id	sid	tid	token	lemma	pos
easat-2975	1	1	edelweiss	edelweiss	PROPN
easat-2975	1	2	applied	apply	VERB
easat-2975	1	3	science	science	NOUN
easat-2975	1	4	and	and	CCONJ
easat-2975	1	5	technology	technology	NOUN
easat-2975	1	6	issn	issn	PROPN
easat-2975	1	7	:	:	PUNCT
easat-2975	1	8	2576	2576	NUM
easat-2975	1	9	-	-	SYM
easat-2975	1	10	8484	8484	NUM
easat-2975	1	11	vol	vol	NOUN
easat-2975	1	12	.	.	PROPN
easat-2975	1	13	8	8	NUM
easat-2975	1	14	,	,	PUNCT
easat-2975	1	15	no	no	INTJ
easat-2975	1	16	.	.	NOUN
easat-2975	1	17	6	6	NUM
easat-2975	1	18	,	,	PUNCT
easat-2975	1	19	4470	4470	NUM
easat-2975	1	20	-	-	SYM
easat-2975	1	21	4478	4478	NUM
easat-2975	1	22	2024	2024	NUM
easat-2975	1	23	publisher	publisher	NOUN
easat-2975	1	24	:	:	PUNCT
easat-2975	1	25	learning	learn	VERB
easat-2975	1	26	gate	gate	NOUN
easat-2975	1	27	doi	doi	PROPN
easat-2975	1	28	:	:	PUNCT
easat-2975	1	29	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	1	30	©	©	ADP
easat-2975	1	31	2024	2024	NUM
easat-2975	1	32	by	by	ADP
easat-2975	1	33	the	the	DET
easat-2975	1	34	authors	author	NOUN
easat-2975	1	35	;	;	PUNCT
easat-2975	1	36	licensee	licensee	PROPN
easat-2975	1	37	learning	learning	NOUN
easat-2975	1	38	gate	gate	NOUN
easat-2975	1	39	©	©	PROPN
easat-2975	1	40	2024	2024	NUM
easat-2975	1	41	by	by	ADP
easat-2975	1	42	the	the	DET
easat-2975	1	43	authors	author	NOUN
easat-2975	1	44	;	;	PUNCT
easat-2975	1	45	licensee	licensee	PROPN
easat-2975	1	46	learning	learn	VERB
easat-2975	1	47	gate	gate	NOUN
easat-2975	1	48	*	*	PUNCT
easat-2975	1	49	correspondence	correspondence	NOUN
easat-2975	1	50	:	:	PUNCT
easat-2975	1	51	yliu@stu.edu.cn	yliu@stu.edu.cn	NOUN
easat-2975	1	52	relationship	relationship	NOUN
easat-2975	1	53	lending	lending	NOUN
easat-2975	1	54	and	and	CCONJ
easat-2975	1	55	the	the	DET
easat-2975	1	56	role	role	NOUN
easat-2975	1	57	of	of	ADP
easat-2975	1	58	loan	loan	NOUN
easat-2975	1	59	officers	officer	NOUN
easat-2975	1	60	in	in	ADP
easat-2975	1	61	china	china	PROPN
easat-2975	1	62	:	:	PUNCT
easat-2975	1	63	empirical	empirical	ADJ
easat-2975	1	64	analysis	analysis	NOUN
easat-2975	1	65	based	base	VERB
easat-2975	1	66	on	on	ADP
easat-2975	1	67	the	the	DET
easat-2975	1	68	data	datum	NOUN
easat-2975	1	69	on	on	ADP
easat-2975	1	70	companies	company	NOUN
easat-2975	1	71	in	in	ADP
easat-2975	1	72	industrial	industrial	ADJ
easat-2975	1	73	clusters	cluster	NOUN
easat-2975	1	74	cheng	cheng	PROPN
easat-2975	1	75	zhang1	zhang1	PROPN
easat-2975	1	76	,	,	PUNCT
easat-2975	1	77	yu	yu	PROPN
easat-2975	1	78	liu2	liu2	PROPN
easat-2975	1	79	*	*	PROPN
easat-2975	1	80	,	,	PUNCT
easat-2975	1	81	cheng	cheng	PROPN
easat-2975	1	82	tang3	tang3	PROPN
easat-2975	2	1	1,2shantou	1,2shantou	NUM
easat-2975	2	2	university	university	NOUN
easat-2975	2	3	;	;	PUNCT
easat-2975	2	4	yliu@stu.edu.cn	yliu@stu.edu.cn	PROPN
easat-2975	2	5	(	(	PUNCT
easat-2975	2	6	y.l	y.l	PROPN
easat-2975	2	7	.	.	PUNCT
easat-2975	2	8	)	)	PUNCT
easat-2975	2	9	.	.	PUNCT
easat-2975	3	1	3	3	NUM
easat-2975	3	2	economics	economics	PROPN
easat-2975	3	3	chuo	chuo	PROPN
easat-2975	3	4	university	university	PROPN
easat-2975	3	5	.	.	PUNCT
easat-2975	4	1	abstract	abstract	ADJ
easat-2975	4	2	:	:	PUNCT
easat-2975	4	3	relationship	relationship	NOUN
easat-2975	4	4	lending	lending	NOUN
easat-2975	4	5	refers	refer	VERB
easat-2975	4	6	to	to	ADP
easat-2975	4	7	lending	lending	NOUN
easat-2975	4	8	behavior	behavior	NOUN
easat-2975	4	9	in	in	ADP
easat-2975	4	10	which	which	PRON
easat-2975	4	11	a	a	DET
easat-2975	4	12	financial	financial	ADJ
easat-2975	4	13	institution	institution	NOUN
easat-2975	4	14	makes	make	VERB
easat-2975	4	15	loan	loan	NOUN
easat-2975	4	16	decisions	decision	NOUN
easat-2975	4	17	based	base	VERB
easat-2975	4	18	on	on	ADP
easat-2975	4	19	the	the	DET
easat-2975	4	20	accumulated	accumulate	VERB
easat-2975	4	21	soft	soft	ADJ
easat-2975	4	22	information	information	NOUN
easat-2975	4	23	on	on	ADP
easat-2975	4	24	the	the	DET
easat-2975	4	25	borrower	borrower	NOUN
easat-2975	4	26	.	.	PUNCT
easat-2975	5	1	empirical	empirical	ADJ
easat-2975	5	2	studies	study	NOUN
easat-2975	5	3	have	have	AUX
easat-2975	5	4	revealed	reveal	VERB
easat-2975	5	5	the	the	DET
easat-2975	5	6	positive	positive	ADJ
easat-2975	5	7	effect	effect	NOUN
easat-2975	5	8	of	of	ADP
easat-2975	5	9	relationship	relationship	NOUN
easat-2975	5	10	lending	lending	NOUN
easat-2975	5	11	.	.	PUNCT
easat-2975	6	1	however	however	ADV
easat-2975	6	2	,	,	PUNCT
easat-2975	6	3	questions	question	NOUN
easat-2975	6	4	concerning	concern	VERB
easat-2975	6	5	who	who	PRON
easat-2975	6	6	generates	generate	VERB
easat-2975	6	7	and	and	CCONJ
easat-2975	6	8	accumulates	accumulate	VERB
easat-2975	6	9	soft	soft	ADJ
easat-2975	6	10	information	information	NOUN
easat-2975	6	11	and	and	CCONJ
easat-2975	6	12	in	in	ADP
easat-2975	6	13	what	what	DET
easat-2975	6	14	ways	way	NOUN
easat-2975	6	15	in	in	ADP
easat-2975	6	16	china	china	PROPN
easat-2975	6	17	have	have	AUX
easat-2975	6	18	never	never	ADV
easat-2975	6	19	been	be	AUX
easat-2975	6	20	analyzed	analyze	VERB
easat-2975	6	21	empirically	empirically	ADV
easat-2975	6	22	.	.	PUNCT
easat-2975	7	1	this	this	DET
easat-2975	7	2	paper	paper	NOUN
easat-2975	7	3	empirically	empirically	ADV
easat-2975	7	4	aims	aim	VERB
easat-2975	7	5	to	to	PART
easat-2975	7	6	explain	explain	VERB
easat-2975	7	7	whether	whether	SCONJ
easat-2975	7	8	loan	loan	NOUN
easat-2975	7	9	officers	officer	NOUN
easat-2975	7	10	generate	generate	VERB
easat-2975	7	11	soft	soft	ADJ
easat-2975	7	12	information	information	NOUN
easat-2975	7	13	in	in	ADP
easat-2975	7	14	relationship	relationship	NOUN
easat-2975	7	15	lending	lending	NOUN
easat-2975	7	16	using	use	VERB
easat-2975	7	17	data	datum	NOUN
easat-2975	7	18	collected	collect	VERB
easat-2975	7	19	through	through	ADP
easat-2975	7	20	surveys	survey	NOUN
easat-2975	7	21	conducted	conduct	VERB
easat-2975	7	22	among	among	ADP
easat-2975	7	23	smes	sme	NOUN
easat-2975	7	24	in	in	ADP
easat-2975	7	25	the	the	DET
easat-2975	7	26	apparel	apparel	NOUN
easat-2975	7	27	industry	industry	NOUN
easat-2975	7	28	clusters	cluster	NOUN
easat-2975	7	29	in	in	ADP
easat-2975	7	30	zhejiang	zhejiang	PROPN
easat-2975	7	31	and	and	CCONJ
easat-2975	7	32	jiangsu	jiangsu	PROPN
easat-2975	7	33	provinces	province	NOUN
easat-2975	7	34	.	.	PUNCT
easat-2975	8	1	based	base	VERB
easat-2975	8	2	on	on	ADP
easat-2975	8	3	the	the	DET
easat-2975	8	4	results	result	NOUN
easat-2975	8	5	of	of	ADP
easat-2975	8	6	this	this	DET
easat-2975	8	7	study	study	NOUN
easat-2975	8	8	,	,	PUNCT
easat-2975	8	9	relationship	relationship	NOUN
easat-2975	8	10	banking	banking	NOUN
easat-2975	8	11	in	in	ADP
easat-2975	8	12	china	china	PROPN
easat-2975	8	13	,	,	PUNCT
easat-2975	8	14	which	which	PRON
easat-2975	8	15	deals	deal	VERB
easat-2975	8	16	with	with	ADP
easat-2975	8	17	the	the	DET
easat-2975	8	18	role	role	NOUN
easat-2975	8	19	of	of	ADP
easat-2975	8	20	loan	loan	NOUN
easat-2975	8	21	officers	officer	NOUN
easat-2975	8	22	,	,	PUNCT
easat-2975	8	23	seems	seem	VERB
easat-2975	8	24	even	even	ADV
easat-2975	8	25	more	more	ADV
easat-2975	8	26	important	important	ADJ
easat-2975	8	27	than	than	SCONJ
easat-2975	8	28	is	be	AUX
easat-2975	8	29	generally	generally	ADV
easat-2975	8	30	recognized	recognize	VERB
easat-2975	8	31	.	.	PUNCT
easat-2975	9	1	keywords	keyword	NOUN
easat-2975	9	2	:	:	PUNCT
easat-2975	9	3	relationship	relationship	NOUN
easat-2975	9	4	lending	lending	NOUN
easat-2975	9	5	,	,	PUNCT
easat-2975	9	6	small	small	ADJ
easat-2975	9	7	-	-	PUNCT
easat-2975	9	8	and	and	CCONJ
easat-2975	9	9	medium	medium	ADJ
easat-2975	9	10	-	-	PUNCT
easat-2975	9	11	sized	sized	ADJ
easat-2975	9	12	enterprises	enterprise	NOUN
easat-2975	9	13	,	,	PUNCT
easat-2975	9	14	soft	soft	ADJ
easat-2975	9	15	information	information	NOUN
easat-2975	9	16	.	.	PUNCT
easat-2975	10	1	1	1	X
easat-2975	10	2	.	.	X
easat-2975	10	3	introduction	introduction	NOUN
easat-2975	10	4	a	a	DET
easat-2975	10	5	vast	vast	ADJ
easat-2975	10	6	amount	amount	NOUN
easat-2975	10	7	of	of	ADP
easat-2975	10	8	research	research	NOUN
easat-2975	10	9	on	on	ADP
easat-2975	10	10	relationship	relationship	NOUN
easat-2975	10	11	banking	banking	NOUN
easat-2975	10	12	—	—	PUNCT
easat-2975	10	13	or	or	CCONJ
easat-2975	10	14	relationship	relationship	NOUN
easat-2975	10	15	lending	lending	NOUN
easat-2975	10	16	—	—	PUNCT
easat-2975	10	17	accumulated	accumulate	VERB
easat-2975	10	18	since	since	SCONJ
easat-2975	10	19	the	the	DET
easat-2975	10	20	1990s	1990	NOUN
easat-2975	10	21	shows	show	VERB
easat-2975	10	22	the	the	DET
easat-2975	10	23	importance	importance	NOUN
easat-2975	10	24	of	of	ADP
easat-2975	10	25	this	this	DET
easat-2975	10	26	business	business	NOUN
easat-2975	10	27	model	model	NOUN
easat-2975	10	28	(	(	PUNCT
easat-2975	10	29	e.g.	e.g.	ADV
easat-2975	10	30	,	,	PUNCT
easat-2975	10	31	positive	positive	ADJ
easat-2975	10	32	impact	impact	NOUN
easat-2975	10	33	on	on	ADP
easat-2975	10	34	lending	lending	NOUN
easat-2975	10	35	)	)	PUNCT
easat-2975	10	36	.	.	PUNCT
easat-2975	11	1	for	for	ADP
easat-2975	11	2	example	example	NOUN
easat-2975	11	3	,	,	PUNCT
easat-2975	11	4	boot	boot	NOUN
easat-2975	11	5	(	(	PUNCT
easat-2975	11	6	2000	2000	NUM
easat-2975	11	7	)	)	PUNCT
easat-2975	11	8	,	,	PUNCT
easat-2975	11	9	known	know	VERB
easat-2975	11	10	for	for	ADP
easat-2975	11	11	corporate	corporate	ADJ
easat-2975	11	12	finance	finance	NOUN
easat-2975	11	13	research	research	NOUN
easat-2975	11	14	,	,	PUNCT
easat-2975	11	15	argues	argue	VERB
easat-2975	11	16	that	that	SCONJ
easat-2975	11	17	relationship	relationship	NOUN
easat-2975	11	18	banking	banking	NOUN
easat-2975	11	19	is	be	AUX
easat-2975	11	20	the	the	DET
easat-2975	11	21	best	good	ADJ
easat-2975	11	22	approach	approach	NOUN
easat-2975	11	23	to	to	ADP
easat-2975	11	24	solving	solve	VERB
easat-2975	11	25	information	information	NOUN
easat-2975	11	26	asymmetry	asymmetry	NOUN
easat-2975	11	27	to	to	PART
easat-2975	11	28	ease	ease	VERB
easat-2975	11	29	the	the	DET
easat-2975	11	30	credit	credit	NOUN
easat-2975	11	31	constraints	constraint	NOUN
easat-2975	11	32	of	of	ADP
easat-2975	11	33	small	small	ADJ
easat-2975	11	34	and	and	CCONJ
easat-2975	11	35	medium	medium	ADJ
easat-2975	11	36	-	-	PUNCT
easat-2975	11	37	sized	sized	ADJ
easat-2975	11	38	enterprises	enterprise	NOUN
easat-2975	11	39	(	(	PUNCT
easat-2975	11	40	beatriz	beatriz	X
easat-2975	11	41	et	et	PROPN
easat-2975	11	42	al	al	PROPN
easat-2975	11	43	.	.	PROPN
easat-2975	11	44	,2018	,2018	PROPN
easat-2975	11	45	)	)	PUNCT
easat-2975	11	46	.	.	PUNCT
easat-2975	12	1	similarly	similarly	ADV
easat-2975	12	2	,	,	PUNCT
easat-2975	12	3	to	to	PART
easat-2975	12	4	limit	limit	VERB
easat-2975	12	5	or	or	CCONJ
easat-2975	12	6	incentivize	incentivize	VERB
easat-2975	12	7	managers	manager	NOUN
easat-2975	12	8	to	to	PART
easat-2975	12	9	use	use	VERB
easat-2975	12	10	loan	loan	NOUN
easat-2975	12	11	loss	loss	NOUN
easat-2975	12	12	reserves	reserve	NOUN
easat-2975	12	13	(	(	PUNCT
easat-2975	12	14	llps	llp	NOUN
easat-2975	12	15	)	)	PUNCT
easat-2975	12	16	,	,	PUNCT
easat-2975	12	17	regulators	regulator	NOUN
easat-2975	12	18	should	should	AUX
easat-2975	12	19	consider	consider	VERB
easat-2975	12	20	adopting	adopt	VERB
easat-2975	12	21	this	this	DET
easat-2975	12	22	prudential	prudential	ADJ
easat-2975	12	23	supervision	supervision	NOUN
easat-2975	12	24	mechanism	mechanism	NOUN
easat-2975	12	25	in	in	ADP
easat-2975	12	26	corporate	corporate	ADJ
easat-2975	12	27	governance	governance	NOUN
easat-2975	12	28	in	in	ADP
easat-2975	12	29	order	order	NOUN
easat-2975	12	30	to	to	PART
easat-2975	12	31	address	address	VERB
easat-2975	12	32	information	information	NOUN
easat-2975	12	33	asymmetry	asymmetry	NOUN
easat-2975	12	34	(	(	PUNCT
easat-2975	12	35	pinto	pinto	NOUN
easat-2975	12	36	,	,	PUNCT
easat-2975	12	37	2020	2020	NUM
easat-2975	12	38	)	)	PUNCT
easat-2975	12	39	.	.	PUNCT
easat-2975	13	1	of	of	ADP
easat-2975	13	2	the	the	DET
easat-2975	13	3	few	few	ADJ
easat-2975	13	4	previous	previous	ADJ
easat-2975	13	5	studies	study	NOUN
easat-2975	13	6	on	on	ADP
easat-2975	13	7	the	the	DET
easat-2975	13	8	role	role	NOUN
easat-2975	13	9	of	of	ADP
easat-2975	13	10	loan	loan	NOUN
easat-2975	13	11	officers	officer	NOUN
easat-2975	13	12	,	,	PUNCT
easat-2975	13	13	scott	scott	PROPN
easat-2975	13	14	(	(	PUNCT
easat-2975	13	15	2006	2006	NUM
easat-2975	13	16	)	)	PUNCT
easat-2975	13	17	suggests	suggest	VERB
easat-2975	13	18	that	that	SCONJ
easat-2975	13	19	financing	financing	NOUN
easat-2975	13	20	could	could	AUX
easat-2975	13	21	worsen	worsen	VERB
easat-2975	13	22	when	when	SCONJ
easat-2975	13	23	the	the	DET
easat-2975	13	24	loan	loan	NOUN
easat-2975	13	25	officer	officer	NOUN
easat-2975	13	26	changes	change	VERB
easat-2975	13	27	.	.	PUNCT
easat-2975	14	1	garica	garica	NOUN
easat-2975	14	2	-	-	PUNCT
easat-2975	14	3	appendini	appendini	PROPN
easat-2975	14	4	(	(	PUNCT
easat-2975	14	5	2007	2007	NUM
easat-2975	14	6	)	)	PUNCT
easat-2975	14	7	pointed	point	VERB
easat-2975	14	8	out	out	ADP
easat-2975	14	9	that	that	SCONJ
easat-2975	14	10	soft	soft	ADJ
easat-2975	14	11	information	information	NOUN
easat-2975	14	12	becomes	become	VERB
easat-2975	14	13	critical	critical	ADJ
easat-2975	14	14	when	when	SCONJ
easat-2975	14	15	a	a	DET
easat-2975	14	16	bank	bank	NOUN
easat-2975	14	17	and	and	CCONJ
easat-2975	14	18	company	company	NOUN
easat-2975	14	19	have	have	VERB
easat-2975	14	20	a	a	DET
easat-2975	14	21	close	close	ADJ
easat-2975	14	22	business	business	NOUN
easat-2975	14	23	relationship	relationship	NOUN
easat-2975	14	24	.	.	PUNCT
easat-2975	15	1	based	base	VERB
easat-2975	15	2	on	on	ADP
easat-2975	15	3	the	the	DET
easat-2975	15	4	importance	importance	NOUN
easat-2975	15	5	of	of	ADP
easat-2975	15	6	using	use	VERB
easat-2975	15	7	soft	soft	ADJ
easat-2975	15	8	information	information	NOUN
easat-2975	15	9	,	,	PUNCT
easat-2975	15	10	the	the	DET
easat-2975	15	11	study	study	NOUN
easat-2975	15	12	by	by	ADP
easat-2975	15	13	berger	berger	PROPN
easat-2975	15	14	and	and	CCONJ
easat-2975	15	15	black	black	ADJ
easat-2975	15	16	(	(	PUNCT
easat-2975	15	17	2011	2011	NUM
easat-2975	15	18	)	)	PUNCT
easat-2975	15	19	indicated	indicate	VERB
easat-2975	15	20	that	that	SCONJ
easat-2975	15	21	smaller	small	ADJ
easat-2975	15	22	financial	financial	ADJ
easat-2975	15	23	institutions	institution	NOUN
easat-2975	15	24	tend	tend	VERB
easat-2975	15	25	to	to	PART
easat-2975	15	26	emphasize	emphasize	VERB
easat-2975	15	27	relationship	relationship	NOUN
easat-2975	15	28	lending	lending	NOUN
easat-2975	15	29	.	.	PUNCT
easat-2975	16	1	with	with	ADP
easat-2975	16	2	the	the	DET
easat-2975	16	3	progress	progress	NOUN
easat-2975	16	4	of	of	ADP
easat-2975	16	5	information	information	NOUN
easat-2975	16	6	technology	technology	NOUN
easat-2975	16	7	,	,	PUNCT
easat-2975	16	8	banks	bank	NOUN
easat-2975	16	9	should	should	AUX
