id	sid	tid	token	lemma	pos
ajssms-1649	1	1	124	124	NUM
ajssms-1649	1	2	©	©	PROPN
ajssms-1649	1	3	2020	2020	NUM
ajssms-1649	1	4	by	by	ADP
ajssms-1649	1	5	the	the	DET
ajssms-1649	1	6	authors	author	NOUN
ajssms-1649	1	7	;	;	PUNCT
ajssms-1649	1	8	licensee	licensee	PROPN
ajssms-1649	1	9	asian	asian	ADJ
ajssms-1649	1	10	online	online	PROPN
ajssms-1649	1	11	journal	journal	PROPN
ajssms-1649	1	12	publishing	publishing	PROPN
ajssms-1649	1	13	group	group	PROPN
ajssms-1649	1	14	asian	asian	PROPN
ajssms-1649	1	15	journal	journal	PROPN
ajssms-1649	1	16	of	of	ADP
ajssms-1649	1	17	social	social	ADJ
ajssms-1649	1	18	sciences	sciences	PROPN
ajssms-1649	1	19	and	and	CCONJ
ajssms-1649	1	20	management	management	NOUN
ajssms-1649	1	21	studies	study	NOUN
ajssms-1649	1	22	vol	vol	NOUN
ajssms-1649	1	23	.	.	PUNCT
ajssms-1649	2	1	7	7	NUM
ajssms-1649	2	2	,	,	PUNCT
ajssms-1649	2	3	no	no	INTJ
ajssms-1649	2	4	.	.	NOUN
ajssms-1649	2	5	2	2	NUM
ajssms-1649	2	6	,	,	PUNCT
ajssms-1649	2	7	124	124	NUM
ajssms-1649	2	8	-	-	SYM
ajssms-1649	2	9	134	134	NUM
ajssms-1649	2	10	,	,	PUNCT
ajssms-1649	2	11	2020	2020	NUM
ajssms-1649	2	12	issn(e	issn(e	PROPN
ajssms-1649	2	13	)	)	PUNCT
ajssms-1649	2	14	2313	2313	NUM
ajssms-1649	2	15	-	-	SYM
ajssms-1649	2	16	7401/	7401/	NUM
ajssms-1649	2	17	issn(p	issn(p	NOUN
ajssms-1649	2	18	)	)	PUNCT
ajssms-1649	2	19	2518	2518	NUM
ajssms-1649	2	20	-	-	PUNCT
ajssms-1649	2	21	0096	0096	NUM
ajssms-1649	2	22	doi	doi	NOUN
ajssms-1649	2	23	:	:	PUNCT
ajssms-1649	2	24	10.20448	10.20448	NUM
ajssms-1649	2	25	/	/	SYM
ajssms-1649	2	26	journal.500.2020.72.124.134	journal.500.2020.72.124.134	PROPN
ajssms-1649	2	27	©	©	PROPN
ajssms-1649	2	28	2020	2020	NUM
ajssms-1649	2	29	by	by	ADP
ajssms-1649	2	30	the	the	DET
ajssms-1649	2	31	authors	author	NOUN
ajssms-1649	2	32	;	;	PUNCT
ajssms-1649	2	33	licensee	licensee	PROPN
ajssms-1649	2	34	asian	asian	ADJ
ajssms-1649	2	35	online	online	PROPN
ajssms-1649	2	36	journal	journal	PROPN
ajssms-1649	2	37	publishing	publishing	PROPN
ajssms-1649	2	38	group	group	PROPN
ajssms-1649	2	39	basel	basel	PROPN
ajssms-1649	2	40	capital	capital	PROPN
ajssms-1649	2	41	channel	channel	PROPN
ajssms-1649	2	42	and	and	CCONJ
ajssms-1649	2	43	lending	lending	NOUN
ajssms-1649	2	44	behavior	behavior	NOUN
ajssms-1649	2	45	of	of	ADP
ajssms-1649	2	46	banking	banking	NOUN
ajssms-1649	2	47	institutions	institution	NOUN
ajssms-1649	2	48	in	in	ADP
ajssms-1649	2	49	nigeria	nigeria	PROPN
ajssms-1649	2	50	:	:	PUNCT
ajssms-1649	2	51	an	an	DET
ajssms-1649	2	52	empirical	empirical	ADJ
ajssms-1649	2	53	investigation	investigation	NOUN
ajssms-1649	2	54	dumini	dumini	PROPN
ajssms-1649	2	55	solomon	solomon	PROPN
ajssms-1649	2	56	igbanibo	igbanibo	PROPN
ajssms-1649	2	57	department	department	PROPN
ajssms-1649	2	58	of	of	ADP
ajssms-1649	2	59	banking	banking	NOUN
ajssms-1649	2	60	and	and	CCONJ
ajssms-1649	2	61	finance	finance	NOUN
ajssms-1649	2	62	rivers	river	NOUN
ajssms-1649	2	63	state	state	PROPN
ajssms-1649	2	64	university	university	PROPN
ajssms-1649	2	65	,	,	PUNCT
ajssms-1649	2	66	port	port	NOUN
ajssms-1649	2	67	harcourt	harcourt	PROPN
ajssms-1649	2	68	,	,	PUNCT
ajssms-1649	2	69	nigeria	nigeria	PROPN
ajssms-1649	2	70	.	.	PUNCT
ajssms-1649	3	1	abstract	abstract	ADJ
ajssms-1649	3	2	this	this	DET
ajssms-1649	3	3	study	study	NOUN
ajssms-1649	3	4	is	be	AUX
ajssms-1649	3	5	on	on	ADP
ajssms-1649	3	6	the	the	DET
ajssms-1649	3	7	role	role	NOUN
ajssms-1649	3	8	of	of	ADP
ajssms-1649	3	9	bank	bank	NOUN
ajssms-1649	3	10	capital	capital	NOUN
ajssms-1649	3	11	on	on	ADP
ajssms-1649	3	12	bank	bank	NOUN
ajssms-1649	3	13	lending	lending	NOUN
ajssms-1649	3	14	behavior	behavior	NOUN
ajssms-1649	3	15	and	and	CCONJ
ajssms-1649	3	16	other	other	ADJ
ajssms-1649	3	17	macroeconomic	macroeconomic	ADJ
ajssms-1649	3	18	variables	variable	NOUN
ajssms-1649	3	19	.	.	PUNCT
ajssms-1649	4	1	this	this	DET
ajssms-1649	4	2	study	study	NOUN
ajssms-1649	4	3	examined	examine	VERB
ajssms-1649	4	4	empirically	empirically	ADV
ajssms-1649	4	5	basel	basel	PROPN
ajssms-1649	4	6	i	i	PROPN
ajssms-1649	4	7	capital	capital	NOUN
ajssms-1649	4	8	(	(	PUNCT
ajssms-1649	4	9	tier	tier	NOUN
ajssms-1649	4	10	1	1	NUM
ajssms-1649	4	11	+	+	NUM
ajssms-1649	4	12	tier	tier	NOUN
ajssms-1649	4	13	2	2	NUM
ajssms-1649	4	14	)	)	PUNCT
ajssms-1649	4	15	,	,	PUNCT
ajssms-1649	4	16	basel	basel	PROPN
ajssms-1649	4	17	ii	ii	PROPN
ajssms-1649	4	18	capital	capital	PROPN
ajssms-1649	4	19	(	(	PUNCT
ajssms-1649	4	20	total	total	ADJ
ajssms-1649	4	21	capital	capital	NOUN
ajssms-1649	4	22	requirement	requirement	NOUN
ajssms-1649	4	23	)	)	PUNCT
ajssms-1649	4	24	,	,	PUNCT
ajssms-1649	4	25	basel	basel	PROPN
ajssms-1649	4	26	iii	iii	PROPN
ajssms-1649	4	27	capital	capital	PROPN
ajssms-1649	4	28	(	(	PUNCT
ajssms-1649	4	29	conservation	conservation	NOUN
ajssms-1649	4	30	buffer	buffer	NOUN
ajssms-1649	4	31	(	(	PUNCT
ajssms-1649	4	32	csb	csb	PROPN
ajssms-1649	4	33	)	)	PUNCT
ajssms-1649	4	34	+	+	NUM
ajssms-1649	4	35	counter	counter	ADJ
ajssms-1649	4	36	-	-	ADJ
ajssms-1649	4	37	cyclical	cyclical	ADJ
ajssms-1649	4	38	buffer	buffer	NOUN
ajssms-1649	4	39	(	(	PUNCT
ajssms-1649	4	40	ccb	ccb	PROPN
ajssms-1649	4	41	)	)	PUNCT
ajssms-1649	4	42	)	)	PUNCT
ajssms-1649	4	43	and	and	CCONJ
ajssms-1649	4	44	lending	lending	NOUN
ajssms-1649	4	45	behavior	behavior	NOUN
ajssms-1649	4	46	of	of	ADP
ajssms-1649	4	47	banking	banking	NOUN
ajssms-1649	4	48	institutions	institution	NOUN
ajssms-1649	4	49	in	in	ADP
ajssms-1649	4	50	nigeria	nigeria	PROPN
ajssms-1649	4	51	.	.	PUNCT
ajssms-1649	5	1	this	this	DET
ajssms-1649	5	2	study	study	NOUN
ajssms-1649	5	3	is	be	AUX
ajssms-1649	5	4	time	time	NOUN
ajssms-1649	5	5	series	series	NOUN
ajssms-1649	5	6	in	in	ADP
ajssms-1649	5	7	nature	nature	NOUN
ajssms-1649	5	8	and	and	CCONJ
ajssms-1649	5	9	data	datum	NOUN
ajssms-1649	5	10	relating	relate	VERB
ajssms-1649	5	11	to	to	ADP
ajssms-1649	5	12	the	the	DET
ajssms-1649	5	13	study	study	NOUN
ajssms-1649	5	14	were	be	AUX
ajssms-1649	5	15	obtained	obtain	VERB
ajssms-1649	5	16	from	from	ADP
ajssms-1649	5	17	nigerian	nigerian	ADJ
ajssms-1649	5	18	stock	stock	NOUN
ajssms-1649	5	19	exchange	exchange	PROPN
ajssms-1649	5	20	fact	fact	NOUN
ajssms-1649	5	21	sheet	sheet	NOUN
ajssms-1649	5	22	and	and	CCONJ
ajssms-1649	5	23	cbn	cbn	VERB
ajssms-1649	5	24	statistical	statistical	ADJ
ajssms-1649	5	25	bulletin	bulletin	NOUN
ajssms-1649	5	26	for	for	ADP
ajssms-1649	5	27	the	the	DET
ajssms-1649	5	28	period	period	NOUN
ajssms-1649	5	29	1986	1986	NUM
ajssms-1649	5	30	through	through	ADP
ajssms-1649	5	31	2019	2019	NUM
ajssms-1649	5	32	.	.	PUNCT
ajssms-1649	6	1	the	the	DET
ajssms-1649	6	2	analyses	analysis	NOUN
ajssms-1649	6	3	of	of	ADP
ajssms-1649	6	4	the	the	DET
ajssms-1649	6	5	data	datum	NOUN
ajssms-1649	6	6	were	be	AUX
ajssms-1649	6	7	done	do	VERB
ajssms-1649	6	8	using	use	VERB
ajssms-1649	6	9	descriptive	descriptive	ADJ
ajssms-1649	6	10	statistical	statistical	ADJ
ajssms-1649	6	11	tools	tool	NOUN
ajssms-1649	6	12	and	and	CCONJ
ajssms-1649	6	13	econometric	econometric	ADJ
ajssms-1649	6	14	technique	technique	NOUN
ajssms-1649	6	15	of	of	ADP
ajssms-1649	6	16	autoregressive	autoregressive	ADJ
ajssms-1649	6	17	distributed	distribute	VERB
ajssms-1649	6	18	lag	lag	NOUN
ajssms-1649	6	19	(	(	PUNCT
ajssms-1649	6	20	ardl	ardl	NOUN
ajssms-1649	6	21	)	)	PUNCT
ajssms-1649	6	22	,	,	PUNCT
ajssms-1649	6	23	and	and	CCONJ
ajssms-1649	6	24	granger	granger	PROPN
ajssms-1649	6	25	causality	causality	PROPN
ajssms-1649	6	26	test	test	NOUN
ajssms-1649	6	27	.	.	PUNCT
ajssms-1649	7	1	the	the	DET
ajssms-1649	7	2	results	result	NOUN
ajssms-1649	7	3	indicate	indicate	VERB
ajssms-1649	7	4	that	that	SCONJ
ajssms-1649	7	5	there	there	PRON
ajssms-1649	7	6	is	be	VERB
ajssms-1649	7	7	a	a	DET
ajssms-1649	7	8	positive	positive	ADJ
ajssms-1649	7	9	and	and	CCONJ
ajssms-1649	7	10	significant	significant	ADJ
ajssms-1649	7	11	relationship	relationship	NOUN
ajssms-1649	7	12	between	between	ADP
ajssms-1649	7	13	basel	basel	PROPN
ajssms-1649	7	14	capital	capital	PROPN
ajssms-1649	7	15	and	and	CCONJ
ajssms-1649	7	16	lending	lending	NOUN
ajssms-1649	7	17	behavior	behavior	NOUN
ajssms-1649	7	18	of	of	ADP
ajssms-1649	7	19	banking	banking	NOUN
ajssms-1649	7	20	institutions	institution	NOUN
ajssms-1649	7	21	in	in	ADP
ajssms-1649	7	22	nigeria	nigeria	PROPN
ajssms-1649	7	23	.	.	PUNCT
ajssms-1649	8	1	also	also	ADV
ajssms-1649	8	2	the	the	DET
ajssms-1649	8	3	results	result	NOUN
ajssms-1649	8	4	show	show	VERB
ajssms-1649	8	5	that	that	SCONJ
ajssms-1649	8	6	there	there	PRON
ajssms-1649	8	7	is	be	VERB
ajssms-1649	8	8	a	a	DET
ajssms-1649	8	9	bi	bi	ADJ
ajssms-1649	8	10	-	-	ADJ
ajssms-1649	8	11	directional	directional	ADJ
ajssms-1649	8	12	causality	causality	NOUN
ajssms-1649	8	13	between	between	ADP
ajssms-1649	8	14	basel	basel	PROPN
ajssms-1649	8	15	capital	capital	PROPN
ajssms-1649	8	16	and	and	CCONJ
ajssms-1649	8	17	lending	lending	NOUN
ajssms-1649	8	18	behavior	behavior	NOUN
ajssms-1649	8	19	in	in	ADP
ajssms-1649	8	20	nigeria	nigeria	PROPN
ajssms-1649	8	21	.	.	PUNCT
ajssms-1649	9	1	as	as	SCONJ
ajssms-1649	9	2	such	such	ADJ
ajssms-1649	9	3	we	we	PRON
ajssms-1649	9	4	conclude	conclude	VERB
ajssms-1649	9	5	that	that	SCONJ
ajssms-1649	9	6	basel	basel	PROPN
ajssms-1649	9	7	capital	capital	NOUN
ajssms-1649	9	8	influences	influence	VERB
ajssms-1649	9	9	growth	growth	NOUN
ajssms-1649	9	10	in	in	ADP
ajssms-1649	9	11	credit	credit	NOUN
ajssms-1649	9	12	to	to	ADP
ajssms-1649	9	13	the	the	DET
ajssms-1649	9	14	private	private	ADJ
ajssms-1649	9	15	sector	sector	NOUN
ajssms-1649	9	16	(	(	PUNCT
ajssms-1649	9	17	cps	cps	PROPN
ajssms-1649	9	18	)	)	PUNCT
ajssms-1649	9	19	and	and	CCONJ
ajssms-1649	9	20	growth	growth	NOUN
ajssms-1649	9	21	in	in	ADP
ajssms-1649	9	22	credit	credit	NOUN
ajssms-1649	9	23	to	to	ADP
ajssms-1649	9	24	small	small	ADJ
ajssms-1649	9	25	and	and	CCONJ
ajssms-1649	9	26	medium	medium	ADJ
ajssms-1649	9	27	enterprises	enterprise	NOUN
ajssms-1649	9	28	(	(	PUNCT
ajssms-1649	9	29	smes	sme	NOUN
ajssms-1649	9	30	)	)	PUNCT
ajssms-1649	9	31	in	in	ADP
ajssms-1649	9	32	nigeria	nigeria	PROPN
ajssms-1649	9	33	.	.	PUNCT
ajssms-1649	10	1	keywords	keyword	NOUN
ajssms-1649	10	2	:	:	PUNCT
ajssms-1649	10	3	basel	basel	PROPN
ajssms-1649	10	4	i	i	PROPN
ajssms-1649	10	5	,	,	PUNCT
ajssms-1649	10	6	basel	basel	PROPN
ajssms-1649	10	7	ii	ii	PROPN
ajssms-1649	10	8	,	,	PUNCT
ajssms-1649	10	9	basel	basel	PROPN
ajssms-1649	10	10	iii	iii	PROPN
ajssms-1649	10	11	,	,	PUNCT
ajssms-1649	10	12	conservation	conservation	NOUN
ajssms-1649	10	13	buffer	buffer	NOUN
ajssms-1649	10	14	,	,	PUNCT
ajssms-1649	10	15	counter	counter	ADJ
ajssms-1649	10	16	-	-	ADJ
ajssms-1649	10	17	cyclical	cyclical	ADJ
ajssms-1649	10	18	buffer	buffer	NOUN
ajssms-1649	10	19	,	,	PUNCT
ajssms-1649	10	20	capital	capital	NOUN
ajssms-1649	10	21	channel	channel	NOUN
ajssms-1649	10	22	,	,	PUNCT
ajssms-1649	10	23	lending	lending	NOUN
ajssms-1649	10	24	behavior	behavior	NOUN
ajssms-1649	10	25	,	,	PUNCT
ajssms-1649	10	26	banking	banking	NOUN
ajssms-1649	10	27	.	.	PUNCT
ajssms-1649	11	1	jel	jel	PROPN
ajssms-1649	11	2	classification	classification	PROPN
ajssms-1649	11	3	:	:	PUNCT
ajssms-1649	11	4	e44	e44	PROPN
ajssms-1649	11	5	,	,	PUNCT
ajssms-1649	11	6	e61	e61	PROPN
ajssms-1649	11	7	,	,	PUNCT
ajssms-1649	11	8	g21	g21	PROPN
ajssms-1649	11	9	,	,	PUNCT
ajssms-1649	11	10	g28	g28	NOUN
ajssms-1649	11	11	,	,	PUNCT
ajssms-1649	11	12	e51	e51	NOUN
ajssms-1649	11	13	.	.	PUNCT
ajssms-1649	12	1	citation	citation	NOUN
ajssms-1649	12	2	|	|	ADV
ajssms-1649	12	3	dumini	dumini	VERB
ajssms-1649	12	4	solomon	solomon	PROPN
ajssms-1649	12	5	igbanibo	igbanibo	PROPN
ajssms-1649	12	6	(	(	PUNCT
ajssms-1649	12	7	2020	2020	NUM
ajssms-1649	12	8	)	)	PUNCT
ajssms-1649	12	9	.	.	PUNCT
ajssms-1649	13	1	basel	basel	PROPN
ajssms-1649	13	2	capital	capital	PROPN
ajssms-1649	13	3	channel	channel	PROPN
ajssms-1649	13	4	and	and	CCONJ
ajssms-1649	13	5	lending	lending	NOUN
ajssms-1649	13	6	behavior	behavior	NOUN
ajssms-1649	13	7	of	of	ADP
ajssms-1649	13	8	banking	banking	NOUN
ajssms-1649	13	9	institutions	institution	NOUN
ajssms-1649	13	10	in	in	ADP
ajssms-1649	13	11	nigeria	nigeria	PROPN
ajssms-1649	13	12	:	:	PUNCT
ajssms-1649	13	13	an	an	DET
ajssms-1649	13	14	empirical	empirical	ADJ
ajssms-1649	13	15	investigation	investigation	NOUN
ajssms-1649	13	16	.	.	PUNCT
ajssms-1649	14	1	asian	asian	ADJ
ajssms-1649	14	2	journal	journal	PROPN
ajssms-1649	14	3	of	of	ADP
ajssms-1649	14	4	social	social	ADJ
ajssms-1649	14	5	sciences	sciences	PROPN
ajssms-1649	14	6	and	and	CCONJ
ajssms-1649	14	7	management	management	NOUN
ajssms-1649	14	8	studies	study	NOUN
ajssms-1649	14	9	,	,	PUNCT
ajssms-1649	14	10	7(2	7(2	NUM
ajssms-1649	14	11	):	):	PUNCT
ajssms-1649	14	12	124	124	NUM
ajssms-1649	14	13	-	-	SYM
ajssms-1649	14	14	134	134	NUM
ajssms-1649	14	15	.	.	PUNCT
ajssms-1649	15	1	history	history	NOUN
ajssms-1649	15	2	:	:	PUNCT
ajssms-1649	15	3	received	receive	VERB
ajssms-1649	15	4	:	:	PUNCT
ajssms-1649	15	5	14	14	NUM
ajssms-1649	15	6	february	february	NOUN
ajssms-1649	15	7	2020	2020	NUM
ajssms-1649	15	8	revised	revise	VERB
ajssms-1649	15	9	:	:	PUNCT
ajssms-1649	15	10	26	26	NUM
ajssms-1649	15	11	march	march	NOUN
ajssms-1649	15	12	2020	2020	NUM
ajssms-1649	15	13	accepted	accept	VERB
ajssms-1649	15	14	:	:	PUNCT
ajssms-1649	15	15	30	30	NUM
ajssms-1649	15	16	april	april	PROPN
ajssms-1649	15	17	2020	2020	NUM
ajssms-1649	15	18	published	publish	VERB
ajssms-1649	15	19	:	:	PUNCT
ajssms-1649	15	20	21	21	NUM
ajssms-1649	15	21	may	may	PROPN
ajssms-1649	15	22	2020	2020	NUM
ajssms-1649	15	23	licensed	license	VERB
ajssms-1649	15	24	:	:	PUNCT
ajssms-1649	15	25	this	this	DET
ajssms-1649	15	26	work	work	NOUN
ajssms-1649	15	27	is	be	AUX
ajssms-1649	15	28	licensed	license	VERB
ajssms-1649	15	29	under	under	ADP
ajssms-1649	15	30	a	a	DET
ajssms-1649	15	31	creative	creative	ADJ
ajssms-1649	15	32	commons	common	NOUN
ajssms-1649	15	33	attribution	attribution	NOUN
ajssms-1649	15	34	3.0	3.0	NUM
ajssms-1649	15	35	license	license	NOUN
ajssms-1649	15	36	publisher	publisher	NOUN
ajssms-1649	15	37	:	:	PUNCT
ajssms-1649	15	38	asian	asian	ADJ
ajssms-1649	15	39	online	online	PROPN
ajssms-1649	15	40	journal	journal	PROPN
ajssms-1649	15	41	publishing	publishing	PROPN
ajssms-1649	15	42	group	group	PROPN
ajssms-1649	15	43	funding	funding	NOUN
ajssms-1649	15	44	:	:	PUNCT
ajssms-1649	15	45	this	this	DET
ajssms-1649	15	46	study	study	NOUN
ajssms-1649	15	47	received	receive	VERB
ajssms-1649	15	48	no	no	DET
ajssms-1649	15	49	specific	specific	ADJ
ajssms-1649	15	50	financial	financial	ADJ
ajssms-1649	15	51	support	support	NOUN
ajssms-1649	15	52	.	.	PUNCT
ajssms-1649	16	1	competing	compete	VERB
ajssms-1649	16	2	interests	interest	NOUN
ajssms-1649	16	3	:	:	PUNCT
ajssms-1649	16	4	the	the	DET
ajssms-1649	16	5	author	author	NOUN
ajssms-1649	16	6	declares	declare	VERB
ajssms-1649	16	7	that	that	SCONJ
ajssms-1649	16	8	there	there	PRON
ajssms-1649	16	9	are	be	VERB
ajssms-1649	16	10	no	no	DET
ajssms-1649	16	11	conflicts	conflict	NOUN
ajssms-1649	16	12	of	of	ADP
ajssms-1649	16	13	interests	interest	NOUN
ajssms-1649	16	14	regarding	regard	VERB
ajssms-1649	16	15	the	the	DET
ajssms-1649	16	16	publication	publication	NOUN
ajssms-1649	16	17	of	of	ADP
ajssms-1649	16	18	this	this	DET
ajssms-1649	16	19	paper	paper	NOUN
ajssms-1649	16	20	.	.	PUNCT
ajssms-1649	17	1	transparency	transparency	NOUN
ajssms-1649	17	2	:	:	PUNCT
ajssms-1649	17	3	the	the	DET
ajssms-1649	17	4	author	author	NOUN
ajssms-1649	17	5	confirms	confirm	VERB
ajssms-1649	17	6	that	that	SCONJ
ajssms-1649	17	7	the	the	DET
ajssms-1649	17	8	manuscript	manuscript	NOUN
ajssms-1649	17	9	is	be	AUX
ajssms-1649	17	10	an	an	DET
ajssms-1649	17	11	honest	honest	ADJ
ajssms-1649	17	12	,	,	PUNCT
ajssms-1649	17	13	accurate	accurate	ADJ
ajssms-1649	17	14	,	,	PUNCT
ajssms-1649	17	15	and	and	CCONJ
ajssms-1649	17	16	transparent	transparent	ADJ
ajssms-1649	17	17	account	account	NOUN
ajssms-1649	17	18	of	of	ADP
ajssms-1649	17	19	the	the	DET
ajssms-1649	17	20	study	study	NOUN
ajssms-1649	17	21	was	be	AUX
ajssms-1649	17	22	reported	report	VERB
ajssms-1649	17	23	;	;	PUNCT
ajssms-1649	17	24	that	that	SCONJ
ajssms-1649	17	25	no	no	DET
ajssms-1649	17	26	vital	vital	ADJ
ajssms-1649	17	27	features	feature	NOUN
ajssms-1649	17	28	of	of	ADP
ajssms-1649	17	29	the	the	DET
ajssms-1649	17	30	study	study	NOUN
ajssms-1649	17	31	have	have	AUX
ajssms-1649	17	32	been	be	AUX
ajssms-1649	17	33	omitted	omit	VERB
ajssms-1649	17	34	;	;	PUNCT
ajssms-1649	17	35	and	and	CCONJ
ajssms-1649	17	36	that	that	SCONJ
ajssms-1649	17	37	any	any	DET
ajssms-1649	17	38	discrepancies	discrepancy	NOUN
ajssms-1649	17	39	from	from	ADP
ajssms-1649	17	40	the	the	DET
ajssms-1649	17	41	study	study	NOUN
ajssms-1649	17	42	as	as	SCONJ
ajssms-1649	17	43	planned	plan	VERB
ajssms-1649	17	44	have	have	AUX
ajssms-1649	17	45	been	be	AUX
ajssms-1649	17	46	explained	explain	VERB
ajssms-1649	17	47	.	.	PUNCT
ajssms-1649	18	1	ethical	ethical	ADJ
ajssms-1649	18	2	:	:	PUNCT
ajssms-1649	18	3	this	this	DET
ajssms-1649	18	4	study	study	NOUN
ajssms-1649	18	5	follows	follow	VERB
ajssms-1649	18	6	all	all	DET
ajssms-1649	18	7	ethical	ethical	ADJ
ajssms-1649	18	8	practices	practice	NOUN
ajssms-1649	18	9	during	during	ADP
ajssms-1649	18	10	writing	writing	NOUN
ajssms-1649	18	11	.	.	PUNCT
ajssms-1649	19	1	contents	content	NOUN
ajssms-1649	19	2	1	1	NUM
ajssms-1649	19	3	.	.	PUNCT
ajssms-1649	20	1	introduction	introduction	NOUN
ajssms-1649	20	2	....................................................................................................................................................................................	....................................................................................................................................................................................	VERB
ajssms-1649	20	3	125	125	NUM
ajssms-1649	20	4	2	2	NUM
ajssms-1649	20	5	.	.	PUNCT
ajssms-1649	20	6	theoretical	theoretical	ADJ
ajssms-1649	20	7	thoughts	thought	NOUN
ajssms-1649	20	8	and	and	CCONJ
ajssms-1649	20	9	empirical	empirical	ADJ
ajssms-1649	20	10	review	review	NOUN
ajssms-1649	20	11	..........................................................................................................................	..........................................................................................................................	PROPN
ajssms-1649	20	12	125	125	NUM
ajssms-1649	20	13	3	3	NUM
ajssms-1649	20	14	.	.	PUNCT
ajssms-1649	20	15	methodology	methodology	NOUN
ajssms-1649	20	16	...................................................................................................................................................................................	...................................................................................................................................................................................	PROPN
ajssms-1649	21	1	128	128	NUM
ajssms-1649	21	2	4	4	NUM
ajssms-1649	21	3	.	.	PUNCT
ajssms-1649	21	4	data	datum	NOUN
ajssms-1649	21	5	analysis	analysis	NOUN
ajssms-1649	21	6	..................................................................................................................................................................................	..................................................................................................................................................................................	PUNCT
ajssms-1649	21	7	128	128	NUM
ajssms-1649	21	8	5	5	NUM
ajssms-1649	21	9	.	.	PUNCT
ajssms-1649	22	1	conclusions	conclusion	NOUN
ajssms-1649	22	2	.....................................................................................................................................................................................	.....................................................................................................................................................................................	PUNCT
ajssms-1649	23	1	132	132	NUM
ajssms-1649	23	2	references	reference	NOUN
ajssms-1649	23	3	............................................................................................................................................................................................	............................................................................................................................................................................................	PUNCT
ajssms-1649	24	1	133	133	NUM
ajssms-1649	24	2	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.500.2020.72.124.134&domain=pdf&date_stamp=2017-01-14	http://crossmark.crossref.org/dialog/?doi=10.20448/journal.500.2020.72.124.134&domain=pdf&date_stamp=2017-01-14	PROPN
ajssms-1649	24	3	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajssms-1649	24	4	http://creativecommons.org/licenses/by/3.0/	http://creativecommons.org/licenses/by/3.0/	PROPN
ajssms-1649	24	5	https://www.asianonlinejournals.com/index.php/ajssms/article/view/1649	https://www.asianonlinejournals.com/index.php/ajssms/article/view/1649	PROPN
ajssms-1649	24	6	https://orcid.org/0000-0002-8928-6513	https://orcid.org/0000-0002-8928-6513	NOUN
ajssms-1649	24	7	https://www.asianonlinejournals.com/index.php/ajssms/article/view/1649	https://www.asianonlinejournals.com/index.php/ajssms/article/view/1649	NUM
ajssms-1649	24	8	https://orcid.org/0000-0002-8928-6513	https://orcid.org/0000-0002-8928-6513	NOUN
ajssms-1649	24	9	https://www.asianonlinejournals.com/index.php/ajssms/article/view/1649	https://www.asianonlinejournals.com/index.php/ajssms/article/view/1649	NUM
ajssms-1649	24	10	https://orcid.org/0000-0002-8928-6513	https://orcid.org/0000-0002-8928-6513	PROPN
ajssms-1649	24	11	asian	asian	ADJ
ajssms-1649	24	12	journal	journal	NOUN
ajssms-1649	24	13	of	of	ADP
ajssms-1649	24	14	social	social	ADJ
ajssms-1649	24	15	sciences	sciences	PROPN
ajssms-1649	24	16	and	and	CCONJ
ajssms-1649	24	17	management	management	NOUN
ajssms-1649	24	18	studies	study	NOUN
ajssms-1649	24	19	,	,	PUNCT
ajssms-1649	24	20	2020	2020	NUM
ajssms-1649	24	21	,	,	PUNCT
ajssms-1649	24	22	7(2	7(2	NUM
ajssms-1649	24	23	):	):	PUNCT
ajssms-1649	24	24	124	124	NUM
ajssms-1649	24	25	-	-	SYM
ajssms-1649	24	26	134	134	NUM
ajssms-1649	24	27	125	125	NUM
ajssms-1649	24	28	©	©	PROPN
ajssms-1649	24	29	2020	2020	NUM
ajssms-1649	24	30	by	by	ADP
ajssms-1649	24	31	the	the	DET
ajssms-1649	24	32	authors	author	NOUN
ajssms-1649	24	33	;	;	PUNCT
ajssms-1649	24	34	licensee	licensee	PROPN
ajssms-1649	24	35	asian	asian	ADJ
ajssms-1649	24	36	online	online	PROPN
ajssms-1649	24	37	journal	journal	PROPN
ajssms-1649	24	38	publishing	publishing	NOUN
ajssms-1649	24	39	group	group	NOUN
ajssms-1649	24	40	contribution	contribution	NOUN
ajssms-1649	24	41	of	of	ADP
ajssms-1649	24	42	this	this	DET
ajssms-1649	24	43	paper	paper	NOUN
ajssms-1649	24	44	to	to	ADP
ajssms-1649	24	45	the	the	DET
ajssms-1649	24	46	literature	literature	NOUN
ajssms-1649	24	47	this	this	DET
ajssms-1649	24	48	study	study	NOUN
ajssms-1649	24	49	contributes	contribute	VERB
ajssms-1649	24	50	to	to	ADP
ajssms-1649	24	51	existing	exist	VERB
ajssms-1649	24	52	literature	literature	NOUN
ajssms-1649	24	53	by	by	ADP
ajssms-1649	24	54	examining	examine	VERB
ajssms-1649	24	55	empirically	empirically	ADV
ajssms-1649	24	56	basel	basel	PROPN
ajssms-1649	24	57	i	i	PROPN
ajssms-1649	24	58	capital	capital	NOUN
ajssms-1649	24	59	(	(	PUNCT
ajssms-1649	24	60	tier	tier	NOUN
ajssms-1649	24	61	1	1	NUM
ajssms-1649	24	62	+	+	NUM
ajssms-1649	24	63	tier	tier	NOUN
ajssms-1649	24	64	2	2	NUM
ajssms-1649	24	65	)	)	PUNCT
ajssms-1649	24	66	,	,	PUNCT
ajssms-1649	24	67	basel	basel	PROPN
ajssms-1649	24	68	ii	ii	PROPN
ajssms-1649	24	69	capital	capital	PROPN
ajssms-1649	24	70	(	(	PUNCT
ajssms-1649	24	71	total	total	ADJ
ajssms-1649	24	72	capital	capital	NOUN
ajssms-1649	24	73	requirement	requirement	NOUN
ajssms-1649	24	74	)	)	PUNCT
ajssms-1649	24	75	,	,	PUNCT
ajssms-1649	24	76	basel	basel	PROPN
ajssms-1649	24	77	iii	iii	PROPN
ajssms-1649	24	78	capital	capital	PROPN
ajssms-1649	24	79	(	(	PUNCT
ajssms-1649	24	80	conservation	conservation	NOUN
ajssms-1649	24	81	buffer	buffer	NOUN
ajssms-1649	24	82	(	(	PUNCT
ajssms-1649	24	83	csb	csb	PROPN
ajssms-1649	24	84	)	)	PUNCT
ajssms-1649	24	85	+	+	NUM
ajssms-1649	24	86	countercyclical	countercyclical	ADJ
ajssms-1649	24	87	buffer	buffer	NOUN
ajssms-1649	24	88	(	(	PUNCT
ajssms-1649	24	89	ccb	ccb	PROPN
ajssms-1649	24	90	)	)	PUNCT
ajssms-1649	24	91	)	)	PUNCT
ajssms-1649	24	92	and	and	CCONJ
ajssms-1649	24	93	lending	lending	NOUN
ajssms-1649	24	94	behavior	behavior	NOUN
ajssms-1649	24	95	of	of	ADP
ajssms-1649	24	96	banking	banking	NOUN
ajssms-1649	24	97	institutions	institution	NOUN
ajssms-1649	24	98	in	in	ADP
ajssms-1649	24	99	nigeria	nigeria	PROPN
ajssms-1649	24	100	.	.	PUNCT
ajssms-1649	25	1	1	1	X
ajssms-1649	25	2	.	.	X
ajssms-1649	25	3	introduction	introduction	NOUN
ajssms-1649	25	4	there	there	PRON
ajssms-1649	25	5	has	have	AUX
ajssms-1649	25	6	been	be	AUX
ajssms-1649	25	7	the	the	DET
ajssms-1649	25	8	debate	debate	NOUN
ajssms-1649	25	9	in	in	ADP
ajssms-1649	25	10	literature	literature	NOUN
ajssms-1649	25	11	with	with	ADP
ajssms-1649	25	12	respect	respect	NOUN
ajssms-1649	25	13	to	to	ADP
ajssms-1649	25	14	the	the	DET
ajssms-1649	25	15	role	role	NOUN
ajssms-1649	25	16	of	of	ADP
ajssms-1649	25	17	bank	bank	NOUN
ajssms-1649	25	18	capital	capital	NOUN
ajssms-1649	25	19	on	on	ADP
ajssms-1649	25	20	bank	bank	NOUN
ajssms-1649	25	21	lending	lending	NOUN
ajssms-1649	25	22	behavior	behavior	NOUN
ajssms-1649	25	23	.	.	PUNCT
ajssms-1649	26	1	the	the	DET
ajssms-1649	26	2	traditional	traditional	ADJ
ajssms-1649	26	3	monetary	monetary	ADJ
ajssms-1649	26	4	school	school	NOUN
ajssms-1649	26	5	believes	believe	VERB
ajssms-1649	26	6	that	that	SCONJ
ajssms-1649	26	7	bank	bank	NOUN
ajssms-1649	26	8	reserves	reserve	NOUN
ajssms-1649	26	9	play	play	VERB
ajssms-1649	26	10	critical	critical	ADJ
ajssms-1649	26	11	role	role	NOUN
ajssms-1649	26	12	in	in	ADP
ajssms-1649	26	13	determining	determine	VERB
ajssms-1649	26	14	the	the	DET
ajssms-1649	26	15	volume	volume	NOUN
ajssms-1649	26	16	of	of	ADP
ajssms-1649	26	17	bank	bank	NOUN
ajssms-1649	26	18	lending	lending	NOUN
ajssms-1649	26	19	in	in	ADP
ajssms-1649	26	20	particular	particular	ADJ
ajssms-1649	26	21	while	while	SCONJ
ajssms-1649	26	22	the	the	DET
ajssms-1649	26	23	bank	bank	NOUN
ajssms-1649	26	24	lending	lending	NOUN
ajssms-1649	26	25	channel	channel	NOUN
ajssms-1649	26	26	thesis	thesis	NOUN
ajssms-1649	26	27	maintain	maintain	VERB
ajssms-1649	26	28	that	that	SCONJ
ajssms-1649	26	29	monetary	monetary	ADJ
ajssms-1649	26	30	policy	policy	NOUN
ajssms-1649	26	31	actions	action	NOUN
ajssms-1649	26	32	can	can	AUX
ajssms-1649	26	33	largely	largely	ADV
ajssms-1649	26	34	alter	alter	VERB
ajssms-1649	26	35	the	the	DET
ajssms-1649	26	36	supply	supply	NOUN
ajssms-1649	26	37	of	of	ADP
ajssms-1649	26	38	bank	bank	NOUN
ajssms-1649	26	39	loans	loan	NOUN
ajssms-1649	26	40	by	by	ADP
ajssms-1649	26	41	changing	change	VERB
ajssms-1649	26	42	bank	bank	NOUN
ajssms-1649	26	43	reserves	reserve	NOUN
ajssms-1649	26	44	.	.	PUNCT
ajssms-1649	27	1	according	accord	VERB
ajssms-1649	27	2	to	to	ADP
ajssms-1649	27	3	diamond	diamond	NOUN
ajssms-1649	27	4	and	and	CCONJ
ajssms-1649	27	5	rajan	rajan	PROPN
ajssms-1649	27	6	(	(	PUNCT
ajssms-1649	27	7	2000	2000	NUM
ajssms-1649	27	8	)	)	PUNCT
ajssms-1649	27	9	higher	high	ADJ
ajssms-1649	27	10	capital	capital	NOUN
ajssms-1649	27	11	requirement	requirement	NOUN
ajssms-1649	27	12	reduces	reduce	VERB
ajssms-1649	27	13	liquidity	liquidity	NOUN
ajssms-1649	27	14	creation	creation	NOUN
ajssms-1649	27	15	but	but	CCONJ
ajssms-1649	27	16	enables	enable	VERB
ajssms-1649	27	17	the	the	DET
ajssms-1649	27	18	bank	bank	NOUN
ajssms-1649	27	19	to	to	PART
ajssms-1649	27	20	avoid	avoid	VERB
ajssms-1649	27	21	financial	financial	ADJ
ajssms-1649	27	22	distress	distress	NOUN
ajssms-1649	27	23	and	and	CCONJ
ajssms-1649	27	24	survive	survive	VERB
ajssms-1649	27	25	more	more	ADV
ajssms-1649	27	26	often	often	ADV
ajssms-1649	27	27	.	.	PUNCT
ajssms-1649	28	1	admati	admati	PROPN
ajssms-1649	28	2	,	,	PUNCT
ajssms-1649	28	3	demarzo	demarzo	PROPN
ajssms-1649	28	4	,	,	PUNCT
ajssms-1649	28	5	hellwig	hellwig	PROPN
ajssms-1649	28	6	,	,	PUNCT
ajssms-1649	28	7	and	and	CCONJ
ajssms-1649	28	8	pfleiderer	pfleiderer	NOUN
ajssms-1649	28	9	(	(	PUNCT
ajssms-1649	28	10	2010	2010	NUM
ajssms-1649	28	11	)	)	PUNCT
ajssms-1649	28	12	suggest	suggest	VERB
ajssms-1649	28	13	that	that	SCONJ
ajssms-1649	28	14	better	well	ADJ
ajssms-1649	28	15	capitalized	capitalize	VERB
ajssms-1649	28	16	banks	bank	NOUN
ajssms-1649	28	17	suffer	suffer	VERB
ajssms-1649	28	18	fewer	few	ADJ
ajssms-1649	28	19	distortions	distortion	NOUN
ajssms-1649	28	20	arising	arise	VERB
ajssms-1649	28	21	from	from	ADP
ajssms-1649	28	22	lending	lending	NOUN
ajssms-1649	28	23	and	and	CCONJ
ajssms-1649	28	24	perform	perform	VERB
ajssms-1649	28	25	well	well	ADV
ajssms-1649	28	26	.	.	PUNCT
ajssms-1649	29	1	the	the	DET
ajssms-1649	29	2	study	study	NOUN
ajssms-1649	29	3	of	of	ADP
ajssms-1649	29	4	barth	barth	PROPN
ajssms-1649	29	5	,	,	PUNCT
ajssms-1649	29	6	caprio	caprio	PROPN
ajssms-1649	29	7	,	,	PUNCT
ajssms-1649	29	8	and	and	CCONJ
ajssms-1649	29	9	levine	levine	PROPN
ajssms-1649	29	10	(	(	PUNCT
ajssms-1649	29	11	2006	2006	NUM
ajssms-1649	29	12	)	)	PUNCT
ajssms-1649	29	13	stated	state	VERB
ajssms-1649	29	14	that	that	SCONJ
ajssms-1649	29	15	capital	capital	NOUN
ajssms-1649	29	16	regulations	regulation	NOUN
ajssms-1649	29	17	do	do	AUX
ajssms-1649	29	18	not	not	PART
ajssms-1649	29	19	necessarily	necessarily	ADV
ajssms-1649	29	20	exert	exert	VERB
ajssms-1649	29	21	positive	positive	ADJ
ajssms-1649	29	22	impact	impact	NOUN
ajssms-1649	29	23	on	on	ADP
ajssms-1649	29	24	banking	banking	NOUN
ajssms-1649	29	25	system	system	NOUN
ajssms-1649	29	26	stability	stability	NOUN
ajssms-1649	29	27	.	.	PUNCT
ajssms-1649	30	1	conversely	conversely	ADV
ajssms-1649	30	2	,	,	PUNCT
ajssms-1649	30	3	modigliani	modigliani	PROPN
ajssms-1649	30	4	-	-	PUNCT
ajssms-1649	30	5	miller	miller	PROPN
ajssms-1649	30	6	theorem	theorem	NOUN
ajssms-1649	30	7	argues	argue	VERB
ajssms-1649	30	8	that	that	SCONJ
ajssms-1649	30	9	given	give	VERB
ajssms-1649	30	10	the	the	DET
ajssms-1649	30	11	perfect	perfect	ADJ
ajssms-1649	30	12	capital	capital	NOUN
ajssms-1649	30	13	market	market	NOUN
ajssms-1649	30	14	where	where	SCONJ
ajssms-1649	30	15	there	there	PRON
ajssms-1649	30	16	is	be	VERB
ajssms-1649	30	17	the	the	DET
ajssms-1649	30	18	absence	absence	NOUN
ajssms-1649	30	19	of	of	ADP
ajssms-1649	30	20	taxes	taxis	NOUN
ajssms-1649	30	21	and	and	CCONJ
ajssms-1649	30	22	bankruptcy	bankruptcy	NOUN
ajssms-1649	30	23	costs	cost	NOUN
ajssms-1649	30	24	,	,	PUNCT
ajssms-1649	30	25	the	the	DET
ajssms-1649	30	26	capital	capital	NOUN
ajssms-1649	30	27	structure	structure	NOUN
ajssms-1649	30	28	of	of	ADP
ajssms-1649	30	29	the	the	DET
ajssms-1649	30	30	firm	firm	NOUN
ajssms-1649	30	31	does	do	AUX
ajssms-1649	30	32	not	not	PART
ajssms-1649	30	33	matter	matter	VERB
ajssms-1649	30	34	in	in	ADP
ajssms-1649	30	35	deciding	decide	VERB
ajssms-1649	30	36	the	the	DET
ajssms-1649	30	37	value	value	NOUN
ajssms-1649	30	38	of	of	ADP
ajssms-1649	30	39	the	the	DET
ajssms-1649	30	40	firm	firm	NOUN
ajssms-1649	30	41	.	.	PUNCT
ajssms-1649	31	1	this	this	DET
ajssms-1649	31	2	thought	thought	NOUN
ajssms-1649	31	3	,	,	PUNCT
ajssms-1649	31	4	in	in	ADP
ajssms-1649	31	5	banking	banking	NOUN
ajssms-1649	31	6	context	context	NOUN
ajssms-1649	31	7	,	,	PUNCT
ajssms-1649	31	8	opines	opine	VERB
ajssms-1649	31	9	that	that	SCONJ
ajssms-1649	31	10	a	a	DET
ajssms-1649	31	11	bank‟s	bank‟s	ADJ
ajssms-1649	31	12	lending	lending	NOUN
ajssms-1649	31	13	decision	decision	NOUN
ajssms-1649	31	14	is	be	AUX
ajssms-1649	31	15	irrelevant	irrelevant	ADJ
ajssms-1649	31	16	to	to	ADP
ajssms-1649	31	17	its	its	PRON
ajssms-1649	31	18	financial	financial	ADJ
ajssms-1649	31	19	structure	structure	NOUN
ajssms-1649	31	20	if	if	SCONJ
ajssms-1649	31	21	there	there	PRON
ajssms-1649	31	22	is	be	VERB
ajssms-1649	31	23	a	a	DET
ajssms-1649	31	24	perfect	perfect	ADJ
ajssms-1649	31	25	capital	capital	NOUN
ajssms-1649	31	26	market	market	NOUN
ajssms-1649	31	27	.	.	PUNCT
ajssms-1649	32	1	when	when	SCONJ
ajssms-1649	32	2	a	a	DET
ajssms-1649	32	3	banker	banker	NOUN
ajssms-1649	32	4	does	do	AUX
ajssms-1649	32	5	not	not	PART
ajssms-1649	32	6	face	face	VERB
ajssms-1649	32	7	any	any	DET
ajssms-1649	32	8	difficulty	difficulty	NOUN
ajssms-1649	32	9	in	in	ADP
ajssms-1649	32	10	lending	lend	VERB
ajssms-1649	32	11	owing	owe	VERB
ajssms-1649	32	12	to	to	ADP
ajssms-1649	32	13	the	the	DET
ajssms-1649	32	14	presence	presence	NOUN
ajssms-1649	32	15	of	of	ADP
ajssms-1649	32	16	the	the	DET
ajssms-1649	32	17	perfect	perfect	ADJ
ajssms-1649	32	18	capital	capital	NOUN
ajssms-1649	32	19	market	market	NOUN
ajssms-1649	32	20	,	,	PUNCT
ajssms-1649	32	21	neither	neither	CCONJ
ajssms-1649	32	22	the	the	DET
ajssms-1649	32	23	lending	lending	NOUN
ajssms-1649	32	24	channel	channel	NOUN
ajssms-1649	32	25	nor	nor	CCONJ
ajssms-1649	32	26	the	the	DET
ajssms-1649	32	27	capital	capital	NOUN
ajssms-1649	32	28	channel	channel	NOUN
ajssms-1649	32	29	are	be	AUX
ajssms-1649	32	30	relevant	relevant	ADJ
ajssms-1649	32	31	for	for	ADP
ajssms-1649	32	32	the	the	DET
ajssms-1649	32	33	transmission	transmission	NOUN
ajssms-1649	32	34	mechanism	mechanism	NOUN
ajssms-1649	32	35	of	of	ADP
ajssms-1649	32	36	monetary	monetary	ADJ
ajssms-1649	32	37	policy	policy	NOUN
ajssms-1649	32	38	(	(	PUNCT
ajssms-1649	32	39	bernanke	bernanke	PROPN
ajssms-1649	32	40	&	&	CCONJ
ajssms-1649	32	41	blinder	blinder	PROPN
ajssms-1649	32	42	,	,	PUNCT
ajssms-1649	32	43	1988	1988	NUM
ajssms-1649	32	44	)	)	PUNCT
ajssms-1649	32	45	.	.	PUNCT
ajssms-1649	33	1	the	the	DET
ajssms-1649	33	2	general	general	ADJ
ajssms-1649	33	3	understanding	understanding	NOUN
ajssms-1649	33	4	is	be	AUX
ajssms-1649	33	5	that	that	SCONJ
ajssms-1649	33	6	banks	bank	NOUN
ajssms-1649	33	7	with	with	ADP
ajssms-1649	33	8	sound	sound	ADJ
ajssms-1649	33	9	financial	financial	ADJ
ajssms-1649	33	10	health	health	NOUN
ajssms-1649	33	11	possess	possess	VERB
ajssms-1649	33	12	higher	high	ADJ
ajssms-1649	33	13	level	level	NOUN
ajssms-1649	33	14	of	of	ADP
ajssms-1649	33	15	capital	capital	NOUN
ajssms-1649	33	16	and	and	CCONJ
ajssms-1649	33	17	could	could	AUX
ajssms-1649	33	18	contribute	contribute	VERB
ajssms-1649	33	19	meaningfully	meaningfully	ADV
ajssms-1649	33	20	to	to	ADP
ajssms-1649	33	21	the	the	DET
ajssms-1649	33	22	financial	financial	ADJ
ajssms-1649	33	23	intermediation	intermediation	NOUN
ajssms-1649	33	24	.	.	PUNCT
ajssms-1649	34	1	in	in	ADP
ajssms-1649	34	2	the	the	DET
ajssms-1649	34	3	light	light	NOUN
ajssms-1649	34	4	of	of	ADP
ajssms-1649	34	5	the	the	DET
ajssms-1649	34	6	above	above	ADJ
ajssms-1649	34	7	,	,	PUNCT
ajssms-1649	34	8	several	several	ADJ
ajssms-1649	34	9	studies	study	NOUN
ajssms-1649	34	10	in	in	ADP
ajssms-1649	34	11	developed	develop	VERB
ajssms-1649	34	12	economies	economy	NOUN
ajssms-1649	34	13	have	have	AUX
ajssms-1649	34	14	established	establish	VERB
ajssms-1649	34	15	that	that	SCONJ
ajssms-1649	34	16	there	there	PRON
ajssms-1649	34	17	is	be	VERB
ajssms-1649	34	18	a	a	DET
ajssms-1649	34	19	link	link	NOUN
ajssms-1649	34	20	between	between	ADP
ajssms-1649	34	21	bank	bank	NOUN
ajssms-1649	34	22	capital	capital	NOUN
ajssms-1649	34	23	and	and	CCONJ
ajssms-1649	34	24	bank	bank	NOUN
ajssms-1649	34	25	lending	lending	NOUN
ajssms-1649	34	26	,	,	PUNCT
ajssms-1649	34	27	such	such	ADJ
ajssms-1649	34	28	that	that	SCONJ
ajssms-1649	34	29	bank	bank	NOUN
ajssms-1649	34	30	capital	capital	NOUN
ajssms-1649	34	31	acts	act	VERB
ajssms-1649	34	32	as	as	ADP
ajssms-1649	34	33	an	an	DET
ajssms-1649	34	34	automatic	automatic	ADJ
ajssms-1649	34	35	amplifier	amplifier	NOUN
ajssms-1649	34	36	for	for	ADP
ajssms-1649	34	37	macroeconomic	macroeconomic	ADJ
ajssms-1649	34	38	activities	activity	NOUN
ajssms-1649	34	39	.	.	PUNCT
ajssms-1649	35	1	this	this	DET
ajssms-1649	35	2	amplification	amplification	NOUN
ajssms-1649	35	3	of	of	ADP
ajssms-1649	35	4	the	the	DET
ajssms-1649	35	5	economy	economy	NOUN
ajssms-1649	35	6	works	work	VERB
ajssms-1649	35	7	through	through	ADP
ajssms-1649	35	8	the	the	DET
ajssms-1649	35	9	mechanism	mechanism	NOUN
ajssms-1649	35	10	of	of	ADP
ajssms-1649	35	11	the	the	DET
ajssms-1649	35	12	bank	bank	NOUN
ajssms-1649	35	13	capital	capital	PROPN
ajssms-1649	35	14	channel	channel	NOUN
ajssms-1649	35	15	(	(	PUNCT
ajssms-1649	35	16	albertazzi	albertazzi	NOUN
ajssms-1649	35	17	&	&	CCONJ
ajssms-1649	35	18	marchetti	marchetti	PROPN
ajssms-1649	35	19	,	,	PUNCT
ajssms-1649	35	20	2010	2010	NUM
ajssms-1649	35	21	;	;	PUNCT
ajssms-1649	35	22	blum	blum	PROPN
ajssms-1649	35	23	&	&	CCONJ
ajssms-1649	35	24	hellwig	hellwig	PROPN
ajssms-1649	35	25	,	,	PUNCT
ajssms-1649	35	26	1995	1995	NUM
ajssms-1649	35	27	;	;	PUNCT
ajssms-1649	35	28	blum	blum	PROPN
ajssms-1649	35	29	.	.	PROPN
ajssms-1649	35	30	,	,	PUNCT
ajssms-1649	35	31	1999	1999	NUM
ajssms-1649	35	32	;	;	PUNCT
ajssms-1649	35	33	brun	brun	NOUN
ajssms-1649	35	34	,	,	PUNCT
ajssms-1649	35	35	fraisse	fraisse	NOUN
ajssms-1649	35	36	,	,	PUNCT
ajssms-1649	35	37	&	&	CCONJ
ajssms-1649	35	38	thesmar	thesmar	PROPN
ajssms-1649	35	39	,	,	PUNCT
ajssms-1649	35	40	2013	2013	NUM
ajssms-1649	35	41	;	;	PUNCT
ajssms-1649	35	42	buch	buch	PROPN
ajssms-1649	35	43	&	&	CCONJ
ajssms-1649	35	44	prieto	prieto	PROPN
ajssms-1649	35	45	,	,	PUNCT
ajssms-1649	35	46	2014	2014	NUM
ajssms-1649	35	47	;	;	PUNCT
ajssms-1649	35	48	kapan	kapan	PROPN
ajssms-1649	35	49	&	&	CCONJ
ajssms-1649	35	50	minoiu	minoiu	PROPN
ajssms-1649	35	51	,	,	PUNCT
ajssms-1649	35	52	2013	2013	NUM
ajssms-1649	35	53	;	;	PUNCT
ajssms-1649	35	54	van	van	PROPN
ajssms-1649	35	55	den	den	PROPN
ajssms-1649	35	56	heuvel	heuvel	PROPN
ajssms-1649	35	57	,	,	PUNCT
ajssms-1649	35	58	2007	2007	NUM
ajssms-1649	35	59	;	;	PUNCT
ajssms-1649	35	60	woo	woo	PROPN
ajssms-1649	35	61	,	,	PUNCT
ajssms-1649	35	62	2003	2003	NUM
ajssms-1649	35	63	)	)	PUNCT
ajssms-1649	35	64	.	.	PUNCT
ajssms-1649	36	1	this	this	PRON
ajssms-1649	36	2	is	be	AUX
ajssms-1649	36	3	why	why	SCONJ
ajssms-1649	36	4	van	van	PROPN
ajssms-1649	36	5	den	den	PROPN
ajssms-1649	36	6	heuvel	heuvel	PROPN
ajssms-1649	36	7	(	(	PUNCT
ajssms-1649	36	8	2007	2007	NUM
ajssms-1649	36	9	)	)	PUNCT
ajssms-1649	36	10	stated	state	VERB
ajssms-1649	36	11	that	that	SCONJ
ajssms-1649	36	12	insufficient	insufficient	ADJ
ajssms-1649	36	13	bank	bank	NOUN
ajssms-1649	36	14	capital	capital	NOUN
ajssms-1649	36	15	shows	show	VERB
ajssms-1649	36	16	how	how	SCONJ
ajssms-1649	36	17	monetary	monetary	ADJ
ajssms-1649	36	18	policy	policy	NOUN
ajssms-1649	36	19	affects	affect	VERB
ajssms-1649	36	20	bank	bank	NOUN
ajssms-1649	36	21	lending	lending	NOUN
ajssms-1649	36	22	behavior	behavior	NOUN
ajssms-1649	36	23	.	.	PUNCT
ajssms-1649	37	1	lending	lend	VERB
ajssms-1649	37	2	by	by	ADP
ajssms-1649	37	3	banks	bank	NOUN
ajssms-1649	37	4	with	with	ADP
ajssms-1649	37	5	low	low	ADJ
ajssms-1649	37	6	capital	capital	NOUN
ajssms-1649	37	7	has	have	VERB
ajssms-1649	37	8	a	a	DET
ajssms-1649	37	9	delayed	delay	VERB
ajssms-1649	37	10	and	and	CCONJ
ajssms-1649	37	11	then	then	ADV
ajssms-1649	37	12	amplified	amplify	VERB
ajssms-1649	37	13	reaction	reaction	NOUN
ajssms-1649	37	14	to	to	ADP
ajssms-1649	37	15	interest	interest	NOUN
ajssms-1649	37	16	rate	rate	NOUN
ajssms-1649	37	17	shocks	shock	NOUN
ajssms-1649	37	18	,	,	PUNCT
ajssms-1649	37	19	relative	relative	ADJ
ajssms-1649	37	20	to	to	ADP
ajssms-1649	37	21	well	well	ADV
ajssms-1649	37	22	capitalized	capitalize	VERB
ajssms-1649	37	23	banks	bank	NOUN
ajssms-1649	37	24	.	.	PUNCT
ajssms-1649	38	1	however	however	ADV
ajssms-1649	38	2	,	,	PUNCT
ajssms-1649	38	3	a	a	DET
ajssms-1649	38	4	cursory	cursory	NOUN
ajssms-1649	38	5	look	look	NOUN
ajssms-1649	38	6	at	at	ADP
ajssms-1649	38	7	the	the	DET
ajssms-1649	38	8	nigerian	nigerian	ADJ
ajssms-1649	38	9	economy	economy	NOUN
ajssms-1649	38	10	shows	show	VERB
ajssms-1649	38	11	that	that	SCONJ
ajssms-1649	38	12	not	not	PART
ajssms-1649	38	13	much	much	ADJ
ajssms-1649	38	14	study	study	NOUN
ajssms-1649	38	15	has	have	AUX
ajssms-1649	38	16	been	be	AUX
ajssms-1649	38	17	done	do	VERB
ajssms-1649	38	18	to	to	PART
ajssms-1649	38	19	empirically	empirically	ADV
ajssms-1649	38	20	investigate	investigate	VERB
ajssms-1649	38	21	the	the	DET
ajssms-1649	38	22	effects	effect	NOUN
ajssms-1649	38	23	of	of	ADP
ajssms-1649	38	24	basel	basel	PROPN
ajssms-1649	38	25	capital	capital	PROPN
ajssms-1649	38	26	channel	channel	PROPN
ajssms-1649	38	27	on	on	ADP
ajssms-1649	38	28	bank	bank	NOUN
ajssms-1649	38	29	lending	lending	NOUN
ajssms-1649	38	30	behavior	behavior	NOUN
ajssms-1649	38	31	in	in	ADP
ajssms-1649	38	32	considering	consider	VERB
ajssms-1649	38	33	the	the	DET
ajssms-1649	38	34	uncertain	uncertain	ADJ
ajssms-1649	38	35	nature	nature	NOUN
ajssms-1649	38	36	of	of	ADP
ajssms-1649	38	37	the	the	DET
ajssms-1649	38	38	macroeconomic	macroeconomic	ADJ
ajssms-1649	38	39	and	and	CCONJ
ajssms-1649	38	40	financial	financial	ADJ
ajssms-1649	38	41	environment	environment	NOUN
ajssms-1649	38	42	occasioned	occasion	VERB
ajssms-1649	38	43	by	by	ADP
ajssms-1649	38	44	macroeconomic	macroeconomic	ADJ
ajssms-1649	38	45	fluctuations	fluctuation	NOUN
ajssms-1649	38	46	,	,	PUNCT
ajssms-1649	38	47	incessant	incessant	PROPN
ajssms-1649	38	48	bank	bank	NOUN
ajssms-1649	38	49	failure	failure	NOUN
ajssms-1649	38	50	and	and	CCONJ
ajssms-1649	38	51	inability	inability	NOUN
ajssms-1649	38	52	of	of	ADP
ajssms-1649	38	53	bank	bank	NOUN
ajssms-1649	38	54	capital	capital	NOUN
ajssms-1649	38	55	to	to	PART
ajssms-1649	38	56	absorb	absorb	VERB
ajssms-1649	38	57	emerging	emerge	VERB
ajssms-1649	38	58	shocks	shock	NOUN
ajssms-1649	38	59	.	.	PUNCT
ajssms-1649	39	1	hence	hence	ADV
ajssms-1649	39	2	the	the	DET
ajssms-1649	39	3	research	research	NOUN
ajssms-1649	39	4	gap	gap	NOUN
ajssms-1649	39	5	this	this	DET
ajssms-1649	39	6	study	study	NOUN
ajssms-1649	39	7	seeks	seek	VERB
ajssms-1649	39	8	to	to	PART
ajssms-1649	39	9	fill	fill	VERB
ajssms-1649	39	10	.	.	PUNCT
ajssms-1649	40	1	2	2	X
ajssms-1649	40	2	.	.	X
ajssms-1649	40	3	theoretical	theoretical	ADJ
ajssms-1649	40	4	thoughts	thought	NOUN
ajssms-1649	40	5	and	and	CCONJ
ajssms-1649	40	6	empirical	empirical	ADJ
ajssms-1649	40	7	review	review	NOUN
ajssms-1649	40	8	2.1	2.1	NUM
ajssms-1649	40	9	.	.	PUNCT
ajssms-1649	41	1	theory	theory	NOUN
ajssms-1649	41	2	of	of	ADP
ajssms-1649	41	3	bank	bank	PROPN
ajssms-1649	41	4	capital	capital	NOUN
ajssms-1649	41	5	channel	channel	NOUN
ajssms-1649	41	6	this	this	DET
ajssms-1649	41	7	theory	theory	NOUN
ajssms-1649	41	8	postulate	postulate	VERB
ajssms-1649	41	9	that	that	SCONJ
ajssms-1649	41	10	monetary	monetary	ADJ
ajssms-1649	41	11	policy	policy	NOUN
ajssms-1649	41	12	actions	action	NOUN
ajssms-1649	41	13	influence	influence	VERB
ajssms-1649	41	14	bank	bank	NOUN
ajssms-1649	41	15	lending	lending	NOUN
ajssms-1649	41	16	behavior	behavior	NOUN
ajssms-1649	41	17	,	,	PUNCT
ajssms-1649	41	18	through	through	ADP
ajssms-1649	41	19	its	its	PRON
ajssms-1649	41	20	impact	impact	NOUN
ajssms-1649	41	21	on	on	ADP
ajssms-1649	41	22	bank	bank	NOUN
ajssms-1649	41	23	equity	equity	NOUN
ajssms-1649	41	24	capital	capital	NOUN
ajssms-1649	41	25	.	.	PUNCT
ajssms-1649	42	1	these	these	DET
ajssms-1649	42	2	monetary	monetary	ADJ
ajssms-1649	42	3	policy	policy	NOUN
ajssms-1649	42	4	actions	action	NOUN
ajssms-1649	42	5	can	can	AUX
ajssms-1649	42	6	lead	lead	VERB
ajssms-1649	42	7	to	to	ADP
ajssms-1649	42	8	a	a	DET
ajssms-1649	42	9	change	change	NOUN
ajssms-1649	42	10	in	in	ADP
ajssms-1649	42	11	the	the	DET
ajssms-1649	42	12	financial	financial	ADJ
ajssms-1649	42	13	position	position	NOUN
ajssms-1649	42	14	of	of	ADP
ajssms-1649	42	15	the	the	DET
ajssms-1649	42	16	banking	banking	NOUN
ajssms-1649	42	17	sector	sector	NOUN
ajssms-1649	42	18	,	,	PUNCT
ajssms-1649	42	19	thereby	thereby	ADV
ajssms-1649	42	20	changing	change	VERB
ajssms-1649	42	21	the	the	DET
ajssms-1649	42	22	preferences	preference	NOUN
ajssms-1649	42	23	of	of	ADP
ajssms-1649	42	24	its	its	PRON
ajssms-1649	42	25	shareholder	shareholder	NOUN
ajssms-1649	42	26	(	(	PUNCT
ajssms-1649	42	27	markovic	markovic	PROPN
ajssms-1649	42	28	,	,	PUNCT
ajssms-1649	42	29	2006	2006	NUM
ajssms-1649	42	30	)	)	PUNCT
ajssms-1649	42	31	.	.	PUNCT
ajssms-1649	43	1	when	when	SCONJ
ajssms-1649	43	2	bank	bank	PROPN
ajssms-1649	43	3	equity	equity	NOUN
ajssms-1649	43	4	capital	capital	NOUN
ajssms-1649	43	5	is	be	AUX
ajssms-1649	43	6	sufficiently	sufficiently	ADV
ajssms-1649	43	7	low	low	ADJ
ajssms-1649	43	8	,	,	PUNCT
ajssms-1649	43	9	because	because	SCONJ
ajssms-1649	43	10	of	of	ADP
ajssms-1649	43	11	loan	loan	NOUN
ajssms-1649	43	12	losses	loss	NOUN
ajssms-1649	43	13	or	or	CCONJ
ajssms-1649	43	14	some	some	DET
ajssms-1649	43	15	other	other	ADJ
ajssms-1649	43	16	adverse	adverse	ADJ
ajssms-1649	43	17	shocks	shock	NOUN
ajssms-1649	43	18	,	,	PUNCT
ajssms-1649	43	19	the	the	DET
ajssms-1649	43	20	bank	bank	NOUN
ajssms-1649	43	21	will	will	AUX
ajssms-1649	43	22	reduce	reduce	VERB
ajssms-1649	43	23	lending	lending	NOUN
ajssms-1649	43	24	because	because	SCONJ
ajssms-1649	43	25	of	of	ADP
ajssms-1649	43	26	the	the	DET
ajssms-1649	43	27	capital	capital	NOUN
ajssms-1649	43	28	requirement	requirement	NOUN
ajssms-1649	43	29	and	and	CCONJ
ajssms-1649	43	30	the	the	DET
ajssms-1649	43	31	cost	cost	NOUN
ajssms-1649	43	32	of	of	ADP
