id	sid	tid	token	lemma	pos
elp-56284	1	1	economics	economic	NOUN
elp-56284	1	2	,	,	PUNCT
elp-56284	1	3	law	law	NOUN
elp-56284	1	4	and	and	CCONJ
elp-56284	1	5	policy	policy	NOUN
elp-56284	1	6	issn	issn	VERB
elp-56284	1	7	2576	2576	NUM
elp-56284	1	8	-	-	SYM
elp-56284	1	9	2060	2060	NUM
elp-56284	1	10	(	(	PUNCT
elp-56284	1	11	print	print	NOUN
elp-56284	1	12	)	)	PUNCT
elp-56284	1	13	issn	issn	PROPN
elp-56284	1	14	2576	2576	NUM
elp-56284	1	15	-	-	SYM
elp-56284	1	16	2052	2052	NUM
elp-56284	1	17	(	(	PUNCT
elp-56284	1	18	online	online	ADJ
elp-56284	1	19	)	)	PUNCT
elp-56284	1	20	vol	vol	NOUN
elp-56284	1	21	.	.	NOUN
elp-56284	2	1	8	8	NUM
elp-56284	2	2	,	,	PUNCT
elp-56284	2	3	no	no	INTJ
elp-56284	2	4	.	.	NOUN
elp-56284	2	5	2	2	NUM
elp-56284	2	6	,	,	PUNCT
elp-56284	2	7	2025	2025	NUM
elp-56284	2	8	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	VERB
elp-56284	2	9	114	114	NUM
elp-56284	2	10	original	original	ADJ
elp-56284	2	11	paper	paper	NOUN
elp-56284	2	12	qualitative	qualitative	NOUN
elp-56284	2	13	research	research	NOUN
elp-56284	2	14	on	on	ADP
elp-56284	2	15	double	double	ADJ
elp-56284	2	16	fraud	fraud	NOUN
elp-56284	2	17	of	of	ADP
elp-56284	2	18	guaranteed	guarantee	VERB
elp-56284	2	19	loans	loan	NOUN
elp-56284	2	20	yao	yao	PROPN
elp-56284	2	21	mingyue	mingyue	ADJ
elp-56284	2	22	1	1	NUM
elp-56284	2	23	1	1	NUM
elp-56284	2	24	school	school	NOUN
elp-56284	2	25	of	of	ADP
elp-56284	2	26	marine	marine	ADJ
elp-56284	2	27	law	law	NOUN
elp-56284	2	28	and	and	CCONJ
elp-56284	2	29	humanities	humanity	NOUN
elp-56284	2	30	,	,	PUNCT
elp-56284	2	31	dalian	dalian	PROPN
elp-56284	2	32	ocean	ocean	PROPN
elp-56284	2	33	university	university	PROPN
elp-56284	2	34	,	,	PUNCT
elp-56284	2	35	dalian	dalian	PROPN
elp-56284	2	36	,	,	PUNCT
elp-56284	2	37	liaoning	liaoning	PROPN
elp-56284	2	38	,	,	PUNCT
elp-56284	2	39	china	china	PROPN
elp-56284	2	40	received	receive	VERB
elp-56284	2	41	:	:	PUNCT
elp-56284	2	42	july	july	PROPN
elp-56284	2	43	1	1	NUM
elp-56284	2	44	,	,	PUNCT
elp-56284	2	45	2025	2025	NUM
elp-56284	2	46	accepted	accept	VERB
elp-56284	2	47	:	:	PUNCT
elp-56284	2	48	july	july	PROPN
elp-56284	2	49	10	10	NUM
elp-56284	2	50	,	,	PUNCT
elp-56284	2	51	2025	2025	NUM
elp-56284	2	52	online	online	ADV
elp-56284	2	53	published	publish	VERB
elp-56284	2	54	:	:	PUNCT
elp-56284	2	55	july	july	PROPN
elp-56284	2	56	13	13	NUM
elp-56284	2	57	,	,	PUNCT
elp-56284	2	58	2025	2025	NUM
elp-56284	2	59	doi:10.22158	doi:10.22158	NOUN
elp-56284	2	60	/	/	SYM
elp-56284	2	61	elp.v8n2p114	elp.v8n2p114	PROPN
elp-56284	2	62	url	url	PROPN
elp-56284	2	63	:	:	PUNCT
elp-56284	2	64	http://dx.doi.org/10.22158/elp.v8n2p114	http://dx.doi.org/10.22158/elp.v8n2p114	PROPN
elp-56284	2	65	abstract	abstract	ADP
elp-56284	2	66	this	this	DET
elp-56284	2	67	article	article	NOUN
elp-56284	2	68	focuses	focus	VERB
elp-56284	2	69	on	on	ADP
elp-56284	2	70	the	the	DET
elp-56284	2	71	dispute	dispute	NOUN
elp-56284	2	72	over	over	ADP
elp-56284	2	73	the	the	DET
elp-56284	2	74	nature	nature	NOUN
elp-56284	2	75	of	of	ADP
elp-56284	2	76	double	double	ADJ
elp-56284	2	77	fraud	fraud	NOUN
elp-56284	2	78	in	in	ADP
elp-56284	2	79	criminal	criminal	ADJ
elp-56284	2	80	law	law	NOUN
elp-56284	2	81	in	in	ADP
elp-56284	2	82	cases	case	NOUN
elp-56284	2	83	of	of	ADP
elp-56284	2	84	obtaining	obtain	VERB
elp-56284	2	85	loans	loan	NOUN
elp-56284	2	86	by	by	ADP
elp-56284	2	87	defrauding	defraud	VERB
elp-56284	2	88	true	true	ADJ
elp-56284	2	89	guarantees	guarantee	NOUN
elp-56284	2	90	,	,	PUNCT
elp-56284	2	91	systematically	systematically	ADV
elp-56284	2	92	combs	comb	VERB
elp-56284	2	93	the	the	DET
elp-56284	2	94	differences	difference	NOUN
elp-56284	2	95	between	between	ADP
elp-56284	2	96	the	the	DET
elp-56284	2	97	theoretical	theoretical	ADJ
elp-56284	2	98	and	and	CCONJ
elp-56284	2	99	practical	practical	ADJ
elp-56284	2	100	circles	circle	NOUN
elp-56284	2	101	on	on	ADP
elp-56284	2	102	the	the	DET
elp-56284	2	103	form	form	NOUN
elp-56284	2	104	of	of	ADP
elp-56284	2	105	the	the	DET
elp-56284	2	106	number	number	NOUN
elp-56284	2	107	of	of	ADP
elp-56284	2	108	crimes	crime	NOUN
elp-56284	2	109	and	and	CCONJ
elp-56284	2	110	the	the	DET
elp-56284	2	111	determination	determination	NOUN
elp-56284	2	112	of	of	ADP
elp-56284	2	113	charges	charge	NOUN
elp-56284	2	114	,	,	PUNCT
elp-56284	2	115	and	and	CCONJ
elp-56284	2	116	reveals	reveal	VERB
elp-56284	2	117	that	that	SCONJ
elp-56284	2	118	the	the	DET
elp-56284	2	119	core	core	NOUN
elp-56284	2	120	of	of	ADP
elp-56284	2	121	legal	legal	ADJ
elp-56284	2	122	interest	interest	NOUN
elp-56284	2	123	infringement	infringement	NOUN
elp-56284	2	124	in	in	ADP
elp-56284	2	125	such	such	ADJ
elp-56284	2	126	cases	case	NOUN
elp-56284	2	127	is	be	AUX
elp-56284	2	128	the	the	DET
elp-56284	2	129	damage	damage	NOUN
elp-56284	2	130	to	to	ADP
elp-56284	2	131	the	the	DET
elp-56284	2	132	property	property	NOUN
elp-56284	2	133	rights	right	NOUN
elp-56284	2	134	and	and	CCONJ
elp-56284	2	135	interests	interest	NOUN
elp-56284	2	136	of	of	ADP
elp-56284	2	137	the	the	DET
elp-56284	2	138	guarantor	guarantor	NOUN
elp-56284	2	139	rather	rather	ADV
elp-56284	2	140	than	than	ADP
elp-56284	2	141	the	the	DET
elp-56284	2	142	loan	loan	NOUN
elp-56284	2	143	losses	loss	NOUN
elp-56284	2	144	of	of	ADP
elp-56284	2	145	financial	financial	ADJ
elp-56284	2	146	institutions	institution	NOUN
elp-56284	2	147	.	.	PUNCT
elp-56284	3	1	by	by	ADP
elp-56284	3	2	demonstrating	demonstrate	VERB
elp-56284	3	3	the	the	DET
elp-56284	3	4	key	key	ADJ
elp-56284	3	5	points	point	NOUN
elp-56284	3	6	that	that	SCONJ
elp-56284	3	7	the	the	DET
elp-56284	3	8	establishment	establishment	NOUN
elp-56284	3	9	of	of	ADP
elp-56284	3	10	the	the	DET
elp-56284	3	11	security	security	NOUN
elp-56284	3	12	right	right	ADV
elp-56284	3	13	causes	cause	VERB
elp-56284	3	14	the	the	DET
elp-56284	3	15	property	property	NOUN
elp-56284	3	16	risk	risk	NOUN
elp-56284	3	17	of	of	ADP
elp-56284	3	18	the	the	DET
elp-56284	3	19	guarantor	guarantor	NOUN
elp-56284	3	20	immediately	immediately	ADV
elp-56284	3	21	and	and	CCONJ
elp-56284	3	22	the	the	DET
elp-56284	3	23	bank	bank	NOUN
elp-56284	3	24	does	do	AUX
elp-56284	3	25	not	not	PART
elp-56284	3	26	suffer	suffer	VERB
elp-56284	3	27	losses	loss	NOUN
elp-56284	3	28	in	in	ADP
elp-56284	3	29	the	the	DET
elp-56284	3	30	sense	sense	NOUN
elp-56284	3	31	of	of	ADP
elp-56284	3	32	criminal	criminal	ADJ
elp-56284	3	33	law	law	NOUN
elp-56284	3	34	due	due	ADP
elp-56284	3	35	to	to	ADP
elp-56284	3	36	the	the	DET
elp-56284	3	37	validity	validity	NOUN
elp-56284	3	38	of	of	ADP
elp-56284	3	39	the	the	DET
elp-56284	3	40	guarantee	guarantee	NOUN
elp-56284	3	41	,	,	PUNCT
elp-56284	3	42	the	the	DET
elp-56284	3	43	analysis	analysis	NOUN
elp-56284	3	44	path	path	NOUN
elp-56284	3	45	of	of	ADP
elp-56284	3	46	combining	combine	VERB
elp-56284	3	47	subjective	subjective	ADJ
elp-56284	3	48	and	and	CCONJ
elp-56284	3	49	objective	objective	ADJ
elp-56284	3	50	analysis	analysis	NOUN
elp-56284	3	51	is	be	AUX
elp-56284	3	52	put	put	VERB
elp-56284	3	53	forward	forward	ADV
elp-56284	3	54	:	:	PUNCT
elp-56284	3	55	when	when	SCONJ
elp-56284	3	56	the	the	DET
elp-56284	3	57	actor	actor	NOUN
elp-56284	3	58	has	have	VERB
elp-56284	3	59	the	the	DET
elp-56284	3	60	purpose	purpose	NOUN
elp-56284	3	61	of	of	ADP
elp-56284	3	62	illegal	illegal	ADJ
elp-56284	3	63	possession	possession	NOUN
elp-56284	3	64	,	,	PUNCT
elp-56284	3	65	although	although	SCONJ
elp-56284	3	66	double	double	ADJ
elp-56284	3	67	fraud	fraud	NOUN
elp-56284	3	68	between	between	ADP
elp-56284	3	69	the	the	DET
elp-56284	3	70	bank	bank	NOUN
elp-56284	3	71	and	and	CCONJ
elp-56284	3	72	the	the	DET
elp-56284	3	73	guarantor	guarantor	NOUN
elp-56284	3	74	is	be	AUX
elp-56284	3	75	involved	involve	VERB
elp-56284	3	76	in	in	ADP
elp-56284	3	77	form	form	NOUN
elp-56284	3	78	,	,	PUNCT
elp-56284	3	79	the	the	DET
elp-56284	3	80	credit	credit	NOUN
elp-56284	3	81	risk	risk	NOUN
elp-56284	3	82	of	of	ADP
elp-56284	3	83	the	the	DET
elp-56284	3	84	bank	bank	NOUN
elp-56284	3	85	is	be	AUX
elp-56284	3	86	dispersed	disperse	VERB
elp-56284	3	87	in	in	ADP
elp-56284	3	88	advance	advance	NOUN
elp-56284	3	89	due	due	ADP
elp-56284	3	90	to	to	ADP
elp-56284	3	91	the	the	DET
elp-56284	3	92	guarantee	guarantee	NOUN
elp-56284	3	93	system	system	NOUN
elp-56284	3	94	,	,	PUNCT
elp-56284	3	95	and	and	CCONJ
elp-56284	3	96	the	the	DET
elp-56284	3	97	property	property	NOUN
elp-56284	3	98	rights	right	NOUN
elp-56284	3	99	and	and	CCONJ
elp-56284	3	100	interests	interest	NOUN
elp-56284	3	101	of	of	ADP
elp-56284	3	102	the	the	DET
elp-56284	3	103	guarantor	guarantor	NOUN
elp-56284	3	104	are	be	AUX
elp-56284	3	105	actually	actually	ADV
elp-56284	3	106	infringed	infringe	VERB
elp-56284	3	107	upon	upon	SCONJ
elp-56284	3	108	,	,	PUNCT
elp-56284	3	109	the	the	DET
elp-56284	3	110	crime	crime	NOUN
elp-56284	3	111	of	of	ADP
elp-56284	3	112	contract	contract	NOUN
elp-56284	3	113	fraud	fraud	NOUN
elp-56284	3	114	shall	shall	AUX
elp-56284	3	115	be	be	AUX
elp-56284	3	116	dealt	deal	VERB
elp-56284	3	117	with	with	ADP
elp-56284	3	118	separately	separately	ADV
elp-56284	3	119	;	;	PUNCT
elp-56284	3	120	for	for	ADP
elp-56284	3	121	acts	act	NOUN
elp-56284	3	122	lacking	lack	VERB
elp-56284	3	123	the	the	DET
elp-56284	3	124	purpose	purpose	NOUN
elp-56284	3	125	of	of	ADP
elp-56284	3	126	illegal	illegal	ADJ
elp-56284	3	127	possession	possession	NOUN
elp-56284	3	128	,	,	PUNCT
elp-56284	3	129	as	as	SCONJ
elp-56284	3	130	financial	financial	ADJ
elp-56284	3	131	institutions	institution	NOUN
elp-56284	3	132	are	be	AUX
elp-56284	3	133	not	not	PART
elp-56284	3	134	substantially	substantially	ADV
elp-56284	3	135	damaged	damage	VERB
elp-56284	3	136	and	and	CCONJ
elp-56284	3	137	the	the	DET
elp-56284	3	138	risks	risk	NOUN
elp-56284	3	139	fall	fall	VERB
elp-56284	3	140	within	within	ADP
elp-56284	3	141	the	the	DET
elp-56284	3	142	normal	normal	ADJ
elp-56284	3	143	commercial	commercial	ADJ
elp-56284	3	144	scope	scope	NOUN
elp-56284	3	145	,	,	PUNCT
elp-56284	3	146	criminal	criminal	ADJ
elp-56284	3	147	law	law	NOUN
elp-56284	3	148	regulations	regulation	NOUN
elp-56284	3	149	should	should	AUX
elp-56284	3	150	be	be	AUX
elp-56284	3	151	excluded	exclude	VERB
elp-56284	3	152	.	.	PUNCT
elp-56284	4	1	the	the	DET
elp-56284	4	2	study	study	NOUN
elp-56284	4	3	emphasizes	emphasize	VERB
elp-56284	4	4	that	that	SCONJ
elp-56284	4	5	the	the	DET
elp-56284	4	6	evaluation	evaluation	NOUN
elp-56284	4	7	of	of	ADP
elp-56284	4	8	criminal	criminal	ADJ
elp-56284	4	9	law	law	NOUN
elp-56284	4	10	should	should	AUX
elp-56284	4	11	be	be	AUX
elp-56284	4	12	based	base	VERB
elp-56284	4	13	on	on	ADP
elp-56284	4	14	the	the	DET
elp-56284	4	15	nature	nature	NOUN
elp-56284	4	16	of	of	ADP
elp-56284	4	17	infringement	infringement	NOUN
elp-56284	4	18	of	of	ADP
elp-56284	4	19	legal	legal	ADJ
elp-56284	4	20	interests	interest	NOUN
elp-56284	4	21	at	at	ADP
elp-56284	4	22	the	the	DET
elp-56284	4	23	time	time	NOUN
elp-56284	4	24	of	of	ADP
elp-56284	4	25	act	act	NOUN
elp-56284	4	26	,	,	PUNCT
elp-56284	4	27	so	so	SCONJ
elp-56284	4	28	as	as	SCONJ
elp-56284	4	29	to	to	PART
elp-56284	4	30	avoid	avoid	VERB
elp-56284	4	31	confusion	confusion	NOUN
elp-56284	4	32	between	between	ADP
elp-56284	4	33	the	the	DET
elp-56284	4	34	determination	determination	NOUN
elp-56284	4	35	of	of	ADP
elp-56284	4	36	charges	charge	NOUN
elp-56284	4	37	and	and	CCONJ
elp-56284	4	38	the	the	DET
elp-56284	4	39	results	result	NOUN
elp-56284	4	40	of	of	ADP
elp-56284	4	41	civil	civil	ADJ
elp-56284	4	42	liquidation	liquidation	NOUN
elp-56284	4	43	.	.	PUNCT
elp-56284	5	1	keywords	keyword	VERB
elp-56284	5	2	double	double	ADJ
elp-56284	5	3	fraud	fraud	NOUN
elp-56284	5	4	,	,	PUNCT
elp-56284	5	5	legal	legal	ADJ
elp-56284	5	6	interest	interest	NOUN
elp-56284	5	7	infringement	infringement	NOUN
elp-56284	5	8	,	,	PUNCT
elp-56284	5	9	guarantor	guarantor	NOUN
elp-56284	5	10	,	,	PUNCT
elp-56284	5	11	crime	crime	NOUN
elp-56284	5	12	of	of	ADP
elp-56284	5	13	contract	contract	NOUN
elp-56284	5	14	fraud	fraud	NOUN
elp-56284	5	15	1	1	NUM
elp-56284	5	16	.	.	PUNCT
elp-56284	6	1	question	question	NOUN
elp-56284	6	2	raising	raise	VERB
elp-56284	6	3	generally	generally	ADV
elp-56284	6	4	speaking	speak	VERB
elp-56284	6	5	,	,	PUNCT
elp-56284	6	6	in	in	ADP
elp-56284	6	7	loan	loan	NOUN
elp-56284	6	8	activities	activity	NOUN
elp-56284	6	9	,	,	PUNCT
elp-56284	6	10	banks	bank	NOUN
elp-56284	6	11	and	and	CCONJ
elp-56284	6	12	other	other	ADJ
elp-56284	6	13	financial	financial	ADJ
elp-56284	6	14	institutions	institution	NOUN
elp-56284	6	15	will	will	AUX
elp-56284	6	16	require	require	VERB
elp-56284	6	17	borrowers	borrower	NOUN
elp-56284	6	18	to	to	PART
elp-56284	6	19	provide	provide	VERB
elp-56284	6	20	guarantees	guarantee	NOUN
elp-56284	6	21	when	when	SCONJ
elp-56284	6	22	granting	grant	VERB
elp-56284	6	23	loans	loan	NOUN
elp-56284	6	24	,	,	PUNCT
elp-56284	6	25	but	but	CCONJ
elp-56284	6	26	unlike	unlike	ADP
elp-56284	6	27	the	the	DET
elp-56284	6	28	situation	situation	NOUN
elp-56284	6	29	of	of	ADP
elp-56284	6	30	directly	directly	ADV
elp-56284	6	31	forging	forge	VERB
elp-56284	6	32	guarantees	guarantee	NOUN
elp-56284	6	33	to	to	PART
elp-56284	6	34	defraud	defraud	VERB
elp-56284	6	35	loans	loan	NOUN
elp-56284	6	36	,	,	PUNCT
elp-56284	6	37	in	in	ADP
elp-56284	6	38	practice	practice	NOUN
elp-56284	6	39	,	,	PUNCT
elp-56284	6	40	many	many	ADJ
elp-56284	6	41	borrowers	borrower	NOUN
elp-56284	6	42	defraud	defraud	VERB
elp-56284	6	43	loans	loan	NOUN
elp-56284	6	44	by	by	ADP
elp-56284	6	45	first	first	ADV
elp-56284	6	46	defrauding	defraud	VERB
elp-56284	6	47	guarantors	guarantor	NOUN
elp-56284	6	48	to	to	PART
elp-56284	6	49	provide	provide	VERB
elp-56284	6	50	real	real	ADJ
elp-56284	6	51	guarantees	guarantee	NOUN
elp-56284	6	52	for	for	ADP
elp-56284	6	53	their	their	PRON
elp-56284	6	54	loans	loan	NOUN
elp-56284	6	55	.	.	PUNCT
elp-56284	7	1	the	the	DET
elp-56284	7	2	academic	academic	ADJ
elp-56284	7	3	community	community	NOUN
elp-56284	7	4	has	have	AUX
elp-56284	7	5	not	not	PART
elp-56284	7	6	reached	reach	VERB
elp-56284	7	7	a	a	DET
elp-56284	7	8	consensus	consensus	NOUN
elp-56284	7	9	on	on	ADP
elp-56284	7	10	how	how	SCONJ
elp-56284	7	11	to	to	PART
elp-56284	7	12	evaluate	evaluate	VERB
elp-56284	7	13	the	the	DET
elp-56284	7	14	double	double	ADJ
elp-56284	7	15	fraud	fraud	NOUN
elp-56284	7	16	of	of	ADP
elp-56284	7	17	such	such	ADJ
elp-56284	7	18	borrowers	borrower	NOUN
elp-56284	7	19	in	in	ADP
elp-56284	7	20	defrauding	defraud	VERB
elp-56284	7	21	loans	loan	NOUN
elp-56284	7	22	from	from	ADP
elp-56284	7	23	banks	bank	NOUN
elp-56284	7	24	and	and	CCONJ
elp-56284	7	25	other	other	ADJ
elp-56284	7	26	financial	financial	ADJ
elp-56284	7	27	institutions	institution	NOUN
elp-56284	7	28	after	after	ADP
elp-56284	7	29	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	7	30	economics	economic	NOUN
elp-56284	7	31	,	,	PUNCT
elp-56284	7	32	law	law	NOUN
elp-56284	7	33	and	and	CCONJ
elp-56284	7	34	policy	policy	NOUN
elp-56284	7	35	vol	vol	NOUN
elp-56284	7	36	.	.	PROPN
elp-56284	8	1	8	8	NUM
elp-56284	8	2	,	,	PUNCT
elp-56284	8	3	no	no	INTJ
elp-56284	8	4	.	.	NOUN
elp-56284	8	5	2	2	NUM
elp-56284	8	6	,	,	PUNCT
elp-56284	8	7	2025	2025	NUM
elp-56284	8	8	115	115	NUM
elp-56284	8	9	published	publish	VERB
elp-56284	8	10	by	by	ADP
elp-56284	8	11	scholink	scholink	PROPN
elp-56284	8	12	inc	inc	PROPN
elp-56284	8	13	.	.	PROPN
elp-56284	9	1	defrauding	defraud	VERB
elp-56284	9	2	real	real	ADJ
elp-56284	9	3	guarantees	guarantee	NOUN
elp-56284	9	4	in	in	ADP
elp-56284	9	5	criminal	criminal	ADJ
elp-56284	9	6	law	law	NOUN
elp-56284	9	7	,	,	PUNCT
elp-56284	9	8	and	and	CCONJ
elp-56284	9	9	there	there	PRON
elp-56284	9	10	are	be	VERB
elp-56284	9	11	heated	heated	ADJ
elp-56284	9	12	debates	debate	NOUN
elp-56284	9	13	on	on	ADP
elp-56284	9	14	the	the	DET
elp-56284	9	15	determination	determination	NOUN
elp-56284	9	16	of	of	ADP
elp-56284	9	17	one	one	NUM
elp-56284	9	18	crime	crime	NOUN
elp-56284	9	19	or	or	CCONJ
elp-56284	9	20	several	several	ADJ
elp-56284	9	21	crimes	crime	NOUN
elp-56284	9	22	,	,	PUNCT
elp-56284	9	23	but	but	CCONJ
elp-56284	9	24	there	there	PRON
elp-56284	9	25	are	be	VERB
elp-56284	9	26	not	not	PART
elp-56284	9	27	many	many	ADJ
elp-56284	9	28	relevant	relevant	ADJ
elp-56284	9	29	research	research	NOUN
elp-56284	9	30	results	result	NOUN
elp-56284	9	31	;	;	PUNCT
elp-56284	9	32	at	at	ADP
elp-56284	9	33	the	the	DET
elp-56284	9	34	same	same	ADJ
elp-56284	9	35	time	time	NOUN
elp-56284	9	36	,	,	PUNCT
elp-56284	9	37	judicial	judicial	ADJ
elp-56284	9	38	practitioners	practitioner	NOUN
elp-56284	9	39	have	have	AUX
elp-56284	9	40	also	also	ADV
elp-56284	9	41	dealt	deal	VERB
elp-56284	9	42	with	with	ADP
elp-56284	9	43	this	this	DET
elp-56284	9	44	problem	problem	NOUN
elp-56284	9	45	differently	differently	ADV
elp-56284	9	46	.	.	PUNCT
elp-56284	10	1	through	through	ADP
elp-56284	10	2	relevant	relevant	ADJ
elp-56284	10	3	legal	legal	ADJ
elp-56284	10	4	databases	database	NOUN
elp-56284	10	5	such	such	ADJ
elp-56284	10	6	as	as	ADP
elp-56284	10	7	the	the	DET
elp-56284	10	8	judgment	judgment	NOUN
elp-56284	10	9	documents	document	NOUN
elp-56284	10	10	network	network	NOUN
elp-56284	10	11	,	,	PUNCT
elp-56284	10	12	they	they	PRON
elp-56284	10	13	have	have	AUX
elp-56284	10	14	searched	search	VERB
elp-56284	10	15	for	for	ADP
elp-56284	10	16	cases	case	NOUN
elp-56284	10	17	of	of	ADP
elp-56284	10	18	such	such	ADJ
elp-56284	10	19	acts	act	NOUN
elp-56284	10	20	with	with	ADP
elp-56284	10	21	the	the	DET
elp-56284	10	22	key	key	ADJ
elp-56284	10	23	words	word	NOUN
elp-56284	10	24	of	of	ADP
elp-56284	10	25	defrauding	defraud	VERB
elp-56284	10	26	guarantees	guarantee	NOUN
elp-56284	10	27	and	and	CCONJ
elp-56284	10	28	loans	loan	NOUN
elp-56284	10	29	,	,	PUNCT
elp-56284	10	30	consulted	consult	VERB
elp-56284	10	31	and	and	CCONJ
elp-56284	10	32	analyzed	analyze	VERB
elp-56284	10	33	cases	case	NOUN
elp-56284	10	34	of	of	ADP
elp-56284	10	35	such	such	ADJ
elp-56284	10	36	acts	act	NOUN
elp-56284	10	37	,	,	PUNCT
elp-56284	10	38	and	and	CCONJ
elp-56284	10	39	found	find	VERB
elp-56284	10	40	that	that	SCONJ
elp-56284	10	41	there	there	PRON
elp-56284	10	42	are	be	VERB
elp-56284	10	43	differences	difference	NOUN
elp-56284	10	44	in	in	ADP
elp-56284	10	45	the	the	DET
elp-56284	10	46	judgments	judgment	NOUN
elp-56284	10	47	of	of	ADP
elp-56284	10	48	courts	court	NOUN
elp-56284	10	49	for	for	ADP
elp-56284	10	50	the	the	DET
elp-56284	10	51	determination	determination	NOUN
elp-56284	10	52	of	of	ADP
elp-56284	10	53	the	the	DET
elp-56284	10	54	nature	nature	NOUN
elp-56284	10	55	of	of	ADP
elp-56284	10	56	acts	act	NOUN
elp-56284	10	57	,	,	PUNCT
elp-56284	10	58	not	not	PART
elp-56284	10	59	only	only	ADV
elp-56284	10	60	between	between	ADP
elp-56284	10	61	courts	court	NOUN
elp-56284	10	62	in	in	ADP
elp-56284	10	63	different	different	ADJ
elp-56284	10	64	regions	region	NOUN
elp-56284	10	65	,	,	PUNCT
elp-56284	10	66	but	but	CCONJ
elp-56284	10	67	also	also	ADV
elp-56284	10	68	between	between	ADP
elp-56284	10	69	first	first	ADJ
elp-56284	10	70	instance	instance	NOUN
elp-56284	10	71	and	and	CCONJ
elp-56284	10	72	second	second	ADJ
elp-56284	10	73	instance	instance	NOUN
elp-56284	10	74	,	,	PUNCT
elp-56284	10	75	prosecution	prosecution	NOUN
elp-56284	10	76	by	by	ADP
elp-56284	10	77	procuratorial	procuratorial	ADJ
elp-56284	10	78	organs	organ	NOUN
elp-56284	10	79	and	and	CCONJ
elp-56284	10	80	court	court	NOUN
elp-56284	10	81	judgments	judgment	NOUN
elp-56284	10	82	.	.	PUNCT
elp-56284	11	1	therefore	therefore	ADV
elp-56284	11	2	,	,	PUNCT
elp-56284	11	3	how	how	SCONJ
elp-56284	11	4	to	to	PART
elp-56284	11	5	determine	determine	VERB
elp-56284	11	6	the	the	DET
elp-56284	11	7	nature	nature	NOUN
elp-56284	11	8	of	of	ADP
elp-56284	11	9	this	this	DET
elp-56284	11	10	double	double	ADJ
elp-56284	11	11	fraud	fraud	NOUN
elp-56284	11	12	,	,	PUNCT
elp-56284	11	13	in	in	ADP
elp-56284	11	14	which	which	PRON
elp-56284	11	15	the	the	DET
elp-56284	11	16	perpetrator	perpetrator	NOUN
elp-56284	11	17	obtains	obtain	VERB
elp-56284	11	18	effective	effective	ADJ
elp-56284	11	19	guarantee	guarantee	NOUN
elp-56284	11	20	through	through	ADP
elp-56284	11	21	fraud	fraud	NOUN
elp-56284	11	22	and	and	CCONJ
elp-56284	11	23	then	then	ADV
elp-56284	11	24	defrauds	defraud	VERB
elp-56284	11	25	the	the	DET
elp-56284	11	26	loan	loan	NOUN
elp-56284	11	27	,	,	PUNCT
elp-56284	11	28	that	that	ADV
elp-56284	11	29	is	is	ADV
elp-56284	11	30	,	,	PUNCT
elp-56284	11	31	whether	whether	SCONJ
elp-56284	11	32	the	the	DET
elp-56284	11	33	borrower	borrower	NOUN
elp-56284	11	34	constitutes	constitute	VERB
elp-56284	11	35	a	a	DET
elp-56284	11	36	contract	contract	NOUN
elp-56284	11	37	fraud	fraud	NOUN
elp-56284	11	38	against	against	ADP
elp-56284	11	39	the	the	DET
elp-56284	11	40	guarantor	guarantor	NOUN
elp-56284	11	41	or	or	CCONJ
elp-56284	11	42	a	a	DET
elp-56284	11	43	loan	loan	NOUN
elp-56284	11	44	fraud	fraud	NOUN
elp-56284	11	45	against	against	ADP
elp-56284	11	46	a	a	DET
elp-56284	11	47	bank	bank	NOUN
elp-56284	11	48	or	or	CCONJ
elp-56284	11	49	other	other	ADJ
elp-56284	11	50	financial	financial	ADJ
elp-56284	11	51	institution	institution	NOUN
elp-56284	11	52	,	,	PUNCT
elp-56284	11	53	or	or	CCONJ
elp-56284	11	54	whether	whether	SCONJ
elp-56284	11	55	both	both	CCONJ
elp-56284	11	56	the	the	DET
elp-56284	11	57	previous	previous	ADJ
elp-56284	11	58	and	and	CCONJ
elp-56284	11	59	subsequent	subsequent	ADJ
elp-56284	11	60	acts	act	NOUN
elp-56284	11	61	constitute	constitute	VERB
elp-56284	11	62	a	a	DET
elp-56284	11	63	crime	crime	NOUN
elp-56284	11	64	of	of	ADP
elp-56284	11	65	fraud	fraud	NOUN
elp-56284	11	66	,	,	PUNCT
elp-56284	11	67	and	and	CCONJ
elp-56284	11	68	whether	whether	SCONJ
elp-56284	11	69	the	the	DET
elp-56284	11	70	guarantor	guarantor	NOUN
elp-56284	11	71	’s	’s	PART
elp-56284	11	72	liability	liability	NOUN
elp-56284	11	73	for	for	ADP
elp-56284	11	74	guarantee	guarantee	NOUN
elp-56284	11	75	in	in	ADP
elp-56284	11	76	accordance	accordance	NOUN
elp-56284	11	77	with	with	ADP
elp-56284	11	78	the	the	DET
elp-56284	11	79	contract	contract	NOUN
elp-56284	11	80	and	and	CCONJ
elp-56284	11	81	the	the	DET
elp-56284	11	82	compensation	compensation	NOUN
elp-56284	11	83	of	of	ADP
elp-56284	11	84	the	the	DET
elp-56284	11	85	loan	loan	NOUN
elp-56284	11	86	losses	loss	NOUN
elp-56284	11	87	of	of	ADP
elp-56284	11	88	banks	bank	NOUN
elp-56284	11	89	and	and	CCONJ
elp-56284	11	90	other	other	ADJ
elp-56284	11	91	financial	financial	ADJ
elp-56284	11	92	institutions	institution	NOUN
elp-56284	11	93	affect	affect	VERB
elp-56284	11	94	the	the	DET
elp-56284	11	95	criminal	criminal	ADJ
elp-56284	11	96	law	law	NOUN
elp-56284	11	97	determination	determination	NOUN
elp-56284	11	98	of	of	ADP
elp-56284	11	99	the	the	DET
elp-56284	11	100	nature	nature	NOUN
elp-56284	11	101	of	of	ADP
elp-56284	11	102	the	the	DET
elp-56284	11	103	borrower	borrower	NOUN
elp-56284	11	104	’s	’s	PART
elp-56284	11	105	behavior	behavior	NOUN
elp-56284	11	106	.	.	PUNCT
elp-56284	12	1	2	2	X
elp-56284	12	2	.	.	X
elp-56284	12	3	an	an	DET
elp-56284	12	4	analysis	analysis	NOUN
elp-56284	12	5	of	of	ADP
elp-56284	12	6	the	the	DET
elp-56284	12	7	dispute	dispute	NOUN
elp-56284	12	8	over	over	ADP
elp-56284	12	9	the	the	DET
elp-56284	12	10	determination	determination	NOUN
elp-56284	12	11	of	of	ADP
elp-56284	12	12	the	the	DET
elp-56284	12	13	nature	nature	NOUN
elp-56284	12	14	of	of	ADP
elp-56284	12	15	double	double	ADJ
elp-56284	12	16	fraud	fraud	NOUN
elp-56284	12	17	by	by	ADP
elp-56284	12	18	borrowers	borrower	NOUN
elp-56284	12	19	2.1	2.1	NUM
elp-56284	12	20	disputes	dispute	NOUN
elp-56284	12	21	in	in	ADP
elp-56284	12	22	the	the	DET
elp-56284	12	23	determination	determination	NOUN
elp-56284	12	24	of	of	ADP
elp-56284	12	25	the	the	DET
elp-56284	12	26	number	number	NOUN
elp-56284	12	27	of	of	ADP
elp-56284	12	28	crimes	crime	NOUN
elp-56284	12	29	2.1.1	2.1.1	NUM
elp-56284	12	30	theory	theory	NOUN
elp-56284	12	31	of	of	ADP
elp-56284	12	32	several	several	ADJ
elp-56284	12	33	crimes	crime	NOUN
elp-56284	12	34	this	this	DET
elp-56284	12	35	view	view	NOUN
elp-56284	12	36	holds	hold	VERB
elp-56284	12	37	that	that	SCONJ
elp-56284	12	38	the	the	DET
elp-56284	12	39	act	act	NOUN
elp-56284	12	40	of	of	ADP
elp-56284	12	41	defrauding	defraud	VERB
elp-56284	12	42	guarantees	guarantee	NOUN
elp-56284	12	43	and	and	CCONJ
elp-56284	12	44	obtaining	obtain	VERB
elp-56284	12	45	loans	loan	NOUN
elp-56284	12	46	from	from	ADP
elp-56284	12	47	financial	financial	ADJ
elp-56284	12	48	institutions	institution	NOUN
elp-56284	12	49	by	by	ADP
elp-56284	12	50	fraudulent	fraudulent	ADJ
elp-56284	12	51	means	mean	NOUN
elp-56284	12	52	constitutes	constitute	VERB
elp-56284	12	53	the	the	DET
elp-56284	12	54	crime	crime	NOUN
elp-56284	12	55	of	of	ADP
elp-56284	12	56	loan	loan	NOUN
elp-56284	12	57	fraud	fraud	NOUN
elp-56284	12	58	against	against	ADP
elp-56284	12	59	financial	financial	ADJ
elp-56284	12	60	institutions	institution	NOUN
elp-56284	12	61	and	and	CCONJ
elp-56284	12	62	the	the	DET
elp-56284	12	63	crime	crime	NOUN
elp-56284	12	64	of	of	ADP
elp-56284	12	65	contract	contract	NOUN
elp-56284	12	66	fraud	fraud	NOUN
elp-56284	12	67	against	against	ADP
elp-56284	12	68	guarantors	guarantor	NOUN
elp-56284	12	69	.	.	PUNCT
elp-56284	13	1	although	although	SCONJ
elp-56284	13	2	some	some	DET
elp-56284	13	3	scholars	scholar	NOUN
elp-56284	13	4	admit	admit	VERB
elp-56284	13	5	the	the	DET
elp-56284	13	6	establishment	establishment	NOUN
elp-56284	13	7	of	of	ADP
elp-56284	13	8	several	several	ADJ
elp-56284	13	9	crimes	crime	NOUN
elp-56284	13	10	,	,	PUNCT
elp-56284	13	11	they	they	PRON
elp-56284	13	12	are	be	AUX
elp-56284	13	13	concerned	concerned	ADJ
elp-56284	13	14	that	that	SCONJ
elp-56284	13	15	the	the	DET
elp-56284	13	16	combined	combined	ADJ
elp-56284	13	17	punishment	punishment	NOUN
elp-56284	13	18	of	of	ADP
elp-56284	13	19	several	several	ADJ
elp-56284	13	20	crimes	crime	NOUN
elp-56284	13	21	may	may	AUX
elp-56284	13	22	lead	lead	VERB
elp-56284	13	23	to	to	ADP
elp-56284	13	24	excessive	excessive	ADJ
elp-56284	13	25	sentencing	sentencing	NOUN
elp-56284	13	26	,	,	PUNCT
elp-56284	13	27	so	so	ADV
elp-56284	13	28	they	they	PRON
elp-56284	13	29	tend	tend	VERB
elp-56284	13	30	to	to	PART
elp-56284	13	31	be	be	AUX
elp-56284	13	32	punished	punish	VERB
elp-56284	13	33	from	from	ADP
elp-56284	13	34	a	a	DET
elp-56284	13	35	felony	felony	NOUN