easat-2975	16	10	not	not	PART
easat-2975	16	11	cancel	cancel	VERB
easat-2975	16	12	the	the	DET
easat-2975	16	13	relationship	relationship	NOUN
easat-2975	16	14	banking	banking	NOUN
easat-2975	16	15	business	business	NOUN
easat-2975	16	16	because	because	SCONJ
easat-2975	16	17	the	the	DET
easat-2975	16	18	relationship	relationship	NOUN
easat-2975	16	19	bank	bank	NOUN
easat-2975	16	20	can	can	AUX
easat-2975	16	21	cultivate	cultivate	VERB
easat-2975	16	22	close	close	ADJ
easat-2975	16	23	ties	tie	NOUN
easat-2975	16	24	with	with	ADP
easat-2975	16	25	bank	bank	NOUN
easat-2975	16	26	customers	customer	NOUN
easat-2975	16	27	(	(	PUNCT
easat-2975	16	28	jakšičand	jakšičand	NOUN
easat-2975	16	29	marinč，2017	marinč，2017	NOUN
easat-2975	16	30	)	)	PUNCT
easat-2975	16	31	.	.	PUNCT
easat-2975	17	1	although	although	SCONJ
easat-2975	17	2	relationship	relationship	NOUN
easat-2975	17	3	lending	lending	NOUN
easat-2975	17	4	has	have	VERB
easat-2975	17	5	nothing	nothing	PRON
easat-2975	17	6	to	to	PART
easat-2975	17	7	do	do	VERB
easat-2975	17	8	with	with	ADP
easat-2975	17	9	credit	credit	NOUN
easat-2975	17	10	constraints	constraint	NOUN
easat-2975	17	11	during	during	ADP
easat-2975	17	12	the	the	DET
easat-2975	17	13	credit	credit	NOUN
easat-2975	17	14	boom	boom	NOUN
easat-2975	17	15	,	,	PUNCT
easat-2975	17	16	it	it	PRON
easat-2975	17	17	can	can	AUX
easat-2975	17	18	alleviate	alleviate	VERB
easat-2975	17	19	them	they	PRON
easat-2975	17	20	during	during	ADP
easat-2975	17	21	an	an	DET
easat-2975	17	22	economic	economic	ADJ
easat-2975	17	23	downturn	downturn	NOUN
easat-2975	17	24	(	(	PUNCT
easat-2975	17	25	beck	beck	NOUN
easat-2975	17	26	et	et	PROPN
easat-2975	17	27	al	al	PROPN
easat-2975	17	28	.	.	PROPN
easat-2975	17	29	,	,	PUNCT
easat-2975	17	30	2018	2018	NUM
easat-2975	17	31	)	)	PUNCT
easat-2975	17	32	.	.	PUNCT
easat-2975	18	1	credit	credit	NOUN
easat-2975	18	2	plays	play	VERB
easat-2975	18	3	a	a	DET
easat-2975	18	4	vital	vital	ADJ
easat-2975	18	5	role	role	NOUN
easat-2975	18	6	in	in	ADP
easat-2975	18	7	the	the	DET
easat-2975	18	8	loan	loan	NOUN
easat-2975	18	9	relationship	relationship	NOUN
easat-2975	18	10	.	.	PUNCT
easat-2975	19	1	the	the	DET
easat-2975	19	2	same	same	ADJ
easat-2975	19	3	bank	bank	NOUN
easat-2975	19	4	’s	’s	PART
easat-2975	19	5	repeated	repeat	VERB
easat-2975	19	6	borrowing	borrowing	NOUN
easat-2975	19	7	reduces	reduce	VERB
easat-2975	19	8	information	information	NOUN
easat-2975	19	9	asymmetry	asymmetry	NOUN
easat-2975	19	10	and	and	CCONJ
easat-2975	19	11	thus	thus	ADV
easat-2975	19	12	reduces	reduce	VERB
easat-2975	19	13	loan	loan	NOUN
easat-2975	19	14	cost	cost	NOUN
easat-2975	19	15	(	(	PUNCT
easat-2975	19	16	zhao	zhao	NOUN
easat-2975	19	17	,	,	PUNCT
easat-2975	19	18	2020	2020	NUM
easat-2975	19	19	)	)	PUNCT
easat-2975	19	20	thus	thus	ADV
easat-2975	19	21	,	,	PUNCT
easat-2975	19	22	using	use	VERB
easat-2975	19	23	a	a	DET
easat-2975	19	24	survey	survey	NOUN
easat-2975	19	25	conducted	conduct	VERB
easat-2975	19	26	among	among	ADP
easat-2975	19	27	smes	sme	NOUN
easat-2975	19	28	located	locate	VERB
easat-2975	19	29	in	in	ADP
easat-2975	19	30	the	the	DET
easat-2975	19	31	apparel	apparel	NOUN
easat-2975	19	32	industry	industry	NOUN
easat-2975	19	33	clusters	cluster	NOUN
easat-2975	19	34	in	in	ADP
easat-2975	19	35	the	the	DET
easat-2975	19	36	zhejiang	zhejiang	PROPN
easat-2975	19	37	and	and	CCONJ
easat-2975	19	38	jiangsu	jiangsu	PROPN
easat-2975	19	39	provinces	province	NOUN
easat-2975	19	40	,	,	PUNCT
easat-2975	19	41	this	this	DET
easat-2975	19	42	paper	paper	NOUN
easat-2975	19	43	demonstrates	demonstrate	VERB
easat-2975	19	44	empirically	empirically	ADV
easat-2975	19	45	whether	whether	SCONJ
easat-2975	19	46	loan	loan	NOUN
easat-2975	19	47	officers	officer	NOUN
easat-2975	19	48	are	be	AUX
easat-2975	19	49	playing	play	VERB
easat-2975	19	50	a	a	DET
easat-2975	19	51	role	role	NOUN
easat-2975	19	52	in	in	ADP
easat-2975	19	53	producing	produce	VERB
easat-2975	19	54	soft	soft	ADJ
easat-2975	19	55	information	information	NOUN
easat-2975	19	56	under	under	ADP
easat-2975	19	57	relationship	relationship	NOUN
easat-2975	19	58	lending	lending	NOUN
easat-2975	19	59	in	in	ADP
easat-2975	19	60	china	china	PROPN
easat-2975	19	61	and	and	CCONJ
easat-2975	19	62	sheds	shed	VERB
easat-2975	19	63	light	light	NOUN
easat-2975	19	64	on	on	ADP
easat-2975	19	65	our	our	PRON
easat-2975	19	66	understanding	understanding	NOUN
easat-2975	19	67	of	of	ADP
easat-2975	19	68	the	the	DET
easat-2975	19	69	role	role	NOUN
easat-2975	19	70	of	of	ADP
easat-2975	19	71	loan	loan	NOUN
easat-2975	19	72	officer	officer	NOUN
easat-2975	19	73	in	in	ADP
easat-2975	19	74	concrete	concrete	NOUN
easat-2975	19	75	terms.1there	terms.1there	ADV
easat-2975	19	76	are	be	AUX
easat-2975	19	77	two	two	NUM
easat-2975	19	78	critical	critical	ADJ
easat-2975	19	79	issues	issue	NOUN
easat-2975	19	80	this	this	DET
easat-2975	19	81	paper	paper	NOUN
easat-2975	19	82	hopes	hope	VERB
easat-2975	19	83	to	to	PART
easat-2975	19	84	address	address	VERB
easat-2975	19	85	.	.	PUNCT
easat-2975	20	1	first	first	ADV
easat-2975	20	2	,	,	PUNCT
easat-2975	20	3	what	what	PRON
easat-2975	20	4	is	be	AUX
easat-2975	20	5	the	the	DET
easat-2975	20	6	financing	financing	NOUN
easat-2975	20	7	behavior	behavior	NOUN
easat-2975	20	8	of	of	ADP
easat-2975	20	9	loan	loan	NOUN
easat-2975	20	10	officers	officer	NOUN
easat-2975	20	11	,	,	PUNCT
easat-2975	20	12	and	and	CCONJ
easat-2975	20	13	do	do	AUX
easat-2975	20	14	they	they	PRON
easat-2975	20	15	play	play	VERB
easat-2975	20	16	an	an	DET
easat-2975	20	17	essential	essential	ADJ
easat-2975	20	18	role	role	NOUN
easat-2975	20	19	as	as	ADP
easat-2975	20	20	generators	generator	NOUN
easat-2975	20	21	of	of	ADP
easat-2975	20	22	soft	soft	ADJ
easat-2975	20	23	information	information	NOUN
easat-2975	20	24	for	for	ADP
easat-2975	20	25	companies	company	NOUN
easat-2975	20	26	?	?	PUNCT
easat-2975	21	1	second	second	ADJ
easat-2975	21	2	,	,	PUNCT
easat-2975	21	3	once	once	SCONJ
easat-2975	21	4	we	we	PRON
easat-2975	21	5	establish	establish	VERB
easat-2975	21	6	that	that	SCONJ
easat-2975	21	7	loan	loan	NOUN
easat-2975	21	8	officers	officer	NOUN
easat-2975	21	9	are	be	AUX
easat-2975	21	10	crucial	crucial	ADJ
easat-2975	21	11	and	and	CCONJ
easat-2975	21	12	1uchida	1uchida	NUM
easat-2975	21	13	,	,	PUNCT
easat-2975	21	14	udell	udell	ADJ
easat-2975	21	15	,	,	PUNCT
easat-2975	21	16	and	and	CCONJ
easat-2975	21	17	yamori	yamori	NOUN
easat-2975	21	18	(	(	PUNCT
easat-2975	21	19	2012).this	2012).this	NUM
easat-2975	21	20	type	type	NOUN
easat-2975	21	21	of	of	ADP
easat-2975	21	22	analysis	analysis	NOUN
easat-2975	21	23	method	method	NOUN
easat-2975	21	24	is	be	AUX
easat-2975	21	25	based	base	VERB
easat-2975	21	26	on	on	ADP
easat-2975	21	27	4471	4471	NUM
easat-2975	21	28	edelweiss	edelweiss	PROPN
easat-2975	21	29	applied	apply	VERB
easat-2975	21	30	science	science	NOUN
easat-2975	21	31	and	and	CCONJ
easat-2975	21	32	technology	technology	NOUN
easat-2975	21	33	issn	issn	PROPN
easat-2975	21	34	:	:	PUNCT
easat-2975	21	35	2576	2576	NUM
easat-2975	21	36	-	-	SYM
easat-2975	21	37	8484	8484	NUM
easat-2975	21	38	vol	vol	NOUN
easat-2975	21	39	.	.	PROPN
easat-2975	22	1	8	8	NUM
easat-2975	22	2	,	,	PUNCT
easat-2975	22	3	no	no	INTJ
easat-2975	22	4	.	.	NOUN
easat-2975	23	1	6	6	NUM
easat-2975	23	2	:	:	SYM
easat-2975	23	3	4470	4470	NUM
easat-2975	23	4	-	-	SYM
easat-2975	23	5	4478	4478	NUM
easat-2975	23	6	,	,	PUNCT
easat-2975	23	7	2024	2024	NUM
easat-2975	23	8	doi	doi	NOUN
easat-2975	23	9	:	:	PUNCT
easat-2975	23	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	23	11	©	©	ADP
easat-2975	23	12	2024	2024	NUM
easat-2975	23	13	by	by	ADP
easat-2975	23	14	the	the	DET
easat-2975	23	15	authors	author	NOUN
easat-2975	23	16	;	;	PUNCT
easat-2975	23	17	licensee	licensee	PROPN
easat-2975	23	18	learning	learning	NOUN
easat-2975	23	19	gate	gate	VERB
easat-2975	23	20	the	the	DET
easat-2975	23	21	soft	soft	ADJ
easat-2975	23	22	information	information	NOUN
easat-2975	23	23	they	they	PRON
easat-2975	23	24	generate	generate	VERB
easat-2975	23	25	has	have	VERB
easat-2975	23	26	a	a	DET
easat-2975	23	27	positive	positive	ADJ
easat-2975	23	28	effect	effect	NOUN
easat-2975	23	29	on	on	ADP
easat-2975	23	30	relationship	relationship	NOUN
easat-2975	23	31	lending	lending	NOUN
easat-2975	23	32	,	,	PUNCT
easat-2975	23	33	we	we	PRON
easat-2975	23	34	can	can	AUX
easat-2975	23	35	say	say	VERB
easat-2975	23	36	that	that	SCONJ
easat-2975	23	37	relationship	relationship	NOUN
easat-2975	23	38	lending	lending	NOUN
easat-2975	23	39	has	have	VERB
easat-2975	23	40	its	its	PRON
easat-2975	23	41	merit	merit	NOUN
easat-2975	23	42	.	.	PUNCT
easat-2975	24	1	considering	consider	VERB
easat-2975	24	2	these	these	DET
easat-2975	24	3	two	two	NUM
easat-2975	24	4	objectives	objective	NOUN
easat-2975	24	5	,	,	PUNCT
easat-2975	24	6	i	i	PRON
easat-2975	24	7	will	will	AUX
easat-2975	24	8	review	review	VERB
easat-2975	24	9	previous	previous	ADJ
easat-2975	24	10	studies	study	NOUN
easat-2975	24	11	on	on	ADP
easat-2975	24	12	loan	loan	NOUN
easat-2975	24	13	officers	officer	NOUN
easat-2975	24	14	in	in	ADP
easat-2975	24	15	section	section	NOUN
easat-2975	24	16	2	2	NUM
easat-2975	24	17	to	to	PART
easat-2975	24	18	show	show	VERB
easat-2975	24	19	that	that	SCONJ
easat-2975	24	20	this	this	DET
easat-2975	24	21	paper	paper	NOUN
easat-2975	24	22	is	be	AUX
easat-2975	24	23	the	the	DET
easat-2975	24	24	first	first	ADJ
easat-2975	24	25	empirical	empirical	ADJ
easat-2975	24	26	study	study	NOUN
easat-2975	24	27	on	on	ADP
easat-2975	24	28	china	china	PROPN
easat-2975	24	29	.	.	PUNCT
easat-2975	25	1	in	in	ADP
easat-2975	25	2	section	section	NOUN
easat-2975	25	3	3	3	NUM
easat-2975	25	4	,	,	PUNCT
easat-2975	25	5	i	i	PRON
easat-2975	25	6	will	will	AUX
easat-2975	25	7	propose	propose	VERB
easat-2975	25	8	two	two	NUM
easat-2975	25	9	hypotheses	hypothesis	NOUN
easat-2975	25	10	for	for	ADP
easat-2975	25	11	the	the	DET
easat-2975	25	12	empirical	empirical	ADJ
easat-2975	25	13	study	study	NOUN
easat-2975	25	14	,	,	PUNCT
easat-2975	25	15	provide	provide	VERB
easat-2975	25	16	an	an	DET
easat-2975	25	17	overview	overview	NOUN
easat-2975	25	18	of	of	ADP
easat-2975	25	19	the	the	DET
easat-2975	25	20	individual	individual	ADJ
easat-2975	25	21	company	company	NOUN
easat-2975	25	22	data	datum	NOUN
easat-2975	25	23	used	use	VERB
easat-2975	25	24	in	in	ADP
easat-2975	25	25	this	this	DET
easat-2975	25	26	paper	paper	NOUN
easat-2975	25	27	,	,	PUNCT
easat-2975	25	28	and	and	CCONJ
easat-2975	25	29	analyze	analyze	VERB
easat-2975	25	30	independent	independent	ADJ
easat-2975	25	31	variables	variable	NOUN
easat-2975	25	32	and	and	CCONJ
easat-2975	25	33	descriptive	descriptive	ADJ
easat-2975	25	34	statistics	statistic	NOUN
easat-2975	25	35	.	.	PUNCT
easat-2975	26	1	in	in	ADP
easat-2975	26	2	section	section	NOUN
easat-2975	26	3	4	4	NUM
easat-2975	26	4	,	,	PUNCT
easat-2975	26	5	i	i	PRON
easat-2975	26	6	will	will	AUX
easat-2975	26	7	conduct	conduct	VERB
easat-2975	26	8	empirical	empirical	ADJ
easat-2975	26	9	analyses	analysis	NOUN
easat-2975	26	10	of	of	ADP
easat-2975	26	11	those	those	DET
easat-2975	26	12	two	two	NUM
easat-2975	26	13	hypotheses	hypothesis	NOUN
easat-2975	26	14	to	to	PART
easat-2975	26	15	explain	explain	VERB
easat-2975	26	16	the	the	DET
easat-2975	26	17	role	role	NOUN
easat-2975	26	18	of	of	ADP
easat-2975	26	19	loan	loan	NOUN
easat-2975	26	20	officers	officer	NOUN
easat-2975	26	21	in	in	ADP
easat-2975	26	22	china	china	PROPN
easat-2975	26	23	.	.	PUNCT
easat-2975	27	1	finally	finally	ADV
easat-2975	27	2	,	,	PUNCT
easat-2975	27	3	i	i	PRON
easat-2975	27	4	will	will	AUX
easat-2975	27	5	summarize	summarize	VERB
easat-2975	27	6	the	the	DET
easat-2975	27	7	main	main	ADJ
easat-2975	27	8	findings	finding	NOUN
easat-2975	27	9	of	of	ADP
easat-2975	27	10	this	this	DET
easat-2975	27	11	paper	paper	NOUN
easat-2975	27	12	in	in	ADP
easat-2975	27	13	section	section	NOUN
easat-2975	27	14	5	5	NUM
easat-2975	27	15	and	and	CCONJ
easat-2975	27	16	describe	describe	VERB
easat-2975	27	17	future	future	ADJ
easat-2975	27	18	research	research	NOUN
easat-2975	27	19	tasks	task	NOUN
easat-2975	27	20	.	.	PUNCT
easat-2975	28	1	2	2	X
easat-2975	28	2	.	.	NUM
easat-2975	28	3	hypotheses	hypothesis	NOUN
easat-2975	28	4	and	and	CCONJ
easat-2975	28	5	descriptive	descriptive	ADJ
easat-2975	28	6	analysis	analysis	NOUN
easat-2975	28	7	of	of	ADP
easat-2975	28	8	the	the	DET
easat-2975	28	9	data	datum	NOUN
easat-2975	28	10	thus	thus	ADV
easat-2975	28	11	,	,	PUNCT
easat-2975	28	12	to	to	PART
easat-2975	28	13	test	test	VERB
easat-2975	28	14	whether	whether	SCONJ
easat-2975	28	15	the	the	DET
easat-2975	28	16	role	role	NOUN
easat-2975	28	17	of	of	ADP
easat-2975	28	18	loan	loan	NOUN
easat-2975	28	19	officers	officer	NOUN
easat-2975	28	20	as	as	SCONJ
easat-2975	28	21	described	describe	VERB
easat-2975	28	22	above	above	ADV
easat-2975	28	23	leads	lead	VERB
easat-2975	28	24	to	to	ADP
easat-2975	28	25	the	the	DET
easat-2975	28	26	theoretical	theoretical	ADJ
easat-2975	28	27	outcome	outcome	NOUN
easat-2975	28	28	,	,	PUNCT
easat-2975	28	29	we	we	PRON
easat-2975	28	30	surveyed	survey	VERB
easat-2975	28	31	the	the	DET
easat-2975	28	32	textile	textile	NOUN
easat-2975	28	33	industry	industry	NOUN
easat-2975	28	34	clusters	cluster	NOUN
easat-2975	28	35	in	in	ADP
easat-2975	28	36	china	china	PROPN
easat-2975	28	37	between	between	ADP
easat-2975	28	38	february	february	PROPN
easat-2975	28	39	and	and	CCONJ
easat-2975	28	40	april	april	PROPN
easat-2975	28	41	of	of	ADP
easat-2975	28	42	2012	2012	NUM
easat-2975	28	43	(	(	PUNCT
easat-2975	28	44	from	from	ADP
easat-2975	28	45	now	now	ADV
easat-2975	28	46	on	on	ADV
easat-2975	28	47	,	,	PUNCT
easat-2975	28	48	referred	refer	VERB
easat-2975	28	49	to	to	ADP
easat-2975	28	50	as	as	ADP
easat-2975	28	51	the	the	DET
easat-2975	28	52	“	"	PUNCT
easat-2975	28	53	2012	2012	NUM
easat-2975	28	54	survey	survey	NOUN
easat-2975	28	55	”	"	PUNCT
easat-2975	28	56	)	)	PUNCT
easat-2975	28	57	.	.	PUNCT
easat-2975	29	1	it	it	PRON
easat-2975	29	2	is	be	AUX
easat-2975	29	3	an	an	DET
easat-2975	29	4	independent	independent	ADJ
easat-2975	29	5	face	face	NOUN
easat-2975	29	6	-	-	PUNCT
easat-2975	29	7	to	to	ADP
easat-2975	29	8	-	-	PUNCT
easat-2975	29	9	face	face	NOUN
easat-2975	29	10	survey	survey	NOUN
easat-2975	29	11	covering	cover	VERB
easat-2975	29	12	157	157	NUM
easat-2975	29	13	companies	company	NOUN
easat-2975	29	14	in	in	ADP
easat-2975	29	15	the	the	DET
easat-2975	29	16	cotton	cotton	NOUN
easat-2975	29	17	-	-	PUNCT
easat-2975	29	18	spinning	spinning	NOUN
easat-2975	29	19	-	-	PUNCT
easat-2975	29	20	related	relate	VERB
easat-2975	29	21	industry	industry	NOUN
easat-2975	29	22	in	in	ADP
easat-2975	29	23	regions	region	NOUN
easat-2975	29	24	located	locate	VERB
