfa-3023	4	27	.	.	PUNCT
ajfa-3023	5	1	our	our	PRON
ajfa-3023	5	2	results	result	NOUN
ajfa-3023	5	3	suggest	suggest	VERB
ajfa-3023	5	4	that	that	SCONJ
ajfa-3023	5	5	market	market	NOUN
ajfa-3023	5	6	discipline	discipline	NOUN
ajfa-3023	5	7	exercised	exercise	VERB
ajfa-3023	5	8	by	by	ADP
ajfa-3023	5	9	banks	bank	NOUN
ajfa-3023	5	10	is	be	AUX
ajfa-3023	5	11	stronger	strong	ADJ
ajfa-3023	5	12	in	in	ADP
ajfa-3023	5	13	the	the	DET
ajfa-3023	5	14	presence	presence	NOUN
ajfa-3023	5	15	of	of	ADP
ajfa-3023	5	16	mandatory	mandatory	ADJ
ajfa-3023	5	17	deposit	deposit	NOUN
ajfa-3023	5	18	insurance	insurance	NOUN
ajfa-3023	5	19	scheme	scheme	NOUN
ajfa-3023	5	20	.	.	PUNCT
ajfa-3023	6	1	government	government	NOUN
ajfa-3023	6	2	-	-	PUNCT
ajfa-3023	6	3	funded	fund	VERB
ajfa-3023	6	4	deposit	deposit	NOUN
ajfa-3023	6	5	insurance	insurance	NOUN
ajfa-3023	6	6	funds	fund	NOUN
ajfa-3023	6	7	allow	allow	VERB
ajfa-3023	6	8	asian	asian	ADJ
ajfa-3023	6	9	banks	bank	NOUN
ajfa-3023	6	10	to	to	PART
ajfa-3023	6	11	take	take	VERB
ajfa-3023	6	12	a	a	DET
ajfa-3023	6	13	higher	high	ADJ
ajfa-3023	6	14	risk	risk	NOUN
ajfa-3023	6	15	.	.	PUNCT
ajfa-3023	7	1	a	a	DET
ajfa-3023	7	2	risk	risk	NOUN
ajfa-3023	7	3	-	-	PUNCT
ajfa-3023	7	4	based	base	VERB
ajfa-3023	7	5	deposit	deposit	NOUN
ajfa-3023	7	6	insurance	insurance	NOUN
ajfa-3023	7	7	scheme	scheme	NOUN
ajfa-3023	7	8	functions	function	NOUN
ajfa-3023	7	9	more	more	ADV
ajfa-3023	7	10	effectively	effectively	ADV
ajfa-3023	7	11	in	in	ADP
ajfa-3023	7	12	the	the	DET
ajfa-3023	7	13	countries	country	NOUN
ajfa-3023	7	14	with	with	ADP
ajfa-3023	7	15	good	good	ADJ
ajfa-3023	7	16	regulatory	regulatory	ADJ
ajfa-3023	7	17	framework	framework	NOUN
ajfa-3023	7	18	and	and	CCONJ
ajfa-3023	7	19	institutional	institutional	ADJ
ajfa-3023	7	20	quality	quality	NOUN
ajfa-3023	7	21	.	.	PUNCT
ajfa-3023	8	1	keywords	keyword	NOUN
ajfa-3023	8	2	:	:	PUNCT
ajfa-3023	8	3	deposit	deposit	NOUN
ajfa-3023	8	4	insurance	insurance	NOUN
ajfa-3023	8	5	,	,	PUNCT
ajfa-3023	8	6	asia	asia	PROPN
ajfa-3023	8	7	,	,	PUNCT
ajfa-3023	8	8	emerging	emerge	VERB
ajfa-3023	8	9	markets	market	NOUN
ajfa-3023	8	10	,	,	PUNCT
ajfa-3023	8	11	bank	bank	NOUN
ajfa-3023	8	12	risk	risk	NOUN
ajfa-3023	8	13	jel	jel	PROPN
ajfa-3023	8	14	classification	classification	NOUN
ajfa-3023	8	15	codes	code	NOUN
ajfa-3023	8	16	:	:	PUNCT
ajfa-3023	8	17	g21	g21	PROPN
ajfa-3023	8	18	,	,	PUNCT
ajfa-3023	8	19	g22	g22	NOUN
ajfa-3023	8	20	,	,	PUNCT
ajfa-3023	8	21	g28	g28	VERB
ajfa-3023	8	22	1	1	NUM
ajfa-3023	8	23	.	.	PUNCT
ajfa-3023	9	1	introduction	introduction	NOUN
ajfa-3023	9	2	asian	asian	PROPN
ajfa-3023	9	3	journal	journal	PROPN
ajfa-3023	9	4	of	of	ADP
ajfa-3023	9	5	finance	finance	PROPN
ajfa-3023	9	6	&	&	CCONJ
ajfa-3023	9	7	accounting	accounting	PROPN
ajfa-3023	9	8	issn	issn	PROPN
ajfa-3023	9	9	1946	1946	NUM
ajfa-3023	9	10	-	-	PUNCT
ajfa-3023	9	11	052x	052x	NOUN
ajfa-3023	9	12	2013	2013	NUM
ajfa-3023	9	13	,	,	PUNCT
ajfa-3023	9	14	vol	vol	NOUN
ajfa-3023	9	15	.	.	PROPN
ajfa-3023	9	16	5	5	NUM
ajfa-3023	9	17	,	,	PUNCT
ajfa-3023	9	18	no	no	INTJ
ajfa-3023	9	19	.	.	NOUN
ajfa-3023	9	20	1	1	NUM
ajfa-3023	9	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	9	22	105	105	NUM
ajfa-3023	9	23	the	the	DET
ajfa-3023	9	24	deposit	deposit	NOUN
ajfa-3023	9	25	insurance	insurance	NOUN
ajfa-3023	9	26	system	system	NOUN
ajfa-3023	9	27	has	have	AUX
ajfa-3023	9	28	proliferated	proliferate	VERB
ajfa-3023	9	29	around	around	ADP
ajfa-3023	9	30	the	the	DET
ajfa-3023	9	31	world	world	NOUN
ajfa-3023	9	32	in	in	ADP
ajfa-3023	9	33	the	the	DET
ajfa-3023	9	34	last	last	ADJ
ajfa-3023	9	35	two	two	NUM
ajfa-3023	9	36	decades	decade	NOUN
ajfa-3023	9	37	and	and	CCONJ
ajfa-3023	9	38	the	the	DET
ajfa-3023	9	39	relationship	relationship	NOUN
ajfa-3023	9	40	between	between	ADP
ajfa-3023	9	41	deposit	deposit	NOUN
ajfa-3023	9	42	insurance	insurance	NOUN
ajfa-3023	9	43	,	,	PUNCT
ajfa-3023	9	44	and	and	CCONJ
ajfa-3023	9	45	bank	bank	NOUN
ajfa-3023	9	46	risk	risk	NOUN
ajfa-3023	9	47	-	-	PUNCT
ajfa-3023	9	48	taking	taking	NOUN
ajfa-3023	9	49	has	have	AUX
ajfa-3023	9	50	been	be	AUX
ajfa-3023	9	51	extensively	extensively	ADV
ajfa-3023	9	52	studied	study	VERB
ajfa-3023	9	53	in	in	ADP
ajfa-3023	9	54	the	the	DET
ajfa-3023	9	55	banking	banking	NOUN
ajfa-3023	9	56	literature	literature	NOUN
ajfa-3023	9	57	.	.	PUNCT
ajfa-3023	10	1	there	there	PRON
ajfa-3023	10	2	are	be	VERB
ajfa-3023	10	3	currently	currently	ADV
ajfa-3023	10	4	104	104	NUM
ajfa-3023	10	5	countries	country	NOUN
ajfa-3023	10	6	with	with	ADP
ajfa-3023	10	7	explicit	explicit	ADJ
ajfa-3023	10	8	or	or	CCONJ
ajfa-3023	10	9	implicit	implicit	ADJ
ajfa-3023	10	10	deposit	deposit	NOUN
ajfa-3023	10	11	insurance	insurance	NOUN
ajfa-3023	10	12	scheme	scheme	NOUN
ajfa-3023	10	13	in	in	ADP
ajfa-3023	10	14	operation	operation	NOUN
ajfa-3023	10	15	worldwide	worldwide	ADV
ajfa-3023	10	16	and	and	CCONJ
ajfa-3023	10	17	twenty	twenty	NUM
ajfa-3023	10	18	years	year	NOUN
ajfa-3023	10	19	ago	ago	ADV
ajfa-3023	10	20	,	,	PUNCT
ajfa-3023	10	21	it	it	PRON
ajfa-3023	10	22	was	be	AUX
ajfa-3023	10	23	only	only	ADV
ajfa-3023	10	24	less	less	ADJ
ajfa-3023	10	25	than	than	ADP
ajfa-3023	10	26	twenty	twenty	NUM
ajfa-3023	10	27	countries	country	NOUN
ajfa-3023	10	28	adopted	adopt	VERB
ajfa-3023	10	29	a	a	DET
ajfa-3023	10	30	deposit	deposit	NOUN
ajfa-3023	10	31	insurance	insurance	NOUN
ajfa-3023	10	32	scheme	scheme	NOUN
ajfa-3023	10	33	,	,	PUNCT
ajfa-3023	10	34	according	accord	VERB
ajfa-3023	10	35	to	to	ADP
ajfa-3023	10	36	the	the	DET
ajfa-3023	10	37	international	international	ADJ
ajfa-3023	10	38	association	association	NOUN
ajfa-3023	10	39	of	of	ADP
ajfa-3023	10	40	deposit	deposit	NOUN
ajfa-3023	10	41	insurers	insurer	NOUN
ajfa-3023	10	42	(	(	PUNCT
ajfa-3023	10	43	iadi	iadi	NOUN
ajfa-3023	10	44	)	)	PUNCT
ajfa-3023	10	45	.	.	PUNCT
ajfa-3023	11	1	in	in	ADP
ajfa-3023	11	2	spite	spite	NOUN
ajfa-3023	11	3	of	of	ADP
ajfa-3023	11	4	its	its	PRON
ajfa-3023	11	5	widespread	widespread	ADJ
ajfa-3023	11	6	use	use	NOUN
ajfa-3023	11	7	,	,	PUNCT
ajfa-3023	11	8	empirical	empirical	ADJ
ajfa-3023	11	9	studies	study	NOUN
ajfa-3023	11	10	provide	provide	VERB
ajfa-3023	11	11	conflicting	conflicting	ADJ
ajfa-3023	11	12	results	result	NOUN
ajfa-3023	11	13	on	on	ADP
ajfa-3023	11	14	the	the	DET
ajfa-3023	11	15	impact	impact	NOUN
ajfa-3023	11	16	of	of	ADP
ajfa-3023	11	17	(	(	PUNCT
ajfa-3023	11	18	explicit	explicit	ADJ
ajfa-3023	11	19	)	)	PUNCT
ajfa-3023	11	20	deposit	deposit	NOUN
ajfa-3023	11	21	insurance	insurance	NOUN
ajfa-3023	11	22	schemes	scheme	NOUN
ajfa-3023	11	23	on	on	ADP
ajfa-3023	11	24	the	the	DET
ajfa-3023	11	25	risk	risk	NOUN
ajfa-3023	11	26	-	-	PUNCT
ajfa-3023	11	27	taking	taking	NOUN
ajfa-3023	11	28	of	of	ADP
ajfa-3023	11	29	banks	bank	NOUN
ajfa-3023	11	30	.	.	PUNCT
ajfa-3023	12	1	the	the	DET
ajfa-3023	12	2	regulators	regulator	NOUN
ajfa-3023	12	3	can	can	AUX
ajfa-3023	12	4	prevent	prevent	VERB
ajfa-3023	12	5	bank	bank	NOUN
ajfa-3023	12	6	runs	run	NOUN
ajfa-3023	12	7	with	with	ADP
ajfa-3023	12	8	a	a	DET
ajfa-3023	12	9	generous	generous	ADJ
ajfa-3023	12	10	deposit	deposit	NOUN
ajfa-3023	12	11	insurance	insurance	NOUN
ajfa-3023	12	12	scheme	scheme	NOUN
ajfa-3023	12	13	(	(	PUNCT
ajfa-3023	12	14	morrisons	morrison	NOUN
ajfa-3023	12	15	&	&	CCONJ
ajfa-3023	12	16	white	white	ADJ
ajfa-3023	12	17	,	,	PUNCT
ajfa-3023	12	18	2006	2006	NUM
ajfa-3023	12	19	)	)	PUNCT
ajfa-3023	12	20	.	.	PUNCT
ajfa-3023	13	1	explicit	explicit	ADJ
ajfa-3023	13	2	or	or	CCONJ
ajfa-3023	13	3	implicit	implicit	ADJ
ajfa-3023	13	4	deposit	deposit	NOUN
ajfa-3023	13	5	potentially	potentially	ADV
ajfa-3023	13	6	reduce	reduce	VERB
ajfa-3023	13	7	the	the	DET
ajfa-3023	13	8	likelihood	likelihood	NOUN
ajfa-3023	13	9	and	and	CCONJ
ajfa-3023	13	10	severity	severity	NOUN
ajfa-3023	13	11	of	of	ADP
ajfa-3023	13	12	bank	bank	NOUN
ajfa-3023	13	13	runs	run	NOUN
ajfa-3023	13	14	during	during	ADP
ajfa-3023	13	15	a	a	DET
ajfa-3023	13	16	financial	financial	ADJ
ajfa-3023	13	17	crisis	crisis	NOUN
ajfa-3023	13	18	and	and	CCONJ
ajfa-3023	13	19	thus	thus	ADV
ajfa-3023	13	20	can	can	AUX
ajfa-3023	13	21	be	be	AUX
ajfa-3023	13	22	an	an	DET
ajfa-3023	13	23	effective	effective	ADJ
ajfa-3023	13	24	financial	financial	ADJ
ajfa-3023	13	25	tool	tool	NOUN
ajfa-3023	13	26	for	for	ADP
ajfa-3023	13	27	governments	government	NOUN
ajfa-3023	13	28	to	to	PART
ajfa-3023	13	29	ensure	ensure	VERB
ajfa-3023	13	30	the	the	DET
ajfa-3023	13	31	safety	safety	NOUN
ajfa-3023	13	32	and	and	CCONJ
ajfa-3023	13	33	soundness	soundness	NOUN
ajfa-3023	13	34	of	of	ADP
ajfa-3023	13	35	the	the	DET
ajfa-3023	13	36	financial	financial	ADJ
ajfa-3023	13	37	system	system	NOUN
ajfa-3023	13	38	and	and	CCONJ
ajfa-3023	13	39	to	to	PART
ajfa-3023	13	40	protect	protect	VERB
ajfa-3023	13	41	depositors	depositor	NOUN
ajfa-3023	13	42	from	from	ADP
ajfa-3023	13	43	losses	loss	NOUN
ajfa-3023	13	44	by	by	ADP
ajfa-3023	13	45	insolvent	insolvent	ADJ
ajfa-3023	13	46	banks	bank	NOUN
ajfa-3023	13	47	during	during	ADP
ajfa-3023	13	48	crisis	crisis	NOUN
ajfa-3023	13	49	times	time	NOUN
ajfa-3023	13	50	.	.	PUNCT
ajfa-3023	14	1	further	further	ADJ
ajfa-3023	14	2	deposit	deposit	NOUN
ajfa-3023	14	3	insurance	insurance	NOUN
ajfa-3023	14	4	can	can	AUX
ajfa-3023	14	5	help	help	VERB
ajfa-3023	14	6	to	to	PART
ajfa-3023	14	7	restore	restore	VERB
ajfa-3023	14	8	depositors	depositor	NOUN
ajfa-3023	14	9	’	’	PART
ajfa-3023	14	10	confidence	confidence	NOUN
ajfa-3023	14	11	and	and	CCONJ
ajfa-3023	14	12	thus	thus	ADV
ajfa-3023	14	13	promote	promote	VERB
ajfa-3023	14	14	financial	financial	ADJ
ajfa-3023	14	15	intermediary	intermediary	NOUN
ajfa-3023	14	16	development	development	NOUN
ajfa-3023	14	17	.	.	PUNCT
ajfa-3023	15	1	in	in	ADP
ajfa-3023	15	2	spite	spite	NOUN
ajfa-3023	15	3	of	of	ADP
ajfa-3023	15	4	the	the	DET
ajfa-3023	15	5	positive	positive	ADJ
ajfa-3023	15	6	effects	effect	NOUN
ajfa-3023	15	7	of	of	ADP
ajfa-3023	15	8	deposit	deposit	NOUN
ajfa-3023	15	9	insurance	insurance	NOUN
ajfa-3023	15	10	,	,	PUNCT
ajfa-3023	15	11	there	there	PRON
ajfa-3023	15	12	is	be	VERB
ajfa-3023	15	13	a	a	DET
ajfa-3023	15	14	widespread	widespread	ADJ
ajfa-3023	15	15	consensus	consensus	NOUN
ajfa-3023	15	16	that	that	SCONJ
ajfa-3023	15	17	guarantees	guarantee	NOUN
ajfa-3023	15	18	of	of	ADP
ajfa-3023	15	19	depositors	depositor	NOUN
ajfa-3023	15	20	and	and	CCONJ
ajfa-3023	15	21	creditors	creditor	NOUN
ajfa-3023	15	22	induce	induce	VERB
ajfa-3023	15	23	banks	bank	NOUN
ajfa-3023	15	24	to	to	PART
ajfa-3023	15	25	take	take	VERB
ajfa-3023	15	26	excessive	excessive	ADJ
ajfa-3023	15	27	risks	risk	NOUN
ajfa-3023	15	28	.	.	PUNCT
ajfa-3023	16	1	the	the	DET
ajfa-3023	16	2	voluminous	voluminous	ADJ
ajfa-3023	16	3	literature	literature	NOUN
ajfa-3023	16	4	indicates	indicate	VERB
ajfa-3023	16	5	adverse	adverse	ADJ
ajfa-3023	16	6	consequences	consequence	NOUN
ajfa-3023	16	7	of	of	ADP
ajfa-3023	16	8	deposit	deposit	NOUN
ajfa-3023	16	9	insurance	insurance	NOUN
ajfa-3023	16	10	related	relate	VERB
ajfa-3023	16	11	to	to	ADP
ajfa-3023	16	12	moral	moral	ADJ
ajfa-3023	16	13	hazard	hazard	NOUN
ajfa-3023	16	14	and	and	CCONJ
ajfa-3023	16	15	adverse	adverse	ADJ
ajfa-3023	16	16	selection	selection	NOUN
ajfa-3023	16	17	.	.	PUNCT
ajfa-3023	17	1	according	accord	VERB
ajfa-3023	17	2	to	to	ADP
ajfa-3023	17	3	the	the	DET
ajfa-3023	17	4	moral	moral	ADJ
ajfa-3023	17	5	hazard	hazard	NOUN
ajfa-3023	17	6	theory	theory	NOUN
ajfa-3023	17	7	,	,	PUNCT
ajfa-3023	17	8	the	the	DET
ajfa-3023	17	9	insurant	insurant	NOUN
ajfa-3023	17	10	tends	tend	VERB
ajfa-3023	17	11	to	to	PART
ajfa-3023	17	12	be	be	AUX
ajfa-3023	17	13	less	less	ADV
ajfa-3023	17	14	careful	careful	ADJ
ajfa-3023	17	15	about	about	ADP
ajfa-3023	17	16	risk	risk	NOUN
ajfa-3023	17	17	behavior	behavior	NOUN
ajfa-3023	17	18	since	since	SCONJ
ajfa-3023	17	19	the	the	DET
ajfa-3023	17	20	potential	potential	ADJ
ajfa-3023	17	21	loss	loss	NOUN
ajfa-3023	17	22	is	be	AUX
ajfa-3023	17	23	protected	protect	VERB
ajfa-3023	17	24	by	by	ADP
ajfa-3023	17	25	the	the	DET
ajfa-3023	17	26	deposit	deposit	NOUN
ajfa-3023	17	27	insurer	insurer	NOUN
ajfa-3023	17	28	.	.	PUNCT
ajfa-3023	18	1	the	the	DET
ajfa-3023	18	2	moral	moral	ADJ
ajfa-3023	18	3	hazard	hazard	NOUN
ajfa-3023	18	4	problem	problem	NOUN
ajfa-3023	18	5	associated	associate	VERB
ajfa-3023	18	6	with	with	ADP
ajfa-3023	18	7	deposit	deposit	NOUN
ajfa-3023	18	8	insurance	insurance	NOUN
ajfa-3023	18	9	is	be	AUX
ajfa-3023	18	10	usually	usually	ADV
ajfa-3023	18	11	interpreted	interpret	VERB
ajfa-3023	18	12	in	in	ADP
ajfa-3023	18	13	terms	term	NOUN
ajfa-3023	18	14	of	of	ADP
ajfa-3023	18	15	an	an	DET
ajfa-3023	18	16	incentive	incentive	NOUN
ajfa-3023	18	17	for	for	SCONJ
ajfa-3023	18	18	a	a	DET
ajfa-3023	18	19	bank	bank	NOUN
ajfa-3023	18	20	to	to	PART
ajfa-3023	18	21	increase	increase	VERB
ajfa-3023	18	22	the	the	DET
ajfa-3023	18	23	risk	risk	NOUN
ajfa-3023	18	24	in	in	ADP
ajfa-3023	18	25	search	search	NOUN
ajfa-3023	18	26	for	for	ADP
ajfa-3023	18	27	higher	high	ADJ
ajfa-3023	18	28	profits	profit	NOUN
ajfa-3023	18	29	(	(	PUNCT
ajfa-3023	18	30	forssbæck	forssbæck	ADJ
ajfa-3023	18	31	,	,	PUNCT
ajfa-3023	18	32	2011	2011	NUM
ajfa-3023	18	33	)	)	PUNCT
ajfa-3023	18	34	.	.	PUNCT
ajfa-3023	19	1	martin	martin	PROPN
ajfa-3023	19	2	(	(	PUNCT
ajfa-3023	19	3	2006	2006	NUM
ajfa-3023	19	4	)	)	PUNCT
ajfa-3023	19	5	argues	argue	VERB
ajfa-3023	19	6	that	that	SCONJ
ajfa-3023	19	7	complete	complete	ADJ
ajfa-3023	19	8	deposit	deposit	NOUN
ajfa-3023	19	9	insurance	insurance	NOUN
ajfa-3023	19	10	weakens	weaken	VERB
ajfa-3023	19	11	market	market	NOUN
ajfa-3023	19	12	discipline	discipline	NOUN
ajfa-3023	19	13	and	and	CCONJ
ajfa-3023	19	14	increases	increase	VERB
ajfa-3023	19	15	the	the	DET
ajfa-3023	19	16	chance	chance	NOUN
ajfa-3023	19	17	of	of	ADP
ajfa-3023	19	18	banking	banking	NOUN
ajfa-3023	19	19	failures	failure	NOUN
ajfa-3023	19	20	.	.	PUNCT
ajfa-3023	20	1	depositors	depositor	NOUN
ajfa-3023	20	2	and	and	CCONJ
ajfa-3023	20	3	banks	bank	NOUN
ajfa-3023	20	4	protected	protect	VERB
ajfa-3023	20	5	from	from	ADP
ajfa-3023	20	6	the	the	DET
ajfa-3023	20	7	negative	negative	ADJ
ajfa-3023	20	8	consequence	consequence	NOUN
ajfa-3023	20	9	of	of	ADP
ajfa-3023	20	10	risk	risk	NOUN
ajfa-3023	20	11	-	-	PUNCT
ajfa-3023	20	12	taking	taking	NOUN
ajfa-3023	20	13	will	will	AUX
ajfa-3023	20	14	not	not	PART
ajfa-3023	20	15	hesitate	hesitate	VERB
ajfa-3023	20	16	to	to	PART
ajfa-3023	20	17	engage	engage	VERB
ajfa-3023	20	18	in	in	ADP
ajfa-3023	20	19	risky	risky	ADJ
ajfa-3023	20	20	banking	banking	NOUN
ajfa-3023	20	21	practices	practice	NOUN
ajfa-3023	20	22	.	.	PUNCT
ajfa-3023	21	1	on	on	ADP
ajfa-3023	21	2	the	the	DET
ajfa-3023	21	3	other	other	ADJ
ajfa-3023	21	4	hand	hand	NOUN
ajfa-3023	21	5	,	,	PUNCT
ajfa-3023	21	6	a	a	DET
ajfa-3023	21	7	handful	handful	NOUN
ajfa-3023	21	8	of	of	ADP
ajfa-3023	21	9	contrasting	contrast	VERB
ajfa-3023	21	10	studies	study	NOUN
ajfa-3023	21	11	find	find	VERB
ajfa-3023	21	12	no	no	DET
ajfa-3023	21	13	significant	significant	ADJ
ajfa-3023	21	14	relationship	relationship	NOUN
ajfa-3023	21	15	between	between	ADP
ajfa-3023	21	16	deposit	deposit	NOUN
ajfa-3023	21	17	insurance	insurance	NOUN
ajfa-3023	21	18	and	and	CCONJ
ajfa-3023	21	19	bank	bank	NOUN
ajfa-3023	21	20	risk	risk	NOUN
ajfa-3023	21	21	taking	taking	NOUN
ajfa-3023	21	22	.	.	PUNCT
ajfa-3023	22	1	the	the	DET
ajfa-3023	22	2	aim	aim	NOUN
ajfa-3023	22	3	of	of	ADP
ajfa-3023	22	4	this	this	DET
ajfa-3023	22	5	study	study	NOUN
ajfa-3023	22	6	is	be	AUX
ajfa-3023	22	7	to	to	PART
ajfa-3023	22	8	assess	assess	VERB
ajfa-3023	22	9	the	the	DET
ajfa-3023	22	10	impact	impact	NOUN
ajfa-3023	22	11	of	of	ADP
ajfa-3023	22	12	deposit	deposit	NOUN
ajfa-3023	22	13	insurance	insurance	NOUN
ajfa-3023	22	14	on	on	ADP
ajfa-3023	22	15	bank	bank	NOUN
ajfa-3023	22	16	riskiness	riskiness	NOUN
ajfa-3023	22	17	in	in	ADP
ajfa-3023	22	18	asian	asian	ADJ
ajfa-3023	22	19	countries	country	NOUN
ajfa-3023	22	20	–	–	PUNCT
ajfa-3023	22	21	it	it	PRON
ajfa-3023	22	22	extends	extend	VERB
ajfa-3023	22	23	the	the	DET
ajfa-3023	22	24	current	current	ADJ
ajfa-3023	22	25	analyses	analysis	NOUN
ajfa-3023	22	26	into	into	ADP
ajfa-3023	22	27	the	the	DET
ajfa-3023	22	28	asian	asian	ADJ
ajfa-3023	22	29	context	context	NOUN
ajfa-3023	22	30	.	.	PUNCT
ajfa-3023	23	1	in	in	ADP
ajfa-3023	23	2	the	the	DET
ajfa-3023	23	3	literature	literature	NOUN
ajfa-3023	23	4	,	,	PUNCT
ajfa-3023	23	5	there	there	PRON
ajfa-3023	23	6	are	be	VERB
ajfa-3023	23	7	a	a	DET
ajfa-3023	23	8	number	number	NOUN
ajfa-3023	23	9	of	of	ADP
ajfa-3023	23	10	tests	test	NOUN
ajfa-3023	23	11	for	for	ADP
ajfa-3023	23	12	the	the	DET
ajfa-3023	23	13	impact	impact	NOUN
ajfa-3023	23	14	of	of	ADP
ajfa-3023	23	15	deposit	deposit	NOUN
ajfa-3023	23	16	insurance	insurance	NOUN
ajfa-3023	23	17	on	on	ADP
ajfa-3023	23	18	bank	bank	NOUN
ajfa-3023	23	19	risk	risk	NOUN
ajfa-3023	23	20	-	-	PUNCT
ajfa-3023	23	21	taking	taking	NOUN
ajfa-3023	23	22	in	in	ADP
ajfa-3023	23	23	the	the	DET
ajfa-3023	23	24	us	us	PROPN
ajfa-3023	23	25	and	and	CCONJ
ajfa-3023	23	26	europe	europe	PROPN
ajfa-3023	23	27	but	but	CCONJ
ajfa-3023	23	28	very	very	ADV
ajfa-3023	23	29	few	few	ADJ
ajfa-3023	23	30	in	in	ADP
ajfa-3023	23	31	asia	asia	PROPN
ajfa-3023	23	32	.	.	PUNCT
ajfa-3023	24	1	several	several	ADJ
ajfa-3023	24	2	studies	study	NOUN
ajfa-3023	24	3	include	include	VERB
ajfa-3023	24	4	the	the	DET
ajfa-3023	24	5	data	datum	NOUN
ajfa-3023	24	6	of	of	ADP
ajfa-3023	24	7	asian	asian	ADJ
ajfa-3023	24	8	banks	bank	NOUN
ajfa-3023	24	9	in	in	ADP
ajfa-3023	24	10	their	their	PRON
ajfa-3023	24	11	sample	sample	NOUN
ajfa-3023	24	12	set	set	NOUN
ajfa-3023	24	13	,	,	PUNCT
ajfa-3023	24	14	but	but	CCONJ
ajfa-3023	24	15	their	their	PRON
ajfa-3023	24	16	primary	primary	ADJ
ajfa-3023	24	17	research	research	NOUN
ajfa-3023	24	18	focus	focus	NOUN
ajfa-3023	24	19	was	be	AUX
ajfa-3023	24	20	not	not	PART
ajfa-3023	24	21	on	on	ADP
ajfa-3023	24	22	the	the	DET
ajfa-3023	24	23	continent	continent	NOUN
ajfa-3023	24	24	(	(	PUNCT
ajfa-3023	24	25	angkinand	angkinand	NOUN
ajfa-3023	24	26	&	&	CCONJ
ajfa-3023	24	27	wihlborg	wihlborg	PROPN
ajfa-3023	24	28	,	,	PUNCT
ajfa-3023	24	29	2007	2007	NUM
ajfa-3023	24	30	;	;	PUNCT
ajfa-3023	24	31	demirguc	demirguc	PROPN
ajfa-3023	24	32	-	-	PUNCT
ajfa-3023	24	33	kunt	kunt	PROPN
ajfa-3023	24	34	&	&	CCONJ
ajfa-3023	24	35	detragiache	detragiache	PROPN
ajfa-3023	24	36	,	,	PUNCT
ajfa-3023	24	37	2000	2000	NUM
ajfa-3023	24	38	)	)	PUNCT
ajfa-3023	24	39	.	.	PUNCT
ajfa-3023	25	1	the	the	DET
ajfa-3023	25	2	institutional	institutional	ADJ
ajfa-3023	25	3	background	background	NOUN
ajfa-3023	25	4	of	of	ADP
ajfa-3023	25	5	the	the	DET
ajfa-3023	25	6	asian	asian	ADJ
ajfa-3023	25	7	banking	banking	NOUN
ajfa-3023	25	8	system	system	NOUN
ajfa-3023	25	9	is	be	AUX
ajfa-3023	25	10	special	special	ADJ
ajfa-3023	25	11	for	for	ADP
ajfa-3023	25	12	several	several	ADJ
ajfa-3023	25	13	reasons	reason	NOUN
ajfa-3023	25	14	.	.	PUNCT
ajfa-3023	26	1	firstly	firstly	ADV
ajfa-3023	26	2	,	,	PUNCT
ajfa-3023	26	3	emerging	emerge	VERB
ajfa-3023	26	4	markets	market	NOUN
ajfa-3023	26	5	dominate	dominate	VERB
ajfa-3023	26	6	the	the	DET
ajfa-3023	26	7	asian	asian	ADJ
ajfa-3023	26	8	economy	economy	NOUN
ajfa-3023	26	9	.	.	PUNCT
ajfa-3023	27	1	secondly	secondly	ADV
ajfa-3023	27	2	,	,	PUNCT
ajfa-3023	27	3	asian	asian	ADJ
ajfa-3023	27	4	governments	government	NOUN
ajfa-3023	27	5	heavily	heavily	ADV
ajfa-3023	27	6	regulate	regulate	VERB
ajfa-3023	27	7	the	the	DET
ajfa-3023	27	8	financial	financial	ADJ
ajfa-3023	27	9	sector	sector	NOUN
ajfa-3023	27	10	,	,	PUNCT
ajfa-3023	27	11	though	though	SCONJ
ajfa-3023	27	12	several	several	ADJ
ajfa-3023	27	13	countries	country	NOUN
ajfa-3023	27	14	attempt	attempt	VERB
ajfa-3023	27	15	to	to	PART
ajfa-3023	27	16	liberalize	liberalize	VERB
ajfa-3023	27	17	their	their	PRON
ajfa-3023	27	18	economies	economy	NOUN
ajfa-3023	27	19	.	.	PUNCT
ajfa-3023	28	1	finally	finally	ADV
ajfa-3023	28	2	,	,	PUNCT
ajfa-3023	28	3	non	non	ADJ
ajfa-3023	28	4	-	-	ADJ
ajfa-3023	28	5	listed	listed	ADJ
ajfa-3023	28	6	banks	bank	NOUN
ajfa-3023	28	7	outnumber	outnumber	ADV
ajfa-3023	28	8	listed	list	VERB
ajfa-3023	28	9	banks	bank	NOUN
ajfa-3023	28	10	in	in	ADP
ajfa-3023	28	11	asia	asia	PROPN
ajfa-3023	28	12	,	,	PUNCT
ajfa-3023	28	13	and	and	CCONJ
ajfa-3023	28	14	comparably	comparably	ADV
ajfa-3023	28	15	weak	weak	ADJ
ajfa-3023	28	16	transparency	transparency	NOUN
ajfa-3023	28	17	is	be	AUX
ajfa-3023	28	18	likely	likely	ADJ
ajfa-3023	28	19	to	to	PART
ajfa-3023	28	20	generate	generate	VERB
ajfa-3023	28	21	a	a	DET
ajfa-3023	28	22	moral	moral	ADJ
ajfa-3023	28	23	hazard	hazard	NOUN
ajfa-3023	28	24	and	and	CCONJ
ajfa-3023	28	25	contribute	contribute	VERB
ajfa-3023	28	26	to	to	ADP
ajfa-3023	28	27	bank	bank	NOUN
ajfa-3023	28	28	runs	run	NOUN
ajfa-3023	28	29	.	.	PUNCT
ajfa-3023	29	1	to	to	PART
ajfa-3023	29	2	examine	examine	VERB
ajfa-3023	29	3	the	the	DET
ajfa-3023	29	4	impact	impact	NOUN
ajfa-3023	29	5	of	of	ADP
ajfa-3023	29	6	deposit	deposit	NOUN
ajfa-3023	29	7	insurance	insurance	NOUN
ajfa-3023	29	8	,	,	PUNCT
ajfa-3023	29	9	we	we	PRON
ajfa-3023	29	10	test	test	VERB
ajfa-3023	29	11	for	for	ADP
ajfa-3023	29	12	bank	bank	NOUN
ajfa-3023	29	13	characteristic	characteristic	ADJ
ajfa-3023	29	14	measures	measure	NOUN
ajfa-3023	29	15	on	on	ADP
ajfa-3023	29	16	the	the	DET
ajfa-3023	29	17	risk	risk	NOUN
ajfa-3023	29	18	-	-	PUNCT
ajfa-3023	29	19	taking	take	VERB
ajfa-3023	29	20	behavior	behavior	NOUN
ajfa-3023	29	21	of	of	ADP
ajfa-3023	29	22	401	401	NUM
ajfa-3023	29	23	depository	depository	NOUN
ajfa-3023	29	24	banks	bank	NOUN
ajfa-3023	29	25	in	in	ADP
ajfa-3023	29	26	31	31	NUM
ajfa-3023	29	27	asian	asian	ADJ
ajfa-3023	29	28	nations	nation	NOUN
ajfa-3023	29	29	of	of	ADP
ajfa-3023	29	30	which	which	PRON
ajfa-3023	29	31	20	20	NUM
ajfa-3023	29	32	have	have	VERB
ajfa-3023	29	33	explicit	explicit	ADJ
ajfa-3023	29	34	deposit	deposit	NOUN
ajfa-3023	29	35	insurance	insurance	NOUN
ajfa-3023	29	36	.	.	PUNCT
ajfa-3023	30	1	the	the	DET
ajfa-3023	30	2	data	datum	NOUN
ajfa-3023	30	3	set	set	VERB
ajfa-3023	30	4	covers	cover	VERB
ajfa-3023	30	5	the	the	DET
ajfa-3023	30	6	period	period	NOUN
ajfa-3023	30	7	from	from	ADP
ajfa-3023	30	8	2000	2000	NUM
ajfa-3023	30	9	to	to	ADP
ajfa-3023	30	10	2010	2010	NUM
ajfa-3023	30	11	.	.	PUNCT
ajfa-3023	31	1	different	different	ADJ
ajfa-3023	31	2	proxies	proxy	NOUN
ajfa-3023	31	3	are	be	AUX
ajfa-3023	31	4	used	use	VERB
ajfa-3023	31	5	for	for	ADP
ajfa-3023	31	6	overall	overall	ADJ
ajfa-3023	31	7	default	default	NOUN
ajfa-3023	31	8	risk	risk	NOUN
ajfa-3023	31	9	,	,	PUNCT
ajfa-3023	31	10	credit	credit	NOUN
ajfa-3023	31	11	risk	risk	NOUN
ajfa-3023	31	12	and	and	CCONJ
ajfa-3023	31	13	liquidity	liquidity	NOUN
ajfa-3023	31	14	risk	risk	NOUN
ajfa-3023	31	15	.	.	PUNCT
ajfa-3023	32	1	we	we	PRON
ajfa-3023	32	2	also	also	ADV
ajfa-3023	32	3	investigate	investigate	VERB
ajfa-3023	32	4	the	the	DET
ajfa-3023	32	5	effects	effect	NOUN
ajfa-3023	32	6	of	of	ADP
ajfa-3023	32	7	a	a	DET
ajfa-3023	32	8	state	state	NOUN
ajfa-3023	32	9	-	-	PUNCT
ajfa-3023	32	10	funded	fund	VERB
ajfa-3023	32	11	deposit	deposit	NOUN
ajfa-3023	32	12	insurance	insurance	NOUN
ajfa-3023	32	13	scheme	scheme	NOUN
ajfa-3023	32	14	,	,	PUNCT
ajfa-3023	32	15	deposit	deposit	NOUN
ajfa-3023	32	16	premium	premium	NOUN
ajfa-3023	32	17	and	and	CCONJ
ajfa-3023	32	18	types	type	NOUN
ajfa-3023	32	19	of	of	ADP
ajfa-3023	32	20	membership	membership	NOUN
ajfa-3023	32	21	of	of	ADP
ajfa-3023	32	22	the	the	DET
ajfa-3023	32	23	asian	asian	ADJ
ajfa-3023	32	24	journal	journal	NOUN
ajfa-3023	32	25	of	of	ADP
ajfa-3023	32	26	finance	finance	PROPN
ajfa-3023	32	27	&	&	CCONJ
ajfa-3023	32	28	accounting	accounting	PROPN
ajfa-3023	32	29	issn	issn	PROPN
ajfa-3023	32	30	1946	1946	NUM
ajfa-3023	32	31	-	-	PUNCT
ajfa-3023	32	32	052x	052x	NOUN
ajfa-3023	32	33	2013	2013	NUM
ajfa-3023	32	34	,	,	PUNCT
ajfa-3023	32	35	vol	vol	NOUN
ajfa-3023	32	36	.	.	PROPN
ajfa-3023	32	37	5	5	NUM
ajfa-3023	32	38	,	,	PUNCT
ajfa-3023	32	39	no	no	INTJ
ajfa-3023	32	40	.	.	NOUN
ajfa-3023	32	41	1	1	NUM
ajfa-3023	32	42	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	32	43	106	106	NUM
ajfa-3023	32	44	insurance	insurance	NOUN
ajfa-3023	32	45	fund	fund	NOUN
ajfa-3023	32	46	on	on	ADP
ajfa-3023	32	47	banks	bank	NOUN
ajfa-3023	32	48	’	’	PART
ajfa-3023	32	49	risk	risk	NOUN
ajfa-3023	32	50	-	-	PUNCT
ajfa-3023	32	51	taking	taking	NOUN
ajfa-3023	32	52	.	.	PUNCT
ajfa-3023	33	1	the	the	DET
ajfa-3023	33	2	key	key	ADJ
ajfa-3023	33	3	findings	finding	NOUN
ajfa-3023	33	4	are	be	AUX
ajfa-3023	33	5	as	as	SCONJ
ajfa-3023	33	6	follows	follow	VERB
ajfa-3023	33	7	:	:	PUNCT
ajfa-3023	33	8	firstly	firstly	ADV
ajfa-3023	33	9	,	,	PUNCT
ajfa-3023	33	10	risk	risk	NOUN
ajfa-3023	33	11	-	-	PUNCT
ajfa-3023	33	12	taking	take	VERB
ajfa-3023	33	13	differs	differ	NOUN
ajfa-3023	33	14	across	across	ADP
ajfa-3023	33	15	bank	bank	NOUN
ajfa-3023	33	16	size	size	NOUN
ajfa-3023	33	17	and	and	CCONJ
ajfa-3023	33	18	the	the	DET
ajfa-3023	33	19	pattern	pattern	NOUN
ajfa-3023	33	20	of	of	ADP
ajfa-3023	33	21	non	non	ADJ
ajfa-3023	33	22	-	-	ADJ
ajfa-3023	33	23	linear	linear	ADJ
ajfa-3023	33	24	relationship	relationship	NOUN
ajfa-3023	33	25	between	between	ADP
ajfa-3023	33	26	risk	risk	NOUN
ajfa-3023	33	27	-	-	PUNCT
ajfa-3023	33	28	taking	taking	NOUN
ajfa-3023	33	29	and	and	CCONJ
ajfa-3023	33	30	bank	bank	NOUN
ajfa-3023	33	31	size	size	NOUN
ajfa-3023	33	32	changes	change	NOUN
ajfa-3023	33	33	across	across	ADP
ajfa-3023	33	34	bank	bank	NOUN
ajfa-3023	33	35	risks	risk	NOUN
ajfa-3023	33	36	in	in	ADP
ajfa-3023	33	37	the	the	DET
ajfa-3023	33	38	presence	presence	NOUN
ajfa-3023	33	39	of	of	ADP
ajfa-3023	33	40	explicit	explicit	ADJ
ajfa-3023	33	41	deposit	deposit	NOUN
ajfa-3023	33	42	insurance	insurance	NOUN
ajfa-3023	33	43	.	.	PUNCT
ajfa-3023	34	1	secondly	secondly	ADV
ajfa-3023	34	2	,	,	PUNCT
ajfa-3023	34	3	a	a	DET
ajfa-3023	34	4	mandatory	mandatory	ADJ
ajfa-3023	34	5	deposit	deposit	NOUN
ajfa-3023	34	6	insurance	insurance	NOUN
ajfa-3023	34	7	scheme	scheme	NOUN
ajfa-3023	34	8	disciplines	discipline	VERB
ajfa-3023	34	9	banks	bank	NOUN
ajfa-3023	34	10	to	to	PART
ajfa-3023	34	11	monitor	monitor	VERB
ajfa-3023	34	12	one	one	NUM
ajfa-3023	34	13	another	another	PRON
ajfa-3023	34	14	’s	’s	PART
ajfa-3023	34	15	risk	risk	NOUN
ajfa-3023	34	16	-	-	PUNCT
ajfa-3023	34	17	taking	taking	NOUN
ajfa-3023	34	18	.	.	PUNCT
ajfa-3023	35	1	the	the	DET
ajfa-3023	35	2	findings	finding	NOUN
ajfa-3023	35	3	suggest	suggest	VERB
ajfa-3023	35	4	that	that	SCONJ
ajfa-3023	35	5	the	the	DET
ajfa-3023	35	6	increase	increase	NOUN
ajfa-3023	35	7	in	in	ADP
ajfa-3023	35	8	government	government	NOUN
ajfa-3023	35	9	funding	funding	NOUN
ajfa-3023	35	10	of	of	ADP
ajfa-3023	35	11	deposit	deposit	NOUN
ajfa-3023	35	12	insurance	insurance	NOUN
ajfa-3023	35	13	incentivizes	incentivize	VERB
ajfa-3023	35	14	banks	bank	NOUN
ajfa-3023	35	15	’	’	PART
ajfa-3023	35	16	risk	risk	NOUN
ajfa-3023	35	17	-	-	PUNCT
ajfa-3023	35	18	taking	taking	NOUN
ajfa-3023	35	19	and	and	CCONJ
ajfa-3023	35	20	existing	exist	VERB
ajfa-3023	35	21	risk	risk	NOUN
ajfa-3023	35	22	-	-	PUNCT
ajfa-3023	35	23	based	base	VERB
ajfa-3023	35	24	premium	premium	NOUN
ajfa-3023	35	25	systems	system	NOUN
ajfa-3023	35	26	functions	function	NOUN
ajfa-3023	35	27	better	well	ADV
ajfa-3023	35	28	in	in	ADP
ajfa-3023	35	29	countries	country	NOUN
ajfa-3023	35	30	with	with	ADP
ajfa-3023	35	31	stronger	strong	ADJ
ajfa-3023	35	32	institutional	institutional	ADJ
ajfa-3023	35	33	environments	environment	NOUN
ajfa-3023	35	34	.	.	PUNCT
ajfa-3023	36	1	the	the	DET
ajfa-3023	36	2	paper	paper	NOUN
ajfa-3023	36	3	is	be	AUX
ajfa-3023	36	4	organized	organize	VERB
ajfa-3023	36	5	as	as	SCONJ
ajfa-3023	36	6	follows	follow	VERB
ajfa-3023	36	7	:	:	PUNCT
ajfa-3023	36	8	section	section	PROPN
ajfa-3023	36	9	ii	ii	PROPN
ajfa-3023	36	10	reviews	review	VERB
ajfa-3023	36	11	the	the	DET
ajfa-3023	36	12	empirical	empirical	ADJ
ajfa-3023	36	13	literature	literature	NOUN
ajfa-3023	36	14	on	on	ADP
ajfa-3023	36	15	deposit	deposit	NOUN
ajfa-3023	36	16	insurance	insurance	NOUN
ajfa-3023	36	17	and	and	CCONJ
ajfa-3023	36	18	bank	bank	NOUN
ajfa-3023	36	19	risk	risk	NOUN
ajfa-3023	36	20	.	.	PUNCT
ajfa-3023	37	1	section	section	NOUN
ajfa-3023	37	2	iii	iii	PROPN
ajfa-3023	37	3	introduces	introduce	NOUN
ajfa-3023	37	4	the	the	DET
ajfa-3023	37	5	data	datum	NOUN
ajfa-3023	37	6	and	and	CCONJ
ajfa-3023	37	7	methodology	methodology	NOUN
ajfa-3023	37	8	,	,	PUNCT
ajfa-3023	37	9	hypotheses	hypothesis	NOUN
ajfa-3023	37	10	and	and	CCONJ
ajfa-3023	37	11	variables	variable	NOUN
ajfa-3023	37	12	in	in	ADP
ajfa-3023	37	13	detail	detail	NOUN
ajfa-3023	37	14	.	.	PUNCT
ajfa-3023	38	1	section	section	NOUN
ajfa-3023	38	2	iv	iv	NUM
ajfa-3023	38	3	discusses	discuss	VERB
ajfa-3023	38	4	the	the	DET
ajfa-3023	38	5	empirical	empirical	ADJ
ajfa-3023	38	6	findings	finding	NOUN
ajfa-3023	38	7	of	of	ADP
ajfa-3023	38	8	this	this	DET
ajfa-3023	38	9	study	study	NOUN
ajfa-3023	38	10	,	,	PUNCT
ajfa-3023	38	11	and	and	CCONJ
ajfa-3023	38	12	section	section	NOUN
ajfa-3023	38	13	v	v	NOUN
ajfa-3023	38	14	presents	present	VERB
ajfa-3023	38	15	the	the	DET
ajfa-3023	38	16	conclusion	conclusion	NOUN
ajfa-3023	38	17	.	.	PUNCT
ajfa-3023	39	1	2	2	X
ajfa-3023	39	2	.	.	X
ajfa-3023	39	3	previous	previous	ADJ
ajfa-3023	39	4	empirical	empirical	ADJ
ajfa-3023	39	5	evidence	evidence	NOUN
ajfa-3023	39	6	most	most	ADJ
ajfa-3023	39	7	research	research	NOUN
ajfa-3023	39	8	indicates	indicate	VERB
ajfa-3023	39	9	that	that	SCONJ
ajfa-3023	39	10	deposit	deposit	NOUN
ajfa-3023	39	11	insurance	insurance	NOUN
ajfa-3023	39	12	is	be	AUX
ajfa-3023	39	13	responsible	responsible	ADJ
ajfa-3023	39	14	for	for	ADP
ajfa-3023	39	15	excessive	excessive	ADJ
ajfa-3023	39	16	risk	risk	NOUN
ajfa-3023	39	17	-	-	PUNCT
ajfa-3023	39	18	taking	taking	NOUN
ajfa-3023	39	19	in	in	ADP
ajfa-3023	39	20	the	the	DET
ajfa-3023	39	21	financial	financial	ADJ
ajfa-3023	39	22	sector	sector	NOUN
ajfa-3023	39	23	.	.	PUNCT
ajfa-3023	40	1	several	several	ADJ
ajfa-3023	40	2	studies	study	NOUN
ajfa-3023	40	3	identified	identify	VERB
ajfa-3023	40	4	a	a	DET
ajfa-3023	40	5	positive	positive	ADJ
ajfa-3023	40	6	relationship	relationship	NOUN
ajfa-3023	40	7	between	between	ADP
ajfa-3023	40	8	deposit	deposit	NOUN
ajfa-3023	40	9	insurance	insurance	NOUN
ajfa-3023	40	10	and	and	CCONJ
ajfa-3023	40	11	banking	banking	NOUN
ajfa-3023	40	12	instability	instability	NOUN
ajfa-3023	40	13	.	.	PUNCT
ajfa-3023	41	1	wheelock	wheelock	NOUN
ajfa-3023	41	2	(	(	PUNCT
ajfa-3023	41	3	1992	1992	NUM
ajfa-3023	41	4	)	)	PUNCT
ajfa-3023	41	5	finds	find	VERB
ajfa-3023	41	6	that	that	SCONJ
ajfa-3023	41	7	deposit	deposit	NOUN
ajfa-3023	41	8	insurance	insurance	NOUN
ajfa-3023	41	9	is	be	AUX
ajfa-3023	41	10	more	more	ADV
ajfa-3023	41	11	likely	likely	ADJ
ajfa-3023	41	12	to	to	PART
ajfa-3023	41	13	exacerbate	exacerbate	VERB
ajfa-3023	41	14	bank	bank	NOUN
ajfa-3023	41	15	failures	failure	NOUN
ajfa-3023	41	16	.	.	PUNCT
ajfa-3023	42	1	he	he	PRON
ajfa-3023	42	2	also	also	ADV
ajfa-3023	42	3	finds	find	VERB
ajfa-3023	42	4	that	that	SCONJ
ajfa-3023	42	5	despite	despite	SCONJ
ajfa-3023	42	6	strict	strict	ADJ
ajfa-3023	42	7	regulation	regulation	NOUN
ajfa-3023	42	8	lessened	lessen	VERB
ajfa-3023	42	9	risk	risk	NOUN
ajfa-3023	42	10	-	-	PUNCT
ajfa-3023	42	11	taking	taking	NOUN
ajfa-3023	42	12	,	,	PUNCT
ajfa-3023	42	13	a	a	DET
ajfa-3023	42	14	high	high	ADJ
ajfa-3023	42	15	proportion	proportion	NOUN
ajfa-3023	42	16	of	of	ADP
ajfa-3023	42	17	insured	insure	VERB
ajfa-3023	42	18	banks	bank	NOUN
ajfa-3023	42	19	resulted	result	VERB
ajfa-3023	42	20	in	in	ADP
ajfa-3023	42	21	higher	high	ADJ
ajfa-3023	42	22	bank	bank	NOUN
ajfa-3023	42	23	failure	failure	NOUN
ajfa-3023	42	24	rates	rate	NOUN
ajfa-3023	42	25	in	in	ADP
ajfa-3023	42	26	kansas	kansas	PROPN
ajfa-3023	42	27	during	during	ADP
ajfa-3023	42	28	the	the	DET
ajfa-3023	42	29	1920	1920	NUM
ajfa-3023	42	30	’s	’s	NOUN
ajfa-3023	42	31	.	.	PUNCT
ajfa-3023	43	1	he	he	PRON
ajfa-3023	43	2	noted	note	VERB
ajfa-3023	43	3	deposit	deposit	NOUN
ajfa-3023	43	4	insurance	insurance	NOUN
ajfa-3023	43	5	has	have	AUX
ajfa-3023	43	6	been	be	AUX
ajfa-3023	43	7	one	one	NUM
ajfa-3023	43	8	of	of	ADP
ajfa-3023	43	9	the	the	DET
ajfa-3023	43	10	important	important	ADJ
ajfa-3023	43	11	causes	cause	NOUN
ajfa-3023	43	12	of	of	ADP
ajfa-3023	43	13	bank	bank	NOUN
ajfa-3023	43	14	failures	failure	NOUN
ajfa-3023	43	15	during	during	ADP
ajfa-3023	43	16	the	the	DET
ajfa-3023	43	17	1920	1920	NUM
ajfa-3023	43	18	’s	’s	PART
ajfa-3023	43	19	(	(	PUNCT
ajfa-3023	43	20	alston	alston	PROPN
ajfa-3023	43	21	et	et	PROPN
ajfa-3023	43	22	al	al	PROPN
ajfa-3023	43	23	.	.	PROPN
ajfa-3023	43	24	,	,	PUNCT
ajfa-3023	43	25	1994	1994	NUM
ajfa-3023	43	26	)	)	PUNCT
ajfa-3023	43	27	.	.	PUNCT
ajfa-3023	44	1	chernykh	chernykh	PROPN
ajfa-3023	44	2	and	and	CCONJ
ajfa-3023	44	3	cole	cole	PROPN
ajfa-3023	44	4	(	(	PUNCT
ajfa-3023	44	5	2011	2011	NUM
ajfa-3023	44	6	)	)	PUNCT
ajfa-3023	44	7	analyze	analyze	VERB
ajfa-3023	44	8	bank	bank	NOUN
ajfa-3023	44	9	-	-	PUNCT
ajfa-3023	44	10	level	level	NOUN
ajfa-3023	44	11	data	datum	NOUN
ajfa-3023	44	12	for	for	ADP
ajfa-3023	44	13	800	800	NUM
ajfa-3023	44	14	institutions	institution	NOUN
ajfa-3023	44	15	in	in	ADP
ajfa-3023	44	16	the	the	DET
ajfa-3023	44	17	russian	russian	PROPN
ajfa-3023	44	18	federation	federation	PROPN
ajfa-3023	44	19	over	over	ADP
ajfa-3023	44	20	the	the	DET
ajfa-3023	44	21	period	period	NOUN
ajfa-3023	44	22	2004	2004	NUM
ajfa-3023	44	23	-	-	SYM
ajfa-3023	44	24	2006	2006	NUM
ajfa-3023	44	25	and	and	CCONJ
ajfa-3023	44	26	used	use	VERB
ajfa-3023	44	27	several	several	ADJ
ajfa-3023	44	28	types	type	NOUN
ajfa-3023	44	29	of	of	ADP
ajfa-3023	44	30	accounting	accounting	NOUN
ajfa-3023	44	31	information	information	NOUN
ajfa-3023	44	32	.	.	PUNCT
ajfa-3023	45	1	they	they	PRON
ajfa-3023	45	2	find	find	VERB
ajfa-3023	45	3	that	that	SCONJ
ajfa-3023	45	4	the	the	DET
ajfa-3023	45	5	ratio	ratio	NOUN
ajfa-3023	45	6	of	of	ADP
ajfa-3023	45	7	equity	equity	NOUN
ajfa-3023	45	8	to	to	ADP
ajfa-3023	45	9	total	total	ADJ
ajfa-3023	45	10	assets	asset	NOUN
ajfa-3023	45	11	ratio	ratio	NOUN
ajfa-3023	45	12	declined	decline	VERB
ajfa-3023	45	13	while	while	SCONJ
ajfa-3023	45	14	the	the	DET
ajfa-3023	45	15	ratio	ratio	NOUN
ajfa-3023	45	16	of	of	ADP
ajfa-3023	45	17	loans	loan	NOUN
ajfa-3023	45	18	to	to	ADP
ajfa-3023	45	19	total	total	ADJ
ajfa-3023	45	20	assets	asset	NOUN
ajfa-3023	45	21	increased	increase	VERB
ajfa-3023	45	22	after	after	ADP
ajfa-3023	45	23	the	the	DET
ajfa-3023	45	24	implementation	implementation	NOUN
ajfa-3023	45	25	of	of	ADP
ajfa-3023	45	26	deposit	deposit	NOUN
ajfa-3023	45	27	insurance	insurance	NOUN
ajfa-3023	45	28	and	and	CCONJ
ajfa-3023	45	29	conclude	conclude	VERB
ajfa-3023	45	30	that	that	SCONJ
ajfa-3023	45	31	deposit	deposit	NOUN
ajfa-3023	45	32	insurance	insurance	NOUN
ajfa-3023	45	33	created	create	VERB
ajfa-3023	45	34	a	a	DET
ajfa-3023	45	35	moral	moral	ADJ
ajfa-3023	45	36	hazard	hazard	NOUN
ajfa-3023	45	37	problem	problem	NOUN
ajfa-3023	45	38	in	in	ADP
ajfa-3023	45	39	the	the	DET
ajfa-3023	45	40	form	form	NOUN
ajfa-3023	45	41	of	of	ADP
ajfa-3023	45	42	increased	increase	VERB
ajfa-3023	45	43	risk	risk	NOUN
ajfa-3023	45	44	-	-	PUNCT
ajfa-3023	45	45	taking	taking	NOUN
ajfa-3023	45	46	.	.	PUNCT
ajfa-3023	46	1	furthermore	furthermore	ADV
ajfa-3023	46	2	,	,	PUNCT
ajfa-3023	46	3	grossman	grossman	NOUN
ajfa-3023	46	4	(	(	PUNCT
ajfa-3023	46	5	1992	1992	NUM
ajfa-3023	46	6	)	)	PUNCT
ajfa-3023	46	7	pointed	point	VERB
ajfa-3023	46	8	out	out	ADP
ajfa-3023	46	9	that	that	SCONJ
ajfa-3023	46	10	the	the	DET
ajfa-3023	46	11	combination	combination	NOUN
ajfa-3023	46	12	of	of	ADP
ajfa-3023	46	13	deposit	deposit	NOUN
ajfa-3023	46	14	insurance	insurance	NOUN
ajfa-3023	46	15	and	and	CCONJ
ajfa-3023	46	16	deregulation	deregulation	NOUN
ajfa-3023	46	17	leads	lead	VERB
ajfa-3023	46	18	banks	bank	NOUN
ajfa-3023	46	19	to	to	PART
ajfa-3023	46	20	undertake	undertake	VERB
ajfa-3023	46	21	more	more	ADJ
ajfa-3023	46	22	risk	risk	NOUN
ajfa-3023	46	23	.	.	PUNCT
ajfa-3023	47	1	he	he	PRON
ajfa-3023	47	2	adds	add	VERB
ajfa-3023	47	3	that	that	SCONJ
ajfa-3023	47	4	flat	flat	ADJ
ajfa-3023	47	5	rate	rate	NOUN
ajfa-3023	47	6	insurance	insurance	NOUN
ajfa-3023	47	7	creates	create	VERB
ajfa-3023	47	8	a	a	DET
ajfa-3023	47	9	moral	moral	ADJ
ajfa-3023	47	10	hazard	hazard	NOUN
ajfa-3023	47	11	problem	problem	NOUN
ajfa-3023	47	12	since	since	SCONJ
ajfa-3023	47	13	banks	bank	NOUN
ajfa-3023	47	14	do	do	AUX
ajfa-3023	47	15	not	not	PART
ajfa-3023	47	16	bear	bear	VERB
ajfa-3023	47	17	costs	cost	NOUN
ajfa-3023	47	18	associated	associate	VERB
ajfa-3023	47	19	with	with	ADP
ajfa-3023	47	20	engaging	engage	VERB
ajfa-3023	47	21	in	in	ADP
ajfa-3023	47	22	their	their	PRON
ajfa-3023	47	23	risky	risky	ADJ
ajfa-3023	47	24	behavior	behavior	NOUN
ajfa-3023	47	25	.	.	PUNCT
ajfa-3023	48	1	wheelock	wheelock	NOUN
ajfa-3023	48	2	and	and	CCONJ
ajfa-3023	48	3	kumbhakar	kumbhakar	PROPN
ajfa-3023	48	4	(	(	PUNCT
ajfa-3023	48	5	1995	1995	NUM
ajfa-3023	48	6	)	)	PUNCT
ajfa-3023	48	7	conclude	conclude	VERB
ajfa-3023	48	8	that	that	SCONJ
ajfa-3023	48	9	insured	insure	VERB
ajfa-3023	48	10	banks	bank	NOUN
ajfa-3023	48	11	are	be	AUX
ajfa-3023	48	12	prone	prone	ADJ
ajfa-3023	48	13	to	to	PART
ajfa-3023	48	14	increase	increase	VERB
ajfa-3023	48	15	risk	risk	NOUN
ajfa-3023	48	16	-	-	PUNCT
ajfa-3023	48	17	taking	taking	NOUN
ajfa-3023	48	18	in	in	ADP
ajfa-3023	48	19	order	order	NOUN
ajfa-3023	48	20	to	to	PART
ajfa-3023	48	21	avoid	avoid	VERB
ajfa-3023	48	22	subsidizing	subsidize	VERB
ajfa-3023	48	23	other	other	ADJ
ajfa-3023	48	24	insured	insure	VERB
ajfa-3023	48	25	banks	bank	NOUN
ajfa-3023	48	26	.	.	PUNCT
ajfa-3023	49	1	they	they	PRON
ajfa-3023	49	2	argue	argue	VERB
ajfa-3023	49	3	that	that	SCONJ
ajfa-3023	49	4	a	a	DET
ajfa-3023	49	5	voluntary	voluntary	ADJ
ajfa-3023	49	6	deposit	deposit	NOUN
ajfa-3023	49	7	insurance	insurance	NOUN
ajfa-3023	49	8	scheme	scheme	NOUN
ajfa-3023	49	9	in	in	ADP
ajfa-3023	49	10	which	which	PRON
ajfa-3023	49	11	premiums	premium	NOUN
ajfa-3023	49	12	are	be	AUX
ajfa-3023	49	13	not	not	PART
ajfa-3023	49	14	sufficiently	sufficiently	ADV
ajfa-3023	49	15	sensitive	sensitive	ADJ
ajfa-3023	49	16	to	to	ADP
ajfa-3023	49	17	differing	differ	VERB
ajfa-3023	49	18	risk	risk	NOUN
ajfa-3023	49	19	levels	level	NOUN
ajfa-3023	49	20	attracts	attract	VERB
ajfa-3023	49	21	risk	risk	NOUN
ajfa-3023	49	22	-	-	PUNCT
ajfa-3023	49	23	prone	prone	ADJ
ajfa-3023	49	24	banks	bank	NOUN
ajfa-3023	49	25	;	;	PUNCT
ajfa-3023	49	26	however	however	ADV
ajfa-3023	49	27	,	,	PUNCT
ajfa-3023	49	28	they	they	PRON
ajfa-3023	49	29	find	find	VERB
ajfa-3023	49	30	no	no	DET
ajfa-3023	49	31	evidence	evidence	NOUN
ajfa-3023	49	32	that	that	SCONJ
ajfa-3023	49	33	deposit	deposit	NOUN
ajfa-3023	49	34	insurance	insurance	NOUN
ajfa-3023	49	35	encourages	encourage	VERB
ajfa-3023	49	36	depository	depository	NOUN
ajfa-3023	49	37	institutions	institution	NOUN
ajfa-3023	49	38	to	to	PART
ajfa-3023	49	39	hold	hold	VERB
ajfa-3023	49	40	smaller	small	ADJ
ajfa-3023	49	41	reserves	reserve	NOUN
ajfa-3023	49	42	.	.	PUNCT
ajfa-3023	50	1	using	use	VERB
ajfa-3023	50	2	panel	panel	NOUN
ajfa-3023	50	3	data	datum	NOUN
ajfa-3023	50	4	for	for	ADP
ajfa-3023	50	5	61	61	NUM
ajfa-3023	50	6	countries	country	NOUN
ajfa-3023	50	7	over	over	ADP
ajfa-3023	50	8	the	the	DET
ajfa-3023	50	9	period	period	NOUN
ajfa-3023	50	10	1980	1980	NUM
ajfa-3023	50	11	-	-	SYM
ajfa-3023	50	12	1997	1997	NUM
ajfa-3023	50	13	,	,	PUNCT
ajfa-3023	50	14	demirgüc	demirgüc	PROPN
ajfa-3023	50	15	-	-	PUNCT
ajfa-3023	50	16	kunt	kunt	PROPN
ajfa-3023	50	17	and	and	CCONJ
ajfa-3023	50	18	detragiache	detragiache	PROPN
ajfa-3023	50	19	(	(	PUNCT
ajfa-3023	50	20	2000	2000	NUM
ajfa-3023	50	21	)	)	PUNCT
ajfa-3023	50	22	conclude	conclude	VERB
ajfa-3023	50	23	that	that	SCONJ
ajfa-3023	50	24	the	the	DET
ajfa-3023	50	25	explicit	explicit	ADJ
ajfa-3023	50	26	deposit	deposit	NOUN
ajfa-3023	50	27	insurance	insurance	NOUN
ajfa-3023	50	28	increases	increase	VERB
ajfa-3023	50	29	the	the	DET
ajfa-3023	50	30	likelihood	likelihood	NOUN
ajfa-3023	50	31	of	of	ADP
ajfa-3023	50	32	bank	bank	NOUN
ajfa-3023	50	33	failures	failure	NOUN
ajfa-3023	50	34	where	where	SCONJ
ajfa-3023	50	35	the	the	DET
ajfa-3023	50	36	institutional	institutional	ADJ
ajfa-3023	50	37	environment	environment	NOUN
ajfa-3023	50	38	is	be	AUX
ajfa-3023	50	39	weak	weak	ADJ
ajfa-3023	50	40	.	.	PUNCT
ajfa-3023	51	1	according	accord	VERB
ajfa-3023	51	2	to	to	ADP
ajfa-3023	51	3	their	their	PRON
ajfa-3023	51	4	study	study	NOUN
ajfa-3023	51	5	,	,	PUNCT
ajfa-3023	51	6	the	the	DET
ajfa-3023	51	7	adverse	adverse	ADJ
ajfa-3023	51	8	impact	impact	NOUN
ajfa-3023	51	9	of	of	ADP
ajfa-3023	51	10	deposit	deposit	NOUN
ajfa-3023	51	11	insurance	insurance	NOUN
ajfa-3023	51	12	on	on	ADP
ajfa-3023	51	13	financial	financial	ADJ
ajfa-3023	51	14	stability	stability	NOUN
ajfa-3023	51	15	is	be	AUX
ajfa-3023	51	16	more	more	ADV
ajfa-3023	51	17	likely	likely	ADJ
ajfa-3023	51	18	to	to	PART
ajfa-3023	51	19	be	be	AUX
ajfa-3023	51	20	stronger	strong	ADJ
ajfa-3023	51	21	when	when	SCONJ
ajfa-3023	51	22	the	the	DET
ajfa-3023	51	23	insurance	insurance	NOUN
ajfa-3023	51	24	coverage	coverage	NOUN
ajfa-3023	51	25	offered	offer	VERB
ajfa-3023	51	26	to	to	ADP
ajfa-3023	51	27	depositors	depositor	NOUN
ajfa-3023	51	28	is	be	AUX
ajfa-3023	51	29	more	more	ADV
ajfa-3023	51	30	extensive	extensive	ADJ
ajfa-3023	51	31	,	,	PUNCT
ajfa-3023	51	32	and	and	CCONJ
ajfa-3023	51	33	where	where	SCONJ
ajfa-3023	51	34	the	the	DET
ajfa-3023	51	35	system	system	NOUN
ajfa-3023	51	36	is	be	AUX
ajfa-3023	51	37	funded	fund	VERB
ajfa-3023	51	38	and	and	CCONJ
ajfa-3023	51	39	managed	manage	VERB
ajfa-3023	51	40	by	by	ADP
ajfa-3023	51	41	the	the	DET
ajfa-3023	51	42	government	government	NOUN
ajfa-3023	51	43	.	.	PUNCT
ajfa-3023	52	1	hovakimian	hovakimian	PROPN
ajfa-3023	52	2	,	,	PUNCT
ajfa-3023	52	3	kane	kane	PROPN
ajfa-3023	52	4	and	and	CCONJ
ajfa-3023	52	5	laeven	laeven	ADJ
ajfa-3023	52	6	(	(	PUNCT
ajfa-3023	52	7	2002	2002	NUM
ajfa-3023	52	8	)	)	PUNCT
ajfa-3023	52	9	likewise	likewise	ADV
ajfa-3023	52	10	find	find	VERB
ajfa-3023	52	11	that	that	SCONJ
ajfa-3023	52	12	in	in	ADP
ajfa-3023	52	13	poor	poor	ADJ
ajfa-3023	52	14	institutional	institutional	ADJ
ajfa-3023	52	15	environments	environment	NOUN
ajfa-3023	52	16	asian	asian	ADJ
ajfa-3023	52	17	journal	journal	NOUN
ajfa-3023	52	18	of	of	ADP
ajfa-3023	52	19	finance	finance	PROPN
ajfa-3023	52	20	&	&	CCONJ
ajfa-3023	52	21	accounting	accounting	PROPN
ajfa-3023	52	22	issn	issn	PROPN
ajfa-3023	52	23	1946	1946	NUM
ajfa-3023	52	24	-	-	PUNCT
ajfa-3023	52	25	052x	052x	NOUN
ajfa-3023	52	26	2013	2013	NUM
ajfa-3023	52	27	,	,	PUNCT
ajfa-3023	52	28	vol	vol	NOUN
ajfa-3023	52	29	.	.	PROPN
ajfa-3023	52	30	5	5	NUM
ajfa-3023	52	31	,	,	PUNCT
ajfa-3023	52	32	no	no	INTJ
ajfa-3023	52	33	.	.	NOUN
ajfa-3023	52	34	1	1	NUM
ajfa-3023	52	35	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	52	36	107	107	NUM
ajfa-3023	52	37	that	that	PRON
ajfa-3023	52	38	are	be	AUX
ajfa-3023	52	39	low	low	ADJ
ajfa-3023	52	40	in	in	ADP
ajfa-3023	52	41	political	political	ADJ
ajfa-3023	52	42	conditions	condition	NOUN
ajfa-3023	52	43	and	and	CCONJ
ajfa-3023	52	44	high	high	ADJ
ajfa-3023	52	45	in	in	ADP
ajfa-3023	52	46	corruption	corruption	NOUN
ajfa-3023	52	47	,	,	PUNCT
ajfa-3023	52	48	explicit	explicit	ADJ
ajfa-3023	52	49	deposit	deposit	NOUN
ajfa-3023	52	50	insurance	insurance	NOUN
ajfa-3023	52	51	has	have	VERB
ajfa-3023	52	52	adverse	adverse	ADJ
ajfa-3023	52	53	effects	effect	NOUN
ajfa-3023	52	54	.	.	PUNCT
ajfa-3023	53	1	laeven	laeven	ADJ
ajfa-3023	53	2	(	(	PUNCT
ajfa-3023	53	3	2002a	2002a	NOUN
ajfa-3023	53	4	)	)	PUNCT
ajfa-3023	53	5	stretches	stretch	VERB
ajfa-3023	53	6	further	far	ADV
ajfa-3023	53	7	to	to	PART
ajfa-3023	53	8	acknowledge	acknowledge	VERB
ajfa-3023	53	9	that	that	SCONJ
ajfa-3023	53	10	existing	exist	VERB
ajfa-3023	53	11	insurance	insurance	NOUN
ajfa-3023	53	12	schemes	scheme	NOUN
ajfa-3023	53	13	create	create	VERB
ajfa-3023	53	14	moral	moral	ADJ
ajfa-3023	53	15	hazard	hazard	NOUN
ajfa-3023	53	16	for	for	ADP
ajfa-3023	53	17	banks	bank	NOUN
ajfa-3023	53	18	but	but	CCONJ
ajfa-3023	53	19	the	the	DET
ajfa-3023	53	20	magnitude	magnitude	NOUN
ajfa-3023	53	21	of	of	ADP
ajfa-3023	53	22	incentive	incentive	NOUN
ajfa-3023	53	23	problems	problem	NOUN
ajfa-3023	53	24	differs	differ	VERB
ajfa-3023	53	25	due	due	ADJ
ajfa-3023	53	26	to	to	ADP
ajfa-3023	53	27	variation	variation	NOUN
ajfa-3023	53	28	in	in	ADP
ajfa-3023	53	29	governance	governance	NOUN
ajfa-3023	53	30	structures	structure	NOUN
ajfa-3023	53	31	and	and	CCONJ
ajfa-3023	53	32	institutional	institutional	ADJ
ajfa-3023	53	33	environments	environment	NOUN
ajfa-3023	53	34	.	.	PUNCT
ajfa-3023	54	1	he	he	PRON
ajfa-3023	54	2	(	(	PUNCT
ajfa-3023	54	3	2002	2002	NUM
ajfa-3023	54	4	a	a	DET
ajfa-3023	54	5	,	,	PUNCT
ajfa-3023	54	6	b	b	X
ajfa-3023	54	7	)	)	PUNCT
ajfa-3023	54	8	investigates	investigate	VERB
ajfa-3023	54	9	the	the	DET
ajfa-3023	54	10	effect	effect	NOUN
ajfa-3023	54	11	of	of	ADP
ajfa-3023	54	12	deposit	deposit	NOUN
ajfa-3023	54	13	insurance	insurance	NOUN
ajfa-3023	54	14	on	on	ADP
ajfa-3023	54	15	risk	risk	NOUN
ajfa-3023	54	16	-	-	PUNCT
ajfa-3023	54	17	taking	taking	NOUN
ajfa-3023	54	18	measured	measure	VERB
ajfa-3023	54	19	by	by	ADP
ajfa-3023	54	20	implicit	implicit	ADJ
ajfa-3023	54	21	value	value	NOUN
ajfa-3023	54	22	of	of	ADP
ajfa-3023	54	23	deposit	deposit	NOUN
ajfa-3023	54	24	insurance	insurance	NOUN
ajfa-3023	54	25	services	service	NOUN
ajfa-3023	54	26	and	and	CCONJ
ajfa-3023	54	27	suggests	suggest	VERB
ajfa-3023	54	28	that	that	SCONJ
ajfa-3023	54	29	a	a	DET
ajfa-3023	54	30	deposit	deposit	NOUN
ajfa-3023	54	31	premium	premium	NOUN
ajfa-3023	54	32	has	have	VERB
ajfa-3023	54	33	some	some	DET
ajfa-3023	54	34	power	power	NOUN
ajfa-3023	54	35	in	in	ADP
ajfa-3023	54	36	forecasting	forecast	VERB
ajfa-3023	54	37	bank	bank	NOUN
ajfa-3023	54	38	failures	failure	NOUN
ajfa-3023	54	39	because	because	SCONJ
ajfa-3023	54	40	the	the	DET
ajfa-3023	54	41	cost	cost	NOUN
ajfa-3023	54	42	of	of	ADP
ajfa-3023	54	43	insurance	insurance	NOUN
ajfa-3023	54	44	reflects	reflect	VERB
ajfa-3023	54	45	the	the	DET
ajfa-3023	54	46	riskiness	riskiness	NOUN
ajfa-3023	54	47	of	of	ADP
ajfa-3023	54	48	deposit	deposit	NOUN
ajfa-3023	54	49	-	-	PUNCT
ajfa-3023	54	50	taking	take	VERB
ajfa-3023	54	51	institutions	institution	NOUN
ajfa-3023	54	52	.	.	PUNCT
ajfa-3023	55	1	analyzing	analyze	VERB
ajfa-3023	55	2	bank	bank	NOUN
ajfa-3023	55	3	-	-	PUNCT
ajfa-3023	55	4	level	level	NOUN
ajfa-3023	55	5	data	datum	NOUN
ajfa-3023	55	6	for	for	ADP
ajfa-3023	55	7	100	100	NUM
ajfa-3023	55	8	countries	country	NOUN
ajfa-3023	55	9	including	include	VERB
ajfa-3023	55	10	41	41	NUM
ajfa-3023	55	11	emerging	emerge	VERB
