id	sid	tid	token	lemma	pos
bjmsr-453	1	1	copyright	copyright	NOUN
bjmsr-453	1	2	©	©	PROPN
bjmsr-453	1	3	cc	cc	PROPN
bjmsr-453	1	4	-	-	PUNCT
bjmsr-453	1	5	by	by	ADP
bjmsr-453	1	6	-	-	PUNCT
bjmsr-453	1	7	nc	nc	PROPN
bjmsr-453	1	8	2020	2020	NUM
bjmsr-453	1	9	,	,	PUNCT
bjmsr-453	1	10	cribfb	cribfb	PROPN
bjmsr-453	1	11	|bjmsr	|bjmsr	PROPN
bjmsr-453	1	12	bangladesh	bangladesh	PROPN
bjmsr-453	1	13	journal	journal	PROPN
bjmsr-453	1	14	of	of	ADP
bjmsr-453	1	15	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	1	16	scientific	scientific	ADJ
bjmsr-453	1	17	research	research	NOUN
bjmsr-453	1	18	;	;	PUNCT
bjmsr-453	1	19	vol	vol	NOUN
bjmsr-453	1	20	.	.	NOUN
bjmsr-453	1	21	2	2	NUM
bjmsr-453	1	22	,	,	PUNCT
bjmsr-453	1	23	no	no	INTJ
bjmsr-453	1	24	.	.	NOUN
bjmsr-453	1	25	1	1	NUM
bjmsr-453	1	26	;	;	PUNCT
bjmsr-453	1	27	2020	2020	NUM
bjmsr-453	1	28	issn	issn	VERB
bjmsr-453	1	29	2687	2687	NUM
bjmsr-453	1	30	-	-	PUNCT
bjmsr-453	1	31	850x	850x	NUM
bjmsr-453	1	32	e	e	NOUN
bjmsr-453	1	33	-	-	PROPN
bjmsr-453	1	34	issn	issn	PROPN
bjmsr-453	1	35	2687	2687	NUM
bjmsr-453	1	36	-	-	SYM
bjmsr-453	1	37	8518	8518	NUM
bjmsr-453	1	38	published	publish	VERB
bjmsr-453	1	39	by	by	ADP
bjmsr-453	1	40	centre	centre	NOUN
bjmsr-453	1	41	for	for	ADP
bjmsr-453	1	42	research	research	NOUN
bjmsr-453	1	43	on	on	ADP
bjmsr-453	1	44	islamic	islamic	ADJ
bjmsr-453	1	45	banking	banking	PROPN
bjmsr-453	1	46	&	&	CCONJ
bjmsr-453	1	47	finance	finance	PROPN
bjmsr-453	1	48	and	and	CCONJ
bjmsr-453	1	49	business	business	NOUN
bjmsr-453	1	50	,	,	PUNCT
bjmsr-453	1	51	usa	usa	PROPN
bjmsr-453	1	52	1	1	NUM
bjmsr-453	1	53	a	a	DET
bjmsr-453	1	54	comparison	comparison	NOUN
bjmsr-453	1	55	study	study	NOUN
bjmsr-453	1	56	on	on	ADP
bjmsr-453	1	57	the	the	DET
bjmsr-453	1	58	era	era	NOUN
bjmsr-453	1	59	of	of	ADP
bjmsr-453	1	60	internet	internet	NOUN
bjmsr-453	1	61	finance	finance	NOUN
bjmsr-453	1	62	china	china	PROPN
bjmsr-453	1	63	construction	construction	NOUN
bjmsr-453	1	64	of	of	ADP
bjmsr-453	1	65	credit	credit	NOUN
bjmsr-453	1	66	scoring	scoring	NOUN
bjmsr-453	1	67	system	system	NOUN
bjmsr-453	1	68	model	model	NOUN
bjmsr-453	1	69	hongjun	hongjun	PROPN
bjmsr-453	1	70	zeng	zeng	PROPN
bjmsr-453	1	71	business	business	PROPN
bjmsr-453	1	72	school	school	PROPN
bjmsr-453	1	73	guangxi	guangxi	PROPN
bjmsr-453	1	74	university	university	PROPN
bjmsr-453	1	75	nanning	nanning	PROPN
bjmsr-453	1	76	,	,	PUNCT
bjmsr-453	1	77	china	china	PROPN
bjmsr-453	1	78	e	e	PROPN
bjmsr-453	1	79	-	-	NOUN
bjmsr-453	1	80	mail	mail	NOUN
bjmsr-453	1	81	:	:	PUNCT
bjmsr-453	1	82	hongjunzeng@protonmail.com	hongjunzeng@protonmail.com	X
bjmsr-453	2	1	abstract	abstract	ADJ
bjmsr-453	2	2	at	at	ADP
bjmsr-453	2	3	present	present	ADJ
bjmsr-453	2	4	,	,	PUNCT
bjmsr-453	2	5	china	china	PROPN
bjmsr-453	2	6	's	's	PART
bjmsr-453	2	7	internet	internet	NOUN
bjmsr-453	2	8	finance	finance	NOUN
bjmsr-453	2	9	has	have	AUX
bjmsr-453	2	10	flourished	flourish	VERB
bjmsr-453	2	11	,	,	PUNCT
bjmsr-453	2	12	showing	show	VERB
bjmsr-453	2	13	a	a	DET
bjmsr-453	2	14	variety	variety	NOUN
bjmsr-453	2	15	of	of	ADP
bjmsr-453	2	16	business	business	NOUN
bjmsr-453	2	17	models	model	NOUN
bjmsr-453	2	18	and	and	CCONJ
bjmsr-453	2	19	operating	operating	NOUN
bjmsr-453	2	20	mechanisms	mechanism	NOUN
bjmsr-453	2	21	.	.	PUNCT
bjmsr-453	3	1	through	through	ADP
bjmsr-453	3	2	internet	internet	NOUN
bjmsr-453	3	3	technology	technology	NOUN
bjmsr-453	3	4	,	,	PUNCT
bjmsr-453	3	5	financial	financial	ADJ
bjmsr-453	3	6	institutions	institution	NOUN
bjmsr-453	3	7	can	can	AUX
bjmsr-453	3	8	speed	speed	VERB
bjmsr-453	3	9	up	up	ADP
bjmsr-453	3	10	business	business	NOUN
bjmsr-453	3	11	processing	processing	NOUN
bjmsr-453	3	12	and	and	CCONJ
bjmsr-453	3	13	bring	bring	VERB
bjmsr-453	3	14	users	user	NOUN
bjmsr-453	3	15	a	a	DET
bjmsr-453	3	16	better	well	ADJ
bjmsr-453	3	17	service	service	NOUN
bjmsr-453	3	18	experience	experience	NOUN
bjmsr-453	3	19	.	.	PUNCT
bjmsr-453	4	1	however	however	ADV
bjmsr-453	4	2	,	,	PUNCT
bjmsr-453	4	3	there	there	PRON
bjmsr-453	4	4	are	be	VERB
bjmsr-453	4	5	also	also	ADV
bjmsr-453	4	6	problems	problem	NOUN
bjmsr-453	4	7	such	such	ADJ
bjmsr-453	4	8	as	as	ADP
bjmsr-453	4	9	credit	credit	NOUN
bjmsr-453	4	10	risk	risk	NOUN
bjmsr-453	4	11	and	and	CCONJ
bjmsr-453	4	12	user	user	NOUN
bjmsr-453	4	13	fraud	fraud	NOUN
bjmsr-453	4	14	,	,	PUNCT
bjmsr-453	4	15	and	and	CCONJ
bjmsr-453	4	16	it	it	PRON
bjmsr-453	4	17	is	be	AUX
bjmsr-453	4	18	urgent	urgent	ADJ
bjmsr-453	4	19	to	to	PART
bjmsr-453	4	20	improve	improve	VERB
bjmsr-453	4	21	the	the	DET
bjmsr-453	4	22	level	level	NOUN
bjmsr-453	4	23	of	of	ADP
bjmsr-453	4	24	risk	risk	NOUN
bjmsr-453	4	25	control	control	NOUN
bjmsr-453	4	26	through	through	ADP
bjmsr-453	4	27	credit	credit	NOUN
bjmsr-453	4	28	scoring	scoring	NOUN
bjmsr-453	4	29	models	model	NOUN
bjmsr-453	4	30	.	.	PUNCT
bjmsr-453	5	1	because	because	SCONJ
bjmsr-453	5	2	of	of	ADP
bjmsr-453	5	3	this	this	PRON
bjmsr-453	5	4	,	,	PUNCT
bjmsr-453	5	5	this	this	DET
bjmsr-453	5	6	article	article	NOUN
bjmsr-453	5	7	uses	use	VERB
bjmsr-453	5	8	the	the	DET
bjmsr-453	5	9	borrower	borrower	NOUN
bjmsr-453	5	10	data	datum	NOUN
bjmsr-453	5	11	of	of	ADP
bjmsr-453	5	12	a	a	DET
bjmsr-453	5	13	chinese	chinese	ADJ
bjmsr-453	5	14	financial	financial	ADJ
bjmsr-453	5	15	institution	institution	NOUN
bjmsr-453	5	16	from	from	ADP
bjmsr-453	5	17	january	january	PROPN
bjmsr-453	5	18	2017	2017	NUM
bjmsr-453	5	19	to	to	ADP
bjmsr-453	5	20	june	june	PROPN
bjmsr-453	5	21	2017	2017	NUM
bjmsr-453	5	22	as	as	ADP
bjmsr-453	5	23	the	the	DET
bjmsr-453	5	24	original	original	ADJ
bjmsr-453	5	25	data	datum	NOUN
bjmsr-453	5	26	,	,	PUNCT
bjmsr-453	5	27	and	and	CCONJ
bjmsr-453	5	28	then	then	ADV
bjmsr-453	5	29	uses	use	VERB
bjmsr-453	5	30	the	the	DET
bjmsr-453	5	31	spearman	spearman	NOUN
bjmsr-453	5	32	rank	rank	NOUN
bjmsr-453	5	33	correlation	correlation	NOUN
bjmsr-453	5	34	test	test	NOUN
bjmsr-453	5	35	to	to	PART
bjmsr-453	5	36	screen	screen	VERB
bjmsr-453	5	37	out	out	ADP
bjmsr-453	5	38	the	the	DET
bjmsr-453	5	39	variables	variable	NOUN
bjmsr-453	5	40	with	with	ADP
bjmsr-453	5	41	reliable	reliable	ADJ
bjmsr-453	5	42	explanatory	explanatory	ADJ
bjmsr-453	5	43	power	power	NOUN
bjmsr-453	5	44	from	from	ADP
bjmsr-453	5	45	the	the	DET
bjmsr-453	5	46	many	many	ADJ
bjmsr-453	5	47	variables	variable	NOUN
bjmsr-453	5	48	of	of	ADP
bjmsr-453	5	49	the	the	DET
bjmsr-453	5	50	sample	sample	NOUN
bjmsr-453	5	51	data	datum	NOUN
bjmsr-453	5	52	,	,	PUNCT
bjmsr-453	5	53	and	and	CCONJ
bjmsr-453	5	54	then	then	ADV
bjmsr-453	5	55	based	base	VERB
bjmsr-453	5	56	on	on	ADP
bjmsr-453	5	57	the	the	DET
bjmsr-453	5	58	variables	variable	NOUN
bjmsr-453	5	59	selected	select	VERB
bjmsr-453	5	60	,	,	PUNCT
bjmsr-453	5	61	r	r	NOUN
bjmsr-453	5	62	3.4.3	3.4.3	NUM
bjmsr-453	5	63	and	and	CCONJ
bjmsr-453	5	64	spss	spss	PROPN
bjmsr-453	5	65	23.0	23.0	NUM
bjmsr-453	5	66	were	be	AUX
bjmsr-453	5	67	used	use	VERB
bjmsr-453	5	68	to	to	PART
bjmsr-453	5	69	construct	construct	VERB
bjmsr-453	5	70	a	a	DET
bjmsr-453	5	71	random	random	ADJ
bjmsr-453	5	72	forest	forest	NOUN
bjmsr-453	5	73	model	model	NOUN
bjmsr-453	5	74	,	,	PUNCT
bjmsr-453	5	75	discriminant	discriminant	ADJ
bjmsr-453	5	76	analysis	analysis	NOUN
bjmsr-453	5	77	model	model	NOUN
bjmsr-453	5	78	,	,	PUNCT
bjmsr-453	5	79	and	and	CCONJ
bjmsr-453	5	80	logistic	logistic	ADJ
bjmsr-453	5	81	regression	regression	NOUN
bjmsr-453	5	82	model	model	NOUN
bjmsr-453	5	83	.	.	PUNCT
bjmsr-453	6	1	in	in	ADP
bjmsr-453	6	2	general	general	ADJ
bjmsr-453	6	3	,	,	PUNCT
bjmsr-453	6	4	different	different	ADJ
bjmsr-453	6	5	models	model	NOUN
bjmsr-453	6	6	perform	perform	VERB
bjmsr-453	6	7	differently	differently	ADV
bjmsr-453	6	8	under	under	ADP
bjmsr-453	6	9	different	different	ADJ
bjmsr-453	6	10	sample	sample	NOUN
bjmsr-453	6	11	characteristics	characteristic	NOUN
bjmsr-453	6	12	,	,	PUNCT
bjmsr-453	6	13	but	but	CCONJ
bjmsr-453	6	14	the	the	DET
bjmsr-453	6	15	discriminant	discriminant	ADJ
bjmsr-453	6	16	analysis	analysis	NOUN
bjmsr-453	6	17	has	have	AUX
bjmsr-453	6	18	been	be	AUX
bjmsr-453	6	19	better	well	ADV
bjmsr-453	6	20	applicable	applicable	ADJ
bjmsr-453	6	21	.	.	PUNCT
bjmsr-453	7	1	this	this	DET
bjmsr-453	7	2	paper	paper	NOUN
bjmsr-453	7	3	compares	compare	VERB
bjmsr-453	7	4	the	the	DET
bjmsr-453	7	5	judgment	judgment	NOUN
bjmsr-453	7	6	accuracy	accuracy	NOUN
bjmsr-453	7	7	of	of	ADP
bjmsr-453	7	8	these	these	DET
bjmsr-453	7	9	three	three	NUM
bjmsr-453	7	10	types	type	NOUN
bjmsr-453	7	11	of	of	ADP
bjmsr-453	7	12	models	model	NOUN
bjmsr-453	7	13	and	and	CCONJ
bjmsr-453	7	14	tries	try	VERB
bjmsr-453	7	15	to	to	PART
bjmsr-453	7	16	establish	establish	VERB
bjmsr-453	7	17	a	a	DET
bjmsr-453	7	18	more	more	ADV
bjmsr-453	7	19	effective	effective	ADJ
bjmsr-453	7	20	financial	financial	ADJ
bjmsr-453	7	21	credit	credit	NOUN
bjmsr-453	7	22	scoring	scoring	NOUN
bjmsr-453	7	23	method	method	NOUN
bjmsr-453	7	24	,	,	PUNCT
bjmsr-453	7	25	to	to	PART
bjmsr-453	7	26	solve	solve	VERB
bjmsr-453	7	27	the	the	DET
bjmsr-453	7	28	problem	problem	NOUN
bjmsr-453	7	29	of	of	ADP
bjmsr-453	7	30	constructing	construct	VERB
bjmsr-453	7	31	china	china	PROPN
bjmsr-453	7	32	's	's	PART
bjmsr-453	7	33	credit	credit	NOUN
bjmsr-453	7	34	scoring	scoring	NOUN
bjmsr-453	7	35	system	system	NOUN
bjmsr-453	7	36	model	model	NOUN
bjmsr-453	7	37	under	under	ADP
bjmsr-453	7	38	the	the	DET
bjmsr-453	7	39	current	current	ADJ
bjmsr-453	7	40	internet	internet	NOUN
bjmsr-453	7	41	financial	financial	ADJ
bjmsr-453	7	42	background	background	NOUN
bjmsr-453	7	43	.	.	PUNCT
bjmsr-453	8	1	keywords	keyword	NOUN
bjmsr-453	8	2	:	:	PUNCT
bjmsr-453	8	3	credit	credit	NOUN
bjmsr-453	8	4	scoring	scoring	NOUN
bjmsr-453	8	5	system	system	NOUN
bjmsr-453	8	6	,	,	PUNCT
bjmsr-453	8	7	random	random	ADJ
bjmsr-453	8	8	forest	forest	NOUN
bjmsr-453	8	9	,	,	PUNCT
bjmsr-453	8	10	discriminate	discriminate	VERB
bjmsr-453	8	11	analysis	analysis	NOUN
bjmsr-453	8	12	,	,	PUNCT
bjmsr-453	8	13	logistic	logistic	ADJ
bjmsr-453	8	14	regression	regression	NOUN
bjmsr-453	8	15	,	,	PUNCT
bjmsr-453	8	16	comparison	comparison	NOUN
bjmsr-453	8	17	study	study	NOUN
bjmsr-453	8	18	.	.	PUNCT
bjmsr-453	9	1	1	1	X
bjmsr-453	9	2	.	.	X
bjmsr-453	9	3	introduction	introduction	NOUN
bjmsr-453	9	4	1.1	1.1	NUM
bjmsr-453	9	5	research	research	NOUN
bjmsr-453	9	6	background	background	NOUN
bjmsr-453	9	7	the	the	DET
bjmsr-453	9	8	objective	objective	NOUN
bjmsr-453	9	9	,	,	PUNCT
bjmsr-453	9	10	comprehensive	comprehensive	ADJ
bjmsr-453	9	11	,	,	PUNCT
bjmsr-453	9	12	and	and	CCONJ
bjmsr-453	9	13	accurate	accurate	ADJ
bjmsr-453	9	14	individual	individual	ADJ
bjmsr-453	9	15	credit	credit	NOUN
bjmsr-453	9	16	rating	rating	NOUN
bjmsr-453	9	17	model	model	NOUN
bjmsr-453	9	18	is	be	AUX
bjmsr-453	9	19	an	an	DET
bjmsr-453	9	20	essential	essential	ADJ
bjmsr-453	9	21	component	component	NOUN
bjmsr-453	9	22	of	of	ADP
bjmsr-453	9	23	the	the	DET
bjmsr-453	9	24	personal	personal	ADJ
bjmsr-453	9	25	credit	credit	NOUN
bjmsr-453	9	26	rating	rating	NOUN
bjmsr-453	9	27	system	system	NOUN
bjmsr-453	9	28	(	(	PUNCT
bjmsr-453	9	29	hand	hand	NOUN
bjmsr-453	9	30	&	&	CCONJ
bjmsr-453	9	31	henley	henley	NOUN
bjmsr-453	9	32	,	,	PUNCT
bjmsr-453	9	33	1997	1997	NUM
bjmsr-453	9	34	)	)	PUNCT
bjmsr-453	9	35	.	.	PUNCT
bjmsr-453	10	1	the	the	DET
bjmsr-453	10	2	existing	exist	VERB
bjmsr-453	10	3	personal	personal	ADJ
bjmsr-453	10	4	credit	credit	NOUN
bjmsr-453	10	5	scoring	scoring	NOUN
bjmsr-453	10	6	system	system	NOUN
bjmsr-453	10	7	through	through	ADP
bjmsr-453	10	8	internet	internet	NOUN
bjmsr-453	10	9	technology	technology	NOUN
bjmsr-453	10	10	,	,	PUNCT
bjmsr-453	10	11	speed	speed	VERB
bjmsr-453	10	12	up	up	ADP
bjmsr-453	10	13	business	business	NOUN
bjmsr-453	10	14	processing	processing	NOUN
bjmsr-453	10	15	,	,	PUNCT
bjmsr-453	10	16	bring	bring	VERB
bjmsr-453	10	17	users	user	NOUN
bjmsr-453	10	18	a	a	DET
bjmsr-453	10	19	better	well	ADJ
bjmsr-453	10	20	service	service	NOUN
bjmsr-453	10	21	experience	experience	NOUN
bjmsr-453	10	22	(	(	PUNCT
bjmsr-453	10	23	yu	yu	PROPN
bjmsr-453	10	24	et	et	PROPN
bjmsr-453	10	25	al	al	PROPN
bjmsr-453	10	26	.	.	PROPN
bjmsr-453	10	27	,	,	PUNCT
bjmsr-453	10	28	2009	2009	NUM
bjmsr-453	10	29	)	)	PUNCT
bjmsr-453	10	30	.	.	PUNCT
bjmsr-453	11	1	however	however	ADV
bjmsr-453	11	2	,	,	PUNCT
bjmsr-453	11	3	there	there	PRON
bjmsr-453	11	4	are	be	VERB
bjmsr-453	11	5	some	some	DET
bjmsr-453	11	6	problems	problem	NOUN
bjmsr-453	11	7	,	,	PUNCT
bjmsr-453	11	8	such	such	ADJ
bjmsr-453	11	9	as	as	ADP
bjmsr-453	11	10	credit	credit	NOUN
bjmsr-453	11	11	risk	risk	NOUN
bjmsr-453	11	12	and	and	CCONJ
bjmsr-453	11	13	customer	customer	NOUN
bjmsr-453	11	14	fraud	fraud	NOUN
bjmsr-453	11	15	.	.	PUNCT
bjmsr-453	12	1	therefore	therefore	ADV
bjmsr-453	12	2	,	,	PUNCT
bjmsr-453	12	3	it	it	PRON
bjmsr-453	12	4	is	be	AUX
bjmsr-453	12	5	urgent	urgent	ADJ
bjmsr-453	12	6	to	to	PART
bjmsr-453	12	7	improve	improve	VERB
bjmsr-453	12	8	the	the	DET
bjmsr-453	12	9	level	level	NOUN
bjmsr-453	12	10	of	of	ADP
bjmsr-453	12	11	risk	risk	NOUN
bjmsr-453	12	12	control	control	NOUN
bjmsr-453	12	13	through	through	ADP
bjmsr-453	12	14	the	the	DET
bjmsr-453	12	15	credit	credit	NOUN
bjmsr-453	12	16	score	score	NOUN
bjmsr-453	12	17	model	model	NOUN
bjmsr-453	12	18	.	.	PUNCT
bjmsr-453	13	1	the	the	DET
bjmsr-453	13	2	credit	credit	NOUN
bjmsr-453	13	3	investigation	investigation	NOUN
bjmsr-453	13	4	institution	institution	NOUN
bjmsr-453	13	5	shall	shall	AUX
bjmsr-453	13	6	use	use	VERB
bjmsr-453	13	7	the	the	DET
bjmsr-453	13	8	rich	rich	ADJ
bjmsr-453	13	9	information	information	NOUN
bjmsr-453	13	10	collected	collect	VERB
bjmsr-453	13	11	to	to	PART
bjmsr-453	13	12	make	make	VERB
bjmsr-453	13	13	comprehensive	comprehensive	ADJ
bjmsr-453	13	14	credit	credit	NOUN
bjmsr-453	13	15	evaluation	evaluation	NOUN
bjmsr-453	13	16	on	on	ADP
bjmsr-453	13	17	individuals	individual	NOUN
bjmsr-453	13	18	(	(	PUNCT
bjmsr-453	13	19	dhillon	dhillon	PROPN
bjmsr-453	13	20	&	&	CCONJ
bjmsr-453	13	21	torkzadeh	torkzadeh	PROPN
bjmsr-453	13	22	,	,	PUNCT
bjmsr-453	13	23	2006	2006	NUM
bjmsr-453	13	24	)	)	PUNCT
bjmsr-453	13	25	.	.	PUNCT
bjmsr-453	14	1	based	base	VERB
bjmsr-453	14	2	on	on	ADP
bjmsr-453	14	3	abundant	abundant	ADJ
bjmsr-453	14	4	personal	personal	ADJ
bjmsr-453	14	5	credit	credit	NOUN
bjmsr-453	14	6	history	history	NOUN
bjmsr-453	14	7	and	and	CCONJ
bjmsr-453	14	8	credit	credit	NOUN
bjmsr-453	14	9	behavior	behavior	NOUN
bjmsr-453	14	10	data	datum	NOUN
bjmsr-453	14	11	,	,	PUNCT
bjmsr-453	14	12	the	the	DET
bjmsr-453	14	13	credit	credit	NOUN
bjmsr-453	14	14	behavior	behavior	NOUN
bjmsr-453	14	15	pattern	pattern	NOUN
bjmsr-453	14	16	obtained	obtain	VERB
bjmsr-453	14	17	by	by	ADP
bjmsr-453	14	18	adopting	adopt	VERB
bjmsr-453	14	19	the	the	DET
bjmsr-453	14	20	data	datum	NOUN
bjmsr-453	14	21	mining	mining	NOUN
bjmsr-453	14	22	method	method	NOUN
bjmsr-453	14	23	can	can	AUX
bjmsr-453	14	24	more	more	ADV
bjmsr-453	14	25	accurately	accurately	ADV
bjmsr-453	14	26	predict	predict	VERB
bjmsr-453	14	27	the	the	DET
bjmsr-453	14	28	future	future	ADJ
bjmsr-453	14	29	credit	credit	NOUN
bjmsr-453	14	30	performance	performance	NOUN
bjmsr-453	14	31	of	of	ADP
bjmsr-453	14	32	individuals	individual	NOUN
bjmsr-453	14	33	,	,	PUNCT
bjmsr-453	14	34	improve	improve	VERB
bjmsr-453	14	35	the	the	DET
bjmsr-453	14	36	efficiency	efficiency	NOUN
bjmsr-453	14	37	of	of	ADP
bjmsr-453	14	38	operation	operation	NOUN
bjmsr-453	14	39	,	,	PUNCT
bjmsr-453	14	40	reduce	reduce	VERB
bjmsr-453	14	41	the	the	DET
bjmsr-453	14	42	cost	cost	NOUN
bjmsr-453	14	43	of	of	ADP
bjmsr-453	14	44	credit	credit	NOUN
bjmsr-453	14	45	granting	granting	NOUN
bjmsr-453	14	46	,	,	PUNCT
bjmsr-453	14	47	and	and	CCONJ
bjmsr-453	14	48	accurately	accurately	ADV
bjmsr-453	14	49	estimate	estimate	VERB
bjmsr-453	14	50	the	the	DET
bjmsr-453	14	51	risk	risk	NOUN
bjmsr-453	14	52	of	of	ADP
bjmsr-453	14	53	consumer	consumer	NOUN
bjmsr-453	14	54	credit	credit	NOUN
bjmsr-453	14	55	,	,	PUNCT
bjmsr-453	14	56	which	which	PRON
bjmsr-453	14	57	is	be	AUX
bjmsr-453	14	58	an	an	DET
bjmsr-453	14	59	essential	essential	ADJ
bjmsr-453	14	60	tool	tool	NOUN
bjmsr-453	14	61	for	for	ADP
bjmsr-453	14	62	the	the	DET
bjmsr-453	14	63	internal	internal	ADJ
bjmsr-453	14	64	scoring	scoring	NOUN
bjmsr-453	14	65	of	of	ADP
bjmsr-453	14	66	financial	financial	ADJ
bjmsr-453	14	67	institutions	institution	NOUN
bjmsr-453	14	68	(	(	PUNCT
bjmsr-453	14	69	hsieh	hsieh	PROPN
bjmsr-453	14	70	&	&	CCONJ
bjmsr-453	14	71	hung	hung	PROPN
bjmsr-453	14	72	,	,	PUNCT
bjmsr-453	14	73	2010	2010	NUM
bjmsr-453	14	74	)	)	PUNCT
bjmsr-453	14	75	.	.	PUNCT
bjmsr-453	15	1	therefore	therefore	ADV
bjmsr-453	15	2	,	,	PUNCT
bjmsr-453	15	3	the	the	DET
bjmsr-453	15	4	establishment	establishment	NOUN
bjmsr-453	15	5	of	of	ADP
bjmsr-453	15	6	an	an	DET
bjmsr-453	15	7	accurate	accurate	ADJ
bjmsr-453	15	8	credit	credit	NOUN
bjmsr-453	15	9	scoring	scoring	NOUN
bjmsr-453	15	10	system	system	NOUN
bjmsr-453	15	11	is	be	AUX
bjmsr-453	15	12	of	of	ADP
bjmsr-453	15	13	considerable	considerable	ADJ
bjmsr-453	15	14	significance	significance	NOUN
bjmsr-453	15	15	to	to	ADP
bjmsr-453	15	16	enterprises	enterprise	NOUN
bjmsr-453	15	17	.	.	PUNCT
bjmsr-453	16	1	the	the	DET
bjmsr-453	16	2	model	model	NOUN
bjmsr-453	16	3	of	of	ADP
bjmsr-453	16	4	individual	individual	ADJ
bjmsr-453	16	5	credit	credit	NOUN
bjmsr-453	16	6	rating	rating	NOUN
bjmsr-453	16	7	is	be	AUX
bjmsr-453	16	8	to	to	PART
bjmsr-453	16	9	use	use	VERB
bjmsr-453	16	10	statistical	statistical	ADJ
bjmsr-453	16	11	analysis	analysis	NOUN
bjmsr-453	16	12	method	method	NOUN
bjmsr-453	16	13	and	and	CCONJ
bjmsr-453	16	14	data	datum	NOUN
bjmsr-453	16	15	mining	mining	NOUN
bjmsr-453	16	16	technology	technology	NOUN
bjmsr-453	16	17	to	to	PART
bjmsr-453	16	18	analyze	analyze	VERB
bjmsr-453	16	19	the	the	DET
bjmsr-453	16	20	primary	primary	ADJ
bjmsr-453	16	21	personal	personal	ADJ
bjmsr-453	16	22	information	information	NOUN
bjmsr-453	16	23	data	datum	NOUN
bjmsr-453	16	24	and	and	CCONJ
bjmsr-453	16	25	transform	transform	VERB
bjmsr-453	16	26	the	the	DET
bjmsr-453	16	27	current	current	ADJ
bjmsr-453	16	28	personal	personal	ADJ
bjmsr-453	16	29	information	information	NOUN
bjmsr-453	16	30	data	datum	NOUN
bjmsr-453	16	31	into	into	ADP
bjmsr-453	16	32	a	a	DET
bjmsr-453	16	33	specific	specific	ADJ
bjmsr-453	16	34	credit	credit	NOUN
bjmsr-453	16	35	risk	risk	NOUN
bjmsr-453	16	36	value	value	NOUN
bjmsr-453	16	37	with	with	ADP
bjmsr-453	16	38	high	high	ADJ
bjmsr-453	16	39	recognition	recognition	NOUN
bjmsr-453	16	40	(	(	PUNCT
bjmsr-453	16	41	west	west	PROPN
bjmsr-453	16	42	,	,	PUNCT
bjmsr-453	16	43	2000	2000	NUM
bjmsr-453	16	44	;	;	PUNCT
bjmsr-453	16	45	huang	huang	PROPN
bjmsr-453	16	46	et	et	PROPN
bjmsr-453	16	47	al	al	PROPN
bjmsr-453	16	48	.	.	PROPN
bjmsr-453	16	49	,	,	PUNCT
bjmsr-453	16	50	2007	2007	NUM
bjmsr-453	16	51	)	)	PUNCT
bjmsr-453	16	52	.	.	PUNCT
bjmsr-453	17	1	in	in	ADP
bjmsr-453	17	2	the	the	DET
bjmsr-453	17	3	past	past	NOUN
bjmsr-453	17	4	,	,	PUNCT
bjmsr-453	17	5	china	china	PROPN
bjmsr-453	17	6	mainly	mainly	ADV
bjmsr-453	17	7	relied	rely	VERB
bjmsr-453	17	8	on	on	ADP
bjmsr-453	17	9	the	the	DET
bjmsr-453	17	10	experience	experience	NOUN
bjmsr-453	17	11	of	of	ADP
bjmsr-453	17	12	credit	credit	NOUN
bjmsr-453	17	13	officers	officer	NOUN
bjmsr-453	17	14	to	to	PART
bjmsr-453	17	15	judge	judge	VERB
bjmsr-453	17	16	the	the	DET
bjmsr-453	17	17	credit	credit	NOUN
bjmsr-453	17	18	status	status	NOUN
bjmsr-453	17	19	of	of	ADP
bjmsr-453	17	20	customers	customer	NOUN
bjmsr-453	17	21	.	.	PUNCT
bjmsr-453	18	1	there	there	PRON
bjmsr-453	18	2	has	have	AUX
bjmsr-453	18	3	been	be	AUX
bjmsr-453	18	4	severe	severe	ADJ
bjmsr-453	18	5	information	information	NOUN
bjmsr-453	18	6	asymmetry	asymmetry	NOUN
bjmsr-453	18	7	between	between	ADP
bjmsr-453	18	8	credit	credit	NOUN
bjmsr-453	18	9	institutions	institution	NOUN
bjmsr-453	18	10	and	and	CCONJ
bjmsr-453	18	11	customers	customer	NOUN
bjmsr-453	18	12	(	(	PUNCT
bjmsr-453	18	13	stiglitz	stiglitz	NOUN
bjmsr-453	18	14	,	,	PUNCT
bjmsr-453	18	15	1993	1993	NUM
bjmsr-453	18	16	)	)	PUNCT
bjmsr-453	18	17	which	which	PRON
bjmsr-453	18	18	makes	make	VERB
bjmsr-453	18	19	credit	credit	NOUN
bjmsr-453	18	20	institutions	institution	NOUN
bjmsr-453	18	21	unable	unable	ADJ
bjmsr-453	18	22	to	to	PART
bjmsr-453	18	23	accurately	accurately	ADV
bjmsr-453	18	24	measure	measure	VERB
bjmsr-453	18	25	the	the	DET
bjmsr-453	18	26	credit	credit	NOUN
bjmsr-453	18	27	status	status	NOUN
bjmsr-453	18	28	and	and	CCONJ
bjmsr-453	18	29	risk	risk	NOUN
bjmsr-453	18	30	of	of	ADP
bjmsr-453	18	31	lenders	lender	NOUN
bjmsr-453	18	32	,	,	PUNCT
bjmsr-453	18	33	which	which	PRON
bjmsr-453	18	34	may	may	AUX
bjmsr-453	18	35	lead	lead	VERB
bjmsr-453	18	36	to	to	ADP
bjmsr-453	18	37	credit	credit	NOUN
bjmsr-453	18	38	errors	error	NOUN
bjmsr-453	18	39	and	and	CCONJ
bjmsr-453	18	40	directly	directly	ADV
bjmsr-453	18	41	threaten	threaten	VERB
bjmsr-453	18	42	the	the	DET
bjmsr-453	18	43	interests	interest	NOUN
bjmsr-453	18	44	of	of	ADP
bjmsr-453	18	45	credit	credit	NOUN
bjmsr-453	18	46	institutions	institution	NOUN
bjmsr-453	18	47	and	and	CCONJ
bjmsr-453	18	48	the	the	DET
bjmsr-453	18	49	healthy	healthy	ADJ
bjmsr-453	18	50	development	development	NOUN
bjmsr-453	18	51	of	of	ADP
bjmsr-453	18	52	credit	credit	NOUN
bjmsr-453	18	53	market	market	NOUN
bjmsr-453	18	54	(	(	PUNCT
bjmsr-453	18	55	hoff	hoff	PROPN
bjmsr-453	18	56	&	&	CCONJ
bjmsr-453	18	57	stiglitz	stiglitz	PROPN
bjmsr-453	18	58	,	,	PUNCT
bjmsr-453	18	59	1990	1990	NUM
bjmsr-453	18	60	)	)	PUNCT
bjmsr-453	18	61	.	.	PUNCT
bjmsr-453	19	1	although	although	SCONJ
bjmsr-453	19	2	other	other	ADJ
bjmsr-453	19	3	countries	country	NOUN
bjmsr-453	19	4	have	have	VERB
bjmsr-453	19	5	a	a	DET
bjmsr-453	19	6	very	very	ADV
bjmsr-453	19	7	mature	mature	ADJ
bjmsr-453	19	8	experience	experience	NOUN
bjmsr-453	19	9	in	in	ADP
bjmsr-453	19	10	credit	credit	NOUN
bjmsr-453	19	11	scoring	scoring	NOUN
bjmsr-453	19	12	and	and	CCONJ
bjmsr-453	19	13	have	have	AUX
bjmsr-453	19	14	used	use	VERB
bjmsr-453	19	15	the	the	DET
bjmsr-453	19	16	combination	combination	NOUN
bjmsr-453	19	17	of	of	ADP
bjmsr-453	19	18	traditional	traditional	ADJ
bjmsr-453	19	19	statistics	statistic	NOUN
bjmsr-453	19	20	and	and	CCONJ
bjmsr-453	19	21	machine	machine	NOUN
bjmsr-453	19	22	learning	learn	VERB
bjmsr-453	19	23	to	to	PART
bjmsr-453	19	24	evaluate	evaluate	VERB
bjmsr-453	19	25	customer	customer	NOUN
bjmsr-453	19	26	credit	credit	NOUN
bjmsr-453	19	27	quantitatively	quantitatively	ADV
bjmsr-453	19	28	(	(	PUNCT
bjmsr-453	19	29	thomas	thomas	PROPN
bjmsr-453	19	30	,	,	PUNCT
bjmsr-453	19	31	2000	2000	NUM
bjmsr-453	19	32	)	)	PUNCT
bjmsr-453	19	33	but	but	CCONJ
bjmsr-453	19	34	because	because	SCONJ
bjmsr-453	19	35	there	there	PRON
bjmsr-453	19	36	is	be	VERB
bjmsr-453	19	37	no	no	DET
bjmsr-453	19	38	unified	unified	ADJ
bjmsr-453	19	39	data	datum	NOUN
bjmsr-453	19	40	source	source	NOUN
bjmsr-453	19	41	and	and	CCONJ
bjmsr-453	19	42	credit	credit	NOUN
bjmsr-453	19	43	evaluation	evaluation	NOUN
bjmsr-453	19	44	system	system	NOUN
bjmsr-453	19	45	in	in	ADP
bjmsr-453	19	46	china	china	PROPN
bjmsr-453	19	47	at	at	ADP
bjmsr-453	19	48	present	present	ADJ
bjmsr-453	19	49	,	,	PUNCT
bjmsr-453	19	50	so	so	SCONJ
bjmsr-453	19	51	foreign	foreign	ADJ
bjmsr-453	19	52	experience	experience	NOUN
bjmsr-453	19	53	is	be	AUX
bjmsr-453	19	54	not	not	PART
bjmsr-453	19	55	applicable	applicable	ADJ
bjmsr-453	19	56	,	,	PUNCT
bjmsr-453	19	57	so	so	CCONJ
bjmsr-453	19	58	it	it	PRON
bjmsr-453	19	59	is	be	AUX
bjmsr-453	19	60	necessary	necessary	ADJ
bjmsr-453	19	61	to	to	PART
bjmsr-453	19	62	form	form	VERB
bjmsr-453	19	63	a	a	DET
bjmsr-453	19	64	set	set	NOUN
bjmsr-453	19	65	of	of	ADP
bjmsr-453	19	66	personal	personal	ADJ
bjmsr-453	19	67	credit	credit	NOUN
bjmsr-453	19	68	reporting	reporting	NOUN
bjmsr-453	19	69	system	system	NOUN
bjmsr-453	19	70	in	in	ADP
bjmsr-453	19	71	line	line	NOUN
bjmsr-453	19	72	with	with	ADP
bjmsr-453	19	73	chinese	chinese	ADJ
bjmsr-453	19	74	characteristics	characteristic	NOUN
bjmsr-453	19	75	and	and	CCONJ
bjmsr-453	19	76	find	find	VERB
bjmsr-453	19	77	a	a	DET
bjmsr-453	19	78	suitable	suitable	ADJ
bjmsr-453	19	79	credit	credit	NOUN
bjmsr-453	19	80	scoring	scoring	NOUN
bjmsr-453	19	81	method	method	NOUN
bjmsr-453	19	82	(	(	PUNCT
bjmsr-453	19	83	allen	allen	PROPN
bjmsr-453	19	84	et	et	PROPN
bjmsr-453	19	85	al	al	PROPN
bjmsr-453	19	86	.	.	PROPN
bjmsr-453	19	87	,	,	PUNCT
bjmsr-453	19	88	2007	2007	NUM
bjmsr-453	19	89	)	)	PUNCT
bjmsr-453	19	90	.	.	PUNCT
bjmsr-453	20	1	based	base	VERB
bjmsr-453	20	2	on	on	ADP
bjmsr-453	20	3	the	the	DET
bjmsr-453	20	4	above	above	ADJ
bjmsr-453	20	5	conditions	condition	NOUN
bjmsr-453	20	6	,	,	PUNCT
bjmsr-453	20	7	this	this	DET
bjmsr-453	20	8	paper	paper	NOUN
bjmsr-453	20	9	bases	basis	NOUN
bjmsr-453	20	10	on	on	ADP
bjmsr-453	20	11	the	the	DET
bjmsr-453	20	12	underlying	underlie	VERB
bjmsr-453	20	13	theory	theory	NOUN
bjmsr-453	20	14	and	and	CCONJ
bjmsr-453	20	15	practice	practice	NOUN
bjmsr-453	20	16	apply	apply	VERB
bjmsr-453	20	17	the	the	DET
bjmsr-453	20	18	appropriate	appropriate	ADJ
bjmsr-453	20	19	methods	method	NOUN
bjmsr-453	20	20	of	of	ADP
bjmsr-453	20	21	data	datum	NOUN
bjmsr-453	20	22	mining	mining	NOUN
bjmsr-453	20	23	and	and	CCONJ
bjmsr-453	20	24	statistics	statistic	NOUN
bjmsr-453	20	25	and	and	CCONJ
bjmsr-453	20	26	uses	use	VERB
bjmsr-453	20	27	the	the	DET
bjmsr-453	20	28	historical	historical	ADJ
bjmsr-453	20	29	business	business	NOUN
bjmsr-453	20	30	data	datum	NOUN
bjmsr-453	20	31	of	of	ADP
bjmsr-453	20	32	a	a	DET
bjmsr-453	20	33	loan	loan	NOUN
bjmsr-453	20	34	institution	institution	NOUN
bjmsr-453	20	35	as	as	ADP
bjmsr-453	20	36	the	the	DET
bjmsr-453	20	37	original	original	ADJ
bjmsr-453	20	38	data	datum	NOUN
bjmsr-453	20	39	based	base	VERB
bjmsr-453	20	40	on	on	ADP
bjmsr-453	20	41	relevant	relevant	ADJ
bjmsr-453	20	42	study	study	NOUN
bjmsr-453	20	43	experience	experience	NOUN
bjmsr-453	20	44	.	.	PUNCT
bjmsr-453	21	1	in	in	ADP
bjmsr-453	21	2	order	order	NOUN
bjmsr-453	21	3	to	to	PART
bjmsr-453	21	4	construct	construct	VERB
bjmsr-453	21	5	the	the	DET
bjmsr-453	21	6	evaluation	evaluation	NOUN
bjmsr-453	21	7	system	system	NOUN
bjmsr-453	21	8	of	of	ADP
bjmsr-453	21	9	chinese	chinese	ADJ
bjmsr-453	21	10	personal	personal	ADJ
bjmsr-453	21	11	consumption	consumption	NOUN
bjmsr-453	21	12	credit	credit	NOUN
bjmsr-453	21	13	,	,	PUNCT
bjmsr-453	21	14	we	we	PRON
bjmsr-453	21	15	will	will	AUX
bjmsr-453	21	16	provide	provide	VERB
bjmsr-453	21	17	some	some	DET
bjmsr-453	21	18	reference	reference	NOUN
bjmsr-453	21	19	to	to	ADP
bjmsr-453	21	20	the	the	DET
bjmsr-453	21	21	financial	financial	ADJ
bjmsr-453	21	22	institutions	institution	NOUN
bjmsr-453	21	23	and	and	CCONJ
bjmsr-453	21	24	government	government	NOUN
bjmsr-453	21	25	.	.	PUNCT
bjmsr-453	22	1	mailto:e-mail:%20hongjunzeng@protonmail.com	mailto:e-mail:%20hongjunzeng@protonmail.com	PROPN
bjmsr-453	22	2	copyright	copyright	NOUN
bjmsr-453	22	3	©	©	PROPN
bjmsr-453	22	4	cc	cc	PROPN
bjmsr-453	22	5	-	-	PUNCT
bjmsr-453	22	6	by	by	ADP
bjmsr-453	22	7	-	-	PUNCT
bjmsr-453	22	8	nc	nc	PROPN
bjmsr-453	22	9	2020	2020	NUM
bjmsr-453	22	10	,	,	PUNCT
bjmsr-453	22	11	cribfb	cribfb	PROPN
bjmsr-453	22	12	|bjmsr	|bjmsr	PROPN
bjmsr-453	22	13	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	23	1	bangladesh	bangladesh	PROPN
bjmsr-453	23	2	journal	journal	PROPN
bjmsr-453	23	3	of	of	ADP
bjmsr-453	23	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	23	5	scientific	scientific	ADJ
bjmsr-453	23	6	research	research	NOUN
bjmsr-453	23	7	vol	vol	NOUN
bjmsr-453	23	8	.	.	PROPN
bjmsr-453	24	1	2	2	NUM
bjmsr-453	24	2	,	,	PUNCT
bjmsr-453	24	3	no	no	INTJ
bjmsr-453	24	4	.	.	NOUN
bjmsr-453	24	5	1	1	NUM
bjmsr-453	24	6	;	;	PUNCT
bjmsr-453	24	7	2020	2020	NUM
bjmsr-453	24	8	2	2	NUM
bjmsr-453	24	9	1.2	1.2	NUM
bjmsr-453	24	10	literature	literature	NOUN
bjmsr-453	24	11	review	review	NOUN
bjmsr-453	24	12	durand	durand	NOUN
bjmsr-453	24	13	(	(	PUNCT
bjmsr-453	24	14	1941	1941	NUM
bjmsr-453	24	15	)	)	PUNCT
bjmsr-453	24	16	applied	apply	VERB
bjmsr-453	24	17	discriminate	discriminate	VERB
bjmsr-453	24	18	analysis	analysis	NOUN
bjmsr-453	24	19	to	to	ADP
bjmsr-453	24	20	credit	credit	NOUN
bjmsr-453	24	21	scores	score	NOUN
bjmsr-453	24	22	of	of	ADP
bjmsr-453	24	23	commercial	commercial	ADJ
bjmsr-453	24	24	banks	bank	NOUN
bjmsr-453	24	25	.	.	PUNCT
bjmsr-453	25	1	discriminant	discriminant	ADJ
bjmsr-453	25	2	analysis	analysis	NOUN
bjmsr-453	25	3	is	be	AUX
bjmsr-453	25	4	based	base	VERB
bjmsr-453	25	5	on	on	ADP
bjmsr-453	25	6	the	the	DET
bjmsr-453	25	7	original	original	ADJ
bjmsr-453	25	8	classification	classification	NOUN
bjmsr-453	25	9	,	,	PUNCT
bjmsr-453	25	10	when	when	SCONJ
bjmsr-453	25	11	a	a	DET
bjmsr-453	25	12	new	new	ADJ
bjmsr-453	25	13	analytical	analytical	ADJ
bjmsr-453	25	14	sample	sample	NOUN
bjmsr-453	25	15	is	be	AUX
bjmsr-453	25	16	encountered	encounter	VERB
bjmsr-453	25	17	,	,	PUNCT
bjmsr-453	25	18	i.e.	i.e.	X
bjmsr-453	25	19	,	,	PUNCT
bjmsr-453	25	20	pass	pass	VERB
bjmsr-453	25	21	.	.	PUNCT
bjmsr-453	26	1	this	this	DET
bjmsr-453	26	2	classification	classification	NOUN
bjmsr-453	26	3	method	method	NOUN
bjmsr-453	26	4	is	be	AUX
bjmsr-453	26	5	used	use	VERB
bjmsr-453	26	6	to	to	PART
bjmsr-453	26	7	select	select	VERB
bjmsr-453	26	8	specific	specific	ADJ
bjmsr-453	26	9	evaluation	evaluation	NOUN
bjmsr-453	26	10	criteria	criterion	NOUN
bjmsr-453	26	11	as	as	ADP
bjmsr-453	26	12	the	the	DET
bjmsr-453	26	13	basis	basis	NOUN
bjmsr-453	26	14	for	for	ADP
bjmsr-453	26	15	judging	judge	VERB
bjmsr-453	26	16	the	the	DET
bjmsr-453	26	17	group	group	NOUN
bjmsr-453	26	18	in	in	ADP
bjmsr-453	26	19	which	which	PRON
bjmsr-453	26	20	the	the	DET
bjmsr-453	26	21	new	new	ADJ
bjmsr-453	26	22	sample	sample	NOUN
bjmsr-453	26	23	is	be	AUX
bjmsr-453	26	24	located	locate	VERB
bjmsr-453	26	25	(	(	PUNCT
bjmsr-453	26	26	eisenbeis	eisenbeis	NOUN
bjmsr-453	26	27	,	,	PUNCT
bjmsr-453	26	28	1977	1977	NUM
bjmsr-453	26	29	;	;	PUNCT
bjmsr-453	26	30	wind	wind	NOUN
bjmsr-453	26	31	,	,	PUNCT
bjmsr-453	26	32	1978	1978	NUM
bjmsr-453	26	33	;	;	PUNCT
bjmsr-453	26	34	day	day	NOUN
bjmsr-453	26	35	et	et	PROPN
bjmsr-453	26	36	al	al	PROPN
bjmsr-453	26	37	.	.	PROPN
bjmsr-453	26	38	,	,	PUNCT
bjmsr-453	26	39	1978	1978	NUM
bjmsr-453	26	40	)	)	PUNCT
bjmsr-453	26	41	.	.	PUNCT
bjmsr-453	27	1	on	on	ADP
bjmsr-453	27	2	this	this	DET
bjmsr-453	27	3	basis	basis	NOUN
bjmsr-453	27	4	,	,	PUNCT
bjmsr-453	27	5	new	new	ADJ
bjmsr-453	27	6	discriminant	discriminant	NOUN
bjmsr-453	27	7	samples	sample	NOUN
bjmsr-453	27	8	can	can	AUX
bjmsr-453	27	9	be	be	AUX
bjmsr-453	27	10	classified	classify	VERB
bjmsr-453	27	11	into	into	ADP
bjmsr-453	27	12	known	know	VERB
bjmsr-453	27	13	taxonomic	taxonomic	ADJ
bjmsr-453	27	14	groups	group	NOUN
bjmsr-453	27	15	.	.	PUNCT
bjmsr-453	28	1	commonly	commonly	ADV
bjmsr-453	28	2	used	use	VERB
bjmsr-453	28	3	discriminants	discriminant	NOUN
bjmsr-453	28	4	distance	distance	NOUN
bjmsr-453	28	5	discrimination	discrimination	NOUN
bjmsr-453	28	6	,	,	PUNCT
bjmsr-453	28	7	bayesian	bayesian	NOUN
bjmsr-453	28	8	discrimination	discrimination	NOUN
bjmsr-453	28	9	and	and	CCONJ
bjmsr-453	28	10	fisher	fisher	PROPN
bjmsr-453	28	11	discrimination	discrimination	NOUN
bjmsr-453	28	12	are	be	AUX
bjmsr-453	28	13	the	the	DET
bjmsr-453	28	14	methods	method	NOUN
bjmsr-453	28	15	of	of	ADP
bjmsr-453	28	16	analysis	analysis	NOUN
bjmsr-453	28	17	(	(	PUNCT
bjmsr-453	28	18	lachenbruchm	lachenbruchm	PROPN
bjmsr-453	28	19	&	&	CCONJ
bjmsr-453	28	20	goldstein	goldstein	PROPN
bjmsr-453	28	21	,	,	PUNCT
bjmsr-453	28	22	1979	1979	NUM
bjmsr-453	28	23	;	;	PUNCT
bjmsr-453	28	24	ripley	ripley	PROPN
bjmsr-453	28	25	,	,	PUNCT
bjmsr-453	28	26	1994	1994	NUM
bjmsr-453	28	27	)	)	PUNCT
bjmsr-453	28	28	.	.	PUNCT
bjmsr-453	29	1	discriminant	discriminant	ADJ
bjmsr-453	29	2	analysis	analysis	NOUN
bjmsr-453	29	3	was	be	AUX
bjmsr-453	29	4	also	also	ADV
bjmsr-453	29	5	used	use	VERB
bjmsr-453	29	6	to	to	PART
bjmsr-453	29	7	develop	develop	VERB
bjmsr-453	29	8	the	the	DET
bjmsr-453	29	9	credit	credit	NOUN
bjmsr-453	29	10	model	model	NOUN
bjmsr-453	29	11	(	(	PUNCT
bjmsr-453	29	12	desai	desai	PROPN
bjmsr-453	29	13	et	et	PROPN
bjmsr-453	29	14	al	al	PROPN
bjmsr-453	29	15	.	.	PROPN
bjmsr-453	29	16	,	,	PUNCT
bjmsr-453	29	17	1996	1996	NUM
bjmsr-453	29	18	;	;	PUNCT
bjmsr-453	29	19	dorronsoro	dorronsoro	PROPN
bjmsr-453	29	20	et	et	PROPN
bjmsr-453	29	21	al	al	PROPN
bjmsr-453	29	22	.	.	PROPN
bjmsr-453	29	23	,	,	PUNCT
bjmsr-453	29	24	1997	1997	NUM
bjmsr-453	29	25	)	)	PUNCT
bjmsr-453	29	26	.	.	PUNCT
bjmsr-453	30	1	fico	fico	PROPN
bjmsr-453	30	2	scores	score	NOUN
bjmsr-453	30	3	constructed	construct	VERB
bjmsr-453	30	4	with	with	ADP
bjmsr-453	30	5	discriminant	discriminant	ADJ
bjmsr-453	30	6	analysis	analysis	NOUN
bjmsr-453	30	7	as	as	SCONJ
bjmsr-453	30	8	the	the	DET
bjmsr-453	30	9	core	core	NOUN
bjmsr-453	30	10	are	be	AUX
bjmsr-453	30	11	widely	widely	ADV
bjmsr-453	30	12	used	use	VERB
bjmsr-453	30	13	in	in	ADP
bjmsr-453	30	14	the	the	DET
bjmsr-453	30	15	field	field	NOUN
bjmsr-453	30	16	of	of	ADP
bjmsr-453	30	17	credit	credit	NOUN
bjmsr-453	30	18	scoring	scoring	NOUN
bjmsr-453	30	19	by	by	ADP
bjmsr-453	30	20	chen	chen	PROPN
bjmsr-453	30	21	&	&	CCONJ
bjmsr-453	30	22	chen	chen	PROPN
bjmsr-453	30	23	(	(	PUNCT
bjmsr-453	30	24	2010	2010	NUM
bjmsr-453	30	25	)	)	PUNCT
bjmsr-453	30	26	used	use	VERB
bjmsr-453	30	27	the	the	DET
bjmsr-453	30	28	latest	late	ADJ
bjmsr-453	30	29	semi	semi	ADJ
bjmsr-453	30	30	-	-	ADJ
bjmsr-453	30	31	supervised	supervised	ADJ
bjmsr-453	30	32	nonparametric	nonparametric	NOUN
bjmsr-453	30	33	discriminant	discriminant	ADJ
bjmsr-453	30	34	analysis	analysis	NOUN
bjmsr-453	30	35	(	(	PUNCT
bjmsr-453	30	36	snda	snda	PROPN
bjmsr-453	30	37	)	)	PUNCT
bjmsr-453	30	38	,	,	PUNCT
bjmsr-453	30	39	sparse	sparse	ADJ
bjmsr-453	30	40	tensor	tensor	NOUN
bjmsr-453	30	41	discriminant	discriminant	NOUN
bjmsr-453	30	42	analysis	analysis	NOUN
bjmsr-453	30	43	(	(	PUNCT
bjmsr-453	30	44	stda	stda	NOUN
bjmsr-453	30	45	)	)	PUNCT
bjmsr-453	30	46	,	,	PUNCT
bjmsr-453	30	47	semi	semi	ADJ
bjmsr-453	30	48	-	-	ADJ
bjmsr-453	30	49	supervised	supervised	ADJ
bjmsr-453	30	50	discriminant	discriminant	ADJ
bjmsr-453	30	51	analysis	analysis	NOUN
bjmsr-453	30	52	(	(	PUNCT
bjmsr-453	30	53	sda	sda	NOUN
bjmsr-453	30	54	)	)	PUNCT
bjmsr-453	30	55	,	,	PUNCT
bjmsr-453	30	56	sparse	sparse	VERB
bjmsr-453	30	57	discriminant	discriminant	ADJ
bjmsr-453	30	58	analysis	analysis	NOUN
bjmsr-453	30	59	(	(	PUNCT
bjmsr-453	30	60	sparse	sparse	ADJ
bjmsr-453	30	61	da	da	NOUN
bjmsr-453	30	62	)	)	PUNCT
bjmsr-453	30	63	,	,	PUNCT
bjmsr-453	30	64	fisher	fisher	PROPN
bjmsr-453	30	65	discriminant	discriminant	VERB
bjmsr-453	30	66	analysis	analysis	NOUN
bjmsr-453	30	67	(	(	PUNCT
bjmsr-453	30	68	fda	fda	PROPN
bjmsr-453	30	69	)	)	PUNCT
bjmsr-453	30	70	,	,	PUNCT
bjmsr-453	30	71	and	and	CCONJ
bjmsr-453	30	72	multivariate	multivariate	VERB
bjmsr-453	30	73	discriminant	discriminant	ADJ
bjmsr-453	30	74	analysis	analysis	NOUN
bjmsr-453	30	75	(	(	PUNCT
bjmsr-453	30	76	mda	mda	PROPN
bjmsr-453	30	77	)	)	PUNCT
bjmsr-453	30	78	to	to	PART
bjmsr-453	30	79	construct	construct	VERB
bjmsr-453	30	80	credit	credit	NOUN
bjmsr-453	30	81	score	score	NOUN
bjmsr-453	30	82	models	model	NOUN
bjmsr-453	30	83	,	,	PUNCT
bjmsr-453	30	84	respectively	respectively	ADV
bjmsr-453	30	85	,	,	PUNCT
bjmsr-453	30	86	and	and	CCONJ
bjmsr-453	30	87	the	the	DET
bjmsr-453	30	88	results	result	NOUN
bjmsr-453	30	89	showed	show	VERB
bjmsr-453	30	90	that	that	PRON
bjmsr-453	30	91	snda	snda	NOUN
bjmsr-453	30	92	,	,	PUNCT
bjmsr-453	30	93	stda	stda	VERB
bjmsr-453	30	94	,	,	PUNCT
bjmsr-453	30	95	and	and	CCONJ
bjmsr-453	30	96	sda	sda	NOUN
bjmsr-453	30	97	performed	perform	VERB
bjmsr-453	30	98	better	well	ADV
bjmsr-453	30	99	than	than	ADP
bjmsr-453	30	100	other	other	ADJ
bjmsr-453	30	101	discriminant	discriminant	NOUN
bjmsr-453	30	102	analyses	analysis	NOUN
bjmsr-453	30	103	.	.	PUNCT
bjmsr-453	31	1	wiginton	wiginton	NOUN
bjmsr-453	31	2	(	(	PUNCT
bjmsr-453	31	3	1980	1980	NUM
bjmsr-453	31	4	)	)	PUNCT
bjmsr-453	31	5	used	use	VERB
bjmsr-453	31	6	discriminant	discriminant	ADJ
bjmsr-453	31	7	analysis	analysis	NOUN
bjmsr-453	31	8	and	and	CCONJ
bjmsr-453	31	9	logistic	logistic	ADJ
bjmsr-453	31	10	regression	regression	NOUN
bjmsr-453	31	11	to	to	PART
bjmsr-453	31	12	construct	construct	VERB
bjmsr-453	31	13	a	a	DET
bjmsr-453	31	14	credit	credit	NOUN
bjmsr-453	31	15	score	score	NOUN
bjmsr-453	31	16	model	model	NOUN
bjmsr-453	31	17	from	from	ADP
bjmsr-453	31	18	1967	1967	NUM
bjmsr-453	31	19	to	to	ADP
bjmsr-453	31	20	1968	1968	NUM
bjmsr-453	31	21	.	.	PUNCT
bjmsr-453	32	1	the	the	DET
bjmsr-453	32	2	results	result	NOUN
bjmsr-453	32	3	indicated	indicate	VERB
bjmsr-453	32	4	that	that	SCONJ
bjmsr-453	32	5	logistic	logistic	ADJ
bjmsr-453	32	6	regression	regression	NOUN
bjmsr-453	32	7	was	be	AUX
bjmsr-453	32	8	superior	superior	ADJ
bjmsr-453	32	9	to	to	PART
bjmsr-453	32	10	discriminant	discriminant	VERB
bjmsr-453	32	11	analysis	analysis	NOUN
bjmsr-453	32	12	.	.	PUNCT
bjmsr-453	33	1	shi	shi	PROPN
bjmsr-453	33	2	&	&	CCONJ
bjmsr-453	33	3	he	he	PRON
bjmsr-453	33	4	(	(	PUNCT
bjmsr-453	33	5	2015	2015	NUM
bjmsr-453	33	6	)	)	PUNCT
bjmsr-453	33	7	introduced	introduce	VERB
bjmsr-453	33	8	the	the	DET
bjmsr-453	33	9	idea	idea	NOUN
bjmsr-453	33	10	of	of	ADP
bjmsr-453	33	11	asymmetric	asymmetric	ADJ
bjmsr-453	33	12	function	function	NOUN
bjmsr-453	33	13	in	in	ADP
bjmsr-453	33	14	credit	credit	NOUN
bjmsr-453	33	15	rating	rating	NOUN
bjmsr-453	33	16	,	,	PUNCT
bjmsr-453	33	17	took	take	VERB
bjmsr-453	33	18	the	the	DET
bjmsr-453	33	19	distribution	distribution	NOUN
bjmsr-453	33	20	function	function	NOUN
bjmsr-453	33	21	of	of	ADP
bjmsr-453	33	22	biased	biased	ADJ
bjmsr-453	33	23	logistic	logistic	ADJ
bjmsr-453	33	24	distribution	distribution	NOUN
bjmsr-453	33	25	as	as	ADP
bjmsr-453	33	26	the	the	DET
bjmsr-453	33	27	inverse	inverse	NOUN
bjmsr-453	33	28	function	function	NOUN
bjmsr-453	33	29	of	of	ADP
bjmsr-453	33	30	connection	connection	NOUN
bjmsr-453	33	31	,	,	PUNCT
bjmsr-453	33	32	and	and	CCONJ
bjmsr-453	33	33	conducted	conduct	VERB
bjmsr-453	33	34	a	a	DET
bjmsr-453	33	35	comparative	comparative	ADJ
bjmsr-453	33	36	empirical	empirical	ADJ
bjmsr-453	33	37	analysis	analysis	NOUN
bjmsr-453	33	38	using	use	VERB
bjmsr-453	33	39	personal	personal	ADJ
bjmsr-453	33	40	credit	credit	NOUN
bjmsr-453	33	41	data	datum	NOUN
bjmsr-453	33	42	of	of	ADP
bjmsr-453	33	43	a	a	DET
bjmsr-453	33	44	financial	financial	ADJ
bjmsr-453	33	45	institution	institution	NOUN
bjmsr-453	33	46	.	.	PUNCT
bjmsr-453	34	1	the	the	DET
bjmsr-453	34	2	results	result	NOUN
bjmsr-453	34	3	indicate	indicate	VERB
bjmsr-453	34	4	that	that	SCONJ
bjmsr-453	34	5	the	the	DET
bjmsr-453	34	6	effect	effect	NOUN
bjmsr-453	34	7	of	of	ADP
bjmsr-453	34	8	the	the	DET
bjmsr-453	34	9	biased	bias	VERB
bjmsr-453	34	10	logistic	logistic	ADJ
bjmsr-453	34	11	regression	regression	NOUN
bjmsr-453	34	12	model	model	NOUN
bjmsr-453	34	13	was	be	AUX
bjmsr-453	34	14	better	well	ADJ
bjmsr-453	34	15	than	than	ADP
bjmsr-453	34	16	that	that	PRON
bjmsr-453	34	17	of	of	ADP
bjmsr-453	34	18	the	the	DET
bjmsr-453	34	19	ordinary	ordinary	ADJ
bjmsr-453	34	20	logistic	logistic	ADJ
bjmsr-453	34	21	regression	regression	NOUN
bjmsr-453	34	22	model	model	NOUN
bjmsr-453	34	23	,	,	PUNCT
bjmsr-453	34	24	and	and	CCONJ
bjmsr-453	34	25	the	the	DET
bjmsr-453	34	26	effect	effect	NOUN
bjmsr-453	34	27	of	of	ADP
bjmsr-453	34	28	the	the	DET
bjmsr-453	34	29	biased	bias	VERB
bjmsr-453	34	30	logistic	logistic	ADJ
bjmsr-453	34	31	regression	regression	NOUN
bjmsr-453	34	32	model	model	NOUN
bjmsr-453	34	33	was	be	AUX
bjmsr-453	34	34	better	well	ADJ
bjmsr-453	34	35	than	than	ADP
bjmsr-453	34	36	that	that	PRON
bjmsr-453	34	37	of	of	ADP
bjmsr-453	34	38	the	the	DET
bjmsr-453	34	39	decision	decision	NOUN
bjmsr-453	34	40	tree	tree	NOUN
bjmsr-453	34	41	,	,	PUNCT
bjmsr-453	34	42	neural	neural	ADJ
bjmsr-453	34	43	network	network	NOUN
bjmsr-453	34	44	and	and	CCONJ
bjmsr-453	34	45	support	support	NOUN
bjmsr-453	34	46	vector	vector	NOUN
bjmsr-453	34	47	machine	machine	NOUN
bjmsr-453	34	48	in	in	ADP
bjmsr-453	34	49	10	10	NUM
bjmsr-453	34	50	%	%	NOUN
bjmsr-453	34	51	default	default	NOUN
bjmsr-453	34	52	data	datum	NOUN
bjmsr-453	34	53	set	set	VERB
bjmsr-453	34	54	.	.	PUNCT
bjmsr-453	35	1	sohn	sohn	PROPN
bjmsr-453	35	2	et	et	PROPN
bjmsr-453	35	3	al	al	PROPN
bjmsr-453	35	4	.	.	PROPN
bjmsr-453	35	5	,	,	PUNCT
bjmsr-453	35	6	(	(	PUNCT
bjmsr-453	35	7	2016	2016	NUM
bjmsr-453	35	8	)	)	PUNCT
bjmsr-453	35	9	applies	apply	VERB
bjmsr-453	35	10	a	a	DET
bjmsr-453	35	11	fuzzy	fuzzy	ADJ
bjmsr-453	35	12	logistic	logistic	ADJ
bjmsr-453	35	13	regression	regression	NOUN
bjmsr-453	35	14	model	model	NOUN
bjmsr-453	35	15	that	that	PRON
bjmsr-453	35	16	was	be	AUX
bjmsr-453	35	17	established	establish	VERB
bjmsr-453	35	18	by	by	ADP
bjmsr-453	35	19	using	use	VERB
bjmsr-453	35	20	the	the	DET
bjmsr-453	35	21	data	datum	NOUN
bjmsr-453	35	22	of	of	ADP
bjmsr-453	35	23	4446	4446	NUM
bjmsr-453	35	24	loan	loan	NOUN
bjmsr-453	35	25	applicants	applicant	NOUN
bjmsr-453	35	26	and	and	CCONJ
bjmsr-453	35	27	loan	loan	NOUN
bjmsr-453	35	28	default	default	NOUN
bjmsr-453	35	29	results	result	NOUN
bjmsr-453	35	30	and	and	CCONJ
bjmsr-453	35	31	compared	compare	VERB
bjmsr-453	35	32	with	with	ADP
bjmsr-453	35	33	traditional	traditional	ADJ
bjmsr-453	35	34	logistic	logistic	ADJ
bjmsr-453	35	35	regression	regression	NOUN
bjmsr-453	35	36	.	.	PUNCT
bjmsr-453	36	1	it	it	PRON
bjmsr-453	36	2	was	be	AUX
bjmsr-453	36	3	found	find	VERB
bjmsr-453	36	4	that	that	SCONJ
bjmsr-453	36	5	fuzzy	fuzzy	ADJ
bjmsr-453	36	6	logistic	logistic	ADJ
bjmsr-453	36	7	regression	regression	NOUN
bjmsr-453	36	8	could	could	AUX
bjmsr-453	36	9	improve	improve	VERB
bjmsr-453	36	10	prediction	prediction	NOUN
bjmsr-453	36	11	performance	performance	NOUN
bjmsr-453	36	12	.	.	PUNCT
bjmsr-453	37	1	compared	compare	VERB
bjmsr-453	37	2	with	with	ADP
bjmsr-453	37	3	discriminant	discriminant	ADJ
bjmsr-453	37	4	analysis	analysis	NOUN
bjmsr-453	37	5	,	,	PUNCT
bjmsr-453	37	6	logistic	logistic	ADJ
bjmsr-453	37	7	regression	regression	NOUN
bjmsr-453	37	8	is	be	AUX
bjmsr-453	37	9	easy	easy	ADJ
bjmsr-453	37	10	to	to	PART
bjmsr-453	37	11	calculate	calculate	VERB
bjmsr-453	37	12	and	and	CCONJ
bjmsr-453	37	13	requires	require	VERB
bjmsr-453	37	14	more	more	ADV
bjmsr-453	37	15	relaxed	relaxed	ADJ
bjmsr-453	37	16	data	datum	NOUN
bjmsr-453	37	17	distribution	distribution	NOUN
bjmsr-453	37	18	.	.	PUNCT
bjmsr-453	38	1	so	so	ADV
bjmsr-453	38	2	far	far	ADV
bjmsr-453	38	3	,	,	PUNCT
bjmsr-453	38	4	logistic	logistic	ADJ
bjmsr-453	38	5	regression	regression	NOUN
bjmsr-453	38	6	is	be	AUX
bjmsr-453	38	7	the	the	DET
bjmsr-453	38	8	most	most	ADV
bjmsr-453	38	9	commonly	commonly	ADV
bjmsr-453	38	10	used	use	VERB
bjmsr-453	38	11	credit	credit	NOUN
bjmsr-453	38	12	score	score	NOUN
bjmsr-453	38	13	model	model	NOUN
bjmsr-453	38	14	.	.	PUNCT
bjmsr-453	39	1	since	since	SCONJ
bjmsr-453	39	2	individual	individual	ADJ
bjmsr-453	39	3	credit	credit	NOUN
bjmsr-453	39	4	scoring	scoring	NOUN
bjmsr-453	39	5	models	model	NOUN
bjmsr-453	39	6	have	have	VERB
bjmsr-453	39	7	their	their	PRON
bjmsr-453	39	8	advantages	advantage	NOUN
bjmsr-453	39	9	,	,	PUNCT
bjmsr-453	39	10	scholars	scholar	NOUN
bjmsr-453	39	11	have	have	AUX
bjmsr-453	39	12	begun	begin	VERB
bjmsr-453	39	13	to	to	PART
bjmsr-453	39	14	study	study	VERB
bjmsr-453	39	15	combination	combination	NOUN
bjmsr-453	39	16	models	model	NOUN
bjmsr-453	39	17	,	,	PUNCT
bjmsr-453	39	18	which	which	PRON
bjmsr-453	39	19	are	be	AUX
bjmsr-453	39	20	divided	divide	VERB
bjmsr-453	39	21	into	into	ADP
bjmsr-453	39	22	heterogeneous	heterogeneous	ADJ
bjmsr-453	39	23	integration	integration	NOUN
bjmsr-453	39	24	models	model	NOUN
bjmsr-453	39	25	and	and	CCONJ
bjmsr-453	39	26	homogeneous	homogeneous	ADJ
bjmsr-453	39	27	integration	integration	NOUN
bjmsr-453	39	28	models	model	NOUN
bjmsr-453	39	29	.	.	PUNCT
bjmsr-453	40	1	according	accord	VERB
bjmsr-453	40	2	to	to	ADP
bjmsr-453	40	3	the	the	DET
bjmsr-453	40	4	definition	definition	NOUN
bjmsr-453	40	5	of	of	ADP
bjmsr-453	40	6	random	random	ADJ
bjmsr-453	40	7	forest	forest	NOUN
bjmsr-453	40	8	,	,	PUNCT
bjmsr-453	40	9	random	random	ADJ
bjmsr-453	40	10	forest	forest	NOUN
bjmsr-453	40	11	is	be	AUX
bjmsr-453	40	12	a	a	DET
bjmsr-453	40	13	homogeneous	homogeneous	ADJ
bjmsr-453	40	14	integration	integration	NOUN
bjmsr-453	40	15	of	of	ADP
bjmsr-453	40	16	decision	decision	NOUN
bjmsr-453	40	17	trees	tree	NOUN
bjmsr-453	40	18	.	.	PUNCT
bjmsr-453	41	1	su	su	PROPN
bjmsr-453	42	1	(	(	PUNCT
bjmsr-453	42	2	2018	2018	NUM
bjmsr-453	42	3	)	)	PUNCT
bjmsr-453	42	4	proposed	propose	VERB
bjmsr-453	42	5	a	a	DET
bjmsr-453	42	6	personal	personal	ADJ
bjmsr-453	42	7	credit	credit	NOUN
bjmsr-453	42	8	scoring	scoring	NOUN
bjmsr-453	42	9	model	model	NOUN
bjmsr-453	42	10	based	base	VERB
bjmsr-453	42	11	on	on	ADP
bjmsr-453	42	12	the	the	DET
bjmsr-453	42	13	accompanying	accompanying	ADJ
bjmsr-453	42	14	forest	forest	NOUN
bjmsr-453	42	15	combination	combination	NOUN
bjmsr-453	42	16	.	.	PUNCT
bjmsr-453	43	1	using	use	VERB
bjmsr-453	43	2	the	the	DET
bjmsr-453	43	3	data	datum	NOUN
bjmsr-453	43	4	of	of	ADP
bjmsr-453	43	5	a	a	DET
bjmsr-453	43	6	commercial	commercial	ADJ
bjmsr-453	43	7	bank	bank	NOUN
bjmsr-453	43	8	in	in	ADP
bjmsr-453	43	9	germany	germany	PROPN
bjmsr-453	43	10	for	for	ADP
bjmsr-453	43	11	empirical	empirical	ADJ
bjmsr-453	43	12	analysis	analysis	NOUN
bjmsr-453	43	13	,	,	PUNCT
bjmsr-453	43	14	compared	compare	VERB
bjmsr-453	43	15	with	with	ADP
bjmsr-453	43	16	knn	knn	PROPN
bjmsr-453	43	17	,	,	PUNCT
bjmsr-453	43	18	radial	radial	ADJ
bjmsr-453	43	19	basis	basis	NOUN
bjmsr-453	43	20	based	base	VERB
bjmsr-453	43	21	neural	neural	ADJ
bjmsr-453	43	22	network	network	NOUN
bjmsr-453	43	23	,	,	PUNCT
bjmsr-453	43	24	decision	decision	NOUN
bjmsr-453	43	25	tree	tree	NOUN
bjmsr-453	43	26	,	,	PUNCT
bjmsr-453	43	27	gradient	gradient	ADJ
bjmsr-453	43	28	boosting	boost	VERB
bjmsr-453	43	29	decision	decision	NOUN
bjmsr-453	43	30	tree	tree	NOUN
bjmsr-453	43	31	and	and	CCONJ
bjmsr-453	43	32	support	support	VERB
bjmsr-453	43	33	vector	vector	NOUN
bjmsr-453	43	34	machine	machine	NOUN
bjmsr-453	43	35	,	,	PUNCT
bjmsr-453	43	36	the	the	DET
bjmsr-453	43	37	random	random	ADJ
bjmsr-453	43	38	forest	forest	NOUN
bjmsr-453	43	39	model	model	NOUN
bjmsr-453	43	40	not	not	PART
bjmsr-453	43	41	only	only	ADV
bjmsr-453	43	42	has	have	VERB
bjmsr-453	43	43	high	high	ADJ
bjmsr-453	43	44	accuracy	accuracy	NOUN
bjmsr-453	43	45	but	but	CCONJ
bjmsr-453	43	46	also	also	ADV
bjmsr-453	43	47	has	have	VERB
bjmsr-453	43	48	the	the	DET
bjmsr-453	43	49	characteristics	characteristic	NOUN
bjmsr-453	43	50	of	of	ADP
bjmsr-453	43	51	being	be	AUX
bjmsr-453	43	52	able	able	ADJ
bjmsr-453	43	53	to	to	PART
bjmsr-453	43	54	handle	handle	VERB
bjmsr-453	43	55	noisy	noisy	ADJ
bjmsr-453	43	56	data	datum	NOUN
bjmsr-453	43	57	and	and	CCONJ
bjmsr-453	43	58	good	good	ADJ
bjmsr-453	43	59	generalization	generalization	NOUN
bjmsr-453	43	60	ability	ability	NOUN
bjmsr-453	43	61	.	.	PUNCT
bjmsr-453	44	1	according	accord	VERB
bjmsr-453	44	2	to	to	ADP
bjmsr-453	44	3	the	the	DET
bjmsr-453	44	4	german	german	ADJ
bjmsr-453	44	5	credit	credit	NOUN
bjmsr-453	44	6	data	datum	NOUN
bjmsr-453	44	7	,	,	PUNCT
bjmsr-453	44	8	li	li	PROPN
bjmsr-453	44	9	(	(	PUNCT
bjmsr-453	44	10	2017	2017	NUM
bjmsr-453	44	11	)	)	PUNCT
bjmsr-453	44	12	respectively	respectively	ADV
bjmsr-453	44	13	established	establish	VERB
bjmsr-453	44	14	the	the	DET
bjmsr-453	44	15	logistic	logistic	ADJ
bjmsr-453	44	16	credit	credit	NOUN
bjmsr-453	44	17	score	score	NOUN
bjmsr-453	44	18	model	model	NOUN
bjmsr-453	44	19	and	and	CCONJ
bjmsr-453	44	20	random	random	ADJ
bjmsr-453	44	21	forest	forest	NOUN
bjmsr-453	44	22	credit	credit	NOUN
bjmsr-453	44	23	score	score	NOUN
bjmsr-453	44	24	model	model	NOUN
bjmsr-453	44	25	,	,	PUNCT
bjmsr-453	44	26	and	and	CCONJ
bjmsr-453	44	27	the	the	DET
bjmsr-453	44	28	results	result	NOUN
bjmsr-453	44	29	showed	show	VERB
bjmsr-453	44	30	that	that	SCONJ
bjmsr-453	44	31	the	the	DET
bjmsr-453	44	32	accuracy	accuracy	NOUN
bjmsr-453	44	33	of	of	ADP
bjmsr-453	44	34	the	the	DET
bjmsr-453	44	35	random	random	ADJ
bjmsr-453	44	36	forest	forest	NOUN
bjmsr-453	44	37	was	be	AUX
bjmsr-453	44	38	superior	superior	ADJ
bjmsr-453	44	39	to	to	ADP
bjmsr-453	44	40	that	that	PRON
bjmsr-453	44	41	of	of	ADP
bjmsr-453	44	42	logistic	logistic	ADJ
bjmsr-453	44	43	regression	regression	NOUN
bjmsr-453	44	44	.	.	PUNCT
bjmsr-453	45	1	as	as	ADV
bjmsr-453	45	2	long	long	ADV
bjmsr-453	45	3	as	as	SCONJ
bjmsr-453	45	4	the	the	DET
bjmsr-453	45	5	coefficients	coefficient	NOUN
bjmsr-453	45	6	of	of	ADP
bjmsr-453	45	7	the	the	DET
bjmsr-453	45	8	combined	combine	VERB
bjmsr-453	45	9	model	model	NOUN
bjmsr-453	45	10	are	be	AUX
bjmsr-453	45	11	set	set	VERB
bjmsr-453	45	12	well	well	ADV
bjmsr-453	45	13	,	,	PUNCT
bjmsr-453	45	14	the	the	DET
bjmsr-453	45	15	combined	combined	ADJ
bjmsr-453	45	16	model	model	NOUN
bjmsr-453	45	17	may	may	AUX
bjmsr-453	45	18	be	be	AUX
bjmsr-453	45	19	superior	superior	ADJ
bjmsr-453	45	20	to	to	ADP
bjmsr-453	45	21	the	the	DET
bjmsr-453	45	22	single	single	ADJ
bjmsr-453	45	23	model	model	NOUN
bjmsr-453	45	24	inaccuracy	inaccuracy	PROPN
bjmsr-453	45	25	or	or	CCONJ
bjmsr-453	45	26	other	other	ADJ
bjmsr-453	45	27	aspects	aspect	NOUN
bjmsr-453	45	28	.	.	PUNCT
bjmsr-453	46	1	the	the	DET
bjmsr-453	46	2	two	two	NUM
bjmsr-453	46	3	-	-	PUNCT
bjmsr-453	46	4	stage	stage	NOUN
bjmsr-453	46	5	scoring	scoring	NOUN
bjmsr-453	46	6	model	model	NOUN
bjmsr-453	46	7	proposed	propose	VERB
bjmsr-453	46	8	by	by	ADP
bjmsr-453	46	9	shi	shi	PROPN
bjmsr-453	46	10	(	(	PUNCT
bjmsr-453	46	11	2005	2005	NUM
bjmsr-453	46	12	)	)	PUNCT
bjmsr-453	46	13	a	a	DET
bjmsr-453	46	14	logistic	logistic	ADJ
bjmsr-453	46	15	regression	regression	NOUN
bjmsr-453	46	16	model	model	NOUN
bjmsr-453	46	17	based	base	VERB
bjmsr-453	46	18	on	on	ADP
bjmsr-453	46	19	the	the	DET
bjmsr-453	46	20	neural	neural	ADJ
bjmsr-453	46	21	network	network	NOUN
bjmsr-453	46	22	,	,	PUNCT
bjmsr-453	46	23	is	be	AUX
bjmsr-453	46	24	validated	validate	VERB
bjmsr-453	46	25	with	with	ADP
bjmsr-453	46	26	credit	credit	NOUN
bjmsr-453	46	27	card	card	NOUN
bjmsr-453	46	28	customer	customer	NOUN