elp-56284	13	36	with	with	ADP
elp-56284	13	37	the	the	DET
elp-56284	13	38	theory	theory	NOUN
elp-56284	13	39	of	of	ADP
elp-56284	13	40	implicated	implicated	ADJ
elp-56284	13	41	crime	crime	NOUN
elp-56284	13	42	(	(	PUNCT
elp-56284	13	43	zhang	zhang	PROPN
elp-56284	13	44	,	,	PUNCT
elp-56284	13	45	m.	m.	PROPN
elp-56284	13	46	k.	k.	PROPN
elp-56284	13	47	,	,	PUNCT
elp-56284	13	48	2021	2021	NUM
elp-56284	13	49	)	)	PUNCT
elp-56284	13	50	.	.	PUNCT
elp-56284	14	1	the	the	DET
elp-56284	14	2	core	core	NOUN
elp-56284	14	3	reasons	reason	NOUN
elp-56284	14	4	for	for	ADP
elp-56284	14	5	supporting	support	VERB
elp-56284	14	6	the	the	DET
elp-56284	14	7	theory	theory	NOUN
elp-56284	14	8	of	of	ADP
elp-56284	14	9	several	several	ADJ
elp-56284	14	10	crimes	crime	NOUN
elp-56284	14	11	can	can	AUX
elp-56284	14	12	be	be	AUX
elp-56284	14	13	summarized	summarize	VERB
elp-56284	14	14	as	as	ADP
elp-56284	14	15	the	the	DET
elp-56284	14	16	following	follow	VERB
elp-56284	14	17	six	six	NUM
elp-56284	14	18	aspects	aspect	NOUN
elp-56284	14	19	:	:	PUNCT
elp-56284	14	20	first	first	ADV
elp-56284	14	21	,	,	PUNCT
elp-56284	14	22	according	accord	VERB
elp-56284	14	23	to	to	ADP
elp-56284	14	24	the	the	DET
elp-56284	14	25	substantive	substantive	ADJ
elp-56284	14	26	individual	individual	ADJ
elp-56284	14	27	property	property	NOUN
elp-56284	14	28	theory	theory	NOUN
elp-56284	14	29	,	,	PUNCT
elp-56284	14	30	the	the	DET
elp-56284	14	31	core	core	NOUN
elp-56284	14	32	purpose	purpose	NOUN
elp-56284	14	33	of	of	ADP
elp-56284	14	34	financial	financial	ADJ
elp-56284	14	35	institutions	institution	NOUN
elp-56284	14	36	to	to	PART
elp-56284	14	37	issue	issue	VERB
elp-56284	14	38	loans	loan	NOUN
elp-56284	14	39	is	be	AUX
elp-56284	14	40	to	to	PART
elp-56284	14	41	recover	recover	VERB
elp-56284	14	42	principal	principal	NOUN
elp-56284	14	43	and	and	CCONJ
elp-56284	14	44	interest	interest	NOUN
elp-56284	14	45	rather	rather	ADV
elp-56284	14	46	than	than	ADP
elp-56284	14	47	dispose	dispose	NOUN
elp-56284	14	48	of	of	ADP
elp-56284	14	49	collateral	collateral	NOUN
elp-56284	14	50	.	.	PUNCT
elp-56284	15	1	the	the	DET
elp-56284	15	2	borrower	borrower	NOUN
elp-56284	15	3	’s	’s	PART
elp-56284	15	4	failure	failure	NOUN
elp-56284	15	5	to	to	PART
elp-56284	15	6	fulfill	fulfill	VERB
elp-56284	15	7	the	the	DET
elp-56284	15	8	obligation	obligation	NOUN
elp-56284	15	9	to	to	PART
elp-56284	15	10	repay	repay	VERB
elp-56284	15	11	principal	principal	NOUN
elp-56284	15	12	and	and	CCONJ
elp-56284	15	13	interest	interest	NOUN
elp-56284	15	14	leads	lead	VERB
elp-56284	15	15	to	to	ADP
elp-56284	15	16	the	the	DET
elp-56284	15	17	failure	failure	NOUN
elp-56284	15	18	of	of	ADP
elp-56284	15	19	the	the	DET
elp-56284	15	20	financial	financial	ADJ
elp-56284	15	21	institution	institution	NOUN
elp-56284	15	22	’s	’s	PART
elp-56284	15	23	property	property	NOUN
elp-56284	15	24	disposal	disposal	NOUN
elp-56284	15	25	purpose	purpose	NOUN
elp-56284	15	26	,	,	PUNCT
elp-56284	15	27	which	which	PRON
elp-56284	15	28	constitutes	constitute	VERB
elp-56284	15	29	a	a	DET
elp-56284	15	30	substantial	substantial	ADJ
elp-56284	15	31	property	property	NOUN
elp-56284	15	32	loss	loss	NOUN
elp-56284	15	33	.	.	PUNCT
elp-56284	16	1	second	second	ADJ
elp-56284	16	2	,	,	PUNCT
elp-56284	16	3	the	the	DET
elp-56284	16	4	essence	essence	NOUN
elp-56284	16	5	of	of	ADP
elp-56284	16	6	the	the	DET
elp-56284	16	7	realization	realization	NOUN
elp-56284	16	8	of	of	ADP
elp-56284	16	9	the	the	DET
elp-56284	16	10	security	security	NOUN
elp-56284	16	11	right	right	ADV
elp-56284	16	12	is	be	AUX
elp-56284	16	13	an	an	DET
elp-56284	16	14	expost	expost	ADJ
elp-56284	16	15	remedy	remedy	NOUN
elp-56284	16	16	,	,	PUNCT
elp-56284	16	17	which	which	PRON
elp-56284	16	18	is	be	AUX
elp-56284	16	19	only	only	ADV
elp-56284	16	20	used	use	VERB
elp-56284	16	21	to	to	PART
elp-56284	16	22	fill	fill	VERB
elp-56284	16	23	the	the	DET
elp-56284	16	24	losses	loss	NOUN
elp-56284	16	25	that	that	PRON
elp-56284	16	26	have	have	AUX
elp-56284	16	27	occurred	occur	VERB
elp-56284	16	28	rather	rather	ADV
elp-56284	16	29	than	than	ADP
elp-56284	16	30	to	to	PART
elp-56284	16	31	prevent	prevent	VERB
elp-56284	16	32	the	the	DET
elp-56284	16	33	occurrence	occurrence	NOUN
elp-56284	16	34	of	of	ADP
elp-56284	16	35	losses	loss	NOUN
elp-56284	16	36	in	in	ADP
elp-56284	16	37	advance	advance	NOUN
elp-56284	16	38	.	.	PUNCT
elp-56284	17	1	the	the	DET
elp-56284	17	2	property	property	NOUN
elp-56284	17	3	legal	legal	ADJ
elp-56284	17	4	interests	interest	NOUN
elp-56284	17	5	of	of	ADP
elp-56284	17	6	financial	financial	ADJ
elp-56284	17	7	institutions	institution	NOUN
elp-56284	17	8	have	have	AUX
elp-56284	17	9	been	be	AUX
elp-56284	17	10	infringed	infringe	VERB
elp-56284	17	11	upon	upon	SCONJ
elp-56284	17	12	when	when	SCONJ
elp-56284	17	13	lending	lending	NOUN
elp-56284	17	14	(	(	PUNCT
elp-56284	17	15	jiang	jiang	PROPN
elp-56284	17	16	,	,	PUNCT
elp-56284	17	17	d.	d.	PROPN
elp-56284	17	18	f.	f.	PROPN
elp-56284	17	19	,	,	PUNCT
elp-56284	17	20	2021	2021	NUM
elp-56284	17	21	,	,	PUNCT
elp-56284	17	22	pp	pp	ADJ
elp-56284	17	23	.	.	PUNCT
elp-56284	18	1	1	1	NUM
elp-56284	18	2	-	-	SYM
elp-56284	18	3	9	9	NUM
elp-56284	18	4	)	)	PUNCT
elp-56284	18	5	.	.	PUNCT
elp-56284	19	1	third	third	ADV
elp-56284	19	2	,	,	PUNCT
elp-56284	19	3	defrauding	defraud	VERB
elp-56284	19	4	guarantees	guarantee	NOUN
elp-56284	19	5	is	be	AUX
elp-56284	19	6	a	a	DET
elp-56284	19	7	means	means	NOUN
elp-56284	19	8	of	of	ADP
elp-56284	19	9	serving	serve	VERB
elp-56284	19	10	the	the	DET
elp-56284	19	11	final	final	ADJ
elp-56284	19	12	defrauding	defrauding	NOUN
elp-56284	19	13	of	of	ADP
elp-56284	19	14	loans	loan	NOUN
elp-56284	19	15	.	.	PUNCT
elp-56284	20	1	if	if	SCONJ
elp-56284	20	2	only	only	ADV
elp-56284	20	3	the	the	DET
elp-56284	20	4	crime	crime	NOUN
elp-56284	20	5	of	of	ADP
elp-56284	20	6	contract	contract	NOUN
elp-56284	20	7	fraud	fraud	NOUN
elp-56284	20	8	against	against	ADP
elp-56284	20	9	the	the	DET
elp-56284	20	10	guarantor	guarantor	NOUN
elp-56284	20	11	is	be	AUX
elp-56284	20	12	evaluated	evaluate	VERB
elp-56284	20	13	,	,	PUNCT
elp-56284	20	14	it	it	PRON
elp-56284	20	15	can	can	AUX
elp-56284	20	16	not	not	PART
elp-56284	20	17	cover	cover	VERB
elp-56284	20	18	the	the	DET
elp-56284	20	19	dual	dual	ADJ
elp-56284	20	20	infringement	infringement	NOUN
elp-56284	20	21	of	of	ADP
elp-56284	20	22	financial	financial	ADJ
elp-56284	20	23	credit	credit	NOUN
elp-56284	20	24	management	management	NOUN
elp-56284	20	25	order	order	NOUN
elp-56284	20	26	and	and	CCONJ
elp-56284	20	27	bank	bank	NOUN
elp-56284	20	28	capital	capital	NOUN
elp-56284	20	29	security	security	NOUN
elp-56284	20	30	.	.	PUNCT
elp-56284	21	1	fourth	fourth	ADJ
elp-56284	21	2	,	,	PUNCT
elp-56284	21	3	whether	whether	SCONJ
elp-56284	21	4	the	the	DET
elp-56284	21	5	guarantor	guarantor	NOUN
elp-56284	21	6	actually	actually	ADV
elp-56284	21	7	bears	bear	VERB
elp-56284	21	8	the	the	DET
elp-56284	21	9	guarantee	guarantee	NOUN
elp-56284	21	10	liability	liability	NOUN
elp-56284	21	11	is	be	AUX
elp-56284	21	12	subject	subject	ADJ
elp-56284	21	13	to	to	ADP
elp-56284	21	14	accidental	accidental	ADJ
elp-56284	21	15	factors	factor	NOUN
elp-56284	21	16	such	such	ADJ
elp-56284	21	17	as	as	ADP
elp-56284	21	18	guarantee	guarantee	NOUN
elp-56284	21	19	ability	ability	NOUN
elp-56284	21	20	(	(	PUNCT
elp-56284	21	21	such	such	ADJ
elp-56284	21	22	as	as	ADP
elp-56284	21	23	bankruptcy	bankruptcy	NOUN
elp-56284	21	24	or	or	CCONJ
elp-56284	21	25	loss	loss	NOUN
elp-56284	21	26	of	of	ADP
elp-56284	21	27	collateral	collateral	NOUN
elp-56284	21	28	)	)	PUNCT
elp-56284	21	29	.	.	PUNCT
elp-56284	22	1	if	if	SCONJ
elp-56284	22	2	the	the	DET
elp-56284	22	3	guarantee	guarantee	NOUN
elp-56284	22	4	liability	liability	NOUN
elp-56284	22	5	can	can	AUX
elp-56284	22	6	not	not	PART
elp-56284	22	7	be	be	AUX
elp-56284	22	8	fulfilled	fulfil	VERB
elp-56284	22	9	,	,	PUNCT
elp-56284	22	10	the	the	DET
elp-56284	22	11	loss	loss	NOUN
elp-56284	22	12	is	be	AUX
elp-56284	22	13	still	still	ADV
elp-56284	22	14	borne	bear	VERB
elp-56284	22	15	by	by	ADP
elp-56284	22	16	the	the	DET
elp-56284	22	17	financial	financial	ADJ
elp-56284	22	18	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	22	19	economics	economic	NOUN
elp-56284	22	20	,	,	PUNCT
elp-56284	22	21	law	law	NOUN
elp-56284	22	22	and	and	CCONJ
elp-56284	22	23	policy	policy	NOUN
elp-56284	22	24	vol	vol	NOUN
elp-56284	22	25	.	.	PROPN
elp-56284	23	1	8	8	NUM
elp-56284	23	2	,	,	PUNCT
elp-56284	23	3	no	no	INTJ
elp-56284	23	4	.	.	NOUN
elp-56284	23	5	2	2	NUM
elp-56284	23	6	,	,	PUNCT
elp-56284	23	7	2025	2025	NUM
elp-56284	23	8	116	116	NUM
elp-56284	23	9	published	publish	VERB
elp-56284	23	10	by	by	ADP
elp-56284	23	11	scholink	scholink	PROPN
elp-56284	23	12	inc	inc	PROPN
elp-56284	23	13	.	.	PROPN
elp-56284	23	14	institution	institution	NOUN
elp-56284	23	15	(	(	PUNCT
elp-56284	23	16	qian	qian	PROPN
elp-56284	23	17	,	,	PUNCT
elp-56284	23	18	y.	y.	PROPN
elp-56284	23	19	l.	l.	PROPN
elp-56284	23	20	,	,	PUNCT
elp-56284	23	21	2018	2018	NUM
elp-56284	23	22	,	,	PUNCT
elp-56284	23	23	pp	pp	ADJ
elp-56284	23	24	.	.	PUNCT
elp-56284	24	1	160	160	NUM
elp-56284	24	2	-	-	SYM
elp-56284	24	3	169	169	NUM
elp-56284	24	4	)	)	PUNCT
elp-56284	24	5	.	.	PUNCT
elp-56284	25	1	fifth	fifth	ADJ
elp-56284	25	2	,	,	PUNCT
elp-56284	25	3	the	the	DET
elp-56284	25	4	loan	loan	NOUN
elp-56284	25	5	funds	fund	NOUN
elp-56284	25	6	directly	directly	ADV
elp-56284	25	7	come	come	VERB
elp-56284	25	8	from	from	ADP
elp-56284	25	9	financial	financial	ADJ
elp-56284	25	10	institutions	institution	NOUN
elp-56284	25	11	rather	rather	ADV
elp-56284	25	12	than	than	ADP
elp-56284	25	13	guarantors	guarantor	NOUN
elp-56284	25	14	.	.	PUNCT
elp-56284	26	1	the	the	DET
elp-56284	26	2	actor	actor	NOUN
elp-56284	26	3	obtains	obtain	VERB
elp-56284	26	4	the	the	DET
elp-56284	26	5	security	security	NOUN
elp-56284	26	6	right	right	ADV
elp-56284	26	7	and	and	CCONJ
elp-56284	26	8	the	the	DET
elp-56284	26	9	loan	loan	NOUN
elp-56284	26	10	funds	fund	NOUN
elp-56284	26	11	respectively	respectively	ADV
elp-56284	26	12	through	through	ADP
elp-56284	26	13	the	the	DET
elp-56284	26	14	double	double	ADJ
elp-56284	26	15	deception	deception	NOUN
elp-56284	26	16	behavior	behavior	NOUN
elp-56284	26	17	,	,	PUNCT
elp-56284	26	18	and	and	CCONJ
elp-56284	26	19	the	the	DET
elp-56284	26	20	nature	nature	NOUN
elp-56284	26	21	and	and	CCONJ
elp-56284	26	22	source	source	NOUN
elp-56284	26	23	of	of	ADP
elp-56284	26	24	the	the	DET
elp-56284	26	25	two	two	NUM
elp-56284	26	26	objects	object	NOUN
elp-56284	26	27	are	be	AUX
elp-56284	26	28	not	not	PART
elp-56284	26	29	the	the	DET
elp-56284	26	30	same	same	ADJ
elp-56284	26	31	(	(	PUNCT
elp-56284	26	32	lin	lin	PROPN
elp-56284	26	33	,	,	PUNCT
elp-56284	26	34	z.	z.	PROPN
elp-56284	26	35	y.	y.	PROPN
elp-56284	26	36	,	,	PUNCT
elp-56284	26	37	2020	2020	NUM
elp-56284	26	38	)	)	PUNCT
elp-56284	26	39	.	.	PUNCT
elp-56284	27	1	sixth	sixth	ADJ
elp-56284	27	2	,	,	PUNCT
elp-56284	27	3	if	if	SCONJ
elp-56284	27	4	only	only	ADV
elp-56284	27	5	the	the	DET
elp-56284	27	6	crime	crime	NOUN
elp-56284	27	7	of	of	ADP
elp-56284	27	8	contract	contract	NOUN
elp-56284	27	9	fraud	fraud	NOUN
elp-56284	27	10	is	be	AUX
elp-56284	27	11	identified	identify	VERB
elp-56284	27	12	,	,	PUNCT
elp-56284	27	13	it	it	PRON
elp-56284	27	14	can	can	AUX
elp-56284	27	15	not	not	PART
elp-56284	27	16	explain	explain	VERB
elp-56284	27	17	the	the	DET
elp-56284	27	18	independent	independent	ADJ
elp-56284	27	19	establishment	establishment	NOUN
elp-56284	27	20	elements	element	NOUN
elp-56284	27	21	of	of	ADP
elp-56284	27	22	the	the	DET
elp-56284	27	23	crime	crime	NOUN
elp-56284	27	24	when	when	SCONJ
elp-56284	27	25	the	the	DET
elp-56284	27	26	perpetrator	perpetrator	NOUN
elp-56284	27	27	obtains	obtain	VERB
elp-56284	27	28	a	a	DET
elp-56284	27	29	loan	loan	NOUN
elp-56284	27	30	from	from	ADP
elp-56284	27	31	a	a	DET
elp-56284	27	32	financial	financial	ADJ
elp-56284	27	33	institution	institution	NOUN
elp-56284	27	34	in	in	ADP
elp-56284	27	35	the	the	DET
elp-56284	27	36	crime	crime	NOUN
elp-56284	27	37	of	of	ADP
elp-56284	27	38	loan	loan	NOUN
elp-56284	27	39	fraud	fraud	NOUN
elp-56284	27	40	,	,	PUNCT
elp-56284	27	41	that	that	ADV
elp-56284	27	42	is	is	ADV
elp-56284	27	43	,	,	PUNCT
elp-56284	27	44	it	it	PRON
elp-56284	27	45	can	can	AUX
elp-56284	27	46	not	not	PART
elp-56284	27	47	explain	explain	VERB
elp-56284	27	48	the	the	DET
elp-56284	27	49	time	time	NOUN
elp-56284	27	50	point	point	NOUN
elp-56284	27	51	of	of	ADP
elp-56284	27	52	the	the	DET
elp-56284	27	53	crime	crime	NOUN
elp-56284	27	54	of	of	ADP
elp-56284	27	55	fraud	fraud	NOUN
elp-56284	27	56	.	.	PUNCT
elp-56284	28	1	2.1.2	2.1.2	NUM
elp-56284	28	2	theory	theory	NOUN
elp-56284	28	3	of	of	ADP
elp-56284	28	4	one	one	NUM
elp-56284	28	5	crime	crime	NOUN
elp-56284	28	6	the	the	DET
elp-56284	28	7	theory	theory	NOUN
elp-56284	28	8	advocates	advocate	VERB
elp-56284	28	9	that	that	SCONJ
elp-56284	28	10	the	the	DET
elp-56284	28	11	act	act	NOUN
elp-56284	28	12	of	of	ADP
elp-56284	28	13	obtaining	obtain	VERB
elp-56284	28	14	a	a	DET
elp-56284	28	15	loan	loan	NOUN
elp-56284	28	16	after	after	SCONJ
elp-56284	28	17	the	the	DET
elp-56284	28	18	actor	actor	NOUN
elp-56284	28	19	defrauds	defraud	VERB
elp-56284	28	20	the	the	DET
elp-56284	28	21	guarantee	guarantee	NOUN
elp-56284	28	22	constitutes	constitute	VERB
elp-56284	28	23	only	only	ADV
elp-56284	28	24	one	one	NUM
elp-56284	28	25	crime	crime	NOUN
elp-56284	28	26	.	.	PUNCT
elp-56284	29	1	the	the	DET
elp-56284	29	2	core	core	NOUN
elp-56284	29	3	reasons	reason	NOUN
elp-56284	29	4	are	be	AUX
elp-56284	29	5	as	as	SCONJ
elp-56284	29	6	follows	follow	VERB
elp-56284	29	7	:	:	PUNCT
elp-56284	29	8	first	first	ADV
elp-56284	29	9	,	,	PUNCT
elp-56284	29	10	because	because	SCONJ
elp-56284	29	11	the	the	DET
elp-56284	29	12	guarantee	guarantee	NOUN
elp-56284	29	13	system	system	NOUN
elp-56284	29	14	provides	provide	VERB
elp-56284	29	15	equivalent	equivalent	ADJ
elp-56284	29	16	economic	economic	ADJ
elp-56284	29	17	compensation	compensation	NOUN
elp-56284	29	18	,	,	PUNCT
elp-56284	29	19	financial	financial	ADJ
elp-56284	29	20	institutions	institution	NOUN
elp-56284	29	21	have	have	AUX
elp-56284	29	22	obtained	obtain	VERB
elp-56284	29	23	a	a	DET
elp-56284	29	24	security	security	NOUN
elp-56284	29	25	right	right	ADV
elp-56284	29	26	when	when	SCONJ
elp-56284	29	27	issuing	issue	VERB
elp-56284	29	28	loans	loan	NOUN
elp-56284	29	29	(	(	PUNCT
elp-56284	29	30	whether	whether	SCONJ
elp-56284	29	31	as	as	ADP
elp-56284	29	32	property	property	NOUN
elp-56284	29	33	interests	interest	NOUN
elp-56284	29	34	or	or	CCONJ
elp-56284	29	35	property	property	NOUN
elp-56284	29	36	legal	legal	ADJ
elp-56284	29	37	interests	interest	NOUN
elp-56284	29	38	)	)	PUNCT
elp-56284	29	39	,	,	PUNCT
elp-56284	29	40	and	and	CCONJ
elp-56284	29	41	their	their	PRON
elp-56284	29	42	property	property	NOUN
elp-56284	29	43	disposition	disposition	NOUN
elp-56284	29	44	behavior	behavior	NOUN
elp-56284	29	45	has	have	VERB
elp-56284	29	46	a	a	DET
elp-56284	29	47	basis	basis	NOUN
elp-56284	29	48	for	for	ADP
elp-56284	29	49	consideration	consideration	NOUN
elp-56284	29	50	and	and	CCONJ
elp-56284	29	51	does	do	AUX
elp-56284	29	52	not	not	PART
elp-56284	29	53	meet	meet	VERB
elp-56284	29	54	the	the	DET
elp-56284	29	55	constitutive	constitutive	ADJ
elp-56284	29	56	elements	element	NOUN
elp-56284	29	57	of	of	ADP
elp-56284	29	58	property	property	NOUN
elp-56284	29	59	loss	loss	NOUN
elp-56284	29	60	in	in	ADP
elp-56284	29	61	the	the	DET
elp-56284	29	62	crime	crime	NOUN
elp-56284	29	63	of	of	ADP
elp-56284	29	64	fraud	fraud	NOUN
elp-56284	29	65	(	(	PUNCT
elp-56284	29	66	chen	chen	PROPN
elp-56284	29	67	,	,	PUNCT
elp-56284	29	68	s.	s.	PROPN
elp-56284	29	69	q.	q.	PROPN
elp-56284	29	70	,	,	PUNCT
elp-56284	29	71	2019	2019	NUM
elp-56284	29	72	,	,	PUNCT
elp-56284	29	73	pp	pp	ADJ
elp-56284	29	74	.	.	PUNCT
elp-56284	30	1	52	52	NUM
elp-56284	30	2	-	-	SYM
elp-56284	30	3	66	66	NUM
elp-56284	30	4	)	)	PUNCT
elp-56284	30	5	.	.	PUNCT
elp-56284	31	1	second	second	ADJ
elp-56284	31	2	,	,	PUNCT
elp-56284	31	3	the	the	DET
elp-56284	31	4	ultimate	ultimate	ADJ
elp-56284	31	5	loss	loss	NOUN
elp-56284	31	6	is	be	AUX
elp-56284	31	7	the	the	DET
elp-56284	31	8	guarantor	guarantor	NOUN
elp-56284	31	9	.	.	PUNCT
elp-56284	32	1	according	accord	VERB
elp-56284	32	2	to	to	ADP
elp-56284	32	3	the	the	DET
elp-56284	32	4	validity	validity	NOUN
elp-56284	32	5	of	of	ADP
elp-56284	32	6	the	the	DET
elp-56284	32	7	guarantee	guarantee	NOUN
elp-56284	32	8	contract	contract	NOUN
elp-56284	32	9	,	,	PUNCT
elp-56284	32	10	even	even	ADV
elp-56284	32	11	if	if	SCONJ
elp-56284	32	12	the	the	DET
elp-56284	32	13	guarantor	guarantor	NOUN
elp-56284	32	14	can	can	AUX
elp-56284	32	15	not	not	PART
elp-56284	32	16	actually	actually	ADV
elp-56284	32	17	perform	perform	VERB
elp-56284	32	18	the	the	DET
elp-56284	32	19	guarantee	guarantee	NOUN
elp-56284	32	20	responsibility	responsibility	NOUN
elp-56284	32	21	due	due	ADP
elp-56284	32	22	to	to	ADP
elp-56284	32	23	objective	objective	ADJ
elp-56284	32	24	reasons	reason	NOUN
elp-56284	32	25	such	such	ADJ
elp-56284	32	26	as	as	ADP
elp-56284	32	27	bankruptcy	bankruptcy	NOUN
elp-56284	32	28	,	,	PUNCT
elp-56284	32	29	it	it	PRON
elp-56284	32	30	is	be	AUX
elp-56284	32	31	still	still	ADV
elp-56284	32	32	the	the	DET
elp-56284	32	33	legal	legal	ADJ
elp-56284	32	34	subject	subject	NOUN
elp-56284	32	35	of	of	ADP
elp-56284	32	36	debt	debt	NOUN
elp-56284	32	37	undertaking	undertaking	NOUN
elp-56284	32	38	,	,	PUNCT
elp-56284	32	39	and	and	CCONJ
elp-56284	32	40	the	the	DET
elp-56284	32	41	civil	civil	ADJ
elp-56284	32	42	creditor	creditor	NOUN
elp-56284	32	43	’s	’s	PART
elp-56284	32	44	rights	right	NOUN
elp-56284	32	45	of	of	ADP
elp-56284	32	46	financial	financial	ADJ
elp-56284	32	47	institutions	institution	NOUN
elp-56284	32	48	always	always	ADV
elp-56284	32	49	point	point	VERB
elp-56284	32	50	to	to	ADP
elp-56284	32	51	the	the	DET
elp-56284	32	52	guarantor	guarantor	NOUN
elp-56284	32	53	(	(	PUNCT
elp-56284	32	54	criminal	criminal	ADJ
elp-56284	32	55	trials	trial	NOUN
elp-56284	32	56	of	of	ADP
elp-56284	32	57	the	the	DET
elp-56284	32	58	first	first	ADJ
elp-56284	32	59	and	and	CCONJ
elp-56284	32	60	second	second	ADJ
elp-56284	32	61	divisions	division	NOUN
elp-56284	32	62	of	of	ADP
elp-56284	32	63	the	the	DET
elp-56284	32	64	supreme	supreme	PROPN
elp-56284	32	65	people	people	PROPN
elp-56284	32	66	’s	’s	PART
elp-56284	32	67	court	court	NOUN
elp-56284	32	68	,	,	PUNCT
elp-56284	32	69	2006	2006	NUM
elp-56284	32	70	)	)	PUNCT
elp-56284	32	71	.	.	PUNCT
elp-56284	33	1	thirdly	thirdly	ADV
elp-56284	33	2	,	,	PUNCT
elp-56284	33	3	it	it	PRON
elp-56284	33	4	advocates	advocate	VERB
elp-56284	33	5	that	that	SCONJ
elp-56284	33	6	the	the	DET
elp-56284	33	7	“	"	PUNCT
elp-56284	33	8	important	important	ADJ
elp-56284	33	9	matters	matter	NOUN
elp-56284	33	10	”	"	PUNCT
elp-56284	33	11	of	of	ADP
elp-56284	33	12	bank	bank	NOUN
elp-56284	33	13	lending	lending	NOUN
elp-56284	33	14	decision	decision	NOUN
elp-56284	33	15	-	-	PUNCT
elp-56284	33	16	making	making	NOUN
elp-56284	33	17	are	be	AUX
elp-56284	33	18	limited	limit	VERB
elp-56284	33	19	to	to	ADP
elp-56284	33	20	the	the	DET
elp-56284	33	21	true	true	ADJ
elp-56284	33	22	effectiveness	effectiveness	NOUN
elp-56284	33	23	of	of	ADP
elp-56284	33	24	the	the	DET
elp-56284	33	25	guarantee	guarantee	NOUN
elp-56284	33	26	.	.	PUNCT
elp-56284	34	1	the	the	DET
elp-56284	34	2	borrower	borrower	NOUN
elp-56284	34	3	’s	’s	PART
elp-56284	34	4	fictitious	fictitious	ADJ
elp-56284	34	5	loan	loan	NOUN
elp-56284	34	6	use	use	NOUN
elp-56284	34	7	,	,	PUNCT
elp-56284	34	8	forgery	forgery	NOUN
elp-56284	34	9	of	of	ADP
elp-56284	34	10	financial	financial	ADJ
elp-56284	34	11	data	datum	NOUN
elp-56284	34	12	and	and	CCONJ
elp-56284	34	13	other	other	ADJ
elp-56284	34	14	acts	act	NOUN
elp-56284	34	15	only	only	ADV
elp-56284	34	16	violate	violate	VERB
elp-56284	34	17	the	the	DET
elp-56284	34	18	contractual	contractual	ADJ
elp-56284	34	19	collateral	collateral	NOUN
elp-56284	34	20	obligation	obligation	NOUN
elp-56284	34	21	and	and	CCONJ
elp-56284	34	22	do	do	AUX
elp-56284	34	23	not	not	PART
elp-56284	34	24	constitute	constitute	VERB
elp-56284	34	25	the	the	DET
elp-56284	34	26	fraud	fraud	NOUN
elp-56284	34	27	elements	element	NOUN
elp-56284	34	28	required	require	VERB
elp-56284	34	29	by	by	ADP
elp-56284	34	30	the	the	DET
elp-56284	34	31	crime	crime	NOUN
elp-56284	34	32	of	of	ADP
elp-56284	34	33	loan	loan	NOUN
elp-56284	34	34	fraud	fraud	NOUN
elp-56284	34	35	in	in	ADP
elp-56284	34	36	article	article	NOUN
elp-56284	34	37	193	193	NUM
elp-56284	34	38	of	of	ADP
elp-56284	34	39	the	the	DET
elp-56284	34	40	“	"	PUNCT
elp-56284	34	41	criminal	criminal	ADJ
elp-56284	34	42	law	law	NOUN
elp-56284	34	43	”	"	PUNCT
elp-56284	34	44	(	(	PUNCT
elp-56284	34	45	yang	yang	PROPN
elp-56284	34	46	,	,	PUNCT
elp-56284	34	47	z.	z.	PROPN
elp-56284	34	48	q.	q.	PROPN
elp-56284	34	49	,	,	PUNCT
elp-56284	34	50	2018	2018	NUM
elp-56284	34	51	,	,	PUNCT
elp-56284	34	52	pp	pp	ADJ
elp-56284	34	53	.	.	PUNCT
elp-56284	35	1	151	151	NUM
elp-56284	35	2	-	-	SYM
elp-56284	35	3	160	160	NUM
elp-56284	35	4	)	)	PUNCT
elp-56284	35	5	.	.	PUNCT
elp-56284	36	1	the	the	DET
elp-56284	36	2	first	first	ADJ
elp-56284	36	3	two	two	NUM
elp-56284	36	4	reasons	reason	NOUN
elp-56284	36	5	are	be	AUX
elp-56284	36	6	reasonable	reasonable	ADJ
elp-56284	36	7	,	,	PUNCT
elp-56284	36	8	but	but	CCONJ
elp-56284	36	9	the	the	DET
elp-56284	36	10	third	third	ADJ
elp-56284	36	11	reason	reason	NOUN
elp-56284	36	12	is	be	AUX
elp-56284	36	13	that	that	SCONJ
elp-56284	36	14	in	in	ADP
elp-56284	36	15	the	the	DET
elp-56284	36	16	process	process	NOUN
elp-56284	36	17	of	of	ADP
elp-56284	36	18	applying	apply	VERB
elp-56284	36	19	for	for	ADP
elp-56284	36	20	a	a	DET
elp-56284	36	21	loan	loan	NOUN
elp-56284	36	22	from	from	ADP
elp-56284	36	23	a	a	DET
elp-56284	36	24	bank	bank	NOUN
elp-56284	36	25	after	after	ADP
elp-56284	36	26	defrauding	defraud	VERB
elp-56284	36	27	a	a	DET
elp-56284	36	28	third	third	ADJ
elp-56284	36	29	party	party	NOUN
elp-56284	36	30	’s	’s	PART
elp-56284	36	31	guarantee	guarantee	NOUN
elp-56284	36	32	,	,	PUNCT
elp-56284	36	33	the	the	DET
elp-56284	36	34	actor	actor	NOUN
elp-56284	36	35	often	often	ADV
elp-56284	36	36	does	do	AUX
elp-56284	36	37	not	not	PART
elp-56284	36	38	simply	simply	ADV
elp-56284	36	39	conceal	conceal	VERB
elp-56284	36	40	the	the	DET
elp-56284	36	41	deceptive	deceptive	ADJ
elp-56284	36	42	nature	nature	NOUN
elp-56284	36	43	of	of	ADP
elp-56284	36	44	the	the	DET
elp-56284	36	45	source	source	NOUN
elp-56284	36	46	of	of	ADP
elp-56284	36	47	the	the	DET
elp-56284	36	48	guarantee	guarantee	NOUN
elp-56284	36	49	,	,	PUNCT
elp-56284	36	50	but	but	CCONJ
elp-56284	36	51	often	often	ADV
elp-56284	36	52	accompanied	accompany	VERB
elp-56284	36	53	by	by	ADP
elp-56284	36	54	other	other	ADJ
elp-56284	36	55	fraudulent	fraudulent	ADJ
elp-56284	36	56	means	mean	NOUN
elp-56284	36	57	expressly	expressly	ADV
elp-56284	36	58	in	in	ADP
elp-56284	36	59	accordance	accordance	NOUN
elp-56284	36	60	with	with	ADP
elp-56284	36	61	article	article	NOUN
elp-56284	36	62	193	193	NUM
elp-56284	36	63	of	of	ADP
elp-56284	36	64	the	the	DET
elp-56284	36	65	“	"	PUNCT
elp-56284	36	66	criminal	criminal	ADJ
elp-56284	36	67	law	law	NOUN
elp-56284	36	68	”	"	PUNCT
elp-56284	36	69	,	,	PUNCT
elp-56284	36	70	such	such	ADJ
elp-56284	36	71	as	as	ADP
elp-56284	36	72	fabricating	fabricate	VERB
elp-56284	36	73	false	false	ADJ
elp-56284	36	74	loan	loan	NOUN
elp-56284	36	75	uses	use	NOUN
elp-56284	36	76	or	or	CCONJ
elp-56284	36	77	project	project	NOUN
elp-56284	36	78	backgrounds	background	NOUN
elp-56284	36	79	,	,	PUNCT
elp-56284	36	80	providing	provide	VERB
elp-56284	36	81	forged	forge	VERB
elp-56284	36	82	economic	economic	ADJ
elp-56284	36	83	contracts	contract	NOUN
elp-56284	36	84	,	,	PUNCT
elp-56284	36	85	issuing	issue	VERB
elp-56284	36	86	false	false	ADJ
elp-56284	36	87	supporting	support	VERB
elp-56284	36	88	documents	document	NOUN
elp-56284	36	89	,	,	PUNCT
elp-56284	36	90	or	or	CCONJ
elp-56284	36	91	misleading	mislead	VERB
elp-56284	36	92	financial	financial	ADJ
elp-56284	36	93	institutions	institution	NOUN
elp-56284	36	94	by	by	ADP
elp-56284	36	95	inflating	inflate	VERB
elp-56284	36	96	the	the	DET
elp-56284	36	97	value	value	NOUN
elp-56284	36	98	of	of	ADP
elp-56284	36	99	collateral	collateral	NOUN
elp-56284	36	100	or	or	CCONJ
elp-56284	36	101	repeating	repeat	VERB
elp-56284	36	102	guarantees	guarantee	NOUN
elp-56284	36	103	.	.	PUNCT
elp-56284	37	1	this	this	PRON
elp-56284	37	2	means	mean	VERB
elp-56284	37	3	that	that	SCONJ
elp-56284	37	4	only	only	ADV
elp-56284	37	5	those	those	PRON
elp-56284	37	6	who	who	PRON
elp-56284	37	7	deceive	deceive	VERB
elp-56284	37	8	the	the	DET
elp-56284	37	9	guarantor	guarantor	NOUN
elp-56284	37	10	to	to	PART
elp-56284	37	11	obtain	obtain	VERB
elp-56284	37	12	the	the	DET
elp-56284	37	13	guarantee	guarantee	NOUN
elp-56284	37	14	but	but	CCONJ
elp-56284	37	15	do	do	AUX
elp-56284	37	16	not	not	PART
elp-56284	37	17	implement	implement	VERB
elp-56284	37	18	other	other	ADJ
elp-56284	37	19	statutory	statutory	ADJ
elp-56284	37	20	fraud	fraud	NOUN
elp-56284	37	21	means	mean	VERB
elp-56284	37	22	against	against	ADP
elp-56284	37	23	the	the	DET
elp-56284	37	24	bank	bank	NOUN
elp-56284	37	25	do	do	AUX
elp-56284	37	26	not	not	PART
elp-56284	37	27	meet	meet	VERB
elp-56284	37	28	the	the	DET
elp-56284	37	29	constituent	constituent	ADJ
elp-56284	37	30	elements	element	NOUN
elp-56284	37	31	of	of	ADP
elp-56284	37	32	the	the	DET
elp-56284	37	33	crime	crime	NOUN
elp-56284	37	34	of	of	ADP
elp-56284	37	35	loan	loan	NOUN
elp-56284	37	36	fraud	fraud	NOUN
elp-56284	37	37	;	;	PUNCT
elp-56284	37	38	if	if	SCONJ
elp-56284	37	39	the	the	DET
elp-56284	37	40	actor	actor	NOUN
elp-56284	37	41	not	not	PART
elp-56284	37	42	only	only	ADV
elp-56284	37	43	obtains	obtain	VERB
elp-56284	37	44	the	the	DET
elp-56284	37	45	guarantee	guarantee	NOUN
elp-56284	37	46	,	,	PUNCT
elp-56284	37	47	but	but	CCONJ
elp-56284	37	48	also	also	ADV
elp-56284	37	49	implements	implement	VERB
elp-56284	37	50	the	the	DET
elp-56284	37	51	fraud	fraud	NOUN
elp-56284	37	52	(	(	PUNCT
elp-56284	37	53	such	such	ADJ
elp-56284	37	54	as	as	ADP
elp-56284	37	55	fictitious	fictitious	ADJ
elp-56284	37	56	loan	loan	NOUN