ajssms-1649	43	33	issuing	issue	VERB
ajssms-1649	43	34	new	new	ADJ
ajssms-1649	43	35	equity	equity	NOUN
ajssms-1649	43	36	.	.	PUNCT
ajssms-1649	44	1	even	even	ADV
ajssms-1649	44	2	when	when	SCONJ
ajssms-1649	44	3	the	the	DET
ajssms-1649	44	4	capital	capital	NOUN
ajssms-1649	44	5	requirement	requirement	NOUN
ajssms-1649	44	6	is	be	AUX
ajssms-1649	44	7	not	not	PART
ajssms-1649	44	8	currently	currently	ADV
ajssms-1649	44	9	binding	bind	VERB
ajssms-1649	44	10	,	,	PUNCT
ajssms-1649	44	11	the	the	DET
ajssms-1649	44	12	model	model	NOUN
ajssms-1649	44	13	shows	show	VERB
ajssms-1649	44	14	that	that	SCONJ
ajssms-1649	44	15	a	a	DET
ajssms-1649	44	16	low	low	ADJ
ajssms-1649	44	17	capitalized	capitalize	VERB
ajssms-1649	44	18	bank	bank	NOUN
ajssms-1649	44	19	may	may	AUX
ajssms-1649	44	20	optimally	optimally	ADV
ajssms-1649	44	21	forgo	forgo	VERB
ajssms-1649	44	22	profitable	profitable	ADJ
ajssms-1649	44	23	lending	lending	NOUN
ajssms-1649	44	24	opportunities	opportunity	NOUN
ajssms-1649	44	25	now	now	ADV
ajssms-1649	44	26	to	to	PART
ajssms-1649	44	27	lower	lower	VERB
ajssms-1649	44	28	the	the	DET
ajssms-1649	44	29	risk	risk	NOUN
ajssms-1649	44	30	of	of	ADP
ajssms-1649	44	31	future	future	ADJ
ajssms-1649	44	32	capital	capital	NOUN
ajssms-1649	44	33	inadequacy	inadequacy	NOUN
ajssms-1649	44	34	.	.	PUNCT
ajssms-1649	45	1	furthermore	furthermore	ADV
ajssms-1649	45	2	,	,	PUNCT
ajssms-1649	45	3	the	the	DET
ajssms-1649	45	4	theory	theory	NOUN
ajssms-1649	45	5	reports	report	VERB
ajssms-1649	45	6	that	that	SCONJ
ajssms-1649	45	7	there	there	PRON
ajssms-1649	45	8	exist	exist	VERB
ajssms-1649	45	9	at	at	ADV
ajssms-1649	45	10	least	least	ADV
ajssms-1649	45	11	two	two	NUM
ajssms-1649	45	12	distinct	distinct	ADJ
ajssms-1649	45	13	ways	way	NOUN
ajssms-1649	45	14	in	in	ADP
ajssms-1649	45	15	which	which	PRON
ajssms-1649	45	16	the	the	DET
ajssms-1649	45	17	level	level	NOUN
ajssms-1649	45	18	of	of	ADP
ajssms-1649	45	19	bank	bank	NOUN
ajssms-1649	45	20	capital	capital	NOUN
ajssms-1649	45	21	may	may	AUX
ajssms-1649	45	22	alter	alter	VERB
ajssms-1649	45	23	the	the	DET
ajssms-1649	45	24	impact	impact	NOUN
ajssms-1649	45	25	of	of	ADP
ajssms-1649	45	26	monetary	monetary	ADJ
ajssms-1649	45	27	shocks	shock	NOUN
ajssms-1649	45	28	on	on	ADP
ajssms-1649	45	29	bank	bank	NOUN
ajssms-1649	45	30	lending	lending	NOUN
ajssms-1649	45	31	and	and	CCONJ
ajssms-1649	45	32	these	these	PRON
ajssms-1649	45	33	are	be	AUX
ajssms-1649	45	34	through	through	ADP
ajssms-1649	45	35	the	the	DET
ajssms-1649	45	36	traditional	traditional	ADJ
ajssms-1649	45	37	bank	bank	NOUN
ajssms-1649	45	38	lending	lending	NOUN
ajssms-1649	45	39	channel	channel	NOUN
ajssms-1649	45	40	and	and	CCONJ
ajssms-1649	45	41	the	the	DET
ajssms-1649	45	42	direct	direct	ADJ
ajssms-1649	45	43	mechanism	mechanism	NOUN
ajssms-1649	45	44	that	that	PRON
ajssms-1649	45	45	is	be	AUX
ajssms-1649	45	46	known	know	VERB
ajssms-1649	45	47	as	as	ADP
ajssms-1649	45	48	bank	bank	NOUN
ajssms-1649	45	49	capital	capital	PROPN
ajssms-1649	45	50	channel	channel	PROPN
ajssms-1649	45	51	.	.	PUNCT
ajssms-1649	46	1	2.2	2.2	NUM
ajssms-1649	46	2	.	.	PUNCT
ajssms-1649	46	3	modigliani	modigliani	PROPN
ajssms-1649	46	4	-	-	PUNCT
ajssms-1649	46	5	miller	miller	PROPN
ajssms-1649	46	6	irrelevance	irrelevance	NOUN
ajssms-1649	46	7	theory	theory	NOUN
ajssms-1649	46	8	modigliani	modigliani	PROPN
ajssms-1649	46	9	-	-	PUNCT
ajssms-1649	46	10	miller	miller	PROPN
ajssms-1649	46	11	argued	argue	VERB
ajssms-1649	46	12	that	that	SCONJ
ajssms-1649	46	13	in	in	ADP
ajssms-1649	46	14	the	the	DET
ajssms-1649	46	15	world	world	NOUN
ajssms-1649	46	16	of	of	ADP
ajssms-1649	46	17	perfect	perfect	ADJ
ajssms-1649	46	18	capital	capital	NOUN
ajssms-1649	46	19	markets	market	NOUN
ajssms-1649	46	20	,	,	PUNCT
ajssms-1649	46	21	bank	bank	NOUN
ajssms-1649	46	22	lending	lending	NOUN
ajssms-1649	46	23	decisions	decision	NOUN
ajssms-1649	46	24	are	be	AUX
ajssms-1649	46	25	independent	independent	ADJ
ajssms-1649	46	26	of	of	ADP
ajssms-1649	46	27	banks‟	banks‟	PROPN
ajssms-1649	46	28	capital	capital	NOUN
ajssms-1649	46	29	structure	structure	NOUN
ajssms-1649	46	30	,	,	PUNCT
ajssms-1649	46	31	since	since	SCONJ
ajssms-1649	46	32	the	the	DET
ajssms-1649	46	33	bank	bank	NOUN
ajssms-1649	46	34	will	will	AUX
ajssms-1649	46	35	always	always	ADV
ajssms-1649	46	36	be	be	AUX
ajssms-1649	46	37	able	able	ADJ
ajssms-1649	46	38	to	to	PART
ajssms-1649	46	39	find	find	VERB
ajssms-1649	46	40	investors	investor	NOUN
ajssms-1649	46	41	willing	willing	ADJ
ajssms-1649	46	42	to	to	PART
ajssms-1649	46	43	fund	fund	VERB
ajssms-1649	46	44	viable	viable	ADJ
ajssms-1649	46	45	lending	lending	NOUN
ajssms-1649	46	46	opportunities	opportunity	NOUN
ajssms-1649	46	47	;	;	PUNCT
ajssms-1649	46	48	the	the	DET
ajssms-1649	46	49	level	level	NOUN
ajssms-1649	46	50	of	of	ADP
ajssms-1649	46	51	bank	bank	NOUN
ajssms-1649	46	52	capital	capital	NOUN
ajssms-1649	46	53	is	be	AUX
ajssms-1649	46	54	irrelevant	irrelevant	ADJ
ajssms-1649	46	55	to	to	ADP
ajssms-1649	46	56	lending	lending	NOUN
ajssms-1649	46	57	and	and	CCONJ
ajssms-1649	46	58	also	also	ADV
ajssms-1649	46	59	to	to	ADP
ajssms-1649	46	60	the	the	DET
ajssms-1649	46	61	monetary	monetary	ADJ
ajssms-1649	46	62	policy	policy	NOUN
ajssms-1649	46	63	transmission	transmission	NOUN
ajssms-1649	46	64	mechanism	mechanism	NOUN
ajssms-1649	46	65	hubbard	hubbard	NOUN
ajssms-1649	46	66	,	,	PUNCT
ajssms-1649	46	67	kuttner	kuttner	NOUN
ajssms-1649	46	68	,	,	PUNCT
ajssms-1649	46	69	and	and	CCONJ
ajssms-1649	46	70	palia	palia	PROPN
ajssms-1649	46	71	(	(	PUNCT
ajssms-1649	46	72	2006	2006	NUM
ajssms-1649	46	73	)	)	PUNCT
ajssms-1649	46	74	.	.	PUNCT
ajssms-1649	47	1	this	this	DET
ajssms-1649	47	2	theory	theory	NOUN
ajssms-1649	47	3	or	or	CCONJ
ajssms-1649	47	4	logic	logic	NOUN
ajssms-1649	47	5	of	of	ADP
ajssms-1649	47	6	modigliani	modigliani	PROPN
ajssms-1649	47	7	and	and	CCONJ
ajssms-1649	47	8	miller	miller	PROPN
ajssms-1649	47	9	existed	exist	VERB
ajssms-1649	47	10	as	as	SCONJ
ajssms-1649	47	11	bank‟s	bank‟s	ADJ
ajssms-1649	47	12	lending	lending	NOUN
ajssms-1649	47	13	depended	depend	VERB
ajssms-1649	47	14	on	on	ADP
ajssms-1649	47	15	its	its	PRON
ajssms-1649	47	16	capital	capital	NOUN
ajssms-1649	47	17	structure	structure	NOUN
ajssms-1649	47	18	as	as	ADV
ajssms-1649	47	19	well	well	ADV
ajssms-1649	47	20	as	as	ADP
ajssms-1649	47	21	on	on	ADP
ajssms-1649	47	22	lending	lend	VERB
ajssms-1649	47	23	opportunities	opportunity	NOUN
ajssms-1649	47	24	and	and	CCONJ
ajssms-1649	47	25	market	market	NOUN
ajssms-1649	47	26	interest	interest	NOUN
ajssms-1649	47	27	rates	rate	NOUN
ajssms-1649	47	28	.	.	PUNCT
ajssms-1649	48	1	when	when	SCONJ
ajssms-1649	48	2	equity	equity	NOUN
ajssms-1649	48	3	is	be	AUX
ajssms-1649	48	4	sufficiently	sufficiently	ADV
ajssms-1649	48	5	low	low	ADJ
ajssms-1649	48	6	,	,	PUNCT
ajssms-1649	48	7	because	because	SCONJ
ajssms-1649	48	8	of	of	ADP
ajssms-1649	48	9	loan	loan	NOUN
ajssms-1649	48	10	losses	loss	NOUN
ajssms-1649	48	11	or	or	CCONJ
ajssms-1649	48	12	some	some	DET
ajssms-1649	48	13	other	other	ADJ
ajssms-1649	48	14	adverse	adverse	ADJ
ajssms-1649	48	15	shock	shock	NOUN
ajssms-1649	48	16	,	,	PUNCT
ajssms-1649	48	17	the	the	DET
ajssms-1649	48	18	bank	bank	NOUN
ajssms-1649	48	19	will	will	AUX
ajssms-1649	48	20	reduce	reduce	VERB
ajssms-1649	48	21	lending	lending	NOUN
ajssms-1649	48	22	because	because	SCONJ
ajssms-1649	48	23	the	the	DET
ajssms-1649	48	24	capital	capital	NOUN
ajssms-1649	48	25	requirement	requirement	NOUN
ajssms-1649	48	26	is	be	AUX
ajssms-1649	48	27	not	not	PART
ajssms-1649	48	28	currently	currently	ADV
ajssms-1649	48	29	binding	bind	VERB
ajssms-1649	48	30	.	.	PUNCT
ajssms-1649	49	1	the	the	DET
ajssms-1649	49	2	model	model	NOUN
ajssms-1649	49	3	shows	show	VERB
ajssms-1649	49	4	that	that	SCONJ
ajssms-1649	49	5	a	a	DET
ajssms-1649	49	6	low	low	ADJ
ajssms-1649	49	7	capitalized	capitalize	VERB
ajssms-1649	49	8	bank	bank	NOUN
ajssms-1649	49	9	may	may	AUX
ajssms-1649	49	10	optimally	optimally	ADV
ajssms-1649	49	11	forgo	forgo	VERB
ajssms-1649	49	12	profitable	profitable	ADJ
ajssms-1649	49	13	lending	lending	NOUN
ajssms-1649	49	14	opportunities	opportunity	NOUN
ajssms-1649	49	15	now	now	ADV
ajssms-1649	49	16	to	to	PART
ajssms-1649	49	17	lower	lower	VERB
ajssms-1649	49	18	the	the	DET
ajssms-1649	49	19	risk	risk	NOUN
ajssms-1649	49	20	of	of	ADP
ajssms-1649	49	21	future	future	ADJ
ajssms-1649	49	22	capital	capital	NOUN
ajssms-1649	49	23	inadequacy	inadequacy	NOUN
ajssms-1649	49	24	(	(	PUNCT
ajssms-1649	49	25	chami	chami	NOUN
ajssms-1649	49	26	&	&	CCONJ
ajssms-1649	49	27	cosimano	cosimano	PROPN
ajssms-1649	49	28	,	,	PUNCT
ajssms-1649	49	29	2001	2001	NUM
ajssms-1649	49	30	;	;	PUNCT
ajssms-1649	49	31	meh	meh	PROPN
ajssms-1649	49	32	&	&	CCONJ
ajssms-1649	49	33	moran	moran	PROPN
ajssms-1649	49	34	,	,	PUNCT
ajssms-1649	49	35	2010	2010	NUM
ajssms-1649	49	36	)	)	PUNCT
ajssms-1649	49	37	.	.	PUNCT
ajssms-1649	50	1	another	another	DET
ajssms-1649	50	2	important	important	ADJ
ajssms-1649	50	3	attribute	attribute	NOUN
ajssms-1649	50	4	of	of	ADP
ajssms-1649	50	5	the	the	DET
ajssms-1649	50	6	model	model	NOUN
ajssms-1649	50	7	is	be	AUX
ajssms-1649	50	8	the	the	DET
ajssms-1649	50	9	maturity	maturity	NOUN
ajssms-1649	50	10	transformation	transformation	NOUN
ajssms-1649	50	11	performed	perform	VERB
ajssms-1649	50	12	by	by	ADP
ajssms-1649	50	13	banks	bank	NOUN
ajssms-1649	50	14	,	,	PUNCT
ajssms-1649	50	15	exposing	expose	VERB
ajssms-1649	50	16	them	they	PRON
ajssms-1649	50	17	to	to	ADP
ajssms-1649	50	18	interest	interest	NOUN
ajssms-1649	50	19	rate	rate	NOUN
ajssms-1649	50	20	risk	risk	NOUN
ajssms-1649	50	21	.	.	PUNCT
ajssms-1649	51	1	the	the	DET
ajssms-1649	51	2	result	result	NOUN
ajssms-1649	51	3	of	of	ADP
ajssms-1649	51	4	this	this	PRON
ajssms-1649	51	5	is	be	AUX
ajssms-1649	51	6	a	a	DET
ajssms-1649	51	7	monetary	monetary	ADJ
ajssms-1649	51	8	tightening	tightening	NOUN
ajssms-1649	51	9	,	,	PUNCT
ajssms-1649	51	10	by	by	ADP
ajssms-1649	51	11	increasing	increase	VERB
ajssms-1649	51	12	the	the	DET
ajssms-1649	51	13	short	short	ADJ
ajssms-1649	51	14	term	term	NOUN
ajssms-1649	51	15	interest	interest	NOUN
ajssms-1649	51	16	rate	rate	NOUN
ajssms-1649	51	17	,	,	PUNCT
ajssms-1649	51	18	lowers	lower	VERB
ajssms-1649	51	19	bank	bank	NOUN
ajssms-1649	51	20	profits	profit	NOUN
ajssms-1649	51	21	.	.	PUNCT
ajssms-1649	52	1	unless	unless	SCONJ
ajssms-1649	52	2	the	the	DET
ajssms-1649	52	3	bank	bank	NOUN
ajssms-1649	52	4	can	can	AUX
ajssms-1649	52	5	decrease	decrease	VERB
ajssms-1649	52	6	dividends	dividend	NOUN
ajssms-1649	52	7	substantially	substantially	ADV
ajssms-1649	52	8	,	,	PUNCT
ajssms-1649	52	9	this	this	PRON
ajssms-1649	52	10	will	will	AUX
ajssms-1649	52	11	resist	resist	VERB
ajssms-1649	52	12	over	over	ADP
ajssms-1649	52	13	time	time	NOUN
ajssms-1649	52	14	or	or	CCONJ
ajssms-1649	52	15	cover	cover	VERB
ajssms-1649	52	16	bank	bank	NOUN
ajssms-1649	52	17	capital	capital	NOUN
ajssms-1649	52	18	given	give	VERB
ajssms-1649	52	19	the	the	DET
ajssms-1649	52	20	failure	failure	NOUN
ajssms-1649	52	21	of	of	ADP
ajssms-1649	52	22	the	the	DET
ajssms-1649	52	23	modigliani	modigliani	ADJ
ajssms-1649	52	24	and	and	CCONJ
ajssms-1649	52	25	miller	miller	PROPN
ajssms-1649	52	26	logic	logic	NOUN
ajssms-1649	52	27	for	for	ADP
ajssms-1649	52	28	less	less	ADJ
ajssms-1649	52	29	lending	lending	NOUN
ajssms-1649	52	30	.	.	PUNCT
ajssms-1649	53	1	thus	thus	ADV
ajssms-1649	53	2	monetary	monetary	ADJ
ajssms-1649	53	3	policy	policy	NOUN
ajssms-1649	53	4	affects	affect	VERB
ajssms-1649	53	5	the	the	DET
ajssms-1649	53	6	supply	supply	NOUN
ajssms-1649	53	7	of	of	ADP
ajssms-1649	53	8	bank	bank	NOUN
ajssms-1649	53	9	loans	loan	NOUN
ajssms-1649	53	10	through	through	ADP
ajssms-1649	53	11	its	its	PRON
ajssms-1649	53	12	effect	effect	NOUN
ajssms-1649	53	13	on	on	ADP
ajssms-1649	53	14	bank	bank	NOUN
ajssms-1649	53	15	equity	equity	NOUN
ajssms-1649	53	16	.	.	PUNCT
ajssms-1649	54	1	this	this	DET
ajssms-1649	54	2	dynamic	dynamic	ADJ
ajssms-1649	54	3	effect	effect	NOUN
ajssms-1649	54	4	of	of	ADP
ajssms-1649	54	5	the	the	DET
ajssms-1649	54	6	bank	bank	NOUN
ajssms-1649	54	7	capital	capital	NOUN
ajssms-1649	54	8	channelamplifies	channelamplifie	VERB
ajssms-1649	54	9	the	the	DET
ajssms-1649	54	10	standard	standard	ADJ
ajssms-1649	54	11	interest	interest	NOUN
ajssms-1649	54	12	rate	rate	NOUN
ajssms-1649	54	13	channel	channel	NOUN
ajssms-1649	54	14	of	of	ADP
ajssms-1649	54	15	monetary	monetary	ADJ
ajssms-1649	54	16	policy	policy	NOUN
ajssms-1649	54	17	.	.	PUNCT
ajssms-1649	55	1	2.3	2.3	NUM
ajssms-1649	55	2	.	.	PUNCT
ajssms-1649	55	3	capital	capital	NOUN
ajssms-1649	55	4	regulation	regulation	NOUN
ajssms-1649	55	5	and	and	CCONJ
ajssms-1649	55	6	risk	risk	NOUN
ajssms-1649	55	7	taking	take	VERB
ajssms-1649	55	8	behavior	behavior	NOUN
ajssms-1649	55	9	of	of	ADP
ajssms-1649	55	10	banks	bank	NOUN
ajssms-1649	55	11	in	in	ADP
ajssms-1649	55	12	nigeria	nigeria	PROPN
ajssms-1649	55	13	several	several	ADJ
ajssms-1649	55	14	scholars	scholar	NOUN
ajssms-1649	55	15	have	have	AUX
ajssms-1649	55	16	documented	document	VERB
ajssms-1649	55	17	that	that	SCONJ
ajssms-1649	55	18	the	the	DET
ajssms-1649	55	19	function	function	NOUN
ajssms-1649	55	20	of	of	ADP
ajssms-1649	55	21	bank	bank	NOUN
ajssms-1649	55	22	capital	capital	NOUN
ajssms-1649	55	23	is	be	AUX
ajssms-1649	55	24	to	to	PART
ajssms-1649	55	25	reduce	reduce	VERB
ajssms-1649	55	26	bank	bank	NOUN
ajssms-1649	55	27	risk	risk	NOUN
ajssms-1649	55	28	(	(	PUNCT
ajssms-1649	55	29	adewumi	adewumi	NOUN
ajssms-1649	55	30	,	,	PUNCT
ajssms-1649	55	31	1997	1997	NUM
ajssms-1649	55	32	;	;	PUNCT
ajssms-1649	55	33	altman	altman	PROPN
ajssms-1649	55	34	,	,	PUNCT
ajssms-1649	55	35	bharath	bharath	PROPN
ajssms-1649	55	36	,	,	PUNCT
ajssms-1649	55	37	&	&	CCONJ
ajssms-1649	55	38	saunders	saunder	NOUN
ajssms-1649	55	39	,	,	PUNCT
ajssms-1649	55	40	2002	2002	NUM
ajssms-1649	55	41	;	;	PUNCT
ajssms-1649	55	42	berger	berger	PROPN
ajssms-1649	55	43	,	,	PUNCT
ajssms-1649	55	44	herring	herring	PROPN
ajssms-1649	55	45	,	,	PUNCT
ajssms-1649	55	46	&	&	CCONJ
ajssms-1649	55	47	szegö	szegö	PROPN
ajssms-1649	55	48	,	,	PUNCT
ajssms-1649	55	49	1995	1995	NUM
ajssms-1649	55	50	;	;	PUNCT
ajssms-1649	55	51	koch	koch	PROPN
ajssms-1649	55	52	&	&	CCONJ
ajssms-1649	55	53	macdonald	macdonald	PROPN
ajssms-1649	55	54	,	,	PUNCT
ajssms-1649	55	55	2015	2015	NUM
ajssms-1649	55	56	;	;	PUNCT
ajssms-1649	55	57	peek	peek	PROPN
ajssms-1649	55	58	&	&	CCONJ
ajssms-1649	55	59	rosengren	rosengren	PROPN
ajssms-1649	55	60	,	,	PUNCT
ajssms-1649	55	61	1995	1995	NUM
ajssms-1649	55	62	)	)	PUNCT
ajssms-1649	55	63	.	.	PUNCT
ajssms-1649	56	1	a	a	DET
ajssms-1649	56	2	bank	bank	NOUN
ajssms-1649	56	3	that	that	PRON
ajssms-1649	56	4	is	be	AUX
ajssms-1649	56	5	adequately	adequately	ADV
ajssms-1649	56	6	capitalized	capitalize	VERB
ajssms-1649	56	7	can	can	AUX
ajssms-1649	56	8	reduce	reduce	VERB
ajssms-1649	56	9	bank	bank	NOUN
ajssms-1649	56	10	risk	risk	NOUN
ajssms-1649	56	11	in	in	ADP
ajssms-1649	56	12	the	the	DET
ajssms-1649	56	13	following	following	ADJ
ajssms-1649	56	14	ways	way	NOUN
ajssms-1649	56	15	:	:	PUNCT
ajssms-1649	56	16	i.	i.	NOUN
ajssms-1649	56	17	by	by	ADP
ajssms-1649	56	18	providing	provide	VERB
ajssms-1649	56	19	a	a	DET
ajssms-1649	56	20	cushion	cushion	NOUN
ajssms-1649	56	21	to	to	PART
ajssms-1649	56	22	absorb	absorb	VERB
ajssms-1649	56	23	bank	bank	NOUN
ajssms-1649	56	24	losses	loss	NOUN
ajssms-1649	56	25	.	.	PUNCT
ajssms-1649	57	1	in	in	ADP
ajssms-1649	57	2	this	this	DET
ajssms-1649	57	3	regard	regard	NOUN
ajssms-1649	57	4	,	,	PUNCT
ajssms-1649	57	5	losses	loss	NOUN
ajssms-1649	57	6	occasioned	occasion	VERB
ajssms-1649	57	7	by	by	ADP
ajssms-1649	57	8	bad	bad	ADJ
ajssms-1649	57	9	loans	loan	NOUN
ajssms-1649	57	10	,	,	PUNCT
ajssms-1649	57	11	poor	poor	ADJ
ajssms-1649	57	12	securities	security	NOUN
ajssms-1649	57	13	investment	investment	NOUN
ajssms-1649	57	14	,	,	PUNCT
ajssms-1649	57	15	criminal	criminal	ADJ
ajssms-1649	57	16	and	and	CCONJ
ajssms-1649	57	17	management	management	NOUN
ajssms-1649	57	18	misjudgment	misjudgment	NOUN
ajssms-1649	57	19	are	be	AUX
ajssms-1649	57	20	cushioned	cushion	VERB
ajssms-1649	57	21	which	which	PRON
ajssms-1649	57	22	allows	allow	VERB
ajssms-1649	57	23	the	the	DET
ajssms-1649	57	24	banks	bank	NOUN
ajssms-1649	57	25	to	to	PART
ajssms-1649	57	26	continue	continue	VERB
ajssms-1649	57	27	in	in	ADP
ajssms-1649	57	28	its	its	PRON
ajssms-1649	57	29	operations	operation	NOUN
ajssms-1649	57	30	and	and	CCONJ
ajssms-1649	57	31	in	in	ADP
ajssms-1649	57	32	the	the	DET
ajssms-1649	57	33	process	process	NOUN
ajssms-1649	57	34	the	the	DET
ajssms-1649	57	35	said	say	VERB
ajssms-1649	57	36	losses	loss	NOUN
ajssms-1649	57	37	are	be	AUX
ajssms-1649	57	38	either	either	ADV
ajssms-1649	57	39	corrected	correct	VERB
ajssms-1649	57	40	or	or	CCONJ
ajssms-1649	57	41	recovered	recover	VERB
ajssms-1649	57	42	.	.	PUNCT
ajssms-1649	58	1	the	the	DET
ajssms-1649	58	2	bank‟s	bank‟s	ADJ
ajssms-1649	58	3	capital	capital	NOUN
ajssms-1649	58	4	is	be	AUX
ajssms-1649	58	5	said	say	VERB
ajssms-1649	58	6	to	to	PART
ajssms-1649	58	7	be	be	AUX
ajssms-1649	58	8	the	the	DET
ajssms-1649	58	9	last	last	ADJ
ajssms-1649	58	10	resort	resort	NOUN
ajssms-1649	58	11	against	against	ADP
ajssms-1649	58	12	failures	failure	NOUN
ajssms-1649	58	13	.	.	PUNCT
ajssms-1649	59	1	asian	asian	ADJ
ajssms-1649	59	2	journal	journal	NOUN
ajssms-1649	59	3	of	of	ADP
ajssms-1649	59	4	social	social	ADJ
ajssms-1649	59	5	sciences	sciences	PROPN
ajssms-1649	59	6	and	and	CCONJ
ajssms-1649	59	7	management	management	NOUN
ajssms-1649	59	8	studies	study	NOUN
ajssms-1649	59	9	,	,	PUNCT
ajssms-1649	59	10	2020	2020	NUM
ajssms-1649	59	11	,	,	PUNCT
ajssms-1649	59	12	7(2	7(2	NUM
ajssms-1649	59	13	):	):	PUNCT
ajssms-1649	59	14	124	124	NUM
ajssms-1649	59	15	-	-	SYM
ajssms-1649	59	16	134	134	NUM
ajssms-1649	59	17	126	126	NUM
ajssms-1649	59	18	©	©	PROPN
ajssms-1649	59	19	2020	2020	NUM
ajssms-1649	59	20	by	by	ADP
ajssms-1649	59	21	the	the	DET
ajssms-1649	59	22	authors	author	NOUN
ajssms-1649	59	23	;	;	PUNCT
ajssms-1649	59	24	licensee	licensee	PROPN
ajssms-1649	59	25	asian	asian	ADJ
ajssms-1649	59	26	online	online	PROPN
ajssms-1649	59	27	journal	journal	PROPN
ajssms-1649	59	28	publishing	publishing	PROPN
ajssms-1649	59	29	group	group	PROPN
ajssms-1649	59	30	ii	ii	PROPN
ajssms-1649	59	31	.	.	PUNCT
ajssms-1649	60	1	by	by	ADP
ajssms-1649	60	2	building	build	VERB
ajssms-1649	60	3	depositors	depositor	NOUN
ajssms-1649	60	4	and	and	CCONJ
ajssms-1649	60	5	general	general	ADJ
ajssms-1649	60	6	public	public	ADJ
ajssms-1649	60	7	confidence	confidence	NOUN
ajssms-1649	60	8	on	on	ADP
ajssms-1649	60	9	the	the	DET
ajssms-1649	60	10	banks	bank	NOUN
ajssms-1649	60	11	institutions	institution	NOUN
ajssms-1649	60	12	and	and	CCONJ
ajssms-1649	60	13	creditors	creditor	NOUN
ajssms-1649	60	14	reassurance	reassurance	NOUN
ajssms-1649	60	15	by	by	ADP
ajssms-1649	60	16	adequate	adequate	ADJ
ajssms-1649	60	17	capital	capital	NOUN
ajssms-1649	60	18	(	(	PUNCT
ajssms-1649	60	19	adewumi	adewumi	NOUN
ajssms-1649	60	20	,	,	PUNCT
ajssms-1649	60	21	1997	1997	NUM
ajssms-1649	60	22	)	)	PUNCT
ajssms-1649	60	23	.	.	PUNCT
ajssms-1649	61	1	iii	iii	X
ajssms-1649	61	2	.	.	PROPN
ajssms-1649	61	3	adequate	adequate	ADJ
ajssms-1649	61	4	capital	capital	NOUN
ajssms-1649	61	5	serves	serve	VERB
ajssms-1649	61	6	as	as	ADP
ajssms-1649	61	7	a	a	DET
ajssms-1649	61	8	regulator	regulator	NOUN
ajssms-1649	61	9	of	of	ADP
ajssms-1649	61	10	bank‟s	bank‟s	ADJ
ajssms-1649	61	11	growth	growth	NOUN
ajssms-1649	61	12	.	.	PUNCT
ajssms-1649	62	1	peek	peek	NOUN
ajssms-1649	62	2	.	.	PUNCT
ajssms-1649	63	1	and	and	CCONJ
ajssms-1649	63	2	rosengren	rosengren	PROPN
ajssms-1649	63	3	(	(	PUNCT
ajssms-1649	63	4	1995	1995	NUM
ajssms-1649	63	5	)	)	PUNCT
ajssms-1649	63	6	found	find	VERB
ajssms-1649	63	7	that	that	SCONJ
ajssms-1649	63	8	hundreds	hundred	NOUN
ajssms-1649	63	9	of	of	ADP
ajssms-1649	63	10	smaller	small	ADJ
ajssms-1649	63	11	banks	bank	NOUN
ajssms-1649	63	12	with	with	ADP
ajssms-1649	63	13	weak	weak	ADJ
ajssms-1649	63	14	capital	capital	NOUN
ajssms-1649	63	15	base	base	NOUN
ajssms-1649	63	16	went	go	VERB
ajssms-1649	63	17	under	under	ADV
ajssms-1649	63	18	through	through	ADP
ajssms-1649	63	19	mergers	merger	NOUN
ajssms-1649	63	20	because	because	SCONJ
ajssms-1649	63	21	of	of	ADP
ajssms-1649	63	22	burgeoning	burgeon	VERB
ajssms-1649	63	23	growth	growth	NOUN
ajssms-1649	63	24	in	in	ADP
ajssms-1649	63	25	large	large	ADJ
ajssms-1649	63	26	business	business	NOUN
ajssms-1649	63	27	loans	loan	NOUN
ajssms-1649	63	28	,	,	PUNCT
ajssms-1649	63	29	which	which	PRON
ajssms-1649	63	30	could	could	AUX
ajssms-1649	63	31	only	only	ADV
ajssms-1649	63	32	be	be	AUX
ajssms-1649	63	33	made	make	VERB
ajssms-1649	63	34	by	by	ADP
ajssms-1649	63	35	banks	bank	NOUN
ajssms-1649	63	36	with	with	ADP
ajssms-1649	63	37	stronger	strong	ADJ
ajssms-1649	63	38	or	or	CCONJ
ajssms-1649	63	39	adequate	adequate	ADJ
ajssms-1649	63	40	capital	capital	NOUN
ajssms-1649	63	41	base	base	NOUN
ajssms-1649	63	42	.	.	PUNCT
ajssms-1649	64	1	iv	iv	X
ajssms-1649	64	2	.	.	PUNCT
ajssms-1649	65	1	the	the	DET
ajssms-1649	65	2	nigerian	nigerian	ADJ
ajssms-1649	65	3	banking	banking	NOUN
ajssms-1649	65	4	laws	law	NOUN
ajssms-1649	65	5	however	however	ADV
ajssms-1649	65	6	stipulates	stipulate	VERB
ajssms-1649	65	7	that	that	SCONJ
ajssms-1649	65	8	the	the	DET
ajssms-1649	65	9	maximum	maximum	ADJ
ajssms-1649	65	10	loan	loan	NOUN
ajssms-1649	65	11	that	that	PRON
ajssms-1649	65	12	can	can	AUX
ajssms-1649	65	13	be	be	AUX
ajssms-1649	65	14	given	give	VERB
ajssms-1649	65	15	to	to	ADP
ajssms-1649	65	16	a	a	DET
ajssms-1649	65	17	single	single	ADJ
ajssms-1649	65	18	borrower	borrower	NOUN
ajssms-1649	65	19	must	must	AUX
ajssms-1649	65	20	not	not	PART
ajssms-1649	65	21	be	be	AUX
ajssms-1649	65	22	more	more	ADJ
ajssms-1649	65	23	than	than	ADP
ajssms-1649	65	24	20	20	NUM
ajssms-1649	65	25	%	%	NOUN
ajssms-1649	65	26	of	of	ADP
ajssms-1649	65	27	the	the	DET
ajssms-1649	65	28	shareholders‟	shareholders‟	NOUN
ajssms-1649	65	29	fund	fund	NOUN
ajssms-1649	65	30	unimpaired	unimpaire	VERB
ajssms-1649	65	31	by	by	ADP
ajssms-1649	65	32	losses	loss	NOUN
ajssms-1649	65	33	.	.	PUNCT
ajssms-1649	66	1	also	also	ADV
ajssms-1649	66	2	banks	bank	NOUN
ajssms-1649	66	3	that	that	PRON
ajssms-1649	66	4	fail	fail	VERB
ajssms-1649	66	5	to	to	PART
ajssms-1649	66	6	maintain	maintain	VERB
ajssms-1649	66	7	the	the	DET
ajssms-1649	66	8	required	require	VERB
ajssms-1649	66	9	minimum	minimum	ADJ
ajssms-1649	66	10	capital	capital	NOUN
ajssms-1649	66	11	ratios	ratio	NOUN
ajssms-1649	66	12	are	be	AUX
ajssms-1649	66	13	prohibited	prohibit	VERB
ajssms-1649	66	14	from	from	ADP
ajssms-1649	66	15	advertising	advertising	NOUN
ajssms-1649	66	16	for	for	ADP
ajssms-1649	66	17	or	or	CCONJ
ajssms-1649	66	18	accepting	accept	VERB
ajssms-1649	66	19	new	new	ADJ
ajssms-1649	66	20	deposits	deposit	NOUN
ajssms-1649	66	21	,	,	PUNCT
ajssms-1649	66	22	granting	grant	VERB
ajssms-1649	66	23	of	of	ADP
ajssms-1649	66	24	credit	credit	NOUN
ajssms-1649	66	25	,	,	PUNCT
ajssms-1649	66	26	making	make	VERB
ajssms-1649	66	27	investment	investment	NOUN
ajssms-1649	66	28	and	and	CCONJ
ajssms-1649	66	29	paying	pay	VERB
ajssms-1649	66	30	cash	cash	NOUN
ajssms-1649	66	31	dividend	dividend	NOUN
ajssms-1649	66	32	to	to	ADP
ajssms-1649	66	33	shareholders	shareholder	NOUN
ajssms-1649	66	34	.	.	PUNCT
ajssms-1649	67	1	furthermore	furthermore	ADV
ajssms-1649	67	2	,	,	PUNCT
ajssms-1649	67	3	it	it	PRON
ajssms-1649	67	4	is	be	AUX
ajssms-1649	67	5	expedient	expedient	ADJ
ajssms-1649	67	6	to	to	ADP
ajssms-1649	67	7	state	state	NOUN
ajssms-1649	67	8	that	that	SCONJ
ajssms-1649	67	9	the	the	DET
ajssms-1649	67	10	bank	bank	NOUN
ajssms-1649	67	11	capital	capital	PROPN
ajssms-1649	67	12	channel	channel	NOUN
ajssms-1649	67	13	plays	play	VERB
ajssms-1649	67	14	a	a	DET
ajssms-1649	67	15	critical	critical	ADJ
ajssms-1649	67	16	role	role	NOUN
ajssms-1649	67	17	in	in	ADP
ajssms-1649	67	18	its	its	PRON
ajssms-1649	67	19	lending	lending	NOUN
ajssms-1649	67	20	behavior	behavior	NOUN
ajssms-1649	67	21	.	.	PUNCT
ajssms-1649	68	1	banks	bank	NOUN
ajssms-1649	68	2	with	with	ADP
ajssms-1649	68	3	higher	high	ADJ
ajssms-1649	68	4	level	level	NOUN
ajssms-1649	68	5	of	of	ADP
ajssms-1649	68	6	capital	capital	NOUN
ajssms-1649	68	7	are	be	AUX
ajssms-1649	68	8	in	in	ADP
ajssms-1649	68	9	a	a	DET
ajssms-1649	68	10	better	well	ADJ
ajssms-1649	68	11	position	position	NOUN
ajssms-1649	68	12	to	to	PART
ajssms-1649	68	13	absorb	absorb	VERB
ajssms-1649	68	14	shock	shock	NOUN
ajssms-1649	68	15	,	,	PUNCT
ajssms-1649	68	16	losses	loss	NOUN
ajssms-1649	68	17	and	and	CCONJ
ajssms-1649	68	18	repay	repay	VERB
ajssms-1649	68	19	deposit	deposit	NOUN
ajssms-1649	68	20	in	in	ADP
ajssms-1649	68	21	a	a	DET
ajssms-1649	68	22	timely	timely	ADJ
ajssms-1649	68	23	manner	manner	NOUN
ajssms-1649	68	24	(	(	PUNCT
ajssms-1649	68	25	bhatta	bhatta	NOUN
ajssms-1649	68	26	,	,	PUNCT
ajssms-1649	68	27	2015	2015	NUM
ajssms-1649	68	28	)	)	PUNCT
ajssms-1649	68	29	.	.	PUNCT
ajssms-1649	69	1	admati	admati	PROPN
ajssms-1649	69	2	et	et	PROPN
ajssms-1649	69	3	al	al	PROPN
ajssms-1649	69	4	.	.	PROPN
ajssms-1649	70	1	(	(	PUNCT
ajssms-1649	70	2	2010	2010	NUM
ajssms-1649	70	3	)	)	PUNCT
ajssms-1649	70	4	asserted	assert	VERB
ajssms-1649	70	5	that	that	SCONJ
ajssms-1649	70	6	the	the	DET
ajssms-1649	70	7	role	role	NOUN
ajssms-1649	70	8	of	of	ADP
ajssms-1649	70	9	bank	bank	NOUN
ajssms-1649	70	10	equity	equity	NOUN
ajssms-1649	70	11	became	became	AUX
ajssms-1649	70	12	highly	highly	ADV
ajssms-1649	70	13	recognized	recognize	VERB
ajssms-1649	70	14	after	after	ADP
ajssms-1649	70	15	the	the	DET
ajssms-1649	70	16	2008	2008	NUM
ajssms-1649	70	17	financial	financial	ADJ
ajssms-1649	70	18	crises	crisis	NOUN
ajssms-1649	70	19	.	.	PUNCT
ajssms-1649	71	1	the	the	DET
ajssms-1649	71	2	crises	crisis	NOUN
ajssms-1649	71	3	have	have	AUX
ajssms-1649	71	4	apparently	apparently	ADV
ajssms-1649	71	5	strengthened	strengthen	VERB
ajssms-1649	71	6	the	the	DET
ajssms-1649	71	7	fact	fact	NOUN
ajssms-1649	71	8	that	that	SCONJ
ajssms-1649	71	9	highly	highly	ADV
ajssms-1649	71	10	leveraged	leverage	VERB
ajssms-1649	71	11	banks	bank	NOUN
ajssms-1649	71	12	do	do	AUX
ajssms-1649	71	13	not	not	PART
ajssms-1649	71	14	create	create	VERB
ajssms-1649	71	15	negative	negative	ADJ
ajssms-1649	71	16	externalities	externality	NOUN
ajssms-1649	71	17	.	.	PUNCT
ajssms-1649	72	1	the	the	DET
ajssms-1649	72	2	works	work	NOUN
ajssms-1649	72	3	of	of	ADP
ajssms-1649	72	4	peek	peek	NOUN
ajssms-1649	72	5	and	and	CCONJ
ajssms-1649	72	6	rosengren	rosengren	PROPN
ajssms-1649	72	7	(	(	PUNCT
ajssms-1649	72	8	1995	1995	NUM
ajssms-1649	72	9	)	)	PUNCT
ajssms-1649	72	10	and	and	CCONJ
ajssms-1649	72	11	woo	woo	VERB
ajssms-1649	72	12	(	(	PUNCT
ajssms-1649	72	13	2003	2003	NUM
ajssms-1649	72	14	)	)	PUNCT
ajssms-1649	72	15	based	base	VERB
ajssms-1649	72	16	in	in	ADP
ajssms-1649	72	17	japan	japan	PROPN
ajssms-1649	72	18	investigated	investigate	VERB
ajssms-1649	72	19	whether	whether	SCONJ
ajssms-1649	72	20	negative	negative	ADJ
ajssms-1649	72	21	shocks	shock	NOUN
ajssms-1649	72	22	to	to	ADP
ajssms-1649	72	23	capital	capital	NOUN
ajssms-1649	72	24	induced	induce	VERB
ajssms-1649	72	25	in	in	ADP
ajssms-1649	72	26	the	the	DET
ajssms-1649	72	27	above	above	ADJ
ajssms-1649	72	28	countries	country	NOUN
ajssms-1649	72	29	banks	bank	NOUN
ajssms-1649	72	30	restricts	restrict	VERB
ajssms-1649	72	31	lending	lending	NOUN
ajssms-1649	72	32	.	.	PUNCT
ajssms-1649	73	1	the	the	DET
ajssms-1649	73	2	studies	study	NOUN
ajssms-1649	73	3	provided	provide	VERB
ajssms-1649	73	4	evidence	evidence	NOUN
ajssms-1649	73	5	that	that	SCONJ
ajssms-1649	73	6	negative	negative	ADJ
ajssms-1649	73	7	shocks	shock	NOUN
ajssms-1649	73	8	to	to	ADP
ajssms-1649	73	9	bank	bank	NOUN
ajssms-1649	73	10	capital	capital	NOUN
ajssms-1649	73	11	leads	lead	VERB
ajssms-1649	73	12	to	to	ADP
ajssms-1649	73	13	significant	significant	ADJ
ajssms-1649	73	14	decline	decline	NOUN
ajssms-1649	73	15	in	in	ADP
ajssms-1649	73	16	lending	lending	NOUN
ajssms-1649	73	17	.	.	PUNCT
ajssms-1649	74	1	similarly	similarly	ADV
ajssms-1649	74	2	,	,	PUNCT
ajssms-1649	74	3	there	there	PRON
ajssms-1649	74	4	has	have	AUX
ajssms-1649	74	5	been	be	AUX
ajssms-1649	74	6	a	a	DET
ajssms-1649	74	7	debate	debate	NOUN
ajssms-1649	74	8	in	in	ADP
ajssms-1649	74	9	literature	literature	NOUN
ajssms-1649	74	10	as	as	ADP
ajssms-1649	74	11	to	to	ADP
ajssms-1649	74	12	whether	whether	SCONJ
ajssms-1649	74	13	stifling	stifle	VERB
ajssms-1649	74	14	of	of	ADP
ajssms-1649	74	15	bank	bank	NOUN
ajssms-1649	74	16	capital	capital	NOUN
ajssms-1649	74	17	would	would	AUX
ajssms-1649	74	18	lead	lead	VERB
ajssms-1649	74	19	to	to	ADP
ajssms-1649	74	20	a	a	DET
ajssms-1649	74	21	contraction	contraction	NOUN
ajssms-1649	74	22	of	of	ADP
ajssms-1649	74	23	bank	bank	NOUN
ajssms-1649	74	24	loans	loan	NOUN
ajssms-1649	74	25	supply	supply	NOUN
ajssms-1649	74	26	during	during	ADP
ajssms-1649	74	27	recession	recession	NOUN
ajssms-1649	74	28	.	.	PUNCT
ajssms-1649	75	1	it	it	PRON
ajssms-1649	75	2	was	be	AUX
ajssms-1649	75	3	found	find	VERB
ajssms-1649	75	4	that	that	SCONJ
ajssms-1649	75	5	during	during	ADP
ajssms-1649	75	6	recession	recession	NOUN
ajssms-1649	75	7	,	,	PUNCT
ajssms-1649	75	8	bank	bank	NOUN
ajssms-1649	75	9	loans	loan	NOUN
ajssms-1649	75	10	supply	supply	NOUN
ajssms-1649	75	11	was	be	AUX
ajssms-1649	75	12	contracted	contract	VERB
ajssms-1649	75	13	due	due	ADP
ajssms-1649	75	14	to	to	ADP
ajssms-1649	75	15	stifling	stifle	VERB
ajssms-1649	75	16	of	of	ADP
ajssms-1649	75	17	capital	capital	NOUN
ajssms-1649	75	18	.	.	PUNCT
ajssms-1649	76	1	using	use	VERB
ajssms-1649	76	2	different	different	ADJ
ajssms-1649	76	3	methodologies	methodology	NOUN
ajssms-1649	76	4	,	,	PUNCT
ajssms-1649	76	5	various	various	ADJ
ajssms-1649	76	6	scholars	scholar	NOUN
ajssms-1649	76	7	have	have	AUX
ajssms-1649	76	8	shown	show	VERB
ajssms-1649	76	9	that	that	SCONJ
ajssms-1649	76	10	loan	loan	NOUN
ajssms-1649	76	11	growth	growth	NOUN
ajssms-1649	76	12	at	at	ADP
ajssms-1649	76	13	individual	individual	ADJ
ajssms-1649	76	14	banks	bank	NOUN
ajssms-1649	76	15	were	be	AUX
ajssms-1649	76	16	positively	positively	ADV
ajssms-1649	76	17	related	relate	VERB
ajssms-1649	76	18	to	to	ADP
ajssms-1649	76	19	the	the	DET
ajssms-1649	76	20	initial	initial	ADJ
ajssms-1649	76	21	capital	capital	NOUN
ajssms-1649	76	22	ratio	ratio	NOUN
ajssms-1649	76	23	(	(	PUNCT
ajssms-1649	76	24	bernanke	bernanke	PROPN
ajssms-1649	76	25	.	.	PROPN
ajssms-1649	76	26	&	&	CCONJ
ajssms-1649	76	27	lown	lown	PROPN
ajssms-1649	76	28	,	,	PUNCT
ajssms-1649	76	29	1991	1991	NUM
ajssms-1649	76	30	)	)	PUNCT
ajssms-1649	76	31	.	.	PUNCT
ajssms-1649	77	1	furthermore	furthermore	ADV
ajssms-1649	77	2	they	they	PRON
ajssms-1649	77	3	argued	argue	VERB
ajssms-1649	77	4	that	that	SCONJ
ajssms-1649	77	5	capital	capital	NOUN
ajssms-1649	77	6	unconstrained	unconstraine	VERB
ajssms-1649	77	7	banks	bank	NOUN
ajssms-1649	77	8	could	could	AUX
ajssms-1649	77	9	react	react	VERB
ajssms-1649	77	10	to	to	ADP
ajssms-1649	77	11	negative	negative	ADJ
ajssms-1649	77	12	shocks	shock	NOUN
ajssms-1649	77	13	to	to	ADP
ajssms-1649	77	14	capital	capital	NOUN
ajssms-1649	77	15	by	by	ADP
ajssms-1649	77	16	increasing	increase	VERB
ajssms-1649	77	17	deposit	deposit	NOUN
ajssms-1649	77	18	taking	taking	NOUN
ajssms-1649	77	19	.	.	PUNCT
ajssms-1649	78	1	when	when	SCONJ
ajssms-1649	78	2	banks	bank	NOUN
ajssms-1649	78	3	are	be	AUX
ajssms-1649	78	4	not	not	PART
ajssms-1649	78	5	capital	capital	NOUN
ajssms-1649	78	6	constrained	constrain	VERB
ajssms-1649	78	7	there	there	PRON
ajssms-1649	78	8	is	be	VERB
ajssms-1649	78	9	an	an	DET
ajssms-1649	78	10	expectation	expectation	NOUN
ajssms-1649	78	11	of	of	ADP
ajssms-1649	78	12	negative	negative	ADJ
ajssms-1649	78	13	linkage	linkage	NOUN
ajssms-1649	78	14	between	between	ADP
ajssms-1649	78	15	shocks	shock	NOUN
ajssms-1649	78	16	to	to	ADP
ajssms-1649	78	17	capital	capital	NOUN
ajssms-1649	78	18	and	and	CCONJ
ajssms-1649	78	19	deposit	deposit	NOUN
ajssms-1649	78	20	taking	taking	NOUN
ajssms-1649	78	21	.	.	PUNCT
ajssms-1649	79	1	on	on	ADP
ajssms-1649	79	2	the	the	DET
ajssms-1649	79	3	contrary	contrary	NOUN
ajssms-1649	79	4	they	they	PRON
ajssms-1649	79	5	document	document	VERB
ajssms-1649	79	6	a	a	DET
ajssms-1649	79	7	positive	positive	ADJ
ajssms-1649	79	8	link	link	NOUN
ajssms-1649	79	9	between	between	ADP
ajssms-1649	79	10	shocks	shock	NOUN
ajssms-1649	79	11	to	to	ADP
ajssms-1649	79	12	capital	capital	NOUN
ajssms-1649	79	13	and	and	CCONJ
ajssms-1649	79	14	the	the	DET
ajssms-1649	79	15	dynamics	dynamic	NOUN
ajssms-1649	79	16	of	of	ADP
ajssms-1649	79	17	deposit	deposit	NOUN
ajssms-1649	79	18	.	.	PUNCT
ajssms-1649	80	1	berger	berger	PROPN
ajssms-1649	80	2	.	.	PUNCT
ajssms-1649	81	1	and	and	CCONJ
ajssms-1649	81	2	udell	udell	PROPN
ajssms-1649	81	3	(	(	PUNCT
ajssms-1649	81	4	1994	1994	NUM
ajssms-1649	81	5	)	)	PUNCT
ajssms-1649	81	6	concluded	conclude	VERB
ajssms-1649	81	7	that	that	SCONJ
ajssms-1649	81	8	expansion	expansion	NOUN
ajssms-1649	81	9	of	of	ADP
ajssms-1649	81	10	loan	loan	NOUN
ajssms-1649	81	11	was	be	AUX
ajssms-1649	81	12	lower	low	ADJ
ajssms-1649	81	13	for	for	ADP
ajssms-1649	81	14	less	less	ADV
ajssms-1649	81	15	capitalized	capitalize	VERB
ajssms-1649	81	16	banks	bank	NOUN
ajssms-1649	81	17	but	but	CCONJ
ajssms-1649	81	18	do	do	AUX
ajssms-1649	81	19	not	not	PART
ajssms-1649	81	20	detect	detect	VERB
ajssms-1649	81	21	the	the	DET
ajssms-1649	81	22	sensitivity	sensitivity	NOUN
ajssms-1649	81	23	of	of	ADP
ajssms-1649	81	24	loan	loan	NOUN
ajssms-1649	81	25	expansion	expansion	NOUN
ajssms-1649	81	26	to	to	ADP
ajssms-1649	81	27	capital	capital	NOUN
ajssms-1649	81	28	ratio	ratio	NOUN
ajssms-1649	81	29	during	during	ADP
ajssms-1649	81	30	recession	recession	NOUN
ajssms-1649	81	31	and	and	CCONJ
ajssms-1649	81	32	favors	favor	VERB
ajssms-1649	81	33	the	the	DET
ajssms-1649	81	34	hypothesis	hypothesis	NOUN
ajssms-1649	81	35	that	that	PRON
ajssms-1649	81	36	capital	capital	NOUN
ajssms-1649	81	37	crunch	crunch	NOUN
ajssms-1649	81	38	adversely	adversely	ADV
ajssms-1649	81	39	affects	affect	VERB
ajssms-1649	81	40	loans	loan	NOUN
ajssms-1649	81	41	expansion	expansion	NOUN
ajssms-1649	81	42	during	during	ADP
ajssms-1649	81	43	the	the	DET
ajssms-1649	81	44	1990s	1990s	NUM
ajssms-1649	81	45	.	.	PUNCT
ajssms-1649	82	1	2.4	2.4	NUM
ajssms-1649	82	2	.	.	PUNCT
ajssms-1649	83	1	empirical	empirical	ADJ
ajssms-1649	83	2	evidence	evidence	NOUN
ajssms-1649	83	3	it	it	PRON
ajssms-1649	83	4	has	have	AUX
ajssms-1649	83	5	been	be	AUX
ajssms-1649	83	6	well	well	ADV
ajssms-1649	83	7	documented	document	VERB
ajssms-1649	83	8	that	that	SCONJ
ajssms-1649	83	9	undercapitalized	undercapitalized	ADJ
ajssms-1649	83	10	banks	bank	NOUN
ajssms-1649	83	11	reduce	reduce	VERB
ajssms-1649	83	12	their	their	PRON
ajssms-1649	83	13	lending	lending	NOUN
ajssms-1649	83	14	more	more	ADJ
ajssms-1649	83	15	than	than	ADP
ajssms-1649	83	16	well	well	ADV
ajssms-1649	83	17	-	-	PUNCT
ajssms-1649	83	18	capitalized	capitalize	VERB
ajssms-1649	83	19	ones	one	NOUN
ajssms-1649	83	20	.	.	PUNCT
ajssms-1649	84	1	using	use	VERB
ajssms-1649	84	2	cross	cross	ADJ
ajssms-1649	84	3	-	-	ADJ
ajssms-1649	84	4	sectional	sectional	ADJ
ajssms-1649	84	5	bank	bank	NOUN
ajssms-1649	84	6	level	level	NOUN
ajssms-1649	84	7	data	datum	NOUN
ajssms-1649	84	8	,	,	PUNCT
ajssms-1649	84	9	bernanke	bernanke	PROPN
ajssms-1649	84	10	.	.	PUNCT
ajssms-1649	85	1	and	and	CCONJ
ajssms-1649	85	2	lown	lown	PROPN
ajssms-1649	85	3	(	(	PUNCT
ajssms-1649	85	4	1991	1991	NUM
ajssms-1649	85	5	)	)	PUNCT
ajssms-1649	85	6	showed	show	VERB
ajssms-1649	85	7	that	that	SCONJ
ajssms-1649	85	8	loan	loan	NOUN
ajssms-1649	85	9	growth	growth	NOUN
ajssms-1649	85	10	between	between	ADP
ajssms-1649	85	11	the	the	DET
ajssms-1649	85	12	second	second	ADJ
ajssms-1649	85	13	quarter	quarter	NOUN
ajssms-1649	85	14	of	of	ADP
ajssms-1649	85	15	1990	1990	NUM
ajssms-1649	85	16	and	and	CCONJ
ajssms-1649	85	17	the	the	DET
ajssms-1649	85	18	first	first	ADJ
ajssms-1649	85	19	quarter	quarter	NOUN
ajssms-1649	85	20	of	of	ADP
ajssms-1649	85	21	1991	1991	NUM
ajssms-1649	85	22	was	be	AUX
ajssms-1649	85	23	positively	positively	ADV
ajssms-1649	85	24	correlated	correlate	VERB
ajssms-1649	85	25	with	with	ADP
ajssms-1649	85	26	banks‟	banks‟	ADP
ajssms-1649	85	27	capital	capital	NOUN
ajssms-1649	85	28	ratios	ratio	NOUN
ajssms-1649	85	29	at	at	ADP
ajssms-1649	85	30	the	the	DET
ajssms-1649	85	31	beginning	beginning	NOUN
ajssms-1649	85	32	of	of	ADP
ajssms-1649	85	33	the	the	DET
ajssms-1649	85	34	period	period	NOUN
ajssms-1649	85	35	.	.	PUNCT
ajssms-1649	86	1	berger	berger	PROPN
ajssms-1649	86	2	.	.	PUNCT
ajssms-1649	87	1	and	and	CCONJ
ajssms-1649	87	2	udell	udell	PROPN
ajssms-1649	87	3	(	(	PUNCT
ajssms-1649	87	4	1994	1994	NUM
ajssms-1649	87	5	)	)	PUNCT
ajssms-1649	87	6	argue	argue	VERB
ajssms-1649	87	7	that	that	SCONJ
ajssms-1649	87	8	higher	high	ADJ
ajssms-1649	87	9	capital	capital	NOUN
ajssms-1649	87	10	requirements	requirement	NOUN
ajssms-1649	87	11	encouraged	encourage	VERB
ajssms-1649	87	12	banks	bank	NOUN
ajssms-1649	87	13	to	to	PART
ajssms-1649	87	14	reduce	reduce	VERB
ajssms-1649	87	15	lending	lending	NOUN
ajssms-1649	87	16	to	to	ADP
ajssms-1649	87	17	the	the	DET
ajssms-1649	87	18	most	most	ADV
ajssms-1649	87	19	risky	risky	ADJ
ajssms-1649	87	20	categories	category	NOUN
ajssms-1649	87	21	of	of	ADP
ajssms-1649	87	22	borrowers	borrower	NOUN
ajssms-1649	87	23	.	.	PUNCT
ajssms-1649	88	1	they	they	PRON
ajssms-1649	88	2	showed	show	VERB
ajssms-1649	88	3	that	that	SCONJ
ajssms-1649	88	4	us	us	PROPN
ajssms-1649	88	5	banks	bank	NOUN
ajssms-1649	88	6	reduced	reduce	VERB
ajssms-1649	88	7	their	their	PRON
ajssms-1649	88	8	commercial	commercial	ADJ
ajssms-1649	88	9	loans	loan	NOUN
ajssms-1649	88	10	and	and	CCONJ
ajssms-1649	88	11	increased	increase	VERB
ajssms-1649	88	12	their	their	PRON
ajssms-1649	88	13	holdings	holding	NOUN
ajssms-1649	88	14	of	of	ADP
ajssms-1649	88	15	treasuries	treasury	NOUN
ajssms-1649	88	16	in	in	ADP
ajssms-1649	88	17	the	the	DET
ajssms-1649	88	18	early	early	ADJ
ajssms-1649	88	19	1990s	1990	NOUN
ajssms-1649	88	20	.	.	PUNCT
ajssms-1649	89	1	however	however	ADV
ajssms-1649	89	2	,	,	PUNCT
ajssms-1649	89	3	the	the	DET
ajssms-1649	89	4	reduction	reduction	NOUN
ajssms-1649	89	5	in	in	ADP
ajssms-1649	89	6	borrowers‟	borrowers‟	NOUN
ajssms-1649	89	7	risk	risk	NOUN
ajssms-1649	89	8	profile	profile	NOUN
ajssms-1649	89	9	can	can	AUX
ajssms-1649	89	10	increase	increase	VERB
ajssms-1649	89	11	banks‟	banks‟	ADP
ajssms-1649	89	12	financial	financial	ADJ
ajssms-1649	89	13	soundness	soundness	NOUN
ajssms-1649	89	14	.	.	PUNCT
ajssms-1649	90	1	small	small	ADJ
ajssms-1649	90	2	businesses	business	NOUN
ajssms-1649	90	3	heavily	heavily	ADV
ajssms-1649	90	4	depend	depend	VERB
ajssms-1649	90	5	on	on	ADP
ajssms-1649	90	6	banks	bank	NOUN
ajssms-1649	90	7	for	for	ADP
ajssms-1649	90	8	credit	credit	NOUN
ajssms-1649	90	9	,	,	PUNCT
ajssms-1649	90	10	since	since	SCONJ
ajssms-1649	90	11	it	it	PRON
ajssms-1649	90	12	may	may	AUX
ajssms-1649	90	13	be	be	AUX
ajssms-1649	90	14	difficult	difficult	ADJ
ajssms-1649	90	15	for	for	SCONJ
ajssms-1649	90	16	them	they	PRON
ajssms-1649	90	17	to	to	PART
ajssms-1649	90	18	find	find	VERB
ajssms-1649	90	19	alternative	alternative	ADJ
ajssms-1649	90	20	sources	source	NOUN
ajssms-1649	90	21	of	of	ADP
ajssms-1649	90	22	funding	funding	NOUN
ajssms-1649	90	23	(	(	PUNCT
ajssms-1649	90	24	brewer	brewer	PROPN
ajssms-1649	90	25	,	,	PUNCT
ajssms-1649	90	26	genay	genay	PROPN
ajssms-1649	90	27	,	,	PUNCT
ajssms-1649	90	28	jackson	jackson	PROPN
ajssms-1649	90	29	,	,	PUNCT
ajssms-1649	90	30	&	&	CCONJ
ajssms-1649	90	31	worthington	worthington	PROPN
ajssms-1649	90	32	,	,	PUNCT
ajssms-1649	90	33	1996	1996	NUM
ajssms-1649	90	34	;	;	PUNCT
ajssms-1649	90	35	cole	cole	PROPN
ajssms-1649	90	36	,	,	PUNCT
ajssms-1649	90	37	wolken	wolken	PROPN
ajssms-1649	90	38	,	,	PUNCT
ajssms-1649	90	39	&	&	CCONJ
ajssms-1649	90	40	woodburn	woodburn	PROPN
ajssms-1649	90	41	,	,	PUNCT
ajssms-1649	90	42	1996	1996	NUM
ajssms-1649	90	43	)	)	PUNCT
ajssms-1649	90	44	.	.	PUNCT
ajssms-1649	91	1	lower	low	ADJ
ajssms-1649	91	2	lending	lending	NOUN
ajssms-1649	91	3	to	to	ADP
ajssms-1649	91	4	these	these	DET
ajssms-1649	91	5	borrowers	borrower	NOUN
ajssms-1649	91	6	can	can	AUX
ajssms-1649	91	7	slow	slow	VERB
ajssms-1649	91	8	down	down	ADP
ajssms-1649	91	9	economic	economic	ADJ
ajssms-1649	91	10	growth	growth	NOUN
ajssms-1649	91	11	as	as	SCONJ
ajssms-1649	91	12	shown	show	VERB
ajssms-1649	91	13	by	by	ADP
ajssms-1649	91	14	hancock	hancock	PROPN
ajssms-1649	91	15	and	and	CCONJ
ajssms-1649	91	16	wilcox	wilcox	PROPN
ajssms-1649	91	17	(	(	PUNCT
ajssms-1649	91	18	1998	1998	NUM
ajssms-1649	91	19	)	)	PUNCT
ajssms-1649	91	20	in	in	ADP
ajssms-1649	91	21	their	their	PRON
ajssms-1649	91	22	study	study	NOUN
ajssms-1649	91	23	on	on	ADP
ajssms-1649	91	24	u.s	u.s	PROPN
ajssms-1649	91	25	.	.	PROPN
ajssms-1649	91	26	for	for	ADP
ajssms-1649	91	27	the	the	DET
ajssms-1649	91	28	1989	1989	NUM
ajssms-1649	91	29	-	-	SYM
ajssms-1649	91	30	1992	1992	NUM
ajssms-1649	91	31	periods	period	NOUN
ajssms-1649	91	32	.	.	PUNCT
ajssms-1649	92	1	peek	peek	NOUN
ajssms-1649	92	2	and	and	CCONJ
ajssms-1649	92	3	rosengren	rosengren	PROPN
ajssms-1649	92	4	(	(	PUNCT
ajssms-1649	92	5	2000	2000	NUM
ajssms-1649	92	6	)	)	PUNCT
ajssms-1649	92	7	considered	consider	VERB
ajssms-1649	92	8	the	the	DET
ajssms-1649	92	9	japanese	japanese	ADJ
ajssms-1649	92	10	banking	banking	NOUN
ajssms-1649	92	11	crisis	crisis	NOUN
ajssms-1649	92	12	as	as	ADP
ajssms-1649	92	13	an	an	DET
ajssms-1649	92	14	exogenous	exogenous	ADJ
ajssms-1649	92	15	loan	loan	NOUN
ajssms-1649	92	16	supply	supply	NOUN
ajssms-1649	92	17	shock	shock	NOUN
ajssms-1649	92	18	and	and	CCONJ
ajssms-1649	92	19	found	find	VERB
ajssms-1649	92	20	that	that	SCONJ
ajssms-1649	92	21	it	it	PRON
ajssms-1649	92	22	is	be	AUX
ajssms-1649	92	23	linked	link	VERB
ajssms-1649	92	24	to	to	ADP
ajssms-1649	92	25	construction	construction	NOUN
ajssms-1649	92	26	activity	activity	NOUN
ajssms-1649	92	27	in	in	ADP
ajssms-1649	92	28	u.s	u.s	PROPN
ajssms-1649	92	29	.	.	PROPN
ajssms-1649	92	30	commercial	commercial	ADJ
ajssms-1649	92	31	real	real	ADJ
ajssms-1649	92	32	estate	estate	NOUN
ajssms-1649	92	33	markets	market	NOUN
ajssms-1649	92	34	,	,	PUNCT
ajssms-1649	92	35	thereby	thereby	ADV
ajssms-1649	92	36	affecting	affect	VERB
ajssms-1649	92	37	economic	economic	ADJ
ajssms-1649	92	38	activity	activity	NOUN
ajssms-1649	92	39	in	in	ADP
ajssms-1649	92	40	the	the	DET
ajssms-1649	92	41	u.s	u.s	PROPN
ajssms-1649	92	42	.	.	PROPN
ajssms-1649	92	43	woo	woo	PROPN
ajssms-1649	92	44	(	(	PUNCT
ajssms-1649	92	45	2003	2003	NUM
ajssms-1649	92	46	)	)	PUNCT
ajssms-1649	92	47	studied	study	VERB
ajssms-1649	92	48	the	the	DET
ajssms-1649	92	49	credit	credit	NOUN
ajssms-1649	92	50	slowdown	slowdown	NOUN
ajssms-1649	92	51	in	in	ADP
ajssms-1649	92	52	japan	japan	PROPN
ajssms-1649	92	53	in	in	ADP
ajssms-1649	92	54	1997	1997	NUM
ajssms-1649	92	55	and	and	CCONJ
ajssms-1649	92	56	concluded	conclude	VERB
ajssms-1649	92	57	that	that	SCONJ
ajssms-1649	92	58	the	the	DET
ajssms-1649	92	59	pervasive	pervasive	ADJ
ajssms-1649	92	60	shortage	shortage	NOUN
ajssms-1649	92	61	of	of	ADP
ajssms-1649	92	62	bank	bank	NOUN
ajssms-1649	92	63	capital	capital	NOUN
ajssms-1649	92	64	was	be	AUX
ajssms-1649	92	65	the	the	DET
ajssms-1649	92	66	reason	reason	NOUN
ajssms-1649	92	67	behind	behind	ADP
ajssms-1649	92	68	it	it	PRON
ajssms-1649	92	69	.	.	PUNCT
ajssms-1649	93	1	using	use	VERB
ajssms-1649	93	2	data	datum	NOUN
ajssms-1649	93	3	for	for	ADP
ajssms-1649	93	4	107	107	NUM
ajssms-1649	93	5	countries	country	NOUN
ajssms-1649	93	6	,	,	PUNCT
ajssms-1649	93	7	barth	barth	NOUN
ajssms-1649	93	8	et	et	PROPN
ajssms-1649	93	9	al	al	PROPN
ajssms-1649	93	10	.	.	PROPN
ajssms-1649	94	1	(	(	PUNCT
ajssms-1649	94	2	2006	2006	NUM
ajssms-1649	94	3	)	)	PUNCT
ajssms-1649	94	4	for	for	ADP
ajssms-1649	94	5	instance	instance	NOUN
ajssms-1649	94	6	,	,	PUNCT
ajssms-1649	94	7	documented	document	VERB
ajssms-1649	94	8	that	that	SCONJ
ajssms-1649	94	9	while	while	SCONJ
ajssms-1649	94	10	banks	bank	NOUN
ajssms-1649	94	11	facing	face	VERB
ajssms-1649	94	12	more	more	ADV
ajssms-1649	94	13	stringent	stringent	ADJ
ajssms-1649	94	14	capital	capital	NOUN
ajssms-1649	94	15	regulations	regulation	NOUN
ajssms-1649	94	16	have	have	VERB
ajssms-1649	94	17	fewer	few	ADJ
ajssms-1649	94	18	nonperforming	nonperforme	VERB
ajssms-1649	94	19	loans	loan	NOUN
ajssms-1649	94	20	,	,	PUNCT
ajssms-1649	94	21	the	the	DET
ajssms-1649	94	22	link	link	NOUN
ajssms-1649	94	23	between	between	ADP
ajssms-1649	94	24	capital	capital	NOUN
ajssms-1649	94	25	stringency	stringency	NOUN
ajssms-1649	94	26	and	and	CCONJ
ajssms-1649	94	27	banking	banking	NOUN
ajssms-1649	94	28	crises	crisis	NOUN
ajssms-1649	94	29	is	be	AUX
ajssms-1649	94	30	not	not	PART
ajssms-1649	94	31	robust	robust	ADJ
ajssms-1649	94	32	.	.	PUNCT
ajssms-1649	95	1	using	use	VERB
ajssms-1649	95	2	data	datum	NOUN
ajssms-1649	95	3	from	from	ADP
ajssms-1649	95	4	italian	italian	ADJ
ajssms-1649	95	5	banks	bank	NOUN
ajssms-1649	95	6	in	in	ADP
ajssms-1649	95	7	1992	1992	NUM
ajssms-1649	95	8	-	-	SYM
ajssms-1649	95	9	2001	2001	NUM
ajssms-1649	95	10	,	,	PUNCT
ajssms-1649	95	11	gambacorta	gambacorta	NOUN
ajssms-1649	95	12	and	and	CCONJ