easat-2975	29	25	in	in	ADP
easat-2975	29	26	the	the	DET
easat-2975	29	27	zhejiang	zhejiang	PROPN
easat-2975	29	28	and	and	CCONJ
easat-2975	29	29	jiangsu	jiangsu	PROPN
easat-2975	29	30	provinces	province	NOUN
easat-2975	29	31	.	.	PUNCT
easat-2975	30	1	notably	notably	ADV
easat-2975	30	2	,	,	PUNCT
easat-2975	30	3	in	in	ADP
easat-2975	30	4	addition	addition	NOUN
easat-2975	30	5	to	to	ADP
easat-2975	30	6	collecting	collect	VERB
easat-2975	30	7	“	"	PUNCT
easat-2975	30	8	hard	hard	ADJ
easat-2975	30	9	information	information	NOUN
easat-2975	30	10	”	"	PUNCT
easat-2975	30	11	(	(	PUNCT
easat-2975	30	12	e.g.	e.g.	ADV
easat-2975	30	13	,	,	PUNCT
easat-2975	30	14	financial	financial	ADJ
easat-2975	30	15	data	datum	NOUN
easat-2975	30	16	)	)	PUNCT
easat-2975	30	17	on	on	ADP
easat-2975	30	18	the	the	DET
easat-2975	30	19	companies	company	NOUN
easat-2975	30	20	,	,	PUNCT
easat-2975	30	21	the	the	DET
easat-2975	30	22	2012	2012	NUM
easat-2975	30	23	survey	survey	NOUN
easat-2975	30	24	also	also	ADV
easat-2975	30	25	asked	ask	VERB
easat-2975	30	26	a	a	DET
easat-2975	30	27	wide	wide	ADJ
easat-2975	30	28	range	range	NOUN
easat-2975	30	29	of	of	ADP
easat-2975	30	30	questions	question	NOUN
easat-2975	30	31	relating	relate	VERB
easat-2975	30	32	to	to	ADP
easat-2975	30	33	the	the	DET
easat-2975	30	34	activities	activity	NOUN
easat-2975	30	35	of	of	ADP
easat-2975	30	36	loan	loan	NOUN
easat-2975	30	37	officer	officer	NOUN
easat-2975	30	38	,	,	PUNCT
easat-2975	30	39	soft	soft	ADJ
easat-2975	30	40	information	information	NOUN
easat-2975	30	41	(	(	PUNCT
easat-2975	30	42	attributes	attribute	VERB
easat-2975	30	43	on	on	ADP
easat-2975	30	44	the	the	DET
easat-2975	30	45	company	company	NOUN
easat-2975	30	46	and	and	CCONJ
easat-2975	30	47	the	the	DET
easat-2975	30	48	business	business	NOUN
easat-2975	30	49	operator	operator	NOUN
easat-2975	30	50	)	)	PUNCT
easat-2975	30	51	,	,	PUNCT
easat-2975	30	52	business	business	NOUN
easat-2975	30	53	relationship	relationship	NOUN
easat-2975	30	54	with	with	ADP
easat-2975	30	55	financial	financial	ADJ
easat-2975	30	56	institutions	institution	NOUN
easat-2975	30	57	,	,	PUNCT
easat-2975	30	58	company	company	NOUN
easat-2975	30	59	’s	’s	PART
easat-2975	30	60	business	business	NOUN
easat-2975	30	61	challenges	challenge	NOUN
easat-2975	30	62	,	,	PUNCT
easat-2975	30	63	initiatives	initiative	NOUN
easat-2975	30	64	for	for	ADP
easat-2975	30	65	innovation	innovation	NOUN
easat-2975	30	66	,	,	PUNCT
easat-2975	30	67	and	and	CCONJ
easat-2975	30	68	desired	desire	VERB
easat-2975	30	69	government	government	NOUN
easat-2975	30	70	policies	policy	NOUN
easat-2975	30	71	.	.	PUNCT
easat-2975	31	1	this	this	DET
easat-2975	31	2	paper	paper	NOUN
easat-2975	31	3	will	will	AUX
easat-2975	31	4	focus	focus	VERB
easat-2975	31	5	mainly	mainly	ADV
easat-2975	31	6	on	on	ADP
easat-2975	31	7	the	the	DET
easat-2975	31	8	role	role	NOUN
easat-2975	31	9	of	of	ADP
easat-2975	31	10	loan	loan	NOUN
easat-2975	31	11	officers	officer	NOUN
easat-2975	31	12	in	in	ADP
easat-2975	31	13	relationship	relationship	NOUN
easat-2975	31	14	lending	lending	NOUN
easat-2975	31	15	based	base	VERB
easat-2975	31	16	on	on	ADP
easat-2975	31	17	individual	individual	ADJ
easat-2975	31	18	company	company	NOUN
easat-2975	31	19	data	datum	NOUN
easat-2975	31	20	we	we	PRON
easat-2975	31	21	collected	collect	VERB
easat-2975	31	22	during	during	ADP
easat-2975	31	23	the	the	DET
easat-2975	31	24	survey	survey	NOUN
easat-2975	31	25	.	.	PUNCT
easat-2975	32	1	since	since	SCONJ
easat-2975	32	2	a	a	DET
easat-2975	32	3	similar	similar	ADJ
easat-2975	32	4	survey	survey	NOUN
easat-2975	32	5	(	(	PUNCT
easat-2975	32	6	albeit	albeit	SCONJ
easat-2975	32	7	with	with	ADP
easat-2975	32	8	slightly	slightly	ADV
easat-2975	32	9	different	different	ADJ
easat-2975	32	10	questions	question	NOUN
easat-2975	32	11	)	)	PUNCT
easat-2975	32	12	was	be	AUX
easat-2975	32	13	also	also	ADV
easat-2975	32	14	conducted	conduct	VERB
easat-2975	32	15	in	in	ADP
easat-2975	32	16	2010	2010	NUM
easat-2975	32	17	and	and	CCONJ
easat-2975	32	18	2011	2011	NUM
easat-2975	32	19	,	,	PUNCT
easat-2975	32	20	we	we	PRON
easat-2975	32	21	know	know	VERB
easat-2975	32	22	the	the	DET
easat-2975	32	23	quality	quality	NOUN
easat-2975	32	24	of	of	ADP
easat-2975	32	25	the	the	DET
easat-2975	32	26	2012	2012	NUM
easat-2975	32	27	survey	survey	NOUN
easat-2975	32	28	is	be	AUX
easat-2975	32	29	reliable	reliable	ADJ
easat-2975	32	30	because	because	SCONJ
easat-2975	32	31	its	its	PRON
easat-2975	32	32	findings	finding	NOUN
easat-2975	32	33	are	be	AUX
easat-2975	32	34	consistent	consistent	ADJ
easat-2975	32	35	with	with	ADP
easat-2975	32	36	the	the	DET
easat-2975	32	37	previous	previous	ADJ
easat-2975	32	38	two	two	NUM
easat-2975	32	39	years	year	NOUN
easat-2975	32	40	’	'	PUNCT
easat-2975	32	41	surveys	survey	NOUN
easat-2975	32	42	.	.	PUNCT
easat-2975	33	1	given	give	VERB
easat-2975	33	2	that	that	DET
easat-2975	33	3	soft	soft	ADJ
easat-2975	33	4	information	information	NOUN
easat-2975	33	5	is	be	AUX
easat-2975	33	6	considered	consider	VERB
easat-2975	33	7	necessary	necessary	ADJ
easat-2975	33	8	in	in	ADP
easat-2975	33	9	relationship	relationship	NOUN
easat-2975	33	10	lending	lending	NOUN
easat-2975	33	11	,	,	PUNCT
easat-2975	33	12	as	as	SCONJ
easat-2975	33	13	described	describe	VERB
easat-2975	33	14	above	above	ADV
easat-2975	33	15	,	,	PUNCT
easat-2975	33	16	we	we	PRON
easat-2975	33	17	propose	propose	VERB
easat-2975	33	18	the	the	DET
easat-2975	33	19	following	follow	VERB
easat-2975	33	20	two	two	NUM
easat-2975	33	21	hypotheses	hypothesis	NOUN
easat-2975	33	22	regarding	regard	VERB
easat-2975	33	23	the	the	DET
easat-2975	33	24	role	role	NOUN
easat-2975	33	25	of	of	ADP
easat-2975	33	26	loan	loan	NOUN
easat-2975	33	27	officers	officer	NOUN
easat-2975	33	28	.	.	PUNCT
easat-2975	34	1	the	the	DET
easat-2975	34	2	first	first	ADJ
easat-2975	34	3	(	(	PUNCT
easat-2975	34	4	hypothesis	hypothesis	NOUN
easat-2975	34	5	1	1	NUM
easat-2975	34	6	)	)	PUNCT
easat-2975	34	7	is	be	AUX
easat-2975	34	8	that	that	SCONJ
easat-2975	34	9	loan	loan	NOUN
easat-2975	34	10	officers	officer	NOUN
easat-2975	34	11	are	be	AUX
easat-2975	34	12	essential	essential	ADJ
easat-2975	34	13	in	in	ADP
easat-2975	34	14	generating	generate	VERB
easat-2975	34	15	soft	soft	ADJ
easat-2975	34	16	information	information	NOUN
easat-2975	34	17	in	in	ADP
easat-2975	34	18	relationship	relationship	NOUN
easat-2975	34	19	lending	lending	NOUN
easat-2975	34	20	.	.	PUNCT
easat-2975	35	1	for	for	ADP
easat-2975	35	2	this	this	DET
easat-2975	35	3	hypothesis	hypothesis	NOUN
easat-2975	35	4	,	,	PUNCT
easat-2975	35	5	we	we	PRON
easat-2975	35	6	will	will	AUX
easat-2975	35	7	use	use	VERB
easat-2975	35	8	our	our	PRON
easat-2975	35	9	company	company	NOUN
easat-2975	35	10	survey	survey	NOUN
easat-2975	35	11	data	datum	NOUN
easat-2975	35	12	to	to	PART
easat-2975	35	13	explain	explain	VERB
easat-2975	35	14	loan	loan	NOUN
easat-2975	35	15	officers	officer	NOUN
easat-2975	35	16	’	’	PART
easat-2975	35	17	activities	activity	NOUN
easat-2975	35	18	while	while	SCONJ
easat-2975	35	19	generating	generate	VERB
easat-2975	35	20	soft	soft	ADJ
easat-2975	35	21	information	information	NOUN
easat-2975	35	22	and	and	CCONJ
easat-2975	35	23	verifying	verify	VERB
easat-2975	35	24	their	their	PRON
easat-2975	35	25	role	role	NOUN
easat-2975	35	26	.	.	PUNCT
easat-2975	36	1	it	it	PRON
easat-2975	36	2	is	be	AUX
easat-2975	36	3	represented	represent	VERB
easat-2975	36	4	by	by	ADP
easat-2975	36	5	equation	equation	NOUN
easat-2975	36	6	(	(	PUNCT
easat-2975	36	7	1	1	NUM
easat-2975	36	8	)	)	PUNCT
easat-2975	36	9	as	as	SCONJ
easat-2975	36	10	follows	follow	VERB
easat-2975	36	11	:	:	PUNCT
easat-2975	36	12	amount	amount	NOUN
easat-2975	36	13	of	of	ADP
easat-2975	36	14	soft	soft	ADJ
easat-2975	36	15	information	information	NOUN
easat-2975	37	1	=	=	SYM
easat-2975	37	2	f	f	PROPN
easat-2975	37	3	(	(	PUNCT
easat-2975	37	4	characteristic	characteristic	ADJ
easat-2975	37	5	and	and	CCONJ
easat-2975	37	6	activities	activity	NOUN
easat-2975	37	7	of	of	ADP
easat-2975	37	8	the	the	DET
easat-2975	37	9	loan	loan	NOUN
easat-2975	37	10	officer	officer	NOUN
easat-2975	37	11	,	,	PUNCT
easat-2975	37	12	strength	strength	NOUN
easat-2975	37	13	of	of	ADP
easat-2975	37	14	the	the	DET
easat-2975	37	15	relationship	relationship	NOUN
easat-2975	37	16	,	,	PUNCT
easat-2975	37	17	control	control	NOUN
easat-2975	37	18	variable	variable	NOUN
easat-2975	37	19	)	)	PUNCT
easat-2975	37	20	(	(	PUNCT
easat-2975	37	21	1	1	X
easat-2975	37	22	)	)	PUNCT
easat-2975	37	23	in	in	ADP
easat-2975	37	24	other	other	ADJ
easat-2975	37	25	words	word	NOUN
easat-2975	37	26	,	,	PUNCT
easat-2975	37	27	the	the	DET
easat-2975	37	28	dependent	dependent	ADJ
easat-2975	37	29	variable	variable	NOUN
easat-2975	37	30	in	in	ADP
easat-2975	37	31	hypothesis	hypothesis	NOUN
easat-2975	37	32	1	1	NUM
easat-2975	37	33	is	be	AUX
easat-2975	37	34	soft	soft	ADJ
easat-2975	37	35	information	information	NOUN
easat-2975	37	36	(	(	PUNCT
easat-2975	37	37	soft	soft	ADJ
easat-2975	37	38	)	)	PUNCT
easat-2975	37	39	.	.	PUNCT
easat-2975	38	1	independent	independent	ADJ
easat-2975	38	2	variables	variable	NOUN
easat-2975	38	3	include	include	VERB
easat-2975	38	4	the	the	DET
easat-2975	38	5	loan	loan	NOUN
easat-2975	38	6	officer	officer	NOUN
easat-2975	38	7	’s	’s	PART
easat-2975	38	8	characteristics	characteristic	NOUN
easat-2975	38	9	and	and	CCONJ
easat-2975	38	10	activities	activity	NOUN
easat-2975	38	11	to	to	PART
easat-2975	38	12	produce	produce	VERB
easat-2975	38	13	soft	soft	ADJ
easat-2975	38	14	information	information	NOUN
easat-2975	38	15	,	,	PUNCT
easat-2975	38	16	various	various	ADJ
easat-2975	38	17	variables	variable	NOUN
easat-2975	38	18	to	to	PART
easat-2975	38	19	represent	represent	VERB
easat-2975	38	20	the	the	DET
easat-2975	38	21	strength	strength	NOUN
easat-2975	38	22	of	of	ADP
easat-2975	38	23	the	the	DET
easat-2975	38	24	relationship	relationship	NOUN
easat-2975	38	25	,	,	PUNCT
easat-2975	38	26	the	the	DET
easat-2975	38	27	variables	variable	NOUN
easat-2975	38	28	to	to	PART
easat-2975	38	29	remove	remove	VERB
easat-2975	38	30	the	the	DET
easat-2975	38	31	complex	complex	ADJ
easat-2975	38	32	information	information	NOUN
easat-2975	38	33	on	on	ADP
easat-2975	38	34	the	the	DET
easat-2975	38	35	company	company	NOUN
easat-2975	38	36	,	,	PUNCT
easat-2975	38	37	and	and	CCONJ
easat-2975	38	38	different	different	ADJ
easat-2975	38	39	control	control	NOUN
easat-2975	38	40	variables	variable	NOUN
easat-2975	38	41	to	to	PART
easat-2975	38	42	represent	represent	VERB
easat-2975	38	43	the	the	DET
easat-2975	38	44	company	company	NOUN
easat-2975	38	45	’s	’s	PART
easat-2975	38	46	characteristics	characteristic	NOUN
easat-2975	38	47	.	.	PUNCT
easat-2975	39	1	the	the	DET
easat-2975	39	2	following	follow	VERB
easat-2975	39	3	hypothesis	hypothesis	NOUN
easat-2975	39	4	(	(	PUNCT
easat-2975	39	5	hypothesis	hypothesis	NOUN
easat-2975	39	6	2	2	NUM
easat-2975	39	7	)	)	PUNCT
easat-2975	39	8	is	be	AUX
easat-2975	39	9	that	that	SCONJ
easat-2975	39	10	if	if	SCONJ
easat-2975	39	11	soft	soft	ADJ
easat-2975	39	12	information	information	NOUN
easat-2975	39	13	is	be	AUX
easat-2975	39	14	accumulated	accumulate	VERB
easat-2975	39	15	,	,	PUNCT
easat-2975	39	16	it	it	PRON
easat-2975	39	17	must	must	AUX
easat-2975	39	18	benefit	benefit	VERB
easat-2975	39	19	a	a	DET
easat-2975	39	20	company	company	NOUN
easat-2975	39	21	through	through	ADP
easat-2975	39	22	loan	loan	NOUN
easat-2975	39	23	officers	officer	NOUN
easat-2975	39	24	’	’	PART
easat-2975	39	25	role	role	NOUN
easat-2975	39	26	in	in	ADP
easat-2975	39	27	obtaining	obtain	VERB
easat-2975	39	28	financing	financing	NOUN
easat-2975	39	29	.	.	PUNCT
easat-2975	40	1	it	it	PRON
easat-2975	40	2	is	be	AUX
easat-2975	40	3	expressed	express	VERB
easat-2975	40	4	in	in	ADP
easat-2975	40	5	equation	equation	NOUN
easat-2975	40	6	(	(	PUNCT
easat-2975	40	7	2	2	NUM
easat-2975	40	8	)	)	PUNCT
easat-2975	40	9	as	as	SCONJ
easat-2975	40	10	follows	follow	VERB
easat-2975	40	11	:	:	PUNCT
easat-2975	40	12	benefit	benefit	NOUN
easat-2975	40	13	of	of	ADP
easat-2975	40	14	the	the	DET
easat-2975	40	15	relationship	relationship	NOUN
easat-2975	40	16	=	=	PUNCT
easat-2975	40	17	g	g	NOUN
easat-2975	40	18	(	(	PUNCT
easat-2975	40	19	amount	amount	NOUN
easat-2975	40	20	of	of	ADP
easat-2975	40	21	soft	soft	ADJ
easat-2975	40	22	information	information	NOUN
easat-2975	40	23	,	,	PUNCT
easat-2975	40	24	control	control	NOUN
easat-2975	40	25	variables	variable	NOUN
easat-2975	40	26	)	)	PUNCT
easat-2975	40	27	(	(	PUNCT
easat-2975	40	28	2	2	X
easat-2975	40	29	)	)	PUNCT
easat-2975	40	30	in	in	ADP
easat-2975	40	31	other	other	ADJ
easat-2975	40	32	words	word	NOUN
easat-2975	40	33	,	,	PUNCT
easat-2975	40	34	the	the	DET
easat-2975	40	35	dependent	dependent	ADJ
easat-2975	40	36	variable	variable	NOUN
easat-2975	40	37	of	of	ADP
easat-2975	40	38	hypothesis	hypothesis	NOUN
easat-2975	40	39	2	2	NUM
easat-2975	40	40	is	be	AUX
easat-2975	40	41	the	the	DET
easat-2975	40	42	benefit	benefit	NOUN
easat-2975	40	43	of	of	ADP
easat-2975	40	44	the	the	DET
easat-2975	40	45	relationship	relationship	NOUN
easat-2975	40	46	.	.	PUNCT
easat-2975	41	1	as	as	ADP
easat-2975	41	2	independent	independent	ADJ
easat-2975	41	3	variables	variable	NOUN
easat-2975	41	4	,	,	PUNCT
easat-2975	41	5	the	the	DET
easat-2975	41	6	equation	equation	NOUN
easat-2975	41	7	uses	use	VERB
easat-2975	41	8	soft	soft	ADJ
easat-2975	41	9	information	information	NOUN
easat-2975	41	10	(	(	PUNCT
easat-2975	41	11	soft	soft	ADJ
easat-2975	41	12	)	)	PUNCT
easat-2975	41	13	,	,	PUNCT
easat-2975	41	14	the	the	DET
easat-2975	41	15	dependent	dependent	ADJ
easat-2975	41	16	variable	variable	NOUN
easat-2975	41	17	in	in	ADP
easat-2975	41	18	hypothesis	hypothesis	NOUN
easat-2975	41	19	1	1	NUM
easat-2975	41	20	,	,	PUNCT
easat-2975	41	21	and	and	CCONJ
easat-2975	41	22	various	various	ADJ
easat-2975	41	23	variables	variable	NOUN
easat-2975	41	24	to	to	PART
easat-2975	41	25	represent	represent	VERB
easat-2975	41	26	the	the	DET
easat-2975	41	27	strength	strength	NOUN
easat-2975	41	28	of	of	ADP
easat-2975	41	29	the	the	DET
easat-2975	41	30	relationship	relationship	NOUN
easat-2975	41	31	and	and	CCONJ
easat-2975	41	32	various	various	ADJ
easat-2975	41	33	control	control	NOUN
easat-2975	41	34	variables	variable	NOUN
easat-2975	41	35	that	that	PRON
easat-2975	41	36	represent	represent	VERB
easat-2975	41	37	the	the	DET
easat-2975	41	38	company	company	NOUN
easat-2975	41	39	’s	’s	PART
easat-2975	41	40	characteristics	characteristic	NOUN
easat-2975	41	41	.	.	PUNCT
easat-2975	42	1	under	under	ADP
easat-2975	42	2	these	these	DET
easat-2975	42	3	two	two	NUM
easat-2975	42	4	hypotheses	hypothesis	NOUN
easat-2975	42	5	,	,	PUNCT
easat-2975	42	6	the	the	DET
easat-2975	42	7	important	important	ADJ