bjmsr-453	46	29	data	datum	NOUN
bjmsr-453	46	30	of	of	ADP
bjmsr-453	46	31	a	a	DET
bjmsr-453	46	32	commercial	commercial	ADJ
bjmsr-453	46	33	bank	bank	NOUN
bjmsr-453	46	34	.	.	PUNCT
bjmsr-453	47	1	it	it	PRON
bjmsr-453	47	2	is	be	AUX
bjmsr-453	47	3	found	find	VERB
bjmsr-453	47	4	that	that	SCONJ
bjmsr-453	47	5	the	the	DET
bjmsr-453	47	6	accuracy	accuracy	NOUN
bjmsr-453	47	7	of	of	ADP
bjmsr-453	47	8	the	the	DET
bjmsr-453	47	9	new	new	ADJ
bjmsr-453	47	10	model	model	NOUN
bjmsr-453	47	11	is	be	AUX
bjmsr-453	47	12	higher	high	ADJ
bjmsr-453	47	13	than	than	ADP
bjmsr-453	47	14	logistic	logistic	ADJ
bjmsr-453	47	15	regression	regression	NOUN
bjmsr-453	47	16	,	,	PUNCT
bjmsr-453	47	17	and	and	CCONJ
bjmsr-453	47	18	the	the	DET
bjmsr-453	47	19	robustness	robustness	NOUN
bjmsr-453	47	20	is	be	AUX
bjmsr-453	47	21	also	also	ADV
bjmsr-453	47	22	greater	great	ADJ
bjmsr-453	47	23	than	than	ADP
bjmsr-453	47	24	neural	neural	ADJ
bjmsr-453	47	25	network	network	NOUN
bjmsr-453	47	26	model	model	NOUN
bjmsr-453	47	27	,	,	PUNCT
bjmsr-453	47	28	indicating	indicate	VERB
bjmsr-453	47	29	that	that	SCONJ
bjmsr-453	47	30	the	the	DET
bjmsr-453	47	31	new	new	ADJ
bjmsr-453	47	32	model	model	NOUN
bjmsr-453	47	33	combines	combine	VERB
bjmsr-453	47	34	the	the	DET
bjmsr-453	47	35	advantages	advantage	NOUN
bjmsr-453	47	36	of	of	ADP
bjmsr-453	47	37	a	a	DET
bjmsr-453	47	38	single	single	ADJ
bjmsr-453	47	39	model	model	NOUN
bjmsr-453	47	40	and	and	CCONJ
bjmsr-453	47	41	avoids	avoid	VERB
bjmsr-453	47	42	the	the	DET
bjmsr-453	47	43	disadvantages	disadvantage	NOUN
bjmsr-453	47	44	of	of	ADP
bjmsr-453	47	45	a	a	DET
bjmsr-453	47	46	single	single	ADJ
bjmsr-453	47	47	model	model	NOUN
bjmsr-453	47	48	.	.	PUNCT
bjmsr-453	48	1	yang	yang	PROPN
bjmsr-453	48	2	(	(	PUNCT
bjmsr-453	48	3	2018	2018	NUM
bjmsr-453	48	4	)	)	PUNCT
bjmsr-453	48	5	used	use	VERB
bjmsr-453	48	6	the	the	DET
bjmsr-453	48	7	results	result	NOUN
bjmsr-453	48	8	of	of	ADP
bjmsr-453	48	9	a	a	DET
bjmsr-453	48	10	linear	linear	ADJ
bjmsr-453	48	11	discriminant	discriminant	NOUN
bjmsr-453	48	12	analysis	analysis	NOUN
bjmsr-453	48	13	model	model	NOUN
bjmsr-453	48	14	as	as	ADP
bjmsr-453	48	15	one	one	NUM
bjmsr-453	48	16	of	of	ADP
bjmsr-453	48	17	the	the	DET
bjmsr-453	48	18	input	input	NOUN
bjmsr-453	48	19	variables	variable	NOUN
bjmsr-453	48	20	of	of	ADP
bjmsr-453	48	21	the	the	DET
bjmsr-453	48	22	bp	bp	PROPN
bjmsr-453	48	23	neural	neural	ADJ
bjmsr-453	48	24	network	network	NOUN
bjmsr-453	48	25	.	.	PUNCT
bjmsr-453	49	1	the	the	DET
bjmsr-453	49	2	results	result	NOUN
bjmsr-453	49	3	of	of	ADP
bjmsr-453	49	4	empirical	empirical	ADJ
bjmsr-453	49	5	analysis	analysis	NOUN
bjmsr-453	49	6	show	show	VERB
bjmsr-453	49	7	that	that	SCONJ
bjmsr-453	49	8	the	the	DET
bjmsr-453	49	9	combined	combined	ADJ
bjmsr-453	49	10	model	model	NOUN
bjmsr-453	49	11	has	have	VERB
bjmsr-453	49	12	better	well	ADJ
bjmsr-453	49	13	prediction	prediction	NOUN
bjmsr-453	49	14	accuracy	accuracy	NOUN
bjmsr-453	49	15	than	than	ADP
bjmsr-453	49	16	the	the	DET
bjmsr-453	49	17	single	single	ADJ
bjmsr-453	49	18	model	model	NOUN
bjmsr-453	49	19	,	,	PUNCT
bjmsr-453	49	20	and	and	CCONJ
bjmsr-453	49	21	overcomes	overcome	VERB
bjmsr-453	49	22	the	the	DET
bjmsr-453	49	23	problem	problem	NOUN
bjmsr-453	49	24	of	of	ADP
bjmsr-453	49	25	single	single	ADJ
bjmsr-453	49	26	model	model	NOUN
bjmsr-453	49	27	robustness	robustness	NOUN
bjmsr-453	49	28	.	.	PUNCT
bjmsr-453	50	1	a	a	DET
bjmsr-453	50	2	heterogeneous	heterogeneous	ADJ
bjmsr-453	50	3	integration	integration	NOUN
bjmsr-453	50	4	model	model	NOUN
bjmsr-453	50	5	based	base	VERB
bjmsr-453	50	6	on	on	ADP
bjmsr-453	50	7	bagging	bag	VERB
bjmsr-453	50	8	algorithm	algorithm	NOUN
bjmsr-453	50	9	and	and	CCONJ
bjmsr-453	50	10	stacking	stack	VERB
bjmsr-453	50	11	algorithm	algorithm	NOUN
bjmsr-453	50	12	is	be	AUX
bjmsr-453	50	13	proposed	propose	VERB
bjmsr-453	50	14	by	by	ADP
bjmsr-453	50	15	xia	xia	PROPN
bjmsr-453	50	16	et	et	PROPN
bjmsr-453	50	17	al	al	PROPN
bjmsr-453	50	18	.	.	PROPN
bjmsr-453	50	19	,	,	PUNCT
bjmsr-453	50	20	(	(	PUNCT
bjmsr-453	50	21	2018	2018	NUM
bjmsr-453	50	22	)	)	PUNCT
bjmsr-453	50	23	.	.	PUNCT
bjmsr-453	51	1	empirical	empirical	ADJ
bjmsr-453	51	2	analysis	analysis	NOUN
bjmsr-453	51	3	shows	show	VERB
bjmsr-453	51	4	that	that	SCONJ
bjmsr-453	51	5	the	the	DET
bjmsr-453	51	6	performance	performance	NOUN
bjmsr-453	51	7	of	of	ADP
bjmsr-453	51	8	this	this	DET
bjmsr-453	51	9	heterogeneous	heterogeneous	ADJ
bjmsr-453	51	10	integration	integration	NOUN
bjmsr-453	51	11	model	model	NOUN
bjmsr-453	51	12	is	be	AUX
bjmsr-453	51	13	better	well	ADJ
bjmsr-453	51	14	than	than	ADP
bjmsr-453	51	15	that	that	PRON
bjmsr-453	51	16	of	of	ADP
bjmsr-453	51	17	the	the	DET
bjmsr-453	51	18	logistic	logistic	ADJ
bjmsr-453	51	19	regression	regression	NOUN
bjmsr-453	51	20	model	model	NOUN
bjmsr-453	51	21	,	,	PUNCT
bjmsr-453	51	22	support	support	NOUN
bjmsr-453	51	23	vector	vector	NOUN
bjmsr-453	51	24	machine	machine	NOUN
bjmsr-453	51	25	,	,	PUNCT
bjmsr-453	51	26	decision	decision	NOUN
bjmsr-453	51	27	tree	tree	NOUN
bjmsr-453	51	28	and	and	CCONJ
bjmsr-453	51	29	random	random	ADJ
bjmsr-453	51	30	forest	forest	NOUN
bjmsr-453	51	31	model	model	NOUN
bjmsr-453	51	32	.	.	PUNCT
bjmsr-453	52	1	1.3	1.3	NUM
bjmsr-453	52	2	practical	practical	ADJ
bjmsr-453	52	3	application	application	NOUN
bjmsr-453	52	4	of	of	ADP
bjmsr-453	52	5	personal	personal	ADJ
bjmsr-453	52	6	credit	credit	NOUN
bjmsr-453	52	7	score	score	NOUN
bjmsr-453	52	8	model	model	NOUN
bjmsr-453	52	9	at	at	ADP
bjmsr-453	52	10	present	present	NOUN
bjmsr-453	52	11	,	,	PUNCT
bjmsr-453	52	12	the	the	DET
bjmsr-453	52	13	fico	fico	NOUN
bjmsr-453	52	14	score	score	NOUN
bjmsr-453	52	15	is	be	AUX
bjmsr-453	52	16	the	the	DET
bjmsr-453	52	17	most	most	ADV
bjmsr-453	52	18	commonly	commonly	ADV
bjmsr-453	52	19	used	use	VERB
bjmsr-453	52	20	in	in	ADP
bjmsr-453	52	21	the	the	DET
bjmsr-453	52	22	us	us	PROPN
bjmsr-453	52	23	credit	credit	NOUN
bjmsr-453	52	24	information	information	NOUN
bjmsr-453	52	25	market	market	NOUN
bjmsr-453	52	26	.	.	PUNCT
bjmsr-453	53	1	fair	fair	PROPN
bjmsr-453	53	2	isaac	isaac	PROPN
bjmsr-453	53	3	company	company	PROPN
bjmsr-453	53	4	issues	issue	VERB
bjmsr-453	53	5	the	the	DET
bjmsr-453	53	6	fico	fico	PROPN
bjmsr-453	53	7	score	score	NOUN
bjmsr-453	53	8	.	.	PUNCT
bjmsr-453	54	1	there	there	PRON
bjmsr-453	54	2	are	be	VERB
bjmsr-453	54	3	three	three	NUM
bjmsr-453	54	4	forms	form	NOUN
bjmsr-453	54	5	of	of	ADP
bjmsr-453	54	6	fico	fico	NOUN
bjmsr-453	54	7	score	score	NOUN
bjmsr-453	54	8	,	,	PUNCT
bjmsr-453	54	9	which	which	PRON
bjmsr-453	54	10	are	be	AUX
bjmsr-453	54	11	respectively	respectively	ADV
bjmsr-453	54	12	applied	apply	VERB
bjmsr-453	54	13	to	to	ADP
bjmsr-453	54	14	the	the	DET
bjmsr-453	54	15	three	three	NUM
bjmsr-453	54	16	significant	significant	ADJ
bjmsr-453	54	17	us	us	PROPN
bjmsr-453	54	18	credit	credit	NOUN
bjmsr-453	54	19	administrations	administration	NOUN
bjmsr-453	54	20	(	(	PUNCT
bjmsr-453	54	21	berger	berger	PROPN
bjmsr-453	54	22	&	&	CCONJ
bjmsr-453	54	23	udell	udell	PROPN
bjmsr-453	54	24	,	,	PUNCT
bjmsr-453	54	25	2002	2002	NUM
bjmsr-453	54	26	)	)	PUNCT
bjmsr-453	54	27	see	see	VERB
bjmsr-453	54	28	table	table	NOUN
bjmsr-453	54	29	1	1	NUM
bjmsr-453	54	30	.	.	PUNCT
bjmsr-453	54	31	table	table	NOUN
bjmsr-453	54	32	1	1	NUM
bjmsr-453	54	33	.	.	PUNCT
bjmsr-453	54	34	american	american	PROPN
bjmsr-453	54	35	fico	fico	PROPN
bjmsr-453	54	36	personal	personal	ADJ
bjmsr-453	54	37	credit	credit	NOUN
bjmsr-453	54	38	score	score	NOUN
bjmsr-453	54	39	model	model	NOUN
bjmsr-453	54	40	reimbursement	reimbursement	NOUN
bjmsr-453	54	41	history	history	NOUN
bjmsr-453	54	42	35	35	NUM
bjmsr-453	54	43	%	%	NOUN
bjmsr-453	54	44	repayment	repayment	NOUN
bjmsr-453	54	45	records	record	NOUN
bjmsr-453	54	46	of	of	ADP
bjmsr-453	54	47	various	various	ADJ
bjmsr-453	54	48	credit	credit	NOUN
bjmsr-453	54	49	accounts	account	NOUN
bjmsr-453	54	50	public	public	ADJ
bjmsr-453	54	51	record	record	NOUN
bjmsr-453	54	52	overdue	overdue	ADJ
bjmsr-453	54	53	reimbursement	reimbursement	NOUN
bjmsr-453	54	54	number	number	NOUN
bjmsr-453	54	55	of	of	ADP
bjmsr-453	54	56	credit	credit	NOUN
bjmsr-453	54	57	accounts	account	NOUN
bjmsr-453	54	58	to	to	PART
bjmsr-453	54	59	be	be	AUX
bjmsr-453	54	60	reimbursed	reimburse	VERB
bjmsr-453	54	61	credit	credit	NOUN
bjmsr-453	54	62	account	account	NOUN
bjmsr-453	54	63	balance	balance	NOUN
bjmsr-453	54	64	copyright	copyright	NOUN
bjmsr-453	54	65	©	©	PROPN
bjmsr-453	54	66	cc	cc	PROPN
bjmsr-453	54	67	-	-	PUNCT
bjmsr-453	54	68	by	by	ADP
bjmsr-453	54	69	-	-	PUNCT
bjmsr-453	54	70	nc	nc	PROPN
bjmsr-453	54	71	2020	2020	NUM
bjmsr-453	54	72	,	,	PUNCT
bjmsr-453	54	73	cribfb	cribfb	PROPN
bjmsr-453	54	74	|bjmsr	|bjmsr	PROPN
bjmsr-453	54	75	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	55	1	bangladesh	bangladesh	PROPN
bjmsr-453	55	2	journal	journal	PROPN
bjmsr-453	55	3	of	of	ADP
bjmsr-453	55	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	55	5	scientific	scientific	ADJ
bjmsr-453	55	6	research	research	NOUN
bjmsr-453	55	7	vol	vol	NOUN
bjmsr-453	55	8	.	.	PROPN
bjmsr-453	56	1	2	2	NUM
bjmsr-453	56	2	,	,	PUNCT
bjmsr-453	56	3	no	no	INTJ
bjmsr-453	56	4	.	.	NOUN
bjmsr-453	56	5	1	1	NUM
bjmsr-453	56	6	;	;	PUNCT
bjmsr-453	56	7	2020	2020	NUM
bjmsr-453	56	8	3	3	NUM
bjmsr-453	56	9	number	number	NOUN
bjmsr-453	56	10	of	of	ADP
bjmsr-453	56	11	credit	credit	NOUN
bjmsr-453	56	12	accounts	account	NOUN
bjmsr-453	56	13	30	30	NUM
bjmsr-453	56	14	%	%	NOUN
bjmsr-453	56	15	usage	usage	NOUN
bjmsr-453	56	16	rate	rate	NOUN
bjmsr-453	56	17	of	of	ADP
bjmsr-453	56	18	total	total	ADJ
bjmsr-453	56	19	credit	credit	NOUN
bjmsr-453	56	20	line	line	NOUN
bjmsr-453	56	21	reimbursement	reimbursement	NOUN
bjmsr-453	56	22	rate	rate	NOUN
bjmsr-453	56	23	for	for	ADP
bjmsr-453	56	24	accounts	account	NOUN
bjmsr-453	56	25	credit	credit	NOUN
bjmsr-453	56	26	history	history	NOUN
bjmsr-453	56	27	15	15	NUM
bjmsr-453	56	28	%	%	NOUN
bjmsr-453	56	29	service	service	NOUN
bjmsr-453	56	30	life	life	NOUN
bjmsr-453	56	31	of	of	ADP
bjmsr-453	56	32	credit	credit	NOUN
bjmsr-453	56	33	new	new	ADJ
bjmsr-453	56	34	credit	credit	NOUN
bjmsr-453	56	35	account	account	NOUN
bjmsr-453	56	36	10	10	NUM
bjmsr-453	56	37	%	%	NOUN
bjmsr-453	56	38	number	number	NOUN
bjmsr-453	56	39	of	of	ADP
bjmsr-453	56	40	new	new	ADJ
bjmsr-453	56	41	credit	credit	NOUN
bjmsr-453	56	42	accounts	account	NOUN
bjmsr-453	56	43	opened	open	VERB
bjmsr-453	56	44	aging	aging	NOUN
bjmsr-453	56	45	of	of	ADP
bjmsr-453	56	46	newly	newly	ADV
bjmsr-453	56	47	opened	open	VERB
bjmsr-453	56	48	user	user	NOUN
bjmsr-453	56	49	account	account	NOUN
bjmsr-453	56	50	current	current	ADJ
bjmsr-453	56	51	number	number	NOUN
bjmsr-453	56	52	of	of	ADP
bjmsr-453	56	53	credit	credit	NOUN
bjmsr-453	56	54	applications	application	NOUN
bjmsr-453	56	55	recent	recent	ADJ
bjmsr-453	56	56	credit	credit	NOUN
bjmsr-453	56	57	status	status	NOUN
bjmsr-453	56	58	credit	credit	NOUN
bjmsr-453	56	59	type	type	NOUN
bjmsr-453	56	60	being	be	AUX
bjmsr-453	56	61	used	use	VERB
bjmsr-453	56	62	10	10	NUM
bjmsr-453	56	63	%	%	NOUN
bjmsr-453	56	64	type	type	NOUN
bjmsr-453	56	65	of	of	ADP
bjmsr-453	56	66	credit	credit	NOUN
bjmsr-453	56	67	account	account	NOUN
bjmsr-453	56	68	being	be	AUX
bjmsr-453	56	69	used	use	VERB
bjmsr-453	56	70	number	number	NOUN
bjmsr-453	56	71	of	of	ADP
bjmsr-453	56	72	each	each	DET
bjmsr-453	56	73	type	type	NOUN
bjmsr-453	56	74	of	of	ADP
bjmsr-453	56	75	account	account	NOUN
bjmsr-453	56	76	the	the	DET
bjmsr-453	56	77	credit	credit	NOUN
bjmsr-453	56	78	scores	score	NOUN
bjmsr-453	56	79	derived	derive	VERB
bjmsr-453	56	80	from	from	ADP
bjmsr-453	56	81	the	the	DET
bjmsr-453	56	82	model	model	NOUN
bjmsr-453	56	83	for	for	ADP
bjmsr-453	56	84	the	the	DET
bjmsr-453	56	85	fico	fico	NOUN
bjmsr-453	56	86	score	score	NOUN
bjmsr-453	56	87	ranged	range	VERB
bjmsr-453	56	88	between	between	ADP
bjmsr-453	56	89	300	300	NUM
bjmsr-453	56	90	and	and	CCONJ
bjmsr-453	56	91	850	850	NUM
bjmsr-453	56	92	points	point	NOUN
bjmsr-453	56	93	.	.	PUNCT
bjmsr-453	57	1	the	the	PRON
bjmsr-453	57	2	higher	high	ADJ
bjmsr-453	57	3	the	the	DET
bjmsr-453	57	4	score	score	NOUN
bjmsr-453	57	5	,	,	PUNCT
bjmsr-453	57	6	the	the	PRON
bjmsr-453	57	7	smaller	small	ADJ
bjmsr-453	57	8	the	the	DET
bjmsr-453	57	9	credit	credit	NOUN
bjmsr-453	57	10	risk	risk	NOUN
bjmsr-453	57	11	of	of	ADP
bjmsr-453	57	12	the	the	DET
bjmsr-453	57	13	customer	customer	NOUN
bjmsr-453	57	14	.	.	PUNCT
bjmsr-453	58	1	nevertheless	nevertheless	ADV
bjmsr-453	58	2	,	,	PUNCT
bjmsr-453	58	3	the	the	DET
bjmsr-453	58	4	score	score	NOUN
bjmsr-453	58	5	itself	itself	PRON
bjmsr-453	58	6	does	do	AUX
bjmsr-453	58	7	not	not	PART
bjmsr-453	58	8	tell	tell	VERB
bjmsr-453	58	9	whether	whether	SCONJ
bjmsr-453	58	10	a	a	DET
bjmsr-453	58	11	customer	customer	NOUN
bjmsr-453	58	12	is	be	AUX
bjmsr-453	58	13	good	good	ADJ
bjmsr-453	58	14	or	or	CCONJ
bjmsr-453	58	15	bad	bad	ADJ
bjmsr-453	58	16	,	,	PUNCT
bjmsr-453	58	17	and	and	CCONJ
bjmsr-453	58	18	lenders	lender	NOUN
bjmsr-453	58	19	often	often	ADV
bjmsr-453	58	20	use	use	VERB
bjmsr-453	58	21	the	the	DET
bjmsr-453	58	22	score	score	NOUN
bjmsr-453	58	23	as	as	ADP
bjmsr-453	58	24	a	a	DET
bjmsr-453	58	25	reference	reference	NOUN
bjmsr-453	58	26	for	for	ADP
bjmsr-453	58	27	their	their	PRON
bjmsr-453	58	28	loan	loan	NOUN
bjmsr-453	58	29	decisions	decision	NOUN
bjmsr-453	58	30	(	(	PUNCT
bjmsr-453	58	31	allen	allen	PROPN
bjmsr-453	58	32	et	et	PROPN
bjmsr-453	58	33	al	al	PROPN
bjmsr-453	58	34	.	.	PROPN
bjmsr-453	58	35	,	,	PUNCT
bjmsr-453	58	36	2004	2004	NUM
bjmsr-453	58	37	)	)	PUNCT
bjmsr-453	58	38	.	.	PUNCT
bjmsr-453	59	1	each	each	DET
bjmsr-453	59	2	lender	lender	NOUN
bjmsr-453	59	3	will	will	AUX
bjmsr-453	59	4	have	have	VERB
bjmsr-453	59	5	its	its	PRON
bjmsr-453	59	6	lending	lending	NOUN
bjmsr-453	59	7	strategy	strategy	NOUN
bjmsr-453	59	8	and	and	CCONJ
bjmsr-453	59	9	standards	standard	NOUN
bjmsr-453	59	10	,	,	PUNCT
bjmsr-453	59	11	and	and	CCONJ
bjmsr-453	59	12	each	each	DET
bjmsr-453	59	13	product	product	NOUN
bjmsr-453	59	14	will	will	AUX
bjmsr-453	59	15	have	have	VERB
bjmsr-453	59	16	its	its	PRON
bjmsr-453	59	17	risk	risk	NOUN
bjmsr-453	59	18	level	level	NOUN
bjmsr-453	59	19	,	,	PUNCT
bjmsr-453	59	20	which	which	PRON
bjmsr-453	59	21	determines	determine	VERB
bjmsr-453	59	22	the	the	DET
bjmsr-453	59	23	acceptable	acceptable	ADJ
bjmsr-453	59	24	credit	credit	NOUN
bjmsr-453	59	25	score	score	NOUN
bjmsr-453	59	26	level	level	NOUN
bjmsr-453	59	27	.	.	PUNCT
bjmsr-453	60	1	generally	generally	ADV
bjmsr-453	60	2	speaking	speak	VERB
bjmsr-453	60	3	,	,	PUNCT
bjmsr-453	60	4	if	if	SCONJ
bjmsr-453	60	5	the	the	DET
bjmsr-453	60	6	borrower	borrower	NOUN
bjmsr-453	60	7	's	's	PART
bjmsr-453	60	8	credit	credit	NOUN
bjmsr-453	60	9	score	score	NOUN
bjmsr-453	60	10	reaches	reach	VERB
bjmsr-453	60	11	680	680	NUM
bjmsr-453	60	12	points	point	NOUN
bjmsr-453	60	13	or	or	CCONJ
bjmsr-453	60	14	above	above	ADV
bjmsr-453	60	15	,	,	PUNCT
bjmsr-453	60	16	the	the	DET
bjmsr-453	60	17	lender	lender	NOUN
bjmsr-453	60	18	can	can	AUX
bjmsr-453	60	19	consider	consider	VERB
bjmsr-453	60	20	the	the	DET
bjmsr-453	60	21	borrower	borrower	NOUN
bjmsr-453	60	22	's	's	PART
bjmsr-453	60	23	credit	credit	NOUN
bjmsr-453	60	24	outstanding	outstanding	ADJ
bjmsr-453	60	25	and	and	CCONJ
bjmsr-453	60	26	can	can	AUX
bjmsr-453	60	27	agree	agree	VERB
bjmsr-453	60	28	to	to	ADP
bjmsr-453	60	29	the	the	DET
bjmsr-453	60	30	payment	payment	NOUN
bjmsr-453	60	31	without	without	ADP
bjmsr-453	60	32	hesitation	hesitation	NOUN
bjmsr-453	60	33	.	.	PUNCT
bjmsr-453	61	1	if	if	SCONJ
bjmsr-453	61	2	the	the	DET
bjmsr-453	61	3	borrower	borrower	NOUN
bjmsr-453	61	4	's	's	PART
bjmsr-453	61	5	credit	credit	NOUN
bjmsr-453	61	6	score	score	NOUN
bjmsr-453	61	7	is	be	AUX
bjmsr-453	61	8	below	below	ADP
bjmsr-453	61	9	620	620	NUM
bjmsr-453	61	10	,	,	PUNCT
bjmsr-453	61	11	the	the	DET
bjmsr-453	61	12	lender	lender	NOUN
bjmsr-453	61	13	either	either	CCONJ
bjmsr-453	61	14	asks	ask	VERB
bjmsr-453	61	15	the	the	DET
bjmsr-453	61	16	borrower	borrower	NOUN
bjmsr-453	61	17	to	to	PART
bjmsr-453	61	18	add	add	VERB
bjmsr-453	61	19	collateral	collateral	NOUN
bjmsr-453	61	20	or	or	CCONJ
bjmsr-453	61	21	looks	look	VERB
bjmsr-453	61	22	for	for	ADP
bjmsr-453	61	23	various	various	ADJ
bjmsr-453	61	24	reasons	reason	NOUN
bjmsr-453	61	25	to	to	PART
bjmsr-453	61	26	reject	reject	VERB
bjmsr-453	61	27	the	the	DET
bjmsr-453	61	28	loan	loan	NOUN
bjmsr-453	61	29	.	.	PUNCT
bjmsr-453	62	1	if	if	SCONJ
bjmsr-453	62	2	the	the	DET
bjmsr-453	62	3	borrower	borrower	NOUN
bjmsr-453	62	4	's	's	PART
bjmsr-453	62	5	credit	credit	NOUN
bjmsr-453	62	6	score	score	NOUN
bjmsr-453	62	7	is	be	AUX
bjmsr-453	62	8	between	between	ADP
bjmsr-453	62	9	620	620	NUM
bjmsr-453	62	10	and	and	CCONJ
bjmsr-453	62	11	680	680	NUM
bjmsr-453	62	12	points	point	NOUN
bjmsr-453	62	13	,	,	PUNCT
bjmsr-453	62	14	the	the	DET
bjmsr-453	62	15	lender	lender	NOUN
bjmsr-453	62	16	will	will	AUX
bjmsr-453	62	17	conduct	conduct	VERB
bjmsr-453	62	18	further	further	ADJ
bjmsr-453	62	19	investigation	investigation	NOUN
bjmsr-453	62	20	and	and	CCONJ
bjmsr-453	62	21	verification	verification	NOUN
bjmsr-453	62	22	and	and	CCONJ
bjmsr-453	62	23	use	use	VERB
bjmsr-453	62	24	other	other	ADJ
bjmsr-453	62	25	credit	credit	NOUN
bjmsr-453	62	26	analysis	analysis	NOUN
bjmsr-453	62	27	tools	tool	NOUN
bjmsr-453	62	28	to	to	PART
bjmsr-453	62	29	handle	handle	VERB
bjmsr-453	62	30	the	the	DET
bjmsr-453	62	31	case	case	NOUN
bjmsr-453	62	32	.	.	PUNCT
bjmsr-453	63	1	the	the	DET
bjmsr-453	63	2	sesame	sesame	PROPN
bjmsr-453	63	3	credit	credit	NOUN
bjmsr-453	63	4	is	be	AUX
bjmsr-453	63	5	a	a	DET
bjmsr-453	63	6	subsidiary	subsidiary	NOUN
bjmsr-453	63	7	of	of	ADP
bjmsr-453	63	8	china	china	PROPN
bjmsr-453	63	9	alibaba	alibaba	PROPN
bjmsr-453	63	10	group	group	PROPN
bjmsr-453	63	11	ant	ant	PROPN
bjmsr-453	63	12	finance	finance	NOUN
bjmsr-453	63	13	.	.	PUNCT
bjmsr-453	64	1	it	it	PRON
bjmsr-453	64	2	belongs	belong	VERB
bjmsr-453	64	3	to	to	ADP
bjmsr-453	64	4	an	an	DET
bjmsr-453	64	5	independent	independent	ADJ
bjmsr-453	64	6	third	third	ADJ
bjmsr-453	64	7	-	-	PUNCT
bjmsr-453	64	8	party	party	NOUN
bjmsr-453	64	9	credit	credit	NOUN
bjmsr-453	64	10	reporting	reporting	NOUN
bjmsr-453	64	11	institution	institution	NOUN
bjmsr-453	64	12	;	;	PUNCT
bjmsr-453	64	13	see	see	VERB
bjmsr-453	64	14	table	table	NOUN
bjmsr-453	64	15	2	2	NUM
bjmsr-453	64	16	,	,	PUNCT
bjmsr-453	64	17	and	and	CCONJ
bjmsr-453	64	18	gold	gold	NOUN
bjmsr-453	64	19	garments	garment	NOUN
bjmsr-453	64	20	objectively	objectively	ADV
bjmsr-453	64	21	present	present	VERB
bjmsr-453	64	22	their	their	PRON
bjmsr-453	64	23	credit	credit	NOUN
bjmsr-453	64	24	status	status	NOUN
bjmsr-453	64	25	through	through	ADP
bjmsr-453	64	26	techniques	technique	NOUN
bjmsr-453	64	27	such	such	ADJ
bjmsr-453	64	28	as	as	ADP
bjmsr-453	64	29	cloud	cloud	NOUN
bjmsr-453	64	30	computing	computing	NOUN
bjmsr-453	64	31	and	and	CCONJ
bjmsr-453	64	32	machine	machine	NOUN
bjmsr-453	64	33	learning	learning	NOUN
bjmsr-453	64	34	.	.	PUNCT
bjmsr-453	65	1	the	the	DET
bjmsr-453	65	2	sesame	sesame	PROPN
bjmsr-453	65	3	credit	credit	NOUN
bjmsr-453	65	4	is	be	AUX
bjmsr-453	65	5	different	different	ADJ
bjmsr-453	65	6	from	from	ADP
bjmsr-453	65	7	the	the	DET
bjmsr-453	65	8	traditional	traditional	ADJ
bjmsr-453	65	9	credit	credit	NOUN
bjmsr-453	65	10	reporting	reporting	NOUN
bjmsr-453	65	11	agency	agency	NOUN
bjmsr-453	65	12	(	(	PUNCT
bjmsr-453	65	13	yip	yip	PROPN
bjmsr-453	65	14	&	&	CCONJ
bjmsr-453	65	15	mckern	mckern	PROPN
bjmsr-453	65	16	,	,	PUNCT
bjmsr-453	65	17	2016	2016	NUM
bjmsr-453	65	18	)	)	PUNCT
bjmsr-453	65	19	.	.	PUNCT
bjmsr-453	66	1	alibaba	alibaba	PROPN
bjmsr-453	66	2	cloud	cloud	PROPN
bjmsr-453	66	3	has	have	VERB
bjmsr-453	66	4	a	a	DET
bjmsr-453	66	5	vast	vast	ADJ
bjmsr-453	66	6	database	database	NOUN
bjmsr-453	66	7	as	as	ADP
bjmsr-453	66	8	a	a	DET
bjmsr-453	66	9	backdrop	backdrop	NOUN
bjmsr-453	66	10	,	,	PUNCT
bjmsr-453	66	11	with	with	ADP
bjmsr-453	66	12	the	the	DET
bjmsr-453	66	13	unique	unique	ADJ
bjmsr-453	66	14	advantages	advantage	NOUN
bjmsr-453	66	15	of	of	ADP
bjmsr-453	66	16	internet	internet	NOUN
bjmsr-453	66	17	technology	technology	NOUN
bjmsr-453	66	18	and	and	CCONJ
bjmsr-453	66	19	data	datum	NOUN
bjmsr-453	66	20	.	.	PUNCT
bjmsr-453	67	1	on	on	ADP
bjmsr-453	67	2	this	this	DET
bjmsr-453	67	3	basis	basis	NOUN
bjmsr-453	67	4	,	,	PUNCT
bjmsr-453	67	5	sesame	sesame	ADJ
bjmsr-453	67	6	credit	credit	NOUN
bjmsr-453	67	7	evaluates	evaluate	VERB
bjmsr-453	67	8	the	the	DET
bjmsr-453	67	9	credit	credit	NOUN
bjmsr-453	67	10	rating	rating	NOUN
bjmsr-453	67	11	of	of	ADP
bjmsr-453	67	12	users	user	NOUN
bjmsr-453	67	13	through	through	ADP
bjmsr-453	67	14	the	the	DET
bjmsr-453	67	15	credit	credit	NOUN
bjmsr-453	67	16	model	model	NOUN
bjmsr-453	67	17	algorithm	algorithm	NOUN
bjmsr-453	67	18	(	(	PUNCT
bjmsr-453	67	19	lin	lin	PROPN
bjmsr-453	67	20	et	et	PROPN
bjmsr-453	67	21	al	al	PROPN
bjmsr-453	67	22	.	.	PROPN
bjmsr-453	67	23	,	,	PUNCT
bjmsr-453	67	24	2015	2015	NUM
bjmsr-453	67	25	)	)	PUNCT
bjmsr-453	67	26	.	.	PUNCT
bjmsr-453	68	1	nevertheless	nevertheless	ADV
bjmsr-453	68	2	,	,	PUNCT
bjmsr-453	68	3	it	it	PRON
bjmsr-453	68	4	also	also	ADV
bjmsr-453	68	5	suffers	suffer	VERB
bjmsr-453	68	6	from	from	ADP
bjmsr-453	68	7	the	the	DET
bjmsr-453	68	8	applicability	applicability	NOUN
bjmsr-453	68	9	of	of	ADP
bjmsr-453	68	10	the	the	DET
bjmsr-453	68	11	credibility	credibility	NOUN
bjmsr-453	68	12	model	model	NOUN
bjmsr-453	68	13	.	.	PUNCT
bjmsr-453	69	1	the	the	DET
bjmsr-453	69	2	problem	problem	NOUN
bjmsr-453	69	3	of	of	ADP
bjmsr-453	69	4	credit	credit	NOUN
bjmsr-453	69	5	information	information	NOUN
bjmsr-453	69	6	sharing	share	VERB
bjmsr-453	69	7	not	not	PART
bjmsr-453	69	8	only	only	ADV
bjmsr-453	69	9	affects	affect	VERB
bjmsr-453	69	10	the	the	DET
bjmsr-453	69	11	comprehensiveness	comprehensiveness	NOUN
bjmsr-453	69	12	of	of	ADP
bjmsr-453	69	13	data	datum	NOUN
bjmsr-453	69	14	dimension	dimension	NOUN
bjmsr-453	69	15	but	but	CCONJ
bjmsr-453	69	16	also	also	ADV
bjmsr-453	69	17	affects	affect	VERB
bjmsr-453	69	18	the	the	DET
bjmsr-453	69	19	accuracy	accuracy	NOUN
bjmsr-453	69	20	of	of	ADP
bjmsr-453	69	21	the	the	DET
bjmsr-453	69	22	model	model	NOUN
bjmsr-453	69	23	measurement	measurement	NOUN
bjmsr-453	69	24	(	(	PUNCT
bjmsr-453	69	25	ennew	ennew	PROPN
bjmsr-453	69	26	&	&	CCONJ
bjmsr-453	69	27	binks	bink	NOUN
bjmsr-453	69	28	,	,	PUNCT
bjmsr-453	69	29	1999	1999	NUM
bjmsr-453	69	30	;	;	PUNCT
bjmsr-453	69	31	wu	wu	PROPN
bjmsr-453	69	32	,	,	PUNCT
bjmsr-453	69	33	2008	2008	NUM
bjmsr-453	69	34	)	)	PUNCT
bjmsr-453	69	35	.	.	PUNCT
bjmsr-453	70	1	therefore	therefore	ADV
bjmsr-453	70	2	,	,	PUNCT
bjmsr-453	70	3	the	the	DET
bjmsr-453	70	4	actual	actual	ADJ
bjmsr-453	70	5	credit	credit	NOUN
bjmsr-453	70	6	status	status	NOUN
bjmsr-453	70	7	of	of	ADP
bjmsr-453	70	8	the	the	DET
bjmsr-453	70	9	client	client	NOUN
bjmsr-453	70	10	information	information	NOUN
bjmsr-453	70	11	subject	subject	NOUN
bjmsr-453	70	12	can	can	AUX
bjmsr-453	70	13	not	not	PART
bjmsr-453	70	14	get	get	VERB
bjmsr-453	70	15	a	a	DET
bjmsr-453	70	16	very	very	ADV
bjmsr-453	70	17	accurate	accurate	ADJ
bjmsr-453	70	18	response	response	NOUN
bjmsr-453	70	19	in	in	ADP
bjmsr-453	70	20	the	the	DET
bjmsr-453	70	21	sesame	sesame	ADJ
bjmsr-453	70	22	credit	credit	NOUN
bjmsr-453	70	23	score	score	NOUN
bjmsr-453	70	24	.	.	PUNCT
bjmsr-453	71	1	the	the	DET
bjmsr-453	71	2	applicability	applicability	NOUN
bjmsr-453	71	3	of	of	ADP
bjmsr-453	71	4	the	the	DET
bjmsr-453	71	5	credit	credit	NOUN
bjmsr-453	71	6	model	model	NOUN
bjmsr-453	71	7	also	also	ADV
bjmsr-453	71	8	requires	require	VERB
bjmsr-453	71	9	time	time	NOUN
bjmsr-453	71	10	for	for	ADP
bjmsr-453	71	11	slow	slow	ADJ
bjmsr-453	71	12	collection	collection	NOUN
bjmsr-453	71	13	and	and	CCONJ
bjmsr-453	71	14	validation	validation	NOUN
bjmsr-453	71	15	;	;	PUNCT
bjmsr-453	71	16	the	the	DET
bjmsr-453	71	17	primary	primary	ADJ
bjmsr-453	71	18	data	datum	NOUN
bjmsr-453	71	19	source	source	NOUN
bjmsr-453	71	20	for	for	ADP
bjmsr-453	71	21	sesame	sesame	ADJ
bjmsr-453	71	22	credit	credit	NOUN
bjmsr-453	71	23	depends	depend	VERB
bjmsr-453	71	24	on	on	ADP
bjmsr-453	71	25	industry	industry	NOUN
bjmsr-453	71	26	data	datum	NOUN
bjmsr-453	71	27	,	,	PUNCT
bjmsr-453	71	28	and	and	CCONJ
bjmsr-453	71	29	the	the	DET
bjmsr-453	71	30	dimensions	dimension	NOUN
bjmsr-453	71	31	of	of	ADP
bjmsr-453	71	32	data	datum	NOUN
bjmsr-453	71	33	collection	collection	NOUN
bjmsr-453	71	34	are	be	AUX
bjmsr-453	71	35	not	not	PART
bjmsr-453	71	36	complete	complete	ADJ
bjmsr-453	71	37	(	(	PUNCT
bjmsr-453	71	38	nwana	nwana	ADJ
bjmsr-453	71	39	,	,	PUNCT
bjmsr-453	71	40	1996	1996	NUM
bjmsr-453	71	41	)	)	PUNCT
bjmsr-453	71	42	.	.	PUNCT
bjmsr-453	72	1	while	while	SCONJ
bjmsr-453	72	2	sesame	sesame	ADJ
bjmsr-453	72	3	credit	credit	NOUN
bjmsr-453	72	4	already	already	ADV
bjmsr-453	72	5	collects	collect	VERB
bjmsr-453	72	6	a	a	DET
bjmsr-453	72	7	tremendous	tremendous	ADJ
bjmsr-453	72	8	amount	amount	NOUN
bjmsr-453	72	9	of	of	ADP
bjmsr-453	72	10	information	information	NOUN
bjmsr-453	72	11	,	,	PUNCT
bjmsr-453	72	12	alibaba	alibaba	PROPN
bjmsr-453	72	13	's	's	PART
bjmsr-453	72	14	social	social	ADJ
bjmsr-453	72	15	system	system	NOUN
bjmsr-453	72	16	is	be	AUX
bjmsr-453	72	17	slightly	slightly	ADV
bjmsr-453	72	18	lacking	lacking	ADJ
bjmsr-453	72	19	,	,	PUNCT
bjmsr-453	72	20	so	so	CCONJ
bjmsr-453	72	21	it	it	PRON
bjmsr-453	72	22	has	have	VERB
bjmsr-453	72	23	less	less	ADJ
bjmsr-453	72	24	control	control	NOUN
bjmsr-453	72	25	over	over	ADP
bjmsr-453	72	26	data	datum	NOUN
bjmsr-453	72	27	on	on	ADP
bjmsr-453	72	28	social	social	ADJ
bjmsr-453	72	29	behavior	behavior	NOUN
bjmsr-453	72	30	;	;	PUNCT
bjmsr-453	72	31	it	it	PRON
bjmsr-453	72	32	also	also	ADV
bjmsr-453	72	33	lacks	lack	VERB
bjmsr-453	72	34	credit	credit	NOUN
bjmsr-453	72	35	data	datum	NOUN
bjmsr-453	72	36	on	on	ADP
bjmsr-453	72	37	financial	financial	ADJ
bjmsr-453	72	38	institutions	institution	NOUN
bjmsr-453	72	39	.	.	PUNCT
bjmsr-453	73	1	at	at	ADP
bjmsr-453	73	2	present	present	ADJ
bjmsr-453	73	3	,	,	PUNCT
bjmsr-453	73	4	sesame	sesame	ADJ
bjmsr-453	73	5	credit	credit	NOUN
bjmsr-453	73	6	has	have	AUX
bjmsr-453	73	7	not	not	PART
bjmsr-453	73	8	been	be	AUX
bjmsr-453	73	9	able	able	ADJ
bjmsr-453	73	10	to	to	PART
bjmsr-453	73	11	intervene	intervene	VERB
bjmsr-453	73	12	in	in	ADP
bjmsr-453	73	13	the	the	DET
bjmsr-453	73	14	central	central	ADJ
bjmsr-453	73	15	bank	bank	NOUN
bjmsr-453	73	16	's	's	PART
bjmsr-453	73	17	credit	credit	NOUN
bjmsr-453	73	18	system	system	NOUN
bjmsr-453	73	19	,	,	PUNCT
bjmsr-453	73	20	and	and	CCONJ
bjmsr-453	73	21	major	major	ADJ
bjmsr-453	73	22	banks	bank	NOUN
bjmsr-453	73	23	and	and	CCONJ
bjmsr-453	73	24	financial	financial	ADJ
bjmsr-453	73	25	institutions	institution	NOUN
bjmsr-453	73	26	have	have	AUX
bjmsr-453	73	27	not	not	PART
bjmsr-453	73	28	been	be	AUX
bjmsr-453	73	29	able	able	ADJ
bjmsr-453	73	30	to	to	PART
bjmsr-453	73	31	obtain	obtain	VERB
bjmsr-453	73	32	their	their	PRON
bjmsr-453	73	33	credit	credit	NOUN
bjmsr-453	73	34	data	datum	NOUN
bjmsr-453	73	35	,	,	PUNCT
bjmsr-453	73	36	which	which	PRON
bjmsr-453	73	37	also	also	ADV
bjmsr-453	73	38	leads	lead	VERB
bjmsr-453	73	39	to	to	ADP
bjmsr-453	73	40	the	the	DET
bjmsr-453	73	41	lack	lack	NOUN
bjmsr-453	73	42	of	of	ADP
bjmsr-453	73	43	personal	personal	ADJ
bjmsr-453	73	44	use	use	NOUN
bjmsr-453	73	45	of	of	ADP
bjmsr-453	73	46	bank	bank	NOUN
bjmsr-453	73	47	credit	credit	NOUN
bjmsr-453	73	48	information	information	NOUN
bjmsr-453	73	49	data	datum	NOUN
bjmsr-453	73	50	in	in	ADP
bjmsr-453	73	51	calculating	calculate	VERB
bjmsr-453	73	52	sesame	sesame	ADJ
bjmsr-453	73	53	credit	credit	NOUN
bjmsr-453	73	54	scores	score	NOUN
bjmsr-453	73	55	(	(	PUNCT
bjmsr-453	73	56	kostka	kostka	PROPN
bjmsr-453	73	57	,	,	PUNCT
bjmsr-453	73	58	2019	2019	NUM
bjmsr-453	73	59	;	;	PUNCT
bjmsr-453	73	60	creemers	creemer	NOUN
bjmsr-453	73	61	,	,	PUNCT
bjmsr-453	73	62	2018	2018	NUM
bjmsr-453	73	63	)	)	PUNCT
bjmsr-453	73	64	.	.	PUNCT
bjmsr-453	74	1	sesame	sesame	ADJ
bjmsr-453	74	2	credit	credit	NOUN
bjmsr-453	74	3	has	have	VERB
bjmsr-453	74	4	no	no	DET
bjmsr-453	74	5	personal	personal	ADJ
bjmsr-453	74	6	credit	credit	NOUN
bjmsr-453	74	7	data	datum	NOUN
bjmsr-453	74	8	from	from	ADP
bjmsr-453	74	9	banks	bank	NOUN
bjmsr-453	74	10	,	,	PUNCT
bjmsr-453	74	11	and	and	CCONJ
bjmsr-453	74	12	it	it	PRON
bjmsr-453	74	13	is	be	AUX
bjmsr-453	74	14	difficult	difficult	ADJ
bjmsr-453	74	15	for	for	SCONJ
bjmsr-453	74	16	sesame	sesame	ADJ
bjmsr-453	74	17	credit	credit	NOUN
bjmsr-453	74	18	to	to	PART
bjmsr-453	74	19	master	master	VERB
bjmsr-453	74	20	the	the	DET
bjmsr-453	74	21	more	more	ADV
bjmsr-453	74	22	accurate	accurate	ADJ
bjmsr-453	74	23	personal	personal	ADJ
bjmsr-453	74	24	income	income	NOUN
bjmsr-453	74	25	of	of	ADP
bjmsr-453	74	26	users	user	NOUN
bjmsr-453	74	27	,	,	PUNCT
bjmsr-453	74	28	as	as	ADV
bjmsr-453	74	29	well	well	ADV
bjmsr-453	74	30	as	as	ADP
bjmsr-453	74	31	essential	essential	ADJ
bjmsr-453	74	32	assessment	assessment	NOUN
bjmsr-453	74	33	data	datum	NOUN
bjmsr-453	74	34	such	such	ADJ
bjmsr-453	74	35	as	as	ADP
bjmsr-453	74	36	debt	debt	NOUN
bjmsr-453	74	37	information	information	NOUN
bjmsr-453	74	38	and	and	CCONJ
bjmsr-453	74	39	related	related	ADJ
bjmsr-453	74	40	assets	asset	NOUN
bjmsr-453	74	41	.	.	PUNCT
bjmsr-453	75	1	table	table	NOUN
bjmsr-453	75	2	2	2	NUM
bjmsr-453	75	3	.	.	PUNCT
bjmsr-453	75	4	ali	ali	PROPN
bjmsr-453	75	5	sesame	sesame	PROPN
bjmsr-453	75	6	credit	credit	NOUN
bjmsr-453	75	7	score	score	NOUN
bjmsr-453	75	8	2	2	NUM
bjmsr-453	75	9	.	.	PUNCT
bjmsr-453	75	10	research	research	NOUN
bjmsr-453	75	11	preparation	preparation	NOUN
bjmsr-453	75	12	2.1	2.1	NUM
bjmsr-453	75	13	basic	basic	ADJ
bjmsr-453	75	14	data	datum	NOUN
bjmsr-453	75	15	this	this	DET
bjmsr-453	75	16	paper	paper	NOUN
bjmsr-453	75	17	uses	use	VERB
bjmsr-453	75	18	issued	issue	VERB
bjmsr-453	75	19	after	after	SCONJ
bjmsr-453	75	20	archived	archive	VERB
bjmsr-453	75	21	by	by	ADP
bjmsr-453	75	22	a	a	DET
bjmsr-453	75	23	financial	financial	ADJ
bjmsr-453	75	24	institution	institution	NOUN
bjmsr-453	75	25	in	in	ADP
bjmsr-453	75	26	china	china	PROPN
bjmsr-453	75	27	of	of	ADP
bjmsr-453	75	28	the	the	DET
bjmsr-453	75	29	historical	historical	ADJ
bjmsr-453	75	30	business	business	NOUN
bjmsr-453	75	31	data	datum	NOUN
bjmsr-453	75	32	in	in	ADP
bjmsr-453	75	33	the	the	DET
bjmsr-453	75	34	first	first	ADJ
bjmsr-453	75	35	half	half	NOUN
bjmsr-453	75	36	of	of	ADP
bjmsr-453	75	37	2017	2017	NUM
bjmsr-453	75	38	is	be	AUX
bjmsr-453	75	39	the	the	DET
bjmsr-453	75	40	original	original	ADJ
bjmsr-453	75	41	data	datum	NOUN
bjmsr-453	75	42	,	,	PUNCT
bjmsr-453	75	43	which	which	PRON
bjmsr-453	75	44	includes	include	VERB
bjmsr-453	75	45	the	the	DET
bjmsr-453	75	46	report	report	NOUN
bjmsr-453	75	47	number	number	NOUN
bjmsr-453	75	48	,	,	PUNCT
bjmsr-453	75	49	i	i	PROPN
bjmsr-453	75	50	d	d	NOUN
bjmsr-453	75	51	number	number	NOUN
bjmsr-453	75	52	,	,	PUNCT
bjmsr-453	75	53	loan	loan	NOUN
bjmsr-453	75	54	date	date	NOUN
bjmsr-453	75	55	,	,	PUNCT
bjmsr-453	75	56	agent	agent	NOUN
bjmsr-453	75	57	,	,	PUNCT
bjmsr-453	75	58	local	local	ADJ
bjmsr-453	75	59	nationality	nationality	NOUN
bjmsr-453	75	60	,	,	PUNCT
bjmsr-453	75	61	working	working	NOUN
bjmsr-453	75	62	province	province	NOUN
bjmsr-453	75	63	,	,	PUNCT
bjmsr-453	75	64	education	education	NOUN
bjmsr-453	75	65	level	level	NOUN
bjmsr-453	75	66	,	,	PUNCT
bjmsr-453	75	67	marital	marital	ADJ
bjmsr-453	75	68	status	status	NOUN
bjmsr-453	75	69	,	,	PUNCT
bjmsr-453	75	70	salary	salary	NOUN
bjmsr-453	75	71	,	,	PUNCT
bjmsr-453	75	72	and	and	CCONJ
bjmsr-453	75	73	fund	fund	NOUN
bjmsr-453	75	74	.	.	PUNCT
bjmsr-453	76	1	there	there	PRON
bjmsr-453	76	2	are	be	VERB
bjmsr-453	76	3	30000	30000	NUM
bjmsr-453	76	4	raw	raw	ADJ
bjmsr-453	76	5	data	datum	NOUN
bjmsr-453	76	6	.	.	PUNCT
bjmsr-453	77	1	identity	identity	NOUN
bjmsr-453	77	2	characteristics	characteristic	NOUN
bjmsr-453	77	3	15	15	NUM
bjmsr-453	77	4	%	%	NOUN
bjmsr-453	77	5	credit	credit	NOUN
bjmsr-453	77	6	history	history	NOUN
bjmsr-453	77	7	35	35	NUM
bjmsr-453	77	8	%	%	NOUN
bjmsr-453	77	9	compliance	compliance	NOUN
bjmsr-453	77	10	20	20	NUM
bjmsr-453	77	11	%	%	NOUN
bjmsr-453	77	12	personal	personal	ADJ
bjmsr-453	77	13	relationships	relationship	NOUN
bjmsr-453	77	14	5	5	NUM
bjmsr-453	77	15	%	%	NOUN
bjmsr-453	77	16	behavioral	behavioral	ADJ
bjmsr-453	77	17	preference	preference	NOUN
bjmsr-453	77	18	25	25	NUM
bjmsr-453	77	19	%	%	NOUN
bjmsr-453	77	20	copyright	copyright	NOUN
bjmsr-453	78	1	©	©	PROPN
bjmsr-453	78	2	cc	cc	NOUN
bjmsr-453	78	3	-	-	PUNCT
bjmsr-453	78	4	by	by	ADP
bjmsr-453	78	5	-	-	PUNCT
bjmsr-453	78	6	nc	nc	PROPN
bjmsr-453	78	7	2020	2020	NUM
bjmsr-453	78	8	,	,	PUNCT
bjmsr-453	78	9	cribfb	cribfb	PROPN
bjmsr-453	78	10	|bjmsr	|bjmsr	PROPN
bjmsr-453	78	11	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	79	1	bangladesh	bangladesh	PROPN
bjmsr-453	79	2	journal	journal	PROPN
bjmsr-453	79	3	of	of	ADP
bjmsr-453	79	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	79	5	scientific	scientific	ADJ
bjmsr-453	79	6	research	research	NOUN
bjmsr-453	79	7	vol	vol	NOUN
bjmsr-453	79	8	.	.	PROPN
bjmsr-453	80	1	2	2	NUM
bjmsr-453	80	2	,	,	PUNCT
bjmsr-453	80	3	no	no	INTJ
bjmsr-453	80	4	.	.	NOUN
bjmsr-453	80	5	1	1	NUM
bjmsr-453	80	6	;	;	PUNCT
bjmsr-453	80	7	2020	2020	NUM
bjmsr-453	80	8	4	4	NUM
bjmsr-453	80	9	2.2	2.2	NUM
bjmsr-453	80	10	selection	selection	NOUN
bjmsr-453	80	11	of	of	ADP
bjmsr-453	80	12	research	research	NOUN
bjmsr-453	80	13	methods	method	NOUN
bjmsr-453	80	14	in	in	ADP
bjmsr-453	80	15	this	this	DET
bjmsr-453	80	16	paper	paper	NOUN
bjmsr-453	80	17	,	,	PUNCT
bjmsr-453	80	18	data	datum	NOUN
bjmsr-453	80	19	mining	mining	NOUN
bjmsr-453	80	20	and	and	CCONJ
bjmsr-453	80	21	statistical	statistical	ADJ
bjmsr-453	80	22	correlation	correlation	NOUN
bjmsr-453	80	23	methods	method	NOUN
bjmsr-453	80	24	are	be	AUX
bjmsr-453	80	25	used	use	VERB
bjmsr-453	80	26	,	,	PUNCT
bjmsr-453	80	27	i.e.	i.e.	X
bjmsr-453	80	28	,	,	PUNCT
bjmsr-453	80	29	the	the	DET
bjmsr-453	80	30	software	software	NOUN
bjmsr-453	80	31	r	r	NOUN
bjmsr-453	80	32	3.4.3	3.4.3	NUM
bjmsr-453	80	33	extension	extension	NOUN
bjmsr-453	80	34	package	package	NOUN
bjmsr-453	80	35	and	and	CCONJ
bjmsr-453	80	36	spss	spss	PROPN
bjmsr-453	80	37	23.0	23.0	NUM
bjmsr-453	80	38	were	be	AUX
bjmsr-453	80	39	used	use	VERB
bjmsr-453	80	40	to	to	PART
bjmsr-453	80	41	construct	construct	VERB
bjmsr-453	80	42	random	random	ADJ
bjmsr-453	80	43	forest	forest	NOUN
bjmsr-453	80	44	models	model	NOUN
bjmsr-453	80	45	and	and	CCONJ
bjmsr-453	80	46	to	to	PART
bjmsr-453	80	47	apply	apply	VERB
bjmsr-453	80	48	discriminant	discriminant	ADJ
bjmsr-453	80	49	analysis	analysis	NOUN
bjmsr-453	80	50	methods	method	NOUN
bjmsr-453	80	51	，	，	PUNCT
bjmsr-453	80	52	then	then	ADV
bjmsr-453	80	53	establish	establish	VERB
bjmsr-453	80	54	logistic	logistic	ADJ
bjmsr-453	80	55	model	model	NOUN
bjmsr-453	80	56	,	,	PUNCT
bjmsr-453	80	57	and	and	CCONJ
bjmsr-453	80	58	the	the	DET
bjmsr-453	80	59	effect	effect	NOUN
bjmsr-453	80	60	of	of	ADP
bjmsr-453	80	61	each	each	DET
bjmsr-453	80	62	model	model	NOUN
bjmsr-453	80	63	after	after	ADP
bjmsr-453	80	64	the	the	DET
bjmsr-453	80	65	actual	actual	ADJ
bjmsr-453	80	66	operation	operation	NOUN
bjmsr-453	80	67	of	of	ADP
bjmsr-453	80	68	the	the	DET
bjmsr-453	80	69	comparative	comparative	ADJ
bjmsr-453	80	70	analysis	analysis	NOUN
bjmsr-453	80	71	.	.	PUNCT
bjmsr-453	81	1	2.3	2.3	NUM
bjmsr-453	81	2	statistical	statistical	ADJ
bjmsr-453	81	3	approach	approach	NOUN
bjmsr-453	81	4	this	this	DET
bjmsr-453	81	5	chapter	chapter	NOUN
bjmsr-453	81	6	selects	select	VERB
bjmsr-453	81	7	the	the	DET
bjmsr-453	81	8	status	status	NOUN
bjmsr-453	81	9	of	of	ADP
bjmsr-453	81	10	overdue	overdue	ADJ
bjmsr-453	81	11	repayment	repayment	NOUN
bjmsr-453	81	12	as	as	ADP
bjmsr-453	81	13	the	the	DET
bjmsr-453	81	14	explanatory	explanatory	ADJ
bjmsr-453	81	15	variable	variable	NOUN
bjmsr-453	81	16	and	and	CCONJ
bjmsr-453	81	17	selects	select	VERB
bjmsr-453	81	18	the	the	DET
bjmsr-453	81	19	agent	agent	NOUN
bjmsr-453	81	20	,	,	PUNCT
bjmsr-453	81	21	local	local	ADJ
bjmsr-453	81	22	nationality	nationality	NOUN
bjmsr-453	81	23	,	,	PUNCT
bjmsr-453	81	24	working	working	NOUN
bjmsr-453	81	25	province	province	NOUN
bjmsr-453	81	26	,	,	PUNCT
bjmsr-453	81	27	education	education	NOUN
bjmsr-453	81	28	level	level	NOUN
bjmsr-453	81	29	,	,	PUNCT
bjmsr-453	81	30	marital	marital	ADJ
bjmsr-453	81	31	status	status	NOUN
bjmsr-453	81	32	,	,	PUNCT
bjmsr-453	81	33	salary	salary	NOUN
bjmsr-453	81	34	,	,	PUNCT
bjmsr-453	81	35	presence	presence	NOUN
bjmsr-453	81	36	or	or	CCONJ
bjmsr-453	81	37	absence	absence	NOUN
bjmsr-453	81	38	of	of	ADP
bjmsr-453	81	39	funds	fund	NOUN
bjmsr-453	81	40	and	and	CCONJ
bjmsr-453	81	41	gender	gender	NOUN
bjmsr-453	81	42	(	(	PUNCT
bjmsr-453	81	43	as	as	SCONJ
bjmsr-453	81	44	known	know	VERB
bjmsr-453	81	45	from	from	ADP
bjmsr-453	81	46	the	the	DET
bjmsr-453	81	47	information	information	NOUN
bjmsr-453	81	48	in	in	ADP
bjmsr-453	81	49	the	the	DET
bjmsr-453	81	50	i	i	PROPN
bjmsr-453	81	51	d	d	PROPN
bjmsr-453	81	52	card	card	PROPN
bjmsr-453	81	53	data	datum	NOUN
bjmsr-453	81	54	archive	archive	NOUN
bjmsr-453	81	55	)	)	PUNCT
bjmsr-453	81	56	,	,	PUNCT
bjmsr-453	81	57	as	as	ADV
bjmsr-453	81	58	well	well	ADV
bjmsr-453	81	59	as	as	ADP
bjmsr-453	81	60	the	the	DET
bjmsr-453	81	61	provincial	provincial	ADJ
bjmsr-453	81	62	gross	gross	ADJ
bjmsr-453	81	63	product	product	NOUN
bjmsr-453	81	64	,	,	PUNCT
bjmsr-453	81	65	per	per	ADP
bjmsr-453	81	66	capita	capita	X
bjmsr-453	81	67	disposable	disposable	ADJ
bjmsr-453	81	68	income	income	NOUN
bjmsr-453	81	69	,	,	PUNCT
bjmsr-453	81	70	per	per	ADP
bjmsr-453	81	71	capita	capita	X
bjmsr-453	81	72	consumption	consumption	NOUN
bjmsr-453	81	73	expenditure	expenditure	NOUN
bjmsr-453	81	74	,	,	PUNCT
bjmsr-453	81	75	regional	regional	ADJ
bjmsr-453	81	76	fixed	fix	VERB
bjmsr-453	81	77	asset	asset	NOUN
bjmsr-453	81	78	investment	investment	NOUN
bjmsr-453	81	79	,	,	PUNCT
bjmsr-453	81	80	regional	regional	ADJ
bjmsr-453	81	81	fixed	fix	VERB
bjmsr-453	81	82	-	-	PUNCT
bjmsr-453	81	83	asset	asset	NOUN
bjmsr-453	81	84	investment	investment	NOUN
bjmsr-453	81	85	index	index	NOUN
bjmsr-453	81	86	and	and	CCONJ
bjmsr-453	81	87	unemployment	unemployment	NOUN
bjmsr-453	81	88	rate	rate	NOUN
bjmsr-453	81	89	that	that	PRON
bjmsr-453	81	90	can	can	AUX
bjmsr-453	81	91	be	be	AUX
bjmsr-453	81	92	found	find	VERB
bjmsr-453	81	93	by	by	ADP
bjmsr-453	81	94	the	the	DET
bjmsr-453	81	95	working	working	NOUN
bjmsr-453	81	96	province	province	NOUN
bjmsr-453	81	97	(	(	PUNCT
bjmsr-453	81	98	anonymous	anonymous	ADJ
bjmsr-453	81	99	,	,	PUNCT
bjmsr-453	81	100	2017	2017	NUM
bjmsr-453	81	101	)	)	PUNCT
bjmsr-453	81	102	.	.	PUNCT
bjmsr-453	82	1	the	the	DET
bjmsr-453	82	2	defined	define	VERB
bjmsr-453	82	3	and	and	CCONJ
bjmsr-453	82	4	explained	explain	VERB
bjmsr-453	82	5	variables	variable	NOUN
bjmsr-453	82	6	are	be	AUX
bjmsr-453	82	7	shown	show	VERB
bjmsr-453	82	8	below	below	ADP
bjmsr-453	82	9	:	:	PUNCT
bjmsr-453	82	10	table	table	NOUN
bjmsr-453	82	11	3.explained	3.explained	NUM
bjmsr-453	82	12	and	and	CCONJ
bjmsr-453	82	13	explanatory	explanatory	ADJ
bjmsr-453	82	14	variables	variable	NOUN
bjmsr-453	82	15	variable	variable	ADJ
bjmsr-453	82	16	type	type	NOUN
bjmsr-453	82	17	variable	variable	ADJ
bjmsr-453	82	18	variable	variable	ADJ
bjmsr-453	82	19	name	name	NOUN
bjmsr-453	82	20	grade	grade	NOUN
bjmsr-453	82	21	comments	comment	NOUN
bjmsr-453	82	22	explained	explain	VERB
bjmsr-453	82	23	variable	variable	ADJ
bjmsr-453	82	24	y	y	PROPN
bjmsr-453	82	25	presence	presence	NOUN
bjmsr-453	82	26	or	or	CCONJ
bjmsr-453	82	27	absence	absence	NOUN
bjmsr-453	82	28	late	late	ADJ
bjmsr-453	82	29	repayment	repayment	NOUN
bjmsr-453	82	30	0	0	NUM
bjmsr-453	82	31	:	:	PUNCT
bjmsr-453	82	32	no	no	DET
bjmsr-453	82	33	overdue	overdue	ADJ
bjmsr-453	82	34	;	;	PUNCT
bjmsr-453	82	35	1	1	NUM
bjmsr-453	82	36	:	:	PUNCT
bjmsr-453	82	37	overdue	overdue	ADJ
bjmsr-453	82	38	explanatory	explanatory	ADJ
bjmsr-453	82	39	variables	variable	NOUN
bjmsr-453	82	40	x1	x1	PROPN
bjmsr-453	82	41	loan	loan	NOUN
bjmsr-453	82	42	grade	grade	NOUN
bjmsr-453	82	43	112	112	NUM
bjmsr-453	82	44	every	every	DET
bjmsr-453	82	45	half	half	ADJ
bjmsr-453	82	46	month	month	NOUN
bjmsr-453	82	47	is	be	AUX
bjmsr-453	82	48	the	the	DET
bjmsr-453	82	49	first	first	ADJ
bjmsr-453	82	50	grade	grade	NOUN
bjmsr-453	82	51	,	,	PUNCT
bjmsr-453	82	52	the	the	PRON
bjmsr-453	82	53	earlier	early	ADJ
bjmsr-453	82	54	the	the	DET
bjmsr-453	82	55	loan	loan	NOUN
bjmsr-453	82	56	grade	grade	NOUN
bjmsr-453	82	57	is	be	AUX
bjmsr-453	82	58	higher	high	ADJ
bjmsr-453	82	59	x2	x2	ADJ
bjmsr-453	82	60	agent	agent	NOUN
bjmsr-453	82	61	111	111	NUM
bjmsr-453	82	62	the	the	PRON
bjmsr-453	82	63	higher	high	ADJ
bjmsr-453	82	64	the	the	DET
bjmsr-453	82	65	frequency	frequency	NOUN
bjmsr-453	82	66	of	of	ADP
bjmsr-453	82	67	use	use	NOUN
bjmsr-453	82	68	,	,	PUNCT
bjmsr-453	82	69	the	the	PRON
bjmsr-453	82	70	higher	high	ADJ
bjmsr-453	82	71	the	the	DET
bjmsr-453	82	72	grade	grade	NOUN
bjmsr-453	82	73	x3	x3	VERB
bjmsr-453	82	74	whether	whether	SCONJ
bjmsr-453	82	75	there	there	PRON
bjmsr-453	82	76	is	be	VERB
bjmsr-453	82	77	local	local	ADJ
bjmsr-453	82	78	nationality	nationality	NOUN
bjmsr-453	82	79	0	0	NUM
bjmsr-453	82	80	:	:	PUNCT
bjmsr-453	82	81	not	not	PART
bjmsr-453	82	82	local	local	ADJ
bjmsr-453	82	83	;	;	PUNCT
bjmsr-453	82	84	1	1	NUM
bjmsr-453	82	85	:	:	PUNCT
bjmsr-453	82	86	local	local	ADJ
bjmsr-453	82	87	x4	x4	PROPN
bjmsr-453	82	88	working	work	VERB
bjmsr-453	82	89	provinces	province	NOUN
bjmsr-453	82	90	derive	derive	VERB
bjmsr-453	82	91	the	the	DET
bjmsr-453	82	92	macroeconomic	macroeconomic	ADJ
bjmsr-453	82	93	variables	variable	NOUN
bjmsr-453	82	94	of	of	ADP
bjmsr-453	82	95	x10	x10	NOUN
bjmsr-453	82	96	-	-	PUNCT
bjmsr-453	82	97	x15	x15	ADJ
bjmsr-453	82	98	,	,	PUNCT
bjmsr-453	82	99	the	the	DET
bjmsr-453	82	100	model	model	NOUN
bjmsr-453	82	101	does	do	AUX
bjmsr-453	82	102	not	not	PART
bjmsr-453	82	103	use	use	VERB
bjmsr-453	82	104	this	this	DET
bjmsr-453	82	105	variable	variable	ADJ
bjmsr-453	82	106	x5	x5	NOUN
bjmsr-453	82	107	educational	educational	ADJ
bjmsr-453	82	108	level	level	NOUN
bjmsr-453	82	109	13	13	NUM
bjmsr-453	82	110	1	1	NUM
bjmsr-453	82	111	:	:	PUNCT
bjmsr-453	82	112	specialty	specialty	NOUN
bjmsr-453	82	113	or	or	CCONJ
bjmsr-453	82	114	below	below	ADV
bjmsr-453	82	115	;	;	PUNCT
bjmsr-453	82	116	2	2	NUM
bjmsr-453	82	117	:	:	PUNCT
bjmsr-453	82	118	undergraduate	undergraduate	NOUN
bjmsr-453	82	119	;	;	PUNCT
bjmsr-453	82	120	3	3	NUM
bjmsr-453	82	121	:	:	PUNCT
bjmsr-453	82	122	master	master	NOUN
bjmsr-453	82	123	's	's	PART
bjmsr-453	82	124	degree	degree	NOUN
bjmsr-453	82	125	or	or	CCONJ
bjmsr-453	82	126	above	above	ADP
bjmsr-453	82	127	x6	x6	PROPN
bjmsr-453	82	128	marital	marital	ADJ
bjmsr-453	82	129	status	status	NOUN
bjmsr-453	82	130	14	14	NUM
bjmsr-453	82	131	1	1	NUM
bjmsr-453	82	132	:	:	PUNCT
bjmsr-453	82	133	not	not	PART
bjmsr-453	82	134	married	married	ADJ
bjmsr-453	82	135	;	;	PUNCT
bjmsr-453	82	136	2	2	NUM
bjmsr-453	82	137	:	:	PUNCT
bjmsr-453	82	138	married	married	ADJ
bjmsr-453	82	139	;	;	PUNCT
bjmsr-453	82	140	3	3	NUM
bjmsr-453	82	141	:	:	PUNCT
bjmsr-453	82	142	divorced	divorce	VERB
bjmsr-453	82	143	;	;	PUNCT
bjmsr-453	82	144	4	4	NUM
bjmsr-453	82	145	:	:	PUNCT
bjmsr-453	82	146	widowed	widow	VERB
bjmsr-453	82	147	x7	x7	NOUN
bjmsr-453	82	148	compensation	compensation	NOUN
bjmsr-453	82	149	17	17	NUM
bjmsr-453	82	150	higher	high	ADJ
bjmsr-453	82	151	pay	pay	NOUN
bjmsr-453	82	152	,	,	PUNCT
bjmsr-453	82	153	higher	high	ADJ
bjmsr-453	82	154	rank	rank	NOUN
bjmsr-453	82	155	x8	x8	PROPN
bjmsr-453	82	156	whether	whether	SCONJ
bjmsr-453	82	157	there	there	PRON
bjmsr-453	82	158	is	be	VERB
bjmsr-453	82	159	fund	fund	NOUN
bjmsr-453	82	160	0	0	NUM
bjmsr-453	82	161	:	:	PUNCT
bjmsr-453	82	162	no	no	DET
bjmsr-453	82	163	fund	fund	NOUN
bjmsr-453	82	164	;	;	PUNCT
bjmsr-453	82	165	1	1	NUM
bjmsr-453	82	166	:	:	PUNCT
bjmsr-453	82	167	fund	fund	NOUN
bjmsr-453	82	168	x9	x9	NOUN
bjmsr-453	82	169	gender	gender	NOUN
bjmsr-453	82	170	0	0	NUM
bjmsr-453	82	171	:	:	PUNCT
bjmsr-453	82	172	female	female	ADJ
bjmsr-453	82	173	;	;	PUNCT
bjmsr-453	83	1	1	1	NUM
bjmsr-453	83	2	:	:	PUNCT
bjmsr-453	83	3	male	male	ADJ
bjmsr-453	83	4	x10	x10	ADP
bjmsr-453	83	5	gross	gross	ADJ
bjmsr-453	83	6	product	product	NOUN
bjmsr-453	83	7	of	of	ADP
bjmsr-453	83	8	the	the	DET
bjmsr-453	83	9	province	province	NOUN
bjmsr-453	83	10	1	1	NUM
bjmsr-453	83	11	-	-	SYM
bjmsr-453	83	12	29	29	NUM
bjmsr-453	83	13	the	the	PRON
bjmsr-453	83	14	greater	great	ADJ
bjmsr-453	83	15	the	the	DET
bjmsr-453	83	16	gdp	gdp	NOUN
bjmsr-453	83	17	in	in	ADP
bjmsr-453	83	18	the	the	DET
bjmsr-453	83	19	province	province	NOUN
bjmsr-453	83	20	,	,	PUNCT
bjmsr-453	83	21	the	the	PRON
bjmsr-453	83	22	higher	high	ADJ
bjmsr-453	83	23	the	the	DET
bjmsr-453	83	24	rank	rank	NOUN
bjmsr-453	83	25	x11	x11	NOUN
bjmsr-453	83	26	per	per	ADP
bjmsr-453	83	27	capita	capita	X
bjmsr-453	83	28	disposable	disposable	ADJ
bjmsr-453	83	29	income	income	NOUN
bjmsr-453	83	30	1	1	NUM
bjmsr-453	83	31	-	-	SYM
bjmsr-453	83	32	29	29	NUM
bjmsr-453	83	33	the	the	PRON
bjmsr-453	83	34	higher	high	ADJ
bjmsr-453	83	35	the	the	DET
bjmsr-453	83	36	per	per	ADP
bjmsr-453	83	37	capita	capita	X
bjmsr-453	83	38	disposable	disposable	ADJ
bjmsr-453	83	39	income	income	NOUN
bjmsr-453	83	40	,	,	PUNCT
bjmsr-453	83	41	the	the	PRON
bjmsr-453	83	42	higher	high	ADJ
bjmsr-453	83	43	the	the	DET
bjmsr-453	83	44	rank	rank	NOUN
bjmsr-453	83	45	x12	x12	NUM
bjmsr-453	83	46	per	per	ADP
bjmsr-453	83	47	capita	capita	X
bjmsr-453	83	48	consumption	consumption	NOUN
bjmsr-453	83	49	expenditure	expenditure	NOUN
bjmsr-453	83	50	1	1	NUM
bjmsr-453	83	51	-	-	SYM
bjmsr-453	83	52	29	29	NUM
bjmsr-453	83	53	the	the	PRON
bjmsr-453	83	54	higher	high	ADJ
bjmsr-453	83	55	the	the	DET
bjmsr-453	83	56	per	per	ADP
bjmsr-453	83	57	capita	capita	X
bjmsr-453	83	58	consumption	consumption	NOUN
bjmsr-453	83	59	expenditure	expenditure	NOUN
bjmsr-453	83	60	,	,	PUNCT
bjmsr-453	83	61	the	the	PRON
bjmsr-453	83	62	higher	high	ADJ
bjmsr-453	83	63	the	the	DET
bjmsr-453	83	64	rank	rank	PROPN
bjmsr-453	83	65	x13	x13	PROPN
bjmsr-453	83	66	regional	regional	ADJ
bjmsr-453	83	67	fixed	fix	VERB
bjmsr-453	83	68	assets	asset	NOUN
bjmsr-453	83	69	investment	investment	NOUN
bjmsr-453	83	70	1	1	NUM
bjmsr-453	83	71	-	-	SYM
bjmsr-453	83	72	28	28	NUM
bjmsr-453	83	73	the	the	PRON
bjmsr-453	83	74	higher	high	ADJ
bjmsr-453	83	75	the	the	DET
bjmsr-453	83	76	regional	regional	ADJ
bjmsr-453	83	77	fixed	fix	VERB
bjmsr-453	83	78	asset	asset	NOUN
bjmsr-453	83	79	investment	investment	NOUN
bjmsr-453	83	80	,	,	PUNCT
bjmsr-453	83	81	the	the	PRON
bjmsr-453	83	82	higher	high	ADJ
bjmsr-453	83	83	the	the	DET
bjmsr-453	83	84	grade	grade	NOUN
bjmsr-453	83	85	x14	x14	PROPN
bjmsr-453	83	86	regional	regional	ADJ
bjmsr-453	83	87	fixed	fix	VERB
bjmsr-453	83	88	asset	asset	NOUN
bjmsr-453	83	89	investment	investment	NOUN
bjmsr-453	83	90	index	index	NOUN
bjmsr-453	83	91	1	1	NUM
bjmsr-453	83	92	-	-	SYM
bjmsr-453	83	93	28	28	NUM
bjmsr-453	83	94	the	the	PRON
bjmsr-453	83	95	higher	high	ADJ
bjmsr-453	83	96	the	the	DET
bjmsr-453	83	97	regional	regional	ADJ
bjmsr-453	83	98	fixed	fix	VERB
bjmsr-453	83	99	asset	asset	NOUN
bjmsr-453	83	100	investment	investment	NOUN
bjmsr-453	83	101	index	index	NOUN
bjmsr-453	83	102	,	,	PUNCT
bjmsr-453	83	103	the	the	PRON
bjmsr-453	83	104	higher	high	ADJ
bjmsr-453	83	105	the	the	DET
bjmsr-453	83	106	grade	grade	NOUN
bjmsr-453	83	107	x15	x15	ADJ
bjmsr-453	83	108	unemployment	unemployment	NOUN
bjmsr-453	83	109	1	1	NUM
bjmsr-453	83	110	-	-	SYM
bjmsr-453	83	111	16	16	NUM
bjmsr-453	83	112	the	the	PRON
bjmsr-453	83	113	higher	high	ADJ
bjmsr-453	83	114	the	the	DET
bjmsr-453	83	115	unemployment	unemployment	NOUN
bjmsr-453	83	116	rate	rate	NOUN
bjmsr-453	83	117	,	,	PUNCT
bjmsr-453	83	118	the	the	PRON
bjmsr-453	83	119	higher	high	ADJ
bjmsr-453	83	120	the	the	DET
bjmsr-453	83	121	grade	grade	NOUN
bjmsr-453	83	122	copyright	copyright	NOUN
bjmsr-453	83	123	©	©	PROPN
bjmsr-453	83	124	cc	cc	NOUN
bjmsr-453	83	125	-	-	PUNCT
bjmsr-453	83	126	by	by	ADP
bjmsr-453	83	127	-	-	PUNCT
bjmsr-453	83	128	nc	nc	PROPN
bjmsr-453	83	129	2020	2020	NUM
bjmsr-453	83	130	,	,	PUNCT
bjmsr-453	83	131	cribfb	cribfb	PROPN
bjmsr-453	83	132	|bjmsr	|bjmsr	PROPN
bjmsr-453	83	133	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	84	1	bangladesh	bangladesh	PROPN
bjmsr-453	84	2	journal	journal	PROPN
bjmsr-453	84	3	of	of	ADP
bjmsr-453	84	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	84	5	scientific	scientific	ADJ
bjmsr-453	84	6	research	research	NOUN
bjmsr-453	84	7	vol	vol	NOUN
bjmsr-453	84	8	.	.	PROPN
bjmsr-453	85	1	2	2	NUM
bjmsr-453	85	2	,	,	PUNCT
bjmsr-453	85	3	no	no	INTJ
bjmsr-453	85	4	.	.	NOUN
bjmsr-453	85	5	1	1	NUM
bjmsr-453	85	6	;	;	PUNCT
bjmsr-453	85	7	2020	2020	NUM
bjmsr-453	85	8	5	5	NUM
bjmsr-453	85	9	2.4	2.4	NUM
bjmsr-453	85	10	data	datum	NOUN
bjmsr-453	85	11	preprocessing	preprocesse	VERB
bjmsr-453	85	12	in	in	ADP
bjmsr-453	85	13	summary	summary	NOUN
bjmsr-453	85	14	,	,	PUNCT
bjmsr-453	85	15	the	the	DET
bjmsr-453	85	16	borrowers	borrower	NOUN
bjmsr-453	85	17	with	with	ADP
bjmsr-453	85	18	or	or	CCONJ
bjmsr-453	85	19	without	without	ADP
bjmsr-453	85	20	deferred	deferred	ADJ
bjmsr-453	85	21	repayment	repayment	NOUN
bjmsr-453	85	22	of	of	ADP
bjmsr-453	85	23	a	a	DET
bjmsr-453	85	24	financial	financial	ADJ
bjmsr-453	85	25	institution	institution	NOUN
bjmsr-453	85	26	in	in	ADP
bjmsr-453	85	27	china	china	PROPN
bjmsr-453	85	28	from	from	ADP
bjmsr-453	85	29	january	january	PROPN
bjmsr-453	85	30	2017	2017	NUM
bjmsr-453	85	31	to	to	ADP
bjmsr-453	85	32	june	june	PROPN
bjmsr-453	85	33	2017	2017	NUM
bjmsr-453	85	34	shall	shall	AUX
bjmsr-453	85	35	be	be	AUX
bjmsr-453	85	36	taken	take	VERB
bjmsr-453	85	37	as	as	ADP
bjmsr-453	85	38	the	the	DET
bjmsr-453	85	39	total	total	ADJ
bjmsr-453	85	40	sample	sample	NOUN
bjmsr-453	85	41	of	of	ADP
bjmsr-453	85	42	data	datum	NOUN
bjmsr-453	85	43	processing	processing	NOUN
bjmsr-453	85	44	.	.	PUNCT
bjmsr-453	85	45			PART
bjmsr-453	86	1	first	first	ADV
bjmsr-453	86	2	,	,	PUNCT