ajssms-1649	95	13	mistrulli	mistrulli	NOUN
ajssms-1649	95	14	(	(	PUNCT
ajssms-1649	95	15	2004	2004	NUM
ajssms-1649	95	16	)	)	PUNCT
ajssms-1649	95	17	showed	show	VERB
ajssms-1649	95	18	that	that	SCONJ
ajssms-1649	95	19	well	well	ADV
ajssms-1649	95	20	capitalized	capitalize	VERB
ajssms-1649	95	21	banks	bank	NOUN
ajssms-1649	95	22	can	can	AUX
ajssms-1649	95	23	better	well	ADV
ajssms-1649	95	24	absorb	absorb	VERB
ajssms-1649	95	25	temporary	temporary	ADJ
ajssms-1649	95	26	financial	financial	ADJ
ajssms-1649	95	27	difficulties	difficulty	NOUN
ajssms-1649	95	28	on	on	ADP
ajssms-1649	95	29	the	the	DET
ajssms-1649	95	30	part	part	NOUN
ajssms-1649	95	31	of	of	ADP
ajssms-1649	95	32	their	their	PRON
ajssms-1649	95	33	borrowers	borrower	NOUN
ajssms-1649	95	34	and	and	CCONJ
ajssms-1649	95	35	preserve	preserve	VERB
ajssms-1649	95	36	long	long	ADJ
ajssms-1649	95	37	term	term	NOUN
ajssms-1649	95	38	lending	lending	NOUN
ajssms-1649	95	39	relationships	relationship	NOUN
ajssms-1649	95	40	.	.	PUNCT
ajssms-1649	96	1	better	well	ADV
ajssms-1649	96	2	capitalized	capitalize	VERB
ajssms-1649	96	3	banks	bank	NOUN
ajssms-1649	96	4	can	can	AUX
ajssms-1649	96	5	also	also	ADV
ajssms-1649	96	6	better	well	ADV
ajssms-1649	96	7	shield	shield	VERB
ajssms-1649	96	8	their	their	PRON
ajssms-1649	96	9	lending	lending	NOUN
ajssms-1649	96	10	from	from	ADP
ajssms-1649	96	11	monetary	monetary	ADJ
ajssms-1649	96	12	shocks	shock	NOUN
ajssms-1649	96	13	as	as	SCONJ
ajssms-1649	96	14	they	they	PRON
ajssms-1649	96	15	have	have	VERB
ajssms-1649	96	16	easier	easy	ADJ
ajssms-1649	96	17	access	access	NOUN
ajssms-1649	96	18	to	to	ADP
ajssms-1649	96	19	non	non	PRON
ajssms-1649	96	20	insured	insure	VERB
ajssms-1649	96	21	funding	funding	NOUN
ajssms-1649	96	22	.	.	PUNCT
ajssms-1649	97	1	indeed	indeed	ADV
ajssms-1649	97	2	,	,	PUNCT
ajssms-1649	97	3	loan	loan	NOUN
ajssms-1649	97	4	growth	growth	NOUN
ajssms-1649	97	5	of	of	ADP
ajssms-1649	97	6	highly	highly	ADV
ajssms-1649	97	7	leveraged	leverage	VERB
ajssms-1649	97	8	banks	bank	NOUN
ajssms-1649	97	9	is	be	AUX
ajssms-1649	97	10	more	more	ADV
ajssms-1649	97	11	responsive	responsive	ADJ
ajssms-1649	97	12	to	to	ADP
ajssms-1649	97	13	monetary	monetary	ADJ
ajssms-1649	97	14	policy	policy	NOUN
ajssms-1649	97	15	than	than	ADP
ajssms-1649	97	16	the	the	DET
ajssms-1649	97	17	loan	loan	NOUN
ajssms-1649	97	18	growth	growth	NOUN
ajssms-1649	97	19	of	of	ADP
ajssms-1649	97	20	well	well	ADV
ajssms-1649	97	21	capitalized	capitalize	VERB
ajssms-1649	97	22	banks	bank	NOUN
ajssms-1649	97	23	(	(	PUNCT
ajssms-1649	97	24	kishan	kishan	PROPN
ajssms-1649	97	25	&	&	CCONJ
ajssms-1649	97	26	opiela	opiela	PROPN
ajssms-1649	97	27	,	,	PUNCT
ajssms-1649	97	28	2000	2000	NUM
ajssms-1649	97	29	)	)	PUNCT
ajssms-1649	97	30	.	.	PUNCT
ajssms-1649	98	1	thus	thus	ADV
ajssms-1649	98	2	,	,	PUNCT
ajssms-1649	98	3	the	the	DET
ajssms-1649	98	4	negative	negative	ADJ
ajssms-1649	98	5	impact	impact	NOUN
ajssms-1649	98	6	of	of	ADP
ajssms-1649	98	7	higher	high	ADJ
ajssms-1649	98	8	short	short	ADJ
ajssms-1649	98	9	term	term	NOUN
ajssms-1649	98	10	interest	interest	NOUN
ajssms-1649	98	11	rates	rate	NOUN
ajssms-1649	98	12	on	on	ADP
ajssms-1649	98	13	credit	credit	NOUN
ajssms-1649	98	14	availability	availability	NOUN
ajssms-1649	98	15	is	be	AUX
ajssms-1649	98	16	stronger	strong	ADJ
ajssms-1649	98	17	for	for	ADP
ajssms-1649	98	18	banks	bank	NOUN
ajssms-1649	98	19	with	with	ADP
ajssms-1649	98	20	lower	low	ADJ
ajssms-1649	98	21	capital	capital	NOUN
ajssms-1649	98	22	.	.	PUNCT
ajssms-1649	99	1	albertazzi	albertazzi	ADV
ajssms-1649	99	2	and	and	CCONJ
ajssms-1649	99	3	marchetti	marchetti	PROPN
ajssms-1649	99	4	(	(	PUNCT
ajssms-1649	99	5	2010	2010	NUM
ajssms-1649	99	6	)	)	PUNCT
ajssms-1649	99	7	used	use	VERB
ajssms-1649	99	8	italian	italian	ADJ
ajssms-1649	99	9	data	datum	NOUN
ajssms-1649	99	10	for	for	ADP
ajssms-1649	99	11	2007	2007	NUM
ajssms-1649	99	12	-	-	SYM
ajssms-1649	99	13	2009	2009	NUM
ajssms-1649	99	14	and	and	CCONJ
ajssms-1649	99	15	found	find	VERB
ajssms-1649	99	16	evidence	evidence	NOUN
ajssms-1649	99	17	of	of	ADP
ajssms-1649	99	18	a	a	DET
ajssms-1649	99	19	contraction	contraction	NOUN
ajssms-1649	99	20	of	of	ADP
ajssms-1649	99	21	credit	credit	NOUN
ajssms-1649	99	22	supply	supply	NOUN
ajssms-1649	99	23	associated	associate	VERB
ajssms-1649	99	24	with	with	ADP
ajssms-1649	99	25	low	low	ADJ
ajssms-1649	99	26	bank	bank	NOUN
ajssms-1649	99	27	capitalization	capitalization	NOUN
ajssms-1649	99	28	.	.	PUNCT
ajssms-1649	100	1	using	use	VERB
ajssms-1649	100	2	us	we	PRON
ajssms-1649	100	3	data	data	PROPN
ajssms-1649	100	4	,	,	PUNCT
ajssms-1649	100	5	kashyap	kashyap	PROPN
ajssms-1649	100	6	,	,	PUNCT
ajssms-1649	100	7	stein	stein	PROPN
ajssms-1649	100	8	,	,	PUNCT
ajssms-1649	100	9	and	and	CCONJ
ajssms-1649	100	10	hanson	hanson	PROPN
ajssms-1649	100	11	(	(	PUNCT
ajssms-1649	100	12	2010	2010	NUM
ajssms-1649	100	13	)	)	PUNCT
ajssms-1649	100	14	found	find	VERB
ajssms-1649	100	15	a	a	DET
ajssms-1649	100	16	positive	positive	ADJ
ajssms-1649	100	17	relationship	relationship	NOUN
ajssms-1649	100	18	between	between	ADP
ajssms-1649	100	19	bank	bank	NOUN
ajssms-1649	100	20	leverage	leverage	NOUN
ajssms-1649	100	21	and	and	CCONJ
ajssms-1649	100	22	equity	equity	NOUN
ajssms-1649	100	23	risk	risk	NOUN
ajssms-1649	100	24	.	.	PUNCT
ajssms-1649	101	1	de	de	X
ajssms-1649	101	2	jonghe	jonghe	ADJ
ajssms-1649	101	3	(	(	PUNCT
ajssms-1649	101	4	2010	2010	NUM
ajssms-1649	101	5	)	)	PUNCT
ajssms-1649	101	6	measured	measure	VERB
ajssms-1649	101	7	banks‟	banks‟	ADP
ajssms-1649	101	8	systemic	systemic	ADJ
ajssms-1649	101	9	risk	risk	NOUN
ajssms-1649	101	10	exposures	exposure	NOUN
ajssms-1649	101	11	using	use	VERB
ajssms-1649	101	12	extreme	extreme	ADJ
ajssms-1649	101	13	value	value	NOUN
ajssms-1649	101	14	theory	theory	NOUN
ajssms-1649	101	15	.	.	PUNCT
ajssms-1649	102	1	the	the	DET
ajssms-1649	102	2	result	result	NOUN
ajssms-1649	102	3	showed	show	VERB
ajssms-1649	102	4	that	that	SCONJ
ajssms-1649	102	5	higher	high	ADJ
ajssms-1649	102	6	capital	capital	NOUN
ajssms-1649	102	7	reduces	reduce	VERB
ajssms-1649	102	8	banks‟	banks‟	ADP
ajssms-1649	102	9	exposure	exposure	NOUN
ajssms-1649	102	10	to	to	ADP
ajssms-1649	102	11	systemic	systemic	ADJ
ajssms-1649	102	12	risk	risk	NOUN
ajssms-1649	102	13	.	.	PUNCT
ajssms-1649	103	1	demirgüç	demirgüç	PROPN
ajssms-1649	103	2	-	-	PUNCT
ajssms-1649	103	3	kunt	kunt	PROPN
ajssms-1649	103	4	and	and	CCONJ
ajssms-1649	103	5	detragiache	detragiache	PROPN
ajssms-1649	103	6	(	(	PUNCT
ajssms-1649	103	7	2011	2011	NUM
ajssms-1649	103	8	)	)	PUNCT
ajssms-1649	103	9	who	who	PRON
ajssms-1649	103	10	employed	employ	VERB
ajssms-1649	103	11	data	datum	NOUN
ajssms-1649	103	12	for	for	ADP
ajssms-1649	103	13	over	over	ADP
ajssms-1649	103	14	3000	3000	NUM
ajssms-1649	103	15	banks	bank	NOUN
ajssms-1649	103	16	in	in	ADP
ajssms-1649	103	17	86	86	NUM
ajssms-1649	103	18	countries	country	NOUN
ajssms-1649	103	19	,	,	PUNCT
ajssms-1649	103	20	reported	report	VERB
ajssms-1649	103	21	that	that	SCONJ
ajssms-1649	103	22	capital	capital	NOUN
ajssms-1649	103	23	regulation	regulation	NOUN
ajssms-1649	103	24	is	be	AUX
ajssms-1649	103	25	not	not	PART
ajssms-1649	103	26	robustly	robustly	ADV
ajssms-1649	103	27	associated	associate	VERB
ajssms-1649	103	28	with	with	ADP
ajssms-1649	103	29	bank	bank	NOUN
ajssms-1649	103	30	risk	risk	NOUN
ajssms-1649	103	31	measured	measure	VERB
ajssms-1649	103	32	by	by	ADP
ajssms-1649	103	33	individual	individual	ADJ
ajssms-1649	103	34	bank	bank	PROPN
ajssms-1649	103	35	z	z	PROPN
ajssms-1649	103	36	-	-	PUNCT
ajssms-1649	103	37	scores	score	NOUN
ajssms-1649	103	38	.	.	PUNCT
ajssms-1649	104	1	all	all	DET
ajssms-1649	104	2	studies	study	NOUN
ajssms-1649	104	3	referred	refer	VERB
ajssms-1649	104	4	to	to	ADP
ajssms-1649	104	5	above	above	ADV
ajssms-1649	104	6	suggest	suggest	VERB
ajssms-1649	104	7	that	that	SCONJ
ajssms-1649	104	8	higher	high	ADJ
ajssms-1649	104	9	capital	capital	NOUN
ajssms-1649	104	10	makes	make	VERB
ajssms-1649	104	11	the	the	DET
ajssms-1649	104	12	provision	provision	NOUN
ajssms-1649	104	13	of	of	ADP
ajssms-1649	104	14	credit	credit	NOUN
ajssms-1649	104	15	more	more	ADV
ajssms-1649	104	16	stable	stable	ADJ
ajssms-1649	104	17	and	and	CCONJ
ajssms-1649	104	18	robust	robust	ADJ
ajssms-1649	104	19	even	even	ADV
ajssms-1649	104	20	in	in	ADP
ajssms-1649	104	21	economic	economic	ADJ
ajssms-1649	104	22	downturns	downturn	NOUN
ajssms-1649	104	23	.	.	PUNCT
ajssms-1649	105	1	more	more	ADJ
ajssms-1649	105	2	capital	capital	NOUN
ajssms-1649	105	3	also	also	ADV
ajssms-1649	105	4	allows	allow	VERB
ajssms-1649	105	5	banks	bank	NOUN
ajssms-1649	105	6	to	to	PART
ajssms-1649	105	7	better	well	ADV
ajssms-1649	105	8	withstand	withstand	VERB
ajssms-1649	105	9	financial	financial	ADJ
ajssms-1649	105	10	and	and	CCONJ
ajssms-1649	105	11	real	real	ADJ
ajssms-1649	105	12	shocks	shock	NOUN
ajssms-1649	105	13	.	.	PUNCT
ajssms-1649	106	1	bank	bank	NOUN
ajssms-1649	106	2	capital	capital	NOUN
ajssms-1649	106	3	increases	increase	VERB
ajssms-1649	106	4	the	the	DET
ajssms-1649	106	5	capacity	capacity	NOUN
ajssms-1649	106	6	to	to	PART
ajssms-1649	106	7	raise	raise	VERB
ajssms-1649	106	8	non	non	ADJ
ajssms-1649	106	9	insured	insure	VERB
ajssms-1649	106	10	debt	debt	NOUN
ajssms-1649	106	11	and	and	CCONJ
ajssms-1649	106	12	thus	thus	ADV
ajssms-1649	106	13	banks‟	banks‟	ADP
ajssms-1649	106	14	ability	ability	NOUN
ajssms-1649	106	15	to	to	PART
ajssms-1649	106	16	limit	limit	VERB
ajssms-1649	106	17	the	the	DET
ajssms-1649	106	18	effect	effect	NOUN
ajssms-1649	106	19	of	of	ADP
ajssms-1649	106	20	a	a	DET
ajssms-1649	106	21	drop	drop	NOUN
ajssms-1649	106	22	in	in	ADP
ajssms-1649	106	23	deposits	deposit	NOUN
ajssms-1649	106	24	on	on	ADP
ajssms-1649	106	25	lending	lending	NOUN
ajssms-1649	106	26	.	.	PUNCT
ajssms-1649	107	1	using	use	VERB
ajssms-1649	107	2	the	the	DET
ajssms-1649	107	3	capital	capital	NOUN
ajssms-1649	107	4	asset	asset	NOUN
ajssms-1649	107	5	pricing	pricing	NOUN
ajssms-1649	107	6	model	model	NOUN
ajssms-1649	107	7	(	(	PUNCT
ajssms-1649	107	8	capm	capm	PROPN
ajssms-1649	107	9	)	)	PUNCT
ajssms-1649	107	10	framework	framework	NOUN
ajssms-1649	107	11	,	,	PUNCT
ajssms-1649	107	12	miles	mile	NOUN
ajssms-1649	107	13	,	,	PUNCT
ajssms-1649	107	14	jing	jing	ADJ
ajssms-1649	107	15	,	,	PUNCT
ajssms-1649	107	16	and	and	CCONJ
ajssms-1649	107	17	gilberto	gilberto	PROPN
ajssms-1649	107	18	(	(	PUNCT
ajssms-1649	107	19	2012	2012	NUM
ajssms-1649	107	20	)	)	PUNCT
ajssms-1649	107	21	estimated	estimate	VERB
ajssms-1649	107	22	the	the	DET
ajssms-1649	107	23	relationship	relationship	NOUN
ajssms-1649	107	24	between	between	ADP
ajssms-1649	107	25	leverage	leverage	NOUN
ajssms-1649	107	26	and	and	CCONJ
ajssms-1649	107	27	equity	equity	NOUN
ajssms-1649	107	28	beta	beta	NOUN
ajssms-1649	107	29	.	.	PUNCT
ajssms-1649	108	1	the	the	DET
ajssms-1649	108	2	study	study	NOUN
ajssms-1649	108	3	reports	report	VERB
ajssms-1649	108	4	that	that	SCONJ
ajssms-1649	108	5	higher	high	ADJ
ajssms-1649	108	6	capital	capital	NOUN
ajssms-1649	108	7	reduces	reduce	VERB
ajssms-1649	108	8	the	the	DET
ajssms-1649	108	9	chance	chance	NOUN
ajssms-1649	108	10	of	of	ADP
ajssms-1649	108	11	banking	banking	NOUN
ajssms-1649	108	12	crises	crisis	NOUN
ajssms-1649	108	13	.	.	PUNCT
ajssms-1649	109	1	small	small	ADJ
ajssms-1649	109	2	firms	firm	NOUN
ajssms-1649	109	3	become	become	VERB
ajssms-1649	109	4	more	more	ADJ
ajssms-1649	109	5	credit	credit	NOUN
ajssms-1649	109	6	constrained	constrain	VERB
ajssms-1649	109	7	when	when	SCONJ
ajssms-1649	109	8	banks	bank	NOUN
ajssms-1649	109	9	are	be	AUX
ajssms-1649	109	10	under	under	ADP
ajssms-1649	109	11	pressure	pressure	NOUN
ajssms-1649	109	12	to	to	PART
ajssms-1649	109	13	satisfy	satisfy	VERB
ajssms-1649	109	14	capital	capital	NOUN
ajssms-1649	109	15	requirements	requirement	NOUN
ajssms-1649	109	16	.	.	PUNCT
ajssms-1649	110	1	this	this	PRON
ajssms-1649	110	2	has	have	AUX
ajssms-1649	110	3	been	be	AUX
ajssms-1649	110	4	documented	document	VERB
ajssms-1649	110	5	by	by	ADP
ajssms-1649	110	6	popov	popov	PROPN
ajssms-1649	110	7	and	and	CCONJ
ajssms-1649	110	8	udell	udell	PROPN
ajssms-1649	110	9	(	(	PUNCT
ajssms-1649	110	10	2012	2012	NUM
ajssms-1649	110	11	)	)	PUNCT
ajssms-1649	110	12	.	.	PUNCT
ajssms-1649	111	1	they	they	PRON
ajssms-1649	111	2	studied	study	VERB
ajssms-1649	111	3	the	the	DET
ajssms-1649	111	4	sensitivity	sensitivity	NOUN
ajssms-1649	111	5	of	of	ADP
ajssms-1649	111	6	credit	credit	NOUN
ajssms-1649	111	7	supply	supply	NOUN
ajssms-1649	111	8	to	to	ADP
ajssms-1649	111	9	banks‟	banks‟	ADP
ajssms-1649	111	10	financial	financial	ADJ
ajssms-1649	111	11	conditions	condition	NOUN
ajssms-1649	111	12	in	in	ADP
ajssms-1649	111	13	16	16	NUM
ajssms-1649	111	14	emerging	emerge	VERB
ajssms-1649	111	15	european	european	ADJ
ajssms-1649	111	16	countries	country	NOUN
ajssms-1649	111	17	before	before	ADP
ajssms-1649	111	18	and	and	CCONJ
ajssms-1649	111	19	during	during	ADP
ajssms-1649	111	20	the	the	DET
ajssms-1649	111	21	recent	recent	ADJ
ajssms-1649	111	22	financial	financial	ADJ
ajssms-1649	111	23	crisis	crisis	NOUN
ajssms-1649	111	24	and	and	CCONJ
ajssms-1649	111	25	results	result	NOUN
ajssms-1649	111	26	suggested	suggest	VERB
ajssms-1649	111	27	that	that	SCONJ
ajssms-1649	111	28	the	the	DET
ajssms-1649	111	29	effect	effect	NOUN
ajssms-1649	111	30	of	of	ADP
ajssms-1649	111	31	positive	positive	ADJ
ajssms-1649	111	32	and	and	CCONJ
ajssms-1649	111	33	negative	negative	ADJ
ajssms-1649	111	34	shocks	shock	NOUN
ajssms-1649	111	35	to	to	ADP
ajssms-1649	111	36	a	a	DET
ajssms-1649	111	37	bank	bank	NOUN
ajssms-1649	111	38	on	on	ADP
ajssms-1649	111	39	its	its	PRON
ajssms-1649	111	40	lending	lending	NOUN
ajssms-1649	111	41	is	be	AUX
ajssms-1649	111	42	greater	great	ADJ
ajssms-1649	111	43	for	for	ADP
ajssms-1649	111	44	riskier	risky	ADJ
ajssms-1649	111	45	firms	firm	NOUN
ajssms-1649	111	46	and	and	CCONJ
ajssms-1649	111	47	firms	firm	NOUN
ajssms-1649	111	48	with	with	ADP
ajssms-1649	111	49	fewer	few	ADJ
ajssms-1649	111	50	tangible	tangible	ADJ
ajssms-1649	111	51	assets	asset	NOUN
ajssms-1649	111	52	.	.	PUNCT
ajssms-1649	112	1	another	another	DET
ajssms-1649	112	2	type	type	NOUN
ajssms-1649	112	3	of	of	ADP
ajssms-1649	112	4	lending	lend	VERB
ajssms-1649	112	5	those	those	DET
ajssms-1649	112	6	banks	bank	NOUN
ajssms-1649	112	7	cut	cut	VERB
ajssms-1649	112	8	when	when	SCONJ
ajssms-1649	112	9	being	be	AUX
ajssms-1649	112	10	capital	capital	NOUN
ajssms-1649	112	11	constrained	constrain	VERB
ajssms-1649	112	12	is	be	AUX
ajssms-1649	112	13	loans	loan	NOUN
ajssms-1649	112	14	to	to	ADP
ajssms-1649	112	15	the	the	DET
ajssms-1649	112	16	real	real	ADJ
ajssms-1649	112	17	estate	estate	NOUN
ajssms-1649	112	18	sector	sector	NOUN
ajssms-1649	112	19	.	.	PUNCT
ajssms-1649	113	1	de	de	PROPN
ajssms-1649	113	2	haan	haan	PROPN
ajssms-1649	113	3	and	and	CCONJ
ajssms-1649	113	4	klomp	klomp	PROPN
ajssms-1649	113	5	(	(	PUNCT
ajssms-1649	113	6	2012	2012	NUM
ajssms-1649	113	7	)	)	PUNCT
ajssms-1649	113	8	used	use	VERB
ajssms-1649	113	9	data	datum	NOUN
ajssms-1649	113	10	on	on	ADP
ajssms-1649	113	11	200	200	NUM
ajssms-1649	113	12	banks	bank	NOUN
ajssms-1649	113	13	in	in	ADP
ajssms-1649	113	14	21	21	NUM
ajssms-1649	113	15	oecd	oecd	PROPN
ajssms-1649	113	16	countries	country	NOUN
ajssms-1649	113	17	and	and	CCONJ
ajssms-1649	113	18	applied	apply	VERB
ajssms-1649	113	19	factor	factor	NOUN
ajssms-1649	113	20	analysis	analysis	NOUN
ajssms-1649	113	21	on	on	ADP
ajssms-1649	113	22	25	25	NUM
ajssms-1649	113	23	indicators	indicator	NOUN
ajssms-1649	113	24	of	of	ADP
ajssms-1649	113	25	banking	banking	NOUN
ajssms-1649	113	26	risk	risk	NOUN
ajssms-1649	113	27	,	,	PUNCT
ajssms-1649	113	28	the	the	DET
ajssms-1649	113	29	study	study	NOUN
ajssms-1649	113	30	reported	report	VERB
ajssms-1649	113	31	that	that	SCONJ
ajssms-1649	113	32	capital	capital	NOUN
ajssms-1649	113	33	regulation	regulation	NOUN
ajssms-1649	113	34	reduces	reduce	VERB
ajssms-1649	113	35	capital	capital	NOUN
ajssms-1649	113	36	and	and	CCONJ
ajssms-1649	113	37	asset	asset	NOUN
ajssms-1649	113	38	risk	risk	NOUN
ajssms-1649	113	39	of	of	ADP
ajssms-1649	113	40	banks	bank	NOUN
ajssms-1649	113	41	.	.	PUNCT
ajssms-1649	114	1	based	base	VERB
ajssms-1649	114	2	on	on	ADP
ajssms-1649	114	3	a	a	DET
ajssms-1649	114	4	40	40	NUM
ajssms-1649	114	5	years	year	NOUN
ajssms-1649	114	6	data	datum	NOUN
ajssms-1649	114	7	from	from	ADP
ajssms-1649	114	8	the	the	DET
ajssms-1649	114	9	united	united	PROPN
ajssms-1649	114	10	states	states	PROPN
ajssms-1649	114	11	,	,	PUNCT
ajssms-1649	114	12	baker	baker	PROPN
ajssms-1649	114	13	and	and	CCONJ
ajssms-1649	114	14	wurgler	wurgler	PROPN
ajssms-1649	114	15	(	(	PUNCT
ajssms-1649	114	16	2013	2013	NUM
ajssms-1649	114	17	)	)	PUNCT
ajssms-1649	114	18	confirmed	confirm	VERB
ajssms-1649	114	19	that	that	SCONJ
ajssms-1649	114	20	better	well	ADJ
ajssms-1649	114	21	capitalized	capitalize	VERB
ajssms-1649	114	22	banks	bank	NOUN
ajssms-1649	114	23	have	have	VERB
ajssms-1649	114	24	both	both	CCONJ
ajssms-1649	114	25	lower	low	ADJ
ajssms-1649	114	26	systematic	systematic	ADJ
ajssms-1649	114	27	risk	risk	NOUN
ajssms-1649	114	28	(	(	PUNCT
ajssms-1649	114	29	beta	beta	NOUN
ajssms-1649	114	30	)	)	PUNCT
ajssms-1649	114	31	and	and	CCONJ
ajssms-1649	114	32	lower	low	ADJ
ajssms-1649	114	33	idiosyncratic	idiosyncratic	ADJ
ajssms-1649	114	34	risk	risk	NOUN
ajssms-1649	114	35	.	.	PUNCT
ajssms-1649	115	1	another	another	DET
ajssms-1649	115	2	line	line	NOUN
ajssms-1649	115	3	of	of	ADP
ajssms-1649	115	4	research	research	NOUN
ajssms-1649	115	5	examined	examine	VERB
ajssms-1649	115	6	the	the	DET
ajssms-1649	115	7	impact	impact	NOUN
ajssms-1649	115	8	of	of	ADP
ajssms-1649	115	9	capital	capital	NOUN
ajssms-1649	115	10	requirements	requirement	NOUN
ajssms-1649	115	11	on	on	ADP
ajssms-1649	115	12	bank	bank	NOUN
ajssms-1649	115	13	risk	risk	NOUN
ajssms-1649	115	14	taking	taking	NOUN
ajssms-1649	115	15	.	.	PUNCT
ajssms-1649	116	1	kapan	kapan	PROPN
ajssms-1649	116	2	and	and	CCONJ
ajssms-1649	116	3	minoiu	minoiu	PROPN
ajssms-1649	116	4	(	(	PUNCT
ajssms-1649	116	5	2013	2013	NUM
ajssms-1649	116	6	)	)	PUNCT
ajssms-1649	116	7	employed	employ	VERB
ajssms-1649	116	8	a	a	DET
ajssms-1649	116	9	sample	sample	NOUN
ajssms-1649	116	10	of	of	ADP
ajssms-1649	116	11	more	more	ADJ
ajssms-1649	116	12	than	than	ADP
ajssms-1649	116	13	800	800	NUM
ajssms-1649	116	14	banks	bank	NOUN
ajssms-1649	116	15	from	from	ADP
ajssms-1649	116	16	55	55	NUM
ajssms-1649	116	17	asian	asian	ADJ
ajssms-1649	116	18	journal	journal	NOUN
ajssms-1649	116	19	of	of	ADP
ajssms-1649	116	20	social	social	ADJ
ajssms-1649	116	21	sciences	sciences	PROPN
ajssms-1649	116	22	and	and	CCONJ
ajssms-1649	116	23	management	management	NOUN
ajssms-1649	116	24	studies	study	NOUN
ajssms-1649	116	25	,	,	PUNCT
ajssms-1649	116	26	2020	2020	NUM
ajssms-1649	116	27	,	,	PUNCT
ajssms-1649	116	28	7(2	7(2	NUM
ajssms-1649	116	29	):	):	PUNCT
ajssms-1649	116	30	124	124	NUM
ajssms-1649	116	31	-	-	SYM
ajssms-1649	116	32	134	134	NUM
ajssms-1649	116	33	127	127	NUM
ajssms-1649	116	34	©	©	PROPN
ajssms-1649	116	35	2020	2020	NUM
ajssms-1649	116	36	by	by	ADP
ajssms-1649	116	37	the	the	DET
ajssms-1649	116	38	authors	author	NOUN
ajssms-1649	116	39	;	;	PUNCT
ajssms-1649	116	40	licensee	licensee	PROPN
ajssms-1649	116	41	asian	asian	ADJ
ajssms-1649	116	42	online	online	PROPN
ajssms-1649	116	43	journal	journal	PROPN
ajssms-1649	116	44	publishing	publishing	NOUN
ajssms-1649	116	45	group	group	NOUN
ajssms-1649	116	46	countries	country	NOUN
ajssms-1649	116	47	during	during	ADP
ajssms-1649	116	48	2006	2006	NUM
ajssms-1649	116	49	-	-	SYM
ajssms-1649	116	50	2010	2010	NUM
ajssms-1649	116	51	and	and	CCONJ
ajssms-1649	116	52	the	the	DET
ajssms-1649	116	53	result	result	NOUN
ajssms-1649	116	54	showed	show	VERB
ajssms-1649	116	55	that	that	SCONJ
ajssms-1649	116	56	bank	bank	NOUN
ajssms-1649	116	57	capital	capital	NOUN
ajssms-1649	116	58	played	play	VERB
ajssms-1649	116	59	a	a	DET
ajssms-1649	116	60	cushioning	cushion	VERB
ajssms-1649	116	61	role	role	NOUN
ajssms-1649	116	62	.	.	PUNCT
ajssms-1649	117	1	better	well	ADV
ajssms-1649	117	2	capitalized	capitalize	VERB
ajssms-1649	117	3	banks	bank	NOUN
ajssms-1649	117	4	(	(	PUNCT
ajssms-1649	117	5	with	with	ADP
ajssms-1649	117	6	lower	low	ADJ
ajssms-1649	117	7	leverage	leverage	NOUN
ajssms-1649	117	8	ratio	ratio	NOUN
ajssms-1649	117	9	)	)	PUNCT
ajssms-1649	117	10	that	that	SCONJ
ajssms-1649	117	11	when	when	SCONJ
ajssms-1649	117	12	exposed	expose	VERB
ajssms-1649	117	13	to	to	ADP
ajssms-1649	117	14	the	the	DET
ajssms-1649	117	15	financial	financial	ADJ
ajssms-1649	117	16	market	market	NOUN
ajssms-1649	117	17	shocks	shock	NOUN
ajssms-1649	117	18	decreased	decrease	VERB
ajssms-1649	117	19	their	their	PRON
ajssms-1649	117	20	supply	supply	NOUN
ajssms-1649	117	21	of	of	ADP
ajssms-1649	117	22	loans	loan	NOUN
ajssms-1649	117	23	less	less	ADJ
ajssms-1649	117	24	than	than	ADP
ajssms-1649	117	25	other	other	ADJ
ajssms-1649	117	26	banks	bank	NOUN
ajssms-1649	117	27	.	.	PUNCT
ajssms-1649	118	1	using	use	VERB
ajssms-1649	118	2	data	datum	NOUN
ajssms-1649	118	3	for	for	ADP
ajssms-1649	118	4	german	german	ADJ
ajssms-1649	118	5	banks	bank	NOUN
ajssms-1649	118	6	covering	cover	VERB
ajssms-1649	118	7	the	the	DET
ajssms-1649	118	8	period	period	NOUN
ajssms-1649	118	9	1965	1965	NUM
ajssms-1649	118	10	-	-	SYM
ajssms-1649	118	11	2009	2009	NUM
ajssms-1649	118	12	,	,	PUNCT
ajssms-1649	118	13	buch	buch	NOUN
ajssms-1649	118	14	and	and	CCONJ
ajssms-1649	118	15	prieto	prieto	NOUN
ajssms-1649	118	16	(	(	PUNCT
ajssms-1649	118	17	2014	2014	NUM
ajssms-1649	118	18	)	)	PUNCT
ajssms-1649	118	19	found	find	VERB
ajssms-1649	118	20	that	that	SCONJ
ajssms-1649	118	21	a	a	DET
ajssms-1649	118	22	long	long	ADJ
ajssms-1649	118	23	run	run	NOUN
ajssms-1649	118	24	increase	increase	NOUN
ajssms-1649	118	25	in	in	ADP
ajssms-1649	118	26	bank	bank	NOUN
ajssms-1649	118	27	capital	capital	NOUN
ajssms-1649	118	28	of	of	ADP
ajssms-1649	118	29	one	one	NUM
ajssms-1649	118	30	percent	percent	NOUN
ajssms-1649	118	31	increased	increase	VERB
ajssms-1649	118	32	bank	bank	NOUN
ajssms-1649	118	33	loans	loan	NOUN
ajssms-1649	118	34	by	by	ADP
ajssms-1649	118	35	0.23	0.23	NUM
ajssms-1649	118	36	%	%	NOUN
ajssms-1649	118	37	.	.	PUNCT
ajssms-1649	119	1	interestingly	interestingly	ADV
ajssms-1649	119	2	,	,	PUNCT
ajssms-1649	119	3	bank	bank	NOUN
ajssms-1649	119	4	loans	loan	NOUN
ajssms-1649	119	5	decreased	decrease	VERB
ajssms-1649	119	6	with	with	ADP
ajssms-1649	119	7	bank	bank	NOUN
ajssms-1649	119	8	capital	capital	NOUN
ajssms-1649	119	9	only	only	ADV
ajssms-1649	119	10	when	when	SCONJ
ajssms-1649	119	11	the	the	DET
ajssms-1649	119	12	capital	capital	NOUN
ajssms-1649	119	13	to	to	PART
ajssms-1649	119	14	asset	asset	NOUN
ajssms-1649	119	15	ratio	ratio	NOUN
ajssms-1649	119	16	is	be	AUX
ajssms-1649	119	17	above	above	ADP
ajssms-1649	119	18	33	33	NUM
ajssms-1649	119	19	%	%	NOUN
ajssms-1649	119	20	.	.	PUNCT
ajssms-1649	120	1	also	also	ADV
ajssms-1649	120	2	,	,	PUNCT
ajssms-1649	120	3	during	during	ADP
ajssms-1649	120	4	the	the	DET
ajssms-1649	120	5	recent	recent	ADJ
ajssms-1649	120	6	financial	financial	ADJ
ajssms-1649	120	7	crisis	crisis	NOUN
ajssms-1649	120	8	,	,	PUNCT
ajssms-1649	120	9	banks	bank	NOUN
ajssms-1649	120	10	with	with	ADP
ajssms-1649	120	11	strong	strong	ADJ
ajssms-1649	120	12	balance	balance	NOUN
ajssms-1649	120	13	sheets	sheet	NOUN
ajssms-1649	120	14	were	be	AUX
ajssms-1649	120	15	better	well	ADJ
ajssms-1649	120	16	able	able	ADJ
ajssms-1649	120	17	to	to	PART
ajssms-1649	120	18	maintain	maintain	VERB
ajssms-1649	120	19	their	their	PRON
ajssms-1649	120	20	lending	lending	NOUN
ajssms-1649	120	21	.	.	PUNCT
ajssms-1649	121	1	recent	recent	ADJ
ajssms-1649	121	2	study	study	NOUN
ajssms-1649	121	3	by	by	ADP
ajssms-1649	121	4	martynova	martynova	X
ajssms-1649	121	5	(	(	PUNCT
ajssms-1649	121	6	2015	2015	NUM
ajssms-1649	121	7	)	)	PUNCT
ajssms-1649	121	8	showed	show	VERB
ajssms-1649	121	9	that	that	SCONJ
ajssms-1649	121	10	higher	high	ADJ
ajssms-1649	121	11	bank	bank	NOUN
ajssms-1649	121	12	capital	capital	NOUN
ajssms-1649	121	13	increases	increase	VERB
ajssms-1649	121	14	the	the	DET
ajssms-1649	121	15	franchise	franchise	NOUN
ajssms-1649	121	16	value	value	NOUN
ajssms-1649	121	17	of	of	ADP
ajssms-1649	121	18	core	core	NOUN
ajssms-1649	121	19	banking	banking	NOUN
ajssms-1649	121	20	activities	activity	NOUN
ajssms-1649	121	21	;	;	PUNCT
ajssms-1649	121	22	this	this	PRON
ajssms-1649	121	23	allows	allow	VERB
ajssms-1649	121	24	banks	bank	NOUN
ajssms-1649	121	25	to	to	PART
ajssms-1649	121	26	attract	attract	VERB
ajssms-1649	121	27	new	new	ADJ
ajssms-1649	121	28	funds	fund	NOUN
ajssms-1649	121	29	that	that	PRON
ajssms-1649	121	30	can	can	AUX
ajssms-1649	121	31	be	be	AUX
ajssms-1649	121	32	used	use	VERB
ajssms-1649	121	33	for	for	ADP
ajssms-1649	121	34	investment	investment	NOUN
ajssms-1649	121	35	in	in	ADP
ajssms-1649	121	36	risky	risky	ADJ
ajssms-1649	121	37	market	market	NOUN
ajssms-1649	121	38	based	base	VERB
ajssms-1649	121	39	activities	activity	NOUN
ajssms-1649	121	40	.	.	PUNCT
ajssms-1649	122	1	de	de	X
ajssms-1649	122	2	haan	haan	PROPN
ajssms-1649	122	3	.	.	PROPN
ajssms-1649	123	1	and	and	CCONJ
ajssms-1649	123	2	klomp	klomp	PROPN
ajssms-1649	123	3	(	(	PUNCT
ajssms-1649	123	4	2015	2015	NUM
ajssms-1649	123	5	)	)	PUNCT
ajssms-1649	123	6	found	find	VERB
ajssms-1649	123	7	similar	similar	ADJ
ajssms-1649	123	8	results	result	NOUN
ajssms-1649	123	9	for	for	ADP
ajssms-1649	123	10	a	a	DET
ajssms-1649	123	11	sample	sample	NOUN
ajssms-1649	123	12	of	of	ADP
ajssms-1649	123	13	emerging	emerge	VERB
ajssms-1649	123	14	and	and	CCONJ
ajssms-1649	123	15	developing	develop	VERB
ajssms-1649	123	16	countries	country	NOUN
ajssms-1649	123	17	.	.	PUNCT
ajssms-1649	124	1	however	however	ADV
ajssms-1649	124	2	,	,	PUNCT
ajssms-1649	124	3	some	some	DET
ajssms-1649	124	4	other	other	ADJ
ajssms-1649	124	5	studies	study	NOUN
ajssms-1649	124	6	in	in	ADP
ajssms-1649	124	7	this	this	DET
ajssms-1649	124	8	line	line	NOUN
ajssms-1649	124	9	of	of	ADP
ajssms-1649	124	10	research	research	NOUN
ajssms-1649	124	11	,	,	PUNCT
ajssms-1649	124	12	report	report	VERB
ajssms-1649	124	13	that	that	SCONJ
ajssms-1649	124	14	there	there	PRON
ajssms-1649	124	15	is	be	VERB
ajssms-1649	124	16	not	not	PART
ajssms-1649	124	17	a	a	DET
ajssms-1649	124	18	strong	strong	ADJ
ajssms-1649	124	19	relationship	relationship	NOUN
ajssms-1649	124	20	between	between	ADP
ajssms-1649	124	21	capital	capital	NOUN
ajssms-1649	124	22	requirements	requirement	NOUN
ajssms-1649	124	23	and	and	CCONJ
ajssms-1649	124	24	bank	bank	NOUN
ajssms-1649	124	25	risk	risk	NOUN
ajssms-1649	124	26	.	.	PUNCT
ajssms-1649	125	1	using	use	VERB
ajssms-1649	125	2	spanish	spanish	ADJ
ajssms-1649	125	3	credit	credit	NOUN
ajssms-1649	125	4	register	register	NOUN
ajssms-1649	125	5	data	datum	NOUN
ajssms-1649	125	6	on	on	ADP
ajssms-1649	125	7	all	all	DET
ajssms-1649	125	8	monthly	monthly	ADJ
ajssms-1649	125	9	information	information	NOUN
ajssms-1649	125	10	requests	request	NOUN
ajssms-1649	125	11	lodged	lodge	VERB
ajssms-1649	125	12	by	by	ADP
ajssms-1649	125	13	banks	bank	NOUN
ajssms-1649	125	14	on	on	ADP
ajssms-1649	125	15	borrowers	borrower	NOUN
ajssms-1649	125	16	,	,	PUNCT
ajssms-1649	125	17	jiménez	jiménez	PROPN
ajssms-1649	125	18	,	,	PUNCT
ajssms-1649	125	19	ongena	ongena	PROPN
ajssms-1649	125	20	,	,	PUNCT
ajssms-1649	125	21	peydró	peydró	NOUN
ajssms-1649	125	22	,	,	PUNCT
ajssms-1649	125	23	and	and	CCONJ
ajssms-1649	125	24	saurina	saurina	NOUN
ajssms-1649	125	25	(	(	PUNCT
ajssms-1649	125	26	2012	2012	NUM
ajssms-1649	125	27	)	)	PUNCT
ajssms-1649	125	28	showed	show	VERB
ajssms-1649	125	29	that	that	SCONJ
ajssms-1649	125	30	a	a	DET
ajssms-1649	125	31	one	one	NUM
ajssms-1649	125	32	percent	percent	NOUN
ajssms-1649	125	33	increase	increase	NOUN
ajssms-1649	125	34	in	in	ADP
ajssms-1649	125	35	the	the	DET
ajssms-1649	125	36	interest	interest	NOUN
ajssms-1649	125	37	rate	rate	NOUN
ajssms-1649	125	38	decreases	decrease	VERB
ajssms-1649	125	39	loans	loan	NOUN
ajssms-1649	125	40	granted	grant	VERB
ajssms-1649	125	41	by	by	ADP
ajssms-1649	125	42	less	less	ADV
ajssms-1649	125	43	capitalized	capitalize	VERB
ajssms-1649	125	44	banks	bank	NOUN
ajssms-1649	125	45	by	by	ADP
ajssms-1649	125	46	3.9	3.9	NUM
ajssms-1649	125	47	percent	percent	NOUN
ajssms-1649	125	48	more	more	ADJ
ajssms-1649	125	49	than	than	ADP
ajssms-1649	125	50	loans	loan	NOUN
ajssms-1649	125	51	granted	grant	VERB
ajssms-1649	125	52	by	by	ADP
ajssms-1649	125	53	well	well	ADV
ajssms-1649	125	54	capitalized	capitalize	VERB
ajssms-1649	125	55	banks	bank	NOUN
ajssms-1649	125	56	.	.	PUNCT
ajssms-1649	126	1	as	as	ADP
ajssms-1649	126	2	a	a	DET
ajssms-1649	126	3	result	result	NOUN
ajssms-1649	126	4	,	,	PUNCT
ajssms-1649	126	5	higher	high	ADJ
ajssms-1649	126	6	bank	bank	NOUN
ajssms-1649	126	7	capital	capital	NOUN
ajssms-1649	126	8	is	be	AUX
ajssms-1649	126	9	important	important	ADJ
ajssms-1649	126	10	in	in	ADP
ajssms-1649	126	11	reducing	reduce	VERB
ajssms-1649	126	12	banks‟	banks‟	CCONJ
ajssms-1649	126	13	financial	financial	ADJ
ajssms-1649	126	14	fragility	fragility	NOUN
ajssms-1649	126	15	as	as	ADV
ajssms-1649	126	16	well	well	ADV
ajssms-1649	126	17	as	as	ADP
ajssms-1649	126	18	their	their	PRON
ajssms-1649	126	19	ability	ability	NOUN
ajssms-1649	126	20	to	to	PART
ajssms-1649	126	21	survive	survive	VERB
ajssms-1649	126	22	financial	financial	ADJ
ajssms-1649	126	23	crises	crisis	NOUN
ajssms-1649	126	24	.	.	PUNCT
ajssms-1649	127	1	(	(	PUNCT
ajssms-1649	127	2	beltratti	beltratti	PROPN
ajssms-1649	127	3	&	&	CCONJ
ajssms-1649	127	4	stulz	stulz	ADJ
ajssms-1649	127	5	,	,	PUNCT
ajssms-1649	127	6	2012	2012	NUM
ajssms-1649	127	7	;	;	PUNCT
ajssms-1649	127	8	diamond	diamond	NOUN
ajssms-1649	127	9	.	.	PUNCT
ajssms-1649	127	10	&	&	CCONJ
ajssms-1649	127	11	rajan	rajan	PROPN
ajssms-1649	127	12	,	,	PUNCT
ajssms-1649	127	13	2001	2001	NUM
ajssms-1649	127	14	)	)	PUNCT
ajssms-1649	127	15	.	.	PUNCT
ajssms-1649	128	1	in	in	ADP
ajssms-1649	128	2	a	a	DET
ajssms-1649	128	3	sample	sample	NOUN
ajssms-1649	128	4	of	of	ADP
ajssms-1649	128	5	banks	bank	NOUN
ajssms-1649	128	6	from	from	ADP
ajssms-1649	128	7	advanced	advanced	ADJ
ajssms-1649	128	8	and	and	CCONJ
ajssms-1649	128	9	emerging	emerge	VERB
ajssms-1649	128	10	economies	economy	NOUN
ajssms-1649	128	11	,	,	PUNCT
ajssms-1649	128	12	the	the	DET
ajssms-1649	128	13	latter	latter	ADJ
ajssms-1649	128	14	study	study	NOUN
ajssms-1649	128	15	found	find	VERB
ajssms-1649	128	16	that	that	SCONJ
ajssms-1649	128	17	higher	high	ADJ
ajssms-1649	128	18	pre	pre	ADJ
ajssms-1649	128	19	crisis	crisis	NOUN
ajssms-1649	128	20	capital	capital	NOUN
ajssms-1649	128	21	improved	improve	VERB
ajssms-1649	128	22	bank	bank	NOUN
ajssms-1649	128	23	performance	performance	NOUN
ajssms-1649	128	24	during	during	ADP
ajssms-1649	128	25	the	the	DET
ajssms-1649	128	26	2008	2008	NUM
ajssms-1649	128	27	crisis	crisis	NOUN
ajssms-1649	128	28	.	.	PUNCT
ajssms-1649	129	1	similarly	similarly	ADV
ajssms-1649	129	2	,	,	PUNCT
ajssms-1649	129	3	berger	berger	PROPN
ajssms-1649	129	4	and	and	CCONJ
ajssms-1649	129	5	bouwman	bouwman	NOUN
ajssms-1649	129	6	(	(	PUNCT
ajssms-1649	129	7	2013	2013	NUM
ajssms-1649	129	8	)	)	PUNCT
ajssms-1649	129	9	showed	show	VERB
ajssms-1649	129	10	that	that	SCONJ
ajssms-1649	129	11	higher	high	ADJ
ajssms-1649	129	12	capital	capital	NOUN
ajssms-1649	129	13	in	in	ADP
ajssms-1649	129	14	us	us	PROPN
ajssms-1649	129	15	banks	bank	NOUN
ajssms-1649	129	16	enabled	enable	VERB
ajssms-1649	129	17	them	they	PRON
ajssms-1649	129	18	to	to	PART
ajssms-1649	129	19	improve	improve	VERB
ajssms-1649	129	20	their	their	PRON
ajssms-1649	129	21	market	market	NOUN
ajssms-1649	129	22	shares	share	NOUN
ajssms-1649	129	23	during	during	ADP
ajssms-1649	129	24	banking	banking	NOUN
ajssms-1649	129	25	crises	crisis	NOUN
ajssms-1649	129	26	,	,	PUNCT
ajssms-1649	129	27	and	and	CCONJ
ajssms-1649	129	28	these	these	DET
ajssms-1649	129	29	banks	bank	NOUN
ajssms-1649	129	30	are	be	AUX
ajssms-1649	129	31	generally	generally	ADV
ajssms-1649	129	32	able	able	ADJ
ajssms-1649	129	33	to	to	PART
ajssms-1649	129	34	maintain	maintain	VERB
ajssms-1649	129	35	their	their	PRON
ajssms-1649	129	36	improved	improve	VERB
ajssms-1649	129	37	shares	share	NOUN
ajssms-1649	129	38	afterwards	afterwards	ADV
ajssms-1649	129	39	(	(	PUNCT
ajssms-1649	129	40	although	although	SCONJ
ajssms-1649	129	41	the	the	DET
ajssms-1649	129	42	results	result	NOUN
ajssms-1649	129	43	are	be	AUX
ajssms-1649	129	44	less	less	ADV
ajssms-1649	129	45	robust	robust	ADJ
ajssms-1649	129	46	for	for	ADP
ajssms-1649	129	47	the	the	DET
ajssms-1649	129	48	2008	2008	NUM
ajssms-1649	129	49	crisis	crisis	NOUN
ajssms-1649	129	50	)	)	PUNCT
ajssms-1649	129	51	.	.	PUNCT
ajssms-1649	130	1	since	since	SCONJ
ajssms-1649	130	2	higher	high	ADJ
ajssms-1649	130	3	capital	capital	NOUN
ajssms-1649	130	4	reduces	reduce	VERB
ajssms-1649	130	5	bank	bank	NOUN
ajssms-1649	130	6	risk	risk	NOUN
ajssms-1649	130	7	and	and	CCONJ
ajssms-1649	130	8	creates	create	VERB
ajssms-1649	130	9	a	a	DET
ajssms-1649	130	10	buffer	buffer	NOUN
ajssms-1649	130	11	against	against	ADP
ajssms-1649	130	12	losses	loss	NOUN
ajssms-1649	130	13	,	,	PUNCT
ajssms-1649	130	14	it	it	PRON
ajssms-1649	130	15	makes	make	VERB
ajssms-1649	130	16	funding	funding	NOUN
ajssms-1649	130	17	with	with	ADP
ajssms-1649	130	18	non	non	NOUN
ajssms-1649	130	19	insured	insure	VERB
ajssms-1649	130	20	debt	debt	NOUN
ajssms-1649	130	21	less	less	ADJ
ajssms-1649	130	22	information	information	NOUN
ajssms-1649	130	23	sensitive	sensitive	ADJ
ajssms-1649	130	24	.	.	PUNCT
ajssms-1649	131	1	(	(	PUNCT
ajssms-1649	131	2	admati	admati	PROPN
ajssms-1649	131	3	et	et	PROPN
ajssms-1649	131	4	al	al	PROPN
ajssms-1649	131	5	.	.	PROPN
ajssms-1649	131	6	,	,	PUNCT
ajssms-1649	131	7	2010	2010	NUM
ajssms-1649	131	8	)	)	PUNCT
ajssms-1649	131	9	.	.	PUNCT
ajssms-1649	132	1	this	this	PRON
ajssms-1649	132	2	decreases	decrease	VERB
ajssms-1649	132	3	the	the	DET
ajssms-1649	132	4	possibility	possibility	NOUN
ajssms-1649	132	5	of	of	ADP
ajssms-1649	132	6	bank	bank	NOUN
ajssms-1649	132	7	runs	run	NOUN
ajssms-1649	132	8	enhancing	enhance	VERB
ajssms-1649	132	9	financial	financial	ADJ
ajssms-1649	132	10	stability	stability	NOUN
ajssms-1649	132	11	(	(	PUNCT
ajssms-1649	132	12	admati	admati	PROPN
ajssms-1649	132	13	et	et	PROPN
ajssms-1649	132	14	al	al	PROPN
ajssms-1649	132	15	.	.	PROPN
ajssms-1649	132	16	,	,	PUNCT
ajssms-1649	132	17	2010	2010	NUM
ajssms-1649	132	18	;	;	PUNCT
ajssms-1649	132	19	diamond	diamond	PROPN
ajssms-1649	132	20	&	&	CCONJ
ajssms-1649	132	21	rajan	rajan	PROPN
ajssms-1649	132	22	,	,	PUNCT
ajssms-1649	132	23	2000	2000	NUM
ajssms-1649	132	24	)	)	PUNCT
ajssms-1649	132	25	.	.	PUNCT
ajssms-1649	133	1	however	however	ADV
ajssms-1649	133	2	,	,	PUNCT
ajssms-1649	133	3	studies	study	NOUN
ajssms-1649	133	4	that	that	PRON
ajssms-1649	133	5	focus	focus	VERB
ajssms-1649	133	6	on	on	ADP
ajssms-1649	133	7	banks	bank	NOUN
ajssms-1649	133	8	in	in	ADP
ajssms-1649	133	9	advanced	advanced	ADJ
ajssms-1649	133	10	economies	economy	NOUN
ajssms-1649	133	11	during	during	ADP
ajssms-1649	133	12	the	the	DET
ajssms-1649	133	13	2008	2008	NUM
ajssms-1649	133	14	crisis	crisis	NOUN
ajssms-1649	133	15	alone	alone	ADV
ajssms-1649	133	16	often	often	ADV
ajssms-1649	133	17	come	come	VERB
ajssms-1649	133	18	to	to	ADP
ajssms-1649	133	19	different	different	ADJ
ajssms-1649	133	20	conclusions	conclusion	NOUN
ajssms-1649	133	21	.	.	PUNCT
ajssms-1649	134	1	thus	thus	ADV
ajssms-1649	134	2	,	,	PUNCT
ajssms-1649	134	3	using	use	VERB
ajssms-1649	134	4	oecd	oecd	PROPN
ajssms-1649	134	5	data	data	PROPN
ajssms-1649	134	6	(	(	PUNCT
ajssms-1649	134	7	huang	huang	PROPN
ajssms-1649	134	8	&	&	CCONJ
ajssms-1649	134	9	ratnovski	ratnovski	PROPN
ajssms-1649	134	10	,	,	PUNCT
ajssms-1649	134	11	2009	2009	NUM
ajssms-1649	134	12	)	)	PUNCT
ajssms-1649	134	13	found	find	VERB
ajssms-1649	134	14	no	no	DET
ajssms-1649	134	15	relationship	relationship	NOUN
ajssms-1649	134	16	between	between	ADP
ajssms-1649	134	17	pre	pre	NOUN
ajssms-1649	134	18	crisis	crisis	NOUN
ajssms-1649	134	19	bank	bank	NOUN
ajssms-1649	134	20	capital	capital	NOUN
ajssms-1649	134	21	and	and	CCONJ
ajssms-1649	134	22	performance	performance	NOUN
ajssms-1649	134	23	during	during	ADP
ajssms-1649	134	24	the	the	DET
ajssms-1649	134	25	crisis	crisis	NOUN
ajssms-1649	134	26	.	.	PUNCT
ajssms-1649	135	1	for	for	ADP
ajssms-1649	135	2	their	their	PRON
ajssms-1649	135	3	sample	sample	NOUN
ajssms-1649	135	4	of	of	ADP
ajssms-1649	135	5	european	european	ADJ
ajssms-1649	135	6	banks	bank	NOUN
ajssms-1649	135	7	,	,	PUNCT
ajssms-1649	135	8	camara	camara	PROPN
ajssms-1649	135	9	,	,	PUNCT
ajssms-1649	135	10	laetitia	laetitia	PROPN
ajssms-1649	135	11	,	,	PUNCT
ajssms-1649	135	12	and	and	CCONJ
ajssms-1649	135	13	amine	amine	NOUN
ajssms-1649	135	14	(	(	PUNCT
ajssms-1649	135	15	2010	2010	NUM
ajssms-1649	135	16	)	)	PUNCT
ajssms-1649	135	17	reported	report	VERB
ajssms-1649	135	18	that	that	SCONJ
ajssms-1649	135	19	well	well	ADV
ajssms-1649	135	20	capitalized	capitalize	VERB
ajssms-1649	135	21	banks	bank	NOUN
ajssms-1649	135	22	took	take	VERB
ajssms-1649	135	23	more	more	ADJ
ajssms-1649	135	24	risk	risk	NOUN
ajssms-1649	135	25	before	before	ADP
ajssms-1649	135	26	the	the	DET
ajssms-1649	135	27	2008	2008	NUM
ajssms-1649	135	28	crisis	crisis	NOUN
ajssms-1649	135	29	.	.	PUNCT
ajssms-1649	136	1	using	use	VERB
ajssms-1649	136	2	a	a	DET
ajssms-1649	136	3	sample	sample	NOUN
ajssms-1649	136	4	of	of	ADP
ajssms-1649	136	5	36	36	NUM
ajssms-1649	136	6	major	major	ADJ
ajssms-1649	136	7	global	global	ADJ
ajssms-1649	136	8	banks	bank	NOUN
ajssms-1649	136	9	,	,	PUNCT
ajssms-1649	136	10	the	the	DET
ajssms-1649	136	11	imf‟s	imf‟s	X
ajssms-1649	136	12	gfsr	gfsr	PROPN
ajssms-1649	136	13	2009	2009	NUM
ajssms-1649	136	14	found	find	VERB
ajssms-1649	136	15	that	that	SCONJ
ajssms-1649	136	16	banks	bank	NOUN
ajssms-1649	136	17	that	that	PRON
ajssms-1649	136	18	received	receive	VERB
ajssms-1649	136	19	government	government	NOUN
ajssms-1649	136	20	support	support	NOUN
ajssms-1649	136	21	during	during	ADP
ajssms-1649	136	22	the	the	DET
ajssms-1649	136	23	crisis	crisis	NOUN
ajssms-1649	136	24	had	have	VERB
ajssms-1649	136	25	statistically	statistically	ADV
ajssms-1649	136	26	higher	high	ADJ
ajssms-1649	136	27	capital	capital	NOUN
ajssms-1649	136	28	metrics	metric	NOUN
ajssms-1649	136	29	before	before	ADP
ajssms-1649	136	30	the	the	DET
ajssms-1649	136	31	crisis	crisis	NOUN
ajssms-1649	136	32	.	.	PUNCT
ajssms-1649	137	1	the	the	DET
ajssms-1649	137	2	bcbs	bcbs	PROPN
ajssms-1649	137	3	[	[	X
ajssms-1649	137	4	basel	basel	PROPN
ajssms-1649	137	5	committee	committee	PROPN
ajssms-1649	137	6	on	on	ADP
ajssms-1649	137	7	banking	banking	NOUN
ajssms-1649	137	8	supervision	supervision	NOUN
ajssms-1649	137	9	]	]	PUNCT
ajssms-1649	137	10	(	(	PUNCT
ajssms-1649	137	11	1999	1999	NUM
ajssms-1649	137	12	)	)	PUNCT
ajssms-1649	137	13	surveyed	survey	VERB
ajssms-1649	137	14	the	the	DET
ajssms-1649	137	15	evidence	evidence	NOUN
ajssms-1649	137	16	for	for	ADP
ajssms-1649	137	17	the	the	DET
ajssms-1649	137	18	response	response	NOUN
ajssms-1649	137	19	of	of	ADP
ajssms-1649	137	20	banks	bank	NOUN
ajssms-1649	137	21	in	in	ADP
ajssms-1649	137	22	the	the	DET
ajssms-1649	137	23	g10	g10	PROPN
ajssms-1649	137	24	countries	country	NOUN
ajssms-1649	137	25	to	to	ADP
ajssms-1649	137	26	the	the	DET
ajssms-1649	137	27	introduction	introduction	NOUN
ajssms-1649	137	28	of	of	ADP
ajssms-1649	137	29	the	the	DET
ajssms-1649	137	30	1988	1988	NUM
ajssms-1649	137	31	capital	capital	NOUN
ajssms-1649	137	32	requirements	requirement	NOUN
ajssms-1649	137	33	,	,	PUNCT
ajssms-1649	137	34	concluding	conclude	VERB
ajssms-1649	137	35	that	that	SCONJ
ajssms-1649	137	36	bank	bank	NOUN
ajssms-1649	137	37	capital	capital	NOUN
ajssms-1649	137	38	pressures	pressure	NOUN
ajssms-1649	137	39	during	during	ADP
ajssms-1649	137	40	cyclical	cyclical	ADJ
ajssms-1649	137	41	downturns	downturn	NOUN
ajssms-1649	137	42	in	in	ADP
ajssms-1649	137	43	the	the	DET
ajssms-1649	137	44	us	us	PROPN
ajssms-1649	137	45	and	and	CCONJ
ajssms-1649	137	46	japan	japan	PROPN
ajssms-1649	137	47	may	may	AUX
ajssms-1649	137	48	have	have	VERB
ajssms-1649	137	49	limited	limit	VERB
ajssms-1649	137	50	bank	bank	NOUN
ajssms-1649	137	51	lending	lending	NOUN
ajssms-1649	137	52	in	in	ADP
ajssms-1649	137	53	those	those	DET
ajssms-1649	137	54	periods	period	NOUN
ajssms-1649	137	55	and	and	CCONJ
ajssms-1649	137	56	contributed	contribute	VERB
ajssms-1649	137	57	to	to	ADP
ajssms-1649	137	58	the	the	DET
ajssms-1649	137	59	economic	economic	ADJ
ajssms-1649	137	60	weakness	weakness	NOUN
ajssms-1649	137	61	in	in	ADP
ajssms-1649	137	62	some	some	DET
ajssms-1649	137	63	macroeconomic	macroeconomic	ADJ
ajssms-1649	137	64	sectors	sector	NOUN
ajssms-1649	137	65	.	.	PUNCT
ajssms-1649	138	1	using	use	VERB
ajssms-1649	138	2	panel	panel	NOUN
ajssms-1649	138	3	data	datum	NOUN
ajssms-1649	138	4	on	on	ADP
ajssms-1649	138	5	large	large	ADJ
ajssms-1649	138	6	us	us	PROPN
ajssms-1649	138	7	commercial	commercial	ADJ
ajssms-1649	138	8	banks	bank	NOUN
ajssms-1649	138	9	between	between	ADP
ajssms-1649	138	10	1989	1989	NUM
ajssms-1649	138	11	and	and	CCONJ
ajssms-1649	138	12	1997	1997	NUM
ajssms-1649	138	13	,	,	PUNCT
ajssms-1649	138	14	furfine	furfine	NOUN
ajssms-1649	138	15	(	(	PUNCT
ajssms-1649	138	16	2000	2000	NUM
ajssms-1649	138	17	)	)	PUNCT
ajssms-1649	138	18	developed	develop	VERB
ajssms-1649	138	19	a	a	DET
ajssms-1649	138	20	structural	structural	ADJ
ajssms-1649	138	21	dynamic	dynamic	ADJ
ajssms-1649	138	22	model	model	NOUN
ajssms-1649	138	23	.	.	PUNCT
ajssms-1649	139	1	the	the	DET
ajssms-1649	139	2	simulations	simulation	NOUN
ajssms-1649	139	3	predicted	predict	VERB
ajssms-1649	139	4	that	that	SCONJ
ajssms-1649	139	5	a	a	DET
ajssms-1649	139	6	one	one	NUM
ajssms-1649	139	7	percentage	percentage	NOUN
ajssms-1649	139	8	point	point	NOUN
ajssms-1649	139	9	increase	increase	NOUN
ajssms-1649	139	10	in	in	ADP
ajssms-1649	139	11	risk	risk	NOUN
ajssms-1649	139	12	based	base	VERB
ajssms-1649	139	13	capital	capital	NOUN
ajssms-1649	139	14	requirement	requirement	NOUN
ajssms-1649	139	15	resulted	result	VERB
ajssms-1649	139	16	in	in	ADP
ajssms-1649	139	17	5.5	5.5	NUM
ajssms-1649	139	18	%	%	NOUN
ajssms-1649	139	19	reduction	reduction	NOUN
ajssms-1649	139	20	in	in	ADP
ajssms-1649	139	21	loan	loan	NOUN
ajssms-1649	139	22	growth	growth	NOUN
ajssms-1649	139	23	.	.	PUNCT
ajssms-1649	140	1	albertazzi	albertazzi	ADV
ajssms-1649	140	2	and	and	CCONJ
ajssms-1649	140	3	marchetti	marchetti	PROPN
ajssms-1649	140	4	(	(	PUNCT
ajssms-1649	140	5	2010	2010	NUM
ajssms-1649	140	6	)	)	PUNCT
ajssms-1649	140	7	using	use	VERB
ajssms-1649	140	8	italian	italian	ADJ
ajssms-1649	140	9	data	datum	NOUN
ajssms-1649	140	10	after	after	ADP
ajssms-1649	140	11	the	the	DET
ajssms-1649	140	12	lehman	lehman	PROPN
ajssms-1649	140	13	collapse	collapse	NOUN
ajssms-1649	140	14	,	,	PUNCT
ajssms-1649	140	15	documented	document	VERB
ajssms-1649	140	16	two	two	NUM
ajssms-1649	140	17	percentage	percentage	NOUN
ajssms-1649	140	18	points	point	NOUN
ajssms-1649	140	19	higher	high	ADJ
ajssms-1649	140	20	contraction	contraction	NOUN
ajssms-1649	140	21	of	of	ADP
ajssms-1649	140	22	credit	credit	NOUN
ajssms-1649	140	23	supply	supply	NOUN
ajssms-1649	140	24	by	by	ADP
ajssms-1649	140	25	less	less	ADV
ajssms-1649	140	26	capitalized	capitalize	VERB
ajssms-1649	140	27	banks	bank	NOUN
ajssms-1649	140	28	than	than	ADP
ajssms-1649	140	29	well	well	ADV
ajssms-1649	140	30	capitalized	capitalize	VERB
ajssms-1649	140	31	ones	one	NOUN
ajssms-1649	140	32	.	.	PUNCT
ajssms-1649	141	1	the	the	DET
ajssms-1649	141	2	study	study	NOUN
ajssms-1649	141	3	also	also	ADV
ajssms-1649	141	4	highlighted	highlight	VERB
ajssms-1649	141	5	that	that	SCONJ
ajssms-1649	141	6	borrowers	borrower	NOUN
ajssms-1649	141	7	had	have	VERB
ajssms-1649	141	8	a	a	DET
ajssms-1649	141	9	limited	limited	ADJ
ajssms-1649	141	10	ability	ability	NOUN
ajssms-1649	141	11	to	to	PART
ajssms-1649	141	12	find	find	VERB
ajssms-1649	141	13	substitute	substitute	NOUN
ajssms-1649	141	14	funding	funding	NOUN
ajssms-1649	141	15	.	.	PUNCT
ajssms-1649	142	1	puri	puri	PROPN
ajssms-1649	142	2	,	,	PUNCT
ajssms-1649	142	3	rocholl	rocholl	NOUN
ajssms-1649	142	4	,	,	PUNCT
ajssms-1649	142	5	and	and	CCONJ
ajssms-1649	142	6	steffen	steffen	PROPN
ajssms-1649	142	7	(	(	PUNCT
ajssms-1649	142	8	2011	2011	NUM
ajssms-1649	142	9	)	)	PUNCT
ajssms-1649	142	10	studied	study	VERB
ajssms-1649	142	11	the	the	DET
ajssms-1649	142	12	effect	effect	NOUN
ajssms-1649	142	13	of	of	ADP
ajssms-1649	142	14	the	the	DET
ajssms-1649	142	15	financial	financial	ADJ
ajssms-1649	142	16	crisis	crisis	NOUN
ajssms-1649	142	17	on	on	ADP
ajssms-1649	142	18	the	the	DET
ajssms-1649	142	19	lending	lending	NOUN
ajssms-1649	142	20	of	of	ADP
ajssms-1649	142	21	german	german	ADJ
ajssms-1649	142	22	banks	bank	NOUN
ajssms-1649	142	23	.	.	PUNCT
ajssms-1649	143	1	the	the	DET
ajssms-1649	143	2	study	study	NOUN
ajssms-1649	143	3	concluded	conclude	VERB
ajssms-1649	143	4	that	that	SCONJ
ajssms-1649	143	5	banks	bank	NOUN
ajssms-1649	143	6	hit	hit	VERB
ajssms-1649	143	7	by	by	ADP
ajssms-1649	143	8	the	the	DET
ajssms-1649	143	9	crisis	crisis	NOUN
ajssms-1649	143	10	reject	reject	VERB
ajssms-1649	143	11	11	11	NUM
ajssms-1649	143	12	%	%	NOUN
ajssms-1649	143	13	more	more	ADJ