ajfa-3023	55	12	markets	market	NOUN
ajfa-3023	55	13	,	,	PUNCT
ajfa-3023	55	14	angkinand	angkinand	NOUN
ajfa-3023	55	15	and	and	CCONJ
ajfa-3023	55	16	wihlborg	wihlborg	PROPN
ajfa-3023	55	17	(	(	PUNCT
ajfa-3023	55	18	2006	2006	NUM
ajfa-3023	55	19	)	)	PUNCT
ajfa-3023	55	20	find	find	VERB
ajfa-3023	55	21	a	a	DET
ajfa-3023	55	22	robust	robust	ADJ
ajfa-3023	55	23	estimation	estimation	NOUN
ajfa-3023	55	24	for	for	ADP
ajfa-3023	55	25	a	a	DET
ajfa-3023	55	26	non	non	ADJ
ajfa-3023	55	27	-	-	ADJ
ajfa-3023	55	28	linear	linear	ADJ
ajfa-3023	55	29	relationship	relationship	NOUN
ajfa-3023	55	30	between	between	ADP
ajfa-3023	55	31	deposit	deposit	NOUN
ajfa-3023	55	32	insurance	insurance	NOUN
ajfa-3023	55	33	coverage	coverage	NOUN
ajfa-3023	55	34	and	and	CCONJ
ajfa-3023	55	35	bank	bank	NOUN
ajfa-3023	55	36	risk	risk	NOUN
ajfa-3023	55	37	-	-	PUNCT
ajfa-3023	55	38	taking	taking	NOUN
ajfa-3023	55	39	.	.	PUNCT
ajfa-3023	56	1	they	they	PRON
ajfa-3023	56	2	note	note	VERB
ajfa-3023	56	3	that	that	SCONJ
ajfa-3023	56	4	effects	effect	NOUN
ajfa-3023	56	5	of	of	ADP
ajfa-3023	56	6	ownership	ownership	NOUN
ajfa-3023	56	7	structure	structure	NOUN
ajfa-3023	56	8	on	on	ADP
ajfa-3023	56	9	risk	risk	NOUN
ajfa-3023	56	10	-	-	PUNCT
ajfa-3023	56	11	taking	taking	NOUN
ajfa-3023	56	12	differ	differ	NOUN
ajfa-3023	56	13	through	through	ADP
ajfa-3023	56	14	market	market	NOUN
ajfa-3023	56	15	discipline	discipline	NOUN
ajfa-3023	56	16	and	and	CCONJ
ajfa-3023	56	17	optimal	optimal	ADJ
ajfa-3023	56	18	deposit	deposit	NOUN
ajfa-3023	56	19	insurance	insurance	NOUN
ajfa-3023	56	20	coverage	coverage	NOUN
ajfa-3023	56	21	varies	vary	VERB
ajfa-3023	56	22	in	in	ADP
ajfa-3023	56	23	countries	country	NOUN
ajfa-3023	56	24	in	in	ADP
ajfa-3023	56	25	asia	asia	PROPN
ajfa-3023	56	26	and	and	CCONJ
ajfa-3023	56	27	eastern	eastern	PROPN
ajfa-3023	56	28	europe	europe	PROPN
ajfa-3023	56	29	.	.	PUNCT
ajfa-3023	57	1	davis	davis	PROPN
ajfa-3023	57	2	and	and	CCONJ
ajfa-3023	57	3	obasi	obasi	PROPN
ajfa-3023	57	4	(	(	PUNCT
ajfa-3023	57	5	2009	2009	NUM
ajfa-3023	57	6	)	)	PUNCT
ajfa-3023	57	7	test	test	NOUN
ajfa-3023	57	8	the	the	DET
ajfa-3023	57	9	impact	impact	NOUN
ajfa-3023	57	10	of	of	ADP
ajfa-3023	57	11	a	a	DET
ajfa-3023	57	12	design	design	NOUN
ajfa-3023	57	13	package	package	NOUN
ajfa-3023	57	14	of	of	ADP
ajfa-3023	57	15	deposit	deposit	NOUN
ajfa-3023	57	16	insurance	insurance	NOUN
ajfa-3023	57	17	and	and	CCONJ
ajfa-3023	57	18	bank	bank	NOUN
ajfa-3023	57	19	risk	risk	NOUN
ajfa-3023	57	20	taking	take	VERB
ajfa-3023	57	21	activity	activity	NOUN
ajfa-3023	57	22	and	and	CCONJ
ajfa-3023	57	23	report	report	NOUN
ajfa-3023	57	24	that	that	SCONJ
ajfa-3023	57	25	design	design	NOUN
ajfa-3023	57	26	features	feature	NOUN
ajfa-3023	57	27	have	have	VERB
ajfa-3023	57	28	different	different	ADJ
ajfa-3023	57	29	effects	effect	NOUN
ajfa-3023	57	30	on	on	ADP
ajfa-3023	57	31	the	the	DET
ajfa-3023	57	32	different	different	ADJ
ajfa-3023	57	33	financial	financial	ADJ
ajfa-3023	57	34	soundness	soundness	NOUN
ajfa-3023	57	35	ratios	ratio	NOUN
ajfa-3023	57	36	.	.	PUNCT
ajfa-3023	58	1	they	they	PRON
ajfa-3023	58	2	emphasize	emphasize	VERB
ajfa-3023	58	3	the	the	DET
ajfa-3023	58	4	impact	impact	NOUN
ajfa-3023	58	5	of	of	ADP
ajfa-3023	58	6	a	a	DET
ajfa-3023	58	7	deposit	deposit	NOUN
ajfa-3023	58	8	insurance	insurance	NOUN
ajfa-3023	58	9	system	system	NOUN
ajfa-3023	58	10	on	on	ADP
ajfa-3023	58	11	bank	bank	NOUN
ajfa-3023	58	12	asset	asset	NOUN
ajfa-3023	58	13	-	-	PUNCT
ajfa-3023	58	14	side	side	NOUN
ajfa-3023	58	15	risk	risk	NOUN
ajfa-3023	58	16	.	.	PUNCT
ajfa-3023	59	1	banks	bank	NOUN
ajfa-3023	59	2	with	with	ADP
ajfa-3023	59	3	a	a	DET
ajfa-3023	59	4	high	high	ADJ
ajfa-3023	59	5	share	share	NOUN
ajfa-3023	59	6	of	of	ADP
ajfa-3023	59	7	large	large	ADJ
ajfa-3023	59	8	depositors	depositor	NOUN
ajfa-3023	59	9	undertook	undertake	VERB
ajfa-3023	59	10	relatively	relatively	ADV
ajfa-3023	59	11	less	less	ADJ
ajfa-3023	59	12	risk	risk	NOUN
ajfa-3023	59	13	before	before	SCONJ
ajfa-3023	59	14	the	the	DET
ajfa-3023	59	15	insurance	insurance	NOUN
ajfa-3023	59	16	system	system	NOUN
ajfa-3023	59	17	established	establish	VERB
ajfa-3023	59	18	in	in	ADP
ajfa-3023	59	19	the	the	DET
ajfa-3023	59	20	context	context	NOUN
ajfa-3023	59	21	of	of	ADP
ajfa-3023	59	22	bolivia	bolivia	PROPN
ajfa-3023	59	23	,	,	PUNCT
ajfa-3023	59	24	but	but	CCONJ
ajfa-3023	59	25	banks	bank	NOUN
ajfa-3023	59	26	appear	appear	VERB
ajfa-3023	59	27	to	to	PART
ajfa-3023	59	28	take	take	VERB
ajfa-3023	59	29	higher	high	ADJ
ajfa-3023	59	30	risk	risk	NOUN
ajfa-3023	59	31	and	and	CCONJ
ajfa-3023	59	32	do	do	AUX
ajfa-3023	59	33	not	not	PART
ajfa-3023	59	34	seem	seem	VERB
ajfa-3023	59	35	to	to	PART
ajfa-3023	59	36	compensate	compensate	VERB
ajfa-3023	59	37	increasing	increase	VERB
ajfa-3023	59	38	risk	risk	NOUN
ajfa-3023	59	39	by	by	ADP
ajfa-3023	59	40	adjusting	adjust	VERB
ajfa-3023	59	41	requirements	requirement	NOUN
ajfa-3023	59	42	for	for	ADP
ajfa-3023	59	43	collateral	collateral	NOUN
ajfa-3023	59	44	and	and	CCONJ
ajfa-3023	59	45	maturity	maturity	NOUN
ajfa-3023	59	46	after	after	ADP
ajfa-3023	59	47	the	the	DET
ajfa-3023	59	48	introduction	introduction	NOUN
ajfa-3023	59	49	of	of	ADP
ajfa-3023	59	50	deposit	deposit	NOUN
ajfa-3023	59	51	insurance	insurance	NOUN
ajfa-3023	59	52	(	(	PUNCT
ajfa-3023	59	53	ioannidou	ioannidou	NOUN
ajfa-3023	59	54	&	&	CCONJ
ajfa-3023	59	55	penas	penas	PROPN
ajfa-3023	59	56	,	,	PUNCT
ajfa-3023	59	57	2010	2010	NUM
ajfa-3023	59	58	)	)	PUNCT
ajfa-3023	59	59	.	.	PUNCT
ajfa-3023	60	1	this	this	PRON
ajfa-3023	60	2	is	be	AUX
ajfa-3023	60	3	consistent	consistent	ADJ
ajfa-3023	60	4	with	with	ADP
ajfa-3023	60	5	the	the	DET
ajfa-3023	60	6	fact	fact	NOUN
ajfa-3023	60	7	that	that	SCONJ
ajfa-3023	60	8	large	large	ADJ
ajfa-3023	60	9	depositors	depositor	NOUN
ajfa-3023	60	10	have	have	AUX
ajfa-3023	60	11	greater	great	ADJ
ajfa-3023	60	12	ability	ability	NOUN
ajfa-3023	60	13	to	to	PART
ajfa-3023	60	14	monitor	monitor	VERB
ajfa-3023	60	15	banks	bank	NOUN
ajfa-3023	60	16	in	in	ADP
ajfa-3023	60	17	unguaranteed	unguaranteed	NOUN
ajfa-3023	60	18	circumstance	circumstance	NOUN
ajfa-3023	60	19	as	as	SCONJ
ajfa-3023	60	20	proposed	propose	VERB
ajfa-3023	60	21	by	by	ADP
ajfa-3023	60	22	england	england	PROPN
ajfa-3023	60	23	(	(	PUNCT
ajfa-3023	60	24	1988	1988	NUM
ajfa-3023	60	25	)	)	PUNCT
ajfa-3023	60	26	.	.	PUNCT
ajfa-3023	61	1	distinguin	distinguin	PROPN
ajfa-3023	61	2	et	et	PROPN
ajfa-3023	61	3	al	al	PROPN
ajfa-3023	61	4	.	.	PROPN
ajfa-3023	62	1	(	(	PUNCT
ajfa-3023	62	2	2011	2011	NUM
ajfa-3023	62	3	)	)	PUNCT
ajfa-3023	62	4	showed	show	VERB
ajfa-3023	62	5	that	that	SCONJ
ajfa-3023	62	6	the	the	DET
ajfa-3023	62	7	adoption	adoption	NOUN
ajfa-3023	62	8	of	of	ADP
ajfa-3023	62	9	the	the	DET
ajfa-3023	62	10	formal	formal	ADJ
ajfa-3023	62	11	deposit	deposit	NOUN
ajfa-3023	62	12	insurance	insurance	NOUN
ajfa-3023	62	13	encouraged	encourage	VERB
ajfa-3023	62	14	risk	risk	NOUN
ajfa-3023	62	15	taking	take	VERB
ajfa-3023	62	16	incentives	incentive	NOUN
ajfa-3023	62	17	for	for	ADP
ajfa-3023	62	18	european	european	ADJ
ajfa-3023	62	19	banks	bank	NOUN
ajfa-3023	62	20	in	in	ADP
ajfa-3023	62	21	the	the	DET
ajfa-3023	62	22	1990s	1990s	NUM
ajfa-3023	62	23	.	.	PUNCT
ajfa-3023	63	1	their	their	PRON
ajfa-3023	63	2	study	study	NOUN
ajfa-3023	63	3	also	also	ADV
ajfa-3023	63	4	supports	support	VERB
ajfa-3023	63	5	the	the	DET
ajfa-3023	63	6	view	view	NOUN
ajfa-3023	63	7	that	that	SCONJ
ajfa-3023	63	8	explicit	explicit	ADJ
ajfa-3023	63	9	deposit	deposit	NOUN
ajfa-3023	63	10	insurance	insurance	NOUN
ajfa-3023	63	11	favors	favor	VERB
ajfa-3023	63	12	market	market	NOUN
ajfa-3023	63	13	discipline	discipline	NOUN
ajfa-3023	63	14	when	when	SCONJ
ajfa-3023	63	15	some	some	DET
ajfa-3023	63	16	creditors	creditor	NOUN
ajfa-3023	63	17	are	be	AUX
ajfa-3023	63	18	excluded	exclude	VERB
ajfa-3023	63	19	from	from	ADP
ajfa-3023	63	20	deposit	deposit	NOUN
ajfa-3023	63	21	insurance	insurance	NOUN
ajfa-3023	63	22	coverage	coverage	NOUN
ajfa-3023	63	23	.	.	PUNCT
ajfa-3023	64	1	by	by	ADP
ajfa-3023	64	2	contrast	contrast	NOUN
ajfa-3023	64	3	,	,	PUNCT
ajfa-3023	64	4	some	some	DET
ajfa-3023	64	5	studies	study	NOUN
ajfa-3023	64	6	failed	fail	VERB
ajfa-3023	64	7	to	to	PART
ajfa-3023	64	8	find	find	VERB
ajfa-3023	64	9	negative	negative	ADJ
ajfa-3023	64	10	or	or	CCONJ
ajfa-3023	64	11	positive	positive	ADJ
ajfa-3023	64	12	relationship	relationship	NOUN
ajfa-3023	64	13	between	between	ADP
ajfa-3023	64	14	deposit	deposit	NOUN
ajfa-3023	64	15	insurance	insurance	NOUN
ajfa-3023	64	16	and	and	CCONJ
ajfa-3023	64	17	bank	bank	NOUN
ajfa-3023	64	18	risks	risk	NOUN
ajfa-3023	64	19	.	.	PUNCT
ajfa-3023	65	1	karels	karel	NOUN
ajfa-3023	65	2	and	and	CCONJ
ajfa-3023	65	3	mcclatchey	mcclatchey	PROPN
ajfa-3023	65	4	(	(	PUNCT
ajfa-3023	65	5	1999	1999	NUM
ajfa-3023	65	6	)	)	PUNCT
ajfa-3023	65	7	show	show	VERB
ajfa-3023	65	8	that	that	SCONJ
ajfa-3023	65	9	the	the	DET
ajfa-3023	65	10	introduction	introduction	NOUN
ajfa-3023	65	11	of	of	ADP
ajfa-3023	65	12	deposit	deposit	NOUN
ajfa-3023	65	13	insurance	insurance	NOUN
ajfa-3023	65	14	has	have	AUX
ajfa-3023	65	15	not	not	PART
ajfa-3023	65	16	led	lead	VERB
ajfa-3023	65	17	to	to	ADP
ajfa-3023	65	18	increased	increase	VERB
ajfa-3023	65	19	risk	risk	NOUN
ajfa-3023	65	20	-	-	PUNCT
ajfa-3023	65	21	taking	taking	NOUN
ajfa-3023	65	22	in	in	ADP
ajfa-3023	65	23	the	the	DET
ajfa-3023	65	24	us	us	PROPN
ajfa-3023	65	25	credit	credit	NOUN
ajfa-3023	65	26	union	union	NOUN
ajfa-3023	65	27	industry	industry	NOUN
ajfa-3023	65	28	.	.	PUNCT
ajfa-3023	66	1	gueyie	gueyie	PROPN
ajfa-3023	66	2	and	and	CCONJ
ajfa-3023	66	3	lai	lai	PROPN
ajfa-3023	66	4	(	(	PUNCT
ajfa-3023	66	5	2003	2003	NUM
ajfa-3023	66	6	)	)	PUNCT
ajfa-3023	66	7	find	find	VERB
ajfa-3023	66	8	no	no	DET
ajfa-3023	66	9	empirical	empirical	ADJ
ajfa-3023	66	10	support	support	NOUN
ajfa-3023	66	11	for	for	ADP
ajfa-3023	66	12	the	the	DET
ajfa-3023	66	13	hypothesis	hypothesis	NOUN
ajfa-3023	66	14	that	that	SCONJ
ajfa-3023	66	15	the	the	DET
ajfa-3023	66	16	adoption	adoption	NOUN
ajfa-3023	66	17	of	of	ADP
ajfa-3023	66	18	official	official	ADJ
ajfa-3023	66	19	deposit	deposit	NOUN
ajfa-3023	66	20	insurance	insurance	NOUN
ajfa-3023	66	21	creates	create	VERB
ajfa-3023	66	22	moral	moral	ADJ
ajfa-3023	66	23	hazard	hazard	NOUN
ajfa-3023	66	24	.	.	PUNCT
ajfa-3023	67	1	they	they	PRON
ajfa-3023	67	2	conclude	conclude	VERB
ajfa-3023	67	3	that	that	SCONJ
ajfa-3023	67	4	the	the	DET
ajfa-3023	67	5	risk	risk	NOUN
ajfa-3023	67	6	-	-	PUNCT
ajfa-3023	67	7	based	base	VERB
ajfa-3023	67	8	deposit	deposit	NOUN
ajfa-3023	67	9	insurance	insurance	NOUN
ajfa-3023	67	10	is	be	AUX
ajfa-3023	67	11	unlikely	unlikely	ADJ
ajfa-3023	67	12	to	to	PART
ajfa-3023	67	13	have	have	VERB
ajfa-3023	67	14	an	an	DET
ajfa-3023	67	15	effect	effect	NOUN
ajfa-3023	67	16	on	on	ADP
ajfa-3023	67	17	bank	bank	NOUN
ajfa-3023	67	18	risk	risk	NOUN
ajfa-3023	67	19	.	.	PUNCT
ajfa-3023	68	1	areta	areta	PROPN
ajfa-3023	68	2	and	and	CCONJ
ajfa-3023	68	3	eichengreen	eichengreen	X
ajfa-3023	68	4	(	(	PUNCT
ajfa-3023	68	5	2002	2002	NUM
ajfa-3023	68	6	)	)	PUNCT
ajfa-3023	68	7	find	find	VERB
ajfa-3023	68	8	explicit	explicit	ADJ
ajfa-3023	68	9	deposit	deposit	NOUN
ajfa-3023	68	10	insurance	insurance	NOUN
ajfa-3023	68	11	reduced	reduce	VERB
ajfa-3023	68	12	the	the	DET
ajfa-3023	68	13	likelihood	likelihood	NOUN
ajfa-3023	68	14	of	of	ADP
ajfa-3023	68	15	a	a	DET
ajfa-3023	68	16	banking	banking	NOUN
ajfa-3023	68	17	crisis	crisis	NOUN
ajfa-3023	68	18	in	in	ADP
ajfa-3023	68	19	their	their	PRON
ajfa-3023	68	20	extensive	extensive	ADJ
ajfa-3023	68	21	analysis	analysis	NOUN
ajfa-3023	68	22	of	of	ADP
ajfa-3023	68	23	developing	develop	VERB
ajfa-3023	68	24	countries	country	NOUN
ajfa-3023	68	25	.	.	PUNCT
ajfa-3023	69	1	hoggarth	hoggarth	ADV
ajfa-3023	69	2	et	et	PROPN
ajfa-3023	69	3	al	al	PROPN
ajfa-3023	69	4	.	.	PROPN
ajfa-3023	70	1	(	(	PUNCT
ajfa-3023	70	2	2004	2004	NUM
ajfa-3023	70	3	)	)	PUNCT
ajfa-3023	70	4	added	add	VERB
ajfa-3023	70	5	that	that	SCONJ
ajfa-3023	70	6	insurance	insurance	NOUN
ajfa-3023	70	7	systems	system	NOUN
ajfa-3023	70	8	with	with	ADP
ajfa-3023	70	9	limited	limited	ADJ
ajfa-3023	70	10	coverage	coverage	NOUN
ajfa-3023	70	11	have	have	VERB
ajfa-3023	70	12	a	a	DET
ajfa-3023	70	13	smaller	small	ADJ
ajfa-3023	70	14	probability	probability	NOUN
ajfa-3023	70	15	of	of	ADP
ajfa-3023	70	16	a	a	DET
ajfa-3023	70	17	banking	banking	NOUN
ajfa-3023	70	18	crisis	crisis	NOUN
ajfa-3023	70	19	.	.	PUNCT
ajfa-3023	71	1	gropp	gropp	NOUN
ajfa-3023	71	2	and	and	CCONJ
ajfa-3023	71	3	vesala	vesala	ADJ
ajfa-3023	71	4	(	(	PUNCT
ajfa-3023	71	5	2001	2001	NUM
ajfa-3023	71	6	)	)	PUNCT
ajfa-3023	71	7	find	find	VERB
ajfa-3023	71	8	that	that	SCONJ
ajfa-3023	71	9	explicit	explicit	ADJ
ajfa-3023	71	10	deposit	deposit	NOUN
ajfa-3023	71	11	insurance	insurance	NOUN
ajfa-3023	71	12	in	in	ADP
ajfa-3023	71	13	the	the	DET
ajfa-3023	71	14	banking	banking	NOUN
ajfa-3023	71	15	system	system	NOUN
ajfa-3023	71	16	may	may	AUX
ajfa-3023	71	17	significantly	significantly	ADV
ajfa-3023	71	18	reduce	reduce	VERB
ajfa-3023	71	19	banks	bank	NOUN
ajfa-3023	71	20	’	'	PUNCT
ajfa-3023	71	21	incentive	incentive	NOUN
ajfa-3023	71	22	to	to	PART
ajfa-3023	71	23	take	take	VERB
ajfa-3023	71	24	risks	risk	NOUN
ajfa-3023	71	25	if	if	SCONJ
ajfa-3023	71	26	non	non	ADJ
ajfa-3023	71	27	-	-	ADJ
ajfa-3023	71	28	deposit	deposit	ADJ
ajfa-3023	71	29	creditors	creditor	NOUN
ajfa-3023	71	30	are	be	AUX
ajfa-3023	71	31	left	leave	VERB
ajfa-3023	71	32	out	out	ADP
ajfa-3023	71	33	in	in	ADP
ajfa-3023	71	34	the	the	DET
ajfa-3023	71	35	european	european	ADJ
ajfa-3023	71	36	case	case	NOUN
ajfa-3023	71	37	.	.	PUNCT
ajfa-3023	72	1	they	they	PRON
ajfa-3023	72	2	used	use	VERB
ajfa-3023	72	3	different	different	ADJ
ajfa-3023	72	4	proxies	proxy	NOUN
ajfa-3023	72	5	including	include	VERB
ajfa-3023	72	6	charter	charter	NOUN
ajfa-3023	72	7	value	value	NOUN
ajfa-3023	72	8	.	.	PUNCT
ajfa-3023	73	1	in	in	ADP
ajfa-3023	73	2	their	their	PRON
ajfa-3023	73	3	sequel	sequel	NOUN
ajfa-3023	73	4	paper	paper	NOUN
ajfa-3023	73	5	,	,	PUNCT
ajfa-3023	73	6	gropp	gropp	NOUN
ajfa-3023	73	7	and	and	CCONJ
ajfa-3023	73	8	vesala	vesala	ADJ
ajfa-3023	73	9	(	(	PUNCT
ajfa-3023	73	10	2004	2004	NUM
ajfa-3023	73	11	)	)	PUNCT
ajfa-3023	73	12	showed	show	VERB
ajfa-3023	73	13	that	that	SCONJ
ajfa-3023	73	14	the	the	DET
ajfa-3023	73	15	implementation	implementation	NOUN
ajfa-3023	73	16	of	of	ADP
ajfa-3023	73	17	explicit	explicit	ADJ
ajfa-3023	73	18	deposit	deposit	NOUN
ajfa-3023	73	19	insurance	insurance	NOUN
ajfa-3023	73	20	significantly	significantly	ADV
ajfa-3023	73	21	decreases	decrease	VERB
ajfa-3023	73	22	bank	bank	NOUN
ajfa-3023	73	23	risk	risk	NOUN
ajfa-3023	73	24	-	-	PUNCT
ajfa-3023	73	25	taking	taking	NOUN
ajfa-3023	73	26	in	in	ADP
ajfa-3023	73	27	their	their	PRON
ajfa-3023	73	28	study	study	NOUN
ajfa-3023	73	29	on	on	ADP
ajfa-3023	73	30	the	the	DET
ajfa-3023	73	31	large	large	ADJ
ajfa-3023	73	32	homogeneous	homogeneous	ADJ
ajfa-3023	73	33	sample	sample	NOUN
ajfa-3023	73	34	of	of	ADP
ajfa-3023	73	35	73	73	NUM
ajfa-3023	73	36	european	european	PROPN
ajfa-3023	73	37	union	union	PROPN
ajfa-3023	73	38	bank	bank	PROPN
ajfa-3023	73	39	level	level	NOUN
ajfa-3023	73	40	data	datum	NOUN
ajfa-3023	73	41	using	use	VERB
ajfa-3023	73	42	tobin	tobin	PROPN
ajfa-3023	73	43	’s	’s	PART
ajfa-3023	73	44	q	q	NOUN
ajfa-3023	73	45	as	as	ADP
ajfa-3023	73	46	a	a	DET
ajfa-3023	73	47	proxy	proxy	NOUN
ajfa-3023	73	48	to	to	PART
ajfa-3023	73	49	bank	bank	NOUN
ajfa-3023	73	50	charter	charter	NOUN
ajfa-3023	73	51	value	value	NOUN
ajfa-3023	73	52	.	.	PUNCT
ajfa-3023	74	1	according	accord	VERB
ajfa-3023	74	2	to	to	ADP
ajfa-3023	74	3	hamada	hamada	PROPN
ajfa-3023	74	4	(	(	PUNCT
ajfa-3023	74	5	2011	2011	NUM
ajfa-3023	74	6	)	)	PUNCT
ajfa-3023	74	7	,	,	PUNCT
ajfa-3023	74	8	depositors	depositor	NOUN
ajfa-3023	74	9	’	’	PART
ajfa-3023	74	10	behavior	behavior	NOUN
ajfa-3023	74	11	varies	vary	VERB
ajfa-3023	74	12	with	with	ADP
ajfa-3023	74	13	regard	regard	NOUN
ajfa-3023	74	14	to	to	ADP
ajfa-3023	74	15	the	the	DET
ajfa-3023	74	16	regulatory	regulatory	ADJ
ajfa-3023	74	17	and	and	CCONJ
ajfa-3023	74	18	economic	economic	ADJ
ajfa-3023	74	19	circumstances	circumstance	NOUN
ajfa-3023	74	20	.	.	PUNCT
ajfa-3023	75	1	he	he	PRON
ajfa-3023	75	2	finds	find	VERB
ajfa-3023	75	3	that	that	SCONJ
ajfa-3023	75	4	depositors	depositor	NOUN
ajfa-3023	75	5	became	become	VERB
ajfa-3023	75	6	much	much	ADV
ajfa-3023	75	7	more	more	ADV
ajfa-3023	75	8	cautious	cautious	ADJ
ajfa-3023	75	9	after	after	ADP
ajfa-3023	75	10	the	the	DET
ajfa-3023	75	11	introduction	introduction	NOUN
ajfa-3023	75	12	of	of	ADP
ajfa-3023	75	13	explicit	explicit	ADJ
ajfa-3023	75	14	deposit	deposit	NOUN
ajfa-3023	75	15	insurance	insurance	NOUN
ajfa-3023	75	16	in	in	ADP
ajfa-3023	75	17	indonesia	indonesia	PROPN
ajfa-3023	75	18	.	.	PUNCT
ajfa-3023	76	1	asian	asian	PROPN
ajfa-3023	76	2	journal	journal	PROPN
ajfa-3023	76	3	of	of	ADP
ajfa-3023	76	4	finance	finance	PROPN
ajfa-3023	76	5	&	&	CCONJ
ajfa-3023	76	6	accounting	accounting	PROPN
ajfa-3023	76	7	issn	issn	PROPN
ajfa-3023	76	8	1946	1946	NUM
ajfa-3023	76	9	-	-	PUNCT
ajfa-3023	76	10	052x	052x	NOUN
ajfa-3023	76	11	2013	2013	NUM
ajfa-3023	76	12	,	,	PUNCT
ajfa-3023	76	13	vol	vol	NOUN
ajfa-3023	76	14	.	.	PROPN
ajfa-3023	76	15	5	5	NUM
ajfa-3023	76	16	,	,	PUNCT
ajfa-3023	76	17	no	no	INTJ
ajfa-3023	76	18	.	.	NOUN
ajfa-3023	76	19	1	1	NUM
ajfa-3023	76	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-3023	76	21	108	108	NUM
ajfa-3023	76	22	3	3	NUM
ajfa-3023	76	23	.	.	PUNCT
ajfa-3023	77	1	data	datum	NOUN
ajfa-3023	77	2	and	and	CCONJ
ajfa-3023	77	3	methodology	methodology	NOUN
ajfa-3023	77	4	3.1	3.1	NUM
ajfa-3023	77	5	.	.	PUNCT
ajfa-3023	78	1	methodology	methodology	NOUN
ajfa-3023	78	2	deposit	deposit	NOUN
ajfa-3023	78	3	insurance	insurance	NOUN
ajfa-3023	78	4	can	can	AUX
ajfa-3023	78	5	weaken	weaken	VERB
ajfa-3023	78	6	the	the	DET
ajfa-3023	78	7	market	market	NOUN
ajfa-3023	78	8	discipline	discipline	NOUN
ajfa-3023	78	9	and	and	CCONJ
ajfa-3023	78	10	encourage	encourage	VERB
ajfa-3023	78	11	banks	bank	NOUN
ajfa-3023	78	12	’	'	PUNCT
ajfa-3023	78	13	incentives	incentive	NOUN
ajfa-3023	78	14	to	to	PART
ajfa-3023	78	15	take	take	VERB
ajfa-3023	78	16	on	on	ADP
ajfa-3023	78	17	too	too	ADV
ajfa-3023	78	18	much	much	ADJ
ajfa-3023	78	19	risk	risk	NOUN
ajfa-3023	78	20	in	in	ADP
ajfa-3023	78	21	search	search	NOUN
ajfa-3023	78	22	for	for	ADP
ajfa-3023	78	23	higher	high	ADJ
ajfa-3023	78	24	profits	profit	NOUN
ajfa-3023	78	25	.	.	PUNCT
ajfa-3023	79	1	depending	depend	VERB
ajfa-3023	79	2	on	on	ADP
ajfa-3023	79	3	country	country	NOUN
ajfa-3023	79	4	’s	’s	PART
ajfa-3023	79	5	institutional	institutional	ADJ
ajfa-3023	79	6	circumstances	circumstance	NOUN
ajfa-3023	79	7	and	and	CCONJ
ajfa-3023	79	8	economic	economic	ADJ
ajfa-3023	79	9	development	development	NOUN
ajfa-3023	79	10	,	,	PUNCT
ajfa-3023	79	11	banks	bank	NOUN
ajfa-3023	79	12	operate	operate	VERB
ajfa-3023	79	13	in	in	ADP
ajfa-3023	79	14	environments	environment	NOUN
ajfa-3023	79	15	with	with	ADP
ajfa-3023	79	16	different	different	ADJ
ajfa-3023	79	17	design	design	NOUN
ajfa-3023	79	18	features	feature	NOUN
ajfa-3023	79	19	of	of	ADP
ajfa-3023	79	20	deposit	deposit	NOUN
ajfa-3023	79	21	insurance	insurance	NOUN
ajfa-3023	79	22	scheme	scheme	NOUN
ajfa-3023	79	23	.	.	PUNCT
ajfa-3023	80	1	consequently	consequently	ADV
ajfa-3023	80	2	,	,	PUNCT
ajfa-3023	80	3	we	we	PRON
ajfa-3023	80	4	focus	focus	VERB
ajfa-3023	80	5	on	on	ADP
ajfa-3023	80	6	measures	measure	NOUN
ajfa-3023	80	7	of	of	ADP
ajfa-3023	80	8	banks	bank	NOUN
ajfa-3023	80	9	’	'	PUNCT
ajfa-3023	80	10	risks	risk	NOUN
ajfa-3023	80	11	:	:	PUNCT
ajfa-3023	80	12	overall	overall	ADJ
ajfa-3023	80	13	default	default	NOUN
ajfa-3023	80	14	risk	risk	NOUN
ajfa-3023	80	15	,	,	PUNCT
ajfa-3023	80	16	asset	asset	NOUN
ajfa-3023	80	17	(	(	PUNCT
ajfa-3023	80	18	credit	credit	NOUN
ajfa-3023	80	19	)	)	PUNCT
ajfa-3023	80	20	risk	risk	NOUN
ajfa-3023	80	21	and	and	CCONJ
ajfa-3023	80	22	liquidity	liquidity	NOUN
ajfa-3023	80	23	risk	risk	NOUN
ajfa-3023	80	24	.	.	PUNCT
ajfa-3023	81	1	hypothesis	hypothesis	NOUN
ajfa-3023	81	2	1	1	NUM
ajfa-3023	81	3	:	:	PUNCT
ajfa-3023	81	4	the	the	DET
ajfa-3023	81	5	presence	presence	NOUN
ajfa-3023	81	6	of	of	ADP
ajfa-3023	81	7	a	a	DET
ajfa-3023	81	8	deposit	deposit	NOUN
ajfa-3023	81	9	insurance	insurance	NOUN
ajfa-3023	81	10	scheme	scheme	NOUN
ajfa-3023	81	11	generates	generate	VERB
ajfa-3023	81	12	incentives	incentive	NOUN
ajfa-3023	81	13	that	that	PRON
ajfa-3023	81	14	lead	lead	VERB
ajfa-3023	81	15	banks	bank	NOUN
ajfa-3023	81	16	to	to	PART
ajfa-3023	81	17	take	take	VERB
ajfa-3023	81	18	on	on	ADP
ajfa-3023	81	19	excessive	excessive	ADJ
ajfa-3023	81	20	risk	risk	NOUN
ajfa-3023	81	21	.	.	PUNCT
ajfa-3023	82	1	hypothesis	hypothesis	NOUN
ajfa-3023	82	2	2	2	NUM
ajfa-3023	82	3	:	:	PUNCT
ajfa-3023	82	4	a	a	DET
ajfa-3023	82	5	deposit	deposit	NOUN
ajfa-3023	82	6	insurance	insurance	NOUN
ajfa-3023	82	7	scheme	scheme	NOUN
ajfa-3023	82	8	with	with	ADP
ajfa-3023	82	9	a	a	DET
ajfa-3023	82	10	mandatory	mandatory	ADJ
ajfa-3023	82	11	membership	membership	NOUN
ajfa-3023	82	12	encourages	encourage	VERB
ajfa-3023	82	13	market	market	NOUN
ajfa-3023	82	14	discipline	discipline	NOUN
ajfa-3023	82	15	exercised	exercise	VERB
ajfa-3023	82	16	by	by	ADP
ajfa-3023	82	17	banks	bank	NOUN
ajfa-3023	82	18	.	.	PUNCT
ajfa-3023	83	1	hypothesis	hypothesis	NOUN
ajfa-3023	83	2	3	3	NUM
ajfa-3023	83	3	:	:	PUNCT
ajfa-3023	83	4	combined	combine	VERB
ajfa-3023	83	5	with	with	ADP
ajfa-3023	83	6	good	good	ADJ
ajfa-3023	83	7	regulatory	regulatory	ADJ
ajfa-3023	83	8	framework	framework	NOUN
ajfa-3023	83	9	and	and	CCONJ
ajfa-3023	83	10	institutional	institutional	ADJ
ajfa-3023	83	11	quality	quality	NOUN
ajfa-3023	83	12	,	,	PUNCT
ajfa-3023	83	13	a	a	DET
ajfa-3023	83	14	risk	risk	NOUN
ajfa-3023	83	15	-	-	PUNCT
ajfa-3023	83	16	based	base	VERB
ajfa-3023	83	17	premium	premium	NOUN
ajfa-3023	83	18	system	system	NOUN
ajfa-3023	83	19	eliminates	eliminate	VERB
ajfa-3023	83	20	the	the	DET
ajfa-3023	83	21	free	free	ADJ
ajfa-3023	83	22	-	-	PUNCT
ajfa-3023	83	23	rider	rider	NOUN
ajfa-3023	83	24	problem	problem	NOUN
ajfa-3023	83	25	and	and	CCONJ
ajfa-3023	83	26	discourages	discourage	VERB
ajfa-3023	83	27	banks	bank	NOUN
ajfa-3023	83	28	’	’	PART
ajfa-3023	83	29	risk	risk	NOUN
ajfa-3023	83	30	-	-	PUNCT
ajfa-3023	83	31	taking	taking	NOUN
ajfa-3023	83	32	.	.	PUNCT
ajfa-3023	84	1	to	to	PART
ajfa-3023	84	2	test	test	VERB
ajfa-3023	84	3	these	these	DET
ajfa-3023	84	4	hypotheses	hypothesis	NOUN
ajfa-3023	84	5	,	,	PUNCT
ajfa-3023	84	6	we	we	PRON
ajfa-3023	84	7	employ	employ	VERB
ajfa-3023	84	8	information	information	NOUN
ajfa-3023	84	9	on	on	ADP
ajfa-3023	84	10	asset	asset	NOUN
ajfa-3023	84	11	and	and	CCONJ
ajfa-3023	84	12	liability	liability	NOUN
ajfa-3023	84	13	structure	structure	NOUN
ajfa-3023	84	14	,	,	PUNCT
ajfa-3023	84	15	sources	source	NOUN
ajfa-3023	84	16	of	of	ADP
ajfa-3023	84	17	income	income	NOUN
ajfa-3023	84	18	,	,	PUNCT
ajfa-3023	84	19	along	along	ADP
ajfa-3023	84	20	with	with	ADP
ajfa-3023	84	21	information	information	NOUN
ajfa-3023	84	22	on	on	ADP
ajfa-3023	84	23	country	country	NOUN
ajfa-3023	84	24	specific	specific	ADJ
ajfa-3023	84	25	variables	variable	NOUN
ajfa-3023	84	26	.	.	PUNCT
ajfa-3023	85	1	the	the	DET
ajfa-3023	85	2	specification	specification	NOUN
ajfa-3023	85	3	used	use	VERB
ajfa-3023	85	4	here	here	ADV
ajfa-3023	85	5	follows	follow	VERB
ajfa-3023	85	6	forssbæck	forssbæck	ADJ
ajfa-3023	85	7	(	(	PUNCT
ajfa-3023	85	8	2011	2011	NUM
ajfa-3023	85	9	)	)	PUNCT
ajfa-3023	85	10	.	.	PUNCT
ajfa-3023	86	1	this	this	DET
ajfa-3023	86	2	paper	paper	NOUN
ajfa-3023	86	3	uses	use	VERB
ajfa-3023	86	4	three	three	NUM
ajfa-3023	86	5	measures	measure	NOUN
ajfa-3023	86	6	of	of	ADP
ajfa-3023	86	7	bank	bank	NOUN
ajfa-3023	86	8	risks	risk	NOUN
ajfa-3023	86	9	overall	overall	ADJ
ajfa-3023	86	10	default	default	NOUN
ajfa-3023	86	11	risk	risk	NOUN
ajfa-3023	86	12	,	,	PUNCT
ajfa-3023	86	13	liquidity	liquidity	NOUN
ajfa-3023	86	14	risk	risk	NOUN
ajfa-3023	86	15	and	and	CCONJ
ajfa-3023	86	16	credit	credit	NOUN
ajfa-3023	86	17	risk	risk	NOUN
ajfa-3023	86	18	.	.	PUNCT
ajfa-3023	87	1	the	the	DET
ajfa-3023	87	2	main	main	ADJ
ajfa-3023	87	3	model	model	NOUN
ajfa-3023	87	4	of	of	ADP
ajfa-3023	87	5	this	this	DET
ajfa-3023	87	6	study	study	NOUN
ajfa-3023	87	7	is	be	AUX
ajfa-3023	87	8	as	as	SCONJ
ajfa-3023	87	9	follows	follow	VERB
ajfa-3023	87	10	:	:	PUNCT
ajfa-3023	87	11	=	=	SYM
ajfa-3023	88	1	+	+	PUNCT
ajfa-3023	88	2	+	+	PUNCT
ajfa-3023	89	1	+	+	PUNCT
ajfa-3023	89	2	+	+	CCONJ
ajfa-3023	89	3	(	(	PUNCT
ajfa-3023	89	4	1	1	X
ajfa-3023	89	5	)	)	PUNCT
ajfa-3023	89	6	where	where	SCONJ
ajfa-3023	89	7	represents	represent	VERB
ajfa-3023	89	8	a	a	DET
ajfa-3023	89	9	set	set	NOUN
ajfa-3023	89	10	of	of	ADP
ajfa-3023	89	11	dependent	dependent	ADJ
ajfa-3023	89	12	variable	variable	NOUN
ajfa-3023	89	13	of	of	ADP
ajfa-3023	89	14	risks	risk	NOUN
ajfa-3023	89	15	(	(	PUNCT
ajfa-3023	89	16	or	or	CCONJ
ajfa-3023	89	17	risk	risk	NOUN
ajfa-3023	89	18	-	-	PUNCT
ajfa-3023	89	19	taking	taking	NOUN
ajfa-3023	89	20	)	)	PUNCT
ajfa-3023	89	21	of	of	ADP
ajfa-3023	89	22	individual	individual	ADJ
ajfa-3023	89	23	banks	bank	NOUN
ajfa-3023	89	24	,	,	PUNCT
ajfa-3023	89	25	represents	represent	VERB
ajfa-3023	89	26	a	a	DET
ajfa-3023	89	27	vector	vector	NOUN
ajfa-3023	89	28	of	of	ADP
ajfa-3023	89	29	control	control	NOUN
ajfa-3023	89	30	variables	variable	NOUN
ajfa-3023	89	31	unique	unique	ADJ
ajfa-3023	89	32	to	to	ADP
ajfa-3023	89	33	bank	bank	PROPN
ajfa-3023	89	34	j	j	PROPN
ajfa-3023	89	35	at	at	ADP
ajfa-3023	89	36	the	the	DET
ajfa-3023	89	37	period	period	NOUN
ajfa-3023	89	38	t-1	t-1	PROPN
ajfa-3023	89	39	,	,	PUNCT
ajfa-3023	89	40	stands	stand	VERB
ajfa-3023	89	41	for	for	ADP
ajfa-3023	89	42	a	a	DET
ajfa-3023	89	43	vector	vector	NOUN
ajfa-3023	89	44	of	of	ADP
ajfa-3023	89	45	country	country	NOUN
ajfa-3023	89	46	-	-	PUNCT
ajfa-3023	89	47	specific	specific	ADJ
ajfa-3023	89	48	variables	variable	NOUN
ajfa-3023	89	49	in	in	ADP
ajfa-3023	89	50	country	country	NOUN
ajfa-3023	89	51	at	at	ADP
ajfa-3023	89	52	the	the	DET
ajfa-3023	89	53	period	period	NOUN
ajfa-3023	89	54	t-1	t-1	PROPN
ajfa-3023	89	55	and	and	CCONJ
ajfa-3023	89	56	represents	represent	VERB
ajfa-3023	89	57	a	a	DET
ajfa-3023	89	58	vector	vector	NOUN
ajfa-3023	89	59	of	of	ADP
ajfa-3023	89	60	indicators	indicator	NOUN
ajfa-3023	89	61	describing	describe	VERB
ajfa-3023	89	62	the	the	DET
ajfa-3023	89	63	deposit	deposit	NOUN
ajfa-3023	89	64	insurance	insurance	NOUN
ajfa-3023	89	65	system	system	NOUN
ajfa-3023	89	66	in	in	ADP
ajfa-3023	89	67	country	country	NOUN
ajfa-3023	89	68	at	at	ADP
ajfa-3023	89	69	the	the	DET
ajfa-3023	89	70	period	period	NOUN
ajfa-3023	89	71	t.	t.	NOUN
ajfa-3023	89	72	at	at	ADP
ajfa-3023	89	73	the	the	DET
ajfa-3023	89	74	bank	bank	NOUN
ajfa-3023	89	75	-	-	PUNCT
ajfa-3023	89	76	level	level	NOUN
ajfa-3023	89	77	,	,	PUNCT
ajfa-3023	89	78	in	in	ADP
ajfa-3023	89	79	line	line	NOUN
ajfa-3023	89	80	with	with	ADP
ajfa-3023	89	81	cebenoyan	cebenoyan	PROPN
ajfa-3023	89	82	et	et	PROPN
ajfa-3023	89	83	al	al	PROPN
ajfa-3023	89	84	.	.	PUNCT
ajfa-3023	90	1	(	(	PUNCT
ajfa-3023	90	2	1999	1999	NUM
ajfa-3023	90	3	)	)	PUNCT
ajfa-3023	90	4	,	,	PUNCT
ajfa-3023	90	5	we	we	PRON
ajfa-3023	90	6	include	include	VERB
ajfa-3023	90	7	bank	bank	NOUN
ajfa-3023	90	8	size	size	NOUN
ajfa-3023	90	9	.	.	PUNCT
ajfa-3023	91	1	to	to	PART
ajfa-3023	91	2	account	account	VERB
ajfa-3023	91	3	for	for	ADP
ajfa-3023	91	4	the	the	DET
ajfa-3023	91	5	non	non	ADJ
ajfa-3023	91	6	-	-	ADJ
ajfa-3023	91	7	linear	linear	ADJ
ajfa-3023	91	8	relation	relation	NOUN
ajfa-3023	91	9	between	between	ADP
ajfa-3023	91	10	banks	bank	NOUN
ajfa-3023	91	11	’	’	PART
ajfa-3023	91	12	risk	risk	NOUN
ajfa-3023	91	13	-	-	PUNCT
ajfa-3023	91	14	taking	taking	NOUN
ajfa-3023	91	15	and	and	CCONJ
ajfa-3023	91	16	asset	asset	NOUN
ajfa-3023	91	17	size	size	NOUN
ajfa-3023	91	18	,	,	PUNCT
ajfa-3023	91	19	the	the	DET
ajfa-3023	91	20	square	square	NOUN
ajfa-3023	91	21	of	of	ADP
ajfa-3023	91	22	asset	asset	NOUN
ajfa-3023	91	23	size	size	NOUN
ajfa-3023	91	24	is	be	AUX
ajfa-3023	91	25	used	use	VERB
ajfa-3023	91	26	in	in	ADP
ajfa-3023	91	27	the	the	DET
ajfa-3023	91	28	analysis	analysis	NOUN
ajfa-3023	91	29	.	.	PUNCT
ajfa-3023	92	1	the	the	DET
ajfa-3023	92	2	choice	choice	NOUN
ajfa-3023	92	3	of	of	ADP
ajfa-3023	92	4	control	control	NOUN
ajfa-3023	92	5	variables	variable	NOUN
ajfa-3023	92	6	at	at	ADP
ajfa-3023	92	7	the	the	DET
ajfa-3023	92	8	country	country	NOUN
ajfa-3023	92	9	level	level	NOUN
ajfa-3023	92	10	is	be	AUX
ajfa-3023	92	11	largely	largely	ADV
ajfa-3023	92	12	made	make	VERB
ajfa-3023	92	13	on	on	ADP
ajfa-3023	92	14	the	the	DET
ajfa-3023	92	15	basis	basis	NOUN
ajfa-3023	92	16	of	of	ADP
ajfa-3023	92	17	angkinand	angkinand	NOUN
ajfa-3023	92	18	and	and	CCONJ
ajfa-3023	92	19	wihlborg	wihlborg	PROPN
ajfa-3023	92	20	’s	’s	PART
ajfa-3023	92	21	(	(	PUNCT
ajfa-3023	92	22	2010	2010	NUM
ajfa-3023	92	23	)	)	PUNCT
ajfa-3023	92	24	study	study	NOUN
ajfa-3023	92	25	.	.	PUNCT
ajfa-3023	93	1	thus	thus	ADV
ajfa-3023	93	2	,	,	PUNCT
ajfa-3023	93	3	real	real	ADJ
ajfa-3023	93	4	gdp	gdp	NOUN
ajfa-3023	93	5	growth	growth	NOUN
ajfa-3023	93	6	,	,	PUNCT
ajfa-3023	93	7	the	the	DET
ajfa-3023	93	8	real	real	ADJ
ajfa-3023	93	9	interest	interest	NOUN
ajfa-3023	93	10	rate	rate	NOUN
ajfa-3023	93	11	and	and	CCONJ
ajfa-3023	93	12	the	the	DET
ajfa-3023	93	13	inflation	inflation	NOUN
ajfa-3023	93	14	rate	rate	NOUN
ajfa-3023	93	15	are	be	AUX
ajfa-3023	93	16	included	include	VERB
ajfa-3023	93	17	.	.	PUNCT
ajfa-3023	94	1	an	an	DET
ajfa-3023	94	2	additional	additional	ADJ
ajfa-3023	94	3	country	country	NOUN
ajfa-3023	94	4	-	-	PUNCT
ajfa-3023	94	5	level	level	NOUN
ajfa-3023	94	6	control	control	NOUN
ajfa-3023	94	7	is	be	AUX
ajfa-3023	94	8	the	the	DET
ajfa-3023	94	9	index	index	NOUN
ajfa-3023	94	10	of	of	ADP
ajfa-3023	94	11	legal	legal	ADJ
ajfa-3023	94	12	enforcement	enforcement	NOUN
ajfa-3023	94	13	.	.	PUNCT
ajfa-3023	95	1	definitions	definition	NOUN
ajfa-3023	95	2	of	of	ADP
ajfa-3023	95	3	all	all	DET
ajfa-3023	95	4	variables	variable	NOUN
ajfa-3023	95	5	used	use	VERB
ajfa-3023	95	6	in	in	ADP
ajfa-3023	95	7	this	this	DET
ajfa-3023	95	8	paper	paper	NOUN
ajfa-3023	95	9	are	be	AUX
ajfa-3023	95	10	presented	present	VERB
ajfa-3023	95	11	in	in	ADP
ajfa-3023	95	12	table	table	NOUN
ajfa-3023	95	13	1	1	NUM
ajfa-3023	95	14	.	.	PUNCT
ajfa-3023	95	15	a	a	DET
ajfa-3023	95	16	more	more	ADV
ajfa-3023	95	17	detailed	detailed	ADJ
ajfa-3023	95	18	description	description	NOUN
ajfa-3023	95	19	of	of	ADP
ajfa-3023	95	20	the	the	DET
ajfa-3023	95	21	variables	variable	NOUN
ajfa-3023	95	22	is	be	AUX
ajfa-3023	95	23	presented	present	VERB
ajfa-3023	95	24	in	in	ADP
ajfa-3023	95	25	the	the	DET
ajfa-3023	95	26	data	data	NOUN
ajfa-3023	95	27	section	section	NOUN
ajfa-3023	95	28	.	.	PUNCT
ajfa-3023	96	1	asian	asian	ADJ
ajfa-3023	96	2	journal	journal	PROPN
ajfa-3023	96	3	of	of	ADP
ajfa-3023	96	4	finance	finance	PROPN
ajfa-3023	96	5	&	&	CCONJ
ajfa-3023	96	6	accounting	accounting	PROPN
ajfa-3023	96	7	issn	issn	PROPN
ajfa-3023	96	8	1946	1946	NUM
ajfa-3023	96	9	-	-	PUNCT
ajfa-3023	96	10	052x	052x	NOUN
ajfa-3023	96	11	2013	2013	NUM
ajfa-3023	96	12	,	,	PUNCT
ajfa-3023	96	13	vol	vol	NOUN
ajfa-3023	96	14	.	.	PROPN
ajfa-3023	96	15	5	5	NUM
ajfa-3023	96	16	,	,	PUNCT
ajfa-3023	96	17	no	no	INTJ
ajfa-3023	96	18	.	.	NOUN
ajfa-3023	96	19	1	1	NUM
ajfa-3023	96	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	96	21	109	109	NUM
ajfa-3023	96	22	table	table	NOUN
ajfa-3023	96	23	1	1	NUM
ajfa-3023	96	24	.	.	PUNCT
ajfa-3023	97	1	definition	definition	NOUN
ajfa-3023	97	2	of	of	ADP
ajfa-3023	97	3	variables	variable	NOUN
ajfa-3023	97	4	we	we	PRON
ajfa-3023	97	5	interact	interact	VERB
ajfa-3023	97	6	our	our	PRON
ajfa-3023	97	7	deposit	deposit	NOUN
ajfa-3023	97	8	insurance	insurance	NOUN
ajfa-3023	97	9	variables	variable	NOUN
ajfa-3023	97	10	with	with	ADP
ajfa-3023	97	11	some	some	PRON
ajfa-3023	97	12	of	of	ADP
ajfa-3023	97	13	bank	bank	NOUN
ajfa-3023	97	14	variables	variable	NOUN
ajfa-3023	97	15	.	.	PUNCT
ajfa-3023	98	1	these	these	DET
ajfa-3023	98	2	interaction	interaction	NOUN
ajfa-3023	98	3	variables	variable	NOUN
ajfa-3023	98	4	allow	allow	VERB
ajfa-3023	98	5	us	we	PRON
ajfa-3023	98	6	to	to	PART
ajfa-3023	98	7	account	account	VERB
ajfa-3023	98	8	for	for	ADP
ajfa-3023	98	9	the	the	DET
ajfa-3023	98	10	effects	effect	NOUN
ajfa-3023	98	11	of	of	ADP
ajfa-3023	98	12	deposit	deposit	NOUN
ajfa-3023	98	13	insurance	insurance	NOUN
ajfa-3023	98	14	’s	’s	PART
ajfa-3023	98	15	features	feature	NOUN
ajfa-3023	98	16	on	on	ADP
ajfa-3023	98	17	banks	bank	NOUN
ajfa-3023	98	18	’	’	PART
ajfa-3023	98	19	characteristics	characteristic	NOUN
ajfa-3023	98	20	and	and	CCONJ
ajfa-3023	98	21	risk	risk	NOUN
ajfa-3023	98	22	-	-	PUNCT
ajfa-3023	98	23	taking	taking	NOUN
ajfa-3023	98	24	.	.	PUNCT
ajfa-3023	99	1	similar	similar	ADJ
ajfa-3023	99	2	to	to	ADP
ajfa-3023	99	3	other	other	ADJ
ajfa-3023	99	4	studies	study	NOUN
ajfa-3023	99	5	on	on	ADP
ajfa-3023	99	6	risk	risk	NOUN
ajfa-3023	99	7	-	-	PUNCT
ajfa-3023	99	8	taking	taking	NOUN
ajfa-3023	99	9	,	,	PUNCT
ajfa-3023	99	10	we	we	PRON
ajfa-3023	99	11	expect	expect	VERB
ajfa-3023	99	12	that	that	SCONJ
ajfa-3023	99	13	the	the	DET
ajfa-3023	99	14	deposit	deposit	NOUN
ajfa-3023	99	15	insurance	insurance	NOUN
ajfa-3023	99	16	dummy	dummy	NOUN
ajfa-3023	99	17	is	be	AUX
ajfa-3023	99	18	positively	positively	ADV
ajfa-3023	99	19	related	relate	VERB
ajfa-3023	99	20	to	to	ADP
ajfa-3023	99	21	banks	bank	NOUN
ajfa-3023	99	22	’	'	PUNCT
ajfa-3023	99	23	risk	risk	NOUN
ajfa-3023	99	24	taking	taking	NOUN
ajfa-3023	99	25	.	.	PUNCT
ajfa-3023	100	1	on	on	ADP
ajfa-3023	100	2	the	the	DET
ajfa-3023	100	3	other	other	ADJ
ajfa-3023	100	4	hand	hand	NOUN
ajfa-3023	100	5	,	,	PUNCT
ajfa-3023	100	6	increasing	increase	VERB
ajfa-3023	100	7	bank	bank	NOUN
ajfa-3023	100	8	size	size	NOUN
ajfa-3023	100	9	will	will	AUX
ajfa-3023	100	10	positively	positively	ADV
ajfa-3023	100	11	affect	affect	VERB
ajfa-3023	100	12	overall	overall	ADJ
ajfa-3023	100	13	risk	risk	NOUN
ajfa-3023	100	14	and	and	CCONJ
ajfa-3023	100	15	other	other	ADJ
ajfa-3023	100	16	risk	risk	NOUN
ajfa-3023	100	17	measures	measure	NOUN
ajfa-3023	100	18	in	in	ADP
ajfa-3023	100	19	the	the	DET
ajfa-3023	100	20	presence	presence	NOUN
ajfa-3023	100	21	of	of	ADP
ajfa-3023	100	22	a	a	DET
ajfa-3023	100	23	deposit	deposit	NOUN
ajfa-3023	100	24	insurance	insurance	NOUN
ajfa-3023	100	25	scheme	scheme	NOUN
ajfa-3023	100	26	.	.	PUNCT
ajfa-3023	101	1	if	if	SCONJ
ajfa-3023	101	2	the	the	DET
ajfa-3023	101	3	mandatory	mandatory	ADJ
ajfa-3023	101	4	membership	membership	NOUN
ajfa-3023	101	5	encourages	encourage	VERB
ajfa-3023	101	6	banks	bank	NOUN
ajfa-3023	101	7	’	’	PART
ajfa-3023	101	8	risk	risk	NOUN
ajfa-3023	101	9	-	-	PUNCT
ajfa-3023	101	10	shifting	shifting	NOUN
ajfa-3023	101	11	to	to	ADP
ajfa-3023	101	12	one	one	NUM
ajfa-3023	101	13	another	another	DET
ajfa-3023	101	14	at	at	ADP
ajfa-3023	101	15	the	the	DET
ajfa-3023	101	16	expense	expense	NOUN
ajfa-3023	101	17	of	of	ADP
ajfa-3023	101	18	a	a	DET
ajfa-3023	101	19	deposit	deposit	NOUN
ajfa-3023	101	20	protection	protection	NOUN
ajfa-3023	101	21	system	system	NOUN
ajfa-3023	101	22	,	,	PUNCT
ajfa-3023	101	23	the	the	DET
ajfa-3023	101	24	coefficients	coefficient	NOUN
ajfa-3023	101	25	on	on	ADP
ajfa-3023	101	26	the	the	DET
ajfa-3023	101	27	interaction	interaction	NOUN
ajfa-3023	101	28	variable	variable	NOUN
ajfa-3023	101	29	,	,	PUNCT
ajfa-3023	101	30	deposit	deposit	NOUN
ajfa-3023	101	31	insurance	insurance	NOUN
ajfa-3023	101	32	membership	membership	NOUN
ajfa-3023	101	33	dummy	dummy	NOUN
ajfa-3023	101	34	multiplied	multiply	VERB
ajfa-3023	101	35	by	by	ADP
ajfa-3023	101	36	deposits	deposit	NOUN
ajfa-3023	101	37	due	due	ADJ
ajfa-3023	101	38	from	from	ADP
ajfa-3023	101	39	banks	bank	NOUN
ajfa-3023	101	40	over	over	ADP
ajfa-3023	101	41	total	total	ADJ
ajfa-3023	101	42	assets	asset	NOUN
ajfa-3023	101	43	,	,	PUNCT
ajfa-3023	101	44	shall	shall	AUX
ajfa-3023	101	45	be	be	AUX
ajfa-3023	101	46	significant	significant	ADJ
ajfa-3023	101	47	.	.	PUNCT
ajfa-3023	102	1	if	if	SCONJ
ajfa-3023	102	2	this	this	PRON
ajfa-3023	102	3	holds	hold	VERB
ajfa-3023	102	4	true	true	ADJ
ajfa-3023	102	5	,	,	PUNCT
ajfa-3023	102	6	banks	bank	NOUN
ajfa-3023	102	7	will	will	AUX
ajfa-3023	102	8	witness	witness	VERB
ajfa-3023	102	9	an	an	DET
ajfa-3023	102	10	increase	increase	NOUN
ajfa-3023	102	11	in	in	ADP
ajfa-3023	102	12	interbank	interbank	NOUN
ajfa-3023	102	13	deposits	deposit	NOUN
ajfa-3023	102	14	over	over	ADP
ajfa-3023	102	15	total	total	ADJ
ajfa-3023	102	16	assets	asset	NOUN
ajfa-3023	102	17	.	.	PUNCT
ajfa-3023	103	1	variables	variable	NOUN
ajfa-3023	103	2	definition	definition	NOUN
ajfa-3023	103	3	dependent	dependent	ADJ
ajfa-3023	103	4	variables	variable	NOUN
ajfa-3023	103	5	:	:	PUNCT
ajfa-3023	103	6	risk	risk	NOUN
ajfa-3023	103	7	variables	variable	NOUN
ajfa-3023	103	8	=	=	PUNCT
ajfa-3023	103	9	rijt	rijt	NOUN
ajfa-3023	103	10	proxy	proxy	NOUN
ajfa-3023	103	11	to	to	ADP
ajfa-3023	103	12	:	:	PUNCT
ajfa-3023	103	13	z	z	NOUN
ajfa-3023	103	14	overall	overall	ADJ
ajfa-3023	103	15	default	default	NOUN
ajfa-3023	103	16	risk	risk	NOUN
ajfa-3023	103	17	npl	npl	NOUN
ajfa-3023	103	18	credit	credit	NOUN
ajfa-3023	103	19	risk	risk	NOUN
ajfa-3023	103	20	liquid	liquid	NOUN
ajfa-3023	103	21	liquidity	liquidity	NOUN
ajfa-3023	103	22	risk	risk	NOUN
ajfa-3023	103	23	independent	independent	ADJ
ajfa-3023	103	24	variables	variable	NOUN
ajfa-3023	103	25	:	:	PUNCT
ajfa-3023	103	26	bank	bank	NOUN
ajfa-3023	103	27	variables	variable	NOUN
ajfa-3023	103	28	=	=	PUNCT
ajfa-3023	104	1	x	x	SYM
ajfa-3023	104	2	jt	jt	PROPN
ajfa-3023	104	3	ta	ta	PROPN
ajfa-3023	104	4	ta2	ta2	PROPN
ajfa-3023	104	5	nii	nii	PROPN
ajfa-3023	104	6	depba	depba	PROPN
ajfa-3023	104	7	td	td	PROPN
ajfa-3023	104	8	tier1	tier1	PROPN
ajfa-3023	104	9	country	country	NOUN
ajfa-3023	104	10	-	-	PUNCT
ajfa-3023	104	11	specific	specific	ADJ
ajfa-3023	104	12	variables	variable	NOUN
ajfa-3023	104	13	=	=	PUNCT
ajfa-3023	105	1	m	m	VERB
ajfa-3023	105	2	it	it	PRON
ajfa-3023	105	3	rint	rint	VERB
ajfa-3023	105	4	gdp	gdp	PROPN
ajfa-3023	105	5	inf	inf	PROPN
ajfa-3023	105	6	law	law	PROPN
ajfa-3023	105	7	deposit	deposit	NOUN
ajfa-3023	105	8	insurance	insurance	NOUN
ajfa-3023	105	9	variables	variable	NOUN
ajfa-3023	105	10	=	=	PUNCT
ajfa-3023	106	1	d	d	X
ajfa-3023	106	2	it	it	PRON
ajfa-3023	106	3	di	di	PROPN
ajfa-3023	106	4	diprem	diprem	PROPN
ajfa-3023	106	5	fund	fund	PROPN
ajfa-3023	106	6	dimem	dimem	NOUN
ajfa-3023	106	7	cov	cov	PROPN
ajfa-3023	106	8	ratio	ratio	NOUN
ajfa-3023	106	9	of	of	ADP
ajfa-3023	106	10	liquid	liquid	ADJ
ajfa-3023	106	11	asset	asset	NOUN
ajfa-3023	106	12	to	to	ADP
ajfa-3023	106	13	total	total	ADJ
ajfa-3023	106	14	deposits	deposit	NOUN
ajfa-3023	106	15	and	and	CCONJ
ajfa-3023	106	16	short	short	ADJ
ajfa-3023	106	17	-	-	PUNCT
ajfa-3023	106	18	term	term	NOUN
ajfa-3023	106	19	borrowing	borrowing	NOUN
ajfa-3023	106	20	where	where	SCONJ
ajfa-3023	106	21	k	k	PROPN
ajfa-3023	106	22	is	be	AUX
ajfa-3023	106	23	a	a	DET
ajfa-3023	106	24	percent	percent	NOUN
ajfa-3023	106	25	of	of	ADP
ajfa-3023	106	26	equity	equity	NOUN
ajfa-3023	106	27	to	to	ADP
ajfa-3023	106	28	total	total	ADJ
ajfa-3023	106	29	assets	asset	NOUN
ajfa-3023	106	30	,	,	PUNCT
ajfa-3023	106	31	μroa	μroa	NOUN
ajfa-3023	106	32	is	be	AUX
ajfa-3023	106	33	the	the	DET
ajfa-3023	106	34	ratio	ratio	NOUN
ajfa-3023	106	35	of	of	ADP
ajfa-3023	106	36	net	net	ADJ
ajfa-3023	106	37	profit	profit	NOUN
ajfa-3023	106	38	over	over	ADP
ajfa-3023	106	39	average	average	ADJ
ajfa-3023	106	40	total	total	ADJ
ajfa-3023	106	41	assets	asset	NOUN
ajfa-3023	106	42	,	,	PUNCT
ajfa-3023	106	43	σroa	σroa	NOUN
ajfa-3023	106	44	represents	represent	VERB
ajfa-3023	106	45	the	the	DET
ajfa-3023	106	46	standard	standard	ADJ
ajfa-3023	106	47	deviation	deviation	NOUN
ajfa-3023	106	48	of	of	ADP
ajfa-3023	106	49	return	return	NOUN
ajfa-3023	106	50	on	on	ADP
ajfa-3023	106	51	assets	asset	NOUN
ajfa-3023	106	52	on	on	ADP
ajfa-3023	106	53	the	the	DET
ajfa-3023	106	54	considered	consider	VERB
ajfa-3023	106	55	period	period	NOUN
ajfa-3023	106	56	.	.	PUNCT
ajfa-3023	107	1	the	the	DET
ajfa-3023	107	2	natural	natural	ADJ
ajfa-3023	107	3	logarithm	logarithm	NOUN
ajfa-3023	107	4	of	of	ADP
ajfa-3023	107	5	it	it	PRON
ajfa-3023	107	6	is	be	AUX
ajfa-3023	107	7	used	use	VERB
ajfa-3023	107	8	in	in	ADP
ajfa-3023	107	9	regression	regression	NOUN
ajfa-3023	107	10	analysis	analysis	NOUN
ajfa-3023	107	11	.	.	PUNCT
ajfa-3023	108	1	ratio	ratio	NOUN
ajfa-3023	108	2	of	of	ADP
ajfa-3023	108	3	non	non	ADJ
ajfa-3023	108	4	-	-	ADJ
ajfa-3023	108	5	performing	performing	ADJ
ajfa-3023	108	6	loans	loan	NOUN
ajfa-3023	108	7	to	to	ADP
ajfa-3023	108	8	gross	gross	ADJ
ajfa-3023	108	9	loans	loan	NOUN
ajfa-3023	108	10	annual	annual	ADJ
ajfa-3023	108	11	percent	percent	NOUN
ajfa-3023	108	12	changes	change	NOUN
ajfa-3023	108	13	of	of	ADP
ajfa-3023	108	14	real	real	ADJ
ajfa-3023	108	15	gdp	gdp	NOUN
ajfa-3023	108	16	natural	natural	ADJ
ajfa-3023	108	17	logarithm	logarithm	NOUN
ajfa-3023	108	18	of	of	ADP
ajfa-3023	108	19	total	total	ADJ
ajfa-3023	108	20	assets	asset	NOUN
ajfa-3023	108	21	the	the	DET
ajfa-3023	108	22	square	square	NOUN
ajfa-3023	108	23	of	of	ADP
ajfa-3023	108	24	ta	ta	ADP
ajfa-3023	108	25	ratio	ratio	NOUN
ajfa-3023	108	26	of	of	ADP
ajfa-3023	108	27	non	non	ADJ
ajfa-3023	108	28	-	-	ADJ
ajfa-3023	108	29	interest	interest	ADJ
ajfa-3023	108	30	income	income	NOUN
ajfa-3023	108	31	to	to	ADP
ajfa-3023	108	32	gross	gross	ADJ
ajfa-3023	108	33	income	income	NOUN
ajfa-3023	108	34	ratio	ratio	NOUN
ajfa-3023	108	35	of	of	ADP
ajfa-3023	108	36	deposits	deposit	NOUN
ajfa-3023	108	37	due	due	ADP
ajfa-3023	108	38	to	to	ADP
ajfa-3023	108	39	banks	bank	NOUN
ajfa-3023	108	40	to	to	PART
ajfa-3023	108	41	total	total	VERB
ajfa-3023	108	42	deposits	deposit	NOUN
ajfa-3023	108	43	ratio	ratio	NOUN
ajfa-3023	108	44	of	of	ADP
ajfa-3023	108	45	total	total	ADJ
ajfa-3023	108	46	customer	customer	NOUN
ajfa-3023	108	47	deposits	deposit	NOUN
ajfa-3023	108	48	to	to	ADP
ajfa-3023	108	49	total	total	ADJ
ajfa-3023	108	50	assets	asset	NOUN
ajfa-3023	108	51	ratio	ratio	NOUN
ajfa-3023	108	52	of	of	ADP
ajfa-3023	108	53	tier	tier	NOUN
ajfa-3023	108	54	1	1	NUM
ajfa-3023	108	55	capital	capital	NOUN
ajfa-3023	108	56	to	to	ADP
ajfa-3023	108	57	risk	risk	NOUN
ajfa-3023	108	58	-	-	PUNCT
ajfa-3023	108	59	weighted	weight	VERB
ajfa-3023	108	60	assets	asset	NOUN
ajfa-3023	108	61	average	average	ADJ
ajfa-3023	108	62	nominal	nominal	ADJ
ajfa-3023	108	63	interest	interest	NOUN
ajfa-3023	108	64	rates	rate	NOUN
ajfa-3023	108	65	on	on	ADP
ajfa-3023	108	66	deposits	deposit	NOUN
ajfa-3023	108	67	by	by	ADP
ajfa-3023	108	68	country	country	NOUN
ajfa-3023	108	69	minus	minus	CCONJ
ajfa-3023	108	70	inflation	inflation	NOUN
ajfa-3023	108	71	rates	rate	NOUN
ajfa-3023	108	72	=	=	PUNCT
ajfa-3023	108	73	1	1	NUM
ajfa-3023	108	74	if	if	SCONJ
ajfa-3023	108	75	the	the	DET
ajfa-3023	108	76	coverage	coverage	NOUN
ajfa-3023	108	77	of	of	ADP
ajfa-3023	108	78	deposits	deposit	NOUN
ajfa-3023	108	79	insurance	insurance	NOUN
ajfa-3023	108	80	is	be	AUX
ajfa-3023	108	81	higher	high	ADJ
ajfa-3023	108	82	than	than	ADP
ajfa-3023	108	83	four	four	NUM
ajfa-3023	108	84	times	time	NOUN
ajfa-3023	108	85	22,382.8	22,382.8	NUM
ajfa-3023	108	86	(	(	PUNCT
ajfa-3023	108	87	the	the	DET
ajfa-3023	108	88	sample	sample	NOUN
ajfa-3023	108	89	mean	mean	VERB
ajfa-3023	108	90	)	)	PUNCT
ajfa-3023	108	91	or	or	CCONJ
ajfa-3023	108	92	full	full	ADJ
ajfa-3023	108	93	,	,	PUNCT
ajfa-3023	108	94	=	=	SYM
ajfa-3023	108	95	0	0	NUM
ajfa-3023	108	96	otherwise	otherwise	ADV
ajfa-3023	108	97	annual	annual	ADJ
ajfa-3023	108	98	inflation	inflation	NOUN
ajfa-3023	108	99	rate	rate	NOUN
ajfa-3023	108	100	the	the	DET
ajfa-3023	108	101	index	index	NOUN
ajfa-3023	108	102	of	of	ADP
ajfa-3023	108	103	law	law	NOUN
ajfa-3023	108	104	enforcement	enforcement	NOUN
ajfa-3023	108	105	from	from	ADP
ajfa-3023	108	106	the	the	DET
ajfa-3023	108	107	worldwide	worldwide	ADJ
ajfa-3023	108	108	governance	governance	NOUN
ajfa-3023	108	109	=	=	NOUN
ajfa-3023	108	110	1	1	NUM
ajfa-3023	108	111	if	if	SCONJ
ajfa-3023	108	112	deposits	deposit	NOUN
ajfa-3023	108	113	are	be	AUX
ajfa-3023	108	114	protected	protect	VERB
ajfa-3023	108	115	by	by	ADP
ajfa-3023	108	116	an	an	DET
ajfa-3023	108	117	official	official	ADJ
ajfa-3023	108	118	deposit	deposit	NOUN
ajfa-3023	108	119	insurance	insurance	NOUN
ajfa-3023	108	120	=	=	NOUN
ajfa-3023	108	121	1	1	NUM
ajfa-3023	108	122	if	if	SCONJ
ajfa-3023	108	123	a	a	DET
ajfa-3023	108	124	country	country	NOUN
ajfa-3023	108	125	adopted	adopt	VERB
ajfa-3023	108	126	the	the	DET
ajfa-3023	108	127	differential	differential	ADJ
ajfa-3023	108	128	premium	premium	NOUN
ajfa-3023	108	129	system	system	NOUN
ajfa-3023	108	130	,	,	PUNCT
ajfa-3023	108	131	and	and	CCONJ
ajfa-3023	108	132	=	=	SYM
ajfa-3023	108	133	0	0	PUNCT
ajfa-3023	109	1	=	=	SYM
ajfa-3023	109	2	1	1	NUM
ajfa-3023	109	3	if	if	SCONJ
ajfa-3023	109	4	public	public	ADJ
ajfa-3023	109	5	sector	sector	NOUN
ajfa-3023	109	6	provides	provide	VERB
ajfa-3023	109	7	funding	funding	NOUN
ajfa-3023	109	8	,	,	PUNCT
ajfa-3023	109	9	=	=	SYM
ajfa-3023	109	10	0	0	PUNCT
ajfa-3023	110	1	otherwise	otherwise	ADV
ajfa-3023	110	2	=	=	SYM
ajfa-3023	110	3	1	1	NUM
ajfa-3023	110	4	if	if	SCONJ
ajfa-3023	110	5	the	the	DET
ajfa-3023	110	6	membership	membership	NOUN
ajfa-3023	110	7	is	be	AUX
ajfa-3023	110	8	mandatory	mandatory	ADJ
ajfa-3023	110	9	,	,	PUNCT
ajfa-3023	110	10	=	=	SYM
ajfa-3023	110	11	0	0	NUM
ajfa-3023	110	12	otherwise	otherwise	ADV
ajfa-3023	110	13	asian	asian	ADJ
ajfa-3023	110	14	journal	journal	NOUN
ajfa-3023	110	15	of	of	ADP
ajfa-3023	110	16	finance	finance	PROPN
ajfa-3023	110	17	&	&	CCONJ
ajfa-3023	110	18	accounting	accounting	PROPN
ajfa-3023	110	19	issn	issn	PROPN
ajfa-3023	110	20	1946	1946	NUM
ajfa-3023	110	21	-	-	PUNCT
ajfa-3023	110	22	052x	052x	NOUN
ajfa-3023	110	23	2013	2013	NUM
ajfa-3023	110	24	,	,	PUNCT
ajfa-3023	110	25	vol	vol	NOUN
ajfa-3023	110	26	.	.	PROPN
ajfa-3023	111	1	5	5	NUM
ajfa-3023	111	2	,	,	PUNCT
ajfa-3023	111	3	no	no	INTJ
ajfa-3023	111	4	.	.	NOUN
ajfa-3023	111	5	1	1	NUM
ajfa-3023	111	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-3023	111	7	110	110	NUM
ajfa-3023	111	8	to	to	PART
ajfa-3023	111	9	test	test	VERB
ajfa-3023	111	10	the	the	DET
ajfa-3023	111	11	third	third	ADJ
ajfa-3023	111	12	hypothesis	hypothesis	NOUN
ajfa-3023	111	13	,	,	PUNCT
ajfa-3023	111	14	we	we	PRON
ajfa-3023	111	15	run	run	VERB
ajfa-3023	111	16	regressions	regression	NOUN
ajfa-3023	111	17	using	use	VERB
ajfa-3023	111	18	the	the	DET
ajfa-3023	111	19	interaction	interaction	NOUN