bjmsr-453	86	3	the	the	DET
bjmsr-453	86	4	data	datum	NOUN
bjmsr-453	86	5	were	be	AUX
bjmsr-453	86	6	processed	process	VERB
bjmsr-453	86	7	,	,	PUNCT
bjmsr-453	86	8	and	and	CCONJ
bjmsr-453	86	9	we	we	PRON
bjmsr-453	86	10	found	find	VERB
bjmsr-453	86	11	that	that	SCONJ
bjmsr-453	86	12	the	the	DET
bjmsr-453	86	13	amount	amount	NOUN
bjmsr-453	86	14	of	of	ADP
bjmsr-453	86	15	data	datum	NOUN
bjmsr-453	86	16	for	for	ADP
bjmsr-453	86	17	the	the	DET
bjmsr-453	86	18	vacancy	vacancy	NOUN
bjmsr-453	86	19	values	value	NOUN
bjmsr-453	86	20	of	of	ADP
bjmsr-453	86	21	the	the	DET
bjmsr-453	86	22	samples	sample	NOUN
bjmsr-453	86	23	that	that	PRON
bjmsr-453	86	24	did	do	AUX
bjmsr-453	86	25	not	not	PART
bjmsr-453	86	26	contain	contain	VERB
bjmsr-453	86	27	agents	agent	NOUN
bjmsr-453	86	28	was	be	AUX
bjmsr-453	86	29	huge	huge	ADJ
bjmsr-453	86	30	,	,	PUNCT
bjmsr-453	86	31	and	and	CCONJ
bjmsr-453	86	32	the	the	DET
bjmsr-453	86	33	user	user	NOUN
bjmsr-453	86	34	,	,	PUNCT
bjmsr-453	86	35	no	no	DET
bjmsr-453	86	36	salary	salary	NOUN
bjmsr-453	86	37	levels	level	NOUN
bjmsr-453	86	38	of	of	ADP
bjmsr-453	86	39	the	the	DET
bjmsr-453	86	40	agents	agent	NOUN
bjmsr-453	86	41	,	,	PUNCT
bjmsr-453	86	42	were	be	AUX
bjmsr-453	86	43	not	not	PART
bjmsr-453	86	44	included	include	VERB
bjmsr-453	86	45	,	,	PUNCT
bjmsr-453	86	46	for	for	ADP
bjmsr-453	86	47	which	which	PRON
bjmsr-453	86	48	the	the	DET
bjmsr-453	86	49	data	datum	NOUN
bjmsr-453	86	50	were	be	AUX
bjmsr-453	86	51	divided	divide	VERB
bjmsr-453	86	52	into	into	ADP
bjmsr-453	86	53	two	two	NUM
bjmsr-453	86	54	sample	sample	NOUN
bjmsr-453	86	55	sets	set	NOUN
bjmsr-453	86	56	by	by	ADP
bjmsr-453	86	57	whether	whether	SCONJ
bjmsr-453	86	58	or	or	CCONJ
bjmsr-453	86	59	not	not	PART
bjmsr-453	86	60	the	the	DET
bjmsr-453	86	61	agents	agent	NOUN
bjmsr-453	86	62	were	be	AUX
bjmsr-453	86	63	included	include	VERB
bjmsr-453	86	64	and	and	CCONJ
bjmsr-453	86	65	analysed	analyse	VERB
bjmsr-453	86	66	separately	separately	ADV
bjmsr-453	86	67	.	.	PUNCT
bjmsr-453	87	1	then	then	ADV
bjmsr-453	87	2	,	,	PUNCT
bjmsr-453	87	3	analysis	analysis	NOUN
bjmsr-453	87	4	of	of	ADP
bjmsr-453	87	5	the	the	DET
bjmsr-453	87	6	data	datum	NOUN
bjmsr-453	87	7	found	find	VERB
bjmsr-453	87	8	that	that	SCONJ
bjmsr-453	87	9	the	the	DET
bjmsr-453	87	10	sample	sample	NOUN
bjmsr-453	87	11	data	datum	NOUN
bjmsr-453	87	12	are	be	AUX
bjmsr-453	87	13	microscopic	microscopic	ADJ
bjmsr-453	87	14	,	,	PUNCT
bjmsr-453	87	15	the	the	DET
bjmsr-453	87	16	lack	lack	NOUN
bjmsr-453	87	17	of	of	ADP
bjmsr-453	87	18	macroscopic	macroscopic	ADJ
bjmsr-453	87	19	data	datum	NOUN
bjmsr-453	87	20	support	support	NOUN
bjmsr-453	87	21	,	,	PUNCT
bjmsr-453	87	22	the	the	DET
bjmsr-453	87	23	conclusions	conclusion	NOUN
bjmsr-453	87	24	may	may	AUX
bjmsr-453	87	25	not	not	PART
bjmsr-453	87	26	be	be	AUX
bjmsr-453	87	27	accurate	accurate	ADJ
bjmsr-453	87	28	and	and	CCONJ
bjmsr-453	87	29	complete	complete	ADJ
bjmsr-453	87	30	.	.	PUNCT
bjmsr-453	88	1	therefore	therefore	ADV
bjmsr-453	88	2	,	,	PUNCT
bjmsr-453	88	3	the	the	DET
bjmsr-453	88	4	working	working	NOUN
bjmsr-453	88	5	province	province	NOUN
bjmsr-453	88	6	containing	contain	VERB
bjmsr-453	88	7	the	the	DET
bjmsr-453	88	8	agent	agent	NOUN
bjmsr-453	88	9	sample	sample	NOUN
bjmsr-453	88	10	and	and	CCONJ
bjmsr-453	88	11	the	the	DET
bjmsr-453	88	12	province	province	NOUN
bjmsr-453	88	13	of	of	ADP
bjmsr-453	88	14	origin	origin	NOUN
bjmsr-453	88	15	without	without	ADP
bjmsr-453	88	16	the	the	DET
bjmsr-453	88	17	agent	agent	NOUN
bjmsr-453	88	18	sample	sample	NOUN
bjmsr-453	88	19	(	(	PUNCT
bjmsr-453	88	20	known	know	VERB
bjmsr-453	88	21	from	from	ADP
bjmsr-453	88	22	the	the	DET
bjmsr-453	88	23	first	first	ADJ
bjmsr-453	88	24	two	two	NUM
bjmsr-453	88	25	digits	digit	NOUN
bjmsr-453	88	26	of	of	ADP
bjmsr-453	88	27	the	the	DET
bjmsr-453	88	28	i	i	PROPN
bjmsr-453	88	29	d	d	PROPN
bjmsr-453	88	30	card	card	NOUN
bjmsr-453	88	31	)	)	PUNCT
bjmsr-453	88	32	were	be	AUX
bjmsr-453	88	33	converted	convert	VERB
bjmsr-453	88	34	into	into	ADP
bjmsr-453	88	35	six	six	NUM
bjmsr-453	88	36	indicator	indicator	NOUN
bjmsr-453	88	37	representatives	representative	NOUN
bjmsr-453	88	38	related	relate	VERB
bjmsr-453	88	39	to	to	ADP
bjmsr-453	88	40	economic	economic	ADJ
bjmsr-453	88	41	development	development	NOUN
bjmsr-453	88	42	,	,	PUNCT
bjmsr-453	88	43	namely	namely	ADV
bjmsr-453	88	44	,	,	PUNCT
bjmsr-453	88	45	the	the	DET
bjmsr-453	88	46	province	province	NOUN
bjmsr-453	88	47	's	's	PART
bjmsr-453	88	48	gross	gross	ADJ
bjmsr-453	88	49	product	product	NOUN
bjmsr-453	88	50	,	,	PUNCT
bjmsr-453	88	51	per	per	ADP
bjmsr-453	88	52	capita	capita	X
bjmsr-453	88	53	disposable	disposable	ADJ
bjmsr-453	88	54	income	income	NOUN
bjmsr-453	88	55	,	,	PUNCT
bjmsr-453	88	56	per	per	ADP
bjmsr-453	88	57	capita	capita	X
bjmsr-453	88	58	consumption	consumption	NOUN
bjmsr-453	88	59	expenditure	expenditure	NOUN
bjmsr-453	88	60	,	,	PUNCT
bjmsr-453	88	61	regional	regional	ADJ
bjmsr-453	88	62	fixed	fix	VERB
bjmsr-453	88	63	asset	asset	NOUN
bjmsr-453	88	64	investment	investment	NOUN
bjmsr-453	88	65	,	,	PUNCT
bjmsr-453	88	66	regional	regional	ADJ
bjmsr-453	88	67	fixed	fix	VERB
bjmsr-453	88	68	-	-	PUNCT
bjmsr-453	88	69	asset	asset	NOUN
bjmsr-453	88	70	investment	investment	NOUN
bjmsr-453	88	71	index	index	NOUN
bjmsr-453	88	72	,	,	PUNCT
bjmsr-453	88	73	and	and	CCONJ
bjmsr-453	88	74	unemployment	unemployment	NOUN
bjmsr-453	88	75	rate	rate	NOUN
bjmsr-453	88	76	(	(	PUNCT
bjmsr-453	88	77	all	all	DET
bjmsr-453	88	78	data	datum	NOUN
bjmsr-453	88	79	resources	resource	NOUN
bjmsr-453	88	80	given	give	VERB
bjmsr-453	88	81	by	by	ADP
bjmsr-453	88	82	china	china	PROPN
bjmsr-453	88	83	statistical	statistical	ADJ
bjmsr-453	88	84	yearbook	yearbook	NOUN
bjmsr-453	88	85	2017	2017	NUM
bjmsr-453	88	86	obtained	obtain	VERB
bjmsr-453	88	87	)	)	PUNCT
bjmsr-453	88	88	.	.	PUNCT
bjmsr-453	89	1			PROPN
bjmsr-453	89	2	selection	selection	NOUN
bjmsr-453	89	3	of	of	ADP
bjmsr-453	89	4	samples	sample	NOUN
bjmsr-453	89	5	.	.	PUNCT
bjmsr-453	90	1	select	select	VERB
bjmsr-453	90	2	whether	whether	SCONJ
bjmsr-453	90	3	to	to	PART
bjmsr-453	90	4	include	include	VERB
bjmsr-453	90	5	the	the	DET
bjmsr-453	90	6	full	full	ADJ
bjmsr-453	90	7	sample	sample	NOUN
bjmsr-453	90	8	remaining	remain	VERB
bjmsr-453	90	9	from	from	ADP
bjmsr-453	90	10	the	the	DET
bjmsr-453	90	11	agent	agent	NOUN
bjmsr-453	90	12	.	.	PUNCT
bjmsr-453	91	1			PROPN
bjmsr-453	91	2	added	add	VERB
bjmsr-453	91	3	blank	blank	ADJ
bjmsr-453	91	4	and	and	CCONJ
bjmsr-453	91	5	missing	miss	VERB
bjmsr-453	91	6	values	value	NOUN
bjmsr-453	91	7	since	since	SCONJ
bjmsr-453	91	8	the	the	DET
bjmsr-453	91	9	data	datum	NOUN
bjmsr-453	91	10	has	have	AUX
bjmsr-453	91	11	been	be	AUX
bjmsr-453	91	12	split	split	VERB
bjmsr-453	91	13	into	into	ADP
bjmsr-453	91	14	two	two	NUM
bjmsr-453	91	15	data	datum	NOUN
bjmsr-453	91	16	sets	set	NOUN
bjmsr-453	91	17	for	for	ADP
bjmsr-453	91	18	analysis	analysis	NOUN
bjmsr-453	91	19	,	,	PUNCT
bjmsr-453	91	20	the	the	DET
bjmsr-453	91	21	samples	sample	NOUN
bjmsr-453	91	22	with	with	ADP
bjmsr-453	91	23	vacancy	vacancy	NOUN
bjmsr-453	91	24	values	value	NOUN
bjmsr-453	91	25	in	in	ADP
bjmsr-453	91	26	the	the	DET
bjmsr-453	91	27	two	two	NUM
bjmsr-453	91	28	data	data	NOUN
bjmsr-453	91	29	sets	set	NOUN
bjmsr-453	91	30	were	be	AUX
bjmsr-453	91	31	filtered	filter	VERB
bjmsr-453	91	32	out	out	ADP
bjmsr-453	91	33	,	,	PUNCT
bjmsr-453	91	34	respectively	respectively	ADV
bjmsr-453	91	35	,	,	PUNCT
bjmsr-453	91	36	and	and	CCONJ
bjmsr-453	91	37	then	then	ADV
bjmsr-453	91	38	approximately	approximately	ADV
bjmsr-453	91	39	95	95	NUM
bjmsr-453	91	40	%	%	NOUN
bjmsr-453	91	41	of	of	ADP
bjmsr-453	91	42	the	the	DET
bjmsr-453	91	43	sample	sample	NOUN
bjmsr-453	91	44	size	size	NOUN
bjmsr-453	91	45	remained	remain	VERB
bjmsr-453	91	46	in	in	ADP
bjmsr-453	91	47	each	each	DET
bjmsr-453	91	48	data	datum	NOUN
bjmsr-453	91	49	set	set	VERB
bjmsr-453	91	50	,	,	PUNCT
bjmsr-453	91	51	and	and	CCONJ
bjmsr-453	91	52	the	the	DET
bjmsr-453	91	53	data	data	NOUN
bjmsr-453	91	54	integrity	integrity	NOUN
bjmsr-453	91	55	of	of	ADP
bjmsr-453	91	56	these	these	DET
bjmsr-453	91	57	samples	sample	NOUN
bjmsr-453	91	58	was	be	AUX
bjmsr-453	91	59	functional	functional	ADJ
bjmsr-453	91	60	.	.	PUNCT
bjmsr-453	92	1	therefore	therefore	ADV
bjmsr-453	92	2	,	,	PUNCT
bjmsr-453	92	3	in	in	ADP
bjmsr-453	92	4	combination	combination	NOUN
bjmsr-453	92	5	with	with	ADP
bjmsr-453	92	6	the	the	DET
bjmsr-453	92	7	above	above	ADJ
bjmsr-453	92	8	analysis	analysis	NOUN
bjmsr-453	92	9	,	,	PUNCT
bjmsr-453	92	10	a	a	DET
bjmsr-453	92	11	small	small	ADJ
bjmsr-453	92	12	number	number	NOUN
bjmsr-453	92	13	of	of	ADP
bjmsr-453	92	14	samples	sample	NOUN
bjmsr-453	92	15	with	with	ADP
bjmsr-453	92	16	vacant	vacant	ADJ
bjmsr-453	92	17	values	value	NOUN
bjmsr-453	92	18	are	be	AUX
bjmsr-453	92	19	directly	directly	ADV
bjmsr-453	92	20	sieved	sieve	VERB
bjmsr-453	92	21	out	out	ADP
bjmsr-453	92	22	to	to	PART
bjmsr-453	92	23	obtain	obtain	VERB
bjmsr-453	92	24	the	the	DET
bjmsr-453	92	25	final	final	ADJ
bjmsr-453	92	26	sample	sample	NOUN
bjmsr-453	92	27	with	with	ADP
bjmsr-453	92	28	or	or	CCONJ
bjmsr-453	92	29	without	without	ADP
bjmsr-453	92	30	agents	agent	NOUN
bjmsr-453	92	31	.	.	PUNCT
bjmsr-453	93	1	3	3	X
bjmsr-453	93	2	.	.	X
bjmsr-453	93	3	analysis	analysis	NOUN
bjmsr-453	93	4	and	and	CCONJ
bjmsr-453	93	5	finding	find	VERB
bjmsr-453	93	6	3.1	3.1	NUM
bjmsr-453	93	7	descriptive	descriptive	ADJ
bjmsr-453	93	8	statistical	statistical	ADJ
bjmsr-453	93	9	analysis	analysis	NOUN
bjmsr-453	93	10	the	the	DET
bjmsr-453	93	11	collected	collect	VERB
bjmsr-453	93	12	data	data	NOUN
bjmsr-453	93	13	samples	sample	NOUN
bjmsr-453	93	14	were	be	AUX
bjmsr-453	93	15	first	first	ADV
bjmsr-453	93	16	subjected	subject	VERB
bjmsr-453	93	17	to	to	ADP
bjmsr-453	93	18	descriptive	descriptive	ADJ
bjmsr-453	93	19	statistical	statistical	ADJ
bjmsr-453	93	20	analysis	analysis	NOUN
bjmsr-453	93	21	using	use	VERB
bjmsr-453	93	22	spss	spss	PROPN
bjmsr-453	93	23	23.0	23.0	NUM
bjmsr-453	93	24	.	.	PUNCT
bjmsr-453	94	1	table	table	NOUN
bjmsr-453	94	2	4	4	NUM
bjmsr-453	94	3	.	.	PUNCT
bjmsr-453	94	4	descriptive	descriptive	ADJ
bjmsr-453	94	5	statistics	statistic	NOUN
bjmsr-453	94	6	including	include	VERB
bjmsr-453	94	7	samples	sample	NOUN
bjmsr-453	94	8	of	of	ADP
bjmsr-453	94	9	agents	agent	NOUN
bjmsr-453	94	10	variable	variable	ADJ
bjmsr-453	94	11	n	n	CCONJ
bjmsr-453	94	12	minimum	minimum	NOUN
bjmsr-453	94	13	value	value	NOUN
bjmsr-453	94	14	maximum	maximum	ADJ
bjmsr-453	94	15	value	value	NOUN
bjmsr-453	94	16	mean	mean	PROPN
bjmsr-453	94	17	st	st	PROPN
bjmsr-453	94	18	.	.	PROPN
bjmsr-453	94	19	dev	dev	PROPN
bjmsr-453	94	20	.	.	PUNCT
bjmsr-453	95	1	skewness	skewness	NOUN
bjmsr-453	95	2	kurtosis	kurtosis	VERB
bjmsr-453	95	3	y	y	PROPN
bjmsr-453	95	4	5775	5775	NUM
bjmsr-453	95	5	0	0	NUM
bjmsr-453	95	6	1	1	NUM
bjmsr-453	95	7	0.121	0.121	NUM
bjmsr-453	95	8	0.326	0.326	NUM
bjmsr-453	95	9	2.2.327	2.2.327	NUM
bjmsr-453	95	10	3.415	3.415	NUM
bjmsr-453	95	11	x1	x1	NUM
bjmsr-453	95	12	5775	5775	NUM
bjmsr-453	95	13	1	1	NUM
bjmsr-453	95	14	12	12	NUM
bjmsr-453	95	15	4.486	4.486	NUM
bjmsr-453	95	16	2.381	2.381	NUM
bjmsr-453	95	17	0.544	0.544	NUM
bjmsr-453	95	18	0.238	0.238	NUM
bjmsr-453	95	19	x2	x2	ADJ
bjmsr-453	95	20	5775	5775	NUM
bjmsr-453	95	21	1	1	NUM
bjmsr-453	95	22	11	11	NUM
bjmsr-453	95	23	10.573	10.573	NUM
bjmsr-453	95	24	1.017	1.017	NUM
bjmsr-453	95	25	3.742	3.742	NUM
bjmsr-453	95	26	18.456	18.456	NUM
bjmsr-453	95	27	x3	x3	ADJ
bjmsr-453	95	28	5775	5775	NUM
bjmsr-453	95	29	0	0	NUM
bjmsr-453	95	30	1	1	NUM
bjmsr-453	95	31	0.689	0.689	NUM
bjmsr-453	95	32	0.463	0.463	NUM
bjmsr-453	95	33	0.815	0.815	NUM
bjmsr-453	95	34	1.336	1.336	NUM
bjmsr-453	95	35	x5	x5	NOUN
bjmsr-453	95	36	5775	5775	NUM
bjmsr-453	95	37	1	1	NUM
bjmsr-453	95	38	3	3	NUM
bjmsr-453	95	39	1.264	1.264	NUM
bjmsr-453	95	40	0.454	0.454	NUM
bjmsr-453	95	41	1.253	1.253	NUM
bjmsr-453	95	42	0.062	0.062	NUM
bjmsr-453	95	43	x6	x6	PROPN
bjmsr-453	95	44	5775	5775	NUM
bjmsr-453	95	45	1	1	NUM
bjmsr-453	95	46	4	4	NUM
bjmsr-453	95	47	1.742	1.742	NUM
bjmsr-453	95	48	0.533	0.533	NUM
bjmsr-453	95	49	0.022	0.022	NUM
bjmsr-453	95	50	0.513	0.513	NUM
bjmsr-453	95	51	x7	x7	NOUN
bjmsr-453	95	52	5775	5775	NUM
bjmsr-453	95	53	1	1	NUM
bjmsr-453	95	54	7	7	NUM
bjmsr-453	95	55	3.588	3.588	NUM
bjmsr-453	95	56	1.414	1.414	NUM
bjmsr-453	95	57	0.876	0.876	NUM
bjmsr-453	95	58	0.216	0.216	NUM
bjmsr-453	95	59	x8	x8	NOUN
bjmsr-453	95	60	5775	5775	NUM
bjmsr-453	95	61	0	0	NUM
bjmsr-453	96	1	1	1	NUM
bjmsr-453	96	2	0.363	0.363	NUM
bjmsr-453	96	3	0.481	0.481	NUM
bjmsr-453	96	4	0.571	0.571	NUM
bjmsr-453	96	5	1.675	1.675	NUM
bjmsr-453	96	6	x9	x9	NOUN
bjmsr-453	96	7	5775	5775	NUM
bjmsr-453	96	8	0	0	NUM
bjmsr-453	96	9	1	1	NUM
bjmsr-453	96	10	0.684	0.684	NUM
bjmsr-453	96	11	0.465	0.465	NUM
bjmsr-453	96	12	0.793	0.793	NUM
bjmsr-453	96	13	1.371	1.371	NUM
bjmsr-453	96	14	x10	x10	ADP
bjmsr-453	96	15	5775	5775	NUM
bjmsr-453	96	16	1	1	NUM
bjmsr-453	96	17	29	29	NUM
bjmsr-453	96	18	19.953	19.953	NUM
bjmsr-453	96	19	6.878	6.878	NUM
bjmsr-453	96	20	0.709	0.709	NUM
bjmsr-453	96	21	0.558	0.558	NUM
bjmsr-453	96	22	x11	x11	NOUN
bjmsr-453	96	23	5775	5775	NUM
bjmsr-453	96	24	1	1	NUM
bjmsr-453	96	25	29	29	NUM
bjmsr-453	96	26	18.329	18.329	NUM
bjmsr-453	96	27	7.348	7.348	NUM
bjmsr-453	96	28	0.362	0.362	NUM
bjmsr-453	96	29	1.252	1.252	NUM
bjmsr-453	96	30	x12	x12	NUM
bjmsr-453	96	31	5775	5775	NUM
bjmsr-453	96	32	1	1	NUM
bjmsr-453	96	33	28	28	NUM
bjmsr-453	96	34	16.963	16.963	NUM
bjmsr-453	96	35	7.381	7.381	NUM
bjmsr-453	96	36	0.386	0.386	NUM
bjmsr-453	96	37	1.276	1.276	NUM
bjmsr-453	96	38	x13	x13	NOUN
bjmsr-453	96	39	5775	5775	NUM
bjmsr-453	96	40	1	1	NUM
bjmsr-453	96	41	28	28	NUM
bjmsr-453	96	42	18.920	18.920	NUM
bjmsr-453	96	43	7.619	7.619	NUM
bjmsr-453	96	44	0.683	0.683	NUM
bjmsr-453	96	45	0.883	0.883	NUM
bjmsr-453	96	46	x14	x14	NOUN
bjmsr-453	96	47	5775	5775	NUM
bjmsr-453	96	48	1	1	NUM
bjmsr-453	96	49	16	16	NUM
bjmsr-453	96	50	8.344	8.344	NUM
bjmsr-453	96	51	3.953	3.953	NUM
bjmsr-453	96	52	0.257	0.257	NUM
bjmsr-453	96	53	1.225	1.225	NUM
bjmsr-453	96	54	x15	x15	NUM
bjmsr-453	96	55	5775	5775	NUM
bjmsr-453	96	56	1	1	NUM
bjmsr-453	96	57	16	16	NUM
bjmsr-453	96	58	9.283	9.283	NUM
bjmsr-453	96	59	4.310	4.310	NUM
bjmsr-453	96	60	0.053	0.053	NUM
bjmsr-453	96	61	1.168	1.168	NUM
bjmsr-453	96	62	table	table	NOUN
bjmsr-453	96	63	5.descriptive	5.descriptive	NUM
bjmsr-453	96	64	statistics	statistic	NOUN
bjmsr-453	96	65	for	for	ADP
bjmsr-453	96	66	non	non	ADJ
bjmsr-453	96	67	-	-	ADJ
bjmsr-453	96	68	agent	agent	ADJ
bjmsr-453	96	69	sample	sample	NOUN
bjmsr-453	96	70	variables	variable	VERB
bjmsr-453	96	71	y	y	PROPN
bjmsr-453	96	72	n	n	CCONJ
bjmsr-453	96	73	minimum	minimum	ADJ
bjmsr-453	96	74	maximum	maximum	ADJ
bjmsr-453	96	75	value	value	NOUN
bjmsr-453	96	76	mean	mean	NOUN
bjmsr-453	96	77	standard	standard	ADJ
bjmsr-453	96	78	deviation	deviation	NOUN
bjmsr-453	96	79	skewness	skewness	NOUN
bjmsr-453	96	80	kurtosis	kurtosis	VERB
bjmsr-453	96	81	x1	x1	PROPN
bjmsr-453	96	82	20134	20134	NUM
bjmsr-453	96	83	0	0	NUM
bjmsr-453	96	84	1	1	NUM
bjmsr-453	96	85	0.044	0.044	NUM
bjmsr-453	96	86	0.206	0.206	NUM
bjmsr-453	96	87	4.421	4.421	NUM
bjmsr-453	96	88	17.547	17.547	NUM
bjmsr-453	96	89	x3	x3	ADJ
bjmsr-453	96	90	20134	20134	NUM
bjmsr-453	96	91	0	0	NUM
bjmsr-453	96	92	1	1	NUM
bjmsr-453	96	93	0.569	0.569	NUM
bjmsr-453	96	94	0.495	0.495	NUM
bjmsr-453	96	95	0.279	0.279	NUM
bjmsr-453	96	96	1.922	1.922	NUM
bjmsr-453	96	97	copyright	copyright	NOUN
bjmsr-453	96	98	©	©	PROPN
bjmsr-453	96	99	cc	cc	NOUN
bjmsr-453	96	100	-	-	PUNCT
bjmsr-453	96	101	by	by	ADP
bjmsr-453	96	102	-	-	PUNCT
bjmsr-453	96	103	nc	nc	PROPN
bjmsr-453	96	104	2020	2020	NUM
bjmsr-453	96	105	,	,	PUNCT
bjmsr-453	96	106	cribfb	cribfb	PROPN
bjmsr-453	96	107	|bjmsr	|bjmsr	PROPN
bjmsr-453	96	108	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	97	1	bangladesh	bangladesh	PROPN
bjmsr-453	97	2	journal	journal	PROPN
bjmsr-453	97	3	of	of	ADP
bjmsr-453	97	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	97	5	scientific	scientific	ADJ
bjmsr-453	97	6	research	research	NOUN
bjmsr-453	97	7	vol	vol	NOUN
bjmsr-453	97	8	.	.	PROPN
bjmsr-453	98	1	2	2	NUM
bjmsr-453	98	2	,	,	PUNCT
bjmsr-453	98	3	no	no	INTJ
bjmsr-453	98	4	.	.	NOUN
bjmsr-453	98	5	1	1	NUM
bjmsr-453	98	6	;	;	PUNCT
bjmsr-453	99	1	2020	2020	NUM
bjmsr-453	99	2	6	6	NUM
bjmsr-453	99	3	x5	x5	NOUN
bjmsr-453	99	4	20134	20134	NUM
bjmsr-453	99	5	1	1	NUM
bjmsr-453	99	6	4	4	NUM
bjmsr-453	99	7	1.301	1.301	NUM
bjmsr-453	99	8	0.563	0.563	NUM
bjmsr-453	99	9	2.219	2.219	NUM
bjmsr-453	99	10	6.157	6.157	NUM
bjmsr-453	99	11	x6	x6	PROPN
bjmsr-453	99	12	20134	20134	NUM
bjmsr-453	99	13	1	1	NUM
bjmsr-453	99	14	5	5	NUM
bjmsr-453	99	15	1.726	1.726	NUM
bjmsr-453	99	16	0.601	0.601	NUM
bjmsr-453	99	17	1.062	1.062	NUM
bjmsr-453	99	18	5.311	5.311	NUM
bjmsr-453	99	19	x8	x8	NOUN
bjmsr-453	99	20	20134	20134	NUM
bjmsr-453	99	21	0	0	NUM
bjmsr-453	99	22	1	1	NUM
bjmsr-453	99	23	0.503	0.503	NUM
bjmsr-453	99	24	0.500	0.500	NUM
bjmsr-453	99	25	0.013	0.013	NUM
bjmsr-453	99	26	2.000	2.000	NUM
bjmsr-453	99	27	x9	x9	NOUN
bjmsr-453	99	28	20134	20134	NUM
bjmsr-453	99	29	0	0	NUM
bjmsr-453	99	30	1	1	NUM
bjmsr-453	99	31	0.713	0.713	NUM
bjmsr-453	99	32	0.452	0.452	NUM
bjmsr-453	99	33	0.944	0.944	NUM
bjmsr-453	99	34	1.110	1.110	NUM
bjmsr-453	99	35	x10	x10	ADP
bjmsr-453	99	36	20134	20134	NUM
bjmsr-453	99	37	6	6	NUM
bjmsr-453	99	38	28	28	NUM
bjmsr-453	99	39	20.477	20.477	NUM
bjmsr-453	99	40	6.638	6.638	NUM
bjmsr-453	99	41	0.821	0.821	NUM
bjmsr-453	99	42	0.378	0.378	NUM
bjmsr-453	99	43	x11	x11	NOUN
bjmsr-453	99	44	2	2	NUM
bjmsr-453	99	45	0134	0134	NUM
bjmsr-453	99	46	6	6	NUM
bjmsr-453	99	47	29	29	NUM
bjmsr-453	99	48	18.538	18.538	NUM
bjmsr-453	99	49	6.815	6.815	NUM
bjmsr-453	99	50	0.302	0.302	NUM
bjmsr-453	99	51	1.151	1.151	NUM
bjmsr-453	99	52	x12	x12	NUM
bjmsr-453	99	53	20134	20134	NUM
bjmsr-453	99	54	5	5	NUM
bjmsr-453	99	55	28	28	NUM
bjmsr-453	99	56	16.921	16.921	NUM
bjmsr-453	99	57	6.944	6.944	NUM
bjmsr-453	99	58	0.355	0.355	NUM
bjmsr-453	99	59	1.199	1.199	NUM
bjmsr-453	99	60	x13	x13	NOUN
bjmsr-453	99	61	20134	20134	NUM
bjmsr-453	99	62	4	4	NUM
bjmsr-453	99	63	28	28	NUM
bjmsr-453	99	64	19.909	19.909	NUM
bjmsr-453	99	65	7.145	7.145	NUM
bjmsr-453	99	66	0.911	0.911	NUM
bjmsr-453	99	67	0.353	0.353	NUM
bjmsr-453	99	68	x14	x14	PROPN
bjmsr-453	99	69	20134	20134	NUM
bjmsr-453	99	70	2	2	NUM
bjmsr-453	99	71	16	16	NUM
bjmsr-453	99	72	8.121	8.121	NUM
bjmsr-453	99	73	4.031	4.031	NUM
bjmsr-453	99	74	0.403	0.403	NUM
bjmsr-453	99	75	1.093	1.093	NUM
bjmsr-453	99	76	x15	x15	NUM
bjmsr-453	99	77	20134	20134	NUM
bjmsr-453	99	78	1	1	NUM
bjmsr-453	99	79	16	16	NUM
bjmsr-453	99	80	8.880	8.880	NUM
bjmsr-453	99	81	4.253	4.253	NUM
bjmsr-453	99	82	0.111	0.111	NUM
bjmsr-453	99	83	1.117	1.117	NUM
bjmsr-453	99	84	from	from	ADP
bjmsr-453	99	85	descriptive	descriptive	ADJ
bjmsr-453	99	86	statistics	statistic	NOUN
bjmsr-453	99	87	,	,	PUNCT
bjmsr-453	99	88	it	it	PRON
bjmsr-453	99	89	can	can	AUX
bjmsr-453	99	90	be	be	AUX
bjmsr-453	99	91	seen	see	VERB
bjmsr-453	99	92	that	that	SCONJ
bjmsr-453	99	93	the	the	DET
bjmsr-453	99	94	degree	degree	NOUN
bjmsr-453	99	95	of	of	ADP
bjmsr-453	99	96	steepness	steepness	NOUN
bjmsr-453	99	97	or	or	CCONJ
bjmsr-453	99	98	smoothness	smoothness	NOUN
bjmsr-453	99	99	varies	vary	VERB
bjmsr-453	99	100	significantly	significantly	ADV
bjmsr-453	99	101	among	among	ADP
bjmsr-453	99	102	different	different	ADJ
bjmsr-453	99	103	variables	variable	NOUN
bjmsr-453	99	104	,	,	PUNCT
bjmsr-453	99	105	as	as	SCONJ
bjmsr-453	99	106	does	do	VERB
bjmsr-453	99	107	the	the	DET
bjmsr-453	99	108	degree	degree	NOUN
bjmsr-453	99	109	of	of	ADP
bjmsr-453	99	110	skew	skew	NOUN
bjmsr-453	99	111	.	.	PUNCT
bjmsr-453	100	1	3.2	3.2	NUM
bjmsr-453	100	2	basic	basic	ADJ
bjmsr-453	100	3	analysis	analysis	NOUN
bjmsr-453	100	4	of	of	ADP
bjmsr-453	100	5	variables	variable	NOUN
bjmsr-453	100	6	first	first	ADV
bjmsr-453	100	7	,	,	PUNCT
bjmsr-453	100	8	it	it	PRON
bjmsr-453	100	9	can	can	AUX
bjmsr-453	100	10	be	be	AUX
bjmsr-453	100	11	seen	see	VERB
bjmsr-453	100	12	that	that	SCONJ
bjmsr-453	100	13	in	in	ADP
bjmsr-453	100	14	the	the	DET
bjmsr-453	100	15	sample	sample	NOUN
bjmsr-453	100	16	containing	contain	VERB
bjmsr-453	100	17	agents	agent	NOUN
bjmsr-453	100	18	,	,	PUNCT
bjmsr-453	100	19	the	the	DET
bjmsr-453	100	20	number	number	NOUN
bjmsr-453	100	21	of	of	ADP
bjmsr-453	100	22	deferred	deferred	ADJ
bjmsr-453	100	23	repayments	repayment	NOUN
bjmsr-453	100	24	is	be	AUX
bjmsr-453	100	25	:	:	PUNCT
bjmsr-453	100	26	698	698	NUM
bjmsr-453	100	27	,	,	PUNCT
bjmsr-453	100	28	accounting	account	VERB
bjmsr-453	100	29	for	for	ADP
bjmsr-453	100	30	about	about	ADV
bjmsr-453	100	31	:	:	PUNCT
bjmsr-453	100	32	12	12	NUM
bjmsr-453	100	33	%	%	NOUN
bjmsr-453	100	34	.	.	PUNCT
bjmsr-453	101	1	the	the	DET
bjmsr-453	101	2	number	number	NOUN
bjmsr-453	101	3	of	of	ADP
bjmsr-453	101	4	performance	performance	NOUN
bjmsr-453	101	5	articles	article	NOUN
bjmsr-453	101	6	was	be	AUX
bjmsr-453	101	7	5077	5077	NUM
bjmsr-453	101	8	,	,	PUNCT
bjmsr-453	101	9	or	or	CCONJ
bjmsr-453	101	10	about	about	ADV
bjmsr-453	101	11	88	88	NUM
bjmsr-453	101	12	percent	percent	NOUN
bjmsr-453	101	13	.	.	PUNCT
bjmsr-453	102	1	as	as	SCONJ
bjmsr-453	102	2	shown	show	VERB
bjmsr-453	102	3	in	in	ADP
bjmsr-453	102	4	the	the	DET
bjmsr-453	102	5	figure	figure	NOUN
bjmsr-453	102	6	below	below	ADV
bjmsr-453	102	7	:	:	PUNCT
bjmsr-453	102	8	figure	figure	VERB
bjmsr-453	102	9	1	1	NUM
bjmsr-453	102	10	.	.	PUNCT
bjmsr-453	102	11	percentage	percentage	NOUN
bjmsr-453	102	12	of	of	ADP
bjmsr-453	102	13	samples	sample	NOUN
bjmsr-453	102	14	containing	contain	VERB
bjmsr-453	102	15	agents	agent	NOUN
bjmsr-453	102	16	with	with	ADP
bjmsr-453	102	17	or	or	CCONJ
bjmsr-453	102	18	without	without	ADP
bjmsr-453	102	19	deferred	deferred	ADJ
bjmsr-453	102	20	repayment	repayment	NOUN
bjmsr-453	102	21	based	base	VERB
bjmsr-453	102	22	on	on	ADP
bjmsr-453	102	23	the	the	DET
bjmsr-453	102	24	above	above	ADJ
bjmsr-453	102	25	analysis	analysis	NOUN
bjmsr-453	102	26	,	,	PUNCT
bjmsr-453	102	27	it	it	PRON
bjmsr-453	102	28	can	can	AUX
bjmsr-453	102	29	be	be	AUX
bjmsr-453	102	30	initially	initially	ADV
bjmsr-453	102	31	seen	see	VERB
bjmsr-453	102	32	that	that	SCONJ
bjmsr-453	102	33	the	the	DET
bjmsr-453	102	34	relative	relative	NOUN
bjmsr-453	102	35	contains	contain	VERB
bjmsr-453	102	36	the	the	DET
bjmsr-453	102	37	user	user	NOUN
bjmsr-453	102	38	of	of	ADP
bjmsr-453	102	39	the	the	DET
bjmsr-453	102	40	agent	agent	NOUN
bjmsr-453	102	41	has	have	VERB
bjmsr-453	102	42	a	a	DET
bjmsr-453	102	43	high	high	ADJ
bjmsr-453	102	44	probability	probability	NOUN
bjmsr-453	102	45	of	of	ADP
bjmsr-453	102	46	deferred	defer	VERB
bjmsr-453	102	47	repayment	repayment	NOUN
bjmsr-453	102	48	users	user	NOUN
bjmsr-453	102	49	without	without	ADP
bjmsr-453	102	50	agents	agent	NOUN
bjmsr-453	102	51	.	.	PUNCT
bjmsr-453	103	1	furthermore	furthermore	ADV
bjmsr-453	103	2	,	,	PUNCT
bjmsr-453	103	3	overall	overall	ADJ
bjmsr-453	103	4	,	,	PUNCT
bjmsr-453	103	5	nearly	nearly	ADV
bjmsr-453	103	6	90	90	NUM
bjmsr-453	103	7	%	%	NOUN
bjmsr-453	103	8	of	of	ADP
bjmsr-453	103	9	people	people	NOUN
bjmsr-453	103	10	have	have	AUX
bjmsr-453	103	11	not	not	PART
bjmsr-453	103	12	extended	extend	VERB
bjmsr-453	103	13	their	their	PRON
bjmsr-453	103	14	repayment	repayment	NOUN
bjmsr-453	103	15	terms	term	NOUN
bjmsr-453	103	16	.	.	PUNCT
bjmsr-453	104	1	an	an	DET
bjmsr-453	104	2	analysis	analysis	NOUN
bjmsr-453	104	3	that	that	PRON
bjmsr-453	104	4	did	do	AUX
bjmsr-453	104	5	not	not	PART
bjmsr-453	104	6	include	include	VERB
bjmsr-453	104	7	a	a	DET
bjmsr-453	104	8	sample	sample	NOUN
bjmsr-453	104	9	of	of	ADP
bjmsr-453	104	10	agents	agent	NOUN
bjmsr-453	104	11	was	be	AUX
bjmsr-453	104	12	then	then	ADV
bjmsr-453	104	13	performed	perform	VERB
bjmsr-453	104	14	.	.	PUNCT
bjmsr-453	105	1	it	it	PRON
bjmsr-453	105	2	can	can	AUX
bjmsr-453	105	3	be	be	AUX
bjmsr-453	105	4	seen	see	VERB
bjmsr-453	105	5	that	that	SCONJ
bjmsr-453	105	6	in	in	ADP
bjmsr-453	105	7	the	the	DET
bjmsr-453	105	8	samples	sample	NOUN
bjmsr-453	105	9	without	without	ADP
bjmsr-453	105	10	agents	agent	NOUN
bjmsr-453	105	11	,	,	PUNCT
bjmsr-453	105	12	the	the	DET
bjmsr-453	105	13	number	number	NOUN
bjmsr-453	105	14	of	of	ADP
bjmsr-453	105	15	deferred	deferred	ADJ
bjmsr-453	105	16	repayments	repayment	NOUN
bjmsr-453	105	17	is	be	AUX
bjmsr-453	105	18	895	895	NUM
bjmsr-453	105	19	,	,	PUNCT
bjmsr-453	105	20	accounting	account	VERB
bjmsr-453	105	21	for	for	ADP
bjmsr-453	105	22	about	about	ADV
bjmsr-453	105	23	4.5	4.5	NUM
bjmsr-453	105	24	%	%	NOUN
bjmsr-453	105	25	;	;	PUNCT
bjmsr-453	105	26	the	the	DET
bjmsr-453	105	27	number	number	NOUN
bjmsr-453	105	28	of	of	ADP
bjmsr-453	105	29	performances	performance	NOUN
bjmsr-453	105	30	is	be	AUX
bjmsr-453	105	31	19,239	19,239	NUM
bjmsr-453	105	32	,	,	PUNCT
bjmsr-453	105	33	accounting	account	VERB
bjmsr-453	105	34	for	for	ADP
bjmsr-453	105	35	about	about	ADV
bjmsr-453	105	36	95.5	95.5	NUM
bjmsr-453	105	37	%	%	NOUN
bjmsr-453	105	38	.	.	PUNCT
bjmsr-453	106	1	as	as	SCONJ
bjmsr-453	106	2	shown	show	VERB
bjmsr-453	106	3	in	in	ADP
bjmsr-453	106	4	the	the	DET
bjmsr-453	106	5	figure	figure	NOUN
bjmsr-453	106	6	below	below	ADV
bjmsr-453	106	7	:	:	PUNCT
bjmsr-453	106	8	figure	figure	NOUN
bjmsr-453	106	9	2	2	NUM
bjmsr-453	106	10	.	.	NOUN
bjmsr-453	106	11	percentage	percentage	NOUN
bjmsr-453	106	12	of	of	ADP
bjmsr-453	106	13	samples	sample	NOUN
bjmsr-453	106	14	not	not	PART
bjmsr-453	106	15	containing	contain	VERB
bjmsr-453	106	16	agent	agent	NOUN
bjmsr-453	106	17	with	with	ADP
bjmsr-453	106	18	or	or	CCONJ
bjmsr-453	106	19	without	without	ADP
bjmsr-453	106	20	deferred	deferred	ADJ
bjmsr-453	106	21	repayment	repayment	NOUN
bjmsr-453	106	22	copyright	copyright	NOUN
bjmsr-453	106	23	©	©	PROPN
bjmsr-453	106	24	cc	cc	PROPN
bjmsr-453	106	25	-	-	PUNCT
bjmsr-453	106	26	by	by	ADP
bjmsr-453	106	27	-	-	PUNCT
bjmsr-453	106	28	nc	nc	PROPN
bjmsr-453	106	29	2020	2020	NUM
bjmsr-453	106	30	,	,	PUNCT
bjmsr-453	106	31	cribfb	cribfb	PROPN
bjmsr-453	106	32	|bjmsr	|bjmsr	PROPN
bjmsr-453	106	33	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	107	1	bangladesh	bangladesh	PROPN
bjmsr-453	107	2	journal	journal	PROPN
bjmsr-453	107	3	of	of	ADP
bjmsr-453	107	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	107	5	scientific	scientific	ADJ
bjmsr-453	107	6	research	research	NOUN
bjmsr-453	107	7	vol	vol	NOUN
bjmsr-453	107	8	.	.	PROPN
bjmsr-453	108	1	2	2	NUM
bjmsr-453	108	2	,	,	PUNCT
bjmsr-453	108	3	no	no	INTJ
bjmsr-453	108	4	.	.	NOUN
bjmsr-453	108	5	1	1	NUM
bjmsr-453	108	6	;	;	PUNCT
bjmsr-453	108	7	2020	2020	NUM
bjmsr-453	108	8	7	7	NUM
bjmsr-453	108	9	4	4	NUM
bjmsr-453	108	10	.	.	PUNCT
bjmsr-453	109	1	screening	screen	VERB
bjmsr-453	109	2	of	of	ADP
bjmsr-453	109	3	explanatory	explanatory	ADJ
bjmsr-453	109	4	variables	variable	NOUN
bjmsr-453	109	5	for	for	ADP
bjmsr-453	109	6	samples	sample	NOUN
bjmsr-453	109	7	with	with	ADP
bjmsr-453	109	8	agents	agent	NOUN
bjmsr-453	109	9	4.1	4.1	NUM
bjmsr-453	109	10	correlation	correlation	NOUN
bjmsr-453	109	11	of	of	ADP
bjmsr-453	109	12	explanatory	explanatory	ADJ
bjmsr-453	109	13	variables	variable	NOUN
bjmsr-453	109	14	with	with	ADP
bjmsr-453	109	15	explanatory	explanatory	ADJ
bjmsr-453	109	16	variables	variable	NOUN
bjmsr-453	109	17	in	in	ADP
bjmsr-453	109	18	this	this	DET
bjmsr-453	109	19	chapter	chapter	NOUN
bjmsr-453	109	20	,	,	PUNCT
bjmsr-453	109	21	14	14	NUM
bjmsr-453	109	22	variables	variable	NOUN
bjmsr-453	109	23	are	be	AUX
bjmsr-453	109	24	selected	select	VERB
bjmsr-453	109	25	to	to	PART
bjmsr-453	109	26	research	research	VERB
bjmsr-453	109	27	the	the	DET
bjmsr-453	109	28	influencing	influence	VERB
bjmsr-453	109	29	factors	factor	NOUN
bjmsr-453	109	30	of	of	ADP
bjmsr-453	109	31	the	the	DET
bjmsr-453	109	32	borrower	borrower	NOUN
bjmsr-453	109	33	's	's	PART
bjmsr-453	109	34	deferred	defer	VERB
bjmsr-453	109	35	repayment	repayment	NOUN
bjmsr-453	109	36	,	,	PUNCT
bjmsr-453	109	37	which	which	PRON
bjmsr-453	109	38	are	be	AUX
bjmsr-453	109	39	loan	loan	NOUN
bjmsr-453	109	40	grade	grade	NOUN
bjmsr-453	109	41	(	(	PUNCT
bjmsr-453	109	42	x1	x1	PROPN
bjmsr-453	109	43	)	)	PUNCT
bjmsr-453	109	44	,	,	PUNCT
bjmsr-453	109	45	agent	agent	NOUN
bjmsr-453	109	46	(	(	PUNCT
bjmsr-453	109	47	x2	x2	PROPN
bjmsr-453	109	48	)	)	PUNCT
bjmsr-453	109	49	,	,	PUNCT
bjmsr-453	109	50	local	local	ADJ
bjmsr-453	109	51	nationality	nationality	NOUN
bjmsr-453	109	52	(	(	PUNCT
bjmsr-453	109	53	x3	x3	ADJ
bjmsr-453	109	54	)	)	PUNCT
bjmsr-453	109	55	,	,	PUNCT
bjmsr-453	109	56	education	education	NOUN
bjmsr-453	109	57	level	level	NOUN
bjmsr-453	109	58	(	(	PUNCT
bjmsr-453	109	59	x5	x5	NOUN
bjmsr-453	109	60	)	)	PUNCT
bjmsr-453	109	61	,	,	PUNCT
bjmsr-453	109	62	marital	marital	ADJ
bjmsr-453	109	63	status	status	NOUN
bjmsr-453	109	64	(	(	PUNCT
bjmsr-453	109	65	x6	x6	PROPN
bjmsr-453	109	66	)	)	PUNCT
bjmsr-453	109	67	,	,	PUNCT
bjmsr-453	109	68	salary	salary	NOUN
bjmsr-453	109	69	(	(	PUNCT
bjmsr-453	109	70	x7	x7	NOUN
bjmsr-453	109	71	)	)	PUNCT
bjmsr-453	109	72	,	,	PUNCT
bjmsr-453	109	73	fund	fund	NOUN
bjmsr-453	109	74	availability	availability	NOUN
bjmsr-453	109	75	(	(	PUNCT
bjmsr-453	109	76	x8	x8	PROPN
bjmsr-453	109	77	)	)	PUNCT
bjmsr-453	109	78	,	,	PUNCT
bjmsr-453	109	79	gender	gender	NOUN
bjmsr-453	109	80	(	(	PUNCT
bjmsr-453	109	81	x9	x9	PROPN
bjmsr-453	109	82	)	)	PUNCT
bjmsr-453	109	83	,	,	PUNCT
bjmsr-453	109	84	provincial	provincial	ADJ
bjmsr-453	109	85	gross	gross	ADJ
bjmsr-453	109	86	product	product	NOUN
bjmsr-453	109	87	(	(	PUNCT
bjmsr-453	109	88	x10	x10	NOUN
bjmsr-453	109	89	)	)	PUNCT
bjmsr-453	109	90	,	,	PUNCT
bjmsr-453	109	91	per	per	ADP
bjmsr-453	109	92	capita	capita	X
bjmsr-453	109	93	disposable	disposable	ADJ
bjmsr-453	109	94	income	income	NOUN
bjmsr-453	109	95	(	(	PUNCT
bjmsr-453	109	96	x11	x11	NOUN
bjmsr-453	109	97	)	)	PUNCT
bjmsr-453	109	98	,	,	PUNCT
bjmsr-453	109	99	per	per	ADP
bjmsr-453	109	100	capita	capita	X
bjmsr-453	109	101	consumption	consumption	NOUN
bjmsr-453	109	102	expenditure	expenditure	NOUN
bjmsr-453	109	103	(	(	PUNCT
bjmsr-453	109	104	x12	x12	NUM
bjmsr-453	109	105	)	)	PUNCT
bjmsr-453	109	106	,	,	PUNCT
bjmsr-453	109	107	regional	regional	ADJ
bjmsr-453	109	108	fixed	fix	VERB
bjmsr-453	109	109	investment	investment	NOUN
bjmsr-453	109	110	(	(	PUNCT
bjmsr-453	109	111	x13	x13	PROPN
bjmsr-453	109	112	)	)	PUNCT
bjmsr-453	109	113	,	,	PUNCT
bjmsr-453	109	114	regional	regional	ADJ
bjmsr-453	109	115	fixed	fix	VERB
bjmsr-453	109	116	investment	investment	NOUN
bjmsr-453	109	117	index	index	NOUN
bjmsr-453	109	118	(	(	PUNCT
bjmsr-453	109	119	x14	x14	PROPN
bjmsr-453	109	120	)	)	PUNCT
bjmsr-453	109	121	,	,	PUNCT
bjmsr-453	109	122	unemployment	unemployment	NOUN
bjmsr-453	109	123	rate	rate	NOUN
bjmsr-453	109	124	(	(	PUNCT
bjmsr-453	109	125	x15	x15	NUM
bjmsr-453	109	126	)	)	PUNCT
bjmsr-453	109	127	.	.	PUNCT
bjmsr-453	110	1	the	the	DET
bjmsr-453	110	2	sample	sample	NOUN
bjmsr-453	110	3	containing	contain	VERB
bjmsr-453	110	4	the	the	DET
bjmsr-453	110	5	agent	agent	NOUN
bjmsr-453	110	6	does	do	AUX
bjmsr-453	110	7	not	not	PART
bjmsr-453	110	8	select	select	VERB
bjmsr-453	110	9	the	the	DET
bjmsr-453	110	10	working	working	NOUN
bjmsr-453	110	11	province	province	NOUN
bjmsr-453	110	12	because	because	SCONJ
bjmsr-453	110	13	the	the	DET
bjmsr-453	110	14	working	working	NOUN
bjmsr-453	110	15	province	province	NOUN
bjmsr-453	110	16	itself	itself	PRON
bjmsr-453	110	17	has	have	VERB
bjmsr-453	110	18	no	no	DET
bjmsr-453	110	19	substantial	substantial	ADJ
bjmsr-453	110	20	meaning	meaning	NOUN
bjmsr-453	110	21	.	.	PUNCT
bjmsr-453	111	1	for	for	ADP
bjmsr-453	111	2	this	this	DET
bjmsr-453	111	3	reason	reason	NOUN
bjmsr-453	111	4	,	,	PUNCT
bjmsr-453	111	5	we	we	PRON
bjmsr-453	111	6	added	add	VERB
bjmsr-453	111	7	six	six	NUM
bjmsr-453	111	8	macro	macro	ADJ
bjmsr-453	111	9	data	datum	NOUN
bjmsr-453	111	10	variables	variable	NOUN
bjmsr-453	111	11	corresponding	correspond	VERB
bjmsr-453	111	12	to	to	ADP
bjmsr-453	111	13	the	the	DET
bjmsr-453	111	14	provinces	province	NOUN
bjmsr-453	111	15	.	.	PUNCT
bjmsr-453	112	1	spss	spss	PROPN
bjmsr-453	112	2	23.0	23.0	NUM
bjmsr-453	112	3	was	be	AUX
bjmsr-453	112	4	first	first	ADV
bjmsr-453	112	5	used	use	VERB
bjmsr-453	112	6	in	in	ADP
bjmsr-453	112	7	this	this	DET
bjmsr-453	112	8	paper	paper	NOUN
bjmsr-453	112	9	,	,	PUNCT
bjmsr-453	112	10	followed	follow	VERB
bjmsr-453	112	11	by	by	ADP
bjmsr-453	112	12	passed	pass	VERB
bjmsr-453	112	13	pearson	pearson	PROPN
bjmsr-453	112	14	correlation	correlation	NOUN
bjmsr-453	112	15	test	test	NOUN
bjmsr-453	112	16	preliminarily	preliminarily	ADV
bjmsr-453	112	17	explored	explore	VERB
bjmsr-453	112	18	the	the	DET
bjmsr-453	112	19	relationship	relationship	NOUN
bjmsr-453	112	20	between	between	ADP
bjmsr-453	112	21	the	the	DET
bjmsr-453	112	22	explanatory	explanatory	ADJ
bjmsr-453	112	23	variables	variable	NOUN
bjmsr-453	112	24	and	and	CCONJ
bjmsr-453	112	25	the	the	DET
bjmsr-453	112	26	explained	explain	VERB
bjmsr-453	112	27	variables	variable	NOUN
bjmsr-453	112	28	.	.	PUNCT
bjmsr-453	113	1	explanatory	explanatory	ADJ
bjmsr-453	113	2	variables	variable	NOUN
bjmsr-453	113	3	were	be	AUX
bjmsr-453	113	4	screened	screen	VERB
bjmsr-453	113	5	by	by	ADP
bjmsr-453	113	6	the	the	DET
bjmsr-453	113	7	size	size	NOUN
bjmsr-453	113	8	and	and	CCONJ
bjmsr-453	113	9	significance	significance	NOUN
bjmsr-453	113	10	requirement	requirement	NOUN
bjmsr-453	113	11	of	of	ADP
bjmsr-453	113	12	the	the	DET
bjmsr-453	113	13	correlation	correlation	NOUN
bjmsr-453	113	14	coefficient	coefficient	NOUN
bjmsr-453	113	15	between	between	ADP
bjmsr-453	113	16	the	the	DET
bjmsr-453	113	17	dependent	dependent	ADJ
bjmsr-453	113	18	and	and	CCONJ
bjmsr-453	113	19	independent	independent	ADJ
bjmsr-453	113	20	variables	variable	NOUN
bjmsr-453	113	21	.	.	PUNCT
bjmsr-453	114	1	table	table	NOUN
bjmsr-453	114	2	6	6	NUM
bjmsr-453	114	3	.	.	PUNCT
bjmsr-453	114	4	person	person	NOUN
bjmsr-453	114	5	correlation	correlation	NOUN
bjmsr-453	114	6	test	test	NOUN
bjmsr-453	114	7	results	result	VERB
bjmsr-453	115	1	y	y	PROPN
bjmsr-453	115	2	y	y	PROPN
bjmsr-453	115	3	x1	x1	PROPN
bjmsr-453	115	4	0.179	0.179	NUM
bjmsr-453	115	5	x9	x9	NOUN
bjmsr-453	115	6	0.001	0.001	NUM
bjmsr-453	115	7	x2	x2	PROPN
bjmsr-453	115	8	0.293	0.293	NUM
bjmsr-453	115	9	x10	x10	ADP
bjmsr-453	115	10	0.142	0.142	NUM
bjmsr-453	115	11	x3	x3	NOUN
bjmsr-453	115	12	0.020	0.020	NUM
bjmsr-453	115	13	x11	x11	NOUN
bjmsr-453	115	14	0.036	0.036	NUM
bjmsr-453	115	15	x5	x5	NOUN
bjmsr-453	115	16	0.015	0.015	NUM
bjmsr-453	115	17	x12	x12	NUM
bjmsr-453	115	18	0.052	0.052	NUM
bjmsr-453	115	19	x6	x6	PROPN
bjmsr-453	115	20	0.031	0.031	NUM
bjmsr-453	115	21	x13	x13	NOUN
bjmsr-453	115	22	0.131	0.131	NUM
bjmsr-453	115	23	x7	x7	NOUN
bjmsr-453	115	24	0.045	0.045	NUM
bjmsr-453	115	25	x14	x14	PROPN
bjmsr-453	115	26	0.150	0.150	NUM
bjmsr-453	115	27	x8	x8	PROPN
bjmsr-453	115	28	0.001	0.001	NUM
bjmsr-453	115	29	x15	x15	NUM
bjmsr-453	115	30	0.067	0.067	NUM
bjmsr-453	115	31	according	accord	VERB
bjmsr-453	115	32	to	to	ADP
bjmsr-453	115	33	the	the	DET
bjmsr-453	115	34	correlation	correlation	NOUN
bjmsr-453	115	35	test	test	NOUN
bjmsr-453	115	36	,	,	PUNCT
bjmsr-453	115	37	except	except	SCONJ
bjmsr-453	115	38	x8	x8	PROPN
bjmsr-453	115	39	and	and	CCONJ
bjmsr-453	115	40	x9	x9	NOUN
bjmsr-453	115	41	failed	fail	VERB
bjmsr-453	115	42	the	the	DET
bjmsr-453	115	43	significance	significance	NOUN
bjmsr-453	115	44	test	test	NOUN
bjmsr-453	115	45	,	,	PUNCT
bjmsr-453	115	46	and	and	CCONJ
bjmsr-453	115	47	all	all	DET
bjmsr-453	115	48	other	other	ADJ
bjmsr-453	115	49	variables	variable	NOUN
bjmsr-453	115	50	passed	pass	VERB
bjmsr-453	115	51	the	the	DET
bjmsr-453	115	52	significance	significance	NOUN
bjmsr-453	115	53	test	test	NOUN
bjmsr-453	115	54	.	.	PUNCT
bjmsr-453	116	1	inquiry	inquiry	NOUN
bjmsr-453	116	2	considering	consider	VERB
bjmsr-453	116	3	the	the	DET
bjmsr-453	116	4	remaining	remain	VERB
bjmsr-453	116	5	variables	variable	NOUN
bjmsr-453	116	6	as	as	ADP
bjmsr-453	116	7	12	12	NUM
bjmsr-453	116	8	there	there	PRON
bjmsr-453	116	9	is	be	VERB
bjmsr-453	116	10	only	only	ADV
bjmsr-453	116	11	one	one	NUM
bjmsr-453	116	12	,	,	PUNCT
bjmsr-453	116	13	so	so	CCONJ
bjmsr-453	116	14	it	it	PRON
bjmsr-453	116	15	is	be	AUX
bjmsr-453	116	16	not	not	PART
bjmsr-453	116	17	screened	screen	VERB
bjmsr-453	116	18	according	accord	VERB
bjmsr-453	116	19	to	to	ADP
bjmsr-453	116	20	the	the	DET
bjmsr-453	116	21	correlation	correlation	NOUN
bjmsr-453	116	22	of	of	ADP
bjmsr-453	116	23	variables	variable	NOUN
bjmsr-453	116	24	,	,	PUNCT
bjmsr-453	116	25	finally	finally	ADV
bjmsr-453	116	26	selected	select	VERB
bjmsr-453	116	27	x1	x1	PROPN
bjmsr-453	116	28	,	,	PUNCT
bjmsr-453	116	29	x2	x2	PROPN
bjmsr-453	116	30	,	,	PUNCT
bjmsr-453	116	31	x3	x3	ADJ
bjmsr-453	116	32	,	,	PUNCT
bjmsr-453	116	33	x5	x5	NOUN
bjmsr-453	116	34	,	,	PUNCT
bjmsr-453	116	35	x6	x6	PROPN
bjmsr-453	116	36	,	,	PUNCT
bjmsr-453	116	37	x7	x7	NOUN
bjmsr-453	116	38	,	,	PUNCT
bjmsr-453	116	39	x10	x10	NOUN
bjmsr-453	116	40	,	,	PUNCT
bjmsr-453	116	41	x11	x11	PROPN
bjmsr-453	116	42	,	,	PUNCT
bjmsr-453	116	43	x12	x12	NUM
bjmsr-453	116	44	,	,	PUNCT
bjmsr-453	116	45	x13	x13	PROPN
bjmsr-453	116	46	,	,	PUNCT
bjmsr-453	116	47	x14	x14	PROPN
bjmsr-453	116	48	,	,	PUNCT
bjmsr-453	116	49	x15	x15	NUM
bjmsr-453	116	50	as	as	ADP
bjmsr-453	116	51	explanatory	explanatory	ADJ
bjmsr-453	116	52	variables	variable	NOUN
bjmsr-453	116	53	.	.	PUNCT
bjmsr-453	117	1	4.2	4.2	NUM
bjmsr-453	117	2	multicollinearity	multicollinearity	NOUN
bjmsr-453	117	3	analysis	analysis	NOUN
bjmsr-453	117	4	in	in	ADP
bjmsr-453	117	5	order	order	NOUN
bjmsr-453	117	6	to	to	PART
bjmsr-453	117	7	ensure	ensure	VERB
bjmsr-453	117	8	the	the	DET
bjmsr-453	117	9	accuracy	accuracy	NOUN
bjmsr-453	117	10	of	of	ADP
bjmsr-453	117	11	the	the	DET
bjmsr-453	117	12	model	model	NOUN
bjmsr-453	117	13	results	result	NOUN
bjmsr-453	117	14	,	,	PUNCT
bjmsr-453	117	15	it	it	PRON
bjmsr-453	117	16	is	be	AUX
bjmsr-453	117	17	necessary	necessary	ADJ
bjmsr-453	117	18	to	to	PART
bjmsr-453	117	19	test	test	VERB
bjmsr-453	117	20	whether	whether	SCONJ
bjmsr-453	117	21	there	there	PRON
bjmsr-453	117	22	is	be	VERB
bjmsr-453	117	23	multicollinearity	multicollinearity	NOUN
bjmsr-453	117	24	between	between	ADP
bjmsr-453	117	25	the	the	DET
bjmsr-453	117	26	variables	variable	NOUN
bjmsr-453	117	27	,	,	PUNCT
bjmsr-453	117	28	and	and	CCONJ
bjmsr-453	117	29	the	the	DET
bjmsr-453	117	30	results	result	NOUN
bjmsr-453	117	31	are	be	AUX
bjmsr-453	117	32	shown	show	VERB
bjmsr-453	117	33	in	in	ADP
bjmsr-453	117	34	the	the	DET
bjmsr-453	117	35	following	follow	VERB
bjmsr-453	117	36	table	table	NOUN
bjmsr-453	117	37	,	,	PUNCT
bjmsr-453	117	38	the	the	DET
bjmsr-453	117	39	inflation	inflation	NOUN
bjmsr-453	117	40	factor	factor	NOUN
bjmsr-453	117	41	of	of	ADP
bjmsr-453	117	42	12	12	NUM
bjmsr-453	117	43	variables	variable	NOUN
bjmsr-453	117	44	can	can	AUX
bjmsr-453	117	45	be	be	AUX
bjmsr-453	117	46	seen	see	VERB
bjmsr-453	117	47	vif	vif	NOUN
bjmsr-453	117	48	between	between	ADP
bjmsr-453	117	49	010	010	NUM
bjmsr-453	117	50	between	between	ADP
bjmsr-453	117	51	,	,	PUNCT
bjmsr-453	117	52	can	can	AUX
bjmsr-453	117	53	judge	judge	VERB
bjmsr-453	117	54	there	there	PRON
bjmsr-453	117	55	was	be	VERB
bjmsr-453	117	56	no	no	DET
bjmsr-453	117	57	severe	severe	ADJ
bjmsr-453	117	58	multicollinearity	multicollinearity	NOUN
bjmsr-453	117	59	among	among	ADP
bjmsr-453	117	60	the	the	DET
bjmsr-453	117	61	12	12	NUM
bjmsr-453	117	62	variables	variable	NOUN
bjmsr-453	117	63	.	.	PUNCT
bjmsr-453	118	1	table	table	NOUN
bjmsr-453	118	2	7	7	NUM
bjmsr-453	118	3	.	.	PUNCT
bjmsr-453	118	4	test	test	NOUN
bjmsr-453	118	5	for	for	ADP
bjmsr-453	118	6	multicollinearity	multicollinearity	NOUN
bjmsr-453	118	7	model	model	NOUN
bjmsr-453	118	8	unnormalized	unnormalize	VERB
bjmsr-453	118	9	coefficient	coefficient	NOUN
bjmsr-453	118	10	normalization	normalization	NOUN
bjmsr-453	118	11	factor	factor	NOUN
bjmsr-453	118	12	t	t	PROPN
bjmsr-453	118	13	significance	significance	NOUN
bjmsr-453	118	14	collinearity	collinearity	NOUN
bjmsr-453	118	15	statistics	statistic	NOUN
bjmsr-453	118	16	b	b	PROPN
bjmsr-453	118	17	standard	standard	ADJ
bjmsr-453	118	18	error	error	NOUN
bjmsr-453	118	19	beta	beta	NOUN
bjmsr-453	118	20	franchise	franchise	NOUN
bjmsr-453	118	21	vif	vif	X
bjmsr-453	118	22	1	1	NUM
bjmsr-453	118	23	(	(	PUNCT
bjmsr-453	118	24	constant	constant	ADJ
bjmsr-453	118	25	)	)	PUNCT
bjmsr-453	118	26	(	(	PUNCT
bjmsr-453	118	27	quantity	quantity	NOUN
bjmsr-453	118	28	)	)	PUNCT
bjmsr-453	118	29	1.524	1.524	NUM
bjmsr-453	118	30	0.051	0.051	NUM
bjmsr-453	118	31	29.927	29.927	NUM
bjmsr-453	118	32	0	0	NUM
bjmsr-453	119	1	x1	x1	DET
bjmsr-453	119	2	0.021	0.021	NUM
bjmsr-453	119	3	0.002	0.002	NUM
bjmsr-453	119	4	0.156	0.156	NUM
bjmsr-453	119	5	12.824	12.824	NUM
bjmsr-453	119	6	0	0	NUM
bjmsr-453	119	7	0.954	0.954	NUM
bjmsr-453	119	8	1.048	1.048	NUM
bjmsr-453	119	9	x2	x2	NOUN
bjmsr-453	119	10	0.092	0.092	NUM
bjmsr-453	119	11	0.004	0.004	NUM
bjmsr-453	119	12	0.288	0.288	NUM
bjmsr-453	119	13	23.993	23.993	NUM
bjmsr-453	119	14	0	0	NUM
bjmsr-453	119	15	0.979	0.979	NUM
bjmsr-453	119	16	1.021	1.021	NUM
bjmsr-453	119	17	x3	x3	NUM
bjmsr-453	119	18	0.007	0.007	NUM
bjmsr-453	119	19	0.009	0.009	NUM
bjmsr-453	119	20	0.01	0.01	NUM
bjmsr-453	119	21	0.83	0.83	NUM
bjmsr-453	119	22	0.407	0.407	NUM
bjmsr-453	119	23	0.924	0.924	NUM
bjmsr-453	119	24	1.082	1.082	NUM
bjmsr-453	119	25	x5	x5	NOUN
bjmsr-453	119	26	0.013	0.013	NUM
bjmsr-453	119	27	0.009	0.009	NUM
bjmsr-453	119	28	0.018	0.018	NUM
bjmsr-453	119	29	1.488	1.488	NUM
bjmsr-453	119	30	0.137	0.137	NUM
bjmsr-453	119	31	0.952	0.952	NUM
bjmsr-453	119	32	1.05	1.05	NUM
bjmsr-453	119	33	x6	x6	PROPN
bjmsr-453	119	34	0.012	0.012	NUM
bjmsr-453	119	35	0.007	0.007	NUM
bjmsr-453	119	36	0.02	0.02	NUM
bjmsr-453	119	37	1.644	1.644	NUM
bjmsr-453	119	38	0.1	0.1	NUM
bjmsr-453	119	39	0.941	0.941	NUM
bjmsr-453	119	40	1.063	1.063	NUM
bjmsr-453	119	41	x7	x7	NOUN
bjmsr-453	119	42	0.008	0.008	NUM
bjmsr-453	119	43	0.003	0.003	NUM
bjmsr-453	119	44	0.034	0.034	NUM
bjmsr-453	119	45	2.755	2.755	NUM
bjmsr-453	119	46	0.006	0.006	NUM
bjmsr-453	119	47	0.93	0.93	NUM
bjmsr-453	119	48	1.075	1.075	NUM
bjmsr-453	119	49	x10	x10	ADP
bjmsr-453	119	50	0.007	0.007	NUM
bjmsr-453	119	51	0.001	0.001	NUM
bjmsr-453	119	52	0.157	0.157	NUM
bjmsr-453	119	53	5.002	5.002	NUM
bjmsr-453	119	54	0	0	NUM
bjmsr-453	119	55	0.143	0.143	NUM
bjmsr-453	119	56	7.004	7.004	NUM
bjmsr-453	119	57	x11	x11	PROPN
bjmsr-453	119	58	0.017	0.017	NUM
bjmsr-453	119	59	0.002	0.002	NUM
bjmsr-453	119	60	0.389	0.389	NUM
bjmsr-453	119	61	7.077	7.077	NUM
bjmsr-453	119	62	0	0	NUM
bjmsr-453	119	63	0.127	0.127	NUM
bjmsr-453	119	64	9.331	9.331	NUM
bjmsr-453	119	65	x12	x12	NUM
bjmsr-453	119	66	0.016	0.016	NUM
bjmsr-453	119	67	0.003	0.003	NUM
bjmsr-453	119	68	0.364	0.364	NUM
bjmsr-453	119	69	6.123	6.123	NUM
bjmsr-453	119	70	0	0	NUM
bjmsr-453	119	71	0.114	0.114	NUM
bjmsr-453	119	72	9.033	9.033	NUM
bjmsr-453	119	73	x13	x13	NOUN
bjmsr-453	119	74	0.002	0.002	NUM
bjmsr-453	119	75	0.001	0.001	NUM
bjmsr-453	119	76	0.046	0.046	NUM
bjmsr-453	119	77	1.66	1.66	NUM
bjmsr-453	119	78	0.097	0.097	NUM
bjmsr-453	119	79	0.187	0.187	NUM
bjmsr-453	119	80	5.341	5.341	NUM
bjmsr-453	119	81	x14	x14	PROPN
bjmsr-453	119	82	0.019	0.019	NUM
bjmsr-453	119	83	0.001	0.001	NUM
bjmsr-453	119	84	0.227	0.227	NUM
bjmsr-453	119	85	17.504	17.504	NUM
bjmsr-453	119	86	0	0	NUM
bjmsr-453	119	87	0.843	0.843	NUM
bjmsr-453	119	88	1.187	1.187	NUM
bjmsr-453	119	89	x15	x15	NUM
bjmsr-453	119	90	0.003	0.003	NUM
bjmsr-453	119	91	0.001	0.001	NUM
bjmsr-453	119	92	0.043	0.043	NUM
bjmsr-453	119	93	3.059	3.059	NUM
bjmsr-453	119	94	0.002	0.002	NUM
bjmsr-453	119	95	0.705	0.705	NUM
bjmsr-453	119	96	1.418	1.418	NUM
bjmsr-453	119	97	copyright	copyright	NOUN
bjmsr-453	119	98	©	©	PROPN
bjmsr-453	119	99	cc	cc	PROPN
bjmsr-453	119	100	-	-	PUNCT
bjmsr-453	119	101	by	by	ADP
bjmsr-453	119	102	-	-	PUNCT
bjmsr-453	119	103	nc	nc	PROPN
bjmsr-453	119	104	2020	2020	NUM
bjmsr-453	119	105	,	,	PUNCT
bjmsr-453	119	106	cribfb	cribfb	PROPN
bjmsr-453	119	107	|bjmsr	|bjmsr	PROPN
bjmsr-453	119	108	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	120	1	bangladesh	bangladesh	PROPN
bjmsr-453	120	2	journal	journal	PROPN
bjmsr-453	120	3	of	of	ADP
bjmsr-453	120	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	120	5	scientific	scientific	ADJ
bjmsr-453	120	6	research	research	NOUN
bjmsr-453	120	7	vol	vol	NOUN
bjmsr-453	120	8	.	.	PROPN
bjmsr-453	121	1	2	2	NUM
bjmsr-453	121	2	,	,	PUNCT
bjmsr-453	121	3	no	no	INTJ
bjmsr-453	121	4	.	.	NOUN
bjmsr-453	121	5	1	1	NUM
bjmsr-453	121	6	;	;	PUNCT
bjmsr-453	121	7	2020	2020	NUM
bjmsr-453	121	8	8	8	NUM
bjmsr-453	121	9	5	5	NUM
bjmsr-453	121	10	.	.	PUNCT
bjmsr-453	122	1	modeling	model	VERB
bjmsr-453	122	2	the	the	DET
bjmsr-453	122	3	credit	credit	NOUN
bjmsr-453	122	4	method	method	NOUN
bjmsr-453	122	5	evaluation	evaluation	NOUN
bjmsr-453	122	6	model	model	NOUN
bjmsr-453	122	7	with	with	ADP
bjmsr-453	122	8	an	an	DET
bjmsr-453	122	9	agent	agent	NOUN
bjmsr-453	122	10	sample	sample	NOUN
bjmsr-453	122	11	5.1	5.1	NUM
bjmsr-453	122	12	modeling	modeling	NOUN
bjmsr-453	122	13	of	of	ADP
bjmsr-453	122	14	various	various	ADJ
bjmsr-453	122	15	types	type	NOUN
bjmsr-453	122	16	of	of	ADP
bjmsr-453	122	17	models	model	NOUN
bjmsr-453	122	18	random	random	ADJ
bjmsr-453	122	19	forest	forest	NOUN
bjmsr-453	122	20	models	model	NOUN
bjmsr-453	122	21	:	:	PUNCT
bjmsr-453	122	22	random	random	ADJ
bjmsr-453	122	23	forest	forest	NOUN
bjmsr-453	122	24	refers	refer	VERB
bjmsr-453	122	25	to	to	ADP
bjmsr-453	122	26	a	a	DET
bjmsr-453	122	27	classifier	classifier	NOUN
bjmsr-453	122	28	that	that	PRON
bjmsr-453	122	29	uses	use	VERB
bjmsr-453	122	30	multiple	multiple	ADJ
bjmsr-453	122	31	trees	tree	NOUN
bjmsr-453	122	32	to	to	PART
bjmsr-453	122	33	train	train	VERB
bjmsr-453	122	34	and	and	CCONJ
bjmsr-453	122	35	predict	predict	VERB
bjmsr-453	122	36	samples	sample	NOUN
bjmsr-453	122	37	,	,	PUNCT
bjmsr-453	122	38	which	which	PRON
bjmsr-453	122	39	overcomes	overcome	VERB
bjmsr-453	122	40	overfitting	overfitting	NOUN
bjmsr-453	122	41	produces	produce	NOUN
bjmsr-453	122	42	,	,	PUNCT
bjmsr-453	122	43	has	have	VERB
bjmsr-453	122	44	the	the	DET
bjmsr-453	122	45	excellent	excellent	ADJ
bjmsr-453	122	46	anti	anti	ADJ
bjmsr-453	122	47	-	-	ADJ
bjmsr-453	122	48	jamming	jamming	ADJ
bjmsr-453	122	49	ability	ability	NOUN
bjmsr-453	122	50	,	,	PUNCT
bjmsr-453	122	51	can	can	AUX
bjmsr-453	122	52	estimate	estimate	VERB
bjmsr-453	122	53	the	the	DET
bjmsr-453	122	54	sample	sample	NOUN
bjmsr-453	122	55	characteristic	characteristic	ADJ
bjmsr-453	122	56	in	in	ADP
bjmsr-453	122	57	the	the	DET
bjmsr-453	122	58	classification	classification	NOUN
bjmsr-453	122	59	importance	importance	NOUN
bjmsr-453	122	60	degree	degree	NOUN
bjmsr-453	122	61	accurately	accurately	ADV
bjmsr-453	122	62	and	and	CCONJ
bjmsr-453	122	63	the	the	DET
bjmsr-453	122	64	algorithm	algorithm	NOUN
bjmsr-453	122	65	is	be	AUX
bjmsr-453	122	66	easy	easy	ADJ
bjmsr-453	122	67	to	to	PART
bjmsr-453	122	68	understand	understand	VERB
bjmsr-453	122	69	(	(	PUNCT
bjmsr-453	122	70	mao	mao	X
bjmsr-453	122	71	et	et	PROPN
bjmsr-453	122	72	al	al	PROPN
bjmsr-453	122	73	.	.	PROPN
bjmsr-453	122	74	,	,	PUNCT
bjmsr-453	122	75	2018	2018	NUM
bjmsr-453	122	76	)	)	PUNCT
bjmsr-453	122	77	.	.	PUNCT
bjmsr-453	123	1	randomly	randomly	ADV
bjmsr-453	123	2	selected	select	VERB
bjmsr-453	123	3	in	in	ADP
bjmsr-453	123	4	all	all	DET
bjmsr-453	123	5	samples	sample	NOUN
bjmsr-453	123	6	80	80	NUM
bjmsr-453	123	7	%	%	NOUN
bjmsr-453	123	8	of	of	ADP
bjmsr-453	123	9	data	datum	NOUN
bjmsr-453	123	10	as	as	ADP
bjmsr-453	123	11	training	training	NOUN
bjmsr-453	123	12	data	datum	NOUN
bjmsr-453	123	13	,	,	PUNCT
bjmsr-453	123	14	where	where	SCONJ
bjmsr-453	123	15	564	564	NUM
bjmsr-453	123	16	records	record	NOUN
bjmsr-453	123	17	for	for	ADP
bjmsr-453	123	18	deferred	deferred	ADJ
bjmsr-453	123	19	repayment	repayment	NOUN
bjmsr-453	123	20	,	,	PUNCT
bjmsr-453	123	21	4059	4059	NUM
bjmsr-453	123	22	records	record	NOUN
bjmsr-453	123	23	for	for	ADP
bjmsr-453	123	24	on	on	ADP
bjmsr-453	123	25	-	-	PUNCT
bjmsr-453	123	26	time	time	NOUN
bjmsr-453	123	27	repayment	repayment	NOUN
bjmsr-453	123	28	,	,	PUNCT
bjmsr-453	123	29	with	with	ADP
bjmsr-453	123	30	each	each	DET
bjmsr-453	123	31	variable	variable	NOUN
bjmsr-453	123	32	as	as	ADP
bjmsr-453	123	33	the	the	DET
bjmsr-453	123	34	characteristics	characteristic	NOUN
bjmsr-453	123	35	of	of	ADP
bjmsr-453	123	36	training	training	NOUN
bjmsr-453	123	37	,	,	PUNCT
bjmsr-453	123	38	by	by	ADP
bjmsr-453	123	39	making	make	VERB
bjmsr-453	123	40	with	with	ADP
bjmsr-453	123	41	r	r	NOUN
bjmsr-453	123	42	3.4.3	3.4.3	NUM
bjmsr-453	123	43	randomize	randomize	VERB
bjmsr-453	123	44	the	the	DET
bjmsr-453	123	45	original	original	ADJ
bjmsr-453	123	46	software	software	NOUN
bjmsr-453	123	47	package	package	NOUN
bjmsr-453	123	48	to	to	PART
bjmsr-453	123	49	implement	implement	VERB
bjmsr-453	123	50	the	the	DET
bjmsr-453	123	51	modeling	modeling	NOUN
bjmsr-453	123	52	process	process	NOUN
bjmsr-453	123	53	.	.	PUNCT
bjmsr-453	124	1	selection	selection	NOUN
bjmsr-453	124	2	of	of	ADP
bjmsr-453	124	3	variables	variable	NOUN
bjmsr-453	124	4	:	:	PUNCT
bjmsr-453	124	5	selecting	select	VERB
bjmsr-453	124	6	appropriate	appropriate	ADJ
bjmsr-453	124	7	variables	variable	NOUN
bjmsr-453	124	8	not	not	PART
bjmsr-453	124	9	only	only	ADV
bjmsr-453	124	10	improves	improve	VERB
bjmsr-453	124	11	accuracy	accuracy	NOUN
bjmsr-453	124	12	but	but	CCONJ
bjmsr-453	124	13	also	also	ADV
bjmsr-453	124	14	reduces	reduce	VERB
bjmsr-453	124	15	the	the	DET
bjmsr-453	124	16	complexity	complexity	NOUN
bjmsr-453	124	17	of	of	ADP
bjmsr-453	124	18	the	the	DET
bjmsr-453	124	19	model	model	NOUN
bjmsr-453	124	20	calculation	calculation	NOUN
bjmsr-453	124	21	process	process	NOUN
bjmsr-453	124	22	,	,	PUNCT
bjmsr-453	124	23	thereby	thereby	ADV
bjmsr-453	124	24	improving	improve	VERB
bjmsr-453	124	25	the	the	DET
bjmsr-453	124	26	model	model	NOUN
bjmsr-453	124	27	run	run	NOUN
bjmsr-453	124	28	efficiency	efficiency	NOUN
bjmsr-453	124	29	.	.	PUNCT
bjmsr-453	125	1	first	first	ADV
bjmsr-453	125	2	,	,	PUNCT