elp-56284	37	57	project	project	NOUN
elp-56284	37	58	,	,	PUNCT
elp-56284	37	59	forged	forge	VERB
elp-56284	37	60	transaction	transaction	NOUN
elp-56284	37	61	contract	contract	NOUN
elp-56284	37	62	,	,	PUNCT
elp-56284	37	63	etc	etc	X
elp-56284	37	64	.	.	X
elp-56284	37	65	)	)	PUNCT
elp-56284	37	66	listed	list	VERB
elp-56284	37	67	in	in	ADP
elp-56284	37	68	the	the	DET
elp-56284	37	69	above	above	ADJ
elp-56284	37	70	law	law	NOUN
elp-56284	37	71	during	during	ADP
elp-56284	37	72	the	the	DET
elp-56284	37	73	loan	loan	NOUN
elp-56284	37	74	application	application	NOUN
elp-56284	37	75	stage	stage	NOUN
elp-56284	37	76	,	,	PUNCT
elp-56284	37	77	it	it	PRON
elp-56284	37	78	is	be	AUX
elp-56284	37	79	enough	enough	ADJ
elp-56284	37	80	to	to	PART
elp-56284	37	81	establish	establish	VERB
elp-56284	37	82	the	the	DET
elp-56284	37	83	crime	crime	NOUN
elp-56284	37	84	of	of	ADP
elp-56284	37	85	loan	loan	NOUN
elp-56284	37	86	fraud	fraud	NOUN
elp-56284	37	87	alone	alone	ADV
elp-56284	37	88	.	.	PUNCT
elp-56284	38	1	take	take	VERB
elp-56284	38	2	“	"	PUNCT
elp-56284	38	3	liu	liu	PROPN
elp-56284	38	4	xin	xin	PROPN
elp-56284	38	5	loan	loan	PROPN
elp-56284	38	6	fraud	fraud	NOUN
elp-56284	38	7	case	case	NOUN
elp-56284	38	8	”	"	PUNCT
elp-56284	38	9	as	as	ADP
elp-56284	38	10	an	an	DET
elp-56284	38	11	example	example	NOUN
elp-56284	38	12	.	.	PUNCT
elp-56284	39	1	on	on	ADP
elp-56284	39	2	the	the	DET
elp-56284	39	3	one	one	NUM
elp-56284	39	4	hand	hand	NOUN
elp-56284	39	5	,	,	PUNCT
elp-56284	39	6	the	the	DET
elp-56284	39	7	defendant	defendant	NOUN
elp-56284	39	8	fraudulently	fraudulently	ADV
elp-56284	39	9	caused	cause	VERB
elp-56284	39	10	the	the	DET
elp-56284	39	11	guarantee	guarantee	NOUN
elp-56284	39	12	company	company	NOUN
elp-56284	39	13	to	to	PART
elp-56284	39	14	guarantee	guarantee	VERB
elp-56284	39	15	its	its	PRON
elp-56284	39	16	loans	loan	NOUN
elp-56284	39	17	,	,	PUNCT
elp-56284	39	18	on	on	ADP
elp-56284	39	19	the	the	DET
elp-56284	39	20	other	other	ADJ
elp-56284	39	21	hand	hand	NOUN
elp-56284	39	22	,	,	PUNCT
elp-56284	39	23	the	the	DET
elp-56284	39	24	defendant	defendant	NOUN
elp-56284	39	25	forged	forge	VERB
elp-56284	39	26	a	a	DET
elp-56284	39	27	false	false	ADJ
elp-56284	39	28	land	land	NOUN
elp-56284	39	29	contract	contract	NOUN
elp-56284	39	30	to	to	PART
elp-56284	39	31	pretend	pretend	VERB
elp-56284	39	32	to	to	PART
elp-56284	39	33	be	be	AUX
elp-56284	39	34	the	the	DET
elp-56284	39	35	basis	basis	NOUN
elp-56284	39	36	of	of	ADP
elp-56284	39	37	a	a	DET
elp-56284	39	38	real	real	ADJ
elp-56284	39	39	transaction	transaction	NOUN
elp-56284	39	40	.	.	PUNCT
elp-56284	40	1	this	this	DET
elp-56284	40	2	behavior	behavior	NOUN
elp-56284	40	3	was	be	AUX
elp-56284	40	4	directly	directly	ADV
elp-56284	40	5	identified	identify	VERB
elp-56284	40	6	by	by	ADP
elp-56284	40	7	the	the	DET
elp-56284	40	8	judicial	judicial	ADJ
elp-56284	40	9	authorities	authority	NOUN
elp-56284	40	10	as	as	ADP
elp-56284	40	11	“	"	PUNCT
elp-56284	40	12	using	use	VERB
elp-56284	40	13	a	a	DET
elp-56284	40	14	false	false	ADJ
elp-56284	40	15	economic	economic	ADJ
elp-56284	40	16	contract	contract	NOUN
elp-56284	40	17	”	"	PUNCT
elp-56284	40	18	,	,	PUNCT
elp-56284	40	19	which	which	PRON
elp-56284	40	20	in	in	ADP
elp-56284	40	21	turn	turn	NOUN
elp-56284	40	22	constitutes	constitute	VERB
elp-56284	40	23	a	a	DET
elp-56284	40	24	crime	crime	NOUN
elp-56284	40	25	of	of	ADP
elp-56284	40	26	loan	loan	NOUN
elp-56284	40	27	fraud	fraud	NOUN
elp-56284	40	28	.	.	PUNCT
elp-56284	41	1	this	this	PRON
elp-56284	41	2	shows	show	VERB
elp-56284	41	3	that	that	SCONJ
elp-56284	41	4	the	the	DET
elp-56284	41	5	deceptions	deception	NOUN
elp-56284	41	6	listed	list	VERB
elp-56284	41	7	in	in	ADP
elp-56284	41	8	the	the	DET
elp-56284	41	9	criminal	criminal	ADJ
elp-56284	41	10	law	law	NOUN
elp-56284	41	11	norms	norm	NOUN
elp-56284	41	12	(	(	PUNCT
elp-56284	41	13	such	such	ADJ
elp-56284	41	14	as	as	ADP
elp-56284	41	15	the	the	DET
elp-56284	41	16	authenticity	authenticity	NOUN
elp-56284	41	17	of	of	ADP
elp-56284	41	18	loan	loan	NOUN
elp-56284	41	19	projects	project	NOUN
elp-56284	41	20	,	,	PUNCT
elp-56284	41	21	the	the	DET
elp-56284	41	22	validity	validity	NOUN
elp-56284	41	23	of	of	ADP
elp-56284	41	24	transaction	transaction	NOUN
elp-56284	41	25	contracts	contract	NOUN
elp-56284	41	26	,	,	PUNCT
elp-56284	41	27	etc	etc	X
elp-56284	41	28	.	.	X
elp-56284	41	29	)	)	PUNCT
elp-56284	41	30	directly	directly	ADV
elp-56284	41	31	point	point	VERB
elp-56284	41	32	to	to	ADP
elp-56284	41	33	the	the	DET
elp-56284	41	34	key	key	ADJ
elp-56284	41	35	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	41	36	economics	economic	NOUN
elp-56284	41	37	,	,	PUNCT
elp-56284	41	38	law	law	NOUN
elp-56284	41	39	and	and	CCONJ
elp-56284	41	40	policy	policy	NOUN
elp-56284	41	41	vol	vol	NOUN
elp-56284	41	42	.	.	PROPN
elp-56284	42	1	8	8	NUM
elp-56284	42	2	,	,	PUNCT
elp-56284	42	3	no	no	INTJ
elp-56284	42	4	.	.	NOUN
elp-56284	42	5	2	2	NUM
elp-56284	42	6	,	,	PUNCT
elp-56284	42	7	2025	2025	NUM
elp-56284	42	8	117	117	NUM
elp-56284	42	9	published	publish	VERB
elp-56284	42	10	by	by	ADP
elp-56284	42	11	scholink	scholink	PROPN
elp-56284	42	12	inc	inc	PROPN
elp-56284	42	13	.	.	PROPN
elp-56284	42	14	review	review	NOUN
elp-56284	42	15	matters	matter	NOUN
elp-56284	42	16	of	of	ADP
elp-56284	42	17	financial	financial	ADJ
elp-56284	42	18	institutions	institution	NOUN
elp-56284	42	19	lending	lending	NOUN
elp-56284	42	20	decisions	decision	NOUN
elp-56284	42	21	.	.	PUNCT
elp-56284	43	1	therefore	therefore	ADV
elp-56284	43	2	,	,	PUNCT
elp-56284	43	3	it	it	PRON
elp-56284	43	4	is	be	AUX
elp-56284	43	5	not	not	PART
elp-56284	43	6	possible	possible	ADJ
elp-56284	43	7	to	to	PART
elp-56284	43	8	deny	deny	VERB
elp-56284	43	9	the	the	DET
elp-56284	43	10	fraudulent	fraudulent	ADJ
elp-56284	43	11	nature	nature	NOUN
elp-56284	43	12	of	of	ADP
elp-56284	43	13	the	the	DET
elp-56284	43	14	actor	actor	NOUN
elp-56284	43	15	’s	’s	PART
elp-56284	43	16	implementation	implementation	NOUN
elp-56284	43	17	of	of	ADP
elp-56284	43	18	financial	financial	ADJ
elp-56284	43	19	institutions	institution	NOUN
elp-56284	43	20	on	on	ADP
elp-56284	43	21	the	the	DET
elp-56284	43	22	core	core	ADJ
elp-56284	43	23	issues	issue	NOUN
elp-56284	43	24	of	of	ADP
elp-56284	43	25	loans	loan	NOUN
elp-56284	43	26	on	on	ADP
elp-56284	43	27	the	the	DET
elp-56284	43	28	grounds	ground	NOUN
elp-56284	43	29	of	of	ADP
elp-56284	43	30	“	"	PUNCT
elp-56284	43	31	the	the	DET
elp-56284	43	32	existence	existence	NOUN
elp-56284	43	33	of	of	ADP
elp-56284	43	34	true	true	ADJ
elp-56284	43	35	guarantees	guarantee	NOUN
elp-56284	43	36	”	"	PUNCT
elp-56284	43	37	.	.	PUNCT
elp-56284	44	1	in	in	ADP
elp-56284	44	2	other	other	ADJ
elp-56284	44	3	words	word	NOUN
elp-56284	44	4	,	,	PUNCT
elp-56284	44	5	the	the	DET
elp-56284	44	6	authenticity	authenticity	NOUN
elp-56284	44	7	of	of	ADP
elp-56284	44	8	the	the	DET
elp-56284	44	9	guarantee	guarantee	NOUN
elp-56284	44	10	does	do	AUX
elp-56284	44	11	not	not	PART
elp-56284	44	12	of	of	ADV
elp-56284	44	13	course	course	NOUN
elp-56284	44	14	prevent	prevent	VERB
elp-56284	44	15	other	other	ADJ
elp-56284	44	16	deceptive	deceptive	ADJ
elp-56284	44	17	means	mean	NOUN
elp-56284	44	18	from	from	ADP
elp-56284	44	19	infringing	infringe	VERB
elp-56284	44	20	on	on	ADP
elp-56284	44	21	the	the	DET
elp-56284	44	22	freedom	freedom	NOUN
elp-56284	44	23	of	of	ADP
elp-56284	44	24	property	property	NOUN
elp-56284	44	25	disposal	disposal	NOUN
elp-56284	44	26	of	of	ADP
elp-56284	44	27	financial	financial	ADJ
elp-56284	44	28	institutions	institution	NOUN
elp-56284	44	29	and	and	CCONJ
elp-56284	44	30	the	the	DET
elp-56284	44	31	order	order	NOUN
elp-56284	44	32	of	of	ADP
elp-56284	44	33	financial	financial	ADJ
elp-56284	44	34	management	management	NOUN
elp-56284	44	35	.	.	PUNCT
elp-56284	45	1	for	for	ADP
elp-56284	45	2	the	the	DET
elp-56284	45	3	judgment	judgment	NOUN
elp-56284	45	4	of	of	ADP
elp-56284	45	5	the	the	DET
elp-56284	45	6	number	number	NOUN
elp-56284	45	7	of	of	ADP
elp-56284	45	8	crimes	crime	NOUN
elp-56284	45	9	in	in	ADP
elp-56284	45	10	the	the	DET
elp-56284	45	11	two	two	NUM
elp-56284	45	12	cases	case	NOUN
elp-56284	45	13	of	of	ADP
elp-56284	45	14	fraudulent	fraudulent	ADJ
elp-56284	45	15	guarantee	guarantee	NOUN
elp-56284	45	16	loans	loan	NOUN
elp-56284	45	17	,	,	PUNCT
elp-56284	45	18	the	the	DET
elp-56284	45	19	overall	overall	ADJ
elp-56284	45	20	judgment	judgment	NOUN
elp-56284	45	21	should	should	AUX
elp-56284	45	22	be	be	AUX
elp-56284	45	23	based	base	VERB
elp-56284	45	24	on	on	ADP
elp-56284	45	25	the	the	DET
elp-56284	45	26	objective	objective	ADJ
elp-56284	45	27	correlation	correlation	NOUN
elp-56284	45	28	between	between	ADP
elp-56284	45	29	the	the	DET
elp-56284	45	30	two	two	NUM
elp-56284	45	31	cheating	cheat	VERB
elp-56284	45	32	behaviors	behavior	NOUN
elp-56284	45	33	,	,	PUNCT
elp-56284	45	34	and	and	CCONJ
elp-56284	45	35	the	the	DET
elp-56284	45	36	two	two	NUM
elp-56284	45	37	crimes	crime	NOUN
elp-56284	45	38	should	should	AUX
elp-56284	45	39	not	not	PART
elp-56284	45	40	be	be	AUX
elp-56284	45	41	evaluated	evaluate	VERB
elp-56284	45	42	in	in	ADP
elp-56284	45	43	isolation	isolation	NOUN
elp-56284	45	44	.	.	PUNCT
elp-56284	46	1	the	the	DET
elp-56284	46	2	two	two	NUM
elp-56284	46	3	acts	act	NOUN
elp-56284	46	4	before	before	ADV
elp-56284	46	5	and	and	CCONJ
elp-56284	46	6	after	after	SCONJ
elp-56284	46	7	have	have	VERB
elp-56284	46	8	the	the	DET
elp-56284	46	9	generality	generality	NOUN
elp-56284	46	10	of	of	ADP
elp-56284	46	11	criminal	criminal	ADJ
elp-56284	46	12	intention	intention	NOUN
elp-56284	46	13	,	,	PUNCT
elp-56284	46	14	have	have	VERB
elp-56284	46	15	close	close	ADJ
elp-56284	46	16	connection	connection	NOUN
elp-56284	46	17	,	,	PUNCT
elp-56284	46	18	and	and	CCONJ
elp-56284	46	19	only	only	ADV
elp-56284	46	20	lead	lead	VERB
elp-56284	46	21	to	to	ADP
elp-56284	46	22	a	a	DET
elp-56284	46	23	damage	damage	NOUN
elp-56284	46	24	result	result	NOUN
elp-56284	46	25	in	in	ADP
elp-56284	46	26	the	the	DET
elp-56284	46	27	end	end	NOUN
elp-56284	46	28	,	,	PUNCT
elp-56284	46	29	so	so	SCONJ
elp-56284	46	30	it	it	PRON
elp-56284	46	31	is	be	AUX
elp-56284	46	32	reasonable	reasonable	ADJ
elp-56284	46	33	to	to	PART
elp-56284	46	34	be	be	AUX
elp-56284	46	35	identified	identify	VERB
elp-56284	46	36	as	as	ADP
elp-56284	46	37	a	a	DET
elp-56284	46	38	crime	crime	NOUN
elp-56284	46	39	(	(	PUNCT
elp-56284	46	40	zhou	zhou	PROPN
elp-56284	46	41	,	,	PUNCT
elp-56284	46	42	d.	d.	PROPN
elp-56284	46	43	j.	j.	PROPN
elp-56284	46	44	,	,	PUNCT
elp-56284	46	45	2014	2014	NUM
elp-56284	46	46	,	,	PUNCT
elp-56284	46	47	pp	pp	ADJ
elp-56284	46	48	.	.	PUNCT
elp-56284	47	1	27	27	NUM
elp-56284	47	2	-	-	SYM
elp-56284	47	3	30	30	NUM
elp-56284	47	4	)	)	PUNCT
elp-56284	47	5	.	.	PUNCT
elp-56284	48	1	2.2	2.2	NUM
elp-56284	48	2	disputes	dispute	NOUN
elp-56284	48	3	in	in	ADP
elp-56284	48	4	the	the	DET
elp-56284	48	5	determination	determination	NOUN
elp-56284	48	6	of	of	ADP
elp-56284	48	7	crimes	crime	NOUN
elp-56284	48	8	there	there	PRON
elp-56284	48	9	is	be	VERB
elp-56284	48	10	a	a	DET
elp-56284	48	11	controversy	controversy	NOUN
elp-56284	48	12	in	in	ADP
elp-56284	48	13	the	the	DET
elp-56284	48	14	theoretical	theoretical	ADJ
elp-56284	48	15	and	and	CCONJ
elp-56284	48	16	practical	practical	ADJ
elp-56284	48	17	circles	circle	NOUN
elp-56284	48	18	about	about	ADP
elp-56284	48	19	what	what	PRON
elp-56284	48	20	kind	kind	NOUN
elp-56284	48	21	of	of	ADP
elp-56284	48	22	crime	crime	NOUN
elp-56284	48	23	is	be	AUX
elp-56284	48	24	used	use	VERB
elp-56284	48	25	to	to	PART
elp-56284	48	26	identify	identify	VERB
elp-56284	48	27	the	the	DET
elp-56284	48	28	double	double	ADJ
elp-56284	48	29	fraudulent	fraudulent	ADJ
elp-56284	48	30	secured	secure	VERB
elp-56284	48	31	loan	loan	NOUN
elp-56284	48	32	behavior	behavior	NOUN
elp-56284	48	33	implemented	implement	VERB
elp-56284	48	34	by	by	ADP
elp-56284	48	35	the	the	DET
elp-56284	48	36	borrower	borrower	NOUN
elp-56284	48	37	.	.	PUNCT
elp-56284	49	1	at	at	ADP
elp-56284	49	2	present	present	ADJ
elp-56284	49	3	,	,	PUNCT
elp-56284	49	4	most	most	ADJ
elp-56284	49	5	of	of	ADP
elp-56284	49	6	the	the	DET
elp-56284	49	7	existing	exist	VERB
elp-56284	49	8	research	research	NOUN
elp-56284	49	9	on	on	ADP
elp-56284	49	10	double	double	ADJ
elp-56284	49	11	fraud	fraud	NOUN
elp-56284	49	12	behavior	behavior	NOUN
elp-56284	49	13	starts	start	VERB
elp-56284	49	14	directly	directly	ADV
elp-56284	49	15	from	from	ADP
elp-56284	49	16	judicial	judicial	ADJ
elp-56284	49	17	practice	practice	NOUN
elp-56284	49	18	cases	case	NOUN
elp-56284	49	19	and	and	CCONJ
elp-56284	49	20	analyzes	analyze	VERB
elp-56284	49	21	qualitative	qualitative	NOUN
elp-56284	49	22	in	in	ADP
elp-56284	49	23	specific	specific	ADJ
elp-56284	49	24	cases	case	NOUN
elp-56284	49	25	.	.	PUNCT
elp-56284	50	1	in	in	ADP
elp-56284	50	2	judicial	judicial	ADJ
elp-56284	50	3	practice	practice	NOUN
elp-56284	50	4	,	,	PUNCT
elp-56284	50	5	the	the	DET
elp-56284	50	6	judicial	judicial	ADJ
elp-56284	50	7	organ	organ	NOUN
elp-56284	50	8	’s	’s	PART
elp-56284	50	9	criminal	criminal	ADJ
elp-56284	50	10	law	law	NOUN
elp-56284	50	11	characterization	characterization	NOUN
elp-56284	50	12	of	of	ADP
elp-56284	50	13	the	the	DET
elp-56284	50	14	act	act	NOUN
elp-56284	50	15	shows	show	VERB
elp-56284	50	16	a	a	DET
elp-56284	50	17	clear	clear	ADJ
elp-56284	50	18	phenomenon	phenomenon	NOUN
elp-56284	50	19	of	of	ADP
elp-56284	50	20	“	"	PUNCT
elp-56284	50	21	different	different	ADJ
elp-56284	50	22	judgments	judgment	NOUN
elp-56284	50	23	in	in	ADP
elp-56284	50	24	the	the	DET
elp-56284	50	25	same	same	ADJ
elp-56284	50	26	case	case	NOUN
elp-56284	50	27	”	"	PUNCT
elp-56284	50	28	.	.	PUNCT
elp-56284	51	1	there	there	PRON
elp-56284	51	2	are	be	VERB
elp-56284	51	3	three	three	NUM
elp-56284	51	4	different	different	ADJ
elp-56284	51	5	views	view	NOUN
elp-56284	51	6	in	in	ADP
elp-56284	51	7	the	the	DET
elp-56284	51	8	theoretical	theoretical	ADJ
elp-56284	51	9	circle	circle	NOUN
elp-56284	51	10	of	of	ADP
elp-56284	51	11	criminal	criminal	ADJ
elp-56284	51	12	law	law	NOUN
elp-56284	51	13	on	on	ADP
elp-56284	51	14	the	the	DET
elp-56284	51	15	characterization	characterization	NOUN
elp-56284	51	16	of	of	ADP
elp-56284	51	17	the	the	DET
elp-56284	51	18	behavior	behavior	NOUN
elp-56284	51	19	of	of	ADP
elp-56284	51	20	the	the	DET
elp-56284	51	21	actor	actor	NOUN
elp-56284	51	22	to	to	PART
elp-56284	51	23	defraud	defraud	VERB
elp-56284	51	24	the	the	DET
elp-56284	51	25	loan	loan	NOUN
elp-56284	51	26	of	of	ADP
elp-56284	51	27	financial	financial	ADJ
elp-56284	51	28	institutions	institution	NOUN
elp-56284	51	29	by	by	ADP
elp-56284	51	30	defrauding	defraud	VERB
elp-56284	51	31	the	the	DET
elp-56284	51	32	guarantor	guarantor	NOUN
elp-56284	51	33	to	to	PART
elp-56284	51	34	obtain	obtain	VERB
elp-56284	51	35	the	the	DET
elp-56284	51	36	guarantee	guarantee	NOUN
elp-56284	51	37	.	.	PUNCT
elp-56284	52	1	the	the	DET
elp-56284	52	2	first	first	ADJ
elp-56284	52	3	view	view	NOUN
elp-56284	52	4	holds	hold	VERB
elp-56284	52	5	that	that	SCONJ
elp-56284	52	6	the	the	DET
elp-56284	52	7	fraud	fraud	NOUN
elp-56284	52	8	committed	commit	VERB
elp-56284	52	9	by	by	ADP
elp-56284	52	10	the	the	DET
elp-56284	52	11	actor	actor	NOUN
elp-56284	52	12	against	against	ADP
elp-56284	52	13	the	the	DET
elp-56284	52	14	guarantor	guarantor	NOUN
elp-56284	52	15	constitutes	constitute	VERB
elp-56284	52	16	the	the	DET
elp-56284	52	17	crime	crime	NOUN
elp-56284	52	18	of	of	ADP
elp-56284	52	19	contract	contract	NOUN
elp-56284	52	20	fraud	fraud	NOUN
elp-56284	52	21	(	(	PUNCT
elp-56284	52	22	the	the	DET
elp-56284	52	23	object	object	NOUN
elp-56284	52	24	is	be	AUX
elp-56284	52	25	the	the	DET
elp-56284	52	26	property	property	NOUN
elp-56284	52	27	interest	interest	NOUN
elp-56284	52	28	)	)	PUNCT
elp-56284	52	29	,	,	PUNCT
elp-56284	52	30	and	and	CCONJ
elp-56284	52	31	the	the	DET
elp-56284	52	32	fraud	fraud	NOUN
elp-56284	52	33	against	against	ADP
elp-56284	52	34	the	the	DET
elp-56284	52	35	financial	financial	ADJ
elp-56284	52	36	institutions	institution	NOUN
elp-56284	52	37	constitutes	constitute	VERB
elp-56284	52	38	the	the	DET
elp-56284	52	39	crime	crime	NOUN
elp-56284	52	40	of	of	ADP
elp-56284	52	41	loan	loan	NOUN
elp-56284	52	42	fraud	fraud	NOUN
elp-56284	52	43	(	(	PUNCT
elp-56284	52	44	the	the	DET
elp-56284	52	45	object	object	NOUN
elp-56284	52	46	is	be	AUX
elp-56284	52	47	the	the	DET
elp-56284	52	48	loan	loan	NOUN
elp-56284	52	49	)	)	PUNCT
elp-56284	52	50	.	.	PUNCT
elp-56284	53	1	the	the	DET
elp-56284	53	2	two	two	NUM
elp-56284	53	3	are	be	AUX
elp-56284	53	4	independent	independent	ADJ
elp-56284	53	5	criminal	criminal	ADJ
elp-56284	53	6	constitutions	constitution	NOUN
elp-56284	53	7	and	and	CCONJ
elp-56284	53	8	should	should	AUX
elp-56284	53	9	be	be	AUX
elp-56284	53	10	punished	punish	VERB
elp-56284	53	11	with	with	ADP
elp-56284	53	12	several	several	ADJ
elp-56284	53	13	crimes	crime	NOUN
elp-56284	53	14	(	(	PUNCT
elp-56284	53	15	zhang	zhang	PROPN
elp-56284	53	16	mingkai	mingkai	PROPN
elp-56284	53	17	criminal	criminal	ADJ
elp-56284	53	18	law	law	NOUN
elp-56284	53	19	(	(	PUNCT
elp-56284	53	20	fifth	fifth	ADJ
elp-56284	53	21	edition	edition	NOUN
elp-56284	53	22	)	)	PUNCT
elp-56284	53	23	,	,	PUNCT
elp-56284	53	24	2016	2016	NUM
elp-56284	53	25	)	)	PUNCT
elp-56284	53	26	;	;	PUNCT
elp-56284	53	27	the	the	DET
elp-56284	53	28	second	second	ADJ
elp-56284	53	29	view	view	NOUN
elp-56284	53	30	advocates	advocate	VERB
elp-56284	53	31	that	that	SCONJ
elp-56284	53	32	the	the	DET
elp-56284	53	33	two	two	NUM
elp-56284	53	34	frauds	fraud	NOUN
elp-56284	53	35	overlap	overlap	VERB
elp-56284	53	36	at	at	ADP
elp-56284	53	37	the	the	DET
elp-56284	53	38	core	core	NOUN
elp-56284	53	39	fact	fact	NOUN
elp-56284	53	40	level	level	NOUN
elp-56284	53	41	and	and	CCONJ
elp-56284	53	42	should	should	AUX
elp-56284	53	43	be	be	AUX
elp-56284	53	44	identified	identify	VERB
elp-56284	53	45	as	as	ADP
elp-56284	53	46	imaginative	imaginative	ADJ
elp-56284	53	47	concurrence	concurrence	NOUN
elp-56284	53	48	or	or	CCONJ
elp-56284	53	49	implicated	implicated	ADJ
elp-56284	53	50	relationship	relationship	NOUN
elp-56284	53	51	,	,	PUNCT
elp-56284	53	52	and	and	CCONJ
elp-56284	53	53	then	then	ADV
elp-56284	53	54	be	be	AUX
elp-56284	53	55	punished	punish	VERB
elp-56284	53	56	from	from	ADP
elp-56284	53	57	a	a	DET
elp-56284	53	58	felony	felony	NOUN
elp-56284	53	59	;	;	PUNCT
elp-56284	53	60	the	the	DET
elp-56284	53	61	third	third	ADJ
elp-56284	53	62	view	view	NOUN
elp-56284	53	63	is	be	AUX
elp-56284	53	64	based	base	VERB
elp-56284	53	65	on	on	ADP
elp-56284	53	66	the	the	DET
elp-56284	53	67	actual	actual	ADJ
elp-56284	53	68	subject	subject	NOUN
elp-56284	53	69	of	of	ADP
elp-56284	53	70	the	the	DET
elp-56284	53	71	damage	damage	NOUN
elp-56284	53	72	result	result	NOUN
elp-56284	53	73	.	.	PUNCT
elp-56284	54	1	specifically	specifically	ADV
elp-56284	54	2	,	,	PUNCT
elp-56284	54	3	if	if	SCONJ
elp-56284	54	4	the	the	DET
elp-56284	54	5	consequences	consequence	NOUN
elp-56284	54	6	of	of	ADP
elp-56284	54	7	damage	damage	NOUN
elp-56284	54	8	are	be	AUX
elp-56284	54	9	borne	bear	VERB
elp-56284	54	10	in	in	ADP
elp-56284	54	11	full	full	ADJ
elp-56284	54	12	by	by	ADP
elp-56284	54	13	a	a	DET
elp-56284	54	14	third	third	ADJ
elp-56284	54	15	party	party	NOUN
elp-56284	54	16	such	such	ADJ
elp-56284	54	17	as	as	ADP
elp-56284	54	18	a	a	DET
elp-56284	54	19	guarantor	guarantor	NOUN
elp-56284	54	20	,	,	PUNCT
elp-56284	54	21	the	the	DET
elp-56284	54	22	perpetrator	perpetrator	NOUN
elp-56284	54	23	constitutes	constitute	VERB
elp-56284	54	24	a	a	DET
elp-56284	54	25	crime	crime	NOUN
elp-56284	54	26	of	of	ADP
elp-56284	54	27	fraud	fraud	NOUN
elp-56284	54	28	;	;	PUNCT
elp-56284	54	29	if	if	SCONJ
elp-56284	54	30	banks	bank	NOUN
elp-56284	54	31	and	and	CCONJ
elp-56284	54	32	other	other	ADJ
elp-56284	54	33	financial	financial	ADJ
elp-56284	54	34	institutions	institution	NOUN
elp-56284	54	35	actually	actually	ADV
elp-56284	54	36	bear	bear	VERB
elp-56284	54	37	or	or	CCONJ
elp-56284	54	38	partially	partially	ADV
elp-56284	54	39	bear	bear	VERB
elp-56284	54	40	the	the	DET
elp-56284	54	41	loss	loss	NOUN
elp-56284	54	42	,	,	PUNCT
elp-56284	54	43	they	they	PRON
elp-56284	54	44	should	should	AUX
elp-56284	54	45	be	be	AUX
elp-56284	54	46	characterized	characterize	VERB
elp-56284	54	47	by	by	ADP
elp-56284	54	48	the	the	DET
elp-56284	54	49	crime	crime	NOUN
elp-56284	54	50	of	of	ADP
elp-56284	54	51	loan	loan	NOUN
elp-56284	54	52	fraud	fraud	NOUN
elp-56284	54	53	(	(	PUNCT
elp-56284	54	54	wang	wang	PROPN
elp-56284	54	55	,	,	PUNCT
elp-56284	54	56	c.	c.	PROPN
elp-56284	54	57	,	,	PUNCT
elp-56284	54	58	2004	2004	NUM
elp-56284	54	59	,	,	PUNCT
elp-56284	54	60	pp	pp	ADJ
elp-56284	54	61	.	.	PUNCT
elp-56284	55	1	118	118	NUM
elp-56284	55	2	-	-	NUM
elp-56284	55	3	124	124	NUM
elp-56284	55	4	)	)	PUNCT
elp-56284	55	5	.	.	PUNCT
elp-56284	56	1	the	the	DET
elp-56284	56	2	author	author	NOUN
elp-56284	56	3	does	do	AUX
elp-56284	56	4	not	not	PART
elp-56284	56	5	agree	agree	VERB
elp-56284	56	6	with	with	ADP
elp-56284	56	7	the	the	DET
elp-56284	56	8	logical	logical	ADJ
elp-56284	56	9	path	path	NOUN
elp-56284	56	10	of	of	ADP
elp-56284	56	11	the	the	DET
elp-56284	56	12	above	above	ADJ
elp-56284	56	13	third	third	ADJ
elp-56284	56	14	view	view	NOUN
elp-56284	56	15	.	.	PUNCT
elp-56284	57	1	this	this	DET
elp-56284	57	2	view	view	NOUN
elp-56284	57	3	regards	regard	VERB
elp-56284	57	4	the	the	DET
elp-56284	57	5	actual	actual	ADJ
elp-56284	57	6	transfer	transfer	NOUN
elp-56284	57	7	of	of	ADP
elp-56284	57	8	loss	loss	NOUN
elp-56284	57	9	as	as	ADP
elp-56284	57	10	the	the	DET
elp-56284	57	11	core	core	NOUN
elp-56284	57	12	evaluation	evaluation	NOUN
elp-56284	57	13	factor	factor	NOUN
elp-56284	57	14	of	of	ADP
elp-56284	57	15	crime	crime	NOUN
elp-56284	57	16	constitution	constitution	NOUN
elp-56284	57	17	,	,	PUNCT
elp-56284	57	18	which	which	PRON
elp-56284	57	19	is	be	AUX
elp-56284	57	20	essentially	essentially	ADV
elp-56284	57	21	biased	biased	ADJ
elp-56284	57	22	towards	towards	ADP
elp-56284	57	23	the	the	DET
elp-56284	57	24	single	single	ADJ
elp-56284	57	25	dimension	dimension	NOUN
elp-56284	57	26	of	of	ADP
elp-56284	57	27	result	result	NOUN
elp-56284	57	28	without	without	ADP
elp-56284	57	29	value	value	NOUN
elp-56284	57	30	,	,	PUNCT
elp-56284	57	31	while	while	SCONJ
elp-56284	57	32	ignoring	ignore	VERB
elp-56284	57	33	the	the	DET
elp-56284	57	34	dual	dual	ADJ
elp-56284	57	35	judgment	judgment	NOUN
elp-56284	57	36	requirements	requirement	NOUN
elp-56284	57	37	of	of	ADP
elp-56284	57	38	act	act	NOUN
elp-56284	57	39	without	without	ADP
elp-56284	57	40	value	value	NOUN
elp-56284	57	41	and	and	CCONJ
elp-56284	57	42	result	result	VERB
elp-56284	57	43	without	without	ADP
elp-56284	57	44	value	value	NOUN
elp-56284	57	45	in	in	ADP
elp-56284	57	46	criminal	criminal	ADJ
elp-56284	57	47	law	law	NOUN
elp-56284	57	48	.	.	PUNCT
elp-56284	58	1	in	in	ADP
elp-56284	58	2	particular	particular	ADJ
elp-56284	58	3	,	,	PUNCT
elp-56284	58	4	it	it	PRON
elp-56284	58	5	is	be	AUX
elp-56284	58	6	necessary	necessary	ADJ
elp-56284	58	7	to	to	PART
elp-56284	58	8	question	question	VERB
elp-56284	58	9	the	the	DET
elp-56284	58	10	premise	premise	NOUN
elp-56284	58	11	of	of	ADP
elp-56284	58	12	its	its	PRON
elp-56284	58	13	preset	preset	ADJ
elp-56284	58	14	argument	argument	NOUN
elp-56284	58	15	,	,	PUNCT
elp-56284	58	16	that	that	ADV
elp-56284	58	17	is	is	ADV
elp-56284	58	18	,	,	PUNCT
elp-56284	58	19	the	the	DET
elp-56284	58	20	act	act	NOUN
elp-56284	58	21	of	of	ADP
elp-56284	58	22	defrauding	defraud	VERB
elp-56284	58	23	guarantee	guarantee	NOUN
elp-56284	58	24	itself	itself	PRON
elp-56284	58	25	can	can	AUX
elp-56284	58	26	independently	independently	ADV
elp-56284	58	27	constitute	constitute	VERB
elp-56284	58	28	the	the	DET
elp-56284	58	29	crime	crime	NOUN
elp-56284	58	30	of	of	ADP
elp-56284	58	31	fraud	fraud	NOUN
elp-56284	58	32	.	.	PUNCT
elp-56284	59	1	when	when	SCONJ
elp-56284	59	2	the	the	DET
elp-56284	59	3	actor	actor	NOUN
elp-56284	59	4	’s	’s	PART
elp-56284	59	5	fictitious	fictitious	ADJ
elp-56284	59	6	performance	performance	NOUN
elp-56284	59	7	ability	ability	NOUN
elp-56284	59	8	defrauds	defraud	VERB
elp-56284	59	9	the	the	DET
elp-56284	59	10	guarantee	guarantee	NOUN
elp-56284	59	11	,	,	PUNCT
elp-56284	59	12	although	although	SCONJ
elp-56284	59	13	the	the	DET
elp-56284	59	14	guarantor	guarantor	NOUN
elp-56284	59	15	makes	make	VERB
elp-56284	59	16	a	a	DET
elp-56284	59	17	guarantee	guarantee	NOUN
elp-56284	59	18	intention	intention	NOUN
elp-56284	59	19	due	due	ADP
elp-56284	59	20	to	to	ADP
elp-56284	59	21	fraud	fraud	NOUN
elp-56284	59	22	,	,	PUNCT
elp-56284	59	23	the	the	DET
elp-56284	59	24	occurrence	occurrence	NOUN
elp-56284	59	25	of	of	ADP
elp-56284	59	26	its	its	PRON
elp-56284	59	27	property	property	NOUN
elp-56284	59	28	loss	loss	NOUN
elp-56284	59	29	is	be	AUX
elp-56284	59	30	still	still	ADV
elp-56284	59	31	in	in	ADP
elp-56284	59	32	a	a	DET
elp-56284	59	33	contingent	contingent	ADJ
elp-56284	59	34	state	state	NOUN
elp-56284	59	35	(	(	PUNCT
elp-56284	59	36	on	on	ADP
elp-56284	59	37	the	the	DET
elp-56284	59	38	premise	premise	NOUN
elp-56284	59	39	that	that	SCONJ
elp-56284	59	40	the	the	DET
elp-56284	59	41	financial	financial	ADJ
elp-56284	59	42	institution	institution	NOUN
elp-56284	59	43	claims	claim	VERB
elp-56284	59	44	the	the	DET
elp-56284	59	45	guarantee	guarantee	NOUN
elp-56284	59	46	responsibility	responsibility	NOUN
elp-56284	59	47	)	)	PUNCT
elp-56284	59	48	.	.	PUNCT
elp-56284	60	1	at	at	ADP
elp-56284	60	2	this	this	DET
elp-56284	60	3	time	time	NOUN
elp-56284	60	4	,	,	PUNCT
elp-56284	60	5	there	there	PRON
elp-56284	60	6	is	be	VERB
elp-56284	60	7	no	no	DET
elp-56284	60	8	direct	direct	ADJ
elp-56284	60	9	and	and	CCONJ
elp-56284	60	10	inevitable	inevitable	ADJ
elp-56284	60	11	causal	causal	ADJ
elp-56284	60	12	relationship	relationship	NOUN
elp-56284	60	13	between	between	ADP
elp-56284	60	14	the	the	DET
elp-56284	60	15	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	60	16	economics	economic	NOUN
elp-56284	60	17	,	,	PUNCT
elp-56284	60	18	law	law	NOUN
elp-56284	60	19	and	and	CCONJ
elp-56284	60	20	policy	policy	NOUN
elp-56284	60	21	vol	vol	NOUN
elp-56284	60	22	.	.	PROPN
elp-56284	60	23	8	8	NUM
elp-56284	60	24	,	,	PUNCT
elp-56284	60	25	no	no	INTJ