easat-2975	42	8	thing	thing	NOUN
easat-2975	42	9	is	be	AUX
easat-2975	42	10	how	how	SCONJ
easat-2975	42	11	to	to	PART
easat-2975	42	12	measure	measure	VERB
easat-2975	42	13	soft	soft	ADJ
easat-2975	42	14	information	information	NOUN
easat-2975	42	15	(	(	PUNCT
easat-2975	42	16	soft	soft	ADJ
easat-2975	42	17	)	)	PUNCT
easat-2975	42	18	.	.	PUNCT
easat-2975	43	1	following	follow	VERB
easat-2975	43	2	scott	scott	PROPN
easat-2975	43	3	(	(	PUNCT
easat-2975	43	4	2004	2004	NUM
easat-2975	43	5	)	)	PUNCT
easat-2975	43	6	and	and	CCONJ
easat-2975	43	7	uchida	uchida	PROPN
easat-2975	43	8	,	,	PUNCT
easat-2975	43	9	udell	udell	PROPN
easat-2975	43	10	,	,	PUNCT
easat-2975	43	11	and	and	CCONJ
easat-2975	43	12	yamori	yamori	NOUN
easat-2975	43	13	(	(	PUNCT
easat-2975	43	14	2012	2012	NUM
easat-2975	43	15	)	)	PUNCT
easat-2975	43	16	,	,	PUNCT
easat-2975	43	17	we	we	PRON
easat-2975	43	18	prepared	prepare	VERB
easat-2975	43	19	six	six	NUM
easat-2975	43	20	questions	question	NOUN
easat-2975	43	21	to	to	PART
easat-2975	43	22	have	have	VERB
easat-2975	43	23	companies	company	NOUN
easat-2975	43	24	rate	rate	VERB
easat-2975	43	25	how	how	SCONJ
easat-2975	43	26	well	well	ADV
easat-2975	43	27	the	the	DET
easat-2975	43	28	financial	financial	ADJ
easat-2975	43	29	institutions	institution	NOUN
easat-2975	43	30	know	know	VERB
easat-2975	43	31	about	about	ADP
easat-2975	43	32	them	they	PRON
easat-2975	43	33	.	.	PUNCT
easat-2975	44	1	the	the	DET
easat-2975	44	2	six	six	NUM
easat-2975	44	3	questions	question	NOUN
easat-2975	44	4	are	be	AUX
easat-2975	44	5	:	:	PUNCT
easat-2975	44	6	1	1	X
easat-2975	44	7	)	)	PUNCT
easat-2975	44	8	whether	whether	SCONJ
easat-2975	44	9	they	they	PRON
easat-2975	44	10	know	know	VERB
easat-2975	44	11	your	your	PRON
easat-2975	44	12	company	company	NOUN
easat-2975	44	13	,	,	PUNCT
easat-2975	44	14	2	2	NUM
easat-2975	44	15	)	)	PUNCT
easat-2975	44	16	whether	whether	SCONJ
easat-2975	44	17	they	they	PRON
easat-2975	44	18	know	know	VERB
easat-2975	44	19	your	your	PRON
easat-2975	44	20	company	company	NOUN
easat-2975	44	21	’s	’s	PART
easat-2975	44	22	management	management	NOUN
easat-2975	44	23	team	team	NOUN
easat-2975	44	24	and	and	CCONJ
easat-2975	44	25	owner	owner	NOUN
easat-2975	44	26	,	,	PUNCT
easat-2975	44	27	3	3	NUM
easat-2975	44	28	)	)	PUNCT
easat-2975	44	29	whether	whether	SCONJ
easat-2975	44	30	they	they	PRON
easat-2975	44	31	know	know	VERB
easat-2975	44	32	the	the	DET
easat-2975	44	33	industry	industry	NOUN
easat-2975	44	34	your	your	PRON
easat-2975	44	35	company	company	NOUN
easat-2975	44	36	belongs	belong	VERB
easat-2975	44	37	to	to	ADP
easat-2975	44	38	,	,	PUNCT
easat-2975	44	39	4	4	X
easat-2975	44	40	)	)	PUNCT
easat-2975	44	41	whether	whether	SCONJ
easat-2975	44	42	they	they	PRON
easat-2975	44	43	know	know	VERB
easat-2975	44	44	the	the	DET
easat-2975	44	45	market	market	NOUN
easat-2975	44	46	your	your	PRON
easat-2975	44	47	company	company	NOUN
easat-2975	44	48	is	be	AUX
easat-2975	44	49	involved	involve	VERB
easat-2975	44	50	in	in	ADP
easat-2975	44	51	,	,	PUNCT
easat-2975	44	52	5	5	X
easat-2975	44	53	)	)	PUNCT
easat-2975	44	54	whether	whether	SCONJ
easat-2975	44	55	they	they	PRON
easat-2975	44	56	know	know	VERB
easat-2975	44	57	the	the	DET
easat-2975	44	58	local	local	ADJ
easat-2975	44	59	community	community	NOUN
easat-2975	44	60	your	your	PRON
easat-2975	44	61	company	company	NOUN
easat-2975	44	62	belongs	belong	VERB
easat-2975	44	63	to	to	ADP
easat-2975	44	64	,	,	PUNCT
easat-2975	44	65	and	and	CCONJ
easat-2975	44	66	6	6	X
easat-2975	44	67	)	)	PUNCT
easat-2975	44	68	the	the	DET
easat-2975	44	69	frequency	frequency	NOUN
easat-2975	44	70	of	of	ADP
easat-2975	44	71	daily	daily	ADJ
easat-2975	44	72	contact	contact	NOUN
easat-2975	44	73	between	between	ADP
easat-2975	44	74	your	your	PRON
easat-2975	44	75	company	company	NOUN
easat-2975	44	76	and	and	CCONJ
easat-2975	44	77	the	the	DET
easat-2975	44	78	loan	loan	NOUN
easat-2975	44	79	officer	officer	NOUN
easat-2975	44	80	.	.	PUNCT
easat-2975	45	1	we	we	PRON
easat-2975	45	2	decided	decide	VERB
easat-2975	45	3	to	to	PART
easat-2975	45	4	use	use	VERB
easat-2975	45	5	the	the	DET
easat-2975	45	6	responses	response	NOUN
easat-2975	45	7	to	to	ADP
easat-2975	45	8	each	each	DET
easat-2975	45	9	question	question	NOUN
easat-2975	45	10	based	base	VERB
easat-2975	45	11	on	on	ADP
easat-2975	45	12	a	a	DET
easat-2975	45	13	five	five	NUM
easat-2975	45	14	-	-	PUNCT
easat-2975	45	15	point	point	NOUN
easat-2975	45	16	scale	scale	NOUN
easat-2975	45	17	,	,	PUNCT
easat-2975	45	18	where	where	SCONJ
easat-2975	45	19	1	1	NUM
easat-2975	45	20	means	mean	VERB
easat-2975	45	21	“	"	PUNCT
easat-2975	45	22	does	do	AUX
easat-2975	45	23	n’t	not	PART
easat-2975	45	24	know	know	VERB
easat-2975	45	25	at	at	ADV
easat-2975	45	26	all	all	ADV
easat-2975	45	27	”	"	PUNCT
easat-2975	45	28	and	and	CCONJ
easat-2975	45	29	5	5	NUM
easat-2975	45	30	means	mean	NOUN
easat-2975	45	31	“	"	PUNCT
easat-2975	45	32	knows	know	VERB
easat-2975	45	33	very	very	ADV
easat-2975	45	34	well	well	ADV
easat-2975	45	35	”	"	PUNCT
easat-2975	45	36	to	to	PART
easat-2975	45	37	perform	perform	VERB
easat-2975	45	38	the	the	DET
easat-2975	45	39	principal	principal	ADJ
easat-2975	45	40	component	component	NOUN
easat-2975	45	41	analysis	analysis	NOUN
easat-2975	45	42	and	and	CCONJ
easat-2975	45	43	create	create	VERB
easat-2975	45	44	variables	variable	NOUN
easat-2975	45	45	for	for	ADP
easat-2975	45	46	soft	soft	ADJ
easat-2975	45	47	information.2	information.2	ADP
easat-2975	45	48	2such	2such	NUM
easat-2975	45	49	a	a	DET
easat-2975	45	50	verification	verification	NOUN
easat-2975	45	51	method	method	NOUN
easat-2975	45	52	is	be	AUX
easat-2975	45	53	based	base	VERB
easat-2975	45	54	on	on	ADP
easat-2975	45	55	uchida	uchida	PROPN
easat-2975	45	56	,	,	PUNCT
easat-2975	45	57	udell	udell	PROPN
easat-2975	45	58	,	,	PUNCT
easat-2975	45	59	and	and	CCONJ
easat-2975	45	60	yamori	yamori	NOUN
easat-2975	45	61	(	(	PUNCT
easat-2975	45	62	2012	2012	NUM
easat-2975	45	63	)	)	PUNCT
easat-2975	45	64	.	.	PUNCT
easat-2975	46	1	4472	4472	NUM
easat-2975	46	2	edelweiss	edelweiss	PROPN
easat-2975	46	3	applied	apply	VERB
easat-2975	46	4	science	science	NOUN
easat-2975	46	5	and	and	CCONJ
easat-2975	46	6	technology	technology	NOUN
easat-2975	46	7	issn	issn	PROPN
easat-2975	46	8	:	:	PUNCT
easat-2975	46	9	2576	2576	NUM
easat-2975	46	10	-	-	SYM
easat-2975	46	11	8484	8484	NUM
easat-2975	46	12	vol	vol	NOUN
easat-2975	46	13	.	.	PROPN
easat-2975	46	14	8	8	NUM
easat-2975	46	15	,	,	PUNCT
easat-2975	46	16	no	no	INTJ
easat-2975	46	17	.	.	NOUN
easat-2975	47	1	6	6	NUM
easat-2975	47	2	:	:	SYM
easat-2975	47	3	4470	4470	NUM
easat-2975	47	4	-	-	SYM
easat-2975	47	5	4478	4478	NUM
easat-2975	47	6	,	,	PUNCT
easat-2975	47	7	2024	2024	NUM
easat-2975	47	8	doi	doi	NOUN
easat-2975	47	9	:	:	PUNCT
easat-2975	47	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	47	11	©	©	ADP
easat-2975	47	12	2024	2024	NUM
easat-2975	47	13	by	by	ADP
easat-2975	47	14	the	the	DET
easat-2975	47	15	authors	author	NOUN
easat-2975	47	16	;	;	PUNCT
easat-2975	47	17	licensee	licensee	PROPN
easat-2975	47	18	learning	learn	VERB
easat-2975	47	19	gate	gate	PROPN
easat-2975	47	20	table	table	NOUN
easat-2975	47	21	1	1	NUM
easat-2975	47	22	shows	show	VERB
easat-2975	47	23	the	the	DET
easat-2975	47	24	percentages	percentage	NOUN
easat-2975	47	25	of	of	ADP
easat-2975	47	26	how	how	SCONJ
easat-2975	47	27	each	each	DET
easat-2975	47	28	company	company	NOUN
easat-2975	47	29	rated	rate	VERB
easat-2975	47	30	the	the	DET
easat-2975	47	31	six	six	NUM
easat-2975	47	32	items	item	NOUN
easat-2975	47	33	based	base	VERB
easat-2975	47	34	on	on	ADP
easat-2975	47	35	a	a	DET
easat-2975	47	36	five	five	NUM
easat-2975	47	37	-	-	PUNCT
easat-2975	47	38	point	point	NOUN
easat-2975	47	39	scale	scale	NOUN
easat-2975	47	40	.	.	PUNCT
easat-2975	48	1	according	accord	VERB
easat-2975	48	2	to	to	ADP
easat-2975	48	3	the	the	DET
easat-2975	48	4	table	table	NOUN
easat-2975	48	5	,	,	PUNCT
easat-2975	48	6	the	the	DET
easat-2975	48	7	most	most	ADV
easat-2975	48	8	chosen	choose	VERB
easat-2975	48	9	rating	rating	NOUN
easat-2975	48	10	category	category	NOUN
easat-2975	48	11	was	be	AUX
easat-2975	48	12	3	3	NUM
easat-2975	48	13	(	(	PUNCT
easat-2975	48	14	knows	know	VERB
easat-2975	48	15	)	)	PUNCT
easat-2975	48	16	for	for	ADP
easat-2975	48	17	all	all	DET
easat-2975	48	18	items	item	NOUN
easat-2975	48	19	,	,	PUNCT
easat-2975	48	20	except	except	SCONJ
easat-2975	48	21	for	for	ADP
easat-2975	48	22	item	item	NOUN
easat-2975	48	23	5	5	NUM
easat-2975	48	24	;	;	PUNCT
easat-2975	48	25	in	in	ADP
easat-2975	48	26	general	general	ADJ
easat-2975	48	27	,	,	PUNCT
easat-2975	48	28	many	many	ADJ
easat-2975	48	29	companies	company	NOUN
easat-2975	48	30	rated	rate	VERB
easat-2975	48	31	financial	financial	ADJ
easat-2975	48	32	institutions	institution	NOUN
easat-2975	48	33	as	as	ADP
easat-2975	48	34	3	3	NUM
easat-2975	48	35	or	or	CCONJ
easat-2975	48	36	4	4	NUM
easat-2975	48	37	.	.	PUNCT
easat-2975	49	1	furthermore	furthermore	ADV
easat-2975	49	2	,	,	PUNCT
easat-2975	49	3	among	among	ADP
easat-2975	49	4	the	the	DET
easat-2975	49	5	six	six	NUM
easat-2975	49	6	items	item	NOUN
easat-2975	49	7	,	,	PUNCT
easat-2975	49	8	item	item	NOUN
easat-2975	49	9	1	1	NUM
easat-2975	49	10	had	have	VERB
easat-2975	49	11	the	the	DET
easat-2975	49	12	highest	high	ADJ
easat-2975	49	13	mean	mean	ADJ
easat-2975	49	14	score	score	NOUN
easat-2975	49	15	of	of	ADP
easat-2975	49	16	3.43	3.43	NUM
easat-2975	49	17	,	,	PUNCT
easat-2975	49	18	whereas	whereas	SCONJ
easat-2975	49	19	item	item	NOUN
easat-2975	49	20	4	4	NUM
easat-2975	49	21	had	have	VERB
easat-2975	49	22	the	the	DET
easat-2975	49	23	lowest	low	ADJ
easat-2975	49	24	mean	mean	ADJ
easat-2975	49	25	score	score	NOUN
easat-2975	49	26	of	of	ADP
easat-2975	49	27	3.04	3.04	NUM
easat-2975	49	28	.	.	PUNCT
easat-2975	50	1	the	the	DET
easat-2975	50	2	first	first	ADJ
easat-2975	50	3	principal	principal	ADJ
easat-2975	50	4	component	component	NOUN
easat-2975	50	5	obtained	obtain	VERB
easat-2975	50	6	from	from	ADP
easat-2975	50	7	the	the	DET
easat-2975	50	8	principal	principal	ADJ
easat-2975	50	9	component	component	NOUN
easat-2975	50	10	analysis	analysis	NOUN
easat-2975	50	11	using	use	VERB
easat-2975	50	12	the	the	DET
easat-2975	50	13	rating	rating	NOUN
easat-2975	50	14	scores	score	NOUN
easat-2975	50	15	for	for	ADP
easat-2975	50	16	the	the	DET
easat-2975	50	17	six	six	NUM
easat-2975	50	18	items	item	NOUN
easat-2975	50	19	described	describe	VERB
easat-2975	50	20	above	above	ADV
easat-2975	50	21	is	be	AUX
easat-2975	50	22	the	the	DET
easat-2975	50	23	soft	soft	ADJ
easat-2975	50	24	information	information	NOUN
easat-2975	50	25	(	(	PUNCT
easat-2975	50	26	soft	soft	ADJ
easat-2975	50	27	)	)	PUNCT
easat-2975	50	28	dependent	dependent	ADJ
easat-2975	50	29	variable.3	variable.3	ADJ
easat-2975	50	30	table	table	NOUN
easat-2975	50	31	1	1	NUM
easat-2975	50	32	.	.	PUNCT
easat-2975	50	33	items	item	NOUN
easat-2975	50	34	for	for	ADP
easat-2975	50	35	companies	company	NOUN
easat-2975	50	36	to	to	PART
easat-2975	50	37	rate	rate	VERB
easat-2975	50	38	financial	financial	ADJ
easat-2975	50	39	institutions	institution	NOUN
easat-2975	50	40	.	.	PUNCT
easat-2975	51	1	rating	rating	NOUN
easat-2975	51	2	items	item	NOUN
easat-2975	51	3	1	1	NUM
easat-2975	51	4	.	.	PUNCT
easat-2975	51	5	does	do	AUX
easat-2975	51	6	n’t	not	PART
easat-2975	51	7	know	know	VERB
easat-2975	51	8	at	at	ADV
easat-2975	51	9	all	all	DET
easat-2975	51	10	2	2	NUM
easat-2975	51	11	.	.	PUNCT
easat-2975	51	12	does	do	AUX
easat-2975	51	13	n’t	not	PART
easat-2975	51	14	know	know	VERB
easat-2975	51	15	well	well	INTJ
easat-2975	52	1	3	3	NUM
easat-2975	52	2	.	.	PUNCT
easat-2975	52	3	knows	know	VERB
easat-2975	52	4	4	4	NUM
easat-2975	52	5	.	.	NUM
easat-2975	52	6	knows	know	VERB
easat-2975	52	7	well	well	ADV
easat-2975	52	8	5	5	NUM
easat-2975	52	9	.	.	PUNCT
easat-2975	52	10	knows	know	VERB
easat-2975	52	11	very	very	ADV
easat-2975	52	12	well	well	ADV
easat-2975	52	13	total	total	ADJ
easat-2975	52	14	(	(	PUNCT
easat-2975	52	15	mean	mean	ADJ
easat-2975	52	16	)	)	PUNCT
easat-2975	52	17	1	1	NUM
easat-2975	52	18	)	)	PUNCT
easat-2975	52	19	knows	know	VERB
easat-2975	52	20	your	your	PRON
easat-2975	52	21	company	company	NOUN
easat-2975	52	22	2.3	2.3	NUM
easat-2975	52	23	13.2	13.2	NUM
easat-2975	52	24	36.4	36.4	NUM
easat-2975	52	25	35.7	35.7	NUM
easat-2975	52	26	12.4	12.4	NUM
easat-2975	52	27	100	100	NUM
easat-2975	52	28	%	%	NOUN
easat-2975	52	29	(	(	PUNCT
easat-2975	52	30	3.43	3.43	NUM
easat-2975	52	31	)	)	PUNCT
easat-2975	52	32	2	2	NUM
easat-2975	52	33	)	)	PUNCT
easat-2975	52	34	knows	know	VERB
easat-2975	52	35	your	your	PRON
easat-2975	52	36	company	company	NOUN
easat-2975	52	37	’s	’s	PART
easat-2975	52	38	owner	owner	NOUN
easat-2975	52	39	and	and	CCONJ
easat-2975	52	40	management	management	NOUN
easat-2975	52	41	team	team	NOUN
easat-2975	52	42	1.6	1.6	NUM
easat-2975	52	43	18.6	18.6	NUM
easat-2975	52	44	41.1	41.1	NUM
easat-2975	52	45	26.4	26.4	NUM
easat-2975	52	46	12.4	12.4	NUM
easat-2975	52	47	100	100	NUM
easat-2975	52	48	%	%	NOUN
easat-2975	52	49	(	(	PUNCT
easat-2975	52	50	3.29	3.29	NUM
easat-2975	52	51	)	)	PUNCT
easat-2975	52	52	3	3	NUM
easat-2975	52	53	)	)	PUNCT
easat-2975	52	54	knows	know	VERB
easat-2975	52	55	your	your	PRON
easat-2975	52	56	company	company	NOUN
easat-2975	52	57	’s	’s	PART
easat-2975	52	58	industry	industry	NOUN
easat-2975	52	59	1.6	1.6	NUM
easat-2975	52	60	22.5	22.5	NUM
easat-2975	52	61	41.1	41.1	NUM
easat-2975	52	62	14.0	14.0	NUM
easat-2975	52	63	20.9	20.9	NUM
easat-2975	52	64	100	100	NUM
easat-2975	52	65	%	%	NOUN
easat-2975	52	66	(	(	PUNCT
easat-2975	52	67	3.30	3.30	NUM
easat-2975	52	68	)	)	PUNCT
easat-2975	52	69	4	4	NUM
easat-2975	52	70	)	)	PUNCT
easat-2975	52	71	knows	know	VERB
easat-2975	52	72	the	the	DET
easat-2975	52	73	markets	market	NOUN
easat-2975	52	74	related	relate	VERB
easat-2975	52	75	to	to	ADP
easat-2975	52	76	your	your	PRON
easat-2975	52	77	company	company	NOUN
easat-2975	52	78	1.6	1.6	NUM
easat-2975	52	79	26.4	26.4	NUM
easat-2975	52	80	41.9	41.9	NUM
easat-2975	52	81	27.1	27.1	NUM
easat-2975	52	82	3.1	3.1	NUM
easat-2975	52	83	100	100	NUM
easat-2975	52	84	%	%	NOUN
easat-2975	52	85	(	(	PUNCT
easat-2975	52	86	3.04	3.04	NUM
easat-2975	52	87	)	)	PUNCT
easat-2975	52	88	5	5	NUM
easat-2975	52	89	)	)	PUNCT
easat-2975	52	90	knows	know	VERB
easat-2975	52	91	the	the	DET
easat-2975	52	92	local	local	ADJ
easat-2975	52	93	community	community	NOUN
easat-2975	52	94	your	your	PRON
easat-2975	52	95	company	company	NOUN
easat-2975	52	96	belongs	belong	VERB
easat-2975	52	97	to	to	ADP
easat-2975	52	98	3.1	3.1	NUM
easat-2975	52	99	17.1	17.1	NUM
easat-2975	52	100	33.3	33.3	NUM
easat-2975	52	101	39.5	39.5	NUM
easat-2975	52	102	7.0	7.0	NUM
easat-2975	52	103	100	100	NUM