ajfa-3023	111	20	variables	variable	NOUN
ajfa-3023	111	21	associated	associate	VERB
ajfa-3023	111	22	with	with	ADP
ajfa-3023	111	23	risk	risk	NOUN
ajfa-3023	111	24	-	-	PUNCT
ajfa-3023	111	25	based	base	VERB
ajfa-3023	111	26	deposit	deposit	NOUN
ajfa-3023	111	27	insurance	insurance	NOUN
ajfa-3023	111	28	premium	premium	NOUN
ajfa-3023	111	29	,	,	PUNCT
ajfa-3023	111	30	law	law	NOUN
ajfa-3023	111	31	enforcement	enforcement	NOUN
ajfa-3023	111	32	and	and	CCONJ
ajfa-3023	111	33	the	the	DET
ajfa-3023	111	34	tier	tier	NOUN
ajfa-3023	111	35	1	1	NUM
ajfa-3023	111	36	capital	capital	NOUN
ajfa-3023	111	37	ratio	ratio	NOUN
ajfa-3023	111	38	.	.	PUNCT
ajfa-3023	112	1	if	if	SCONJ
ajfa-3023	112	2	an	an	DET
ajfa-3023	112	3	increase	increase	NOUN
ajfa-3023	112	4	in	in	ADP
ajfa-3023	112	5	the	the	DET
ajfa-3023	112	6	tier	tier	NOUN
ajfa-3023	112	7	1	1	NUM
ajfa-3023	112	8	capital	capital	NOUN
ajfa-3023	112	9	ratio	ratio	NOUN
ajfa-3023	112	10	interacted	interact	VERB
ajfa-3023	112	11	with	with	ADP
ajfa-3023	112	12	risk	risk	NOUN
ajfa-3023	112	13	-	-	PUNCT
ajfa-3023	112	14	based	base	VERB
ajfa-3023	112	15	premium	premium	NOUN
ajfa-3023	112	16	dummy	dummy	NOUN
ajfa-3023	112	17	positively	positively	ADV
ajfa-3023	112	18	affects	affect	VERB
ajfa-3023	112	19	bank	bank	NOUN
ajfa-3023	112	20	risks	risk	NOUN
ajfa-3023	112	21	,	,	PUNCT
ajfa-3023	112	22	we	we	PRON
ajfa-3023	112	23	may	may	AUX
ajfa-3023	112	24	conclude	conclude	VERB
ajfa-3023	112	25	that	that	PRON
ajfa-3023	112	26	risk	risk	NOUN
ajfa-3023	112	27	-	-	PUNCT
ajfa-3023	112	28	based	base	VERB
ajfa-3023	112	29	deposit	deposit	NOUN
ajfa-3023	112	30	insurance	insurance	NOUN
ajfa-3023	112	31	premiums	premium	NOUN
ajfa-3023	112	32	do	do	AUX
ajfa-3023	112	33	not	not	PART
ajfa-3023	112	34	properly	properly	ADV
ajfa-3023	112	35	reflect	reflect	VERB
ajfa-3023	112	36	risks	risk	NOUN
ajfa-3023	112	37	posed	pose	VERB
ajfa-3023	112	38	by	by	ADP
ajfa-3023	112	39	banks	bank	NOUN
ajfa-3023	112	40	.	.	PUNCT
ajfa-3023	113	1	we	we	PRON
ajfa-3023	113	2	also	also	ADV
ajfa-3023	113	3	expect	expect	VERB
ajfa-3023	113	4	that	that	SCONJ
ajfa-3023	113	5	higher	high	ADJ
ajfa-3023	113	6	law	law	NOUN
ajfa-3023	113	7	enforcement	enforcement	NOUN
ajfa-3023	113	8	index	index	NOUN
ajfa-3023	113	9	strengthens	strengthen	VERB
ajfa-3023	113	10	risk	risk	NOUN
ajfa-3023	113	11	-	-	PUNCT
ajfa-3023	113	12	based	base	VERB
ajfa-3023	113	13	deposit	deposit	NOUN
ajfa-3023	113	14	insurance	insurance	NOUN
ajfa-3023	113	15	systems	system	NOUN
ajfa-3023	113	16	.	.	PUNCT
ajfa-3023	114	1	we	we	PRON
ajfa-3023	114	2	investigate	investigate	VERB
ajfa-3023	114	3	the	the	DET
ajfa-3023	114	4	effects	effect	NOUN
ajfa-3023	114	5	of	of	ADP
ajfa-3023	114	6	a	a	DET
ajfa-3023	114	7	deposit	deposit	NOUN
ajfa-3023	114	8	insurance	insurance	NOUN
ajfa-3023	114	9	system	system	NOUN
ajfa-3023	114	10	on	on	ADP
ajfa-3023	114	11	bank	bank	NOUN
ajfa-3023	114	12	risks	risk	NOUN
ajfa-3023	114	13	by	by	ADP
ajfa-3023	114	14	employing	employ	VERB
ajfa-3023	114	15	generalized	generalized	ADJ
ajfa-3023	114	16	least	least	ADJ
ajfa-3023	114	17	squares	square	NOUN
ajfa-3023	114	18	.	.	PUNCT
ajfa-3023	115	1	the	the	DET
ajfa-3023	115	2	feasible	feasible	ADJ
ajfa-3023	115	3	generalized	generalized	ADJ
ajfa-3023	115	4	least	least	ADJ
ajfa-3023	115	5	square	square	ADJ
ajfa-3023	115	6	model	model	NOUN
ajfa-3023	115	7	(	(	PUNCT
ajfa-3023	115	8	fgls	fgls	PROPN
ajfa-3023	115	9	)	)	PUNCT
ajfa-3023	115	10	allows	allow	VERB
ajfa-3023	115	11	us	we	PRON
ajfa-3023	115	12	to	to	PART
ajfa-3023	115	13	estimate	estimate	VERB
ajfa-3023	115	14	the	the	DET
ajfa-3023	115	15	equation	equation	NOUN
ajfa-3023	115	16	(	(	PUNCT
ajfa-3023	115	17	1	1	X
ajfa-3023	115	18	)	)	PUNCT
ajfa-3023	115	19	using	use	VERB
ajfa-3023	115	20	the	the	DET
ajfa-3023	115	21	unequally	unequally	ADV
ajfa-3023	115	22	spaced	space	VERB
ajfa-3023	115	23	panel	panel	NOUN
ajfa-3023	115	24	data	datum	NOUN
ajfa-3023	115	25	where	where	SCONJ
ajfa-3023	115	26	the	the	DET
ajfa-3023	115	27	unbalance	unbalance	NOUN
ajfa-3023	115	28	is	be	AUX
ajfa-3023	115	29	due	due	ADJ
ajfa-3023	115	30	to	to	ADP
ajfa-3023	115	31	random	random	ADJ
ajfa-3023	115	32	attrition.1	attrition.1	NOUN
ajfa-3023	115	33	as	as	SCONJ
ajfa-3023	115	34	described	describe	VERB
ajfa-3023	115	35	in	in	ADP
ajfa-3023	115	36	the	the	DET
ajfa-3023	115	37	data	data	NOUN
ajfa-3023	115	38	section	section	NOUN
ajfa-3023	115	39	,	,	PUNCT
ajfa-3023	115	40	our	our	PRON
ajfa-3023	115	41	panel	panel	NOUN
ajfa-3023	115	42	is	be	AUX
ajfa-3023	115	43	unbalanced	unbalanced	ADJ
ajfa-3023	115	44	and	and	CCONJ
ajfa-3023	115	45	consists	consist	VERB
ajfa-3023	115	46	of	of	ADP
ajfa-3023	115	47	2,940	2,940	NUM
ajfa-3023	115	48	bank	bank	NOUN
ajfa-3023	115	49	-	-	PUNCT
ajfa-3023	115	50	year	year	NOUN
ajfa-3023	115	51	observations	observation	NOUN
ajfa-3023	115	52	.	.	PUNCT
ajfa-3023	116	1	3.2	3.2	NUM
ajfa-3023	116	2	.	.	PUNCT
ajfa-3023	116	3	data	datum	NOUN
ajfa-3023	116	4	and	and	CCONJ
ajfa-3023	116	5	empirical	empirical	ADJ
ajfa-3023	116	6	design	design	NOUN
ajfa-3023	116	7	in	in	ADP
ajfa-3023	116	8	examining	examine	VERB
ajfa-3023	116	9	the	the	DET
ajfa-3023	116	10	impact	impact	NOUN
ajfa-3023	116	11	of	of	ADP
ajfa-3023	116	12	deposit	deposit	NOUN
ajfa-3023	116	13	insurance	insurance	NOUN
ajfa-3023	116	14	on	on	ADP
ajfa-3023	116	15	banks	bank	NOUN
ajfa-3023	116	16	’	’	PART
ajfa-3023	116	17	risk	risk	NOUN
ajfa-3023	116	18	-	-	PUNCT
ajfa-3023	116	19	taking	taking	NOUN
ajfa-3023	116	20	,	,	PUNCT
ajfa-3023	116	21	the	the	DET
ajfa-3023	116	22	panel	panel	NOUN
ajfa-3023	116	23	data	datum	NOUN
ajfa-3023	116	24	of	of	ADP
ajfa-3023	116	25	asian	asian	ADJ
ajfa-3023	116	26	banks	bank	NOUN
ajfa-3023	116	27	are	be	AUX
ajfa-3023	116	28	used	use	VERB
ajfa-3023	116	29	.	.	PUNCT
ajfa-3023	117	1	this	this	DET
ajfa-3023	117	2	data	datum	NOUN
ajfa-3023	117	3	set	set	NOUN
ajfa-3023	117	4	contains	contain	VERB
ajfa-3023	117	5	the	the	DET
ajfa-3023	117	6	annual	annual	ADJ
ajfa-3023	117	7	information	information	NOUN
ajfa-3023	117	8	about	about	ADP
ajfa-3023	117	9	401	401	NUM
ajfa-3023	117	10	banks	bank	NOUN
ajfa-3023	117	11	from	from	ADP
ajfa-3023	117	12	2000	2000	NUM
ajfa-3023	117	13	to	to	ADP
ajfa-3023	117	14	2010	2010	NUM
ajfa-3023	117	15	.	.	PUNCT
ajfa-3023	118	1	there	there	PRON
ajfa-3023	118	2	are	be	VERB
ajfa-3023	118	3	very	very	ADV
ajfa-3023	118	4	few	few	ADJ
ajfa-3023	118	5	prior	prior	ADJ
ajfa-3023	118	6	studies	study	NOUN
ajfa-3023	118	7	that	that	PRON
ajfa-3023	118	8	solely	solely	ADV
ajfa-3023	118	9	focus	focus	VERB
ajfa-3023	118	10	on	on	ADP
ajfa-3023	118	11	asia	asia	PROPN
ajfa-3023	118	12	,	,	PUNCT
ajfa-3023	118	13	and	and	CCONJ
ajfa-3023	118	14	most	most	ADJ
ajfa-3023	118	15	of	of	ADP
ajfa-3023	118	16	those	those	DET
ajfa-3023	118	17	prior	prior	ADJ
ajfa-3023	118	18	studies	study	NOUN
ajfa-3023	118	19	analyzed	analyze	VERB
ajfa-3023	118	20	the	the	DET
ajfa-3023	118	21	data	datum	NOUN
ajfa-3023	118	22	mainly	mainly	ADV
ajfa-3023	118	23	of	of	ADP
ajfa-3023	118	24	developed	developed	ADJ
ajfa-3023	118	25	and	and	CCONJ
ajfa-3023	118	26	high	high	ADJ
ajfa-3023	118	27	income	income	NOUN
ajfa-3023	118	28	countries	country	NOUN
ajfa-3023	118	29	.	.	PUNCT
ajfa-3023	119	1	some	some	DET
ajfa-3023	119	2	important	important	ADJ
ajfa-3023	119	3	economies	economy	NOUN
ajfa-3023	119	4	,	,	PUNCT
ajfa-3023	119	5	including	include	VERB
ajfa-3023	119	6	china	china	PROPN
ajfa-3023	119	7	and	and	CCONJ
ajfa-3023	119	8	india	india	PROPN
ajfa-3023	119	9	,	,	PUNCT
ajfa-3023	119	10	are	be	AUX
ajfa-3023	119	11	left	leave	VERB
ajfa-3023	119	12	out	out	ADP
ajfa-3023	119	13	of	of	ADP
ajfa-3023	119	14	the	the	DET
ajfa-3023	119	15	research	research	NOUN
ajfa-3023	119	16	due	due	ADP
ajfa-3023	119	17	to	to	ADP
ajfa-3023	119	18	their	their	PRON
ajfa-3023	119	19	relatively	relatively	ADV
ajfa-3023	119	20	late	late	ADJ
ajfa-3023	119	21	liberalization	liberalization	NOUN
ajfa-3023	119	22	in	in	ADP
ajfa-3023	119	23	financial	financial	ADJ
ajfa-3023	119	24	markets	market	NOUN
ajfa-3023	119	25	(	(	PUNCT
ajfa-3023	119	26	e.g.	e.g.	ADV
ajfa-3023	119	27	demirgüç	demirgüç	PROPN
ajfa-3023	119	28	-	-	PUNCT
ajfa-3023	119	29	kunt	kunt	PROPN
ajfa-3023	119	30	&	&	CCONJ
ajfa-3023	119	31	detragiache	detragiache	PROPN
ajfa-3023	119	32	,	,	PUNCT
ajfa-3023	119	33	2000	2000	NUM
ajfa-3023	119	34	)	)	PUNCT
ajfa-3023	119	35	.	.	PUNCT
ajfa-3023	120	1	the	the	DET
ajfa-3023	120	2	number	number	NOUN
ajfa-3023	120	3	of	of	ADP
ajfa-3023	120	4	banks	bank	NOUN
ajfa-3023	120	5	studied	study	VERB
ajfa-3023	120	6	is	be	AUX
ajfa-3023	120	7	presented	present	VERB
ajfa-3023	120	8	in	in	ADP
ajfa-3023	120	9	table	table	NOUN
ajfa-3023	120	10	2	2	NUM
ajfa-3023	120	11	.	.	SYM
ajfa-3023	120	12	1	1	NUM
ajfa-3023	120	13	see	see	VERB
ajfa-3023	120	14	baltagi	baltagi	NOUN
ajfa-3023	120	15	and	and	CCONJ
ajfa-3023	120	16	wu	wu	PROPN
ajfa-3023	120	17	(	(	PUNCT
ajfa-3023	120	18	1999	1999	NUM
ajfa-3023	120	19	)	)	PUNCT
ajfa-3023	120	20	and	and	CCONJ
ajfa-3023	120	21	biørn	biørn	NOUN
ajfa-3023	120	22	(	(	PUNCT
ajfa-3023	120	23	2004	2004	NUM
ajfa-3023	120	24	)	)	PUNCT
ajfa-3023	120	25	for	for	ADP
ajfa-3023	120	26	details	detail	NOUN
ajfa-3023	120	27	asian	asian	ADJ
ajfa-3023	120	28	journal	journal	NOUN
ajfa-3023	120	29	of	of	ADP
ajfa-3023	120	30	finance	finance	PROPN
ajfa-3023	120	31	&	&	CCONJ
ajfa-3023	120	32	accounting	accounting	PROPN
ajfa-3023	120	33	issn	issn	PROPN
ajfa-3023	120	34	1946	1946	NUM
ajfa-3023	120	35	-	-	PUNCT
ajfa-3023	120	36	052x	052x	NOUN
ajfa-3023	120	37	2013	2013	NUM
ajfa-3023	120	38	,	,	PUNCT
ajfa-3023	120	39	vol	vol	NOUN
ajfa-3023	120	40	.	.	PROPN
ajfa-3023	120	41	5	5	NUM
ajfa-3023	120	42	,	,	PUNCT
ajfa-3023	120	43	no	no	INTJ
ajfa-3023	120	44	.	.	NOUN
ajfa-3023	120	45	1	1	NUM
ajfa-3023	120	46	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	120	47	111	111	NUM
ajfa-3023	120	48	table	table	NOUN
ajfa-3023	120	49	2	2	NUM
ajfa-3023	120	50	.	.	X
ajfa-3023	120	51	number	number	NOUN
ajfa-3023	120	52	of	of	ADP
ajfa-3023	120	53	banks	bank	NOUN
ajfa-3023	120	54	per	per	ADP
ajfa-3023	120	55	country	country	NOUN
ajfa-3023	120	56	used	use	VERB
ajfa-3023	120	57	in	in	ADP
ajfa-3023	120	58	this	this	DET
ajfa-3023	120	59	study	study	NOUN
ajfa-3023	120	60	accounting	accounting	NOUN
ajfa-3023	120	61	data	datum	NOUN
ajfa-3023	120	62	for	for	ADP
ajfa-3023	120	63	individual	individual	ADJ
ajfa-3023	120	64	banks	bank	NOUN
ajfa-3023	120	65	are	be	AUX
ajfa-3023	120	66	from	from	ADP
ajfa-3023	120	67	bankscope	bankscope	NOUN
ajfa-3023	120	68	fitch	fitch	PROPN
ajfa-3023	120	69	ibca	ibca	ADV
ajfa-3023	120	70	.	.	PUNCT
ajfa-3023	121	1	first	first	ADV
ajfa-3023	121	2	,	,	PUNCT
ajfa-3023	121	3	25	25	NUM
ajfa-3023	121	4	top	top	ADJ
ajfa-3023	121	5	banks	bank	NOUN
ajfa-3023	121	6	from	from	ADP
ajfa-3023	121	7	each	each	DET
ajfa-3023	121	8	country	country	NOUN
ajfa-3023	121	9	were	be	AUX
ajfa-3023	121	10	selected	select	VERB
ajfa-3023	121	11	based	base	VERB
ajfa-3023	121	12	on	on	ADP
ajfa-3023	121	13	total	total	ADJ
ajfa-3023	121	14	assets	asset	NOUN
ajfa-3023	121	15	size	size	NOUN
ajfa-3023	121	16	(	(	PUNCT
ajfa-3023	121	17	625	625	NUM
ajfa-3023	121	18	banks	bank	NOUN
ajfa-3023	121	19	)	)	PUNCT
ajfa-3023	121	20	.	.	PUNCT
ajfa-3023	122	1	in	in	ADP
ajfa-3023	122	2	addition	addition	NOUN
ajfa-3023	122	3	to	to	ADP
ajfa-3023	122	4	data	datum	NOUN
ajfa-3023	122	5	from	from	ADP
ajfa-3023	122	6	twenty	twenty	NUM
ajfa-3023	122	7	countries	country	NOUN
ajfa-3023	122	8	with	with	ADP
ajfa-3023	122	9	a	a	DET
ajfa-3023	122	10	deposit	deposit	NOUN
ajfa-3023	122	11	insurance	insurance	NOUN
ajfa-3023	122	12	scheme	scheme	NOUN
ajfa-3023	122	13	,	,	PUNCT
ajfa-3023	122	14	the	the	DET
ajfa-3023	122	15	data	datum	NOUN
ajfa-3023	122	16	of	of	ADP
ajfa-3023	122	17	eleven	eleven	NUM
ajfa-3023	122	18	countries	country	NOUN
ajfa-3023	122	19	with	with	ADP
ajfa-3023	122	20	no	no	DET
ajfa-3023	122	21	deposit	deposit	NOUN
ajfa-3023	122	22	insurance	insurance	NOUN
ajfa-3023	122	23	scheme	scheme	NOUN
ajfa-3023	122	24	are	be	AUX
ajfa-3023	122	25	included	include	VERB
ajfa-3023	122	26	to	to	PART
ajfa-3023	122	27	compare	compare	VERB
ajfa-3023	122	28	risk	risk	NOUN
ajfa-3023	122	29	-	-	PUNCT
ajfa-3023	122	30	taking	take	VERB
ajfa-3023	122	31	behavior	behavior	NOUN
ajfa-3023	122	32	under	under	ADP
ajfa-3023	122	33	different	different	ADJ
ajfa-3023	122	34	conditions	condition	NOUN
ajfa-3023	122	35	.	.	PUNCT
ajfa-3023	123	1	although	although	SCONJ
ajfa-3023	123	2	lao	lao	PROPN
ajfa-3023	123	3	dpr	dpr	PROPN
ajfa-3023	123	4	does	do	AUX
ajfa-3023	123	5	not	not	PART
ajfa-3023	123	6	have	have	VERB
ajfa-3023	123	7	an	an	DET
ajfa-3023	123	8	official	official	ADJ
ajfa-3023	123	9	deposit	deposit	NOUN
ajfa-3023	123	10	insurance	insurance	NOUN
ajfa-3023	123	11	system	system	NOUN
ajfa-3023	123	12	,	,	PUNCT
ajfa-3023	123	13	the	the	DET
ajfa-3023	123	14	iadi	iadi	NOUN
ajfa-3023	123	15	includes	include	VERB
ajfa-3023	123	16	it	it	PRON
ajfa-3023	123	17	in	in	ADP
ajfa-3023	123	18	the	the	DET
ajfa-3023	123	19	list	list	NOUN
ajfa-3023	123	20	of	of	ADP
ajfa-3023	123	21	the	the	DET
ajfa-3023	123	22	countries	country	NOUN
ajfa-3023	123	23	with	with	ADP
ajfa-3023	123	24	effective	effective	ADJ
ajfa-3023	123	25	deposit	deposit	NOUN
ajfa-3023	123	26	protection	protection	NOUN
ajfa-3023	123	27	systems	system	NOUN
ajfa-3023	123	28	worldwide	worldwide	ADV
ajfa-3023	123	29	,	,	PUNCT
ajfa-3023	123	30	and	and	CCONJ
ajfa-3023	123	31	thus	thus	ADV
ajfa-3023	123	32	laos	laos	PROPN
ajfa-3023	123	33	is	be	AUX
ajfa-3023	123	34	included	include	VERB
ajfa-3023	123	35	in	in	ADP
ajfa-3023	123	36	the	the	DET
ajfa-3023	123	37	eleven	eleven	NUM
ajfa-3023	123	38	countries	country	NOUN
ajfa-3023	123	39	in	in	ADP
ajfa-3023	123	40	this	this	DET
ajfa-3023	123	41	study	study	NOUN
ajfa-3023	123	42	.	.	PUNCT
ajfa-3023	124	1	the	the	DET
ajfa-3023	124	2	number	number	NOUN
ajfa-3023	124	3	of	of	ADP
ajfa-3023	124	4	banks	bank	NOUN
ajfa-3023	124	5	available	available	ADJ
ajfa-3023	124	6	in	in	ADP
ajfa-3023	124	7	the	the	DET
ajfa-3023	124	8	bankscope	bankscope	NOUN
ajfa-3023	124	9	database	database	NOUN
ajfa-3023	124	10	varies	vary	VERB
ajfa-3023	124	11	.	.	PUNCT
ajfa-3023	125	1	for	for	ADP
ajfa-3023	125	2	kyrgyzstan	kyrgyzstan	PROPN
ajfa-3023	125	3	,	,	PUNCT
ajfa-3023	125	4	laos	laos	PROPN
ajfa-3023	125	5	,	,	PUNCT
ajfa-3023	125	6	oman	oman	NOUN
ajfa-3023	125	7	,	,	PUNCT
ajfa-3023	125	8	sri	sri	PROPN
ajfa-3023	125	9	-	-	PUNCT
ajfa-3023	125	10	lanka	lanka	PROPN
ajfa-3023	125	11	,	,	PUNCT
ajfa-3023	125	12	tajikistan	tajikistan	PROPN
ajfa-3023	125	13	,	,	PUNCT
ajfa-3023	125	14	uzbekistan	uzbekistan	PROPN
ajfa-3023	125	15	,	,	PUNCT
ajfa-3023	125	16	yemen	yemen	PROPN
ajfa-3023	125	17	,	,	PUNCT
ajfa-3023	125	18	iran	iran	PROPN
ajfa-3023	125	19	,	,	PUNCT
ajfa-3023	125	20	syria	syria	PROPN
ajfa-3023	125	21	,	,	PUNCT
ajfa-3023	125	22	saudi	saudi	PROPN
ajfa-3023	125	23	arabia	arabia	PROPN
ajfa-3023	125	24	,	,	PUNCT
ajfa-3023	125	25	qatar	qatar	PROPN
ajfa-3023	125	26	,	,	PUNCT
ajfa-3023	125	27	maldives	maldives	PROPN
ajfa-3023	125	28	and	and	CCONJ
ajfa-3023	125	29	cambodia	cambodia	PROPN
ajfa-3023	125	30	,	,	PUNCT
ajfa-3023	125	31	each	each	DET
ajfa-3023	125	32	individual	individual	ADJ
ajfa-3023	125	33	sample	sample	NOUN
ajfa-3023	125	34	contains	contain	VERB
ajfa-3023	125	35	less	less	ADJ
ajfa-3023	125	36	than	than	ADP
ajfa-3023	125	37	25	25	NUM
ajfa-3023	125	38	banks	bank	NOUN
ajfa-3023	125	39	in	in	ADP
ajfa-3023	125	40	the	the	DET
ajfa-3023	125	41	bankscope	bankscope	NOUN
ajfa-3023	125	42	database	database	NOUN
ajfa-3023	125	43	.	.	PUNCT
ajfa-3023	126	1	the	the	DET
ajfa-3023	126	2	data	datum	NOUN
ajfa-3023	126	3	used	use	VERB
ajfa-3023	126	4	for	for	ADP
ajfa-3023	126	5	commercial	commercial	ADJ
ajfa-3023	126	6	banks	bank	NOUN
ajfa-3023	126	7	of	of	ADP
ajfa-3023	126	8	mongolia	mongolia	PROPN
ajfa-3023	126	9	in	in	ADP
ajfa-3023	126	10	this	this	DET
ajfa-3023	126	11	study	study	NOUN
ajfa-3023	126	12	were	be	AUX
ajfa-3023	126	13	obtained	obtain	VERB
ajfa-3023	126	14	from	from	ADP
ajfa-3023	126	15	the	the	DET
ajfa-3023	126	16	bank	bank	NOUN
ajfa-3023	126	17	of	of	ADP
ajfa-3023	126	18	mongolia	mongolia	PROPN
ajfa-3023	126	19	.	.	PUNCT
ajfa-3023	127	1	countries	country	NOUN
ajfa-3023	127	2	number	number	NOUN
ajfa-3023	127	3	of	of	ADP
ajfa-3023	127	4	banks	bank	NOUN
ajfa-3023	127	5	the	the	DET
ajfa-3023	127	6	year	year	NOUN
ajfa-3023	127	7	deposit	deposit	NOUN
ajfa-3023	127	8	insurance	insurance	NOUN
ajfa-3023	127	9	was	be	AUX
ajfa-3023	127	10	introduced	introduce	VERB
ajfa-3023	127	11	/	/	SYM
ajfa-3023	127	12	revised	revise	VERB
ajfa-3023	127	13	coverage	coverage	NOUN
ajfa-3023	127	14	bangladesh	bangladesh	NOUN
ajfa-3023	127	15	19	19	NUM
ajfa-3023	127	16	1984	1984	NUM
ajfa-3023	127	17	bdt	bdt	PROPN
ajfa-3023	127	18	100,000	100,000	NUM
ajfa-3023	127	19	cambodia	cambodia	PROPN
ajfa-3023	127	20	14	14	NUM
ajfa-3023	127	21	china	china	PROPN
ajfa-3023	127	22	15	15	NUM
ajfa-3023	127	23	hong	hong	PROPN
ajfa-3023	127	24	kong	kong	PROPN
ajfa-3023	127	25	16	16	NUM
ajfa-3023	127	26	2006	2006	NUM
ajfa-3023	127	27	hkd	hkd	PROPN
ajfa-3023	127	28	100,000	100,000	NUM
ajfa-3023	127	29	india	india	PROPN
ajfa-3023	127	30	5	5	NUM
ajfa-3023	127	31	1962	1962	NUM
ajfa-3023	127	32	inr	inr	PROPN
ajfa-3023	127	33	100,000	100,000	NUM
ajfa-3023	127	34	indonesia	indonesia	PROPN
ajfa-3023	127	35	19	19	NUM
ajfa-3023	127	36	2005/2008	2005/2008	NUM
ajfa-3023	127	37	idr	idr	PROPN
ajfa-3023	127	38	2,000,000,000	2,000,000,000	NUM
ajfa-3023	127	39	iran	iran	PROPN
ajfa-3023	127	40	13	13	NUM
ajfa-3023	127	41	japan	japan	PROPN
ajfa-3023	127	42	10	10	NUM
ajfa-3023	127	43	1971	1971	NUM
ajfa-3023	127	44	jpy	jpy	PROPN
ajfa-3023	127	45	10,000,000	10,000,000	NUM
ajfa-3023	127	46	kazakhstan	kazakhstan	PROPN
ajfa-3023	127	47	18	18	NUM
ajfa-3023	127	48	1999/2003	1999/2003	NUM
ajfa-3023	127	49	kzt	kzt	PROPN
ajfa-3023	127	50	5,000,000	5,000,000	NUM
ajfa-3023	127	51	korea	korea	PROPN
ajfa-3023	127	52	,	,	PUNCT
ajfa-3023	127	53	republic	republic	NOUN
ajfa-3023	127	54	of	of	ADP
ajfa-3023	127	55	11	11	NUM
ajfa-3023	127	56	1996	1996	NUM
ajfa-3023	127	57	krw	krw	PROPN
ajfa-3023	127	58	50,000,000	50,000,000	NUM
ajfa-3023	127	59	kyrgyzstan	kyrgyzstan	PROPN
ajfa-3023	127	60	6	6	NUM
ajfa-3023	127	61	2008	2008	NUM
ajfa-3023	127	62	full	full	ADJ
ajfa-3023	127	63	laos	laos	PROPN
ajfa-3023	127	64	5	5	NUM
ajfa-3023	127	65	full	full	ADJ
ajfa-3023	127	66	malaysia	malaysia	PROPN
ajfa-3023	127	67	15	15	NUM
ajfa-3023	127	68	2005	2005	NUM
ajfa-3023	127	69	myr	myr	NOUN
ajfa-3023	127	70	60,000	60,000	NUM
ajfa-3023	127	71	maldives	maldives	PROPN
ajfa-3023	127	72	1	1	NUM
ajfa-3023	127	73	mongolia	mongolia	PROPN
ajfa-3023	127	74	15	15	NUM
ajfa-3023	127	75	full	full	ADJ
ajfa-3023	127	76	nepal	nepal	ADJ
ajfa-3023	127	77	21	21	NUM
ajfa-3023	127	78	oman	oman	NOUN
ajfa-3023	127	79	5	5	NUM
ajfa-3023	127	80	1995	1995	NUM
ajfa-3023	127	81	omr	omr	NOUN
ajfa-3023	127	82	20,000	20,000	NUM
ajfa-3023	127	83	pakistan	pakistan	PROPN
ajfa-3023	127	84	21	21	NUM
ajfa-3023	127	85	qatar	qatar	PROPN
ajfa-3023	127	86	11	11	NUM
ajfa-3023	127	87	saudi	saudi	PROPN
ajfa-3023	127	88	arabia	arabia	PROPN
ajfa-3023	127	89	11	11	NUM
ajfa-3023	127	90	singapore	singapore	PROPN
ajfa-3023	127	91	11	11	NUM
ajfa-3023	127	92	2005	2005	NUM
ajfa-3023	127	93	sgd	sgd	PROPN
ajfa-3023	127	94	20,000	20,000	NUM
ajfa-3023	127	95	sri	sri	PROPN
ajfa-3023	127	96	-	-	PUNCT
ajfa-3023	127	97	lanka	lanka	PROPN
ajfa-3023	127	98	12	12	NUM
ajfa-3023	127	99	1987	1987	NUM
ajfa-3023	127	100	lkr	lkr	VERB
ajfa-3023	127	101	100,000	100,000	NUM
ajfa-3023	127	102	syria	syria	PROPN
ajfa-3023	127	103	13	13	NUM
ajfa-3023	127	104	taiwan	taiwan	PROPN
ajfa-3023	127	105	12	12	NUM
ajfa-3023	127	106	1985	1985	NUM
ajfa-3023	127	107	twd	twd	NOUN
ajfa-3023	127	108	1,000,000	1,000,000	NUM
ajfa-3023	127	109	tajikistan	tajikistan	NOUN
ajfa-3023	127	110	4	4	NUM
ajfa-3023	127	111	2003	2003	NUM
ajfa-3023	127	112	full	full	ADJ
ajfa-3023	127	113	thailand	thailand	PROPN
ajfa-3023	127	114	16	16	NUM
ajfa-3023	127	115	1997	1997	NUM
ajfa-3023	127	116	full	full	ADJ
ajfa-3023	127	117	the	the	DET
ajfa-3023	127	118	philippines	philippine	NOUN
ajfa-3023	127	119	18	18	NUM
ajfa-3023	127	120	1963	1963	NUM
ajfa-3023	127	121	php	php	NOUN
ajfa-3023	127	122	500,000	500,000	NUM
ajfa-3023	127	123	united	united	PROPN
ajfa-3023	127	124	arab	arab	PROPN
ajfa-3023	127	125	emirates	emirates	PROPN
ajfa-3023	127	126	22	22	NUM
ajfa-3023	127	127	uzbekistan	uzbekistan	PROPN
ajfa-3023	127	128	14	14	NUM
ajfa-3023	127	129	2007	2007	NUM
ajfa-3023	127	130	uzs	uzs	PROPN
ajfa-3023	127	131	1,552,500	1,552,500	NUM
ajfa-3023	127	132	vietnam	vietnam	PROPN
ajfa-3023	127	133	19	19	NUM
ajfa-3023	127	134	1999/2000	1999/2000	NUM
ajfa-3023	127	135	vnd	vnd	PROPN
ajfa-3023	127	136	30,000,000	30,000,000	NUM
ajfa-3023	127	137	yemen	yemen	PROPN
ajfa-3023	127	138	9	9	NUM
ajfa-3023	127	139	2008	2008	NUM
ajfa-3023	127	140	yer	yer	NOUN
ajfa-3023	127	141	2,000,000	2,000,000	NUM
ajfa-3023	127	142	total	total	NOUN
ajfa-3023	127	143	401	401	NUM
ajfa-3023	127	144	note	note	NOUN
ajfa-3023	127	145	:	:	PUNCT
ajfa-3023	127	146	the	the	DET
ajfa-3023	127	147	data	datum	NOUN
ajfa-3023	127	148	are	be	AUX
ajfa-3023	127	149	from	from	ADP
ajfa-3023	127	150	the	the	DET
ajfa-3023	127	151	iadi	iadi	ADJ
ajfa-3023	127	152	database	database	NOUN
ajfa-3023	127	153	and	and	CCONJ
ajfa-3023	127	154	the	the	DET
ajfa-3023	127	155	worldwide	worldwide	ADJ
ajfa-3023	127	156	deposit	deposit	NOUN
ajfa-3023	127	157	insurance	insurance	NOUN
ajfa-3023	127	158	database	database	NOUN
ajfa-3023	127	159	(	(	PUNCT
ajfa-3023	127	160	demirgüç	demirgüç	PROPN
ajfa-3023	127	161	-	-	PUNCT
ajfa-3023	127	162	kunt	kunt	PROPN
ajfa-3023	127	163	et	et	PROPN
ajfa-3023	127	164	al	al	PROPN
ajfa-3023	127	165	.	.	PROPN
ajfa-3023	127	166	,	,	PUNCT
ajfa-3023	127	167	2005	2005	NUM
ajfa-3023	127	168	)	)	PUNCT
ajfa-3023	127	169	asian	asian	ADJ
ajfa-3023	127	170	journal	journal	NOUN
ajfa-3023	127	171	of	of	ADP
ajfa-3023	127	172	finance	finance	PROPN
ajfa-3023	127	173	&	&	CCONJ
ajfa-3023	127	174	accounting	accounting	PROPN
ajfa-3023	127	175	issn	issn	PROPN
ajfa-3023	127	176	1946	1946	NUM
ajfa-3023	127	177	-	-	PUNCT
ajfa-3023	127	178	052x	052x	NOUN
ajfa-3023	127	179	2013	2013	NUM
ajfa-3023	127	180	,	,	PUNCT
ajfa-3023	127	181	vol	vol	NOUN
ajfa-3023	127	182	.	.	PROPN
ajfa-3023	127	183	5	5	NUM
ajfa-3023	127	184	,	,	PUNCT
ajfa-3023	127	185	no	no	INTJ
ajfa-3023	127	186	.	.	NOUN
ajfa-3023	127	187	1	1	NUM
ajfa-3023	127	188	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	127	189	112	112	NUM
ajfa-3023	127	190	central	central	ADJ
ajfa-3023	127	191	banks	bank	NOUN
ajfa-3023	127	192	,	,	PUNCT
ajfa-3023	127	193	governmental	governmental	ADJ
ajfa-3023	127	194	financial	financial	ADJ
ajfa-3023	127	195	institutions	institution	NOUN
ajfa-3023	127	196	,	,	PUNCT
ajfa-3023	127	197	development	development	NOUN
ajfa-3023	127	198	banks	bank	NOUN
ajfa-3023	127	199	,	,	PUNCT
ajfa-3023	127	200	micro	micro	ADJ
ajfa-3023	127	201	-	-	ADJ
ajfa-3023	127	202	finance	finance	ADJ
ajfa-3023	127	203	institutions	institution	NOUN
ajfa-3023	127	204	and	and	CCONJ
ajfa-3023	127	205	investment	investment	NOUN
ajfa-3023	127	206	banks	bank	NOUN
ajfa-3023	127	207	were	be	AUX
ajfa-3023	127	208	excluded	exclude	VERB
ajfa-3023	127	209	from	from	ADP
ajfa-3023	127	210	the	the	DET
ajfa-3023	127	211	sample	sample	NOUN
ajfa-3023	127	212	due	due	ADP
ajfa-3023	127	213	to	to	ADP
ajfa-3023	127	214	their	their	PRON
ajfa-3023	127	215	differing	differ	VERB
ajfa-3023	127	216	nature	nature	NOUN
ajfa-3023	127	217	of	of	ADP
ajfa-3023	127	218	business	business	NOUN
ajfa-3023	127	219	and	and	CCONJ
ajfa-3023	127	220	risk	risk	NOUN
ajfa-3023	127	221	-	-	PUNCT
ajfa-3023	127	222	taking	take	VERB
ajfa-3023	127	223	behavior	behavior	NOUN
ajfa-3023	127	224	.	.	PUNCT
ajfa-3023	128	1	all	all	DET
ajfa-3023	128	2	accounting	accounting	NOUN
ajfa-3023	128	3	data	datum	NOUN
ajfa-3023	128	4	are	be	AUX
ajfa-3023	128	5	converted	convert	VERB
ajfa-3023	128	6	from	from	ADP
ajfa-3023	128	7	local	local	ADJ
ajfa-3023	128	8	currency	currency	NOUN
ajfa-3023	128	9	to	to	ADP
ajfa-3023	128	10	u.s	u.s	PROPN
ajfa-3023	128	11	.	.	PROPN
ajfa-3023	128	12	dollars	dollar	NOUN
ajfa-3023	128	13	.	.	PUNCT
ajfa-3023	129	1	banks	bank	NOUN
ajfa-3023	129	2	with	with	ADP
ajfa-3023	129	3	available	available	ADJ
ajfa-3023	129	4	time	time	NOUN
ajfa-3023	129	5	series	series	NOUN
ajfa-3023	129	6	less	less	ADJ
ajfa-3023	129	7	than	than	ADP
ajfa-3023	129	8	two	two	NUM
ajfa-3023	129	9	consecutive	consecutive	ADJ
ajfa-3023	129	10	years	year	NOUN
ajfa-3023	129	11	and	and	CCONJ
ajfa-3023	129	12	turkmenistan	turkmenistan	PROPN
ajfa-3023	129	13	and	and	CCONJ
ajfa-3023	129	14	myanmar	myanmar	PROPN
ajfa-3023	129	15	,	,	PUNCT
ajfa-3023	129	16	where	where	SCONJ
ajfa-3023	129	17	only	only	ADV
ajfa-3023	129	18	state	state	NOUN
ajfa-3023	129	19	-	-	PUNCT
ajfa-3023	129	20	owned	own	VERB
ajfa-3023	129	21	bank	bank	NOUN
ajfa-3023	129	22	data	datum	NOUN
ajfa-3023	129	23	were	be	AUX
ajfa-3023	129	24	available	available	ADJ
ajfa-3023	129	25	,	,	PUNCT
ajfa-3023	129	26	were	be	AUX
ajfa-3023	129	27	eliminated	eliminate	VERB
ajfa-3023	129	28	in	in	ADP
ajfa-3023	129	29	this	this	DET
ajfa-3023	129	30	study	study	NOUN
ajfa-3023	129	31	.	.	PUNCT
ajfa-3023	130	1	hence	hence	ADV
ajfa-3023	130	2	,	,	PUNCT
ajfa-3023	130	3	our	our	PRON
ajfa-3023	130	4	final	final	ADJ
ajfa-3023	130	5	sample	sample	NOUN
ajfa-3023	130	6	consists	consist	VERB
ajfa-3023	130	7	of	of	ADP
ajfa-3023	130	8	an	an	DET
ajfa-3023	130	9	unbalanced	unbalanced	ADJ
ajfa-3023	130	10	panel	panel	NOUN
ajfa-3023	130	11	containing	contain	VERB
ajfa-3023	130	12	401	401	NUM
ajfa-3023	130	13	banks	bank	NOUN
ajfa-3023	130	14	from	from	ADP
ajfa-3023	130	15	31	31	NUM
ajfa-3023	130	16	countries	country	NOUN
ajfa-3023	130	17	in	in	ADP
ajfa-3023	130	18	asia	asia	PROPN
ajfa-3023	130	19	,	,	PUNCT
ajfa-3023	130	20	comprising	comprise	VERB
ajfa-3023	130	21	2,940	2,940	NUM
ajfa-3023	130	22	observations	observation	NOUN
ajfa-3023	130	23	and	and	CCONJ
ajfa-3023	130	24	spanning	span	VERB
ajfa-3023	130	25	eleven	eleven	NUM
ajfa-3023	130	26	years	year	NOUN
ajfa-3023	130	27	,	,	PUNCT
ajfa-3023	130	28	as	as	SCONJ
ajfa-3023	130	29	presented	present	VERB
ajfa-3023	130	30	in	in	ADP
ajfa-3023	130	31	table	table	NOUN
ajfa-3023	130	32	2.2	2.2	NUM
ajfa-3023	130	33	in	in	ADP
ajfa-3023	130	34	addition	addition	NOUN
ajfa-3023	130	35	,	,	PUNCT
ajfa-3023	130	36	we	we	PRON
ajfa-3023	130	37	used	use	VERB
ajfa-3023	130	38	the	the	DET
ajfa-3023	130	39	macroeconomic	macroeconomic	ADJ
ajfa-3023	130	40	and	and	CCONJ
ajfa-3023	130	41	country	country	NOUN
ajfa-3023	130	42	-	-	PUNCT
ajfa-3023	130	43	specific	specific	ADJ
ajfa-3023	130	44	variables	variable	NOUN
ajfa-3023	130	45	that	that	PRON
ajfa-3023	130	46	might	might	AUX
ajfa-3023	130	47	affect	affect	VERB
ajfa-3023	130	48	bank	bank	NOUN
ajfa-3023	130	49	risk	risk	NOUN
ajfa-3023	130	50	.	.	PUNCT
ajfa-3023	131	1	we	we	PRON
ajfa-3023	131	2	retrieve	retrieve	VERB
ajfa-3023	131	3	the	the	DET
ajfa-3023	131	4	information	information	NOUN
ajfa-3023	131	5	about	about	ADP
ajfa-3023	131	6	deposit	deposit	NOUN
ajfa-3023	131	7	insurance	insurance	NOUN
ajfa-3023	131	8	across	across	ADP
ajfa-3023	131	9	countries	country	NOUN
ajfa-3023	131	10	from	from	ADP
ajfa-3023	131	11	the	the	DET
ajfa-3023	131	12	world	world	NOUN
ajfa-3023	131	13	bank	bank	PROPN
ajfa-3023	131	14	deposit	deposit	NOUN
ajfa-3023	131	15	insurance	insurance	NOUN
ajfa-3023	131	16	database	database	NOUN
ajfa-3023	131	17	developed	develop	VERB
ajfa-3023	131	18	by	by	ADP
ajfa-3023	131	19	demirguc	demirguc	PROPN
ajfa-3023	131	20	-	-	PUNCT
ajfa-3023	131	21	kunt	kunt	PROPN
ajfa-3023	131	22	et	et	PROPN
ajfa-3023	131	23	al	al	PROPN
ajfa-3023	131	24	.	.	PROPN
ajfa-3023	132	1	(	(	PUNCT
ajfa-3023	132	2	2005	2005	NUM
ajfa-3023	132	3	)	)	PUNCT
ajfa-3023	132	4	and	and	CCONJ
ajfa-3023	132	5	the	the	DET
ajfa-3023	132	6	website	website	NOUN
ajfa-3023	132	7	of	of	ADP
ajfa-3023	132	8	the	the	DET
ajfa-3023	132	9	iadi	iadi	NOUN
ajfa-3023	132	10	.	.	PUNCT
ajfa-3023	133	1	due	due	ADP
ajfa-3023	133	2	to	to	ADP
ajfa-3023	133	3	incompleteness	incompleteness	NOUN
ajfa-3023	133	4	and	and	CCONJ
ajfa-3023	133	5	the	the	DET
ajfa-3023	133	6	limitation	limitation	NOUN
ajfa-3023	133	7	of	of	ADP
ajfa-3023	133	8	data	datum	NOUN
ajfa-3023	133	9	availability	availability	NOUN
ajfa-3023	133	10	in	in	ADP
ajfa-3023	133	11	the	the	DET
ajfa-3023	133	12	bankscope	bankscope	NOUN
ajfa-3023	133	13	database	database	NOUN
ajfa-3023	133	14	,	,	PUNCT
ajfa-3023	133	15	we	we	PRON
ajfa-3023	133	16	avoid	avoid	VERB
ajfa-3023	133	17	using	use	VERB
ajfa-3023	133	18	the	the	DET
ajfa-3023	133	19	ownership	ownership	NOUN
ajfa-3023	133	20	data	datum	NOUN
ajfa-3023	133	21	of	of	ADP
ajfa-3023	133	22	banks	bank	NOUN
ajfa-3023	133	23	in	in	ADP
ajfa-3023	133	24	this	this	DET
ajfa-3023	133	25	study	study	NOUN
ajfa-3023	133	26	.	.	PUNCT
ajfa-3023	134	1	however	however	ADV
ajfa-3023	134	2	,	,	PUNCT
ajfa-3023	134	3	the	the	DET
ajfa-3023	134	4	previous	previous	ADJ
ajfa-3023	134	5	research	research	NOUN
ajfa-3023	134	6	finds	find	VERB
ajfa-3023	134	7	that	that	SCONJ
ajfa-3023	134	8	corporate	corporate	ADJ
ajfa-3023	134	9	governance	governance	NOUN
ajfa-3023	134	10	and	and	CCONJ
ajfa-3023	134	11	ownership	ownership	NOUN
ajfa-3023	134	12	structure	structure	NOUN
ajfa-3023	134	13	have	have	VERB
ajfa-3023	134	14	an	an	DET
ajfa-3023	134	15	impact	impact	NOUN
ajfa-3023	134	16	on	on	ADP
ajfa-3023	134	17	bank	bank	NOUN
ajfa-3023	134	18	risk	risk	NOUN
ajfa-3023	134	19	-	-	PUNCT
ajfa-3023	134	20	taking	taking	NOUN
ajfa-3023	134	21	,	,	PUNCT
ajfa-3023	134	22	and	and	CCONJ
ajfa-3023	134	23	familyor	familyor	ADJ
ajfa-3023	134	24	company	company	NOUN
ajfa-3023	134	25	-	-	PUNCT
ajfa-3023	134	26	owned	own	VERB
ajfa-3023	134	27	banks	bank	NOUN
ajfa-3023	134	28	were	be	AUX
ajfa-3023	134	29	more	more	ADV
ajfa-3023	134	30	apt	apt	ADJ
ajfa-3023	134	31	to	to	PART
ajfa-3023	134	32	take	take	VERB
ajfa-3023	134	33	higher	high	ADJ
ajfa-3023	134	34	risk	risk	NOUN
ajfa-3023	134	35	while	while	SCONJ
ajfa-3023	134	36	foreign	foreign	ADJ
ajfa-3023	134	37	-	-	PUNCT
ajfa-3023	134	38	owned	own	VERB
ajfa-3023	134	39	bank	bank	NOUN
ajfa-3023	134	40	took	take	VERB
ajfa-3023	134	41	less	less	ADJ
ajfa-3023	134	42	risk	risk	NOUN
ajfa-3023	134	43	during	during	ADP
ajfa-3023	134	44	the	the	DET
ajfa-3023	134	45	1997	1997	NUM
ajfa-3023	134	46	east	east	NOUN
ajfa-3023	134	47	asian	asian	ADJ
ajfa-3023	134	48	crisis	crisis	NOUN
ajfa-3023	134	49	(	(	PUNCT
ajfa-3023	134	50	laeven	laeven	ADJ
ajfa-3023	134	51	,	,	PUNCT
ajfa-3023	134	52	1999	1999	NUM
ajfa-3023	134	53	)	)	PUNCT
ajfa-3023	134	54	.	.	PUNCT
ajfa-3023	135	1	the	the	DET
ajfa-3023	135	2	data	datum	NOUN
ajfa-3023	135	3	on	on	ADP
ajfa-3023	135	4	a	a	DET
ajfa-3023	135	5	number	number	NOUN
ajfa-3023	135	6	of	of	ADP
ajfa-3023	135	7	country	country	NOUN
ajfa-3023	135	8	-	-	PUNCT
ajfa-3023	135	9	specific	specific	ADJ
ajfa-3023	135	10	variables	variable	NOUN
ajfa-3023	135	11	,	,	PUNCT
ajfa-3023	135	12	associated	associate	VERB
ajfa-3023	135	13	with	with	ADP
ajfa-3023	135	14	legal	legal	ADJ
ajfa-3023	135	15	systems	system	NOUN
ajfa-3023	135	16	,	,	PUNCT
ajfa-3023	135	17	are	be	AUX
ajfa-3023	135	18	collected	collect	VERB
ajfa-3023	135	19	from	from	ADP
ajfa-3023	135	20	the	the	DET
ajfa-3023	135	21	world	world	NOUN
ajfa-3023	135	22	bank	bank	NOUN
ajfa-3023	135	23	governance	governance	NOUN
ajfa-3023	135	24	indicators	indicator	NOUN
ajfa-3023	135	25	(	(	PUNCT
ajfa-3023	135	26	kaufmann	kaufmann	PROPN
ajfa-3023	135	27	et	et	PROPN
ajfa-3023	135	28	al	al	PROPN
ajfa-3023	135	29	.	.	PROPN
ajfa-3023	135	30	,	,	PUNCT
ajfa-3023	135	31	2010	2010	NUM
ajfa-3023	135	32	)	)	PUNCT
ajfa-3023	135	33	.	.	PUNCT
ajfa-3023	136	1	a	a	DET
ajfa-3023	136	2	detailed	detailed	ADJ
ajfa-3023	136	3	discussion	discussion	NOUN
ajfa-3023	136	4	of	of	ADP
ajfa-3023	136	5	our	our	PRON
ajfa-3023	136	6	dependent	dependent	ADJ
ajfa-3023	136	7	and	and	CCONJ
ajfa-3023	136	8	independent	independent	ADJ
ajfa-3023	136	9	variables	variable	NOUN
ajfa-3023	136	10	are	be	AUX
ajfa-3023	136	11	as	as	SCONJ
ajfa-3023	136	12	follows	follow	VERB
ajfa-3023	136	13	:	:	PUNCT
ajfa-3023	136	14	risk	risk	NOUN
ajfa-3023	136	15	variables	variable	NOUN
ajfa-3023	136	16	:	:	PUNCT
ajfa-3023	136	17	this	this	DET
ajfa-3023	136	18	study	study	NOUN
ajfa-3023	136	19	particularly	particularly	ADV
ajfa-3023	136	20	focuses	focus	VERB
ajfa-3023	136	21	on	on	ADP
ajfa-3023	136	22	the	the	DET
ajfa-3023	136	23	effect	effect	NOUN
ajfa-3023	136	24	of	of	ADP
ajfa-3023	136	25	deposit	deposit	NOUN
ajfa-3023	136	26	insurance	insurance	NOUN
ajfa-3023	136	27	on	on	ADP
ajfa-3023	136	28	bank	bank	NOUN
ajfa-3023	136	29	risk	risk	NOUN
ajfa-3023	136	30	-	-	PUNCT
ajfa-3023	136	31	taking	take	VERB
ajfa-3023	136	32	incentives	incentive	NOUN
ajfa-3023	136	33	.	.	PUNCT
ajfa-3023	137	1	the	the	DET
ajfa-3023	137	2	dependent	dependent	ADJ
ajfa-3023	137	3	variables	variable	NOUN
ajfa-3023	137	4	are	be	AUX
ajfa-3023	137	5	proxies	proxy	NOUN
ajfa-3023	137	6	to	to	PART
ajfa-3023	137	7	bank	bank	VERB
ajfa-3023	137	8	risks	risk	NOUN
ajfa-3023	137	9	–	–	PUNCT
ajfa-3023	137	10	overall	overall	ADJ
ajfa-3023	137	11	default	default	NOUN
ajfa-3023	137	12	risk	risk	NOUN
ajfa-3023	137	13	,	,	PUNCT
ajfa-3023	137	14	credit	credit	NOUN
ajfa-3023	137	15	risk	risk	NOUN
ajfa-3023	137	16	and	and	CCONJ
ajfa-3023	137	17	liquidity	liquidity	NOUN
ajfa-3023	137	18	risk	risk	NOUN
ajfa-3023	137	19	.	.	PUNCT
ajfa-3023	138	1	most	most	ADJ
ajfa-3023	138	2	of	of	ADP
ajfa-3023	138	3	deposit	deposit	NOUN
ajfa-3023	138	4	-	-	PUNCT
ajfa-3023	138	5	taking	take	VERB
ajfa-3023	138	6	banks	bank	NOUN
ajfa-3023	138	7	in	in	ADP
ajfa-3023	138	8	asia	asia	PROPN
ajfa-3023	138	9	are	be	AUX
ajfa-3023	138	10	privately	privately	ADV
ajfa-3023	138	11	-	-	PUNCT
ajfa-3023	138	12	held	hold	VERB
ajfa-3023	138	13	and	and	CCONJ
ajfa-3023	138	14	for	for	ADP
ajfa-3023	138	15	those	those	DET
ajfa-3023	138	16	publicly	publicly	ADV
ajfa-3023	138	17	listed	list	VERB
ajfa-3023	138	18	banks	bank	NOUN
ajfa-3023	138	19	,	,	PUNCT
ajfa-3023	138	20	the	the	DET
ajfa-3023	138	21	historical	historical	ADJ
ajfa-3023	138	22	daily	daily	ADJ
ajfa-3023	138	23	stock	stock	NOUN
ajfa-3023	138	24	price	price	NOUN
ajfa-3023	138	25	in	in	ADP
ajfa-3023	138	26	the	the	DET
ajfa-3023	138	27	bankscope	bankscope	NOUN
ajfa-3023	138	28	database	database	NOUN
ajfa-3023	138	29	covers	cover	VERB
ajfa-3023	138	30	a	a	DET
ajfa-3023	138	31	period	period	NOUN
ajfa-3023	138	32	of	of	ADP
ajfa-3023	138	33	less	less	ADJ
ajfa-3023	138	34	than	than	ADP
ajfa-3023	138	35	three	three	NUM
ajfa-3023	138	36	years	year	NOUN
ajfa-3023	138	37	.	.	PUNCT
ajfa-3023	139	1	therefore	therefore	ADV
ajfa-3023	139	2	,	,	PUNCT
ajfa-3023	139	3	we	we	PRON
ajfa-3023	139	4	did	do	AUX
ajfa-3023	139	5	not	not	PART
ajfa-3023	139	6	use	use	VERB
ajfa-3023	139	7	the	the	DET
ajfa-3023	139	8	deposit	deposit	NOUN
ajfa-3023	139	9	insurance	insurance	NOUN
ajfa-3023	139	10	premium	premium	NOUN
ajfa-3023	139	11	which	which	PRON
ajfa-3023	139	12	is	be	AUX
ajfa-3023	139	13	derived	derive	VERB
ajfa-3023	139	14	from	from	ADP
ajfa-3023	139	15	the	the	DET
ajfa-3023	139	16	option	option	NOUN
ajfa-3023	139	17	pricing	pricing	NOUN
ajfa-3023	139	18	model	model	NOUN
ajfa-3023	139	19	and	and	CCONJ
ajfa-3023	139	20	indicators	indicator	NOUN
ajfa-3023	139	21	of	of	ADP
ajfa-3023	139	22	systematic	systematic	ADJ
ajfa-3023	139	23	and	and	CCONJ
ajfa-3023	139	24	unsystematic	unsystematic	ADJ
ajfa-3023	139	25	bank	bank	NOUN
ajfa-3023	139	26	risks	risk	NOUN
ajfa-3023	139	27	,	,	PUNCT
ajfa-3023	139	28	calculated	calculate	VERB
ajfa-3023	139	29	from	from	ADP
ajfa-3023	139	30	asset	asset	NOUN
ajfa-3023	139	31	pricing	pricing	NOUN
ajfa-3023	139	32	models	model	NOUN
ajfa-3023	139	33	.	.	PUNCT
ajfa-3023	140	1	instead	instead	ADV
ajfa-3023	140	2	,	,	PUNCT
ajfa-3023	140	3	a	a	DET
ajfa-3023	140	4	standard	standard	ADJ
ajfa-3023	140	5	z	z	NOUN
ajfa-3023	140	6	-	-	PUNCT
ajfa-3023	140	7	score	score	NOUN
ajfa-3023	140	8	was	be	AUX
ajfa-3023	140	9	used	use	VERB
ajfa-3023	140	10	as	as	ADP
ajfa-3023	140	11	a	a	DET
ajfa-3023	140	12	proxy	proxy	NOUN
ajfa-3023	140	13	for	for	ADP
ajfa-3023	140	14	the	the	DET
ajfa-3023	140	15	distance	distance	NOUN
ajfa-3023	140	16	to	to	ADP
ajfa-3023	140	17	default	default	NOUN
ajfa-3023	140	18	.	.	PUNCT
ajfa-3023	141	1	it	it	PRON
ajfa-3023	141	2	has	have	AUX
ajfa-3023	141	3	been	be	AUX
ajfa-3023	141	4	one	one	NUM
ajfa-3023	141	5	of	of	ADP
ajfa-3023	141	6	the	the	DET
ajfa-3023	141	7	most	most	ADV
ajfa-3023	141	8	commonly	commonly	ADV
ajfa-3023	141	9	used	use	VERB
ajfa-3023	141	10	measures	measure	NOUN
ajfa-3023	141	11	of	of	ADP
ajfa-3023	141	12	bank	bank	NOUN
ajfa-3023	141	13	default	default	NOUN
ajfa-3023	141	14	risk	risk	NOUN
ajfa-3023	141	15	in	in	ADP
ajfa-3023	141	16	the	the	DET
ajfa-3023	141	17	literature	literature	NOUN
ajfa-3023	141	18	(	(	PUNCT
ajfa-3023	141	19	e.g.	e.g.	ADV
ajfa-3023	141	20	roy	roy	PROPN
ajfa-3023	141	21	,	,	PUNCT
ajfa-3023	141	22	1952	1952	NUM
ajfa-3023	141	23	,	,	PUNCT
ajfa-3023	141	24	hannan	hannan	PROPN
ajfa-3023	141	25	et	et	PROPN
ajfa-3023	141	26	al	al	PROPN
ajfa-3023	141	27	.	.	PROPN
ajfa-3023	141	28	,	,	PUNCT
ajfa-3023	141	29	1988	1988	NUM
ajfa-3023	141	30	)	)	PUNCT
ajfa-3023	141	31	.	.	PUNCT
ajfa-3023	142	1	unlike	unlike	ADP
ajfa-3023	142	2	the	the	DET
ajfa-3023	142	3	distance	distance	NOUN
ajfa-3023	142	4	to	to	PART
ajfa-3023	142	5	default	default	VERB
ajfa-3023	142	6	developed	develop	VERB
ajfa-3023	142	7	moody	moody	PROPN
ajfa-3023	142	8	’s	’s	PART
ajfa-3023	142	9	kmv	kmv	PROPN
ajfa-3023	142	10	,	,	PUNCT
ajfa-3023	142	11	the	the	DET
ajfa-3023	142	12	z	z	NOUN
ajfa-3023	142	13	-	-	PUNCT
ajfa-3023	142	14	score	score	NOUN
ajfa-3023	142	15	can	can	AUX
ajfa-3023	142	16	be	be	AUX
ajfa-3023	142	17	easily	easily	ADV
ajfa-3023	142	18	obtained	obtain	VERB
ajfa-3023	142	19	from	from	ADP
ajfa-3023	142	20	the	the	DET
ajfa-3023	142	21	accounting	accounting	NOUN
ajfa-3023	142	22	data	datum	NOUN
ajfa-3023	142	23	and	and	CCONJ
ajfa-3023	142	24	is	be	AUX
ajfa-3023	142	25	estimated	estimate	VERB
ajfa-3023	142	26	as	as	SCONJ
ajfa-3023	142	27	follows	follow	VERB
ajfa-3023	142	28	:	:	PUNCT
ajfa-3023	142	29	−	−	PROPN
ajfa-3023	143	1	=	=	SYM
ajfa-3023	143	2	(	(	PUNCT
ajfa-3023	143	3	2	2	NUM
ajfa-3023	143	4	)	)	PUNCT
ajfa-3023	143	5	where	where	SCONJ
ajfa-3023	143	6	is	be	AUX
ajfa-3023	143	7	a	a	DET
ajfa-3023	143	8	percent	percent	NOUN
ajfa-3023	143	9	of	of	ADP
ajfa-3023	143	10	equity	equity	NOUN
ajfa-3023	143	11	to	to	ADP
ajfa-3023	143	12	total	total	ADJ
ajfa-3023	143	13	assets	asset	NOUN
ajfa-3023	143	14	,	,	PUNCT
ajfa-3023	143	15	is	be	AUX
ajfa-3023	143	16	the	the	DET
ajfa-3023	143	17	ratio	ratio	NOUN
ajfa-3023	143	18	of	of	ADP
ajfa-3023	143	19	net	net	ADJ
ajfa-3023	143	20	profit	profit	NOUN
ajfa-3023	143	21	over	over	ADP
ajfa-3023	143	22	average	average	ADJ
ajfa-3023	143	23	total	total	ADJ
ajfa-3023	143	24	assets	asset	NOUN
ajfa-3023	143	25	,	,	PUNCT
ajfa-3023	143	26	and	and	CCONJ
ajfa-3023	143	27	represents	represent	VERB
ajfa-3023	143	28	the	the	DET
ajfa-3023	143	29	standard	standard	ADJ
ajfa-3023	143	30	deviation	deviation	NOUN
ajfa-3023	143	31	of	of	ADP
ajfa-3023	143	32	return	return	NOUN
ajfa-3023	143	33	on	on	ADP
ajfa-3023	143	34	assets	asset	NOUN
ajfa-3023	143	35	.	.	PUNCT
ajfa-3023	144	1	a	a	DET
ajfa-3023	144	2	higher	high	ADJ
ajfa-3023	144	3	value	value	NOUN
ajfa-3023	144	4	of	of	ADP
ajfa-3023	144	5	z	z	NOUN
ajfa-3023	144	6	-	-	PUNCT
ajfa-3023	144	7	score	score	NOUN
ajfa-3023	144	8	indicates	indicate	VERB
ajfa-3023	144	9	a	a	DET
ajfa-3023	144	10	low	low	ADJ
ajfa-3023	144	11	default	default	NOUN
ajfa-3023	144	12	risk	risk	NOUN
ajfa-3023	144	13	of	of	ADP
ajfa-3023	144	14	a	a	DET
ajfa-3023	144	15	bank	bank	NOUN
ajfa-3023	144	16	.	.	PUNCT
ajfa-3023	145	1	due	due	ADP
ajfa-3023	145	2	to	to	ADP
ajfa-3023	145	3	the	the	DET
ajfa-3023	145	4	higher	high	ADJ
ajfa-3023	145	5	dispersion	dispersion	NOUN
ajfa-3023	145	6	of	of	ADP
ajfa-3023	145	7	z	z	NOUN
ajfa-3023	145	8	-	-	PUNCT
ajfa-3023	145	9	score	score	NOUN
ajfa-3023	145	10	obtained	obtain	VERB
ajfa-3023	145	11	from	from	ADP
ajfa-3023	145	12	the	the	DET
ajfa-3023	145	13	equation	equation	NOUN
ajfa-3023	145	14	(	(	PUNCT
ajfa-3023	145	15	2	2	NUM
ajfa-3023	145	16	)	)	PUNCT
ajfa-3023	145	17	,	,	PUNCT
ajfa-3023	145	18	a	a	DET
ajfa-3023	145	19	log	log	NOUN
ajfa-3023	145	20	transformation	transformation	NOUN
ajfa-3023	145	21	of	of	ADP
ajfa-3023	145	22	this	this	DET
ajfa-3023	145	23	variable	variable	NOUN
ajfa-3023	145	24	is	be	AUX
ajfa-3023	145	25	used	use	VERB
ajfa-3023	145	26	in	in	ADP
ajfa-3023	145	27	all	all	DET
ajfa-3023	145	28	specifications	specification	NOUN
ajfa-3023	145	29	.	.	PUNCT
ajfa-3023	146	1	2	2	NUM
ajfa-3023	146	2	descriptive	descriptive	ADJ
ajfa-3023	146	3	statistics	statistic	NOUN
ajfa-3023	146	4	and	and	CCONJ
ajfa-3023	146	5	correlation	correlation	NOUN
ajfa-3023	146	6	matrix	matrix	NOUN
ajfa-3023	146	7	of	of	ADP
ajfa-3023	146	8	the	the	DET
ajfa-3023	146	9	data	datum	NOUN
ajfa-3023	146	10	are	be	AUX
ajfa-3023	146	11	available	available	ADJ
ajfa-3023	146	12	from	from	ADP
ajfa-3023	146	13	the	the	DET
ajfa-3023	146	14	authors	author	NOUN
ajfa-3023	146	15	upon	upon	SCONJ
ajfa-3023	146	16	request	request	NOUN
ajfa-3023	146	17	asian	asian	ADJ
ajfa-3023	146	18	journal	journal	NOUN
ajfa-3023	146	19	of	of	ADP
ajfa-3023	146	20	finance	finance	PROPN
ajfa-3023	146	21	&	&	CCONJ
ajfa-3023	146	22	accounting	accounting	PROPN
ajfa-3023	146	23	issn	issn	PROPN
ajfa-3023	146	24	1946	1946	NUM
ajfa-3023	146	25	-	-	PUNCT
ajfa-3023	146	26	052x	052x	NOUN
ajfa-3023	146	27	2013	2013	NUM
ajfa-3023	146	28	,	,	PUNCT
ajfa-3023	146	29	vol	vol	NOUN
ajfa-3023	146	30	.	.	PROPN
ajfa-3023	146	31	5	5	NUM
ajfa-3023	146	32	,	,	PUNCT
ajfa-3023	146	33	no	no	INTJ
ajfa-3023	146	34	.	.	NOUN
ajfa-3023	146	35	1	1	NUM
ajfa-3023	146	36	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	146	37	113	113	NUM
ajfa-3023	146	38	npl	npl	NOUN
ajfa-3023	146	39	ratio	ratio	NOUN
ajfa-3023	146	40	,	,	PUNCT
ajfa-3023	146	41	,	,	PUNCT
ajfa-3023	146	42	defined	define	VERB
ajfa-3023	146	43	as	as	ADP
ajfa-3023	146	44	the	the	DET
ajfa-3023	146	45	ratio	ratio	NOUN
ajfa-3023	146	46	of	of	ADP
ajfa-3023	146	47	non	non	ADJ
ajfa-3023	146	48	-	-	ADJ
ajfa-3023	146	49	performing	performing	ADJ
ajfa-3023	146	50	loans	loan	NOUN
ajfa-3023	146	51	to	to	ADP
ajfa-3023	146	52	gross	gross	ADJ
ajfa-3023	146	53	loans	loan	NOUN
ajfa-3023	146	54	is	be	AUX
ajfa-3023	146	55	a	a	DET
ajfa-3023	146	56	proxy	proxy	NOUN
ajfa-3023	146	57	for	for	ADP
ajfa-3023	146	58	credit	credit	NOUN
ajfa-3023	146	59	risk	risk	NOUN
ajfa-3023	146	60	.	.	PUNCT
ajfa-3023	147	1	a	a	DET
ajfa-3023	147	2	npl	npl	PROPN
ajfa-3023	147	3	ratio	ratio	NOUN
ajfa-3023	147	4	shows	show	VERB
ajfa-3023	147	5	the	the	DET
ajfa-3023	147	6	asset	asset	NOUN
ajfa-3023	147	7	quality	quality	NOUN
ajfa-3023	147	8	of	of	ADP
ajfa-3023	147	9	a	a	DET
ajfa-3023	147	10	bank	bank	NOUN
ajfa-3023	147	11	and	and	CCONJ
ajfa-3023	147	12	how	how	SCONJ
ajfa-3023	147	13	much	much	ADJ
ajfa-3023	147	14	proportion	proportion	NOUN
ajfa-3023	147	15	of	of	ADP
ajfa-3023	147	16	total	total	ADJ
ajfa-3023	147	17	loans	loan	NOUN
ajfa-3023	147	18	is	be	AUX
ajfa-3023	147	19	classified	classify	VERB
ajfa-3023	147	20	as	as	ADP
ajfa-3023	147	21	being	be	AUX
ajfa-3023	147	22	in	in	ADP
ajfa-3023	147	23	or	or	CCONJ
ajfa-3023	147	24	close	close	ADJ
ajfa-3023	147	25	to	to	ADP
ajfa-3023	147	26	default	default	NOUN
ajfa-3023	147	27	.	.	PUNCT
ajfa-3023	148	1	for	for	ADP
ajfa-3023	148	2	liquidity	liquidity	NOUN
ajfa-3023	148	3	risk	risk	NOUN
ajfa-3023	148	4	,	,	PUNCT
ajfa-3023	148	5	the	the	DET
ajfa-3023	148	6	ratio	ratio	NOUN
ajfa-3023	148	7	of	of	ADP
ajfa-3023	148	8	liquid	liquid	ADJ
ajfa-3023	148	9	assets	asset	NOUN
ajfa-3023	148	10	to	to	PART
ajfa-3023	148	11	total	total	VERB
ajfa-3023	148	12	deposits	deposit	NOUN
ajfa-3023	148	13	and	and	CCONJ
ajfa-3023	148	14	short	short	ADJ
ajfa-3023	148	15	-	-	PUNCT
ajfa-3023	148	16	term	term	NOUN
ajfa-3023	148	17	borrowing	borrowing	NOUN
ajfa-3023	148	18	is	be	AUX
ajfa-3023	148	19	used	use	VERB
ajfa-3023	148	20	and	and	CCONJ
ajfa-3023	148	21	denoted	denote	VERB
ajfa-3023	148	22	as	as	ADP
ajfa-3023	148	23	.	.	PUNCT
ajfa-3023	149	1	when	when	SCONJ
ajfa-3023	149	2	banks	bank	NOUN
ajfa-3023	149	3	hold	hold	VERB
ajfa-3023	149	4	more	more	ADJ
ajfa-3023	149	5	reserves	reserve	NOUN
ajfa-3023	149	6	and	and	CCONJ
ajfa-3023	149	7	liquid	liquid	ADJ
ajfa-3023	149	8	assets	asset	NOUN
ajfa-3023	149	9	,	,	PUNCT
ajfa-3023	149	10	they	they	PRON
ajfa-3023	149	11	are	be	AUX
ajfa-3023	149	12	safer	safe	ADJ
ajfa-3023	149	13	to	to	PART
ajfa-3023	149	14	meet	meet	VERB
ajfa-3023	149	15	financial	financial	ADJ
ajfa-3023	149	16	obligations	obligation	NOUN
ajfa-3023	149	17	.	.	PUNCT
ajfa-3023	150	1	increases	increase	NOUN
ajfa-3023	150	2	in	in	ADP
ajfa-3023	150	3	z	z	NOUN
ajfa-3023	150	4	-	-	PUNCT
ajfa-3023	150	5	score	score	NOUN
ajfa-3023	150	6	and	and	CCONJ
ajfa-3023	150	7	liquid	liquid	NOUN
ajfa-3023	150	8	,	,	PUNCT
ajfa-3023	150	9	and	and	CCONJ
ajfa-3023	150	10	decreases	decrease	NOUN
ajfa-3023	150	11	in	in	ADP
ajfa-3023	150	12	npl	npl	PROPN
ajfa-3023	150	13	indicate	indicate	VERB
ajfa-3023	150	14	a	a	DET
ajfa-3023	150	15	reduction	reduction	NOUN
ajfa-3023	150	16	in	in	ADP
ajfa-3023	150	17	the	the	DET
ajfa-3023	150	18	riskiness	riskiness	NOUN
ajfa-3023	150	19	of	of	ADP
ajfa-3023	150	20	banks	bank	NOUN
ajfa-3023	150	21	.	.	PUNCT
ajfa-3023	151	1	bank	bank	NOUN
ajfa-3023	151	2	variables	variable	VERB
ajfa-3023	151	3	natural	natural	ADJ
ajfa-3023	151	4	logarithm	logarithm	NOUN
ajfa-3023	151	5	of	of	ADP
ajfa-3023	151	6	total	total	ADJ
ajfa-3023	151	7	assets	asset	NOUN
ajfa-3023	151	8	,	,	PUNCT
ajfa-3023	151	9	,	,	PUNCT
ajfa-3023	151	10	is	be	AUX
ajfa-3023	151	11	included	include	VERB
ajfa-3023	151	12	as	as	ADP
ajfa-3023	151	13	a	a	DET
ajfa-3023	151	14	proxy	proxy	NOUN
ajfa-3023	151	15	of	of	ADP
ajfa-3023	151	16	bank	bank	NOUN
ajfa-3023	151	17	size	size	NOUN
ajfa-3023	151	18	.	.	PUNCT
ajfa-3023	152	1	larger	large	ADJ
ajfa-3023	152	2	banks	bank	NOUN
ajfa-3023	152	3	are	be	AUX
ajfa-3023	152	4	assumed	assume	VERB
ajfa-3023	152	5	to	to	PART
ajfa-3023	152	6	have	have	VERB
ajfa-3023	152	7	a	a	DET
ajfa-3023	152	8	greater	great	ADJ
ajfa-3023	152	9	capability	capability	NOUN
ajfa-3023	152	10	to	to	PART
ajfa-3023	152	11	diversify	diversify	VERB
ajfa-3023	152	12	their	their	PRON
ajfa-3023	152	13	risks	risk	NOUN
ajfa-3023	152	14	and	and	CCONJ
ajfa-3023	152	15	stabilize	stabilize	VERB
ajfa-3023	152	16	the	the	DET
ajfa-3023	152	17	cash	cash	NOUN
ajfa-3023	152	18	flow	flow	NOUN
ajfa-3023	152	19	from	from	ADP
ajfa-3023	152	20	their	their	PRON
