id	sid	tid	token	lemma	pos
egc-409	1	1	eglobal	eglobal	PROPN
egc-409	1	2	congress	congress	PROPN
egc-409	1	3	hosted	host	VERB
egc-409	1	4	online	online	ADV
egc-409	1	5	from	from	ADP
egc-409	1	6	dubai	dubai	PROPN
egc-409	1	7	,	,	PUNCT
egc-409	1	8	u.	u.	PROPN
egc-409	1	9	a.	a.	PROPN
egc-409	1	10	e.	e.	PROPN
egc-409	1	11	,	,	PUNCT
egc-409	1	12	e	e	PROPN
egc-409	1	13	conference	conference	NOUN
egc-409	1	14	.	.	PUNCT
egc-409	2	1	date	date	NOUN
egc-409	2	2	:	:	PUNCT
egc-409	2	3	30th	30th	ADJ
egc-409	2	4	november	november	PROPN
egc-409	2	5	2025	2025	NUM
egc-409	2	6	website	website	NOUN
egc-409	2	7	:	:	PUNCT
egc-409	2	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	2	9	issn	issn	PROPN
egc-409	2	10	(	(	PUNCT
egc-409	2	11	e	e	NOUN
egc-409	2	12	):	):	PUNCT
egc-409	2	13	2836	2836	NUM
egc-409	2	14	-	-	SYM
egc-409	2	15	3612	3612	NUM
egc-409	2	16	21	21	NUM
egc-409	2	17	|	|	ADV
egc-409	2	18	p	p	NOUN
egc-409	2	19	a	a	DET
egc-409	2	20	g	g	NOUN
egc-409	2	21	e	e	NOUN
egc-409	2	22	improving	improve	VERB
egc-409	2	23	the	the	DET
egc-409	2	24	mechanisms	mechanism	NOUN
egc-409	2	25	of	of	ADP
egc-409	2	26	shared	share	VERB
egc-409	2	27	housing	housing	NOUN
egc-409	2	28	construction	construction	NOUN
egc-409	2	29	through	through	ADP
egc-409	2	30	the	the	DET
egc-409	2	31	introduction	introduction	NOUN
egc-409	2	32	of	of	ADP
egc-409	2	33	escrow	escrow	ADJ
egc-409	2	34	accounts	account	NOUN
egc-409	2	35	in	in	ADP
egc-409	2	36	uzbekistan	uzbekistan	PROPN
egc-409	2	37	boymakhmadov	boymakhmadov	PROPN
egc-409	2	38	alisher	alisher	PROPN
egc-409	2	39	xoliyor	xoliyor	PROPN
egc-409	2	40	ogli	ogli	PROPN
egc-409	2	41	tsue	tsue	PROPN
egc-409	2	42	assistant	assistant	NOUN
egc-409	2	43	at	at	ADP
egc-409	2	44	the	the	DET
egc-409	2	45	department	department	NOUN
egc-409	2	46	of	of	ADP
egc-409	2	47	“	"	PUNCT
egc-409	2	48	bank	bank	NOUN
egc-409	2	49	accounting	accounting	NOUN
egc-409	2	50	and	and	CCONJ
egc-409	2	51	auditing	auditing	NOUN
egc-409	2	52	”	"	PUNCT
egc-409	2	53	e	e	NOUN
egc-409	2	54	-	-	NOUN
egc-409	2	55	mail	mail	NOUN
egc-409	2	56	:	:	PUNCT
egc-409	2	57	a.boymakhmadov@tsue.uz	a.boymakhmadov@tsue.uz	X
egc-409	3	1	abstract	abstract	ADJ
egc-409	3	2	the	the	DET
egc-409	3	3	introduction	introduction	NOUN
egc-409	3	4	of	of	ADP
egc-409	3	5	escrow	escrow	ADJ
egc-409	3	6	accounts	account	NOUN
egc-409	3	7	in	in	ADP
egc-409	3	8	uzbekistan	uzbekistan	PROPN
egc-409	3	9	’s	’s	PART
egc-409	3	10	shared	share	VERB
egc-409	3	11	housing	housing	NOUN
egc-409	3	12	construction	construction	NOUN
egc-409	3	13	marks	mark	VERB
egc-409	3	14	a	a	DET
egc-409	3	15	major	major	ADJ
egc-409	3	16	step	step	NOUN
egc-409	3	17	toward	toward	ADP
egc-409	3	18	increasing	increase	VERB
egc-409	3	19	transparency	transparency	NOUN
egc-409	3	20	,	,	PUNCT
egc-409	3	21	investor	investor	NOUN
egc-409	3	22	protection	protection	NOUN
egc-409	3	23	,	,	PUNCT
egc-409	3	24	and	and	CCONJ
egc-409	3	25	financial	financial	ADJ
egc-409	3	26	discipline	discipline	NOUN
egc-409	3	27	in	in	ADP
egc-409	3	28	the	the	DET
egc-409	3	29	real	real	ADJ
egc-409	3	30	-	-	PUNCT
egc-409	3	31	estate	estate	NOUN
egc-409	3	32	sector	sector	NOUN
egc-409	3	33	.	.	PUNCT
egc-409	4	1	this	this	DET
egc-409	4	2	thesis	thesis	NOUN
egc-409	4	3	examines	examine	VERB
egc-409	4	4	the	the	DET
egc-409	4	5	essence	essence	NOUN
egc-409	4	6	,	,	PUNCT
egc-409	4	7	objectives	objective	NOUN
egc-409	4	8	,	,	PUNCT
egc-409	4	9	and	and	CCONJ
egc-409	4	10	potential	potential	ADJ
egc-409	4	11	impacts	impact	NOUN
egc-409	4	12	of	of	ADP
egc-409	4	13	presidential	presidential	ADJ
egc-409	4	14	decree	decree	NOUN
egc-409	4	15	pf-11	pf-11	NUM
egc-409	4	16	(	(	PUNCT
egc-409	4	17	january	january	PROPN
egc-409	4	18	27	27	NUM
egc-409	4	19	,	,	PUNCT
egc-409	4	20	2025	2025	NUM
egc-409	4	21	)	)	PUNCT
egc-409	4	22	,	,	PUNCT
egc-409	4	23	which	which	PRON
egc-409	4	24	regulates	regulate	VERB
egc-409	4	25	the	the	DET
egc-409	4	26	transition	transition	NOUN
egc-409	4	27	to	to	ADP
egc-409	4	28	escrowbased	escrowbase	VERB
egc-409	4	29	project	project	NOUN
egc-409	4	30	financing	financing	NOUN
egc-409	4	31	mechanisms	mechanism	NOUN
egc-409	4	32	for	for	ADP
egc-409	4	33	housing	housing	NOUN
egc-409	4	34	construction	construction	NOUN
egc-409	4	35	.	.	PUNCT
egc-409	5	1	using	use	VERB
egc-409	5	2	international	international	ADJ
egc-409	5	3	comparison	comparison	NOUN
egc-409	5	4	and	and	CCONJ
egc-409	5	5	analytical	analytical	ADJ
egc-409	5	6	review	review	NOUN
egc-409	5	7	,	,	PUNCT
egc-409	5	8	the	the	DET
egc-409	5	9	study	study	NOUN
egc-409	5	10	identifies	identify	VERB
egc-409	5	11	global	global	ADJ
egc-409	5	12	best	good	ADJ
egc-409	5	13	practices	practice	NOUN
egc-409	5	14	in	in	ADP
egc-409	5	15	project	project	NOUN
egc-409	5	16	financing	financing	NOUN
egc-409	5	17	,	,	PUNCT
egc-409	5	18	evaluates	evaluate	VERB
egc-409	5	19	their	their	PRON
egc-409	5	20	adaptation	adaptation	NOUN
egc-409	5	21	to	to	ADP
egc-409	5	22	the	the	DET
egc-409	5	23	uzbek	uzbek	PROPN
egc-409	5	24	context	context	NOUN
egc-409	5	25	,	,	PUNCT
egc-409	5	26	and	and	CCONJ
egc-409	5	27	proposes	propose	VERB
egc-409	5	28	recommendations	recommendation	NOUN
egc-409	5	29	for	for	ADP
egc-409	5	30	effective	effective	ADJ
egc-409	5	31	policy	policy	NOUN
egc-409	5	32	implementation	implementation	NOUN
egc-409	5	33	.	.	PUNCT
egc-409	6	1	keywords	keyword	NOUN
egc-409	6	2	:	:	PUNCT
egc-409	6	3	escrow	escrow	NOUN
egc-409	6	4	accounts	account	NOUN
egc-409	6	5	,	,	PUNCT
egc-409	6	6	shared	share	VERB
egc-409	6	7	construction	construction	NOUN
egc-409	6	8	,	,	PUNCT
egc-409	6	9	project	project	NOUN
egc-409	6	10	financing	financing	NOUN
egc-409	6	11	,	,	PUNCT
egc-409	6	12	housing	housing	NOUN
egc-409	6	13	market	market	NOUN
egc-409	6	14	,	,	PUNCT
egc-409	6	15	uzbekistan	uzbekistan	PROPN
egc-409	6	16	,	,	PUNCT
egc-409	6	17	investment	investment	NOUN
egc-409	6	18	protection	protection	NOUN
egc-409	6	19	,	,	PUNCT
egc-409	6	20	transparency	transparency	NOUN
egc-409	6	21	.	.	PUNCT
egc-409	7	1	housing	housing	NOUN
egc-409	7	2	construction	construction	NOUN
egc-409	7	3	has	have	AUX
egc-409	7	4	long	long	ADV
egc-409	7	5	been	be	AUX
egc-409	7	6	one	one	NUM
egc-409	7	7	of	of	ADP
egc-409	7	8	the	the	DET
egc-409	7	9	most	most	ADV
egc-409	7	10	dynamic	dynamic	ADJ
egc-409	7	11	yet	yet	CCONJ
egc-409	7	12	vulnerable	vulnerable	ADJ
egc-409	7	13	sectors	sector	NOUN
egc-409	7	14	in	in	ADP
egc-409	7	15	uzbekistan	uzbekistan	PROPN
egc-409	7	16	’s	’s	PART
egc-409	7	17	economy	economy	NOUN
egc-409	7	18	.	.	PUNCT
egc-409	8	1	rapid	rapid	ADJ
egc-409	8	2	urbanization	urbanization	NOUN
egc-409	8	3	,	,	PUNCT
egc-409	8	4	population	population	NOUN
egc-409	8	5	growth	growth	NOUN
egc-409	8	6	,	,	PUNCT
egc-409	8	7	and	and	CCONJ
egc-409	8	8	rising	rise	VERB
egc-409	8	9	living	living	NOUN
egc-409	8	10	standards	standard	NOUN
egc-409	8	11	have	have	AUX
egc-409	8	12	created	create	VERB
egc-409	8	13	increasing	increase	VERB
egc-409	8	14	demand	demand	NOUN
egc-409	8	15	for	for	ADP
egc-409	8	16	housing	housing	NOUN
egc-409	8	17	,	,	PUNCT
egc-409	8	18	but	but	CCONJ
egc-409	8	19	the	the	DET
egc-409	8	20	financing	financing	NOUN
egc-409	8	21	mechanisms	mechanism	NOUN
egc-409	8	22	have	have	AUX
egc-409	8	23	often	often	ADV
egc-409	8	24	been	be	AUX
egc-409	8	25	opaque	opaque	ADJ
egc-409	8	26	and	and	CCONJ
egc-409	8	27	risky	risky	ADJ
egc-409	8	28	.	.	PUNCT
egc-409	9	1	until	until	ADP
egc-409	9	2	recently	recently	ADV
egc-409	9	3	,	,	PUNCT
egc-409	9	4	the	the	DET
egc-409	9	5	prevalent	prevalent	ADJ
egc-409	9	6	“	"	PUNCT
egc-409	9	7	shared	share	VERB