ajssms-1649	143	14	loan	loan	NOUN
ajssms-1649	143	15	applications	application	NOUN
ajssms-1649	143	16	than	than	ADP
ajssms-1649	143	17	non	non	PRON
ajssms-1649	143	18	affected	affect	VERB
ajssms-1649	143	19	banks	bank	NOUN
ajssms-1649	143	20	.	.	PUNCT
ajssms-1649	144	1	several	several	ADJ
ajssms-1649	144	2	studies	study	NOUN
ajssms-1649	144	3	estimated	estimate	VERB
ajssms-1649	144	4	the	the	DET
ajssms-1649	144	5	effect	effect	NOUN
ajssms-1649	144	6	of	of	ADP
ajssms-1649	144	7	increased	increase	VERB
ajssms-1649	144	8	capital	capital	NOUN
ajssms-1649	144	9	requirement	requirement	NOUN
ajssms-1649	144	10	on	on	ADP
ajssms-1649	144	11	bank	bank	NOUN
ajssms-1649	144	12	lending	lending	NOUN
ajssms-1649	144	13	using	use	VERB
ajssms-1649	144	14	uk	uk	PROPN
ajssms-1649	144	15	data	datum	NOUN
ajssms-1649	144	16	for	for	ADP
ajssms-1649	144	17	the	the	DET
ajssms-1649	144	18	1990s-2000s	1990s-2000s	NUM
ajssms-1649	144	19	.	.	PUNCT
ajssms-1649	145	1	thus	thus	ADV
ajssms-1649	145	2	,	,	PUNCT
ajssms-1649	145	3	francis	francis	PROPN
ajssms-1649	145	4	and	and	CCONJ
ajssms-1649	145	5	osborne	osborne	PROPN
ajssms-1649	145	6	(	(	PUNCT
ajssms-1649	145	7	2012	2012	NUM
ajssms-1649	145	8	)	)	PUNCT
ajssms-1649	145	9	modeled	model	VERB
ajssms-1649	145	10	the	the	DET
ajssms-1649	145	11	targeted	target	VERB
ajssms-1649	145	12	capital	capital	NOUN
ajssms-1649	145	13	ratios	ratio	NOUN
ajssms-1649	145	14	;	;	PUNCT
ajssms-1649	145	15	based	base	VERB
ajssms-1649	145	16	on	on	ADP
ajssms-1649	145	17	those	those	DET
ajssms-1649	145	18	numbers	number	NOUN
ajssms-1649	145	19	they	they	PRON
ajssms-1649	145	20	computed	compute	VERB
ajssms-1649	145	21	capital	capital	NOUN
ajssms-1649	145	22	shortfalls	shortfall	NOUN
ajssms-1649	145	23	which	which	PRON
ajssms-1649	145	24	are	be	AUX
ajssms-1649	145	25	further	far	ADV
ajssms-1649	145	26	used	use	VERB
ajssms-1649	145	27	to	to	PART
ajssms-1649	145	28	explain	explain	VERB
ajssms-1649	145	29	credit	credit	NOUN
ajssms-1649	145	30	growth	growth	NOUN
ajssms-1649	145	31	.	.	PUNCT
ajssms-1649	146	1	the	the	DET
ajssms-1649	146	2	authors	author	NOUN
ajssms-1649	146	3	found	find	VERB
ajssms-1649	146	4	that	that	SCONJ
ajssms-1649	146	5	a	a	DET
ajssms-1649	146	6	one	one	NUM
ajssms-1649	146	7	percentage	percentage	NOUN
ajssms-1649	146	8	point	point	NOUN
ajssms-1649	146	9	increase	increase	NOUN
ajssms-1649	146	10	in	in	ADP
ajssms-1649	146	11	capital	capital	NOUN
ajssms-1649	146	12	requirements	requirement	NOUN
ajssms-1649	146	13	would	would	AUX
ajssms-1649	146	14	reduce	reduce	VERB
ajssms-1649	146	15	lending	lending	NOUN
ajssms-1649	146	16	in	in	ADP
ajssms-1649	146	17	2002	2002	NUM
ajssms-1649	146	18	by	by	ADP
ajssms-1649	146	19	1.2	1.2	NUM
ajssms-1649	146	20	%	%	NOUN
ajssms-1649	146	21	.	.	PUNCT
ajssms-1649	147	1	using	use	VERB
ajssms-1649	147	2	data	datum	NOUN
ajssms-1649	147	3	for	for	ADP
ajssms-1649	147	4	the	the	DET
ajssms-1649	147	5	uk	uk	PROPN
ajssms-1649	147	6	banks	bank	NOUN
ajssms-1649	147	7	subject	subject	ADJ
ajssms-1649	147	8	to	to	ADP
ajssms-1649	147	9	time	time	NOUN
ajssms-1649	147	10	varying	vary	VERB
ajssms-1649	147	11	capital	capital	NOUN
ajssms-1649	147	12	requirements	requirement	NOUN
ajssms-1649	147	13	in	in	ADP
ajssms-1649	147	14	1998	1998	NUM
ajssms-1649	147	15	-	-	SYM
ajssms-1649	147	16	2007	2007	NUM
ajssms-1649	147	17	,	,	PUNCT
ajssms-1649	147	18	aiyar	aiyar	PROPN
ajssms-1649	147	19	,	,	PUNCT
ajssms-1649	147	20	charles	charle	NOUN
ajssms-1649	147	21	,	,	PUNCT
ajssms-1649	147	22	and	and	CCONJ
ajssms-1649	147	23	tomasz	tomasz	PROPN
ajssms-1649	147	24	(	(	PUNCT
ajssms-1649	147	25	2014b	2014b	NUM
ajssms-1649	147	26	)	)	PUNCT
ajssms-1649	147	27	exploited	exploit	VERB
ajssms-1649	147	28	a	a	DET
ajssms-1649	147	29	single	single	ADJ
ajssms-1649	147	30	equation	equation	NOUN
ajssms-1649	147	31	approach	approach	NOUN
ajssms-1649	147	32	and	and	CCONJ
ajssms-1649	147	33	showed	show	VERB
ajssms-1649	147	34	that	that	SCONJ
ajssms-1649	147	35	a	a	DET
ajssms-1649	147	36	one	one	NUM
ajssms-1649	147	37	percentage	percentage	NOUN
ajssms-1649	147	38	point	point	NOUN
ajssms-1649	147	39	rise	rise	NOUN
ajssms-1649	147	40	in	in	ADP
ajssms-1649	147	41	capital	capital	NOUN
ajssms-1649	147	42	requirement	requirement	NOUN
ajssms-1649	147	43	reduces	reduce	VERB
ajssms-1649	147	44	credit	credit	NOUN
ajssms-1649	147	45	growth	growth	NOUN
ajssms-1649	147	46	by	by	ADP
ajssms-1649	147	47	6.5	6.5	NUM
ajssms-1649	147	48	-	-	SYM
ajssms-1649	147	49	7.2	7.2	NUM
ajssms-1649	147	50	percentage	percentage	NOUN
ajssms-1649	147	51	points	point	NOUN
ajssms-1649	147	52	.	.	PUNCT
ajssms-1649	148	1	aiyar	aiyar	PROPN
ajssms-1649	148	2	.	.	PUNCT
ajssms-1649	148	3	,	,	PUNCT
ajssms-1649	148	4	charles	charles	PROPN
ajssms-1649	148	5	,	,	PUNCT
ajssms-1649	148	6	and	and	CCONJ
ajssms-1649	148	7	tomasz	tomasz	PROPN
ajssms-1649	148	8	(	(	PUNCT
ajssms-1649	148	9	2014c	2014c	PROPN
ajssms-1649	148	10	)	)	PUNCT
ajssms-1649	148	11	used	use	VERB
ajssms-1649	148	12	a	a	DET
ajssms-1649	148	13	bayesian	bayesian	NOUN
ajssms-1649	148	14	hierarchical	hierarchical	ADJ
ajssms-1649	148	15	approach	approach	NOUN
ajssms-1649	148	16	to	to	PART
ajssms-1649	148	17	estimate	estimate	VERB
ajssms-1649	148	18	panel	panel	NOUN
ajssms-1649	148	19	var	var	NOUN
ajssms-1649	148	20	models	model	NOUN
ajssms-1649	148	21	and	and	CCONJ
ajssms-1649	148	22	found	find	VERB
ajssms-1649	148	23	that	that	SCONJ
ajssms-1649	148	24	an	an	DET
ajssms-1649	148	25	increase	increase	NOUN
ajssms-1649	148	26	in	in	ADP
ajssms-1649	148	27	capital	capital	NOUN
ajssms-1649	148	28	requirements	requirement	NOUN
ajssms-1649	148	29	by	by	ADP
ajssms-1649	148	30	one	one	NUM
ajssms-1649	148	31	percentage	percentage	NOUN
ajssms-1649	148	32	point	point	NOUN
ajssms-1649	148	33	reduces	reduce	VERB
ajssms-1649	148	34	the	the	DET
ajssms-1649	148	35	growth	growth	NOUN
ajssms-1649	148	36	rate	rate	NOUN
ajssms-1649	148	37	in	in	ADP
ajssms-1649	148	38	real	real	ADJ
ajssms-1649	148	39	lending	lending	NOUN
ajssms-1649	148	40	by	by	ADP
ajssms-1649	148	41	4.6	4.6	NUM
ajssms-1649	148	42	percentage	percentage	NOUN
ajssms-1649	148	43	points	point	NOUN
ajssms-1649	148	44	.	.	PUNCT
ajssms-1649	149	1	bridges	bridge	NOUN
ajssms-1649	149	2	et	et	PROPN
ajssms-1649	149	3	al	al	PROPN
ajssms-1649	149	4	.	.	PUNCT
ajssms-1649	150	1	(	(	PUNCT
ajssms-1649	150	2	2014	2014	NUM
ajssms-1649	150	3	)	)	PUNCT
ajssms-1649	150	4	focusing	focus	VERB
ajssms-1649	150	5	on	on	ADP
ajssms-1649	150	6	the	the	DET
ajssms-1649	150	7	effect	effect	NOUN
ajssms-1649	150	8	of	of	ADP
ajssms-1649	150	9	capital	capital	NOUN
ajssms-1649	150	10	requirement	requirement	NOUN
ajssms-1649	150	11	on	on	ADP
ajssms-1649	150	12	sectoral	sectoral	ADJ
ajssms-1649	150	13	lending	lending	NOUN
ajssms-1649	150	14	,	,	PUNCT
ajssms-1649	150	15	provided	provide	VERB
ajssms-1649	150	16	an	an	DET
ajssms-1649	150	17	estimate	estimate	NOUN
ajssms-1649	150	18	for	for	ADP
ajssms-1649	150	19	the	the	DET
ajssms-1649	150	20	reduction	reduction	NOUN
ajssms-1649	150	21	in	in	ADP
ajssms-1649	150	22	total	total	ADJ
ajssms-1649	150	23	lending	lending	NOUN
ajssms-1649	150	24	of	of	ADP
ajssms-1649	150	25	3.5	3.5	NUM
ajssms-1649	150	26	%	%	NOUN
ajssms-1649	150	27	in	in	ADP
ajssms-1649	150	28	response	response	NOUN
ajssms-1649	150	29	to	to	ADP
ajssms-1649	150	30	a	a	DET
ajssms-1649	150	31	one	one	NUM
ajssms-1649	150	32	percentage	percentage	NOUN
ajssms-1649	150	33	point	point	NOUN
ajssms-1649	150	34	increase	increase	NOUN
ajssms-1649	150	35	in	in	ADP
ajssms-1649	150	36	capital	capital	NOUN
ajssms-1649	150	37	requirement	requirement	NOUN
ajssms-1649	150	38	.	.	PUNCT
ajssms-1649	151	1	aiyar	aiyar	PROPN
ajssms-1649	151	2	,	,	PUNCT
ajssms-1649	151	3	charles	charles	PROPN
ajssms-1649	151	4	,	,	PUNCT
ajssms-1649	151	5	john	john	PROPN
ajssms-1649	151	6	,	,	PUNCT
ajssms-1649	151	7	yevgeniya	yevgeniya	PROPN
ajssms-1649	151	8	,	,	PUNCT
ajssms-1649	151	9	and	and	CCONJ
ajssms-1649	151	10	tomasz	tomasz	NOUN
ajssms-1649	151	11	(	(	PUNCT
ajssms-1649	151	12	2014a	2014a	NUM
ajssms-1649	151	13	)	)	PUNCT
ajssms-1649	151	14	using	use	VERB
ajssms-1649	151	15	data	datum	NOUN
ajssms-1649	151	16	of	of	ADP
ajssms-1649	151	17	1999	1999	NUM
ajssms-1649	151	18	-	-	SYM
ajssms-1649	151	19	2006	2006	NUM
ajssms-1649	151	20	found	find	VERB
ajssms-1649	151	21	that	that	SCONJ
ajssms-1649	151	22	higher	high	ADJ
ajssms-1649	151	23	capital	capital	NOUN
ajssms-1649	151	24	requirements	requirement	NOUN
ajssms-1649	151	25	reduce	reduce	VERB
ajssms-1649	151	26	cross	cross	NOUN
ajssms-1649	151	27	border	border	NOUN
ajssms-1649	151	28	lending	lending	NOUN
ajssms-1649	151	29	as	as	SCONJ
ajssms-1649	151	30	a	a	DET
ajssms-1649	151	31	one	one	NUM
ajssms-1649	151	32	percentage	percentage	NOUN
ajssms-1649	151	33	point	point	NOUN
ajssms-1649	151	34	increase	increase	NOUN
ajssms-1649	151	35	in	in	ADP
ajssms-1649	151	36	capital	capital	NOUN
ajssms-1649	151	37	requirements	requirement	NOUN
ajssms-1649	151	38	is	be	AUX
ajssms-1649	151	39	associated	associate	VERB
ajssms-1649	151	40	with	with	ADP
ajssms-1649	151	41	a	a	DET
ajssms-1649	151	42	reduction	reduction	NOUN
ajssms-1649	151	43	in	in	ADP
ajssms-1649	151	44	the	the	DET
ajssms-1649	151	45	growth	growth	NOUN
ajssms-1649	151	46	rate	rate	NOUN
ajssms-1649	151	47	of	of	ADP
ajssms-1649	151	48	cross	cross	NOUN
ajssms-1649	151	49	border	border	NOUN
ajssms-1649	151	50	credit	credit	NOUN
ajssms-1649	151	51	of	of	ADP
ajssms-1649	151	52	5.5	5.5	NUM
ajssms-1649	151	53	percentage	percentage	NOUN
ajssms-1649	151	54	points	point	NOUN
ajssms-1649	151	55	.	.	PUNCT
ajssms-1649	152	1	another	another	DET
ajssms-1649	152	2	uk	uk	PROPN
ajssms-1649	152	3	study	study	NOUN
ajssms-1649	152	4	by	by	ADP
ajssms-1649	152	5	noss	noss	PROPN
ajssms-1649	152	6	and	and	CCONJ
ajssms-1649	152	7	toffano	toffano	PROPN
ajssms-1649	152	8	(	(	PUNCT
ajssms-1649	152	9	2014	2014	NUM
ajssms-1649	152	10	)	)	PUNCT
ajssms-1649	152	11	estimated	estimate	VERB
ajssms-1649	152	12	how	how	SCONJ
ajssms-1649	152	13	an	an	DET
ajssms-1649	152	14	increase	increase	NOUN
ajssms-1649	152	15	in	in	ADP
ajssms-1649	152	16	macroprudential	macroprudential	ADJ
ajssms-1649	152	17	capital	capital	NOUN
ajssms-1649	152	18	requirements	requirement	NOUN
ajssms-1649	152	19	might	might	AUX
ajssms-1649	152	20	affect	affect	VERB
ajssms-1649	152	21	banks‟	banks‟	ADP
ajssms-1649	152	22	lending	lend	VERB
ajssms-1649	152	23	in	in	ADP
ajssms-1649	152	24	the	the	DET
ajssms-1649	152	25	face	face	NOUN
ajssms-1649	152	26	of	of	ADP
ajssms-1649	152	27	a	a	DET
ajssms-1649	152	28	credit	credit	NOUN
ajssms-1649	152	29	boom	boom	NOUN
ajssms-1649	152	30	.	.	PUNCT
ajssms-1649	153	1	they	they	PRON
ajssms-1649	153	2	provided	provide	VERB
ajssms-1649	153	3	an	an	DET
ajssms-1649	153	4	upper	upper	ADJ
ajssms-1649	153	5	bound	bind	VERB
ajssms-1649	153	6	estimate	estimate	NOUN
ajssms-1649	153	7	of	of	ADP
ajssms-1649	153	8	4.5	4.5	NUM
ajssms-1649	153	9	%	%	NOUN
ajssms-1649	153	10	reduction	reduction	NOUN
ajssms-1649	153	11	in	in	ADP
ajssms-1649	153	12	lending	lending	NOUN
ajssms-1649	153	13	associated	associate	VERB
ajssms-1649	153	14	with	with	ADP
ajssms-1649	153	15	a	a	DET
ajssms-1649	153	16	one	one	NUM
ajssms-1649	153	17	percentage	percentage	NOUN
ajssms-1649	153	18	point	point	NOUN
ajssms-1649	153	19	increase	increase	NOUN
ajssms-1649	153	20	in	in	ADP
ajssms-1649	153	21	risk	risk	NOUN
ajssms-1649	153	22	weighted	weight	VERB
ajssms-1649	153	23	capital	capital	NOUN
ajssms-1649	153	24	requirement	requirement	NOUN
ajssms-1649	153	25	.	.	PUNCT
ajssms-1649	154	1	following	follow	VERB
ajssms-1649	154	2	the	the	DET
ajssms-1649	154	3	approach	approach	NOUN
ajssms-1649	154	4	of	of	ADP
ajssms-1649	154	5	francis	francis	PROPN
ajssms-1649	154	6	and	and	CCONJ
ajssms-1649	154	7	osborne	osborne	PROPN
ajssms-1649	154	8	(	(	PUNCT
ajssms-1649	154	9	2012	2012	NUM
ajssms-1649	154	10	)	)	PUNCT
ajssms-1649	154	11	and	and	CCONJ
ajssms-1649	154	12	using	use	VERB
ajssms-1649	154	13	the	the	DET
ajssms-1649	154	14	data	datum	NOUN
ajssms-1649	154	15	from	from	ADP
ajssms-1649	154	16	15	15	NUM
ajssms-1649	154	17	countries	country	NOUN
ajssms-1649	154	18	,	,	PUNCT
ajssms-1649	154	19	bis	bi	VERB
ajssms-1649	154	20	mag	mag	INTJ
ajssms-1649	154	21	(	(	PUNCT
ajssms-1649	154	22	macroeconomic	macroeconomic	ADJ
ajssms-1649	154	23	assessment	assessment	NOUN
ajssms-1649	154	24	group	group	NOUN
ajssms-1649	154	25	)	)	PUNCT
ajssms-1649	154	26	(	(	PUNCT
ajssms-1649	154	27	2010	2010	NUM
ajssms-1649	154	28	)	)	PUNCT
ajssms-1649	154	29	estimated	estimate	VERB
ajssms-1649	154	30	that	that	SCONJ
ajssms-1649	154	31	a	a	DET
ajssms-1649	154	32	one	one	NUM
ajssms-1649	154	33	percentage	percentage	NOUN
ajssms-1649	154	34	point	point	NOUN
ajssms-1649	154	35	increase	increase	NOUN
ajssms-1649	154	36	in	in	ADP
ajssms-1649	154	37	capital	capital	NOUN
ajssms-1649	154	38	requirement	requirement	NOUN
ajssms-1649	154	39	causes	cause	VERB
ajssms-1649	154	40	a	a	DET
ajssms-1649	154	41	decline	decline	NOUN
ajssms-1649	154	42	of	of	ADP
ajssms-1649	154	43	1.4	1.4	NUM
ajssms-1649	154	44	%	%	NOUN
ajssms-1649	154	45	in	in	ADP
ajssms-1649	154	46	the	the	DET
ajssms-1649	154	47	volume	volume	NOUN
ajssms-1649	154	48	of	of	ADP
ajssms-1649	154	49	lending	lending	PROPN
ajssms-1649	154	50	.	.	PUNCT
ajssms-1649	155	1	brun	brun	PROPN
ajssms-1649	155	2	et	et	PROPN
ajssms-1649	155	3	al	al	PROPN
ajssms-1649	155	4	.	.	PROPN
ajssms-1649	156	1	(	(	PUNCT
ajssms-1649	156	2	2013	2013	NUM
ajssms-1649	156	3	)	)	PUNCT
ajssms-1649	156	4	estimated	estimate	VERB
ajssms-1649	156	5	the	the	DET
ajssms-1649	156	6	macroeconomic	macroeconomic	ADJ
ajssms-1649	156	7	effect	effect	NOUN
ajssms-1649	156	8	of	of	ADP
ajssms-1649	156	9	the	the	DET
ajssms-1649	156	10	transition	transition	NOUN
ajssms-1649	156	11	from	from	ADP
ajssms-1649	156	12	basel	basel	PROPN
ajssms-1649	156	13	i	i	PROPN
ajssms-1649	156	14	to	to	ADP
ajssms-1649	156	15	basel	basel	PROPN
ajssms-1649	156	16	ii	ii	PROPN
ajssms-1649	156	17	based	base	VERB
ajssms-1649	156	18	regulation	regulation	NOUN
ajssms-1649	156	19	in	in	ADP
ajssms-1649	156	20	france	france	PROPN
ajssms-1649	156	21	.	.	PUNCT
ajssms-1649	157	1	the	the	DET
ajssms-1649	157	2	study	study	NOUN
ajssms-1649	157	3	showed	show	VERB
ajssms-1649	157	4	that	that	SCONJ
ajssms-1649	157	5	a	a	DET
ajssms-1649	157	6	two	two	NUM
ajssms-1649	157	7	percentage	percentage	NOUN
ajssms-1649	157	8	points	point	NOUN
ajssms-1649	157	9	increase	increase	NOUN
ajssms-1649	157	10	in	in	ADP
ajssms-1649	157	11	capital	capital	NOUN
ajssms-1649	157	12	requirements	requirement	NOUN
ajssms-1649	157	13	led	lead	VERB
ajssms-1649	157	14	to	to	ADP
ajssms-1649	157	15	an	an	DET
ajssms-1649	157	16	increase	increase	NOUN
ajssms-1649	157	17	in	in	ADP
ajssms-1649	157	18	aggregate	aggregate	ADJ
ajssms-1649	157	19	corporate	corporate	ADJ
ajssms-1649	157	20	lending	lending	NOUN
ajssms-1649	157	21	by	by	ADP
ajssms-1649	157	22	1.5	1.5	NUM
ajssms-1649	157	23	%	%	NOUN
ajssms-1649	157	24	,	,	PUNCT
ajssms-1649	157	25	a	a	DET
ajssms-1649	157	26	rise	rise	NOUN
ajssms-1649	157	27	in	in	ADP
ajssms-1649	157	28	aggregate	aggregate	ADJ
ajssms-1649	157	29	investment	investment	NOUN
ajssms-1649	157	30	by	by	ADP
ajssms-1649	157	31	0.5	0.5	NUM
ajssms-1649	157	32	%	%	NOUN
ajssms-1649	157	33	and	and	CCONJ
ajssms-1649	157	34	creation	creation	NOUN
ajssms-1649	157	35	or	or	CCONJ
ajssms-1649	157	36	preservation	preservation	NOUN
ajssms-1649	157	37	of	of	ADP
ajssms-1649	157	38	235,000	235,000	NUM
ajssms-1649	157	39	jobs	job	NOUN
ajssms-1649	157	40	.	.	PUNCT
ajssms-1649	158	1	thus	thus	ADV
ajssms-1649	158	2	,	,	PUNCT
ajssms-1649	158	3	most	most	ADV
ajssms-1649	158	4	empirical	empirical	ADJ
ajssms-1649	158	5	evidence	evidence	NOUN
ajssms-1649	158	6	suggested	suggest	VERB
ajssms-1649	158	7	that	that	SCONJ
ajssms-1649	158	8	increase	increase	NOUN
ajssms-1649	158	9	in	in	ADP
ajssms-1649	158	10	capital	capital	NOUN
ajssms-1649	158	11	requirements	requirement	NOUN
ajssms-1649	158	12	by	by	ADP
ajssms-1649	158	13	one	one	NUM
ajssms-1649	158	14	percentage	percentage	NOUN
ajssms-1649	158	15	point	point	NOUN
ajssms-1649	158	16	force	force	NOUN
ajssms-1649	158	17	banks	bank	NOUN
ajssms-1649	158	18	to	to	PART
ajssms-1649	158	19	cut	cut	VERB
ajssms-1649	158	20	their	their	PRON
ajssms-1649	158	21	total	total	ADJ
ajssms-1649	158	22	lending	lending	NOUN
ajssms-1649	158	23	in	in	ADP
ajssms-1649	158	24	the	the	DET
ajssms-1649	158	25	short	short	ADJ
ajssms-1649	158	26	run	run	NOUN
ajssms-1649	158	27	by	by	ADP
ajssms-1649	158	28	1.2	1.2	NUM
ajssms-1649	158	29	-	-	SYM
ajssms-1649	158	30	4.5	4.5	NUM
ajssms-1649	158	31	%	%	NOUN
ajssms-1649	158	32	or	or	CCONJ
ajssms-1649	158	33	reduced	reduce	VERB
ajssms-1649	158	34	credit	credit	NOUN
ajssms-1649	158	35	growth	growth	NOUN
ajssms-1649	158	36	by	by	ADP
ajssms-1649	158	37	1.2	1.2	NUM
ajssms-1649	158	38	-	-	SYM
ajssms-1649	158	39	4.6	4.6	NUM
ajssms-1649	158	40	percentage	percentage	NOUN
ajssms-1649	158	41	points	point	NOUN
ajssms-1649	158	42	.	.	PUNCT
ajssms-1649	159	1	mesonnier	mesonnier	NOUN
ajssms-1649	159	2	and	and	CCONJ
ajssms-1649	159	3	monks	monk	NOUN
ajssms-1649	159	4	(	(	PUNCT
ajssms-1649	159	5	2014	2014	NUM
ajssms-1649	159	6	)	)	PUNCT
ajssms-1649	159	7	used	use	VERB
ajssms-1649	159	8	the	the	DET
ajssms-1649	159	9	recapitalization	recapitalization	NOUN
ajssms-1649	159	10	exercise	exercise	NOUN
ajssms-1649	159	11	of	of	ADP
ajssms-1649	159	12	2011	2011	NUM
ajssms-1649	159	13	-	-	SYM
ajssms-1649	159	14	2012	2012	NUM
ajssms-1649	159	15	by	by	ADP
ajssms-1649	159	16	the	the	DET
ajssms-1649	159	17	european	european	PROPN
ajssms-1649	159	18	banking	banking	PROPN
ajssms-1649	159	19	authority	authority	PROPN
ajssms-1649	159	20	(	(	PUNCT
ajssms-1649	159	21	eba	eba	NOUN
ajssms-1649	159	22	)	)	PUNCT
ajssms-1649	159	23	.	.	PUNCT
ajssms-1649	160	1	the	the	DET
ajssms-1649	160	2	eba	eba	NOUN
ajssms-1649	160	3	announcement	announcement	NOUN
ajssms-1649	160	4	was	be	AUX
ajssms-1649	160	5	unexpected	unexpected	ADJ
ajssms-1649	160	6	and	and	CCONJ
ajssms-1649	160	7	required	require	VERB
ajssms-1649	160	8	banks	bank	NOUN
ajssms-1649	160	9	to	to	PART
ajssms-1649	160	10	have	have	VERB
ajssms-1649	160	11	higher	high	ADJ
ajssms-1649	160	12	capital	capital	NOUN
ajssms-1649	160	13	ratios	ratio	NOUN
ajssms-1649	160	14	than	than	SCONJ
ajssms-1649	160	15	foreseen	foresee	VERB
ajssms-1649	160	16	in	in	ADP
ajssms-1649	160	17	transition	transition	NOUN
ajssms-1649	160	18	to	to	ADP
ajssms-1649	160	19	basel	basel	PROPN
ajssms-1649	160	20	iii	iii	PROPN
ajssms-1649	160	21	.	.	PUNCT
ajssms-1649	161	1	exploiting	exploit	VERB
ajssms-1649	161	2	data	datum	NOUN
ajssms-1649	161	3	for	for	ADP
ajssms-1649	161	4	250	250	NUM
ajssms-1649	161	5	large	large	ADJ
ajssms-1649	161	6	banks	bank	NOUN
ajssms-1649	161	7	in	in	ADP
ajssms-1649	161	8	the	the	DET
ajssms-1649	161	9	euro	euro	PROPN
ajssms-1649	161	10	area	area	NOUN
ajssms-1649	161	11	,	,	PUNCT
ajssms-1649	161	12	they	they	PRON
ajssms-1649	161	13	found	find	VERB
ajssms-1649	161	14	that	that	SCONJ
ajssms-1649	161	15	forcing	force	VERB
ajssms-1649	161	16	a	a	DET
ajssms-1649	161	17	banking	banking	NOUN
ajssms-1649	161	18	group	group	NOUN
ajssms-1649	161	19	to	to	PART
ajssms-1649	161	20	increase	increase	VERB
ajssms-1649	161	21	its	its	PRON
ajssms-1649	161	22	core	core	NOUN
ajssms-1649	161	23	tier	tier	NOUN
ajssms-1649	161	24	1	1	NUM
ajssms-1649	161	25	ratio	ratio	NOUN
ajssms-1649	161	26	by	by	ADP
ajssms-1649	161	27	one	one	NUM
ajssms-1649	161	28	percentage	percentage	NOUN
ajssms-1649	161	29	point	point	NOUN
ajssms-1649	161	30	was	be	AUX
ajssms-1649	161	31	associated	associate	VERB
ajssms-1649	161	32	with	with	ADP
ajssms-1649	161	33	a	a	DET
ajssms-1649	161	34	reduction	reduction	NOUN
ajssms-1649	161	35	in	in	ADP
ajssms-1649	161	36	this	this	DET
ajssms-1649	161	37	group‟s	group‟	NOUN
ajssms-1649	161	38	credit	credit	NOUN
ajssms-1649	161	39	growth	growth	NOUN
ajssms-1649	161	40	by	by	ADP
ajssms-1649	161	41	1.2	1.2	NUM
ajssms-1649	161	42	percentage	percentage	NOUN
ajssms-1649	161	43	points	point	NOUN
ajssms-1649	161	44	.	.	PUNCT
ajssms-1649	162	1	similarly	similarly	ADV
ajssms-1649	162	2	,	,	PUNCT
ajssms-1649	162	3	bridges	bridge	NOUN
ajssms-1649	162	4	et	et	NOUN
ajssms-1649	162	5	al	al	PROPN
ajssms-1649	162	6	.	.	PUNCT
ajssms-1649	163	1	(	(	PUNCT
ajssms-1649	163	2	2014	2014	NUM
ajssms-1649	163	3	)	)	PUNCT
ajssms-1649	163	4	reported	report	VERB
ajssms-1649	163	5	that	that	SCONJ
ajssms-1649	163	6	uk	uk	PROPN
ajssms-1649	163	7	banks	bank	NOUN
ajssms-1649	163	8	faced	face	VERB
ajssms-1649	163	9	with	with	ADP
ajssms-1649	163	10	a	a	DET
ajssms-1649	163	11	one	one	NUM
ajssms-1649	163	12	percentage	percentage	NOUN
ajssms-1649	163	13	point	point	NOUN
ajssms-1649	163	14	increase	increase	NOUN
ajssms-1649	163	15	in	in	ADP
ajssms-1649	163	16	capital	capital	NOUN
ajssms-1649	163	17	requirements	requirement	NOUN
ajssms-1649	163	18	reduced	reduce	VERB
ajssms-1649	163	19	commercial	commercial	ADJ
ajssms-1649	163	20	real	real	ADJ
ajssms-1649	163	21	estate	estate	NOUN
ajssms-1649	163	22	loan	loan	NOUN
ajssms-1649	163	23	growth	growth	NOUN
ajssms-1649	163	24	by	by	ADP
ajssms-1649	163	25	8	8	NUM
ajssms-1649	163	26	percentage	percentage	NOUN
ajssms-1649	163	27	points	point	NOUN
ajssms-1649	163	28	within	within	ADP
ajssms-1649	163	29	one	one	NUM
ajssms-1649	163	30	year	year	NOUN
ajssms-1649	163	31	after	after	ADP
ajssms-1649	163	32	the	the	DET
ajssms-1649	163	33	change	change	NOUN
ajssms-1649	163	34	in	in	ADP
ajssms-1649	163	35	capital	capital	NOUN
ajssms-1649	163	36	regulation	regulation	NOUN
ajssms-1649	163	37	.	.	PUNCT
ajssms-1649	164	1	asian	asian	ADJ
ajssms-1649	164	2	journal	journal	PROPN
ajssms-1649	164	3	of	of	ADP
ajssms-1649	164	4	social	social	ADJ
ajssms-1649	164	5	sciences	sciences	PROPN
ajssms-1649	164	6	and	and	CCONJ
ajssms-1649	164	7	management	management	NOUN
ajssms-1649	164	8	studies	study	NOUN
ajssms-1649	164	9	,	,	PUNCT
ajssms-1649	164	10	2020	2020	NUM
ajssms-1649	164	11	,	,	PUNCT
ajssms-1649	164	12	7(2	7(2	NUM
ajssms-1649	164	13	):	):	PUNCT
ajssms-1649	164	14	124	124	NUM
ajssms-1649	164	15	-	-	SYM
ajssms-1649	164	16	134	134	NUM
ajssms-1649	164	17	128	128	NUM
ajssms-1649	164	18	©	©	PROPN
ajssms-1649	164	19	2020	2020	NUM
ajssms-1649	164	20	by	by	ADP
ajssms-1649	164	21	the	the	DET
ajssms-1649	164	22	authors	author	NOUN
ajssms-1649	164	23	;	;	PUNCT
ajssms-1649	164	24	licensee	licensee	PROPN
ajssms-1649	164	25	asian	asian	ADJ
ajssms-1649	164	26	online	online	PROPN
ajssms-1649	164	27	journal	journal	PROPN
ajssms-1649	164	28	publishing	publishing	NOUN
ajssms-1649	164	29	group	group	PROPN
ajssms-1649	164	30	3	3	NUM
ajssms-1649	164	31	.	.	PUNCT
ajssms-1649	164	32	methodology	methodology	PROPN
ajssms-1649	164	33	3.1	3.1	NUM
ajssms-1649	164	34	.	.	PUNCT
ajssms-1649	165	1	data	datum	NOUN
ajssms-1649	165	2	the	the	DET
ajssms-1649	165	3	data	datum	NOUN
ajssms-1649	165	4	used	use	VERB
ajssms-1649	165	5	for	for	ADP
ajssms-1649	165	6	this	this	DET
ajssms-1649	165	7	study	study	NOUN
ajssms-1649	165	8	was	be	AUX
ajssms-1649	165	9	secondary	secondary	ADJ
ajssms-1649	165	10	in	in	ADP
ajssms-1649	165	11	nature	nature	NOUN
ajssms-1649	165	12	and	and	CCONJ
ajssms-1649	165	13	a	a	DET
ajssms-1649	165	14	time	time	NOUN
ajssms-1649	165	15	series	series	PROPN
ajssms-1649	165	16	data	datum	NOUN
ajssms-1649	165	17	obtained	obtain	VERB
ajssms-1649	165	18	from	from	ADP
ajssms-1649	165	19	the	the	DET
ajssms-1649	165	20	publications	publication	NOUN
ajssms-1649	165	21	of	of	ADP
ajssms-1649	165	22	the	the	DET
ajssms-1649	165	23	central	central	ADJ
ajssms-1649	165	24	bank	bank	PROPN
ajssms-1649	165	25	of	of	ADP
ajssms-1649	165	26	nigeria	nigeria	PROPN
ajssms-1649	165	27	statistical	statistical	ADJ
ajssms-1649	165	28	bulletin	bulletin	NOUN
ajssms-1649	165	29	2019	2019	NUM
ajssms-1649	165	30	and	and	CCONJ
ajssms-1649	165	31	nigeria	nigeria	PROPN
ajssms-1649	165	32	stock	stock	PROPN
ajssms-1649	165	33	exchange	exchange	PROPN
ajssms-1649	165	34	fact	fact	NOUN
ajssms-1649	165	35	sheet	sheet	NOUN
ajssms-1649	165	36	.	.	PUNCT
ajssms-1649	166	1	data	datum	NOUN
ajssms-1649	166	2	were	be	AUX
ajssms-1649	166	3	collected	collect	VERB
ajssms-1649	166	4	for	for	ADP
ajssms-1649	166	5	the	the	DET
ajssms-1649	166	6	period	period	NOUN
ajssms-1649	166	7	of	of	ADP
ajssms-1649	166	8	1986	1986	NUM
ajssms-1649	166	9	to	to	ADP
ajssms-1649	166	10	2019	2019	NUM
ajssms-1649	166	11	on	on	ADP
ajssms-1649	166	12	bank	bank	NOUN
ajssms-1649	166	13	credits	credit	NOUN
ajssms-1649	166	14	to	to	ADP
ajssms-1649	166	15	the	the	DET
ajssms-1649	166	16	private	private	ADJ
ajssms-1649	166	17	sector	sector	NOUN
ajssms-1649	166	18	(	(	PUNCT
ajssms-1649	166	19	cps	cps	PROPN
ajssms-1649	166	20	)	)	PUNCT
ajssms-1649	166	21	and	and	CCONJ
ajssms-1649	166	22	credit	credit	NOUN
ajssms-1649	166	23	to	to	ADP
ajssms-1649	166	24	small	small	ADJ
ajssms-1649	166	25	and	and	CCONJ
ajssms-1649	166	26	medium	medium	ADJ
ajssms-1649	166	27	enterprises	enterprise	NOUN
ajssms-1649	166	28	(	(	PUNCT
ajssms-1649	166	29	csm	csm	NOUN
ajssms-1649	166	30	)	)	PUNCT
ajssms-1649	166	31	as	as	ADP
ajssms-1649	166	32	proxies	proxy	NOUN
ajssms-1649	166	33	for	for	ADP
ajssms-1649	166	34	banks	bank	NOUN
ajssms-1649	166	35	lending	lending	NOUN
ajssms-1649	166	36	behavior	behavior	NOUN
ajssms-1649	166	37	.	.	PUNCT
ajssms-1649	167	1	3.2	3.2	NUM
ajssms-1649	167	2	.	.	PUNCT
ajssms-1649	168	1	estimation	estimation	NOUN
ajssms-1649	168	2	techniques	technique	NOUN
ajssms-1649	168	3	the	the	DET
ajssms-1649	168	4	study	study	NOUN
ajssms-1649	168	5	used	use	VERB
ajssms-1649	168	6	the	the	DET
ajssms-1649	168	7	descriptive	descriptive	ADJ
ajssms-1649	168	8	statistic	statistic	NOUN
ajssms-1649	168	9	and	and	CCONJ
ajssms-1649	168	10	econometric	econometric	VERB
ajssms-1649	168	11	in	in	ADP
ajssms-1649	168	12	its	its	PRON
ajssms-1649	168	13	analysis	analysis	NOUN
ajssms-1649	168	14	.	.	PUNCT
ajssms-1649	169	1	the	the	DET
ajssms-1649	169	2	descriptive	descriptive	ADJ
ajssms-1649	169	3	statistic	statistic	NOUN
ajssms-1649	169	4	analysis	analysis	NOUN
ajssms-1649	169	5	was	be	AUX
ajssms-1649	169	6	carried	carry	VERB
ajssms-1649	169	7	out	out	ADP
ajssms-1649	169	8	to	to	PART
ajssms-1649	169	9	ascertain	ascertain	VERB
ajssms-1649	169	10	the	the	DET
ajssms-1649	169	11	behavior	behavior	NOUN
ajssms-1649	169	12	of	of	ADP
ajssms-1649	169	13	the	the	DET
ajssms-1649	169	14	variables	variable	NOUN
ajssms-1649	169	15	of	of	ADP
ajssms-1649	169	16	study	study	NOUN
ajssms-1649	169	17	utilizing	utilize	VERB
ajssms-1649	169	18	such	such	ADJ
ajssms-1649	169	19	measures	measure	NOUN
ajssms-1649	169	20	as	as	ADP
ajssms-1649	169	21	the	the	DET
ajssms-1649	169	22	mean	mean	ADJ
ajssms-1649	169	23	,	,	PUNCT
ajssms-1649	169	24	median	median	ADJ
ajssms-1649	169	25	,	,	PUNCT
ajssms-1649	169	26	standard	standard	ADJ
ajssms-1649	169	27	deviations	deviation	NOUN
ajssms-1649	169	28	,	,	PUNCT
ajssms-1649	169	29	skewness	skewness	NOUN
ajssms-1649	169	30	and	and	CCONJ
ajssms-1649	169	31	kurtosis	kurtosis	NOUN
ajssms-1649	169	32	,	,	PUNCT
ajssms-1649	169	33	and	and	CCONJ
ajssms-1649	169	34	the	the	DET
ajssms-1649	169	35	jarque	jarque	NOUN
ajssms-1649	169	36	-	-	PUNCT
ajssms-1649	169	37	bera	bera	NOUN
ajssms-1649	169	38	statistic	statistic	NOUN
ajssms-1649	169	39	.	.	PUNCT
ajssms-1649	170	1	furthermore	furthermore	ADV
ajssms-1649	170	2	,	,	PUNCT
ajssms-1649	170	3	the	the	DET
ajssms-1649	170	4	study	study	NOUN
ajssms-1649	170	5	used	use	VERB
ajssms-1649	170	6	graphical	graphical	ADJ
ajssms-1649	170	7	analytical	analytical	ADJ
ajssms-1649	170	8	techniques	technique	NOUN
ajssms-1649	170	9	such	such	ADJ
ajssms-1649	170	10	as	as	ADP
ajssms-1649	170	11	line	line	NOUN
ajssms-1649	170	12	graphs	graph	NOUN
ajssms-1649	170	13	,	,	PUNCT
ajssms-1649	170	14	histogram	histogram	NOUN
ajssms-1649	170	15	and	and	CCONJ
ajssms-1649	170	16	stacked	stack	VERB
ajssms-1649	170	17	bar	bar	NOUN
ajssms-1649	170	18	charts	chart	NOUN
ajssms-1649	170	19	,	,	PUNCT
ajssms-1649	170	20	among	among	ADP
ajssms-1649	170	21	others	other	NOUN
ajssms-1649	170	22	while	while	SCONJ
ajssms-1649	170	23	for	for	ADP
ajssms-1649	170	24	the	the	DET
ajssms-1649	170	25	econometric	econometric	ADJ
ajssms-1649	170	26	analysis	analysis	NOUN
ajssms-1649	170	27	the	the	DET
ajssms-1649	170	28	unit	unit	NOUN
ajssms-1649	170	29	root	root	NOUN
ajssms-1649	170	30	test	test	NOUN
ajssms-1649	170	31	was	be	AUX
ajssms-1649	170	32	used	use	VERB
ajssms-1649	170	33	to	to	PART
ajssms-1649	170	34	investigate	investigate	VERB
ajssms-1649	170	35	the	the	DET
ajssms-1649	170	36	stationarity	stationarity	NOUN
ajssms-1649	170	37	of	of	ADP
ajssms-1649	170	38	the	the	DET
ajssms-1649	170	39	variables	variable	NOUN
ajssms-1649	170	40	as	as	SCONJ
ajssms-1649	170	41	a	a	DET
ajssms-1649	170	42	non	non	X
ajssms-1649	170	43	stationarity	stationarity	NOUN
ajssms-1649	170	44	could	could	AUX
ajssms-1649	170	45	lead	lead	VERB
ajssms-1649	170	46	to	to	ADP
ajssms-1649	170	47	spurious	spurious	ADJ
ajssms-1649	170	48	regression	regression	NOUN
ajssms-1649	170	49	results	result	NOUN
ajssms-1649	170	50	.	.	PUNCT
ajssms-1649	171	1	however	however	ADV
ajssms-1649	171	2	,	,	PUNCT
ajssms-1649	171	3	the	the	DET
ajssms-1649	171	4	ardl	ardl	NOUN
ajssms-1649	171	5	model	model	NOUN
ajssms-1649	171	6	was	be	AUX
ajssms-1649	171	7	be	be	AUX
ajssms-1649	171	8	adopted	adopt	VERB
ajssms-1649	171	9	as	as	ADP
ajssms-1649	171	10	the	the	DET
ajssms-1649	171	11	estimation	estimation	NOUN
ajssms-1649	171	12	technique	technique	NOUN
ajssms-1649	171	13	of	of	ADP
ajssms-1649	171	14	the	the	DET
ajssms-1649	171	15	study	study	NOUN
ajssms-1649	171	16	,	,	PUNCT
ajssms-1649	171	17	while	while	SCONJ
ajssms-1649	171	18	the	the	DET
ajssms-1649	171	19	granger	granger	PROPN
ajssms-1649	171	20	causality	causality	PROPN
ajssms-1649	171	21	test	test	NOUN
ajssms-1649	171	22	was	be	AUX
ajssms-1649	171	23	also	also	ADV
ajssms-1649	171	24	applied	apply	VERB
ajssms-1649	171	25	in	in	ADP
ajssms-1649	171	26	checking	check	VERB
ajssms-1649	171	27	the	the	DET
ajssms-1649	171	28	underlying	underlie	VERB
ajssms-1649	171	29	structure	structure	NOUN
ajssms-1649	171	30	of	of	ADP
ajssms-1649	171	31	the	the	DET
ajssms-1649	171	32	dynamic	dynamic	ADJ
ajssms-1649	171	33	relationship	relationship	NOUN
ajssms-1649	171	34	between	between	ADP
ajssms-1649	171	35	the	the	DET
ajssms-1649	171	36	variables	variable	NOUN
ajssms-1649	171	37	.	.	PUNCT
ajssms-1649	172	1	3.3	3.3	NUM
ajssms-1649	172	2	.	.	PUNCT
ajssms-1649	172	3	model	model	NOUN
ajssms-1649	172	4	specification	specification	NOUN
ajssms-1649	172	5	following	follow	VERB
ajssms-1649	172	6	the	the	DET
ajssms-1649	172	7	previous	previous	ADJ
ajssms-1649	172	8	works	work	NOUN
ajssms-1649	172	9	of	of	ADP
ajssms-1649	172	10	pesaran	pesaran	NOUN
ajssms-1649	172	11	and	and	CCONJ
ajssms-1649	172	12	shin	shin	NOUN
ajssms-1649	172	13	(	(	PUNCT
ajssms-1649	172	14	1996	1996	NUM
ajssms-1649	172	15	)	)	PUNCT
ajssms-1649	172	16	;	;	PUNCT
ajssms-1649	172	17	canta	canta	PROPN
ajssms-1649	172	18	(	(	PUNCT
ajssms-1649	172	19	2011	2011	NUM
ajssms-1649	172	20	)	)	PUNCT
ajssms-1649	172	21	and	and	CCONJ
ajssms-1649	172	22	aliero	aliero	PROPN
ajssms-1649	172	23	,	,	PUNCT
ajssms-1649	172	24	abdullahi	abdullahi	PROPN
ajssms-1649	172	25	,	,	PUNCT
ajssms-1649	172	26	and	and	CCONJ
ajssms-1649	172	27	adamu	adamu	PROPN
ajssms-1649	172	28	(	(	PUNCT
ajssms-1649	172	29	2013	2013	NUM
ajssms-1649	172	30	)	)	PUNCT
ajssms-1649	172	31	the	the	DET
ajssms-1649	172	32	study	study	NOUN
ajssms-1649	172	33	assumed	assume	VERB
ajssms-1649	172	34	that	that	SCONJ
ajssms-1649	172	35	the	the	DET
ajssms-1649	172	36	basel	basel	PROPN
ajssms-1649	172	37	capital	capital	PROPN
ajssms-1649	172	38	channel	channel	PROPN
ajssms-1649	172	39	and	and	CCONJ
ajssms-1649	172	40	lending	lending	NOUN
ajssms-1649	172	41	behavior	behavior	NOUN
ajssms-1649	172	42	of	of	ADP
ajssms-1649	172	43	banking	banking	NOUN
ajssms-1649	172	44	institutions	institution	NOUN
ajssms-1649	172	45	in	in	ADP
ajssms-1649	172	46	nigeria	nigeria	PROPN
ajssms-1649	172	47	:	:	PUNCT
ajssms-1649	172	48	an	an	DET
ajssms-1649	172	49	empirical	empirical	ADJ
ajssms-1649	172	50	investigation	investigation	NOUN
ajssms-1649	172	51	can	can	AUX
ajssms-1649	172	52	be	be	AUX
ajssms-1649	172	53	modeled	model	VERB
ajssms-1649	172	54	using	use	VERB
ajssms-1649	172	55	two	two	NUM
ajssms-1649	172	56	sets	set	NOUN
ajssms-1649	172	57	of	of	ADP
ajssms-1649	172	58	models	model	NOUN
ajssms-1649	172	59	as	as	SCONJ
ajssms-1649	172	60	follows	follow	VERB
ajssms-1649	172	61	:	:	PUNCT
ajssms-1649	172	62	(	(	PUNCT
ajssms-1649	172	63	)	)	PUNCT
ajssms-1649	173	1	eq	eq	NOUN
ajssms-1649	173	2	.	.	PUNCT
ajssms-1649	174	1	(	(	PUNCT
ajssms-1649	174	2	1	1	X
ajssms-1649	174	3	)	)	PUNCT
ajssms-1649	174	4	to	to	PART
ajssms-1649	174	5	have	have	VERB
ajssms-1649	174	6	the	the	DET
ajssms-1649	174	7	estimable	estimable	ADJ
ajssms-1649	174	8	version	version	NOUN
ajssms-1649	174	9	of	of	ADP
ajssms-1649	174	10	above	above	ADP
ajssms-1649	174	11	equation	equation	NOUN
ajssms-1649	174	12	,	,	PUNCT
ajssms-1649	174	13	equation	equation	NOUN
ajssms-1649	174	14	1	1	NUM
ajssms-1649	174	15	can	can	AUX
ajssms-1649	174	16	be	be	AUX
ajssms-1649	174	17	rewritten	rewrite	VERB
ajssms-1649	174	18	to	to	PART
ajssms-1649	174	19	have	have	VERB
ajssms-1649	174	20	:	:	PUNCT
ajssms-1649	174	21	eq	eq	X
ajssms-1649	174	22	.	.	PUNCT
ajssms-1649	175	1	(	(	PUNCT
ajssms-1649	175	2	2	2	NUM
ajssms-1649	175	3	)	)	PUNCT
ajssms-1649	176	1	where	where	SCONJ
ajssms-1649	176	2	:	:	PUNCT
ajssms-1649	176	3	cps	cps	PROPN
ajssms-1649	176	4	=	=	PUNCT
ajssms-1649	176	5	credit	credit	NOUN
ajssms-1649	176	6	to	to	ADP
ajssms-1649	176	7	private	private	ADJ
ajssms-1649	176	8	sector	sector	NOUN
ajssms-1649	176	9	basi	basi	NOUN
ajssms-1649	176	10	=	=	SYM
ajssms-1649	176	11	basel	basel	PROPN
ajssms-1649	177	1	i	i	PROPN
ajssms-1649	177	2	capital	capital	NOUN
ajssms-1649	177	3	(	(	PUNCT
ajssms-1649	177	4	tier	tier	NOUN
ajssms-1649	177	5	1	1	NUM
ajssms-1649	177	6	+	+	NUM
ajssms-1649	177	7	tier	tier	NOUN
ajssms-1649	177	8	2	2	NUM
ajssms-1649	177	9	)	)	PUNCT
ajssms-1649	177	10	.	.	PUNCT
ajssms-1649	178	1	basii	basii	PROPN
ajssms-1649	178	2	=	=	SYM
ajssms-1649	178	3	basel	basel	PROPN
ajssms-1649	178	4	ii	ii	PROPN
ajssms-1649	178	5	capital	capital	PROPN
ajssms-1649	178	6	(	(	PUNCT
ajssms-1649	178	7	total	total	ADJ
ajssms-1649	178	8	capital	capital	NOUN
ajssms-1649	178	9	requirement	requirement	NOUN
ajssms-1649	178	10	)	)	PUNCT
ajssms-1649	178	11	.	.	PUNCT
ajssms-1649	179	1	basiii	basiii	PROPN
ajssms-1649	179	2	=	=	SYM
ajssms-1649	179	3	basel	basel	PROPN
ajssms-1649	179	4	iii	iii	PROPN
ajssms-1649	179	5	capital	capital	NOUN
ajssms-1649	179	6	conservation	conservation	NOUN
ajssms-1649	179	7	buffer	buffer	NOUN
ajssms-1649	179	8	(	(	PUNCT
ajssms-1649	179	9	csb	csb	PROPN
ajssms-1649	179	10	)	)	PUNCT
ajssms-1649	179	11	+	+	NUM
ajssms-1649	179	12	counter	counter	ADJ
ajssms-1649	179	13	-	-	ADJ
ajssms-1649	179	14	cyclical	cyclical	ADJ
ajssms-1649	179	15	buffer	buffer	NOUN
ajssms-1649	179	16	(	(	PUNCT
ajssms-1649	179	17	ccb	ccb	PROPN
ajssms-1649	179	18	)	)	PUNCT
ajssms-1649	179	19	u	u	NOUN
ajssms-1649	179	20	=	=	NOUN
ajssms-1649	179	21	error	error	NOUN
ajssms-1649	179	22	term	term	NOUN
ajssms-1649	179	23	(	(	PUNCT
ajssms-1649	179	24	)	)	PUNCT
ajssms-1649	180	1	eq	eq	NOUN
ajssms-1649	180	2	.	.	PUNCT
ajssms-1649	181	1	(	(	PUNCT
ajssms-1649	181	2	3	3	X
ajssms-1649	181	3	)	)	PUNCT
ajssms-1649	181	4	we	we	PRON
ajssms-1649	181	5	can	can	AUX
ajssms-1649	181	6	rewrite	rewrite	VERB
ajssms-1649	181	7	equation	equation	NOUN
ajssms-1649	181	8	3	3	NUM
ajssms-1649	181	9	to	to	PART
ajssms-1649	181	10	have	have	VERB
ajssms-1649	181	11	:	:	PUNCT
ajssms-1649	181	12	eq	eq	X
ajssms-1649	181	13	.	.	PUNCT
ajssms-1649	182	1	(	(	PUNCT
ajssms-1649	182	2	4	4	NUM
ajssms-1649	182	3	)	)	PUNCT
ajssms-1649	183	1	where	where	SCONJ
ajssms-1649	183	2	:	:	PUNCT
ajssms-1649	183	3	csm	csm	NOUN
ajssms-1649	183	4	=	=	PUNCT
ajssms-1649	183	5	credit	credit	NOUN
ajssms-1649	183	6	to	to	ADP
ajssms-1649	183	7	small	small	ADJ
ajssms-1649	183	8	and	and	CCONJ
ajssms-1649	183	9	medium	medium	ADJ
ajssms-1649	183	10	enterprises	enterprise	NOUN
ajssms-1649	183	11	basi	basi	X
ajssms-1649	183	12	=	=	SYM
ajssms-1649	183	13	basel	basel	PROPN
ajssms-1649	184	1	i	i	PROPN
ajssms-1649	184	2	capital	capital	NOUN
ajssms-1649	184	3	(	(	PUNCT
ajssms-1649	184	4	tier	tier	NOUN
ajssms-1649	184	5	1	1	NUM
ajssms-1649	184	6	+	+	NUM
ajssms-1649	184	7	tier	tier	NOUN
ajssms-1649	184	8	2	2	NUM
ajssms-1649	184	9	)	)	PUNCT
ajssms-1649	184	10	.	.	PUNCT
ajssms-1649	185	1	basii	basii	PROPN
ajssms-1649	185	2	=	=	SYM
ajssms-1649	185	3	basel	basel	PROPN
ajssms-1649	185	4	ii	ii	PROPN
ajssms-1649	185	5	capital	capital	PROPN
ajssms-1649	185	6	(	(	PUNCT
ajssms-1649	185	7	total	total	ADJ
ajssms-1649	185	8	capital	capital	NOUN
ajssms-1649	185	9	requirement	requirement	NOUN
ajssms-1649	185	10	)	)	PUNCT
ajssms-1649	185	11	.	.	PUNCT
ajssms-1649	186	1	basiii	basiii	PROPN
ajssms-1649	186	2	=	=	SYM
ajssms-1649	186	3	basel	basel	PROPN
ajssms-1649	186	4	iii	iii	PROPN
ajssms-1649	186	5	capital	capital	NOUN
ajssms-1649	186	6	conservation	conservation	NOUN
ajssms-1649	186	7	buffer	buffer	NOUN
ajssms-1649	186	8	(	(	PUNCT
ajssms-1649	186	9	csb	csb	PROPN
ajssms-1649	186	10	)	)	PUNCT
ajssms-1649	186	11	+	+	NUM
ajssms-1649	186	12	counter	counter	ADJ
ajssms-1649	186	13	-	-	ADJ
ajssms-1649	186	14	cyclical	cyclical	ADJ
ajssms-1649	186	15	buffer	buffer	NOUN
ajssms-1649	186	16	(	(	PUNCT
ajssms-1649	186	17	ccb	ccb	PROPN
ajssms-1649	186	18	)	)	PUNCT
ajssms-1649	186	19	.	.	PUNCT
ajssms-1649	187	1	u	u	NOUN
ajssms-1649	188	1	=	=	NOUN
ajssms-1649	188	2	error	error	NOUN
ajssms-1649	188	3	term	term	NOUN
ajssms-1649	188	4	4	4	NUM
ajssms-1649	188	5	.	.	PUNCT
ajssms-1649	188	6	data	datum	NOUN
ajssms-1649	188	7	analysis	analysis	NOUN
ajssms-1649	188	8	4.1	4.1	NUM
ajssms-1649	188	9	.	.	PUNCT
ajssms-1649	189	1	trends	trend	NOUN
ajssms-1649	189	2	of	of	ADP
ajssms-1649	189	3	basel	basel	PROPN
ajssms-1649	189	4	capital	capital	NOUN
ajssms-1649	189	5	and	and	CCONJ
ajssms-1649	189	6	macroeconomic	macroeconomic	ADJ
ajssms-1649	189	7	variables	variable	NOUN
ajssms-1649	189	8	6	6	NUM
ajssms-1649	189	9	7	7	NUM
ajssms-1649	189	10	8	8	NUM
ajssms-1649	189	11	9	9	NUM
ajssms-1649	189	12	10	10	NUM
ajssms-1649	189	13	11	11	NUM
ajssms-1649	189	14	12	12	NUM
ajssms-1649	189	15	86	86	NUM
ajssms-1649	189	16	88	88	NUM
ajssms-1649	189	17	90	90	NUM
ajssms-1649	189	18	92	92	NUM
ajssms-1649	189	19	94	94	NUM
ajssms-1649	189	20	96	96	NUM
ajssms-1649	189	21	98	98	NUM
ajssms-1649	189	22	00	00	NUM
ajssms-1649	189	23	02	02	NUM
ajssms-1649	189	24	04	04	NUM
ajssms-1649	189	25	06	06	NUM
ajssms-1649	189	26	08	08	NUM
ajssms-1649	189	27	10	10	NUM
ajssms-1649	189	28	12	12	NUM
ajssms-1649	189	29	14	14	NUM
ajssms-1649	189	30	16	16	NUM
ajssms-1649	189	31	figure-1	figure-1	PROPN
ajssms-1649	189	32	.	.	PUNCT
ajssms-1649	190	1	basel	basel	PROPN
ajssms-1649	190	2	i	i	PROPN
ajssms-1649	190	3	capital	capital	PROPN
ajssms-1649	190	4	.	.	PUNCT
ajssms-1649	191	1	3	3	NUM
ajssms-1649	191	2	4	4	NUM
ajssms-1649	191	3	5	5	NUM
ajssms-1649	191	4	6	6	NUM
ajssms-1649	191	5	7	7	NUM
ajssms-1649	191	6	8	8	NUM
ajssms-1649	191	7	86	86	NUM
ajssms-1649	191	8	88	88	NUM
ajssms-1649	191	9	90	90	NUM
ajssms-1649	191	10	92	92	NUM
ajssms-1649	191	11	94	94	NUM
ajssms-1649	191	12	96	96	NUM
ajssms-1649	191	13	98	98	NUM
ajssms-1649	191	14	00	00	NUM
ajssms-1649	191	15	02	02	NUM
ajssms-1649	191	16	04	04	NUM
ajssms-1649	191	17	06	06	NUM
ajssms-1649	191	18	08	08	NUM
ajssms-1649	191	19	10	10	NUM
ajssms-1649	191	20	12	12	NUM
ajssms-1649	191	21	14	14	NUM
ajssms-1649	191	22	16	16	NUM
ajssms-1649	191	23	figure-2	figure-2	PROPN
ajssms-1649	191	24	.	.	PUNCT
ajssms-1649	192	1	basel	basel	PROPN
ajssms-1649	192	2	ii	ii	PROPN
ajssms-1649	192	3	capital	capital	PROPN
ajssms-1649	192	4	.	.	PUNCT
ajssms-1649	193	1	asian	asian	ADJ
ajssms-1649	193	2	journal	journal	PROPN
ajssms-1649	193	3	of	of	ADP
ajssms-1649	193	4	social	social	ADJ
ajssms-1649	193	5	sciences	sciences	PROPN
ajssms-1649	193	6	and	and	CCONJ
ajssms-1649	193	7	management	management	NOUN
ajssms-1649	193	8	studies	study	NOUN
ajssms-1649	193	9	,	,	PUNCT
ajssms-1649	193	10	2020	2020	NUM
ajssms-1649	193	11	,	,	PUNCT
ajssms-1649	193	12	7(2	7(2	NUM
ajssms-1649	193	13	):	):	PUNCT
ajssms-1649	193	14	124	124	NUM
ajssms-1649	193	15	-	-	SYM
ajssms-1649	193	16	134	134	NUM
ajssms-1649	193	17	129	129	NUM
ajssms-1649	193	18	©	©	PROPN
ajssms-1649	193	19	2020	2020	NUM
ajssms-1649	193	20	by	by	ADP
ajssms-1649	193	21	the	the	DET
ajssms-1649	193	22	authors	author	NOUN
ajssms-1649	193	23	;	;	PUNCT
ajssms-1649	193	24	licensee	licensee	PROPN
ajssms-1649	193	25	asian	asian	ADJ
ajssms-1649	193	26	online	online	PROPN
ajssms-1649	193	27	journal	journal	PROPN
ajssms-1649	193	28	publishing	publishing	NOUN
ajssms-1649	193	29	group	group	NOUN
ajssms-1649	193	30	0	0	NUM
ajssms-1649	193	31	5	5	NUM
ajssms-1649	193	32	10	10	NUM
ajssms-1649	193	33	15	15	NUM
ajssms-1649	193	34	20	20	NUM
ajssms-1649	193	35	25	25	NUM
ajssms-1649	193	36	30	30	NUM
ajssms-1649	193	37	86	86	NUM
ajssms-1649	193	38	88	88	NUM
ajssms-1649	193	39	90	90	NUM
ajssms-1649	193	40	92	92	NUM
ajssms-1649	193	41	94	94	NUM
ajssms-1649	193	42	96	96	NUM
ajssms-1649	193	43	98	98	NUM
ajssms-1649	193	44	00	00	NUM
ajssms-1649	193	45	02	02	NUM
ajssms-1649	193	46	04	04	NUM
ajssms-1649	193	47	06	06	NUM
ajssms-1649	193	48	08	08	NUM
ajssms-1649	193	49	10	10	NUM
ajssms-1649	193	50	12	12	NUM
ajssms-1649	193	51	14	14	NUM
ajssms-1649	193	52	16	16	NUM
ajssms-1649	193	53	figure-3	figure-3	NUM
ajssms-1649	193	54	.	.	PUNCT
ajssms-1649	194	1	basel	basel	PROPN
ajssms-1649	194	2	iii	iii	PROPN
ajssms-1649	194	3	capital	capital	NOUN
ajssms-1649	194	4	.	.	PUNCT
ajssms-1649	195	1	the	the	DET
ajssms-1649	195	2	basel	basel	PROPN
ajssms-1649	195	3	capital	capital	NOUN
ajssms-1649	195	4	trend	trend	NOUN
ajssms-1649	195	5	analyses	analysis	NOUN
ajssms-1649	195	6	are	be	AUX
ajssms-1649	195	7	found	find	VERB
ajssms-1649	195	8	in	in	ADP
ajssms-1649	195	9	figure	figure	NOUN
ajssms-1649	195	10	1	1	NUM
ajssms-1649	195	11	,	,	PUNCT
ajssms-1649	195	12	2	2	NUM
ajssms-1649	195	13	and	and	CCONJ
ajssms-1649	195	14	3	3	NUM
ajssms-1649	195	15	above	above	ADV
ajssms-1649	195	16	.	.	PUNCT
ajssms-1649	196	1	basel	basel	PROPN
ajssms-1649	196	2	i	i	PROPN
ajssms-1649	196	3	capital	capital	NOUN
ajssms-1649	196	4	ratios	ratio	NOUN
ajssms-1649	196	5	in	in	ADP
ajssms-1649	196	6	nigeria	nigeria	PROPN
ajssms-1649	196	7	showed	show	VERB
ajssms-1649	196	8	a	a	DET
ajssms-1649	196	9	rising	rise	VERB
ajssms-1649	196	10	trend	trend	NOUN
ajssms-1649	196	11	in	in	ADP
ajssms-1649	196	12	terms	term	NOUN
ajssms-1649	196	13	of	of	ADP
ajssms-1649	196	14	credit	credit	NOUN
ajssms-1649	196	15	risk	risk	NOUN
ajssms-1649	196	16	provisions	provision	NOUN
ajssms-1649	196	17	.	.	PUNCT
ajssms-1649	197	1	basel	basel	PROPN
ajssms-1649	197	2	ii	ii	PROPN
ajssms-1649	197	3	ratios	ratio	NOUN
ajssms-1649	197	4	showed	show	VERB
ajssms-1649	197	5	a	a	DET
ajssms-1649	197	6	constant	constant	ADJ
ajssms-1649	197	7	trend	trend	NOUN
ajssms-1649	197	8	without	without	ADP
ajssms-1649	197	9	any	any	DET
ajssms-1649	197	10	improvement	improvement	NOUN
ajssms-1649	197	11	in	in	ADP
ajssms-1649	197	12	the	the	DET
ajssms-1649	197	13	absorption	absorption	NOUN
ajssms-1649	197	14	of	of	ADP
ajssms-1649	197	15	credit	credit	NOUN
ajssms-1649	197	16	,	,	PUNCT
ajssms-1649	197	17	market	market	NOUN
ajssms-1649	197	18	and	and	CCONJ
ajssms-1649	197	19	operational	operational	ADJ
ajssms-1649	197	20	risks	risk	NOUN
ajssms-1649	197	21	.	.	PUNCT
ajssms-1649	198	1	however	however	ADV
ajssms-1649	198	2	,	,	PUNCT
ajssms-1649	198	3	basel	basel	PROPN
ajssms-1649	198	4	iii	iii	PROPN
ajssms-1649	198	5	capital	capital	PROPN
ajssms-1649	198	6	showed	show	VERB
ajssms-1649	198	7	a	a	DET
ajssms-1649	198	8	declining	decline	VERB
ajssms-1649	198	9	trend	trend	NOUN
ajssms-1649	198	10	,	,	PUNCT
ajssms-1649	198	11	explained	explain	VERB
ajssms-1649	198	12	by	by	ADP
ajssms-1649	198	13	declining	decline	VERB
ajssms-1649	198	14	provisions	provision	NOUN
ajssms-1649	198	15	in	in	ADP
ajssms-1649	198	16	conservation	conservation	NOUN
ajssms-1649	198	17	and	and	CCONJ
ajssms-1649	198	18	pro	pro	ADJ
ajssms-1649	198	19	-	-	ADJ
ajssms-1649	198	20	cyclical	cyclical	ADJ
ajssms-1649	198	21	buffers	buffer	NOUN
ajssms-1649	198	22	.	.	PUNCT
ajssms-1649	199	1	-10	-10	PUNCT
ajssms-1649	200	1	0	0	NUM
ajssms-1649	201	1	10	10	NUM
ajssms-1649	201	2	20	20	NUM
ajssms-1649	201	3	30	30	NUM
ajssms-1649	201	4	40	40	NUM
ajssms-1649	201	5	86	86	NUM
ajssms-1649	201	6	88	88	NUM
ajssms-1649	201	7	90	90	NUM
ajssms-1649	201	8	92	92	NUM
ajssms-1649	201	9	94	94	NUM
ajssms-1649	201	10	96	96	NUM
ajssms-1649	201	11	98	98	NUM
ajssms-1649	201	12	00	00	NUM
ajssms-1649	201	13	02	02	NUM
ajssms-1649	201	14	04	04	NUM
ajssms-1649	201	15	06	06	NUM
ajssms-1649	201	16	08	08	NUM
ajssms-1649	201	17	10	10	NUM
ajssms-1649	201	18	12	12	NUM
ajssms-1649	201	19	14	14	NUM
ajssms-1649	201	20	16	16	NUM
ajssms-1649	201	21	figure-4	figure-4	NOUN
ajssms-1649	201	22	.	.	PUNCT
ajssms-1649	201	23	credits	credit	NOUN
ajssms-1649	201	24	to	to	ADP
ajssms-1649	201	25	private	private	ADJ
ajssms-1649	201	26	sector	sector	NOUN
ajssms-1649	201	27	.	.	PUNCT
ajssms-1649	202	1	0	0	NUM
ajssms-1649	202	2	4	4	NUM
ajssms-1649	202	3	8	8	NUM
ajssms-1649	202	4	12	12	NUM
ajssms-1649	202	5	16	16	NUM
ajssms-1649	202	6	20	20	NUM