ajfa-3023	152	21	business	business	NOUN
ajfa-3023	152	22	.	.	PUNCT
ajfa-3023	153	1	however	however	ADV
ajfa-3023	153	2	,	,	PUNCT
ajfa-3023	153	3	they	they	PRON
ajfa-3023	153	4	may	may	AUX
ajfa-3023	153	5	be	be	AUX
ajfa-3023	153	6	incentivized	incentivize	VERB
ajfa-3023	153	7	to	to	PART
ajfa-3023	153	8	take	take	VERB
ajfa-3023	153	9	higher	high	ADJ
ajfa-3023	153	10	risk	risk	NOUN
ajfa-3023	153	11	due	due	ADP
ajfa-3023	153	12	to	to	ADP
ajfa-3023	153	13	their	their	PRON
ajfa-3023	153	14	systematic	systematic	ADJ
ajfa-3023	153	15	importance	importance	NOUN
ajfa-3023	153	16	(	(	PUNCT
ajfa-3023	153	17	i.e.	i.e.	X
ajfa-3023	153	18	too	too	ADV
ajfa-3023	153	19	-	-	PUNCT
ajfa-3023	153	20	big	big	ADJ
ajfa-3023	153	21	-	-	PUNCT
ajfa-3023	153	22	too	too	ADV
ajfa-3023	153	23	-	-	PUNCT
ajfa-3023	153	24	fail	fail	NOUN
ajfa-3023	153	25	)	)	PUNCT
ajfa-3023	153	26	.	.	PUNCT
ajfa-3023	154	1	the	the	DET
ajfa-3023	154	2	square	square	NOUN
ajfa-3023	154	3	of	of	ADP
ajfa-3023	154	4	the	the	DET
ajfa-3023	154	5	log	log	NOUN
ajfa-3023	154	6	of	of	ADP
ajfa-3023	154	7	total	total	ADJ
ajfa-3023	154	8	assets	asset	NOUN
ajfa-3023	154	9	,	,	PUNCT
ajfa-3023	154	10	2	2	NUM
ajfa-3023	154	11	,	,	PUNCT
ajfa-3023	154	12	is	be	AUX
ajfa-3023	154	13	used	use	VERB
ajfa-3023	154	14	to	to	PART
ajfa-3023	154	15	test	test	VERB
ajfa-3023	154	16	a	a	DET
ajfa-3023	154	17	non	non	ADJ
ajfa-3023	154	18	-	-	ADJ
ajfa-3023	154	19	linear	linear	ADJ
ajfa-3023	154	20	relationship	relationship	NOUN
ajfa-3023	154	21	between	between	ADP
ajfa-3023	154	22	risk	risk	NOUN
ajfa-3023	154	23	-	-	PUNCT
ajfa-3023	154	24	taking	taking	NOUN
ajfa-3023	154	25	and	and	CCONJ
ajfa-3023	154	26	bank	bank	NOUN
ajfa-3023	154	27	size	size	NOUN
ajfa-3023	154	28	.	.	PUNCT
ajfa-3023	155	1	we	we	PRON
ajfa-3023	155	2	also	also	ADV
ajfa-3023	155	3	control	control	VERB
ajfa-3023	155	4	for	for	ADP
ajfa-3023	155	5	the	the	DET
ajfa-3023	155	6	diversification	diversification	NOUN
ajfa-3023	155	7	of	of	ADP
ajfa-3023	155	8	banks	bank	NOUN
ajfa-3023	155	9	’	’	PART
ajfa-3023	155	10	sources	source	NOUN
ajfa-3023	155	11	of	of	ADP
ajfa-3023	155	12	income	income	NOUN
ajfa-3023	155	13	defined	define	VERB
ajfa-3023	155	14	as	as	ADP
ajfa-3023	155	15	the	the	DET
ajfa-3023	155	16	ratio	ratio	NOUN
ajfa-3023	155	17	of	of	ADP
ajfa-3023	155	18	non	non	ADJ
ajfa-3023	155	19	-	-	ADJ
ajfa-3023	155	20	interest	interest	ADJ
ajfa-3023	155	21	income	income	NOUN
ajfa-3023	155	22	to	to	ADP
ajfa-3023	155	23	gross	gross	ADJ
ajfa-3023	155	24	income	income	NOUN
ajfa-3023	155	25	(	(	PUNCT
ajfa-3023	155	26	)	)	PUNCT
ajfa-3023	155	27	.	.	PUNCT
ajfa-3023	156	1	diversification	diversification	NOUN
ajfa-3023	156	2	of	of	ADP
ajfa-3023	156	3	income	income	NOUN
ajfa-3023	156	4	sources	source	NOUN
ajfa-3023	156	5	eliminates	eliminate	VERB
ajfa-3023	156	6	a	a	DET
ajfa-3023	156	7	bank	bank	NOUN
ajfa-3023	156	8	’s	’s	PART
ajfa-3023	156	9	risk	risk	NOUN
ajfa-3023	156	10	exposure	exposure	NOUN
ajfa-3023	156	11	(	(	PUNCT
ajfa-3023	156	12	smith	smith	PROPN
ajfa-3023	156	13	et	et	PROPN
ajfa-3023	156	14	al	al	PROPN
ajfa-3023	156	15	.	.	PROPN
ajfa-3023	156	16	,	,	PUNCT
ajfa-3023	156	17	2003	2003	NUM
ajfa-3023	156	18	)	)	PUNCT
ajfa-3023	156	19	.	.	PUNCT
ajfa-3023	157	1	this	this	PRON
ajfa-3023	157	2	is	be	AUX
ajfa-3023	157	3	a	a	DET
ajfa-3023	157	4	proxy	proxy	NOUN
ajfa-3023	157	5	to	to	ADP
ajfa-3023	157	6	a	a	DET
ajfa-3023	157	7	bank	bank	NOUN
ajfa-3023	157	8	’s	’s	PART
ajfa-3023	157	9	business	business	NOUN
ajfa-3023	157	10	model	model	NOUN
ajfa-3023	157	11	.	.	PUNCT
ajfa-3023	158	1	a	a	DET
ajfa-3023	158	2	negative	negative	ADJ
ajfa-3023	158	3	relationship	relationship	NOUN
ajfa-3023	158	4	exists	exist	VERB
ajfa-3023	158	5	between	between	ADP
ajfa-3023	158	6	bank	bank	NOUN
ajfa-3023	158	7	risk	risk	NOUN
ajfa-3023	158	8	and	and	CCONJ
ajfa-3023	158	9	diversification	diversification	NOUN
ajfa-3023	158	10	of	of	ADP
ajfa-3023	158	11	income	income	NOUN
ajfa-3023	158	12	sources	source	NOUN
ajfa-3023	158	13	.	.	PUNCT
ajfa-3023	159	1	a	a	DET
ajfa-3023	159	2	share	share	NOUN
ajfa-3023	159	3	of	of	ADP
ajfa-3023	159	4	deposits	deposit	NOUN
ajfa-3023	159	5	due	due	ADP
ajfa-3023	159	6	to	to	ADP
ajfa-3023	159	7	banks	bank	NOUN
ajfa-3023	159	8	in	in	ADP
ajfa-3023	159	9	total	total	ADJ
ajfa-3023	159	10	assets	asset	NOUN
ajfa-3023	159	11	,	,	PUNCT
ajfa-3023	159	12	,	,	PUNCT
ajfa-3023	159	13	is	be	AUX
ajfa-3023	159	14	considered	consider	VERB
ajfa-3023	159	15	the	the	DET
ajfa-3023	159	16	market	market	NOUN
ajfa-3023	159	17	discipline	discipline	NOUN
ajfa-3023	159	18	variable	variable	NOUN
ajfa-3023	159	19	.	.	PUNCT
ajfa-3023	160	1	in	in	ADP
ajfa-3023	160	2	many	many	ADJ
ajfa-3023	160	3	countries	country	NOUN
ajfa-3023	160	4	,	,	PUNCT
ajfa-3023	160	5	interbank	interbank	NOUN
ajfa-3023	160	6	deposits	deposit	NOUN
ajfa-3023	160	7	and	and	CCONJ
ajfa-3023	160	8	subordinated	subordinated	ADJ
ajfa-3023	160	9	debt	debt	NOUN
ajfa-3023	160	10	are	be	AUX
ajfa-3023	160	11	excluded	exclude	VERB
ajfa-3023	160	12	from	from	ADP
ajfa-3023	160	13	deposit	deposit	NOUN
ajfa-3023	160	14	insurance	insurance	NOUN
ajfa-3023	160	15	and	and	CCONJ
ajfa-3023	160	16	government	government	NOUN
ajfa-3023	160	17	guarantee	guarantee	NOUN
ajfa-3023	160	18	.	.	PUNCT
ajfa-3023	161	1	uninsured	uninsured	ADJ
ajfa-3023	161	2	depositors	depositor	NOUN
ajfa-3023	161	3	are	be	AUX
ajfa-3023	161	4	more	more	ADV
ajfa-3023	161	5	incentivized	incentivize	VERB
ajfa-3023	161	6	to	to	PART
ajfa-3023	161	7	discipline	discipline	VERB
ajfa-3023	161	8	banks	bank	NOUN
ajfa-3023	161	9	.	.	PUNCT
ajfa-3023	162	1	due	due	ADP
ajfa-3023	162	2	to	to	ADP
ajfa-3023	162	3	missing	miss	VERB
ajfa-3023	162	4	data	datum	NOUN
ajfa-3023	162	5	on	on	ADP
ajfa-3023	162	6	subordinated	subordinated	ADJ
ajfa-3023	162	7	debt	debt	NOUN
ajfa-3023	162	8	for	for	ADP
ajfa-3023	162	9	several	several	ADJ
ajfa-3023	162	10	asian	asian	ADJ
ajfa-3023	162	11	countries	country	NOUN
ajfa-3023	162	12	,	,	PUNCT
ajfa-3023	162	13	we	we	PRON
ajfa-3023	162	14	limited	limit	VERB
ajfa-3023	162	15	market	market	NOUN
ajfa-3023	162	16	discipline	discipline	NOUN
ajfa-3023	162	17	variables	variable	NOUN
ajfa-3023	162	18	to	to	ADP
ajfa-3023	162	19	interbank	interbank	NOUN
ajfa-3023	162	20	deposits	deposit	NOUN
ajfa-3023	162	21	.	.	PUNCT
ajfa-3023	163	1	a	a	DET
ajfa-3023	163	2	share	share	NOUN
ajfa-3023	163	3	of	of	ADP
ajfa-3023	163	4	total	total	ADJ
ajfa-3023	163	5	customer	customer	NOUN
ajfa-3023	163	6	deposits	deposit	NOUN
ajfa-3023	163	7	in	in	ADP
ajfa-3023	163	8	total	total	ADJ
ajfa-3023	163	9	assets	asset	NOUN
ajfa-3023	163	10	,	,	PUNCT
ajfa-3023	163	11	,	,	PUNCT
ajfa-3023	163	12	is	be	AUX
ajfa-3023	163	13	a	a	DET
ajfa-3023	163	14	proxy	proxy	NOUN
ajfa-3023	163	15	to	to	ADP
ajfa-3023	163	16	the	the	DET
ajfa-3023	163	17	capital	capital	NOUN
ajfa-3023	163	18	structure	structure	NOUN
ajfa-3023	163	19	of	of	ADP
ajfa-3023	163	20	a	a	DET
ajfa-3023	163	21	bank	bank	NOUN
ajfa-3023	163	22	,	,	PUNCT
ajfa-3023	163	23	and	and	CCONJ
ajfa-3023	163	24	it	it	PRON
ajfa-3023	163	25	represents	represent	VERB
ajfa-3023	163	26	how	how	SCONJ
ajfa-3023	163	27	much	much	ADJ
ajfa-3023	163	28	of	of	ADP
ajfa-3023	163	29	assets	asset	NOUN
ajfa-3023	163	30	are	be	AUX
ajfa-3023	163	31	financed	finance	VERB
ajfa-3023	163	32	through	through	ADP
ajfa-3023	163	33	customer	customer	NOUN
ajfa-3023	163	34	deposits	deposit	NOUN
ajfa-3023	163	35	.	.	PUNCT
ajfa-3023	164	1	tier	tier	NOUN
ajfa-3023	164	2	1	1	NUM
ajfa-3023	164	3	capital	capital	NOUN
ajfa-3023	164	4	ratio	ratio	NOUN
ajfa-3023	164	5	(	(	PUNCT
ajfa-3023	164	6	1	1	NUM
ajfa-3023	164	7	)	)	PUNCT
ajfa-3023	164	8	,	,	PUNCT
ajfa-3023	164	9	defined	define	VERB
ajfa-3023	164	10	as	as	ADP
ajfa-3023	164	11	the	the	DET
ajfa-3023	164	12	ratio	ratio	NOUN
ajfa-3023	164	13	of	of	ADP
ajfa-3023	164	14	tier	tier	NOUN
ajfa-3023	164	15	1	1	NUM
ajfa-3023	164	16	capital	capital	NOUN
ajfa-3023	164	17	to	to	ADP
ajfa-3023	164	18	risk	risk	NOUN
ajfa-3023	164	19	-	-	PUNCT
ajfa-3023	164	20	weighted	weight	VERB
ajfa-3023	164	21	assets	asset	NOUN
ajfa-3023	164	22	,	,	PUNCT
ajfa-3023	164	23	is	be	AUX
ajfa-3023	164	24	a	a	DET
ajfa-3023	164	25	measure	measure	NOUN
ajfa-3023	164	26	of	of	ADP
ajfa-3023	164	27	the	the	DET
ajfa-3023	164	28	capital	capital	NOUN
ajfa-3023	164	29	adequacy	adequacy	NOUN
ajfa-3023	164	30	of	of	ADP
ajfa-3023	164	31	a	a	DET
ajfa-3023	164	32	bank	bank	NOUN
ajfa-3023	164	33	.	.	PUNCT
ajfa-3023	165	1	most	most	ADJ
ajfa-3023	165	2	countries	country	NOUN
ajfa-3023	165	3	follow	follow	VERB
ajfa-3023	165	4	the	the	DET
ajfa-3023	165	5	basel	basel	PROPN
ajfa-3023	165	6	capital	capital	NOUN
ajfa-3023	165	7	accord	accord	NOUN
ajfa-3023	165	8	to	to	PART
ajfa-3023	165	9	estimate	estimate	VERB
ajfa-3023	165	10	the	the	DET
ajfa-3023	165	11	capital	capital	NOUN
ajfa-3023	165	12	adequacy	adequacy	NOUN
ajfa-3023	165	13	ratio	ratio	NOUN
ajfa-3023	165	14	.	.	PUNCT
ajfa-3023	166	1	tier	tier	NOUN
ajfa-3023	166	2	1	1	NUM
ajfa-3023	166	3	capital	capital	NOUN
ajfa-3023	166	4	,	,	PUNCT
ajfa-3023	166	5	consisting	consist	VERB
ajfa-3023	166	6	of	of	ADP
ajfa-3023	166	7	core	core	NOUN
ajfa-3023	166	8	equity	equity	NOUN
ajfa-3023	166	9	capital	capital	NOUN
ajfa-3023	166	10	instruments	instrument	NOUN
ajfa-3023	166	11	,	,	PUNCT
ajfa-3023	166	12	absorbs	absorb	VERB
ajfa-3023	166	13	losses	loss	NOUN
ajfa-3023	166	14	before	before	ADP
ajfa-3023	166	15	all	all	DET
ajfa-3023	166	16	other	other	ADJ
ajfa-3023	166	17	equity	equity	NOUN
ajfa-3023	166	18	capital	capital	NOUN
ajfa-3023	166	19	instruments	instrument	NOUN
ajfa-3023	166	20	.	.	PUNCT
ajfa-3023	167	1	country	country	NOUN
ajfa-3023	167	2	-	-	PUNCT
ajfa-3023	167	3	specific	specific	ADJ
ajfa-3023	167	4	variables	variable	NOUN
ajfa-3023	167	5	in	in	ADP
ajfa-3023	167	6	the	the	DET
ajfa-3023	167	7	regression	regression	NOUN
ajfa-3023	167	8	analysis	analysis	NOUN
ajfa-3023	167	9	,	,	PUNCT
ajfa-3023	167	10	country	country	NOUN
ajfa-3023	167	11	-	-	PUNCT
ajfa-3023	167	12	level	level	NOUN
ajfa-3023	167	13	variables	variable	NOUN
ajfa-3023	167	14	are	be	AUX
ajfa-3023	167	15	included	include	VERB
ajfa-3023	167	16	.	.	PUNCT
ajfa-3023	168	1	the	the	DET
ajfa-3023	168	2	real	real	ADJ
ajfa-3023	168	3	interest	interest	NOUN
ajfa-3023	168	4	rates	rate	NOUN
ajfa-3023	168	5	(	(	PUNCT
ajfa-3023	168	6	)	)	PUNCT
ajfa-3023	168	7	,	,	PUNCT
ajfa-3023	168	8	real	real	ADJ
ajfa-3023	168	9	gdp	gdp	NOUN
ajfa-3023	168	10	growth	growth	NOUN
ajfa-3023	168	11	(	(	PUNCT
ajfa-3023	168	12	)	)	PUNCT
ajfa-3023	168	13	and	and	CCONJ
ajfa-3023	168	14	the	the	DET
ajfa-3023	168	15	inflation	inflation	NOUN
ajfa-3023	168	16	rates	rate	NOUN
ajfa-3023	168	17	(	(	PUNCT
ajfa-3023	168	18	)	)	PUNCT
ajfa-3023	168	19	are	be	AUX
ajfa-3023	168	20	deployed	deploy	VERB
ajfa-3023	168	21	to	to	PART
ajfa-3023	168	22	control	control	VERB
ajfa-3023	168	23	the	the	DET
ajfa-3023	168	24	differences	difference	NOUN
ajfa-3023	168	25	among	among	ADP
ajfa-3023	168	26	the	the	DET
ajfa-3023	168	27	countries	country	NOUN
ajfa-3023	168	28	and	and	CCONJ
ajfa-3023	168	29	to	to	PART
ajfa-3023	168	30	minimize	minimize	VERB
ajfa-3023	168	31	the	the	DET
ajfa-3023	168	32	omitted	omit	VERB
ajfa-3023	168	33	variables	variable	NOUN
ajfa-3023	168	34	bias	bias	NOUN
ajfa-3023	168	35	.	.	PUNCT
ajfa-3023	169	1	due	due	ADP
ajfa-3023	169	2	to	to	ADP
ajfa-3023	169	3	missing	miss	VERB
ajfa-3023	169	4	data	datum	NOUN
ajfa-3023	169	5	on	on	ADP
ajfa-3023	169	6	real	real	ADJ
ajfa-3023	169	7	gdp	gdp	NOUN
ajfa-3023	169	8	growth	growth	NOUN
ajfa-3023	169	9	,	,	PUNCT
ajfa-3023	169	10	real	real	ADJ
ajfa-3023	169	11	interest	interest	NOUN
ajfa-3023	169	12	rates	rate	NOUN
ajfa-3023	169	13	and	and	CCONJ
ajfa-3023	169	14	inflation	inflation	NOUN
ajfa-3023	169	15	rates	rate	NOUN
ajfa-3023	169	16	for	for	ADP
ajfa-3023	169	17	some	some	DET
ajfa-3023	169	18	countries	country	NOUN
ajfa-3023	169	19	in	in	ADP
ajfa-3023	169	20	the	the	DET
ajfa-3023	169	21	world	world	NOUN
ajfa-3023	169	22	bank	bank	PROPN
ajfa-3023	169	23	database	database	NOUN
ajfa-3023	169	24	,	,	PUNCT
ajfa-3023	169	25	we	we	PRON
ajfa-3023	169	26	use	use	VERB
ajfa-3023	169	27	the	the	DET
ajfa-3023	169	28	real	real	ADJ
ajfa-3023	169	29	discount	discount	NOUN
ajfa-3023	169	30	rates	rate	NOUN
ajfa-3023	169	31	for	for	ADP
ajfa-3023	169	32	india	india	PROPN
ajfa-3023	169	33	,	,	PUNCT
ajfa-3023	169	34	saudi	saudi	PROPN
ajfa-3023	169	35	arabia	arabia	PROPN
ajfa-3023	169	36	,	,	PUNCT
ajfa-3023	169	37	and	and	CCONJ
ajfa-3023	169	38	taiwan	taiwan	PROPN
ajfa-3023	169	39	as	as	ADP
ajfa-3023	169	40	proxy	proxy	NOUN
ajfa-3023	169	41	to	to	ADP
ajfa-3023	169	42	the	the	DET
ajfa-3023	169	43	real	real	ADJ
ajfa-3023	169	44	interest	interest	NOUN
ajfa-3023	169	45	rates	rate	NOUN
ajfa-3023	169	46	.	.	PUNCT
ajfa-3023	170	1	as	as	ADP
ajfa-3023	170	2	a	a	DET
ajfa-3023	170	3	proxy	proxy	NOUN
ajfa-3023	170	4	to	to	ADP
ajfa-3023	170	5	the	the	DET
ajfa-3023	170	6	quality	quality	NOUN
ajfa-3023	170	7	and	and	CCONJ
ajfa-3023	170	8	enforcement	enforcement	NOUN
ajfa-3023	170	9	for	for	ADP
ajfa-3023	170	10	a	a	DET
ajfa-3023	170	11	country	country	NOUN
ajfa-3023	170	12	’s	’s	PART
ajfa-3023	170	13	legal	legal	ADJ
ajfa-3023	170	14	system	system	NOUN
ajfa-3023	170	15	,	,	PUNCT
ajfa-3023	170	16	the	the	DET
ajfa-3023	170	17	index	index	NOUN
ajfa-3023	170	18	of	of	ADP
ajfa-3023	170	19	legal	legal	ADJ
ajfa-3023	170	20	enforcement	enforcement	NOUN
ajfa-3023	170	21	(	(	PUNCT
ajfa-3023	170	22	)	)	PUNCT
ajfa-3023	170	23	,	,	PUNCT
ajfa-3023	170	24	from	from	ADP
ajfa-3023	170	25	the	the	DET
ajfa-3023	170	26	worldwide	worldwide	ADJ
ajfa-3023	170	27	governance	governance	NOUN
ajfa-3023	170	28	indicators	indicator	NOUN
ajfa-3023	170	29	,	,	PUNCT
ajfa-3023	170	30	developed	develop	VERB
ajfa-3023	170	31	by	by	ADP
ajfa-3023	170	32	kaufmann	kaufmann	PROPN
ajfa-3023	170	33	et	et	PROPN
ajfa-3023	170	34	al	al	PROPN
ajfa-3023	170	35	.	.	PROPN
ajfa-3023	171	1	(	(	PUNCT
ajfa-3023	171	2	2010	2010	NUM
ajfa-3023	171	3	)	)	PUNCT
ajfa-3023	171	4	,	,	PUNCT
ajfa-3023	171	5	is	be	AUX
ajfa-3023	171	6	used	use	VERB
ajfa-3023	171	7	.	.	PUNCT
ajfa-3023	172	1	the	the	DET
ajfa-3023	172	2	index	index	NOUN
ajfa-3023	172	3	has	have	VERB
ajfa-3023	172	4	a	a	DET
ajfa-3023	172	5	scale	scale	NOUN
ajfa-3023	172	6	of	of	ADP
ajfa-3023	172	7	-2.5	-2.5	NOUN
ajfa-3023	172	8	to	to	ADP
ajfa-3023	172	9	2.5	2.5	NUM
ajfa-3023	172	10	and	and	CCONJ
ajfa-3023	172	11	higher	high	ADJ
ajfa-3023	172	12	value	value	NOUN
ajfa-3023	172	13	indicates	indicate	VERB
ajfa-3023	172	14	better	well	ADJ
ajfa-3023	172	15	outcome	outcome	NOUN
ajfa-3023	172	16	.	.	PUNCT
ajfa-3023	173	1	asian	asian	ADJ
ajfa-3023	173	2	journal	journal	PROPN
ajfa-3023	173	3	of	of	ADP
ajfa-3023	173	4	finance	finance	PROPN
ajfa-3023	173	5	&	&	CCONJ
ajfa-3023	173	6	accounting	accounting	PROPN
ajfa-3023	173	7	issn	issn	PROPN
ajfa-3023	173	8	1946	1946	NUM
ajfa-3023	173	9	-	-	PUNCT
ajfa-3023	173	10	052x	052x	NOUN
ajfa-3023	173	11	2013	2013	NUM
ajfa-3023	173	12	,	,	PUNCT
ajfa-3023	173	13	vol	vol	NOUN
ajfa-3023	173	14	.	.	PROPN
ajfa-3023	173	15	5	5	NUM
ajfa-3023	173	16	,	,	PUNCT
ajfa-3023	173	17	no	no	INTJ
ajfa-3023	173	18	.	.	NOUN
ajfa-3023	173	19	1	1	NUM
ajfa-3023	173	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	173	21	114	114	NUM
ajfa-3023	173	22	deposit	deposit	NOUN
ajfa-3023	173	23	insurance	insurance	NOUN
ajfa-3023	173	24	variables	variable	VERB
ajfa-3023	173	25	a	a	DET
ajfa-3023	173	26	dummy	dummy	ADJ
ajfa-3023	173	27	variable	variable	NOUN
ajfa-3023	173	28	,	,	PUNCT
ajfa-3023	173	29	,	,	PUNCT
ajfa-3023	173	30	was	be	AUX
ajfa-3023	173	31	constructed	construct	VERB
ajfa-3023	173	32	to	to	PART
ajfa-3023	173	33	define	define	VERB
ajfa-3023	173	34	the	the	DET
ajfa-3023	173	35	status	status	NOUN
ajfa-3023	173	36	of	of	ADP
ajfa-3023	173	37	a	a	DET
ajfa-3023	173	38	deposit	deposit	NOUN
ajfa-3023	173	39	insurance	insurance	NOUN
ajfa-3023	173	40	scheme	scheme	NOUN
ajfa-3023	173	41	(	(	PUNCT
ajfa-3023	173	42	except	except	SCONJ
ajfa-3023	173	43	for	for	ADP
ajfa-3023	173	44	a	a	DET
ajfa-3023	173	45	government	government	NOUN
ajfa-3023	173	46	guarantee	guarantee	NOUN
ajfa-3023	173	47	)	)	PUNCT
ajfa-3023	173	48	.	.	PUNCT
ajfa-3023	174	1	for	for	ADP
ajfa-3023	174	2	the	the	DET
ajfa-3023	174	3	year	year	NOUN
ajfa-3023	174	4	deposits	deposit	NOUN
ajfa-3023	174	5	are	be	AUX
ajfa-3023	174	6	protected	protect	VERB
ajfa-3023	174	7	by	by	ADP
ajfa-3023	174	8	an	an	DET
ajfa-3023	174	9	official	official	ADJ
ajfa-3023	174	10	deposit	deposit	NOUN
ajfa-3023	174	11	insurance	insurance	NOUN
ajfa-3023	174	12	scheme	scheme	NOUN
ajfa-3023	174	13	,	,	PUNCT
ajfa-3023	174	14	this	this	DET
ajfa-3023	174	15	variable	variable	NOUN
ajfa-3023	174	16	takes	take	VERB
ajfa-3023	174	17	the	the	DET
ajfa-3023	174	18	value	value	NOUN
ajfa-3023	174	19	of	of	ADP
ajfa-3023	174	20	1	1	NUM
ajfa-3023	174	21	and	and	CCONJ
ajfa-3023	174	22	is	be	AUX
ajfa-3023	174	23	0	0	NUM
ajfa-3023	174	24	otherwise	otherwise	ADV
ajfa-3023	174	25	.	.	PUNCT
ajfa-3023	175	1	during	during	ADP
ajfa-3023	175	2	the	the	DET
ajfa-3023	175	3	sample	sample	NOUN
ajfa-3023	175	4	period	period	NOUN
ajfa-3023	175	5	covered	cover	VERB
ajfa-3023	175	6	in	in	ADP
ajfa-3023	175	7	this	this	DET
ajfa-3023	175	8	study	study	NOUN
ajfa-3023	175	9	,	,	PUNCT
ajfa-3023	175	10	asian	asian	ADJ
ajfa-3023	175	11	countries	country	NOUN
ajfa-3023	175	12	adopted	adopt	VERB
ajfa-3023	175	13	mandatory	mandatory	ADJ
ajfa-3023	175	14	insurance	insurance	NOUN
ajfa-3023	175	15	system	system	NOUN
ajfa-3023	175	16	except	except	SCONJ
ajfa-3023	175	17	for	for	ADP
ajfa-3023	175	18	sri	sri	PROPN
ajfa-3023	175	19	lanka	lanka	PROPN
ajfa-3023	175	20	and	and	CCONJ
ajfa-3023	175	21	tajikistan	tajikistan	PROPN
ajfa-3023	175	22	.	.	PUNCT
ajfa-3023	176	1	thus	thus	ADV
ajfa-3023	176	2	,	,	PUNCT
ajfa-3023	176	3	an	an	DET
ajfa-3023	176	4	endogeneity	endogeneity	NOUN
ajfa-3023	176	5	problem	problem	NOUN
ajfa-3023	176	6	between	between	ADP
ajfa-3023	176	7	variable	variable	NOUN
ajfa-3023	176	8	and	and	CCONJ
ajfa-3023	176	9	risk	risk	NOUN
ajfa-3023	176	10	proxies	proxy	NOUN
ajfa-3023	176	11	does	do	AUX
ajfa-3023	176	12	not	not	PART
ajfa-3023	176	13	exist	exist	VERB
ajfa-3023	176	14	in	in	ADP
ajfa-3023	176	15	the	the	DET
ajfa-3023	176	16	regression	regression	NOUN
ajfa-3023	176	17	analysis	analysis	NOUN
ajfa-3023	176	18	.	.	PUNCT
ajfa-3023	177	1	in	in	ADP
ajfa-3023	177	2	many	many	ADJ
ajfa-3023	177	3	asian	asian	ADJ
ajfa-3023	177	4	countries	country	NOUN
ajfa-3023	177	5	,	,	PUNCT
ajfa-3023	177	6	a	a	DET
ajfa-3023	177	7	flat	flat	ADJ
ajfa-3023	177	8	-	-	PUNCT
ajfa-3023	177	9	rate	rate	NOUN
ajfa-3023	177	10	premium	premium	NOUN
ajfa-3023	177	11	is	be	AUX
ajfa-3023	177	12	paid	pay	VERB
ajfa-3023	177	13	by	by	ADP
ajfa-3023	177	14	the	the	DET
ajfa-3023	177	15	insured	insure	VERB
ajfa-3023	177	16	banks	bank	NOUN
ajfa-3023	177	17	.	.	PUNCT
ajfa-3023	178	1	among	among	ADP
ajfa-3023	178	2	countries	country	NOUN
ajfa-3023	178	3	covered	cover	VERB
ajfa-3023	178	4	in	in	ADP
ajfa-3023	178	5	this	this	DET
ajfa-3023	178	6	sample	sample	NOUN
ajfa-3023	178	7	,	,	PUNCT
ajfa-3023	178	8	six	six	NUM
ajfa-3023	178	9	countries	country	NOUN
ajfa-3023	178	10	have	have	AUX
ajfa-3023	178	11	adopted	adopt	VERB
ajfa-3023	178	12	the	the	DET
ajfa-3023	178	13	risk	risk	NOUN
ajfa-3023	178	14	-	-	PUNCT
ajfa-3023	178	15	based	base	VERB
ajfa-3023	178	16	differential	differential	ADJ
ajfa-3023	178	17	premium	premium	NOUN
ajfa-3023	178	18	system	system	NOUN
ajfa-3023	178	19	.	.	PUNCT
ajfa-3023	179	1	we	we	PRON
ajfa-3023	179	2	use	use	VERB
ajfa-3023	179	3	the	the	DET
ajfa-3023	179	4	second	second	ADJ
ajfa-3023	179	5	dummy	dummy	ADJ
ajfa-3023	179	6	variable	variable	NOUN
ajfa-3023	179	7	,	,	PUNCT
ajfa-3023	179	8	,	,	PUNCT
ajfa-3023	179	9	which	which	PRON
ajfa-3023	179	10	takes	take	VERB
ajfa-3023	179	11	the	the	DET
ajfa-3023	179	12	value	value	NOUN
ajfa-3023	179	13	of	of	ADP
ajfa-3023	179	14	1	1	NUM
ajfa-3023	179	15	if	if	SCONJ
ajfa-3023	179	16	a	a	DET
ajfa-3023	179	17	country	country	NOUN
ajfa-3023	179	18	adopted	adopt	VERB
ajfa-3023	179	19	the	the	DET
ajfa-3023	179	20	differential	differential	ADJ
ajfa-3023	179	21	premium	premium	NOUN
ajfa-3023	179	22	system	system	NOUN
ajfa-3023	179	23	and	and	CCONJ
ajfa-3023	179	24	the	the	DET
ajfa-3023	179	25	value	value	NOUN
ajfa-3023	179	26	of	of	ADP
ajfa-3023	179	27	0	0	NUM
ajfa-3023	179	28	otherwise	otherwise	ADV
ajfa-3023	179	29	.	.	PUNCT
ajfa-3023	180	1	as	as	SCONJ
ajfa-3023	180	2	pointed	point	VERB
ajfa-3023	180	3	out	out	ADP
ajfa-3023	180	4	by	by	ADP
ajfa-3023	180	5	demirgüç	demirgüç	PROPN
ajfa-3023	180	6	-	-	PUNCT
ajfa-3023	180	7	kunt	kunt	PROPN
ajfa-3023	180	8	and	and	CCONJ
ajfa-3023	180	9	huizinga	huizinga	ADV
ajfa-3023	180	10	(	(	PUNCT
ajfa-3023	180	11	1999	1999	NUM
ajfa-3023	180	12	)	)	PUNCT
ajfa-3023	180	13	,	,	PUNCT
ajfa-3023	180	14	funding	funding	NOUN
ajfa-3023	180	15	of	of	ADP
ajfa-3023	180	16	deposit	deposit	NOUN
ajfa-3023	180	17	insurance	insurance	NOUN
ajfa-3023	180	18	has	have	VERB
ajfa-3023	180	19	an	an	DET
ajfa-3023	180	20	effect	effect	NOUN
ajfa-3023	180	21	on	on	ADP
ajfa-3023	180	22	bank	bank	NOUN
ajfa-3023	180	23	risk	risk	NOUN
ajfa-3023	180	24	-	-	PUNCT
ajfa-3023	180	25	taking	take	VERB
ajfa-3023	180	26	incentives	incentive	NOUN
ajfa-3023	180	27	.	.	PUNCT
ajfa-3023	181	1	thus	thus	ADV
ajfa-3023	181	2	we	we	PRON
ajfa-3023	181	3	created	create	VERB
ajfa-3023	181	4	another	another	DET
ajfa-3023	181	5	dummy	dummy	ADJ
ajfa-3023	181	6	variable	variable	NOUN
ajfa-3023	181	7	,	,	PUNCT
ajfa-3023	181	8	,	,	PUNCT
ajfa-3023	181	9	that	that	PRON
ajfa-3023	181	10	takes	take	VERB
ajfa-3023	181	11	0	0	PUNCT
ajfa-3023	181	12	if	if	SCONJ
ajfa-3023	181	13	the	the	DET
ajfa-3023	181	14	private	private	ADJ
ajfa-3023	181	15	sector	sector	NOUN
ajfa-3023	181	16	provides	provide	VERB
ajfa-3023	181	17	the	the	DET
ajfa-3023	181	18	source	source	NOUN
ajfa-3023	181	19	of	of	ADP
ajfa-3023	181	20	the	the	DET
ajfa-3023	181	21	deposit	deposit	NOUN
ajfa-3023	181	22	insurance	insurance	NOUN
ajfa-3023	181	23	fund	fund	NOUN
ajfa-3023	181	24	and	and	CCONJ
ajfa-3023	181	25	1	1	NUM
ajfa-3023	181	26	otherwise	otherwise	ADV
ajfa-3023	181	27	(	(	PUNCT
ajfa-3023	181	28	if	if	SCONJ
ajfa-3023	181	29	the	the	DET
ajfa-3023	181	30	government	government	NOUN
ajfa-3023	181	31	or	or	CCONJ
ajfa-3023	181	32	both	both	CCONJ
ajfa-3023	181	33	public	public	ADJ
ajfa-3023	181	34	and	and	CCONJ
ajfa-3023	181	35	private	private	ADJ
ajfa-3023	181	36	sectors	sector	NOUN
ajfa-3023	181	37	fund	fund	VERB
ajfa-3023	181	38	the	the	DET
ajfa-3023	181	39	deposit	deposit	NOUN
ajfa-3023	181	40	insurance	insurance	NOUN
ajfa-3023	181	41	scheme	scheme	NOUN
ajfa-3023	181	42	)	)	PUNCT
ajfa-3023	181	43	.	.	PUNCT
ajfa-3023	182	1	to	to	PART
ajfa-3023	182	2	examine	examine	VERB
ajfa-3023	182	3	the	the	DET
ajfa-3023	182	4	effect	effect	NOUN
ajfa-3023	182	5	of	of	ADP
ajfa-3023	182	6	deposit	deposit	NOUN
ajfa-3023	182	7	insurance	insurance	NOUN
ajfa-3023	182	8	membership	membership	NOUN
ajfa-3023	182	9	on	on	ADP
ajfa-3023	182	10	risk	risk	NOUN
ajfa-3023	182	11	-	-	PUNCT
ajfa-3023	182	12	taking	take	VERB
ajfa-3023	182	13	incentives	incentive	NOUN
ajfa-3023	182	14	,	,	PUNCT
ajfa-3023	182	15	a	a	DET
ajfa-3023	182	16	dummy	dummy	ADJ
ajfa-3023	182	17	variable	variable	NOUN
ajfa-3023	182	18	,	,	PUNCT
ajfa-3023	182	19	,	,	PUNCT
ajfa-3023	182	20	is	be	AUX
ajfa-3023	182	21	included	include	VERB
ajfa-3023	182	22	in	in	ADP
ajfa-3023	182	23	the	the	DET
ajfa-3023	182	24	regression	regression	NOUN
ajfa-3023	182	25	analysis	analysis	NOUN
ajfa-3023	182	26	.	.	PUNCT
ajfa-3023	183	1	this	this	DET
ajfa-3023	183	2	dummy	dummy	ADJ
ajfa-3023	183	3	variable	variable	NOUN
ajfa-3023	183	4	takes	take	VERB
ajfa-3023	183	5	the	the	DET
ajfa-3023	183	6	value	value	NOUN
ajfa-3023	183	7	of	of	ADP
ajfa-3023	183	8	1	1	NUM
ajfa-3023	183	9	if	if	SCONJ
ajfa-3023	183	10	the	the	DET
ajfa-3023	183	11	membership	membership	NOUN
ajfa-3023	183	12	of	of	ADP
ajfa-3023	183	13	a	a	DET
ajfa-3023	183	14	deposit	deposit	NOUN
ajfa-3023	183	15	insurance	insurance	NOUN
ajfa-3023	183	16	system	system	NOUN
ajfa-3023	183	17	is	be	AUX
ajfa-3023	183	18	mandatory	mandatory	ADJ
ajfa-3023	183	19	and	and	CCONJ
ajfa-3023	183	20	0	0	NUM
ajfa-3023	183	21	otherwise	otherwise	ADV
ajfa-3023	183	22	.	.	PUNCT
ajfa-3023	184	1	the	the	DET
ajfa-3023	184	2	insurance	insurance	NOUN
ajfa-3023	184	3	coverage	coverage	NOUN
ajfa-3023	184	4	provided	provide	VERB
ajfa-3023	184	5	to	to	ADP
ajfa-3023	184	6	depositors	depositor	NOUN
ajfa-3023	184	7	has	have	VERB
ajfa-3023	184	8	an	an	DET
ajfa-3023	184	9	effect	effect	NOUN
ajfa-3023	184	10	on	on	ADP
ajfa-3023	184	11	bank	bank	NOUN
ajfa-3023	184	12	risk	risk	NOUN
ajfa-3023	184	13	-	-	PUNCT
ajfa-3023	184	14	taking	take	VERB
ajfa-3023	184	15	incentives	incentive	NOUN
ajfa-3023	184	16	.	.	PUNCT
ajfa-3023	185	1	is	be	AUX
ajfa-3023	185	2	a	a	DET
ajfa-3023	185	3	dummy	dummy	ADJ
ajfa-3023	185	4	variable	variable	NOUN
ajfa-3023	185	5	that	that	PRON
ajfa-3023	185	6	takes	take	VERB
ajfa-3023	185	7	the	the	DET
ajfa-3023	185	8	value	value	NOUN
ajfa-3023	185	9	of	of	ADP
ajfa-3023	185	10	1	1	NUM
ajfa-3023	185	11	if	if	SCONJ
ajfa-3023	185	12	the	the	DET
ajfa-3023	185	13	coverage	coverage	NOUN
ajfa-3023	185	14	of	of	ADP
ajfa-3023	185	15	deposit	deposit	NOUN
ajfa-3023	185	16	insurance	insurance	NOUN
ajfa-3023	185	17	is	be	AUX
ajfa-3023	185	18	higher	high	ADJ
ajfa-3023	185	19	than	than	ADP
ajfa-3023	185	20	four	four	NUM
ajfa-3023	185	21	times	time	NOUN
ajfa-3023	185	22	the	the	DET
ajfa-3023	185	23	sample	sample	NOUN
ajfa-3023	185	24	mean	mean	NOUN
ajfa-3023	185	25	of	of	ADP
ajfa-3023	185	26	deposit	deposit	NOUN
ajfa-3023	185	27	insurance	insurance	NOUN
ajfa-3023	185	28	coverage	coverage	NOUN
ajfa-3023	185	29	(	(	PUNCT
ajfa-3023	185	30	usd	usd	NOUN
ajfa-3023	185	31	22,382.8	22,382.8	NOUN
ajfa-3023	185	32	)	)	PUNCT
ajfa-3023	185	33	or	or	CCONJ
ajfa-3023	185	34	full	full	ADJ
ajfa-3023	185	35	.	.	PUNCT
ajfa-3023	186	1	countries	country	NOUN
ajfa-3023	186	2	offering	offer	VERB
ajfa-3023	186	3	full	full	ADJ
ajfa-3023	186	4	guarantee	guarantee	NOUN
ajfa-3023	186	5	on	on	ADP
ajfa-3023	186	6	deposits	deposit	NOUN
ajfa-3023	186	7	are	be	AUX
ajfa-3023	186	8	treated	treat	VERB
ajfa-3023	186	9	as	as	SCONJ
ajfa-3023	186	10	they	they	PRON
ajfa-3023	186	11	have	have	VERB
ajfa-3023	186	12	full	full	ADJ
ajfa-3023	186	13	insurance	insurance	NOUN
ajfa-3023	186	14	coverage	coverage	NOUN
ajfa-3023	186	15	.	.	PUNCT
ajfa-3023	187	1	4	4	X
ajfa-3023	187	2	.	.	X
ajfa-3023	187	3	empirical	empirical	ADJ
ajfa-3023	187	4	results	result	NOUN
ajfa-3023	187	5	table	table	VERB
ajfa-3023	187	6	3	3	NUM
ajfa-3023	187	7	presents	present	VERB
ajfa-3023	187	8	the	the	DET
ajfa-3023	187	9	estimation	estimation	NOUN
ajfa-3023	187	10	results	result	NOUN
ajfa-3023	187	11	of	of	ADP
ajfa-3023	187	12	the	the	DET
ajfa-3023	187	13	equation	equation	NOUN
ajfa-3023	187	14	(	(	PUNCT
ajfa-3023	187	15	1	1	X
ajfa-3023	187	16	)	)	PUNCT
ajfa-3023	187	17	where	where	SCONJ
ajfa-3023	187	18	independent	independent	ADJ
ajfa-3023	187	19	variables	variable	NOUN
ajfa-3023	187	20	include	include	VERB
ajfa-3023	187	21	interaction	interaction	NOUN
ajfa-3023	187	22	terms	term	NOUN
ajfa-3023	187	23	between	between	ADP
ajfa-3023	187	24	the	the	DET
ajfa-3023	187	25	deposit	deposit	NOUN
ajfa-3023	187	26	insurance	insurance	NOUN
ajfa-3023	187	27	dummy	dummy	NOUN
ajfa-3023	187	28	and	and	CCONJ
ajfa-3023	187	29	bank	bank	NOUN
ajfa-3023	187	30	variables	variable	NOUN
ajfa-3023	187	31	.	.	PUNCT
ajfa-3023	188	1	in	in	ADP
ajfa-3023	188	2	all	all	DET
ajfa-3023	188	3	specifications	specification	NOUN
ajfa-3023	188	4	woolridge	woolridge	VERB
ajfa-3023	188	5	’s	’s	PART
ajfa-3023	188	6	test	test	NOUN
ajfa-3023	188	7	rejects	reject	VERB
ajfa-3023	188	8	the	the	DET
ajfa-3023	188	9	null	null	ADJ
ajfa-3023	188	10	hypothesis	hypothesis	NOUN
ajfa-3023	188	11	implying	imply	VERB
ajfa-3023	188	12	that	that	SCONJ
ajfa-3023	188	13	the	the	DET
ajfa-3023	188	14	autocorrelation	autocorrelation	NOUN
ajfa-3023	188	15	exists	exist	VERB
ajfa-3023	188	16	in	in	ADP
ajfa-3023	188	17	the	the	DET
ajfa-3023	188	18	residuals	residual	NOUN
ajfa-3023	188	19	.	.	PUNCT
ajfa-3023	189	1	thus	thus	ADV
ajfa-3023	189	2	,	,	PUNCT
ajfa-3023	189	3	each	each	DET
ajfa-3023	189	4	equation	equation	NOUN
ajfa-3023	189	5	is	be	AUX
ajfa-3023	189	6	estimated	estimate	VERB
ajfa-3023	189	7	using	use	VERB
ajfa-3023	189	8	fgls	fgls	NOUN
ajfa-3023	189	9	method	method	NOUN
ajfa-3023	189	10	with	with	ADP
ajfa-3023	189	11	white	white	ADJ
ajfa-3023	189	12	type	type	NOUN
ajfa-3023	189	13	standard	standard	ADJ
ajfa-3023	189	14	errors	error	NOUN
ajfa-3023	189	15	robust	robust	ADJ
ajfa-3023	189	16	to	to	ADP
ajfa-3023	189	17	time	time	NOUN
ajfa-3023	189	18	-	-	PUNCT
ajfa-3023	189	19	varying	vary	VERB
ajfa-3023	189	20	residual	residual	ADJ
ajfa-3023	189	21	variance	variance	NOUN
ajfa-3023	189	22	and	and	CCONJ
ajfa-3023	189	23	correlation	correlation	NOUN
ajfa-3023	189	24	over	over	ADP
ajfa-3023	189	25	time	time	NOUN
ajfa-3023	189	26	within	within	ADP
ajfa-3023	189	27	cross	cross	ADJ
ajfa-3023	189	28	-	-	ADJ
ajfa-3023	189	29	section	section	ADJ
ajfa-3023	189	30	units	unit	NOUN
ajfa-3023	189	31	.	.	PUNCT
ajfa-3023	190	1	columns	column	NOUN
ajfa-3023	190	2	(	(	PUNCT
ajfa-3023	190	3	1)-(3	1)-(3	NUM
ajfa-3023	190	4	)	)	PUNCT
ajfa-3023	190	5	of	of	ADP
ajfa-3023	190	6	table	table	NOUN
ajfa-3023	190	7	4	4	NUM
ajfa-3023	190	8	report	report	VERB
ajfa-3023	190	9	the	the	DET
ajfa-3023	190	10	results	result	NOUN
ajfa-3023	190	11	of	of	ADP
ajfa-3023	190	12	our	our	PRON
ajfa-3023	190	13	main	main	ADJ
ajfa-3023	190	14	model	model	NOUN
ajfa-3023	190	15	with	with	ADP
ajfa-3023	190	16	interaction	interaction	NOUN
ajfa-3023	190	17	variables	variable	NOUN
ajfa-3023	190	18	between	between	ADP
ajfa-3023	190	19	di	di	NOUN
ajfa-3023	190	20	and	and	CCONJ
ajfa-3023	190	21	ta	ta	PROPN
ajfa-3023	190	22	,	,	PUNCT
ajfa-3023	190	23	and	and	CCONJ
ajfa-3023	190	24	di	di	NOUN
ajfa-3023	190	25	and	and	CCONJ
ajfa-3023	190	26	ta2	ta2	PROPN
ajfa-3023	190	27	.	.	PUNCT
ajfa-3023	191	1	columns	column	NOUN
ajfa-3023	191	2	(	(	PUNCT
ajfa-3023	191	3	4)-(6	4)-(6	NUM
ajfa-3023	191	4	)	)	PUNCT
ajfa-3023	191	5	of	of	ADP
ajfa-3023	191	6	table	table	NOUN
ajfa-3023	191	7	4	4	NUM
ajfa-3023	191	8	show	show	VERB
ajfa-3023	191	9	the	the	DET
ajfa-3023	191	10	results	result	NOUN
ajfa-3023	191	11	of	of	ADP
ajfa-3023	191	12	the	the	DET
ajfa-3023	191	13	same	same	ADJ
ajfa-3023	191	14	model	model	NOUN
ajfa-3023	191	15	with	with	ADP
ajfa-3023	191	16	the	the	DET
ajfa-3023	191	17	interaction	interaction	NOUN
ajfa-3023	191	18	term	term	NOUN
ajfa-3023	191	19	between	between	ADP
ajfa-3023	191	20	di	di	NOUN
ajfa-3023	191	21	and	and	CCONJ
ajfa-3023	191	22	depba	depba	NOUN
ajfa-3023	191	23	.	.	PUNCT
ajfa-3023	192	1	the	the	DET
ajfa-3023	192	2	results	result	NOUN
ajfa-3023	192	3	of	of	ADP
ajfa-3023	192	4	the	the	DET
ajfa-3023	192	5	main	main	ADJ
ajfa-3023	192	6	regressions	regression	NOUN
ajfa-3023	192	7	essentially	essentially	ADV
ajfa-3023	192	8	support	support	VERB
ajfa-3023	192	9	the	the	DET
ajfa-3023	192	10	prediction	prediction	NOUN
ajfa-3023	192	11	of	of	ADP
ajfa-3023	192	12	a	a	DET
ajfa-3023	192	13	non	non	ADJ
ajfa-3023	192	14	-	-	ADJ
ajfa-3023	192	15	linear	linear	ADJ
ajfa-3023	192	16	relationship	relationship	NOUN
ajfa-3023	192	17	between	between	ADP
ajfa-3023	192	18	bank	bank	NOUN
ajfa-3023	192	19	size	size	NOUN
ajfa-3023	192	20	and	and	CCONJ
ajfa-3023	192	21	risk	risk	NOUN
ajfa-3023	192	22	-	-	PUNCT
ajfa-3023	192	23	taking	take	VERB
ajfa-3023	192	24	incentives	incentive	NOUN
ajfa-3023	192	25	.	.	PUNCT
ajfa-3023	193	1	the	the	DET
ajfa-3023	193	2	influence	influence	NOUN
ajfa-3023	193	3	of	of	ADP
ajfa-3023	193	4	ta	ta	PROPN
ajfa-3023	193	5	in	in	ADP
ajfa-3023	193	6	each	each	DET
ajfa-3023	193	7	specification	specification	NOUN
ajfa-3023	193	8	is	be	AUX
ajfa-3023	193	9	consistent	consistent	ADJ
ajfa-3023	193	10	with	with	ADP
ajfa-3023	193	11	too	too	ADV
ajfa-3023	193	12	-	-	PUNCT
ajfa-3023	193	13	big	big	ADJ
ajfa-3023	193	14	-	-	PUNCT
ajfa-3023	193	15	to	to	ADP
ajfa-3023	193	16	-	-	PUNCT
ajfa-3023	193	17	fail	fail	ADJ
ajfa-3023	193	18	argument	argument	NOUN
ajfa-3023	193	19	where	where	SCONJ
ajfa-3023	193	20	larger	large	ADJ
ajfa-3023	193	21	banks	bank	NOUN
ajfa-3023	193	22	have	have	VERB
ajfa-3023	193	23	more	more	ADJ
ajfa-3023	193	24	incentives	incentive	NOUN
ajfa-3023	193	25	to	to	PART
ajfa-3023	193	26	undertake	undertake	VERB
ajfa-3023	193	27	risky	risky	ADJ
ajfa-3023	193	28	investments	investment	NOUN
ajfa-3023	193	29	because	because	SCONJ
ajfa-3023	193	30	they	they	PRON
ajfa-3023	193	31	become	become	VERB
ajfa-3023	193	32	recipients	recipient	NOUN
ajfa-3023	193	33	of	of	ADP
ajfa-3023	193	34	beneficial	beneficial	ADJ
ajfa-3023	193	35	policies	policy	NOUN
ajfa-3023	193	36	from	from	ADP
ajfa-3023	193	37	the	the	DET
ajfa-3023	193	38	governments	government	NOUN
ajfa-3023	193	39	.	.	PUNCT
ajfa-3023	194	1	when	when	SCONJ
ajfa-3023	194	2	bank	bank	NOUN
ajfa-3023	194	3	risks	risk	NOUN
ajfa-3023	194	4	are	be	AUX
ajfa-3023	194	5	measured	measure	VERB
ajfa-3023	194	6	by	by	ADP
ajfa-3023	194	7	z	z	NOUN
ajfa-3023	194	8	-	-	PUNCT
ajfa-3023	194	9	score	score	NOUN
ajfa-3023	194	10	and	and	CCONJ
ajfa-3023	194	11	npl	npl	NOUN
ajfa-3023	194	12	,	,	PUNCT
ajfa-3023	194	13	the	the	DET
ajfa-3023	194	14	pattern	pattern	NOUN
ajfa-3023	194	15	of	of	ADP
ajfa-3023	194	16	relationship	relationship	NOUN
ajfa-3023	194	17	between	between	ADP
ajfa-3023	194	18	bank	bank	NOUN
ajfa-3023	194	19	size	size	NOUN
ajfa-3023	194	20	and	and	CCONJ
ajfa-3023	194	21	risk	risk	NOUN
ajfa-3023	194	22	is	be	AUX
ajfa-3023	194	23	concave	concave	VERB
ajfa-3023	194	24	-	-	PUNCT
ajfa-3023	194	25	shaped	shape	VERB
ajfa-3023	194	26	(	(	PUNCT
ajfa-3023	194	27	r1	r1	PROPN
ajfa-3023	194	28	)	)	PUNCT
ajfa-3023	194	29	,	,	PUNCT
ajfa-3023	194	30	as	as	SCONJ
ajfa-3023	194	31	illustrated	illustrate	VERB
ajfa-3023	194	32	in	in	ADP
ajfa-3023	194	33	graph	graph	NOUN
ajfa-3023	194	34	1	1	NUM
ajfa-3023	194	35	.	.	PUNCT
ajfa-3023	195	1	in	in	ADP
ajfa-3023	195	2	all	all	DET
ajfa-3023	195	3	specifications	specification	NOUN
ajfa-3023	195	4	,	,	PUNCT
ajfa-3023	195	5	the	the	DET
ajfa-3023	195	6	signs	sign	NOUN
ajfa-3023	195	7	of	of	ADP
ajfa-3023	195	8	the	the	DET
ajfa-3023	195	9	coefficients	coefficient	NOUN
ajfa-3023	195	10	on	on	ADP
ajfa-3023	195	11	ta	ta	X
ajfa-3023	195	12	are	be	AUX
ajfa-3023	195	13	different	different	ADJ
ajfa-3023	195	14	from	from	ADP
ajfa-3023	195	15	those	those	PRON
ajfa-3023	195	16	of	of	ADP
ajfa-3023	195	17	the	the	DET
ajfa-3023	195	18	coefficients	coefficient	NOUN
ajfa-3023	195	19	on	on	ADP
ajfa-3023	195	20	ta2	ta2	PROPN
ajfa-3023	195	21	and	and	CCONJ
ajfa-3023	195	22	they	they	PRON
ajfa-3023	195	23	are	be	AUX
ajfa-3023	195	24	all	all	ADV
ajfa-3023	195	25	statitiscally	statitiscally	ADV
ajfa-3023	195	26	significant	significant	ADJ
ajfa-3023	195	27	.	.	PUNCT
ajfa-3023	196	1	in	in	ADP
ajfa-3023	196	2	specifications	specification	NOUN
ajfa-3023	196	3	3	3	NUM
ajfa-3023	196	4	and	and	CCONJ
ajfa-3023	196	5	6	6	NUM
ajfa-3023	196	6	,	,	PUNCT
ajfa-3023	196	7	the	the	DET
ajfa-3023	196	8	negative	negative	ADJ
ajfa-3023	196	9	coefficient	coefficient	NOUN
ajfa-3023	196	10	on	on	ADP
ajfa-3023	196	11	2	2	NUM
ajfa-3023	196	12	suggests	suggest	VERB
ajfa-3023	196	13	that	that	SCONJ
ajfa-3023	196	14	largest	large	ADJ
ajfa-3023	196	15	banks	bank	NOUN
ajfa-3023	196	16	are	be	AUX
ajfa-3023	196	17	more	more	ADV
ajfa-3023	196	18	leveraged	leveraged	ADJ
ajfa-3023	196	19	but	but	CCONJ
ajfa-3023	196	20	hold	hold	VERB
ajfa-3023	196	21	less	less	ADJ
ajfa-3023	196	22	asian	asian	ADJ
ajfa-3023	196	23	journal	journal	NOUN
ajfa-3023	196	24	of	of	ADP
ajfa-3023	196	25	finance	finance	PROPN
ajfa-3023	196	26	&	&	CCONJ
ajfa-3023	196	27	accounting	accounting	PROPN
ajfa-3023	196	28	issn	issn	PROPN
ajfa-3023	196	29	1946	1946	NUM
ajfa-3023	196	30	-	-	PUNCT
ajfa-3023	196	31	052x	052x	NOUN
ajfa-3023	196	32	2013	2013	NUM
ajfa-3023	196	33	,	,	PUNCT
ajfa-3023	196	34	vol	vol	NOUN
ajfa-3023	196	35	.	.	PROPN
ajfa-3023	196	36	5	5	NUM
ajfa-3023	196	37	,	,	PUNCT
ajfa-3023	196	38	no	no	INTJ
ajfa-3023	196	39	.	.	NOUN
ajfa-3023	196	40	1	1	NUM
ajfa-3023	196	41	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	196	42	115	115	NUM
ajfa-3023	196	43	liquid	liquid	ADJ
ajfa-3023	196	44	assets	asset	NOUN
ajfa-3023	196	45	.	.	PUNCT
ajfa-3023	197	1	as	as	ADP
ajfa-3023	197	2	financial	financial	ADJ
ajfa-3023	197	3	intermediaries	intermediary	NOUN
ajfa-3023	197	4	between	between	ADP
ajfa-3023	197	5	investors	investor	NOUN
ajfa-3023	197	6	and	and	CCONJ
ajfa-3023	197	7	economic	economic	ADJ
ajfa-3023	197	8	agents	agent	NOUN
ajfa-3023	197	9	,	,	PUNCT
ajfa-3023	197	10	banks	bank	NOUN
ajfa-3023	197	11	have	have	VERB
ajfa-3023	197	12	to	to	PART
ajfa-3023	197	13	attract	attract	VERB
ajfa-3023	197	14	more	more	ADJ
ajfa-3023	197	15	deposits	deposit	NOUN
ajfa-3023	197	16	,	,	PUNCT
ajfa-3023	197	17	thereby	thereby	ADV
ajfa-3023	197	18	increasing	increase	VERB
ajfa-3023	197	19	their	their	PRON
ajfa-3023	197	20	leverage	leverage	NOUN
ajfa-3023	197	21	and	and	CCONJ
ajfa-3023	197	22	have	have	VERB
ajfa-3023	197	23	to	to	PART
ajfa-3023	197	24	allocate	allocate	VERB
ajfa-3023	197	25	their	their	PRON
ajfa-3023	197	26	funding	funding	NOUN
ajfa-3023	197	27	into	into	ADP
ajfa-3023	197	28	income	income	NOUN
ajfa-3023	197	29	-	-	PUNCT
ajfa-3023	197	30	bearing	bear	VERB
ajfa-3023	197	31	assets	asset	NOUN
ajfa-3023	197	32	to	to	PART
ajfa-3023	197	33	make	make	VERB
ajfa-3023	197	34	profits	profit	NOUN
ajfa-3023	197	35	.	.	PUNCT
ajfa-3023	198	1	given	give	VERB
ajfa-3023	198	2	that	that	SCONJ
ajfa-3023	198	3	the	the	DET
ajfa-3023	198	4	ta2	ta2	PROPN
ajfa-3023	198	5	coefficients	coefficient	NOUN
ajfa-3023	198	6	tend	tend	VERB
ajfa-3023	198	7	to	to	PART
ajfa-3023	198	8	be	be	AUX
ajfa-3023	198	9	positive	positive	ADJ
ajfa-3023	198	10	when	when	SCONJ
ajfa-3023	198	11	risk	risk	NOUN
ajfa-3023	198	12	is	be	AUX
ajfa-3023	198	13	measured	measure	VERB
ajfa-3023	198	14	as	as	ADP
ajfa-3023	198	15	z	z	NOUN
ajfa-3023	198	16	-	-	PUNCT
ajfa-3023	198	17	score	score	NOUN
ajfa-3023	198	18	and	and	CCONJ
ajfa-3023	198	19	significantly	significantly	ADV
ajfa-3023	198	20	negative	negative	ADJ
ajfa-3023	198	21	in	in	ADP
ajfa-3023	198	22	npl	npl	PROPN
ajfa-3023	198	23	estimations	estimation	NOUN
ajfa-3023	198	24	,	,	PUNCT
ajfa-3023	198	25	larger	large	ADJ
ajfa-3023	198	26	banks	bank	NOUN
ajfa-3023	198	27	have	have	VERB
ajfa-3023	198	28	a	a	DET
ajfa-3023	198	29	greater	great	ADJ
ajfa-3023	198	30	potential	potential	NOUN
ajfa-3023	198	31	to	to	PART
ajfa-3023	198	32	reduce	reduce	VERB
ajfa-3023	198	33	risks	risk	NOUN
ajfa-3023	198	34	by	by	ADP
ajfa-3023	198	35	exploiting	exploit	VERB
ajfa-3023	198	36	economies	economy	NOUN
ajfa-3023	198	37	of	of	ADP
ajfa-3023	198	38	scale	scale	NOUN
ajfa-3023	198	39	.	.	PUNCT
ajfa-3023	199	1	figure	figure	NOUN
ajfa-3023	199	2	1	1	NUM
ajfa-3023	199	3	.	.	PUNCT
ajfa-3023	200	1	relationship	relationship	NOUN
ajfa-3023	200	2	between	between	ADP
ajfa-3023	200	3	risks	risk	NOUN
ajfa-3023	200	4	and	and	CCONJ
ajfa-3023	200	5	bank	bank	NOUN
ajfa-3023	200	6	size	size	NOUN
ajfa-3023	200	7	in	in	ADP
ajfa-3023	200	8	the	the	DET
ajfa-3023	200	9	interaction	interaction	NOUN
ajfa-3023	200	10	terms	term	NOUN
ajfa-3023	200	11	used	use	VERB
ajfa-3023	200	12	in	in	ADP
ajfa-3023	200	13	main	main	ADJ
ajfa-3023	200	14	regressions	regression	NOUN
ajfa-3023	200	15	,	,	PUNCT
ajfa-3023	200	16	we	we	PRON
ajfa-3023	200	17	find	find	VERB
ajfa-3023	200	18	that	that	SCONJ
ajfa-3023	200	19	the	the	DET
ajfa-3023	200	20	pattern	pattern	NOUN
ajfa-3023	200	21	of	of	ADP
ajfa-3023	200	22	non	non	ADJ
ajfa-3023	200	23	-	-	ADJ
ajfa-3023	200	24	linear	linear	ADJ
ajfa-3023	200	25	relationship	relationship	NOUN
ajfa-3023	200	26	between	between	ADP
ajfa-3023	200	27	bank	bank	NOUN
ajfa-3023	200	28	size	size	NOUN
ajfa-3023	200	29	and	and	CCONJ
ajfa-3023	200	30	risks	risk	NOUN
ajfa-3023	200	31	is	be	AUX
ajfa-3023	200	32	likely	likely	ADJ
ajfa-3023	200	33	to	to	PART
ajfa-3023	200	34	change	change	VERB
ajfa-3023	200	35	,	,	PUNCT
ajfa-3023	200	36	as	as	SCONJ
ajfa-3023	200	37	illustrated	illustrate	VERB
ajfa-3023	200	38	in	in	ADP
ajfa-3023	200	39	graph	graph	NOUN
ajfa-3023	200	40	1	1	NUM
ajfa-3023	200	41	.	.	PUNCT
ajfa-3023	201	1	the	the	DET
ajfa-3023	201	2	signs	sign	NOUN
ajfa-3023	201	3	of	of	ADP
ajfa-3023	201	4	the	the	DET
ajfa-3023	201	5	ta	ta	PROPN
ajfa-3023	201	6	and	and	CCONJ
ajfa-3023	201	7	ta2	ta2	PROPN
ajfa-3023	201	8	coefficients	coefficient	NOUN
ajfa-3023	201	9	are	be	AUX
ajfa-3023	201	10	opposite	opposite	ADJ
ajfa-3023	201	11	to	to	ADP
ajfa-3023	201	12	those	those	PRON
ajfa-3023	201	13	of	of	ADP
ajfa-3023	201	14	the	the	DET
ajfa-3023	201	15	coefficients	coefficient	NOUN
ajfa-3023	201	16	on	on	ADP
ajfa-3023	201	17	the	the	DET
ajfa-3023	201	18	interaction	interaction	NOUN
ajfa-3023	201	19	terms	term	NOUN
ajfa-3023	201	20	,	,	PUNCT
ajfa-3023	201	21	di	di	NOUN
ajfa-3023	201	22	x	x	SYM
ajfa-3023	201	23	ta	ta	PROPN
ajfa-3023	201	24	and	and	CCONJ
ajfa-3023	201	25	di	di	X
ajfa-3023	201	26	x	x	PROPN
ajfa-3023	201	27	ta2	ta2	PROPN
ajfa-3023	201	28	.	.	PUNCT
ajfa-3023	202	1	on	on	ADP
ajfa-3023	202	2	the	the	DET
ajfa-3023	202	3	other	other	ADJ
ajfa-3023	202	4	hand	hand	NOUN
ajfa-3023	202	5	,	,	PUNCT
ajfa-3023	202	6	the	the	DET
ajfa-3023	202	7	relationship	relationship	NOUN
ajfa-3023	202	8	between	between	ADP
ajfa-3023	202	9	risk	risk	NOUN
ajfa-3023	202	10	-	-	PUNCT
ajfa-3023	202	11	taking	taking	NOUN
ajfa-3023	202	12	and	and	CCONJ
ajfa-3023	202	13	bank	bank	NOUN
ajfa-3023	202	14	size	size	NOUN
ajfa-3023	202	15	becomes	become	VERB
ajfa-3023	202	16	convex	convex	NOUN
ajfa-3023	202	17	(	(	PUNCT
ajfa-3023	202	18	r2	r2	PROPN
ajfa-3023	202	19	)	)	PUNCT
ajfa-3023	202	20	in	in	ADP
ajfa-3023	202	21	terms	term	NOUN
ajfa-3023	202	22	of	of	ADP
ajfa-3023	202	23	z	z	NOUN
ajfa-3023	202	24	-	-	PUNCT
ajfa-3023	202	25	score	score	NOUN
ajfa-3023	202	26	and	and	CCONJ
ajfa-3023	202	27	npl	npl	PRON
ajfa-3023	202	28	when	when	SCONJ
ajfa-3023	202	29	a	a	DET
ajfa-3023	202	30	country	country	NOUN
ajfa-3023	202	31	adopts	adopt	VERB
ajfa-3023	202	32	explicit	explicit	ADJ
ajfa-3023	202	33	deposit	deposit	NOUN
ajfa-3023	202	34	insurance	insurance	NOUN
ajfa-3023	202	35	.	.	PUNCT
ajfa-3023	203	1	for	for	ADP
ajfa-3023	203	2	instance	instance	NOUN
ajfa-3023	203	3	,	,	PUNCT
ajfa-3023	203	4	the	the	DET
ajfa-3023	203	5	effect	effect	NOUN
ajfa-3023	203	6	of	of	ADP
ajfa-3023	203	7	bank	bank	NOUN
ajfa-3023	203	8	size	size	NOUN
ajfa-3023	203	9	is	be	AUX
ajfa-3023	203	10	positive	positive	ADJ
ajfa-3023	203	11	and	and	CCONJ
ajfa-3023	203	12	the	the	DET
ajfa-3023	203	13	effect	effect	NOUN
ajfa-3023	203	14	of	of	ADP
ajfa-3023	203	15	the	the	DET
ajfa-3023	203	16	square	square	NOUN
ajfa-3023	203	17	of	of	ADP
ajfa-3023	203	18	bank	bank	NOUN
ajfa-3023	203	19	size	size	NOUN
ajfa-3023	203	20	is	be	AUX
ajfa-3023	203	21	negative	negative	ADJ
ajfa-3023	203	22	in	in	ADP
ajfa-3023	203	23	countries	country	NOUN
ajfa-3023	203	24	with	with	ADP
ajfa-3023	203	25	a	a	DET
ajfa-3023	203	26	deposit	deposit	NOUN
ajfa-3023	203	27	insurance	insurance	NOUN
ajfa-3023	203	28	scheme	scheme	NOUN
ajfa-3023	203	29	.	.	PUNCT
ajfa-3023	204	1	the	the	DET
ajfa-3023	204	2	negative	negative	ADJ
ajfa-3023	204	3	effect	effect	NOUN
ajfa-3023	204	4	of	of	ADP
ajfa-3023	204	5	di	di	NOUN
ajfa-3023	204	6	x	x	PUNCT
ajfa-3023	204	7	ta	ta	PROPN
ajfa-3023	204	8	is	be	AUX
ajfa-3023	204	9	significant	significant	ADJ
ajfa-3023	204	10	but	but	CCONJ
ajfa-3023	204	11	the	the	DET
ajfa-3023	204	12	positive	positive	ADJ
ajfa-3023	204	13	effect	effect	NOUN
ajfa-3023	204	14	of	of	ADP
ajfa-3023	204	15	di	di	NOUN
ajfa-3023	204	16	x	x	PROPN
ajfa-3023	204	17	ta2	ta2	PROPN
ajfa-3023	204	18	is	be	AUX
ajfa-3023	204	19	statistically	statistically	ADV
ajfa-3023	204	20	insignificant	insignificant	ADJ
ajfa-3023	204	21	in	in	ADP
ajfa-3023	204	22	npl	npl	PROPN
ajfa-3023	204	23	estimation	estimation	NOUN
ajfa-3023	204	24	.	.	PUNCT
ajfa-3023	205	1	the	the	DET
ajfa-3023	205	2	coefficient	coefficient	NOUN
ajfa-3023	205	3	on	on	ADP
ajfa-3023	205	4	the	the	DET
ajfa-3023	205	5	interaction	interaction	NOUN
ajfa-3023	205	6	term	term	NOUN
ajfa-3023	205	7	,	,	PUNCT
ajfa-3023	205	8	di	di	NOUN
ajfa-3023	205	9	x	x	SYM
ajfa-3023	205	10	ta2	ta2	PROPN
ajfa-3023	205	11	,	,	PUNCT
ajfa-3023	205	12	is	be	AUX
ajfa-3023	205	13	significantly	significantly	ADV
ajfa-3023	205	14	positive	positive	ADJ
ajfa-3023	205	15	for	for	ADP
ajfa-3023	205	16	liquidity	liquidity	NOUN
ajfa-3023	205	17	risk	risk	NOUN
ajfa-3023	205	18	estimation	estimation	NOUN
ajfa-3023	205	19	.	.	PUNCT
ajfa-3023	206	1	d	d	X
ajfa-3023	206	2	e	e	X
ajfa-3023	206	3	f	f	PROPN
ajfa-3023	206	4	a	a	DET
ajfa-3023	206	5	u	u	PROPN
ajfa-3023	206	6	l	l	PROPN
ajfa-3023	206	7	t	t	NOUN
ajfa-3023	206	8	&	&	CCONJ
ajfa-3023	206	9	c	c	PROPN
ajfa-3023	206	10	r	r	NOUN
ajfa-3023	206	11	e	e	PROPN
ajfa-3023	207	1	d	d	NOUN
ajfa-3023	207	2	i	i	PRON
ajfa-3023	207	3	t	t	X
ajfa-3023	207	4	r	r	NOUN
ajfa-3023	208	1	i	i	PRON
ajfa-3023	208	2	s	s	VERB
ajfa-3023	208	3	k	k	PROPN
ajfa-3023	208	4	s	s	PROPN
ajfa-3023	208	5	bank	bank	NOUN
ajfa-3023	208	6	size	size	NOUN
ajfa-3023	208	7	r1	r1	PROPN
ajfa-3023	208	8	r2	r2	PROPN
ajfa-3023	208	9	asian	asian	PROPN
ajfa-3023	208	10	journal	journal	PROPN
ajfa-3023	208	11	of	of	ADP
ajfa-3023	208	12	finance	finance	PROPN
ajfa-3023	208	13	&	&	CCONJ
ajfa-3023	208	14	accounting	accounting	PROPN
ajfa-3023	208	15	issn	issn	PROPN
ajfa-3023	208	16	1946	1946	NUM
ajfa-3023	208	17	-	-	PUNCT
ajfa-3023	208	18	052x	052x	NOUN
ajfa-3023	208	19	2013	2013	NUM
ajfa-3023	208	20	,	,	PUNCT
ajfa-3023	208	21	vol	vol	NOUN
ajfa-3023	208	22	.	.	PROPN
ajfa-3023	209	1	5	5	NUM
ajfa-3023	209	2	,	,	PUNCT
ajfa-3023	209	3	no	no	INTJ
ajfa-3023	209	4	.	.	NOUN
ajfa-3023	209	5	1	1	NUM
ajfa-3023	209	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	209	7	116	116	NUM
ajfa-3023	209	8	table	table	NOUN
ajfa-3023	209	9	3	3	NUM
ajfa-3023	209	10	.	.	NOUN
ajfa-3023	209	11	results	result	NOUN
ajfa-3023	209	12	from	from	ADP
ajfa-3023	209	13	estimation	estimation	NOUN
ajfa-3023	209	14	with	with	ADP
ajfa-3023	209	15	deposit	deposit	NOUN
ajfa-3023	209	16	insurance	insurance	NOUN
ajfa-3023	209	17	variables	variable	NOUN
ajfa-3023	209	18	in	in	ADP
ajfa-3023	209	19	column	column	NOUN
ajfa-3023	209	20	(	(	PUNCT
ajfa-3023	209	21	4)-(6	4)-(6	NUM
ajfa-3023	209	22	)	)	PUNCT
ajfa-3023	209	23	of	of	ADP
ajfa-3023	209	24	table	table	NOUN
ajfa-3023	209	25	3	3	NUM
ajfa-3023	209	26	,	,	PUNCT
ajfa-3023	210	1	the	the	DET
ajfa-3023	210	2	coefficients	coefficient	NOUN
ajfa-3023	210	3	on	on	ADP
ajfa-3023	210	4	the	the	DET
ajfa-3023	210	5	deposit	deposit	NOUN
ajfa-3023	210	6	insurance	insurance	NOUN
ajfa-3023	210	7	dummy	dummy	NOUN