egc-409	9	8	construction	construction	NOUN
egc-409	9	9	”	"	PUNCT
egc-409	9	10	model	model	NOUN
egc-409	9	11	exposed	expose	VERB
egc-409	9	12	individual	individual	ADJ
egc-409	9	13	investors	investor	NOUN
egc-409	9	14	(	(	PUNCT
egc-409	9	15	equity	equity	NOUN
egc-409	9	16	participants	participant	NOUN
egc-409	9	17	)	)	PUNCT
egc-409	9	18	to	to	PART
egc-409	9	19	significant	significant	ADJ
egc-409	9	20	legal	legal	ADJ
egc-409	9	21	and	and	CCONJ
egc-409	9	22	financial	financial	ADJ
egc-409	9	23	risks	risk	NOUN
egc-409	9	24	due	due	ADJ
egc-409	9	25	to	to	ADP
egc-409	9	26	weak	weak	ADJ
egc-409	9	27	guarantees	guarantee	NOUN
egc-409	9	28	and	and	CCONJ
egc-409	9	29	unregulated	unregulated	ADJ
egc-409	9	30	developer	developer	NOUN
egc-409	9	31	behavior	behavior	NOUN
egc-409	9	32	.	.	PUNCT
egc-409	10	1	recognizing	recognize	VERB
egc-409	10	2	these	these	DET
egc-409	10	3	challenges	challenge	NOUN
egc-409	10	4	,	,	PUNCT
egc-409	10	5	the	the	DET
egc-409	10	6	presidential	presidential	ADJ
egc-409	10	7	decree	decree	NOUN
egc-409	10	8	pf-11	pf-11	NUM
egc-409	10	9	of	of	ADP
egc-409	10	10	27	27	NUM
egc-409	10	11	january	january	NOUN
egc-409	10	12	2025	2025	NUM
egc-409	10	13	introduced	introduce	VERB
egc-409	10	14	a	a	DET
egc-409	10	15	new	new	ADJ
egc-409	10	16	institutional	institutional	ADJ
egc-409	10	17	framework	framework	NOUN
egc-409	10	18	aimed	aim	VERB
egc-409	10	19	at	at	ADP
egc-409	10	20	implementing	implement	VERB
egc-409	10	21	the	the	DET
egc-409	10	22	principle	principle	NOUN
egc-409	10	23	of	of	ADP
egc-409	10	24	the	the	DET
egc-409	10	25	“	"	PUNCT
egc-409	10	26	single	single	ADJ
egc-409	10	27	housing	housing	NOUN
egc-409	10	28	life	life	NOUN
egc-409	10	29	cycle	cycle	NOUN
egc-409	10	30	”	"	PUNCT
egc-409	10	31	and	and	CCONJ
egc-409	10	32	protecting	protect	VERB
egc-409	10	33	stakeholders	stakeholder	NOUN
egc-409	10	34	through	through	ADP
egc-409	10	35	escrow	escrow	NOUN
egc-409	10	36	accounts	account	NOUN
egc-409	10	37	.	.	PUNCT
egc-409	11	1	this	this	DET
egc-409	11	2	mechanism	mechanism	NOUN
egc-409	11	3	represents	represent	VERB
egc-409	11	4	a	a	DET
egc-409	11	5	structural	structural	ADJ
egc-409	11	6	shift	shift	NOUN
egc-409	11	7	toward	toward	ADP
egc-409	11	8	a	a	DET
egc-409	11	9	more	more	ADV
egc-409	11	10	transparent	transparent	ADJ
egc-409	11	11	,	,	PUNCT
egc-409	11	12	bank	bank	NOUN
egc-409	11	13	-	-	PUNCT
egc-409	11	14	controlled	control	VERB
egc-409	11	15	financing	financing	NOUN
egc-409	11	16	system	system	NOUN
egc-409	11	17	consistent	consistent	ADJ
egc-409	11	18	with	with	ADP
egc-409	11	19	international	international	ADJ
egc-409	11	20	project	project	NOUN
egc-409	11	21	-	-	PUNCT
egc-409	11	22	finance	finance	NOUN
egc-409	11	23	standards	standard	NOUN
egc-409	11	24	.	.	PUNCT
egc-409	12	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-409	12	2	mailto:a.boymakhmadov@tsue.uz	mailto:a.boymakhmadov@tsue.uz	PROPN
egc-409	12	3	eglobal	eglobal	PROPN
egc-409	12	4	congress	congress	PROPN
egc-409	12	5	hosted	host	VERB
egc-409	12	6	online	online	ADV
egc-409	12	7	from	from	ADP
egc-409	12	8	dubai	dubai	PROPN
egc-409	12	9	,	,	PUNCT
egc-409	12	10	u.	u.	PROPN
egc-409	12	11	a.	a.	PROPN
egc-409	12	12	e.	e.	PROPN
egc-409	12	13	,	,	PUNCT
egc-409	12	14	e	e	PROPN
egc-409	12	15	conference	conference	NOUN
egc-409	12	16	.	.	PUNCT
egc-409	13	1	date	date	NOUN
egc-409	13	2	:	:	PUNCT
egc-409	13	3	30th	30th	ADJ
egc-409	13	4	november	november	PROPN
egc-409	13	5	2025	2025	NUM
egc-409	13	6	website	website	NOUN
egc-409	13	7	:	:	PUNCT
egc-409	13	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	13	9	issn	issn	PROPN
egc-409	13	10	(	(	PUNCT
egc-409	13	11	e	e	NOUN
egc-409	13	12	):	):	PUNCT
egc-409	13	13	2836	2836	NUM
egc-409	13	14	-	-	SYM
egc-409	13	15	3612	3612	NUM
egc-409	13	16	22	22	NUM
egc-409	13	17	|	|	ADV
egc-409	13	18	p	p	NOUN
egc-409	13	19	a	a	DET
egc-409	13	20	g	g	NOUN
egc-409	13	21	e	e	NOUN
egc-409	13	22	the	the	DET
egc-409	13	23	research	research	NOUN
egc-409	13	24	problem	problem	NOUN
egc-409	13	25	of	of	ADP
egc-409	13	26	this	this	DET
egc-409	13	27	thesis	thesis	NOUN
egc-409	13	28	lies	lie	VERB
egc-409	13	29	in	in	ADP
egc-409	13	30	assessing	assess	VERB
egc-409	13	31	how	how	SCONJ
egc-409	13	32	the	the	DET
egc-409	13	33	newly	newly	ADV
egc-409	13	34	introduced	introduce	VERB
egc-409	13	35	escrow	escrow	NOUN
egc-409	13	36	-	-	PUNCT
egc-409	13	37	based	base	VERB
egc-409	13	38	system	system	NOUN
egc-409	13	39	will	will	AUX
egc-409	13	40	transform	transform	VERB
egc-409	13	41	project	project	NOUN
egc-409	13	42	financing	financing	NOUN
egc-409	13	43	in	in	ADP
egc-409	13	44	uzbekistan	uzbekistan	PROPN
egc-409	13	45	,	,	PUNCT
egc-409	13	46	improve	improve	VERB
egc-409	13	47	citizens	citizen	NOUN
egc-409	13	48	’	’	PART
egc-409	13	49	property	property	NOUN
egc-409	13	50	rights	right	NOUN
egc-409	13	51	protection	protection	NOUN
egc-409	13	52	,	,	PUNCT
egc-409	13	53	and	and	CCONJ
egc-409	13	54	enhance	enhance	VERB
egc-409	13	55	trust	trust	NOUN
egc-409	13	56	between	between	ADP
egc-409	13	57	developers	developer	NOUN
egc-409	13	58	,	,	PUNCT
egc-409	13	59	banks	bank	NOUN
egc-409	13	60	,	,	PUNCT
egc-409	13	61	and	and	CCONJ
egc-409	13	62	the	the	DET
egc-409	13	63	state	state	NOUN
egc-409	13	64	.	.	PUNCT
egc-409	14	1	the	the	DET
egc-409	14	2	study	study	NOUN
egc-409	14	3	further	far	ADV
egc-409	14	4	investigates	investigate	VERB
egc-409	14	5	whether	whether	SCONJ
egc-409	14	6	this	this	DET
egc-409	14	7	reform	reform	NOUN
egc-409	14	8	can	can	AUX
egc-409	14	9	ensure	ensure	VERB
egc-409	14	10	sustainable	sustainable	ADJ
egc-409	14	11	housing	housing	NOUN
egc-409	14	12	sector	sector	NOUN
egc-409	14	13	development	development	NOUN
egc-409	14	14	by	by	ADP
egc-409	14	15	balancing	balance	VERB
egc-409	14	16	investor	investor	NOUN
egc-409	14	17	safety	safety	NOUN
egc-409	14	18	,	,	PUNCT
egc-409	14	19	market	market	NOUN
egc-409	14	20	efficiency	efficiency	NOUN
egc-409	14	21	,	,	PUNCT
egc-409	14	22	and	and	CCONJ
egc-409	14	23	construction	construction	NOUN
egc-409	14	24	profitability	profitability	NOUN
egc-409	14	25	.	.	PUNCT
egc-409	15	1	in	in	ADP
egc-409	15	2	the	the	DET
egc-409	15	3	global	global	ADJ
egc-409	15	4	financial	financial	ADJ
egc-409	15	5	and	and	CCONJ
egc-409	15	6	construction	construction	NOUN
egc-409	15	7	sectors	sector	NOUN
egc-409	15	8	,	,	PUNCT
egc-409	15	9	escrow	escrow	NOUN
egc-409	15	10	accounts	account	NOUN
egc-409	15	11	are	be	AUX
egc-409	15	12	widely	widely	ADV
egc-409	15	13	recognized	recognize	VERB
egc-409	15	14	as	as	ADP
egc-409	15	15	instruments	instrument	NOUN
egc-409	15	16	ensuring	ensure	VERB
egc-409	15	17	the	the	DET
egc-409	15	18	security	security	NOUN
egc-409	15	19	of	of	ADP
egc-409	15	20	financial	financial	ADJ
egc-409	15	21	transactions	transaction	NOUN
egc-409	15	22	(	(	PUNCT
egc-409	15	23	hendershott	hendershott	NOUN
egc-409	15	24	&	&	CCONJ
egc-409	15	25	shilling	shilling	PROPN
egc-409	15	26	,	,	PUNCT
egc-409	15	27	2017	2017	NUM
egc-409	15	28	)	)	PUNCT
egc-409	15	29	.	.	PUNCT
egc-409	16	1	they	they	PRON
egc-409	16	2	are	be	AUX
egc-409	16	3	used	use	VERB
egc-409	16	4	in	in	ADP
egc-409	16	5	the	the	DET
egc-409	16	6	united	united	PROPN
egc-409	16	7	states	states	PROPN
egc-409	16	8	,	,	PUNCT
egc-409	16	9	japan	japan	PROPN
egc-409	16	10	,	,	PUNCT
egc-409	16	11	and	and	CCONJ
egc-409	16	12	the	the	DET
egc-409	16	13	european	european	PROPN
egc-409	16	14	union	union	PROPN
egc-409	16	15	to	to	PART
egc-409	16	16	protect	protect	VERB
egc-409	16	17	investors	investor	NOUN
egc-409	16	18	’	’	PART