elp-56284	60	26	.	.	NOUN
elp-56284	60	27	2	2	NUM
elp-56284	60	28	,	,	PUNCT
elp-56284	60	29	2025	2025	NUM
elp-56284	60	30	118	118	NUM
elp-56284	60	31	published	publish	VERB
elp-56284	60	32	by	by	ADP
elp-56284	60	33	scholink	scholink	PROPN
elp-56284	60	34	inc	inc	PROPN
elp-56284	60	35	.	.	PROPN
elp-56284	60	36	guarantor	guarantor	PROPN
elp-56284	60	37	’s	’s	PART
elp-56284	60	38	“	"	PUNCT
elp-56284	60	39	property	property	NOUN
elp-56284	60	40	disposal	disposal	NOUN
elp-56284	60	41	behavior	behavior	NOUN
elp-56284	60	42	”	"	PUNCT
elp-56284	60	43	and	and	CCONJ
elp-56284	60	44	“	"	PUNCT
elp-56284	60	45	actual	actual	ADJ
elp-56284	60	46	loss	loss	NOUN
elp-56284	60	47	result	result	NOUN
elp-56284	60	48	”	"	PUNCT
elp-56284	60	49	.	.	PUNCT
elp-56284	61	1	more	more	ADV
elp-56284	61	2	importantly	importantly	ADV
elp-56284	61	3	,	,	PUNCT
elp-56284	61	4	the	the	DET
elp-56284	61	5	essence	essence	NOUN
elp-56284	61	6	of	of	ADP
elp-56284	61	7	the	the	DET
elp-56284	61	8	guarantee	guarantee	NOUN
elp-56284	61	9	system	system	NOUN
elp-56284	61	10	is	be	AUX
elp-56284	61	11	to	to	PART
elp-56284	61	12	disperse	disperse	VERB
elp-56284	61	13	financial	financial	ADJ
elp-56284	61	14	risks	risk	NOUN
elp-56284	61	15	.	.	PUNCT
elp-56284	62	1	the	the	DET
elp-56284	62	2	guarantor	guarantor	NOUN
elp-56284	62	3	’s	’s	PART
elp-56284	62	4	guarantee	guarantee	NOUN
elp-56284	62	5	itself	itself	PRON
elp-56284	62	6	means	mean	VERB
elp-56284	62	7	its	its	PRON
elp-56284	62	8	subjective	subjective	ADJ
elp-56284	62	9	acceptance	acceptance	NOUN
elp-56284	62	10	of	of	ADP
elp-56284	62	11	the	the	DET
elp-56284	62	12	default	default	NOUN
elp-56284	62	13	risk	risk	NOUN
elp-56284	62	14	of	of	ADP
elp-56284	62	15	the	the	DET
elp-56284	62	16	main	main	ADJ
elp-56284	62	17	debt	debt	NOUN
elp-56284	62	18	.	.	PUNCT
elp-56284	63	1	the	the	DET
elp-56284	63	2	voluntariness	voluntariness	NOUN
elp-56284	63	3	of	of	ADP
elp-56284	63	4	this	this	DET
elp-56284	63	5	risk	risk	NOUN
elp-56284	63	6	burden	burden	NOUN
elp-56284	63	7	may	may	AUX
elp-56284	63	8	hinder	hinder	VERB
elp-56284	63	9	the	the	DET
elp-56284	63	10	determination	determination	NOUN
elp-56284	63	11	of	of	ADP
elp-56284	63	12	the	the	DET
elp-56284	63	13	criminal	criminal	ADJ
elp-56284	63	14	punishability	punishability	NOUN
elp-56284	63	15	of	of	ADP
elp-56284	63	16	fraud	fraud	NOUN
elp-56284	63	17	.	.	PUNCT
elp-56284	64	1	therefore	therefore	ADV
elp-56284	64	2	,	,	PUNCT
elp-56284	64	3	in	in	ADP
elp-56284	64	4	the	the	DET
elp-56284	64	5	judgment	judgment	NOUN
elp-56284	64	6	of	of	ADP
elp-56284	64	7	criminal	criminal	ADJ
elp-56284	64	8	illegality	illegality	NOUN
elp-56284	64	9	,	,	PUNCT
elp-56284	64	10	we	we	PRON
elp-56284	64	11	should	should	AUX
elp-56284	64	12	strictly	strictly	ADV
elp-56284	64	13	follow	follow	VERB
elp-56284	64	14	the	the	DET
elp-56284	64	15	principle	principle	NOUN
elp-56284	64	16	of	of	ADP
elp-56284	64	17	unity	unity	NOUN
elp-56284	64	18	of	of	ADP
elp-56284	64	19	subjectivity	subjectivity	NOUN
elp-56284	64	20	and	and	CCONJ
elp-56284	64	21	objectivity	objectivity	NOUN
elp-56284	64	22	,	,	PUNCT
elp-56284	64	23	carefully	carefully	ADV
elp-56284	64	24	distinguish	distinguish	VERB
elp-56284	64	25	the	the	DET
elp-56284	64	26	boundary	boundary	NOUN
elp-56284	64	27	between	between	ADP
elp-56284	64	28	civil	civil	ADJ
elp-56284	64	29	fraud	fraud	NOUN
elp-56284	64	30	and	and	CCONJ
elp-56284	64	31	criminal	criminal	ADJ
elp-56284	64	32	fraud	fraud	NOUN
elp-56284	64	33	,	,	PUNCT
elp-56284	64	34	and	and	CCONJ
elp-56284	64	35	avoid	avoid	VERB
elp-56284	64	36	excessive	excessive	ADJ
elp-56284	64	37	intervention	intervention	NOUN
elp-56284	64	38	of	of	ADP
elp-56284	64	39	criminal	criminal	ADJ
elp-56284	64	40	law	law	NOUN
elp-56284	64	41	in	in	ADP
elp-56284	64	42	the	the	DET
elp-56284	64	43	guarantee	guarantee	NOUN
elp-56284	64	44	legal	legal	ADJ
elp-56284	64	45	relationship	relationship	NOUN
elp-56284	64	46	that	that	PRON
elp-56284	64	47	should	should	AUX
elp-56284	64	48	be	be	AUX
elp-56284	64	49	adjusted	adjust	VERB
elp-56284	64	50	by	by	ADP
elp-56284	64	51	civil	civil	ADJ
elp-56284	64	52	law	law	NOUN
elp-56284	64	53	.	.	PUNCT
elp-56284	65	1	3	3	X
elp-56284	65	2	.	.	X
elp-56284	65	3	reasons	reason	NOUN
elp-56284	65	4	for	for	ADP
elp-56284	65	5	difficulties	difficulty	NOUN
elp-56284	65	6	in	in	ADP
elp-56284	65	7	determining	determine	VERB
elp-56284	65	8	the	the	DET
elp-56284	65	9	nature	nature	NOUN
elp-56284	65	10	of	of	ADP
elp-56284	65	11	double	double	ADJ
elp-56284	65	12	fraud	fraud	NOUN
elp-56284	65	13	guarantee	guarantee	NOUN
elp-56284	65	14	loans	loan	NOUN
elp-56284	65	15	3.1	3.1	NUM
elp-56284	65	16	the	the	DET
elp-56284	65	17	act	act	NOUN
elp-56284	65	18	and	and	CCONJ
elp-56284	65	19	legal	legal	ADJ
elp-56284	65	20	relationship	relationship	NOUN
elp-56284	65	21	are	be	AUX
elp-56284	65	22	complex	complex	ADJ
elp-56284	65	23	the	the	DET
elp-56284	65	24	actor	actor	NOUN
elp-56284	65	25	committed	commit	VERB
elp-56284	65	26	a	a	DET
elp-56284	65	27	double	double	ADJ
elp-56284	65	28	deception	deception	NOUN
elp-56284	65	29	:	:	PUNCT
elp-56284	65	30	first	first	ADV
elp-56284	65	31	obtaining	obtain	VERB
elp-56284	65	32	the	the	DET
elp-56284	65	33	guarantee	guarantee	NOUN
elp-56284	65	34	of	of	ADP
elp-56284	65	35	the	the	DET
elp-56284	65	36	guarantor	guarantor	NOUN
elp-56284	65	37	by	by	ADP
elp-56284	65	38	deception	deception	NOUN
elp-56284	65	39	,	,	PUNCT
elp-56284	65	40	and	and	CCONJ
elp-56284	65	41	then	then	ADV
elp-56284	65	42	defrauding	defraud	VERB
elp-56284	65	43	the	the	DET
elp-56284	65	44	bank	bank	NOUN
elp-56284	65	45	loan	loan	NOUN
elp-56284	65	46	by	by	ADP
elp-56284	65	47	virtue	virtue	NOUN
elp-56284	65	48	of	of	ADP
elp-56284	65	49	the	the	DET
elp-56284	65	50	real	real	ADJ
elp-56284	65	51	guarantee	guarantee	NOUN
elp-56284	65	52	.	.	PUNCT
elp-56284	66	1	in	in	ADP
elp-56284	66	2	this	this	DET
elp-56284	66	3	case	case	NOUN
elp-56284	66	4	,	,	PUNCT
elp-56284	66	5	the	the	DET
elp-56284	66	6	provisions	provision	NOUN
elp-56284	66	7	of	of	ADP
elp-56284	66	8	article	article	NOUN
elp-56284	66	9	193	193	NUM
elp-56284	66	10	(	(	PUNCT
elp-56284	66	11	4	4	NUM
elp-56284	66	12	)	)	PUNCT
elp-56284	66	13	of	of	ADP
elp-56284	66	14	the	the	DET
elp-56284	66	15	criminal	criminal	ADJ
elp-56284	66	16	law	law	NOUN
elp-56284	66	17	on	on	ADP
elp-56284	66	18	false	false	ADJ
elp-56284	66	19	guarantees	guarantee	NOUN
elp-56284	66	20	or	or	CCONJ
elp-56284	66	21	repeated	repeat	VERB
elp-56284	66	22	guarantees	guarantee	NOUN
elp-56284	66	23	can	can	AUX
elp-56284	66	24	not	not	PART
elp-56284	66	25	be	be	AUX
elp-56284	66	26	directly	directly	ADV
elp-56284	66	27	applied	apply	VERB
elp-56284	66	28	to	to	PART
elp-56284	66	29	determine	determine	VERB
elp-56284	66	30	the	the	DET
elp-56284	66	31	crime	crime	NOUN
elp-56284	66	32	of	of	ADP
elp-56284	66	33	loan	loan	NOUN
elp-56284	66	34	fraud	fraud	NOUN
elp-56284	66	35	,	,	PUNCT
elp-56284	66	36	because	because	SCONJ
elp-56284	66	37	it	it	PRON
elp-56284	66	38	is	be	AUX
elp-56284	66	39	necessary	necessary	ADJ
elp-56284	66	40	to	to	PART
elp-56284	66	41	consider	consider	VERB
elp-56284	66	42	the	the	DET
elp-56284	66	43	fraud	fraud	NOUN
elp-56284	66	44	of	of	ADP
elp-56284	66	45	the	the	DET
elp-56284	66	46	guarantor	guarantor	NOUN
elp-56284	66	47	by	by	ADP
elp-56284	66	48	the	the	DET
elp-56284	66	49	perpetrator	perpetrator	NOUN
elp-56284	66	50	and	and	CCONJ
elp-56284	66	51	the	the	DET
elp-56284	66	52	role	role	NOUN
elp-56284	66	53	of	of	ADP
elp-56284	66	54	the	the	DET
elp-56284	66	55	real	real	ADJ
elp-56284	66	56	guarantee	guarantee	NOUN
elp-56284	66	57	in	in	ADP
elp-56284	66	58	the	the	DET
elp-56284	66	59	process	process	NOUN
elp-56284	66	60	of	of	ADP
elp-56284	66	61	obtaining	obtain	VERB
elp-56284	66	62	the	the	DET
elp-56284	66	63	loan	loan	NOUN
elp-56284	66	64	.	.	PUNCT
elp-56284	67	1	at	at	ADP
elp-56284	67	2	the	the	DET
elp-56284	67	3	same	same	ADJ
elp-56284	67	4	time	time	NOUN
elp-56284	67	5	,	,	PUNCT
elp-56284	67	6	since	since	SCONJ
elp-56284	67	7	the	the	DET
elp-56284	67	8	description	description	NOUN
elp-56284	67	9	of	of	ADP
elp-56284	67	10	the	the	DET
elp-56284	67	11	crime	crime	NOUN
elp-56284	67	12	in	in	ADP
elp-56284	67	13	article	article	NOUN
elp-56284	67	14	193	193	NUM
elp-56284	67	15	does	do	AUX
elp-56284	67	16	not	not	PART
elp-56284	67	17	include	include	VERB
elp-56284	67	18	the	the	DET
elp-56284	67	19	formal	formal	ADJ
elp-56284	67	20	defects	defect	NOUN
elp-56284	67	21	of	of	ADP
elp-56284	67	22	the	the	DET
elp-56284	67	23	guarantee	guarantee	NOUN
elp-56284	67	24	,	,	PUNCT
elp-56284	67	25	according	accord	VERB
elp-56284	67	26	to	to	ADP
elp-56284	67	27	the	the	DET
elp-56284	67	28	similar	similar	ADJ
elp-56284	67	29	interpretation	interpretation	NOUN
elp-56284	67	30	rules	rule	NOUN
elp-56284	67	31	,	,	PUNCT
elp-56284	67	32	the	the	DET
elp-56284	67	33	“	"	PUNCT
elp-56284	67	34	other	other	ADJ
elp-56284	67	35	methods	method	NOUN
elp-56284	67	36	”	"	PUNCT
elp-56284	67	37	clause	clause	NOUN
elp-56284	67	38	in	in	ADP
elp-56284	67	39	article	article	NOUN
elp-56284	67	40	5	5	NUM
elp-56284	67	41	of	of	ADP
elp-56284	67	42	this	this	DET
elp-56284	67	43	article	article	NOUN
elp-56284	67	44	is	be	AUX
elp-56284	67	45	also	also	ADV
elp-56284	67	46	difficult	difficult	ADJ
elp-56284	67	47	to	to	PART
elp-56284	67	48	directly	directly	ADV
elp-56284	67	49	apply	apply	VERB
elp-56284	67	50	to	to	ADP
elp-56284	67	51	the	the	DET
elp-56284	67	52	use	use	NOUN
elp-56284	67	53	of	of	ADP
elp-56284	67	54	fraudulent	fraudulent	ADJ
elp-56284	67	55	real	real	ADJ
elp-56284	67	56	guarantees	guarantee	NOUN
elp-56284	67	57	to	to	PART
elp-56284	67	58	obtain	obtain	VERB
elp-56284	67	59	loans	loan	NOUN
elp-56284	67	60	.	.	PUNCT
elp-56284	68	1	different	different	ADJ
elp-56284	68	2	from	from	ADP
elp-56284	68	3	the	the	DET
elp-56284	68	4	general	general	ADJ
elp-56284	68	5	cases	case	NOUN
elp-56284	68	6	of	of	ADP
elp-56284	68	7	defrauding	defraud	VERB
elp-56284	68	8	loans	loan	NOUN
elp-56284	68	9	or	or	CCONJ
elp-56284	68	10	loan	loan	NOUN
elp-56284	68	11	fraud	fraud	NOUN
elp-56284	68	12	,	,	PUNCT
elp-56284	68	13	such	such	ADJ
elp-56284	68	14	cases	case	NOUN
elp-56284	68	15	involve	involve	VERB
elp-56284	68	16	the	the	DET
elp-56284	68	17	legal	legal	ADJ
elp-56284	68	18	relationship	relationship	NOUN
elp-56284	68	19	between	between	ADP
elp-56284	68	20	the	the	DET
elp-56284	68	21	borrower	borrower	NOUN
elp-56284	68	22	,	,	PUNCT
elp-56284	68	23	the	the	DET
elp-56284	68	24	lender	lender	NOUN
elp-56284	68	25	and	and	CCONJ
elp-56284	68	26	the	the	DET
elp-56284	68	27	guarantor	guarantor	NOUN
elp-56284	68	28	,	,	PUNCT
elp-56284	68	29	including	include	VERB
elp-56284	68	30	both	both	CCONJ
elp-56284	68	31	the	the	DET
elp-56284	68	32	loan	loan	NOUN
elp-56284	68	33	contract	contract	NOUN
elp-56284	68	34	and	and	CCONJ
elp-56284	68	35	the	the	DET
elp-56284	68	36	guarantee	guarantee	NOUN
elp-56284	68	37	contract	contract	NOUN
elp-56284	68	38	.	.	PUNCT
elp-56284	69	1	since	since	SCONJ
elp-56284	69	2	the	the	DET
elp-56284	69	3	real	real	ADJ
elp-56284	69	4	guarantee	guarantee	NOUN
elp-56284	69	5	is	be	AUX
elp-56284	69	6	provided	provide	VERB
elp-56284	69	7	,	,	PUNCT
elp-56284	69	8	involving	involve	VERB
elp-56284	69	9	the	the	DET
elp-56284	69	10	establishment	establishment	NOUN
elp-56284	69	11	and	and	CCONJ
elp-56284	69	12	exercise	exercise	NOUN
elp-56284	69	13	of	of	ADP
elp-56284	69	14	the	the	DET
elp-56284	69	15	security	security	NOUN
elp-56284	69	16	right	right	NOUN
elp-56284	69	17	,	,	PUNCT
elp-56284	69	18	the	the	DET
elp-56284	69	19	criminal	criminal	ADJ
elp-56284	69	20	and	and	CCONJ
elp-56284	69	21	civil	civil	ADJ
elp-56284	69	22	legal	legal	ADJ
elp-56284	69	23	relations	relation	NOUN
elp-56284	69	24	are	be	AUX
elp-56284	69	25	intertwined	intertwine	VERB
elp-56284	69	26	in	in	ADP
elp-56284	69	27	the	the	DET
elp-56284	69	28	legal	legal	ADJ
elp-56284	69	29	relationship	relationship	NOUN
elp-56284	69	30	caused	cause	VERB
elp-56284	69	31	by	by	ADP
elp-56284	69	32	the	the	DET
elp-56284	69	33	two	two	NUM
elp-56284	69	34	fraudulent	fraudulent	ADJ
elp-56284	69	35	acts	act	NOUN
elp-56284	69	36	.	.	PUNCT
elp-56284	70	1	for	for	ADP
elp-56284	70	2	these	these	DET
elp-56284	70	3	two	two	NUM
elp-56284	70	4	deceptions	deception	NOUN
elp-56284	70	5	,	,	PUNCT
elp-56284	70	6	whether	whether	SCONJ
elp-56284	70	7	one	one	NUM
elp-56284	70	8	of	of	ADP
elp-56284	70	9	them	they	PRON
elp-56284	70	10	constitutes	constitute	VERB
elp-56284	70	11	a	a	DET
elp-56284	70	12	crime	crime	NOUN
elp-56284	70	13	or	or	CCONJ
elp-56284	70	14	both	both	PRON
elp-56284	70	15	of	of	ADP
elp-56284	70	16	them	they	PRON
elp-56284	70	17	constitutes	constitute	VERB
elp-56284	70	18	a	a	DET
elp-56284	70	19	crime	crime	NOUN
elp-56284	70	20	is	be	AUX
elp-56284	70	21	controversial	controversial	ADJ
elp-56284	70	22	in	in	ADP
elp-56284	70	23	itself	itself	PRON
elp-56284	70	24	.	.	PUNCT
elp-56284	71	1	3.2	3.2	NUM
elp-56284	71	2	the	the	DET
elp-56284	71	3	assumption	assumption	NOUN
elp-56284	71	4	of	of	ADP
elp-56284	71	5	losses	loss	NOUN
elp-56284	71	6	is	be	AUX
elp-56284	71	7	uncertain	uncertain	ADJ
elp-56284	71	8	because	because	SCONJ
elp-56284	71	9	the	the	DET
elp-56284	71	10	guarantor	guarantor	NOUN
elp-56284	71	11	provides	provide	VERB
elp-56284	71	12	the	the	DET
elp-56284	71	13	real	real	ADJ
elp-56284	71	14	guarantee	guarantee	NOUN
elp-56284	71	15	for	for	ADP
elp-56284	71	16	the	the	DET
elp-56284	71	17	actor	actor	NOUN
elp-56284	71	18	’s	’s	PART
elp-56284	71	19	loan	loan	NOUN
elp-56284	71	20	,	,	PUNCT
elp-56284	71	21	there	there	PRON
elp-56284	71	22	is	be	VERB
elp-56284	71	23	a	a	DET
elp-56284	71	24	guarantee	guarantee	NOUN
elp-56284	71	25	legal	legal	ADJ
elp-56284	71	26	relationship	relationship	NOUN
elp-56284	71	27	with	with	ADP
elp-56284	71	28	the	the	DET
elp-56284	71	29	bank	bank	NOUN
elp-56284	71	30	.	.	PUNCT
elp-56284	72	1	since	since	SCONJ
elp-56284	72	2	the	the	DET
elp-56284	72	3	guarantor	guarantor	NOUN
elp-56284	72	4	provides	provide	VERB
elp-56284	72	5	a	a	DET
elp-56284	72	6	real	real	ADJ
elp-56284	72	7	and	and	CCONJ
elp-56284	72	8	effective	effective	ADJ
elp-56284	72	9	guarantee	guarantee	NOUN
elp-56284	72	10	to	to	ADP
elp-56284	72	11	the	the	DET
elp-56284	72	12	bank	bank	NOUN
elp-56284	72	13	,	,	PUNCT
elp-56284	72	14	according	accord	VERB
elp-56284	72	15	to	to	ADP
elp-56284	72	16	the	the	DET
elp-56284	72	17	guarantee	guarantee	NOUN
elp-56284	72	18	legal	legal	ADJ
elp-56284	72	19	relationship	relationship	NOUN
elp-56284	72	20	,	,	PUNCT
elp-56284	72	21	when	when	SCONJ
elp-56284	72	22	the	the	DET
elp-56284	72	23	borrower	borrower	NOUN
elp-56284	72	24	can	can	AUX
elp-56284	72	25	not	not	PART
elp-56284	72	26	repay	repay	VERB
elp-56284	72	27	the	the	DET
elp-56284	72	28	loan	loan	NOUN
elp-56284	72	29	,	,	PUNCT
elp-56284	72	30	the	the	DET
elp-56284	72	31	bank	bank	NOUN
elp-56284	72	32	has	have	VERB
elp-56284	72	33	the	the	DET
elp-56284	72	34	right	right	NOUN
elp-56284	72	35	to	to	PART
elp-56284	72	36	require	require	VERB
elp-56284	72	37	the	the	DET
elp-56284	72	38	guarantor	guarantor	NOUN
elp-56284	72	39	to	to	PART
elp-56284	72	40	bear	bear	VERB
elp-56284	72	41	the	the	DET
elp-56284	72	42	responsibility	responsibility	NOUN
elp-56284	72	43	,	,	PUNCT
elp-56284	72	44	and	and	CCONJ
elp-56284	72	45	the	the	DET
elp-56284	72	46	loss	loss	NOUN
elp-56284	72	47	is	be	AUX
elp-56284	72	48	borne	bear	VERB
elp-56284	72	49	by	by	ADP
elp-56284	72	50	the	the	DET
elp-56284	72	51	guarantor	guarantor	NOUN
elp-56284	72	52	.	.	PUNCT
elp-56284	73	1	however	however	ADV
elp-56284	73	2	,	,	PUNCT
elp-56284	73	3	if	if	SCONJ
elp-56284	73	4	the	the	DET
elp-56284	73	5	guarantor	guarantor	NOUN
elp-56284	73	6	can	can	AUX
elp-56284	73	7	not	not	PART
elp-56284	73	8	fully	fully	ADV
elp-56284	73	9	perform	perform	VERB
elp-56284	73	10	the	the	DET
elp-56284	73	11	guarantee	guarantee	NOUN
elp-56284	73	12	liability	liability	NOUN
elp-56284	73	13	for	for	ADP
elp-56284	73	14	its	its	PRON
elp-56284	73	15	own	own	ADJ
elp-56284	73	16	reasons	reason	NOUN
elp-56284	73	17	(	(	PUNCT
elp-56284	73	18	such	such	ADJ
elp-56284	73	19	as	as	ADP
elp-56284	73	20	bankruptcy	bankruptcy	NOUN
elp-56284	73	21	or	or	CCONJ
elp-56284	73	22	loss	loss	NOUN
elp-56284	73	23	of	of	ADP
elp-56284	73	24	collateral	collateral	NOUN
elp-56284	73	25	)	)	PUNCT
elp-56284	73	26	,	,	PUNCT
elp-56284	73	27	the	the	DET
elp-56284	73	28	remaining	remain	VERB
elp-56284	73	29	losses	loss	NOUN
elp-56284	73	30	are	be	AUX
elp-56284	73	31	still	still	ADV
elp-56284	73	32	borne	bear	VERB
elp-56284	73	33	by	by	ADP
elp-56284	73	34	the	the	DET
elp-56284	73	35	bank	bank	NOUN
elp-56284	73	36	.	.	PUNCT
elp-56284	74	1	this	this	DET
elp-56284	74	2	dynamic	dynamic	ADJ
elp-56284	74	3	relationship	relationship	NOUN
elp-56284	74	4	between	between	ADP
elp-56284	74	5	the	the	DET
elp-56284	74	6	guarantee	guarantee	NOUN
elp-56284	74	7	liability	liability	NOUN
elp-56284	74	8	and	and	CCONJ
elp-56284	74	9	the	the	DET
elp-56284	74	10	bank	bank	NOUN
elp-56284	74	11	’s	’s	PART
elp-56284	74	12	creditor	creditor	NOUN
elp-56284	74	13	’s	’s	PART
elp-56284	74	14	rights	right	NOUN
elp-56284	74	15	leads	lead	VERB
elp-56284	74	16	to	to	ADP
elp-56284	74	17	the	the	DET
elp-56284	74	18	objective	objective	ADJ
elp-56284	74	19	uncertainty	uncertainty	NOUN
elp-56284	74	20	of	of	ADP
elp-56284	74	21	which	which	DET
elp-56284	74	22	party	party	NOUN
elp-56284	74	23	ultimately	ultimately	ADV
elp-56284	74	24	bears	bear	VERB
elp-56284	74	25	the	the	DET
elp-56284	74	26	actual	actual	ADJ
elp-56284	74	27	loss	loss	NOUN
elp-56284	74	28	.	.	PUNCT
elp-56284	75	1	in	in	ADP
elp-56284	75	2	judicial	judicial	ADJ
elp-56284	75	3	practice	practice	NOUN
elp-56284	75	4	,	,	PUNCT
elp-56284	75	5	this	this	DET
elp-56284	75	6	uncertainty	uncertainty	NOUN
elp-56284	75	7	directly	directly	ADV
elp-56284	75	8	affects	affect	VERB
elp-56284	75	9	the	the	DET
elp-56284	75	10	identification	identification	NOUN
elp-56284	75	11	of	of	ADP
elp-56284	75	12	crimes	crime	NOUN
elp-56284	75	13	:	:	PUNCT
elp-56284	75	14	if	if	SCONJ
elp-56284	75	15	the	the	DET
elp-56284	75	16	loss	loss	NOUN
elp-56284	75	17	is	be	AUX
elp-56284	75	18	ultimately	ultimately	ADV
elp-56284	75	19	borne	bear	VERB
elp-56284	75	20	by	by	ADP
elp-56284	75	21	the	the	DET
elp-56284	75	22	guarantor	guarantor	NOUN
elp-56284	75	23	,	,	PUNCT
elp-56284	75	24	it	it	PRON
elp-56284	75	25	may	may	AUX
elp-56284	75	26	be	be	AUX
elp-56284	75	27	identified	identify	VERB
elp-56284	75	28	as	as	ADP
elp-56284	75	29	the	the	DET
elp-56284	75	30	crime	crime	NOUN
elp-56284	75	31	of	of	ADP
elp-56284	75	32	contract	contract	NOUN
elp-56284	75	33	fraud	fraud	NOUN
elp-56284	75	34	;	;	PUNCT
elp-56284	75	35	if	if	SCONJ
elp-56284	75	36	the	the	DET
elp-56284	75	37	loss	loss	NOUN
elp-56284	75	38	is	be	AUX
elp-56284	75	39	borne	bear	VERB
elp-56284	75	40	by	by	ADP
elp-56284	75	41	the	the	DET
elp-56284	75	42	bank	bank	NOUN
elp-56284	75	43	,	,	PUNCT
elp-56284	75	44	it	it	PRON
elp-56284	75	45	may	may	AUX
elp-56284	75	46	be	be	AUX
elp-56284	75	47	identified	identify	VERB
elp-56284	75	48	as	as	ADP
elp-56284	75	49	a	a	DET
elp-56284	75	50	loan	loan	NOUN
elp-56284	75	51	fraud	fraud	NOUN
elp-56284	75	52	.	.	PUNCT
elp-56284	76	1	this	this	DET
elp-56284	76	2	way	way	NOUN
elp-56284	76	3	of	of	ADP
elp-56284	76	4	reversing	reverse	VERB
elp-56284	76	5	the	the	DET
elp-56284	76	6	crime	crime	NOUN
elp-56284	76	7	by	by	ADP
elp-56284	76	8	the	the	DET
elp-56284	76	9	actual	actual	ADJ
elp-56284	76	10	loss	loss	NOUN
elp-56284	76	11	result	result	NOUN
elp-56284	76	12	essentially	essentially	ADV
elp-56284	76	13	links	link	VERB
elp-56284	76	14	the	the	DET
elp-56284	76	15	nature	nature	NOUN
elp-56284	76	16	of	of	ADP
elp-56284	76	17	the	the	DET
elp-56284	76	18	criminal	criminal	ADJ
elp-56284	76	19	act	act	NOUN
elp-56284	76	20	with	with	ADP
elp-56284	76	21	the	the	DET
elp-56284	76	22	accidental	accidental	ADJ
elp-56284	76	23	result	result	NOUN
elp-56284	76	24	of	of	ADP
elp-56284	76	25	civil	civil	ADJ
elp-56284	76	26	settlement	settlement	NOUN
elp-56284	76	27	,	,	PUNCT
elp-56284	76	28	resulting	result	VERB
elp-56284	76	29	in	in	ADP
elp-56284	76	30	the	the	DET
elp-56284	76	31	difference	difference	NOUN
elp-56284	76	32	in	in	ADP
elp-56284	76	33	the	the	DET
elp-56284	76	34	determination	determination	NOUN
elp-56284	76	35	of	of	ADP
elp-56284	76	36	the	the	DET
elp-56284	76	37	crime	crime	NOUN
elp-56284	76	38	in	in	ADP
elp-56284	76	39	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	76	40	economics	economic	NOUN
elp-56284	76	41	,	,	PUNCT
elp-56284	76	42	law	law	NOUN
elp-56284	76	43	and	and	CCONJ
elp-56284	76	44	policy	policy	NOUN
elp-56284	76	45	vol	vol	NOUN
elp-56284	76	46	.	.	PROPN
elp-56284	77	1	8	8	NUM
elp-56284	77	2	,	,	PUNCT
elp-56284	77	3	no	no	INTJ
elp-56284	77	4	.	.	NOUN
elp-56284	77	5	2	2	NUM
elp-56284	77	6	,	,	PUNCT
elp-56284	77	7	2025	2025	NUM
elp-56284	77	8	119	119	NUM
elp-56284	77	9	published	publish	VERB
elp-56284	77	10	by	by	ADP
elp-56284	77	11	scholink	scholink	PROPN
elp-56284	77	12	inc	inc	PROPN
elp-56284	77	13	.	.	PUNCT
elp-56284	78	1	the	the	DET
elp-56284	78	2	same	same	ADJ
elp-56284	78	3	type	type	NOUN
elp-56284	78	4	of	of	ADP
elp-56284	78	5	case	case	NOUN
elp-56284	78	6	due	due	ADP
elp-56284	78	7	to	to	ADP
elp-56284	78	8	the	the	DET
elp-56284	78	9	different	different	ADJ
elp-56284	78	10	performance	performance	NOUN
elp-56284	78	11	ability	ability	NOUN
elp-56284	78	12	of	of	ADP
elp-56284	78	13	the	the	DET
elp-56284	78	14	guarantor	guarantor	NOUN
elp-56284	78	15	.	.	PUNCT
elp-56284	79	1	this	this	PRON
elp-56284	79	2	not	not	PART
elp-56284	79	3	only	only	ADV
elp-56284	79	4	violates	violate	VERB
elp-56284	79	5	the	the	DET
elp-56284	79	6	principle	principle	NOUN
elp-56284	79	7	that	that	SCONJ
elp-56284	79	8	the	the	DET
elp-56284	79	9	criminal	criminal	ADJ
elp-56284	79	10	law	law	NOUN
elp-56284	79	11	should	should	AUX
elp-56284	79	12	be	be	AUX
elp-56284	79	13	convicted	convict	VERB
elp-56284	79	14	based	base	VERB
elp-56284	79	15	on	on	ADP
elp-56284	79	16	the	the	DET
elp-56284	79	17	nature	nature	NOUN
elp-56284	79	18	of	of	ADP
elp-56284	79	19	the	the	DET
elp-56284	79	20	act	act	NOUN
elp-56284	79	21	itself	itself	PRON
elp-56284	79	22	,	,	PUNCT
elp-56284	79	23	but	but	CCONJ
elp-56284	79	24	also	also	ADV
elp-56284	79	25	causes	cause	VERB
elp-56284	79	26	the	the	DET
elp-56284	79	27	inconsistency	inconsistency	NOUN
elp-56284	79	28	of	of	ADP
elp-56284	79	29	judicial	judicial	ADJ
elp-56284	79	30	evaluation	evaluation	NOUN
elp-56284	79	31	standards	standard	NOUN
elp-56284	79	32	.	.	PUNCT
elp-56284	80	1	3.3	3.3	NUM
elp-56284	80	2	the	the	DET
elp-56284	80	3	criminal	criminal	ADJ
elp-56284	80	4	intent	intent	NOUN
elp-56284	80	5	is	be	AUX
elp-56284	80	6	general	general	ADJ
elp-56284	80	7	in	in	ADP
elp-56284	80	8	the	the	DET
elp-56284	80	9	case	case	NOUN
elp-56284	80	10	where	where	SCONJ
elp-56284	80	11	the	the	DET
elp-56284	80	12	actor	actor	NOUN
elp-56284	80	13	defrauds	defraud	VERB
elp-56284	80	14	the	the	DET
elp-56284	80	15	guarantee	guarantee	NOUN
elp-56284	80	16	,	,	PUNCT
elp-56284	80	17	the	the	DET
elp-56284	80	18	actor	actor	NOUN
elp-56284	80	19	knows	know	VERB
elp-56284	80	20	that	that	SCONJ
elp-56284	80	21	the	the	DET
elp-56284	80	22	guarantor	guarantor	NOUN
elp-56284	80	23	may	may	AUX
elp-56284	80	24	bear	bear	VERB
elp-56284	80	25	the	the	DET
elp-56284	80	26	corresponding	correspond	VERB
elp-56284	80	27	responsibility	responsibility	NOUN
elp-56284	80	28	because	because	SCONJ
elp-56284	80	29	it	it	PRON
elp-56284	80	30	can	can	AUX
elp-56284	80	31	not	not	PART
elp-56284	80	32	repay	repay	VERB
elp-56284	80	33	the	the	DET
elp-56284	80	34	loan	loan	NOUN
elp-56284	80	35	,	,	PUNCT
elp-56284	80	36	so	so	CCONJ
elp-56284	80	37	its	its	PRON
elp-56284	80	38	subjective	subjective	ADJ
elp-56284	80	39	purpose	purpose	NOUN
elp-56284	80	40	is	be	AUX
elp-56284	80	41	often	often	ADV
elp-56284	80	42	difficult	difficult	ADJ
elp-56284	80	43	to	to	PART
elp-56284	80	44	clearly	clearly	ADV
elp-56284	80	45	define	define	VERB
elp-56284	80	46	whether	whether	SCONJ
elp-56284	80	47	it	it	PRON
elp-56284	80	48	is	be	AUX
elp-56284	80	49	for	for	ADP
elp-56284	80	50	the	the	DET
elp-56284	80	51	guarantor	guarantor	NOUN
elp-56284	80	52	or	or	CCONJ
elp-56284	80	53	the	the	DET
elp-56284	80	54	loan	loan	NOUN
elp-56284	80	55	bank	bank	NOUN
elp-56284	80	56	.	.	PUNCT
elp-56284	81	1	the	the	DET
elp-56284	81	2	criminal	criminal	ADJ
elp-56284	81	3	intent	intent	NOUN
elp-56284	81	4	is	be	AUX
elp-56284	81	5	usually	usually	ADV
elp-56284	81	6	characterized	characterize	VERB
elp-56284	81	7	by	by	ADP
elp-56284	81	8	generality	generality	NOUN
elp-56284	81	9	.	.	PUNCT
elp-56284	82	1	the	the	DET
elp-56284	82	2	actor	actor	NOUN
elp-56284	82	3	does	do	AUX
elp-56284	82	4	not	not	PART
elp-56284	82	5	pay	pay	VERB
elp-56284	82	6	special	special	ADJ
elp-56284	82	7	attention	attention	NOUN
elp-56284	82	8	to	to	ADP
elp-56284	82	9	who	who	PRON
elp-56284	82	10	bears	bear	VERB
elp-56284	82	11	the	the	DET
elp-56284	82	12	final	final	ADJ
elp-56284	82	13	loss	loss	NOUN
elp-56284	82	14	,	,	PUNCT
elp-56284	82	15	and	and	CCONJ
elp-56284	82	16	the	the	DET
elp-56284	82	17	bearer	bearer	NOUN
elp-56284	82	18	of	of	ADP
elp-56284	82	19	the	the	DET
elp-56284	82	20	actual	actual	ADJ
elp-56284	82	21	loss	loss	NOUN
elp-56284	82	22	result	result	NOUN
elp-56284	82	23	is	be	AUX
elp-56284	82	24	often	often	ADV
elp-56284	82	25	not	not	PART
elp-56284	82	26	controlled	control	VERB
elp-56284	82	27	or	or	CCONJ
elp-56284	82	28	pursued	pursue	VERB
elp-56284	82	29	by	by	ADP
elp-56284	82	30	the	the	DET
elp-56284	82	31	actor	actor	NOUN
elp-56284	82	32	.	.	PUNCT
elp-56284	83	1	therefore	therefore	ADV
elp-56284	83	2	,	,	PUNCT
elp-56284	83	3	in	in	ADP
elp-56284	83	4	such	such	ADJ
elp-56284	83	5	cases	case	NOUN
elp-56284	83	6	,	,	PUNCT
elp-56284	83	7	it	it	PRON
elp-56284	83	8	is	be	AUX
elp-56284	83	9	difficult	difficult	ADJ
elp-56284	83	10	to	to	PART
elp-56284	83	11	accurately	accurately	ADV
elp-56284	83	12	define	define	VERB
elp-56284	83	13	the	the	DET
elp-56284	83	14	nature	nature	NOUN
elp-56284	83	15	of	of	ADP
elp-56284	83	16	criminal	criminal	ADJ
elp-56284	83	17	acts	act	NOUN
elp-56284	83	18	by	by	ADP
elp-56284	83	19	relying	rely	VERB
elp-56284	83	20	on	on	ADP
elp-56284	83	21	subjective	subjective	ADJ
elp-56284	83	22	purpose	purpose	NOUN
elp-56284	83	23	elements	element	NOUN
elp-56284	83	24	,	,	PUNCT