bjmsr-453	125	3	the	the	DET
bjmsr-453	125	4	variables	variable	NOUN
bjmsr-453	125	5	are	be	AUX
bjmsr-453	125	6	initially	initially	ADV
bjmsr-453	125	7	selected	select	VERB
bjmsr-453	125	8	based	base	VERB
bjmsr-453	125	9	on	on	ADP
bjmsr-453	125	10	their	their	PRON
bjmsr-453	125	11	correlation	correlation	NOUN
bjmsr-453	125	12	,	,	PUNCT
bjmsr-453	125	13	from	from	ADP
bjmsr-453	125	14	the	the	DET
bjmsr-453	125	15	perspective	perspective	NOUN
bjmsr-453	125	16	of	of	ADP
bjmsr-453	125	17	significance	significance	NOUN
bjmsr-453	125	18	,	,	PUNCT
bjmsr-453	125	19	excluding	exclude	VERB
bjmsr-453	125	20	x8	x8	PROPN
bjmsr-453	125	21	(	(	PUNCT
bjmsr-453	125	22	with	with	ADP
bjmsr-453	125	23	or	or	CCONJ
bjmsr-453	125	24	without	without	ADP
bjmsr-453	125	25	funds	fund	NOUN
bjmsr-453	125	26	)	)	PUNCT
bjmsr-453	125	27	and	and	CCONJ
bjmsr-453	125	28	x9	x9	NOUN
bjmsr-453	125	29	(	(	PUNCT
bjmsr-453	125	30	sex	sex	NOUN
bjmsr-453	125	31	)	)	PUNCT
bjmsr-453	125	32	,	,	PUNCT
bjmsr-453	125	33	and	and	CCONJ
bjmsr-453	125	34	then	then	ADV
bjmsr-453	125	35	introduce	introduce	VERB
bjmsr-453	125	36	x10	x10	NOUN
bjmsr-453	125	37	(	(	PUNCT
bjmsr-453	125	38	intra	intra	ADJ
bjmsr-453	125	39	-	-	ADJ
bjmsr-453	125	40	provincial	provincial	ADJ
bjmsr-453	125	41	gdp	gdp	NOUN
bjmsr-453	125	42	)	)	PUNCT
bjmsr-453	125	43	,	,	PUNCT
bjmsr-453	125	44	x11	x11	PROPN
bjmsr-453	125	45	(	(	PUNCT
bjmsr-453	125	46	per	per	ADP
bjmsr-453	125	47	capita	capita	X
bjmsr-453	125	48	disposable	disposable	ADJ
bjmsr-453	125	49	income	income	NOUN
bjmsr-453	125	50	)	)	PUNCT
bjmsr-453	125	51	,	,	PUNCT
bjmsr-453	125	52	x12	x12	NUM
bjmsr-453	125	53	(	(	PUNCT
bjmsr-453	125	54	per	per	ADP
bjmsr-453	125	55	capita	capita	X
bjmsr-453	125	56	consumption	consumption	NOUN
bjmsr-453	125	57	expenditure	expenditure	NOUN
bjmsr-453	125	58	)	)	PUNCT
bjmsr-453	125	59	,	,	PUNCT
bjmsr-453	125	60	x13	x13	PROPN
bjmsr-453	125	61	(	(	PUNCT
bjmsr-453	125	62	regional	regional	ADJ
bjmsr-453	125	63	fixedasset	fixedasset	ADJ
bjmsr-453	125	64	investment	investment	NOUN
bjmsr-453	125	65	)	)	PUNCT
bjmsr-453	125	66	,	,	PUNCT
bjmsr-453	125	67	x14	x14	PROPN
bjmsr-453	125	68	(	(	PUNCT
bjmsr-453	125	69	regional	regional	ADJ
bjmsr-453	125	70	fixed	fix	VERB
bjmsr-453	125	71	-	-	PUNCT
bjmsr-453	125	72	asset	asset	NOUN
bjmsr-453	125	73	investment	investment	NOUN
bjmsr-453	125	74	index	index	NOUN
bjmsr-453	125	75	)	)	PUNCT
bjmsr-453	125	76	,	,	PUNCT
bjmsr-453	125	77	x15	x15	NUM
bjmsr-453	125	78	(	(	PUNCT
bjmsr-453	125	79	provincial	provincial	ADJ
bjmsr-453	125	80	unemployment	unemployment	NOUN
bjmsr-453	125	81	rate	rate	NOUN
bjmsr-453	125	82	)	)	PUNCT
bjmsr-453	125	83	to	to	PART
bjmsr-453	125	84	replace	replace	VERB
bjmsr-453	125	85	x4	x4	PROPN
bjmsr-453	125	86	(	(	PUNCT
bjmsr-453	125	87	working	working	NOUN
bjmsr-453	125	88	province	province	NOUN
bjmsr-453	125	89	)	)	PUNCT
bjmsr-453	125	90	.	.	PUNCT
bjmsr-453	126	1	when	when	SCONJ
bjmsr-453	126	2	there	there	PRON
bjmsr-453	126	3	are	be	VERB
bjmsr-453	126	4	12	12	NUM
bjmsr-453	126	5	screening	screening	NOUN
bjmsr-453	126	6	variables	variable	NOUN
bjmsr-453	126	7	,	,	PUNCT
bjmsr-453	126	8	the	the	DET
bjmsr-453	126	9	on	on	ADP
bjmsr-453	126	10	-	-	PUNCT
bjmsr-453	126	11	time	time	NOUN
bjmsr-453	126	12	repayment	repayment	NOUN
bjmsr-453	126	13	(	(	PUNCT
bjmsr-453	126	14	0	0	NUM
bjmsr-453	126	15	)	)	PUNCT
bjmsr-453	126	16	is	be	AUX
bjmsr-453	126	17	wrongly	wrongly	ADV
bjmsr-453	126	18	judged	judge	VERB
bjmsr-453	126	19	as	as	ADP
bjmsr-453	126	20	delayed	delay	VERB
bjmsr-453	126	21	repayment	repayment	NOUN
bjmsr-453	126	22	(	(	PUNCT
bjmsr-453	126	23	1	1	NUM
bjmsr-453	126	24	)	)	PUNCT
bjmsr-453	126	25	,	,	PUNCT
bjmsr-453	126	26	and	and	CCONJ
bjmsr-453	126	27	the	the	DET
bjmsr-453	126	28	error	error	NOUN
bjmsr-453	126	29	rate	rate	NOUN
bjmsr-453	126	30	is	be	AUX
bjmsr-453	126	31	2.7	2.7	NUM
bjmsr-453	126	32	%	%	NOUN
bjmsr-453	126	33	.	.	PUNCT
bjmsr-453	127	1	in	in	ADP
bjmsr-453	127	2	contrast	contrast	NOUN
bjmsr-453	127	3	,	,	PUNCT
bjmsr-453	127	4	the	the	DET
bjmsr-453	127	5	delayed	delay	VERB
bjmsr-453	127	6	repayment	repayment	NOUN
bjmsr-453	127	7	(	(	PUNCT
bjmsr-453	127	8	1	1	X
bjmsr-453	127	9	)	)	PUNCT
bjmsr-453	127	10	is	be	AUX
bjmsr-453	127	11	wrongly	wrongly	ADV
bjmsr-453	127	12	judged	judge	VERB
bjmsr-453	127	13	as	as	ADP
bjmsr-453	127	14	on	on	ADP
bjmsr-453	127	15	-	-	PUNCT
bjmsr-453	127	16	time	time	NOUN
bjmsr-453	127	17	repayment	repayment	NOUN
bjmsr-453	127	18	(	(	PUNCT
bjmsr-453	127	19	0).the	0).the	DET
bjmsr-453	127	20	error	error	NOUN
bjmsr-453	127	21	rate	rate	NOUN
bjmsr-453	127	22	is	be	AUX
bjmsr-453	127	23	40.6	40.6	NUM
bjmsr-453	127	24	%	%	NOUN
bjmsr-453	127	25	,	,	PUNCT
bjmsr-453	127	26	and	and	CCONJ
bjmsr-453	127	27	the	the	DET
bjmsr-453	127	28	overall	overall	ADJ
bjmsr-453	127	29	error	error	NOUN
bjmsr-453	127	30	rate	rate	NOUN
bjmsr-453	127	31	is	be	AUX
bjmsr-453	127	32	7.3	7.3	NUM
bjmsr-453	127	33	%	%	NOUN
bjmsr-453	127	34	.	.	PUNCT
bjmsr-453	128	1	table	table	NOUN
bjmsr-453	128	2	8	8	NUM
bjmsr-453	128	3	.	.	PUNCT
bjmsr-453	129	1	preliminary	preliminary	ADJ
bjmsr-453	129	2	training	training	NOUN
bjmsr-453	129	3	results	result	NOUN
bjmsr-453	129	4	of	of	ADP
bjmsr-453	129	5	random	random	ADJ
bjmsr-453	129	6	forest	forest	NOUN
bjmsr-453	129	7	model	model	NOUN
bjmsr-453	129	8	overall	overall	ADJ
bjmsr-453	129	9	accuracy	accuracy	NOUN
bjmsr-453	129	10	:	:	PUNCT
bjmsr-453	129	11	92.7	92.7	NUM
bjmsr-453	129	12	%	%	NOUN
bjmsr-453	129	13	considering	consider	VERB
bjmsr-453	129	14	that	that	SCONJ
bjmsr-453	129	15	there	there	PRON
bjmsr-453	129	16	are	be	VERB
bjmsr-453	129	17	too	too	ADV
bjmsr-453	129	18	many	many	ADJ
bjmsr-453	129	19	variables	variable	NOUN
bjmsr-453	129	20	,	,	PUNCT
bjmsr-453	129	21	and	and	CCONJ
bjmsr-453	129	22	the	the	DET
bjmsr-453	129	23	variables	variable	NOUN
bjmsr-453	129	24	with	with	ADP
bjmsr-453	129	25	less	less	ADJ
bjmsr-453	129	26	correlation	correlation	NOUN
bjmsr-453	129	27	may	may	AUX
bjmsr-453	129	28	affect	affect	VERB
bjmsr-453	129	29	the	the	DET
bjmsr-453	129	30	training	training	NOUN
bjmsr-453	129	31	effect	effect	NOUN
bjmsr-453	129	32	of	of	ADP
bjmsr-453	129	33	the	the	DET
bjmsr-453	129	34	model	model	NOUN
bjmsr-453	129	35	,	,	PUNCT
bjmsr-453	129	36	resulting	result	VERB
bjmsr-453	129	37	in	in	ADP
bjmsr-453	129	38	a	a	DET
bjmsr-453	129	39	decrease	decrease	NOUN
bjmsr-453	129	40	in	in	ADP
bjmsr-453	129	41	the	the	DET
bjmsr-453	129	42	accuracy	accuracy	NOUN
bjmsr-453	129	43	of	of	ADP
bjmsr-453	129	44	prediction	prediction	NOUN
bjmsr-453	129	45	.	.	PUNCT
bjmsr-453	130	1	so	so	ADV
bjmsr-453	130	2	,	,	PUNCT
bjmsr-453	130	3	we	we	PRON
bjmsr-453	130	4	should	should	AUX
bjmsr-453	130	5	eliminate	eliminate	VERB
bjmsr-453	130	6	some	some	DET
bjmsr-453	130	7	irrelevant	irrelevant	ADJ
bjmsr-453	130	8	variables	variable	NOUN
bjmsr-453	130	9	step	step	VERB
bjmsr-453	130	10	by	by	ADP
bjmsr-453	130	11	step	step	NOUN
bjmsr-453	130	12	to	to	PART
bjmsr-453	130	13	make	make	VERB
bjmsr-453	130	14	the	the	DET
bjmsr-453	130	15	model	model	NOUN
bjmsr-453	130	16	achieve	achieve	VERB
bjmsr-453	130	17	the	the	DET
bjmsr-453	130	18	best	good	ADJ
bjmsr-453	130	19	prediction	prediction	NOUN
bjmsr-453	130	20	effect	effect	NOUN
bjmsr-453	130	21	.	.	PUNCT
bjmsr-453	131	1	according	accord	VERB
bjmsr-453	131	2	to	to	ADP
bjmsr-453	131	3	the	the	DET
bjmsr-453	131	4	importance	importance	NOUN
bjmsr-453	131	5	of	of	ADP
bjmsr-453	131	6	variable	variable	ADJ
bjmsr-453	131	7	features	feature	NOUN
bjmsr-453	131	8	in	in	ADP
bjmsr-453	131	9	the	the	DET
bjmsr-453	131	10	random	random	ADJ
bjmsr-453	131	11	forest	forest	NOUN
bjmsr-453	131	12	model	model	NOUN
bjmsr-453	131	13	from	from	ADP
bjmsr-453	131	14	small	small	ADJ
bjmsr-453	131	15	to	to	PART
bjmsr-453	131	16	large	large	VERB
bjmsr-453	131	17	in	in	ADP
bjmsr-453	131	18	order	order	NOUN
bjmsr-453	131	19	of	of	ADP
bjmsr-453	131	20	deletion	deletion	NOUN
bjmsr-453	131	21	.	.	PUNCT
bjmsr-453	132	1	for	for	ADP
bjmsr-453	132	2	example	example	NOUN
bjmsr-453	132	3	,	,	PUNCT
bjmsr-453	132	4	the	the	DET
bjmsr-453	132	5	figure	figure	NOUN
bjmsr-453	132	6	below	below	ADV
bjmsr-453	132	7	shows	show	VERB
bjmsr-453	132	8	the	the	DET
bjmsr-453	132	9	importance	importance	NOUN
bjmsr-453	132	10	degree	degree	NOUN
bjmsr-453	132	11	of	of	ADP
bjmsr-453	132	12	each	each	DET
bjmsr-453	132	13	variable	variable	NOUN
bjmsr-453	132	14	at	at	ADP
bjmsr-453	132	15	the	the	DET
bjmsr-453	132	16	first	first	ADJ
bjmsr-453	132	17	elimination	elimination	NOUN
bjmsr-453	132	18	,	,	PUNCT
bjmsr-453	132	19	as	as	SCONJ
bjmsr-453	132	20	shown	show	VERB
bjmsr-453	132	21	in	in	ADP
bjmsr-453	132	22	figure	figure	NOUN
bjmsr-453	132	23	3	3	NUM
bjmsr-453	132	24	,	,	PUNCT
bjmsr-453	132	25	the	the	DET
bjmsr-453	132	26	one	one	NOUN
bjmsr-453	132	27	with	with	ADP
bjmsr-453	132	28	the	the	DET
bjmsr-453	132	29	lowest	low	ADJ
bjmsr-453	132	30	elimination	elimination	NOUN
bjmsr-453	132	31	importance	importance	NOUN
bjmsr-453	132	32	(	(	PUNCT
bjmsr-453	132	33	level	level	NOUN
bjmsr-453	132	34	of	of	ADP
bjmsr-453	132	35	education	education	NOUN
bjmsr-453	132	36	)	)	PUNCT
bjmsr-453	132	37	.	.	PUNCT
bjmsr-453	133	1	figure	figure	VERB
bjmsr-453	133	2	3	3	NUM
bjmsr-453	133	3	.	.	PUNCT
bjmsr-453	133	4	importance	importance	NOUN
bjmsr-453	133	5	of	of	ADP
bjmsr-453	133	6	each	each	DET
bjmsr-453	133	7	variable	variable	NOUN
bjmsr-453	133	8	repeat	repeat	VERB
bjmsr-453	133	9	the	the	DET
bjmsr-453	133	10	above	above	ADJ
bjmsr-453	133	11	steps	step	NOUN
bjmsr-453	133	12	according	accord	VERB
bjmsr-453	133	13	to	to	ADP
bjmsr-453	133	14	the	the	DET
bjmsr-453	133	15	change	change	NOUN
bjmsr-453	133	16	of	of	ADP
bjmsr-453	133	17	status	status	NOUN
bjmsr-453	133	18	of	of	ADP
bjmsr-453	133	19	each	each	DET
bjmsr-453	133	20	variable	variable	NOUN
bjmsr-453	133	21	during	during	ADP
bjmsr-453	133	22	each	each	DET
bjmsr-453	133	23	elimination	elimination	NOUN
bjmsr-453	133	24	.	.	PUNCT
bjmsr-453	134	1	the	the	DET
bjmsr-453	134	2	variables	variable	NOUN
bjmsr-453	134	3	removed	remove	VERB
bjmsr-453	134	4	in	in	ADP
bjmsr-453	134	5	turn	turn	NOUN
bjmsr-453	134	6	are	be	AUX
bjmsr-453	134	7	x6	x6	PROPN
bjmsr-453	134	8	(	(	PUNCT
bjmsr-453	134	9	marital	marital	ADJ
bjmsr-453	134	10	status	status	NOUN
bjmsr-453	134	11	)	)	PUNCT
bjmsr-453	134	12	,	,	PUNCT
bjmsr-453	135	1	x7	x7	NOUN
bjmsr-453	135	2	(	(	PUNCT
bjmsr-453	135	3	salary	salary	NOUN
bjmsr-453	135	4	)	)	PUNCT
bjmsr-453	135	5	,	,	PUNCT
bjmsr-453	135	6	x15	x15	NUM
bjmsr-453	135	7	(	(	PUNCT
bjmsr-453	135	8	unemployment	unemployment	NOUN
bjmsr-453	135	9	rate	rate	NOUN
bjmsr-453	135	10	)	)	PUNCT
bjmsr-453	135	11	,	,	PUNCT
bjmsr-453	135	12	x3	x3	INTJ
bjmsr-453	135	13	(	(	PUNCT
bjmsr-453	136	1	whether	whether	SCONJ
bjmsr-453	136	2	local	local	ADJ
bjmsr-453	136	3	)	)	PUNCT
bjmsr-453	136	4	,	,	PUNCT
bjmsr-453	136	5	x13	x13	PROPN
bjmsr-453	136	6	(	(	PUNCT
bjmsr-453	136	7	regional	regional	ADJ
bjmsr-453	136	8	fixed	fix	VERB
bjmsr-453	136	9	asset	asset	NOUN
bjmsr-453	136	10	investment	investment	NOUN
bjmsr-453	136	11	)	)	PUNCT
bjmsr-453	136	12	,	,	PUNCT
bjmsr-453	136	13	x11	x11	PROPN
bjmsr-453	136	14	(	(	PUNCT
bjmsr-453	136	15	per	per	ADP
bjmsr-453	136	16	capita	capita	X
bjmsr-453	136	17	disposable	disposable	ADJ
bjmsr-453	136	18	income	income	NOUN
bjmsr-453	136	19	)	)	PUNCT
bjmsr-453	136	20	,	,	PUNCT
bjmsr-453	136	21	x12	x12	NUM
bjmsr-453	136	22	(	(	PUNCT
bjmsr-453	136	23	per	per	ADP
bjmsr-453	136	24	capita	capita	X
bjmsr-453	136	25	consumption	consumption	NOUN
bjmsr-453	136	26	expenditure	expenditure	NOUN
bjmsr-453	136	27	)	)	PUNCT
bjmsr-453	136	28	,	,	PUNCT
bjmsr-453	136	29	x14	x14	PROPN
bjmsr-453	136	30	(	(	PUNCT
bjmsr-453	136	31	regional	regional	ADJ
bjmsr-453	136	32	fixed	fix	VERB
bjmsr-453	136	33	-	-	PUNCT
bjmsr-453	136	34	asset	asset	NOUN
bjmsr-453	136	35	investment	investment	NOUN
bjmsr-453	136	36	index	index	NOUN
bjmsr-453	136	37	)	)	PUNCT
bjmsr-453	136	38	,	,	PUNCT
bjmsr-453	137	1	x2	x2	PROPN
bjmsr-453	137	2	(	(	PUNCT
bjmsr-453	137	3	agent	agent	NOUN
bjmsr-453	137	4	)	)	PUNCT
bjmsr-453	137	5	,	,	PUNCT
bjmsr-453	137	6	x1	x1	PROPN
bjmsr-453	137	7	(	(	PUNCT
bjmsr-453	137	8	loan	loan	NOUN
bjmsr-453	137	9	grade	grade	NOUN
bjmsr-453	137	10	)	)	PUNCT
bjmsr-453	137	11	,	,	PUNCT
bjmsr-453	137	12	the	the	DET
bjmsr-453	137	13	corresponding	correspond	VERB
bjmsr-453	137	14	accuracy	accuracy	NOUN
bjmsr-453	137	15	rate	rate	NOUN
bjmsr-453	137	16	is	be	AUX
bjmsr-453	137	17	shown	show	VERB
bjmsr-453	137	18	in	in	ADP
bjmsr-453	137	19	the	the	DET
bjmsr-453	137	20	table	table	NOUN
bjmsr-453	137	21	10	10	NUM
bjmsr-453	137	22	below	below	ADV
bjmsr-453	137	23	:	:	PUNCT
bjmsr-453	137	24	original	original	ADJ
bjmsr-453	137	25	result	result	NOUN
bjmsr-453	137	26	training	training	NOUN
bjmsr-453	137	27	results	result	NOUN
bjmsr-453	137	28	prediction	prediction	NOUN
bjmsr-453	137	29	accuracy	accuracy	NOUN
bjmsr-453	137	30	0	0	NUM
bjmsr-453	138	1	1	1	NUM
bjmsr-453	138	2	0	0	NUM
bjmsr-453	138	3	4059	4059	NUM
bjmsr-453	138	4	3448	3448	NUM
bjmsr-453	138	5	11	11	NUM
bjmsr-453	138	6	97.3	97.3	NUM
bjmsr-453	138	7	%	%	NOUN
bjmsr-453	138	8	1	1	NUM
bjmsr-453	138	9	564	564	NUM
bjmsr-453	138	10	229	229	NUM
bjmsr-453	138	11	335	335	NUM
bjmsr-453	138	12	59.4	59.4	NUM
bjmsr-453	138	13	%	%	NOUN
bjmsr-453	138	14	copyright	copyright	NOUN
bjmsr-453	138	15	©	©	PROPN
bjmsr-453	138	16	cc	cc	NOUN
bjmsr-453	138	17	-	-	PUNCT
bjmsr-453	138	18	by	by	ADP
bjmsr-453	138	19	-	-	PUNCT
bjmsr-453	138	20	nc	nc	PROPN
bjmsr-453	138	21	2020	2020	NUM
bjmsr-453	138	22	,	,	PUNCT
bjmsr-453	138	23	cribfb	cribfb	PROPN
bjmsr-453	138	24	|bjmsr	|bjmsr	PROPN
bjmsr-453	138	25	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	138	26	bangladesh	bangladesh	PROPN
bjmsr-453	138	27	journal	journal	PROPN
bjmsr-453	138	28	of	of	ADP
bjmsr-453	138	29	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	138	30	scientific	scientific	ADJ
bjmsr-453	138	31	research	research	NOUN
bjmsr-453	138	32	vol	vol	NOUN
bjmsr-453	138	33	.	.	PROPN
bjmsr-453	139	1	2	2	NUM
bjmsr-453	139	2	,	,	PUNCT
bjmsr-453	139	3	no	no	INTJ
bjmsr-453	139	4	.	.	NOUN
bjmsr-453	139	5	1	1	NUM
bjmsr-453	139	6	;	;	PUNCT
bjmsr-453	139	7	2020	2020	NUM
bjmsr-453	139	8	9	9	NUM
bjmsr-453	139	9	table	table	NOUN
bjmsr-453	139	10	9	9	NUM
bjmsr-453	139	11	.	.	PUNCT
bjmsr-453	139	12	distribution	distribution	NOUN
bjmsr-453	139	13	of	of	ADP
bjmsr-453	139	14	each	each	DET
bjmsr-453	139	15	variable	variable	ADJ
bjmsr-453	139	16	number	number	NOUN
bjmsr-453	139	17	of	of	ADP
bjmsr-453	139	18	variables	variable	NOUN
bjmsr-453	139	19	12	12	NUM
bjmsr-453	139	20	11	11	NUM
bjmsr-453	139	21	10	10	NUM
bjmsr-453	139	22	9	9	NUM
bjmsr-453	139	23	8	8	NUM
bjmsr-453	139	24	7	7	NUM
bjmsr-453	139	25	6	6	NUM
bjmsr-453	139	26	5	5	NUM
bjmsr-453	139	27	4	4	NUM
bjmsr-453	139	28	3	3	NUM
bjmsr-453	139	29	2	2	NUM
bjmsr-453	139	30	1	1	NUM
bjmsr-453	139	31	wrong	wrong	ADJ
bjmsr-453	139	32	repayment	repayment	NOUN
bjmsr-453	139	33	on	on	ADP
bjmsr-453	139	34	time	time	NOUN
bjmsr-453	139	35	error	error	NOUN
bjmsr-453	139	36	rate	rate	NOUN
bjmsr-453	139	37	2.73	2.73	NUM
bjmsr-453	139	38	%	%	NOUN
bjmsr-453	139	39	1.87	1.87	NUM
bjmsr-453	139	40	%	%	NOUN
bjmsr-453	139	41	2.59	2.59	NUM
bjmsr-453	139	42	%	%	NOUN
bjmsr-453	139	43	1.36	1.36	NUM
bjmsr-453	139	44	%	%	NOUN
bjmsr-453	139	45	1.92	1.92	NUM
bjmsr-453	139	46	%	%	NOUN
bjmsr-453	139	47	2.14	2.14	NUM
bjmsr-453	139	48	%	%	NOUN
bjmsr-453	139	49	2.19	2.19	NUM
bjmsr-453	139	50	%	%	NOUN
bjmsr-453	139	51	2.32	2.32	NUM
bjmsr-453	139	52	%	%	NOUN
bjmsr-453	139	53	2.39	2.39	NUM
bjmsr-453	139	54	%	%	NOUN
bjmsr-453	139	55	2.59	2.59	NUM
bjmsr-453	139	56	%	%	NOUN
bjmsr-453	139	57	3.10	3.10	NUM
bjmsr-453	139	58	%	%	NOUN
bjmsr-453	139	59	0.00	0.00	NUM
bjmsr-453	139	60	%	%	NOUN
bjmsr-453	139	61	delay	delay	NOUN
bjmsr-453	139	62	repayment	repayment	NOUN
bjmsr-453	139	63	error	error	NOUN
bjmsr-453	139	64	error	error	NOUN
bjmsr-453	139	65	rate	rate	NOUN
bjmsr-453	139	66	40.6	40.6	NUM
bjmsr-453	139	67	0	0	NUM
bjmsr-453	139	68	%	%	NOUN
bjmsr-453	139	69	45.9	45.9	NUM
bjmsr-453	139	70	2	2	NUM
bjmsr-453	139	71	%	%	NOUN
bjmsr-453	139	72	38.1	38.1	NUM
bjmsr-453	139	73	2	2	NUM
bjmsr-453	139	74	%	%	NOUN
bjmsr-453	139	75	44.8	44.8	NUM
bjmsr-453	139	76	6	6	NUM
bjmsr-453	139	77	%	%	NOUN
bjmsr-453	139	78	40.0	40.0	NUM
bjmsr-453	139	79	7	7	NUM
bjmsr-453	139	80	%	%	NOUN
bjmsr-453	139	81	34.7	34.7	NUM
bjmsr-453	139	82	5	5	NUM
bjmsr-453	139	83	%	%	NOUN
bjmsr-453	139	84	33.6	33.6	NUM
bjmsr-453	139	85	9	9	NUM
bjmsr-453	139	86	%	%	NOUN
bjmsr-453	139	87	32.0	32.0	NUM
bjmsr-453	139	88	9	9	NUM
bjmsr-453	139	89	%	%	NOUN
bjmsr-453	139	90	32.4	32.4	NUM
bjmsr-453	139	91	5	5	NUM
bjmsr-453	139	92	%	%	NOUN
bjmsr-453	139	93	33.5	33.5	NUM
bjmsr-453	139	94	1	1	NUM
bjmsr-453	139	95	%	%	NOUN
bjmsr-453	139	96	62.7	62.7	NUM
bjmsr-453	139	97	7	7	NUM
bjmsr-453	139	98	%	%	NOUN
bjmsr-453	139	99	100.0	100.0	NUM
bjmsr-453	139	100	0	0	NUM
bjmsr-453	139	101	%	%	NOUN
bjmsr-453	139	102	total	total	NOUN
bjmsr-453	139	103	error	error	NOUN
bjmsr-453	139	104	rate	rate	NOUN
bjmsr-453	139	105	7.35	7.35	NUM
bjmsr-453	139	106	%	%	NOUN
bjmsr-453	139	107	7.25	7.25	NUM
bjmsr-453	139	108	%	%	NOUN
bjmsr-453	139	109	6.92	6.92	NUM
bjmsr-453	139	110	%	%	NOUN
bjmsr-453	139	111	6.66	6.66	NUM
bjmsr-453	139	112	%	%	NOUN
bjmsr-453	139	113	6.58	6.58	NUM
bjmsr-453	139	114	%	%	NOUN
bjmsr-453	139	115	6.12	6.12	NUM
bjmsr-453	139	116	%	%	NOUN
bjmsr-453	139	117	6.04	6.04	NUM
bjmsr-453	139	118	%	%	NOUN
bjmsr-453	139	119	5.95	5.95	NUM
bjmsr-453	139	120	%	%	NOUN
bjmsr-453	139	121	6.06	6.06	NUM
bjmsr-453	139	122	%	%	NOUN
bjmsr-453	139	123	6.36	6.36	NUM
bjmsr-453	139	124	%	%	NOUN
bjmsr-453	139	125	10.3	10.3	NUM
bjmsr-453	139	126	8	8	NUM
bjmsr-453	139	127	%	%	NOUN
bjmsr-453	139	128	12.20	12.20	NUM
bjmsr-453	139	129	%	%	NOUN
bjmsr-453	139	130	figure	figure	NOUN
bjmsr-453	139	131	4	4	NUM
bjmsr-453	139	132	.	.	PUNCT
bjmsr-453	139	133	number	number	NOUN
bjmsr-453	139	134	of	of	ADP
bjmsr-453	139	135	variables	variable	NOUN
bjmsr-453	139	136	and	and	CCONJ
bjmsr-453	139	137	accuracy	accuracy	NOUN
bjmsr-453	139	138	from	from	ADP
bjmsr-453	139	139	the	the	DET
bjmsr-453	139	140	figure	figure	NOUN
bjmsr-453	139	141	4	4	NUM
bjmsr-453	139	142	,	,	PUNCT
bjmsr-453	139	143	it	it	PRON
bjmsr-453	139	144	can	can	AUX
bjmsr-453	139	145	be	be	AUX
bjmsr-453	139	146	seen	see	VERB
bjmsr-453	139	147	that	that	SCONJ
bjmsr-453	139	148	when	when	SCONJ
bjmsr-453	139	149	the	the	DET
bjmsr-453	139	150	variable	variable	NOUN
bjmsr-453	139	151	is	be	AUX
bjmsr-453	139	152	4	4	NUM
bjmsr-453	139	153	,	,	PUNCT
bjmsr-453	139	154	5	5	NUM
bjmsr-453	139	155	,	,	PUNCT
bjmsr-453	139	156	6	6	NUM
bjmsr-453	139	157	,	,	PUNCT
bjmsr-453	139	158	when	when	SCONJ
bjmsr-453	139	159	the	the	DET
bjmsr-453	139	160	error	error	NOUN
bjmsr-453	139	161	rate	rate	NOUN
bjmsr-453	139	162	is	be	AUX
bjmsr-453	139	163	low	low	ADJ
bjmsr-453	139	164	.	.	PUNCT
bjmsr-453	140	1	when	when	SCONJ
bjmsr-453	140	2	the	the	DET
bjmsr-453	140	3	variables	variable	NOUN
bjmsr-453	140	4	are	be	AUX
bjmsr-453	140	5	selected	select	VERB
bjmsr-453	140	6	as	as	ADP
bjmsr-453	140	7	4	4	NUM
bjmsr-453	140	8	,	,	PUNCT
bjmsr-453	140	9	5	5	NUM
bjmsr-453	140	10	,	,	PUNCT
bjmsr-453	140	11	6	6	NUM
bjmsr-453	140	12	by	by	ADP
bjmsr-453	140	13	predicting	predict	VERB
bjmsr-453	140	14	the	the	DET
bjmsr-453	140	15	training	training	NOUN
bjmsr-453	140	16	samples	sample	NOUN
bjmsr-453	140	17	and	and	CCONJ
bjmsr-453	140	18	comparing	compare	VERB
bjmsr-453	140	19	the	the	DET
bjmsr-453	140	20	correct	correct	ADJ
bjmsr-453	140	21	rate	rate	NOUN
bjmsr-453	140	22	,	,	PUNCT
bjmsr-453	140	23	we	we	PRON
bjmsr-453	140	24	can	can	AUX
bjmsr-453	140	25	see	see	VERB
bjmsr-453	140	26	that	that	SCONJ
bjmsr-453	140	27	the	the	DET
bjmsr-453	140	28	correct	correct	ADJ
bjmsr-453	140	29	rate	rate	NOUN
bjmsr-453	140	30	is	be	AUX
bjmsr-453	140	31	equal	equal	ADJ
bjmsr-453	140	32	and	and	CCONJ
bjmsr-453	140	33	the	the	DET
bjmsr-453	140	34	highest	high	ADJ
bjmsr-453	140	35	when	when	SCONJ
bjmsr-453	140	36	four	four	NUM
bjmsr-453	140	37	or	or	CCONJ
bjmsr-453	140	38	five	five	NUM
bjmsr-453	140	39	variables	variable	NOUN
bjmsr-453	140	40	are	be	AUX
bjmsr-453	140	41	selected	select	VERB
bjmsr-453	140	42	,	,	PUNCT
bjmsr-453	140	43	indicating	indicate	VERB
bjmsr-453	140	44	that	that	SCONJ
bjmsr-453	140	45	the	the	DET
bjmsr-453	140	46	probability	probability	NOUN
bjmsr-453	140	47	of	of	ADP
bjmsr-453	140	48	making	make	VERB
bjmsr-453	140	49	the	the	DET
bjmsr-453	140	50	above	above	ADJ
bjmsr-453	140	51	two	two	NUM
bjmsr-453	140	52	types	type	NOUN
bjmsr-453	140	53	of	of	ADP
bjmsr-453	140	54	errors	error	NOUN
bjmsr-453	140	55	has	have	AUX
bjmsr-453	140	56	decreased	decrease	VERB
bjmsr-453	140	57	at	at	ADP
bjmsr-453	140	58	this	this	DET
bjmsr-453	140	59	time	time	NOUN
bjmsr-453	140	60	,	,	PUNCT
bjmsr-453	140	61	which	which	PRON
bjmsr-453	140	62	indicates	indicate	VERB
bjmsr-453	140	63	a	a	DET
bjmsr-453	140	64	significant	significant	ADJ
bjmsr-453	140	65	improvement	improvement	NOUN
bjmsr-453	140	66	in	in	ADP
bjmsr-453	140	67	the	the	DET
bjmsr-453	140	68	accuracy	accuracy	NOUN
bjmsr-453	140	69	rate	rate	NOUN
bjmsr-453	140	70	.	.	PUNCT
bjmsr-453	141	1	considering	consider	VERB
bjmsr-453	141	2	the	the	DET
bjmsr-453	141	3	original	original	ADJ
bjmsr-453	141	4	accuracy	accuracy	NOUN
bjmsr-453	141	5	and	and	CCONJ
bjmsr-453	141	6	training	training	NOUN
bjmsr-453	141	7	accuracy	accuracy	NOUN
bjmsr-453	141	8	,	,	PUNCT
bjmsr-453	141	9	the	the	DET
bjmsr-453	141	10	final	final	ADJ
bjmsr-453	141	11	selected	select	VERB
bjmsr-453	141	12	variable	variable	NOUN
bjmsr-453	141	13	in	in	ADP
bjmsr-453	141	14	this	this	DET
bjmsr-453	141	15	chapter	chapter	NOUN
bjmsr-453	141	16	is	be	AUX
bjmsr-453	141	17	5	5	NUM
bjmsr-453	141	18	.	.	PUNCT
bjmsr-453	142	1	so	so	ADV
bjmsr-453	142	2	,	,	PUNCT
bjmsr-453	142	3	in	in	ADP
bjmsr-453	142	4	this	this	DET
bjmsr-453	142	5	case	case	NOUN
bjmsr-453	142	6	,	,	PUNCT
bjmsr-453	142	7	the	the	DET
bjmsr-453	142	8	solution	solution	NOUN
bjmsr-453	142	9	chosen	choose	VERB
bjmsr-453	142	10	for	for	ADP
bjmsr-453	142	11	this	this	DET
bjmsr-453	142	12	model	model	NOUN
bjmsr-453	142	13	is	be	AUX
bjmsr-453	142	14	expected	expect	VERB
bjmsr-453	142	15	to	to	PART
bjmsr-453	142	16	be	be	AUX
bjmsr-453	142	17	optimal	optimal	ADJ
bjmsr-453	142	18	.	.	PUNCT
bjmsr-453	143	1	selection	selection	NOUN
bjmsr-453	143	2	the	the	DET
bjmsr-453	143	3	trees	tree	NOUN
bjmsr-453	143	4	for	for	ADP
bjmsr-453	143	5	test	test	NOUN
bjmsr-453	143	6	:	:	PUNCT
bjmsr-453	143	7	the	the	DET
bjmsr-453	143	8	choice	choice	NOUN
bjmsr-453	143	9	of	of	ADP
bjmsr-453	143	10	the	the	DET
bjmsr-453	143	11	number	number	NOUN
bjmsr-453	143	12	of	of	ADP
bjmsr-453	143	13	trees	tree	NOUN
bjmsr-453	143	14	directly	directly	ADV
bjmsr-453	143	15	affects	affect	VERB
bjmsr-453	143	16	the	the	DET
bjmsr-453	143	17	accuracy	accuracy	NOUN
bjmsr-453	143	18	of	of	ADP
bjmsr-453	143	19	the	the	DET
bjmsr-453	143	20	random	random	ADJ
bjmsr-453	143	21	forest	forest	NOUN
bjmsr-453	143	22	training	training	NOUN
bjmsr-453	143	23	results	result	NOUN
bjmsr-453	143	24	.	.	PUNCT
bjmsr-453	144	1	if	if	SCONJ
bjmsr-453	144	2	there	there	PRON
bjmsr-453	144	3	are	be	VERB
bjmsr-453	144	4	too	too	ADV
bjmsr-453	144	5	few	few	ADJ
bjmsr-453	144	6	tree	tree	NOUN
bjmsr-453	144	7	choices	choice	NOUN
bjmsr-453	144	8	,	,	PUNCT
bjmsr-453	144	9	the	the	DET
bjmsr-453	144	10	predicted	predict	VERB
bjmsr-453	144	11	results	result	NOUN
bjmsr-453	144	12	will	will	AUX
bjmsr-453	144	13	be	be	AUX
bjmsr-453	144	14	unsatisfactory	unsatisfactory	ADJ
bjmsr-453	144	15	;	;	PUNCT
bjmsr-453	144	16	if	if	SCONJ
bjmsr-453	144	17	there	there	PRON
bjmsr-453	144	18	are	be	VERB
bjmsr-453	144	19	too	too	ADV
bjmsr-453	144	20	many	many	ADJ
bjmsr-453	144	21	tree	tree	NOUN
bjmsr-453	144	22	choices	choice	NOUN
bjmsr-453	144	23	,	,	PUNCT
bjmsr-453	144	24	the	the	DET
bjmsr-453	144	25	results	result	NOUN
bjmsr-453	144	26	will	will	AUX
bjmsr-453	144	27	be	be	AUX
bjmsr-453	144	28	more	more	ADV
bjmsr-453	144	29	accurate	accurate	ADJ
bjmsr-453	144	30	,	,	PUNCT
bjmsr-453	144	31	and	and	CCONJ
bjmsr-453	144	32	it	it	PRON
bjmsr-453	144	33	has	have	VERB
bjmsr-453	144	34	no	no	DET
bjmsr-453	144	35	significant	significant	ADJ
bjmsr-453	144	36	effect	effect	NOUN
bjmsr-453	144	37	and	and	CCONJ
bjmsr-453	144	38	will	will	AUX
bjmsr-453	144	39	directly	directly	ADV
bjmsr-453	144	40	affect	affect	VERB
bjmsr-453	144	41	the	the	DET
bjmsr-453	144	42	speed	speed	NOUN
bjmsr-453	144	43	of	of	ADP
bjmsr-453	144	44	model	model	NOUN
bjmsr-453	144	45	operation	operation	NOUN
bjmsr-453	144	46	.	.	PUNCT
bjmsr-453	145	1	in	in	ADP
bjmsr-453	145	2	this	this	DET
bjmsr-453	145	3	paper	paper	NOUN
bjmsr-453	145	4	,	,	PUNCT
bjmsr-453	145	5	200	200	NUM
bjmsr-453	145	6	trees	tree	NOUN
bjmsr-453	145	7	are	be	AUX
bjmsr-453	145	8	selected	select	VERB
bjmsr-453	145	9	to	to	PART
bjmsr-453	145	10	explore	explore	VERB
bjmsr-453	145	11	the	the	DET
bjmsr-453	145	12	influence	influence	NOUN
bjmsr-453	145	13	of	of	ADP
bjmsr-453	145	14	the	the	DET
bjmsr-453	145	15	number	number	NOUN
bjmsr-453	145	16	of	of	ADP
bjmsr-453	145	17	trees	tree	NOUN
bjmsr-453	145	18	on	on	ADP
bjmsr-453	145	19	the	the	DET
bjmsr-453	145	20	accuracy	accuracy	NOUN
bjmsr-453	145	21	of	of	ADP
bjmsr-453	145	22	judgment	judgment	NOUN
bjmsr-453	145	23	.	.	PUNCT
bjmsr-453	146	1	the	the	DET
bjmsr-453	146	2	results	result	NOUN
bjmsr-453	146	3	are	be	AUX
bjmsr-453	146	4	as	as	SCONJ
bjmsr-453	146	5	follows	follow	VERB
bjmsr-453	146	6	:	:	PUNCT
bjmsr-453	146	7	figure	figure	NOUN
bjmsr-453	146	8	5	5	NUM
bjmsr-453	146	9	.	.	PUNCT
bjmsr-453	147	1	verification	verification	NOUN
bjmsr-453	147	2	of	of	ADP
bjmsr-453	147	3	accuracy	accuracy	NOUN
bjmsr-453	147	4	copyright	copyright	NOUN
bjmsr-453	147	5	©	©	PROPN
bjmsr-453	147	6	cc	cc	PROPN
bjmsr-453	147	7	-	-	PUNCT
bjmsr-453	147	8	by	by	ADP
bjmsr-453	147	9	-	-	PUNCT
bjmsr-453	147	10	nc	nc	PROPN
bjmsr-453	147	11	2020	2020	NUM
bjmsr-453	147	12	,	,	PUNCT
bjmsr-453	147	13	cribfb	cribfb	PROPN
bjmsr-453	147	14	|bjmsr	|bjmsr	PROPN
bjmsr-453	147	15	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	148	1	bangladesh	bangladesh	PROPN
bjmsr-453	148	2	journal	journal	PROPN
bjmsr-453	148	3	of	of	ADP
bjmsr-453	148	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	148	5	scientific	scientific	ADJ
bjmsr-453	148	6	research	research	NOUN
bjmsr-453	148	7	vol	vol	NOUN
bjmsr-453	148	8	.	.	PROPN
bjmsr-453	149	1	2	2	NUM
bjmsr-453	149	2	,	,	PUNCT
bjmsr-453	149	3	no	no	INTJ
bjmsr-453	149	4	.	.	NOUN
bjmsr-453	149	5	1	1	NUM
bjmsr-453	149	6	;	;	PUNCT
bjmsr-453	149	7	2020	2020	NUM
bjmsr-453	149	8	10	10	NUM
bjmsr-453	149	9	t	t	NOUN
bjmsr-453	149	10	=	=	SYM
bjmsr-453	149	11	l	l	NOUN
bjmsr-453	149	12	as	as	SCONJ
bjmsr-453	149	13	shown	show	VERB
bjmsr-453	149	14	in	in	ADP
bjmsr-453	149	15	the	the	DET
bjmsr-453	149	16	figure	figure	NOUN
bjmsr-453	149	17	5	5	NUM
bjmsr-453	149	18	above	above	ADV
bjmsr-453	149	19	,	,	PUNCT
bjmsr-453	149	20	the	the	DET
bjmsr-453	149	21	graph	graph	NOUN
bjmsr-453	149	22	abscissa	abscissa	NOUN
bjmsr-453	149	23	represents	represent	VERB
bjmsr-453	149	24	the	the	DET
bjmsr-453	149	25	number	number	NOUN
bjmsr-453	149	26	of	of	ADP
bjmsr-453	149	27	trees	tree	NOUN
bjmsr-453	149	28	,	,	PUNCT
bjmsr-453	149	29	and	and	CCONJ
bjmsr-453	149	30	the	the	DET
bjmsr-453	149	31	ordinate	ordinate	NOUN
bjmsr-453	149	32	represents	represent	VERB
bjmsr-453	149	33	the	the	DET
bjmsr-453	149	34	judgment	judgment	NOUN
bjmsr-453	149	35	error	error	NOUN
bjmsr-453	149	36	rate	rate	NOUN
bjmsr-453	149	37	of	of	ADP
bjmsr-453	149	38	the	the	DET
bjmsr-453	149	39	model	model	NOUN
bjmsr-453	149	40	,	,	PUNCT
bjmsr-453	149	41	where	where	SCONJ
bjmsr-453	149	42	green	green	PROPN
bjmsr-453	149	43	represents	represent	VERB
bjmsr-453	149	44	the	the	DET
bjmsr-453	149	45	error	error	NOUN
bjmsr-453	149	46	rate	rate	NOUN
bjmsr-453	149	47	of	of	ADP
bjmsr-453	149	48	the	the	DET
bjmsr-453	149	49	model	model	NOUN
bjmsr-453	149	50	in	in	ADP
bjmsr-453	149	51	judging	judge	VERB
bjmsr-453	149	52	deferred	defer	VERB
bjmsr-453	149	53	repayment	repayment	NOUN
bjmsr-453	149	54	,	,	PUNCT
bjmsr-453	149	55	red	red	NOUN
bjmsr-453	149	56	represents	represent	VERB
bjmsr-453	149	57	the	the	DET
bjmsr-453	149	58	error	error	NOUN
bjmsr-453	149	59	rate	rate	NOUN
bjmsr-453	149	60	of	of	ADP
bjmsr-453	149	61	the	the	DET
bjmsr-453	149	62	model	model	NOUN
bjmsr-453	149	63	in	in	ADP
bjmsr-453	149	64	judging	judge	VERB
bjmsr-453	149	65	on	on	ADP
bjmsr-453	149	66	-	-	PUNCT
bjmsr-453	149	67	time	time	NOUN
bjmsr-453	149	68	repayment	repayment	NOUN
bjmsr-453	149	69	,	,	PUNCT
bjmsr-453	149	70	and	and	CCONJ
bjmsr-453	149	71	black	black	ADJ
bjmsr-453	149	72	represents	represent	VERB
bjmsr-453	149	73	the	the	DET
bjmsr-453	149	74	total	total	ADJ
bjmsr-453	149	75	error	error	NOUN
bjmsr-453	149	76	rate	rate	NOUN
bjmsr-453	149	77	.	.	PUNCT
bjmsr-453	150	1	it	it	PRON
bjmsr-453	150	2	is	be	AUX
bjmsr-453	150	3	evident	evident	ADJ
bjmsr-453	150	4	from	from	ADP
bjmsr-453	150	5	the	the	DET
bjmsr-453	150	6	figure	figure	NOUN
bjmsr-453	150	7	that	that	SCONJ
bjmsr-453	150	8	when	when	SCONJ
bjmsr-453	150	9	the	the	DET
bjmsr-453	150	10	tree	tree	NOUN
bjmsr-453	150	11	of	of	ADP
bjmsr-453	150	12	the	the	DET
bjmsr-453	150	13	tree	tree	NOUN
bjmsr-453	150	14	is	be	AUX
bjmsr-453	150	15	at	at	ADP
bjmsr-453	150	16	50	50	NUM
bjmsr-453	150	17	trees	tree	NOUN
bjmsr-453	150	18	,	,	PUNCT
bjmsr-453	150	19	the	the	DET
bjmsr-453	150	20	error	error	NOUN
bjmsr-453	150	21	rates	rate	NOUN
bjmsr-453	150	22	of	of	ADP
bjmsr-453	150	23	on	on	ADP
bjmsr-453	150	24	-	-	PUNCT
bjmsr-453	150	25	time	time	NOUN
bjmsr-453	150	26	repayment	repayment	NOUN
bjmsr-453	150	27	and	and	CCONJ
bjmsr-453	150	28	deferred	deferred	ADJ
bjmsr-453	150	29	repayment	repayment	NOUN
bjmsr-453	150	30	have	have	AUX
bjmsr-453	150	31	reached	reach	VERB
bjmsr-453	150	32	the	the	DET
bjmsr-453	150	33	lowest	low	ADJ
bjmsr-453	150	34	point	point	NOUN
bjmsr-453	150	35	.	.	PUNCT
bjmsr-453	151	1	based	base	VERB
bjmsr-453	151	2	on	on	ADP
bjmsr-453	151	3	this	this	PRON
bjmsr-453	151	4	,	,	PUNCT
bjmsr-453	151	5	the	the	DET
bjmsr-453	151	6	judgment	judgment	NOUN
bjmsr-453	151	7	standard	standard	NOUN
bjmsr-453	151	8	of	of	ADP
bjmsr-453	151	9	the	the	DET
bjmsr-453	151	10	model	model	NOUN
bjmsr-453	151	11	can	can	AUX
bjmsr-453	151	12	be	be	AUX
bjmsr-453	151	13	inferred	infer	VERB
bjmsr-453	151	14	.	.	PUNCT
bjmsr-453	152	1	the	the	DET
bjmsr-453	152	2	rate	rate	NOUN
bjmsr-453	152	3	of	of	ADP
bjmsr-453	152	4	confirmation	confirmation	NOUN
bjmsr-453	152	5	is	be	AUX
bjmsr-453	152	6	approximately	approximately	ADV
bjmsr-453	152	7	94	94	NUM
bjmsr-453	152	8	%	%	NOUN
bjmsr-453	152	9	.	.	PUNCT
bjmsr-453	153	1	random	random	ADJ
bjmsr-453	153	2	forest	forest	NOUN
bjmsr-453	153	3	model	model	NOUN
bjmsr-453	153	4	predicts	predict	VERB
bjmsr-453	153	5	the	the	DET
bjmsr-453	153	6	final	final	ADJ
bjmsr-453	153	7	result	result	NOUN
bjmsr-453	153	8	:	:	PUNCT
bjmsr-453	153	9	according	accord	VERB
bjmsr-453	153	10	to	to	ADP
bjmsr-453	153	11	the	the	DET
bjmsr-453	153	12	selection	selection	NOUN
bjmsr-453	153	13	of	of	ADP
bjmsr-453	153	14	variables	variable	NOUN
bjmsr-453	153	15	and	and	CCONJ
bjmsr-453	153	16	the	the	DET
bjmsr-453	153	17	setting	setting	NOUN
bjmsr-453	153	18	of	of	ADP
bjmsr-453	153	19	model	model	NOUN
bjmsr-453	153	20	parameters	parameter	NOUN
bjmsr-453	153	21	,	,	PUNCT
bjmsr-453	153	22	the	the	DET
bjmsr-453	153	23	final	final	ADJ
bjmsr-453	153	24	variables	variable	NOUN
bjmsr-453	153	25	selected	select	VERB
bjmsr-453	153	26	in	in	ADP
bjmsr-453	153	27	this	this	DET
bjmsr-453	153	28	paper	paper	NOUN
bjmsr-453	153	29	are	be	AUX
bjmsr-453	153	30	per	per	ADP
bjmsr-453	153	31	capita	capita	NOUN
bjmsr-453	153	32	consumption	consumption	NOUN
bjmsr-453	153	33	expenditure	expenditure	NOUN
bjmsr-453	153	34	,	,	PUNCT
bjmsr-453	153	35	x14	x14	PROPN
bjmsr-453	153	36	(	(	PUNCT
bjmsr-453	153	37	regional	regional	ADJ
bjmsr-453	153	38	fixed	fix	VERB
bjmsr-453	153	39	-	-	PUNCT
bjmsr-453	153	40	asset	asset	NOUN
bjmsr-453	153	41	investment	investment	NOUN
bjmsr-453	153	42	index	index	NOUN
bjmsr-453	153	43	)	)	PUNCT
bjmsr-453	153	44	,	,	PUNCT
bjmsr-453	154	1	x2	x2	PROPN
bjmsr-453	154	2	(	(	PUNCT
bjmsr-453	154	3	agent	agent	NOUN
bjmsr-453	154	4	)	)	PUNCT
bjmsr-453	154	5	,	,	PUNCT
bjmsr-453	154	6	x1	x1	PROPN
bjmsr-453	154	7	(	(	PUNCT
bjmsr-453	154	8	loan	loan	NOUN
bjmsr-453	154	9	grade	grade	NOUN
bjmsr-453	154	10	)	)	PUNCT
bjmsr-453	154	11	,	,	PUNCT
bjmsr-453	154	12	x10	x10	PROPN
bjmsr-453	154	13	(	(	PUNCT
bjmsr-453	154	14	province	province	PROPN
bjmsr-453	154	15	gdp	gdp	PROPN
bjmsr-453	154	16	)	)	PUNCT
bjmsr-453	154	17	.	.	PUNCT
bjmsr-453	155	1	parameter	parameter	PROPN
bjmsr-453	155	2	tree	tree	NOUN
bjmsr-453	155	3	the	the	DET
bjmsr-453	155	4	choice	choice	NOUN
bjmsr-453	155	5	is	be	AUX
bjmsr-453	155	6	200	200	NUM
bjmsr-453	155	7	trees	tree	NOUN
bjmsr-453	155	8	.	.	PUNCT
bjmsr-453	156	1	table	table	NOUN
bjmsr-453	156	2	10.random	10.random	PUNCT
bjmsr-453	156	3	forest	forest	NOUN
bjmsr-453	156	4	model	model	NOUN
bjmsr-453	156	5	final	final	ADJ
bjmsr-453	156	6	training	training	NOUN
bjmsr-453	156	7	results	result	NOUN
bjmsr-453	156	8	overall	overall	ADJ
bjmsr-453	156	9	accuracy	accuracy	NOUN
bjmsr-453	156	10	:	:	PUNCT
bjmsr-453	156	11	94.1	94.1	NUM
bjmsr-453	156	12	%	%	NOUN
bjmsr-453	156	13	from	from	ADP
bjmsr-453	156	14	the	the	DET
bjmsr-453	156	15	result	result	NOUN
bjmsr-453	156	16	,	,	PUNCT
bjmsr-453	156	17	the	the	DET
bjmsr-453	156	18	overall	overall	ADJ
bjmsr-453	156	19	accuracy	accuracy	NOUN
bjmsr-453	156	20	of	of	ADP
bjmsr-453	156	21	the	the	DET
bjmsr-453	156	22	model	model	NOUN
bjmsr-453	156	23	is	be	AUX
bjmsr-453	156	24	94.1	94.1	NUM
bjmsr-453	156	25	%	%	NOUN
bjmsr-453	156	26	,	,	PUNCT
bjmsr-453	156	27	of	of	ADP
bjmsr-453	156	28	which	which	PRON
bjmsr-453	156	29	the	the	DET
bjmsr-453	156	30	judgment	judgment	NOUN
bjmsr-453	156	31	of	of	ADP
bjmsr-453	156	32	the	the	DET
bjmsr-453	156	33	people	people	NOUN
bjmsr-453	156	34	who	who	PRON
bjmsr-453	156	35	repay	repay	VERB
bjmsr-453	156	36	on	on	ADP
bjmsr-453	156	37	time	time	NOUN
bjmsr-453	156	38	is	be	AUX
bjmsr-453	156	39	more	more	ADV
bjmsr-453	156	40	accurate	accurate	ADJ
bjmsr-453	156	41	,	,	PUNCT
bjmsr-453	156	42	and	and	CCONJ
bjmsr-453	156	43	its	its	PRON
bjmsr-453	156	44	accuracy	accuracy	NOUN
bjmsr-453	156	45	up	up	ADP
bjmsr-453	156	46	to	to	ADP
bjmsr-453	156	47	97.7	97.7	NUM
bjmsr-453	156	48	%	%	NOUN
bjmsr-453	156	49	;	;	PUNCT
bjmsr-453	156	50	while	while	SCONJ
bjmsr-453	156	51	the	the	DET
bjmsr-453	156	52	judgment	judgment	NOUN
bjmsr-453	156	53	of	of	ADP
bjmsr-453	156	54	the	the	DET
bjmsr-453	156	55	people	people	NOUN
bjmsr-453	156	56	who	who	PRON
bjmsr-453	156	57	delayed	delay	VERB
bjmsr-453	156	58	repayment	repayment	NOUN
bjmsr-453	156	59	was	be	AUX
bjmsr-453	156	60	slightly	slightly	ADV
bjmsr-453	156	61	unsatisfactory	unsatisfactory	ADJ
bjmsr-453	156	62	,	,	PUNCT
bjmsr-453	156	63	with	with	ADP
bjmsr-453	156	64	an	an	DET
bjmsr-453	156	65	accuracy	accuracy	NOUN
bjmsr-453	156	66	of	of	ADP
bjmsr-453	156	67	approx	approx	PROPN
bjmsr-453	156	68	.	.	PUNCT
bjmsr-453	157	1	is	be	AUX
bjmsr-453	157	2	67.9	67.9	NUM
bjmsr-453	157	3	%	%	NOUN
bjmsr-453	157	4	.	.	PUNCT
bjmsr-453	158	1	the	the	DET
bjmsr-453	158	2	reason	reason	NOUN
bjmsr-453	158	3	for	for	ADP
bjmsr-453	158	4	this	this	PRON
bjmsr-453	158	5	may	may	AUX
bjmsr-453	158	6	be	be	AUX
bjmsr-453	158	7	related	relate	VERB
bjmsr-453	158	8	to	to	ADP
bjmsr-453	158	9	the	the	DET
bjmsr-453	158	10	selection	selection	NOUN
bjmsr-453	158	11	of	of	ADP
bjmsr-453	158	12	sample	sample	NOUN
bjmsr-453	158	13	size	size	NOUN
bjmsr-453	158	14	.	.	PUNCT
bjmsr-453	159	1	5.2	5.2	NUM
bjmsr-453	159	2	discriminate	discriminate	VERB
bjmsr-453	159	3	analysis	analysis	NOUN
bjmsr-453	159	4	according	accord	VERB
bjmsr-453	159	5	to	to	ADP
bjmsr-453	159	6	the	the	DET
bjmsr-453	159	7	previous	previous	ADJ
bjmsr-453	159	8	person	person	NOUN
bjmsr-453	159	9	according	accord	VERB
bjmsr-453	159	10	to	to	ADP
bjmsr-453	159	11	the	the	DET
bjmsr-453	159	12	results	result	NOUN
bjmsr-453	159	13	of	of	ADP
bjmsr-453	159	14	correlation	correlation	NOUN
bjmsr-453	159	15	coefficient	coefficient	NOUN
bjmsr-453	159	16	analysis	analysis	NOUN
bjmsr-453	159	17	,	,	PUNCT
bjmsr-453	159	18	ten	ten	NUM
bjmsr-453	159	19	variables	variable	NOUN
bjmsr-453	159	20	that	that	PRON
bjmsr-453	159	21	have	have	VERB
bjmsr-453	159	22	a	a	DET
bjmsr-453	159	23	large	large	ADJ
bjmsr-453	159	24	to	to	ADP
bjmsr-453	159	25	small	small	ADJ
bjmsr-453	159	26	correlation	correlation	NOUN
bjmsr-453	159	27	with	with	ADP
bjmsr-453	159	28	the	the	DET
bjmsr-453	159	29	explained	explain	VERB
bjmsr-453	159	30	variable	variable	NOUN
bjmsr-453	159	31	(	(	PUNCT
bjmsr-453	159	32	whether	whether	SCONJ
bjmsr-453	159	33	deferred	defer	VERB
bjmsr-453	159	34	repayment	repayment	NOUN
bjmsr-453	159	35	or	or	CCONJ
bjmsr-453	159	36	not	not	PART
bjmsr-453	159	37	)	)	PUNCT
bjmsr-453	159	38	are	be	AUX
bjmsr-453	159	39	selected	select	VERB
bjmsr-453	159	40	as	as	ADP
bjmsr-453	159	41	the	the	DET
bjmsr-453	159	42	observed	observed	ADJ
bjmsr-453	159	43	variables	variable	NOUN
bjmsr-453	159	44	.	.	PUNCT
bjmsr-453	160	1	these	these	PRON
bjmsr-453	160	2	are	be	AUX
bjmsr-453	160	3	x1	x1	PROPN
bjmsr-453	160	4	,	,	PUNCT
bjmsr-453	160	5	x2	x2	PROPN
bjmsr-453	160	6	,	,	PUNCT
bjmsr-453	160	7	x6	x6	PROPN
bjmsr-453	160	8	,	,	PUNCT
bjmsr-453	160	9	x7	x7	NOUN
bjmsr-453	160	10	,	,	PUNCT
bjmsr-453	160	11	x10	x10	NOUN
bjmsr-453	160	12	,	,	PUNCT
bjmsr-453	160	13	x11	x11	PROPN
bjmsr-453	160	14	,	,	PUNCT
bjmsr-453	160	15	x12	x12	NUM
bjmsr-453	160	16	,	,	PUNCT
bjmsr-453	160	17	x13	x13	PROPN
bjmsr-453	160	18	,	,	PUNCT
bjmsr-453	160	19	x14	x14	PROPN
bjmsr-453	160	20	,	,	PUNCT
bjmsr-453	160	21	x15	x15	NUM
bjmsr-453	160	22	,	,	PUNCT
bjmsr-453	160	23	respectively	respectively	ADV
bjmsr-453	160	24	,	,	PUNCT
bjmsr-453	160	25	and	and	CCONJ
bjmsr-453	160	26	there	there	PRON
bjmsr-453	160	27	will	will	AUX
bjmsr-453	160	28	be	be	AUX
bjmsr-453	160	29	full	full	ADJ
bjmsr-453	160	30	samples	sample	NOUN
bjmsr-453	160	31	of	of	ADP
bjmsr-453	160	32	agents	agent	NOUN
bjmsr-453	160	33	as	as	ADP
bjmsr-453	160	34	training	training	NOUN
bjmsr-453	160	35	data	datum	NOUN
bjmsr-453	160	36	.	.	PUNCT
bjmsr-453	161	1	the	the	DET
bjmsr-453	161	2	final	final	ADJ
bjmsr-453	161	3	results	result	NOUN
bjmsr-453	161	4	obtained	obtain	VERB
bjmsr-453	161	5	by	by	ADP
bjmsr-453	161	6	the	the	DET
bjmsr-453	161	7	calculation	calculation	NOUN
bjmsr-453	161	8	method	method	NOUN
bjmsr-453	161	9	of	of	ADP
bjmsr-453	161	10	discriminant	discriminant	ADJ
bjmsr-453	161	11	analysis	analysis	NOUN
bjmsr-453	161	12	are	be	AUX
bjmsr-453	161	13	as	as	SCONJ
bjmsr-453	161	14	follows	follow	VERB
bjmsr-453	161	15	:	:	PUNCT
bjmsr-453	161	16	table	table	NOUN
bjmsr-453	162	1	11.discriminant	11.discriminant	NOUN
bjmsr-453	162	2	analysis	analysis	NOUN
bjmsr-453	162	3	results	result	VERB
bjmsr-453	162	4	original	original	ADJ
bjmsr-453	162	5	result	result	NOUN
bjmsr-453	162	6	training	training	NOUN
bjmsr-453	162	7	results	result	NOUN
bjmsr-453	162	8	prediction	prediction	NOUN
bjmsr-453	162	9	accuracy	accuracy	NOUN
bjmsr-453	162	10	0	0	NUM
bjmsr-453	163	1	1	1	NUM
bjmsr-453	163	2	0	0	NUM
bjmsr-453	163	3	5077	5077	NUM
bjmsr-453	163	4	4106	4106	NUM
bjmsr-453	163	5	971	971	NUM
bjmsr-453	163	6	80.9	80.9	NUM
bjmsr-453	163	7	%	%	NOUN
bjmsr-453	163	8	1	1	NUM
bjmsr-453	163	9	698	698	NUM
bjmsr-453	163	10	259	259	NUM
bjmsr-453	163	11	439	439	NUM
bjmsr-453	163	12	78.1	78.1	NUM
bjmsr-453	163	13	%	%	NOUN
bjmsr-453	163	14	overall	overall	ADJ
bjmsr-453	163	15	accuracy	accuracy	NOUN
bjmsr-453	163	16	:	:	PUNCT
bjmsr-453	163	17	78.7	78.7	NUM
bjmsr-453	163	18	%	%	NOUN
bjmsr-453	163	19	5.3	5.3	NUM
bjmsr-453	163	20	logistic	logistic	ADJ
bjmsr-453	163	21	regression	regression	NOUN
bjmsr-453	163	22	introduction	introduction	NOUN
bjmsr-453	163	23	to	to	ADP
bjmsr-453	163	24	the	the	DET
bjmsr-453	163	25	entropy	entropy	NOUN
bjmsr-453	163	26	weight	weight	NOUN
bjmsr-453	163	27	method	method	NOUN
bjmsr-453	163	28	:	:	PUNCT
bjmsr-453	163	29	entropy	entropy	PROPN
bjmsr-453	163	30	weight	weight	NOUN
bjmsr-453	163	31	is	be	AUX
bjmsr-453	163	32	a	a	DET
bjmsr-453	163	33	method	method	NOUN
bjmsr-453	163	34	based	base	VERB
bjmsr-453	163	35	on	on	ADP
bjmsr-453	163	36	actual	actual	ADJ
bjmsr-453	163	37	weights	weight	NOUN
bjmsr-453	163	38	,	,	PUNCT
bjmsr-453	163	39	the	the	DET
bjmsr-453	163	40	amount	amount	NOUN
bjmsr-453	163	41	of	of	ADP
bjmsr-453	163	42	information	information	NOUN
bjmsr-453	163	43	contained	contain	VERB
bjmsr-453	163	44	in	in	ADP
bjmsr-453	163	45	each	each	DET
bjmsr-453	163	46	index	index	NOUN
bjmsr-453	163	47	,	,	PUNCT
bjmsr-453	163	48	and	and	CCONJ
bjmsr-453	163	49	a.	a.	NOUN
bjmsr-453	163	50	the	the	PRON
bjmsr-453	163	51	smaller	small	ADJ
bjmsr-453	163	52	the	the	DET
bjmsr-453	163	53	entropy	entropy	NOUN
bjmsr-453	163	54	,	,	PUNCT
bjmsr-453	163	55	the	the	PRON
bjmsr-453	163	56	higher	high	ADJ
bjmsr-453	163	57	the	the	DET
bjmsr-453	163	58	variability	variability	NOUN
bjmsr-453	163	59	of	of	ADP
bjmsr-453	163	60	the	the	DET
bjmsr-453	163	61	exponent	exponent	NOUN
bjmsr-453	163	62	.	.	PUNCT
bjmsr-453	164	1	the	the	DET
bjmsr-453	164	2	greater	great	ADJ
bjmsr-453	164	3	its	its	PRON
bjmsr-453	164	4	role	role	NOUN
bjmsr-453	164	5	,	,	PUNCT
bjmsr-453	164	6	the	the	PRON
bjmsr-453	164	7	higher	high	ADJ
bjmsr-453	164	8	the	the	DET
bjmsr-453	164	9	weight	weight	NOUN
bjmsr-453	164	10	of	of	ADP
bjmsr-453	164	11	comprehensive	comprehensive	ADJ
bjmsr-453	164	12	evaluation	evaluation	NOUN
bjmsr-453	164	13	.	.	PUNCT
bjmsr-453	165	1	computational	computational	ADJ
bjmsr-453	165	2	program	program	NOUN
bjmsr-453	165	3	entropy	entropy	NOUN
bjmsr-453	165	4	weight	weight	NOUN
bjmsr-453	165	5	method	method	NOUN
bjmsr-453	165	6	is	be	AUX
bjmsr-453	165	7	simple	simple	ADJ
bjmsr-453	165	8	and	and	CCONJ
bjmsr-453	165	9	straightforward;the	straightforward;the	DET
bjmsr-453	165	10	index	index	NOUN
bjmsr-453	165	11	data	datum	NOUN
bjmsr-453	165	12	is	be	AUX
bjmsr-453	165	13	effectively	effectively	ADV
bjmsr-453	165	14	used	use	VERB
bjmsr-453	165	15	,	,	PUNCT
bjmsr-453	165	16	excluding	exclude	VERB
bjmsr-453	165	17	the	the	DET
bjmsr-453	165	18	influence	influence	NOUN
bjmsr-453	165	19	of	of	ADP
bjmsr-453	165	20	subjective	subjective	ADJ
bjmsr-453	165	21	factors(bikker	factors(bikker	PROPN
bjmsr-453	165	22	&	&	CCONJ
bjmsr-453	165	23	haaf	haaf	PROPN
bjmsr-453	165	24	,	,	PUNCT
bjmsr-453	165	25	2002	2002	NUM
bjmsr-453	165	26	)	)	PUNCT
bjmsr-453	165	27	.	.	PUNCT
bjmsr-453	166	1	data	datum	NOUN
bjmsr-453	166	2	normalization	normalization	PROPN
bjmsr-453	166	3	:	:	PUNCT
bjmsr-453	166	4	standardize	standardize	VERB
bjmsr-453	166	5	the	the	DET
bjmsr-453	166	6	data	datum	NOUN
bjmsr-453	166	7	of	of	ADP
bjmsr-453	166	8	each	each	DET
bjmsr-453	166	9	indicator	indicator	NOUN
bjmsr-453	166	10	.	.	PUNCT
bjmsr-453	167	1	it	it	PRON
bjmsr-453	167	2	is	be	AUX
bjmsr-453	167	3	assumed	assume	VERB
bjmsr-453	167	4	that	that	SCONJ
bjmsr-453	167	5	m	m	VERB
bjmsr-453	167	6	indicators	indicator	NOUN
bjmsr-453	167	7	are	be	AUX
bjmsr-453	167	8	given	give	VERB
bjmsr-453	167	9	,	,	PUNCT
bjmsr-453	167	10	x1	x1	PROPN
bjmsr-453	167	11	,	,	PUNCT
bjmsr-453	167	12	x2	x2	PROPN
bjmsr-453	167	13	,	,	PUNCT
bjmsr-453	167	14	x3	x3	ADJ
bjmsr-453	167	15	,	,	PUNCT
bjmsr-453	167	16	…	…	PUNCT
bjmsr-453	167	17	where	where	SCONJ
bjmsr-453	167	18	xi	xi	VERB
bjmsr-453	167	19	=	=	PUNCT
bjmsr-453	167	20	{	{	PUNCT
bjmsr-453	167	21	x1	x1	PROPN
bjmsr-453	167	22	,	,	PUNCT
bjmsr-453	167	23	x2	x2	PROPN
bjmsr-453	167	24	,	,	PUNCT
bjmsr-453	167	25	…	…	PUNCT
bjmsr-453	167	26	,	,	PUNCT
bjmsr-453	167	27	xm	xm	PROPN
bjmsr-453	167	28	}	}	PUNCT
bjmsr-453	167	29	,	,	PUNCT
bjmsr-453	167	30	assuming	assume	VERB
bjmsr-453	167	31	that	that	SCONJ
bjmsr-453	167	32	the	the	DET
bjmsr-453	167	33	values	value	NOUN
bjmsr-453	167	34	normalized	normalize	VERB
bjmsr-453	167	35	to	to	ADP
bjmsr-453	167	36	the	the	DET
bjmsr-453	167	37	respective	respective	ADJ
bjmsr-453	167	38	indicator	indicator	NOUN
bjmsr-453	167	39	data	datum	NOUN
bjmsr-453	167	40	are	be	AUX
bjmsr-453	167	41	1y	1y	NUM
bjmsr-453	167	42	,	,	PUNCT
bjmsr-453	167	43	2y	2y	NUM
bjmsr-453	167	44	,	,	PUNCT
bjmsr-453	167	45	…	…	PUNCT
bjmsr-453	167	46	my	my	PRON
bjmsr-453	167	47	,	,	PUNCT
bjmsr-453	167	48	then	then	ADV
bjmsr-453	167	49	)	)	PUNCT
bjmsr-453	167	50	(	(	PUNCT
bjmsr-453	167	51	x(xi	x(xi	PROPN
bjmsr-453	167	52	)	)	PUNCT
bjmsr-453	167	53	)	)	PUNCT
bjmsr-453	168	1	(	(	PUNCT
bjmsr-453	168	2	xx	xx	NUM
bjmsr-453	168	3	y	y	INTJ
bjmsr-453	169	1	i	i	PRON
bjmsr-453	169	2	jij	jij	INTJ
bjmsr-453	169	3	ij	ij	X
bjmsr-453	169	4	minmax	minmax	PROPN
bjmsr-453	169	5	min	min	PROPN
bjmsr-453	169	6			PROPN
bjmsr-453	169	7			PROPN
bjmsr-453	169	8			NOUN
bjmsr-453	169	9	seeking	seek	VERB
bjmsr-453	169	10	the	the	DET
bjmsr-453	169	11	entropy	entropy	NOUN
bjmsr-453	169	12	of	of	ADP
bjmsr-453	169	13	information	information	NOUN
bjmsr-453	169	14	of	of	ADP
bjmsr-453	169	15	each	each	DET
bjmsr-453	169	16	index	index	NOUN
bjmsr-453	169	17	:	:	PUNCT
bjmsr-453	169	18	according	accord	VERB
bjmsr-453	169	19	to	to	ADP
bjmsr-453	169	20	the	the	DET
bjmsr-453	169	21	definition	definition	NOUN
bjmsr-453	169	22	of	of	ADP
bjmsr-453	169	23	entropy	entropy	NOUN
bjmsr-453	169	24	of	of	ADP
bjmsr-453	169	25	information	information	NOUN
bjmsr-453	169	26	,	,	PUNCT
bjmsr-453	169	27	the	the	DET
bjmsr-453	169	28	entropy	entropy	NOUN
bjmsr-453	169	29	of	of	ADP
bjmsr-453	169	30	information	information	NOUN
bjmsr-453	169	31	of	of	ADP
bjmsr-453	169	32	a	a	DET
bjmsr-453	169	33	group	group	NOUN
bjmsr-453	169	34	of	of	ADP
bjmsr-453	169	35	data	datum	NOUN
bjmsr-453	169	36	(	(	PUNCT
bjmsr-453	169	37	n	n	CCONJ
bjmsr-453	169	38	)	)	PUNCT
bjmsr-453	170	1	pp	pp	ADP
bjmsr-453	170	2	e	e	NOUN
bjmsr-453	170	3	n	n	CCONJ
bjmsr-453	171	1	i	i	PRON
bjmsr-453	171	2	ijij	ijij	VERB
bjmsr-453	172	1	j	j	PROPN
bjmsr-453	172	2	ln	ln	PROPN
bjmsr-453	172	3	ln	ln	ADJ
bjmsr-453	172	4	1	1	NUM
bjmsr-453	172	5			X
bjmsr-453	172	6			NUM
bjmsr-453	172	7	and	and	CCONJ
bjmsr-453	172	8	.	.	PUNCT
bjmsr-453	173	1	among	among	ADP
bjmsr-453	173	2	them	they	PRON
bjmsr-453	173	3	if	if	SCONJ
bjmsr-453	173	4	0	0	NUM
bjmsr-453	173	5	=	=	PRON
bjmsr-453	173	6	pij	pij	AUX
bjmsr-453	173	7	then	then	ADV
bjmsr-453	173	8	define	define	VERB
bjmsr-453	173	9	0lim	0lim	NOUN
bjmsr-453	173	10	ijij*inpp	ijij*inpp	PRON
bjmsr-453	173	11	determine	determine	VERB
bjmsr-453	173	12	the	the	DET
bjmsr-453	173	13	weight	weight	NOUN
bjmsr-453	173	14	of	of	ADP
bjmsr-453	173	15	each	each	DET
bjmsr-453	173	16	indicator	indicator	NOUN
bjmsr-453	173	17	:	:	PUNCT
bjmsr-453	173	18	according	accord	VERB
bjmsr-453	173	19	to	to	ADP
bjmsr-453	173	20	the	the	DET
bjmsr-453	173	21	calculation	calculation	NOUN
bjmsr-453	173	22	formula	formula	NOUN
bjmsr-453	173	23	of	of	ADP
bjmsr-453	173	24	information	information	NOUN
bjmsr-453	173	25	entropy	entropy	PROPN
bjmsr-453	173	26	,	,	PUNCT
bjmsr-453	173	27	the	the	DET
bjmsr-453	173	28	information	information	NOUN
bjmsr-453	173	29	entropy	entropy	NOUN
bjmsr-453	173	30	of	of	ADP
bjmsr-453	173	31	each	each	DET
bjmsr-453	173	32	index	index	NOUN
bjmsr-453	173	33	is	be	AUX
bjmsr-453	173	34	calculated	calculate	VERB
bjmsr-453	173	35	as	as	ADP
bjmsr-453	173	36	e1	e1	PROPN
bjmsr-453	173	37	,	,	PUNCT
bjmsr-453	173	38	e2	e2	PROPN
bjmsr-453	173	39	,	,	PUNCT
bjmsr-453	173	40	...	...	PUNCT
bjmsr-453	174	1	em	em	PRON
bjmsr-453	174	2	.	.	PUNCT
bjmsr-453	175	1	the	the	DET
bjmsr-453	175	2	weights	weight	NOUN
bjmsr-453	175	3	of	of	ADP
bjmsr-453	175	4	each	each	DET
bjmsr-453	175	5	indicator	indicator	NOUN
bjmsr-453	175	6	were	be	AUX
bjmsr-453	175	7	calculated	calculate	VERB
bjmsr-453	175	8	by	by	ADP
bjmsr-453	175	9	information	information	NOUN
bjmsr-453	175	10	entropy	entropy	PROPN
bjmsr-453	175	11	:	:	PUNCT
bjmsr-453	175	12	original	original	ADJ
bjmsr-453	175	13	result	result	NOUN
bjmsr-453	175	14	training	training	NOUN
bjmsr-453	175	15	results	result	NOUN
bjmsr-453	175	16	prediction	prediction	NOUN
bjmsr-453	175	17	accuracy	accuracy	NOUN
bjmsr-453	175	18	0	0	NUM
bjmsr-453	175	19	1	1	NUM
bjmsr-453	175	20	0	0	NUM
bjmsr-453	175	21	4059	4059	NUM
bjmsr-453	175	22	3965	3965	NUM
bjmsr-453	175	23	94	94	NUM
bjmsr-453	175	24	97.7	97.7	NUM
bjmsr-453	175	25	%	%	NOUN
bjmsr-453	175	26	1	1	NUM
bjmsr-453	175	27	564	564	NUM
bjmsr-453	175	28	181	181	NUM
bjmsr-453	175	29	383	383	NUM
bjmsr-453	175	30	67.9	67.9	NUM
bjmsr-453	175	31	%	%	NOUN
bjmsr-453	175	32	copyright	copyright	NOUN
bjmsr-453	175	33	©	©	PROPN
bjmsr-453	175	34	cc	cc	NOUN
bjmsr-453	175	35	-	-	PUNCT
bjmsr-453	175	36	by	by	ADP
bjmsr-453	175	37	-	-	PUNCT
bjmsr-453	175	38	nc	nc	PROPN
bjmsr-453	175	39	2020	2020	NUM
bjmsr-453	175	40	,	,	PUNCT
bjmsr-453	175	41	cribfb	cribfb	PROPN
bjmsr-453	175	42	|bjmsr	|bjmsr	PROPN
bjmsr-453	175	43	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	175	44	bangladesh	bangladesh	PROPN
bjmsr-453	175	45	journal	journal	PROPN
bjmsr-453	175	46	of	of	ADP
bjmsr-453	175	47	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	175	48	scientific	scientific	ADJ
bjmsr-453	175	49	research	research	NOUN
bjmsr-453	175	50	vol	vol	NOUN
bjmsr-453	175	51	.	.	PROPN
bjmsr-453	176	1	2	2	NUM
bjmsr-453	176	2	,	,	PUNCT
bjmsr-453	176	3	no	no	INTJ
bjmsr-453	176	4	.	.	NOUN
bjmsr-453	176	5	1	1	NUM
bjmsr-453	176	6	;	;	PUNCT
bjmsr-453	176	7	2020	2020	NUM
bjmsr-453	176	8	11	11	NUM
bjmsr-453	176	9	)	)	PUNCT
bjmsr-453	176	10	...	...	PUNCT
bjmsr-453	177	1	2,1	2,1	NUM
bjmsr-453	177	2	1	1	NUM
bjmsr-453	177	3	ki	ki	INTJ
bjmsr-453	177	4	ek	ek	PROPN
bjmsr-453	178	1	e	e	PROPN
bjmsr-453	178	2	w	w	PROPN
bjmsr-453	179	1	i	i	PRON
bjmsr-453	179	2	i	i	PRON
bjmsr-453	180	1	i	i	PRON
bjmsr-453	180	2			VERB
bjmsr-453	180	3			PUNCT
bjmsr-453	180	4			PROPN
bjmsr-453	180	5			PROPN
bjmsr-453	180	6			X
bjmsr-453	180	7	（	（	PUNCT
bjmsr-453	180	8	table	table	NOUN
bjmsr-453	180	9	12.results	12.results	NUM
bjmsr-453	180	10	of	of	ADP
bjmsr-453	180	11	entropy	entropy	PROPN
bjmsr-453	180	12	weight	weight	NOUN
bjmsr-453	180	13	method	method	NOUN
bjmsr-453	180	14	variable	variable	ADJ
bjmsr-453	180	15	variable	variable	ADJ
bjmsr-453	180	16	name	name	NOUN
bjmsr-453	180	17	weight	weight	NOUN
bjmsr-453	180	18	x1	x1	PRON