ajfa-3023	210	8	are	be	AUX
ajfa-3023	210	9	mostly	mostly	ADV
ajfa-3023	210	10	significant	significant	ADJ
ajfa-3023	210	11	.	.	PUNCT
ajfa-3023	211	1	the	the	DET
ajfa-3023	211	2	di	di	PROPN
ajfa-3023	211	3	coefficient	coefficient	NOUN
ajfa-3023	211	4	becomes	become	VERB
ajfa-3023	211	5	negative	negative	ADJ
ajfa-3023	211	6	at	at	ADP
ajfa-3023	211	7	10	10	NUM
ajfa-3023	211	8	%	%	NOUN
ajfa-3023	211	9	level	level	NOUN
ajfa-3023	211	10	when	when	SCONJ
ajfa-3023	211	11	risk	risk	NOUN
ajfa-3023	211	12	is	be	AUX
ajfa-3023	211	13	measured	measure	VERB
ajfa-3023	211	14	by	by	ADP
ajfa-3023	211	15	npl	npl	PROPN
ajfa-3023	211	16	.	.	PUNCT
ajfa-3023	212	1	in	in	ADP
ajfa-3023	212	2	contrast	contrast	NOUN
ajfa-3023	212	3	,	,	PUNCT
ajfa-3023	212	4	it	it	PRON
ajfa-3023	212	5	has	have	VERB
ajfa-3023	212	6	a	a	DET
ajfa-3023	212	7	significant	significant	ADJ
ajfa-3023	212	8	positive	positive	ADJ
ajfa-3023	212	9	effect	effect	NOUN
ajfa-3023	212	10	on	on	ADP
ajfa-3023	212	11	banks	bank	NOUN
ajfa-3023	212	12	’	'	PUNCT
ajfa-3023	212	13	liquidity	liquidity	NOUN
ajfa-3023	212	14	.	.	PUNCT
ajfa-3023	213	1	given	give	VERB
ajfa-3023	213	2	the	the	DET
ajfa-3023	213	3	theoretical	theoretical	ADJ
ajfa-3023	213	4	argument	argument	NOUN
ajfa-3023	213	5	that	that	SCONJ
ajfa-3023	213	6	the	the	DET
ajfa-3023	213	7	introduction	introduction	NOUN
ajfa-3023	213	8	of	of	ADP
ajfa-3023	213	9	deposit	deposit	NOUN
ajfa-3023	213	10	insurance	insurance	NOUN
ajfa-3023	213	11	helps	help	VERB
ajfa-3023	213	12	stabilize	stabilize	VERB
ajfa-3023	213	13	the	the	DET
ajfa-3023	213	14	financial	financial	ADJ
ajfa-3023	213	15	market	market	NOUN
ajfa-3023	213	16	in	in	ADP
ajfa-3023	213	17	the	the	DET
ajfa-3023	213	18	short	short	ADJ
ajfa-3023	213	19	run	run	NOUN
ajfa-3023	213	20	,	,	PUNCT
ajfa-3023	213	21	this	this	DET
ajfa-3023	213	22	positive	positive	ADJ
ajfa-3023	213	23	effect	effect	NOUN
ajfa-3023	213	24	of	of	ADP
ajfa-3023	213	25	explicit	explicit	ADJ
ajfa-3023	213	26	deposit	deposit	NOUN
ajfa-3023	213	27	insurance	insurance	NOUN
ajfa-3023	213	28	is	be	AUX
ajfa-3023	213	29	not	not	PART
ajfa-3023	213	30	necessarily	necessarily	ADV
ajfa-3023	213	31	surprising	surprising	ADJ
ajfa-3023	213	32	.	.	PUNCT
ajfa-3023	214	1	there	there	PRON
ajfa-3023	214	2	are	be	VERB
ajfa-3023	214	3	a	a	DET
ajfa-3023	214	4	number	number	NOUN
ajfa-3023	214	5	of	of	ADP
ajfa-3023	214	6	cases	case	NOUN
ajfa-3023	214	7	in	in	ADP
ajfa-3023	214	8	asia	asia	PROPN
ajfa-3023	214	9	where	where	SCONJ
ajfa-3023	214	10	the	the	DET
ajfa-3023	214	11	deposit	deposit	NOUN
ajfa-3023	214	12	insurance	insurance	NOUN
ajfa-3023	214	13	helped	help	VERB
ajfa-3023	214	14	prevent	prevent	VERB
ajfa-3023	214	15	bank	bank	NOUN
ajfa-3023	214	16	runs	run	NOUN
ajfa-3023	214	17	in	in	ADP
ajfa-3023	214	18	the	the	DET
ajfa-3023	214	19	short	short	ADJ
ajfa-3023	214	20	term	term	NOUN
ajfa-3023	214	21	(	(	PUNCT
ajfa-3023	214	22	i.e.	i.e.	X
ajfa-3023	214	23	,	,	PUNCT
ajfa-3023	214	24	asian	asian	ADJ
ajfa-3023	214	25	financial	financial	ADJ
ajfa-3023	214	26	crisis	crisis	NOUN
ajfa-3023	214	27	in	in	ADP
ajfa-3023	214	28	1997	1997	NUM
ajfa-3023	214	29	and	and	CCONJ
ajfa-3023	214	30	mongolia	mongolia	PROPN
ajfa-3023	214	31	in	in	ADP
ajfa-3023	214	32	2008	2008	NUM
ajfa-3023	214	33	)	)	PUNCT
ajfa-3023	214	34	.	.	PUNCT
ajfa-3023	215	1	in	in	ADP
ajfa-3023	215	2	liquidity	liquidity	NOUN
ajfa-3023	215	3	risk	risk	NOUN
ajfa-3023	215	4	estimations	estimation	NOUN
ajfa-3023	215	5	,	,	PUNCT
ajfa-3023	215	6	the	the	DET
ajfa-3023	215	7	statistically	statistically	ADV
ajfa-3023	215	8	significant	significant	ADJ
ajfa-3023	215	9	positive	positive	ADJ
ajfa-3023	215	10	coefficients	coefficient	NOUN
ajfa-3023	215	11	of	of	ADP
ajfa-3023	215	12	nii	nii	PROPN
ajfa-3023	215	13	explain	explain	VERB
ajfa-3023	215	14	that	that	SCONJ
ajfa-3023	215	15	revenue	revenue	NOUN
ajfa-3023	215	16	diversification	diversification	NOUN
ajfa-3023	215	17	increase	increase	VERB
ajfa-3023	215	18	bank	bank	NOUN
ajfa-3023	215	19	liquidity	liquidity	NOUN
ajfa-3023	215	20	;	;	PUNCT
ajfa-3023	215	21	thus	thus	ADV
ajfa-3023	215	22	decrease	decrease	VERB
ajfa-3023	215	23	liquidity	liquidity	NOUN
ajfa-3023	215	24	risk	risk	NOUN
ajfa-3023	215	25	.	.	PUNCT
ajfa-3023	216	1	this	this	DET
ajfa-3023	216	2	finding	finding	NOUN
ajfa-3023	216	3	is	be	AUX
ajfa-3023	216	4	in	in	ADP
ajfa-3023	216	5	line	line	NOUN
ajfa-3023	216	6	with	with	ADP
ajfa-3023	216	7	what	what	PRON
ajfa-3023	216	8	the	the	DET
ajfa-3023	216	9	modern	modern	ADJ
ajfa-3023	216	10	portfolio	portfolio	NOUN
ajfa-3023	216	11	theory	theory	NOUN
ajfa-3023	216	12	suggests	suggest	VERB
ajfa-3023	216	13	.	.	PUNCT
ajfa-3023	217	1	it	it	PRON
ajfa-3023	217	2	implies	imply	VERB
ajfa-3023	217	3	that	that	SCONJ
ajfa-3023	217	4	banks	bank	NOUN
ajfa-3023	217	5	liquidity	liquidity	NOUN
ajfa-3023	217	6	risk	risk	NOUN
ajfa-3023	217	7	can	can	AUX
ajfa-3023	217	8	be	be	AUX
ajfa-3023	217	9	reduced	reduce	VERB
ajfa-3023	217	10	through	through	ADP
ajfa-3023	217	11	diversifying	diversify	VERB
ajfa-3023	217	12	their	their	PRON
ajfa-3023	217	13	income	income	NOUN
ajfa-3023	217	14	sources	source	NOUN
ajfa-3023	217	15	.	.	PUNCT
ajfa-3023	218	1	in	in	ADP
ajfa-3023	218	2	z	z	NOUN
ajfa-3023	218	3	-	-	PUNCT
ajfa-3023	218	4	score	score	NOUN
ajfa-3023	218	5	regressions	regression	NOUN
ajfa-3023	218	6	,	,	PUNCT
ajfa-3023	218	7	depba	depba	NOUN
ajfa-3023	218	8	is	be	AUX
ajfa-3023	218	9	negatively	negatively	ADV
ajfa-3023	218	10	correlated	correlate	VERB
ajfa-3023	218	11	with	with	ADP
ajfa-3023	218	12	z	z	NOUN
ajfa-3023	218	13	-	-	PUNCT
ajfa-3023	218	14	score	score	NOUN
ajfa-3023	218	15	.	.	PUNCT
ajfa-3023	219	1	it	it	PRON
ajfa-3023	219	2	implies	imply	VERB
ajfa-3023	219	3	that	that	SCONJ
ajfa-3023	219	4	an	an	DET
ajfa-3023	219	5	increase	increase	NOUN
ajfa-3023	219	6	in	in	ADP
ajfa-3023	219	7	interbank	interbank	NOUN
ajfa-3023	219	8	deposits	deposit	NOUN
ajfa-3023	219	9	may	may	AUX
ajfa-3023	219	10	have	have	VERB
ajfa-3023	219	11	a	a	DET
ajfa-3023	219	12	negative	negative	ADJ
ajfa-3023	219	13	effect	effect	NOUN
ajfa-3023	219	14	on	on	ADP
ajfa-3023	219	15	overall	overall	ADJ
ajfa-3023	219	16	default	default	NOUN
ajfa-3023	219	17	risk	risk	NOUN
ajfa-3023	219	18	because	because	SCONJ
ajfa-3023	219	19	of	of	ADP
ajfa-3023	219	20	the	the	DET
ajfa-3023	219	21	contagion	contagion	NOUN
ajfa-3023	219	22	risk	risk	NOUN
ajfa-3023	219	23	involved	involve	VERB
ajfa-3023	219	24	.	.	PUNCT
ajfa-3023	220	1	in	in	ADP
ajfa-3023	220	2	the	the	DET
ajfa-3023	220	3	case	case	NOUN
ajfa-3023	220	4	of	of	ADP
ajfa-3023	220	5	blanket	blanket	NOUN
ajfa-3023	220	6	guarantee	guarantee	NOUN
ajfa-3023	220	7	,	,	PUNCT
ajfa-3023	220	8	we	we	PRON
ajfa-3023	220	9	observe	observe	VERB
ajfa-3023	220	10	that	that	SCONJ
ajfa-3023	220	11	interbank	interbank	NOUN
ajfa-3023	220	12	deposits	deposit	NOUN
ajfa-3023	220	13	tend	tend	VERB
ajfa-3023	220	14	to	to	PART
ajfa-3023	220	15	increase	increase	VERB
ajfa-3023	220	16	because	because	SCONJ
ajfa-3023	220	17	the	the	DET
ajfa-3023	220	18	guarantee	guarantee	NOUN
ajfa-3023	220	19	encourages	encourage	VERB
ajfa-3023	220	20	banks	bank	NOUN
ajfa-3023	220	21	to	to	PART
ajfa-3023	220	22	increase	increase	VERB
ajfa-3023	220	23	investments	investment	NOUN
ajfa-3023	220	24	in	in	ADP
ajfa-3023	220	25	the	the	DET
ajfa-3023	220	26	protected	protect	VERB
ajfa-3023	220	27	assets	asset	NOUN
ajfa-3023	220	28	.	.	PUNCT
ajfa-3023	221	1	the	the	DET
ajfa-3023	221	2	coefficients	coefficient	NOUN
ajfa-3023	221	3	are	be	AUX
ajfa-3023	221	4	statistically	statistically	ADV
ajfa-3023	221	5	insignificant	insignificant	ADJ
ajfa-3023	221	6	in	in	ADP
ajfa-3023	221	7	other	other	ADJ
ajfa-3023	221	8	estimations	estimation	NOUN
ajfa-3023	221	9	(	(	PUNCT
ajfa-3023	221	10	except	except	SCONJ
ajfa-3023	221	11	in	in	ADP
ajfa-3023	221	12	specification	specification	NOUN
ajfa-3023	221	13	6	6	NUM
ajfa-3023	221	14	where	where	SCONJ
ajfa-3023	221	15	the	the	DET
ajfa-3023	221	16	dependent	dependent	ADJ
ajfa-3023	221	17	variable	variable	NOUN
ajfa-3023	221	18	is	be	AUX
ajfa-3023	221	19	liquid	liquid	ADJ
ajfa-3023	221	20	)	)	PUNCT
ajfa-3023	221	21	.	.	PUNCT
ajfa-3023	222	1	however	however	ADV
ajfa-3023	222	2	,	,	PUNCT
ajfa-3023	222	3	the	the	DET
ajfa-3023	222	4	empirical	empirical	ADJ
ajfa-3023	222	5	results	result	NOUN
ajfa-3023	222	6	on	on	ADP
ajfa-3023	222	7	the	the	DET
ajfa-3023	222	8	interaction	interaction	NOUN
ajfa-3023	222	9	term	term	NOUN
ajfa-3023	222	10	,	,	PUNCT
ajfa-3023	222	11	di	di	NOUN
ajfa-3023	222	12	x	x	NOUN
ajfa-3023	222	13	depba	depba	NOUN
ajfa-3023	222	14	,	,	PUNCT
ajfa-3023	222	15	are	be	AUX
ajfa-3023	222	16	mixed	mixed	ADJ
ajfa-3023	222	17	and	and	CCONJ
ajfa-3023	222	18	additional	additional	ADJ
ajfa-3023	222	19	test	test	NOUN
ajfa-3023	222	20	results	result	NOUN
ajfa-3023	222	21	are	be	AUX
ajfa-3023	222	22	discussed	discuss	VERB
ajfa-3023	222	23	below	below	ADV
ajfa-3023	222	24	.	.	PUNCT
ajfa-3023	223	1	these	these	DET
ajfa-3023	223	2	(	(	PUNCT
ajfa-3023	223	3	1	1	NUM
ajfa-3023	223	4	)	)	PUNCT
ajfa-3023	223	5	(	(	PUNCT
ajfa-3023	223	6	2	2	NUM
ajfa-3023	223	7	)	)	PUNCT
ajfa-3023	223	8	(	(	PUNCT
ajfa-3023	223	9	3	3	X
ajfa-3023	223	10	)	)	PUNCT
ajfa-3023	223	11	(	(	PUNCT
ajfa-3023	223	12	4	4	NUM
ajfa-3023	223	13	)	)	PUNCT
ajfa-3023	223	14	(	(	PUNCT
ajfa-3023	223	15	5	5	NUM
ajfa-3023	223	16	)	)	PUNCT
ajfa-3023	223	17	(	(	PUNCT
ajfa-3023	223	18	6	6	X
ajfa-3023	223	19	)	)	PUNCT
ajfa-3023	223	20	variables	variable	NOUN
ajfa-3023	223	21	z	z	NOUN
ajfa-3023	223	22	npl	npl	PROPN
ajfa-3023	223	23	liquid	liquid	PROPN
ajfa-3023	223	24	z	z	PROPN
ajfa-3023	223	25	npl	npl	NOUN
ajfa-3023	223	26	liquid	liquid	NOUN
ajfa-3023	223	27	ta	ta	ADP
ajfa-3023	223	28	-0.736	-0.736	PROPN
ajfa-3023	223	29	*	*	PUNCT
ajfa-3023	224	1	*	*	PUNCT
ajfa-3023	224	2	*	*	PUNCT
ajfa-3023	224	3	0.020	0.020	NUM
ajfa-3023	224	4	*	*	PUNCT
ajfa-3023	224	5	*	*	PUNCT
ajfa-3023	225	1	0.111	0.111	NUM
ajfa-3023	225	2	*	*	PUNCT
ajfa-3023	225	3	*	*	PUNCT
ajfa-3023	225	4	*	*	PUNCT
ajfa-3023	225	5	-0.691	-0.691	PUNCT
ajfa-3023	225	6	*	*	PUNCT
ajfa-3023	225	7	*	*	PUNCT
ajfa-3023	225	8	*	*	PUNCT
ajfa-3023	225	9	0.019	0.019	NUM
ajfa-3023	225	10	*	*	PUNCT
ajfa-3023	225	11	0.097	0.097	NUM
ajfa-3023	225	12	*	*	PUNCT
ajfa-3023	225	13	*	*	PUNCT
ajfa-3023	225	14	*	*	PUNCT
ajfa-3023	225	15	(	(	PUNCT
ajfa-3023	225	16	0.231	0.231	NUM
ajfa-3023	225	17	)	)	PUNCT
ajfa-3023	225	18	(	(	PUNCT
ajfa-3023	225	19	0.010	0.010	NUM
ajfa-3023	225	20	)	)	PUNCT
ajfa-3023	225	21	(	(	PUNCT
ajfa-3023	225	22	0.040	0.040	NUM
ajfa-3023	225	23	)	)	PUNCT
ajfa-3023	225	24	(	(	PUNCT
ajfa-3023	225	25	0.229	0.229	NUM
ajfa-3023	225	26	)	)	PUNCT
ajfa-3023	225	27	(	(	PUNCT
ajfa-3023	225	28	0.010	0.010	NUM
ajfa-3023	225	29	)	)	PUNCT
ajfa-3023	225	30	(	(	PUNCT
ajfa-3023	225	31	0.035	0.035	NUM
ajfa-3023	225	32	)	)	PUNCT
ajfa-3023	225	33	ta2	ta2	PROPN
ajfa-3023	225	34	0.025	0.025	NUM
ajfa-3023	225	35	*	*	PUNCT
ajfa-3023	225	36	*	*	PUNCT
ajfa-3023	225	37	*	*	PUNCT
ajfa-3023	225	38	-0.001	-0.001	PUNCT
ajfa-3023	226	1	*	*	PUNCT
ajfa-3023	226	2	*	*	PUNCT
ajfa-3023	226	3	*	*	PUNCT
ajfa-3023	227	1	-0.005	-0.005	PUNCT
ajfa-3023	228	1	*	*	PUNCT
ajfa-3023	228	2	*	*	PUNCT
ajfa-3023	228	3	*	*	PUNCT
ajfa-3023	228	4	0.023	0.023	NUM
ajfa-3023	228	5	*	*	PUNCT
ajfa-3023	228	6	*	*	PUNCT
ajfa-3023	228	7	*	*	PUNCT
ajfa-3023	228	8	-0.001	-0.001	PUNCT
ajfa-3023	229	1	*	*	PUNCT
ajfa-3023	229	2	*	*	PUNCT
ajfa-3023	229	3	*	*	PUNCT
ajfa-3023	230	1	-0.005	-0.005	PUNCT
ajfa-3023	231	1	*	*	PUNCT
ajfa-3023	231	2	*	*	PUNCT
ajfa-3023	231	3	*	*	PUNCT
ajfa-3023	231	4	(	(	PUNCT
ajfa-3023	231	5	0.008	0.008	NUM
ajfa-3023	231	6	)	)	PUNCT
ajfa-3023	231	7	(	(	PUNCT
ajfa-3023	231	8	0.000	0.000	NUM
ajfa-3023	231	9	)	)	PUNCT
ajfa-3023	231	10	(	(	PUNCT
ajfa-3023	231	11	0.002	0.002	NUM
ajfa-3023	231	12	)	)	PUNCT
ajfa-3023	231	13	(	(	PUNCT
ajfa-3023	231	14	0.008	0.008	NUM
ajfa-3023	231	15	)	)	PUNCT
ajfa-3023	231	16	(	(	PUNCT
ajfa-3023	231	17	0.000	0.000	NUM
ajfa-3023	231	18	)	)	PUNCT
ajfa-3023	231	19	(	(	PUNCT
ajfa-3023	231	20	0.002	0.002	NUM
ajfa-3023	231	21	)	)	PUNCT
ajfa-3023	231	22	td	td	NOUN
ajfa-3023	231	23	-0.697	-0.697	PUNCT
ajfa-3023	232	1	-0.075	-0.075	NUM
ajfa-3023	232	2	-0.294	-0.294	X
ajfa-3023	232	3	-0.675	-0.675	PUNCT
ajfa-3023	233	1	-0.080	-0.080	X
ajfa-3023	233	2	-0.318	-0.318	PUNCT
ajfa-3023	233	3	(	(	PUNCT
ajfa-3023	233	4	0.457	0.457	NUM
ajfa-3023	233	5	)	)	PUNCT
ajfa-3023	233	6	(	(	PUNCT
ajfa-3023	233	7	0.080	0.080	NUM
ajfa-3023	233	8	)	)	PUNCT
ajfa-3023	233	9	(	(	PUNCT
ajfa-3023	233	10	0.559	0.559	NUM
ajfa-3023	233	11	)	)	PUNCT
ajfa-3023	233	12	(	(	PUNCT
ajfa-3023	233	13	0.459	0.459	NUM
ajfa-3023	233	14	)	)	PUNCT
ajfa-3023	233	15	(	(	PUNCT
ajfa-3023	233	16	0.081	0.081	NUM
ajfa-3023	233	17	)	)	PUNCT
ajfa-3023	233	18	(	(	PUNCT
ajfa-3023	233	19	0.567	0.567	NUM
ajfa-3023	233	20	)	)	PUNCT
ajfa-3023	233	21	depba	depba	NOUN
ajfa-3023	233	22	-0.745	-0.745	NOUN
ajfa-3023	233	23	*	*	PUNCT
ajfa-3023	233	24	-0.033	-0.033	PROPN
ajfa-3023	233	25	0.196	0.196	NUM
ajfa-3023	233	26	-0.658	-0.658	PUNCT
ajfa-3023	233	27	-0.010	-0.010	PUNCT
ajfa-3023	233	28	0.733	0.733	NUM
ajfa-3023	233	29	*	*	SYM
ajfa-3023	233	30	(	(	PUNCT
ajfa-3023	233	31	0.413	0.413	NUM
ajfa-3023	233	32	)	)	PUNCT
ajfa-3023	233	33	(	(	PUNCT
ajfa-3023	233	34	0.077	0.077	NUM
ajfa-3023	233	35	)	)	PUNCT
ajfa-3023	233	36	(	(	PUNCT
ajfa-3023	233	37	0.196	0.196	NUM
ajfa-3023	233	38	)	)	PUNCT
ajfa-3023	233	39	(	(	PUNCT
ajfa-3023	233	40	0.449	0.449	NUM
ajfa-3023	233	41	)	)	PUNCT
ajfa-3023	233	42	(	(	PUNCT
ajfa-3023	233	43	0.083	0.083	NUM
ajfa-3023	233	44	)	)	PUNCT
ajfa-3023	233	45	(	(	PUNCT
ajfa-3023	233	46	0.378	0.378	NUM
ajfa-3023	233	47	)	)	PUNCT
ajfa-3023	233	48	nii	nii	PROPN
ajfa-3023	233	49	-0.081	-0.081	PROPN
ajfa-3023	233	50	0.019	0.019	NUM
ajfa-3023	233	51	0.110	0.110	NUM
ajfa-3023	233	52	*	*	PUNCT
ajfa-3023	233	53	*	*	PUNCT
ajfa-3023	233	54	-0.080	-0.080	NOUN
ajfa-3023	234	1	0.020	0.020	NUM
ajfa-3023	234	2	0.117	0.117	NUM
ajfa-3023	234	3	*	*	PUNCT
ajfa-3023	234	4	*	*	PUNCT
ajfa-3023	234	5	(	(	PUNCT
ajfa-3023	234	6	0.112	0.112	NUM
ajfa-3023	234	7	)	)	PUNCT
ajfa-3023	234	8	(	(	PUNCT
ajfa-3023	234	9	0.021	0.021	NUM
ajfa-3023	234	10	)	)	PUNCT
ajfa-3023	234	11	(	(	PUNCT
ajfa-3023	234	12	0.053	0.053	NUM
ajfa-3023	234	13	)	)	PUNCT
ajfa-3023	234	14	(	(	PUNCT
ajfa-3023	234	15	0.112	0.112	NUM
ajfa-3023	234	16	)	)	PUNCT
ajfa-3023	234	17	(	(	PUNCT
ajfa-3023	234	18	0.021	0.021	NUM
ajfa-3023	234	19	)	)	PUNCT
ajfa-3023	234	20	(	(	PUNCT
ajfa-3023	234	21	0.054	0.054	NUM
ajfa-3023	234	22	)	)	PUNCT
ajfa-3023	234	23	di	di	NOUN
ajfa-3023	234	24	0.073	0.073	NUM
ajfa-3023	234	25	-0.023	-0.023	NOUN
ajfa-3023	234	26	*	*	PUNCT
ajfa-3023	234	27	*	*	PUNCT
ajfa-3023	234	28	*	*	PUNCT
ajfa-3023	234	29	0.122	0.122	NUM
ajfa-3023	234	30	*	*	SYM
ajfa-3023	234	31	(	(	PUNCT
ajfa-3023	234	32	0.055	0.055	NUM
ajfa-3023	234	33	)	)	PUNCT
ajfa-3023	234	34	(	(	PUNCT
ajfa-3023	234	35	0.009	0.009	NUM
ajfa-3023	234	36	)	)	PUNCT
ajfa-3023	234	37	(	(	PUNCT
ajfa-3023	234	38	0.066	0.066	NUM
ajfa-3023	234	39	)	)	PUNCT
ajfa-3023	234	40	di	di	NOUN
ajfa-3023	234	41	x	x	PUNCT
ajfa-3023	234	42	ta	ta	ADP
ajfa-3023	234	43	0.057	0.057	NUM
ajfa-3023	234	44	*	*	NOUN
ajfa-3023	234	45	*	*	PUNCT
ajfa-3023	234	46	-0.009	-0.009	X
ajfa-3023	234	47	*	*	NOUN
ajfa-3023	234	48	-0.024	-0.024	X
ajfa-3023	234	49	(	(	PUNCT
ajfa-3023	234	50	0.028	0.028	NUM
ajfa-3023	234	51	)	)	PUNCT
ajfa-3023	234	52	(	(	PUNCT
ajfa-3023	234	53	0.005	0.005	NUM
ajfa-3023	234	54	)	)	PUNCT
ajfa-3023	234	55	(	(	PUNCT
ajfa-3023	234	56	0.016	0.016	NUM
ajfa-3023	234	57	)	)	PUNCT
ajfa-3023	234	58	di	di	NOUN
ajfa-3023	234	59	x	x	SYM
ajfa-3023	234	60	ta2	ta2	PROPN
ajfa-3023	234	61	-0.003	-0.003	PROPN
ajfa-3023	234	62	*	*	PUNCT
ajfa-3023	234	63	*	*	PUNCT
ajfa-3023	235	1	0.000	0.000	NUM
ajfa-3023	235	2	0.002	0.002	NUM
ajfa-3023	235	3	*	*	PUNCT
ajfa-3023	235	4	(	(	PUNCT
ajfa-3023	235	5	0.002	0.002	NUM
ajfa-3023	235	6	)	)	PUNCT
ajfa-3023	235	7	(	(	PUNCT
ajfa-3023	235	8	0.000	0.000	NUM
ajfa-3023	235	9	)	)	PUNCT
ajfa-3023	235	10	(	(	PUNCT
ajfa-3023	235	11	0.001	0.001	NUM
ajfa-3023	235	12	)	)	PUNCT
ajfa-3023	235	13	di	di	NOUN
ajfa-3023	235	14	x	x	NOUN
ajfa-3023	235	15	depba	depba	NOUN
ajfa-3023	235	16	-0.150	-0.150	INTJ
ajfa-3023	235	17	-0.058	-0.058	PROPN
ajfa-3023	235	18	-0.984	-0.984	PROPN
ajfa-3023	235	19	(	(	PUNCT
ajfa-3023	235	20	0.327	0.327	NUM
ajfa-3023	235	21	)	)	PUNCT
ajfa-3023	235	22	(	(	PUNCT
ajfa-3023	235	23	0.063	0.063	NUM
ajfa-3023	235	24	)	)	PUNCT
ajfa-3023	235	25	(	(	PUNCT
ajfa-3023	235	26	0.663	0.663	NUM
ajfa-3023	235	27	)	)	PUNCT
ajfa-3023	235	28	gdp	gdp	NOUN
ajfa-3023	235	29	0.416	0.416	NUM
ajfa-3023	235	30	-0.431	-0.431	NOUN
ajfa-3023	235	31	*	*	PUNCT
ajfa-3023	235	32	*	*	PUNCT
ajfa-3023	235	33	*	*	PUNCT
ajfa-3023	235	34	-0.365	-0.365	PUNCT
ajfa-3023	235	35	0.538	0.538	NUM
ajfa-3023	235	36	-0.449	-0.449	NOUN
ajfa-3023	235	37	*	*	PUNCT
ajfa-3023	235	38	*	*	PUNCT
ajfa-3023	235	39	*	*	PUNCT
ajfa-3023	235	40	-0.505	-0.505	PRON
ajfa-3023	235	41	(	(	PUNCT
ajfa-3023	235	42	0.331	0.331	NUM
ajfa-3023	235	43	)	)	PUNCT
ajfa-3023	235	44	(	(	PUNCT
ajfa-3023	235	45	0.103	0.103	NUM
ajfa-3023	235	46	)	)	PUNCT
ajfa-3023	235	47	(	(	PUNCT
ajfa-3023	235	48	0.819	0.819	NUM
ajfa-3023	235	49	)	)	PUNCT
ajfa-3023	235	50	(	(	PUNCT
ajfa-3023	235	51	0.333	0.333	NUM
ajfa-3023	235	52	)	)	PUNCT
ajfa-3023	235	53	(	(	PUNCT
ajfa-3023	235	54	0.104	0.104	NUM
ajfa-3023	235	55	)	)	PUNCT
ajfa-3023	235	56	(	(	PUNCT
ajfa-3023	235	57	0.849	0.849	NUM
ajfa-3023	235	58	)	)	PUNCT
ajfa-3023	235	59	inf	inf	NOUN
ajfa-3023	235	60	0.258	0.258	NUM
ajfa-3023	235	61	0.257	0.257	NUM
ajfa-3023	235	62	*	*	NOUN
ajfa-3023	235	63	0.109	0.109	NUM
ajfa-3023	235	64	0.148	0.148	NUM
ajfa-3023	235	65	0.277	0.277	NUM
ajfa-3023	235	66	*	*	PUNCT
ajfa-3023	235	67	*	*	PUNCT
ajfa-3023	235	68	0.245	0.245	NUM
ajfa-3023	235	69	(	(	PUNCT
ajfa-3023	235	70	0.552	0.552	NUM
ajfa-3023	235	71	)	)	PUNCT
ajfa-3023	235	72	(	(	PUNCT
ajfa-3023	235	73	0.135	0.135	NUM
ajfa-3023	235	74	)	)	PUNCT
ajfa-3023	235	75	(	(	PUNCT
ajfa-3023	235	76	0.312	0.312	NUM
ajfa-3023	235	77	)	)	PUNCT
ajfa-3023	235	78	(	(	PUNCT
ajfa-3023	235	79	0.551	0.551	NUM
ajfa-3023	235	80	)	)	PUNCT
ajfa-3023	235	81	(	(	PUNCT
ajfa-3023	235	82	0.134	0.134	NUM
ajfa-3023	235	83	)	)	PUNCT
ajfa-3023	235	84	(	(	PUNCT
ajfa-3023	235	85	0.278	0.278	NUM
ajfa-3023	235	86	)	)	PUNCT
ajfa-3023	235	87	rint	rint	NOUN
ajfa-3023	235	88	0.008	0.008	NUM
ajfa-3023	235	89	0.186	0.186	NUM
ajfa-3023	235	90	-0.084	-0.084	PUNCT
ajfa-3023	235	91	-0.094	-0.094	VERB
ajfa-3023	235	92	0.207	0.207	NUM
ajfa-3023	235	93	0.074	0.074	NUM
ajfa-3023	235	94	(	(	PUNCT
ajfa-3023	235	95	0.565	0.565	NUM
ajfa-3023	235	96	)	)	PUNCT
ajfa-3023	235	97	(	(	PUNCT
ajfa-3023	235	98	0.135	0.135	NUM
ajfa-3023	235	99	)	)	PUNCT
ajfa-3023	235	100	(	(	PUNCT
ajfa-3023	235	101	0.855	0.855	NUM
ajfa-3023	235	102	)	)	PUNCT
ajfa-3023	235	103	(	(	PUNCT
ajfa-3023	235	104	0.562	0.562	NUM
ajfa-3023	235	105	)	)	PUNCT
ajfa-3023	235	106	(	(	PUNCT
ajfa-3023	235	107	0.132	0.132	NUM
ajfa-3023	235	108	)	)	PUNCT
ajfa-3023	235	109	(	(	PUNCT
ajfa-3023	235	110	0.801	0.801	NUM
ajfa-3023	235	111	)	)	PUNCT
ajfa-3023	235	112	law	law	NOUN
ajfa-3023	235	113	0.135	0.135	NUM
ajfa-3023	235	114	*	*	NOUN
ajfa-3023	235	115	0.009	0.009	NUM
ajfa-3023	235	116	-0.107	-0.107	NUM
ajfa-3023	235	117	0.112	0.112	NUM
ajfa-3023	235	118	0.012	0.012	NUM
ajfa-3023	235	119	-0.100	-0.100	PUNCT
ajfa-3023	235	120	(	(	PUNCT
ajfa-3023	235	121	0.072	0.072	NUM
ajfa-3023	235	122	)	)	PUNCT
ajfa-3023	235	123	(	(	PUNCT
ajfa-3023	235	124	0.011	0.011	NUM
ajfa-3023	235	125	)	)	PUNCT
ajfa-3023	235	126	(	(	PUNCT
ajfa-3023	235	127	0.079	0.079	NUM
ajfa-3023	235	128	)	)	PUNCT
ajfa-3023	235	129	(	(	PUNCT
ajfa-3023	235	130	0.070	0.070	NUM
ajfa-3023	235	131	)	)	PUNCT
ajfa-3023	235	132	(	(	PUNCT
ajfa-3023	235	133	0.010	0.010	NUM
ajfa-3023	235	134	)	)	PUNCT
ajfa-3023	235	135	(	(	PUNCT
ajfa-3023	235	136	0.083	0.083	NUM
ajfa-3023	235	137	)	)	PUNCT
ajfa-3023	235	138	intercept	intercept	VERB
ajfa-3023	235	139	8.407	8.407	NUM
ajfa-3023	235	140	*	*	PUNCT
ajfa-3023	235	141	*	*	PUNCT
ajfa-3023	235	142	*	*	PUNCT
ajfa-3023	235	143	0.176	0.176	NUM
ajfa-3023	235	144	*	*	PUNCT
ajfa-3023	235	145	*	*	PUNCT
ajfa-3023	235	146	*	*	PUNCT
ajfa-3023	235	147	0.112	0.112	NUM
ajfa-3023	235	148	8.206	8.206	NUM
ajfa-3023	235	149	*	*	PUNCT
ajfa-3023	235	150	*	*	PUNCT
ajfa-3023	235	151	*	*	PUNCT
ajfa-3023	235	152	0.177	0.177	NUM
ajfa-3023	235	153	*	*	PUNCT
ajfa-3023	235	154	*	*	PUNCT
ajfa-3023	235	155	*	*	X
ajfa-3023	235	156	0.110	0.110	NUM
ajfa-3023	235	157	(	(	PUNCT
ajfa-3023	235	158	1.479	1.479	NUM
ajfa-3023	235	159	)	)	PUNCT
ajfa-3023	235	160	(	(	PUNCT
ajfa-3023	235	161	0.056	0.056	NUM
ajfa-3023	235	162	)	)	PUNCT
ajfa-3023	235	163	(	(	PUNCT
ajfa-3023	235	164	0.351	0.351	NUM
ajfa-3023	235	165	)	)	PUNCT
ajfa-3023	235	166	(	(	PUNCT
ajfa-3023	235	167	1.476	1.476	NUM
ajfa-3023	235	168	)	)	PUNCT
ajfa-3023	235	169	(	(	PUNCT
ajfa-3023	235	170	0.057	0.057	NUM
ajfa-3023	235	171	)	)	PUNCT
ajfa-3023	235	172	(	(	PUNCT
ajfa-3023	235	173	0.359	0.359	NUM
ajfa-3023	235	174	)	)	PUNCT
ajfa-3023	235	175	wald	wald	NOUN
ajfa-3023	235	176	chi2	chi2	PROPN
ajfa-3023	235	177	41.12	41.12	NUM
ajfa-3023	235	178	112.92	112.92	NUM
ajfa-3023	235	179	33.42	33.42	NUM
ajfa-3023	235	180	40.46	40.46	NUM
ajfa-3023	235	181	97.63	97.63	NUM
ajfa-3023	235	182	31.72	31.72	NUM
ajfa-3023	235	183	wald	wald	X
ajfa-3023	235	184	p	p	NOUN
ajfa-3023	235	185	-	-	PUNCT
ajfa-3023	235	186	stat	stat	NOUN
ajfa-3023	235	187	0.00	0.00	NUM
ajfa-3023	235	188	0.00	0.00	NUM
ajfa-3023	235	189	0.00	0.00	NUM
ajfa-3023	235	190	0.00	0.00	NUM
ajfa-3023	235	191	0.00	0.00	NUM
ajfa-3023	235	192	0.00	0.00	NUM
ajfa-3023	235	193	no	no	NOUN
ajfa-3023	235	194	.	.	PUNCT
ajfa-3023	235	195	of	of	ADP
ajfa-3023	235	196	obs	obs	PROPN
ajfa-3023	235	197	.	.	PUNCT
ajfa-3023	236	1	1,899	1,899	NUM
ajfa-3023	236	2	1,702	1,702	NUM
ajfa-3023	236	3	1,789	1,789	NUM
ajfa-3023	236	4	1,899	1,899	NUM
ajfa-3023	236	5	1,702	1,702	NUM
ajfa-3023	236	6	1,789	1,789	NUM
ajfa-3023	236	7	number	number	NOUN
ajfa-3023	236	8	of	of	ADP
ajfa-3023	236	9	banks	bank	NOUN
ajfa-3023	236	10	327	327	NUM
ajfa-3023	236	11	294	294	NUM
ajfa-3023	236	12	301	301	NUM
ajfa-3023	236	13	327	327	NUM
ajfa-3023	236	14	294	294	NUM
ajfa-3023	236	15	301	301	NUM
ajfa-3023	236	16	the	the	DET
ajfa-3023	236	17	table	table	NOUN
ajfa-3023	236	18	reports	report	NOUN
ajfa-3023	236	19	coefficient	coefficient	NOUN
ajfa-3023	236	20	estimates	estimate	NOUN
ajfa-3023	236	21	from	from	ADP
ajfa-3023	236	22	panel	panel	NOUN
ajfa-3023	236	23	fgls	fgls	NOUN
ajfa-3023	236	24	.	.	PUNCT
ajfa-3023	237	1	standard	standard	ADJ
ajfa-3023	237	2	errors	error	NOUN
ajfa-3023	237	3	in	in	ADP
ajfa-3023	237	4	parentheses	parenthesis	NOUN
ajfa-3023	237	5	are	be	AUX
ajfa-3023	237	6	based	base	VERB
ajfa-3023	237	7	on	on	ADP
ajfa-3023	237	8	white	white	ADJ
ajfa-3023	237	9	type	type	NOUN
ajfa-3023	237	10	standard	standard	ADJ
ajfa-3023	237	11	errors	error	NOUN
ajfa-3023	237	12	robust	robust	ADJ
ajfa-3023	237	13	to	to	ADP
ajfa-3023	237	14	time	time	NOUN
ajfa-3023	237	15	-	-	PUNCT
ajfa-3023	237	16	varying	vary	VERB
ajfa-3023	237	17	residuals	residual	NOUN
ajfa-3023	237	18	and	and	CCONJ
ajfa-3023	237	19	correlation	correlation	NOUN
ajfa-3023	237	20	over	over	ADP
ajfa-3023	237	21	time	time	NOUN
ajfa-3023	237	22	within	within	ADP
ajfa-3023	237	23	cross	cross	ADJ
ajfa-3023	237	24	-	-	ADJ
ajfa-3023	237	25	section	section	ADJ
ajfa-3023	237	26	units	unit	NOUN
ajfa-3023	237	27	.	.	PUNCT
ajfa-3023	238	1	see	see	VERB
ajfa-3023	238	2	table	table	NOUN
ajfa-3023	238	3	1	1	NUM
ajfa-3023	238	4	for	for	ADP
ajfa-3023	238	5	variable	variable	ADJ
ajfa-3023	238	6	definitions	definition	NOUN
ajfa-3023	238	7	.	.	PUNCT
ajfa-3023	239	1	*	*	PUNCT
ajfa-3023	239	2	,	,	PUNCT
ajfa-3023	239	3	*	*	PUNCT
ajfa-3023	239	4	*	*	PUNCT
ajfa-3023	239	5	,	,	PUNCT
ajfa-3023	239	6	*	*	PUNCT
ajfa-3023	239	7	*	*	PUNCT
ajfa-3023	239	8	*	*	PUNCT
ajfa-3023	239	9	indicate	indicate	VERB
ajfa-3023	239	10	statistical	statistical	ADJ
ajfa-3023	239	11	significance	significance	NOUN
ajfa-3023	239	12	at	at	ADP
ajfa-3023	239	13	the	the	DET
ajfa-3023	239	14	10	10	NUM
ajfa-3023	239	15	%	%	NOUN
ajfa-3023	239	16	,	,	PUNCT
ajfa-3023	239	17	5	5	NUM
ajfa-3023	239	18	%	%	NOUN
ajfa-3023	239	19	and	and	CCONJ
ajfa-3023	239	20	1	1	NUM
ajfa-3023	239	21	%	%	NOUN
ajfa-3023	239	22	percent	percent	NOUN
ajfa-3023	239	23	,	,	PUNCT
ajfa-3023	239	24	respectively	respectively	ADV
ajfa-3023	239	25	.	.	PUNCT
ajfa-3023	240	1	asian	asian	ADJ
ajfa-3023	240	2	journal	journal	PROPN
ajfa-3023	240	3	of	of	ADP
ajfa-3023	240	4	finance	finance	PROPN
ajfa-3023	240	5	&	&	CCONJ
ajfa-3023	240	6	accounting	accounting	PROPN
ajfa-3023	240	7	issn	issn	PROPN
ajfa-3023	240	8	1946	1946	NUM
ajfa-3023	240	9	-	-	PUNCT
ajfa-3023	240	10	052x	052x	NOUN
ajfa-3023	240	11	2013	2013	NUM
ajfa-3023	240	12	,	,	PUNCT
ajfa-3023	240	13	vol	vol	NOUN
ajfa-3023	240	14	.	.	PROPN
ajfa-3023	240	15	5	5	NUM
ajfa-3023	240	16	,	,	PUNCT
ajfa-3023	240	17	no	no	INTJ
ajfa-3023	240	18	.	.	NOUN
ajfa-3023	240	19	1	1	NUM
ajfa-3023	240	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	240	21	117	117	NUM
ajfa-3023	240	22	conflicting	conflicting	ADJ
ajfa-3023	240	23	results	result	NOUN
ajfa-3023	240	24	may	may	AUX
ajfa-3023	240	25	be	be	AUX
ajfa-3023	240	26	due	due	ADJ
ajfa-3023	240	27	to	to	ADP
ajfa-3023	240	28	the	the	DET
ajfa-3023	240	29	weakened	weaken	VERB
ajfa-3023	240	30	market	market	NOUN
ajfa-3023	240	31	discipline	discipline	NOUN
ajfa-3023	240	32	exercised	exercise	VERB
ajfa-3023	240	33	by	by	ADP
ajfa-3023	240	34	banks	bank	NOUN
ajfa-3023	240	35	when	when	SCONJ
ajfa-3023	240	36	deposit	deposit	NOUN
ajfa-3023	240	37	insurance	insurance	NOUN
ajfa-3023	240	38	is	be	AUX
ajfa-3023	240	39	adopted	adopt	VERB
ajfa-3023	240	40	.	.	PUNCT
ajfa-3023	241	1	the	the	DET
ajfa-3023	241	2	negative	negative	ADJ
ajfa-3023	241	3	correlation	correlation	NOUN
ajfa-3023	241	4	of	of	ADP
ajfa-3023	241	5	economic	economic	ADJ
ajfa-3023	241	6	growth	growth	NOUN
ajfa-3023	241	7	with	with	ADP
ajfa-3023	241	8	npl	npl	PROPN
ajfa-3023	241	9	suggests	suggest	VERB
ajfa-3023	241	10	that	that	SCONJ
ajfa-3023	241	11	credit	credit	NOUN
ajfa-3023	241	12	risk	risk	NOUN
ajfa-3023	241	13	is	be	AUX
ajfa-3023	241	14	significantly	significantly	ADV
ajfa-3023	241	15	lower	low	ADJ
ajfa-3023	241	16	in	in	ADP
ajfa-3023	241	17	years	year	NOUN
ajfa-3023	241	18	and	and	CCONJ
ajfa-3023	241	19	countries	country	NOUN
ajfa-3023	241	20	with	with	ADP
ajfa-3023	241	21	relatively	relatively	ADV
ajfa-3023	241	22	high	high	ADJ
ajfa-3023	241	23	economic	economic	ADJ
ajfa-3023	241	24	growth	growth	NOUN
ajfa-3023	241	25	.	.	PUNCT
ajfa-3023	242	1	the	the	DET
ajfa-3023	242	2	results	result	NOUN
ajfa-3023	242	3	obtained	obtain	VERB
ajfa-3023	242	4	from	from	ADP
ajfa-3023	242	5	specifications	specification	NOUN
ajfa-3023	242	6	1	1	NUM
ajfa-3023	242	7	and	and	CCONJ
ajfa-3023	242	8	4	4	NUM
ajfa-3023	242	9	indicate	indicate	VERB
ajfa-3023	242	10	that	that	SCONJ
ajfa-3023	242	11	the	the	DET
ajfa-3023	242	12	higher	high	ADJ
ajfa-3023	242	13	economic	economic	ADJ
ajfa-3023	242	14	growth	growth	NOUN
ajfa-3023	242	15	is	be	AUX
ajfa-3023	242	16	positively	positively	ADV
ajfa-3023	242	17	correlated	correlate	VERB
ajfa-3023	242	18	with	with	ADP
ajfa-3023	242	19	overall	overall	ADJ
ajfa-3023	242	20	risk	risk	NOUN
ajfa-3023	242	21	-	-	PUNCT
ajfa-3023	242	22	taking	taking	NOUN
ajfa-3023	242	23	by	by	ADP
ajfa-3023	242	24	banks	bank	NOUN
ajfa-3023	242	25	,	,	PUNCT
ajfa-3023	242	26	measured	measure	VERB
ajfa-3023	242	27	by	by	ADP
ajfa-3023	242	28	z	z	NOUN
ajfa-3023	242	29	-	-	PUNCT
ajfa-3023	242	30	score	score	NOUN
ajfa-3023	242	31	.	.	PUNCT
ajfa-3023	243	1	a	a	DET
ajfa-3023	243	2	possible	possible	ADJ
ajfa-3023	243	3	explanation	explanation	NOUN
ajfa-3023	243	4	for	for	ADP
ajfa-3023	243	5	this	this	DET
ajfa-3023	243	6	correlation	correlation	NOUN
ajfa-3023	243	7	is	be	AUX
ajfa-3023	243	8	that	that	SCONJ
ajfa-3023	243	9	banks	bank	NOUN
ajfa-3023	243	10	in	in	ADP
ajfa-3023	243	11	faster	fast	ADV
ajfa-3023	243	12	-	-	PUNCT
ajfa-3023	243	13	growing	grow	VERB
ajfa-3023	243	14	economies	economy	NOUN
ajfa-3023	243	15	have	have	VERB
ajfa-3023	243	16	a	a	DET
ajfa-3023	243	17	greater	great	ADJ
ajfa-3023	243	18	incentive	incentive	NOUN
ajfa-3023	243	19	to	to	PART
ajfa-3023	243	20	assume	assume	VERB
ajfa-3023	243	21	higher	high	ADJ
ajfa-3023	243	22	risks	risk	NOUN
ajfa-3023	243	23	.	.	PUNCT
ajfa-3023	244	1	on	on	ADP
ajfa-3023	244	2	the	the	DET
ajfa-3023	244	3	other	other	ADJ
ajfa-3023	244	4	hand	hand	NOUN
ajfa-3023	244	5	,	,	PUNCT
ajfa-3023	244	6	risk	risk	NOUN
ajfa-3023	244	7	-	-	PUNCT
ajfa-3023	244	8	taking	taking	NOUN
ajfa-3023	244	9	is	be	AUX
ajfa-3023	244	10	a	a	DET
ajfa-3023	244	11	well	well	ADV
ajfa-3023	244	12	-	-	PUNCT
ajfa-3023	244	13	spring	spring	NOUN
ajfa-3023	244	14	of	of	ADP
ajfa-3023	244	15	the	the	DET
ajfa-3023	244	16	economic	economic	ADJ
ajfa-3023	244	17	growth	growth	NOUN
ajfa-3023	244	18	and	and	CCONJ
ajfa-3023	244	19	continuously	continuously	ADV
ajfa-3023	244	20	higher	high	ADJ
ajfa-3023	244	21	economic	economic	ADJ
ajfa-3023	244	22	growth	growth	NOUN
ajfa-3023	244	23	also	also	ADV
ajfa-3023	244	24	encourages	encourage	VERB
ajfa-3023	244	25	banks	bank	NOUN
ajfa-3023	244	26	’	’	PART
ajfa-3023	244	27	risk	risk	NOUN
ajfa-3023	244	28	-	-	PUNCT
ajfa-3023	244	29	taking	taking	NOUN
ajfa-3023	244	30	in	in	ADP
ajfa-3023	244	31	return	return	NOUN
ajfa-3023	244	32	.	.	PUNCT
ajfa-3023	245	1	however	however	ADV
ajfa-3023	245	2	,	,	PUNCT
ajfa-3023	245	3	the	the	DET
ajfa-3023	245	4	coefficient	coefficient	NOUN
ajfa-3023	245	5	on	on	ADP
ajfa-3023	245	6	gdp	gdp	NOUN
ajfa-3023	245	7	is	be	AUX
ajfa-3023	245	8	negative	negative	ADJ
ajfa-3023	245	9	but	but	CCONJ
ajfa-3023	245	10	statistically	statistically	ADV
ajfa-3023	245	11	insignificant	insignificant	ADJ
ajfa-3023	245	12	in	in	ADP
ajfa-3023	245	13	liquidity	liquidity	NOUN
ajfa-3023	245	14	risk	risk	NOUN
ajfa-3023	245	15	estimations	estimation	NOUN
ajfa-3023	245	16	.	.	PUNCT
ajfa-3023	246	1	the	the	DET
ajfa-3023	246	2	significant	significant	ADJ
ajfa-3023	246	3	positive	positive	ADJ
ajfa-3023	246	4	coefficients	coefficient	NOUN
ajfa-3023	246	5	on	on	ADP
ajfa-3023	246	6	inf	inf	PROPN
ajfa-3023	246	7	indicate	indicate	VERB
ajfa-3023	246	8	that	that	SCONJ
ajfa-3023	246	9	an	an	DET
ajfa-3023	246	10	increase	increase	NOUN
ajfa-3023	246	11	in	in	ADP
ajfa-3023	246	12	inflation	inflation	NOUN
ajfa-3023	246	13	leads	lead	VERB
ajfa-3023	246	14	to	to	ADP
ajfa-3023	246	15	higher	high	ADJ
ajfa-3023	246	16	credit	credit	NOUN
ajfa-3023	246	17	risk	risk	NOUN
ajfa-3023	246	18	.	.	PUNCT
ajfa-3023	247	1	hence	hence	ADV
ajfa-3023	247	2	higher	high	ADJ
ajfa-3023	247	3	inflation	inflation	NOUN
ajfa-3023	247	4	may	may	AUX
ajfa-3023	247	5	result	result	VERB
ajfa-3023	247	6	in	in	ADP
ajfa-3023	247	7	lower	low	ADJ
ajfa-3023	247	8	payment	payment	NOUN
ajfa-3023	247	9	capacity	capacity	NOUN
ajfa-3023	247	10	of	of	ADP
ajfa-3023	247	11	borrowers	borrower	NOUN
ajfa-3023	247	12	.	.	PUNCT
ajfa-3023	248	1	in	in	ADP
ajfa-3023	248	2	line	line	NOUN
ajfa-3023	248	3	with	with	ADP
ajfa-3023	248	4	our	our	PRON
ajfa-3023	248	5	expectation	expectation	NOUN
ajfa-3023	248	6	,	,	PUNCT
ajfa-3023	248	7	banks	bank	NOUN
ajfa-3023	248	8	’	'	PUNCT
ajfa-3023	248	9	risk	risk	NOUN
ajfa-3023	248	10	-	-	PUNCT
ajfa-3023	248	11	taking	taking	NOUN
ajfa-3023	248	12	is	be	AUX
ajfa-3023	248	13	lower	low	ADJ
ajfa-3023	248	14	in	in	ADP
ajfa-3023	248	15	countries	country	NOUN
ajfa-3023	248	16	with	with	ADP
ajfa-3023	248	17	higher	high	ADJ
ajfa-3023	248	18	legal	legal	ADJ
ajfa-3023	248	19	enforcement	enforcement	NOUN
ajfa-3023	248	20	(	(	PUNCT
ajfa-3023	248	21	law	law	NOUN
ajfa-3023	248	22	)	)	PUNCT
ajfa-3023	248	23	.	.	PUNCT
ajfa-3023	249	1	the	the	DET
ajfa-3023	249	2	results	result	NOUN
ajfa-3023	249	3	of	of	ADP
ajfa-3023	249	4	estimations	estimation	NOUN
ajfa-3023	249	5	of	of	ADP
ajfa-3023	249	6	the	the	DET
ajfa-3023	249	7	equation	equation	NOUN
ajfa-3023	249	8	(	(	PUNCT
ajfa-3023	249	9	1	1	NUM
ajfa-3023	249	10	)	)	PUNCT
ajfa-3023	249	11	with	with	ADP
ajfa-3023	249	12	interaction	interaction	NOUN
ajfa-3023	249	13	terms	term	NOUN
ajfa-3023	249	14	between	between	ADP
ajfa-3023	249	15	deposit	deposit	NOUN
ajfa-3023	249	16	insurance	insurance	NOUN
ajfa-3023	249	17	features	feature	NOUN
ajfa-3023	249	18	and	and	CCONJ
ajfa-3023	249	19	bank	bank	NOUN
ajfa-3023	249	20	variables	variable	NOUN
ajfa-3023	249	21	are	be	AUX
ajfa-3023	249	22	presented	present	VERB
ajfa-3023	249	23	in	in	ADP
ajfa-3023	249	24	table	table	NOUN
ajfa-3023	249	25	4	4	NUM
ajfa-3023	249	26	.	.	PUNCT
ajfa-3023	250	1	the	the	DET
ajfa-3023	250	2	results	result	NOUN
ajfa-3023	250	3	are	be	AUX
ajfa-3023	250	4	largely	largely	ADV
ajfa-3023	250	5	consistent	consistent	ADJ
ajfa-3023	250	6	with	with	ADP
ajfa-3023	250	7	those	those	PRON
ajfa-3023	250	8	presented	present	VERB
ajfa-3023	250	9	in	in	ADP
ajfa-3023	250	10	table	table	NOUN
ajfa-3023	250	11	3	3	NUM
ajfa-3023	250	12	.	.	PUNCT
ajfa-3023	251	1	the	the	DET
ajfa-3023	251	2	coefficients	coefficient	NOUN
ajfa-3023	251	3	on	on	ADP
ajfa-3023	251	4	cov	cov	PROPN
ajfa-3023	251	5	appear	appear	VERB
ajfa-3023	251	6	negative	negative	ADJ
ajfa-3023	251	7	and	and	CCONJ
ajfa-3023	251	8	significant	significant	ADJ
ajfa-3023	251	9	in	in	ADP
ajfa-3023	251	10	all	all	DET
ajfa-3023	251	11	specifications	specification	NOUN
ajfa-3023	251	12	.	.	PUNCT
ajfa-3023	252	1	an	an	DET
ajfa-3023	252	2	increase	increase	NOUN
ajfa-3023	252	3	in	in	ADP
ajfa-3023	252	4	deposit	deposit	NOUN
ajfa-3023	252	5	insurance	insurance	NOUN
ajfa-3023	252	6	coverage	coverage	NOUN
ajfa-3023	252	7	leads	lead	VERB
ajfa-3023	252	8	to	to	ADP
ajfa-3023	252	9	increased	increase	VERB
ajfa-3023	252	10	credit	credit	NOUN
ajfa-3023	252	11	and	and	CCONJ
ajfa-3023	252	12	liquidity	liquidity	NOUN
ajfa-3023	252	13	risks	risk	NOUN
ajfa-3023	252	14	undertaken	undertake	VERB
ajfa-3023	252	15	by	by	ADP
ajfa-3023	252	16	banks	bank	NOUN
ajfa-3023	252	17	.	.	PUNCT
ajfa-3023	253	1	the	the	DET
ajfa-3023	253	2	negative	negative	ADJ
ajfa-3023	253	3	coefficient	coefficient	NOUN
ajfa-3023	253	4	on	on	ADP
ajfa-3023	253	5	cov	cov	PROPN
ajfa-3023	253	6	in	in	ADP
ajfa-3023	253	7	npl	npl	PROPN
ajfa-3023	253	8	specification	specification	NOUN
ajfa-3023	253	9	indicates	indicate	VERB
ajfa-3023	253	10	that	that	SCONJ
ajfa-3023	253	11	higher	high	ADJ
ajfa-3023	253	12	coverage	coverage	NOUN
ajfa-3023	253	13	is	be	AUX
ajfa-3023	253	14	negatively	negatively	ADV
ajfa-3023	253	15	related	relate	VERB
ajfa-3023	253	16	to	to	ADP
ajfa-3023	253	17	credit	credit	NOUN
ajfa-3023	253	18	risk	risk	NOUN
ajfa-3023	253	19	.	.	PUNCT
ajfa-3023	254	1	a	a	DET
ajfa-3023	254	2	possible	possible	ADJ
ajfa-3023	254	3	explanation	explanation	NOUN
ajfa-3023	254	4	for	for	ADP
ajfa-3023	254	5	this	this	DET
ajfa-3023	254	6	correlation	correlation	NOUN
ajfa-3023	254	7	might	might	AUX
ajfa-3023	254	8	be	be	AUX
ajfa-3023	254	9	that	that	SCONJ
ajfa-3023	254	10	regulators	regulator	NOUN
ajfa-3023	254	11	require	require	VERB
ajfa-3023	254	12	a	a	DET
ajfa-3023	254	13	significant	significant	ADJ
ajfa-3023	254	14	improvement	improvement	NOUN
ajfa-3023	254	15	in	in	ADP
ajfa-3023	254	16	their	their	PRON
ajfa-3023	254	17	risk	risk	NOUN
ajfa-3023	254	18	management	management	NOUN
ajfa-3023	254	19	and	and	CCONJ
ajfa-3023	254	20	a	a	DET
ajfa-3023	254	21	reduction	reduction	NOUN
ajfa-3023	254	22	in	in	ADP
ajfa-3023	254	23	asset	asset	NOUN
ajfa-3023	254	24	risks	risk	NOUN
ajfa-3023	254	25	in	in	ADP
ajfa-3023	254	26	return	return	NOUN
ajfa-3023	254	27	for	for	ADP
ajfa-3023	254	28	providing	provide	VERB
ajfa-3023	254	29	higher	high	ADJ
ajfa-3023	254	30	deposit	deposit	NOUN
ajfa-3023	254	31	insurance	insurance	NOUN
ajfa-3023	254	32	coverage	coverage	NOUN
ajfa-3023	254	33	.	.	PUNCT
ajfa-3023	255	1	asian	asian	ADJ
ajfa-3023	255	2	journal	journal	PROPN
ajfa-3023	255	3	of	of	ADP
ajfa-3023	255	4	finance	finance	PROPN
ajfa-3023	255	5	&	&	CCONJ
ajfa-3023	255	6	accounting	accounting	PROPN
ajfa-3023	255	7	issn	issn	PROPN
ajfa-3023	255	8	1946	1946	NUM
ajfa-3023	255	9	-	-	PUNCT
ajfa-3023	255	10	052x	052x	NOUN
ajfa-3023	255	11	2013	2013	NUM
ajfa-3023	255	12	,	,	PUNCT
ajfa-3023	255	13	vol	vol	NOUN
ajfa-3023	255	14	.	.	PROPN
ajfa-3023	255	15	5	5	NUM
ajfa-3023	255	16	,	,	PUNCT
ajfa-3023	255	17	no	no	INTJ
ajfa-3023	255	18	.	.	NOUN
ajfa-3023	255	19	1	1	NUM
ajfa-3023	255	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	255	21	118	118	NUM
ajfa-3023	255	22	table	table	NOUN
ajfa-3023	255	23	4	4	NUM
ajfa-3023	255	24	.	.	PUNCT
ajfa-3023	255	25	results	result	NOUN
ajfa-3023	255	26	from	from	ADP
ajfa-3023	255	27	estimation	estimation	NOUN
ajfa-3023	255	28	with	with	ADP
ajfa-3023	255	29	deposit	deposit	NOUN
ajfa-3023	255	30	insurance	insurance	NOUN
ajfa-3023	255	31	features	feature	NOUN
ajfa-3023	255	32	when	when	SCONJ
ajfa-3023	255	33	we	we	PRON
ajfa-3023	255	34	consider	consider	VERB
ajfa-3023	255	35	the	the	DET
ajfa-3023	255	36	interaction	interaction	NOUN
ajfa-3023	255	37	term	term	NOUN
ajfa-3023	255	38	,	,	PUNCT
ajfa-3023	255	39	dimem	dimem	NOUN
ajfa-3023	255	40	x	x	SYM
ajfa-3023	255	41	depba	depba	NOUN
ajfa-3023	255	42	,	,	PUNCT
ajfa-3023	255	43	the	the	DET
ajfa-3023	255	44	mandatory	mandatory	ADJ
ajfa-3023	255	45	membership	membership	NOUN
ajfa-3023	255	46	of	of	ADP
ajfa-3023	255	47	a	a	DET
ajfa-3023	255	48	deposit	deposit	NOUN
ajfa-3023	255	49	insurance	insurance	NOUN
ajfa-3023	255	50	scheme	scheme	NOUN
ajfa-3023	255	51	has	have	VERB
ajfa-3023	255	52	a	a	DET
ajfa-3023	255	53	significant	significant	ADJ
ajfa-3023	255	54	positive	positive	ADJ
ajfa-3023	255	55	effect	effect	NOUN
ajfa-3023	255	56	on	on	ADP
ajfa-3023	255	57	bank	bank	NOUN
ajfa-3023	255	58	risks	risk	NOUN
ajfa-3023	255	59	.	.	PUNCT
ajfa-3023	256	1	the	the	DET
ajfa-3023	256	2	negative	negative	ADJ
ajfa-3023	256	3	coefficient	coefficient	NOUN
ajfa-3023	256	4	on	on	ADP
ajfa-3023	256	5	dimem	dimem	NOUN
ajfa-3023	256	6	x	x	PUNCT
ajfa-3023	256	7	depba	depba	NOUN
ajfa-3023	256	8	in	in	ADP
ajfa-3023	256	9	npl	npl	NOUN
ajfa-3023	256	10	estimation	estimation	NOUN
ajfa-3023	256	11	and	and	CCONJ
ajfa-3023	256	12	the	the	DET
ajfa-3023	256	13	negative	negative	ADJ
ajfa-3023	256	14	coefficient	coefficient	NOUN
ajfa-3023	256	15	in	in	ADP
ajfa-3023	256	16	liquid	liquid	ADJ
ajfa-3023	256	17	estimation	estimation	NOUN
ajfa-3023	256	18	indicate	indicate	VERB
ajfa-3023	256	19	that	that	SCONJ
ajfa-3023	256	20	market	market	NOUN
ajfa-3023	256	21	discipline	discipline	NOUN
ajfa-3023	256	22	exercised	exercise	VERB
ajfa-3023	256	23	by	by	ADP
ajfa-3023	256	24	banks	bank	NOUN
ajfa-3023	256	25	is	be	AUX
ajfa-3023	256	26	stronger	strong	ADJ
ajfa-3023	256	27	when	when	SCONJ
ajfa-3023	256	28	the	the	DET
ajfa-3023	256	29	membership	membership	NOUN
ajfa-3023	256	30	is	be	AUX
ajfa-3023	256	31	mandatory	mandatory	ADJ
ajfa-3023	256	32	for	for	ADP
ajfa-3023	256	33	all	all	DET
ajfa-3023	256	34	banks	bank	NOUN
ajfa-3023	256	35	.	.	PUNCT
ajfa-3023	257	1	since	since	SCONJ
ajfa-3023	257	2	banks	bank	NOUN
ajfa-3023	257	3	are	be	AUX
ajfa-3023	257	4	able	able	ADJ
ajfa-3023	257	5	to	to	PART
ajfa-3023	257	6	obtain	obtain	VERB
ajfa-3023	257	7	better	well	ADJ
ajfa-3023	257	8	information	information	NOUN
ajfa-3023	257	9	about	about	ADP
ajfa-3023	257	10	other	other	ADJ
ajfa-3023	257	11	banks	bank	NOUN
ajfa-3023	257	12	where	where	SCONJ
ajfa-3023	257	13	they	they	PRON
ajfa-3023	257	14	allocate	allocate	VERB
ajfa-3023	257	15	funds	fund	NOUN
ajfa-3023	257	16	as	as	SCONJ
ajfa-3023	257	17	opposed	oppose	VERB
ajfa-3023	257	18	to	to	ADP
ajfa-3023	257	19	retail	retail	ADJ
ajfa-3023	257	20	depositors	depositor	NOUN
ajfa-3023	257	21	,	,	PUNCT
ajfa-3023	257	22	they	they	PRON
ajfa-3023	257	23	have	have	VERB
ajfa-3023	257	24	a	a	DET
ajfa-3023	257	25	greater	great	ADJ
ajfa-3023	257	26	ability	ability	NOUN
ajfa-3023	257	27	to	to	PART
ajfa-3023	257	28	monitor	monitor	VERB
ajfa-3023	257	29	and	and	CCONJ
ajfa-3023	257	30	discipline	discipline	VERB
ajfa-3023	257	31	other	other	ADJ
ajfa-3023	257	32	deposit	deposit	NOUN
ajfa-3023	257	33	-	-	PUNCT
ajfa-3023	257	34	taking	take	VERB
ajfa-3023	257	35	financial	financial	ADJ
ajfa-3023	257	36	institutions	institution	NOUN
ajfa-3023	257	37	.	.	PUNCT
ajfa-3023	258	1	the	the	DET
ajfa-3023	258	2	negative	negative	ADJ
ajfa-3023	258	3	effect	effect	NOUN
ajfa-3023	258	4	of	of	ADP
ajfa-3023	258	5	government	government	NOUN
ajfa-3023	258	6	-	-	PUNCT
ajfa-3023	258	7	funded	fund	VERB
ajfa-3023	258	8	deposit	deposit	NOUN
ajfa-3023	258	9	insurance	insurance	NOUN
ajfa-3023	258	10	schemes	scheme	NOUN
ajfa-3023	258	11	is	be	AUX
ajfa-3023	258	12	confirmed	confirm	VERB
ajfa-3023	258	13	by	by	ADP
ajfa-3023	258	14	the	the	DET
ajfa-3023	258	15	statistically	statistically	ADV
ajfa-3023	258	16	significant	significant	ADJ
ajfa-3023	258	17	positive	positive	ADJ
ajfa-3023	258	18	coefficient	coefficient	NOUN
ajfa-3023	258	19	in	in	ADP
ajfa-3023	258	20	npl	npl	NOUN
ajfa-3023	258	21	estimation	estimation	NOUN
ajfa-3023	258	22	and	and	CCONJ
ajfa-3023	258	23	the	the	DET
ajfa-3023	258	24	statistically	statistically	ADV
ajfa-3023	258	25	negative	negative	ADJ
ajfa-3023	258	26	coefficient	coefficient	NOUN
ajfa-3023	258	27	in	in	ADP
ajfa-3023	258	28	liquid	liquid	ADJ
ajfa-3023	258	29	estimation	estimation	NOUN
ajfa-3023	258	30	.	.	PUNCT
ajfa-3023	259	1	the	the	DET
ajfa-3023	259	2	coefficient	coefficient	NOUN
ajfa-3023	259	3	on	on	ADP
ajfa-3023	259	4	fund	fund	NOUN
ajfa-3023	259	5	is	be	AUX
ajfa-3023	259	6	insignificant	insignificant	ADJ
ajfa-3023	259	7	but	but	CCONJ
ajfa-3023	259	8	negative	negative	ADJ
ajfa-3023	259	9	in	in	ADP
ajfa-3023	259	10	terms	term	NOUN
ajfa-3023	259	11	of	of	ADP
ajfa-3023	259	12	z	z	NOUN
ajfa-3023	259	13	-	-	PUNCT
ajfa-3023	259	14	score	score	NOUN
ajfa-3023	259	15	.	.	PUNCT
ajfa-3023	260	1	since	since	SCONJ
ajfa-3023	260	2	higher	high	ADJ
ajfa-3023	260	3	value	value	NOUN
ajfa-3023	260	4	of	of	ADP
ajfa-3023	260	5	this	this	DET
ajfa-3023	260	6	variable	variable	NOUN
ajfa-3023	260	7	from	from	ADP
ajfa-3023	260	8	0	0	NUM
ajfa-3023	260	9	to	to	PART
ajfa-3023	260	10	2	2	NUM
ajfa-3023	260	11	represents	represent	VERB
ajfa-3023	260	12	the	the	DET
ajfa-3023	260	13	rising	rise	VERB
ajfa-3023	260	14	share	share	NOUN
ajfa-3023	260	15	of	of	ADP
ajfa-3023	260	16	the	the	DET
ajfa-3023	260	17	government	government	NOUN
ajfa-3023	260	18	financing	financing	NOUN
ajfa-3023	260	19	,	,	PUNCT
ajfa-3023	260	20	this	this	PRON
ajfa-3023	260	21	may	may	AUX
ajfa-3023	260	22	indicate	indicate	VERB
ajfa-3023	260	23	that	that	DET
ajfa-3023	260	24	risk	risk	NOUN
ajfa-3023	260	25	-	-	PUNCT
ajfa-3023	260	26	taking	taking	NOUN
ajfa-3023	260	27	rises	rise	NOUN
ajfa-3023	260	28	with	with	ADP
ajfa-3023	260	29	the	the	DET
ajfa-3023	260	30	increasing	increase	VERB
ajfa-3023	260	31	share	share	NOUN
ajfa-3023	260	32	of	of	ADP
ajfa-3023	260	33	the	the	DET
ajfa-3023	260	34	government	government	NOUN
ajfa-3023	260	35	financing	financing	NOUN
ajfa-3023	260	36	in	in	ADP
ajfa-3023	260	37	a	a	DET
ajfa-3023	260	38	deposit	deposit	NOUN
ajfa-3023	260	39	insurance	insurance	NOUN
ajfa-3023	260	40	scheme	scheme	NOUN
ajfa-3023	260	41	.	.	PUNCT
ajfa-3023	261	1	thus	thus	ADV
ajfa-3023	261	2	,	,	PUNCT
ajfa-3023	261	3	the	the	DET
ajfa-3023	261	4	results	result	NOUN
ajfa-3023	261	5	indicate	indicate	VERB
ajfa-3023	261	6	that	that	SCONJ
ajfa-3023	261	7	government	government	NOUN
ajfa-3023	261	8	-	-	PUNCT
ajfa-3023	261	9	funded	fund	VERB
ajfa-3023	261	10	deposit	deposit	NOUN
ajfa-3023	261	11	insurance	insurance	NOUN
ajfa-3023	261	12	funds	fund	NOUN
ajfa-3023	261	13	allow	allow	VERB
ajfa-3023	261	14	banks	bank	NOUN
ajfa-3023	261	15	to	to	PART
ajfa-3023	261	16	take	take	VERB
ajfa-3023	261	17	a	a	DET
ajfa-3023	261	18	higher	high	ADJ
ajfa-3023	261	19	risk	risk	NOUN
ajfa-3023	261	20	.	.	PUNCT
ajfa-3023	262	1	this	this	PRON
ajfa-3023	262	2	is	be	AUX
ajfa-3023	262	3	(	(	PUNCT
ajfa-3023	262	4	1	1	NUM
ajfa-3023	262	5	)	)	PUNCT
ajfa-3023	262	6	(	(	PUNCT
ajfa-3023	262	7	2	2	NUM
ajfa-3023	262	8	)	)	PUNCT
ajfa-3023	262	9	(	(	PUNCT
ajfa-3023	262	10	3	3	X
ajfa-3023	262	11	)	)	PUNCT
ajfa-3023	262	12	variables	variable	NOUN
ajfa-3023	262	13	z	z	NOUN
ajfa-3023	262	14	npl	npl	PROPN
ajfa-3023	262	15	liquid	liquid	NOUN
ajfa-3023	262	16	ta	ta	ADP
ajfa-3023	262	17	-0.025	-0.025	PROPN
ajfa-3023	262	18	-0.014	-0.014	NOUN
ajfa-3023	262	19	*	*	PUNCT
ajfa-3023	262	20	*	*	PUNCT
ajfa-3023	262	21	*	*	PUNCT
ajfa-3023	262	22	-0.005	-0.005	PRON
ajfa-3023	262	23	(	(	PUNCT
ajfa-3023	262	24	0.033	0.033	NUM
ajfa-3023	262	25	)	)	PUNCT
ajfa-3023	262	26	(	(	PUNCT
ajfa-3023	262	27	0.004	0.004	NUM
ajfa-3023	262	28	)	)	PUNCT
ajfa-3023	262	29	(	(	PUNCT
ajfa-3023	262	30	0.010	0.010	NUM
ajfa-3023	262	31	)	)	PUNCT
ajfa-3023	262	32	td	td	NOUN
ajfa-3023	262	33	-0.981	-0.981	PUNCT
ajfa-3023	262	34	*	*	PUNCT
ajfa-3023	262	35	*	*	PUNCT
ajfa-3023	262	36	*	*	PUNCT
ajfa-3023	262	37	0.033	0.033	NUM
ajfa-3023	262	38	0.011	0.011	NUM
ajfa-3023	262	39	(	(	PUNCT
ajfa-3023	262	40	0.308	0.308	NUM
ajfa-3023	262	41	)	)	PUNCT
ajfa-3023	262	42	(	(	PUNCT
ajfa-3023	262	43	0.030	0.030	NUM
ajfa-3023	262	44	)	)	PUNCT
ajfa-3023	262	45	(	(	PUNCT
ajfa-3023	262	46	0.082	0.082	NUM
ajfa-3023	262	47	)	)	PUNCT
ajfa-3023	262	48	depba	depba	NOUN
ajfa-3023	262	49	-0.881	-0.881	X
ajfa-3023	262	50	0.332	0.332	NUM
ajfa-3023	262	51	*	*	PUNCT
ajfa-3023	262	52	*	*	PUNCT
ajfa-3023	262	53	*	*	PUNCT
ajfa-3023	262	54	-1.032	-1.032	PUNCT
ajfa-3023	262	55	*	*	PUNCT
ajfa-3023	262	56	*	*	PUNCT
ajfa-3023	262	57	*	*	PUNCT
ajfa-3023	262	58	(	(	PUNCT
ajfa-3023	262	59	1.397	1.397	NUM
ajfa-3023	262	60	)	)	PUNCT
ajfa-3023	262	61	(	(	PUNCT
ajfa-3023	262	62	0.051	0.051	NUM
ajfa-3023	262	63	)	)	PUNCT
ajfa-3023	262	64	(	(	PUNCT
ajfa-3023	262	65	0.196	0.196	NUM
ajfa-3023	262	66	)	)	PUNCT
ajfa-3023	262	67	nii	nii	PROPN
ajfa-3023	262	68	0.084	0.084	NUM
ajfa-3023	262	69	0.000	0.000	NUM
ajfa-3023	262	70	0.028	0.028	NUM
ajfa-3023	262	71	(	(	PUNCT
ajfa-3023	262	72	0.138	0.138	NUM
ajfa-3023	262	73	)	)	PUNCT
ajfa-3023	262	74	(	(	PUNCT
ajfa-3023	262	75	0.027	0.027	NUM
ajfa-3023	262	76	)	)	PUNCT
ajfa-3023	262	77	(	(	PUNCT
ajfa-3023	262	78	0.018	0.018	NUM
ajfa-3023	262	79	)	)	PUNCT
ajfa-3023	262	80	dimem	dimem	NOUN
ajfa-3023	262	81	x	x	X
ajfa-3023	262	82	depba	depba	NOUN
ajfa-3023	262	83	-0.104	-0.104	NOUN
ajfa-3023	262	84	-0.267	-0.267	PROPN
ajfa-3023	262	85	*	*	PUNCT
ajfa-3023	262	86	*	*	PUNCT
ajfa-3023	262	87	*	*	PUNCT
ajfa-3023	262	88	0.892	0.892	NUM
ajfa-3023	262	89	*	*	PUNCT
ajfa-3023	262	90	*	*	PUNCT
ajfa-3023	262	91	*	*	PUNCT
ajfa-3023	262	92	(	(	PUNCT
ajfa-3023	262	93	1.360	1.360	NUM
ajfa-3023	262	94	)	)	PUNCT
ajfa-3023	262	95	(	(	PUNCT
ajfa-3023	262	96	0.075	0.075	NUM
ajfa-3023	262	97	)	)	PUNCT
ajfa-3023	262	98	(	(	PUNCT