elp-56284	83	25	and	and	CCONJ
elp-56284	83	26	the	the	DET
elp-56284	83	27	screening	screening	NOUN
elp-56284	83	28	function	function	NOUN
elp-56284	83	29	of	of	ADP
elp-56284	83	30	purpose	purpose	NOUN
elp-56284	83	31	elements	element	NOUN
elp-56284	83	32	is	be	AUX
elp-56284	83	33	obviously	obviously	ADV
elp-56284	83	34	weakened	weaken	VERB
elp-56284	83	35	.	.	PUNCT
elp-56284	84	1	it	it	PRON
elp-56284	84	2	can	can	AUX
elp-56284	84	3	be	be	AUX
elp-56284	84	4	seen	see	VERB
elp-56284	84	5	that	that	SCONJ
elp-56284	84	6	such	such	ADJ
elp-56284	84	7	behavior	behavior	NOUN
elp-56284	84	8	of	of	ADP
elp-56284	84	9	defrauding	defraud	VERB
elp-56284	84	10	guarantees	guarantee	NOUN
elp-56284	84	11	and	and	CCONJ
elp-56284	84	12	obtaining	obtain	VERB
elp-56284	84	13	loans	loan	NOUN
elp-56284	84	14	can	can	AUX
elp-56284	84	15	not	not	PART
elp-56284	84	16	be	be	AUX
elp-56284	84	17	simply	simply	ADV
elp-56284	84	18	understood	understand	VERB
elp-56284	84	19	as	as	SCONJ
elp-56284	84	20	the	the	DET
elp-56284	84	21	actor	actor	NOUN
elp-56284	84	22	only	only	ADV
elp-56284	84	23	has	have	VERB
elp-56284	84	24	the	the	DET
elp-56284	84	25	purpose	purpose	NOUN
elp-56284	84	26	of	of	ADP
elp-56284	84	27	illegally	illegally	ADV
elp-56284	84	28	occupying	occupy	VERB
elp-56284	84	29	the	the	DET
elp-56284	84	30	loan	loan	NOUN
elp-56284	84	31	,	,	PUNCT
elp-56284	84	32	while	while	SCONJ
elp-56284	84	33	ignoring	ignore	VERB
elp-56284	84	34	its	its	PRON
elp-56284	84	35	subjective	subjective	ADJ
elp-56284	84	36	intention	intention	NOUN
elp-56284	84	37	of	of	ADP
elp-56284	84	38	illegally	illegally	ADV
elp-56284	84	39	occupying	occupy	VERB
elp-56284	84	40	the	the	DET
elp-56284	84	41	guarantor	guarantor	NOUN
elp-56284	84	42	’s	’s	PART
elp-56284	84	43	property	property	NOUN
elp-56284	84	44	.	.	PUNCT
elp-56284	85	1	the	the	DET
elp-56284	85	2	actor	actor	NOUN
elp-56284	85	3	has	have	AUX
elp-56284	85	4	implemented	implement	VERB
elp-56284	85	5	two	two	NUM
elp-56284	85	6	deceptions	deception	NOUN
elp-56284	85	7	of	of	ADP
elp-56284	85	8	guarantee	guarantee	NOUN
elp-56284	85	9	and	and	CCONJ
elp-56284	85	10	loan	loan	NOUN
elp-56284	85	11	at	at	ADP
elp-56284	85	12	the	the	DET
elp-56284	85	13	same	same	ADJ
elp-56284	85	14	time	time	NOUN
elp-56284	85	15	.	.	PUNCT
elp-56284	86	1	however	however	ADV
elp-56284	86	2	,	,	PUNCT
elp-56284	86	3	due	due	ADP
elp-56284	86	4	to	to	ADP
elp-56284	86	5	the	the	DET
elp-56284	86	6	generality	generality	NOUN
elp-56284	86	7	of	of	ADP
elp-56284	86	8	his	his	PRON
elp-56284	86	9	subjective	subjective	ADJ
elp-56284	86	10	intention	intention	NOUN
elp-56284	86	11	,	,	PUNCT
elp-56284	86	12	the	the	DET
elp-56284	86	13	stereotyped	stereotype	VERB
elp-56284	86	14	function	function	NOUN
elp-56284	86	15	of	of	ADP
elp-56284	86	16	the	the	DET
elp-56284	86	17	purpose	purpose	NOUN
elp-56284	86	18	element	element	NOUN
elp-56284	86	19	in	in	ADP
elp-56284	86	20	the	the	DET
elp-56284	86	21	crime	crime	NOUN
elp-56284	86	22	identification	identification	NOUN
elp-56284	86	23	is	be	AUX
elp-56284	86	24	weakened	weaken	VERB
elp-56284	86	25	(	(	PUNCT
elp-56284	86	26	liu	liu	PROPN
elp-56284	86	27	,	,	PUNCT
elp-56284	86	28	r.	r.	PROPN
elp-56284	86	29	,	,	PUNCT
elp-56284	86	30	2017	2017	NUM
elp-56284	86	31	,	,	PUNCT
elp-56284	86	32	pp	pp	ADJ
elp-56284	86	33	.	.	PUNCT
elp-56284	87	1	109	109	NUM
elp-56284	87	2	-	-	SYM
elp-56284	87	3	117	117	NUM
elp-56284	87	4	)	)	PUNCT
elp-56284	87	5	.	.	PUNCT
elp-56284	88	1	4	4	X
elp-56284	88	2	.	.	X
elp-56284	88	3	nature	nature	NOUN
elp-56284	88	4	of	of	ADP
elp-56284	88	5	guarantee	guarantee	NOUN
elp-56284	88	6	and	and	CCONJ
elp-56284	88	7	determination	determination	NOUN
elp-56284	88	8	of	of	ADP
elp-56284	88	9	victim	victim	NOUN
elp-56284	88	10	’s	’s	PART
elp-56284	88	11	losses	loss	NOUN
elp-56284	88	12	through	through	ADP
elp-56284	88	13	the	the	DET
elp-56284	88	14	previous	previous	ADJ
elp-56284	88	15	analysis	analysis	NOUN
elp-56284	88	16	of	of	ADP
elp-56284	88	17	the	the	DET
elp-56284	88	18	disputes	dispute	NOUN
elp-56284	88	19	and	and	CCONJ
elp-56284	88	20	dilemmas	dilemma	NOUN
elp-56284	88	21	in	in	ADP
elp-56284	88	22	the	the	DET
elp-56284	88	23	identification	identification	NOUN
elp-56284	88	24	of	of	ADP
elp-56284	88	25	the	the	DET
elp-56284	88	26	nature	nature	NOUN
elp-56284	88	27	of	of	ADP
elp-56284	88	28	the	the	DET
elp-56284	88	29	behavior	behavior	NOUN
elp-56284	88	30	of	of	ADP
elp-56284	88	31	defrauding	defraud	VERB
elp-56284	88	32	guarantees	guarantee	NOUN
elp-56284	88	33	and	and	CCONJ
elp-56284	88	34	thus	thus	ADV
elp-56284	88	35	obtaining	obtain	VERB
elp-56284	88	36	loans	loan	NOUN
elp-56284	88	37	.	.	PUNCT
elp-56284	89	1	the	the	DET
elp-56284	89	2	core	core	ADJ
elp-56284	89	3	controversy	controversy	NOUN
elp-56284	89	4	of	of	ADP
elp-56284	89	5	criminal	criminal	ADJ
elp-56284	89	6	law	law	NOUN
elp-56284	89	7	evaluation	evaluation	NOUN
elp-56284	89	8	on	on	ADP
elp-56284	89	9	the	the	DET
elp-56284	89	10	act	act	NOUN
elp-56284	89	11	of	of	ADP
elp-56284	89	12	obtaining	obtain	VERB
elp-56284	89	13	loans	loan	NOUN
elp-56284	89	14	by	by	ADP
elp-56284	89	15	defrauding	defraud	VERB
elp-56284	89	16	guarantees	guarantee	NOUN
elp-56284	89	17	lies	lie	VERB
elp-56284	89	18	in	in	ADP
elp-56284	89	19	how	how	SCONJ
elp-56284	89	20	to	to	PART
elp-56284	89	21	define	define	VERB
elp-56284	89	22	the	the	DET
elp-56284	89	23	legal	legal	ADJ
elp-56284	89	24	attributes	attribute	NOUN
elp-56284	89	25	of	of	ADP
elp-56284	89	26	guarantees	guarantee	NOUN
elp-56284	89	27	and	and	CCONJ
elp-56284	89	28	the	the	DET
elp-56284	89	29	criteria	criterion	NOUN
elp-56284	89	30	for	for	ADP
elp-56284	89	31	victim	victim	NOUN
elp-56284	89	32	identification	identification	NOUN
elp-56284	89	33	.	.	PUNCT
elp-56284	90	1	the	the	DET
elp-56284	90	2	key	key	NOUN
elp-56284	90	3	is	be	AUX
elp-56284	90	4	to	to	PART
elp-56284	90	5	clarify	clarify	VERB
elp-56284	90	6	whether	whether	SCONJ
elp-56284	90	7	the	the	DET
elp-56284	90	8	establishment	establishment	NOUN
elp-56284	90	9	of	of	ADP
elp-56284	90	10	a	a	DET
elp-56284	90	11	security	security	NOUN
elp-56284	90	12	right	right	ADV
elp-56284	90	13	constitutes	constitute	VERB
elp-56284	90	14	property	property	NOUN
elp-56284	90	15	damage	damage	NOUN
elp-56284	90	16	in	in	ADP
elp-56284	90	17	the	the	DET
elp-56284	90	18	sense	sense	NOUN
elp-56284	90	19	of	of	ADP
elp-56284	90	20	criminal	criminal	ADJ
elp-56284	90	21	law	law	NOUN
elp-56284	90	22	,	,	PUNCT
elp-56284	90	23	to	to	PART
elp-56284	90	24	judge	judge	VERB
elp-56284	90	25	the	the	DET
elp-56284	90	26	time	time	NOUN
elp-56284	90	27	when	when	SCONJ
elp-56284	90	28	the	the	DET
elp-56284	90	29	loss	loss	NOUN
elp-56284	90	30	occurs	occur	VERB
elp-56284	90	31	,	,	PUNCT
elp-56284	90	32	and	and	CCONJ
elp-56284	90	33	to	to	PART
elp-56284	90	34	distinguish	distinguish	VERB
elp-56284	90	35	the	the	DET
elp-56284	90	36	actual	actual	ADJ
elp-56284	90	37	victim	victim	NOUN
elp-56284	90	38	.	.	PUNCT
elp-56284	91	1	although	although	SCONJ
elp-56284	91	2	the	the	DET
elp-56284	91	3	guarantor	guarantor	NOUN
elp-56284	91	4	is	be	AUX
elp-56284	91	5	provided	provide	VERB
elp-56284	91	6	by	by	ADP
elp-56284	91	7	the	the	DET
elp-56284	91	8	deceived	deceive	VERB
elp-56284	91	9	party	party	NOUN
elp-56284	91	10	,	,	PUNCT
elp-56284	91	11	because	because	SCONJ
elp-56284	91	12	the	the	DET
elp-56284	91	13	guarantee	guarantee	NOUN
elp-56284	91	14	itself	itself	PRON
elp-56284	91	15	is	be	AUX
elp-56284	91	16	true	true	ADJ
elp-56284	91	17	and	and	CCONJ
elp-56284	91	18	effective	effective	ADJ
elp-56284	91	19	,	,	PUNCT
elp-56284	91	20	the	the	DET
elp-56284	91	21	case	case	NOUN
elp-56284	91	22	characterization	characterization	NOUN
elp-56284	91	23	needs	need	VERB
elp-56284	91	24	to	to	PART
elp-56284	91	25	focus	focus	VERB
elp-56284	91	26	on	on	ADP
elp-56284	91	27	the	the	DET
elp-56284	91	28	legal	legal	ADJ
elp-56284	91	29	effect	effect	NOUN
elp-56284	91	30	of	of	ADP
elp-56284	91	31	the	the	DET
elp-56284	91	32	establishment	establishment	NOUN
elp-56284	91	33	of	of	ADP
elp-56284	91	34	the	the	DET
elp-56284	91	35	guarantee	guarantee	NOUN
elp-56284	91	36	and	and	CCONJ
elp-56284	91	37	the	the	DET
elp-56284	91	38	impact	impact	NOUN
elp-56284	91	39	on	on	ADP
elp-56284	91	40	the	the	DET
elp-56284	91	41	property	property	NOUN
elp-56284	91	42	interests	interest	NOUN
elp-56284	91	43	of	of	ADP
elp-56284	91	44	all	all	DET
elp-56284	91	45	parties	party	NOUN
elp-56284	91	46	.	.	PUNCT
elp-56284	92	1	the	the	DET
elp-56284	92	2	constitution	constitution	NOUN
elp-56284	92	3	of	of	ADP
elp-56284	92	4	the	the	DET
elp-56284	92	5	crime	crime	NOUN
elp-56284	92	6	of	of	ADP
elp-56284	92	7	fraud	fraud	NOUN
elp-56284	92	8	must	must	AUX
elp-56284	92	9	take	take	VERB
elp-56284	92	10	the	the	DET
elp-56284	92	11	infringement	infringement	NOUN
elp-56284	92	12	of	of	ADP
elp-56284	92	13	legal	legal	ADJ
elp-56284	92	14	interests	interest	NOUN
elp-56284	92	15	as	as	ADP
elp-56284	92	16	the	the	DET
elp-56284	92	17	core	core	NOUN
elp-56284	92	18	,	,	PUNCT
elp-56284	92	19	and	and	CCONJ
elp-56284	92	20	the	the	DET
elp-56284	92	21	determination	determination	NOUN
elp-56284	92	22	of	of	ADP
elp-56284	92	23	the	the	DET
elp-56284	92	24	role	role	NOUN
elp-56284	92	25	of	of	ADP
elp-56284	92	26	the	the	DET
elp-56284	92	27	victim	victim	NOUN
elp-56284	92	28	should	should	AUX
elp-56284	92	29	be	be	AUX
elp-56284	92	30	based	base	VERB
elp-56284	92	31	on	on	ADP
elp-56284	92	32	the	the	DET
elp-56284	92	33	change	change	NOUN
elp-56284	92	34	of	of	ADP
elp-56284	92	35	rights	right	NOUN
elp-56284	92	36	and	and	CCONJ
elp-56284	92	37	interests	interest	NOUN
elp-56284	92	38	at	at	ADP
elp-56284	92	39	the	the	DET
elp-56284	92	40	time	time	NOUN
elp-56284	92	41	of	of	ADP
elp-56284	92	42	behavior	behavior	NOUN
elp-56284	92	43	,	,	PUNCT
elp-56284	92	44	rather	rather	ADV
elp-56284	92	45	than	than	ADP
elp-56284	92	46	the	the	DET
elp-56284	92	47	final	final	ADJ
elp-56284	92	48	result	result	NOUN
elp-56284	92	49	of	of	ADP
elp-56284	92	50	civil	civil	ADJ
elp-56284	92	51	liability	liability	NOUN
elp-56284	92	52	.	.	PUNCT
elp-56284	93	1	with	with	ADP
elp-56284	93	2	regard	regard	NOUN
elp-56284	93	3	to	to	ADP
elp-56284	93	4	the	the	DET
elp-56284	93	5	nature	nature	NOUN
elp-56284	93	6	of	of	ADP
elp-56284	93	7	security	security	NOUN
elp-56284	93	8	in	in	ADP
elp-56284	93	9	criminal	criminal	ADJ
elp-56284	93	10	law	law	NOUN
elp-56284	93	11	,	,	PUNCT
elp-56284	93	12	no	no	ADV
elp-56284	93	13	matter	matter	ADV
elp-56284	93	14	what	what	DET
elp-56284	93	15	kind	kind	NOUN
elp-56284	93	16	of	of	ADP
elp-56284	93	17	controversy	controversy	NOUN
elp-56284	93	18	exists	exist	VERB
elp-56284	93	19	in	in	ADP
elp-56284	93	20	the	the	DET
elp-56284	93	21	theoretical	theoretical	ADJ
elp-56284	93	22	circle	circle	NOUN
elp-56284	93	23	about	about	ADP
elp-56284	93	24	whether	whether	SCONJ
elp-56284	93	25	the	the	DET
elp-56284	93	26	security	security	NOUN
elp-56284	93	27	interest	interest	NOUN
elp-56284	93	28	belongs	belong	VERB
elp-56284	93	29	to	to	ADP
elp-56284	93	30	“	"	PUNCT
elp-56284	93	31	property	property	NOUN
elp-56284	93	32	”	"	PUNCT
elp-56284	93	33	or	or	CCONJ
elp-56284	93	34	“	"	PUNCT
elp-56284	93	35	property	property	NOUN
elp-56284	93	36	interest	interest	NOUN
elp-56284	93	37	”	"	PUNCT
elp-56284	93	38	,	,	PUNCT
elp-56284	93	39	it	it	PRON
elp-56284	93	40	does	do	AUX
elp-56284	93	41	not	not	PART
elp-56284	93	42	affect	affect	VERB
elp-56284	93	43	its	its	PRON
elp-56284	93	44	eligibility	eligibility	NOUN
elp-56284	93	45	as	as	ADP
elp-56284	93	46	the	the	DET
elp-56284	93	47	object	object	NOUN
elp-56284	93	48	of	of	ADP
elp-56284	93	49	fraud	fraud	NOUN
elp-56284	93	50	.	.	PUNCT
elp-56284	94	1	the	the	DET
elp-56284	94	2	guarantor	guarantor	NOUN
elp-56284	94	3	makes	make	VERB
elp-56284	94	4	the	the	DET
elp-56284	94	5	guarantee	guarantee	NOUN
elp-56284	94	6	behavior	behavior	NOUN
elp-56284	94	7	based	base	VERB
elp-56284	94	8	on	on	ADP
elp-56284	94	9	the	the	DET
elp-56284	94	10	wrong	wrong	ADJ
elp-56284	94	11	understanding	understanding	NOUN
elp-56284	94	12	.	.	PUNCT
elp-56284	95	1	although	although	SCONJ
elp-56284	95	2	the	the	DET
elp-56284	95	3	specific	specific	ADJ
elp-56284	95	4	property	property	NOUN
elp-56284	95	5	has	have	AUX
elp-56284	95	6	not	not	PART
elp-56284	95	7	been	be	AUX
elp-56284	95	8	transferred	transfer	VERB
elp-56284	95	9	immediately	immediately	ADV
elp-56284	95	10	,	,	PUNCT
elp-56284	95	11	its	its	PRON
elp-56284	95	12	property	property	NOUN
elp-56284	95	13	interests	interest	NOUN
elp-56284	95	14	have	have	AUX
elp-56284	95	15	fallen	fall	VERB
elp-56284	95	16	into	into	ADP
elp-56284	95	17	a	a	DET
elp-56284	95	18	real	real	ADJ
elp-56284	95	19	dangerous	dangerous	ADJ
elp-56284	95	20	state	state	NOUN
elp-56284	95	21	due	due	ADP
elp-56284	95	22	to	to	ADP
elp-56284	95	23	the	the	DET
elp-56284	95	24	establishment	establishment	NOUN
elp-56284	95	25	of	of	ADP
elp-56284	95	26	the	the	DET
elp-56284	95	27	guarantee	guarantee	NOUN
elp-56284	95	28	obligation	obligation	NOUN
elp-56284	95	29	.	.	PUNCT
elp-56284	96	1	there	there	PRON
elp-56284	96	2	is	be	VERB
elp-56284	96	3	a	a	DET
elp-56284	96	4	view	view	NOUN
elp-56284	96	5	that	that	SCONJ
elp-56284	96	6	the	the	DET
elp-56284	96	7	loss	loss	NOUN
elp-56284	96	8	can	can	AUX
elp-56284	96	9	be	be	AUX
elp-56284	96	10	identified	identify	VERB
elp-56284	96	11	only	only	ADV
elp-56284	96	12	when	when	SCONJ
elp-56284	96	13	the	the	DET
elp-56284	96	14	guarantor	guarantor	NOUN
elp-56284	96	15	is	be	AUX
elp-56284	96	16	actually	actually	ADV
elp-56284	96	17	compensated	compensate	VERB
elp-56284	96	18	,	,	PUNCT
elp-56284	96	19	but	but	CCONJ
elp-56284	96	20	this	this	DET
elp-56284	96	21	understanding	understanding	NOUN
elp-56284	96	22	confuses	confuse	VERB
elp-56284	96	23	the	the	DET
elp-56284	96	24	performance	performance	NOUN
elp-56284	96	25	of	of	ADP
elp-56284	96	26	civil	civil	ADJ
elp-56284	96	27	liability	liability	NOUN
elp-56284	96	28	and	and	CCONJ
elp-56284	96	29	the	the	DET
elp-56284	96	30	identification	identification	NOUN
elp-56284	96	31	standard	standard	NOUN
elp-56284	96	32	of	of	ADP
elp-56284	96	33	criminal	criminal	ADJ
elp-56284	96	34	law	law	NOUN
elp-56284	96	35	infringement	infringement	NOUN
elp-56284	96	36	.	.	PUNCT
elp-56284	97	1	the	the	DET
elp-56284	97	2	loss	loss	NOUN
elp-56284	97	3	of	of	ADP
elp-56284	97	4	property	property	NOUN
elp-56284	97	5	interests	interest	NOUN
elp-56284	97	6	does	do	AUX
elp-56284	97	7	not	not	PART
elp-56284	97	8	need	need	VERB
elp-56284	97	9	to	to	PART
elp-56284	97	10	be	be	AUX
elp-56284	97	11	based	base	VERB
elp-56284	97	12	on	on	ADP
elp-56284	97	13	the	the	DET
elp-56284	97	14	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	97	15	economics	economic	NOUN
elp-56284	97	16	,	,	PUNCT
elp-56284	97	17	law	law	NOUN
elp-56284	97	18	and	and	CCONJ
elp-56284	97	19	policy	policy	NOUN
elp-56284	97	20	vol	vol	NOUN
elp-56284	97	21	.	.	PROPN
elp-56284	98	1	8	8	NUM
elp-56284	98	2	,	,	PUNCT
elp-56284	98	3	no	no	INTJ
elp-56284	98	4	.	.	NOUN
elp-56284	98	5	2	2	NUM
elp-56284	98	6	,	,	PUNCT
elp-56284	98	7	2025	2025	NUM
elp-56284	98	8	120	120	NUM
elp-56284	98	9	published	publish	VERB
elp-56284	98	10	by	by	ADP
elp-56284	98	11	scholink	scholink	PROPN
elp-56284	98	12	inc	inc	PROPN
elp-56284	98	13	.	.	PROPN
elp-56284	98	14	premise	premise	NOUN
elp-56284	98	15	of	of	ADP
elp-56284	98	16	actual	actual	ADJ
elp-56284	98	17	property	property	NOUN
elp-56284	98	18	impairment	impairment	NOUN
elp-56284	98	19	.	.	PUNCT
elp-56284	99	1	as	as	ADV
elp-56284	99	2	long	long	ADV
elp-56284	99	3	as	as	SCONJ
elp-56284	99	4	the	the	DET
elp-56284	99	5	actor	actor	NOUN
elp-56284	99	6	deceives	deceive	VERB
elp-56284	99	7	the	the	DET
elp-56284	99	8	guarantor	guarantor	NOUN
elp-56284	99	9	’s	’s	PART
elp-56284	99	10	property	property	NOUN
elp-56284	99	11	in	in	ADP
elp-56284	99	12	a	a	DET
elp-56284	99	13	dangerous	dangerous	ADJ
elp-56284	99	14	situation	situation	NOUN
elp-56284	99	15	that	that	PRON
elp-56284	99	16	can	can	AUX
elp-56284	99	17	be	be	AUX
elp-56284	99	18	recovered	recover	VERB
elp-56284	99	19	at	at	ADP
elp-56284	99	20	any	any	DET
elp-56284	99	21	time	time	NOUN
elp-56284	99	22	,	,	PUNCT
elp-56284	99	23	it	it	PRON
elp-56284	99	24	constitutes	constitute	VERB
elp-56284	99	25	an	an	DET
elp-56284	99	26	infringement	infringement	NOUN
elp-56284	99	27	of	of	ADP
elp-56284	99	28	property	property	NOUN
elp-56284	99	29	legal	legal	ADJ
elp-56284	99	30	interests	interest	NOUN
elp-56284	99	31	.	.	PUNCT
elp-56284	100	1	at	at	ADP
elp-56284	100	2	this	this	DET
elp-56284	100	3	time	time	NOUN
elp-56284	100	4	,	,	PUNCT
elp-56284	100	5	the	the	DET
elp-56284	100	6	crime	crime	NOUN
elp-56284	100	7	of	of	ADP
elp-56284	100	8	contract	contract	NOUN
elp-56284	100	9	fraud	fraud	NOUN
elp-56284	100	10	has	have	AUX
elp-56284	100	11	been	be	AUX
elp-56284	100	12	accomplished	accomplish	VERB
elp-56284	100	13	.	.	PUNCT
elp-56284	101	1	the	the	DET
elp-56284	101	2	establishment	establishment	NOUN
elp-56284	101	3	of	of	ADP
elp-56284	101	4	the	the	DET
elp-56284	101	5	security	security	NOUN
elp-56284	101	6	right	right	NOUN
elp-56284	101	7	itself	itself	PRON
elp-56284	101	8	has	have	AUX
elp-56284	101	9	led	lead	VERB
elp-56284	101	10	to	to	ADP
elp-56284	101	11	the	the	DET
elp-56284	101	12	transfer	transfer	NOUN
elp-56284	101	13	of	of	ADP
elp-56284	101	14	property	property	NOUN
elp-56284	101	15	interests	interest	NOUN
elp-56284	101	16	,	,	PUNCT
elp-56284	101	17	and	and	CCONJ
elp-56284	101	18	the	the	DET
elp-56284	101	19	exercise	exercise	NOUN
elp-56284	101	20	of	of	ADP
elp-56284	101	21	the	the	DET
elp-56284	101	22	right	right	NOUN
elp-56284	101	23	of	of	ADP
elp-56284	101	24	relief	relief	NOUN
elp-56284	101	25	after	after	SCONJ
elp-56284	101	26	the	the	DET
elp-56284	101	27	event	event	NOUN
elp-56284	101	28	can	can	AUX
elp-56284	101	29	not	not	PART
elp-56284	101	30	replace	replace	VERB
elp-56284	101	31	the	the	DET
elp-56284	101	32	criminal	criminal	ADJ
elp-56284	101	33	evaluation	evaluation	NOUN
elp-56284	101	34	of	of	ADP
elp-56284	101	35	the	the	DET
elp-56284	101	36	property	property	NOUN
elp-56284	101	37	risk	risk	NOUN
elp-56284	101	38	at	at	ADP
elp-56284	101	39	the	the	DET
elp-56284	101	40	time	time	NOUN
elp-56284	101	41	of	of	ADP
elp-56284	101	42	the	the	DET
elp-56284	101	43	act	act	NOUN
elp-56284	101	44	.	.	PUNCT
elp-56284	102	1	there	there	PRON
elp-56284	102	2	are	be	VERB
elp-56284	102	3	opposing	oppose	VERB
elp-56284	102	4	views	view	NOUN
elp-56284	102	5	on	on	ADP
elp-56284	102	6	whether	whether	SCONJ
elp-56284	102	7	the	the	DET
elp-56284	102	8	bank	bank	NOUN
elp-56284	102	9	constitutes	constitute	VERB
elp-56284	102	10	a	a	DET
elp-56284	102	11	victim	victim	NOUN
elp-56284	102	12	of	of	ADP
elp-56284	102	13	property	property	NOUN
elp-56284	102	14	loss	loss	NOUN
elp-56284	102	15	.	.	PUNCT
elp-56284	103	1	the	the	DET
elp-56284	103	2	substantive	substantive	ADJ
elp-56284	103	3	individual	individual	ADJ
elp-56284	103	4	property	property	NOUN
elp-56284	103	5	theory	theory	NOUN
elp-56284	103	6	holds	hold	VERB
elp-56284	103	7	that	that	SCONJ
elp-56284	103	8	if	if	SCONJ
elp-56284	103	9	the	the	DET
elp-56284	103	10	bank	bank	NOUN
elp-56284	103	11	fails	fail	VERB
elp-56284	103	12	to	to	PART
elp-56284	103	13	achieve	achieve	VERB
elp-56284	103	14	the	the	DET
elp-56284	103	15	purpose	purpose	NOUN
elp-56284	103	16	of	of	ADP
elp-56284	103	17	recovering	recover	VERB
elp-56284	103	18	principal	principal	NOUN
elp-56284	103	19	and	and	CCONJ
elp-56284	103	20	interest	interest	NOUN
elp-56284	103	21	after	after	ADP
elp-56284	103	22	lending	lend	VERB
elp-56284	103	23	,	,	PUNCT
elp-56284	103	24	there	there	PRON
elp-56284	103	25	will	will	AUX
elp-56284	103	26	be	be	AUX
elp-56284	103	27	property	property	NOUN
elp-56284	103	28	losses	loss	NOUN
elp-56284	103	29	.	.	PUNCT
elp-56284	104	1	however	however	ADV
elp-56284	104	2	,	,	PUNCT
elp-56284	104	3	this	this	DET
elp-56284	104	4	paper	paper	NOUN
elp-56284	104	5	argues	argue	VERB
elp-56284	104	6	that	that	SCONJ
elp-56284	104	7	the	the	DET
elp-56284	104	8	bank	bank	NOUN
elp-56284	104	9	has	have	AUX
elp-56284	104	10	obtained	obtain	VERB
elp-56284	104	11	the	the	DET
elp-56284	104	12	security	security	NOUN
elp-56284	104	13	right	right	ADV
elp-56284	104	14	as	as	ADP
elp-56284	104	15	the	the	DET
elp-56284	104	16	consideration	consideration	NOUN
elp-56284	104	17	when	when	SCONJ
elp-56284	104	18	issuing	issue	VERB
elp-56284	104	19	the	the	DET
elp-56284	104	20	loan	loan	NOUN
elp-56284	104	21	,	,	PUNCT
elp-56284	104	22	and	and	CCONJ
elp-56284	104	23	its	its	PRON
elp-56284	104	24	disposition	disposition	NOUN
elp-56284	104	25	of	of	ADP
elp-56284	104	26	the	the	DET
elp-56284	104	27	loan	loan	NOUN
elp-56284	104	28	is	be	AUX
elp-56284	104	29	essentially	essentially	ADV
elp-56284	104	30	the	the	DET
elp-56284	104	31	exchange	exchange	NOUN
elp-56284	104	32	of	of	ADP
elp-56284	104	33	funds	fund	NOUN
elp-56284	104	34	for	for	ADP
elp-56284	104	35	security	security	NOUN
elp-56284	104	36	interests	interest	NOUN
elp-56284	104	37	,	,	PUNCT
elp-56284	104	38	without	without	ADP
elp-56284	104	39	causing	cause	VERB
elp-56284	104	40	property	property	NOUN
elp-56284	104	41	damage	damage	NOUN
elp-56284	104	42	in	in	ADP
elp-56284	104	43	the	the	DET
elp-56284	104	44	sense	sense	NOUN
elp-56284	104	45	of	of	ADP
elp-56284	104	46	criminal	criminal	ADJ
elp-56284	104	47	law	law	NOUN
elp-56284	104	48	.	.	PUNCT
elp-56284	105	1	the	the	DET
elp-56284	105	2	core	core	ADJ
elp-56284	105	3	purpose	purpose	NOUN
elp-56284	105	4	of	of	ADP
elp-56284	105	5	the	the	DET
elp-56284	105	6	guarantee	guarantee	NOUN
elp-56284	105	7	required	require	VERB
elp-56284	105	8	by	by	ADP
elp-56284	105	9	the	the	DET
elp-56284	105	10	bank	bank	NOUN
elp-56284	105	11	is	be	AUX
elp-56284	105	12	not	not	PART
elp-56284	105	13	to	to	PART
elp-56284	105	14	be	be	AUX
elp-56284	105	15	repaid	repay	VERB
elp-56284	105	16	by	by	ADP
elp-56284	105	17	the	the	DET
elp-56284	105	18	borrower	borrower	NOUN
elp-56284	105	19	himself	himself	PRON
elp-56284	105	20	,	,	PUNCT
elp-56284	105	21	but	but	CCONJ
elp-56284	105	22	to	to	PART
elp-56284	105	23	ensure	ensure	VERB
elp-56284	105	24	the	the	DET
elp-56284	105	25	diversity	diversity	NOUN
elp-56284	105	26	of	of	ADP
elp-56284	105	27	the	the	DET
elp-56284	105	28	realization	realization	NOUN
elp-56284	105	29	path	path	NOUN
elp-56284	105	30	of	of	ADP
elp-56284	105	31	the	the	DET
elp-56284	105	32	creditor	creditor	NOUN
elp-56284	105	33	’s	’s	PART
elp-56284	105	34	rights	right	NOUN
elp-56284	105	35	.	.	PUNCT
elp-56284	106	1	therefore	therefore	ADV
elp-56284	106	2	,	,	PUNCT
elp-56284	106	3	the	the	DET
elp-56284	106	4	compensation	compensation	NOUN
elp-56284	106	5	by	by	ADP
elp-56284	106	6	the	the	DET
elp-56284	106	7	guarantor	guarantor	NOUN
elp-56284	106	8	after	after	SCONJ
elp-56284	106	9	the	the	DET
elp-56284	106	10	borrower	borrower	NOUN
elp-56284	106	11	defaults	default	NOUN
elp-56284	106	12	is	be	AUX
elp-56284	106	13	a	a	DET
elp-56284	106	14	pre	pre	NOUN
elp-56284	106	15	-	-	NOUN
elp-56284	106	16	allocation	allocation	NOUN
elp-56284	106	17	of	of	ADP
elp-56284	106	18	contract	contract	NOUN
elp-56284	106	19	risk	risk	NOUN
elp-56284	106	20	,	,	PUNCT
elp-56284	106	21	which	which	PRON
elp-56284	106	22	does	do	AUX
elp-56284	106	23	not	not	PART
elp-56284	106	24	constitute	constitute	VERB
elp-56284	106	25	a	a	DET
elp-56284	106	26	failure	failure	NOUN
elp-56284	106	27	of	of	ADP
elp-56284	106	28	purpose	purpose	NOUN
elp-56284	106	29	.	.	PUNCT
elp-56284	107	1	the	the	DET
elp-56284	107	2	establishment	establishment	NOUN
elp-56284	107	3	of	of	ADP
elp-56284	107	4	a	a	DET
elp-56284	107	5	security	security	NOUN
elp-56284	107	6	right	right	NOUN
elp-56284	107	7	has	have	AUX
elp-56284	107	8	enabled	enable	VERB
elp-56284	107	9	the	the	DET
elp-56284	107	10	bank	bank	NOUN
elp-56284	107	11	to	to	PART
elp-56284	107	12	obtain	obtain	VERB
elp-56284	107	13	equivalent	equivalent	ADJ
elp-56284	107	14	rights	right	NOUN
elp-56284	107	15	at	at	ADP
elp-56284	107	16	the	the	DET
elp-56284	107	17	point	point	NOUN
elp-56284	107	18	of	of	ADP
elp-56284	107	19	action	action	NOUN
elp-56284	107	20	.	.	PUNCT
elp-56284	108	1	whether	whether	SCONJ
elp-56284	108	2	the	the	DET
elp-56284	108	3	subsequent	subsequent	ADJ
elp-56284	108	4	guarantee	guarantee	NOUN
elp-56284	108	5	is	be	AUX
elp-56284	108	6	fully	fully	ADV
elp-56284	108	7	realized	realize	VERB
elp-56284	108	8	is	be	AUX
elp-56284	108	9	a	a	DET
elp-56284	108	10	civil	civil	ADJ
elp-56284	108	11	enforcement	enforcement	NOUN
elp-56284	108	12	issue	issue	NOUN
elp-56284	108	13	and	and	CCONJ
elp-56284	108	14	has	have	VERB
elp-56284	108	15	nothing	nothing	PRON
elp-56284	108	16	to	to	PART
elp-56284	108	17	do	do	VERB
elp-56284	108	18	with	with	ADP
elp-56284	108	19	criminal	criminal	ADJ
elp-56284	108	20	property	property	NOUN
elp-56284	108	21	losses	loss	NOUN
elp-56284	108	22	.	.	PUNCT
elp-56284	109	1	in	in	ADP
elp-56284	109	2	addition	addition	NOUN
elp-56284	109	3	,	,	PUNCT
elp-56284	109	4	the	the	DET
elp-56284	109	5	validity	validity	NOUN
elp-56284	109	6	of	of	ADP
elp-56284	109	7	the	the	DET
elp-56284	109	8	contract	contract	NOUN
elp-56284	109	9	is	be	AUX
elp-56284	109	10	characterized	characterize	VERB
elp-56284	109	11	by	by	ADP
elp-56284	109	12	the	the	DET
elp-56284	109	13	criminal	criminal	ADJ
elp-56284	109	14	-	-	PUNCT
elp-56284	109	15	civilian	civilian	ADJ
elp-56284	109	16	cross	cross	ADJ
elp-56284	109	17	-	-	ADJ
elp-56284	109	18	influence	influence	ADJ
elp-56284	109	19	behavior	behavior	NOUN
elp-56284	109	20	.	.	PUNCT
elp-56284	110	1	if	if	SCONJ
elp-56284	110	2	the	the	DET
elp-56284	110	3	validity	validity	NOUN
elp-56284	110	4	of	of	ADP
elp-56284	110	5	the	the	DET
elp-56284	110	6	main	main	ADJ
elp-56284	110	7	contract	contract	NOUN
elp-56284	110	8	is	be	AUX
elp-56284	110	9	directly	directly	ADV
elp-56284	110	10	denied	deny	VERB
elp-56284	110	11	because	because	SCONJ
elp-56284	110	12	the	the	DET
elp-56284	110	13	borrower	borrower	NOUN
elp-56284	110	14	constitutes	constitute	VERB
elp-56284	110	15	a	a	DET
elp-56284	110	16	crime	crime	NOUN
elp-56284	110	17	,	,	PUNCT
elp-56284	110	18	the	the	DET
elp-56284	110	19	guarantee	guarantee	NOUN
elp-56284	110	20	contract	contract	NOUN
elp-56284	110	21	will	will	AUX
elp-56284	110	22	be	be	AUX
elp-56284	110	23	invalid	invalid	ADJ
elp-56284	110	24	,	,	PUNCT
elp-56284	110	25	and	and	CCONJ
elp-56284	110	26	the	the	DET