bjmsr-453	180	19	loan	loan	NOUN
bjmsr-453	180	20	date	date	NOUN
bjmsr-453	181	1	0.079153	0.079153	NUM
bjmsr-453	181	2	x2	x2	NOUN
bjmsr-453	181	3	agent	agent	NOUN
bjmsr-453	181	4	0.001991	0.001991	NUM
bjmsr-453	181	5	x3	x3	ADJ
bjmsr-453	181	6	is_local	is_local	NOUN
bjmsr-453	181	7	0.108171	0.108171	NUM
bjmsr-453	181	8	x5	x5	NOUN
bjmsr-453	181	9	edu_level	edu_level	VERB
bjmsr-453	181	10	0.394842	0.394842	NUM
bjmsr-453	181	11	x6	x6	NOUN
bjmsr-453	181	12	marry_status	marry_status	NUM
bjmsr-453	181	13	0.110361	0.110361	NOUN
bjmsr-453	181	14	x7	x7	NOUN
bjmsr-453	181	15	salary	salary	NOUN
bjmsr-453	181	16	0.042161	0.042161	NUM
bjmsr-453	181	17	x10	x10	DET
bjmsr-453	181	18	gross	gross	ADJ
bjmsr-453	181	19	domestic	domestic	ADJ
bjmsr-453	181	20	product	product	NOUN
bjmsr-453	181	21	0.022438	0.022438	NUM
bjmsr-453	181	22	x11	x11	NOUN
bjmsr-453	181	23	disposable	disposable	ADJ
bjmsr-453	181	24	income	income	NOUN
bjmsr-453	181	25	per	per	ADP
bjmsr-453	181	26	capita	capita	NOUN
bjmsr-453	181	27	0.02952	0.02952	NUM
bjmsr-453	181	28	x12	x12	NUM
bjmsr-453	181	29	per	per	ADP
bjmsr-453	181	30	capita	capita	X
bjmsr-453	181	31	consumption	consumption	NOUN
bjmsr-453	181	32	and	and	CCONJ
bjmsr-453	181	33	expenditure	expenditure	NOUN
bjmsr-453	181	34	0.035831	0.035831	NUM
bjmsr-453	181	35	x13	x13	PROPN
bjmsr-453	181	36	regional	regional	ADJ
bjmsr-453	181	37	fixed	fix	VERB
bjmsr-453	181	38	assets	asset	NOUN
bjmsr-453	181	39	and	and	CCONJ
bjmsr-453	181	40	investment	investment	NOUN
bjmsr-453	181	41	0.031807	0.031807	NUM
bjmsr-453	181	42	x14	x14	PROPN
bjmsr-453	181	43	regional	regional	ADJ
bjmsr-453	181	44	fixed	fix	VERB
bjmsr-453	181	45	-	-	PUNCT
bjmsr-453	181	46	asset	asset	NOUN
bjmsr-453	181	47	investment	investment	NOUN
bjmsr-453	181	48	index	index	NOUN
bjmsr-453	181	49	0.044339	0.044339	NUM
bjmsr-453	181	50	x15	x15	ADJ
bjmsr-453	181	51	unemployment	unemployment	NOUN
bjmsr-453	181	52	0.045766	0.045766	NUM
bjmsr-453	181	53	next	next	ADV
bjmsr-453	181	54	,	,	PUNCT
bjmsr-453	181	55	according	accord	VERB
bjmsr-453	181	56	to	to	ADP
bjmsr-453	181	57	the	the	DET
bjmsr-453	181	58	definition	definition	NOUN
bjmsr-453	181	59	of	of	ADP
bjmsr-453	181	60	the	the	DET
bjmsr-453	181	61	correlation	correlation	NOUN
bjmsr-453	181	62	matrix	matrix	NOUN
bjmsr-453	181	63	between	between	ADP
bjmsr-453	181	64	the	the	DET
bjmsr-453	181	65	credit	credit	NOUN
bjmsr-453	181	66	index	index	NOUN
bjmsr-453	181	67	and	and	CCONJ
bjmsr-453	181	68	each	each	DET
bjmsr-453	181	69	factor	factor	NOUN
bjmsr-453	181	70	,	,	PUNCT
bjmsr-453	181	71	if	if	SCONJ
bjmsr-453	181	72	the	the	DET
bjmsr-453	181	73	correlation	correlation	NOUN
bjmsr-453	181	74	coefficient	coefficient	NOUN
bjmsr-453	181	75	is	be	AUX
bjmsr-453	181	76	positive	positive	ADJ
bjmsr-453	181	77	,	,	PUNCT
bjmsr-453	181	78	then	then	ADV
bjmsr-453	181	79	the	the	DET
bjmsr-453	181	80	factor	factor	NOUN
bjmsr-453	181	81	entropy	entropy	NOUN
bjmsr-453	181	82	weight	weight	NOUN
bjmsr-453	181	83	is	be	AUX
bjmsr-453	181	84	also	also	ADV
bjmsr-453	181	85	positive	positive	ADJ
bjmsr-453	181	86	,	,	PUNCT
bjmsr-453	181	87	if	if	SCONJ
bjmsr-453	181	88	the	the	DET
bjmsr-453	181	89	correlation	correlation	NOUN
bjmsr-453	181	90	coefficient	coefficient	NOUN
bjmsr-453	181	91	is	be	AUX
bjmsr-453	181	92	negative	negative	ADJ
bjmsr-453	181	93	,	,	PUNCT
bjmsr-453	181	94	then	then	ADV
bjmsr-453	181	95	the	the	DET
bjmsr-453	181	96	factor	factor	NOUN
bjmsr-453	181	97	entropy	entropy	NOUN
bjmsr-453	181	98	weight	weight	NOUN
bjmsr-453	181	99	is	be	AUX
bjmsr-453	181	100	also	also	ADV
bjmsr-453	181	101	negative	negative	ADJ
bjmsr-453	181	102	.	.	PUNCT
bjmsr-453	182	1	table	table	NOUN
bjmsr-453	182	2	13.weighted	13.weighted	NUM
bjmsr-453	182	3	value	value	NOUN
bjmsr-453	182	4	of	of	ADP
bjmsr-453	182	5	user	user	NOUN
bjmsr-453	182	6	credit	credit	NOUN
bjmsr-453	182	7	index	index	NOUN
bjmsr-453	182	8	variable	variable	ADJ
bjmsr-453	182	9	variable	variable	ADJ
bjmsr-453	182	10	name	name	NOUN
bjmsr-453	182	11	weight	weight	NOUN
bjmsr-453	182	12	x1	x1	PRON
bjmsr-453	182	13	loan	loan	NOUN
bjmsr-453	182	14	date	date	NOUN
bjmsr-453	183	1	0.079153	0.079153	NUM
bjmsr-453	183	2	x2	x2	NOUN
bjmsr-453	183	3	agent	agent	NOUN
bjmsr-453	183	4	0.001991	0.001991	NUM
bjmsr-453	183	5	x3	x3	ADJ
bjmsr-453	183	6	is_local	is_local	NOUN
bjmsr-453	183	7	0.108171	0.108171	NUM
bjmsr-453	183	8	x5	x5	NOUN
bjmsr-453	183	9	edu_level	edu_level	VERB
bjmsr-453	183	10	0.394842	0.394842	NUM
bjmsr-453	183	11	x6	x6	NOUN
bjmsr-453	183	12	marry_status	marry_status	NUM
bjmsr-453	183	13	0.110361	0.110361	NOUN
bjmsr-453	183	14	x7	x7	NOUN
bjmsr-453	183	15	salary	salary	NOUN
bjmsr-453	183	16	0.042161	0.042161	NUM
bjmsr-453	183	17	x10	x10	DET
bjmsr-453	183	18	gross	gross	ADJ
bjmsr-453	183	19	domestic	domestic	ADJ
bjmsr-453	183	20	product	product	NOUN
bjmsr-453	183	21	0.022438	0.022438	NUM
bjmsr-453	183	22	x11	x11	NOUN
bjmsr-453	183	23	disposable	disposable	ADJ
bjmsr-453	183	24	income	income	NOUN
bjmsr-453	183	25	per	per	ADP
bjmsr-453	183	26	capita	capita	NOUN
bjmsr-453	183	27	0.02952	0.02952	NUM
bjmsr-453	183	28	x12	x12	NUM
bjmsr-453	183	29	per	per	ADP
bjmsr-453	183	30	capita	capita	X
bjmsr-453	183	31	consumption	consumption	NOUN
bjmsr-453	183	32	expenditure	expenditure	NOUN
bjmsr-453	183	33	0.035831	0.035831	NUM
bjmsr-453	183	34	x13	x13	PROPN
bjmsr-453	183	35	regional	regional	ADJ
bjmsr-453	183	36	fixed	fix	VERB
bjmsr-453	183	37	assets	asset	NOUN
bjmsr-453	183	38	investment	investment	NOUN
bjmsr-453	183	39	0.031807	0.031807	NUM
bjmsr-453	183	40	x14	x14	PROPN
bjmsr-453	183	41	regional	regional	ADJ
bjmsr-453	183	42	fixed	fix	VERB
bjmsr-453	183	43	asset	asset	NOUN
bjmsr-453	183	44	investment	investment	NOUN
bjmsr-453	183	45	index	index	NOUN
bjmsr-453	183	46	0.044339	0.044339	NUM
bjmsr-453	183	47	x15	x15	ADJ
bjmsr-453	183	48	unemployment	unemployment	NOUN
bjmsr-453	183	49	rate	rate	NOUN
bjmsr-453	183	50	0.045766	0.045766	NUM
bjmsr-453	183	51	copyright	copyright	NOUN
bjmsr-453	183	52	©	©	PROPN
bjmsr-453	183	53	cc	cc	NOUN
bjmsr-453	183	54	-	-	PUNCT
bjmsr-453	183	55	by	by	ADP
bjmsr-453	183	56	-	-	PUNCT
bjmsr-453	183	57	nc	nc	PROPN
bjmsr-453	183	58	2020	2020	NUM
bjmsr-453	183	59	,	,	PUNCT
bjmsr-453	183	60	cribfb	cribfb	PROPN
bjmsr-453	183	61	|bjmsr	|bjmsr	PROPN
bjmsr-453	183	62	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	184	1	bangladesh	bangladesh	PROPN
bjmsr-453	184	2	journal	journal	PROPN
bjmsr-453	184	3	of	of	ADP
bjmsr-453	184	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	184	5	scientific	scientific	ADJ
bjmsr-453	184	6	research	research	NOUN
bjmsr-453	184	7	vol	vol	NOUN
bjmsr-453	184	8	.	.	PROPN
bjmsr-453	185	1	2	2	NUM
bjmsr-453	185	2	,	,	PUNCT
bjmsr-453	185	3	no	no	INTJ
bjmsr-453	185	4	.	.	NOUN
bjmsr-453	185	5	1	1	NUM
bjmsr-453	185	6	;	;	PUNCT
bjmsr-453	185	7	2020	2020	NUM
bjmsr-453	185	8	12	12	NUM
bjmsr-453	185	9	5.4	5.4	NUM
bjmsr-453	185	10	logistic	logistic	ADJ
bjmsr-453	185	11	regression	regression	NOUN
bjmsr-453	185	12	-based	-base	VERB
bjmsr-453	185	13	on	on	ADP
bjmsr-453	185	14	person	person	NOUN
bjmsr-453	185	15	correlation	correlation	NOUN
bjmsr-453	185	16	coefficient	coefficient	NOUN
bjmsr-453	185	17	significance	significance	NOUN
bjmsr-453	185	18	test	test	NOUN
bjmsr-453	185	19	:	:	PUNCT
bjmsr-453	185	20	now	now	ADV
bjmsr-453	185	21	,	,	PUNCT
bjmsr-453	185	22	use	use	VERB
bjmsr-453	185	23	the	the	DET
bjmsr-453	185	24	software	software	NOUN
bjmsr-453	185	25	calculated	calculate	VERB
bjmsr-453	185	26	logistic	logistic	ADJ
bjmsr-453	185	27	regression	regression	NOUN
bjmsr-453	185	28	by	by	ADP
bjmsr-453	185	29	spss	spss	PROPN
bjmsr-453	185	30	23.0	23.0	NUM
bjmsr-453	185	31	.	.	PUNCT
bjmsr-453	186	1	the	the	DET
bjmsr-453	186	2	non	non	ADJ
bjmsr-453	186	3	-	-	ADJ
bjmsr-453	186	4	missing	missing	ADJ
bjmsr-453	186	5	value	value	NOUN
bjmsr-453	186	6	data	datum	NOUN
bjmsr-453	186	7	of	of	ADP
bjmsr-453	186	8	all	all	DET
bjmsr-453	186	9	the	the	DET
bjmsr-453	186	10	sample	sample	NOUN
bjmsr-453	186	11	data	datum	NOUN
bjmsr-453	186	12	,	,	PUNCT
bjmsr-453	186	13	including	include	VERB
bjmsr-453	186	14	the	the	DET
bjmsr-453	186	15	agent	agent	NOUN
bjmsr-453	186	16	shall	shall	AUX
bjmsr-453	186	17	be	be	AUX
bjmsr-453	186	18	included	include	VERB
bjmsr-453	186	19	in	in	ADP
bjmsr-453	186	20	the	the	DET
bjmsr-453	186	21	logistic	logistic	ADJ
bjmsr-453	186	22	binary	binary	ADJ
bjmsr-453	186	23	regression	regression	NOUN
bjmsr-453	186	24	equation	equation	NOUN
bjmsr-453	186	25	,	,	PUNCT
bjmsr-453	186	26	and	and	CCONJ
bjmsr-453	186	27	the	the	DET
bjmsr-453	186	28	logistic	logistic	ADJ
bjmsr-453	186	29	regression	regression	NOUN
bjmsr-453	186	30	shall	shall	AUX
bjmsr-453	186	31	be	be	AUX
bjmsr-453	186	32	performed	perform	VERB
bjmsr-453	186	33	again	again	ADV
bjmsr-453	186	34	after	after	ADP
bjmsr-453	186	35	the	the	DET
bjmsr-453	186	36	removal	removal	NOUN
bjmsr-453	186	37	of	of	ADP
bjmsr-453	186	38	variables	variable	NOUN
bjmsr-453	186	39	by	by	ADP
bjmsr-453	186	40	using	use	VERB
bjmsr-453	186	41	the	the	DET
bjmsr-453	186	42	conditional	conditional	ADJ
bjmsr-453	186	43	forward	forward	ADJ
bjmsr-453	186	44	method	method	NOUN
bjmsr-453	186	45	.	.	PUNCT
bjmsr-453	187	1	the	the	DET
bjmsr-453	187	2	test	test	NOUN
bjmsr-453	187	3	results	result	NOUN
bjmsr-453	187	4	are	be	AUX
bjmsr-453	187	5	shown	show	VERB
bjmsr-453	187	6	in	in	ADP
bjmsr-453	187	7	the	the	DET
bjmsr-453	187	8	table	table	NOUN
bjmsr-453	187	9	14	14	NUM
bjmsr-453	187	10	.	.	PUNCT
bjmsr-453	187	11	table	table	NOUN
bjmsr-453	187	12	14.significance	14.significance	NUM
bjmsr-453	187	13	test	test	NOUN
bjmsr-453	187	14	variable	variable	ADJ
bjmsr-453	187	15	variable	variable	ADJ
bjmsr-453	187	16	name	name	NOUN
bjmsr-453	187	17	b	b	PROPN
bjmsr-453	187	18	s.e	s.e	PROPN
bjmsr-453	187	19	wald	wald	PROPN
bjmsr-453	187	20	sig	sig	NOUN
bjmsr-453	187	21	exp	exp	NOUN
bjmsr-453	187	22	(	(	PUNCT
bjmsr-453	187	23	b	b	NOUN
bjmsr-453	187	24	)	)	PUNCT
bjmsr-453	187	25	x1	x1	PROPN
bjmsr-453	187	26	loan	loan	NOUN
bjmsr-453	187	27	date	date	NOUN
bjmsr-453	187	28	5.5.316	5.5.316	PROPN
bjmsr-453	187	29	417	417	NUM
bjmsr-453	187	30	16162.631	16162.631	NUM
bjmsr-453	187	31	1	1	NUM
bjmsr-453	187	32	.000	.000	NUM
bjmsr-453	187	33	x2	x2	ADJ
bjmsr-453	187	34	agent	agent	NOUN
bjmsr-453	187	35	512.998	512.998	NUM
bjmsr-453	187	36	28.092	28.092	NUM
bjmsr-453	187	37	13333.482	13333.482	NUM
bjmsr-453	187	38	1	1	NUM
bjmsr-453	187	39	.000	.000	NUM
bjmsr-453	187	40	x5	x5	PROPN
bjmsr-453	187	41	edu	edu	PROPN
bjmsr-453	187	42	level	level	NOUN
bjmsr-453	187	43	-.967	-.967	PROPN
bjmsr-453	187	44	374	374	NUM
bjmsr-453	187	45	6.699	6.699	NUM
bjmsr-453	187	46	1	1	NUM
bjmsr-453	187	47	.010	.010	NUM
bjmsr-453	187	48	x7	x7	NOUN
bjmsr-453	187	49	salary	salary	NOUN
bjmsr-453	187	50	2.2.491	2.2.491	NUM
bjmsr-453	187	51	1.136	1.136	NUM
bjmsr-453	187	52	4.810	4.810	NUM
bjmsr-453	187	53	1	1	NUM
bjmsr-453	187	54	.028	.028	NUM
bjmsr-453	187	55	x10	x10	PRON
bjmsr-453	187	56	gross	gross	ADJ
bjmsr-453	187	57	domestic	domestic	ADJ
bjmsr-453	187	58	product	product	NOUN
bjmsr-453	187	59	4.405	4.405	NUM
bjmsr-453	187	60	.947	.947	NUM
bjmsr-453	187	61	21.639	21.639	NUM
bjmsr-453	187	62	1	1	NUM
bjmsr-453	187	63	.000	.000	NUM
bjmsr-453	187	64	x11	x11	NOUN
bjmsr-453	187	65	disposable	disposable	ADJ
bjmsr-453	187	66	income	income	NOUN
bjmsr-453	187	67	per	per	ADP
bjmsr-453	187	68	capita	capita	X
bjmsr-453	187	69	18.979	18.979	NUM
bjmsr-453	187	70	1.557	1.557	NUM
bjmsr-453	187	71	148.512	148.512	NUM
bjmsr-453	187	72	1	1	NUM
bjmsr-453	187	73	.000	.000	NUM
bjmsr-453	187	74	x12	x12	NUM
bjmsr-453	187	75	per	per	ADP
bjmsr-453	187	76	capita	capita	X
bjmsr-453	187	77	consumption	consumption	NOUN
bjmsr-453	187	78	expenditure	expenditure	NOUN
bjmsr-453	187	79	15.616	15.616	NUM
bjmsr-453	187	80	1.325	1.325	NUM
bjmsr-453	187	81	138.841	138.841	NUM
bjmsr-453	187	82	1	1	NUM
bjmsr-453	187	83	.000	.000	NUM
bjmsr-453	187	84	x13	x13	PROPN
bjmsr-453	187	85	regional	regional	ADJ
bjmsr-453	187	86	fixed	fix	VERB
bjmsr-453	187	87	assets	asset	NOUN
bjmsr-453	187	88	investment	investment	NOUN
bjmsr-453	187	89	1.802	1.802	NUM
bjmsr-453	187	90	.563	.563	NUM
bjmsr-453	187	91	10.255	10.255	NUM
bjmsr-453	187	92	1	1	NUM
bjmsr-453	187	93	.001	.001	NUM
bjmsr-453	187	94	x14	x14	PROPN
bjmsr-453	187	95	regional	regional	ADJ
bjmsr-453	187	96	fixed	fix	VERB
bjmsr-453	187	97	asset	asset	NOUN
bjmsr-453	187	98	investment	investment	NOUN
bjmsr-453	187	99	index	index	NOUN
bjmsr-453	187	100	10.652	10.652	NUM
bjmsr-453	187	101	.633	.633	NUM
bjmsr-453	187	102	283.180	283.180	NUM
bjmsr-453	187	103	1	1	NUM
bjmsr-453	187	104	.000	.000	NUM
bjmsr-453	187	105	x15	x15	NUM
bjmsr-453	187	106	unemployment	unemployment	NOUN
bjmsr-453	187	107	2.470	2.470	NUM
bjmsr-453	187	108	.519	.519	NUM
bjmsr-453	187	109	22.665	22.665	NUM
bjmsr-453	187	110	1	1	NUM
bjmsr-453	187	111	.000	.000	NUM
bjmsr-453	187	112	y	y	PROPN
bjmsr-453	187	113	constant	constant	ADJ
bjmsr-453	187	114	10.470	10.470	NUM
bjmsr-453	187	115	.601	.601	NUM
bjmsr-453	187	116	303.975	303.975	NUM
bjmsr-453	187	117	1	1	NUM
bjmsr-453	187	118	10,000	10,000	NUM
bjmsr-453	187	119	after	after	ADP
bjmsr-453	187	120	gradually	gradually	ADV
bjmsr-453	187	121	removing	remove	VERB
bjmsr-453	187	122	the	the	DET
bjmsr-453	187	123	non	non	ADJ
bjmsr-453	187	124	-	-	ADJ
bjmsr-453	187	125	significant	significant	ADJ
bjmsr-453	187	126	variables	variable	NOUN
bjmsr-453	187	127	,	,	PUNCT
bjmsr-453	187	128	the	the	DET
bjmsr-453	187	129	regression	regression	NOUN
bjmsr-453	187	130	results	result	NOUN
bjmsr-453	187	131	are	be	AUX
bjmsr-453	187	132	obtained	obtain	VERB
bjmsr-453	187	133	.	.	PUNCT
bjmsr-453	188	1	see	see	VERB
bjmsr-453	188	2	table	table	NOUN
bjmsr-453	188	3	14	14	NUM
bjmsr-453	188	4	.	.	PUNCT
bjmsr-453	189	1	it	it	PRON
bjmsr-453	189	2	can	can	AUX
bjmsr-453	189	3	be	be	AUX
bjmsr-453	189	4	seen	see	VERB
bjmsr-453	189	5	that	that	SCONJ
bjmsr-453	189	6	these	these	DET
bjmsr-453	189	7	explanatory	explanatory	ADJ
bjmsr-453	189	8	variables	variable	NOUN
bjmsr-453	189	9	in	in	ADP
bjmsr-453	189	10	the	the	DET
bjmsr-453	189	11	table	table	NOUN
bjmsr-453	189	12	have	have	VERB
bjmsr-453	189	13	a	a	DET
bjmsr-453	189	14	robust	robust	ADJ
bjmsr-453	189	15	explanatory	explanatory	ADJ
bjmsr-453	189	16	effect	effect	NOUN
bjmsr-453	189	17	on	on	ADP
bjmsr-453	189	18	the	the	DET
bjmsr-453	189	19	explained	explain	VERB
bjmsr-453	189	20	variables	variable	NOUN
bjmsr-453	189	21	so	so	SCONJ
bjmsr-453	189	22	that	that	SCONJ
bjmsr-453	189	23	they	they	PRON
bjmsr-453	189	24	can	can	AUX
bjmsr-453	189	25	be	be	AUX
bjmsr-453	189	26	retained	retain	VERB
bjmsr-453	189	27	in	in	ADP
bjmsr-453	189	28	the	the	DET
bjmsr-453	189	29	model	model	NOUN
bjmsr-453	189	30	.	.	PUNCT
bjmsr-453	190	1	it	it	PRON
bjmsr-453	190	2	can	can	AUX
bjmsr-453	190	3	also	also	ADV
bjmsr-453	190	4	be	be	AUX
bjmsr-453	190	5	judged	judge	VERB
bjmsr-453	190	6	from	from	ADP
bjmsr-453	190	7	the	the	DET
bjmsr-453	190	8	previous	previous	ADJ
bjmsr-453	190	9	multicollinearity	multicollinearity	NOUN
bjmsr-453	190	10	test	test	NOUN
bjmsr-453	190	11	results	result	NOUN
bjmsr-453	190	12	that	that	SCONJ
bjmsr-453	190	13	these	these	DET
bjmsr-453	190	14	variables	variable	NOUN
bjmsr-453	190	15	do	do	AUX
bjmsr-453	190	16	not	not	PART
bjmsr-453	190	17	have	have	VERB
bjmsr-453	190	18	multicollinearity	multicollinearity	NOUN
bjmsr-453	190	19	,	,	PUNCT
bjmsr-453	190	20	and	and	CCONJ
bjmsr-453	190	21	the	the	DET
bjmsr-453	190	22	tolerance	tolerance	NOUN
bjmsr-453	190	23	between	between	ADP
bjmsr-453	190	24	the	the	DET
bjmsr-453	190	25	variables	variable	NOUN
bjmsr-453	190	26	is	be	AUX
bjmsr-453	190	27	relatively	relatively	ADV
bjmsr-453	190	28	high	high	ADJ
bjmsr-453	190	29	,	,	PUNCT
bjmsr-453	190	30	which	which	PRON
bjmsr-453	190	31	will	will	AUX
bjmsr-453	190	32	not	not	PART
bjmsr-453	190	33	have	have	VERB
bjmsr-453	190	34	a	a	DET
bjmsr-453	190	35	significant	significant	ADJ
bjmsr-453	190	36	impact	impact	NOUN
bjmsr-453	190	37	on	on	ADP
bjmsr-453	190	38	the	the	DET
bjmsr-453	190	39	accuracy	accuracy	NOUN
bjmsr-453	190	40	of	of	ADP
bjmsr-453	190	41	the	the	DET
bjmsr-453	190	42	parameter	parameter	NOUN
bjmsr-453	190	43	estimation	estimation	NOUN
bjmsr-453	190	44	results	result	NOUN
bjmsr-453	190	45	of	of	ADP
bjmsr-453	190	46	the	the	DET
bjmsr-453	190	47	regression	regression	NOUN
bjmsr-453	190	48	model	model	NOUN
bjmsr-453	190	49	.	.	PUNCT
bjmsr-453	191	1	table	table	NOUN
bjmsr-453	191	2	15.likelihood	15.likelihood	NUM
bjmsr-453	191	3	ratio	ratio	NOUN
bjmsr-453	191	4	test	test	NOUN
bjmsr-453	191	5	step	step	NOUN
bjmsr-453	191	6	-2	-2	INTJ
bjmsr-453	191	7	logarithmic	logarithmic	ADJ
bjmsr-453	191	8	likelihood	likelihood	NOUN
bjmsr-453	191	9	value	value	NOUN
bjmsr-453	191	10	cox	cox	PROPN
bjmsr-453	191	11	snell	snell	PROPN
bjmsr-453	191	12	r	r	PROPN
bjmsr-453	191	13	square	square	PROPN
bjmsr-453	191	14	nagelkerke	nagelkerke	PROPN
bjmsr-453	191	15	r	r	NOUN
bjmsr-453	191	16	square	square	NOUN
bjmsr-453	191	17	10	10	NUM
bjmsr-453	191	18	3140.094	3140.094	NUM
bjmsr-453	191	19	b	b	NOUN
bjmsr-453	191	20	.176	.176	NUM
bjmsr-453	191	21	.337	.337	NUM
bjmsr-453	191	22	according	accord	VERB
bjmsr-453	191	23	to	to	ADP
bjmsr-453	191	24	the	the	DET
bjmsr-453	191	25	estimation	estimation	NOUN
bjmsr-453	191	26	results	result	NOUN
bjmsr-453	191	27	,	,	PUNCT
bjmsr-453	191	28	in	in	ADP
bjmsr-453	191	29	table	table	NOUN
bjmsr-453	191	30	15	15	NUM
bjmsr-453	191	31	,	,	PUNCT
bjmsr-453	191	32	and	and	CCONJ
bjmsr-453	191	33	the	the	PRON
bjmsr-453	191	34	smaller	small	ADJ
bjmsr-453	191	35	the	the	DET
bjmsr-453	191	36	2log	2log	NOUN
bjmsr-453	191	37	-	-	PUNCT
bjmsr-453	191	38	likelihood	likelihood	NOUN
bjmsr-453	191	39	,	,	PUNCT
bjmsr-453	191	40	the	the	PRON
bjmsr-453	191	41	higher	high	ADJ
bjmsr-453	191	42	the	the	DET
bjmsr-453	191	43	value	value	NOUN
bjmsr-453	191	44	of	of	ADP
bjmsr-453	191	45	cox	cox	PROPN
bjmsr-453	191	46	snell	snell	PROPN
bjmsr-453	191	47	r	r	PROPN
bjmsr-453	191	48	square	square	ADJ
bjmsr-453	191	49	and	and	CCONJ
bjmsr-453	191	50	nagelkerke	nagelkerke	PROPN
bjmsr-453	191	51	r	r	PROPN
bjmsr-453	191	52	square	square	NOUN
bjmsr-453	191	53	,	,	PUNCT
bjmsr-453	191	54	and	and	CCONJ
bjmsr-453	191	55	thus	thus	ADV
bjmsr-453	191	56	the	the	DET
bjmsr-453	191	57	better	well	ADJ
bjmsr-453	191	58	fit	fit	NOUN
bjmsr-453	191	59	of	of	ADP
bjmsr-453	191	60	this	this	DET
bjmsr-453	191	61	model	model	NOUN
bjmsr-453	191	62	.	.	PUNCT
bjmsr-453	192	1	table	table	NOUN
bjmsr-453	192	2	16.hosmer	16.hosmer	NUM
bjmsr-453	192	3	-	-	PUNCT
bjmsr-453	192	4	lemeshow	lemeshow	NOUN
bjmsr-453	192	5	inspection	inspection	NOUN
bjmsr-453	192	6	step	step	NOUN
bjmsr-453	192	7	chi	chi	ADJ
bjmsr-453	192	8	-	-	PUNCT
bjmsr-453	192	9	square	square	ADJ
bjmsr-453	192	10	df	df	PROPN
bjmsr-453	192	11	sig	sig	NOUN
bjmsr-453	192	12	.	.	PUNCT
bjmsr-453	193	1	10	10	NUM
bjmsr-453	193	2	89.960	89.960	NUM
bjmsr-453	193	3	8	8	NUM
bjmsr-453	193	4	.000	.000	NUM
bjmsr-453	193	5	copyright	copyright	NOUN
bjmsr-453	193	6	©	©	PROPN
bjmsr-453	193	7	cc	cc	PROPN
bjmsr-453	193	8	-	-	PUNCT
bjmsr-453	193	9	by	by	ADP
bjmsr-453	193	10	-	-	PUNCT
bjmsr-453	193	11	nc	nc	PROPN
bjmsr-453	193	12	2020	2020	NUM
bjmsr-453	193	13	,	,	PUNCT
bjmsr-453	193	14	cribfb	cribfb	PROPN
bjmsr-453	193	15	|bjmsr	|bjmsr	PROPN
bjmsr-453	193	16	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	194	1	bangladesh	bangladesh	PROPN
bjmsr-453	194	2	journal	journal	PROPN
bjmsr-453	194	3	of	of	ADP
bjmsr-453	194	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	194	5	scientific	scientific	ADJ
bjmsr-453	194	6	research	research	NOUN
bjmsr-453	194	7	vol	vol	NOUN
bjmsr-453	194	8	.	.	PROPN
bjmsr-453	195	1	2	2	NUM
bjmsr-453	195	2	,	,	PUNCT
bjmsr-453	195	3	no	no	INTJ
bjmsr-453	195	4	.	.	NOUN
bjmsr-453	195	5	1	1	NUM
bjmsr-453	195	6	;	;	PUNCT
bjmsr-453	195	7	2020	2020	NUM
bjmsr-453	195	8	13	13	NUM
bjmsr-453	195	9	the	the	DET
bjmsr-453	195	10	overall	overall	ADJ
bjmsr-453	195	11	situation	situation	NOUN
bjmsr-453	195	12	of	of	ADP
bjmsr-453	195	13	the	the	DET
bjmsr-453	195	14	significance	significance	NOUN
bjmsr-453	195	15	test	test	NOUN
bjmsr-453	195	16	of	of	ADP
bjmsr-453	195	17	the	the	DET
bjmsr-453	195	18	regression	regression	NOUN
bjmsr-453	195	19	equation	equation	NOUN
bjmsr-453	195	20	is	be	AUX
bjmsr-453	195	21	shown	show	VERB
bjmsr-453	195	22	in	in	ADP
bjmsr-453	195	23	table	table	NOUN
bjmsr-453	195	24	16	16	NUM
bjmsr-453	195	25	.	.	PUNCT
bjmsr-453	196	1	for	for	ADP
bjmsr-453	196	2	logistic	logistic	ADJ
bjmsr-453	196	3	analysis	analysis	NOUN
bjmsr-453	196	4	,	,	PUNCT
bjmsr-453	196	5	the	the	DET
bjmsr-453	196	6	chi	chi	NOUN
bjmsr-453	196	7	-	-	PUNCT
bjmsr-453	196	8	square	square	NOUN
bjmsr-453	196	9	of	of	ADP
bjmsr-453	196	10	the	the	DET
bjmsr-453	196	11	hosmer	hosmer	NOUN
bjmsr-453	196	12	-	-	PUNCT
bjmsr-453	196	13	leme	leme	PROPN
bjmsr-453	196	14	show	show	NOUN
bjmsr-453	196	15	goodness	goodness	NOUN
bjmsr-453	196	16	-	-	PUNCT
bjmsr-453	196	17	of	of	ADP
bjmsr-453	196	18	-	-	PUNCT
bjmsr-453	196	19	fit	fit	ADJ
bjmsr-453	196	20	test	test	NOUN
bjmsr-453	196	21	was	be	AUX
bjmsr-453	196	22	89.960	89.960	NUM
bjmsr-453	196	23	,	,	PUNCT
bjmsr-453	196	24	and	and	CCONJ
bjmsr-453	196	25	the	the	DET
bjmsr-453	196	26	probability	probability	NOUN
bjmsr-453	196	27	p	p	NOUN
bjmsr-453	196	28	-	-	PUNCT
bjmsr-453	196	29	value	value	NOUN
bjmsr-453	196	30	significance	significance	NOUN
bjmsr-453	196	31	level	level	NOUN
bjmsr-453	196	32	was	be	AUX
bjmsr-453	196	33	less	less	ADJ
bjmsr-453	196	34	than	than	ADP
bjmsr-453	196	35	0.05	0.05	NUM
bjmsr-453	196	36	,	,	PUNCT
bjmsr-453	196	37	so	so	CCONJ
bjmsr-453	196	38	the	the	DET
bjmsr-453	196	39	goodness	goodness	NOUN
bjmsr-453	196	40	-	-	PUNCT
bjmsr-453	196	41	of	of	ADP
bjmsr-453	196	42	-	-	PUNCT
bjmsr-453	196	43	fit	fit	NOUN
bjmsr-453	196	44	between	between	ADP
bjmsr-453	196	45	explanatory	explanatory	ADJ
bjmsr-453	196	46	variables	variable	NOUN
bjmsr-453	196	47	and	and	CCONJ
bjmsr-453	196	48	logit	logit	PROPN
bjmsr-453	196	49	(	(	PUNCT
bjmsr-453	196	50	p	p	NOUN
bjmsr-453	196	51	)	)	PUNCT
bjmsr-453	196	52	was	be	AUX
bjmsr-453	196	53	significant	significant	ADJ
bjmsr-453	196	54	,	,	PUNCT
bjmsr-453	196	55	hence	hence	ADV
bjmsr-453	196	56	the	the	DET
bjmsr-453	196	57	model	model	NOUN
bjmsr-453	196	58	was	be	AUX
bjmsr-453	196	59	reasonable	reasonable	ADJ
bjmsr-453	196	60	.	.	PUNCT
bjmsr-453	197	1	5.5	5.5	NUM
bjmsr-453	197	2	establish	establish	VERB
bjmsr-453	197	3	a	a	DET
bjmsr-453	197	4	personal	personal	ADJ
bjmsr-453	197	5	risk	risk	NOUN
bjmsr-453	197	6	assessment	assessment	NOUN
bjmsr-453	197	7	model	model	NOUN
bjmsr-453	197	8	the	the	DET
bjmsr-453	197	9	logistic	logistic	ADJ
bjmsr-453	197	10	regression	regression	NOUN
bjmsr-453	197	11	model	model	NOUN
bjmsr-453	197	12	can	can	AUX
bjmsr-453	197	13	be	be	AUX
bjmsr-453	197	14	expressed	express	VERB
bjmsr-453	197	15	as	as	ADP
bjmsr-453	197	16	:	:	PUNCT
bjmsr-453	197	17	mm11	mm11	PROPN
bjmsr-453	197	18	x	x	SYM
bjmsr-453	197	19	...	...	PUNCT
bjmsr-453	197	20	x	x	SYM
bjmsr-453	197	21	1	1	NUM
bjmsr-453	197	22	lnlog	lnlog	NOUN
bjmsr-453	197	23			PROPN
bjmsr-453	197	24			VERB
bjmsr-453	197	25			PROPN
bjmsr-453	197	26			PROPN
bjmsr-453	197	27	p	p	X
bjmsr-453	197	28	p	p	NOUN
bjmsr-453	197	29	it(p	it(p	NOUN
bjmsr-453	197	30	)	)	PUNCT
bjmsr-453	197	31	15	15	NUM
bjmsr-453	197	32	141312	141312	NUM
bjmsr-453	197	33	11107	11107	NUM
bjmsr-453	197	34	521	521	NUM
bjmsr-453	197	35	47020457660	47020457660	NUM
bjmsr-453	197	36	65210044339080210318070616150358310	65210044339080210318070616150358310	NUM
bjmsr-453	197	37	979180295204054022438049120421610	979180295204054022438049120421610	NUM
bjmsr-453	197	38	9670394842099851200199103165079153047010)(lo	9670394842099851200199103165079153047010)(lo	NUM
bjmsr-453	197	39	x.	x.	NOUN
bjmsr-453	197	40	*	*	NOUN
bjmsr-453	197	41	.	.	PUNCT
bjmsr-453	198	1	+	+	ADJ
bjmsr-453	199	1	x.*.-x.*.-x	x.*.-x.*.-x	PROPN
bjmsr-453	199	2	.	.	PUNCT
bjmsr-453	200	1	*	*	PUNCT
bjmsr-453	200	2	.	.	PUNCT
bjmsr-453	201	1	-x.*.+x.*.-x	-x.*.+x.*.-x	INTJ
bjmsr-453	201	2	.	.	PUNCT
bjmsr-453	202	1	*	*	PUNCT
bjmsr-453	202	2	.	.	PUNCT
bjmsr-453	202	3	-x.*.-x.*.-x.*.-.=pgit	-x.*.-x.*.-x.*.-.=pgit	PUNCT
bjmsr-453	202	4	according	accord	VERB
bjmsr-453	202	5	to	to	ADP
bjmsr-453	202	6	this	this	DET
bjmsr-453	202	7	logistic	logistic	ADJ
bjmsr-453	202	8	regression	regression	NOUN
bjmsr-453	202	9	test	test	NOUN
bjmsr-453	202	10	,	,	PUNCT
bjmsr-453	202	11	the	the	DET
bjmsr-453	202	12	results	result	NOUN
bjmsr-453	202	13	of	of	ADP
bjmsr-453	202	14	spss	spss	ADJ
bjmsr-453	202	15	23.0	23.0	NUM
bjmsr-453	202	16	table	table	NOUN
bjmsr-453	202	17	17.logistic	17.logistic	NUM
bjmsr-453	202	18	regression	regression	NOUN
bjmsr-453	202	19	test	test	NOUN
bjmsr-453	202	20	results	result	VERB
bjmsr-453	202	21	original	original	ADJ
bjmsr-453	202	22	result	result	NOUN
bjmsr-453	202	23	training	training	NOUN
bjmsr-453	202	24	results	result	NOUN
bjmsr-453	202	25	training	training	NOUN
bjmsr-453	202	26	accuracy	accuracy	NOUN
bjmsr-453	202	27	0	0	NUM
bjmsr-453	202	28	1	1	NUM
bjmsr-453	202	29	0	0	NUM
bjmsr-453	202	30	5077	5077	NUM
bjmsr-453	202	31	5001	5001	NUM
bjmsr-453	202	32	76	76	NUM
bjmsr-453	202	33	98.5	98.5	NUM
bjmsr-453	202	34	%	%	NOUN
bjmsr-453	202	35	1	1	NUM
bjmsr-453	202	36	698	698	NUM
bjmsr-453	202	37	535	535	NUM
bjmsr-453	202	38	163	163	NUM
bjmsr-453	202	39	23.4	23.4	NUM
bjmsr-453	202	40	%	%	NOUN
bjmsr-453	202	41	overall	overall	ADJ
bjmsr-453	202	42	accuracy	accuracy	NOUN
bjmsr-453	202	43	:	:	PUNCT
bjmsr-453	202	44	89.4	89.4	NUM
bjmsr-453	202	45	%	%	NOUN
bjmsr-453	202	46	as	as	SCONJ
bjmsr-453	202	47	can	can	AUX
bjmsr-453	202	48	be	be	AUX
bjmsr-453	202	49	seen	see	VERB
bjmsr-453	202	50	from	from	ADP
bjmsr-453	202	51	table	table	NOUN
bjmsr-453	202	52	17	17	NUM
bjmsr-453	202	53	,	,	PUNCT
bjmsr-453	202	54	in	in	ADP
bjmsr-453	202	55	this	this	DET
bjmsr-453	202	56	paper	paper	NOUN
bjmsr-453	202	57	,	,	PUNCT
bjmsr-453	202	58	the	the	DET
bjmsr-453	202	59	average	average	ADJ
bjmsr-453	202	60	forecast	forecast	NOUN
bjmsr-453	202	61	accuracy	accuracy	NOUN
bjmsr-453	202	62	is	be	AUX
bjmsr-453	202	63	89.4	89.4	NUM
bjmsr-453	202	64	%	%	NOUN
bjmsr-453	202	65	,	,	PUNCT
bjmsr-453	202	66	of	of	ADP
bjmsr-453	202	67	which	which	PRON
bjmsr-453	202	68	the	the	DET
bjmsr-453	202	69	forecast	forecast	NOUN
bjmsr-453	202	70	accuracy	accuracy	NOUN
bjmsr-453	202	71	is	be	AUX
bjmsr-453	202	72	23.4	23.4	NUM
bjmsr-453	202	73	%	%	NOUN
bjmsr-453	202	74	for	for	ADP
bjmsr-453	202	75	deferred	deferred	ADJ
bjmsr-453	202	76	repayments	repayment	NOUN
bjmsr-453	202	77	and	and	CCONJ
bjmsr-453	202	78	98.5	98.5	NUM
bjmsr-453	202	79	%	%	NOUN
bjmsr-453	202	80	for	for	ADP
bjmsr-453	202	81	on	on	ADP
bjmsr-453	202	82	-	-	PUNCT
bjmsr-453	202	83	time	time	NOUN
bjmsr-453	202	84	repayments	repayment	NOUN
bjmsr-453	202	85	.	.	PUNCT
bjmsr-453	203	1	the	the	DET
bjmsr-453	203	2	model	model	NOUN
bjmsr-453	203	3	has	have	VERB
bjmsr-453	203	4	high	high	ADJ
bjmsr-453	203	5	accuracy	accuracy	NOUN
bjmsr-453	203	6	in	in	ADP
bjmsr-453	203	7	predicting	predict	VERB
bjmsr-453	203	8	customers	customer	NOUN
bjmsr-453	203	9	'	'	PART
bjmsr-453	203	10	non	non	ADJ
bjmsr-453	203	11	-	-	ADJ
bjmsr-453	203	12	deferred	deferred	ADJ
bjmsr-453	203	13	repayment	repayment	NOUN
bjmsr-453	203	14	,	,	PUNCT
bjmsr-453	203	15	while	while	SCONJ
bjmsr-453	203	16	the	the	DET
bjmsr-453	203	17	accuracy	accuracy	NOUN
bjmsr-453	203	18	of	of	ADP
bjmsr-453	203	19	judging	judge	VERB
bjmsr-453	203	20	customers	customer	NOUN
bjmsr-453	203	21	'	'	PART
bjmsr-453	203	22	deferred	deferred	ADJ
bjmsr-453	203	23	repayment	repayment	NOUN
bjmsr-453	203	24	is	be	AUX
bjmsr-453	203	25	very	very	ADV
bjmsr-453	203	26	low	low	ADJ
bjmsr-453	203	27	.	.	PUNCT
bjmsr-453	204	1	therefore	therefore	ADV
bjmsr-453	204	2	,	,	PUNCT
bjmsr-453	204	3	further	further	ADJ
bjmsr-453	204	4	tests	test	NOUN
bjmsr-453	204	5	are	be	AUX
bjmsr-453	204	6	needed	need	VERB
bjmsr-453	204	7	to	to	PART
bjmsr-453	204	8	determine	determine	VERB
bjmsr-453	204	9	the	the	DET
bjmsr-453	204	10	accuracy	accuracy	NOUN
bjmsr-453	204	11	of	of	ADP
bjmsr-453	204	12	deferred	deferred	ADJ
bjmsr-453	204	13	repayment	repayment	NOUN
bjmsr-453	204	14	and	and	CCONJ
bjmsr-453	204	15	on	on	ADP
bjmsr-453	204	16	-	-	PUNCT
bjmsr-453	204	17	time	time	NOUN
bjmsr-453	204	18	repayment	repayment	NOUN
bjmsr-453	204	19	.	.	PUNCT
bjmsr-453	205	1	5.6	5.6	NUM
bjmsr-453	205	2	summary	summary	NOUN
bjmsr-453	205	3	and	and	CCONJ
bjmsr-453	205	4	prediction	prediction	NOUN
bjmsr-453	205	5	impact	impact	NOUN
bjmsr-453	205	6	of	of	ADP
bjmsr-453	205	7	variable	variable	ADJ
bjmsr-453	205	8	screening	screening	NOUN
bjmsr-453	205	9	on	on	ADP
bjmsr-453	205	10	the	the	DET
bjmsr-453	205	11	model	model	NOUN
bjmsr-453	205	12	:	:	PUNCT
bjmsr-453	205	13	in	in	ADP
bjmsr-453	205	14	this	this	DET
bjmsr-453	205	15	chapter	chapter	NOUN
bjmsr-453	205	16	,	,	PUNCT
bjmsr-453	205	17	the	the	DET
bjmsr-453	205	18	variables	variable	NOUN
bjmsr-453	205	19	are	be	AUX
bjmsr-453	205	20	first	first	ADV
bjmsr-453	205	21	screened	screen	VERB
bjmsr-453	205	22	by	by	ADP
bjmsr-453	205	23	the	the	DET
bjmsr-453	205	24	person	person	NOUN
bjmsr-453	205	25	correlation	correlation	NOUN
bjmsr-453	205	26	coefficient	coefficient	NOUN
bjmsr-453	205	27	test	test	NOUN
bjmsr-453	205	28	,	,	PUNCT
bjmsr-453	205	29	and	and	CCONJ
bjmsr-453	205	30	then	then	ADV
bjmsr-453	205	31	the	the	DET
bjmsr-453	205	32	judgment	judgment	NOUN
bjmsr-453	205	33	accuracy	accuracy	NOUN
bjmsr-453	205	34	of	of	ADP
bjmsr-453	205	35	each	each	DET
bjmsr-453	205	36	model	model	NOUN
bjmsr-453	205	37	is	be	AUX
bjmsr-453	205	38	analyzed	analyze	VERB
bjmsr-453	205	39	.	.	PUNCT
bjmsr-453	206	1	finding	finding	NOUN
bjmsr-453	206	2	of	of	ADP
bjmsr-453	206	3	comparison	comparison	NOUN
bjmsr-453	206	4	of	of	ADP
bjmsr-453	206	5	models	model	NOUN
bjmsr-453	206	6	:	:	PUNCT
bjmsr-453	206	7	by	by	ADP
bjmsr-453	206	8	the	the	DET
bjmsr-453	206	9	detection	detection	NOUN
bjmsr-453	206	10	of	of	ADP
bjmsr-453	206	11	the	the	DET
bjmsr-453	206	12	three	three	NUM
bjmsr-453	206	13	models	model	NOUN
bjmsr-453	206	14	described	describe	VERB
bjmsr-453	206	15	above	above	ADV
bjmsr-453	206	16	.	.	PUNCT
bjmsr-453	207	1	a	a	DET
bjmsr-453	207	2	summary	summary	NOUN
bjmsr-453	207	3	of	of	ADP
bjmsr-453	207	4	the	the	DET
bjmsr-453	207	5	predictive	predictive	ADJ
bjmsr-453	207	6	accuracy	accuracy	NOUN
bjmsr-453	207	7	of	of	ADP
bjmsr-453	207	8	each	each	DET
bjmsr-453	207	9	model	model	NOUN
bjmsr-453	207	10	was	be	AUX
bjmsr-453	207	11	obtained	obtain	VERB
bjmsr-453	207	12	,	,	PUNCT
bjmsr-453	207	13	see	see	VERB
bjmsr-453	207	14	table	table	NOUN
bjmsr-453	207	15	18	18	NUM
bjmsr-453	207	16	.	.	PUNCT
bjmsr-453	207	17	table	table	NOUN
bjmsr-453	207	18	18	18	NUM
bjmsr-453	207	19	.	.	PUNCT
bjmsr-453	207	20	prediction	prediction	NOUN
bjmsr-453	207	21	accuracy	accuracy	NOUN
bjmsr-453	207	22	of	of	ADP
bjmsr-453	207	23	each	each	DET
bjmsr-453	207	24	model	model	NOUN
bjmsr-453	207	25	model	model	NOUN
bjmsr-453	207	26	name	name	NOUN
bjmsr-453	207	27	performance	performance	NOUN
bjmsr-453	207	28	accuracy	accuracy	NOUN
bjmsr-453	207	29	rate	rate	NOUN
bjmsr-453	207	30	:	:	PUNCT
bjmsr-453	207	31	0	0	NUM
bjmsr-453	207	32	total	total	ADJ
bjmsr-453	207	33	accuracy	accuracy	NOUN
bjmsr-453	207	34	1	1	NUM
bjmsr-453	207	35	breach	breach	NOUN
bjmsr-453	207	36	correct	correct	ADJ
bjmsr-453	207	37	random	random	ADJ
bjmsr-453	207	38	forest	forest	NOUN
bjmsr-453	207	39	97.7	97.7	NUM
bjmsr-453	207	40	%	%	NOUN
bjmsr-453	207	41	94.1	94.1	NUM
bjmsr-453	207	42	%	%	NOUN
bjmsr-453	207	43	67.9	67.9	NUM
bjmsr-453	207	44	%	%	NOUN
bjmsr-453	207	45	discriminate	discriminate	VERB
bjmsr-453	207	46	analysis	analysis	NOUN
bjmsr-453	207	47	80.9	80.9	NUM
bjmsr-453	207	48	%	%	NOUN
bjmsr-453	207	49	78.7	78.7	NUM
bjmsr-453	207	50	%	%	NOUN
bjmsr-453	207	51	78.1	78.1	NUM
bjmsr-453	207	52	%	%	NOUN
bjmsr-453	207	53	logistic	logistic	ADJ
bjmsr-453	207	54	98.5	98.5	NUM
bjmsr-453	207	55	%	%	NOUN
bjmsr-453	207	56	89.4	89.4	NUM
bjmsr-453	207	57	%	%	NOUN
bjmsr-453	207	58	23.4	23.4	NUM
bjmsr-453	207	59	%	%	NOUN
bjmsr-453	207	60	no	no	DET
bjmsr-453	207	61	overdue	overdue	ADJ
bjmsr-453	207	62	payments	payment	NOUN
bjmsr-453	207	63	record	record	NOUN
bjmsr-453	207	64	documented	document	VERB
bjmsr-453	207	65	dataset	dataset	NOUN
bjmsr-453	207	66	of	of	ADP
bjmsr-453	207	67	samples	sample	NOUN
bjmsr-453	207	68	in	in	ADP
bjmsr-453	207	69	this	this	DET
bjmsr-453	207	70	paper	paper	NOUN
bjmsr-453	207	71	,	,	PUNCT
bjmsr-453	207	72	and	and	CCONJ
bjmsr-453	207	73	this	this	DET
bjmsr-453	207	74	chapter	chapter	NOUN
bjmsr-453	207	75	tend	tend	VERB
bjmsr-453	207	76	to	to	PART
bjmsr-453	207	77	use	use	VERB
bjmsr-453	207	78	the	the	DET
bjmsr-453	207	79	random	random	ADJ
bjmsr-453	207	80	forest	forest	NOUN
bjmsr-453	207	81	to	to	PART
bjmsr-453	207	82	distinguish	distinguish	VERB
bjmsr-453	207	83	the	the	DET
bjmsr-453	207	84	data	datum	NOUN
bjmsr-453	207	85	set	set	VERB
bjmsr-453	207	86	of	of	ADP
bjmsr-453	207	87	samples	sample	NOUN
bjmsr-453	207	88	,	,	PUNCT
bjmsr-453	207	89	i.e.	i.e.	X
bjmsr-453	207	90	,	,	PUNCT
bjmsr-453	207	91	if	if	SCONJ
bjmsr-453	207	92	for	for	ADP
bjmsr-453	207	93	a	a	DET
bjmsr-453	207	94	sample	sample	NOUN
bjmsr-453	207	95	data	datum	NOUN
bjmsr-453	207	96	set	set	VERB
bjmsr-453	207	97	with	with	ADP
bjmsr-453	207	98	an	an	DET
bjmsr-453	207	99	overdue	overdue	ADJ
bjmsr-453	207	100	repayment	repayment	NOUN
bjmsr-453	207	101	record	record	NOUN
bjmsr-453	207	102	,	,	PUNCT
bjmsr-453	207	103	use	use	VERB
bjmsr-453	207	104	discriminate	discriminate	VERB
bjmsr-453	207	105	analysis	analysis	NOUN
bjmsr-453	207	106	is	be	AUX
bjmsr-453	207	107	more	more	ADV
bjmsr-453	207	108	appropriate	appropriate	ADJ
bjmsr-453	207	109	in	in	ADP
bjmsr-453	207	110	a	a	DET
bjmsr-453	207	111	way	way	NOUN
bjmsr-453	207	112	that	that	PRON
bjmsr-453	207	113	enhances	enhance	VERB
bjmsr-453	207	114	the	the	DET
bjmsr-453	207	115	probability	probability	NOUN
bjmsr-453	207	116	of	of	ADP
bjmsr-453	207	117	judging	judge	VERB
bjmsr-453	207	118	overdue	overdue	ADJ
bjmsr-453	207	119	payments	payment	NOUN
bjmsr-453	207	120	.	.	PUNCT
bjmsr-453	208	1	copyright	copyright	NOUN
bjmsr-453	208	2	©	©	PROPN
bjmsr-453	208	3	cc	cc	PROPN
bjmsr-453	208	4	-	-	PUNCT
bjmsr-453	208	5	by	by	ADP
bjmsr-453	208	6	-	-	PUNCT
bjmsr-453	208	7	nc	nc	PROPN
bjmsr-453	208	8	2020	2020	NUM
bjmsr-453	208	9	,	,	PUNCT
bjmsr-453	208	10	cribfb	cribfb	PROPN
bjmsr-453	208	11	|bjmsr	|bjmsr	PROPN
bjmsr-453	208	12	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	208	13	bangladesh	bangladesh	PROPN
bjmsr-453	208	14	journal	journal	PROPN
bjmsr-453	208	15	of	of	ADP
bjmsr-453	208	16	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	208	17	scientific	scientific	ADJ
bjmsr-453	208	18	research	research	NOUN
bjmsr-453	208	19	vol	vol	NOUN
bjmsr-453	208	20	.	.	PROPN
bjmsr-453	209	1	2	2	NUM
bjmsr-453	209	2	,	,	PUNCT
bjmsr-453	209	3	no	no	INTJ
bjmsr-453	209	4	.	.	NOUN
bjmsr-453	209	5	1	1	NUM
bjmsr-453	209	6	;	;	PUNCT
bjmsr-453	209	7	2020	2020	NUM
bjmsr-453	209	8	14	14	NUM
bjmsr-453	209	9	6	6	NUM
bjmsr-453	209	10	.	.	PUNCT
bjmsr-453	210	1	screening	screen	VERB
bjmsr-453	210	2	of	of	ADP
bjmsr-453	210	3	explanatory	explanatory	ADJ
bjmsr-453	210	4	variables	variable	NOUN
bjmsr-453	210	5	for	for	ADP
bjmsr-453	210	6	sample	sample	NOUN
bjmsr-453	210	7	data	datum	NOUN
bjmsr-453	210	8	without	without	ADP
bjmsr-453	210	9	agents	agent	NOUN
bjmsr-453	210	10	6.1	6.1	NUM
bjmsr-453	210	11	correlation	correlation	NOUN
bjmsr-453	210	12	of	of	ADP
bjmsr-453	210	13	explanatory	explanatory	ADJ
bjmsr-453	210	14	variables	variable	NOUN
bjmsr-453	210	15	with	with	ADP
bjmsr-453	210	16	explained	explain	VERB
bjmsr-453	210	17	variables	variable	NOUN
bjmsr-453	210	18	in	in	ADP
bjmsr-453	210	19	this	this	DET
bjmsr-453	210	20	chapter	chapter	NOUN
bjmsr-453	210	21	,	,	PUNCT
bjmsr-453	210	22	12	12	NUM
bjmsr-453	210	23	variables	variable	NOUN
bjmsr-453	210	24	are	be	AUX
bjmsr-453	210	25	selected	select	VERB
bjmsr-453	210	26	to	to	PART
bjmsr-453	210	27	study	study	VERB
bjmsr-453	210	28	the	the	DET
bjmsr-453	210	29	influence	influence	NOUN
bjmsr-453	210	30	factors	factor	NOUN
bjmsr-453	210	31	of	of	ADP
bjmsr-453	210	32	the	the	DET
bjmsr-453	210	33	borrower	borrower	NOUN
bjmsr-453	210	34	's	's	PART
bjmsr-453	210	35	deferred	defer	VERB
bjmsr-453	210	36	repayment	repayment	NOUN
bjmsr-453	210	37	.	.	PUNCT
bjmsr-453	211	1	they	they	PRON
bjmsr-453	211	2	are	be	AUX
bjmsr-453	211	3	the	the	DET
bjmsr-453	211	4	loan	loan	NOUN
bjmsr-453	211	5	grade	grade	NOUN
bjmsr-453	211	6	(	(	PUNCT
bjmsr-453	211	7	x1	x1	PROPN
bjmsr-453	211	8	)	)	PUNCT
bjmsr-453	211	9	,	,	PUNCT
bjmsr-453	211	10	whether	whether	SCONJ
bjmsr-453	211	11	local	local	ADJ
bjmsr-453	211	12	nationality	nationality	NOUN
bjmsr-453	211	13	(	(	PUNCT
bjmsr-453	211	14	x3	x3	ADJ
bjmsr-453	211	15	)	)	PUNCT
bjmsr-453	211	16	,	,	PUNCT
bjmsr-453	211	17	education	education	NOUN
bjmsr-453	211	18	level	level	NOUN
bjmsr-453	211	19	(	(	PUNCT
bjmsr-453	211	20	x5	x5	NOUN
bjmsr-453	211	21	)	)	PUNCT
bjmsr-453	211	22	,	,	PUNCT
bjmsr-453	211	23	marital	marital	ADJ
bjmsr-453	211	24	status	status	NOUN
bjmsr-453	211	25	(	(	PUNCT
bjmsr-453	211	26	x6	x6	PROPN
bjmsr-453	211	27	)	)	PUNCT
bjmsr-453	211	28	,	,	PUNCT
bjmsr-453	211	29	fund	fund	NOUN
bjmsr-453	211	30	or	or	CCONJ
bjmsr-453	211	31	not	not	PART
bjmsr-453	211	32	(	(	PUNCT
bjmsr-453	211	33	x8	x8	PROPN
bjmsr-453	211	34	)	)	PUNCT
bjmsr-453	211	35	,	,	PUNCT
bjmsr-453	211	36	gender	gender	NOUN
bjmsr-453	211	37	(	(	PUNCT
bjmsr-453	211	38	x9	x9	PROPN
bjmsr-453	211	39	)	)	PUNCT
bjmsr-453	211	40	,	,	PUNCT
bjmsr-453	211	41	provincial	provincial	ADJ
bjmsr-453	211	42	gross	gross	ADJ
bjmsr-453	211	43	product	product	NOUN
bjmsr-453	211	44	(	(	PUNCT
bjmsr-453	211	45	x10	x10	NOUN
bjmsr-453	211	46	)	)	PUNCT
bjmsr-453	211	47	,	,	PUNCT
bjmsr-453	211	48	per	per	ADP
bjmsr-453	211	49	capita	capita	X
bjmsr-453	211	50	disposable	disposable	ADJ
bjmsr-453	211	51	income	income	NOUN
bjmsr-453	211	52	(	(	PUNCT
bjmsr-453	211	53	x11	x11	NOUN
bjmsr-453	211	54	)	)	PUNCT
bjmsr-453	211	55	,	,	PUNCT
bjmsr-453	211	56	per	per	ADP
bjmsr-453	211	57	capita	capita	X
bjmsr-453	211	58	consumption	consumption	NOUN
bjmsr-453	211	59	expenditure	expenditure	NOUN
bjmsr-453	211	60	(	(	PUNCT
bjmsr-453	211	61	x12	x12	NUM
bjmsr-453	211	62	)	)	PUNCT
bjmsr-453	211	63	,	,	PUNCT
bjmsr-453	211	64	regional	regional	ADJ
bjmsr-453	211	65	fixed	fix	VERB
bjmsr-453	211	66	investment	investment	NOUN
bjmsr-453	211	67	(	(	PUNCT
bjmsr-453	211	68	x13	x13	PROPN
bjmsr-453	211	69	)	)	PUNCT
bjmsr-453	211	70	,	,	PUNCT
bjmsr-453	211	71	regional	regional	ADJ
bjmsr-453	211	72	fixed	fix	VERB
bjmsr-453	211	73	investment	investment	NOUN
bjmsr-453	211	74	index	index	NOUN
bjmsr-453	211	75	(	(	PUNCT
bjmsr-453	211	76	x14	x14	PROPN
bjmsr-453	211	77	)	)	PUNCT
bjmsr-453	211	78	,	,	PUNCT
bjmsr-453	211	79	unemployment	unemployment	NOUN
bjmsr-453	211	80	rate	rate	NOUN
bjmsr-453	211	81	(	(	PUNCT
bjmsr-453	211	82	x15	x15	NUM
bjmsr-453	211	83	)	)	PUNCT
bjmsr-453	211	84	.	.	PUNCT
bjmsr-453	212	1	the	the	DET
bjmsr-453	212	2	data	data	NOUN
bjmsr-453	212	3	samples	sample	NOUN
bjmsr-453	212	4	not	not	PART
bjmsr-453	212	5	including	include	VERB
bjmsr-453	212	6	agents	agent	NOUN
bjmsr-453	212	7	generally	generally	ADV
bjmsr-453	212	8	lack	lack	VERB
bjmsr-453	212	9	working	working	NOUN
bjmsr-453	212	10	provinces	province	NOUN
bjmsr-453	212	11	and	and	CCONJ
bjmsr-453	212	12	salaries	salary	NOUN
bjmsr-453	212	13	,	,	PUNCT
bjmsr-453	212	14	so	so	ADV
bjmsr-453	212	15	we	we	PRON
bjmsr-453	212	16	added	add	VERB
bjmsr-453	212	17	six	six	NUM
bjmsr-453	212	18	macro	macro	ADJ
bjmsr-453	212	19	data	datum	NOUN
bjmsr-453	212	20	variables	variable	NOUN
bjmsr-453	212	21	corresponding	correspond	VERB
bjmsr-453	212	22	to	to	ADP
bjmsr-453	212	23	the	the	DET
bjmsr-453	212	24	province	province	NOUN
bjmsr-453	212	25	of	of	ADP
bjmsr-453	212	26	origin	origin	NOUN
bjmsr-453	212	27	.	.	PUNCT
bjmsr-453	213	1	so	so	ADV
bjmsr-453	213	2	,	,	PUNCT
bjmsr-453	213	3	this	this	DET
bjmsr-453	213	4	chapter	chapter	NOUN
bjmsr-453	213	5	first	first	ADV
bjmsr-453	213	6	uses	uses	AUX
bjmsr-453	213	7	spss	spss	PROPN
bjmsr-453	213	8	23.0	23.0	NUM
bjmsr-453	213	9	to	to	PART
bjmsr-453	213	10	pass	pass	VERB
bjmsr-453	213	11	person	person	NOUN
bjmsr-453	213	12	correlation	correlation	NOUN
bjmsr-453	213	13	test	test	NOUN
bjmsr-453	213	14	was	be	AUX
bjmsr-453	213	15	used	use	VERB
bjmsr-453	213	16	to	to	PART
bjmsr-453	213	17	explore	explore	VERB
bjmsr-453	213	18	the	the	DET
bjmsr-453	213	19	correlation	correlation	NOUN
bjmsr-453	213	20	between	between	ADP
bjmsr-453	213	21	explanatory	explanatory	ADJ
bjmsr-453	213	22	variables	variable	NOUN
bjmsr-453	213	23	and	and	CCONJ
bjmsr-453	213	24	explained	explain	VERB
bjmsr-453	213	25	variables	variable	NOUN
bjmsr-453	213	26	.	.	PUNCT
bjmsr-453	214	1	the	the	DET
bjmsr-453	214	2	explanatory	explanatory	ADJ
bjmsr-453	214	3	variables	variable	NOUN
bjmsr-453	214	4	were	be	AUX
bjmsr-453	214	5	screened	screen	VERB
bjmsr-453	214	6	by	by	ADP
bjmsr-453	214	7	the	the	DET
bjmsr-453	214	8	magnitude	magnitude	NOUN
bjmsr-453	214	9	of	of	ADP
bjmsr-453	214	10	the	the	DET
bjmsr-453	214	11	correlation	correlation	NOUN
bjmsr-453	214	12	coefficient	coefficient	NOUN
bjmsr-453	214	13	between	between	ADP
bjmsr-453	214	14	the	the	DET
bjmsr-453	214	15	dependent	dependent	ADJ
bjmsr-453	214	16	and	and	CCONJ
bjmsr-453	214	17	independent	independent	ADJ
bjmsr-453	214	18	variables	variable	NOUN
bjmsr-453	214	19	and	and	CCONJ
bjmsr-453	214	20	the	the	DET
bjmsr-453	214	21	requirement	requirement	NOUN
bjmsr-453	214	22	of	of	ADP
bjmsr-453	214	23	significance	significance	NOUN
bjmsr-453	214	24	between	between	ADP
bjmsr-453	214	25	the	the	DET
bjmsr-453	214	26	two	two	NUM
bjmsr-453	214	27	.	.	PUNCT
bjmsr-453	215	1	table	table	NOUN
bjmsr-453	215	2	19.person	19.person	NUM
bjmsr-453	215	3	correlation	correlation	NOUN
bjmsr-453	215	4	test	test	NOUN
bjmsr-453	216	1	y	y	PROPN
bjmsr-453	216	2	y	y	PROPN
bjmsr-453	216	3	x1	x1	PROPN
bjmsr-453	216	4	0.179	0.179	NUM
bjmsr-453	216	5	x10	x10	ADP
bjmsr-453	216	6	0.001	0.001	NUM
bjmsr-453	216	7	x3	x3	PROPN
bjmsr-453	216	8	0.020	0.020	NUM
bjmsr-453	216	9	x11	x11	NOUN
bjmsr-453	216	10	0.036	0.036	NUM
bjmsr-453	216	11	x5	x5	NOUN
bjmsr-453	216	12	0.015	0.015	NUM
bjmsr-453	216	13	x12	x12	NUM
bjmsr-453	216	14	0.052	0.052	NUM
bjmsr-453	216	15	x6	x6	PROPN
bjmsr-453	216	16	0.031	0.031	NUM
bjmsr-453	216	17	x13	x13	PROPN
bjmsr-453	216	18	0.131	0.131	NUM
bjmsr-453	216	19	x8	x8	PROPN
bjmsr-453	216	20	0.045	0.045	NUM
bjmsr-453	216	21	x14	x14	PROPN
bjmsr-453	216	22	0.150	0.150	NUM
bjmsr-453	216	23	x9	x9	NOUN
bjmsr-453	216	24	0.001	0.001	NUM
bjmsr-453	216	25	x15	x15	NUM
bjmsr-453	216	26	0.067	0.067	NUM
bjmsr-453	216	27	according	accord	VERB
bjmsr-453	216	28	to	to	ADP
bjmsr-453	216	29	the	the	DET
bjmsr-453	216	30	correlation	correlation	NOUN
bjmsr-453	216	31	test	test	NOUN
bjmsr-453	216	32	results	result	NOUN
bjmsr-453	216	33	,	,	PUNCT
bjmsr-453	216	34	except	except	SCONJ
bjmsr-453	216	35	for	for	ADP
bjmsr-453	216	36	fig	fig	NOUN
bjmsr-453	216	37	.	.	PUNCT
bjmsr-453	217	1	x6	x6	PROPN
bjmsr-453	217	2	failed	fail	VERB
bjmsr-453	217	3	the	the	DET
bjmsr-453	217	4	significance	significance	NOUN
bjmsr-453	217	5	test	test	NOUN
bjmsr-453	217	6	,	,	PUNCT
bjmsr-453	217	7	and	and	CCONJ
bjmsr-453	217	8	all	all	DET
bjmsr-453	217	9	other	other	ADJ
bjmsr-453	217	10	variables	variable	NOUN
bjmsr-453	217	11	passed	pass	VERB
bjmsr-453	217	12	the	the	DET
bjmsr-453	217	13	significance	significance	NOUN
bjmsr-453	217	14	test	test	NOUN
bjmsr-453	217	15	.	.	PUNCT
bjmsr-453	218	1	considering	consider	VERB
bjmsr-453	218	2	that	that	SCONJ
bjmsr-453	218	3	the	the	DET
bjmsr-453	218	4	remaining	remain	VERB
bjmsr-453	218	5	variables	variable	NOUN
bjmsr-453	218	6	are	be	AUX
bjmsr-453	218	7	11	11	NUM
bjmsr-453	218	8	one	one	NUM
bjmsr-453	218	9	,	,	PUNCT
bjmsr-453	218	10	so	so	CCONJ
bjmsr-453	218	11	it	it	PRON
bjmsr-453	218	12	is	be	AUX
bjmsr-453	218	13	not	not	PART
bjmsr-453	218	14	filtered	filter	VERB
bjmsr-453	218	15	according	accord	VERB
bjmsr-453	218	16	to	to	ADP
bjmsr-453	218	17	the	the	DET
bjmsr-453	218	18	correlation	correlation	NOUN
bjmsr-453	218	19	magnitude	magnitude	NOUN
bjmsr-453	218	20	of	of	ADP
bjmsr-453	218	21	variables	variable	NOUN
bjmsr-453	218	22	and	and	CCONJ
bjmsr-453	218	23	finally	finally	ADV
bjmsr-453	218	24	selected	select	VERB
bjmsr-453	218	25	the	the	DET
bjmsr-453	218	26	explanatory	explanatory	ADJ
bjmsr-453	218	27	variables	variable	NOUN
bjmsr-453	218	28	were	be	AUX
bjmsr-453	218	29	x1	x1	ADJ
bjmsr-453	218	30	,	,	PUNCT
bjmsr-453	218	31	x3	x3	ADJ
bjmsr-453	218	32	,	,	PUNCT
bjmsr-453	218	33	x5	x5	PROPN
bjmsr-453	218	34	,	,	PUNCT
bjmsr-453	218	35	x8	x8	PROPN
bjmsr-453	218	36	,	,	PUNCT
bjmsr-453	218	37	x9	x9	PROPN
bjmsr-453	218	38	,	,	PUNCT
bjmsr-453	218	39	x10	x10	NOUN
bjmsr-453	218	40	,	,	PUNCT
bjmsr-453	218	41	x11	x11	PROPN
bjmsr-453	218	42	,	,	PUNCT
bjmsr-453	218	43	x12	x12	NUM
bjmsr-453	218	44	,	,	PUNCT
bjmsr-453	218	45	x13	x13	PROPN
bjmsr-453	218	46	,	,	PUNCT
bjmsr-453	218	47	x14	x14	PROPN
bjmsr-453	218	48	,	,	PUNCT
bjmsr-453	218	49	x15	x15	NUM
bjmsr-453	218	50	.	.	PUNCT
bjmsr-453	219	1	6.2	6.2	NUM
bjmsr-453	219	2	multicollinearity	multicollinearity	NOUN
bjmsr-453	219	3	analysis	analysis	NOUN
bjmsr-453	219	4	in	in	ADP
bjmsr-453	219	5	order	order	NOUN
bjmsr-453	219	6	to	to	PART
bjmsr-453	219	7	ensure	ensure	VERB
bjmsr-453	219	8	the	the	DET
bjmsr-453	219	9	accuracy	accuracy	NOUN
bjmsr-453	219	10	of	of	ADP
bjmsr-453	219	11	the	the	DET
bjmsr-453	219	12	prediction	prediction	NOUN
bjmsr-453	219	13	results	result	NOUN
bjmsr-453	219	14	of	of	ADP
bjmsr-453	219	15	the	the	DET
bjmsr-453	219	16	constructed	construct	VERB
bjmsr-453	219	17	model	model	NOUN
bjmsr-453	219	18	,	,	PUNCT
bjmsr-453	219	19	the	the	DET
bjmsr-453	219	20	first	first	ADJ
bjmsr-453	219	21	step	step	NOUN
bjmsr-453	219	22	was	be	AUX
bjmsr-453	219	23	to	to	PART
bjmsr-453	219	24	use	use	VERB
bjmsr-453	219	25	spss	spss	PROPN
bjmsr-453	219	26	23.0	23.0	NUM
bjmsr-453	219	27	to	to	PART
bjmsr-453	219	28	test	test	VERB
bjmsr-453	219	29	for	for	ADP
bjmsr-453	219	30	the	the	DET
bjmsr-453	219	31	presence	presence	NOUN
bjmsr-453	219	32	of	of	ADP
bjmsr-453	219	33	multicollinearity	multicollinearity	NOUN
bjmsr-453	219	34	between	between	ADP
bjmsr-453	219	35	variables	variable	NOUN
bjmsr-453	219	36	.	.	PUNCT
bjmsr-453	220	1	the	the	DET
bjmsr-453	220	2	results	result	NOUN
bjmsr-453	220	3	are	be	AUX
bjmsr-453	220	4	shown	show	VERB
bjmsr-453	220	5	in	in	ADP
bjmsr-453	220	6	table	table	NOUN
bjmsr-453	220	7	21	21	NUM
bjmsr-453	220	8	.	.	PUNCT
bjmsr-453	221	1	it	it	PRON
bjmsr-453	221	2	can	can	AUX
bjmsr-453	221	3	be	be	AUX
bjmsr-453	221	4	seen	see	VERB
bjmsr-453	221	5	that	that	SCONJ
bjmsr-453	221	6	the	the	DET
bjmsr-453	221	7	inflation	inflation	NOUN
bjmsr-453	221	8	factor	factor	NOUN
bjmsr-453	221	9	vif	vif	PROPN
bjmsr-453	221	10	(	(	PUNCT
bjmsr-453	221	11	variance	variance	NOUN
bjmsr-453	221	12	inflation	inflation	NOUN
bjmsr-453	221	13	factor	factor	NOUN
bjmsr-453	221	14	)	)	PUNCT
bjmsr-453	221	15	of	of	ADP
bjmsr-453	221	16	11	11	NUM
bjmsr-453	221	17	variables	variable	NOUN
bjmsr-453	221	18	is	be	AUX
bjmsr-453	221	19	between	between	ADP
bjmsr-453	221	20	0	0	NUM
bjmsr-453	221	21	and	and	CCONJ
bjmsr-453	221	22	10	10	NUM
bjmsr-453	221	23	,	,	PUNCT
bjmsr-453	221	24	from	from	ADP
bjmsr-453	221	25	which	which	PRON
bjmsr-453	221	26	it	it	PRON
bjmsr-453	221	27	is	be	AUX
bjmsr-453	221	28	judged	judge	VERB
bjmsr-453	221	29	that	that	SCONJ
bjmsr-453	221	30	there	there	PRON
bjmsr-453	221	31	is	be	VERB
bjmsr-453	221	32	no	no	DET
bjmsr-453	221	33	severe	severe	ADJ
bjmsr-453	221	34	multicollinearity	multicollinearity	NOUN
bjmsr-453	221	35	between	between	ADP
bjmsr-453	221	36	the	the	DET
bjmsr-453	221	37	11	11	NUM
bjmsr-453	221	38	variables	variable	NOUN
bjmsr-453	221	39	.	.	PUNCT
bjmsr-453	222	1	table	table	NOUN
bjmsr-453	222	2	20	20	NUM
bjmsr-453	222	3	.	.	PUNCT
bjmsr-453	223	1	result	result	NOUN
bjmsr-453	223	2	of	of	ADP
bjmsr-453	223	3	multicollinearity	multicollinearity	NOUN
bjmsr-453	223	4	model	model	NOUN
bjmsr-453	223	5	unnormalized	unnormalize	VERB
bjmsr-453	223	6	coefficient	coefficient	NOUN
bjmsr-453	223	7	standardizatio	standardizatio	NOUN
bjmsr-453	223	8	n	n	PROPN
bjmsr-453	223	9	coefficient	coefficient	NOUN
bjmsr-453	223	10	t	t	PROPN
bjmsr-453	223	11	signific	signific	NOUN
bjmsr-453	223	12	ance	ance	NOUN
bjmsr-453	223	13	collinearity	collinearity	NOUN
bjmsr-453	223	14	statistics	statistic	NOUN
bjmsr-453	223	15	b	b	PROPN
bjmsr-453	223	16	standard	standard	ADJ
bjmsr-453	223	17	error	error	NOUN
bjmsr-453	223	18	beta	beta	NOUN
bjmsr-453	223	19	tolerance	tolerance	NOUN
bjmsr-453	223	20	vif	vif	NOUN
bjmsr-453	223	21	1	1	NUM
bjmsr-453	223	22	(	(	PUNCT
bjmsr-453	223	23	constant	constant	ADJ
bjmsr-453	223	24	)	)	PUNCT
bjmsr-453	223	25	0.139	0.139	NUM
bjmsr-453	223	26	0.011	0.011	NUM
bjmsr-453	223	27	13.188	13.188	NUM
bjmsr-453	223	28	0	0	NUM
bjmsr-453	223	29	x1	x1	PROPN
bjmsr-453	223	30	0.003	0.003	NUM
bjmsr-453	223	31	0.001	0.001	NUM
bjmsr-453	223	32	0.034	0.034	NUM
bjmsr-453	223	33	4.853	4.853	NUM
bjmsr-453	223	34	0	0	NUM
bjmsr-453	223	35	0.973	0.973	NUM
bjmsr-453	223	36	1.028	1.028	NUM
bjmsr-453	223	37	x3	x3	PROPN
bjmsr-453	223	38	0.019	0.019	NUM
bjmsr-453	223	39	0.003	0.003	NUM
bjmsr-453	223	40	0.046	0.046	NUM
bjmsr-453	223	41	6.401	6.401	NUM
bjmsr-453	223	42	0	0	NUM
bjmsr-453	223	43	0.941	0.941	NUM
bjmsr-453	223	44	1.062	1.062	NUM
bjmsr-453	223	45	x5	x5	NOUN
bjmsr-453	223	46	0.009	0.009	NUM
bjmsr-453	223	47	0.003	0.003	NUM
bjmsr-453	223	48	0.025	0.025	NUM
bjmsr-453	223	49	3.555	3.555	NUM
bjmsr-453	223	50	0	0	NUM
bjmsr-453	223	51	0.972	0.972	NUM
bjmsr-453	223	52	1.029	1.029	NUM
bjmsr-453	223	53	x8	x8	PROPN
bjmsr-453	223	54	0.018	0.018	NUM
bjmsr-453	223	55	0.003	0.003	NUM
bjmsr-453	223	56	0.043	0.043	NUM
bjmsr-453	223	57	6.095	6.095	NUM
bjmsr-453	223	58	0	0	NUM
bjmsr-453	223	59	0.959	0.959	NUM
bjmsr-453	223	60	1.042	1.042	NUM
bjmsr-453	223	61	x9	x9	NOUN
bjmsr-453	223	62	0.025	0.025	NUM
bjmsr-453	223	63	0.003	0.003	NUM
bjmsr-453	223	64	0.054	0.054	NUM
bjmsr-453	223	65	7.79	7.79	NUM
bjmsr-453	223	66	0	0	NUM
bjmsr-453	223	67	0.982	0.982	NUM
bjmsr-453	223	68	1.018	1.018	NUM