easat-2975	52	104	%	%	NOUN
easat-2975	52	105	(	(	PUNCT
easat-2975	52	106	3.30	3.30	NUM
easat-2975	52	107	)	)	PUNCT
easat-2975	52	108	6	6	NUM
easat-2975	52	109	)	)	PUNCT
easat-2975	52	110	frequency	frequency	NOUN
easat-2975	52	111	of	of	ADP
easat-2975	52	112	daily	daily	ADJ
easat-2975	52	113	contact	contact	NOUN
easat-2975	52	114	between	between	ADP
easat-2975	52	115	your	your	PRON
easat-2975	52	116	company	company	NOUN
easat-2975	52	117	and	and	CCONJ
easat-2975	52	118	the	the	DET
easat-2975	52	119	loan	loan	NOUN
easat-2975	52	120	officer	officer	NOUN
easat-2975	52	121	0.8	0.8	NUM
easat-2975	52	122	14.7	14.7	NUM
easat-2975	52	123	48.8	48.8	NUM
easat-2975	52	124	28.7	28.7	NUM
easat-2975	52	125	7.0	7.0	NUM
easat-2975	52	126	100	100	NUM
easat-2975	52	127	%	%	NOUN
easat-2975	52	128	(	(	PUNCT
easat-2975	52	129	3.26	3.26	NUM
easat-2975	52	130	)	)	PUNCT
easat-2975	52	131	note	note	NOUN
easat-2975	52	132	:	:	PUNCT
easat-2975	52	133	sample	sample	NOUN
easat-2975	52	134	size	size	NOUN
easat-2975	52	135	=	=	NOUN
easat-2975	52	136	129	129	NUM
easat-2975	52	137	.	.	PUNCT
easat-2975	52	138	table	table	NOUN
easat-2975	52	139	2	2	NUM
easat-2975	52	140	.	.	PUNCT
easat-2975	52	141	business	business	NOUN
easat-2975	52	142	activities	activity	NOUN
easat-2975	52	143	and	and	CCONJ
easat-2975	52	144	relationship	relationship	NOUN
easat-2975	52	145	with	with	ADP
easat-2975	52	146	the	the	DET
easat-2975	52	147	loan	loan	NOUN
easat-2975	52	148	officer	officer	NOUN
easat-2975	52	149	.	.	PUNCT
easat-2975	53	1	choices	choice	NOUN
easat-2975	53	2	sample	sample	NOUN
easat-2975	53	3	size	size	NOUN
easat-2975	53	4	(	(	PUNCT
easat-2975	53	5	companies	company	NOUN
easat-2975	53	6	)	)	PUNCT
easat-2975	53	7	percentage	percentage	NOUN
easat-2975	53	8	(	(	PUNCT
easat-2975	53	9	%	%	NOUN
easat-2975	53	10	)	)	PUNCT
easat-2975	53	11	replacement	replacement	NOUN
easat-2975	53	12	of	of	ADP
easat-2975	53	13	the	the	DET
easat-2975	53	14	loan	loan	NOUN
easat-2975	53	15	officer	officer	NOUN
easat-2975	53	16	none	none	NOUN
easat-2975	53	17	104	104	NUM
easat-2975	53	18	75.4	75.4	NUM
easat-2975	53	19	once	once	ADV
easat-2975	53	20	24	24	NUM
easat-2975	53	21	17.4	17.4	NUM
easat-2975	53	22	twice	twice	DET
easat-2975	53	23	or	or	CCONJ
easat-2975	53	24	more	more	ADJ
easat-2975	53	25	10	10	NUM
easat-2975	53	26	7.3	7.3	NUM
easat-2975	53	27	total	total	NOUN
easat-2975	53	28	138	138	NUM
easat-2975	53	29	100.0	100.0	NUM
easat-2975	53	30	age	age	NOUN
easat-2975	53	31	of	of	ADP
easat-2975	53	32	the	the	DET
easat-2975	53	33	loan	loan	NOUN
easat-2975	53	34	officer	officer	NOUN
easat-2975	53	35	in	in	ADP
easat-2975	53	36	his	his	PRON
easat-2975	53	37	/	/	SYM
easat-2975	53	38	her	her	PRON
easat-2975	53	39	20s	20	NOUN
easat-2975	53	40	18	18	NUM
easat-2975	53	41	13.1	13.1	NUM
easat-2975	53	42	in	in	ADP
easat-2975	53	43	his	his	PRON
easat-2975	53	44	/	/	SYM
easat-2975	53	45	her	her	PRON
easat-2975	53	46	30s	30	NOUN
easat-2975	53	47	88	88	NUM
easat-2975	53	48	64.2	64.2	NUM
easat-2975	53	49	in	in	ADP
easat-2975	53	50	his	his	PRON
easat-2975	53	51	/	/	SYM
easat-2975	53	52	her	her	PRON
easat-2975	53	53	40s	40	NOUN
easat-2975	53	54	or	or	CCONJ
easat-2975	53	55	older	old	ADJ
easat-2975	53	56	31	31	NUM
easat-2975	53	57	22.6	22.6	NUM
easat-2975	53	58	total	total	NOUN
easat-2975	53	59	137	137	NUM
easat-2975	53	60	100.0	100.0	NUM
easat-2975	53	61	meeting	meeting	NOUN
easat-2975	53	62	place	place	NOUN
easat-2975	53	63	at	at	ADP
easat-2975	53	64	the	the	DET
easat-2975	53	65	company	company	NOUN
easat-2975	53	66	44	44	NUM
easat-2975	53	67	32.4	32.4	NUM
easat-2975	53	68	at	at	ADP
easat-2975	53	69	the	the	DET
easat-2975	53	70	bank	bank	NOUN
easat-2975	53	71	90	90	NUM
easat-2975	53	72	66.2	66.2	NUM
easat-2975	53	73	other	other	ADJ
easat-2975	53	74	2	2	NUM
easat-2975	53	75	1.5	1.5	NUM
easat-2975	53	76	total	total	NOUN
easat-2975	53	77	136	136	NUM
easat-2975	53	78	100.0	100.0	NUM
easat-2975	53	79	contact	contact	NOUN
easat-2975	53	80	method	method	NOUN
easat-2975	53	81	meet	meet	VERB
easat-2975	53	82	in	in	ADP
easat-2975	53	83	person	person	NOUN
easat-2975	53	84	54	54	NUM
easat-2975	53	85	39.4	39.4	NUM
easat-2975	53	86	3	3	NUM
easat-2975	53	87	in	in	ADP
easat-2975	53	88	addition	addition	NOUN
easat-2975	53	89	,	,	PUNCT
easat-2975	53	90	we	we	PRON
easat-2975	53	91	have	have	AUX
easat-2975	53	92	created	create	VERB
easat-2975	53	93	dummy	dummy	ADJ
easat-2975	53	94	variables	variable	NOUN
easat-2975	53	95	,	,	PUNCT
easat-2975	53	96	which	which	PRON
easat-2975	53	97	were	be	AUX
easat-2975	53	98	assigned	assign	VERB
easat-2975	53	99	the	the	DET
easat-2975	53	100	value	value	NOUN
easat-2975	53	101	of	of	ADP
easat-2975	53	102	1	1	NUM
easat-2975	53	103	when	when	SCONJ
easat-2975	53	104	the	the	DET
easat-2975	53	105	response	response	NOUN
easat-2975	53	106	was	be	AUX
easat-2975	53	107	“	"	PUNCT
easat-2975	53	108	quite	quite	ADV
easat-2975	53	109	excellent	excellent	ADJ
easat-2975	53	110	,	,	PUNCT
easat-2975	53	111	”	"	PUNCT
easat-2975	53	112	and	and	CCONJ
easat-2975	53	113	we	we	PRON
easat-2975	53	114	performed	perform	VERB
easat-2975	53	115	the	the	DET
easat-2975	53	116	principal	principal	ADJ
easat-2975	53	117	component	component	NOUN
easat-2975	53	118	analysis	analysis	NOUN
easat-2975	53	119	using	use	VERB
easat-2975	53	120	those	those	DET
easat-2975	53	121	six	six	NUM
easat-2975	53	122	dummy	dummy	ADJ
easat-2975	53	123	variables	variable	NOUN
easat-2975	53	124	to	to	PART
easat-2975	53	125	create	create	VERB
easat-2975	53	126	the	the	DET
easat-2975	53	127	dependent	dependent	ADJ
easat-2975	53	128	variable	variable	NOUN
easat-2975	53	129	soft2	soft2	NOUN
easat-2975	53	130	by	by	ADP
easat-2975	53	131	using	use	VERB
easat-2975	53	132	the	the	DET
easat-2975	53	133	first	first	ADJ
easat-2975	53	134	principal	principal	ADJ
easat-2975	53	135	component	component	NOUN
easat-2975	53	136	obtained	obtain	VERB
easat-2975	53	137	as	as	ADP
easat-2975	53	138	a	a	DET
easat-2975	53	139	result	result	NOUN
easat-2975	53	140	.	.	PUNCT
easat-2975	54	1	however	however	ADV
easat-2975	54	2	,	,	PUNCT
easat-2975	54	3	given	give	VERB
easat-2975	54	4	that	that	DET
easat-2975	54	5	soft	soft	ADJ
easat-2975	54	6	produced	produce	VERB
easat-2975	54	7	more	more	ADJ
easat-2975	54	8	results	result	NOUN
easat-2975	54	9	with	with	ADP
easat-2975	54	10	better	well	ADJ
easat-2975	54	11	quality	quality	NOUN
easat-2975	54	12	,	,	PUNCT
easat-2975	54	13	we	we	PRON
easat-2975	54	14	have	have	AUX
easat-2975	54	15	determined	determine	VERB
easat-2975	54	16	to	to	PART
easat-2975	54	17	proceed	proceed	VERB
easat-2975	54	18	with	with	ADP
easat-2975	54	19	the	the	DET
easat-2975	54	20	analysis	analysis	NOUN
easat-2975	54	21	by	by	ADP
easat-2975	54	22	using	use	VERB
easat-2975	54	23	soft	soft	ADJ
easat-2975	54	24	as	as	ADP
easat-2975	54	25	the	the	DET
easat-2975	54	26	dependent	dependent	ADJ
easat-2975	54	27	variable	variable	NOUN
easat-2975	54	28	.	.	PUNCT
easat-2975	55	1	4473	4473	NUM
easat-2975	55	2	edelweiss	edelweiss	PROPN
easat-2975	55	3	applied	apply	VERB
easat-2975	55	4	science	science	NOUN
easat-2975	55	5	and	and	CCONJ
easat-2975	55	6	technology	technology	NOUN
easat-2975	55	7	issn	issn	PROPN
easat-2975	55	8	:	:	PUNCT
easat-2975	55	9	2576	2576	NUM
easat-2975	55	10	-	-	SYM
easat-2975	55	11	8484	8484	NUM
easat-2975	55	12	vol	vol	NOUN
easat-2975	55	13	.	.	PROPN
easat-2975	55	14	8	8	NUM
easat-2975	55	15	,	,	PUNCT
easat-2975	55	16	no	no	INTJ
easat-2975	55	17	.	.	NOUN
easat-2975	56	1	6	6	NUM
easat-2975	56	2	:	:	SYM
easat-2975	56	3	4470	4470	NUM
easat-2975	56	4	-	-	SYM
easat-2975	56	5	4478	4478	NUM
easat-2975	56	6	,	,	PUNCT
easat-2975	56	7	2024	2024	NUM
easat-2975	56	8	doi	doi	NOUN
easat-2975	56	9	:	:	PUNCT
easat-2975	56	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	56	11	©	©	ADP
easat-2975	56	12	2024	2024	NUM
easat-2975	56	13	by	by	ADP
easat-2975	56	14	the	the	DET
easat-2975	56	15	authors	author	NOUN
easat-2975	56	16	;	;	PUNCT
easat-2975	56	17	licensee	licensee	PROPN
easat-2975	56	18	learning	learn	VERB
easat-2975	56	19	gate	gate	NOUN
easat-2975	56	20	telephone	telephone	NOUN
easat-2975	56	21	79	79	NUM
easat-2975	56	22	57.7	57.7	NUM
easat-2975	56	23	e	e	NOUN
easat-2975	56	24	-	-	NOUN
easat-2975	56	25	mail	mail	NOUN
easat-2975	56	26	,	,	PUNCT
easat-2975	56	27	etc	etc	X
easat-2975	56	28	.	.	X
easat-2975	56	29	4	4	NUM
easat-2975	56	30	2.9	2.9	NUM
easat-2975	56	31	total	total	NOUN
easat-2975	56	32	137	137	NUM
easat-2975	56	33	100.0	100.0	NUM
easat-2975	56	34	temporal	temporal	ADJ
easat-2975	56	35	distance	distance	NOUN
easat-2975	56	36	to	to	PART
easat-2975	56	37	meet	meet	VERB
easat-2975	56	38	5	5	NUM
easat-2975	56	39	minutes	minute	NOUN
easat-2975	56	40	or	or	CCONJ
easat-2975	56	41	less	less	ADJ
easat-2975	56	42	43	43	NUM
easat-2975	56	43	34.1	34.1	NUM
easat-2975	56	44	6	6	NUM
easat-2975	56	45	to	to	PART
easat-2975	56	46	10	10	NUM
easat-2975	56	47	minutes	minute	NOUN
easat-2975	56	48	48	48	NUM
easat-2975	56	49	38.1	38.1	NUM
easat-2975	56	50	more	more	ADJ
easat-2975	56	51	than	than	ADP
easat-2975	56	52	10	10	NUM
easat-2975	56	53	minutes	minute	NOUN
easat-2975	56	54	33	33	NUM
easat-2975	56	55	26.2	26.2	NUM
easat-2975	56	56	total	total	NOUN
easat-2975	56	57	126	126	NUM
easat-2975	56	58	100.0	100.0	NUM
easat-2975	56	59	next	next	ADV
easat-2975	56	60	,	,	PUNCT
easat-2975	56	61	the	the	DET
easat-2975	56	62	variables	variable	NOUN
easat-2975	56	63	given	give	VERB
easat-2975	56	64	below	below	ADP
easat-2975	56	65	are	be	AUX
easat-2975	56	66	used	use	VERB
easat-2975	56	67	as	as	ADP
easat-2975	56	68	independent	independent	ADJ
easat-2975	56	69	variables	variable	NOUN
easat-2975	56	70	.	.	PUNCT
easat-2975	57	1	first	first	ADV
easat-2975	57	2	,	,	PUNCT
easat-2975	57	3	the	the	DET
easat-2975	57	4	following	follow	VERB
easat-2975	57	5	variables	variable	NOUN
easat-2975	57	6	related	relate	VERB
easat-2975	57	7	to	to	ADP
easat-2975	57	8	the	the	DET
easat-2975	57	9	characteristics	characteristic	NOUN
easat-2975	57	10	and	and	CCONJ
easat-2975	57	11	activities	activity	NOUN
easat-2975	57	12	of	of	ADP
easat-2975	57	13	the	the	DET
easat-2975	57	14	loan	loan	NOUN
easat-2975	57	15	officer	officer	NOUN
easat-2975	57	16	could	could	AUX
easat-2975	57	17	come	come	VERB
easat-2975	57	18	to	to	ADP
easat-2975	57	19	mind	mind	NOUN
easat-2975	57	20	as	as	ADP
easat-2975	57	21	variables	variable	NOUN
easat-2975	57	22	that	that	PRON
easat-2975	57	23	affect	affect	VERB
easat-2975	57	24	the	the	DET
easat-2975	57	25	officer	officer	NOUN
easat-2975	57	26	’s	’s	PART
easat-2975	57	27	production	production	NOUN
easat-2975	57	28	and	and	CCONJ
easat-2975	57	29	accumulation	accumulation	NOUN
easat-2975	57	30	of	of	ADP
easat-2975	57	31	soft	soft	ADJ
easat-2975	57	32	information	information	NOUN
easat-2975	57	33	.	.	PUNCT
easat-2975	58	1	in	in	ADP
easat-2975	58	2	other	other	ADJ
easat-2975	58	3	words	word	NOUN
easat-2975	58	4	,	,	PUNCT
easat-2975	58	5	the	the	DET
easat-2975	58	6	loan	loan	NOUN
easat-2975	58	7	officerreplacement	officerreplacement	NOUN
easat-2975	58	8	dummy	dummy	ADJ
easat-2975	58	9	variable	variable	NOUN
easat-2975	58	10	can	can	AUX
easat-2975	58	11	indicate	indicate	VERB
easat-2975	58	12	that	that	SCONJ
easat-2975	58	13	the	the	DET
easat-2975	58	14	loan	loan	NOUN
easat-2975	58	15	officer	officer	NOUN
easat-2975	58	16	was	be	AUX
easat-2975	58	17	never	never	ADV
easat-2975	58	18	replaced	replace	VERB
easat-2975	58	19	in	in	ADP
easat-2975	58	20	the	the	DET
easat-2975	58	21	past	past	ADJ
easat-2975	58	22	two	two	NUM
easat-2975	58	23	years	year	NOUN
easat-2975	58	24	(	(	PUNCT
easat-2975	58	25	replacement	replacement	NOUN
easat-2975	58	26	=	=	SYM
easat-2975	58	27	1	1	NUM
easat-2975	58	28	and	and	CCONJ
easat-2975	58	29	no	no	DET
easat-2975	58	30	replacement	replacement	NOUN
easat-2975	58	31	=	=	NOUN
easat-2975	58	32	0	0	NUM
easat-2975	58	33	;	;	PUNCT
easat-2975	58	34	however	however	ADV
easat-2975	58	35	,	,	PUNCT
easat-2975	58	36	the	the	DET
easat-2975	58	37	coding	coding	NOUN
easat-2975	58	38	was	be	AUX
easat-2975	58	39	reversed	reverse	VERB
easat-2975	58	40	at	at	ADP
easat-2975	58	41	the	the	DET
easat-2975	58	42	time	time	NOUN
easat-2975	58	43	of	of	ADP
easat-2975	58	44	analysis).4	analysis).4	PROPN
easat-2975	58	45	theoretically	theoretically	ADV
easat-2975	58	46	,	,	PUNCT
easat-2975	58	47	the	the	DET
easat-2975	58	48	variable	variable	NOUN
easat-2975	58	49	is	be	AUX
easat-2975	58	50	expected	expect	VERB
easat-2975	58	51	to	to	PART
easat-2975	58	52	have	have	VERB
easat-2975	58	53	a	a	DET
easat-2975	58	54	positive	positive	ADJ
easat-2975	58	55	sign	sign	NOUN
easat-2975	58	56	about	about	ADP
easat-2975	58	57	soft	soft	ADJ
easat-2975	58	58	,	,	PUNCT
easat-2975	58	59	given	give	VERB
easat-2975	58	60	that	that	SCONJ
easat-2975	58	61	the	the	DET
easat-2975	58	62	amount	amount	NOUN
easat-2975	58	63	of	of	ADP
easat-2975	58	64	information	information	NOUN
easat-2975	58	65	generated	generate	VERB
easat-2975	58	66	would	would	AUX
easat-2975	58	67	increase	increase	VERB
easat-2975	58	68	when	when	SCONJ
easat-2975	58	69	no	no	DET
easat-2975	58	70	loan	loan	NOUN
easat-2975	58	71	officer	officer	NOUN
easat-2975	58	72	replacement	replacement	NOUN
easat-2975	58	73	occurs	occur	VERB
easat-2975	58	74	.	.	PUNCT
easat-2975	59	1	another	another	PRON
easat-2975	59	2	is	be	AUX
easat-2975	59	3	the	the	DET
easat-2975	59	4	age	age	NOUN
easat-2975	59	5	group	group	NOUN
easat-2975	59	6	dummy	dummy	ADJ
easat-2975	59	7	variable	variable	NOUN
easat-2975	59	8	(	(	PUNCT
easat-2975	59	9	in	in	ADP
easat-2975	59	10	his	his	PRON
easat-2975	59	11	/	/	SYM
easat-2975	59	12	her	her	PRON
easat-2975	59	13	30s	30	NOUN
easat-2975	59	14	=	=	SYM
easat-2975	59	15	1	1	NUM
easat-2975	59	16	)	)	PUNCT
easat-2975	59	17	,	,	PUNCT
easat-2975	59	18	representing	represent	VERB
easat-2975	59	19	the	the	DET
easat-2975	59	20	loan	loan	NOUN
easat-2975	59	21	officer	officer	NOUN
easat-2975	59	22	’s	’s	PART
easat-2975	59	23	experience	experience	NOUN
easat-2975	59	24	.	.	PUNCT
easat-2975	60	1	the	the	DET
easat-2975	60	2	variable	variable	NOUN
easat-2975	60	3	is	be	AUX
easat-2975	60	4	expected	expect	VERB
easat-2975	60	5	to	to	PART
easat-2975	60	6	be	be	AUX
easat-2975	60	7	positive	positive	ADJ
easat-2975	60	8	,	,	PUNCT
easat-2975	60	9	given	give	VERB
easat-2975	60	10	that	that	SCONJ
easat-2975	60	11	those	those	PRON
easat-2975	60	12	in	in	ADP
easat-2975	60	13	a	a	DET
easat-2975	60	14	younger	young	ADJ
easat-2975	60	15	age	age	NOUN
easat-2975	60	16	group	group	NOUN
easat-2975	60	17	are	be	AUX
easat-2975	60	18	generally	generally	ADV
easat-2975	60	19	less	less	ADV
easat-2975	60	20	knowledgeable	knowledgeable	ADJ
easat-2975	60	21	and	and	CCONJ
easat-2975	60	22	experienced	experience	VERB
easat-2975	60	23	with	with	ADP
easat-2975	60	24	various	various	ADJ
easat-2975	60	25	aspects	aspect	NOUN
