id	sid	tid	token	lemma	pos
cjfa-30902	1	1	date	date	NOUN
cjfa-30902	1	2	of	of	ADP
cjfa-30902	1	3	submission	submission	NOUN
cjfa-30902	1	4	:	:	PUNCT
cjfa-30902	1	5	march	march	NOUN
cjfa-30902	1	6	10	10	NUM
cjfa-30902	1	7	,	,	PUNCT
cjfa-30902	1	8	2020	2020	NUM
cjfa-30902	1	9	;	;	PUNCT
cjfa-30902	1	10	date	date	NOUN
cjfa-30902	1	11	of	of	ADP
cjfa-30902	1	12	acceptance	acceptance	NOUN
cjfa-30902	1	13	:	:	PUNCT
cjfa-30902	1	14	april	april	PROPN
cjfa-30902	1	15	24	24	NUM
cjfa-30902	1	16	,	,	PUNCT
cjfa-30902	1	17	2020	2020	NUM
cjfa-30902	1	18	.	.	PUNCT
cjfa-30902	2	1	*	*	PUNCT
cjfa-30902	2	2	contact	contact	NOUN
cjfa-30902	2	3	information	information	NOUN
cjfa-30902	2	4	:	:	PUNCT
cjfa-30902	3	1	ghazi.zouari@fsegs.usf.tn	ghazi.zouari@fsegs.usf.tn	NOUN
cjfa-30902	3	2	,	,	PUNCT
cjfa-30902	3	3	faculty	faculty	NOUN
cjfa-30902	3	4	of	of	ADP
cjfa-30902	3	5	economic	economic	ADJ
cjfa-30902	3	6	sciences	science	NOUN
cjfa-30902	3	7	and	and	CCONJ
cjfa-30902	3	8	management	management	NOUN
cjfa-30902	3	9	,	,	PUNCT
cjfa-30902	3	10	university	university	NOUN
cjfa-30902	3	11	of	of	ADP
cjfa-30902	3	12	sfax	sfax	NOUN
cjfa-30902	3	13	,	,	PUNCT
cjfa-30902	3	14	airport	airport	NOUN
cjfa-30902	3	15	road	road	NOUN
cjfa-30902	3	16	,	,	PUNCT
cjfa-30902	3	17	km	km	PROPN
cjfa-30902	3	18	4.5	4.5	NUM
cjfa-30902	3	19	,	,	PUNCT
cjfa-30902	3	20	pb	pb	ADP
cjfa-30902	3	21	:	:	SYM
cjfa-30902	3	22	1088	1088	NUM
cjfa-30902	3	23	,	,	PUNCT
cjfa-30902	3	24	sfax	sfax	ADJ
cjfa-30902	3	25	3018	3018	NUM
cjfa-30902	3	26	,	,	PUNCT
cjfa-30902	3	27	tunisia	tunisia	PROPN
cjfa-30902	3	28	,	,	PUNCT
cjfa-30902	3	29	phone	phone	NOUN
cjfa-30902	3	30	:	:	PUNCT
cjfa-30902	3	31	+216	+216	NUM
cjfa-30902	3	32	22	22	NUM
cjfa-30902	3	33	633	633	NUM
cjfa-30902	3	34	500	500	NUM
cjfa-30902	3	35	;	;	PUNCT
cjfa-30902	3	36	orcid	orcid	PROPN
cjfa-30902	4	1	i	i	NOUN
cjfa-30902	4	2	d	d	NOUN
cjfa-30902	4	3	:	:	PUNCT
cjfa-30902	4	4	https://orcid.org/0000-0002-8168-3266	https://orcid.org/0000-0002-8168-3266	INTJ
cjfa-30902	4	5	.	.	PUNCT
cjfa-30902	5	1	*	*	PUNCT
cjfa-30902	5	2	*	*	PUNCT
cjfa-30902	5	3	contact	contact	NOUN
cjfa-30902	5	4	information	information	NOUN
cjfa-30902	5	5	:	:	PUNCT
cjfa-30902	5	6	imenabdelmalek@fsegs.u-sfax.tn	imenabdelmalek@fsegs.u-sfax.tn	NOUN
cjfa-30902	5	7	,	,	PUNCT
cjfa-30902	5	8	faculty	faculty	NOUN
cjfa-30902	5	9	of	of	ADP
cjfa-30902	5	10	economic	economic	ADJ
cjfa-30902	5	11	sciences	science	NOUN
cjfa-30902	5	12	and	and	CCONJ
cjfa-30902	5	13	management	management	NOUN
cjfa-30902	5	14	,	,	PUNCT
cjfa-30902	5	15	university	university	NOUN
cjfa-30902	5	16	of	of	ADP
cjfa-30902	5	17	sfax	sfax	NOUN
cjfa-30902	5	18	,	,	PUNCT
cjfa-30902	5	19	airport	airport	NOUN
cjfa-30902	5	20	road	road	NOUN
cjfa-30902	5	21	,	,	PUNCT
cjfa-30902	5	22	km	km	PROPN
cjfa-30902	5	23	4.5	4.5	NUM
cjfa-30902	5	24	,	,	PUNCT
cjfa-30902	5	25	pb	pb	ADP
cjfa-30902	5	26	:	:	SYM
cjfa-30902	5	27	1088	1088	NUM
cjfa-30902	5	28	,	,	PUNCT
cjfa-30902	5	29	sfax	sfax	ADJ
cjfa-30902	5	30	3018	3018	NUM
cjfa-30902	5	31	,	,	PUNCT
cjfa-30902	5	32	tunisia	tunisia	PROPN
cjfa-30902	5	33	,	,	PUNCT
cjfa-30902	5	34	phone	phone	NOUN
cjfa-30902	5	35	:	:	PUNCT
cjfa-30902	5	36	+216	+216	NUM
cjfa-30902	5	37	28	28	NUM
cjfa-30902	5	38	461	461	NUM
cjfa-30902	5	39	817	817	NUM
cjfa-30902	5	40	;	;	PUNCT
cjfa-30902	5	41	orcid	orcid	PROPN
cjfa-30902	6	1	i	i	NOUN
cjfa-30902	6	2	d	d	NOUN
cjfa-30902	6	3	:	:	PUNCT
cjfa-30902	6	4	https://orcid.org/0000-0003-2453-6312	https://orcid.org/0000-0003-2453-6312	PROPN
cjfa-30902	6	5	.	.	PROPN
cjfa-30902	6	6	copernican	copernican	PROPN
cjfa-30902	6	7	journal	journal	PROPN
cjfa-30902	6	8	of	of	ADP
cjfa-30902	6	9	finance	finance	PROPN
cjfa-30902	6	10	&	&	CCONJ
cjfa-30902	6	11	accounting	accounting	PROPN
cjfa-30902	6	12	e	e	PROPN
cjfa-30902	6	13	-	-	PROPN
cjfa-30902	6	14	issn	issn	PROPN
cjfa-30902	6	15	2300	2300	NUM
cjfa-30902	6	16	-	-	SYM
cjfa-30902	6	17	3065	3065	NUM
cjfa-30902	6	18	p	p	PROPN
cjfa-30902	6	19	-	-	PUNCT
cjfa-30902	6	20	issn	issn	PROPN
cjfa-30902	6	21	2300	2300	NUM
cjfa-30902	6	22	-	-	SYM
cjfa-30902	6	23	12402020	12402020	NUM
cjfa-30902	6	24	,	,	PUNCT
cjfa-30902	6	25	volume	volume	NOUN
cjfa-30902	6	26	9	9	NUM
cjfa-30902	6	27	,	,	PUNCT
cjfa-30902	6	28	issue	issue	NOUN
cjfa-30902	6	29	1	1	NUM
cjfa-30902	6	30	zouari	zouari	ADJ
cjfa-30902	6	31	,	,	PUNCT
cjfa-30902	6	32	g.	g.	PROPN
cjfa-30902	6	33	,	,	PUNCT
cjfa-30902	6	34	&	&	CCONJ
cjfa-30902	6	35	abdelmalek	abdelmalek	PROPN
cjfa-30902	6	36	,	,	PUNCT
cjfa-30902	6	37	i.	i.	PROPN
cjfa-30902	6	38	(	(	PUNCT
cjfa-30902	6	39	2020	2020	NUM
cjfa-30902	6	40	)	)	PUNCT
cjfa-30902	6	41	.	.	PUNCT
cjfa-30902	7	1	financial	financial	ADJ
cjfa-30902	7	2	innovation	innovation	NOUN
cjfa-30902	7	3	,	,	PUNCT
cjfa-30902	7	4	risk	risk	NOUN
cjfa-30902	7	5	management	management	NOUN
cjfa-30902	7	6	,	,	PUNCT
cjfa-30902	7	7	and	and	CCONJ
cjfa-30902	7	8	bank	bank	NOUN
cjfa-30902	7	9	performance	performance	NOUN
cjfa-30902	7	10	.	.	PUNCT
cjfa-30902	8	1	copernican	copernican	PROPN
cjfa-30902	8	2	journal	journal	PROPN
cjfa-30902	8	3	of	of	ADP
cjfa-30902	8	4	finance	finance	PROPN
cjfa-30902	8	5	&	&	CCONJ
cjfa-30902	8	6	accounting	accounting	PROPN
cjfa-30902	8	7	,	,	PUNCT
cjfa-30902	8	8	9(1	9(1	NUM
cjfa-30902	8	9	)	)	PUNCT
cjfa-30902	8	10	,	,	PUNCT
cjfa-30902	8	11	77–100	77–100	PROPN
cjfa-30902	8	12	.	.	PUNCT
cjfa-30902	9	1	http://dx.doi.org/10.12775/	http://dx.doi.org/10.12775/	NOUN
cjfa-30902	10	1	cjfa.2020.004	cjfa.2020.004	NOUN
cjfa-30902	10	2	ghazi	ghazi	VERB
cjfa-30902	10	3	zouari	zouari	PROPN
cjfa-30902	10	4	*	*	PROPN
cjfa-30902	10	5	university	university	PROPN
cjfa-30902	10	6	of	of	ADP
cjfa-30902	10	7	sfax	sfax	ADJ
cjfa-30902	10	8	imen	iman	NOUN
cjfa-30902	10	9	abdelmalek	abdelmalek	VERB
cjfa-30902	10	10	*	*	PROPN
cjfa-30902	10	11	*	*	PROPN
cjfa-30902	10	12	university	university	PROPN
cjfa-30902	10	13	of	of	ADP
cjfa-30902	10	14	sfax	sfax	ADJ
cjfa-30902	10	15	financial	financial	ADJ
cjfa-30902	10	16	innovation	innovation	NOUN
cjfa-30902	10	17	,	,	PUNCT
cjfa-30902	10	18	risk	risk	NOUN
cjfa-30902	10	19	management	management	NOUN
cjfa-30902	10	20	,	,	PUNCT
cjfa-30902	10	21	and	and	CCONJ
cjfa-30902	10	22	bank	bank	NOUN
cjfa-30902	10	23	performance	performance	NOUN
cjfa-30902	10	24	keywords	keyword	NOUN
cjfa-30902	10	25	:	:	PUNCT
cjfa-30902	10	26	financial	financial	ADJ
cjfa-30902	10	27	innovation	innovation	NOUN
cjfa-30902	10	28	,	,	PUNCT
cjfa-30902	10	29	risk	risk	NOUN
cjfa-30902	10	30	management	management	NOUN
cjfa-30902	10	31	,	,	PUNCT
cjfa-30902	10	32	performance	performance	NOUN
cjfa-30902	10	33	of	of	ADP
cjfa-30902	10	34	tunisian	tunisian	ADJ
cjfa-30902	10	35	banks	bank	NOUN
cjfa-30902	10	36	.	.	PUNCT
cjfa-30902	11	1	j	j	PROPN
cjfa-30902	11	2	e	e	NOUN
cjfa-30902	11	3	l	l	PROPN
cjfa-30902	11	4	classification	classification	NOUN
cjfa-30902	11	5	:	:	PUNCT
cjfa-30902	11	6	g21	g21	PROPN
cjfa-30902	11	7	,	,	PUNCT
cjfa-30902	11	8	g32	g32	NOUN
cjfa-30902	11	9	,	,	PUNCT
cjfa-30902	11	10	o30	o30	PROPN
cjfa-30902	11	11	.	.	PUNCT
cjfa-30902	12	1	abstract	abstract	ADJ
cjfa-30902	12	2	:	:	PUNCT
cjfa-30902	12	3	several	several	ADJ
cjfa-30902	12	4	researches	research	NOUN
cjfa-30902	12	5	conducted	conduct	VERB
cjfa-30902	12	6	from	from	ADP
cjfa-30902	12	7	the	the	DET
cjfa-30902	12	8	angle	angle	NOUN
cjfa-30902	12	9	of	of	ADP
cjfa-30902	12	10	corporate	corporate	ADJ
cjfa-30902	12	11	governance	governance	NOUN
cjfa-30902	12	12	reveals	reveal	VERB
cjfa-30902	12	13	that	that	SCONJ
cjfa-30902	12	14	the	the	DET
cjfa-30902	12	15	majority	majority	NOUN
cjfa-30902	12	16	of	of	ADP
cjfa-30902	12	17	the	the	DET
cjfa-30902	12	18	work	work	NOUN
cjfa-30902	12	19	that	that	PRON
cjfa-30902	12	20	examines	examine	VERB
cjfa-30902	12	21	the	the	DET
cjfa-30902	12	22	direct	direct	ADJ
cjfa-30902	12	23	association	association	NOUN
cjfa-30902	12	24	between	between	ADP
cjfa-30902	12	25	financial	financial	ADJ
cjfa-30902	12	26	innovation	innovation	NOUN
cjfa-30902	12	27	and	and	CCONJ
cjfa-30902	12	28	bank	bank	NOUN
cjfa-30902	12	29	performance	performance	NOUN
cjfa-30902	12	30	has	have	AUX
cjfa-30902	12	31	displayed	display	VERB
cjfa-30902	12	32	mixed	mixed	ADJ
cjfa-30902	12	33	results	result	NOUN
cjfa-30902	12	34	and	and	CCONJ
cjfa-30902	12	35	has	have	AUX
cjfa-30902	12	36	ignored	ignore	VERB
cjfa-30902	12	37	the	the	DET
cjfa-30902	12	38	indirect	indirect	ADJ
cjfa-30902	12	39	relationship	relationship	NOUN
cjfa-30902	12	40	between	between	ADP
cjfa-30902	12	41	these	these	DET
cjfa-30902	12	42	two	two	NUM
cjfa-30902	12	43	variables	variable	NOUN
cjfa-30902	12	44	through	through	ADP
cjfa-30902	12	45	the	the	DET
cjfa-30902	12	46	risk	risk	NOUN
cjfa-30902	12	47	management	management	NOUN
cjfa-30902	12	48	of	of	ADP
cjfa-30902	12	49	incurred	incur	VERB
cjfa-30902	12	50	by	by	ADP
cjfa-30902	12	51	the	the	DET
cjfa-30902	12	52	bank	bank	NOUN
cjfa-30902	12	53	.	.	PUNCT
cjfa-30902	13	1	in	in	ADP
cjfa-30902	13	2	this	this	DET
cjfa-30902	13	3	context	context	NOUN
cjfa-30902	13	4	,	,	PUNCT
cjfa-30902	13	5	the	the	DET
cjfa-30902	13	6	purpose	purpose	NOUN
cjfa-30902	13	7	of	of	ADP
cjfa-30902	13	8	this	this	DET
cjfa-30902	13	9	study	study	NOUN
cjfa-30902	13	10	is	be	AUX
cjfa-30902	13	11	to	to	PART
cjfa-30902	13	12	investigate	investigate	VERB
cjfa-30902	13	13	whether	whether	SCONJ
cjfa-30902	13	14	or	or	CCONJ
cjfa-30902	13	15	not	not	PART
cjfa-30902	13	16	there	there	PRON
cjfa-30902	13	17	is	be	VERB
cjfa-30902	13	18	a	a	DET
cjfa-30902	13	19	mediating	mediate	VERB
cjfa-30902	13	20	effect	effect	NOUN
cjfa-30902	13	21	of	of	ADP
cjfa-30902	13	22	risk	risk	NOUN
cjfa-30902	13	23	management	management	NOUN
cjfa-30902	13	24	on	on	ADP
cjfa-30902	13	25	the	the	DET
cjfa-30902	13	26	relationship	relationship	NOUN
cjfa-30902	13	27	between	between	ADP
cjfa-30902	13	28	financial	financial	ADJ
cjfa-30902	13	29	innovation	innovation	NOUN
cjfa-30902	13	30	and	and	CCONJ
cjfa-30902	13	31	bank	bank	NOUN
cjfa-30902	13	32	performance	performance	NOUN
cjfa-30902	13	33	.	.	PUNCT
cjfa-30902	14	1	data	datum	NOUN
cjfa-30902	14	2	collected	collect	VERB
cjfa-30902	14	3	from	from	ADP
cjfa-30902	14	4	annual	annual	ADJ
cjfa-30902	14	5	activity	activity	NOUN
cjfa-30902	14	6	reports	report	NOUN
cjfa-30902	14	7	of	of	ADP
cjfa-30902	14	8	banks	bank	NOUN
cjfa-30902	14	9	listed	list	VERB
cjfa-30902	14	10	on	on	ADP
cjfa-30902	14	11	the	the	DET
cjfa-30902	14	12	tunis	tunis	NOUN
cjfa-30902	14	13	stock	stock	NOUN
cjfa-30902	14	14	exchange	exchange	NOUN
cjfa-30902	14	15	is	be	AUX
cjfa-30902	14	16	analyzed	analyze	VERB
cjfa-30902	14	17	,	,	PUNCT
cjfa-30902	14	18	and	and	CCONJ
cjfa-30902	14	19	used	use	VERB
cjfa-30902	14	20	to	to	PART
cjfa-30902	14	21	validate	validate	VERB
cjfa-30902	14	22	the	the	DET
cjfa-30902	14	23	theoretical	theoretical	ADJ
cjfa-30902	14	24	and	and	CCONJ
cjfa-30902	14	25	empirical	empirical	ADJ
cjfa-30902	14	26	contributions	contribution	NOUN
cjfa-30902	14	27	of	of	ADP
cjfa-30902	14	28	our	our	PRON
cjfa-30902	14	29	article	article	NOUN
cjfa-30902	14	30	.	.	PUNCT
cjfa-30902	15	1	the	the	DET
cjfa-30902	15	2	empirical	empirical	ADJ
cjfa-30902	15	3	study	study	NOUN
cjfa-30902	15	4	uses	use	VERB
cjfa-30902	15	5	the	the	DET
cjfa-30902	15	6	panel	panel	NOUN
cjfa-30902	15	7	data	datum	NOUN
cjfa-30902	15	8	extracted	extract	VERB
cjfa-30902	15	9	from	from	ADP
cjfa-30902	15	10	10	10	NUM
cjfa-30902	15	11	banks	bank	NOUN
cjfa-30902	15	12	,	,	PUNCT
cjfa-30902	15	13	over	over	ADP
cjfa-30902	15	14	the	the	DET
cjfa-30902	15	15	period	period	NOUN
cjfa-30902	15	16	ranging	range	VERB
cjfa-30902	15	17	from	from	ADP
cjfa-30902	15	18	2009	2009	NUM
cjfa-30902	15	19	to	to	ADP
cjfa-30902	15	20	2017	2017	NUM
cjfa-30902	15	21	,	,	PUNCT
cjfa-30902	15	22	and	and	CCONJ
cjfa-30902	15	23	the	the	DET
cjfa-30902	15	24	baron	baron	NOUN
cjfa-30902	15	25	and	and	CCONJ
cjfa-30902	15	26	ghazi	ghazi	PROPN
cjfa-30902	15	27	zouari	zouari	PROPN
cjfa-30902	15	28	,	,	PUNCT
cjfa-30902	15	29	imen	imen	PROPN
cjfa-30902	15	30	abdelmalek78	abdelmalek78	VERB
cjfa-30902	15	31	kenny	kenny	PROPN
cjfa-30902	15	32	(	(	PUNCT
cjfa-30902	15	33	1986	1986	NUM
cjfa-30902	15	34	)	)	PUNCT
cjfa-30902	15	35	mediation	mediation	NOUN
cjfa-30902	15	36	approach	approach	NOUN
cjfa-30902	15	37	has	have	AUX
cjfa-30902	15	38	been	be	AUX
cjfa-30902	15	39	estimated	estimate	VERB
cjfa-30902	15	40	,	,	PUNCT
cjfa-30902	15	41	using	use	VERB
cjfa-30902	15	42	specifications	specification	NOUN
cjfa-30902	15	43	of	of	ADP
cjfa-30902	15	44	random	random	ADJ
cjfa-30902	15	45	effects	effect	NOUN
cjfa-30902	15	46	.	.	PUNCT
cjfa-30902	16	1	our	our	PRON
cjfa-30902	16	2	empirical	empirical	ADJ
cjfa-30902	16	3	analysis	analysis	NOUN
cjfa-30902	16	4	substantiates	substantiate	VERB
cjfa-30902	16	5	that	that	SCONJ
cjfa-30902	16	6	financial	financial	ADJ
cjfa-30902	16	7	innovation	innovation	NOUN
cjfa-30902	16	8	has	have	VERB
cjfa-30902	16	9	a	a	DET
cjfa-30902	16	10	positive	positive	ADJ
cjfa-30902	16	11	direct	direct	ADJ
cjfa-30902	16	12	effect	effect	NOUN
cjfa-30902	16	13	on	on	ADP
cjfa-30902	16	14	stock	stock	NOUN
cjfa-30902	16	15	market	market	NOUN
cjfa-30902	16	16	performance	performance	NOUN
cjfa-30902	16	17	,	,	PUNCT
cjfa-30902	16	18	and	and	CCONJ
cjfa-30902	16	19	a	a	DET
cjfa-30902	16	20	non	non	ADJ
cjfa-30902	16	21	-	-	ADJ
cjfa-30902	16	22	significative	significative	ADJ
cjfa-30902	16	23	impact	impact	NOUN
cjfa-30902	16	24	on	on	ADP
cjfa-30902	16	25	financial	financial	ADJ
cjfa-30902	16	26	profitability	profitability	NOUN
cjfa-30902	16	27	.	.	PUNCT
cjfa-30902	17	1	additionally	additionally	ADV
cjfa-30902	17	2	,	,	PUNCT
cjfa-30902	17	3	our	our	PRON
cjfa-30902	17	4	results	result	NOUN
cjfa-30902	17	5	show	show	VERB
cjfa-30902	17	6	that	that	SCONJ
cjfa-30902	17	7	improving	improve	VERB
cjfa-30902	17	8	the	the	DET
cjfa-30902	17	9	stock	stock	NOUN
cjfa-30902	17	10	market	market	NOUN
cjfa-30902	17	11	performance	performance	NOUN
cjfa-30902	17	12	of	of	ADP
cjfa-30902	17	13	banks	bank	NOUN
cjfa-30902	17	14	by	by	ADP
cjfa-30902	17	15	financial	financial	ADJ
cjfa-30902	17	16	innovation	innovation	NOUN
cjfa-30902	17	17	depends	depend	VERB
cjfa-30902	17	18	on	on	ADP
cjfa-30902	17	19	the	the	DET
cjfa-30902	17	20	mediator	mediator	NOUN
cjfa-30902	17	21	role	role	NOUN
cjfa-30902	17	22	of	of	ADP
cjfa-30902	17	23	the	the	DET
cjfa-30902	17	24	operational	operational	ADJ
cjfa-30902	17	25	risk	risk	NOUN
cjfa-30902	17	26	management	management	NOUN
cjfa-30902	17	27	.	.	PUNCT
cjfa-30902	18	1	to	to	PART
cjfa-30902	18	2	remain	remain	VERB
cjfa-30902	18	3	improving	improve	VERB
cjfa-30902	18	4	performance	performance	NOUN
cjfa-30902	18	5	,	,	PUNCT
cjfa-30902	18	6	tunisian	tunisian	ADJ
cjfa-30902	18	7	banks	bank	NOUN
cjfa-30902	18	8	must	must	AUX
cjfa-30902	18	9	pay	pay	VERB
cjfa-30902	18	10	more	more	ADJ
cjfa-30902	18	11	attention	attention	NOUN
cjfa-30902	18	12	on	on	ADP
cjfa-30902	18	13	special	special	ADJ
cjfa-30902	18	14	training	training	NOUN
cjfa-30902	18	15	of	of	ADP
cjfa-30902	18	16	bank	bank	NOUN
cjfa-30902	18	17	managers	manager	NOUN
cjfa-30902	18	18	whose	whose	DET
cjfa-30902	18	19	function	function	NOUN
cjfa-30902	18	20	relate	relate	VERB
cjfa-30902	18	21	to	to	ADP
cjfa-30902	18	22	the	the	DET
cjfa-30902	18	23	choice	choice	NOUN
cjfa-30902	18	24	of	of	ADP
cjfa-30902	18	25	financial	financial	ADJ
cjfa-30902	18	26	innovations	innovation	NOUN
cjfa-30902	18	27	and	and	CCONJ
cjfa-30902	18	28	manage	manage	VERB
cjfa-30902	18	29	the	the	DET
cjfa-30902	18	30	associated	associated	ADJ
cjfa-30902	18	31	risks	risk	NOUN
cjfa-30902	18	32	.	.	PUNCT
cjfa-30902	18	33	 	 	SPACE
cjfa-30902	19	1	introduction	introduction	NOUN
cjfa-30902	19	2	in	in	ADP
cjfa-30902	19	3	literature	literature	PROPN
cjfa-30902	19	4	review	review	PROPN
cjfa-30902	19	5	,	,	PUNCT
cjfa-30902	19	6	the	the	DET
cjfa-30902	19	7	concept	concept	NOUN
cjfa-30902	19	8	of	of	ADP
cjfa-30902	19	9	financial	financial	ADJ
cjfa-30902	19	10	innovation	innovation	NOUN
cjfa-30902	19	11	is	be	AUX
cjfa-30902	19	12	so	so	ADV
cjfa-30902	19	13	broad	broad	ADJ
cjfa-30902	19	14	,	,	PUNCT
cjfa-30902	19	15	and	and	CCONJ
cjfa-30902	19	16	evolves	evolve	VERB
cjfa-30902	19	17	over	over	ADP
cjfa-30902	19	18	time	time	NOUN
cjfa-30902	19	19	.	.	PUNCT
cjfa-30902	20	1	it	it	PRON
cjfa-30902	20	2	is	be	AUX
cjfa-30902	20	3	defined	define	VERB
cjfa-30902	20	4	in	in	ADP
cjfa-30902	20	5	different	different	ADJ
cjfa-30902	20	6	ways	way	NOUN
cjfa-30902	20	7	(	(	PUNCT
cjfa-30902	20	8	merton	merton	NOUN
cjfa-30902	20	9	,	,	PUNCT
cjfa-30902	20	10	1992	1992	NUM
cjfa-30902	20	11	;	;	PUNCT
cjfa-30902	20	12	tufano	tufano	ADJ
cjfa-30902	20	13	,	,	PUNCT
cjfa-30902	20	14	2003	2003	NUM
cjfa-30902	20	15	;	;	PUNCT
cjfa-30902	20	16	frame	frame	NOUN
cjfa-30902	20	17	&	&	CCONJ
cjfa-30902	20	18	white	white	ADJ
cjfa-30902	20	19	,	,	PUNCT
cjfa-30902	20	20	2002	2002	NUM
cjfa-30902	20	21	;	;	PUNCT
cjfa-30902	20	22	llewellyn	llewellyn	PROPN
cjfa-30902	20	23	,	,	PUNCT
cjfa-30902	20	24	2009	2009	NUM
cjfa-30902	20	25	;	;	PUNCT
cjfa-30902	20	26	sokołowska	sokołowska	NOUN
cjfa-30902	20	27	,	,	PUNCT
cjfa-30902	20	28	2014	2014	NUM
cjfa-30902	20	29	)	)	PUNCT
cjfa-30902	20	30	.	.	PUNCT
cjfa-30902	21	1	according	accord	VERB
cjfa-30902	21	2	to	to	ADP
cjfa-30902	21	3	tufano	tufano	ADJ
cjfa-30902	21	4	(	(	PUNCT
cjfa-30902	21	5	2003	2003	NUM
cjfa-30902	21	6	)	)	PUNCT
cjfa-30902	21	7	,	,	PUNCT
cjfa-30902	21	8	“	"	PUNCT
cjfa-30902	21	9	financial	financial	ADJ
cjfa-30902	21	10	innovation	innovation	NOUN
cjfa-30902	21	11	is	be	AUX
cjfa-30902	21	12	the	the	DET
cjfa-30902	21	13	act	act	NOUN
cjfa-30902	21	14	of	of	ADP
cjfa-30902	21	15	creating	create	VERB
cjfa-30902	21	16	and	and	CCONJ
cjfa-30902	21	17	then	then	ADV
cjfa-30902	21	18	popularizing	popularize	VERB
cjfa-30902	21	19	new	new	ADJ
cjfa-30902	21	20	financial	financial	ADJ
cjfa-30902	21	21	instruments	instrument	NOUN
cjfa-30902	21	22	as	as	ADV
cjfa-30902	21	23	well	well	ADV
cjfa-30902	21	24	as	as	ADP
cjfa-30902	21	25	new	new	ADJ
cjfa-30902	21	26	financial	financial	ADJ
cjfa-30902	21	27	technologies	technology	NOUN
cjfa-30902	21	28	,	,	PUNCT
cjfa-30902	21	29	institutions	institution	NOUN
cjfa-30902	21	30	and	and	CCONJ
cjfa-30902	21	31	markets	market	NOUN
cjfa-30902	21	32	”	"	PUNCT
cjfa-30902	21	33	.	.	PUNCT
cjfa-30902	22	1	financial	financial	ADJ
cjfa-30902	22	2	innovation	innovation	NOUN
cjfa-30902	22	3	is	be	AUX
cjfa-30902	22	4	a	a	DET
cjfa-30902	22	5	process	process	NOUN
cjfa-30902	22	6	,	,	PUNCT
cjfa-30902	22	7	carried	carry	VERB
cjfa-30902	22	8	out	out	ADP
cjfa-30902	22	9	by	by	ADP
cjfa-30902	22	10	any	any	DET
cjfa-30902	22	11	institution	institution	NOUN
cjfa-30902	22	12	,	,	PUNCT
cjfa-30902	22	13	involving	involve	VERB
cjfa-30902	22	14	the	the	DET
cjfa-30902	22	15	creation	creation	NOUN
cjfa-30902	22	16	,	,	PUNCT
cjfa-30902	22	17	promotion	promotion	NOUN
cjfa-30902	22	18	and	and	CCONJ
cjfa-30902	22	19	adoption	adoption	NOUN
cjfa-30902	22	20	of	of	ADP
cjfa-30902	22	21	new	new	ADJ
cjfa-30902	22	22	(	(	PUNCT
cjfa-30902	22	23	including	include	VERB
cjfa-30902	22	24	both	both	CCONJ
cjfa-30902	22	25	incremental	incremental	ADJ
cjfa-30902	22	26	and	and	CCONJ
cjfa-30902	22	27	radical	radical	ADJ
cjfa-30902	22	28	)	)	PUNCT
cjfa-30902	22	29	products	product	NOUN
cjfa-30902	22	30	,	,	PUNCT
cjfa-30902	22	31	platforms	platform	NOUN
cjfa-30902	22	32	and	and	CCONJ
cjfa-30902	22	33	processes	process	NOUN
cjfa-30902	22	34	.	.	PUNCT
cjfa-30902	23	1	it	it	PRON
cjfa-30902	23	2	is	be	AUX
cjfa-30902	23	3	also	also	ADV
cjfa-30902	23	4	a	a	DET
cjfa-30902	23	5	technology	technology	NOUN
cjfa-30902	23	6	catalyst	catalyst	NOUN
cjfa-30902	23	7	introducing	introduce	VERB
cjfa-30902	23	8	new	new	ADJ
cjfa-30902	23	9	ways	way	NOUN
cjfa-30902	23	10	of	of	ADP
cjfa-30902	23	11	or	or	CCONJ
cjfa-30902	23	12	changes	change	NOUN
cjfa-30902	23	13	in	in	ADP
cjfa-30902	23	14	conducting	conduct	VERB
cjfa-30902	23	15	a	a	DET
cjfa-30902	23	16	financial	financial	ADJ
cjfa-30902	23	17	activity	activity	NOUN
cjfa-30902	23	18	(	(	PUNCT
cjfa-30902	23	19	khraisha	khraisha	PROPN
cjfa-30902	23	20	&	&	CCONJ
cjfa-30902	23	21	arthur	arthur	PROPN
cjfa-30902	23	22	,	,	PUNCT
cjfa-30902	23	23	2018	2018	NUM
cjfa-30902	23	24	;	;	PUNCT
cjfa-30902	23	25	sokołowska	sokołowska	NOUN
cjfa-30902	23	26	,	,	PUNCT
cjfa-30902	23	27	2014	2014	NUM
cjfa-30902	23	28	)	)	PUNCT
cjfa-30902	23	29	.	.	PUNCT
cjfa-30902	24	1	we	we	PRON
cjfa-30902	24	2	act	act	VERB
cjfa-30902	24	3	in	in	ADP
cjfa-30902	24	4	accordance	accordance	NOUN
cjfa-30902	24	5	with	with	ADP
cjfa-30902	24	6	nejad	nejad	PROPN
cjfa-30902	24	7	’s	’s	PART
cjfa-30902	24	8	(	(	PUNCT
cjfa-30902	24	9	2016	2016	NUM
cjfa-30902	24	10	)	)	PUNCT
cjfa-30902	24	11	concept	concept	NOUN
cjfa-30902	24	12	of	of	ADP
cjfa-30902	24	13	financial	financial	ADJ
cjfa-30902	24	14	innovation	innovation	NOUN
cjfa-30902	24	15	,	,	PUNCT
cjfa-30902	24	16	consisting	consist	VERB
cjfa-30902	24	17	in	in	ADP
cjfa-30902	24	18	“	"	PUNCT
cjfa-30902	24	19	the	the	DET
cjfa-30902	24	20	development	development	NOUN
cjfa-30902	24	21	,	,	PUNCT
cjfa-30902	24	22	introduction	introduction	NOUN
cjfa-30902	24	23	,	,	PUNCT
cjfa-30902	24	24	and	and	CCONJ
cjfa-30902	24	25	management	management	NOUN
cjfa-30902	24	26	of	of	ADP
cjfa-30902	24	27	a	a	DET
cjfa-30902	24	28	product	product	NOUN
cjfa-30902	24	29	,	,	PUNCT
cjfa-30902	24	30	service	service	NOUN
cjfa-30902	24	31	,	,	PUNCT
cjfa-30902	24	32	a	a	DET
cjfa-30902	24	33	business	business	NOUN
cjfa-30902	24	34	model	model	NOUN
cjfa-30902	24	35	,	,	PUNCT
cjfa-30902	24	36	or	or	CCONJ
cjfa-30902	24	37	a	a	DET
cjfa-30902	24	38	process	process	NOUN
cjfa-30902	24	39	that	that	PRON
cjfa-30902	24	40	is	be	AUX
cjfa-30902	24	41	developed	develop	VERB
cjfa-30902	24	42	to	to	PART
cjfa-30902	24	43	directly	directly	ADV
cjfa-30902	24	44	serve	serve	VERB
cjfa-30902	24	45	the	the	DET
cjfa-30902	24	46	financial	financial	ADJ
cjfa-30902	24	47	industry	industry	NOUN
cjfa-30902	24	48	”	"	PUNCT
cjfa-30902	24	49	.	.	PUNCT
cjfa-30902	25	1	the	the	DET
cjfa-30902	25	2	development	development	NOUN
cjfa-30902	25	3	of	of	ADP
cjfa-30902	25	4	financial	financial	ADJ
cjfa-30902	25	5	innovation	innovation	NOUN
cjfa-30902	25	6	contributes	contribute	VERB
cjfa-30902	25	7	to	to	ADP
cjfa-30902	25	8	the	the	DET
cjfa-30902	25	9	wealth	wealth	NOUN
cjfa-30902	25	10	of	of	ADP
cjfa-30902	25	11	shareholders	shareholder	NOUN
cjfa-30902	25	12	.	.	PUNCT
cjfa-30902	26	1	however	however	ADV
cjfa-30902	26	2	,	,	PUNCT
cjfa-30902	26	3	the	the	DET
cjfa-30902	26	4	crisis	crisis	NOUN
cjfa-30902	26	5	that	that	PRON
cjfa-30902	26	6	affected	affect	VERB
cjfa-30902	26	7	global	global	ADJ
cjfa-30902	26	8	financial	financial	ADJ
cjfa-30902	26	9	stability	stability	NOUN
cjfa-30902	26	10	and	and	CCONJ
cjfa-30902	26	11	the	the	DET
cjfa-30902	26	12	economy	economy	NOUN
cjfa-30902	26	13	in	in	ADP
cjfa-30902	26	14	2007/2008	2007/2008	NUM
cjfa-30902	26	15	,	,	PUNCT
cjfa-30902	26	16	the	the	DET
cjfa-30902	26	17	financial	financial	ADJ
cjfa-30902	26	18	innovation	innovation	NOUN
cjfa-30902	26	19	has	have	AUX
cjfa-30902	26	20	become	become	VERB
cjfa-30902	26	21	risky	risky	ADJ
cjfa-30902	26	22	(	(	PUNCT
cjfa-30902	26	23	arthur	arthur	NOUN
cjfa-30902	26	24	,	,	PUNCT
cjfa-30902	26	25	2017	2017	NUM
cjfa-30902	26	26	)	)	PUNCT
cjfa-30902	26	27	,	,	PUNCT
cjfa-30902	26	28	and	and	CCONJ
cjfa-30902	26	29	a	a	DET
cjfa-30902	26	30	source	source	NOUN
cjfa-30902	26	31	of	of	ADP
cjfa-30902	26	32	bank	bank	NOUN
cjfa-30902	26	33	fragility	fragility	NOUN
cjfa-30902	26	34	(	(	PUNCT
cjfa-30902	26	35	beck	beck	PROPN
cjfa-30902	26	36	,	,	PUNCT
cjfa-30902	26	37	chen	chen	PROPN
cjfa-30902	26	38	,	,	PUNCT
cjfa-30902	26	39	lin	lin	PROPN
cjfa-30902	26	40	&	&	CCONJ
cjfa-30902	26	41	song	song	PROPN
cjfa-30902	26	42	,	,	PUNCT
cjfa-30902	26	43	2016	2016	NUM
cjfa-30902	26	44	)	)	PUNCT
cjfa-30902	26	45	.	.	PUNCT
cjfa-30902	27	1	researchers	researcher	NOUN
cjfa-30902	27	2	have	have	AUX
cjfa-30902	27	3	revealed	reveal	VERB
cjfa-30902	27	4	that	that	SCONJ
cjfa-30902	27	5	the	the	DET
cjfa-30902	27	6	leading	lead	VERB
cjfa-30902	27	7	cause	cause	NOUN
cjfa-30902	27	8	of	of	ADP
cjfa-30902	27	9	crisis	crisis	NOUN
cjfa-30902	27	10	is	be	AUX
cjfa-30902	27	11	the	the	DET
cjfa-30902	27	12	lack	lack	NOUN
cjfa-30902	27	13	of	of	ADP
cjfa-30902	27	14	how	how	SCONJ
cjfa-30902	27	15	to	to	PART
cjfa-30902	27	16	govern	govern	VERB
cjfa-30902	27	17	innovation	innovation	NOUN
cjfa-30902	27	18	,	,	PUNCT
cjfa-30902	27	19	specifically	specifically	ADV
cjfa-30902	27	20	the	the	DET
cjfa-30902	27	21	management	management	NOUN
cjfa-30902	27	22	risk	risk	NOUN
cjfa-30902	27	23	of	of	ADP
cjfa-30902	27	24	innovation	innovation	NOUN
cjfa-30902	27	25	.	.	PUNCT
cjfa-30902	28	1	consequently	consequently	ADV
cjfa-30902	28	2	,	,	PUNCT
cjfa-30902	28	3	the	the	DET
cjfa-30902	28	4	crisis	crisis	NOUN
cjfa-30902	28	5	has	have	AUX
cjfa-30902	28	6	reinforced	reinforce	VERB
cjfa-30902	28	7	the	the	DET
cjfa-30902	28	8	need	need	NOUN
cjfa-30902	28	9	to	to	PART
cjfa-30902	28	10	rethink	rethink	VERB
cjfa-30902	28	11	some	some	PRON
cjfa-30902	28	12	of	of	ADP
cjfa-30902	28	13	the	the	DET
cjfa-30902	28	14	approaches	approach	NOUN
cjfa-30902	28	15	adopted	adopt	VERB
cjfa-30902	28	16	by	by	ADP
cjfa-30902	28	17	the	the	DET
cjfa-30902	28	18	financial	financial	ADJ
cjfa-30902	28	19	community	community	NOUN
cjfa-30902	28	20	in	in	ADP
cjfa-30902	28	21	assessing	assess	VERB
cjfa-30902	28	22	bank	bank	NOUN
cjfa-30902	28	23	performance	performance	NOUN
cjfa-30902	28	24	.	.	PUNCT
cjfa-30902	29	1	to	to	ADP
cjfa-30902	29	2	this	this	DET
cjfa-30902	29	3	end	end	NOUN
cjfa-30902	29	4	,	,	PUNCT
cjfa-30902	29	5	it	it	PRON
cjfa-30902	29	6	is	be	AUX
cjfa-30902	29	7	important	important	ADJ
cjfa-30902	29	8	to	to	PART
cjfa-30902	29	9	obtain	obtain	VERB
cjfa-30902	29	10	a	a	DET
cjfa-30902	29	11	comprehensive	comprehensive	ADJ
cjfa-30902	29	12	view	view	NOUN
cjfa-30902	29	13	of	of	ADP
cjfa-30902	29	14	the	the	DET
cjfa-30902	29	15	key	key	ADJ
cjfa-30902	29	16	factors	factor	NOUN
cjfa-30902	29	17	that	that	PRON
cjfa-30902	29	18	may	may	AUX
cjfa-30902	29	19	influence	influence	VERB
cjfa-30902	29	20	banks	bank	NOUN
cjfa-30902	29	21	’	'	PUNCT
cjfa-30902	29	22	performance	performance	NOUN
cjfa-30902	29	23	,	,	PUNCT
cjfa-30902	29	24	including	include	VERB
cjfa-30902	29	25	the	the	DET
cjfa-30902	29	26	adequacy	adequacy	NOUN
cjfa-30902	29	27	of	of	ADP
cjfa-30902	29	28	financial	financial	ADJ
cjfa-30902	29	29	innovations	innovation	NOUN
cjfa-30902	29	30	choices	choice	NOUN
cjfa-30902	29	31	in	in	ADP
cjfa-30902	29	32	relation	relation	NOUN
cjfa-30902	29	33	to	to	PART
cjfa-30902	29	34	risk	risk	NOUN
cjfa-30902	29	35	management	management	NOUN
cjfa-30902	29	36	,	,	PUNCT
cjfa-30902	29	37	and	and	CCONJ
cjfa-30902	29	38	the	the	DET
cjfa-30902	29	39	question	question	NOUN
cjfa-30902	29	40	of	of	ADP
cjfa-30902	29	41	how	how	SCONJ
cjfa-30902	29	42	this	this	DET
cjfa-30902	29	43	adequacy	adequacy	NOUN
cjfa-30902	29	44	is	be	AUX
cjfa-30902	29	45	handled	handle	VERB
cjfa-30902	29	46	through	through	ADP
cjfa-30902	29	47	banking	banking	NOUN
cjfa-30902	29	48	governance	governance	NOUN
cjfa-30902	29	49	.	.	PUNCT
cjfa-30902	30	1	financial	financial	ADJ
cjfa-30902	30	2	innovation	innovation	NOUN
cjfa-30902	30	3	,	,	PUNCT
cjfa-30902	30	4	risk	risk	NOUN
cjfa-30902	30	5	management	management	NOUN
cjfa-30902	30	6	,	,	PUNCT
cjfa-30902	30	7	and	and	CCONJ
cjfa-30902	30	8	bank	bank	NOUN
cjfa-30902	30	9	performance	performance	NOUN
cjfa-30902	30	10	79	79	NUM
cjfa-30902	30	11	like	like	ADP
cjfa-30902	30	12	the	the	DET
cjfa-30902	30	13	innovation	innovation	NOUN
cjfa-30902	30	14	in	in	ADP
cjfa-30902	30	15	the	the	DET
cjfa-30902	30	16	industrial	industrial	ADJ
cjfa-30902	30	17	sector	sector	NOUN
cjfa-30902	30	18	,	,	PUNCT
cjfa-30902	30	19	the	the	DET
cjfa-30902	30	20	financial	financial	ADJ
cjfa-30902	30	21	innovation	innovation	NOUN
cjfa-30902	30	22	is	be	AUX
cjfa-30902	30	23	characterized	characterize	VERB
cjfa-30902	30	24	by	by	ADP
cjfa-30902	30	25	high	high	ADJ
cjfa-30902	30	26	risk	risk	NOUN
cjfa-30902	30	27	,	,	PUNCT
cjfa-30902	30	28	costly	costly	ADJ
cjfa-30902	30	29	investment	investment	NOUN
cjfa-30902	30	30	,	,	PUNCT
cjfa-30902	30	31	specific	specific	ADJ
cjfa-30902	30	32	asset	asset	NOUN
cjfa-30902	30	33	to	to	ADP
cjfa-30902	30	34	the	the	DET
cjfa-30902	30	35	firm	firm	NOUN
cjfa-30902	30	36	,	,	PUNCT
cjfa-30902	30	37	and	and	CCONJ
cjfa-30902	30	38	longhorizon	longhorizon	PROPN
cjfa-30902	30	39	return	return	NOUN
cjfa-30902	30	40	(	(	PUNCT
cjfa-30902	30	41	zouari	zouari	PROPN
cjfa-30902	30	42	&	&	CCONJ
cjfa-30902	30	43	zouari	zouari	PROPN
cjfa-30902	30	44	-	-	PUNCT
cjfa-30902	30	45	hadiji	hadiji	ADJ
cjfa-30902	30	46	,	,	PUNCT
cjfa-30902	30	47	2014a	2014a	NUM
cjfa-30902	30	48	;	;	PUNCT
cjfa-30902	30	49	2014b	2014b	NUM
cjfa-30902	30	50	)	)	PUNCT
cjfa-30902	30	51	.	.	PUNCT
cjfa-30902	31	1	these	these	DET
cjfa-30902	31	2	characteristics	characteristic	NOUN
cjfa-30902	31	3	represent	represent	VERB
cjfa-30902	31	4	the	the	DET
cjfa-30902	31	5	factors	factor	NOUN
cjfa-30902	31	6	bringing	bring	VERB
cjfa-30902	31	7	about	about	ADP
cjfa-30902	31	8	agency	agency	NOUN
cjfa-30902	31	9	conflicts	conflict	NOUN
cjfa-30902	31	10	between	between	ADP
cjfa-30902	31	11	shareholders	shareholder	NOUN
cjfa-30902	31	12	and	and	CCONJ
cjfa-30902	31	13	stakeholders	stakeholder	NOUN
cjfa-30902	31	14	,	,	PUNCT
cjfa-30902	31	15	on	on	ADP
cjfa-30902	31	16	the	the	DET
cjfa-30902	31	17	one	one	NUM
cjfa-30902	31	18	hand	hand	NOUN
cjfa-30902	31	19	,	,	PUNCT
cjfa-30902	31	20	and	and	CCONJ
cjfa-30902	31	21	the	the	DET
cjfa-30902	31	22	opportunistic	opportunistic	ADJ
cjfa-30902	31	23	behavior	behavior	NOUN
cjfa-30902	31	24	of	of	ADP
cjfa-30902	31	25	managers	manager	NOUN
cjfa-30902	31	26	for	for	ADP
cjfa-30902	31	27	the	the	DET
cjfa-30902	31	28	purpose	purpose	NOUN
cjfa-30902	31	29	of	of	ADP
cjfa-30902	31	30	maximizing	maximize	VERB
cjfa-30902	31	31	their	their	PRON
cjfa-30902	31	32	wealth	wealth	NOUN
cjfa-30902	31	33	at	at	ADP
cjfa-30902	31	34	the	the	DET
cjfa-30902	31	35	expense	expense	NOUN
cjfa-30902	31	36	of	of	ADP
cjfa-30902	31	37	stakeholders	stakeholder	NOUN
cjfa-30902	31	38	,	,	PUNCT
cjfa-30902	31	39	on	on	ADP
cjfa-30902	31	40	the	the	DET
cjfa-30902	31	41	other	other	ADJ
cjfa-30902	31	42	hand	hand	NOUN
cjfa-30902	31	43	.	.	PUNCT
cjfa-30902	32	1	according	accord	VERB
cjfa-30902	32	2	to	to	ADP
cjfa-30902	32	3	the	the	DET
cjfa-30902	32	4	agency	agency	NOUN
cjfa-30902	32	5	theory	theory	NOUN
cjfa-30902	32	6	,	,	PUNCT
cjfa-30902	32	7	managers	manager	NOUN
cjfa-30902	32	8	are	be	AUX
cjfa-30902	32	9	risk	risk	NOUN
cjfa-30902	32	10	averse	averse	ADJ
cjfa-30902	32	11	and	and	CCONJ
cjfa-30902	32	12	innovation	innovation	NOUN
cjfa-30902	32	13	activity	activity	NOUN
cjfa-30902	32	14	(	(	PUNCT
cjfa-30902	32	15	minetti	minetti	NOUN
cjfa-30902	32	16	,	,	PUNCT
cjfa-30902	32	17	murro	murro	PROPN
cjfa-30902	32	18	&	&	CCONJ
cjfa-30902	32	19	paiella	paiella	PROPN
cjfa-30902	32	20	,	,	PUNCT
cjfa-30902	32	21	2015	2015	NUM
cjfa-30902	32	22	)	)	PUNCT
cjfa-30902	32	23	whereas	whereas	SCONJ
cjfa-30902	32	24	the	the	DET
cjfa-30902	32	25	shareholders	shareholder	NOUN
cjfa-30902	32	26	facilitate	facilitate	VERB
cjfa-30902	32	27	the	the	DET
cjfa-30902	32	28	innovation	innovation	NOUN
cjfa-30902	32	29	activity	activity	NOUN
cjfa-30902	32	30	in	in	ADP
cjfa-30902	32	31	order	order	NOUN
cjfa-30902	32	32	to	to	PART
cjfa-30902	32	33	increase	increase	VERB
cjfa-30902	32	34	company	company	NOUN
cjfa-30902	32	35	stability	stability	NOUN
cjfa-30902	32	36	,	,	PUNCT
cjfa-30902	32	37	and	and	CCONJ
cjfa-30902	32	38	to	to	PART
cjfa-30902	32	39	generate	generate	VERB
cjfa-30902	32	40	value	value	NOUN
cjfa-30902	32	41	(	(	PUNCT
cjfa-30902	32	42	asensio	asensio	NOUN
cjfa-30902	32	43	-	-	PUNCT
cjfa-30902	32	44	lópez	lópez	NOUN
cjfa-30902	32	45	,	,	PUNCT
cjfa-30902	32	46	cabeza	cabeza	NOUN
cjfa-30902	32	47	-	-	PUNCT
cjfa-30902	32	48	garcía	garcía	PROPN
cjfa-30902	32	49	&	&	CCONJ
cjfa-30902	32	50	gonzález	gonzález	PROPN
cjfa-30902	32	51	-	-	PUNCT
cjfa-30902	32	52	álvarez	álvarez	NOUN
cjfa-30902	32	53	,	,	PUNCT
cjfa-30902	32	54	2019	2019	NUM
cjfa-30902	32	55	)	)	PUNCT
cjfa-30902	32	56	.	.	PUNCT
cjfa-30902	33	1	owing	owe	VERB
cjfa-30902	33	2	to	to	ADP
cjfa-30902	33	3	the	the	DET
cjfa-30902	33	4	interest	interest	NOUN
cjfa-30902	33	5	conflict	conflict	NOUN
cjfa-30902	33	6	and	and	CCONJ
cjfa-30902	33	7	information	information	NOUN
cjfa-30902	33	8	asymmetry	asymmetry	NOUN
cjfa-30902	33	9	problems	problem	NOUN
cjfa-30902	33	10	between	between	ADP
cjfa-30902	33	11	managers	manager	NOUN
cjfa-30902	33	12	,	,	PUNCT
cjfa-30902	33	13	shareholders	shareholder	NOUN
cjfa-30902	33	14	and	and	CCONJ
cjfa-30902	33	15	stakeholders	stakeholder	NOUN
cjfa-30902	33	16	,	,	PUNCT
cjfa-30902	33	17	managers	manager	NOUN
cjfa-30902	33	18	will	will	AUX
cjfa-30902	33	19	be	be	AUX
cjfa-30902	33	20	encouraged	encourage	VERB
cjfa-30902	33	21	to	to	PART
cjfa-30902	33	22	take	take	VERB
cjfa-30902	33	23	advantage	advantage	NOUN
cjfa-30902	33	24	of	of	ADP
cjfa-30902	33	25	an	an	DET
cjfa-30902	33	26	opportunistic	opportunistic	ADJ
cjfa-30902	33	27	behavior	behavior	NOUN
cjfa-30902	33	28	.	.	PUNCT
cjfa-30902	34	1	thereby	thereby	ADV
cjfa-30902	34	2	,	,	PUNCT
cjfa-30902	34	3	the	the	DET
cjfa-30902	34	4	manager	manager	NOUN
cjfa-30902	34	5	’s	’s	PART
cjfa-30902	34	6	behavior	behavior	NOUN
cjfa-30902	34	7	toward	toward	ADP
cjfa-30902	34	8	risk	risk	NOUN
cjfa-30902	34	9	and	and	CCONJ
cjfa-30902	34	10	corporate	corporate	ADJ
cjfa-30902	34	11	governance	governance	NOUN
cjfa-30902	34	12	can	can	AUX
cjfa-30902	34	13	affect	affect	VERB
cjfa-30902	34	14	the	the	DET
cjfa-30902	34	15	choice	choice	NOUN
cjfa-30902	34	16	of	of	ADP
cjfa-30902	34	17	innovation	innovation	NOUN
cjfa-30902	34	18	and	and	CCONJ
cjfa-30902	34	19	risk	risk	NOUN
cjfa-30902	34	20	management	management	NOUN
cjfa-30902	34	21	activities	activity	NOUN
cjfa-30902	34	22	.	.	PUNCT
cjfa-30902	35	1	moreover	moreover	ADV
cjfa-30902	35	2	,	,	PUNCT
cjfa-30902	35	3	depending	depend	VERB
cjfa-30902	35	4	on	on	ADP
cjfa-30902	35	5	the	the	DET
cjfa-30902	35	6	transaction	transaction	NOUN
cjfa-30902	35	7	cost	cost	NOUN
cjfa-30902	35	8	theory	theory	NOUN
cjfa-30902	35	9	,	,	PUNCT
cjfa-30902	35	10	williamson	williamson	PROPN
cjfa-30902	35	11	(	(	PUNCT
cjfa-30902	35	12	1985	1985	NUM
cjfa-30902	35	13	)	)	PUNCT
cjfa-30902	35	14	advocates	advocate	VERB
cjfa-30902	35	15	that	that	SCONJ
cjfa-30902	35	16	investing	invest	VERB
cjfa-30902	35	17	in	in	ADP
cjfa-30902	35	18	specialized	specialized	ADJ
cjfa-30902	35	19	assets	asset	NOUN
cjfa-30902	35	20	increases	increase	VERB
cjfa-30902	35	21	the	the	DET
cjfa-30902	35	22	transaction	transaction	NOUN
cjfa-30902	35	23	costs	cost	NOUN
cjfa-30902	35	24	via	via	ADP
cjfa-30902	35	25	providing	provide	VERB
cjfa-30902	35	26	concerns	concern	NOUN
cjfa-30902	35	27	about	about	ADP
cjfa-30902	35	28	exchange	exchange	NOUN
cjfa-30902	35	29	problems	problem	NOUN
cjfa-30902	35	30	such	such	ADJ
cjfa-30902	35	31	as	as	ADP
cjfa-30902	35	32	potential	potential	ADJ
cjfa-30902	35	33	bargaining	bargaining	NOUN
cjfa-30902	35	34	and	and	CCONJ
cjfa-30902	35	35	opportunism	opportunism	NOUN
cjfa-30902	35	36	.	.	PUNCT
cjfa-30902	36	1	thus	thus	ADV
cjfa-30902	36	2	,	,	PUNCT
cjfa-30902	36	3	innovations	innovation	NOUN
cjfa-30902	36	4	spur	spur	VERB
cjfa-30902	36	5	on	on	ADP
cjfa-30902	36	6	risk	risk	NOUN
cjfa-30902	36	7	-	-	PUNCT
cjfa-30902	36	8	taking	taking	NOUN
cjfa-30902	36	9	,	,	PUNCT
cjfa-30902	36	10	generating	generating	NOUN
cjfa-30902	36	11	costs	cost	NOUN
cjfa-30902	36	12	.	.	PUNCT
cjfa-30902	37	1	hence	hence	ADV
cjfa-30902	37	2	,	,	PUNCT
cjfa-30902	37	3	risk	risk	NOUN
cjfa-30902	37	4	management	management	NOUN
cjfa-30902	37	5	is	be	AUX
cjfa-30902	37	6	necessary	necessary	ADJ
cjfa-30902	37	7	to	to	PART
cjfa-30902	37	8	reduce	reduce	VERB
cjfa-30902	37	9	these	these	DET
cjfa-30902	37	10	costs	cost	NOUN
cjfa-30902	37	11	and	and	CCONJ
cjfa-30902	37	12	control	control	NOUN
cjfa-30902	37	13	risks	risk	NOUN
cjfa-30902	37	14	.	.	PUNCT
cjfa-30902	38	1	for	for	ADP
cjfa-30902	38	2	the	the	DET
cjfa-30902	38	3	reasons	reason	NOUN
cjfa-30902	38	4	mentioned	mention	VERB
cjfa-30902	38	5	above	above	ADV
cjfa-30902	38	6	,	,	PUNCT
cjfa-30902	38	7	our	our	PRON
cjfa-30902	38	8	study	study	NOUN
cjfa-30902	38	9	aims	aim	VERB
cjfa-30902	38	10	to	to	PART
cjfa-30902	38	11	scrutinize	scrutinize	VERB
cjfa-30902	38	12	the	the	DET
cjfa-30902	38	13	effect	effect	NOUN
cjfa-30902	38	14	of	of	ADP
cjfa-30902	38	15	financial	financial	ADJ
cjfa-30902	38	16	innovation	innovation	NOUN
cjfa-30902	38	17	on	on	ADP
cjfa-30902	38	18	risk	risk	NOUN
cjfa-30902	38	19	management	management	NOUN
cjfa-30902	38	20	and	and	CCONJ
cjfa-30902	38	21	bank	bank	NOUN
cjfa-30902	38	22	performance	performance	NOUN
cjfa-30902	38	23	.	.	PUNCT
cjfa-30902	39	1	the	the	DET
cjfa-30902	39	2	rest	rest	NOUN
cjfa-30902	39	3	of	of	ADP
cjfa-30902	39	4	the	the	DET
cjfa-30902	39	5	paper	paper	NOUN
cjfa-30902	39	6	is	be	AUX
cjfa-30902	39	7	structured	structure	VERB
cjfa-30902	39	8	as	as	SCONJ
cjfa-30902	39	9	follows	follow	VERB
cjfa-30902	39	10	.	.	PUNCT
cjfa-30902	40	1	the	the	DET
cjfa-30902	40	2	next	next	ADJ
cjfa-30902	40	3	section	section	NOUN
cjfa-30902	40	4	deals	deal	VERB
cjfa-30902	40	5	with	with	ADP
cjfa-30902	40	6	a	a	DET
cjfa-30902	40	7	literature	literature	NOUN
cjfa-30902	40	8	review	review	NOUN
cjfa-30902	40	9	and	and	CCONJ
cjfa-30902	40	10	hypothesis	hypothesis	NOUN
cjfa-30902	40	11	development	development	NOUN
cjfa-30902	40	12	.	.	PUNCT
cjfa-30902	41	1	the	the	DET
cjfa-30902	41	2	subsequent	subsequent	ADJ
cjfa-30902	41	3	section	section	NOUN
cjfa-30902	41	4	covers	cover	VERB
cjfa-30902	41	5	the	the	DET
cjfa-30902	41	6	methodology	methodology	NOUN
cjfa-30902	41	7	while	while	SCONJ
cjfa-30902	41	8	the	the	DET
cjfa-30902	41	9	fourth	fourth	ADJ
cjfa-30902	41	10	one	one	NOUN
cjfa-30902	41	11	presents	present	VERB
cjfa-30902	41	12	the	the	DET
cjfa-30902	41	13	analyses	analysis	NOUN
cjfa-30902	41	14	.	.	PUNCT
cjfa-30902	42	1	the	the	DET
cjfa-30902	42	2	fifth	fifth	ADJ
cjfa-30902	42	3	section	section	NOUN
cjfa-30902	42	4	is	be	AUX
cjfa-30902	42	5	about	about	ADP
cjfa-30902	42	6	results	result	NOUN
cjfa-30902	42	7	and	and	CCONJ
cjfa-30902	42	8	discussions	discussion	NOUN
cjfa-30902	42	9	,	,	PUNCT
cjfa-30902	42	10	and	and	CCONJ
cjfa-30902	42	11	the	the	DET
cjfa-30902	42	12	last	last	ADJ
cjfa-30902	42	13	one	one	NOUN
cjfa-30902	42	14	concludes	conclude	VERB
cjfa-30902	42	15	,	,	PUNCT
cjfa-30902	42	16	presents	present	VERB
cjfa-30902	42	17	the	the	DET
cjfa-30902	42	18	limitations	limitation	NOUN
cjfa-30902	42	19	,	,	PUNCT
cjfa-30902	42	20	and	and	CCONJ
cjfa-30902	42	21	outlines	outline	VERB
cjfa-30902	42	22	possible	possible	ADJ
cjfa-30902	42	23	future	future	ADJ
cjfa-30902	42	24	research	research	NOUN
cjfa-30902	42	25	.	.	PUNCT
cjfa-30902	43	1	related	relate	VERB
cjfa-30902	43	2	literature	literature	NOUN
cjfa-30902	43	3	and	and	CCONJ
cjfa-30902	43	4	hypothesis	hypothesis	NOUN
cjfa-30902	43	5	development	development	NOUN
cjfa-30902	43	6	the	the	DET
cjfa-30902	43	7	research	research	NOUN
cjfa-30902	43	8	methodology	methodology	NOUN
cjfa-30902	43	9	and	and	CCONJ
cjfa-30902	43	10	the	the	DET
cjfa-30902	43	11	course	course	NOUN
cjfa-30902	43	12	of	of	ADP
cjfa-30902	43	13	the	the	DET
cjfa-30902	43	14	research	research	NOUN
cjfa-30902	43	15	process	process	NOUN
cjfa-30902	43	16	a	a	DET
cjfa-30902	43	17	conceptual	conceptual	ADJ
cjfa-30902	43	18	model	model	NOUN
cjfa-30902	43	19	for	for	ADP
cjfa-30902	43	20	this	this	DET
cjfa-30902	43	21	study	study	NOUN
cjfa-30902	43	22	is	be	AUX
cjfa-30902	43	23	indicated	indicate	VERB
cjfa-30902	43	24	in	in	ADP
cjfa-30902	43	25	figure	figure	NOUN
cjfa-30902	43	26	1	1	NUM
cjfa-30902	43	27	.	.	PUNCT
cjfa-30902	44	1	our	our	PRON
cjfa-30902	44	2	research	research	NOUN
cjfa-30902	44	3	asserts	assert	VERB
cjfa-30902	44	4	that	that	SCONJ
cjfa-30902	44	5	financial	financial	ADJ
cjfa-30902	44	6	innovation	innovation	NOUN
cjfa-30902	44	7	will	will	AUX
cjfa-30902	44	8	have	have	VERB
cjfa-30902	44	9	an	an	DET
cjfa-30902	44	10	influence	influence	NOUN
cjfa-30902	44	11	on	on	ADP
cjfa-30902	44	12	bank	bank	NOUN
cjfa-30902	44	13	performance	performance	NOUN
cjfa-30902	44	14	.	.	PUNCT
cjfa-30902	45	1	the	the	DET
cjfa-30902	45	2	risk	risk	NOUN
cjfa-30902	45	3	management	management	NOUN
cjfa-30902	45	4	is	be	AUX
cjfa-30902	45	5	shown	show	VERB
cjfa-30902	45	6	as	as	ADP
cjfa-30902	45	7	a	a	DET
cjfa-30902	45	8	prominent	prominent	ADJ
cjfa-30902	45	9	mediator	mediator	NOUN
cjfa-30902	45	10	between	between	ADP
cjfa-30902	45	11	financial	financial	ADJ
cjfa-30902	45	12	innovation	innovation	NOUN
cjfa-30902	45	13	and	and	CCONJ
cjfa-30902	45	14	bank	bank	NOUN
cjfa-30902	45	15	performance	performance	NOUN
cjfa-30902	45	16	.	.	PUNCT
cjfa-30902	46	1	ghazi	ghazi	PROPN
cjfa-30902	46	2	zouari	zouari	PROPN
cjfa-30902	46	3	,	,	PUNCT
cjfa-30902	46	4	imen	iman	NOUN
cjfa-30902	46	5	abdelmalek80	abdelmalek80	VERB
cjfa-30902	46	6	financial	financial	ADJ
cjfa-30902	46	7	innovation	innovation	NOUN
cjfa-30902	46	8	and	and	CCONJ
cjfa-30902	46	9	bank	bank	NOUN
cjfa-30902	46	10	performance	performance	NOUN
cjfa-30902	46	11	the	the	DET
cjfa-30902	46	12	financial	financial	ADJ
cjfa-30902	46	13	innovation	innovation	NOUN
cjfa-30902	46	14	allows	allow	VERB
cjfa-30902	46	15	banks	bank	NOUN
cjfa-30902	46	16	to	to	PART
cjfa-30902	46	17	create	create	VERB
cjfa-30902	46	18	a	a	DET
cjfa-30902	46	19	competitive	competitive	ADJ
cjfa-30902	46	20	advantage	advantage	NOUN
cjfa-30902	46	21	through	through	ADP
cjfa-30902	46	22	cost	cost	NOUN
cjfa-30902	46	23	reduction	reduction	NOUN
cjfa-30902	46	24	with	with	ADP
cjfa-30902	46	25	the	the	DET
cjfa-30902	46	26	aim	aim	NOUN
cjfa-30902	46	27	of	of	ADP
cjfa-30902	46	28	improving	improve	VERB
cjfa-30902	46	29	their	their	PRON
cjfa-30902	46	30	financial	financial	ADJ
cjfa-30902	46	31	performance	performance	NOUN
cjfa-30902	46	32	via	via	ADP
cjfa-30902	46	33	mitigating	mitigate	VERB
cjfa-30902	46	34	risk	risk	NOUN
cjfa-30902	46	35	.	.	PUNCT
cjfa-30902	47	1	innovation	innovation	NOUN
cjfa-30902	47	2	is	be	AUX
cjfa-30902	47	3	so	so	ADV
cjfa-30902	47	4	substantial	substantial	ADJ
cjfa-30902	47	5	that	that	SCONJ
cjfa-30902	47	6	it	it	PRON
cjfa-30902	47	7	contributes	contribute	VERB
cjfa-30902	47	8	to	to	ADP
cjfa-30902	47	9	the	the	DET
cjfa-30902	47	10	economic	economic	ADJ
cjfa-30902	47	11	growth	growth	NOUN
cjfa-30902	47	12	and	and	CCONJ
cjfa-30902	47	13	stability	stability	NOUN
cjfa-30902	47	14	of	of	ADP
cjfa-30902	47	15	financial	financial	ADJ
cjfa-30902	47	16	system	system	NOUN
cjfa-30902	47	17	(	(	PUNCT
cjfa-30902	47	18	lerner	lerner	PROPN
cjfa-30902	47	19	&	&	CCONJ
cjfa-30902	47	20	tufano	tufano	PROPN
cjfa-30902	47	21	,	,	PUNCT
cjfa-30902	47	22	2011	2011	NUM
cjfa-30902	47	23	)	)	PUNCT
cjfa-30902	47	24	.	.	PUNCT
cjfa-30902	48	1	specifically	specifically	ADV
cjfa-30902	48	2	,	,	PUNCT
cjfa-30902	48	3	banks	bank	NOUN
cjfa-30902	48	4	improve	improve	VERB
cjfa-30902	48	5	their	their	PRON
cjfa-30902	48	6	quality	quality	NOUN
cjfa-30902	48	7	,	,	PUNCT
cjfa-30902	48	8	and	and	CCONJ
cjfa-30902	48	9	enhance	enhance	VERB
cjfa-30902	48	10	their	their	PRON
cjfa-30902	48	11	performance	performance	NOUN
cjfa-30902	48	12	by	by	ADP
cjfa-30902	48	13	developing	develop	VERB
cjfa-30902	48	14	a	a	DET
cjfa-30902	48	15	financial	financial	ADJ
cjfa-30902	48	16	innovation	innovation	NOUN
cjfa-30902	48	17	.	.	PUNCT
cjfa-30902	49	1	for	for	ADP
cjfa-30902	49	2	instance	instance	NOUN
cjfa-30902	49	3	,	,	PUNCT
cjfa-30902	49	4	they	they	PRON
cjfa-30902	49	5	innovate	innovate	VERB
cjfa-30902	49	6	new	new	ADJ
cjfa-30902	49	7	forms	form	NOUN
cjfa-30902	49	8	of	of	ADP
cjfa-30902	49	9	financial	financial	ADJ
cjfa-30902	49	10	securities	security	NOUN
cjfa-30902	49	11	,	,	PUNCT
cjfa-30902	49	12	new	new	ADJ
cjfa-30902	49	13	forms	form	NOUN
cjfa-30902	49	14	of	of	ADP
cjfa-30902	49	15	mortgage	mortgage	NOUN
cjfa-30902	49	16	lending	lending	NOUN
cjfa-30902	49	17	,	,	PUNCT
cjfa-30902	49	18	new	new	ADJ
cjfa-30902	49	19	means	mean	NOUN
cjfa-30902	49	20	of	of	ADP
cjfa-30902	49	21	processing	processing	NOUN
cjfa-30902	49	22	transactions	transaction	NOUN
cjfa-30902	49	23	,	,	PUNCT
cjfa-30902	49	24	or	or	CCONJ
cjfa-30902	49	25	new	new	ADJ
cjfa-30902	49	26	organizational	organizational	ADJ
cjfa-30902	49	27	forms	form	NOUN
cjfa-30902	49	28	such	such	ADJ
cjfa-30902	49	29	as	as	ADP
cjfa-30902	49	30	internet	internet	NOUN
cjfa-30902	49	31	banks	bank	NOUN
cjfa-30902	49	32	.	.	PUNCT
cjfa-30902	50	1	studying	study	VERB
cjfa-30902	50	2	the	the	DET
cjfa-30902	50	3	diffusion	diffusion	NOUN
cjfa-30902	50	4	of	of	ADP
cjfa-30902	50	5	financial	financial	ADJ
cjfa-30902	50	6	innovation	innovation	NOUN
cjfa-30902	50	7	has	have	AUX
cjfa-30902	50	8	been	be	AUX
cjfa-30902	50	9	linked	link	VERB
cjfa-30902	50	10	to	to	ADP
cjfa-30902	50	11	the	the	DET
cjfa-30902	50	12	speed	speed	NOUN
cjfa-30902	50	13	and	and	CCONJ
cjfa-30902	50	14	pattern	pattern	NOUN
cjfa-30902	50	15	.	.	PUNCT
cjfa-30902	51	1	the	the	DET
cjfa-30902	51	2	diffusion	diffusion	NOUN
cjfa-30902	51	3	of	of	ADP
cjfa-30902	51	4	financial	financial	ADJ
cjfa-30902	51	5	innovation	innovation	NOUN
cjfa-30902	51	6	is	be	AUX
cjfa-30902	51	7	of	of	ADP
cjfa-30902	51	8	great	great	ADJ
cjfa-30902	51	9	value	value	NOUN
cjfa-30902	51	10	for	for	ADP
cjfa-30902	51	11	ensuring	ensure	VERB
cjfa-30902	51	12	corporate	corporate	ADJ
cjfa-30902	51	13	return	return	NOUN
cjfa-30902	51	14	on	on	ADP
cjfa-30902	51	15	investment	investment	NOUN
cjfa-30902	51	16	from	from	ADP
cjfa-30902	51	17	innovation	innovation	NOUN
cjfa-30902	51	18	(	(	PUNCT
cjfa-30902	51	19	khraisha	khraisha	PROPN
cjfa-30902	51	20	&	&	CCONJ
cjfa-30902	51	21	arthur	arthur	PROPN
cjfa-30902	51	22	,	,	PUNCT
cjfa-30902	51	23	2018	2018	NUM
cjfa-30902	51	24	)	)	PUNCT
cjfa-30902	51	25	.	.	PUNCT
cjfa-30902	52	1	de	de	X
cjfa-30902	52	2	young	young	PROPN
cjfa-30902	52	3	,	,	PUNCT
cjfa-30902	52	4	lang	lang	PROPN
cjfa-30902	52	5	and	and	CCONJ
cjfa-30902	52	6	nolle	nolle	PROPN
cjfa-30902	52	7	(	(	PUNCT
cjfa-30902	52	8	2007	2007	NUM
cjfa-30902	52	9	)	)	PUNCT
cjfa-30902	52	10	suggest	suggest	VERB
cjfa-30902	52	11	that	that	SCONJ
cjfa-30902	52	12	internet	internet	NOUN
cjfa-30902	52	13	adoption	adoption	NOUN
cjfa-30902	52	14	makes	make	VERB
cjfa-30902	52	15	the	the	DET
cjfa-30902	52	16	profitability	profitability	NOUN
cjfa-30902	52	17	of	of	ADP
cjfa-30902	52	18	american	american	ADJ
cjfa-30902	52	19	community	community	NOUN
cjfa-30902	52	20	banks	bank	NOUN
cjfa-30902	52	21	better	well	ADV
cjfa-30902	52	22	.	.	PUNCT
cjfa-30902	53	1	ciciretti	ciciretti	PROPN
cjfa-30902	53	2	,	,	PUNCT
cjfa-30902	53	3	hasanand	hasanand	NOUN
cjfa-30902	53	4	and	and	CCONJ
cjfa-30902	53	5	zazzara	zazzara	PROPN
cjfa-30902	53	6	(	(	PUNCT
cjfa-30902	53	7	2009	2009	NUM
cjfa-30902	53	8	)	)	PUNCT
cjfa-30902	53	9	provide	provide	VERB
cjfa-30902	53	10	evidence	evidence	NOUN
cjfa-30902	53	11	of	of	ADP
cjfa-30902	53	12	a	a	DET
cjfa-30902	53	13	significant	significant	ADJ
cjfa-30902	53	14	link	link	NOUN
cjfa-30902	53	15	between	between	ADP
cjfa-30902	53	16	internet	internet	NOUN
cjfa-30902	53	17	banking	banking	NOUN
cjfa-30902	53	18	service	service	NOUN
cjfa-30902	53	19	and	and	CCONJ
cjfa-30902	53	20	bank	bank	NOUN
cjfa-30902	53	21	performance	performance	NOUN
cjfa-30902	53	22	.	.	PUNCT
cjfa-30902	54	1	in	in	ADP
cjfa-30902	54	2	addition	addition	NOUN
cjfa-30902	54	3	,	,	PUNCT
cjfa-30902	54	4	mabrouk	mabrouk	PROPN
cjfa-30902	54	5	and	and	CCONJ
cjfa-30902	54	6	mamoghli	mamoghli	PROPN
cjfa-30902	54	7	(	(	PUNCT
cjfa-30902	54	8	2010	2010	NUM
cjfa-30902	54	9	)	)	PUNCT
cjfa-30902	54	10	point	point	VERB
cjfa-30902	54	11	out	out	ADP
cjfa-30902	54	12	that	that	SCONJ
cjfa-30902	54	13	the	the	DET
cjfa-30902	54	14	primary	primary	ADJ
cjfa-30902	54	15	mover	mover	NOUN
cjfa-30902	54	16	of	of	ADP
cjfa-30902	54	17	product	product	NOUN
cjfa-30902	54	18	innovation	innovation	NOUN
cjfa-30902	54	19	improves	improve	VERB
cjfa-30902	54	20	the	the	DET
cjfa-30902	54	21	bank	bank	NOUN
cjfa-30902	54	22	profitability	profitability	NOUN
cjfa-30902	54	23	,	,	PUNCT
cjfa-30902	54	24	and	and	CCONJ
cjfa-30902	54	25	the	the	DET
cjfa-30902	54	26	primary	primary	ADJ
cjfa-30902	54	27	mover	mover	NOUN
cjfa-30902	54	28	in	in	ADP
cjfa-30902	54	29	process	process	NOUN
cjfa-30902	54	30	innovation	innovation	NOUN
cjfa-30902	54	31	has	have	VERB
cjfa-30902	54	32	a	a	DET
cjfa-30902	54	33	positive	positive	ADJ
cjfa-30902	54	34	effect	effect	NOUN
cjfa-30902	54	35	on	on	ADP
cjfa-30902	54	36	bank	bank	NOUN
cjfa-30902	54	37	profitability	profitability	NOUN
cjfa-30902	54	38	and	and	CCONJ
cjfa-30902	54	39	efficiency	efficiency	NOUN
cjfa-30902	54	40	.	.	PUNCT
cjfa-30902	55	1	mabrouk	mabrouk	PROPN
cjfa-30902	55	2	,	,	PUNCT
cjfa-30902	55	3	dhouibi	dhouibi	NOUN
cjfa-30902	55	4	and	and	CCONJ
cjfa-30902	55	5	rouetbi	rouetbi	VERB
cjfa-30902	55	6	(	(	PUNCT
cjfa-30902	55	7	2016	2016	NUM
cjfa-30902	55	8	)	)	PUNCT
cjfa-30902	55	9	conclude	conclude	VERB
cjfa-30902	55	10	that	that	SCONJ
cjfa-30902	55	11	financial	financial	ADJ
cjfa-30902	55	12	innovation	innovation	NOUN
cjfa-30902	55	13	is	be	AUX
cjfa-30902	55	14	a	a	DET
cjfa-30902	55	15	value	value	NOUN
cjfa-30902	55	16	creation	creation	NOUN
cjfa-30902	55	17	instrument	instrument	NOUN
cjfa-30902	55	18	for	for	ADP
cjfa-30902	55	19	tunisian	tunisian	ADJ
cjfa-30902	55	20	banks	bank	NOUN
cjfa-30902	55	21	.	.	PUNCT
cjfa-30902	56	1	several	several	ADJ
cjfa-30902	56	2	studies	study	NOUN
cjfa-30902	56	3	demonstrate	demonstrate	VERB
cjfa-30902	56	4	as	as	ADV
cjfa-30902	56	5	well	well	ADV
cjfa-30902	56	6	that	that	DET
cjfa-30902	56	7	bank	bank	NOUN
cjfa-30902	56	8	performance	performance	NOUN
cjfa-30902	56	9	increase	increase	NOUN
cjfa-30902	56	10	after	after	ADP
cjfa-30902	56	11	the	the	DET
cjfa-30902	56	12	adoption	adoption	NOUN
cjfa-30902	56	13	of	of	ADP
cjfa-30902	56	14	innovation	innovation	NOUN
cjfa-30902	56	15	(	(	PUNCT
cjfa-30902	56	16	mustapha	mustapha	PROPN
cjfa-30902	56	17	,	,	PUNCT
cjfa-30902	56	18	2018	2018	NUM
cjfa-30902	56	19	;	;	PUNCT
cjfa-30902	56	20	chipeta	chipeta	PROPN
cjfa-30902	56	21	&	&	CCONJ
cjfa-30902	56	22	muthinja	muthinja	NOUN
cjfa-30902	56	23	,	,	PUNCT
cjfa-30902	56	24	2018	2018	NUM
cjfa-30902	56	25	;	;	PUNCT
cjfa-30902	56	26	lotto	lotto	NOUN
cjfa-30902	56	27	,	,	PUNCT
cjfa-30902	56	28	2019	2019	NUM
cjfa-30902	56	29	)	)	PUNCT
cjfa-30902	56	30	.	.	PUNCT
cjfa-30902	57	1	hence	hence	ADV
cjfa-30902	57	2	,	,	PUNCT
cjfa-30902	57	3	this	this	DET
cjfa-30902	57	4	study	study	NOUN
cjfa-30902	57	5	hypothesizes	hypothesize	VERB
cjfa-30902	57	6	the	the	DET
cjfa-30902	57	7	following	following	NOUN
cjfa-30902	57	8	:	:	PUNCT
cjfa-30902	57	9	h1	h1	X
cjfa-30902	57	10	.	.	PUNCT
cjfa-30902	58	1	the	the	DET
cjfa-30902	58	2	financial	financial	ADJ
cjfa-30902	58	3	innovation	innovation	NOUN
cjfa-30902	58	4	has	have	VERB
cjfa-30902	58	5	a	a	DET
cjfa-30902	58	6	positive	positive	ADJ
cjfa-30902	58	7	impact	impact	NOUN
cjfa-30902	58	8	on	on	ADP
cjfa-30902	58	9	the	the	DET
cjfa-30902	58	10	bank	bank	NOUN
cjfa-30902	58	11	performance	performance	NOUN
cjfa-30902	58	12	.	.	PUNCT
cjfa-30902	59	1	financial	financial	ADJ
cjfa-30902	59	2	innovation	innovation	NOUN
cjfa-30902	59	3	and	and	CCONJ
cjfa-30902	59	4	risk	risk	NOUN
cjfa-30902	59	5	management	management	NOUN
cjfa-30902	59	6	financial	financial	ADJ
cjfa-30902	59	7	innovation	innovation	NOUN
cjfa-30902	59	8	is	be	AUX
cjfa-30902	59	9	associated	associate	VERB
cjfa-30902	59	10	with	with	ADP
cjfa-30902	59	11	risks	risk	NOUN
cjfa-30902	59	12	(	(	PUNCT
cjfa-30902	59	13	baiquan	baiquan	PROPN
cjfa-30902	59	14	&	&	CCONJ
cjfa-30902	59	15	kebao	kebao	PROPN
cjfa-30902	59	16	,	,	PUNCT
cjfa-30902	59	17	2010	2010	NUM
cjfa-30902	59	18	)	)	PUNCT
cjfa-30902	59	19	leading	lead	VERB
cjfa-30902	59	20	to	to	ADP
cjfa-30902	59	21	bank	bank	NOUN
cjfa-30902	59	22	fragility	fragility	NOUN
cjfa-30902	59	23	(	(	PUNCT
cjfa-30902	59	24	beck	beck	NOUN
cjfa-30902	59	25	et	et	PROPN
cjfa-30902	59	26	al	al	PROPN
cjfa-30902	59	27	.	.	PROPN
cjfa-30902	59	28	,	,	PUNCT
cjfa-30902	59	29	2016	2016	NUM
cjfa-30902	59	30	)	)	PUNCT
cjfa-30902	59	31	.	.	PUNCT
cjfa-30902	60	1	these	these	DET
cjfa-30902	60	2	risks	risk	NOUN
cjfa-30902	60	3	include	include	VERB
cjfa-30902	60	4	market	market	NOUN
cjfa-30902	60	5	risk	risk	NOUN
cjfa-30902	60	6	,	,	PUNCT
cjfa-30902	60	7	credit	credit	NOUN
cjfa-30902	60	8	risk	risk	NOUN
cjfa-30902	60	9	and	and	CCONJ
cjfa-30902	60	10	operational	operational	ADJ