bjmsr-453	223	69	x10	x10	ADP
bjmsr-453	223	70	0.002	0.002	NUM
bjmsr-453	223	71	0.001	0.001	NUM
bjmsr-453	223	72	0.067	0.067	NUM
bjmsr-453	223	73	3.72	3.72	NUM
bjmsr-453	223	74	0	0	NUM
bjmsr-453	223	75	0.146	0.146	NUM
bjmsr-453	223	76	6.856	6.856	NUM
bjmsr-453	223	77	x11	x11	NOUN
bjmsr-453	223	78	0.004	0.004	NUM
bjmsr-453	223	79	0.001	0.001	NUM
bjmsr-453	223	80	0.119	0.119	NUM
bjmsr-453	223	81	4.473	4.473	NUM
bjmsr-453	223	82	0	0	NUM
bjmsr-453	223	83	0.128	0.128	NUM
bjmsr-453	223	84	9.726	9.726	NUM
bjmsr-453	223	85	x12	x12	NUM
bjmsr-453	223	86	0.004	0.004	NUM
bjmsr-453	223	87	0.001	0.001	NUM
bjmsr-453	223	88	0.144	0.144	NUM
bjmsr-453	223	89	5.118	5.118	NUM
bjmsr-453	223	90	0	0	NUM
bjmsr-453	223	91	0.108	0.108	NUM
bjmsr-453	223	92	9.871	9.871	NUM
bjmsr-453	223	93	x13	x13	NOUN
bjmsr-453	223	94	0.002	0.002	NUM
bjmsr-453	223	95	0	0	NUM
bjmsr-453	223	96	0.086	0.086	NUM
bjmsr-453	223	97	5.318	5.318	NUM
bjmsr-453	223	98	0	0	NUM
bjmsr-453	223	99	0.181	0.181	NUM
bjmsr-453	223	100	5.511	5.511	NUM
bjmsr-453	223	101	copyright	copyright	NOUN
bjmsr-453	223	102	©	©	PROPN
bjmsr-453	223	103	cc	cc	NOUN
bjmsr-453	223	104	-	-	PUNCT
bjmsr-453	223	105	by	by	ADP
bjmsr-453	223	106	-	-	PUNCT
bjmsr-453	223	107	nc	nc	PROPN
bjmsr-453	223	108	2020	2020	NUM
bjmsr-453	223	109	,	,	PUNCT
bjmsr-453	223	110	cribfb	cribfb	PROPN
bjmsr-453	223	111	|bjmsr	|bjmsr	PROPN
bjmsr-453	223	112	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	224	1	bangladesh	bangladesh	PROPN
bjmsr-453	224	2	journal	journal	PROPN
bjmsr-453	224	3	of	of	ADP
bjmsr-453	224	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	224	5	scientific	scientific	ADJ
bjmsr-453	224	6	research	research	NOUN
bjmsr-453	224	7	vol	vol	NOUN
bjmsr-453	224	8	.	.	PROPN
bjmsr-453	225	1	2	2	NUM
bjmsr-453	225	2	,	,	PUNCT
bjmsr-453	225	3	no	no	INTJ
bjmsr-453	225	4	.	.	NOUN
bjmsr-453	225	5	1	1	NUM
bjmsr-453	225	6	;	;	PUNCT
bjmsr-453	225	7	2020	2020	NUM
bjmsr-453	225	8	15	15	NUM
bjmsr-453	225	9	x14	x14	PROPN
bjmsr-453	225	10	0.006	0.006	NUM
bjmsr-453	225	11	0	0	NUM
bjmsr-453	225	12	0.123	0.123	NUM
bjmsr-453	225	13	16.273	16.273	NUM
bjmsr-453	225	14	0	0	NUM
bjmsr-453	225	15	0.841	0.841	NUM
bjmsr-453	225	16	1.189	1.189	NUM
bjmsr-453	225	17	x15	x15	NUM
bjmsr-453	225	18	0.002	0.002	NUM
bjmsr-453	225	19	0	0	NUM
bjmsr-453	225	20	0.046	0.046	NUM
bjmsr-453	225	21	5.517	5.517	NUM
bjmsr-453	225	22	0	0	NUM
bjmsr-453	225	23	0.679	0.679	NUM
bjmsr-453	225	24	1	1	NUM
bjmsr-453	225	25	.	.	PUNCT
bjmsr-453	225	26	474	474	NUM
bjmsr-453	225	27	7	7	NUM
bjmsr-453	225	28	.	.	PUNCT
bjmsr-453	226	1	modeling	model	VERB
bjmsr-453	226	2	the	the	DET
bjmsr-453	226	3	evaluation	evaluation	NOUN
bjmsr-453	226	4	model	model	NOUN
bjmsr-453	226	5	of	of	ADP
bjmsr-453	226	6	sample	sample	NOUN
bjmsr-453	226	7	data	datum	NOUN
bjmsr-453	226	8	credit	credit	NOUN
bjmsr-453	226	9	method	method	NOUN
bjmsr-453	226	10	without	without	ADP
bjmsr-453	226	11	agents	agent	NOUN
bjmsr-453	226	12	7.1	7.1	NUM
bjmsr-453	226	13	modeling	modeling	NOUN
bjmsr-453	226	14	of	of	ADP
bjmsr-453	226	15	various	various	ADJ
bjmsr-453	226	16	models	model	NOUN
bjmsr-453	226	17	this	this	DET
bjmsr-453	226	18	chapter	chapter	NOUN
bjmsr-453	226	19	randomly	randomly	ADV
bjmsr-453	226	20	selects	select	VERB
bjmsr-453	226	21	data	datum	NOUN
bjmsr-453	226	22	samples	sample	NOUN
bjmsr-453	226	23	that	that	PRON
bjmsr-453	226	24	do	do	AUX
bjmsr-453	226	25	not	not	PART
bjmsr-453	226	26	contain	contain	VERB
bjmsr-453	226	27	agents	agent	NOUN
bjmsr-453	226	28	from	from	ADP
bjmsr-453	226	29	the	the	DET
bjmsr-453	226	30	80	80	NUM
bjmsr-453	226	31	%	%	NOUN
bjmsr-453	226	32	data	datum	NOUN
bjmsr-453	226	33	as	as	ADP
bjmsr-453	226	34	training	training	NOUN
bjmsr-453	226	35	data	datum	NOUN
bjmsr-453	226	36	,	,	PUNCT
bjmsr-453	226	37	where	where	SCONJ
bjmsr-453	226	38	708	708	NUM
bjmsr-453	226	39	for	for	ADP
bjmsr-453	226	40	deferred	deferred	ADJ
bjmsr-453	226	41	repayment	repayment	NOUN
bjmsr-453	226	42	records	record	NOUN
bjmsr-453	226	43	,	,	PUNCT
bjmsr-453	226	44	15449	15449	NUM
bjmsr-453	226	45	.	.	PUNCT
bjmsr-453	227	1	the	the	DET
bjmsr-453	227	2	bar	bar	NOUN
bjmsr-453	227	3	is	be	AUX
bjmsr-453	227	4	the	the	DET
bjmsr-453	227	5	on	on	ADP
bjmsr-453	227	6	-	-	PUNCT
bjmsr-453	227	7	time	time	NOUN
bjmsr-453	227	8	repayment	repayment	NOUN
bjmsr-453	227	9	record	record	NOUN
bjmsr-453	227	10	,	,	PUNCT
bjmsr-453	227	11	and	and	CCONJ
bjmsr-453	227	12	each	each	DET
bjmsr-453	227	13	variable	variable	NOUN
bjmsr-453	227	14	is	be	AUX
bjmsr-453	227	15	used	use	VERB
bjmsr-453	227	16	as	as	ADP
bjmsr-453	227	17	the	the	DET
bjmsr-453	227	18	training	training	NOUN
bjmsr-453	227	19	feature	feature	NOUN
bjmsr-453	227	20	.	.	PUNCT
bjmsr-453	228	1	r	r	NOUN
bjmsr-453	228	2	software	software	NOUN
bjmsr-453	228	3	is	be	AUX
bjmsr-453	228	4	a	a	DET
bjmsr-453	228	5	random	random	ADJ
bjmsr-453	228	6	package	package	NOUN
bjmsr-453	228	7	to	to	PART
bjmsr-453	228	8	realize	realize	VERB
bjmsr-453	228	9	the	the	DET
bjmsr-453	228	10	modeling	modeling	NOUN
bjmsr-453	228	11	process	process	NOUN
bjmsr-453	228	12	.	.	PUNCT
bjmsr-453	229	1	selection	selection	NOUN
bjmsr-453	229	2	of	of	ADP
bjmsr-453	229	3	variables	variable	NOUN
bjmsr-453	229	4	:	:	PUNCT
bjmsr-453	229	5	the	the	DET
bjmsr-453	229	6	variables	variable	NOUN
bjmsr-453	229	7	were	be	AUX
bjmsr-453	229	8	initially	initially	ADV
bjmsr-453	229	9	censored	censor	VERB
bjmsr-453	229	10	first	first	ADV
bjmsr-453	229	11	.	.	PUNCT
bjmsr-453	230	1	according	accord	VERB
bjmsr-453	230	2	to	to	ADP
bjmsr-453	230	3	the	the	DET
bjmsr-453	230	4	correlation	correlation	NOUN
bjmsr-453	230	5	of	of	ADP
bjmsr-453	230	6	each	each	DET
bjmsr-453	230	7	variable	variable	NOUN
bjmsr-453	230	8	,	,	PUNCT
bjmsr-453	230	9	the	the	DET
bjmsr-453	230	10	significance	significance	NOUN
bjmsr-453	230	11	of	of	ADP
bjmsr-453	230	12	each	each	DET
bjmsr-453	230	13	variable	variable	NOUN
bjmsr-453	230	14	was	be	AUX
bjmsr-453	230	15	judged	judge	VERB
bjmsr-453	230	16	and	and	CCONJ
bjmsr-453	230	17	eliminated	eliminate	VERB
bjmsr-453	230	18	first	first	ADV
bjmsr-453	230	19	x4	x4	PROPN
bjmsr-453	230	20	(	(	PUNCT
bjmsr-453	230	21	marital	marital	ADJ
bjmsr-453	230	22	status	status	NOUN
bjmsr-453	230	23	)	)	PUNCT
bjmsr-453	230	24	,	,	PUNCT
bjmsr-453	230	25	again	again	ADV
bjmsr-453	230	26	introduced	introduce	VERB
bjmsr-453	230	27	according	accord	VERB
bjmsr-453	230	28	to	to	ADP
bjmsr-453	230	29	practical	practical	ADJ
bjmsr-453	230	30	significance	significance	NOUN
bjmsr-453	230	31	.	.	PUNCT
bjmsr-453	231	1	both	both	PRON
bjmsr-453	231	2	the	the	DET
bjmsr-453	231	3	x7	x7	NOUN
bjmsr-453	231	4	(	(	PUNCT
bjmsr-453	231	5	fig	fig	NOUN
bjmsr-453	231	6	.	.	PUNCT
bjmsr-453	232	1	province	province	PROPN
bjmsr-453	232	2	gdp	gdp	PROPN
bjmsr-453	232	3	)	)	PUNCT
bjmsr-453	232	4	,	,	PUNCT
bjmsr-453	232	5	x8	x8	PROPN
bjmsr-453	232	6	(	(	PUNCT
bjmsr-453	232	7	per	per	ADP
bjmsr-453	232	8	capita	capita	X
bjmsr-453	232	9	disposable	disposable	ADJ
bjmsr-453	232	10	income	income	NOUN
bjmsr-453	232	11	)	)	PUNCT
bjmsr-453	232	12	,	,	PUNCT
bjmsr-453	232	13	x9	x9	NOUN
bjmsr-453	232	14	(	(	PUNCT
bjmsr-453	232	15	per	per	ADP
bjmsr-453	232	16	capita	capita	X
bjmsr-453	232	17	consumption	consumption	NOUN
bjmsr-453	232	18	expenditure	expenditure	NOUN
bjmsr-453	232	19	)	)	PUNCT
bjmsr-453	232	20	,	,	PUNCT
bjmsr-453	232	21	x10	x10	X
bjmsr-453	232	22	(	(	PUNCT
bjmsr-453	232	23	regional	regional	ADJ
bjmsr-453	232	24	fixed	fix	VERB
bjmsr-453	232	25	asset	asset	NOUN
bjmsr-453	232	26	investment	investment	NOUN
bjmsr-453	232	27	)	)	PUNCT
bjmsr-453	232	28	,	,	PUNCT
bjmsr-453	232	29	x11	x11	PROPN
bjmsr-453	232	30	(	(	PUNCT
bjmsr-453	232	31	regional	regional	ADJ
bjmsr-453	232	32	fixed	fix	VERB
bjmsr-453	232	33	-	-	PUNCT
bjmsr-453	232	34	asset	asset	NOUN
bjmsr-453	232	35	investment	investment	NOUN
bjmsr-453	232	36	index	index	NOUN
bjmsr-453	232	37	)	)	PUNCT
bjmsr-453	232	38	,	,	PUNCT
bjmsr-453	232	39	x12	x12	NUM
bjmsr-453	232	40	(	(	PUNCT
bjmsr-453	232	41	provincial	provincial	ADJ
bjmsr-453	232	42	unemployment	unemployment	NOUN
bjmsr-453	232	43	rate	rate	NOUN
bjmsr-453	232	44	)	)	PUNCT
bjmsr-453	232	45	to	to	PART
bjmsr-453	232	46	replace	replace	VERB
bjmsr-453	232	47	the	the	DET
bjmsr-453	232	48	working	work	VERB
bjmsr-453	232	49	province	province	NOUN
bjmsr-453	232	50	variable	variable	NOUN
bjmsr-453	232	51	and	and	CCONJ
bjmsr-453	232	52	the	the	DET
bjmsr-453	232	53	native	native	ADJ
bjmsr-453	232	54	place	place	NOUN
bjmsr-453	232	55	variable	variable	NOUN
bjmsr-453	232	56	and	and	CCONJ
bjmsr-453	232	57	.	.	PUNCT
bjmsr-453	233	1	when	when	SCONJ
bjmsr-453	233	2	the	the	DET
bjmsr-453	233	3	screening	screening	NOUN
bjmsr-453	233	4	variable	variable	NOUN
bjmsr-453	233	5	is	be	AUX
bjmsr-453	233	6	in	in	ADP
bjmsr-453	233	7	11	11	NUM
bjmsr-453	233	8	cases	case	NOUN
bjmsr-453	233	9	,	,	PUNCT
bjmsr-453	233	10	repayment	repayment	NOUN
bjmsr-453	233	11	on	on	ADP
bjmsr-453	233	12	time	time	NOUN
bjmsr-453	233	13	(	(	PUNCT
bjmsr-453	233	14	0	0	NUM
bjmsr-453	233	15	)	)	PUNCT
bjmsr-453	233	16	is	be	AUX
bjmsr-453	233	17	judged	judge	VERB
bjmsr-453	233	18	by	by	ADP
bjmsr-453	233	19	the	the	DET
bjmsr-453	233	20	model	model	NOUN
bjmsr-453	233	21	as	as	ADP
bjmsr-453	233	22	deferred	deferred	ADJ
bjmsr-453	233	23	repayment	repayment	NOUN
bjmsr-453	233	24	(	(	PUNCT
bjmsr-453	233	25	1	1	X
bjmsr-453	233	26	)	)	PUNCT
bjmsr-453	233	27	the	the	DET
bjmsr-453	233	28	error	error	NOUN
bjmsr-453	233	29	rate	rate	NOUN
bjmsr-453	233	30	is	be	AUX
bjmsr-453	233	31	0	0	NUM
bjmsr-453	233	32	%	%	NOUN
bjmsr-453	233	33	,	,	PUNCT
bjmsr-453	233	34	while	while	SCONJ
bjmsr-453	233	35	deferred	deferred	ADJ
bjmsr-453	233	36	repayment	repayment	NOUN
bjmsr-453	233	37	(	(	PUNCT
bjmsr-453	233	38	1	1	X
bjmsr-453	233	39	)	)	PUNCT
bjmsr-453	233	40	is	be	AUX
bjmsr-453	233	41	judged	judge	VERB
bjmsr-453	233	42	by	by	ADP
bjmsr-453	233	43	the	the	DET
bjmsr-453	233	44	model	model	NOUN
bjmsr-453	233	45	as	as	ADP
bjmsr-453	233	46	ontime	ontime	ADJ
bjmsr-453	233	47	repayment	repayment	NOUN
bjmsr-453	233	48	(	(	PUNCT
bjmsr-453	233	49	0	0	NUM
bjmsr-453	233	50	)	)	PUNCT
bjmsr-453	233	51	the	the	DET
bjmsr-453	233	52	error	error	NOUN
bjmsr-453	233	53	rate	rate	NOUN
bjmsr-453	233	54	is	be	AUX
bjmsr-453	233	55	100	100	NUM
bjmsr-453	233	56	%	%	NOUN
bjmsr-453	233	57	,	,	PUNCT
bjmsr-453	233	58	overall	overall	ADJ
bjmsr-453	233	59	the	the	DET
bjmsr-453	233	60	error	error	NOUN
bjmsr-453	233	61	rate	rate	NOUN
bjmsr-453	233	62	is	be	AUX
bjmsr-453	233	63	4.4	4.4	NUM
bjmsr-453	233	64	%	%	NOUN
bjmsr-453	233	65	.	.	PUNCT
bjmsr-453	234	1	table	table	NOUN
bjmsr-453	234	2	21	21	NUM
bjmsr-453	234	3	.	.	PUNCT
bjmsr-453	235	1	preliminary	preliminary	ADJ
bjmsr-453	235	2	training	training	NOUN
bjmsr-453	235	3	results	result	NOUN
bjmsr-453	235	4	of	of	ADP
bjmsr-453	235	5	random	random	ADJ
bjmsr-453	235	6	forest	forest	NOUN
bjmsr-453	235	7	model	model	NOUN
bjmsr-453	235	8	o	o	PROPN
bjmsr-453	235	9	overall	overall	ADJ
bjmsr-453	235	10	accuracy	accuracy	NOUN
bjmsr-453	235	11	:	:	PUNCT
bjmsr-453	235	12	95.6	95.6	NUM
bjmsr-453	235	13	%	%	NOUN
bjmsr-453	235	14	considering	consider	VERB
bjmsr-453	235	15	the	the	DET
bjmsr-453	235	16	plethora	plethora	NOUN
bjmsr-453	235	17	of	of	ADP
bjmsr-453	235	18	variables	variable	NOUN
bjmsr-453	235	19	,	,	PUNCT
bjmsr-453	235	20	among	among	ADP
bjmsr-453	235	21	which	which	PRON
bjmsr-453	235	22	the	the	DET
bjmsr-453	235	23	less	less	ADV
bjmsr-453	235	24	relevant	relevant	ADJ
bjmsr-453	235	25	variables	variable	NOUN
bjmsr-453	235	26	may	may	AUX
bjmsr-453	235	27	affect	affect	VERB
bjmsr-453	235	28	the	the	DET
bjmsr-453	235	29	training	training	NOUN
bjmsr-453	235	30	effect	effect	NOUN
bjmsr-453	235	31	of	of	ADP
bjmsr-453	235	32	the	the	DET
bjmsr-453	235	33	model	model	NOUN
bjmsr-453	235	34	,	,	PUNCT
bjmsr-453	235	35	resulting	result	VERB
bjmsr-453	235	36	in	in	ADP
bjmsr-453	235	37	the	the	DET
bjmsr-453	235	38	quasi	quasi	NOUN
bjmsr-453	235	39	-	-	NOUN
bjmsr-453	235	40	prediction	prediction	NOUN
bjmsr-453	235	41	decreased	decrease	VERB
bjmsr-453	235	42	certainty	certainty	NOUN
bjmsr-453	235	43	.	.	PUNCT
bjmsr-453	236	1	therefore	therefore	ADV
bjmsr-453	236	2	,	,	PUNCT
bjmsr-453	236	3	we	we	PRON
bjmsr-453	236	4	consider	consider	VERB
bjmsr-453	236	5	eliminating	eliminate	VERB
bjmsr-453	236	6	some	some	DET
bjmsr-453	236	7	irrelevant	irrelevant	ADJ
bjmsr-453	236	8	variables	variable	NOUN
bjmsr-453	236	9	step	step	VERB
bjmsr-453	236	10	by	by	ADP
bjmsr-453	236	11	step	step	NOUN
bjmsr-453	236	12	to	to	PART
bjmsr-453	236	13	make	make	VERB
bjmsr-453	236	14	the	the	DET
bjmsr-453	236	15	model	model	NOUN
bjmsr-453	236	16	achieve	achieve	VERB
bjmsr-453	236	17	the	the	DET
bjmsr-453	236	18	best	good	ADJ
bjmsr-453	236	19	prediction	prediction	NOUN
bjmsr-453	236	20	effect	effect	NOUN
bjmsr-453	236	21	.	.	PUNCT
bjmsr-453	237	1	according	accord	VERB
bjmsr-453	237	2	to	to	ADP
bjmsr-453	237	3	sen	sen	PROPN
bjmsr-453	237	4	,	,	PUNCT
bjmsr-453	237	5	the	the	DET
bjmsr-453	237	6	particular	particular	ADJ
bjmsr-453	237	7	importance	importance	NOUN
bjmsr-453	237	8	of	of	ADP
bjmsr-453	237	9	forest	forest	NOUN
bjmsr-453	237	10	variables	variable	NOUN
bjmsr-453	237	11	is	be	AUX
bjmsr-453	237	12	deleted	delete	VERB
bjmsr-453	237	13	from	from	ADP
bjmsr-453	237	14	small	small	ADJ
bjmsr-453	237	15	to	to	ADP
bjmsr-453	237	16	large	large	ADJ
bjmsr-453	237	17	.	.	PUNCT
bjmsr-453	238	1	the	the	DET
bjmsr-453	238	2	screening	screening	NOUN
bjmsr-453	238	3	rule	rule	NOUN
bjmsr-453	238	4	is	be	AUX
bjmsr-453	238	5	to	to	PART
bjmsr-453	238	6	eliminate	eliminate	VERB
bjmsr-453	238	7	the	the	DET
bjmsr-453	238	8	variables	variable	NOUN
bjmsr-453	238	9	with	with	ADP
bjmsr-453	238	10	the	the	DET
bjmsr-453	238	11	lowest	low	ADJ
bjmsr-453	238	12	degree	degree	NOUN
bjmsr-453	238	13	of	of	ADP
bjmsr-453	238	14	correlation	correlation	NOUN
bjmsr-453	238	15	based	base	VERB
bjmsr-453	238	16	on	on	ADP
bjmsr-453	238	17	the	the	DET
bjmsr-453	238	18	importance	importance	NOUN
bjmsr-453	238	19	of	of	ADP
bjmsr-453	238	20	each	each	DET
bjmsr-453	238	21	variable	variable	NOUN
bjmsr-453	238	22	,	,	PUNCT
bjmsr-453	238	23	as	as	SCONJ
bjmsr-453	238	24	shown	show	VERB
bjmsr-453	238	25	in	in	ADP
bjmsr-453	238	26	the	the	DET
bjmsr-453	238	27	figure	figure	NOUN
bjmsr-453	238	28	,	,	PUNCT
bjmsr-453	238	29	and	and	CCONJ
bjmsr-453	238	30	to	to	PART
bjmsr-453	238	31	eliminate	eliminate	VERB
bjmsr-453	238	32	x2	x2	PROPN
bjmsr-453	238	33	(	(	PUNCT
bjmsr-453	238	34	whether	whether	SCONJ
bjmsr-453	238	35	local	local	ADJ
bjmsr-453	238	36	or	or	CCONJ
bjmsr-453	238	37	not	not	PART
bjmsr-453	238	38	)	)	PUNCT
bjmsr-453	238	39	with	with	ADP
bjmsr-453	238	40	the	the	DET
bjmsr-453	238	41	lowest	low	ADJ
bjmsr-453	238	42	degree	degree	NOUN
bjmsr-453	238	43	of	of	ADP
bjmsr-453	238	44	correlation	correlation	NOUN
bjmsr-453	238	45	.	.	PUNCT
bjmsr-453	239	1	figure	figure	NOUN
bjmsr-453	239	2	6	6	NUM
bjmsr-453	239	3	.	.	PUNCT
bjmsr-453	239	4	importance	importance	NOUN
bjmsr-453	239	5	of	of	ADP
bjmsr-453	239	6	each	each	DET
bjmsr-453	239	7	variable	variable	ADJ
bjmsr-453	239	8	original	original	ADJ
bjmsr-453	239	9	result	result	NOUN
bjmsr-453	239	10	training	training	NOUN
bjmsr-453	239	11	results	result	NOUN
bjmsr-453	239	12	prediction	prediction	NOUN
bjmsr-453	239	13	accuracy	accuracy	NOUN
bjmsr-453	239	14	0	0	NUM
bjmsr-453	240	1	1	1	NUM
bjmsr-453	240	2	0	0	NUM
bjmsr-453	240	3	15449	15449	NUM
bjmsr-453	240	4	15449	15449	NUM
bjmsr-453	240	5	0	0	NUM
bjmsr-453	240	6	100	100	NUM
bjmsr-453	240	7	%	%	NOUN
bjmsr-453	240	8	1	1	NUM
bjmsr-453	240	9	708	708	NUM
bjmsr-453	240	10	708	708	NUM
bjmsr-453	240	11	0	0	NUM
bjmsr-453	240	12	0	0	NUM
bjmsr-453	240	13	%	%	NOUN
bjmsr-453	240	14	copyright	copyright	NOUN
bjmsr-453	240	15	©	©	PROPN
bjmsr-453	240	16	cc	cc	NOUN
bjmsr-453	240	17	-	-	PUNCT
bjmsr-453	240	18	by	by	ADP
bjmsr-453	240	19	-	-	PUNCT
bjmsr-453	240	20	nc	nc	PROPN
bjmsr-453	240	21	2020	2020	NUM
bjmsr-453	240	22	,	,	PUNCT
bjmsr-453	240	23	cribfb	cribfb	PROPN
bjmsr-453	240	24	|bjmsr	|bjmsr	PROPN
bjmsr-453	240	25	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	241	1	bangladesh	bangladesh	PROPN
bjmsr-453	241	2	journal	journal	PROPN
bjmsr-453	241	3	of	of	ADP
bjmsr-453	241	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	241	5	scientific	scientific	ADJ
bjmsr-453	241	6	research	research	NOUN
bjmsr-453	241	7	vol	vol	NOUN
bjmsr-453	241	8	.	.	PROPN
bjmsr-453	242	1	2	2	NUM
bjmsr-453	242	2	,	,	PUNCT
bjmsr-453	242	3	no	no	INTJ
bjmsr-453	242	4	.	.	NOUN
bjmsr-453	242	5	1	1	NUM
bjmsr-453	242	6	;	;	PUNCT
bjmsr-453	242	7	2020	2020	NUM
bjmsr-453	242	8	16	16	NUM
bjmsr-453	242	9	through	through	ADP
bjmsr-453	242	10	analysis	analysis	NOUN
bjmsr-453	242	11	,	,	PUNCT
bjmsr-453	242	12	it	it	PRON
bjmsr-453	242	13	is	be	AUX
bjmsr-453	242	14	found	find	VERB
bjmsr-453	242	15	that	that	SCONJ
bjmsr-453	242	16	no	no	ADV
bjmsr-453	242	17	matter	matter	ADV
bjmsr-453	242	18	several	several	ADJ
bjmsr-453	242	19	variables	variable	NOUN
bjmsr-453	242	20	are	be	AUX
bjmsr-453	242	21	eliminated	eliminate	VERB
bjmsr-453	242	22	;	;	PUNCT
bjmsr-453	242	23	the	the	DET
bjmsr-453	242	24	training	training	NOUN
bjmsr-453	242	25	results	result	NOUN
bjmsr-453	242	26	are	be	AUX
bjmsr-453	242	27	shown	show	VERB
bjmsr-453	242	28	in	in	ADP
bjmsr-453	242	29	the	the	DET
bjmsr-453	242	30	figure	figure	NOUN
bjmsr-453	242	31	6	6	NUM
bjmsr-453	242	32	.	.	PUNCT
bjmsr-453	242	33	selection	selection	NOUN
bjmsr-453	242	34	trees	tree	NOUN
bjmsr-453	242	35	for	for	ADP
bjmsr-453	242	36	test	test	NOUN
bjmsr-453	242	37	.	.	PUNCT
bjmsr-453	243	1	this	this	DET
bjmsr-453	243	2	chapter	chapter	NOUN
bjmsr-453	243	3	selects	select	VERB
bjmsr-453	243	4	in	in	ADP
bjmsr-453	243	5	order	order	NOUN
bjmsr-453	243	6	to	to	PART
bjmsr-453	243	7	investigate	investigate	VERB
bjmsr-453	243	8	the	the	DET
bjmsr-453	243	9	influence	influence	NOUN
bjmsr-453	243	10	of	of	ADP
bjmsr-453	243	11	the	the	DET
bjmsr-453	243	12	number	number	NOUN
bjmsr-453	243	13	of	of	ADP
bjmsr-453	243	14	trees	tree	NOUN
bjmsr-453	243	15	selected	select	VERB
bjmsr-453	243	16	on	on	ADP
bjmsr-453	243	17	the	the	DET
bjmsr-453	243	18	accuracy	accuracy	NOUN
bjmsr-453	243	19	of	of	ADP
bjmsr-453	243	20	judgment	judgment	NOUN
bjmsr-453	243	21	,	,	PUNCT
bjmsr-453	243	22	200	200	NUM
bjmsr-453	243	23	trees	tree	NOUN
bjmsr-453	243	24	are	be	AUX
bjmsr-453	243	25	selected	select	VERB
bjmsr-453	243	26	.	.	PUNCT
bjmsr-453	244	1	the	the	DET
bjmsr-453	244	2	results	result	NOUN
bjmsr-453	244	3	are	be	AUX
bjmsr-453	244	4	shown	show	VERB
bjmsr-453	244	5	as	as	SCONJ
bjmsr-453	244	6	follows	follow	VERB
bjmsr-453	244	7	:	:	PUNCT
bjmsr-453	244	8	figure	figure	VERB
bjmsr-453	244	9	7	7	NUM
bjmsr-453	244	10	.	.	PUNCT
bjmsr-453	244	11	verification	verification	NOUN
bjmsr-453	244	12	of	of	ADP
bjmsr-453	244	13	accuracy	accuracy	NOUN
bjmsr-453	244	14	as	as	ADP
bjmsr-453	244	15	figure	figure	NOUN
bjmsr-453	244	16	7	7	NUM
bjmsr-453	244	17	shown	show	VERB
bjmsr-453	244	18	above	above	ADP
bjmsr-453	244	19	,	,	PUNCT
bjmsr-453	244	20	the	the	DET
bjmsr-453	244	21	graph	graph	NOUN
bjmsr-453	244	22	abscissa	abscissa	NOUN
bjmsr-453	244	23	represents	represent	VERB
bjmsr-453	244	24	the	the	DET
bjmsr-453	244	25	number	number	NOUN
bjmsr-453	244	26	of	of	ADP
bjmsr-453	244	27	trees	tree	NOUN
bjmsr-453	244	28	,	,	PUNCT
bjmsr-453	244	29	and	and	CCONJ
bjmsr-453	244	30	the	the	DET
bjmsr-453	244	31	ordinate	ordinate	NOUN
bjmsr-453	244	32	represents	represent	VERB
bjmsr-453	244	33	the	the	DET
bjmsr-453	244	34	judgment	judgment	NOUN
bjmsr-453	244	35	error	error	NOUN
bjmsr-453	244	36	rate	rate	NOUN
bjmsr-453	244	37	of	of	ADP
bjmsr-453	244	38	the	the	DET
bjmsr-453	244	39	model	model	NOUN
bjmsr-453	244	40	,	,	PUNCT
bjmsr-453	244	41	where	where	SCONJ
bjmsr-453	244	42	green	green	PROPN
bjmsr-453	244	43	represents	represent	VERB
bjmsr-453	244	44	the	the	DET
bjmsr-453	244	45	error	error	NOUN
bjmsr-453	244	46	rate	rate	NOUN
bjmsr-453	244	47	of	of	ADP
bjmsr-453	244	48	the	the	DET
bjmsr-453	244	49	model	model	NOUN
bjmsr-453	244	50	-	-	PUNCT
bjmsr-453	244	51	predicted	predict	VERB
bjmsr-453	244	52	deferred	deferred	ADJ
bjmsr-453	244	53	repayment	repayment	NOUN
bjmsr-453	244	54	,	,	PUNCT
bjmsr-453	244	55	red	red	NOUN
bjmsr-453	244	56	represents	represent	VERB
bjmsr-453	244	57	the	the	DET
bjmsr-453	244	58	error	error	NOUN
bjmsr-453	244	59	rate	rate	NOUN
bjmsr-453	244	60	of	of	ADP
bjmsr-453	244	61	the	the	DET
bjmsr-453	244	62	model	model	NOUN
bjmsr-453	244	63	-	-	PUNCT
bjmsr-453	244	64	predicted	predict	VERB
bjmsr-453	244	65	on	on	ADP
bjmsr-453	244	66	-	-	PUNCT
bjmsr-453	244	67	time	time	NOUN
bjmsr-453	244	68	repayment	repayment	NOUN
bjmsr-453	244	69	,	,	PUNCT
bjmsr-453	244	70	and	and	CCONJ
bjmsr-453	244	71	black	black	ADJ
bjmsr-453	244	72	represents	represent	VERB
bjmsr-453	244	73	the	the	DET
bjmsr-453	244	74	overall	overall	ADJ
bjmsr-453	244	75	error	error	NOUN
bjmsr-453	244	76	rate	rate	NOUN
bjmsr-453	244	77	.	.	PUNCT
bjmsr-453	245	1	according	accord	VERB
bjmsr-453	245	2	to	to	ADP
bjmsr-453	245	3	the	the	DET
bjmsr-453	245	4	figure	figure	NOUN
bjmsr-453	245	5	above	above	ADV
bjmsr-453	245	6	,	,	PUNCT
bjmsr-453	245	7	the	the	DET
bjmsr-453	245	8	error	error	NOUN
bjmsr-453	245	9	rate	rate	NOUN
bjmsr-453	245	10	is	be	AUX
bjmsr-453	245	11	the	the	DET
bjmsr-453	245	12	same	same	ADJ
bjmsr-453	245	13	regardless	regardless	ADV
bjmsr-453	245	14	of	of	ADP
bjmsr-453	245	15	the	the	DET
bjmsr-453	245	16	number	number	NOUN
bjmsr-453	245	17	of	of	ADP
bjmsr-453	245	18	trees	tree	NOUN
bjmsr-453	245	19	.	.	PUNCT
bjmsr-453	246	1	table	table	NOUN
bjmsr-453	246	2	22.random	22.random	NUM
bjmsr-453	246	3	forest	forest	NOUN
bjmsr-453	246	4	model	model	NOUN
bjmsr-453	246	5	training	training	NOUN
bjmsr-453	246	6	final	final	ADJ
bjmsr-453	246	7	results	result	NOUN
bjmsr-453	246	8	original	original	ADJ
bjmsr-453	246	9	results	result	NOUN
bjmsr-453	246	10	training	training	NOUN
bjmsr-453	246	11	results	result	NOUN
bjmsr-453	246	12	prediction	prediction	NOUN
bjmsr-453	246	13	accuracy	accuracy	NOUN
bjmsr-453	246	14	0	0	NUM
bjmsr-453	247	1	1	1	NUM
bjmsr-453	247	2	0	0	NUM
bjmsr-453	247	3	15449	15449	NUM
bjmsr-453	247	4	15449	15449	NUM
bjmsr-453	247	5	0	0	NUM
bjmsr-453	247	6	100	100	NUM
bjmsr-453	247	7	%	%	NOUN
bjmsr-453	247	8	1	1	NUM
bjmsr-453	247	9	708	708	NUM
bjmsr-453	247	10	708	708	NUM
bjmsr-453	247	11	0	0	NUM
bjmsr-453	247	12	0	0	NUM
bjmsr-453	247	13	%	%	NOUN
bjmsr-453	247	14	overall	overall	ADJ
bjmsr-453	247	15	accuracy	accuracy	NOUN
bjmsr-453	247	16	:	:	PUNCT
bjmsr-453	247	17	95.6	95.6	NUM
bjmsr-453	247	18	%	%	NOUN
bjmsr-453	247	19	from	from	ADP
bjmsr-453	247	20	the	the	DET
bjmsr-453	247	21	prediction	prediction	NOUN
bjmsr-453	247	22	results	result	NOUN
bjmsr-453	247	23	in	in	ADP
bjmsr-453	247	24	table	table	NOUN
bjmsr-453	247	25	22	22	NUM
bjmsr-453	247	26	,	,	PUNCT
bjmsr-453	247	27	it	it	PRON
bjmsr-453	247	28	can	can	AUX
bjmsr-453	247	29	be	be	AUX
bjmsr-453	247	30	seen	see	VERB
bjmsr-453	247	31	that	that	SCONJ
bjmsr-453	247	32	the	the	DET
bjmsr-453	247	33	overall	overall	ADJ
bjmsr-453	247	34	prediction	prediction	NOUN
bjmsr-453	247	35	of	of	ADP
bjmsr-453	247	36	the	the	DET
bjmsr-453	247	37	model	model	NOUN
bjmsr-453	247	38	the	the	DET
bjmsr-453	247	39	accuracy	accuracy	NOUN
bjmsr-453	247	40	rate	rate	NOUN
bjmsr-453	247	41	is	be	AUX
bjmsr-453	247	42	95.6	95.6	NUM
bjmsr-453	247	43	%	%	NOUN
bjmsr-453	247	44	,	,	PUNCT
bjmsr-453	247	45	of	of	ADP
bjmsr-453	247	46	which	which	PRON
bjmsr-453	247	47	the	the	DET
bjmsr-453	247	48	judgment	judgment	NOUN
bjmsr-453	247	49	of	of	ADP
bjmsr-453	247	50	the	the	DET
bjmsr-453	247	51	people	people	NOUN
bjmsr-453	247	52	who	who	PRON
bjmsr-453	247	53	repay	repay	VERB
bjmsr-453	247	54	on	on	ADP
bjmsr-453	247	55	time	time	NOUN
bjmsr-453	247	56	is	be	AUX
bjmsr-453	247	57	more	more	ADV
bjmsr-453	247	58	accurate	accurate	ADJ
bjmsr-453	247	59	,	,	PUNCT
bjmsr-453	247	60	and	and	CCONJ
bjmsr-453	247	61	its	its	PRON
bjmsr-453	247	62	prediction	prediction	NOUN
bjmsr-453	247	63	accuracy	accuracy	NOUN
bjmsr-453	247	64	up	up	ADP
bjmsr-453	247	65	to	to	PART
bjmsr-453	247	66	100	100	NUM
bjmsr-453	247	67	%	%	NOUN
bjmsr-453	247	68	;	;	PUNCT
bjmsr-453	247	69	and	and	CCONJ
bjmsr-453	247	70	the	the	DET
bjmsr-453	247	71	prediction	prediction	NOUN
bjmsr-453	247	72	accuracy	accuracy	NOUN
bjmsr-453	247	73	for	for	ADP
bjmsr-453	247	74	the	the	DET
bjmsr-453	247	75	deferred	defer	VERB
bjmsr-453	247	76	payoff	payoff	NOUN
bjmsr-453	247	77	population	population	NOUN
bjmsr-453	247	78	is	be	AUX
bjmsr-453	247	79	very	very	ADV
bjmsr-453	247	80	low	low	ADJ
bjmsr-453	247	81	,	,	PUNCT
bjmsr-453	247	82	i.e.	i.e.	X
bjmsr-453	247	83	,	,	PUNCT
bjmsr-453	247	84	is	be	AUX
bjmsr-453	247	85	0	0	NUM
bjmsr-453	247	86	%	%	NOUN
bjmsr-453	247	87	.	.	PUNCT
bjmsr-453	248	1	the	the	DET
bjmsr-453	248	2	reason	reason	NOUN
bjmsr-453	248	3	for	for	ADP
bjmsr-453	248	4	this	this	DET
bjmsr-453	248	5	result	result	NOUN
bjmsr-453	248	6	may	may	AUX
bjmsr-453	248	7	also	also	ADV
bjmsr-453	248	8	be	be	AUX
bjmsr-453	248	9	related	relate	VERB
bjmsr-453	248	10	to	to	ADP
bjmsr-453	248	11	the	the	DET
bjmsr-453	248	12	selection	selection	NOUN
bjmsr-453	248	13	of	of	ADP
bjmsr-453	248	14	sample	sample	NOUN
bjmsr-453	248	15	size	size	NOUN
bjmsr-453	248	16	.	.	PUNCT
bjmsr-453	249	1	7.2	7.2	NUM
bjmsr-453	249	2	discriminate	discriminate	VERB
bjmsr-453	249	3	analysis	analysis	NOUN
bjmsr-453	249	4	currently	currently	ADV
bjmsr-453	249	5	,	,	PUNCT
bjmsr-453	249	6	according	accord	VERB
bjmsr-453	249	7	to	to	ADP
bjmsr-453	249	8	the	the	DET
bjmsr-453	249	9	previous	previous	ADJ
bjmsr-453	249	10	analysis	analysis	NOUN
bjmsr-453	249	11	,	,	PUNCT
bjmsr-453	249	12	the	the	DET
bjmsr-453	249	13	test	test	NOUN
bjmsr-453	249	14	results	result	NOUN
bjmsr-453	249	15	of	of	ADP
bjmsr-453	249	16	the	the	DET
bjmsr-453	249	17	person	person	NOUN
bjmsr-453	249	18	correlation	correlation	NOUN
bjmsr-453	249	19	coefficient	coefficient	NOUN
bjmsr-453	249	20	test	test	NOUN
bjmsr-453	249	21	and	and	CCONJ
bjmsr-453	249	22	analysis	analysis	NOUN
bjmsr-453	249	23	are	be	AUX
bjmsr-453	249	24	selected	select	VERB
bjmsr-453	249	25	according	accord	VERB
bjmsr-453	249	26	to	to	ADP
bjmsr-453	249	27	the	the	DET
bjmsr-453	249	28	explained	explain	VERB
bjmsr-453	249	29	variables	variable	NOUN
bjmsr-453	249	30	(	(	PUNCT
bjmsr-453	249	31	whether	whether	SCONJ
bjmsr-453	249	32	to	to	PART
bjmsr-453	249	33	postpone	postpone	VERB
bjmsr-453	249	34	repayment	repayment	NOUN
bjmsr-453	249	35	)	)	PUNCT
bjmsr-453	249	36	.	.	PUNCT
bjmsr-453	250	1	significant	significant	ADJ
bjmsr-453	250	2	correlative	correlative	ADJ
bjmsr-453	250	3	relationship	relationship	NOUN
bjmsr-453	250	4	1	1	NUM
bjmsr-453	250	5	one	one	NUM
bjmsr-453	250	6	variable	variable	NOUN
bjmsr-453	250	7	served	serve	VERB
bjmsr-453	250	8	as	as	ADP
bjmsr-453	250	9	its	its	PRON
bjmsr-453	250	10	observed	observed	ADJ
bjmsr-453	250	11	indicator	indicator	NOUN
bjmsr-453	250	12	.	.	PUNCT
bjmsr-453	251	1	these	these	DET
bjmsr-453	251	2	variables	variable	NOUN
bjmsr-453	251	3	are	be	AUX
bjmsr-453	251	4	,	,	PUNCT
bjmsr-453	251	5	respectively	respectively	ADV
bjmsr-453	251	6	,	,	PUNCT
bjmsr-453	251	7	x1	x1	PROPN
bjmsr-453	251	8	,	,	PUNCT
bjmsr-453	251	9	x	x	PROPN
bjmsr-453	251	10	3	3	NUM
bjmsr-453	251	11	,	,	PUNCT
bjmsr-453	251	12	x	x	X
bjmsr-453	251	13	5	5	NUM
bjmsr-453	251	14	,	,	PUNCT
bjmsr-453	251	15	x8	x8	PROPN
bjmsr-453	251	16	,	,	PUNCT
bjmsr-453	251	17	x9	x9	PROPN
bjmsr-453	251	18	,	,	PUNCT
bjmsr-453	251	19	x10	x10	NOUN
bjmsr-453	251	20	,	,	PUNCT
bjmsr-453	251	21	x11	x11	PROPN
bjmsr-453	251	22	,	,	PUNCT
bjmsr-453	251	23	x12	x12	NUM
bjmsr-453	251	24	,	,	PUNCT
bjmsr-453	251	25	x1	x1	PROPN
bjmsr-453	251	26	3	3	NUM
bjmsr-453	251	27	,	,	PUNCT
bjmsr-453	251	28	x1	x1	PROPN
bjmsr-453	251	29	4	4	NUM
bjmsr-453	251	30	,	,	PUNCT
bjmsr-453	251	31	x1	x1	PROPN
bjmsr-453	251	32	5	5	NUM
bjmsr-453	251	33	,	,	PUNCT
bjmsr-453	251	34	the	the	DET
bjmsr-453	251	35	data	datum	NOUN
bjmsr-453	251	36	from	from	ADP
bjmsr-453	251	37	the	the	DET
bjmsr-453	251	38	samples	sample	NOUN
bjmsr-453	251	39	containing	contain	VERB
bjmsr-453	251	40	agents	agent	NOUN
bjmsr-453	251	41	without	without	ADP
bjmsr-453	251	42	missing	miss	VERB
bjmsr-453	251	43	data	datum	NOUN
bjmsr-453	251	44	were	be	AUX
bjmsr-453	251	45	used	use	VERB
bjmsr-453	251	46	as	as	ADP
bjmsr-453	251	47	the	the	DET
bjmsr-453	251	48	training	training	NOUN
bjmsr-453	251	49	set	set	VERB
bjmsr-453	251	50	data	datum	NOUN
bjmsr-453	251	51	.	.	PUNCT
bjmsr-453	252	1	run	run	VERB
bjmsr-453	252	2	through	through	ADP
bjmsr-453	252	3	discriminate	discriminate	ADJ
bjmsr-453	252	4	analysis	analysis	NOUN
bjmsr-453	252	5	was	be	AUX
bjmsr-453	252	6	performed	perform	VERB
bjmsr-453	252	7	by	by	ADP
bjmsr-453	252	8	spss	spss	PROPN
bjmsr-453	252	9	23.0	23.0	NUM
bjmsr-453	252	10	software	software	NOUN
bjmsr-453	252	11	,	,	PUNCT
bjmsr-453	252	12	after	after	ADP
bjmsr-453	252	13	which	which	PRON
bjmsr-453	252	14	the	the	DET
bjmsr-453	252	15	results	result	NOUN
bjmsr-453	252	16	of	of	ADP
bjmsr-453	252	17	the	the	DET
bjmsr-453	252	18	discriminate	discriminate	ADJ
bjmsr-453	252	19	analysis	analysis	NOUN
bjmsr-453	252	20	were	be	AUX
bjmsr-453	252	21	output	output	NOUN
bjmsr-453	252	22	.	.	PUNCT
bjmsr-453	253	1	table	table	NOUN
bjmsr-453	253	2	23.prediction	23.prediction	NUM
bjmsr-453	253	3	results	result	NOUN
bjmsr-453	253	4	of	of	ADP
bjmsr-453	253	5	discriminate	discriminate	VERB
bjmsr-453	253	6	analysis	analysis	NOUN
bjmsr-453	253	7	original	original	ADJ
bjmsr-453	253	8	results	result	NOUN
bjmsr-453	253	9	prediction	prediction	NOUN
bjmsr-453	253	10	results	result	VERB
bjmsr-453	253	11	prediction	prediction	NOUN
bjmsr-453	253	12	accuracy	accuracy	NOUN
bjmsr-453	253	13	rate	rate	NOUN
bjmsr-453	253	14	0	0	NUM
bjmsr-453	253	15	1	1	NUM
bjmsr-453	253	16	0	0	NUM
bjmsr-453	253	17	19239	19239	NUM
bjmsr-453	253	18	14531	14531	NUM
bjmsr-453	253	19	4708	4708	NUM
bjmsr-453	253	20	75.5	75.5	NUM
bjmsr-453	253	21	%	%	NOUN
bjmsr-453	253	22	1	1	NUM
bjmsr-453	253	23	895	895	NUM
bjmsr-453	253	24	216	216	NUM
bjmsr-453	253	25	679	679	NUM
bjmsr-453	253	26	75.9	75.9	NUM
bjmsr-453	253	27	%	%	NOUN
bjmsr-453	253	28	overall	overall	ADJ
bjmsr-453	253	29	accuracy	accuracy	NOUN
bjmsr-453	253	30	:	:	PUNCT
bjmsr-453	254	1	75.5	75.5	NUM
bjmsr-453	254	2	%	%	NOUN
bjmsr-453	254	3	copyright	copyright	NOUN
bjmsr-453	254	4	©	©	PROPN
bjmsr-453	254	5	cc	cc	NOUN
bjmsr-453	254	6	-	-	PUNCT
bjmsr-453	254	7	by	by	ADP
bjmsr-453	254	8	-	-	PUNCT
bjmsr-453	254	9	nc	nc	PROPN
bjmsr-453	254	10	2020	2020	NUM
bjmsr-453	254	11	,	,	PUNCT
bjmsr-453	254	12	cribfb	cribfb	PROPN
bjmsr-453	254	13	|bjmsr	|bjmsr	PROPN
bjmsr-453	254	14	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	255	1	bangladesh	bangladesh	PROPN
bjmsr-453	255	2	journal	journal	PROPN
bjmsr-453	255	3	of	of	ADP
bjmsr-453	255	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	255	5	scientific	scientific	ADJ
bjmsr-453	255	6	research	research	NOUN
bjmsr-453	255	7	vol	vol	NOUN
bjmsr-453	255	8	.	.	PROPN
bjmsr-453	256	1	2	2	NUM
bjmsr-453	256	2	,	,	PUNCT
bjmsr-453	256	3	no	no	INTJ
bjmsr-453	256	4	.	.	NOUN
bjmsr-453	256	5	1	1	NUM
bjmsr-453	256	6	;	;	PUNCT
bjmsr-453	256	7	2020	2020	NUM
bjmsr-453	256	8	17	17	NUM
bjmsr-453	256	9	7.3	7.3	NUM
bjmsr-453	256	10	logistic	logistic	ADJ
bjmsr-453	256	11	regression	regression	NOUN
bjmsr-453	256	12	analysis	analysis	NOUN
bjmsr-453	256	13	of	of	ADP
bjmsr-453	256	14	entropy	entropy	NOUN
bjmsr-453	256	15	weight	weight	NOUN
bjmsr-453	256	16	method	method	NOUN
bjmsr-453	256	17	:	:	PUNCT
bjmsr-453	256	18	according	accord	VERB
bjmsr-453	256	19	to	to	ADP
bjmsr-453	256	20	the	the	DET
bjmsr-453	256	21	research	research	NOUN
bjmsr-453	256	22	method	method	NOUN
bjmsr-453	256	23	mentioned	mention	VERB
bjmsr-453	256	24	above	above	ADV
bjmsr-453	256	25	,	,	PUNCT
bjmsr-453	256	26	the	the	DET
bjmsr-453	256	27	result	result	NOUN
bjmsr-453	256	28	of	of	ADP
bjmsr-453	256	29	entropy	entropy	PROPN
bjmsr-453	256	30	weight	weight	NOUN
bjmsr-453	256	31	method	method	NOUN
bjmsr-453	256	32	is	be	AUX
bjmsr-453	256	33	:	:	PUNCT
bjmsr-453	256	34	table	table	NOUN
bjmsr-453	256	35	24.entropy	24.entropy	NUM
bjmsr-453	256	36	weighting	weighting	NOUN
bjmsr-453	256	37	results	result	NOUN
bjmsr-453	256	38	variables	variable	VERB
bjmsr-453	256	39	name	name	NOUN
bjmsr-453	256	40	of	of	ADP
bjmsr-453	256	41	variable	variable	ADJ
bjmsr-453	256	42	weight	weight	NOUN
bjmsr-453	256	43	number	number	NOUN
bjmsr-453	256	44	x1	x1	NUM
bjmsr-453	256	45	load	load	NOUN
bjmsr-453	256	46	date	date	NOUN
bjmsr-453	256	47	sort	sort	NOUN
bjmsr-453	256	48	0.095096	0.095096	NUM
bjmsr-453	256	49	x2	x2	NOUN
bjmsr-453	256	50	is_local	is_local	ADJ
bjmsr-453	256	51	0.097815	0.097815	NUM
bjmsr-453	256	52	x3	x3	PROPN
bjmsr-453	256	53	edu_level	edu_level	VERB
bjmsr-453	256	54	0.131457	0.131457	NUM
bjmsr-453	256	55	x5	x5	NOUN
bjmsr-453	256	56	has_fund	has_fund	ADP
bjmsr-453	256	57	0.102543	0.102543	NUM
bjmsr-453	256	58	x6	x6	NOUN
bjmsr-453	256	59	gender	gender	NOUN
bjmsr-453	256	60	0.088183	0.088183	NUM
bjmsr-453	256	61	x7	x7	NOUN
bjmsr-453	256	62	gross	gross	ADJ
bjmsr-453	256	63	domestic	domestic	ADJ
bjmsr-453	256	64	product	product	NOUN
bjmsr-453	256	65	0.089162	0.089162	NUM
bjmsr-453	256	66	x8	x8	PROPN
bjmsr-453	256	67	disposable	disposable	ADJ
bjmsr-453	256	68	income	income	NOUN
bjmsr-453	256	69	per	per	ADP
bjmsr-453	256	70	capita	capita	X
bjmsr-453	256	71	0.07671	0.07671	NUM
bjmsr-453	256	72	x9	x9	NOUN
bjmsr-453	256	73	per	per	ADP
bjmsr-453	256	74	capita	capita	X
bjmsr-453	256	75	consumption	consumption	NOUN
bjmsr-453	256	76	expenditure	expenditure	NOUN
bjmsr-453	256	77	0.084632	0.084632	NUM
bjmsr-453	256	78	x10	x10	PRON
bjmsr-453	256	79	regional	regional	ADJ
bjmsr-453	256	80	fixed	fix	VERB
bjmsr-453	256	81	assets	asset	NOUN
bjmsr-453	256	82	investment	investment	NOUN
bjmsr-453	256	83	0.088587	0.088587	NUM
bjmsr-453	256	84	x11	x11	PROPN
bjmsr-453	256	85	regional	regional	ADJ
bjmsr-453	256	86	fixed	fix	VERB
bjmsr-453	256	87	asset	asset	NOUN
bjmsr-453	256	88	investment	investment	NOUN
bjmsr-453	256	89	0.076631	0.076631	NUM
bjmsr-453	256	90	number	number	NOUN
bjmsr-453	256	91	x12	x12	NUM
bjmsr-453	256	92	unemployment	unemployment	NOUN
bjmsr-453	256	93	0.069183	0.069183	NUM
bjmsr-453	256	94	next	next	ADV
bjmsr-453	256	95	,	,	PUNCT
bjmsr-453	256	96	according	accord	VERB
bjmsr-453	256	97	to	to	ADP
bjmsr-453	256	98	the	the	DET
bjmsr-453	256	99	correlation	correlation	NOUN
bjmsr-453	256	100	coefficient	coefficient	NOUN
bjmsr-453	256	101	matrix	matrix	NOUN
bjmsr-453	256	102	between	between	ADP
bjmsr-453	256	103	the	the	DET
bjmsr-453	256	104	credit	credit	NOUN
bjmsr-453	256	105	index	index	NOUN
bjmsr-453	256	106	and	and	CCONJ
bjmsr-453	256	107	each	each	DET
bjmsr-453	256	108	factor	factor	NOUN
bjmsr-453	256	109	,	,	PUNCT
bjmsr-453	256	110	if	if	SCONJ
bjmsr-453	256	111	this	this	DET
bjmsr-453	256	112	correlation	correlation	NOUN
bjmsr-453	256	113	coefficient	coefficient	NOUN
bjmsr-453	256	114	is	be	AUX
bjmsr-453	256	115	positive	positive	ADJ
bjmsr-453	256	116	,	,	PUNCT
bjmsr-453	256	117	then	then	ADV
bjmsr-453	256	118	this	this	DET
bjmsr-453	256	119	factor	factor	NOUN
bjmsr-453	256	120	entropy	entropy	VERB
bjmsr-453	256	121	weight	weight	NOUN
bjmsr-453	256	122	is	be	AUX
bjmsr-453	256	123	also	also	ADV
bjmsr-453	256	124	positive	positive	ADJ
bjmsr-453	256	125	if	if	SCONJ
bjmsr-453	256	126	this	this	DET
bjmsr-453	256	127	correlation	correlation	NOUN
bjmsr-453	256	128	coefficient	coefficient	NOUN
bjmsr-453	256	129	is	be	AUX
bjmsr-453	256	130	negative	negative	ADJ
bjmsr-453	256	131	,	,	PUNCT
bjmsr-453	256	132	the	the	DET
bjmsr-453	256	133	factor	factor	NOUN
bjmsr-453	256	134	entropy	entropy	NOUN
bjmsr-453	256	135	weight	weight	NOUN
bjmsr-453	256	136	is	be	AUX
bjmsr-453	256	137	also	also	ADV
bjmsr-453	256	138	negative	negative	ADJ
bjmsr-453	256	139	.	.	PUNCT
bjmsr-453	256	140	table	table	NOUN
bjmsr-453	256	141	25	25	NUM
bjmsr-453	256	142	.	.	PUNCT
bjmsr-453	256	143	user	user	NOUN
bjmsr-453	256	144	credit	credit	NOUN
bjmsr-453	256	145	index	index	NOUN
bjmsr-453	256	146	weighting	weight	VERB
bjmsr-453	256	147	variable	variable	ADJ
bjmsr-453	256	148	variable	variable	ADJ
bjmsr-453	256	149	name	name	NOUN
bjmsr-453	256	150	weight	weight	NOUN
bjmsr-453	257	1	x1	x1	PROPN
bjmsr-453	257	2	load	load	NOUN
bjmsr-453	257	3	date	date	NOUN
bjmsr-453	257	4	sort	sort	NOUN
bjmsr-453	257	5	+	+	CCONJ
bjmsr-453	257	6	0.095096	0.095096	NUM
bjmsr-453	257	7	x2	x2	NOUN
bjmsr-453	257	8	is_local	is_local	ADJ
bjmsr-453	257	9	+	+	CCONJ
bjmsr-453	257	10	0.097815	0.097815	NUM
bjmsr-453	257	11	x3	x3	NOUN
bjmsr-453	257	12	edu_level	edu_level	VERB
bjmsr-453	257	13	0.131457	0.131457	NUM
bjmsr-453	257	14	x5	x5	NOUN
bjmsr-453	257	15	has_fund	has_fund	NOUN
bjmsr-453	257	16	+	+	NOUN
bjmsr-453	257	17	0.102543	0.102543	NUM
bjmsr-453	257	18	x6	x6	NOUN
bjmsr-453	257	19	gender	gender	NOUN
bjmsr-453	257	20	+	+	CCONJ
bjmsr-453	257	21	0.088183	0.088183	NUM
bjmsr-453	257	22	x7	x7	NOUN
bjmsr-453	257	23	gross	gross	ADJ
bjmsr-453	257	24	domestic	domestic	ADJ
bjmsr-453	257	25	product	product	NOUN
bjmsr-453	257	26	0.089162	0.089162	NUM
bjmsr-453	257	27	x8	x8	PROPN
bjmsr-453	257	28	disposable	disposable	ADJ
bjmsr-453	257	29	income	income	NOUN
bjmsr-453	257	30	per	per	ADP
bjmsr-453	257	31	capita	capita	NOUN
bjmsr-453	257	32	+	+	CCONJ
bjmsr-453	257	33	0.07671	0.07671	NUM
bjmsr-453	257	34	x9	x9	NOUN
bjmsr-453	257	35	per	per	ADP
bjmsr-453	257	36	capita	capita	X
bjmsr-453	257	37	consumption	consumption	NOUN
bjmsr-453	257	38	expenditure	expenditure	NOUN
bjmsr-453	257	39	0.084632	0.084632	NUM
bjmsr-453	257	40	x10	x10	PRON
bjmsr-453	257	41	regional	regional	ADJ
bjmsr-453	257	42	fixed	fix	VERB
bjmsr-453	257	43	assets	asset	NOUN
bjmsr-453	257	44	investment	investment	NOUN
bjmsr-453	257	45	0.088587	0.088587	NUM
bjmsr-453	257	46	x11	x11	PROPN
bjmsr-453	257	47	regional	regional	ADJ
bjmsr-453	257	48	fixed	fix	VERB
bjmsr-453	257	49	asset	asset	NOUN
bjmsr-453	257	50	investment	investment	NOUN
bjmsr-453	257	51	index	index	NOUN
bjmsr-453	257	52	0.076631	0.076631	NUM
bjmsr-453	257	53	x12	x12	NUM
bjmsr-453	257	54	unemployment	unemployment	NOUN
bjmsr-453	257	55	rate	rate	NOUN
bjmsr-453	257	56	0.069183	0.069183	NUM
bjmsr-453	257	57	copyright	copyright	NOUN
bjmsr-453	257	58	©	©	PROPN
bjmsr-453	257	59	cc	cc	NOUN
bjmsr-453	257	60	-	-	PUNCT
bjmsr-453	257	61	by	by	ADP
bjmsr-453	257	62	-	-	PUNCT
bjmsr-453	257	63	nc	nc	PROPN
bjmsr-453	257	64	2020	2020	NUM
bjmsr-453	257	65	,	,	PUNCT
bjmsr-453	257	66	cribfb	cribfb	PROPN
bjmsr-453	257	67	|bjmsr	|bjmsr	PROPN
bjmsr-453	257	68	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	257	69	bangladesh	bangladesh	PROPN
bjmsr-453	257	70	journal	journal	PROPN
bjmsr-453	257	71	of	of	ADP
bjmsr-453	257	72	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	257	73	scientific	scientific	ADJ
bjmsr-453	257	74	research	research	NOUN
bjmsr-453	257	75	vol	vol	NOUN
bjmsr-453	257	76	.	.	PROPN
bjmsr-453	258	1	2	2	NUM
bjmsr-453	258	2	,	,	PUNCT
bjmsr-453	258	3	no	no	INTJ
bjmsr-453	258	4	.	.	NOUN
bjmsr-453	258	5	1	1	NUM
bjmsr-453	258	6	;	;	PUNCT
bjmsr-453	258	7	2020	2020	NUM
bjmsr-453	258	8	18	18	NUM
bjmsr-453	258	9	7.4	7.4	NUM
bjmsr-453	258	10	logistic	logistic	ADJ
bjmsr-453	258	11	regression	regression	NOUN
bjmsr-453	258	12	significance	significance	NOUN
bjmsr-453	258	13	test	test	NOUN
bjmsr-453	258	14	:	:	PUNCT
bjmsr-453	258	15	the	the	DET
bjmsr-453	258	16	model	model	NOUN
bjmsr-453	258	17	was	be	AUX
bjmsr-453	258	18	performed	perform	VERB
bjmsr-453	258	19	using	use	VERB
bjmsr-453	258	20	spss	spss	PROPN
bjmsr-453	258	21	23.0	23.0	NUM
bjmsr-453	258	22	software	software	NOUN
bjmsr-453	258	23	logistic	logistic	ADJ
bjmsr-453	258	24	regression	regression	NOUN
bjmsr-453	258	25	,	,	PUNCT
bjmsr-453	258	26	including	include	VERB
bjmsr-453	258	27	all	all	DET
bjmsr-453	258	28	samples	sample	NOUN
bjmsr-453	258	29	containing	contain	VERB
bjmsr-453	258	30	agent	agent	NOUN
bjmsr-453	258	31	data	datum	NOUN
bjmsr-453	258	32	in	in	ADP
bjmsr-453	258	33	data	datum	NOUN
bjmsr-453	258	34	with	with	ADP
bjmsr-453	258	35	non	non	ADJ
bjmsr-453	258	36	-	-	ADJ
bjmsr-453	258	37	missing	missing	ADJ
bjmsr-453	258	38	values	value	NOUN
bjmsr-453	258	39	were	be	AUX
bjmsr-453	258	40	included	include	VERB
bjmsr-453	258	41	logistic	logistic	ADJ
bjmsr-453	258	42	binary	binary	ADJ
bjmsr-453	258	43	regression	regression	NOUN
bjmsr-453	258	44	equation	equation	NOUN
bjmsr-453	258	45	,	,	PUNCT
bjmsr-453	258	46	and	and	CCONJ
bjmsr-453	258	47	use	use	VERB
bjmsr-453	258	48	conditional	conditional	ADJ
bjmsr-453	258	49	forward	forward	ADJ
bjmsr-453	258	50	method	method	NOUN
bjmsr-453	258	51	to	to	PART
bjmsr-453	258	52	eliminate	eliminate	VERB
bjmsr-453	258	53	the	the	DET
bjmsr-453	258	54	variables	variable	NOUN
bjmsr-453	258	55	,	,	PUNCT
bjmsr-453	258	56	and	and	CCONJ
bjmsr-453	258	57	then	then	ADV
bjmsr-453	258	58	conduct	conduct	VERB
bjmsr-453	258	59	a	a	DET
bjmsr-453	258	60	new	new	ADJ
bjmsr-453	258	61	round	round	NOUN
bjmsr-453	258	62	of	of	ADP
bjmsr-453	258	63	logistic	logistic	ADJ
bjmsr-453	258	64	regression	regression	NOUN
bjmsr-453	258	65	.	.	PUNCT
bjmsr-453	259	1	the	the	DET
bjmsr-453	259	2	test	test	NOUN
bjmsr-453	259	3	results	result	NOUN
bjmsr-453	259	4	are	be	AUX
bjmsr-453	259	5	as	as	ADP
bjmsr-453	259	6	shown	show	VERB
bjmsr-453	259	7	in	in	ADP
bjmsr-453	259	8	the	the	DET
bjmsr-453	259	9	table	table	NOUN
bjmsr-453	259	10	26	26	NUM
bjmsr-453	259	11	.	.	PUNCT
bjmsr-453	259	12	table	table	NOUN
bjmsr-453	259	13	26	26	NUM
bjmsr-453	259	14	.	.	PUNCT
bjmsr-453	260	1	logistic	logistic	ADJ
bjmsr-453	260	2	regression	regression	NOUN
bjmsr-453	260	3	results	result	NOUN
bjmsr-453	260	4	variables	variable	VERB
bjmsr-453	260	5	variable	variable	ADJ
bjmsr-453	260	6	name	name	NOUN
bjmsr-453	260	7	b	b	PROPN
bjmsr-453	260	8	s.e	s.e	PROPN
bjmsr-453	260	9	wald	wald	PROPN
bjmsr-453	260	10	sig	sig	NOUN
bjmsr-453	260	11	exp	exp	NOUN
bjmsr-453	260	12	(	(	PUNCT
bjmsr-453	260	13	b	b	NOUN
bjmsr-453	260	14	)	)	PUNCT
bjmsr-453	260	15	x1	x1	PROPN
bjmsr-453	260	16	load	load	NOUN
bjmsr-453	260	17	date	date	NOUN
bjmsr-453	260	18	sort	sort	NOUN
bjmsr-453	260	19	662	662	NUM
bjmsr-453	260	20	.130	.130	NUM
bjmsr-453	260	21	26.013	26.013	NUM
bjmsr-453	260	22	.000	.000	NUM
bjmsr-453	260	23	1.1.939	1.1.939	NUM
bjmsr-453	260	24	x2	x2	PROPN
bjmsr-453	260	25	is_local	is_local	ADJ
bjmsr-453	260	26	3.3.194	3.3.194	PROPN
bjmsr-453	260	27	573	573	NUM
bjmsr-453	260	28	331.062	331.062	NUM
bjmsr-453	260	29	.000	.000	NUM
bjmsr-453	260	30	24.381	24.381	NUM
bjmsr-453	260	31	x3	x3	ADJ
bjmsr-453	260	32	edu_level	edu_level	VERB
bjmsr-453	260	33	2.533	2.533	NUM
bjmsr-453	260	34	.688	.688	NUM
bjmsr-453	260	35	13.548	13.548	NUM
bjmsr-453	260	36	.000	.000	NUM
bjmsr-453	260	37	.079	.079	NUM
bjmsr-453	260	38	x5	x5	PROPN
bjmsr-453	260	39	has_fund	has_fund	ADP
bjmsr-453	260	40	4.830	4.830	NUM
bjmsr-453	260	41	.828	.828	NUM
bjmsr-453	260	42	33.995	33.995	NUM
bjmsr-453	260	43	.000	.000	NUM
bjmsr-453	260	44	125.245	125.245	NUM
bjmsr-453	260	45	x6	x6	PROPN
bjmsr-453	260	46	gender	gender	NOUN
bjmsr-453	260	47	7.209	7.209	NUM
bjmsr-453	260	48	.960	.960	NUM
bjmsr-453	261	1	56.327	56.327	NUM
bjmsr-453	261	2	.000	.000	NUM
bjmsr-453	261	3	1350.972	1350.972	NUM
bjmsr-453	261	4	x7	x7	NOUN
bjmsr-453	261	5	gross	gross	ADJ
bjmsr-453	261	6	domestic	domestic	ADJ
bjmsr-453	261	7	product	product	NOUN
bjmsr-453	261	8	...	...	PUNCT
bjmsr-453	261	9	323	323	NUM
bjmsr-453	261	10	.137	.137	NUM
bjmsr-453	261	11	5.596	5.596	NUM
bjmsr-453	261	12	.018	.018	NUM
bjmsr-453	261	13	.724	.724	NUM
bjmsr-453	262	1	x8	x8	PROPN
bjmsr-453	262	2	disposable	disposable	ADJ
bjmsr-453	262	3	income	income	NOUN
bjmsr-453	262	4	per	per	ADP
bjmsr-453	262	5	capita	capita	X
bjmsr-453	262	6	2.393	2.393	NUM
bjmsr-453	262	7	.270	.270	NUM
bjmsr-453	262	8	78.810	78.810	NUM
bjmsr-453	262	9	.000	.000	NUM
bjmsr-453	262	10	10.949	10.949	NUM
bjmsr-453	262	11	x9	x9	NOUN
bjmsr-453	262	12	per	per	ADP
bjmsr-453	262	13	capita	capita	X
bjmsr-453	262	14	consumption	consumption	NOUN
bjmsr-453	262	15	expenditure	expenditure	NOUN
bjmsr-453	262	16	2.696	2.696	NUM
bjmsr-453	262	17	.269	.269	NUM
bjmsr-453	262	18	100.502	100.502	NUM
bjmsr-453	262	19	.000	.000	NUM
bjmsr-453	262	20	.067	.067	NUM
bjmsr-453	263	1	x10	x10	ADP
bjmsr-453	263	2	regional	regional	ADJ
bjmsr-453	263	3	fixed	fix	VERB
bjmsr-453	263	4	-	-	PUNCT
bjmsr-453	263	5	assets	asset	NOUN
bjmsr-453	263	6	investment	investment	NOUN
bjmsr-453	263	7	1.081	1.081	NUM
bjmsr-453	263	8	.114	.114	NUM
bjmsr-453	263	9	90.492	90.492	NUM
bjmsr-453	263	10	.000	.000	NUM
bjmsr-453	263	11	.339	.339	NUM
bjmsr-453	263	12	x11	x11	PROPN
bjmsr-453	263	13	regional	regional	ADJ
bjmsr-453	263	14	fixed	fix	VERB
bjmsr-453	263	15	-	-	PUNCT
bjmsr-453	263	16	asset	asset	NOUN
bjmsr-453	263	17	investment	investment	NOUN
bjmsr-453	263	18	index	index	NOUN
bjmsr-453	263	19	3.118	3.118	NUM
bjmsr-453	263	20	.224	.224	NUM
bjmsr-453	263	21	194.432	194.432	NUM
bjmsr-453	263	22	.000	.000	NUM
bjmsr-453	263	23	.044	.044	NUM
bjmsr-453	263	24	constant	constant	ADJ
bjmsr-453	263	25	constant	constant	ADJ
bjmsr-453	263	26	...	...	PUNCT
bjmsr-453	263	27	165	165	NUM
bjmsr-453	263	28	.230	.230	NUM
bjmsr-453	263	29	.518	.518	NUM
bjmsr-453	263	30	.472	.472	NUM
bjmsr-453	263	31	848	848	NUM
bjmsr-453	263	32	after	after	ADP
bjmsr-453	263	33	removing	remove	VERB
bjmsr-453	263	34	the	the	DET
bjmsr-453	263	35	variables	variable	NOUN
bjmsr-453	263	36	with	with	ADP
bjmsr-453	263	37	low	low	ADJ
bjmsr-453	263	38	significance	significance	NOUN
bjmsr-453	263	39	step	step	NOUN
bjmsr-453	263	40	by	by	ADP
bjmsr-453	263	41	step	step	NOUN
bjmsr-453	263	42	,	,	PUNCT
bjmsr-453	263	43	it	it	PRON
bjmsr-453	263	44	can	can	AUX
bjmsr-453	263	45	be	be	AUX
bjmsr-453	263	46	easily	easily	ADV
bjmsr-453	263	47	observed	observe	VERB
bjmsr-453	263	48	that	that	SCONJ
bjmsr-453	263	49	these	these	DET
bjmsr-453	263	50	explanatory	explanatory	ADJ
bjmsr-453	263	51	variables	variable	NOUN
bjmsr-453	263	52	have	have	VERB
bjmsr-453	263	53	a	a	DET
bjmsr-453	263	54	strong	strong	ADJ
bjmsr-453	263	55	explanatory	explanatory	ADJ
bjmsr-453	263	56	effect	effect	NOUN
bjmsr-453	263	57	on	on	ADP
bjmsr-453	263	58	the	the	DET
bjmsr-453	263	59	explained	explain	VERB
bjmsr-453	263	60	variables	variable	NOUN
bjmsr-453	263	61	,	,	PUNCT
bjmsr-453	263	62	so	so	SCONJ
bjmsr-453	263	63	they	they	PRON
bjmsr-453	263	64	should	should	AUX
bjmsr-453	263	65	be	be	AUX
bjmsr-453	263	66	kept	keep	VERB
bjmsr-453	263	67	in	in	ADP
bjmsr-453	263	68	the	the	DET
bjmsr-453	263	69	model	model	NOUN
bjmsr-453	263	70	.	.	PUNCT
bjmsr-453	264	1	it	it	PRON
bjmsr-453	264	2	can	can	AUX
bjmsr-453	264	3	also	also	ADV
bjmsr-453	264	4	be	be	AUX
bjmsr-453	264	5	learned	learn	VERB
bjmsr-453	264	6	from	from	ADP
bjmsr-453	264	7	the	the	DET
bjmsr-453	264	8	multicollinearity	multicollinearity	NOUN
bjmsr-453	264	9	test	test	NOUN
bjmsr-453	264	10	performed	perform	VERB
bjmsr-453	264	11	previously	previously	ADV
bjmsr-453	264	12	that	that	SCONJ
bjmsr-453	264	13	the	the	DET
bjmsr-453	264	14	absence	absence	NOUN
bjmsr-453	264	15	of	of	ADP
bjmsr-453	264	16	multicollinearity	multicollinearity	NOUN
bjmsr-453	264	17	in	in	ADP
bjmsr-453	264	18	these	these	DET
bjmsr-453	264	19	several	several	ADJ
bjmsr-453	264	20	variables	variable	NOUN
bjmsr-453	264	21	and	and	CCONJ
bjmsr-453	264	22	the	the	DET
bjmsr-453	264	23	high	high	ADJ
bjmsr-453	264	24	tolerance	tolerance	NOUN
bjmsr-453	264	25	between	between	ADP
bjmsr-453	264	26	variables	variable	NOUN
bjmsr-453	264	27	do	do	AUX
bjmsr-453	264	28	not	not	PART
bjmsr-453	264	29	significantly	significantly	ADV
bjmsr-453	264	30	affect	affect	VERB
bjmsr-453	264	31	the	the	DET
bjmsr-453	264	32	precision	precision	NOUN
bjmsr-453	264	33	of	of	ADP
bjmsr-453	264	34	the	the	DET
bjmsr-453	264	35	results	result	NOUN
bjmsr-453	264	36	of	of	ADP
bjmsr-453	264	37	parameter	parameter	NOUN
bjmsr-453	264	38	estimation	estimation	NOUN
bjmsr-453	264	39	by	by	ADP
bjmsr-453	264	40	the	the	DET
bjmsr-453	264	41	regression	regression	NOUN
bjmsr-453	264	42	model	model	NOUN
bjmsr-453	264	43	.	.	PUNCT
bjmsr-453	265	1	table	table	NOUN
bjmsr-453	265	2	27.likelihood	27.likelihood	PROPN
bjmsr-453	265	3	ratio	ratio	NOUN
bjmsr-453	265	4	test	test	NOUN
bjmsr-453	265	5	step	step	NOUN
bjmsr-453	265	6	-2	-2	INTJ
bjmsr-453	265	7	logarithmic	logarithmic	ADJ
bjmsr-453	265	8	likelihood	likelihood	NOUN
bjmsr-453	265	9	value	value	NOUN
bjmsr-453	265	10	cox	cox	PROPN
bjmsr-453	265	11	snell	snell	PROPN
bjmsr-453	265	12	r	r	PROPN
bjmsr-453	265	13	square	square	PROPN
bjmsr-453	265	14	nagelkerke	nagelkerke	PROPN
bjmsr-453	265	15	r	r	NOUN
bjmsr-453	265	16	square	square	NOUN
bjmsr-453	265	17	10	10	NUM
bjmsr-453	265	18	6524.276b	6524.276b	NOUN
bjmsr-453	265	19	.039	.039	NUM
bjmsr-453	265	20	.127	.127	NUM
bjmsr-453	265	21	according	accord	VERB
bjmsr-453	265	22	to	to	ADP
bjmsr-453	265	23	the	the	DET
bjmsr-453	265	24	estimation	estimation	NOUN
bjmsr-453	265	25	results	result	NOUN
bjmsr-453	265	26	,	,	PUNCT
bjmsr-453	265	27	in	in	ADP
bjmsr-453	265	28	table	table	NOUN
bjmsr-453	265	29	28	28	NUM
bjmsr-453	265	30	,	,	PUNCT
bjmsr-453	265	31	2the	2the	NUM
bjmsr-453	265	32	smaller	small	ADJ
bjmsr-453	265	33	the	the	DET
bjmsr-453	265	34	log	log	NOUN
bjmsr-453	265	35	-	-	PUNCT
bjmsr-453	265	36	likelihood	likelihood	NOUN
bjmsr-453	265	37	,	,	PUNCT
bjmsr-453	265	38	the	the	PRON
bjmsr-453	265	39	higher	high	ADJ
bjmsr-453	265	40	the	the	DET
bjmsr-453	265	41	value	value	NOUN
bjmsr-453	265	42	of	of	ADP
bjmsr-453	265	43	the	the	DET
bjmsr-453	265	44	cox	cox	PROPN
bjmsr-453	265	45	snell	snell	PROPN
bjmsr-453	265	46	r	r	PROPN
bjmsr-453	265	47	square	square	ADJ
bjmsr-453	265	48	and	and	CCONJ
bjmsr-453	265	49	nagelkerke	nagelkerke	PROPN
bjmsr-453	265	50	r	r	PROPN
bjmsr-453	265	51	square	square	NOUN
bjmsr-453	265	52	,	,	PUNCT
bjmsr-453	265	53	and	and	CCONJ
bjmsr-453	265	54	the	the	PRON
bjmsr-453	265	55	higher	high	ADJ
bjmsr-453	265	56	the	the	DET
bjmsr-453	265	57	fit	fit	NOUN
bjmsr-453	265	58	of	of	ADP
bjmsr-453	265	59	the	the	DET
bjmsr-453	265	60	model	model	NOUN
bjmsr-453	265	61	,	,	PUNCT
bjmsr-453	265	62	so	so	SCONJ
bjmsr-453	265	63	that	that	SCONJ
bjmsr-453	265	64	the	the	DET
bjmsr-453	265	65	model	model	NOUN
bjmsr-453	265	66	can	can	AUX
bjmsr-453	265	67	be	be	AUX