egc-409	16	19	funds	fund	NOUN
egc-409	16	20	during	during	ADP
egc-409	16	21	project	project	NOUN
egc-409	16	22	implementation	implementation	NOUN
egc-409	16	23	.	.	PUNCT
egc-409	17	1	according	accord	VERB
egc-409	17	2	to	to	ADP
egc-409	17	3	the	the	DET
egc-409	17	4	oecd	oecd	PROPN
egc-409	17	5	(	(	PUNCT
egc-409	17	6	2021	2021	NUM
egc-409	17	7	)	)	PUNCT
egc-409	17	8	,	,	PUNCT
egc-409	17	9	escrow	escrow	NOUN
egc-409	17	10	mechanisms	mechanism	NOUN
egc-409	17	11	provide	provide	VERB
egc-409	17	12	transparency	transparency	NOUN
egc-409	17	13	,	,	PUNCT
egc-409	17	14	accountability	accountability	NOUN
egc-409	17	15	,	,	PUNCT
egc-409	17	16	and	and	CCONJ
egc-409	17	17	reduced	reduce	VERB
egc-409	17	18	default	default	NOUN
egc-409	17	19	risks	risk	NOUN
egc-409	17	20	by	by	ADP
egc-409	17	21	placing	place	VERB
egc-409	17	22	the	the	DET
egc-409	17	23	funds	fund	NOUN
egc-409	17	24	under	under	ADP
egc-409	17	25	the	the	DET
egc-409	17	26	supervision	supervision	NOUN
egc-409	17	27	of	of	ADP
egc-409	17	28	an	an	DET
egc-409	17	29	independent	independent	ADJ
egc-409	17	30	financial	financial	ADJ
egc-409	17	31	institution	institution	NOUN
egc-409	17	32	until	until	SCONJ
egc-409	17	33	contractual	contractual	ADJ
egc-409	17	34	obligations	obligation	NOUN
egc-409	17	35	are	be	AUX
egc-409	17	36	fulfilled	fulfil	VERB
egc-409	17	37	.	.	PUNCT
egc-409	18	1	in	in	ADP
egc-409	18	2	the	the	DET
egc-409	18	3	russian	russian	PROPN
egc-409	18	4	federation	federation	PROPN
egc-409	18	5	,	,	PUNCT
egc-409	18	6	the	the	DET
egc-409	18	7	federal	federal	ADJ
egc-409	18	8	law	law	NOUN
egc-409	18	9	no	no	INTJ
egc-409	18	10	.	.	PUNCT
egc-409	19	1	214	214	NUM
egc-409	19	2	-	-	PUNCT
egc-409	19	3	fz	fz	NOUN
egc-409	19	4	(	(	PUNCT
egc-409	19	5	amended	amend	VERB
egc-409	19	6	2019	2019	NUM
egc-409	19	7	)	)	PUNCT
egc-409	19	8	made	make	VERB
egc-409	19	9	escrow	escrow	ADJ
egc-409	19	10	accounts	account	NOUN
egc-409	19	11	mandatory	mandatory	ADJ
egc-409	19	12	for	for	ADP
egc-409	19	13	all	all	DET
egc-409	19	14	shared	share	VERB
egc-409	19	15	-	-	PUNCT
egc-409	19	16	construction	construction	NOUN
egc-409	19	17	projects	project	NOUN
egc-409	19	18	.	.	PUNCT
egc-409	20	1	this	this	DET
egc-409	20	2	legal	legal	ADJ
egc-409	20	3	innovation	innovation	NOUN
egc-409	20	4	successfully	successfully	ADV
egc-409	20	5	reduced	reduce	VERB
egc-409	20	6	fraud	fraud	NOUN
egc-409	20	7	cases	case	NOUN
egc-409	20	8	and	and	CCONJ
egc-409	20	9	improved	improved	ADJ
egc-409	20	10	banking	banking	NOUN
egc-409	20	11	sector	sector	NOUN
egc-409	20	12	participation	participation	NOUN
egc-409	20	13	in	in	ADP
egc-409	20	14	housing	housing	NOUN
egc-409	20	15	finance	finance	NOUN
egc-409	20	16	(	(	PUNCT
egc-409	20	17	kudrin	kudrin	NOUN
egc-409	20	18	et	et	PROPN
egc-409	20	19	al	al	PROPN
egc-409	20	20	.	.	PROPN
egc-409	20	21	,	,	PUNCT
egc-409	20	22	2020	2020	NUM
egc-409	20	23	)	)	PUNCT
egc-409	20	24	.	.	PUNCT
egc-409	21	1	similarly	similarly	ADV
egc-409	21	2	,	,	PUNCT
egc-409	21	3	china	china	PROPN
egc-409	21	4	’s	’s	PART
egc-409	21	5	housing	housing	PROPN
egc-409	21	6	and	and	CCONJ
egc-409	21	7	urban	urban	ADJ
egc-409	21	8	-	-	PUNCT
egc-409	21	9	rural	rural	ADJ
egc-409	21	10	development	development	NOUN
egc-409	21	11	law	law	NOUN
egc-409	21	12	requires	require	VERB
egc-409	21	13	developers	developer	NOUN
egc-409	21	14	to	to	PART
egc-409	21	15	deposit	deposit	VERB
egc-409	21	16	advance	advance	NOUN
egc-409	21	17	payments	payment	NOUN
egc-409	21	18	into	into	ADP
egc-409	21	19	regulated	regulated	ADJ
egc-409	21	20	escrow	escrow	NOUN
egc-409	21	21	accounts	account	NOUN
egc-409	21	22	,	,	PUNCT
egc-409	21	23	strengthening	strengthen	VERB
egc-409	21	24	consumer	consumer	NOUN
egc-409	21	25	protection	protection	NOUN
egc-409	21	26	and	and	CCONJ
egc-409	21	27	curbing	curb	VERB
egc-409	21	28	speculative	speculative	ADJ
egc-409	21	29	practices	practice	NOUN
egc-409	21	30	.	.	PUNCT
egc-409	22	1	empirical	empirical	ADJ
egc-409	22	2	studies	study	NOUN
egc-409	22	3	from	from	ADP
egc-409	22	4	south	south	PROPN
egc-409	22	5	korea	korea	PROPN
egc-409	22	6	and	and	CCONJ
egc-409	22	7	singapore	singapore	PROPN
egc-409	22	8	(	(	PUNCT
egc-409	22	9	lee	lee	PROPN
egc-409	22	10	&	&	CCONJ
egc-409	22	11	kim	kim	PROPN
egc-409	22	12	,	,	PUNCT
egc-409	22	13	2022	2022	NUM
egc-409	22	14	;	;	PUNCT
egc-409	22	15	lim	lim	PROPN
egc-409	22	16	,	,	PUNCT
egc-409	22	17	2019	2019	NUM
egc-409	22	18	)	)	PUNCT
egc-409	22	19	show	show	VERB
egc-409	22	20	that	that	SCONJ
egc-409	22	21	escrow	escrow	NOUN
egc-409	22	22	-	-	PUNCT
egc-409	22	23	based	base	VERB
egc-409	22	24	financing	financing	NOUN
egc-409	22	25	minimizes	minimize	VERB
egc-409	22	26	systemic	systemic	ADJ
egc-409	22	27	risk	risk	NOUN
egc-409	22	28	by	by	ADP
egc-409	22	29	ensuring	ensure	VERB
egc-409	22	30	that	that	SCONJ
egc-409	22	31	funds	fund	NOUN
egc-409	22	32	are	be	AUX
egc-409	22	33	released	release	VERB
egc-409	22	34	to	to	ADP
egc-409	22	35	developers	developer	NOUN
egc-409	22	36	only	only	ADV
egc-409	22	37	after	after	SCONJ
egc-409	22	38	verified	verify	VERB
egc-409	22	39	construction	construction	NOUN
egc-409	22	40	milestones	milestone	NOUN
egc-409	22	41	are	be	AUX
egc-409	22	42	achieved	achieve	VERB
egc-409	22	43	.	.	PUNCT
egc-409	23	1	in	in	ADP
egc-409	23	2	the	the	DET
egc-409	23	3	eu	eu	PROPN
egc-409	23	4	,	,	PUNCT
egc-409	23	5	the	the	DET
egc-409	23	6	basel	basel	PROPN
egc-409	23	7	iii	iii	PROPN
egc-409	23	8	and	and	CCONJ
egc-409	23	9	iv	iv	NUM
egc-409	23	10	frameworks	framework	NOUN
egc-409	23	11	emphasize	emphasize	VERB
egc-409	23	12	risk	risk	NOUN
egc-409	23	13	-	-	PUNCT
egc-409	23	14	weighted	weight	VERB
egc-409	23	15	transparency	transparency	NOUN
egc-409	23	16	in	in	ADP
egc-409	23	17	project	project	NOUN
egc-409	23	18	finance	finance	NOUN
egc-409	23	19	,	,	PUNCT
egc-409	23	20	which	which	PRON
egc-409	23	21	aligns	align	VERB
egc-409	23	22	with	with	ADP
egc-409	23	23	uzbekistan	uzbekistan	PROPN
egc-409	23	24	’s	’s	PART
egc-409	23	25	planned	plan	VERB
egc-409	23	26	credit	credit	NOUN
egc-409	23	27	allocation	allocation	NOUN
egc-409	23	28	tied	tie	VERB
egc-409	23	29	to	to	ADP
egc-409	23	30	the	the	DET
egc-409	23	31	size	size	NOUN
egc-409	23	32	of	of	ADP
egc-409	23	33	escrow	escrow	NOUN
egc-409	23	34	deposits	deposit	NOUN
egc-409	23	35	(	(	PUNCT
egc-409	23	36	european	european	ADJ
egc-409	23	37	banking	banking	NOUN
egc-409	23	38	authority	authority	NOUN
egc-409	23	39	,	,	PUNCT
egc-409	23	40	2023	2023	NUM
egc-409	23	41	)	)	PUNCT
egc-409	23	42	.	.	PUNCT
egc-409	24	1	in	in	ADP
egc-409	24	2	uzbekistan	uzbekistan	PROPN
egc-409	24	3	,	,	PUNCT
egc-409	24	4	the	the	DET
egc-409	24	5	legal	legal	ADJ
egc-409	24	6	foundation	foundation	NOUN
egc-409	24	7	for	for	ADP
egc-409	24	8	shared	share	VERB
egc-409	24	9	housing	housing	NOUN
egc-409	24	10	construction	construction	NOUN
egc-409	24	11	was	be	AUX
egc-409	24	12	initially	initially	ADV
egc-409	24	13	defined	define	VERB
egc-409	24	14	by	by	ADP
egc-409	24	15	the	the	DET
egc-409	24	16	regulation	regulation	NOUN
egc-409	24	17	no	no	INTJ
egc-409	24	18	.	.	PUNCT
egc-409	25	1	pq-4732	pq-4732	NOUN
egc-409	25	2	(	(	PUNCT
egc-409	25	3	2020	2020	NUM
egc-409	25	4	)	)	PUNCT
egc-409	25	5	.	.	PUNCT
egc-409	26	1	however	however	ADV
egc-409	26	2	,	,	PUNCT
egc-409	26	3	enforcement	enforcement	NOUN
egc-409	26	4	remained	remain	VERB
egc-409	26	5	weak	weak	ADJ
egc-409	26	6	due	due	ADP
egc-409	26	7	to	to	ADP
egc-409	26	8	the	the	DET
egc-409	26	9	absence	absence	NOUN
egc-409	26	10	of	of	ADP
egc-409	26	11	banking	banking	NOUN
egc-409	26	12	oversight	oversight	NOUN