cjfa-30902	60	11	risk	risk	NOUN
cjfa-30902	60	12	(	(	PUNCT
cjfa-30902	60	13	baiquan	baiquan	PROPN
cjfa-30902	60	14	&	&	CCONJ
cjfa-30902	60	15	kebao	kebao	PROPN
cjfa-30902	60	16	,	,	PUNCT
cjfa-30902	60	17	2010	2010	NUM
cjfa-30902	60	18	)	)	PUNCT
cjfa-30902	60	19	.	.	PUNCT
cjfa-30902	61	1	investment	investment	NOUN
cjfa-30902	61	2	in	in	ADP
cjfa-30902	61	3	financial	financial	ADJ
cjfa-30902	61	4	innovation	innovation	NOUN
cjfa-30902	61	5	reinforces	reinforce	VERB
cjfa-30902	61	6	the	the	DET
cjfa-30902	61	7	financial	financial	ADJ
cjfa-30902	61	8	risk	risk	NOUN
cjfa-30902	61	9	management	management	NOUN
cjfa-30902	61	10	.	.	PUNCT
cjfa-30902	62	1	the	the	DET
cjfa-30902	62	2	risk	risk	NOUN
cjfa-30902	62	3	management	management	NOUN
cjfa-30902	62	4	is	be	AUX
cjfa-30902	62	5	an	an	DET
cjfa-30902	62	6	essential	essential	ADJ
cjfa-30902	62	7	part	part	NOUN
cjfa-30902	62	8	of	of	ADP
cjfa-30902	62	9	the	the	DET
cjfa-30902	62	10	innovation	innovation	NOUN
cjfa-30902	62	11	lifecycle	lifecycle	NOUN
cjfa-30902	62	12	,	,	PUNCT
cjfa-30902	62	13	and	and	CCONJ
cjfa-30902	62	14	it	it	PRON
cjfa-30902	62	15	helps	help	VERB
cjfa-30902	62	16	address	address	VERB
cjfa-30902	62	17	ambiguity	ambiguity	NOUN
cjfa-30902	62	18	and	and	CCONJ
cjfa-30902	62	19	uncertainty	uncertainty	NOUN
cjfa-30902	62	20	.	.	PUNCT
cjfa-30902	63	1	however	however	ADV
cjfa-30902	63	2	,	,	PUNCT
cjfa-30902	63	3	a	a	DET
cjfa-30902	63	4	few	few	ADJ
cjfa-30902	63	5	empirical	empirical	ADJ
cjfa-30902	63	6	studies	study	NOUN
cjfa-30902	63	7	have	have	AUX
cjfa-30902	63	8	tested	test	VERB
cjfa-30902	63	9	the	the	DET
cjfa-30902	63	10	relationship	relationship	NOUN
cjfa-30902	63	11	of	of	ADP
cjfa-30902	63	12	financial	financial	ADJ
cjfa-30902	63	13	innovation	innovation	NOUN
cjfa-30902	63	14	and	and	CCONJ
cjfa-30902	63	15	risk	risk	NOUN
cjfa-30902	63	16	management	management	NOUN
cjfa-30902	63	17	(	(	PUNCT
cjfa-30902	63	18	hu	hu	PROPN
cjfa-30902	63	19	,	,	PUNCT
cjfa-30902	63	20	li	li	PROPN
cjfa-30902	63	21	&	&	CCONJ
cjfa-30902	63	22	deng	deng	PROPN
cjfa-30902	63	23	,	,	PUNCT
cjfa-30902	63	24	2009	2009	NUM
cjfa-30902	63	25	;	;	PUNCT
cjfa-30902	63	26	baiquan	baiquan	PROPN
cjfa-30902	63	27	&	&	CCONJ
cjfa-30902	63	28	ke	ke	PROPN
cjfa-30902	63	29	financial	financial	ADJ
cjfa-30902	63	30	innovation	innovation	NOUN
cjfa-30902	63	31	,	,	PUNCT
cjfa-30902	63	32	risk	risk	NOUN
cjfa-30902	63	33	management	management	NOUN
cjfa-30902	63	34	,	,	PUNCT
cjfa-30902	63	35	and	and	CCONJ
cjfa-30902	63	36	bank	bank	NOUN
cjfa-30902	63	37	performance	performance	NOUN
cjfa-30902	63	38	81	81	NUM
cjfa-30902	63	39	bao	bao	PROPN
cjfa-30902	63	40	,	,	PUNCT
cjfa-30902	63	41	2010	2010	NUM
cjfa-30902	63	42	;	;	PUNCT
cjfa-30902	63	43	gonzález	gonzález	PROPN
cjfa-30902	63	44	,	,	PUNCT
cjfa-30902	63	45	rodríguez	rodríguez	PROPN
cjfa-30902	63	46	gil	gil	PROPN
cjfa-30902	63	47	,	,	PUNCT
cjfa-30902	63	48	cunill	cunill	PROPN
cjfa-30902	63	49	&	&	CCONJ
cjfa-30902	63	50	lindahl	lindahl	PROPN
cjfa-30902	63	51	,	,	PUNCT
cjfa-30902	63	52	2016	2016	NUM
cjfa-30902	63	53	)	)	PUNCT
cjfa-30902	63	54	.	.	PUNCT
cjfa-30902	64	1	philippas	philippas	PROPN
cjfa-30902	64	2	and	and	CCONJ
cjfa-30902	64	3	siriopoulos	siriopoulos	ADV
cjfa-30902	64	4	(	(	PUNCT
cjfa-30902	64	5	2009	2009	NUM
cjfa-30902	64	6	)	)	PUNCT
cjfa-30902	64	7	analyze	analyze	VERB
cjfa-30902	64	8	the	the	DET
cjfa-30902	64	9	relationship	relationship	NOUN
cjfa-30902	64	10	between	between	ADP
cjfa-30902	64	11	financial	financial	ADJ
cjfa-30902	64	12	innovation	innovation	NOUN
cjfa-30902	64	13	(	(	PUNCT
cjfa-30902	64	14	process	process	NOUN
cjfa-30902	64	15	/	/	SYM
cjfa-30902	64	16	organizational	organizational	ADJ
cjfa-30902	64	17	)	)	PUNCT
cjfa-30902	64	18	and	and	CCONJ
cjfa-30902	64	19	operational	operational	ADJ
cjfa-30902	64	20	risk	risk	NOUN
cjfa-30902	64	21	.	.	PUNCT
cjfa-30902	65	1	their	their	PRON
cjfa-30902	65	2	results	result	NOUN
cjfa-30902	65	3	indicate	indicate	VERB
cjfa-30902	65	4	that	that	SCONJ
cjfa-30902	65	5	the	the	DET
cjfa-30902	65	6	speed	speed	NOUN
cjfa-30902	65	7	of	of	ADP
cjfa-30902	65	8	diffusion	diffusion	NOUN
cjfa-30902	65	9	of	of	ADP
cjfa-30902	65	10	financial	financial	ADJ
cjfa-30902	65	11	innovation	innovation	NOUN
cjfa-30902	65	12	increases	increase	VERB
cjfa-30902	65	13	operational	operational	ADJ
cjfa-30902	65	14	risk	risk	NOUN
cjfa-30902	65	15	.	.	PUNCT
cjfa-30902	66	1	gonzález	gonzález	PROPN
cjfa-30902	66	2	et	et	PROPN
cjfa-30902	66	3	al	al	PROPN
cjfa-30902	66	4	.	.	PROPN
cjfa-30902	67	1	(	(	PUNCT
cjfa-30902	67	2	2016	2016	NUM
cjfa-30902	67	3	)	)	PUNCT
cjfa-30902	67	4	add	add	VERB
cjfa-30902	67	5	that	that	SCONJ
cjfa-30902	67	6	securitization	securitization	NOUN
cjfa-30902	67	7	increases	increase	VERB
cjfa-30902	67	8	the	the	DET
cjfa-30902	67	9	overall	overall	ADJ
cjfa-30902	67	10	default	default	NOUN
cjfa-30902	67	11	risk	risk	NOUN
cjfa-30902	67	12	of	of	ADP
cjfa-30902	67	13	european	european	ADJ
cjfa-30902	67	14	financial	financial	ADJ
cjfa-30902	67	15	institutions	institution	NOUN
cjfa-30902	67	16	.	.	PUNCT
cjfa-30902	68	1	the	the	DET
cjfa-30902	68	2	results	result	NOUN
cjfa-30902	68	3	for	for	ADP
cjfa-30902	68	4	study	study	NOUN
cjfa-30902	68	5	of	of	ADP
cjfa-30902	68	6	zia	zia	PROPN
cjfa-30902	68	7	,	,	PUNCT
cjfa-30902	68	8	muhammad	muhammad	PROPN
cjfa-30902	68	9	,	,	PUNCT
cjfa-30902	68	10	sarwar	sarwar	NOUN
cjfa-30902	68	11	and	and	CCONJ
cjfa-30902	68	12	asif	asif	PROPN
cjfa-30902	68	13	raz	raz	PROPN
cjfa-30902	68	14	(	(	PUNCT
cjfa-30902	68	15	2019	2019	NUM
cjfa-30902	68	16	)	)	PUNCT
cjfa-30902	68	17	identified	identify	VERB
cjfa-30902	68	18	four	four	NUM
cjfa-30902	68	19	areas	area	NOUN
cjfa-30902	68	20	of	of	ADP
cjfa-30902	68	21	impact	impact	NOUN
cjfa-30902	68	22	on	on	ADP
cjfa-30902	68	23	credit	credit	NOUN
cjfa-30902	68	24	risk	risk	NOUN
cjfa-30902	68	25	management	management	NOUN
cjfa-30902	68	26	:	:	PUNCT
cjfa-30902	68	27	corporate	corporate	ADJ
cjfa-30902	68	28	governance	governance	NOUN
cjfa-30902	68	29	exerts	exert	VERB
cjfa-30902	68	30	the	the	DET
cjfa-30902	68	31	greatest	great	ADJ
cjfa-30902	68	32	impact	impact	NOUN
cjfa-30902	68	33	,	,	PUNCT
cjfa-30902	68	34	followed	follow	VERB
cjfa-30902	68	35	by	by	ADP
cjfa-30902	68	36	diversification	diversification	NOUN
cjfa-30902	68	37	or	or	CCONJ
cjfa-30902	68	38	innovation	innovation	NOUN
cjfa-30902	68	39	,	,	PUNCT
cjfa-30902	68	40	which	which	PRON
cjfa-30902	68	41	plays	play	VERB
cjfa-30902	68	42	a	a	DET
cjfa-30902	68	43	significant	significant	ADJ
cjfa-30902	68	44	role	role	NOUN
cjfa-30902	68	45	,	,	PUNCT
cjfa-30902	68	46	hedging	hedging	NOUN
cjfa-30902	68	47	and	and	CCONJ
cjfa-30902	68	48	,	,	PUNCT
cjfa-30902	68	49	finally	finally	ADV
cjfa-30902	68	50	,	,	PUNCT
cjfa-30902	68	51	the	the	DET
cjfa-30902	68	52	bank	bank	NOUN
cjfa-30902	68	53	’s	’s	PART
cjfa-30902	68	54	capital	capital	NOUN
cjfa-30902	68	55	adequacy	adequacy	NOUN
cjfa-30902	68	56	ratio	ratio	NOUN
cjfa-30902	68	57	.	.	PUNCT
cjfa-30902	69	1	this	this	DET
cjfa-30902	69	2	study	study	NOUN
cjfa-30902	69	3	highlights	highlight	VERB
cjfa-30902	69	4	these	these	DET
cjfa-30902	69	5	four	four	NUM
cjfa-30902	69	6	risk	risk	NOUN
cjfa-30902	69	7	management	management	NOUN
cjfa-30902	69	8	strategies	strategy	NOUN
cjfa-30902	69	9	,	,	PUNCT
cjfa-30902	69	10	which	which	PRON
cjfa-30902	69	11	are	be	AUX
cjfa-30902	69	12	critical	critical	ADJ
cjfa-30902	69	13	for	for	SCONJ
cjfa-30902	69	14	commercial	commercial	ADJ
cjfa-30902	69	15	banks	bank	NOUN
cjfa-30902	69	16	to	to	PART
cjfa-30902	69	17	resolve	resolve	VERB
cjfa-30902	69	18	their	their	PRON
cjfa-30902	69	19	credit	credit	NOUN
cjfa-30902	69	20	risk	risk	NOUN
cjfa-30902	69	21	.	.	PUNCT
cjfa-30902	70	1	mabrouk	mabrouk	PROPN
cjfa-30902	70	2	et	et	PROPN
cjfa-30902	70	3	al	al	PROPN
cjfa-30902	70	4	.	.	PUNCT
cjfa-30902	71	1	(	(	PUNCT
cjfa-30902	71	2	2016	2016	NUM
cjfa-30902	71	3	)	)	PUNCT
cjfa-30902	71	4	show	show	VERB
cjfa-30902	71	5	that	that	SCONJ
cjfa-30902	71	6	there	there	PRON
cjfa-30902	71	7	is	be	VERB
cjfa-30902	71	8	a	a	DET
cjfa-30902	71	9	significant	significant	ADJ
cjfa-30902	71	10	direct	direct	ADJ
cjfa-30902	71	11	effect	effect	NOUN
cjfa-30902	71	12	of	of	ADP
cjfa-30902	71	13	each	each	DET
cjfa-30902	71	14	innovation	innovation	NOUN
cjfa-30902	71	15	type	type	NOUN
cjfa-30902	71	16	(	(	PUNCT
cjfa-30902	71	17	process	process	NOUN
cjfa-30902	71	18	/	/	SYM
cjfa-30902	71	19	product	product	NOUN
cjfa-30902	71	20	)	)	PUNCT
cjfa-30902	71	21	on	on	ADP
cjfa-30902	71	22	credit	credit	NOUN
cjfa-30902	71	23	risk	risk	NOUN
cjfa-30902	71	24	,	,	PUNCT
cjfa-30902	71	25	adopting	adopt	VERB
cjfa-30902	71	26	that	that	DET
cjfa-30902	71	27	product	product	NOUN
cjfa-30902	71	28	innovation	innovation	NOUN
cjfa-30902	71	29	has	have	AUX
cjfa-30902	71	30	increased	increase	VERB
cjfa-30902	71	31	the	the	DET
cjfa-30902	71	32	volume	volume	NOUN
cjfa-30902	71	33	of	of	ADP
cjfa-30902	71	34	non	non	ADJ
cjfa-30902	71	35	-	-	ADJ
cjfa-30902	71	36	performing	performing	ADJ
cjfa-30902	71	37	loans	loan	NOUN
cjfa-30902	71	38	of	of	ADP
cjfa-30902	71	39	tunisian	tunisian	ADJ
cjfa-30902	71	40	banks	bank	NOUN
cjfa-30902	71	41	.	.	PUNCT
cjfa-30902	72	1	therefore	therefore	ADV
cjfa-30902	72	2	,	,	PUNCT
cjfa-30902	72	3	we	we	PRON
cjfa-30902	72	4	posit	posit	VERB
cjfa-30902	72	5	the	the	DET
cjfa-30902	72	6	hypothesis	hypothesis	NOUN
cjfa-30902	72	7	as	as	SCONJ
cjfa-30902	72	8	follows	follow	VERB
cjfa-30902	72	9	:	:	PUNCT
cjfa-30902	72	10	h2	h2	NOUN
cjfa-30902	72	11	.	.	PUNCT
cjfa-30902	73	1	the	the	DET
cjfa-30902	73	2	financial	financial	ADJ
cjfa-30902	73	3	innovation	innovation	NOUN
cjfa-30902	73	4	has	have	VERB
cjfa-30902	73	5	a	a	DET
cjfa-30902	73	6	positive	positive	ADJ
cjfa-30902	73	7	impact	impact	NOUN
cjfa-30902	73	8	on	on	ADP
cjfa-30902	73	9	the	the	DET
cjfa-30902	73	10	risk	risk	NOUN
cjfa-30902	73	11	management	management	NOUN
cjfa-30902	73	12	.	.	PUNCT
cjfa-30902	74	1	risk	risk	NOUN
cjfa-30902	74	2	management	management	NOUN
cjfa-30902	74	3	and	and	CCONJ
cjfa-30902	74	4	bank	bank	NOUN
cjfa-30902	74	5	performance	performance	NOUN
cjfa-30902	74	6	the	the	DET
cjfa-30902	74	7	traditional	traditional	ADJ
cjfa-30902	74	8	role	role	NOUN
cjfa-30902	74	9	of	of	ADP
cjfa-30902	74	10	banking	banking	NOUN
cjfa-30902	74	11	intermediation	intermediation	NOUN
cjfa-30902	74	12	is	be	AUX
cjfa-30902	74	13	changing	change	VERB
cjfa-30902	74	14	as	as	SCONJ
cjfa-30902	74	15	the	the	DET
cjfa-30902	74	16	bank	bank	NOUN
cjfa-30902	74	17	is	be	AUX
cjfa-30902	74	18	operating	operate	VERB
cjfa-30902	74	19	in	in	ADP
cjfa-30902	74	20	an	an	DET
cjfa-30902	74	21	uncertain	uncertain	ADJ
cjfa-30902	74	22	financial	financial	ADJ
cjfa-30902	74	23	environment	environment	NOUN
cjfa-30902	74	24	.	.	PUNCT
cjfa-30902	75	1	risk	risk	NOUN
cjfa-30902	75	2	management	management	NOUN
cjfa-30902	75	3	becomes	become	VERB
cjfa-30902	75	4	a	a	DET
cjfa-30902	75	5	relevant	relevant	ADJ
cjfa-30902	75	6	function	function	NOUN
cjfa-30902	75	7	reducing	reduce	VERB
cjfa-30902	75	8	the	the	DET
cjfa-30902	75	9	costs	cost	NOUN
cjfa-30902	75	10	and	and	CCONJ
cjfa-30902	75	11	preventing	prevent	VERB
cjfa-30902	75	12	distortions	distortion	NOUN
cjfa-30902	75	13	in	in	ADP
cjfa-30902	75	14	investment	investment	NOUN
cjfa-30902	75	15	policy	policy	NOUN
cjfa-30902	75	16	(	(	PUNCT
cjfa-30902	75	17	stulz	stulz	ADJ
cjfa-30902	75	18	,	,	PUNCT
cjfa-30902	75	19	2016	2016	NUM
cjfa-30902	75	20	;	;	PUNCT
cjfa-30902	75	21	ellul	ellul	NOUN
cjfa-30902	75	22	,	,	PUNCT
cjfa-30902	75	23	2015	2015	NUM
cjfa-30902	75	24	)	)	PUNCT
cjfa-30902	75	25	.	.	PUNCT
cjfa-30902	76	1	“	"	PUNCT
cjfa-30902	76	2	the	the	DET
cjfa-30902	76	3	risk	risk	NOUN
cjfa-30902	76	4	management	management	NOUN
cjfa-30902	76	5	as	as	ADP
cjfa-30902	76	6	an	an	DET
cjfa-30902	76	7	active	active	ADJ
cjfa-30902	76	8	,	,	PUNCT
cjfa-30902	76	9	strategic	strategic	ADJ
cjfa-30902	76	10	,	,	PUNCT
cjfa-30902	76	11	and	and	CCONJ
cjfa-30902	76	12	integrated	integrated	ADJ
cjfa-30902	76	13	process	process	NOUN
cjfa-30902	76	14	that	that	PRON
cjfa-30902	76	15	encompasses	encompass	VERB
cjfa-30902	76	16	both	both	CCONJ
cjfa-30902	76	17	the	the	DET
cjfa-30902	76	18	measurement	measurement	NOUN
cjfa-30902	76	19	and	and	CCONJ
cjfa-30902	76	20	the	the	DET
cjfa-30902	76	21	mitigation	mitigation	NOUN
cjfa-30902	76	22	of	of	ADP
cjfa-30902	76	23	risk	risk	NOUN
cjfa-30902	76	24	,	,	PUNCT
cjfa-30902	76	25	with	with	ADP
cjfa-30902	76	26	the	the	DET
cjfa-30902	76	27	ultimate	ultimate	ADJ
cjfa-30902	76	28	goal	goal	NOUN
cjfa-30902	76	29	of	of	ADP
cjfa-30902	76	30	maximizing	maximize	VERB
cjfa-30902	76	31	the	the	DET
cjfa-30902	76	32	value	value	NOUN
cjfa-30902	76	33	of	of	ADP
cjfa-30902	76	34	a	a	DET
cjfa-30902	76	35	bank	bank	NOUN
cjfa-30902	76	36	”	"	PUNCT
cjfa-30902	76	37	(	(	PUNCT
cjfa-30902	76	38	coso	coso	NOUN
cjfa-30902	76	39	,	,	PUNCT
cjfa-30902	76	40	2004	2004	NUM
cjfa-30902	76	41	)	)	PUNCT
cjfa-30902	76	42	.	.	PUNCT
cjfa-30902	77	1	in	in	ADP
cjfa-30902	77	2	the	the	DET
cjfa-30902	77	3	institutional	institutional	ADJ
cjfa-30902	77	4	theory	theory	NOUN
cjfa-30902	77	5	framework	framework	NOUN
cjfa-30902	77	6	,	,	PUNCT
cjfa-30902	77	7	stulz	stulz	ADJ
cjfa-30902	77	8	and	and	CCONJ
cjfa-30902	77	9	smith	smith	PROPN
cjfa-30902	77	10	(	(	PUNCT
cjfa-30902	77	11	1985	1985	NUM
cjfa-30902	77	12	)	)	PUNCT
cjfa-30902	77	13	are	be	AUX
cjfa-30902	77	14	the	the	DET
cjfa-30902	77	15	first	first	ADJ
cjfa-30902	77	16	introducing	introduce	VERB
cjfa-30902	77	17	the	the	DET
cjfa-30902	77	18	relevant	relevant	ADJ
cjfa-30902	77	19	role	role	NOUN
cjfa-30902	77	20	of	of	ADP
cjfa-30902	77	21	risk	risk	NOUN
cjfa-30902	77	22	management	management	NOUN
cjfa-30902	77	23	at	at	ADP
cjfa-30902	77	24	the	the	DET
cjfa-30902	77	25	firm	firm	NOUN
cjfa-30902	77	26	,	,	PUNCT
cjfa-30902	77	27	enhancing	enhance	VERB
cjfa-30902	77	28	the	the	DET
cjfa-30902	77	29	firm	firm	ADJ
cjfa-30902	77	30	value	value	NOUN
cjfa-30902	77	31	under	under	ADP
cjfa-30902	77	32	inefficiency	inefficiency	NOUN
cjfa-30902	77	33	of	of	ADP
cjfa-30902	77	34	market	market	NOUN
cjfa-30902	77	35	conditions	condition	NOUN
cjfa-30902	77	36	.	.	PUNCT
cjfa-30902	78	1	the	the	DET
cjfa-30902	78	2	risk	risk	NOUN
cjfa-30902	78	3	management	management	NOUN
cjfa-30902	78	4	decreases	decrease	VERB
cjfa-30902	78	5	the	the	DET
cjfa-30902	78	6	agency	agency	NOUN
cjfa-30902	78	7	cost	cost	NOUN
cjfa-30902	78	8	of	of	ADP
cjfa-30902	78	9	equity	equity	NOUN
cjfa-30902	78	10	or	or	CCONJ
cjfa-30902	78	11	debt	debt	NOUN
cjfa-30902	78	12	,	,	PUNCT
cjfa-30902	78	13	and	and	CCONJ
cjfa-30902	78	14	cost	cost	NOUN
cjfa-30902	78	15	transaction	transaction	NOUN
cjfa-30902	78	16	.	.	PUNCT
cjfa-30902	79	1	additionally	additionally	ADV
cjfa-30902	79	2	,	,	PUNCT
cjfa-30902	79	3	the	the	DET
cjfa-30902	79	4	bank	bank	NOUN
cjfa-30902	79	5	uses	use	VERB
cjfa-30902	79	6	the	the	DET
cjfa-30902	79	7	risk	risk	NOUN
cjfa-30902	79	8	management	management	NOUN
cjfa-30902	79	9	to	to	PART
cjfa-30902	79	10	reduce	reduce	VERB
cjfa-30902	79	11	the	the	DET
cjfa-30902	79	12	cost	cost	NOUN
cjfa-30902	79	13	of	of	ADP
cjfa-30902	79	14	financial	financial	ADJ
cjfa-30902	79	15	distress	distress	NOUN
cjfa-30902	79	16	by	by	ADP
cjfa-30902	79	17	decreasing	decrease	VERB
cjfa-30902	79	18	the	the	DET
cjfa-30902	79	19	default	default	NOUN
cjfa-30902	79	20	probability	probability	NOUN
cjfa-30902	79	21	,	,	PUNCT
cjfa-30902	79	22	and	and	CCONJ
cjfa-30902	79	23	to	to	PART
cjfa-30902	79	24	increase	increase	VERB
cjfa-30902	79	25	the	the	DET
cjfa-30902	79	26	value	value	NOUN
cjfa-30902	79	27	of	of	ADP
cjfa-30902	79	28	firms	firm	NOUN
cjfa-30902	79	29	and	and	CCONJ
cjfa-30902	79	30	shareholders	shareholder	NOUN
cjfa-30902	79	31	.	.	PUNCT
cjfa-30902	80	1	in	in	ADP
cjfa-30902	80	2	the	the	DET
cjfa-30902	80	3	empirical	empirical	ADJ
cjfa-30902	80	4	studies	study	NOUN
cjfa-30902	80	5	,	,	PUNCT
cjfa-30902	80	6	the	the	DET
cjfa-30902	80	7	relationship	relationship	NOUN
cjfa-30902	80	8	between	between	ADP
cjfa-30902	80	9	risk	risk	NOUN
cjfa-30902	80	10	management	management	NOUN
cjfa-30902	80	11	and	and	CCONJ
cjfa-30902	80	12	bank	bank	NOUN
cjfa-30902	80	13	performance	performance	NOUN
cjfa-30902	80	14	is	be	AUX
cjfa-30902	80	15	not	not	PART
cjfa-30902	80	16	usually	usually	ADV
cjfa-30902	80	17	positive	positive	ADJ
cjfa-30902	80	18	.	.	PUNCT
cjfa-30902	81	1	this	this	PRON
cjfa-30902	81	2	is	be	AUX
cjfa-30902	81	3	related	relate	VERB
cjfa-30902	81	4	to	to	ADP
cjfa-30902	81	5	different	different	ADJ
cjfa-30902	81	6	determinants	determinant	NOUN
cjfa-30902	81	7	like	like	ADP
cjfa-30902	81	8	country	country	NOUN
cjfa-30902	81	9	of	of	ADP
cjfa-30902	81	10	studies	study	NOUN
cjfa-30902	81	11	.	.	PUNCT
cjfa-30902	82	1	in	in	ADP
cjfa-30902	82	2	fact	fact	NOUN
cjfa-30902	82	3	,	,	PUNCT
cjfa-30902	82	4	the	the	DET
cjfa-30902	82	5	risk	risk	NOUN
cjfa-30902	82	6	management	management	NOUN
cjfa-30902	82	7	reduces	reduce	VERB
cjfa-30902	82	8	the	the	DET
cjfa-30902	82	9	cost	cost	NOUN
cjfa-30902	82	10	,	,	PUNCT
cjfa-30902	82	11	ghazi	ghazi	PROPN
cjfa-30902	82	12	zouari	zouari	PROPN
cjfa-30902	82	13	,	,	PUNCT
cjfa-30902	82	14	imen	iman	NOUN
cjfa-30902	82	15	abdelmalek82	abdelmalek82	VERB
cjfa-30902	82	16	but	but	CCONJ
cjfa-30902	82	17	does	do	AUX
cjfa-30902	82	18	not	not	PART
cjfa-30902	82	19	guarantee	guarantee	VERB
cjfa-30902	82	20	increase	increase	NOUN
cjfa-30902	82	21	in	in	ADP
cjfa-30902	82	22	the	the	DET
cjfa-30902	82	23	return	return	NOUN
cjfa-30902	82	24	on	on	ADP
cjfa-30902	82	25	equity	equity	NOUN
cjfa-30902	82	26	(	(	PUNCT
cjfa-30902	82	27	olamide	olamide	PROPN
cjfa-30902	82	28	,	,	PUNCT
cjfa-30902	82	29	uwalomwa	uwalomwa	PROPN
cjfa-30902	82	30	&	&	CCONJ
cjfa-30902	82	31	ranti	ranti	NOUN
cjfa-30902	82	32	,	,	PUNCT
cjfa-30902	82	33	2015	2015	NUM
cjfa-30902	82	34	;	;	PUNCT
cjfa-30902	82	35	mendoza	mendoza	PROPN
cjfa-30902	82	36	&	&	CCONJ
cjfa-30902	82	37	rivera	rivera	PROPN
cjfa-30902	82	38	,	,	PUNCT
cjfa-30902	82	39	2017	2017	NUM
cjfa-30902	82	40	)	)	PUNCT
cjfa-30902	82	41	.	.	PUNCT
cjfa-30902	83	1	in	in	ADP
cjfa-30902	83	2	recent	recent	ADJ
cjfa-30902	83	3	studies	study	NOUN
cjfa-30902	83	4	,	,	PUNCT
cjfa-30902	83	5	zgarni	zgarni	NOUN
cjfa-30902	83	6	and	and	CCONJ
cjfa-30902	83	7	hassouna	hassouna	ADJ
cjfa-30902	83	8	(	(	PUNCT
cjfa-30902	83	9	2018	2018	NUM
cjfa-30902	83	10	)	)	PUNCT
cjfa-30902	83	11	have	have	AUX
cjfa-30902	83	12	perceived	perceive	VERB
cjfa-30902	83	13	that	that	SCONJ
cjfa-30902	83	14	prudential	prudential	PROPN
cjfa-30902	83	15	rules	rule	NOUN
cjfa-30902	83	16	measured	measure	VERB
cjfa-30902	83	17	by	by	ADP
cjfa-30902	83	18	the	the	DET
cjfa-30902	83	19	solvency	solvency	NOUN
cjfa-30902	83	20	ratio	ratio	NOUN
cjfa-30902	83	21	and	and	CCONJ
cjfa-30902	83	22	liquidity	liquidity	NOUN
cjfa-30902	83	23	ratio	ratio	NOUN
cjfa-30902	83	24	improve	improve	VERB
cjfa-30902	83	25	the	the	DET
cjfa-30902	83	26	accounting	accounting	NOUN
cjfa-30902	83	27	performance	performance	NOUN
cjfa-30902	83	28	of	of	ADP
cjfa-30902	83	29	tunisian	tunisian	ADJ
cjfa-30902	83	30	banks	bank	NOUN
cjfa-30902	83	31	.	.	PUNCT
cjfa-30902	84	1	on	on	ADP
cjfa-30902	84	2	the	the	DET
cjfa-30902	84	3	other	other	ADJ
cjfa-30902	84	4	hand	hand	NOUN
cjfa-30902	84	5	,	,	PUNCT
cjfa-30902	84	6	recent	recent	ADJ
cjfa-30902	84	7	empirical	empirical	ADJ
cjfa-30902	84	8	contributions	contribution	NOUN
cjfa-30902	84	9	have	have	AUX
cjfa-30902	84	10	given	give	VERB
cjfa-30902	84	11	proof	proof	NOUN
cjfa-30902	84	12	that	that	SCONJ
cjfa-30902	84	13	the	the	DET
cjfa-30902	84	14	bank	bank	NOUN
cjfa-30902	84	15	with	with	ADP
cjfa-30902	84	16	chief	chief	ADJ
cjfa-30902	84	17	risk	risk	NOUN
cjfa-30902	84	18	officer	officer	NOUN
cjfa-30902	84	19	(	(	PUNCT
cjfa-30902	84	20	cro	cro	NOUN
cjfa-30902	84	21	)	)	PUNCT
cjfa-30902	84	22	maintains	maintain	VERB
cjfa-30902	84	23	a	a	DET
cjfa-30902	84	24	positive	positive	ADJ
cjfa-30902	84	25	relationship	relationship	NOUN
cjfa-30902	84	26	with	with	ADP
cjfa-30902	84	27	bank	bank	NOUN
cjfa-30902	84	28	performance	performance	NOUN
cjfa-30902	84	29	and	and	CCONJ
cjfa-30902	84	30	the	the	DET
cjfa-30902	84	31	value	value	NOUN
cjfa-30902	84	32	of	of	ADP
cjfa-30902	84	33	shareholders	shareholder	NOUN
cjfa-30902	84	34	(	(	PUNCT
cjfa-30902	84	35	mcshane	mcshane	PROPN
cjfa-30902	84	36	,	,	PUNCT
cjfa-30902	84	37	nair	nair	PROPN
cjfa-30902	84	38	&	&	CCONJ
cjfa-30902	84	39	rustambekov	rustambekov	PROPN
cjfa-30902	84	40	,	,	PUNCT
cjfa-30902	84	41	2011	2011	NUM
cjfa-30902	84	42	;	;	PUNCT
cjfa-30902	84	43	battaglia	battaglia	PROPN
cjfa-30902	84	44	,	,	PUNCT
cjfa-30902	84	45	fiordelisi	fiordelisi	PROPN
cjfa-30902	84	46	&	&	CCONJ
cjfa-30902	84	47	ricci	ricci	PROPN
cjfa-30902	84	48	,	,	PUNCT
cjfa-30902	84	49	2017	2017	NUM
cjfa-30902	84	50	)	)	PUNCT
cjfa-30902	84	51	.	.	PUNCT
cjfa-30902	85	1	in	in	ADP
cjfa-30902	85	2	the	the	DET
cjfa-30902	85	3	same	same	ADJ
cjfa-30902	85	4	context	context	NOUN
cjfa-30902	85	5	,	,	PUNCT
cjfa-30902	85	6	fatemi	fatemi	PROPN
cjfa-30902	85	7	and	and	CCONJ
cjfa-30902	85	8	fooladi	fooladi	NOUN
cjfa-30902	85	9	(	(	PUNCT
cjfa-30902	85	10	2006	2006	NUM
cjfa-30902	85	11	)	)	PUNCT
cjfa-30902	85	12	note	note	VERB
cjfa-30902	85	13	that	that	SCONJ
cjfa-30902	85	14	effective	effective	ADJ
cjfa-30902	85	15	risk	risk	NOUN
cjfa-30902	85	16	management	management	NOUN
cjfa-30902	85	17	leads	lead	VERB
cjfa-30902	85	18	to	to	ADP
cjfa-30902	85	19	more	more	ADV
cjfa-30902	85	20	balanced	balanced	ADJ
cjfa-30902	85	21	trade	trade	NOUN
cjfa-30902	85	22	-	-	PUNCT
cjfa-30902	85	23	off	off	NOUN
cjfa-30902	85	24	between	between	ADP
cjfa-30902	85	25	risk	risk	NOUN
cjfa-30902	85	26	and	and	CCONJ
cjfa-30902	85	27	reward	reward	NOUN
cjfa-30902	85	28	,	,	PUNCT
cjfa-30902	85	29	to	to	PART
cjfa-30902	85	30	realize	realize	VERB
cjfa-30902	85	31	a	a	DET
cjfa-30902	85	32	better	well	ADJ
cjfa-30902	85	33	position	position	NOUN
cjfa-30902	85	34	in	in	ADP
cjfa-30902	85	35	the	the	DET
cjfa-30902	85	36	future	future	NOUN
cjfa-30902	85	37	.	.	PUNCT
cjfa-30902	86	1	the	the	DET
cjfa-30902	86	2	studies	study	NOUN
cjfa-30902	86	3	of	of	ADP
cjfa-30902	86	4	hosna	hosna	NOUN
cjfa-30902	86	5	,	,	PUNCT
cjfa-30902	86	6	manzura	manzura	NOUN
cjfa-30902	86	7	and	and	CCONJ
cjfa-30902	86	8	juanjuan	juanjuan	PROPN
cjfa-30902	86	9	(	(	PUNCT
cjfa-30902	86	10	2009	2009	NUM
cjfa-30902	86	11	)	)	PUNCT
cjfa-30902	86	12	,	,	PUNCT
cjfa-30902	86	13	toutou	toutou	NOUN
cjfa-30902	86	14	and	and	CCONJ
cjfa-30902	86	15	xiaodong	xiaodong	PROPN
cjfa-30902	86	16	(	(	PUNCT
cjfa-30902	86	17	2011	2011	NUM
cjfa-30902	86	18	)	)	PUNCT
cjfa-30902	86	19	and	and	CCONJ
cjfa-30902	86	20	zeze	zeze	NOUN
cjfa-30902	86	21	(	(	PUNCT
cjfa-30902	86	22	2012	2012	NUM
cjfa-30902	86	23	)	)	PUNCT
cjfa-30902	86	24	found	find	VERB
cjfa-30902	86	25	that	that	PRON
cjfa-30902	86	26	have	have	VERB
cjfa-30902	86	27	a	a	DET
cjfa-30902	86	28	positive	positive	ADJ
cjfa-30902	86	29	correlation	correlation	NOUN
cjfa-30902	86	30	between	between	ADP
cjfa-30902	86	31	the	the	DET
cjfa-30902	86	32	financial	financial	ADJ
cjfa-30902	86	33	risk	risk	NOUN
cjfa-30902	86	34	management	management	NOUN
cjfa-30902	86	35	practices	practice	NOUN
cjfa-30902	86	36	to	to	ADP
cjfa-30902	86	37	the	the	DET
cjfa-30902	86	38	financial	financial	ADJ
cjfa-30902	86	39	performance	performance	NOUN
cjfa-30902	86	40	of	of	ADP
cjfa-30902	86	41	commercial	commercial	ADJ
cjfa-30902	86	42	banks	bank	NOUN
cjfa-30902	86	43	.	.	PUNCT
cjfa-30902	87	1	in	in	ADP
cjfa-30902	87	2	this	this	DET
cjfa-30902	87	3	respect	respect	NOUN
cjfa-30902	87	4	,	,	PUNCT
cjfa-30902	87	5	wanjohi	wanjohi	PROPN
cjfa-30902	87	6	,	,	PUNCT
cjfa-30902	87	7	wanjohi	wanjohi	NOUN
cjfa-30902	87	8	and	and	CCONJ
cjfa-30902	87	9	ndambiri	ndambiri	PROPN
cjfa-30902	87	10	(	(	PUNCT
cjfa-30902	87	11	2017	2017	NUM
cjfa-30902	87	12	)	)	PUNCT
cjfa-30902	87	13	have	have	AUX
cjfa-30902	87	14	discovered	discover	VERB
cjfa-30902	87	15	that	that	SCONJ
cjfa-30902	87	16	an	an	DET
cjfa-30902	87	17	efficient	efficient	ADJ
cjfa-30902	87	18	risk	risk	NOUN
cjfa-30902	87	19	management	management	NOUN
cjfa-30902	87	20	can	can	AUX
cjfa-30902	87	21	help	help	VERB
cjfa-30902	87	22	banks	bank	NOUN
cjfa-30902	87	23	attenuate	attenuate	VERB
cjfa-30902	87	24	their	their	PRON
cjfa-30902	87	25	exposure	exposure	NOUN
cjfa-30902	87	26	to	to	AUX
cjfa-30902	87	27	risk	risk	VERB
cjfa-30902	87	28	and	and	CCONJ
cjfa-30902	87	29	enhance	enhance	VERB
cjfa-30902	87	30	their	their	PRON
cjfa-30902	87	31	market	market	NOUN
cjfa-30902	87	32	competitiveness	competitiveness	NOUN
cjfa-30902	87	33	.	.	PUNCT
cjfa-30902	88	1	moreover	moreover	ADV
cjfa-30902	88	2	,	,	PUNCT
cjfa-30902	88	3	the	the	DET
cjfa-30902	88	4	study	study	NOUN
cjfa-30902	88	5	on	on	ADP
cjfa-30902	88	6	malaysian	malaysian	ADJ
cjfa-30902	88	7	banks	bank	NOUN
cjfa-30902	88	8	by	by	ADP
cjfa-30902	88	9	trofimov	trofimov	PROPN
cjfa-30902	88	10	,	,	PUNCT
cjfa-30902	88	11	aris	aris	PROPN
cjfa-30902	88	12	and	and	CCONJ
cjfa-30902	88	13	ying	ying	PROPN
cjfa-30902	88	14	ying	ying	PROPN
cjfa-30902	88	15	(	(	PUNCT
cjfa-30902	88	16	2018	2018	NUM
cjfa-30902	88	17	)	)	PUNCT
cjfa-30902	88	18	also	also	ADV
cjfa-30902	88	19	shows	show	VERB
cjfa-30902	88	20	that	that	SCONJ
cjfa-30902	88	21	the	the	DET
cjfa-30902	88	22	continuing	continue	VERB
cjfa-30902	88	23	need	need	NOUN
cjfa-30902	88	24	to	to	PART
cjfa-30902	88	25	manage	manage	VERB
cjfa-30902	88	26	credit	credit	NOUN
cjfa-30902	88	27	risk	risk	NOUN
cjfa-30902	88	28	is	be	AUX
cjfa-30902	88	29	among	among	ADP
cjfa-30902	88	30	the	the	DET
cjfa-30902	88	31	most	most	ADV
cjfa-30902	88	32	important	important	ADJ
cjfa-30902	88	33	factors	factor	NOUN
cjfa-30902	88	34	that	that	PRON
cjfa-30902	88	35	explain	explain	VERB
cjfa-30902	88	36	high	high	ADJ
cjfa-30902	88	37	bank	bank	NOUN
cjfa-30902	88	38	profitability	profitability	NOUN
cjfa-30902	88	39	.	.	PUNCT
cjfa-30902	89	1	for	for	ADP
cjfa-30902	89	2	paroush	paroush	NOUN
cjfa-30902	89	3	and	and	CCONJ
cjfa-30902	89	4	schreiber	schreiber	PROPN
cjfa-30902	89	5	(	(	PUNCT
cjfa-30902	89	6	2019	2019	NUM
cjfa-30902	89	7	)	)	PUNCT
cjfa-30902	89	8	,	,	PUNCT
cjfa-30902	89	9	there	there	PRON
cjfa-30902	89	10	are	be	VERB
cjfa-30902	89	11	significant	significant	ADJ
cjfa-30902	89	12	relationship	relationship	NOUN
cjfa-30902	89	13	between	between	ADP
cjfa-30902	89	14	profitability	profitability	NOUN
cjfa-30902	89	15	,	,	PUNCT
cjfa-30902	89	16	capital	capital	NOUN
cjfa-30902	89	17	,	,	PUNCT
cjfa-30902	89	18	and	and	CCONJ
cjfa-30902	89	19	risk	risk	NOUN
cjfa-30902	89	20	of	of	ADP
cjfa-30902	89	21	us	we	PRON
cjfa-30902	89	22	commercial	commercial	ADJ
cjfa-30902	89	23	.	.	PUNCT
cjfa-30902	90	1	furthermore	furthermore	ADV
cjfa-30902	90	2	,	,	PUNCT
cjfa-30902	90	3	lotto	lotto	NOUN
cjfa-30902	90	4	(	(	PUNCT
cjfa-30902	90	5	2019	2019	NUM
cjfa-30902	90	6	)	)	PUNCT
cjfa-30902	90	7	revealed	reveal	VERB
cjfa-30902	90	8	that	that	SCONJ
cjfa-30902	90	9	capital	capital	NOUN
cjfa-30902	90	10	adequacy	adequacy	NOUN
cjfa-30902	90	11	has	have	VERB
cjfa-30902	90	12	a	a	DET
cjfa-30902	90	13	positive	positive	ADJ
cjfa-30902	90	14	relationship	relationship	NOUN
cjfa-30902	90	15	with	with	ADP
cjfa-30902	90	16	bank	bank	NOUN
cjfa-30902	90	17	operating	operating	NOUN
cjfa-30902	90	18	efficiency	efficiency	NOUN
cjfa-30902	90	19	,	,	PUNCT
cjfa-30902	90	20	and	and	CCONJ
cjfa-30902	90	21	reduce	reduce	VERB
cjfa-30902	90	22	the	the	DET
cjfa-30902	90	23	risk	risk	NOUN
cjfa-30902	90	24	of	of	ADP
cjfa-30902	90	25	moral	moral	ADJ
cjfa-30902	90	26	hazard	hazard	NOUN
cjfa-30902	90	27	between	between	ADP
cjfa-30902	90	28	shareholders	shareholder	NOUN
cjfa-30902	90	29	and	and	CCONJ
cjfa-30902	90	30	dets	det	NOUN
cjfa-30902	90	31	-	-	PUNCT
cjfa-30902	90	32	holders	holder	NOUN
cjfa-30902	90	33	.	.	PUNCT
cjfa-30902	91	1	findings	finding	NOUN
cjfa-30902	91	2	of	of	ADP
cjfa-30902	91	3	kiambati	kiambati	PROPN
cjfa-30902	91	4	(	(	PUNCT
cjfa-30902	91	5	2020	2020	NUM
cjfa-30902	91	6	)	)	PUNCT
cjfa-30902	91	7	and	and	CCONJ
cjfa-30902	91	8	sathyamoorthi	sathyamoorthi	PROPN
cjfa-30902	91	9	,	,	PUNCT
cjfa-30902	91	10	mogotsinyana	mogotsinyana	PROPN
cjfa-30902	91	11	,	,	PUNCT
cjfa-30902	91	12	mphoeng	mphoeng	NOUN
cjfa-30902	91	13	and	and	CCONJ
cjfa-30902	91	14	mashoko	mashoko	PROPN
cjfa-30902	91	15	(	(	PUNCT
cjfa-30902	91	16	2020	2020	NUM
cjfa-30902	91	17	)	)	PUNCT
cjfa-30902	91	18	suggest	suggest	VERB
cjfa-30902	91	19	that	that	SCONJ
cjfa-30902	91	20	commercial	commercial	ADJ
cjfa-30902	91	21	banks	bank	NOUN
cjfa-30902	91	22	should	should	AUX
cjfa-30902	91	23	strike	strike	VERB
cjfa-30902	91	24	a	a	DET
cjfa-30902	91	25	proper	proper	ADJ
cjfa-30902	91	26	balance	balance	NOUN
cjfa-30902	91	27	between	between	ADP
cjfa-30902	91	28	financial	financial	ADJ
cjfa-30902	91	29	risk	risk	NOUN
cjfa-30902	91	30	management	management	NOUN
cjfa-30902	91	31	practices	practice	NOUN
cjfa-30902	91	32	and	and	CCONJ
cjfa-30902	91	33	financial	financial	ADJ
cjfa-30902	91	34	performance	performance	NOUN
cjfa-30902	91	35	by	by	ADP
cjfa-30902	91	36	engaging	engage	VERB
cjfa-30902	91	37	in	in	ADP
cjfa-30902	91	38	appropriate	appropriate	ADJ
cjfa-30902	91	39	market	market	NOUN
cjfa-30902	91	40	,	,	PUNCT
cjfa-30902	91	41	credit	credit	NOUN
cjfa-30902	91	42	,	,	PUNCT
cjfa-30902	91	43	and	and	CCONJ
cjfa-30902	91	44	liquidity	liquidity	NOUN
cjfa-30902	91	45	risk	risk	NOUN
cjfa-30902	91	46	management	management	NOUN
cjfa-30902	91	47	practices	practice	NOUN
cjfa-30902	91	48	that	that	PRON
cjfa-30902	91	49	will	will	AUX
cjfa-30902	91	50	ensure	ensure	VERB
cjfa-30902	91	51	safety	safety	NOUN
cjfa-30902	91	52	for	for	ADP
cjfa-30902	91	53	their	their	PRON
cjfa-30902	91	54	banks	bank	NOUN
cjfa-30902	91	55	and	and	CCONJ
cjfa-30902	91	56	yield	yield	VERB
cjfa-30902	91	57	positive	positive	ADJ
cjfa-30902	91	58	profits	profit	NOUN
cjfa-30902	91	59	.	.	PUNCT
cjfa-30902	92	1	consequently	consequently	ADV
cjfa-30902	92	2	,	,	PUNCT
cjfa-30902	92	3	we	we	PRON
cjfa-30902	92	4	present	present	VERB
cjfa-30902	92	5	the	the	DET
cjfa-30902	92	6	following	follow	VERB
cjfa-30902	92	7	hypothesis	hypothesis	NOUN
cjfa-30902	92	8	:	:	PUNCT
cjfa-30902	92	9	h3	h3	VERB
cjfa-30902	92	10	.	.	PUNCT
cjfa-30902	93	1	the	the	DET
cjfa-30902	93	2	risk	risk	NOUN
cjfa-30902	93	3	management	management	NOUN
cjfa-30902	93	4	has	have	VERB
cjfa-30902	93	5	a	a	DET
cjfa-30902	93	6	positive	positive	ADJ
cjfa-30902	93	7	impact	impact	NOUN
cjfa-30902	93	8	on	on	ADP
cjfa-30902	93	9	the	the	DET
cjfa-30902	93	10	bank	bank	NOUN
cjfa-30902	93	11	performance	performance	NOUN
cjfa-30902	93	12	.	.	PUNCT
cjfa-30902	94	1	financial	financial	ADJ
cjfa-30902	94	2	innovation	innovation	NOUN
cjfa-30902	94	3	,	,	PUNCT
cjfa-30902	94	4	risk	risk	NOUN
cjfa-30902	94	5	management	management	NOUN
cjfa-30902	94	6	,	,	PUNCT
cjfa-30902	94	7	and	and	CCONJ
cjfa-30902	94	8	bank	bank	NOUN
cjfa-30902	94	9	performance	performance	NOUN
cjfa-30902	94	10	83	83	NUM
cjfa-30902	94	11	the	the	DET
cjfa-30902	94	12	risk	risk	NOUN
cjfa-30902	94	13	management	management	NOUN
cjfa-30902	94	14	as	as	ADP
cjfa-30902	94	15	a	a	DET
cjfa-30902	94	16	mediator	mediator	NOUN
cjfa-30902	94	17	between	between	ADP
cjfa-30902	94	18	financial	financial	ADJ
cjfa-30902	94	19	innovation	innovation	NOUN
cjfa-30902	94	20	and	and	CCONJ
cjfa-30902	94	21	bank	bank	NOUN
cjfa-30902	94	22	performance	performance	NOUN
cjfa-30902	94	23	the	the	DET
cjfa-30902	94	24	risk	risk	NOUN
cjfa-30902	94	25	management	management	NOUN
cjfa-30902	94	26	is	be	AUX
cjfa-30902	94	27	defined	define	VERB
cjfa-30902	94	28	from	from	ADP
cjfa-30902	94	29	different	different	ADJ
cjfa-30902	94	30	angles	angle	NOUN
cjfa-30902	94	31	as	as	ADP
cjfa-30902	94	32	institutional	institutional	ADJ
cjfa-30902	94	33	,	,	PUNCT
cjfa-30902	94	34	regulatory	regulatory	ADJ
cjfa-30902	94	35	or	or	CCONJ
cjfa-30902	94	36	functional	functional	ADJ
cjfa-30902	94	37	.	.	PUNCT
cjfa-30902	95	1	from	from	ADP
cjfa-30902	95	2	the	the	DET
cjfa-30902	95	3	regulatory	regulatory	ADJ
cjfa-30902	95	4	angle	angle	NOUN
cjfa-30902	95	5	,	,	PUNCT
cjfa-30902	95	6	the	the	DET
cjfa-30902	95	7	risk	risk	NOUN
cjfa-30902	95	8	management	management	NOUN
cjfa-30902	95	9	is	be	AUX
cjfa-30902	95	10	determined	determine	VERB
cjfa-30902	95	11	by	by	ADP
cjfa-30902	95	12	the	the	DET
cjfa-30902	95	13	prudential	prudential	ADJ
cjfa-30902	95	14	rules	rule	NOUN
cjfa-30902	95	15	defined	define	VERB
cjfa-30902	95	16	by	by	ADP
cjfa-30902	95	17	the	the	DET
cjfa-30902	95	18	basel	basel	PROPN
cjfa-30902	95	19	committee	committee	PROPN
cjfa-30902	95	20	.	.	PUNCT
cjfa-30902	96	1	we	we	PRON
cjfa-30902	96	2	will	will	AUX
cjfa-30902	96	3	focus	focus	VERB
cjfa-30902	96	4	on	on	ADP
cjfa-30902	96	5	basel	basel	PROPN
cjfa-30902	96	6	ii	ii	PROPN
cjfa-30902	96	7	/	/	SYM
cjfa-30902	96	8	iii	iii	PROPN
cjfa-30902	96	9	agreements	agreement	NOUN
cjfa-30902	96	10	approved	approve	VERB
cjfa-30902	96	11	by	by	ADP
cjfa-30902	96	12	tunisian	tunisian	ADJ
cjfa-30902	96	13	banks	bank	NOUN
cjfa-30902	96	14	.	.	PUNCT
cjfa-30902	97	1	the	the	DET
cjfa-30902	97	2	complexity	complexity	NOUN
cjfa-30902	97	3	and	and	CCONJ
cjfa-30902	97	4	dynamic	dynamic	NOUN
cjfa-30902	97	5	of	of	ADP
cjfa-30902	97	6	financial	financial	ADJ
cjfa-30902	97	7	innovation	innovation	NOUN
cjfa-30902	97	8	have	have	AUX
cjfa-30902	97	9	raised	raise	VERB
cjfa-30902	97	10	an	an	DET
cjfa-30902	97	11	uncertain	uncertain	ADJ
cjfa-30902	97	12	environment	environment	NOUN
cjfa-30902	97	13	.	.	PUNCT
cjfa-30902	98	1	this	this	DET
cjfa-30902	98	2	uncertainty	uncertainty	NOUN
cjfa-30902	98	3	is	be	AUX
cjfa-30902	98	4	at	at	ADP
cjfa-30902	98	5	the	the	DET
cjfa-30902	98	6	origin	origin	NOUN
cjfa-30902	98	7	of	of	ADP
cjfa-30902	98	8	the	the	DET
cjfa-30902	98	9	bank	bank	NOUN
cjfa-30902	98	10	’s	’s	PART
cjfa-30902	98	11	lack	lack	NOUN
cjfa-30902	98	12	of	of	ADP
cjfa-30902	98	13	understanding	understanding	NOUN
cjfa-30902	98	14	of	of	ADP
cjfa-30902	98	15	the	the	DET
cjfa-30902	98	16	new	new	ADJ
cjfa-30902	98	17	financial	financial	ADJ
cjfa-30902	98	18	products	product	NOUN
cjfa-30902	98	19	,	,	PUNCT
cjfa-30902	98	20	obsolete	obsolete	ADJ
cjfa-30902	98	21	regulations	regulation	NOUN
cjfa-30902	98	22	and	and	CCONJ
cjfa-30902	98	23	excessive	excessive	ADJ
cjfa-30902	98	24	risk	risk	NOUN
cjfa-30902	98	25	-	-	PUNCT
cjfa-30902	98	26	taking	taking	NOUN
cjfa-30902	98	27	.	.	PUNCT
cjfa-30902	99	1	several	several	ADJ
cjfa-30902	99	2	research	research	NOUN
cjfa-30902	99	3	studies	study	NOUN
cjfa-30902	99	4	show	show	VERB
cjfa-30902	99	5	that	that	SCONJ
cjfa-30902	99	6	the	the	DET
cjfa-30902	99	7	financial	financial	ADJ
cjfa-30902	99	8	innovation	innovation	NOUN
cjfa-30902	99	9	is	be	AUX
cjfa-30902	99	10	associated	associate	VERB
cjfa-30902	99	11	with	with	ADP
cjfa-30902	99	12	high	high	ADJ
cjfa-30902	99	13	risk	risk	NOUN
cjfa-30902	99	14	and	and	CCONJ
cjfa-30902	99	15	contributed	contribute	VERB
cjfa-30902	99	16	to	to	ADP
cjfa-30902	99	17	the	the	DET
cjfa-30902	99	18	fragility	fragility	NOUN
cjfa-30902	99	19	of	of	ADP
cjfa-30902	99	20	banks	bank	NOUN
cjfa-30902	99	21	.	.	PUNCT
cjfa-30902	100	1	according	accord	VERB
cjfa-30902	100	2	to	to	ADP
cjfa-30902	100	3	the	the	DET
cjfa-30902	100	4	study	study	NOUN
cjfa-30902	100	5	of	of	ADP
cjfa-30902	100	6	philippas	philippa	NOUN
cjfa-30902	100	7	and	and	CCONJ
cjfa-30902	100	8	siriopoulos	siriopoulos	ADV
cjfa-30902	100	9	(	(	PUNCT
cjfa-30902	100	10	2009	2009	NUM
cjfa-30902	100	11	)	)	PUNCT
cjfa-30902	100	12	,	,	PUNCT
cjfa-30902	100	13	the	the	DET
cjfa-30902	100	14	diffusion	diffusion	NOUN
cjfa-30902	100	15	of	of	ADP
cjfa-30902	100	16	financial	financial	ADJ
cjfa-30902	100	17	innovation	innovation	NOUN
cjfa-30902	100	18	raises	raise	VERB
cjfa-30902	100	19	the	the	DET
cjfa-30902	100	20	operational	operational	ADJ
cjfa-30902	100	21	risk	risk	NOUN
cjfa-30902	100	22	.	.	PUNCT
cjfa-30902	101	1	hu	hu	PROPN
cjfa-30902	101	2	and	and	CCONJ
cjfa-30902	101	3	xie	xie	PROPN
cjfa-30902	101	4	(	(	PUNCT
cjfa-30902	101	5	2016	2016	NUM
cjfa-30902	101	6	)	)	PUNCT
cjfa-30902	101	7	evince	evince	NOUN
cjfa-30902	101	8	that	that	SCONJ
cjfa-30902	101	9	innovation	innovation	NOUN
cjfa-30902	101	10	positively	positively	ADV
cjfa-30902	101	11	affects	affect	VERB
cjfa-30902	101	12	bank	bank	NOUN
cjfa-30902	101	13	risk	risk	NOUN
cjfa-30902	101	14	-	-	PUNCT
cjfa-30902	101	15	taking	taking	NOUN
cjfa-30902	101	16	.	.	PUNCT
cjfa-30902	102	1	in	in	ADP
cjfa-30902	102	2	line	line	NOUN
cjfa-30902	102	3	with	with	ADP
cjfa-30902	102	4	these	these	DET
cjfa-30902	102	5	ideas	idea	NOUN
cjfa-30902	102	6	,	,	PUNCT
cjfa-30902	102	7	wang	wang	PROPN
cjfa-30902	102	8	(	(	PUNCT
cjfa-30902	102	9	2014	2014	NUM
cjfa-30902	102	10	)	)	PUNCT
cjfa-30902	102	11	argues	argue	VERB
cjfa-30902	102	12	that	that	SCONJ
cjfa-30902	102	13	the	the	DET
cjfa-30902	102	14	financial	financial	ADJ
cjfa-30902	102	15	innovation	innovation	NOUN
cjfa-30902	102	16	decreases	decrease	VERB
cjfa-30902	102	17	the	the	DET
cjfa-30902	102	18	bank	bank	NOUN
cjfa-30902	102	19	value	value	NOUN
cjfa-30902	102	20	.	.	PUNCT
cjfa-30902	103	1	similarly	similarly	ADV
cjfa-30902	103	2	,	,	PUNCT
cjfa-30902	103	3	chen	chen	PROPN
cjfa-30902	103	4	and	and	CCONJ
cjfa-30902	103	5	peng	peng	PROPN
cjfa-30902	103	6	(	(	PUNCT
cjfa-30902	103	7	2019	2019	NUM
cjfa-30902	103	8	)	)	PUNCT
cjfa-30902	103	9	argue	argue	VERB
cjfa-30902	103	10	that	that	SCONJ
cjfa-30902	103	11	financial	financial	ADJ
cjfa-30902	103	12	innovation	innovation	NOUN
cjfa-30902	103	13	increase	increase	NOUN
cjfa-30902	103	14	banks	bank	NOUN
cjfa-30902	103	15	’	'	PUNCT
cjfa-30902	103	16	liquidity	liquidity	NOUN
cjfa-30902	103	17	risk	risk	NOUN
cjfa-30902	103	18	.	.	PUNCT
cjfa-30902	104	1	they	they	PRON
cjfa-30902	104	2	conclude	conclude	VERB
cjfa-30902	104	3	that	that	SCONJ
cjfa-30902	104	4	banks	bank	NOUN
cjfa-30902	104	5	should	should	AUX
cjfa-30902	104	6	ensure	ensure	VERB
cjfa-30902	104	7	an	an	DET
cjfa-30902	104	8	appropriate	appropriate	ADJ
cjfa-30902	104	9	management	management	NOUN
cjfa-30902	104	10	of	of	ADP
cjfa-30902	104	11	financial	financial	ADJ
cjfa-30902	104	12	innovation	innovation	NOUN
cjfa-30902	104	13	to	to	PART
cjfa-30902	104	14	improve	improve	VERB
cjfa-30902	104	15	their	their	PRON
cjfa-30902	104	16	performance	performance	NOUN
cjfa-30902	104	17	.	.	PUNCT
cjfa-30902	105	1	in	in	ADP
cjfa-30902	105	2	other	other	ADJ
cjfa-30902	105	3	words	word	NOUN
cjfa-30902	105	4	,	,	PUNCT
cjfa-30902	105	5	the	the	DET
cjfa-30902	105	6	bank	bank	NOUN
cjfa-30902	105	7	should	should	AUX
cjfa-30902	105	8	monitor	monitor	VERB
cjfa-30902	105	9	these	these	DET
cjfa-30902	105	10	risks	risk	NOUN
cjfa-30902	105	11	correlated	correlate	VERB
cjfa-30902	105	12	with	with	ADP
cjfa-30902	105	13	the	the	DET
cjfa-30902	105	14	conflicts	conflict	NOUN
cjfa-30902	105	15	of	of	ADP
cjfa-30902	105	16	interest	interest	NOUN
cjfa-30902	105	17	between	between	ADP
cjfa-30902	105	18	shareholders	shareholder	NOUN
cjfa-30902	105	19	and	and	CCONJ
cjfa-30902	105	20	stakeholders	stakeholder	NOUN
cjfa-30902	105	21	,	,	PUNCT
cjfa-30902	105	22	and	and	CCONJ
cjfa-30902	105	23	the	the	DET
cjfa-30902	105	24	opportunistic	opportunistic	ADJ
cjfa-30902	105	25	behavior	behavior	NOUN
cjfa-30902	105	26	of	of	ADP
cjfa-30902	105	27	agents	agent	NOUN
cjfa-30902	105	28	that	that	PRON
cjfa-30902	105	29	could	could	AUX
cjfa-30902	105	30	generate	generate	VERB
cjfa-30902	105	31	agency	agency	NOUN
cjfa-30902	105	32	and	and	CCONJ
cjfa-30902	105	33	transaction	transaction	NOUN
cjfa-30902	105	34	costs	cost	NOUN
cjfa-30902	105	35	,	,	PUNCT
cjfa-30902	105	36	and	and	CCONJ
cjfa-30902	105	37	information	information	NOUN
cjfa-30902	105	38	asymmetry	asymmetry	NOUN
cjfa-30902	105	39	.	.	PUNCT
cjfa-30902	106	1	these	these	DET
cjfa-30902	106	2	costs	cost	NOUN
cjfa-30902	106	3	influence	influence	VERB
cjfa-30902	106	4	the	the	DET
cjfa-30902	106	5	profitability	profitability	NOUN
cjfa-30902	106	6	of	of	ADP
cjfa-30902	106	7	the	the	DET
cjfa-30902	106	8	shareholders	shareholder	NOUN
cjfa-30902	106	9	as	as	ADV
cjfa-30902	106	10	well	well	ADV
cjfa-30902	106	11	as	as	ADP
cjfa-30902	106	12	the	the	DET
cjfa-30902	106	13	firm	firm	ADJ
cjfa-30902	106	14	value	value	NOUN
cjfa-30902	106	15	,	,	PUNCT
cjfa-30902	106	16	especially	especially	ADV
cjfa-30902	106	17	in	in	ADP
cjfa-30902	106	18	the	the	DET
cjfa-30902	106	19	short	short	ADJ
cjfa-30902	106	20	term	term	NOUN
cjfa-30902	106	21	and	and	CCONJ
cjfa-30902	106	22	in	in	ADP
cjfa-30902	106	23	the	the	DET
cjfa-30902	106	24	long	long	ADJ
cjfa-30902	106	25	run	run	NOUN
cjfa-30902	106	26	,	,	PUNCT
cjfa-30902	106	27	without	without	ADP
cjfa-30902	106	28	managing	manage	VERB
cjfa-30902	106	29	the	the	DET
cjfa-30902	106	30	internal	internal	ADJ
cjfa-30902	106	31	and	and	CCONJ
cjfa-30902	106	32	external	external	ADJ
cjfa-30902	106	33	risks	risk	NOUN
cjfa-30902	106	34	throughout	throughout	ADP
cjfa-30902	106	35	the	the	DET
cjfa-30902	106	36	innovation	innovation	NOUN
cjfa-30902	106	37	process	process	NOUN
cjfa-30902	106	38	.	.	PUNCT
cjfa-30902	107	1	in	in	ADP
cjfa-30902	107	2	the	the	DET
cjfa-30902	107	3	governance	governance	NOUN
cjfa-30902	107	4	framework	framework	NOUN
cjfa-30902	107	5	,	,	PUNCT
cjfa-30902	107	6	the	the	DET
cjfa-30902	107	7	financial	financial	ADJ
cjfa-30902	107	8	institutions	institution	NOUN
cjfa-30902	107	9	use	use	VERB
cjfa-30902	107	10	risk	risk	NOUN
cjfa-30902	107	11	management	management	NOUN
cjfa-30902	107	12	processes	process	NOUN
cjfa-30902	107	13	so	so	SCONJ
cjfa-30902	107	14	as	as	SCONJ
cjfa-30902	107	15	to	to	PART
cjfa-30902	107	16	minimize	minimize	VERB
cjfa-30902	107	17	costs	cost	NOUN
cjfa-30902	107	18	and	and	CCONJ
cjfa-30902	107	19	control	control	NOUN
cjfa-30902	107	20	risks	risk	NOUN
cjfa-30902	107	21	.	.	PUNCT
cjfa-30902	108	1	the	the	DET
cjfa-30902	108	2	risk	risk	NOUN
cjfa-30902	108	3	management	management	NOUN
cjfa-30902	108	4	allows	allow	VERB
cjfa-30902	108	5	to	to	PART
cjfa-30902	108	6	reduce	reduce	VERB
cjfa-30902	108	7	the	the	DET
cjfa-30902	108	8	cost	cost	NOUN
cjfa-30902	108	9	of	of	ADP
cjfa-30902	108	10	investment	investment	NOUN
cjfa-30902	108	11	innovation	innovation	NOUN
cjfa-30902	108	12	incurred	incur	VERB
cjfa-30902	108	13	due	due	ADP
cjfa-30902	108	14	to	to	ADP
cjfa-30902	108	15	agency	agency	NOUN
cjfa-30902	108	16	conflict	conflict	NOUN
cjfa-30902	108	17	.	.	PUNCT
cjfa-30902	109	1	some	some	DET
cjfa-30902	109	2	studies	study	NOUN
cjfa-30902	109	3	have	have	AUX
cjfa-30902	109	4	tested	test	VERB
cjfa-30902	109	5	the	the	DET
cjfa-30902	109	6	mediating	mediate	VERB
cjfa-30902	109	7	effect	effect	NOUN
cjfa-30902	109	8	of	of	ADP
cjfa-30902	109	9	risk	risk	NOUN
cjfa-30902	109	10	management	management	NOUN
cjfa-30902	109	11	on	on	ADP
cjfa-30902	109	12	the	the	DET
cjfa-30902	109	13	relationship	relationship	NOUN
cjfa-30902	109	14	between	between	ADP
cjfa-30902	109	15	innovation	innovation	NOUN
cjfa-30902	109	16	and	and	CCONJ
cjfa-30902	109	17	project	project	NOUN
cjfa-30902	109	18	management	management	NOUN
cjfa-30902	109	19	in	in	ADP
cjfa-30902	109	20	non	non	ADJ
cjfa-30902	109	21	-	-	ADJ
cjfa-30902	109	22	financial	financial	ADJ
cjfa-30902	109	23	companies	company	NOUN
cjfa-30902	109	24	(	(	PUNCT
cjfa-30902	109	25	jordan	jordan	PROPN
cjfa-30902	109	26	,	,	PUNCT
cjfa-30902	109	27	jorgensen	jorgensen	PROPN
cjfa-30902	109	28	&	&	CCONJ
cjfa-30902	109	29	mitterhoferh	mitterhoferh	PROPN
cjfa-30902	109	30	,	,	PUNCT
cjfa-30902	109	31	2013	2013	NUM
cjfa-30902	109	32	)	)	PUNCT
cjfa-30902	109	33	.	.	PUNCT
cjfa-30902	110	1	however	however	ADV
cjfa-30902	110	2	,	,	PUNCT
cjfa-30902	110	3	guermazi	guermazi	PROPN
cjfa-30902	110	4	(	(	PUNCT
cjfa-30902	110	5	2017	2017	NUM
cjfa-30902	110	6	)	)	PUNCT
cjfa-30902	110	7	has	have	AUX
cjfa-30902	110	8	studied	study	VERB
cjfa-30902	110	9	the	the	DET
cjfa-30902	110	10	mediating	mediate	VERB
cjfa-30902	110	11	role	role	NOUN
cjfa-30902	110	12	of	of	ADP
cjfa-30902	110	13	risk	risk	NOUN
cjfa-30902	110	14	management	management	NOUN
cjfa-30902	110	15	in	in	ADP
cjfa-30902	110	16	financial	financial	ADJ
cjfa-30902	110	17	corporations	corporation	NOUN
cjfa-30902	110	18	,	,	PUNCT
cjfa-30902	110	19	and	and	CCONJ
cjfa-30902	110	20	has	have	AUX
cjfa-30902	110	21	realised	realise	VERB
cjfa-30902	110	22	that	that	SCONJ
cjfa-30902	110	23	the	the	DET
cjfa-30902	110	24	improvement	improvement	NOUN
cjfa-30902	110	25	in	in	ADP
cjfa-30902	110	26	insurance	insurance	NOUN
cjfa-30902	110	27	and	and	CCONJ
cjfa-30902	110	28	bank	bank	NOUN
cjfa-30902	110	29	quality	quality	NOUN
cjfa-30902	110	30	throughout	throughout	ADP
cjfa-30902	110	31	innovation	innovation	NOUN
cjfa-30902	110	32	depends	depend	VERB
cjfa-30902	110	33	on	on	ADP
cjfa-30902	110	34	the	the	DET
cjfa-30902	110	35	mediating	mediate	VERB
cjfa-30902	110	36	role	role	NOUN
cjfa-30902	110	37	of	of	ADP
cjfa-30902	110	38	risk	risk	NOUN
cjfa-30902	110	39	management	management	NOUN
cjfa-30902	110	40	.	.	PUNCT
cjfa-30902	111	1	ghazi	ghazi	PROPN
cjfa-30902	111	2	zouari	zouari	PROPN
cjfa-30902	111	3	,	,	PUNCT
cjfa-30902	111	4	imen	iman	NOUN
cjfa-30902	111	5	abdelmalek84	abdelmalek84	VERB
cjfa-30902	111	6	in	in	ADP
cjfa-30902	111	7	our	our	PRON
cjfa-30902	111	8	paper	paper	NOUN
cjfa-30902	111	9	,	,	PUNCT
cjfa-30902	111	10	we	we	PRON
cjfa-30902	111	11	will	will	AUX
cjfa-30902	111	12	look	look	VERB
cjfa-30902	111	13	for	for	ADP
cjfa-30902	111	14	the	the	DET
cjfa-30902	111	15	existence	existence	NOUN
cjfa-30902	111	16	of	of	ADP
cjfa-30902	111	17	a	a	DET
cjfa-30902	111	18	mediating	mediate	VERB
cjfa-30902	111	19	effect	effect	NOUN
cjfa-30902	111	20	of	of	ADP
cjfa-30902	111	21	risk	risk	NOUN
cjfa-30902	111	22	management	management	NOUN
cjfa-30902	111	23	between	between	ADP
cjfa-30902	111	24	innovation	innovation	NOUN
cjfa-30902	111	25	and	and	CCONJ
cjfa-30902	111	26	the	the	DET
cjfa-30902	111	27	bank	bank	NOUN
cjfa-30902	111	28	performance	performance	NOUN
cjfa-30902	111	29	.	.	PUNCT
cjfa-30902	112	1	accordingly	accordingly	ADV
cjfa-30902	112	2	,	,	PUNCT
cjfa-30902	112	3	we	we	PRON
cjfa-30902	112	4	deduce	deduce	VERB
cjfa-30902	112	5	the	the	DET
cjfa-30902	112	6	following	follow	VERB
cjfa-30902	112	7	hypothesis	hypothesis	NOUN
cjfa-30902	112	8	:	:	PUNCT
cjfa-30902	112	9	h4	h4	PROPN
cjfa-30902	112	10	.	.	PUNCT
cjfa-30902	113	1	risk	risk	NOUN
cjfa-30902	113	2	management	management	NOUN
cjfa-30902	113	3	mediates	mediate	VERB
cjfa-30902	113	4	the	the	DET
cjfa-30902	113	5	relationship	relationship	NOUN
cjfa-30902	113	6	between	between	ADP
cjfa-30902	113	7	financial	financial	ADJ
cjfa-30902	113	8	innovation	innovation	NOUN
cjfa-30902	113	9	and	and	CCONJ
cjfa-30902	113	10	bank	bank	NOUN
cjfa-30902	113	11	performance	performance	NOUN
cjfa-30902	113	12	.	.	PUNCT
cjfa-30902	114	1	figure	figure	NOUN
cjfa-30902	114	2	1	1	NUM
cjfa-30902	114	3	.	.	PUNCT
cjfa-30902	114	4	research	research	NOUN
cjfa-30902	114	5	model	model	NOUN
cjfa-30902	114	6	mediating	mediate	VERB
cjfa-30902	114	7	effect	effect	NOUN
cjfa-30902	114	8	of	of	ADP
cjfa-30902	114	9	risk	risk	NOUN
cjfa-30902	114	10	management	management	NOUN
cjfa-30902	114	11	on	on	ADP
cjfa-30902	114	12	the	the	DET
cjfa-30902	114	13	relationship	relationship	NOUN
cjfa-30902	114	14	between	between	ADP
cjfa-30902	114	15	innovation	innovation	NOUN
cjfa-30902	114	16	and	and	CCONJ
cjfa-30902	114	17	project	project	NOUN
cjfa-30902	114	18	management	management	NOUN
cjfa-30902	114	19	in	in	ADP
cjfa-30902	114	20	non	non	ADJ
cjfa-30902	114	21	-	-	ADJ
cjfa-30902	114	22	financial	financial	ADJ
cjfa-30902	114	23	companies	company	NOUN
cjfa-30902	114	24	(	(	PUNCT
cjfa-30902	114	25	jordan	jordan	PROPN
cjfa-30902	114	26	,	,	PUNCT
cjfa-30902	114	27	jorgensen	jorgensen	PROPN
cjfa-30902	114	28	&	&	CCONJ
cjfa-30902	114	29	mitterhoferh	mitterhoferh	PROPN
cjfa-30902	114	30	,	,	PUNCT
cjfa-30902	114	31	2013	2013	NUM
cjfa-30902	114	32	)	)	PUNCT
cjfa-30902	114	33	.	.	PUNCT
cjfa-30902	115	1	however	however	ADV
cjfa-30902	115	2	,	,	PUNCT
cjfa-30902	115	3	guermazi	guermazi	PROPN
cjfa-30902	115	4	(	(	PUNCT
cjfa-30902	115	5	2017	2017	NUM
cjfa-30902	115	6	)	)	PUNCT
cjfa-30902	115	7	has	have	AUX
cjfa-30902	115	8	studied	study	VERB
cjfa-30902	115	9	the	the	DET
cjfa-30902	115	10	mediating	mediate	VERB
cjfa-30902	115	11	role	role	NOUN
cjfa-30902	115	12	of	of	ADP
cjfa-30902	115	13	risk	risk	NOUN
cjfa-30902	115	14	management	management	NOUN
cjfa-30902	115	15	in	in	ADP
cjfa-30902	115	16	financial	financial	ADJ
cjfa-30902	115	17	corporations	corporation	NOUN
cjfa-30902	115	18	,	,	PUNCT
cjfa-30902	115	19	and	and	CCONJ
cjfa-30902	115	20	has	have	AUX
cjfa-30902	115	21	realised	realise	VERB
cjfa-30902	115	22	that	that	SCONJ
cjfa-30902	115	23	the	the	DET
cjfa-30902	115	24	improvement	improvement	NOUN
cjfa-30902	115	25	in	in	ADP
cjfa-30902	115	26	insurance	insurance	NOUN
cjfa-30902	115	27	and	and	CCONJ
cjfa-30902	115	28	bank	bank	NOUN
cjfa-30902	115	29	quality	quality	NOUN
cjfa-30902	115	30	throughout	throughout	ADP
cjfa-30902	115	31	innovation	innovation	NOUN
cjfa-30902	115	32	depends	depend	VERB
cjfa-30902	115	33	on	on	ADP
cjfa-30902	115	34	the	the	DET
cjfa-30902	115	35	mediating	mediate	VERB
cjfa-30902	115	36	role	role	NOUN
cjfa-30902	115	37	of	of	ADP
cjfa-30902	115	38	risk	risk	NOUN
cjfa-30902	115	39	management	management	NOUN
cjfa-30902	115	40	.	.	PUNCT
cjfa-30902	116	1	in	in	ADP
cjfa-30902	116	2	our	our	PRON
cjfa-30902	116	3	paper	paper	NOUN
cjfa-30902	116	4	,	,	PUNCT
cjfa-30902	116	5	we	we	PRON
cjfa-30902	116	6	will	will	AUX
cjfa-30902	116	7	look	look	VERB
cjfa-30902	116	8	for	for	ADP
cjfa-30902	116	9	the	the	DET
cjfa-30902	116	10	existence	existence	NOUN
cjfa-30902	116	11	of	of	ADP
cjfa-30902	116	12	a	a	DET
cjfa-30902	116	13	mediating	mediate	VERB
cjfa-30902	116	14	effect	effect	NOUN
cjfa-30902	116	15	of	of	ADP
cjfa-30902	116	16	risk	risk	NOUN
cjfa-30902	116	17	management	management	NOUN
cjfa-30902	116	18	between	between	ADP
cjfa-30902	116	19	innovation	innovation	NOUN
cjfa-30902	116	20	and	and	CCONJ
cjfa-30902	116	21	the	the	DET
cjfa-30902	116	22	bank	bank	NOUN
cjfa-30902	116	23	performance	performance	NOUN
cjfa-30902	116	24	.	.	PUNCT
cjfa-30902	117	1	accordingly	accordingly	ADV
cjfa-30902	117	2	,	,	PUNCT
cjfa-30902	117	3	we	we	PRON
cjfa-30902	117	4	deduce	deduce	VERB
cjfa-30902	117	5	the	the	DET
cjfa-30902	117	6	following	follow	VERB
cjfa-30902	117	7	hypothesis	hypothesis	NOUN
cjfa-30902	117	8	:	:	PUNCT
cjfa-30902	117	9	h4	h4	PROPN
cjfa-30902	117	10	.	.	PUNCT
cjfa-30902	118	1	risk	risk	NOUN
cjfa-30902	118	2	management	management	NOUN
cjfa-30902	118	3	mediates	mediate	VERB
cjfa-30902	118	4	the	the	DET
cjfa-30902	118	5	relationship	relationship	NOUN
cjfa-30902	118	6	between	between	ADP
cjfa-30902	118	7	financial	financial	ADJ
cjfa-30902	118	8	innovation	innovation	NOUN
cjfa-30902	118	9	and	and	CCONJ
cjfa-30902	118	10	bank	bank	NOUN
cjfa-30902	118	11	performance	performance	NOUN
cjfa-30902	118	12	.	.	PUNCT
cjfa-30902	119	1	figure	figure	NOUN
cjfa-30902	119	2	1	1	NUM
cjfa-30902	119	3	.	.	PUNCT
cjfa-30902	119	4	research	research	NOUN
cjfa-30902	119	5	model	model	NOUN
cjfa-30902	119	6	h4	h4	PROPN
cjfa-30902	119	7	source	source	NOUN
cjfa-30902	119	8	:	:	PUNCT
cjfa-30902	119	9	author	author	NOUN
cjfa-30902	119	10	's	's	PART
cjfa-30902	119	11	modeling	modeling	NOUN
cjfa-30902	119	12	,	,	PUNCT
cjfa-30902	119	13	2019	2019	NUM
cjfa-30902	119	14	.	.	PUNCT
cjfa-30902	120	1	research	research	NOUN
cjfa-30902	120	2	methodology	methodology	NOUN
cjfa-30902	120	3	this	this	DET
cjfa-30902	120	4	section	section	NOUN
cjfa-30902	120	5	aims	aim	VERB
cjfa-30902	120	6	to	to	PART
cjfa-30902	120	7	test	test	VERB
cjfa-30902	120	8	the	the	DET
cjfa-30902	120	9	impact	impact	NOUN
cjfa-30902	120	10	of	of	ADP
cjfa-30902	120	11	the	the	DET
cjfa-30902	120	12	characteristics	characteristic	NOUN
cjfa-30902	120	13	of	of	ADP
cjfa-30902	120	14	financial	financial	ADJ
cjfa-30902	120	15	innovation	innovation	NOUN
cjfa-30902	120	16	on	on	ADP
cjfa-30902	120	17	the	the	DET
cjfa-30902	120	18	bank	bank	NOUN
cjfa-30902	120	19	performance	performance	NOUN
cjfa-30902	120	20	.	.	PUNCT
cjfa-30902	121	1	this	this	DET
cjfa-30902	121	2	effect	effect	NOUN
cjfa-30902	121	3	is	be	AUX
cjfa-30902	121	4	mediated	mediate	VERB
cjfa-30902	121	5	by	by	ADP
cjfa-30902	121	6	risk	risk	NOUN
cjfa-30902	121	7	management	management	NOUN
cjfa-30902	121	8	.	.	PUNCT
cjfa-30902	122	1	to	to	PART
cjfa-30902	122	2	do	do	VERB
cjfa-30902	122	3	this	this	PRON
cjfa-30902	122	4	,	,	PUNCT
cjfa-30902	122	5	we	we	PRON
cjfa-30902	122	6	will	will	AUX
cjfa-30902	122	7	present	present	VERB
cjfa-30902	122	8	our	our	PRON
cjfa-30902	122	9	sample	sample	NOUN