ajfa-3023	262	99	0.194	0.194	NUM
ajfa-3023	262	100	)	)	PUNCT
ajfa-3023	262	101	cov	cov	NOUN
ajfa-3023	262	102	-0.146	-0.146	NOUN
ajfa-3023	262	103	*	*	NOUN
ajfa-3023	262	104	*	*	PUNCT
ajfa-3023	262	105	-0.008	-0.008	NOUN
ajfa-3023	262	106	*	*	PUNCT
ajfa-3023	262	107	*	*	PUNCT
ajfa-3023	263	1	-0.022	-0.022	PUNCT
ajfa-3023	263	2	*	*	PUNCT
ajfa-3023	263	3	*	*	PUNCT
ajfa-3023	263	4	(	(	PUNCT
ajfa-3023	263	5	0.064	0.064	NUM
ajfa-3023	263	6	)	)	PUNCT
ajfa-3023	263	7	(	(	PUNCT
ajfa-3023	263	8	0.004	0.004	NUM
ajfa-3023	263	9	)	)	PUNCT
ajfa-3023	263	10	(	(	PUNCT
ajfa-3023	263	11	0.011	0.011	NUM
ajfa-3023	263	12	)	)	PUNCT
ajfa-3023	263	13	fund	fund	NOUN
ajfa-3023	263	14	-0.086	-0.086	NUM
ajfa-3023	263	15	0.050	0.050	NUM
ajfa-3023	263	16	*	*	PUNCT
ajfa-3023	263	17	*	*	PUNCT
ajfa-3023	263	18	*	*	PUNCT
ajfa-3023	263	19	-0.049	-0.049	PUNCT
ajfa-3023	263	20	*	*	PUNCT
ajfa-3023	263	21	*	*	PUNCT
ajfa-3023	263	22	*	*	PUNCT
ajfa-3023	263	23	(	(	PUNCT
ajfa-3023	263	24	0.073	0.073	NUM
ajfa-3023	263	25	)	)	PUNCT
ajfa-3023	263	26	(	(	PUNCT
ajfa-3023	263	27	0.010	0.010	NUM
ajfa-3023	263	28	)	)	PUNCT
ajfa-3023	263	29	(	(	PUNCT
ajfa-3023	263	30	0.018	0.018	NUM
ajfa-3023	263	31	)	)	PUNCT
ajfa-3023	263	32	gdp	gdp	NOUN
ajfa-3023	263	33	-0.922	-0.922	PUNCT
ajfa-3023	263	34	-0.130	-0.130	ADP
ajfa-3023	263	35	0.198	0.198	NUM
ajfa-3023	263	36	(	(	PUNCT
ajfa-3023	263	37	0.698	0.698	NUM
ajfa-3023	263	38	)	)	PUNCT
ajfa-3023	263	39	(	(	PUNCT
ajfa-3023	263	40	0.117	0.117	NUM
ajfa-3023	263	41	)	)	PUNCT
ajfa-3023	263	42	(	(	PUNCT
ajfa-3023	263	43	0.126	0.126	X
ajfa-3023	263	44	)	)	PUNCT
ajfa-3023	263	45	inf	inf	NOUN
ajfa-3023	263	46	0.507	0.507	NUM
ajfa-3023	263	47	0.256	0.256	NUM
ajfa-3023	263	48	*	*	PUNCT
ajfa-3023	263	49	*	*	X
ajfa-3023	263	50	0.188	0.188	NUM
ajfa-3023	263	51	(	(	PUNCT
ajfa-3023	263	52	0.631	0.631	NUM
ajfa-3023	263	53	)	)	PUNCT
ajfa-3023	263	54	(	(	PUNCT
ajfa-3023	263	55	0.104	0.104	NUM
ajfa-3023	263	56	)	)	PUNCT
ajfa-3023	263	57	(	(	PUNCT
ajfa-3023	263	58	0.148	0.148	NUM
ajfa-3023	263	59	)	)	PUNCT
ajfa-3023	263	60	rint	rint	NOUN
ajfa-3023	263	61	0.022	0.022	NUM
ajfa-3023	263	62	0.254	0.254	NUM
ajfa-3023	263	63	*	*	PUNCT
ajfa-3023	263	64	*	*	PUNCT
ajfa-3023	263	65	0.212	0.212	NUM
ajfa-3023	263	66	(	(	PUNCT
ajfa-3023	263	67	0.788	0.788	NUM
ajfa-3023	263	68	)	)	PUNCT
ajfa-3023	263	69	(	(	PUNCT
ajfa-3023	263	70	0.100	0.100	NUM
ajfa-3023	263	71	)	)	PUNCT
ajfa-3023	263	72	(	(	PUNCT
ajfa-3023	263	73	0.172	0.172	NUM
ajfa-3023	263	74	)	)	PUNCT
ajfa-3023	263	75	law	law	NOUN
ajfa-3023	263	76	0.023	0.023	NUM
ajfa-3023	263	77	0.026	0.026	NUM
ajfa-3023	263	78	*	*	PUNCT
ajfa-3023	263	79	*	*	PROPN
ajfa-3023	263	80	0.022	0.022	NUM
ajfa-3023	263	81	(	(	PUNCT
ajfa-3023	263	82	0.111	0.111	NUM
ajfa-3023	263	83	)	)	PUNCT
ajfa-3023	263	84	(	(	PUNCT
ajfa-3023	263	85	0.011	0.011	NUM
ajfa-3023	263	86	)	)	PUNCT
ajfa-3023	263	87	(	(	PUNCT
ajfa-3023	263	88	0.033	0.033	NUM
ajfa-3023	263	89	)	)	PUNCT
ajfa-3023	263	90	intercept	intercept	VERB
ajfa-3023	263	91	4.036	4.036	NUM
ajfa-3023	263	92	*	*	NOUN
ajfa-3023	263	93	*	*	PUNCT
ajfa-3023	263	94	*	*	PUNCT
ajfa-3023	263	95	0.204	0.204	NUM
ajfa-3023	263	96	*	*	PUNCT
ajfa-3023	263	97	*	*	PUNCT
ajfa-3023	263	98	*	*	PUNCT
ajfa-3023	264	1	0.483	0.483	NUM
ajfa-3023	264	2	*	*	PUNCT
ajfa-3023	264	3	*	*	PUNCT
ajfa-3023	264	4	(	(	PUNCT
ajfa-3023	264	5	0.611	0.611	NUM
ajfa-3023	264	6	)	)	PUNCT
ajfa-3023	264	7	(	(	PUNCT
ajfa-3023	264	8	0.069	0.069	NUM
ajfa-3023	264	9	)	)	PUNCT
ajfa-3023	264	10	(	(	PUNCT
ajfa-3023	264	11	0.214	0.214	NUM
ajfa-3023	264	12	)	)	PUNCT
ajfa-3023	264	13	wald	wald	NOUN
ajfa-3023	264	14	chi2	chi2	PROPN
ajfa-3023	264	15	24.11	24.11	NUM
ajfa-3023	264	16	288.28	288.28	NUM
ajfa-3023	264	17	97.94	97.94	NUM
ajfa-3023	264	18	wald	wald	NOUN
ajfa-3023	264	19	p	p	NOUN
ajfa-3023	264	20	-	-	PUNCT
ajfa-3023	264	21	value	value	NOUN
ajfa-3023	264	22	0.01	0.01	NUM
ajfa-3023	264	23	0.00	0.00	NUM
ajfa-3023	264	24	0.00	0.00	NUM
ajfa-3023	264	25	no	no	NOUN
ajfa-3023	264	26	.	.	PUNCT
ajfa-3023	264	27	of	of	ADP
ajfa-3023	264	28	obs	obs	PROPN
ajfa-3023	264	29	.	.	PUNCT
ajfa-3023	265	1	979	979	NUM
ajfa-3023	265	2	874	874	NUM
ajfa-3023	265	3	992	992	NUM
ajfa-3023	265	4	no	no	NOUN
ajfa-3023	265	5	.	.	PUNCT
ajfa-3023	265	6	of	of	ADP
ajfa-3023	265	7	banks	bank	NOUN
ajfa-3023	265	8	198	198	NUM
ajfa-3023	265	9	180	180	NUM
ajfa-3023	265	10	187	187	NUM
ajfa-3023	266	1	the	the	DET
ajfa-3023	266	2	table	table	NOUN
ajfa-3023	266	3	reports	report	NOUN
ajfa-3023	266	4	coefficient	coefficient	NOUN
ajfa-3023	266	5	estimates	estimate	NOUN
ajfa-3023	266	6	from	from	ADP
ajfa-3023	266	7	panel	panel	NOUN
ajfa-3023	266	8	fgls	fgls	NOUN
ajfa-3023	266	9	.	.	PUNCT
ajfa-3023	267	1	standard	standard	ADJ
ajfa-3023	267	2	errors	error	NOUN
ajfa-3023	267	3	in	in	ADP
ajfa-3023	267	4	parentheses	parenthesis	NOUN
ajfa-3023	267	5	are	be	AUX
ajfa-3023	267	6	based	base	VERB
ajfa-3023	267	7	on	on	ADP
ajfa-3023	267	8	white	white	ADJ
ajfa-3023	267	9	type	type	NOUN
ajfa-3023	267	10	standard	standard	ADJ
ajfa-3023	267	11	errors	error	NOUN
ajfa-3023	267	12	robust	robust	ADJ
ajfa-3023	267	13	to	to	ADP
ajfa-3023	267	14	time	time	NOUN
ajfa-3023	267	15	-	-	PUNCT
ajfa-3023	267	16	varying	vary	VERB
ajfa-3023	267	17	residuals	residual	NOUN
ajfa-3023	267	18	and	and	CCONJ
ajfa-3023	267	19	correlation	correlation	NOUN
ajfa-3023	267	20	over	over	ADP
ajfa-3023	267	21	time	time	NOUN
ajfa-3023	267	22	within	within	ADP
ajfa-3023	267	23	cross	cross	ADJ
ajfa-3023	267	24	-	-	ADJ
ajfa-3023	267	25	section	section	ADJ
ajfa-3023	267	26	units	unit	NOUN
ajfa-3023	267	27	.	.	PUNCT
ajfa-3023	268	1	see	see	VERB
ajfa-3023	268	2	table	table	NOUN
ajfa-3023	268	3	1	1	NUM
ajfa-3023	268	4	for	for	ADP
ajfa-3023	268	5	variable	variable	ADJ
ajfa-3023	268	6	definitions	definition	NOUN
ajfa-3023	268	7	.	.	PUNCT
ajfa-3023	269	1	*	*	PUNCT
ajfa-3023	269	2	,	,	PUNCT
ajfa-3023	269	3	*	*	PUNCT
ajfa-3023	269	4	*	*	PUNCT
ajfa-3023	269	5	,	,	PUNCT
ajfa-3023	269	6	*	*	PUNCT
ajfa-3023	269	7	*	*	PUNCT
ajfa-3023	269	8	*	*	PUNCT
ajfa-3023	269	9	indicate	indicate	VERB
ajfa-3023	269	10	statistical	statistical	ADJ
ajfa-3023	269	11	significance	significance	NOUN
ajfa-3023	269	12	at	at	ADP
ajfa-3023	269	13	the	the	DET
ajfa-3023	269	14	10	10	NUM
ajfa-3023	269	15	%	%	NOUN
ajfa-3023	269	16	,	,	PUNCT
ajfa-3023	269	17	5	5	NUM
ajfa-3023	269	18	%	%	NOUN
ajfa-3023	269	19	and	and	CCONJ
ajfa-3023	269	20	1	1	NUM
ajfa-3023	269	21	%	%	NOUN
ajfa-3023	269	22	percent	percent	NOUN
ajfa-3023	269	23	,	,	PUNCT
ajfa-3023	269	24	respectively	respectively	ADV
ajfa-3023	269	25	.	.	PUNCT
ajfa-3023	270	1	asian	asian	ADJ
ajfa-3023	270	2	journal	journal	PROPN
ajfa-3023	270	3	of	of	ADP
ajfa-3023	270	4	finance	finance	PROPN
ajfa-3023	270	5	&	&	CCONJ
ajfa-3023	270	6	accounting	accounting	PROPN
ajfa-3023	270	7	issn	issn	PROPN
ajfa-3023	270	8	1946	1946	NUM
ajfa-3023	270	9	-	-	PUNCT
ajfa-3023	270	10	052x	052x	NOUN
ajfa-3023	270	11	2013	2013	NUM
ajfa-3023	270	12	,	,	PUNCT
ajfa-3023	270	13	vol	vol	NOUN
ajfa-3023	270	14	.	.	PROPN
ajfa-3023	270	15	5	5	NUM
ajfa-3023	270	16	,	,	PUNCT
ajfa-3023	270	17	no	no	INTJ
ajfa-3023	270	18	.	.	NOUN
ajfa-3023	270	19	1	1	NUM
ajfa-3023	270	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	270	21	119	119	NUM
ajfa-3023	270	22	consistent	consistent	ADJ
ajfa-3023	270	23	with	with	ADP
ajfa-3023	270	24	the	the	DET
ajfa-3023	270	25	findings	finding	NOUN
ajfa-3023	270	26	by	by	ADP
ajfa-3023	270	27	demirgüç	demirgüç	PROPN
ajfa-3023	270	28	-	-	PUNCT
ajfa-3023	270	29	kunt	kunt	PROPN
ajfa-3023	270	30	and	and	CCONJ
ajfa-3023	270	31	detragiache	detragiache	PROPN
ajfa-3023	270	32	(	(	PUNCT
ajfa-3023	270	33	2000	2000	NUM
ajfa-3023	270	34	)	)	PUNCT
ajfa-3023	270	35	.	.	PUNCT
ajfa-3023	271	1	if	if	SCONJ
ajfa-3023	271	2	the	the	DET
ajfa-3023	271	3	fund	fund	NOUN
ajfa-3023	271	4	amount	amount	NOUN
ajfa-3023	271	5	that	that	PRON
ajfa-3023	271	6	consists	consist	VERB
ajfa-3023	271	7	of	of	ADP
ajfa-3023	271	8	premiums	premium	NOUN
ajfa-3023	271	9	paid	pay	VERB
ajfa-3023	271	10	by	by	ADP
ajfa-3023	271	11	member	member	NOUN
ajfa-3023	271	12	banks	bank	NOUN
ajfa-3023	271	13	is	be	AUX
ajfa-3023	271	14	not	not	PART
ajfa-3023	271	15	sufficient	sufficient	ADJ
ajfa-3023	271	16	to	to	PART
ajfa-3023	271	17	cover	cover	VERB
ajfa-3023	271	18	losses	loss	NOUN
ajfa-3023	271	19	caused	cause	VERB
ajfa-3023	271	20	by	by	ADP
ajfa-3023	271	21	bank	bank	NOUN
ajfa-3023	271	22	failures	failure	NOUN
ajfa-3023	271	23	,	,	PUNCT
ajfa-3023	271	24	the	the	DET
ajfa-3023	271	25	shortfall	shortfall	NOUN
ajfa-3023	271	26	is	be	AUX
ajfa-3023	271	27	made	make	VERB
ajfa-3023	271	28	up	up	ADP
ajfa-3023	271	29	by	by	ADP
ajfa-3023	271	30	taxpayers	taxpayer	NOUN
ajfa-3023	271	31	.	.	PUNCT
ajfa-3023	272	1	table	table	NOUN
ajfa-3023	272	2	5	5	NUM
ajfa-3023	272	3	presents	present	VERB
ajfa-3023	272	4	the	the	DET
ajfa-3023	272	5	estimation	estimation	NOUN
ajfa-3023	272	6	results	result	NOUN
ajfa-3023	272	7	using	use	VERB
ajfa-3023	272	8	risk	risk	NOUN
ajfa-3023	272	9	-	-	PUNCT
ajfa-3023	272	10	based	base	VERB
ajfa-3023	272	11	premium	premium	NOUN
ajfa-3023	272	12	interaction	interaction	NOUN
ajfa-3023	272	13	variables	variable	NOUN
ajfa-3023	272	14	.	.	PUNCT
ajfa-3023	273	1	a	a	DET
ajfa-3023	273	2	risk	risk	NOUN
ajfa-3023	273	3	-	-	PUNCT
ajfa-3023	273	4	based	base	VERB
ajfa-3023	273	5	deposit	deposit	NOUN
ajfa-3023	273	6	insurance	insurance	NOUN
ajfa-3023	273	7	scheme	scheme	NOUN
ajfa-3023	273	8	has	have	VERB
ajfa-3023	273	9	negative	negative	ADJ
ajfa-3023	273	10	effects	effect	NOUN
ajfa-3023	273	11	on	on	ADP
ajfa-3023	273	12	z	z	NOUN
ajfa-3023	273	13	-	-	PUNCT
ajfa-3023	273	14	score	score	NOUN
ajfa-3023	273	15	and	and	CCONJ
ajfa-3023	273	16	liquid	liquid	NOUN
ajfa-3023	273	17	when	when	SCONJ
ajfa-3023	273	18	we	we	PRON
ajfa-3023	273	19	consider	consider	VERB
ajfa-3023	273	20	the	the	DET
ajfa-3023	273	21	effect	effect	NOUN
ajfa-3023	273	22	of	of	ADP
ajfa-3023	273	23	diprem	diprem	VERB
ajfa-3023	273	24	.	.	PUNCT
ajfa-3023	274	1	it	it	PRON
ajfa-3023	274	2	implies	imply	VERB
ajfa-3023	274	3	that	that	SCONJ
ajfa-3023	274	4	differentiated	differentiated	ADJ
ajfa-3023	274	5	premiums	premium	NOUN
ajfa-3023	274	6	do	do	AUX
ajfa-3023	274	7	not	not	PART
ajfa-3023	274	8	accurately	accurately	ADV
ajfa-3023	274	9	reflect	reflect	VERB
ajfa-3023	274	10	the	the	DET
ajfa-3023	274	11	level	level	NOUN
ajfa-3023	274	12	of	of	ADP
ajfa-3023	274	13	risk	risk	NOUN
ajfa-3023	274	14	that	that	SCONJ
ajfa-3023	274	15	a	a	DET
ajfa-3023	274	16	bank	bank	NOUN
ajfa-3023	274	17	poses	pose	NOUN
ajfa-3023	274	18	.	.	PUNCT
ajfa-3023	275	1	in	in	ADP
ajfa-3023	275	2	practice	practice	NOUN
ajfa-3023	275	3	,	,	PUNCT
ajfa-3023	275	4	risk	risk	NOUN
ajfa-3023	275	5	-	-	PUNCT
ajfa-3023	275	6	based	base	VERB
ajfa-3023	275	7	deposit	deposit	NOUN
ajfa-3023	275	8	insurance	insurance	NOUN
ajfa-3023	275	9	is	be	AUX
ajfa-3023	275	10	technically	technically	ADV
ajfa-3023	275	11	difficult	difficult	ADJ
ajfa-3023	275	12	to	to	PART
ajfa-3023	275	13	be	be	AUX
ajfa-3023	275	14	managed	manage	VERB
ajfa-3023	275	15	and	and	CCONJ
ajfa-3023	275	16	administratively	administratively	ADV
ajfa-3023	275	17	demanding	demanding	ADJ
ajfa-3023	275	18	.	.	PUNCT
ajfa-3023	276	1	however	however	ADV
ajfa-3023	276	2	,	,	PUNCT
ajfa-3023	276	3	we	we	PRON
ajfa-3023	276	4	find	find	VERB
ajfa-3023	276	5	that	that	SCONJ
ajfa-3023	276	6	the	the	DET
ajfa-3023	276	7	coefficient	coefficient	NOUN
ajfa-3023	276	8	on	on	ADP
ajfa-3023	276	9	diprem	diprem	PROPN
ajfa-3023	276	10	is	be	AUX
ajfa-3023	276	11	negative	negative	ADJ
ajfa-3023	276	12	but	but	CCONJ
ajfa-3023	276	13	statistically	statistically	ADV
ajfa-3023	276	14	insignificant	insignificant	ADJ
ajfa-3023	276	15	when	when	SCONJ
ajfa-3023	276	16	risk	risk	NOUN
ajfa-3023	276	17	is	be	AUX
ajfa-3023	276	18	measured	measure	VERB
ajfa-3023	276	19	by	by	ADP
ajfa-3023	276	20	npl	npl	PROPN
ajfa-3023	276	21	ratio	ratio	NOUN
ajfa-3023	276	22	.	.	PUNCT
ajfa-3023	277	1	the	the	DET
ajfa-3023	277	2	coefficients	coefficient	NOUN
ajfa-3023	277	3	on	on	ADP
ajfa-3023	277	4	diprem	diprem	PROPN
ajfa-3023	277	5	x	x	SYM
ajfa-3023	277	6	tier1	tier1	PROPN
ajfa-3023	277	7	indicate	indicate	VERB
ajfa-3023	277	8	that	that	SCONJ
ajfa-3023	277	9	risk	risk	NOUN
ajfa-3023	277	10	-	-	PUNCT
ajfa-3023	277	11	based	base	VERB
ajfa-3023	277	12	deposit	deposit	NOUN
ajfa-3023	277	13	insurance	insurance	NOUN
ajfa-3023	277	14	tied	tie	VERB
ajfa-3023	277	15	to	to	ADP
ajfa-3023	277	16	the	the	DET
ajfa-3023	277	17	regulatory	regulatory	ADJ
ajfa-3023	277	18	capital	capital	NOUN
ajfa-3023	277	19	ratio	ratio	NOUN
ajfa-3023	277	20	(	(	PUNCT
ajfa-3023	277	21	or	or	CCONJ
ajfa-3023	277	22	prudential	prudential	ADJ
ajfa-3023	277	23	norms	norm	NOUN
ajfa-3023	277	24	)	)	PUNCT
ajfa-3023	277	25	can	can	AUX
ajfa-3023	277	26	reduce	reduce	VERB
ajfa-3023	277	27	banks	bank	NOUN
ajfa-3023	277	28	’	’	PART
ajfa-3023	277	29	risk	risk	NOUN
ajfa-3023	277	30	-	-	PUNCT
ajfa-3023	277	31	taking	taking	NOUN
ajfa-3023	277	32	.	.	PUNCT
ajfa-3023	278	1	the	the	DET
ajfa-3023	278	2	coefficients	coefficient	NOUN
ajfa-3023	278	3	on	on	ADP
ajfa-3023	278	4	diprem	diprem	PROPN
ajfa-3023	278	5	x	x	SYM
ajfa-3023	278	6	tier1	tier1	PROPN
ajfa-3023	278	7	in	in	ADP
ajfa-3023	278	8	z	z	NOUN
ajfa-3023	278	9	-	-	PUNCT
ajfa-3023	278	10	score	score	NOUN
ajfa-3023	278	11	and	and	CCONJ
ajfa-3023	278	12	liquid	liquid	ADJ
ajfa-3023	278	13	specifications	specification	NOUN
ajfa-3023	278	14	are	be	AUX
ajfa-3023	278	15	significant	significant	ADJ
ajfa-3023	278	16	positive	positive	ADJ
ajfa-3023	278	17	.	.	PUNCT
ajfa-3023	279	1	when	when	SCONJ
ajfa-3023	279	2	risk	risk	NOUN
ajfa-3023	279	3	is	be	AUX
ajfa-3023	279	4	measured	measure	VERB
ajfa-3023	279	5	by	by	ADP
ajfa-3023	279	6	npl	npl	PROPN
ajfa-3023	279	7	ratio	ratio	NOUN
ajfa-3023	279	8	,	,	PUNCT
ajfa-3023	279	9	the	the	DET
ajfa-3023	279	10	effect	effect	NOUN
ajfa-3023	279	11	of	of	ADP
ajfa-3023	279	12	diprem	diprem	NOUN
ajfa-3023	279	13	x	x	PUNCT
ajfa-3023	279	14	tier1	tier1	PROPN
ajfa-3023	279	15	is	be	AUX
ajfa-3023	279	16	negative	negative	ADJ
ajfa-3023	279	17	and	and	CCONJ
ajfa-3023	279	18	statistically	statistically	ADV
ajfa-3023	279	19	significant	significant	ADJ
ajfa-3023	279	20	.	.	PUNCT
ajfa-3023	280	1	the	the	DET
ajfa-3023	280	2	positive	positive	ADJ
ajfa-3023	280	3	significant	significant	ADJ
ajfa-3023	280	4	effect	effect	NOUN
ajfa-3023	280	5	of	of	ADP
ajfa-3023	280	6	diprem	diprem	NOUN
ajfa-3023	280	7	x	x	SYM
ajfa-3023	280	8	law	law	NOUN
ajfa-3023	280	9	is	be	AUX
ajfa-3023	280	10	supportive	supportive	ADJ
ajfa-3023	280	11	of	of	ADP
ajfa-3023	280	12	the	the	DET
ajfa-3023	280	13	hypothesis	hypothesis	NOUN
ajfa-3023	280	14	3	3	NUM
ajfa-3023	280	15	.	.	PUNCT
ajfa-3023	281	1	a	a	DET
ajfa-3023	281	2	risk	risk	NOUN
ajfa-3023	281	3	-	-	PUNCT
ajfa-3023	281	4	based	base	VERB
ajfa-3023	281	5	deposit	deposit	NOUN
ajfa-3023	281	6	insurance	insurance	NOUN
ajfa-3023	281	7	scheme	scheme	NOUN
ajfa-3023	281	8	works	work	VERB
ajfa-3023	281	9	more	more	ADV
ajfa-3023	281	10	effectively	effectively	ADV
ajfa-3023	281	11	in	in	ADP
ajfa-3023	281	12	countries	country	NOUN
ajfa-3023	281	13	with	with	ADP
ajfa-3023	281	14	high	high	ADJ
ajfa-3023	281	15	judicial	judicial	ADJ
ajfa-3023	281	16	quality	quality	NOUN
ajfa-3023	281	17	and	and	CCONJ
ajfa-3023	281	18	legal	legal	ADJ
ajfa-3023	281	19	enforcement	enforcement	NOUN
ajfa-3023	281	20	.	.	PUNCT
ajfa-3023	282	1	table	table	NOUN
ajfa-3023	282	2	5	5	NUM
ajfa-3023	282	3	.	.	PUNCT
ajfa-3023	282	4	results	result	NOUN
ajfa-3023	282	5	from	from	ADP
ajfa-3023	282	6	estimation	estimation	NOUN
ajfa-3023	282	7	with	with	ADP
ajfa-3023	282	8	risk	risk	NOUN
ajfa-3023	282	9	-	-	PUNCT
ajfa-3023	282	10	based	base	VERB
ajfa-3023	282	11	premium	premium	NOUN
ajfa-3023	282	12	interactions	interaction	NOUN
ajfa-3023	282	13	(	(	PUNCT
ajfa-3023	282	14	1	1	NUM
ajfa-3023	282	15	)	)	PUNCT
ajfa-3023	282	16	(	(	PUNCT
ajfa-3023	282	17	2	2	NUM
ajfa-3023	282	18	)	)	PUNCT
ajfa-3023	282	19	(	(	PUNCT
ajfa-3023	282	20	3	3	X
ajfa-3023	282	21	)	)	PUNCT
ajfa-3023	282	22	variables	variable	NOUN
ajfa-3023	282	23	z	z	NOUN
ajfa-3023	282	24	npl	npl	PROPN
ajfa-3023	282	25	liquid	liquid	NOUN
ajfa-3023	282	26	ta	ta	X
ajfa-3023	282	27	-0.087	-0.087	PUNCT
ajfa-3023	282	28	*	*	PUNCT
ajfa-3023	282	29	*	*	PUNCT
ajfa-3023	282	30	*	*	PUNCT
ajfa-3023	282	31	-0.004	-0.004	PUNCT
ajfa-3023	282	32	*	*	PUNCT
ajfa-3023	282	33	*	*	PUNCT
ajfa-3023	282	34	*	*	PUNCT
ajfa-3023	282	35	-0.023	-0.023	PUNCT
ajfa-3023	282	36	*	*	PUNCT
ajfa-3023	282	37	*	*	PUNCT
ajfa-3023	283	1	*	*	PUNCT
ajfa-3023	283	2	(	(	PUNCT
ajfa-3023	283	3	0.009	0.009	NUM
ajfa-3023	283	4	)	)	PUNCT
ajfa-3023	283	5	(	(	PUNCT
ajfa-3023	283	6	0.001	0.001	NUM
ajfa-3023	283	7	)	)	PUNCT
ajfa-3023	283	8	(	(	PUNCT
ajfa-3023	283	9	0.003	0.003	NUM
ajfa-3023	283	10	)	)	PUNCT
ajfa-3023	283	11	td	td	NOUN
ajfa-3023	283	12	0.034	0.034	NUM
ajfa-3023	283	13	0.037	0.037	NUM
ajfa-3023	283	14	*	*	PUNCT
ajfa-3023	283	15	*	*	PUNCT
ajfa-3023	283	16	*	*	PUNCT
ajfa-3023	283	17	0.184	0.184	NUM
ajfa-3023	283	18	*	*	PUNCT
ajfa-3023	283	19	*	*	PUNCT
ajfa-3023	283	20	*	*	PUNCT
ajfa-3023	283	21	(	(	PUNCT
ajfa-3023	283	22	0.084	0.084	NUM
ajfa-3023	283	23	)	)	PUNCT
ajfa-3023	283	24	(	(	PUNCT
ajfa-3023	283	25	0.008	0.008	NUM
ajfa-3023	283	26	)	)	PUNCT
ajfa-3023	283	27	(	(	PUNCT
ajfa-3023	283	28	0.024	0.024	NUM
ajfa-3023	283	29	)	)	PUNCT
ajfa-3023	283	30	nii	nii	PROPN
ajfa-3023	283	31	0.180	0.180	NUM
ajfa-3023	283	32	*	*	PROPN
ajfa-3023	283	33	*	*	PROPN
ajfa-3023	283	34	0.001	0.001	NUM
ajfa-3023	283	35	0.115	0.115	NUM
ajfa-3023	283	36	*	*	PUNCT
ajfa-3023	283	37	*	*	PUNCT
ajfa-3023	283	38	*	*	PUNCT
ajfa-3023	283	39	(	(	PUNCT
ajfa-3023	283	40	0.086	0.086	NUM
ajfa-3023	283	41	)	)	PUNCT
ajfa-3023	283	42	(	(	PUNCT
ajfa-3023	283	43	0.003	0.003	NUM
ajfa-3023	283	44	)	)	PUNCT
ajfa-3023	283	45	(	(	PUNCT
ajfa-3023	283	46	0.023	0.023	NUM
ajfa-3023	283	47	)	)	PUNCT
ajfa-3023	283	48	depba	depba	NOUN
ajfa-3023	283	49	-1.743	-1.743	PUNCT
ajfa-3023	283	50	*	*	PUNCT
ajfa-3023	283	51	*	*	PUNCT
ajfa-3023	283	52	*	*	PUNCT
ajfa-3023	283	53	-0.002	-0.002	PUNCT
ajfa-3023	283	54	0.429	0.429	NUM
ajfa-3023	283	55	*	*	PUNCT
ajfa-3023	283	56	*	*	PUNCT
ajfa-3023	283	57	*	*	PUNCT
ajfa-3023	283	58	(	(	PUNCT
ajfa-3023	283	59	0.230	0.230	NUM
ajfa-3023	283	60	)	)	PUNCT
ajfa-3023	283	61	(	(	PUNCT
ajfa-3023	283	62	0.012	0.012	NUM
ajfa-3023	283	63	)	)	PUNCT
ajfa-3023	283	64	(	(	PUNCT
ajfa-3023	283	65	0.062	0.062	NUM
ajfa-3023	283	66	)	)	PUNCT
ajfa-3023	283	67	diprem	diprem	VERB
ajfa-3023	283	68	-0.550	-0.550	PUNCT
ajfa-3023	283	69	*	*	PUNCT
ajfa-3023	283	70	*	*	PUNCT
ajfa-3023	283	71	*	*	PUNCT
ajfa-3023	283	72	-0.005	-0.005	PUNCT
ajfa-3023	283	73	-0.058	-0.058	X
ajfa-3023	283	74	*	*	PUNCT
ajfa-3023	283	75	(	(	PUNCT
ajfa-3023	283	76	0.065	0.065	NUM
ajfa-3023	283	77	)	)	PUNCT
ajfa-3023	283	78	(	(	PUNCT
ajfa-3023	283	79	0.004	0.004	NUM
ajfa-3023	283	80	)	)	PUNCT
ajfa-3023	283	81	(	(	PUNCT
ajfa-3023	283	82	0.033	0.033	NUM
ajfa-3023	283	83	)	)	PUNCT
ajfa-3023	283	84	diprem	diprem	VERB
ajfa-3023	283	85	x	x	PUNCT
ajfa-3023	283	86	tier1	tier1	PROPN
ajfa-3023	283	87	2.082	2.082	NUM
ajfa-3023	283	88	*	*	PUNCT
ajfa-3023	283	89	*	*	PUNCT
ajfa-3023	283	90	*	*	PUNCT
ajfa-3023	283	91	-0.037	-0.037	PUNCT
ajfa-3023	283	92	*	*	PUNCT
ajfa-3023	283	93	*	*	PUNCT
ajfa-3023	283	94	*	*	PUNCT
ajfa-3023	283	95	1.098	1.098	NUM
ajfa-3023	283	96	*	*	PUNCT
ajfa-3023	283	97	*	*	PUNCT
ajfa-3023	283	98	*	*	PUNCT
ajfa-3023	283	99	(	(	PUNCT
ajfa-3023	283	100	0.325	0.325	NUM
ajfa-3023	283	101	)	)	PUNCT
ajfa-3023	283	102	(	(	PUNCT
ajfa-3023	283	103	0.014	0.014	NUM
ajfa-3023	283	104	)	)	PUNCT
ajfa-3023	283	105	(	(	PUNCT
ajfa-3023	283	106	0.187	0.187	NUM
ajfa-3023	283	107	)	)	PUNCT
ajfa-3023	283	108	diprem	diprem	VERB
ajfa-3023	283	109	x	x	PUNCT
ajfa-3023	283	110	law	law	NOUN
ajfa-3023	283	111	0.510	0.510	NUM
ajfa-3023	283	112	*	*	PUNCT
ajfa-3023	283	113	*	*	PUNCT
ajfa-3023	283	114	*	*	PUNCT
ajfa-3023	283	115	-0.016	-0.016	PUNCT
ajfa-3023	283	116	*	*	PUNCT
ajfa-3023	283	117	*	*	PUNCT
ajfa-3023	283	118	*	*	X
ajfa-3023	283	119	0.019	0.019	NUM
ajfa-3023	283	120	(	(	PUNCT
ajfa-3023	283	121	0.040	0.040	NUM
ajfa-3023	283	122	)	)	PUNCT
ajfa-3023	283	123	(	(	PUNCT
ajfa-3023	283	124	0.003	0.003	NUM
ajfa-3023	283	125	)	)	PUNCT
ajfa-3023	283	126	(	(	PUNCT
ajfa-3023	283	127	0.018	0.018	NUM
ajfa-3023	283	128	)	)	PUNCT
ajfa-3023	283	129	gdp	gdp	NOUN
ajfa-3023	283	130	-1.608	-1.608	PUNCT
ajfa-3023	283	131	*	*	PUNCT
ajfa-3023	283	132	*	*	PUNCT
ajfa-3023	283	133	*	*	PUNCT
ajfa-3023	283	134	-0.006	-0.006	X
ajfa-3023	283	135	0.318	0.318	NUM
ajfa-3023	283	136	*	*	PUNCT
ajfa-3023	283	137	*	*	PUNCT
ajfa-3023	283	138	*	*	PUNCT
ajfa-3023	283	139	(	(	PUNCT
ajfa-3023	283	140	0.303	0.303	NUM
ajfa-3023	283	141	)	)	PUNCT
ajfa-3023	283	142	(	(	PUNCT
ajfa-3023	283	143	0.023	0.023	NUM
ajfa-3023	283	144	)	)	PUNCT
ajfa-3023	283	145	(	(	PUNCT
ajfa-3023	283	146	0.115	0.115	NUM
ajfa-3023	283	147	)	)	PUNCT
ajfa-3023	283	148	rint	rint	VERB
ajfa-3023	283	149	3.982	3.982	NUM
ajfa-3023	283	150	*	*	PUNCT
ajfa-3023	283	151	*	*	PUNCT
ajfa-3023	283	152	*	*	NOUN
ajfa-3023	283	153	0.032	0.032	NUM
ajfa-3023	283	154	0.515	0.515	NUM
ajfa-3023	283	155	*	*	PUNCT
ajfa-3023	283	156	*	*	PUNCT
ajfa-3023	283	157	*	*	PUNCT
ajfa-3023	283	158	(	(	PUNCT
ajfa-3023	283	159	0.574	0.574	NUM
ajfa-3023	283	160	)	)	PUNCT
ajfa-3023	283	161	(	(	PUNCT
ajfa-3023	283	162	0.041	0.041	NUM
ajfa-3023	283	163	)	)	PUNCT
ajfa-3023	283	164	(	(	PUNCT
ajfa-3023	283	165	0.149	0.149	NUM
ajfa-3023	283	166	)	)	PUNCT
ajfa-3023	283	167	inf	inf	NOUN
ajfa-3023	283	168	5.751	5.751	NUM
ajfa-3023	283	169	*	*	PUNCT
ajfa-3023	283	170	*	*	PUNCT
ajfa-3023	283	171	*	*	PUNCT
ajfa-3023	283	172	-0.038	-0.038	PUNCT
ajfa-3023	283	173	0.023	0.023	NUM
ajfa-3023	283	174	(	(	PUNCT
ajfa-3023	283	175	0.517	0.517	NUM
ajfa-3023	283	176	)	)	PUNCT
ajfa-3023	283	177	(	(	PUNCT
ajfa-3023	283	178	0.045	0.045	NUM
ajfa-3023	283	179	)	)	PUNCT
ajfa-3023	283	180	(	(	PUNCT
ajfa-3023	283	181	0.161	0.161	NUM
ajfa-3023	283	182	)	)	PUNCT
ajfa-3023	283	183	law	law	NOUN
ajfa-3023	283	184	0.244	0.244	NOUN
ajfa-3023	283	185	*	*	PUNCT
ajfa-3023	283	186	*	*	PUNCT
ajfa-3023	283	187	*	*	PUNCT
ajfa-3023	283	188	-0.004	-0.004	PROPN
ajfa-3023	283	189	*	*	PUNCT
ajfa-3023	283	190	-0.020	-0.020	PROPN
ajfa-3023	283	191	*	*	PUNCT
ajfa-3023	283	192	*	*	PUNCT
ajfa-3023	283	193	(	(	PUNCT
ajfa-3023	283	194	0.035	0.035	NUM
ajfa-3023	283	195	)	)	PUNCT
ajfa-3023	283	196	(	(	PUNCT
ajfa-3023	283	197	0.002	0.002	NUM
ajfa-3023	283	198	)	)	PUNCT
ajfa-3023	283	199	(	(	PUNCT
ajfa-3023	283	200	0.009	0.009	NUM
ajfa-3023	283	201	)	)	PUNCT
ajfa-3023	283	202	intercept	intercept	VERB
ajfa-3023	283	203	3.917	3.917	NUM
ajfa-3023	283	204	*	*	PUNCT
ajfa-3023	283	205	*	*	PUNCT
ajfa-3023	283	206	*	*	PUNCT
ajfa-3023	283	207	0.090	0.090	NUM
ajfa-3023	283	208	*	*	PUNCT
ajfa-3023	283	209	*	*	PUNCT
ajfa-3023	283	210	*	*	PUNCT
ajfa-3023	283	211	0.399	0.399	NUM
ajfa-3023	283	212	*	*	PUNCT
ajfa-3023	283	213	*	*	PUNCT
ajfa-3023	283	214	*	*	PUNCT
ajfa-3023	283	215	(	(	PUNCT
ajfa-3023	283	216	0.162	0.162	NUM
ajfa-3023	283	217	)	)	PUNCT
ajfa-3023	283	218	(	(	PUNCT
ajfa-3023	283	219	0.015	0.015	NUM
ajfa-3023	283	220	)	)	PUNCT
ajfa-3023	283	221	(	(	PUNCT
ajfa-3023	283	222	0.050	0.050	NUM
ajfa-3023	283	223	)	)	PUNCT
ajfa-3023	283	224	wald	wald	NOUN
ajfa-3023	283	225	chi2	chi2	NOUN
ajfa-3023	283	226	1682.47	1682.47	NUM
ajfa-3023	283	227	665.58	665.58	NUM
ajfa-3023	283	228	554.17	554.17	NUM
ajfa-3023	283	229	wald	wald	X
ajfa-3023	283	230	p	p	NOUN
ajfa-3023	283	231	-	-	PUNCT
ajfa-3023	283	232	value	value	NOUN
ajfa-3023	283	233	0.000	0.000	NUM
ajfa-3023	283	234	0.000	0.000	NUM
ajfa-3023	283	235	0.000	0.000	NUM
ajfa-3023	284	1	no	no	NOUN
ajfa-3023	284	2	.	.	PUNCT
ajfa-3023	284	3	of	of	ADP
ajfa-3023	284	4	obs	obs	PROPN
ajfa-3023	284	5	.	.	PUNCT
ajfa-3023	285	1	747	747	NUM
ajfa-3023	285	2	716	716	NUM
ajfa-3023	285	3	757	757	NUM
ajfa-3023	285	4	number	number	NOUN
ajfa-3023	285	5	of	of	ADP
ajfa-3023	285	6	banks	bank	NOUN
ajfa-3023	285	7	156	156	NUM
ajfa-3023	285	8	150	150	NUM
ajfa-3023	285	9	151	151	NUM
ajfa-3023	285	10	the	the	DET
ajfa-3023	285	11	table	table	NOUN
ajfa-3023	285	12	reports	report	NOUN
ajfa-3023	285	13	coefficient	coefficient	NOUN
ajfa-3023	285	14	estimates	estimate	NOUN
ajfa-3023	285	15	from	from	ADP
ajfa-3023	285	16	panel	panel	NOUN
ajfa-3023	285	17	fgls	fgls	NOUN
ajfa-3023	285	18	.	.	PUNCT
ajfa-3023	286	1	standard	standard	ADJ
ajfa-3023	286	2	errors	error	NOUN
ajfa-3023	286	3	in	in	ADP
ajfa-3023	286	4	parentheses	parenthesis	NOUN
ajfa-3023	286	5	are	be	AUX
ajfa-3023	286	6	based	base	VERB
ajfa-3023	286	7	on	on	ADP
ajfa-3023	286	8	white	white	ADJ
ajfa-3023	286	9	type	type	NOUN
ajfa-3023	286	10	standard	standard	ADJ
ajfa-3023	286	11	errors	error	NOUN
ajfa-3023	286	12	robust	robust	ADJ
ajfa-3023	286	13	to	to	ADP
ajfa-3023	286	14	time	time	NOUN
ajfa-3023	286	15	-	-	PUNCT
ajfa-3023	286	16	varying	vary	VERB
ajfa-3023	286	17	residuals	residual	NOUN
ajfa-3023	286	18	and	and	CCONJ
ajfa-3023	286	19	correlation	correlation	NOUN
ajfa-3023	286	20	over	over	ADP
ajfa-3023	286	21	time	time	NOUN
ajfa-3023	286	22	within	within	ADP
ajfa-3023	286	23	cross	cross	ADJ
ajfa-3023	286	24	-	-	ADJ
ajfa-3023	286	25	section	section	ADJ
ajfa-3023	286	26	units	unit	NOUN
ajfa-3023	286	27	.	.	PUNCT
ajfa-3023	287	1	see	see	VERB
ajfa-3023	287	2	table	table	NOUN
ajfa-3023	287	3	1	1	NUM
ajfa-3023	287	4	for	for	ADP
ajfa-3023	287	5	variable	variable	ADJ
ajfa-3023	287	6	definitions	definition	NOUN
ajfa-3023	287	7	.	.	PUNCT
ajfa-3023	288	1	*	*	PUNCT
ajfa-3023	288	2	,	,	PUNCT
ajfa-3023	288	3	*	*	PUNCT
ajfa-3023	288	4	*	*	PUNCT
ajfa-3023	288	5	,	,	PUNCT
ajfa-3023	288	6	*	*	PUNCT
ajfa-3023	288	7	*	*	PUNCT
ajfa-3023	288	8	*	*	PUNCT
ajfa-3023	288	9	indicate	indicate	VERB
ajfa-3023	288	10	statistical	statistical	ADJ
ajfa-3023	288	11	significance	significance	NOUN
ajfa-3023	288	12	at	at	ADP
ajfa-3023	288	13	the	the	DET
ajfa-3023	288	14	10	10	NUM
ajfa-3023	288	15	%	%	NOUN
ajfa-3023	288	16	,	,	PUNCT
ajfa-3023	288	17	5	5	NUM
ajfa-3023	288	18	%	%	NOUN
ajfa-3023	288	19	and	and	CCONJ
ajfa-3023	288	20	1	1	NUM
ajfa-3023	288	21	%	%	NOUN
ajfa-3023	288	22	percent	percent	NOUN
ajfa-3023	288	23	,	,	PUNCT
ajfa-3023	288	24	respectively	respectively	ADV
ajfa-3023	288	25	.	.	PUNCT
ajfa-3023	289	1	asian	asian	ADJ
ajfa-3023	289	2	journal	journal	PROPN
ajfa-3023	289	3	of	of	ADP
ajfa-3023	289	4	finance	finance	PROPN
ajfa-3023	289	5	&	&	CCONJ
ajfa-3023	289	6	accounting	accounting	PROPN
ajfa-3023	289	7	issn	issn	PROPN
ajfa-3023	289	8	1946	1946	NUM
ajfa-3023	289	9	-	-	PUNCT
ajfa-3023	289	10	052x	052x	NOUN
ajfa-3023	289	11	2013	2013	NUM
ajfa-3023	289	12	,	,	PUNCT
ajfa-3023	289	13	vol	vol	NOUN
ajfa-3023	289	14	.	.	PROPN
ajfa-3023	289	15	5	5	NUM
ajfa-3023	289	16	,	,	PUNCT
ajfa-3023	289	17	no	no	INTJ
ajfa-3023	289	18	.	.	NOUN
ajfa-3023	289	19	1	1	NUM
ajfa-3023	289	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	289	21	120	120	NUM
ajfa-3023	289	22	our	our	PRON
ajfa-3023	289	23	robustness	robustness	NOUN
ajfa-3023	289	24	checks	check	NOUN
ajfa-3023	289	25	are	be	AUX
ajfa-3023	289	26	based	base	VERB
ajfa-3023	289	27	on	on	ADP
ajfa-3023	289	28	three	three	NUM
ajfa-3023	289	29	variations	variation	NOUN
ajfa-3023	289	30	to	to	ADP
ajfa-3023	289	31	the	the	DET
ajfa-3023	289	32	estimation	estimation	NOUN
ajfa-3023	289	33	process	process	NOUN
ajfa-3023	289	34	.	.	PUNCT
ajfa-3023	290	1	firstly	firstly	ADV
ajfa-3023	290	2	,	,	PUNCT
ajfa-3023	290	3	we	we	PRON
ajfa-3023	290	4	estimate	estimate	VERB
ajfa-3023	290	5	all	all	DET
ajfa-3023	290	6	specifications	specification	NOUN
ajfa-3023	290	7	presented	present	VERB
ajfa-3023	290	8	in	in	ADP
ajfa-3023	290	9	tables	table	NOUN
ajfa-3023	290	10	3	3	NUM
ajfa-3023	290	11	-	-	SYM
ajfa-3023	290	12	5	5	NUM
ajfa-3023	290	13	with	with	ADP
ajfa-3023	290	14	time	time	NOUN
ajfa-3023	290	15	dummies	dummy	NOUN
ajfa-3023	290	16	.	.	PUNCT
ajfa-3023	291	1	these	these	DET
ajfa-3023	291	2	regressions	regression	NOUN
ajfa-3023	291	3	show	show	VERB
ajfa-3023	291	4	no	no	DET
ajfa-3023	291	5	significant	significant	ADJ
ajfa-3023	291	6	qualitative	qualitative	ADJ
ajfa-3023	291	7	differences	difference	NOUN
ajfa-3023	291	8	in	in	ADP
ajfa-3023	291	9	the	the	DET
ajfa-3023	291	10	results	result	NOUN
ajfa-3023	291	11	.	.	PUNCT
ajfa-3023	292	1	hence	hence	ADV
ajfa-3023	292	2	we	we	PRON
ajfa-3023	292	3	do	do	AUX
ajfa-3023	292	4	not	not	PART
ajfa-3023	292	5	report	report	VERB
ajfa-3023	292	6	the	the	DET
ajfa-3023	292	7	results	result	NOUN
ajfa-3023	292	8	here	here	ADV
ajfa-3023	292	9	(	(	PUNCT
ajfa-3023	292	10	available	available	ADJ
ajfa-3023	292	11	upon	upon	SCONJ
ajfa-3023	292	12	request	request	NOUN
ajfa-3023	292	13	from	from	ADP
ajfa-3023	292	14	the	the	DET
ajfa-3023	292	15	authors	author	NOUN
ajfa-3023	292	16	)	)	PUNCT
ajfa-3023	292	17	.	.	PUNCT
ajfa-3023	293	1	secondly	secondly	ADV
ajfa-3023	293	2	,	,	PUNCT
ajfa-3023	293	3	we	we	PRON
ajfa-3023	293	4	replace	replace	VERB
ajfa-3023	293	5	npl	npl	NOUN
ajfa-3023	293	6	ratio	ratio	NOUN
ajfa-3023	293	7	as	as	ADP
ajfa-3023	293	8	a	a	DET
ajfa-3023	293	9	credit	credit	NOUN
ajfa-3023	293	10	risk	risk	NOUN
ajfa-3023	293	11	proxy	proxy	NOUN
ajfa-3023	293	12	with	with	ADP
ajfa-3023	293	13	the	the	DET
ajfa-3023	293	14	ratio	ratio	NOUN
ajfa-3023	293	15	of	of	ADP
ajfa-3023	293	16	loan	loan	NOUN
ajfa-3023	293	17	loss	loss	NOUN
ajfa-3023	293	18	reserves	reserve	NOUN
ajfa-3023	293	19	to	to	ADP
ajfa-3023	293	20	total	total	ADJ
ajfa-3023	293	21	loans	loan	NOUN
ajfa-3023	293	22	denoted	denote	VERB
ajfa-3023	293	23	as	as	ADP
ajfa-3023	293	24	llp	llp	PROPN
ajfa-3023	293	25	.	.	PUNCT
ajfa-3023	294	1	this	this	DET
ajfa-3023	294	2	variation	variation	NOUN
ajfa-3023	294	3	is	be	AUX
ajfa-3023	294	4	suggested	suggest	VERB
ajfa-3023	294	5	by	by	ADP
ajfa-3023	294	6	the	the	DET
ajfa-3023	294	7	fact	fact	NOUN
ajfa-3023	294	8	that	that	SCONJ
ajfa-3023	294	9	loans	loan	NOUN
ajfa-3023	294	10	loss	loss	NOUN
ajfa-3023	294	11	provision	provision	NOUN
ajfa-3023	294	12	ratio	ratio	NOUN
ajfa-3023	294	13	may	may	AUX
ajfa-3023	294	14	be	be	AUX
ajfa-3023	294	15	more	more	ADV
ajfa-3023	294	16	accurate	accurate	ADJ
ajfa-3023	294	17	to	to	PART
ajfa-3023	294	18	measure	measure	VERB
ajfa-3023	294	19	asset	asset	NOUN
ajfa-3023	294	20	risk	risk	NOUN
ajfa-3023	294	21	in	in	ADP
ajfa-3023	294	22	terms	term	NOUN
ajfa-3023	294	23	of	of	ADP
ajfa-3023	294	24	bank	bank	NOUN
ajfa-3023	294	25	’s	’s	PART
ajfa-3023	294	26	preparedness	preparedness	NOUN
ajfa-3023	294	27	to	to	ADP
ajfa-3023	294	28	writing	writing	NOUN
ajfa-3023	294	29	-	-	PUNCT
ajfa-3023	294	30	off	off	ADP
ajfa-3023	294	31	bad	bad	ADJ
ajfa-3023	294	32	loans	loan	NOUN
ajfa-3023	294	33	.	.	PUNCT
ajfa-3023	295	1	the	the	DET
ajfa-3023	295	2	results	result	NOUN
ajfa-3023	295	3	are	be	AUX
ajfa-3023	295	4	presented	present	VERB
ajfa-3023	295	5	in	in	ADP
ajfa-3023	295	6	table	table	NOUN
ajfa-3023	295	7	6	6	NUM
ajfa-3023	295	8	.	.	PUNCT
ajfa-3023	296	1	the	the	DET
ajfa-3023	296	2	coefficients	coefficient	NOUN
ajfa-3023	296	3	of	of	ADP
ajfa-3023	296	4	the	the	DET
ajfa-3023	296	5	deposit	deposit	NOUN
ajfa-3023	296	6	insurance	insurance	NOUN
ajfa-3023	296	7	variables	variable	NOUN
ajfa-3023	296	8	are	be	AUX
ajfa-3023	296	9	basically	basically	ADV
ajfa-3023	296	10	similar	similar	ADJ
ajfa-3023	296	11	to	to	ADP
ajfa-3023	296	12	those	those	PRON
ajfa-3023	296	13	obtained	obtain	VERB
ajfa-3023	296	14	in	in	ADP
ajfa-3023	296	15	the	the	DET
ajfa-3023	296	16	previous	previous	ADJ
ajfa-3023	296	17	specifications	specification	NOUN
ajfa-3023	296	18	.	.	PUNCT
ajfa-3023	297	1	thirdly	thirdly	ADV
ajfa-3023	297	2	,	,	PUNCT
ajfa-3023	297	3	we	we	PRON
ajfa-3023	297	4	apply	apply	VERB
ajfa-3023	297	5	a	a	DET
ajfa-3023	297	6	feasible	feasible	ADJ
ajfa-3023	297	7	two	two	NUM
ajfa-3023	297	8	-	-	PUNCT
ajfa-3023	297	9	stage	stage	NOUN
ajfa-3023	297	10	least	least	ADJ
ajfa-3023	297	11	square	square	ADJ
ajfa-3023	297	12	model	model	NOUN
ajfa-3023	297	13	to	to	PART
ajfa-3023	297	14	analyze	analyze	VERB
ajfa-3023	297	15	the	the	DET
ajfa-3023	297	16	influence	influence	NOUN
ajfa-3023	297	17	of	of	ADP
ajfa-3023	297	18	tier	tier	NOUN
ajfa-3023	297	19	1	1	NUM
ajfa-3023	297	20	capital	capital	NOUN
ajfa-3023	297	21	ratio	ratio	NOUN
ajfa-3023	297	22	interacted	interact	VERB
ajfa-3023	297	23	with	with	ADP
ajfa-3023	297	24	the	the	DET
ajfa-3023	297	25	deposit	deposit	NOUN
ajfa-3023	297	26	premium	premium	NOUN
ajfa-3023	297	27	dummy	dummy	NOUN
ajfa-3023	297	28	,	,	PUNCT
ajfa-3023	297	29	diprem	diprem	VERB
ajfa-3023	297	30	.	.	PUNCT
ajfa-3023	298	1	tier	tier	NOUN
ajfa-3023	298	2	1	1	NUM
ajfa-3023	298	3	capital	capital	NOUN
ajfa-3023	298	4	ratio	ratio	NOUN
ajfa-3023	298	5	can	can	AUX
ajfa-3023	298	6	be	be	AUX
ajfa-3023	298	7	endogenous	endogenous	ADJ
ajfa-3023	298	8	because	because	SCONJ
ajfa-3023	298	9	bank	bank	NOUN
ajfa-3023	298	10	assets	asset	NOUN
ajfa-3023	298	11	and	and	CCONJ
ajfa-3023	298	12	capital	capital	NOUN
ajfa-3023	298	13	structure	structure	NOUN
ajfa-3023	298	14	determines	determine	VERB
ajfa-3023	298	15	the	the	DET
ajfa-3023	298	16	capital	capital	NOUN
ajfa-3023	298	17	adequacy	adequacy	NOUN
ajfa-3023	298	18	.	.	PUNCT
ajfa-3023	299	1	in	in	ADP
ajfa-3023	299	2	the	the	DET
ajfa-3023	299	3	first	first	ADJ
ajfa-3023	299	4	stage	stage	NOUN
ajfa-3023	299	5	,	,	PUNCT
ajfa-3023	299	6	tier	tier	NOUN
ajfa-3023	299	7	1	1	NUM
ajfa-3023	299	8	capital	capital	NOUN
ajfa-3023	299	9	ratio	ratio	NOUN
ajfa-3023	299	10	is	be	AUX
ajfa-3023	299	11	defined	define	VERB
ajfa-3023	299	12	as	as	ADP
ajfa-3023	299	13	a	a	DET
ajfa-3023	299	14	function	function	NOUN
ajfa-3023	299	15	of	of	ADP
ajfa-3023	299	16	the	the	DET
ajfa-3023	299	17	bank	bank	NOUN
ajfa-3023	299	18	variables	variable	NOUN
ajfa-3023	299	19	and	and	CCONJ
ajfa-3023	299	20	the	the	DET
ajfa-3023	299	21	macroeconomic	macroeconomic	ADJ
ajfa-3023	299	22	and	and	CCONJ
ajfa-3023	299	23	country	country	NOUN
ajfa-3023	299	24	-	-	PUNCT
ajfa-3023	299	25	specific	specific	ADJ
ajfa-3023	299	26	variables	variable	NOUN
ajfa-3023	299	27	.	.	PUNCT
ajfa-3023	300	1	in	in	ADP
ajfa-3023	300	2	the	the	DET
ajfa-3023	300	3	second	second	ADJ
ajfa-3023	300	4	stage	stage	NOUN
ajfa-3023	300	5	,	,	PUNCT
ajfa-3023	300	6	we	we	PRON
ajfa-3023	300	7	incorporate	incorporate	VERB
ajfa-3023	300	8	the	the	DET
ajfa-3023	300	9	tier	tier	NOUN
ajfa-3023	300	10	1	1	NUM
ajfa-3023	300	11	capital	capital	NOUN
ajfa-3023	300	12	ratio	ratio	NOUN
ajfa-3023	300	13	,	,	PUNCT
ajfa-3023	300	14	tier1hat	tier1hat	PRON
ajfa-3023	300	15	,	,	PUNCT
ajfa-3023	300	16	predicted	predict	VERB
ajfa-3023	300	17	by	by	ADP
ajfa-3023	300	18	the	the	DET
ajfa-3023	300	19	first	first	ADJ
ajfa-3023	300	20	stage	stage	NOUN
ajfa-3023	300	21	as	as	ADP
ajfa-3023	300	22	explanatory	explanatory	ADJ
ajfa-3023	300	23	variables	variable	NOUN
ajfa-3023	300	24	together	together	ADV
ajfa-3023	300	25	with	with	ADP
ajfa-3023	300	26	the	the	DET
ajfa-3023	300	27	macroeconomic	macroeconomic	ADJ
ajfa-3023	300	28	and	and	CCONJ
ajfa-3023	300	29	country	country	NOUN
ajfa-3023	300	30	-	-	PUNCT
ajfa-3023	300	31	specific	specific	ADJ
ajfa-3023	300	32	variables	variable	NOUN
ajfa-3023	300	33	,	,	PUNCT
ajfa-3023	300	34	bank	bank	NOUN
ajfa-3023	300	35	variables	variable	NOUN
ajfa-3023	300	36	and	and	CCONJ
ajfa-3023	300	37	deposit	deposit	NOUN
ajfa-3023	300	38	insurance	insurance	NOUN
ajfa-3023	300	39	variables	variable	NOUN
ajfa-3023	300	40	.	.	PUNCT
ajfa-3023	301	1	table	table	NOUN
ajfa-3023	301	2	7	7	NUM
ajfa-3023	301	3	presents	present	VERB
ajfa-3023	301	4	the	the	DET
ajfa-3023	301	5	results	result	NOUN
ajfa-3023	301	6	obtained	obtain	VERB
ajfa-3023	301	7	from	from	ADP
ajfa-3023	301	8	the	the	DET
ajfa-3023	301	9	feasible	feasible	ADJ
ajfa-3023	301	10	two	two	NUM
ajfa-3023	301	11	-	-	PUNCT
ajfa-3023	301	12	stage	stage	NOUN
ajfa-3023	301	13	least	least	ADJ
ajfa-3023	301	14	squares	square	NOUN
ajfa-3023	301	15	.	.	PUNCT
ajfa-3023	302	1	the	the	DET
ajfa-3023	302	2	results	result	NOUN
ajfa-3023	302	3	are	be	AUX
ajfa-3023	302	4	largely	largely	ADV
ajfa-3023	302	5	consistent	consistent	ADJ
ajfa-3023	302	6	with	with	ADP
ajfa-3023	302	7	those	those	PRON
ajfa-3023	302	8	presented	present	VERB
ajfa-3023	302	9	in	in	ADP
ajfa-3023	302	10	table	table	NOUN
ajfa-3023	302	11	4	4	NUM
ajfa-3023	302	12	.	.	PUNCT
ajfa-3023	303	1	however	however	ADV
ajfa-3023	303	2	,	,	PUNCT
ajfa-3023	303	3	we	we	PRON
ajfa-3023	303	4	find	find	VERB
ajfa-3023	303	5	that	that	SCONJ
ajfa-3023	303	6	the	the	DET
ajfa-3023	303	7	most	most	ADJ
ajfa-3023	303	8	coefficients	coefficient	NOUN
ajfa-3023	303	9	become	become	VERB
ajfa-3023	303	10	insignificant	insignificant	ADJ
ajfa-3023	303	11	in	in	ADP
ajfa-3023	303	12	liquidity	liquidity	NOUN
ajfa-3023	303	13	risk	risk	NOUN
ajfa-3023	303	14	estimation	estimation	NOUN
ajfa-3023	303	15	.	.	PUNCT
ajfa-3023	304	1	the	the	DET
ajfa-3023	304	2	significantly	significantly	ADV
ajfa-3023	304	3	positive	positive	ADJ
ajfa-3023	304	4	effect	effect	NOUN
ajfa-3023	304	5	of	of	ADP
ajfa-3023	304	6	diprem	diprem	NOUN
ajfa-3023	304	7	x	x	X
ajfa-3023	304	8	tier1hat	tier1hat	ADP
ajfa-3023	304	9	on	on	ADP
ajfa-3023	304	10	z	z	NOUN
ajfa-3023	304	11	-	-	PUNCT
ajfa-3023	304	12	score	score	NOUN
ajfa-3023	304	13	confirms	confirm	VERB
ajfa-3023	304	14	that	that	SCONJ
ajfa-3023	304	15	the	the	DET
ajfa-3023	304	16	twin	twin	ADJ
ajfa-3023	304	17	effects	effect	NOUN
ajfa-3023	304	18	of	of	ADP
ajfa-3023	304	19	a	a	DET
ajfa-3023	304	20	risk	risk	NOUN
ajfa-3023	304	21	-	-	PUNCT
ajfa-3023	304	22	based	base	VERB
ajfa-3023	304	23	deposit	deposit	NOUN
ajfa-3023	304	24	insurance	insurance	NOUN
ajfa-3023	304	25	scheme	scheme	NOUN
ajfa-3023	304	26	and	and	CCONJ
ajfa-3023	304	27	the	the	DET
ajfa-3023	304	28	regulatory	regulatory	ADJ
ajfa-3023	304	29	prudential	prudential	PROPN
ajfa-3023	304	30	norms	norm	NOUN
ajfa-3023	304	31	discourage	discourage	VERB
ajfa-3023	304	32	banks	bank	NOUN
ajfa-3023	304	33	’	’	PART
ajfa-3023	304	34	risk	risk	NOUN
ajfa-3023	304	35	-	-	PUNCT
ajfa-3023	304	36	taking	taking	NOUN
ajfa-3023	304	37	.	.	PUNCT
ajfa-3023	305	1	since	since	SCONJ
ajfa-3023	305	2	a	a	DET
ajfa-3023	305	3	risk	risk	NOUN
ajfa-3023	305	4	-	-	PUNCT
ajfa-3023	305	5	based	base	VERB
ajfa-3023	305	6	premium	premium	NOUN
ajfa-3023	305	7	system	system	NOUN
ajfa-3023	305	8	eliminates	eliminate	VERB
ajfa-3023	305	9	the	the	DET
ajfa-3023	305	10	free	free	ADJ
ajfa-3023	305	11	-	-	PUNCT
ajfa-3023	305	12	rider	rider	NOUN
ajfa-3023	305	13	problem	problem	NOUN
ajfa-3023	305	14	and	and	CCONJ
ajfa-3023	305	15	discourages	discourage	VERB
ajfa-3023	305	16	banks	bank	NOUN
ajfa-3023	305	17	’	’	PART
ajfa-3023	305	18	risk	risk	NOUN
ajfa-3023	305	19	-	-	PUNCT
ajfa-3023	305	20	taking	taking	NOUN
ajfa-3023	305	21	in	in	ADP
ajfa-3023	305	22	countries	country	NOUN
ajfa-3023	305	23	with	with	ADP
ajfa-3023	305	24	higher	high	ADJ
ajfa-3023	305	25	institutional	institutional	ADJ
ajfa-3023	305	26	quality	quality	NOUN
ajfa-3023	305	27	,	,	PUNCT
ajfa-3023	305	28	the	the	DET
ajfa-3023	305	29	empirical	empirical	ADJ
ajfa-3023	305	30	results	result	NOUN
ajfa-3023	305	31	on	on	ADP
ajfa-3023	305	32	diprem	diprem	VERB
ajfa-3023	305	33	x	x	SYM
ajfa-3023	305	34	law	law	NOUN
ajfa-3023	305	35	are	be	AUX
ajfa-3023	305	36	consistent	consistent	ADJ
ajfa-3023	305	37	with	with	ADP
ajfa-3023	305	38	the	the	DET
ajfa-3023	305	39	hypothesis	hypothesis	NOUN
ajfa-3023	305	40	3	3	NUM
ajfa-3023	305	41	.	.	PUNCT
ajfa-3023	305	42	asian	asian	ADJ
ajfa-3023	305	43	journal	journal	PROPN
ajfa-3023	305	44	of	of	ADP
ajfa-3023	305	45	finance	finance	PROPN
ajfa-3023	305	46	&	&	CCONJ
ajfa-3023	305	47	accounting	accounting	PROPN
ajfa-3023	305	48	issn	issn	PROPN
ajfa-3023	305	49	1946	1946	NUM
ajfa-3023	305	50	-	-	PUNCT
ajfa-3023	305	51	052x	052x	NOUN
ajfa-3023	305	52	2013	2013	NUM
ajfa-3023	305	53	,	,	PUNCT
ajfa-3023	305	54	vol	vol	NOUN
ajfa-3023	305	55	.	.	PROPN
ajfa-3023	305	56	5	5	NUM
ajfa-3023	305	57	,	,	PUNCT
ajfa-3023	305	58	no	no	INTJ
ajfa-3023	305	59	.	.	NOUN
ajfa-3023	305	60	1	1	NUM
ajfa-3023	305	61	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	305	62	121	121	NUM
ajfa-3023	305	63	table	table	NOUN
ajfa-3023	305	64	6	6	NUM
ajfa-3023	305	65	.	.	PUNCT
ajfa-3023	306	1	the	the	DET
ajfa-3023	306	2	relationship	relationship	NOUN
ajfa-3023	306	3	between	between	ADP
ajfa-3023	306	4	loan	loan	NOUN
ajfa-3023	306	5	loss	loss	NOUN
ajfa-3023	306	6	reserves	reserve	NOUN
ajfa-3023	306	7	and	and	CCONJ
ajfa-3023	306	8	deposit	deposit	NOUN
ajfa-3023	306	9	insurance	insurance	NOUN
ajfa-3023	306	10	(	(	PUNCT
ajfa-3023	306	11	1	1	NUM
ajfa-3023	306	12	)	)	PUNCT
ajfa-3023	306	13	(	(	PUNCT
ajfa-3023	306	14	2	2	NUM
ajfa-3023	306	15	)	)	PUNCT
ajfa-3023	306	16	(	(	PUNCT
ajfa-3023	306	17	3	3	X
ajfa-3023	306	18	)	)	PUNCT
ajfa-3023	306	19	(	(	PUNCT
ajfa-3023	306	20	4	4	X
ajfa-3023	306	21	)	)	PUNCT
ajfa-3023	306	22	variables	variable	NOUN
ajfa-3023	306	23	llp	llp	PROPN
ajfa-3023	306	24	llp	llp	PROPN
ajfa-3023	306	25	llp	llp	PROPN
ajfa-3023	306	26	llp	llp	PROPN
ajfa-3023	306	27	ta	ta	ADP
ajfa-3023	306	28	0.006	0.006	NUM
ajfa-3023	306	29	0.005	0.005	NUM
ajfa-3023	306	30	-0.004	-0.004	PUNCT
ajfa-3023	306	31	*	*	PUNCT
ajfa-3023	306	32	-0.005	-0.005	PUNCT
ajfa-3023	306	33	*	*	PUNCT
ajfa-3023	306	34	*	*	PUNCT
ajfa-3023	306	35	*	*	PUNCT
ajfa-3023	306	36	(	(	PUNCT
ajfa-3023	306	37	0.006	0.006	NUM
ajfa-3023	306	38	)	)	PUNCT
ajfa-3023	306	39	(	(	PUNCT
ajfa-3023	306	40	0.006	0.006	NUM
ajfa-3023	306	41	)	)	PUNCT
ajfa-3023	306	42	(	(	PUNCT
ajfa-3023	306	43	0.002	0.002	NUM
ajfa-3023	306	44	)	)	PUNCT
ajfa-3023	306	45	(	(	PUNCT
ajfa-3023	306	46	0.002	0.002	NUM
ajfa-3023	306	47	)	)	PUNCT
ajfa-3023	306	48	ta2	ta2	PROPN
ajfa-3023	306	49	-0.000	-0.000	PUNCT
ajfa-3023	306	50	*	*	PUNCT
ajfa-3023	306	51	*	*	PUNCT
ajfa-3023	306	52	-0.000	-0.000	PROPN
ajfa-3023	306	53	*	*	PUNCT
ajfa-3023	306	54	(	(	PUNCT
ajfa-3023	306	55	0.000	0.000	NUM
ajfa-3023	306	56	)	)	PUNCT
ajfa-3023	306	57	(	(	PUNCT
ajfa-3023	306	58	0.000	0.000	X
ajfa-3023	306	59	)	)	PUNCT
ajfa-3023	306	60	td	td	NOUN
ajfa-3023	306	61	-0.014	-0.014	NOUN
ajfa-3023	306	62	-0.016	-0.016	PUNCT
ajfa-3023	306	63	0.011	0.011	NUM
ajfa-3023	306	64	0.013	0.013	NUM
ajfa-3023	306	65	(	(	PUNCT
ajfa-3023	306	66	0.037	0.037	NUM
ajfa-3023	306	67	)	)	PUNCT
ajfa-3023	306	68	(	(	PUNCT
ajfa-3023	306	69	0.037	0.037	NUM
ajfa-3023	306	70	)	)	PUNCT
ajfa-3023	306	71	(	(	PUNCT
ajfa-3023	306	72	0.028	0.028	NUM
ajfa-3023	306	73	)	)	PUNCT
ajfa-3023	306	74	(	(	PUNCT
ajfa-3023	306	75	0.015	0.015	NUM
ajfa-3023	306	76	)	)	PUNCT
ajfa-3023	306	77	depba	depba	NOUN
ajfa-3023	306	78	0.002	0.002	NUM
ajfa-3023	306	79	-0.008	-0.008	NOUN
ajfa-3023	306	80	-0.076	-0.076	PROPN
ajfa-3023	306	81	-0.012	-0.012	INTJ
ajfa-3023	306	82	(	(	PUNCT
ajfa-3023	306	83	0.055	0.055	NUM
ajfa-3023	306	84	)	)	PUNCT
ajfa-3023	306	85	(	(	PUNCT
ajfa-3023	306	86	0.053	0.053	NUM
ajfa-3023	306	87	)	)	PUNCT
ajfa-3023	306	88	(	(	PUNCT
ajfa-3023	306	89	0.052	0.052	NUM
ajfa-3023	306	90	)	)	PUNCT
ajfa-3023	306	91	(	(	PUNCT
ajfa-3023	306	92	0.024	0.024	NUM
ajfa-3023	306	93	)	)	PUNCT
ajfa-3023	306	94	nii	nii	PROPN
ajfa-3023	306	95	0.022	0.022	NUM
ajfa-3023	306	96	0.023	0.023	NUM
ajfa-3023	306	97	*	*	PUNCT
ajfa-3023	306	98	0.025	0.025	NUM
ajfa-3023	306	99	0.007	0.007	NUM
ajfa-3023	306	100	(	(	PUNCT
ajfa-3023	306	101	0.014	0.014	NUM
ajfa-3023	306	102	)	)	PUNCT
ajfa-3023	306	103	(	(	PUNCT
ajfa-3023	306	104	0.014	0.014	NUM
ajfa-3023	306	105	)	)	PUNCT
ajfa-3023	306	106	(	(	PUNCT
ajfa-3023	306	107	0.016	0.016	NUM
ajfa-3023	306	108	)	)	PUNCT
ajfa-3023	306	109	(	(	PUNCT
ajfa-3023	306	110	0.005	0.005	NUM
ajfa-3023	306	111	)	)	PUNCT
ajfa-3023	306	112	di	di	NOUN
ajfa-3023	306	113	-0.012	-0.012	NOUN
ajfa-3023	306	114	*	*	PROPN
ajfa-3023	306	115	*	*	PUNCT
ajfa-3023	306	116	(	(	PUNCT
ajfa-3023	306	117	0.006	0.006	NUM
ajfa-3023	306	118	)	)	PUNCT
ajfa-3023	306	119	dita	dita	NOUN
ajfa-3023	306	120	-0.004	-0.004	PROPN
ajfa-3023	306	121	*	*	PUNCT
ajfa-3023	306	122	(	(	PUNCT
ajfa-3023	306	123	0.002	0.002	NUM
ajfa-3023	306	124	)	)	PUNCT
ajfa-3023	306	125	dita2	dita2	NOUN
ajfa-3023	307	1	0.000	0.000	NUM
ajfa-3023	307	2	*	*	PUNCT
ajfa-3023	307	3	(	(	PUNCT
ajfa-3023	307	4	0.000	0.000	NUM
ajfa-3023	307	5	)	)	PUNCT
ajfa-3023	307	6	didepba	didepba	NOUN
ajfa-3023	307	7	0.010	0.010	NUM
ajfa-3023	307	8	(	(	PUNCT
ajfa-3023	307	9	0.059	0.059	NUM
ajfa-3023	307	10	)	)	PUNCT
ajfa-3023	307	11	dimem	dimem	NOUN
ajfa-3023	307	12	x	x	X
ajfa-3023	307	13	depba	depba	NOUN
ajfa-3023	307	14	0.153	0.153	NUM
ajfa-3023	307	15	*	*	PUNCT
ajfa-3023	307	16	(	(	PUNCT
ajfa-3023	307	17	0.081	0.081	NUM
ajfa-3023	307	18	)	)	PUNCT
ajfa-3023	307	19	cov	cov	NOUN
ajfa-3023	307	20	-0.002	-0.002	PUNCT
ajfa-3023	307	21	(	(	PUNCT
ajfa-3023	307	22	0.004	0.004	NUM
ajfa-3023	307	23	)	)	PUNCT
ajfa-3023	307	24	fund	fund	NOUN
ajfa-3023	307	25	0.035	0.035	NUM
ajfa-3023	307	26	*	*	PUNCT
ajfa-3023	307	27	*	*	PUNCT
ajfa-3023	308	1	*	*	PUNCT
ajfa-3023	308	2	(	(	PUNCT
ajfa-3023	308	3	0.009	0.009	NUM
ajfa-3023	308	4	)	)	PUNCT
ajfa-3023	308	5	diprem	diprem	VERB
ajfa-3023	308	6	0.006	0.006	NUM
ajfa-3023	308	7	(	(	PUNCT
ajfa-3023	308	8	0.008	0.008	NUM
ajfa-3023	308	9	)	)	PUNCT
ajfa-3023	308	10	diprem	diprem	VERB
ajfa-3023	308	11	x	x	PUNCT
ajfa-3023	308	12	tier1	tier1	PROPN
ajfa-3023	308	13	0.023	0.023	NUM
ajfa-3023	308	14	(	(	PUNCT
ajfa-3023	308	15	0.034	0.034	NUM
ajfa-3023	308	16	)	)	PUNCT
ajfa-3023	308	17	diprem	diprem	VERB
ajfa-3023	308	18	x	x	PUNCT
ajfa-3023	308	19	law	law	NOUN
ajfa-3023	308	20	-0.018	-0.018	PUNCT
ajfa-3023	308	21	*	*	PUNCT
ajfa-3023	308	22	*	*	PUNCT
ajfa-3023	308	23	*	*	PUNCT
ajfa-3023	308	24	(	(	PUNCT
ajfa-3023	308	25	0.005	0.005	NUM
ajfa-3023	308	26	)	)	PUNCT
ajfa-3023	308	27	gdp	gdp	NOUN
ajfa-3023	308	28	-0.212	-0.212	PROPN
ajfa-3023	308	29	*	*	PUNCT
ajfa-3023	308	30	*	*	PUNCT
ajfa-3023	308	31	*	*	PUNCT
ajfa-3023	308	32	-0.225	-0.225	PUNCT
ajfa-3023	308	33	*	*	PUNCT
ajfa-3023	308	34	*	*	PUNCT
ajfa-3023	308	35	*	*	PUNCT
ajfa-3023	308	36	-0.132	-0.132	PUNCT
ajfa-3023	308	37	0.018	0.018	NUM
ajfa-3023	308	38	(	(	PUNCT
ajfa-3023	308	39	0.061	0.061	NUM
ajfa-3023	308	40	)	)	PUNCT
ajfa-3023	308	41	(	(	PUNCT
ajfa-3023	308	42	0.062	0.062	NUM
ajfa-3023	308	43	)	)	PUNCT
ajfa-3023	308	44	(	(	PUNCT
ajfa-3023	308	45	0.108	0.108	NUM
ajfa-3023	308	46	)	)	PUNCT
ajfa-3023	308	47	(	(	PUNCT
ajfa-3023	308	48	0.032	0.032	NUM
ajfa-3023	308	49	)	)	PUNCT
ajfa-3023	308	50	inf	inf	NOUN
ajfa-3023	308	51	0.155	0.155	NUM
ajfa-3023	308	52	*	*	PROPN
ajfa-3023	308	53	*	*	X
ajfa-3023	308	54	0.165	0.165	NUM
ajfa-3023	308	55	*	*	PUNCT
ajfa-3023	308	56	*	*	PUNCT
ajfa-3023	308	57	0.136	0.136	NUM
ajfa-3023	308	58	*	*	SYM
ajfa-3023	308	59	0.030	0.030	NUM
ajfa-3023	308	60	(	(	PUNCT
ajfa-3023	308	61	0.076	0.076	NUM
ajfa-3023	308	62	)	)	PUNCT
ajfa-3023	308	63	(	(	PUNCT
ajfa-3023	308	64	0.077	0.077	NUM
ajfa-3023	308	65	)	)	PUNCT
ajfa-3023	308	66	(	(	PUNCT