egc-409	26	13	and	and	CCONJ
egc-409	26	14	digital	digital	ADJ
egc-409	26	15	monitoring	monitoring	NOUN
egc-409	26	16	.	.	PUNCT
egc-409	27	1	scholarly	scholarly	ADJ
egc-409	27	2	works	work	NOUN
egc-409	27	3	(	(	PUNCT
egc-409	27	4	karimov	karimov	NOUN
egc-409	27	5	,	,	PUNCT
egc-409	27	6	2022	2022	NUM
egc-409	27	7	;	;	PUNCT
egc-409	27	8	mirzayev	mirzayev	PROPN
egc-409	27	9	,	,	PUNCT
egc-409	27	10	2023	2023	NUM
egc-409	27	11	)	)	PUNCT
egc-409	27	12	highlighted	highlight	VERB
egc-409	27	13	the	the	DET
egc-409	27	14	need	need	NOUN
egc-409	27	15	for	for	ADP
egc-409	27	16	financial	financial	ADJ
egc-409	27	17	intermediation	intermediation	NOUN
egc-409	27	18	and	and	CCONJ
egc-409	27	19	escrow	escrow	ADJ
egc-409	27	20	supervision	supervision	NOUN
egc-409	27	21	to	to	PART
egc-409	27	22	safeguard	safeguard	VERB
egc-409	27	23	equity	equity	NOUN
egc-409	27	24	participants	participant	NOUN
egc-409	27	25	.	.	PUNCT
egc-409	28	1	the	the	DET
egc-409	28	2	new	new	ADJ
egc-409	28	3	presidential	presidential	ADJ
egc-409	28	4	decree	decree	NOUN
egc-409	28	5	pf-11	pf-11	NUM
egc-409	28	6	(	(	PUNCT
egc-409	28	7	2025	2025	NUM
egc-409	28	8	)	)	PUNCT
egc-409	28	9	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	28	10	eglobal	eglobal	PROPN
egc-409	28	11	congress	congress	PROPN
egc-409	28	12	hosted	host	VERB
egc-409	28	13	online	online	ADV
egc-409	28	14	from	from	ADP
egc-409	28	15	dubai	dubai	PROPN
egc-409	28	16	,	,	PUNCT
egc-409	28	17	u.	u.	PROPN
egc-409	28	18	a.	a.	PROPN
egc-409	28	19	e.	e.	PROPN
egc-409	28	20	,	,	PUNCT
egc-409	28	21	e	e	PROPN
egc-409	28	22	conference	conference	NOUN
egc-409	28	23	.	.	PUNCT
egc-409	29	1	date	date	NOUN
egc-409	29	2	:	:	PUNCT
egc-409	29	3	30th	30th	ADJ
egc-409	29	4	november	november	PROPN
egc-409	29	5	2025	2025	NUM
egc-409	29	6	website	website	NOUN
egc-409	29	7	:	:	PUNCT
egc-409	29	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	29	9	issn	issn	PROPN
egc-409	29	10	(	(	PUNCT
egc-409	29	11	e	e	NOUN
egc-409	29	12	):	):	PUNCT
egc-409	29	13	2836	2836	NUM
egc-409	29	14	-	-	SYM
egc-409	29	15	3612	3612	NUM
egc-409	29	16	23	23	NUM
egc-409	30	1	|	|	ADV
egc-409	30	2	p	p	NOUN
egc-409	30	3	a	a	DET
egc-409	30	4	g	g	NOUN
egc-409	30	5	e	e	NOUN
egc-409	30	6	directly	directly	ADV
egc-409	30	7	addresses	address	VERB
egc-409	30	8	these	these	DET
egc-409	30	9	gaps	gap	NOUN
egc-409	30	10	by	by	ADP
egc-409	30	11	introducing	introduce	VERB
egc-409	30	12	mandatory	mandatory	ADJ
egc-409	30	13	escrow	escrow	NOUN
egc-409	30	14	accounts	account	NOUN
egc-409	30	15	,	,	PUNCT
egc-409	30	16	electronic	electronic	ADJ
egc-409	30	17	construction	construction	NOUN
egc-409	30	18	platforms	platform	NOUN
egc-409	30	19	,	,	PUNCT
egc-409	30	20	and	and	CCONJ
egc-409	30	21	bank	bank	NOUN
egc-409	30	22	-	-	PUNCT
egc-409	30	23	linked	link	VERB
egc-409	30	24	project	project	NOUN
egc-409	30	25	financing	financing	NOUN
egc-409	30	26	.	.	PUNCT
egc-409	31	1	an	an	DET
egc-409	31	2	escrow	escrow	NOUN
egc-409	31	3	account	account	NOUN
egc-409	31	4	is	be	AUX
egc-409	31	5	a	a	DET
egc-409	31	6	special	special	ADJ
egc-409	31	7	type	type	NOUN
egc-409	31	8	of	of	ADP
egc-409	31	9	account	account	NOUN
egc-409	31	10	opened	open	VERB
egc-409	31	11	at	at	ADP
egc-409	31	12	a	a	DET
egc-409	31	13	commercial	commercial	ADJ
egc-409	31	14	bank	bank	NOUN
egc-409	31	15	in	in	ADP
egc-409	31	16	which	which	PRON
egc-409	31	17	the	the	DET
egc-409	31	18	client	client	NOUN
egc-409	31	19	’s	’s	PART
egc-409	31	20	(	(	PUNCT
egc-409	31	21	depositor	depositor	NOUN
egc-409	31	22	’s	’s	PART
egc-409	31	23	)	)	PUNCT
egc-409	31	24	funds	fund	NOUN
egc-409	31	25	are	be	AUX
egc-409	31	26	held	hold	VERB
egc-409	31	27	until	until	SCONJ
egc-409	31	28	certain	certain	ADJ
egc-409	31	29	contractual	contractual	ADJ
egc-409	31	30	conditions	condition	NOUN
egc-409	31	31	are	be	AUX
egc-409	31	32	fulfilled	fulfil	VERB
egc-409	31	33	.	.	PUNCT
egc-409	32	1	in	in	ADP
egc-409	32	2	this	this	DET
egc-409	32	3	mechanism	mechanism	NOUN
egc-409	32	4	,	,	PUNCT
egc-409	32	5	the	the	DET
egc-409	32	6	bank	bank	NOUN
egc-409	32	7	acts	act	VERB
egc-409	32	8	as	as	ADP
egc-409	32	9	an	an	DET
egc-409	32	10	intermediary	intermediary	NOUN
egc-409	32	11	:	:	PUNCT
egc-409	32	12	the	the	DET
egc-409	32	13	funds	fund	NOUN
egc-409	32	14	are	be	AUX
egc-409	32	15	not	not	PART
egc-409	32	16	fully	fully	ADV
egc-409	32	17	transferred	transfer	VERB
egc-409	32	18	either	either	ADV
egc-409	32	19	to	to	ADP
egc-409	32	20	the	the	DET
egc-409	32	21	seller	seller	NOUN
egc-409	32	22	or	or	CCONJ
egc-409	32	23	the	the	DET
egc-409	32	24	buyer	buyer	NOUN
egc-409	32	25	but	but	CCONJ
egc-409	32	26	are	be	AUX
egc-409	32	27	released	release	VERB
egc-409	32	28	to	to	ADP
egc-409	32	29	the	the	DET
egc-409	32	30	respective	respective	ADJ
egc-409	32	31	party	party	NOUN
egc-409	32	32	only	only	ADV
egc-409	32	33	after	after	SCONJ
egc-409	32	34	all	all	DET
egc-409	32	35	the	the	DET
egc-409	32	36	terms	term	NOUN
egc-409	32	37	of	of	ADP
egc-409	32	38	the	the	DET
egc-409	32	39	agreement	agreement	NOUN
egc-409	32	40	have	have	AUX
egc-409	32	41	been	be	AUX
egc-409	32	42	satisfied	satisfied	ADJ
egc-409	32	43	.	.	PUNCT
egc-409	33	1	in	in	ADP
egc-409	33	2	this	this	DET
egc-409	33	3	way	way	NOUN
egc-409	33	4	,	,	PUNCT
egc-409	33	5	the	the	DET
egc-409	33	6	escrow	escrow	NOUN
egc-409	33	7	account	account	NOUN
egc-409	33	8	functions	function	NOUN
egc-409	33	9	as	as	ADP
egc-409	33	10	a	a	DET
egc-409	33	11	third	third	ADJ
egc-409	33	12	-	-	PUNCT
egc-409	33	13	party	party	NOUN
egc-409	33	14	guarantee	guarantee	NOUN
egc-409	33	15	,	,	PUNCT
egc-409	33	16	ensuring	ensure	VERB
egc-409	33	17	trust	trust	NOUN
egc-409	33	18	and	and	CCONJ
egc-409	33	19	transparency	transparency	NOUN
egc-409	33	20	in	in	ADP
egc-409	33	21	economic	economic	ADJ
egc-409	33	22	relations	relation	NOUN
egc-409	33	23	.	.	PUNCT
egc-409	34	1	in	in	ADP
egc-409	34	2	the	the	DET
egc-409	34	3	banking	banking	NOUN
egc-409	34	4	system	system	NOUN
egc-409	34	5	,	,	PUNCT
egc-409	34	6	the	the	DET
egc-409	34	7	significance	significance	NOUN
egc-409	34	8	of	of	ADP
egc-409	34	9	escrow	escrow	NOUN
egc-409	34	10	accounts	account	NOUN
egc-409	34	11	is	be	AUX
egc-409	34	12	reflected	reflect	VERB
egc-409	34	13	in	in	ADP
egc-409	34	14	several	several	ADJ
egc-409	34	15	key	key	ADJ
egc-409	34	16	aspects	aspect	NOUN
egc-409	34	17	.	.	PUNCT
egc-409	35	1	first	first	ADV
egc-409	35	2	and	and	CCONJ
egc-409	35	3	foremost	foremost	ADV
egc-409	35	4	,	,	PUNCT
egc-409	35	5	it	it	PRON
egc-409	35	6	serves	serve	VERB
egc-409	35	7	as	as	ADP
egc-409	35	8	a	a	DET
egc-409	35	9	financial	financial	ADJ
egc-409	35	10	security	security	NOUN
egc-409	35	11	instrument	instrument	NOUN
egc-409	35	12	that	that	PRON
egc-409	35	13	protects	protect	VERB
egc-409	35	14	clients	client	NOUN
egc-409	35	15	’	'	PUNCT
egc-409	35	16	rights	right	NOUN
egc-409	35	17	.	.	PUNCT
egc-409	36	1	for	for	ADP
egc-409	36	2	example	example	NOUN
egc-409	36	3	,	,	PUNCT
egc-409	36	4	in	in	ADP
egc-409	36	5	the	the	DET
egc-409	36	6	housing	housing	NOUN
egc-409	36	7	construction	construction	NOUN
egc-409	36	8	sector	sector	NOUN
egc-409	36	9	,	,	PUNCT
egc-409	36	10	the	the	DET
egc-409	36	11	payments	payment	NOUN
egc-409	36	12	made	make	VERB
egc-409	36	13	by	by	ADP
egc-409	36	14	buyers	buyer	NOUN
egc-409	36	15	to	to	ADP
egc-409	36	16	developers	developer	NOUN
egc-409	36	17	are	be	AUX
egc-409	36	18	not	not	PART
egc-409	36	19	transferred	transfer	VERB
egc-409	36	20	directly	directly	ADV
egc-409	36	21	but	but	CCONJ
egc-409	36	22	are	be	AUX
egc-409	36	23	instead	instead	ADV