cjfa-30902	122	10	,	,	PUNCT
cjfa-30902	122	11	the	the	DET
cjfa-30902	122	12	response	response	NOUN
cjfa-30902	122	13	and	and	CCONJ
cjfa-30902	122	14	explanatory	explanatory	ADJ
cjfa-30902	122	15	variables	variable	NOUN
cjfa-30902	122	16	,	,	PUNCT
cjfa-30902	122	17	and	and	CCONJ
cjfa-30902	122	18	the	the	DET
cjfa-30902	122	19	regression	regression	NOUN
cjfa-30902	122	20	analysis	analysis	NOUN
cjfa-30902	122	21	.	.	PUNCT
cjfa-30902	123	1	presentation	presentation	NOUN
cjfa-30902	123	2	of	of	ADP
cjfa-30902	123	3	data	datum	NOUN
cjfa-30902	123	4	and	and	CCONJ
cjfa-30902	123	5	variable	variable	ADJ
cjfa-30902	123	6	measurements	measurement	NOUN
cjfa-30902	123	7	the	the	DET
cjfa-30902	123	8	data	datum	NOUN
cjfa-30902	123	9	is	be	AUX
cjfa-30902	123	10	collected	collect	VERB
cjfa-30902	123	11	from	from	ADP
cjfa-30902	123	12	10	10	NUM
cjfa-30902	123	13	tunisian	tunisian	ADJ
cjfa-30902	123	14	listed	list	VERB
cjfa-30902	123	15	commercial	commercial	ADJ
cjfa-30902	123	16	banks1	banks1	NOUN
cjfa-30902	123	17	listed	list	VERB
cjfa-30902	123	18	on	on	ADP
cjfa-30902	123	19	the	the	DET
cjfa-30902	123	20	tunis	tunis	NOUN
cjfa-30902	123	21	stock	stock	NOUN
cjfa-30902	123	22	exchange	exchange	NOUN
cjfa-30902	123	23	.	.	PUNCT
cjfa-30902	124	1	all	all	DET
cjfa-30902	124	2	the	the	DET
cjfa-30902	124	3	relevant	relevant	ADJ
cjfa-30902	124	4	data	data	NOUN
cjfa-30902	124	5	is	be	AUX
cjfa-30902	124	6	obtained	obtain	VERB
cjfa-30902	124	7	from	from	ADP
cjfa-30902	124	8	the	the	DET
cjfa-30902	124	9	bank	bank	NOUN
cjfa-30902	124	10	annual	annual	ADJ
cjfa-30902	124	11	reports	report	NOUN
cjfa-30902	124	12	,	,	PUNCT
cjfa-30902	124	13	and	and	CCONJ
cjfa-30902	124	14	reference	reference	NOUN
cjfa-30902	124	15	documents	document	NOUN
cjfa-30902	124	16	of	of	ADP
cjfa-30902	124	17	financial	financial	ADJ
cjfa-30902	124	18	market	market	NOUN
cjfa-30902	124	19	council	council	NOUN
cjfa-30902	124	20	in	in	ADP
cjfa-30902	124	21	the	the	DET
cjfa-30902	124	22	period	period	NOUN
cjfa-30902	124	23	spanning	span	VERB
cjfa-30902	124	24	from	from	ADP
cjfa-30902	124	25	2009	2009	NUM
cjfa-30902	124	26	through	through	ADP
cjfa-30902	124	27	2017	2017	NUM
cjfa-30902	124	28	.	.	PUNCT
cjfa-30902	125	1	our	our	PRON
cjfa-30902	125	2	choice	choice	NOUN
cjfa-30902	125	3	of	of	ADP
cjfa-30902	125	4	this	this	DET
cjfa-30902	125	5	period	period	NOUN
cjfa-30902	125	6	is	be	AUX
cjfa-30902	125	7	based	base	VERB
cjfa-30902	125	8	on	on	ADP
cjfa-30902	125	9	the	the	DET
cjfa-30902	125	10	availability	availability	NOUN
cjfa-30902	125	11	of	of	ADP
cjfa-30902	125	12	data	datum	NOUN
cjfa-30902	125	13	and	and	CCONJ
cjfa-30902	125	14	it	it	PRON
cjfa-30902	125	15	represents	represent	VERB
cjfa-30902	125	16	a	a	DET
cjfa-30902	125	17	post	post	NOUN
cjfa-30902	125	18	1	1	NUM
cjfa-30902	125	19	atb	atb	NOUN
cjfa-30902	125	20	:	:	PUNCT
cjfa-30902	125	21	arab	arab	PROPN
cjfa-30902	125	22	tunisian	tunisian	PROPN
cjfa-30902	125	23	bank	bank	PROPN
cjfa-30902	125	24	,	,	PUNCT
cjfa-30902	125	25	biat	biat	NOUN
cjfa-30902	125	26	:	:	PUNCT
cjfa-30902	125	27	banque	banque	PROPN
cjfa-30902	125	28	internationale	internationale	PROPN
cjfa-30902	125	29	arabe	arabe	PROPN
cjfa-30902	125	30	de	de	X
cjfa-30902	125	31	tunisie	tunisie	PROPN
cjfa-30902	125	32	,	,	PUNCT
cjfa-30902	125	33	ab	ab	PROPN
cjfa-30902	125	34	:	:	PUNCT
cjfa-30902	125	35	amen	amen	INTJ
cjfa-30902	125	36	bank	bank	PROPN
cjfa-30902	125	37	,	,	PUNCT
cjfa-30902	125	38	ubci	ubci	PROPN
cjfa-30902	125	39	:	:	PUNCT
cjfa-30902	125	40	union	union	NOUN
cjfa-30902	125	41	bancaire	bancaire	PROPN
cjfa-30902	125	42	pour	pour	PROPN
cjfa-30902	125	43	le	le	PROPN
cjfa-30902	125	44	commerce	commerce	PROPN
cjfa-30902	125	45	et	et	PROPN
cjfa-30902	125	46	l’industrie	l’industrie	PROPN
cjfa-30902	125	47	,	,	PUNCT
cjfa-30902	125	48	attijari	attijari	ADJ
cjfa-30902	125	49	:	:	PUNCT
cjfa-30902	125	50	attijari	attijari	PROPN
cjfa-30902	125	51	bank	bank	PROPN
cjfa-30902	125	52	,	,	PUNCT
cjfa-30902	125	53	uib	uib	ADJ
cjfa-30902	125	54	:	:	PUNCT
cjfa-30902	125	55	union	union	PROPN
cjfa-30902	125	56	internationale	internationale	PROPN
cjfa-30902	125	57	de	de	X
cjfa-30902	125	58	banque	banque	PROPN
cjfa-30902	125	59	,	,	PUNCT
cjfa-30902	125	60	bt	bt	PROPN
cjfa-30902	125	61	:	:	PUNCT
cjfa-30902	125	62	banque	banque	PROPN
cjfa-30902	125	63	de	de	X
cjfa-30902	125	64	tunisie	tunisie	PROPN
cjfa-30902	125	65	,	,	PUNCT
cjfa-30902	125	66	bna	bna	PROPN
cjfa-30902	125	67	:	:	PUNCT
cjfa-30902	125	68	banque	banque	PROPN
cjfa-30902	125	69	nationale	nationale	PROPN
cjfa-30902	125	70	agricole	agricole	PROPN
cjfa-30902	125	71	,	,	PUNCT
cjfa-30902	125	72	stb	stb	PROPN
cjfa-30902	125	73	:	:	PUNCT
cjfa-30902	125	74	société	société	PROPN
cjfa-30902	125	75	tunisienne	tunisienne	PROPN
cjfa-30902	125	76	de	de	PROPN
cjfa-30902	125	77	banque	banque	PROPN
cjfa-30902	125	78	,	,	PUNCT
cjfa-30902	125	79	bh	bh	NOUN
cjfa-30902	125	80	:	:	PUNCT
cjfa-30902	125	81	banque	banque	PROPN
cjfa-30902	125	82	de	de	X
cjfa-30902	125	83	l’habitat	l’habitat	PROPN
cjfa-30902	125	84	.	.	PUNCT
cjfa-30902	126	1	h2	h2	PROPN
cjfa-30902	126	2	h1	h1	PROPN
cjfa-30902	126	3	h3	h3	NOUN
cjfa-30902	126	4	risk	risk	NOUN
cjfa-30902	126	5	management	management	NOUN
cjfa-30902	126	6	financial	financial	ADJ
cjfa-30902	126	7	innovation	innovation	NOUN
cjfa-30902	126	8	bank	bank	NOUN
cjfa-30902	126	9	performance	performance	NOUN
cjfa-30902	126	10	control	control	NOUN
cjfa-30902	126	11	variables	variable	VERB
cjfa-30902	126	12	s	s	PART
cjfa-30902	126	13	o	o	NOUN
cjfa-30902	126	14	u	u	NOUN
cjfa-30902	126	15	r	r	NOUN
cjfa-30902	126	16	c	c	NOUN
cjfa-30902	126	17	e	e	NOUN
cjfa-30902	126	18	:	:	PUNCT
cjfa-30902	126	19	author	author	PROPN
cjfa-30902	126	20	’s	’s	PART
cjfa-30902	126	21	modeling	modeling	NOUN
cjfa-30902	126	22	,	,	PUNCT
cjfa-30902	126	23	2019	2019	NUM
cjfa-30902	126	24	.	.	PUNCT
cjfa-30902	127	1	research	research	NOUN
cjfa-30902	127	2	methodology	methodology	NOUN
cjfa-30902	127	3	this	this	DET
cjfa-30902	127	4	section	section	NOUN
cjfa-30902	127	5	aims	aim	VERB
cjfa-30902	127	6	to	to	PART
cjfa-30902	127	7	test	test	VERB
cjfa-30902	127	8	the	the	DET
cjfa-30902	127	9	impact	impact	NOUN
cjfa-30902	127	10	of	of	ADP
cjfa-30902	127	11	the	the	DET
cjfa-30902	127	12	characteristics	characteristic	NOUN
cjfa-30902	127	13	of	of	ADP
cjfa-30902	127	14	financial	financial	ADJ
cjfa-30902	127	15	innovation	innovation	NOUN
cjfa-30902	127	16	on	on	ADP
cjfa-30902	127	17	the	the	DET
cjfa-30902	127	18	bank	bank	NOUN
cjfa-30902	127	19	performance	performance	NOUN
cjfa-30902	127	20	.	.	PUNCT
cjfa-30902	128	1	this	this	DET
cjfa-30902	128	2	effect	effect	NOUN
cjfa-30902	128	3	is	be	AUX
cjfa-30902	128	4	mediated	mediate	VERB
cjfa-30902	128	5	by	by	ADP
cjfa-30902	128	6	risk	risk	NOUN
cjfa-30902	128	7	management	management	NOUN
cjfa-30902	128	8	.	.	PUNCT
cjfa-30902	129	1	to	to	PART
cjfa-30902	129	2	do	do	VERB
cjfa-30902	129	3	this	this	PRON
cjfa-30902	129	4	,	,	PUNCT
cjfa-30902	129	5	we	we	PRON
cjfa-30902	129	6	will	will	AUX
cjfa-30902	129	7	present	present	VERB
cjfa-30902	129	8	our	our	PRON
cjfa-30902	129	9	sample	sample	NOUN
cjfa-30902	129	10	,	,	PUNCT
cjfa-30902	129	11	the	the	DET
cjfa-30902	129	12	response	response	NOUN
cjfa-30902	129	13	and	and	CCONJ
cjfa-30902	129	14	explanatory	explanatory	ADJ
cjfa-30902	129	15	variables	variable	NOUN
cjfa-30902	129	16	,	,	PUNCT
cjfa-30902	129	17	and	and	CCONJ
cjfa-30902	129	18	the	the	DET
cjfa-30902	129	19	regression	regression	NOUN
cjfa-30902	129	20	analysis	analysis	NOUN
cjfa-30902	129	21	.	.	PUNCT
cjfa-30902	130	1	presentation	presentation	NOUN
cjfa-30902	130	2	of	of	ADP
cjfa-30902	130	3	data	datum	NOUN
cjfa-30902	130	4	and	and	CCONJ
cjfa-30902	130	5	variable	variable	ADJ
cjfa-30902	130	6	measurements	measurement	NOUN
cjfa-30902	130	7	the	the	DET
cjfa-30902	130	8	data	datum	NOUN
cjfa-30902	130	9	is	be	AUX
cjfa-30902	130	10	collected	collect	VERB
cjfa-30902	130	11	from	from	ADP
cjfa-30902	130	12	10	10	NUM
cjfa-30902	130	13	tunisian	tunisian	ADJ
cjfa-30902	130	14	listed	list	VERB
cjfa-30902	130	15	commercial	commercial	ADJ
cjfa-30902	130	16	banks1	banks1	NOUN
cjfa-30902	130	17	listed	list	VERB
cjfa-30902	130	18	on	on	ADP
cjfa-30902	130	19	the	the	DET
cjfa-30902	130	20	tunis	tunis	NOUN
cjfa-30902	130	21	stock	stock	NOUN
cjfa-30902	130	22	exchange	exchange	NOUN
cjfa-30902	130	23	.	.	PUNCT
cjfa-30902	131	1	all	all	DET
cjfa-30902	131	2	the	the	DET
cjfa-30902	131	3	relevant	relevant	ADJ
cjfa-30902	131	4	data	data	NOUN
cjfa-30902	131	5	is	be	AUX
cjfa-30902	131	6	obtained	obtain	VERB
cjfa-30902	131	7	from	from	ADP
cjfa-30902	131	8	the	the	DET
cjfa-30902	131	9	bank	bank	NOUN
cjfa-30902	131	10	annu1	annu1	PROPN
cjfa-30902	131	11	 	 	SPACE
cjfa-30902	131	12	atb	atb	PROPN
cjfa-30902	131	13	:	:	PUNCT
cjfa-30902	131	14	arab	arab	PROPN
cjfa-30902	131	15	tunisian	tunisian	PROPN
cjfa-30902	131	16	bank	bank	PROPN
cjfa-30902	131	17	,	,	PUNCT
cjfa-30902	131	18	biat	biat	PROPN
cjfa-30902	131	19	:	:	PUNCT
cjfa-30902	131	20	banque	banque	PROPN
cjfa-30902	131	21	internationale	internationale	PROPN
cjfa-30902	131	22	arabe	arabe	PROPN
cjfa-30902	131	23	de	de	PROPN
cjfa-30902	131	24	tunisie	tunisie	PROPN
cjfa-30902	131	25	,	,	PUNCT
cjfa-30902	131	26	ab	ab	PROPN
cjfa-30902	131	27	:	:	PUNCT
cjfa-30902	131	28	amen	amen	PROPN
cjfa-30902	131	29	bank	bank	NOUN
cjfa-30902	131	30	,	,	PUNCT
cjfa-30902	131	31	ubci	ubci	PROPN
cjfa-30902	131	32	:	:	PUNCT
cjfa-30902	131	33	union	union	PROPN
cjfa-30902	131	34	bancaire	bancaire	PROPN
cjfa-30902	131	35	pour	pour	PROPN
cjfa-30902	131	36	le	le	PROPN
cjfa-30902	131	37	commerce	commerce	PROPN
cjfa-30902	131	38	et	et	PROPN
cjfa-30902	131	39	l’industrie	l’industrie	PROPN
cjfa-30902	131	40	,	,	PUNCT
cjfa-30902	131	41	attijari	attijari	PROPN
cjfa-30902	131	42	:	:	PUNCT
cjfa-30902	131	43	attijari	attijari	PROPN
cjfa-30902	131	44	bank	bank	PROPN
cjfa-30902	131	45	,	,	PUNCT
cjfa-30902	131	46	uib	uib	PROPN
cjfa-30902	131	47	:	:	PUNCT
cjfa-30902	131	48	union	union	PROPN
cjfa-30902	131	49	internationale	internationale	PROPN
cjfa-30902	131	50	de	de	X
cjfa-30902	131	51	banque	banque	PROPN
cjfa-30902	131	52	,	,	PUNCT
cjfa-30902	131	53	bt	bt	PROPN
cjfa-30902	131	54	:	:	PUNCT
cjfa-30902	131	55	banque	banque	PROPN
cjfa-30902	131	56	de	de	X
cjfa-30902	131	57	tunisie	tunisie	PROPN
cjfa-30902	131	58	,	,	PUNCT
cjfa-30902	131	59	bna	bna	PROPN
cjfa-30902	131	60	:	:	PUNCT
cjfa-30902	131	61	banque	banque	PROPN
cjfa-30902	131	62	nationale	nationale	PROPN
cjfa-30902	131	63	agricole	agricole	PROPN
cjfa-30902	131	64	,	,	PUNCT
cjfa-30902	131	65	stb	stb	PROPN
cjfa-30902	131	66	:	:	PUNCT
cjfa-30902	131	67	société	société	PROPN
cjfa-30902	131	68	tunisienne	tunisienne	PROPN
cjfa-30902	131	69	de	de	PROPN
cjfa-30902	131	70	banque	banque	PROPN
cjfa-30902	131	71	,	,	PUNCT
cjfa-30902	131	72	bh	bh	NOUN
cjfa-30902	131	73	:	:	PUNCT
cjfa-30902	131	74	banque	banque	PROPN
cjfa-30902	131	75	de	de	X
cjfa-30902	131	76	l’habitat	l’habitat	PROPN
cjfa-30902	131	77	.	.	PUNCT
cjfa-30902	131	78	financial	financial	ADJ
cjfa-30902	131	79	innovation	innovation	NOUN
cjfa-30902	131	80	,	,	PUNCT
cjfa-30902	131	81	risk	risk	NOUN
cjfa-30902	131	82	management	management	NOUN
cjfa-30902	131	83	,	,	PUNCT
cjfa-30902	131	84	and	and	CCONJ
cjfa-30902	131	85	bank	bank	NOUN
cjfa-30902	131	86	performance	performance	NOUN
cjfa-30902	131	87	85	85	NUM
cjfa-30902	131	88	al	al	PROPN
cjfa-30902	131	89	reports	report	NOUN
cjfa-30902	131	90	,	,	PUNCT
cjfa-30902	131	91	and	and	CCONJ
cjfa-30902	131	92	reference	reference	NOUN
cjfa-30902	131	93	documents	document	NOUN
cjfa-30902	131	94	of	of	ADP
cjfa-30902	131	95	financial	financial	ADJ
cjfa-30902	131	96	market	market	NOUN
cjfa-30902	131	97	council	council	NOUN
cjfa-30902	131	98	in	in	ADP
cjfa-30902	131	99	the	the	DET
cjfa-30902	131	100	period	period	NOUN
cjfa-30902	131	101	spanning	span	VERB
cjfa-30902	131	102	from	from	ADP
cjfa-30902	131	103	2009	2009	NUM
cjfa-30902	131	104	through	through	ADP
cjfa-30902	131	105	2017	2017	NUM
cjfa-30902	131	106	.	.	PUNCT
cjfa-30902	132	1	our	our	PRON
cjfa-30902	132	2	choice	choice	NOUN
cjfa-30902	132	3	of	of	ADP
cjfa-30902	132	4	this	this	DET
cjfa-30902	132	5	period	period	NOUN
cjfa-30902	132	6	is	be	AUX
cjfa-30902	132	7	based	base	VERB
cjfa-30902	132	8	on	on	ADP
cjfa-30902	132	9	the	the	DET
cjfa-30902	132	10	availability	availability	NOUN
cjfa-30902	132	11	of	of	ADP
cjfa-30902	132	12	data	datum	NOUN
cjfa-30902	132	13	and	and	CCONJ
cjfa-30902	132	14	it	it	PRON
cjfa-30902	132	15	represents	represent	VERB
cjfa-30902	132	16	a	a	DET
cjfa-30902	132	17	post	post	ADJ
cjfa-30902	132	18	-	-	ADJ
cjfa-30902	132	19	financial	financial	ADJ
cjfa-30902	132	20	crisis	crisis	NOUN
cjfa-30902	132	21	period	period	NOUN
cjfa-30902	132	22	from	from	ADP
cjfa-30902	132	23	2007/2008	2007/2008	NUM
cjfa-30902	132	24	so	so	ADV
cjfa-30902	132	25	as	as	SCONJ
cjfa-30902	132	26	not	not	PART
cjfa-30902	132	27	to	to	PART
cjfa-30902	132	28	bias	bias	VERB
cjfa-30902	132	29	the	the	DET
cjfa-30902	132	30	results	result	NOUN
cjfa-30902	132	31	by	by	ADP
cjfa-30902	132	32	the	the	DET
cjfa-30902	132	33	effect	effect	NOUN
cjfa-30902	132	34	of	of	ADP
cjfa-30902	132	35	this	this	DET
cjfa-30902	132	36	crisis	crisis	NOUN
cjfa-30902	132	37	on	on	ADP
cjfa-30902	132	38	banking	banking	NOUN
cjfa-30902	132	39	performance	performance	NOUN
cjfa-30902	132	40	.	.	PUNCT
cjfa-30902	133	1	in	in	ADP
cjfa-30902	133	2	sum	sum	NOUN
cjfa-30902	133	3	,	,	PUNCT
cjfa-30902	133	4	the	the	DET
cjfa-30902	133	5	total	total	ADJ
cjfa-30902	133	6	number	number	NOUN
cjfa-30902	133	7	of	of	ADP
cjfa-30902	133	8	tunisian	tunisian	ADJ
cjfa-30902	133	9	banks	bank	NOUN
cjfa-30902	133	10	selected	select	VERB
cjfa-30902	133	11	for	for	ADP
cjfa-30902	133	12	statistical	statistical	ADJ
cjfa-30902	133	13	testing	testing	NOUN
cjfa-30902	133	14	amounts	amount	VERB
cjfa-30902	133	15	to	to	ADP
cjfa-30902	133	16	10	10	NUM
cjfa-30902	133	17	banks	bank	NOUN
cjfa-30902	133	18	,	,	PUNCT
cjfa-30902	133	19	making	make	VERB
cjfa-30902	133	20	up	up	ADP
cjfa-30902	133	21	a	a	DET
cjfa-30902	133	22	total	total	ADJ
cjfa-30902	133	23	number	number	NOUN
cjfa-30902	133	24	of	of	ADP
cjfa-30902	133	25	observations	observation	NOUN
cjfa-30902	133	26	equal	equal	ADJ
cjfa-30902	133	27	to	to	ADP
cjfa-30902	133	28	90	90	NUM
cjfa-30902	133	29	.	.	PUNCT
cjfa-30902	134	1	dependent	dependent	ADJ
cjfa-30902	134	2	variables	variable	NOUN
cjfa-30902	134	3	according	accord	VERB
cjfa-30902	134	4	to	to	ADP
cjfa-30902	134	5	the	the	DET
cjfa-30902	134	6	european	european	PROPN
cjfa-30902	134	7	central	central	PROPN
cjfa-30902	134	8	bank	bank	PROPN
cjfa-30902	134	9	(	(	PUNCT
cjfa-30902	134	10	ecb	ecb	PROPN
cjfa-30902	134	11	,	,	PUNCT
cjfa-30902	134	12	2010	2010	NUM
cjfa-30902	134	13	)	)	PUNCT
cjfa-30902	134	14	,	,	PUNCT
cjfa-30902	134	15	the	the	DET
cjfa-30902	134	16	bank	bank	NOUN
cjfa-30902	134	17	performance	performance	NOUN
cjfa-30902	134	18	is	be	AUX
cjfa-30902	134	19	defined	define	VERB
cjfa-30902	134	20	as	as	ADP
cjfa-30902	134	21	the	the	DET
cjfa-30902	134	22	“	"	PUNCT
cjfa-30902	134	23	capacity	capacity	NOUN
cjfa-30902	134	24	to	to	PART
cjfa-30902	134	25	generate	generate	VERB
cjfa-30902	134	26	sustainable	sustainable	ADJ
cjfa-30902	134	27	profitability	profitability	NOUN
cjfa-30902	134	28	”	"	PUNCT
cjfa-30902	134	29	.	.	PUNCT
cjfa-30902	135	1	therefore	therefore	ADV
cjfa-30902	135	2	,	,	PUNCT
cjfa-30902	135	3	and	and	CCONJ
cjfa-30902	135	4	as	as	ADP
cjfa-30902	135	5	in	in	ADP
cjfa-30902	135	6	previous	previous	ADJ
cjfa-30902	135	7	studies	study	NOUN
cjfa-30902	135	8	,	,	PUNCT
cjfa-30902	135	9	we	we	PRON
cjfa-30902	135	10	use	use	VERB
cjfa-30902	135	11	two	two	NUM
cjfa-30902	135	12	measures	measure	NOUN
cjfa-30902	135	13	of	of	ADP
cjfa-30902	135	14	bank	bank	NOUN
cjfa-30902	135	15	performance	performance	NOUN
cjfa-30902	135	16	.	.	PUNCT
cjfa-30902	136	1	following	follow	VERB
cjfa-30902	136	2	mabrouk	mabrouk	PROPN
cjfa-30902	136	3	and	and	CCONJ
cjfa-30902	136	4	mamoghli	mamoghli	NOUN
cjfa-30902	136	5	(	(	PUNCT
cjfa-30902	136	6	2010	2010	NUM
cjfa-30902	136	7	)	)	PUNCT
cjfa-30902	136	8	,	,	PUNCT
cjfa-30902	136	9	zouari	zouari	ADJ
cjfa-30902	136	10	and	and	CCONJ
cjfa-30902	136	11	zouari	zouari	ADJ
cjfa-30902	136	12	-	-	PUNCT
cjfa-30902	136	13	hadiji	hadiji	PROPN
cjfa-30902	136	14	(	(	PUNCT
cjfa-30902	136	15	2014a	2014a	NUM
cjfa-30902	136	16	;	;	PUNCT
cjfa-30902	136	17	2014b)2	2014b)2	NUM
cjfa-30902	136	18	and	and	CCONJ
cjfa-30902	136	19	wanjohi	wanjohi	VERB
cjfa-30902	136	20	et	et	PROPN
cjfa-30902	136	21	al	al	PROPN
cjfa-30902	136	22	.	.	PROPN
cjfa-30902	137	1	(	(	PUNCT
cjfa-30902	137	2	2017	2017	NUM
cjfa-30902	137	3	)	)	PUNCT
cjfa-30902	137	4	,	,	PUNCT
cjfa-30902	137	5	the	the	DET
cjfa-30902	137	6	first	first	ADJ
cjfa-30902	137	7	one	one	NOUN
cjfa-30902	137	8	is	be	AUX
cjfa-30902	137	9	the	the	DET
cjfa-30902	137	10	return	return	NOUN
cjfa-30902	137	11	on	on	ADP
cjfa-30902	137	12	equity	equity	NOUN
cjfa-30902	137	13	as	as	ADP
cjfa-30902	137	14	a	a	DET
cjfa-30902	137	15	traditional	traditional	ADJ
cjfa-30902	137	16	measure	measure	NOUN
cjfa-30902	137	17	of	of	ADP
cjfa-30902	137	18	performance	performance	NOUN
cjfa-30902	137	19	,	,	PUNCT
cjfa-30902	137	20	reflecting	reflect	VERB
cjfa-30902	137	21	the	the	DET
cjfa-30902	137	22	ability	ability	NOUN
cjfa-30902	137	23	of	of	ADP
cjfa-30902	137	24	a	a	DET
cjfa-30902	137	25	bank	bank	NOUN
cjfa-30902	137	26	to	to	PART
cjfa-30902	137	27	generate	generate	VERB
cjfa-30902	137	28	profits	profit	NOUN
cjfa-30902	137	29	through	through	ADP
cjfa-30902	137	30	investment	investment	NOUN
cjfa-30902	137	31	(	(	PUNCT
cjfa-30902	137	32	return	return	NOUN
cjfa-30902	137	33	on	on	ADP
cjfa-30902	137	34	assets	asset	NOUN
cjfa-30902	137	35	“	"	PUNCT
cjfa-30902	137	36	roe	roe	NOUN
cjfa-30902	137	37	”	"	PUNCT
cjfa-30902	137	38	=	=	VERB
cjfa-30902	137	39	operating	operate	VERB
cjfa-30902	137	40	income	income	NOUN
cjfa-30902	137	41	before	before	ADP
cjfa-30902	137	42	depreciation	depreciation	NOUN
cjfa-30902	137	43	and	and	CCONJ
cjfa-30902	137	44	r&d	r&d	NOUN
cjfa-30902	137	45	/	/	SYM
cjfa-30902	137	46	total	total	ADJ
cjfa-30902	137	47	equity	equity	NOUN
cjfa-30902	137	48	)	)	PUNCT
cjfa-30902	137	49	.	.	PUNCT
cjfa-30902	138	1	the	the	DET
cjfa-30902	138	2	second	second	ADJ
cjfa-30902	138	3	one	one	NOUN
cjfa-30902	138	4	is	be	AUX
cjfa-30902	138	5	the	the	DET
cjfa-30902	138	6	market	market	NOUN
cjfa-30902	138	7	to	to	ADP
cjfa-30902	138	8	book	book	NOUN
cjfa-30902	138	9	value	value	NOUN
cjfa-30902	138	10	as	as	ADP
cjfa-30902	138	11	marketbased	marketbase	VERB
cjfa-30902	138	12	measures	measure	NOUN
cjfa-30902	138	13	of	of	ADP
cjfa-30902	138	14	performance	performance	NOUN
cjfa-30902	138	15	,	,	PUNCT
cjfa-30902	138	16	relating	relate	VERB
cjfa-30902	138	17	the	the	DET
cjfa-30902	138	18	market	market	NOUN
cjfa-30902	138	19	value	value	NOUN
cjfa-30902	138	20	of	of	ADP
cjfa-30902	138	21	stockholders	stockholder	NOUN
cjfa-30902	138	22	’	'	PUNCT
cjfa-30902	138	23	equity	equity	NOUN
cjfa-30902	138	24	to	to	ADP
cjfa-30902	138	25	its	its	PRON
cjfa-30902	138	26	book	book	NOUN
cjfa-30902	138	27	value	value	NOUN
cjfa-30902	138	28	(	(	PUNCT
cjfa-30902	138	29	market	market	NOUN
cjfa-30902	138	30	to	to	PART
cjfa-30902	138	31	book	book	NOUN
cjfa-30902	138	32	“	"	PUNCT
cjfa-30902	138	33	mtb	mtb	NOUN
cjfa-30902	138	34	”	"	PUNCT
cjfa-30902	138	35	=	=	VERB
cjfa-30902	138	36	market	market	NOUN
cjfa-30902	138	37	capitalization	capitalization	NOUN
cjfa-30902	138	38	/	/	SYM
cjfa-30902	138	39	book	book	NOUN
cjfa-30902	138	40	value	value	NOUN
cjfa-30902	138	41	of	of	ADP
cjfa-30902	138	42	equity	equity	NOUN
cjfa-30902	138	43	)	)	PUNCT
cjfa-30902	138	44	.	.	PUNCT
cjfa-30902	139	1	independent	independent	ADJ
cjfa-30902	139	2	variables	variable	NOUN
cjfa-30902	139	3	through	through	ADP
cjfa-30902	139	4	empirical	empirical	ADJ
cjfa-30902	139	5	studies	study	NOUN
cjfa-30902	139	6	,	,	PUNCT
cjfa-30902	139	7	financial	financial	ADJ
cjfa-30902	139	8	innovation	innovation	NOUN
cjfa-30902	139	9	is	be	AUX
cjfa-30902	139	10	assessed	assess	VERB
cjfa-30902	139	11	,	,	PUNCT
cjfa-30902	139	12	using	use	VERB
cjfa-30902	139	13	two	two	NUM
cjfa-30902	139	14	different	different	ADJ
cjfa-30902	139	15	types	type	NOUN
cjfa-30902	139	16	of	of	ADP
cjfa-30902	139	17	input	input	NOUN
cjfa-30902	139	18	and	and	CCONJ
cjfa-30902	139	19	output	output	NOUN
cjfa-30902	139	20	ratios	ratio	NOUN
cjfa-30902	139	21	(	(	PUNCT
cjfa-30902	139	22	stone	stone	NOUN
cjfa-30902	139	23	,	,	PUNCT
cjfa-30902	139	24	shipp	shipp	NOUN
cjfa-30902	139	25	&	&	CCONJ
cjfa-30902	139	26	leader	leader	NOUN
cjfa-30902	139	27	,	,	PUNCT
cjfa-30902	139	28	2008	2008	NUM
cjfa-30902	139	29	)	)	PUNCT
cjfa-30902	139	30	,	,	PUNCT
cjfa-30902	139	31	and	and	CCONJ
cjfa-30902	139	32	it	it	PRON
cjfa-30902	139	33	is	be	AUX
cjfa-30902	139	34	measured	measure	VERB
cjfa-30902	139	35	by	by	ADP
cjfa-30902	139	36	three	three	NUM
cjfa-30902	139	37	different	different	ADJ
cjfa-30902	139	38	ways	way	NOUN
cjfa-30902	139	39	.	.	PUNCT
cjfa-30902	140	1	the	the	DET
cjfa-30902	140	2	first	first	ADJ
cjfa-30902	140	3	measurement	measurement	NOUN
cjfa-30902	140	4	indicator	indicator	NOUN
cjfa-30902	140	5	is	be	AUX
cjfa-30902	140	6	the	the	DET
cjfa-30902	140	7	innovation	innovation	NOUN
cjfa-30902	140	8	index	index	NOUN
cjfa-30902	140	9	(	(	PUNCT
cjfa-30902	140	10	heffernan	heffernan	PROPN
cjfa-30902	140	11	,	,	PUNCT
cjfa-30902	140	12	fu	fu	PROPN
cjfa-30902	140	13	&	&	CCONJ
cjfa-30902	140	14	fu	fu	PROPN
cjfa-30902	140	15	,	,	PUNCT
cjfa-30902	140	16	2008	2008	NUM
cjfa-30902	140	17	)	)	PUNCT
cjfa-30902	140	18	that	that	PRON
cjfa-30902	140	19	has	have	AUX
cjfa-30902	140	20	been	be	AUX
cjfa-30902	140	21	converted	convert	VERB
cjfa-30902	140	22	into	into	ADP
cjfa-30902	140	23	percentages	percentage	NOUN
cjfa-30902	140	24	to	to	PART
cjfa-30902	140	25	facilitate	facilitate	VERB
cjfa-30902	140	26	exposure	exposure	NOUN
cjfa-30902	140	27	,	,	PUNCT
cjfa-30902	140	28	and	and	CCONJ
cjfa-30902	140	29	can	can	AUX
cjfa-30902	140	30	vary	vary	VERB
cjfa-30902	140	31	from	from	ADP
cjfa-30902	140	32	0	0	NUM
cjfa-30902	140	33	%	%	NOUN
cjfa-30902	140	34	to	to	PART
cjfa-30902	140	35	100	100	NUM
cjfa-30902	140	36	%	%	NOUN
cjfa-30902	140	37	.	.	PUNCT
cjfa-30902	141	1	the	the	DET
cjfa-30902	141	2	second	second	ADJ
cjfa-30902	141	3	measurement	measurement	NOUN
cjfa-30902	141	4	indicator	indicator	NOUN
cjfa-30902	141	5	is	be	AUX
cjfa-30902	141	6	banking	bank	VERB
cjfa-30902	141	7	channels	channel	NOUN
cjfa-30902	141	8	such	such	ADJ
cjfa-30902	141	9	as	as	ADP
cjfa-30902	141	10	atm	atm	PROPN
cjfa-30902	141	11	’s	’s	PART
cjfa-30902	141	12	,	,	PUNCT
cjfa-30902	141	13	mobile	mobile	ADJ
cjfa-30902	141	14	payment	payment	NOUN
cjfa-30902	141	15	,	,	PUNCT
cjfa-30902	141	16	call	call	NOUN
cjfa-30902	141	17	center	center	NOUN
cjfa-30902	141	18	,	,	PUNCT
cjfa-30902	141	19	mobile	mobile	ADJ
cjfa-30902	141	20	banking	banking	NOUN
cjfa-30902	141	21	,	,	PUNCT
cjfa-30902	141	22	internet	internet	NOUN
cjfa-30902	141	23	banking	banking	NOUN
cjfa-30902	141	24	,	,	PUNCT
cjfa-30902	141	25	pos	pos	NOUN
cjfa-30902	141	26	(	(	PUNCT
cjfa-30902	141	27	point	point	NOUN
cjfa-30902	141	28	of	of	ADP
cjfa-30902	141	29	sale	sale	NOUN
cjfa-30902	141	30	)	)	PUNCT
cjfa-30902	141	31	terminals	terminal	NOUN
cjfa-30902	141	32	and	and	CCONJ
cjfa-30902	141	33	branch	branch	NOUN
cjfa-30902	141	34	(	(	PUNCT
cjfa-30902	141	35	de	de	X
cjfa-30902	141	36	young	young	PROPN
cjfa-30902	141	37	,	,	PUNCT
cjfa-30902	141	38	lang	lang	PROPN
cjfa-30902	141	39	&	&	CCONJ
cjfa-30902	141	40	nolle	nolle	PROPN
cjfa-30902	141	41	,	,	PUNCT
cjfa-30902	141	42	2007	2007	NUM
cjfa-30902	141	43	;	;	PUNCT
cjfa-30902	141	44	ciciretti	ciciretti	PROPN
cjfa-30902	141	45	,	,	PUNCT
cjfa-30902	141	46	hasanand	hasanand	PROPN
cjfa-30902	141	47	&	&	CCONJ
cjfa-30902	141	48	zazzara	zazzara	PROPN
cjfa-30902	141	49	,	,	PUNCT
cjfa-30902	141	50	2009	2009	NUM
cjfa-30902	141	51	;	;	PUNCT
cjfa-30902	141	52	2	2	NUM
cjfa-30902	141	53	 	 	SPACE
cjfa-30902	141	54	this	this	DET
cjfa-30902	141	55	measurement	measurement	NOUN
cjfa-30902	141	56	of	of	ADP
cjfa-30902	141	57	the	the	DET
cjfa-30902	141	58	accounting	accounting	NOUN
cjfa-30902	141	59	performance	performance	NOUN
cjfa-30902	141	60	has	have	VERB
cjfa-30902	141	61	the	the	DET
cjfa-30902	141	62	advantage	advantage	NOUN
cjfa-30902	141	63	of	of	ADP
cjfa-30902	141	64	eliminating	eliminate	VERB
cjfa-30902	141	65	the	the	DET
cjfa-30902	141	66	effect	effect	NOUN
cjfa-30902	141	67	of	of	ADP
cjfa-30902	141	68	accounting	accounting	NOUN
cjfa-30902	141	69	choices	choice	NOUN
cjfa-30902	141	70	related	relate	VERB
cjfa-30902	141	71	to	to	ADP
cjfa-30902	141	72	the	the	DET
cjfa-30902	141	73	treatment	treatment	NOUN
cjfa-30902	141	74	of	of	ADP
cjfa-30902	141	75	r	r	NOUN
cjfa-30902	141	76	&	&	CCONJ
cjfa-30902	141	77	d	d	PROPN
cjfa-30902	141	78	in	in	ADP
cjfa-30902	141	79	the	the	DET
cjfa-30902	141	80	financial	financial	ADJ
cjfa-30902	141	81	statements	statement	NOUN
cjfa-30902	141	82	largely	largely	ADV
cjfa-30902	141	83	subject	subject	ADJ
cjfa-30902	141	84	to	to	ADP
cjfa-30902	141	85	the	the	DET
cjfa-30902	141	86	opportunism	opportunism	NOUN
cjfa-30902	141	87	of	of	ADP
cjfa-30902	141	88	managers	manager	NOUN
cjfa-30902	141	89	.	.	PUNCT
cjfa-30902	142	1	ghazi	ghazi	PROPN
cjfa-30902	142	2	zouari	zouari	PROPN
cjfa-30902	142	3	,	,	PUNCT
cjfa-30902	142	4	imen	imen	PROPN
cjfa-30902	142	5	abdelmalek86	abdelmalek86	VERB
cjfa-30902	142	6	usman	usman	PROPN
cjfa-30902	142	7	,	,	PUNCT
cjfa-30902	142	8	2016	2016	NUM
cjfa-30902	142	9	;	;	PUNCT
cjfa-30902	142	10	tunay	tunay	PROPN
cjfa-30902	142	11	,	,	PUNCT
cjfa-30902	142	12	tunay	tunay	PROPN
cjfa-30902	142	13	&	&	CCONJ
cjfa-30902	142	14	akhisar	akhisar	PROPN
cjfa-30902	142	15	,	,	PUNCT
cjfa-30902	142	16	2015	2015	NUM
cjfa-30902	142	17	)	)	PUNCT
cjfa-30902	142	18	.	.	PUNCT
cjfa-30902	143	1	the	the	DET
cjfa-30902	143	2	last	last	ADJ
cjfa-30902	143	3	measurement	measurement	NOUN
cjfa-30902	143	4	one	one	NUM
cjfa-30902	143	5	is	be	AUX
cjfa-30902	143	6	the	the	DET
cjfa-30902	143	7	financial	financial	ADJ
cjfa-30902	143	8	r&d	r&d	NOUN
cjfa-30902	143	9	intensity	intensity	NOUN
cjfa-30902	143	10	(	(	PUNCT
cjfa-30902	143	11	value	value	NOUN
cjfa-30902	143	12	added	add	VERB
cjfa-30902	143	13	)	)	PUNCT
cjfa-30902	143	14	and	and	CCONJ
cjfa-30902	143	15	the	the	DET
cjfa-30902	143	16	financial	financial	ADJ
cjfa-30902	143	17	r&d	r&d	NOUN
cjfa-30902	143	18	intensity	intensity	NOUN
cjfa-30902	143	19	(	(	PUNCT
cjfa-30902	143	20	cost	cost	NOUN
cjfa-30902	143	21	)	)	PUNCT
cjfa-30902	143	22	(	(	PUNCT
cjfa-30902	143	23	beck	beck	NOUN
cjfa-30902	143	24	et	et	PROPN
cjfa-30902	143	25	al	al	PROPN
cjfa-30902	143	26	.	.	PROPN
cjfa-30902	143	27	,	,	PUNCT
cjfa-30902	143	28	2016	2016	NUM
cjfa-30902	143	29	)	)	PUNCT
cjfa-30902	143	30	.	.	PUNCT
cjfa-30902	144	1	based	base	VERB
cjfa-30902	144	2	on	on	ADP
cjfa-30902	144	3	indicators	indicator	NOUN
cjfa-30902	144	4	of	of	ADP
cjfa-30902	144	5	oslo	oslo	PROPN
cjfa-30902	144	6	manuel	manuel	PROPN
cjfa-30902	144	7	via	via	ADP
cjfa-30902	144	8	the	the	DET
cjfa-30902	144	9	oecd	oecd	PROPN
cjfa-30902	144	10	/	/	SYM
cjfa-30902	144	11	eurostat	eurostat	PROPN
cjfa-30902	144	12	(	(	PUNCT
cjfa-30902	144	13	2005	2005	NUM
cjfa-30902	144	14	)	)	PUNCT
cjfa-30902	144	15	,	,	PUNCT
cjfa-30902	144	16	we	we	PRON
cjfa-30902	144	17	use	use	VERB
cjfa-30902	144	18	input	input	NOUN
cjfa-30902	144	19	ratios	ratio	NOUN
cjfa-30902	144	20	for	for	ADP
cjfa-30902	144	21	the	the	DET
cjfa-30902	144	22	purpose	purpose	NOUN
cjfa-30902	144	23	of	of	ADP
cjfa-30902	144	24	measuring	measure	VERB
cjfa-30902	144	25	the	the	DET
cjfa-30902	144	26	financial	financial	ADJ
cjfa-30902	144	27	innovation	innovation	NOUN
cjfa-30902	144	28	,	,	PUNCT
cjfa-30902	144	29	reflecting	reflect	VERB
cjfa-30902	144	30	the	the	DET
cjfa-30902	144	31	acquisition	acquisition	NOUN
cjfa-30902	144	32	of	of	ADP
cjfa-30902	144	33	capital	capital	NOUN
cjfa-30902	144	34	goods	good	NOUN
cjfa-30902	144	35	related	relate	VERB
cjfa-30902	144	36	to	to	ADP
cjfa-30902	144	37	innovation	innovation	NOUN
cjfa-30902	144	38	activities	activity	NOUN
cjfa-30902	144	39	.	.	PUNCT
cjfa-30902	145	1	these	these	DET
cjfa-30902	145	2	activities	activity	NOUN
cjfa-30902	145	3	include	include	VERB
cjfa-30902	145	4	,	,	PUNCT
cjfa-30902	145	5	on	on	ADP
cjfa-30902	145	6	the	the	DET
cjfa-30902	145	7	one	one	NUM
cjfa-30902	145	8	hand	hand	NOUN
cjfa-30902	145	9	,	,	PUNCT
cjfa-30902	145	10	the	the	DET
cjfa-30902	145	11	acquisition	acquisition	NOUN
cjfa-30902	145	12	of	of	ADP
cjfa-30902	145	13	external	external	ADJ
cjfa-30902	145	14	knowledge	knowledge	NOUN
cjfa-30902	145	15	and	and	CCONJ
cjfa-30902	145	16	technology	technology	NOUN
cjfa-30902	145	17	(	(	PUNCT
cjfa-30902	145	18	patents	patent	NOUN
cjfa-30902	145	19	,	,	PUNCT
cjfa-30902	145	20	licenses	license	NOUN
cjfa-30902	145	21	,	,	PUNCT
cjfa-30902	145	22	software	software	NOUN
cjfa-30902	145	23	,	,	PUNCT
cjfa-30902	145	24	trademarks	trademark	NOUN
cjfa-30902	145	25	…	…	PUNCT
cjfa-30902	145	26	)	)	PUNCT
cjfa-30902	145	27	and	and	CCONJ
cjfa-30902	145	28	,	,	PUNCT
cjfa-30902	145	29	on	on	ADP
cjfa-30902	145	30	the	the	DET
cjfa-30902	145	31	other	other	ADJ
cjfa-30902	145	32	hand	hand	NOUN
cjfa-30902	145	33	,	,	PUNCT
cjfa-30902	145	34	the	the	DET
cjfa-30902	145	35	acquisition	acquisition	NOUN
cjfa-30902	145	36	of	of	ADP
cjfa-30902	145	37	machinery	machinery	NOUN
cjfa-30902	145	38	,	,	PUNCT
cjfa-30902	145	39	equipment	equipment	NOUN
cjfa-30902	145	40	,	,	PUNCT
cjfa-30902	145	41	and	and	CCONJ
cjfa-30902	145	42	other	other	ADJ
cjfa-30902	145	43	capital	capital	NOUN
cjfa-30902	145	44	goods	good	NOUN
cjfa-30902	145	45	.	.	PUNCT
cjfa-30902	146	1	fininn	fininn	NOUN
cjfa-30902	146	2	is	be	AUX
cjfa-30902	146	3	the	the	DET
cjfa-30902	146	4	ratio	ratio	NOUN
cjfa-30902	146	5	of	of	ADP
cjfa-30902	146	6	the	the	DET
cjfa-30902	146	7	sum	sum	NOUN
cjfa-30902	146	8	of	of	ADP
cjfa-30902	146	9	tangible	tangible	ADJ
cjfa-30902	146	10	and	and	CCONJ
cjfa-30902	146	11	intangible	intangible	ADJ
cjfa-30902	146	12	assets	asset	NOUN
cjfa-30902	146	13	related	relate	VERB
cjfa-30902	146	14	to	to	ADP
cjfa-30902	146	15	innovation	innovation	NOUN
cjfa-30902	146	16	to	to	ADP
cjfa-30902	146	17	total	total	ADJ
cjfa-30902	146	18	assets	asset	NOUN
cjfa-30902	146	19	(	(	PUNCT
cjfa-30902	146	20	oecd	oecd	PROPN
cjfa-30902	146	21	,	,	PUNCT
cjfa-30902	146	22	2005	2005	NUM
cjfa-30902	146	23	;	;	PUNCT
cjfa-30902	146	24	beck	beck	PROPN
cjfa-30902	146	25	et	et	PROPN
cjfa-30902	146	26	al	al	PROPN
cjfa-30902	146	27	.	.	PROPN
cjfa-30902	146	28	,	,	PUNCT
cjfa-30902	146	29	2016	2016	NUM
cjfa-30902	146	30	)	)	PUNCT
cjfa-30902	146	31	.	.	PUNCT
cjfa-30902	147	1	mediating	mediate	VERB
cjfa-30902	147	2	variable	variable	NOUN
cjfa-30902	147	3	the	the	DET
cjfa-30902	147	4	stability	stability	NOUN
cjfa-30902	147	5	of	of	ADP
cjfa-30902	147	6	the	the	DET
cjfa-30902	147	7	bank	bank	NOUN
cjfa-30902	147	8	is	be	AUX
cjfa-30902	147	9	linked	link	VERB
cjfa-30902	147	10	to	to	ADP
cjfa-30902	147	11	an	an	DET
cjfa-30902	147	12	effective	effective	ADJ
cjfa-30902	147	13	risk	risk	NOUN
cjfa-30902	147	14	management	management	NOUN
cjfa-30902	147	15	through	through	ADP
cjfa-30902	147	16	applying	apply	VERB
cjfa-30902	147	17	regulatory	regulatory	ADJ
cjfa-30902	147	18	conditions	condition	NOUN
cjfa-30902	147	19	(	(	PUNCT
cjfa-30902	147	20	halim	halim	PROPN
cjfa-30902	147	21	,	,	PUNCT
cjfa-30902	147	22	mustika	mustika	NOUN
cjfa-30902	147	23	,	,	PUNCT
cjfa-30902	147	24	sari	sari	NOUN
cjfa-30902	147	25	,	,	PUNCT
cjfa-30902	147	26	anugerah	anugerah	PROPN
cjfa-30902	147	27	&	&	CCONJ
cjfa-30902	147	28	mohd	mohd	PROPN
cjfa-30902	147	29	-	-	PUNCT
cjfa-30902	147	30	sanusi	sanusi	NOUN
cjfa-30902	147	31	,	,	PUNCT
cjfa-30902	147	32	2017	2017	NUM
cjfa-30902	147	33	)	)	PUNCT
cjfa-30902	147	34	.	.	PUNCT
cjfa-30902	148	1	risk	risk	NOUN
cjfa-30902	148	2	management	management	NOUN
cjfa-30902	148	3	is	be	AUX
cjfa-30902	148	4	assessed	assess	VERB
cjfa-30902	148	5	in	in	ADP
cjfa-30902	148	6	two	two	NUM
cjfa-30902	148	7	different	different	ADJ
cjfa-30902	148	8	ways	way	NOUN
cjfa-30902	148	9	:	:	PUNCT
cjfa-30902	148	10	prudential	prudential	NOUN
cjfa-30902	148	11	and	and	CCONJ
cjfa-30902	148	12	operational	operational	ADJ
cjfa-30902	148	13	.	.	PUNCT
cjfa-30902	149	1	we	we	PRON
cjfa-30902	149	2	use	use	VERB
cjfa-30902	149	3	the	the	DET
cjfa-30902	149	4	prudential	prudential	ADJ
cjfa-30902	149	5	proxy	proxy	NOUN
cjfa-30902	149	6	on	on	ADP
cjfa-30902	149	7	the	the	DET
cjfa-30902	149	8	basis	basis	NOUN
cjfa-30902	149	9	of	of	ADP
cjfa-30902	149	10	the	the	DET
cjfa-30902	149	11	measure	measure	NOUN
cjfa-30902	149	12	applied	apply	VERB
cjfa-30902	149	13	on	on	ADP
cjfa-30902	149	14	the	the	DET
cjfa-30902	149	15	second	second	ADJ
cjfa-30902	149	16	basel	basel	PROPN
cjfa-30902	149	17	accords	accord	NOUN
cjfa-30902	149	18	by	by	ADP
cjfa-30902	149	19	basel	basel	PROPN
cjfa-30902	149	20	committee	committee	PROPN
cjfa-30902	149	21	(	(	PUNCT
cjfa-30902	149	22	el	el	PROPN
cjfa-30902	149	23	attar	attar	PROPN
cjfa-30902	149	24	&	&	CCONJ
cjfa-30902	149	25	atmani	atmani	PROPN
cjfa-30902	149	26	,	,	PUNCT
cjfa-30902	149	27	2015	2015	NUM
cjfa-30902	149	28	)	)	PUNCT
cjfa-30902	149	29	.	.	PUNCT
cjfa-30902	150	1	we	we	PRON
cjfa-30902	150	2	take	take	VERB
cjfa-30902	150	3	on	on	ADP
cjfa-30902	150	4	capital	capital	NOUN
cjfa-30902	150	5	adequacy	adequacy	NOUN
cjfa-30902	150	6	ratio	ratio	NOUN
cjfa-30902	150	7	(	(	PUNCT
cjfa-30902	150	8	car	car	NOUN
cjfa-30902	150	9	)	)	PUNCT
cjfa-30902	150	10	,	,	PUNCT
cjfa-30902	150	11	credit	credit	NOUN
cjfa-30902	150	12	risk	risk	NOUN
cjfa-30902	150	13	-	-	PUNCT
cjfa-30902	150	14	weighted	weight	VERB
cjfa-30902	150	15	asset	asset	NOUN
cjfa-30902	150	16	ratio	ratio	NOUN
cjfa-30902	150	17	(	(	PUNCT
cjfa-30902	150	18	crw	crw	PROPN
cjfa-30902	150	19	)	)	PUNCT
cjfa-30902	150	20	and	and	CCONJ
cjfa-30902	150	21	operational	operational	ADJ
cjfa-30902	150	22	risk	risk	NOUN
cjfa-30902	150	23	-	-	PUNCT
cjfa-30902	150	24	weighted	weight	VERB
cjfa-30902	150	25	asset	asset	NOUN
cjfa-30902	150	26	ratio	ratio	NOUN
cjfa-30902	150	27	(	(	PUNCT
cjfa-30902	150	28	orw	orw	ADJ
cjfa-30902	150	29	)	)	PUNCT
cjfa-30902	150	30	so	so	SCONJ
cjfa-30902	150	31	that	that	SCONJ
cjfa-30902	150	32	we	we	PRON
cjfa-30902	150	33	can	can	AUX
cjfa-30902	150	34	measure	measure	VERB
cjfa-30902	150	35	the	the	DET
cjfa-30902	150	36	bank	bank	NOUN
cjfa-30902	150	37	risk	risk	NOUN
cjfa-30902	150	38	management	management	NOUN
cjfa-30902	150	39	.	.	PUNCT
cjfa-30902	151	1	car	car	NOUN
cjfa-30902	151	2	is	be	AUX
cjfa-30902	151	3	a	a	DET
cjfa-30902	151	4	measure	measure	NOUN
cjfa-30902	151	5	of	of	ADP
cjfa-30902	151	6	the	the	DET
cjfa-30902	151	7	amount	amount	NOUN
cjfa-30902	151	8	of	of	ADP
cjfa-30902	151	9	bank	bank	NOUN
cjfa-30902	151	10	’s	’s	PART
cjfa-30902	151	11	core	core	NOUN
cjfa-30902	151	12	capital	capital	NOUN
cjfa-30902	151	13	expressed	express	VERB
cjfa-30902	151	14	as	as	ADP
cjfa-30902	151	15	a	a	DET
cjfa-30902	151	16	percentage	percentage	NOUN
cjfa-30902	151	17	of	of	ADP
cjfa-30902	151	18	its	its	PRON
cjfa-30902	151	19	risk	risk	NOUN
cjfa-30902	151	20	-	-	PUNCT
cjfa-30902	151	21	weighted	weight	VERB
cjfa-30902	151	22	asset	asset	NOUN
cjfa-30902	151	23	,	,	PUNCT
cjfa-30902	151	24	determining	determine	VERB
cjfa-30902	151	25	the	the	DET
cjfa-30902	151	26	bank	bank	NOUN
cjfa-30902	151	27	’s	’s	PART
cjfa-30902	151	28	capacity	capacity	NOUN
cjfa-30902	151	29	to	to	PART
cjfa-30902	151	30	meet	meet	VERB
cjfa-30902	151	31	liabilities	liability	NOUN
cjfa-30902	151	32	and	and	CCONJ
cjfa-30902	151	33	other	other	ADJ
cjfa-30902	151	34	risks	risk	NOUN
cjfa-30902	151	35	such	such	ADJ
cjfa-30902	151	36	as	as	ADP
cjfa-30902	151	37	credit	credit	NOUN
cjfa-30902	151	38	and	and	CCONJ
cjfa-30902	151	39	operational	operational	ADJ
cjfa-30902	151	40	risks	risk	NOUN
cjfa-30902	151	41	.	.	PUNCT
cjfa-30902	152	1	crw	crw	PROPN
cjfa-30902	152	2	is	be	AUX
cjfa-30902	152	3	the	the	DET
cjfa-30902	152	4	ratio	ratio	NOUN
cjfa-30902	152	5	of	of	ADP
cjfa-30902	152	6	credit	credit	NOUN
cjfa-30902	152	7	risk	risk	NOUN
cjfa-30902	152	8	-	-	PUNCT
cjfa-30902	152	9	weighted	weight	VERB
cjfa-30902	152	10	asset	asset	NOUN
cjfa-30902	152	11	to	to	AUX
cjfa-30902	152	12	total	total	ADJ
cjfa-30902	152	13	risk	risk	NOUN
cjfa-30902	152	14	-	-	PUNCT
cjfa-30902	152	15	weighted	weight	VERB
cjfa-30902	152	16	asset	asset	NOUN
cjfa-30902	152	17	.	.	PUNCT
cjfa-30902	153	1	orw	orw	PROPN
cjfa-30902	153	2	is	be	AUX
cjfa-30902	153	3	the	the	DET
cjfa-30902	153	4	ratio	ratio	NOUN
cjfa-30902	153	5	of	of	ADP
cjfa-30902	153	6	operational	operational	ADJ
cjfa-30902	153	7	risk	risk	NOUN
cjfa-30902	153	8	-	-	PUNCT
cjfa-30902	153	9	weighted	weight	VERB
cjfa-30902	153	10	asset	asset	NOUN
cjfa-30902	153	11	to	to	AUX
cjfa-30902	153	12	total	total	ADJ
cjfa-30902	153	13	risk	risk	NOUN
cjfa-30902	153	14	-	-	PUNCT
cjfa-30902	153	15	weighted	weight	VERB
cjfa-30902	153	16	asset	asset	NOUN
cjfa-30902	153	17	.	.	PUNCT
cjfa-30902	154	1	control	control	NOUN
cjfa-30902	154	2	variables	variables	PROPN
cjfa-30902	154	3	control	control	NOUN
cjfa-30902	154	4	variables	variable	NOUN
cjfa-30902	154	5	are	be	AUX
cjfa-30902	154	6	specific	specific	ADJ
cjfa-30902	154	7	to	to	ADP
cjfa-30902	154	8	banks	bank	NOUN
cjfa-30902	154	9	which	which	PRON
cjfa-30902	154	10	are	be	AUX
cjfa-30902	154	11	:	:	PUNCT
cjfa-30902	154	12	non	non	ADJ
cjfa-30902	154	13	-	-	ADJ
cjfa-30902	154	14	performing	performing	ADJ
cjfa-30902	154	15	loans	loan	NOUN
cjfa-30902	154	16	(	(	PUNCT
cjfa-30902	154	17	npls	npls	NOUN
cjfa-30902	154	18	)	)	PUNCT
cjfa-30902	154	19	as	as	ADP
cjfa-30902	154	20	the	the	DET
cjfa-30902	154	21	ratio	ratio	NOUN
cjfa-30902	154	22	of	of	ADP
cjfa-30902	154	23	non	non	ADJ
cjfa-30902	154	24	-	-	ADJ
cjfa-30902	154	25	performing	performing	ADJ
cjfa-30902	154	26	loans	loan	NOUN
cjfa-30902	154	27	to	to	ADP
cjfa-30902	154	28	total	total	ADJ
cjfa-30902	154	29	loans	loan	NOUN
cjfa-30902	154	30	,	,	PUNCT
cjfa-30902	154	31	liquidity	liquidity	NOUN
cjfa-30902	154	32	coverage	coverage	NOUN
cjfa-30902	154	33	ratio	ratio	NOUN
cjfa-30902	154	34	(	(	PUNCT
cjfa-30902	154	35	lcr	lcr	NOUN
cjfa-30902	154	36	)	)	PUNCT
cjfa-30902	154	37	as	as	ADP
cjfa-30902	154	38	liquid	liquid	ADJ
cjfa-30902	154	39	assets	asset	NOUN
cjfa-30902	154	40	to	to	ADP
cjfa-30902	154	41	liquid	liquid	ADJ
cjfa-30902	154	42	liabilities	liability	NOUN
cjfa-30902	154	43	,	,	PUNCT
cjfa-30902	154	44	operational	operational	ADJ
cjfa-30902	154	45	efficiency	efficiency	NOUN
cjfa-30902	154	46	(	(	PUNCT
cjfa-30902	154	47	oe	oe	NOUN
cjfa-30902	154	48	)	)	PUNCT
cjfa-30902	154	49	as	as	ADP
cjfa-30902	154	50	the	the	DET
cjfa-30902	154	51	ratio	ratio	NOUN
cjfa-30902	154	52	of	of	ADP
cjfa-30902	154	53	operating	operating	NOUN
cjfa-30902	154	54	incomes	income	NOUN
cjfa-30902	154	55	to	to	ADP
cjfa-30902	154	56	operating	operating	NOUN
cjfa-30902	154	57	expenses	expense	NOUN
cjfa-30902	154	58	(	(	PUNCT
cjfa-30902	154	59	malhotra	malhotra	PROPN
cjfa-30902	154	60	&	&	CCONJ
cjfa-30902	154	61	singh	singh	PROPN
cjfa-30902	154	62	,	,	PUNCT
cjfa-30902	154	63	2009	2009	NUM
cjfa-30902	154	64	;	;	PUNCT
cjfa-30902	154	65	arnaboldi	arnaboldi	PROPN
cjfa-30902	154	66	&	&	CCONJ
cjfa-30902	154	67	rossignoli	rossignoli	PROPN
cjfa-30902	154	68	,	,	PUNCT
cjfa-30902	154	69	2015	2015	NUM
cjfa-30902	154	70	;	;	PUNCT
cjfa-30902	154	71	piyananda	piyananda	ADV
cjfa-30902	154	72	,	,	PUNCT
cjfa-30902	154	73	chandrasena	chandrasena	PROPN
cjfa-30902	154	74	&	&	CCONJ
cjfa-30902	154	75	fernando	fernando	PROPN
cjfa-30902	154	76	,	,	PUNCT
cjfa-30902	154	77	2015	2015	NUM
cjfa-30902	154	78	)	)	PUNCT
cjfa-30902	154	79	.	.	PUNCT
cjfa-30902	155	1	financial	financial	ADJ
cjfa-30902	155	2	innovation	innovation	NOUN
cjfa-30902	155	3	,	,	PUNCT
cjfa-30902	155	4	risk	risk	NOUN
cjfa-30902	155	5	management	management	NOUN
cjfa-30902	155	6	,	,	PUNCT
cjfa-30902	155	7	and	and	CCONJ
cjfa-30902	155	8	bank	bank	NOUN
cjfa-30902	155	9	performance	performance	NOUN
cjfa-30902	155	10	87	87	NUM
cjfa-30902	155	11	regression	regression	NOUN
cjfa-30902	155	12	model	model	NOUN
cjfa-30902	155	13	specifications	specification	NOUN
cjfa-30902	155	14	the	the	DET
cjfa-30902	155	15	empirical	empirical	ADJ
cjfa-30902	155	16	study	study	NOUN
cjfa-30902	155	17	,	,	PUNCT
cjfa-30902	155	18	as	as	SCONJ
cjfa-30902	155	19	undertaken	undertake	VERB
cjfa-30902	155	20	in	in	ADP
cjfa-30902	155	21	our	our	PRON
cjfa-30902	155	22	work	work	NOUN
cjfa-30902	155	23	,	,	PUNCT
cjfa-30902	155	24	is	be	AUX
cjfa-30902	155	25	based	base	VERB
cjfa-30902	155	26	on	on	ADP
cjfa-30902	155	27	using	use	VERB
cjfa-30902	155	28	hierarchical	hierarchical	ADJ
cjfa-30902	155	29	regression	regression	NOUN
cjfa-30902	155	30	models3	models3	NOUN
cjfa-30902	155	31	for	for	ADP
cjfa-30902	155	32	the	the	DET
cjfa-30902	155	33	purpose	purpose	NOUN
cjfa-30902	155	34	of	of	ADP
cjfa-30902	155	35	testing	test	VERB
cjfa-30902	155	36	the	the	DET
cjfa-30902	155	37	research	research	NOUN
cjfa-30902	155	38	of	of	ADP
cjfa-30902	155	39	advanced	advanced	ADJ
cjfa-30902	155	40	hypotheses	hypothesis	NOUN
cjfa-30902	155	41	.	.	PUNCT
cjfa-30902	156	1	for	for	ADP
cjfa-30902	156	2	the	the	DET
cjfa-30902	156	3	assumptions	assumption	NOUN
cjfa-30902	156	4	made	make	VERB
cjfa-30902	156	5	to	to	PART
cjfa-30902	156	6	be	be	AUX
cjfa-30902	156	7	assessed	assess	VERB
cjfa-30902	156	8	via	via	ADP
cjfa-30902	156	9	a	a	DET
cjfa-30902	156	10	procedure	procedure	NOUN
cjfa-30902	156	11	achievable	achievable	ADJ
cjfa-30902	156	12	through	through	ADP
cjfa-30902	156	13	the	the	DET
cjfa-30902	156	14	construction	construction	NOUN
cjfa-30902	156	15	of	of	ADP
cjfa-30902	156	16	four	four	NUM
cjfa-30902	156	17	models	model	NOUN
cjfa-30902	156	18	,	,	PUNCT
cjfa-30902	156	19	it	it	PRON
cjfa-30902	156	20	seems	seem	VERB
cjfa-30902	156	21	necessary	necessary	ADJ
cjfa-30902	156	22	to	to	PART
cjfa-30902	156	23	test	test	VERB
cjfa-30902	156	24	the	the	DET
cjfa-30902	156	25	existence	existence	NOUN
cjfa-30902	156	26	of	of	ADP
cjfa-30902	156	27	a	a	DET
cjfa-30902	156	28	mediating	mediate	VERB
cjfa-30902	156	29	effect	effect	NOUN
cjfa-30902	156	30	.	.	PUNCT
cjfa-30902	157	1	baron	baron	NOUN
cjfa-30902	157	2	and	and	CCONJ
cjfa-30902	157	3	kenny	kenny	PROPN
cjfa-30902	157	4	(	(	PUNCT
cjfa-30902	157	5	1986	1986	NUM
cjfa-30902	157	6	)	)	PUNCT
cjfa-30902	157	7	consider	consider	VERB
cjfa-30902	157	8	four	four	NUM
cjfa-30902	157	9	conditions	condition	NOUN
cjfa-30902	157	10	for	for	ADP
cjfa-30902	157	11	a	a	DET
cjfa-30902	157	12	complete	complete	ADJ
cjfa-30902	157	13	mediating	mediate	VERB
cjfa-30902	157	14	effect	effect	NOUN
cjfa-30902	157	15	to	to	PART
cjfa-30902	157	16	be	be	AUX
cjfa-30902	157	17	checked	check	VERB
cjfa-30902	157	18	in	in	ADP
cjfa-30902	157	19	terms	term	NOUN
cjfa-30902	157	20	of	of	ADP
cjfa-30902	157	21	car	car	NOUN
cjfa-30902	157	22	,	,	PUNCT
cjfa-30902	157	23	crw	crw	PROPN
cjfa-30902	157	24	,	,	PUNCT
cjfa-30902	157	25	orw	orw	VERB
cjfa-30902	157	26	of	of	ADP
cjfa-30902	157	27	the	the	DET
cjfa-30902	157	28	fininnroa	fininnroa	NOUN
cjfa-30902	157	29	,	,	PUNCT
cjfa-30902	157	30	mtb	mtb	NOUN
cjfa-30902	157	31	relationship	relationship	NOUN
cjfa-30902	157	32	.	.	PUNCT
cjfa-30902	158	1	these	these	DET
cjfa-30902	158	2	conditions	condition	NOUN
cjfa-30902	158	3	are	be	AUX
cjfa-30902	158	4	the	the	DET
cjfa-30902	158	5	following	follow	VERB
cjfa-30902	158	6	:	:	PUNCT
cjfa-30902	158	7	(	(	PUNCT
cjfa-30902	158	8	1	1	X
cjfa-30902	158	9	)	)	PUNCT
cjfa-30902	158	10	the	the	DET
cjfa-30902	158	11	independent	independent	ADJ
cjfa-30902	158	12	variable	variable	NOUN
cjfa-30902	158	13	(	(	PUNCT
cjfa-30902	158	14	fininn	fininn	NOUN
cjfa-30902	158	15	)	)	PUNCT
cjfa-30902	158	16	has	have	AUX
cjfa-30902	158	17	a	a	DET
cjfa-30902	158	18	significant	significant	ADJ
cjfa-30902	158	19	impact	impact	NOUN
cjfa-30902	158	20	on	on	ADP
cjfa-30902	158	21	the	the	DET
cjfa-30902	158	22	bank	bank	NOUN
cjfa-30902	158	23	performance	performance	NOUN
cjfa-30902	158	24	(	(	PUNCT
cjfa-30902	158	25	roa	roa	NOUN
cjfa-30902	158	26	,	,	PUNCT
cjfa-30902	158	27	mtb	mtb	PROPN
cjfa-30902	158	28	)	)	PUNCT
cjfa-30902	158	29	.	.	PUNCT
cjfa-30902	159	1	(	(	PUNCT
cjfa-30902	159	2	2	2	X
cjfa-30902	159	3	)	)	PUNCT
cjfa-30902	159	4	the	the	DET
cjfa-30902	159	5	fininn	fininn	NOUN
cjfa-30902	159	6	significantly	significantly	ADV
cjfa-30902	159	7	influences	influence	VERB
cjfa-30902	159	8	the	the	DET
cjfa-30902	159	9	mediator	mediator	NOUN
cjfa-30902	159	10	variable	variable	NOUN
cjfa-30902	159	11	(	(	PUNCT
cjfa-30902	159	12	car	car	NOUN
cjfa-30902	159	13	,	,	PUNCT
cjfa-30902	159	14	crw	crw	PROPN
cjfa-30902	159	15	,	,	PUNCT
cjfa-30902	159	16	orw	orw	NOUN
cjfa-30902	159	17	)	)	PUNCT
cjfa-30902	159	18	.	.	PUNCT
cjfa-30902	160	1	(	(	PUNCT
cjfa-30902	160	2	3	3	X
cjfa-30902	160	3	)	)	PUNCT
cjfa-30902	160	4	when	when	SCONJ
cjfa-30902	160	5	the	the	DET
cjfa-30902	160	6	influence	influence	NOUN
cjfa-30902	160	7	of	of	ADP
cjfa-30902	160	8	car	car	NOUN
cjfa-30902	160	9	,	,	PUNCT
cjfa-30902	160	10	crw	crw	PROPN
cjfa-30902	160	11	,	,	PUNCT
cjfa-30902	160	12	orw	orw	VERB
cjfa-30902	160	13	on	on	ADP
cjfa-30902	160	14	the	the	DET
cjfa-30902	160	15	bank	bank	NOUN
cjfa-30902	160	16	performance	performance	NOUN
cjfa-30902	160	17	is	be	AUX
cjfa-30902	160	18	taken	take	VERB
cjfa-30902	160	19	into	into	ADP
cjfa-30902	160	20	account	account	NOUN
cjfa-30902	160	21	,	,	PUNCT
cjfa-30902	160	22	the	the	DET
cjfa-30902	160	23	fininn	fininn	NOUN
cjfa-30902	160	24	will	will	AUX
cjfa-30902	160	25	have	have	VERB
cjfa-30902	160	26	no	no	DET
cjfa-30902	160	27	significant	significant	ADJ
cjfa-30902	160	28	effect	effect	NOUN
cjfa-30902	160	29	on	on	ADP
cjfa-30902	160	30	performance	performance	NOUN
cjfa-30902	160	31	.	.	PUNCT
cjfa-30902	161	1	(	(	PUNCT
cjfa-30902	161	2	4	4	X
cjfa-30902	161	3	)	)	PUNCT
cjfa-30902	161	4	the	the	DET
cjfa-30902	161	5	direct	direct	ADJ
cjfa-30902	161	6	effect	effect	NOUN
cjfa-30902	161	7	of	of	ADP
cjfa-30902	161	8	fininn	fininn	NOUN
cjfa-30902	161	9	on	on	ADP
cjfa-30902	161	10	performance	performance	NOUN
cjfa-30902	161	11	should	should	AUX
cjfa-30902	161	12	be	be	AUX
cjfa-30902	161	13	null	null	ADJ
cjfa-30902	161	14	,	,	PUNCT
cjfa-30902	161	15	or	or	CCONJ
cjfa-30902	161	16	reduced	reduce	VERB
cjfa-30902	161	17	by	by	ADP
cjfa-30902	161	18	the	the	DET
cjfa-30902	161	19	insertion	insertion	NOUN
cjfa-30902	161	20	of	of	ADP
cjfa-30902	161	21	the	the	DET
cjfa-30902	161	22	mediator	mediator	NOUN
cjfa-30902	161	23	variable	variable	NOUN
cjfa-30902	161	24	in	in	ADP
cjfa-30902	161	25	order	order	NOUN
cjfa-30902	161	26	to	to	PART
cjfa-30902	161	27	deduce	deduce	VERB
cjfa-30902	161	28	its	its	PRON
cjfa-30902	161	29	mediating	mediate	VERB
cjfa-30902	161	30	impact	impact	NOUN
cjfa-30902	161	31	within	within	ADP
cjfa-30902	161	32	the	the	DET
cjfa-30902	161	33	relationship	relationship	NOUN
cjfa-30902	161	34	.	.	PUNCT
cjfa-30902	162	1	econometrically	econometrically	ADV
cjfa-30902	162	2	,	,	PUNCT
cjfa-30902	162	3	we	we	PRON
cjfa-30902	162	4	first	first	ADV
cjfa-30902	162	5	estimate	estimate	VERB
cjfa-30902	162	6	model	model	NOUN
cjfa-30902	162	7	1	1	NUM
cjfa-30902	162	8	with	with	ADP
cjfa-30902	162	9	the	the	DET
cjfa-30902	162	10	aim	aim	NOUN
cjfa-30902	162	11	of	of	ADP
cjfa-30902	162	12	testing	test	VERB
cjfa-30902	162	13	the	the	DET
cjfa-30902	162	14	direct	direct	ADJ
cjfa-30902	162	15	effect	effect	NOUN
cjfa-30902	162	16	of	of	ADP
cjfa-30902	162	17	fininn	fininn	NOUN
cjfa-30902	162	18	on	on	ADP
cjfa-30902	162	19	bank	bank	NOUN
cjfa-30902	162	20	performance	performance	NOUN
cjfa-30902	162	21	(	(	PUNCT
cjfa-30902	162	22	roa	roa	NOUN
cjfa-30902	162	23	,	,	PUNCT
cjfa-30902	162	24	mtb	mtb	PROPN
cjfa-30902	162	25	)	)	PUNCT
cjfa-30902	162	26	,	,	PUNCT
cjfa-30902	162	27	and	and	CCONJ
cjfa-30902	162	28	validating	validate	VERB
cjfa-30902	162	29	hypothesis	hypothesis	NOUN
cjfa-30902	162	30	(	(	PUNCT
cjfa-30902	162	31	h1	h1	PROPN
cjfa-30902	162	32	)	)	PUNCT
cjfa-30902	162	33	.	.	PUNCT
cjfa-30902	163	1	3	3	NUM
cjfa-30902	163	2	 	 	SPACE
cjfa-30902	163	3	in	in	ADP
cjfa-30902	163	4	this	this	DET
cjfa-30902	163	5	work	work	NOUN
cjfa-30902	163	6	,	,	PUNCT
cjfa-30902	163	7	the	the	DET
cjfa-30902	163	8	treatment	treatment	NOUN
cjfa-30902	163	9	of	of	ADP
cjfa-30902	163	10	mediating	mediate	VERB
cjfa-30902	163	11	variables	variable	NOUN
cjfa-30902	163	12	should	should	AUX
cjfa-30902	163	13	follow	follow	VERB
cjfa-30902	163	14	the	the	DET
cjfa-30902	163	15	approach	approach	NOUN
cjfa-30902	163	16	devised	devise	VERB
cjfa-30902	163	17	by	by	ADP
cjfa-30902	163	18	baron	baron	NOUN
cjfa-30902	163	19	and	and	CCONJ
cjfa-30902	163	20	kenny	kenny	PROPN
cjfa-30902	163	21	(	(	PUNCT
cjfa-30902	163	22	1986	1986	NUM
cjfa-30902	163	23	)	)	PUNCT
cjfa-30902	163	24	.	.	PUNCT
cjfa-30902	164	1	this	this	DET
cjfa-30902	164	2	framework	framework	NOUN
cjfa-30902	164	3	,	,	PUNCT
cjfa-30902	164	4	which	which	PRON
cjfa-30902	164	5	aims	aim	VERB
cjfa-30902	164	6	at	at	ADP
cjfa-30902	164	7	testing	test	VERB
cjfa-30902	164	8	the	the	DET
cjfa-30902	164	9	mediating	mediate	VERB
cjfa-30902	164	10	effect	effect	NOUN
cjfa-30902	164	11	,	,	PUNCT
cjfa-30902	164	12	is	be	AUX
cjfa-30902	164	13	implemented	implement	VERB
cjfa-30902	164	14	via	via	ADP
cjfa-30902	164	15	a	a	DET
cjfa-30902	164	16	multiple	multiple	ADJ
cjfa-30902	164	17	-	-	PUNCT
cjfa-30902	164	18	hierarchical	hierarchical	ADJ
cjfa-30902	164	19	regression	regression	NOUN
cjfa-30902	164	20	.	.	PUNCT
cjfa-30902	165	1	this	this	DET
cjfa-30902	165	2	analysis	analysis	NOUN
cjfa-30902	165	3	consists	consist	VERB
cjfa-30902	165	4	in	in	ADP
cjfa-30902	165	5	assessing	assess	VERB
cjfa-30902	165	6	the	the	DET
cjfa-30902	165	7	total	total	ADJ
cjfa-30902	165	8	effect	effect	NOUN
cjfa-30902	165	9	(	(	PUNCT
cjfa-30902	165	10	cumulative	cumulative	ADJ
cjfa-30902	165	11	)	)	PUNCT
cjfa-30902	165	12	of	of	ADP
cjfa-30902	165	13	the	the	DET
cjfa-30902	165	14	explanatory	explanatory	ADJ
cjfa-30902	165	15	variables	variable	NOUN
cjfa-30902	165	16	on	on	ADP
cjfa-30902	165	17	a	a	DET
cjfa-30902	165	18	certain	certain	ADJ
cjfa-30902	165	19	criterion	criterion	NOUN
cjfa-30902	165	20	.	.	PUNCT
cjfa-30902	166	1	the	the	DET
cjfa-30902	166	2	method	method	NOUN
cjfa-30902	166	3	can	can	AUX
cjfa-30902	166	4	be	be	AUX
cjfa-30902	166	5	performed	perform	VERB
cjfa-30902	166	6	on	on	ADP
cjfa-30902	166	7	the	the	DET
cjfa-30902	166	8	basis	basis	NOUN
cjfa-30902	166	9	of	of	ADP
cjfa-30902	166	10	several	several	ADJ
cjfa-30902	166	11	steps	step	NOUN
cjfa-30902	166	12	.	.	PUNCT
cjfa-30902	167	1	firstly	firstly	ADV
cjfa-30902	167	2	,	,	PUNCT
cjfa-30902	167	3	it	it	PRON
cjfa-30902	167	4	undertakes	undertake	VERB
cjfa-30902	167	5	to	to	PART
cjfa-30902	167	6	test	test	VERB
cjfa-30902	167	7	the	the	DET
cjfa-30902	167	8	predictor	predictor	NOUN
cjfa-30902	167	9	effect	effect	NOUN
cjfa-30902	167	10	(	(	PUNCT
cjfa-30902	167	11	independent	independent	ADJ
cjfa-30902	167	12	variable	variable	NOUN
cjfa-30902	167	13	)	)	PUNCT
cjfa-30902	167	14	firstly	firstly	ADV
cjfa-30902	167	15	on	on	ADP
cjfa-30902	167	16	the	the	DET
cjfa-30902	167	17	criterion	criterion	NOUN
cjfa-30902	167	18	(	(	PUNCT
cjfa-30902	167	19	dependent	dependent	ADJ
cjfa-30902	167	20	variable	variable	NOUN
cjfa-30902	167	21	)	)	PUNCT
cjfa-30902	167	22	,	,	PUNCT
cjfa-30902	167	23	and	and	CCONJ
cjfa-30902	167	24	secondly	secondly	ADV
cjfa-30902	167	25	on	on	ADP
cjfa-30902	167	26	the	the	DET
cjfa-30902	167	27	mediator	mediator	NOUN
cjfa-30902	167	28	using	use	VERB
cjfa-30902	167	29	partial	partial	ADJ
cjfa-30902	167	30	and	and	CCONJ
cjfa-30902	167	31	simple	simple	ADJ
cjfa-30902	167	32	regressions	regression	NOUN
cjfa-30902	167	33	.	.	PUNCT
cjfa-30902	168	1	then	then	ADV
cjfa-30902	168	2	,	,	PUNCT
cjfa-30902	168	3	the	the	DET
cjfa-30902	168	4	other	other	ADJ
cjfa-30902	168	5	relationship	relationship	NOUN
cjfa-30902	168	6	has	have	VERB
cjfa-30902	168	7	to	to	PART
cjfa-30902	168	8	be	be	AUX
cjfa-30902	168	9	tested	test	VERB
cjfa-30902	168	10	(	(	PUNCT
cjfa-30902	168	11	predictor	predictor	NOUN
cjfa-30902	168	12	and	and	CCONJ
cjfa-30902	168	13	mediator	mediator	NOUN
cjfa-30902	168	14	on	on	ADP
cjfa-30902	168	15	the	the	DET
cjfa-30902	168	16	criterion	criterion	NOUN
cjfa-30902	168	17	)	)	PUNCT
cjfa-30902	168	18	.	.	PUNCT
cjfa-30902	169	1	in	in	ADP
cjfa-30902	169	2	this	this	DET
cjfa-30902	169	3	case	case	NOUN
cjfa-30902	169	4	,	,	PUNCT
cjfa-30902	169	5	a	a	DET
cjfa-30902	169	6	multiple	multiple	ADJ