ajfa-3023	308	67	0.082	0.082	NUM
ajfa-3023	308	68	)	)	PUNCT
ajfa-3023	308	69	(	(	PUNCT
ajfa-3023	308	70	0.048	0.048	NUM
ajfa-3023	308	71	)	)	PUNCT
ajfa-3023	308	72	rint	rint	NOUN
ajfa-3023	308	73	0.212	0.212	NUM
ajfa-3023	308	74	*	*	PUNCT
ajfa-3023	308	75	*	*	PUNCT
ajfa-3023	308	76	*	*	PUNCT
ajfa-3023	308	77	0.224	0.224	NUM
ajfa-3023	308	78	*	*	PUNCT
ajfa-3023	308	79	*	*	PUNCT
ajfa-3023	308	80	*	*	PUNCT
ajfa-3023	308	81	0.169	0.169	NUM
ajfa-3023	308	82	*	*	PUNCT
ajfa-3023	308	83	*	*	PUNCT
ajfa-3023	308	84	0.120	0.120	NUM
ajfa-3023	308	85	*	*	PUNCT
ajfa-3023	308	86	*	*	PUNCT
ajfa-3023	308	87	(	(	PUNCT
ajfa-3023	308	88	0.070	0.070	NUM
ajfa-3023	308	89	)	)	PUNCT
ajfa-3023	308	90	(	(	PUNCT
ajfa-3023	308	91	0.070	0.070	NUM
ajfa-3023	308	92	)	)	PUNCT
ajfa-3023	308	93	(	(	PUNCT
ajfa-3023	308	94	0.073	0.073	NUM
ajfa-3023	308	95	)	)	PUNCT
ajfa-3023	308	96	(	(	PUNCT
ajfa-3023	308	97	0.057	0.057	NUM
ajfa-3023	308	98	)	)	PUNCT
ajfa-3023	308	99	law	law	NOUN
ajfa-3023	308	100	-0.007	-0.007	PUNCT
ajfa-3023	308	101	-0.005	-0.005	X
ajfa-3023	308	102	0.001	0.001	NUM
ajfa-3023	308	103	-0.003	-0.003	NOUN
ajfa-3023	308	104	(	(	PUNCT
ajfa-3023	308	105	0.004	0.004	NUM
ajfa-3023	308	106	)	)	PUNCT
ajfa-3023	308	107	(	(	PUNCT
ajfa-3023	308	108	0.004	0.004	NUM
ajfa-3023	308	109	)	)	PUNCT
ajfa-3023	308	110	(	(	PUNCT
ajfa-3023	308	111	0.006	0.006	NUM
ajfa-3023	308	112	)	)	PUNCT
ajfa-3023	308	113	(	(	PUNCT
ajfa-3023	308	114	0.006	0.006	NUM
ajfa-3023	308	115	)	)	PUNCT
ajfa-3023	308	116	constant	constant	ADJ
ajfa-3023	308	117	0.058	0.058	NUM
ajfa-3023	308	118	*	*	SYM
ajfa-3023	308	119	0.061	0.061	NUM
ajfa-3023	308	120	*	*	NOUN
ajfa-3023	308	121	0.057	0.057	NUM
ajfa-3023	308	122	0.100	0.100	NUM
ajfa-3023	308	123	*	*	PUNCT
ajfa-3023	308	124	*	*	PUNCT
ajfa-3023	308	125	*	*	PUNCT
ajfa-3023	308	126	(	(	PUNCT
ajfa-3023	308	127	0.035	0.035	NUM
ajfa-3023	308	128	)	)	PUNCT
ajfa-3023	308	129	(	(	PUNCT
ajfa-3023	308	130	0.037	0.037	NUM
ajfa-3023	308	131	)	)	PUNCT
ajfa-3023	308	132	(	(	PUNCT
ajfa-3023	308	133	0.051	0.051	NUM
ajfa-3023	308	134	)	)	PUNCT
ajfa-3023	308	135	(	(	PUNCT
ajfa-3023	308	136	0.025	0.025	NUM
ajfa-3023	308	137	)	)	PUNCT
ajfa-3023	308	138	wald	wald	NOUN
ajfa-3023	308	139	chi2	chi2	NOUN
ajfa-3023	308	140	83.1	83.1	NUM
ajfa-3023	308	141	75.2	75.2	NUM
ajfa-3023	308	142	105.06	105.06	NUM
ajfa-3023	308	143	82.93	82.93	NUM
ajfa-3023	308	144	wald	wald	NOUN
ajfa-3023	308	145	p	p	NOUN
ajfa-3023	308	146	-	-	PUNCT
ajfa-3023	308	147	value	value	NOUN
ajfa-3023	308	148	0.00	0.00	NUM
ajfa-3023	308	149	0.00	0.00	NUM
ajfa-3023	308	150	0.00	0.00	NUM
ajfa-3023	308	151	0.00	0.00	NUM
ajfa-3023	308	152	no	no	NOUN
ajfa-3023	308	153	.	.	PUNCT
ajfa-3023	308	154	of	of	ADP
ajfa-3023	308	155	obs	obs	PROPN
ajfa-3023	308	156	.	.	PUNCT
ajfa-3023	309	1	1,938	1,938	NUM
ajfa-3023	309	2	1,938	1,938	NUM
ajfa-3023	309	3	1,009	1,009	NUM
ajfa-3023	309	4	770	770	NUM
ajfa-3023	309	5	number	number	NOUN
ajfa-3023	309	6	of	of	ADP
ajfa-3023	309	7	banks	bank	NOUN
ajfa-3023	309	8	317	317	NUM
ajfa-3023	309	9	317	317	NUM
ajfa-3023	309	10	195	195	NUM
ajfa-3023	309	11	156	156	NUM
ajfa-3023	309	12	the	the	DET
ajfa-3023	309	13	table	table	NOUN
ajfa-3023	309	14	reports	report	NOUN
ajfa-3023	309	15	coefficient	coefficient	NOUN
ajfa-3023	309	16	estimates	estimate	NOUN
ajfa-3023	309	17	from	from	ADP
ajfa-3023	309	18	panel	panel	NOUN
ajfa-3023	309	19	fgls	fgls	NOUN
ajfa-3023	309	20	.	.	PUNCT
ajfa-3023	310	1	standard	standard	ADJ
ajfa-3023	310	2	errors	error	NOUN
ajfa-3023	310	3	in	in	ADP
ajfa-3023	310	4	parentheses	parenthesis	NOUN
ajfa-3023	310	5	are	be	AUX
ajfa-3023	310	6	based	base	VERB
ajfa-3023	310	7	on	on	ADP
ajfa-3023	310	8	white	white	ADJ
ajfa-3023	310	9	type	type	NOUN
ajfa-3023	310	10	standard	standard	ADJ
ajfa-3023	310	11	errors	error	NOUN
ajfa-3023	310	12	robust	robust	ADJ
ajfa-3023	310	13	to	to	ADP
ajfa-3023	310	14	time	time	NOUN
ajfa-3023	310	15	-	-	PUNCT
ajfa-3023	310	16	varying	vary	VERB
ajfa-3023	310	17	residuals	residual	NOUN
ajfa-3023	310	18	and	and	CCONJ
ajfa-3023	310	19	correlation	correlation	NOUN
ajfa-3023	310	20	over	over	ADP
ajfa-3023	310	21	time	time	NOUN
ajfa-3023	310	22	within	within	ADP
ajfa-3023	310	23	cross	cross	ADJ
ajfa-3023	310	24	-	-	ADJ
ajfa-3023	310	25	section	section	ADJ
ajfa-3023	310	26	units	unit	NOUN
ajfa-3023	310	27	.	.	PUNCT
ajfa-3023	311	1	see	see	VERB
ajfa-3023	311	2	table	table	NOUN
ajfa-3023	311	3	1	1	NUM
ajfa-3023	311	4	for	for	ADP
ajfa-3023	311	5	variable	variable	ADJ
ajfa-3023	311	6	definitions	definition	NOUN
ajfa-3023	311	7	.	.	PUNCT
ajfa-3023	312	1	*	*	PUNCT
ajfa-3023	312	2	,	,	PUNCT
ajfa-3023	312	3	*	*	PUNCT
ajfa-3023	312	4	*	*	PUNCT
ajfa-3023	312	5	,	,	PUNCT
ajfa-3023	312	6	*	*	PUNCT
ajfa-3023	312	7	*	*	PUNCT
ajfa-3023	312	8	*	*	PUNCT
ajfa-3023	312	9	indicate	indicate	VERB
ajfa-3023	312	10	statistical	statistical	ADJ
ajfa-3023	312	11	significance	significance	NOUN
ajfa-3023	312	12	at	at	ADP
ajfa-3023	312	13	the	the	DET
ajfa-3023	312	14	10	10	NUM
ajfa-3023	312	15	%	%	NOUN
ajfa-3023	312	16	,	,	PUNCT
ajfa-3023	312	17	5	5	NUM
ajfa-3023	312	18	%	%	NOUN
ajfa-3023	312	19	and	and	CCONJ
ajfa-3023	312	20	1	1	NUM
ajfa-3023	312	21	%	%	NOUN
ajfa-3023	312	22	percent	percent	NOUN
ajfa-3023	312	23	,	,	PUNCT
ajfa-3023	312	24	respectively	respectively	ADV
ajfa-3023	312	25	.	.	PUNCT
ajfa-3023	313	1	asian	asian	ADJ
ajfa-3023	313	2	journal	journal	PROPN
ajfa-3023	313	3	of	of	ADP
ajfa-3023	313	4	finance	finance	PROPN
ajfa-3023	313	5	&	&	CCONJ
ajfa-3023	313	6	accounting	accounting	PROPN
ajfa-3023	313	7	issn	issn	PROPN
ajfa-3023	313	8	1946	1946	NUM
ajfa-3023	313	9	-	-	PUNCT
ajfa-3023	313	10	052x	052x	NOUN
ajfa-3023	313	11	2013	2013	NUM
ajfa-3023	313	12	,	,	PUNCT
ajfa-3023	313	13	vol	vol	NOUN
ajfa-3023	313	14	.	.	PROPN
ajfa-3023	313	15	5	5	NUM
ajfa-3023	313	16	,	,	PUNCT
ajfa-3023	313	17	no	no	INTJ
ajfa-3023	313	18	.	.	NOUN
ajfa-3023	313	19	1	1	NUM
ajfa-3023	313	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	313	21	122	122	NUM
ajfa-3023	313	22	table	table	NOUN
ajfa-3023	313	23	7	7	NUM
ajfa-3023	313	24	.	.	PUNCT
ajfa-3023	313	25	endogenous	endogenous	ADJ
ajfa-3023	313	26	tier	tier	NOUN
ajfa-3023	313	27	1	1	NUM
ajfa-3023	313	28	capital	capital	NOUN
ajfa-3023	313	29	ratio	ratio	NOUN
ajfa-3023	313	30	and	and	CCONJ
ajfa-3023	313	31	banks	bank	NOUN
ajfa-3023	313	32	’	’	PART
ajfa-3023	313	33	risk	risk	NOUN
ajfa-3023	313	34	-	-	PUNCT
ajfa-3023	313	35	taking	taking	NOUN
ajfa-3023	313	36	5	5	NUM
ajfa-3023	313	37	.	.	PUNCT
ajfa-3023	314	1	conclusions	conclusion	NOUN
ajfa-3023	314	2	this	this	DET
ajfa-3023	314	3	paper	paper	NOUN
ajfa-3023	314	4	examines	examine	VERB
ajfa-3023	314	5	whether	whether	SCONJ
ajfa-3023	314	6	implicit	implicit	ADJ
ajfa-3023	314	7	or	or	CCONJ
ajfa-3023	314	8	explicit	explicit	ADJ
ajfa-3023	314	9	deposit	deposit	NOUN
ajfa-3023	314	10	insurance	insurance	NOUN
ajfa-3023	314	11	encourages	encourage	VERB
ajfa-3023	314	12	bank	bank	NOUN
ajfa-3023	314	13	risk	risk	NOUN
ajfa-3023	314	14	-	-	PUNCT
ajfa-3023	314	15	taking	taking	NOUN
ajfa-3023	314	16	in	in	ADP
ajfa-3023	314	17	emerging	emerge	VERB
ajfa-3023	314	18	markets	market	NOUN
ajfa-3023	314	19	dominated	dominate	VERB
ajfa-3023	314	20	asia	asia	PROPN
ajfa-3023	314	21	.	.	PUNCT
ajfa-3023	315	1	testing	test	VERB
ajfa-3023	315	2	the	the	DET
ajfa-3023	315	3	data	datum	NOUN
ajfa-3023	315	4	set	set	VERB
ajfa-3023	315	5	of	of	ADP
ajfa-3023	315	6	401	401	NUM
ajfa-3023	315	7	banks	bank	NOUN
ajfa-3023	315	8	in	in	ADP
ajfa-3023	315	9	31	31	NUM
ajfa-3023	315	10	asian	asian	ADJ
ajfa-3023	315	11	countries	country	NOUN
ajfa-3023	315	12	over	over	ADP
ajfa-3023	315	13	the	the	DET
ajfa-3023	315	14	period	period	NOUN
ajfa-3023	315	15	from	from	ADP
ajfa-3023	315	16	2000	2000	NUM
ajfa-3023	315	17	to	to	ADP
ajfa-3023	315	18	2010	2010	NUM
ajfa-3023	315	19	with	with	ADP
ajfa-3023	315	20	three	three	NUM
ajfa-3023	315	21	risk	risk	NOUN
ajfa-3023	315	22	proxies	proxy	NOUN
ajfa-3023	315	23	for	for	ADP
ajfa-3023	315	24	bank	bank	NOUN
ajfa-3023	315	25	risk	risk	NOUN
ajfa-3023	315	26	-	-	PUNCT
ajfa-3023	315	27	takingcredit	takingcredit	NOUN
ajfa-3023	315	28	,	,	PUNCT
ajfa-3023	315	29	liquidity	liquidity	NOUN
ajfa-3023	315	30	,	,	PUNCT
ajfa-3023	315	31	and	and	CCONJ
ajfa-3023	315	32	overall	overall	ADJ
ajfa-3023	315	33	default	default	NOUN
ajfa-3023	315	34	risks	risk	NOUN
ajfa-3023	315	35	,	,	PUNCT
ajfa-3023	315	36	we	we	PRON
ajfa-3023	315	37	find	find	VERB
ajfa-3023	315	38	that	that	SCONJ
ajfa-3023	315	39	the	the	DET
ajfa-3023	315	40	implementation	implementation	NOUN
ajfa-3023	315	41	of	of	ADP
ajfa-3023	315	42	deposit	deposit	NOUN
ajfa-3023	315	43	insurance	insurance	NOUN
ajfa-3023	315	44	helps	help	VERB
ajfa-3023	315	45	to	to	PART
ajfa-3023	315	46	stabilize	stabilize	VERB
ajfa-3023	315	47	the	the	DET
ajfa-3023	315	48	banking	banking	NOUN
ajfa-3023	315	49	system	system	NOUN
ajfa-3023	315	50	but	but	CCONJ
ajfa-3023	315	51	also	also	ADV
ajfa-3023	315	52	leads	lead	VERB
ajfa-3023	315	53	banks	bank	NOUN
ajfa-3023	315	54	to	to	PART
ajfa-3023	315	55	undertake	undertake	VERB
ajfa-3023	315	56	excessive	excessive	ADJ
ajfa-3023	315	57	risk	risk	NOUN
ajfa-3023	315	58	.	.	PUNCT
ajfa-3023	316	1	risk	risk	NOUN
ajfa-3023	316	2	-	-	PUNCT
ajfa-3023	316	3	taking	take	VERB
ajfa-3023	316	4	incentives	incentive	NOUN
ajfa-3023	316	5	vary	vary	VERB
ajfa-3023	316	6	with	with	ADP
ajfa-3023	316	7	bank	bank	NOUN
ajfa-3023	316	8	size	size	NOUN
ajfa-3023	316	9	and	and	CCONJ
ajfa-3023	316	10	risks	risk	NOUN
ajfa-3023	316	11	.	.	PUNCT
ajfa-3023	317	1	differentiated	differentiated	ADJ
ajfa-3023	317	2	premiums	premium	NOUN
ajfa-3023	317	3	may	may	AUX
ajfa-3023	317	4	not	not	PART
ajfa-3023	317	5	accurately	accurately	ADV
ajfa-3023	317	6	reflect	reflect	VERB
ajfa-3023	317	7	the	the	DET
ajfa-3023	317	8	level	level	NOUN
ajfa-3023	317	9	of	of	ADP
ajfa-3023	317	10	risk	risk	NOUN
ajfa-3023	317	11	that	that	SCONJ
ajfa-3023	317	12	a	a	DET
ajfa-3023	317	13	bank	bank	NOUN
ajfa-3023	317	14	poses	pose	NOUN
ajfa-3023	317	15	.	.	PUNCT
ajfa-3023	318	1	we	we	PRON
ajfa-3023	318	2	also	also	ADV
ajfa-3023	318	3	find	find	VERB
ajfa-3023	318	4	that	that	SCONJ
ajfa-3023	318	5	higher	high	ADJ
ajfa-3023	318	6	deposit	deposit	NOUN
ajfa-3023	318	7	insurance	insurance	NOUN
ajfa-3023	318	8	coverage	coverage	NOUN
ajfa-3023	318	9	significantly	significantly	ADV
ajfa-3023	318	10	encourages	encourage	VERB
ajfa-3023	318	11	banks	bank	NOUN
ajfa-3023	318	12	’	’	PART
ajfa-3023	318	13	risk	risk	NOUN
ajfa-3023	318	14	-	-	PUNCT
ajfa-3023	318	15	taking	taking	NOUN
ajfa-3023	318	16	.	.	PUNCT
ajfa-3023	319	1	during	during	ADP
ajfa-3023	319	2	the	the	DET
ajfa-3023	319	3	presence	presence	NOUN
ajfa-3023	319	4	of	of	ADP
ajfa-3023	319	5	a	a	DET
ajfa-3023	319	6	deposit	deposit	NOUN
ajfa-3023	319	7	insurance	insurance	NOUN
ajfa-3023	319	8	scheme	scheme	NOUN
ajfa-3023	319	9	,	,	PUNCT
ajfa-3023	319	10	the	the	DET
ajfa-3023	319	11	pattern	pattern	NOUN
ajfa-3023	319	12	of	of	ADP
ajfa-3023	319	13	the	the	DET
ajfa-3023	319	14	non	non	ADJ
ajfa-3023	319	15	-	-	ADJ
ajfa-3023	319	16	linear	linear	ADJ
ajfa-3023	319	17	relationship	relationship	NOUN
ajfa-3023	319	18	between	between	ADP
ajfa-3023	319	19	bank	bank	NOUN
ajfa-3023	319	20	size	size	NOUN
ajfa-3023	319	21	and	and	CCONJ
ajfa-3023	319	22	risk	risk	NOUN
ajfa-3023	319	23	-	-	PUNCT
ajfa-3023	319	24	taking	taking	NOUN
ajfa-3023	319	25	becomes	become	VERB
ajfa-3023	319	26	convex	convex	NOUN
ajfa-3023	319	27	.	.	PUNCT
ajfa-3023	320	1	in	in	ADP
ajfa-3023	320	2	addition	addition	NOUN
ajfa-3023	320	3	,	,	PUNCT
ajfa-3023	320	4	our	our	PRON
ajfa-3023	320	5	results	result	NOUN
ajfa-3023	320	6	suggest	suggest	VERB
ajfa-3023	320	7	that	that	SCONJ
ajfa-3023	320	8	market	market	NOUN
ajfa-3023	320	9	discipline	discipline	NOUN
ajfa-3023	320	10	exercised	exercise	VERB
ajfa-3023	320	11	by	by	ADP
ajfa-3023	320	12	banks	bank	NOUN
ajfa-3023	320	13	is	be	AUX
ajfa-3023	320	14	stronger	strong	ADJ
ajfa-3023	320	15	in	in	ADP
ajfa-3023	320	16	the	the	DET
ajfa-3023	320	17	presence	presence	NOUN
ajfa-3023	320	18	of	of	ADP
ajfa-3023	320	19	mandatory	mandatory	ADJ
ajfa-3023	320	20	deposit	deposit	NOUN
ajfa-3023	320	21	insurance	insurance	NOUN
ajfa-3023	320	22	scheme	scheme	NOUN
ajfa-3023	320	23	.	.	PUNCT
ajfa-3023	321	1	government	government	NOUN
ajfa-3023	321	2	-	-	PUNCT
ajfa-3023	321	3	funded	fund	VERB
ajfa-3023	321	4	deposit	deposit	NOUN
ajfa-3023	321	5	insurance	insurance	NOUN
ajfa-3023	321	6	funds	fund	NOUN
ajfa-3023	321	7	allow	allow	VERB
ajfa-3023	321	8	asian	asian	ADJ
ajfa-3023	321	9	banks	bank	NOUN
ajfa-3023	321	10	to	to	PART
ajfa-3023	321	11	take	take	VERB
ajfa-3023	321	12	a	a	DET
ajfa-3023	321	13	higher	high	ADJ
ajfa-3023	321	14	risk	risk	NOUN
ajfa-3023	321	15	.	.	PUNCT
ajfa-3023	322	1	1st	1st	ADJ
ajfa-3023	322	2	stage	stage	NOUN
ajfa-3023	322	3	2nd	2nd	ADJ
ajfa-3023	322	4	stage	stage	NOUN
ajfa-3023	322	5	variables	variable	NOUN
ajfa-3023	322	6	tier1hat	tier1hat	PRON
ajfa-3023	322	7	variables	variables	PROPN
ajfa-3023	322	8	z	z	NOUN
ajfa-3023	322	9	npl	npl	PROPN
ajfa-3023	322	10	liquid	liquid	NOUN
ajfa-3023	322	11	ta	ta	X
ajfa-3023	322	12	-0.017	-0.017	PROPN
ajfa-3023	322	13	*	*	PROPN
ajfa-3023	322	14	*	*	PUNCT
ajfa-3023	322	15	*	*	PUNCT
ajfa-3023	322	16	ta	ta	X
ajfa-3023	322	17	-0.024	-0.024	NUM
ajfa-3023	322	18	-0.017	-0.017	X
ajfa-3023	322	19	*	*	PUNCT
ajfa-3023	322	20	*	*	PUNCT
ajfa-3023	322	21	*	*	PUNCT
ajfa-3023	322	22	-0.005	-0.005	INTJ
ajfa-3023	322	23	(	(	PUNCT
ajfa-3023	322	24	0.006	0.006	NUM
ajfa-3023	322	25	)	)	PUNCT
ajfa-3023	322	26	(	(	PUNCT
ajfa-3023	322	27	0.033	0.033	NUM
ajfa-3023	322	28	)	)	PUNCT
ajfa-3023	322	29	(	(	PUNCT
ajfa-3023	322	30	0.005	0.005	NUM
ajfa-3023	322	31	)	)	PUNCT
ajfa-3023	322	32	(	(	PUNCT
ajfa-3023	322	33	0.010	0.010	NUM
ajfa-3023	322	34	)	)	PUNCT
ajfa-3023	322	35	td	td	NOUN
ajfa-3023	323	1	-0.166	-0.166	ADJ
ajfa-3023	323	2	*	*	PUNCT
ajfa-3023	323	3	*	*	NOUN
ajfa-3023	323	4	td	td	NOUN
ajfa-3023	323	5	-0.955	-0.955	NOUN
ajfa-3023	323	6	*	*	NOUN
ajfa-3023	323	7	*	*	PUNCT
ajfa-3023	323	8	*	*	PUNCT
ajfa-3023	323	9	0.044	0.044	NUM
ajfa-3023	323	10	0.002	0.002	NUM
ajfa-3023	323	11	(	(	PUNCT
ajfa-3023	323	12	0.070	0.070	NUM
ajfa-3023	323	13	)	)	PUNCT
ajfa-3023	323	14	(	(	PUNCT
ajfa-3023	323	15	0.326	0.326	NUM
ajfa-3023	323	16	)	)	PUNCT
ajfa-3023	323	17	(	(	PUNCT
ajfa-3023	323	18	0.031	0.031	NUM
ajfa-3023	323	19	)	)	PUNCT
ajfa-3023	323	20	(	(	PUNCT
ajfa-3023	323	21	0.080	0.080	X
ajfa-3023	323	22	)	)	PUNCT
ajfa-3023	323	23	nii	nii	PROPN
ajfa-3023	323	24	0.033	0.033	NUM
ajfa-3023	323	25	nii	nii	PROPN
ajfa-3023	323	26	0.048	0.048	NUM
ajfa-3023	323	27	-0.001	-0.001	NUM
ajfa-3023	323	28	0.027	0.027	NUM
ajfa-3023	323	29	(	(	PUNCT
ajfa-3023	323	30	0.032	0.032	NUM
ajfa-3023	323	31	)	)	PUNCT
ajfa-3023	323	32	(	(	PUNCT
ajfa-3023	323	33	0.147	0.147	NUM
ajfa-3023	323	34	)	)	PUNCT
ajfa-3023	323	35	(	(	PUNCT
ajfa-3023	323	36	0.023	0.023	NUM
ajfa-3023	323	37	)	)	PUNCT
ajfa-3023	323	38	(	(	PUNCT
ajfa-3023	323	39	0.017	0.017	NUM
ajfa-3023	323	40	)	)	PUNCT
ajfa-3023	323	41	gdp	gdp	NOUN
ajfa-3023	323	42	0.189	0.189	PRON
ajfa-3023	323	43	depba	depba	NOUN
ajfa-3023	323	44	-0.867	-0.867	PRON
ajfa-3023	323	45	*	*	PUNCT
ajfa-3023	323	46	*	*	PUNCT
ajfa-3023	323	47	*	*	X
ajfa-3023	323	48	0.029	0.029	NUM
ajfa-3023	323	49	-0.142	-0.142	PUNCT
ajfa-3023	323	50	(	(	PUNCT
ajfa-3023	323	51	0.149	0.149	NUM
ajfa-3023	323	52	)	)	PUNCT
ajfa-3023	323	53	(	(	PUNCT
ajfa-3023	323	54	0.329	0.329	NUM
ajfa-3023	323	55	)	)	PUNCT
ajfa-3023	323	56	(	(	PUNCT
ajfa-3023	323	57	0.057	0.057	NUM
ajfa-3023	323	58	)	)	PUNCT
ajfa-3023	323	59	(	(	PUNCT
ajfa-3023	323	60	0.091	0.091	NUM
ajfa-3023	323	61	)	)	PUNCT
ajfa-3023	323	62	inf	inf	NOUN
ajfa-3023	323	63	-0.298	-0.298	PUNCT
ajfa-3023	323	64	diprem	diprem	VERB
ajfa-3023	323	65	-0.441	-0.441	PROPN
ajfa-3023	324	1	*	*	NOUN
ajfa-3023	324	2	0.003	0.003	NUM
ajfa-3023	324	3	-0.047	-0.047	PRON
ajfa-3023	324	4	(	(	PUNCT
ajfa-3023	324	5	0.227	0.227	NUM
ajfa-3023	324	6	)	)	PUNCT
ajfa-3023	324	7	(	(	PUNCT
ajfa-3023	324	8	0.243	0.243	NUM
ajfa-3023	324	9	)	)	PUNCT
ajfa-3023	324	10	(	(	PUNCT
ajfa-3023	324	11	0.084	0.084	NUM
ajfa-3023	324	12	)	)	PUNCT
ajfa-3023	324	13	(	(	PUNCT
ajfa-3023	324	14	0.089	0.089	NUM
ajfa-3023	324	15	)	)	PUNCT
ajfa-3023	324	16	rint	rint	NOUN
ajfa-3023	324	17	0.061	0.061	NUM
ajfa-3023	324	18	diprem	diprem	VERB
ajfa-3023	324	19	x	x	PUNCT
ajfa-3023	325	1	tier1hat	tier1hat	SCONJ
ajfa-3023	325	2	3.209	3.209	NUM
ajfa-3023	325	3	*	*	SYM
ajfa-3023	325	4	0.079	0.079	NUM
ajfa-3023	325	5	0.149	0.149	NUM
ajfa-3023	325	6	(	(	PUNCT
ajfa-3023	325	7	0.210	0.210	NUM
ajfa-3023	325	8	)	)	PUNCT
ajfa-3023	325	9	(	(	PUNCT
ajfa-3023	325	10	1.723	1.723	NUM
ajfa-3023	325	11	)	)	PUNCT
ajfa-3023	325	12	(	(	PUNCT
ajfa-3023	325	13	0.619	0.619	NUM
ajfa-3023	325	14	)	)	PUNCT
ajfa-3023	325	15	(	(	PUNCT
ajfa-3023	325	16	0.594	0.594	NUM
ajfa-3023	325	17	)	)	PUNCT
ajfa-3023	325	18	law	law	NOUN
ajfa-3023	325	19	0.008	0.008	NUM
ajfa-3023	325	20	diprem	diprem	VERB
ajfa-3023	325	21	x	x	SYM
ajfa-3023	325	22	law	law	NOUN
ajfa-3023	325	23	0.173	0.173	NUM
ajfa-3023	325	24	*	*	PUNCT
ajfa-3023	325	25	*	*	PUNCT
ajfa-3023	325	26	-0.044	-0.044	PROPN
ajfa-3023	325	27	*	*	PUNCT
ajfa-3023	325	28	*	*	PUNCT
ajfa-3023	326	1	*	*	PUNCT
ajfa-3023	326	2	0.015	0.015	NUM
ajfa-3023	326	3	(	(	PUNCT
ajfa-3023	326	4	0.011	0.011	NUM
ajfa-3023	326	5	)	)	PUNCT
ajfa-3023	326	6	(	(	PUNCT
ajfa-3023	326	7	0.069	0.069	NUM
ajfa-3023	326	8	)	)	PUNCT
ajfa-3023	326	9	(	(	PUNCT
ajfa-3023	326	10	0.015	0.015	NUM
ajfa-3023	326	11	)	)	PUNCT
ajfa-3023	326	12	(	(	PUNCT
ajfa-3023	326	13	0.027	0.027	NUM
ajfa-3023	326	14	)	)	PUNCT
ajfa-3023	326	15	constant	constant	ADJ
ajfa-3023	326	16	0.516	0.516	NUM
ajfa-3023	326	17	*	*	PUNCT
ajfa-3023	326	18	*	*	PUNCT
ajfa-3023	326	19	*	*	PUNCT
ajfa-3023	326	20	gdp	gdp	NOUN
ajfa-3023	326	21	-0.518	-0.518	PROPN
ajfa-3023	326	22	-0.083	-0.083	PUNCT
ajfa-3023	326	23	0.241	0.241	NUM
ajfa-3023	326	24	*	*	PUNCT
ajfa-3023	326	25	(	(	PUNCT
ajfa-3023	326	26	0.124	0.124	NUM
ajfa-3023	326	27	)	)	PUNCT
ajfa-3023	326	28	(	(	PUNCT
ajfa-3023	326	29	0.596	0.596	NUM
ajfa-3023	326	30	)	)	PUNCT
ajfa-3023	326	31	(	(	PUNCT
ajfa-3023	326	32	0.119	0.119	NUM
ajfa-3023	326	33	)	)	PUNCT
ajfa-3023	326	34	(	(	PUNCT
ajfa-3023	326	35	0.132	0.132	NUM
ajfa-3023	326	36	)	)	PUNCT
ajfa-3023	326	37	inf	inf	NOUN
ajfa-3023	326	38	0.603	0.603	NUM
ajfa-3023	326	39	0.241	0.241	NUM
ajfa-3023	326	40	*	*	PUNCT
ajfa-3023	326	41	*	*	SYM
ajfa-3023	326	42	0.148	0.148	NUM
ajfa-3023	326	43	(	(	PUNCT
ajfa-3023	326	44	0.738	0.738	NUM
ajfa-3023	326	45	)	)	PUNCT
ajfa-3023	326	46	(	(	PUNCT
ajfa-3023	326	47	0.114	0.114	NUM
ajfa-3023	326	48	)	)	PUNCT
ajfa-3023	326	49	(	(	PUNCT
ajfa-3023	326	50	0.147	0.147	NUM
ajfa-3023	326	51	)	)	PUNCT
ajfa-3023	326	52	rint	rint	NOUN
ajfa-3023	326	53	-0.037	-0.037	PUNCT
ajfa-3023	326	54	0.222	0.222	NUM
ajfa-3023	326	55	*	*	NOUN
ajfa-3023	326	56	*	*	NOUN
ajfa-3023	326	57	0.176	0.176	NUM
ajfa-3023	326	58	(	(	PUNCT
ajfa-3023	326	59	0.858	0.858	NUM
ajfa-3023	326	60	)	)	PUNCT
ajfa-3023	326	61	(	(	PUNCT
ajfa-3023	326	62	0.095	0.095	NUM
ajfa-3023	326	63	)	)	PUNCT
ajfa-3023	326	64	(	(	PUNCT
ajfa-3023	326	65	0.155	0.155	NUM
ajfa-3023	326	66	)	)	PUNCT
ajfa-3023	326	67	law	law	NOUN
ajfa-3023	326	68	-0.019	-0.019	PUNCT
ajfa-3023	326	69	0.036	0.036	NUM
ajfa-3023	326	70	*	*	PUNCT
ajfa-3023	326	71	*	*	PROPN
ajfa-3023	326	72	-0.006	-0.006	PROPN
ajfa-3023	326	73	(	(	PUNCT
ajfa-3023	326	74	0.121	0.121	NUM
ajfa-3023	326	75	)	)	PUNCT
ajfa-3023	326	76	(	(	PUNCT
ajfa-3023	326	77	0.015	0.015	NUM
ajfa-3023	326	78	)	)	PUNCT
ajfa-3023	326	79	(	(	PUNCT
ajfa-3023	326	80	0.031	0.031	NUM
ajfa-3023	326	81	)	)	PUNCT
ajfa-3023	326	82	constant	constant	ADJ
ajfa-3023	326	83	3.860	3.860	NUM
ajfa-3023	326	84	*	*	NOUN
ajfa-3023	326	85	*	*	PUNCT
ajfa-3023	326	86	*	*	PUNCT
ajfa-3023	326	87	0.286	0.286	NUM
ajfa-3023	326	88	*	*	PUNCT
ajfa-3023	326	89	*	*	PUNCT
ajfa-3023	326	90	*	*	NOUN
ajfa-3023	326	91	0.452	0.452	NUM
ajfa-3023	326	92	*	*	PUNCT
ajfa-3023	326	93	*	*	PUNCT
ajfa-3023	326	94	(	(	PUNCT
ajfa-3023	326	95	0.621	0.621	NUM
ajfa-3023	326	96	)	)	PUNCT
ajfa-3023	326	97	(	(	PUNCT
ajfa-3023	326	98	0.078	0.078	NUM
ajfa-3023	326	99	)	)	PUNCT
ajfa-3023	326	100	(	(	PUNCT
ajfa-3023	326	101	0.218	0.218	NUM
ajfa-3023	326	102	)	)	PUNCT
ajfa-3023	326	103	wald	wald	NOUN
ajfa-3023	326	104	chi2	chi2	PROPN
ajfa-3023	326	105	36.59	36.59	NUM
ajfa-3023	326	106	wald	wald	X
ajfa-3023	326	107	chi2	chi2	NOUN
ajfa-3023	326	108	27.83	27.83	NUM
ajfa-3023	326	109	36.59	36.59	NUM
ajfa-3023	326	110	17.5	17.5	NUM
ajfa-3023	326	111	wald	wald	NOUN
ajfa-3023	326	112	p	p	NOUN
ajfa-3023	326	113	-	-	PUNCT
ajfa-3023	326	114	value	value	NOUN
ajfa-3023	326	115	0.00	0.00	NUM
ajfa-3023	326	116	wald	wald	NOUN
ajfa-3023	326	117	p	p	NOUN
ajfa-3023	326	118	-	-	PUNCT
ajfa-3023	326	119	value	value	NOUN
ajfa-3023	326	120	0.00	0.00	NUM
ajfa-3023	326	121	0.00	0.00	NUM
ajfa-3023	326	122	0.09	0.09	NUM
ajfa-3023	326	123	observations	observation	NOUN
ajfa-3023	326	124	1,755	1,755	NUM
ajfa-3023	326	125	observations	observation	NOUN
ajfa-3023	326	126	979	979	NUM
ajfa-3023	326	127	874	874	NUM
ajfa-3023	326	128	992	992	NUM
ajfa-3023	326	129	number	number	NOUN
ajfa-3023	326	130	of	of	ADP
ajfa-3023	326	131	i	i	PROPN
ajfa-3023	326	132	d	d	PROPN
ajfa-3023	326	133	316	316	NUM
ajfa-3023	326	134	number	number	NOUN
ajfa-3023	326	135	of	of	ADP
ajfa-3023	326	136	i	i	PROPN
ajfa-3023	326	137	d	d	PROPN
ajfa-3023	326	138	198	198	NUM
ajfa-3023	326	139	180	180	NUM
ajfa-3023	326	140	187	187	NUM
ajfa-3023	326	141	*	*	NOUN
ajfa-3023	326	142	,	,	PUNCT
ajfa-3023	326	143	*	*	PUNCT
ajfa-3023	326	144	*	*	PUNCT
ajfa-3023	326	145	,	,	PUNCT
ajfa-3023	326	146	*	*	PUNCT
ajfa-3023	326	147	*	*	PUNCT
ajfa-3023	326	148	*	*	PUNCT
ajfa-3023	326	149	indicate	indicate	VERB
ajfa-3023	326	150	statistical	statistical	ADJ
ajfa-3023	326	151	significance	significance	NOUN
ajfa-3023	326	152	at	at	ADP
ajfa-3023	326	153	the	the	DET
ajfa-3023	326	154	10	10	NUM
ajfa-3023	326	155	%	%	NOUN
ajfa-3023	326	156	,	,	PUNCT
ajfa-3023	326	157	5	5	NUM
ajfa-3023	326	158	%	%	NOUN
ajfa-3023	326	159	and	and	CCONJ
ajfa-3023	326	160	1	1	NUM
ajfa-3023	326	161	%	%	NOUN
ajfa-3023	326	162	percent	percent	NOUN
ajfa-3023	326	163	,	,	PUNCT
ajfa-3023	326	164	respectively	respectively	ADV
ajfa-3023	326	165	.	.	PUNCT
ajfa-3023	327	1	the	the	DET
ajfa-3023	327	2	table	table	NOUN
ajfa-3023	327	3	reports	report	VERB
ajfa-3023	327	4	coefficient	coefficient	NOUN
ajfa-3023	327	5	estimates	estimate	NOUN
ajfa-3023	327	6	from	from	ADP
ajfa-3023	327	7	panel	panel	NOUN
ajfa-3023	327	8	fgls	fgls	NOUN
ajfa-3023	327	9	.	.	PUNCT
ajfa-3023	328	1	standard	standard	ADJ
ajfa-3023	328	2	errors	error	NOUN
ajfa-3023	328	3	in	in	ADP
ajfa-3023	328	4	parentheses	parenthesis	NOUN
ajfa-3023	328	5	are	be	AUX
ajfa-3023	328	6	based	base	VERB
ajfa-3023	328	7	on	on	ADP
ajfa-3023	328	8	white	white	ADJ
ajfa-3023	328	9	type	type	NOUN
ajfa-3023	328	10	standard	standard	ADJ
ajfa-3023	328	11	errors	error	NOUN
ajfa-3023	328	12	robust	robust	ADJ
ajfa-3023	328	13	to	to	ADP
ajfa-3023	328	14	time	time	NOUN
ajfa-3023	328	15	-	-	PUNCT
ajfa-3023	328	16	varying	vary	VERB
ajfa-3023	328	17	residuals	residual	NOUN
ajfa-3023	328	18	and	and	CCONJ
ajfa-3023	328	19	correlation	correlation	NOUN
ajfa-3023	328	20	over	over	ADP
ajfa-3023	328	21	time	time	NOUN
ajfa-3023	328	22	within	within	ADP
ajfa-3023	328	23	cross	cross	ADJ
ajfa-3023	328	24	-	-	ADJ
ajfa-3023	328	25	section	section	ADJ
ajfa-3023	328	26	units	unit	NOUN
ajfa-3023	328	27	.	.	PUNCT
ajfa-3023	329	1	see	see	VERB
ajfa-3023	329	2	table	table	NOUN
ajfa-3023	329	3	1	1	NUM
ajfa-3023	329	4	for	for	ADP
ajfa-3023	329	5	variable	variable	ADJ
ajfa-3023	329	6	definitions	definition	NOUN
ajfa-3023	329	7	.	.	PUNCT
ajfa-3023	330	1	asian	asian	ADJ
ajfa-3023	330	2	journal	journal	PROPN
ajfa-3023	330	3	of	of	ADP
ajfa-3023	330	4	finance	finance	PROPN
ajfa-3023	330	5	&	&	CCONJ
ajfa-3023	330	6	accounting	accounting	PROPN
ajfa-3023	330	7	issn	issn	PROPN
ajfa-3023	330	8	1946	1946	NUM
ajfa-3023	330	9	-	-	PUNCT
ajfa-3023	330	10	052x	052x	NOUN
ajfa-3023	330	11	2013	2013	NUM
ajfa-3023	330	12	,	,	PUNCT
ajfa-3023	330	13	vol	vol	NOUN
ajfa-3023	330	14	.	.	PROPN
ajfa-3023	330	15	5	5	NUM
ajfa-3023	330	16	,	,	PUNCT
ajfa-3023	330	17	no	no	INTJ
ajfa-3023	330	18	.	.	NOUN
ajfa-3023	330	19	1	1	NUM
ajfa-3023	330	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-3023	330	21	123	123	NUM
ajfa-3023	330	22	the	the	DET
ajfa-3023	330	23	policy	policy	NOUN
ajfa-3023	330	24	implication	implication	NOUN
ajfa-3023	330	25	of	of	ADP
ajfa-3023	330	26	this	this	DET
ajfa-3023	330	27	study	study	NOUN
ajfa-3023	330	28	suggests	suggest	VERB
ajfa-3023	330	29	that	that	SCONJ
ajfa-3023	330	30	asian	asian	ADJ
ajfa-3023	330	31	governments	government	NOUN
ajfa-3023	330	32	should	should	AUX
ajfa-3023	330	33	encourage	encourage	VERB
ajfa-3023	330	34	private	private	ADJ
ajfa-3023	330	35	sector	sector	NOUN
ajfa-3023	330	36	involvement	involvement	NOUN
ajfa-3023	330	37	in	in	ADP
ajfa-3023	330	38	deposit	deposit	NOUN
ajfa-3023	330	39	insurance	insurance	NOUN
ajfa-3023	330	40	schemes	scheme	NOUN
ajfa-3023	330	41	and	and	CCONJ
ajfa-3023	330	42	define	define	VERB
ajfa-3023	330	43	optimal	optimal	ADJ
ajfa-3023	330	44	levels	level	NOUN
ajfa-3023	330	45	of	of	ADP
ajfa-3023	330	46	the	the	DET
ajfa-3023	330	47	insurance	insurance	NOUN
ajfa-3023	330	48	coverage	coverage	NOUN
ajfa-3023	330	49	and	and	CCONJ
ajfa-3023	330	50	risk	risk	NOUN
ajfa-3023	330	51	-	-	PUNCT
ajfa-3023	330	52	adjusted	adjust	VERB
ajfa-3023	330	53	premium	premium	NOUN
ajfa-3023	330	54	.	.	PUNCT
ajfa-3023	331	1	when	when	SCONJ
ajfa-3023	331	2	regulators	regulator	NOUN
ajfa-3023	331	3	assess	assess	VERB
ajfa-3023	331	4	bank	bank	NOUN
ajfa-3023	331	5	risks	risk	NOUN
ajfa-3023	331	6	inaccurately	inaccurately	ADV
ajfa-3023	331	7	,	,	PUNCT
ajfa-3023	331	8	the	the	DET
ajfa-3023	331	9	insurance	insurance	NOUN
ajfa-3023	331	10	premium	premium	NOUN
ajfa-3023	331	11	does	do	AUX
ajfa-3023	331	12	not	not	PART
ajfa-3023	331	13	help	help	VERB
ajfa-3023	331	14	mitigating	mitigate	VERB
ajfa-3023	331	15	risk	risk	NOUN
ajfa-3023	331	16	-	-	PUNCT
ajfa-3023	331	17	taking	taking	NOUN
ajfa-3023	331	18	.	.	PUNCT
ajfa-3023	332	1	a	a	DET
ajfa-3023	332	2	country	country	NOUN
ajfa-3023	332	3	should	should	AUX
ajfa-3023	332	4	have	have	VERB
ajfa-3023	332	5	strong	strong	ADJ
ajfa-3023	332	6	banking	banking	NOUN
ajfa-3023	332	7	supervision	supervision	NOUN
ajfa-3023	332	8	and	and	CCONJ
ajfa-3023	332	9	design	design	VERB
ajfa-3023	332	10	high	high	ADJ
ajfa-3023	332	11	quality	quality	NOUN
ajfa-3023	332	12	regulations	regulation	NOUN
ajfa-3023	332	13	to	to	PART
ajfa-3023	332	14	adopt	adopt	VERB
ajfa-3023	332	15	the	the	DET
ajfa-3023	332	16	risk	risk	NOUN
ajfa-3023	332	17	-	-	PUNCT
ajfa-3023	332	18	based	base	VERB
ajfa-3023	332	19	deposit	deposit	NOUN
ajfa-3023	332	20	insurance	insurance	NOUN
ajfa-3023	332	21	.	.	PUNCT
ajfa-3023	333	1	the	the	DET
ajfa-3023	333	2	finding	finding	NOUN
ajfa-3023	333	3	is	be	AUX
ajfa-3023	333	4	supportive	supportive	ADJ
ajfa-3023	333	5	of	of	ADP
ajfa-3023	333	6	our	our	PRON
ajfa-3023	333	7	hypothesis	hypothesis	NOUN
ajfa-3023	333	8	that	that	PRON
ajfa-3023	333	9	good	good	ADJ
ajfa-3023	333	10	institutional	institutional	ADJ
ajfa-3023	333	11	background	background	NOUN
ajfa-3023	333	12	and	and	CCONJ
ajfa-3023	333	13	legal	legal	ADJ
ajfa-3023	333	14	environment	environment	NOUN
ajfa-3023	333	15	mitigates	mitigate	VERB
ajfa-3023	333	16	banks	bank	NOUN
ajfa-3023	333	17	’	'	PUNCT
ajfa-3023	333	18	risk	risk	NOUN
ajfa-3023	333	19	-	-	PUNCT
ajfa-3023	333	20	taking	taking	NOUN
ajfa-3023	333	21	.	.	PUNCT
ajfa-3023	334	1	in	in	ADP
ajfa-3023	334	2	the	the	DET
ajfa-3023	334	3	case	case	NOUN
ajfa-3023	334	4	of	of	ADP
ajfa-3023	334	5	a	a	DET
ajfa-3023	334	6	blanket	blanket	NOUN
ajfa-3023	334	7	guarantee	guarantee	NOUN
ajfa-3023	334	8	,	,	PUNCT
ajfa-3023	334	9	banks	bank	NOUN
ajfa-3023	334	10	should	should	AUX
ajfa-3023	334	11	be	be	AUX
ajfa-3023	334	12	left	leave	VERB
ajfa-3023	334	13	out	out	ADP
ajfa-3023	334	14	of	of	ADP
ajfa-3023	334	15	implicit	implicit	ADJ
ajfa-3023	334	16	insurance	insurance	NOUN
ajfa-3023	334	17	coverage	coverage	NOUN
ajfa-3023	334	18	immediately	immediately	ADV
ajfa-3023	334	19	after	after	ADP
ajfa-3023	334	20	stabilizing	stabilize	VERB
ajfa-3023	334	21	a	a	DET
ajfa-3023	334	22	turbulent	turbulent	ADJ
ajfa-3023	334	23	situation	situation	NOUN
ajfa-3023	334	24	in	in	ADP
ajfa-3023	334	25	the	the	DET
ajfa-3023	334	26	market	market	NOUN
ajfa-3023	334	27	at	at	ADP
ajfa-3023	334	28	times	time	NOUN
ajfa-3023	334	29	of	of	ADP
ajfa-3023	334	30	distress	distress	NOUN
ajfa-3023	334	31	.	.	PUNCT
ajfa-3023	335	1	this	this	PRON
ajfa-3023	335	2	helps	help	VERB
ajfa-3023	335	3	to	to	PART
ajfa-3023	335	4	prevent	prevent	VERB
ajfa-3023	335	5	banks	bank	NOUN
ajfa-3023	335	6	shifting	shift	VERB
ajfa-3023	335	7	risks	risk	NOUN
ajfa-3023	335	8	to	to	ADP
ajfa-3023	335	9	the	the	DET
ajfa-3023	335	10	government	government	NOUN
ajfa-3023	335	11	,	,	PUNCT
ajfa-3023	335	12	insurers	insurer	NOUN
ajfa-3023	335	13	,	,	PUNCT
ajfa-3023	335	14	or	or	CCONJ
ajfa-3023	335	15	other	other	ADJ
ajfa-3023	335	16	banks	bank	NOUN
ajfa-3023	335	17	.	.	PUNCT
ajfa-3023	336	1	for	for	ADP
ajfa-3023	336	2	many	many	ADJ
ajfa-3023	336	3	of	of	ADP
ajfa-3023	336	4	the	the	DET
ajfa-3023	336	5	asian	asian	ADJ
ajfa-3023	336	6	banks	bank	NOUN
ajfa-3023	336	7	,	,	PUNCT
ajfa-3023	336	8	the	the	DET
ajfa-3023	336	9	important	important	ADJ
ajfa-3023	336	10	data	datum	NOUN
ajfa-3023	336	11	such	such	ADJ
ajfa-3023	336	12	as	as	ADP
ajfa-3023	336	13	market	market	NOUN
ajfa-3023	336	14	value	value	NOUN
ajfa-3023	336	15	,	,	PUNCT
ajfa-3023	336	16	ownership	ownership	NOUN
ajfa-3023	336	17	structure	structure	NOUN
ajfa-3023	336	18	,	,	PUNCT
ajfa-3023	336	19	banks	banks	PROPN
ajfa-3023	336	20	executive	executive	PROPN
ajfa-3023	336	21	compensation	compensation	NOUN
ajfa-3023	336	22	have	have	AUX
ajfa-3023	336	23	not	not	PART
ajfa-3023	336	24	been	be	AUX
ajfa-3023	336	25	publicly	publicly	ADV
ajfa-3023	336	26	available	available	ADJ
ajfa-3023	336	27	or	or	CCONJ
ajfa-3023	336	28	sufficiently	sufficiently	ADV
ajfa-3023	336	29	collected	collect	VERB
ajfa-3023	336	30	for	for	ADP
ajfa-3023	336	31	quantitative	quantitative	ADJ
ajfa-3023	336	32	analyses	analysis	NOUN
ajfa-3023	336	33	.	.	PUNCT
ajfa-3023	337	1	this	this	PRON
ajfa-3023	337	2	is	be	AUX
ajfa-3023	337	3	mainly	mainly	ADV
ajfa-3023	337	4	because	because	SCONJ
ajfa-3023	337	5	such	such	ADJ
ajfa-3023	337	6	information	information	NOUN
ajfa-3023	337	7	is	be	AUX
ajfa-3023	337	8	legally	legally	ADV
ajfa-3023	337	9	private	private	ADJ
ajfa-3023	337	10	or	or	CCONJ
ajfa-3023	337	11	has	have	AUX
ajfa-3023	337	12	recently	recently	ADV
ajfa-3023	337	13	been	be	AUX
ajfa-3023	337	14	allowed	allow	VERB
ajfa-3023	337	15	for	for	ADP
ajfa-3023	337	16	public	public	ADJ
ajfa-3023	337	17	access	access	NOUN
ajfa-3023	337	18	.	.	PUNCT
ajfa-3023	338	1	it	it	PRON
ajfa-3023	338	2	is	be	AUX
ajfa-3023	338	3	worth	worth	ADJ
ajfa-3023	338	4	further	far	ADV
ajfa-3023	338	5	studying	study	VERB
ajfa-3023	338	6	the	the	DET
ajfa-3023	338	7	effect	effect	NOUN
ajfa-3023	338	8	of	of	ADP
ajfa-3023	338	9	deposit	deposit	NOUN
ajfa-3023	338	10	insurance	insurance	NOUN
ajfa-3023	338	11	on	on	ADP
ajfa-3023	338	12	risk	risk	NOUN
ajfa-3023	338	13	taking	take	VERB
ajfa-3023	338	14	in	in	ADP
ajfa-3023	338	15	asian	asian	ADJ
ajfa-3023	338	16	banks	bank	NOUN
ajfa-3023	338	17	using	use	VERB
ajfa-3023	338	18	those	those	DET
ajfa-3023	338	19	data	datum	NOUN
ajfa-3023	338	20	when	when	SCONJ
ajfa-3023	338	21	they	they	PRON
ajfa-3023	338	22	become	become	VERB
ajfa-3023	338	23	sufficiently	sufficiently	ADV
ajfa-3023	338	24	available	available	ADJ
ajfa-3023	338	25	.	.	PUNCT
ajfa-3023	339	1	references	reference	NOUN
ajfa-3023	339	2	alston	alston	PROPN
ajfa-3023	339	3	,	,	PUNCT
ajfa-3023	339	4	l.	l.	PROPN
ajfa-3023	339	5	,	,	PUNCT
ajfa-3023	339	6	wayne	wayne	PROPN
ajfa-3023	339	7	g.	g.	PROPN
ajfa-3023	339	8	,	,	PUNCT
ajfa-3023	339	9	&	&	CCONJ
ajfa-3023	339	10	david	david	PROPN
ajfa-3023	339	11	w.	w.	PROPN
ajfa-3023	339	12	(	(	PUNCT
ajfa-3023	339	13	1994	1994	NUM
ajfa-3023	339	14	)	)	PUNCT
ajfa-3023	339	15	.	.	PUNCT
ajfa-3023	340	1	why	why	SCONJ
ajfa-3023	340	2	do	do	AUX
ajfa-3023	340	3	banks	bank	NOUN
ajfa-3023	340	4	fail	fail	VERB
ajfa-3023	340	5	?	?	PUNCT
ajfa-3023	341	1	evidence	evidence	NOUN
ajfa-3023	341	2	from	from	ADP
ajfa-3023	341	3	the	the	DET
ajfa-3023	341	4	1920s	1920s	NUM
ajfa-3023	341	5	.	.	PUNCT
ajfa-3023	342	1	explorations	exploration	NOUN
ajfa-3023	342	2	in	in	ADP
ajfa-3023	342	3	economic	economic	ADJ
ajfa-3023	342	4	history	history	NOUN
ajfa-3023	342	5	,	,	PUNCT
ajfa-3023	342	6	31	31	NUM
ajfa-3023	342	7	,	,	PUNCT
ajfa-3023	342	8	409	409	NUM
ajfa-3023	342	9	-	-	SYM
ajfa-3023	342	10	431	431	NUM
ajfa-3023	342	11	.	.	PUNCT
ajfa-3023	343	1	http://dx.doi.org/10.1006/exeh.1994.1017	http://dx.doi.org/10.1006/exeh.1994.1017	PROPN
ajfa-3023	343	2	angkinand	angkinand	PROPN
ajfa-3023	343	3	,	,	PUNCT
ajfa-3023	343	4	a.	a.	PROPN
ajfa-3023	343	5	,	,	PUNCT
ajfa-3023	343	6	&	&	CCONJ
ajfa-3023	343	7	wihlborg	wihlborg	PROPN
ajfa-3023	343	8	,	,	PUNCT
ajfa-3023	343	9	c.	c.	PROPN
ajfa-3023	343	10	(	(	PUNCT
ajfa-3023	343	11	2006	2006	NUM
ajfa-3023	343	12	)	)	PUNCT
ajfa-3023	343	13	.	.	PUNCT
ajfa-3023	344	1	banking	banking	NOUN
ajfa-3023	344	2	crises	crisis	NOUN
ajfa-3023	344	3	:	:	PUNCT
ajfa-3023	344	4	investigation	investigation	NOUN
ajfa-3023	344	5	of	of	ADP
ajfa-3023	344	6	the	the	DET
ajfa-3023	344	7	cost	cost	NOUN
ajfa-3023	344	8	-	-	PUNCT
ajfa-3023	344	9	benefit	benefit	NOUN
ajfa-3023	344	10	trade	trade	NOUN
ajfa-3023	344	11	-	-	PUNCT
ajfa-3023	344	12	off	off	NOUN
ajfa-3023	344	13	,	,	PUNCT
ajfa-3023	344	14	claremont	claremont	VERB
ajfa-3023	344	15	working	working	NOUN
ajfa-3023	344	16	paper	paper	NOUN
ajfa-3023	344	17	,	,	PUNCT
ajfa-3023	344	18	claremont	claremont	PROPN
ajfa-3023	344	19	graduate	graduate	PROPN
ajfa-3023	344	20	university	university	PROPN
ajfa-3023	344	21	.	.	PUNCT
ajfa-3023	345	1	angkinand	angkinand	PROPN
ajfa-3023	345	2	,	,	PUNCT
ajfa-3023	345	3	a.	a.	PROPN
ajfa-3023	345	4	,	,	PUNCT
ajfa-3023	345	5	&	&	CCONJ
ajfa-3023	345	6	wihlborg	wihlborg	PROPN
ajfa-3023	345	7	,	,	PUNCT
ajfa-3023	345	8	c.	c.	PROPN
ajfa-3023	345	9	(	(	PUNCT
ajfa-3023	345	10	2007	2007	NUM
ajfa-3023	345	11	)	)	PUNCT
ajfa-3023	345	12	.	.	PUNCT
ajfa-3023	346	1	deposit	deposit	NOUN
ajfa-3023	346	2	insurance	insurance	NOUN
ajfa-3023	346	3	coverage	coverage	NOUN
ajfa-3023	346	4	,	,	PUNCT
ajfa-3023	346	5	credibility	credibility	NOUN
ajfa-3023	346	6	of	of	ADP
ajfa-3023	346	7	non	non	ADJ
ajfa-3023	346	8	-	-	NOUN
ajfa-3023	346	9	insurance	insurance	NOUN
ajfa-3023	346	10	,	,	PUNCT
ajfa-3023	346	11	and	and	CCONJ
ajfa-3023	346	12	banking	banking	NOUN
ajfa-3023	346	13	crises	crisis	NOUN
ajfa-3023	346	14	.	.	PUNCT
ajfa-3023	347	1	working	work	VERB
ajfa-3023	347	2	papers	paper	NOUN
ajfa-3023	347	3	2005	2005	NUM
ajfa-3023	347	4	-	-	SYM
ajfa-3023	347	5	10	10	NUM
ajfa-3023	347	6	,	,	PUNCT
ajfa-3023	347	7	copenhagen	copenhagen	PROPN
ajfa-3023	347	8	business	business	PROPN
ajfa-3023	347	9	school	school	PROPN
ajfa-3023	347	10	,	,	PUNCT
ajfa-3023	347	11	department	department	NOUN
ajfa-3023	347	12	of	of	ADP
ajfa-3023	347	13	finance	finance	PROPN
ajfa-3023	347	14	.	.	PUNCT
ajfa-3023	348	1	angkinand	angkinand	PROPN
ajfa-3023	348	2	,	,	PUNCT
ajfa-3023	348	3	a.	a.	PROPN
ajfa-3023	348	4	,	,	PUNCT
ajfa-3023	348	5	&	&	CCONJ
ajfa-3023	348	6	wihlborg	wihlborg	PROPN
ajfa-3023	348	7	,	,	PUNCT
ajfa-3023	348	8	c.	c.	PROPN
ajfa-3023	348	9	(	(	PUNCT
ajfa-3023	348	10	2010	2010	NUM
ajfa-3023	348	11	)	)	PUNCT
ajfa-3023	348	12	.	.	PUNCT
ajfa-3023	349	1	deposit	deposit	NOUN
ajfa-3023	349	2	insurance	insurance	NOUN
ajfa-3023	349	3	coverage	coverage	NOUN
ajfa-3023	349	4	,	,	PUNCT
ajfa-3023	349	5	ownership	ownership	NOUN
ajfa-3023	349	6	,	,	PUNCT
ajfa-3023	349	7	and	and	CCONJ
ajfa-3023	349	8	banks	bank	NOUN
ajfa-3023	349	9	'	'	PART
ajfa-3023	349	10	risk	risk	NOUN
ajfa-3023	349	11	-	-	PUNCT
ajfa-3023	349	12	taking	taking	NOUN
ajfa-3023	349	13	in	in	ADP
ajfa-3023	349	14	emerging	emerge	VERB
ajfa-3023	349	15	markets	market	NOUN
ajfa-3023	349	16	.	.	PUNCT
ajfa-3023	350	1	journal	journal	NOUN
ajfa-3023	350	2	of	of	ADP
ajfa-3023	350	3	international	international	ADJ
ajfa-3023	350	4	money	money	NOUN
ajfa-3023	350	5	and	and	CCONJ
ajfa-3023	350	6	finance	finance	NOUN
ajfa-3023	350	7	,	,	PUNCT
ajfa-3023	350	8	29	29	NUM
ajfa-3023	350	9	,	,	PUNCT
ajfa-3023	350	10	201	201	NUM
ajfa-3023	350	11	-	-	SYM
ajfa-3023	350	12	386	386	NUM
ajfa-3023	350	13	.	.	PUNCT
ajfa-3023	351	1	http://dx.doi.org/10.1016/j.jimonfin.2009.08.001	http://dx.doi.org/10.1016/j.jimonfin.2009.08.001	PROPN
ajfa-3023	351	2	areta	areta	PROPN
ajfa-3023	351	3	,	,	PUNCT
ajfa-3023	351	4	c.	c.	PROPN
ajfa-3023	351	5	&	&	CCONJ
ajfa-3023	351	6	eichengreen	eichengreen	PROPN
ajfa-3023	351	7	,	,	PUNCT
ajfa-3023	351	8	b.	b.	PROPN
ajfa-3023	351	9	(	(	PUNCT
ajfa-3023	351	10	2002	2002	NUM
ajfa-3023	351	11	)	)	PUNCT
ajfa-3023	351	12	.	.	PUNCT
ajfa-3023	352	1	banking	banking	NOUN
ajfa-3023	352	2	crisis	crisis	NOUN
ajfa-3023	352	3	in	in	ADP
ajfa-3023	352	4	emerging	emerge	VERB
ajfa-3023	352	5	markets	market	NOUN
ajfa-3023	352	6	:	:	PUNCT
ajfa-3023	352	7	presumptions	presumption	NOUN
ajfa-3023	352	8	and	and	CCONJ
ajfa-3023	352	9	evidence	evidence	NOUN
ajfa-3023	352	10	,	,	PUNCT
ajfa-3023	352	11	in	in	ADP
ajfa-3023	352	12	:	:	PUNCT
ajfa-3023	352	13	(	(	PUNCT
ajfa-3023	352	14	ed	ed	NOUN
ajfa-3023	352	15	.	.	PROPN
ajfa-3023	352	16	blejer	blejer	PROPN
ajfa-3023	352	17	,	,	PUNCT
ajfa-3023	352	18	m.	m.	NOUN
ajfa-3023	352	19	and	and	CCONJ
ajfa-3023	352	20	m.	m.	PROPN
ajfa-3023	352	21	skreb	skreb	PROPN
ajfa-3023	352	22	)	)	PUNCT
ajfa-3023	352	23	financial	financial	ADJ
ajfa-3023	352	24	policies	policy	NOUN
ajfa-3023	352	25	in	in	ADP
ajfa-3023	352	26	emerging	emerge	VERB
ajfa-3023	352	27	markets	market	NOUN
ajfa-3023	352	28	,	,	PUNCT
ajfa-3023	352	29	mit	mit	PROPN
ajfa-3023	352	30	press	press	NOUN
ajfa-3023	352	31	,	,	PUNCT
ajfa-3023	352	32	cambridge	cambridge	PROPN
ajfa-3023	352	33	,	,	PUNCT
ajfa-3023	352	34	ma	ma	PROPN
ajfa-3023	352	35	.	.	PROPN
ajfa-3023	352	36	baltagi	baltagi	PROPN
ajfa-3023	352	37	,	,	PUNCT
ajfa-3023	352	38	b.	b.	PROPN
ajfa-3023	352	39	&	&	CCONJ
ajfa-3023	352	40	wu	wu	PROPN
ajfa-3023	352	41	,	,	PUNCT
ajfa-3023	352	42	p.	p.	NOUN
ajfa-3023	352	43	(	(	PUNCT
ajfa-3023	352	44	1999	1999	NUM
ajfa-3023	352	45	)	)	PUNCT
ajfa-3023	352	46	.	.	PUNCT
ajfa-3023	353	1	unequally	unequally	ADV
ajfa-3023	353	2	spaced	space	VERB
ajfa-3023	353	3	panel	panel	NOUN
ajfa-3023	353	4	data	data	NOUN
ajfa-3023	353	5	regressions	regression	NOUN
ajfa-3023	353	6	with	with	ADP
ajfa-3023	353	7	ar(1	ar(1	NOUN
ajfa-3023	353	8	)	)	PUNCT
ajfa-3023	353	9	disturbances	disturbance	NOUN
ajfa-3023	353	10	.	.	PUNCT
ajfa-3023	354	1	econometric	econometric	PROPN
ajfa-3023	354	2	theory	theory	NOUN
ajfa-3023	354	3	,	,	PUNCT
ajfa-3023	354	4	15	15	NUM
ajfa-3023	354	5	,	,	PUNCT
ajfa-3023	354	6	814–823	814–823	NUM
ajfa-3023	354	7	.	.	PUNCT
ajfa-3023	355	1	http://dx.doi.org/10.1017/s0266466699156020	http://dx.doi.org/10.1017/s0266466699156020	PROPN
ajfa-3023	355	2	basel	basel	PROPN
ajfa-3023	355	3	committee	committee	PROPN
ajfa-3023	355	4	on	on	ADP
ajfa-3023	355	5	banking	banking	NOUN
ajfa-3023	355	6	supervision	supervision	NOUN
ajfa-3023	355	7	(	(	PUNCT
ajfa-3023	355	8	bcbs	bcbs	PROPN
ajfa-3023	355	9	)	)	PUNCT
ajfa-3023	355	10	(	(	PUNCT
ajfa-3023	355	11	2001	2001	NUM
ajfa-3023	355	12	)	)	PUNCT
ajfa-3023	355	13	.	.	PUNCT
ajfa-3023	356	1	consultative	consultative	ADJ
ajfa-3023	356	2	document	document	NOUN
ajfa-3023	356	3	:	:	PUNCT
ajfa-3023	356	4	overview	overview	NOUN
ajfa-3023	356	5	of	of	ADP
ajfa-3023	356	6	the	the	DET
ajfa-3023	356	7	new	new	ADJ
ajfa-3023	356	8	basel	basel	PROPN
ajfa-3023	356	9	capital	capital	PROPN
ajfa-3023	356	10	accord	accord	NOUN
ajfa-3023	356	11	,	,	PUNCT
ajfa-3023	356	12	bank	bank	NOUN
ajfa-3023	356	13	for	for	ADP
ajfa-3023	356	14	international	international	ADJ
ajfa-3023	356	15	settlements	settlement	NOUN
ajfa-3023	356	16	.	.	PUNCT
ajfa-3023	357	1	biørn	biørn	NOUN
ajfa-3023	357	2	,	,	PUNCT
ajfa-3023	357	3	e.	e.	PROPN
ajfa-3023	357	4	(	(	PUNCT
ajfa-3023	357	5	2004	2004	NUM
ajfa-3023	357	6	)	)	PUNCT
ajfa-3023	357	7	.	.	PUNCT
ajfa-3023	358	1	regression	regression	NOUN
ajfa-3023	358	2	systems	system	NOUN
ajfa-3023	358	3	for	for	ADP
ajfa-3023	358	4	unbalanced	unbalanced	ADJ
ajfa-3023	358	5	panel	panel	NOUN
ajfa-3023	358	6	data	datum	NOUN
ajfa-3023	358	7	:	:	PUNCT
ajfa-3023	358	8	a	a	DET
ajfa-3023	358	9	stepwise	stepwise	ADJ
ajfa-3023	358	10	maximum	maximum	ADJ
ajfa-3023	358	11	likelihood	likelihood	NOUN
ajfa-3023	358	12	procedure	procedure	NOUN
ajfa-3023	358	13	.	.	PUNCT
ajfa-3023	359	1	journal	journal	NOUN
ajfa-3023	359	2	of	of	ADP
ajfa-3023	359	3	econometrics	econometric	NOUN
ajfa-3023	359	4	,	,	PUNCT
ajfa-3023	359	5	122	122	NUM
ajfa-3023	359	6	,	,	PUNCT
ajfa-3023	359	7	281–291	281–291	NUM
ajfa-3023	359	8	.	.	PUNCT
ajfa-3023	360	1	http://dx.doi.org/10.1016/j.jeconom.2003.10.023	http://dx.doi.org/10.1016/j.jeconom.2003.10.023	PROPN
ajfa-3023	360	2	asian	asian	ADJ
ajfa-3023	360	3	journal	journal	NOUN
ajfa-3023	360	4	of	of	ADP
ajfa-3023	360	5	finance	finance	PROPN
ajfa-3023	360	6	&	&	CCONJ
ajfa-3023	360	7	accounting	accounting	PROPN
ajfa-3023	360	8	issn	issn	PROPN
ajfa-3023	360	9	1946	1946	NUM
ajfa-3023	360	10	-	-	PUNCT
ajfa-3023	360	11	052x	052x	NOUN
ajfa-3023	360	12	2013	2013	NUM
ajfa-3023	360	13	,	,	PUNCT
ajfa-3023	360	14	vol	vol	NOUN
ajfa-3023	360	15	.	.	PROPN
ajfa-3023	360	16	5	5	NUM
ajfa-3023	360	17	,	,	PUNCT
ajfa-3023	360	18	no	no	INTJ
ajfa-3023	360	19	.	.	NOUN
ajfa-3023	360	20	1	1	NUM
ajfa-3023	360	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	360	22	124	124	NUM
ajfa-3023	360	23	boyd	boyd	PROPN
ajfa-3023	360	24	,	,	PUNCT
ajfa-3023	360	25	h.	h.	PROPN
ajfa-3023	360	26	&	&	CCONJ
ajfa-3023	360	27	rolnick	rolnick	PROPN
ajfa-3023	360	28	,	,	PUNCT
ajfa-3023	360	29	a.	a.	NOUN
ajfa-3023	360	30	(	(	PUNCT
ajfa-3023	360	31	1998	1998	NUM
ajfa-3023	360	32	)	)	PUNCT
ajfa-3023	360	33	.	.	PUNCT
ajfa-3023	361	1	a	a	DET
ajfa-3023	361	2	case	case	NOUN
ajfa-3023	361	3	for	for	ADP
ajfa-3023	361	4	reforming	reform	VERB
ajfa-3023	361	5	deposit	deposit	NOUN
ajfa-3023	361	6	insurance	insurance	NOUN
ajfa-3023	361	7	.	.	PUNCT
ajfa-3023	362	1	annual	annual	ADJ
ajfa-3023	362	2	report	report	NOUN
ajfa-3023	362	3	,	,	PUNCT
ajfa-3023	362	4	federal	federal	PROPN
ajfa-3023	362	5	reserve	reserve	PROPN
ajfa-3023	362	6	bank	bank	PROPN
ajfa-3023	362	7	of	of	ADP
ajfa-3023	362	8	minneapolis	minneapolis	PROPN
ajfa-3023	362	9	.	.	PROPN
ajfa-3023	362	10	cebenoyan	cebenoyan	PROPN
ajfa-3023	362	11	,	,	PUNCT
ajfa-3023	362	12	a.	a.	PROPN
ajfa-3023	362	13	,	,	PUNCT
ajfa-3023	362	14	cooperman	cooperman	PROPN
ajfa-3023	362	15	,	,	PUNCT
ajfa-3023	362	16	e.	e.	PROPN
ajfa-3023	362	17	,	,	PUNCT
ajfa-3023	362	18	&	&	CCONJ
ajfa-3023	362	19	register	register	PROPN
ajfa-3023	362	20	,	,	PUNCT
ajfa-3023	362	21	c.	c.	PROPN
ajfa-3023	362	22	(	(	PUNCT
ajfa-3023	362	23	1999	1999	NUM
ajfa-3023	362	24	)	)	PUNCT
ajfa-3023	362	25	.	.	PUNCT
ajfa-3023	363	1	ownership	ownership	NOUN
ajfa-3023	363	2	structure	structure	NOUN
ajfa-3023	363	3	,	,	PUNCT
ajfa-3023	363	4	charter	charter	NOUN
ajfa-3023	363	5	value	value	NOUN
ajfa-3023	363	6	,	,	PUNCT
ajfa-3023	363	7	and	and	CCONJ
ajfa-3023	363	8	risk	risk	NOUN
ajfa-3023	363	9	-	-	PUNCT
ajfa-3023	363	10	taking	take	VERB
ajfa-3023	363	11	behavior	behavior	NOUN
ajfa-3023	363	12	for	for	ADP
ajfa-3023	363	13	thrifts	thrift	NOUN
ajfa-3023	363	14	.	.	PUNCT
ajfa-3023	364	1	financial	financial	ADJ
ajfa-3023	364	2	management	management	NOUN
ajfa-3023	364	3	,	,	PUNCT
ajfa-3023	364	4	28	28	NUM
ajfa-3023	364	5	,	,	PUNCT
ajfa-3023	364	6	43–60	43–60	NUM
ajfa-3023	364	7	.	.	PUNCT
ajfa-3023	365	1	http://dx.doi.org/10.2307/3666116	http://dx.doi.org/10.2307/3666116	PROPN
ajfa-3023	365	2	chernykh	chernykh	PROPN
ajfa-3023	365	3	,	,	PUNCT
ajfa-3023	365	4	l.	l.	PROPN
ajfa-3023	365	5	,	,	PUNCT
ajfa-3023	365	6	&	&	CCONJ
ajfa-3023	365	7	cole	cole	PROPN
ajfa-3023	365	8	,	,	PUNCT
ajfa-3023	365	9	rebel	rebel	ADJ
ajfa-3023	365	10	a.	a.	NOUN
ajfa-3023	365	11	(	(	PUNCT
ajfa-3023	365	12	2011	2011	NUM
ajfa-3023	365	13	)	)	PUNCT
ajfa-3023	365	14	.	.	PUNCT
ajfa-3023	366	1	does	do	AUX
ajfa-3023	366	2	deposit	deposit	NOUN
ajfa-3023	366	3	insurance	insurance	NOUN
ajfa-3023	366	4	improve	improve	VERB
ajfa-3023	366	5	financial	financial	ADJ
ajfa-3023	366	6	intermediation	intermediation	NOUN
ajfa-3023	366	7	?	?	PUNCT
ajfa-3023	367	1	evidence	evidence	NOUN
ajfa-3023	367	2	from	from	ADP
ajfa-3023	367	3	the	the	DET
ajfa-3023	367	4	russian	russian	ADJ
ajfa-3023	367	5	experiment	experiment	NOUN
ajfa-3023	367	6	.	.	PUNCT
ajfa-3023	368	1	journal	journal	NOUN
ajfa-3023	368	2	of	of	ADP
ajfa-3023	368	3	banking	banking	NOUN
ajfa-3023	368	4	and	and	CCONJ
ajfa-3023	368	5	finance	finance	NOUN
ajfa-3023	368	6	,	,	PUNCT
ajfa-3023	368	7	35(2	35(2	NUM
ajfa-3023	368	8	)	)	PUNCT
ajfa-3023	368	9	,	,	PUNCT
ajfa-3023	368	10	388	388	NUM
ajfa-3023	368	11	-	-	SYM
ajfa-3023	368	12	402	402	NUM
ajfa-3023	368	13	.	.	PUNCT
ajfa-3023	369	1	http://dx.doi.org/10.1016/j.jbankfin.2010.08.014	http://dx.doi.org/10.1016/j.jbankfin.2010.08.014	PROPN
ajfa-3023	369	2	cordella	cordella	PROPN
ajfa-3023	369	3	,	,	PUNCT
ajfa-3023	369	4	t.	t.	PROPN
ajfa-3023	369	5	,	,	PUNCT
ajfa-3023	369	6	&	&	CCONJ
ajfa-3023	369	7	levy	levy	PROPN
ajfa-3023	369	8	-	-	PUNCT
ajfa-3023	369	9	yeyati	yeyati	PROPN
ajfa-3023	369	10	,	,	PUNCT
ajfa-3023	369	11	e.	e.	PROPN
ajfa-3023	369	12	(	(	PUNCT
ajfa-3023	369	13	2002	2002	NUM
ajfa-3023	369	14	)	)	PUNCT
ajfa-3023	369	15	.	.	PUNCT
ajfa-3023	370	1	financial	financial	ADJ
ajfa-3023	370	2	opening	opening	NOUN
ajfa-3023	370	3	,	,	PUNCT
ajfa-3023	370	4	deposit	deposit	NOUN
ajfa-3023	370	5	insurance	insurance	NOUN
ajfa-3023	370	6	,	,	PUNCT
ajfa-3023	370	7	and	and	CCONJ
ajfa-3023	370	8	risk	risk	NOUN
ajfa-3023	370	9	in	in	ADP
ajfa-3023	370	10	a	a	DET
ajfa-3023	370	11	model	model	NOUN
ajfa-3023	370	12	of	of	ADP
ajfa-3023	370	13	banking	banking	NOUN
ajfa-3023	370	14	competition	competition	NOUN
ajfa-3023	370	15	.	.	PUNCT
ajfa-3023	371	1	european	european	ADJ
ajfa-3023	371	2	economic	economic	PROPN
ajfa-3023	371	3	review	review	PROPN
ajfa-3023	371	4	,	,	PUNCT
ajfa-3023	371	5	46	46	NUM
ajfa-3023	371	6	,	,	PUNCT
ajfa-3023	371	7	471	471	NUM
ajfa-3023	371	8	-	-	SYM
ajfa-3023	371	9	485	485	NUM
ajfa-3023	371	10	.	.	PUNCT
ajfa-3023	372	1	http://dx.doi.org/10.1016/s0014-2921(01)00150-7	http://dx.doi.org/10.1016/s0014-2921(01)00150-7	NOUN
ajfa-3023	372	2	cull	cull	NOUN
ajfa-3023	372	3	,	,	PUNCT
ajfa-3023	372	4	r.	r.	PROPN