ajssms-1649	202	7	24	24	NUM
ajssms-1649	202	8	28	28	NUM
ajssms-1649	202	9	86	86	NUM
ajssms-1649	202	10	88	88	NUM
ajssms-1649	202	11	90	90	NUM
ajssms-1649	202	12	92	92	NUM
ajssms-1649	202	13	94	94	NUM
ajssms-1649	202	14	96	96	NUM
ajssms-1649	202	15	98	98	NUM
ajssms-1649	202	16	00	00	NUM
ajssms-1649	202	17	02	02	NUM
ajssms-1649	202	18	04	04	NUM
ajssms-1649	202	19	06	06	NUM
ajssms-1649	202	20	08	08	NUM
ajssms-1649	202	21	10	10	NUM
ajssms-1649	202	22	12	12	NUM
ajssms-1649	202	23	14	14	NUM
ajssms-1649	202	24	16	16	NUM
ajssms-1649	202	25	figure-5	figure-5	PROPN
ajssms-1649	202	26	.	.	PUNCT
ajssms-1649	202	27	credits	credit	NOUN
ajssms-1649	202	28	to	to	ADP
ajssms-1649	202	29	small	small	ADJ
ajssms-1649	202	30	and	and	CCONJ
ajssms-1649	202	31	medium	medium	ADJ
ajssms-1649	202	32	enterprises	enterprise	NOUN
ajssms-1649	202	33	.	.	PUNCT
ajssms-1649	203	1	the	the	DET
ajssms-1649	203	2	trends	trend	NOUN
ajssms-1649	203	3	in	in	ADP
ajssms-1649	203	4	bank	bank	NOUN
ajssms-1649	203	5	lending	lending	NOUN
ajssms-1649	203	6	behaviors	behavior	NOUN
ajssms-1649	203	7	are	be	AUX
ajssms-1649	203	8	summarized	summarize	VERB
ajssms-1649	203	9	in	in	ADP
ajssms-1649	203	10	figure	figure	NOUN
ajssms-1649	203	11	4	4	NUM
ajssms-1649	203	12	and	and	CCONJ
ajssms-1649	203	13	5	5	NUM
ajssms-1649	203	14	above	above	ADV
ajssms-1649	203	15	.	.	PUNCT
ajssms-1649	204	1	the	the	DET
ajssms-1649	204	2	growth	growth	NOUN
ajssms-1649	204	3	in	in	ADP
ajssms-1649	204	4	credit	credit	NOUN
ajssms-1649	204	5	to	to	ADP
ajssms-1649	204	6	the	the	DET
ajssms-1649	204	7	private	private	ADJ
ajssms-1649	204	8	sector	sector	NOUN
ajssms-1649	204	9	showed	show	VERB
ajssms-1649	204	10	a	a	DET
ajssms-1649	204	11	rising	rise	VERB
ajssms-1649	204	12	trend	trend	NOUN
ajssms-1649	204	13	with	with	ADP
ajssms-1649	204	14	a	a	DET
ajssms-1649	204	15	remarkable	remarkable	ADJ
ajssms-1649	204	16	peak	peak	NOUN
ajssms-1649	204	17	in	in	ADP
ajssms-1649	204	18	2008	2008	NUM
ajssms-1649	204	19	,	,	PUNCT
ajssms-1649	204	20	and	and	CCONJ
ajssms-1649	204	21	trough	trough	NOUN
ajssms-1649	204	22	in	in	ADP
ajssms-1649	204	23	2019	2019	NUM
ajssms-1649	204	24	.	.	PUNCT
ajssms-1649	205	1	growth	growth	NOUN
ajssms-1649	205	2	of	of	ADP
ajssms-1649	205	3	credit	credit	NOUN
ajssms-1649	205	4	to	to	ADP
ajssms-1649	205	5	the	the	DET
ajssms-1649	205	6	smes	sme	NOUN
ajssms-1649	205	7	sector	sector	NOUN
ajssms-1649	205	8	showed	show	VERB
ajssms-1649	205	9	a	a	DET
ajssms-1649	205	10	remarkable	remarkable	ADJ
ajssms-1649	205	11	downward	downward	ADJ
ajssms-1649	205	12	trend	trend	NOUN
ajssms-1649	205	13	.	.	PUNCT
ajssms-1649	206	1	4.2	4.2	NUM
ajssms-1649	206	2	.	.	PUNCT
ajssms-1649	206	3	descriptive	descriptive	ADJ
ajssms-1649	206	4	statistic	statistic	PROPN
ajssms-1649	206	5	table-1	table-1	NUM
ajssms-1649	206	6	.	.	PUNCT
ajssms-1649	206	7	descriptive	descriptive	ADJ
ajssms-1649	206	8	statistics	statistic	NOUN
ajssms-1649	206	9	.	.	PUNCT
ajssms-1649	207	1	variable	variable	PROPN
ajssms-1649	207	2	cps	cps	PROPN
ajssms-1649	207	3	sme	sme	PROPN
ajssms-1649	207	4	base	base	PROPN
ajssms-1649	207	5	i	i	PRON
ajssms-1649	207	6	base	base	VERB
ajssms-1649	207	7	ii	ii	PROPN
ajssms-1649	207	8	base	base	PROPN
ajssms-1649	207	9	iii	iii	NOUN
ajssms-1649	207	10	mean	mean	NOUN
ajssms-1649	207	11	12.61290	12.61290	NUM
ajssms-1649	208	1	5.336129	5.336129	NUM
ajssms-1649	208	2	9.387097	9.387097	NUM
ajssms-1649	208	3	5.677419	5.677419	NUM
ajssms-1649	208	4	8.870968	8.870968	NUM
ajssms-1649	208	5	median	median	NOUN
ajssms-1649	208	6	11.10000	11.10000	NUM
ajssms-1649	208	7	0.850000	0.850000	NUM
ajssms-1649	208	8	10.00000	10.00000	NUM
ajssms-1649	208	9	6.000000	6.000000	NUM
ajssms-1649	208	10	9.000000	9.000000	NUM
ajssms-1649	208	11	maximum	maximum	ADJ
ajssms-1649	208	12	36.90000	36.90000	NUM
ajssms-1649	208	13	27.04000	27.04000	NUM
ajssms-1649	208	14	11.00000	11.00000	NUM
ajssms-1649	208	15	7.000000	7.000000	NUM
ajssms-1649	208	16	27.00000	27.00000	NUM
ajssms-1649	208	17	minimum	minimum	ADJ
ajssms-1649	208	18	-2.400000	-2.400000	NOUN
ajssms-1649	208	19	0.000000	0.000000	NUM
ajssms-1649	209	1	7.000000	7.000000	NUM
ajssms-1649	209	2	4.000000	4.000000	NUM
ajssms-1649	209	3	4.000000	4.000000	NUM
ajssms-1649	209	4	std	std	NOUN
ajssms-1649	209	5	.	.	PUNCT
ajssms-1649	210	1	dev	dev	PROPN
ajssms-1649	210	2	.	.	PUNCT
ajssms-1649	211	1	7.314084	7.314084	NUM
ajssms-1649	211	2	7.155078	7.155078	NUM
ajssms-1649	211	3	1.202149	1.202149	NUM
ajssms-1649	211	4	0.747757	0.747757	NUM
ajssms-1649	211	5	4.318502	4.318502	NUM
ajssms-1649	211	6	skewness	skewness	NOUN
ajssms-1649	211	7	1.301863	1.301863	NUM
ajssms-1649	211	8	1.268652	1.268652	NUM
ajssms-1649	211	9	-1.251100	-1.251100	NOUN
ajssms-1649	211	10	0.103223	0.103223	NUM
ajssms-1649	211	11	2.697124	2.697124	NUM
ajssms-1649	211	12	kurtosis	kurtosis	VERB
ajssms-1649	211	13	5.815111	5.815111	NUM
ajssms-1649	211	14	3.864529	3.864529	NUM
ajssms-1649	211	15	2.962837	2.962837	NUM
ajssms-1649	211	16	2.515799	2.515799	NUM
ajssms-1649	211	17	11.57840	11.57840	NUM
ajssms-1649	211	18	jarque	jarque	NOUN
ajssms-1649	211	19	-	-	PUNCT
ajssms-1649	211	20	bera	bera	NOUN
ajssms-1649	211	21	18.99297	18.99297	NUM
ajssms-1649	211	22	9.281046	9.281046	NUM
ajssms-1649	211	23	8.088911	8.088911	NUM
ajssms-1649	211	24	0.357883	0.357883	NUM
ajssms-1649	211	25	132.6373	132.6373	NUM
ajssms-1649	211	26	probability	probability	NOUN
ajssms-1649	211	27	0.000075	0.000075	NUM
ajssms-1649	211	28	0.009653	0.009653	NUM
ajssms-1649	211	29	0.017519	0.017519	NUM
ajssms-1649	211	30	0.836155	0.836155	NUM
ajssms-1649	211	31	0.000000	0.000000	NUM
ajssms-1649	211	32	observations	observation	NOUN
ajssms-1649	211	33	31	31	NUM
ajssms-1649	211	34	31	31	NUM
ajssms-1649	211	35	31	31	NUM
ajssms-1649	211	36	31	31	NUM
ajssms-1649	211	37	31	31	NUM
ajssms-1649	211	38	note	note	NOUN
ajssms-1649	211	39	:	:	PUNCT
ajssms-1649	211	40	cps	cps	PROPN
ajssms-1649	211	41	=	=	PUNCT
ajssms-1649	211	42	credit	credit	NOUN
ajssms-1649	211	43	to	to	ADP
ajssms-1649	211	44	private	private	ADJ
ajssms-1649	211	45	sector	sector	NOUN
ajssms-1649	211	46	.	.	PUNCT
ajssms-1649	212	1	sme	sme	NOUN
ajssms-1649	212	2	=	=	PUNCT
ajssms-1649	212	3	small	small	ADJ
ajssms-1649	212	4	and	and	CCONJ
ajssms-1649	212	5	medium	medium	ADJ
ajssms-1649	212	6	enterprises	enterprise	NOUN
ajssms-1649	212	7	.	.	PUNCT
ajssms-1649	213	1	=	=	PRON
ajssms-1649	214	1	basel	basel	PROPN
ajssms-1649	214	2	i	i	PROPN
ajssms-1649	214	3	capital	capital	NOUN
ajssms-1649	214	4	(	(	PUNCT
ajssms-1649	214	5	tier	tier	NOUN
ajssms-1649	214	6	1	1	NUM
ajssms-1649	214	7	+	+	NUM
ajssms-1649	214	8	tier	tier	NOUN
ajssms-1649	214	9	2	2	NUM
ajssms-1649	214	10	)	)	PUNCT
ajssms-1649	214	11	.	.	PUNCT
ajssms-1649	215	1	=	=	PROPN
ajssms-1649	215	2	basel	basel	PROPN
ajssms-1649	215	3	ii	ii	PROPN
ajssms-1649	215	4	capital	capital	PROPN
ajssms-1649	215	5	(	(	PUNCT
ajssms-1649	215	6	total	total	ADJ
ajssms-1649	215	7	minimum	minimum	ADJ
ajssms-1649	215	8	capital	capital	NOUN
ajssms-1649	215	9	)	)	PUNCT
ajssms-1649	215	10	.	.	PUNCT
ajssms-1649	216	1	=	=	PRON
ajssms-1649	216	2	basel	basel	PROPN
ajssms-1649	216	3	iii	iii	PROPN
ajssms-1649	216	4	capital	capital	PROPN
ajssms-1649	216	5	(	(	PUNCT
ajssms-1649	216	6	conservation	conservation	NOUN
ajssms-1649	216	7	buffer	buffer	NOUN
ajssms-1649	216	8	(	(	PUNCT
ajssms-1649	216	9	csb	csb	PROPN
ajssms-1649	216	10	)	)	PUNCT
ajssms-1649	216	11	+	+	NUM
ajssms-1649	216	12	counter	counter	ADJ
ajssms-1649	216	13	-	-	ADJ
ajssms-1649	216	14	cyclical	cyclical	ADJ
ajssms-1649	216	15	buffer	buffer	NOUN
ajssms-1649	216	16	(	(	PUNCT
ajssms-1649	216	17	ccb	ccb	PROPN
ajssms-1649	216	18	)	)	PUNCT
ajssms-1649	216	19	)	)	PUNCT
ajssms-1649	216	20	.	.	PUNCT
ajssms-1649	217	1	the	the	DET
ajssms-1649	217	2	results	result	NOUN
ajssms-1649	217	3	in	in	ADP
ajssms-1649	217	4	table	table	NOUN
ajssms-1649	217	5	1	1	NUM
ajssms-1649	217	6	showed	show	VERB
ajssms-1649	217	7	mean	mean	ADJ
ajssms-1649	217	8	values	value	NOUN
ajssms-1649	217	9	of	of	ADP
ajssms-1649	217	10	9.38	9.38	NUM
ajssms-1649	217	11	%	%	NOUN
ajssms-1649	217	12	,	,	PUNCT
ajssms-1649	217	13	5.68	5.68	NUM
ajssms-1649	217	14	%	%	NOUN
ajssms-1649	217	15	and	and	CCONJ
ajssms-1649	217	16	8.87	8.87	NUM
ajssms-1649	217	17	%	%	NOUN
ajssms-1649	217	18	for	for	ADP
ajssms-1649	217	19	basel	basel	PROPN
ajssms-1649	217	20	i	i	PROPN
ajssms-1649	217	21	,	,	PUNCT
ajssms-1649	217	22	ii	ii	PROPN
ajssms-1649	217	23	,	,	PUNCT
ajssms-1649	217	24	and	and	CCONJ
ajssms-1649	217	25	iii	iii	VERB
ajssms-1649	217	26	for	for	ADP
ajssms-1649	217	27	the	the	DET
ajssms-1649	217	28	period	period	NOUN
ajssms-1649	217	29	under	under	ADP
ajssms-1649	217	30	study	study	NOUN
ajssms-1649	217	31	.	.	PUNCT
ajssms-1649	218	1	the	the	DET
ajssms-1649	218	2	gap	gap	NOUN
ajssms-1649	218	3	between	between	ADP
ajssms-1649	218	4	the	the	DET
ajssms-1649	218	5	maximum	maximum	ADJ
ajssms-1649	218	6	and	and	CCONJ
ajssms-1649	218	7	minimum	minimum	ADJ
ajssms-1649	218	8	values	value	NOUN
ajssms-1649	218	9	is	be	AUX
ajssms-1649	218	10	widest	widest	ADJ
ajssms-1649	218	11	in	in	ADP
ajssms-1649	218	12	terms	term	NOUN
ajssms-1649	218	13	of	of	ADP
ajssms-1649	218	14	basel	basel	PROPN
ajssms-1649	218	15	iii	iii	PROPN
ajssms-1649	218	16	(	(	PUNCT
ajssms-1649	218	17	27.0	27.0	NUM
ajssms-1649	218	18	and	and	CCONJ
ajssms-1649	218	19	4.0	4.0	NUM
ajssms-1649	218	20	)	)	PUNCT
ajssms-1649	218	21	.	.	PUNCT
ajssms-1649	219	1	in	in	ADP
ajssms-1649	219	2	addition	addition	NOUN
ajssms-1649	219	3	,	,	PUNCT
ajssms-1649	219	4	the	the	DET
ajssms-1649	219	5	provisions	provision	NOUN
ajssms-1649	219	6	under	under	ADP
ajssms-1649	219	7	basel	basel	PROPN
ajssms-1649	219	8	iii	iii	X
ajssms-1649	219	9	offer	offer	VERB
ajssms-1649	219	10	wider	wide	ADJ
ajssms-1649	219	11	absolute	absolute	ADJ
ajssms-1649	219	12	variations	variation	NOUN
ajssms-1649	219	13	with	with	ADP
ajssms-1649	219	14	a	a	DET
ajssms-1649	219	15	standard	standard	ADJ
ajssms-1649	219	16	deviation	deviation	NOUN
ajssms-1649	219	17	of	of	ADP
ajssms-1649	219	18	4.32	4.32	NUM
ajssms-1649	219	19	%	%	NOUN
ajssms-1649	219	20	.	.	PUNCT
ajssms-1649	220	1	with	with	ADP
ajssms-1649	220	2	a	a	DET
ajssms-1649	220	3	mean	mean	ADJ
ajssms-1649	220	4	average	average	NOUN
ajssms-1649	220	5	of	of	ADP
ajssms-1649	220	6	12.61	12.61	NUM
ajssms-1649	220	7	%	%	NOUN
ajssms-1649	220	8	and	and	CCONJ
ajssms-1649	220	9	5.34	5.34	NUM
ajssms-1649	220	10	%	%	NOUN
ajssms-1649	220	11	,	,	PUNCT
ajssms-1649	220	12	it	it	PRON
ajssms-1649	220	13	is	be	AUX
ajssms-1649	220	14	observed	observe	VERB
ajssms-1649	220	15	that	that	SCONJ
ajssms-1649	220	16	growth	growth	NOUN
ajssms-1649	220	17	in	in	ADP
ajssms-1649	220	18	credit	credit	NOUN
ajssms-1649	220	19	to	to	ADP
ajssms-1649	220	20	the	the	DET
ajssms-1649	220	21	private	private	ADJ
ajssms-1649	220	22	sector	sector	NOUN
ajssms-1649	220	23	and	and	CCONJ
ajssms-1649	220	24	smes	sme	NOUN
ajssms-1649	220	25	experienced	experience	VERB
ajssms-1649	220	26	asian	asian	ADJ
ajssms-1649	220	27	journal	journal	NOUN
ajssms-1649	220	28	of	of	ADP
ajssms-1649	220	29	social	social	ADJ
ajssms-1649	220	30	sciences	sciences	PROPN
ajssms-1649	220	31	and	and	CCONJ
ajssms-1649	220	32	management	management	NOUN
ajssms-1649	220	33	studies	study	NOUN
ajssms-1649	220	34	,	,	PUNCT
ajssms-1649	220	35	2020	2020	NUM
ajssms-1649	220	36	,	,	PUNCT
ajssms-1649	220	37	7(2	7(2	NUM
ajssms-1649	220	38	):	):	PUNCT
ajssms-1649	220	39	124	124	NUM
ajssms-1649	220	40	-	-	SYM
ajssms-1649	220	41	134	134	NUM
ajssms-1649	220	42	130	130	NUM
ajssms-1649	220	43	©	©	PROPN
ajssms-1649	220	44	2020	2020	NUM
ajssms-1649	220	45	by	by	ADP
ajssms-1649	220	46	the	the	DET
ajssms-1649	220	47	authors	author	NOUN
ajssms-1649	220	48	;	;	PUNCT
ajssms-1649	220	49	licensee	licensee	PROPN
ajssms-1649	220	50	asian	asian	ADJ
ajssms-1649	220	51	online	online	PROPN
ajssms-1649	220	52	journal	journal	PROPN
ajssms-1649	220	53	publishing	publishing	NOUN
ajssms-1649	220	54	group	group	NOUN
ajssms-1649	220	55	the	the	DET
ajssms-1649	220	56	widest	wide	ADJ
ajssms-1649	220	57	swing	swing	NOUN
ajssms-1649	220	58	with	with	ADP
ajssms-1649	220	59	a	a	DET
ajssms-1649	220	60	standard	standard	ADJ
ajssms-1649	220	61	deviation	deviation	NOUN
ajssms-1649	220	62	of	of	ADP
ajssms-1649	220	63	7.31	7.31	NUM
ajssms-1649	220	64	%	%	NOUN
ajssms-1649	220	65	and	and	CCONJ
ajssms-1649	220	66	7.16	7.16	NUM
ajssms-1649	220	67	%	%	NOUN
ajssms-1649	220	68	.	.	PUNCT
ajssms-1649	221	1	the	the	DET
ajssms-1649	221	2	distributions	distribution	NOUN
ajssms-1649	221	3	of	of	ADP
ajssms-1649	221	4	basel	basel	PROPN
ajssms-1649	221	5	capital	capital	NOUN
ajssms-1649	221	6	and	and	CCONJ
ajssms-1649	221	7	variables	variable	NOUN
ajssms-1649	221	8	of	of	ADP
ajssms-1649	221	9	lending	lending	NOUN
ajssms-1649	221	10	bahaviors	bahavior	NOUN
ajssms-1649	221	11	are	be	AUX
ajssms-1649	221	12	not	not	PART
ajssms-1649	221	13	normal	normal	ADJ
ajssms-1649	221	14	with	with	ADP
ajssms-1649	221	15	evident	evident	ADJ
ajssms-1649	221	16	of	of	ADP
ajssms-1649	221	17	asymmetrical	asymmetrical	ADJ
ajssms-1649	221	18	skewness	skewness	NOUN
ajssms-1649	221	19	,	,	PUNCT
ajssms-1649	221	20	leptokurtic	leptokurtic	ADJ
ajssms-1649	221	21	kurtosis	kurtosis	NOUN
ajssms-1649	221	22	and	and	CCONJ
ajssms-1649	221	23	flat	flat	ADJ
ajssms-1649	221	24	tails	tail	NOUN
ajssms-1649	221	25	.	.	PUNCT
ajssms-1649	222	1	this	this	PRON
ajssms-1649	222	2	is	be	AUX
ajssms-1649	222	3	confirmed	confirm	VERB
ajssms-1649	222	4	by	by	ADP
ajssms-1649	222	5	the	the	DET
ajssms-1649	222	6	jarque	jarque	NOUN
ajssms-1649	222	7	-	-	PUNCT
ajssms-1649	222	8	bera	bera	NOUN
ajssms-1649	222	9	statistics	statistic	NOUN
ajssms-1649	222	10	and	and	CCONJ
ajssms-1649	222	11	associated	associated	ADJ
ajssms-1649	222	12	probabilities	probability	NOUN
ajssms-1649	222	13	.	.	PUNCT
ajssms-1649	223	1	4.3	4.3	NUM
ajssms-1649	223	2	.	.	PUNCT
ajssms-1649	223	3	econometric	econometric	PROPN
ajssms-1649	223	4	analyses	analysis	NOUN
ajssms-1649	223	5	4.3.1	4.3.1	NUM
ajssms-1649	223	6	.	.	PUNCT
ajssms-1649	223	7	unit	unit	NOUN
ajssms-1649	223	8	root	root	PROPN
ajssms-1649	223	9	test	test	NOUN
ajssms-1649	223	10	table-2	table-2	NUM
ajssms-1649	223	11	.	.	PUNCT
ajssms-1649	223	12	unit	unit	NOUN
ajssms-1649	223	13	root	root	PROPN
ajssms-1649	223	14	test	test	NOUN
ajssms-1649	223	15	for	for	ADP
ajssms-1649	223	16	basel	basel	NOUN
ajssms-1649	223	17	measures	measure	NOUN
ajssms-1649	223	18	.	.	PUNCT
ajssms-1649	224	1	variable	variable	ADJ
ajssms-1649	224	2	d(basi	d(basi	PROPN
ajssms-1649	224	3	)	)	PUNCT
ajssms-1649	224	4	d(basii	d(basii	NOUN
ajssms-1649	224	5	)	)	PUNCT
ajssms-1649	224	6	d(basiii	d(basiii	PROPN
ajssms-1649	224	7	)	)	PUNCT
ajssms-1649	224	8	adf	adf	PROPN
ajssms-1649	224	9	statistics	statistic	NOUN
ajssms-1649	224	10	-7.587722	-7.587722	PROPN
ajssms-1649	224	11	-6.903685	-6.903685	NOUN
ajssms-1649	224	12	-6.284499	-6.284499	NOUN
ajssms-1649	225	1	1	1	NUM
ajssms-1649	225	2	%	%	NOUN
ajssms-1649	225	3	-3.679322	-3.679322	PROPN
ajssms-1649	225	4	-3.679322	-3.679322	PROPN
ajssms-1649	225	5	-3.679322	-3.679322	PROPN
ajssms-1649	225	6	5	5	NUM
ajssms-1649	225	7	%	%	NOUN
ajssms-1649	225	8	-2.967767	-2.967767	NOUN
ajssms-1649	225	9	-2.967767	-2.967767	NOUN
ajssms-1649	225	10	-2.967767	-2.967767	PUNCT
ajssms-1649	225	11	10	10	NUM
ajssms-1649	225	12	%	%	NOUN
ajssms-1649	225	13	-2.622989	-2.622989	PROPN
ajssms-1649	225	14	-2.622989	-2.622989	PROPN
ajssms-1649	225	15	-2.622989	-2.622989	VERB
ajssms-1649	225	16	probability	probability	NOUN
ajssms-1649	226	1	0.0000	0.0000	NUM
ajssms-1649	226	2	0.0000	0.0000	NUM
ajssms-1649	226	3	0.0000	0.0000	NUM
ajssms-1649	226	4	.	.	PUNCT
ajssms-1649	227	1	the	the	DET
ajssms-1649	227	2	study	study	NOUN
ajssms-1649	227	3	conducted	conduct	VERB
ajssms-1649	227	4	stationary	stationary	ADJ
ajssms-1649	227	5	test	test	NOUN
ajssms-1649	227	6	for	for	ADP
ajssms-1649	227	7	the	the	DET
ajssms-1649	227	8	basel	basel	PROPN
ajssms-1649	227	9	capital	capital	PROPN
ajssms-1649	227	10	channel	channel	PROPN
ajssms-1649	227	11	variables	variable	NOUN
ajssms-1649	227	12	using	use	VERB
ajssms-1649	227	13	the	the	DET
ajssms-1649	227	14	augmented	augment	VERB
ajssms-1649	227	15	dickey	dickey	PROPN
ajssms-1649	227	16	fuller	full	ADJ
ajssms-1649	227	17	(	(	PUNCT
ajssms-1649	227	18	adf	adf	NOUN
ajssms-1649	227	19	)	)	PUNCT
ajssms-1649	227	20	unit	unit	NOUN
ajssms-1649	227	21	root	root	NOUN
ajssms-1649	227	22	test	test	NOUN
ajssms-1649	227	23	.	.	PUNCT
ajssms-1649	228	1	the	the	DET
ajssms-1649	228	2	results	result	NOUN
ajssms-1649	228	3	are	be	AUX
ajssms-1649	228	4	summarized	summarize	VERB
ajssms-1649	228	5	and	and	CCONJ
ajssms-1649	228	6	presented	present	VERB
ajssms-1649	228	7	in	in	ADP
ajssms-1649	228	8	table	table	NOUN
ajssms-1649	228	9	2	2	NUM
ajssms-1649	228	10	for	for	ADP
ajssms-1649	228	11	each	each	PRON
ajssms-1649	228	12	of	of	ADP
ajssms-1649	228	13	the	the	DET
ajssms-1649	228	14	variables	variable	NOUN
ajssms-1649	228	15	studied	study	VERB
ajssms-1649	228	16	.	.	PUNCT
ajssms-1649	229	1	from	from	ADP
ajssms-1649	229	2	the	the	DET
ajssms-1649	229	3	above	above	ADJ
ajssms-1649	229	4	table	table	NOUN
ajssms-1649	229	5	it	it	PRON
ajssms-1649	229	6	is	be	AUX
ajssms-1649	229	7	obvious	obvious	ADJ
ajssms-1649	229	8	that	that	SCONJ
ajssms-1649	229	9	the	the	DET
ajssms-1649	229	10	three	three	NUM
ajssms-1649	229	11	variables	variable	NOUN
ajssms-1649	229	12	were	be	AUX
ajssms-1649	229	13	non	non	NOUN
ajssms-1649	229	14	stationary	stationary	ADJ
ajssms-1649	229	15	at	at	ADP
ajssms-1649	229	16	levels	level	NOUN
ajssms-1649	229	17	but	but	CCONJ
ajssms-1649	229	18	appears	appear	VERB
ajssms-1649	229	19	stationary	stationary	ADJ
ajssms-1649	229	20	at	at	ADP
ajssms-1649	229	21	first	first	ADJ
ajssms-1649	229	22	difference	difference	NOUN
ajssms-1649	229	23	.	.	PUNCT
ajssms-1649	230	1	hence	hence	ADV
ajssms-1649	230	2	,	,	PUNCT
ajssms-1649	230	3	the	the	DET
ajssms-1649	230	4	series	series	NOUN
ajssms-1649	230	5	are	be	AUX
ajssms-1649	230	6	all	all	ADV
ajssms-1649	230	7	integrated	integrate	VERB
ajssms-1649	230	8	of	of	ADP
ajssms-1649	230	9	order	order	NOUN
ajssms-1649	230	10	1(1	1(1	NUM
ajssms-1649	230	11	)	)	PUNCT
ajssms-1649	230	12	.	.	PUNCT
ajssms-1649	231	1	this	this	PRON
ajssms-1649	231	2	is	be	AUX
ajssms-1649	231	3	evidenced	evidence	VERB
ajssms-1649	231	4	by	by	ADP
ajssms-1649	231	5	the	the	DET
ajssms-1649	231	6	fact	fact	NOUN
ajssms-1649	231	7	that	that	SCONJ
ajssms-1649	231	8	the	the	DET
ajssms-1649	231	9	absolute	absolute	ADJ
ajssms-1649	231	10	values	value	NOUN
ajssms-1649	231	11	of	of	ADP
ajssms-1649	231	12	the	the	DET
ajssms-1649	231	13	adf	adf	PROPN
ajssms-1649	231	14	test	test	NOUN
ajssms-1649	231	15	statistics	statistic	NOUN
ajssms-1649	231	16	are	be	AUX
ajssms-1649	231	17	all	all	ADV
ajssms-1649	231	18	greater	great	ADJ
ajssms-1649	231	19	than	than	ADP
ajssms-1649	231	20	the	the	DET
ajssms-1649	231	21	mackinnon	mackinnon	PROPN
ajssms-1649	231	22	critical	critical	ADJ
ajssms-1649	231	23	values	value	NOUN
ajssms-1649	231	24	at	at	ADP
ajssms-1649	231	25	1	1	NUM
ajssms-1649	231	26	%	%	NOUN
ajssms-1649	231	27	,	,	PUNCT
ajssms-1649	231	28	5	5	NUM
ajssms-1649	231	29	%	%	NOUN
ajssms-1649	231	30	,	,	PUNCT
ajssms-1649	231	31	and	and	CCONJ
ajssms-1649	231	32	10	10	NUM
ajssms-1649	231	33	%	%	NOUN
ajssms-1649	231	34	level	level	NOUN
ajssms-1649	231	35	significance	significance	NOUN
ajssms-1649	231	36	and	and	CCONJ
ajssms-1649	231	37	thus	thus	ADV
ajssms-1649	231	38	the	the	DET
ajssms-1649	231	39	respective	respective	ADJ
ajssms-1649	231	40	null	null	ADJ
ajssms-1649	231	41	hypotheses	hypothesis	NOUN
ajssms-1649	231	42	of	of	ADP
ajssms-1649	231	43	non	non	ADJ
ajssms-1649	231	44	-	-	ADJ
ajssms-1649	231	45	stationary	stationary	ADJ
ajssms-1649	231	46	are	be	AUX
ajssms-1649	231	47	rejected	reject	VERB
ajssms-1649	231	48	,	,	PUNCT
ajssms-1649	231	49	implying	imply	VERB
ajssms-1649	231	50	the	the	DET
ajssms-1649	231	51	absence	absence	NOUN
ajssms-1649	231	52	of	of	ADP
ajssms-1649	231	53	unit	unit	NOUN
ajssms-1649	231	54	root	root	NOUN
ajssms-1649	231	55	among	among	ADP
ajssms-1649	231	56	the	the	DET
ajssms-1649	231	57	variables	variable	NOUN
ajssms-1649	231	58	.	.	PUNCT
ajssms-1649	232	1	table-3	table-3	X
ajssms-1649	232	2	.	.	PUNCT
ajssms-1649	232	3	unit	unit	NOUN
ajssms-1649	232	4	root	root	PROPN
ajssms-1649	232	5	test	test	NOUN
ajssms-1649	232	6	for	for	ADP
ajssms-1649	232	7	selected	select	VERB
ajssms-1649	232	8	macroeconomic	macroeconomic	ADJ
ajssms-1649	232	9	variables	variable	NOUN
ajssms-1649	232	10	in	in	ADP
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ajssms-1649	237	17	adf	adf	NOUN
ajssms-1649	237	18	)	)	PUNCT
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ajssms-1649	239	10	the	the	DET
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ajssms-1649	239	13	variables	variable	NOUN
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ajssms-1649	239	22	at	at	ADP
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ajssms-1649	240	10	1(1	1(1	NUM
ajssms-1649	240	11	)	)	PUNCT
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ajssms-1649	241	1	this	this	PRON
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ajssms-1649	241	4	by	by	ADP
ajssms-1649	241	5	the	the	DET
ajssms-1649	241	6	fact	fact	NOUN
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ajssms-1649	241	8	the	the	DET
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ajssms-1649	241	25	1	1	NUM
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ajssms-1649	241	29	%	%	NOUN
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ajssms-1649	242	1	4.4	4.4	NUM
ajssms-1649	242	2	.	.	PUNCT
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ajssms-1649	242	17	ardl	ardl	NOUN
ajssms-1649	242	18	)	)	PUNCT
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ajssms-1649	243	12	cps(-1	cps(-1	VERB
ajssms-1649	243	13	)	)	PUNCT
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ajssms-1649	245	2	cps(-4	cps(-4	PROPN
ajssms-1649	245	3	)	)	PUNCT
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ajssms-1649	247	14	)	)	PUNCT
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ajssms-1649	251	26	do	do	AUX
ajssms-1649	251	27	not	not	PART
ajssms-1649	251	28	account	account	VERB
ajssms-1649	251	29	for	for	ADP
ajssms-1649	251	30	model	model	NOUN
ajssms-1649	251	31	selection	selection	NOUN
ajssms-1649	251	32	.	.	PUNCT
ajssms-1649	252	1	asian	asian	ADJ
ajssms-1649	252	2	journal	journal	PROPN
ajssms-1649	252	3	of	of	ADP
ajssms-1649	252	4	social	social	ADJ
ajssms-1649	252	5	sciences	sciences	PROPN
ajssms-1649	252	6	and	and	CCONJ
ajssms-1649	252	7	management	management	NOUN
ajssms-1649	252	8	studies	study	NOUN
ajssms-1649	252	9	,	,	PUNCT
ajssms-1649	252	10	2020	2020	NUM
ajssms-1649	252	11	,	,	PUNCT
ajssms-1649	252	12	7(2	7(2	NUM
ajssms-1649	252	13	):	):	PUNCT
ajssms-1649	252	14	124	124	NUM
ajssms-1649	252	15	-	-	SYM
ajssms-1649	252	16	134	134	NUM
ajssms-1649	252	17	131	131	NUM
ajssms-1649	252	18	©	©	PROPN
ajssms-1649	252	19	2020	2020	NUM
ajssms-1649	252	20	by	by	ADP
ajssms-1649	252	21	the	the	DET
ajssms-1649	252	22	authors	author	NOUN
ajssms-1649	252	23	;	;	PUNCT
ajssms-1649	252	24	licensee	licensee	PROPN
ajssms-1649	252	25	asian	asian	ADJ
ajssms-1649	252	26	online	online	PROPN
ajssms-1649	252	27	journal	journal	PROPN
ajssms-1649	252	28	publishing	publishing	NOUN
ajssms-1649	252	29	group	group	NOUN
ajssms-1649	252	30	the	the	DET
ajssms-1649	252	31	ardl	ardl	NOUN
ajssms-1649	252	32	results	result	VERB
ajssms-1649	252	33	in	in	ADP
ajssms-1649	252	34	table	table	NOUN
ajssms-1649	252	35	4	4	NUM
ajssms-1649	252	36	above	above	ADP
ajssms-1649	252	37	captured	capture	VERB
ajssms-1649	252	38	model	model	NOUN
ajssms-1649	252	39	1	1	NUM
ajssms-1649	252	40	of	of	ADP
ajssms-1649	252	41	this	this	DET
ajssms-1649	252	42	study	study	NOUN
ajssms-1649	252	43	.	.	PUNCT
ajssms-1649	253	1	both	both	CCONJ
ajssms-1649	253	2	the	the	DET
ajssms-1649	253	3	global	global	ADJ
ajssms-1649	253	4	statistic	statistic	NOUN
ajssms-1649	253	5	and	and	CCONJ
ajssms-1649	253	6	the	the	DET
ajssms-1649	253	7	diagnostic	diagnostic	ADJ
ajssms-1649	253	8	test	test	NOUN
ajssms-1649	253	9	indicated	indicate	VERB
ajssms-1649	253	10	that	that	SCONJ
ajssms-1649	253	11	the	the	DET
ajssms-1649	253	12	utility	utility	NOUN
ajssms-1649	253	13	,	,	PUNCT
ajssms-1649	253	14	forecasting	forecasting	NOUN
ajssms-1649	253	15	and	and	CCONJ
ajssms-1649	253	16	predictive	predictive	ADJ
ajssms-1649	253	17	power	power	NOUN
ajssms-1649	253	18	of	of	ADP
ajssms-1649	253	19	the	the	DET
ajssms-1649	253	20	model	model	NOUN
ajssms-1649	253	21	as	as	SCONJ
ajssms-1649	253	22	specified	specify	VERB
ajssms-1649	253	23	was	be	AUX
ajssms-1649	253	24	very	very	ADV
ajssms-1649	253	25	high	high	ADJ
ajssms-1649	253	26	.	.	PUNCT
ajssms-1649	254	1	we	we	PRON
ajssms-1649	254	2	can	can	AUX
ajssms-1649	254	3	thus	thus	ADV
ajssms-1649	254	4	rely	rely	VERB
ajssms-1649	254	5	on	on	ADP
ajssms-1649	254	6	the	the	DET
ajssms-1649	254	7	relative	relative	ADJ
ajssms-1649	254	8	results	result	NOUN
ajssms-1649	254	9	to	to	PART
ajssms-1649	254	10	make	make	VERB
ajssms-1649	254	11	inferences	inference	NOUN
ajssms-1649	254	12	on	on	ADP
ajssms-1649	254	13	the	the	DET
ajssms-1649	254	14	relationship	relationship	NOUN
ajssms-1649	254	15	between	between	ADP
ajssms-1649	254	16	the	the	DET
ajssms-1649	254	17	variables	variable	NOUN
ajssms-1649	254	18	under	under	ADP
ajssms-1649	254	19	study	study	NOUN
ajssms-1649	254	20	.	.	PUNCT
ajssms-1649	255	1	a	a	DET
ajssms-1649	255	2	cursory	cursory	NOUN
ajssms-1649	255	3	look	look	NOUN
ajssms-1649	255	4	at	at	ADP
ajssms-1649	255	5	table	table	NOUN
ajssms-1649	255	6	4	4	NUM
ajssms-1649	255	7	above	above	ADV
ajssms-1649	255	8	showed	show	VERB
ajssms-1649	255	9	that	that	SCONJ
ajssms-1649	255	10	basel	basel	PROPN
ajssms-1649	255	11	i	i	PROPN
ajssms-1649	255	12	capital	capital	NOUN
ajssms-1649	255	13	(	(	PUNCT
ajssms-1649	255	14	basi	basi	NOUN
ajssms-1649	255	15	)	)	PUNCT
ajssms-1649	255	16	is	be	AUX
ajssms-1649	255	17	positively	positively	ADV
ajssms-1649	255	18	related	relate	VERB
ajssms-1649	255	19	to	to	ADP
ajssms-1649	255	20	growth	growth	NOUN
ajssms-1649	255	21	in	in	ADP
ajssms-1649	255	22	credit	credit	NOUN
ajssms-1649	255	23	to	to	ADP
ajssms-1649	255	24	the	the	DET
ajssms-1649	255	25	private	private	ADJ
ajssms-1649	255	26	sector	sector	NOUN
ajssms-1649	255	27	(	(	PUNCT
ajssms-1649	255	28	cps	cps	PROPN
ajssms-1649	255	29	)	)	PUNCT
ajssms-1649	255	30	at	at	ADP
ajssms-1649	255	31	a	a	DET
ajssms-1649	255	32	coefficient	coefficient	NOUN
ajssms-1649	255	33	of	of	ADP
ajssms-1649	255	34	0.1043	0.1043	NUM
ajssms-1649	255	35	but	but	CCONJ
ajssms-1649	255	36	statistically	statistically	ADV
ajssms-1649	255	37	insignificant	insignificant	ADJ
ajssms-1649	255	38	at	at	ADP
ajssms-1649	255	39	5	5	NUM
ajssms-1649	255	40	%	%	NOUN
ajssms-1649	255	41	level	level	NOUN
ajssms-1649	255	42	of	of	ADP
ajssms-1649	255	43	significance	significance	NOUN
ajssms-1649	255	44	at	at	ADP
ajssms-1649	255	45	a	a	DET
ajssms-1649	255	46	probability	probability	NOUN
ajssms-1649	255	47	of	of	ADP
ajssms-1649	255	48	0.9454	0.9454	NUM
ajssms-1649	255	49	.	.	PUNCT
ajssms-1649	256	1	this	this	PRON
ajssms-1649	256	2	means	mean	VERB
ajssms-1649	256	3	that	that	SCONJ
ajssms-1649	256	4	1.1	1.1	NUM
ajssms-1649	256	5	increments	increment	NOUN
ajssms-1649	256	6	in	in	ADP
ajssms-1649	256	7	the	the	DET
ajssms-1649	256	8	provision	provision	NOUN
ajssms-1649	256	9	of	of	ADP
ajssms-1649	256	10	basel	basel	PROPN
ajssms-1649	256	11	i	i	PROPN
ajssms-1649	256	12	capital	capital	NOUN
ajssms-1649	256	13	will	will	AUX
ajssms-1649	256	14	lead	lead	VERB
ajssms-1649	256	15	to	to	ADP
ajssms-1649	256	16	12.1043	12.1043	NUM
ajssms-1649	256	17	increases	increase	NOUN
ajssms-1649	256	18	in	in	ADP
ajssms-1649	256	19	cps	cps	PROPN
ajssms-1649	256	20	.	.	PUNCT
ajssms-1649	257	1	on	on	ADP
ajssms-1649	257	2	the	the	DET
ajssms-1649	257	3	other	other	ADJ
ajssms-1649	257	4	hand	hand	NOUN
ajssms-1649	257	5	,	,	PUNCT
ajssms-1649	257	6	basel	basel	PROPN
ajssms-1649	257	7	ii	ii	PROPN
ajssms-1649	257	8	capital	capital	PROPN
ajssms-1649	257	9	(	(	PUNCT
ajssms-1649	257	10	basii	basii	ADJ
ajssms-1649	257	11	)	)	PUNCT
ajssms-1649	257	12	related	relate	VERB
ajssms-1649	257	13	positively	positively	ADV
ajssms-1649	257	14	with	with	ADP
ajssms-1649	257	15	the	the	DET
ajssms-1649	257	16	growth	growth	NOUN
ajssms-1649	257	17	in	in	ADP
ajssms-1649	257	18	credit	credit	NOUN
ajssms-1649	257	19	to	to	ADP
ajssms-1649	257	20	the	the	DET
ajssms-1649	257	21	private	private	ADJ
ajssms-1649	257	22	sector	sector	NOUN
ajssms-1649	257	23	though	though	ADV
ajssms-1649	257	24	not	not	PART
ajssms-1649	257	25	significant	significant	ADJ
ajssms-1649	257	26	in	in	ADP
ajssms-1649	257	27	the	the	DET
ajssms-1649	257	28	current	current	ADJ
ajssms-1649	257	29	period	period	NOUN
ajssms-1649	257	30	at	at	ADP
ajssms-1649	257	31	5	5	NUM
ajssms-1649	257	32	%	%	NOUN
ajssms-1649	257	33	level	level	NOUN
ajssms-1649	257	34	.	.	PUNCT
ajssms-1649	258	1	this	this	PRON
ajssms-1649	258	2	is	be	AUX
ajssms-1649	258	3	demonstrated	demonstrate	VERB
ajssms-1649	258	4	with	with	ADP
ajssms-1649	258	5	the	the	DET
ajssms-1649	258	6	coefficient	coefficient	NOUN
ajssms-1649	258	7	of	of	ADP
ajssms-1649	258	8	3.5482	3.5482	NUM
ajssms-1649	258	9	at	at	ADP
ajssms-1649	258	10	a	a	DET
ajssms-1649	258	11	probability	probability	NOUN
ajssms-1649	258	12	of	of	ADP
ajssms-1649	258	13	0.0080	0.0080	NUM
ajssms-1649	258	14	.	.	PUNCT
ajssms-1649	259	1	though	though	SCONJ
ajssms-1649	259	2	this	this	PRON
ajssms-1649	259	3	is	be	AUX
ajssms-1649	259	4	significant	significant	ADJ
ajssms-1649	259	5	at	at	ADP
ajssms-1649	259	6	10	10	NUM
ajssms-1649	259	7	%	%	NOUN
ajssms-1649	259	8	,	,	PUNCT
ajssms-1649	259	9	but	but	CCONJ
ajssms-1649	259	10	not	not	PART
ajssms-1649	259	11	accepted	accept	VERB
ajssms-1649	259	12	as	as	ADP
ajssms-1649	259	13	our	our	PRON
ajssms-1649	259	14	significance	significance	NOUN
ajssms-1649	259	15	level	level	NOUN
ajssms-1649	259	16	.	.	PUNCT
ajssms-1649	260	1	however	however	ADV
ajssms-1649	260	2	,	,	PUNCT
ajssms-1649	260	3	it	it	PRON
ajssms-1649	260	4	turned	turn	VERB
ajssms-1649	260	5	negative	negative	ADJ
ajssms-1649	260	6	and	and	CCONJ
ajssms-1649	260	7	statistically	statistically	ADV
ajssms-1649	260	8	significant	significant	ADJ
ajssms-1649	260	9	at	at	ADP
ajssms-1649	260	10	5	5	NUM
ajssms-1649	260	11	%	%	NOUN
ajssms-1649	260	12	with	with	ADP
ajssms-1649	260	13	a	a	DET
ajssms-1649	260	14	coefficient	coefficient	NOUN
ajssms-1649	260	15	of	of	ADP
ajssms-1649	260	16	-6.2908	-6.2908	NOUN
ajssms-1649	260	17	and	and	CCONJ
ajssms-1649	260	18	probability	probability	NOUN
ajssms-1649	260	19	of	of	ADP
ajssms-1649	260	20	0.0076	0.0076	NUM
ajssms-1649	260	21	when	when	SCONJ
ajssms-1649	260	22	lagged	lag	VERB
ajssms-1649	260	23	in	in	ADP
ajssms-1649	260	24	the	the	DET
ajssms-1649	260	25	second	second	ADJ
ajssms-1649	260	26	period	period	NOUN
ajssms-1649	260	27	.	.	PUNCT
ajssms-1649	261	1	also	also	ADV
ajssms-1649	261	2	basel	basel	PROPN
ajssms-1649	261	3	iii	iii	PROPN
ajssms-1649	261	4	capital	capital	PROPN
ajssms-1649	261	5	(	(	PUNCT
ajssms-1649	261	6	basiii	basiii	PROPN
ajssms-1649	261	7	)	)	PUNCT
ajssms-1649	261	8	is	be	AUX
ajssms-1649	261	9	statistically	statistically	ADV
ajssms-1649	261	10	significant	significant	ADJ
ajssms-1649	261	11	at	at	ADP
ajssms-1649	261	12	5	5	NUM
ajssms-1649	261	13	%	%	NOUN
ajssms-1649	261	14	level	level	NOUN
ajssms-1649	261	15	but	but	CCONJ
ajssms-1649	261	16	with	with	ADP
ajssms-1649	261	17	a	a	DET
ajssms-1649	261	18	negative	negative	ADJ
ajssms-1649	261	19	probability	probability	NOUN
ajssms-1649	261	20	and	and	CCONJ
ajssms-1649	261	21	coefficient	coefficient	NOUN
ajssms-1649	261	22	of	of	ADP
ajssms-1649	261	23	(	(	PUNCT
ajssms-1649	261	24	-0.9850	-0.9850	NOUN
ajssms-1649	261	25	and	and	CCONJ
ajssms-1649	261	26	0.0144	0.0144	NUM
ajssms-1649	261	27	)	)	PUNCT
ajssms-1649	261	28	for	for	ADP
ajssms-1649	261	29	the	the	DET
ajssms-1649	261	30	current	current	ADJ
ajssms-1649	261	31	period	period	NOUN
ajssms-1649	261	32	,	,	PUNCT
ajssms-1649	261	33	(	(	PUNCT
ajssms-1649	261	34	-0.7246	-0.7246	X
ajssms-1649	261	35	and	and	CCONJ
ajssms-1649	261	36	0.0401	0.0401	NUM
ajssms-1649	261	37	)	)	PUNCT
ajssms-1649	261	38	for	for	ADP
ajssms-1649	261	39	the	the	DET
ajssms-1649	261	40	third	third	ADJ
ajssms-1649	261	41	period	period	NOUN
ajssms-1649	261	42	and	and	CCONJ
ajssms-1649	261	43	-1.2171	-1.2171	NOUN
ajssms-1649	261	44	and	and	CCONJ
ajssms-1649	261	45	0.0021	0.0021	NUM
ajssms-1649	261	46	for	for	ADP
ajssms-1649	261	47	the	the	DET
ajssms-1649	261	48	fourth	fourth	ADJ
ajssms-1649	261	49	period	period	NOUN
ajssms-1649	261	50	respectively	respectively	ADV
ajssms-1649	261	51	when	when	SCONJ
ajssms-1649	261	52	lagged	lag	VERB
ajssms-1649	261	53	.	.	PUNCT
ajssms-1649	262	1	in	in	ADP
ajssms-1649	262	2	addition	addition	NOUN
ajssms-1649	262	3	,	,	PUNCT
ajssms-1649	262	4	the	the	DET
ajssms-1649	262	5	coefficient	coefficient	NOUN
ajssms-1649	262	6	of	of	ADP
ajssms-1649	262	7	determination	determination	NOUN
ajssms-1649	262	8	(	(	PUNCT
ajssms-1649	262	9	r2	r2	PROPN
ajssms-1649	262	10	)	)	PUNCT
ajssms-1649	262	11	of	of	ADP
ajssms-1649	262	12	0.89	0.89	NUM
ajssms-1649	262	13	in	in	ADP
ajssms-1649	262	14	table	table	NOUN
ajssms-1649	262	15	4	4	NUM
ajssms-1649	262	16	shows	show	VERB
ajssms-1649	262	17	that	that	SCONJ
ajssms-1649	262	18	89	89	NUM
ajssms-1649	262	19	percent	percent	NOUN
ajssms-1649	262	20	of	of	ADP
ajssms-1649	262	21	variation	variation	NOUN
ajssms-1649	262	22	in	in	ADP
ajssms-1649	262	23	growth	growth	NOUN
ajssms-1649	262	24	of	of	ADP
ajssms-1649	262	25	credit	credit	NOUN
ajssms-1649	262	26	to	to	ADP
ajssms-1649	262	27	the	the	DET
ajssms-1649	262	28	private	private	ADJ
ajssms-1649	262	29	sector	sector	NOUN
ajssms-1649	262	30	is	be	AUX
ajssms-1649	262	31	explained	explain	VERB
ajssms-1649	262	32	by	by	ADP
ajssms-1649	262	33	changes	change	NOUN
ajssms-1649	262	34	in	in	ADP
ajssms-1649	262	35	basel	basel	PROPN
ajssms-1649	262	36	capital	capital	NOUN
ajssms-1649	262	37	.	.	PUNCT
ajssms-1649	263	1	this	this	DET
ajssms-1649	263	2	relationship	relationship	NOUN
ajssms-1649	263	3	is	be	AUX
ajssms-1649	263	4	significant	significant	ADJ
ajssms-1649	263	5	at	at	ADP
ajssms-1649	263	6	the	the	DET
ajssms-1649	263	7	5	5	NUM
ajssms-1649	263	8	%	%	NOUN
ajssms-1649	263	9	level	level	NOUN
ajssms-1649	263	10	since	since	SCONJ
ajssms-1649	263	11	the	the	DET
ajssms-1649	263	12	f	f	NOUN
ajssms-1649	263	13	-	-	PUNCT
ajssms-1649	263	14	statistic	statistic	NOUN
ajssms-1649	263	15	of	of	ADP
ajssms-1649	263	16	6.1237	6.1237	NUM
ajssms-1649	263	17	falls	fall	VERB
ajssms-1649	263	18	outside	outside	ADP
ajssms-1649	263	19	the	the	DET
ajssms-1649	263	20	critical	critical	ADJ
ajssms-1649	263	21	region	region	NOUN
ajssms-1649	263	22	of	of	ADP
ajssms-1649	263	23	hence	hence	ADV
ajssms-1649	263	24	we	we	PRON
ajssms-1649	263	25	reject	reject	VERB
ajssms-1649	263	26	the	the	DET
ajssms-1649	263	27	ho1	ho1	NOUN
ajssms-1649	263	28	,	,	PUNCT
ajssms-1649	263	29	and	and	CCONJ
ajssms-1649	263	30	accept	accept	VERB
ajssms-1649	263	31	the	the	DET
ajssms-1649	263	32	alternate	alternate	NOUN
ajssms-1649	263	33	.	.	PUNCT
ajssms-1649	264	1	table-5	table-5	PROPN
ajssms-1649	264	2	.	.	PUNCT
ajssms-1649	265	1	pairwise	pairwise	PROPN
ajssms-1649	265	2	granger	granger	PROPN
ajssms-1649	265	3	causality	causality	PROPN
ajssms-1649	265	4	tests	test	VERB
ajssms-1649	265	5	for	for	ADP
ajssms-1649	265	6	basel	basel	PROPN
ajssms-1649	265	7	capital	capital	PROPN
ajssms-1649	265	8	and	and	CCONJ
ajssms-1649	265	9	cps	cps	PROPN
ajssms-1649	265	10	.	.	PROPN
ajssms-1649	266	1	null	null	ADJ
ajssms-1649	266	2	hypothesis	hypothesis	NOUN
ajssms-1649	266	3	obs	obs	PROPN
ajssms-1649	266	4	f	f	PROPN
ajssms-1649	266	5	-	-	PUNCT
ajssms-1649	266	6	statistic	statistic	ADJ
ajssms-1649	266	7	prob	prob	NOUN
ajssms-1649	266	8	.	.	PUNCT
ajssms-1649	267	1	basi	basi	PROPN
ajssms-1649	267	2	does	do	AUX
ajssms-1649	267	3	not	not	PART
ajssms-1649	267	4	granger	granger	AUX
ajssms-1649	267	5	cause	cause	VERB
ajssms-1649	267	6	cps	cps	PROPN
ajssms-1649	267	7	29	29	NUM
ajssms-1649	267	8	0.28778	0.28778	NUM
ajssms-1649	267	9	0.7525	0.7525	NUM
ajssms-1649	267	10	cps	cp	NOUN
ajssms-1649	267	11	does	do	AUX
ajssms-1649	267	12	not	not	PART
ajssms-1649	267	13	granger	granger	AUX
ajssms-1649	267	14	cause	cause	VERB
ajssms-1649	267	15	basi	basi	NOUN
ajssms-1649	267	16	0.43405	0.43405	NUM
ajssms-1649	267	17	0.6529	0.6529	NUM
ajssms-1649	267	18	basii	basii	NOUN
ajssms-1649	267	19	does	do	AUX
ajssms-1649	267	20	not	not	PART
ajssms-1649	267	21	granger	granger	AUX
ajssms-1649	267	22	cause	cause	VERB
ajssms-1649	267	23	cps	cps	PROPN
ajssms-1649	267	24	29	29	NUM
ajssms-1649	267	25	1.06422	1.06422	NUM
ajssms-1649	267	26	0.0007	0.0007	NUM
ajssms-1649	267	27	cps	cp	NOUN
ajssms-1649	267	28	does	do	AUX
ajssms-1649	267	29	not	not	PART
ajssms-1649	267	30	granger	granger	AUX
ajssms-1649	267	31	cause	cause	VERB
ajssms-1649	267	32	basii	basii	ADJ
ajssms-1649	267	33	0.21290	0.21290	NUM
ajssms-1649	267	34	0.8097	0.8097	NUM
ajssms-1649	267	35	basiii	basiii	NOUN
ajssms-1649	267	36	does	do	AUX
ajssms-1649	267	37	not	not	PART
ajssms-1649	267	38	granger	granger	AUX
ajssms-1649	267	39	cause	cause	VERB
ajssms-1649	267	40	cps	cps	PROPN
ajssms-1649	267	41	29	29	NUM
ajssms-1649	267	42	0.10279	0.10279	NUM
ajssms-1649	267	43	0.9027	0.9027	NUM
ajssms-1649	267	44	cps	cp	NOUN
ajssms-1649	267	45	does	do	AUX
ajssms-1649	267	46	not	not	PART
ajssms-1649	267	47	granger	granger	NOUN
ajssms-1649	267	48	cause	cause	VERB
ajssms-1649	267	49	basiii	basiii	NOUN
ajssms-1649	267	50	0.12265	0.12265	NUM
ajssms-1649	267	51	0.8851	0.8851	NUM
ajssms-1649	267	52	basii	basii	NOUN
ajssms-1649	267	53	does	do	AUX
ajssms-1649	267	54	not	not	PART
ajssms-1649	267	55	granger	granger	AUX
ajssms-1649	267	56	cause	cause	VERB
ajssms-1649	267	57	basi	basi	NOUN
ajssms-1649	267	58	29	29	NUM
ajssms-1649	267	59	0.57833	0.57833	NUM
ajssms-1649	267	60	0.5685	0.5685	NUM
ajssms-1649	267	61	basi	basi	NOUN
ajssms-1649	267	62	does	do	AUX
ajssms-1649	267	63	not	not	PART
ajssms-1649	267	64	granger	granger	AUX
ajssms-1649	267	65	cause	cause	VERB
ajssms-1649	267	66	basii	basii	ADJ
ajssms-1649	267	67	0.93912	0.93912	NUM
ajssms-1649	267	68	0.4049	0.4049	NUM
ajssms-1649	267	69	basiii	basiii	NOUN
ajssms-1649	267	70	does	do	AUX
ajssms-1649	267	71	not	not	PART
ajssms-1649	267	72	granger	granger	AUX
ajssms-1649	267	73	cause	cause	VERB
ajssms-1649	267	74	basi	basi	PROPN
ajssms-1649	267	75	29	29	NUM
ajssms-1649	267	76	0.08027	0.08027	NUM
ajssms-1649	267	77	0.9231	0.9231	NUM
ajssms-1649	267	78	basi	basi	NOUN
ajssms-1649	267	79	does	do	AUX
ajssms-1649	267	80	not	not	PART
ajssms-1649	267	81	granger	granger	NOUN
ajssms-1649	267	82	cause	cause	VERB
ajssms-1649	267	83	basiii	basiii	VERB
ajssms-1649	267	84	0.70820	0.70820	NUM
ajssms-1649	267	85	0.5025	0.5025	NUM
ajssms-1649	267	86	basiii	basiii	NOUN
ajssms-1649	267	87	does	do	AUX
ajssms-1649	267	88	not	not	PART
ajssms-1649	267	89	granger	granger	AUX
ajssms-1649	267	90	cause	cause	VERB
ajssms-1649	267	91	basii	basii	ADJ
ajssms-1649	267	92	29	29	NUM
ajssms-1649	267	93	0.86320	0.86320	NUM
ajssms-1649	267	94	0.4345	0.4345	NUM
ajssms-1649	267	95	basii	basii	NOUN
ajssms-1649	267	96	does	do	AUX
ajssms-1649	267	97	not	not	PART
ajssms-1649	267	98	granger	granger	NOUN
ajssms-1649	267	99	cause	cause	VERB
ajssms-1649	267	100	basiii	basiii	VERB
ajssms-1649	267	101	1.05049	1.05049	NUM
ajssms-1649	267	102	0.3653	0.3653	NUM
ajssms-1649	267	103	the	the	DET
ajssms-1649	267	104	results	result	NOUN
ajssms-1649	267	105	in	in	ADP
ajssms-1649	267	106	table	table	NOUN
ajssms-1649	267	107	5	5	NUM
ajssms-1649	267	108	shows	show	VERB
ajssms-1649	267	109	that	that	SCONJ
ajssms-1649	267	110	a	a	DET
ajssms-1649	267	111	f	f	X
ajssms-1649	267	112	-	-	PUNCT
ajssms-1649	267	113	statistics	statistic	NOUN
ajssms-1649	267	114	of	of	ADP
ajssms-1649	267	115	0.2878	0.2878	NUM
ajssms-1649	267	116	and	and	CCONJ
ajssms-1649	267	117	0.1028	0.1028	NUM
ajssms-1649	267	118	at	at	ADP
ajssms-1649	267	119	5	5	NUM
ajssms-1649	267	120	%	%	NOUN
ajssms-1649	267	121	level	level	NOUN
ajssms-1649	267	122	of	of	ADP
ajssms-1649	267	123	significance	significance	NOUN
ajssms-1649	267	124	,	,	PUNCT
ajssms-1649	267	125	for	for	ADP
ajssms-1649	267	126	basel	basel	PROPN
ajssms-1649	267	127	i	i	PROPN
ajssms-1649	267	128	(	(	PUNCT
ajssms-1649	267	129	basi	basi	PROPN
ajssms-1649	267	130	)	)	PUNCT
ajssms-1649	267	131	and	and	CCONJ
ajssms-1649	267	132	(	(	PUNCT
ajssms-1649	267	133	0.2878	0.2878	NUM
ajssms-1649	267	134	and	and	CCONJ
ajssms-1649	267	135	0.1028	0.1028	NUM
ajssms-1649	267	136	)	)	PUNCT
ajssms-1649	267	137	for	for	ADP
ajssms-1649	267	138	basel	basel	PROPN
ajssms-1649	267	139	iii	iii	PROPN
ajssms-1649	267	140	(	(	PUNCT
ajssms-1649	267	141	basiii	basiii	NOUN
ajssms-1649	267	142	)	)	PUNCT
ajssms-1649	267	143	capital	capital	NOUN
ajssms-1649	267	144	.	.	PUNCT
ajssms-1649	268	1	similarly	similarly	ADV
ajssms-1649	268	2	they	they	PRON
ajssms-1649	268	3	recorded	record	VERB
ajssms-1649	268	4	a	a	DET
ajssms-1649	268	5	probability	probability	NOUN
ajssms-1649	268	6	of	of	ADP
ajssms-1649	268	7	0.7525	0.7525	NUM
ajssms-1649	268	8	and	and	CCONJ
ajssms-1649	268	9	0.9027	0.9027	NUM
ajssms-1649	268	10	for	for	ADP
ajssms-1649	268	11	both	both	DET
ajssms-1649	268	12	basel	basel	PROPN
ajssms-1649	268	13	i	i	PROPN
ajssms-1649	268	14	and	and	CCONJ
ajssms-1649	268	15	iii	iii	NOUN
ajssms-1649	268	16	.	.	PUNCT
ajssms-1649	269	1	this	this	PRON
ajssms-1649	269	2	is	be	AUX
ajssms-1649	269	3	indication	indication	NOUN
ajssms-1649	269	4	that	that	SCONJ
ajssms-1649	269	5	basel	basel	PROPN
ajssms-1649	269	6	i	i	PROPN
ajssms-1649	269	7	and	and	CCONJ
ajssms-1649	269	8	basel	basel	PROPN
ajssms-1649	269	9	iii	iii	PROPN
ajssms-1649	269	10	capital	capital	NOUN
ajssms-1649	269	11	does	do	AUX
ajssms-1649	269	12	not	not	PART
ajssms-1649	269	13	cause	cause	VERB
ajssms-1649	269	14	growth	growth	NOUN
ajssms-1649	269	15	in	in	ADP
ajssms-1649	269	16	credit	credit	NOUN
ajssms-1649	269	17	to	to	ADP
ajssms-1649	269	18	the	the	DET
ajssms-1649	269	19	private	private	ADJ
ajssms-1649	269	20	sector	sector	NOUN
ajssms-1649	269	21	(	(	PUNCT
ajssms-1649	269	22	cps	cps	PROPN
ajssms-1649	269	23	)	)	PUNCT
ajssms-1649	269	24	as	as	SCONJ
ajssms-1649	269	25	there	there	PRON
ajssms-1649	269	26	probability	probability	NOUN
ajssms-1649	269	27	is	be	AUX
ajssms-1649	269	28	above	above	ADP
ajssms-1649	269	29	the	the	DET
ajssms-1649	269	30	stipulated	stipulate	VERB
ajssms-1649	269	31	5	5	NUM
ajssms-1649	269	32	%	%	NOUN
ajssms-1649	269	33	significance	significance	NOUN
ajssms-1649	269	34	level	level	NOUN
ajssms-1649	269	35	.	.	PUNCT
ajssms-1649	270	1	however	however	ADV
ajssms-1649	270	2	,	,	PUNCT
ajssms-1649	270	3	it	it	PRON
ajssms-1649	270	4	was	be	AUX
ajssms-1649	270	5	also	also	ADV
ajssms-1649	270	6	observed	observe	VERB
ajssms-1649	270	7	from	from	ADP
ajssms-1649	270	8	results	result	NOUN
ajssms-1649	270	9	that	that	SCONJ
ajssms-1649	270	10	causality	causality	NOUN
ajssms-1649	270	11	runs	run	VERB
ajssms-1649	270	12	unidirectional	unidirectional	ADJ
ajssms-1649	270	13	from	from	ADP
ajssms-1649	270	14	basel	basel	PROPN
ajssms-1649	270	15	ii	ii	PROPN
ajssms-1649	270	16	capital	capital	PROPN
ajssms-1649	270	17	(	(	PUNCT
ajssms-1649	270	18	basii	basii	ADJ
ajssms-1649	270	19	)	)	PUNCT
ajssms-1649	270	20	to	to	PART
ajssms-1649	270	21	growth	growth	VERB
ajssms-1649	270	22	in	in	ADP
ajssms-1649	270	23	credit	credit	NOUN
ajssms-1649	270	24	to	to	ADP
ajssms-1649	270	25	the	the	DET
ajssms-1649	270	26	private	private	ADJ
ajssms-1649	270	27	sector	sector	NOUN
ajssms-1649	270	28	as	as	SCONJ
ajssms-1649	270	29	shown	show	VERB
ajssms-1649	270	30	by	by	ADP
ajssms-1649	270	31	the	the	DET
ajssms-1649	270	32	f	f	NOUN
ajssms-1649	270	33	-	-	PUNCT
ajssms-1649	270	34	statistic	statistic	NOUN
ajssms-1649	270	35	and	and	CCONJ
ajssms-1649	270	36	probability	probability	NOUN
ajssms-1649	270	37	of	of	ADP
ajssms-1649	270	38	1.0642	1.0642	NUM
ajssms-1649	270	39	and	and	CCONJ
ajssms-1649	270	40	0.0007	0.0007	NUM
ajssms-1649	270	41	respectively	respectively	ADV
ajssms-1649	270	42	.	.	PUNCT
ajssms-1649	271	1	this	this	PRON
ajssms-1649	271	2	implied	imply	VERB
ajssms-1649	271	3	that	that	SCONJ
ajssms-1649	271	4	an	an	DET
ajssms-1649	271	5	enhancement	enhancement	NOUN
ajssms-1649	271	6	in	in	ADP
ajssms-1649	271	7	basel	basel	PROPN
ajssms-1649	271	8	ii	ii	PROPN
ajssms-1649	271	9	capital	capital	PROPN
ajssms-1649	271	10	(	(	PUNCT
ajssms-1649	271	11	basii	basii	ADJ
ajssms-1649	271	12	)	)	PUNCT
ajssms-1649	271	13	will	will	AUX
ajssms-1649	271	14	trigger	trigger	VERB
ajssms-1649	271	15	up	up	ADP
ajssms-1649	271	16	growth	growth	NOUN
ajssms-1649	271	17	in	in	ADP
ajssms-1649	271	18	credit	credit	NOUN
ajssms-1649	271	19	to	to	ADP
ajssms-1649	271	20	private	private	ADJ
ajssms-1649	271	21	sector	sector	NOUN
ajssms-1649	271	22	.	.	PUNCT
ajssms-1649	272	1	further	far	ADV
ajssms-1649	272	2	,	,	PUNCT
ajssms-1649	272	3	it	it	PRON
ajssms-1649	272	4	suggested	suggest	VERB
ajssms-1649	272	5	that	that	SCONJ
ajssms-1649	272	6	as	as	SCONJ
ajssms-1649	272	7	banks	bank	NOUN
ajssms-1649	272	8	continue	continue	VERB
ajssms-1649	272	9	to	to	PART
ajssms-1649	272	10	comply	comply	VERB
ajssms-1649	272	11	with	with	ADP
ajssms-1649	272	12	the	the	DET
ajssms-1649	272	13	provision	provision	NOUN