cjfa-30902	169	7	-	-	PUNCT
cjfa-30902	169	8	hierarchical	hierarchical	ADJ
cjfa-30902	169	9	regression	regression	NOUN
cjfa-30902	169	10	has	have	VERB
cjfa-30902	169	11	to	to	PART
cjfa-30902	169	12	be	be	AUX
cjfa-30902	169	13	applied	apply	VERB
cjfa-30902	169	14	.	.	PUNCT
cjfa-30902	170	1	it	it	PRON
cjfa-30902	170	2	consists	consist	VERB
cjfa-30902	170	3	in	in	ADP
cjfa-30902	170	4	gradually	gradually	ADV
cjfa-30902	170	5	introducing	introduce	VERB
cjfa-30902	170	6	certain	certain	ADJ
cjfa-30902	170	7	independent	independent	ADJ
cjfa-30902	170	8	variables	variable	NOUN
cjfa-30902	170	9	into	into	ADP
cjfa-30902	170	10	the	the	DET
cjfa-30902	170	11	regression	regression	NOUN
cjfa-30902	170	12	equation	equation	NOUN
cjfa-30902	170	13	:	:	PUNCT
cjfa-30902	170	14	starting	start	VERB
cjfa-30902	170	15	with	with	ADP
cjfa-30902	170	16	the	the	DET
cjfa-30902	170	17	predictor	predictor	NOUN
cjfa-30902	170	18	and	and	CCONJ
cjfa-30902	170	19	control	control	NOUN
cjfa-30902	170	20	variables	variable	NOUN
cjfa-30902	170	21	(	(	PUNCT
cjfa-30902	170	22	step	step	NOUN
cjfa-30902	170	23	1	1	NUM
cjfa-30902	170	24	)	)	PUNCT
cjfa-30902	170	25	,	,	PUNCT
cjfa-30902	170	26	and	and	CCONJ
cjfa-30902	170	27	then	then	ADV
cjfa-30902	170	28	the	the	DET
cjfa-30902	170	29	mediating	mediate	VERB
cjfa-30902	170	30	variable	variable	NOUN
cjfa-30902	170	31	(	(	PUNCT
cjfa-30902	170	32	step	step	NOUN
cjfa-30902	170	33	2	2	NUM
cjfa-30902	170	34	)	)	PUNCT
cjfa-30902	170	35	.	.	PUNCT
cjfa-30902	171	1	upon	upon	SCONJ
cjfa-30902	171	2	reaching	reach	VERB
cjfa-30902	171	3	an	an	DET
cjfa-30902	171	4	increase	increase	NOUN
cjfa-30902	171	5	in	in	ADP
cjfa-30902	171	6	the	the	DET
cjfa-30902	171	7	adjusted	adjust	VERB
cjfa-30902	171	8	r²	r²	NOUN
cjfa-30902	171	9	after	after	ADP
cjfa-30902	171	10	inserting	insert	VERB
cjfa-30902	171	11	the	the	DET
cjfa-30902	171	12	mediator	mediator	NOUN
cjfa-30902	171	13	,	,	PUNCT
cjfa-30902	171	14	it	it	PRON
cjfa-30902	171	15	will	will	AUX
cjfa-30902	171	16	be	be	AUX
cjfa-30902	171	17	possible	possible	ADJ
cjfa-30902	171	18	to	to	PART
cjfa-30902	171	19	assume	assume	VERB
cjfa-30902	171	20	the	the	DET
cjfa-30902	171	21	mediator	mediator	NOUN
cjfa-30902	171	22	effect	effect	NOUN
cjfa-30902	171	23	on	on	ADP
cjfa-30902	171	24	the	the	DET
cjfa-30902	171	25	relationship	relationship	NOUN
cjfa-30902	171	26	between	between	ADP
cjfa-30902	171	27	the	the	DET
cjfa-30902	171	28	predictor	predictor	NOUN
cjfa-30902	171	29	and	and	CCONJ
cjfa-30902	171	30	the	the	DET
cjfa-30902	171	31	criterion	criterion	NOUN
cjfa-30902	171	32	,	,	PUNCT
cjfa-30902	171	33	zouari	zouari	ADJ
cjfa-30902	171	34	and	and	CCONJ
cjfa-30902	171	35	zouari	zouari	ADJ
cjfa-30902	171	36	-	-	PUNCT
cjfa-30902	171	37	hadiji	hadiji	PROPN
cjfa-30902	171	38	(	(	PUNCT
cjfa-30902	171	39	2014a	2014a	NUM
cjfa-30902	171	40	;	;	PUNCT
cjfa-30902	171	41	2014b	2014b	NUM
cjfa-30902	171	42	)	)	PUNCT
cjfa-30902	171	43	.	.	PUNCT
cjfa-30902	172	1	ghazi	ghazi	PROPN
cjfa-30902	172	2	zouari	zouari	PROPN
cjfa-30902	172	3	,	,	PUNCT
cjfa-30902	172	4	imen	iman	NOUN
cjfa-30902	172	5	abdelmalek88	abdelmalek88	NOUN
cjfa-30902	172	6	assumptions	assumption	NOUN
cjfa-30902	172	7	made	make	VERB
cjfa-30902	172	8	to	to	PART
cjfa-30902	172	9	be	be	AUX
cjfa-30902	172	10	assessed	assess	VERB
cjfa-30902	172	11	via	via	ADP
cjfa-30902	172	12	a	a	DET
cjfa-30902	172	13	procedure	procedure	NOUN
cjfa-30902	172	14	achievable	achievable	ADJ
cjfa-30902	172	15	through	through	ADP
cjfa-30902	172	16	the	the	DET
cjfa-30902	172	17	construction	construction	NOUN
cjfa-30902	172	18	of	of	ADP
cjfa-30902	172	19	four	four	NUM
cjfa-30902	172	20	models	model	NOUN
cjfa-30902	172	21	,	,	PUNCT
cjfa-30902	172	22	it	it	PRON
cjfa-30902	172	23	seems	seem	VERB
cjfa-30902	172	24	necessary	necessary	ADJ
cjfa-30902	172	25	to	to	PART
cjfa-30902	172	26	test	test	VERB
cjfa-30902	172	27	the	the	DET
cjfa-30902	172	28	existence	existence	NOUN
cjfa-30902	172	29	of	of	ADP
cjfa-30902	172	30	a	a	DET
cjfa-30902	172	31	mediating	mediate	VERB
cjfa-30902	172	32	effect	effect	NOUN
cjfa-30902	172	33	.	.	PUNCT
cjfa-30902	173	1	baron	baron	NOUN
cjfa-30902	173	2	and	and	CCONJ
cjfa-30902	173	3	kenny	kenny	PROPN
cjfa-30902	173	4	(	(	PUNCT
cjfa-30902	173	5	1986	1986	NUM
cjfa-30902	173	6	)	)	PUNCT
cjfa-30902	173	7	consider	consider	VERB
cjfa-30902	173	8	four	four	NUM
cjfa-30902	173	9	conditions	condition	NOUN
cjfa-30902	173	10	for	for	ADP
cjfa-30902	173	11	a	a	DET
cjfa-30902	173	12	complete	complete	ADJ
cjfa-30902	173	13	mediating	mediate	VERB
cjfa-30902	173	14	effect	effect	NOUN
cjfa-30902	173	15	to	to	PART
cjfa-30902	173	16	be	be	AUX
cjfa-30902	173	17	checked	check	VERB
cjfa-30902	173	18	in	in	ADP
cjfa-30902	173	19	terms	term	NOUN
cjfa-30902	173	20	of	of	ADP
cjfa-30902	173	21	car	car	NOUN
cjfa-30902	173	22	,	,	PUNCT
cjfa-30902	173	23	crw	crw	PROPN
cjfa-30902	173	24	,	,	PUNCT
cjfa-30902	173	25	orw	orw	VERB
cjfa-30902	173	26	of	of	ADP
cjfa-30902	173	27	the	the	DET
cjfa-30902	173	28	fininnroa	fininnroa	NOUN
cjfa-30902	173	29	,	,	PUNCT
cjfa-30902	173	30	mtb	mtb	NOUN
cjfa-30902	173	31	relationship	relationship	NOUN
cjfa-30902	173	32	.	.	PUNCT
cjfa-30902	174	1	these	these	DET
cjfa-30902	174	2	conditions	condition	NOUN
cjfa-30902	174	3	are	be	AUX
cjfa-30902	174	4	the	the	DET
cjfa-30902	174	5	following	follow	VERB
cjfa-30902	174	6	:	:	PUNCT
cjfa-30902	174	7	(	(	PUNCT
cjfa-30902	174	8	1	1	X
cjfa-30902	174	9	)	)	PUNCT
cjfa-30902	174	10	the	the	DET
cjfa-30902	174	11	independent	independent	ADJ
cjfa-30902	174	12	variable	variable	NOUN
cjfa-30902	174	13	(	(	PUNCT
cjfa-30902	174	14	fininn	fininn	NOUN
cjfa-30902	174	15	)	)	PUNCT
cjfa-30902	174	16	has	have	AUX
cjfa-30902	174	17	a	a	DET
cjfa-30902	174	18	significant	significant	ADJ
cjfa-30902	174	19	impact	impact	NOUN
cjfa-30902	174	20	on	on	ADP
cjfa-30902	174	21	the	the	DET
cjfa-30902	174	22	bank	bank	NOUN
cjfa-30902	174	23	performance	performance	NOUN
cjfa-30902	174	24	(	(	PUNCT
cjfa-30902	174	25	roa	roa	NOUN
cjfa-30902	174	26	,	,	PUNCT
cjfa-30902	174	27	mtb	mtb	PROPN
cjfa-30902	174	28	)	)	PUNCT
cjfa-30902	174	29	.	.	PUNCT
cjfa-30902	175	1	(	(	PUNCT
cjfa-30902	175	2	2	2	X
cjfa-30902	175	3	)	)	PUNCT
cjfa-30902	175	4	the	the	DET
cjfa-30902	175	5	fininn	fininn	NOUN
cjfa-30902	175	6	significantly	significantly	ADV
cjfa-30902	175	7	influences	influence	VERB
cjfa-30902	175	8	the	the	DET
cjfa-30902	175	9	mediator	mediator	NOUN
cjfa-30902	175	10	variable	variable	NOUN
cjfa-30902	175	11	(	(	PUNCT
cjfa-30902	175	12	car	car	NOUN
cjfa-30902	175	13	,	,	PUNCT
cjfa-30902	175	14	crw	crw	PROPN
cjfa-30902	175	15	,	,	PUNCT
cjfa-30902	175	16	orw	orw	NOUN
cjfa-30902	175	17	)	)	PUNCT
cjfa-30902	175	18	.	.	PUNCT
cjfa-30902	176	1	(	(	PUNCT
cjfa-30902	176	2	3	3	X
cjfa-30902	176	3	)	)	PUNCT
cjfa-30902	176	4	when	when	SCONJ
cjfa-30902	176	5	the	the	DET
cjfa-30902	176	6	influence	influence	NOUN
cjfa-30902	176	7	of	of	ADP
cjfa-30902	176	8	car	car	NOUN
cjfa-30902	176	9	,	,	PUNCT
cjfa-30902	176	10	crw	crw	PROPN
cjfa-30902	176	11	,	,	PUNCT
cjfa-30902	176	12	orw	orw	VERB
cjfa-30902	176	13	on	on	ADP
cjfa-30902	176	14	the	the	DET
cjfa-30902	176	15	bank	bank	NOUN
cjfa-30902	176	16	performance	performance	NOUN
cjfa-30902	176	17	is	be	AUX
cjfa-30902	176	18	taken	take	VERB
cjfa-30902	176	19	into	into	ADP
cjfa-30902	176	20	account	account	NOUN
cjfa-30902	176	21	,	,	PUNCT
cjfa-30902	176	22	the	the	DET
cjfa-30902	176	23	fininn	fininn	NOUN
cjfa-30902	176	24	will	will	AUX
cjfa-30902	176	25	have	have	VERB
cjfa-30902	176	26	no	no	DET
cjfa-30902	176	27	significant	significant	ADJ
cjfa-30902	176	28	effect	effect	NOUN
cjfa-30902	176	29	on	on	ADP
cjfa-30902	176	30	performance	performance	NOUN
cjfa-30902	176	31	.	.	PUNCT
cjfa-30902	177	1	(	(	PUNCT
cjfa-30902	177	2	4	4	X
cjfa-30902	177	3	)	)	PUNCT
cjfa-30902	177	4	the	the	DET
cjfa-30902	177	5	direct	direct	ADJ
cjfa-30902	177	6	effect	effect	NOUN
cjfa-30902	177	7	of	of	ADP
cjfa-30902	177	8	fininn	fininn	NOUN
cjfa-30902	177	9	on	on	ADP
cjfa-30902	177	10	performance	performance	NOUN
cjfa-30902	177	11	should	should	AUX
cjfa-30902	177	12	be	be	AUX
cjfa-30902	177	13	null	null	ADJ
cjfa-30902	177	14	,	,	PUNCT
cjfa-30902	177	15	or	or	CCONJ
cjfa-30902	177	16	reduced	reduce	VERB
cjfa-30902	177	17	by	by	ADP
cjfa-30902	177	18	the	the	DET
cjfa-30902	177	19	insertion	insertion	NOUN
cjfa-30902	177	20	of	of	ADP
cjfa-30902	177	21	the	the	DET
cjfa-30902	177	22	mediator	mediator	NOUN
cjfa-30902	177	23	variable	variable	NOUN
cjfa-30902	177	24	in	in	ADP
cjfa-30902	177	25	order	order	NOUN
cjfa-30902	177	26	to	to	PART
cjfa-30902	177	27	deduce	deduce	VERB
cjfa-30902	177	28	its	its	PRON
cjfa-30902	177	29	mediating	mediate	VERB
cjfa-30902	177	30	impact	impact	NOUN
cjfa-30902	177	31	within	within	ADP
cjfa-30902	177	32	the	the	DET
cjfa-30902	177	33	relationship	relationship	NOUN
cjfa-30902	177	34	.	.	PUNCT
cjfa-30902	178	1	econometrically	econometrically	ADV
cjfa-30902	178	2	,	,	PUNCT
cjfa-30902	178	3	we	we	PRON
cjfa-30902	178	4	first	first	ADV
cjfa-30902	178	5	estimate	estimate	VERB
cjfa-30902	178	6	model	model	NOUN
cjfa-30902	178	7	1	1	NUM
cjfa-30902	178	8	with	with	ADP
cjfa-30902	178	9	the	the	DET
cjfa-30902	178	10	aim	aim	NOUN
cjfa-30902	178	11	of	of	ADP
cjfa-30902	178	12	testing	test	VERB
cjfa-30902	178	13	the	the	DET
cjfa-30902	178	14	direct	direct	ADJ
cjfa-30902	178	15	effect	effect	NOUN
cjfa-30902	178	16	of	of	ADP
cjfa-30902	178	17	fininn	fininn	NOUN
cjfa-30902	178	18	on	on	ADP
cjfa-30902	178	19	bank	bank	NOUN
cjfa-30902	178	20	performance	performance	NOUN
cjfa-30902	178	21	(	(	PUNCT
cjfa-30902	178	22	roa	roa	NOUN
cjfa-30902	178	23	,	,	PUNCT
cjfa-30902	178	24	mtb	mtb	PROPN
cjfa-30902	178	25	)	)	PUNCT
cjfa-30902	178	26	,	,	PUNCT
cjfa-30902	178	27	and	and	CCONJ
cjfa-30902	178	28	validating	validate	VERB
cjfa-30902	178	29	hypothesis	hypothesis	NOUN
cjfa-30902	178	30	(	(	PUNCT
cjfa-30902	178	31	h1	h1	PROPN
cjfa-30902	178	32	)	)	PUNCT
cjfa-30902	178	33	.	.	PUNCT
cjfa-30902	179	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	179	2	�	�	PROPN
cjfa-30902	179	3	�	�	PROPN
cjfa-30902	179	4	=	=	PUNCT
cjfa-30902	179	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	179	6	𝛼	𝛼	PROPN
cjfa-30902	179	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	179	8	�	�	PROPN
cjfa-30902	179	9	�	�	PROPN
cjfa-30902	179	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	179	11	�	�	PROPN
cjfa-30902	179	12	�	�	PROPN
cjfa-30902	179	13	𝛼	𝛼	PROPN
cjfa-30902	179	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	179	15	�	�	PROPN
cjfa-30902	179	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	179	17	�	�	PROPN
cjfa-30902	179	18	�	�	PROPN
cjfa-30902	179	19	𝛼	𝛼	PROPN
cjfa-30902	179	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	179	21	�	�	PROPN
cjfa-30902	179	22	�	�	PROPN
cjfa-30902	179	23	second	second	NOUN
cjfa-30902	179	24	,	,	PUNCT
cjfa-30902	179	25	we	we	PRON
cjfa-30902	179	26	estimate	estimate	VERB
cjfa-30902	179	27	the	the	DET
cjfa-30902	179	28	relationship	relationship	NOUN
cjfa-30902	179	29	between	between	ADP
cjfa-30902	179	30	fininn	fininn	NOUN
cjfa-30902	179	31	and	and	CCONJ
cjfa-30902	179	32	risk	risk	NOUN
cjfa-30902	179	33	management	management	NOUN
cjfa-30902	179	34	(	(	PUNCT
cjfa-30902	179	35	car	car	NOUN
cjfa-30902	179	36	,	,	PUNCT
cjfa-30902	179	37	crw	crw	PROPN
cjfa-30902	179	38	,	,	PUNCT
cjfa-30902	179	39	orw	orw	ADJ
cjfa-30902	179	40	)	)	PUNCT
cjfa-30902	179	41	so	so	SCONJ
cjfa-30902	179	42	as	as	SCONJ
cjfa-30902	179	43	to	to	PART
cjfa-30902	179	44	validate	validate	VERB
cjfa-30902	179	45	hypothesis	hypothesis	NOUN
cjfa-30902	179	46	(	(	PUNCT
cjfa-30902	179	47	h2	h2	NOUN
cjfa-30902	179	48	)	)	PUNCT
cjfa-30902	179	49	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	179	50	�	�	PROPN
cjfa-30902	179	51	�	�	PROPN
cjfa-30902	179	52	=	=	PUNCT
cjfa-30902	179	53	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	179	54	𝛼	𝛼	PROPN
cjfa-30902	179	55	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	179	56	�	�	PROPN
cjfa-30902	179	57	�	�	PROPN
cjfa-30902	179	58	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	179	59	�	�	PROPN
cjfa-30902	179	60	�	�	PROPN
cjfa-30902	179	61	𝛼	𝛼	PROPN
cjfa-30902	179	62	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	179	63	�	�	PROPN
cjfa-30902	179	64	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	179	65	�	�	PROPN
cjfa-30902	179	66	�	�	PROPN
cjfa-30902	179	67	𝛼	𝛼	PROPN
cjfa-30902	179	68	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	179	69	�	�	PROPN
cjfa-30902	179	70	�	�	PROPN
cjfa-30902	179	71	afterwards	afterwards	ADV
cjfa-30902	179	72	,	,	PUNCT
cjfa-30902	179	73	we	we	PRON
cjfa-30902	179	74	estimate	estimate	VERB
cjfa-30902	179	75	the	the	DET
cjfa-30902	179	76	relationship	relationship	NOUN
cjfa-30902	179	77	between	between	ADP
cjfa-30902	179	78	risk	risk	NOUN
cjfa-30902	179	79	management	management	NOUN
cjfa-30902	179	80	(	(	PUNCT
cjfa-30902	179	81	car	car	NOUN
cjfa-30902	179	82	,	,	PUNCT
cjfa-30902	179	83	crw	crw	PROPN
cjfa-30902	179	84	,	,	PUNCT
cjfa-30902	179	85	orw	orw	ADJ
cjfa-30902	179	86	)	)	PUNCT
cjfa-30902	179	87	and	and	CCONJ
cjfa-30902	179	88	bank	bank	NOUN
cjfa-30902	179	89	performance	performance	NOUN
cjfa-30902	179	90	(	(	PUNCT
cjfa-30902	179	91	roa	roa	PROPN
cjfa-30902	179	92	,	,	PUNCT
cjfa-30902	179	93	mtb	mtb	PROPN
cjfa-30902	179	94	)	)	PUNCT
cjfa-30902	179	95	for	for	ADP
cjfa-30902	179	96	validating	validate	VERB
cjfa-30902	179	97	hypothesis	hypothesis	NOUN
cjfa-30902	179	98	(	(	PUNCT
cjfa-30902	179	99	h3	h3	NOUN
cjfa-30902	179	100	)	)	PUNCT
cjfa-30902	180	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	180	2	�	�	PROPN
cjfa-30902	180	3	�	�	PROPN
cjfa-30902	180	4	=	=	PUNCT
cjfa-30902	180	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	180	6	𝛼	𝛼	PROPN
cjfa-30902	180	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	180	8	�	�	PROPN
cjfa-30902	180	9	�	�	PROPN
cjfa-30902	180	10	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	180	11	�	�	PROPN
cjfa-30902	180	12	�	�	PROPN
cjfa-30902	180	13	𝛼	𝛼	PROPN
cjfa-30902	180	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	180	15	�	�	PROPN
cjfa-30902	180	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	180	17	�	�	PROPN
cjfa-30902	180	18	�	�	PROPN
cjfa-30902	180	19	𝛼	𝛼	PROPN
cjfa-30902	180	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	180	21	�	�	PROPN
cjfa-30902	180	22	�	�	PROPN
cjfa-30902	180	23	eventually	eventually	ADV
cjfa-30902	180	24	,	,	PUNCT
cjfa-30902	180	25	we	we	PRON
cjfa-30902	180	26	examine	examine	VERB
cjfa-30902	180	27	the	the	DET
cjfa-30902	180	28	indirect	indirect	ADJ
cjfa-30902	180	29	relationship	relationship	NOUN
cjfa-30902	180	30	between	between	ADP
cjfa-30902	180	31	fininn	fininn	NOUN
cjfa-30902	180	32	and	and	CCONJ
cjfa-30902	180	33	bank	bank	NOUN
cjfa-30902	180	34	performance	performance	NOUN
cjfa-30902	180	35	(	(	PUNCT
cjfa-30902	180	36	roe	roe	NOUN
cjfa-30902	180	37	,	,	PUNCT
cjfa-30902	180	38	mtb	mtb	PROPN
cjfa-30902	180	39	)	)	PUNCT
cjfa-30902	180	40	,	,	PUNCT
cjfa-30902	180	41	using	use	VERB
cjfa-30902	180	42	the	the	DET
cjfa-30902	180	43	effect	effect	NOUN
cjfa-30902	180	44	of	of	ADP
cjfa-30902	180	45	risk	risk	NOUN
cjfa-30902	180	46	management	management	NOUN
cjfa-30902	180	47	(	(	PUNCT
cjfa-30902	180	48	car	car	NOUN
cjfa-30902	180	49	,	,	PUNCT
cjfa-30902	180	50	crw	crw	PROPN
cjfa-30902	180	51	,	,	PUNCT
cjfa-30902	180	52	orw	orw	ADJ
cjfa-30902	180	53	)	)	PUNCT
cjfa-30902	181	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	181	2	�	�	PROPN
cjfa-30902	181	3	�	�	PROPN
cjfa-30902	181	4	=	=	PUNCT
cjfa-30902	181	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	181	6	𝛼	𝛼	PROPN
cjfa-30902	181	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	181	8	�	�	PROPN
cjfa-30902	181	9	�	�	PROPN
cjfa-30902	181	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	181	11	�	�	PROPN
cjfa-30902	181	12	�	�	PROPN
cjfa-30902	181	13	𝛼	𝛼	PROPN
cjfa-30902	181	14	𝛾𝛾	𝛾𝛾	PROPN
cjfa-30902	181	15	�	�	PROPN
cjfa-30902	181	16	�	�	PROPN
cjfa-30902	181	17	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	181	18	�	�	PROPN
cjfa-30902	181	19	�	�	PROPN
cjfa-30902	181	20	𝛼	𝛼	PROPN
cjfa-30902	181	21	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	181	22	�	�	PROPN
cjfa-30902	181	23	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	181	24	�	�	PROPN
cjfa-30902	181	25	�	�	PROPN
cjfa-30902	181	26	𝛼	𝛼	PROPN
cjfa-30902	181	27	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	181	28	�	�	PROPN
cjfa-30902	181	29	�	�	PROPN
cjfa-30902	181	30	(	(	PUNCT
cjfa-30902	181	31	𝐻𝐻𝐻𝐻	𝐻𝐻𝐻𝐻	PROPN
cjfa-30902	181	32	pit	pit	NOUN
cjfa-30902	181	33	=	=	VERB
cjfa-30902	181	34	bank	bank	NOUN
cjfa-30902	181	35	performance	performance	NOUN
cjfa-30902	181	36	measured	measure	VERB
cjfa-30902	181	37	by	by	ADP
cjfa-30902	181	38	roait	roait	NOUN
cjfa-30902	181	39	and	and	CCONJ
cjfa-30902	181	40	mtbit	mtbit	VERB
cjfa-30902	181	41	ratios	ratio	NOUN
cjfa-30902	181	42	fininnit	fininnit	NOUN
cjfa-30902	181	43	=	=	PUNCT
cjfa-30902	181	44	financial	financial	ADJ
cjfa-30902	181	45	innovation	innovation	NOUN
cjfa-30902	181	46	measured	measure	VERB
cjfa-30902	181	47	by	by	ADP
cjfa-30902	181	48	the	the	DET
cjfa-30902	181	49	ratio	ratio	NOUN
cjfa-30902	181	50	=	=	PUNCT
cjfa-30902	181	51	sum	sum	NOUN
cjfa-30902	181	52	of	of	ADP
cjfa-30902	181	53	tangible	tangible	ADJ
cjfa-30902	181	54	and	and	CCONJ
cjfa-30902	181	55	intangible	intangible	ADJ
cjfa-30902	181	56	assetit	assetit	NOUN
cjfa-30902	181	57	/	/	SYM
cjfa-30902	181	58	innovation	innovation	NOUN
cjfa-30902	181	59	to	to	PART
cjfa-30902	181	60	total	total	ADJ
cjfa-30902	181	61	assetit	assetit	PROPN
cjfa-30902	181	62	)	)	PUNCT
cjfa-30902	182	1	rmit	rmit	PROPN
cjfa-30902	182	2	=	=	SYM
cjfa-30902	182	3	risk	risk	NOUN
cjfa-30902	182	4	management	management	NOUN
cjfa-30902	182	5	measured	measure	VERB
cjfa-30902	182	6	by	by	ADP
cjfa-30902	182	7	carit	carit	NOUN
cjfa-30902	182	8	,	,	PUNCT
cjfa-30902	182	9	crwit	crwit	NOUN
cjfa-30902	182	10	and	and	CCONJ
cjfa-30902	182	11	orwit	orwit	NOUN
cjfa-30902	182	12	zit	zit	NOUN
cjfa-30902	182	13	=	=	SYM
cjfa-30902	182	14	control	control	NOUN
cjfa-30902	182	15	variables	variable	NOUN
cjfa-30902	182	16	measured	measure	VERB
cjfa-30902	182	17	by	by	ADP
cjfa-30902	182	18	nplit	nplit	NOUN
cjfa-30902	182	19	,	,	PUNCT
cjfa-30902	182	20	lcrit	lcrit	NOUN
cjfa-30902	182	21	and	and	CCONJ
cjfa-30902	182	22	oeit	oeit	ADJ
cjfa-30902	182	23			NOUN
cjfa-30902	182	24			NOUN
cjfa-30902	182	25	and	and	CCONJ
cjfa-30902	182	26	,	,	PUNCT
cjfa-30902	182	27	:	:	PUNCT
cjfa-30902	182	28	parameters	parameter	NOUN
cjfa-30902	182	29	to	to	PART
cjfa-30902	182	30	be	be	AUX
cjfa-30902	182	31	estimated	estimate	VERB
cjfa-30902	182	32			NOUN
cjfa-30902	182	33	iε	iε	NOUN
cjfa-30902	182	34	:	:	PUNCT
cjfa-30902	182	35	the	the	DET
cjfa-30902	182	36	random	random	ADJ
cjfa-30902	182	37	error	error	NOUN
cjfa-30902	182	38	second	second	NOUN
cjfa-30902	182	39	,	,	PUNCT
cjfa-30902	182	40	we	we	PRON
cjfa-30902	182	41	estimate	estimate	VERB
cjfa-30902	182	42	the	the	DET
cjfa-30902	182	43	relationship	relationship	NOUN
cjfa-30902	182	44	between	between	ADP
cjfa-30902	182	45	fininn	fininn	NOUN
cjfa-30902	182	46	and	and	CCONJ
cjfa-30902	182	47	risk	risk	NOUN
cjfa-30902	182	48	management	management	NOUN
cjfa-30902	182	49	(	(	PUNCT
cjfa-30902	182	50	car	car	NOUN
cjfa-30902	182	51	,	,	PUNCT
cjfa-30902	182	52	crw	crw	PROPN
cjfa-30902	182	53	,	,	PUNCT
cjfa-30902	182	54	orw	orw	ADJ
cjfa-30902	182	55	)	)	PUNCT
cjfa-30902	182	56	so	so	SCONJ
cjfa-30902	182	57	as	as	SCONJ
cjfa-30902	182	58	to	to	PART
cjfa-30902	182	59	validate	validate	VERB
cjfa-30902	182	60	hypothesis	hypothesis	NOUN
cjfa-30902	182	61	(	(	PUNCT
cjfa-30902	182	62	h2	h2	NOUN
cjfa-30902	182	63	)	)	PUNCT
cjfa-30902	182	64	assumptions	assumption	NOUN
cjfa-30902	182	65	made	make	VERB
cjfa-30902	182	66	to	to	PART
cjfa-30902	182	67	be	be	AUX
cjfa-30902	182	68	assessed	assess	VERB
cjfa-30902	182	69	via	via	ADP
cjfa-30902	182	70	a	a	DET
cjfa-30902	182	71	procedure	procedure	NOUN
cjfa-30902	182	72	achievable	achievable	ADJ
cjfa-30902	182	73	through	through	ADP
cjfa-30902	182	74	the	the	DET
cjfa-30902	182	75	construction	construction	NOUN
cjfa-30902	182	76	of	of	ADP
cjfa-30902	182	77	four	four	NUM
cjfa-30902	182	78	models	model	NOUN
cjfa-30902	182	79	,	,	PUNCT
cjfa-30902	182	80	it	it	PRON
cjfa-30902	182	81	seems	seem	VERB
cjfa-30902	182	82	necessary	necessary	ADJ
cjfa-30902	182	83	to	to	PART
cjfa-30902	182	84	test	test	VERB
cjfa-30902	182	85	the	the	DET
cjfa-30902	182	86	existence	existence	NOUN
cjfa-30902	182	87	of	of	ADP
cjfa-30902	182	88	a	a	DET
cjfa-30902	182	89	mediating	mediate	VERB
cjfa-30902	182	90	effect	effect	NOUN
cjfa-30902	182	91	.	.	PUNCT
cjfa-30902	183	1	baron	baron	NOUN
cjfa-30902	183	2	and	and	CCONJ
cjfa-30902	183	3	kenny	kenny	PROPN
cjfa-30902	183	4	(	(	PUNCT
cjfa-30902	183	5	1986	1986	NUM
cjfa-30902	183	6	)	)	PUNCT
cjfa-30902	183	7	consider	consider	VERB
cjfa-30902	183	8	four	four	NUM
cjfa-30902	183	9	conditions	condition	NOUN
cjfa-30902	183	10	for	for	ADP
cjfa-30902	183	11	a	a	DET
cjfa-30902	183	12	complete	complete	ADJ
cjfa-30902	183	13	mediating	mediate	VERB
cjfa-30902	183	14	effect	effect	NOUN
cjfa-30902	183	15	to	to	PART
cjfa-30902	183	16	be	be	AUX
cjfa-30902	183	17	checked	check	VERB
cjfa-30902	183	18	in	in	ADP
cjfa-30902	183	19	terms	term	NOUN
cjfa-30902	183	20	of	of	ADP
cjfa-30902	183	21	car	car	NOUN
cjfa-30902	183	22	,	,	PUNCT
cjfa-30902	183	23	crw	crw	PROPN
cjfa-30902	183	24	,	,	PUNCT
cjfa-30902	183	25	orw	orw	VERB
cjfa-30902	183	26	of	of	ADP
cjfa-30902	183	27	the	the	DET
cjfa-30902	183	28	fininnroa	fininnroa	NOUN
cjfa-30902	183	29	,	,	PUNCT
cjfa-30902	183	30	mtb	mtb	NOUN
cjfa-30902	183	31	relationship	relationship	NOUN
cjfa-30902	183	32	.	.	PUNCT
cjfa-30902	184	1	these	these	DET
cjfa-30902	184	2	conditions	condition	NOUN
cjfa-30902	184	3	are	be	AUX
cjfa-30902	184	4	the	the	DET
cjfa-30902	184	5	following	follow	VERB
cjfa-30902	184	6	:	:	PUNCT
cjfa-30902	184	7	(	(	PUNCT
cjfa-30902	184	8	1	1	X
cjfa-30902	184	9	)	)	PUNCT
cjfa-30902	184	10	the	the	DET
cjfa-30902	184	11	independent	independent	ADJ
cjfa-30902	184	12	variable	variable	NOUN
cjfa-30902	184	13	(	(	PUNCT
cjfa-30902	184	14	fininn	fininn	NOUN
cjfa-30902	184	15	)	)	PUNCT
cjfa-30902	184	16	has	have	AUX
cjfa-30902	184	17	a	a	DET
cjfa-30902	184	18	significant	significant	ADJ
cjfa-30902	184	19	impact	impact	NOUN
cjfa-30902	184	20	on	on	ADP
cjfa-30902	184	21	the	the	DET
cjfa-30902	184	22	bank	bank	NOUN
cjfa-30902	184	23	performance	performance	NOUN
cjfa-30902	184	24	(	(	PUNCT
cjfa-30902	184	25	roa	roa	NOUN
cjfa-30902	184	26	,	,	PUNCT
cjfa-30902	184	27	mtb	mtb	PROPN
cjfa-30902	184	28	)	)	PUNCT
cjfa-30902	184	29	.	.	PUNCT
cjfa-30902	185	1	(	(	PUNCT
cjfa-30902	185	2	2	2	X
cjfa-30902	185	3	)	)	PUNCT
cjfa-30902	185	4	the	the	DET
cjfa-30902	185	5	fininn	fininn	NOUN
cjfa-30902	185	6	significantly	significantly	ADV
cjfa-30902	185	7	influences	influence	VERB
cjfa-30902	185	8	the	the	DET
cjfa-30902	185	9	mediator	mediator	NOUN
cjfa-30902	185	10	variable	variable	NOUN
cjfa-30902	185	11	(	(	PUNCT
cjfa-30902	185	12	car	car	NOUN
cjfa-30902	185	13	,	,	PUNCT
cjfa-30902	185	14	crw	crw	PROPN
cjfa-30902	185	15	,	,	PUNCT
cjfa-30902	185	16	orw	orw	NOUN
cjfa-30902	185	17	)	)	PUNCT
cjfa-30902	185	18	.	.	PUNCT
cjfa-30902	186	1	(	(	PUNCT
cjfa-30902	186	2	3	3	X
cjfa-30902	186	3	)	)	PUNCT
cjfa-30902	186	4	when	when	SCONJ
cjfa-30902	186	5	the	the	DET
cjfa-30902	186	6	influence	influence	NOUN
cjfa-30902	186	7	of	of	ADP
cjfa-30902	186	8	car	car	NOUN
cjfa-30902	186	9	,	,	PUNCT
cjfa-30902	186	10	crw	crw	PROPN
cjfa-30902	186	11	,	,	PUNCT
cjfa-30902	186	12	orw	orw	VERB
cjfa-30902	186	13	on	on	ADP
cjfa-30902	186	14	the	the	DET
cjfa-30902	186	15	bank	bank	NOUN
cjfa-30902	186	16	performance	performance	NOUN
cjfa-30902	186	17	is	be	AUX
cjfa-30902	186	18	taken	take	VERB
cjfa-30902	186	19	into	into	ADP
cjfa-30902	186	20	account	account	NOUN
cjfa-30902	186	21	,	,	PUNCT
cjfa-30902	186	22	the	the	DET
cjfa-30902	186	23	fininn	fininn	NOUN
cjfa-30902	186	24	will	will	AUX
cjfa-30902	186	25	have	have	VERB
cjfa-30902	186	26	no	no	DET
cjfa-30902	186	27	significant	significant	ADJ
cjfa-30902	186	28	effect	effect	NOUN
cjfa-30902	186	29	on	on	ADP
cjfa-30902	186	30	performance	performance	NOUN
cjfa-30902	186	31	.	.	PUNCT
cjfa-30902	187	1	(	(	PUNCT
cjfa-30902	187	2	4	4	X
cjfa-30902	187	3	)	)	PUNCT
cjfa-30902	187	4	the	the	DET
cjfa-30902	187	5	direct	direct	ADJ
cjfa-30902	187	6	effect	effect	NOUN
cjfa-30902	187	7	of	of	ADP
cjfa-30902	187	8	fininn	fininn	NOUN
cjfa-30902	187	9	on	on	ADP
cjfa-30902	187	10	performance	performance	NOUN
cjfa-30902	187	11	should	should	AUX
cjfa-30902	187	12	be	be	AUX
cjfa-30902	187	13	null	null	ADJ
cjfa-30902	187	14	,	,	PUNCT
cjfa-30902	187	15	or	or	CCONJ
cjfa-30902	187	16	reduced	reduce	VERB
cjfa-30902	187	17	by	by	ADP
cjfa-30902	187	18	the	the	DET
cjfa-30902	187	19	insertion	insertion	NOUN
cjfa-30902	187	20	of	of	ADP
cjfa-30902	187	21	the	the	DET
cjfa-30902	187	22	mediator	mediator	NOUN
cjfa-30902	187	23	variable	variable	NOUN
cjfa-30902	187	24	in	in	ADP
cjfa-30902	187	25	order	order	NOUN
cjfa-30902	187	26	to	to	PART
cjfa-30902	187	27	deduce	deduce	VERB
cjfa-30902	187	28	its	its	PRON
cjfa-30902	187	29	mediating	mediate	VERB
cjfa-30902	187	30	impact	impact	NOUN
cjfa-30902	187	31	within	within	ADP
cjfa-30902	187	32	the	the	DET
cjfa-30902	187	33	relationship	relationship	NOUN
cjfa-30902	187	34	.	.	PUNCT
cjfa-30902	188	1	econometrically	econometrically	ADV
cjfa-30902	188	2	,	,	PUNCT
cjfa-30902	188	3	we	we	PRON
cjfa-30902	188	4	first	first	ADV
cjfa-30902	188	5	estimate	estimate	VERB
cjfa-30902	188	6	model	model	NOUN
cjfa-30902	188	7	1	1	NUM
cjfa-30902	188	8	with	with	ADP
cjfa-30902	188	9	the	the	DET
cjfa-30902	188	10	aim	aim	NOUN
cjfa-30902	188	11	of	of	ADP
cjfa-30902	188	12	testing	test	VERB
cjfa-30902	188	13	the	the	DET
cjfa-30902	188	14	direct	direct	ADJ
cjfa-30902	188	15	effect	effect	NOUN
cjfa-30902	188	16	of	of	ADP
cjfa-30902	188	17	fininn	fininn	NOUN
cjfa-30902	188	18	on	on	ADP
cjfa-30902	188	19	bank	bank	NOUN
cjfa-30902	188	20	performance	performance	NOUN
cjfa-30902	188	21	(	(	PUNCT
cjfa-30902	188	22	roa	roa	NOUN
cjfa-30902	188	23	,	,	PUNCT
cjfa-30902	188	24	mtb	mtb	PROPN
cjfa-30902	188	25	)	)	PUNCT
cjfa-30902	188	26	,	,	PUNCT
cjfa-30902	188	27	and	and	CCONJ
cjfa-30902	188	28	validating	validate	VERB
cjfa-30902	188	29	hypothesis	hypothesis	NOUN
cjfa-30902	188	30	(	(	PUNCT
cjfa-30902	188	31	h1	h1	PROPN
cjfa-30902	188	32	)	)	PUNCT
cjfa-30902	188	33	.	.	PUNCT
cjfa-30902	189	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	189	2	�	�	PROPN
cjfa-30902	189	3	�	�	PROPN
cjfa-30902	189	4	=	=	PUNCT
cjfa-30902	189	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	189	6	𝛼	𝛼	PROPN
cjfa-30902	189	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	189	8	�	�	PROPN
cjfa-30902	189	9	�	�	PROPN
cjfa-30902	189	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	189	11	�	�	PROPN
cjfa-30902	189	12	�	�	PROPN
cjfa-30902	189	13	𝛼	𝛼	PROPN
cjfa-30902	189	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	189	15	�	�	PROPN
cjfa-30902	189	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	189	17	�	�	PROPN
cjfa-30902	189	18	�	�	PROPN
cjfa-30902	189	19	𝛼	𝛼	PROPN
cjfa-30902	189	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	189	21	�	�	PROPN
cjfa-30902	189	22	�	�	PROPN
cjfa-30902	189	23	second	second	NOUN
cjfa-30902	189	24	,	,	PUNCT
cjfa-30902	189	25	we	we	PRON
cjfa-30902	189	26	estimate	estimate	VERB
cjfa-30902	189	27	the	the	DET
cjfa-30902	189	28	relationship	relationship	NOUN
cjfa-30902	189	29	between	between	ADP
cjfa-30902	189	30	fininn	fininn	NOUN
cjfa-30902	189	31	and	and	CCONJ
cjfa-30902	189	32	risk	risk	NOUN
cjfa-30902	189	33	management	management	NOUN
cjfa-30902	189	34	(	(	PUNCT
cjfa-30902	189	35	car	car	NOUN
cjfa-30902	189	36	,	,	PUNCT
cjfa-30902	189	37	crw	crw	PROPN
cjfa-30902	189	38	,	,	PUNCT
cjfa-30902	189	39	orw	orw	ADJ
cjfa-30902	189	40	)	)	PUNCT
cjfa-30902	189	41	so	so	SCONJ
cjfa-30902	189	42	as	as	SCONJ
cjfa-30902	189	43	to	to	PART
cjfa-30902	189	44	validate	validate	VERB
cjfa-30902	189	45	hypothesis	hypothesis	NOUN
cjfa-30902	189	46	(	(	PUNCT
cjfa-30902	189	47	h2	h2	NOUN
cjfa-30902	189	48	)	)	PUNCT
cjfa-30902	189	49	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	189	50	�	�	PROPN
cjfa-30902	189	51	�	�	PROPN
cjfa-30902	189	52	=	=	PUNCT
cjfa-30902	189	53	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	189	54	𝛼	𝛼	PROPN
cjfa-30902	189	55	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	189	56	�	�	PROPN
cjfa-30902	189	57	�	�	PROPN
cjfa-30902	189	58	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	189	59	�	�	PROPN
cjfa-30902	189	60	�	�	PROPN
cjfa-30902	189	61	𝛼	𝛼	PROPN
cjfa-30902	189	62	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	189	63	�	�	PROPN
cjfa-30902	189	64	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	189	65	�	�	PROPN
cjfa-30902	189	66	�	�	PROPN
cjfa-30902	189	67	𝛼	𝛼	PROPN
cjfa-30902	189	68	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	189	69	�	�	PROPN
cjfa-30902	189	70	�	�	PROPN
cjfa-30902	189	71	afterwards	afterwards	ADV
cjfa-30902	189	72	,	,	PUNCT
cjfa-30902	189	73	we	we	PRON
cjfa-30902	189	74	estimate	estimate	VERB
cjfa-30902	189	75	the	the	DET
cjfa-30902	189	76	relationship	relationship	NOUN
cjfa-30902	189	77	between	between	ADP
cjfa-30902	189	78	risk	risk	NOUN
cjfa-30902	189	79	management	management	NOUN
cjfa-30902	189	80	(	(	PUNCT
cjfa-30902	189	81	car	car	NOUN
cjfa-30902	189	82	,	,	PUNCT
cjfa-30902	189	83	crw	crw	PROPN
cjfa-30902	189	84	,	,	PUNCT
cjfa-30902	189	85	orw	orw	ADJ
cjfa-30902	189	86	)	)	PUNCT
cjfa-30902	189	87	and	and	CCONJ
cjfa-30902	189	88	bank	bank	NOUN
cjfa-30902	189	89	performance	performance	NOUN
cjfa-30902	189	90	(	(	PUNCT
cjfa-30902	189	91	roa	roa	PROPN
cjfa-30902	189	92	,	,	PUNCT
cjfa-30902	189	93	mtb	mtb	PROPN
cjfa-30902	189	94	)	)	PUNCT
cjfa-30902	189	95	for	for	ADP
cjfa-30902	189	96	validating	validate	VERB
cjfa-30902	189	97	hypothesis	hypothesis	NOUN
cjfa-30902	189	98	(	(	PUNCT
cjfa-30902	189	99	h3	h3	NOUN
cjfa-30902	189	100	)	)	PUNCT
cjfa-30902	190	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	190	2	�	�	PROPN
cjfa-30902	190	3	�	�	PROPN
cjfa-30902	190	4	=	=	PUNCT
cjfa-30902	190	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	190	6	𝛼	𝛼	PROPN
cjfa-30902	190	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	190	8	�	�	PROPN
cjfa-30902	190	9	�	�	PROPN
cjfa-30902	190	10	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	190	11	�	�	PROPN
cjfa-30902	190	12	�	�	PROPN
cjfa-30902	190	13	𝛼	𝛼	PROPN
cjfa-30902	190	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	190	15	�	�	PROPN
cjfa-30902	190	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	190	17	�	�	PROPN
cjfa-30902	190	18	�	�	PROPN
cjfa-30902	190	19	𝛼	𝛼	PROPN
cjfa-30902	190	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	190	21	�	�	PROPN
cjfa-30902	190	22	�	�	PROPN
cjfa-30902	190	23	eventually	eventually	ADV
cjfa-30902	190	24	,	,	PUNCT
cjfa-30902	190	25	we	we	PRON
cjfa-30902	190	26	examine	examine	VERB
cjfa-30902	190	27	the	the	DET
cjfa-30902	190	28	indirect	indirect	ADJ
cjfa-30902	190	29	relationship	relationship	NOUN
cjfa-30902	190	30	between	between	ADP
cjfa-30902	190	31	fininn	fininn	NOUN
cjfa-30902	190	32	and	and	CCONJ
cjfa-30902	190	33	bank	bank	NOUN
cjfa-30902	190	34	performance	performance	NOUN
cjfa-30902	190	35	(	(	PUNCT
cjfa-30902	190	36	roe	roe	NOUN
cjfa-30902	190	37	,	,	PUNCT
cjfa-30902	190	38	mtb	mtb	PROPN
cjfa-30902	190	39	)	)	PUNCT
cjfa-30902	190	40	,	,	PUNCT
cjfa-30902	190	41	using	use	VERB
cjfa-30902	190	42	the	the	DET
cjfa-30902	190	43	effect	effect	NOUN
cjfa-30902	190	44	of	of	ADP
cjfa-30902	190	45	risk	risk	NOUN
cjfa-30902	190	46	management	management	NOUN
cjfa-30902	190	47	(	(	PUNCT
cjfa-30902	190	48	car	car	NOUN
cjfa-30902	190	49	,	,	PUNCT
cjfa-30902	190	50	crw	crw	PROPN
cjfa-30902	190	51	,	,	PUNCT
cjfa-30902	190	52	orw	orw	ADJ
cjfa-30902	190	53	)	)	PUNCT
cjfa-30902	191	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	191	2	�	�	PROPN
cjfa-30902	191	3	�	�	PROPN
cjfa-30902	191	4	=	=	PUNCT
cjfa-30902	191	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	191	6	𝛼	𝛼	PROPN
cjfa-30902	191	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	191	8	�	�	PROPN
cjfa-30902	191	9	�	�	PROPN
cjfa-30902	191	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	191	11	�	�	PROPN
cjfa-30902	191	12	�	�	PROPN
cjfa-30902	191	13	𝛼	𝛼	PROPN
cjfa-30902	191	14	𝛾𝛾	𝛾𝛾	PROPN
cjfa-30902	191	15	�	�	PROPN
cjfa-30902	191	16	�	�	PROPN
cjfa-30902	191	17	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	191	18	�	�	PROPN
cjfa-30902	191	19	�	�	PROPN
cjfa-30902	191	20	𝛼	𝛼	PROPN
cjfa-30902	191	21	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	191	22	�	�	PROPN
cjfa-30902	191	23	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	191	24	�	�	PROPN
cjfa-30902	191	25	�	�	PROPN
cjfa-30902	191	26	𝛼	𝛼	PROPN
cjfa-30902	191	27	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	191	28	�	�	PROPN
cjfa-30902	191	29	�	�	PROPN
cjfa-30902	191	30	(	(	PUNCT
cjfa-30902	191	31	𝐻𝐻𝐻𝐻	𝐻𝐻𝐻𝐻	PROPN
cjfa-30902	191	32	pit	pit	NOUN
cjfa-30902	191	33	=	=	VERB
cjfa-30902	191	34	bank	bank	NOUN
cjfa-30902	191	35	performance	performance	NOUN
cjfa-30902	191	36	measured	measure	VERB
cjfa-30902	191	37	by	by	ADP
cjfa-30902	191	38	roait	roait	NOUN
cjfa-30902	191	39	and	and	CCONJ
cjfa-30902	191	40	mtbit	mtbit	VERB
cjfa-30902	191	41	ratios	ratio	NOUN
cjfa-30902	191	42	fininnit	fininnit	NOUN
cjfa-30902	191	43	=	=	PUNCT
cjfa-30902	191	44	financial	financial	ADJ
cjfa-30902	191	45	innovation	innovation	NOUN
cjfa-30902	191	46	measured	measure	VERB
cjfa-30902	191	47	by	by	ADP
cjfa-30902	191	48	the	the	DET
cjfa-30902	191	49	ratio	ratio	NOUN
cjfa-30902	191	50	=	=	PUNCT
cjfa-30902	191	51	sum	sum	NOUN
cjfa-30902	191	52	of	of	ADP
cjfa-30902	191	53	tangible	tangible	ADJ
cjfa-30902	191	54	and	and	CCONJ
cjfa-30902	191	55	intangible	intangible	ADJ
cjfa-30902	191	56	assetit	assetit	NOUN
cjfa-30902	191	57	/	/	SYM
cjfa-30902	191	58	innovation	innovation	NOUN
cjfa-30902	191	59	to	to	PART
cjfa-30902	191	60	total	total	ADJ
cjfa-30902	191	61	assetit	assetit	PROPN
cjfa-30902	191	62	)	)	PUNCT
cjfa-30902	192	1	rmit	rmit	PROPN
cjfa-30902	192	2	=	=	SYM
cjfa-30902	192	3	risk	risk	NOUN
cjfa-30902	192	4	management	management	NOUN
cjfa-30902	192	5	measured	measure	VERB
cjfa-30902	192	6	by	by	ADP
cjfa-30902	192	7	carit	carit	NOUN
cjfa-30902	192	8	,	,	PUNCT
cjfa-30902	192	9	crwit	crwit	NOUN
cjfa-30902	192	10	and	and	CCONJ
cjfa-30902	192	11	orwit	orwit	NOUN
cjfa-30902	192	12	zit	zit	NOUN
cjfa-30902	192	13	=	=	SYM
cjfa-30902	192	14	control	control	NOUN
cjfa-30902	192	15	variables	variable	NOUN
cjfa-30902	192	16	measured	measure	VERB
cjfa-30902	192	17	by	by	ADP
cjfa-30902	192	18	nplit	nplit	NOUN
cjfa-30902	192	19	,	,	PUNCT
cjfa-30902	192	20	lcrit	lcrit	NOUN
cjfa-30902	192	21	and	and	CCONJ
cjfa-30902	192	22	oeit	oeit	ADJ
cjfa-30902	192	23			NOUN
cjfa-30902	192	24			NOUN
cjfa-30902	192	25	and	and	CCONJ
cjfa-30902	192	26	,	,	PUNCT
cjfa-30902	192	27	:	:	PUNCT
cjfa-30902	192	28	parameters	parameter	NOUN
cjfa-30902	192	29	to	to	PART
cjfa-30902	192	30	be	be	AUX
cjfa-30902	192	31	estimated	estimate	VERB
cjfa-30902	192	32			NOUN
cjfa-30902	192	33	iε	iε	NOUN
cjfa-30902	192	34	:	:	PUNCT
cjfa-30902	192	35	the	the	DET
cjfa-30902	192	36	random	random	ADJ
cjfa-30902	192	37	error	error	NOUN
cjfa-30902	192	38	afterwards	afterwards	ADV
cjfa-30902	192	39	,	,	PUNCT
cjfa-30902	192	40	we	we	PRON
cjfa-30902	192	41	estimate	estimate	VERB
cjfa-30902	192	42	the	the	DET
cjfa-30902	192	43	relationship	relationship	NOUN
cjfa-30902	192	44	between	between	ADP
cjfa-30902	192	45	risk	risk	NOUN
cjfa-30902	192	46	management	management	NOUN
cjfa-30902	192	47	(	(	PUNCT
cjfa-30902	192	48	car	car	NOUN
cjfa-30902	192	49	,	,	PUNCT
cjfa-30902	192	50	crw	crw	PROPN
cjfa-30902	192	51	,	,	PUNCT
cjfa-30902	192	52	orw	orw	ADJ
cjfa-30902	192	53	)	)	PUNCT
cjfa-30902	192	54	and	and	CCONJ
cjfa-30902	192	55	bank	bank	NOUN
cjfa-30902	192	56	performance	performance	NOUN
cjfa-30902	192	57	(	(	PUNCT
cjfa-30902	192	58	roa	roa	PROPN
cjfa-30902	192	59	,	,	PUNCT
cjfa-30902	192	60	mtb	mtb	PROPN
cjfa-30902	192	61	)	)	PUNCT
cjfa-30902	192	62	for	for	ADP
cjfa-30902	192	63	validating	validate	VERB
cjfa-30902	192	64	hypothesis	hypothesis	NOUN
cjfa-30902	192	65	(	(	PUNCT
cjfa-30902	192	66	h3	h3	NOUN
cjfa-30902	192	67	)	)	PUNCT
cjfa-30902	192	68	assumptions	assumption	NOUN
cjfa-30902	192	69	made	make	VERB
cjfa-30902	192	70	to	to	PART
cjfa-30902	192	71	be	be	AUX
cjfa-30902	192	72	assessed	assess	VERB
cjfa-30902	192	73	via	via	ADP
cjfa-30902	192	74	a	a	DET
cjfa-30902	192	75	procedure	procedure	NOUN
cjfa-30902	192	76	achievable	achievable	ADJ
cjfa-30902	192	77	through	through	ADP
cjfa-30902	192	78	the	the	DET
cjfa-30902	192	79	construction	construction	NOUN
cjfa-30902	192	80	of	of	ADP
cjfa-30902	192	81	four	four	NUM
cjfa-30902	192	82	models	model	NOUN
cjfa-30902	192	83	,	,	PUNCT
cjfa-30902	192	84	it	it	PRON
cjfa-30902	192	85	seems	seem	VERB
cjfa-30902	192	86	necessary	necessary	ADJ
cjfa-30902	192	87	to	to	PART
cjfa-30902	192	88	test	test	VERB
cjfa-30902	192	89	the	the	DET
cjfa-30902	192	90	existence	existence	NOUN
cjfa-30902	192	91	of	of	ADP
cjfa-30902	192	92	a	a	DET
cjfa-30902	192	93	mediating	mediate	VERB
cjfa-30902	192	94	effect	effect	NOUN
cjfa-30902	192	95	.	.	PUNCT
cjfa-30902	193	1	baron	baron	NOUN
cjfa-30902	193	2	and	and	CCONJ
cjfa-30902	193	3	kenny	kenny	PROPN
cjfa-30902	193	4	(	(	PUNCT
cjfa-30902	193	5	1986	1986	NUM
cjfa-30902	193	6	)	)	PUNCT
cjfa-30902	193	7	consider	consider	VERB
cjfa-30902	193	8	four	four	NUM
cjfa-30902	193	9	conditions	condition	NOUN
cjfa-30902	193	10	for	for	ADP
cjfa-30902	193	11	a	a	DET
cjfa-30902	193	12	complete	complete	ADJ
cjfa-30902	193	13	mediating	mediate	VERB
cjfa-30902	193	14	effect	effect	NOUN
cjfa-30902	193	15	to	to	PART
cjfa-30902	193	16	be	be	AUX
cjfa-30902	193	17	checked	check	VERB
cjfa-30902	193	18	in	in	ADP
cjfa-30902	193	19	terms	term	NOUN
cjfa-30902	193	20	of	of	ADP
cjfa-30902	193	21	car	car	NOUN
cjfa-30902	193	22	,	,	PUNCT
cjfa-30902	193	23	crw	crw	PROPN
cjfa-30902	193	24	,	,	PUNCT
cjfa-30902	193	25	orw	orw	VERB
cjfa-30902	193	26	of	of	ADP
cjfa-30902	193	27	the	the	DET
cjfa-30902	193	28	fininnroa	fininnroa	NOUN
cjfa-30902	193	29	,	,	PUNCT
cjfa-30902	193	30	mtb	mtb	NOUN
cjfa-30902	193	31	relationship	relationship	NOUN
cjfa-30902	193	32	.	.	PUNCT
cjfa-30902	194	1	these	these	DET
cjfa-30902	194	2	conditions	condition	NOUN
cjfa-30902	194	3	are	be	AUX
cjfa-30902	194	4	the	the	DET
cjfa-30902	194	5	following	follow	VERB
cjfa-30902	194	6	:	:	PUNCT
cjfa-30902	194	7	(	(	PUNCT
cjfa-30902	194	8	1	1	X
cjfa-30902	194	9	)	)	PUNCT
cjfa-30902	194	10	the	the	DET
cjfa-30902	194	11	independent	independent	ADJ
cjfa-30902	194	12	variable	variable	NOUN
cjfa-30902	194	13	(	(	PUNCT
cjfa-30902	194	14	fininn	fininn	NOUN
cjfa-30902	194	15	)	)	PUNCT
cjfa-30902	194	16	has	have	AUX
cjfa-30902	194	17	a	a	DET
cjfa-30902	194	18	significant	significant	ADJ
cjfa-30902	194	19	impact	impact	NOUN
cjfa-30902	194	20	on	on	ADP
cjfa-30902	194	21	the	the	DET
cjfa-30902	194	22	bank	bank	NOUN
cjfa-30902	194	23	performance	performance	NOUN
cjfa-30902	194	24	(	(	PUNCT
cjfa-30902	194	25	roa	roa	NOUN
cjfa-30902	194	26	,	,	PUNCT
cjfa-30902	194	27	mtb	mtb	PROPN
cjfa-30902	194	28	)	)	PUNCT
cjfa-30902	194	29	.	.	PUNCT
cjfa-30902	195	1	(	(	PUNCT
cjfa-30902	195	2	2	2	X
cjfa-30902	195	3	)	)	PUNCT
cjfa-30902	195	4	the	the	DET
cjfa-30902	195	5	fininn	fininn	NOUN
cjfa-30902	195	6	significantly	significantly	ADV
cjfa-30902	195	7	influences	influence	VERB
cjfa-30902	195	8	the	the	DET
cjfa-30902	195	9	mediator	mediator	NOUN
cjfa-30902	195	10	variable	variable	NOUN
cjfa-30902	195	11	(	(	PUNCT
cjfa-30902	195	12	car	car	NOUN
cjfa-30902	195	13	,	,	PUNCT
cjfa-30902	195	14	crw	crw	PROPN
cjfa-30902	195	15	,	,	PUNCT
cjfa-30902	195	16	orw	orw	NOUN
cjfa-30902	195	17	)	)	PUNCT
cjfa-30902	195	18	.	.	PUNCT
cjfa-30902	196	1	(	(	PUNCT
cjfa-30902	196	2	3	3	X
cjfa-30902	196	3	)	)	PUNCT
cjfa-30902	196	4	when	when	SCONJ
cjfa-30902	196	5	the	the	DET
cjfa-30902	196	6	influence	influence	NOUN
cjfa-30902	196	7	of	of	ADP
cjfa-30902	196	8	car	car	NOUN
cjfa-30902	196	9	,	,	PUNCT
cjfa-30902	196	10	crw	crw	PROPN
cjfa-30902	196	11	,	,	PUNCT
cjfa-30902	196	12	orw	orw	VERB
cjfa-30902	196	13	on	on	ADP
cjfa-30902	196	14	the	the	DET
cjfa-30902	196	15	bank	bank	NOUN
cjfa-30902	196	16	performance	performance	NOUN
cjfa-30902	196	17	is	be	AUX
cjfa-30902	196	18	taken	take	VERB
cjfa-30902	196	19	into	into	ADP
cjfa-30902	196	20	account	account	NOUN
cjfa-30902	196	21	,	,	PUNCT
cjfa-30902	196	22	the	the	DET
cjfa-30902	196	23	fininn	fininn	NOUN
cjfa-30902	196	24	will	will	AUX
cjfa-30902	196	25	have	have	VERB
cjfa-30902	196	26	no	no	DET
cjfa-30902	196	27	significant	significant	ADJ
cjfa-30902	196	28	effect	effect	NOUN
cjfa-30902	196	29	on	on	ADP
cjfa-30902	196	30	performance	performance	NOUN
cjfa-30902	196	31	.	.	PUNCT
cjfa-30902	197	1	(	(	PUNCT
cjfa-30902	197	2	4	4	X
cjfa-30902	197	3	)	)	PUNCT
cjfa-30902	197	4	the	the	DET
cjfa-30902	197	5	direct	direct	ADJ
cjfa-30902	197	6	effect	effect	NOUN
cjfa-30902	197	7	of	of	ADP
cjfa-30902	197	8	fininn	fininn	NOUN
cjfa-30902	197	9	on	on	ADP
cjfa-30902	197	10	performance	performance	NOUN
cjfa-30902	197	11	should	should	AUX
cjfa-30902	197	12	be	be	AUX
cjfa-30902	197	13	null	null	ADJ
cjfa-30902	197	14	,	,	PUNCT
cjfa-30902	197	15	or	or	CCONJ
cjfa-30902	197	16	reduced	reduce	VERB
cjfa-30902	197	17	by	by	ADP
cjfa-30902	197	18	the	the	DET
cjfa-30902	197	19	insertion	insertion	NOUN
cjfa-30902	197	20	of	of	ADP
cjfa-30902	197	21	the	the	DET
cjfa-30902	197	22	mediator	mediator	NOUN
cjfa-30902	197	23	variable	variable	NOUN
cjfa-30902	197	24	in	in	ADP
cjfa-30902	197	25	order	order	NOUN
cjfa-30902	197	26	to	to	PART
cjfa-30902	197	27	deduce	deduce	VERB
cjfa-30902	197	28	its	its	PRON
cjfa-30902	197	29	mediating	mediate	VERB
cjfa-30902	197	30	impact	impact	NOUN
cjfa-30902	197	31	within	within	ADP
cjfa-30902	197	32	the	the	DET
cjfa-30902	197	33	relationship	relationship	NOUN
cjfa-30902	197	34	.	.	PUNCT
cjfa-30902	198	1	econometrically	econometrically	ADV
cjfa-30902	198	2	,	,	PUNCT
cjfa-30902	198	3	we	we	PRON
cjfa-30902	198	4	first	first	ADV
cjfa-30902	198	5	estimate	estimate	VERB
cjfa-30902	198	6	model	model	NOUN
cjfa-30902	198	7	1	1	NUM
cjfa-30902	198	8	with	with	ADP
cjfa-30902	198	9	the	the	DET
cjfa-30902	198	10	aim	aim	NOUN
cjfa-30902	198	11	of	of	ADP
cjfa-30902	198	12	testing	test	VERB
cjfa-30902	198	13	the	the	DET
cjfa-30902	198	14	direct	direct	ADJ
cjfa-30902	198	15	effect	effect	NOUN
cjfa-30902	198	16	of	of	ADP
cjfa-30902	198	17	fininn	fininn	NOUN
cjfa-30902	198	18	on	on	ADP
cjfa-30902	198	19	bank	bank	NOUN
cjfa-30902	198	20	performance	performance	NOUN
cjfa-30902	198	21	(	(	PUNCT
cjfa-30902	198	22	roa	roa	NOUN
cjfa-30902	198	23	,	,	PUNCT
cjfa-30902	198	24	mtb	mtb	PROPN
cjfa-30902	198	25	)	)	PUNCT
cjfa-30902	198	26	,	,	PUNCT
cjfa-30902	198	27	and	and	CCONJ
cjfa-30902	198	28	validating	validate	VERB
cjfa-30902	198	29	hypothesis	hypothesis	NOUN
cjfa-30902	198	30	(	(	PUNCT
cjfa-30902	198	31	h1	h1	PROPN
cjfa-30902	198	32	)	)	PUNCT
cjfa-30902	198	33	.	.	PUNCT
cjfa-30902	199	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	199	2	�	�	PROPN
cjfa-30902	199	3	�	�	PROPN
cjfa-30902	199	4	=	=	PUNCT
cjfa-30902	199	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	199	6	𝛼	𝛼	PROPN
cjfa-30902	199	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	199	8	�	�	PROPN
cjfa-30902	199	9	�	�	PROPN
cjfa-30902	199	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	199	11	�	�	PROPN
cjfa-30902	199	12	�	�	PROPN
cjfa-30902	199	13	𝛼	𝛼	PROPN
cjfa-30902	199	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	199	15	�	�	PROPN
cjfa-30902	199	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	199	17	�	�	PROPN
cjfa-30902	199	18	�	�	PROPN
cjfa-30902	199	19	𝛼	𝛼	PROPN
cjfa-30902	199	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	199	21	�	�	PROPN
cjfa-30902	199	22	�	�	PROPN
cjfa-30902	199	23	second	second	NOUN
cjfa-30902	199	24	,	,	PUNCT
cjfa-30902	199	25	we	we	PRON
cjfa-30902	199	26	estimate	estimate	VERB
cjfa-30902	199	27	the	the	DET
cjfa-30902	199	28	relationship	relationship	NOUN
cjfa-30902	199	29	between	between	ADP
cjfa-30902	199	30	fininn	fininn	NOUN
cjfa-30902	199	31	and	and	CCONJ
cjfa-30902	199	32	risk	risk	NOUN
cjfa-30902	199	33	management	management	NOUN
cjfa-30902	199	34	(	(	PUNCT
cjfa-30902	199	35	car	car	NOUN
cjfa-30902	199	36	,	,	PUNCT
cjfa-30902	199	37	crw	crw	PROPN
cjfa-30902	199	38	,	,	PUNCT
cjfa-30902	199	39	orw	orw	ADJ
cjfa-30902	199	40	)	)	PUNCT
cjfa-30902	199	41	so	so	SCONJ
cjfa-30902	199	42	as	as	SCONJ
cjfa-30902	199	43	to	to	PART
cjfa-30902	199	44	validate	validate	VERB
cjfa-30902	199	45	hypothesis	hypothesis	NOUN
cjfa-30902	199	46	(	(	PUNCT
cjfa-30902	199	47	h2	h2	NOUN
cjfa-30902	199	48	)	)	PUNCT
cjfa-30902	199	49	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	199	50	�	�	PROPN
cjfa-30902	199	51	�	�	PROPN
cjfa-30902	199	52	=	=	PUNCT
cjfa-30902	199	53	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	199	54	𝛼	𝛼	PROPN
cjfa-30902	199	55	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	199	56	�	�	PROPN
cjfa-30902	199	57	�	�	PROPN
cjfa-30902	199	58	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	199	59	�	�	PROPN
cjfa-30902	199	60	�	�	PROPN
cjfa-30902	199	61	𝛼	𝛼	PROPN
cjfa-30902	199	62	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	199	63	�	�	PROPN
cjfa-30902	199	64	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	199	65	�	�	PROPN
cjfa-30902	199	66	�	�	PROPN
cjfa-30902	199	67	𝛼	𝛼	PROPN
cjfa-30902	199	68	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	199	69	�	�	PROPN
cjfa-30902	199	70	�	�	PROPN
cjfa-30902	199	71	afterwards	afterwards	ADV
cjfa-30902	199	72	,	,	PUNCT
cjfa-30902	199	73	we	we	PRON
cjfa-30902	199	74	estimate	estimate	VERB
cjfa-30902	199	75	the	the	DET
cjfa-30902	199	76	relationship	relationship	NOUN
cjfa-30902	199	77	between	between	ADP
cjfa-30902	199	78	risk	risk	NOUN
cjfa-30902	199	79	management	management	NOUN
cjfa-30902	199	80	(	(	PUNCT
cjfa-30902	199	81	car	car	NOUN
cjfa-30902	199	82	,	,	PUNCT
cjfa-30902	199	83	crw	crw	PROPN
cjfa-30902	199	84	,	,	PUNCT
cjfa-30902	199	85	orw	orw	ADJ
cjfa-30902	199	86	)	)	PUNCT
cjfa-30902	199	87	and	and	CCONJ
cjfa-30902	199	88	bank	bank	NOUN
cjfa-30902	199	89	performance	performance	NOUN
cjfa-30902	199	90	(	(	PUNCT
cjfa-30902	199	91	roa	roa	PROPN
cjfa-30902	199	92	,	,	PUNCT
cjfa-30902	199	93	mtb	mtb	PROPN
cjfa-30902	199	94	)	)	PUNCT
cjfa-30902	199	95	for	for	ADP
cjfa-30902	199	96	validating	validate	VERB
cjfa-30902	199	97	hypothesis	hypothesis	NOUN
cjfa-30902	199	98	(	(	PUNCT
cjfa-30902	199	99	h3	h3	NOUN
cjfa-30902	199	100	)	)	PUNCT
cjfa-30902	200	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	200	2	�	�	PROPN
cjfa-30902	200	3	�	�	PROPN
cjfa-30902	200	4	=	=	PUNCT
cjfa-30902	200	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	200	6	𝛼	𝛼	PROPN
cjfa-30902	200	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	200	8	�	�	PROPN
cjfa-30902	200	9	�	�	PROPN
cjfa-30902	200	10	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	200	11	�	�	PROPN
cjfa-30902	200	12	�	�	PROPN
cjfa-30902	200	13	𝛼	𝛼	PROPN
cjfa-30902	200	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	200	15	�	�	PROPN
cjfa-30902	200	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	200	17	�	�	PROPN
cjfa-30902	200	18	�	�	PROPN
cjfa-30902	200	19	𝛼	𝛼	PROPN
cjfa-30902	200	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	200	21	�	�	PROPN
cjfa-30902	200	22	�	�	PROPN
cjfa-30902	200	23	eventually	eventually	ADV
cjfa-30902	200	24	,	,	PUNCT
cjfa-30902	200	25	we	we	PRON
cjfa-30902	200	26	examine	examine	VERB
cjfa-30902	200	27	the	the	DET
cjfa-30902	200	28	indirect	indirect	ADJ
cjfa-30902	200	29	relationship	relationship	NOUN
cjfa-30902	200	30	between	between	ADP
cjfa-30902	200	31	fininn	fininn	NOUN
cjfa-30902	200	32	and	and	CCONJ
cjfa-30902	200	33	bank	bank	NOUN
cjfa-30902	200	34	performance	performance	NOUN
cjfa-30902	200	35	(	(	PUNCT
cjfa-30902	200	36	roe	roe	NOUN
cjfa-30902	200	37	,	,	PUNCT
cjfa-30902	200	38	mtb	mtb	PROPN
cjfa-30902	200	39	)	)	PUNCT
cjfa-30902	200	40	,	,	PUNCT
cjfa-30902	200	41	using	use	VERB
cjfa-30902	200	42	the	the	DET
cjfa-30902	200	43	effect	effect	NOUN
cjfa-30902	200	44	of	of	ADP
cjfa-30902	200	45	risk	risk	NOUN
cjfa-30902	200	46	management	management	NOUN
cjfa-30902	200	47	(	(	PUNCT
cjfa-30902	200	48	car	car	NOUN
cjfa-30902	200	49	,	,	PUNCT
cjfa-30902	200	50	crw	crw	PROPN
cjfa-30902	200	51	,	,	PUNCT
cjfa-30902	200	52	orw	orw	ADJ
cjfa-30902	200	53	)	)	PUNCT
cjfa-30902	201	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	201	2	�	�	PROPN
cjfa-30902	201	3	�	�	PROPN
cjfa-30902	201	4	=	=	PUNCT
cjfa-30902	201	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	201	6	𝛼	𝛼	PROPN
cjfa-30902	201	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	201	8	�	�	PROPN
cjfa-30902	201	9	�	�	PROPN
cjfa-30902	201	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	201	11	�	�	PROPN
cjfa-30902	201	12	�	�	PROPN
cjfa-30902	201	13	𝛼	𝛼	PROPN
cjfa-30902	201	14	𝛾𝛾	𝛾𝛾	PROPN
cjfa-30902	201	15	�	�	PROPN
cjfa-30902	201	16	�	�	PROPN
cjfa-30902	201	17	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	201	18	�	�	PROPN
cjfa-30902	201	19	�	�	PROPN
cjfa-30902	201	20	𝛼	𝛼	PROPN
cjfa-30902	201	21	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	201	22	�	�	PROPN
cjfa-30902	201	23	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	201	24	�	�	PROPN
cjfa-30902	201	25	�	�	PROPN
cjfa-30902	201	26	𝛼	𝛼	PROPN
cjfa-30902	201	27	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	201	28	�	�	PROPN
cjfa-30902	201	29	�	�	PROPN
cjfa-30902	201	30	(	(	PUNCT
cjfa-30902	201	31	𝐻𝐻𝐻𝐻	𝐻𝐻𝐻𝐻	PROPN
cjfa-30902	201	32	pit	pit	NOUN
cjfa-30902	201	33	=	=	VERB
cjfa-30902	201	34	bank	bank	NOUN
cjfa-30902	201	35	performance	performance	NOUN
cjfa-30902	201	36	measured	measure	VERB
cjfa-30902	201	37	by	by	ADP
cjfa-30902	201	38	roait	roait	NOUN
cjfa-30902	201	39	and	and	CCONJ
cjfa-30902	201	40	mtbit	mtbit	VERB
cjfa-30902	201	41	ratios	ratio	NOUN
cjfa-30902	201	42	fininnit	fininnit	NOUN
cjfa-30902	201	43	=	=	PUNCT
cjfa-30902	201	44	financial	financial	ADJ
cjfa-30902	201	45	innovation	innovation	NOUN
cjfa-30902	201	46	measured	measure	VERB
cjfa-30902	201	47	by	by	ADP
cjfa-30902	201	48	the	the	DET
cjfa-30902	201	49	ratio	ratio	NOUN
cjfa-30902	201	50	=	=	PUNCT
cjfa-30902	201	51	sum	sum	NOUN
cjfa-30902	201	52	of	of	ADP
cjfa-30902	201	53	tangible	tangible	ADJ
cjfa-30902	201	54	and	and	CCONJ
cjfa-30902	201	55	intangible	intangible	ADJ
cjfa-30902	201	56	assetit	assetit	NOUN
cjfa-30902	201	57	/	/	SYM
cjfa-30902	201	58	innovation	innovation	NOUN
cjfa-30902	201	59	to	to	PART
cjfa-30902	201	60	total	total	ADJ
cjfa-30902	201	61	assetit	assetit	PROPN
cjfa-30902	201	62	)	)	PUNCT
cjfa-30902	202	1	rmit	rmit	PROPN
cjfa-30902	202	2	=	=	SYM
cjfa-30902	202	3	risk	risk	NOUN
cjfa-30902	202	4	management	management	NOUN
cjfa-30902	202	5	measured	measure	VERB
cjfa-30902	202	6	by	by	ADP
cjfa-30902	202	7	carit	carit	NOUN
cjfa-30902	202	8	,	,	PUNCT
cjfa-30902	202	9	crwit	crwit	NOUN
cjfa-30902	202	10	and	and	CCONJ
cjfa-30902	202	11	orwit	orwit	NOUN
cjfa-30902	202	12	zit	zit	NOUN
cjfa-30902	202	13	=	=	SYM
cjfa-30902	202	14	control	control	NOUN
cjfa-30902	202	15	variables	variable	NOUN
cjfa-30902	202	16	measured	measure	VERB
cjfa-30902	202	17	by	by	ADP
cjfa-30902	202	18	nplit	nplit	NOUN
cjfa-30902	202	19	,	,	PUNCT
cjfa-30902	202	20	lcrit	lcrit	NOUN
cjfa-30902	202	21	and	and	CCONJ
cjfa-30902	202	22	oeit	oeit	ADJ
cjfa-30902	202	23			NOUN
cjfa-30902	202	24			NOUN
cjfa-30902	202	25	and	and	CCONJ
cjfa-30902	202	26	,	,	PUNCT
cjfa-30902	202	27	:	:	PUNCT
cjfa-30902	202	28	parameters	parameter	NOUN
cjfa-30902	202	29	to	to	PART
cjfa-30902	202	30	be	be	AUX
cjfa-30902	202	31	estimated	estimate	VERB
cjfa-30902	202	32			NOUN
cjfa-30902	202	33	iε	iε	NOUN
cjfa-30902	202	34	:	:	PUNCT
cjfa-30902	202	35	the	the	DET
cjfa-30902	202	36	random	random	ADJ
cjfa-30902	202	37	error	error	NOUN
cjfa-30902	202	38	eventually	eventually	ADV
cjfa-30902	202	39	,	,	PUNCT
cjfa-30902	202	40	we	we	PRON
cjfa-30902	202	41	examine	examine	VERB
cjfa-30902	202	42	the	the	DET
cjfa-30902	202	43	indirect	indirect	ADJ
cjfa-30902	202	44	relationship	relationship	NOUN
cjfa-30902	202	45	between	between	ADP