egc-409	36	24	deposited	deposit	VERB
egc-409	36	25	into	into	ADP
egc-409	36	26	an	an	DET
egc-409	36	27	escrow	escrow	NOUN
egc-409	36	28	account	account	NOUN
egc-409	36	29	.	.	PUNCT
egc-409	37	1	once	once	SCONJ
egc-409	37	2	the	the	DET
egc-409	37	3	construction	construction	NOUN
egc-409	37	4	work	work	NOUN
egc-409	37	5	is	be	AUX
egc-409	37	6	completed	complete	VERB
egc-409	37	7	and	and	CCONJ
egc-409	37	8	official	official	ADJ
egc-409	37	9	permission	permission	NOUN
egc-409	37	10	for	for	ADP
egc-409	37	11	use	use	NOUN
egc-409	37	12	is	be	AUX
egc-409	37	13	granted	grant	VERB
egc-409	37	14	,	,	PUNCT
egc-409	37	15	the	the	DET
egc-409	37	16	bank	bank	NOUN
egc-409	37	17	transfers	transfer	VERB
egc-409	37	18	the	the	DET
egc-409	37	19	funds	fund	NOUN
egc-409	37	20	to	to	ADP
egc-409	37	21	the	the	DET
egc-409	37	22	developer	developer	NOUN
egc-409	37	23	.	.	PUNCT
egc-409	38	1	through	through	ADP
egc-409	38	2	this	this	DET
egc-409	38	3	mechanism	mechanism	NOUN
egc-409	38	4	,	,	PUNCT
egc-409	38	5	the	the	DET
egc-409	38	6	financial	financial	ADJ
egc-409	38	7	interests	interest	NOUN
egc-409	38	8	of	of	ADP
egc-409	38	9	equity	equity	NOUN
egc-409	38	10	participants	participant	NOUN
egc-409	38	11	are	be	AUX
egc-409	38	12	fully	fully	ADV
egc-409	38	13	safeguarded.thus	safeguarded.thus	NUM
egc-409	38	14	,	,	PUNCT
egc-409	38	15	the	the	DET
egc-409	38	16	reform	reform	NOUN
egc-409	38	17	represents	represent	VERB
egc-409	38	18	both	both	PRON
egc-409	38	19	an	an	DET
egc-409	38	20	institutional	institutional	ADJ
egc-409	38	21	modernization	modernization	NOUN
egc-409	38	22	and	and	CCONJ
egc-409	38	23	a	a	DET
egc-409	38	24	financial	financial	ADJ
egc-409	38	25	innovation	innovation	NOUN
egc-409	38	26	,	,	PUNCT
egc-409	38	27	integrating	integrate	VERB
egc-409	38	28	civil	civil	ADJ
egc-409	38	29	-	-	PUNCT
egc-409	38	30	law	law	NOUN
egc-409	38	31	mechanisms	mechanism	NOUN
egc-409	38	32	with	with	ADP
egc-409	38	33	banking	banking	NOUN
egc-409	38	34	risk	risk	NOUN
egc-409	38	35	management	management	NOUN
egc-409	38	36	tools	tool	NOUN
egc-409	38	37	.	.	PUNCT
egc-409	39	1	first	first	ADV
egc-409	39	2	and	and	CCONJ
egc-409	39	3	foremost	foremost	ADV
egc-409	39	4	,	,	PUNCT
egc-409	39	5	the	the	DET
egc-409	39	6	funds	fund	NOUN
egc-409	39	7	accumulated	accumulate	VERB
egc-409	39	8	in	in	ADP
egc-409	39	9	escrow	escrow	ADJ
egc-409	39	10	accounts	account	NOUN
egc-409	39	11	serve	serve	VERB
egc-409	39	12	as	as	ADP
egc-409	39	13	an	an	DET
egc-409	39	14	inexpensive	inexpensive	ADJ
egc-409	39	15	and	and	CCONJ
egc-409	39	16	stable	stable	ADJ
egc-409	39	17	source	source	NOUN
egc-409	39	18	of	of	ADP
egc-409	39	19	resources	resource	NOUN
egc-409	39	20	for	for	ADP
egc-409	39	21	commercial	commercial	ADJ
egc-409	39	22	banks	bank	NOUN
egc-409	39	23	.	.	PUNCT
egc-409	40	1	since	since	SCONJ
egc-409	40	2	these	these	DET
egc-409	40	3	funds	fund	NOUN
egc-409	40	4	remain	remain	VERB
egc-409	40	5	on	on	ADP
egc-409	40	6	the	the	DET
egc-409	40	7	bank	bank	NOUN
egc-409	40	8	’s	’s	PART
egc-409	40	9	balance	balance	NOUN
egc-409	40	10	sheet	sheet	NOUN
egc-409	40	11	until	until	SCONJ
egc-409	40	12	the	the	DET
egc-409	40	13	contractual	contractual	ADJ
egc-409	40	14	conditions	condition	NOUN
egc-409	40	15	are	be	AUX
egc-409	40	16	fulfilled	fulfil	VERB
egc-409	40	17	,	,	PUNCT
egc-409	40	18	their	their	PRON
egc-409	40	19	circulation	circulation	NOUN
egc-409	40	20	is	be	AUX
egc-409	40	21	temporarily	temporarily	ADV
egc-409	40	22	suspended	suspend	VERB
egc-409	40	23	,	,	PUNCT
egc-409	40	24	allowing	allow	VERB
egc-409	40	25	banks	bank	NOUN
egc-409	40	26	to	to	PART
egc-409	40	27	utilize	utilize	VERB
egc-409	40	28	them	they	PRON
egc-409	40	29	as	as	ADP
egc-409	40	30	a	a	DET
egc-409	40	31	liquidity	liquidity	NOUN
egc-409	40	32	cushion	cushion	NOUN
egc-409	40	33	.	.	PUNCT
egc-409	41	1	access	access	NOUN
egc-409	41	2	to	to	ADP
egc-409	41	3	such	such	ADJ
egc-409	41	4	resources	resource	NOUN
egc-409	41	5	enables	enable	VERB
egc-409	41	6	banks	bank	NOUN
egc-409	41	7	to	to	PART
egc-409	41	8	expand	expand	VERB
egc-409	41	9	their	their	PRON
egc-409	41	10	credit	credit	NOUN
egc-409	41	11	portfolios	portfolio	NOUN
egc-409	41	12	.	.	PUNCT
egc-409	42	1	theoretically	theoretically	ADV
egc-409	42	2	,	,	PUNCT
egc-409	42	3	as	as	SCONJ
egc-409	42	4	a	a	DET
egc-409	42	5	bank	bank	NOUN
egc-409	42	6	’s	’s	PART
egc-409	42	7	resource	resource	NOUN
egc-409	42	8	base	base	NOUN
egc-409	42	9	grows	grow	VERB
egc-409	42	10	,	,	PUNCT
egc-409	42	11	its	its	PRON
egc-409	42	12	lending	lending	NOUN
egc-409	42	13	capacity	capacity	NOUN
egc-409	42	14	increases	increase	VERB
egc-409	42	15	accordingly	accordingly	ADV
egc-409	42	16	.	.	PUNCT
egc-409	43	1	the	the	DET
egc-409	43	2	mechanism	mechanism	NOUN
egc-409	43	3	of	of	ADP
egc-409	43	4	gradually	gradually	ADV
egc-409	43	5	reducing	reduce	VERB
egc-409	43	6	interest	interest	NOUN
egc-409	43	7	rates	rate	NOUN
egc-409	43	8	provides	provide	VERB
egc-409	43	9	a	a	DET
egc-409	43	10	dual	dual	ADJ
egc-409	43	11	benefit	benefit	NOUN
egc-409	43	12	.	.	PUNCT
egc-409	44	1	on	on	ADP
egc-409	44	2	the	the	DET
egc-409	44	3	one	one	NUM
egc-409	44	4	hand	hand	NOUN
egc-409	44	5	,	,	PUNCT
egc-409	44	6	it	it	PRON
egc-409	44	7	eases	ease	VERB
egc-409	44	8	the	the	DET
egc-409	44	9	financial	financial	ADJ
egc-409	44	10	burden	burden	NOUN
egc-409	44	11	on	on	ADP
egc-409	44	12	developers	developer	NOUN
egc-409	44	13	and	and	CCONJ
egc-409	44	14	motivates	motivate	VERB
egc-409	44	15	them	they	PRON
egc-409	44	16	to	to	PART
egc-409	44	17	complete	complete	VERB
egc-409	44	18	projects	project	NOUN
egc-409	44	19	on	on	ADP
egc-409	44	20	time	time	NOUN
egc-409	44	21	.	.	PUNCT
egc-409	45	1	on	on	ADP
egc-409	45	2	the	the	DET
egc-409	45	3	other	other	ADJ
egc-409	45	4	hand	hand	NOUN
egc-409	45	5	,	,	PUNCT
egc-409	45	6	it	it	PRON
egc-409	45	7	allows	allow	VERB
egc-409	45	8	banks	bank	NOUN
egc-409	45	9	to	to	PART
egc-409	45	10	expand	expand	VERB
egc-409	45	11	their	their	PRON
egc-409	45	12	lending	lending	NOUN
egc-409	45	13	volumes	volume	NOUN
egc-409	45	14	and	and	CCONJ
egc-409	45	15	attract	attract	VERB
egc-409	45	16	more	more	ADJ
egc-409	45	17	borrowers	borrower	NOUN
egc-409	45	18	.	.	PUNCT
egc-409	46	1	consequently	consequently	ADV
egc-409	46	2	,	,	PUNCT
egc-409	46	3	the	the	DET
egc-409	46	4	overall	overall	ADJ
egc-409	46	5	growth	growth	NOUN
egc-409	46	6	of	of	ADP
egc-409	46	7	the	the	DET
egc-409	46	8	loan	loan	NOUN
egc-409	46	9	portfolio	portfolio	NOUN
egc-409	46	10	leads	lead	VERB
egc-409	46	11	to	to	ADP
egc-409	46	12	an	an	DET
egc-409	46	13	increase	increase	NOUN
egc-409	46	14	in	in	ADP
egc-409	46	15	the	the	DET
egc-409	46	16	bank	bank	NOUN
egc-409	46	17	’s	’s	PART
egc-409	46	18	total	total	ADJ
egc-409	46	19	income	income	NOUN
egc-409	46	20	.	.	PUNCT
egc-409	47	1	this	this	DET
egc-409	47	2	outcome	outcome	NOUN
egc-409	47	3	corresponds	correspond	VERB
egc-409	47	4	to	to	ADP
egc-409	47	5	the	the	DET
egc-409	47	6	microeconomic	microeconomic	ADJ
egc-409	47	7	principle	principle	NOUN
egc-409	47	8	of	of	ADP
egc-409	47	9	an	an	DET
egc-409	47	10	“	"	PUNCT
egc-409	47	11	optimal	optimal	ADJ
egc-409	47	12	balance	balance	NOUN
egc-409	47	13	between	between	ADP
egc-409	47	14	volume	volume	NOUN
egc-409	47	15	and	and	CCONJ
egc-409	47	16	margin	margin	NOUN
egc-409	47	17	.	.	PUNCT
egc-409	47	18	”	"	PUNCT
egc-409	48	1	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	48	2	eglobal	eglobal	PROPN
egc-409	48	3	congress	congress	PROPN
egc-409	48	4	hosted	host	VERB
egc-409	48	5	online	online	ADV
egc-409	48	6	from	from	ADP