easat-2975	60	26	of	of	ADP
easat-2975	60	27	their	their	PRON
easat-2975	60	28	clients	client	NOUN
easat-2975	60	29	.	.	PUNCT
easat-2975	61	1	in	in	ADP
easat-2975	61	2	contrast	contrast	NOUN
easat-2975	61	3	,	,	PUNCT
easat-2975	61	4	those	those	PRON
easat-2975	61	5	in	in	ADP
easat-2975	61	6	their	their	PRON
easat-2975	61	7	40s	40	NOUN
easat-2975	61	8	or	or	CCONJ
easat-2975	61	9	older	old	ADJ
easat-2975	61	10	have	have	VERB
easat-2975	61	11	a	a	DET
easat-2975	61	12	more	more	ADV
easat-2975	61	13	decadent	decadent	ADJ
easat-2975	61	14	collection	collection	NOUN
easat-2975	61	15	of	of	ADP
easat-2975	61	16	soft	soft	ADJ
easat-2975	61	17	information	information	NOUN
easat-2975	61	18	on	on	ADP
easat-2975	61	19	their	their	PRON
easat-2975	61	20	clients	client	NOUN
easat-2975	61	21	.	.	PUNCT
easat-2975	62	1	however	however	ADV
easat-2975	62	2	,	,	PUNCT
easat-2975	62	3	uchida	uchida	PROPN
easat-2975	62	4	,	,	PUNCT
easat-2975	62	5	udell	udell	PROPN
easat-2975	62	6	,	,	PUNCT
easat-2975	62	7	and	and	CCONJ
easat-2975	62	8	yamori	yamori	NOUN
easat-2975	62	9	(	(	PUNCT
easat-2975	62	10	2012	2012	NUM
easat-2975	62	11	)	)	PUNCT
easat-2975	62	12	pointed	point	VERB
easat-2975	62	13	out	out	ADP
easat-2975	62	14	that	that	SCONJ
easat-2975	62	15	the	the	DET
easat-2975	62	16	sign	sign	NOUN
easat-2975	62	17	is	be	AUX
easat-2975	62	18	unclear	unclear	ADJ
easat-2975	62	19	because	because	SCONJ
easat-2975	62	20	younger	young	ADJ
easat-2975	62	21	loan	loan	NOUN
easat-2975	62	22	officers	officer	NOUN
easat-2975	62	23	might	might	AUX
easat-2975	62	24	visit	visit	VERB
easat-2975	62	25	their	their	PRON
easat-2975	62	26	clients	client	NOUN
easat-2975	62	27	more	more	ADV
easat-2975	62	28	frequently	frequently	ADV
easat-2975	62	29	and	and	CCONJ
easat-2975	62	30	strive	strive	VERB
easat-2975	62	31	to	to	PART
easat-2975	62	32	collect	collect	VERB
easat-2975	62	33	soft	soft	ADJ
easat-2975	62	34	information	information	NOUN
easat-2975	62	35	.	.	PUNCT
easat-2975	63	1	the	the	DET
easat-2975	63	2	questionnaire	questionnaire	NOUN
easat-2975	63	3	also	also	ADV
easat-2975	63	4	asks	ask	VERB
easat-2975	63	5	about	about	ADP
easat-2975	63	6	the	the	DET
easat-2975	63	7	frequency	frequency	NOUN
easat-2975	63	8	of	of	ADP
easat-2975	63	9	contact	contact	NOUN
easat-2975	63	10	with	with	ADP
easat-2975	63	11	the	the	DET
easat-2975	63	12	bank	bank	NOUN
easat-2975	63	13	and	and	CCONJ
easat-2975	63	14	how	how	SCONJ
easat-2975	63	15	many	many	ADJ
easat-2975	63	16	times	time	NOUN
easat-2975	63	17	they	they	PRON
easat-2975	63	18	meet	meet	VERB
easat-2975	63	19	each	each	DET
easat-2975	63	20	other	other	ADJ
easat-2975	63	21	per	per	ADP
easat-2975	63	22	month	month	NOUN
easat-2975	63	23	or	or	CCONJ
easat-2975	63	24	year	year	NOUN
easat-2975	63	25	.	.	PUNCT
easat-2975	64	1	with	with	ADP
easat-2975	64	2	the	the	DET
easat-2975	64	3	dummy	dummy	ADJ
easat-2975	64	4	variable	variable	NOUN
easat-2975	64	5	for	for	ADP
easat-2975	64	6	the	the	DET
easat-2975	64	7	place	place	NOUN
easat-2975	64	8	for	for	ADP
easat-2975	64	9	meeting	meet	VERB
easat-2975	64	10	the	the	DET
easat-2975	64	11	loan	loan	NOUN
easat-2975	64	12	officer	officer	NOUN
easat-2975	64	13	(	(	PUNCT
easat-2975	64	14	at	at	ADP
easat-2975	64	15	the	the	DET
easat-2975	64	16	company	company	NOUN
easat-2975	64	17	=	=	SYM
easat-2975	64	18	1	1	NUM
easat-2975	64	19	,	,	PUNCT
easat-2975	64	20	at	at	ADP
easat-2975	64	21	the	the	DET
easat-2975	64	22	bank	bank	NOUN
easat-2975	64	23	=	=	NOUN
easat-2975	64	24	0	0	NUM
easat-2975	64	25	)	)	PUNCT
easat-2975	64	26	,	,	PUNCT
easat-2975	64	27	having	have	VERB
easat-2975	64	28	the	the	DET
easat-2975	64	29	loan	loan	NOUN
easat-2975	64	30	officer	officer	NOUN
easat-2975	64	31	visit	visit	VERB
easat-2975	64	32	the	the	DET
easat-2975	64	33	company	company	NOUN
easat-2975	64	34	in	in	ADP
easat-2975	64	35	person	person	NOUN
easat-2975	64	36	rather	rather	ADV
easat-2975	64	37	than	than	ADP
easat-2975	64	38	meeting	meet	VERB
easat-2975	64	39	at	at	ADP
easat-2975	64	40	the	the	DET
easat-2975	64	41	bank	bank	NOUN
easat-2975	64	42	is	be	AUX
easat-2975	64	43	probably	probably	ADV
easat-2975	64	44	a	a	DET
easat-2975	64	45	plus	plus	NOUN
easat-2975	64	46	for	for	ADP
easat-2975	64	47	generating	generate	VERB
easat-2975	64	48	soft	soft	ADJ
easat-2975	64	49	information	information	NOUN
easat-2975	64	50	.	.	PUNCT
easat-2975	65	1	as	as	ADP
easat-2975	65	2	for	for	ADP
easat-2975	65	3	the	the	DET
easat-2975	65	4	most	most	ADV
easat-2975	65	5	frequently	frequently	ADV
easat-2975	65	6	used	use	VERB
easat-2975	65	7	contact	contact	NOUN
easat-2975	65	8	method	method	NOUN
easat-2975	65	9	(	(	PUNCT
easat-2975	65	10	in	in	ADP
easat-2975	65	11	-	-	PUNCT
easat-2975	65	12	person	person	NOUN
easat-2975	65	13	=	=	SYM
easat-2975	65	14	1	1	NUM
easat-2975	65	15	,	,	PUNCT
easat-2975	65	16	telephone	telephone	NOUN
easat-2975	65	17	,	,	PUNCT
easat-2975	65	18	fax	fax	NOUN
easat-2975	65	19	,	,	PUNCT
easat-2975	65	20	qq	qq	X
easat-2975	65	21	,	,	PUNCT
easat-2975	65	22	etc	etc	X
easat-2975	65	23	.	.	X
easat-2975	66	1	=	=	SYM
easat-2975	66	2	0	0	NUM
easat-2975	66	3	)	)	PUNCT
easat-2975	66	4	,	,	PUNCT
easat-2975	66	5	in	in	ADP
easat-2975	66	6	-	-	PUNCT
easat-2975	66	7	person	person	NOUN
easat-2975	66	8	communication	communication	NOUN
easat-2975	66	9	should	should	AUX
easat-2975	66	10	have	have	VERB
easat-2975	66	11	a	a	DET
easat-2975	66	12	better	well	ADJ
easat-2975	66	13	effect	effect	NOUN
easat-2975	66	14	on	on	ADP
easat-2975	66	15	generating	generate	VERB
easat-2975	66	16	soft	soft	ADJ
easat-2975	66	17	information	information	NOUN
easat-2975	66	18	than	than	ADP
easat-2975	66	19	telecommunication	telecommunication	NOUN
easat-2975	66	20	.	.	PUNCT
easat-2975	67	1	as	as	SCONJ
easat-2975	67	2	described	describe	VERB
easat-2975	67	3	above	above	ADV
easat-2975	67	4	,	,	PUNCT
easat-2975	67	5	the	the	DET
easat-2975	67	6	loan	loan	NOUN
easat-2975	67	7	officer	officer	NOUN
easat-2975	67	8	’s	’s	PART
easat-2975	67	9	characteristics	characteristic	NOUN
easat-2975	67	10	and	and	CCONJ
easat-2975	67	11	activities	activity	NOUN
easat-2975	67	12	are	be	AUX
easat-2975	67	13	shown	show	VERB
easat-2975	67	14	in	in	ADP
easat-2975	67	15	table	table	NOUN
easat-2975	67	16	1	1	NUM
easat-2975	67	17	.	.	PUNCT
easat-2975	67	18	based	base	VERB
easat-2975	67	19	on	on	ADP
easat-2975	67	20	the	the	DET
easat-2975	67	21	table	table	NOUN
easat-2975	67	22	,	,	PUNCT
easat-2975	67	23	loan	loan	NOUN
easat-2975	67	24	officers	officer	NOUN
easat-2975	67	25	were	be	AUX
easat-2975	67	26	not	not	PART
easat-2975	67	27	replaced	replace	VERB
easat-2975	67	28	in	in	ADP
easat-2975	67	29	approximately	approximately	ADV
easat-2975	67	30	75.4	75.4	NUM
easat-2975	67	31	%	%	NOUN
easat-2975	67	32	of	of	ADP
easat-2975	67	33	all	all	DET
easat-2975	67	34	cases	case	NOUN
easat-2975	67	35	.	.	PUNCT
easat-2975	68	1	in	in	ADP
easat-2975	68	2	contrast	contrast	NOUN
easat-2975	68	3	,	,	PUNCT
easat-2975	68	4	the	the	DET
easat-2975	68	5	instances	instance	NOUN
easat-2975	68	6	of	of	ADP
easat-2975	68	7	one	one	NUM
easat-2975	68	8	-	-	PUNCT
easat-2975	68	9	time	time	NOUN
easat-2975	68	10	replacement	replacement	NOUN
easat-2975	68	11	accounted	account	VERB
easat-2975	68	12	for	for	ADP
easat-2975	68	13	17.4	17.4	NUM
easat-2975	68	14	%	%	NOUN
easat-2975	68	15	,	,	PUNCT
easat-2975	68	16	and	and	CCONJ
easat-2975	68	17	the	the	DET
easat-2975	68	18	cases	case	NOUN
easat-2975	68	19	with	with	ADP
easat-2975	68	20	twice	twice	ADV
easat-2975	68	21	or	or	CCONJ
easat-2975	68	22	more	more	ADJ
easat-2975	68	23	replacements	replacement	NOUN
easat-2975	68	24	accounted	account	VERB
easat-2975	68	25	for	for	ADP
easat-2975	68	26	only	only	ADV
easat-2975	68	27	7.3	7.3	NUM
easat-2975	68	28	%	%	NOUN
easat-2975	68	29	.	.	PUNCT
easat-2975	69	1	in	in	ADP
easat-2975	69	2	the	the	DET
easat-2975	69	3	case	case	NOUN
easat-2975	69	4	of	of	ADP
easat-2975	69	5	china	china	PROPN
easat-2975	69	6	,	,	PUNCT
easat-2975	69	7	a	a	DET
easat-2975	69	8	system	system	NOUN
easat-2975	69	9	to	to	PART
easat-2975	69	10	rotate	rotate	VERB
easat-2975	69	11	personnel	personnel	NOUN
easat-2975	69	12	every	every	DET
easat-2975	69	13	two	two	NUM
easat-2975	69	14	to	to	PART
easat-2975	69	15	three	three	NUM
easat-2975	69	16	years	year	NOUN
easat-2975	69	17	,	,	PUNCT
easat-2975	69	18	similar	similar	ADJ
easat-2975	69	19	to	to	ADP
easat-2975	69	20	the	the	DET
easat-2975	69	21	one	one	NOUN
easat-2975	69	22	found	find	VERB
easat-2975	69	23	in	in	ADP
easat-2975	69	24	japan	japan	PROPN
easat-2975	69	25	,	,	PUNCT
easat-2975	69	26	is	be	AUX
easat-2975	69	27	rarely	rarely	ADV
easat-2975	69	28	seen	see	VERB
easat-2975	69	29	,	,	PUNCT
easat-2975	69	30	and	and	CCONJ
easat-2975	69	31	there	there	PRON
easat-2975	69	32	is	be	VERB
easat-2975	69	33	usually	usually	ADV
easat-2975	69	34	a	a	DET
easat-2975	69	35	system	system	NOUN
easat-2975	69	36	in	in	ADP
easat-2975	69	37	which	which	PRON
easat-2975	69	38	loan	loan	NOUN
easat-2975	69	39	officers	officer	NOUN
easat-2975	69	40	are	be	AUX
easat-2975	69	41	held	hold	VERB
easat-2975	69	42	accountable	accountable	ADJ
easat-2975	69	43	until	until	SCONJ
easat-2975	69	44	their	their	PRON
easat-2975	69	45	financing	financing	NOUN
easat-2975	69	46	projects	project	NOUN
easat-2975	69	47	are	be	AUX
easat-2975	69	48	entirely	entirely	ADV
easat-2975	69	49	paid	pay	VERB
easat-2975	69	50	off.5	off.5	PROPN
easat-2975	69	51	as	as	ADP
easat-2975	69	52	for	for	ADP
easat-2975	69	53	the	the	DET
easat-2975	69	54	age	age	NOUN
easat-2975	69	55	group	group	NOUN
easat-2975	69	56	of	of	ADP
easat-2975	69	57	loan	loan	NOUN
easat-2975	69	58	officers	officer	NOUN
easat-2975	69	59	,	,	PUNCT
easat-2975	69	60	those	those	PRON
easat-2975	69	61	in	in	ADP
easat-2975	69	62	their	their	PRON
easat-2975	69	63	20s	20	NOUN
easat-2975	69	64	and	and	CCONJ
easat-2975	69	65	30s	30	NOUN
easat-2975	69	66	account	account	VERB
easat-2975	69	67	for	for	ADP
easat-2975	69	68	13.1	13.1	NUM
easat-2975	69	69	%	%	NOUN
easat-2975	69	70	and	and	CCONJ
easat-2975	69	71	64.2	64.2	NUM
easat-2975	69	72	%	%	NOUN
easat-2975	69	73	,	,	PUNCT
easat-2975	69	74	respectively	respectively	ADV
easat-2975	69	75	,	,	PUNCT
easat-2975	69	76	for	for	ADP
easat-2975	69	77	a	a	DET
easat-2975	69	78	total	total	NOUN
easat-2975	69	79	of	of	ADP
easat-2975	69	80	77.3	77.3	NUM
easat-2975	69	81	%	%	NOUN
easat-2975	69	82	.	.	PUNCT
easat-2975	70	1	in	in	ADP
easat-2975	70	2	addition	addition	NOUN
easat-2975	70	3	,	,	PUNCT
easat-2975	70	4	66.2	66.2	NUM
easat-2975	70	5	%	%	NOUN
easat-2975	70	6	meet	meet	NOUN
easat-2975	70	7	at	at	ADP
easat-2975	70	8	the	the	DET
easat-2975	70	9	bank	bank	NOUN
easat-2975	70	10	,	,	PUNCT
easat-2975	70	11	57.7	57.7	NUM
easat-2975	70	12	%	%	NOUN
easat-2975	70	13	use	use	NOUN
easat-2975	70	14	the	the	DET
easat-2975	70	15	telephone	telephone	NOUN
easat-2975	70	16	,	,	PUNCT
easat-2975	70	17	and	and	CCONJ
easat-2975	70	18	39.4	39.4	NUM
easat-2975	70	19	%	%	NOUN
easat-2975	70	20	meet	meet	NOUN
easat-2975	70	21	in	in	ADP
easat-2975	70	22	person	person	NOUN
easat-2975	70	23	regarding	regard	VERB
easat-2975	70	24	contact	contact	NOUN
easat-2975	70	25	methods	method	NOUN
easat-2975	70	26	.	.	PUNCT
easat-2975	71	1	in	in	ADP
easat-2975	71	2	addition	addition	NOUN
easat-2975	71	3	,	,	PUNCT
easat-2975	71	4	we	we	PRON
easat-2975	71	5	can	can	AUX
easat-2975	71	6	see	see	VERB
easat-2975	71	7	that	that	SCONJ
easat-2975	71	8	72.3	72.3	NUM
easat-2975	71	9	%	%	NOUN
easat-2975	71	10	of	of	ADP
easat-2975	71	11	the	the	DET
easat-2975	71	12	bank	bank	NOUN
easat-2975	71	13	’s	’s	PART
easat-2975	71	14	locations	location	NOUN
easat-2975	71	15	are	be	AUX
easat-2975	71	16	within	within	ADP
easat-2975	71	17	a	a	DET
easat-2975	71	18	10	10	NUM
easat-2975	71	19	-	-	PUNCT
easat-2975	71	20	minute	minute	NOUN
easat-2975	71	21	drive	drive	NOUN
easat-2975	71	22	,	,	PUNCT
easat-2975	71	23	regarding	regard	VERB
easat-2975	71	24	the	the	DET
easat-2975	71	25	temporal	temporal	ADJ
easat-2975	71	26	distance	distance	NOUN
easat-2975	71	27	between	between	ADP
easat-2975	71	28	the	the	DET
easat-2975	71	29	company	company	NOUN
easat-2975	71	30	and	and	CCONJ
easat-2975	71	31	the	the	DET
easat-2975	71	32	bank	bank	NOUN
easat-2975	71	33	.	.	PUNCT
easat-2975	72	1	it	it	PRON
easat-2975	72	2	is	be	AUX
easat-2975	72	3	probably	probably	ADV
easat-2975	72	4	attributable	attributable	ADJ
easat-2975	72	5	to	to	ADP
easat-2975	72	6	the	the	DET
easat-2975	72	7	fact	fact	NOUN
easat-2975	72	8	that	that	SCONJ
easat-2975	72	9	many	many	ADJ
easat-2975	72	10	of	of	ADP
easat-2975	72	11	the	the	DET
easat-2975	72	12	companies	company	NOUN
easat-2975	72	13	we	we	PRON
easat-2975	72	14	studied	study	VERB
easat-2975	72	15	are	be	AUX
easat-2975	72	16	located	locate	VERB
easat-2975	72	17	in	in	ADP
easat-2975	72	18	the	the	DET
easat-2975	72	19	suburbs	suburb	NOUN
easat-2975	72	20	or	or	CCONJ
easat-2975	72	21	rural	rural	ADJ
easat-2975	72	22	areas	area	NOUN
easat-2975	72	23	.	.	PUNCT
easat-2975	73	1	table	table	NOUN
easat-2975	73	2	3	3	NUM
easat-2975	73	3	.	.	PUNCT
easat-2975	73	4	descriptive	descriptive	ADJ
easat-2975	73	5	statistics	statistic	NOUN
easat-2975	73	6	.	.	PUNCT
easat-2975	74	1	sample	sample	NOUN
easat-2975	74	2	size	size	NOUN
easat-2975	74	3	(	(	PUNCT
easat-2975	74	4	companies	company	NOUN
easat-2975	74	5	)	)	PUNCT
easat-2975	74	6	mean	mean	PROPN
easat-2975	74	7	sd	sd	ADP
easat-2975	74	8	min	min	PROPN
easat-2975	74	9	.	.	PROPN
easat-2975	74	10	max	max	PROPN
easat-2975	74	11	.	.	PUNCT
easat-2975	75	1	(	(	PUNCT
easat-2975	75	2	1	1	X
easat-2975	75	3	)	)	PUNCT
easat-2975	75	4	company	company	NOUN
easat-2975	75	5	and	and	CCONJ
easat-2975	75	6	operator	operator	NOUN
easat-2975	75	7	attributes	attribute	VERB
easat-2975	75	8	age	age	NOUN
easat-2975	75	9	of	of	ADP
easat-2975	75	10	the	the	DET
easat-2975	75	11	company	company	NOUN
easat-2975	75	12	(	(	PUNCT
easat-2975	75	13	years	year	NOUN
easat-2975	75	14	)	)	PUNCT
easat-2975	75	15	144	144	NUM
easat-2975	75	16	9.514	9.514	NUM
easat-2975	75	17	5.238	5.238	NUM
easat-2975	75	18	2	2	NUM
easat-2975	75	19	26	26	NUM
easat-2975	75	20	capital	capital	NOUN
easat-2975	75	21	(	(	PUNCT
easat-2975	75	22	10,000	10,000	NUM
easat-2975	75	23	yuan	yuan	NOUN
easat-2975	75	24	)	)	PUNCT
easat-2975	75	25	141	141	NUM
easat-2975	75	26	549.175	549.175	NUM
easat-2975	75	27	1407.424	1407.424	NUM
easat-2975	75	28	15	15	NUM
easat-2975	75	29	10000	10000	NUM
easat-2975	75	30	management	management	NOUN
easat-2975	75	31	tenure	tenure	NOUN
easat-2975	75	32	of	of	ADP
easat-2975	75	33	the	the	DET
easat-2975	75	34	ceo	ceo	PROPN
easat-2975	75	35	(	(	PUNCT
easat-2975	75	36	years	year	NOUN
easat-2975	75	37	)	)	PUNCT
easat-2975	75	38	144	144	NUM
easat-2975	75	39	7.951	7.951	NUM
easat-2975	75	40	4.891	4.891	NUM
easat-2975	75	41	1	1	NUM
easat-2975	75	42	24	24	NUM
easat-2975	75	43	4cted	4cted	NUM