cjfa-30902	202	46	fininn	fininn	NOUN
cjfa-30902	202	47	and	and	CCONJ
cjfa-30902	202	48	bank	bank	NOUN
cjfa-30902	202	49	performance	performance	NOUN
cjfa-30902	202	50	(	(	PUNCT
cjfa-30902	202	51	roe	roe	NOUN
cjfa-30902	202	52	,	,	PUNCT
cjfa-30902	202	53	mtb	mtb	PROPN
cjfa-30902	202	54	)	)	PUNCT
cjfa-30902	202	55	,	,	PUNCT
cjfa-30902	202	56	using	use	VERB
cjfa-30902	202	57	the	the	DET
cjfa-30902	202	58	effect	effect	NOUN
cjfa-30902	202	59	of	of	ADP
cjfa-30902	202	60	risk	risk	NOUN
cjfa-30902	202	61	management	management	NOUN
cjfa-30902	202	62	(	(	PUNCT
cjfa-30902	202	63	car	car	NOUN
cjfa-30902	202	64	,	,	PUNCT
cjfa-30902	202	65	crw	crw	PROPN
cjfa-30902	202	66	,	,	PUNCT
cjfa-30902	202	67	orw	orw	NUM
cjfa-30902	202	68	)	)	PUNCT
cjfa-30902	202	69	assumptions	assumption	NOUN
cjfa-30902	202	70	made	make	VERB
cjfa-30902	202	71	to	to	PART
cjfa-30902	202	72	be	be	AUX
cjfa-30902	202	73	assessed	assess	VERB
cjfa-30902	202	74	via	via	ADP
cjfa-30902	202	75	a	a	DET
cjfa-30902	202	76	procedure	procedure	NOUN
cjfa-30902	202	77	achievable	achievable	ADJ
cjfa-30902	202	78	through	through	ADP
cjfa-30902	202	79	the	the	DET
cjfa-30902	202	80	construction	construction	NOUN
cjfa-30902	202	81	of	of	ADP
cjfa-30902	202	82	four	four	NUM
cjfa-30902	202	83	models	model	NOUN
cjfa-30902	202	84	,	,	PUNCT
cjfa-30902	202	85	it	it	PRON
cjfa-30902	202	86	seems	seem	VERB
cjfa-30902	202	87	necessary	necessary	ADJ
cjfa-30902	202	88	to	to	PART
cjfa-30902	202	89	test	test	VERB
cjfa-30902	202	90	the	the	DET
cjfa-30902	202	91	existence	existence	NOUN
cjfa-30902	202	92	of	of	ADP
cjfa-30902	202	93	a	a	DET
cjfa-30902	202	94	mediating	mediate	VERB
cjfa-30902	202	95	effect	effect	NOUN
cjfa-30902	202	96	.	.	PUNCT
cjfa-30902	203	1	baron	baron	NOUN
cjfa-30902	203	2	and	and	CCONJ
cjfa-30902	203	3	kenny	kenny	PROPN
cjfa-30902	203	4	(	(	PUNCT
cjfa-30902	203	5	1986	1986	NUM
cjfa-30902	203	6	)	)	PUNCT
cjfa-30902	203	7	consider	consider	VERB
cjfa-30902	203	8	four	four	NUM
cjfa-30902	203	9	conditions	condition	NOUN
cjfa-30902	203	10	for	for	ADP
cjfa-30902	203	11	a	a	DET
cjfa-30902	203	12	complete	complete	ADJ
cjfa-30902	203	13	mediating	mediate	VERB
cjfa-30902	203	14	effect	effect	NOUN
cjfa-30902	203	15	to	to	PART
cjfa-30902	203	16	be	be	AUX
cjfa-30902	203	17	checked	check	VERB
cjfa-30902	203	18	in	in	ADP
cjfa-30902	203	19	terms	term	NOUN
cjfa-30902	203	20	of	of	ADP
cjfa-30902	203	21	car	car	NOUN
cjfa-30902	203	22	,	,	PUNCT
cjfa-30902	203	23	crw	crw	PROPN
cjfa-30902	203	24	,	,	PUNCT
cjfa-30902	203	25	orw	orw	VERB
cjfa-30902	203	26	of	of	ADP
cjfa-30902	203	27	the	the	DET
cjfa-30902	203	28	fininnroa	fininnroa	NOUN
cjfa-30902	203	29	,	,	PUNCT
cjfa-30902	203	30	mtb	mtb	NOUN
cjfa-30902	203	31	relationship	relationship	NOUN
cjfa-30902	203	32	.	.	PUNCT
cjfa-30902	204	1	these	these	DET
cjfa-30902	204	2	conditions	condition	NOUN
cjfa-30902	204	3	are	be	AUX
cjfa-30902	204	4	the	the	DET
cjfa-30902	204	5	following	follow	VERB
cjfa-30902	204	6	:	:	PUNCT
cjfa-30902	204	7	(	(	PUNCT
cjfa-30902	204	8	1	1	X
cjfa-30902	204	9	)	)	PUNCT
cjfa-30902	204	10	the	the	DET
cjfa-30902	204	11	independent	independent	ADJ
cjfa-30902	204	12	variable	variable	NOUN
cjfa-30902	204	13	(	(	PUNCT
cjfa-30902	204	14	fininn	fininn	NOUN
cjfa-30902	204	15	)	)	PUNCT
cjfa-30902	204	16	has	have	AUX
cjfa-30902	204	17	a	a	DET
cjfa-30902	204	18	significant	significant	ADJ
cjfa-30902	204	19	impact	impact	NOUN
cjfa-30902	204	20	on	on	ADP
cjfa-30902	204	21	the	the	DET
cjfa-30902	204	22	bank	bank	NOUN
cjfa-30902	204	23	performance	performance	NOUN
cjfa-30902	204	24	(	(	PUNCT
cjfa-30902	204	25	roa	roa	NOUN
cjfa-30902	204	26	,	,	PUNCT
cjfa-30902	204	27	mtb	mtb	PROPN
cjfa-30902	204	28	)	)	PUNCT
cjfa-30902	204	29	.	.	PUNCT
cjfa-30902	205	1	(	(	PUNCT
cjfa-30902	205	2	2	2	X
cjfa-30902	205	3	)	)	PUNCT
cjfa-30902	205	4	the	the	DET
cjfa-30902	205	5	fininn	fininn	NOUN
cjfa-30902	205	6	significantly	significantly	ADV
cjfa-30902	205	7	influences	influence	VERB
cjfa-30902	205	8	the	the	DET
cjfa-30902	205	9	mediator	mediator	NOUN
cjfa-30902	205	10	variable	variable	NOUN
cjfa-30902	205	11	(	(	PUNCT
cjfa-30902	205	12	car	car	NOUN
cjfa-30902	205	13	,	,	PUNCT
cjfa-30902	205	14	crw	crw	PROPN
cjfa-30902	205	15	,	,	PUNCT
cjfa-30902	205	16	orw	orw	NOUN
cjfa-30902	205	17	)	)	PUNCT
cjfa-30902	205	18	.	.	PUNCT
cjfa-30902	206	1	(	(	PUNCT
cjfa-30902	206	2	3	3	X
cjfa-30902	206	3	)	)	PUNCT
cjfa-30902	206	4	when	when	SCONJ
cjfa-30902	206	5	the	the	DET
cjfa-30902	206	6	influence	influence	NOUN
cjfa-30902	206	7	of	of	ADP
cjfa-30902	206	8	car	car	NOUN
cjfa-30902	206	9	,	,	PUNCT
cjfa-30902	206	10	crw	crw	PROPN
cjfa-30902	206	11	,	,	PUNCT
cjfa-30902	206	12	orw	orw	VERB
cjfa-30902	206	13	on	on	ADP
cjfa-30902	206	14	the	the	DET
cjfa-30902	206	15	bank	bank	NOUN
cjfa-30902	206	16	performance	performance	NOUN
cjfa-30902	206	17	is	be	AUX
cjfa-30902	206	18	taken	take	VERB
cjfa-30902	206	19	into	into	ADP
cjfa-30902	206	20	account	account	NOUN
cjfa-30902	206	21	,	,	PUNCT
cjfa-30902	206	22	the	the	DET
cjfa-30902	206	23	fininn	fininn	NOUN
cjfa-30902	206	24	will	will	AUX
cjfa-30902	206	25	have	have	VERB
cjfa-30902	206	26	no	no	DET
cjfa-30902	206	27	significant	significant	ADJ
cjfa-30902	206	28	effect	effect	NOUN
cjfa-30902	206	29	on	on	ADP
cjfa-30902	206	30	performance	performance	NOUN
cjfa-30902	206	31	.	.	PUNCT
cjfa-30902	207	1	(	(	PUNCT
cjfa-30902	207	2	4	4	X
cjfa-30902	207	3	)	)	PUNCT
cjfa-30902	207	4	the	the	DET
cjfa-30902	207	5	direct	direct	ADJ
cjfa-30902	207	6	effect	effect	NOUN
cjfa-30902	207	7	of	of	ADP
cjfa-30902	207	8	fininn	fininn	NOUN
cjfa-30902	207	9	on	on	ADP
cjfa-30902	207	10	performance	performance	NOUN
cjfa-30902	207	11	should	should	AUX
cjfa-30902	207	12	be	be	AUX
cjfa-30902	207	13	null	null	ADJ
cjfa-30902	207	14	,	,	PUNCT
cjfa-30902	207	15	or	or	CCONJ
cjfa-30902	207	16	reduced	reduce	VERB
cjfa-30902	207	17	by	by	ADP
cjfa-30902	207	18	the	the	DET
cjfa-30902	207	19	insertion	insertion	NOUN
cjfa-30902	207	20	of	of	ADP
cjfa-30902	207	21	the	the	DET
cjfa-30902	207	22	mediator	mediator	NOUN
cjfa-30902	207	23	variable	variable	NOUN
cjfa-30902	207	24	in	in	ADP
cjfa-30902	207	25	order	order	NOUN
cjfa-30902	207	26	to	to	PART
cjfa-30902	207	27	deduce	deduce	VERB
cjfa-30902	207	28	its	its	PRON
cjfa-30902	207	29	mediating	mediate	VERB
cjfa-30902	207	30	impact	impact	NOUN
cjfa-30902	207	31	within	within	ADP
cjfa-30902	207	32	the	the	DET
cjfa-30902	207	33	relationship	relationship	NOUN
cjfa-30902	207	34	.	.	PUNCT
cjfa-30902	208	1	econometrically	econometrically	ADV
cjfa-30902	208	2	,	,	PUNCT
cjfa-30902	208	3	we	we	PRON
cjfa-30902	208	4	first	first	ADV
cjfa-30902	208	5	estimate	estimate	VERB
cjfa-30902	208	6	model	model	NOUN
cjfa-30902	208	7	1	1	NUM
cjfa-30902	208	8	with	with	ADP
cjfa-30902	208	9	the	the	DET
cjfa-30902	208	10	aim	aim	NOUN
cjfa-30902	208	11	of	of	ADP
cjfa-30902	208	12	testing	test	VERB
cjfa-30902	208	13	the	the	DET
cjfa-30902	208	14	direct	direct	ADJ
cjfa-30902	208	15	effect	effect	NOUN
cjfa-30902	208	16	of	of	ADP
cjfa-30902	208	17	fininn	fininn	NOUN
cjfa-30902	208	18	on	on	ADP
cjfa-30902	208	19	bank	bank	NOUN
cjfa-30902	208	20	performance	performance	NOUN
cjfa-30902	208	21	(	(	PUNCT
cjfa-30902	208	22	roa	roa	NOUN
cjfa-30902	208	23	,	,	PUNCT
cjfa-30902	208	24	mtb	mtb	PROPN
cjfa-30902	208	25	)	)	PUNCT
cjfa-30902	208	26	,	,	PUNCT
cjfa-30902	208	27	and	and	CCONJ
cjfa-30902	208	28	validating	validate	VERB
cjfa-30902	208	29	hypothesis	hypothesis	NOUN
cjfa-30902	208	30	(	(	PUNCT
cjfa-30902	208	31	h1	h1	PROPN
cjfa-30902	208	32	)	)	PUNCT
cjfa-30902	208	33	.	.	PUNCT
cjfa-30902	209	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	209	2	�	�	PROPN
cjfa-30902	209	3	�	�	PROPN
cjfa-30902	209	4	=	=	PUNCT
cjfa-30902	209	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	209	6	𝛼	𝛼	PROPN
cjfa-30902	209	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	209	8	�	�	PROPN
cjfa-30902	209	9	�	�	PROPN
cjfa-30902	209	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	209	11	�	�	PROPN
cjfa-30902	209	12	�	�	PROPN
cjfa-30902	209	13	𝛼	𝛼	PROPN
cjfa-30902	209	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	209	15	�	�	PROPN
cjfa-30902	209	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	209	17	�	�	PROPN
cjfa-30902	209	18	�	�	PROPN
cjfa-30902	209	19	𝛼	𝛼	PROPN
cjfa-30902	209	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	209	21	�	�	PROPN
cjfa-30902	209	22	�	�	PROPN
cjfa-30902	209	23	second	second	NOUN
cjfa-30902	209	24	,	,	PUNCT
cjfa-30902	209	25	we	we	PRON
cjfa-30902	209	26	estimate	estimate	VERB
cjfa-30902	209	27	the	the	DET
cjfa-30902	209	28	relationship	relationship	NOUN
cjfa-30902	209	29	between	between	ADP
cjfa-30902	209	30	fininn	fininn	NOUN
cjfa-30902	209	31	and	and	CCONJ
cjfa-30902	209	32	risk	risk	NOUN
cjfa-30902	209	33	management	management	NOUN
cjfa-30902	209	34	(	(	PUNCT
cjfa-30902	209	35	car	car	NOUN
cjfa-30902	209	36	,	,	PUNCT
cjfa-30902	209	37	crw	crw	PROPN
cjfa-30902	209	38	,	,	PUNCT
cjfa-30902	209	39	orw	orw	ADJ
cjfa-30902	209	40	)	)	PUNCT
cjfa-30902	209	41	so	so	SCONJ
cjfa-30902	209	42	as	as	SCONJ
cjfa-30902	209	43	to	to	PART
cjfa-30902	209	44	validate	validate	VERB
cjfa-30902	209	45	hypothesis	hypothesis	NOUN
cjfa-30902	209	46	(	(	PUNCT
cjfa-30902	209	47	h2	h2	NOUN
cjfa-30902	209	48	)	)	PUNCT
cjfa-30902	209	49	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	209	50	�	�	PROPN
cjfa-30902	209	51	�	�	PROPN
cjfa-30902	209	52	=	=	PUNCT
cjfa-30902	209	53	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	209	54	𝛼	𝛼	PROPN
cjfa-30902	209	55	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	209	56	�	�	PROPN
cjfa-30902	209	57	�	�	PROPN
cjfa-30902	209	58	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	209	59	�	�	PROPN
cjfa-30902	209	60	�	�	PROPN
cjfa-30902	209	61	𝛼	𝛼	PROPN
cjfa-30902	209	62	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	209	63	�	�	PROPN
cjfa-30902	209	64	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	209	65	�	�	PROPN
cjfa-30902	209	66	�	�	PROPN
cjfa-30902	209	67	𝛼	𝛼	PROPN
cjfa-30902	209	68	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	209	69	�	�	PROPN
cjfa-30902	209	70	�	�	PROPN
cjfa-30902	209	71	afterwards	afterwards	ADV
cjfa-30902	209	72	,	,	PUNCT
cjfa-30902	209	73	we	we	PRON
cjfa-30902	209	74	estimate	estimate	VERB
cjfa-30902	209	75	the	the	DET
cjfa-30902	209	76	relationship	relationship	NOUN
cjfa-30902	209	77	between	between	ADP
cjfa-30902	209	78	risk	risk	NOUN
cjfa-30902	209	79	management	management	NOUN
cjfa-30902	209	80	(	(	PUNCT
cjfa-30902	209	81	car	car	NOUN
cjfa-30902	209	82	,	,	PUNCT
cjfa-30902	209	83	crw	crw	PROPN
cjfa-30902	209	84	,	,	PUNCT
cjfa-30902	209	85	orw	orw	ADJ
cjfa-30902	209	86	)	)	PUNCT
cjfa-30902	209	87	and	and	CCONJ
cjfa-30902	209	88	bank	bank	NOUN
cjfa-30902	209	89	performance	performance	NOUN
cjfa-30902	209	90	(	(	PUNCT
cjfa-30902	209	91	roa	roa	PROPN
cjfa-30902	209	92	,	,	PUNCT
cjfa-30902	209	93	mtb	mtb	PROPN
cjfa-30902	209	94	)	)	PUNCT
cjfa-30902	209	95	for	for	ADP
cjfa-30902	209	96	validating	validate	VERB
cjfa-30902	209	97	hypothesis	hypothesis	NOUN
cjfa-30902	209	98	(	(	PUNCT
cjfa-30902	209	99	h3	h3	NOUN
cjfa-30902	209	100	)	)	PUNCT
cjfa-30902	210	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	210	2	�	�	PROPN
cjfa-30902	210	3	�	�	PROPN
cjfa-30902	210	4	=	=	PUNCT
cjfa-30902	210	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	210	6	𝛼	𝛼	PROPN
cjfa-30902	210	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	210	8	�	�	PROPN
cjfa-30902	210	9	�	�	PROPN
cjfa-30902	210	10	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	210	11	�	�	PROPN
cjfa-30902	210	12	�	�	PROPN
cjfa-30902	210	13	𝛼	𝛼	PROPN
cjfa-30902	210	14	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	210	15	�	�	PROPN
cjfa-30902	210	16	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	210	17	�	�	PROPN
cjfa-30902	210	18	�	�	PROPN
cjfa-30902	210	19	𝛼	𝛼	PROPN
cjfa-30902	210	20	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	210	21	�	�	PROPN
cjfa-30902	210	22	�	�	PROPN
cjfa-30902	210	23	eventually	eventually	ADV
cjfa-30902	210	24	,	,	PUNCT
cjfa-30902	210	25	we	we	PRON
cjfa-30902	210	26	examine	examine	VERB
cjfa-30902	210	27	the	the	DET
cjfa-30902	210	28	indirect	indirect	ADJ
cjfa-30902	210	29	relationship	relationship	NOUN
cjfa-30902	210	30	between	between	ADP
cjfa-30902	210	31	fininn	fininn	NOUN
cjfa-30902	210	32	and	and	CCONJ
cjfa-30902	210	33	bank	bank	NOUN
cjfa-30902	210	34	performance	performance	NOUN
cjfa-30902	210	35	(	(	PUNCT
cjfa-30902	210	36	roe	roe	NOUN
cjfa-30902	210	37	,	,	PUNCT
cjfa-30902	210	38	mtb	mtb	PROPN
cjfa-30902	210	39	)	)	PUNCT
cjfa-30902	210	40	,	,	PUNCT
cjfa-30902	210	41	using	use	VERB
cjfa-30902	210	42	the	the	DET
cjfa-30902	210	43	effect	effect	NOUN
cjfa-30902	210	44	of	of	ADP
cjfa-30902	210	45	risk	risk	NOUN
cjfa-30902	210	46	management	management	NOUN
cjfa-30902	210	47	(	(	PUNCT
cjfa-30902	210	48	car	car	NOUN
cjfa-30902	210	49	,	,	PUNCT
cjfa-30902	210	50	crw	crw	PROPN
cjfa-30902	210	51	,	,	PUNCT
cjfa-30902	210	52	orw	orw	ADJ
cjfa-30902	210	53	)	)	PUNCT
cjfa-30902	211	1	𝑃𝑃	𝑃𝑃	PROPN
cjfa-30902	211	2	�	�	PROPN
cjfa-30902	211	3	�	�	PROPN
cjfa-30902	211	4	=	=	PUNCT
cjfa-30902	211	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	211	6	𝛼	𝛼	PROPN
cjfa-30902	211	7	𝛼𝛼	𝛼𝛼	ADP
cjfa-30902	211	8	�	�	PROPN
cjfa-30902	211	9	�	�	PROPN
cjfa-30902	211	10	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹𝐹	PROPN
cjfa-30902	211	11	�	�	PROPN
cjfa-30902	211	12	�	�	PROPN
cjfa-30902	211	13	𝛼	𝛼	PROPN
cjfa-30902	211	14	𝛾𝛾	𝛾𝛾	PROPN
cjfa-30902	211	15	�	�	PROPN
cjfa-30902	211	16	�	�	PROPN
cjfa-30902	211	17	𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅	PROPN
cjfa-30902	211	18	�	�	PROPN
cjfa-30902	211	19	�	�	PROPN
cjfa-30902	211	20	𝛼	𝛼	PROPN
cjfa-30902	211	21	𝛿𝛿	𝛿𝛿	PROPN
cjfa-30902	211	22	�	�	PROPN
cjfa-30902	211	23	𝑍𝑍	𝑍𝑍	PROPN
cjfa-30902	211	24	�	�	PROPN
cjfa-30902	211	25	�	�	PROPN
cjfa-30902	211	26	𝛼	𝛼	PROPN
cjfa-30902	211	27	𝜀𝜀	𝜀𝜀	PROPN
cjfa-30902	211	28	�	�	PROPN
cjfa-30902	211	29	�	�	PROPN
cjfa-30902	211	30	(	(	PUNCT
cjfa-30902	211	31	𝐻𝐻𝐻𝐻	𝐻𝐻𝐻𝐻	PROPN
cjfa-30902	211	32	pit	pit	NOUN
cjfa-30902	211	33	=	=	VERB
cjfa-30902	211	34	bank	bank	NOUN
cjfa-30902	211	35	performance	performance	NOUN
cjfa-30902	211	36	measured	measure	VERB
cjfa-30902	211	37	by	by	ADP
cjfa-30902	211	38	roait	roait	NOUN
cjfa-30902	211	39	and	and	CCONJ
cjfa-30902	211	40	mtbit	mtbit	VERB
cjfa-30902	211	41	ratios	ratio	NOUN
cjfa-30902	211	42	fininnit	fininnit	NOUN
cjfa-30902	211	43	=	=	PUNCT
cjfa-30902	211	44	financial	financial	ADJ
cjfa-30902	211	45	innovation	innovation	NOUN
cjfa-30902	211	46	measured	measure	VERB
cjfa-30902	211	47	by	by	ADP
cjfa-30902	211	48	the	the	DET
cjfa-30902	211	49	ratio	ratio	NOUN
cjfa-30902	211	50	=	=	PUNCT
cjfa-30902	211	51	sum	sum	NOUN
cjfa-30902	211	52	of	of	ADP
cjfa-30902	211	53	tangible	tangible	ADJ
cjfa-30902	211	54	and	and	CCONJ
cjfa-30902	211	55	intangible	intangible	ADJ
cjfa-30902	211	56	assetit	assetit	NOUN
cjfa-30902	211	57	/	/	SYM
cjfa-30902	211	58	innovation	innovation	NOUN
cjfa-30902	211	59	to	to	PART
cjfa-30902	211	60	total	total	ADJ
cjfa-30902	211	61	assetit	assetit	PROPN
cjfa-30902	211	62	)	)	PUNCT
cjfa-30902	212	1	rmit	rmit	PROPN
cjfa-30902	212	2	=	=	SYM
cjfa-30902	212	3	risk	risk	NOUN
cjfa-30902	212	4	management	management	NOUN
cjfa-30902	212	5	measured	measure	VERB
cjfa-30902	212	6	by	by	ADP
cjfa-30902	212	7	carit	carit	NOUN
cjfa-30902	212	8	,	,	PUNCT
cjfa-30902	212	9	crwit	crwit	NOUN
cjfa-30902	212	10	and	and	CCONJ
cjfa-30902	212	11	orwit	orwit	NOUN
cjfa-30902	212	12	zit	zit	NOUN
cjfa-30902	212	13	=	=	SYM
cjfa-30902	212	14	control	control	NOUN
cjfa-30902	212	15	variables	variable	NOUN
cjfa-30902	212	16	measured	measure	VERB
cjfa-30902	212	17	by	by	ADP
cjfa-30902	212	18	nplit	nplit	NOUN
cjfa-30902	212	19	,	,	PUNCT
cjfa-30902	212	20	lcrit	lcrit	NOUN
cjfa-30902	212	21	and	and	CCONJ
cjfa-30902	212	22	oeit	oeit	ADJ
cjfa-30902	212	23			NOUN
cjfa-30902	212	24			NOUN
cjfa-30902	212	25	and	and	CCONJ
cjfa-30902	212	26	,	,	PUNCT
cjfa-30902	212	27	:	:	PUNCT
cjfa-30902	212	28	parameters	parameter	NOUN
cjfa-30902	212	29	to	to	PART
cjfa-30902	212	30	be	be	AUX
cjfa-30902	212	31	estimated	estimate	VERB
cjfa-30902	212	32			NOUN
cjfa-30902	212	33	iε	iε	NOUN
cjfa-30902	212	34	:	:	PUNCT
cjfa-30902	212	35	the	the	DET
cjfa-30902	212	36	random	random	ADJ
cjfa-30902	212	37	error	error	NOUN
cjfa-30902	212	38	pit	pit	NOUN
cjfa-30902	212	39	=	=	PUNCT
cjfa-30902	212	40	bank	bank	NOUN
cjfa-30902	212	41	performance	performance	NOUN
cjfa-30902	212	42	measured	measure	VERB
cjfa-30902	212	43	by	by	ADP
cjfa-30902	212	44	roait	roait	NOUN
cjfa-30902	212	45	and	and	CCONJ
cjfa-30902	212	46	mtbit	mtbit	VERB
cjfa-30902	212	47	ratios	ratio	NOUN
cjfa-30902	212	48	fininnit	fininnit	NOUN
cjfa-30902	212	49	=	=	PUNCT
cjfa-30902	212	50	financial	financial	ADJ
cjfa-30902	212	51	innovation	innovation	NOUN
cjfa-30902	212	52	measured	measure	VERB
cjfa-30902	212	53	by	by	ADP
cjfa-30902	212	54	the	the	DET
cjfa-30902	212	55	ratio	ratio	NOUN
cjfa-30902	212	56	=	=	PUNCT
cjfa-30902	212	57	sum	sum	NOUN
cjfa-30902	212	58	of	of	ADP
cjfa-30902	212	59	tangible	tangible	ADJ
cjfa-30902	212	60	and	and	CCONJ
cjfa-30902	212	61	intangible	intangible	ADJ
cjfa-30902	212	62	assetit	assetit	NOUN
cjfa-30902	212	63	/	/	SYM
cjfa-30902	212	64	innovation	innovation	NOUN
cjfa-30902	212	65	to	to	PART
cjfa-30902	212	66	total	total	ADJ
cjfa-30902	212	67	assetit	assetit	PROPN
cjfa-30902	212	68	)	)	PUNCT
cjfa-30902	213	1	rmit	rmit	PROPN
cjfa-30902	213	2	=	=	SYM
cjfa-30902	213	3	risk	risk	NOUN
cjfa-30902	213	4	management	management	NOUN
cjfa-30902	213	5	measured	measure	VERB
cjfa-30902	213	6	by	by	ADP
cjfa-30902	213	7	carit	carit	NOUN
cjfa-30902	213	8	,	,	PUNCT
cjfa-30902	213	9	crwit	crwit	NOUN
cjfa-30902	213	10	and	and	CCONJ
cjfa-30902	213	11	orwit	orwit	NOUN
cjfa-30902	213	12	zit	zit	NOUN
cjfa-30902	213	13	=	=	SYM
cjfa-30902	213	14	control	control	NOUN
cjfa-30902	213	15	variables	variable	NOUN
cjfa-30902	213	16	measured	measure	VERB
cjfa-30902	213	17	by	by	ADP
cjfa-30902	213	18	nplit	nplit	NOUN
cjfa-30902	213	19	,	,	PUNCT
cjfa-30902	213	20	lcrit	lcrit	NOUN
cjfa-30902	213	21	and	and	CCONJ
cjfa-30902	213	22	oeit	oeit	ADJ
cjfa-30902	213	23	■	■	PROPN
cjfa-30902	213	24	β	β	X
cjfa-30902	213	25	,	,	PUNCT
cjfa-30902	213	26	γ	γ	PROPN
cjfa-30902	213	27	and	and	CCONJ
cjfa-30902	213	28	α	α	NOUN
cjfa-30902	213	29	:	:	PUNCT
cjfa-30902	213	30	parameters	parameter	NOUN
cjfa-30902	213	31	to	to	PART
cjfa-30902	213	32	be	be	AUX
cjfa-30902	213	33	estimated	estimate	VERB
cjfa-30902	213	34	■	■	PUNCT
cjfa-30902	213	35	ε1	ε1	VERB
cjfa-30902	213	36	:	:	PUNCT
cjfa-30902	213	37	the	the	DET
cjfa-30902	213	38	random	random	ADJ
cjfa-30902	213	39	error	error	NOUN
cjfa-30902	213	40	analyses	analysis	NOUN
cjfa-30902	213	41	in	in	ADP
cjfa-30902	213	42	order	order	NOUN
cjfa-30902	213	43	to	to	PART
cjfa-30902	213	44	test	test	VERB
cjfa-30902	213	45	the	the	DET
cjfa-30902	213	46	hypothetical	hypothetical	ADJ
cjfa-30902	213	47	relationships	relationship	NOUN
cjfa-30902	213	48	,	,	PUNCT
cjfa-30902	213	49	our	our	PRON
cjfa-30902	213	50	research	research	NOUN
cjfa-30902	213	51	has	have	AUX
cjfa-30902	213	52	followed	follow	VERB
cjfa-30902	213	53	the	the	DET
cjfa-30902	213	54	commonly	commonly	ADV
cjfa-30902	213	55	established	establish	VERB
cjfa-30902	213	56	two	two	NUM
cjfa-30902	213	57	-	-	PUNCT
cjfa-30902	213	58	stage	stage	NOUN
cjfa-30902	213	59	procedure	procedure	NOUN
cjfa-30902	213	60	.	.	PUNCT
cjfa-30902	214	1	the	the	DET
cjfa-30902	214	2	first	first	ADJ
cjfa-30902	214	3	stage	stage	NOUN
cjfa-30902	214	4	is	be	AUX
cjfa-30902	214	5	the	the	DET
cjfa-30902	214	6	descriptive	descriptive	ADJ
cjfa-30902	214	7	statistics	statistic	NOUN
cjfa-30902	214	8	and	and	CCONJ
cjfa-30902	214	9	correlation	correlation	NOUN
cjfa-30902	214	10	results	result	NOUN
cjfa-30902	214	11	.	.	PUNCT
cjfa-30902	215	1	indeed	indeed	ADV
cjfa-30902	215	2	,	,	PUNCT
cjfa-30902	215	3	the	the	DET
cjfa-30902	215	4	normality	normality	NOUN
cjfa-30902	215	5	of	of	ADP
cjfa-30902	215	6	the	the	DET
cjfa-30902	215	7	variables	variable	NOUN
cjfa-30902	215	8	is	be	AUX
cjfa-30902	215	9	supposed	suppose	VERB
cjfa-30902	215	10	to	to	PART
cjfa-30902	215	11	be	be	AUX
cjfa-30902	215	12	checked	check	VERB
cjfa-30902	215	13	because	because	SCONJ
cjfa-30902	215	14	the	the	DET
cjfa-30902	215	15	number	number	NOUN
cjfa-30902	215	16	of	of	ADP
cjfa-30902	215	17	observations	observation	NOUN
cjfa-30902	215	18	is	be	AUX
cjfa-30902	215	19	greater	great	ADJ
cjfa-30902	215	20	than	than	ADP
cjfa-30902	215	21	30	30	NUM
cjfa-30902	215	22	.	.	PUNCT
cjfa-30902	216	1	financial	financial	ADJ
cjfa-30902	216	2	innovation	innovation	NOUN
cjfa-30902	216	3	,	,	PUNCT
cjfa-30902	216	4	risk	risk	NOUN
cjfa-30902	216	5	management	management	NOUN
cjfa-30902	216	6	,	,	PUNCT
cjfa-30902	216	7	and	and	CCONJ
cjfa-30902	216	8	bank	bank	NOUN
cjfa-30902	216	9	performance	performance	NOUN
cjfa-30902	216	10	89	89	NUM
cjfa-30902	216	11	according	accord	VERB
cjfa-30902	216	12	to	to	ADP
cjfa-30902	216	13	the	the	DET
cjfa-30902	216	14	pearson	pearson	NOUN
cjfa-30902	216	15	correlation	correlation	NOUN
cjfa-30902	216	16	,	,	PUNCT
cjfa-30902	216	17	as	as	SCONJ
cjfa-30902	216	18	shown	show	VERB
cjfa-30902	216	19	in	in	ADP
cjfa-30902	216	20	table	table	NOUN
cjfa-30902	216	21	1	1	NUM
cjfa-30902	216	22	,	,	PUNCT
cjfa-30902	216	23	there	there	PRON
cjfa-30902	216	24	are	be	VERB
cjfa-30902	216	25	no	no	DET
cjfa-30902	216	26	correlations	correlation	NOUN
cjfa-30902	216	27	exceeding	exceed	VERB
cjfa-30902	216	28	0.5	0.5	NUM
cjfa-30902	216	29	between	between	ADP
cjfa-30902	216	30	our	our	PRON
cjfa-30902	216	31	explanatory	explanatory	ADJ
cjfa-30902	216	32	variables	variable	NOUN
cjfa-30902	216	33	,	,	PUNCT
cjfa-30902	216	34	which	which	PRON
cjfa-30902	216	35	means	mean	VERB
cjfa-30902	216	36	the	the	DET
cjfa-30902	216	37	absence	absence	NOUN
cjfa-30902	216	38	of	of	ADP
cjfa-30902	216	39	multi	multi	ADJ
cjfa-30902	216	40	-	-	ADJ
cjfa-30902	216	41	collinearity	collinearity	ADJ
cjfa-30902	216	42	problems	problem	NOUN
cjfa-30902	216	43	between	between	ADP
cjfa-30902	216	44	the	the	DET
cjfa-30902	216	45	independent	independent	ADJ
cjfa-30902	216	46	variables	variable	NOUN
cjfa-30902	216	47	.	.	PUNCT
cjfa-30902	217	1	table	table	NOUN
cjfa-30902	217	2	1	1	NUM
cjfa-30902	217	3	.	.	PUNCT
cjfa-30902	217	4	descriptive	descriptive	ADJ
cjfa-30902	217	5	statistics	statistic	NOUN
cjfa-30902	217	6	and	and	CCONJ
cjfa-30902	217	7	pearson	pearson	PROPN
cjfa-30902	217	8	correlation	correlation	NOUN
cjfa-30902	217	9	matrix	matrix	NOUN
cjfa-30902	217	10	mean	mean	NOUN
cjfa-30902	217	11	(	(	PUNCT
cjfa-30902	217	12	s.d)a	s.d)a	ADJ
cjfa-30902	217	13	1	1	NUM
cjfa-30902	217	14	2	2	NUM
cjfa-30902	217	15	3	3	NUM
cjfa-30902	217	16	4	4	NUM
cjfa-30902	217	17	5	5	NUM
cjfa-30902	217	18	6	6	NUM
cjfa-30902	217	19	7	7	NUM
cjfa-30902	217	20	roe	roe	NOUN
cjfa-30902	217	21	0.12	0.12	NUM
cjfa-30902	217	22	0.11	0.11	NUM
cjfa-30902	217	23	mtb	mtb	NOUN
cjfa-30902	217	24	1.51	1.51	NUM
cjfa-30902	217	25	0.97	0.97	NUM
cjfa-30902	217	26	1	1	NUM
cjfa-30902	217	27	fininn	fininn	NOUN
cjfa-30902	217	28	0.09	0.09	NUM
cjfa-30902	217	29	0.11	0.11	NUM
cjfa-30902	217	30	1	1	NUM
cjfa-30902	217	31	2	2	NUM
cjfa-30902	217	32	car	car	NOUN
cjfa-30902	217	33	0.11	0.11	NUM
cjfa-30902	217	34	0.03	0.03	NUM
cjfa-30902	217	35	-0.103	-0.103	NUM
cjfa-30902	217	36	1	1	NUM
cjfa-30902	217	37	3	3	NUM
cjfa-30902	217	38	crw	crw	NOUN
cjfa-30902	217	39	0.89	0.89	NUM
cjfa-30902	217	40	0.11	0.11	NUM
cjfa-30902	217	41	0.032	0.032	NUM
cjfa-30902	217	42	-0.0003	-0.0003	NOUN
cjfa-30902	217	43	1	1	NUM
cjfa-30902	217	44	4	4	NUM
cjfa-30902	217	45	orw	orw	VERB
cjfa-30902	217	46	0.09	0.09	NUM
cjfa-30902	217	47	0.02	0.02	NUM
cjfa-30902	217	48	0.1427	0.1427	NUM
cjfa-30902	217	49	0.151	0.151	NUM
cjfa-30902	217	50	-0.184	-0.184	NOUN
cjfa-30902	217	51	1	1	NUM
cjfa-30902	217	52	5	5	NUM
cjfa-30902	217	53	npl	npl	NOUN
cjfa-30902	217	54	0.13	0.13	NUM
cjfa-30902	217	55	0.09	0.09	NUM
cjfa-30902	217	56	-0.196	-0.196	NOUN
cjfa-30902	217	57	-0.221	-0.221	PUNCT
cjfa-30902	217	58	0.025	0.025	NUM
cjfa-30902	217	59	-0.463	-0.463	NUM
cjfa-30902	217	60	1	1	NUM
cjfa-30902	217	61	6	6	NUM
cjfa-30902	217	62	lcr	lcr	NOUN
cjfa-30902	217	63	1.08	1.08	NUM
cjfa-30902	217	64	0.43	0.43	NUM
cjfa-30902	217	65	-0.0111	-0.0111	NOUN
cjfa-30902	217	66	0.184	0.184	NUM
cjfa-30902	217	67	0.020	0.020	NUM
cjfa-30902	217	68	0.284	0.284	NUM
cjfa-30902	217	69	-0.119	-0.119	SYM
cjfa-30902	217	70	1	1	NUM
cjfa-30902	217	71	7	7	NUM
cjfa-30902	217	72	oe	oe	NOUN
cjfa-30902	217	73	3.28	3.28	NUM
cjfa-30902	217	74	5.17	5.17	NUM
cjfa-30902	217	75	-0.122	-0.122	NOUN
cjfa-30902	217	76	-0.249	-0.249	PUNCT
cjfa-30902	217	77	-0.018	-0.018	PUNCT
cjfa-30902	217	78	-0.291	-0.291	VERB
cjfa-30902	217	79	0.291	0.291	NUM
cjfa-30902	217	80	-0.167	-0.167	NUM
cjfa-30902	217	81	1	1	NUM
cjfa-30902	217	82	n	n	NUM
cjfa-30902	217	83	o	o	NOUN
cjfa-30902	217	84	t	t	NOUN
cjfa-30902	217	85	e	e	NOUN
cjfa-30902	217	86	:	:	PUNCT
cjfa-30902	217	87	astandard	astandard	VERB
cjfa-30902	217	88	deviation	deviation	NOUN
cjfa-30902	217	89	.	.	PUNCT
cjfa-30902	218	1	all	all	DET
cjfa-30902	218	2	correlations	correlation	NOUN
cjfa-30902	218	3	between	between	ADP
cjfa-30902	218	4	variables	variable	NOUN
cjfa-30902	218	5	are	be	AUX
cjfa-30902	218	6	significantly	significantly	ADV
cjfa-30902	218	7	smaller	small	ADJ
cjfa-30902	218	8	than	than	ADP
cjfa-30902	218	9	0.6	0.6	NUM
cjfa-30902	218	10	(	(	PUNCT
cjfa-30902	218	11	threshold	threshold	NOUN
cjfa-30902	218	12	at	at	ADP
cjfa-30902	218	13	which	which	PRON
cjfa-30902	218	14	we	we	PRON
cjfa-30902	218	15	begin	begin	VERB
cjfa-30902	218	16	to	to	PART
cjfa-30902	218	17	experience	experience	VERB
cjfa-30902	218	18	serious	serious	ADJ
cjfa-30902	218	19	problems	problem	NOUN
cjfa-30902	218	20	of	of	ADP
cjfa-30902	218	21	multi	multi	NOUN
cjfa-30902	218	22	-	-	NOUN
cjfa-30902	218	23	colinearity	colinearity	NOUN
cjfa-30902	218	24	)	)	PUNCT
cjfa-30902	218	25	.	.	PUNCT
cjfa-30902	219	1	in	in	ADP
cjfa-30902	219	2	the	the	DET
cjfa-30902	219	3	pearson	pearson	PROPN
cjfa-30902	219	4	test	test	NOUN
cjfa-30902	219	5	and	and	CCONJ
cjfa-30902	219	6	the	the	DET
cjfa-30902	219	7	index	index	NOUN
cjfa-30902	219	8	of	of	ADP
cjfa-30902	219	9	conditioning	conditioning	NOUN
cjfa-30902	219	10	,	,	PUNCT
cjfa-30902	219	11	we	we	PRON
cjfa-30902	219	12	have	have	AUX
cjfa-30902	219	13	found	find	VERB
cjfa-30902	219	14	that	that	SCONJ
cjfa-30902	219	15	these	these	DET
cjfa-30902	219	16	variables	variable	NOUN
cjfa-30902	219	17	are	be	AUX
cjfa-30902	219	18	distinct	distinct	ADJ
cjfa-30902	219	19	from	from	ADP
cjfa-30902	219	20	each	each	DET
cjfa-30902	219	21	other	other	ADJ
cjfa-30902	219	22	and	and	CCONJ
cjfa-30902	219	23	are	be	AUX
cjfa-30902	219	24	not	not	PART
cjfa-30902	219	25	significant	significant	ADJ
cjfa-30902	219	26	(	(	PUNCT
cjfa-30902	219	27	correlation	correlation	NOUN
cjfa-30902	219	28	thresholds	threshold	NOUN
cjfa-30902	219	29	are	be	AUX
cjfa-30902	219	30	above	above	ADP
cjfa-30902	219	31	10	10	NUM
cjfa-30902	219	32	%	%	NOUN
cjfa-30902	219	33	,	,	PUNCT
cjfa-30902	219	34	and	and	CCONJ
cjfa-30902	219	35	the	the	DET
cjfa-30902	219	36	packaging	packaging	NOUN
cjfa-30902	219	37	is	be	AUX
cjfa-30902	219	38	less	less	ADJ
cjfa-30902	219	39	than	than	ADP
cjfa-30902	219	40	1000	1000	NUM
cjfa-30902	219	41	)	)	PUNCT
cjfa-30902	219	42	.	.	PUNCT
cjfa-30902	220	1	s	s	PART
cjfa-30902	220	2	o	o	X
cjfa-30902	220	3	u	u	NOUN
cjfa-30902	220	4	r	r	NOUN
cjfa-30902	220	5	c	c	NOUN
cjfa-30902	220	6	e	e	NOUN
cjfa-30902	220	7	:	:	PUNCT
cjfa-30902	220	8	author	author	PROPN
cjfa-30902	220	9	’s	’s	PART
cjfa-30902	220	10	computation	computation	NOUN
cjfa-30902	220	11	,	,	PUNCT
cjfa-30902	220	12	2019	2019	NUM
cjfa-30902	220	13	.	.	PUNCT
cjfa-30902	221	1	in	in	ADP
cjfa-30902	221	2	the	the	DET
cjfa-30902	221	3	second	second	ADJ
cjfa-30902	221	4	stage	stage	NOUN
cjfa-30902	221	5	,	,	PUNCT
cjfa-30902	221	6	the	the	DET
cjfa-30902	221	7	relationship	relationship	NOUN
cjfa-30902	221	8	between	between	ADP
cjfa-30902	221	9	the	the	DET
cjfa-30902	221	10	variables	variable	NOUN
cjfa-30902	221	11	are	be	AUX
cjfa-30902	221	12	analysed	analyse	VERB
cjfa-30902	221	13	by	by	ADP
cjfa-30902	221	14	using	use	VERB
cjfa-30902	221	15	panel	panel	NOUN
cjfa-30902	221	16	data	datum	NOUN
cjfa-30902	221	17	,	,	PUNCT
cjfa-30902	221	18	following	follow	VERB
cjfa-30902	221	19	the	the	DET
cjfa-30902	221	20	method	method	NOUN
cjfa-30902	221	21	of	of	ADP
cjfa-30902	221	22	baron	baron	NOUN
cjfa-30902	221	23	and	and	CCONJ
cjfa-30902	221	24	kenny	kenny	PROPN
cjfa-30902	221	25	(	(	PUNCT
cjfa-30902	221	26	1986	1986	NUM
cjfa-30902	221	27	)	)	PUNCT
cjfa-30902	221	28	.	.	PUNCT
cjfa-30902	222	1	to	to	PART
cjfa-30902	222	2	start	start	VERB
cjfa-30902	222	3	with	with	ADP
cjfa-30902	222	4	,	,	PUNCT
cjfa-30902	222	5	the	the	DET
cjfa-30902	222	6	test	test	NOUN
cjfa-30902	222	7	of	of	ADP
cjfa-30902	222	8	homogeneity	homogeneity	NOUN
cjfa-30902	222	9	is	be	AUX
cjfa-30902	222	10	conducted	conduct	VERB
cjfa-30902	222	11	to	to	PART
cjfa-30902	222	12	validate	validate	VERB
cjfa-30902	222	13	the	the	DET
cjfa-30902	222	14	existence	existence	NOUN
cjfa-30902	222	15	of	of	ADP
cjfa-30902	222	16	individual	individual	ADJ
cjfa-30902	222	17	effects	effect	NOUN
cjfa-30902	222	18	in	in	ADP
cjfa-30902	222	19	models	model	NOUN
cjfa-30902	222	20	.	.	PUNCT
cjfa-30902	223	1	referring	refer	VERB
cjfa-30902	223	2	to	to	ADP
cjfa-30902	223	3	table	table	NOUN
cjfa-30902	223	4	2	2	NUM
cjfa-30902	223	5	,	,	PUNCT
cjfa-30902	223	6	the	the	DET
cjfa-30902	223	7	results	result	NOUN
cjfa-30902	223	8	show	show	VERB
cjfa-30902	223	9	that	that	SCONJ
cjfa-30902	223	10	the	the	DET
cjfa-30902	223	11	p	p	NOUN
cjfa-30902	223	12	-	-	PUNCT
cjfa-30902	223	13	values	value	NOUN
cjfa-30902	223	14	associated	associate	VERB
cjfa-30902	223	15	with	with	ADP
cjfa-30902	223	16	the	the	DET
cjfa-30902	223	17	f	f	NOUN
cjfa-30902	223	18	-	-	PUNCT
cjfa-30902	223	19	statistic	statistic	NOUN
cjfa-30902	223	20	calculated	calculate	VERB
cjfa-30902	223	21	for	for	ADP
cjfa-30902	223	22	each	each	DET
cjfa-30902	223	23	model	model	NOUN
cjfa-30902	223	24	are	be	AUX
cjfa-30902	223	25	less	less	ADJ
cjfa-30902	223	26	than	than	ADP
cjfa-30902	223	27	1	1	NUM
cjfa-30902	223	28	%	%	NOUN
cjfa-30902	223	29	and	and	CCONJ
cjfa-30902	223	30	10	10	NUM
cjfa-30902	223	31	%	%	NOUN
cjfa-30902	223	32	,	,	PUNCT
cjfa-30902	223	33	except	except	SCONJ
cjfa-30902	223	34	for	for	ADP
cjfa-30902	223	35	models	model	NOUN
cjfa-30902	223	36	4	4	NUM
cjfa-30902	223	37	and	and	CCONJ
cjfa-30902	223	38	10	10	NUM
cjfa-30902	223	39	which	which	PRON
cjfa-30902	223	40	do	do	AUX
cjfa-30902	223	41	not	not	PART
cjfa-30902	223	42	require	require	VERB
cjfa-30902	223	43	specific	specific	ADJ
cjfa-30902	223	44	effects	effect	NOUN
cjfa-30902	223	45	.	.	PUNCT
cjfa-30902	224	1	these	these	DET
cjfa-30902	224	2	two	two	NUM
cjfa-30902	224	3	models	model	NOUN
cjfa-30902	224	4	will	will	AUX
cjfa-30902	224	5	be	be	AUX
cjfa-30902	224	6	estimated	estimate	VERB
cjfa-30902	224	7	with	with	ADP
cjfa-30902	224	8	pooled	pool	VERB
cjfa-30902	224	9	ols	ol	NOUN
cjfa-30902	224	10	regression	regression	NOUN
cjfa-30902	224	11	.	.	PUNCT
cjfa-30902	225	1	the	the	DET
cjfa-30902	225	2	second	second	ADJ
cjfa-30902	225	3	specification	specification	NOUN
cjfa-30902	225	4	test	test	NOUN
cjfa-30902	225	5	determines	determine	VERB
cjfa-30902	225	6	the	the	DET
cjfa-30902	225	7	nature	nature	NOUN
cjfa-30902	225	8	of	of	ADP
cjfa-30902	225	9	the	the	DET
cjfa-30902	225	10	specific	specific	ADJ
cjfa-30902	225	11	effects	effect	NOUN
cjfa-30902	225	12	to	to	PART
cjfa-30902	225	13	be	be	AUX
cjfa-30902	225	14	either	either	PRON
cjfa-30902	225	15	of	of	ADP
cjfa-30902	225	16	random	random	ADJ
cjfa-30902	225	17	or	or	CCONJ
cjfa-30902	225	18	fixed	fix	VERB
cjfa-30902	225	19	type	type	NOUN
cjfa-30902	225	20	.	.	PUNCT
cjfa-30902	226	1	the	the	DET
cjfa-30902	226	2	hausman	hausman	PROPN
cjfa-30902	226	3	test	test	NOUN
cjfa-30902	226	4	is	be	AUX
cjfa-30902	226	5	the	the	DET
cjfa-30902	226	6	most	most	ADV
cjfa-30902	226	7	appropriate	appropriate	ADJ
cjfa-30902	226	8	one	one	NOUN
cjfa-30902	226	9	to	to	PART
cjfa-30902	226	10	specify	specify	VERB
cjfa-30902	226	11	the	the	DET
cjfa-30902	226	12	preferred	preferred	ADJ
cjfa-30902	226	13	model	model	NOUN
cjfa-30902	226	14	.	.	PUNCT
cjfa-30902	227	1	the	the	DET
cjfa-30902	227	2	null	null	ADJ
cjfa-30902	227	3	hypotheses	hypothesis	NOUN
cjfa-30902	227	4	of	of	ADP
cjfa-30902	227	5	models	model	NOUN
cjfa-30902	227	6	2	2	NUM
cjfa-30902	227	7	and	and	CCONJ
cjfa-30902	227	8	11	11	NUM
cjfa-30902	227	9	which	which	PRON
cjfa-30902	227	10	are	be	AUX
cjfa-30902	227	11	rejected	reject	VERB
cjfa-30902	227	12	(	(	PUNCT
cjfa-30902	227	13	p	p	NOUN
cjfa-30902	227	14	-	-	PUNCT
cjfa-30902	227	15	values	value	NOUN
cjfa-30902	227	16	<	<	X
cjfa-30902	227	17	1	1	NUM
cjfa-30902	227	18	%	%	NOUN
cjfa-30902	227	19	)	)	PUNCT
cjfa-30902	227	20	are	be	AUX
cjfa-30902	227	21	estimated	estimate	VERB
cjfa-30902	227	22	by	by	ADP
cjfa-30902	227	23	the	the	DET
cjfa-30902	227	24	fixed	fix	VERB
cjfa-30902	227	25	effects	effect	NOUN
cjfa-30902	227	26	.	.	PUNCT
cjfa-30902	228	1	given	give	VERB
cjfa-30902	228	2	these	these	DET
cjfa-30902	228	3	results	result	NOUN
cjfa-30902	228	4	,	,	PUNCT
cjfa-30902	228	5	the	the	DET
cjfa-30902	228	6	final	final	ADJ
cjfa-30902	228	7	model	model	NOUN
cjfa-30902	228	8	to	to	PART
cjfa-30902	228	9	be	be	AUX
cjfa-30902	228	10	estimated	estimate	VERB
cjfa-30902	228	11	will	will	AUX
cjfa-30902	228	12	be	be	AUX
cjfa-30902	228	13	a	a	DET
cjfa-30902	228	14	heterogeneous	heterogeneous	ADJ
cjfa-30902	228	15	panel	panel	NOUN
cjfa-30902	228	16	of	of	ADP
cjfa-30902	228	17	random	random	ADJ
cjfa-30902	228	18	effects	effect	NOUN
cjfa-30902	228	19	for	for	ADP
cjfa-30902	228	20	1,3,5,6,7,8,9	1,3,5,6,7,8,9	NUM
cjfa-30902	228	21	models	model	NOUN
cjfa-30902	228	22	.	.	PUNCT
cjfa-30902	229	1	ghazi	ghazi	PROPN
cjfa-30902	229	2	zouari	zouari	PROPN
cjfa-30902	229	3	,	,	PUNCT
cjfa-30902	229	4	imen	iman	NOUN
cjfa-30902	229	5	abdelmalek90	abdelmalek90	VERB
cjfa-30902	229	6	aiming	aim	VERB
cjfa-30902	229	7	to	to	PART
cjfa-30902	229	8	achieve	achieve	VERB
cjfa-30902	229	9	better	well	ADJ
cjfa-30902	229	10	results	result	NOUN
cjfa-30902	229	11	,	,	PUNCT
cjfa-30902	229	12	we	we	PRON
cjfa-30902	229	13	need	need	VERB
cjfa-30902	229	14	to	to	PART
cjfa-30902	229	15	check	check	VERB
cjfa-30902	229	16	the	the	DET
cjfa-30902	229	17	problem	problem	NOUN
cjfa-30902	229	18	of	of	ADP
cjfa-30902	229	19	heteroscedasticity	heteroscedasticity	NOUN
cjfa-30902	229	20	and	and	CCONJ
cjfa-30902	229	21	autocorrelation	autocorrelation	NOUN
cjfa-30902	229	22	of	of	ADP
cjfa-30902	229	23	errors	error	NOUN
cjfa-30902	229	24	.	.	PUNCT
cjfa-30902	230	1	the	the	DET
cjfa-30902	230	2	breush	breush	NOUN
cjfa-30902	230	3	-	-	PUNCT
cjfa-30902	230	4	pagan	pagan	VERB
cjfa-30902	230	5	test	test	NOUN
cjfa-30902	230	6	accepts	accept	VERB
cjfa-30902	230	7	the	the	DET
cjfa-30902	230	8	null	null	ADJ
cjfa-30902	230	9	hypothesis	hypothesis	NOUN
cjfa-30902	230	10	for	for	ADP
cjfa-30902	230	11	models	model	NOUN
cjfa-30902	230	12	2,3,4,5,9,10	2,3,4,5,9,10	NUM
cjfa-30902	230	13	whereas	whereas	SCONJ
cjfa-30902	230	14	for	for	ADP
cjfa-30902	230	15	models	model	NOUN
cjfa-30902	230	16	1,6,7,8,11	1,6,7,8,11	PROPN
cjfa-30902	230	17	,	,	PUNCT
cjfa-30902	230	18	the	the	DET
cjfa-30902	230	19	test	test	NOUN
cjfa-30902	230	20	detects	detect	VERB
cjfa-30902	230	21	heteroskedasticity	heteroskedasticity	NOUN
cjfa-30902	230	22	problems	problem	NOUN
cjfa-30902	230	23	(	(	PUNCT
cjfa-30902	230	24	p	p	NOUN
cjfa-30902	230	25	-	-	PUNCT
cjfa-30902	230	26	values	value	NOUN
cjfa-30902	230	27	are	be	AUX
cjfa-30902	230	28	less	less	ADJ
cjfa-30902	230	29	than	than	ADP
cjfa-30902	230	30	5%).the	5%).the	DET
cjfa-30902	230	31	intra	intra	ADJ
cjfa-30902	230	32	-	-	ADJ
cjfa-30902	230	33	individual	individual	ADJ
cjfa-30902	230	34	autocorrelation	autocorrelation	NOUN
cjfa-30902	230	35	test	test	NOUN
cjfa-30902	230	36	by	by	ADP
cjfa-30902	230	37	wooldrigde	wooldrigde	NOUN
cjfa-30902	230	38	(	(	PUNCT
cjfa-30902	230	39	2002	2002	NUM
cjfa-30902	230	40	)	)	PUNCT
cjfa-30902	230	41	spots	spot	VERB
cjfa-30902	230	42	an	an	DET
cjfa-30902	230	43	autocorrelation	autocorrelation	NOUN
cjfa-30902	230	44	problem	problem	NOUN
cjfa-30902	230	45	for	for	ADP
cjfa-30902	230	46	models	model	NOUN
cjfa-30902	230	47	2,5,7,8,9,11	2,5,7,8,9,11	NUM
cjfa-30902	230	48	,	,	PUNCT
cjfa-30902	230	49	and	and	CCONJ
cjfa-30902	230	50	no	no	DET
cjfa-30902	230	51	serial	serial	ADJ
cjfa-30902	230	52	autocorrelation	autocorrelation	NOUN
cjfa-30902	230	53	for	for	ADP
cjfa-30902	230	54	models	model	NOUN
cjfa-30902	230	55	1,3,4,6,10	1,3,4,6,10	NOUN
cjfa-30902	230	56	.	.	PUNCT
cjfa-30902	231	1	eventually	eventually	ADV
cjfa-30902	231	2	,	,	PUNCT
cjfa-30902	231	3	the	the	DET
cjfa-30902	231	4	panel	panel	NOUN
cjfa-30902	231	5	of	of	ADP
cjfa-30902	231	6	models	model	NOUN
cjfa-30902	231	7	4	4	NUM
cjfa-30902	231	8	and	and	CCONJ
cjfa-30902	231	9	10	10	NUM
cjfa-30902	231	10	are	be	AUX
cjfa-30902	231	11	evaluated	evaluate	VERB
cjfa-30902	231	12	by	by	ADP
cjfa-30902	231	13	pooled	pool	VERB
cjfa-30902	231	14	ols	ol	NOUN
cjfa-30902	231	15	regression	regression	NOUN
cjfa-30902	231	16	.	.	PUNCT
cjfa-30902	232	1	the	the	DET
cjfa-30902	232	2	panel	panel	NOUN
cjfa-30902	232	3	models	model	NOUN
cjfa-30902	232	4	3,2,5,9	3,2,5,9	NUM
cjfa-30902	232	5	are	be	AUX
cjfa-30902	232	6	homoscedastic	homoscedastic	ADJ
cjfa-30902	232	7	and	and	CCONJ
cjfa-30902	232	8	uncorrelated	uncorrelated	ADJ
cjfa-30902	232	9	,	,	PUNCT
cjfa-30902	232	10	and	and	CCONJ
cjfa-30902	232	11	are	be	AUX
cjfa-30902	232	12	estimated	estimate	VERB
cjfa-30902	232	13	by	by	ADP
cjfa-30902	232	14	fixed	fix	VERB
cjfa-30902	232	15	effects	effect	NOUN
cjfa-30902	232	16	/	/	SYM
cjfa-30902	232	17	random	random	ADJ
cjfa-30902	232	18	effects	effect	NOUN
cjfa-30902	232	19	with	with	ADP
cjfa-30902	232	20	an	an	DET
cjfa-30902	232	21	autocorrelation	autocorrelation	NOUN
cjfa-30902	232	22	correction	correction	NOUN
cjfa-30902	232	23	if	if	SCONJ
cjfa-30902	232	24	necessary	necessary	ADJ
cjfa-30902	232	25	for	for	ADP
cjfa-30902	232	26	models	model	NOUN
cjfa-30902	232	27	2,5	2,5	NUM
cjfa-30902	232	28	and	and	CCONJ
cjfa-30902	232	29	9	9	NUM
cjfa-30902	232	30	.	.	NOUN
cjfa-30902	232	31	models	model	NOUN
cjfa-30902	232	32	1	1	NUM
cjfa-30902	232	33	and	and	CCONJ
cjfa-30902	232	34	6	6	NUM
cjfa-30902	232	35	are	be	AUX
cjfa-30902	232	36	characterized	characterize	VERB
cjfa-30902	232	37	by	by	ADP
cjfa-30902	232	38	the	the	DET
cjfa-30902	232	39	presence	presence	NOUN
cjfa-30902	232	40	of	of	ADP
cjfa-30902	232	41	a	a	DET
cjfa-30902	232	42	heteroskedasticity	heteroskedasticity	NOUN
cjfa-30902	232	43	problem	problem	NOUN
cjfa-30902	232	44	and	and	CCONJ
cjfa-30902	232	45	lack	lack	NOUN
cjfa-30902	232	46	of	of	ADP
cjfa-30902	232	47	autocorrelation	autocorrelation	NOUN
cjfa-30902	232	48	.	.	PUNCT
cjfa-30902	233	1	we	we	PRON
cjfa-30902	233	2	use	use	VERB
cjfa-30902	233	3	the	the	DET
cjfa-30902	233	4	model	model	NOUN
cjfa-30902	233	5	of	of	ADP
cjfa-30902	233	6	random	random	ADJ
cjfa-30902	233	7	effects	effect	NOUN
cjfa-30902	233	8	in	in	ADP
cjfa-30902	233	9	order	order	NOUN
cjfa-30902	233	10	to	to	PART
cjfa-30902	233	11	correct	correct	VERB
cjfa-30902	233	12	the	the	DET
cjfa-30902	233	13	heteroskedasticity	heteroskedasticity	NOUN
cjfa-30902	233	14	problem	problem	NOUN
cjfa-30902	233	15	,	,	PUNCT
cjfa-30902	233	16	and	and	CCONJ
cjfa-30902	233	17	to	to	PART
cjfa-30902	233	18	correct	correct	VERB
cjfa-30902	233	19	the	the	DET
cjfa-30902	233	20	standard	standard	ADJ
cjfa-30902	233	21	deviations	deviation	NOUN
cjfa-30902	233	22	by	by	ADP
cjfa-30902	233	23	the	the	DET
cjfa-30902	233	24	eicker	eicker	PROPN
cjfa-30902	233	25	-	-	PUNCT
cjfa-30902	233	26	white	white	ADJ
cjfa-30902	233	27	method	method	NOUN
cjfa-30902	233	28	with	with	ADP
cjfa-30902	233	29	the	the	DET
cjfa-30902	233	30	“	"	PUNCT
cjfa-30902	233	31	robust	robust	ADJ
cjfa-30902	233	32	”	"	PUNCT
cjfa-30902	233	33	option	option	NOUN
cjfa-30902	233	34	.	.	PUNCT
cjfa-30902	233	35	models	model	NOUN
cjfa-30902	233	36	7,8	7,8	NUM
cjfa-30902	233	37	and	and	CCONJ
cjfa-30902	233	38	11	11	NUM
cjfa-30902	233	39	present	present	VERB
cjfa-30902	233	40	a	a	DET
cjfa-30902	233	41	problem	problem	NOUN
cjfa-30902	233	42	of	of	ADP
cjfa-30902	233	43	heteroscedasticity	heteroscedasticity	NOUN
cjfa-30902	233	44	and	and	CCONJ
cjfa-30902	233	45	autocorrelation	autocorrelation	NOUN
cjfa-30902	233	46	of	of	ADP
cjfa-30902	233	47	the	the	DET
cjfa-30902	233	48	residues	residue	NOUN
cjfa-30902	233	49	.	.	PUNCT
cjfa-30902	234	1	in	in	ADP
cjfa-30902	234	2	this	this	DET
cjfa-30902	234	3	regression	regression	NOUN
cjfa-30902	234	4	,	,	PUNCT
cjfa-30902	234	5	the	the	DET
cjfa-30902	234	6	method	method	NOUN
cjfa-30902	234	7	of	of	ADP
cjfa-30902	234	8	clustered	clustered	ADJ
cjfa-30902	234	9	standard	standard	ADJ
cjfa-30902	234	10	errors	error	NOUN
cjfa-30902	234	11	is	be	AUX
cjfa-30902	234	12	applied	apply	VERB
cjfa-30902	234	13	for	for	ADP
cjfa-30902	234	14	correcting	correct	VERB
cjfa-30902	234	15	standard	standard	ADJ
cjfa-30902	234	16	deviations	deviation	NOUN
cjfa-30902	234	17	of	of	ADP
cjfa-30902	234	18	heteroscedasticity	heteroscedasticity	NOUN
cjfa-30902	234	19	and	and	CCONJ
cjfa-30902	234	20	autocorrelation	autocorrelation	NOUN
cjfa-30902	234	21	.	.	PUNCT
cjfa-30902	235	1	results	result	NOUN
cjfa-30902	235	2	and	and	CCONJ
cjfa-30902	235	3	discussions	discussion	NOUN
cjfa-30902	235	4	with	with	ADP
cjfa-30902	235	5	the	the	DET
cjfa-30902	235	6	intention	intention	NOUN
cjfa-30902	235	7	of	of	ADP
cjfa-30902	235	8	testing	test	VERB
cjfa-30902	235	9	the	the	DET
cjfa-30902	235	10	research	research	NOUN
cjfa-30902	235	11	hypothesis	hypothesis	NOUN
cjfa-30902	235	12	,	,	PUNCT
cjfa-30902	235	13	multiple	multiple	ADJ
cjfa-30902	235	14	regression	regression	NOUN
cjfa-30902	235	15	analysis	analysis	NOUN
cjfa-30902	235	16	is	be	AUX
cjfa-30902	235	17	performed	perform	VERB
cjfa-30902	235	18	,	,	PUNCT
cjfa-30902	235	19	and	and	CCONJ
cjfa-30902	235	20	the	the	DET
cjfa-30902	235	21	outcomes	outcome	NOUN
cjfa-30902	235	22	are	be	AUX
cjfa-30902	235	23	displayed	display	VERB
cjfa-30902	235	24	in	in	ADP
cjfa-30902	235	25	table	table	NOUN
cjfa-30902	235	26	2	2	NUM
cjfa-30902	235	27	.	.	PUNCT
cjfa-30902	236	1	in	in	ADP
cjfa-30902	236	2	model	model	NOUN
cjfa-30902	236	3	1	1	NUM
cjfa-30902	236	4	,	,	PUNCT
cjfa-30902	236	5	the	the	DET
cjfa-30902	236	6	study	study	NOUN
cjfa-30902	236	7	estimates	estimate	VERB
cjfa-30902	236	8	the	the	DET
cjfa-30902	236	9	effect	effect	NOUN
cjfa-30902	236	10	of	of	ADP
cjfa-30902	236	11	financial	financial	ADJ
cjfa-30902	236	12	innovation	innovation	NOUN
cjfa-30902	236	13	on	on	ADP
cjfa-30902	236	14	the	the	DET
cjfa-30902	236	15	bank	bank	NOUN
cjfa-30902	236	16	performance	performance	NOUN
cjfa-30902	236	17	to	to	PART
cjfa-30902	236	18	assess	assess	VERB
cjfa-30902	236	19	h1	h1	PROPN
cjfa-30902	236	20	.	.	PUNCT
cjfa-30902	237	1	the	the	DET
cjfa-30902	237	2	regression	regression	NOUN
cjfa-30902	237	3	analysis	analysis	NOUN
cjfa-30902	237	4	in	in	ADP
cjfa-30902	237	5	model	model	NOUN
cjfa-30902	237	6	1	1	NUM
cjfa-30902	237	7	provides	provide	VERB
cjfa-30902	237	8	different	different	ADJ
cjfa-30902	237	9	results	result	NOUN
cjfa-30902	237	10	across	across	ADP
cjfa-30902	237	11	the	the	DET
cjfa-30902	237	12	samples	sample	NOUN
cjfa-30902	237	13	.	.	PUNCT
cjfa-30902	238	1	the	the	DET
cjfa-30902	238	2	overall	overall	ADJ
cjfa-30902	238	3	quality	quality	NOUN
cjfa-30902	238	4	of	of	ADP
cjfa-30902	238	5	the	the	DET
cjfa-30902	238	6	model	model	NOUN
cjfa-30902	238	7	is	be	AUX
cjfa-30902	238	8	significantly	significantly	ADV
cjfa-30902	238	9	acceptable	acceptable	ADJ
cjfa-30902	238	10	.	.	PUNCT
cjfa-30902	239	1	however	however	ADV
cjfa-30902	239	2	,	,	PUNCT
cjfa-30902	239	3	the	the	DET
cjfa-30902	239	4	findings	finding	NOUN
cjfa-30902	239	5	show	show	VERB
cjfa-30902	239	6	that	that	SCONJ
cjfa-30902	239	7	there	there	PRON
cjfa-30902	239	8	is	be	VERB
cjfa-30902	239	9	a	a	DET
cjfa-30902	239	10	non	non	ADJ
cjfa-30902	239	11	-	-	ADJ
cjfa-30902	239	12	significant	significant	ADJ
cjfa-30902	239	13	relationship	relationship	NOUN
cjfa-30902	239	14	between	between	ADP
cjfa-30902	239	15	financial	financial	ADJ
cjfa-30902	239	16	innovation	innovation	NOUN
cjfa-30902	239	17	and	and	CCONJ
cjfa-30902	239	18	roe	roe	NOUN
cjfa-30902	239	19	while	while	SCONJ
cjfa-30902	239	20	there	there	PRON
cjfa-30902	239	21	is	be	VERB
cjfa-30902	239	22	a	a	DET
cjfa-30902	239	23	positive	positive	ADJ
cjfa-30902	239	24	relationship	relationship	NOUN
cjfa-30902	239	25	between	between	ADP
cjfa-30902	239	26	financial	financial	ADJ
cjfa-30902	239	27	innovation	innovation	NOUN
cjfa-30902	239	28	and	and	CCONJ
cjfa-30902	239	29	mtb	mtb	NOUN
cjfa-30902	239	30	(	(	PUNCT
cjfa-30902	239	31	ß=	ß=	NOUN
cjfa-30902	239	32	1.48	1.48	NUM
cjfa-30902	239	33	,	,	PUNCT
cjfa-30902	239	34	p	p	X
cjfa-30902	239	35	<	<	X
cjfa-30902	239	36	0.01	0.01	NUM
cjfa-30902	239	37	)	)	PUNCT
cjfa-30902	239	38	.	.	PUNCT
cjfa-30902	240	1	the	the	DET
cjfa-30902	240	2	first	first	ADJ
cjfa-30902	240	3	hypothesis	hypothesis	NOUN
cjfa-30902	240	4	applying	apply	VERB
cjfa-30902	240	5	that	that	DET
cjfa-30902	240	6	financial	financial	ADJ
cjfa-30902	240	7	innovation	innovation	NOUN
cjfa-30902	240	8	positively	positively	ADV
cjfa-30902	240	9	influences	influence	VERB
cjfa-30902	240	10	the	the	DET
cjfa-30902	240	11	mtb	mtb	NOUN
cjfa-30902	240	12	is	be	AUX
cjfa-30902	240	13	supported	support	VERB
cjfa-30902	240	14	.	.	PUNCT
cjfa-30902	241	1	these	these	DET
cjfa-30902	241	2	findings	finding	NOUN
cjfa-30902	241	3	confirm	confirm	VERB
cjfa-30902	241	4	the	the	DET
cjfa-30902	241	5	previous	previous	ADJ
cjfa-30902	241	6	studies	study	NOUN
cjfa-30902	241	7	such	such	ADJ
cjfa-30902	241	8	as	as	ADP
cjfa-30902	241	9	of	of	ADP
cjfa-30902	241	10	mabrouk	mabrouk	NOUN
cjfa-30902	241	11	and	and	CCONJ
cjfa-30902	241	12	mamoghli	mamoghli	NOUN
cjfa-30902	241	13	(	(	PUNCT
cjfa-30902	241	14	2010	2010	NUM
cjfa-30902	241	15	)	)	PUNCT
cjfa-30902	241	16	,	,	PUNCT
cjfa-30902	241	17	xiangying	xiangying	PROPN
cjfa-30902	241	18	,	,	PUNCT
cjfa-30902	241	19	yueyan	yueyan	PROPN
cjfa-30902	241	20	and	and	CCONJ
cjfa-30902	241	21	xianhua	xianhua	PROPN
cjfa-30902	241	22	(	(	PUNCT
cjfa-30902	241	23	2015	2015	NUM
cjfa-30902	241	24	)	)	PUNCT
cjfa-30902	241	25	and	and	CCONJ
cjfa-30902	241	26	aayale	aayale	NOUN
cjfa-30902	241	27	(	(	PUNCT
cjfa-30902	241	28	2017	2017	NUM
cjfa-30902	241	29	)	)	PUNCT
cjfa-30902	241	30	.	.	PUNCT
cjfa-30902	242	1	the	the	DET
cjfa-30902	242	2	positive	positive	ADJ
cjfa-30902	242	3	effect	effect	NOUN
cjfa-30902	242	4	thus	thus	ADV
cjfa-30902	242	5	found	find	VERB
cjfa-30902	242	6	reinforces	reinforce	VERB
cjfa-30902	242	7	the	the	DET
cjfa-30902	242	8	assertions	assertion	NOUN
cjfa-30902	242	9	of	of	ADP
cjfa-30902	242	10	mustapha	mustapha	PROPN
cjfa-30902	242	11	(	(	PUNCT
cjfa-30902	242	12	2018	2018	NUM
cjfa-30902	242	13	)	)	PUNCT
cjfa-30902	242	14	that	that	PRON
cjfa-30902	242	15	investment	investment	NOUN
cjfa-30902	242	16	in	in	ADP
cjfa-30902	242	17	innovation	innovation	NOUN
cjfa-30902	242	18	enhances	enhance	VERB
cjfa-30902	242	19	bank	bank	NOUN
cjfa-30902	242	20	performance	performance	NOUN
cjfa-30902	242	21	.	.	PUNCT
cjfa-30902	243	1	however	however	ADV
cjfa-30902	243	2	,	,	PUNCT
cjfa-30902	243	3	there	there	PRON
cjfa-30902	243	4	is	be	VERB
cjfa-30902	243	5	no	no	DET
cjfa-30902	243	6	impact	impact	NOUN
cjfa-30902	243	7	of	of	ADP
cjfa-30902	243	8	financial	financial	ADJ
cjfa-30902	243	9	innovation	innovation	NOUN
cjfa-30902	243	10	on	on	ADP
cjfa-30902	243	11	roe	roe	NOUN
cjfa-30902	243	12	.	.	PUNCT
cjfa-30902	244	1	these	these	DET
cjfa-30902	244	2	outcomes	outcome	NOUN
cjfa-30902	244	3	are	be	AUX
cjfa-30902	244	4	inconsistent	inconsistent	ADJ
cjfa-30902	244	5	with	with	ADP
cjfa-30902	244	6	prior	prior	ADJ
cjfa-30902	244	7	results	result	NOUN
cjfa-30902	244	8	(	(	PUNCT
cjfa-30902	244	9	de	de	X
cjfa-30902	244	10	young	young	PROPN
cjfa-30902	244	11	,	,	PUNCT
cjfa-30902	244	12	lang	lang	PROPN
cjfa-30902	244	13	&	&	CCONJ
cjfa-30902	244	14	nolle	nolle	PROPN
cjfa-30902	244	15	,	,	PUNCT
cjfa-30902	244	16	2007	2007	NUM
cjfa-30902	244	17	;	;	PUNCT
cjfa-30902	244	18	mabrouk	mabrouk	PROPN
cjfa-30902	244	19	&	&	CCONJ
cjfa-30902	244	20	mamoghli	mamoghli	PROPN
cjfa-30902	244	21	,	,	PUNCT
cjfa-30902	244	22	2010	2010	NUM
cjfa-30902	244	23	;	;	PUNCT
cjfa-30902	244	24	chipeta	chipeta	NOUN
cjfa-30902	244	25	&	&	CCONJ
cjfa-30902	244	26	muthinja	muthinja	NOUN
cjfa-30902	244	27	,	,	PUNCT
cjfa-30902	244	28	2018	2018	NUM
cjfa-30902	244	29	)	)	PUNCT
cjfa-30902	244	30	.	.	PUNCT
cjfa-30902	245	1	financial	financial	ADJ
cjfa-30902	245	2	innovation	innovation	NOUN
cjfa-30902	245	3	,	,	PUNCT
cjfa-30902	245	4	risk	risk	NOUN
cjfa-30902	245	5	management	management	NOUN
cjfa-30902	245	6	,	,	PUNCT
cjfa-30902	245	7	and	and	CCONJ
cjfa-30902	245	8	bank	bank	NOUN
cjfa-30902	245	9	performance	performance	NOUN
cjfa-30902	245	10	91	91	NUM
cjfa-30902	245	11	in	in	ADP
cjfa-30902	245	12	model	model	NOUN
cjfa-30902	245	13	2	2	NUM
cjfa-30902	245	14	,	,	PUNCT
cjfa-30902	245	15	the	the	DET
cjfa-30902	245	16	study	study	NOUN
cjfa-30902	245	17	estimates	estimate	VERB
cjfa-30902	245	18	the	the	DET
cjfa-30902	245	19	effect	effect	NOUN
cjfa-30902	245	20	of	of	ADP
cjfa-30902	245	21	financial	financial	ADJ
cjfa-30902	245	22	innovation	innovation	NOUN
cjfa-30902	245	23	on	on	ADP
cjfa-30902	245	24	risk	risk	NOUN
cjfa-30902	245	25	management	management	NOUN
cjfa-30902	245	26	to	to	PART
cjfa-30902	245	27	evaluate	evaluate	VERB
cjfa-30902	245	28	h2	h2	NOUN
cjfa-30902	245	29	.	.	PUNCT
cjfa-30902	246	1	the	the	DET
cjfa-30902	246	2	overall	overall	ADJ
cjfa-30902	246	3	quality	quality	NOUN
cjfa-30902	246	4	of	of	ADP
cjfa-30902	246	5	model	model	NOUN
cjfa-30902	246	6	2	2	NUM
cjfa-30902	246	7	is	be	AUX
cjfa-30902	246	8	significantly	significantly	ADV
cjfa-30902	246	9	acceptable	acceptable	ADJ
cjfa-30902	246	10	(	(	PUNCT
cjfa-30902	246	11	chi2=43.10	chi2=43.10	PROPN
cjfa-30902	246	12	,	,	PUNCT
cjfa-30902	246	13	f=2.52	f=2.52	NOUN
cjfa-30902	246	14	,	,	PUNCT
cjfa-30902	246	15	chi2=252.59	chi2=252.59	NOUN
cjfa-30902	246	16	,	,	PUNCT
cjfa-30902	246	17	p<1	p<1	NOUN
cjfa-30902	246	18	%	%	NOUN
cjfa-30902	246	19	)	)	PUNCT
cjfa-30902	246	20	,	,	PUNCT
cjfa-30902	246	21	but	but	CCONJ
cjfa-30902	246	22	the	the	DET
cjfa-30902	246	23	f	f	X
cjfa-30902	246	24	-	-	PUNCT
cjfa-30902	246	25	statistic	statistic	NOUN
cjfa-30902	246	26	is	be	AUX
cjfa-30902	246	27	insignificant	insignificant	ADJ
cjfa-30902	246	28	for	for	ADP
cjfa-30902	246	29	the	the	DET
cjfa-30902	246	30	credit	credit	NOUN
cjfa-30902	246	31	risk	risk	NOUN
cjfa-30902	246	32	management	management	NOUN
cjfa-30902	246	33	variable	variable	NOUN
cjfa-30902	246	34	(	(	PUNCT
cjfa-30902	246	35	f=2.52	f=2.52	NOUN
cjfa-30902	246	36	,	,	PUNCT
cjfa-30902	246	37	p	p	X
cjfa-30902	246	38	>	>	X
cjfa-30902	246	39	10	10	NUM
cjfa-30902	246	40	%	%	NOUN
cjfa-30902	246	41	)	)	PUNCT
cjfa-30902	246	42	.	.	PUNCT
cjfa-30902	247	1	in	in	ADP
cjfa-30902	247	2	condition	condition	NOUN
cjfa-30902	247	3	2	2	NUM
cjfa-30902	247	4	,	,	PUNCT
cjfa-30902	247	5	the	the	DET
cjfa-30902	247	6	analysis	analysis	NOUN
cjfa-30902	247	7	records	record	VERB
cjfa-30902	247	8	negative	negative	ADJ
cjfa-30902	247	9	and	and	CCONJ
cjfa-30902	247	10	significant	significant	ADJ
cjfa-30902	247	11	beta	beta	ADJ
cjfa-30902	247	12	coefficients	coefficient	NOUN
cjfa-30902	247	13	across	across	ADP
cjfa-30902	247	14	car	car	NOUN
cjfa-30902	247	15	and	and	CCONJ
cjfa-30902	247	16	orw	orw	NOUN
cjfa-30902	247	17	,	,	PUNCT
cjfa-30902	247	18	which	which	PRON
cjfa-30902	247	19	is	be	AUX
cjfa-30902	247	20	not	not	PART
cjfa-30902	247	21	verified	verify	VERB
cjfa-30902	247	22	for	for	ADP
cjfa-30902	247	23	credit	credit	NOUN
cjfa-30902	247	24	risk	risk	NOUN
cjfa-30902	247	25	management	management	NOUN
cjfa-30902	247	26	.	.	PUNCT
cjfa-30902	248	1	as	as	ADP
cjfa-30902	248	2	a	a	DET
cjfa-30902	248	3	matter	matter	NOUN
cjfa-30902	248	4	of	of	ADP
cjfa-30902	248	5	fact	fact	NOUN
cjfa-30902	248	6	,	,	PUNCT
cjfa-30902	248	7	this	this	DET
cjfa-30902	248	8	result	result	NOUN
cjfa-30902	248	9	partially	partially	ADV
cjfa-30902	248	10	validates	validate	VERB
cjfa-30902	248	11	h2	h2	NOUN
cjfa-30902	248	12	,	,	PUNCT
cjfa-30902	248	13	and	and	CCONJ