egc-409	48	7	dubai	dubai	PROPN
egc-409	48	8	,	,	PUNCT
egc-409	48	9	u.	u.	PROPN
egc-409	48	10	a.	a.	PROPN
egc-409	48	11	e.	e.	PROPN
egc-409	48	12	,	,	PUNCT
egc-409	48	13	e	e	PROPN
egc-409	48	14	conference	conference	NOUN
egc-409	48	15	.	.	PUNCT
egc-409	49	1	date	date	NOUN
egc-409	49	2	:	:	PUNCT
egc-409	49	3	30th	30th	ADJ
egc-409	49	4	november	november	PROPN
egc-409	49	5	2025	2025	NUM
egc-409	49	6	website	website	NOUN
egc-409	49	7	:	:	PUNCT
egc-409	49	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	49	9	issn	issn	PROPN
egc-409	49	10	(	(	PUNCT
egc-409	49	11	e	e	NOUN
egc-409	49	12	):	):	PUNCT
egc-409	49	13	2836	2836	NUM
egc-409	49	14	-	-	SYM
egc-409	49	15	3612	3612	NUM
egc-409	49	16	24	24	NUM
egc-409	49	17	|	|	ADV
egc-409	49	18	p	p	NOUN
egc-409	49	19	a	a	DET
egc-409	49	20	g	g	NOUN
egc-409	49	21	e	e	NOUN
egc-409	49	22	determining	determine	VERB
egc-409	49	23	the	the	DET
egc-409	49	24	lending	lending	NOUN
egc-409	49	25	interest	interest	NOUN
egc-409	49	26	rate	rate	NOUN
egc-409	49	27	based	base	VERB
egc-409	49	28	on	on	ADP
egc-409	49	29	the	the	DET
egc-409	49	30	amount	amount	NOUN
egc-409	49	31	accumulated	accumulate	VERB
egc-409	49	32	in	in	ADP
egc-409	49	33	escrow	escrow	NOUN
egc-409	49	34	accounts	account	NOUN
egc-409	49	35	functions	function	NOUN
egc-409	49	36	as	as	ADP
egc-409	49	37	an	an	DET
egc-409	49	38	effective	effective	ADJ
egc-409	49	39	risk	risk	NOUN
egc-409	49	40	management	management	NOUN
egc-409	49	41	tool	tool	NOUN
egc-409	49	42	for	for	ADP
egc-409	49	43	banks	bank	NOUN
egc-409	49	44	.	.	PUNCT
egc-409	50	1	the	the	PRON
egc-409	50	2	larger	large	ADJ
egc-409	50	3	the	the	DET
egc-409	50	4	volume	volume	NOUN
egc-409	50	5	of	of	ADP
egc-409	50	6	funds	fund	NOUN
egc-409	50	7	held	hold	VERB
egc-409	50	8	in	in	ADP
egc-409	50	9	escrow	escrow	NOUN
egc-409	50	10	,	,	PUNCT
egc-409	50	11	the	the	PRON
egc-409	50	12	lower	low	ADJ
egc-409	50	13	the	the	DET
egc-409	50	14	credit	credit	NOUN
egc-409	50	15	risk	risk	NOUN
egc-409	50	16	,	,	PUNCT
egc-409	50	17	since	since	SCONJ
egc-409	50	18	these	these	DET
egc-409	50	19	deposits	deposit	NOUN
egc-409	50	20	act	act	VERB
egc-409	50	21	as	as	ADP
egc-409	50	22	an	an	DET
egc-409	50	23	additional	additional	ADJ
egc-409	50	24	guarantee	guarantee	NOUN
egc-409	50	25	of	of	ADP
egc-409	50	26	the	the	DET
egc-409	50	27	developer	developer	NOUN
egc-409	50	28	’s	’s	PART
egc-409	50	29	fulfillment	fulfillment	NOUN
egc-409	50	30	of	of	ADP
egc-409	50	31	obligations	obligation	NOUN
egc-409	50	32	.	.	PUNCT
egc-409	51	1	under	under	ADP
egc-409	51	2	such	such	ADJ
egc-409	51	3	conditions	condition	NOUN
egc-409	51	4	,	,	PUNCT
egc-409	51	5	reducing	reduce	VERB
egc-409	51	6	the	the	DET
egc-409	51	7	interest	interest	NOUN
egc-409	51	8	rate	rate	NOUN
egc-409	51	9	reflects	reflect	VERB
egc-409	51	10	the	the	DET
egc-409	51	11	bank	bank	NOUN
egc-409	51	12	’s	’s	PART
egc-409	51	13	adaptive	adaptive	ADJ
egc-409	51	14	and	and	CCONJ
egc-409	51	15	risk	risk	NOUN
egc-409	51	16	-	-	PUNCT
egc-409	51	17	sensitive	sensitive	ADJ
egc-409	51	18	policy	policy	NOUN
egc-409	51	19	.	.	PUNCT
egc-409	52	1	international	international	ADJ
egc-409	52	2	experience	experience	NOUN
egc-409	52	3	also	also	ADV
egc-409	52	4	confirms	confirm	VERB
egc-409	52	5	the	the	DET
egc-409	52	6	effectiveness	effectiveness	NOUN
egc-409	52	7	of	of	ADP
egc-409	52	8	this	this	DET
egc-409	52	9	approach	approach	NOUN
egc-409	52	10	.	.	PUNCT
egc-409	53	1	for	for	ADP
egc-409	53	2	instance	instance	NOUN
egc-409	53	3	,	,	PUNCT
egc-409	53	4	since	since	SCONJ
egc-409	53	5	2019	2019	NUM
egc-409	53	6	,	,	PUNCT
egc-409	53	7	russian	russian	ADJ
egc-409	53	8	banks	bank	NOUN
egc-409	53	9	financing	finance	VERB
egc-409	53	10	construction	construction	NOUN
egc-409	53	11	projects	project	NOUN
egc-409	53	12	through	through	ADP
egc-409	53	13	escrow	escrow	NOUN
egc-409	53	14	accounts	account	NOUN
egc-409	53	15	have	have	AUX
egc-409	53	16	linked	link	VERB
egc-409	53	17	interest	interest	NOUN
egc-409	53	18	rates	rate	NOUN
egc-409	53	19	to	to	ADP
egc-409	53	20	the	the	DET
egc-409	53	21	size	size	NOUN
egc-409	53	22	of	of	ADP
egc-409	53	23	the	the	DET
egc-409	53	24	accumulated	accumulate	VERB
egc-409	53	25	deposits	deposit	NOUN
egc-409	53	26	.	.	PUNCT
egc-409	54	1	as	as	ADP
egc-409	54	2	a	a	DET
egc-409	54	3	result	result	NOUN
egc-409	54	4	,	,	PUNCT
egc-409	54	5	the	the	DET
egc-409	54	6	financial	financial	ADJ
egc-409	54	7	discipline	discipline	NOUN
egc-409	54	8	of	of	ADP
egc-409	54	9	developers	developer	NOUN
egc-409	54	10	has	have	AUX
egc-409	54	11	improved	improve	VERB
egc-409	54	12	,	,	PUNCT
egc-409	54	13	and	and	CCONJ
egc-409	54	14	the	the	DET
egc-409	54	15	profitability	profitability	NOUN
egc-409	54	16	of	of	ADP
egc-409	54	17	the	the	DET
egc-409	54	18	banking	banking	NOUN
egc-409	54	19	sector	sector	NOUN
egc-409	54	20	has	have	AUX
egc-409	54	21	become	become	VERB
egc-409	54	22	more	more	ADV
egc-409	54	23	stable	stable	ADJ
egc-409	54	24	.	.	PUNCT
egc-409	55	1	similarly	similarly	ADV
egc-409	55	2	,	,	PUNCT
egc-409	55	3	in	in	ADP
egc-409	55	4	the	the	DET
egc-409	55	5	united	united	PROPN
egc-409	55	6	states	states	PROPN
egc-409	55	7	,	,	PUNCT
egc-409	55	8	escrow	escrow	NOUN
egc-409	55	9	mechanisms	mechanism	NOUN
egc-409	55	10	in	in	ADP
egc-409	55	11	mortgage	mortgage	NOUN
egc-409	55	12	lending	lending	NOUN
egc-409	55	13	have	have	AUX
egc-409	55	14	helped	help	VERB
egc-409	55	15	diversify	diversify	VERB
egc-409	55	16	banks	bank	NOUN
egc-409	55	17	’	'	PUNCT
egc-409	55	18	income	income	NOUN
egc-409	55	19	sources	source	NOUN
egc-409	55	20	and	and	CCONJ
egc-409	55	21	reduce	reduce	VERB
egc-409	55	22	systemic	systemic	ADJ
egc-409	55	23	risk	risk	NOUN
egc-409	55	24	.	.	PUNCT
egc-409	56	1	thus	thus	ADV
egc-409	56	2	,	,	PUNCT
egc-409	56	3	the	the	DET
egc-409	56	4	proposal	proposal	NOUN
egc-409	56	5	is	be	AUX
egc-409	56	6	scientifically	scientifically	ADV
egc-409	56	7	justified	justify	VERB
egc-409	56	8	by	by	ADP
egc-409	56	9	the	the	DET
egc-409	56	10	following	following	ADJ
egc-409	56	11	points	point	NOUN
egc-409	56	12	:	:	PUNCT
egc-409	56	13	•	•	NUM
egc-409	56	14	escrow	escrow	NOUN
egc-409	56	15	accounts	account	NOUN
egc-409	56	16	create	create	VERB
egc-409	56	17	a	a	DET
egc-409	56	18	stable	stable	ADJ
egc-409	56	19	and	and	CCONJ
egc-409	56	20	low	low	ADJ
egc-409	56	21	-	-	PUNCT
egc-409	56	22	cost	cost	NOUN
egc-409	56	23	funding	funding	NOUN
egc-409	56	24	base	base	NOUN
egc-409	56	25	for	for	ADP
egc-409	56	26	banks	bank	NOUN
egc-409	56	27	.	.	PUNCT
egc-409	57	1	•	•	NUM
egc-409	57	2	gradual	gradual	ADJ
egc-409	57	3	reduction	reduction	NOUN
egc-409	57	4	of	of	ADP
egc-409	57	5	interest	interest	NOUN
egc-409	57	6	rates	rate	NOUN
egc-409	57	7	stimulates	stimulate	VERB
egc-409	57	8	credit	credit	NOUN
egc-409	57	9	demand	demand	NOUN
egc-409	57	10	and	and	CCONJ
egc-409	57	11	expands	expand	VERB
egc-409	57	12	the	the	DET
egc-409	57	13	loan	loan	NOUN
egc-409	57	14	portfolio	portfolio	NOUN
egc-409	57	15	.	.	PUNCT
egc-409	58	1	•	•	NUM
egc-409	58	2	interest	interest	NOUN
egc-409	58	3	rate	rate	NOUN
egc-409	58	4	policy	policy	NOUN
egc-409	58	5	tied	tie	VERB
egc-409	58	6	to	to	ADP
egc-409	58	7	the	the	DET
egc-409	58	8	amount	amount	NOUN
egc-409	58	9	of	of	ADP
egc-409	58	10	deposits	deposit	NOUN
egc-409	58	11	serves	serve	VERB
egc-409	58	12	as	as	ADP
egc-409	58	13	an	an	DET
egc-409	58	14	effective	effective	ADJ
egc-409	58	15	risk	risk	NOUN
egc-409	58	16	management	management	NOUN
egc-409	58	17	mechanism	mechanism	NOUN
egc-409	58	18	.	.	PUNCT
egc-409	59	1	•	•	ADJ