ajssms-1649	272	14	of	of	ADP
ajssms-1649	272	15	basel	basel	PROPN
ajssms-1649	272	16	ii	ii	PROPN
ajssms-1649	272	17	capital	capital	NOUN
ajssms-1649	272	18	,	,	PUNCT
ajssms-1649	272	19	growth	growth	NOUN
ajssms-1649	272	20	in	in	ADP
ajssms-1649	272	21	credit	credit	NOUN
ajssms-1649	272	22	to	to	ADP
ajssms-1649	272	23	the	the	DET
ajssms-1649	272	24	private	private	ADJ
ajssms-1649	272	25	sector	sector	NOUN
ajssms-1649	272	26	will	will	AUX
ajssms-1649	272	27	be	be	AUX
ajssms-1649	272	28	raised	raise	VERB
ajssms-1649	272	29	as	as	ADV
ajssms-1649	272	30	well	well	ADV
ajssms-1649	272	31	.	.	PUNCT
ajssms-1649	273	1	table-6	table-6	PRON
ajssms-1649	273	2	.	.	NOUN
ajssms-1649	273	3	autoregressive	autoregressive	ADJ
ajssms-1649	273	4	distributed	distribute	VERB
ajssms-1649	273	5	lag	lag	NOUN
ajssms-1649	273	6	results	result	NOUN
ajssms-1649	273	7	for	for	ADP
ajssms-1649	273	8	basel	basel	PROPN
ajssms-1649	273	9	capital	capital	NOUN
ajssms-1649	273	10	and	and	CCONJ
ajssms-1649	273	11	credit	credit	NOUN
ajssms-1649	273	12	to	to	ADP
ajssms-1649	273	13	smes	sme	NOUN
ajssms-1649	273	14	.	.	PUNCT
ajssms-1649	274	1	variable	variable	ADJ
ajssms-1649	274	2	coefficient	coefficient	NOUN
ajssms-1649	274	3	std	std	PROPN
ajssms-1649	274	4	.	.	NOUN
ajssms-1649	274	5	error	error	NOUN
ajssms-1649	274	6	t	t	NOUN
ajssms-1649	274	7	-	-	PUNCT
ajssms-1649	274	8	statistic	statistic	NOUN
ajssms-1649	274	9	prob	prob	NOUN
ajssms-1649	274	10	.	.	PUNCT
ajssms-1649	274	11	*	*	PUNCT
ajssms-1649	274	12	sme	sme	PROPN
ajssms-1649	274	13	0.943866	0.943866	NUM
ajssms-1649	274	14	0.168145	0.168145	NUM
ajssms-1649	275	1	5.613400	5.613400	NUM
ajssms-1649	275	2	0.0000	0.0000	NUM
ajssms-1649	275	3	basi	basi	NOUN
ajssms-1649	275	4	-4.604238	-4.604238	NOUN
ajssms-1649	275	5	1.572343	1.572343	NUM
ajssms-1649	275	6	-2.928266	-2.928266	NOUN
ajssms-1649	275	7	0.0076	0.0076	NUM
ajssms-1649	275	8	basi(-1	basi(-1	ADJ
ajssms-1649	275	9	)	)	PUNCT
ajssms-1649	275	10	3.358290	3.358290	NUM
ajssms-1649	275	11	1.605479	1.605479	NUM
ajssms-1649	275	12	2.091768	2.091768	NUM
ajssms-1649	275	13	0.0477	0.0477	NUM
ajssms-1649	275	14	basii	basii	VERB
ajssms-1649	275	15	2.321630	2.321630	NUM
ajssms-1649	275	16	1.728992	1.728992	NUM
ajssms-1649	275	17	1.342765	1.342765	NUM
ajssms-1649	275	18	0.0192	0.0192	NUM
ajssms-1649	275	19	basii(-1	basii(-1	NOUN
ajssms-1649	275	20	)	)	PUNCT
ajssms-1649	275	21	-3.440260	-3.440260	NOUN
ajssms-1649	275	22	1.627584	1.627584	NUM
ajssms-1649	275	23	-2.113722	-2.113722	NOUN
ajssms-1649	275	24	0.0456	0.0456	NUM
ajssms-1649	275	25	basiii	basiii	NOUN
ajssms-1649	275	26	-0.068078	-0.068078	VERB
ajssms-1649	275	27	0.206255	0.206255	NUM
ajssms-1649	275	28	-0.330067	-0.330067	NOUN
ajssms-1649	275	29	0.7443	0.7443	NUM
ajssms-1649	275	30	c	c	NOUN
ajssms-1649	275	31	19.31019	19.31019	NUM
ajssms-1649	275	32	9.335211	9.335211	NUM
ajssms-1649	275	33	2.068533	2.068533	NUM
ajssms-1649	275	34	0.0500	0.0500	NUM
ajssms-1649	275	35	r	r	NOUN
ajssms-1649	275	36	-	-	PUNCT
ajssms-1649	275	37	squared	square	VERB
ajssms-1649	275	38	0.682227	0.682227	NUM
ajssms-1649	275	39	mean	mean	NOUN
ajssms-1649	275	40	dependent	dependent	ADJ
ajssms-1649	275	41	var	var	NOUN
ajssms-1649	275	42	5.514000	5.514000	NUM
ajssms-1649	275	43	adjusted	adjusted	ADJ
ajssms-1649	275	44	r	r	NOUN
ajssms-1649	275	45	-	-	PUNCT
ajssms-1649	275	46	squared	square	VERB
ajssms-1649	275	47	0.599330	0.599330	NUM
ajssms-1649	275	48	s.d	s.d	PROPN
ajssms-1649	275	49	.	.	PUNCT
ajssms-1649	276	1	dependent	dependent	ADJ
ajssms-1649	276	2	var	var	NOUN
ajssms-1649	276	3	7.207350	7.207350	NUM
ajssms-1649	276	4	s.e	s.e	PROPN
ajssms-1649	276	5	.	.	PROPN
ajssms-1649	276	6	of	of	ADP
ajssms-1649	276	7	regression	regression	NOUN
ajssms-1649	276	8	4.562145	4.562145	NUM
ajssms-1649	276	9	akaike	akaike	ADJ
ajssms-1649	276	10	info	info	NOUN
ajssms-1649	276	11	criterion	criterion	NOUN
ajssms-1649	276	12	6.074426	6.074426	NUM
ajssms-1649	276	13	sum	sum	NOUN
ajssms-1649	276	14	squared	square	VERB
ajssms-1649	276	15	resid	resid	NOUN
ajssms-1649	276	16	478.7029	478.7029	NUM
ajssms-1649	276	17	schwarz	schwarz	NOUN
ajssms-1649	276	18	criterion	criterion	NOUN
ajssms-1649	276	19	6.401373	6.401373	NUM
ajssms-1649	276	20	log	log	NOUN
ajssms-1649	276	21	likelihood	likelihood	NOUN
ajssms-1649	276	22	-84.11640	-84.11640	PUNCT
ajssms-1649	276	23	hannan	hannan	PROPN
ajssms-1649	276	24	-	-	PUNCT
ajssms-1649	276	25	quinn	quinn	PROPN
ajssms-1649	276	26	criter	criter	NOUN
ajssms-1649	276	27	.	.	PUNCT
ajssms-1649	277	1	6.179019	6.179019	NUM
ajssms-1649	277	2	f	f	X
ajssms-1649	277	3	-	-	PUNCT
ajssms-1649	277	4	statistic	statistic	ADJ
ajssms-1649	277	5	8.229790	8.229790	NUM
ajssms-1649	277	6	durbin	durbin	ADJ
ajssms-1649	277	7	-	-	PUNCT
ajssms-1649	277	8	watson	watson	NOUN
ajssms-1649	277	9	stat	stat	NOUN
ajssms-1649	277	10	1.963761	1.963761	NUM
ajssms-1649	277	11	prob(f	prob(f	NOUN
ajssms-1649	277	12	-	-	PUNCT
ajssms-1649	277	13	statistic	statistic	NOUN
ajssms-1649	277	14	)	)	PUNCT
ajssms-1649	277	15	0.000080	0.000080	NUM
ajssms-1649	277	16	note	note	NOUN
ajssms-1649	277	17	:	:	PUNCT
ajssms-1649	277	18	*	*	PUNCT
ajssms-1649	277	19	p	p	NOUN
ajssms-1649	277	20	-	-	PUNCT
ajssms-1649	277	21	values	value	NOUN
ajssms-1649	277	22	and	and	CCONJ
ajssms-1649	277	23	any	any	DET
ajssms-1649	277	24	subsequent	subsequent	ADJ
ajssms-1649	277	25	tests	test	NOUN
ajssms-1649	277	26	do	do	AUX
ajssms-1649	277	27	not	not	PART
ajssms-1649	277	28	account	account	VERB
ajssms-1649	277	29	for	for	ADP
ajssms-1649	277	30	model	model	NOUN
ajssms-1649	277	31	selection	selection	NOUN
ajssms-1649	277	32	.	.	PUNCT
ajssms-1649	278	1	the	the	DET
ajssms-1649	278	2	ardl	ardl	NOUN
ajssms-1649	278	3	results	result	VERB
ajssms-1649	278	4	in	in	ADP
ajssms-1649	278	5	table	table	NOUN
ajssms-1649	278	6	6	6	NUM
ajssms-1649	278	7	above	above	ADV
ajssms-1649	278	8	,	,	PUNCT
ajssms-1649	278	9	the	the	DET
ajssms-1649	278	10	global	global	ADJ
ajssms-1649	278	11	statistics	statistic	NOUN
ajssms-1649	278	12	and	and	CCONJ
ajssms-1649	278	13	the	the	DET
ajssms-1649	278	14	diagnostic	diagnostic	ADJ
ajssms-1649	278	15	test	test	NOUN
ajssms-1649	278	16	(	(	PUNCT
ajssms-1649	278	17	dwt	dwt	NOUN
ajssms-1649	278	18	)	)	PUNCT
ajssms-1649	278	19	indicated	indicate	VERB
ajssms-1649	278	20	that	that	SCONJ
ajssms-1649	278	21	the	the	DET
ajssms-1649	278	22	utility	utility	NOUN
ajssms-1649	278	23	,	,	PUNCT
ajssms-1649	278	24	forecasting	forecasting	NOUN
ajssms-1649	278	25	and	and	CCONJ
ajssms-1649	278	26	predictive	predictive	ADJ
ajssms-1649	278	27	power	power	NOUN
ajssms-1649	278	28	of	of	ADP
ajssms-1649	278	29	the	the	DET
ajssms-1649	278	30	model	model	NOUN
ajssms-1649	278	31	as	as	SCONJ
ajssms-1649	278	32	specified	specify	VERB
ajssms-1649	278	33	was	be	AUX
ajssms-1649	278	34	at	at	ADP
ajssms-1649	278	35	0.68	0.68	NUM
ajssms-1649	278	36	percent	percent	NOUN
ajssms-1649	278	37	.	.	PUNCT
ajssms-1649	279	1	based	base	VERB
ajssms-1649	279	2	on	on	ADP
ajssms-1649	279	3	the	the	DET
ajssms-1649	279	4	ardl	ardl	NOUN
ajssms-1649	279	5	results	result	NOUN
ajssms-1649	279	6	,	,	PUNCT
ajssms-1649	279	7	we	we	PRON
ajssms-1649	279	8	can	can	AUX
ajssms-1649	279	9	rely	rely	VERB
ajssms-1649	279	10	on	on	ADP
ajssms-1649	279	11	the	the	DET
ajssms-1649	279	12	relative	relative	ADJ
ajssms-1649	279	13	and	and	CCONJ
ajssms-1649	279	14	global	global	ADJ
ajssms-1649	279	15	statistics	statistic	NOUN
ajssms-1649	279	16	results	result	NOUN
ajssms-1649	279	17	to	to	PART
ajssms-1649	279	18	make	make	VERB
ajssms-1649	279	19	inferences	inference	NOUN
ajssms-1649	279	20	on	on	ADP
ajssms-1649	279	21	the	the	DET
ajssms-1649	279	22	relationship	relationship	NOUN
ajssms-1649	279	23	between	between	ADP
ajssms-1649	279	24	the	the	DET
ajssms-1649	279	25	variables	variable	NOUN
ajssms-1649	279	26	under	under	ADP
ajssms-1649	279	27	study	study	NOUN
ajssms-1649	279	28	.	.	PUNCT
ajssms-1649	280	1	taking	take	VERB
ajssms-1649	280	2	a	a	DET
ajssms-1649	280	3	keen	keen	ADJ
ajssms-1649	280	4	look	look	NOUN
ajssms-1649	280	5	at	at	ADP
ajssms-1649	280	6	table	table	NOUN
ajssms-1649	280	7	6	6	NUM
ajssms-1649	280	8	it	it	PRON
ajssms-1649	280	9	shows	show	VERB
ajssms-1649	280	10	that	that	SCONJ
ajssms-1649	280	11	basel	basel	PROPN
ajssms-1649	280	12	i	i	PROPN
ajssms-1649	280	13	capital	capital	NOUN
ajssms-1649	280	14	(	(	PUNCT
ajssms-1649	280	15	basi	basi	NOUN
ajssms-1649	280	16	)	)	PUNCT
ajssms-1649	280	17	is	be	AUX
ajssms-1649	280	18	negatively	negatively	ADV
ajssms-1649	280	19	related	relate	VERB
ajssms-1649	280	20	and	and	CCONJ
ajssms-1649	280	21	statistically	statistically	ADV
ajssms-1649	280	22	significant	significant	ADJ
ajssms-1649	280	23	to	to	ADP
ajssms-1649	280	24	growth	growth	VERB
ajssms-1649	280	25	in	in	ADP
ajssms-1649	280	26	credits	credit	NOUN
ajssms-1649	280	27	to	to	ADP
ajssms-1649	280	28	smes	sme	NOUN
ajssms-1649	280	29	at	at	ADP
ajssms-1649	280	30	a	a	DET
ajssms-1649	280	31	coefficient	coefficient	NOUN
ajssms-1649	280	32	of	of	ADP
ajssms-1649	280	33	4.6042	4.6042	NUM
ajssms-1649	280	34	and	and	CCONJ
ajssms-1649	280	35	probability	probability	NOUN
ajssms-1649	280	36	of	of	ADP
ajssms-1649	280	37	0.0076	0.0076	NUM
ajssms-1649	280	38	.	.	PUNCT
ajssms-1649	281	1	furthermore	furthermore	ADV
ajssms-1649	281	2	,	,	PUNCT
ajssms-1649	281	3	basel	basel	PROPN
ajssms-1649	281	4	i	i	PRON
ajssms-1649	281	5	lagged	lag	VERB
ajssms-1649	281	6	in	in	ADP
ajssms-1649	281	7	period	period	NOUN
ajssms-1649	281	8	1	1	NUM
ajssms-1649	281	9	with	with	ADP
ajssms-1649	281	10	a	a	DET
ajssms-1649	281	11	coefficient	coefficient	NOUN
ajssms-1649	281	12	and	and	CCONJ
ajssms-1649	281	13	probability	probability	NOUN
ajssms-1649	281	14	of	of	ADP
ajssms-1649	281	15	3.3583	3.3583	NUM
ajssms-1649	281	16	and	and	CCONJ
ajssms-1649	281	17	0.0477	0.0477	NUM
ajssms-1649	281	18	is	be	AUX
ajssms-1649	281	19	an	an	DET
ajssms-1649	281	20	indication	indication	NOUN
ajssms-1649	281	21	that	that	SCONJ
ajssms-1649	281	22	there	there	PRON
ajssms-1649	281	23	is	be	VERB
ajssms-1649	281	24	a	a	DET
ajssms-1649	281	25	positive	positive	ADJ
ajssms-1649	281	26	and	and	CCONJ
ajssms-1649	281	27	significant	significant	ADJ
ajssms-1649	281	28	relationship	relationship	NOUN
ajssms-1649	281	29	between	between	ADP
ajssms-1649	281	30	basel	basel	PROPN
ajssms-1649	281	31	i	i	PROPN
ajssms-1649	281	32	capital	capital	NOUN
ajssms-1649	281	33	and	and	CCONJ
ajssms-1649	281	34	growth	growth	NOUN
ajssms-1649	281	35	in	in	ADP
ajssms-1649	281	36	credit	credit	NOUN
ajssms-1649	281	37	to	to	ADP
ajssms-1649	281	38	smes	sme	NOUN
ajssms-1649	281	39	.	.	PUNCT
ajssms-1649	282	1	on	on	ADP
ajssms-1649	282	2	the	the	DET
ajssms-1649	282	3	other	other	ADJ
ajssms-1649	282	4	hand	hand	NOUN
ajssms-1649	282	5	,	,	PUNCT
ajssms-1649	282	6	basel	basel	PROPN
ajssms-1649	282	7	ii	ii	PROPN
ajssms-1649	282	8	capital	capital	PROPN
ajssms-1649	282	9	(	(	PUNCT
ajssms-1649	282	10	basii	basii	ADJ
ajssms-1649	282	11	)	)	PUNCT
ajssms-1649	282	12	relates	relate	VERB
ajssms-1649	282	13	positively	positively	ADV
ajssms-1649	282	14	but	but	CCONJ
ajssms-1649	282	15	statistically	statistically	ADV
ajssms-1649	282	16	significant	significant	ADJ
ajssms-1649	282	17	at	at	ADP
ajssms-1649	282	18	5	5	NUM
ajssms-1649	282	19	%	%	NOUN
ajssms-1649	282	20	level	level	NOUN
ajssms-1649	282	21	.	.	PUNCT
ajssms-1649	283	1	this	this	PRON
ajssms-1649	283	2	is	be	AUX
ajssms-1649	283	3	confirmed	confirm	VERB
ajssms-1649	283	4	by	by	ADP
ajssms-1649	283	5	the	the	DET
ajssms-1649	283	6	basel	basel	PROPN
ajssms-1649	283	7	ii	ii	PROPN
ajssms-1649	283	8	coefficient	coefficient	NOUN
ajssms-1649	283	9	of	of	ADP
ajssms-1649	283	10	2.3216	2.3216	NUM
ajssms-1649	283	11	and	and	CCONJ
ajssms-1649	283	12	probability	probability	NOUN
ajssms-1649	283	13	of	of	ADP
ajssms-1649	283	14	0.0192	0.0192	NUM
ajssms-1649	283	15	.	.	PUNCT
ajssms-1649	284	1	however	however	ADV
ajssms-1649	284	2	,	,	PUNCT
ajssms-1649	284	3	basel	basel	PROPN
ajssms-1649	284	4	ii	ii	PROPN
ajssms-1649	284	5	capital	capital	PROPN
ajssms-1649	284	6	lagged	lag	VERB
ajssms-1649	284	7	in	in	ADP
ajssms-1649	284	8	period	period	NOUN
ajssms-1649	284	9	1	1	NUM
ajssms-1649	284	10	turned	turn	VERB
ajssms-1649	284	11	a	a	DET
ajssms-1649	284	12	negative	negative	ADJ
ajssms-1649	284	13	relationship	relationship	NOUN
ajssms-1649	284	14	with	with	ADP
ajssms-1649	284	15	a	a	DET
ajssms-1649	284	16	coefficient	coefficient	NOUN
ajssms-1649	284	17	of	of	ADP
ajssms-1649	284	18	-3.4402	-3.4402	NOUN
ajssms-1649	284	19	but	but	CCONJ
ajssms-1649	284	20	significant	significant	ADJ
ajssms-1649	284	21	with	with	ADP
ajssms-1649	284	22	a	a	DET
ajssms-1649	284	23	probability	probability	NOUN
ajssms-1649	284	24	of	of	ADP
ajssms-1649	284	25	0.0456	0.0456	NUM
ajssms-1649	284	26	.	.	PUNCT
ajssms-1649	285	1	this	this	PRON
ajssms-1649	285	2	means	mean	VERB
ajssms-1649	285	3	that	that	SCONJ
ajssms-1649	285	4	there	there	PRON
ajssms-1649	285	5	is	be	VERB
ajssms-1649	285	6	an	an	DET
ajssms-1649	285	7	inverse	inverse	NOUN
ajssms-1649	285	8	relationship	relationship	NOUN
ajssms-1649	285	9	between	between	ADP
ajssms-1649	285	10	basel	basel	PROPN
ajssms-1649	285	11	ii	ii	PROPN
ajssms-1649	285	12	capital	capital	NOUN
ajssms-1649	285	13	and	and	CCONJ
ajssms-1649	285	14	growth	growth	NOUN
ajssms-1649	285	15	in	in	ADP
ajssms-1649	285	16	credit	credit	NOUN
ajssms-1649	285	17	to	to	ADP
ajssms-1649	285	18	smes	sme	NOUN
ajssms-1649	285	19	.	.	PUNCT
ajssms-1649	286	1	basel	basel	PROPN
ajssms-1649	286	2	iii	iii	PROPN
ajssms-1649	286	3	capital	capital	PROPN
ajssms-1649	286	4	(	(	PUNCT
ajssms-1649	286	5	basiii	basiii	PROPN
ajssms-1649	286	6	)	)	PUNCT
ajssms-1649	286	7	records	record	VERB
ajssms-1649	286	8	a	a	DET
ajssms-1649	286	9	beta	beta	ADJ
ajssms-1649	286	10	coefficient	coefficient	NOUN
ajssms-1649	286	11	of	of	ADP
ajssms-1649	286	12	-0.0681	-0.0681	PUNCT
ajssms-1649	286	13	and	and	CCONJ
ajssms-1649	286	14	probability	probability	NOUN
ajssms-1649	286	15	of	of	ADP
ajssms-1649	286	16	0.7443	0.7443	NUM
ajssms-1649	286	17	.	.	PUNCT
ajssms-1649	287	1	going	go	VERB
ajssms-1649	287	2	by	by	ADP
ajssms-1649	287	3	this	this	PRON
ajssms-1649	287	4	,	,	PUNCT
ajssms-1649	287	5	it	it	PRON
ajssms-1649	287	6	means	mean	VERB
ajssms-1649	287	7	that	that	SCONJ
ajssms-1649	287	8	there	there	PRON
ajssms-1649	287	9	is	be	VERB
ajssms-1649	287	10	a	a	DET
ajssms-1649	287	11	negative	negative	ADJ
ajssms-1649	287	12	asian	asian	ADJ
ajssms-1649	287	13	journal	journal	NOUN
ajssms-1649	287	14	of	of	ADP
ajssms-1649	287	15	social	social	ADJ
ajssms-1649	287	16	sciences	sciences	PROPN
ajssms-1649	287	17	and	and	CCONJ
ajssms-1649	287	18	management	management	NOUN
ajssms-1649	287	19	studies	study	NOUN
ajssms-1649	287	20	,	,	PUNCT
ajssms-1649	287	21	2020	2020	NUM
ajssms-1649	287	22	,	,	PUNCT
ajssms-1649	287	23	7(2	7(2	NUM
ajssms-1649	287	24	):	):	PUNCT
ajssms-1649	287	25	124	124	NUM
ajssms-1649	287	26	-	-	SYM
ajssms-1649	287	27	134	134	NUM
ajssms-1649	287	28	132	132	NUM
ajssms-1649	287	29	©	©	PROPN
ajssms-1649	287	30	2020	2020	NUM
ajssms-1649	287	31	by	by	ADP
ajssms-1649	287	32	the	the	DET
ajssms-1649	287	33	authors	author	NOUN
ajssms-1649	287	34	;	;	PUNCT
ajssms-1649	287	35	licensee	licensee	PROPN
ajssms-1649	287	36	asian	asian	ADJ
ajssms-1649	287	37	online	online	PROPN
ajssms-1649	287	38	journal	journal	PROPN
ajssms-1649	287	39	publishing	publishing	NOUN
ajssms-1649	287	40	group	group	NOUN
ajssms-1649	287	41	relationship	relationship	NOUN
ajssms-1649	287	42	between	between	ADP
ajssms-1649	287	43	basel	basel	PROPN
ajssms-1649	287	44	iii	iii	PROPN
ajssms-1649	287	45	capital	capital	NOUN
ajssms-1649	287	46	and	and	CCONJ
ajssms-1649	287	47	growth	growth	NOUN
ajssms-1649	287	48	in	in	ADP
ajssms-1649	287	49	credit	credit	NOUN
ajssms-1649	287	50	to	to	ADP
ajssms-1649	287	51	smes	sme	NOUN
ajssms-1649	287	52	which	which	PRON
ajssms-1649	287	53	is	be	AUX
ajssms-1649	287	54	statistically	statistically	ADV
ajssms-1649	287	55	insignificant	insignificant	ADJ
ajssms-1649	287	56	at	at	ADP
ajssms-1649	287	57	5	5	NUM
ajssms-1649	287	58	%	%	NOUN
ajssms-1649	287	59	level	level	NOUN
ajssms-1649	287	60	.	.	PUNCT
ajssms-1649	288	1	in	in	ADP
ajssms-1649	288	2	addition	addition	NOUN
ajssms-1649	288	3	,	,	PUNCT
ajssms-1649	288	4	the	the	DET
ajssms-1649	288	5	coefficient	coefficient	NOUN
ajssms-1649	288	6	of	of	ADP
ajssms-1649	288	7	determination	determination	NOUN
ajssms-1649	288	8	(	(	PUNCT
ajssms-1649	288	9	r2	r2	PROPN
ajssms-1649	288	10	)	)	PUNCT
ajssms-1649	288	11	of	of	ADP
ajssms-1649	288	12	0.68	0.68	NUM
ajssms-1649	288	13	in	in	ADP
ajssms-1649	288	14	table	table	NOUN
ajssms-1649	288	15	6	6	NUM
ajssms-1649	288	16	shows	show	VERB
ajssms-1649	288	17	that	that	SCONJ
ajssms-1649	288	18	68	68	NUM
ajssms-1649	288	19	percent	percent	NOUN
ajssms-1649	288	20	of	of	ADP
ajssms-1649	288	21	variation	variation	NOUN
ajssms-1649	288	22	in	in	ADP
ajssms-1649	288	23	growth	growth	NOUN
ajssms-1649	288	24	of	of	ADP
ajssms-1649	288	25	credit	credit	NOUN
ajssms-1649	288	26	to	to	ADP
ajssms-1649	288	27	the	the	DET
ajssms-1649	288	28	private	private	ADJ
ajssms-1649	288	29	sector	sector	NOUN
ajssms-1649	288	30	is	be	AUX
ajssms-1649	288	31	explained	explain	VERB
ajssms-1649	288	32	by	by	ADP
ajssms-1649	288	33	changes	change	NOUN
ajssms-1649	288	34	in	in	ADP
ajssms-1649	288	35	basel	basel	PROPN
ajssms-1649	288	36	capital	capital	NOUN
ajssms-1649	288	37	.	.	PUNCT
ajssms-1649	289	1	this	this	DET
ajssms-1649	289	2	relationship	relationship	NOUN
ajssms-1649	289	3	is	be	AUX
ajssms-1649	289	4	significant	significant	ADJ
ajssms-1649	289	5	at	at	ADP
ajssms-1649	289	6	the	the	DET
ajssms-1649	289	7	5	5	NUM
ajssms-1649	289	8	%	%	NOUN
ajssms-1649	289	9	level	level	NOUN
ajssms-1649	289	10	since	since	SCONJ
ajssms-1649	289	11	the	the	DET
ajssms-1649	289	12	f	f	NOUN
ajssms-1649	289	13	-	-	PUNCT
ajssms-1649	289	14	statistic	statistic	NOUN
ajssms-1649	289	15	of	of	ADP
ajssms-1649	289	16	8.2298	8.2298	NUM
ajssms-1649	289	17	falls	fall	VERB
ajssms-1649	289	18	outside	outside	ADP
ajssms-1649	289	19	the	the	DET
ajssms-1649	289	20	critical	critical	ADJ
ajssms-1649	289	21	region	region	NOUN
ajssms-1649	289	22	of	of	ADP
ajssms-1649	289	23	0.0001	0.0001	NUM
ajssms-1649	289	24	.	.	PUNCT
ajssms-1649	290	1	hence	hence	ADV
ajssms-1649	290	2	we	we	PRON
ajssms-1649	290	3	reject	reject	VERB
ajssms-1649	290	4	the	the	DET
ajssms-1649	290	5	ho2	ho2	PROPN
ajssms-1649	290	6	,	,	PUNCT
ajssms-1649	290	7	and	and	CCONJ
ajssms-1649	290	8	accept	accept	VERB
ajssms-1649	290	9	the	the	DET
ajssms-1649	290	10	alternate	alternate	NOUN
ajssms-1649	290	11	.	.	PUNCT
ajssms-1649	291	1	table-7	table-7	X
ajssms-1649	291	2	.	.	PUNCT
ajssms-1649	292	1	pairwise	pairwise	PROPN
ajssms-1649	292	2	granger	granger	NOUN
ajssms-1649	292	3	causality	causality	NOUN
ajssms-1649	292	4	tests	test	NOUN
ajssms-1649	292	5	.	.	PUNCT
ajssms-1649	293	1	null	null	ADJ
ajssms-1649	293	2	hypothesis	hypothesis	NOUN
ajssms-1649	293	3	:	:	PUNCT
ajssms-1649	293	4	obs	obs	PROPN
ajssms-1649	293	5	f	f	NOUN
ajssms-1649	293	6	-	-	PUNCT
ajssms-1649	293	7	statistic	statistic	ADJ
ajssms-1649	293	8	prob	prob	NOUN
ajssms-1649	293	9	.	.	PUNCT
ajssms-1649	294	1	basi	basi	PROPN
ajssms-1649	294	2	does	do	AUX
ajssms-1649	294	3	not	not	PART
ajssms-1649	294	4	granger	granger	VERB
ajssms-1649	294	5	cause	cause	VERB
ajssms-1649	294	6	sme	sme	NOUN
ajssms-1649	294	7	29	29	NUM
ajssms-1649	294	8	0.85541	0.85541	NUM
ajssms-1649	294	9	0.4377	0.4377	NUM
ajssms-1649	294	10	sme	sme	NOUN
ajssms-1649	294	11	does	do	AUX
ajssms-1649	294	12	not	not	PART
ajssms-1649	294	13	granger	granger	AUX
ajssms-1649	294	14	cause	cause	VERB
ajssms-1649	294	15	basi	basi	NOUN
ajssms-1649	294	16	9.09658	9.09658	NUM
ajssms-1649	294	17	0.0011	0.0011	NUM
ajssms-1649	294	18	basii	basii	NOUN
ajssms-1649	294	19	does	do	AUX
ajssms-1649	294	20	not	not	PART
ajssms-1649	294	21	granger	granger	VERB
ajssms-1649	294	22	cause	cause	VERB
ajssms-1649	294	23	sme	sme	PROPN
ajssms-1649	294	24	29	29	NUM
ajssms-1649	294	25	1.46560	1.46560	NUM
ajssms-1649	294	26	0.0050	0.0050	NUM
ajssms-1649	294	27	sme	sme	NOUN
ajssms-1649	294	28	does	do	AUX
ajssms-1649	294	29	not	not	PART
ajssms-1649	294	30	granger	granger	AUX
ajssms-1649	294	31	cause	cause	VERB
ajssms-1649	294	32	basii	basii	ADJ
ajssms-1649	294	33	3.04631	3.04631	NUM
ajssms-1649	294	34	0.0062	0.0062	NUM
ajssms-1649	294	35	basiii	basiii	NOUN
ajssms-1649	294	36	does	do	AUX
ajssms-1649	294	37	not	not	PART
ajssms-1649	294	38	granger	granger	VERB
ajssms-1649	294	39	cause	cause	VERB
ajssms-1649	294	40	sme	sme	NOUN
ajssms-1649	294	41	29	29	NUM
ajssms-1649	294	42	0.04181	0.04181	NUM
ajssms-1649	294	43	0.9591	0.9591	NUM
ajssms-1649	294	44	sme	sme	NOUN
ajssms-1649	294	45	does	do	AUX
ajssms-1649	294	46	not	not	PART
ajssms-1649	294	47	granger	granger	NOUN
ajssms-1649	294	48	cause	cause	VERB
ajssms-1649	294	49	basiii	basiii	VERB
ajssms-1649	294	50	0.13677	0.13677	NUM
ajssms-1649	294	51	0.8728	0.8728	NUM
ajssms-1649	294	52	basii	basii	NOUN
ajssms-1649	294	53	does	do	AUX
ajssms-1649	294	54	not	not	PART
ajssms-1649	294	55	granger	granger	AUX
ajssms-1649	294	56	cause	cause	VERB
ajssms-1649	294	57	basi	basi	NOUN
ajssms-1649	294	58	29	29	NUM
ajssms-1649	294	59	0.57833	0.57833	NUM
ajssms-1649	294	60	0.5685	0.5685	NUM
ajssms-1649	294	61	basi	basi	NOUN
ajssms-1649	294	62	does	do	AUX
ajssms-1649	294	63	not	not	PART
ajssms-1649	294	64	granger	granger	AUX
ajssms-1649	294	65	cause	cause	VERB
ajssms-1649	294	66	basii	basii	ADJ
ajssms-1649	294	67	0.93912	0.93912	NUM
ajssms-1649	294	68	0.4049	0.4049	NUM
ajssms-1649	294	69	basiii	basiii	NOUN
ajssms-1649	294	70	does	do	AUX
ajssms-1649	294	71	not	not	PART
ajssms-1649	294	72	granger	granger	AUX
ajssms-1649	294	73	cause	cause	VERB
ajssms-1649	294	74	basi	basi	PROPN
ajssms-1649	294	75	29	29	NUM
ajssms-1649	294	76	0.08027	0.08027	NUM
ajssms-1649	294	77	0.9231	0.9231	NUM
ajssms-1649	294	78	basi	basi	NOUN
ajssms-1649	294	79	does	do	AUX
ajssms-1649	294	80	not	not	PART
ajssms-1649	294	81	granger	granger	NOUN
ajssms-1649	294	82	cause	cause	VERB
ajssms-1649	294	83	basiii	basiii	VERB
ajssms-1649	294	84	0.70820	0.70820	NUM
ajssms-1649	294	85	0.5025	0.5025	NUM
ajssms-1649	294	86	basiii	basiii	NOUN
ajssms-1649	294	87	does	do	AUX
ajssms-1649	294	88	not	not	PART
ajssms-1649	294	89	granger	granger	AUX
ajssms-1649	294	90	cause	cause	VERB
ajssms-1649	294	91	basii	basii	ADJ
ajssms-1649	294	92	29	29	NUM
ajssms-1649	294	93	0.86320	0.86320	NUM
ajssms-1649	294	94	0.4345	0.4345	NUM
ajssms-1649	294	95	basii	basii	NOUN
ajssms-1649	294	96	does	do	AUX
ajssms-1649	294	97	not	not	PART
ajssms-1649	294	98	granger	granger	NOUN
ajssms-1649	294	99	cause	cause	VERB
ajssms-1649	294	100	basiii	basiii	VERB
ajssms-1649	294	101	1.05049	1.05049	NUM
ajssms-1649	294	102	0.3653	0.3653	NUM
ajssms-1649	294	103	the	the	DET
ajssms-1649	294	104	results	result	NOUN
ajssms-1649	294	105	in	in	ADP
ajssms-1649	294	106	table	table	NOUN
ajssms-1649	294	107	7	7	NUM
ajssms-1649	294	108	shows	show	VERB
ajssms-1649	294	109	that	that	SCONJ
ajssms-1649	294	110	at	at	ADP
ajssms-1649	294	111	5	5	NUM
ajssms-1649	294	112	%	%	NOUN
ajssms-1649	294	113	level	level	NOUN
ajssms-1649	294	114	of	of	ADP
ajssms-1649	294	115	significance	significance	NOUN
ajssms-1649	294	116	causality	causality	NOUN
ajssms-1649	294	117	does	do	AUX
ajssms-1649	294	118	not	not	PART
ajssms-1649	294	119	flow	flow	VERB
ajssms-1649	294	120	from	from	ADP
ajssms-1649	294	121	basel	basel	PROPN
ajssms-1649	294	122	i	i	PROPN
ajssms-1649	294	123	capital	capital	NOUN
ajssms-1649	294	124	(	(	PUNCT
ajssms-1649	294	125	basi	basi	PROPN
ajssms-1649	294	126	)	)	PUNCT
ajssms-1649	294	127	to	to	PART
ajssms-1649	294	128	growth	growth	VERB
ajssms-1649	294	129	in	in	ADP
ajssms-1649	294	130	smes	sme	NOUN
ajssms-1649	294	131	,	,	PUNCT
ajssms-1649	294	132	this	this	PRON
ajssms-1649	294	133	is	be	AUX
ajssms-1649	294	134	confirmed	confirm	VERB
ajssms-1649	294	135	by	by	ADP
ajssms-1649	294	136	the	the	DET
ajssms-1649	294	137	f	f	PROPN
ajssms-1649	294	138	-	-	PUNCT
ajssms-1649	294	139	statistics	statistic	NOUN
ajssms-1649	294	140	and	and	CCONJ
ajssms-1649	294	141	probability	probability	NOUN
ajssms-1649	294	142	of	of	ADP
ajssms-1649	294	143	(	(	PUNCT
ajssms-1649	294	144	0.8554	0.8554	NUM
ajssms-1649	294	145	and	and	CCONJ
ajssms-1649	294	146	0.4377	0.4377	NUM
ajssms-1649	294	147	)	)	PUNCT
ajssms-1649	294	148	.	.	PUNCT
ajssms-1649	295	1	but	but	CCONJ
ajssms-1649	295	2	f	f	X
ajssms-1649	295	3	-	-	PUNCT
ajssms-1649	295	4	statistics	statistic	NOUN
ajssms-1649	295	5	and	and	CCONJ
ajssms-1649	295	6	probability	probability	NOUN
ajssms-1649	295	7	shows	show	VERB
ajssms-1649	295	8	that	that	SCONJ
ajssms-1649	295	9	causality	causality	NOUN
ajssms-1649	295	10	runs	run	VERB
ajssms-1649	295	11	unidirectional	unidirectional	ADJ
ajssms-1649	295	12	from	from	ADP
ajssms-1649	295	13	smes	sme	NOUN
ajssms-1649	295	14	to	to	ADP
ajssms-1649	295	15	basel	basel	PROPN
ajssms-1649	295	16	i	i	PROPN
ajssms-1649	295	17	and	and	CCONJ
ajssms-1649	295	18	this	this	PRON
ajssms-1649	295	19	is	be	AUX
ajssms-1649	295	20	significant	significant	ADJ
ajssms-1649	295	21	at	at	ADP
ajssms-1649	295	22	5	5	NUM
ajssms-1649	295	23	%	%	NOUN
ajssms-1649	295	24	.	.	PUNCT
ajssms-1649	296	1	the	the	DET
ajssms-1649	296	2	fstatistics	fstatistic	NOUN
ajssms-1649	296	3	(	(	PUNCT
ajssms-1649	296	4	1.4656	1.4656	NUM
ajssms-1649	296	5	and	and	CCONJ
ajssms-1649	296	6	3.0463	3.0463	NUM
ajssms-1649	296	7	)	)	PUNCT
ajssms-1649	296	8	and	and	CCONJ
ajssms-1649	296	9	probability	probability	NOUN
ajssms-1649	296	10	(	(	PUNCT
ajssms-1649	296	11	0.0050	0.0050	NUM
ajssms-1649	296	12	and	and	CCONJ
ajssms-1649	296	13	0.0062	0.0062	NUM
ajssms-1649	296	14	)	)	PUNCT
ajssms-1649	296	15	for	for	ADP
ajssms-1649	296	16	basel	basel	PROPN
ajssms-1649	296	17	ii	ii	PROPN
ajssms-1649	296	18	capital	capital	PROPN
ajssms-1649	296	19	(	(	PUNCT
ajssms-1649	296	20	basii	basii	ADJ
ajssms-1649	296	21	)	)	PUNCT
ajssms-1649	296	22	shows	show	VERB
ajssms-1649	296	23	that	that	SCONJ
ajssms-1649	296	24	there	there	PRON
ajssms-1649	296	25	exist	exist	VERB
ajssms-1649	296	26	a	a	DET
ajssms-1649	296	27	bi	bi	ADJ
ajssms-1649	296	28	-	-	ADJ
ajssms-1649	296	29	directional	directional	ADJ
ajssms-1649	296	30	causality	causality	NOUN
ajssms-1649	296	31	between	between	ADP
ajssms-1649	296	32	basel	basel	PROPN
ajssms-1649	296	33	ii	ii	PROPN
ajssms-1649	296	34	and	and	CCONJ
ajssms-1649	296	35	smes	sme	NOUN
ajssms-1649	296	36	but	but	CCONJ
ajssms-1649	296	37	this	this	PRON
ajssms-1649	296	38	is	be	AUX
ajssms-1649	296	39	significant	significant	ADJ
ajssms-1649	296	40	at	at	ADP
ajssms-1649	296	41	10	10	NUM
ajssms-1649	296	42	%	%	NOUN
ajssms-1649	296	43	,	,	PUNCT
ajssms-1649	296	44	while	while	SCONJ
ajssms-1649	296	45	for	for	ADP
ajssms-1649	296	46	basel	basel	PROPN
ajssms-1649	296	47	iii	iii	PROPN
ajssms-1649	296	48	capital	capital	PROPN
ajssms-1649	296	49	(	(	PUNCT
ajssms-1649	296	50	basiii	basiii	PROPN
ajssms-1649	296	51	)	)	PUNCT
ajssms-1649	296	52	,	,	PUNCT
ajssms-1649	296	53	the	the	DET
ajssms-1649	296	54	f	f	NOUN
ajssms-1649	296	55	-	-	PUNCT
ajssms-1649	296	56	statistics	statistic	NOUN
ajssms-1649	296	57	of	of	ADP
ajssms-1649	296	58	0.0418	0.0418	NUM
ajssms-1649	296	59	and	and	CCONJ
ajssms-1649	296	60	0.1368	0.1368	NUM
ajssms-1649	296	61	and	and	CCONJ
ajssms-1649	296	62	the	the	DET
ajssms-1649	296	63	probability	probability	NOUN
ajssms-1649	296	64	of	of	ADP
ajssms-1649	296	65	0.9591	0.9591	NUM
ajssms-1649	296	66	and	and	CCONJ
ajssms-1649	296	67	0.8728	0.8728	NUM
ajssms-1649	296	68	records	record	NOUN
ajssms-1649	296	69	that	that	SCONJ
ajssms-1649	296	70	there	there	PRON
ajssms-1649	296	71	is	be	VERB
ajssms-1649	296	72	no	no	DET
ajssms-1649	296	73	causality	causality	NOUN
ajssms-1649	296	74	between	between	ADP
ajssms-1649	296	75	basel	basel	PROPN
ajssms-1649	296	76	iii	iii	PROPN
ajssms-1649	296	77	capital	capital	PROPN
ajssms-1649	296	78	(	(	PUNCT
ajssms-1649	296	79	basiii	basiii	PROPN
ajssms-1649	296	80	)	)	PUNCT
ajssms-1649	296	81	and	and	CCONJ
ajssms-1649	296	82	credit	credit	NOUN
ajssms-1649	296	83	to	to	ADP
ajssms-1649	296	84	smes	sme	NOUN
ajssms-1649	296	85	.	.	PUNCT
ajssms-1649	297	1	therefore	therefore	ADV
ajssms-1649	297	2	,	,	PUNCT
ajssms-1649	297	3	the	the	DET
ajssms-1649	297	4	hypothesis	hypothesis	NOUN
ajssms-1649	297	5	of	of	ADP
ajssms-1649	297	6	there	there	PRON
ajssms-1649	297	7	is	be	VERB
ajssms-1649	297	8	no	no	DET
ajssms-1649	297	9	causality	causality	NOUN
ajssms-1649	297	10	is	be	AUX
ajssms-1649	297	11	rejected	reject	VERB
ajssms-1649	297	12	in	in	ADP
ajssms-1649	297	13	place	place	NOUN
ajssms-1649	297	14	of	of	ADP
ajssms-1649	297	15	the	the	DET
ajssms-1649	297	16	alternate	alternate	NOUN
ajssms-1649	297	17	.	.	PUNCT
ajssms-1649	298	1	4.5	4.5	NUM
ajssms-1649	298	2	.	.	PUNCT
ajssms-1649	298	3	discussion	discussion	NOUN
ajssms-1649	298	4	of	of	ADP
ajssms-1649	298	5	findings	finding	NOUN
ajssms-1649	298	6	the	the	DET
ajssms-1649	298	7	empirical	empirical	ADJ
ajssms-1649	298	8	findings	finding	NOUN
ajssms-1649	298	9	for	for	ADP
ajssms-1649	298	10	the	the	DET
ajssms-1649	298	11	study	study	NOUN
ajssms-1649	298	12	support	support	VERB
ajssms-1649	298	13	the	the	DET
ajssms-1649	298	14	theory	theory	NOUN
ajssms-1649	298	15	of	of	ADP
ajssms-1649	298	16	bank	bank	PROPN
ajssms-1649	298	17	capital	capital	NOUN
ajssms-1649	298	18	channel	channel	NOUN
ajssms-1649	298	19	that	that	PRON
ajssms-1649	298	20	postulate	postulate	VERB
ajssms-1649	298	21	that	that	SCONJ
ajssms-1649	298	22	monetary	monetary	ADJ
ajssms-1649	298	23	policy	policy	NOUN
ajssms-1649	298	24	actions	action	NOUN
ajssms-1649	298	25	influence	influence	VERB
ajssms-1649	298	26	bank	bank	NOUN
ajssms-1649	298	27	lending	lending	NOUN
ajssms-1649	298	28	behavior	behavior	NOUN
ajssms-1649	298	29	,	,	PUNCT
ajssms-1649	298	30	through	through	ADP
ajssms-1649	298	31	its	its	PRON
ajssms-1649	298	32	impact	impact	NOUN
ajssms-1649	298	33	on	on	ADP
ajssms-1649	298	34	bank	bank	NOUN
ajssms-1649	298	35	equity	equity	NOUN
ajssms-1649	298	36	capital	capital	NOUN
ajssms-1649	298	37	.	.	PUNCT
ajssms-1649	299	1	these	these	DET
ajssms-1649	299	2	monetary	monetary	ADJ
ajssms-1649	299	3	policy	policy	NOUN
ajssms-1649	299	4	actions	action	NOUN
ajssms-1649	299	5	can	can	AUX
ajssms-1649	299	6	lead	lead	VERB
ajssms-1649	299	7	to	to	ADP
ajssms-1649	299	8	a	a	DET
ajssms-1649	299	9	change	change	NOUN
ajssms-1649	299	10	in	in	ADP
ajssms-1649	299	11	the	the	DET
ajssms-1649	299	12	financial	financial	ADJ
ajssms-1649	299	13	position	position	NOUN
ajssms-1649	299	14	of	of	ADP
ajssms-1649	299	15	the	the	DET
ajssms-1649	299	16	banking	banking	NOUN
ajssms-1649	299	17	sector	sector	NOUN
ajssms-1649	299	18	,	,	PUNCT
ajssms-1649	299	19	thereby	thereby	ADV
ajssms-1649	299	20	changing	change	VERB
ajssms-1649	299	21	the	the	DET
ajssms-1649	299	22	preferences	preference	NOUN
ajssms-1649	299	23	of	of	ADP
ajssms-1649	299	24	its	its	PRON
ajssms-1649	299	25	shareholder	shareholder	NOUN
ajssms-1649	299	26	(	(	PUNCT
ajssms-1649	299	27	markovic	markovic	PROPN
ajssms-1649	299	28	,	,	PUNCT
ajssms-1649	299	29	2006	2006	NUM
ajssms-1649	299	30	)	)	PUNCT
ajssms-1649	299	31	.	.	PUNCT
ajssms-1649	300	1	when	when	SCONJ
ajssms-1649	300	2	bank	bank	PROPN
ajssms-1649	300	3	equity	equity	NOUN
ajssms-1649	300	4	capital	capital	NOUN
ajssms-1649	300	5	is	be	AUX
ajssms-1649	300	6	sufficiently	sufficiently	ADV
ajssms-1649	300	7	low	low	ADJ
ajssms-1649	300	8	,	,	PUNCT
ajssms-1649	300	9	because	because	SCONJ
ajssms-1649	300	10	of	of	ADP
ajssms-1649	300	11	loan	loan	NOUN
ajssms-1649	300	12	losses	loss	NOUN
ajssms-1649	300	13	or	or	CCONJ
ajssms-1649	300	14	some	some	DET
ajssms-1649	300	15	other	other	ADJ
ajssms-1649	300	16	adverse	adverse	ADJ
ajssms-1649	300	17	shocks	shock	NOUN
ajssms-1649	300	18	,	,	PUNCT
ajssms-1649	300	19	the	the	DET
ajssms-1649	300	20	bank	bank	NOUN
ajssms-1649	300	21	will	will	AUX
ajssms-1649	300	22	reduce	reduce	VERB
ajssms-1649	300	23	lending	lending	NOUN
ajssms-1649	300	24	because	because	SCONJ
ajssms-1649	300	25	of	of	ADP
ajssms-1649	300	26	the	the	DET
ajssms-1649	300	27	capital	capital	NOUN
ajssms-1649	300	28	requirement	requirement	NOUN
ajssms-1649	300	29	and	and	CCONJ
ajssms-1649	300	30	the	the	DET
ajssms-1649	300	31	cost	cost	NOUN
ajssms-1649	300	32	of	of	ADP
ajssms-1649	300	33	issuing	issue	VERB
ajssms-1649	300	34	new	new	ADJ
ajssms-1649	300	35	equity	equity	NOUN
ajssms-1649	300	36	.	.	PUNCT
ajssms-1649	301	1	even	even	ADV
ajssms-1649	301	2	when	when	SCONJ
ajssms-1649	301	3	the	the	DET
ajssms-1649	301	4	capital	capital	NOUN
ajssms-1649	301	5	requirement	requirement	NOUN
ajssms-1649	301	6	is	be	AUX
ajssms-1649	301	7	not	not	PART
ajssms-1649	301	8	currently	currently	ADV
ajssms-1649	301	9	binding	bind	VERB
ajssms-1649	301	10	,	,	PUNCT
ajssms-1649	301	11	the	the	DET
ajssms-1649	301	12	model	model	NOUN
ajssms-1649	301	13	showed	show	VERB
ajssms-1649	301	14	that	that	SCONJ
ajssms-1649	301	15	a	a	DET
ajssms-1649	301	16	low	low	ADJ
ajssms-1649	301	17	capitalized	capitalize	VERB
ajssms-1649	301	18	bank	bank	NOUN
ajssms-1649	301	19	may	may	AUX
ajssms-1649	301	20	optimally	optimally	ADV
ajssms-1649	301	21	forgo	forgo	VERB
ajssms-1649	301	22	profitable	profitable	ADJ
ajssms-1649	301	23	lending	lending	NOUN
ajssms-1649	301	24	opportunities	opportunity	NOUN
ajssms-1649	301	25	now	now	ADV
ajssms-1649	301	26	to	to	PART
ajssms-1649	301	27	lower	lower	VERB
ajssms-1649	301	28	the	the	DET
ajssms-1649	301	29	risk	risk	NOUN
ajssms-1649	301	30	of	of	ADP
ajssms-1649	301	31	future	future	ADJ
ajssms-1649	301	32	capital	capital	NOUN
ajssms-1649	301	33	inadequacy	inadequacy	NOUN
ajssms-1649	301	34	.	.	PUNCT
ajssms-1649	302	1	conversely	conversely	ADV
ajssms-1649	302	2	,	,	PUNCT
ajssms-1649	302	3	the	the	DET
ajssms-1649	302	4	empirical	empirical	ADJ
ajssms-1649	302	5	results	result	NOUN
ajssms-1649	302	6	for	for	ADP
ajssms-1649	302	7	nigeria	nigeria	PRON
ajssms-1649	302	8	contradicted	contradict	VERB
ajssms-1649	302	9	the	the	DET
ajssms-1649	302	10	modigliani	modigliani	PROPN
ajssms-1649	302	11	-	-	PUNCT
ajssms-1649	302	12	miller	miller	PROPN
ajssms-1649	302	13	irrelevance	irrelevance	NOUN
ajssms-1649	302	14	theory	theory	NOUN
ajssms-1649	302	15	that	that	PRON
ajssms-1649	302	16	argued	argue	VERB
ajssms-1649	302	17	that	that	SCONJ
ajssms-1649	302	18	in	in	ADP
ajssms-1649	302	19	the	the	DET
ajssms-1649	302	20	world	world	NOUN
ajssms-1649	302	21	of	of	ADP
ajssms-1649	302	22	perfect	perfect	ADJ
ajssms-1649	302	23	capital	capital	NOUN
ajssms-1649	302	24	markets	market	NOUN
ajssms-1649	302	25	,	,	PUNCT
ajssms-1649	302	26	bank	bank	NOUN
ajssms-1649	302	27	lending	lending	NOUN
ajssms-1649	302	28	decisions	decision	NOUN
ajssms-1649	302	29	are	be	AUX
ajssms-1649	302	30	independent	independent	ADJ
ajssms-1649	302	31	of	of	ADP
ajssms-1649	302	32	banks	bank	NOUN
ajssms-1649	302	33	institution	institution	NOUN
ajssms-1649	302	34	capital	capital	NOUN
ajssms-1649	302	35	structure	structure	NOUN
ajssms-1649	302	36	,	,	PUNCT
ajssms-1649	302	37	since	since	SCONJ
ajssms-1649	302	38	the	the	DET
ajssms-1649	302	39	bank	bank	NOUN
ajssms-1649	302	40	will	will	AUX
ajssms-1649	302	41	always	always	ADV
ajssms-1649	302	42	be	be	AUX
ajssms-1649	302	43	able	able	ADJ
ajssms-1649	302	44	to	to	PART
ajssms-1649	302	45	find	find	VERB
ajssms-1649	302	46	investors	investor	NOUN
ajssms-1649	302	47	willing	willing	ADJ
ajssms-1649	302	48	to	to	PART
ajssms-1649	302	49	fund	fund	VERB
ajssms-1649	302	50	viable	viable	ADJ
ajssms-1649	302	51	lending	lending	NOUN
ajssms-1649	302	52	opportunities	opportunity	NOUN
ajssms-1649	302	53	;	;	PUNCT
ajssms-1649	302	54	the	the	DET
ajssms-1649	302	55	level	level	NOUN
ajssms-1649	302	56	of	of	ADP
ajssms-1649	302	57	bank	bank	NOUN
ajssms-1649	302	58	capital	capital	NOUN
ajssms-1649	302	59	is	be	AUX
ajssms-1649	302	60	irrelevant	irrelevant	ADJ
ajssms-1649	302	61	to	to	ADP
ajssms-1649	302	62	lending	lending	NOUN
ajssms-1649	302	63	and	and	CCONJ
ajssms-1649	302	64	also	also	ADV
ajssms-1649	302	65	to	to	ADP
ajssms-1649	302	66	the	the	DET
ajssms-1649	302	67	monetary	monetary	ADJ
ajssms-1649	302	68	policy	policy	NOUN
ajssms-1649	302	69	transmission	transmission	NOUN
ajssms-1649	302	70	mechanism	mechanism	NOUN
ajssms-1649	302	71	(	(	PUNCT
ajssms-1649	302	72	hubbard	hubbard	PROPN
ajssms-1649	302	73	et	et	PROPN
ajssms-1649	302	74	al	al	PROPN
ajssms-1649	302	75	.	.	PROPN
ajssms-1649	302	76	,	,	PUNCT
ajssms-1649	302	77	2006	2006	NUM
ajssms-1649	302	78	)	)	PUNCT
ajssms-1649	302	79	.	.	PUNCT
ajssms-1649	303	1	this	this	DET
ajssms-1649	303	2	theory	theory	NOUN
ajssms-1649	303	3	or	or	CCONJ
ajssms-1649	303	4	logic	logic	NOUN
ajssms-1649	303	5	of	of	ADP
ajssms-1649	303	6	modigliani	modigliani	PROPN
ajssms-1649	303	7	and	and	CCONJ
ajssms-1649	303	8	miller	miller	PROPN
ajssms-1649	303	9	existed	exist	VERB
ajssms-1649	303	10	as	as	SCONJ
ajssms-1649	303	11	bank‟s	bank‟s	ADJ
ajssms-1649	303	12	lending	lending	NOUN
ajssms-1649	303	13	depended	depend	VERB
ajssms-1649	303	14	on	on	ADP
ajssms-1649	303	15	its	its	PRON
ajssms-1649	303	16	capital	capital	NOUN
ajssms-1649	303	17	structure	structure	NOUN
ajssms-1649	303	18	as	as	ADV
ajssms-1649	303	19	well	well	ADV
ajssms-1649	303	20	as	as	ADP
ajssms-1649	303	21	on	on	ADP
ajssms-1649	303	22	lending	lend	VERB
ajssms-1649	303	23	opportunities	opportunity	NOUN
ajssms-1649	303	24	and	and	CCONJ
ajssms-1649	303	25	market	market	NOUN
ajssms-1649	303	26	interest	interest	NOUN
ajssms-1649	303	27	rates	rate	NOUN
ajssms-1649	303	28	.	.	PUNCT
ajssms-1649	304	1	when	when	SCONJ
ajssms-1649	304	2	equity	equity	NOUN
ajssms-1649	304	3	is	be	AUX
ajssms-1649	304	4	sufficiently	sufficiently	ADV
ajssms-1649	304	5	low	low	ADJ
ajssms-1649	304	6	,	,	PUNCT
ajssms-1649	304	7	because	because	SCONJ
ajssms-1649	304	8	of	of	ADP
ajssms-1649	304	9	loan	loan	NOUN
ajssms-1649	304	10	losses	loss	NOUN
ajssms-1649	304	11	or	or	CCONJ
ajssms-1649	304	12	some	some	DET
ajssms-1649	304	13	other	other	ADJ
ajssms-1649	304	14	adverse	adverse	ADJ
ajssms-1649	304	15	shock	shock	NOUN
ajssms-1649	304	16	,	,	PUNCT
ajssms-1649	304	17	the	the	DET
ajssms-1649	304	18	bank	bank	NOUN
ajssms-1649	304	19	will	will	AUX
ajssms-1649	304	20	reduce	reduce	VERB
ajssms-1649	304	21	lending	lending	NOUN
ajssms-1649	304	22	because	because	SCONJ
ajssms-1649	304	23	of	of	ADP
ajssms-1649	304	24	the	the	DET
ajssms-1649	304	25	capital	capital	NOUN
ajssms-1649	304	26	requirement	requirement	NOUN
ajssms-1649	304	27	is	be	AUX
ajssms-1649	304	28	not	not	PART
ajssms-1649	304	29	currently	currently	ADV
ajssms-1649	304	30	binding	bind	VERB
ajssms-1649	304	31	,	,	PUNCT
ajssms-1649	304	32	the	the	DET
ajssms-1649	304	33	model	model	NOUN
ajssms-1649	304	34	showed	show	VERB
ajssms-1649	304	35	that	that	SCONJ
ajssms-1649	304	36	a	a	DET
ajssms-1649	304	37	low	low	ADJ
ajssms-1649	304	38	capitalized	capitalize	VERB
ajssms-1649	304	39	bank	bank	NOUN
ajssms-1649	304	40	may	may	AUX
ajssms-1649	304	41	optimally	optimally	ADV
ajssms-1649	304	42	forgo	forgo	VERB
ajssms-1649	304	43	profitable	profitable	ADJ
ajssms-1649	304	44	lending	lending	NOUN
ajssms-1649	304	45	opportunities	opportunity	NOUN
ajssms-1649	304	46	now	now	ADV
ajssms-1649	304	47	to	to	PART
ajssms-1649	304	48	lower	lower	VERB
ajssms-1649	304	49	the	the	DET
ajssms-1649	304	50	risk	risk	NOUN
ajssms-1649	304	51	of	of	ADP
ajssms-1649	304	52	future	future	ADJ
ajssms-1649	304	53	capital	capital	NOUN
ajssms-1649	304	54	inadequacy	inadequacy	NOUN
ajssms-1649	304	55	(	(	PUNCT
ajssms-1649	304	56	chami	chami	NOUN
ajssms-1649	304	57	&	&	CCONJ
ajssms-1649	304	58	cosimano	cosimano	PROPN
ajssms-1649	304	59	,	,	PUNCT
ajssms-1649	304	60	2001	2001	NUM
ajssms-1649	304	61	;	;	PUNCT
ajssms-1649	304	62	meh	meh	PROPN
ajssms-1649	304	63	&	&	CCONJ
ajssms-1649	304	64	moran	moran	PROPN
ajssms-1649	304	65	,	,	PUNCT
ajssms-1649	304	66	2010	2010	NUM
ajssms-1649	304	67	)	)	PUNCT
ajssms-1649	304	68	.	.	PUNCT
ajssms-1649	305	1	previous	previous	ADJ
ajssms-1649	305	2	studies	study	NOUN
ajssms-1649	305	3	provided	provide	VERB
ajssms-1649	305	4	evidence	evidence	NOUN
ajssms-1649	305	5	on	on	ADP
ajssms-1649	305	6	the	the	DET
ajssms-1649	305	7	positive	positive	ADJ
ajssms-1649	305	8	relationship	relationship	NOUN
ajssms-1649	305	9	between	between	ADP
ajssms-1649	305	10	bank	bank	NOUN
ajssms-1649	305	11	capital	capital	NOUN
ajssms-1649	305	12	and	and	CCONJ
ajssms-1649	305	13	lending	lending	NOUN
ajssms-1649	305	14	behavior	behavior	NOUN
ajssms-1649	305	15	and	and	CCONJ
ajssms-1649	305	16	because	because	SCONJ
ajssms-1649	305	17	the	the	DET
ajssms-1649	305	18	studies	study	NOUN
ajssms-1649	305	19	were	be	AUX
ajssms-1649	305	20	all	all	ADV
ajssms-1649	305	21	in	in	ADP
ajssms-1649	305	22	advanced	advanced	ADJ
ajssms-1649	305	23	economies	economy	NOUN
ajssms-1649	305	24	,	,	PUNCT
ajssms-1649	305	25	it	it	PRON
ajssms-1649	305	26	was	be	AUX
ajssms-1649	305	27	essential	essential	ADJ
ajssms-1649	305	28	to	to	PART
ajssms-1649	305	29	study	study	VERB
ajssms-1649	305	30	whether	whether	SCONJ
ajssms-1649	305	31	the	the	DET
ajssms-1649	305	32	same	same	ADJ
ajssms-1649	305	33	principles	principle	NOUN
ajssms-1649	305	34	would	would	AUX
ajssms-1649	305	35	hold	hold	VERB
ajssms-1649	305	36	given	give	VERB
ajssms-1649	305	37	the	the	DET
ajssms-1649	305	38	dynamics	dynamic	NOUN
ajssms-1649	305	39	of	of	ADP
ajssms-1649	305	40	emerging	emerge	VERB
ajssms-1649	305	41	market	market	NOUN
ajssms-1649	305	42	economies	economy	NOUN
ajssms-1649	305	43	of	of	ADP
ajssms-1649	305	44	which	which	PRON
ajssms-1649	305	45	nigeria	nigeria	PROPN
ajssms-1649	305	46	is	be	AUX
ajssms-1649	305	47	one	one	NUM
ajssms-1649	305	48	.	.	PUNCT
ajssms-1649	306	1	empirically	empirically	ADV
ajssms-1649	306	2	,	,	PUNCT
ajssms-1649	306	3	our	our	PRON
ajssms-1649	306	4	findings	finding	NOUN
ajssms-1649	306	5	agreed	agree	VERB
ajssms-1649	306	6	with	with	ADP
ajssms-1649	306	7	the	the	DET
ajssms-1649	306	8	works	work	NOUN
ajssms-1649	306	9	of	of	ADP
ajssms-1649	306	10	berger	berger	PROPN
ajssms-1649	306	11	et	et	PROPN
ajssms-1649	306	12	al	al	PROPN
ajssms-1649	306	13	.	.	PROPN
ajssms-1649	307	1	(	(	PUNCT
ajssms-1649	307	2	1995	1995	NUM
ajssms-1649	307	3	)	)	PUNCT
ajssms-1649	307	4	;	;	PUNCT
ajssms-1649	307	5	peek	peek	NOUN
ajssms-1649	307	6	and	and	CCONJ
ajssms-1649	307	7	rosengren	rosengren	PROPN
ajssms-1649	307	8	(	(	PUNCT
ajssms-1649	307	9	1995	1995	NUM
ajssms-1649	307	10	)	)	PUNCT
ajssms-1649	307	11	;	;	PUNCT
ajssms-1649	307	12	adewumi	adewumi	NOUN
ajssms-1649	307	13	(	(	PUNCT
ajssms-1649	307	14	1997	1997	NUM
ajssms-1649	307	15	)	)	PUNCT
ajssms-1649	307	16	;	;	PUNCT
ajssms-1649	307	17	woo	woo	INTJ
ajssms-1649	307	18	(	(	PUNCT
ajssms-1649	307	19	2003	2003	NUM
ajssms-1649	307	20	)	)	PUNCT
ajssms-1649	307	21	,	,	PUNCT
ajssms-1649	307	22	albertazzi	albertazzi	ADV
ajssms-1649	307	23	and	and	CCONJ
ajssms-1649	307	24	marchetti	marchetti	PROPN
ajssms-1649	307	25	(	(	PUNCT
ajssms-1649	307	26	2010	2010	NUM
ajssms-1649	307	27	)	)	PUNCT
ajssms-1649	307	28	;	;	PUNCT
ajssms-1649	307	29	buch	buch	NOUN
ajssms-1649	307	30	and	and	CCONJ
ajssms-1649	307	31	prieto	prieto	NOUN
ajssms-1649	307	32	(	(	PUNCT
ajssms-1649	307	33	2014	2014	NUM
ajssms-1649	307	34	)	)	PUNCT
ajssms-1649	307	35	;	;	PUNCT
ajssms-1649	307	36	koch	koch	PROPN
ajssms-1649	307	37	and	and	CCONJ
ajssms-1649	307	38	macdonald	macdonald	PROPN
ajssms-1649	307	39	(	(	PUNCT
ajssms-1649	307	40	2015	2015	NUM
ajssms-1649	307	41	)	)	PUNCT
ajssms-1649	307	42	;	;	PUNCT
ajssms-1649	307	43	woo	woo	INTJ
ajssms-1649	307	44	(	(	PUNCT
ajssms-1649	307	45	2003	2003	NUM
ajssms-1649	307	46	)	)	PUNCT
ajssms-1649	307	47	,	,	PUNCT
ajssms-1649	307	48	albertazzi	albertazzi	ADV
ajssms-1649	307	49	and	and	CCONJ
ajssms-1649	307	50	marchetti	marchetti	PROPN
ajssms-1649	307	51	(	(	PUNCT
ajssms-1649	307	52	2010	2010	NUM
ajssms-1649	307	53	)	)	PUNCT
ajssms-1649	307	54	;	;	PUNCT
ajssms-1649	307	55	klaus	klaus	PROPN
ajssms-1649	307	56	and	and	CCONJ
ajssms-1649	307	57	philipp	philipp	PROPN
ajssms-1649	307	58	(	(	PUNCT
ajssms-1649	307	59	2013	2013	NUM
ajssms-1649	307	60	)	)	PUNCT
ajssms-1649	307	61	and	and	CCONJ
ajssms-1649	307	62	jose	jose	PROPN
ajssms-1649	307	63	,	,	PUNCT
ajssms-1649	307	64	santiago	santiago	PROPN
ajssms-1649	307	65	,	,	PUNCT
ajssms-1649	307	66	ana	ana	PROPN
ajssms-1649	307	67	,	,	PUNCT
ajssms-1649	307	68	and	and	CCONJ
ajssms-1649	307	69	camilo	camilo	PROPN
ajssms-1649	307	70	(	(	PUNCT
ajssms-1649	307	71	2017	2017	NUM
ajssms-1649	307	72	)	)	PUNCT
ajssms-1649	307	73	in	in	ADP
ajssms-1649	307	74	which	which	PRON
ajssms-1649	307	75	they	they	PRON
ajssms-1649	307	76	opined	opine	VERB
ajssms-1649	307	77	that	that	SCONJ
ajssms-1649	307	78	under	under	ADP
ajssms-1649	307	79	capitalized	capitalize	VERB
ajssms-1649	307	80	banks	bank	NOUN
ajssms-1649	307	81	reduced	reduce	VERB
ajssms-1649	307	82	their	their	PRON
ajssms-1649	307	83	lending	lending	NOUN
ajssms-1649	307	84	more	more	ADV
ajssms-1649	307	85	than	than	ADP
ajssms-1649	307	86	the	the	DET
ajssms-1649	307	87	well	well	ADV
ajssms-1649	307	88	capitalized	capitalize	VERB
ajssms-1649	307	89	and	and	CCONJ
ajssms-1649	307	90	therefore	therefore	ADV
ajssms-1649	307	91	the	the	DET
ajssms-1649	307	92	well	well	ADV
ajssms-1649	307	93	capitalized	capitalize	VERB
ajssms-1649	307	94	positively	positively	ADV
ajssms-1649	307	95	influences	influence	VERB
ajssms-1649	307	96	lending	lending	NOUN
ajssms-1649	307	97	behavior	behavior	NOUN
ajssms-1649	307	98	in	in	ADP
ajssms-1649	307	99	nigeria	nigeria	PROPN