cjfa-30902	248	14	confirms	confirm	VERB
cjfa-30902	248	15	the	the	DET
cjfa-30902	248	16	findings	finding	NOUN
cjfa-30902	248	17	in	in	ADP
cjfa-30902	248	18	the	the	DET
cjfa-30902	248	19	previous	previous	ADJ
cjfa-30902	248	20	empirical	empirical	ADJ
cjfa-30902	248	21	research	research	NOUN
cjfa-30902	248	22	stating	state	VERB
cjfa-30902	248	23	that	that	SCONJ
cjfa-30902	248	24	innovation	innovation	NOUN
cjfa-30902	248	25	influences	influence	VERB
cjfa-30902	248	26	risk	risk	NOUN
cjfa-30902	248	27	management	management	NOUN
cjfa-30902	248	28	(	(	PUNCT
cjfa-30902	248	29	philippas	philippas	PROPN
cjfa-30902	248	30	&	&	CCONJ
cjfa-30902	248	31	siriopoulos	siriopoulos	PROPN
cjfa-30902	248	32	,	,	PUNCT
cjfa-30902	248	33	2009	2009	NUM
cjfa-30902	248	34	;	;	PUNCT
cjfa-30902	248	35	mabrouk	mabrouk	PRON
cjfa-30902	248	36	et	et	PROPN
cjfa-30902	248	37	al	al	PROPN
cjfa-30902	248	38	.	.	PROPN
cjfa-30902	248	39	,	,	PUNCT
cjfa-30902	248	40	2016	2016	NUM
cjfa-30902	248	41	;	;	PUNCT
cjfa-30902	248	42	zia	zia	PROPN
cjfa-30902	248	43	et	et	PROPN
cjfa-30902	248	44	al	al	PROPN
cjfa-30902	248	45	.	.	PROPN
cjfa-30902	248	46	,	,	PUNCT
cjfa-30902	248	47	2019	2019	NUM
cjfa-30902	248	48	)	)	PUNCT
cjfa-30902	248	49	.	.	PUNCT
cjfa-30902	249	1	our	our	PRON
cjfa-30902	249	2	research	research	NOUN
cjfa-30902	249	3	seeks	seek	VERB
cjfa-30902	249	4	to	to	PART
cjfa-30902	249	5	assess	assess	VERB
cjfa-30902	249	6	the	the	DET
cjfa-30902	249	7	mediating	mediating	NOUN
cjfa-30902	249	8	impact	impact	NOUN
cjfa-30902	249	9	of	of	ADP
cjfa-30902	249	10	risk	risk	NOUN
cjfa-30902	249	11	management	management	NOUN
cjfa-30902	249	12	on	on	ADP
cjfa-30902	249	13	the	the	DET
cjfa-30902	249	14	relationship	relationship	NOUN
cjfa-30902	249	15	between	between	ADP
cjfa-30902	249	16	financial	financial	ADJ
cjfa-30902	249	17	innovation	innovation	NOUN
cjfa-30902	249	18	and	and	CCONJ
cjfa-30902	249	19	bank	bank	NOUN
cjfa-30902	249	20	performance	performance	NOUN
cjfa-30902	249	21	in	in	ADP
cjfa-30902	249	22	h2	h2	NOUN
cjfa-30902	249	23	and	and	CCONJ
cjfa-30902	249	24	h3	h3	NOUN
cjfa-30902	249	25	.	.	PUNCT
cjfa-30902	250	1	the	the	DET
cjfa-30902	250	2	overall	overall	ADJ
cjfa-30902	250	3	quality	quality	NOUN
cjfa-30902	250	4	of	of	ADP
cjfa-30902	250	5	models	model	NOUN
cjfa-30902	250	6	3	3	NUM
cjfa-30902	250	7	,	,	PUNCT
cjfa-30902	250	8	4	4	NUM
cjfa-30902	250	9	and	and	CCONJ
cjfa-30902	250	10	5	5	NUM
cjfa-30902	250	11	is	be	AUX
cjfa-30902	250	12	significantly	significantly	ADV
cjfa-30902	250	13	acceptable	acceptable	ADJ
cjfa-30902	250	14	,	,	PUNCT
cjfa-30902	250	15	but	but	CCONJ
cjfa-30902	250	16	only	only	ADV
cjfa-30902	250	17	for	for	ADP
cjfa-30902	250	18	model	model	NOUN
cjfa-30902	250	19	3	3	NUM
cjfa-30902	250	20	,	,	PUNCT
cjfa-30902	250	21	the	the	DET
cjfa-30902	250	22	relationship	relationship	NOUN
cjfa-30902	250	23	between	between	ADP
cjfa-30902	250	24	risk	risk	NOUN
cjfa-30902	250	25	management	management	NOUN
cjfa-30902	250	26	and	and	CCONJ
cjfa-30902	250	27	bank	bank	NOUN
cjfa-30902	250	28	performance	performance	NOUN
cjfa-30902	250	29	is	be	AUX
cjfa-30902	250	30	insignificant	insignificant	ADJ
cjfa-30902	250	31	(	(	PUNCT
cjfa-30902	250	32	t=0.701	t=0.701	NUM
cjfa-30902	250	33	,	,	PUNCT
cjfa-30902	250	34	t=0.45	t=0.45	NOUN
cjfa-30902	250	35	,	,	PUNCT
cjfa-30902	250	36	p>10	p>10	NUM
cjfa-30902	250	37	%	%	NOUN
cjfa-30902	250	38	)	)	PUNCT
cjfa-30902	250	39	.	.	PUNCT
cjfa-30902	251	1	at	at	ADP
cjfa-30902	251	2	the	the	DET
cjfa-30902	251	3	detailed	detailed	ADJ
cjfa-30902	251	4	level	level	NOUN
cjfa-30902	251	5	,	,	PUNCT
cjfa-30902	251	6	the	the	DET
cjfa-30902	251	7	impact	impact	NOUN
cjfa-30902	251	8	of	of	ADP
cjfa-30902	251	9	risk	risk	NOUN
cjfa-30902	251	10	management	management	NOUN
cjfa-30902	251	11	on	on	ADP
cjfa-30902	251	12	bank	bank	NOUN
cjfa-30902	251	13	performance	performance	NOUN
cjfa-30902	251	14	shows	show	VERB
cjfa-30902	251	15	a	a	DET
cjfa-30902	251	16	positive	positive	ADJ
cjfa-30902	251	17	relationship	relationship	NOUN
cjfa-30902	251	18	between	between	ADP
cjfa-30902	251	19	financial	financial	ADJ
cjfa-30902	251	20	risk	risk	NOUN
cjfa-30902	251	21	management	management	NOUN
cjfa-30902	251	22	and	and	CCONJ
cjfa-30902	251	23	bank	bank	NOUN
cjfa-30902	251	24	performance	performance	NOUN
cjfa-30902	251	25	.	.	PUNCT
cjfa-30902	252	1	the	the	DET
cjfa-30902	252	2	findings	finding	NOUN
cjfa-30902	252	3	provide	provide	VERB
cjfa-30902	252	4	evidence	evidence	NOUN
cjfa-30902	252	5	that	that	SCONJ
cjfa-30902	252	6	the	the	DET
cjfa-30902	252	7	assertion	assertion	NOUN
cjfa-30902	252	8	made	make	VERB
cjfa-30902	252	9	by	by	ADP
cjfa-30902	252	10	fatemi	fatemi	PROPN
cjfa-30902	252	11	and	and	CCONJ
cjfa-30902	252	12	fooladi	fooladi	NOUN
cjfa-30902	252	13	(	(	PUNCT
cjfa-30902	252	14	2006	2006	NUM
cjfa-30902	252	15	)	)	PUNCT
cjfa-30902	252	16	,	,	PUNCT
cjfa-30902	252	17	hosna	hosna	NOUN
cjfa-30902	252	18	et	et	PROPN
cjfa-30902	252	19	al	al	PROPN
cjfa-30902	252	20	.	.	PROPN
cjfa-30902	252	21	(	(	PUNCT
cjfa-30902	252	22	2009	2009	NUM
cjfa-30902	252	23	)	)	PUNCT
cjfa-30902	252	24	,	,	PUNCT
cjfa-30902	252	25	toutou	toutou	NOUN
cjfa-30902	252	26	and	and	CCONJ
cjfa-30902	252	27	xiaodong	xiaodong	PROPN
cjfa-30902	252	28	(	(	PUNCT
cjfa-30902	252	29	2011	2011	NUM
cjfa-30902	252	30	)	)	PUNCT
cjfa-30902	252	31	,	,	PUNCT
cjfa-30902	252	32	zeze	zeze	NOUN
cjfa-30902	252	33	(	(	PUNCT
cjfa-30902	252	34	2012	2012	NUM
cjfa-30902	252	35	)	)	PUNCT
cjfa-30902	252	36	,	,	PUNCT
cjfa-30902	252	37	trofimov	trofimov	PROPN
cjfa-30902	252	38	et	et	PROPN
cjfa-30902	252	39	al	al	PROPN
cjfa-30902	252	40	.	.	PROPN
cjfa-30902	252	41	(	(	PUNCT
cjfa-30902	252	42	2018	2018	NUM
cjfa-30902	252	43	)	)	PUNCT
cjfa-30902	252	44	and	and	CCONJ
cjfa-30902	252	45	zgarni	zgarni	NOUN
cjfa-30902	252	46	and	and	CCONJ
cjfa-30902	252	47	hassouna	hassouna	ADJ
cjfa-30902	252	48	(	(	PUNCT
cjfa-30902	252	49	2018	2018	NUM
cjfa-30902	252	50	)	)	PUNCT
cjfa-30902	252	51	sets	set	VERB
cjfa-30902	252	52	out	out	ADP
cjfa-30902	252	53	that	that	SCONJ
cjfa-30902	252	54	risk	risk	NOUN
cjfa-30902	252	55	management	management	NOUN
cjfa-30902	252	56	improves	improve	VERB
cjfa-30902	252	57	the	the	DET
cjfa-30902	252	58	bank	bank	NOUN
cjfa-30902	252	59	performance	performance	NOUN
cjfa-30902	252	60	.	.	PUNCT
cjfa-30902	253	1	similarly	similarly	ADV
cjfa-30902	253	2	,	,	PUNCT
cjfa-30902	253	3	the	the	DET
cjfa-30902	253	4	research	research	NOUN
cjfa-30902	253	5	of	of	ADP
cjfa-30902	253	6	kiambati	kiambati	PROPN
cjfa-30902	253	7	(	(	PUNCT
cjfa-30902	253	8	2020	2020	NUM
cjfa-30902	253	9	)	)	PUNCT
cjfa-30902	253	10	and	and	CCONJ
cjfa-30902	253	11	sathyamoorthi	sathyamoorthi	VERB
cjfa-30902	253	12	et	et	PROPN
cjfa-30902	253	13	al	al	PROPN
cjfa-30902	253	14	.	.	PROPN
cjfa-30902	254	1	(	(	PUNCT
cjfa-30902	254	2	2020	2020	NUM
cjfa-30902	254	3	)	)	PUNCT
cjfa-30902	254	4	demonstrated	demonstrate	VERB
cjfa-30902	254	5	that	that	SCONJ
cjfa-30902	254	6	there	there	PRON
cjfa-30902	254	7	is	be	VERB
cjfa-30902	254	8	a	a	DET
cjfa-30902	254	9	relationship	relationship	NOUN
cjfa-30902	254	10	between	between	ADP
cjfa-30902	254	11	credit	credit	NOUN
cjfa-30902	254	12	risk	risk	NOUN
cjfa-30902	254	13	and	and	CCONJ
cjfa-30902	254	14	shareholder	shareholder	NOUN
cjfa-30902	254	15	market	market	NOUN
cjfa-30902	254	16	value	value	NOUN
cjfa-30902	254	17	among	among	ADP
cjfa-30902	254	18	the	the	DET
cjfa-30902	254	19	commercial	commercial	ADJ
cjfa-30902	254	20	banks	bank	NOUN
cjfa-30902	254	21	.	.	PUNCT
cjfa-30902	255	1	but	but	CCONJ
cjfa-30902	255	2	there	there	PRON
cjfa-30902	255	3	is	be	VERB
cjfa-30902	255	4	an	an	DET
cjfa-30902	255	5	insignificant	insignificant	ADJ
cjfa-30902	255	6	relationship	relationship	NOUN
cjfa-30902	255	7	between	between	ADP
cjfa-30902	255	8	car	car	NOUN
cjfa-30902	255	9	and	and	CCONJ
cjfa-30902	255	10	bank	bank	NOUN
cjfa-30902	255	11	performance	performance	NOUN
cjfa-30902	255	12	,	,	PUNCT
cjfa-30902	255	13	these	these	DET
cjfa-30902	255	14	results	result	NOUN
cjfa-30902	255	15	are	be	AUX
cjfa-30902	255	16	consistent	consistent	ADJ
cjfa-30902	255	17	with	with	ADP
cjfa-30902	255	18	the	the	DET
cjfa-30902	255	19	findings	finding	NOUN
cjfa-30902	255	20	of	of	ADP
cjfa-30902	255	21	mendoza	mendoza	PROPN
cjfa-30902	255	22	and	and	CCONJ
cjfa-30902	255	23	rivera	rivera	PROPN
cjfa-30902	255	24	(	(	PUNCT
cjfa-30902	255	25	2017	2017	NUM
cjfa-30902	255	26	)	)	PUNCT
cjfa-30902	255	27	who	who	PRON
cjfa-30902	255	28	found	find	VERB
cjfa-30902	255	29	that	that	SCONJ
cjfa-30902	255	30	capital	capital	NOUN
cjfa-30902	255	31	adequacy	adequacy	NOUN
cjfa-30902	255	32	has	have	VERB
cjfa-30902	255	33	no	no	DET
cjfa-30902	255	34	significant	significant	ADJ
cjfa-30902	255	35	effect	effect	NOUN
cjfa-30902	255	36	of	of	ADP
cjfa-30902	255	37	bank	bank	NOUN
cjfa-30902	255	38	profitability	profitability	NOUN
cjfa-30902	255	39	while	while	NOUN
cjfa-30902	255	40	,	,	PUNCT
cjfa-30902	255	41	they	they	PRON
cjfa-30902	255	42	findings	finding	VERB
cjfa-30902	255	43	contradict	contradict	VERB
cjfa-30902	255	44	the	the	DET
cjfa-30902	255	45	empirical	empirical	ADJ
cjfa-30902	255	46	studies	study	NOUN
cjfa-30902	255	47	of	of	ADP
cjfa-30902	255	48	wang	wang	PROPN
cjfa-30902	255	49	(	(	PUNCT
cjfa-30902	255	50	2014	2014	NUM
cjfa-30902	255	51	)	)	PUNCT
cjfa-30902	255	52	and	and	CCONJ
cjfa-30902	255	53	lotto	lotto	NOUN
cjfa-30902	255	54	(	(	PUNCT
cjfa-30902	255	55	2019	2019	NUM
cjfa-30902	255	56	)	)	PUNCT
cjfa-30902	255	57	.	.	PUNCT
cjfa-30902	256	1	considering	consider	VERB
cjfa-30902	256	2	the	the	DET
cjfa-30902	256	3	fact	fact	NOUN
cjfa-30902	256	4	that	that	SCONJ
cjfa-30902	256	5	the	the	DET
cjfa-30902	256	6	first	first	ADJ
cjfa-30902	256	7	and	and	CCONJ
cjfa-30902	256	8	the	the	DET
cjfa-30902	256	9	second	second	ADJ
cjfa-30902	256	10	conditions	condition	NOUN
cjfa-30902	256	11	are	be	AUX
cjfa-30902	256	12	met	meet	VERB
cjfa-30902	256	13	,	,	PUNCT
cjfa-30902	256	14	the	the	DET
cjfa-30902	256	15	study	study	NOUN
cjfa-30902	256	16	performs	perform	VERB
cjfa-30902	256	17	the	the	DET
cjfa-30902	256	18	mediating	mediate	VERB
cjfa-30902	256	19	effect	effect	NOUN
cjfa-30902	256	20	in	in	ADP
cjfa-30902	256	21	models	model	NOUN
cjfa-30902	256	22	3	3	NUM
cjfa-30902	256	23	,	,	PUNCT
cjfa-30902	256	24	4	4	NUM
cjfa-30902	256	25	and	and	CCONJ
cjfa-30902	256	26	5	5	NUM
cjfa-30902	256	27	.	.	PUNCT
cjfa-30902	257	1	if	if	SCONJ
cjfa-30902	257	2	a	a	DET
cjfa-30902	257	3	non	non	ADJ
cjfa-30902	257	4	-	-	ADJ
cjfa-30902	257	5	significant	significant	ADJ
cjfa-30902	257	6	coefficient	coefficient	NOUN
cjfa-30902	257	7	is	be	AUX
cjfa-30902	257	8	found	find	VERB
cjfa-30902	257	9	for	for	ADP
cjfa-30902	257	10	the	the	DET
cjfa-30902	257	11	dependent	dependent	ADJ
cjfa-30902	257	12	variable	variable	NOUN
cjfa-30902	257	13	(	(	PUNCT
cjfa-30902	257	14	bank	bank	NOUN
cjfa-30902	257	15	performance	performance	NOUN
cjfa-30902	257	16	)	)	PUNCT
cjfa-30902	257	17	as	as	SCONJ
cjfa-30902	257	18	the	the	DET
cjfa-30902	257	19	mediator	mediator	NOUN
cjfa-30902	257	20	(	(	PUNCT
cjfa-30902	257	21	risk	risk	NOUN
cjfa-30902	257	22	management	management	NOUN
cjfa-30902	257	23	)	)	PUNCT
cjfa-30902	257	24	is	be	AUX
cjfa-30902	257	25	introduced	introduce	VERB
cjfa-30902	257	26	into	into	ADP
cjfa-30902	257	27	the	the	DET
cjfa-30902	257	28	equation	equation	NOUN
cjfa-30902	257	29	,	,	PUNCT
cjfa-30902	257	30	full	full	ADJ
cjfa-30902	257	31	mediation	mediation	NOUN
cjfa-30902	257	32	will	will	AUX
cjfa-30902	257	33	occur	occur	VERB
cjfa-30902	257	34	.	.	PUNCT
cjfa-30902	258	1	if	if	SCONJ
cjfa-30902	258	2	the	the	DET
cjfa-30902	258	3	coefficient	coefficient	NOUN
cjfa-30902	258	4	of	of	ADP
cjfa-30902	258	5	the	the	DET
cjfa-30902	258	6	dependent	dependent	ADJ
cjfa-30902	258	7	variable	variable	NOUN
cjfa-30902	258	8	remains	remain	VERB
cjfa-30902	258	9	significant	significant	ADJ
cjfa-30902	258	10	in	in	ADP
cjfa-30902	258	11	the	the	DET
cjfa-30902	258	12	presence	presence	NOUN
cjfa-30902	258	13	of	of	ADP
cjfa-30902	258	14	the	the	DET
cjfa-30902	258	15	mediator	mediator	NOUN
cjfa-30902	258	16	variable	variable	NOUN
cjfa-30902	258	17	in	in	ADP
cjfa-30902	258	18	models	model	NOUN
cjfa-30902	258	19	3	3	NUM
cjfa-30902	258	20	,	,	PUNCT
cjfa-30902	258	21	4	4	NUM
cjfa-30902	258	22	and	and	CCONJ
cjfa-30902	258	23	5	5	NUM
cjfa-30902	258	24	,	,	PUNCT
cjfa-30902	258	25	partial	partial	ADJ
cjfa-30902	258	26	mediation	mediation	NOUN
cjfa-30902	258	27	will	will	AUX
cjfa-30902	258	28	take	take	VERB
cjfa-30902	258	29	place	place	NOUN
cjfa-30902	258	30	.	.	PUNCT
cjfa-30902	259	1	models	model	NOUN
cjfa-30902	259	2	3	3	NUM
cjfa-30902	259	3	and	and	CCONJ
cjfa-30902	259	4	4	4	NUM
cjfa-30902	259	5	test	test	NOUN
cjfa-30902	259	6	the	the	DET
cjfa-30902	259	7	mediating	mediate	VERB
cjfa-30902	259	8	effect	effect	NOUN
cjfa-30902	259	9	of	of	ADP
cjfa-30902	259	10	credit	credit	NOUN
cjfa-30902	259	11	risk	risk	NOUN
cjfa-30902	259	12	management	management	NOUN
cjfa-30902	259	13	,	,	PUNCT
cjfa-30902	259	14	and	and	CCONJ
cjfa-30902	259	15	total	total	ADJ
cjfa-30902	259	16	risk	risk	NOUN
cjfa-30902	259	17	management	management	NOUN
cjfa-30902	259	18	shows	show	VERB
cjfa-30902	259	19	there	there	PRON
cjfa-30902	259	20	is	be	VERB
cjfa-30902	259	21	a	a	DET
cjfa-30902	259	22	direct	direct	ADJ
cjfa-30902	259	23	relationship	relationship	NOUN
cjfa-30902	259	24	between	between	ADP
cjfa-30902	259	25	financial	financial	ADJ
cjfa-30902	259	26	innovation	innovation	NOUN
cjfa-30902	259	27	and	and	CCONJ
cjfa-30902	259	28	mtb	mtb	NOUN
cjfa-30902	259	29	,	,	PUNCT
cjfa-30902	259	30	but	but	CCONJ
cjfa-30902	259	31	a	a	DET
cjfa-30902	259	32	lack	lack	NOUN
cjfa-30902	259	33	of	of	ADP
cjfa-30902	259	34	relationship	relationship	NOUN
cjfa-30902	259	35	between	between	ADP
cjfa-30902	259	36	financial	financial	ADJ
cjfa-30902	259	37	innovation	innovation	NOUN
cjfa-30902	259	38	and	and	CCONJ
cjfa-30902	259	39	roe	roe	PROPN
cjfa-30902	259	40	.	.	PUNCT
cjfa-30902	260	1	model	model	PROPN
cjfa-30902	260	2	5	5	NUM
cjfa-30902	260	3	assesses	assess	VERB
cjfa-30902	260	4	the	the	DET
cjfa-30902	260	5	mediating	mediating	NOUN
cjfa-30902	260	6	impact	impact	NOUN
cjfa-30902	260	7	of	of	ADP
cjfa-30902	260	8	operational	operational	ADJ
cjfa-30902	260	9	risk	risk	NOUN
cjfa-30902	260	10	ghazi	ghazi	PROPN
cjfa-30902	260	11	zouari	zouari	ADJ
cjfa-30902	260	12	,	,	PUNCT
cjfa-30902	260	13	imen	imen	PROPN
cjfa-30902	260	14	abdelmalek92	abdelmalek92	PROPN
cjfa-30902	260	15	management	management	NOUN
cjfa-30902	260	16	,	,	PUNCT
cjfa-30902	260	17	and	and	CCONJ
cjfa-30902	260	18	proves	prove	VERB
cjfa-30902	260	19	that	that	SCONJ
cjfa-30902	260	20	operational	operational	ADJ
cjfa-30902	260	21	risk	risk	NOUN
cjfa-30902	260	22	management	management	NOUN
cjfa-30902	260	23	partially	partially	ADV
cjfa-30902	260	24	mediates	mediate	VERB
cjfa-30902	260	25	the	the	DET
cjfa-30902	260	26	relationship	relationship	NOUN
cjfa-30902	260	27	between	between	ADP
cjfa-30902	260	28	financial	financial	ADJ
cjfa-30902	260	29	innovation	innovation	NOUN
cjfa-30902	260	30	and	and	CCONJ
cjfa-30902	260	31	stock	stock	NOUN
cjfa-30902	260	32	market	market	NOUN
cjfa-30902	260	33	performance	performance	NOUN
cjfa-30902	260	34	.	.	PUNCT
cjfa-30902	261	1	however	however	ADV
cjfa-30902	261	2	,	,	PUNCT
cjfa-30902	261	3	there	there	PRON
cjfa-30902	261	4	is	be	VERB
cjfa-30902	261	5	no	no	DET
cjfa-30902	261	6	effect	effect	NOUN
cjfa-30902	261	7	with	with	ADP
cjfa-30902	261	8	the	the	DET
cjfa-30902	261	9	roe	roe	NOUN
cjfa-30902	261	10	.	.	PUNCT
cjfa-30902	262	1	these	these	DET
cjfa-30902	262	2	results	result	NOUN
cjfa-30902	262	3	are	be	AUX
cjfa-30902	262	4	consistent	consistent	ADJ
cjfa-30902	262	5	with	with	ADP
cjfa-30902	262	6	the	the	DET
cjfa-30902	262	7	findings	finding	NOUN
cjfa-30902	262	8	of	of	ADP
cjfa-30902	262	9	guermazi	guermazi	PROPN
cjfa-30902	262	10	(	(	PUNCT
cjfa-30902	262	11	2017	2017	NUM
cjfa-30902	262	12	)	)	PUNCT
cjfa-30902	262	13	who	who	PRON
cjfa-30902	262	14	finds	find	VERB
cjfa-30902	262	15	out	out	ADP
cjfa-30902	262	16	that	that	DET
cjfa-30902	262	17	risk	risk	NOUN
cjfa-30902	262	18	management	management	NOUN
cjfa-30902	262	19	mediates	mediate	NOUN
cjfa-30902	262	20	innovation	innovation	NOUN
cjfa-30902	262	21	,	,	PUNCT
cjfa-30902	262	22	and	and	CCONJ
cjfa-30902	262	23	service	service	NOUN
cjfa-30902	262	24	quality	quality	NOUN
cjfa-30902	262	25	of	of	ADP
cjfa-30902	262	26	banks	bank	NOUN
cjfa-30902	262	27	and	and	CCONJ
cjfa-30902	262	28	insurance	insurance	NOUN
cjfa-30902	262	29	.	.	PUNCT
cjfa-30902	263	1	our	our	PRON
cjfa-30902	263	2	paper	paper	NOUN
cjfa-30902	263	3	has	have	AUX
cjfa-30902	263	4	shown	show	VERB
cjfa-30902	263	5	and	and	CCONJ
cjfa-30902	263	6	corroborated	corroborate	VERB
cjfa-30902	263	7	that	that	SCONJ
cjfa-30902	263	8	the	the	PRON
cjfa-30902	263	9	more	more	ADV
cjfa-30902	263	10	the	the	DET
cjfa-30902	263	11	bank	bank	NOUN
cjfa-30902	263	12	innovates	innovate	VERB
cjfa-30902	263	13	,	,	PUNCT
cjfa-30902	263	14	the	the	PRON
cjfa-30902	263	15	greater	great	ADJ
cjfa-30902	263	16	it	it	PRON
cjfa-30902	263	17	improves	improve	VERB
cjfa-30902	263	18	its	its	PRON
cjfa-30902	263	19	market	market	NOUN
cjfa-30902	263	20	value	value	NOUN
cjfa-30902	263	21	.	.	PUNCT
cjfa-30902	264	1	moreover	moreover	ADV
cjfa-30902	264	2	,	,	PUNCT
cjfa-30902	264	3	the	the	DET
cjfa-30902	264	4	research	research	NOUN
cjfa-30902	264	5	in	in	ADP
cjfa-30902	264	6	the	the	DET
cjfa-30902	264	7	banking	banking	NOUN
cjfa-30902	264	8	sector	sector	NOUN
cjfa-30902	264	9	is	be	AUX
cjfa-30902	264	10	usually	usually	ADV
cjfa-30902	264	11	interested	interested	ADJ
cjfa-30902	264	12	in	in	ADP
cjfa-30902	264	13	financial	financial	ADJ
cjfa-30902	264	14	risk	risk	NOUN
cjfa-30902	264	15	even	even	ADV
cjfa-30902	264	16	though	though	SCONJ
cjfa-30902	264	17	the	the	DET
cjfa-30902	264	18	operational	operational	ADJ
cjfa-30902	264	19	risk	risk	NOUN
cjfa-30902	264	20	is	be	AUX
cjfa-30902	264	21	becoming	become	VERB
cjfa-30902	264	22	relevant	relevant	ADJ
cjfa-30902	264	23	in	in	ADP
cjfa-30902	264	24	an	an	DET
cjfa-30902	264	25	uncertain	uncertain	ADJ
cjfa-30902	264	26	environment	environment	NOUN
cjfa-30902	264	27	.	.	PUNCT
cjfa-30902	265	1	our	our	PRON
cjfa-30902	265	2	article	article	NOUN
cjfa-30902	265	3	accounts	account	VERB
cjfa-30902	265	4	for	for	ADP
cjfa-30902	265	5	the	the	DET
cjfa-30902	265	6	impact	impact	NOUN
cjfa-30902	265	7	of	of	ADP
cjfa-30902	265	8	operational	operational	ADJ
cjfa-30902	265	9	risk	risk	NOUN
cjfa-30902	265	10	management	management	NOUN
cjfa-30902	265	11	on	on	ADP
cjfa-30902	265	12	market	market	NOUN
cjfa-30902	265	13	performance	performance	NOUN
cjfa-30902	265	14	,	,	PUNCT
cjfa-30902	265	15	which	which	PRON
cjfa-30902	265	16	relates	relate	VERB
cjfa-30902	265	17	to	to	ADP
cjfa-30902	265	18	the	the	DET
cjfa-30902	265	19	credibility	credibility	NOUN
cjfa-30902	265	20	of	of	ADP
cjfa-30902	265	21	information	information	NOUN
cjfa-30902	265	22	and	and	CCONJ
cjfa-30902	265	23	the	the	DET
cjfa-30902	265	24	reputation	reputation	NOUN
cjfa-30902	265	25	of	of	ADP
cjfa-30902	265	26	banks	bank	NOUN
cjfa-30902	265	27	.	.	PUNCT
cjfa-30902	266	1	banks	bank	NOUN
cjfa-30902	266	2	in	in	ADP
cjfa-30902	266	3	tunisia	tunisia	PROPN
cjfa-30902	266	4	should	should	AUX
cjfa-30902	266	5	focus	focus	VERB
cjfa-30902	266	6	more	more	ADJ
cjfa-30902	266	7	attention	attention	NOUN
cjfa-30902	266	8	on	on	ADP
cjfa-30902	266	9	capacity	capacity	NOUN
cjfa-30902	266	10	building	building	NOUN
cjfa-30902	266	11	and	and	CCONJ
cjfa-30902	266	12	special	special	ADJ
cjfa-30902	266	13	training	training	NOUN
cjfa-30902	266	14	of	of	ADP
cjfa-30902	266	15	bank	bank	NOUN
cjfa-30902	266	16	managers	manager	NOUN
cjfa-30902	266	17	whose	whose	DET
cjfa-30902	266	18	function	function	NOUN
cjfa-30902	266	19	relate	relate	VERB
cjfa-30902	266	20	to	to	ADP
cjfa-30902	266	21	financial	financial	ADJ
cjfa-30902	266	22	innovations	innovation	NOUN
cjfa-30902	266	23	,	,	PUNCT
cjfa-30902	266	24	credit	credit	NOUN
cjfa-30902	266	25	and	and	CCONJ
cjfa-30902	266	26	loans	loan	NOUN
cjfa-30902	266	27	to	to	PART
cjfa-30902	266	28	serve	serve	VERB
cjfa-30902	266	29	as	as	ADP
cjfa-30902	266	30	a	a	DET
cjfa-30902	266	31	conduit	conduit	NOUN
cjfa-30902	266	32	of	of	ADP
cjfa-30902	266	33	giving	give	VERB
cjfa-30902	266	34	them	they	PRON
cjfa-30902	266	35	sufficient	sufficient	ADJ
cjfa-30902	266	36	knowledge	knowledge	NOUN
cjfa-30902	266	37	on	on	ADP
cjfa-30902	266	38	how	how	SCONJ
cjfa-30902	266	39	to	to	PART
cjfa-30902	266	40	deal	deal	VERB
cjfa-30902	266	41	with	with	ADP
cjfa-30902	266	42	innovation	innovation	NOUN
cjfa-30902	266	43	issues	issue	NOUN
cjfa-30902	266	44	and	and	CCONJ
cjfa-30902	266	45	mitigate	mitigate	VERB
cjfa-30902	266	46	risks	risk	NOUN
cjfa-30902	266	47	faced	face	VERB
cjfa-30902	266	48	by	by	ADP
cjfa-30902	266	49	these	these	DET
cjfa-30902	266	50	banks	bank	NOUN
cjfa-30902	266	51	in	in	ADP
cjfa-30902	266	52	order	order	NOUN
cjfa-30902	266	53	to	to	PART
cjfa-30902	266	54	improve	improve	VERB
cjfa-30902	266	55	their	their	PRON
cjfa-30902	266	56	performance	performance	NOUN
cjfa-30902	266	57	.	.	PUNCT
cjfa-30902	267	1	in	in	ADP
cjfa-30902	267	2	addition	addition	NOUN
cjfa-30902	267	3	,	,	PUNCT
cjfa-30902	267	4	banks	bank	NOUN
cjfa-30902	267	5	should	should	AUX
cjfa-30902	267	6	do	do	VERB
cjfa-30902	267	7	more	more	ADJ
cjfa-30902	267	8	efforts	effort	NOUN
cjfa-30902	267	9	for	for	SCONJ
cjfa-30902	267	10	contribute	contribute	VERB
cjfa-30902	267	11	to	to	PART
cjfa-30902	267	12	revitalize	revitalize	VERB
cjfa-30902	267	13	the	the	DET
cjfa-30902	267	14	growth	growth	NOUN
cjfa-30902	267	15	of	of	ADP
cjfa-30902	267	16	the	the	DET
cjfa-30902	267	17	economy	economy	NOUN
cjfa-30902	267	18	by	by	ADP
cjfa-30902	267	19	investing	invest	VERB
cjfa-30902	267	20	in	in	ADP
cjfa-30902	267	21	research	research	NOUN
cjfa-30902	267	22	and	and	CCONJ
cjfa-30902	267	23	development	development	NOUN
cjfa-30902	267	24	and	and	CCONJ
cjfa-30902	267	25	managing	manage	VERB
cjfa-30902	267	26	risks	risk	NOUN
cjfa-30902	267	27	effectively	effectively	ADV
cjfa-30902	267	28	in	in	ADP
cjfa-30902	267	29	order	order	NOUN
cjfa-30902	267	30	to	to	PART
cjfa-30902	267	31	increase	increase	VERB
cjfa-30902	267	32	the	the	DET
cjfa-30902	267	33	performance	performance	NOUN
cjfa-30902	267	34	.	.	PUNCT
cjfa-30902	267	35	 	 	SPACE
cjfa-30902	268	1	conclusions	conclusion	NOUN
cjfa-30902	268	2	our	our	PRON
cjfa-30902	268	3	paper	paper	NOUN
cjfa-30902	268	4	reports	report	VERB
cjfa-30902	268	5	the	the	DET
cjfa-30902	268	6	results	result	NOUN
cjfa-30902	268	7	of	of	ADP
cjfa-30902	268	8	an	an	DET
cjfa-30902	268	9	empirical	empirical	ADJ
cjfa-30902	268	10	model	model	NOUN
cjfa-30902	268	11	including	include	VERB
cjfa-30902	268	12	financial	financial	ADJ
cjfa-30902	268	13	innovation	innovation	NOUN
cjfa-30902	268	14	,	,	PUNCT
cjfa-30902	268	15	risk	risk	NOUN
cjfa-30902	268	16	management	management	NOUN
cjfa-30902	268	17	and	and	CCONJ
cjfa-30902	268	18	bank	bank	NOUN
cjfa-30902	268	19	performance	performance	NOUN
cjfa-30902	268	20	of	of	ADP
cjfa-30902	268	21	10	10	NUM
cjfa-30902	268	22	tunisian	tunisian	ADJ
cjfa-30902	268	23	listed	list	VERB
cjfa-30902	268	24	commercial	commercial	ADJ
cjfa-30902	268	25	banks	bank	NOUN
cjfa-30902	268	26	.	.	PUNCT
cjfa-30902	269	1	a	a	DET
cjfa-30902	269	2	theoretical	theoretical	ADJ
cjfa-30902	269	3	framework	framework	NOUN
cjfa-30902	269	4	has	have	AUX
cjfa-30902	269	5	been	be	AUX
cjfa-30902	269	6	empirically	empirically	ADV
cjfa-30902	269	7	tested	test	VERB
cjfa-30902	269	8	,	,	PUNCT
cjfa-30902	269	9	and	and	CCONJ
cjfa-30902	269	10	the	the	DET
cjfa-30902	269	11	main	main	ADJ
cjfa-30902	269	12	purpose	purpose	NOUN
cjfa-30902	269	13	of	of	ADP
cjfa-30902	269	14	our	our	PRON
cjfa-30902	269	15	study	study	NOUN
cjfa-30902	269	16	is	be	AUX
cjfa-30902	269	17	to	to	PART
cjfa-30902	269	18	investigate	investigate	VERB
cjfa-30902	269	19	the	the	DET
cjfa-30902	269	20	mediating	mediate	VERB
cjfa-30902	269	21	role	role	NOUN
cjfa-30902	269	22	of	of	ADP
cjfa-30902	269	23	risk	risk	NOUN
cjfa-30902	269	24	management	management	NOUN
cjfa-30902	269	25	between	between	ADP
cjfa-30902	269	26	financial	financial	ADJ
cjfa-30902	269	27	innovation	innovation	NOUN
cjfa-30902	269	28	and	and	CCONJ
cjfa-30902	269	29	bank	bank	NOUN
cjfa-30902	269	30	performance	performance	NOUN
cjfa-30902	269	31	.	.	PUNCT
cjfa-30902	270	1	our	our	PRON
cjfa-30902	270	2	findings	finding	NOUN
cjfa-30902	270	3	support	support	VERB
cjfa-30902	270	4	the	the	DET
cjfa-30902	270	5	four	four	NUM
cjfa-30902	270	6	hypotheses	hypothesis	NOUN
cjfa-30902	270	7	specified	specify	VERB
cjfa-30902	270	8	,	,	PUNCT
cjfa-30902	270	9	and	and	CCONJ
cjfa-30902	270	10	indicate	indicate	VERB
cjfa-30902	270	11	a	a	DET
cjfa-30902	270	12	significant	significant	ADJ
cjfa-30902	270	13	implication	implication	NOUN
cjfa-30902	270	14	for	for	ADP
cjfa-30902	270	15	the	the	DET
cjfa-30902	270	16	theory	theory	NOUN
cjfa-30902	270	17	and	and	CCONJ
cjfa-30902	270	18	empirical	empirical	ADJ
cjfa-30902	270	19	research	research	NOUN
cjfa-30902	270	20	.	.	PUNCT
cjfa-30902	271	1	the	the	DET
cjfa-30902	271	2	initial	initial	ADJ
cjfa-30902	271	3	hypothesis	hypothesis	NOUN
cjfa-30902	271	4	confirms	confirm	VERB
cjfa-30902	271	5	a	a	DET
cjfa-30902	271	6	positive	positive	ADJ
cjfa-30902	271	7	and	and	CCONJ
cjfa-30902	271	8	significant	significant	ADJ
cjfa-30902	271	9	relationship	relationship	NOUN
cjfa-30902	271	10	between	between	ADP
cjfa-30902	271	11	financial	financial	ADJ
cjfa-30902	271	12	innovation	innovation	NOUN
cjfa-30902	271	13	and	and	CCONJ
cjfa-30902	271	14	market	market	NOUN
cjfa-30902	271	15	performance	performance	NOUN
cjfa-30902	271	16	.	.	PUNCT
cjfa-30902	272	1	on	on	ADP
cjfa-30902	272	2	the	the	DET
cjfa-30902	272	3	other	other	ADJ
cjfa-30902	272	4	hand	hand	NOUN
cjfa-30902	272	5	,	,	PUNCT
cjfa-30902	272	6	the	the	DET
cjfa-30902	272	7	result	result	NOUN
cjfa-30902	272	8	shows	show	VERB
cjfa-30902	272	9	there	there	PRON
cjfa-30902	272	10	is	be	VERB
cjfa-30902	272	11	a	a	DET
cjfa-30902	272	12	non	non	ADJ
cjfa-30902	272	13	-	-	ADJ
cjfa-30902	272	14	significant	significant	ADJ
cjfa-30902	272	15	relationship	relationship	NOUN
cjfa-30902	272	16	between	between	ADP
cjfa-30902	272	17	financial	financial	ADJ
cjfa-30902	272	18	innovation	innovation	NOUN
cjfa-30902	272	19	and	and	CCONJ
cjfa-30902	272	20	financial	financial	ADJ
cjfa-30902	272	21	performance	performance	NOUN
cjfa-30902	272	22	,	,	PUNCT
cjfa-30902	272	23	which	which	PRON
cjfa-30902	272	24	contradicts	contradict	VERB
cjfa-30902	272	25	previous	previous	ADJ
cjfa-30902	272	26	empirical	empirical	ADJ
cjfa-30902	272	27	research	research	NOUN
cjfa-30902	272	28	.	.	PUNCT
cjfa-30902	273	1	in	in	ADP
cjfa-30902	273	2	hypothesis	hypothesis	NOUN
cjfa-30902	273	3	2	2	NUM
cjfa-30902	273	4	,	,	PUNCT
cjfa-30902	273	5	there	there	PRON
cjfa-30902	273	6	is	be	VERB
cjfa-30902	273	7	a	a	DET
cjfa-30902	273	8	positive	positive	ADJ
cjfa-30902	273	9	and	and	CCONJ
cjfa-30902	273	10	significant	significant	ADJ
cjfa-30902	273	11	relationship	relationship	NOUN
cjfa-30902	273	12	between	between	ADP
cjfa-30902	273	13	financial	financial	ADJ
cjfa-30902	273	14	innovation	innovation	NOUN
cjfa-30902	273	15	,	,	PUNCT
cjfa-30902	273	16	operational	operational	ADJ
cjfa-30902	273	17	risk	risk	NOUN
cjfa-30902	273	18	management	management	NOUN
cjfa-30902	273	19	and	and	CCONJ
cjfa-30902	273	20	capital	capital	NOUN
cjfa-30902	273	21	adequacy	adequacy	NOUN
cjfa-30902	273	22	ratio	ratio	NOUN
cjfa-30902	273	23	.	.	PUNCT
cjfa-30902	274	1	we	we	PRON
cjfa-30902	274	2	also	also	ADV
cjfa-30902	274	3	find	find	VERB
cjfa-30902	274	4	a	a	DET
cjfa-30902	274	5	non	non	ADJ
cjfa-30902	274	6	-	-	ADJ
cjfa-30902	274	7	significant	significant	ADJ
cjfa-30902	274	8	relationship	relationship	NOUN
cjfa-30902	274	9	between	between	ADP
cjfa-30902	274	10	financial	financial	ADJ
cjfa-30902	274	11	innovation	innovation	NOUN
cjfa-30902	274	12	and	and	CCONJ
cjfa-30902	274	13	credit	credit	NOUN
cjfa-30902	274	14	risk	risk	NOUN
cjfa-30902	274	15	management	management	NOUN
cjfa-30902	274	16	.	.	PUNCT
cjfa-30902	275	1	in	in	ADP
cjfa-30902	275	2	hypoth	hypoth	PROPN
cjfa-30902	275	3	financial	financial	ADJ
cjfa-30902	275	4	innovation	innovation	NOUN
cjfa-30902	275	5	,	,	PUNCT
cjfa-30902	275	6	risk	risk	NOUN
cjfa-30902	275	7	management	management	NOUN
cjfa-30902	275	8	,	,	PUNCT
cjfa-30902	275	9	and	and	CCONJ
cjfa-30902	275	10	bank	bank	NOUN
cjfa-30902	275	11	performance	performance	NOUN
cjfa-30902	275	12	93	93	NUM
cjfa-30902	275	13	esis	esis	NOUN
cjfa-30902	275	14	3	3	NUM
cjfa-30902	275	15	,	,	PUNCT
cjfa-30902	275	16	we	we	PRON
cjfa-30902	275	17	prove	prove	VERB
cjfa-30902	275	18	that	that	SCONJ
cjfa-30902	275	19	the	the	DET
cjfa-30902	275	20	relationship	relationship	NOUN
cjfa-30902	275	21	is	be	AUX
cjfa-30902	275	22	positive	positive	ADJ
cjfa-30902	275	23	and	and	CCONJ
cjfa-30902	275	24	significant	significant	ADJ
cjfa-30902	275	25	between	between	ADP
cjfa-30902	275	26	operational	operational	ADJ
cjfa-30902	275	27	risk	risk	NOUN
cjfa-30902	275	28	management	management	NOUN
cjfa-30902	275	29	and	and	CCONJ
cjfa-30902	275	30	bank	bank	NOUN
cjfa-30902	275	31	performance	performance	NOUN
cjfa-30902	275	32	as	as	ADV
cjfa-30902	275	33	well	well	ADV
cjfa-30902	275	34	as	as	ADP
cjfa-30902	275	35	between	between	ADP
cjfa-30902	275	36	credit	credit	NOUN
cjfa-30902	275	37	risk	risk	NOUN
cjfa-30902	275	38	management	management	NOUN
cjfa-30902	275	39	and	and	CCONJ
cjfa-30902	275	40	financial	financial	ADJ
cjfa-30902	275	41	performance	performance	NOUN
cjfa-30902	275	42	.	.	PUNCT
cjfa-30902	276	1	this	this	DET
cjfa-30902	276	2	hypothesis	hypothesis	NOUN
cjfa-30902	276	3	is	be	AUX
cjfa-30902	276	4	not	not	PART
cjfa-30902	276	5	supported	support	VERB
cjfa-30902	276	6	for	for	ADP
cjfa-30902	276	7	global	global	ADJ
cjfa-30902	276	8	risk	risk	NOUN
cjfa-30902	276	9	management	management	NOUN
cjfa-30902	276	10	.	.	PUNCT
cjfa-30902	277	1	in	in	ADP
cjfa-30902	277	2	hypothesis	hypothesis	NOUN
cjfa-30902	277	3	4	4	NUM
cjfa-30902	277	4	,	,	PUNCT
cjfa-30902	277	5	we	we	PRON
cjfa-30902	277	6	have	have	AUX
cjfa-30902	277	7	provided	provide	VERB
cjfa-30902	277	8	evidence	evidence	NOUN
cjfa-30902	277	9	that	that	SCONJ
cjfa-30902	277	10	there	there	PRON
cjfa-30902	277	11	is	be	VERB
cjfa-30902	277	12	a	a	DET
cjfa-30902	277	13	partial	partial	ADJ
cjfa-30902	277	14	mediating	mediating	NOUN
cjfa-30902	277	15	effect	effect	NOUN
cjfa-30902	277	16	of	of	ADP
cjfa-30902	277	17	operational	operational	ADJ
cjfa-30902	277	18	risk	risk	NOUN
cjfa-30902	277	19	management	management	NOUN
cjfa-30902	277	20	between	between	ADP
cjfa-30902	277	21	financial	financial	ADJ
cjfa-30902	277	22	innovation	innovation	NOUN
cjfa-30902	277	23	and	and	CCONJ
cjfa-30902	277	24	bank	bank	NOUN
cjfa-30902	277	25	performance	performance	NOUN
cjfa-30902	277	26	.	.	PUNCT
cjfa-30902	278	1	in	in	ADP
cjfa-30902	278	2	addition	addition	NOUN
cjfa-30902	278	3	,	,	PUNCT
cjfa-30902	278	4	we	we	PRON
cjfa-30902	278	5	also	also	ADV
cjfa-30902	278	6	find	find	VERB
cjfa-30902	278	7	out	out	ADP
cjfa-30902	278	8	an	an	DET
cjfa-30902	278	9	indirect	indirect	ADJ
cjfa-30902	278	10	relationship	relationship	NOUN
cjfa-30902	278	11	between	between	ADP
cjfa-30902	278	12	financial	financial	ADJ
cjfa-30902	278	13	innovation	innovation	NOUN
cjfa-30902	278	14	and	and	CCONJ
cjfa-30902	278	15	market	market	NOUN
cjfa-30902	278	16	performance	performance	NOUN
cjfa-30902	278	17	through	through	ADP
cjfa-30902	278	18	credit	credit	NOUN
cjfa-30902	278	19	risk	risk	NOUN
cjfa-30902	278	20	management	management	NOUN
cjfa-30902	278	21	.	.	PUNCT
cjfa-30902	279	1	the	the	DET
cjfa-30902	279	2	findings	finding	NOUN
cjfa-30902	279	3	of	of	ADP
cjfa-30902	279	4	the	the	DET
cjfa-30902	279	5	study	study	NOUN
cjfa-30902	279	6	are	be	AUX
cjfa-30902	279	7	significant	significant	ADJ
cjfa-30902	279	8	as	as	SCONJ
cjfa-30902	279	9	tunisian	tunisian	ADJ
cjfa-30902	279	10	commercial	commercial	ADJ
cjfa-30902	279	11	banks	bank	NOUN
cjfa-30902	279	12	will	will	AUX
cjfa-30902	279	13	understand	understand	VERB
cjfa-30902	279	14	the	the	DET
cjfa-30902	279	15	effectiveness	effectiveness	NOUN
cjfa-30902	279	16	of	of	ADP
cjfa-30902	279	17	various	various	ADJ
cjfa-30902	279	18	risk	risk	NOUN
cjfa-30902	279	19	management	management	NOUN
cjfa-30902	279	20	strategies	strategy	NOUN
cjfa-30902	279	21	(	(	PUNCT
cjfa-30902	279	22	especially	especially	ADV
cjfa-30902	279	23	,	,	PUNCT
cjfa-30902	279	24	innovation	innovation	NOUN
cjfa-30902	279	25	)	)	PUNCT
cjfa-30902	279	26	and	and	CCONJ
cjfa-30902	279	27	may	may	AUX
cjfa-30902	279	28	apply	apply	VERB
cjfa-30902	279	29	them	they	PRON
cjfa-30902	279	30	for	for	ADP
cjfa-30902	279	31	minimizing	minimize	VERB
cjfa-30902	279	32	risks	risk	NOUN
cjfa-30902	279	33	incurred	incur	VERB
cjfa-30902	279	34	and	and	CCONJ
cjfa-30902	279	35	enhance	enhance	VERB
cjfa-30902	279	36	their	their	PRON
cjfa-30902	279	37	market	market	NOUN
cjfa-30902	279	38	competitiveness	competitiveness	NOUN
cjfa-30902	279	39	.	.	PUNCT
cjfa-30902	280	1	like	like	ADP
cjfa-30902	280	2	any	any	DET
cjfa-30902	280	3	other	other	ADJ
cjfa-30902	280	4	research	research	NOUN
cjfa-30902	280	5	,	,	PUNCT
cjfa-30902	280	6	this	this	DET
cjfa-30902	280	7	study	study	NOUN
cjfa-30902	280	8	has	have	VERB
cjfa-30902	280	9	some	some	DET
cjfa-30902	280	10	limitations	limitation	NOUN
cjfa-30902	280	11	,	,	PUNCT
cjfa-30902	280	12	and	and	CCONJ
cjfa-30902	280	13	presents	present	VERB
cjfa-30902	280	14	some	some	DET
cjfa-30902	280	15	new	new	ADJ
cjfa-30902	280	16	opportunities	opportunity	NOUN
cjfa-30902	280	17	for	for	ADP
cjfa-30902	280	18	future	future	ADJ
cjfa-30902	280	19	studies	study	NOUN
cjfa-30902	280	20	.	.	PUNCT
cjfa-30902	281	1	our	our	PRON
cjfa-30902	281	2	findings	finding	NOUN
cjfa-30902	281	3	can	can	AUX
cjfa-30902	281	4	be	be	AUX
cjfa-30902	281	5	generalized	generalize	VERB
cjfa-30902	281	6	to	to	ADP
cjfa-30902	281	7	other	other	ADJ
cjfa-30902	281	8	countries	country	NOUN
cjfa-30902	281	9	.	.	PUNCT
cjfa-30902	282	1	future	future	ADJ
cjfa-30902	282	2	studies	study	NOUN
cjfa-30902	282	3	may	may	AUX
cjfa-30902	282	4	seek	seek	VERB
cjfa-30902	282	5	an	an	DET
cjfa-30902	282	6	alternative	alternative	ADJ
cjfa-30902	282	7	dataset	dataset	NOUN
cjfa-30902	282	8	such	such	ADJ
cjfa-30902	282	9	as	as	ADP
cjfa-30902	282	10	a	a	DET
cjfa-30902	282	11	survey	survey	NOUN
cjfa-30902	282	12	,	,	PUNCT
cjfa-30902	282	13	can	can	AUX
cjfa-30902	282	14	use	use	VERB
cjfa-30902	282	15	an	an	DET
cjfa-30902	282	16	analysis	analysis	NOUN
cjfa-30902	282	17	method	method	NOUN
cjfa-30902	282	18	like	like	ADP
cjfa-30902	282	19	a	a	DET
cjfa-30902	282	20	structural	structural	ADJ
cjfa-30902	282	21	equation	equation	NOUN
cjfa-30902	282	22	modeling	modeling	NOUN
cjfa-30902	282	23	and	and	CCONJ
cjfa-30902	282	24	might	might	AUX
cjfa-30902	282	25	apply	apply	VERB
cjfa-30902	282	26	our	our	PRON
cjfa-30902	282	27	research	research	NOUN
cjfa-30902	282	28	in	in	ADP
cjfa-30902	282	29	islamic	islamic	ADJ
cjfa-30902	282	30	banks	bank	NOUN
cjfa-30902	282	31	.	.	PUNCT
cjfa-30902	283	1	eventually	eventually	ADV
cjfa-30902	283	2	,	,	PUNCT
cjfa-30902	283	3	a	a	DET
cjfa-30902	283	4	theoretical	theoretical	ADJ
cjfa-30902	283	5	model	model	NOUN
cjfa-30902	283	6	can	can	AUX
cjfa-30902	283	7	also	also	ADV
cjfa-30902	283	8	be	be	AUX
cjfa-30902	283	9	extended	extend	VERB
cjfa-30902	283	10	by	by	ADP
cjfa-30902	283	11	integrating	integrate	VERB
cjfa-30902	283	12	a	a	DET
cjfa-30902	283	13	different	different	ADJ
cjfa-30902	283	14	typology	typology	NOUN
cjfa-30902	283	15	of	of	ADP
cjfa-30902	283	16	financial	financial	ADJ
cjfa-30902	283	17	innovation	innovation	NOUN
cjfa-30902	283	18	such	such	ADJ
cjfa-30902	283	19	as	as	ADP
cjfa-30902	283	20	product	product	NOUN
cjfa-30902	283	21	innovation	innovation	NOUN
cjfa-30902	283	22	,	,	PUNCT
cjfa-30902	283	23	process	process	NOUN
cjfa-30902	283	24	innovation	innovation	NOUN
cjfa-30902	283	25	and	and	CCONJ
cjfa-30902	283	26	organizational	organizational	ADJ
cjfa-30902	283	27	innovation	innovation	NOUN
cjfa-30902	283	28	.	.	PUNCT
cjfa-30902	284	1	ghazi	ghazi	PROPN
cjfa-30902	284	2	zouari	zouari	PROPN
cjfa-30902	284	3	,	,	PUNCT
cjfa-30902	284	4	imen	iman	NOUN
cjfa-30902	284	5	abdelmalek94	abdelmalek94	VERB
cjfa-30902	284	6	ta	ta	PROPN
cjfa-30902	284	7	bl	bl	PROPN
cjfa-30902	284	8	e	e	PROPN
cjfa-30902	284	9	2	2	NUM
cjfa-30902	284	10	.	.	PUNCT
cjfa-30902	285	1	r	r	NOUN
cjfa-30902	285	2	eg	eg	NOUN
cjfa-30902	285	3	re	re	ADP
cjfa-30902	285	4	ss	ss	PROPN
cjfa-30902	285	5	io	io	PROPN
cjfa-30902	285	6	n	n	PROPN
cjfa-30902	285	7	re	re	PROPN
cjfa-30902	285	8	su	su	PROPN
cjfa-30902	285	9	lts	lts	PROPN
cjfa-30902	285	10	va	va	PROPN
cjfa-30902	285	11	ri	ri	PROPN
cjfa-30902	285	12	ab	ab	PROPN
cjfa-30902	285	13	le	le	PROPN
cjfa-30902	285	14	s	s	PROPN
cjfa-30902	285	15	co	co	NOUN
cjfa-30902	285	16	nd	nd	ADV
cjfa-30902	285	17	iti	iti	PROPN
cjfa-30902	285	18	on	on	ADP
cjfa-30902	285	19	1	1	NUM
cjfa-30902	285	20	co	co	NOUN
cjfa-30902	285	21	nd	nd	PROPN
cjfa-30902	285	22	iti	iti	PROPN
cjfa-30902	285	23	on	on	ADP
cjfa-30902	285	24	2	2	NUM
cjfa-30902	285	25	co	co	NOUN
cjfa-30902	285	26	nd	nd	NOUN
cjfa-30902	285	27	iti	iti	PROPN
cjfa-30902	285	28	on	on	ADP
cjfa-30902	285	29	3	3	NUM
cjfa-30902	285	30	m	m	PROPN
cjfa-30902	285	31	od	od	PROPN
cjfa-30902	285	32	el	el	PROPN
cjfa-30902	285	33	1	1	NUM
cjfa-30902	285	34	:	:	PUNCT
cjfa-30902	285	35	di	di	X
cjfa-30902	285	36	re	re	ADJ
cjfa-30902	285	37	ct	ct	PROPN
cjfa-30902	285	38	e	e	PROPN
cjfa-30902	285	39	ff	ff	INTJ
cjfa-30902	285	40	ec	ec	PROPN
cjfa-30902	285	41	t	t	PROPN
cjfa-30902	285	42	m	m	PROPN
cjfa-30902	285	43	od	od	PROPN
cjfa-30902	285	44	el	el	PROPN
cjfa-30902	285	45	2	2	NUM
cjfa-30902	285	46	:	:	PUNCT
cjfa-30902	285	47	m	m	VERB
cjfa-30902	285	48	ed	ed	PROPN
cjfa-30902	285	49	ia	ia	PROPN
cjfa-30902	285	50	to	to	PART
cjfa-30902	285	51	rs	rs	PROPN
cjfa-30902	285	52	m	m	PROPN
cjfa-30902	285	53	od	od	PROPN
cjfa-30902	285	54	el	el	PROPN
cjfa-30902	285	55	3	3	NUM
cjfa-30902	285	56	c	c	PROPN
cjfa-30902	285	57	ar	ar	PROPN
cjfa-30902	285	58	m	m	PROPN
cjfa-30902	285	59	ed	ed	PROPN
cjfa-30902	285	60	ia	ia	PROPN
cjfa-30902	285	61	tio	tio	PROPN
cjfa-30902	285	62	n	n	INTJ
cjfa-30902	285	63	m	m	PROPN
cjfa-30902	285	64	od	od	PROPN
cjfa-30902	285	65	el	el	PROPN
cjfa-30902	285	66	4	4	NUM
cjfa-30902	285	67	c	c	PROPN
cjfa-30902	285	68	rw	rw	PROPN
cjfa-30902	285	69	m	m	PROPN
cjfa-30902	285	70	ed	ed	PROPN
cjfa-30902	285	71	ia	ia	PROPN
cjfa-30902	285	72	tio	tio	PROPN
cjfa-30902	285	73	n	n	INTJ
cjfa-30902	285	74	m	m	PROPN
cjfa-30902	285	75	od	od	PROPN
cjfa-30902	285	76	el	el	PROPN
cjfa-30902	285	77	5	5	NUM
cjfa-30902	285	78	o	o	NOUN
cjfa-30902	285	79	rw	rw	PROPN
cjfa-30902	285	80	m	m	PROPN
cjfa-30902	285	81	ed	ed	PROPN
cjfa-30902	285	82	ia	ia	PROPN
cjfa-30902	285	83	tio	tio	PROPN
cjfa-30902	285	84	n	n	ADV
cjfa-30902	285	85	ro	ro	X
cjfa-30902	285	86	e	e	X
cjfa-30902	285	87	m	m	VERB
cjfa-30902	285	88	tb	tb	ADP
cjfa-30902	285	89	ca	ca	NOUN
cjfa-30902	285	90	r	r	NOUN
cjfa-30902	285	91	cr	cr	PROPN
cjfa-30902	285	92	w	w	PROPN
cjfa-30902	285	93	o	o	PROPN
cjfa-30902	285	94	rw	rw	NOUN
cjfa-30902	286	1	ro	ro	INTJ
cjfa-30902	286	2	e	e	X
cjfa-30902	286	3	m	m	VERB
cjfa-30902	286	4	tb	tb	ADP
cjfa-30902	286	5	ro	ro	X
cjfa-30902	286	6	e	e	X
cjfa-30902	286	7	m	m	VERB
cjfa-30902	286	8	tb	tb	ADP
cjfa-30902	286	9	ro	ro	X
cjfa-30902	286	10	e	e	X
cjfa-30902	286	11	m	m	VERB
cjfa-30902	286	12	tb	tb	ADP
cjfa-30902	286	13	co	co	X
cjfa-30902	286	14	ef	ef	PROPN
cjfa-30902	286	15	.	.	PUNCT
cjfa-30902	287	1	(	(	PUNCT
cjfa-30902	287	2	p	p	X
cjfa-30902	287	3	-v	-v	PROPN
cjfa-30902	287	4	al	al	PROPN
cjfa-30902	287	5	ue	ue	PROPN
cjfa-30902	287	6	)	)	PUNCT
cjfa-30902	287	7	co	co	VERB
cjfa-30902	287	8	ef	ef	PROPN
cjfa-30902	287	9	.	.	PUNCT
cjfa-30902	288	1	(	(	PUNCT
cjfa-30902	288	2	p	p	X
cjfa-30902	288	3	-v	-v	PROPN
cjfa-30902	288	4	al	al	PROPN
cjfa-30902	288	5	ue	ue	PROPN
cjfa-30902	288	6	)	)	PUNCT
cjfa-30902	288	7	co	co	VERB
cjfa-30902	288	8	ef	ef	PROPN
cjfa-30902	288	9	.	.	PUNCT
cjfa-30902	289	1	(	(	PUNCT
cjfa-30902	289	2	p	p	X
cjfa-30902	289	3	-v	-v	PROPN
cjfa-30902	289	4	al	al	PROPN
cjfa-30902	289	5	ue	ue	PROPN
cjfa-30902	289	6	)	)	PUNCT
cjfa-30902	289	7	co	co	VERB
cjfa-30902	289	8	ef	ef	PROPN
cjfa-30902	289	9	.	.	PUNCT
cjfa-30902	290	1	(	(	PUNCT
cjfa-30902	290	2	p	p	X
cjfa-30902	290	3	-v	-v	PROPN
cjfa-30902	290	4	al	al	PROPN
cjfa-30902	290	5	ue	ue	PROPN
cjfa-30902	290	6	)	)	PUNCT
cjfa-30902	290	7	co	co	VERB
cjfa-30902	290	8	ef	ef	PROPN
cjfa-30902	290	9	.	.	PUNCT
cjfa-30902	291	1	(	(	PUNCT
cjfa-30902	291	2	p	p	X
cjfa-30902	291	3	-v	-v	PROPN
cjfa-30902	291	4	al	al	PROPN
cjfa-30902	291	5	ue	ue	PROPN
cjfa-30902	291	6	)	)	PUNCT
cjfa-30902	291	7	co	co	VERB
cjfa-30902	291	8	ef	ef	PROPN
cjfa-30902	291	9	.	.	PUNCT
cjfa-30902	292	1	(	(	PUNCT
cjfa-30902	292	2	p	p	X
cjfa-30902	292	3	-v	-v	PROPN
cjfa-30902	292	4	al	al	PROPN
cjfa-30902	292	5	ue	ue	PROPN
cjfa-30902	292	6	)	)	PUNCT
cjfa-30902	292	7	co	co	VERB
cjfa-30902	292	8	ef	ef	PROPN
cjfa-30902	292	9	.	.	PUNCT
cjfa-30902	293	1	(	(	PUNCT
cjfa-30902	293	2	p	p	X
cjfa-30902	293	3	-v	-v	PROPN
cjfa-30902	293	4	al	al	PROPN
cjfa-30902	293	5	ue	ue	PROPN
cjfa-30902	293	6	)	)	PUNCT
cjfa-30902	293	7	co	co	VERB
cjfa-30902	293	8	ef	ef	PROPN
cjfa-30902	293	9	.	.	PUNCT
cjfa-30902	294	1	(	(	PUNCT
cjfa-30902	294	2	p	p	X
cjfa-30902	294	3	-v	-v	PROPN
cjfa-30902	294	4	al	al	PROPN
cjfa-30902	294	5	ue	ue	PROPN
cjfa-30902	294	6	)	)	PUNCT
cjfa-30902	294	7	co	co	VERB
cjfa-30902	294	8	ef	ef	PROPN
cjfa-30902	294	9	.	.	PUNCT
cjfa-30902	295	1	(	(	PUNCT
cjfa-30902	295	2	p	p	X
cjfa-30902	295	3	-v	-v	PROPN
cjfa-30902	295	4	al	al	PROPN
cjfa-30902	295	5	ue	ue	PROPN
cjfa-30902	295	6	)	)	PUNCT
cjfa-30902	295	7	co	co	VERB
cjfa-30902	295	8	ef	ef	PROPN
cjfa-30902	295	9	.	.	PUNCT
cjfa-30902	296	1	(	(	PUNCT
cjfa-30902	296	2	p	p	X
cjfa-30902	296	3	-v	-v	PROPN
cjfa-30902	296	4	al	al	PROPN
cjfa-30902	296	5	ue	ue	PROPN
cjfa-30902	296	6	)	)	PUNCT
cjfa-30902	296	7	co	co	VERB
cjfa-30902	296	8	ef	ef	PROPN
cjfa-30902	296	9	.	.	PUNCT
cjfa-30902	297	1	(	(	PUNCT
cjfa-30902	297	2	p	p	X
cjfa-30902	297	3	-v	-v	PROPN
cjfa-30902	297	4	al	al	PROPN
cjfa-30902	297	5	ue	ue	PROPN
cjfa-30902	297	6	)	)	PUNCT
cjfa-30902	297	7	in	in	ADP
cjfa-30902	297	8	n	n	PROPN
cjfa-30902	297	9	0	0	NUM
cjfa-30902	297	10	.	.	NOUN
cjfa-30902	297	11	04	04	NUM
cjfa-30902	297	12	6	6	NUM
cjfa-30902	297	13	(	(	PUNCT
cjfa-30902	297	14	0	0	NUM
cjfa-30902	297	15	.9	.9	NUM
cjfa-30902	297	16	6	6	NUM
cjfa-30902	297	17	)	)	PUNCT
cjfa-30902	297	18	1	1	NUM
cjfa-30902	297	19	.	.	X
cjfa-30902	297	20	48	48	NUM
cjfa-30902	297	21	0	0	NUM
cjfa-30902	297	22	*	*	PUNCT
cjfa-30902	298	1	*	*	PUNCT
cjfa-30902	298	2	*	*	PUNCT
cjfa-30902	298	3	(	(	PUNCT
cjfa-30902	298	4	3	3	NUM
cjfa-30902	298	5	.6	.6	NUM
cjfa-30902	298	6	7	7	NUM
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cjfa-30902	314	138	)	)	PUNCT
cjfa-30902	314	139	0	0	NUM
cjfa-30902	314	140	.	.	PUNCT
cjfa-30902	314	141	02	02	NUM
cjfa-30902	314	142	7	7	NUM
cjfa-30902	314	143	(	(	PUNCT
cjfa-30902	314	144	0	0	NUM
cjfa-30902	314	145	.6	.6	NUM
cjfa-30902	314	146	7	7	X
cjfa-30902	314	147	)	)	PUNCT
cjfa-30902	314	148	co	co	NOUN
cjfa-30902	314	149	ns	ns	VERB
cjfa-30902	314	150	ta	ta	PROPN
cjfa-30902	314	151	nt	not	PART
cjfa-30902	314	152	0	0	NUM
cjfa-30902	314	153	.	.	PROPN
cjfa-30902	314	154	11	11	NUM
cjfa-30902	315	1	3	3	NUM
cjfa-30902	315	2	*	*	PUNCT
cjfa-30902	315	3	*	*	PUNCT
cjfa-30902	315	4	(	(	PUNCT
cjfa-30902	315	5	2	2	NUM
cjfa-30902	315	6	.3	.3	NUM
cjfa-30902	315	7	5	5	NUM
cjfa-30902	315	8	)	)	PUNCT
cjfa-30902	315	9	0	0	NUM
cjfa-30902	315	10	.	.	X
cjfa-30902	316	1	63	63	NUM
cjfa-30902	316	2	9	9	NUM
cjfa-30902	316	3	*	*	SYM
cjfa-30902	316	4	*	*	PUNCT
cjfa-30902	316	5	(	(	PUNCT
cjfa-30902	316	6	2	2	NUM
cjfa-30902	316	7	.4	.4	NUM
cjfa-30902	316	8	7	7	NUM
cjfa-30902	316	9	)	)	PUNCT
cjfa-30902	316	10	0	0	NUM
cjfa-30902	316	11	.	.	X
cjfa-30902	317	1	10	10	NUM
cjfa-30902	317	2	1	1	NUM
cjfa-30902	317	3	*	*	PUNCT
cjfa-30902	317	4	*	*	PUNCT
cjfa-30902	317	5	*	*	PUNCT
cjfa-30902	317	6	(	(	PUNCT
cjfa-30902	317	7	7	7	NUM
cjfa-30902	317	8	.4	.4	NUM
cjfa-30902	317	9	8)	8)	NUM
cjfa-30902	317	10	0	0	NUM
cjfa-30902	317	11	.	.	PUNCT
cjfa-30902	318	1	87	87	NUM
cjfa-30902	318	2	1	1	NUM
cjfa-30902	318	3	*	*	PUNCT
cjfa-30902	318	4	*	*	PUNCT
cjfa-30902	318	5	*	*	PUNCT
cjfa-30902	318	6	(	(	PUNCT
cjfa-30902	318	7	2	2	NUM
cjfa-30902	318	8	3	3	NUM
cjfa-30902	318	9	.	.	NOUN
cjfa-30902	318	10	20	20	NUM
cjfa-30902	318	11	)	)	PUNCT
cjfa-30902	318	12	0	0	NUM
cjfa-30902	318	13	.	.	X
cjfa-30902	318	14	10	10	NUM
cjfa-30902	318	15	2	2	NUM
cjfa-30902	318	16	*	*	PUNCT
cjfa-30902	318	17	*	*	PUNCT
cjfa-30902	318	18	*	*	PUNCT
cjfa-30902	318	19	(	(	PUNCT
cjfa-30902	318	20	9	9	NUM
cjfa-30902	318	21	.9	.9	NUM
cjfa-30902	318	22	8)	8)	NUM
cjfa-30902	318	23	0	0	NUM
cjfa-30902	318	24	.	.	PUNCT
cjfa-30902	319	1	34	34	NUM
cjfa-30902	319	2	(	(	PUNCT
cjfa-30902	319	3	0	0	NUM
cjfa-30902	319	4	.1	.1	NUM
cjfa-30902	319	5	6	6	NUM
cjfa-30902	319	6	)	)	PUNCT
cjfa-30902	319	7	0	0	NUM
cjfa-30902	319	8	.	.	X
cjfa-30902	320	1	53	53	NUM
cjfa-30902	320	2	5	5	NUM
cjfa-30902	320	3	(	(	PUNCT
cjfa-30902	320	4	0	0	NUM
cjfa-30902	320	5	.4	.4	NUM
cjfa-30902	320	6	4	4	NUM
cjfa-30902	320	7	)	)	PUNCT
cjfa-30902	320	8	0	0	NUM
cjfa-30902	320	9	.	.	X
cjfa-30902	321	1	05	05	NUM
cjfa-30902	321	2	1	1	NUM
cjfa-30902	321	3	(	(	PUNCT
cjfa-30902	321	4	0	0	NUM
cjfa-30902	321	5	.2	.2	NUM
cjfa-30902	321	6	8)	8)	NUM
cjfa-30902	321	7	0	0	NUM
cjfa-30902	321	8	.	.	PUNCT
cjfa-30902	322	1	38	38	NUM
cjfa-30902	322	2	1	1	NUM
cjfa-30902	322	3	(	(	PUNCT
cjfa-30902	322	4	0	0	NUM
cjfa-30902	322	5	.6	.6	NUM
cjfa-30902	322	6	2	2	NUM
cjfa-30902	322	7	)	)	PUNCT
cjfa-30902	322	8	0	0	NUM
cjfa-30902	322	9	.	.	PROPN
cjfa-30902	322	10	00	00	NUM
cjfa-30902	322	11	9	9	NUM
cjfa-30902	322	12	(	(	PUNCT
cjfa-30902	322	13	0	0	NUM
cjfa-30902	322	14	.0	.0	NUM
cjfa-30902	322	15	8)	8)	NUM
cjfa-30902	322	16	0	0	NUM
cjfa-30902	322	17	.	.	PUNCT
cjfa-30902	322	18	97	97	NUM
cjfa-30902	323	1	3	3	NUM
cjfa-30902	323	2	*	*	SYM
cjfa-30902	323	3	(	(	PUNCT
cjfa-30902	323	4	1	1	NUM
cjfa-30902	323	5	.8	.8	NUM
cjfa-30902	323	6	3	3	NUM
cjfa-30902	323	7	)	)	PUNCT
cjfa-30902	323	8	fi	fi	NOUN
cjfa-30902	324	1	sh	sh	INTJ
cjfa-30902	324	2	er	er	INTJ
cjfa-30902	324	3	5	5	NUM
cjfa-30902	324	4	.	.	NUM
cjfa-30902	324	5	09	09	NUM
cjfa-30902	325	1	*	*	PUNCT
cjfa-30902	325	2	*	*	PUNCT
cjfa-30902	326	1	2	2	NUM
cjfa-30902	326	2	.	.	NUM
cjfa-30902	326	3	52	52	NUM
cjfa-30902	327	1	*	*	SYM
cjfa-30902	327	2	8	8	NUM
cjfa-30902	327	3	.	.	PUNCT
cjfa-30902	328	1	73	73	NUM
cjfa-30902	329	1	*	*	PUNCT
cjfa-30902	329	2	*	*	PUNCT
cjfa-30902	329	3	*	*	PUNCT
cjfa-30902	329	4	financial	financial	ADJ
cjfa-30902	329	5	innovation	innovation	NOUN
cjfa-30902	329	6	,	,	PUNCT
cjfa-30902	329	7	risk	risk	NOUN
cjfa-30902	329	8	management	management	NOUN
cjfa-30902	329	9	,	,	PUNCT
cjfa-30902	329	10	and	and	CCONJ
cjfa-30902	329	11	bank	bank	NOUN
cjfa-30902	329	12	performance	performance	NOUN
cjfa-30902	329	13	95	95	NUM
cjfa-30902	329	14	va	va	NOUN
cjfa-30902	329	15	ri	ri	PROPN
cjfa-30902	329	16	ab	ab	PROPN
cjfa-30902	329	17	le	le	PROPN
cjfa-30902	329	18	s	s	PROPN
cjfa-30902	329	19	co	co	NOUN
cjfa-30902	329	20	nd	nd	ADV
cjfa-30902	329	21	iti	iti	PROPN
cjfa-30902	329	22	on	on	ADP
cjfa-30902	329	23	1	1	NUM
cjfa-30902	329	24	co	co	NOUN
cjfa-30902	329	25	nd	nd	PROPN
cjfa-30902	329	26	iti	iti	PROPN
cjfa-30902	329	27	on	on	ADP
cjfa-30902	329	28	2	2	NUM
cjfa-30902	329	29	co	co	NOUN
cjfa-30902	329	30	nd	nd	NOUN
cjfa-30902	329	31	iti	iti	PROPN
cjfa-30902	329	32	on	on	ADP
cjfa-30902	329	33	3	3	NUM
cjfa-30902	329	34	m	m	PROPN
cjfa-30902	329	35	od	od	PROPN
cjfa-30902	329	36	el	el	PROPN
cjfa-30902	329	37	1	1	NUM
cjfa-30902	329	38	:	:	PUNCT
cjfa-30902	329	39	di	di	X
cjfa-30902	329	40	re	re	ADJ
cjfa-30902	329	41	ct	ct	PROPN
cjfa-30902	329	42	e	e	PROPN
cjfa-30902	329	43	ff	ff	INTJ
cjfa-30902	329	44	ec	ec	PROPN
cjfa-30902	329	45	t	t	PROPN
cjfa-30902	329	46	m	m	PROPN
cjfa-30902	329	47	od	od	PROPN
cjfa-30902	329	48	el	el	PROPN
cjfa-30902	329	49	2	2	NUM
cjfa-30902	329	50	:	:	PUNCT
cjfa-30902	329	51	m	m	VERB
cjfa-30902	329	52	ed	ed	PROPN
cjfa-30902	329	53	ia	ia	PROPN
cjfa-30902	329	54	to	to	PART
cjfa-30902	329	55	rs	rs	PROPN
cjfa-30902	329	56	m	m	PROPN
cjfa-30902	329	57	od	od	PROPN
cjfa-30902	329	58	el	el	PROPN
cjfa-30902	329	59	3	3	NUM
cjfa-30902	329	60	c	c	PROPN
cjfa-30902	329	61	ar	ar	PROPN
cjfa-30902	329	62	m	m	PROPN
cjfa-30902	329	63	ed	ed	PROPN
cjfa-30902	329	64	ia	ia	PROPN
cjfa-30902	329	65	tio	tio	PROPN
cjfa-30902	329	66	n	n	INTJ
cjfa-30902	329	67	m	m	PROPN
cjfa-30902	329	68	od	od	PROPN
cjfa-30902	329	69	el	el	PROPN
cjfa-30902	329	70	4	4	NUM
cjfa-30902	329	71	c	c	PROPN
cjfa-30902	329	72	rw	rw	PROPN
cjfa-30902	329	73	m	m	PROPN
cjfa-30902	329	74	ed	ed	PROPN
cjfa-30902	329	75	ia	ia	PROPN
cjfa-30902	329	76	tio	tio	PROPN
cjfa-30902	329	77	n	n	INTJ
cjfa-30902	329	78	m	m	PROPN
cjfa-30902	329	79	od	od	PROPN
cjfa-30902	329	80	el	el	PROPN
cjfa-30902	329	81	5	5	NUM
cjfa-30902	329	82	o	o	NOUN
cjfa-30902	329	83	rw	rw	PROPN
cjfa-30902	329	84	m	m	PROPN
cjfa-30902	329	85	ed	ed	PROPN
cjfa-30902	329	86	ia	ia	PROPN
cjfa-30902	329	87	tio	tio	PROPN
cjfa-30902	329	88	n	n	ADV
cjfa-30902	329	89	ro	ro	X
cjfa-30902	330	1	e	e	X
cjfa-30902	330	2	m	m	VERB
cjfa-30902	330	3	tb	tb	ADP
cjfa-30902	330	4	ca	ca	NOUN
cjfa-30902	330	5	r	r	NOUN
cjfa-30902	330	6	cr	cr	PROPN
cjfa-30902	330	7	w	w	PROPN
cjfa-30902	330	8	o	o	PROPN
cjfa-30902	330	9	rw	rw	NOUN
cjfa-30902	331	1	ro	ro	INTJ
cjfa-30902	331	2	e	e	X
cjfa-30902	331	3	m	m	VERB
cjfa-30902	331	4	tb	tb	ADP
cjfa-30902	331	5	ro	ro	X
cjfa-30902	331	6	e	e	X
cjfa-30902	331	7	m	m	VERB
cjfa-30902	331	8	tb	tb	ADP
cjfa-30902	331	9	ro	ro	X
cjfa-30902	331	10	e	e	X
cjfa-30902	331	11	m	m	VERB
cjfa-30902	331	12	tb	tb	ADP
cjfa-30902	331	13	co	co	X
cjfa-30902	331	14	ef	ef	PROPN
cjfa-30902	331	15	.	.	PUNCT
cjfa-30902	332	1	(	(	PUNCT
cjfa-30902	332	2	p	p	X
cjfa-30902	332	3	-v	-v	PROPN
cjfa-30902	332	4	al	al	PROPN
cjfa-30902	332	5	ue	ue	PROPN
cjfa-30902	332	6	)	)	PUNCT
cjfa-30902	332	7	co	co	VERB
cjfa-30902	332	8	ef	ef	PROPN
cjfa-30902	332	9	.	.	PUNCT
cjfa-30902	333	1	(	(	PUNCT
cjfa-30902	333	2	p	p	X
cjfa-30902	333	3	-v	-v	PROPN
cjfa-30902	333	4	al	al	PROPN
cjfa-30902	333	5	ue	ue	PROPN
cjfa-30902	333	6	)	)	PUNCT
cjfa-30902	333	7	co	co	VERB
cjfa-30902	333	8	ef	ef	PROPN
cjfa-30902	333	9	.	.	PUNCT
cjfa-30902	334	1	(	(	PUNCT
cjfa-30902	334	2	p	p	X
cjfa-30902	334	3	-v	-v	PROPN
cjfa-30902	334	4	al	al	PROPN
cjfa-30902	334	5	ue	ue	PROPN
cjfa-30902	334	6	)	)	PUNCT
cjfa-30902	334	7	co	co	VERB
cjfa-30902	334	8	ef	ef	PROPN
cjfa-30902	334	9	.	.	PUNCT
cjfa-30902	335	1	(	(	PUNCT
cjfa-30902	335	2	p	p	X
cjfa-30902	335	3	-v	-v	PROPN
cjfa-30902	335	4	al	al	PROPN
cjfa-30902	335	5	ue	ue	PROPN
cjfa-30902	335	6	)	)	PUNCT
cjfa-30902	335	7	co	co	VERB
cjfa-30902	335	8	ef	ef	PROPN
cjfa-30902	335	9	.	.	PUNCT
cjfa-30902	336	1	(	(	PUNCT
cjfa-30902	336	2	p	p	X
cjfa-30902	336	3	-v	-v	PROPN
cjfa-30902	336	4	al	al	PROPN
cjfa-30902	336	5	ue	ue	PROPN
cjfa-30902	336	6	)	)	PUNCT
cjfa-30902	336	7	co	co	VERB
cjfa-30902	336	8	ef	ef	PROPN
cjfa-30902	336	9	.	.	PUNCT
cjfa-30902	337	1	(	(	PUNCT
cjfa-30902	337	2	p	p	X
cjfa-30902	337	3	-v	-v	PROPN
cjfa-30902	337	4	al	al	PROPN
cjfa-30902	337	5	ue	ue	PROPN
cjfa-30902	337	6	)	)	PUNCT
cjfa-30902	337	7	co	co	VERB
cjfa-30902	337	8	ef	ef	PROPN
cjfa-30902	337	9	.	.	PUNCT
cjfa-30902	338	1	(	(	PUNCT
cjfa-30902	338	2	p	p	X
cjfa-30902	338	3	-v	-v	PROPN
cjfa-30902	338	4	al	al	PROPN
cjfa-30902	338	5	ue	ue	PROPN
cjfa-30902	338	6	)	)	PUNCT
cjfa-30902	338	7	co	co	VERB
cjfa-30902	338	8	ef	ef	PROPN
cjfa-30902	338	9	.	.	PUNCT
cjfa-30902	339	1	(	(	PUNCT
cjfa-30902	339	2	p	p	X
cjfa-30902	339	3	-v	-v	PROPN
cjfa-30902	339	4	al	al	PROPN
cjfa-30902	339	5	ue	ue	PROPN
cjfa-30902	339	6	)	)	PUNCT
cjfa-30902	339	7	co	co	VERB
cjfa-30902	339	8	ef	ef	PROPN
cjfa-30902	339	9	.	.	PUNCT
cjfa-30902	340	1	(	(	PUNCT
cjfa-30902	340	2	p	p	X
cjfa-30902	340	3	-v	-v	PROPN
cjfa-30902	340	4	al	al	PROPN
cjfa-30902	340	5	ue	ue	PROPN
cjfa-30902	340	6	)	)	PUNCT
cjfa-30902	340	7	co	co	VERB
cjfa-30902	340	8	ef	ef	PROPN
cjfa-30902	340	9	.	.	PUNCT
cjfa-30902	341	1	(	(	PUNCT
cjfa-30902	341	2	p	p	X
cjfa-30902	341	3	-v	-v	PROPN
cjfa-30902	341	4	al	al	PROPN
cjfa-30902	341	5	ue	ue	PROPN
cjfa-30902	341	6	)	)	PUNCT
cjfa-30902	341	7	co	co	VERB
cjfa-30902	341	8	ef	ef	PROPN
cjfa-30902	341	9	.	.	PUNCT
cjfa-30902	342	1	(	(	PUNCT
cjfa-30902	342	2	p	p	X