elp-56284	110	27	victim	victim	NOUN
elp-56284	110	28	status	status	NOUN
elp-56284	110	29	of	of	ADP
elp-56284	110	30	the	the	DET
elp-56284	110	31	guarantor	guarantor	NOUN
elp-56284	110	32	will	will	AUX
elp-56284	110	33	be	be	AUX
elp-56284	110	34	excluded	exclude	VERB
elp-56284	110	35	.	.	PUNCT
elp-56284	111	1	however	however	ADV
elp-56284	111	2	,	,	PUNCT
elp-56284	111	3	the	the	DET
elp-56284	111	4	validity	validity	NOUN
elp-56284	111	5	of	of	ADP
elp-56284	111	6	the	the	DET
elp-56284	111	7	main	main	ADJ
elp-56284	111	8	contract	contract	NOUN
elp-56284	111	9	should	should	AUX
elp-56284	111	10	be	be	AUX
elp-56284	111	11	judged	judge	VERB
elp-56284	111	12	independently	independently	ADV
elp-56284	111	13	:	:	PUNCT
elp-56284	111	14	as	as	ADV
elp-56284	111	15	long	long	ADV
elp-56284	111	16	as	as	SCONJ
elp-56284	111	17	it	it	PRON
elp-56284	111	18	does	do	AUX
elp-56284	111	19	not	not	PART
elp-56284	111	20	violate	violate	VERB
elp-56284	111	21	the	the	DET
elp-56284	111	22	mandatory	mandatory	ADJ
elp-56284	111	23	provisions	provision	NOUN
elp-56284	111	24	of	of	ADP
elp-56284	111	25	validity	validity	NOUN
elp-56284	111	26	or	or	CCONJ
elp-56284	111	27	public	public	ADJ
elp-56284	111	28	order	order	NOUN
elp-56284	111	29	and	and	CCONJ
elp-56284	111	30	good	good	ADJ
elp-56284	111	31	customs	custom	NOUN
elp-56284	111	32	,	,	PUNCT
elp-56284	111	33	criminal	criminal	ADJ
elp-56284	111	34	offences	offence	NOUN
elp-56284	111	35	do	do	AUX
elp-56284	111	36	not	not	PART
elp-56284	111	37	necessarily	necessarily	ADV
elp-56284	111	38	lead	lead	VERB
elp-56284	111	39	to	to	ADP
elp-56284	111	40	invalid	invalid	ADJ
elp-56284	111	41	contracts	contract	NOUN
elp-56284	111	42	.	.	PUNCT
elp-56284	112	1	as	as	ADP
elp-56284	112	2	a	a	DET
elp-56284	112	3	subordinate	subordinate	ADJ
elp-56284	112	4	contract	contract	NOUN
elp-56284	112	5	,	,	PUNCT
elp-56284	112	6	the	the	DET
elp-56284	112	7	validity	validity	NOUN
elp-56284	112	8	of	of	ADP
elp-56284	112	9	the	the	DET
elp-56284	112	10	guarantee	guarantee	NOUN
elp-56284	112	11	contract	contract	NOUN
elp-56284	112	12	depends	depend	VERB
elp-56284	112	13	on	on	ADP
elp-56284	112	14	the	the	DET
elp-56284	112	15	civil	civil	ADJ
elp-56284	112	16	evaluation	evaluation	NOUN
elp-56284	112	17	of	of	ADP
elp-56284	112	18	the	the	DET
elp-56284	112	19	main	main	ADJ
elp-56284	112	20	contract	contract	NOUN
elp-56284	112	21	rather	rather	ADV
elp-56284	112	22	than	than	ADP
elp-56284	112	23	the	the	DET
elp-56284	112	24	criminal	criminal	ADJ
elp-56284	112	25	characterization	characterization	NOUN
elp-56284	112	26	.	.	PUNCT
elp-56284	113	1	as	as	ADV
elp-56284	113	2	long	long	ADV
elp-56284	113	3	as	as	SCONJ
elp-56284	113	4	the	the	DET
elp-56284	113	5	main	main	ADJ
elp-56284	113	6	contract	contract	NOUN
elp-56284	113	7	is	be	AUX
elp-56284	113	8	valid	valid	ADJ
elp-56284	113	9	,	,	PUNCT
elp-56284	113	10	the	the	DET
elp-56284	113	11	guarantor	guarantor	NOUN
elp-56284	113	12	has	have	VERB
elp-56284	113	13	a	a	DET
elp-56284	113	14	compensatory	compensatory	ADJ
elp-56284	113	15	obligation	obligation	NOUN
elp-56284	113	16	,	,	PUNCT
elp-56284	113	17	and	and	CCONJ
elp-56284	113	18	the	the	DET
elp-56284	113	19	property	property	NOUN
elp-56284	113	20	risk	risk	NOUN
elp-56284	113	21	borne	bear	VERB
elp-56284	113	22	by	by	ADP
elp-56284	113	23	the	the	DET
elp-56284	113	24	guarantor	guarantor	NOUN
elp-56284	113	25	due	due	ADP
elp-56284	113	26	to	to	ADP
elp-56284	113	27	fraud	fraud	NOUN
elp-56284	113	28	exists	exist	VERB
elp-56284	113	29	independently	independently	ADV
elp-56284	113	30	,	,	PUNCT
elp-56284	113	31	which	which	PRON
elp-56284	113	32	does	do	AUX
elp-56284	113	33	not	not	PART
elp-56284	113	34	affect	affect	VERB
elp-56284	113	35	the	the	DET
elp-56284	113	36	criminal	criminal	ADJ
elp-56284	113	37	law	law	NOUN
elp-56284	113	38	’s	’s	PART
elp-56284	113	39	determination	determination	NOUN
elp-56284	113	40	of	of	ADP
elp-56284	113	41	the	the	DET
elp-56284	113	42	crime	crime	NOUN
elp-56284	113	43	of	of	ADP
elp-56284	113	44	contract	contract	NOUN
elp-56284	113	45	fraud	fraud	NOUN
elp-56284	113	46	.	.	PUNCT
elp-56284	114	1	the	the	DET
elp-56284	114	2	boundary	boundary	NOUN
elp-56284	114	3	between	between	ADP
elp-56284	114	4	criminal	criminal	ADJ
elp-56284	114	5	evaluation	evaluation	NOUN
elp-56284	114	6	and	and	CCONJ
elp-56284	114	7	contract	contract	NOUN
elp-56284	114	8	validity	validity	NOUN
elp-56284	114	9	judgment	judgment	NOUN
elp-56284	114	10	should	should	AUX
elp-56284	114	11	be	be	AUX
elp-56284	114	12	maintained	maintain	VERB
elp-56284	114	13	to	to	PART
elp-56284	114	14	avoid	avoid	VERB
elp-56284	114	15	replacing	replace	VERB
elp-56284	114	16	the	the	DET
elp-56284	114	17	independent	independent	ADJ
elp-56284	114	18	judgment	judgment	NOUN
elp-56284	114	19	of	of	ADP
elp-56284	114	20	legal	legal	ADJ
elp-56284	114	21	interest	interest	NOUN
elp-56284	114	22	infringement	infringement	NOUN
elp-56284	114	23	at	at	ADP
elp-56284	114	24	the	the	DET
elp-56284	114	25	time	time	NOUN
elp-56284	114	26	point	point	NOUN
elp-56284	114	27	of	of	ADP
elp-56284	114	28	behavior	behavior	NOUN
elp-56284	114	29	with	with	ADP
elp-56284	114	30	civil	civil	ADJ
elp-56284	114	31	results	result	NOUN
elp-56284	114	32	.	.	PUNCT
elp-56284	115	1	5	5	X
elp-56284	115	2	.	.	X
elp-56284	115	3	criminal	criminal	ADJ
elp-56284	115	4	law	law	NOUN
elp-56284	115	5	qualitative	qualitative	VERB
elp-56284	115	6	analysis	analysis	NOUN
elp-56284	115	7	of	of	ADP
elp-56284	115	8	borrowers	borrower	NOUN
elp-56284	115	9	’	'	PUNCT
elp-56284	115	10	double	double	ADJ
elp-56284	115	11	fraud	fraud	NOUN
elp-56284	115	12	of	of	ADP
elp-56284	115	13	guaranteed	guarantee	VERB
elp-56284	115	14	loans	loan	NOUN
elp-56284	115	15	5.1	5.1	NUM
elp-56284	115	16	double	double	ADJ
elp-56284	115	17	fraud	fraud	NOUN
elp-56284	115	18	committed	commit	VERB
elp-56284	115	19	for	for	ADP
elp-56284	115	20	the	the	DET
elp-56284	115	21	purpose	purpose	NOUN
elp-56284	115	22	of	of	ADP
elp-56284	115	23	illegal	illegal	ADJ
elp-56284	115	24	possession	possession	NOUN
elp-56284	115	25	as	as	SCONJ
elp-56284	115	26	pointed	point	VERB
elp-56284	115	27	out	out	ADP
elp-56284	115	28	in	in	ADP
elp-56284	115	29	the	the	DET
elp-56284	115	30	previous	previous	ADJ
elp-56284	115	31	analysis	analysis	NOUN
elp-56284	115	32	of	of	ADP
elp-56284	115	33	the	the	DET
elp-56284	115	34	nature	nature	NOUN
elp-56284	115	35	of	of	ADP
elp-56284	115	36	the	the	DET
elp-56284	115	37	guarantee	guarantee	NOUN
elp-56284	115	38	and	and	CCONJ
elp-56284	115	39	the	the	DET
elp-56284	115	40	loss	loss	NOUN
elp-56284	115	41	of	of	ADP
elp-56284	115	42	the	the	DET
elp-56284	115	43	victim	victim	NOUN
elp-56284	115	44	,	,	PUNCT
elp-56284	115	45	in	in	ADP
elp-56284	115	46	the	the	DET
elp-56284	115	47	case	case	NOUN
elp-56284	115	48	where	where	SCONJ
elp-56284	115	49	the	the	DET
elp-56284	115	50	actor	actor	NOUN
elp-56284	115	51	obtains	obtain	VERB
elp-56284	115	52	the	the	DET
elp-56284	115	53	loan	loan	NOUN
elp-56284	115	54	by	by	ADP
elp-56284	115	55	defrauding	defraud	VERB
elp-56284	115	56	the	the	DET
elp-56284	115	57	real	real	ADJ
elp-56284	115	58	guarantee	guarantee	NOUN
elp-56284	115	59	,	,	PUNCT
elp-56284	115	60	even	even	ADV
elp-56284	115	61	if	if	SCONJ
elp-56284	115	62	the	the	DET
elp-56284	115	63	guarantor	guarantor	NOUN
elp-56284	115	64	can	can	AUX
elp-56284	115	65	not	not	PART
elp-56284	115	66	pay	pay	VERB
elp-56284	115	67	off	off	ADP
elp-56284	115	68	the	the	DET
elp-56284	115	69	loan	loan	NOUN
elp-56284	115	70	in	in	ADP
elp-56284	115	71	full	full	ADJ
elp-56284	115	72	afterwards	afterward	NOUN
elp-56284	115	73	,	,	PUNCT
elp-56284	115	74	it	it	PRON
elp-56284	115	75	is	be	AUX
elp-56284	115	76	also	also	ADV
elp-56284	115	77	a	a	DET
elp-56284	115	78	normal	normal	ADJ
elp-56284	115	79	business	business	NOUN
elp-56284	115	80	risk	risk	NOUN
elp-56284	115	81	.	.	PUNCT
elp-56284	116	1	the	the	DET
elp-56284	116	2	creditor	creditor	NOUN
elp-56284	116	3	-	-	PUNCT
elp-56284	116	4	debtor	debtor	NOUN
elp-56284	116	5	relationship	relationship	NOUN
elp-56284	116	6	between	between	ADP
elp-56284	116	7	the	the	DET
elp-56284	116	8	bank	bank	NOUN
elp-56284	116	9	and	and	CCONJ
elp-56284	116	10	the	the	DET
elp-56284	116	11	guarantor	guarantor	NOUN
elp-56284	116	12	based	base	VERB
elp-56284	116	13	on	on	ADP
elp-56284	116	14	the	the	DET
elp-56284	116	15	guarantee	guarantee	NOUN
elp-56284	116	16	is	be	AUX
elp-56284	116	17	still	still	ADV
elp-56284	116	18	valid	valid	ADJ
elp-56284	116	19	,	,	PUNCT
elp-56284	116	20	and	and	CCONJ
elp-56284	116	21	the	the	DET
elp-56284	116	22	bank	bank	NOUN
elp-56284	116	23	has	have	AUX
elp-56284	116	24	not	not	PART
elp-56284	116	25	suffered	suffer	VERB
elp-56284	116	26	actual	actual	ADJ
elp-56284	116	27	losses	loss	NOUN
elp-56284	116	28	in	in	ADP
elp-56284	116	29	the	the	DET
elp-56284	116	30	sense	sense	NOUN
elp-56284	116	31	of	of	ADP
elp-56284	116	32	criminal	criminal	ADJ
elp-56284	116	33	law	law	NOUN
elp-56284	116	34	.	.	PUNCT
elp-56284	117	1	therefore	therefore	ADV
elp-56284	117	2	,	,	PUNCT
elp-56284	117	3	the	the	DET
elp-56284	117	4	behavior	behavior	NOUN
elp-56284	117	5	of	of	ADP
elp-56284	117	6	the	the	DET
elp-56284	117	7	perpetrator	perpetrator	NOUN
elp-56284	117	8	only	only	ADV
elp-56284	117	9	constitutes	constitute	VERB
elp-56284	117	10	the	the	DET
elp-56284	117	11	crime	crime	NOUN
elp-56284	117	12	of	of	ADP
elp-56284	117	13	contract	contract	NOUN
elp-56284	117	14	fraud	fraud	NOUN
elp-56284	117	15	,	,	PUNCT
elp-56284	117	16	the	the	DET
elp-56284	117	17	object	object	NOUN
elp-56284	117	18	of	of	ADP
elp-56284	117	19	infringement	infringement	NOUN
elp-56284	117	20	is	be	AUX
elp-56284	117	21	the	the	DET
elp-56284	117	22	guarantor	guarantor	NOUN
elp-56284	117	23	,	,	PUNCT
elp-56284	117	24	not	not	PART
elp-56284	117	25	the	the	DET
elp-56284	117	26	bank	bank	NOUN
elp-56284	117	27	,	,	PUNCT
elp-56284	117	28	should	should	AUX
elp-56284	117	29	not	not	PART
elp-56284	117	30	be	be	AUX
elp-56284	117	31	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	117	32	economics	economic	NOUN
elp-56284	117	33	,	,	PUNCT
elp-56284	117	34	law	law	NOUN
elp-56284	117	35	and	and	CCONJ
elp-56284	117	36	policy	policy	NOUN
elp-56284	117	37	vol	vol	NOUN
elp-56284	117	38	.	.	PROPN
elp-56284	118	1	8	8	NUM
elp-56284	118	2	,	,	PUNCT
elp-56284	118	3	no	no	INTJ
elp-56284	118	4	.	.	NOUN
elp-56284	118	5	2	2	NUM
elp-56284	118	6	,	,	PUNCT
elp-56284	118	7	2025	2025	NUM
elp-56284	118	8	121	121	NUM
elp-56284	118	9	published	publish	VERB
elp-56284	118	10	by	by	ADP
elp-56284	118	11	scholink	scholink	PROPN
elp-56284	118	12	inc	inc	PROPN
elp-56284	118	13	.	.	PROPN
elp-56284	118	14	identified	identify	VERB
elp-56284	118	15	as	as	ADP
elp-56284	118	16	the	the	DET
elp-56284	118	17	crime	crime	NOUN
elp-56284	118	18	of	of	ADP
elp-56284	118	19	loan	loan	NOUN
elp-56284	118	20	fraud	fraud	NOUN
elp-56284	118	21	.	.	PUNCT
elp-56284	119	1	for	for	ADP
elp-56284	119	2	the	the	DET
elp-56284	119	3	subsequent	subsequent	ADJ
elp-56284	119	4	possible	possible	ADJ
elp-56284	119	5	fraud	fraud	NOUN
elp-56284	119	6	of	of	ADP
elp-56284	119	7	the	the	DET
elp-56284	119	8	perpetrator	perpetrator	NOUN
elp-56284	119	9	,	,	PUNCT
elp-56284	119	10	the	the	DET
elp-56284	119	11	evaluation	evaluation	NOUN
elp-56284	119	12	should	should	AUX
elp-56284	119	13	be	be	AUX
elp-56284	119	14	limited	limit	VERB
elp-56284	119	15	to	to	ADP
elp-56284	119	16	the	the	DET
elp-56284	119	17	field	field	NOUN
elp-56284	119	18	of	of	ADP
elp-56284	119	19	civil	civil	ADJ
elp-56284	119	20	law	law	NOUN
elp-56284	119	21	,	,	PUNCT
elp-56284	119	22	and	and	CCONJ
elp-56284	119	23	should	should	AUX
elp-56284	119	24	not	not	PART
elp-56284	119	25	be	be	AUX
elp-56284	119	26	included	include	VERB
elp-56284	119	27	in	in	ADP
elp-56284	119	28	the	the	DET
elp-56284	119	29	scope	scope	NOUN
elp-56284	119	30	of	of	ADP
elp-56284	119	31	criminal	criminal	ADJ
elp-56284	119	32	law	law	NOUN
elp-56284	119	33	.	.	PUNCT
elp-56284	120	1	therefore	therefore	ADV
elp-56284	120	2	,	,	PUNCT
elp-56284	120	3	in	in	ADP
elp-56284	120	4	the	the	DET
elp-56284	120	5	case	case	NOUN
elp-56284	120	6	of	of	ADP
elp-56284	120	7	the	the	DET
elp-56284	120	8	perpetrator	perpetrator	NOUN
elp-56284	120	9	with	with	ADP
elp-56284	120	10	the	the	DET
elp-56284	120	11	purpose	purpose	NOUN
elp-56284	120	12	of	of	ADP
elp-56284	120	13	illegal	illegal	ADJ
elp-56284	120	14	possession	possession	NOUN
elp-56284	120	15	,	,	PUNCT
elp-56284	120	16	it	it	PRON
elp-56284	120	17	should	should	AUX
elp-56284	120	18	be	be	AUX
elp-56284	120	19	determined	determine	VERB
elp-56284	120	20	that	that	SCONJ
elp-56284	120	21	his	his	PRON
elp-56284	120	22	behavior	behavior	NOUN
elp-56284	120	23	constitutes	constitute	VERB
elp-56284	120	24	the	the	DET
elp-56284	120	25	crime	crime	NOUN
elp-56284	120	26	of	of	ADP
elp-56284	120	27	contract	contract	NOUN
elp-56284	120	28	fraud	fraud	NOUN
elp-56284	120	29	.	.	PUNCT
elp-56284	121	1	even	even	ADV
elp-56284	121	2	if	if	SCONJ
elp-56284	121	3	banks	bank	NOUN
elp-56284	121	4	and	and	CCONJ
elp-56284	121	5	other	other	ADJ
elp-56284	121	6	financial	financial	ADJ
elp-56284	121	7	institutions	institution	NOUN
elp-56284	121	8	eventually	eventually	ADV
elp-56284	121	9	suffer	suffer	VERB
elp-56284	121	10	losses	loss	NOUN
elp-56284	121	11	,	,	PUNCT
elp-56284	121	12	it	it	PRON
elp-56284	121	13	should	should	AUX
elp-56284	121	14	not	not	PART
elp-56284	121	15	be	be	AUX
elp-56284	121	16	determined	determine	VERB
elp-56284	121	17	that	that	SCONJ
elp-56284	121	18	the	the	DET
elp-56284	121	19	perpetrator	perpetrator	NOUN
elp-56284	121	20	constitutes	constitute	VERB
elp-56284	121	21	a	a	DET
elp-56284	121	22	crime	crime	NOUN
elp-56284	121	23	of	of	ADP
elp-56284	121	24	loan	loan	NOUN
elp-56284	121	25	fraud	fraud	NOUN
elp-56284	121	26	.	.	PUNCT
elp-56284	122	1	in	in	ADP
elp-56284	122	2	secured	secured	ADJ
elp-56284	122	3	loans	loan	NOUN
elp-56284	122	4	,	,	PUNCT
elp-56284	122	5	the	the	DET
elp-56284	122	6	core	core	NOUN
elp-56284	122	7	concern	concern	NOUN
elp-56284	122	8	of	of	ADP
elp-56284	122	9	the	the	DET
elp-56284	122	10	bank	bank	NOUN
elp-56284	122	11	is	be	AUX
elp-56284	122	12	the	the	DET
elp-56284	122	13	authenticity	authenticity	NOUN
elp-56284	122	14	and	and	CCONJ
elp-56284	122	15	effectiveness	effectiveness	NOUN
elp-56284	122	16	of	of	ADP
elp-56284	122	17	the	the	DET
elp-56284	122	18	guarantee	guarantee	NOUN
elp-56284	122	19	,	,	PUNCT
elp-56284	122	20	rather	rather	ADV
elp-56284	122	21	than	than	ADP
elp-56284	122	22	the	the	DET
elp-56284	122	23	borrower	borrower	NOUN
elp-56284	122	24	’s	’s	PART
elp-56284	122	25	own	own	ADJ
elp-56284	122	26	repayment	repayment	NOUN
elp-56284	122	27	ability	ability	NOUN
elp-56284	122	28	,	,	PUNCT
elp-56284	122	29	because	because	SCONJ
elp-56284	122	30	the	the	DET
elp-56284	122	31	legal	legal	ADJ
elp-56284	122	32	and	and	CCONJ
elp-56284	122	33	effective	effective	ADJ
elp-56284	122	34	guarantee	guarantee	NOUN
elp-56284	122	35	essentially	essentially	ADV
elp-56284	122	36	transfers	transfer	VERB
elp-56284	122	37	the	the	DET
elp-56284	122	38	repayment	repayment	NOUN
elp-56284	122	39	responsibility	responsibility	NOUN
elp-56284	122	40	to	to	ADP
elp-56284	122	41	the	the	DET
elp-56284	122	42	guarantor	guarantor	NOUN
elp-56284	122	43	.	.	PUNCT
elp-56284	123	1	even	even	ADV
elp-56284	123	2	if	if	SCONJ
elp-56284	123	3	the	the	DET
elp-56284	123	4	borrower	borrower	NOUN
elp-56284	123	5	obtains	obtain	VERB
elp-56284	123	6	the	the	DET
elp-56284	123	7	guarantee	guarantee	NOUN
elp-56284	123	8	by	by	ADP
elp-56284	123	9	deception	deception	NOUN
elp-56284	123	10	,	,	PUNCT
elp-56284	123	11	as	as	ADV
elp-56284	123	12	long	long	ADV
elp-56284	123	13	as	as	SCONJ
elp-56284	123	14	the	the	DET
elp-56284	123	15	guarantee	guarantee	NOUN
elp-56284	123	16	is	be	AUX
elp-56284	123	17	verified	verify	VERB
elp-56284	123	18	to	to	PART
elp-56284	123	19	be	be	AUX
elp-56284	123	20	true	true	ADJ
elp-56284	123	21	by	by	ADP
elp-56284	123	22	the	the	DET
elp-56284	123	23	bank	bank	NOUN
elp-56284	123	24	’s	’s	PART
elp-56284	123	25	review	review	NOUN
elp-56284	123	26	,	,	PUNCT
elp-56284	123	27	the	the	DET
elp-56284	123	28	bank	bank	NOUN
elp-56284	123	29	recognizes	recognize	VERB
elp-56284	123	30	the	the	DET
elp-56284	123	31	value	value	NOUN
elp-56284	123	32	and	and	CCONJ
elp-56284	123	33	effectiveness	effectiveness	NOUN
elp-56284	123	34	of	of	ADP
elp-56284	123	35	the	the	DET
elp-56284	123	36	guarantee	guarantee	NOUN
elp-56284	123	37	based	base	VERB
elp-56284	123	38	on	on	ADP
elp-56284	123	39	its	its	PRON
elp-56284	123	40	own	own	ADJ
elp-56284	123	41	risk	risk	NOUN
elp-56284	123	42	control	control	NOUN
elp-56284	123	43	standards	standard	NOUN
elp-56284	123	44	.	.	PUNCT
elp-56284	124	1	at	at	ADP
elp-56284	124	2	this	this	DET
elp-56284	124	3	time	time	NOUN
elp-56284	124	4	,	,	PUNCT
elp-56284	124	5	the	the	DET
elp-56284	124	6	borrower	borrower	NOUN
elp-56284	124	7	’s	’s	PART
elp-56284	124	8	behavior	behavior	NOUN
elp-56284	124	9	only	only	ADV
elp-56284	124	10	constitutes	constitute	VERB
elp-56284	124	11	civil	civil	ADJ
elp-56284	124	12	-	-	PUNCT
elp-56284	124	13	level	level	NOUN
elp-56284	124	14	fraud	fraud	NOUN
elp-56284	124	15	and	and	CCONJ
elp-56284	124	16	does	do	AUX
elp-56284	124	17	not	not	PART
elp-56284	124	18	fall	fall	VERB
elp-56284	124	19	into	into	ADP
elp-56284	124	20	the	the	DET
elp-56284	124	21	category	category	NOUN
elp-56284	124	22	of	of	ADP
elp-56284	124	23	criminal	criminal	ADJ
elp-56284	124	24	fraud	fraud	NOUN
elp-56284	124	25	.	.	PUNCT
elp-56284	125	1	the	the	DET
elp-56284	125	2	reason	reason	NOUN
elp-56284	125	3	is	be	AUX
elp-56284	125	4	that	that	SCONJ
elp-56284	125	5	the	the	DET
elp-56284	125	6	bank	bank	NOUN
elp-56284	125	7	has	have	AUX
elp-56284	125	8	obtained	obtain	VERB
elp-56284	125	9	the	the	DET
elp-56284	125	10	property	property	NOUN
elp-56284	125	11	rights	right	NOUN
elp-56284	125	12	corresponding	correspond	VERB
elp-56284	125	13	to	to	ADP
elp-56284	125	14	the	the	DET
elp-56284	125	15	loan	loan	NOUN
elp-56284	125	16	amount	amount	NOUN
elp-56284	125	17	by	by	ADP
elp-56284	125	18	accepting	accept	VERB
elp-56284	125	19	the	the	DET
elp-56284	125	20	real	real	ADJ
elp-56284	125	21	guarantee	guarantee	NOUN
elp-56284	125	22	,	,	PUNCT
elp-56284	125	23	and	and	CCONJ
elp-56284	125	24	its	its	PRON
elp-56284	125	25	creditor	creditor	NOUN
elp-56284	125	26	’s	’s	PART
elp-56284	125	27	rights	right	NOUN
elp-56284	125	28	have	have	AUX
elp-56284	125	29	not	not	PART
elp-56284	125	30	suffered	suffer	VERB
elp-56284	125	31	substantial	substantial	ADJ
elp-56284	125	32	losses	loss	NOUN
elp-56284	125	33	due	due	ADP
elp-56284	125	34	to	to	ADP
elp-56284	125	35	the	the	DET
elp-56284	125	36	borrower	borrower	NOUN
elp-56284	125	37	’s	’s	PART
elp-56284	125	38	deception	deception	NOUN
elp-56284	125	39	.	.	PUNCT
elp-56284	126	1	as	as	ADP
elp-56284	126	2	for	for	ADP
elp-56284	126	3	whether	whether	SCONJ
elp-56284	126	4	the	the	DET
elp-56284	126	5	guarantor	guarantor	NOUN
elp-56284	126	6	provides	provide	VERB
elp-56284	126	7	a	a	DET
elp-56284	126	8	guarantee	guarantee	NOUN
elp-56284	126	9	due	due	ADP
elp-56284	126	10	to	to	ADP
elp-56284	126	11	fraud	fraud	VERB
elp-56284	126	12	,	,	PUNCT
elp-56284	126	13	it	it	PRON
elp-56284	126	14	belongs	belong	VERB
elp-56284	126	15	to	to	ADP
elp-56284	126	16	the	the	DET
elp-56284	126	17	civil	civil	ADJ
elp-56284	126	18	legal	legal	ADJ
elp-56284	126	19	relationship	relationship	NOUN
elp-56284	126	20	between	between	ADP
elp-56284	126	21	the	the	DET
elp-56284	126	22	guarantor	guarantor	NOUN
elp-56284	126	23	and	and	CCONJ
elp-56284	126	24	the	the	DET
elp-56284	126	25	borrower	borrower	NOUN
elp-56284	126	26	,	,	PUNCT
elp-56284	126	27	and	and	CCONJ
elp-56284	126	28	is	be	AUX
elp-56284	126	29	not	not	PART
elp-56284	126	30	the	the	DET
elp-56284	126	31	scope	scope	NOUN
elp-56284	126	32	of	of	ADP
elp-56284	126	33	the	the	DET
elp-56284	126	34	bank	bank	NOUN
elp-56284	126	35	’s	’s	PART
elp-56284	126	36	need	need	NOUN
elp-56284	126	37	to	to	PART
elp-56284	126	38	determine	determine	VERB
elp-56284	126	39	or	or	CCONJ
elp-56284	126	40	assume	assume	VERB
elp-56284	126	41	responsibility	responsibility	NOUN
elp-56284	126	42	in	in	ADP
elp-56284	126	43	the	the	DET
elp-56284	126	44	loan	loan	NOUN
elp-56284	126	45	review	review	NOUN
elp-56284	126	46	.	.	PUNCT
elp-56284	127	1	therefore	therefore	ADV
elp-56284	127	2	,	,	PUNCT
elp-56284	127	3	under	under	ADP
elp-56284	127	4	the	the	DET
elp-56284	127	5	premise	premise	NOUN
elp-56284	127	6	that	that	SCONJ
elp-56284	127	7	the	the	DET
elp-56284	127	8	authenticity	authenticity	NOUN
elp-56284	127	9	of	of	ADP
elp-56284	127	10	the	the	DET
elp-56284	127	11	guarantee	guarantee	NOUN
elp-56284	127	12	is	be	AUX
elp-56284	127	13	flawless	flawless	ADJ
elp-56284	127	14	,	,	PUNCT
elp-56284	127	15	even	even	ADV
elp-56284	127	16	if	if	SCONJ
elp-56284	127	17	there	there	PRON
elp-56284	127	18	is	be	VERB
elp-56284	127	19	a	a	DET
elp-56284	127	20	case	case	NOUN
elp-56284	127	21	of	of	ADP
elp-56284	127	22	fraudulent	fraudulent	ADJ
elp-56284	127	23	guarantee	guarantee	NOUN
elp-56284	127	24	,	,	PUNCT
elp-56284	127	25	the	the	DET
elp-56284	127	26	act	act	NOUN
elp-56284	127	27	is	be	AUX
elp-56284	127	28	still	still	ADV
elp-56284	127	29	outside	outside	ADP
elp-56284	127	30	the	the	DET
elp-56284	127	31	legal	legal	ADJ
elp-56284	127	32	regulation	regulation	NOUN
elp-56284	127	33	boundary	boundary	ADJ
elp-56284	127	34	of	of	ADP
elp-56284	127	35	the	the	DET
elp-56284	127	36	crime	crime	NOUN
elp-56284	127	37	of	of	ADP
elp-56284	127	38	loan	loan	NOUN
elp-56284	127	39	fraud	fraud	NOUN
elp-56284	127	40	and	and	CCONJ
elp-56284	127	41	should	should	AUX
elp-56284	127	42	be	be	AUX
elp-56284	127	43	adjusted	adjust	VERB
elp-56284	127	44	by	by	ADP
elp-56284	127	45	civil	civil	ADJ
elp-56284	127	46	law	law	NOUN
elp-56284	127	47	.	.	PUNCT
elp-56284	128	1	the	the	DET
elp-56284	128	2	act	act	NOUN
elp-56284	128	3	of	of	ADP
elp-56284	128	4	issuing	issue	VERB
elp-56284	128	5	loans	loan	NOUN
elp-56284	128	6	by	by	ADP
elp-56284	128	7	banks	bank	NOUN
elp-56284	128	8	does	do	AUX
elp-56284	128	9	not	not	PART
elp-56284	128	10	conform	conform	VERB
elp-56284	128	11	to	to	ADP
elp-56284	128	12	the	the	DET
elp-56284	128	13	disposition	disposition	NOUN
elp-56284	128	14	of	of	ADP
elp-56284	128	15	property	property	NOUN
elp-56284	128	16	based	base	VERB
elp-56284	128	17	on	on	ADP
elp-56284	128	18	wrong	wrong	ADJ
elp-56284	128	19	understanding	understanding	NOUN
elp-56284	128	20	in	in	ADP
elp-56284	128	21	the	the	DET
elp-56284	128	22	crime	crime	NOUN
elp-56284	128	23	of	of	ADP
elp-56284	128	24	fraud	fraud	NOUN
elp-56284	128	25	.	.	PUNCT
elp-56284	129	1	the	the	DET
elp-56284	129	2	establishment	establishment	NOUN
elp-56284	129	3	of	of	ADP
elp-56284	129	4	the	the	DET
elp-56284	129	5	crime	crime	NOUN
elp-56284	129	6	of	of	ADP
elp-56284	129	7	fraud	fraud	NOUN
elp-56284	129	8	must	must	AUX
elp-56284	129	9	be	be	AUX
elp-56284	129	10	based	base	VERB
elp-56284	129	11	on	on	ADP
elp-56284	129	12	the	the	DET
elp-56284	129	13	premise	premise	NOUN
elp-56284	129	14	that	that	SCONJ
elp-56284	129	15	the	the	DET
elp-56284	129	16	perpetrator	perpetrator	NOUN
elp-56284	129	17	causes	cause	VERB
elp-56284	129	18	the	the	DET
elp-56284	129	19	victim	victim	NOUN
elp-56284	129	20	to	to	PART
elp-56284	129	21	fall	fall	VERB
elp-56284	129	22	into	into	ADP
elp-56284	129	23	a	a	DET
elp-56284	129	24	wrong	wrong	ADJ
elp-56284	129	25	understanding	understanding	NOUN
elp-56284	129	26	through	through	ADP
elp-56284	129	27	deception	deception	NOUN
elp-56284	129	28	and	and	CCONJ
elp-56284	129	29	disposes	dispose	NOUN
elp-56284	129	30	of	of	ADP
elp-56284	129	31	the	the	DET
elp-56284	129	32	property	property	NOUN
elp-56284	129	33	based	base	VERB
elp-56284	129	34	on	on	ADP
elp-56284	129	35	the	the	DET
elp-56284	129	36	wrong	wrong	ADJ
elp-56284	129	37	understanding	understanding	NOUN
elp-56284	129	38	.	.	PUNCT
elp-56284	130	1	however	however	ADV
elp-56284	130	2	,	,	PUNCT
elp-56284	130	3	in	in	ADP
elp-56284	130	4	the	the	DET
elp-56284	130	5	secured	secure	VERB
elp-56284	130	6	loan	loan	NOUN
elp-56284	130	7	scenario	scenario	NOUN
elp-56284	130	8	,	,	PUNCT
elp-56284	130	9	the	the	DET
elp-56284	130	10	core	core	NOUN
elp-56284	130	11	decision	decision	NOUN
elp-56284	130	12	-	-	PUNCT
elp-56284	130	13	making	make	VERB
elp-56284	130	14	basis	basis	NOUN
elp-56284	130	15	for	for	SCONJ
elp-56284	130	16	banks	bank	NOUN
elp-56284	130	17	to	to	PART
elp-56284	130	18	issue	issue	VERB
elp-56284	130	19	loans	loan	NOUN
elp-56284	130	20	is	be	AUX
elp-56284	130	21	not	not	PART
elp-56284	130	22	derived	derive	VERB
elp-56284	130	23	from	from	ADP
elp-56284	130	24	the	the	DET
elp-56284	130	25	substantive	substantive	ADJ
elp-56284	130	26	trust	trust	NOUN
elp-56284	130	27	in	in	ADP
elp-56284	130	28	the	the	DET
elp-56284	130	29	borrower	borrower	NOUN
elp-56284	130	30	’s	’s	PART
elp-56284	130	31	application	application	NOUN
elp-56284	130	32	materials	material	NOUN
elp-56284	130	33	,	,	PUNCT
elp-56284	130	34	but	but	CCONJ
elp-56284	130	35	from	from	ADP
elp-56284	130	36	the	the	DET
elp-56284	130	37	professional	professional	ADJ
elp-56284	130	38	evaluation	evaluation	NOUN
elp-56284	130	39	of	of	ADP
elp-56284	130	40	the	the	DET
elp-56284	130	41	authenticity	authenticity	NOUN
elp-56284	130	42	and	and	CCONJ
elp-56284	130	43	adequacy	adequacy	NOUN
elp-56284	130	44	of	of	ADP
elp-56284	130	45	the	the	DET
elp-56284	130	46	guarantee	guarantee	NOUN
elp-56284	130	47	measures	measure	NOUN
elp-56284	130	48	.	.	PUNCT
elp-56284	131	1	even	even	ADV
elp-56284	131	2	if	if	SCONJ
elp-56284	131	3	the	the	DET
elp-56284	131	4	borrower	borrower	NOUN
elp-56284	131	5	has	have	VERB
elp-56284	131	6	fraudulent	fraudulent	ADJ
elp-56284	131	7	behaviors	behavior	NOUN
elp-56284	131	8	such	such	ADJ
elp-56284	131	9	as	as	ADP
elp-56284	131	10	fabricating	fabricate	VERB
elp-56284	131	11	false	false	ADJ
elp-56284	131	12	materials	material	NOUN
elp-56284	131	13	and	and	CCONJ
elp-56284	131	14	fictitious	fictitious	ADJ
elp-56284	131	15	loan	loan	NOUN
elp-56284	131	16	uses	use	NOUN
elp-56284	131	17	,	,	PUNCT
elp-56284	131	18	as	as	ADV
elp-56284	131	19	long	long	ADV
elp-56284	131	20	as	as	SCONJ
elp-56284	131	21	it	it	PRON
elp-56284	131	22	provides	provide	VERB
elp-56284	131	23	a	a	DET
elp-56284	131	24	real	real	ADJ
elp-56284	131	25	and	and	CCONJ
elp-56284	131	26	effective	effective	ADJ
elp-56284	131	27	guarantee	guarantee	NOUN