ajssms-1649	307	100	.	.	PUNCT
ajssms-1649	308	1	however	however	ADV
ajssms-1649	308	2	,	,	PUNCT
ajssms-1649	308	3	this	this	DET
ajssms-1649	308	4	position	position	NOUN
ajssms-1649	308	5	was	be	AUX
ajssms-1649	308	6	contradicted	contradict	VERB
ajssms-1649	308	7	by	by	ADP
ajssms-1649	308	8	the	the	DET
ajssms-1649	308	9	works	work	NOUN
ajssms-1649	308	10	of	of	ADP
ajssms-1649	308	11	kapan	kapan	PROPN
ajssms-1649	308	12	and	and	CCONJ
ajssms-1649	308	13	minoiu	minoiu	PROPN
ajssms-1649	308	14	(	(	PUNCT
ajssms-1649	308	15	2013	2013	NUM
ajssms-1649	308	16	)	)	PUNCT
ajssms-1649	308	17	who	who	PRON
ajssms-1649	308	18	argued	argue	VERB
ajssms-1649	308	19	that	that	SCONJ
ajssms-1649	308	20	better	well	ADJ
ajssms-1649	308	21	capitalized	capitalize	VERB
ajssms-1649	308	22	banks	bank	NOUN
ajssms-1649	308	23	with	with	ADP
ajssms-1649	308	24	lower	low	ADJ
ajssms-1649	308	25	leverage	leverage	NOUN
ajssms-1649	308	26	ratio	ratio	NOUN
ajssms-1649	308	27	are	be	AUX
ajssms-1649	308	28	exposed	expose	VERB
ajssms-1649	308	29	to	to	ADP
ajssms-1649	308	30	financial	financial	ADJ
ajssms-1649	308	31	market	market	NOUN
ajssms-1649	308	32	shocks	shock	NOUN
ajssms-1649	308	33	decreased	decrease	VERB
ajssms-1649	308	34	their	their	PRON
ajssms-1649	308	35	supply	supply	NOUN
ajssms-1649	308	36	of	of	ADP
ajssms-1649	308	37	loans	loan	NOUN
ajssms-1649	308	38	less	less	ADJ
ajssms-1649	308	39	than	than	ADP
ajssms-1649	308	40	other	other	ADJ
ajssms-1649	308	41	banks	bank	NOUN
ajssms-1649	308	42	.	.	PUNCT
ajssms-1649	309	1	5	5	X
ajssms-1649	309	2	.	.	X
ajssms-1649	309	3	conclusions	conclusion	NOUN
ajssms-1649	309	4	based	base	VERB
ajssms-1649	309	5	on	on	ADP
ajssms-1649	309	6	the	the	DET
ajssms-1649	309	7	findings	finding	NOUN
ajssms-1649	309	8	of	of	ADP
ajssms-1649	309	9	the	the	DET
ajssms-1649	309	10	study	study	NOUN
ajssms-1649	309	11	,	,	PUNCT
ajssms-1649	309	12	we	we	PRON
ajssms-1649	309	13	conclude	conclude	VERB
ajssms-1649	309	14	that	that	SCONJ
ajssms-1649	309	15	in	in	ADP
ajssms-1649	309	16	nigeria	nigeria	PRON
ajssms-1649	309	17	the	the	DET
ajssms-1649	309	18	theory	theory	NOUN
ajssms-1649	309	19	of	of	ADP
ajssms-1649	309	20	bank	bank	PROPN
ajssms-1649	309	21	capital	capital	PROPN
ajssms-1649	309	22	channel	channel	NOUN
ajssms-1649	309	23	which	which	PRON
ajssms-1649	309	24	postulates	postulate	VERB
ajssms-1649	309	25	that	that	SCONJ
ajssms-1649	309	26	monetary	monetary	ADJ
ajssms-1649	309	27	policy	policy	NOUN
ajssms-1649	309	28	actions	action	NOUN
ajssms-1649	309	29	influence	influence	VERB
ajssms-1649	309	30	bank	bank	NOUN
ajssms-1649	309	31	lending	lending	NOUN
ajssms-1649	309	32	behavior	behavior	NOUN
ajssms-1649	309	33	,	,	PUNCT
ajssms-1649	309	34	through	through	ADP
ajssms-1649	309	35	its	its	PRON
ajssms-1649	309	36	impact	impact	NOUN
ajssms-1649	309	37	on	on	ADP
ajssms-1649	309	38	bank	bank	NOUN
ajssms-1649	309	39	equity	equity	NOUN
ajssms-1649	309	40	capital	capital	NOUN
ajssms-1649	309	41	is	be	AUX
ajssms-1649	309	42	supported	support	VERB
ajssms-1649	309	43	.	.	PUNCT
ajssms-1649	310	1	this	this	DET
ajssms-1649	310	2	conclusive	conclusive	ADJ
ajssms-1649	310	3	position	position	NOUN
ajssms-1649	310	4	is	be	AUX
ajssms-1649	310	5	based	base	VERB
ajssms-1649	310	6	on	on	ADP
ajssms-1649	310	7	the	the	DET
ajssms-1649	310	8	analysis	analysis	NOUN
ajssms-1649	310	9	of	of	ADP
ajssms-1649	310	10	the	the	DET
ajssms-1649	310	11	relationship	relationship	NOUN
ajssms-1649	310	12	of	of	ADP
ajssms-1649	310	13	the	the	DET
ajssms-1649	310	14	variables	variable	NOUN
ajssms-1649	310	15	modeled	model	VERB
ajssms-1649	310	16	in	in	ADP
ajssms-1649	310	17	the	the	DET
ajssms-1649	310	18	study	study	NOUN
ajssms-1649	310	19	which	which	PRON
ajssms-1649	310	20	showed	show	VERB
ajssms-1649	310	21	that	that	SCONJ
ajssms-1649	310	22	basel	basel	PROPN
ajssms-1649	310	23	capital	capital	NOUN
ajssms-1649	310	24	influences	influence	VERB
ajssms-1649	310	25	growth	growth	NOUN
ajssms-1649	310	26	in	in	ADP
ajssms-1649	310	27	credit	credit	NOUN
ajssms-1649	310	28	to	to	ADP
ajssms-1649	310	29	the	the	DET
ajssms-1649	310	30	private	private	ADJ
ajssms-1649	310	31	sector	sector	NOUN
ajssms-1649	310	32	(	(	PUNCT
ajssms-1649	310	33	cps	cps	PROPN
ajssms-1649	310	34	)	)	PUNCT
ajssms-1649	310	35	and	and	CCONJ
ajssms-1649	310	36	growth	growth	NOUN
ajssms-1649	310	37	in	in	ADP
ajssms-1649	310	38	credit	credit	NOUN
ajssms-1649	310	39	to	to	ADP
ajssms-1649	310	40	small	small	ADJ
ajssms-1649	310	41	and	and	CCONJ
ajssms-1649	310	42	medium	medium	ADJ
ajssms-1649	310	43	enterprises	enterprise	NOUN
ajssms-1649	310	44	(	(	PUNCT
ajssms-1649	310	45	smes	sme	NOUN
ajssms-1649	310	46	)	)	PUNCT
ajssms-1649	310	47	.	.	PUNCT
ajssms-1649	311	1	based	base	VERB
ajssms-1649	311	2	on	on	ADP
ajssms-1649	311	3	the	the	DET
ajssms-1649	311	4	conclusion	conclusion	NOUN
ajssms-1649	311	5	,	,	PUNCT
ajssms-1649	311	6	the	the	DET
ajssms-1649	311	7	study	study	NOUN
ajssms-1649	311	8	therefore	therefore	ADV
ajssms-1649	311	9	recommend	recommend	VERB
ajssms-1649	311	10	as	as	SCONJ
ajssms-1649	311	11	follows	follow	VERB
ajssms-1649	311	12	:	:	PUNCT
ajssms-1649	312	1	i.	i.	PROPN
ajssms-1649	312	2	the	the	DET
ajssms-1649	312	3	central	central	PROPN
ajssms-1649	312	4	bank	bank	PROPN
ajssms-1649	312	5	of	of	ADP
ajssms-1649	312	6	nigeria	nigeria	PROPN
ajssms-1649	312	7	should	should	AUX
ajssms-1649	312	8	focus	focus	VERB
ajssms-1649	312	9	adequate	adequate	ADJ
ajssms-1649	312	10	attention	attention	NOUN
ajssms-1649	312	11	in	in	ADP
ajssms-1649	312	12	ensuring	ensure	VERB
ajssms-1649	312	13	macroeconomic	macroeconomic	ADJ
ajssms-1649	312	14	and	and	CCONJ
ajssms-1649	312	15	monetary	monetary	ADJ
ajssms-1649	312	16	stability	stability	NOUN
ajssms-1649	312	17	to	to	PART
ajssms-1649	312	18	enable	enable	VERB
ajssms-1649	312	19	not	not	PART
ajssms-1649	312	20	only	only	ADV
ajssms-1649	312	21	banking	bank	VERB
ajssms-1649	312	22	business	business	NOUN
ajssms-1649	312	23	but	but	CCONJ
ajssms-1649	312	24	other	other	ADJ
ajssms-1649	312	25	businesses	business	NOUN
ajssms-1649	312	26	to	to	PART
ajssms-1649	312	27	strive	strive	VERB
ajssms-1649	312	28	in	in	ADP
ajssms-1649	312	29	the	the	DET
ajssms-1649	312	30	country	country	NOUN
ajssms-1649	312	31	/	/	SYM
ajssms-1649	312	32	economy	economy	NOUN
ajssms-1649	312	33	.	.	PUNCT
ajssms-1649	313	1	ii	ii	PROPN
ajssms-1649	313	2	.	.	PUNCT
ajssms-1649	314	1	the	the	DET
ajssms-1649	314	2	monetary	monetary	ADJ
ajssms-1649	314	3	authority	authority	NOUN
ajssms-1649	314	4	as	as	ADP
ajssms-1649	314	5	a	a	DET
ajssms-1649	314	6	prudential	prudential	ADJ
ajssms-1649	314	7	regulator	regulator	NOUN
ajssms-1649	314	8	should	should	AUX
ajssms-1649	314	9	monitor	monitor	VERB
ajssms-1649	314	10	the	the	DET
ajssms-1649	314	11	banks	bank	NOUN
ajssms-1649	314	12	compliance	compliance	NOUN
ajssms-1649	314	13	to	to	ADP
ajssms-1649	314	14	the	the	DET
ajssms-1649	314	15	provisions	provision	NOUN
ajssms-1649	314	16	of	of	ADP
ajssms-1649	314	17	the	the	DET
ajssms-1649	314	18	basel	basel	PROPN
ajssms-1649	314	19	capital	capital	PROPN
ajssms-1649	314	20	accords	accords	PROPN
ajssms-1649	314	21	.	.	PUNCT
ajssms-1649	315	1	iii	iii	X
ajssms-1649	315	2	.	.	PUNCT
ajssms-1649	316	1	banks	bank	NOUN
ajssms-1649	316	2	should	should	AUX
ajssms-1649	316	3	maintain	maintain	VERB
ajssms-1649	316	4	both	both	DET
ajssms-1649	316	5	conservation	conservation	NOUN
ajssms-1649	316	6	buffer	buffer	NOUN
ajssms-1649	316	7	(	(	PUNCT
ajssms-1649	316	8	csb	csb	PROPN
ajssms-1649	316	9	)	)	PUNCT
ajssms-1649	316	10	and	and	CCONJ
ajssms-1649	316	11	counter	counter	ADJ
ajssms-1649	316	12	-	-	ADJ
ajssms-1649	316	13	cyclical	cyclical	ADJ
ajssms-1649	316	14	buffer	buffer	NOUN
ajssms-1649	316	15	(	(	PUNCT
ajssms-1649	316	16	ccb	ccb	PROPN
ajssms-1649	316	17	)	)	PUNCT
ajssms-1649	316	18	with	with	ADP
ajssms-1649	316	19	the	the	DET
ajssms-1649	316	20	view	view	NOUN
ajssms-1649	316	21	to	to	ADP
ajssms-1649	316	22	absorbing	absorb	VERB
ajssms-1649	316	23	emerging	emerge	VERB
ajssms-1649	316	24	shocks	shock	NOUN
ajssms-1649	316	25	from	from	ADP
ajssms-1649	316	26	loan	loan	NOUN
ajssms-1649	316	27	losses	loss	NOUN
ajssms-1649	316	28	.	.	PUNCT
ajssms-1649	317	1	asian	asian	ADJ
ajssms-1649	317	2	journal	journal	NOUN
ajssms-1649	317	3	of	of	ADP
ajssms-1649	317	4	social	social	ADJ
ajssms-1649	317	5	sciences	sciences	PROPN
ajssms-1649	317	6	and	and	CCONJ
ajssms-1649	317	7	management	management	NOUN
ajssms-1649	317	8	studies	study	NOUN
ajssms-1649	317	9	,	,	PUNCT
ajssms-1649	317	10	2020	2020	NUM
ajssms-1649	317	11	,	,	PUNCT
ajssms-1649	317	12	7(2	7(2	NUM
ajssms-1649	317	13	):	):	PUNCT
ajssms-1649	317	14	124	124	NUM
ajssms-1649	317	15	-	-	SYM
ajssms-1649	317	16	134	134	NUM
ajssms-1649	317	17	133	133	NUM
ajssms-1649	317	18	©	©	PROPN
ajssms-1649	317	19	2020	2020	NUM
ajssms-1649	317	20	by	by	ADP
ajssms-1649	317	21	the	the	DET
ajssms-1649	317	22	authors	author	NOUN
ajssms-1649	317	23	;	;	PUNCT
ajssms-1649	317	24	licensee	licensee	PROPN
ajssms-1649	317	25	asian	asian	ADJ
ajssms-1649	317	26	online	online	PROPN
ajssms-1649	317	27	journal	journal	PROPN
ajssms-1649	317	28	publishing	publishing	PROPN
ajssms-1649	317	29	group	group	PROPN
ajssms-1649	317	30	references	reference	NOUN
ajssms-1649	317	31	adewumi	adewumi	PROPN
ajssms-1649	317	32	,	,	PUNCT
ajssms-1649	317	33	w.	w.	PROPN
ajssms-1649	317	34	(	(	PUNCT
ajssms-1649	317	35	1997	1997	NUM
ajssms-1649	317	36	)	)	PUNCT
ajssms-1649	317	37	.	.	PUNCT
ajssms-1649	318	1	the	the	DET
ajssms-1649	318	2	500	500	NUM
ajssms-1649	318	3	million	million	NUM
ajssms-1649	318	4	minimum	minimum	ADJ
ajssms-1649	318	5	paid	pay	VERB
ajssms-1649	318	6	-	-	PUNCT
ajssms-1649	318	7	up	up	ADP
ajssms-1649	318	8	capital	capital	NOUN
ajssms-1649	318	9	for	for	ADP
ajssms-1649	318	10	banks	bank	NOUN
ajssms-1649	318	11	.	.	PUNCT
ajssms-1649	319	1	the	the	DET
ajssms-1649	319	2	nigerian	nigerian	ADJ
ajssms-1649	319	3	banker	banker	NOUN
ajssms-1649	319	4	,	,	PUNCT
ajssms-1649	319	5	1(1	1(1	NUM
ajssms-1649	319	6	)	)	PUNCT
ajssms-1649	319	7	,	,	PUNCT
ajssms-1649	319	8	25	25	NUM
ajssms-1649	319	9	-	-	SYM
ajssms-1649	319	10	29	29	NUM
ajssms-1649	319	11	.	.	PUNCT
ajssms-1649	320	1	admati	admati	PROPN
ajssms-1649	320	2	,	,	PUNCT
ajssms-1649	320	3	a.	a.	PROPN
ajssms-1649	320	4	r.	r.	PROPN
ajssms-1649	320	5	,	,	PUNCT
ajssms-1649	320	6	demarzo	demarzo	NOUN
ajssms-1649	320	7	,	,	PUNCT
ajssms-1649	320	8	p.	p.	NOUN
ajssms-1649	320	9	m.	m.	NOUN
ajssms-1649	320	10	,	,	PUNCT
ajssms-1649	320	11	hellwig	hellwig	PROPN
ajssms-1649	320	12	,	,	PUNCT
ajssms-1649	320	13	m.	m.	PROPN
ajssms-1649	320	14	f.	f.	PROPN
ajssms-1649	320	15	,	,	PUNCT
ajssms-1649	320	16	&	&	CCONJ
ajssms-1649	320	17	pfleiderer	pfleiderer	PROPN
ajssms-1649	320	18	,	,	PUNCT
ajssms-1649	320	19	p.	p.	PROPN
ajssms-1649	320	20	c.	c.	PROPN
ajssms-1649	320	21	(	(	PUNCT
ajssms-1649	320	22	2010	2010	NUM
ajssms-1649	320	23	)	)	PUNCT
ajssms-1649	320	24	.	.	PUNCT
ajssms-1649	321	1	fallacies	fallacy	NOUN
ajssms-1649	321	2	,	,	PUNCT
ajssms-1649	321	3	irrelevant	irrelevant	ADJ
ajssms-1649	321	4	facts	fact	NOUN
ajssms-1649	321	5	and	and	CCONJ
ajssms-1649	321	6	myths	myth	NOUN
ajssms-1649	321	7	in	in	ADP
ajssms-1649	321	8	the	the	DET
ajssms-1649	321	9	discussion	discussion	NOUN
ajssms-1649	321	10	of	of	ADP
ajssms-1649	321	11	capital	capital	NOUN
ajssms-1649	321	12	regulation	regulation	NOUN
ajssms-1649	321	13	:	:	PUNCT
ajssms-1649	321	14	why	why	SCONJ
ajssms-1649	321	15	bank	bank	NOUN
ajssms-1649	321	16	equity	equity	NOUN
ajssms-1649	321	17	is	be	AUX
ajssms-1649	321	18	not	not	PART
ajssms-1649	321	19	expensive	expensive	ADJ
ajssms-1649	321	20	.	.	PUNCT
ajssms-1649	322	1	stanford	stanford	PROPN
ajssms-1649	322	2	gsb	gsb	PROPN
ajssms-1649	322	3	research	research	PROPN
ajssms-1649	322	4	paper	paper	NOUN
ajssms-1649	322	5	no	no	INTJ
ajssms-1649	322	6	.	.	PROPN
ajssms-1649	322	7	2065	2065	NUM
ajssms-1649	322	8	.	.	PUNCT
ajssms-1649	323	1	aiyar	aiyar	PROPN
ajssms-1649	323	2	,	,	PUNCT
ajssms-1649	323	3	s.	s.	PROPN
ajssms-1649	323	4	,	,	PUNCT
ajssms-1649	323	5	charles	charles	PROPN
ajssms-1649	323	6	,	,	PUNCT
ajssms-1649	323	7	c.	c.	PROPN
ajssms-1649	323	8	,	,	PUNCT
ajssms-1649	323	9	john	john	PROPN
ajssms-1649	323	10	,	,	PUNCT
ajssms-1649	323	11	h.	h.	PROPN
ajssms-1649	323	12	,	,	PUNCT
ajssms-1649	323	13	yevgeniya	yevgeniya	PROPN
ajssms-1649	323	14	,	,	PUNCT
ajssms-1649	323	15	k.	k.	PROPN
ajssms-1649	323	16	,	,	PUNCT
ajssms-1649	323	17	&	&	CCONJ
ajssms-1649	323	18	tomasz	tomasz	PROPN
ajssms-1649	323	19	,	,	PUNCT
ajssms-1649	323	20	w.	w.	PROPN
ajssms-1649	323	21	(	(	PUNCT
ajssms-1649	323	22	2014a	2014a	NUM
ajssms-1649	323	23	)	)	PUNCT
ajssms-1649	323	24	.	.	PUNCT
ajssms-1649	324	1	the	the	DET
ajssms-1649	324	2	international	international	ADJ
ajssms-1649	324	3	transmission	transmission	NOUN
ajssms-1649	324	4	of	of	ADP
ajssms-1649	324	5	bank	bank	NOUN
ajssms-1649	324	6	capital	capital	NOUN
ajssms-1649	324	7	requirements	requirement	NOUN
ajssms-1649	324	8	:	:	PUNCT
ajssms-1649	324	9	evidence	evidence	NOUN
ajssms-1649	324	10	from	from	ADP
ajssms-1649	324	11	the	the	DET
ajssms-1649	324	12	united	united	ADJ
ajssms-1649	324	13	kingdom	kingdom	PROPN
ajssms-1649	324	14	.	.	PUNCT
ajssms-1649	325	1	bank	bank	PROPN
ajssms-1649	325	2	of	of	ADP
ajssms-1649	325	3	england	england	PROPN
ajssms-1649	325	4	working	working	PROPN
ajssms-1649	325	5	paper	paper	NOUN
ajssms-1649	325	6	no	no	DET
ajssms-1649	325	7	497	497	NUM
ajssms-1649	325	8	.	.	PUNCT
ajssms-1649	326	1	aiyar	aiyar	PROPN
ajssms-1649	326	2	,	,	PUNCT
ajssms-1649	326	3	s.	s.	PROPN
ajssms-1649	326	4	,	,	PUNCT
ajssms-1649	326	5	charles	charles	PROPN
ajssms-1649	326	6	,	,	PUNCT
ajssms-1649	326	7	c.	c.	PROPN
ajssms-1649	326	8	,	,	PUNCT
ajssms-1649	326	9	&	&	CCONJ
ajssms-1649	326	10	tomasz	tomasz	PROPN
ajssms-1649	326	11	,	,	PUNCT
ajssms-1649	326	12	w.	w.	PROPN
ajssms-1649	326	13	(	(	PUNCT
ajssms-1649	326	14	2014b	2014b	NUM
ajssms-1649	326	15	)	)	PUNCT
ajssms-1649	326	16	.	.	PUNCT
ajssms-1649	327	1	does	do	VERB
ajssms-1649	327	2	macroprudential	macroprudential	ADJ
ajssms-1649	327	3	leak	leak	NOUN
ajssms-1649	327	4	?	?	PUNCT
ajssms-1649	328	1	evidence	evidence	NOUN
ajssms-1649	328	2	from	from	ADP
ajssms-1649	328	3	a	a	DET
ajssms-1649	328	4	uk	uk	PROPN
ajssms-1649	328	5	policy	policy	NOUN
ajssms-1649	328	6	experiment	experiment	NOUN
ajssms-1649	328	7	.	.	PUNCT
ajssms-1649	329	1	journal	journal	NOUN
ajssms-1649	329	2	of	of	ADP
ajssms-1649	329	3	money	money	NOUN
ajssms-1649	329	4	,	,	PUNCT
ajssms-1649	329	5	credit	credit	NOUN
ajssms-1649	329	6	and	and	CCONJ
ajssms-1649	329	7	banking	banking	NOUN
ajssms-1649	329	8	,	,	PUNCT
ajssms-1649	329	9	46(4	46(4	NOUN
ajssms-1649	329	10	)	)	PUNCT
ajssms-1649	329	11	,	,	PUNCT
ajssms-1649	329	12	181	181	NUM
ajssms-1649	329	13	-	-	SYM
ajssms-1649	329	14	214	214	NUM
ajssms-1649	329	15	.	.	PUNCT
ajssms-1649	330	1	aiyar	aiyar	PROPN
ajssms-1649	330	2	.	.	PUNCT
ajssms-1649	330	3	,	,	PUNCT
ajssms-1649	331	1	s.	s.	PROPN
ajssms-1649	331	2	,	,	PUNCT
ajssms-1649	331	3	charles	charles	PROPN
ajssms-1649	331	4	,	,	PUNCT
ajssms-1649	331	5	c.	c.	PROPN
ajssms-1649	331	6	,	,	PUNCT
ajssms-1649	331	7	&	&	CCONJ
ajssms-1649	331	8	tomasz	tomasz	PROPN
ajssms-1649	331	9	,	,	PUNCT
ajssms-1649	331	10	w.	w.	PROPN
ajssms-1649	331	11	(	(	PUNCT
ajssms-1649	331	12	2014c	2014c	NUM
ajssms-1649	331	13	)	)	PUNCT
ajssms-1649	331	14	.	.	PUNCT
ajssms-1649	332	1	how	how	SCONJ
ajssms-1649	332	2	does	do	AUX
ajssms-1649	332	3	credit	credit	NOUN
ajssms-1649	332	4	supply	supply	NOUN
ajssms-1649	332	5	respond	respond	VERB
ajssms-1649	332	6	to	to	ADP
ajssms-1649	332	7	monetary	monetary	ADJ
ajssms-1649	332	8	policy	policy	NOUN
ajssms-1649	332	9	and	and	CCONJ
ajssms-1649	332	10	bank	bank	NOUN
ajssms-1649	332	11	minimum	minimum	ADJ
ajssms-1649	332	12	capital	capital	NOUN
ajssms-1649	332	13	requirements	requirement	NOUN
ajssms-1649	332	14	?	?	PUNCT
ajssms-1649	333	1	bank	bank	PROPN
ajssms-1649	333	2	of	of	ADP
ajssms-1649	333	3	england	england	PROPN
ajssms-1649	333	4	working	working	PROPN
ajssms-1649	333	5	paper	paper	NOUN
ajssms-1649	333	6	no	no	DET
ajssms-1649	333	7	508	508	NUM
ajssms-1649	333	8	.	.	PUNCT
ajssms-1649	334	1	albertazzi	albertazzi	NOUN
ajssms-1649	334	2	,	,	PUNCT
ajssms-1649	334	3	u.	u.	PROPN
ajssms-1649	334	4	,	,	PUNCT
ajssms-1649	334	5	&	&	CCONJ
ajssms-1649	334	6	marchetti	marchetti	PROPN
ajssms-1649	334	7	,	,	PUNCT
ajssms-1649	334	8	j.	j.	PROPN
ajssms-1649	334	9	d.	d.	PROPN
ajssms-1649	334	10	(	(	PUNCT
ajssms-1649	334	11	2010	2010	NUM
ajssms-1649	334	12	)	)	PUNCT
ajssms-1649	334	13	.	.	PUNCT
ajssms-1649	335	1	credit	credit	NOUN
ajssms-1649	335	2	supply	supply	NOUN
ajssms-1649	335	3	,	,	PUNCT
ajssms-1649	335	4	flight	flight	NOUN
ajssms-1649	335	5	to	to	ADP
ajssms-1649	335	6	quality	quality	NOUN
ajssms-1649	335	7	and	and	CCONJ
ajssms-1649	335	8	ever	ever	ADV
ajssms-1649	335	9	greening	greening	NOUN
ajssms-1649	335	10	:	:	PUNCT
ajssms-1649	335	11	an	an	DET
ajssms-1649	335	12	analysis	analysis	NOUN
ajssms-1649	335	13	of	of	ADP
ajssms-1649	335	14	bank	bank	NOUN
ajssms-1649	335	15	-	-	PUNCT
ajssms-1649	335	16	firm	firm	NOUN
ajssms-1649	335	17	relationships	relationship	NOUN
ajssms-1649	335	18	after	after	ADP
ajssms-1649	335	19	lehman	lehman	PROPN
ajssms-1649	335	20	.	.	PUNCT
ajssms-1649	336	1	banca	banca	PROPN
ajssms-1649	336	2	d’italia	d’italia	VERB
ajssms-1649	336	3	working	working	NOUN
ajssms-1649	336	4	paper	paper	NOUN
ajssms-1649	336	5	no.756	no.756	PROPN
ajssms-1649	336	6	.	.	PUNCT
ajssms-1649	337	1	aliero	aliero	PROPN
ajssms-1649	337	2	,	,	PUNCT
ajssms-1649	337	3	h.	h.	PROPN
ajssms-1649	337	4	m.	m.	PROPN
ajssms-1649	337	5	,	,	PUNCT
ajssms-1649	337	6	abdullahi	abdullahi	PROPN
ajssms-1649	337	7	,	,	PUNCT
ajssms-1649	337	8	y.	y.	PROPN
ajssms-1649	337	9	z.	z.	PROPN
ajssms-1649	337	10	,	,	PUNCT
ajssms-1649	337	11	&	&	CCONJ
ajssms-1649	337	12	adamu	adamu	PROPN
ajssms-1649	337	13	,	,	PUNCT
ajssms-1649	337	14	n.	n.	PROPN
ajssms-1649	337	15	(	(	PUNCT
ajssms-1649	337	16	2013	2013	NUM
ajssms-1649	337	17	)	)	PUNCT
ajssms-1649	337	18	.	.	PUNCT
ajssms-1649	338	1	private	private	ADJ
ajssms-1649	338	2	sector	sector	NOUN
ajssms-1649	338	3	credit	credit	NOUN
ajssms-1649	338	4	and	and	CCONJ
ajssms-1649	338	5	economic	economic	ADJ
ajssms-1649	338	6	growth	growth	NOUN
ajssms-1649	338	7	nexus	nexus	NOUN
ajssms-1649	338	8	in	in	ADP
ajssms-1649	338	9	nigeria	nigeria	PROPN
ajssms-1649	338	10	:	:	PUNCT
ajssms-1649	338	11	an	an	DET
ajssms-1649	338	12	ardl	ardl	NOUN
ajssms-1649	338	13	bound	bind	VERB
ajssms-1649	338	14	approach	approach	NOUN
ajssms-1649	338	15	.	.	PUNCT
ajssms-1649	339	1	mediterranean	mediterranean	PROPN
ajssms-1649	339	2	journal	journal	PROPN
ajssms-1649	339	3	of	of	ADP
ajssms-1649	339	4	social	social	ADJ
ajssms-1649	339	5	science	science	NOUN
ajssms-1649	339	6	,	,	PUNCT
ajssms-1649	339	7	4(1	4(1	NOUN
ajssms-1649	339	8	)	)	PUNCT
ajssms-1649	339	9	,	,	PUNCT
ajssms-1649	339	10	83	83	NUM
ajssms-1649	339	11	-	-	SYM
ajssms-1649	339	12	90	90	NUM
ajssms-1649	339	13	.	.	PUNCT
ajssms-1649	340	1	altman	altman	PROPN
ajssms-1649	340	2	,	,	PUNCT
ajssms-1649	340	3	e.	e.	PROPN
ajssms-1649	340	4	i.	i.	PROPN
ajssms-1649	340	5	,	,	PUNCT
ajssms-1649	340	6	bharath	bharath	PROPN
ajssms-1649	340	7	,	,	PUNCT
ajssms-1649	340	8	s.	s.	PROPN
ajssms-1649	340	9	t.	t.	PROPN
ajssms-1649	340	10	,	,	PUNCT
ajssms-1649	340	11	&	&	CCONJ
ajssms-1649	340	12	saunders	saunders	PROPN
ajssms-1649	340	13	,	,	PUNCT
ajssms-1649	340	14	a.	a.	NOUN
ajssms-1649	340	15	(	(	PUNCT
ajssms-1649	340	16	2002	2002	NUM
ajssms-1649	340	17	)	)	PUNCT
ajssms-1649	340	18	.	.	PUNCT
ajssms-1649	341	1	credit	credit	NOUN
ajssms-1649	341	2	ratings	rating	NOUN
ajssms-1649	341	3	and	and	CCONJ
ajssms-1649	341	4	the	the	DET
ajssms-1649	341	5	bis	bis	ADJ
ajssms-1649	341	6	capital	capital	NOUN
ajssms-1649	341	7	adequacy	adequacy	PROPN
ajssms-1649	341	8	reform	reform	NOUN
ajssms-1649	341	9	agenda	agenda	NOUN
ajssms-1649	341	10	.	.	PUNCT
ajssms-1649	342	1	journal	journal	NOUN
ajssms-1649	342	2	of	of	ADP
ajssms-1649	342	3	banking	banking	NOUN
ajssms-1649	342	4	&	&	CCONJ
ajssms-1649	342	5	finance	finance	PROPN
ajssms-1649	342	6	,	,	PUNCT
ajssms-1649	342	7	26(5	26(5	NUM
ajssms-1649	342	8	)	)	PUNCT
ajssms-1649	342	9	,	,	PUNCT
ajssms-1649	342	10	909-921.available	909-921.available	NUM
ajssms-1649	342	11	at	at	ADP
ajssms-1649	342	12	:	:	PUNCT
ajssms-1649	342	13	https://doi.org/10.1016/s0378-4266(01)00269-2	https://doi.org/10.1016/s0378-4266(01)00269-2	PROPN
ajssms-1649	342	14	.	.	PUNCT
ajssms-1649	343	1	baker	baker	PROPN
ajssms-1649	343	2	,	,	PUNCT
ajssms-1649	343	3	m.	m.	NOUN
ajssms-1649	343	4	,	,	PUNCT
ajssms-1649	343	5	&	&	CCONJ
ajssms-1649	343	6	wurgler	wurgler	PROPN
ajssms-1649	343	7	,	,	PUNCT
ajssms-1649	343	8	j.	j.	PROPN
ajssms-1649	343	9	(	(	PUNCT
ajssms-1649	343	10	2013	2013	NUM
ajssms-1649	343	11	)	)	PUNCT
ajssms-1649	343	12	.	.	PUNCT
ajssms-1649	344	1	do	do	AUX
ajssms-1649	344	2	strict	strict	ADJ
ajssms-1649	344	3	capital	capital	NOUN
ajssms-1649	344	4	requirements	requirement	NOUN
ajssms-1649	344	5	raise	raise	VERB
ajssms-1649	344	6	the	the	DET
ajssms-1649	344	7	cost	cost	NOUN
ajssms-1649	344	8	of	of	ADP
ajssms-1649	344	9	capital	capital	NOUN
ajssms-1649	344	10	?	?	PUNCT
ajssms-1649	345	1	banking	banking	NOUN
ajssms-1649	345	2	regulation	regulation	NOUN
ajssms-1649	345	3	and	and	CCONJ
ajssms-1649	345	4	the	the	DET
ajssms-1649	345	5	low	low	ADJ
ajssms-1649	345	6	risk	risk	NOUN
ajssms-1649	345	7	anomaly	anomaly	NOUN
ajssms-1649	345	8	.	.	PUNCT
ajssms-1649	346	1	nber	nber	PROPN
ajssms-1649	346	2	working	working	PROPN
ajssms-1649	346	3	paper	paper	PROPN
ajssms-1649	346	4	no	no	INTJ
ajssms-1649	346	5	.	.	PROPN
ajssms-1649	347	1	19018	19018	NUM
ajssms-1649	347	2	.	.	PUNCT
ajssms-1649	348	1	barth	barth	PROPN
ajssms-1649	348	2	,	,	PUNCT
ajssms-1649	348	3	j.	j.	PROPN
ajssms-1649	348	4	r.	r.	PROPN
ajssms-1649	348	5	,	,	PUNCT
ajssms-1649	348	6	caprio	caprio	PROPN
ajssms-1649	348	7	,	,	PUNCT
ajssms-1649	348	8	g.	g.	PROPN
ajssms-1649	348	9	,	,	PUNCT
ajssms-1649	348	10	&	&	CCONJ
ajssms-1649	348	11	levine	levine	PROPN
ajssms-1649	348	12	,	,	PUNCT
ajssms-1649	348	13	r.	r.	PROPN
ajssms-1649	348	14	(	(	PUNCT
ajssms-1649	348	15	2006	2006	NUM
ajssms-1649	348	16	)	)	PUNCT
ajssms-1649	348	17	.	.	PUNCT
ajssms-1649	349	1	banking	banking	NOUN
ajssms-1649	349	2	regulation	regulation	NOUN
ajssms-1649	349	3	and	and	CCONJ
ajssms-1649	349	4	supervision	supervision	NOUN
ajssms-1649	349	5	:	:	PUNCT
ajssms-1649	349	6	what	what	PRON
ajssms-1649	349	7	works	work	VERB
ajssms-1649	349	8	best	well	ADV
ajssms-1649	349	9	?	?	PUNCT
ajssms-1649	350	1	journal	journal	NOUN
ajssms-1649	350	2	of	of	ADP
ajssms-1649	350	3	financial	financial	ADJ
ajssms-1649	350	4	intermediation	intermediation	NOUN
ajssms-1649	350	5	,	,	PUNCT
ajssms-1649	350	6	13(3	13(3	NUM
ajssms-1649	350	7	)	)	PUNCT
ajssms-1649	350	8	,	,	PUNCT
ajssms-1649	350	9	205	205	NUM
ajssms-1649	350	10	-	-	SYM
ajssms-1649	350	11	248	248	NUM
ajssms-1649	350	12	.	.	PUNCT
ajssms-1649	351	1	bcbs	bcbs	PROPN
ajssms-1649	351	2	[	[	X
ajssms-1649	351	3	basel	basel	PROPN
ajssms-1649	351	4	committee	committee	PROPN
ajssms-1649	351	5	on	on	ADP
ajssms-1649	351	6	banking	banking	NOUN
ajssms-1649	351	7	supervision	supervision	NOUN
ajssms-1649	351	8	]	]	PUNCT
ajssms-1649	351	9	.	.	PUNCT
ajssms-1649	352	1	(	(	PUNCT
ajssms-1649	352	2	1999	1999	NUM
ajssms-1649	352	3	)	)	PUNCT
ajssms-1649	352	4	.	.	PUNCT
ajssms-1649	353	1	capital	capital	NOUN
ajssms-1649	353	2	requirements	requirement	NOUN
ajssms-1649	353	3	and	and	CCONJ
ajssms-1649	353	4	bank	bank	NOUN
ajssms-1649	353	5	behavior	behavior	NOUN
ajssms-1649	353	6	:	:	PUNCT
ajssms-1649	353	7	the	the	DET
ajssms-1649	353	8	impact	impact	NOUN
ajssms-1649	353	9	of	of	ADP
ajssms-1649	353	10	the	the	DET
ajssms-1649	353	11	basel	basel	PROPN
ajssms-1649	353	12	accord	accord	NOUN
ajssms-1649	353	13	.	.	PUNCT
ajssms-1649	354	1	bcbs	bcbs	PROPN
ajssms-1649	354	2	working	work	VERB
ajssms-1649	354	3	papers	paper	NOUN
ajssms-1649	354	4	no.1	no.1	X
ajssms-1649	354	5	.	.	PUNCT
ajssms-1649	355	1	beltratti	beltratti	PROPN
ajssms-1649	355	2	,	,	PUNCT
ajssms-1649	355	3	a.	a.	PROPN
ajssms-1649	355	4	,	,	PUNCT
ajssms-1649	355	5	&	&	CCONJ
ajssms-1649	355	6	stulz	stulz	ADJ
ajssms-1649	355	7	,	,	PUNCT
ajssms-1649	355	8	r.	r.	PROPN
ajssms-1649	355	9	m.	m.	PROPN
ajssms-1649	355	10	(	(	PUNCT
ajssms-1649	355	11	2012	2012	NUM
ajssms-1649	355	12	)	)	PUNCT
ajssms-1649	355	13	.	.	PUNCT
ajssms-1649	356	1	the	the	DET
ajssms-1649	356	2	credit	credit	NOUN
ajssms-1649	356	3	crisis	crisis	NOUN
ajssms-1649	356	4	around	around	ADP
ajssms-1649	356	5	the	the	DET
ajssms-1649	356	6	globe	globe	NOUN
ajssms-1649	356	7	:	:	PUNCT
ajssms-1649	356	8	why	why	SCONJ
ajssms-1649	356	9	did	do	AUX
ajssms-1649	356	10	some	some	DET
ajssms-1649	356	11	banks	bank	NOUN
ajssms-1649	356	12	perform	perform	VERB
ajssms-1649	356	13	better	well	ADV
ajssms-1649	356	14	?	?	PUNCT
ajssms-1649	357	1	journal	journal	NOUN
ajssms-1649	357	2	of	of	ADP
ajssms-1649	357	3	financial	financial	ADJ
ajssms-1649	357	4	economics	economic	NOUN
ajssms-1649	357	5	,	,	PUNCT
ajssms-1649	357	6	105(1	105(1	NUM
ajssms-1649	357	7	)	)	PUNCT
ajssms-1649	357	8	,	,	PUNCT
ajssms-1649	357	9	1-17.available	1-17.available	NUM
ajssms-1649	357	10	at	at	ADP
ajssms-1649	357	11	:	:	PUNCT
ajssms-1649	357	12	https://doi.org/10.1016/j.jfineco.2011.12.005	https://doi.org/10.1016/j.jfineco.2011.12.005	PROPN
ajssms-1649	357	13	.	.	PUNCT
ajssms-1649	358	1	berger	berger	PROPN
ajssms-1649	358	2	,	,	PUNCT
ajssms-1649	358	3	a.	a.	PROPN
ajssms-1649	358	4	n.	n.	PROPN
ajssms-1649	358	5	,	,	PUNCT
ajssms-1649	358	6	&	&	CCONJ
ajssms-1649	358	7	bouwman	bouwman	PROPN
ajssms-1649	358	8	,	,	PUNCT
ajssms-1649	358	9	c.	c.	PROPN
ajssms-1649	358	10	h.	h.	PROPN
ajssms-1649	358	11	(	(	PUNCT
ajssms-1649	358	12	2013	2013	NUM
ajssms-1649	358	13	)	)	PUNCT
ajssms-1649	358	14	.	.	PUNCT
ajssms-1649	359	1	how	how	SCONJ
ajssms-1649	359	2	does	do	AUX
ajssms-1649	359	3	capital	capital	NOUN
ajssms-1649	359	4	affect	affect	VERB
ajssms-1649	359	5	bank	bank	NOUN
ajssms-1649	359	6	performance	performance	NOUN
ajssms-1649	359	7	during	during	ADP
ajssms-1649	359	8	financial	financial	ADJ
ajssms-1649	359	9	crises	crisis	NOUN
ajssms-1649	359	10	?	?	PUNCT
ajssms-1649	360	1	journal	journal	NOUN
ajssms-1649	360	2	of	of	ADP
ajssms-1649	360	3	financial	financial	ADJ
ajssms-1649	360	4	economics	economic	NOUN
ajssms-1649	360	5	,	,	PUNCT
ajssms-1649	360	6	109(1	109(1	NUM
ajssms-1649	360	7	)	)	PUNCT
ajssms-1649	360	8	,	,	PUNCT
ajssms-1649	360	9	146-176.available	146-176.available	NUM
ajssms-1649	360	10	at	at	ADP
ajssms-1649	360	11	:	:	PUNCT
ajssms-1649	360	12	https://doi.org/10.1016/j.jfineco.2013.02.008	https://doi.org/10.1016/j.jfineco.2013.02.008	PROPN
ajssms-1649	360	13	.	.	PUNCT
ajssms-1649	361	1	berger	berger	PROPN
ajssms-1649	361	2	,	,	PUNCT
ajssms-1649	361	3	a.	a.	PROPN
ajssms-1649	361	4	n.	n.	PROPN
ajssms-1649	361	5	,	,	PUNCT
ajssms-1649	361	6	herring	herring	PROPN
ajssms-1649	361	7	,	,	PUNCT
ajssms-1649	361	8	r.	r.	PROPN
ajssms-1649	361	9	j.	j.	PROPN
ajssms-1649	361	10	,	,	PUNCT
ajssms-1649	361	11	&	&	CCONJ
ajssms-1649	361	12	szegö	szegö	PROPN
ajssms-1649	361	13	,	,	PUNCT
ajssms-1649	361	14	g.	g.	PROPN
ajssms-1649	361	15	p.	p.	PROPN
ajssms-1649	361	16	(	(	PUNCT
ajssms-1649	361	17	1995	1995	NUM
ajssms-1649	361	18	)	)	PUNCT
ajssms-1649	361	19	.	.	PUNCT
ajssms-1649	362	1	the	the	DET
ajssms-1649	362	2	role	role	NOUN
ajssms-1649	362	3	of	of	ADP
ajssms-1649	362	4	capital	capital	NOUN
ajssms-1649	362	5	in	in	ADP
ajssms-1649	362	6	financial	financial	ADJ
ajssms-1649	362	7	institutions	institution	NOUN
ajssms-1649	362	8	.	.	PUNCT
ajssms-1649	363	1	journal	journal	PROPN
ajssms-1649	363	2	of	of	ADP
ajssms-1649	363	3	banking	banking	NOUN
ajssms-1649	363	4	&	&	CCONJ
ajssms-1649	363	5	finance	finance	NOUN
ajssms-1649	363	6	,	,	PUNCT
ajssms-1649	363	7	19(3	19(3	NUM
ajssms-1649	363	8	-	-	SYM
ajssms-1649	363	9	4	4	NUM
ajssms-1649	363	10	)	)	PUNCT
ajssms-1649	363	11	,	,	PUNCT
ajssms-1649	363	12	393430	393430	NUM
ajssms-1649	363	13	.	.	PUNCT
ajssms-1649	364	1	berger	berger	PROPN
ajssms-1649	364	2	.	.	PROPN
ajssms-1649	364	3	,	,	PUNCT
ajssms-1649	364	4	a.	a.	PROPN
ajssms-1649	364	5	n.	n.	PROPN
ajssms-1649	364	6	,	,	PUNCT
ajssms-1649	364	7	&	&	CCONJ
ajssms-1649	364	8	udell	udell	PROPN
ajssms-1649	364	9	,	,	PUNCT
ajssms-1649	364	10	g.	g.	PROPN
ajssms-1649	364	11	f.	f.	PROPN
ajssms-1649	364	12	(	(	PUNCT
ajssms-1649	364	13	1994	1994	NUM
ajssms-1649	364	14	)	)	PUNCT
ajssms-1649	364	15	.	.	PUNCT
ajssms-1649	365	1	did	do	VERB
ajssms-1649	365	2	risk	risk	NOUN
ajssms-1649	365	3	-	-	PUNCT
ajssms-1649	365	4	based	base	VERB
ajssms-1649	365	5	capital	capital	NOUN
ajssms-1649	365	6	allocate	allocate	NOUN
ajssms-1649	365	7	bank	bank	PROPN
ajssms-1649	365	8	credit	credit	NOUN
ajssms-1649	365	9	and	and	CCONJ
ajssms-1649	365	10	cause	cause	VERB
ajssms-1649	365	11	a	a	DET
ajssms-1649	365	12	"	"	PUNCT
ajssms-1649	365	13	credit	credit	NOUN
ajssms-1649	365	14	crunch	crunch	NOUN
ajssms-1649	365	15	"	"	PUNCT
ajssms-1649	365	16	in	in	ADP
ajssms-1649	365	17	the	the	DET
ajssms-1649	365	18	united	united	PROPN
ajssms-1649	365	19	states	states	PROPN
ajssms-1649	365	20	?	?	PUNCT
ajssms-1649	366	1	journal	journal	NOUN
ajssms-1649	366	2	of	of	ADP
ajssms-1649	366	3	money	money	NOUN
ajssms-1649	366	4	,	,	PUNCT
ajssms-1649	366	5	credit	credit	NOUN
ajssms-1649	366	6	and	and	CCONJ
ajssms-1649	366	7	banking	banking	NOUN
ajssms-1649	366	8	,	,	PUNCT
ajssms-1649	366	9	26(3	26(3	NUM
ajssms-1649	366	10	)	)	PUNCT
ajssms-1649	366	11	,	,	PUNCT
ajssms-1649	366	12	585-628.available	585-628.available	NUM
ajssms-1649	366	13	at	at	ADP
ajssms-1649	366	14	:	:	PUNCT
ajssms-1649	366	15	https://doi.org/10.2307/2077994	https://doi.org/10.2307/2077994	ADJ
ajssms-1649	366	16	.	.	PUNCT
ajssms-1649	367	1	bernanke	bernanke	PROPN
ajssms-1649	367	2	,	,	PUNCT
ajssms-1649	367	3	b.	b.	PROPN
ajssms-1649	367	4	s.	s.	PROPN
ajssms-1649	367	5	,	,	PUNCT
ajssms-1649	367	6	&	&	CCONJ
ajssms-1649	367	7	blinder	blinder	PROPN
ajssms-1649	367	8	,	,	PUNCT
ajssms-1649	367	9	a.	a.	PROPN
ajssms-1649	367	10	s.	s.	PROPN
ajssms-1649	367	11	(	(	PUNCT
ajssms-1649	367	12	1988	1988	NUM
ajssms-1649	367	13	)	)	PUNCT
ajssms-1649	367	14	.	.	PUNCT
ajssms-1649	368	1	is	be	AUX
ajssms-1649	368	2	it	it	PRON
ajssms-1649	368	3	money	money	NOUN
ajssms-1649	368	4	or	or	CCONJ
ajssms-1649	368	5	credit	credit	NOUN
ajssms-1649	368	6	,	,	PUNCT
ajssms-1649	368	7	or	or	CCONJ
ajssms-1649	368	8	both	both	PRON
ajssms-1649	368	9	,	,	PUNCT
ajssms-1649	368	10	or	or	CCONJ
ajssms-1649	368	11	neither	neither	PRON
ajssms-1649	368	12	.	.	PUNCT
ajssms-1649	369	1	american	american	PROPN
ajssms-1649	369	2	economic	economic	PROPN
ajssms-1649	369	3	review	review	PROPN
ajssms-1649	369	4	,	,	PUNCT
ajssms-1649	369	5	78(2	78(2	PROPN
ajssms-1649	369	6	)	)	PUNCT
ajssms-1649	369	7	,	,	PUNCT
ajssms-1649	369	8	435	435	NUM
ajssms-1649	369	9	-	-	SYM
ajssms-1649	369	10	439	439	NUM
ajssms-1649	369	11	.	.	PUNCT
ajssms-1649	370	1	bernanke	bernanke	PROPN
ajssms-1649	370	2	.	.	PROPN
ajssms-1649	370	3	,	,	PUNCT
ajssms-1649	370	4	b.	b.	PROPN
ajssms-1649	370	5	s.	s.	PROPN
ajssms-1649	370	6	,	,	PUNCT
ajssms-1649	370	7	&	&	CCONJ
ajssms-1649	370	8	lown	lown	PROPN
ajssms-1649	370	9	,	,	PUNCT
ajssms-1649	370	10	c.	c.	PROPN
ajssms-1649	370	11	s.	s.	PROPN
ajssms-1649	370	12	(	(	PUNCT
ajssms-1649	370	13	1991	1991	NUM
ajssms-1649	370	14	)	)	PUNCT
ajssms-1649	370	15	.	.	PUNCT
ajssms-1649	371	1	the	the	DET
ajssms-1649	371	2	credit	credit	NOUN
ajssms-1649	371	3	crunch	crunch	NOUN
ajssms-1649	371	4	.	.	PUNCT
ajssms-1649	372	1	brookings	brookings	PROPN
ajssms-1649	372	2	papers	paper	NOUN
ajssms-1649	372	3	on	on	ADP
ajssms-1649	372	4	economic	economic	ADJ
ajssms-1649	372	5	activity	activity	NOUN
ajssms-1649	372	6	,	,	PUNCT
ajssms-1649	372	7	,	,	PUNCT
ajssms-1649	372	8	22(2	22(2	NUM
ajssms-1649	372	9	)	)	PUNCT
ajssms-1649	372	10	,	,	PUNCT
ajssms-1649	372	11	205	205	NUM
ajssms-1649	372	12	-	-	SYM
ajssms-1649	372	13	248	248	NUM
ajssms-1649	372	14	.	.	PUNCT
ajssms-1649	373	1	bhatta	bhatta	PROPN
ajssms-1649	373	2	,	,	PUNCT
ajssms-1649	373	3	g.	g.	PROPN
ajssms-1649	373	4	(	(	PUNCT
ajssms-1649	373	5	2015	2015	NUM
ajssms-1649	373	6	)	)	PUNCT
ajssms-1649	373	7	.	.	PUNCT
ajssms-1649	374	1	theoretical	theoretical	ADJ
ajssms-1649	374	2	paradigm	paradigm	NOUN
ajssms-1649	374	3	on	on	ADP
ajssms-1649	374	4	bank	bank	NOUN
ajssms-1649	374	5	capital	capital	NOUN
ajssms-1649	374	6	regulation	regulation	NOUN
ajssms-1649	374	7	and	and	CCONJ
ajssms-1649	374	8	its	its	PRON
ajssms-1649	374	9	impact	impact	NOUN
ajssms-1649	374	10	on	on	ADP
ajssms-1649	374	11	borrower	borrower	NOUN
ajssms-1649	374	12	behaviour	behaviour	NOUN
ajssms-1649	374	13	.	.	PUNCT
ajssms-1649	375	1	nrb	nrb	PROPN
ajssms-1649	375	2	working	working	PROPN
ajssms-1649	375	3	paper	paper	PROPN
ajssms-1649	375	4	no	no	INTJ
ajssms-1649	375	5	.	.	PROPN
ajssms-1649	375	6	30	30	NUM
ajssms-1649	375	7	.	.	PUNCT
ajssms-1649	376	1	bis	bis	PROPN
ajssms-1649	377	1	mag	mag	INTJ
ajssms-1649	377	2	(	(	PUNCT
ajssms-1649	377	3	macroeconomic	macroeconomic	ADJ
ajssms-1649	377	4	assessment	assessment	NOUN
ajssms-1649	377	5	group	group	NOUN
ajssms-1649	377	6	)	)	PUNCT
ajssms-1649	377	7	.	.	PUNCT
ajssms-1649	378	1	(	(	PUNCT
ajssms-1649	378	2	2010	2010	NUM
ajssms-1649	378	3	)	)	PUNCT
ajssms-1649	378	4	.	.	PUNCT
ajssms-1649	379	1	final	final	ADJ
ajssms-1649	379	2	report	report	NOUN
ajssms-1649	379	3	assessing	assess	VERB
ajssms-1649	379	4	the	the	DET
ajssms-1649	379	5	macroeconomic	macroeconomic	ADJ
ajssms-1649	379	6	impact	impact	NOUN
ajssms-1649	379	7	of	of	ADP
ajssms-1649	379	8	the	the	DET
ajssms-1649	379	9	transition	transition	NOUN
ajssms-1649	379	10	to	to	ADP
ajssms-1649	379	11	stronger	strong	ADJ
ajssms-1649	379	12	capital	capital	NOUN
ajssms-1649	379	13	and	and	CCONJ
ajssms-1649	379	14	liquidity	liquidity	NOUN
ajssms-1649	379	15	requirements	requirement	NOUN
ajssms-1649	379	16	(	(	PUNCT
ajssms-1649	379	17	pp	pp	ADJ
ajssms-1649	379	18	.	.	PUNCT
ajssms-1649	380	1	7	7	NUM
ajssms-1649	380	2	-	-	SYM
ajssms-1649	380	3	8)	8)	NUM
ajssms-1649	380	4	.	.	PUNCT
ajssms-1649	380	5	bank	bank	PROPN
ajssms-1649	380	6	of	of	ADP
ajssms-1649	380	7	international	international	ADJ
ajssms-1649	380	8	settlemnt	settlemnt	NOUN
ajssms-1649	380	9	,	,	PUNCT
ajssms-1649	380	10	basel	basel	PROPN
ajssms-1649	380	11	,	,	PUNCT
ajssms-1649	380	12	switzerland	switzerland	PROPN
ajssms-1649	380	13	.	.	PUNCT
ajssms-1649	381	1	blum	blum	PROPN
ajssms-1649	381	2	,	,	PUNCT
ajssms-1649	381	3	j.	j.	PROPN
ajssms-1649	381	4	,	,	PUNCT
ajssms-1649	381	5	&	&	CCONJ
ajssms-1649	381	6	hellwig	hellwig	PROPN
ajssms-1649	381	7	,	,	PUNCT
ajssms-1649	381	8	m.	m.	NOUN
ajssms-1649	381	9	(	(	PUNCT
ajssms-1649	381	10	1995	1995	NUM
ajssms-1649	381	11	)	)	PUNCT
ajssms-1649	381	12	.	.	PUNCT
ajssms-1649	382	1	the	the	DET
ajssms-1649	382	2	macroeconomic	macroeconomic	ADJ
ajssms-1649	382	3	implications	implication	NOUN
ajssms-1649	382	4	of	of	ADP
ajssms-1649	382	5	capital	capital	NOUN
ajssms-1649	382	6	adequacy	adequacy	NOUN
ajssms-1649	382	7	requirements	requirement	NOUN
ajssms-1649	382	8	for	for	ADP
ajssms-1649	382	9	banks	bank	NOUN
ajssms-1649	382	10	.	.	PUNCT
ajssms-1649	383	1	european	european	ADJ
ajssms-1649	383	2	economic	economic	PROPN
ajssms-1649	383	3	review	review	PROPN
ajssms-1649	383	4	,	,	PUNCT
ajssms-1649	383	5	39(4	39(4	NOUN
ajssms-1649	383	6	)	)	PUNCT
ajssms-1649	383	7	,	,	PUNCT
ajssms-1649	383	8	739	739	NUM
ajssms-1649	383	9	-	-	SYM
ajssms-1649	383	10	749	749	NUM
ajssms-1649	383	11	.	.	PUNCT
ajssms-1649	384	1	blum	blum	PROPN
ajssms-1649	384	2	.	.	PROPN
ajssms-1649	384	3	,	,	PUNCT
ajssms-1649	384	4	j.	j.	PROPN
ajssms-1649	384	5	(	(	PUNCT
ajssms-1649	384	6	1999	1999	NUM
ajssms-1649	384	7	)	)	PUNCT
ajssms-1649	384	8	.	.	PUNCT
ajssms-1649	385	1	do	do	AUX
ajssms-1649	385	2	capital	capital	NOUN
ajssms-1649	385	3	adequacy	adequacy	NOUN
ajssms-1649	385	4	requirements	requirement	NOUN
ajssms-1649	385	5	reduce	reduce	VERB
ajssms-1649	385	6	risks	risk	NOUN
ajssms-1649	385	7	in	in	ADP
ajssms-1649	385	8	banking	banking	NOUN
ajssms-1649	385	9	?	?	PUNCT
ajssms-1649	386	1	journal	journal	NOUN
ajssms-1649	386	2	of	of	ADP
ajssms-1649	386	3	banking	banking	NOUN
ajssms-1649	386	4	and	and	CCONJ
ajssms-1649	386	5	finance	finance	NOUN
ajssms-1649	386	6	,	,	PUNCT
ajssms-1649	386	7	23(5	23(5	NUM
ajssms-1649	386	8	)	)	PUNCT
ajssms-1649	386	9	,	,	PUNCT
ajssms-1649	386	10	755	755	NUM
ajssms-1649	386	11	-	-	SYM
ajssms-1649	386	12	771	771	NUM
ajssms-1649	386	13	.	.	PUNCT
ajssms-1649	387	1	brewer	brewer	PROPN
ajssms-1649	387	2	,	,	PUNCT
ajssms-1649	387	3	e.	e.	PROPN
ajssms-1649	387	4	,	,	PUNCT
ajssms-1649	387	5	genay	genay	PROPN
ajssms-1649	387	6	,	,	PUNCT
ajssms-1649	387	7	h.	h.	PROPN
ajssms-1649	387	8	,	,	PUNCT
ajssms-1649	387	9	jackson	jackson	PROPN
ajssms-1649	387	10	,	,	PUNCT
ajssms-1649	387	11	w.	w.	PROPN
ajssms-1649	387	12	e.	e.	PROPN
ajssms-1649	387	13	,	,	PUNCT
ajssms-1649	387	14	&	&	CCONJ
ajssms-1649	387	15	worthington	worthington	PROPN
ajssms-1649	387	16	,	,	PUNCT
ajssms-1649	387	17	p.	p.	PROPN
ajssms-1649	387	18	r.	r.	PROPN
ajssms-1649	387	19	(	(	PUNCT
ajssms-1649	387	20	1996	1996	NUM
ajssms-1649	387	21	)	)	PUNCT
ajssms-1649	387	22	.	.	PUNCT
ajssms-1649	388	1	how	how	SCONJ
ajssms-1649	388	2	are	be	AUX
ajssms-1649	388	3	small	small	ADJ
ajssms-1649	388	4	firms	firm	NOUN
ajssms-1649	388	5	financed	finance	VERB
ajssms-1649	388	6	?	?	PUNCT
ajssms-1649	389	1	evidence	evidence	NOUN
ajssms-1649	389	2	from	from	ADP
ajssms-1649	389	3	small	small	ADJ
ajssms-1649	389	4	business	business	NOUN
ajssms-1649	389	5	investment	investment	NOUN
ajssms-1649	389	6	companies	company	NOUN
ajssms-1649	389	7	.	.	PUNCT
ajssms-1649	390	1	economic	economic	ADJ
ajssms-1649	390	2	perspectives	perspective	NOUN
ajssms-1649	390	3	,	,	PUNCT
ajssms-1649	390	4	20(3	20(3	NOUN
ajssms-1649	390	5	)	)	PUNCT
ajssms-1649	390	6	,	,	PUNCT
ajssms-1649	390	7	2	2	NUM
ajssms-1649	390	8	-	-	SYM
ajssms-1649	390	9	18	18	NUM
ajssms-1649	390	10	.	.	PUNCT
ajssms-1649	390	11	bridges	bridge	NOUN
ajssms-1649	390	12	,	,	PUNCT
ajssms-1649	390	13	j.	j.	PROPN
ajssms-1649	390	14	,	,	PUNCT
ajssms-1649	390	15	david	david	PROPN
ajssms-1649	390	16	,	,	PUNCT
ajssms-1649	390	17	g.	g.	PROPN
ajssms-1649	390	18	,	,	PUNCT
ajssms-1649	390	19	mette	mette	PROPN
ajssms-1649	390	20	,	,	PUNCT
ajssms-1649	390	21	n.	n.	NOUN
ajssms-1649	390	22	,	,	PUNCT
ajssms-1649	390	23	silvia	silvia	PROPN
ajssms-1649	390	24	,	,	PUNCT
ajssms-1649	390	25	p.	p.	PROPN
ajssms-1649	390	26	,	,	PUNCT
ajssms-1649	390	27	amar	amar	PROPN
ajssms-1649	390	28	,	,	PUNCT
ajssms-1649	390	29	r.	r.	PROPN
ajssms-1649	390	30	,	,	PUNCT
ajssms-1649	390	31	&	&	CCONJ
ajssms-1649	390	32	marco	marco	PROPN
ajssms-1649	390	33	,	,	PUNCT
ajssms-1649	390	34	s.	s.	PROPN
ajssms-1649	390	35	(	(	PUNCT
ajssms-1649	390	36	2014	2014	NUM
ajssms-1649	390	37	)	)	PUNCT
ajssms-1649	390	38	.	.	PUNCT
ajssms-1649	391	1	the	the	DET
ajssms-1649	391	2	impact	impact	NOUN
ajssms-1649	391	3	of	of	ADP
ajssms-1649	391	4	capital	capital	NOUN
ajssms-1649	391	5	requirements	requirement	NOUN
ajssms-1649	391	6	on	on	ADP
ajssms-1649	391	7	bank	bank	NOUN
ajssms-1649	391	8	lending	lending	NOUN
ajssms-1649	391	9	.	.	PUNCT
ajssms-1649	392	1	bank	bank	PROPN
ajssms-1649	392	2	of	of	ADP
ajssms-1649	392	3	england	england	PROPN
ajssms-1649	392	4	working	working	PROPN
ajssms-1649	392	5	paper	paper	PROPN
ajssms-1649	393	1	no	no	INTJ
ajssms-1649	393	2	.	.	PROPN
ajssms-1649	393	3	486	486	NUM
ajssms-1649	393	4	.	.	PUNCT
ajssms-1649	393	5	brun	brun	PROPN
ajssms-1649	393	6	,	,	PUNCT
ajssms-1649	393	7	m.	m.	NOUN
ajssms-1649	393	8	,	,	PUNCT
ajssms-1649	393	9	fraisse	fraisse	NOUN
ajssms-1649	393	10	,	,	PUNCT
ajssms-1649	393	11	h.	h.	PROPN
ajssms-1649	393	12	,	,	PUNCT
ajssms-1649	393	13	&	&	CCONJ
ajssms-1649	393	14	thesmar	thesmar	PROPN
ajssms-1649	393	15	,	,	PUNCT
ajssms-1649	393	16	d.	d.	PROPN
ajssms-1649	393	17	(	(	PUNCT
ajssms-1649	393	18	2013	2013	NUM
ajssms-1649	393	19	)	)	PUNCT
ajssms-1649	393	20	.	.	PUNCT
ajssms-1649	394	1	the	the	DET
ajssms-1649	394	2	real	real	ADJ
ajssms-1649	394	3	effects	effect	NOUN
ajssms-1649	394	4	of	of	ADP
ajssms-1649	394	5	bank	bank	NOUN
ajssms-1649	394	6	capital	capital	NOUN
ajssms-1649	394	7	requirements	requirement	NOUN
ajssms-1649	394	8	.	.	PUNCT
ajssms-1649	395	1	economic	economic	ADJ
ajssms-1649	395	2	and	and	CCONJ
ajssms-1649	395	3	financial	financial	ADJ
ajssms-1649	395	4	debates	debate	NOUN
ajssms-1649	395	5	,	,	PUNCT
ajssms-1649	395	6	banque	banque	PROPN
ajssms-1649	395	7	de	de	X
ajssms-1649	395	8	france	france	PROPN
ajssms-1649	395	9	,	,	PUNCT
ajssms-1649	395	10	hec	hec	PROPN
ajssms-1649	395	11	research	research	PROPN
ajssms-1649	395	12	paper	paper	PROPN
ajssms-1649	395	13	series	series	NOUN
ajssms-1649	395	14	988	988	NUM
ajssms-1649	395	15	,	,	PUNCT
ajssms-1649	395	16	3	3	NUM
ajssms-1649	395	17	-	-	SYM
ajssms-1649	395	18	26	26	NUM
ajssms-1649	395	19	.	.	PUNCT
ajssms-1649	396	1	buch	buch	PROPN
ajssms-1649	396	2	,	,	PUNCT
ajssms-1649	396	3	c.	c.	PROPN
ajssms-1649	396	4	m.	m.	NOUN
ajssms-1649	396	5	,	,	PUNCT
ajssms-1649	396	6	&	&	CCONJ
ajssms-1649	396	7	prieto	prieto	PROPN
ajssms-1649	396	8	,	,	PUNCT
ajssms-1649	396	9	e.	e.	PROPN
ajssms-1649	396	10	(	(	PUNCT
ajssms-1649	396	11	2014	2014	NUM
ajssms-1649	396	12	)	)	PUNCT
ajssms-1649	396	13	.	.	PUNCT
ajssms-1649	397	1	do	do	AUX
ajssms-1649	397	2	better	well	ADV
ajssms-1649	397	3	capitalized	capitalize	VERB
ajssms-1649	397	4	banks	bank	NOUN
ajssms-1649	397	5	lend	lend	VERB
ajssms-1649	397	6	less	less	ADJ
ajssms-1649	397	7	?	?	PUNCT
ajssms-1649	398	1	long	long	ADJ
ajssms-1649	398	2	-	-	PUNCT
ajssms-1649	398	3	run	run	VERB
ajssms-1649	398	4	panel	panel	NOUN
ajssms-1649	398	5	evidence	evidence	NOUN
ajssms-1649	398	6	from	from	ADP
ajssms-1649	398	7	germany	germany	PROPN
ajssms-1649	398	8	.	.	PUNCT
ajssms-1649	399	1	international	international	ADJ
ajssms-1649	399	2	finance	finance	NOUN
ajssms-1649	399	3	,	,	PUNCT
ajssms-1649	399	4	17(5	17(5	NUM
ajssms-1649	399	5	)	)	PUNCT
ajssms-1649	399	6	,	,	PUNCT
ajssms-1649	399	7	1	1	NUM
ajssms-1649	399	8	-	-	SYM
ajssms-1649	399	9	23	23	NUM
ajssms-1649	399	10	.	.	PUNCT
ajssms-1649	400	1	camara	camara	PROPN
ajssms-1649	400	2	,	,	PUNCT
ajssms-1649	400	3	b.	b.	PROPN
ajssms-1649	400	4	,	,	PUNCT
ajssms-1649	400	5	laetitia	laetitia	PROPN
ajssms-1649	400	6	,	,	PUNCT
ajssms-1649	400	7	l.	l.	PROPN
ajssms-1649	400	8	,	,	PUNCT
ajssms-1649	400	9	&	&	CCONJ
ajssms-1649	400	10	amine	amine	NOUN
ajssms-1649	400	11	,	,	PUNCT
ajssms-1649	400	12	t.	t.	PROPN
ajssms-1649	400	13	(	(	PUNCT
ajssms-1649	400	14	2010	2010	NUM
ajssms-1649	400	15	)	)	PUNCT
ajssms-1649	400	16	.	.	PUNCT
ajssms-1649	401	1	changes	change	NOUN
ajssms-1649	401	2	in	in	ADP
ajssms-1649	401	3	capital	capital	NOUN
ajssms-1649	401	4	and	and	CCONJ
ajssms-1649	401	5	risk	risk	NOUN
ajssms-1649	401	6	:	:	PUNCT
ajssms-1649	401	7	an	an	DET
ajssms-1649	401	8	empirical	empirical	ADJ
ajssms-1649	401	9	study	study	NOUN
ajssms-1649	401	10	of	of	ADP
ajssms-1649	401	11	european	european	ADJ
ajssms-1649	401	12	banks	bank	NOUN
ajssms-1649	401	13	.	.	PUNCT
ajssms-1649	402	1	working	work	VERB
ajssms-1649	402	2	paper	paper	NOUN
ajssms-1649	402	3	no	no	INTJ
ajssms-1649	402	4	.	.	PROPN
ajssms-1649	403	1	56	56	NUM
ajssms-1649	403	2	.	.	PUNCT
ajssms-1649	404	1	canta	canta	PROPN
ajssms-1649	404	2	,	,	PUNCT
ajssms-1649	404	3	m.	m.	NOUN
ajssms-1649	404	4	(	(	PUNCT
ajssms-1649	404	5	2011	2011	NUM
ajssms-1649	404	6	)	)	PUNCT
ajssms-1649	404	7	.	.	PUNCT
ajssms-1649	405	1	macroeconomic	macroeconomic	ADJ
ajssms-1649	405	2	effects	effect	NOUN
ajssms-1649	405	3	of	of	ADP
ajssms-1649	405	4	banking	banking	NOUN
ajssms-1649	405	5	regulation	regulation	NOUN
ajssms-1649	405	6	in	in	ADP
ajssms-1649	405	7	emerging	emerge	VERB
ajssms-1649	405	8	markets	market	NOUN
ajssms-1649	405	9	:	:	PUNCT
ajssms-1649	405	10	the	the	DET
ajssms-1649	405	11	role	role	NOUN
ajssms-1649	405	12	of	of	ADP
ajssms-1649	405	13	countercyclical	countercyclical	ADJ
ajssms-1649	405	14	bank	bank	NOUN
ajssms-1649	405	15	capital	capital	NOUN
ajssms-1649	405	16	requirements	requirement	NOUN
ajssms-1649	405	17	.	.	PUNCT
ajssms-1649	406	1	a	a	DET
ajssms-1649	406	2	phd	phd	NOUN
ajssms-1649	406	3	thesis	thesis	NOUN
ajssms-1649	406	4	submitted	submit	VERB
ajssms-1649	406	5	to	to	ADP
ajssms-1649	406	6	department	department	NOUN
ajssms-1649	406	7	of	of	ADP
ajssms-1649	406	8	economics	economic	NOUN
ajssms-1649	406	9	.	.	PUNCT
ajssms-1649	407	1	mcgill	mcgill	PROPN
ajssms-1649	407	2	university	university	PROPN
ajssms-1649	407	3	,	,	PUNCT
ajssms-1649	407	4	montreal	montreal	PROPN
ajssms-1649	407	5	.	.	PUNCT
ajssms-1649	408	1	chami	chami	PROPN
ajssms-1649	408	2	,	,	PUNCT
ajssms-1649	408	3	r.	r.	PROPN
ajssms-1649	408	4	,	,	PUNCT
ajssms-1649	408	5	&	&	CCONJ
ajssms-1649	408	6	cosimano	cosimano	NOUN
ajssms-1649	408	7	,	,	PUNCT
ajssms-1649	408	8	t.	t.	PROPN
ajssms-1649	408	9	(	(	PUNCT
ajssms-1649	408	10	2001	2001	NUM
ajssms-1649	408	11	)	)	PUNCT
ajssms-1649	408	12	.	.	PUNCT
ajssms-1649	409	1	monetary	monetary	ADJ
ajssms-1649	409	2	policy	policy	NOUN
ajssms-1649	409	3	with	with	ADP
ajssms-1649	409	4	a	a	DET
ajssms-1649	409	5	touch	touch	NOUN
ajssms-1649	409	6	of	of	ADP
ajssms-1649	409	7	basel	basel	PROPN
ajssms-1649	409	8	.	.	PUNCT
ajssms-1649	410	1	international	international	ADJ
ajssms-1649	410	2	monetary	monetary	ADJ
ajssms-1649	410	3	fund	fund	PROPN
ajssms-1649	410	4	working	working	PROPN
ajssms-1649	410	5	paper	paper	NOUN