cjfa-30902	342	3	-v	-v	PROPN
cjfa-30902	342	4	al	al	PROPN
cjfa-30902	342	5	ue	ue	PROPN
cjfa-30902	342	6	)	)	PUNCT
cjfa-30902	342	7	w	w	PROPN
cjfa-30902	342	8	al	al	PROPN
cjfa-30902	342	9	d	d	PROPN
cjfa-30902	342	10	ch	ch	PROPN
cjfa-30902	342	11	i2	i2	PROPN
cjfa-30902	342	12	-t	-t	PUNCT
cjfa-30902	342	13	es	es	ADP
cjfa-30902	342	14	t	t	PROPN
cjfa-30902	342	15	29	29	NUM
cjfa-30902	342	16	.2	.2	NUM
cjfa-30902	342	17	8	8	NUM
cjfa-30902	342	18	*	*	PUNCT
cjfa-30902	342	19	*	*	PUNCT
cjfa-30902	342	20	*	*	PUNCT
cjfa-30902	342	21	43	43	NUM
cjfa-30902	342	22	.1	.1	NUM
cjfa-30902	342	23	0	0	PUNCT
cjfa-30902	342	24	*	*	PUNCT
cjfa-30902	343	1	*	*	PUNCT
cjfa-30902	343	2	*	*	PUNCT
cjfa-30902	343	3	25	25	NUM
cjfa-30902	343	4	2	2	NUM
cjfa-30902	343	5	.	.	X
cjfa-30902	344	1	59	59	NUM
cjfa-30902	345	1	*	*	PUNCT
cjfa-30902	345	2	*	*	PUNCT
cjfa-30902	346	1	*	*	PUNCT
cjfa-30902	346	2	43	43	NUM
cjfa-30902	347	1	.2	.2	NUM
cjfa-30902	347	2	1	1	NUM
cjfa-30902	347	3	*	*	PUNCT
cjfa-30902	347	4	*	*	PUNCT
cjfa-30902	347	5	*	*	PUNCT
cjfa-30902	347	6	15	15	NUM
cjfa-30902	347	7	.7	.7	NUM
cjfa-30902	347	8	9	9	NUM
cjfa-30902	347	9	*	*	PUNCT
cjfa-30902	347	10	*	*	PUNCT
cjfa-30902	348	1	*	*	PUNCT
cjfa-30902	348	2	77	77	NUM
cjfa-30902	348	3	.8	.8	NUM
cjfa-30902	348	4	7	7	NUM
cjfa-30902	348	5	*	*	PUNCT
cjfa-30902	348	6	*	*	PUNCT
cjfa-30902	348	7	*	*	PUNCT
cjfa-30902	348	8	16	16	NUM
cjfa-30902	348	9	7	7	NUM
cjfa-30902	348	10	.	.	PUNCT
cjfa-30902	348	11	63	63	NUM
cjfa-30902	349	1	*	*	PUNCT
cjfa-30902	349	2	*	*	PUNCT
cjfa-30902	350	1	*	*	PUNCT
cjfa-30902	350	2	45	45	NUM
cjfa-30902	350	3	.8	.8	NUM
cjfa-30902	350	4	6	6	NUM
cjfa-30902	350	5	*	*	PUNCT
cjfa-30902	350	6	*	*	PUNCT
cjfa-30902	350	7	*	*	PUNCT
cjfa-30902	350	8	h	h	INTJ
cjfa-30902	350	9	om	om	PROPN
cjfa-30902	350	10	og	og	INTJ
cjfa-30902	350	11	en	en	INTJ
cjfa-30902	350	12	ei	ei	X
cjfa-30902	350	13	ty	ty	INTJ
cjfa-30902	350	14	te	te	PROPN
cjfa-30902	350	15	st	st	PROPN
cjfa-30902	350	16	1	1	NUM
cjfa-30902	350	17	.	.	PUNCT
cjfa-30902	350	18	94	94	NUM
cjfa-30902	350	19	*	*	PUNCT
cjfa-30902	350	20	7	7	NUM
cjfa-30902	350	21	.	.	X
cjfa-30902	350	22	23	23	NUM
cjfa-30902	351	1	*	*	PUNCT
cjfa-30902	351	2	*	*	PUNCT
cjfa-30902	352	1	*	*	PUNCT
cjfa-30902	352	2	10	10	NUM
cjfa-30902	352	3	.4	.4	NUM
cjfa-30902	352	4	5	5	NUM
cjfa-30902	352	5	*	*	PUNCT
cjfa-30902	352	6	*	*	PUNCT
cjfa-30902	352	7	*	*	NOUN
cjfa-30902	352	8	0	0	NUM
cjfa-30902	352	9	.	.	NUM
cjfa-30902	352	10	94	94	NUM
cjfa-30902	353	1	16	16	NUM
cjfa-30902	353	2	.1	.1	NUM
cjfa-30902	353	3	3	3	NUM
cjfa-30902	353	4	*	*	PUNCT
cjfa-30902	353	5	*	*	PUNCT
cjfa-30902	353	6	*	*	PUNCT
cjfa-30902	353	7	1	1	NUM
cjfa-30902	353	8	.	.	NUM
cjfa-30902	353	9	89	89	NUM
cjfa-30902	353	10	*	*	SYM
cjfa-30902	353	11	6	6	NUM
cjfa-30902	353	12	.	.	NOUN
cjfa-30902	353	13	91	91	NUM
cjfa-30902	354	1	*	*	PUNCT
cjfa-30902	354	2	*	*	PUNCT
cjfa-30902	354	3	*	*	PUNCT
cjfa-30902	354	4	1	1	NUM
cjfa-30902	354	5	.	.	X
cjfa-30902	354	6	74	74	NUM
cjfa-30902	354	7	*	*	SYM
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cjfa-30902	354	10	00	00	PUNCT
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cjfa-30902	356	3	1	1	NUM
cjfa-30902	356	4	.	.	NOUN
cjfa-30902	356	5	39	39	NUM
cjfa-30902	356	6	4	4	NUM
cjfa-30902	356	7	.	.	PUNCT
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cjfa-30902	357	5	h	h	NOUN
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cjfa-30902	358	5	.	.	NOUN
cjfa-30902	358	6	86	86	NUM
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cjfa-30902	358	8	.	.	PUNCT
cjfa-30902	358	9	80	80	NUM
cjfa-30902	358	10	1	1	NUM
cjfa-30902	358	11	.	.	PUNCT
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cjfa-30902	358	13	6	6	NUM
cjfa-30902	358	14	.	.	PUNCT
cjfa-30902	358	15	84	84	NUM
cjfa-30902	358	16	2	2	NUM
cjfa-30902	358	17	.	.	PUNCT
cjfa-30902	358	18	56	56	NUM
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cjfa-30902	358	20	.	.	X
cjfa-30902	358	21	54	54	NUM
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cjfa-30902	358	23	.3	.3	NUM
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cjfa-30902	358	25	*	*	SYM
cjfa-30902	358	26	*	*	PUNCT
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cjfa-30902	358	32	re	re	X
cjfa-30902	358	33	po	po	PROPN
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cjfa-30902	358	36	re	re	VERB
cjfa-30902	358	37	re	re	X
cjfa-30902	358	38	re	re	VERB
cjfa-30902	358	39	re	re	VERB
cjfa-30902	358	40	re	re	VERB
cjfa-30902	358	41	po	po	PROPN
cjfa-30902	358	42	ol	ol	PROPN
cjfa-30902	358	43	ed	ed	PROPN
cjfa-30902	358	44	fe	fe	PROPN
cjfa-30902	358	45	h	h	NOUN
cjfa-30902	358	46	et	et	PROPN
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cjfa-30902	359	9	st	st	PROPN
cjfa-30902	359	10	3	3	NUM
cjfa-30902	359	11	.	.	NOUN
cjfa-30902	359	12	07	07	NUM
cjfa-30902	359	13	*	*	SYM
cjfa-30902	359	14	2	2	NUM
cjfa-30902	359	15	.	.	SYM
cjfa-30902	359	16	34	34	NUM
cjfa-30902	359	17	1	1	NUM
cjfa-30902	359	18	.	.	NUM
cjfa-30902	359	19	40	40	NUM
cjfa-30902	359	20	6	6	NUM
cjfa-30902	359	21	.	.	PUNCT
cjfa-30902	360	1	36	36	NUM
cjfa-30902	360	2	*	*	PUNCT
cjfa-30902	360	3	*	*	PUNCT
cjfa-30902	360	4	0	0	NUM
cjfa-30902	360	5	.	.	NUM
cjfa-30902	360	6	22	22	NUM
cjfa-30902	360	7	43	43	NUM
cjfa-30902	360	8	.1	.1	NUM
cjfa-30902	360	9	3	3	NUM
cjfa-30902	360	10	*	*	PUNCT
cjfa-30902	360	11	*	*	PUNCT
cjfa-30902	360	12	*	*	PUNCT
cjfa-30902	360	13	26	26	NUM
cjfa-30902	360	14	.7	.7	NUM
cjfa-30902	360	15	2	2	NUM
cjfa-30902	360	16	*	*	PUNCT
cjfa-30902	360	17	*	*	PUNCT
cjfa-30902	360	18	*	*	PUNCT
cjfa-30902	360	19	4	4	NUM
cjfa-30902	360	20	.	.	X
cjfa-30902	360	21	86	86	NUM
cjfa-30902	361	1	*	*	PUNCT
cjfa-30902	361	2	*	*	PROPN
cjfa-30902	362	1	1	1	NUM
cjfa-30902	362	2	.	.	NUM
cjfa-30902	362	3	27	27	NUM
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cjfa-30902	362	5	.7	.7	NUM
cjfa-30902	362	6	1	1	NUM
cjfa-30902	362	7	*	*	PUNCT
cjfa-30902	362	8	*	*	PUNCT
cjfa-30902	362	9	*	*	PUNCT
cjfa-30902	363	1	4	4	NUM
cjfa-30902	363	2	.	.	NOUN
cjfa-30902	364	1	84	84	NUM
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cjfa-30902	365	3	w	w	ADP
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cjfa-30902	365	6	dg	dg	ADP
cjfa-30902	365	7	e	e	PROPN
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cjfa-30902	365	9	st	st	PROPN
cjfa-30902	365	10	0	0	PROPN
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cjfa-30902	365	14	.0	.0	NUM
cjfa-30902	365	15	9	9	NUM
cjfa-30902	365	16	*	*	PUNCT
cjfa-30902	365	17	*	*	PUNCT
cjfa-30902	365	18	*	*	PUNCT
cjfa-30902	366	1	2	2	NUM
cjfa-30902	366	2	.	.	NOUN
cjfa-30902	366	3	29	29	NUM
cjfa-30902	366	4	29	29	NUM
cjfa-30902	366	5	.8	.8	NUM
cjfa-30902	366	6	82	82	NUM
cjfa-30902	367	1	*	*	PUNCT
cjfa-30902	367	2	*	*	PUNCT
cjfa-30902	367	3	*	*	PUNCT
cjfa-30902	367	4	8	8	NUM
cjfa-30902	367	5	.	.	X
cjfa-30902	368	1	34	34	NUM
cjfa-30902	369	1	*	*	PUNCT
cjfa-30902	369	2	*	*	NOUN
cjfa-30902	369	3	0	0	NUM
cjfa-30902	369	4	.	.	X
cjfa-30902	370	1	73	73	NUM
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cjfa-30902	370	3	.7	.7	NUM
cjfa-30902	370	4	3	3	NUM
cjfa-30902	370	5	*	*	PUNCT
cjfa-30902	370	6	*	*	PUNCT
cjfa-30902	370	7	*	*	PUNCT
cjfa-30902	370	8	12	12	NUM
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cjfa-30902	370	10	0	0	PUNCT
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cjfa-30902	371	1	*	*	PUNCT
cjfa-30902	371	2	*	*	PUNCT
cjfa-30902	371	3	17	17	NUM
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cjfa-30902	372	2	6	6	NUM
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cjfa-30902	372	5	*	*	NOUN
cjfa-30902	372	6	0	0	NUM
cjfa-30902	372	7	.	.	NUM
cjfa-30902	372	8	06	06	NUM
cjfa-30902	372	9	4	4	NUM
cjfa-30902	372	10	17	17	NUM
cjfa-30902	372	11	.3	.3	NUM
cjfa-30902	372	12	5	5	NUM
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cjfa-30902	372	15	*	*	PUNCT
cjfa-30902	372	16	rsq	rsq	PROPN
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cjfa-30902	372	25	.	.	PUNCT
cjfa-30902	373	1	13	13	NUM
cjfa-30902	373	2	07	07	NUM
cjfa-30902	373	3	0	0	NUM
cjfa-30902	373	4	.	.	PUNCT
cjfa-30902	373	5	11	11	NUM
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cjfa-30902	373	7	0	0	NUM
cjfa-30902	373	8	.	.	PUNCT
cjfa-30902	373	9	00	00	NUM
cjfa-30902	374	1	49	49	NUM
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cjfa-30902	374	3	.	.	PUNCT
cjfa-30902	375	1	22	22	NUM
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cjfa-30902	375	4	.	.	PUNCT
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cjfa-30902	375	8	.	.	PUNCT
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cjfa-30902	375	12	.	.	PUNCT
cjfa-30902	376	1	17	17	NUM
cjfa-30902	376	2	24	24	NUM
cjfa-30902	376	3	0	0	NUM
cjfa-30902	376	4	.	.	PUNCT
cjfa-30902	377	1	23	23	NUM
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cjfa-30902	377	3	0	0	NUM
cjfa-30902	377	4	.	.	X
cjfa-30902	378	1	24	24	NUM
cjfa-30902	378	2	05	05	NUM
cjfa-30902	378	3	0	0	NUM
cjfa-30902	378	4	.	.	PUNCT
cjfa-30902	379	1	33	33	NUM
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cjfa-30902	379	11	.	.	PUNCT
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cjfa-30902	379	19	.	.	PUNCT
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cjfa-30902	380	7	.	.	PUNCT
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cjfa-30902	380	11	.	.	PUNCT
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cjfa-30902	381	4	.	.	PUNCT
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cjfa-30902	382	4	.	.	PUNCT
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cjfa-30902	383	4	.	.	PUNCT
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cjfa-30902	384	4	.	.	PUNCT
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cjfa-30902	386	12	:	:	PUNCT
cjfa-30902	386	13	*	*	PUNCT
cjfa-30902	387	1	*	*	PUNCT
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cjfa-30902	388	4	0	0	NUM
cjfa-30902	388	5	.	.	NUM
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cjfa-30902	390	5	.	.	NOUN
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cjfa-30902	397	1	f	f	X
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cjfa-30902	398	7	o	o	PROPN
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cjfa-30902	398	24	:	:	PUNCT
cjfa-30902	398	25	a	a	DET
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cjfa-30902	399	7	2	2	NUM
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cjfa-30902	399	10	.	.	PUNCT
cjfa-30902	400	1	ta	ta	X
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cjfa-30902	400	5	.	.	PUNCT
cjfa-30902	401	1	r	r	NOUN
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cjfa-30902	401	13	 	 	SPACE
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cjfa-30902	401	17	j.	j.	PROPN
cjfa-30902	401	18	(	(	PUNCT
cjfa-30902	401	19	2017	2017	NUM
cjfa-30902	401	20	)	)	PUNCT
cjfa-30902	401	21	.	.	PUNCT
cjfa-30902	402	1	the	the	DET
cjfa-30902	402	2	impact	impact	NOUN
cjfa-30902	402	3	of	of	ADP
cjfa-30902	402	4	financial	financial	ADJ
cjfa-30902	402	5	innovations	innovation	NOUN
cjfa-30902	402	6	on	on	ADP
cjfa-30902	402	7	the	the	DET
cjfa-30902	402	8	financial	financial	ADJ
cjfa-30902	402	9	industry	industry	NOUN
cjfa-30902	402	10	’s	’s	PART
cjfa-30902	402	11	performance	performance	NOUN
cjfa-30902	402	12	:	:	PUNCT
cjfa-30902	402	13	a	a	DET
cjfa-30902	402	14	study	study	NOUN
cjfa-30902	402	15	of	of	ADP
cjfa-30902	402	16	brics	bric	NOUN
cjfa-30902	402	17	and	and	CCONJ
cjfa-30902	402	18	g6	g6	ADJ
cjfa-30902	402	19	nations	nation	NOUN
cjfa-30902	402	20	.	.	PUNCT
cjfa-30902	403	1	international	international	ADJ
cjfa-30902	403	2	journal	journal	PROPN
cjfa-30902	403	3	of	of	ADP
cjfa-30902	403	4	economics	economic	NOUN
cjfa-30902	403	5	,	,	PUNCT
cjfa-30902	403	6	commerce	commerce	NOUN
cjfa-30902	403	7	and	and	CCONJ
cjfa-30902	403	8	management	management	NOUN
cjfa-30902	403	9	,	,	PUNCT
cjfa-30902	403	10	7(11	7(11	NUM
cjfa-30902	403	11	)	)	PUNCT
cjfa-30902	403	12	,	,	PUNCT
cjfa-30902	403	13	138	138	NUM
cjfa-30902	403	14	-	-	SYM
cjfa-30902	403	15	152	152	NUM
cjfa-30902	403	16	.	.	PUNCT
cjfa-30902	404	1	arnaboldi	arnaboldi	PROPN
cjfa-30902	404	2	,	,	PUNCT
cjfa-30902	404	3	f.	f.	PROPN
cjfa-30902	404	4	,	,	PUNCT
cjfa-30902	404	5	&	&	CCONJ
cjfa-30902	404	6	rossignoli	rossignoli	PROPN
cjfa-30902	404	7	,	,	PUNCT
cjfa-30902	404	8	b.	b.	PROPN
cjfa-30902	404	9	(	(	PUNCT
cjfa-30902	404	10	2015	2015	NUM
cjfa-30902	404	11	)	)	PUNCT
cjfa-30902	404	12	.	.	PUNCT
cjfa-30902	405	1	financial	financial	ADJ
cjfa-30902	405	2	innovation	innovation	NOUN
cjfa-30902	405	3	in	in	ADP
cjfa-30902	405	4	banking	banking	NOUN
cjfa-30902	405	5	.	.	PUNCT
cjfa-30902	406	1	in	in	ADP
cjfa-30902	406	2	e.	e.	PROPN
cjfa-30902	406	3	beccalli	beccalli	PROPN
cjfa-30902	406	4	,	,	PUNCT
cjfa-30902	406	5	f.	f.	PROPN
cjfa-30902	406	6	poli	poli	PROPN
cjfa-30902	406	7	(	(	PUNCT
cjfa-30902	406	8	eds	ed	NOUN
cjfa-30902	406	9	.	.	PUNCT
cjfa-30902	406	10	)	)	PUNCT
cjfa-30902	406	11	.	.	PUNCT
cjfa-30902	407	1	bank	bank	NOUN
cjfa-30902	407	2	risk	risk	NOUN
cjfa-30902	407	3	,	,	PUNCT
cjfa-30902	407	4	governance	governance	NOUN
cjfa-30902	407	5	and	and	CCONJ
cjfa-30902	407	6	regulation	regulation	NOUN
cjfa-30902	407	7	.	.	PUNCT
cjfa-30902	408	1	palgrave	palgrave	PROPN
cjfa-30902	408	2	macmillan	macmillan	PROPN
cjfa-30902	408	3	studies	study	NOUN
cjfa-30902	408	4	in	in	ADP
cjfa-30902	408	5	banking	banking	NOUN
cjfa-30902	408	6	and	and	CCONJ
cjfa-30902	408	7	financial	financial	ADJ
cjfa-30902	408	8	institutions	institution	NOUN
cjfa-30902	408	9	.	.	PUNCT
cjfa-30902	409	1	london	london	PROPN
cjfa-30902	409	2	:	:	PUNCT
cjfa-30902	409	3	palgrave	palgrave	PROPN
cjfa-30902	409	4	macmillan	macmillan	PROPN
cjfa-30902	409	5	.	.	PUNCT
cjfa-30902	410	1	https://dx.doi	https://dx.doi	PROPN
cjfa-30902	410	2	.	.	PUNCT
cjfa-30902	411	1	org/10.1057/9781137530943_5	org/10.1057/9781137530943_5	PROPN
cjfa-30902	411	2	.	.	PUNCT
cjfa-30902	411	3	arthur	arthur	PROPN
cjfa-30902	411	4	,	,	PUNCT
cjfa-30902	411	5	k.n.a	k.n.a	PROPN
cjfa-30902	411	6	(	(	PUNCT
cjfa-30902	411	7	2017	2017	NUM
cjfa-30902	411	8	)	)	PUNCT
cjfa-30902	411	9	.	.	PUNCT
cjfa-30902	412	1	the	the	DET
cjfa-30902	412	2	emerging	emerge	VERB
cjfa-30902	412	3	financial	financial	ADJ
cjfa-30902	412	4	innovation	innovation	NOUN
cjfa-30902	412	5	and	and	CCONJ
cjfa-30902	412	6	its	its	PRON
cjfa-30902	412	7	governance	governance	NOUN
cjfa-30902	412	8	:	:	PUNCT
cjfa-30902	412	9	a	a	DET
cjfa-30902	412	10	historical	historical	ADJ
cjfa-30902	412	11	literature	literature	NOUN
cjfa-30902	412	12	review	review	PROPN
cjfa-30902	412	13	.	.	PUNCT
cjfa-30902	413	1	journal	journal	PROPN
cjfa-30902	413	2	of	of	ADP
cjfa-30902	413	3	innovation	innovation	NOUN
cjfa-30902	413	4	management	management	NOUN
cjfa-30902	413	5	,	,	PUNCT
cjfa-30902	413	6	5(4	5(4	NUM
cjfa-30902	413	7	)	)	PUNCT
cjfa-30902	413	8	,	,	PUNCT
cjfa-30902	413	9	48	48	NUM
cjfa-30902	413	10	-	-	SYM
cjfa-30902	413	11	73	73	NUM
cjfa-30902	413	12	.	.	PUNCT
cjfa-30902	414	1	https://dx.doi	https://dx.doi	NOUN
cjfa-30902	414	2	.	.	PUNCT
cjfa-30902	415	1	org/10.24840/2183	org/10.24840/2183	PROPN
cjfa-30902	415	2	-	-	PUNCT
cjfa-30902	415	3	0606_005.004_0005	0606_005.004_0005	PROPN
cjfa-30902	415	4	.	.	PUNCT
cjfa-30902	416	1	asensio	asensio	PROPN
cjfa-30902	416	2	-	-	PUNCT
cjfa-30902	416	3	lópez	lópez	PROPN
cjfa-30902	416	4	,	,	PUNCT
cjfa-30902	416	5	d.	d.	PROPN
cjfa-30902	416	6	,	,	PUNCT
cjfa-30902	416	7	cabeza	cabeza	NOUN
cjfa-30902	416	8	-	-	PUNCT
cjfa-30902	416	9	garcía	garcía	ADJ
cjfa-30902	416	10	,	,	PUNCT
cjfa-30902	416	11	l.	l.	PROPN
cjfa-30902	416	12	,	,	PUNCT
cjfa-30902	416	13	&	&	CCONJ
cjfa-30902	416	14	gonzález	gonzález	PROPN
cjfa-30902	416	15	-	-	PUNCT
cjfa-30902	416	16	álvarez	álvarez	PROPN
cjfa-30902	416	17	,	,	PUNCT
cjfa-30902	416	18	n.	n.	NOUN
cjfa-30902	416	19	(	(	PUNCT
cjfa-30902	416	20	2019	2019	NUM
cjfa-30902	416	21	)	)	PUNCT
cjfa-30902	416	22	.	.	PUNCT
cjfa-30902	417	1	corporate	corporate	ADJ
cjfa-30902	417	2	governance	governance	NOUN
cjfa-30902	417	3	and	and	CCONJ
cjfa-30902	417	4	innovation	innovation	NOUN
cjfa-30902	417	5	:	:	PUNCT
cjfa-30902	417	6	a	a	DET
cjfa-30902	417	7	theoretical	theoretical	ADJ
cjfa-30902	417	8	review	review	NOUN
cjfa-30902	417	9	.	.	PUNCT
cjfa-30902	418	1	european	european	PROPN
cjfa-30902	418	2	journal	journal	PROPN
cjfa-30902	418	3	of	of	ADP
cjfa-30902	418	4	management	management	NOUN
cjfa-30902	418	5	and	and	CCONJ
cjfa-30902	418	6	business	business	NOUN
cjfa-30902	418	7	economics	economic	NOUN
cjfa-30902	418	8	,	,	PUNCT
cjfa-30902	418	9	28(3	28(3	NUM
cjfa-30902	418	10	)	)	PUNCT
cjfa-30902	418	11	,	,	PUNCT
cjfa-30902	418	12	266	266	NUM
cjfa-30902	418	13	-	-	SYM
cjfa-30902	418	14	284	284	NUM
cjfa-30902	418	15	.	.	PUNCT
cjfa-30902	419	1	https://dx.doi.org/10.1108/ejmbe-05-2018-0056	https://dx.doi.org/10.1108/ejmbe-05-2018-0056	PROPN
cjfa-30902	419	2	.	.	PUNCT
cjfa-30902	420	1	baiquan	baiquan	PROPN
cjfa-30902	420	2	,	,	PUNCT
cjfa-30902	420	3	s.	s.	PROPN
cjfa-30902	420	4	,	,	PUNCT
cjfa-30902	420	5	&	&	CCONJ
cjfa-30902	420	6	kebao	kebao	PROPN
cjfa-30902	420	7	,	,	PUNCT
cjfa-30902	420	8	w.	w.	PROPN
cjfa-30902	420	9	(	(	PUNCT
cjfa-30902	420	10	2010	2010	NUM
cjfa-30902	420	11	)	)	PUNCT
cjfa-30902	420	12	.	.	PUNCT
cjfa-30902	421	1	managing	manage	VERB
cjfa-30902	421	2	the	the	DET
cjfa-30902	421	3	risks	risk	NOUN
cjfa-30902	421	4	of	of	ADP
cjfa-30902	421	5	financial	financial	ADJ
cjfa-30902	421	6	innovations	innovation	NOUN
cjfa-30902	421	7	in	in	ADP
cjfa-30902	421	8	banking	banking	NOUN
cjfa-30902	421	9	.	.	PUNCT
cjfa-30902	422	1	in	in	ADP
cjfa-30902	422	2	2010	2010	NUM
cjfa-30902	422	3	international	international	ADJ
cjfa-30902	422	4	conference	conference	NOUN
cjfa-30902	422	5	on	on	ADP
cjfa-30902	422	6	management	management	NOUN
cjfa-30902	422	7	and	and	CCONJ
cjfa-30902	422	8	service	service	NOUN
cjfa-30902	422	9	science	science	NOUN
cjfa-30902	422	10	.	.	PUNCT
cjfa-30902	423	1	wuhan	wuhan	PROPN
cjfa-30902	423	2	:	:	PUNCT
cjfa-30902	423	3	institute	institute	NOUN
cjfa-30902	423	4	of	of	ADP
cjfa-30902	423	5	electrical	electrical	ADJ
cjfa-30902	423	6	and	and	CCONJ
cjfa-30902	423	7	electronics	electronic	NOUN
cjfa-30902	423	8	engineers	engineer	NOUN
cjfa-30902	423	9	.	.	PUNCT
cjfa-30902	424	1	https://dx.doi.org/10.1109/icmss.2010.5577186	https://dx.doi.org/10.1109/icmss.2010.5577186	PROPN
cjfa-30902	424	2	.	.	PUNCT
cjfa-30902	424	3	baron	baron	PROPN
cjfa-30902	424	4	,	,	PUNCT
cjfa-30902	424	5	r.m	r.m	PROPN
cjfa-30902	424	6	.	.	PROPN
cjfa-30902	424	7	,	,	PUNCT
cjfa-30902	424	8	&	&	CCONJ
cjfa-30902	424	9	kenny	kenny	PROPN
cjfa-30902	424	10	,	,	PUNCT
cjfa-30902	424	11	d.a	d.a	PROPN
cjfa-30902	424	12	.	.	PROPN
cjfa-30902	424	13	(	(	PUNCT
cjfa-30902	424	14	1986	1986	NUM
cjfa-30902	424	15	)	)	PUNCT
cjfa-30902	424	16	.	.	PUNCT
cjfa-30902	425	1	the	the	DET
cjfa-30902	425	2	moderator	moderator	NOUN
cjfa-30902	425	3	-	-	PUNCT
cjfa-30902	425	4	mediator	mediator	NOUN
cjfa-30902	425	5	variable	variable	ADJ
cjfa-30902	425	6	distinction	distinction	NOUN
cjfa-30902	425	7	in	in	ADP
cjfa-30902	425	8	social	social	ADJ
cjfa-30902	425	9	psychological	psychological	ADJ
cjfa-30902	425	10	research	research	NOUN
cjfa-30902	425	11	:	:	PUNCT
cjfa-30902	425	12	conceptual	conceptual	ADJ
cjfa-30902	425	13	,	,	PUNCT
cjfa-30902	425	14	strategic	strategic	ADJ
cjfa-30902	425	15	and	and	CCONJ
cjfa-30902	425	16	statistical	statistical	ADJ
cjfa-30902	425	17	considerations	consideration	NOUN
cjfa-30902	425	18	.	.	PUNCT
cjfa-30902	426	1	journal	journal	NOUN
cjfa-30902	426	2	of	of	ADP
cjfa-30902	426	3	personality	personality	NOUN
cjfa-30902	426	4	and	and	CCONJ
cjfa-30902	426	5	social	social	ADJ
cjfa-30902	426	6	psychology	psychology	NOUN
cjfa-30902	426	7	,	,	PUNCT
cjfa-30902	426	8	51(6	51(6	NOUN
cjfa-30902	426	9	)	)	PUNCT
cjfa-30902	426	10	,	,	PUNCT
cjfa-30902	426	11	1173	1173	NUM
cjfa-30902	426	12	-	-	SYM
cjfa-30902	426	13	1182	1182	NUM
cjfa-30902	426	14	.	.	PUNCT
cjfa-30902	427	1	https://dx.doi	https://dx.doi	NOUN
cjfa-30902	427	2	.	.	PUNCT
cjfa-30902	428	1	org/10.1037//0022	org/10.1037//0022	NOUN
cjfa-30902	428	2	-	-	NOUN
cjfa-30902	428	3	3514.51.6.1173	3514.51.6.1173	NUM
cjfa-30902	428	4	.	.	PUNCT
cjfa-30902	429	1	battaglia	battaglia	PROPN
cjfa-30902	429	2	,	,	PUNCT
cjfa-30902	429	3	f.	f.	PROPN
cjfa-30902	429	4	,	,	PUNCT
cjfa-30902	429	5	fiordelisi	fiordelisi	PROPN
cjfa-30902	429	6	,	,	PUNCT
cjfa-30902	429	7	f.	f.	PROPN
cjfa-30902	429	8	,	,	PUNCT
cjfa-30902	429	9	&	&	CCONJ
cjfa-30902	429	10	ricci	ricci	PROPN
cjfa-30902	429	11	,	,	PUNCT
cjfa-30902	429	12	o.	o.	PROPN
cjfa-30902	429	13	(	(	PUNCT
cjfa-30902	429	14	2017	2017	NUM
cjfa-30902	429	15	)	)	PUNCT
cjfa-30902	429	16	.	.	PUNCT
cjfa-30902	430	1	enterprise	enterprise	NOUN
cjfa-30902	430	2	risk	risk	NOUN
cjfa-30902	430	3	management	management	NOUN
cjfa-30902	430	4	and	and	CCONJ
cjfa-30902	430	5	bank	bank	NOUN
cjfa-30902	430	6	performance	performance	NOUN
cjfa-30902	430	7	:	:	PUNCT
cjfa-30902	430	8	evidence	evidence	NOUN
cjfa-30902	430	9	from	from	ADP
cjfa-30902	430	10	eastern	eastern	PROPN
cjfa-30902	430	11	europe	europe	PROPN
cjfa-30902	430	12	during	during	ADP
cjfa-30902	430	13	the	the	DET
cjfa-30902	430	14	financial	financial	ADJ
cjfa-30902	430	15	crisis	crisis	NOUN
cjfa-30902	430	16	.	.	PUNCT
cjfa-30902	431	1	in	in	ADP
cjfa-30902	431	2	s.	s.	PROPN
cjfa-30902	431	3	boubaker	boubaker	PROPN
cjfa-30902	431	4	(	(	PUNCT
cjfa-30902	431	5	ed	ed	NOUN
cjfa-30902	431	6	.	.	PUNCT
cjfa-30902	431	7	)	)	PUNCT
cjfa-30902	431	8	.	.	PUNCT
cjfa-30902	432	1	risk	risk	NOUN
cjfa-30902	432	2	management	management	NOUN
cjfa-30902	432	3	in	in	ADP
cjfa-30902	432	4	emerging	emerge	VERB
cjfa-30902	432	5	markets	market	NOUN
cjfa-30902	432	6	,	,	PUNCT
cjfa-30902	432	7	issues	issue	NOUN
cjfa-30902	432	8	,	,	PUNCT
cjfa-30902	432	9	framework	framework	NOUN
cjfa-30902	432	10	,	,	PUNCT
cjfa-30902	432	11	and	and	CCONJ
cjfa-30902	432	12	modeling	modeling	NOUN
cjfa-30902	432	13	.	.	PUNCT
cjfa-30902	433	1	bingley	bingley	PROPN
cjfa-30902	433	2	:	:	PUNCT
cjfa-30902	433	3	emerald	emerald	PROPN
cjfa-30902	433	4	group	group	PROPN
cjfa-30902	433	5	publishing	publishing	PROPN
cjfa-30902	433	6	limited	limit	VERB
cjfa-30902	433	7	.	.	PUNCT
cjfa-30902	434	1	beck	beck	PROPN
cjfa-30902	434	2	,	,	PUNCT
cjfa-30902	434	3	t.	t.	PROPN
cjfa-30902	434	4	,	,	PUNCT
cjfa-30902	434	5	chen	chen	PROPN
cjfa-30902	434	6	,	,	PUNCT
cjfa-30902	434	7	t.	t.	PROPN
cjfa-30902	434	8	,	,	PUNCT
cjfa-30902	434	9	lin	lin	PROPN
cjfa-30902	434	10	,	,	PUNCT
cjfa-30902	434	11	c.	c.	PROPN
cjfa-30902	434	12	,	,	PUNCT
cjfa-30902	434	13	&	&	CCONJ
cjfa-30902	434	14	song	song	PROPN
cjfa-30902	434	15	,	,	PUNCT
cjfa-30902	434	16	f.m	f.m	PROPN
cjfa-30902	434	17	.	.	PROPN
cjfa-30902	434	18	(	(	PUNCT
cjfa-30902	434	19	2016	2016	NUM
cjfa-30902	434	20	)	)	PUNCT
cjfa-30902	434	21	.	.	PUNCT
cjfa-30902	435	1	financial	financial	ADJ
cjfa-30902	435	2	innovation	innovation	NOUN
cjfa-30902	435	3	:	:	PUNCT
cjfa-30902	435	4	the	the	DET
cjfa-30902	435	5	bright	bright	ADJ
cjfa-30902	435	6	and	and	CCONJ
cjfa-30902	435	7	the	the	DET
cjfa-30902	435	8	dark	dark	ADJ
cjfa-30902	435	9	sides	side	NOUN
cjfa-30902	435	10	.	.	PUNCT
cjfa-30902	436	1	journal	journal	NOUN
cjfa-30902	436	2	of	of	ADP
cjfa-30902	436	3	banking	banking	NOUN
cjfa-30902	436	4	and	and	CCONJ
cjfa-30902	436	5	finance	finance	NOUN
cjfa-30902	436	6	,	,	PUNCT
cjfa-30902	436	7	72	72	NUM
cjfa-30902	436	8	,	,	PUNCT
cjfa-30902	436	9	25	25	NUM
cjfa-30902	436	10	-	-	SYM
cjfa-30902	436	11	51	51	NUM
cjfa-30902	436	12	.	.	PUNCT
cjfa-30902	437	1	https://dx.doi.org/10.1016/j	https://dx.doi.org/10.1016/j	PROPN
cjfa-30902	437	2	.	.	PUNCT
cjfa-30902	438	1	jbankfin.2016.06.012	jbankfin.2016.06.012	PROPN
cjfa-30902	438	2	.	.	PUNCT
cjfa-30902	439	1	chen	chen	PROPN
cjfa-30902	439	2	,	,	PUNCT
cjfa-30902	439	3	t.h	t.h	PROPN
cjfa-30902	439	4	.	.	PROPN
cjfa-30902	439	5	,	,	PUNCT
cjfa-30902	439	6	&	&	CCONJ
cjfa-30902	439	7	peng	peng	PROPN
cjfa-30902	439	8	,	,	PUNCT
cjfa-30902	439	9	j.l	j.l	PROPN
cjfa-30902	439	10	.	.	PROPN
cjfa-30902	439	11	(	(	PUNCT
cjfa-30902	439	12	2019	2019	NUM
cjfa-30902	439	13	)	)	PUNCT
cjfa-30902	439	14	.	.	PUNCT
cjfa-30902	440	1	statistical	statistical	ADJ
cjfa-30902	440	2	and	and	CCONJ
cjfa-30902	440	3	bibliometric	bibliometric	ADJ
cjfa-30902	440	4	analysis	analysis	NOUN
cjfa-30902	440	5	of	of	ADP
cjfa-30902	440	6	financial	financial	ADJ
cjfa-30902	440	7	innovation	innovation	NOUN
cjfa-30902	440	8	.	.	PUNCT
cjfa-30902	441	1	library	library	NOUN
cjfa-30902	441	2	hi	hi	INTJ
cjfa-30902	441	3	tech	tech	NOUN
cjfa-30902	441	4	,	,	PUNCT
cjfa-30902	441	5	vol	vol	NOUN
cjfa-30902	441	6	.	.	PUNCT
cjfa-30902	442	1	ahead	ahead	ADV
cjfa-30902	442	2	-	-	PUNCT
cjfa-30902	442	3	of	of	ADP
cjfa-30902	442	4	-	-	PUNCT
cjfa-30902	442	5	print	print	NOUN
cjfa-30902	442	6	no	no	NOUN
cjfa-30902	442	7	.	.	PUNCT
cjfa-30902	443	1	ahead	ahead	ADV
cjfa-30902	443	2	-	-	PUNCT
cjfa-30902	443	3	of	of	ADP
cjfa-30902	443	4	-	-	PUNCT
cjfa-30902	443	5	print	print	NOUN
cjfa-30902	443	6	.	.	PUNCT
cjfa-30902	444	1	https://dx.doi	https://dx.doi	PROPN
cjfa-30902	444	2	.	.	PUNCT
cjfa-30902	445	1	org/10.1108	org/10.1108	PROPN
cjfa-30902	445	2	/	/	SYM
cjfa-30902	445	3	lht-09	lht-09	NOUN
cjfa-30902	445	4	-	-	PUNCT
cjfa-30902	445	5	2018	2018	NUM
cjfa-30902	445	6	-	-	PUNCT
cjfa-30902	445	7	0140	0140	NUM
cjfa-30902	445	8	.	.	PUNCT
cjfa-30902	446	1	chipeta	chipeta	PROPN
cjfa-30902	446	2	,	,	PUNCT
cjfa-30902	446	3	c.	c.	PROPN
cjfa-30902	446	4	,	,	PUNCT
cjfa-30902	446	5	&	&	CCONJ
cjfa-30902	446	6	muthinja	muthinja	NOUN
cjfa-30902	446	7	,	,	PUNCT
cjfa-30902	446	8	m.	m.	NOUN
cjfa-30902	446	9	(	(	PUNCT
cjfa-30902	446	10	2018	2018	NUM
cjfa-30902	446	11	)	)	PUNCT
cjfa-30902	446	12	.	.	PUNCT
cjfa-30902	447	1	financial	financial	ADJ
cjfa-30902	447	2	innovations	innovation	NOUN
cjfa-30902	447	3	and	and	CCONJ
cjfa-30902	447	4	bank	bank	NOUN
cjfa-30902	447	5	performance	performance	NOUN
cjfa-30902	447	6	in	in	ADP
cjfa-30902	447	7	kenya	kenya	PROPN
cjfa-30902	447	8	:	:	PUNCT
cjfa-30902	447	9	evidence	evidence	NOUN
cjfa-30902	447	10	from	from	ADP
cjfa-30902	447	11	branchless	branchless	ADJ
cjfa-30902	447	12	banking	banking	NOUN
cjfa-30902	447	13	models	model	NOUN
cjfa-30902	447	14	.	.	PUNCT
cjfa-30902	448	1	south	south	ADJ
cjfa-30902	448	2	african	african	ADJ
cjfa-30902	448	3	journal	journal	PROPN
cjfa-30902	448	4	of	of	ADP
cjfa-30902	448	5	economic	economic	ADJ
cjfa-30902	448	6	and	and	CCONJ
cjfa-30902	448	7	management	management	NOUN
cjfa-30902	448	8	sciences	science	NOUN
cjfa-30902	448	9	,	,	PUNCT
cjfa-30902	448	10	21(1	21(1	NUM
cjfa-30902	448	11	)	)	PUNCT
cjfa-30902	448	12	,	,	PUNCT
cjfa-30902	448	13	1	1	NUM
cjfa-30902	448	14	-	-	SYM
cjfa-30902	448	15	11	11	NUM
cjfa-30902	448	16	.	.	PUNCT
cjfa-30902	449	1	http://dx.doi.org/10.4102/sajems.v21i1.1681	http://dx.doi.org/10.4102/sajems.v21i1.1681	PROPN
cjfa-30902	449	2	.	.	PUNCT
cjfa-30902	450	1	ciciretti	ciciretti	PROPN
cjfa-30902	450	2	,	,	PUNCT
cjfa-30902	450	3	r.	r.	PROPN
cjfa-30902	450	4	,	,	PUNCT
cjfa-30902	450	5	hasan	hasan	PROPN
cjfa-30902	450	6	,	,	PUNCT
cjfa-30902	450	7	i.	i.	PROPN
cjfa-30902	450	8	,	,	PUNCT
cjfa-30902	450	9	&	&	CCONJ
cjfa-30902	450	10	zazzara	zazzara	PROPN
cjfa-30902	450	11	,	,	PUNCT
cjfa-30902	450	12	c.	c.	PROPN
cjfa-30902	450	13	(	(	PUNCT
cjfa-30902	450	14	2009	2009	NUM
cjfa-30902	450	15	)	)	PUNCT
cjfa-30902	450	16	.	.	PUNCT
cjfa-30902	451	1	do	do	AUX
cjfa-30902	451	2	internet	internet	NOUN
cjfa-30902	451	3	activities	activity	NOUN
cjfa-30902	451	4	add	add	VERB
cjfa-30902	451	5	value	value	NOUN
cjfa-30902	451	6	?	?	PUNCT
cjfa-30902	452	1	evidence	evidence	NOUN
cjfa-30902	452	2	from	from	ADP
cjfa-30902	452	3	the	the	DET
cjfa-30902	452	4	traditional	traditional	ADJ
cjfa-30902	452	5	banks	bank	NOUN
cjfa-30902	452	6	.	.	PUNCT
cjfa-30902	453	1	journal	journal	PROPN
cjfa-30902	453	2	of	of	ADP
cjfa-30902	453	3	financial	financial	ADJ
cjfa-30902	453	4	services	service	NOUN
cjfa-30902	453	5	research	research	NOUN
cjfa-30902	453	6	,	,	PUNCT
cjfa-30902	453	7	35(1	35(1	NUM
cjfa-30902	453	8	)	)	PUNCT
cjfa-30902	453	9	,	,	PUNCT
cjfa-30902	453	10	81	81	NUM
cjfa-30902	453	11	-	-	SYM
cjfa-30902	453	12	98	98	NUM
cjfa-30902	453	13	.	.	PUNCT
cjfa-30902	454	1	https://dx.doi.org/10.1007/s10693-008-0039-2	https://dx.doi.org/10.1007/s10693-008-0039-2	PUNCT
cjfa-30902	454	2	.	.	PUNCT
cjfa-30902	455	1	coso	coso	PROPN
cjfa-30902	455	2	executive	executive	PROPN
cjfa-30902	455	3	summary	summary	NOUN
cjfa-30902	455	4	(	(	PUNCT
cjfa-30902	455	5	2004	2004	NUM
cjfa-30902	455	6	)	)	PUNCT
cjfa-30902	455	7	.	.	PUNCT
cjfa-30902	456	1	enterprise	enterprise	NOUN
cjfa-30902	456	2	risk	risk	NOUN
cjfa-30902	456	3	management	management	NOUN
cjfa-30902	456	4	—	—	PUNCT
cjfa-30902	456	5	integrated	integrate	VERB
cjfa-30902	456	6	framework	framework	NOUN
cjfa-30902	456	7	,	,	PUNCT
cjfa-30902	456	8	new	new	PROPN
cjfa-30902	456	9	york	york	PROPN
cjfa-30902	456	10	,	,	PUNCT
cjfa-30902	456	11	3	3	NUM
cjfa-30902	456	12	,	,	PUNCT
cjfa-30902	456	13	1	1	NUM
cjfa-30902	456	14	-	-	SYM
cjfa-30902	456	15	16	16	NUM
cjfa-30902	456	16	.	.	PUNCT
cjfa-30902	457	1	https://www.coso.org/documents/coso-erm-executivesummary.pdf	https://www.coso.org/documents/coso-erm-executivesummary.pdf	PROPN
cjfa-30902	457	2	.	.	PUNCT
cjfa-30902	458	1	financial	financial	ADJ
cjfa-30902	458	2	innovation	innovation	NOUN
cjfa-30902	458	3	,	,	PUNCT
cjfa-30902	458	4	risk	risk	NOUN
cjfa-30902	458	5	management	management	NOUN
cjfa-30902	458	6	,	,	PUNCT
cjfa-30902	458	7	and	and	CCONJ
cjfa-30902	458	8	bank	bank	NOUN
cjfa-30902	458	9	performance	performance	NOUN
cjfa-30902	458	10	97	97	NUM
cjfa-30902	458	11	de	de	X
cjfa-30902	458	12	young	young	PROPN
cjfa-30902	458	13	,	,	PUNCT
cjfa-30902	458	14	r.	r.	PROPN
cjfa-30902	458	15	,	,	PUNCT
cjfa-30902	458	16	lang	lang	PROPN
cjfa-30902	458	17	,	,	PUNCT
cjfa-30902	458	18	w.w	w.w	PROPN
cjfa-30902	458	19	.	.	PROPN
cjfa-30902	458	20	,	,	PUNCT
cjfa-30902	458	21	&	&	CCONJ
cjfa-30902	458	22	nolle	nolle	PROPN
cjfa-30902	458	23	,	,	PUNCT
cjfa-30902	458	24	d.l	d.l	PROPN
cjfa-30902	458	25	.	.	PROPN
cjfa-30902	458	26	(	(	PUNCT
cjfa-30902	458	27	2007	2007	NUM
cjfa-30902	458	28	)	)	PUNCT
cjfa-30902	458	29	.	.	PUNCT
cjfa-30902	459	1	how	how	SCONJ
cjfa-30902	459	2	the	the	DET
cjfa-30902	459	3	internet	internet	NOUN
cjfa-30902	459	4	affects	affect	VERB
cjfa-30902	459	5	output	output	NOUN
cjfa-30902	459	6	and	and	CCONJ
cjfa-30902	459	7	performance	performance	NOUN
cjfa-30902	459	8	at	at	ADP
cjfa-30902	459	9	community	community	NOUN
cjfa-30902	459	10	banks	bank	NOUN
cjfa-30902	459	11	.	.	PUNCT
cjfa-30902	460	1	journal	journal	NOUN
cjfa-30902	460	2	of	of	ADP
cjfa-30902	460	3	banking	banking	NOUN
cjfa-30902	460	4	and	and	CCONJ
cjfa-30902	460	5	finance	finance	NOUN
cjfa-30902	460	6	,	,	PUNCT
cjfa-30902	460	7	31(4	31(4	NUM
cjfa-30902	460	8	)	)	PUNCT
cjfa-30902	460	9	,	,	PUNCT
cjfa-30902	460	10	1033	1033	NUM
cjfa-30902	460	11	-	-	SYM
cjfa-30902	460	12	1060	1060	NUM
cjfa-30902	460	13	.	.	PUNCT
cjfa-30902	461	1	https://dx.doi.org/10.1016/j.jbankfin.2006.10.003	https://dx.doi.org/10.1016/j.jbankfin.2006.10.003	PROPN
cjfa-30902	461	2	.	.	PROPN
cjfa-30902	461	3	el	el	PROPN
cjfa-30902	461	4	attar	attar	PROPN
cjfa-30902	461	5	,	,	PUNCT
cjfa-30902	461	6	a.	a.	PROPN
cjfa-30902	461	7	,	,	PUNCT
cjfa-30902	461	8	&	&	CCONJ
cjfa-30902	461	9	atmani	atmani	PROPN
cjfa-30902	461	10	,	,	PUNCT
cjfa-30902	461	11	m.	m.	NOUN
cjfa-30902	461	12	(	(	PUNCT
cjfa-30902	461	13	2015	2015	NUM
cjfa-30902	461	14	)	)	PUNCT
cjfa-30902	461	15	.	.	PUNCT
cjfa-30902	462	1	la	la	PROPN
cjfa-30902	462	2	gestion	gestion	PROPN
cjfa-30902	462	3	des	des	X
cjfa-30902	462	4	risques	risques	PROPN
cjfa-30902	462	5	des	des	PROPN
cjfa-30902	462	6	produits	produit	NOUN
cjfa-30902	462	7	financiers	financier	NOUN
cjfa-30902	462	8	islamiques	islamique	NOUN
cjfa-30902	462	9	:	:	PUNCT
cjfa-30902	462	10	essai	essai	PROPN
cjfa-30902	462	11	de	de	X
cjfa-30902	462	12	modélisation	modélisation	NOUN
cjfa-30902	462	13	.	.	PUNCT
cjfa-30902	463	1	dossiers	dossier	NOUN
cjfa-30902	463	2	de	de	ADP
cjfa-30902	463	3	recherches	recherches	X
cjfa-30902	463	4	en	en	X
cjfa-30902	463	5	economie	economie	PROPN
cjfa-30902	463	6	et	et	PROPN
cjfa-30902	463	7	gestion	gestion	PROPN
cjfa-30902	463	8	,	,	PUNCT
cjfa-30902	463	9	2(4	2(4	NUM
cjfa-30902	463	10	)	)	PUNCT
cjfa-30902	463	11	,	,	PUNCT
cjfa-30902	463	12	2	2	NUM
cjfa-30902	463	13	-	-	SYM
cjfa-30902	463	14	29	29	NUM
cjfa-30902	463	15	.	.	PUNCT
cjfa-30902	464	1	http://dx.doi.org/10.12816/0030990	http://dx.doi.org/10.12816/0030990	NOUN
cjfa-30902	464	2	.	.	PUNCT
cjfa-30902	465	1	european	european	PROPN
cjfa-30902	465	2	central	central	PROPN
cjfa-30902	465	3	bank	bank	PROPN
cjfa-30902	465	4	(	(	PUNCT
cjfa-30902	465	5	2010	2010	NUM
cjfa-30902	465	6	)	)	PUNCT
cjfa-30902	465	7	.	.	PUNCT
cjfa-30902	466	1	beyond	beyond	ADP
cjfa-30902	466	2	roe	roe	PROPN
cjfa-30902	466	3	–	–	PUNCT
cjfa-30902	466	4	how	how	SCONJ
cjfa-30902	466	5	to	to	PART
cjfa-30902	466	6	measure	measure	VERB
cjfa-30902	466	7	bank	bank	NOUN
cjfa-30902	466	8	performance	performance	NOUN
cjfa-30902	466	9	,	,	PUNCT
cjfa-30902	466	10	european	european	PROPN
cjfa-30902	466	11	central	central	PROPN
cjfa-30902	466	12	bank	bank	NOUN
cjfa-30902	466	13	,	,	PUNCT
cjfa-30902	466	14	appendix	appendix	VERB
cjfa-30902	466	15	to	to	ADP
cjfa-30902	466	16	the	the	DET
cjfa-30902	466	17	report	report	NOUN
cjfa-30902	466	18	on	on	ADP
cjfa-30902	466	19	eu	eu	PROPN
cjfa-30902	466	20	banking	banking	NOUN
cjfa-30902	466	21	structures	structure	NOUN
cjfa-30902	466	22	,	,	PUNCT
cjfa-30902	466	23	https://	https://	PROPN
cjfa-30902	466	24	www.ecb.europa.eu/pub/pdf/other/beyondroehowtomeasurebankperformance	www.ecb.europa.eu/pub/pdf/other/beyondroehowtomeasurebankperformance	NUM
cjfa-30902	466	25	201009en.pdf	201009en.pdf	NUM
cjfa-30902	466	26	.	.	PUNCT
cjfa-30902	467	1	fatemi	fatemi	PROPN
cjfa-30902	467	2	,	,	PUNCT
cjfa-30902	467	3	a.	a.	NOUN
cjfa-30902	467	4	,	,	PUNCT
cjfa-30902	467	5	&	&	CCONJ
cjfa-30902	467	6	fooladi	fooladi	PROPN
cjfa-30902	467	7	,	,	PUNCT
cjfa-30902	467	8	i.	i.	NOUN
cjfa-30902	467	9	(	(	PUNCT
cjfa-30902	467	10	2006	2006	NUM
cjfa-30902	467	11	)	)	PUNCT
cjfa-30902	467	12	.	.	PUNCT
cjfa-30902	468	1	credit	credit	NOUN
cjfa-30902	468	2	risk	risk	NOUN
cjfa-30902	468	3	management	management	NOUN
cjfa-30902	468	4	:	:	PUNCT
cjfa-30902	468	5	a	a	DET
cjfa-30902	468	6	survey	survey	NOUN
cjfa-30902	468	7	of	of	ADP
cjfa-30902	468	8	practices	practice	NOUN
cjfa-30902	468	9	.	.	PUNCT
cjfa-30902	469	1	managerial	managerial	ADJ
cjfa-30902	469	2	finance	finance	NOUN
cjfa-30902	469	3	,	,	PUNCT
cjfa-30902	469	4	32(3	32(3	NUM
cjfa-30902	469	5	)	)	PUNCT
cjfa-30902	469	6	,	,	PUNCT
cjfa-30902	469	7	227	227	NUM
cjfa-30902	469	8	-	-	SYM
cjfa-30902	469	9	233	233	NUM
cjfa-30902	469	10	.	.	PUNCT
cjfa-30902	469	11	https://dx.doi.org/10.1108/03074350610646735	https://dx.doi.org/10.1108/03074350610646735	NOUN
cjfa-30902	469	12	.	.	PUNCT
cjfa-30902	470	1	frame	frame	NOUN
cjfa-30902	470	2	,	,	PUNCT
cjfa-30902	470	3	w.s	w.s	PROPN
cjfa-30902	470	4	.	.	PROPN
cjfa-30902	470	5	,	,	PUNCT
cjfa-30902	470	6	&	&	CCONJ
cjfa-30902	470	7	white	white	PROPN
cjfa-30902	470	8	,	,	PUNCT
cjfa-30902	470	9	l.j	l.j	PROPN
cjfa-30902	470	10	.	.	PROPN
cjfa-30902	470	11	(	(	PUNCT
cjfa-30902	470	12	2002	2002	NUM
cjfa-30902	470	13	)	)	PUNCT
cjfa-30902	470	14	.	.	PUNCT
cjfa-30902	471	1	empirical	empirical	ADJ
cjfa-30902	471	2	studies	study	NOUN
cjfa-30902	471	3	of	of	ADP
cjfa-30902	471	4	financial	financial	ADJ
cjfa-30902	471	5	innovation	innovation	NOUN
cjfa-30902	471	6	:	:	PUNCT
cjfa-30902	471	7	lots	lot	NOUN
cjfa-30902	471	8	of	of	ADP
cjfa-30902	471	9	talk	talk	NOUN
cjfa-30902	471	10	,	,	PUNCT
cjfa-30902	471	11	little	little	ADJ
cjfa-30902	471	12	action	action	NOUN
cjfa-30902	471	13	.	.	PUNCT
cjfa-30902	472	1	frb	frb	NOUN
cjfa-30902	472	2	of	of	ADP
cjfa-30902	472	3	atlanta	atlanta	PROPN
cjfa-30902	472	4	working	working	PROPN
cjfa-30902	472	5	paper	paper	NOUN
cjfa-30902	472	6	,	,	PUNCT
cjfa-30902	472	7	2002	2002	NUM
cjfa-30902	472	8	-	-	SYM
cjfa-30902	472	9	12	12	NUM
cjfa-30902	472	10	.	.	PUNCT
cjfa-30902	473	1	http://dx.doi.org/10.2139/	http://dx.doi.org/10.2139/	PUNCT
cjfa-30902	474	1	ssrn.325800	ssrn.325800	PROPN
cjfa-30902	474	2	.	.	PUNCT
cjfa-30902	475	1	gonzález	gonzález	PROPN
cjfa-30902	475	2	,	,	PUNCT
cjfa-30902	475	3	l.o	l.o	PROPN
cjfa-30902	475	4	.	.	PROPN
cjfa-30902	475	5	,	,	PUNCT
cjfa-30902	475	6	rodríguez	rodríguez	PROPN
cjfa-30902	475	7	gil	gil	PROPN
cjfa-30902	475	8	,	,	PUNCT
cjfa-30902	475	9	l.i	l.i	PROPN
cjfa-30902	475	10	.	.	PROPN
cjfa-30902	475	11	,	,	PUNCT
cjfa-30902	475	12	cunill	cunill	PROPN
cjfa-30902	475	13	,	,	PUNCT
cjfa-30902	475	14	o.m	o.m	PROPN
cjfa-30902	475	15	.	.	PROPN
cjfa-30902	475	16	,	,	PUNCT
cjfa-30902	475	17	&	&	CCONJ
cjfa-30902	475	18	lindahl	lindahl	PROPN
cjfa-30902	475	19	,	,	PUNCT
cjfa-30902	475	20	j.m	j.m	PROPN
cjfa-30902	475	21	.	.	PROPN
cjfa-30902	475	22	(	(	PUNCT
cjfa-30902	475	23	2016	2016	NUM
cjfa-30902	475	24	)	)	PUNCT
cjfa-30902	475	25	.	.	PUNCT
cjfa-30902	476	1	the	the	DET
cjfa-30902	476	2	effect	effect	NOUN
cjfa-30902	476	3	of	of	ADP
cjfa-30902	476	4	financial	financial	ADJ
cjfa-30902	476	5	innovation	innovation	NOUN
cjfa-30902	476	6	on	on	ADP
cjfa-30902	476	7	european	european	ADJ
cjfa-30902	476	8	banks	bank	NOUN
cjfa-30902	476	9	’	'	PUNCT
cjfa-30902	476	10	risk	risk	NOUN
cjfa-30902	476	11	.	.	PUNCT
cjfa-30902	477	1	journal	journal	NOUN
cjfa-30902	477	2	of	of	ADP
cjfa-30902	477	3	business	business	NOUN
cjfa-30902	477	4	research	research	NOUN
cjfa-30902	477	5	,	,	PUNCT
cjfa-30902	477	6	69(11	69(11	NOUN
cjfa-30902	477	7	)	)	PUNCT
cjfa-30902	477	8	,	,	PUNCT
cjfa-30902	477	9	4781	4781	NUM
cjfa-30902	477	10	-4786	-4786	NOUN
cjfa-30902	477	11	.	.	PUNCT
cjfa-30902	478	1	https://dx.doi.org/10.1016/j.jbusres.2016.04.030	https://dx.doi.org/10.1016/j.jbusres.2016.04.030	PROPN
cjfa-30902	478	2	.	.	PUNCT
cjfa-30902	479	1	guermazi	guermazi	PROPN
cjfa-30902	479	2	,	,	PUNCT
cjfa-30902	479	3	h.h	h.h	PROPN
cjfa-30902	479	4	.	.	PROPN
cjfa-30902	479	5	(	(	PUNCT
cjfa-30902	479	6	2017	2017	NUM
cjfa-30902	479	7	)	)	PUNCT
cjfa-30902	479	8	.	.	PUNCT
cjfa-30902	480	1	effet	effet	PROPN
cjfa-30902	480	2	médiateur	médiateur	PROPN
cjfa-30902	480	3	de	de	X
cjfa-30902	480	4	la	la	X
cjfa-30902	480	5	gestion	gestion	X
cjfa-30902	480	6	de	de	X
cjfa-30902	480	7	risque	risque	X
cjfa-30902	480	8	et	et	PROPN
cjfa-30902	480	9	du	du	PROPN
cjfa-30902	480	10	style	style	PROPN
cjfa-30902	480	11	de	de	X
cjfa-30902	480	12	direction	direction	NOUN
cjfa-30902	480	13	sur	sur	PROPN
cjfa-30902	480	14	la	la	PROPN
cjfa-30902	480	15	relation	relation	NOUN
cjfa-30902	480	16	innovation	innovation	NOUN
cjfa-30902	480	17	–	–	PUNCT
cjfa-30902	480	18	qualité	qualité	X
cjfa-30902	480	19	du	du	PROPN
cjfa-30902	480	20	service	service	PROPN
cjfa-30902	480	21	:	:	PUNCT
cjfa-30902	480	22	étude	étude	PROPN
cjfa-30902	480	23	des	des	PROPN
cjfa-30902	480	24	assurances	assurances	PROPN
cjfa-30902	480	25	et	et	PROPN
cjfa-30902	480	26	des	des	PROPN
cjfa-30902	480	27	banques	banques	PROPN
cjfa-30902	480	28	en	en	PROPN
cjfa-30902	480	29	tunisie	tunisie	PROPN
cjfa-30902	480	30	.	.	PUNCT
cjfa-30902	481	1	revue	revue	PROPN
cjfa-30902	481	2	questions	question	NOUN
cjfa-30902	481	3	de	de	ADP
cjfa-30902	481	4	management	management	NOUN
cjfa-30902	481	5	,	,	PUNCT
cjfa-30902	481	6	18(3	18(3	NUM
cjfa-30902	481	7	)	)	PUNCT
cjfa-30902	481	8	,	,	PUNCT
cjfa-30902	481	9	113	113	NUM
cjfa-30902	481	10	-	-	SYM
cjfa-30902	481	11	124	124	NUM
cjfa-30902	481	12	.	.	PUNCT
cjfa-30902	482	1	https://dx.doi	https://dx.doi	NOUN
cjfa-30902	482	2	.	.	PUNCT
cjfa-30902	483	1	org/10.3917	org/10.3917	NOUN
cjfa-30902	483	2	/	/	SYM
cjfa-30902	483	3	qdm.173.0113	qdm.173.0113	PROPN
cjfa-30902	483	4	.	.	PUNCT
cjfa-30902	484	1	halim	halim	PROPN
cjfa-30902	484	2	,	,	PUNCT
cjfa-30902	484	3	e.h	e.h	PROPN
cjfa-30902	484	4	.	.	PROPN
cjfa-30902	484	5	,	,	PUNCT
cjfa-30902	484	6	mustika	mustika	PROPN
cjfa-30902	484	7	,	,	PUNCT
cjfa-30902	484	8	g.	g.	PROPN
cjfa-30902	484	9	,	,	PUNCT
cjfa-30902	484	10	sari	sari	NOUN
cjfa-30902	484	11	,	,	PUNCT
cjfa-30902	484	12	r.n	r.n	PROPN
cjfa-30902	484	13	.	.	PROPN
cjfa-30902	484	14	,	,	PUNCT
cjfa-30902	484	15	anugerah	anugerah	PROPN
cjfa-30902	484	16	,	,	PUNCT
cjfa-30902	484	17	r.	r.	PROPN
cjfa-30902	484	18	,	,	PUNCT
cjfa-30902	484	19	&	&	CCONJ
cjfa-30902	484	20	mohd	mohd	PROPN
cjfa-30902	484	21	-	-	PUNCT
cjfa-30902	484	22	sanusi	sanusi	PROPN
cjfa-30902	484	23	,	,	PUNCT
cjfa-30902	484	24	z.	z.	PROPN
cjfa-30902	484	25	(	(	PUNCT
cjfa-30902	484	26	2017	2017	NUM
cjfa-30902	484	27	)	)	PUNCT
cjfa-30902	484	28	.	.	PUNCT
cjfa-30902	485	1	corporate	corporate	ADJ
cjfa-30902	485	2	governance	governance	NOUN
cjfa-30902	485	3	practices	practice	NOUN
cjfa-30902	485	4	and	and	CCONJ
cjfa-30902	485	5	financial	financial	ADJ
cjfa-30902	485	6	performance	performance	NOUN
cjfa-30902	485	7	:	:	PUNCT
cjfa-30902	485	8	the	the	DET
cjfa-30902	485	9	mediating	mediate	VERB
cjfa-30902	485	10	effect	effect	NOUN
cjfa-30902	485	11	of	of	ADP
cjfa-30902	485	12	risk	risk	NOUN
cjfa-30902	485	13	management	management	NOUN
cjfa-30902	485	14	committee	committee	NOUN
cjfa-30902	485	15	at	at	ADP
cjfa-30902	485	16	manufacturing	manufacturing	NOUN
cjfa-30902	485	17	firms	firm	NOUN
cjfa-30902	485	18	.	.	PUNCT
cjfa-30902	486	1	journal	journal	PROPN
cjfa-30902	486	2	of	of	ADP
cjfa-30902	486	3	international	international	ADJ
cjfa-30902	486	4	studies	study	NOUN
cjfa-30902	486	5	,	,	PUNCT
cjfa-30902	486	6	10(4	10(4	NUM
cjfa-30902	486	7	)	)	PUNCT
cjfa-30902	486	8	,	,	PUNCT
cjfa-30902	486	9	272	272	NUM
cjfa-30902	486	10	-	-	SYM
cjfa-30902	486	11	289	289	NUM
cjfa-30902	486	12	.	.	PUNCT
cjfa-30902	487	1	http://dx.doi.org/10.14254/2071-8330.2017/10-4/21	http://dx.doi.org/10.14254/2071-8330.2017/10-4/21	NOUN
cjfa-30902	487	2	.	.	PUNCT
cjfa-30902	488	1	heffernan	heffernan	PROPN
cjfa-30902	488	2	,	,	PUNCT
cjfa-30902	488	3	s.	s.	PROPN
cjfa-30902	488	4	,	,	PUNCT
cjfa-30902	488	5	fu	fu	PROPN
cjfa-30902	488	6	,	,	PUNCT
cjfa-30902	488	7	x.	x.	NOUN
cjfa-30902	488	8	,	,	PUNCT
cjfa-30902	488	9	&	&	CCONJ
cjfa-30902	488	10	fu	fu	PROPN
cjfa-30902	488	11	,	,	PUNCT
cjfa-30902	488	12	m.	m.	NOUN
cjfa-30902	488	13	(	(	PUNCT
cjfa-30902	488	14	2008	2008	NUM
cjfa-30902	488	15	)	)	PUNCT
cjfa-30902	488	16	.	.	PUNCT
cjfa-30902	489	1	financial	financial	ADJ
cjfa-30902	489	2	innovation	innovation	NOUN
cjfa-30902	489	3	in	in	ADP
cjfa-30902	489	4	the	the	DET
cjfa-30902	489	5	uk	uk	PROPN
cjfa-30902	489	6	.	.	PROPN
cjfa-30902	489	7	faculty	faculty	NOUN
cjfa-30902	489	8	of	of	ADP
cjfa-30902	489	9	finance	finance	NOUN
cjfa-30902	489	10	working	working	NOUN
cjfa-30902	489	11	paper	paper	NOUN
cjfa-30902	489	12	,	,	PUNCT
cjfa-30902	489	13	4	4	NUM
cjfa-30902	489	14	.	.	PUNCT
cjfa-30902	489	15	http://dx.doi.org/10.2139/ssrn.1266125	http://dx.doi.org/10.2139/ssrn.1266125	NOUN
cjfa-30902	489	16	.	.	PUNCT
cjfa-30902	490	1	hosna	hosna	PROPN
cjfa-30902	490	2	,	,	PUNCT
cjfa-30902	490	3	a.	a.	NOUN
cjfa-30902	490	4	,	,	PUNCT
cjfa-30902	490	5	manzura	manzura	PROPN
cjfa-30902	490	6	,	,	PUNCT
cjfa-30902	490	7	b.	b.	PROPN
cjfa-30902	490	8	,	,	PUNCT
cjfa-30902	490	9	&	&	CCONJ
cjfa-30902	490	10	juanjuan	juanjuan	PROPN
cjfa-30902	490	11	,	,	PUNCT
cjfa-30902	490	12	s.	s.	PROPN
cjfa-30902	490	13	(	(	PUNCT
cjfa-30902	490	14	2009	2009	NUM
cjfa-30902	490	15	)	)	PUNCT
cjfa-30902	490	16	.	.	PUNCT
cjfa-30902	491	1	credit	credit	NOUN
cjfa-30902	491	2	risk	risk	NOUN
cjfa-30902	491	3	management	management	NOUN
cjfa-30902	491	4	and	and	CCONJ
cjfa-30902	491	5	profitability	profitability	NOUN
cjfa-30902	491	6	in	in	ADP
cjfa-30902	491	7	commercial	commercial	ADJ
cjfa-30902	491	8	banks	bank	NOUN
cjfa-30902	491	9	in	in	ADP
cjfa-30902	491	10	sweden	sweden	PROPN
cjfa-30902	491	11	.	.	PUNCT
cjfa-30902	492	1	gothenburg	gothenburg	PROPN
cjfa-30902	492	2	:	:	PUNCT
cjfa-30902	492	3	university	university	NOUN
cjfa-30902	492	4	of	of	ADP
cjfa-30902	492	5	gothenburg	gothenburg	PROPN
cjfa-30902	492	6	.	.	PUNCT
cjfa-30902	493	1	hu	hu	PROPN
cjfa-30902	493	2	,	,	PUNCT
cjfa-30902	493	3	d.-l	d.-l	PROPN
cjfa-30902	493	4	.	.	PUNCT
cjfa-30902	493	5	,	,	PUNCT
cjfa-30902	493	6	li	li	PROPN
cjfa-30902	493	7	j.-q	j.-q	PROPN
cjfa-30902	493	8	.	.	PUNCT
cjfa-30902	493	9	,	,	PUNCT
cjfa-30902	493	10	&	&	CCONJ
cjfa-30902	493	11	deng	deng	PROPN
cjfa-30902	493	12	,	,	PUNCT
cjfa-30902	493	13	y.h	y.h	PROPN
cjfa-30902	493	14	.	.	PROPN
cjfa-30902	493	15	(	(	PUNCT
cjfa-30902	493	16	2009	2009	NUM
cjfa-30902	493	17	)	)	PUNCT
cjfa-30902	493	18	.	.	PUNCT
cjfa-30902	494	1	notice	notice	NOUN
cjfa-30902	494	2	of	of	ADP
cjfa-30902	494	3	retraction	retraction	NOUN
cjfa-30902	494	4	:	:	PUNCT
cjfa-30902	494	5	insighting	insighte	VERB
cjfa-30902	494	6	the	the	DET
cjfa-30902	494	7	risk	risk	NOUN
cjfa-30902	494	8	management	management	NOUN
cjfa-30902	494	9	of	of	ADP
cjfa-30902	494	10	financial	financial	ADJ
cjfa-30902	494	11	innovation	innovation	NOUN
cjfa-30902	494	12	from	from	ADP
cjfa-30902	494	13	the	the	DET
cjfa-30902	494	14	viewpoint	viewpoint	NOUN
cjfa-30902	494	15	of	of	ADP
cjfa-30902	494	16	subprime	subprime	ADJ
cjfa-30902	494	17	mortgage	mortgage	NOUN
cjfa-30902	494	18	crisis	crisis	NOUN
cjfa-30902	494	19	.	.	PUNCT
cjfa-30902	495	1	in	in	ADP
cjfa-30902	495	2	international	international	ADJ
cjfa-30902	495	3	conference	conference	NOUN
cjfa-30902	495	4	on	on	ADP
cjfa-30902	495	5	management	management	NOUN
cjfa-30902	495	6	and	and	CCONJ
cjfa-30902	495	7	service	service	NOUN
cjfa-30902	495	8	science	science	NOUN
cjfa-30902	495	9	wuhan	wuhan	PROPN
cjfa-30902	495	10	:	:	PUNCT
cjfa-30902	495	11	institute	institute	NOUN
cjfa-30902	495	12	of	of	ADP
cjfa-30902	495	13	electrical	electrical	ADJ
cjfa-30902	495	14	and	and	CCONJ
cjfa-30902	495	15	electronics	electronic	NOUN
cjfa-30902	495	16	engineers	engineer	NOUN
cjfa-30902	495	17	.	.	PUNCT
cjfa-30902	496	1	http://dx.doi.org/10.1109/icmss.2009.5301359	http://dx.doi.org/10.1109/icmss.2009.5301359	PROPN
cjfa-30902	496	2	.	.	PUNCT
cjfa-30902	497	1	hu	hu	PROPN
cjfa-30902	497	2	,	,	PUNCT
cjfa-30902	497	3	t.	t.	PROPN
cjfa-30902	497	4	,	,	PUNCT
cjfa-30902	497	5	&	&	CCONJ
cjfa-30902	497	6	xie	xie	PROPN
cjfa-30902	497	7	,	,	PUNCT
cjfa-30902	497	8	c.	c.	PROPN
cjfa-30902	497	9	(	(	PUNCT
cjfa-30902	497	10	2016	2016	NUM
cjfa-30902	497	11	)	)	PUNCT
cjfa-30902	497	12	.	.	PUNCT
cjfa-30902	498	1	competition	competition	NOUN
cjfa-30902	498	2	,	,	PUNCT
cjfa-30902	498	3	innovation	innovation	NOUN
cjfa-30902	498	4	,	,	PUNCT
cjfa-30902	498	5	risk	risk	NOUN
cjfa-30902	498	6	-	-	PUNCT
cjfa-30902	498	7	taking	taking	NOUN
cjfa-30902	498	8	,	,	PUNCT
cjfa-30902	498	9	and	and	CCONJ
cjfa-30902	498	10	profitability	profitability	NOUN
cjfa-30902	498	11	in	in	ADP
cjfa-30902	498	12	the	the	DET
cjfa-30902	498	13	chinese	chinese	ADJ
cjfa-30902	498	14	banking	banking	NOUN
cjfa-30902	498	15	sector	sector	NOUN
cjfa-30902	498	16	:	:	PUNCT
cjfa-30902	498	17	an	an	DET
cjfa-30902	498	18	empirical	empirical	ADJ
cjfa-30902	498	19	analysis	analysis	NOUN
cjfa-30902	498	20	based	base	VERB
cjfa-30902	498	21	on	on	ADP
cjfa-30902	498	22	structural	structural	ADJ
cjfa-30902	498	23	equation	equation	NOUN
cjfa-30902	498	24	modeling	modeling	NOUN
cjfa-30902	498	25	.	.	PUNCT
cjfa-30902	499	1	discrete	discrete	ADJ
cjfa-30902	499	2	dynamics	dynamic	NOUN
cjfa-30902	499	3	in	in	ADP
cjfa-30902	499	4	nature	nature	NOUN
cjfa-30902	499	5	and	and	CCONJ
cjfa-30902	499	6	society	society	NOUN
cjfa-30902	499	7	.	.	PUNCT
cjfa-30902	500	1	6	6	NUM
cjfa-30902	500	2	,	,	PUNCT
cjfa-30902	500	3	1	1	NUM
cjfa-30902	500	4	-	-	SYM
cjfa-30902	500	5	10	10	NUM
cjfa-30902	500	6	.	.	PUNCT
cjfa-30902	501	1	http://dx.doi	http://dx.doi	NOUN
cjfa-30902	501	2	.	.	PUNCT
cjfa-30902	502	1	org/10.1155/2016/3695379	org/10.1155/2016/3695379	PROPN
cjfa-30902	502	2	.	.	PUNCT
cjfa-30902	503	1	jordan	jordan	PROPN
cjfa-30902	503	2	,	,	PUNCT
cjfa-30902	503	3	s.	s.	PROPN
cjfa-30902	503	4	,	,	PUNCT
cjfa-30902	503	5	jorgensen	jorgensen	PROPN
cjfa-30902	503	6	,	,	PUNCT
cjfa-30902	503	7	l.	l.	PROPN
cjfa-30902	503	8	,	,	PUNCT
cjfa-30902	503	9	&	&	CCONJ
cjfa-30902	503	10	mitterhoferh	mitterhoferh	PROPN
cjfa-30902	503	11	,	,	PUNCT
cjfa-30902	503	12	h.	h.	PROPN
cjfa-30902	503	13	(	(	PUNCT
cjfa-30902	503	14	2013	2013	NUM
cjfa-30902	503	15	)	)	PUNCT
cjfa-30902	503	16	.	.	PUNCT
cjfa-30902	504	1	performing	perform	VERB
cjfa-30902	504	2	risk	risk	NOUN
cjfa-30902	504	3	and	and	CCONJ
cjfa-30902	504	4	the	the	DET
cjfa-30902	504	5	project	project	NOUN
cjfa-30902	504	6	:	:	PUNCT
cjfa-30902	504	7	risk	risk	NOUN
cjfa-30902	504	8	maps	map	NOUN
cjfa-30902	504	9	as	as	ADP
cjfa-30902	504	10	mediating	mediate	VERB
cjfa-30902	504	11	instruments	instrument	NOUN
cjfa-30902	504	12	.	.	PUNCT
cjfa-30902	505	1	management	management	NOUN
cjfa-30902	505	2	accounting	accounting	NOUN
cjfa-30902	505	3	research	research	NOUN
cjfa-30902	505	4	,	,	PUNCT
cjfa-30902	505	5	24(2	24(2	NUM
cjfa-30902	505	6	)	)	PUNCT
cjfa-30902	505	7	,	,	PUNCT
cjfa-30902	505	8	156	156	NUM
cjfa-30902	505	9	-	-	SYM
cjfa-30902	505	10	174	174	NUM
cjfa-30902	505	11	.	.	PUNCT
cjfa-30902	506	1	https://dx.doi.org/10.1016/j.mar.2013.04.009	https://dx.doi.org/10.1016/j.mar.2013.04.009	PROPN
cjfa-30902	506	2	.	.	PUNCT
cjfa-30902	507	1	khraisha	khraisha	PROPN
cjfa-30902	507	2	,	,	PUNCT
cjfa-30902	507	3	t.	t.	PROPN
cjfa-30902	507	4	,	,	PUNCT
cjfa-30902	507	5	&	&	CCONJ
cjfa-30902	507	6	arthur	arthur	PROPN
cjfa-30902	507	7	,	,	PUNCT
cjfa-30902	507	8	k.	k.	PROPN
cjfa-30902	507	9	(	(	PUNCT
cjfa-30902	507	10	2018	2018	NUM
cjfa-30902	507	11	)	)	PUNCT
cjfa-30902	507	12	.	.	PUNCT
cjfa-30902	508	1	can	can	AUX
cjfa-30902	508	2	we	we	PRON
cjfa-30902	508	3	have	have	VERB
cjfa-30902	508	4	a	a	DET
cjfa-30902	508	5	general	general	ADJ
cjfa-30902	508	6	theory	theory	NOUN
cjfa-30902	508	7	of	of	ADP
cjfa-30902	508	8	financial	financial	ADJ
cjfa-30902	508	9	innovation	innovation	NOUN
cjfa-30902	508	10	processes	process	NOUN
cjfa-30902	508	11	?	?	PUNCT
cjfa-30902	509	1	a	a	DET
cjfa-30902	509	2	conceptual	conceptual	ADJ
cjfa-30902	509	3	review	review	NOUN
cjfa-30902	509	4	.	.	PUNCT
cjfa-30902	510	1	financial	financial	ADJ
cjfa-30902	510	2	innovation	innovation	NOUN
cjfa-30902	510	3	,	,	PUNCT
cjfa-30902	510	4	4(4	4(4	NUM
cjfa-30902	510	5	)	)	PUNCT
cjfa-30902	510	6	,	,	PUNCT
cjfa-30902	510	7	1	1	NUM
cjfa-30902	510	8	-	-	SYM
cjfa-30902	510	9	27	27	NUM
cjfa-30902	510	10	.	.	PUNCT
cjfa-30902	511	1	https://dx.doi	https://dx.doi	NOUN
cjfa-30902	511	2	.	.	PUNCT
cjfa-30902	512	1	org/10.1186	org/10.1186	PROPN
cjfa-30902	512	2	/	/	SYM
cjfa-30902	512	3	s40854	s40854	PROPN
cjfa-30902	512	4	-	-	PUNCT
cjfa-30902	512	5	018	018	NUM
cjfa-30902	512	6	-	-	PUNCT
cjfa-30902	512	7	0088	0088	NUM
cjfa-30902	512	8	-	-	PUNCT
cjfa-30902	512	9	y.	y.	NOUN
cjfa-30902	512	10	ghazi	ghazi	PROPN
cjfa-30902	512	11	zouari	zouari	PROPN
cjfa-30902	512	12	,	,	PUNCT
cjfa-30902	512	13	imen	imen	PROPN
cjfa-30902	512	14	abdelmalek98	abdelmalek98	PROPN
cjfa-30902	512	15	kiambati	kiambati	PROPN
cjfa-30902	512	16	,	,	PUNCT
cjfa-30902	512	17	k.	k.	PROPN
cjfa-30902	512	18	(	(	PUNCT
cjfa-30902	512	19	2020	2020	NUM
cjfa-30902	512	20	)	)	PUNCT
cjfa-30902	512	21	.	.	PUNCT
cjfa-30902	513	1	influence	influence	NOUN
cjfa-30902	513	2	of	of	ADP
cjfa-30902	513	3	credit	credit	NOUN
cjfa-30902	513	4	risk	risk	NOUN
cjfa-30902	513	5	on	on	ADP
cjfa-30902	513	6	shareholder	shareholder	NOUN
cjfa-30902	513	7	market	market	NOUN
cjfa-30902	513	8	value	value	NOUN
cjfa-30902	513	9	of	of	ADP
cjfa-30902	513	10	commercial	commercial	ADJ
cjfa-30902	513	11	banks	bank	NOUN
cjfa-30902	513	12	listed	list	VERB
cjfa-30902	513	13	in	in	ADP
cjfa-30902	513	14	nairobi	nairobi	PROPN
cjfa-30902	513	15	securities	securities	PROPN
cjfa-30902	513	16	exchange	exchange	PROPN
cjfa-30902	513	17	.	.	PUNCT
cjfa-30902	514	1	international	international	ADJ
cjfa-30902	514	2	journal	journal	PROPN
cjfa-30902	514	3	of	of	ADP
cjfa-30902	514	4	research	research	NOUN
cjfa-30902	514	5	in	in	ADP
cjfa-30902	514	6	business	business	NOUN
cjfa-30902	514	7	and	and	CCONJ
cjfa-30902	514	8	social	social	ADJ
cjfa-30902	514	9	science	science	NOUN
cjfa-30902	514	10	(	(	PUNCT
cjfa-30902	514	11	2147	2147	NUM
cjfa-30902	514	12	-	-	SYM
cjfa-30902	514	13	4478	4478	NUM
cjfa-30902	514	14	)	)	PUNCT
cjfa-30902	514	15	,	,	PUNCT
cjfa-30902	514	16	9(2	9(2	NUM
cjfa-30902	514	17	)	)	PUNCT
cjfa-30902	514	18	,	,	PUNCT
cjfa-30902	514	19	107	107	NUM
cjfa-30902	514	20	-	-	SYM
cjfa-30902	514	21	117	117	NUM
cjfa-30902	514	22	.	.	PUNCT
cjfa-30902	515	1	http://dx.doi.org/10.20525/	http://dx.doi.org/10.20525/	PROPN
cjfa-30902	515	2	ijrbs.v9i2.613	ijrbs.v9i2.613	PROPN