elp-56284	131	28	recognized	recognize	VERB
elp-56284	131	29	by	by	ADP
elp-56284	131	30	the	the	DET
elp-56284	131	31	bank	bank	NOUN
elp-56284	131	32	,	,	PUNCT
elp-56284	131	33	the	the	DET
elp-56284	131	34	bank	bank	NOUN
elp-56284	131	35	’s	’s	PART
elp-56284	131	36	lending	lending	NOUN
elp-56284	131	37	decision	decision	NOUN
elp-56284	131	38	is	be	AUX
elp-56284	131	39	essentially	essentially	ADV
elp-56284	131	40	a	a	DET
elp-56284	131	41	business	business	NOUN
elp-56284	131	42	judgment	judgment	NOUN
elp-56284	131	43	centered	center	VERB
elp-56284	131	44	on	on	ADP
elp-56284	131	45	the	the	DET
elp-56284	131	46	risk	risk	NOUN
elp-56284	131	47	coverage	coverage	NOUN
elp-56284	131	48	ability	ability	NOUN
elp-56284	131	49	of	of	ADP
elp-56284	131	50	the	the	DET
elp-56284	131	51	encumbered	encumbered	ADJ
elp-56284	131	52	assets	asset	NOUN
elp-56284	131	53	,	,	PUNCT
elp-56284	131	54	rather	rather	ADV
elp-56284	131	55	than	than	ADP
elp-56284	131	56	the	the	DET
elp-56284	131	57	property	property	NOUN
elp-56284	131	58	disposition	disposition	NOUN
elp-56284	131	59	after	after	ADP
elp-56284	131	60	the	the	DET
elp-56284	131	61	wrong	wrong	ADJ
elp-56284	131	62	understanding	understanding	NOUN
elp-56284	131	63	due	due	ADP
elp-56284	131	64	to	to	ADP
elp-56284	131	65	deception	deception	NOUN
elp-56284	131	66	(	(	PUNCT
elp-56284	131	67	chen	chen	PROPN
elp-56284	131	68	,	,	PUNCT
elp-56284	131	69	x.	x.	PROPN
elp-56284	131	70	l.	l.	PROPN
elp-56284	131	71	,	,	PUNCT
elp-56284	131	72	2016	2016	NUM
elp-56284	131	73	,	,	PUNCT
elp-56284	131	74	pp	pp	ADJ
elp-56284	131	75	.	.	PUNCT
elp-56284	132	1	39	39	NUM
elp-56284	132	2	-	-	SYM
elp-56284	132	3	51	51	NUM
elp-56284	132	4	)	)	PUNCT
elp-56284	132	5	.	.	PUNCT
elp-56284	133	1	at	at	ADP
elp-56284	133	2	this	this	DET
elp-56284	133	3	time	time	NOUN
elp-56284	133	4	,	,	PUNCT
elp-56284	133	5	the	the	DET
elp-56284	133	6	fraud	fraud	NOUN
elp-56284	133	7	of	of	ADP
elp-56284	133	8	the	the	DET
elp-56284	133	9	borrower	borrower	NOUN
elp-56284	133	10	’s	’s	PART
elp-56284	133	11	forged	forge	VERB
elp-56284	133	12	materials	material	NOUN
elp-56284	133	13	is	be	AUX
elp-56284	133	14	only	only	ADV
elp-56284	133	15	an	an	DET
elp-56284	133	16	instrumental	instrumental	ADJ
elp-56284	133	17	means	mean	NOUN
elp-56284	133	18	to	to	PART
elp-56284	133	19	meet	meet	VERB
elp-56284	133	20	the	the	DET
elp-56284	133	21	requirements	requirement	NOUN
elp-56284	133	22	of	of	ADP
elp-56284	133	23	the	the	DET
elp-56284	133	24	bank	bank	NOUN
elp-56284	133	25	’s	’s	PART
elp-56284	133	26	formal	formal	ADJ
elp-56284	133	27	review	review	NOUN
elp-56284	133	28	.	.	PUNCT
elp-56284	134	1	these	these	DET
elp-56284	134	2	frauds	fraud	NOUN
elp-56284	134	3	do	do	AUX
elp-56284	134	4	not	not	PART
elp-56284	134	5	touch	touch	VERB
elp-56284	134	6	the	the	DET
elp-56284	134	7	core	core	NOUN
elp-56284	134	8	conditions	condition	NOUN
elp-56284	134	9	for	for	SCONJ
elp-56284	134	10	the	the	DET
elp-56284	134	11	bank	bank	NOUN
elp-56284	134	12	to	to	PART
elp-56284	134	13	decide	decide	VERB
elp-56284	134	14	whether	whether	SCONJ
elp-56284	134	15	to	to	PART
elp-56284	134	16	lend	lend	VERB
elp-56284	134	17	.	.	PUNCT
elp-56284	135	1	the	the	DET
elp-56284	135	2	bank	bank	NOUN
elp-56284	135	3	’s	’s	PART
elp-56284	135	4	lending	lending	NOUN
elp-56284	135	5	behavior	behavior	NOUN
elp-56284	135	6	is	be	AUX
elp-56284	135	7	a	a	DET
elp-56284	135	8	commercial	commercial	ADJ
elp-56284	135	9	behavior	behavior	NOUN
elp-56284	135	10	based	base	VERB
elp-56284	135	11	on	on	ADP
elp-56284	135	12	the	the	DET
elp-56284	135	13	balance	balance	NOUN
elp-56284	135	14	of	of	ADP
elp-56284	135	15	risk	risk	NOUN
elp-56284	135	16	and	and	CCONJ
elp-56284	135	17	income	income	NOUN
elp-56284	135	18	,	,	PUNCT
elp-56284	135	19	rather	rather	ADV
elp-56284	135	20	than	than	ADP
elp-56284	135	21	the	the	DET
elp-56284	135	22	“	"	PUNCT
elp-56284	135	23	misconception	misconception	NOUN
elp-56284	135	24	-	-	PUNCT
elp-56284	135	25	property	property	NOUN
elp-56284	135	26	disposition	disposition	NOUN
elp-56284	135	27	”	"	PUNCT
elp-56284	135	28	causality	causality	NOUN
elp-56284	135	29	in	in	ADP
elp-56284	135	30	the	the	DET
elp-56284	135	31	fraud	fraud	NOUN
elp-56284	135	32	crime	crime	NOUN
elp-56284	135	33	.	.	PUNCT
elp-56284	136	1	therefore	therefore	ADV
elp-56284	136	2	,	,	PUNCT
elp-56284	136	3	under	under	ADP
elp-56284	136	4	the	the	DET
elp-56284	136	5	premise	premise	NOUN
elp-56284	136	6	of	of	ADP
elp-56284	136	7	the	the	DET
elp-56284	136	8	authenticity	authenticity	NOUN
elp-56284	136	9	of	of	ADP
elp-56284	136	10	the	the	DET
elp-56284	136	11	guarantee	guarantee	NOUN
elp-56284	136	12	,	,	PUNCT
elp-56284	136	13	even	even	ADV
elp-56284	136	14	if	if	SCONJ
elp-56284	136	15	there	there	PRON
elp-56284	136	16	is	be	VERB
elp-56284	136	17	fraud	fraud	NOUN
elp-56284	136	18	in	in	ADP
elp-56284	136	19	the	the	DET
elp-56284	136	20	loan	loan	NOUN
elp-56284	136	21	declaration	declaration	NOUN
elp-56284	136	22	link	link	PROPN
elp-56284	136	23	,	,	PUNCT
elp-56284	136	24	the	the	DET
elp-56284	136	25	act	act	NOUN
elp-56284	136	26	does	do	AUX
elp-56284	136	27	not	not	PART
elp-56284	136	28	constitute	constitute	VERB
elp-56284	136	29	the	the	DET
elp-56284	136	30	crime	crime	NOUN
elp-56284	136	31	of	of	ADP
elp-56284	136	32	loan	loan	NOUN
elp-56284	136	33	fraud	fraud	NOUN
elp-56284	136	34	due	due	ADP
elp-56284	136	35	to	to	ADP
elp-56284	136	36	the	the	DET
elp-56284	136	37	lack	lack	NOUN
elp-56284	136	38	of	of	ADP
elp-56284	136	39	the	the	DET
elp-56284	136	40	core	core	NOUN
elp-56284	136	41	causal	causal	ADJ
elp-56284	136	42	relationship	relationship	NOUN
elp-56284	136	43	in	in	ADP
elp-56284	136	44	the	the	DET
elp-56284	136	45	constitutive	constitutive	ADJ
elp-56284	136	46	elements	element	NOUN
elp-56284	136	47	of	of	ADP
elp-56284	136	48	the	the	DET
elp-56284	136	49	crime	crime	NOUN
elp-56284	136	50	of	of	ADP
elp-56284	136	51	fraud	fraud	NOUN
elp-56284	136	52	.	.	PUNCT
elp-56284	137	1	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	137	2	economics	economic	NOUN
elp-56284	137	3	,	,	PUNCT
elp-56284	137	4	law	law	NOUN
elp-56284	137	5	and	and	CCONJ
elp-56284	137	6	policy	policy	NOUN
elp-56284	137	7	vol	vol	NOUN
elp-56284	137	8	.	.	PROPN
elp-56284	137	9	8	8	NUM
elp-56284	137	10	,	,	PUNCT
elp-56284	137	11	no	no	INTJ
elp-56284	137	12	.	.	NOUN
elp-56284	137	13	2	2	NUM
elp-56284	137	14	,	,	PUNCT
elp-56284	137	15	2025	2025	NUM
elp-56284	137	16	122	122	NUM
elp-56284	137	17	published	publish	VERB
elp-56284	137	18	by	by	ADP
elp-56284	137	19	scholink	scholink	PROPN
elp-56284	137	20	inc	inc	PROPN
elp-56284	137	21	.	.	PROPN
elp-56284	138	1	when	when	SCONJ
elp-56284	138	2	the	the	DET
elp-56284	138	3	borrower	borrower	NOUN
elp-56284	138	4	,	,	PUNCT
elp-56284	138	5	for	for	ADP
elp-56284	138	6	the	the	DET
elp-56284	138	7	purpose	purpose	NOUN
elp-56284	138	8	of	of	ADP
elp-56284	138	9	illegal	illegal	ADJ
elp-56284	138	10	possession	possession	NOUN
elp-56284	138	11	,	,	PUNCT
elp-56284	138	12	induces	induce	VERB
elp-56284	138	13	the	the	DET
elp-56284	138	14	guarantor	guarantor	NOUN
elp-56284	138	15	to	to	PART
elp-56284	138	16	provide	provide	VERB
elp-56284	138	17	real	real	ADJ
elp-56284	138	18	and	and	CCONJ
elp-56284	138	19	effective	effective	ADJ
elp-56284	138	20	guarantee	guarantee	NOUN
elp-56284	138	21	by	by	ADP
elp-56284	138	22	means	mean	NOUN
elp-56284	138	23	of	of	ADP
elp-56284	138	24	fabricating	fabricate	VERB
elp-56284	138	25	facts	fact	NOUN
elp-56284	138	26	or	or	CCONJ
elp-56284	138	27	concealing	conceal	VERB
elp-56284	138	28	the	the	DET
elp-56284	138	29	truth	truth	NOUN
elp-56284	138	30	,	,	PUNCT
elp-56284	138	31	and	and	CCONJ
elp-56284	138	32	thus	thus	ADV
elp-56284	138	33	obtains	obtain	VERB
elp-56284	138	34	bank	bank	NOUN
elp-56284	138	35	loans	loan	NOUN
elp-56284	138	36	,	,	PUNCT
elp-56284	138	37	his	his	PRON
elp-56284	138	38	behavior	behavior	NOUN
elp-56284	138	39	constitutes	constitute	VERB
elp-56284	138	40	the	the	DET
elp-56284	138	41	accomplished	accomplished	ADJ
elp-56284	138	42	form	form	NOUN
elp-56284	138	43	of	of	ADP
elp-56284	138	44	the	the	DET
elp-56284	138	45	crime	crime	NOUN
elp-56284	138	46	of	of	ADP
elp-56284	138	47	contract	contract	NOUN
elp-56284	138	48	fraud	fraud	NOUN
elp-56284	138	49	,	,	PUNCT
elp-56284	138	50	and	and	CCONJ
elp-56284	138	51	should	should	AUX
elp-56284	138	52	be	be	AUX
elp-56284	138	53	separately	separately	ADV
elp-56284	138	54	convicted	convict	VERB
elp-56284	138	55	of	of	ADP
elp-56284	138	56	the	the	DET
elp-56284	138	57	crime	crime	NOUN
elp-56284	138	58	.	.	PUNCT
elp-56284	139	1	specifically	specifically	ADV
elp-56284	139	2	,	,	PUNCT
elp-56284	139	3	the	the	DET
elp-56284	139	4	key	key	ADJ
elp-56284	139	5	node	node	NOUN
elp-56284	139	6	of	of	ADP
elp-56284	139	7	crime	crime	NOUN
elp-56284	139	8	accomplishment	accomplishment	NOUN
elp-56284	139	9	occurs	occur	VERB
elp-56284	139	10	when	when	SCONJ
elp-56284	139	11	the	the	DET
elp-56284	139	12	guarantor	guarantor	NOUN
elp-56284	139	13	signs	sign	VERB
elp-56284	139	14	a	a	DET
elp-56284	139	15	guarantee	guarantee	NOUN
elp-56284	139	16	contract	contract	NOUN
elp-56284	139	17	due	due	ADP
elp-56284	139	18	to	to	ADP
elp-56284	139	19	deception	deception	NOUN
elp-56284	139	20	.	.	PUNCT
elp-56284	140	1	although	although	SCONJ
elp-56284	140	2	the	the	DET
elp-56284	140	3	borrower	borrower	NOUN
elp-56284	140	4	finally	finally	ADV
elp-56284	140	5	obtains	obtain	VERB
elp-56284	140	6	the	the	DET
elp-56284	140	7	loan	loan	NOUN
elp-56284	140	8	funds	fund	NOUN
elp-56284	140	9	through	through	ADP
elp-56284	140	10	the	the	DET
elp-56284	140	11	bank	bank	NOUN
elp-56284	140	12	,	,	PUNCT
elp-56284	140	13	the	the	DET
elp-56284	140	14	actual	actual	ADJ
elp-56284	140	15	repayment	repayment	NOUN
elp-56284	140	16	responsibility	responsibility	NOUN
elp-56284	140	17	of	of	ADP
elp-56284	140	18	the	the	DET
elp-56284	140	19	funds	fund	NOUN
elp-56284	140	20	has	have	AUX
elp-56284	140	21	been	be	AUX
elp-56284	140	22	transferred	transfer	VERB
elp-56284	140	23	to	to	ADP
elp-56284	140	24	the	the	DET
elp-56284	140	25	guarantor	guarantor	NOUN
elp-56284	140	26	.	.	PUNCT
elp-56284	141	1	in	in	ADP
elp-56284	141	2	essence	essence	NOUN
elp-56284	141	3	,	,	PUNCT
elp-56284	141	4	the	the	DET
elp-56284	141	5	guarantor	guarantor	NOUN
elp-56284	141	6	’s	’s	PART
elp-56284	141	7	property	property	NOUN
elp-56284	141	8	rights	right	NOUN
elp-56284	141	9	and	and	CCONJ
elp-56284	141	10	interests	interest	NOUN
elp-56284	141	11	are	be	AUX
elp-56284	141	12	the	the	DET
elp-56284	141	13	object	object	NOUN
elp-56284	141	14	of	of	ADP
elp-56284	141	15	infringement	infringement	NOUN
elp-56284	141	16	.	.	PUNCT
elp-56284	142	1	the	the	DET
elp-56284	142	2	bank	bank	NOUN
elp-56284	142	3	can	can	AUX
elp-56284	142	4	be	be	AUX
elp-56284	142	5	regarded	regard	VERB
elp-56284	142	6	as	as	ADP
elp-56284	142	7	a	a	DET
elp-56284	142	8	criminal	criminal	ADJ
elp-56284	142	9	tool	tool	NOUN
elp-56284	142	10	for	for	SCONJ
elp-56284	142	11	the	the	DET
elp-56284	142	12	actor	actor	NOUN
elp-56284	142	13	to	to	PART
elp-56284	142	14	achieve	achieve	VERB
elp-56284	142	15	the	the	DET
elp-56284	142	16	purpose	purpose	NOUN
elp-56284	142	17	.	.	PUNCT
elp-56284	143	1	by	by	ADP
elp-56284	143	2	transforming	transform	VERB
elp-56284	143	3	the	the	DET
elp-56284	143	4	security	security	NOUN
elp-56284	143	5	interest	interest	NOUN
elp-56284	143	6	provided	provide	VERB
elp-56284	143	7	by	by	ADP
elp-56284	143	8	the	the	DET
elp-56284	143	9	guarantor	guarantor	NOUN
elp-56284	143	10	into	into	ADP
elp-56284	143	11	loan	loan	NOUN
elp-56284	143	12	funds	fund	NOUN
elp-56284	143	13	and	and	CCONJ
elp-56284	143	14	delivering	deliver	VERB
elp-56284	143	15	them	they	PRON
elp-56284	143	16	to	to	ADP
elp-56284	143	17	the	the	DET
elp-56284	143	18	borrower	borrower	NOUN
elp-56284	143	19	,	,	PUNCT
elp-56284	143	20	the	the	DET
elp-56284	143	21	indirect	indirect	ADJ
elp-56284	143	22	transfer	transfer	NOUN
elp-56284	143	23	of	of	ADP
elp-56284	143	24	the	the	DET
elp-56284	143	25	guarantor	guarantor	NOUN
elp-56284	143	26	’s	’s	PART
elp-56284	143	27	property	property	NOUN
elp-56284	143	28	to	to	ADP
elp-56284	143	29	the	the	DET
elp-56284	143	30	actor	actor	NOUN
elp-56284	143	31	can	can	AUX
elp-56284	143	32	be	be	AUX
elp-56284	143	33	realized	realize	VERB
elp-56284	143	34	.	.	PUNCT
elp-56284	144	1	the	the	DET
elp-56284	144	2	actor	actor	NOUN
elp-56284	144	3	has	have	VERB
elp-56284	144	4	a	a	DET
elp-56284	144	5	clear	clear	ADJ
elp-56284	144	6	understanding	understanding	NOUN
elp-56284	144	7	of	of	ADP
elp-56284	144	8	the	the	DET
elp-56284	144	9	fact	fact	NOUN
elp-56284	144	10	that	that	SCONJ
elp-56284	144	11	he	he	PRON
elp-56284	144	12	can	can	AUX
elp-56284	144	13	not	not	PART
elp-56284	144	14	repay	repay	VERB
elp-56284	144	15	the	the	DET
elp-56284	144	16	loan	loan	NOUN
elp-56284	144	17	,	,	PUNCT
elp-56284	144	18	and	and	CCONJ
elp-56284	144	19	his	his	PRON
elp-56284	144	20	subjective	subjective	ADJ
elp-56284	144	21	intention	intention	NOUN
elp-56284	144	22	directly	directly	ADV
elp-56284	144	23	points	point	VERB
elp-56284	144	24	to	to	ADP
elp-56284	144	25	the	the	DET
elp-56284	144	26	embezzlement	embezzlement	NOUN
elp-56284	144	27	of	of	ADP
elp-56284	144	28	other	other	ADJ
elp-56284	144	29	people	people	NOUN
elp-56284	144	30	’s	’s	PART
elp-56284	144	31	property	property	NOUN
elp-56284	144	32	by	by	ADP
elp-56284	144	33	using	use	VERB
elp-56284	144	34	the	the	DET
elp-56284	144	35	guarantor	guarantor	NOUN
elp-56284	144	36	to	to	PART
elp-56284	144	37	bear	bear	VERB
elp-56284	144	38	the	the	DET
elp-56284	144	39	repayment	repayment	NOUN
elp-56284	144	40	responsibility	responsibility	NOUN
elp-56284	144	41	,	,	PUNCT
elp-56284	144	42	while	while	SCONJ
elp-56284	144	43	the	the	DET
elp-56284	144	44	bank	bank	NOUN
elp-56284	144	45	’s	’s	PART
elp-56284	144	46	fund	fund	PROPN
elp-56284	144	47	issuance	issuance	NOUN
elp-56284	144	48	behavior	behavior	NOUN
elp-56284	144	49	is	be	AUX
elp-56284	144	50	only	only	ADV
elp-56284	144	51	an	an	DET
elp-56284	144	52	instrumental	instrumental	ADJ
elp-56284	144	53	link	link	NOUN
elp-56284	144	54	to	to	PART
elp-56284	144	55	achieve	achieve	VERB
elp-56284	144	56	the	the	DET
elp-56284	144	57	purpose	purpose	NOUN
elp-56284	144	58	of	of	ADP
elp-56284	144	59	illegal	illegal	ADJ
elp-56284	144	60	possession	possession	NOUN
elp-56284	144	61	.	.	PUNCT
elp-56284	145	1	based	base	VERB
elp-56284	145	2	on	on	ADP
elp-56284	145	3	the	the	DET
elp-56284	145	4	principle	principle	NOUN
elp-56284	145	5	of	of	ADP
elp-56284	145	6	unity	unity	NOUN
elp-56284	145	7	of	of	ADP
elp-56284	145	8	subjectivity	subjectivity	NOUN
elp-56284	145	9	and	and	CCONJ
elp-56284	145	10	objectivity	objectivity	NOUN
elp-56284	145	11	,	,	PUNCT
elp-56284	145	12	this	this	DET
elp-56284	145	13	kind	kind	NOUN
elp-56284	145	14	of	of	ADP
elp-56284	145	15	behavior	behavior	NOUN
elp-56284	145	16	mode	mode	NOUN
elp-56284	145	17	of	of	ADP
elp-56284	145	18	“	"	PUNCT
elp-56284	145	19	defrauding	defraud	VERB
elp-56284	145	20	guarantee	guarantee	NOUN
elp-56284	145	21	-	-	PUNCT
elp-56284	145	22	obtaining	obtain	VERB
elp-56284	145	23	loan	loan	NOUN
elp-56284	145	24	”	"	PUNCT
elp-56284	145	25	should	should	AUX
elp-56284	145	26	be	be	AUX
elp-56284	145	27	identified	identify	VERB
elp-56284	145	28	as	as	ADP
elp-56284	145	29	the	the	DET
elp-56284	145	30	crime	crime	NOUN
elp-56284	145	31	of	of	ADP
elp-56284	145	32	contract	contract	NOUN
elp-56284	145	33	fraud	fraud	NOUN
elp-56284	145	34	because	because	SCONJ
elp-56284	145	35	the	the	DET
elp-56284	145	36	core	core	NOUN
elp-56284	145	37	damage	damage	NOUN
elp-56284	145	38	object	object	NOUN
elp-56284	145	39	is	be	AUX
elp-56284	145	40	the	the	DET
elp-56284	145	41	guarantor	guarantor	NOUN
elp-56284	145	42	’s	’s	PART
elp-56284	145	43	property	property	NOUN
elp-56284	145	44	rights	right	NOUN
elp-56284	145	45	and	and	CCONJ
elp-56284	145	46	interests	interest	NOUN
elp-56284	145	47	,	,	PUNCT
elp-56284	145	48	and	and	CCONJ
elp-56284	145	49	the	the	DET
elp-56284	145	50	criminal	criminal	ADJ
elp-56284	145	51	behavior	behavior	NOUN
elp-56284	145	52	is	be	AUX
elp-56284	145	53	completed	complete	VERB
elp-56284	145	54	through	through	ADP
elp-56284	145	55	the	the	DET
elp-56284	145	56	guarantee	guarantee	NOUN
elp-56284	145	57	contract	contract	NOUN
elp-56284	145	58	fraud	fraud	NOUN
elp-56284	145	59	.	.	PUNCT
elp-56284	146	1	5.2	5.2	NUM
elp-56284	146	2	double	double	ADJ
elp-56284	146	3	fraud	fraud	NOUN
elp-56284	146	4	committed	commit	VERB
elp-56284	146	5	without	without	ADP
elp-56284	146	6	the	the	DET
elp-56284	146	7	purpose	purpose	NOUN
elp-56284	146	8	of	of	ADP
elp-56284	146	9	illegal	illegal	ADJ
elp-56284	146	10	possession	possession	NOUN
elp-56284	146	11	in	in	ADP
elp-56284	146	12	the	the	DET
elp-56284	146	13	case	case	NOUN
elp-56284	146	14	that	that	SCONJ
elp-56284	146	15	the	the	DET
elp-56284	146	16	actor	actor	NOUN
elp-56284	146	17	obtains	obtain	VERB
elp-56284	146	18	the	the	DET
elp-56284	146	19	guarantee	guarantee	NOUN
elp-56284	146	20	by	by	ADP
elp-56284	146	21	deception	deception	NOUN
elp-56284	146	22	but	but	CCONJ
elp-56284	146	23	has	have	VERB
elp-56284	146	24	no	no	DET
elp-56284	146	25	purpose	purpose	NOUN
elp-56284	146	26	of	of	ADP
elp-56284	146	27	illegal	illegal	ADJ
elp-56284	146	28	possession	possession	NOUN
elp-56284	146	29	,	,	PUNCT
elp-56284	146	30	the	the	DET
elp-56284	146	31	guarantor	guarantor	NOUN
elp-56284	146	32	does	do	AUX
elp-56284	146	33	not	not	PART
elp-56284	146	34	constitute	constitute	VERB
elp-56284	146	35	the	the	DET
elp-56284	146	36	crime	crime	NOUN
elp-56284	146	37	of	of	ADP
elp-56284	146	38	contract	contract	NOUN
elp-56284	146	39	fraud	fraud	NOUN
elp-56284	146	40	even	even	ADV
elp-56284	146	41	if	if	SCONJ
elp-56284	146	42	it	it	PRON
elp-56284	146	43	eventually	eventually	ADV
elp-56284	146	44	compensates	compensate	VERB
elp-56284	146	45	the	the	DET
elp-56284	146	46	loan	loan	NOUN
elp-56284	146	47	for	for	ADP
elp-56284	146	48	objective	objective	ADJ
elp-56284	146	49	reasons	reason	NOUN
elp-56284	146	50	.	.	PUNCT
elp-56284	147	1	the	the	DET
elp-56284	147	2	establishment	establishment	NOUN
elp-56284	147	3	of	of	ADP
elp-56284	147	4	the	the	DET
elp-56284	147	5	crime	crime	NOUN
elp-56284	147	6	of	of	ADP
elp-56284	147	7	contract	contract	NOUN
elp-56284	147	8	fraud	fraud	NOUN
elp-56284	147	9	is	be	AUX
elp-56284	147	10	based	base	VERB
elp-56284	147	11	on	on	ADP
elp-56284	147	12	the	the	DET
elp-56284	147	13	subjective	subjective	ADJ
elp-56284	147	14	intention	intention	NOUN
elp-56284	147	15	of	of	ADP
elp-56284	147	16	the	the	DET
elp-56284	147	17	actor	actor	NOUN
elp-56284	147	18	to	to	PART
elp-56284	147	19	illegally	illegally	ADV
elp-56284	147	20	occupy	occupy	VERB
elp-56284	147	21	the	the	DET
elp-56284	147	22	property	property	NOUN
elp-56284	147	23	of	of	ADP
elp-56284	147	24	others	other	NOUN
elp-56284	147	25	.	.	PUNCT
elp-56284	148	1	in	in	ADP
elp-56284	148	2	this	this	DET
elp-56284	148	3	case	case	NOUN
elp-56284	148	4	,	,	PUNCT
elp-56284	148	5	the	the	DET
elp-56284	148	6	actor	actor	NOUN
elp-56284	148	7	has	have	VERB
elp-56284	148	8	neither	neither	CCONJ
elp-56284	148	9	the	the	DET
elp-56284	148	10	intention	intention	NOUN
elp-56284	148	11	of	of	ADP
elp-56284	148	12	encroaching	encroach	VERB
elp-56284	148	13	on	on	ADP
elp-56284	148	14	the	the	DET
elp-56284	148	15	property	property	NOUN
elp-56284	148	16	of	of	ADP
elp-56284	148	17	the	the	DET
elp-56284	148	18	guarantor	guarantor	NOUN
elp-56284	148	19	nor	nor	CCONJ
elp-56284	148	20	directly	directly	ADV
elp-56284	148	21	obtaining	obtain	VERB
elp-56284	148	22	the	the	DET
elp-56284	148	23	property	property	NOUN
elp-56284	148	24	of	of	ADP
elp-56284	148	25	the	the	DET
elp-56284	148	26	guarantor	guarantor	NOUN
elp-56284	148	27	through	through	ADP
elp-56284	148	28	fraudulent	fraudulent	ADJ
elp-56284	148	29	means	mean	NOUN
elp-56284	148	30	.	.	PUNCT
elp-56284	149	1	its	its	PRON
elp-56284	149	2	fraudulent	fraudulent	ADJ
elp-56284	149	3	behavior	behavior	NOUN
elp-56284	149	4	only	only	ADV
elp-56284	149	5	contributes	contribute	VERB
elp-56284	149	6	to	to	ADP
elp-56284	149	7	the	the	DET
elp-56284	149	8	establishment	establishment	NOUN
elp-56284	149	9	of	of	ADP
elp-56284	149	10	the	the	DET
elp-56284	149	11	guarantee	guarantee	NOUN
elp-56284	149	12	relationship	relationship	NOUN
elp-56284	149	13	.	.	PUNCT
elp-56284	150	1	when	when	SCONJ
elp-56284	150	2	the	the	DET
elp-56284	150	3	guarantor	guarantor	NOUN
elp-56284	150	4	provides	provide	VERB
elp-56284	150	5	guarantee	guarantee	NOUN
elp-56284	150	6	,	,	PUNCT
elp-56284	150	7	there	there	PRON
elp-56284	150	8	is	be	VERB
elp-56284	150	9	still	still	ADV
elp-56284	150	10	a	a	DET
elp-56284	150	11	reasonable	reasonable	ADJ
elp-56284	150	12	expectation	expectation	NOUN
elp-56284	150	13	of	of	ADP
elp-56284	150	14	the	the	DET
elp-56284	150	15	borrower	borrower	NOUN
elp-56284	150	16	’s	’s	PART
elp-56284	150	17	repayment	repayment	NOUN
elp-56284	150	18	ability	ability	NOUN
elp-56284	150	19	.	.	PUNCT
elp-56284	151	1	even	even	ADV
elp-56284	151	2	if	if	SCONJ
elp-56284	151	3	the	the	DET
elp-56284	151	4	guarantee	guarantee	NOUN
elp-56284	151	5	liability	liability	NOUN
elp-56284	151	6	is	be	AUX
elp-56284	151	7	caused	cause	VERB
elp-56284	151	8	by	by	ADP
elp-56284	151	9	objective	objective	ADJ
elp-56284	151	10	reasons	reason	NOUN
elp-56284	151	11	,	,	PUNCT
elp-56284	151	12	it	it	PRON
elp-56284	151	13	should	should	AUX
elp-56284	151	14	be	be	AUX
elp-56284	151	15	adjusted	adjust	VERB
elp-56284	151	16	by	by	ADP
elp-56284	151	17	civil	civil	ADJ
elp-56284	151	18	legal	legal	ADJ
elp-56284	151	19	relationship	relationship	NOUN
elp-56284	151	20	.	.	PUNCT
elp-56284	152	1	according	accord	VERB
elp-56284	152	2	to	to	ADP
elp-56284	152	3	the	the	DET
elp-56284	152	4	amendment	amendment	NOUN
elp-56284	152	5	of	of	ADP
elp-56284	152	6	the	the	DET
elp-56284	152	7	“	"	PUNCT
elp-56284	152	8	criminal	criminal	ADJ
elp-56284	152	9	law	law	NOUN
elp-56284	152	10	amendment	amendment	NOUN
elp-56284	152	11	(	(	PUNCT
elp-56284	152	12	11	11	NUM
elp-56284	152	13	)	)	PUNCT
elp-56284	152	14	”	"	PUNCT
elp-56284	152	15	,	,	PUNCT
elp-56284	152	16	the	the	DET
elp-56284	152	17	conviction	conviction	NOUN
elp-56284	152	18	standard	standard	NOUN
elp-56284	152	19	of	of	ADP
elp-56284	152	20	the	the	DET
elp-56284	152	21	crime	crime	NOUN
elp-56284	152	22	of	of	ADP
elp-56284	152	23	defrauding	defraud	VERB
elp-56284	152	24	loans	loan	NOUN
elp-56284	152	25	is	be	AUX
elp-56284	152	26	based	base	VERB
elp-56284	152	27	on	on	ADP
elp-56284	152	28	the	the	DET
elp-56284	152	29	necessary	necessary	ADJ
elp-56284	152	30	premise	premise	NOUN
elp-56284	152	31	of	of	ADP
elp-56284	152	32	“	"	PUNCT
elp-56284	152	33	causing	cause	VERB
elp-56284	152	34	significant	significant	ADJ
elp-56284	152	35	losses	loss	NOUN
elp-56284	152	36	to	to	ADP
elp-56284	152	37	financial	financial	ADJ
elp-56284	152	38	institutions	institution	NOUN
elp-56284	152	39	”	"	PUNCT
elp-56284	152	40	.	.	PUNCT
elp-56284	153	1	if	if	SCONJ
elp-56284	153	2	the	the	DET
elp-56284	153	3	actor	actor	NOUN
elp-56284	153	4	has	have	AUX
elp-56284	153	5	provided	provide	VERB
elp-56284	153	6	a	a	DET
elp-56284	153	7	real	real	ADJ
elp-56284	153	8	and	and	CCONJ
elp-56284	153	9	effective	effective	ADJ
elp-56284	153	10	guarantee	guarantee	NOUN
elp-56284	153	11	,	,	PUNCT
elp-56284	153	12	the	the	DET
elp-56284	153	13	bank	bank	NOUN
elp-56284	153	14	has	have	AUX
elp-56284	153	15	obtained	obtain	VERB
elp-56284	153	16	the	the	DET
elp-56284	153	17	property	property	NOUN
elp-56284	153	18	rights	right	NOUN
elp-56284	153	19	protection	protection	NOUN
elp-56284	153	20	equivalent	equivalent	ADJ
elp-56284	153	21	to	to	ADP
elp-56284	153	22	the	the	DET
elp-56284	153	23	loan	loan	NOUN
elp-56284	153	24	amount	amount	NOUN
elp-56284	153	25	through	through	ADP
elp-56284	153	26	the	the	DET
elp-56284	153	27	guarantee	guarantee	NOUN
elp-56284	153	28	measures	measure	NOUN
elp-56284	153	29	.	.	PUNCT
elp-56284	154	1	even	even	ADV
elp-56284	154	2	if	if	SCONJ
elp-56284	154	3	the	the	DET
elp-56284	154	4	loan	loan	NOUN
elp-56284	154	5	is	be	AUX
elp-56284	154	6	not	not	PART
elp-56284	154	7	recovered	recover	VERB
elp-56284	154	8	for	for	ADP
elp-56284	154	9	objective	objective	ADJ
elp-56284	154	10	reasons	reason	NOUN
elp-56284	154	11	,	,	PUNCT
elp-56284	154	12	the	the	DET
elp-56284	154	13	bank	bank	NOUN
elp-56284	154	14	is	be	AUX
elp-56284	154	15	not	not	PART
elp-56284	154	16	actually	actually	ADV
elp-56284	154	17	damaged	damage	VERB
elp-56284	154	18	due	due	ADP
elp-56284	154	19	to	to	ADP
elp-56284	154	20	the	the	DET
elp-56284	154	21	risk	risk	NOUN
elp-56284	154	22	of	of	ADP
elp-56284	154	23	guarantee	guarantee	NOUN
elp-56284	154	24	coverage	coverage	NOUN
elp-56284	154	25	.	.	PUNCT
elp-56284	155	1	even	even	ADV
elp-56284	155	2	if	if	SCONJ
elp-56284	155	3	the	the	DET
elp-56284	155	4	loan	loan	NOUN
elp-56284	155	5	principal	principal	NOUN
elp-56284	155	6	and	and	CCONJ
elp-56284	155	7	interest	interest	NOUN
elp-56284	155	8	are	be	AUX
elp-56284	155	9	not	not	PART
elp-56284	155	10	fully	fully	ADV
elp-56284	155	11	recovered	recover	VERB
elp-56284	155	12	due	due	ADP
elp-56284	155	13	to	to	ADP
elp-56284	155	14	objective	objective	ADJ
elp-56284	155	15	factors	factor	NOUN
elp-56284	155	16	,	,	PUNCT
elp-56284	155	17	it	it	PRON
elp-56284	155	18	is	be	AUX
elp-56284	155	19	also	also	ADV
elp-56284	155	20	a	a	DET
elp-56284	155	21	foreseeable	foreseeable	ADJ
elp-56284	155	22	commercial	commercial	ADJ
elp-56284	155	23	risk	risk	NOUN
elp-56284	155	24	for	for	ADP
elp-56284	155	25	financial	financial	ADJ
elp-56284	155	26	institutions	institution	NOUN
elp-56284	155	27	,	,	PUNCT
elp-56284	155	28	and	and	CCONJ
elp-56284	155	29	there	there	PRON
elp-56284	155	30	is	be	VERB
elp-56284	155	31	no	no	DET
elp-56284	155	32	direct	direct	ADJ
elp-56284	155	33	causal	causal	NOUN
elp-56284	155	34	relationship	relationship	NOUN
elp-56284	155	35	in	in	ADP
elp-56284	155	36	criminal	criminal	ADJ
elp-56284	155	37	law	law	NOUN
elp-56284	155	38	between	between	ADP
elp-56284	155	39	fraudulent	fraudulent	ADJ
elp-56284	155	40	loan	loan	NOUN
elp-56284	155	41	behavior	behavior	NOUN
elp-56284	155	42	.	.	PUNCT
elp-56284	156	1	in	in	ADP
elp-56284	156	2	this	this	DET
elp-56284	156	3	kind	kind	NOUN
elp-56284	156	4	of	of	ADP
elp-56284	156	5	“	"	PUNCT
elp-56284	156	6	double	double	ADJ
elp-56284	156	7	fraud	fraud	NOUN
elp-56284	156	8	”	"	PUNCT