easat-2975	75	44	indicated	indicate	VERB
easat-2975	75	45	the	the	DET
easat-2975	75	46	interval	interval	NOUN
easat-2975	75	47	based	base	VERB
easat-2975	75	48	on	on	ADP
easat-2975	75	49	which	which	PRON
easat-2975	75	50	the	the	DET
easat-2975	75	51	loan	loan	NOUN
easat-2975	75	52	officer	officer	NOUN
easat-2975	75	53	is	be	AUX
easat-2975	75	54	rotated	rotate	VERB
easat-2975	75	55	probably	probably	ADV
easat-2975	75	56	differs	differ	VERB
easat-2975	75	57	by	by	ADP
easat-2975	75	58	bank	bank	NOUN
easat-2975	75	59	;	;	PUNCT
easat-2975	75	60	however	however	ADV
easat-2975	75	61	,	,	PUNCT
easat-2975	75	62	given	give	VERB
easat-2975	75	63	that	that	SCONJ
easat-2975	75	64	the	the	DET
easat-2975	75	65	interviews	interview	NOUN
easat-2975	75	66	we	we	PRON
easat-2975	75	67	condu	condu	VERB
easat-2975	75	68	that	that	PRON
easat-2975	75	69	loan	loan	NOUN
easat-2975	75	70	officers	officer	NOUN
easat-2975	75	71	at	at	ADP
easat-2975	75	72	commercial	commercial	ADJ
easat-2975	75	73	banks	bank	NOUN
easat-2975	75	74	are	be	AUX
easat-2975	75	75	sometimes	sometimes	ADV
easat-2975	75	76	transferred	transfer	VERB
easat-2975	75	77	and	and	CCONJ
easat-2975	75	78	replaced	replace	VERB
easat-2975	75	79	every	every	DET
easat-2975	75	80	two	two	NUM
easat-2975	75	81	to	to	PART
easat-2975	75	82	three	three	NUM
easat-2975	75	83	years	year	NOUN
easat-2975	75	84	,	,	PUNCT
easat-2975	75	85	we	we	PRON
easat-2975	75	86	use	use	VERB
easat-2975	75	87	the	the	DET
easat-2975	75	88	period	period	NOUN
easat-2975	75	89	of	of	ADP
easat-2975	75	90	two	two	NUM
easat-2975	75	91	years	year	NOUN
easat-2975	75	92	in	in	ADP
easat-2975	75	93	this	this	DET
easat-2975	75	94	paper	paper	NOUN
easat-2975	75	95	.	.	PUNCT
easat-2975	76	1	5ding	5de	VERB
easat-2975	76	2	to	to	ADP
easat-2975	76	3	an	an	PRON
easat-2975	76	4	in	in	ADP
easat-2975	76	5	many	many	ADJ
easat-2975	76	6	cases	case	NOUN
easat-2975	76	7	,	,	PUNCT
easat-2975	76	8	compensation	compensation	NOUN
easat-2975	76	9	,	,	PUNCT
easat-2975	76	10	such	such	ADJ
easat-2975	76	11	as	as	ADP
easat-2975	76	12	bonuses	bonus	NOUN
easat-2975	76	13	for	for	ADP
easat-2975	76	14	the	the	DET
easat-2975	76	15	loan	loan	NOUN
easat-2975	76	16	officer	officer	NOUN
easat-2975	76	17	,	,	PUNCT
easat-2975	76	18	is	be	AUX
easat-2975	76	19	dependent	dependent	ADJ
easat-2975	76	20	on	on	ADP
easat-2975	76	21	the	the	DET
easat-2975	76	22	repayment	repayment	NOUN
easat-2975	76	23	status	status	NOUN
easat-2975	76	24	of	of	ADP
easat-2975	76	25	the	the	DET
easat-2975	76	26	company	company	NOUN
easat-2975	76	27	(	(	PUNCT
easat-2975	76	28	accor	accor	PROPN
easat-2975	76	29	interview	interview	NOUN
easat-2975	76	30	with	with	ADP
easat-2975	76	31	a	a	DET
easat-2975	76	32	bank	bank	NOUN
easat-2975	76	33	branch	branch	NOUN
easat-2975	76	34	manager	manager	NOUN
easat-2975	76	35	conducted	conduct	VERB
easat-2975	76	36	by	by	ADP
easat-2975	76	37	the	the	DET
easat-2975	76	38	authors	author	NOUN
easat-2975	76	39	in	in	ADP
easat-2975	76	40	may	may	PROPN
easat-2975	76	41	2015	2015	NUM
easat-2975	76	42	)	)	PUNCT
easat-2975	76	43	.	.	PUNCT
easat-2975	77	1	4474	4474	NUM
easat-2975	77	2	edelweiss	edelweiss	PROPN
easat-2975	77	3	applied	apply	VERB
easat-2975	77	4	science	science	NOUN
easat-2975	77	5	and	and	CCONJ
easat-2975	77	6	technology	technology	NOUN
easat-2975	77	7	issn	issn	PROPN
easat-2975	77	8	:	:	PUNCT
easat-2975	77	9	2576	2576	NUM
easat-2975	77	10	-	-	SYM
easat-2975	77	11	8484	8484	NUM
easat-2975	77	12	vol	vol	NOUN
easat-2975	77	13	.	.	PROPN
easat-2975	77	14	8	8	NUM
easat-2975	77	15	,	,	PUNCT
easat-2975	77	16	no	no	INTJ
easat-2975	77	17	.	.	NOUN
easat-2975	78	1	6	6	NUM
easat-2975	78	2	:	:	SYM
easat-2975	78	3	4470	4470	NUM
easat-2975	78	4	-	-	SYM
easat-2975	78	5	4478	4478	NUM
easat-2975	78	6	,	,	PUNCT
easat-2975	78	7	2024	2024	NUM
easat-2975	78	8	doi	doi	NOUN
easat-2975	78	9	:	:	PUNCT
easat-2975	78	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	78	11	©	©	ADP
easat-2975	78	12	2024	2024	NUM
easat-2975	78	13	by	by	ADP
easat-2975	78	14	the	the	DET
easat-2975	78	15	authors	author	NOUN
easat-2975	78	16	;	;	PUNCT
easat-2975	78	17	licensee	licensee	NOUN
easat-2975	78	18	learning	learn	VERB
easat-2975	78	19	gate	gate	NOUN
easat-2975	78	20	number	number	NOUN
easat-2975	78	21	of	of	ADP
easat-2975	78	22	employees	employee	NOUN
easat-2975	78	23	(	(	PUNCT
easat-2975	78	24	individuals	individual	NOUN
easat-2975	78	25	)	)	PUNCT
easat-2975	78	26	144	144	NUM
easat-2975	78	27	168.819	168.819	NUM
easat-2975	78	28	139.055	139.055	NUM
easat-2975	78	29	15	15	NUM
easat-2975	78	30	820	820	NUM
easat-2975	78	31	asset	asset	NOUN
easat-2975	78	32	size	size	NOUN
easat-2975	78	33	(	(	PUNCT
easat-2975	78	34	10,000	10,000	NUM
easat-2975	78	35	yuan	yuan	NOUN
easat-2975	78	36	)	)	PUNCT
easat-2975	78	37	139	139	NUM
easat-2975	78	38	2441.424	2441.424	NUM
easat-2975	79	1	4679.646	4679.646	NUM
easat-2975	79	2	100	100	NUM
easat-2975	79	3	31061	31061	NUM
easat-2975	79	4	(	(	PUNCT
easat-2975	79	5	2	2	NUM
easat-2975	79	6	)	)	PUNCT
easat-2975	79	7	main	main	ADJ
easat-2975	79	8	variables	variable	NOUN
easat-2975	79	9	frequency	frequency	NOUN
easat-2975	79	10	of	of	ADP
easat-2975	79	11	visit	visit	NOUN
easat-2975	79	12	(	(	PUNCT
easat-2975	79	13	per	per	ADP
easat-2975	79	14	year	year	NOUN
easat-2975	79	15	)	)	PUNCT
easat-2975	79	16	135	135	NUM
easat-2975	79	17	15.585	15.585	NUM
easat-2975	79	18	33.174	33.174	NUM
easat-2975	79	19	0	0	NUM
easat-2975	79	20	240	240	NUM
easat-2975	79	21	distance	distance	NOUN
easat-2975	79	22	(	(	PUNCT
easat-2975	79	23	minutes	minute	NOUN
easat-2975	79	24	)	)	PUNCT
easat-2975	79	25	126	126	NUM
easat-2975	79	26	10.901	10.901	NUM
easat-2975	79	27	8.886	8.886	NUM
easat-2975	79	28	1	1	NUM
easat-2975	79	29	80	80	NUM
easat-2975	79	30	replacement	replacement	NOUN
easat-2975	79	31	of	of	ADP
easat-2975	79	32	the	the	DET
easat-2975	79	33	loan	loan	NOUN
easat-2975	79	34	officer	officer	NOUN
easat-2975	79	35	(	(	PUNCT
easat-2975	79	36	times	time	NOUN
easat-2975	79	37	)	)	PUNCT
easat-2975	79	38	138	138	NUM
easat-2975	79	39	0.754	0.754	NUM
easat-2975	79	40	0.432	0.432	NUM
easat-2975	79	41	0	0	SYM
easat-2975	79	42	1	1	NUM
easat-2975	79	43	age	age	NOUN
easat-2975	79	44	of	of	ADP
easat-2975	79	45	the	the	DET
easat-2975	79	46	loan	loan	NOUN
easat-2975	79	47	officer	officer	NOUN
easat-2975	79	48	137	137	NUM
easat-2975	79	49	0.774	0.774	NUM
easat-2975	79	50	0.420	0.420	NUM
easat-2975	79	51	0	0	NUM
easat-2975	79	52	1	1	NUM
easat-2975	79	53	meeting	meeting	NOUN
easat-2975	79	54	place	place	NOUN
easat-2975	79	55	136	136	NUM
easat-2975	79	56	0.324	0.324	NUM
easat-2975	79	57	0.470	0.470	NUM
easat-2975	79	58	0	0	NUM
easat-2975	79	59	1	1	NUM
easat-2975	79	60	contact	contact	NOUN
easat-2975	79	61	method	method	NOUN
easat-2975	79	62	137	137	NUM
easat-2975	79	63	0.394	0.394	NUM
easat-2975	79	64	0.490	0.490	NUM
easat-2975	79	65	0	0	NUM
easat-2975	79	66	1	1	NUM
easat-2975	79	67	number	number	NOUN
easat-2975	79	68	of	of	ADP
easat-2975	79	69	banks	bank	NOUN
easat-2975	79	70	financing	finance	VERB
easat-2975	79	71	the	the	DET
easat-2975	79	72	company	company	NOUN
easat-2975	79	73	116	116	NUM
easat-2975	79	74	1.690	1.690	NUM
easat-2975	79	75	0.807	0.807	NUM
easat-2975	79	76	1	1	NUM
easat-2975	79	77	5	5	NUM
easat-2975	79	78	longest	long	ADJ
easat-2975	79	79	relationship	relationship	NOUN
easat-2975	79	80	with	with	ADP
easat-2975	79	81	a	a	DET
easat-2975	79	82	bank	bank	NOUN
easat-2975	79	83	136	136	NUM
easat-2975	79	84	4.390	4.390	NUM
easat-2975	79	85	3.089	3.089	NUM
easat-2975	79	86	1	1	NUM
easat-2975	79	87	23	23	NUM
easat-2975	79	88	diversification	diversification	NOUN
easat-2975	79	89	of	of	ADP
easat-2975	79	90	business	business	NOUN
easat-2975	79	91	133	133	NUM
easat-2975	79	92	3.195	3.195	NUM
easat-2975	79	93	0.957	0.957	NUM
easat-2975	79	94	1	1	NUM
easat-2975	79	95	6	6	NUM
easat-2975	79	96	in	in	ADP
easat-2975	79	97	addition	addition	NOUN
easat-2975	79	98	,	,	PUNCT
easat-2975	79	99	the	the	DET
easat-2975	79	100	frequency	frequency	NOUN
easat-2975	79	101	of	of	ADP
easat-2975	79	102	financial	financial	ADJ
easat-2975	79	103	statement	statement	NOUN
easat-2975	79	104	submissions	submission	NOUN
easat-2975	79	105	to	to	ADP
easat-2975	79	106	the	the	DET
easat-2975	79	107	bank	bank	NOUN
easat-2975	79	108	is	be	AUX
easat-2975	79	109	categorized	categorize	VERB
easat-2975	79	110	as	as	ADP
easat-2975	79	111	(	(	PUNCT
easat-2975	79	112	1	1	NUM
easat-2975	79	113	)	)	PUNCT
easat-2975	79	114	at	at	ADP
easat-2975	79	115	least	least	ADJ
easat-2975	79	116	once	once	ADV
easat-2975	79	117	a	a	DET
easat-2975	79	118	month	month	NOUN
easat-2975	79	119	,	,	PUNCT
easat-2975	79	120	(	(	PUNCT
easat-2975	79	121	2	2	X
easat-2975	79	122	)	)	PUNCT
easat-2975	79	123	once	once	ADV
easat-2975	79	124	every	every	DET
easat-2975	79	125	three	three	NUM
easat-2975	79	126	months	month	NOUN
easat-2975	79	127	,	,	PUNCT
easat-2975	79	128	(	(	PUNCT
easat-2975	79	129	3	3	X
easat-2975	79	130	)	)	PUNCT
easat-2975	79	131	once	once	SCONJ
easat-2975	79	132	every	every	DET
easat-2975	79	133	six	six	NUM
easat-2975	79	134	months	month	NOUN
easat-2975	79	135	,	,	PUNCT
easat-2975	79	136	and	and	CCONJ
easat-2975	79	137	(	(	PUNCT
easat-2975	79	138	4	4	X
easat-2975	79	139	)	)	PUNCT
easat-2975	79	140	once	once	ADV
easat-2975	79	141	a	a	DET
easat-2975	79	142	year	year	NOUN
easat-2975	79	143	.	.	PUNCT
easat-2975	80	1	here	here	ADV
easat-2975	80	2	,	,	PUNCT
easat-2975	80	3	the	the	DET
easat-2975	80	4	dummy	dummy	ADJ
easat-2975	80	5	variable	variable	NOUN
easat-2975	80	6	is	be	AUX
easat-2975	80	7	coded	code	VERB
easat-2975	80	8	so	so	SCONJ
easat-2975	80	9	that	that	SCONJ
easat-2975	80	10	“	"	PUNCT
easat-2975	80	11	(	(	PUNCT
easat-2975	80	12	1	1	X
easat-2975	80	13	)	)	PUNCT
easat-2975	80	14	at	at	ADP
easat-2975	80	15	least	least	ADJ
easat-2975	80	16	once	once	ADV
easat-2975	80	17	a	a	DET
easat-2975	80	18	month	month	NOUN
easat-2975	80	19	”	"	PUNCT
easat-2975	80	20	has	have	VERB
easat-2975	80	21	the	the	DET
easat-2975	80	22	value	value	NOUN
easat-2975	80	23	of	of	ADP
easat-2975	80	24	1	1	NUM
easat-2975	80	25	.	.	PUNCT
easat-2975	81	1	it	it	PRON
easat-2975	81	2	can	can	AUX
easat-2975	81	3	be	be	AUX
easat-2975	81	4	regarded	regard	VERB
easat-2975	81	5	as	as	ADP
easat-2975	81	6	an	an	DET
easat-2975	81	7	essential	essential	ADJ
easat-2975	81	8	control	control	NOUN
easat-2975	81	9	variable	variable	NOUN
easat-2975	81	10	to	to	PART
easat-2975	81	11	remove	remove	VERB
easat-2975	81	12	complex	complex	ADJ
easat-2975	81	13	information	information	NOUN
easat-2975	81	14	because	because	SCONJ
easat-2975	81	15	we	we	PRON
easat-2975	81	16	can	can	AUX
easat-2975	81	17	say	say	VERB
easat-2975	81	18	that	that	SCONJ
easat-2975	81	19	a	a	DET
easat-2975	81	20	higher	high	ADJ
easat-2975	81	21	frequency	frequency	NOUN
easat-2975	81	22	in	in	ADP
easat-2975	81	23	which	which	PRON
easat-2975	81	24	the	the	DET
easat-2975	81	25	lender	lender	NOUN
easat-2975	81	26	company	company	NOUN
easat-2975	81	27	submits	submit	VERB
easat-2975	81	28	financial	financial	ADJ
easat-2975	81	29	statements	statement	NOUN
easat-2975	81	30	to	to	ADP
easat-2975	81	31	the	the	DET
easat-2975	81	32	bank	bank	NOUN
easat-2975	81	33	implies	imply	VERB
easat-2975	81	34	that	that	SCONJ
easat-2975	81	35	the	the	DET
easat-2975	81	36	bank	bank	NOUN
easat-2975	81	37	is	be	AUX
easat-2975	81	38	making	make	VERB
easat-2975	81	39	such	such	DET
easat-2975	81	40	a	a	DET
easat-2975	81	41	demand	demand	NOUN
easat-2975	81	42	to	to	ADP
easat-2975	81	43	the	the	DET
easat-2975	81	44	lender	lender	NOUN
easat-2975	81	45	company	company	NOUN
easat-2975	81	46	and	and	CCONJ
easat-2975	81	47	monitoring	monitor	VERB
easat-2975	81	48	the	the	DET
easat-2975	81	49	company	company	NOUN
easat-2975	81	50	’s	’s	PART
easat-2975	81	51	financial	financial	ADJ
easat-2975	81	52	situation	situation	NOUN
easat-2975	81	53	carefully	carefully	ADV
easat-2975	81	54	.	.	PUNCT
easat-2975	82	1	doing	do	VERB
easat-2975	82	2	this	this	DET
easat-2975	82	3	increases	increase	VERB
easat-2975	82	4	the	the	DET
easat-2975	82	5	frequency	frequency	NOUN
easat-2975	82	6	of	of	ADP
easat-2975	82	7	contact	contact	NOUN
easat-2975	82	8	with	with	ADP
easat-2975	82	9	the	the	DET
easat-2975	82	10	loan	loan	NOUN
easat-2975	82	11	officer	officer	NOUN
easat-2975	82	12	,	,	PUNCT
easat-2975	82	13	thus	thus	ADV
easat-2975	82	14	helping	helping	AUX
easat-2975	82	15	produce	produce	VERB
easat-2975	82	16	soft	soft	ADJ
easat-2975	82	17	information	information	NOUN
easat-2975	82	18	.	.	PUNCT
easat-2975	83	1	with	with	ADP
easat-2975	83	2	regards	regard	NOUN
easat-2975	83	3	to	to	ADP
easat-2975	83	4	variables	variable	NOUN
easat-2975	83	5	representing	represent	VERB
easat-2975	83	6	the	the	DET
easat-2975	83	7	scale	scale	NOUN
easat-2975	83	8	of	of	ADP
easat-2975	83	9	the	the	DET
easat-2975	83	10	company	company	NOUN
easat-2975	83	11	,	,	PUNCT
easat-2975	83	12	we	we	PRON
easat-2975	83	13	asked	ask	VERB
easat-2975	83	14	for	for	ADP
easat-2975	83	15	details	detail	NOUN
easat-2975	83	16	about	about	ADP
easat-2975	83	17	the	the	DET
easat-2975	83	18	size	size	NOUN
easat-2975	83	19	of	of	ADP
easat-2975	83	20	capital	capital	NOUN
easat-2975	83	21	,	,	PUNCT
easat-2975	83	22	size	size	NOUN
easat-2975	83	23	of	of	ADP
easat-2975	83	24	total	total	ADJ
easat-2975	83	25	assets	asset	NOUN
easat-2975	83	26	,	,	PUNCT
easat-2975	83	27	sales	sale	NOUN
easat-2975	83	28	,	,	PUNCT
easat-2975	83	29	number	number	NOUN
easat-2975	83	30	of	of	ADP
easat-2975	83	31	employees	employee	NOUN
easat-2975	83	32	,	,	PUNCT
easat-2975	83	33	age	age	NOUN
easat-2975	83	34	of	of	ADP
easat-2975	83	35	the	the	DET
easat-2975	83	36	company	company	NOUN
easat-2975	83	37	,	,	PUNCT
easat-2975	83	38	and	and	CCONJ
easat-2975	83	39	sales	sale	NOUN
easat-2975	83	40	performance	performance	NOUN
easat-2975	83	41	in	in	ADP
easat-2975	83	42	the	the	DET
easat-2975	83	43	past	past	ADJ
easat-2975	83	44	two	two	NUM
easat-2975	83	45	years	year	NOUN
easat-2975	83	46	,	,	PUNCT
easat-2975	83	47	which	which	PRON
easat-2975	83	48	is	be	AUX
easat-2975	83	49	categorized	categorize	VERB
easat-2975	83	50	into	into	ADP
easat-2975	83	51	(	(	PUNCT
easat-2975	83	52	1	1	NUM
easat-2975	83	53	)	)	PUNCT
easat-2975	83	54	consecutive	consecutive	ADJ
easat-2975	83	55	surplus	surplus	NOUN
easat-2975	83	56	,	,	PUNCT
easat-2975	83	57	(	(	PUNCT
easat-2975	83	58	2	2	NUM
easat-2975	83	59	)	)	PUNCT
easat-2975	83	60	surplus	surplus	NOUN
easat-2975	83	61	to	to	ADP
easat-2975	83	62	deficit	deficit	NOUN
easat-2975	83	63	,	,	PUNCT
easat-2975	83	64	(	(	PUNCT
easat-2975	83	65	3	3	X
easat-2975	83	66	)	)	PUNCT
easat-2975	83	67	deficit	deficit	NOUN
easat-2975	83	68	to	to	PART
easat-2975	83	69	surplus	surplus	VERB
easat-2975	83	70	,	,	PUNCT
easat-2975	83	71	and	and	CCONJ
easat-2975	83	72	(	(	PUNCT
easat-2975	83	73	4	4	X
easat-2975	83	74	)	)	PUNCT