ajssms-1649	410	6	no	no	INTJ
ajssms-1649	410	7	.	.	PROPN
ajssms-1649	410	8	151	151	NUM
ajssms-1649	410	9	.	.	PUNCT
ajssms-1649	411	1	cole	cole	PROPN
ajssms-1649	411	2	,	,	PUNCT
ajssms-1649	411	3	r.	r.	PROPN
ajssms-1649	411	4	a.	a.	PROPN
ajssms-1649	411	5	,	,	PUNCT
ajssms-1649	411	6	wolken	wolken	PROPN
ajssms-1649	411	7	,	,	PUNCT
ajssms-1649	411	8	j.	j.	PROPN
ajssms-1649	411	9	d.	d.	PROPN
ajssms-1649	411	10	,	,	PUNCT
ajssms-1649	411	11	&	&	CCONJ
ajssms-1649	411	12	woodburn	woodburn	PROPN
ajssms-1649	411	13	,	,	PUNCT
ajssms-1649	411	14	l.	l.	PROPN
ajssms-1649	411	15	(	(	PUNCT
ajssms-1649	411	16	1996	1996	NUM
ajssms-1649	411	17	)	)	PUNCT
ajssms-1649	411	18	.	.	PUNCT
ajssms-1649	412	1	bank	bank	PROPN
ajssms-1649	412	2	and	and	CCONJ
ajssms-1649	412	3	nonbank	nonbank	NOUN
ajssms-1649	412	4	competition	competition	NOUN
ajssms-1649	412	5	for	for	ADP
ajssms-1649	412	6	small	small	ADJ
ajssms-1649	412	7	business	business	NOUN
ajssms-1649	412	8	credit	credit	NOUN
ajssms-1649	412	9	:	:	PUNCT
ajssms-1649	412	10	evidence	evidence	NOUN
ajssms-1649	412	11	from	from	ADP
ajssms-1649	412	12	the	the	DET
ajssms-1649	412	13	1987	1987	NUM
ajssms-1649	412	14	and	and	CCONJ
ajssms-1649	412	15	1993	1993	NUM
ajssms-1649	412	16	national	national	ADJ
ajssms-1649	412	17	surveys	survey	NOUN
ajssms-1649	412	18	of	of	ADP
ajssms-1649	412	19	small	small	ADJ
ajssms-1649	412	20	business	business	NOUN
ajssms-1649	412	21	finances	finance	NOUN
ajssms-1649	412	22	.	.	PUNCT
ajssms-1649	413	1	federal	federal	PROPN
ajssms-1649	413	2	reserve	reserve	PROPN
ajssms-1649	413	3	bulletin	bulletin	PROPN
ajssms-1649	413	4	,	,	PUNCT
ajssms-1649	413	5	31(2	31(2	NUM
ajssms-1649	413	6	)	)	PUNCT
ajssms-1649	413	7	,	,	PUNCT
ajssms-1649	413	8	11	11	NUM
ajssms-1649	413	9	-	-	SYM
ajssms-1649	413	10	18	18	NUM
ajssms-1649	413	11	.	.	PUNCT
ajssms-1649	413	12	de	de	PROPN
ajssms-1649	413	13	haan	haan	PROPN
ajssms-1649	413	14	,	,	PUNCT
ajssms-1649	413	15	j.	j.	PROPN
ajssms-1649	413	16	,	,	PUNCT
ajssms-1649	413	17	&	&	CCONJ
ajssms-1649	413	18	klomp	klomp	PROPN
ajssms-1649	413	19	,	,	PUNCT
ajssms-1649	413	20	j.	j.	PROPN
ajssms-1649	413	21	(	(	PUNCT
ajssms-1649	413	22	2012	2012	NUM
ajssms-1649	413	23	)	)	PUNCT
ajssms-1649	413	24	.	.	PUNCT
ajssms-1649	414	1	banking	banking	NOUN
ajssms-1649	414	2	risk	risk	NOUN
ajssms-1649	414	3	and	and	CCONJ
ajssms-1649	414	4	regulation	regulation	NOUN
ajssms-1649	414	5	:	:	PUNCT
ajssms-1649	414	6	does	do	AUX
ajssms-1649	414	7	one	one	NUM
ajssms-1649	414	8	size	size	NOUN
ajssms-1649	414	9	fit	fit	VERB
ajssms-1649	414	10	all	all	PRON
ajssms-1649	414	11	?	?	PUNCT
ajssms-1649	415	1	journal	journal	NOUN
ajssms-1649	415	2	of	of	ADP
ajssms-1649	415	3	banking	banking	NOUN
ajssms-1649	415	4	&	&	CCONJ
ajssms-1649	415	5	finance	finance	PROPN
ajssms-1649	415	6	,	,	PUNCT
ajssms-1649	415	7	36(12	36(12	NUM
ajssms-1649	415	8	)	)	PUNCT
ajssms-1649	415	9	,	,	PUNCT
ajssms-1649	415	10	3197-3212.available	3197-3212.available	NUM
ajssms-1649	415	11	at	at	ADP
ajssms-1649	415	12	:	:	PUNCT
ajssms-1649	415	13	https://doi.org/10.1016/j.jbankfin.2011.10.006	https://doi.org/10.1016/j.jbankfin.2011.10.006	X
ajssms-1649	415	14	.	.	PUNCT
ajssms-1649	415	15	de	de	PROPN
ajssms-1649	415	16	haan	haan	PROPN
ajssms-1649	415	17	.	.	PROPN
ajssms-1649	415	18	,	,	PUNCT
ajssms-1649	415	19	j.	j.	PROPN
ajssms-1649	415	20	,	,	PUNCT
ajssms-1649	415	21	&	&	CCONJ
ajssms-1649	415	22	klomp	klomp	PROPN
ajssms-1649	415	23	,	,	PUNCT
ajssms-1649	415	24	j.	j.	PROPN
ajssms-1649	415	25	(	(	PUNCT
ajssms-1649	415	26	2015	2015	NUM
ajssms-1649	415	27	)	)	PUNCT
ajssms-1649	415	28	.	.	PUNCT
ajssms-1649	416	1	bank	bank	NOUN
ajssms-1649	416	2	regulation	regulation	PROPN
ajssms-1649	416	3	,	,	PUNCT
ajssms-1649	416	4	the	the	DET
ajssms-1649	416	5	quality	quality	NOUN
ajssms-1649	416	6	of	of	ADP
ajssms-1649	416	7	institutions	institution	NOUN
ajssms-1649	416	8	and	and	CCONJ
ajssms-1649	416	9	banking	banking	NOUN
ajssms-1649	416	10	risk	risk	NOUN
ajssms-1649	416	11	in	in	ADP
ajssms-1649	416	12	emerging	emerge	VERB
ajssms-1649	416	13	and	and	CCONJ
ajssms-1649	416	14	developing	develop	VERB
ajssms-1649	416	15	countries	country	NOUN
ajssms-1649	416	16	:	:	PUNCT
ajssms-1649	416	17	an	an	DET
ajssms-1649	416	18	empirical	empirical	ADJ
ajssms-1649	416	19	analysis	analysis	NOUN
ajssms-1649	416	20	.	.	PUNCT
ajssms-1649	417	1	emerging	emerge	VERB
ajssms-1649	417	2	markets	market	NOUN
ajssms-1649	417	3	finance	finance	NOUN
ajssms-1649	417	4	and	and	CCONJ
ajssms-1649	417	5	trade	trade	NOUN
ajssms-1649	417	6	,	,	PUNCT
ajssms-1649	417	7	2(2	2(2	NUM
ajssms-1649	417	8	)	)	PUNCT
ajssms-1649	417	9	,	,	PUNCT
ajssms-1649	417	10	8	8	NUM
ajssms-1649	417	11	-	-	SYM
ajssms-1649	417	12	16	16	NUM
ajssms-1649	417	13	.	.	PUNCT
ajssms-1649	418	1	de	de	X
ajssms-1649	418	2	jonghe	jonghe	NOUN
ajssms-1649	418	3	,	,	PUNCT
ajssms-1649	418	4	o.	o.	PROPN
ajssms-1649	418	5	(	(	PUNCT
ajssms-1649	418	6	2010	2010	NUM
ajssms-1649	418	7	)	)	PUNCT
ajssms-1649	418	8	.	.	PUNCT
ajssms-1649	419	1	back	back	ADV
ajssms-1649	419	2	to	to	ADP
ajssms-1649	419	3	the	the	DET
ajssms-1649	419	4	basics	basic	NOUN
ajssms-1649	419	5	in	in	ADP
ajssms-1649	419	6	banking	banking	NOUN
ajssms-1649	419	7	?	?	PUNCT
ajssms-1649	420	1	a	a	DET
ajssms-1649	420	2	micro	micro	NOUN
ajssms-1649	420	3	-	-	NOUN
ajssms-1649	420	4	analysis	analysis	NOUN
ajssms-1649	420	5	of	of	ADP
ajssms-1649	420	6	banking	banking	NOUN
ajssms-1649	420	7	system	system	NOUN
ajssms-1649	420	8	stability	stability	NOUN
ajssms-1649	420	9	.	.	PUNCT
ajssms-1649	421	1	journal	journal	NOUN
ajssms-1649	421	2	of	of	ADP
ajssms-1649	421	3	financial	financial	ADJ
ajssms-1649	421	4	intermediation	intermediation	NOUN
ajssms-1649	421	5	,	,	PUNCT
ajssms-1649	421	6	19(3	19(3	NUM
ajssms-1649	421	7	)	)	PUNCT
ajssms-1649	421	8	,	,	PUNCT
ajssms-1649	421	9	387-417.available	387-417.available	NUM
ajssms-1649	421	10	at	at	ADP
ajssms-1649	421	11	:	:	PUNCT
ajssms-1649	421	12	https://doi.org/10.1016/j.jfi.2009.04.001	https://doi.org/10.1016/j.jfi.2009.04.001	PROPN
ajssms-1649	421	13	.	.	PUNCT
ajssms-1649	422	1	demirgüç	demirgüç	PROPN
ajssms-1649	422	2	-	-	PUNCT
ajssms-1649	422	3	kunt	kunt	PROPN
ajssms-1649	422	4	,	,	PUNCT
ajssms-1649	422	5	a.	a.	PROPN
ajssms-1649	422	6	,	,	PUNCT
ajssms-1649	422	7	&	&	CCONJ
ajssms-1649	422	8	detragiache	detragiache	PROPN
ajssms-1649	422	9	,	,	PUNCT
ajssms-1649	422	10	e.	e.	PROPN
ajssms-1649	422	11	(	(	PUNCT
ajssms-1649	422	12	2011	2011	NUM
ajssms-1649	422	13	)	)	PUNCT
ajssms-1649	422	14	.	.	PUNCT
ajssms-1649	423	1	basel	basel	PROPN
ajssms-1649	423	2	core	core	NOUN
ajssms-1649	423	3	principles	principle	NOUN
ajssms-1649	423	4	and	and	CCONJ
ajssms-1649	423	5	bank	bank	NOUN
ajssms-1649	423	6	soundness	soundness	NOUN
ajssms-1649	423	7	:	:	PUNCT
ajssms-1649	423	8	does	do	VERB
ajssms-1649	423	9	compliance	compliance	NOUN
ajssms-1649	423	10	matter	matter	NOUN
ajssms-1649	423	11	?	?	PUNCT
ajssms-1649	424	1	journal	journal	NOUN
ajssms-1649	424	2	of	of	ADP
ajssms-1649	424	3	financial	financial	ADJ
ajssms-1649	424	4	stability	stability	NOUN
ajssms-1649	424	5	,	,	PUNCT
ajssms-1649	424	6	7(4	7(4	NUM
ajssms-1649	424	7	)	)	PUNCT
ajssms-1649	424	8	,	,	PUNCT
ajssms-1649	424	9	179-190.available	179-190.available	NUM
ajssms-1649	424	10	at	at	ADP
ajssms-1649	424	11	:	:	PUNCT
ajssms-1649	424	12	https://doi.org/10.1016/j.jfs.2010.03.003	https://doi.org/10.1016/j.jfs.2010.03.003	PROPN
ajssms-1649	424	13	.	.	PROPN
ajssms-1649	424	14	diamond	diamond	PROPN
ajssms-1649	424	15	,	,	PUNCT
ajssms-1649	424	16	d.	d.	PROPN
ajssms-1649	424	17	w.	w.	PROPN
ajssms-1649	424	18	,	,	PUNCT
ajssms-1649	424	19	&	&	CCONJ
ajssms-1649	424	20	rajan	rajan	PROPN
ajssms-1649	424	21	,	,	PUNCT
ajssms-1649	424	22	r.	r.	PROPN
ajssms-1649	424	23	g.	g.	PROPN
ajssms-1649	424	24	(	(	PUNCT
ajssms-1649	424	25	2000	2000	NUM
ajssms-1649	424	26	)	)	PUNCT
ajssms-1649	424	27	.	.	PUNCT
ajssms-1649	425	1	a	a	DET
ajssms-1649	425	2	theory	theory	NOUN
ajssms-1649	425	3	of	of	ADP
ajssms-1649	425	4	bank	bank	NOUN
ajssms-1649	425	5	capital	capital	NOUN
ajssms-1649	425	6	.	.	PUNCT
ajssms-1649	426	1	journal	journal	PROPN
ajssms-1649	426	2	of	of	ADP
ajssms-1649	426	3	finance	finance	NOUN
ajssms-1649	426	4	,	,	PUNCT
ajssms-1649	426	5	55(5	55(5	PROPN
ajssms-1649	426	6	)	)	PUNCT
ajssms-1649	426	7	,	,	PUNCT
ajssms-1649	426	8	2431–2465	2431–2465	NUM
ajssms-1649	426	9	.	.	PUNCT
ajssms-1649	427	1	diamond	diamond	NOUN
ajssms-1649	427	2	.	.	PUNCT
ajssms-1649	427	3	,	,	PUNCT
ajssms-1649	427	4	d.	d.	PROPN
ajssms-1649	427	5	w.	w.	PROPN
ajssms-1649	427	6	,	,	PUNCT
ajssms-1649	427	7	&	&	CCONJ
ajssms-1649	427	8	rajan	rajan	PROPN
ajssms-1649	427	9	,	,	PUNCT
ajssms-1649	427	10	r.	r.	PROPN
ajssms-1649	427	11	g.	g.	PROPN
ajssms-1649	427	12	(	(	PUNCT
ajssms-1649	427	13	2001	2001	NUM
ajssms-1649	427	14	)	)	PUNCT
ajssms-1649	427	15	.	.	PUNCT
ajssms-1649	428	1	liquidity	liquidity	NOUN
ajssms-1649	428	2	risk	risk	NOUN
ajssms-1649	428	3	,	,	PUNCT
ajssms-1649	428	4	liquidity	liquidity	NOUN
ajssms-1649	428	5	creation	creation	NOUN
ajssms-1649	428	6	,	,	PUNCT
ajssms-1649	428	7	and	and	CCONJ
ajssms-1649	428	8	financial	financial	ADJ
ajssms-1649	428	9	fragility	fragility	NOUN
ajssms-1649	428	10	:	:	PUNCT
ajssms-1649	428	11	a	a	DET
ajssms-1649	428	12	theory	theory	NOUN
ajssms-1649	428	13	of	of	ADP
ajssms-1649	428	14	banking	banking	NOUN
ajssms-1649	428	15	.	.	PUNCT
ajssms-1649	429	1	journal	journal	PROPN
ajssms-1649	429	2	of	of	ADP
ajssms-1649	429	3	political	political	ADJ
ajssms-1649	429	4	economy	economy	NOUN
ajssms-1649	429	5	,	,	PUNCT
ajssms-1649	429	6	109(2	109(2	NUM
ajssms-1649	429	7	)	)	PUNCT
ajssms-1649	429	8	,	,	PUNCT
ajssms-1649	429	9	287-327.available	287-327.available	NUM
ajssms-1649	429	10	at	at	ADP
ajssms-1649	429	11	:	:	PUNCT
ajssms-1649	429	12	https://doi.org/10.1086/319552	https://doi.org/10.1086/319552	X
ajssms-1649	429	13	.	.	PUNCT
ajssms-1649	430	1	francis	francis	PROPN
ajssms-1649	430	2	,	,	PUNCT
ajssms-1649	430	3	w.	w.	PROPN
ajssms-1649	430	4	b.	b.	PROPN
ajssms-1649	430	5	,	,	PUNCT
ajssms-1649	430	6	&	&	CCONJ
ajssms-1649	430	7	osborne	osborne	PROPN
ajssms-1649	430	8	,	,	PUNCT
ajssms-1649	430	9	m.	m.	NOUN
ajssms-1649	430	10	(	(	PUNCT
ajssms-1649	430	11	2012	2012	NUM
ajssms-1649	430	12	)	)	PUNCT
ajssms-1649	430	13	.	.	PUNCT
ajssms-1649	431	1	capital	capital	NOUN
ajssms-1649	431	2	requirements	requirement	NOUN
ajssms-1649	431	3	and	and	CCONJ
ajssms-1649	431	4	bank	bank	NOUN
ajssms-1649	431	5	behavior	behavior	NOUN
ajssms-1649	431	6	in	in	ADP
ajssms-1649	431	7	the	the	DET
ajssms-1649	431	8	uk	uk	PROPN
ajssms-1649	431	9	:	:	PUNCT
ajssms-1649	431	10	are	be	AUX
ajssms-1649	431	11	there	there	PRON
ajssms-1649	431	12	lessons	lesson	NOUN
ajssms-1649	431	13	for	for	ADP
ajssms-1649	431	14	international	international	ADJ
ajssms-1649	431	15	capital	capital	NOUN
ajssms-1649	431	16	standards	standard	NOUN
ajssms-1649	431	17	?	?	PUNCT
ajssms-1649	432	1	journal	journal	NOUN
ajssms-1649	432	2	of	of	ADP
ajssms-1649	432	3	banking	banking	NOUN
ajssms-1649	432	4	&	&	CCONJ
ajssms-1649	432	5	finance	finance	PROPN
ajssms-1649	432	6	,	,	PUNCT
ajssms-1649	432	7	36(3	36(3	NUM
ajssms-1649	432	8	)	)	PUNCT
ajssms-1649	432	9	,	,	PUNCT
ajssms-1649	432	10	803-816.available	803-816.available	NUM
ajssms-1649	432	11	at	at	ADP
ajssms-1649	432	12	:	:	PUNCT
ajssms-1649	432	13	https://doi.org/10.1016/j.jbankfin.2011.09.011	https://doi.org/10.1016/j.jbankfin.2011.09.011	PROPN
ajssms-1649	432	14	.	.	PROPN
ajssms-1649	432	15	furfine	furfine	PROPN
ajssms-1649	432	16	,	,	PUNCT
ajssms-1649	432	17	c.	c.	PROPN
ajssms-1649	432	18	(	(	PUNCT
ajssms-1649	432	19	2000	2000	NUM
ajssms-1649	432	20	)	)	PUNCT
ajssms-1649	432	21	.	.	PUNCT
ajssms-1649	433	1	evidence	evidence	NOUN
ajssms-1649	433	2	on	on	ADP
ajssms-1649	433	3	the	the	DET
ajssms-1649	433	4	response	response	NOUN
ajssms-1649	433	5	of	of	ADP
ajssms-1649	433	6	us	us	PROPN
ajssms-1649	433	7	banks	bank	NOUN
ajssms-1649	433	8	to	to	ADP
ajssms-1649	433	9	changes	change	NOUN
ajssms-1649	433	10	in	in	ADP
ajssms-1649	433	11	capital	capital	NOUN
ajssms-1649	433	12	requirements	requirement	NOUN
ajssms-1649	433	13	.	.	PUNCT
ajssms-1649	434	1	bis	bis	PROPN
ajssms-1649	434	2	working	working	NOUN
ajssms-1649	434	3	papers	paper	NOUN
ajssms-1649	434	4	no	no	DET
ajssms-1649	434	5	88	88	NUM
ajssms-1649	434	6	.	.	PUNCT
ajssms-1649	435	1	gambacorta	gambacorta	PROPN
ajssms-1649	435	2	,	,	PUNCT
ajssms-1649	435	3	l.	l.	PROPN
ajssms-1649	435	4	,	,	PUNCT
ajssms-1649	435	5	&	&	CCONJ
ajssms-1649	435	6	mistrulli	mistrulli	PROPN
ajssms-1649	435	7	,	,	PUNCT
ajssms-1649	435	8	p.	p.	PROPN
ajssms-1649	435	9	e.	e.	PROPN
ajssms-1649	435	10	(	(	PUNCT
ajssms-1649	435	11	2004	2004	NUM
ajssms-1649	435	12	)	)	PUNCT
ajssms-1649	435	13	.	.	PUNCT
ajssms-1649	436	1	does	do	AUX
ajssms-1649	436	2	bank	bank	NOUN
ajssms-1649	436	3	capital	capital	NOUN
ajssms-1649	436	4	affect	affect	VERB
ajssms-1649	436	5	lending	lending	NOUN
ajssms-1649	436	6	behavior	behavior	NOUN
ajssms-1649	436	7	?	?	PUNCT
ajssms-1649	437	1	journal	journal	NOUN
ajssms-1649	437	2	of	of	ADP
ajssms-1649	437	3	financial	financial	ADJ
ajssms-1649	437	4	intermediation	intermediation	NOUN
ajssms-1649	437	5	,	,	PUNCT
ajssms-1649	437	6	13(4	13(4	NUM
ajssms-1649	437	7	)	)	PUNCT
ajssms-1649	437	8	,	,	PUNCT
ajssms-1649	437	9	436457.available	436457.available	ADJ
ajssms-1649	437	10	at	at	ADP
ajssms-1649	437	11	:	:	PUNCT
ajssms-1649	437	12	https://doi.org/10.1016/j.jfi.2004.06.001	https://doi.org/10.1016/j.jfi.2004.06.001	NOUN
ajssms-1649	437	13	.	.	PUNCT
ajssms-1649	438	1	hancock	hancock	PROPN
ajssms-1649	438	2	,	,	PUNCT
ajssms-1649	438	3	d.	d.	PROPN
ajssms-1649	438	4	,	,	PUNCT
ajssms-1649	438	5	&	&	CCONJ
ajssms-1649	438	6	wilcox	wilcox	PROPN
ajssms-1649	438	7	,	,	PUNCT
ajssms-1649	438	8	j.	j.	PROPN
ajssms-1649	438	9	a.	a.	PROPN
ajssms-1649	438	10	(	(	PUNCT
ajssms-1649	438	11	1998	1998	NUM
ajssms-1649	438	12	)	)	PUNCT
ajssms-1649	438	13	.	.	PUNCT
ajssms-1649	439	1	the	the	DET
ajssms-1649	439	2	“	"	PUNCT
ajssms-1649	439	3	credit	credit	NOUN
ajssms-1649	439	4	crunch	crunch	NOUN
ajssms-1649	439	5	”	"	PUNCT
ajssms-1649	439	6	and	and	CCONJ
ajssms-1649	439	7	the	the	DET
ajssms-1649	439	8	availability	availability	NOUN
ajssms-1649	439	9	of	of	ADP
ajssms-1649	439	10	credit	credit	NOUN
ajssms-1649	439	11	to	to	ADP
ajssms-1649	439	12	small	small	ADJ
ajssms-1649	439	13	business	business	NOUN
ajssms-1649	439	14	.	.	PUNCT
ajssms-1649	440	1	journal	journal	NOUN
ajssms-1649	440	2	of	of	ADP
ajssms-1649	440	3	banking	banking	NOUN
ajssms-1649	440	4	&	&	CCONJ
ajssms-1649	440	5	finance	finance	NOUN
ajssms-1649	440	6	,	,	PUNCT
ajssms-1649	440	7	22(68	22(68	NUM
ajssms-1649	440	8	)	)	PUNCT
ajssms-1649	440	9	,	,	PUNCT
ajssms-1649	440	10	983	983	NUM
ajssms-1649	440	11	-	-	SYM
ajssms-1649	440	12	1014	1014	NUM
ajssms-1649	440	13	.	.	PUNCT
ajssms-1649	441	1	huang	huang	PROPN
ajssms-1649	441	2	,	,	PUNCT
ajssms-1649	441	3	r.	r.	PROPN
ajssms-1649	441	4	,	,	PUNCT
ajssms-1649	441	5	&	&	CCONJ
ajssms-1649	441	6	ratnovski	ratnovski	PROPN
ajssms-1649	441	7	,	,	PUNCT
ajssms-1649	441	8	l.	l.	PROPN
ajssms-1649	441	9	(	(	PUNCT
ajssms-1649	441	10	2009	2009	NUM
ajssms-1649	441	11	)	)	PUNCT
ajssms-1649	441	12	.	.	PUNCT
ajssms-1649	442	1	why	why	SCONJ
ajssms-1649	442	2	are	be	AUX
ajssms-1649	442	3	canadian	canadian	ADJ
ajssms-1649	442	4	banks	bank	NOUN
ajssms-1649	442	5	more	more	ADV
ajssms-1649	442	6	resilient	resilient	ADJ
ajssms-1649	442	7	?	?	PUNCT
ajssms-1649	443	1	imf	imf	PROPN
ajssms-1649	443	2	working	working	PROPN
ajssms-1649	443	3	paper	paper	PROPN
ajssms-1649	443	4	no	no	INTJ
ajssms-1649	443	5	.	.	PROPN
ajssms-1649	443	6	0152	0152	NUM
ajssms-1649	443	7	.	.	PUNCT
ajssms-1649	444	1	hubbard	hubbard	PROPN
ajssms-1649	444	2	,	,	PUNCT
ajssms-1649	444	3	r.	r.	PROPN
ajssms-1649	444	4	g.	g.	PROPN
ajssms-1649	444	5	,	,	PUNCT
ajssms-1649	444	6	kuttner	kuttner	NOUN
ajssms-1649	444	7	,	,	PUNCT
ajssms-1649	444	8	k.	k.	PROPN
ajssms-1649	444	9	n.	n.	PROPN
ajssms-1649	444	10	,	,	PUNCT
ajssms-1649	444	11	&	&	CCONJ
ajssms-1649	444	12	palia	palia	PROPN
ajssms-1649	444	13	,	,	PUNCT
ajssms-1649	444	14	d.	d.	PROPN
ajssms-1649	444	15	n.	n.	PROPN
ajssms-1649	444	16	(	(	PUNCT
ajssms-1649	444	17	2006	2006	NUM
ajssms-1649	444	18	)	)	PUNCT
ajssms-1649	444	19	.	.	PUNCT
ajssms-1649	444	20	are	be	AUX
ajssms-1649	444	21	there	there	PRON
ajssms-1649	444	22	bank	bank	NOUN
ajssms-1649	444	23	effects	effect	NOUN
ajssms-1649	444	24	in	in	ADP
ajssms-1649	444	25	borrowers	borrower	NOUN
ajssms-1649	444	26	„	„	PUNCT
ajssms-1649	444	27	cost	cost	NOUN
ajssms-1649	444	28	of	of	ADP
ajssms-1649	444	29	funds	fund	NOUN
ajssms-1649	444	30	?	?	PUNCT
ajssms-1649	445	1	evidence	evidence	NOUN
ajssms-1649	445	2	from	from	ADP
ajssms-1649	445	3	a	a	DET
ajssms-1649	445	4	matched	match	VERB
ajssms-1649	445	5	sample	sample	NOUN
ajssms-1649	445	6	of	of	ADP
ajssms-1649	445	7	borrowers	borrower	NOUN
ajssms-1649	445	8	and	and	CCONJ
ajssms-1649	445	9	bank	bank	NOUN
ajssms-1649	445	10	.	.	PUNCT
ajssms-1649	446	1	journal	journal	PROPN
ajssms-1649	446	2	of	of	ADP
ajssms-1649	446	3	business	business	NOUN
ajssms-1649	446	4	,	,	PUNCT
ajssms-1649	446	5	75(4	75(4	NOUN
ajssms-1649	446	6	)	)	PUNCT
ajssms-1649	446	7	,	,	PUNCT
ajssms-1649	446	8	559	559	NUM
ajssms-1649	446	9	-	-	SYM
ajssms-1649	446	10	581	581	NUM
ajssms-1649	446	11	.	.	PUNCT
ajssms-1649	447	1	jiménez	jiménez	PROPN
ajssms-1649	447	2	,	,	PUNCT
ajssms-1649	447	3	g.	g.	PROPN
ajssms-1649	447	4	,	,	PUNCT
ajssms-1649	447	5	ongena	ongena	PROPN
ajssms-1649	447	6	,	,	PUNCT
ajssms-1649	447	7	s.	s.	PROPN
ajssms-1649	447	8	,	,	PUNCT
ajssms-1649	447	9	peydró	peydró	NOUN
ajssms-1649	447	10	,	,	PUNCT
ajssms-1649	447	11	j.-l	j.-l	PROPN
ajssms-1649	447	12	.	.	PUNCT
ajssms-1649	447	13	,	,	PUNCT
ajssms-1649	447	14	&	&	CCONJ
ajssms-1649	447	15	saurina	saurina	PROPN
ajssms-1649	447	16	,	,	PUNCT
ajssms-1649	447	17	j.	j.	PROPN
ajssms-1649	447	18	(	(	PUNCT
ajssms-1649	447	19	2012	2012	NUM
ajssms-1649	447	20	)	)	PUNCT
ajssms-1649	447	21	.	.	PUNCT
ajssms-1649	448	1	credit	credit	NOUN
ajssms-1649	448	2	supply	supply	NOUN
ajssms-1649	448	3	and	and	CCONJ
ajssms-1649	448	4	monetary	monetary	ADJ
ajssms-1649	448	5	policy	policy	NOUN
ajssms-1649	448	6	:	:	PUNCT
ajssms-1649	448	7	identifying	identify	VERB
ajssms-1649	448	8	the	the	DET
ajssms-1649	448	9	bank	bank	NOUN
ajssms-1649	448	10	balance	balance	NOUN
ajssms-1649	448	11	-	-	PUNCT
ajssms-1649	448	12	sheet	sheet	NOUN
ajssms-1649	448	13	channel	channel	NOUN
ajssms-1649	448	14	with	with	ADP
ajssms-1649	448	15	loan	loan	NOUN
ajssms-1649	448	16	applications	application	NOUN
ajssms-1649	448	17	.	.	PUNCT
ajssms-1649	449	1	american	american	PROPN
ajssms-1649	449	2	economic	economic	PROPN
ajssms-1649	449	3	review	review	PROPN
ajssms-1649	449	4	,	,	PUNCT
ajssms-1649	449	5	102(5	102(5	NUM
ajssms-1649	449	6	)	)	PUNCT
ajssms-1649	449	7	,	,	PUNCT
ajssms-1649	449	8	2301-2326.available	2301-2326.available	NUM
ajssms-1649	449	9	at	at	ADP
ajssms-1649	449	10	:	:	PUNCT
ajssms-1649	449	11	https://doi.org/10.1257/aer.102.5.2301	https://doi.org/10.1257/aer.102.5.2301	NUM
ajssms-1649	449	12	.	.	PUNCT
ajssms-1649	450	1	jose	jose	PROPN
ajssms-1649	450	2	,	,	PUNCT
ajssms-1649	450	3	f.	f.	PROPN
ajssms-1649	450	4	i.	i.	PROPN
ajssms-1649	450	5	,	,	PUNCT
ajssms-1649	450	6	santiago	santiago	PROPN
ajssms-1649	450	7	,	,	PUNCT
ajssms-1649	450	8	m.	m.	NOUN
ajssms-1649	450	9	,	,	PUNCT
ajssms-1649	450	10	ana	ana	PROPN
ajssms-1649	450	11	,	,	PUNCT
ajssms-1649	450	12	r.	r.	PROPN
ajssms-1649	450	13	,	,	PUNCT
ajssms-1649	450	14	&	&	CCONJ
ajssms-1649	450	15	camilo	camilo	PROPN
ajssms-1649	450	16	,	,	PUNCT
ajssms-1649	450	17	u.	u.	PROPN
ajssms-1649	450	18	(	(	PUNCT
ajssms-1649	450	19	2017	2017	NUM
ajssms-1649	450	20	)	)	PUNCT
ajssms-1649	450	21	.	.	PUNCT
ajssms-1649	451	1	impact	impact	NOUN
ajssms-1649	451	2	of	of	ADP
ajssms-1649	451	3	capital	capital	NOUN
ajssms-1649	451	4	regulation	regulation	NOUN
ajssms-1649	451	5	on	on	ADP
ajssms-1649	451	6	smes	sme	NOUN
ajssms-1649	451	7	credit	credit	NOUN
ajssms-1649	451	8	.	.	PUNCT
ajssms-1649	452	1	bbva	bbva	PROPN
ajssms-1649	452	2	research	research	PROPN
ajssms-1649	452	3	working	working	PROPN
ajssms-1649	452	4	paper	paper	NOUN
ajssms-1649	452	5	no	no	INTJ
ajssms-1649	452	6	.	.	PROPN
ajssms-1649	452	7	01	01	NUM
ajssms-1649	452	8	,	,	PUNCT
ajssms-1649	452	9	121	121	NUM
ajssms-1649	452	10	kapan	kapan	NOUN
ajssms-1649	452	11	,	,	PUNCT
ajssms-1649	452	12	t.	t.	PROPN
ajssms-1649	452	13	,	,	PUNCT
ajssms-1649	452	14	&	&	CCONJ
ajssms-1649	452	15	minoiu	minoiu	PROPN
ajssms-1649	452	16	,	,	PUNCT
ajssms-1649	452	17	c.	c.	PROPN
ajssms-1649	452	18	(	(	PUNCT
ajssms-1649	452	19	2013	2013	NUM
ajssms-1649	452	20	)	)	PUNCT
ajssms-1649	452	21	.	.	PUNCT
ajssms-1649	453	1	balance	balance	NOUN
ajssms-1649	453	2	sheet	sheet	NOUN
ajssms-1649	453	3	strength	strength	NOUN
ajssms-1649	453	4	and	and	CCONJ
ajssms-1649	453	5	bank	bank	NOUN
ajssms-1649	453	6	lending	lending	NOUN
ajssms-1649	453	7	during	during	ADP
ajssms-1649	453	8	the	the	DET
ajssms-1649	453	9	global	global	ADJ
ajssms-1649	453	10	financial	financial	ADJ
ajssms-1649	453	11	crisis	crisis	NOUN
ajssms-1649	453	12	.	.	PUNCT
ajssms-1649	454	1	imf	imf	PROPN
ajssms-1649	454	2	working	working	PROPN
ajssms-1649	454	3	paper	paper	PROPN
ajssms-1649	454	4	102	102	NUM
ajssms-1649	454	5	.	.	PUNCT
ajssms-1649	455	1	kashyap	kashyap	PROPN
ajssms-1649	455	2	,	,	PUNCT
ajssms-1649	455	3	a.	a.	PROPN
ajssms-1649	455	4	,	,	PUNCT
ajssms-1649	455	5	stein	stein	PROPN
ajssms-1649	455	6	,	,	PUNCT
ajssms-1649	455	7	j.	j.	PROPN
ajssms-1649	455	8	,	,	PUNCT
ajssms-1649	455	9	&	&	CCONJ
ajssms-1649	455	10	hanson	hanson	PROPN
ajssms-1649	455	11	,	,	PUNCT
ajssms-1649	455	12	s.	s.	PROPN
ajssms-1649	455	13	(	(	PUNCT
ajssms-1649	455	14	2010	2010	NUM
ajssms-1649	455	15	)	)	PUNCT
ajssms-1649	455	16	.	.	PUNCT
ajssms-1649	456	1	an	an	DET
ajssms-1649	456	2	analysis	analysis	NOUN
ajssms-1649	456	3	of	of	ADP
ajssms-1649	456	4	the	the	DET
ajssms-1649	456	5	impact	impact	NOUN
ajssms-1649	456	6	of	of	ADP
ajssms-1649	456	7	substantially	substantially	ADV
ajssms-1649	456	8	heightened	heighten	VERB
ajssms-1649	456	9	capital	capital	NOUN
ajssms-1649	456	10	requirements	requirement	NOUN
ajssms-1649	456	11	on	on	ADP
ajssms-1649	456	12	large	large	ADJ
ajssms-1649	456	13	financial	financial	ADJ
ajssms-1649	456	14	institutions	institution	NOUN
ajssms-1649	456	15	.	.	PUNCT
ajssms-1649	457	1	journal	journal	NOUN
ajssms-1649	457	2	of	of	ADP
ajssms-1649	457	3	economic	economic	ADJ
ajssms-1649	457	4	perspectives	perspective	NOUN
ajssms-1649	457	5	,	,	PUNCT
ajssms-1649	457	6	25(3	25(3	NUM
ajssms-1649	457	7	)	)	PUNCT
ajssms-1649	457	8	,	,	PUNCT
ajssms-1649	457	9	3	3	NUM
ajssms-1649	457	10	-	-	SYM
ajssms-1649	457	11	28	28	NUM
ajssms-1649	457	12	.	.	PUNCT
ajssms-1649	458	1	kishan	kishan	PROPN
ajssms-1649	458	2	,	,	PUNCT
ajssms-1649	458	3	r.	r.	PROPN
ajssms-1649	458	4	p.	p.	PROPN
ajssms-1649	458	5	,	,	PUNCT
ajssms-1649	458	6	&	&	CCONJ
ajssms-1649	458	7	opiela	opiela	ADV
ajssms-1649	458	8	,	,	PUNCT
ajssms-1649	458	9	t.	t.	PROPN
ajssms-1649	458	10	p.	p.	PROPN
ajssms-1649	458	11	(	(	PUNCT
ajssms-1649	458	12	2000	2000	NUM
ajssms-1649	458	13	)	)	PUNCT
ajssms-1649	458	14	.	.	PUNCT
ajssms-1649	459	1	bank	bank	NOUN
ajssms-1649	459	2	size	size	NOUN
ajssms-1649	459	3	,	,	PUNCT
ajssms-1649	459	4	bank	bank	NOUN
ajssms-1649	459	5	capital	capital	NOUN
ajssms-1649	459	6	and	and	CCONJ
ajssms-1649	459	7	the	the	DET
ajssms-1649	459	8	bank	bank	NOUN
ajssms-1649	459	9	lending	lending	NOUN
ajssms-1649	459	10	channel	channel	PROPN
ajssms-1649	459	11	.	.	PUNCT
ajssms-1649	460	1	journal	journal	PROPN
ajssms-1649	460	2	of	of	ADP
ajssms-1649	460	3	money	money	NOUN
ajssms-1649	460	4	,	,	PUNCT
ajssms-1649	460	5	credit	credit	NOUN
ajssms-1649	460	6	and	and	CCONJ
ajssms-1649	460	7	banking	banking	NOUN
ajssms-1649	460	8	,	,	PUNCT
ajssms-1649	460	9	32(2	32(2	NUM
ajssms-1649	460	10	)	)	PUNCT
ajssms-1649	460	11	,	,	PUNCT
ajssms-1649	460	12	121	121	NUM
ajssms-1649	460	13	142	142	NUM
ajssms-1649	460	14	.	.	PUNCT
ajssms-1649	461	1	klaus	klaus	PROPN
ajssms-1649	461	2	,	,	PUNCT
ajssms-1649	461	3	d.	d.	PROPN
ajssms-1649	461	4	,	,	PUNCT
ajssms-1649	461	5	&	&	CCONJ
ajssms-1649	461	6	philipp	philipp	PROPN
ajssms-1649	461	7	,	,	PUNCT
ajssms-1649	461	8	k.	k.	PROPN
ajssms-1649	461	9	(	(	PUNCT
ajssms-1649	461	10	2013	2013	NUM
ajssms-1649	461	11	)	)	PUNCT
ajssms-1649	461	12	.	.	PUNCT
ajssms-1649	462	1	evaluation	evaluation	NOUN
ajssms-1649	462	2	of	of	ADP
ajssms-1649	462	3	minimum	minimum	ADJ
ajssms-1649	462	4	capital	capital	NOUN
ajssms-1649	462	5	requirements	requirement	NOUN
ajssms-1649	462	6	for	for	ADP
ajssms-1649	462	7	bank	bank	NOUN
ajssms-1649	462	8	loans	loan	NOUN
ajssms-1649	462	9	to	to	ADP
ajssms-1649	462	10	smes	sme	NOUN
ajssms-1649	462	11	.	.	PUNCT
ajssms-1649	463	1	discussions	discussion	NOUN
ajssms-1649	463	2	paper	paper	NOUN
ajssms-1649	464	1	no	no	INTJ
ajssms-1649	464	2	.	.	NOUN
ajssms-1649	465	1	22	22	NUM
ajssms-1649	465	2	.	.	PUNCT
ajssms-1649	466	1	duetshe	duetshe	PROPN
ajssms-1649	466	2	bundesbank	bundesbank	PROPN
ajssms-1649	466	3	.	.	PUNCT
ajssms-1649	467	1	koch	koch	PROPN
ajssms-1649	467	2	,	,	PUNCT
ajssms-1649	467	3	t.	t.	PROPN
ajssms-1649	467	4	w.	w.	PROPN
ajssms-1649	467	5	,	,	PUNCT
ajssms-1649	467	6	&	&	CCONJ
ajssms-1649	467	7	macdonald	macdonald	PROPN
ajssms-1649	467	8	,	,	PUNCT
ajssms-1649	467	9	s.	s.	PROPN
ajssms-1649	467	10	s.	s.	PROPN
ajssms-1649	467	11	(	(	PUNCT
ajssms-1649	467	12	2015	2015	NUM
ajssms-1649	467	13	)	)	PUNCT
ajssms-1649	467	14	.	.	PUNCT
ajssms-1649	468	1	bank	bank	NOUN
ajssms-1649	468	2	management	management	NOUN
ajssms-1649	468	3	(	(	PUNCT
ajssms-1649	468	4	8th	8th	ADJ
ajssms-1649	468	5	ed	ed	NOUN
ajssms-1649	468	6	.	.	PROPN
ajssms-1649	468	7	,	,	PUNCT
ajssms-1649	469	1	pp	pp	ADJ
ajssms-1649	469	2	.	.	PUNCT
ajssms-1649	470	1	487	487	NUM
ajssms-1649	470	2	-	-	SYM
ajssms-1649	470	3	541	541	NUM
ajssms-1649	470	4	)	)	PUNCT
ajssms-1649	470	5	.	.	PUNCT
ajssms-1649	471	1	australia	australia	PROPN
ajssms-1649	471	2	:	:	PUNCT
ajssms-1649	471	3	cengage	cengage	PROPN
ajssms-1649	471	4	learning	learning	PROPN
ajssms-1649	471	5	.	.	PUNCT
ajssms-1649	472	1	markovic	markovic	PROPN
ajssms-1649	472	2	,	,	PUNCT
ajssms-1649	472	3	b.	b.	PROPN
ajssms-1649	472	4	(	(	PUNCT
ajssms-1649	472	5	2006	2006	NUM
ajssms-1649	472	6	)	)	PUNCT
ajssms-1649	472	7	.	.	PUNCT
ajssms-1649	473	1	bank	bank	NOUN
ajssms-1649	473	2	capital	capital	NOUN
ajssms-1649	473	3	channels	channel	NOUN
ajssms-1649	473	4	in	in	ADP
ajssms-1649	473	5	the	the	DET
ajssms-1649	473	6	monetary	monetary	ADJ
ajssms-1649	473	7	transmission	transmission	NOUN
ajssms-1649	473	8	mechanism	mechanism	NOUN
ajssms-1649	473	9	.	.	PUNCT
ajssms-1649	474	1	bank	bank	PROPN
ajssms-1649	474	2	of	of	ADP
ajssms-1649	474	3	england	england	PROPN
ajssms-1649	474	4	working	working	PROPN
ajssms-1649	474	5	paper	paper	PROPN
ajssms-1649	474	6	no	no	INTJ
ajssms-1649	474	7	.	.	PROPN
ajssms-1649	475	1	313	313	NUM
ajssms-1649	475	2	.	.	PUNCT
ajssms-1649	475	3	asian	asian	ADJ
ajssms-1649	475	4	journal	journal	PROPN
ajssms-1649	475	5	of	of	ADP
ajssms-1649	475	6	social	social	ADJ
ajssms-1649	475	7	sciences	sciences	PROPN
ajssms-1649	475	8	and	and	CCONJ
ajssms-1649	475	9	management	management	NOUN
ajssms-1649	475	10	studies	study	NOUN
ajssms-1649	475	11	,	,	PUNCT
ajssms-1649	475	12	2020	2020	NUM
ajssms-1649	475	13	,	,	PUNCT
ajssms-1649	475	14	7(2	7(2	NUM
ajssms-1649	475	15	):	):	PUNCT
ajssms-1649	475	16	124	124	NUM
ajssms-1649	475	17	-	-	SYM
ajssms-1649	475	18	134	134	NUM
ajssms-1649	475	19	134	134	NUM
ajssms-1649	475	20	©	©	PROPN
ajssms-1649	475	21	2020	2020	NUM
ajssms-1649	475	22	by	by	ADP
ajssms-1649	475	23	the	the	DET
ajssms-1649	475	24	authors	author	NOUN
ajssms-1649	475	25	;	;	PUNCT
ajssms-1649	475	26	licensee	licensee	PROPN
ajssms-1649	475	27	asian	asian	ADJ
ajssms-1649	475	28	online	online	PROPN
ajssms-1649	475	29	journal	journal	PROPN
ajssms-1649	475	30	publishing	publishing	PROPN
ajssms-1649	475	31	group	group	PROPN
ajssms-1649	475	32	martynova	martynova	PROPN
ajssms-1649	475	33	,	,	PUNCT
ajssms-1649	475	34	n.	n.	NOUN
ajssms-1649	475	35	(	(	PUNCT
ajssms-1649	475	36	2015	2015	NUM
ajssms-1649	475	37	)	)	PUNCT
ajssms-1649	475	38	.	.	PUNCT
ajssms-1649	476	1	effect	effect	NOUN
ajssms-1649	476	2	of	of	ADP
ajssms-1649	476	3	bank	bank	NOUN
ajssms-1649	476	4	capital	capital	NOUN
ajssms-1649	476	5	requirements	requirement	NOUN
ajssms-1649	476	6	on	on	ADP
ajssms-1649	476	7	economic	economic	ADJ
ajssms-1649	476	8	growth	growth	NOUN
ajssms-1649	476	9	.	.	PUNCT
ajssms-1649	477	1	a	a	DET
ajssms-1649	477	2	survey	survey	NOUN
ajssms-1649	477	3	dnb	dnb	NOUN
ajssms-1649	477	4	working	working	NOUN
ajssms-1649	477	5	paper	paper	NOUN
ajssms-1649	477	6	no	no	DET
ajssms-1649	477	7	467	467	NUM
ajssms-1649	477	8	.	.	PUNCT
ajssms-1649	478	1	meh	meh	PROPN
ajssms-1649	478	2	,	,	PUNCT
ajssms-1649	478	3	c.	c.	PROPN
ajssms-1649	478	4	a.	a.	PROPN
ajssms-1649	478	5	,	,	PUNCT
ajssms-1649	478	6	&	&	CCONJ
ajssms-1649	478	7	moran	moran	PROPN
ajssms-1649	478	8	,	,	PUNCT
ajssms-1649	478	9	k.	k.	PROPN
ajssms-1649	478	10	(	(	PUNCT
ajssms-1649	478	11	2010	2010	NUM
ajssms-1649	478	12	)	)	PUNCT
ajssms-1649	478	13	.	.	PUNCT
ajssms-1649	479	1	the	the	DET
ajssms-1649	479	2	role	role	NOUN
ajssms-1649	479	3	of	of	ADP
ajssms-1649	479	4	bank	bank	NOUN
ajssms-1649	479	5	capital	capital	NOUN
ajssms-1649	479	6	in	in	ADP
ajssms-1649	479	7	the	the	DET
ajssms-1649	479	8	propagation	propagation	NOUN
ajssms-1649	479	9	of	of	ADP
ajssms-1649	479	10	shocks	shock	NOUN
ajssms-1649	479	11	.	.	PUNCT
ajssms-1649	480	1	journal	journal	NOUN
ajssms-1649	480	2	of	of	ADP
ajssms-1649	480	3	economic	economic	ADJ
ajssms-1649	480	4	dynamics	dynamic	NOUN
ajssms-1649	480	5	and	and	CCONJ
ajssms-1649	480	6	control	control	NOUN
ajssms-1649	480	7	,	,	PUNCT
ajssms-1649	480	8	34(3	34(3	NUM
ajssms-1649	480	9	)	)	PUNCT
ajssms-1649	480	10	,	,	PUNCT
ajssms-1649	480	11	555576.available	555576.available	ADJ
ajssms-1649	480	12	at	at	ADP
ajssms-1649	480	13	:	:	PUNCT
ajssms-1649	480	14	https://doi.org/10.1016/j.jedc.2009.10.009	https://doi.org/10.1016/j.jedc.2009.10.009	PROPN
ajssms-1649	480	15	.	.	PUNCT
ajssms-1649	480	16	mesonnier	mesonnier	PROPN
ajssms-1649	480	17	,	,	PUNCT
ajssms-1649	480	18	j.	j.	PROPN
ajssms-1649	480	19	s.	s.	PROPN
ajssms-1649	480	20	,	,	PUNCT
ajssms-1649	480	21	&	&	CCONJ
ajssms-1649	480	22	monks	monk	NOUN
ajssms-1649	480	23	,	,	PUNCT
ajssms-1649	480	24	a.	a.	NOUN
ajssms-1649	480	25	(	(	PUNCT
ajssms-1649	480	26	2014	2014	NUM
ajssms-1649	480	27	)	)	PUNCT
ajssms-1649	480	28	.	.	PUNCT
ajssms-1649	481	1	did	do	AUX
ajssms-1649	481	2	the	the	DET
ajssms-1649	481	3	eba	eba	NOUN
ajssms-1649	481	4	capital	capital	NOUN
ajssms-1649	481	5	exercise	exercise	NOUN
ajssms-1649	481	6	cause	cause	VERB
ajssms-1649	481	7	a	a	DET
ajssms-1649	481	8	credit	credit	NOUN
ajssms-1649	481	9	crunch	crunch	NOUN
ajssms-1649	481	10	in	in	ADP
ajssms-1649	481	11	euro	euro	PROPN
ajssms-1649	481	12	area	area	NOUN
ajssms-1649	481	13	?	?	PUNCT
ajssms-1649	482	1	banque	banque	PROPN
ajssms-1649	482	2	de	de	PROPN
ajssms-1649	482	3	france	france	PROPN
ajssms-1649	482	4	working	working	PROPN
ajssms-1649	482	5	paper	paper	NOUN
ajssms-1649	482	6	no	no	INTJ
ajssms-1649	482	7	.	.	PROPN
ajssms-1649	482	8	491	491	NUM
ajssms-1649	482	9	.	.	PUNCT
ajssms-1649	483	1	miles	mile	NOUN
ajssms-1649	483	2	,	,	PUNCT
ajssms-1649	483	3	d.	d.	PROPN
ajssms-1649	483	4	,	,	PUNCT
ajssms-1649	483	5	jing	jing	PROPN
ajssms-1649	483	6	,	,	PUNCT
ajssms-1649	483	7	y.	y.	PROPN
ajssms-1649	483	8	,	,	PUNCT
ajssms-1649	483	9	&	&	CCONJ
ajssms-1649	483	10	gilberto	gilberto	PROPN
ajssms-1649	483	11	,	,	PUNCT
ajssms-1649	483	12	m.	m.	NOUN
ajssms-1649	483	13	(	(	PUNCT
ajssms-1649	483	14	2012	2012	NUM
ajssms-1649	483	15	)	)	PUNCT
ajssms-1649	483	16	.	.	PUNCT
ajssms-1649	484	1	optimal	optimal	ADJ
ajssms-1649	484	2	bank	bank	NOUN
ajssms-1649	484	3	capital	capital	NOUN
ajssms-1649	484	4	.	.	PUNCT
ajssms-1649	485	1	the	the	DET
ajssms-1649	485	2	economic	economic	ADJ
ajssms-1649	485	3	journal	journal	NOUN
ajssms-1649	485	4	,	,	PUNCT
ajssms-1649	485	5	123(6	123(6	NUM
ajssms-1649	485	6	)	)	PUNCT
ajssms-1649	485	7	,	,	PUNCT
ajssms-1649	485	8	1–37	1–37	PROPN
ajssms-1649	485	9	.	.	PUNCT
ajssms-1649	486	1	noss	noss	PROPN
ajssms-1649	486	2	,	,	PUNCT
ajssms-1649	486	3	j.	j.	PROPN
ajssms-1649	486	4	,	,	PUNCT
ajssms-1649	486	5	&	&	CCONJ
ajssms-1649	486	6	toffano	toffano	PROPN
ajssms-1649	486	7	,	,	PUNCT
ajssms-1649	486	8	p.	p.	NOUN
ajssms-1649	486	9	(	(	PUNCT
ajssms-1649	486	10	2014	2014	NUM
ajssms-1649	486	11	)	)	PUNCT
ajssms-1649	486	12	.	.	PUNCT
ajssms-1649	487	1	estimating	estimate	VERB
ajssms-1649	487	2	the	the	DET
ajssms-1649	487	3	impact	impact	NOUN
ajssms-1649	487	4	of	of	ADP
ajssms-1649	487	5	changes	change	NOUN
ajssms-1649	487	6	in	in	ADP
ajssms-1649	487	7	bank	bank	NOUN
ajssms-1649	487	8	capital	capital	NOUN
ajssms-1649	487	9	requirements	requirement	NOUN
ajssms-1649	487	10	during	during	ADP
ajssms-1649	487	11	a	a	DET
ajssms-1649	487	12	credit	credit	NOUN
ajssms-1649	487	13	boom	boom	NOUN
ajssms-1649	487	14	.	.	PUNCT
ajssms-1649	488	1	bank	bank	PROPN
ajssms-1649	488	2	of	of	ADP
ajssms-1649	488	3	england	england	PROPN
ajssms-1649	488	4	working	working	PROPN
ajssms-1649	488	5	paper	paper	PROPN
ajssms-1649	488	6	no	no	INTJ
ajssms-1649	488	7	.	.	PROPN
ajssms-1649	489	1	494	494	NUM
ajssms-1649	489	2	.	.	PUNCT
ajssms-1649	490	1	peek	peek	PROPN
ajssms-1649	490	2	,	,	PUNCT
ajssms-1649	490	3	j.	j.	PROPN
ajssms-1649	490	4	,	,	PUNCT
ajssms-1649	490	5	&	&	CCONJ
ajssms-1649	490	6	rosengren	rosengren	PROPN
ajssms-1649	490	7	,	,	PUNCT
ajssms-1649	490	8	e.	e.	PROPN
ajssms-1649	490	9	(	(	PUNCT
ajssms-1649	490	10	1995	1995	NUM
ajssms-1649	490	11	)	)	PUNCT
ajssms-1649	490	12	.	.	PUNCT
ajssms-1649	491	1	the	the	DET
ajssms-1649	491	2	capital	capital	NOUN
ajssms-1649	491	3	crunch	crunch	NOUN
ajssms-1649	491	4	:	:	PUNCT
ajssms-1649	491	5	neither	neither	CCONJ
ajssms-1649	491	6	a	a	DET
ajssms-1649	491	7	borrower	borrower	NOUN
ajssms-1649	491	8	nor	nor	CCONJ
ajssms-1649	491	9	a	a	DET
ajssms-1649	491	10	lender	lender	NOUN
ajssms-1649	491	11	be	be	VERB
ajssms-1649	491	12	.	.	PUNCT
ajssms-1649	492	1	journal	journal	PROPN
ajssms-1649	492	2	of	of	ADP
ajssms-1649	492	3	money	money	NOUN
ajssms-1649	492	4	,	,	PUNCT
ajssms-1649	492	5	credit	credit	NOUN
ajssms-1649	492	6	and	and	CCONJ
ajssms-1649	492	7	banking	banking	NOUN
ajssms-1649	492	8	,	,	PUNCT
ajssms-1649	492	9	27(3	27(3	NUM
ajssms-1649	492	10	)	)	PUNCT
ajssms-1649	492	11	,	,	PUNCT
ajssms-1649	492	12	625638.available	625638.available	ADJ
ajssms-1649	492	13	at	at	ADP
ajssms-1649	492	14	:	:	PUNCT
ajssms-1649	492	15	https://doi.org/10.2307/2077739	https://doi.org/10.2307/2077739	PROPN
ajssms-1649	492	16	.	.	PUNCT
ajssms-1649	492	17	peek	peek	PROPN
ajssms-1649	492	18	,	,	PUNCT
ajssms-1649	492	19	j.	j.	PROPN
ajssms-1649	492	20	,	,	PUNCT
ajssms-1649	492	21	&	&	CCONJ
ajssms-1649	492	22	rosengren	rosengren	PROPN
ajssms-1649	492	23	,	,	PUNCT
ajssms-1649	492	24	e.	e.	PROPN
ajssms-1649	492	25	s.	s.	PROPN
ajssms-1649	492	26	(	(	PUNCT
ajssms-1649	492	27	2000	2000	NUM
ajssms-1649	492	28	)	)	PUNCT
ajssms-1649	492	29	.	.	PUNCT
ajssms-1649	493	1	collateral	collateral	ADJ
ajssms-1649	493	2	damage	damage	NOUN
ajssms-1649	493	3	:	:	PUNCT
ajssms-1649	493	4	effects	effect	NOUN
ajssms-1649	493	5	of	of	ADP
ajssms-1649	493	6	the	the	DET
ajssms-1649	493	7	japanese	japanese	ADJ
ajssms-1649	493	8	bank	bank	NOUN
ajssms-1649	493	9	crisis	crisis	NOUN
ajssms-1649	493	10	on	on	ADP
ajssms-1649	493	11	real	real	ADJ
ajssms-1649	493	12	activity	activity	NOUN
ajssms-1649	493	13	in	in	ADP
ajssms-1649	493	14	the	the	DET
ajssms-1649	493	15	united	united	PROPN
ajssms-1649	493	16	states	states	PROPN
ajssms-1649	493	17	.	.	PUNCT
ajssms-1649	494	1	american	american	PROPN
ajssms-1649	494	2	economic	economic	PROPN
ajssms-1649	494	3	review	review	PROPN
ajssms-1649	494	4	,	,	PUNCT
ajssms-1649	494	5	90(1	90(1	NUM
ajssms-1649	494	6	)	)	PUNCT
ajssms-1649	494	7	,	,	PUNCT
ajssms-1649	494	8	30	30	NUM
ajssms-1649	494	9	-	-	SYM
ajssms-1649	494	10	45	45	NUM
ajssms-1649	494	11	.	.	PUNCT
ajssms-1649	494	12	peek	peek	NOUN
ajssms-1649	494	13	.	.	PUNCT
ajssms-1649	494	14	,	,	PUNCT
ajssms-1649	494	15	j.	j.	PROPN
ajssms-1649	494	16	,	,	PUNCT
ajssms-1649	494	17	&	&	CCONJ
ajssms-1649	494	18	rosengren	rosengren	PROPN
ajssms-1649	494	19	,	,	PUNCT
ajssms-1649	494	20	e.	e.	PROPN
ajssms-1649	494	21	s.	s.	PROPN
ajssms-1649	494	22	(	(	PUNCT
ajssms-1649	494	23	1995	1995	NUM
ajssms-1649	494	24	)	)	PUNCT
ajssms-1649	494	25	.	.	PUNCT
ajssms-1649	495	1	bank	bank	NOUN
ajssms-1649	495	2	regulation	regulation	NOUN
ajssms-1649	495	3	and	and	CCONJ
ajssms-1649	495	4	the	the	DET
ajssms-1649	495	5	credit	credit	NOUN
ajssms-1649	495	6	crunch	crunch	NOUN
ajssms-1649	495	7	.	.	PUNCT
ajssms-1649	496	1	journal	journal	NOUN
ajssms-1649	496	2	of	of	ADP
ajssms-1649	496	3	banking	banking	NOUN
ajssms-1649	496	4	and	and	CCONJ
ajssms-1649	496	5	finance	finance	NOUN
ajssms-1649	496	6	,	,	PUNCT
ajssms-1649	496	7	19(5	19(5	NUM
ajssms-1649	496	8	)	)	PUNCT
ajssms-1649	496	9	,	,	PUNCT
ajssms-1649	496	10	625–638	625–638	NUM
ajssms-1649	496	11	.	.	PUNCT
ajssms-1649	497	1	pesaran	pesaran	PROPN
ajssms-1649	497	2	,	,	PUNCT
ajssms-1649	497	3	h.	h.	PROPN
ajssms-1649	497	4	m.	m.	PROPN
ajssms-1649	497	5	,	,	PUNCT
ajssms-1649	497	6	&	&	CCONJ
ajssms-1649	497	7	shin	shin	PROPN
ajssms-1649	497	8	,	,	PUNCT
ajssms-1649	497	9	y.	y.	PROPN
ajssms-1649	497	10	(	(	PUNCT
ajssms-1649	497	11	1996	1996	NUM
ajssms-1649	497	12	)	)	PUNCT
ajssms-1649	497	13	.	.	PUNCT
ajssms-1649	498	1	autoregressive	autoregressive	ADJ
ajssms-1649	498	2	distributed	distribute	VERB
ajssms-1649	498	3	lag	lag	NOUN
ajssms-1649	498	4	modeling	modeling	NOUN
ajssms-1649	498	5	to	to	PART
ajssms-1649	498	6	cointegration	cointegration	VERB
ajssms-1649	498	7	analysis	analysis	NOUN
ajssms-1649	498	8	department	department	NOUN
ajssms-1649	498	9	of	of	ADP
ajssms-1649	498	10	applied	apply	VERB
ajssms-1649	498	11	economics	economic	NOUN
ajssms-1649	498	12	,	,	PUNCT
ajssms-1649	498	13	university	university	NOUN
ajssms-1649	498	14	of	of	ADP
ajssms-1649	498	15	cambridge	cambridge	PROPN
ajssms-1649	498	16	.	.	PUNCT
ajssms-1649	499	1	dae	dae	VERB
ajssms-1649	499	2	working	work	VERB
ajssms-1649	499	3	paper	paper	NOUN
ajssms-1649	499	4	no	no	NOUN
ajssms-1649	499	5	.	.	PROPN
ajssms-1649	499	6	9514	9514	NUM
ajssms-1649	499	7	.	.	PUNCT
ajssms-1649	500	1	popov	popov	PROPN
ajssms-1649	500	2	,	,	PUNCT
ajssms-1649	500	3	a.	a.	PROPN
ajssms-1649	500	4	,	,	PUNCT
ajssms-1649	500	5	&	&	CCONJ
ajssms-1649	500	6	udell	udell	PROPN
ajssms-1649	500	7	,	,	PUNCT
ajssms-1649	500	8	g.	g.	PROPN
ajssms-1649	500	9	f.	f.	PROPN
ajssms-1649	500	10	(	(	PUNCT
ajssms-1649	500	11	2012	2012	NUM
ajssms-1649	500	12	)	)	PUNCT
ajssms-1649	500	13	.	.	PUNCT
ajssms-1649	501	1	cross	cross	ADJ
ajssms-1649	501	2	-	-	ADJ
ajssms-1649	501	3	border	border	ADJ
ajssms-1649	501	4	banking	banking	NOUN
ajssms-1649	501	5	,	,	PUNCT
ajssms-1649	501	6	credit	credit	NOUN
ajssms-1649	501	7	access	access	NOUN
ajssms-1649	501	8	,	,	PUNCT
ajssms-1649	501	9	and	and	CCONJ
ajssms-1649	501	10	the	the	DET
ajssms-1649	501	11	financial	financial	ADJ
ajssms-1649	501	12	crisis	crisis	NOUN
ajssms-1649	501	13	.	.	PUNCT
ajssms-1649	502	1	journal	journal	PROPN
ajssms-1649	502	2	of	of	ADP
ajssms-1649	502	3	international	international	ADJ
ajssms-1649	502	4	economics	economic	NOUN
ajssms-1649	502	5	,	,	PUNCT
ajssms-1649	502	6	87(1	87(1	NUM
ajssms-1649	502	7	)	)	PUNCT
ajssms-1649	502	8	,	,	PUNCT
ajssms-1649	502	9	147161.available	147161.available	ADJ
ajssms-1649	502	10	at	at	ADP
ajssms-1649	502	11	:	:	PUNCT
ajssms-1649	502	12	https://doi.org/10.1016/j.jinteco.2012.01.008	https://doi.org/10.1016/j.jinteco.2012.01.008	PROPN
ajssms-1649	502	13	.	.	PUNCT
ajssms-1649	503	1	puri	puri	PROPN
ajssms-1649	503	2	,	,	PUNCT
ajssms-1649	503	3	m.	m.	NOUN
ajssms-1649	503	4	,	,	PUNCT
ajssms-1649	503	5	rocholl	rocholl	NOUN
ajssms-1649	503	6	,	,	PUNCT
ajssms-1649	503	7	j.	j.	PROPN
ajssms-1649	503	8	,	,	PUNCT
ajssms-1649	503	9	&	&	CCONJ
ajssms-1649	503	10	steffen	steffen	PROPN
ajssms-1649	503	11	,	,	PUNCT
ajssms-1649	503	12	s.	s.	PROPN
ajssms-1649	503	13	(	(	PUNCT
ajssms-1649	503	14	2011	2011	NUM
ajssms-1649	503	15	)	)	PUNCT
ajssms-1649	503	16	.	.	PUNCT
ajssms-1649	504	1	global	global	ADJ
ajssms-1649	504	2	retail	retail	ADJ
ajssms-1649	504	3	lending	lending	NOUN
ajssms-1649	504	4	in	in	ADP
ajssms-1649	504	5	the	the	DET
ajssms-1649	504	6	aftermath	aftermath	NOUN
ajssms-1649	504	7	of	of	ADP
ajssms-1649	504	8	the	the	DET
ajssms-1649	504	9	us	us	PROPN
ajssms-1649	504	10	financial	financial	ADJ
ajssms-1649	504	11	crisis	crisis	NOUN
ajssms-1649	504	12	:	:	PUNCT
ajssms-1649	504	13	distinguishing	distinguish	VERB
ajssms-1649	504	14	between	between	ADP
ajssms-1649	504	15	supply	supply	NOUN
ajssms-1649	504	16	and	and	CCONJ
ajssms-1649	504	17	demand	demand	NOUN
ajssms-1649	504	18	effects	effect	NOUN
ajssms-1649	504	19	.	.	PUNCT
ajssms-1649	505	1	journal	journal	NOUN
ajssms-1649	505	2	of	of	ADP
ajssms-1649	505	3	financial	financial	ADJ
ajssms-1649	505	4	economics	economic	NOUN
ajssms-1649	505	5	,	,	PUNCT
ajssms-1649	505	6	100(3	100(3	NUM
ajssms-1649	505	7	)	)	PUNCT
ajssms-1649	505	8	,	,	PUNCT
ajssms-1649	505	9	556-578.available	556-578.available	NUM
ajssms-1649	505	10	at	at	ADP
ajssms-1649	505	11	:	:	PUNCT
ajssms-1649	505	12	https://doi.org/10.1016/j.jfineco.2010.12.001	https://doi.org/10.1016/j.jfineco.2010.12.001	PROPN
ajssms-1649	505	13	.	.	PUNCT
ajssms-1649	506	1	van	van	PROPN
ajssms-1649	506	2	den	den	PROPN
ajssms-1649	506	3	heuvel	heuvel	PROPN
ajssms-1649	506	4	,	,	PUNCT
ajssms-1649	506	5	s.	s.	PROPN
ajssms-1649	506	6	j.	j.	PROPN
ajssms-1649	506	7	(	(	PUNCT
ajssms-1649	506	8	2007	2007	NUM
ajssms-1649	506	9	)	)	PUNCT
ajssms-1649	506	10	.	.	PUNCT
ajssms-1649	507	1	the	the	DET
ajssms-1649	507	2	welfare	welfare	NOUN
ajssms-1649	507	3	cost	cost	NOUN
ajssms-1649	507	4	of	of	ADP
ajssms-1649	507	5	bank	bank	NOUN
ajssms-1649	507	6	capital	capital	NOUN
ajssms-1649	507	7	requirements	requirement	NOUN
ajssms-1649	507	8	.	.	PUNCT
ajssms-1649	508	1	wharton	wharton	PROPN
ajssms-1649	508	2	financial	financial	ADJ
ajssms-1649	508	3	institutions	institution	NOUN
ajssms-1649	508	4	center	center	VERB
ajssms-1649	508	5	working	work	VERB
ajssms-1649	508	6	paper	paper	NOUN
ajssms-1649	508	7	no	no	INTJ
ajssms-1649	508	8	.	.	PROPN
ajssms-1649	508	9	0719	0719	NUM
ajssms-1649	508	10	.	.	PUNCT
ajssms-1649	509	1	woo	woo	PROPN
ajssms-1649	509	2	,	,	PUNCT
ajssms-1649	509	3	d.	d.	PROPN
ajssms-1649	509	4	(	(	PUNCT
ajssms-1649	509	5	2003	2003	NUM
ajssms-1649	509	6	)	)	PUNCT
ajssms-1649	509	7	.	.	PUNCT
ajssms-1649	510	1	in	in	ADP
ajssms-1649	510	2	search	search	NOUN
ajssms-1649	510	3	of	of	ADP
ajssms-1649	510	4	capital	capital	NOUN
ajssms-1649	510	5	crunch	crunch	NOUN
ajssms-1649	510	6	:	:	PUNCT
ajssms-1649	510	7	supply	supply	NOUN
ajssms-1649	510	8	factors	factor	NOUN
ajssms-1649	510	9	behind	behind	ADP
ajssms-1649	510	10	the	the	DET
ajssms-1649	510	11	credit	credit	NOUN
ajssms-1649	510	12	slowdown	slowdown	NOUN
ajssms-1649	510	13	in	in	ADP
ajssms-1649	510	14	japan	japan	PROPN
ajssms-1649	510	15	.	.	PUNCT
ajssms-1649	511	1	journal	journal	PROPN
ajssms-1649	511	2	of	of	ADP
ajssms-1649	511	3	money	money	NOUN
ajssms-1649	511	4	,	,	PUNCT
ajssms-1649	511	5	credit	credit	NOUN
ajssms-1649	511	6	and	and	CCONJ
ajssms-1649	511	7	banking	banking	NOUN
ajssms-1649	511	8	,	,	PUNCT
ajssms-1649	511	9	35(6	35(6	NUM
ajssms-1649	511	10	)	)	PUNCT
ajssms-1649	511	11	,	,	PUNCT
ajssms-1649	511	12	1019-1038.available	1019-1038.available	NUM
ajssms-1649	511	13	at	at	ADP
ajssms-1649	511	14	:	:	PUNCT
ajssms-1649	511	15	https://doi.org/10.1353/mcb.2003.0050	https://doi.org/10.1353/mcb.2003.0050	VERB
ajssms-1649	511	16	.	.	PUNCT
ajssms-1649	512	1	asian	asian	ADJ
ajssms-1649	512	2	online	online	PROPN
ajssms-1649	512	3	journal	journal	PROPN
ajssms-1649	512	4	publishing	publishing	NOUN
ajssms-1649	512	5	group	group	NOUN
ajssms-1649	512	6	is	be	AUX
ajssms-1649	512	7	not	not	PART
ajssms-1649	512	8	responsible	responsible	ADJ
ajssms-1649	512	9	or	or	CCONJ
ajssms-1649	512	10	answerable	answerable	ADJ
ajssms-1649	512	11	for	for	ADP
ajssms-1649	512	12	any	any	DET
ajssms-1649	512	13	loss	loss	NOUN
ajssms-1649	512	14	,	,	PUNCT
ajssms-1649	512	15	damage	damage	NOUN
ajssms-1649	512	16	or	or	CCONJ
ajssms-1649	512	17	liability	liability	NOUN
ajssms-1649	512	18	,	,	PUNCT
ajssms-1649	512	19	etc	etc	X
ajssms-1649	512	20	.	.	X
ajssms-1649	512	21	caused	cause	VERB
ajssms-1649	512	22	in	in	ADP
ajssms-1649	512	23	relation	relation	NOUN
ajssms-1649	512	24	to	to	PART
ajssms-1649	512	25	/	/	PUNCT
ajssms-1649	512	26	arising	arise	VERB
ajssms-1649	512	27	out	out	ADP
ajssms-1649	512	28	of	of	ADP
ajssms-1649	512	29	the	the	DET
ajssms-1649	512	30	use	use	NOUN
ajssms-1649	512	31	of	of	ADP
ajssms-1649	512	32	the	the	DET
ajssms-1649	512	33	content	content	NOUN
ajssms-1649	512	34	.	.	PUNCT
ajssms-1649	513	1	any	any	DET
ajssms-1649	513	2	queries	query	NOUN
ajssms-1649	513	3	should	should	AUX
ajssms-1649	513	4	be	be	AUX
ajssms-1649	513	5	directed	direct	VERB
ajssms-1649	513	6	to	to	ADP
ajssms-1649	513	7	the	the	DET
ajssms-1649	513	8	corresponding	corresponding	ADJ
ajssms-1649	513	9	author	author	NOUN
ajssms-1649	513	10	of	of	ADP
ajssms-1649	513	11	the	the	DET
ajssms-1649	513	12	article	article	NOUN
ajssms-1649	513	13	.	.	PUNCT