elp-56284	156	9	,	,	PUNCT
elp-56284	156	10	because	because	SCONJ
elp-56284	156	11	the	the	DET
elp-56284	156	12	bank	bank	NOUN
elp-56284	156	13	has	have	AUX
elp-56284	156	14	not	not	PART
elp-56284	156	15	suffered	suffer	VERB
elp-56284	156	16	legal	legal	ADJ
elp-56284	156	17	“	"	PUNCT
elp-56284	156	18	significant	significant	ADJ
elp-56284	156	19	losses	loss	NOUN
elp-56284	156	20	”	"	PUNCT
elp-56284	156	21	and	and	CCONJ
elp-56284	156	22	the	the	DET
elp-56284	156	23	security	security	NOUN
elp-56284	156	24	of	of	ADP
elp-56284	156	25	funds	fund	NOUN
elp-56284	156	26	has	have	AUX
elp-56284	156	27	not	not	PART
elp-56284	156	28	been	be	AUX
elp-56284	156	29	substantially	substantially	ADV
elp-56284	156	30	damaged	damage	VERB
elp-56284	156	31	,	,	PUNCT
elp-56284	156	32	the	the	DET
elp-56284	156	33	deceptive	deceptive	ADJ
elp-56284	156	34	means	mean	NOUN
elp-56284	156	35	of	of	ADP
elp-56284	156	36	the	the	DET
elp-56284	156	37	perpetrator	perpetrator	NOUN
elp-56284	156	38	only	only	ADV
elp-56284	156	39	involve	involve	VERB
elp-56284	156	40	the	the	DET
elp-56284	156	41	formal	formal	ADJ
elp-56284	156	42	defects	defect	NOUN
elp-56284	156	43	of	of	ADP
elp-56284	156	44	loan	loan	NOUN
elp-56284	156	45	review	review	NOUN
elp-56284	156	46	,	,	PUNCT
elp-56284	156	47	which	which	PRON
elp-56284	156	48	does	do	AUX
elp-56284	156	49	not	not	PART
elp-56284	156	50	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	VERB
elp-56284	156	51	economics	economic	NOUN
elp-56284	156	52	,	,	PUNCT
elp-56284	156	53	law	law	NOUN
elp-56284	156	54	and	and	CCONJ
elp-56284	156	55	policy	policy	NOUN
elp-56284	156	56	vol	vol	NOUN
elp-56284	156	57	.	.	PROPN
elp-56284	157	1	8	8	NUM
elp-56284	157	2	,	,	PUNCT
elp-56284	157	3	no	no	INTJ
elp-56284	157	4	.	.	NOUN
elp-56284	157	5	2	2	NUM
elp-56284	157	6	,	,	PUNCT
elp-56284	157	7	2025	2025	NUM
elp-56284	157	8	123	123	NUM
elp-56284	157	9	published	publish	VERB
elp-56284	157	10	by	by	ADP
elp-56284	157	11	scholink	scholink	PROPN
elp-56284	157	12	inc	inc	PROPN
elp-56284	157	13	.	.	PROPN
elp-56284	157	14	constitute	constitute	VERB
elp-56284	157	15	the	the	DET
elp-56284	157	16	crime	crime	NOUN
elp-56284	157	17	of	of	ADP
elp-56284	157	18	defrauding	defraud	VERB
elp-56284	157	19	loans	loan	NOUN
elp-56284	157	20	,	,	PUNCT
elp-56284	157	21	and	and	CCONJ
elp-56284	157	22	should	should	AUX
elp-56284	157	23	be	be	AUX
elp-56284	157	24	attributed	attribute	VERB
elp-56284	157	25	to	to	ADP
elp-56284	157	26	the	the	DET
elp-56284	157	27	scope	scope	NOUN
elp-56284	157	28	of	of	ADP
elp-56284	157	29	civil	civil	ADJ
elp-56284	157	30	dispute	dispute	NOUN
elp-56284	157	31	adjustment	adjustment	NOUN
elp-56284	157	32	.	.	PUNCT
elp-56284	158	1	therefore	therefore	ADV
elp-56284	158	2	,	,	PUNCT
elp-56284	158	3	the	the	DET
elp-56284	158	4	double	double	ADJ
elp-56284	158	5	fraud	fraud	NOUN
elp-56284	158	6	without	without	ADP
elp-56284	158	7	the	the	DET
elp-56284	158	8	purpose	purpose	NOUN
elp-56284	158	9	of	of	ADP
elp-56284	158	10	illegal	illegal	ADJ
elp-56284	158	11	possession	possession	NOUN
elp-56284	158	12	does	do	AUX
elp-56284	158	13	not	not	PART
elp-56284	158	14	constitute	constitute	VERB
elp-56284	158	15	a	a	DET
elp-56284	158	16	crime	crime	NOUN
elp-56284	158	17	for	for	ADP
elp-56284	158	18	the	the	DET
elp-56284	158	19	guarantor	guarantor	NOUN
elp-56284	158	20	and	and	CCONJ
elp-56284	158	21	the	the	DET
elp-56284	158	22	bank	bank	NOUN
elp-56284	158	23	,	,	PUNCT
elp-56284	158	24	and	and	CCONJ
elp-56284	158	25	it	it	PRON
elp-56284	158	26	belongs	belong	VERB
elp-56284	158	27	to	to	ADP
elp-56284	158	28	the	the	DET
elp-56284	158	29	civil	civil	ADJ
elp-56284	158	30	legal	legal	ADJ
elp-56284	158	31	relationship	relationship	NOUN
elp-56284	158	32	to	to	PART
elp-56284	158	33	adjust	adjust	VERB
elp-56284	158	34	the	the	DET
elp-56284	158	35	recovery	recovery	NOUN
elp-56284	158	36	.	.	PUNCT
elp-56284	159	1	6	6	NUM
elp-56284	159	2	.	.	X
elp-56284	159	3	conclusions	conclusion	NOUN
elp-56284	159	4	in	in	ADP
elp-56284	159	5	determining	determine	VERB
elp-56284	159	6	the	the	DET
elp-56284	159	7	nature	nature	NOUN
elp-56284	159	8	of	of	ADP
elp-56284	159	9	the	the	DET
elp-56284	159	10	criminal	criminal	ADJ
elp-56284	159	11	law	law	NOUN
elp-56284	159	12	for	for	ADP
elp-56284	159	13	obtaining	obtain	VERB
elp-56284	159	14	loans	loan	NOUN
elp-56284	159	15	by	by	ADP
elp-56284	159	16	defrauding	defraud	VERB
elp-56284	159	17	guarantees	guarantee	NOUN
elp-56284	159	18	,	,	PUNCT
elp-56284	159	19	it	it	PRON
elp-56284	159	20	is	be	AUX
elp-56284	159	21	necessary	necessary	ADJ
elp-56284	159	22	to	to	PART
elp-56284	159	23	make	make	VERB
elp-56284	159	24	a	a	DET
elp-56284	159	25	unified	unified	ADJ
elp-56284	159	26	judgment	judgment	NOUN
elp-56284	159	27	of	of	ADP
elp-56284	159	28	types	type	NOUN
elp-56284	159	29	to	to	PART
elp-56284	159	30	avoid	avoid	VERB
elp-56284	159	31	the	the	DET
elp-56284	159	32	uncertainty	uncertainty	NOUN
elp-56284	159	33	of	of	ADP
elp-56284	159	34	different	different	ADJ
elp-56284	159	35	judgments	judgment	NOUN
elp-56284	159	36	and	and	CCONJ
elp-56284	159	37	charges	charge	NOUN
elp-56284	159	38	in	in	ADP
elp-56284	159	39	the	the	DET
elp-56284	159	40	same	same	ADJ
elp-56284	159	41	case	case	NOUN
elp-56284	159	42	.	.	PUNCT
elp-56284	160	1	the	the	DET
elp-56284	160	2	nature	nature	NOUN
elp-56284	160	3	of	of	ADP
elp-56284	160	4	the	the	DET
elp-56284	160	5	guarantee	guarantee	NOUN
elp-56284	160	6	needs	need	VERB
elp-56284	160	7	to	to	PART
elp-56284	160	8	be	be	AUX
elp-56284	160	9	clarified	clarify	VERB
elp-56284	160	10	.	.	PUNCT
elp-56284	161	1	for	for	ADP
elp-56284	161	2	the	the	DET
elp-56284	161	3	determination	determination	NOUN
elp-56284	161	4	of	of	ADP
elp-56284	161	5	losses	loss	NOUN
elp-56284	161	6	and	and	CCONJ
elp-56284	161	7	the	the	DET
elp-56284	161	8	judgment	judgment	NOUN
elp-56284	161	9	of	of	ADP
elp-56284	161	10	infringement	infringement	NOUN
elp-56284	161	11	of	of	ADP
elp-56284	161	12	legal	legal	ADJ
elp-56284	161	13	interests	interest	NOUN
elp-56284	161	14	,	,	PUNCT
elp-56284	161	15	the	the	DET
elp-56284	161	16	provision	provision	NOUN
elp-56284	161	17	of	of	ADP
elp-56284	161	18	true	true	ADJ
elp-56284	161	19	guarantees	guarantee	NOUN
elp-56284	161	20	is	be	AUX
elp-56284	161	21	the	the	DET
elp-56284	161	22	key	key	ADJ
elp-56284	161	23	factor	factor	NOUN
elp-56284	161	24	affecting	affect	VERB
elp-56284	161	25	the	the	DET
elp-56284	161	26	crime	crime	NOUN
elp-56284	161	27	and	and	CCONJ
elp-56284	161	28	the	the	DET
elp-56284	161	29	foothold	foothold	NOUN
elp-56284	161	30	of	of	ADP
elp-56284	161	31	legal	legal	ADJ
elp-56284	161	32	relations	relation	NOUN
elp-56284	161	33	.	.	PUNCT
elp-56284	162	1	as	as	ADP
elp-56284	162	2	for	for	ADP
elp-56284	162	3	the	the	DET
elp-56284	162	4	post	post	NOUN
elp-56284	162	5	-	-	NOUN
elp-56284	162	6	payment	payment	NOUN
elp-56284	162	7	of	of	ADP
elp-56284	162	8	the	the	DET
elp-56284	162	9	guarantor	guarantor	NOUN
elp-56284	162	10	,	,	PUNCT
elp-56284	162	11	the	the	DET
elp-56284	162	12	determination	determination	NOUN
elp-56284	162	13	of	of	ADP
elp-56284	162	14	the	the	DET
elp-56284	162	15	nature	nature	NOUN
elp-56284	162	16	of	of	ADP
elp-56284	162	17	the	the	DET
elp-56284	162	18	act	act	NOUN
elp-56284	162	19	shall	shall	AUX
elp-56284	162	20	not	not	PART
elp-56284	162	21	be	be	AUX
elp-56284	162	22	affected	affect	VERB
elp-56284	162	23	.	.	PUNCT
elp-56284	163	1	even	even	ADV
elp-56284	163	2	if	if	SCONJ
elp-56284	163	3	the	the	DET
elp-56284	163	4	bank	bank	NOUN
elp-56284	163	5	ultimately	ultimately	ADV
elp-56284	163	6	suffers	suffer	VERB
elp-56284	163	7	losses	loss	NOUN
elp-56284	163	8	due	due	ADP
elp-56284	163	9	to	to	ADP
elp-56284	163	10	the	the	DET
elp-56284	163	11	guarantor	guarantor	NOUN
elp-56284	163	12	’s	’s	PART
elp-56284	163	13	failure	failure	NOUN
elp-56284	163	14	to	to	PART
elp-56284	163	15	pay	pay	VERB
elp-56284	163	16	off	off	ADP
elp-56284	163	17	in	in	ADP
elp-56284	163	18	full	full	ADJ
elp-56284	163	19	,	,	PUNCT
elp-56284	163	20	it	it	PRON
elp-56284	163	21	is	be	AUX
elp-56284	163	22	not	not	PART
elp-56284	163	23	equal	equal	ADJ
elp-56284	163	24	to	to	ADP
elp-56284	163	25	the	the	DET
elp-56284	163	26	victim	victim	NOUN
elp-56284	163	27	’s	’s	PART
elp-56284	163	28	losses	loss	NOUN
elp-56284	163	29	in	in	ADP
elp-56284	163	30	the	the	DET
elp-56284	163	31	loan	loan	NOUN
elp-56284	163	32	crime	crime	NOUN
elp-56284	163	33	.	.	PUNCT
elp-56284	164	1	the	the	DET
elp-56284	164	2	time	time	NOUN
elp-56284	164	3	node	node	VERB
elp-56284	164	4	for	for	ADP
elp-56284	164	5	judging	judge	VERB
elp-56284	164	6	the	the	DET
elp-56284	164	7	property	property	NOUN
elp-56284	164	8	loss	loss	NOUN
elp-56284	164	9	suffered	suffer	VERB
elp-56284	164	10	by	by	ADP
elp-56284	164	11	the	the	DET
elp-56284	164	12	victim	victim	NOUN
elp-56284	164	13	lies	lie	VERB
elp-56284	164	14	in	in	ADP
elp-56284	164	15	the	the	DET
elp-56284	164	16	time	time	NOUN
elp-56284	164	17	when	when	SCONJ
elp-56284	164	18	the	the	DET
elp-56284	164	19	actor	actor	NOUN
elp-56284	164	20	has	have	AUX
elp-56284	164	21	completed	complete	VERB
elp-56284	164	22	the	the	DET
elp-56284	164	23	act	act	NOUN
elp-56284	164	24	of	of	ADP
elp-56284	164	25	controlling	control	VERB
elp-56284	164	26	the	the	DET
elp-56284	164	27	property	property	NOUN
elp-56284	164	28	,	,	PUNCT
elp-56284	164	29	because	because	SCONJ
elp-56284	164	30	the	the	DET
elp-56284	164	31	actor	actor	NOUN
elp-56284	164	32	has	have	VERB
elp-56284	164	33	the	the	DET
elp-56284	164	34	purpose	purpose	NOUN
elp-56284	164	35	of	of	ADP
elp-56284	164	36	illegal	illegal	ADJ
elp-56284	164	37	possession	possession	NOUN
elp-56284	164	38	,	,	PUNCT
elp-56284	164	39	when	when	SCONJ
elp-56284	164	40	the	the	DET
elp-56284	164	41	guarantor	guarantor	NOUN
elp-56284	164	42	establishes	establish	VERB
elp-56284	164	43	a	a	DET
elp-56284	164	44	guarantee	guarantee	NOUN
elp-56284	164	45	for	for	ADP
elp-56284	164	46	the	the	DET
elp-56284	164	47	actor	actor	NOUN
elp-56284	164	48	’s	’s	PART
elp-56284	164	49	loan	loan	NOUN
elp-56284	164	50	,	,	PUNCT
elp-56284	164	51	he	he	PRON
elp-56284	164	52	has	have	AUX
elp-56284	164	53	already	already	ADV
elp-56284	164	54	faced	face	VERB
elp-56284	164	55	the	the	DET
elp-56284	164	56	situation	situation	NOUN
elp-56284	164	57	that	that	SCONJ
elp-56284	164	58	the	the	DET
elp-56284	164	59	guarantee	guarantee	NOUN
elp-56284	164	60	provided	provide	VERB
elp-56284	164	61	can	can	AUX
elp-56284	164	62	not	not	PART
elp-56284	164	63	be	be	AUX
elp-56284	164	64	recovered	recover	VERB
elp-56284	164	65	,	,	PUNCT
elp-56284	164	66	which	which	PRON
elp-56284	164	67	constitutes	constitute	VERB
elp-56284	164	68	the	the	DET
elp-56284	164	69	completion	completion	NOUN
elp-56284	164	70	of	of	ADP
elp-56284	164	71	the	the	DET
elp-56284	164	72	crime	crime	NOUN
elp-56284	164	73	of	of	ADP
elp-56284	164	74	contract	contract	NOUN
elp-56284	164	75	fraud	fraud	NOUN
elp-56284	164	76	.	.	PUNCT
elp-56284	165	1	however	however	ADV
elp-56284	165	2	,	,	PUNCT
elp-56284	165	3	because	because	SCONJ
elp-56284	165	4	of	of	ADP
elp-56284	165	5	the	the	DET
elp-56284	165	6	existence	existence	NOUN
elp-56284	165	7	of	of	ADP
elp-56284	165	8	true	true	ADJ
elp-56284	165	9	guarantee	guarantee	NOUN
elp-56284	165	10	,	,	PUNCT
elp-56284	165	11	the	the	DET
elp-56284	165	12	actor	actor	NOUN
elp-56284	165	13	’s	’s	PART
elp-56284	165	14	acquisition	acquisition	NOUN
elp-56284	165	15	of	of	ADP
elp-56284	165	16	control	control	NOUN
elp-56284	165	17	over	over	ADP
elp-56284	165	18	the	the	DET
elp-56284	165	19	loan	loan	NOUN
elp-56284	165	20	does	do	AUX
elp-56284	165	21	not	not	PART
elp-56284	165	22	mean	mean	VERB
elp-56284	165	23	that	that	SCONJ
elp-56284	165	24	the	the	DET
elp-56284	165	25	bank	bank	NOUN
elp-56284	165	26	has	have	AUX
elp-56284	165	27	suffered	suffer	VERB
elp-56284	165	28	losses	loss	NOUN
elp-56284	165	29	on	on	ADP
elp-56284	165	30	the	the	DET
elp-56284	165	31	loan	loan	NOUN
elp-56284	165	32	at	at	ADP
elp-56284	165	33	this	this	DET
elp-56284	165	34	time	time	NOUN
elp-56284	165	35	,	,	PUNCT
elp-56284	165	36	and	and	CCONJ
elp-56284	165	37	the	the	DET
elp-56284	165	38	second	second	ADJ
elp-56284	165	39	fraud	fraud	NOUN
elp-56284	165	40	should	should	AUX
elp-56284	165	41	be	be	AUX
elp-56284	165	42	recognized	recognize	VERB
elp-56284	165	43	as	as	ADP
elp-56284	165	44	civil	civil	ADJ
elp-56284	165	45	fraud	fraud	NOUN
elp-56284	165	46	rather	rather	ADV
elp-56284	165	47	than	than	ADP
elp-56284	165	48	fraud	fraud	NOUN
elp-56284	165	49	.	.	PUNCT
elp-56284	166	1	if	if	SCONJ
elp-56284	166	2	the	the	DET
elp-56284	166	3	perpetrator	perpetrator	NOUN
elp-56284	166	4	does	do	AUX
elp-56284	166	5	not	not	PART
elp-56284	166	6	have	have	VERB
elp-56284	166	7	the	the	DET
elp-56284	166	8	purpose	purpose	NOUN
elp-56284	166	9	of	of	ADP
elp-56284	166	10	illegal	illegal	ADJ
elp-56284	166	11	possession	possession	NOUN
elp-56284	166	12	and	and	CCONJ
elp-56284	166	13	only	only	ADV
elp-56284	166	14	commits	commit	VERB
elp-56284	166	15	fraud	fraud	NOUN
elp-56284	166	16	,	,	PUNCT
elp-56284	166	17	the	the	DET
elp-56284	166	18	double	double	ADJ
elp-56284	166	19	fraud	fraud	NOUN
elp-56284	166	20	guarantee	guarantee	NOUN
elp-56284	166	21	loan	loan	NOUN
elp-56284	166	22	does	do	AUX
elp-56284	166	23	not	not	PART
elp-56284	166	24	constitute	constitute	VERB
elp-56284	166	25	a	a	DET
elp-56284	166	26	crime	crime	NOUN
elp-56284	166	27	and	and	CCONJ
elp-56284	166	28	belongs	belong	VERB
elp-56284	166	29	to	to	ADP
elp-56284	166	30	the	the	DET
elp-56284	166	31	adjustment	adjustment	NOUN
elp-56284	166	32	of	of	ADP
elp-56284	166	33	civil	civil	ADJ
elp-56284	166	34	legal	legal	ADJ
elp-56284	166	35	relations	relation	NOUN
elp-56284	166	36	.	.	PUNCT
elp-56284	167	1	references	reference	NOUN
elp-56284	167	2	chen	chen	PROPN
elp-56284	167	3	,	,	PUNCT
elp-56284	167	4	s.	s.	PROPN
elp-56284	167	5	q.	q.	PROPN
elp-56284	167	6	(	(	PUNCT
elp-56284	167	7	2019	2019	NUM
elp-56284	167	8	)	)	PUNCT
elp-56284	167	9	.	.	PUNCT
elp-56284	168	1	criminal	criminal	ADJ
elp-56284	168	2	determination	determination	NOUN
elp-56284	168	3	of	of	ADP
elp-56284	168	4	double	double	ADJ
elp-56284	168	5	fraud	fraud	NOUN
elp-56284	168	6	in	in	ADP
elp-56284	168	7	guaranteed	guarantee	VERB
elp-56284	168	8	loans	loan	NOUN
elp-56284	168	9	—	—	PUNCT
elp-56284	168	10	taking	take	VERB
elp-56284	168	11	the	the	DET
elp-56284	168	12	criminal	criminal	ADJ
elp-56284	168	13	law	law	NOUN
elp-56284	168	14	evaluation	evaluation	NOUN
elp-56284	168	15	of	of	ADP
elp-56284	168	16	guarantee	guarantee	NOUN
elp-56284	168	17	as	as	ADP
elp-56284	168	18	the	the	DET
elp-56284	168	19	entry	entry	NOUN
elp-56284	168	20	point	point	NOUN
elp-56284	168	21	.	.	PUNCT
elp-56284	169	1	politics	politic	NOUN
elp-56284	169	2	and	and	CCONJ
elp-56284	169	3	law	law	NOUN
elp-56284	169	4	,	,	PUNCT
elp-56284	169	5	2019(01	2019(01	NUM
elp-56284	169	6	)	)	PUNCT
elp-56284	169	7	,	,	PUNCT
elp-56284	169	8	52	52	NUM
elp-56284	169	9	-	-	SYM
elp-56284	169	10	66	66	NUM
elp-56284	169	11	.	.	PUNCT
elp-56284	170	1	chen	chen	PROPN
elp-56284	170	2	,	,	PUNCT
elp-56284	170	3	x.	x.	PROPN
elp-56284	170	4	l.	l.	PROPN
elp-56284	170	5	(	(	PUNCT
elp-56284	170	6	2016	2016	NUM
elp-56284	170	7	)	)	PUNCT
elp-56284	170	8	.	.	PUNCT
elp-56284	171	1	special	special	ADJ
elp-56284	171	2	types	type	NOUN
elp-56284	171	3	of	of	ADP
elp-56284	171	4	“	"	PUNCT
elp-56284	171	5	two	two	NUM
elp-56284	171	6	sides	side	NOUN
elp-56284	171	7	fraud	fraud	VERB
elp-56284	171	8	”	"	PUNCT
elp-56284	171	9	in	in	ADP
elp-56284	171	10	contract	contract	NOUN
elp-56284	171	11	fraud	fraud	NOUN
elp-56284	171	12	:	:	PUNCT
elp-56284	171	13	qualitative	qualitative	ADJ
elp-56284	171	14	analysis	analysis	NOUN
elp-56284	171	15	and	and	CCONJ
elp-56284	171	16	handling	handling	NOUN
elp-56284	171	17	.	.	PUNCT
elp-56284	172	1	politics	politic	NOUN
elp-56284	172	2	and	and	CCONJ
elp-56284	172	3	law	law	NOUN
elp-56284	172	4	,	,	PUNCT
elp-56284	172	5	2016(04	2016(04	NUM
elp-56284	172	6	)	)	PUNCT
elp-56284	172	7	,	,	PUNCT
elp-56284	172	8	39	39	NUM
elp-56284	172	9	-	-	SYM
elp-56284	172	10	51	51	NUM
elp-56284	172	11	.	.	PUNCT
elp-56284	173	1	criminal	criminal	ADJ
elp-56284	173	2	trials	trial	NOUN
elp-56284	173	3	of	of	ADP
elp-56284	173	4	the	the	DET
elp-56284	173	5	first	first	ADJ
elp-56284	173	6	and	and	CCONJ
elp-56284	173	7	second	second	ADJ
elp-56284	173	8	divisions	division	NOUN
elp-56284	173	9	of	of	ADP
elp-56284	173	10	the	the	DET
elp-56284	173	11	supreme	supreme	PROPN
elp-56284	173	12	people	people	PROPN
elp-56284	173	13	’s	’s	PART
elp-56284	173	14	court	court	NOUN
elp-56284	173	15	.	.	PUNCT
elp-56284	174	1	(	(	PUNCT
elp-56284	174	2	2006	2006	NUM
elp-56284	174	3	)	)	PUNCT
elp-56284	174	4	.	.	PUNCT
elp-56284	175	1	references	reference	NOUN
elp-56284	175	2	to	to	ADP
elp-56284	175	3	criminal	criminal	ADJ
elp-56284	175	4	trials	trial	NOUN
elp-56284	175	5	.	.	PUNCT
elp-56284	176	1	beijing	beijing	PROPN
elp-56284	176	2	:	:	PUNCT
elp-56284	176	3	law	law	NOUN
elp-56284	176	4	press	press	NOUN
elp-56284	176	5	.	.	PUNCT
elp-56284	177	1	jiang	jiang	PROPN
elp-56284	177	2	,	,	PUNCT
elp-56284	177	3	d.	d.	PROPN
elp-56284	177	4	f.	f.	PROPN
elp-56284	177	5	(	(	PUNCT
elp-56284	177	6	2021	2021	NUM
elp-56284	177	7	)	)	PUNCT
elp-56284	177	8	.	.	PUNCT
elp-56284	178	1	analysis	analysis	NOUN
elp-56284	178	2	and	and	CCONJ
elp-56284	178	3	determination	determination	NOUN
elp-56284	178	4	of	of	ADP
elp-56284	178	5	deceiving	deceive	VERB
elp-56284	178	6	others	other	NOUN
elp-56284	178	7	to	to	PART
elp-56284	178	8	provide	provide	VERB
elp-56284	178	9	real	real	ADJ
elp-56284	178	10	property	property	NOUN
elp-56284	178	11	rights	right	NOUN
elp-56284	178	12	guarantee	guarantee	VERB
elp-56284	178	13	to	to	PART
elp-56284	178	14	implement	implement	VERB
elp-56284	178	15	loan	loan	NOUN
elp-56284	178	16	fraud	fraud	NOUN
elp-56284	178	17	.	.	PUNCT
elp-56284	179	1	legal	legal	ADJ
elp-56284	179	2	system	system	NOUN
elp-56284	179	3	and	and	CCONJ
elp-56284	179	4	economy	economy	NOUN
elp-56284	179	5	,	,	PUNCT
elp-56284	179	6	30(08	30(08	PROPN
elp-56284	179	7	)	)	PUNCT
elp-56284	179	8	,	,	PUNCT
elp-56284	179	9	1	1	NUM
elp-56284	179	10	-	-	SYM
elp-56284	179	11	9	9	NUM
elp-56284	179	12	.	.	PUNCT
elp-56284	180	1	lin	lin	PROPN
elp-56284	180	2	,	,	PUNCT
elp-56284	180	3	z.	z.	PROPN
elp-56284	180	4	y.	y.	PROPN
elp-56284	180	5	(	(	PUNCT
elp-56284	180	6	2020	2020	NUM
elp-56284	180	7	)	)	PUNCT
elp-56284	180	8	.	.	PUNCT
elp-56284	181	1	study	study	NOUN
elp-56284	181	2	on	on	ADP
elp-56284	181	3	the	the	DET
elp-56284	181	4	qualitative	qualitative	ADJ
elp-56284	181	5	problem	problem	NOUN
elp-56284	181	6	of	of	ADP
elp-56284	181	7	double	double	ADJ
elp-56284	181	8	fraud	fraud	NOUN
elp-56284	181	9	in	in	ADP
elp-56284	181	10	guaranteed	guarantee	VERB
elp-56284	181	11	loans	loan	NOUN
elp-56284	181	12	.	.	PUNCT
elp-56284	182	1	shanghai	shanghai	PROPN
elp-56284	182	2	:	:	PUNCT
elp-56284	182	3	east	east	PROPN
elp-56284	182	4	china	china	PROPN
elp-56284	182	5	university	university	PROPN
elp-56284	182	6	of	of	ADP
elp-56284	182	7	political	political	ADJ
elp-56284	182	8	science	science	NOUN
elp-56284	182	9	and	and	CCONJ
elp-56284	182	10	law	law	NOUN
elp-56284	182	11	.	.	PUNCT
elp-56284	183	1	liu	liu	PROPN
elp-56284	183	2	,	,	PUNCT
elp-56284	183	3	r.	r.	PROPN
elp-56284	183	4	(	(	PUNCT
elp-56284	183	5	2017	2017	NUM
elp-56284	183	6	)	)	PUNCT
elp-56284	183	7	.	.	PUNCT
elp-56284	184	1	difficulties	difficulty	NOUN
elp-56284	184	2	and	and	CCONJ
elp-56284	184	3	ways	way	NOUN
elp-56284	184	4	out	out	ADP
elp-56284	184	5	for	for	ADP
elp-56284	184	6	cases	case	NOUN
elp-56284	184	7	of	of	ADP
elp-56284	184	8	“	"	PUNCT
elp-56284	184	9	two	two	NUM
elp-56284	184	10	sides	side	NOUN
elp-56284	184	11	fraud	fraud	VERB
elp-56284	184	12	”	"	PUNCT
elp-56284	184	13	guaranteed	guarantee	VERB
elp-56284	184	14	loans	loan	NOUN
elp-56284	184	15	.	.	PUNCT
elp-56284	185	1	jinyang	jinyang	PROPN
elp-56284	185	2	academic	academic	PROPN
elp-56284	185	3	journal	journal	PROPN
elp-56284	185	4	,	,	PUNCT
elp-56284	185	5	2017(06	2017(06	NUM
elp-56284	185	6	)	)	PUNCT
elp-56284	185	7	,	,	PUNCT
elp-56284	185	8	109	109	NUM
elp-56284	185	9	-	-	SYM
elp-56284	185	10	117	117	NUM
elp-56284	185	11	.	.	PUNCT
elp-56284	186	1	qian	qian	PROPN
elp-56284	186	2	,	,	PUNCT
elp-56284	186	3	y.	y.	PROPN
elp-56284	186	4	l.	l.	PROPN
elp-56284	186	5	(	(	PUNCT
elp-56284	186	6	2018	2018	NUM
elp-56284	186	7	)	)	PUNCT
elp-56284	186	8	.	.	PUNCT
elp-56284	187	1	study	study	NOUN
elp-56284	187	2	on	on	ADP
elp-56284	187	3	the	the	DET
elp-56284	187	4	cross	cross	ADJ
elp-56284	187	5	-	-	ADJ
elp-56284	187	6	related	related	ADJ
elp-56284	187	7	entities	entity	NOUN
elp-56284	187	8	between	between	ADP
elp-56284	187	9	criminal	criminal	ADJ
elp-56284	187	10	and	and	CCONJ
elp-56284	187	11	civil	civil	ADJ
elp-56284	187	12	cases	case	NOUN
elp-56284	187	13	of	of	ADP
elp-56284	187	14	double	double	ADJ
elp-56284	187	15	fraud	fraud	NOUN
elp-56284	187	16	on	on	ADP
elp-56284	187	17	guaranteed	guarantee	VERB
elp-56284	187	18	loans	loan	NOUN
elp-56284	187	19	.	.	PUNCT
elp-56284	188	1	legal	legal	ADJ
elp-56284	188	2	and	and	CCONJ
elp-56284	188	3	commercial	commercial	ADJ
elp-56284	188	4	research	research	NOUN
elp-56284	188	5	,	,	PUNCT
elp-56284	188	6	35(05	35(05	NUM
elp-56284	188	7	)	)	PUNCT
elp-56284	188	8	,	,	PUNCT
elp-56284	188	9	160	160	NUM
elp-56284	188	10	-	-	SYM
elp-56284	188	11	169	169	NUM
elp-56284	188	12	.	.	PUNCT
elp-56284	189	1	www.scholink.org/ojs/index.php/elp	www.scholink.org/ojs/index.php/elp	NOUN
elp-56284	189	2	economics	economic	NOUN
elp-56284	189	3	,	,	PUNCT
elp-56284	189	4	law	law	NOUN
elp-56284	189	5	and	and	CCONJ
elp-56284	189	6	policy	policy	NOUN
elp-56284	189	7	vol	vol	NOUN
elp-56284	189	8	.	.	PROPN
elp-56284	189	9	8	8	NUM
elp-56284	189	10	,	,	PUNCT
elp-56284	189	11	no	no	INTJ
elp-56284	189	12	.	.	NOUN
elp-56284	189	13	2	2	NUM
elp-56284	189	14	,	,	PUNCT
elp-56284	189	15	2025	2025	NUM
elp-56284	189	16	124	124	NUM
elp-56284	189	17	published	publish	VERB
elp-56284	189	18	by	by	ADP
elp-56284	189	19	scholink	scholink	PROPN
elp-56284	189	20	inc	inc	PROPN
elp-56284	189	21	.	.	PROPN
elp-56284	189	22	wang	wang	PROPN
elp-56284	189	23	,	,	PUNCT
elp-56284	189	24	c.	c.	PROPN
elp-56284	189	25	(	(	PUNCT
elp-56284	189	26	2004	2004	NUM
elp-56284	189	27	)	)	PUNCT
elp-56284	189	28	.	.	PUNCT
elp-56284	190	1	study	study	NOUN
elp-56284	190	2	on	on	ADP
elp-56284	190	3	the	the	DET
elp-56284	190	4	nature	nature	NOUN
elp-56284	190	5	of	of	ADP
elp-56284	190	6	the	the	DET
elp-56284	190	7	crime	crime	NOUN
elp-56284	190	8	of	of	ADP
elp-56284	190	9	loan	loan	NOUN
elp-56284	190	10	fraud	fraud	NOUN
elp-56284	190	11	.	.	PUNCT
elp-56284	191	1	legal	legal	ADJ
elp-56284	191	2	science	science	NOUN
elp-56284	191	3	journal	journal	NOUN
elp-56284	191	4	of	of	ADP
elp-56284	191	5	northwest	northwest	PROPN
elp-56284	191	6	college	college	PROPN
elp-56284	191	7	of	of	ADP
elp-56284	191	8	politics	politic	NOUN
elp-56284	191	9	and	and	CCONJ
elp-56284	191	10	law	law	NOUN
elp-56284	191	11	,	,	PUNCT
elp-56284	191	12	2004(02	2004(02	NUM
elp-56284	191	13	)	)	PUNCT
elp-56284	191	14	,	,	PUNCT
elp-56284	191	15	118	118	NUM
elp-56284	191	16	-	-	SYM
elp-56284	191	17	124	124	NUM
elp-56284	191	18	.	.	PUNCT
elp-56284	192	1	yang	yang	PROPN
elp-56284	192	2	,	,	PUNCT
elp-56284	192	3	z.	z.	PROPN
elp-56284	192	4	q.	q.	PROPN
elp-56284	192	5	(	(	PUNCT
elp-56284	192	6	2018	2018	NUM
elp-56284	192	7	)	)	PUNCT
elp-56284	192	8	.	.	PUNCT
elp-56284	193	1	study	study	NOUN
elp-56284	193	2	on	on	ADP
elp-56284	193	3	the	the	DET
elp-56284	193	4	interpretation	interpretation	NOUN
elp-56284	193	5	and	and	CCONJ
elp-56284	193	6	application	application	NOUN
elp-56284	193	7	of	of	ADP
elp-56284	193	8	guarantee	guarantee	NOUN
elp-56284	193	9	clauses	clause	NOUN
elp-56284	193	10	in	in	ADP
elp-56284	193	11	the	the	DET
elp-56284	193	12	crime	crime	NOUN
elp-56284	193	13	of	of	ADP
elp-56284	193	14	loan	loan	NOUN
elp-56284	193	15	fraud	fraud	NOUN
elp-56284	193	16	.	.	PUNCT
elp-56284	194	1	law	law	NOUN
elp-56284	194	2	forum	forum	PROPN
elp-56284	194	3	,	,	PUNCT
elp-56284	194	4	33(01	33(01	NUM
elp-56284	194	5	)	)	PUNCT
elp-56284	194	6	,	,	PUNCT
elp-56284	194	7	151	151	NUM
elp-56284	194	8	-	-	SYM
elp-56284	194	9	160	160	NUM
elp-56284	194	10	.	.	PUNCT
elp-56284	195	1	zhang	zhang	PROPN
elp-56284	195	2	mingkai	mingkai	PROPN
elp-56284	195	3	criminal	criminal	ADJ
elp-56284	195	4	law	law	NOUN
elp-56284	195	5	(	(	PUNCT
elp-56284	195	6	fifth	fifth	ADJ
elp-56284	195	7	edition	edition	NOUN
elp-56284	195	8	)	)	PUNCT
elp-56284	195	9	.	.	PUNCT
elp-56284	196	1	(	(	PUNCT
elp-56284	196	2	2016	2016	NUM
elp-56284	196	3	)	)	PUNCT
elp-56284	196	4	.	.	PUNCT
elp-56284	197	1	beijing	beijing	PROPN
elp-56284	197	2	:	:	PUNCT
elp-56284	197	3	law	law	NOUN
elp-56284	197	4	press	press	NOUN
elp-56284	197	5	.	.	PUNCT
elp-56284	198	1	zhang	zhang	PROPN
elp-56284	198	2	,	,	PUNCT
elp-56284	198	3	m.	m.	PROPN
elp-56284	198	4	k.	k.	PROPN
elp-56284	198	5	(	(	PUNCT
elp-56284	198	6	2021	2021	NUM
elp-56284	198	7	)	)	PUNCT
elp-56284	198	8	.	.	PUNCT
elp-56284	199	1	criminal	criminal	ADJ
elp-56284	199	2	law	law	NOUN
elp-56284	199	3	(	(	PUNCT
elp-56284	199	4	sixth	sixth	ADJ
elp-56284	199	5	edition	edition	NOUN
elp-56284	199	6	)	)	PUNCT
elp-56284	199	7	.	.	PUNCT
elp-56284	200	1	beijing	beijing	PROPN
elp-56284	200	2	:	:	PUNCT
elp-56284	200	3	law	law	NOUN
elp-56284	200	4	press	press	NOUN
elp-56284	200	5	.	.	PUNCT
elp-56284	201	1	zhou	zhou	PROPN
elp-56284	201	2	,	,	PUNCT
elp-56284	201	3	d.	d.	PROPN
elp-56284	201	4	j.	j.	PROPN
elp-56284	201	5	(	(	PUNCT
elp-56284	201	6	2014	2014	NUM
elp-56284	201	7	)	)	PUNCT
elp-56284	201	8	.	.	PUNCT
elp-56284	202	1	obtaining	obtain	VERB
elp-56284	202	2	bank	bank	NOUN
elp-56284	202	3	loans	loan	NOUN
elp-56284	202	4	by	by	ADP
elp-56284	202	5	defrauding	defraud	VERB
elp-56284	202	6	guarantees	guarantee	NOUN
elp-56284	202	7	constitutes	constitute	VERB
elp-56284	202	8	a	a	DET
elp-56284	202	9	crime	crime	NOUN
elp-56284	202	10	of	of	ADP
elp-56284	202	11	contract	contract	NOUN
elp-56284	202	12	fraud	fraud	NOUN
elp-56284	202	13	.	.	PUNCT
elp-56284	203	1	people	people	NOUN
elp-56284	203	2	’s	’s	PART
elp-56284	203	3	justice	justice	NOUN
elp-56284	203	4	,	,	PUNCT
elp-56284	203	5	2014(16	2014(16	NUM
elp-56284	203	6	)	)	PUNCT
elp-56284	203	7	,	,	PUNCT
elp-56284	203	8	27	27	NUM
elp-56284	203	9	-	-	SYM
elp-56284	203	10	30	30	NUM
elp-56284	203	11	.	.	PUNCT