egc-409	59	2	international	international	ADJ
egc-409	59	3	practice	practice	NOUN
egc-409	59	4	confirms	confirm	VERB
egc-409	59	5	the	the	DET
egc-409	59	6	efficiency	efficiency	NOUN
egc-409	59	7	of	of	ADP
egc-409	59	8	this	this	DET
egc-409	59	9	model	model	NOUN
egc-409	59	10	in	in	ADP
egc-409	59	11	enhancing	enhance	VERB
egc-409	59	12	banking	banking	NOUN
egc-409	59	13	profitability	profitability	NOUN
egc-409	59	14	.	.	PUNCT
egc-409	60	1	references	reference	NOUN
egc-409	60	2	1	1	NUM
egc-409	60	3	.	.	PUNCT
egc-409	60	4	presidential	presidential	ADJ
egc-409	60	5	decree	decree	NOUN
egc-409	60	6	of	of	ADP
egc-409	60	7	the	the	DET
egc-409	60	8	republic	republic	NOUN
egc-409	60	9	of	of	ADP
egc-409	60	10	uzbekistan	uzbekistan	PROPN
egc-409	60	11	no	no	PROPN
egc-409	60	12	.	.	PUNCT
egc-409	60	13	pf-11	pf-11	NUM
egc-409	60	14	,	,	PUNCT
egc-409	60	15	dated	date	VERB
egc-409	60	16	september	september	PROPN
egc-409	60	17	27	27	NUM
egc-409	60	18	,	,	PUNCT
egc-409	60	19	2025	2025	NUM
egc-409	60	20	,	,	PUNCT
egc-409	60	21	on	on	ADP
egc-409	60	22	measures	measure	NOUN
egc-409	60	23	to	to	PART
egc-409	60	24	further	far	ADV
egc-409	60	25	develop	develop	VERB
egc-409	60	26	the	the	DET
egc-409	60	27	housing	housing	NOUN
egc-409	60	28	construction	construction	NOUN
egc-409	60	29	sector	sector	NOUN
egc-409	60	30	and	and	CCONJ
egc-409	60	31	improve	improve	VERB
egc-409	60	32	the	the	DET
egc-409	60	33	mechanisms	mechanism	NOUN
egc-409	60	34	for	for	ADP
egc-409	60	35	regulating	regulate	VERB
egc-409	60	36	the	the	DET
egc-409	60	37	process	process	NOUN
egc-409	60	38	of	of	ADP
egc-409	60	39	building	build	VERB
egc-409	60	40	residential	residential	ADJ
egc-409	60	41	and	and	CCONJ
egc-409	60	42	non	non	ADJ
egc-409	60	43	-	-	ADJ
egc-409	60	44	residential	residential	ADJ
egc-409	60	45	facilities	facility	NOUN
egc-409	60	46	on	on	ADP
egc-409	60	47	a	a	DET
egc-409	60	48	shared	share	VERB
egc-409	60	49	participation	participation	NOUN
egc-409	60	50	basis	basis	NOUN
egc-409	60	51	.	.	PUNCT
egc-409	61	1	retrieved	retrieve	VERB
egc-409	61	2	from	from	ADP
egc-409	61	3	:	:	PUNCT
egc-409	61	4	https://lex.uz	https://lex.uz	PROPN
egc-409	61	5	2	2	NUM
egc-409	61	6	.	.	X
egc-409	61	7	khursanov	khursanov	PROPN
egc-409	61	8	,	,	PUNCT
egc-409	61	9	r.	r.	PROPN
egc-409	61	10	(	(	PUNCT
egc-409	61	11	2025	2025	NUM
egc-409	61	12	)	)	PUNCT
egc-409	61	13	.	.	PUNCT
egc-409	62	1	new	new	ADJ
egc-409	62	2	mechanisms	mechanism	NOUN
egc-409	62	3	in	in	ADP
egc-409	62	4	housing	housing	NOUN
egc-409	62	5	construction	construction	NOUN
egc-409	62	6	in	in	ADP
egc-409	62	7	uzbekistan	uzbekistan	PROPN
egc-409	62	8	.	.	PUNCT
egc-409	63	1	society	society	NOUN
egc-409	63	2	and	and	CCONJ
egc-409	63	3	innovations	innovation	NOUN
egc-409	63	4	.	.	PUNCT
egc-409	64	1	https://doi.org/10.47689/21811415-vol6-iss1-pp255-261	https://doi.org/10.47689/21811415-vol6-iss1-pp255-261	PROPN
egc-409	64	2	3	3	NUM
egc-409	64	3	.	.	PUNCT
egc-409	64	4	ioniță	ioniță	NOUN
egc-409	64	5	,	,	PUNCT
egc-409	64	6	g.	g.	PROPN
egc-409	64	7	b.	b.	PROPN
egc-409	64	8	(	(	PUNCT
egc-409	64	9	2021	2021	NUM
egc-409	64	10	)	)	PUNCT
egc-409	64	11	.	.	PUNCT
egc-409	65	1	the	the	DET
egc-409	65	2	escrow	escrow	ADJ
egc-409	65	3	contract	contract	NOUN
egc-409	65	4	in	in	ADP
egc-409	65	5	banking	banking	NOUN
egc-409	65	6	law	law	NOUN
egc-409	65	7	.	.	PUNCT
egc-409	66	1	in	in	ADP
egc-409	66	2	banking	banking	NOUN
egc-409	66	3	law	law	NOUN
egc-409	66	4	in	in	ADP
egc-409	66	5	the	the	DET
egc-409	66	6	21st	21st	ADJ
egc-409	66	7	century	century	NOUN
egc-409	66	8	.	.	PUNCT
egc-409	67	1	ceeol	ceeol	PROPN
egc-409	67	2	.	.	PUNCT
egc-409	68	1	https://www.ceeol.com/search/chapter-detail?id=1022721	https://www.ceeol.com/search/chapter-detail?id=1022721	PROPN
egc-409	68	2	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	68	3	https://lex.uz/	https://lex.uz/	PROPN
egc-409	68	4	https://doi.org/10.47689/2181-1415-vol6-iss1-pp255-261	https://doi.org/10.47689/2181-1415-vol6-iss1-pp255-261	ADJ
egc-409	68	5	https://doi.org/10.47689/2181-1415-vol6-iss1-pp255-261	https://doi.org/10.47689/2181-1415-vol6-iss1-pp255-261	ADJ
egc-409	68	6	https://www.ceeol.com/search/chapter-detail?id=1022721	https://www.ceeol.com/search/chapter-detail?id=1022721	NOUN
egc-409	68	7	eglobal	eglobal	PROPN
egc-409	68	8	congress	congress	PROPN
egc-409	68	9	hosted	host	VERB
egc-409	68	10	online	online	ADV
egc-409	68	11	from	from	ADP
egc-409	68	12	dubai	dubai	PROPN
egc-409	68	13	,	,	PUNCT
egc-409	68	14	u.	u.	PROPN
egc-409	68	15	a.	a.	PROPN
egc-409	68	16	e.	e.	PROPN
egc-409	68	17	,	,	PUNCT
egc-409	68	18	e	e	PROPN
egc-409	68	19	conference	conference	NOUN
egc-409	68	20	.	.	PUNCT
egc-409	69	1	date	date	NOUN
egc-409	69	2	:	:	PUNCT
egc-409	69	3	30th	30th	ADJ
egc-409	69	4	november	november	PROPN
egc-409	69	5	2025	2025	NUM
egc-409	69	6	website	website	NOUN
egc-409	69	7	:	:	PUNCT
egc-409	69	8	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	PROPN
egc-409	69	9	issn	issn	PROPN
egc-409	69	10	(	(	PUNCT
egc-409	69	11	e	e	NOUN
egc-409	69	12	):	):	PUNCT
egc-409	69	13	2836	2836	NUM
egc-409	69	14	-	-	SYM
egc-409	69	15	3612	3612	NUM
egc-409	69	16	25	25	NUM
egc-409	69	17	|	|	ADV
egc-409	69	18	p	p	ADP
egc-409	69	19	a	a	DET
egc-409	69	20	g	g	NOUN
egc-409	69	21	e	e	NOUN
egc-409	69	22	4	4	NUM
egc-409	69	23	.	.	PUNCT
egc-409	69	24	antipin	antipin	PROPN
egc-409	69	25	,	,	PUNCT
egc-409	69	26	d.	d.	PROPN
egc-409	69	27	a.	a.	PROPN
egc-409	69	28	,	,	PUNCT
egc-409	69	29	&	&	CCONJ
egc-409	69	30	trufanova	trufanova	PROPN
egc-409	69	31	,	,	PUNCT
egc-409	69	32	s.	s.	PROPN
egc-409	69	33	v.	v.	PROPN
egc-409	69	34	(	(	PUNCT
egc-409	69	35	2021	2021	NUM
egc-409	69	36	)	)	PUNCT
egc-409	69	37	.	.	PUNCT
egc-409	70	1	project	project	NOUN
egc-409	70	2	financing	financing	NOUN
egc-409	70	3	in	in	ADP
egc-409	70	4	the	the	DET
egc-409	70	5	construction	construction	NOUN
egc-409	70	6	industry	industry	NOUN
egc-409	70	7	.	.	PUNCT
egc-409	71	1	iop	iop	PROPN
egc-409	71	2	conference	conference	PROPN
egc-409	71	3	series	series	PROPN
egc-409	71	4	:	:	PUNCT
egc-409	71	5	earth	earth	NOUN
egc-409	71	6	and	and	CCONJ
egc-409	71	7	environmental	environmental	ADJ
egc-409	71	8	science	science	NOUN
egc-409	71	9	,	,	PUNCT
egc-409	71	10	751(1	751(1	NUM
egc-409	71	11	)	)	PUNCT
egc-409	71	12	,	,	PUNCT
egc-409	71	13	012130	012130	NUM
egc-409	71	14	.	.	PUNCT
egc-409	72	1	https://doi.org/10.1088/17551315/751/1/012130	https://doi.org/10.1088/17551315/751/1/012130	PROPN
egc-409	72	2	5	5	NUM
egc-409	73	1	.	.	PUNCT
egc-409	73	2	kurmanova	kurmanova	PROPN
egc-409	73	3	,	,	PUNCT
egc-409	73	4	l.	l.	PROPN
egc-409	73	5	r.	r.	PROPN
egc-409	73	6	,	,	PUNCT
egc-409	73	7	&	&	CCONJ
egc-409	73	8	kurmanova	kurmanova	PROPN
egc-409	73	9	,	,	PUNCT
egc-409	73	10	d.	d.	PROPN
egc-409	73	11	a.	a.	PROPN
egc-409	73	12	(	(	PUNCT
egc-409	73	13	2020	2020	NUM
egc-409	73	14	)	)	PUNCT
egc-409	73	15	.	.	PUNCT
egc-409	74	1	financial	financial	ADJ
egc-409	74	2	technologies	technology	NOUN
egc-409	74	3	in	in	ADP
egc-409	74	4	project	project	NOUN
egc-409	74	5	financing	financing	NOUN
egc-409	74	6	of	of	ADP
egc-409	74	7	housing	housing	NOUN
egc-409	74	8	construction	construction	NOUN
egc-409	74	9	.	.	PUNCT
egc-409	75	1	iop	iop	PROPN
egc-409	75	2	conference	conference	PROPN
egc-409	75	3	series	series	PROPN
egc-409	75	4	:	:	PUNCT
egc-409	75	5	materials	material	NOUN
egc-409	75	6	science	science	NOUN
egc-409	75	7	and	and	CCONJ
egc-409	75	8	engineering	engineering	NOUN
egc-409	75	9	,	,	PUNCT
egc-409	75	10	753	753	NUM
egc-409	75	11	,	,	PUNCT
egc-409	75	12	062024	062024	NUM
egc-409	75	13	.	.	PUNCT