bjmsr-453	265	68	considered	consider	VERB
bjmsr-453	265	69	to	to	PART
bjmsr-453	265	70	have	have	VERB
bjmsr-453	265	71	a	a	DET
bjmsr-453	265	72	better	well	ADJ
bjmsr-453	265	73	fit	fit	ADJ
bjmsr-453	265	74	.	.	PUNCT
bjmsr-453	265	75	table	table	NOUN
bjmsr-453	265	76	28.hosmer	28.hosmer	NUM
bjmsr-453	265	77	-	-	PUNCT
bjmsr-453	265	78	lemeshow	lemeshow	ADJ
bjmsr-453	265	79	fit	fit	ADJ
bjmsr-453	265	80	test	test	NOUN
bjmsr-453	265	81	step	step	NOUN
bjmsr-453	265	82	chi	chi	ADJ
bjmsr-453	265	83	-	-	PUNCT
bjmsr-453	265	84	square	square	ADJ
bjmsr-453	265	85	df	df	PROPN
bjmsr-453	265	86	sig	sig	NOUN
bjmsr-453	265	87	.	.	PUNCT
bjmsr-453	266	1	10	10	NUM
bjmsr-453	266	2	47.721	47.721	NUM
bjmsr-453	266	3	8	8	NUM
bjmsr-453	266	4	10,000	10,000	NUM
bjmsr-453	266	5	the	the	DET
bjmsr-453	266	6	overall	overall	ADJ
bjmsr-453	266	7	situation	situation	NOUN
bjmsr-453	266	8	of	of	ADP
bjmsr-453	266	9	the	the	DET
bjmsr-453	266	10	hosmer	hosmer	NOUN
bjmsr-453	266	11	-	-	PUNCT
bjmsr-453	266	12	lemeshow	lemeshow	NOUN
bjmsr-453	266	13	goodness	goodness	NOUN
bjmsr-453	266	14	-	-	PUNCT
bjmsr-453	266	15	of	of	ADP
bjmsr-453	266	16	-	-	PUNCT
bjmsr-453	266	17	fit	fit	NOUN
bjmsr-453	266	18	test	test	NOUN
bjmsr-453	266	19	of	of	ADP
bjmsr-453	266	20	the	the	DET
bjmsr-453	266	21	regression	regression	NOUN
bjmsr-453	266	22	equation	equation	NOUN
bjmsr-453	266	23	is	be	AUX
bjmsr-453	266	24	shown	show	VERB
bjmsr-453	266	25	in	in	ADP
bjmsr-453	266	26	the	the	DET
bjmsr-453	266	27	table	table	NOUN
bjmsr-453	266	28	,	,	PUNCT
bjmsr-453	266	29	and	and	CCONJ
bjmsr-453	266	30	it	it	PRON
bjmsr-453	266	31	can	can	AUX
bjmsr-453	266	32	be	be	AUX
bjmsr-453	266	33	observed	observe	VERB
bjmsr-453	266	34	that	that	SCONJ
bjmsr-453	266	35	the	the	DET
bjmsr-453	266	36	chi	chi	NOUN
bjmsr-453	266	37	-	-	PUNCT
bjmsr-453	266	38	square	square	PROPN
bjmsr-453	266	39	is	be	AUX
bjmsr-453	266	40	47.721	47.721	NUM
bjmsr-453	266	41	and	and	CCONJ
bjmsr-453	266	42	the	the	DET
bjmsr-453	266	43	probability	probability	NOUN
bjmsr-453	266	44	p	p	NOUN
bjmsr-453	266	45	-	-	PUNCT
bjmsr-453	266	46	value	value	NOUN
bjmsr-453	266	47	significance	significance	NOUN
bjmsr-453	266	48	level	level	NOUN
bjmsr-453	266	49	is	be	AUX
bjmsr-453	266	50	less	less	ADJ
bjmsr-453	266	51	than	than	ADP
bjmsr-453	266	52	0.05	0.05	NUM
bjmsr-453	266	53	.	.	PUNCT
bjmsr-453	267	1	hence	hence	ADV
bjmsr-453	267	2	,	,	PUNCT
bjmsr-453	267	3	the	the	DET
bjmsr-453	267	4	correlation	correlation	NOUN
bjmsr-453	267	5	between	between	ADP
bjmsr-453	267	6	the	the	DET
bjmsr-453	267	7	explanatory	explanatory	ADJ
bjmsr-453	267	8	variables	variable	NOUN
bjmsr-453	267	9	and	and	CCONJ
bjmsr-453	267	10	logit	logit	PROPN
bjmsr-453	267	11	(	(	PUNCT
bjmsr-453	267	12	p	p	NOUN
bjmsr-453	267	13	)	)	PUNCT
bjmsr-453	267	14	is	be	AUX
bjmsr-453	267	15	significant	significant	ADJ
bjmsr-453	267	16	,	,	PUNCT
bjmsr-453	267	17	which	which	PRON
bjmsr-453	267	18	can	can	AUX
bjmsr-453	267	19	justify	justify	VERB
bjmsr-453	267	20	the	the	DET
bjmsr-453	267	21	model	model	NOUN
bjmsr-453	267	22	.	.	PUNCT
bjmsr-453	268	1	copyright	copyright	NOUN
bjmsr-453	268	2	©	©	PROPN
bjmsr-453	268	3	cc	cc	PROPN
bjmsr-453	268	4	-	-	PUNCT
bjmsr-453	268	5	by	by	ADP
bjmsr-453	268	6	-	-	PUNCT
bjmsr-453	268	7	nc	nc	PROPN
bjmsr-453	268	8	2020	2020	NUM
bjmsr-453	268	9	,	,	PUNCT
bjmsr-453	268	10	cribfb	cribfb	PROPN
bjmsr-453	268	11	|bjmsr	|bjmsr	PROPN
bjmsr-453	268	12	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	268	13	bangladesh	bangladesh	PROPN
bjmsr-453	268	14	journal	journal	PROPN
bjmsr-453	268	15	of	of	ADP
bjmsr-453	268	16	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	268	17	scientific	scientific	ADJ
bjmsr-453	268	18	research	research	NOUN
bjmsr-453	268	19	vol	vol	NOUN
bjmsr-453	268	20	.	.	PROPN
bjmsr-453	269	1	2	2	NUM
bjmsr-453	269	2	,	,	PUNCT
bjmsr-453	269	3	no	no	INTJ
bjmsr-453	269	4	.	.	NOUN
bjmsr-453	269	5	1	1	NUM
bjmsr-453	269	6	;	;	PUNCT
bjmsr-453	269	7	2020	2020	NUM
bjmsr-453	269	8	19	19	NUM
bjmsr-453	269	9	establish	establish	VERB
bjmsr-453	269	10	a	a	DET
bjmsr-453	269	11	personal	personal	ADJ
bjmsr-453	269	12	risk	risk	NOUN
bjmsr-453	269	13	assessment	assessment	NOUN
bjmsr-453	269	14	model	model	NOUN
bjmsr-453	269	15	:	:	PUNCT
bjmsr-453	269	16	in	in	ADP
bjmsr-453	269	17	summary	summary	NOUN
bjmsr-453	269	18	,	,	PUNCT
bjmsr-453	269	19	logistic	logistic	ADJ
bjmsr-453	269	20	regression	regression	NOUN
bjmsr-453	269	21	model	model	NOUN
bjmsr-453	269	22	can	can	AUX
bjmsr-453	269	23	be	be	AUX
bjmsr-453	269	24	expressed	express	VERB
bjmsr-453	269	25	as	as	ADP
bjmsr-453	269	26	:	:	PUNCT
bjmsr-453	269	27	mm11	mm11	PROPN
bjmsr-453	269	28	x	x	SYM
bjmsr-453	269	29	...	...	PUNCT
bjmsr-453	269	30	x	x	SYM
bjmsr-453	269	31	1	1	NUM
bjmsr-453	269	32	lnlog	lnlog	NOUN
bjmsr-453	269	33			PROPN
bjmsr-453	269	34			VERB
bjmsr-453	269	35			PROPN
bjmsr-453	269	36			PROPN
bjmsr-453	269	37	p	p	X
bjmsr-453	269	38	p	p	NOUN
bjmsr-453	269	39	it(p	it(p	NOUN
bjmsr-453	269	40	)	)	PUNCT
bjmsr-453	269	41	11	11	NUM
bjmsr-453	269	42	1098	1098	NUM
bjmsr-453	269	43	765	765	NUM
bjmsr-453	269	44	31	31	NUM
bjmsr-453	269	45	11830766310	11830766310	NUM
bjmsr-453	269	46	08110885870696208463203932076710	08110885870696208463203932076710	NUM
bjmsr-453	269	47	323008916202097088183083041025430	323008916202097088183083041025430	NUM
bjmsr-453	269	48	53321314570219430978150662009509601650log	53321314570219430978150662009509601650log	NUM
bjmsr-453	269	49	x.	x.	NOUN
bjmsr-453	269	50	*	*	NOUN
bjmsr-453	269	51	.	.	PUNCT
bjmsr-453	270	1	x.*.-x.*.-x	x.*.-x.*.-x	PROPN
bjmsr-453	270	2	.	.	PUNCT
bjmsr-453	271	1	*	*	PUNCT
bjmsr-453	271	2	.	.	PUNCT
bjmsr-453	272	1	+	+	NOUN
bjmsr-453	272	2	x.*.-x	x.*.-x	PROPN
bjmsr-453	272	3	.	.	PROPN
bjmsr-453	272	4	*	*	PUNCT
bjmsr-453	272	5	.	.	PUNCT
bjmsr-453	273	1	+	+	ADJ
bjmsr-453	273	2	x.	x.	NOUN
bjmsr-453	273	3	*	*	NOUN
bjmsr-453	273	4	.	.	PUNCT
bjmsr-453	274	1	+	+	ADP
bjmsr-453	274	2	x.*.-x.*.+x.*.+.it(p)=	x.*.-x.*.+x.*.+.it(p)=	PROPN
bjmsr-453	274	3	the	the	DET
bjmsr-453	274	4	results	result	NOUN
bjmsr-453	274	5	of	of	ADP
bjmsr-453	274	6	this	this	DET
bjmsr-453	274	7	logistic	logistic	ADJ
bjmsr-453	274	8	regression	regression	NOUN
bjmsr-453	274	9	test	test	NOUN
bjmsr-453	274	10	were	be	AUX
bjmsr-453	274	11	obtained	obtain	VERB
bjmsr-453	274	12	by	by	ADP
bjmsr-453	274	13	running	run	VERB
bjmsr-453	274	14	spss	spss	PROPN
bjmsr-453	274	15	23.0	23.0	NUM
bjmsr-453	274	16	software	software	NOUN
bjmsr-453	274	17	:	:	PUNCT
bjmsr-453	274	18	table	table	NOUN
bjmsr-453	274	19	29	29	NUM
bjmsr-453	274	20	.	.	PUNCT
bjmsr-453	275	1	logistic	logistic	ADJ
bjmsr-453	275	2	regression	regression	NOUN
bjmsr-453	275	3	test	test	NOUN
bjmsr-453	275	4	results	result	VERB
bjmsr-453	275	5	original	original	ADJ
bjmsr-453	275	6	result	result	NOUN
bjmsr-453	275	7	training	training	NOUN
bjmsr-453	275	8	results	result	NOUN
bjmsr-453	275	9	training	training	NOUN
bjmsr-453	275	10	accuracy	accuracy	NOUN
bjmsr-453	275	11	0	0	NUM
bjmsr-453	275	12	1	1	NUM
bjmsr-453	275	13	0	0	NUM
bjmsr-453	275	14	19239	19239	NUM
bjmsr-453	275	15	19239	19239	NUM
bjmsr-453	275	16	0	0	NUM
bjmsr-453	275	17	100.0	100.0	NUM
bjmsr-453	275	18	%	%	NOUN
bjmsr-453	275	19	1	1	NUM
bjmsr-453	275	20	895	895	NUM
bjmsr-453	275	21	895	895	NUM
bjmsr-453	275	22	0	0	NUM
bjmsr-453	275	23	0.0	0.0	NUM
bjmsr-453	275	24	%	%	NOUN
bjmsr-453	275	25	overall	overall	ADJ
bjmsr-453	275	26	accuracy	accuracy	NOUN
bjmsr-453	275	27	:	:	PUNCT
bjmsr-453	275	28	95.6	95.6	NUM
bjmsr-453	275	29	%	%	NOUN
bjmsr-453	275	30	in	in	ADP
bjmsr-453	275	31	this	this	DET
bjmsr-453	275	32	chapter	chapter	NOUN
bjmsr-453	275	33	,	,	PUNCT
bjmsr-453	275	34	the	the	DET
bjmsr-453	275	35	average	average	ADJ
bjmsr-453	275	36	forecast	forecast	NOUN
bjmsr-453	275	37	accuracy	accuracy	NOUN
bjmsr-453	275	38	is	be	AUX
bjmsr-453	275	39	95.6	95.6	NUM
bjmsr-453	275	40	%	%	NOUN
bjmsr-453	275	41	,	,	PUNCT
bjmsr-453	275	42	of	of	ADP
bjmsr-453	275	43	which	which	PRON
bjmsr-453	275	44	the	the	DET
bjmsr-453	275	45	forecast	forecast	NOUN
bjmsr-453	275	46	accuracy	accuracy	NOUN
bjmsr-453	275	47	is	be	AUX
bjmsr-453	275	48	0.00	0.00	NUM
bjmsr-453	275	49	%	%	NOUN
bjmsr-453	275	50	for	for	ADP
bjmsr-453	275	51	customers	customer	NOUN
bjmsr-453	275	52	with	with	ADP
bjmsr-453	275	53	deferred	deferred	ADJ
bjmsr-453	275	54	repayment	repayment	NOUN
bjmsr-453	275	55	and	and	CCONJ
bjmsr-453	275	56	100.0	100.0	NUM
bjmsr-453	275	57	%	%	NOUN
bjmsr-453	275	58	for	for	ADP
bjmsr-453	275	59	customers	customer	NOUN
bjmsr-453	275	60	with	with	ADP
bjmsr-453	275	61	timely	timely	ADJ
bjmsr-453	275	62	repayment	repayment	NOUN
bjmsr-453	275	63	.	.	PUNCT
bjmsr-453	276	1	the	the	DET
bjmsr-453	276	2	model	model	NOUN
bjmsr-453	276	3	has	have	VERB
bjmsr-453	276	4	high	high	ADJ
bjmsr-453	276	5	accuracy	accuracy	NOUN
bjmsr-453	276	6	in	in	ADP
bjmsr-453	276	7	predicting	predict	VERB
bjmsr-453	276	8	customers	customer	NOUN
bjmsr-453	276	9	'	'	PART
bjmsr-453	276	10	non	non	ADJ
bjmsr-453	276	11	-	-	ADJ
bjmsr-453	276	12	deferred	deferred	ADJ
bjmsr-453	276	13	repayment	repayment	NOUN
bjmsr-453	276	14	,	,	PUNCT
bjmsr-453	276	15	while	while	SCONJ
bjmsr-453	276	16	the	the	DET
bjmsr-453	276	17	accuracy	accuracy	NOUN
bjmsr-453	276	18	of	of	ADP
bjmsr-453	276	19	judging	judge	VERB
bjmsr-453	276	20	customers	customer	NOUN
bjmsr-453	276	21	'	'	PART
bjmsr-453	276	22	deferred	deferred	ADJ
bjmsr-453	276	23	repayment	repayment	NOUN
bjmsr-453	276	24	is	be	AUX
bjmsr-453	276	25	very	very	ADV
bjmsr-453	276	26	low	low	ADJ
bjmsr-453	276	27	.	.	PUNCT
bjmsr-453	277	1	consequently	consequently	ADV
bjmsr-453	277	2	,	,	PUNCT
bjmsr-453	277	3	it	it	PRON
bjmsr-453	277	4	is	be	AUX
bjmsr-453	277	5	necessary	necessary	ADJ
bjmsr-453	277	6	to	to	PART
bjmsr-453	277	7	improve	improve	VERB
bjmsr-453	277	8	the	the	DET
bjmsr-453	277	9	test	test	NOUN
bjmsr-453	277	10	model	model	NOUN
bjmsr-453	277	11	further	far	ADV
bjmsr-453	277	12	to	to	PART
bjmsr-453	277	13	improve	improve	VERB
bjmsr-453	277	14	the	the	DET
bjmsr-453	277	15	judgment	judgment	NOUN
bjmsr-453	277	16	of	of	ADP
bjmsr-453	277	17	deferred	deferred	ADJ
bjmsr-453	277	18	repayment	repayment	NOUN
bjmsr-453	277	19	and	and	CCONJ
bjmsr-453	277	20	on	on	ADP
bjmsr-453	277	21	-	-	PUNCT
bjmsr-453	277	22	time	time	NOUN
bjmsr-453	277	23	repayment	repayment	NOUN
bjmsr-453	277	24	accuracy	accuracy	NOUN
bjmsr-453	277	25	.	.	PUNCT
bjmsr-453	278	1	7.5	7.5	NUM
bjmsr-453	278	2	summary	summary	NOUN
bjmsr-453	278	3	and	and	CCONJ
bjmsr-453	278	4	prediction	prediction	NOUN
bjmsr-453	278	5	impact	impact	NOUN
bjmsr-453	278	6	of	of	ADP
bjmsr-453	278	7	screening	screening	NOUN
bjmsr-453	278	8	of	of	ADP
bjmsr-453	278	9	variables	variable	NOUN
bjmsr-453	278	10	on	on	ADP
bjmsr-453	278	11	the	the	DET
bjmsr-453	278	12	model	model	NOUN
bjmsr-453	278	13	:	:	PUNCT
bjmsr-453	278	14	in	in	ADP
bjmsr-453	278	15	this	this	DET
bjmsr-453	278	16	chapter	chapter	NOUN
bjmsr-453	278	17	,	,	PUNCT
bjmsr-453	278	18	the	the	DET
bjmsr-453	278	19	average	average	ADJ
bjmsr-453	278	20	forecast	forecast	NOUN
bjmsr-453	278	21	accuracy	accuracy	NOUN
bjmsr-453	278	22	is	be	AUX
bjmsr-453	278	23	95.6	95.6	NUM
bjmsr-453	278	24	%	%	NOUN
bjmsr-453	278	25	,	,	PUNCT
bjmsr-453	278	26	of	of	ADP
bjmsr-453	278	27	which	which	PRON
bjmsr-453	278	28	the	the	DET
bjmsr-453	278	29	forecast	forecast	NOUN
bjmsr-453	278	30	accuracy	accuracy	NOUN
bjmsr-453	278	31	is	be	AUX
bjmsr-453	278	32	0.00	0.00	NUM
bjmsr-453	278	33	%	%	NOUN
bjmsr-453	278	34	for	for	ADP
bjmsr-453	278	35	customers	customer	NOUN
bjmsr-453	278	36	with	with	ADP
bjmsr-453	278	37	deferred	deferred	ADJ
bjmsr-453	278	38	repayment	repayment	NOUN
bjmsr-453	278	39	and	and	CCONJ
bjmsr-453	278	40	100.0	100.0	NUM
bjmsr-453	278	41	%	%	NOUN
bjmsr-453	278	42	for	for	ADP
bjmsr-453	278	43	customers	customer	NOUN
bjmsr-453	278	44	with	with	ADP
bjmsr-453	278	45	timely	timely	ADJ
bjmsr-453	278	46	repayment	repayment	NOUN
bjmsr-453	278	47	.	.	PUNCT
bjmsr-453	279	1	the	the	DET
bjmsr-453	279	2	model	model	NOUN
bjmsr-453	279	3	has	have	VERB
bjmsr-453	279	4	high	high	ADJ
bjmsr-453	279	5	efficiency	efficiency	NOUN
bjmsr-453	279	6	in	in	ADP
bjmsr-453	279	7	predicting	predict	VERB
bjmsr-453	279	8	customers	customer	NOUN
bjmsr-453	279	9	'	'	PART
bjmsr-453	279	10	non	non	ADJ
bjmsr-453	279	11	-	-	ADJ
bjmsr-453	279	12	deferred	deferred	ADJ
bjmsr-453	279	13	compensation	compensation	NOUN
bjmsr-453	279	14	,	,	PUNCT
bjmsr-453	279	15	while	while	SCONJ
bjmsr-453	279	16	the	the	DET
bjmsr-453	279	17	accuracy	accuracy	NOUN
bjmsr-453	279	18	of	of	ADP
bjmsr-453	279	19	judging	judge	VERB
bjmsr-453	279	20	customers	customer	NOUN
bjmsr-453	279	21	'	'	PART
bjmsr-453	279	22	deferred	deferred	ADJ
bjmsr-453	279	23	repayment	repayment	NOUN
bjmsr-453	279	24	is	be	AUX
bjmsr-453	279	25	very	very	ADV
bjmsr-453	279	26	low	low	ADJ
bjmsr-453	279	27	.	.	PUNCT
bjmsr-453	280	1	hence	hence	ADV
bjmsr-453	280	2	,	,	PUNCT
bjmsr-453	280	3	it	it	PRON
bjmsr-453	280	4	is	be	AUX
bjmsr-453	280	5	necessary	necessary	ADJ
bjmsr-453	280	6	to	to	PART
bjmsr-453	280	7	improve	improve	VERB
bjmsr-453	280	8	the	the	DET
bjmsr-453	280	9	test	test	NOUN
bjmsr-453	280	10	model	model	NOUN
bjmsr-453	280	11	further	far	ADV
bjmsr-453	280	12	to	to	PART
bjmsr-453	280	13	improve	improve	VERB
bjmsr-453	280	14	the	the	DET
bjmsr-453	280	15	judgment	judgment	NOUN
bjmsr-453	280	16	of	of	ADP
bjmsr-453	280	17	partial	partial	ADJ
bjmsr-453	280	18	compensation	compensation	NOUN
bjmsr-453	280	19	and	and	CCONJ
bjmsr-453	280	20	ontime	ontime	ADJ
bjmsr-453	280	21	repayment	repayment	NOUN
bjmsr-453	280	22	accuracy	accuracy	NOUN
bjmsr-453	280	23	.	.	PUNCT
bjmsr-453	281	1	comparison	comparison	NOUN
bjmsr-453	281	2	of	of	ADP
bjmsr-453	281	3	models	model	NOUN
bjmsr-453	281	4	:	:	PUNCT
bjmsr-453	281	5	the	the	DET
bjmsr-453	281	6	results	result	NOUN
bjmsr-453	281	7	were	be	AUX
bjmsr-453	281	8	predicted	predict	VERB
bjmsr-453	281	9	by	by	ADP
bjmsr-453	281	10	aggregating	aggregate	VERB
bjmsr-453	281	11	the	the	DET
bjmsr-453	281	12	three	three	NUM
bjmsr-453	281	13	models	model	NOUN
bjmsr-453	281	14	described	describe	VERB
bjmsr-453	281	15	above	above	ADV
bjmsr-453	281	16	.	.	PUNCT
bjmsr-453	282	1	obtain	obtain	VERB
bjmsr-453	282	2	the	the	DET
bjmsr-453	282	3	prediction	prediction	NOUN
bjmsr-453	282	4	accuracy	accuracy	NOUN
bjmsr-453	282	5	of	of	ADP
bjmsr-453	282	6	each	each	DET
bjmsr-453	282	7	model	model	NOUN
bjmsr-453	282	8	,	,	PUNCT
bjmsr-453	282	9	see	see	VERB
bjmsr-453	282	10	table	table	NOUN
bjmsr-453	282	11	30	30	NUM
bjmsr-453	282	12	.	.	PUNCT
bjmsr-453	282	13	table	table	NOUN
bjmsr-453	282	14	30	30	NUM
bjmsr-453	282	15	.	.	PUNCT
bjmsr-453	283	1	prediction	prediction	NOUN
bjmsr-453	283	2	accuracy	accuracy	NOUN
bjmsr-453	283	3	of	of	ADP
bjmsr-453	283	4	each	each	DET
bjmsr-453	283	5	model	model	NOUN
bjmsr-453	283	6	model	model	NOUN
bjmsr-453	283	7	0	0	PUNCT
bjmsr-453	283	8	correct	correct	ADJ
bjmsr-453	283	9	rate	rate	NOUN
bjmsr-453	283	10	of	of	ADP
bjmsr-453	283	11	performance	performance	NOUN
bjmsr-453	283	12	total	total	ADJ
bjmsr-453	283	13	accuracy	accuracy	NOUN
bjmsr-453	283	14	rate	rate	NOUN
bjmsr-453	283	15	1	1	NUM
bjmsr-453	283	16	correct	correct	ADJ
bjmsr-453	283	17	rate	rate	NOUN
bjmsr-453	283	18	of	of	ADP
bjmsr-453	283	19	breast	breast	NOUN
bjmsr-453	283	20	of	of	ADP
bjmsr-453	283	21	contract	contract	NOUN
bjmsr-453	283	22	random	random	ADJ
bjmsr-453	283	23	forest	forest	NOUN
bjmsr-453	283	24	100	100	NUM
bjmsr-453	283	25	%	%	NOUN
bjmsr-453	283	26	95.6	95.6	NUM
bjmsr-453	283	27	%	%	NOUN
bjmsr-453	283	28	0	0	NUM
bjmsr-453	283	29	%	%	NOUN
bjmsr-453	283	30	discriminate	discriminate	VERB
bjmsr-453	283	31	analysis	analysis	NOUN
bjmsr-453	283	32	75.5	75.5	NUM
bjmsr-453	283	33	%	%	NOUN
bjmsr-453	283	34	75.5	75.5	NUM
bjmsr-453	283	35	%	%	NOUN
bjmsr-453	283	36	75.9	75.9	NUM
bjmsr-453	283	37	%	%	NOUN
bjmsr-453	283	38	logistic	logistic	ADJ
bjmsr-453	283	39	100	100	NUM
bjmsr-453	283	40	%	%	NOUN
bjmsr-453	283	41	95.6	95.6	NUM
bjmsr-453	283	42	%	%	NOUN
bjmsr-453	283	43	0	0	NUM
bjmsr-453	283	44	%	%	NOUN
bjmsr-453	283	45	this	this	DET
bjmsr-453	283	46	chapter	chapter	NOUN
bjmsr-453	283	47	considers	consider	VERB
bjmsr-453	283	48	that	that	SCONJ
bjmsr-453	283	49	there	there	PRON
bjmsr-453	283	50	is	be	VERB
bjmsr-453	283	51	no	no	DET
bjmsr-453	283	52	agent	agent	NOUN
bjmsr-453	283	53	borrowing	borrowing	NOUN
bjmsr-453	283	54	.	.	PUNCT
bjmsr-453	284	1	although	although	SCONJ
bjmsr-453	284	2	the	the	DET
bjmsr-453	284	3	random	random	ADJ
bjmsr-453	284	4	forest	forest	NOUN
bjmsr-453	284	5	model	model	NOUN
bjmsr-453	284	6	and	and	CCONJ
bjmsr-453	284	7	the	the	DET
bjmsr-453	284	8	logistic	logistic	ADJ
bjmsr-453	284	9	regression	regression	NOUN
bjmsr-453	284	10	model	model	NOUN
bjmsr-453	284	11	were	be	AUX
bjmsr-453	284	12	both	both	CCONJ
bjmsr-453	284	13	accurate	accurate	ADJ
bjmsr-453	284	14	at	at	ADP
bjmsr-453	284	15	95.6	95.6	NUM
bjmsr-453	284	16	%	%	NOUN
bjmsr-453	284	17	,	,	PUNCT
bjmsr-453	284	18	they	they	PRON
bjmsr-453	284	19	were	be	AUX
bjmsr-453	284	20	valid	valid	ADJ
bjmsr-453	284	21	at	at	ADP
bjmsr-453	284	22	0	0	NUM
bjmsr-453	284	23	%	%	NOUN
bjmsr-453	284	24	for	for	ADP
bjmsr-453	284	25	the	the	DET
bjmsr-453	284	26	overdue	overdue	ADJ
bjmsr-453	284	27	population	population	NOUN
bjmsr-453	284	28	and	and	CCONJ
bjmsr-453	284	29	did	do	AUX
bjmsr-453	284	30	not	not	PART
bjmsr-453	284	31	work	work	VERB
bjmsr-453	284	32	well	well	ADV
bjmsr-453	284	33	for	for	ADP
bjmsr-453	284	34	real	real	ADJ
bjmsr-453	284	35	-	-	PUNCT
bjmsr-453	284	36	world	world	NOUN
bjmsr-453	284	37	applications	application	NOUN
bjmsr-453	284	38	.	.	PUNCT
bjmsr-453	285	1	copyright	copyright	NOUN
bjmsr-453	285	2	©	©	PROPN
bjmsr-453	285	3	cc	cc	PROPN
bjmsr-453	285	4	-	-	PUNCT
bjmsr-453	285	5	by	by	ADP
bjmsr-453	285	6	-	-	PUNCT
bjmsr-453	285	7	nc	nc	PROPN
bjmsr-453	285	8	2020	2020	NUM
bjmsr-453	285	9	,	,	PUNCT
bjmsr-453	285	10	cribfb	cribfb	PROPN
bjmsr-453	285	11	|bjmsr	|bjmsr	PROPN
bjmsr-453	285	12	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	285	13	bangladesh	bangladesh	PROPN
bjmsr-453	285	14	journal	journal	PROPN
bjmsr-453	285	15	of	of	ADP
bjmsr-453	285	16	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	285	17	scientific	scientific	ADJ
bjmsr-453	285	18	research	research	NOUN
bjmsr-453	285	19	vol	vol	NOUN
bjmsr-453	285	20	.	.	PROPN
bjmsr-453	286	1	2	2	NUM
bjmsr-453	286	2	,	,	PUNCT
bjmsr-453	286	3	no	no	INTJ
bjmsr-453	286	4	.	.	NOUN
bjmsr-453	286	5	1	1	NUM
bjmsr-453	286	6	;	;	PUNCT
bjmsr-453	286	7	2020	2020	NUM
bjmsr-453	286	8	20	20	NUM
bjmsr-453	286	9	8	8	NUM
bjmsr-453	286	10	.	.	PUNCT
bjmsr-453	287	1	conclusion	conclusion	NOUN
bjmsr-453	287	2	and	and	CCONJ
bjmsr-453	287	3	recommendation	recommendation	NOUN
bjmsr-453	287	4	8.1	8.1	NUM
bjmsr-453	287	5	conclusion	conclusion	NOUN
bjmsr-453	287	6	in	in	ADP
bjmsr-453	287	7	the	the	DET
bjmsr-453	287	8	sample	sample	NOUN
bjmsr-453	287	9	with	with	ADP
bjmsr-453	287	10	agents	agent	NOUN
bjmsr-453	287	11	,	,	PUNCT
bjmsr-453	287	12	the	the	DET
bjmsr-453	287	13	overall	overall	ADJ
bjmsr-453	287	14	correct	correct	ADJ
bjmsr-453	287	15	prediction	prediction	NOUN
bjmsr-453	287	16	rate	rate	NOUN
bjmsr-453	287	17	of	of	ADP
bjmsr-453	287	18	the	the	DET
bjmsr-453	287	19	random	random	ADJ
bjmsr-453	287	20	forest	forest	NOUN
bjmsr-453	287	21	was	be	AUX
bjmsr-453	287	22	94.1	94.1	NUM
bjmsr-453	287	23	%	%	NOUN
bjmsr-453	287	24	,	,	PUNCT
bjmsr-453	287	25	discriminate	discriminate	VERB
bjmsr-453	287	26	analysis	analysis	NOUN
bjmsr-453	287	27	was	be	AUX
bjmsr-453	287	28	78.7	78.7	NUM
bjmsr-453	287	29	%	%	NOUN
bjmsr-453	287	30	,	,	PUNCT
bjmsr-453	287	31	and	and	CCONJ
bjmsr-453	287	32	logistic	logistic	ADJ
bjmsr-453	287	33	regression	regression	NOUN
bjmsr-453	287	34	was	be	AUX
bjmsr-453	287	35	89.4	89.4	NUM
bjmsr-453	287	36	%	%	NOUN
bjmsr-453	287	37	.	.	PUNCT
bjmsr-453	288	1	the	the	DET
bjmsr-453	288	2	prediction	prediction	NOUN
bjmsr-453	288	3	probability	probability	NOUN
bjmsr-453	288	4	of	of	ADP
bjmsr-453	288	5	random	random	ADJ
bjmsr-453	288	6	forest	forest	NOUN
bjmsr-453	288	7	for	for	ADP
bjmsr-453	288	8	overdue	overdue	ADJ
bjmsr-453	288	9	and	and	CCONJ
bjmsr-453	288	10	non	non	ADJ
bjmsr-453	288	11	-	-	ADJ
bjmsr-453	288	12	overdue	overdue	ADJ
bjmsr-453	288	13	repayment	repayment	NOUN
bjmsr-453	288	14	was	be	AUX
bjmsr-453	288	15	balanced	balance	VERB
bjmsr-453	288	16	,	,	PUNCT
bjmsr-453	288	17	so	so	CCONJ
bjmsr-453	288	18	the	the	DET
bjmsr-453	288	19	random	random	ADJ
bjmsr-453	288	20	forest	forest	NOUN
bjmsr-453	288	21	model	model	NOUN
bjmsr-453	288	22	was	be	AUX
bjmsr-453	288	23	more	more	ADV
bjmsr-453	288	24	accurate	accurate	ADJ
bjmsr-453	288	25	and	and	CCONJ
bjmsr-453	288	26	reliable	reliable	ADJ
bjmsr-453	288	27	for	for	ADP
bjmsr-453	288	28	the	the	DET
bjmsr-453	288	29	general	general	ADJ
bjmsr-453	288	30	population	population	NOUN
bjmsr-453	288	31	.	.	PUNCT
bjmsr-453	289	1	nevertheless	nevertheless	ADV
bjmsr-453	289	2	,	,	PUNCT
bjmsr-453	289	3	the	the	DET
bjmsr-453	289	4	accuracy	accuracy	NOUN
bjmsr-453	289	5	of	of	ADP
bjmsr-453	289	6	discriminant	discriminant	ADJ
bjmsr-453	289	7	analysis	analysis	NOUN
bjmsr-453	289	8	for	for	ADP
bjmsr-453	289	9	overdue	overdue	ADJ
bjmsr-453	289	10	repayment	repayment	NOUN
bjmsr-453	289	11	prediction	prediction	NOUN
bjmsr-453	289	12	was	be	AUX
bjmsr-453	289	13	higher	high	ADJ
bjmsr-453	289	14	than	than	ADP
bjmsr-453	289	15	that	that	PRON
bjmsr-453	289	16	of	of	ADP
bjmsr-453	289	17	random	random	ADJ
bjmsr-453	289	18	forest	forest	NOUN
bjmsr-453	289	19	.	.	PUNCT
bjmsr-453	290	1	discriminate	discriminate	VERB
bjmsr-453	290	2	analysis	analysis	NOUN
bjmsr-453	290	3	is	be	AUX
bjmsr-453	290	4	suitable	suitable	ADJ
bjmsr-453	290	5	for	for	ADP
bjmsr-453	290	6	the	the	DET
bjmsr-453	290	7	detection	detection	NOUN
bjmsr-453	290	8	of	of	ADP
bjmsr-453	290	9	the	the	DET
bjmsr-453	290	10	population	population	NOUN
bjmsr-453	290	11	with	with	ADP
bjmsr-453	290	12	incomplete	incomplete	ADJ
bjmsr-453	290	13	records	record	NOUN
bjmsr-453	290	14	.	.	PUNCT
bjmsr-453	291	1	in	in	ADP
bjmsr-453	291	2	the	the	DET
bjmsr-453	291	3	non	non	ADJ
bjmsr-453	291	4	-	-	ADJ
bjmsr-453	291	5	agents	agent	NOUN
bjmsr-453	291	6	sample	sample	NOUN
bjmsr-453	291	7	,	,	PUNCT
bjmsr-453	291	8	both	both	PRON
bjmsr-453	291	9	random	random	ADJ
bjmsr-453	291	10	forest	forest	NOUN
bjmsr-453	291	11	and	and	CCONJ
bjmsr-453	291	12	logistic	logistic	ADJ
bjmsr-453	291	13	regression	regression	NOUN
bjmsr-453	291	14	predicted	predict	VERB
bjmsr-453	291	15	95.6	95.6	NUM
bjmsr-453	291	16	%	%	NOUN
bjmsr-453	291	17	correctly	correctly	ADV
bjmsr-453	291	18	,	,	PUNCT
bjmsr-453	291	19	while	while	SCONJ
bjmsr-453	291	20	discriminant	discriminant	ADJ
bjmsr-453	291	21	analysis	analysis	NOUN
bjmsr-453	291	22	was	be	AUX
bjmsr-453	291	23	only	only	ADV
bjmsr-453	291	24	75.5	75.5	NUM
bjmsr-453	291	25	%	%	NOUN
bjmsr-453	291	26	.	.	PUNCT
bjmsr-453	292	1	nevertheless	nevertheless	ADV
bjmsr-453	292	2	,	,	PUNCT
bjmsr-453	292	3	discriminate	discriminate	VERB
bjmsr-453	292	4	analysis	analysis	NOUN
bjmsr-453	292	5	is	be	AUX
bjmsr-453	292	6	more	more	ADV
bjmsr-453	292	7	appropriate	appropriate	ADJ
bjmsr-453	292	8	as	as	ADP
bjmsr-453	292	9	a	a	DET
bjmsr-453	292	10	financial	financial	ADJ
bjmsr-453	292	11	credit	credit	NOUN
bjmsr-453	292	12	scoring	scoring	NOUN
bjmsr-453	292	13	model	model	NOUN
bjmsr-453	292	14	because	because	SCONJ
bjmsr-453	292	15	the	the	DET
bjmsr-453	292	16	probability	probability	NOUN
bjmsr-453	292	17	of	of	ADP
bjmsr-453	292	18	predicting	predict	VERB
bjmsr-453	292	19	correctly	correctly	ADV
bjmsr-453	292	20	using	use	VERB
bjmsr-453	292	21	discriminate	discriminate	ADJ
bjmsr-453	292	22	analysis	analysis	NOUN
bjmsr-453	292	23	is	be	AUX
bjmsr-453	292	24	more	more	ADJ
bjmsr-453	292	25	than	than	ADP
bjmsr-453	292	26	75	75	NUM
bjmsr-453	292	27	%	%	NOUN
bjmsr-453	292	28	for	for	ADP
bjmsr-453	292	29	both	both	CCONJ
bjmsr-453	292	30	overdue	overdue	ADJ
bjmsr-453	292	31	and	and	CCONJ
bjmsr-453	292	32	non	non	ADJ
bjmsr-453	292	33	-	-	ADJ
bjmsr-453	292	34	overdue	overdue	ADJ
bjmsr-453	292	35	people	people	NOUN
bjmsr-453	292	36	.	.	PUNCT
bjmsr-453	293	1	although	although	SCONJ
bjmsr-453	293	2	the	the	DET
bjmsr-453	293	3	prediction	prediction	NOUN
bjmsr-453	293	4	accuracy	accuracy	NOUN
bjmsr-453	293	5	of	of	ADP
bjmsr-453	293	6	the	the	DET
bjmsr-453	293	7	random	random	ADJ
bjmsr-453	293	8	forest	forest	NOUN
bjmsr-453	293	9	model	model	NOUN
bjmsr-453	293	10	and	and	CCONJ
bjmsr-453	293	11	the	the	DET
bjmsr-453	293	12	logistic	logistic	ADJ
bjmsr-453	293	13	regression	regression	NOUN
bjmsr-453	293	14	model	model	NOUN
bjmsr-453	293	15	is	be	AUX
bjmsr-453	293	16	95.6	95.6	NUM
bjmsr-453	293	17	%	%	NOUN
bjmsr-453	293	18	,	,	PUNCT
bjmsr-453	293	19	the	the	DET
bjmsr-453	293	20	prediction	prediction	NOUN
bjmsr-453	293	21	accuracy	accuracy	NOUN
bjmsr-453	293	22	for	for	ADP
bjmsr-453	293	23	overdue	overdue	ADJ
bjmsr-453	293	24	repayment	repayment	NOUN
bjmsr-453	293	25	is	be	AUX
bjmsr-453	293	26	0	0	NUM
bjmsr-453	293	27	,	,	PUNCT
bjmsr-453	293	28	which	which	PRON
bjmsr-453	293	29	is	be	AUX
bjmsr-453	293	30	not	not	PART
bjmsr-453	293	31	practical	practical	ADJ
bjmsr-453	293	32	for	for	ADP
bjmsr-453	293	33	practical	practical	ADJ
bjmsr-453	293	34	application	application	NOUN
bjmsr-453	293	35	.	.	PUNCT
bjmsr-453	294	1	8.2	8.2	NUM
bjmsr-453	294	2	policy	policy	NOUN
bjmsr-453	294	3	recommendation	recommendation	NOUN
bjmsr-453	294	4	first	first	ADV
bjmsr-453	294	5	,	,	PUNCT
bjmsr-453	294	6	it	it	PRON
bjmsr-453	294	7	is	be	AUX
bjmsr-453	294	8	time	time	NOUN
bjmsr-453	294	9	to	to	PART
bjmsr-453	294	10	build	build	VERB
bjmsr-453	294	11	a	a	DET
bjmsr-453	294	12	personal	personal	ADJ
bjmsr-453	294	13	credit	credit	NOUN
bjmsr-453	294	14	information	information	NOUN
bjmsr-453	294	15	system	system	NOUN
bjmsr-453	294	16	in	in	ADP
bjmsr-453	294	17	line	line	NOUN
bjmsr-453	294	18	with	with	ADP
bjmsr-453	294	19	china	china	PROPN
bjmsr-453	294	20	's	's	PART
bjmsr-453	294	21	national	national	ADJ
bjmsr-453	294	22	conditions	condition	NOUN
bjmsr-453	294	23	.	.	PUNCT
bjmsr-453	295	1	compared	compare	VERB
bjmsr-453	295	2	with	with	ADP
bjmsr-453	295	3	other	other	ADJ
bjmsr-453	295	4	countries	country	NOUN
bjmsr-453	295	5	,	,	PUNCT
bjmsr-453	295	6	the	the	DET
bjmsr-453	295	7	construction	construction	NOUN
bjmsr-453	295	8	of	of	ADP
bjmsr-453	295	9	the	the	DET
bjmsr-453	295	10	personal	personal	ADJ
bjmsr-453	295	11	credit	credit	NOUN
bjmsr-453	295	12	information	information	NOUN
bjmsr-453	295	13	system	system	NOUN
bjmsr-453	295	14	in	in	ADP
bjmsr-453	295	15	china	china	PROPN
bjmsr-453	295	16	started	start	VERB
bjmsr-453	295	17	relatively	relatively	ADV
bjmsr-453	295	18	late	late	ADV
bjmsr-453	295	19	(	(	PUNCT
bjmsr-453	295	20	han	han	PROPN
bjmsr-453	295	21	et	et	PROPN
bjmsr-453	295	22	al	al	PROPN
bjmsr-453	295	23	.	.	PROPN
bjmsr-453	295	24	,	,	PUNCT
bjmsr-453	295	25	2013	2013	NUM
bjmsr-453	295	26	;	;	PUNCT
bjmsr-453	295	27	cheng	cheng	PROPN
bjmsr-453	295	28	&	&	CCONJ
bjmsr-453	295	29	suyang	suyang	PROPN
bjmsr-453	295	30	,	,	PUNCT
bjmsr-453	295	31	2014	2014	NUM
bjmsr-453	295	32	)	)	PUNCT
bjmsr-453	295	33	.	.	PUNCT
bjmsr-453	296	1	at	at	ADP
bjmsr-453	296	2	present	present	ADJ
bjmsr-453	296	3	,	,	PUNCT
bjmsr-453	296	4	a	a	DET
bjmsr-453	296	5	perfect	perfect	ADJ
bjmsr-453	296	6	and	and	CCONJ
bjmsr-453	296	7	reasonable	reasonable	ADJ
bjmsr-453	296	8	personal	personal	ADJ
bjmsr-453	296	9	credit	credit	NOUN
bjmsr-453	296	10	information	information	NOUN
bjmsr-453	296	11	system	system	NOUN
bjmsr-453	296	12	has	have	AUX
bjmsr-453	296	13	not	not	PART
bjmsr-453	296	14	been	be	AUX
bjmsr-453	296	15	formed	form	VERB
bjmsr-453	296	16	,	,	PUNCT
bjmsr-453	296	17	and	and	CCONJ
bjmsr-453	296	18	personal	personal	ADJ
bjmsr-453	296	19	credit	credit	NOUN
bjmsr-453	296	20	information	information	NOUN
bjmsr-453	296	21	is	be	AUX
bjmsr-453	296	22	lacking	lack	VERB
bjmsr-453	296	23	severely	severely	ADV
bjmsr-453	296	24	.	.	PUNCT
bjmsr-453	297	1	especially	especially	ADV
bjmsr-453	297	2	with	with	ADP
bjmsr-453	297	3	the	the	DET
bjmsr-453	297	4	rapid	rapid	ADJ
bjmsr-453	297	5	development	development	NOUN
bjmsr-453	297	6	of	of	ADP
bjmsr-453	297	7	china	china	PROPN
bjmsr-453	297	8	's	's	PART
bjmsr-453	297	9	consumer	consumer	NOUN
bjmsr-453	297	10	credit	credit	NOUN
bjmsr-453	297	11	market	market	NOUN
bjmsr-453	297	12	in	in	ADP
bjmsr-453	297	13	recent	recent	ADJ
bjmsr-453	297	14	years	year	NOUN
bjmsr-453	297	15	,	,	PUNCT
bjmsr-453	297	16	a	a	DET
bjmsr-453	297	17	complete	complete	ADJ
bjmsr-453	297	18	personal	personal	ADJ
bjmsr-453	297	19	credit	credit	NOUN
bjmsr-453	297	20	information	information	NOUN
bjmsr-453	297	21	system	system	NOUN
bjmsr-453	297	22	is	be	AUX
bjmsr-453	297	23	urgently	urgently	ADV
bjmsr-453	297	24	needed	need	VERB
bjmsr-453	297	25	to	to	PART
bjmsr-453	297	26	guide	guide	VERB
bjmsr-453	297	27	the	the	DET
bjmsr-453	297	28	healthy	healthy	ADJ
bjmsr-453	297	29	development	development	NOUN
bjmsr-453	297	30	of	of	ADP
bjmsr-453	297	31	the	the	DET
bjmsr-453	297	32	market	market	NOUN
bjmsr-453	297	33	(	(	PUNCT
bjmsr-453	297	34	huang	huang	PROPN
bjmsr-453	297	35	et	et	PROPN
bjmsr-453	297	36	al	al	PROPN
bjmsr-453	297	37	.	.	PROPN
bjmsr-453	297	38	,	,	PUNCT
bjmsr-453	297	39	2016	2016	NUM
bjmsr-453	297	40	)	)	PUNCT
bjmsr-453	297	41	.	.	PUNCT
bjmsr-453	298	1	at	at	ADP
bjmsr-453	298	2	present	present	ADJ
bjmsr-453	298	3	,	,	PUNCT
bjmsr-453	298	4	most	most	ADJ
bjmsr-453	298	5	of	of	ADP
bjmsr-453	298	6	the	the	DET
bjmsr-453	298	7	personal	personal	ADJ
bjmsr-453	298	8	credit	credit	NOUN
bjmsr-453	298	9	scores	score	NOUN
bjmsr-453	298	10	of	of	ADP
bjmsr-453	298	11	the	the	DET
bjmsr-453	298	12	traditional	traditional	ADJ
bjmsr-453	298	13	credit	credit	NOUN
bjmsr-453	298	14	agencies	agency	NOUN
bjmsr-453	298	15	in	in	ADP
bjmsr-453	298	16	china	china	PROPN
bjmsr-453	298	17	are	be	AUX
bjmsr-453	298	18	still	still	ADV
bjmsr-453	298	19	in	in	ADP
bjmsr-453	298	20	the	the	DET
bjmsr-453	298	21	stage	stage	NOUN
bjmsr-453	298	22	of	of	ADP
bjmsr-453	298	23	subjective	subjective	ADJ
bjmsr-453	298	24	judgment	judgment	NOUN
bjmsr-453	298	25	and	and	CCONJ
bjmsr-453	298	26	have	have	VERB
bjmsr-453	298	27	high	high	ADJ
bjmsr-453	298	28	randomness	randomness	NOUN
bjmsr-453	298	29	(	(	PUNCT
bjmsr-453	298	30	hu	hu	PROPN
bjmsr-453	298	31	&	&	CCONJ
bjmsr-453	298	32	ge	ge	PROPN
bjmsr-453	298	33	,	,	PUNCT
bjmsr-453	298	34	2018	2018	NUM
bjmsr-453	298	35	)	)	PUNCT
bjmsr-453	298	36	.	.	PUNCT
bjmsr-453	299	1	although	although	SCONJ
bjmsr-453	299	2	the	the	DET
bjmsr-453	299	3	personal	personal	ADJ
bjmsr-453	299	4	credit	credit	NOUN
bjmsr-453	299	5	scoring	scoring	NOUN
bjmsr-453	299	6	methods	method	NOUN
bjmsr-453	299	7	in	in	ADP
bjmsr-453	299	8	some	some	DET
bjmsr-453	299	9	foreign	foreign	ADJ
bjmsr-453	299	10	countries	country	NOUN
bjmsr-453	299	11	are	be	AUX
bjmsr-453	299	12	relatively	relatively	ADV
bjmsr-453	299	13	mature	mature	ADJ
bjmsr-453	299	14	and	and	CCONJ
bjmsr-453	299	15	have	have	AUX
bjmsr-453	299	16	been	be	AUX
bjmsr-453	299	17	quantified	quantify	VERB
bjmsr-453	299	18	by	by	ADP
bjmsr-453	299	19	a	a	DET
bjmsr-453	299	20	large	large	ADJ
bjmsr-453	299	21	number	number	NOUN
bjmsr-453	299	22	of	of	ADP
bjmsr-453	299	23	artificial	artificial	ADJ
bjmsr-453	299	24	intelligence	intelligence	NOUN
bjmsr-453	299	25	and	and	CCONJ
bjmsr-453	299	26	statistical	statistical	ADJ
bjmsr-453	299	27	methods	method	NOUN
bjmsr-453	299	28	,	,	PUNCT
bjmsr-453	299	29	there	there	PRON
bjmsr-453	299	30	are	be	VERB
bjmsr-453	299	31	significant	significant	ADJ
bjmsr-453	299	32	controversies	controversy	NOUN
bjmsr-453	299	33	on	on	ADP
bjmsr-453	299	34	the	the	DET
bjmsr-453	299	35	performance	performance	NOUN
bjmsr-453	299	36	and	and	CCONJ
bjmsr-453	299	37	stability	stability	NOUN
bjmsr-453	299	38	of	of	ADP
bjmsr-453	299	39	each	each	DET
bjmsr-453	299	40	method	method	NOUN
bjmsr-453	299	41	,	,	PUNCT
bjmsr-453	299	42	and	and	CCONJ
bjmsr-453	299	43	china	china	PROPN
bjmsr-453	299	44	does	do	AUX
bjmsr-453	299	45	not	not	PART
bjmsr-453	299	46	have	have	VERB
bjmsr-453	299	47	the	the	DET
bjmsr-453	299	48	functional	functional	ADJ
bjmsr-453	299	49	conditions	condition	NOUN
bjmsr-453	299	50	to	to	PART
bjmsr-453	299	51	apply	apply	VERB
bjmsr-453	299	52	these	these	DET
bjmsr-453	299	53	methods	method	NOUN
bjmsr-453	299	54	(	(	PUNCT
bjmsr-453	299	55	sachs	sachs	PROPN
bjmsr-453	299	56	et	et	PROPN
bjmsr-453	299	57	al	al	PROPN
bjmsr-453	299	58	.	.	PROPN
bjmsr-453	299	59	,	,	PUNCT
bjmsr-453	299	60	2007).thus	2007).thus	NUM
bjmsr-453	299	61	,	,	PUNCT
bjmsr-453	299	62	china	china	PROPN
bjmsr-453	299	63	needs	need	VERB
bjmsr-453	299	64	to	to	PART
bjmsr-453	299	65	build	build	VERB
bjmsr-453	299	66	a	a	DET
bjmsr-453	299	67	personal	personal	ADJ
bjmsr-453	299	68	credit	credit	NOUN
bjmsr-453	299	69	system	system	NOUN
bjmsr-453	299	70	with	with	ADP
bjmsr-453	299	71	chinese	chinese	ADJ
bjmsr-453	299	72	characteristics	characteristic	NOUN
bjmsr-453	299	73	.	.	PUNCT
bjmsr-453	300	1	second	second	ADJ
bjmsr-453	300	2	,	,	PUNCT
bjmsr-453	300	3	the	the	DET
bjmsr-453	300	4	construction	construction	NOUN
bjmsr-453	300	5	of	of	ADP
bjmsr-453	300	6	a	a	DET
bjmsr-453	300	7	suitable	suitable	ADJ
bjmsr-453	300	8	personal	personal	ADJ
bjmsr-453	300	9	credit	credit	NOUN
bjmsr-453	300	10	evaluation	evaluation	NOUN
bjmsr-453	300	11	index	index	NOUN
bjmsr-453	300	12	system	system	NOUN
bjmsr-453	300	13	.	.	PUNCT
bjmsr-453	301	1	the	the	DET
bjmsr-453	301	2	following	follow	VERB
bjmsr-453	301	3	two	two	NUM
bjmsr-453	301	4	problems	problem	NOUN
bjmsr-453	301	5	should	should	AUX
bjmsr-453	301	6	be	be	AUX
bjmsr-453	301	7	considered	consider	VERB
bjmsr-453	301	8	when	when	SCONJ
bjmsr-453	301	9	establishing	establish	VERB
bjmsr-453	301	10	the	the	DET
bjmsr-453	301	11	evaluation	evaluation	NOUN
bjmsr-453	301	12	index	index	NOUN
bjmsr-453	301	13	system.on	system.on	X
bjmsr-453	301	14	the	the	DET
bjmsr-453	301	15	one	one	NUM
bjmsr-453	301	16	hand	hand	NOUN
bjmsr-453	301	17	,	,	PUNCT
bjmsr-453	301	18	the	the	DET
bjmsr-453	301	19	evaluation	evaluation	NOUN
bjmsr-453	301	20	system	system	NOUN
bjmsr-453	301	21	constructed	construct	VERB
bjmsr-453	301	22	should	should	AUX
bjmsr-453	301	23	be	be	AUX
bjmsr-453	301	24	able	able	ADJ
bjmsr-453	301	25	to	to	PART
bjmsr-453	301	26	make	make	VERB
bjmsr-453	301	27	full	full	ADJ
bjmsr-453	301	28	use	use	NOUN
bjmsr-453	301	29	of	of	ADP
bjmsr-453	301	30	all	all	DET
bjmsr-453	301	31	the	the	DET
bjmsr-453	301	32	data.on	data.on	NOUN
bjmsr-453	301	33	the	the	DET
bjmsr-453	301	34	other	other	ADJ
bjmsr-453	301	35	hand	hand	NOUN
bjmsr-453	301	36	,	,	PUNCT
bjmsr-453	301	37	the	the	DET
bjmsr-453	301	38	evaluation	evaluation	NOUN
bjmsr-453	301	39	system	system	NOUN
bjmsr-453	301	40	constructed	construct	VERB
bjmsr-453	301	41	should	should	AUX
bjmsr-453	301	42	be	be	AUX
bjmsr-453	301	43	able	able	ADJ
bjmsr-453	301	44	to	to	PART
bjmsr-453	301	45	evaluate	evaluate	VERB
bjmsr-453	301	46	individual	individual	ADJ
bjmsr-453	301	47	credit	credit	NOUN
bjmsr-453	301	48	from	from	ADP
bjmsr-453	301	49	multiple	multiple	ADJ
bjmsr-453	301	50	perspectives	perspective	NOUN
bjmsr-453	301	51	.	.	PUNCT
bjmsr-453	302	1	finally	finally	ADV
bjmsr-453	302	2	,	,	PUNCT
bjmsr-453	302	3	establish	establish	VERB
bjmsr-453	302	4	a	a	DET
bjmsr-453	302	5	suitable	suitable	ADJ
bjmsr-453	302	6	personal	personal	ADJ
bjmsr-453	302	7	credit	credit	NOUN
bjmsr-453	302	8	scoring	scoring	NOUN
bjmsr-453	302	9	model	model	NOUN
bjmsr-453	302	10	.	.	PUNCT
bjmsr-453	303	1	in	in	ADP
bjmsr-453	303	2	this	this	DET
bjmsr-453	303	3	paper	paper	NOUN
bjmsr-453	303	4	,	,	PUNCT
bjmsr-453	303	5	we	we	PRON
bjmsr-453	303	6	tried	try	VERB
bjmsr-453	303	7	other	other	ADJ
bjmsr-453	303	8	credit	credit	NOUN
bjmsr-453	303	9	scoring	scoring	NOUN
bjmsr-453	303	10	models	model	NOUN
bjmsr-453	303	11	before	before	ADP
bjmsr-453	303	12	determining	determine	VERB
bjmsr-453	303	13	the	the	DET
bjmsr-453	303	14	objective	objective	ADJ
bjmsr-453	303	15	evaluation	evaluation	NOUN
bjmsr-453	303	16	model	model	NOUN
bjmsr-453	303	17	,	,	PUNCT
bjmsr-453	303	18	but	but	CCONJ
bjmsr-453	303	19	the	the	DET
bjmsr-453	303	20	model	model	NOUN
bjmsr-453	303	21	discrimination	discrimination	NOUN
bjmsr-453	303	22	ability	ability	NOUN
bjmsr-453	303	23	and	and	CCONJ
bjmsr-453	303	24	robustness	robustness	NOUN
bjmsr-453	303	25	are	be	AUX
bjmsr-453	303	26	not	not	PART
bjmsr-453	303	27	as	as	ADV
bjmsr-453	303	28	good	good	ADJ
bjmsr-453	303	29	as	as	ADP
bjmsr-453	303	30	the	the	DET
bjmsr-453	303	31	random	random	ADJ
bjmsr-453	303	32	forest	forest	NOUN
bjmsr-453	303	33	model	model	NOUN
bjmsr-453	303	34	,	,	PUNCT
bjmsr-453	303	35	discrete	discrete	VERB
bjmsr-453	303	36	analysis	analysis	NOUN
bjmsr-453	303	37	and	and	CCONJ
bjmsr-453	303	38	logistic	logistic	ADJ
bjmsr-453	303	39	regression	regression	NOUN
bjmsr-453	303	40	selected	select	VERB
bjmsr-453	303	41	in	in	ADP
bjmsr-453	303	42	this	this	DET
bjmsr-453	303	43	paper	paper	NOUN
bjmsr-453	303	44	.	.	PUNCT
bjmsr-453	304	1	9	9	X
bjmsr-453	304	2	.	.	X
bjmsr-453	304	3	research	research	NOUN
bjmsr-453	304	4	prospects	prospect	NOUN
bjmsr-453	304	5	although	although	SCONJ
bjmsr-453	304	6	this	this	DET
bjmsr-453	304	7	paper	paper	NOUN
bjmsr-453	304	8	discusses	discuss	VERB
bjmsr-453	304	9	a	a	DET
bjmsr-453	304	10	variety	variety	NOUN
bjmsr-453	304	11	of	of	ADP
bjmsr-453	304	12	personal	personal	ADJ
bjmsr-453	304	13	consumption	consumption	NOUN
bjmsr-453	304	14	credit	credit	NOUN
bjmsr-453	304	15	evaluation	evaluation	NOUN
bjmsr-453	304	16	model	model	NOUN
bjmsr-453	304	17	,	,	PUNCT
bjmsr-453	304	18	respectively	respectively	ADV
bjmsr-453	304	19	,	,	PUNCT
bjmsr-453	304	20	the	the	DET
bjmsr-453	304	21	random	random	ADJ
bjmsr-453	304	22	forest	forest	NOUN
bjmsr-453	304	23	model	model	NOUN
bjmsr-453	304	24	,	,	PUNCT
bjmsr-453	304	25	discriminant	discriminant	ADJ
bjmsr-453	304	26	analysis	analysis	NOUN
bjmsr-453	304	27	,	,	PUNCT
bjmsr-453	304	28	logistic	logistic	ADJ
bjmsr-453	304	29	regression	regression	NOUN
bjmsr-453	304	30	model	model	NOUN
bjmsr-453	304	31	for	for	ADP
bjmsr-453	304	32	empirical	empirical	ADJ
bjmsr-453	304	33	analysis	analysis	NOUN
bjmsr-453	304	34	and	and	CCONJ
bjmsr-453	304	35	comparison	comparison	NOUN
bjmsr-453	304	36	,	,	PUNCT
bjmsr-453	304	37	proved	prove	VERB
bjmsr-453	304	38	that	that	SCONJ
bjmsr-453	304	39	the	the	DET
bjmsr-453	304	40	combination	combination	NOUN
bjmsr-453	304	41	of	of	ADP
bjmsr-453	304	42	model	model	NOUN
bjmsr-453	304	43	optimization	optimization	NOUN
bjmsr-453	304	44	role	role	NOUN
bjmsr-453	304	45	,	,	PUNCT
bjmsr-453	304	46	but	but	CCONJ
bjmsr-453	304	47	there	there	PRON
bjmsr-453	304	48	are	be	VERB
bjmsr-453	304	49	still	still	ADV
bjmsr-453	304	50	some	some	DET
bjmsr-453	304	51	shortcomings	shortcoming	NOUN
bjmsr-453	304	52	in	in	ADP
bjmsr-453	304	53	practical	practical	ADJ
bjmsr-453	304	54	applications	application	NOUN
bjmsr-453	304	55	,	,	PUNCT
bjmsr-453	304	56	mainly	mainly	ADV
bjmsr-453	304	57	in	in	ADP
bjmsr-453	304	58	:	:	PUNCT
bjmsr-453	304	59	first	first	ADV
bjmsr-453	304	60	,	,	PUNCT
bjmsr-453	304	61	as	as	SCONJ
bjmsr-453	304	62	many	many	ADJ
bjmsr-453	304	63	variables	variable	NOUN
bjmsr-453	304	64	as	as	ADP
bjmsr-453	304	65	possible	possible	ADJ
bjmsr-453	304	66	should	should	AUX
bjmsr-453	304	67	be	be	AUX
bjmsr-453	304	68	introduced	introduce	VERB
bjmsr-453	304	69	.	.	PUNCT
bjmsr-453	305	1	variables	variable	NOUN
bjmsr-453	305	2	used	use	VERB
bjmsr-453	305	3	in	in	ADP
bjmsr-453	305	4	this	this	DET
bjmsr-453	305	5	paper	paper	NOUN
bjmsr-453	305	6	involve	involve	VERB
bjmsr-453	305	7	fewer	few	ADJ
bjmsr-453	305	8	types	type	NOUN
bjmsr-453	305	9	due	due	ADP
bjmsr-453	305	10	to	to	ADP
bjmsr-453	305	11	data	datum	NOUN
bjmsr-453	305	12	type	type	NOUN
bjmsr-453	305	13	limitations	limitation	NOUN
bjmsr-453	305	14	.	.	PUNCT
bjmsr-453	306	1	if	if	SCONJ
bjmsr-453	306	2	the	the	DET
bjmsr-453	306	3	data	datum	NOUN
bjmsr-453	306	4	can	can	AUX
bjmsr-453	306	5	reflect	reflect	VERB
bjmsr-453	306	6	the	the	DET
bjmsr-453	306	7	customer	customer	NOUN
bjmsr-453	306	8	credit	credit	NOUN
bjmsr-453	306	9	behavior	behavior	NOUN
bjmsr-453	306	10	,	,	PUNCT
bjmsr-453	306	11	the	the	DET
bjmsr-453	306	12	effect	effect	NOUN
bjmsr-453	306	13	of	of	ADP
bjmsr-453	306	14	the	the	DET
bjmsr-453	306	15	model	model	NOUN
bjmsr-453	306	16	will	will	AUX
bjmsr-453	306	17	be	be	AUX
bjmsr-453	306	18	significantly	significantly	ADV
bjmsr-453	306	19	improved	improve	VERB
bjmsr-453	306	20	.	.	PUNCT
bjmsr-453	307	1	due	due	ADP
bjmsr-453	307	2	to	to	ADP
bjmsr-453	307	3	the	the	DET
bjmsr-453	307	4	limited	limited	ADJ
bjmsr-453	307	5	sample	sample	NOUN
bjmsr-453	307	6	size	size	NOUN
bjmsr-453	307	7	in	in	ADP
bjmsr-453	307	8	this	this	DET
bjmsr-453	307	9	research	research	NOUN
bjmsr-453	307	10	,	,	PUNCT
bjmsr-453	307	11	further	further	ADJ
bjmsr-453	307	12	tests	test	NOUN
bjmsr-453	307	13	are	be	AUX
bjmsr-453	307	14	needed	need	VERB
bjmsr-453	307	15	to	to	PART
bjmsr-453	307	16	determine	determine	VERB
bjmsr-453	307	17	the	the	DET
bjmsr-453	307	18	accuracy	accuracy	NOUN
bjmsr-453	307	19	of	of	ADP
bjmsr-453	307	20	deferred	deferred	ADJ
bjmsr-453	307	21	repayment	repayment	NOUN
bjmsr-453	307	22	and	and	CCONJ
bjmsr-453	307	23	on	on	ADP
bjmsr-453	307	24	-	-	PUNCT
bjmsr-453	307	25	time	time	NOUN
bjmsr-453	307	26	repayment	repayment	NOUN
bjmsr-453	307	27	.	.	PUNCT
bjmsr-453	308	1	finally	finally	ADV
bjmsr-453	308	2	,	,	PUNCT
bjmsr-453	308	3	efforts	effort	NOUN
bjmsr-453	308	4	should	should	AUX
bjmsr-453	308	5	be	be	AUX
bjmsr-453	308	6	made	make	VERB
bjmsr-453	308	7	to	to	PART
bjmsr-453	308	8	produce	produce	VERB
bjmsr-453	308	9	multilevel	multilevel	NOUN
bjmsr-453	308	10	classifications	classification	NOUN
bjmsr-453	308	11	.	.	PUNCT
bjmsr-453	309	1	in	in	ADP
bjmsr-453	309	2	this	this	DET
bjmsr-453	309	3	paper	paper	NOUN
bjmsr-453	309	4	,	,	PUNCT
bjmsr-453	309	5	the	the	DET
bjmsr-453	309	6	sample	sample	NOUN
bjmsr-453	309	7	according	accord	VERB
bjmsr-453	309	8	to	to	ADP
bjmsr-453	309	9	whether	whether	SCONJ
bjmsr-453	309	10	overdue	overdue	ADJ
bjmsr-453	309	11	agents	agent	NOUN
bjmsr-453	309	12	and	and	CCONJ
bjmsr-453	309	13	no	no	DET
bjmsr-453	309	14	agent	agent	NOUN
bjmsr-453	309	15	sample	sample	NOUN
bjmsr-453	309	16	,	,	PUNCT
bjmsr-453	309	17	but	but	CCONJ
bjmsr-453	309	18	in	in	ADP
bjmsr-453	309	19	reality	reality	NOUN
bjmsr-453	309	20	,	,	PUNCT
bjmsr-453	309	21	is	be	AUX
bjmsr-453	309	22	far	far	ADV
bjmsr-453	309	23	from	from	ADP
bjmsr-453	309	24	that	that	DET
bjmsr-453	309	25	simple	simple	NOUN
bjmsr-453	309	26	.	.	PUNCT
bjmsr-453	310	1	references	reference	NOUN
bjmsr-453	310	2	allen	allen	PROPN
bjmsr-453	310	3	,	,	PUNCT
bjmsr-453	310	4	f.	f.	PROPN
bjmsr-453	310	5	,	,	PUNCT
bjmsr-453	310	6	qian	qian	PROPN
bjmsr-453	310	7	,	,	PUNCT
bjmsr-453	310	8	j.	j.	PROPN
bjmsr-453	310	9	,	,	PUNCT
bjmsr-453	310	10	&	&	CCONJ
bjmsr-453	310	11	qian	qian	PROPN
bjmsr-453	310	12	,	,	PUNCT
bjmsr-453	310	13	m.	m.	NOUN
bjmsr-453	310	14	(	(	PUNCT
bjmsr-453	310	15	2007	2007	NUM
bjmsr-453	310	16	)	)	PUNCT
bjmsr-453	310	17	.	.	PUNCT
bjmsr-453	311	1	china	china	PROPN
bjmsr-453	311	2	's	's	PART
bjmsr-453	311	3	financial	financial	ADJ
bjmsr-453	311	4	system	system	NOUN
bjmsr-453	311	5	:	:	PUNCT
bjmsr-453	311	6	past	past	ADJ
bjmsr-453	311	7	,	,	PUNCT
bjmsr-453	311	8	present	present	ADJ
bjmsr-453	311	9	,	,	PUNCT
bjmsr-453	311	10	and	and	CCONJ
bjmsr-453	311	11	future	future	NOUN
bjmsr-453	311	12	,	,	PUNCT
bjmsr-453	311	13	available	available	ADJ
bjmsr-453	311	14	at	at	ADP
bjmsr-453	311	15	ssrn	ssrn	PROPN
bjmsr-453	311	16	:	:	PUNCT
bjmsr-453	311	17	https://ssrn.com/abstract=978485	https://ssrn.com/abstract=978485	PROPN
bjmsr-453	311	18	.	.	PROPN
bjmsr-453	311	19	allen	allen	PROPN
bjmsr-453	311	20	,	,	PUNCT
bjmsr-453	311	21	l.	l.	PROPN
bjmsr-453	311	22	,	,	PUNCT
bjmsr-453	311	23	delong	delong	PROPN
bjmsr-453	311	24	,	,	PUNCT
bjmsr-453	311	25	g.	g.	PROPN
bjmsr-453	311	26	,	,	PUNCT
bjmsr-453	311	27	&	&	CCONJ
bjmsr-453	311	28	saunders	saunders	PROPN
bjmsr-453	311	29	,	,	PUNCT
bjmsr-453	311	30	a.	a.	NOUN
bjmsr-453	311	31	(	(	PUNCT
bjmsr-453	311	32	2004	2004	NUM
bjmsr-453	311	33	)	)	PUNCT
bjmsr-453	311	34	.	.	PUNCT
bjmsr-453	312	1	issues	issue	NOUN
bjmsr-453	312	2	in	in	ADP
bjmsr-453	312	3	the	the	DET
bjmsr-453	312	4	credit	credit	NOUN
bjmsr-453	312	5	risk	risk	NOUN
bjmsr-453	312	6	modeling	modeling	NOUN
bjmsr-453	312	7	of	of	ADP
bjmsr-453	312	8	retail	retail	ADJ
bjmsr-453	312	9	markets	market	NOUN
bjmsr-453	312	10	,	,	PUNCT
bjmsr-453	312	11	journal	journal	NOUN
bjmsr-453	312	12	of	of	ADP
bjmsr-453	312	13	banking	banking	NOUN
bjmsr-453	312	14	&	&	CCONJ
bjmsr-453	312	15	finance,28(4),727	finance,28(4),727	X
bjmsr-453	312	16	-	-	PUNCT
bjmsr-453	312	17	752	752	NUM
bjmsr-453	312	18	.	.	PUNCT
bjmsr-453	313	1	anonymous	anonymous	ADJ
bjmsr-453	313	2	.	.	PUNCT
bjmsr-453	314	1	(	(	PUNCT
bjmsr-453	314	2	2017	2017	NUM
bjmsr-453	314	3	)	)	PUNCT
bjmsr-453	314	4	.	.	PUNCT
bjmsr-453	315	1	chinese	chinese	ADJ
bjmsr-453	315	2	statistical	statistical	ADJ
bjmsr-453	315	3	yearbook	yearbook	NOUN
bjmsr-453	315	4	.	.	PUNCT
bjmsr-453	316	1	retrieved	retrieve	VERB
bjmsr-453	316	2	from	from	ADP
bjmsr-453	316	3	http://www.stats.gov.cn/tjsj/ndsj/2017/indexeh.htm	http://www.stats.gov.cn/tjsj/ndsj/2017/indexeh.htm	PROPN
bjmsr-453	316	4	berger	berger	PROPN
bjmsr-453	316	5	,	,	PUNCT
bjmsr-453	316	6	a.n	a.n	PROPN
bjmsr-453	316	7	.	.	PROPN
bjmsr-453	316	8	,	,	PUNCT
bjmsr-453	316	9	&	&	CCONJ
bjmsr-453	316	10	udell	udell	PROPN
bjmsr-453	316	11	,	,	PUNCT
bjmsr-453	316	12	g.f	g.f	PROPN
bjmsr-453	316	13	.	.	PROPN
bjmsr-453	317	1	(	(	PUNCT
bjmsr-453	317	2	2002	2002	NUM
bjmsr-453	317	3	)	)	PUNCT
bjmsr-453	317	4	.	.	PUNCT
bjmsr-453	318	1	small	small	ADJ
bjmsr-453	318	2	business	business	NOUN
bjmsr-453	318	3	credit	credit	NOUN
bjmsr-453	318	4	availability	availability	NOUN
bjmsr-453	318	5	and	and	CCONJ
bjmsr-453	318	6	relationship	relationship	NOUN
bjmsr-453	318	7	lending	lending	NOUN
bjmsr-453	318	8	:	:	PUNCT
bjmsr-453	318	9	the	the	DET
bjmsr-453	318	10	importance	importance	NOUN
bjmsr-453	318	11	of	of	ADP
bjmsr-453	318	12	bank	bank	NOUN
bjmsr-453	318	13	organisational	organisational	ADJ
bjmsr-453	318	14	structure	structure	NOUN
bjmsr-453	318	15	,	,	PUNCT
bjmsr-453	318	16	the	the	DET
bjmsr-453	318	17	economic	economic	ADJ
bjmsr-453	318	18	journal,112(477),32	journal,112(477),32	NOUN
bjmsr-453	318	19	-	-	PUNCT
bjmsr-453	318	20	53	53	NUM
bjmsr-453	318	21	.	.	PUNCT
bjmsr-453	319	1	bikker	bikker	PROPN
bjmsr-453	319	2	,	,	PUNCT
bjmsr-453	319	3	j.a	j.a	PROPN
bjmsr-453	319	4	.	.	PROPN
bjmsr-453	319	5	,	,	PUNCT
bjmsr-453	319	6	&	&	CCONJ
bjmsr-453	319	7	haaf	haaf	PROPN
bjmsr-453	319	8	,	,	PUNCT
bjmsr-453	319	9	k.	k.	PROPN
bjmsr-453	319	10	(	(	PUNCT
bjmsr-453	319	11	2000	2000	NUM
bjmsr-453	319	12	)	)	PUNCT
bjmsr-453	319	13	.	.	PUNCT
bjmsr-453	320	1	measures	measure	NOUN
bjmsr-453	320	2	of	of	ADP
bjmsr-453	320	3	competition	competition	NOUN
bjmsr-453	320	4	and	and	CCONJ
bjmsr-453	320	5	concentration	concentration	NOUN
bjmsr-453	320	6	in	in	ADP
bjmsr-453	320	7	the	the	DET
bjmsr-453	320	8	banking	banking	NOUN
bjmsr-453	320	9	industry	industry	NOUN
bjmsr-453	320	10	:	:	PUNCT
bjmsr-453	320	11	a	a	DET
bjmsr-453	320	12	review	review	NOUN
bjmsr-453	320	13	of	of	ADP
bjmsr-453	320	14	the	the	DET
bjmsr-453	320	15	literature	literature	NOUN
bjmsr-453	320	16	,	,	PUNCT
bjmsr-453	320	17	economic	economic	PROPN
bjmsr-453	320	18	&	&	CCONJ
bjmsr-453	320	19	financial	financial	ADJ
bjmsr-453	320	20	modelling,1	modelling,1	PROPN
bjmsr-453	320	21	-	-	PUNCT
bjmsr-453	320	22	46	46	NUM
bjmsr-453	320	23	.	.	PUNCT
bjmsr-453	321	1	copyright	copyright	NOUN
bjmsr-453	321	2	©	©	PROPN
bjmsr-453	321	3	cc	cc	PROPN
bjmsr-453	321	4	-	-	PUNCT
bjmsr-453	321	5	by	by	ADP
bjmsr-453	321	6	-	-	PUNCT
bjmsr-453	321	7	nc	nc	PROPN
bjmsr-453	321	8	2020	2020	NUM
bjmsr-453	321	9	,	,	PUNCT
bjmsr-453	321	10	cribfb	cribfb	PROPN
bjmsr-453	321	11	|bjmsr	|bjmsr	PROPN
bjmsr-453	321	12	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	322	1	bangladesh	bangladesh	PROPN
bjmsr-453	322	2	journal	journal	PROPN
bjmsr-453	322	3	of	of	ADP
bjmsr-453	322	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	322	5	scientific	scientific	ADJ
bjmsr-453	322	6	research	research	NOUN
bjmsr-453	322	7	vol	vol	NOUN
bjmsr-453	322	8	.	.	PROPN
bjmsr-453	323	1	2	2	NUM
bjmsr-453	323	2	,	,	PUNCT
bjmsr-453	323	3	no	no	INTJ
bjmsr-453	323	4	.	.	NOUN
bjmsr-453	323	5	1	1	NUM
bjmsr-453	323	6	;	;	PUNCT
bjmsr-453	323	7	2020	2020	NUM
bjmsr-453	324	1	21	21	NUM
bjmsr-453	324	2	chen	chen	PROPN
bjmsr-453	324	3	,	,	PUNCT
bjmsr-453	324	4	h.c	h.c	PROPN
bjmsr-453	324	5	.	.	PROPN
bjmsr-453	324	6	,	,	PUNCT
bjmsr-453	324	7	&	&	CCONJ
bjmsr-453	324	8	chen	chen	PROPN
bjmsr-453	324	9	,	,	PUNCT
bjmsr-453	324	10	y.c	y.c	PROPN
bjmsr-453	324	11	.	.	PROPN
bjmsr-453	324	12	(	(	PUNCT
bjmsr-453	324	13	2010	2010	NUM
bjmsr-453	324	14	)	)	PUNCT
bjmsr-453	324	15	.	.	PUNCT
bjmsr-453	325	1	a	a	DET
bjmsr-453	325	2	comparative	comparative	ADJ
bjmsr-453	325	3	study	study	NOUN
bjmsr-453	325	4	of	of	ADP
bjmsr-453	325	5	discrimination	discrimination	NOUN
bjmsr-453	325	6	methods	method	NOUN
bjmsr-453	325	7	for	for	ADP
bjmsr-453	325	8	credit	credit	NOUN
bjmsr-453	325	9	scoring	scoring	NOUN
bjmsr-453	325	10	,	,	PUNCT
bjmsr-453	325	11	the	the	DET
bjmsr-453	325	12	40th	40th	ADJ
bjmsr-453	325	13	international	international	ADJ
bjmsr-453	325	14	conference	conference	NOUN
bjmsr-453	325	15	on	on	ADP
bjmsr-453	325	16	computers	computer	NOUN
bjmsr-453	325	17	&	&	CCONJ
bjmsr-453	325	18	industrial	industrial	ADJ
bjmsr-453	325	19	engineering	engineering	NOUN
bjmsr-453	325	20	.	.	PUNCT
bjmsr-453	326	1	creemers	creemer	NOUN
bjmsr-453	326	2	,	,	PUNCT
bjmsr-453	326	3	r.	r.	PROPN
bjmsr-453	326	4	(	(	PUNCT
bjmsr-453	326	5	2018	2018	NUM
bjmsr-453	326	6	)	)	PUNCT
bjmsr-453	326	7	.	.	PUNCT
bjmsr-453	327	1	china	china	PROPN
bjmsr-453	327	2	's	's	PART
bjmsr-453	327	3	social	social	ADJ
bjmsr-453	327	4	credit	credit	NOUN
bjmsr-453	327	5	system	system	NOUN
bjmsr-453	327	6	:	:	PUNCT
bjmsr-453	327	7	an	an	DET
bjmsr-453	327	8	evolving	evolve	VERB
bjmsr-453	327	9	practice	practice	NOUN
bjmsr-453	327	10	of	of	ADP
bjmsr-453	327	11	control	control	NOUN
bjmsr-453	327	12	,	,	PUNCT
bjmsr-453	327	13	available	available	ADJ