ajfa-3023	372	5	(	(	PUNCT
ajfa-3023	372	6	1998	1998	NUM
ajfa-3023	372	7	)	)	PUNCT
ajfa-3023	372	8	.	.	PUNCT
ajfa-3023	373	1	how	how	SCONJ
ajfa-3023	373	2	deposit	deposit	NOUN
ajfa-3023	373	3	insurance	insurance	NOUN
ajfa-3023	373	4	affects	affect	VERB
ajfa-3023	373	5	financial	financial	ADJ
ajfa-3023	373	6	depth	depth	NOUN
ajfa-3023	373	7	,	,	PUNCT
ajfa-3023	373	8	in	in	ADP
ajfa-3023	373	9	:	:	PUNCT
ajfa-3023	373	10	policy	policy	NOUN
ajfa-3023	373	11	research	research	NOUN
ajfa-3023	373	12	working	working	NOUN
ajfa-3023	373	13	paper	paper	NOUN
ajfa-3023	373	14	series	series	NOUN
ajfa-3023	373	15	:	:	PUNCT
ajfa-3023	373	16	1875	1875	NUM
ajfa-3023	373	17	,	,	PUNCT
ajfa-3023	373	18	the	the	DET
ajfa-3023	373	19	world	world	PROPN
ajfa-3023	373	20	bank	bank	PROPN
ajfa-3023	373	21	.	.	PUNCT
ajfa-3023	374	1	davis	davis	PROPN
ajfa-3023	374	2	,	,	PUNCT
ajfa-3023	374	3	e.	e.	PROPN
ajfa-3023	374	4	,	,	PUNCT
ajfa-3023	374	5	&	&	CCONJ
ajfa-3023	374	6	obasi	obasi	PROPN
ajfa-3023	374	7	,	,	PUNCT
ajfa-3023	374	8	u.	u.	PROPN
ajfa-3023	374	9	(	(	PUNCT
ajfa-3023	374	10	2009	2009	NUM
ajfa-3023	374	11	)	)	PUNCT
ajfa-3023	374	12	.	.	PUNCT
ajfa-3023	375	1	deposit	deposit	NOUN
ajfa-3023	375	2	insurance	insurance	NOUN
ajfa-3023	375	3	systems	system	NOUN
ajfa-3023	375	4	and	and	CCONJ
ajfa-3023	375	5	bank	bank	NOUN
ajfa-3023	375	6	risk	risk	NOUN
ajfa-3023	375	7	,	,	PUNCT
ajfa-3023	375	8	working	work	VERB
ajfa-3023	375	9	paper	paper	NOUN
ajfa-3023	375	10	series	series	NOUN
ajfa-3023	375	11	,	,	PUNCT
ajfa-3023	375	12	brunel	brunel	PROPN
ajfa-3023	375	13	university	university	PROPN
ajfa-3023	375	14	.	.	PUNCT
ajfa-3023	376	1	demirgüç	demirgüç	PROPN
ajfa-3023	376	2	-	-	PUNCT
ajfa-3023	376	3	kunt	kunt	PROPN
ajfa-3023	376	4	,	,	PUNCT
ajfa-3023	376	5	a.	a.	NOUN
ajfa-3023	376	6	,	,	PUNCT
ajfa-3023	376	7	&	&	CCONJ
ajfa-3023	376	8	huizinga	huizinga	PROPN
ajfa-3023	376	9	,	,	PUNCT
ajfa-3023	376	10	h.	h.	PROPN
ajfa-3023	376	11	(	(	PUNCT
ajfa-3023	376	12	1999	1999	NUM
ajfa-3023	376	13	)	)	PUNCT
ajfa-3023	376	14	.	.	PUNCT
ajfa-3023	377	1	market	market	NOUN
ajfa-3023	377	2	discipline	discipline	NOUN
ajfa-3023	377	3	and	and	CCONJ
ajfa-3023	377	4	financial	financial	ADJ
ajfa-3023	377	5	safety	safety	NOUN
ajfa-3023	377	6	net	net	ADJ
ajfa-3023	377	7	design	design	NOUN
ajfa-3023	377	8	.	.	PUNCT
ajfa-3023	378	1	in	in	ADP
ajfa-3023	378	2	:	:	PUNCT
ajfa-3023	378	3	policy	policy	NOUN
ajfa-3023	378	4	research	research	NOUN
ajfa-3023	378	5	working	working	NOUN
ajfa-3023	378	6	paper	paper	NOUN
ajfa-3023	378	7	series	series	NOUN
ajfa-3023	378	8	:	:	PUNCT
ajfa-3023	378	9	2183	2183	NUM
ajfa-3023	378	10	,	,	PUNCT
ajfa-3023	378	11	the	the	DET
ajfa-3023	378	12	world	world	PROPN
ajfa-3023	378	13	bank	bank	PROPN
ajfa-3023	378	14	.	.	PUNCT
ajfa-3023	379	1	demirgüç	demirgüç	PROPN
ajfa-3023	379	2	-	-	PUNCT
ajfa-3023	379	3	kunt	kunt	PROPN
ajfa-3023	379	4	,	,	PUNCT
ajfa-3023	379	5	a.	a.	PROPN
ajfa-3023	379	6	,	,	PUNCT
ajfa-3023	379	7	&	&	CCONJ
ajfa-3023	379	8	detragiache	detragiache	PROPN
ajfa-3023	379	9	,	,	PUNCT
ajfa-3023	379	10	e.	e.	PROPN
ajfa-3023	379	11	(	(	PUNCT
ajfa-3023	379	12	2000	2000	NUM
ajfa-3023	379	13	)	)	PUNCT
ajfa-3023	379	14	.	.	PUNCT
ajfa-3023	380	1	does	do	AUX
ajfa-3023	380	2	deposit	deposit	VERB
ajfa-3023	380	3	insurance	insurance	NOUN
ajfa-3023	380	4	increase	increase	NOUN
ajfa-3023	380	5	banking	banking	NOUN
ajfa-3023	380	6	system	system	NOUN
ajfa-3023	380	7	stability	stability	NOUN
ajfa-3023	380	8	?	?	PUNCT
ajfa-3023	381	1	an	an	DET
ajfa-3023	381	2	empirical	empirical	ADJ
ajfa-3023	381	3	investigation	investigation	NOUN
ajfa-3023	381	4	.	.	PUNCT
ajfa-3023	382	1	in	in	ADP
ajfa-3023	382	2	:	:	PUNCT
ajfa-3023	382	3	policy	policy	NOUN
ajfa-3023	382	4	research	research	NOUN
ajfa-3023	382	5	working	working	NOUN
ajfa-3023	382	6	paper	paper	NOUN
ajfa-3023	382	7	series	series	NOUN
ajfa-3023	382	8	:	:	PUNCT
ajfa-3023	382	9	2247	2247	NUM
ajfa-3023	382	10	,	,	PUNCT
ajfa-3023	382	11	the	the	DET
ajfa-3023	382	12	world	world	PROPN
ajfa-3023	382	13	bank	bank	PROPN
ajfa-3023	382	14	.	.	PUNCT
ajfa-3023	383	1	demirguc	demirguc	PROPN
ajfa-3023	383	2	-	-	PUNCT
ajfa-3023	383	3	kunt	kunt	PROPN
ajfa-3023	383	4	,	,	PUNCT
ajfa-3023	383	5	a.	a.	PROPN
ajfa-3023	383	6	,	,	PUNCT
ajfa-3023	383	7	&	&	CCONJ
ajfa-3023	383	8	detragiache	detragiache	PROPN
ajfa-3023	383	9	,	,	PUNCT
ajfa-3023	383	10	e.	e.	PROPN
ajfa-3023	383	11	(	(	PUNCT
ajfa-3023	383	12	2002	2002	NUM
ajfa-3023	383	13	)	)	PUNCT
ajfa-3023	383	14	.	.	PUNCT
ajfa-3023	384	1	does	do	AUX
ajfa-3023	384	2	deposit	deposit	VERB
ajfa-3023	384	3	insurance	insurance	NOUN
ajfa-3023	384	4	increase	increase	NOUN
ajfa-3023	384	5	banking	banking	NOUN
ajfa-3023	384	6	system	system	NOUN
ajfa-3023	384	7	stability	stability	NOUN
ajfa-3023	384	8	?	?	PUNCT
ajfa-3023	385	1	an	an	DET
ajfa-3023	385	2	empirical	empirical	ADJ
ajfa-3023	385	3	investigation	investigation	NOUN
ajfa-3023	385	4	.	.	PUNCT
ajfa-3023	386	1	journal	journal	NOUN
ajfa-3023	386	2	of	of	ADP
ajfa-3023	386	3	monetary	monetary	ADJ
ajfa-3023	386	4	economics	economic	NOUN
ajfa-3023	386	5	,	,	PUNCT
ajfa-3023	386	6	49(7	49(7	NUM
ajfa-3023	386	7	)	)	PUNCT
ajfa-3023	386	8	,	,	PUNCT
ajfa-3023	386	9	1373	1373	NUM
ajfa-3023	386	10	-	-	SYM
ajfa-3023	386	11	1406	1406	NUM
ajfa-3023	386	12	.	.	PUNCT
ajfa-3023	387	1	http://dx.doi.org/10.1016/s0304-3932(02)00171-x	http://dx.doi.org/10.1016/s0304-3932(02)00171-x	PROPN
ajfa-3023	387	2	demirgüç	demirgüç	PROPN
ajfa-3023	387	3	-	-	PUNCT
ajfa-3023	387	4	kunt	kunt	PROPN
ajfa-3023	387	5	,	,	PUNCT
ajfa-3023	387	6	a.	a.	PROPN
ajfa-3023	387	7	,	,	PUNCT
ajfa-3023	387	8	karacaovali	karacaovali	PROPN
ajfa-3023	387	9	,	,	PUNCT
ajfa-3023	387	10	b.	b.	PROPN
ajfa-3023	387	11	,	,	PUNCT
ajfa-3023	387	12	&	&	CCONJ
ajfa-3023	387	13	laeven	laeven	ADJ
ajfa-3023	387	14	,	,	PUNCT
ajfa-3023	387	15	l.	l.	PROPN
ajfa-3023	387	16	(	(	PUNCT
ajfa-3023	387	17	2005	2005	NUM
ajfa-3023	387	18	)	)	PUNCT
ajfa-3023	387	19	.	.	PUNCT
ajfa-3023	388	1	deposit	deposit	NOUN
ajfa-3023	388	2	insurance	insurance	NOUN
ajfa-3023	388	3	around	around	ADP
ajfa-3023	388	4	the	the	DET
ajfa-3023	388	5	world	world	NOUN
ajfa-3023	388	6	:	:	PUNCT
ajfa-3023	388	7	a	a	DET
ajfa-3023	388	8	comprehensive	comprehensive	ADJ
ajfa-3023	388	9	database	database	NOUN
ajfa-3023	388	10	,	,	PUNCT
ajfa-3023	388	11	policy	policy	NOUN
ajfa-3023	388	12	research	research	NOUN
ajfa-3023	388	13	working	working	NOUN
ajfa-3023	388	14	paper	paper	NOUN
ajfa-3023	388	15	3628	3628	NUM
ajfa-3023	388	16	,	,	PUNCT
ajfa-3023	388	17	the	the	DET
ajfa-3023	388	18	world	world	PROPN
ajfa-3023	388	19	bank	bank	PROPN
ajfa-3023	388	20	.	.	PUNCT
ajfa-3023	389	1	demirguc	demirguc	PROPN
ajfa-3023	389	2	-	-	PUNCT
ajfa-3023	389	3	kunt	kunt	PROPN
ajfa-3023	389	4	,	,	PUNCT
ajfa-3023	389	5	a.	a.	PROPN
ajfa-3023	389	6	,	,	PUNCT
ajfa-3023	389	7	kane	kane	PROPN
ajfa-3023	389	8	,	,	PUNCT
ajfa-3023	389	9	e.	e.	PROPN
ajfa-3023	389	10	,	,	PUNCT
ajfa-3023	389	11	&	&	CCONJ
ajfa-3023	389	12	laeven	laeven	ADJ
ajfa-3023	389	13	,	,	PUNCT
ajfa-3023	389	14	l.	l.	PROPN
ajfa-3023	389	15	(	(	PUNCT
ajfa-3023	389	16	2006	2006	NUM
ajfa-3023	389	17	)	)	PUNCT
ajfa-3023	389	18	.	.	PUNCT
ajfa-3023	390	1	determinants	determinant	NOUN
ajfa-3023	390	2	of	of	ADP
ajfa-3023	390	3	deposit	deposit	NOUN
ajfa-3023	390	4	-	-	PUNCT
ajfa-3023	390	5	insurance	insurance	NOUN
ajfa-3023	390	6	adoption	adoption	NOUN
ajfa-3023	390	7	and	and	CCONJ
ajfa-3023	390	8	design	design	NOUN
ajfa-3023	390	9	,	,	PUNCT
ajfa-3023	390	10	policy	policy	NOUN
ajfa-3023	390	11	research	research	NOUN
ajfa-3023	390	12	working	working	NOUN
ajfa-3023	390	13	paper	paper	NOUN
ajfa-3023	390	14	series	series	NOUN
ajfa-3023	390	15	3849	3849	NUM
ajfa-3023	390	16	,	,	PUNCT
ajfa-3023	390	17	the	the	DET
ajfa-3023	390	18	world	world	PROPN
ajfa-3023	390	19	bank	bank	PROPN
ajfa-3023	390	20	.	.	PUNCT
ajfa-3023	391	1	demirgüç	demirgüç	PROPN
ajfa-3023	391	2	-	-	PUNCT
ajfa-3023	391	3	kunt	kunt	PROPN
ajfa-3023	391	4	,	,	PUNCT
ajfa-3023	391	5	a.	a.	PROPN
ajfa-3023	391	6	,	,	PUNCT
ajfa-3023	391	7	kane	kane	PROPN
ajfa-3023	391	8	,	,	PUNCT
ajfa-3023	391	9	e.	e.	PROPN
ajfa-3023	391	10	,	,	PUNCT
ajfa-3023	391	11	and	and	CCONJ
ajfa-3023	391	12	laeven	laeven	ADJ
ajfa-3023	391	13	,	,	PUNCT
ajfa-3023	391	14	l.	l.	PROPN
ajfa-3023	391	15	(	(	PUNCT
ajfa-3023	391	16	eds	eds	PROPN
ajfa-3023	391	17	.	.	PUNCT
ajfa-3023	391	18	)	)	PUNCT
ajfa-3023	391	19	.	.	PUNCT
ajfa-3023	392	1	(	(	PUNCT
ajfa-3023	392	2	2008	2008	NUM
ajfa-3023	392	3	)	)	PUNCT
ajfa-3023	392	4	.	.	PUNCT
ajfa-3023	393	1	deposit	deposit	NOUN
ajfa-3023	393	2	insurance	insurance	NOUN
ajfa-3023	393	3	around	around	ADP
ajfa-3023	393	4	the	the	DET
ajfa-3023	393	5	world	world	NOUN
ajfa-3023	393	6	:	:	PUNCT
ajfa-3023	393	7	issues	issue	NOUN
ajfa-3023	393	8	of	of	ADP
ajfa-3023	393	9	design	design	NOUN
ajfa-3023	393	10	and	and	CCONJ
ajfa-3023	393	11	implementation	implementation	NOUN
ajfa-3023	393	12	,	,	PUNCT
ajfa-3023	393	13	mit	mit	PROPN
ajfa-3023	393	14	press	press	NOUN
ajfa-3023	393	15	,	,	PUNCT
ajfa-3023	393	16	cambridge	cambridge	PROPN
ajfa-3023	393	17	,	,	PUNCT
ajfa-3023	393	18	ma	ma	PROPN
ajfa-3023	393	19	.	.	PROPN
ajfa-3023	393	20	diamond	diamond	PROPN
ajfa-3023	393	21	,	,	PUNCT
ajfa-3023	393	22	d.	d.	PROPN
ajfa-3023	393	23	&	&	CCONJ
ajfa-3023	393	24	dybvig	dybvig	PROPN
ajfa-3023	393	25	,	,	PUNCT
ajfa-3023	393	26	p.	p.	NOUN
ajfa-3023	393	27	(	(	PUNCT
ajfa-3023	393	28	1983	1983	NUM
ajfa-3023	393	29	)	)	PUNCT
ajfa-3023	393	30	.	.	PUNCT
ajfa-3023	394	1	bank	bank	NOUN
ajfa-3023	394	2	runs	run	NOUN
ajfa-3023	394	3	,	,	PUNCT
ajfa-3023	394	4	deposit	deposit	NOUN
ajfa-3023	394	5	insurance	insurance	NOUN
ajfa-3023	394	6	and	and	CCONJ
ajfa-3023	394	7	liquidity	liquidity	NOUN
ajfa-3023	394	8	.	.	PUNCT
ajfa-3023	395	1	journal	journal	NOUN
ajfa-3023	395	2	of	of	ADP
ajfa-3023	395	3	political	political	ADJ
ajfa-3023	395	4	economy	economy	NOUN
ajfa-3023	395	5	,	,	PUNCT
ajfa-3023	395	6	91	91	NUM
ajfa-3023	395	7	,	,	PUNCT
ajfa-3023	395	8	401	401	NUM
ajfa-3023	395	9	-	-	SYM
ajfa-3023	395	10	419	419	NUM
ajfa-3023	395	11	.	.	PUNCT
ajfa-3023	396	1	http://dx.doi.org/10.1086/261155	http://dx.doi.org/10.1086/261155	NOUN
ajfa-3023	396	2	distinguin	distinguin	PROPN
ajfa-3023	396	3	,	,	PUNCT
ajfa-3023	396	4	i.	i.	PROPN
ajfa-3023	396	5	,	,	PUNCT
ajfa-3023	396	6	kouassi	kouassi	PROPN
ajfa-3023	396	7	,	,	PUNCT
ajfa-3023	396	8	t.	t.	PROPN
ajfa-3023	396	9	,	,	PUNCT
ajfa-3023	396	10	&	&	CCONJ
ajfa-3023	396	11	tarazi	tarazi	NOUN
ajfa-3023	396	12	,	,	PUNCT
ajfa-3023	396	13	a.	a.	NOUN
ajfa-3023	396	14	(	(	PUNCT
ajfa-3023	396	15	2011	2011	NUM
ajfa-3023	396	16	)	)	PUNCT
ajfa-3023	396	17	.	.	PUNCT
ajfa-3023	397	1	deposit	deposit	NOUN
ajfa-3023	397	2	insurance	insurance	NOUN
ajfa-3023	397	3	,	,	PUNCT
ajfa-3023	397	4	moral	moral	ADJ
ajfa-3023	397	5	hazard	hazard	NOUN
ajfa-3023	397	6	and	and	CCONJ
ajfa-3023	397	7	market	market	NOUN
ajfa-3023	397	8	discipline	discipline	NOUN
ajfa-3023	397	9	:	:	PUNCT
ajfa-3023	397	10	evidence	evidence	NOUN
ajfa-3023	397	11	from	from	ADP
ajfa-3023	397	12	central	central	ADJ
ajfa-3023	397	13	and	and	CCONJ
ajfa-3023	397	14	eastern	eastern	ADJ
ajfa-3023	397	15	european	european	ADJ
ajfa-3023	397	16	banks	bank	NOUN
ajfa-3023	397	17	.	.	PUNCT
ajfa-3023	398	1	working	work	VERB
ajfa-3023	398	2	paper	paper	NOUN
ajfa-3023	398	3	series	series	NOUN
ajfa-3023	398	4	,	,	PUNCT
ajfa-3023	398	5	university	university	NOUN
ajfa-3023	398	6	de	de	PROPN
ajfa-3023	398	7	limoges	limoges	PROPN
ajfa-3023	398	8	,	,	PUNCT
ajfa-3023	398	9	france	france	PROPN
ajfa-3023	398	10	.	.	PUNCT
ajfa-3023	398	11	england	england	PROPN
ajfa-3023	398	12	,	,	PUNCT
ajfa-3023	398	13	c.	c.	PROPN
ajfa-3023	398	14	(	(	PUNCT
ajfa-3023	398	15	1988	1988	NUM
ajfa-3023	398	16	)	)	PUNCT
ajfa-3023	398	17	.	.	PUNCT
ajfa-3023	399	1	agency	agency	NOUN
ajfa-3023	399	2	costs	cost	NOUN
ajfa-3023	399	3	and	and	CCONJ
ajfa-3023	399	4	unregulated	unregulated	ADJ
ajfa-3023	399	5	banks	bank	NOUN
ajfa-3023	399	6	:	:	PUNCT
ajfa-3023	399	7	could	could	AUX
ajfa-3023	399	8	depositors	depositor	NOUN
ajfa-3023	399	9	protect	protect	VERB
ajfa-3023	399	10	themselves	themselves	PRON
ajfa-3023	399	11	?	?	PUNCT
ajfa-3023	399	12	,	,	PUNCT
ajfa-3023	399	13	cato	cato	PROPN
ajfa-3023	399	14	journal	journal	PROPN
ajfa-3023	399	15	,	,	PUNCT
ajfa-3023	399	16	7(3	7(3	NUM
ajfa-3023	399	17	)	)	PUNCT
ajfa-3023	399	18	,	,	PUNCT
ajfa-3023	399	19	771	771	NUM
ajfa-3023	399	20	-	-	SYM
ajfa-3023	399	21	802	802	NUM
ajfa-3023	399	22	.	.	PUNCT
ajfa-3023	400	1	forssbæck	forssbæck	PROPN
ajfa-3023	400	2	,	,	PUNCT
ajfa-3023	400	3	j.	j.	PROPN
ajfa-3023	400	4	(	(	PUNCT
ajfa-3023	400	5	2011	2011	NUM
ajfa-3023	400	6	)	)	PUNCT
ajfa-3023	400	7	.	.	PUNCT
ajfa-3023	401	1	ownership	ownership	NOUN
ajfa-3023	401	2	structure	structure	NOUN
ajfa-3023	401	3	,	,	PUNCT
ajfa-3023	401	4	market	market	NOUN
ajfa-3023	401	5	discipline	discipline	NOUN
ajfa-3023	401	6	,	,	PUNCT
ajfa-3023	401	7	and	and	CCONJ
ajfa-3023	401	8	banks	bank	NOUN
ajfa-3023	401	9	’	’	PART
ajfa-3023	401	10	risk	risk	NOUN
ajfa-3023	401	11	-	-	PUNCT
ajfa-3023	401	12	taking	taking	NOUN
ajfa-3023	401	13	.	.	PUNCT
ajfa-3023	402	1	asian	asian	ADJ
ajfa-3023	402	2	journal	journal	PROPN
ajfa-3023	402	3	of	of	ADP
ajfa-3023	402	4	finance	finance	PROPN
ajfa-3023	402	5	&	&	CCONJ
ajfa-3023	402	6	accounting	accounting	PROPN
ajfa-3023	402	7	issn	issn	PROPN
ajfa-3023	402	8	1946	1946	NUM
ajfa-3023	402	9	-	-	PUNCT
ajfa-3023	402	10	052x	052x	NOUN
ajfa-3023	402	11	2013	2013	NUM
ajfa-3023	402	12	,	,	PUNCT
ajfa-3023	402	13	vol	vol	NOUN
ajfa-3023	402	14	.	.	PROPN
ajfa-3023	402	15	5	5	NUM
ajfa-3023	402	16	,	,	PUNCT
ajfa-3023	402	17	no	no	INTJ
ajfa-3023	402	18	.	.	NOUN
ajfa-3023	402	19	1	1	NUM
ajfa-3023	402	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	402	21	125	125	NUM
ajfa-3023	402	22	incentives	incentive	NOUN
ajfa-3023	402	23	under	under	ADP
ajfa-3023	402	24	deposit	deposit	NOUN
ajfa-3023	402	25	insurance	insurance	NOUN
ajfa-3023	402	26	,	,	PUNCT
ajfa-3023	402	27	35(10	35(10	NUM
ajfa-3023	402	28	)	)	PUNCT
ajfa-3023	402	29	,	,	PUNCT
ajfa-3023	402	30	2666–2678	2666–2678	NUM
ajfa-3023	402	31	.	.	PUNCT
ajfa-3023	403	1	gan	gan	PROPN
ajfa-3023	403	2	,	,	PUNCT
ajfa-3023	403	3	l.	l.	PROPN
ajfa-3023	403	4	,	,	PUNCT
ajfa-3023	403	5	&	&	CCONJ
ajfa-3023	403	6	wang	wang	PROPN
ajfa-3023	403	7	,	,	PUNCT
ajfa-3023	403	8	w.	w.	PROPN
ajfa-3023	403	9	(	(	PUNCT
ajfa-3023	403	10	2010	2010	NUM
ajfa-3023	403	11	)	)	PUNCT
ajfa-3023	403	12	.	.	PUNCT
ajfa-3023	404	1	partial	partial	ADJ
ajfa-3023	404	2	deposit	deposit	NOUN
ajfa-3023	404	3	insurance	insurance	NOUN
ajfa-3023	404	4	and	and	CCONJ
ajfa-3023	404	5	moral	moral	ADJ
ajfa-3023	404	6	hazard	hazard	NOUN
ajfa-3023	404	7	in	in	ADP
ajfa-3023	404	8	banking	banking	NOUN
ajfa-3023	404	9	,	,	PUNCT
ajfa-3023	404	10	mpra	mpra	PROPN
ajfa-3023	404	11	paper	paper	PROPN
ajfa-3023	404	12	no	no	INTJ
ajfa-3023	404	13	.	.	PROPN
ajfa-3023	404	14	25798	25798	NUM
ajfa-3023	404	15	garcia	garcia	PROPN
ajfa-3023	404	16	,	,	PUNCT
ajfa-3023	404	17	g.	g.	PROPN
ajfa-3023	404	18	(	(	PUNCT
ajfa-3023	404	19	2001	2001	NUM
ajfa-3023	404	20	)	)	PUNCT
ajfa-3023	404	21	.	.	PUNCT
ajfa-3023	405	1	deposit	deposit	NOUN
ajfa-3023	405	2	insurance	insurance	NOUN
ajfa-3023	405	3	:	:	PUNCT
ajfa-3023	405	4	actual	actual	ADJ
ajfa-3023	405	5	and	and	CCONJ
ajfa-3023	405	6	good	good	ADJ
ajfa-3023	405	7	practices	practice	NOUN
ajfa-3023	405	8	,	,	PUNCT
ajfa-3023	405	9	occasional	occasional	ADJ
ajfa-3023	405	10	paper	paper	NOUN
ajfa-3023	405	11	,	,	PUNCT
ajfa-3023	405	12	international	international	ADJ
ajfa-3023	405	13	monetary	monetary	ADJ
ajfa-3023	405	14	fund	fund	NOUN
ajfa-3023	405	15	.	.	PUNCT
ajfa-3023	406	1	gropp	gropp	PROPN
ajfa-3023	406	2	r.	r.	PROPN
ajfa-3023	406	3	,	,	PUNCT
ajfa-3023	406	4	&	&	CCONJ
ajfa-3023	406	5	vesala	vesala	PROPN
ajfa-3023	406	6	j.	j.	PROPN
ajfa-3023	406	7	(	(	PUNCT
ajfa-3023	406	8	2001	2001	NUM
ajfa-3023	406	9	)	)	PUNCT
ajfa-3023	406	10	.	.	PUNCT
ajfa-3023	407	1	deposit	deposit	NOUN
ajfa-3023	407	2	insurance	insurance	NOUN
ajfa-3023	407	3	and	and	CCONJ
ajfa-3023	407	4	moral	moral	ADJ
ajfa-3023	407	5	hazard	hazard	NOUN
ajfa-3023	407	6	:	:	PUNCT
ajfa-3023	407	7	does	do	VERB
ajfa-3023	407	8	the	the	DET
ajfa-3023	407	9	counterfactual	counterfactual	ADJ
ajfa-3023	407	10	matter	matter	NOUN
ajfa-3023	407	11	?	?	PUNCT
ajfa-3023	407	12	,	,	PUNCT
ajfa-3023	407	13	ecb	ecb	NOUN
ajfa-3023	407	14	working	work	VERB
ajfa-3023	407	15	paper	paper	NOUN
ajfa-3023	407	16	47	47	NUM
ajfa-3023	407	17	,	,	PUNCT
ajfa-3023	407	18	european	european	PROPN
ajfa-3023	407	19	central	central	PROPN
ajfa-3023	407	20	bank	bank	PROPN
ajfa-3023	407	21	.	.	PUNCT
ajfa-3023	408	1	http://dx.doi.org/10.1093/rof/8.4.571	http://dx.doi.org/10.1093/rof/8.4.571	PROPN
ajfa-3023	408	2	gropp	gropp	PROPN
ajfa-3023	408	3	r.	r.	PROPN
ajfa-3023	408	4	,	,	PUNCT
ajfa-3023	408	5	&	&	CCONJ
ajfa-3023	408	6	vesala	vesala	PROPN
ajfa-3023	408	7	j.	j.	PROPN
ajfa-3023	408	8	(	(	PUNCT
ajfa-3023	408	9	2004	2004	NUM
ajfa-3023	408	10	)	)	PUNCT
ajfa-3023	408	11	.	.	PUNCT
ajfa-3023	409	1	deposit	deposit	NOUN
ajfa-3023	409	2	insurance	insurance	NOUN
ajfa-3023	409	3	,	,	PUNCT
ajfa-3023	409	4	moral	moral	ADJ
ajfa-3023	409	5	hazard	hazard	NOUN
ajfa-3023	409	6	and	and	CCONJ
ajfa-3023	409	7	market	market	NOUN
ajfa-3023	409	8	monitoring	monitoring	NOUN
ajfa-3023	409	9	.	.	PUNCT
ajfa-3023	410	1	review	review	NOUN
ajfa-3023	410	2	of	of	ADP
ajfa-3023	410	3	finance	finance	NOUN
ajfa-3023	410	4	,	,	PUNCT
ajfa-3023	410	5	8	8	NUM
ajfa-3023	410	6	,	,	PUNCT
ajfa-3023	410	7	571	571	NUM
ajfa-3023	410	8	-	-	SYM
ajfa-3023	410	9	602	602	NUM
ajfa-3023	410	10	.	.	PUNCT
ajfa-3023	411	1	grossman	grossman	PROPN
ajfa-3023	411	2	,	,	PUNCT
ajfa-3023	411	3	r.	r.	PROPN
ajfa-3023	411	4	(	(	PUNCT
ajfa-3023	411	5	1992	1992	NUM
ajfa-3023	411	6	)	)	PUNCT
ajfa-3023	411	7	.	.	PUNCT
ajfa-3023	412	1	deposit	deposit	NOUN
ajfa-3023	412	2	insurance	insurance	NOUN
ajfa-3023	412	3	,	,	PUNCT
ajfa-3023	412	4	regulation	regulation	NOUN
ajfa-3023	412	5	,	,	PUNCT
ajfa-3023	412	6	and	and	CCONJ
ajfa-3023	412	7	moral	moral	ADJ
ajfa-3023	412	8	hazard	hazard	NOUN
ajfa-3023	412	9	in	in	ADP
ajfa-3023	412	10	the	the	DET
ajfa-3023	412	11	thrift	thrift	NOUN
ajfa-3023	412	12	industry	industry	NOUN
ajfa-3023	412	13	:	:	PUNCT
ajfa-3023	412	14	evidence	evidence	NOUN
ajfa-3023	412	15	from	from	ADP
ajfa-3023	412	16	the	the	DET
ajfa-3023	412	17	1930	1930	NUM
ajfa-3023	412	18	's	's	PART
ajfa-3023	412	19	.	.	PUNCT
ajfa-3023	413	1	american	american	PROPN
ajfa-3023	413	2	economic	economic	PROPN
ajfa-3023	413	3	review	review	PROPN
ajfa-3023	413	4	,	,	PUNCT
ajfa-3023	413	5	82(4	82(4	NUM
ajfa-3023	413	6	)	)	PUNCT
ajfa-3023	413	7	,	,	PUNCT
ajfa-3023	413	8	800	800	NUM
ajfa-3023	413	9	-	-	SYM
ajfa-3023	413	10	821	821	NUM
ajfa-3023	413	11	.	.	PUNCT
ajfa-3023	414	1	gueyie	gueyie	NOUN
ajfa-3023	414	2	,	,	PUNCT
ajfa-3023	414	3	j.	j.	PROPN
ajfa-3023	414	4	,	,	PUNCT
ajfa-3023	414	5	&	&	CCONJ
ajfa-3023	414	6	lai	lai	PROPN
ajfa-3023	414	7	,	,	PUNCT
ajfa-3023	414	8	v.	v.	PROPN
ajfa-3023	414	9	(	(	PUNCT
ajfa-3023	414	10	2003	2003	NUM
ajfa-3023	414	11	)	)	PUNCT
ajfa-3023	414	12	.	.	PUNCT
ajfa-3023	415	1	bank	bank	NOUN
ajfa-3023	415	2	moral	moral	ADJ
ajfa-3023	415	3	hazard	hazard	NOUN
ajfa-3023	415	4	and	and	CCONJ
ajfa-3023	415	5	the	the	DET
ajfa-3023	415	6	introduction	introduction	NOUN
ajfa-3023	415	7	of	of	ADP
ajfa-3023	415	8	official	official	ADJ
ajfa-3023	415	9	deposit	deposit	NOUN
ajfa-3023	415	10	insurance	insurance	NOUN
ajfa-3023	415	11	in	in	ADP
ajfa-3023	415	12	canada	canada	PROPN
ajfa-3023	415	13	.	.	PUNCT
ajfa-3023	416	1	international	international	ADJ
ajfa-3023	416	2	review	review	NOUN
ajfa-3023	416	3	of	of	ADP
ajfa-3023	416	4	economics	economic	NOUN
ajfa-3023	416	5	and	and	CCONJ
ajfa-3023	416	6	finance	finance	NOUN
ajfa-3023	416	7	,	,	PUNCT
ajfa-3023	416	8	12	12	NUM
ajfa-3023	416	9	,	,	PUNCT
ajfa-3023	416	10	247	247	NUM
ajfa-3023	416	11	-	-	SYM
ajfa-3023	416	12	273	273	NUM
ajfa-3023	416	13	.	.	PUNCT
ajfa-3023	417	1	http://dx.doi.org/10.1016/s1059-0560(02)00106-5	http://dx.doi.org/10.1016/s1059-0560(02)00106-5	PROPN
ajfa-3023	417	2	hamada	hamada	PROPN
ajfa-3023	417	3	,	,	PUNCT
ajfa-3023	417	4	m.	m.	NOUN
ajfa-3023	417	5	(	(	PUNCT
ajfa-3023	417	6	2011	2011	NUM
ajfa-3023	417	7	)	)	PUNCT
ajfa-3023	417	8	.	.	PUNCT
ajfa-3023	418	1	market	market	NOUN
ajfa-3023	418	2	discipline	discipline	NOUN
ajfa-3023	418	3	by	by	ADP
ajfa-3023	418	4	depositors	depositor	NOUN
ajfa-3023	418	5	:	:	PUNCT
ajfa-3023	418	6	impact	impact	NOUN
ajfa-3023	418	7	of	of	ADP
ajfa-3023	418	8	deposit	deposit	NOUN
ajfa-3023	418	9	insurance	insurance	NOUN
ajfa-3023	418	10	on	on	ADP
ajfa-3023	418	11	the	the	DET
ajfa-3023	418	12	indonesian	indonesian	ADJ
ajfa-3023	418	13	banking	banking	NOUN
ajfa-3023	418	14	sector	sector	NOUN
ajfa-3023	418	15	,	,	PUNCT
ajfa-3023	418	16	ide	ide	ADJ
ajfa-3023	418	17	discussion	discussion	NOUN
ajfa-3023	418	18	paper	paper	NOUN
ajfa-3023	418	19	,	,	PUNCT
ajfa-3023	418	20	institute	institute	NOUN
ajfa-3023	418	21	of	of	ADP
ajfa-3023	418	22	developing	develop	VERB
ajfa-3023	418	23	economies	economy	NOUN
ajfa-3023	418	24	.	.	PUNCT
ajfa-3023	419	1	hannan	hannan	PROPN
ajfa-3023	419	2	,	,	PUNCT
ajfa-3023	419	3	t.	t.	PROPN
ajfa-3023	419	4	,	,	PUNCT
ajfa-3023	419	5	&	&	CCONJ
ajfa-3023	419	6	hanweck	hanweck	PROPN
ajfa-3023	419	7	,	,	PUNCT
ajfa-3023	419	8	g.	g.	PROPN
ajfa-3023	419	9	(	(	PUNCT
ajfa-3023	419	10	1988	1988	NUM
ajfa-3023	419	11	)	)	PUNCT
ajfa-3023	419	12	.	.	PUNCT
ajfa-3023	420	1	bank	bank	NOUN
ajfa-3023	420	2	insolvency	insolvency	NOUN
ajfa-3023	420	3	risk	risk	NOUN
ajfa-3023	420	4	and	and	CCONJ
ajfa-3023	420	5	the	the	DET
ajfa-3023	420	6	market	market	NOUN
ajfa-3023	420	7	for	for	ADP
ajfa-3023	420	8	large	large	ADJ
ajfa-3023	420	9	certificates	certificate	NOUN
ajfa-3023	420	10	of	of	ADP
ajfa-3023	420	11	deposit	deposit	NOUN
ajfa-3023	420	12	.	.	PUNCT
ajfa-3023	421	1	journal	journal	NOUN
ajfa-3023	421	2	of	of	ADP
ajfa-3023	421	3	money	money	NOUN
ajfa-3023	421	4	,	,	PUNCT
ajfa-3023	421	5	credit	credit	NOUN
ajfa-3023	421	6	and	and	CCONJ
ajfa-3023	421	7	banking	banking	NOUN
ajfa-3023	421	8	,	,	PUNCT
ajfa-3023	421	9	20(2	20(2	NUM
ajfa-3023	421	10	)	)	PUNCT
ajfa-3023	421	11	,	,	PUNCT
ajfa-3023	421	12	203	203	NUM
ajfa-3023	421	13	-	-	SYM
ajfa-3023	421	14	211	211	NUM
ajfa-3023	421	15	.	.	PUNCT
ajfa-3023	422	1	http://dx.doi.org/10.2307/1992111	http://dx.doi.org/10.2307/1992111	PROPN
ajfa-3023	422	2	hoggarth	hoggarth	PROPN
ajfa-3023	422	3	,	,	PUNCT
ajfa-3023	422	4	g.	g.	PROPN
ajfa-3023	422	5	,	,	PUNCT
ajfa-3023	422	6	reidhill	reidhill	NOUN
ajfa-3023	422	7	,	,	PUNCT
ajfa-3023	422	8	j.	j.	PROPN
ajfa-3023	422	9	,	,	PUNCT
ajfa-3023	422	10	&	&	CCONJ
ajfa-3023	422	11	sinclair	sinclair	PROPN
ajfa-3023	422	12	,	,	PUNCT
ajfa-3023	422	13	p.	p.	NOUN
ajfa-3023	422	14	(	(	PUNCT
ajfa-3023	422	15	2004	2004	NUM
ajfa-3023	422	16	)	)	PUNCT
ajfa-3023	422	17	.	.	PUNCT
ajfa-3023	423	1	on	on	ADP
ajfa-3023	423	2	the	the	DET
ajfa-3023	423	3	resolution	resolution	NOUN
ajfa-3023	423	4	of	of	ADP
ajfa-3023	423	5	banking	banking	NOUN
ajfa-3023	423	6	crises	crisis	NOUN
ajfa-3023	423	7	:	:	PUNCT
ajfa-3023	423	8	theory	theory	NOUN
ajfa-3023	423	9	and	and	CCONJ
ajfa-3023	423	10	evidence	evidence	NOUN
ajfa-3023	423	11	,	,	PUNCT
ajfa-3023	423	12	bank	bank	PROPN
ajfa-3023	423	13	of	of	ADP
ajfa-3023	423	14	england	england	PROPN
ajfa-3023	423	15	working	working	PROPN
ajfa-3023	423	16	papers	paper	NOUN
ajfa-3023	423	17	229	229	NUM
ajfa-3023	423	18	,	,	PUNCT
ajfa-3023	423	19	bank	bank	NOUN
ajfa-3023	423	20	of	of	ADP
ajfa-3023	423	21	england	england	PROPN
ajfa-3023	423	22	.	.	PUNCT
ajfa-3023	424	1	hovakimian	hovakimian	PROPN
ajfa-3023	424	2	,	,	PUNCT
ajfa-3023	424	3	p.	p.	PROPN
ajfa-3023	424	4	,	,	PUNCT
ajfa-3023	424	5	kane	kane	PROPN
ajfa-3023	424	6	e.j	e.j	PROPN
ajfa-3023	424	7	.	.	PROPN
ajfa-3023	424	8	,	,	PUNCT
ajfa-3023	424	9	&	&	CCONJ
ajfa-3023	424	10	laeven	laeven	ADJ
ajfa-3023	424	11	l.	l.	PROPN
ajfa-3023	424	12	(	(	PUNCT
ajfa-3023	424	13	2003	2003	NUM
ajfa-3023	424	14	)	)	PUNCT
ajfa-3023	424	15	.	.	PUNCT
ajfa-3023	425	1	how	how	SCONJ
ajfa-3023	425	2	country	country	NOUN
ajfa-3023	425	3	and	and	CCONJ
ajfa-3023	425	4	safety	safety	NOUN
ajfa-3023	425	5	-	-	PUNCT
ajfa-3023	425	6	net	net	NOUN
ajfa-3023	425	7	characteristics	characteristic	NOUN
ajfa-3023	425	8	affect	affect	VERB
ajfa-3023	425	9	bank	bank	NOUN
ajfa-3023	425	10	risk	risk	NOUN
ajfa-3023	425	11	-	-	PUNCT
ajfa-3023	425	12	shifting	shift	VERB
ajfa-3023	425	13	.	.	PUNCT
ajfa-3023	426	1	journal	journal	NOUN
ajfa-3023	426	2	of	of	ADP
ajfa-3023	426	3	financial	financial	ADJ
ajfa-3023	426	4	research	research	NOUN
ajfa-3023	426	5	,	,	PUNCT
ajfa-3023	426	6	23(3	23(3	NUM
ajfa-3023	426	7	)	)	PUNCT
ajfa-3023	426	8	,	,	PUNCT
ajfa-3023	426	9	177	177	NUM
ajfa-3023	426	10	-	-	SYM
ajfa-3023	426	11	204	204	NUM
ajfa-3023	426	12	.	.	PUNCT
ajfa-3023	427	1	http://dx.doi.org/10.1023/a:1024699811875	http://dx.doi.org/10.1023/a:1024699811875	NOUN
ajfa-3023	427	2	ioannidou	ioannidou	NOUN
ajfa-3023	427	3	,	,	PUNCT
ajfa-3023	427	4	v.	v.	PROPN
ajfa-3023	427	5	,	,	PUNCT
ajfa-3023	427	6	&	&	CCONJ
ajfa-3023	427	7	penas	penas	PROPN
ajfa-3023	427	8	,	,	PUNCT
ajfa-3023	427	9	m.	m.	NOUN
ajfa-3023	427	10	(	(	PUNCT
ajfa-3023	427	11	2010	2010	NUM
ajfa-3023	427	12	)	)	PUNCT
ajfa-3023	427	13	.	.	PUNCT
ajfa-3023	428	1	deposit	deposit	NOUN
ajfa-3023	428	2	insurance	insurance	NOUN
ajfa-3023	428	3	and	and	CCONJ
ajfa-3023	428	4	bank	bank	NOUN
ajfa-3023	428	5	risk	risk	NOUN
ajfa-3023	428	6	-	-	PUNCT
ajfa-3023	428	7	taking	taking	NOUN
ajfa-3023	428	8	:	:	PUNCT
ajfa-3023	428	9	evidence	evidence	NOUN
ajfa-3023	428	10	from	from	ADP
ajfa-3023	428	11	internal	internal	ADJ
ajfa-3023	428	12	loan	loan	NOUN
ajfa-3023	428	13	ratings	rating	NOUN
ajfa-3023	428	14	.	.	PUNCT
ajfa-3023	429	1	journal	journal	NOUN
ajfa-3023	429	2	of	of	ADP
ajfa-3023	429	3	financial	financial	ADJ
ajfa-3023	429	4	intermediation	intermediation	NOUN
ajfa-3023	429	5	,	,	PUNCT
ajfa-3023	429	6	19(1	19(1	NUM
ajfa-3023	429	7	)	)	PUNCT
ajfa-3023	429	8	,	,	PUNCT
ajfa-3023	429	9	95	95	NUM
ajfa-3023	429	10	-	-	SYM
ajfa-3023	429	11	115	115	NUM
ajfa-3023	429	12	.	.	PUNCT
ajfa-3023	430	1	http://dx.doi.org/10.1016/j.jfi.2009.01.002	http://dx.doi.org/10.1016/j.jfi.2009.01.002	PROPN
ajfa-3023	431	1	kareken	kareken	PROPN
ajfa-3023	431	2	,	,	PUNCT
ajfa-3023	431	3	j.	j.	PROPN
ajfa-3023	431	4	,	,	PUNCT
ajfa-3023	431	5	&	&	CCONJ
ajfa-3023	431	6	wallace	wallace	PROPN
ajfa-3023	431	7	,	,	PUNCT
ajfa-3023	431	8	n.	n.	NOUN
ajfa-3023	431	9	(	(	PUNCT
ajfa-3023	431	10	1978	1978	NUM
ajfa-3023	431	11	)	)	PUNCT
ajfa-3023	431	12	.	.	PUNCT
ajfa-3023	432	1	deposit	deposit	NOUN
ajfa-3023	432	2	insurance	insurance	NOUN
ajfa-3023	432	3	and	and	CCONJ
ajfa-3023	432	4	bank	bank	NOUN
ajfa-3023	432	5	regulation	regulation	NOUN
ajfa-3023	432	6	:	:	PUNCT
ajfa-3023	432	7	a	a	DET
ajfa-3023	432	8	partial	partial	ADJ
ajfa-3023	432	9	equilibrium	equilibrium	NOUN
ajfa-3023	432	10	exposition	exposition	NOUN
ajfa-3023	432	11	.	.	PUNCT
ajfa-3023	433	1	journal	journal	PROPN
ajfa-3023	433	2	of	of	ADP
ajfa-3023	433	3	business	business	NOUN
ajfa-3023	433	4	,	,	PUNCT
ajfa-3023	433	5	51	51	NUM
ajfa-3023	433	6	,	,	PUNCT
ajfa-3023	433	7	413	413	NUM
ajfa-3023	433	8	-	-	SYM
ajfa-3023	433	9	38	38	NUM
ajfa-3023	433	10	.	.	PUNCT
ajfa-3023	434	1	http://dx.doi.org/10.1086/296006	http://dx.doi.org/10.1086/296006	PROPN
ajfa-3023	434	2	karels	karels	PROPN
ajfa-3023	434	3	,	,	PUNCT
ajfa-3023	434	4	g.	g.	PROPN
ajfa-3023	434	5	,	,	PUNCT
ajfa-3023	434	6	&	&	CCONJ
ajfa-3023	434	7	mcclatchey	mcclatchey	PROPN
ajfa-3023	434	8	,	,	PUNCT
ajfa-3023	434	9	c.	c.	PROPN
ajfa-3023	434	10	(	(	PUNCT
ajfa-3023	434	11	1999	1999	NUM
ajfa-3023	434	12	)	)	PUNCT
ajfa-3023	434	13	.	.	PUNCT
ajfa-3023	435	1	deposit	deposit	NOUN
ajfa-3023	435	2	insurance	insurance	NOUN
ajfa-3023	435	3	and	and	CCONJ
ajfa-3023	435	4	risk	risk	NOUN
ajfa-3023	435	5	-	-	PUNCT
ajfa-3023	435	6	taking	take	VERB
ajfa-3023	435	7	behaviour	behaviour	NOUN
ajfa-3023	435	8	in	in	ADP
ajfa-3023	435	9	the	the	DET
ajfa-3023	435	10	credit	credit	NOUN
ajfa-3023	435	11	union	union	NOUN
ajfa-3023	435	12	industry	industry	NOUN
ajfa-3023	435	13	.	.	PUNCT
ajfa-3023	436	1	journal	journal	PROPN
ajfa-3023	436	2	of	of	ADP
ajfa-3023	436	3	banking	banking	NOUN
ajfa-3023	436	4	and	and	CCONJ
ajfa-3023	436	5	finance	finance	NOUN
ajfa-3023	436	6	,	,	PUNCT
ajfa-3023	436	7	23	23	NUM
ajfa-3023	436	8	,	,	PUNCT
ajfa-3023	436	9	105	105	NUM
ajfa-3023	436	10	-	-	SYM
ajfa-3023	436	11	134	134	NUM
ajfa-3023	436	12	.	.	PUNCT
ajfa-3023	437	1	http://dx.doi.org/10.1016/s0378-4266(98)00074-0	http://dx.doi.org/10.1016/s0378-4266(98)00074-0	VERB
ajfa-3023	437	2	kaufmann	kaufmann	PROPN
ajfa-3023	437	3	,	,	PUNCT
ajfa-3023	437	4	d.	d.	PROPN
ajfa-3023	437	5	,	,	PUNCT
ajfa-3023	437	6	kraay	kraay	PROPN
ajfa-3023	437	7	,	,	PUNCT
ajfa-3023	437	8	a.	a.	NOUN
ajfa-3023	437	9	,	,	PUNCT
ajfa-3023	437	10	&	&	CCONJ
ajfa-3023	437	11	mastruzzi	mastruzzi	PROPN
ajfa-3023	437	12	,	,	PUNCT
ajfa-3023	437	13	m.	m.	NOUN
ajfa-3023	437	14	(	(	PUNCT
ajfa-3023	437	15	2010	2010	NUM
ajfa-3023	437	16	)	)	PUNCT
ajfa-3023	437	17	.	.	PUNCT
ajfa-3023	438	1	the	the	DET
ajfa-3023	438	2	worldwide	worldwide	ADJ
ajfa-3023	438	3	governance	governance	NOUN
ajfa-3023	438	4	indicators	indicator	NOUN
ajfa-3023	438	5	methodology	methodology	NOUN
ajfa-3023	438	6	and	and	CCONJ
ajfa-3023	438	7	analytical	analytical	ADJ
ajfa-3023	438	8	issues	issue	NOUN
ajfa-3023	438	9	,	,	PUNCT
ajfa-3023	438	10	policy	policy	NOUN
ajfa-3023	438	11	research	research	NOUN
ajfa-3023	438	12	working	working	NOUN
ajfa-3023	438	13	paper	paper	PROPN
ajfa-3023	438	14	5430	5430	NUM
ajfa-3023	438	15	,	,	PUNCT
ajfa-3023	438	16	the	the	DET
ajfa-3023	438	17	world	world	PROPN
ajfa-3023	438	18	bank	bank	PROPN
ajfa-3023	438	19	laeven	laeven	VERB
ajfa-3023	438	20	,	,	PUNCT
ajfa-3023	438	21	l.	l.	PROPN
ajfa-3023	438	22	(	(	PUNCT
ajfa-3023	438	23	1999	1999	NUM
ajfa-3023	438	24	)	)	PUNCT
ajfa-3023	438	25	.	.	PUNCT
ajfa-3023	439	1	risk	risk	NOUN
ajfa-3023	439	2	and	and	CCONJ
ajfa-3023	439	3	efficiency	efficiency	NOUN
ajfa-3023	439	4	in	in	ADP
ajfa-3023	439	5	east	east	ADJ
ajfa-3023	439	6	asian	asian	ADJ
ajfa-3023	439	7	banks	bank	NOUN
ajfa-3023	439	8	,	,	PUNCT
ajfa-3023	439	9	policy	policy	NOUN
ajfa-3023	439	10	research	research	NOUN
ajfa-3023	439	11	working	working	NOUN
ajfa-3023	439	12	paper	paper	NOUN
ajfa-3023	439	13	series	series	NOUN
ajfa-3023	439	14	2255	2255	NUM
ajfa-3023	439	15	,	,	PUNCT
ajfa-3023	439	16	the	the	DET
ajfa-3023	439	17	world	world	PROPN
ajfa-3023	439	18	bank	bank	PROPN
ajfa-3023	439	19	.	.	PUNCT
ajfa-3023	440	1	asian	asian	ADJ
ajfa-3023	440	2	journal	journal	PROPN
ajfa-3023	440	3	of	of	ADP
ajfa-3023	440	4	finance	finance	PROPN
ajfa-3023	440	5	&	&	CCONJ
ajfa-3023	440	6	accounting	accounting	PROPN
ajfa-3023	440	7	issn	issn	PROPN
ajfa-3023	440	8	1946	1946	NUM
ajfa-3023	440	9	-	-	PUNCT
ajfa-3023	440	10	052x	052x	NOUN
ajfa-3023	440	11	2013	2013	NUM
ajfa-3023	440	12	,	,	PUNCT
ajfa-3023	440	13	vol	vol	NOUN
ajfa-3023	440	14	.	.	PROPN
ajfa-3023	440	15	5	5	NUM
ajfa-3023	440	16	,	,	PUNCT
ajfa-3023	440	17	no	no	INTJ
ajfa-3023	440	18	.	.	NOUN
ajfa-3023	440	19	1	1	NUM
ajfa-3023	440	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-3023	440	21	126	126	NUM
ajfa-3023	440	22	laeven	laeven	ADJ
ajfa-3023	440	23	,	,	PUNCT
ajfa-3023	440	24	l.	l.	PROPN
ajfa-3023	440	25	(	(	PUNCT
ajfa-3023	440	26	2002	2002	NUM
ajfa-3023	440	27	)	)	PUNCT
ajfa-3023	440	28	.	.	PUNCT
ajfa-3023	441	1	bank	bank	NOUN
ajfa-3023	441	2	risk	risk	NOUN
ajfa-3023	441	3	and	and	CCONJ
ajfa-3023	441	4	deposit	deposit	NOUN
ajfa-3023	441	5	insurance	insurance	NOUN
ajfa-3023	441	6	.	.	PUNCT
ajfa-3023	442	1	world	world	PROPN
ajfa-3023	442	2	bank	bank	PROPN
ajfa-3023	442	3	economic	economic	PROPN
ajfa-3023	442	4	review	review	PROPN
ajfa-3023	442	5	,	,	PUNCT
ajfa-3023	442	6	16	16	NUM
ajfa-3023	442	7	,	,	PUNCT
ajfa-3023	442	8	109	109	NUM
ajfa-3023	442	9	-	-	SYM
ajfa-3023	442	10	137	137	NUM
ajfa-3023	442	11	.	.	PUNCT
ajfa-3023	443	1	http://dx.doi.org/10.1093/wber/16.1.109	http://dx.doi.org/10.1093/wber/16.1.109	PROPN
ajfa-3023	443	2	laeven	laeven	ADJ
ajfa-3023	443	3	,	,	PUNCT
ajfa-3023	443	4	l.	l.	PROPN
ajfa-3023	443	5	(	(	PUNCT
ajfa-3023	443	6	2002	2002	NUM
ajfa-3023	443	7	)	)	PUNCT
ajfa-3023	443	8	.	.	PUNCT
ajfa-3023	444	1	international	international	ADJ
ajfa-3023	444	2	evidence	evidence	NOUN
ajfa-3023	444	3	on	on	ADP
ajfa-3023	444	4	the	the	DET
ajfa-3023	444	5	value	value	NOUN
ajfa-3023	444	6	of	of	ADP
ajfa-3023	444	7	deposit	deposit	NOUN
ajfa-3023	444	8	insurance	insurance	NOUN
ajfa-3023	444	9	.	.	PUNCT
ajfa-3023	445	1	the	the	DET
ajfa-3023	445	2	quarterly	quarterly	ADJ
ajfa-3023	445	3	review	review	NOUN
ajfa-3023	445	4	of	of	ADP
ajfa-3023	445	5	economics	economic	NOUN
ajfa-3023	445	6	and	and	CCONJ
ajfa-3023	445	7	finance	finance	NOUN
ajfa-3023	445	8	,	,	PUNCT
ajfa-3023	445	9	42	42	NUM
ajfa-3023	445	10	,	,	PUNCT
ajfa-3023	445	11	721–732	721–732	NUM
ajfa-3023	445	12	.	.	PUNCT
ajfa-3023	446	1	http://dx.doi.org/10.1016/s1062-9769(02)00123-0	http://dx.doi.org/10.1016/s1062-9769(02)00123-0	NOUN
ajfa-3023	446	2	malaysia	malaysia	PROPN
ajfa-3023	446	3	deposit	deposit	NOUN
ajfa-3023	446	4	insurance	insurance	NOUN
ajfa-3023	446	5	corporation	corporation	NOUN
ajfa-3023	446	6	(	(	PUNCT
ajfa-3023	446	7	pidm	pidm	NOUN
ajfa-3023	446	8	)	)	PUNCT
ajfa-3023	446	9	(	(	PUNCT
ajfa-3023	446	10	2011	2011	NUM
ajfa-3023	446	11	)	)	PUNCT
ajfa-3023	446	12	.	.	PUNCT
ajfa-3023	447	1	planning	plan	VERB
ajfa-3023	447	2	for	for	ADP
ajfa-3023	447	3	a	a	DET
ajfa-3023	447	4	seamless	seamless	ADJ
ajfa-3023	447	5	transition	transition	NOUN
ajfa-3023	447	6	from	from	ADP
ajfa-3023	447	7	the	the	DET
ajfa-3023	447	8	government	government	NOUN
ajfa-3023	447	9	deposit	deposit	NOUN
ajfa-3023	447	10	guarantee	guarantee	VERB
ajfa-3023	447	11	malaysia	malaysia	PROPN
ajfa-3023	447	12	’s	’s	PART
ajfa-3023	447	13	approach	approach	NOUN
ajfa-3023	447	14	,	,	PUNCT
ajfa-3023	447	15	enhancing	enhance	VERB
ajfa-3023	447	16	financial	financial	ADJ
ajfa-3023	447	17	policy	policy	NOUN
ajfa-3023	447	18	and	and	CCONJ
ajfa-3023	447	19	regulatory	regulatory	ADJ
ajfa-3023	447	20	co	co	NOUN
ajfa-3023	447	21	-	-	NOUN
ajfa-3023	447	22	operation	operation	NOUN
ajfa-3023	447	23	responses	response	NOUN
ajfa-3023	447	24	to	to	ADP
ajfa-3023	447	25	the	the	DET
ajfa-3023	447	26	global	global	ADJ
ajfa-3023	447	27	financial	financial	ADJ
ajfa-3023	447	28	crisis	crisis	NOUN
ajfa-3023	447	29	,	,	PUNCT
ajfa-3023	447	30	melbourne	melbourne	PROPN
ajfa-3023	447	31	,	,	PUNCT
ajfa-3023	447	32	australia	australia	PROPN
ajfa-3023	447	33	.	.	PUNCT
ajfa-3023	448	1	marks	marks	PROPN
ajfa-3023	448	2	,	,	PUNCT
ajfa-3023	448	3	c.	c.	PROPN
ajfa-3023	448	4	&	&	CCONJ
ajfa-3023	448	5	yao	yao	PROPN
ajfa-3023	448	6	,	,	PUNCT
ajfa-3023	448	7	w.	w.	PROPN
ajfa-3023	448	8	(	(	PUNCT
ajfa-3023	448	9	2008	2008	NUM
ajfa-3023	448	10	)	)	PUNCT
ajfa-3023	448	11	.	.	PUNCT
ajfa-3023	449	1	recent	recent	ADJ
ajfa-3023	449	2	developments	development	NOUN
ajfa-3023	449	3	in	in	ADP
ajfa-3023	449	4	asian	asian	ADJ
ajfa-3023	449	5	deposit	deposit	NOUN
ajfa-3023	449	6	guarantee	guarantee	NOUN
ajfa-3023	449	7	programs	program	NOUN
ajfa-3023	449	8	,	,	PUNCT
ajfa-3023	449	9	cau	cau	PROPN
ajfa-3023	449	10	–	–	PUNCT
ajfa-3023	449	11	asia	asia	PROPN
ajfa-3023	449	12	focus	focus	NOUN
ajfa-3023	449	13	,	,	PUNCT
ajfa-3023	449	14	federal	federal	PROPN
ajfa-3023	449	15	reserve	reserve	PROPN
ajfa-3023	449	16	bank	bank	PROPN
ajfa-3023	449	17	of	of	ADP
ajfa-3023	449	18	san	san	PROPN
ajfa-3023	449	19	francisco	francisco	PROPN
ajfa-3023	449	20	.	.	PUNCT
ajfa-3023	450	1	martin	martin	PROPN
ajfa-3023	450	2	,	,	PUNCT
ajfa-3023	450	3	a.	a.	PROPN
ajfa-3023	450	4	,	,	PUNCT
ajfa-3023	450	5	(	(	PUNCT
ajfa-3023	450	6	2006	2006	NUM
ajfa-3023	450	7	)	)	PUNCT
ajfa-3023	450	8	.	.	PUNCT
ajfa-3023	451	1	liquidity	liquidity	NOUN
ajfa-3023	451	2	provision	provision	NOUN
ajfa-3023	451	3	vs.	vs.	ADP
ajfa-3023	451	4	deposit	deposit	NOUN
ajfa-3023	451	5	insurance	insurance	NOUN
ajfa-3023	451	6	:	:	PUNCT
ajfa-3023	451	7	preventing	prevent	VERB
ajfa-3023	451	8	bank	bank	NOUN
ajfa-3023	451	9	panics	panic	NOUN
ajfa-3023	451	10	without	without	ADP
ajfa-3023	451	11	moral	moral	ADJ
ajfa-3023	451	12	hazard	hazard	NOUN
ajfa-3023	451	13	,	,	PUNCT
ajfa-3023	451	14	economic	economic	ADJ
ajfa-3023	451	15	theory	theory	NOUN
ajfa-3023	451	16	,	,	PUNCT
ajfa-3023	451	17	28(1	28(1	NOUN
ajfa-3023	451	18	)	)	PUNCT
ajfa-3023	451	19	,	,	PUNCT
ajfa-3023	451	20	197	197	NUM
ajfa-3023	451	21	-	-	SYM
ajfa-3023	451	22	211	211	NUM
ajfa-3023	451	23	.	.	PUNCT
ajfa-3023	452	1	http://dx.doi.org/10.1007/s00199-005-0613-x	http://dx.doi.org/10.1007/s00199-005-0613-x	PROPN
ajfa-3023	452	2	morrison	morrison	PROPN
ajfa-3023	452	3	,	,	PUNCT
ajfa-3023	452	4	a.	a.	PROPN
ajfa-3023	452	5	,	,	PUNCT
ajfa-3023	452	6	&	&	CCONJ
ajfa-3023	452	7	white	white	PROPN
ajfa-3023	452	8	,	,	PUNCT
ajfa-3023	452	9	l.	l.	PROPN
ajfa-3023	452	10	(	(	PUNCT
ajfa-3023	452	11	2006	2006	NUM
ajfa-3023	452	12	)	)	PUNCT
ajfa-3023	452	13	.	.	PUNCT
ajfa-3023	452	14	is	be	AUX
ajfa-3023	452	15	deposit	deposit	NOUN
ajfa-3023	452	16	insurance	insurance	NOUN
ajfa-3023	452	17	a	a	DET
ajfa-3023	452	18	good	good	ADJ
ajfa-3023	452	19	thing	thing	NOUN
ajfa-3023	452	20	,	,	PUNCT
ajfa-3023	452	21	and	and	CCONJ
ajfa-3023	452	22	if	if	SCONJ
ajfa-3023	452	23	so	so	ADV
ajfa-3023	452	24	,	,	PUNCT
ajfa-3023	452	25	who	who	PRON
ajfa-3023	452	26	should	should	AUX
ajfa-3023	452	27	pay	pay	VERB
ajfa-3023	452	28	for	for	ADP
ajfa-3023	452	29	it	it	PRON
ajfa-3023	452	30	?	?	PUNCT
ajfa-3023	452	31	,	,	PUNCT
ajfa-3023	453	1	oxford	oxford	PROPN
ajfa-3023	453	2	financial	financial	ADJ
ajfa-3023	453	3	research	research	NOUN
ajfa-3023	453	4	centre	centre	NOUN
ajfa-3023	453	5	working	working	NOUN
ajfa-3023	453	6	paper	paper	NOUN
ajfa-3023	453	7	no	no	INTJ
ajfa-3023	453	8	.	.	PUNCT
ajfa-3023	454	1	2004	2004	NUM
ajfa-3023	454	2	-	-	NOUN
ajfa-3023	454	3	fe-08	fe-08	NOUN
ajfa-3023	454	4	;	;	PUNCT
ajfa-3023	454	5	efa	efa	PROPN
ajfa-3023	454	6	2006	2006	NUM
ajfa-3023	454	7	zurich	zurich	PROPN
ajfa-3023	454	8	meetings	meeting	NOUN
ajfa-3023	454	9	.	.	PUNCT
ajfa-3023	455	1	pennacchi	pennacchi	PROPN
ajfa-3023	455	2	,	,	PUNCT
ajfa-3023	455	3	g.	g.	PROPN
ajfa-3023	455	4	(	(	PUNCT
ajfa-3023	455	5	2002	2002	NUM
ajfa-3023	455	6	)	)	PUNCT
ajfa-3023	455	7	.	.	PUNCT
ajfa-3023	456	1	bank	bank	NOUN
ajfa-3023	456	2	deposit	deposit	NOUN
ajfa-3023	456	3	insurance	insurance	NOUN
ajfa-3023	456	4	and	and	CCONJ
ajfa-3023	456	5	business	business	NOUN
ajfa-3023	456	6	cycles	cycle	NOUN
ajfa-3023	456	7	:	:	PUNCT
ajfa-3023	456	8	controlling	control	VERB
ajfa-3023	456	9	the	the	DET
ajfa-3023	456	10	volatility	volatility	NOUN
ajfa-3023	456	11	of	of	ADP
ajfa-3023	456	12	risk	risk	NOUN
ajfa-3023	456	13	-	-	PUNCT
ajfa-3023	456	14	based	base	VERB
ajfa-3023	456	15	premiums	premium	NOUN
ajfa-3023	456	16	,	,	PUNCT
ajfa-3023	456	17	conference	conference	NOUN
ajfa-3023	456	18	series	series	NOUN
ajfa-3023	456	19	,	,	PUNCT
ajfa-3023	456	20	federal	federal	PROPN
ajfa-3023	456	21	reserve	reserve	PROPN
ajfa-3023	456	22	bank	bank	PROPN
ajfa-3023	456	23	of	of	ADP
ajfa-3023	456	24	boston	boston	PROPN
ajfa-3023	456	25	rolnick	rolnick	PROPN
ajfa-3023	456	26	,	,	PUNCT
ajfa-3023	456	27	a.	a.	NOUN
ajfa-3023	456	28	(	(	PUNCT
ajfa-3023	456	29	1993	1993	NUM
ajfa-3023	456	30	)	)	PUNCT
ajfa-3023	456	31	.	.	PUNCT
ajfa-3023	457	1	market	market	NOUN
ajfa-3023	457	2	discipline	discipline	NOUN
ajfa-3023	457	3	as	as	ADP
ajfa-3023	457	4	a	a	DET
ajfa-3023	457	5	regulator	regulator	NOUN
ajfa-3023	457	6	of	of	ADP
ajfa-3023	457	7	bank	bank	NOUN
ajfa-3023	457	8	risk	risk	NOUN
ajfa-3023	457	9	.	.	PUNCT
ajfa-3023	458	1	in	in	ADP
ajfa-3023	458	2	:	:	PUNCT
ajfa-3023	458	3	safeguarding	safeguard	VERB
ajfa-3023	458	4	the	the	DET
ajfa-3023	458	5	banking	banking	NOUN
ajfa-3023	458	6	system	system	NOUN
ajfa-3023	458	7	in	in	ADP
ajfa-3023	458	8	an	an	DET
ajfa-3023	458	9	environment	environment	NOUN
ajfa-3023	458	10	of	of	ADP
ajfa-3023	458	11	financial	financial	ADJ
ajfa-3023	458	12	cycles	cycle	NOUN
ajfa-3023	458	13	(	(	PUNCT
ajfa-3023	458	14	ed	ed	NOUN
ajfa-3023	458	15	.	.	PUNCT
ajfa-3023	458	16	randall	randall	PROPN
ajfa-3023	458	17	,	,	PUNCT
ajfa-3023	458	18	r.	r.	PROPN
ajfa-3023	458	19	)	)	PUNCT
ajfa-3023	458	20	,	,	PUNCT
ajfa-3023	458	21	federal	federal	PROPN
ajfa-3023	458	22	reserve	reserve	PROPN
ajfa-3023	458	23	bank	bank	PROPN
ajfa-3023	458	24	of	of	ADP
ajfa-3023	458	25	boston	boston	PROPN
ajfa-3023	458	26	,	,	PUNCT
ajfa-3023	458	27	boston	boston	PROPN
ajfa-3023	458	28	.	.	PUNCT
ajfa-3023	459	1	roy	roy	PROPN
ajfa-3023	459	2	,	,	PUNCT
ajfa-3023	459	3	a.	a.	NOUN
ajfa-3023	459	4	(	(	PUNCT
ajfa-3023	459	5	1952	1952	NUM
ajfa-3023	459	6	)	)	PUNCT
ajfa-3023	459	7	.	.	PUNCT
ajfa-3023	460	1	safety	safety	NOUN
ajfa-3023	460	2	first	first	ADV
ajfa-3023	460	3	and	and	CCONJ
ajfa-3023	460	4	the	the	DET
ajfa-3023	460	5	holding	holding	NOUN
ajfa-3023	460	6	of	of	ADP
ajfa-3023	460	7	assets	asset	NOUN
ajfa-3023	460	8	,	,	PUNCT
ajfa-3023	460	9	econometrica	econometrica	PROPN
ajfa-3023	460	10	,	,	PUNCT
ajfa-3023	460	11	20(3	20(3	NOUN
ajfa-3023	460	12	)	)	PUNCT
ajfa-3023	460	13	,	,	PUNCT
ajfa-3023	460	14	431	431	NUM
ajfa-3023	460	15	-	-	SYM
ajfa-3023	460	16	449	449	NUM
ajfa-3023	460	17	.	.	PUNCT
ajfa-3023	461	1	http://dx.doi.org/10.2307/1907413	http://dx.doi.org/10.2307/1907413	PROPN
ajfa-3023	461	2	smith	smith	PROPN
ajfa-3023	461	3	,	,	PUNCT
ajfa-3023	461	4	r.	r.	PROPN
ajfa-3023	461	5	,	,	PUNCT
ajfa-3023	461	6	staikouras	staikoura	NOUN
ajfa-3023	461	7	,	,	PUNCT
ajfa-3023	461	8	c.	c.	PROPN
ajfa-3023	461	9	,	,	PUNCT
ajfa-3023	461	10	&	&	CCONJ
ajfa-3023	461	11	wood	wood	PROPN
ajfa-3023	461	12	,	,	PUNCT
ajfa-3023	461	13	g.	g.	PROPN
ajfa-3023	461	14	(	(	PUNCT
ajfa-3023	461	15	2003	2003	NUM
ajfa-3023	461	16	)	)	PUNCT
ajfa-3023	461	17	.	.	PUNCT
ajfa-3023	462	1	non	non	ADJ
ajfa-3023	462	2	-	-	ADJ
ajfa-3023	462	3	interest	interest	ADJ
ajfa-3023	462	4	income	income	NOUN
ajfa-3023	462	5	and	and	CCONJ
ajfa-3023	462	6	total	total	ADJ
ajfa-3023	462	7	income	income	NOUN
ajfa-3023	462	8	stability	stability	NOUN
ajfa-3023	462	9	,	,	PUNCT
ajfa-3023	462	10	bank	bank	PROPN
ajfa-3023	462	11	of	of	ADP
ajfa-3023	462	12	england	england	PROPN
ajfa-3023	462	13	working	working	PROPN
ajfa-3023	462	14	paper	paper	PROPN
ajfa-3023	462	15	198	198	NUM
ajfa-3023	462	16	,	,	PUNCT
ajfa-3023	462	17	cass	cass	PROPN
ajfa-3023	462	18	business	business	PROPN
ajfa-3023	462	19	school	school	PROPN
ajfa-3023	462	20	research	research	NOUN
ajfa-3023	462	21	paper	paper	NOUN
ajfa-3023	462	22	.	.	PUNCT
ajfa-3023	463	1	thies	thie	NOUN
ajfa-3023	463	2	,	,	PUNCT
ajfa-3023	463	3	c.	c.	PROPN
ajfa-3023	463	4	,	,	PUNCT
ajfa-3023	463	5	&	&	CCONJ
ajfa-3023	463	6	gerlowski	gerlowski	PROPN
ajfa-3023	463	7	,	,	PUNCT
ajfa-3023	463	8	d.	d.	PROPN
ajfa-3023	463	9	(	(	PUNCT
ajfa-3023	463	10	1998	1998	NUM
ajfa-3023	463	11	)	)	PUNCT
ajfa-3023	463	12	.	.	PUNCT
ajfa-3023	464	1	deposit	deposit	NOUN
ajfa-3023	464	2	insurance	insurance	NOUN
ajfa-3023	464	3	:	:	PUNCT
ajfa-3023	464	4	a	a	DET
ajfa-3023	464	5	history	history	NOUN
ajfa-3023	464	6	of	of	ADP
ajfa-3023	464	7	failure	failure	NOUN
ajfa-3023	464	8	,	,	PUNCT
ajfa-3023	464	9	cato	cato	PROPN
ajfa-3023	464	10	journal	journal	PROPN
ajfa-3023	464	11	,	,	PUNCT
ajfa-3023	464	12	8	8	NUM
ajfa-3023	464	13	,	,	PUNCT
ajfa-3023	464	14	677	677	NUM
ajfa-3023	464	15	-	-	SYM
ajfa-3023	464	16	693	693	NUM
ajfa-3023	464	17	.	.	PUNCT
ajfa-3023	465	1	wheelock	wheelock	PROPN
ajfa-3023	465	2	,	,	PUNCT
ajfa-3023	465	3	d.	d.	PROPN
ajfa-3023	465	4	(	(	PUNCT
ajfa-3023	465	5	1992	1992	NUM
ajfa-3023	465	6	)	)	PUNCT
ajfa-3023	465	7	.	.	PUNCT
ajfa-3023	466	1	deposit	deposit	NOUN
ajfa-3023	466	2	insurance	insurance	NOUN
ajfa-3023	466	3	and	and	CCONJ
ajfa-3023	466	4	bank	bank	NOUN
ajfa-3023	466	5	failures	failure	NOUN
ajfa-3023	466	6	:	:	PUNCT
ajfa-3023	466	7	new	new	ADJ
ajfa-3023	466	8	evidence	evidence	NOUN
ajfa-3023	466	9	from	from	ADP
ajfa-3023	466	10	1920	1920	NUM
ajfa-3023	466	11	’s	’s	PART
ajfa-3023	466	12	.	.	PUNCT
ajfa-3023	467	1	economy	economy	NOUN
ajfa-3023	467	2	inquiry	inquiry	NOUN
ajfa-3023	467	3	,	,	PUNCT
ajfa-3023	467	4	30	30	NUM
ajfa-3023	467	5	,	,	PUNCT
ajfa-3023	467	6	530	530	NUM
ajfa-3023	467	7	-	-	SYM
ajfa-3023	467	8	543	543	NUM
ajfa-3023	467	9	.	.	PUNCT
ajfa-3023	468	1	http://dx.doi.org/10.1111/j.1465-7295.1992.tb01979.x	http://dx.doi.org/10.1111/j.1465-7295.1992.tb01979.x	PROPN
ajfa-3023	468	2	wheelock	wheelock	PROPN
ajfa-3023	468	3	,	,	PUNCT
ajfa-3023	468	4	d.	d.	PROPN
ajfa-3023	468	5	,	,	PUNCT
ajfa-3023	468	6	&	&	CCONJ
ajfa-3023	468	7	kumbhakar	kumbhakar	PROPN
ajfa-3023	468	8	,	,	PUNCT
ajfa-3023	468	9	s.	s.	PROPN
ajfa-3023	468	10	(	(	PUNCT
ajfa-3023	468	11	1995	1995	NUM
ajfa-3023	468	12	)	)	PUNCT
ajfa-3023	468	13	.	.	PUNCT
ajfa-3023	469	1	which	which	PRON
ajfa-3023	469	2	banks	bank	NOUN
ajfa-3023	469	3	choose	choose	VERB
ajfa-3023	469	4	deposit	deposit	NOUN
ajfa-3023	469	5	insurance	insurance	NOUN
ajfa-3023	469	6	?	?	PUNCT
ajfa-3023	470	1	evidence	evidence	NOUN
ajfa-3023	470	2	of	of	ADP
ajfa-3023	470	3	adverse	adverse	ADJ
ajfa-3023	470	4	selection	selection	NOUN
ajfa-3023	470	5	and	and	CCONJ
ajfa-3023	470	6	moral	moral	ADJ
ajfa-3023	470	7	hazard	hazard	NOUN
ajfa-3023	470	8	in	in	ADP
ajfa-3023	470	9	a	a	DET
ajfa-3023	470	10	voluntary	voluntary	ADJ
ajfa-3023	470	11	insurance	insurance	NOUN
ajfa-3023	470	12	system	system	NOUN
ajfa-3023	470	13	,	,	PUNCT
ajfa-3023	470	14	journal	journal	NOUN
ajfa-3023	470	15	of	of	ADP
ajfa-3023	470	16	money	money	NOUN
ajfa-3023	470	17	,	,	PUNCT
ajfa-3023	470	18	credit	credit	NOUN
ajfa-3023	470	19	and	and	CCONJ
ajfa-3023	470	20	banking	banking	NOUN
ajfa-3023	470	21	,	,	PUNCT
ajfa-3023	470	22	27(1	27(1	NUM
ajfa-3023	470	23	)	)	PUNCT
ajfa-3023	470	24	,	,	PUNCT
ajfa-3023	470	25	186	186	NUM
ajfa-3023	470	26	-	-	SYM
ajfa-3023	470	27	201	201	NUM
ajfa-3023	470	28	.	.	PUNCT
ajfa-3023	471	1	http://dx.doi.org/10.2307/2077858	http://dx.doi.org/10.2307/2077858	PROPN
ajfa-3023	471	2	the	the	DET
ajfa-3023	471	3	international	international	PROPN
ajfa-3023	471	4	association	association	NOUN
ajfa-3023	471	5	of	of	ADP
ajfa-3023	471	6	deposit	deposit	NOUN
ajfa-3023	471	7	insurers	insurer	NOUN
ajfa-3023	471	8	(	(	PUNCT
ajfa-3023	471	9	2012	2012	NUM
ajfa-3023	471	10	)	)	PUNCT
ajfa-3023	471	11	.	.	PUNCT
ajfa-3023	472	1	the	the	DET
ajfa-3023	472	2	list	list	NOUN
ajfa-3023	472	3	of	of	ADP
ajfa-3023	472	4	countries	country	NOUN
ajfa-3023	472	5	with	with	ADP
ajfa-3023	472	6	deposit	deposit	NOUN
ajfa-3023	472	7	insurance	insurance	NOUN
ajfa-3023	472	8	.	.	PUNCT
ajfa-3023	473	1	retrieved	retrieve	VERB
ajfa-3023	473	2	from	from	ADP
ajfa-3023	473	3	http://www.iadi.org	http://www.iadi.org	PUNCT