egc-409	76	1	https://doi.org/10.1088/1757-899x/753/6/062024	https://doi.org/10.1088/1757-899x/753/6/062024	ADJ
egc-409	76	2	6	6	NUM
egc-409	76	3	.	.	PUNCT
egc-409	77	1	pillsbury	pillsbury	PROPN
egc-409	77	2	,	,	PUNCT
egc-409	77	3	c.	c.	PROPN
egc-409	77	4	a.	a.	PROPN
egc-409	77	5	(	(	PUNCT
egc-409	77	6	1974	1974	NUM
egc-409	77	7	)	)	PUNCT
egc-409	77	8	.	.	PUNCT
egc-409	78	1	lender	lender	NOUN
egc-409	78	2	accountability	accountability	NOUN
egc-409	78	3	and	and	CCONJ
egc-409	78	4	mortgage	mortgage	NOUN
egc-409	78	5	escrow	escrow	NOUN
egc-409	78	6	accounts	account	NOUN
egc-409	78	7	.	.	PUNCT
egc-409	79	1	boston	boston	PROPN
egc-409	79	2	university	university	PROPN
egc-409	79	3	law	law	PROPN
egc-409	79	4	review	review	NOUN
egc-409	79	5	.	.	PUNCT
egc-409	80	1	heinonline	heinonline	PROPN
egc-409	80	2	.	.	PUNCT
egc-409	81	1	https://heinonline.org/hol-cgibin/get_pdf.cgi?handle=hein.journals/bulr54&section=33	https://heinonline.org/hol-cgibin/get_pdf.cgi?handle=hein.journals/bulr54&section=33	PROPN
egc-409	81	2	7	7	NUM
egc-409	81	3	.	.	PUNCT
egc-409	81	4	market	market	NOUN
egc-409	81	5	growth	growth	NOUN
egc-409	81	6	reports	report	VERB
egc-409	81	7	.	.	PUNCT
egc-409	82	1	(	(	PUNCT
egc-409	82	2	2023	2023	NUM
egc-409	82	3	)	)	PUNCT
egc-409	82	4	.	.	PUNCT
egc-409	83	1	escrow	escrow	ADJ
egc-409	83	2	agent	agent	NOUN
egc-409	83	3	services	service	NOUN
egc-409	83	4	market	market	NOUN
egc-409	83	5	size	size	NOUN
egc-409	83	6	and	and	CCONJ
egc-409	83	7	forecast	forecast	VERB
egc-409	83	8	2023–2029	2023–2029	NUM
egc-409	83	9	.	.	PUNCT
egc-409	84	1	retrieved	retrieve	VERB
egc-409	84	2	from	from	ADP
egc-409	84	3	:	:	PUNCT
egc-409	84	4	https://www.marketgrowthreports.com/market-reports/escrow-agentservices-market-113226	https://www.marketgrowthreports.com/market-reports/escrow-agentservices-market-113226	NOUN
egc-409	84	5	8	8	NUM
egc-409	84	6	.	.	PUNCT
egc-409	85	1	srs	srs	PROPN
egc-409	85	2	acquiom	acquiom	PROPN
egc-409	85	3	.	.	PUNCT
egc-409	86	1	(	(	PUNCT
egc-409	86	2	2023	2023	NUM
egc-409	86	3	)	)	PUNCT
egc-409	86	4	.	.	PUNCT
egc-409	87	1	m&a	m&a	PROPN
egc-409	87	2	escrows	escrows	PROPN
egc-409	87	3	statistics	statistic	NOUN
egc-409	87	4	.	.	PUNCT
egc-409	88	1	retrieved	retrieve	VERB
egc-409	88	2	from	from	ADP
egc-409	88	3	:	:	PUNCT
egc-409	88	4	https://www.srsacquiom.com/our-insights/ma-escrows-statistics	https://www.srsacquiom.com/our-insights/ma-escrows-statistic	NOUN
egc-409	88	5	9	9	NUM
egc-409	88	6	.	.	PUNCT
egc-409	88	7	verified	verify	VERB
egc-409	88	8	market	market	NOUN
egc-409	88	9	research	research	NOUN
egc-409	88	10	.	.	PUNCT
egc-409	89	1	(	(	PUNCT
egc-409	89	2	2023	2023	NUM
egc-409	89	3	)	)	PUNCT
egc-409	89	4	.	.	PUNCT
egc-409	90	1	escrow	escrow	NOUN
egc-409	90	2	as	as	ADP
egc-409	90	3	a	a	DET
egc-409	90	4	service	service	NOUN
egc-409	90	5	(	(	PUNCT
egc-409	90	6	eaas	eaas	NOUN
egc-409	90	7	)	)	PUNCT
egc-409	90	8	market	market	NOUN
egc-409	90	9	report	report	NOUN
egc-409	90	10	,	,	PUNCT
egc-409	90	11	2024–2031	2024–2031	NUM
egc-409	90	12	.	.	PUNCT
egc-409	91	1	retrieved	retrieve	VERB
egc-409	91	2	from	from	ADP
egc-409	91	3	:	:	PUNCT
egc-409	91	4	https://www.verifiedmarketresearch.com/product/escrow-as-a-serviceeaas-market	https://www.verifiedmarketresearch.com/product/escrow-as-a-serviceeaas-market	PRON
egc-409	91	5	10	10	NUM
egc-409	91	6	.	.	PUNCT
egc-409	92	1	lereta	lereta	PROPN
egc-409	92	2	.	.	PUNCT
egc-409	93	1	(	(	PUNCT
egc-409	93	2	2024	2024	NUM
egc-409	93	3	)	)	PUNCT
egc-409	93	4	.	.	PUNCT
egc-409	94	1	new	new	ADJ
egc-409	94	2	survey	survey	NOUN
egc-409	94	3	finds	find	VERB
egc-409	94	4	significant	significant	ADJ
egc-409	94	5	lack	lack	NOUN
egc-409	94	6	of	of	ADP
egc-409	94	7	understanding	understanding	NOUN
egc-409	94	8	of	of	ADP
egc-409	94	9	mortgage	mortgage	NOUN
egc-409	94	10	escrow	escrow	NOUN
egc-409	94	11	accounts	account	NOUN
egc-409	94	12	.	.	PUNCT
egc-409	95	1	retrieved	retrieve	VERB
egc-409	95	2	from	from	ADP
egc-409	95	3	:	:	PUNCT
egc-409	95	4	https://lereta.com/news/new-survey-finds-significant-lack-ofunderstanding-of-mortgage-escrow-accounts	https://lereta.com/news/new-survey-finds-significant-lack-ofunderstanding-of-mortgage-escrow-account	NOUN
egc-409	95	5	11	11	NUM
egc-409	95	6	.	.	PUNCT
egc-409	96	1	national	national	PROPN
egc-409	96	2	bureau	bureau	PROPN
egc-409	96	3	of	of	ADP
egc-409	96	4	economic	economic	ADJ
egc-409	96	5	research	research	NOUN
egc-409	96	6	.	.	PUNCT
egc-409	97	1	(	(	PUNCT
egc-409	97	2	2024	2024	NUM
egc-409	97	3	)	)	PUNCT
egc-409	97	4	.	.	PUNCT
egc-409	98	1	the	the	DET
egc-409	98	2	rising	rise	VERB
egc-409	98	3	cost	cost	NOUN
egc-409	98	4	of	of	ADP
egc-409	98	5	homeowners	homeowner	NOUN
egc-409	98	6	insurance	insurance	NOUN
egc-409	98	7	:	:	PUNCT
egc-409	98	8	evidence	evidence	NOUN
egc-409	98	9	from	from	ADP
egc-409	98	10	escrow	escrow	ADJ
egc-409	98	11	data	datum	NOUN
egc-409	98	12	(	(	PUNCT
egc-409	98	13	working	working	NOUN
egc-409	98	14	paper	paper	NOUN
egc-409	98	15	no	no	NOUN
egc-409	98	16	.	.	PROPN
egc-409	98	17	32579	32579	NUM
egc-409	98	18	)	)	PUNCT
egc-409	98	19	.	.	PUNCT
egc-409	98	20	retrieved	retrieve	VERB
egc-409	98	21	from	from	ADP
egc-409	98	22	:	:	PUNCT
egc-409	98	23	https://www.nber.org/papers/w32579	https://www.nber.org/papers/w32579	ADJ
egc-409	98	24	https://eglobalcongress.com/index.php/egc	https://eglobalcongress.com/index.php/egc	ADJ
egc-409	98	25	https://doi.org/10.1088/1755-1315/751/1/012130	https://doi.org/10.1088/1755-1315/751/1/012130	PROPN
egc-409	98	26	https://doi.org/10.1088/1755-1315/751/1/012130	https://doi.org/10.1088/1755-1315/751/1/012130	NOUN
egc-409	98	27	https://doi.org/10.1088/1757-899x/753/6/062024	https://doi.org/10.1088/1757-899x/753/6/062024	NOUN
egc-409	98	28	https://heinonline.org/hol-cgi-bin/get_pdf.cgi?handle=hein.journals/bulr54&section=33	https://heinonline.org/hol-cgi-bin/get_pdf.cgi?handle=hein.journals/bulr54&section=33	PROPN
egc-409	98	29	https://heinonline.org/hol-cgi-bin/get_pdf.cgi?handle=hein.journals/bulr54&section=33	https://heinonline.org/hol-cgi-bin/get_pdf.cgi?handle=hein.journals/bulr54&section=33	DET
egc-409	98	30	https://www.marketgrowthreports.com/market-reports/escrow-agent-services-market-113226	https://www.marketgrowthreports.com/market-reports/escrow-agent-services-market-113226	ADJ
egc-409	98	31	https://www.marketgrowthreports.com/market-reports/escrow-agent-services-market-113226	https://www.marketgrowthreports.com/market-reports/escrow-agent-services-market-113226	NOUN
egc-409	98	32	https://www.srsacquiom.com/our-insights/ma-escrows-statistics	https://www.srsacquiom.com/our-insights/ma-escrows-statistic	NOUN
egc-409	99	1	https://www.verifiedmarketresearch.com/product/escrow-as-a-service-eaas-market	https://www.verifiedmarketresearch.com/product/escrow-as-a-service-eaas-market	PROPN
egc-409	99	2	https://www.verifiedmarketresearch.com/product/escrow-as-a-service-eaas-market	https://www.verifiedmarketresearch.com/product/escrow-as-a-service-eaas-market	PROPN
egc-409	99	3	https://lereta.com/news/new-survey-finds-significant-lack-of-understanding-of-mortgage-escrow-accounts	https://lereta.com/news/new-survey-finds-significant-lack-of-understanding-of-mortgage-escrow-account	NOUN
egc-409	99	4	https://lereta.com/news/new-survey-finds-significant-lack-of-understanding-of-mortgage-escrow-accounts	https://lereta.com/news/new-survey-finds-significant-lack-of-understanding-of-mortgage-escrow-account	NOUN
egc-409	99	5	https://www.nber.org/papers/w32579	https://www.nber.org/papers/w32579	ADJ