bjmsr-453	327	14	at	at	ADP
bjmsr-453	327	15	ssrn	ssrn	NOUN
bjmsr-453	327	16	:	:	PUNCT
bjmsr-453	327	17	https://ssrn.com/abstract=3175792	https://ssrn.com/abstract=3175792	PROPN
bjmsr-453	327	18	or	or	CCONJ
bjmsr-453	327	19	http://dx.doi.org/10.2139/ssrn.3175792	http://dx.doi.org/10.2139/ssrn.3175792	PROPN
bjmsr-453	327	20	.	.	PROPN
bjmsr-453	327	21	cheng	cheng	PROPN
bjmsr-453	327	22	,	,	PUNCT
bjmsr-453	327	23	c.	c.	PROPN
bjmsr-453	327	24	,	,	PUNCT
bjmsr-453	327	25	&	&	CCONJ
bjmsr-453	327	26	shuyang	shuyang	PROPN
bjmsr-453	327	27	,	,	PUNCT
bjmsr-453	327	28	o.	o.	PROPN
bjmsr-453	327	29	(	(	PUNCT
bjmsr-453	327	30	2014	2014	NUM
bjmsr-453	327	31	)	)	PUNCT
bjmsr-453	327	32	.	.	PUNCT
bjmsr-453	328	1	the	the	DET
bjmsr-453	328	2	status	status	NOUN
bjmsr-453	328	3	quo	quo	NOUN
bjmsr-453	328	4	and	and	CCONJ
bjmsr-453	328	5	problems	problem	NOUN
bjmsr-453	328	6	of	of	ADP
bjmsr-453	328	7	the	the	DET
bjmsr-453	328	8	building	building	NOUN
bjmsr-453	328	9	of	of	ADP
bjmsr-453	328	10	china	china	PROPN
bjmsr-453	328	11	's	's	PART
bjmsr-453	328	12	social	social	ADJ
bjmsr-453	328	13	credit	credit	NOUN
bjmsr-453	328	14	system	system	NOUN
bjmsr-453	328	15	and	and	CCONJ
bjmsr-453	328	16	suggestions	suggestion	NOUN
bjmsr-453	328	17	,	,	PUNCT
bjmsr-453	328	18	international	international	ADJ
bjmsr-453	328	19	business	business	NOUN
bjmsr-453	328	20	and	and	CCONJ
bjmsr-453	328	21	management,8(2),169	management,8(2),169	PROPN
bjmsr-453	328	22	-	-	PUNCT
bjmsr-453	328	23	173	173	NUM
bjmsr-453	328	24	.	.	PUNCT
bjmsr-453	329	1	dhillon	dhillon	PROPN
bjmsr-453	329	2	,	,	PUNCT
bjmsr-453	329	3	g.	g.	PROPN
bjmsr-453	329	4	,	,	PUNCT
bjmsr-453	329	5	&	&	CCONJ
bjmsr-453	329	6	torkzadeh	torkzadeh	PROPN
bjmsr-453	329	7	,	,	PUNCT
bjmsr-453	329	8	g.	g.	PROPN
bjmsr-453	329	9	(	(	PUNCT
bjmsr-453	329	10	2006	2006	NUM
bjmsr-453	329	11	)	)	PUNCT
bjmsr-453	329	12	.	.	PUNCT
bjmsr-453	330	1	value	value	NOUN
bjmsr-453	330	2	-	-	PUNCT
bjmsr-453	330	3	focused	focus	VERB
bjmsr-453	330	4	assessment	assessment	NOUN
bjmsr-453	330	5	of	of	ADP
bjmsr-453	330	6	information	information	NOUN
bjmsr-453	330	7	system	system	NOUN
bjmsr-453	330	8	security	security	NOUN
bjmsr-453	330	9	in	in	ADP
bjmsr-453	330	10	organizations	organization	NOUN
bjmsr-453	330	11	,	,	PUNCT
bjmsr-453	330	12	information	information	NOUN
bjmsr-453	330	13	systems	system	NOUN
bjmsr-453	330	14	journal,6(3),293	journal,6(3),293	ADV
bjmsr-453	330	15	-	-	PUNCT
bjmsr-453	330	16	314	314	NUM
bjmsr-453	330	17	.	.	PUNCT
bjmsr-453	331	1	durand	durand	PROPN
bjmsr-453	331	2	,	,	PUNCT
bjmsr-453	331	3	d.	d.	PROPN
bjmsr-453	331	4	(	(	PUNCT
bjmsr-453	331	5	1941	1941	NUM
bjmsr-453	331	6	)	)	PUNCT
bjmsr-453	331	7	.	.	PUNCT
bjmsr-453	332	1	appendix	appendix	VERB
bjmsr-453	332	2	b	b	NOUN
bjmsr-453	332	3	:	:	PUNCT
bjmsr-453	332	4	application	application	NOUN
bjmsr-453	332	5	of	of	ADP
bjmsr-453	332	6	the	the	DET
bjmsr-453	332	7	method	method	NOUN
bjmsr-453	332	8	of	of	ADP
bjmsr-453	332	9	discriminant	discriminant	ADJ
bjmsr-453	332	10	functions	function	NOUN
bjmsr-453	332	11	to	to	ADP
bjmsr-453	332	12	the	the	DET
bjmsr-453	332	13	good	good	ADJ
bjmsr-453	332	14	-	-	PUNCT
bjmsr-453	332	15	and	and	CCONJ
bjmsr-453	332	16	bad	bad	ADJ
bjmsr-453	332	17	-	-	PUNCT
bjmsr-453	332	18	loan	loan	NOUN
bjmsr-453	332	19	samples	sample	NOUN
bjmsr-453	332	20	,	,	PUNCT
bjmsr-453	332	21	nber	nber	PROPN
bjmsr-453	332	22	chapters	chapter	NOUN
bjmsr-453	332	23	,	,	PUNCT
bjmsr-453	332	24	in	in	ADP
bjmsr-453	332	25	:	:	PUNCT
bjmsr-453	332	26	risk	risk	NOUN
bjmsr-453	332	27	elements	element	NOUN
bjmsr-453	332	28	in	in	ADP
bjmsr-453	332	29	consumer	consumer	NOUN
bjmsr-453	332	30	instalment	instalment	NOUN
bjmsr-453	332	31	financing	financing	NOUN
bjmsr-453	332	32	,	,	PUNCT
bjmsr-453	332	33	technical	technical	PROPN
bjmsr-453	332	34	edition	edition	NOUN
bjmsr-453	332	35	,	,	PUNCT
bjmsr-453	332	36	125	125	NUM
bjmsr-453	332	37	-	-	SYM
bjmsr-453	332	38	142	142	NUM
bjmsr-453	332	39	,	,	PUNCT
bjmsr-453	332	40	national	national	ADJ
bjmsr-453	332	41	bureau	bureau	NOUN
bjmsr-453	332	42	of	of	ADP
bjmsr-453	332	43	economic	economic	ADJ
bjmsr-453	332	44	research	research	PROPN
bjmsr-453	332	45	,	,	PUNCT
bjmsr-453	332	46	inc	inc	PROPN
bjmsr-453	332	47	.	.	PROPN
bjmsr-453	332	48	day	day	PROPN
bjmsr-453	332	49	,	,	PUNCT
bjmsr-453	332	50	g.s	g.s	PROPN
bjmsr-453	332	51	.	.	PROPN
bjmsr-453	332	52	,	,	PUNCT
bjmsr-453	332	53	shocker	shocker	PROPN
bjmsr-453	332	54	,	,	PUNCT
bjmsr-453	332	55	a.d	a.d	PROPN
bjmsr-453	332	56	.	.	PROPN
bjmsr-453	332	57	,	,	PUNCT
bjmsr-453	332	58	&	&	CCONJ
bjmsr-453	332	59	srivastava	srivastava	PROPN
bjmsr-453	332	60	,	,	PUNCT
bjmsr-453	332	61	r.k	r.k	PROPN
bjmsr-453	332	62	.	.	PROPN
bjmsr-453	332	63	(	(	PUNCT
bjmsr-453	332	64	1978).customer	1978).customer	NUM
bjmsr-453	332	65	-	-	PUNCT
bjmsr-453	332	66	oriented	orient	VERB
bjmsr-453	332	67	approaches	approach	NOUN
bjmsr-453	332	68	to	to	ADP
bjmsr-453	332	69	identifying	identify	VERB
bjmsr-453	332	70	product	product	NOUN
bjmsr-453	332	71	-	-	PUNCT
bjmsr-453	332	72	markets	market	NOUN
bjmsr-453	332	73	,	,	PUNCT
bjmsr-453	332	74	journal	journal	NOUN
bjmsr-453	332	75	of	of	ADP
bjmsr-453	332	76	marketing,43(4),8	marketing,43(4),8	PROPN
bjmsr-453	332	77	-	-	PUNCT
bjmsr-453	332	78	19	19	NUM
bjmsr-453	332	79	.	.	PUNCT
bjmsr-453	333	1	desai	desai	PROPN
bjmsr-453	333	2	,	,	PUNCT
bjmsr-453	333	3	v.s.	v.s.	ADJ
bjmsr-453	333	4	,	,	PUNCT
bjmsr-453	333	5	crook	crook	NOUN
bjmsr-453	333	6	,	,	PUNCT
bjmsr-453	333	7	j.n	j.n	PROPN
bjmsr-453	333	8	.	.	PROPN
bjmsr-453	333	9	,	,	PUNCT
bjmsr-453	333	10	&	&	CCONJ
bjmsr-453	333	11	overstreet	overstreet	PROPN
bjmsr-453	333	12	,	,	PUNCT
bjmsr-453	333	13	g.a	g.a	PROPN
bjmsr-453	333	14	,	,	PUNCT
bjmsr-453	333	15	jr	jr	PROPN
bjmsr-453	333	16	.	.	PROPN
bjmsr-453	333	17	(	(	PUNCT
bjmsr-453	333	18	1996	1996	NUM
bjmsr-453	333	19	)	)	PUNCT
bjmsr-453	333	20	.	.	PUNCT
bjmsr-453	334	1	a	a	DET
bjmsr-453	334	2	comparison	comparison	NOUN
bjmsr-453	334	3	of	of	ADP
bjmsr-453	334	4	neural	neural	ADJ
bjmsr-453	334	5	networks	network	NOUN
bjmsr-453	334	6	and	and	CCONJ
bjmsr-453	334	7	linear	linear	ADJ
bjmsr-453	334	8	scoring	scoring	NOUN
bjmsr-453	334	9	models	model	NOUN
bjmsr-453	334	10	in	in	ADP
bjmsr-453	334	11	the	the	DET
bjmsr-453	334	12	credit	credit	NOUN
bjmsr-453	334	13	union	union	NOUN
bjmsr-453	334	14	environment	environment	NOUN
bjmsr-453	334	15	,	,	PUNCT
bjmsr-453	334	16	european	european	PROPN
bjmsr-453	334	17	journal	journal	PROPN
bjmsr-453	334	18	of	of	ADP
bjmsr-453	334	19	operational	operational	ADJ
bjmsr-453	334	20	research,95(1),24	research,95(1),24	PROPN
bjmsr-453	334	21	-	-	PUNCT
bjmsr-453	334	22	37	37	NUM
bjmsr-453	334	23	.	.	PUNCT
bjmsr-453	335	1	dorronsoro	dorronsoro	PROPN
bjmsr-453	335	2	,	,	PUNCT
bjmsr-453	335	3	j.r	j.r	PROPN
bjmsr-453	335	4	.	.	PROPN
bjmsr-453	335	5	,	,	PUNCT
bjmsr-453	335	6	ginel	ginel	PROPN
bjmsr-453	335	7	,	,	PUNCT
bjmsr-453	335	8	f.	f.	PROPN
bjmsr-453	335	9	,	,	PUNCT
bjmsr-453	335	10	sgnchez	sgnchez	PROPN
bjmsr-453	335	11	,	,	PUNCT
bjmsr-453	335	12	c.	c.	PROPN
bjmsr-453	335	13	,	,	PUNCT
bjmsr-453	335	14	&	&	CCONJ
bjmsr-453	335	15	cruz	cruz	PROPN
bjmsr-453	335	16	,	,	PUNCT
bjmsr-453	335	17	c.s	c.s	PROPN
bjmsr-453	335	18	.	.	PROPN
bjmsr-453	335	19	(	(	PUNCT
bjmsr-453	335	20	1997	1997	NUM
bjmsr-453	335	21	)	)	PUNCT
bjmsr-453	335	22	.	.	PUNCT
bjmsr-453	336	1	neural	neural	ADJ
bjmsr-453	336	2	fraud	fraud	NOUN
bjmsr-453	336	3	detection	detection	NOUN
bjmsr-453	336	4	in	in	ADP
bjmsr-453	336	5	credit	credit	NOUN
bjmsr-453	336	6	card	card	NOUN
bjmsr-453	336	7	operations	operation	NOUN
bjmsr-453	336	8	,	,	PUNCT
bjmsr-453	336	9	ieee	ieee	NOUN
bjmsr-453	336	10	transactions	transaction	NOUN
bjmsr-453	336	11	on	on	ADP
bjmsr-453	336	12	neural	neural	ADJ
bjmsr-453	336	13	networks,8(4),827	networks,8(4),827	PROPN
bjmsr-453	336	14	-	-	PROPN
bjmsr-453	336	15	834	834	NUM
bjmsr-453	336	16	.	.	PUNCT
bjmsr-453	337	1	ennew	ennew	PROPN
bjmsr-453	337	2	,	,	PUNCT
bjmsr-453	337	3	c.t	c.t	PROPN
bjmsr-453	337	4	.	.	PROPN
bjmsr-453	337	5	,	,	PUNCT
bjmsr-453	337	6	&	&	CCONJ
bjmsr-453	337	7	binks	binks	PROPN
bjmsr-453	337	8	,	,	PUNCT
bjmsr-453	337	9	m.r	m.r	PROPN
bjmsr-453	337	10	.	.	PROPN
bjmsr-453	337	11	(	(	PUNCT
bjmsr-453	337	12	1999	1999	NUM
bjmsr-453	337	13	)	)	PUNCT
bjmsr-453	337	14	.	.	PUNCT
bjmsr-453	338	1	impact	impact	NOUN
bjmsr-453	338	2	of	of	ADP
bjmsr-453	338	3	participative	participative	ADJ
bjmsr-453	338	4	service	service	NOUN
bjmsr-453	338	5	relationships	relationship	NOUN
bjmsr-453	338	6	on	on	ADP
bjmsr-453	338	7	quality	quality	NOUN
bjmsr-453	338	8	,	,	PUNCT
bjmsr-453	338	9	satisfaction	satisfaction	NOUN
bjmsr-453	338	10	and	and	CCONJ
bjmsr-453	338	11	retention	retention	NOUN
bjmsr-453	338	12	:	:	PUNCT
bjmsr-453	338	13	an	an	DET
bjmsr-453	338	14	exploratory	exploratory	ADJ
bjmsr-453	338	15	study	study	NOUN
bjmsr-453	338	16	,	,	PUNCT
bjmsr-453	338	17	journal	journal	NOUN
bjmsr-453	338	18	of	of	ADP
bjmsr-453	338	19	business	business	NOUN
bjmsr-453	338	20	research,46(2),121	research,46(2),121	NOUN
bjmsr-453	338	21	-	-	PUNCT
bjmsr-453	338	22	132	132	NUM
bjmsr-453	338	23	.	.	PUNCT
bjmsr-453	339	1	eisenbeis	eisenbeis	PROPN
bjmsr-453	339	2	,	,	PUNCT
bjmsr-453	339	3	r.a	r.a	PROPN
bjmsr-453	339	4	.	.	PROPN
bjmsr-453	339	5	(	(	PUNCT
bjmsr-453	339	6	1977	1977	NUM
bjmsr-453	339	7	)	)	PUNCT
bjmsr-453	339	8	.	.	PUNCT
bjmsr-453	340	1	pitfalls	pitfall	NOUN
bjmsr-453	340	2	in	in	ADP
bjmsr-453	340	3	the	the	DET
bjmsr-453	340	4	application	application	NOUN
bjmsr-453	340	5	of	of	ADP
bjmsr-453	340	6	discriminant	discriminant	ADJ
bjmsr-453	340	7	analysis	analysis	NOUN
bjmsr-453	340	8	in	in	ADP
bjmsr-453	340	9	business	business	NOUN
bjmsr-453	340	10	,	,	PUNCT
bjmsr-453	340	11	finance	finance	NOUN
bjmsr-453	340	12	,	,	PUNCT
bjmsr-453	340	13	and	and	CCONJ
bjmsr-453	340	14	economics	economic	NOUN
bjmsr-453	340	15	,	,	PUNCT
bjmsr-453	340	16	the	the	DET
bjmsr-453	340	17	journal	journal	NOUN
bjmsr-453	340	18	of	of	ADP
bjmsr-453	340	19	finance,32(3),875	finance,32(3),875	NOUN
bjmsr-453	340	20	-	-	SYM
bjmsr-453	340	21	900	900	NUM
bjmsr-453	340	22	.	.	PUNCT
bjmsr-453	341	1	hsieh	hsieh	PROPN
bjmsr-453	341	2	,	,	PUNCT
bjmsr-453	341	3	n.c	n.c	PROPN
bjmsr-453	341	4	.	.	PROPN
bjmsr-453	341	5	,	,	PUNCT
bjmsr-453	341	6	&	&	CCONJ
bjmsr-453	341	7	hung	hung	PROPN
bjmsr-453	341	8	,	,	PUNCT
bjmsr-453	341	9	l.p	l.p	PROPN
bjmsr-453	341	10	.	.	PROPN
bjmsr-453	341	11	(	(	PUNCT
bjmsr-453	341	12	2010	2010	NUM
bjmsr-453	341	13	)	)	PUNCT
bjmsr-453	341	14	.	.	PUNCT
bjmsr-453	342	1	a	a	DET
bjmsr-453	342	2	data	datum	NOUN
bjmsr-453	342	3	driven	drive	VERB
bjmsr-453	342	4	ensemble	ensemble	ADJ
bjmsr-453	342	5	classifier	classifier	NOUN
bjmsr-453	342	6	for	for	ADP
bjmsr-453	342	7	credit	credit	NOUN
bjmsr-453	342	8	scoring	scoring	NOUN
bjmsr-453	342	9	analysis	analysis	NOUN
bjmsr-453	342	10	,	,	PUNCT
bjmsr-453	342	11	expert	expert	NOUN
bjmsr-453	342	12	systems	system	NOUN
bjmsr-453	342	13	with	with	ADP
bjmsr-453	342	14	applications,37(1),534	applications,37(1),534	NOUN
bjmsr-453	342	15	-	-	PUNCT
bjmsr-453	342	16	545	545	NUM
bjmsr-453	342	17	.	.	PUNCT
bjmsr-453	343	1	huang	huang	PROPN
bjmsr-453	343	2	,	,	PUNCT
bjmsr-453	343	3	c.l	c.l	PROPN
bjmsr-453	343	4	.	.	PROPN
bjmsr-453	343	5	,	,	PUNCT
bjmsr-453	343	6	chen	chen	PROPN
bjmsr-453	343	7	,	,	PUNCT
bjmsr-453	343	8	m.c	m.c	PROPN
bjmsr-453	343	9	.	.	PROPN
bjmsr-453	343	10	,	,	PUNCT
bjmsr-453	343	11	&	&	CCONJ
bjmsr-453	343	12	wang	wang	PROPN
bjmsr-453	343	13	,	,	PUNCT
bjmsr-453	343	14	cj	cj	X
bjmsr-453	343	15	.	.	PUNCT
bjmsr-453	343	16	(	(	PUNCT
bjmsr-453	343	17	2007	2007	NUM
bjmsr-453	343	18	)	)	PUNCT
bjmsr-453	343	19	.	.	PUNCT
bjmsr-453	344	1	credit	credit	NOUN
bjmsr-453	344	2	scoring	scoring	NOUN
bjmsr-453	344	3	with	with	ADP
bjmsr-453	344	4	a	a	DET
bjmsr-453	344	5	data	data	NOUN
bjmsr-453	344	6	mining	mining	NOUN
bjmsr-453	344	7	approach	approach	NOUN
bjmsr-453	344	8	based	base	VERB
bjmsr-453	344	9	on	on	ADP
bjmsr-453	344	10	support	support	NOUN
bjmsr-453	344	11	vector	vector	NOUN
bjmsr-453	344	12	machines	machine	NOUN
bjmsr-453	344	13	,	,	PUNCT
bjmsr-453	344	14	expert	expert	NOUN
bjmsr-453	344	15	systems	system	NOUN
bjmsr-453	344	16	with	with	ADP
bjmsr-453	344	17	applications,33(4),847	applications,33(4),847	NOUN
bjmsr-453	344	18	-	-	PUNCT
bjmsr-453	344	19	856	856	NUM
bjmsr-453	344	20	.	.	PUNCT
bjmsr-453	345	1	hoff	hoff	PROPN
bjmsr-453	345	2	,	,	PUNCT
bjmsr-453	345	3	k.	k.	PROPN
bjmsr-453	345	4	,	,	PUNCT
bjmsr-453	345	5	&	&	CCONJ
bjmsr-453	345	6	stiglitz	stiglitz	PROPN
bjmsr-453	345	7	,	,	PUNCT
bjmsr-453	345	8	j.e	j.e	PROPN
bjmsr-453	345	9	.	.	PROPN
bjmsr-453	345	10	(	(	PUNCT
bjmsr-453	345	11	1990	1990	NUM
bjmsr-453	345	12	)	)	PUNCT
bjmsr-453	345	13	.	.	PUNCT
bjmsr-453	346	1	introduction	introduction	NOUN
bjmsr-453	346	2	:	:	PUNCT
bjmsr-453	346	3	imperfect	imperfect	ADJ
bjmsr-453	346	4	information	information	NOUN
bjmsr-453	346	5	and	and	CCONJ
bjmsr-453	346	6	rural	rural	ADJ
bjmsr-453	346	7	credit	credit	NOUN
bjmsr-453	346	8	markets	market	NOUN
bjmsr-453	346	9	:	:	PUNCT
bjmsr-453	346	10	puzzles	puzzle	NOUN
bjmsr-453	346	11	and	and	CCONJ
bjmsr-453	346	12	policy	policy	NOUN
bjmsr-453	346	13	perspectives	perspective	NOUN
bjmsr-453	346	14	,	,	PUNCT
bjmsr-453	346	15	the	the	DET
bjmsr-453	346	16	world	world	PROPN
bjmsr-453	346	17	bank	bank	PROPN
bjmsr-453	346	18	economic	economic	ADJ
bjmsr-453	346	19	review,4(3),235	review,4(3),235	PROPN
bjmsr-453	346	20	-	-	PUNCT
bjmsr-453	346	21	250	250	NUM
bjmsr-453	346	22	.	.	PUNCT
bjmsr-453	347	1	hand	hand	NOUN
bjmsr-453	347	2	,	,	PUNCT
bjmsr-453	347	3	d.j	d.j	PROPN
bjmsr-453	347	4	.	.	PROPN
bjmsr-453	347	5	,	,	PUNCT
bjmsr-453	347	6	&	&	CCONJ
bjmsr-453	347	7	henley	henley	PROPN
bjmsr-453	347	8	,	,	PUNCT
bjmsr-453	347	9	w.e	w.e	PROPN
bjmsr-453	347	10	.	.	PROPN
bjmsr-453	347	11	(	(	PUNCT
bjmsr-453	347	12	1997	1997	NUM
bjmsr-453	347	13	)	)	PUNCT
bjmsr-453	347	14	.	.	PUNCT
bjmsr-453	348	1	statistical	statistical	ADJ
bjmsr-453	348	2	classification	classification	NOUN
bjmsr-453	348	3	methods	method	NOUN
bjmsr-453	348	4	in	in	ADP
bjmsr-453	348	5	consumer	consumer	NOUN
bjmsr-453	348	6	credit	credit	NOUN
bjmsr-453	348	7	scoring	scoring	NOUN
bjmsr-453	348	8	:	:	PUNCT
bjmsr-453	348	9	a	a	DET
bjmsr-453	348	10	review	review	NOUN
bjmsr-453	348	11	,	,	PUNCT
bjmsr-453	348	12	journal	journal	NOUN
bjmsr-453	348	13	of	of	ADP
bjmsr-453	348	14	the	the	DET
bjmsr-453	348	15	royal	royal	ADJ
bjmsr-453	348	16	statistical	statistical	ADJ
bjmsr-453	348	17	society,160(3),523	society,160(3),523	NOUN
bjmsr-453	348	18	-	-	PUNCT
bjmsr-453	348	19	547	547	NUM
bjmsr-453	348	20	.	.	PUNCT
bjmsr-453	349	1	han	han	PROPN
bjmsr-453	349	2	,	,	PUNCT
bjmsr-453	349	3	k.	k.	PROPN
bjmsr-453	349	4	,	,	PUNCT
bjmsr-453	349	5	lee	lee	PROPN
bjmsr-453	349	6	,	,	PUNCT
bjmsr-453	349	7	y.	y.	PROPN
bjmsr-453	349	8	,	,	PUNCT
bjmsr-453	349	9	&	&	CCONJ
bjmsr-453	349	10	park	park	PROPN
bjmsr-453	349	11	,	,	PUNCT
bjmsr-453	349	12	c.	c.	PROPN
bjmsr-453	349	13	(	(	PUNCT
bjmsr-453	349	14	2013	2013	NUM
bjmsr-453	349	15	)	)	PUNCT
bjmsr-453	349	16	.	.	PUNCT
bjmsr-453	350	1	legal	legal	ADJ
bjmsr-453	350	2	frameworks	framework	NOUN
bjmsr-453	350	3	and	and	CCONJ
bjmsr-453	350	4	credit	credit	NOUN
bjmsr-453	350	5	information	information	NOUN
bjmsr-453	350	6	systems	system	NOUN
bjmsr-453	350	7	in	in	ADP
bjmsr-453	350	8	china	china	PROPN
bjmsr-453	350	9	,	,	PUNCT
bjmsr-453	350	10	korea	korea	PROPN
bjmsr-453	350	11	,	,	PUNCT
bjmsr-453	350	12	and	and	CCONJ
bjmsr-453	350	13	s	s	VERB
bjmsr-453	350	14	ingapore	ingapore	NOUN
bjmsr-453	350	15	,	,	PUNCT
bjmsr-453	350	16	asianpacific	asianpacific	ADJ
bjmsr-453	350	17	economic	economic	ADJ
bjmsr-453	350	18	literature,27(1),147	literature,27(1),147	PROPN
bjmsr-453	350	19	-	-	PUNCT
bjmsr-453	350	20	155	155	NUM
bjmsr-453	350	21	.	.	PUNCT
bjmsr-453	351	1	huang	huang	PROPN
bjmsr-453	351	2	,	,	PUNCT
bjmsr-453	351	3	z.	z.	PROPN
bjmsr-453	351	4	,	,	PUNCT
bjmsr-453	351	5	lei	lei	PROPN
bjmsr-453	351	6	,	,	PUNCT
bjmsr-453	351	7	y.	y.	PROPN
bjmsr-453	351	8	,	,	PUNCT
bjmsr-453	351	9	&	&	CCONJ
bjmsr-453	351	10	shen	shen	PROPN
bjmsr-453	351	11	,	,	PUNCT
bjmsr-453	351	12	s.	s.	PROPN
bjmsr-453	351	13	(	(	PUNCT
bjmsr-453	351	14	2016	2016	NUM
bjmsr-453	351	15	)	)	PUNCT
bjmsr-453	351	16	.	.	PUNCT
bjmsr-453	352	1	china	china	PROPN
bjmsr-453	352	2	’s	’s	PART
bjmsr-453	352	3	personal	personal	ADJ
bjmsr-453	352	4	credit	credit	NOUN
bjmsr-453	352	5	reporting	reporting	NOUN
bjmsr-453	352	6	system	system	NOUN
bjmsr-453	352	7	in	in	ADP
bjmsr-453	352	8	the	the	DET
bjmsr-453	352	9	internet	internet	NOUN
bjmsr-453	352	10	finance	finance	NOUN
bjmsr-453	352	11	era	era	NOUN
bjmsr-453	352	12	:	:	PUNCT
bjmsr-453	352	13	challenges	challenge	NOUN
bjmsr-453	352	14	and	and	CCONJ
bjmsr-453	352	15	opportunities	opportunity	NOUN
bjmsr-453	352	16	,	,	PUNCT
bjmsr-453	352	17	china	china	PROPN
bjmsr-453	352	18	economic	economic	PROPN
bjmsr-453	352	19	journal,9(3),288	journal,9(3),288	PROPN
bjmsr-453	352	20	-	-	PUNCT
bjmsr-453	352	21	303	303	NUM
bjmsr-453	352	22	.	.	PUNCT
bjmsr-453	353	1	hu	hu	PROPN
bjmsr-453	353	2	,	,	PUNCT
bjmsr-453	353	3	y.	y.	PROPN
bjmsr-453	353	4	,	,	PUNCT
bjmsr-453	353	5	&	&	CCONJ
bjmsr-453	353	6	ge	ge	PROPN
bjmsr-453	353	7	,	,	PUNCT
bjmsr-453	353	8	z.	z.	PROPN
bjmsr-453	353	9	(	(	PUNCT
bjmsr-453	353	10	2018	2018	NUM
bjmsr-453	353	11	)	)	PUNCT
bjmsr-453	353	12	.	.	PUNCT
bjmsr-453	354	1	the	the	DET
bjmsr-453	354	2	development	development	NOUN
bjmsr-453	354	3	dilemma	dilemma	NOUN
bjmsr-453	354	4	and	and	CCONJ
bjmsr-453	354	5	countermeasures	countermeasure	NOUN
bjmsr-453	354	6	of	of	ADP
bjmsr-453	354	7	china	china	PROPN
bjmsr-453	354	8	's	's	PART
bjmsr-453	354	9	personal	personal	ADJ
bjmsr-453	354	10	credit	credit	NOUN
bjmsr-453	354	11	industry	industry	NOUN
bjmsr-453	354	12	in	in	ADP
bjmsr-453	354	13	the	the	DET
bjmsr-453	354	14	era	era	NOUN
bjmsr-453	354	15	of	of	ADP
bjmsr-453	354	16	large	large	ADJ
bjmsr-453	354	17	data	datum	NOUN
bjmsr-453	354	18	,	,	PUNCT
bjmsr-453	354	19	atci	atci	NOUN
bjmsr-453	354	20	2018	2018	NUM
bjmsr-453	354	21	:	:	PUNCT
bjmsr-453	354	22	international	international	ADJ
bjmsr-453	354	23	conference	conference	NOUN
bjmsr-453	354	24	on	on	ADP
bjmsr-453	354	25	applications	application	NOUN
bjmsr-453	354	26	and	and	CCONJ
bjmsr-453	354	27	techniques	technique	NOUN
bjmsr-453	354	28	in	in	ADP
bjmsr-453	354	29	cyber	cyber	ADJ
bjmsr-453	354	30	security	security	NOUN
bjmsr-453	354	31	and	and	CCONJ
bjmsr-453	354	32	intelligence,1023	intelligence,1023	NOUN
bjmsr-453	354	33	-	-	NOUN
bjmsr-453	354	34	1030	1030	NUM
bjmsr-453	354	35	.	.	PUNCT
bjmsr-453	355	1	kostka	kostka	PROPN
bjmsr-453	355	2	,	,	PUNCT
bjmsr-453	355	3	g.	g.	PROPN
bjmsr-453	355	4	(	(	PUNCT
bjmsr-453	355	5	2019	2019	NUM
bjmsr-453	355	6	)	)	PUNCT
bjmsr-453	355	7	.	.	PUNCT
bjmsr-453	356	1	china	china	PROPN
bjmsr-453	356	2	's	's	PART
bjmsr-453	356	3	social	social	ADJ
bjmsr-453	356	4	credit	credit	NOUN
bjmsr-453	356	5	systems	system	NOUN
bjmsr-453	356	6	and	and	CCONJ
bjmsr-453	356	7	public	public	ADJ
bjmsr-453	356	8	opinion	opinion	NOUN
bjmsr-453	356	9	:	:	PUNCT
bjmsr-453	356	10	explaining	explain	VERB
bjmsr-453	356	11	high	high	ADJ
bjmsr-453	356	12	levels	level	NOUN
bjmsr-453	356	13	of	of	ADP
bjmsr-453	356	14	approval	approval	NOUN
bjmsr-453	356	15	,	,	PUNCT
bjmsr-453	356	16	new	new	ADJ
bjmsr-453	356	17	media	medium	NOUN
bjmsr-453	356	18	&	&	CCONJ
bjmsr-453	356	19	society,21(7),1565	society,21(7),1565	NOUN
bjmsr-453	356	20	-	-	SYM
bjmsr-453	356	21	1593	1593	NUM
bjmsr-453	356	22	.	.	PUNCT
bjmsr-453	357	1	lin	lin	PROPN
bjmsr-453	357	2	,	,	PUNCT
bjmsr-453	357	3	z.	z.	PROPN
bjmsr-453	357	4	,	,	PUNCT
bjmsr-453	357	5	whinston	whinston	PROPN
bjmsr-453	357	6	,	,	PUNCT
bjmsr-453	357	7	a.b	a.b	PROPN
bjmsr-453	357	8	.	.	PROPN
bjmsr-453	357	9	,	,	PUNCT
bjmsr-453	357	10	&	&	CCONJ
bjmsr-453	357	11	fan	fan	PROPN
bjmsr-453	357	12	,	,	PUNCT
bjmsr-453	357	13	s.	s.	PROPN
bjmsr-453	357	14	(	(	PUNCT
bjmsr-453	357	15	2015	2015	NUM
bjmsr-453	357	16	)	)	PUNCT
bjmsr-453	357	17	.	.	PUNCT
bjmsr-453	358	1	harnessing	harness	VERB
bjmsr-453	358	2	internet	internet	NOUN
bjmsr-453	358	3	finance	finance	NOUN
bjmsr-453	358	4	with	with	ADP
bjmsr-453	358	5	innovative	innovative	ADJ
bjmsr-453	358	6	cyber	cyber	NOUN
bjmsr-453	358	7	credit	credit	NOUN
bjmsr-453	358	8	management	management	NOUN
bjmsr-453	358	9	,	,	PUNCT
bjmsr-453	358	10	financial	financial	ADJ
bjmsr-453	358	11	innovation,5,doi:10.1186	innovation,5,doi:10.1186	NOUN
bjmsr-453	358	12	/	/	SYM
bjmsr-453	358	13	s40854	s40854	PROPN
bjmsr-453	358	14	-	-	PUNCT
bjmsr-453	358	15	015	015	NUM
bjmsr-453	358	16	-	-	PUNCT
bjmsr-453	358	17	0004	0004	NUM
bjmsr-453	358	18	-	-	SYM
bjmsr-453	358	19	7	7	NUM
bjmsr-453	358	20	.	.	PUNCT
bjmsr-453	358	21	lachenbruch	lachenbruch	PROPN
bjmsr-453	358	22	,	,	PUNCT
bjmsr-453	358	23	p.a	p.a	PROPN
bjmsr-453	358	24	.	.	PROPN
bjmsr-453	358	25	,	,	PUNCT
bjmsr-453	358	26	&	&	CCONJ
bjmsr-453	358	27	goldstein	goldstein	PROPN
bjmsr-453	358	28	,	,	PUNCT
bjmsr-453	358	29	m.	m.	NOUN
bjmsr-453	358	30	(	(	PUNCT
bjmsr-453	358	31	1979	1979	NUM
bjmsr-453	358	32	)	)	PUNCT
bjmsr-453	358	33	.	.	PUNCT
bjmsr-453	359	1	discriminant	discriminant	ADJ
bjmsr-453	359	2	analysis	analysis	NOUN
bjmsr-453	359	3	,	,	PUNCT
bjmsr-453	359	4	biometrics,35(1),69	biometrics,35(1),69	NOUN
bjmsr-453	359	5	-	-	SYM
bjmsr-453	359	6	85	85	NUM
bjmsr-453	359	7	.	.	PUNCT
bjmsr-453	360	1	li	li	PROPN
bjmsr-453	360	2	,	,	PUNCT
bjmsr-453	360	3	m.	m.	NOUN
bjmsr-453	360	4	(	(	PUNCT
bjmsr-453	360	5	2017	2017	NUM
bjmsr-453	360	6	)	)	PUNCT
bjmsr-453	360	7	.	.	PUNCT
bjmsr-453	361	1	comparative	comparative	ADJ
bjmsr-453	361	2	data	datum	NOUN
bjmsr-453	361	3	mining	mining	NOUN
bjmsr-453	361	4	analysis	analysis	NOUN
bjmsr-453	361	5	of	of	ADP
bjmsr-453	361	6	personal	personal	ADJ
bjmsr-453	361	7	credit	credit	NOUN
bjmsr-453	361	8	scoring	scoring	NOUN
bjmsr-453	361	9	models	model	NOUN
bjmsr-453	361	10	,	,	PUNCT
bjmsr-453	361	11	times	time	NOUN
bjmsr-453	361	12	finance,23(6),295	finance,23(6),295	X
bjmsr-453	361	13	+	+	PROPN
bjmsr-453	361	14	298	298	NUM
bjmsr-453	361	15	.	.	PUNCT
bjmsr-453	361	16	mao	mao	PROPN
bjmsr-453	361	17	,	,	PUNCT
bjmsr-453	361	18	q.	q.	PROPN
bjmsr-453	361	19	,	,	PUNCT
bjmsr-453	361	20	hu	hu	PROPN
bjmsr-453	361	21	,	,	PUNCT
bjmsr-453	361	22	f.	f.	PROPN
bjmsr-453	361	23	,	,	PUNCT
bjmsr-453	361	24	&	&	CCONJ
bjmsr-453	361	25	hao	hao	PROPN
bjmsr-453	361	26	,	,	PUNCT
bjmsr-453	361	27	q.	q.	PROPN
bjmsr-453	361	28	(	(	PUNCT
bjmsr-453	361	29	2018	2018	NUM
bjmsr-453	361	30	)	)	PUNCT
bjmsr-453	361	31	.	.	PUNCT
bjmsr-453	362	1	deep	deep	ADJ
bjmsr-453	362	2	learning	learning	NOUN
bjmsr-453	362	3	for	for	ADP
bjmsr-453	362	4	intelligent	intelligent	ADJ
bjmsr-453	362	5	wireless	wireless	ADJ
bjmsr-453	362	6	networks	network	NOUN
bjmsr-453	362	7	:	:	PUNCT
bjmsr-453	362	8	a	a	DET
bjmsr-453	362	9	comprehensive	comprehensive	ADJ
bjmsr-453	362	10	survey	survey	NOUN
bjmsr-453	362	11	,	,	PUNCT
bjmsr-453	362	12	ieee	ieee	NOUN
bjmsr-453	362	13	communications	communication	NOUN
bjmsr-453	362	14	surveys	survey	NOUN
bjmsr-453	362	15	&	&	CCONJ
bjmsr-453	362	16	tutorials,20(4),2595	tutorials,20(4),2595	PROPN
bjmsr-453	362	17	-	-	PUNCT
bjmsr-453	362	18	2621	2621	NUM
bjmsr-453	362	19	.	.	PUNCT
bjmsr-453	363	1	nwana	nwana	PROPN
bjmsr-453	363	2	,	,	PUNCT
bjmsr-453	363	3	h.s	h.s	PROPN
bjmsr-453	363	4	.	.	PROPN
bjmsr-453	363	5	(	(	PUNCT
bjmsr-453	363	6	1996	1996	NUM
bjmsr-453	363	7	)	)	PUNCT
bjmsr-453	363	8	.	.	PUNCT
bjmsr-453	364	1	software	software	NOUN
bjmsr-453	364	2	agents	agent	NOUN
bjmsr-453	364	3	:	:	PUNCT
bjmsr-453	364	4	an	an	DET
bjmsr-453	364	5	overview	overview	NOUN
bjmsr-453	364	6	,	,	PUNCT
bjmsr-453	364	7	the	the	DET
bjmsr-453	364	8	knowledge	knowledge	NOUN
bjmsr-453	364	9	engineering	engineering	PROPN
bjmsr-453	364	10	review,11(3),205	review,11(3),205	NOUN
bjmsr-453	364	11	-	-	SYM
bjmsr-453	364	12	244	244	NUM
bjmsr-453	364	13	.	.	PUNCT
bjmsr-453	365	1	ripley	ripley	PROPN
bjmsr-453	365	2	,	,	PUNCT
bjmsr-453	365	3	b.d	b.d	PROPN
bjmsr-453	365	4	.	.	PROPN
bjmsr-453	365	5	(	(	PUNCT
bjmsr-453	365	6	1994	1994	NUM
bjmsr-453	365	7	)	)	PUNCT
bjmsr-453	365	8	.	.	PUNCT
bjmsr-453	366	1	neural	neural	ADJ
bjmsr-453	366	2	networks	network	NOUN
bjmsr-453	366	3	and	and	CCONJ
bjmsr-453	366	4	related	related	ADJ
bjmsr-453	366	5	methods	method	NOUN
bjmsr-453	366	6	for	for	ADP
bjmsr-453	366	7	classification	classification	NOUN
bjmsr-453	366	8	,	,	PUNCT
bjmsr-453	366	9	journal	journal	NOUN
bjmsr-453	366	10	of	of	ADP
bjmsr-453	366	11	the	the	DET
bjmsr-453	366	12	royal	royal	ADJ
bjmsr-453	366	13	statistical	statistical	ADJ
bjmsr-453	366	14	society	society	NOUN
bjmsr-453	366	15	:	:	PUNCT
bjmsr-453	366	16	series	series	PROPN
bjmsr-453	366	17	b(methodological),56(3),409	b(methodological),56(3),409	PROPN
bjmsr-453	366	18	-	-	PUNCT
bjmsr-453	366	19	437	437	NUM
bjmsr-453	366	20	.	.	PUNCT
bjmsr-453	367	1	stiglitz	stiglitz	PROPN
bjmsr-453	367	2	,	,	PUNCT
bjmsr-453	367	3	j.e	j.e	PROPN
bjmsr-453	367	4	.	.	PROPN
bjmsr-453	367	5	(	(	PUNCT
bjmsr-453	367	6	1993	1993	NUM
bjmsr-453	367	7	)	)	PUNCT
bjmsr-453	367	8	.	.	PUNCT
bjmsr-453	368	1	the	the	DET
bjmsr-453	368	2	role	role	NOUN
bjmsr-453	368	3	of	of	ADP
bjmsr-453	368	4	the	the	DET
bjmsr-453	368	5	state	state	NOUN
bjmsr-453	368	6	in	in	ADP
bjmsr-453	368	7	financial	financial	ADJ
bjmsr-453	368	8	markets	market	NOUN
bjmsr-453	368	9	,	,	PUNCT
bjmsr-453	368	10	the	the	DET
bjmsr-453	368	11	world	world	PROPN
bjmsr-453	368	12	bank	bank	PROPN
bjmsr-453	368	13	economic	economic	PROPN
bjmsr-453	368	14	review,7(1),19	review,7(1),19	PROPN
bjmsr-453	368	15	-	-	PUNCT
bjmsr-453	368	16	52	52	NUM
bjmsr-453	368	17	.	.	PUNCT
bjmsr-453	369	1	sachs	sachs	PROPN
bjmsr-453	369	2	,	,	PUNCT
bjmsr-453	369	3	t.	t.	PROPN
bjmsr-453	369	4	,	,	PUNCT
bjmsr-453	369	5	tiong	tiong	PROPN
bjmsr-453	369	6	,	,	PUNCT
bjmsr-453	369	7	r.	r.	PROPN
bjmsr-453	369	8	,	,	PUNCT
bjmsr-453	369	9	&	&	CCONJ
bjmsr-453	369	10	wang	wang	PROPN
bjmsr-453	369	11	,	,	PUNCT
bjmsr-453	369	12	s.	s.	PROPN
bjmsr-453	369	13	qian	qian	PROPN
bjmsr-453	369	14	.	.	PUNCT
bjmsr-453	370	1	(	(	PUNCT
bjmsr-453	370	2	2007	2007	NUM
bjmsr-453	370	3	)	)	PUNCT
bjmsr-453	370	4	.	.	PUNCT
bjmsr-453	371	1	analysis	analysis	NOUN
bjmsr-453	371	2	of	of	ADP
bjmsr-453	371	3	political	political	ADJ
bjmsr-453	371	4	risks	risk	NOUN
bjmsr-453	371	5	and	and	CCONJ
bjmsr-453	371	6	opportunities	opportunity	NOUN
bjmsr-453	371	7	in	in	ADP
bjmsr-453	371	8	public	public	ADJ
bjmsr-453	371	9	private	private	ADJ
bjmsr-453	371	10	partnerships	partnership	NOUN
bjmsr-453	371	11	(	(	PUNCT
bjmsr-453	371	12	ppp	ppp	NOUN
bjmsr-453	371	13	)	)	PUNCT
bjmsr-453	371	14	in	in	ADP
bjmsr-453	371	15	china	china	PROPN
bjmsr-453	371	16	and	and	CCONJ
bjmsr-453	371	17	selected	select	VERB
bjmsr-453	371	18	asian	asian	ADJ
bjmsr-453	371	19	countries	country	NOUN
bjmsr-453	371	20	:	:	PUNCT
bjmsr-453	371	21	survey	survey	NOUN
bjmsr-453	371	22	results	result	NOUN
bjmsr-453	371	23	,	,	PUNCT
bjmsr-453	371	24	chinese	chinese	ADJ
bjmsr-453	371	25	management	management	NOUN
bjmsr-453	371	26	studies,1(2),126	studies,1(2),126	NOUN
bjmsr-453	371	27	-	-	PUNCT
bjmsr-453	371	28	148	148	NUM
bjmsr-453	371	29	.	.	PUNCT
bjmsr-453	372	1	shi	shi	PROPN
bjmsr-453	372	2	,	,	PUNCT
bjmsr-453	372	3	x.	x.	PROPN
bjmsr-453	372	4	,	,	PUNCT
bjmsr-453	372	5	&	&	CCONJ
bjmsr-453	372	6	he	he	PRON
bjmsr-453	372	7	,	,	PUNCT
bjmsr-453	372	8	x.	x.	NOUN
bjmsr-453	372	9	(	(	PUNCT
bjmsr-453	372	10	2015	2015	NUM
bjmsr-453	372	11	)	)	PUNCT
bjmsr-453	372	12	.	.	PUNCT
bjmsr-453	373	1	the	the	DET
bjmsr-453	373	2	study	study	NOUN
bjmsr-453	373	3	of	of	ADP
bjmsr-453	373	4	skew	skew	ADJ
bjmsr-453	373	5	-	-	PUNCT
bjmsr-453	373	6	logistic	logistic	ADJ
bjmsr-453	373	7	model	model	NOUN
bjmsr-453	373	8	and	and	CCONJ
bjmsr-453	373	9	its	its	PRON
bjmsr-453	373	10	application	application	NOUN
bjmsr-453	373	11	in	in	ADP
bjmsr-453	373	12	credit	credit	NOUN
bjmsr-453	373	13	scoring	scoring	NOUN
bjmsr-453	373	14	,	,	PUNCT
bjmsr-453	373	15	journal	journal	NOUN
bjmsr-453	373	16	of	of	ADP
bjmsr-453	373	17	applied	apply	VERB
bjmsr-453	373	18	statistics	statistic	NOUN
bjmsr-453	373	19	and	and	CCONJ
bjmsr-453	373	20	management,34(6),1048	management,34(6),1048	NOUN
bjmsr-453	373	21	-	-	SYM
bjmsr-453	373	22	1056	1056	NUM
bjmsr-453	373	23	.	.	PUNCT
bjmsr-453	374	1	sohn	sohn	PROPN
bjmsr-453	374	2	,	,	PUNCT
bjmsr-453	374	3	s.y	s.y	PROPN
bjmsr-453	374	4	.	.	PROPN
bjmsr-453	374	5	,	,	PUNCT
bjmsr-453	374	6	kim	kim	PROPN
bjmsr-453	374	7	,	,	PUNCT
bjmsr-453	374	8	d.h	d.h	PROPN
bjmsr-453	374	9	.	.	PROPN
bjmsr-453	374	10	,	,	PUNCT
bjmsr-453	374	11	&	&	CCONJ
bjmsr-453	374	12	yoon	yoon	PROPN
bjmsr-453	374	13	,	,	PUNCT
bjmsr-453	374	14	j.h	j.h	PROPN
bjmsr-453	374	15	.	.	PROPN
bjmsr-453	374	16	(	(	PUNCT
bjmsr-453	374	17	2016	2016	NUM
bjmsr-453	374	18	)	)	PUNCT
bjmsr-453	374	19	.	.	PUNCT
bjmsr-453	375	1	technology	technology	NOUN
bjmsr-453	375	2	credit	credit	NOUN
bjmsr-453	375	3	scoring	scoring	NOUN
bjmsr-453	375	4	model	model	NOUN
bjmsr-453	375	5	with	with	ADP
bjmsr-453	375	6	fuzzy	fuzzy	ADJ
bjmsr-453	375	7	logistic	logistic	ADJ
bjmsr-453	375	8	regression	regression	NOUN
bjmsr-453	375	9	,	,	PUNCT
bjmsr-453	375	10	applied	apply	VERB
bjmsr-453	375	11	soft	soft	ADJ
bjmsr-453	375	12	computing,43,150	computing,43,150	PROPN
bjmsr-453	375	13	-	-	PUNCT
bjmsr-453	375	14	158	158	NUM
bjmsr-453	375	15	.	.	PUNCT
bjmsr-453	376	1	copyright	copyright	NOUN
bjmsr-453	376	2	©	©	PROPN
bjmsr-453	376	3	cc	cc	PROPN
bjmsr-453	376	4	-	-	PUNCT
bjmsr-453	376	5	by	by	ADP
bjmsr-453	376	6	-	-	PUNCT
bjmsr-453	376	7	nc	nc	PROPN
bjmsr-453	376	8	2020	2020	NUM
bjmsr-453	376	9	,	,	PUNCT
bjmsr-453	376	10	cribfb	cribfb	PROPN
bjmsr-453	376	11	|bjmsr	|bjmsr	PROPN
bjmsr-453	376	12	www.cribfb.com/journal/index.php/bjmsr	www.cribfb.com/journal/index.php/bjmsr	X
bjmsr-453	377	1	bangladesh	bangladesh	PROPN
bjmsr-453	377	2	journal	journal	PROPN
bjmsr-453	377	3	of	of	ADP
bjmsr-453	377	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-453	377	5	scientific	scientific	ADJ
bjmsr-453	377	6	research	research	NOUN
bjmsr-453	377	7	vol	vol	NOUN
bjmsr-453	377	8	.	.	PROPN
bjmsr-453	378	1	2	2	NUM
bjmsr-453	378	2	,	,	PUNCT
bjmsr-453	378	3	no	no	INTJ
bjmsr-453	378	4	.	.	NOUN
bjmsr-453	378	5	1	1	NUM
bjmsr-453	378	6	;	;	PUNCT
bjmsr-453	378	7	2020	2020	NUM
bjmsr-453	378	8	22	22	NUM
bjmsr-453	378	9	su	su	PROPN
bjmsr-453	378	10	,	,	PUNCT
bjmsr-453	378	11	h.	h.	PROPN
bjmsr-453	378	12	(	(	PUNCT
bjmsr-453	378	13	2018	2018	NUM
bjmsr-453	378	14	)	)	PUNCT
bjmsr-453	378	15	.	.	PUNCT
bjmsr-453	379	1	the	the	DET
bjmsr-453	379	2	research	research	NOUN
bjmsr-453	379	3	of	of	ADP
bjmsr-453	379	4	personal	personal	ADJ
bjmsr-453	379	5	credit	credit	NOUN
bjmsr-453	379	6	risk	risk	NOUN
bjmsr-453	379	7	assessment	assessment	NOUN
bjmsr-453	379	8	based	base	VERB
bjmsr-453	379	9	on	on	ADP
bjmsr-453	379	10	random	random	ADJ
bjmsr-453	379	11	forest	forest	NOUN
bjmsr-453	379	12	model(master	model(master	PROPN
bjmsr-453	379	13	’s	’s	PART
bjmsr-453	379	14	thesis	thesis	NOUN
bjmsr-453	379	15	,	,	PUNCT
bjmsr-453	379	16	hunan	hunan	PROPN
bjmsr-453	379	17	university	university	PROPN
bjmsr-453	379	18	,	,	PUNCT
bjmsr-453	379	19	changsha	changsha	PROPN
bjmsr-453	379	20	,	,	PUNCT
bjmsr-453	379	21	china	china	PROPN
bjmsr-453	379	22	)	)	PUNCT
bjmsr-453	379	23	.	.	PUNCT
bjmsr-453	380	1	retrieved	retrieve	VERB
bjmsr-453	380	2	from	from	ADP
bjmsr-453	380	3	http://www.hnu.edu.cn/.	http://www.hnu.edu.cn/.	PROPN
bjmsr-453	380	4	shi	shi	PROPN
bjmsr-453	380	5	,	,	PUNCT
bjmsr-453	380	6	q.	q.	PROPN
bjmsr-453	380	7	(	(	PUNCT
bjmsr-453	380	8	2005	2005	NUM
bjmsr-453	380	9	)	)	PUNCT
bjmsr-453	380	10	.	.	PUNCT
bjmsr-453	381	1	research	research	NOUN
bjmsr-453	381	2	on	on	ADP
bjmsr-453	381	3	a	a	DET
bjmsr-453	381	4	mixed	mixed	ADJ
bjmsr-453	381	5	two	two	NUM
bjmsr-453	381	6	-	-	PUNCT
bjmsr-453	381	7	phase	phase	NOUN
bjmsr-453	381	8	personal	personal	ADJ
bjmsr-453	381	9	credit	credit	NOUN
bjmsr-453	381	10	scoring	scoring	NOUN
bjmsr-453	381	11	model	model	NOUN
bjmsr-453	381	12	based	base	VERB
bjmsr-453	381	13	on	on	ADP
bjmsr-453	381	14	neural	neural	ADJ
bjmsr-453	381	15	network	network	NOUN
bjmsr-453	381	16	-	-	PUNCT
bjmsr-453	381	17	logistic	logistic	NOUN
bjmsr-453	381	18	regression	regression	NOUN
bjmsr-453	381	19	,	,	PUNCT
bjmsr-453	381	20	statistical	statistical	ADJ
bjmsr-453	381	21	research,19(5),45	research,19(5),45	NOUN
bjmsr-453	381	22	-	-	PUNCT
bjmsr-453	381	23	49,doi：10.19343	49,doi：10.19343	NOUN
bjmsr-453	381	24	/	/	SYM
bjmsr-453	381	25	j.cnki.11	j.cnki.11	PROPN
bjmsr-453	381	26	-	-	PUNCT
bjmsr-453	381	27	1302	1302	NUM
bjmsr-453	381	28	/	/	SYM
bjmsr-453	381	29	c.2005.05.011	c.2005.05.011	NOUN
bjmsr-453	381	30	.	.	PUNCT
bjmsr-453	382	1	thomas	thomas	PROPN
bjmsr-453	382	2	,	,	PUNCT
bjmsr-453	382	3	l.c	l.c	PROPN
bjmsr-453	382	4	.	.	PROPN
bjmsr-453	382	5	(	(	PUNCT
bjmsr-453	382	6	2000	2000	NUM
bjmsr-453	382	7	)	)	PUNCT
bjmsr-453	382	8	.	.	PUNCT
bjmsr-453	383	1	a	a	DET
bjmsr-453	383	2	survey	survey	NOUN
bjmsr-453	383	3	of	of	ADP
bjmsr-453	383	4	credit	credit	NOUN
bjmsr-453	383	5	and	and	CCONJ
bjmsr-453	383	6	behavioural	behavioural	ADJ
bjmsr-453	383	7	scoring	scoring	NOUN
bjmsr-453	383	8	:	:	PUNCT
bjmsr-453	383	9	forecasting	forecast	VERB
bjmsr-453	383	10	financial	financial	ADJ
bjmsr-453	383	11	risk	risk	NOUN
bjmsr-453	383	12	of	of	ADP
bjmsr-453	383	13	lending	lending	NOUN
bjmsr-453	383	14	to	to	ADP
bjmsr-453	383	15	consumers	consumer	NOUN
bjmsr-453	383	16	,	,	PUNCT
bjmsr-453	383	17	international	international	ADJ
bjmsr-453	383	18	journal	journal	NOUN
bjmsr-453	383	19	of	of	ADP
bjmsr-453	383	20	forecasting,16(2),149	forecasting,16(2),149	X
bjmsr-453	383	21	-	-	SYM
bjmsr-453	383	22	172	172	NUM
bjmsr-453	383	23	.	.	PUNCT
bjmsr-453	384	1	west	west	PROPN
bjmsr-453	384	2	,	,	PUNCT
bjmsr-453	384	3	d.	d.	PROPN
bjmsr-453	384	4	(	(	PUNCT
bjmsr-453	384	5	2000	2000	NUM
bjmsr-453	384	6	)	)	PUNCT
bjmsr-453	384	7	.	.	PUNCT
bjmsr-453	385	1	neural	neural	ADJ
bjmsr-453	385	2	network	network	NOUN
bjmsr-453	385	3	credit	credit	NOUN
bjmsr-453	385	4	scoring	scoring	NOUN
bjmsr-453	385	5	models	model	NOUN
bjmsr-453	385	6	,	,	PUNCT
bjmsr-453	385	7	computers	computer	NOUN
bjmsr-453	385	8	&	&	CCONJ
bjmsr-453	385	9	operations	operations	PROPN
bjmsr-453	385	10	research,27(11	research,27(11	PROPN
bjmsr-453	385	11	-	-	PUNCT
bjmsr-453	385	12	12),1131	12),1131	PROPN
bjmsr-453	385	13	-	-	PUNCT
bjmsr-453	385	14	1152	1152	NUM
bjmsr-453	385	15	.	.	PUNCT
bjmsr-453	386	1	wiginton	wiginton	NOUN
bjmsr-453	386	2	,	,	PUNCT
bjmsr-453	386	3	j.c	j.c	PROPN
bjmsr-453	386	4	.	.	PROPN
bjmsr-453	386	5	(	(	PUNCT
bjmsr-453	386	6	1980	1980	NUM
bjmsr-453	386	7	)	)	PUNCT
bjmsr-453	386	8	.	.	PUNCT
bjmsr-453	387	1	a	a	DET
bjmsr-453	387	2	note	note	NOUN
bjmsr-453	387	3	on	on	ADP
bjmsr-453	387	4	the	the	DET
bjmsr-453	387	5	comparison	comparison	NOUN
bjmsr-453	387	6	of	of	ADP
bjmsr-453	387	7	logit	logit	PROPN
bjmsr-453	387	8	and	and	CCONJ
bjmsr-453	387	9	discriminant	discriminant	ADJ
bjmsr-453	387	10	models	model	NOUN
bjmsr-453	387	11	of	of	ADP
bjmsr-453	387	12	consumer	consumer	NOUN
bjmsr-453	387	13	credit	credit	NOUN
bjmsr-453	387	14	behavior	behavior	NOUN
bjmsr-453	387	15	,	,	PUNCT
bjmsr-453	387	16	journal	journal	NOUN
bjmsr-453	387	17	of	of	ADP
bjmsr-453	387	18	financial	financial	ADJ
bjmsr-453	387	19	and	and	CCONJ
bjmsr-453	387	20	quantitative	quantitative	ADJ
bjmsr-453	387	21	analysis,15(3),757	analysis,15(3),757	NOUN
bjmsr-453	387	22	-	-	PUNCT
bjmsr-453	387	23	770	770	NUM
bjmsr-453	387	24	.	.	PUNCT
bjmsr-453	388	1	wu	wu	PROPN
bjmsr-453	388	2	,	,	PUNCT
bjmsr-453	388	3	w.	w.	PROPN
bjmsr-453	388	4	(	(	PUNCT
bjmsr-453	388	5	2008	2008	NUM
bjmsr-453	388	6	)	)	PUNCT
bjmsr-453	388	7	.	.	PUNCT
bjmsr-453	389	1	dimensions	dimension	NOUN
bjmsr-453	389	2	of	of	ADP
bjmsr-453	389	3	social	social	ADJ
bjmsr-453	389	4	capital	capital	NOUN
bjmsr-453	389	5	and	and	CCONJ
bjmsr-453	389	6	firm	firm	ADJ
bjmsr-453	389	7	competitiveness	competitiveness	NOUN
bjmsr-453	389	8	improvement	improvement	NOUN
bjmsr-453	389	9	:	:	PUNCT
bjmsr-453	389	10	the	the	DET
bjmsr-453	389	11	mediating	mediate	VERB
bjmsr-453	389	12	role	role	NOUN
bjmsr-453	389	13	of	of	ADP
bjmsr-453	389	14	information	information	NOUN
bjmsr-453	389	15	sharing	sharing	NOUN
bjmsr-453	389	16	,	,	PUNCT
bjmsr-453	389	17	journal	journal	NOUN
bjmsr-453	389	18	of	of	ADP
bjmsr-453	389	19	management	management	NOUN
bjmsr-453	389	20	studies,45(1),122	studies,45(1),122	X
bjmsr-453	389	21	-	-	PUNCT
bjmsr-453	389	22	146	146	NUM
bjmsr-453	389	23	.	.	PUNCT
bjmsr-453	390	1	wind	wind	NOUN
bjmsr-453	390	2	,	,	PUNCT
bjmsr-453	390	3	y.	y.	PROPN
bjmsr-453	390	4	(	(	PUNCT
bjmsr-453	390	5	1978	1978	NUM
bjmsr-453	390	6	)	)	PUNCT
bjmsr-453	390	7	.	.	PUNCT
bjmsr-453	391	1	issues	issue	NOUN
bjmsr-453	391	2	and	and	CCONJ
bjmsr-453	391	3	advances	advance	NOUN
bjmsr-453	391	4	in	in	ADP
bjmsr-453	391	5	segmentation	segmentation	NOUN
bjmsr-453	391	6	research	research	NOUN
bjmsr-453	391	7	,	,	PUNCT
bjmsr-453	391	8	journal	journal	NOUN
bjmsr-453	391	9	of	of	ADP
bjmsr-453	391	10	marketing	marketing	NOUN
bjmsr-453	391	11	research,15(3),317	research,15(3),317	NOUN
bjmsr-453	391	12	-	-	PUNCT
bjmsr-453	391	13	337	337	NUM
bjmsr-453	391	14	.	.	PUNCT
bjmsr-453	392	1	xia	xia	PROPN
bjmsr-453	392	2	,	,	PUNCT
bjmsr-453	392	3	y.	y.	PROPN
bjmsr-453	392	4	,	,	PUNCT
bjmsr-453	392	5	liu	liu	PROPN
bjmsr-453	392	6	,	,	PUNCT
bjmsr-453	392	7	c.	c.	PROPN
bjmsr-453	392	8	,	,	PUNCT
bjmsr-453	392	9	da	da	PROPN
bjmsr-453	392	10	,	,	PUNCT
bjmsr-453	392	11	b.	b.	PROPN
bjmsr-453	392	12	,	,	PUNCT
bjmsr-453	392	13	&	&	CCONJ
bjmsr-453	392	14	xie	xie	PROPN
bjmsr-453	392	15	,	,	PUNCT
bjmsr-453	392	16	f.	f.	PROPN
bjmsr-453	392	17	(	(	PUNCT
bjmsr-453	392	18	2018	2018	NUM
bjmsr-453	392	19	)	)	PUNCT
bjmsr-453	392	20	.	.	PUNCT
bjmsr-453	393	1	a	a	DET
bjmsr-453	393	2	novel	novel	ADJ
bjmsr-453	393	3	heterogeneous	heterogeneous	ADJ
bjmsr-453	393	4	ensemble	ensemble	ADJ
bjmsr-453	393	5	credit	credit	NOUN
bjmsr-453	393	6	scoring	scoring	NOUN
bjmsr-453	393	7	model	model	NOUN
bjmsr-453	393	8	based	base	VERB
bjmsr-453	393	9	on	on	ADP
bjmsr-453	393	10	bstacking	bstacking	ADJ
bjmsr-453	393	11	approach	approach	NOUN
bjmsr-453	393	12	,	,	PUNCT
bjmsr-453	393	13	expert	expert	NOUN
bjmsr-453	393	14	systems	system	NOUN
bjmsr-453	393	15	with	with	ADP
bjmsr-453	393	16	applications,93,183	applications,93,183	PROPN
bjmsr-453	393	17	-	-	PUNCT
bjmsr-453	393	18	199	199	NUM
bjmsr-453	393	19	.	.	PUNCT
bjmsr-453	394	1	yu	yu	PROPN
bjmsr-453	394	2	,	,	PUNCT
bjmsr-453	394	3	l.	l.	PROPN
bjmsr-453	394	4	,	,	PUNCT
bjmsr-453	394	5	wang	wang	PROPN
bjmsr-453	394	6	,	,	PUNCT
bjmsr-453	394	7	s.	s.	PROPN
bjmsr-453	394	8	,	,	PUNCT
bjmsr-453	394	9	&	&	CCONJ
bjmsr-453	394	10	lai	lai	PROPN
bjmsr-453	394	11	,	,	PUNCT
bjmsr-453	394	12	k.	k.	PROPN
bjmsr-453	394	13	(	(	PUNCT
bjmsr-453	394	14	2009	2009	NUM
bjmsr-453	394	15	)	)	PUNCT
bjmsr-453	394	16	.	.	PUNCT
bjmsr-453	395	1	an	an	DET
bjmsr-453	395	2	intelligent	intelligent	ADJ
bjmsr-453	395	3	-	-	PUNCT
bjmsr-453	395	4	agent	agent	NOUN
bjmsr-453	395	5	-	-	PUNCT
bjmsr-453	395	6	based	base	VERB
bjmsr-453	395	7	fuzzy	fuzzy	ADJ
bjmsr-453	395	8	group	group	NOUN
bjmsr-453	395	9	decision	decision	NOUN
bjmsr-453	395	10	making	make	VERB
bjmsr-453	395	11	model	model	NOUN
bjmsr-453	395	12	for	for	ADP
bjmsr-453	395	13	financial	financial	ADJ
bjmsr-453	395	14	multicriteria	multicriteria	PROPN
bjmsr-453	395	15	decision	decision	NOUN
bjmsr-453	395	16	support	support	NOUN
bjmsr-453	395	17	,	,	PUNCT
bjmsr-453	395	18	the	the	DET
bjmsr-453	395	19	case	case	NOUN
bjmsr-453	395	20	of	of	ADP
bjmsr-453	395	21	credit	credit	NOUN
bjmsr-453	395	22	scoring	scoring	NOUN
bjmsr-453	395	23	,	,	PUNCT
bjmsr-453	395	24	european	european	ADJ
bjmsr-453	395	25	journal	journal	PROPN
bjmsr-453	395	26	of	of	ADP
bjmsr-453	395	27	operational	operational	ADJ
bjmsr-453	395	28	research,95(3),942	research,95(3),942	NOUN
bjmsr-453	395	29	-	-	PUNCT
bjmsr-453	395	30	959	959	NUM
bjmsr-453	395	31	.	.	PUNCT
bjmsr-453	396	1	yang	yang	PROPN
bjmsr-453	396	2	,	,	PUNCT
bjmsr-453	396	3	c.	c.	PROPN
bjmsr-453	396	4	(	(	PUNCT
bjmsr-453	396	5	2018	2018	NUM
bjmsr-453	396	6	)	)	PUNCT
bjmsr-453	396	7	.	.	PUNCT
bjmsr-453	397	1	multi	multi	ADJ
bjmsr-453	397	2	-	-	ADJ
bjmsr-453	397	3	dimensional	dimensional	ADJ
bjmsr-453	397	4	optimal	optimal	ADJ
bjmsr-453	397	5	selection	selection	NOUN
bjmsr-453	397	6	strategy	strategy	NOUN
bjmsr-453	397	7	for	for	ADP
bjmsr-453	397	8	credit	credit	NOUN
bjmsr-453	397	9	evaluation	evaluation	NOUN
bjmsr-453	397	10	methods	method	NOUN
bjmsr-453	397	11	,	,	PUNCT
bjmsr-453	397	12	statistics	statistic	NOUN
bjmsr-453	397	13	&	&	CCONJ
bjmsr-453	397	14	decision,34(21),80	decision,34(21),80	NOUN
bjmsr-453	397	15	-	-	PUNCT
bjmsr-453	397	16	85,doi：10.13546	85,doi：10.13546	NUM
bjmsr-453	397	17	/	/	SYM
bjmsr-453	397	18	j.cnki.tjyjc.2018.21.019	j.cnki.tjyjc.2018.21.019	NOUN
bjmsr-453	397	19	.	.	PUNCT
bjmsr-453	398	1	yip	yip	PROPN
bjmsr-453	398	2	,	,	PUNCT
bjmsr-453	398	3	g.s	g.s	PROPN
bjmsr-453	398	4	.	.	PROPN
bjmsr-453	398	5	,	,	PUNCT
bjmsr-453	398	6	&	&	CCONJ
bjmsr-453	398	7	mckern	mckern	PROPN
bjmsr-453	398	8	,	,	PUNCT
bjmsr-453	398	9	b.	b.	PROPN
bjmsr-453	398	10	(	(	PUNCT
bjmsr-453	398	11	2016	2016	NUM
bjmsr-453	398	12	)	)	PUNCT
bjmsr-453	398	13	.	.	PUNCT
bjmsr-453	399	1	china	china	PROPN
bjmsr-453	399	2	's	's	PART
bjmsr-453	399	3	next	next	ADJ
bjmsr-453	399	4	strategic	strategic	ADJ
bjmsr-453	399	5	advantage	advantage	NOUN
bjmsr-453	399	6	:	:	PUNCT
bjmsr-453	399	7	from	from	ADP
bjmsr-453	399	8	imitation	imitation	NOUN
bjmsr-453	399	9	to	to	ADP
bjmsr-453	399	10	innovation	innovation	NOUN
bjmsr-453	399	11	,	,	PUNCT
bjmsr-453	399	12	the	the	DET
bjmsr-453	399	13	mit	mit	PROPN
bjmsr-453	399	14	press	press	NOUN
bjmsr-453	399	15	.	.	PUNCT
bjmsr-453	400	1	appendix	appendix	NOUN
bjmsr-453	400	2	library	library	NOUN
bjmsr-453	400	3	(	(	PUNCT
bjmsr-453	400	4	t	t	NOUN
bjmsr-453	400	5	randomforest	randomforest	NOUN
bjmsr-453	400	6	"	"	PUNCT
bjmsr-453	400	7	)	)	PUNCT
bjmsr-453	400	8	options	option	NOUN
bjmsr-453	400	9	(	(	PUNCT
bjmsr-453	400	10	max	max	PROPN
bjmsr-453	400	11	.	.	PUNCT
bjmsr-453	401	1	print	print	NOUN
bjmsr-453	401	2	=	=	SYM
bjmsr-453	401	3	1000000	1000000	NUM
bjmsr-453	401	4	)	)	PUNCT
bjmsr-453	401	5	data	datum	NOUN
bjmsr-453	401	6	<	<	X
bjmsr-453	401	7	-read.csv	-read.csv	X
bjmsr-453	401	8	(	(	PUNCT
bjmsr-453	401	9	t	t	PROPN
bjmsr-453	401	10	1	1	NUM
bjmsr-453	401	11	new	new	ADJ
bjmsr-453	401	12	and	and	CCONJ
bjmsr-453	401	13	...	...	PUNCT
bjmsr-453	401	14	csv	csv	INTJ
bjmsr-453	401	15	"	"	PUNCT
bjmsr-453	401	16	,	,	PUNCT
bjmsr-453	401	17	header	header	NOUN
bjmsr-453	401	18	=	=	SYM
bjmsr-453	401	19	t	t	PROPN
bjmsr-453	401	20	,	,	PUNCT
bjmsr-453	401	21	sep	sep	PROPN
bjmsr-453	401	22	=	=	NUM
bjmsr-453	401	23	"	"	PUNCT
bjmsr-453	401	24	,	,	PUNCT
bjmsr-453	401	25	"	"	PUNCT
bjmsr-453	401	26	)	)	PUNCT
bjmsr-453	401	27	;	;	PUNCT
bjmsr-453	402	1	data	datum	NOUN
bjmsr-453	402	2	data	datum	NOUN
bjmsr-453	402	3	[	[	X
bjmsr-453	402	4	,	,	PUNCT
bjmsr-453	402	5	6	6	NUM
bjmsr-453	402	6	]	]	PUNCT
bjmsr-453	402	7	<	<	X
bjmsr-453	402	8	-as	-as	NOUN
bjmsr-453	402	9	.	.	PUNCT
bjmsr-453	402	10	factor	factor	NOUN
bjmsr-453	402	11	(	(	PUNCT
bjmsr-453	402	12	data	datum	NOUN
bjmsr-453	402	13	[	[	X
bjmsr-453	402	14	,	,	PUNCT
bjmsr-453	402	15	6])//	6])//	NUM
bjmsr-453	402	16	"	"	PUNCT
bjmsr-453	402	17	turn	turn	VERB
bjmsr-453	402	18	dependent	dependent	ADJ
bjmsr-453	402	19	variable	variable	ADJ
bjmsr-453	402	20	y	y	PROPN
bjmsr-453	402	21	into	into	ADP
bjmsr-453	402	22	factor	factor	NOUN
bjmsr-453	402	23	.	.	PUNCT
bjmsr-453	402	24	"	"	PUNCT
bjmsr-453	403	1	variable	variable	ADJ
bjmsr-453	403	2	class	class	NOUN
bjmsr-453	403	3	(	(	PUNCT
bjmsr-453	403	4	data	datum	NOUN
bjmsr-453	403	5	[	[	X
bjmsr-453	403	6	,	,	PUNCT
bjmsr-453	403	7	6	6	NUM
bjmsr-453	403	8	]	]	PUNCT
bjmsr-453	403	9	)	)	PUNCT
bjmsr-453	403	10	set.seed	set.see	VERB
bjmsr-453	403	11	(	(	PUNCT
bjmsr-453	403	12	100	100	NUM
bjmsr-453	403	13	)	)	PUNCT
bjmsr-453	403	14	ind	ind	NOUN
bjmsr-453	403	15	=	=	SYM
bjmsr-453	403	16	sample	sample	NOUN
bjmsr-453	403	17	(	(	PUNCT
bjmsr-453	403	18	1	1	NUM
bjmsr-453	403	19	,	,	PUNCT
bjmsr-453	403	20	nrow	nrow	NOUN
bjmsr-453	403	21	(	(	PUNCT
bjmsr-453	403	22	data	data	PROPN
bjmsr-453	403	23	)	)	PUNCT
bjmsr-453	403	24	,	,	PUNCT
bjmsr-453	403	25	replace	replace	VERB
bjmsr-453	403	26	=	=	SYM
bjmsr-453	403	27	t	t	PROPN
bjmsr-453	403	28	,	,	PUNCT
bjmsr-453	403	29	prob	prob	NOUN
bjmsr-453	403	30	=	=	PUNCT
bjmsr-453	403	31	c	c	PROPN
bjmsr-453	403	32	(	(	PUNCT
bjmsr-453	403	33	0.8	0.8	NUM
bjmsr-453	403	34	,	,	PUNCT
bjmsr-453	403	35	0.2))//	0.2))//	NOUN
bjmsr-453	403	36	"	"	PUNCT
bjmsr-453	403	37	the	the	DET
bjmsr-453	403	38	whole	whole	ADJ
bjmsr-453	403	39	sample	sample	NOUN
bjmsr-453	403	40	into	into	ADP
bjmsr-453	403	41	8:2	8:2	NUM
bjmsr-453	403	42	training	training	NOUN
bjmsr-453	403	43	samples	sample	NOUN
bjmsr-453	403	44	and	and	CCONJ
bjmsr-453	403	45	forecast	forecast	NOUN
bjmsr-453	403	46	samples	sample	NOUN
bjmsr-453	403	47	.	.	PUNCT
bjmsr-453	403	48	"	"	PUNCT
bjmsr-453	404	1	data.rf	data.rf	X
bjmsr-453	404	2	there	there	PRON
bjmsr-453	404	3	was	be	VERB
bjmsr-453	404	4	no	no	DET
bjmsr-453	404	5	significant	significant	ADJ
bjmsr-453	404	6	difference	difference	NOUN
bjmsr-453	404	7	between	between	ADP
bjmsr-453	404	8	the	the	DET
bjmsr-453	404	9	two	two	NUM
bjmsr-453	404	10	groups	group	NOUN
bjmsr-453	404	11	(	(	PUNCT
bjmsr-453	404	12	y	y	PROPN
bjmsr-453	404	13	~.	~.	PROPN
bjmsr-453	404	14	,	,	PUNCT
bjmsr-453	404	15	fig	fig	NOUN
bjmsr-453	404	16	.	.	PUNCT
bjmsr-453	405	1	data	datum	NOUN
bjmsr-453	406	1	[	[	X
bjmsr-453	406	2	ind	ind	NOUN
bjmsr-453	406	3	=	=	SYM
bjmsr-453	406	4	=	=	SYM
bjmsr-453	406	5	1	1	NUM
bjmsr-453	406	6	,	,	PUNCT
bjmsr-453	406	7	]	]	PUNCT
bjmsr-453	406	8	,	,	PUNCT
bjmsr-453	406	9	ntree	ntree	NOUN
bjmsr-453	406	10	=	=	SYM
bjmsr-453	406	11	50	50	NUM
bjmsr-453	406	12	,	,	PUNCT
bjmsr-453	406	13	nperm	nperm	NOUN
bjmsr-453	406	14	=	=	SYM
bjmsr-453	406	15	10	10	NUM
bjmsr-453	406	16	,	,	PUNCT
bjmsr-453	406	17	mtry	mtry	NOUN
bjmsr-453	406	18	=	=	SYM
bjmsr-453	406	19	3	3	NUM
bjmsr-453	406	20	,	,	PUNCT
bjmsr-453	406	21	stability	stability	NOUN
bjmsr-453	406	22	=	=	SYM
bjmsr-453	406	23	t	t	PROPN
bjmsr-453	406	24	,	,	PUNCT
bjmsr-453	406	25	import	import	NOUN
bjmsr-453	406	26	=	=	SYM
bjmsr-453	406	27	t	t	PROPN
bjmsr-453	406	28	)	)	PUNCT
bjmsr-453	406	29	print	print	NOUN
bjmsr-453	406	30	(	(	PUNCT
bjmsr-453	406	31	fig	fig	NOUN
bjmsr-453	406	32	.	.	PUNCT
bjmsr-453	407	1	data.rf	data.rf	NUM
bjmsr-453	407	2	)	)	PUNCT
bjmsr-453	407	3	plot	plot	NOUN
bjmsr-453	407	4	(	(	PUNCT
bjmsr-453	407	5	i.e.	i.e.	X
bjmsr-453	407	6	data.rf	data.rf	X
bjmsr-453	407	7	)	)	PUNCT
bjmsr-453	407	8	data.pred	data.pre	VERB
bjmsr-453	407	9	the	the	DET
bjmsr-453	407	10	effect	effect	NOUN
bjmsr-453	407	11	of	of	ADP
bjmsr-453	407	12	(=	(=	PUNCT
bjmsr-453	407	13	predict	predict	VERB
bjmsr-453	407	14	(	(	PUNCT
bjmsr-453	407	15	i.e.	i.e.	X
bjmsr-453	407	16	data.rf	data.rf	X
bjmsr-453	407	17	,	,	PUNCT
bjmsr-453	407	18	data	datum	NOUN
bjmsr-453	407	19	[	[	X
bjmsr-453	407	20	ind	ind	NOUN
bjmsr-453	407	21	=	=	SYM
bjmsr-453	407	22	=	=	SYM
bjmsr-453	407	23	2	2	NUM
bjmsr-453	407	24	,	,	PUNCT
bjmsr-453	407	25	]	]	NUM
bjmsr-453	407	26	)	)	PUNCT
bjmsr-453	407	27	table	table	NOUN
bjmsr-453	407	28	(	(	PUNCT
bjmsr-453	407	29	observed	observe	VERB
bjmsr-453	407	30	=	=	PUNCT
bjmsr-453	407	31	data	datum	NOUN
bjmsr-453	408	1	[	[	X
bjmsr-453	408	2	ind	ind	NOUN
bjmsr-453	408	3	=	=	SYM
bjmsr-453	408	4	=	=	SYM
bjmsr-453	408	5	2	2	NUM
bjmsr-453	408	6	,	,	PUNCT
bjmsr-453	408	7	t	t	PROPN
bjmsr-453	408	8	y	y	PROPN
bjmsr-453	408	9	"	"	PUNCT
bjmsr-453	408	10	]	]	PUNCT
bjmsr-453	408	11	,	,	PUNCT
bjmsr-453	408	12	predicted	predict	VERB
bjmsr-453	408	13	=	=	VERB
bjmsr-453	408	14	data.pred	data.pred	ADJ
bjmsr-453	408	15	)	)	PUNCT
bjmsr-453	408	16	import	import	NOUN
bjmsr-453	408	17	(	(	PUNCT
bjmsr-453	408	18	fig	fig	NOUN
bjmsr-453	408	19	.	.	PUNCT
bjmsr-453	409	1	data.rf	data.rf	NUM
bjmsr-453	409	2	type	type	NOUN
bjmsr-453	409	3	=	=	NOUN
bjmsr-453	409	4	1	1	NUM
bjmsr-453	409	5	)	)	PUNCT
bjmsr-453	409	6	//	//	NOUN
bjmsr-453	409	7	"	"	PUNCT
bjmsr-453	409	8	the	the	DET
bjmsr-453	409	9	score	score	NOUN
bjmsr-453	409	10	of	of	ADP
bjmsr-453	409	11	each	each	DET
bjmsr-453	409	12	variable	variable	NOUN
bjmsr-453	409	13	.	.	PUNCT
bjmsr-453	409	14	"	"	PUNCT
bjmsr-453	410	1	import	import	NOUN
bjmsr-453	410	2	(	(	PUNCT
bjmsr-453	410	3	fig	fig	NOUN
bjmsr-453	410	4	.	.	PUNCT
bjmsr-453	411	1	data.rf	data.rf	NUM
bjmsr-453	411	2	type	type	NOUN
bjmsr-453	411	3	=	=	NOUN
bjmsr-453	411	4	2	2	NUM
bjmsr-453	411	5	)	)	PUNCT
bjmsr-453	411	6	varimpplot	varimpplot	NOUN
bjmsr-453	411	7	(	(	PUNCT
bjmsr-453	411	8	data.rf	data.rf	PROPN
bjmsr-453	411	9	)	)	PUNCT
bjmsr-453	411	10	copyrights	copyright	VERB
bjmsr-453	411	11	copyright	copyright	NOUN
bjmsr-453	411	12	for	for	ADP
bjmsr-453	411	13	this	this	DET
bjmsr-453	411	14	article	article	NOUN
bjmsr-453	411	15	is	be	AUX
bjmsr-453	411	16	retained	retain	VERB
bjmsr-453	411	17	by	by	ADP
bjmsr-453	411	18	the	the	DET
bjmsr-453	411	19	author(s	author(s	PROPN
bjmsr-453	411	20	)	)	PUNCT
bjmsr-453	411	21	,	,	PUNCT
bjmsr-453	411	22	with	with	ADP
bjmsr-453	411	23	first	first	ADJ
bjmsr-453	411	24	publication	publication	NOUN
bjmsr-453	411	25	rights	right	NOUN
bjmsr-453	411	26	granted	grant	VERB
bjmsr-453	411	27	to	to	ADP
bjmsr-453	411	28	the	the	DET
bjmsr-453	411	29	journal	journal	NOUN
bjmsr-453	411	30	.	.	PUNCT
bjmsr-453	412	1	this	this	PRON
bjmsr-453	412	2	is	be	AUX
bjmsr-453	412	3	an	an	DET
bjmsr-453	412	4	open	open	ADJ
bjmsr-453	412	5	-	-	PUNCT
bjmsr-453	412	6	access	access	NOUN
bjmsr-453	412	7	article	article	NOUN
bjmsr-453	412	8	distributed	distribute	VERB
bjmsr-453	412	9	under	under	ADP
bjmsr-453	412	10	the	the	DET
bjmsr-453	412	11	terms	term	NOUN
bjmsr-453	412	12	and	and	CCONJ
bjmsr-453	412	13	conditions	condition	NOUN
bjmsr-453	412	14	of	of	ADP
bjmsr-453	412	15	the	the	DET
bjmsr-453	412	16	creative	creative	ADJ
bjmsr-453	412	17	commons	common	NOUN
bjmsr-453	412	18	attribution	attribution	NOUN
bjmsr-453	412	19	license	license	NOUN
bjmsr-453	412	20	(	(	PUNCT
bjmsr-453	412	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-453	412	22	)	)	PUNCT
bjmsr-453	412	23	.	.	PUNCT