cjfa-30902	515	3	.	.	PROPN
cjfa-30902	515	4	lerner	lerner	PROPN
cjfa-30902	515	5	,	,	PUNCT
cjfa-30902	515	6	j.	j.	PROPN
cjfa-30902	515	7	,	,	PUNCT
cjfa-30902	515	8	&	&	CCONJ
cjfa-30902	515	9	tufano	tufano	ADJ
cjfa-30902	515	10	,	,	PUNCT
cjfa-30902	515	11	p.	p.	NOUN
cjfa-30902	515	12	(	(	PUNCT
cjfa-30902	515	13	2011	2011	NUM
cjfa-30902	515	14	)	)	PUNCT
cjfa-30902	515	15	.	.	PUNCT
cjfa-30902	516	1	the	the	DET
cjfa-30902	516	2	consequences	consequence	NOUN
cjfa-30902	516	3	of	of	ADP
cjfa-30902	516	4	financial	financial	ADJ
cjfa-30902	516	5	innovation	innovation	NOUN
cjfa-30902	516	6	:	:	PUNCT
cjfa-30902	516	7	a	a	DET
cjfa-30902	516	8	counterfactual	counterfactual	ADJ
cjfa-30902	516	9	research	research	NOUN
cjfa-30902	516	10	agenda	agenda	NOUN
cjfa-30902	516	11	.	.	PUNCT
cjfa-30902	517	1	annual	annual	ADJ
cjfa-30902	517	2	review	review	NOUN
cjfa-30902	517	3	of	of	ADP
cjfa-30902	517	4	financial	financial	ADJ
cjfa-30902	517	5	economics	economic	NOUN
cjfa-30902	517	6	,	,	PUNCT
cjfa-30902	517	7	3(1	3(1	NUM
cjfa-30902	517	8	)	)	PUNCT
cjfa-30902	517	9	,	,	PUNCT
cjfa-30902	517	10	41	41	NUM
cjfa-30902	517	11	-	-	SYM
cjfa-30902	517	12	85	85	NUM
cjfa-30902	517	13	.	.	PUNCT
cjfa-30902	518	1	https://	https://	PROPN
cjfa-30902	518	2	dx.doi.org/10.1146/annurev.financial.050808.114326	dx.doi.org/10.1146/annurev.financial.050808.114326	NOUN
cjfa-30902	518	3	.	.	PUNCT
cjfa-30902	518	4	llewellyn	llewellyn	PROPN
cjfa-30902	518	5	,	,	PUNCT
cjfa-30902	518	6	d.t	d.t	PROPN
cjfa-30902	518	7	.	.	PUNCT
cjfa-30902	518	8	(	(	PUNCT
cjfa-30902	518	9	2009	2009	NUM
cjfa-30902	518	10	)	)	PUNCT
cjfa-30902	518	11	.	.	PUNCT
cjfa-30902	519	1	financial	financial	ADJ
cjfa-30902	519	2	innovation	innovation	NOUN
cjfa-30902	519	3	and	and	CCONJ
cjfa-30902	519	4	the	the	DET
cjfa-30902	519	5	economics	economic	NOUN
cjfa-30902	519	6	of	of	ADP
cjfa-30902	519	7	banking	banking	NOUN
cjfa-30902	519	8	and	and	CCONJ
cjfa-30902	519	9	the	the	DET
cjfa-30902	519	10	financial	financial	ADJ
cjfa-30902	519	11	system	system	NOUN
cjfa-30902	519	12	.	.	PUNCT
cjfa-30902	520	1	in	in	ADP
cjfa-30902	520	2	l.	l.	PROPN
cjfa-30902	520	3	anderloni	anderloni	PROPN
cjfa-30902	520	4	,	,	PUNCT
cjfa-30902	520	5	d.t	d.t	PROPN
cjfa-30902	520	6	.	.	PROPN
cjfa-30902	520	7	llewellyn	llewellyn	PROPN
cjfa-30902	520	8	,	,	PUNCT
cjfa-30902	520	9	r.h	r.h	PROPN
cjfa-30902	520	10	.	.	PROPN
cjfa-30902	520	11	schmidt	schmidt	PROPN
cjfa-30902	520	12	(	(	PUNCT
cjfa-30902	520	13	eds	ed	NOUN
cjfa-30902	520	14	.	.	PUNCT
cjfa-30902	520	15	)	)	PUNCT
cjfa-30902	520	16	.	.	PUNCT
cjfa-30902	521	1	financial	financial	ADJ
cjfa-30902	521	2	innovation	innovation	NOUN
cjfa-30902	521	3	in	in	ADP
cjfa-30902	521	4	retail	retail	ADJ
cjfa-30902	521	5	and	and	CCONJ
cjfa-30902	521	6	corporate	corporate	ADJ
cjfa-30902	521	7	banking	banking	NOUN
cjfa-30902	521	8	.	.	PUNCT
cjfa-30902	522	1	cheltenham	cheltenham	PROPN
cjfa-30902	522	2	:	:	PUNCT
cjfa-30902	522	3	edward	edward	PROPN
cjfa-30902	522	4	elgar	elgar	PROPN
cjfa-30902	522	5	publishing	publishing	PROPN
cjfa-30902	522	6	.	.	PUNCT
cjfa-30902	523	1	https://	https://	PROPN
cjfa-30902	523	2	doi.org/10.4337/9781848447189.00007	doi.org/10.4337/9781848447189.00007	PROPN
cjfa-30902	523	3	.	.	PROPN
cjfa-30902	523	4	lotto	lotto	NOUN
cjfa-30902	523	5	,	,	PUNCT
cjfa-30902	523	6	j.	j.	PROPN
cjfa-30902	523	7	(	(	PUNCT
cjfa-30902	523	8	2019	2019	NUM
cjfa-30902	523	9	)	)	PUNCT
cjfa-30902	523	10	.	.	PUNCT
cjfa-30902	524	1	evaluation	evaluation	NOUN
cjfa-30902	524	2	of	of	ADP
cjfa-30902	524	3	factors	factor	NOUN
cjfa-30902	524	4	influencing	influence	VERB
cjfa-30902	524	5	bank	bank	NOUN
cjfa-30902	524	6	operating	operating	NOUN
cjfa-30902	524	7	efficiency	efficiency	NOUN
cjfa-30902	524	8	in	in	ADP
cjfa-30902	524	9	tanzanian	tanzanian	ADJ
cjfa-30902	524	10	banking	banking	NOUN
cjfa-30902	524	11	sector	sector	NOUN
cjfa-30902	524	12	.	.	PUNCT
cjfa-30902	525	1	cogent	cogent	NOUN
cjfa-30902	525	2	economics	economics	PROPN
cjfa-30902	525	3	&	&	CCONJ
cjfa-30902	525	4	finance	finance	PROPN
cjfa-30902	525	5	,	,	PUNCT
cjfa-30902	525	6	7(1	7(1	NUM
cjfa-30902	525	7	)	)	PUNCT
cjfa-30902	525	8	.	.	PUNCT
cjfa-30902	526	1	https://dx.doi.org/10.1080/23	https://dx.doi.org/10.1080/23	PROPN
cjfa-30902	526	2	322039.2019.1664192	322039.2019.1664192	NUM
cjfa-30902	526	3	.	.	PUNCT
cjfa-30902	527	1	mabrouk	mabrouk	PROPN
cjfa-30902	527	2	,	,	PUNCT
cjfa-30902	527	3	a.	a.	PROPN
cjfa-30902	527	4	,	,	PUNCT
cjfa-30902	527	5	&	&	CCONJ
cjfa-30902	527	6	mamoghli	mamoghli	PROPN
cjfa-30902	527	7	,	,	PUNCT
cjfa-30902	527	8	c.	c.	PROPN
cjfa-30902	527	9	(	(	PUNCT
cjfa-30902	527	10	2010	2010	NUM
cjfa-30902	527	11	)	)	PUNCT
cjfa-30902	527	12	.	.	PUNCT
cjfa-30902	528	1	dynamic	dynamic	ADJ
cjfa-30902	528	2	of	of	ADP
cjfa-30902	528	3	financial	financial	ADJ
cjfa-30902	528	4	innovation	innovation	NOUN
cjfa-30902	528	5	and	and	CCONJ
cjfa-30902	528	6	performance	performance	NOUN
cjfa-30902	528	7	of	of	ADP
cjfa-30902	528	8	banking	banking	NOUN
cjfa-30902	528	9	firms	firm	NOUN
cjfa-30902	528	10	:	:	PUNCT
cjfa-30902	528	11	context	context	NOUN
cjfa-30902	528	12	of	of	ADP
cjfa-30902	528	13	an	an	DET
cjfa-30902	528	14	emerging	emerge	VERB
cjfa-30902	528	15	banking	banking	NOUN
cjfa-30902	528	16	industry	industry	NOUN
cjfa-30902	528	17	.	.	PUNCT
cjfa-30902	529	1	international	international	ADJ
cjfa-30902	529	2	research	research	PROPN
cjfa-30902	529	3	journal	journal	NOUN
cjfa-30902	529	4	of	of	ADP
cjfa-30902	529	5	finance	finance	NOUN
cjfa-30902	529	6	and	and	CCONJ
cjfa-30902	529	7	economics	economic	NOUN
cjfa-30902	529	8	,	,	PUNCT
cjfa-30902	529	9	51	51	NUM
cjfa-30902	529	10	,	,	PUNCT
cjfa-30902	529	11	17	17	NUM
cjfa-30902	529	12	-	-	SYM
cjfa-30902	529	13	36	36	NUM
cjfa-30902	529	14	.	.	PUNCT
cjfa-30902	530	1	mabrouk	mabrouk	PROPN
cjfa-30902	530	2	,	,	PUNCT
cjfa-30902	530	3	a.	a.	NOUN
cjfa-30902	530	4	,	,	PUNCT
cjfa-30902	530	5	dhouibi	dhouibi	NOUN
cjfa-30902	530	6	,	,	PUNCT
cjfa-30902	530	7	r.	r.	PROPN
cjfa-30902	530	8	,	,	PUNCT
cjfa-30902	530	9	&	&	CCONJ
cjfa-30902	530	10	rouetbi	rouetbi	PROPN
cjfa-30902	530	11	,	,	PUNCT
cjfa-30902	530	12	e.	e.	PROPN
cjfa-30902	530	13	(	(	PUNCT
cjfa-30902	530	14	2016	2016	NUM
cjfa-30902	530	15	)	)	PUNCT
cjfa-30902	530	16	.	.	PUNCT
cjfa-30902	531	1	interaction	interaction	NOUN
cjfa-30902	531	2	effect	effect	NOUN
cjfa-30902	531	3	between	between	ADP
cjfa-30902	531	4	product	product	NOUN
cjfa-30902	531	5	and	and	CCONJ
cjfa-30902	531	6	process	process	NOUN
cjfa-30902	531	7	innovation	innovation	NOUN
cjfa-30902	531	8	:	:	PUNCT
cjfa-30902	531	9	the	the	DET
cjfa-30902	531	10	case	case	NOUN
cjfa-30902	531	11	of	of	ADP
cjfa-30902	531	12	tunisian	tunisian	ADJ
cjfa-30902	531	13	banks	bank	NOUN
cjfa-30902	531	14	.	.	PUNCT
cjfa-30902	532	1	banks	bank	NOUN
cjfa-30902	532	2	and	and	CCONJ
cjfa-30902	532	3	bank	bank	NOUN
cjfa-30902	532	4	systems	system	NOUN
cjfa-30902	532	5	,	,	PUNCT
cjfa-30902	532	6	11(1	11(1	NUM
cjfa-30902	532	7	)	)	PUNCT
cjfa-30902	532	8	,	,	PUNCT
cjfa-30902	532	9	60	60	NUM
cjfa-30902	532	10	-	-	SYM
cjfa-30902	532	11	70	70	NUM
cjfa-30902	532	12	.	.	PUNCT
cjfa-30902	533	1	http://dx.doi.org/10.21511/bbs.11(1).2016.07	http://dx.doi.org/10.21511/bbs.11(1).2016.07	PROPN
cjfa-30902	533	2	.	.	PUNCT
cjfa-30902	534	1	malhotra	malhotra	PROPN
cjfa-30902	534	2	,	,	PUNCT
cjfa-30902	534	3	p.	p.	PROPN
cjfa-30902	534	4	,	,	PUNCT
cjfa-30902	534	5	&	&	CCONJ
cjfa-30902	534	6	singh	singh	PROPN
cjfa-30902	534	7	,	,	PUNCT
cjfa-30902	534	8	b.	b.	PROPN
cjfa-30902	534	9	(	(	PUNCT
cjfa-30902	534	10	2009	2009	NUM
cjfa-30902	534	11	)	)	PUNCT
cjfa-30902	534	12	.	.	PUNCT
cjfa-30902	535	1	the	the	DET
cjfa-30902	535	2	impact	impact	NOUN
cjfa-30902	535	3	of	of	ADP
cjfa-30902	535	4	internet	internet	NOUN
cjfa-30902	535	5	banking	banking	NOUN
cjfa-30902	535	6	on	on	ADP
cjfa-30902	535	7	bank	bank	NOUN
cjfa-30902	535	8	performance	performance	NOUN
cjfa-30902	535	9	and	and	CCONJ
cjfa-30902	535	10	risk	risk	NOUN
cjfa-30902	535	11	:	:	PUNCT
cjfa-30902	535	12	the	the	DET
cjfa-30902	535	13	indian	indian	ADJ
cjfa-30902	535	14	experience	experience	NOUN
cjfa-30902	535	15	.	.	PUNCT
cjfa-30902	536	1	eurasian	eurasian	ADJ
cjfa-30902	536	2	journal	journal	PROPN
cjfa-30902	536	3	of	of	ADP
cjfa-30902	536	4	business	business	NOUN
cjfa-30902	536	5	and	and	CCONJ
cjfa-30902	536	6	economics	economic	NOUN
cjfa-30902	536	7	,	,	PUNCT
cjfa-30902	536	8	2(4	2(4	NUM
cjfa-30902	536	9	)	)	PUNCT
cjfa-30902	536	10	,	,	PUNCT
cjfa-30902	536	11	43	43	NUM
cjfa-30902	536	12	-	-	SYM
cjfa-30902	536	13	62	62	NUM
cjfa-30902	536	14	.	.	PUNCT
cjfa-30902	537	1	mcshane	mcshane	PROPN
cjfa-30902	537	2	,	,	PUNCT
cjfa-30902	537	3	m.k	m.k	PROPN
cjfa-30902	537	4	.	.	PROPN
cjfa-30902	537	5	,	,	PUNCT
cjfa-30902	537	6	nair	nair	PROPN
cjfa-30902	537	7	,	,	PUNCT
cjfa-30902	537	8	a.	a.	PROPN
cjfa-30902	537	9	,	,	PUNCT
cjfa-30902	537	10	&	&	CCONJ
cjfa-30902	537	11	rustambekov	rustambekov	PROPN
cjfa-30902	537	12	,	,	PUNCT
cjfa-30902	537	13	e.	e.	PROPN
cjfa-30902	537	14	(	(	PUNCT
cjfa-30902	537	15	2011	2011	NUM
cjfa-30902	537	16	)	)	PUNCT
cjfa-30902	537	17	.	.	PUNCT
cjfa-30902	538	1	does	do	VERB
cjfa-30902	538	2	enterprise	enterprise	NOUN
cjfa-30902	538	3	risk	risk	NOUN
cjfa-30902	538	4	management	management	NOUN
cjfa-30902	538	5	increase	increase	NOUN
cjfa-30902	538	6	firm	firm	ADJ
cjfa-30902	538	7	value	value	NOUN
cjfa-30902	538	8	.	.	PUNCT
cjfa-30902	539	1	journal	journal	NOUN
cjfa-30902	539	2	of	of	ADP
cjfa-30902	539	3	accounting	accounting	NOUN
cjfa-30902	539	4	,	,	PUNCT
cjfa-30902	539	5	auditing	auditing	NOUN
cjfa-30902	539	6	&	&	CCONJ
cjfa-30902	539	7	finance	finance	NOUN
cjfa-30902	539	8	,	,	PUNCT
cjfa-30902	539	9	26(4	26(4	NUM
cjfa-30902	539	10	)	)	PUNCT
cjfa-30902	539	11	,	,	PUNCT
cjfa-30902	539	12	641	641	NUM
cjfa-30902	539	13	-	-	SYM
cjfa-30902	539	14	658	658	NUM
cjfa-30902	539	15	.	.	PUNCT
cjfa-30902	540	1	https://dx.doi.org/10.1177/0148558x11409160	https://dx.doi.org/10.1177/0148558x11409160	PROPN
cjfa-30902	540	2	.	.	PUNCT
cjfa-30902	541	1	mendoza	mendoza	PROPN
cjfa-30902	541	2	,	,	PUNCT
cjfa-30902	541	3	r.	r.	PROPN
cjfa-30902	541	4	,	,	PUNCT
cjfa-30902	541	5	&	&	CCONJ
cjfa-30902	541	6	rivera	rivera	PROPN
cjfa-30902	541	7	,	,	PUNCT
cjfa-30902	541	8	j.p.r	j.p.r	NOUN
cjfa-30902	541	9	.	.	PUNCT
cjfa-30902	541	10	(	(	PUNCT
cjfa-30902	541	11	2017	2017	NUM
cjfa-30902	541	12	)	)	PUNCT
cjfa-30902	541	13	.	.	PUNCT
cjfa-30902	542	1	the	the	DET
cjfa-30902	542	2	effect	effect	NOUN
cjfa-30902	542	3	of	of	ADP
cjfa-30902	542	4	credit	credit	NOUN
cjfa-30902	542	5	risk	risk	NOUN
cjfa-30902	542	6	and	and	CCONJ
cjfa-30902	542	7	capital	capital	NOUN
cjfa-30902	542	8	adequacy	adequacy	NOUN
cjfa-30902	542	9	on	on	ADP
cjfa-30902	542	10	the	the	DET
cjfa-30902	542	11	profitability	profitability	NOUN
cjfa-30902	542	12	of	of	ADP
cjfa-30902	542	13	rural	rural	ADJ
cjfa-30902	542	14	banks	bank	NOUN
cjfa-30902	542	15	in	in	ADP
cjfa-30902	542	16	the	the	DET
cjfa-30902	542	17	philippines	philippine	NOUN
cjfa-30902	542	18	.	.	PUNCT
cjfa-30902	543	1	scientific	scientific	ADJ
cjfa-30902	543	2	annals	annal	NOUN
cjfa-30902	543	3	of	of	ADP
cjfa-30902	543	4	economics	economic	NOUN
cjfa-30902	543	5	and	and	CCONJ
cjfa-30902	543	6	business	business	NOUN
cjfa-30902	543	7	,	,	PUNCT
cjfa-30902	543	8	64(1	64(1	NUM
cjfa-30902	543	9	)	)	PUNCT
cjfa-30902	543	10	,	,	PUNCT
cjfa-30902	543	11	83	83	NUM
cjfa-30902	543	12	-	-	SYM
cjfa-30902	543	13	96	96	NUM
cjfa-30902	543	14	.	.	PUNCT
cjfa-30902	544	1	https://dx.doi.org/	https://dx.doi.org/	X
cjfa-30902	544	2	10.1515	10.1515	NUM
cjfa-30902	544	3	/	/	SYM
cjfa-30902	544	4	saeb-2017	saeb-2017	NOUN
cjfa-30902	544	5	-	-	PUNCT
cjfa-30902	544	6	0006	0006	NUM
cjfa-30902	544	7	.	.	PUNCT
cjfa-30902	545	1	merton	merton	PROPN
cjfa-30902	545	2	,	,	PUNCT
cjfa-30902	545	3	r.c	r.c	PROPN
cjfa-30902	545	4	.	.	PROPN
cjfa-30902	545	5	(	(	PUNCT
cjfa-30902	545	6	1992	1992	NUM
cjfa-30902	545	7	)	)	PUNCT
cjfa-30902	545	8	.	.	PUNCT
cjfa-30902	546	1	financial	financial	ADJ
cjfa-30902	546	2	innovation	innovation	NOUN
cjfa-30902	546	3	and	and	CCONJ
cjfa-30902	546	4	economic	economic	ADJ
cjfa-30902	546	5	performance	performance	NOUN
cjfa-30902	546	6	.	.	PUNCT
cjfa-30902	547	1	journal	journal	NOUN
cjfa-30902	547	2	of	of	ADP
cjfa-30902	547	3	applied	apply	VERB
cjfa-30902	547	4	corporate	corporate	ADJ
cjfa-30902	547	5	finance	finance	NOUN
cjfa-30902	547	6	,	,	PUNCT
cjfa-30902	547	7	4(4	4(4	NUM
cjfa-30902	547	8	)	)	PUNCT
cjfa-30902	547	9	,	,	PUNCT
cjfa-30902	547	10	12	12	NUM
cjfa-30902	547	11	-	-	SYM
cjfa-30902	547	12	22	22	NUM
cjfa-30902	547	13	.	.	PUNCT
cjfa-30902	548	1	https://dx.doi.org/10.1111/j.1745-6622.1992	https://dx.doi.org/10.1111/j.1745-6622.1992	PROPN
cjfa-30902	548	2	.	.	PUNCT
cjfa-30902	549	1	tb00214.x	tb00214.x	PROPN
cjfa-30902	549	2	.	.	PUNCT
cjfa-30902	550	1	minetti	minetti	NOUN
cjfa-30902	550	2	,	,	PUNCT
cjfa-30902	550	3	r.	r.	PROPN
cjfa-30902	550	4	,	,	PUNCT
cjfa-30902	550	5	murro	murro	NOUN
cjfa-30902	550	6	,	,	PUNCT
cjfa-30902	550	7	p.	p.	PROPN
cjfa-30902	550	8	,	,	PUNCT
cjfa-30902	550	9	&	&	CCONJ
cjfa-30902	550	10	paiella	paiella	PROPN
cjfa-30902	550	11	,	,	PUNCT
cjfa-30902	550	12	m.	m.	NOUN
cjfa-30902	550	13	(	(	PUNCT
cjfa-30902	550	14	2015	2015	NUM
cjfa-30902	550	15	)	)	PUNCT
cjfa-30902	550	16	.	.	PUNCT
cjfa-30902	551	1	ownership	ownership	NOUN
cjfa-30902	551	2	structure	structure	NOUN
cjfa-30902	551	3	,	,	PUNCT
cjfa-30902	551	4	governance	governance	NOUN
cjfa-30902	551	5	and	and	CCONJ
cjfa-30902	551	6	innovation	innovation	NOUN
cjfa-30902	551	7	.	.	PUNCT
cjfa-30902	552	1	european	european	ADJ
cjfa-30902	552	2	economic	economic	PROPN
cjfa-30902	552	3	review	review	PROPN
cjfa-30902	552	4	,	,	PUNCT
cjfa-30902	552	5	80(c	80(c	NUM
cjfa-30902	552	6	)	)	PUNCT
cjfa-30902	552	7	,	,	PUNCT
cjfa-30902	552	8	165	165	NUM
cjfa-30902	552	9	-	-	SYM
cjfa-30902	552	10	193	193	NUM
cjfa-30902	552	11	.	.	PUNCT
cjfa-30902	553	1	https://dx.doi.org/10.1016/j.euroecorev.2015.09.007	https://dx.doi.org/10.1016/j.euroecorev.2015.09.007	PROPN
cjfa-30902	553	2	.	.	PUNCT
cjfa-30902	554	1	mustapha	mustapha	PROPN
cjfa-30902	554	2	,	,	PUNCT
cjfa-30902	554	3	s.a	s.a	PROPN
cjfa-30902	554	4	.	.	PROPN
cjfa-30902	554	5	(	(	PUNCT
cjfa-30902	554	6	2018	2018	NUM
cjfa-30902	554	7	)	)	PUNCT
cjfa-30902	554	8	.	.	PUNCT
cjfa-30902	555	1	e	e	X
cjfa-30902	555	2	-	-	NOUN
cjfa-30902	555	3	payment	payment	ADJ
cjfa-30902	555	4	technology	technology	NOUN
cjfa-30902	555	5	effect	effect	NOUN
cjfa-30902	555	6	on	on	ADP
cjfa-30902	555	7	bank	bank	NOUN
cjfa-30902	555	8	performance	performance	NOUN
cjfa-30902	555	9	in	in	ADP
cjfa-30902	555	10	emerging	emerge	VERB
cjfa-30902	555	11	economies	economy	NOUN
cjfa-30902	555	12	-	-	PUNCT
cjfa-30902	555	13	evidence	evidence	NOUN
cjfa-30902	555	14	from	from	ADP
cjfa-30902	555	15	nigeria	nigeria	PROPN
cjfa-30902	555	16	.	.	PUNCT
cjfa-30902	556	1	journal	journal	PROPN
cjfa-30902	556	2	of	of	ADP
cjfa-30902	556	3	open	open	ADJ
cjfa-30902	556	4	innovation	innovation	NOUN
cjfa-30902	556	5	:	:	PUNCT
cjfa-30902	556	6	technology	technology	NOUN
cjfa-30902	556	7	,	,	PUNCT
cjfa-30902	556	8	market	market	NOUN
cjfa-30902	556	9	,	,	PUNCT
cjfa-30902	556	10	and	and	CCONJ
cjfa-30902	556	11	complexity	complexity	NOUN
cjfa-30902	556	12	,	,	PUNCT
cjfa-30902	556	13	4(4	4(4	NUM
cjfa-30902	556	14	)	)	PUNCT
cjfa-30902	556	15	,	,	PUNCT
cjfa-30902	556	16	43	43	NUM
cjfa-30902	556	17	.	.	PUNCT
cjfa-30902	557	1	https://dx.doi.org/10.3390/joitmc4040043	https://dx.doi.org/10.3390/joitmc4040043	PROPN
cjfa-30902	557	2	.	.	PUNCT
cjfa-30902	558	1	nejad	nejad	PROPN
cjfa-30902	558	2	,	,	PUNCT
cjfa-30902	558	3	m.g	m.g	PROPN
cjfa-30902	558	4	.	.	PROPN
cjfa-30902	558	5	(	(	PUNCT
cjfa-30902	558	6	2016	2016	NUM
cjfa-30902	558	7	)	)	PUNCT
cjfa-30902	558	8	.	.	PUNCT
cjfa-30902	559	1	research	research	NOUN
cjfa-30902	559	2	on	on	ADP
cjfa-30902	559	3	financial	financial	ADJ
cjfa-30902	559	4	services	service	NOUN
cjfa-30902	559	5	innovations	innovation	NOUN
cjfa-30902	559	6	:	:	PUNCT
cjfa-30902	559	7	a	a	DET
cjfa-30902	559	8	quantitative	quantitative	ADJ
cjfa-30902	559	9	review	review	NOUN
cjfa-30902	559	10	and	and	CCONJ
cjfa-30902	559	11	future	future	ADJ
cjfa-30902	559	12	research	research	NOUN
cjfa-30902	559	13	directions	direction	NOUN
cjfa-30902	559	14	.	.	PUNCT
cjfa-30902	560	1	international	international	ADJ
cjfa-30902	560	2	journal	journal	PROPN
cjfa-30902	560	3	of	of	ADP
cjfa-30902	560	4	bank	bank	PROPN
cjfa-30902	560	5	marketing	marketing	NOUN
cjfa-30902	560	6	,	,	PUNCT
cjfa-30902	560	7	34(7	34(7	NUM
cjfa-30902	560	8	)	)	PUNCT
cjfa-30902	560	9	,	,	PUNCT
cjfa-30902	560	10	1042	1042	NUM
cjfa-30902	560	11	-	-	SYM
cjfa-30902	560	12	1068	1068	NUM
cjfa-30902	560	13	.	.	PUNCT
cjfa-30902	561	1	http://dx.doi.org/10.1108/ijbm-08-2015-0129	http://dx.doi.org/10.1108/ijbm-08-2015-0129	PROPN
cjfa-30902	561	2	.	.	PUNCT
cjfa-30902	562	1	oecd	oecd	PROPN
cjfa-30902	562	2	(	(	PUNCT
cjfa-30902	562	3	2005	2005	NUM
cjfa-30902	562	4	)	)	PUNCT
cjfa-30902	562	5	.	.	PUNCT
cjfa-30902	563	1	oslo	oslo	PROPN
cjfa-30902	563	2	manual	manual	PROPN
cjfa-30902	563	3	:	:	PUNCT
cjfa-30902	563	4	guidelines	guideline	NOUN
cjfa-30902	563	5	for	for	ADP
cjfa-30902	563	6	collecting	collect	VERB
cjfa-30902	563	7	and	and	CCONJ
cjfa-30902	563	8	interpreting	interpret	VERB
cjfa-30902	563	9	innovation	innovation	NOUN
cjfa-30902	563	10	data	datum	NOUN
cjfa-30902	563	11	.	.	PUNCT
cjfa-30902	564	1	3rd	3rd	PROPN
cjfa-30902	564	2	edition	edition	NOUN
cjfa-30902	564	3	.	.	PUNCT
cjfa-30902	565	1	paris	paris	PROPN
cjfa-30902	565	2	:	:	PUNCT
cjfa-30902	566	1	oecd	oecd	PROPN
cjfa-30902	566	2	publishing	publishing	NOUN
cjfa-30902	566	3	.	.	PUNCT
cjfa-30902	567	1	https://www.oecd-ilibrary.org/docserver/9789	https://www.oecd-ilibrary.org/docserver/9789	CCONJ
cjfa-30902	567	2	financial	financial	ADJ
cjfa-30902	567	3	innovation	innovation	NOUN
cjfa-30902	567	4	,	,	PUNCT
cjfa-30902	567	5	risk	risk	NOUN
cjfa-30902	567	6	management	management	NOUN
cjfa-30902	567	7	,	,	PUNCT
cjfa-30902	567	8	and	and	CCONJ
cjfa-30902	567	9	bank	bank	NOUN
cjfa-30902	567	10	performance	performance	NOUN
cjfa-30902	567	11	99	99	NUM
cjfa-30902	567	12	264013100-en.pdf?expires=1587684547&id=id&accname=guest&checksum=53db	264013100-en.pdf?expires=1587684547&id=id&accname=guest&checksum=53db	NUM
cjfa-30902	567	13	6acd0b7baecc6a8c10fb54defc19	6acd0b7baecc6a8c10fb54defc19	NUM
cjfa-30902	567	14	.	.	PUNCT
cjfa-30902	568	1	olamide	olamide	ADV
cjfa-30902	568	2	,	,	PUNCT
cjfa-30902	568	3	o.	o.	PROPN
cjfa-30902	568	4	,	,	PUNCT
cjfa-30902	568	5	uwalomwa	uwalomwa	PROPN
cjfa-30902	568	6	,	,	PUNCT
cjfa-30902	568	7	u.	u.	PROPN
cjfa-30902	568	8	,	,	PUNCT
cjfa-30902	568	9	&	&	CCONJ
cjfa-30902	568	10	ranti	ranti	PROPN
cjfa-30902	568	11	,	,	PUNCT
cjfa-30902	568	12	u.o	u.o	PROPN
cjfa-30902	568	13	(	(	PUNCT
cjfa-30902	568	14	2015	2015	NUM
cjfa-30902	568	15	)	)	PUNCT
cjfa-30902	568	16	.	.	PUNCT
cjfa-30902	569	1	the	the	DET
cjfa-30902	569	2	effect	effect	NOUN
cjfa-30902	569	3	of	of	ADP
cjfa-30902	569	4	risk	risk	NOUN
cjfa-30902	569	5	management	management	NOUN
cjfa-30902	569	6	on	on	ADP
cjfa-30902	569	7	bank	bank	NOUN
cjfa-30902	569	8	’s	’s	PART
cjfa-30902	569	9	financial	financial	ADJ
cjfa-30902	569	10	performance	performance	NOUN
cjfa-30902	569	11	in	in	ADP
cjfa-30902	569	12	nigeria	nigeria	PROPN
cjfa-30902	569	13	.	.	PUNCT
cjfa-30902	570	1	journal	journal	PROPN
cjfa-30902	570	2	of	of	ADP
cjfa-30902	570	3	accounting	accounting	NOUN
cjfa-30902	570	4	and	and	CCONJ
cjfa-30902	570	5	auditing	auditing	NOUN
cjfa-30902	570	6	:	:	PUNCT
cjfa-30902	570	7	research	research	NOUN
cjfa-30902	570	8	&	&	CCONJ
cjfa-30902	570	9	practice	practice	NOUN
cjfa-30902	570	10	,	,	PUNCT
cjfa-30902	570	11	2015	2015	NUM
cjfa-30902	570	12	,	,	PUNCT
cjfa-30902	570	13	1	1	NUM
cjfa-30902	570	14	-	-	SYM
cjfa-30902	570	15	7	7	NUM
cjfa-30902	570	16	.	.	PUNCT
cjfa-30902	571	1	https://dx.doi.org/10.5171/2015.239854	https://dx.doi.org/10.5171/2015.239854	PROPN
cjfa-30902	571	2	.	.	PUNCT
cjfa-30902	572	1	paroush	paroush	PROPN
cjfa-30902	572	2	,	,	PUNCT
cjfa-30902	572	3	j.	j.	PROPN
cjfa-30902	572	4	,	,	PUNCT
cjfa-30902	572	5	&	&	CCONJ
cjfa-30902	572	6	schreiber	schreiber	PROPN
cjfa-30902	572	7	,	,	PUNCT
cjfa-30902	572	8	b.-z	b.-z	PROPN
cjfa-30902	572	9	.	.	PUNCT
cjfa-30902	573	1	(	(	PUNCT
cjfa-30902	573	2	2019	2019	NUM
cjfa-30902	573	3	)	)	PUNCT
cjfa-30902	573	4	.	.	PUNCT
cjfa-30902	574	1	profitability	profitability	NOUN
cjfa-30902	574	2	,	,	PUNCT
cjfa-30902	574	3	capital	capital	NOUN
cjfa-30902	574	4	,	,	PUNCT
cjfa-30902	574	5	and	and	CCONJ
cjfa-30902	574	6	risk	risk	NOUN
cjfa-30902	574	7	in	in	ADP
cjfa-30902	574	8	us	we	PRON
cjfa-30902	574	9	commercial	commercial	ADJ
cjfa-30902	574	10	and	and	CCONJ
cjfa-30902	574	11	savings	saving	NOUN
cjfa-30902	574	12	banks	bank	NOUN
cjfa-30902	574	13	:	:	PUNCT
cjfa-30902	574	14	re	re	NOUN
cjfa-30902	574	15	-	-	NOUN
cjfa-30902	574	16	examination	examination	NOUN
cjfa-30902	574	17	of	of	ADP
cjfa-30902	574	18	estimation	estimation	NOUN
cjfa-30902	574	19	methods	method	NOUN
cjfa-30902	574	20	.	.	PUNCT
cjfa-30902	575	1	the	the	DET
cjfa-30902	575	2	quarterly	quarterly	ADJ
cjfa-30902	575	3	review	review	NOUN
cjfa-30902	575	4	of	of	ADP
cjfa-30902	575	5	economics	economic	NOUN
cjfa-30902	575	6	and	and	CCONJ
cjfa-30902	575	7	finance	finance	NOUN
cjfa-30902	575	8	,	,	PUNCT
cjfa-30902	575	9	74(c	74(c	NUM
cjfa-30902	575	10	)	)	PUNCT
cjfa-30902	575	11	,	,	PUNCT
cjfa-30902	575	12	148	148	NUM
cjfa-30902	575	13	-	-	SYM
cjfa-30902	575	14	162	162	NUM
cjfa-30902	575	15	.	.	PUNCT
cjfa-30902	576	1	https://dx.doi.org/10.1016/j.qref.2018.12.007	https://dx.doi.org/10.1016/j.qref.2018.12.007	NOUN
cjfa-30902	576	2	.	.	PUNCT
cjfa-30902	577	1	philippas	philippas	PROPN
cjfa-30902	577	2	,	,	PUNCT
cjfa-30902	577	3	d.t	d.t	PROPN
cjfa-30902	577	4	.	.	PROPN
cjfa-30902	577	5	,	,	PUNCT
cjfa-30902	577	6	&	&	CCONJ
cjfa-30902	577	7	siriopoulos	siriopoulos	PROPN
cjfa-30902	577	8	,	,	PUNCT
cjfa-30902	577	9	c.	c.	PROPN
cjfa-30902	577	10	(	(	PUNCT
cjfa-30902	577	11	2009	2009	NUM
cjfa-30902	577	12	)	)	PUNCT
cjfa-30902	577	13	.	.	PUNCT
cjfa-30902	578	1	influence	influence	NOUN
cjfa-30902	578	2	of	of	ADP
cjfa-30902	578	3	financial	financial	ADJ
cjfa-30902	578	4	innovation	innovation	NOUN
cjfa-30902	578	5	to	to	ADP
cjfa-30902	578	6	the	the	DET
cjfa-30902	578	7	validation	validation	NOUN
cjfa-30902	578	8	of	of	ADP
cjfa-30902	578	9	operational	operational	ADJ
cjfa-30902	578	10	risk	risk	NOUN
cjfa-30902	578	11	.	.	PUNCT
cjfa-30902	579	1	managerial	managerial	ADJ
cjfa-30902	579	2	finance	finance	NOUN
cjfa-30902	579	3	,	,	PUNCT
cjfa-30902	579	4	35(11	35(11	NUM
cjfa-30902	579	5	)	)	PUNCT
cjfa-30902	579	6	,	,	PUNCT
cjfa-30902	579	7	940	940	NUM
cjfa-30902	579	8	-	-	SYM
cjfa-30902	579	9	947	947	NUM
cjfa-30902	579	10	.	.	PUNCT
cjfa-30902	580	1	https://dx.doi	https://dx.doi	NOUN
cjfa-30902	580	2	.	.	PUNCT
cjfa-30902	581	1	org/10.2139	org/10.2139	PROPN
cjfa-30902	581	2	/	/	SYM
cjfa-30902	581	3	ssrn.1851633	ssrn.1851633	PROPN
cjfa-30902	581	4	.	.	PUNCT
cjfa-30902	582	1	piyananda	piyananda	PROPN
cjfa-30902	582	2	,	,	PUNCT
cjfa-30902	582	3	s.d.p	s.d.p	NOUN
cjfa-30902	582	4	,	,	PUNCT
cjfa-30902	582	5	chandrasena	chandrasena	PROPN
cjfa-30902	582	6	,	,	PUNCT
cjfa-30902	582	7	s.m	s.m	PROPN
cjfa-30902	582	8	.	.	PROPN
cjfa-30902	582	9	,	,	PUNCT
cjfa-30902	582	10	&	&	CCONJ
cjfa-30902	582	11	fernando	fernando	PROPN
cjfa-30902	582	12	,	,	PUNCT
cjfa-30902	582	13	j.m	j.m	PROPN
cjfa-30902	582	14	(	(	PUNCT
cjfa-30902	582	15	2015	2015	NUM
cjfa-30902	582	16	)	)	PUNCT
cjfa-30902	582	17	.	.	PUNCT
cjfa-30902	583	1	bank	bank	NOUN
cjfa-30902	583	2	-	-	PUNCT
cjfa-30902	583	3	specific	specific	ADJ
cjfa-30902	583	4	determinants	determinant	NOUN
cjfa-30902	583	5	of	of	ADP
cjfa-30902	583	6	risk	risk	NOUN
cjfa-30902	583	7	management	management	NOUN
cjfa-30902	583	8	efficiency	efficiency	NOUN
cjfa-30902	583	9	:	:	PUNCT
cjfa-30902	583	10	evidence	evidence	NOUN
cjfa-30902	583	11	from	from	ADP
cjfa-30902	583	12	listed	list	VERB
cjfa-30902	583	13	commercial	commercial	ADJ
cjfa-30902	583	14	banks	bank	NOUN
cjfa-30902	583	15	in	in	ADP
cjfa-30902	583	16	sri	sri	PROPN
cjfa-30902	583	17	lanka	lanka	PROPN
cjfa-30902	583	18	.	.	PUNCT
cjfa-30902	584	1	in	in	ADP
cjfa-30902	584	2	6th	6th	ADJ
cjfa-30902	584	3	international	international	ADJ
cjfa-30902	584	4	conference	conference	NOUN
cjfa-30902	584	5	on	on	ADP
cjfa-30902	584	6	business	business	NOUN
cjfa-30902	584	7	and	and	CCONJ
cjfa-30902	584	8	information	information	NOUN
cjfa-30902	584	9	(	(	PUNCT
cjfa-30902	584	10	icbi	icbi	NOUN
cjfa-30902	584	11	)	)	PUNCT
cjfa-30902	584	12	.	.	PUNCT
cjfa-30902	585	1	sri	sri	PROPN
cjfa-30902	585	2	lanka	lanka	PROPN
cjfa-30902	585	3	:	:	PUNCT
cjfa-30902	585	4	faculty	faculty	NOUN
cjfa-30902	585	5	of	of	ADP
cjfa-30902	585	6	commerce	commerce	NOUN
cjfa-30902	585	7	and	and	CCONJ
cjfa-30902	585	8	management	management	NOUN
cjfa-30902	585	9	studies	study	NOUN
cjfa-30902	585	10	,	,	PUNCT
cjfa-30902	585	11	university	university	PROPN
cjfa-30902	585	12	of	of	ADP
cjfa-30902	585	13	kelaniya	kelaniya	PROPN
cjfa-30902	585	14	,	,	PUNCT
cjfa-30902	585	15	78	78	NUM
cjfa-30902	585	16	-	-	SYM
cjfa-30902	585	17	89	89	NUM
cjfa-30902	585	18	.	.	PUNCT
cjfa-30902	586	1	https://pdfs.semanticscholar.org/ec76/285d5c88496b014dfe466c614d493bcdb866	https://pdfs.semanticscholar.org/ec76/285d5c88496b014dfe466c614d493bcdb866	PROPN
cjfa-30902	586	2	.	.	PUNCT
cjfa-30902	587	1	pdf?_ga=2.266247759.1732821706.1587683938	pdf?_ga=2.266247759.1732821706.1587683938	PROPN
cjfa-30902	587	2	-	-	PUNCT
cjfa-30902	587	3	52817079.1587683938	52817079.1587683938	PROPN
cjfa-30902	587	4	.	.	PUNCT
cjfa-30902	588	1	sathyamoorthi	sathyamoorthi	PROPN
cjfa-30902	588	2	,	,	PUNCT
cjfa-30902	588	3	c.r	c.r	PROPN
cjfa-30902	588	4	.	.	PROPN
cjfa-30902	588	5	,	,	PUNCT
cjfa-30902	588	6	mogotsinyana	mogotsinyana	PROPN
cjfa-30902	588	7	,	,	PUNCT
cjfa-30902	588	8	m.	m.	NOUN
cjfa-30902	588	9	,	,	PUNCT
cjfa-30902	588	10	mphoeng	mphoeng	NOUN
cjfa-30902	588	11	,	,	PUNCT
cjfa-30902	588	12	m.	m.	NOUN
cjfa-30902	588	13	,	,	PUNCT
cjfa-30902	588	14	&	&	CCONJ
cjfa-30902	588	15	mashoko	mashoko	PROPN
cjfa-30902	588	16	,	,	PUNCT
cjfa-30902	588	17	d.	d.	PROPN
cjfa-30902	588	18	(	(	PUNCT
cjfa-30902	588	19	2020	2020	NUM
cjfa-30902	588	20	)	)	PUNCT
cjfa-30902	588	21	.	.	PUNCT
cjfa-30902	589	1	impact	impact	NOUN
cjfa-30902	589	2	of	of	ADP
cjfa-30902	589	3	financial	financial	ADJ
cjfa-30902	589	4	risk	risk	NOUN
cjfa-30902	589	5	management	management	NOUN
cjfa-30902	589	6	practices	practice	NOUN
cjfa-30902	589	7	on	on	ADP
cjfa-30902	589	8	financial	financial	ADJ
cjfa-30902	589	9	performance	performance	NOUN
cjfa-30902	589	10	:	:	PUNCT
cjfa-30902	589	11	evidence	evidence	NOUN
cjfa-30902	589	12	from	from	ADP
cjfa-30902	589	13	commercial	commercial	ADJ
cjfa-30902	589	14	banks	bank	NOUN
cjfa-30902	589	15	in	in	ADP
cjfa-30902	589	16	botswana	botswana	PROPN
cjfa-30902	589	17	.	.	PROPN
cjfa-30902	589	18	applied	apply	VERB
cjfa-30902	589	19	finance	finance	NOUN
cjfa-30902	589	20	and	and	CCONJ
cjfa-30902	589	21	accounting	accounting	NOUN
cjfa-30902	589	22	,	,	PUNCT
cjfa-30902	589	23	6(1	6(1	NUM
cjfa-30902	589	24	)	)	PUNCT
cjfa-30902	589	25	,	,	PUNCT
cjfa-30902	589	26	25	25	NUM
cjfa-30902	589	27	-	-	SYM
cjfa-30902	589	28	39	39	NUM
cjfa-30902	589	29	.	.	PUNCT
cjfa-30902	590	1	https://dx.doi.org/10.11114/afa.v6i1.4650	https://dx.doi.org/10.11114/afa.v6i1.4650	NOUN
cjfa-30902	590	2	.	.	PUNCT
cjfa-30902	591	1	sokołowska	sokołowska	PROPN
cjfa-30902	591	2	,	,	PUNCT
cjfa-30902	591	3	e.	e.	PROPN
cjfa-30902	591	4	(	(	PUNCT
cjfa-30902	591	5	2014	2014	NUM
cjfa-30902	591	6	)	)	PUNCT
cjfa-30902	591	7	.	.	PUNCT
cjfa-30902	592	1	alternative	alternative	ADJ
cjfa-30902	592	2	investments	investment	NOUN
cjfa-30902	592	3	in	in	ADP
cjfa-30902	592	4	wealth	wealth	NOUN
cjfa-30902	592	5	management	management	NOUN
cjfa-30902	592	6	.	.	PUNCT
cjfa-30902	593	1	switzerland	switzerland	NOUN
cjfa-30902	593	2	:	:	PUNCT
cjfa-30902	593	3	springer	springer	NOUN
cjfa-30902	593	4	.	.	PUNCT
cjfa-30902	594	1	http://dx.doi.org/10.1007/978-3-319-08075-8	http://dx.doi.org/10.1007/978-3-319-08075-8	PROPN
cjfa-30902	594	2	.	.	PUNCT
cjfa-30902	595	1	stone	stone	PROPN
cjfa-30902	595	2	,	,	PUNCT
cjfa-30902	595	3	a.	a.	NOUN
cjfa-30902	595	4	,	,	PUNCT
cjfa-30902	595	5	shipp	shipp	NOUN
cjfa-30902	595	6	,	,	PUNCT
cjfa-30902	595	7	s.	s.	PROPN
cjfa-30902	595	8	,	,	PUNCT
cjfa-30902	595	9	&	&	CCONJ
cjfa-30902	595	10	leader	leader	NOUN
cjfa-30902	595	11	,	,	PUNCT
cjfa-30902	595	12	p.	p.	NOUN
cjfa-30902	595	13	(	(	PUNCT
cjfa-30902	595	14	2008	2008	NUM
cjfa-30902	595	15	)	)	PUNCT
cjfa-30902	595	16	.	.	PUNCT
cjfa-30902	596	1	measuring	measure	VERB
cjfa-30902	596	2	innovation	innovation	NOUN
cjfa-30902	596	3	and	and	CCONJ
cjfa-30902	596	4	intangibles	intangible	NOUN
cjfa-30902	596	5	:	:	PUNCT
cjfa-30902	596	6	a	a	DET
cjfa-30902	596	7	business	business	NOUN
cjfa-30902	596	8	perspective	perspective	NOUN
cjfa-30902	596	9	.	.	PUNCT
cjfa-30902	597	1	washington	washington	PROPN
cjfa-30902	597	2	:	:	PUNCT
cjfa-30902	597	3	science	science	PROPN
cjfa-30902	597	4	&	&	CCONJ
cjfa-30902	597	5	technology	technology	PROPN
cjfa-30902	597	6	policy	policy	PROPN
cjfa-30902	597	7	institute	institute	PROPN
cjfa-30902	597	8	.	.	PUNCT
cjfa-30902	598	1	ida	ida	PROPN
cjfa-30902	598	2	document	document	PROPN
cjfa-30902	598	3	d-3704	d-3704	PROPN
cjfa-30902	598	4	.	.	PUNCT
cjfa-30902	599	1	https://www.ida.org/-/media/feature/publications/m/me/measuring-innovation-and-intangibles-a-business-perspective/ida-d-3704.ashx	https://www.ida.org/-/media/feature/publications/m/me/measuring-innovation-and-intangibles-a-business-perspective/ida-d-3704.ashx	PROPN
cjfa-30902	599	2	.	.	PUNCT
cjfa-30902	600	1	stulz	stulz	ADJ
cjfa-30902	600	2	,	,	PUNCT
cjfa-30902	600	3	r.m	r.m	PROPN
cjfa-30902	600	4	.	.	PROPN
cjfa-30902	600	5	(	(	PUNCT
cjfa-30902	600	6	2016	2016	NUM
cjfa-30902	600	7	)	)	PUNCT
cjfa-30902	600	8	.	.	PUNCT
cjfa-30902	601	1	risk	risk	NOUN
cjfa-30902	601	2	management	management	NOUN
cjfa-30902	601	3	,	,	PUNCT
cjfa-30902	601	4	governance	governance	NOUN
cjfa-30902	601	5	,	,	PUNCT
cjfa-30902	601	6	culture	culture	NOUN
cjfa-30902	601	7	,	,	PUNCT
cjfa-30902	601	8	and	and	CCONJ
cjfa-30902	601	9	risk	risk	NOUN
cjfa-30902	601	10	taking	take	VERB
cjfa-30902	601	11	in	in	ADP
cjfa-30902	601	12	banks	bank	NOUN
cjfa-30902	601	13	.	.	PUNCT
cjfa-30902	602	1	economic	economic	ADJ
cjfa-30902	602	2	policy	policy	NOUN
cjfa-30902	602	3	review	review	NOUN
cjfa-30902	602	4	,	,	PUNCT
cjfa-30902	602	5	22(1	22(1	NUM
cjfa-30902	602	6	)	)	PUNCT
cjfa-30902	602	7	,	,	PUNCT
cjfa-30902	602	8	43	43	NUM
cjfa-30902	602	9	-	-	SYM
cjfa-30902	602	10	60	60	NUM
cjfa-30902	602	11	.	.	PUNCT
cjfa-30902	603	1	stulz	stulz	ADJ
cjfa-30902	603	2	,	,	PUNCT
cjfa-30902	603	3	r.m	r.m	PROPN
cjfa-30902	603	4	.	.	PROPN
cjfa-30902	603	5	,	,	PUNCT
cjfa-30902	603	6	&	&	CCONJ
cjfa-30902	603	7	smith	smith	PROPN
cjfa-30902	603	8	,	,	PUNCT
cjfa-30902	603	9	c.w	c.w	PROPN
cjfa-30902	603	10	.	.	PROPN
cjfa-30902	603	11	(	(	PUNCT
cjfa-30902	603	12	1985	1985	NUM
cjfa-30902	603	13	)	)	PUNCT
cjfa-30902	603	14	.	.	PUNCT
cjfa-30902	604	1	the	the	DET
cjfa-30902	604	2	determinants	determinant	NOUN
cjfa-30902	604	3	of	of	ADP
cjfa-30902	604	4	firm	firm	NOUN
cjfa-30902	604	5	’s	’s	PART
cjfa-30902	604	6	hedging	hedging	NOUN
cjfa-30902	604	7	policies	policy	NOUN
cjfa-30902	604	8	.	.	PUNCT
cjfa-30902	605	1	journal	journal	NOUN
cjfa-30902	605	2	of	of	ADP
cjfa-30902	605	3	financial	financial	ADJ
cjfa-30902	605	4	and	and	CCONJ
cjfa-30902	605	5	quantitative	quantitative	ADJ
cjfa-30902	605	6	analysis	analysis	NOUN
cjfa-30902	605	7	,	,	PUNCT
cjfa-30902	605	8	20(4	20(4	NOUN
cjfa-30902	605	9	)	)	PUNCT
cjfa-30902	605	10	,	,	PUNCT
cjfa-30902	605	11	391	391	NUM
cjfa-30902	605	12	-	-	SYM
cjfa-30902	605	13	406	406	NUM
cjfa-30902	605	14	.	.	PUNCT
cjfa-30902	606	1	https://dx.doi.org/10.2307/	https://dx.doi.org/10.2307/	NUM
cjfa-30902	606	2	2330757	2330757	NUM
cjfa-30902	606	3	.	.	PUNCT
cjfa-30902	607	1	toutou	toutou	PROPN
cjfa-30902	607	2	,	,	PUNCT
cjfa-30902	607	3	j.	j.	PROPN
cjfa-30902	607	4	,	,	PUNCT
cjfa-30902	607	5	&	&	CCONJ
cjfa-30902	607	6	xiaodong	xiaodong	PROPN
cjfa-30902	607	7	x.	x.	PROPN
cjfa-30902	607	8	(	(	PUNCT
cjfa-30902	607	9	2011	2011	NUM
cjfa-30902	607	10	)	)	PUNCT
cjfa-30902	607	11	.	.	PUNCT
cjfa-30902	608	1	the	the	DET
cjfa-30902	608	2	relationship	relationship	NOUN
cjfa-30902	608	3	between	between	ADP
cjfa-30902	608	4	liquidity	liquidity	NOUN
cjfa-30902	608	5	risk	risk	NOUN
cjfa-30902	608	6	and	and	CCONJ
cjfa-30902	608	7	performance	performance	NOUN
cjfa-30902	608	8	,	,	PUNCT
cjfa-30902	608	9	an	an	DET
cjfa-30902	608	10	empirical	empirical	ADJ
cjfa-30902	608	11	study	study	NOUN
cjfa-30902	608	12	of	of	ADP
cjfa-30902	608	13	banks	bank	NOUN
cjfa-30902	608	14	in	in	ADP
cjfa-30902	608	15	europe	europe	PROPN
cjfa-30902	608	16	2005	2005	NUM
cjfa-30902	608	17	-	-	SYM
cjfa-30902	608	18	2010	2010	NUM
cjfa-30902	608	19	.	.	PUNCT
cjfa-30902	609	1	umeå	umeå	ADJ
cjfa-30902	609	2	:	:	PUNCT
cjfa-30902	609	3	umea	umea	VERB
cjfa-30902	609	4	school	school	NOUN
cjfa-30902	609	5	of	of	ADP
cjfa-30902	609	6	business	business	NOUN
cjfa-30902	609	7	.	.	PUNCT
cjfa-30902	610	1	https://urn.kb.se/resolve?urn=urn%3anbn%3ase%3aumu%3adiva-54456	https://urn.kb.se/resolve?urn=urn%3anbn%3ase%3aumu%3adiva-54456	PROPN
cjfa-30902	610	2	.	.	PUNCT
cjfa-30902	611	1	trofimov	trofimov	PROPN
cjfa-30902	611	2	,	,	PUNCT
cjfa-30902	611	3	i.d	i.d	PROPN
cjfa-30902	611	4	.	.	PROPN
cjfa-30902	611	5	,	,	PUNCT
cjfa-30902	611	6	aris	aris	PROPN
cjfa-30902	611	7	,	,	PUNCT
cjfa-30902	611	8	n.m	n.m	PROPN
cjfa-30902	611	9	.	.	PROPN
cjfa-30902	611	10	,	,	PUNCT
cjfa-30902	611	11	&	&	CCONJ
cjfa-30902	611	12	ying	ying	PROPN
cjfa-30902	611	13	ying	ying	PROPN
cjfa-30902	611	14	,	,	PUNCT
cjfa-30902	611	15	j.k	j.k	PROPN
cjfa-30902	611	16	.	.	PROPN
cjfa-30902	611	17	(	(	PUNCT
cjfa-30902	611	18	2018	2018	NUM
cjfa-30902	611	19	)	)	PUNCT
cjfa-30902	611	20	.	.	PUNCT
cjfa-30902	612	1	determinants	determinant	NOUN
cjfa-30902	612	2	of	of	ADP
cjfa-30902	612	3	commercial	commercial	ADJ
cjfa-30902	612	4	banks	bank	NOUN
cjfa-30902	612	5	’	'	PUNCT
cjfa-30902	612	6	profitability	profitability	NOUN
cjfa-30902	612	7	in	in	ADP
cjfa-30902	612	8	malaysia	malaysia	PROPN
cjfa-30902	612	9	.	.	PUNCT
cjfa-30902	613	1	management	management	NOUN
cjfa-30902	613	2	and	and	CCONJ
cjfa-30902	613	3	economics	economic	NOUN
cjfa-30902	613	4	review	review	PROPN
cjfa-30902	613	5	,	,	PUNCT
cjfa-30902	613	6	3(1	3(1	NUM
cjfa-30902	613	7	)	)	PUNCT
cjfa-30902	613	8	,	,	PUNCT
cjfa-30902	613	9	85	85	NUM
cjfa-30902	613	10	-	-	SYM
cjfa-30902	613	11	101	101	NUM
cjfa-30902	613	12	.	.	PUNCT
cjfa-30902	614	1	http://	http://	PROPN
cjfa-30902	614	2	dx.doi.org/10.24818/mer/2018.06-07	dx.doi.org/10.24818/mer/2018.06-07	PROPN
cjfa-30902	614	3	.	.	PUNCT
cjfa-30902	615	1	tufano	tufano	ADJ
cjfa-30902	615	2	,	,	PUNCT
cjfa-30902	615	3	p.	p.	NOUN
cjfa-30902	615	4	(	(	PUNCT
cjfa-30902	615	5	2003	2003	NUM
cjfa-30902	615	6	)	)	PUNCT
cjfa-30902	615	7	.	.	PUNCT
cjfa-30902	616	1	financial	financial	ADJ
cjfa-30902	616	2	innovation	innovation	NOUN
cjfa-30902	616	3	.	.	PUNCT
cjfa-30902	617	1	in	in	ADP
cjfa-30902	617	2	g.m	g.m	PROPN
cjfa-30902	617	3	.	.	PROPN
cjfa-30902	617	4	constantinides	constantinides	PROPN
cjfa-30902	617	5	,	,	PUNCT
cjfa-30902	617	6	m.	m.	PROPN
cjfa-30902	617	7	harris	harris	PROPN
cjfa-30902	617	8	,	,	PUNCT
cjfa-30902	617	9	r.m	r.m	PROPN
cjfa-30902	617	10	.	.	PROPN
cjfa-30902	617	11	stulz	stulz	PROPN
cjfa-30902	617	12	(	(	PUNCT
cjfa-30902	617	13	eds	ed	NOUN
cjfa-30902	617	14	.	.	PUNCT
cjfa-30902	617	15	)	)	PUNCT
cjfa-30902	617	16	.	.	PUNCT
cjfa-30902	618	1	handbook	handbook	NOUN
cjfa-30902	618	2	of	of	ADP
cjfa-30902	618	3	the	the	DET
cjfa-30902	618	4	economics	economic	NOUN
cjfa-30902	618	5	of	of	ADP
cjfa-30902	618	6	finance	finance	NOUN
cjfa-30902	618	7	.	.	PUNCT
cjfa-30902	619	1	amsterdam	amsterdam	PROPN
cjfa-30902	619	2	:	:	PUNCT
cjfa-30902	619	3	elsevier	elsevier	PROPN
cjfa-30902	619	4	.	.	PUNCT
cjfa-30902	620	1	https://dx.doi	https://dx.doi	PROPN
cjfa-30902	620	2	.	.	PUNCT
cjfa-30902	621	1	org/10.1016	org/10.1016	PROPN
cjfa-30902	621	2	/	/	SYM
cjfa-30902	621	3	s1574	s1574	PROPN
cjfa-30902	621	4	-	-	PUNCT
cjfa-30902	621	5	0102(03)01010	0102(03)01010	NOUN
cjfa-30902	621	6	-	-	PUNCT
cjfa-30902	621	7	0	0	PROPN
cjfa-30902	621	8	.	.	PUNCT
cjfa-30902	622	1	tunay	tunay	PROPN
cjfa-30902	622	2	,	,	PUNCT
cjfa-30902	622	3	k.b	k.b	PROPN
cjfa-30902	622	4	.	.	PROPN
cjfa-30902	622	5	,	,	PUNCT
cjfa-30902	622	6	tunay	tunay	PROPN
cjfa-30902	622	7	,	,	PUNCT
cjfa-30902	622	8	n.	n.	NOUN
cjfa-30902	622	9	,	,	PUNCT
cjfa-30902	622	10	&	&	CCONJ
cjfa-30902	622	11	akhisar	akhisar	PROPN
cjfa-30902	622	12	,	,	PUNCT
cjfa-30902	622	13	i.	i.	PROPN
cjfa-30902	622	14	(	(	PUNCT
cjfa-30902	622	15	2015	2015	NUM
cjfa-30902	622	16	)	)	PUNCT
cjfa-30902	622	17	.	.	PUNCT
cjfa-30902	623	1	the	the	DET
cjfa-30902	623	2	effects	effect	NOUN
cjfa-30902	623	3	of	of	ADP
cjfa-30902	623	4	innovations	innovation	NOUN
cjfa-30902	623	5	on	on	ADP
cjfa-30902	623	6	bank	bank	NOUN
cjfa-30902	623	7	performance	performance	NOUN
cjfa-30902	623	8	:	:	PUNCT
cjfa-30902	623	9	the	the	DET
cjfa-30902	623	10	case	case	NOUN
cjfa-30902	623	11	of	of	ADP
cjfa-30902	623	12	electronic	electronic	ADJ
cjfa-30902	623	13	banking	banking	NOUN
cjfa-30902	623	14	services	service	NOUN
cjfa-30902	623	15	.	.	PUNCT
cjfa-30902	624	1	procedia	procedia	PROPN
cjfa-30902	624	2	social	social	ADJ
cjfa-30902	624	3	and	and	CCONJ
cjfa-30902	624	4	behavioral	behavioral	ADJ
cjfa-30902	624	5	sciences	science	NOUN
cjfa-30902	624	6	,	,	PUNCT
cjfa-30902	624	7	195	195	NUM
cjfa-30902	624	8	,	,	PUNCT
cjfa-30902	624	9	369	369	NUM
cjfa-30902	624	10	-	-	SYM
cjfa-30902	624	11	375	375	NUM
cjfa-30902	624	12	.	.	PUNCT
cjfa-30902	625	1	https://dx.doi.org/10.1016/j.sbspro.2015.06.336	https://dx.doi.org/10.1016/j.sbspro.2015.06.336	PROPN
cjfa-30902	625	2	.	.	PUNCT
cjfa-30902	626	1	ghazi	ghazi	PROPN
cjfa-30902	626	2	zouari	zouari	PROPN
cjfa-30902	626	3	,	,	PUNCT
cjfa-30902	626	4	imen	iman	NOUN
cjfa-30902	626	5	abdelmalek100	abdelmalek100	PROPN
cjfa-30902	626	6	usman	usman	PROPN
cjfa-30902	626	7	,	,	PUNCT
cjfa-30902	626	8	m.	m.	NOUN
cjfa-30902	626	9	(	(	PUNCT
cjfa-30902	626	10	2016	2016	NUM
cjfa-30902	626	11	)	)	PUNCT
cjfa-30902	626	12	.	.	PUNCT
cjfa-30902	627	1	bank	bank	NOUN
cjfa-30902	627	2	performance	performance	NOUN
cjfa-30902	627	3	,	,	PUNCT
cjfa-30902	627	4	risk	risk	NOUN
cjfa-30902	627	5	and	and	CCONJ
cjfa-30902	627	6	economic	economic	ADJ
cjfa-30902	627	7	growth	growth	NOUN
cjfa-30902	627	8	:	:	PUNCT
cjfa-30902	627	9	role	role	NOUN
cjfa-30902	627	10	of	of	ADP
cjfa-30902	627	11	financial	financial	ADJ
cjfa-30902	627	12	innovation	innovation	NOUN
cjfa-30902	627	13	.	.	PUNCT
cjfa-30902	628	1	journal	journal	PROPN
cjfa-30902	628	2	on	on	ADP
cjfa-30902	628	3	innovation	innovation	NOUN
cjfa-30902	628	4	and	and	CCONJ
cjfa-30902	628	5	sustainability	sustainability	NOUN
cjfa-30902	628	6	,	,	PUNCT
cjfa-30902	628	7	7(3	7(3	NUM
cjfa-30902	628	8	)	)	PUNCT
cjfa-30902	628	9	,	,	PUNCT
cjfa-30902	628	10	3	3	NUM
cjfa-30902	628	11	-	-	SYM
cjfa-30902	628	12	16	16	NUM
cjfa-30902	628	13	.	.	PUNCT
cjfa-30902	629	1	https://dx.doi	https://dx.doi	PROPN
cjfa-30902	629	2	.	.	PUNCT
cjfa-30902	630	1	org/10.24212/2179	org/10.24212/2179	NOUN
cjfa-30902	630	2	-	-	PROPN
cjfa-30902	630	3	3565.2016v7i3p3	3565.2016v7i3p3	NUM
cjfa-30902	630	4	-	-	SYM
cjfa-30902	630	5	22	22	NUM
cjfa-30902	630	6	.	.	PUNCT
cjfa-30902	631	1	wang	wang	PROPN
cjfa-30902	631	2	,	,	PUNCT
cjfa-30902	631	3	m.s	m.s	PROPN
cjfa-30902	631	4	.	.	PROPN
cjfa-30902	631	5	(	(	PUNCT
cjfa-30902	631	6	2014	2014	NUM
cjfa-30902	631	7	)	)	PUNCT
cjfa-30902	631	8	.	.	PUNCT
cjfa-30902	632	1	financial	financial	ADJ
cjfa-30902	632	2	innovation	innovation	NOUN
cjfa-30902	632	3	,	,	PUNCT
cjfa-30902	632	4	basel	basel	PROPN
cjfa-30902	632	5	accord	accord	PROPN
cjfa-30902	632	6	iii	iii	PROPN
cjfa-30902	632	7	,	,	PUNCT
cjfa-30902	632	8	and	and	CCONJ
cjfa-30902	632	9	bank	bank	NOUN
cjfa-30902	632	10	value	value	NOUN
cjfa-30902	632	11	.	.	PUNCT
cjfa-30902	633	1	emerging	emerge	VERB
cjfa-30902	633	2	markets	market	NOUN
cjfa-30902	633	3	finance	finance	NOUN
cjfa-30902	633	4	and	and	CCONJ
cjfa-30902	633	5	trade	trade	NOUN
cjfa-30902	633	6	,	,	PUNCT
cjfa-30902	633	7	50(2	50(2	NUM
cjfa-30902	633	8	)	)	PUNCT
cjfa-30902	633	9	,	,	PUNCT
cjfa-30902	633	10	23	23	NUM
cjfa-30902	633	11	-	-	SYM
cjfa-30902	633	12	42	42	NUM
cjfa-30902	633	13	.	.	PUNCT
cjfa-30902	634	1	https://dx.doi.org/10.2753/ree1540496x5002s202	https://dx.doi.org/10.2753/ree1540496x5002s202	ADJ
cjfa-30902	634	2	.	.	PUNCT
cjfa-30902	635	1	wanjohi	wanjohi	PROPN
cjfa-30902	635	2	,	,	PUNCT
cjfa-30902	635	3	s.m	s.m	PROPN
cjfa-30902	635	4	.	.	PROPN
cjfa-30902	635	5	,	,	PUNCT
cjfa-30902	635	6	wanjohi	wanjohi	PROPN
cjfa-30902	635	7	,	,	PUNCT
cjfa-30902	635	8	j.g	j.g	PROPN
cjfa-30902	635	9	.	.	PROPN
cjfa-30902	635	10	,	,	PUNCT
cjfa-30902	635	11	&	&	CCONJ
cjfa-30902	635	12	ndambiri	ndambiri	PROPN
cjfa-30902	635	13	,	,	PUNCT
cjfa-30902	635	14	j.m	j.m	PROPN
cjfa-30902	635	15	.	.	PROPN
cjfa-30902	635	16	(	(	PUNCT
cjfa-30902	635	17	2017	2017	NUM
cjfa-30902	635	18	)	)	PUNCT
cjfa-30902	635	19	.	.	PUNCT
cjfa-30902	636	1	the	the	DET
cjfa-30902	636	2	effect	effect	NOUN
cjfa-30902	636	3	of	of	ADP
cjfa-30902	636	4	financial	financial	ADJ
cjfa-30902	636	5	risk	risk	NOUN
cjfa-30902	636	6	management	management	NOUN
cjfa-30902	636	7	on	on	ADP
cjfa-30902	636	8	the	the	DET
cjfa-30902	636	9	financial	financial	ADJ
cjfa-30902	636	10	performance	performance	NOUN
cjfa-30902	636	11	of	of	ADP
cjfa-30902	636	12	commercial	commercial	ADJ
cjfa-30902	636	13	banks	bank	NOUN
cjfa-30902	636	14	in	in	ADP
cjfa-30902	636	15	kenya	kenya	PROPN
cjfa-30902	636	16	.	.	PUNCT
cjfa-30902	637	1	international	international	ADJ
cjfa-30902	637	2	journal	journal	PROPN
cjfa-30902	637	3	of	of	ADP
cjfa-30902	637	4	finance	finance	NOUN
cjfa-30902	637	5	and	and	CCONJ
cjfa-30902	637	6	banking	banking	NOUN
cjfa-30902	637	7	research	research	NOUN
cjfa-30902	637	8	,	,	PUNCT
cjfa-30902	637	9	3(5	3(5	NUM
cjfa-30902	637	10	)	)	PUNCT
cjfa-30902	637	11	,	,	PUNCT
cjfa-30902	637	12	70	70	NUM
cjfa-30902	637	13	-	-	SYM
cjfa-30902	637	14	81	81	NUM
cjfa-30902	637	15	.	.	PUNCT
cjfa-30902	638	1	http://dx.doi.org/10.11648/j	http://dx.doi.org/10.11648/j	PROPN
cjfa-30902	638	2	.	.	PUNCT
cjfa-30902	639	1	ijfbr.20170305	ijfbr.20170305	PROPN
cjfa-30902	639	2	.	.	PUNCT
cjfa-30902	639	3	williamson	williamson	PROPN
cjfa-30902	639	4	,	,	PUNCT
cjfa-30902	639	5	o.e	o.e	PROPN
cjfa-30902	639	6	.	.	PUNCT
cjfa-30902	639	7	(	(	PUNCT
cjfa-30902	639	8	1985	1985	NUM
cjfa-30902	639	9	)	)	PUNCT
cjfa-30902	639	10	.	.	PUNCT
cjfa-30902	640	1	the	the	DET
cjfa-30902	640	2	economic	economic	ADJ
cjfa-30902	640	3	institutions	institution	NOUN
cjfa-30902	640	4	of	of	ADP
cjfa-30902	640	5	capitalism	capitalism	NOUN
cjfa-30902	640	6	:	:	PUNCT
cjfa-30902	640	7	firms	firm	NOUN
cjfa-30902	640	8	,	,	PUNCT
cjfa-30902	640	9	markets	market	NOUN
cjfa-30902	640	10	and	and	CCONJ
cjfa-30902	640	11	vertical	vertical	ADJ
cjfa-30902	640	12	contracting	contracting	NOUN
cjfa-30902	640	13	.	.	PUNCT
cjfa-30902	641	1	new	new	PROPN
cjfa-30902	641	2	york	york	PROPN
cjfa-30902	641	3	:	:	PUNCT
cjfa-30902	641	4	free	free	ADJ
cjfa-30902	641	5	press	press	NOUN
cjfa-30902	641	6	.	.	PUNCT
cjfa-30902	642	1	traduction	traduction	PROPN
cjfa-30902	642	2	française	française	PROPN
cjfa-30902	642	3	,	,	PUNCT
cjfa-30902	642	4	les	les	X
cjfa-30902	642	5	institutions	institution	NOUN
cjfa-30902	642	6	de	de	X
cjfa-30902	642	7	l’économie	l’économie	PROPN
cjfa-30902	642	8	,	,	PUNCT
cjfa-30902	642	9	1994	1994	NUM
cjfa-30902	642	10	,	,	PUNCT
cjfa-30902	642	11	inetreditions	inetredition	NOUN
cjfa-30902	642	12	.	.	PUNCT
cjfa-30902	643	1	xiangying	xiangying	PROPN
cjfa-30902	643	2	,	,	PUNCT
cjfa-30902	643	3	m.	m.	NOUN
cjfa-30902	643	4	,	,	PUNCT
cjfa-30902	643	5	yueyan	yueyan	PROPN
cjfa-30902	643	6	,	,	PUNCT
cjfa-30902	643	7	z.	z.	PROPN
cjfa-30902	643	8	,	,	PUNCT
cjfa-30902	643	9	&	&	CCONJ
cjfa-30902	643	10	xianhua	xianhua	PROPN
cjfa-30902	643	11	,	,	PUNCT
cjfa-30902	643	12	w.e.i	w.e.i	ADV
cjfa-30902	643	13	.	.	PUNCT
cjfa-30902	644	1	(	(	PUNCT
cjfa-30902	644	2	2015	2015	NUM
cjfa-30902	644	3	)	)	PUNCT
cjfa-30902	644	4	.	.	PUNCT
cjfa-30902	645	1	market	market	NOUN
cjfa-30902	645	2	value	value	NOUN
cjfa-30902	645	3	of	of	ADP
cjfa-30902	645	4	innovation	innovation	NOUN
cjfa-30902	645	5	:	:	PUNCT
cjfa-30902	645	6	an	an	DET
cjfa-30902	645	7	empirical	empirical	ADJ
cjfa-30902	645	8	analysis	analysis	NOUN
cjfa-30902	645	9	on	on	ADP
cjfa-30902	645	10	china	china	PROPN
cjfa-30902	645	11	’	'	PUNCT
cjfa-30902	645	12	s	s	PART
cjfa-30902	645	13	stock	stock	NOUN
cjfa-30902	645	14	market	market	NOUN
cjfa-30902	645	15	.	.	PUNCT
cjfa-30902	646	1	procedia	procedia	PROPN
cjfa-30902	646	2	computer	computer	NOUN
cjfa-30902	646	3	science	science	NOUN
cjfa-30902	646	4	,	,	PUNCT
cjfa-30902	646	5	55	55	NUM
cjfa-30902	646	6	,	,	PUNCT
cjfa-30902	646	7	1275	1275	NUM
cjfa-30902	646	8	-	-	SYM
cjfa-30902	646	9	1284	1284	NUM
cjfa-30902	646	10	.	.	PUNCT
cjfa-30902	647	1	https://dx.doi.org/10.1016/j.procs.2015.07.138	https://dx.doi.org/10.1016/j.procs.2015.07.138	PROPN
cjfa-30902	647	2	.	.	PUNCT
cjfa-30902	648	1	zeze	zeze	PROPN
cjfa-30902	648	2	,	,	PUNCT
cjfa-30902	648	3	o.s	o.s	PROPN
cjfa-30902	648	4	.	.	PROPN
cjfa-30902	648	5	(	(	PUNCT
cjfa-30902	648	6	2012	2012	NUM
cjfa-30902	648	7	)	)	PUNCT
cjfa-30902	648	8	.	.	PUNCT
cjfa-30902	649	1	the	the	DET
cjfa-30902	649	2	relationship	relationship	NOUN
cjfa-30902	649	3	between	between	ADP
cjfa-30902	649	4	credit	credit	NOUN
cjfa-30902	649	5	risk	risk	NOUN
cjfa-30902	649	6	management	management	NOUN
cjfa-30902	649	7	practices	practice	NOUN
cjfa-30902	649	8	and	and	CCONJ
cjfa-30902	649	9	financial	financial	ADJ
cjfa-30902	649	10	performance	performance	NOUN
cjfa-30902	649	11	of	of	ADP
cjfa-30902	649	12	commercial	commercial	ADJ
cjfa-30902	649	13	banks	bank	NOUN
cjfa-30902	649	14	in	in	ADP
cjfa-30902	649	15	liberia	liberia	PROPN
cjfa-30902	649	16	.	.	PUNCT
cjfa-30902	650	1	mba	mba	PROPN
cjfa-30902	650	2	unpublished	unpublished	ADJ
cjfa-30902	650	3	research	research	NOUN
cjfa-30902	650	4	project	project	NOUN
cjfa-30902	650	5	.	.	PUNCT
cjfa-30902	651	1	nairobi	nairobi	PROPN
cjfa-30902	651	2	:	:	PUNCT
cjfa-30902	651	3	university	university	NOUN
cjfa-30902	651	4	of	of	ADP
cjfa-30902	651	5	nairobi	nairobi	PROPN
cjfa-30902	651	6	.	.	PUNCT
cjfa-30902	652	1	http://erepository.uonbi.ac.ke/handle/11295/13262	http://erepository.uonbi.ac.ke/handle/11295/13262	PROPN
cjfa-30902	652	2	.	.	PUNCT
cjfa-30902	653	1	zgarni	zgarni	PROPN
cjfa-30902	653	2	,	,	PUNCT
cjfa-30902	653	3	a.	a.	PROPN
cjfa-30902	653	4	,	,	PUNCT
cjfa-30902	653	5	&	&	CCONJ
cjfa-30902	653	6	hassouna	hassouna	PROPN
cjfa-30902	653	7	,	,	PUNCT
cjfa-30902	653	8	f.	f.	PROPN
cjfa-30902	653	9	(	(	PUNCT
cjfa-30902	653	10	2018	2018	NUM
cjfa-30902	653	11	)	)	PUNCT
cjfa-30902	653	12	.	.	PUNCT
cjfa-30902	654	1	regulation	regulation	NOUN
cjfa-30902	654	2	and	and	CCONJ
cjfa-30902	654	3	bank	bank	NOUN
cjfa-30902	654	4	performance	performance	NOUN
cjfa-30902	654	5	.	.	PUNCT
cjfa-30902	655	1	the	the	DET
cjfa-30902	655	2	journal	journal	PROPN
cjfa-30902	655	3	of	of	ADP
cjfa-30902	655	4	american	american	PROPN
cjfa-30902	655	5	business	business	PROPN
cjfa-30902	655	6	review	review	PROPN
cjfa-30902	655	7	,	,	PUNCT
cjfa-30902	655	8	6(2	6(2	NUM
cjfa-30902	655	9	)	)	PUNCT
cjfa-30902	655	10	,	,	PUNCT
cjfa-30902	655	11	15	15	NUM
cjfa-30902	655	12	-	-	SYM
cjfa-30902	655	13	22	22	NUM
cjfa-30902	655	14	.	.	PUNCT
cjfa-30902	656	1	zia	zia	PROPN
cjfa-30902	656	2	,	,	PUNCT
cjfa-30902	656	3	u.-r	u.-r	PROPN
cjfa-30902	656	4	.	.	PROPN
cjfa-30902	656	5	,	,	PUNCT
cjfa-30902	656	6	muhammad	muhammad	PROPN
cjfa-30902	656	7	,	,	PUNCT
cjfa-30902	656	8	n.	n.	NOUN
cjfa-30902	656	9	,	,	PUNCT
cjfa-30902	656	10	sarwar	sarwar	PROPN
cjfa-30902	656	11	,	,	PUNCT
cjfa-30902	656	12	b.	b.	PROPN
cjfa-30902	656	13	,	,	PUNCT
cjfa-30902	656	14	&	&	CCONJ
cjfa-30902	656	15	asif	asif	PROPN
cjfa-30902	656	16	raz	raz	PROPN
cjfa-30902	656	17	,	,	PUNCT
cjfa-30902	656	18	m.	m.	NOUN
cjfa-30902	656	19	(	(	PUNCT
cjfa-30902	656	20	2019	2019	NUM
cjfa-30902	656	21	)	)	PUNCT
cjfa-30902	656	22	.	.	PUNCT
cjfa-30902	657	1	impact	impact	NOUN
cjfa-30902	657	2	of	of	ADP
cjfa-30902	657	3	risk	risk	NOUN
cjfa-30902	657	4	management	management	NOUN
cjfa-30902	657	5	strategies	strategy	NOUN
cjfa-30902	657	6	on	on	ADP
cjfa-30902	657	7	the	the	DET
cjfa-30902	657	8	credit	credit	NOUN
cjfa-30902	657	9	risk	risk	NOUN
cjfa-30902	657	10	faced	face	VERB
cjfa-30902	657	11	by	by	ADP
cjfa-30902	657	12	commercial	commercial	ADJ
cjfa-30902	657	13	banks	bank	NOUN
cjfa-30902	657	14	of	of	ADP
cjfa-30902	657	15	balochistan	balochistan	PROPN
cjfa-30902	657	16	.	.	PUNCT
cjfa-30902	658	1	financial	financial	ADJ
cjfa-30902	658	2	innovation	innovation	NOUN
cjfa-30902	658	3	,	,	PUNCT
cjfa-30902	658	4	5(44	5(44	NUM
cjfa-30902	658	5	)	)	PUNCT
cjfa-30902	658	6	,	,	PUNCT
cjfa-30902	658	7	1	1	NUM
cjfa-30902	658	8	-	-	SYM
cjfa-30902	658	9	13	13	NUM
cjfa-30902	658	10	.	.	PUNCT
cjfa-30902	659	1	https://dx.doi.org/10.1186/s40854-019-0159-8	https://dx.doi.org/10.1186/s40854-019-0159-8	X
cjfa-30902	659	2	.	.	PUNCT
cjfa-30902	660	1	zouari	zouari	PROPN
cjfa-30902	660	2	,	,	PUNCT
cjfa-30902	660	3	g.	g.	PROPN
cjfa-30902	660	4	,	,	PUNCT
cjfa-30902	660	5	&	&	CCONJ
cjfa-30902	660	6	zouari	zouari	ADJ
cjfa-30902	660	7	-	-	PUNCT
cjfa-30902	660	8	hadiji	hadiji	PROPN
cjfa-30902	660	9	,	,	PUNCT
cjfa-30902	660	10	r.	r.	PROPN
cjfa-30902	660	11	(	(	PUNCT
cjfa-30902	660	12	2014a	2014a	NUM
cjfa-30902	660	13	)	)	PUNCT
cjfa-30902	660	14	.	.	PUNCT
cjfa-30902	661	1	directors	director	NOUN
cjfa-30902	661	2	’	'	PUNCT
cjfa-30902	661	3	board	board	NOUN
cjfa-30902	661	4	,	,	PUNCT
cjfa-30902	661	5	r&d	r&d	NOUN
cjfa-30902	661	6	investment	investment	NOUN
cjfa-30902	661	7	and	and	CCONJ
cjfa-30902	661	8	the	the	DET
cjfa-30902	661	9	firm	firm	NOUN
cjfa-30902	661	10	’s	’s	PART
cjfa-30902	661	11	performance	performance	NOUN
cjfa-30902	661	12	:	:	PUNCT
cjfa-30902	661	13	evidence	evidence	NOUN
cjfa-30902	661	14	from	from	ADP
cjfa-30902	661	15	the	the	DET
cjfa-30902	661	16	french	french	ADJ
cjfa-30902	661	17	case	case	NOUN
cjfa-30902	661	18	.	.	PUNCT
cjfa-30902	662	1	corporate	corporate	ADJ
cjfa-30902	662	2	board	board	NOUN
cjfa-30902	662	3	:	:	PUNCT
cjfa-30902	662	4	role	role	NOUN
cjfa-30902	662	5	,	,	PUNCT
cjfa-30902	662	6	duties	duty	NOUN
cjfa-30902	662	7	&	&	CCONJ
cjfa-30902	662	8	composition	composition	NOUN
cjfa-30902	662	9	,	,	PUNCT
cjfa-30902	662	10	10(2	10(2	NUM
cjfa-30902	662	11	)	)	PUNCT
cjfa-30902	662	12	,	,	PUNCT
cjfa-30902	662	13	85	85	NUM
cjfa-30902	662	14	-	-	SYM
cjfa-30902	662	15	101	101	NUM
cjfa-30902	662	16	.	.	PUNCT
cjfa-30902	663	1	http://dx.doi.org/10.22495/cbv10i2art7	http://dx.doi.org/10.22495/cbv10i2art7	NOUN
cjfa-30902	663	2	.	.	PUNCT
cjfa-30902	664	1	zouari	zouari	PROPN
cjfa-30902	664	2	,	,	PUNCT
cjfa-30902	664	3	g.	g.	PROPN
cjfa-30902	664	4	,	,	PUNCT
cjfa-30902	664	5	&	&	CCONJ
cjfa-30902	664	6	zouari	zouari	ADJ
cjfa-30902	664	7	-	-	PUNCT
cjfa-30902	664	8	hadiji	hadiji	PROPN
cjfa-30902	664	9	,	,	PUNCT
cjfa-30902	664	10	r.	r.	PROPN
cjfa-30902	664	11	(	(	PUNCT
cjfa-30902	664	12	2014b	2014b	NUM
cjfa-30902	664	13	)	)	PUNCT
cjfa-30902	664	14	.	.	PUNCT
cjfa-30902	665	1	the	the	DET
cjfa-30902	665	2	indirect	indirect	ADJ
cjfa-30902	665	3	impact	impact	NOUN
cjfa-30902	665	4	of	of	ADP
cjfa-30902	665	5	the	the	DET
cjfa-30902	665	6	board	board	NOUN
cjfa-30902	665	7	of	of	ADP
cjfa-30902	665	8	directors	director	NOUN
cjfa-30902	665	9	’	'	PUNCT
cjfa-30902	665	10	composition	composition	NOUN
cjfa-30902	665	11	on	on	ADP
cjfa-30902	665	12	the	the	DET
cjfa-30902	665	13	firm	firm	NOUN
cjfa-30902	665	14	’s	’s	PART
cjfa-30902	665	15	performance	performance	NOUN
cjfa-30902	665	16	:	:	PUNCT
cjfa-30902	665	17	an	an	DET
cjfa-30902	665	18	international	international	ADJ
cjfa-30902	665	19	comparison	comparison	NOUN
cjfa-30902	665	20	.	.	PUNCT
cjfa-30902	666	1	asian	asian	ADJ
cjfa-30902	666	2	journal	journal	PROPN
cjfa-30902	666	3	of	of	ADP
cjfa-30902	666	4	empirical	empirical	ADJ
cjfa-30902	666	5	research	research	NOUN
cjfa-30902	666	6	,	,	PUNCT
cjfa-30902	666	7	4(10	4(10	NUM
cjfa-30902	666	8	)	)	PUNCT
cjfa-30902	666	9	,	,	PUNCT
cjfa-30902	666	10	468	468	NUM
cjfa-30902	666	11	-	-	SYM
cjfa-30902	666	12	487	487	NUM
cjfa-30902	666	13	.	.	PUNCT