easat-2975	83	75	consecutive	consecutive	ADJ
easat-2975	83	76	deficit	deficit	NOUN
easat-2975	83	77	.	.	PUNCT
easat-2975	84	1	notably	notably	ADV
easat-2975	84	2	,	,	PUNCT
easat-2975	84	3	the	the	DET
easat-2975	84	4	dummy	dummy	ADJ
easat-2975	84	5	variable	variable	NOUN
easat-2975	84	6	assigns	assign	VERB
easat-2975	84	7	the	the	DET
easat-2975	84	8	value	value	NOUN
easat-2975	84	9	of	of	ADP
easat-2975	84	10	1	1	NUM
easat-2975	84	11	to	to	PART
easat-2975	84	12	“	"	PUNCT
easat-2975	84	13	(	(	PUNCT
easat-2975	84	14	1	1	NUM
easat-2975	84	15	)	)	PUNCT
easat-2975	84	16	consecutive	consecutive	ADJ
easat-2975	84	17	surplus	surplus	NOUN
easat-2975	84	18	.	.	PUNCT
easat-2975	84	19	”	"	PUNCT
easat-2975	85	1	as	as	ADP
easat-2975	85	2	for	for	ADP
easat-2975	85	3	the	the	DET
easat-2975	85	4	characteristics	characteristic	NOUN
easat-2975	85	5	of	of	ADP
easat-2975	85	6	the	the	DET
easat-2975	85	7	business	business	NOUN
easat-2975	85	8	operator	operator	NOUN
easat-2975	85	9	,	,	PUNCT
easat-2975	85	10	we	we	PRON
easat-2975	85	11	asked	ask	VERB
easat-2975	85	12	for	for	ADP
easat-2975	85	13	information	information	NOUN
easat-2975	85	14	about	about	ADP
easat-2975	85	15	the	the	DET
easat-2975	85	16	operator	operator	NOUN
easat-2975	85	17	’s	’s	PART
easat-2975	85	18	tenure	tenure	NOUN
easat-2975	85	19	as	as	ADP
easat-2975	85	20	a	a	DET
easat-2975	85	21	manager	manager	NOUN
easat-2975	85	22	,	,	PUNCT
easat-2975	85	23	educational	educational	ADJ
easat-2975	85	24	background	background	NOUN
easat-2975	85	25	,	,	PUNCT
easat-2975	85	26	and	and	CCONJ
easat-2975	85	27	whether	whether	SCONJ
easat-2975	85	28	he	he	PRON
easat-2975	85	29	/	/	PUNCT
easat-2975	86	1	she	she	PRON
easat-2975	86	2	is	be	AUX
easat-2975	86	3	a	a	DET
easat-2975	86	4	founder	founder	NOUN
easat-2975	86	5	.	.	PUNCT
easat-2975	87	1	it	it	PRON
easat-2975	87	2	is	be	AUX
easat-2975	87	3	probably	probably	ADV
easat-2975	87	4	more	more	ADV
easat-2975	87	5	accessible	accessible	ADJ
easat-2975	87	6	for	for	SCONJ
easat-2975	87	7	the	the	DET
easat-2975	87	8	loan	loan	NOUN
easat-2975	87	9	officer	officer	NOUN
easat-2975	87	10	to	to	PART
easat-2975	87	11	collect	collect	VERB
easat-2975	87	12	soft	soft	ADJ
easat-2975	87	13	information	information	NOUN
easat-2975	87	14	if	if	SCONJ
easat-2975	87	15	the	the	DET
easat-2975	87	16	company	company	NOUN
easat-2975	87	17	has	have	AUX
easat-2975	87	18	been	be	AUX
easat-2975	87	19	in	in	ADP
easat-2975	87	20	business	business	NOUN
easat-2975	87	21	for	for	ADP
easat-2975	87	22	a	a	DET
easat-2975	87	23	while	while	NOUN
easat-2975	87	24	.	.	PUNCT
easat-2975	88	1	a	a	DET
easat-2975	88	2	company	company	NOUN
easat-2975	88	3	’s	’s	PART
easat-2975	88	4	creditworthiness	creditworthiness	NOUN
easat-2975	88	5	should	should	AUX
easat-2975	88	6	also	also	ADV
easat-2975	88	7	be	be	AUX
easat-2975	88	8	higher	high	ADJ
easat-2975	88	9	if	if	SCONJ
easat-2975	88	10	the	the	DET
easat-2975	88	11	business	business	NOUN
easat-2975	88	12	operator	operator	NOUN
easat-2975	88	13	is	be	AUX
easat-2975	88	14	a	a	DET
easat-2975	88	15	founder	founder	NOUN
easat-2975	88	16	who	who	PRON
easat-2975	88	17	is	be	AUX
easat-2975	88	18	better	well	ADV
easat-2975	88	19	educated	educate	VERB
easat-2975	88	20	.	.	PUNCT
easat-2975	89	1	however	however	ADV
easat-2975	89	2	,	,	PUNCT
easat-2975	89	3	these	these	DET
easat-2975	89	4	variables	variable	NOUN
easat-2975	89	5	do	do	AUX
easat-2975	89	6	not	not	PART
easat-2975	89	7	considerably	considerably	ADV
easat-2975	89	8	affect	affect	VERB
easat-2975	89	9	the	the	DET
easat-2975	89	10	quantitative	quantitative	ADJ
easat-2975	89	11	analysis	analysis	NOUN
easat-2975	89	12	because	because	SCONJ
easat-2975	89	13	more	more	ADJ
easat-2975	89	14	than	than	ADP
easat-2975	89	15	90	90	NUM
easat-2975	89	16	%	%	NOUN
easat-2975	89	17	of	of	ADP
easat-2975	89	18	our	our	PRON
easat-2975	89	19	surveyed	survey	VERB
easat-2975	89	20	companies	company	NOUN
easat-2975	89	21	’	'	PUNCT
easat-2975	89	22	business	business	NOUN
easat-2975	89	23	operators	operator	NOUN
easat-2975	89	24	are	be	AUX
easat-2975	89	25	founders	founder	NOUN
easat-2975	89	26	,	,	PUNCT
easat-2975	89	27	and	and	CCONJ
easat-2975	89	28	more	more	ADJ
easat-2975	89	29	than	than	ADP
easat-2975	89	30	70	70	NUM
easat-2975	89	31	%	%	NOUN
easat-2975	89	32	have	have	VERB
easat-2975	89	33	an	an	DET
easat-2975	89	34	educational	educational	ADJ
easat-2975	89	35	background	background	NOUN
easat-2975	89	36	of	of	ADP
easat-2975	89	37	high	high	ADJ
easat-2975	89	38	school	school	NOUN
easat-2975	89	39	or	or	CCONJ
easat-2975	89	40	less	less	ADJ
easat-2975	89	41	.	.	PUNCT
easat-2975	90	1	finally	finally	ADV
easat-2975	90	2	,	,	PUNCT
easat-2975	90	3	as	as	ADP
easat-2975	90	4	a	a	DET
easat-2975	90	5	control	control	NOUN
easat-2975	90	6	variable	variable	NOUN
easat-2975	90	7	,	,	PUNCT
easat-2975	90	8	the	the	DET
easat-2975	90	9	temporal	temporal	ADJ
easat-2975	90	10	distance	distance	NOUN
easat-2975	90	11	dummy	dummy	ADJ
easat-2975	90	12	variable	variable	NOUN
easat-2975	90	13	(	(	PUNCT
easat-2975	90	14	distance	distance	NOUN
easat-2975	90	15	,	,	PUNCT
easat-2975	90	16	within	within	ADP
easat-2975	90	17	10	10	NUM
easat-2975	90	18	minutes	minute	NOUN
easat-2975	90	19	=	=	SYM
easat-2975	90	20	1	1	NUM
easat-2975	90	21	,	,	PUNCT
easat-2975	90	22	10	10	NUM
easat-2975	90	23	minutes	minute	NOUN
easat-2975	90	24	or	or	CCONJ
easat-2975	90	25	more	more	ADJ
easat-2975	90	26	=	=	SYM
easat-2975	90	27	0	0	X
easat-2975	90	28	)	)	PUNCT
easat-2975	90	29	is	be	AUX
easat-2975	90	30	used	use	VERB
easat-2975	90	31	as	as	ADP
easat-2975	90	32	an	an	DET
easat-2975	90	33	independent	independent	ADJ
easat-2975	90	34	variable	variable	NOUN
easat-2975	90	35	representing	represent	VERB
easat-2975	90	36	the	the	DET
easat-2975	90	37	strength	strength	NOUN
easat-2975	90	38	of	of	ADP
easat-2975	90	39	the	the	DET
easat-2975	90	40	relationship	relationship	NOUN
easat-2975	90	41	between	between	ADP
easat-2975	90	42	the	the	DET
easat-2975	90	43	company	company	NOUN
easat-2975	90	44	and	and	CCONJ
easat-2975	90	45	the	the	DET
easat-2975	90	46	bank.6	bank.6	PROPN
easat-2975	90	47	according	accord	VERB
easat-2975	90	48	to	to	ADP
easat-2975	90	49	the	the	DET
easat-2975	90	50	relationship	relationship	NOUN
easat-2975	90	51	theory	theory	NOUN
easat-2975	90	52	,	,	PUNCT
easat-2975	90	53	the	the	DET
easat-2975	90	54	frequency	frequency	NOUN
easat-2975	90	55	of	of	ADP
easat-2975	90	56	contact	contact	NOUN
easat-2975	90	57	between	between	ADP
easat-2975	90	58	an	an	DET
easat-2975	90	59	sme	sme	NOUN
easat-2975	90	60	and	and	CCONJ
easat-2975	90	61	their	their	PRON
easat-2975	90	62	bank	bank	NOUN
easat-2975	90	63	increases	increase	NOUN
easat-2975	90	64	as	as	ADP
easat-2975	90	65	the	the	DET
easat-2975	90	66	distance	distance	NOUN
easat-2975	90	67	between	between	ADP
easat-2975	90	68	them	they	PRON
easat-2975	90	69	becomes	become	VERB
easat-2975	90	70	shorter	short	ADJ
easat-2975	90	71	,	,	PUNCT
easat-2975	90	72	making	make	VERB
easat-2975	90	73	it	it	PRON
easat-2975	90	74	easier	easy	ADJ
easat-2975	90	75	for	for	SCONJ
easat-2975	90	76	them	they	PRON
easat-2975	90	77	to	to	PART
easat-2975	90	78	build	build	VERB
easat-2975	90	79	a	a	DET
easat-2975	90	80	close	close	ADJ
easat-2975	90	81	relationship	relationship	NOUN
easat-2975	90	82	.	.	PUNCT
easat-2975	91	1	for	for	ADP
easat-2975	91	2	example	example	NOUN
easat-2975	91	3	,	,	PUNCT
easat-2975	91	4	alessandrini	alessandrini	PROPN
easat-2975	91	5	,	,	PUNCT
easat-2975	91	6	presbitero	presbitero	NOUN
easat-2975	91	7	,	,	PUNCT
easat-2975	91	8	and	and	CCONJ
easat-2975	91	9	zazzaro	zazzaro	NOUN
easat-2975	91	10	(	(	PUNCT
easat-2975	91	11	2008	2008	NUM
easat-2975	91	12	)	)	PUNCT
easat-2975	91	13	analyzed	analyze	VERB
easat-2975	91	14	and	and	CCONJ
easat-2975	91	15	found	find	VERB
easat-2975	91	16	that	that	SCONJ
easat-2975	91	17	the	the	DET
easat-2975	91	18	amount	amount	NOUN
easat-2975	91	19	of	of	ADP
easat-2975	91	20	funding	funding	NOUN
easat-2975	91	21	the	the	DET
easat-2975	91	22	company	company	NOUN
easat-2975	91	23	provides	provide	VERB
easat-2975	91	24	increases	increase	NOUN
easat-2975	91	25	as	as	SCONJ
easat-2975	91	26	the	the	DET
easat-2975	91	27	relationship	relationship	NOUN
easat-2975	91	28	between	between	ADP
easat-2975	91	29	the	the	DET
easat-2975	91	30	company	company	NOUN
easat-2975	91	31	and	and	CCONJ
easat-2975	91	32	the	the	DET
easat-2975	91	33	bank	bank	NOUN
easat-2975	91	34	becomes	become	VERB
easat-2975	91	35	closer	close	ADJ
easat-2975	91	36	.	.	PUNCT
easat-2975	92	1	as	as	SCONJ
easat-2975	92	2	regards	regard	VERB
easat-2975	92	3	the	the	DET
easat-2975	92	4	number	number	NOUN
easat-2975	92	5	of	of	ADP
easat-2975	92	6	banks	bank	NOUN
easat-2975	92	7	from	from	ADP
easat-2975	92	8	which	which	PRON
easat-2975	92	9	a	a	DET
easat-2975	92	10	company	company	NOUN
easat-2975	92	11	receives	receive	VERB
easat-2975	92	12	loans	loan	NOUN
easat-2975	92	13	,	,	PUNCT
easat-2975	92	14	although	although	SCONJ
easat-2975	92	15	we	we	PRON
easat-2975	92	16	can	can	AUX
easat-2975	92	17	expect	expect	VERB
easat-2975	92	18	the	the	DET
easat-2975	92	19	relationship	relationship	NOUN
easat-2975	92	20	to	to	PART
easat-2975	92	21	be	be	AUX
easat-2975	92	22	more	more	ADV
easat-2975	92	23	robust	robust	ADJ
easat-2975	92	24	when	when	SCONJ
easat-2975	92	25	there	there	PRON
easat-2975	92	26	are	be	VERB
easat-2975	92	27	fewer	few	ADJ
easat-2975	92	28	banks	bank	NOUN
easat-2975	92	29	,	,	PUNCT
easat-2975	92	30	the	the	DET
easat-2975	92	31	mean	mean	NOUN
easat-2975	92	32	among	among	ADP
easat-2975	92	33	smes	sme	NOUN
easat-2975	92	34	remains	remain	VERB
easat-2975	92	35	at	at	ADP
easat-2975	92	36	1.69	1.69	NUM
easat-2975	92	37	banks	bank	NOUN
easat-2975	92	38	,	,	PUNCT
easat-2975	92	39	as	as	SCONJ
easat-2975	92	40	shown	show	VERB
easat-2975	92	41	in	in	ADP
easat-2975	92	42	table	table	NOUN
easat-2975	92	43	2	2	NUM
easat-2975	92	44	.	.	PUNCT
easat-2975	93	1	the	the	DET
easat-2975	93	2	means	mean	NOUN
easat-2975	93	3	in	in	ADP
easat-2975	93	4	japan	japan	PROPN
easat-2975	93	5	and	and	CCONJ
easat-2975	93	6	the	the	DET
easat-2975	93	7	united	united	PROPN
easat-2975	93	8	states	states	PROPN
easat-2975	93	9	have	have	AUX
easat-2975	93	10	been	be	AUX
easat-2975	93	11	reported	report	VERB
easat-2975	93	12	as	as	ADP
easat-2975	93	13	4.1	4.1	NUM
easat-2975	93	14	to	to	PART
easat-2975	93	15	4.2	4.2	NUM
easat-2975	93	16	(	(	PUNCT
easat-2975	93	17	ono	ono	PROPN
easat-2975	93	18	and	and	CCONJ
easat-2975	93	19	uesugi	uesugi	NOUN
easat-2975	93	20	,	,	PUNCT
easat-2975	93	21	2009	2009	NUM
easat-2975	93	22	)	)	PUNCT
easat-2975	93	23	and	and	CCONJ
easat-2975	93	24	1.2	1.2	NUM
easat-2975	93	25	(	(	PUNCT
easat-2975	93	26	brick	brick	NOUN
easat-2975	93	27	and	and	CCONJ
easat-2975	93	28	palia	palia	NOUN
easat-2975	93	29	,	,	PUNCT
easat-2975	93	30	2007	2007	NUM
easat-2975	93	31	)	)	PUNCT
easat-2975	93	32	,	,	PUNCT
easat-2975	93	33	respectively	respectively	ADV
easat-2975	93	34	.	.	PUNCT
easat-2975	94	1	in	in	ADP
easat-2975	94	2	addition	addition	NOUN
easat-2975	94	3	,	,	PUNCT
easat-2975	94	4	the	the	PRON
easat-2975	94	5	longer	long	ADV
easat-2975	94	6	the	the	DET
easat-2975	94	7	company	company	NOUN
easat-2975	94	8	does	do	VERB
easat-2975	94	9	business	business	NOUN
easat-2975	94	10	with	with	ADP
easat-2975	94	11	their	their	PRON
easat-2975	94	12	central	central	ADJ
easat-2975	94	13	bank	bank	NOUN
easat-2975	94	14	,	,	PUNCT
easat-2975	94	15	the	the	PRON
easat-2975	94	16	stronger	strong	ADJ
easat-2975	94	17	their	their	PRON
easat-2975	94	18	relationship	relationship	NOUN
easat-2975	94	19	should	should	AUX
easat-2975	94	20	become	become	VERB
easat-2975	94	21	.	.	PUNCT
easat-2975	95	1	such	such	ADJ
easat-2975	95	2	analyses	analysis	NOUN
easat-2975	95	3	of	of	ADP
easat-2975	95	4	the	the	DET
easat-2975	95	5	strength	strength	NOUN
easat-2975	95	6	of	of	ADP
easat-2975	95	7	the	the	DET
easat-2975	95	8	relationship	relationship	NOUN
easat-2975	95	9	have	have	AUX
easat-2975	95	10	shown	show	VERB
easat-2975	95	11	the	the	DET
easat-2975	95	12	significance	significance	NOUN
easat-2975	95	13	of	of	ADP
easat-2975	95	14	the	the	DET
easat-2975	95	15	length	length	NOUN
easat-2975	95	16	of	of	ADP
easat-2975	95	17	the	the	DET
easat-2975	95	18	relationship	relationship	NOUN
easat-2975	95	19	in	in	ADP
easat-2975	95	20	empirical	empirical	ADJ
easat-2975	95	21	studies	study	NOUN
easat-2975	95	22	,	,	PUNCT
easat-2975	95	23	such	such	ADJ
easat-2975	95	24	as	as	ADP
easat-2975	95	25	that	that	PRON
easat-2975	95	26	by	by	ADP
easat-2975	95	27	tang	tang	PROPN
easat-2975	95	28	(	(	PUNCT
easat-2975	95	29	2012	2012	NUM
easat-2975	95	30	)	)	PUNCT
easat-2975	95	31	.	.	PUNCT
easat-2975	96	1	the	the	DET
easat-2975	96	2	diversity	diversity	NOUN
easat-2975	96	3	of	of	ADP
easat-2975	96	4	business	business	NOUN
easat-2975	96	5	services	service	NOUN
easat-2975	96	6	also	also	ADV
easat-2975	96	7	represents	represent	VERB
easat-2975	96	8	the	the	DET
easat-2975	96	9	strength	strength	NOUN
easat-2975	96	10	of	of	ADP
easat-2975	96	11	relationship	relationship	NOUN
easat-2975	96	12	lending	lending	NOUN
easat-2975	96	13	because	because	SCONJ
easat-2975	96	14	financial	financial	ADJ
easat-2975	96	15	transactions	transaction	NOUN
easat-2975	96	16	include	include	VERB
easat-2975	96	17	lending	lend	VERB
easat-2975	96	18	not	not	PART
easat-2975	96	19	only	only	ADV
easat-2975	96	20	to	to	ADP
easat-2975	96	21	companies	company	NOUN
easat-2975	96	22	but	but	CCONJ
easat-2975	96	23	also	also	ADV
easat-2975	96	24	to	to	ADP
easat-2975	96	25	items	item	NOUN
easat-2975	96	26	such	such	ADJ
easat-2975	96	27	as	as	ADP
easat-2975	96	28	settlement	settlement	NOUN
easat-2975	96	29	,	,	PUNCT
easat-2975	96	30	wealth	wealth	NOUN
easat-2975	96	31	management	management	NOUN
easat-2975	96	32	product	product	NOUN
easat-2975	96	33	investment	investment	NOUN
easat-2975	96	34	,	,	PUNCT
easat-2975	96	35	and	and	CCONJ
easat-2975	96	36	foreign	foreign	ADJ
easat-2975	96	37	currency	currency	NOUN
easat-2975	96	38	procurement	procurement	NOUN
easat-2975	96	39	.	.	PUNCT
easat-2975	97	1	table	table	NOUN
easat-2975	97	2	2	2	NUM
easat-2975	97	3	shows	show	VERB
easat-2975	97	4	that	that	SCONJ
easat-2975	97	5	the	the	DET
easat-2975	97	6	mean	mean	NOUN
easat-2975	97	7	of	of	ADP
easat-2975	97	8	a	a	DET
easat-2975	97	9	bank	bank	NOUN
easat-2975	97	10	’s	’s	PART
easat-2975	97	11	business	business	NOUN
easat-2975	97	12	services	service	NOUN
easat-2975	97	13	to	to	ADP
easat-2975	97	14	the	the	DET
easat-2975	97	15	company	company	NOUN
easat-2975	97	16	is	be	AUX
easat-2975	97	17	3.1	3.1	NUM
easat-2975	97	18	.	.	PUNCT
easat-2975	98	1	however	however	ADV
easat-2975	98	2	,	,	PUNCT
easat-2975	98	3	as	as	SCONJ
easat-2975	98	4	demonstrated	demonstrate	VERB
easat-2975	98	5	by	by	ADP
easat-2975	98	6	tang	tang	PROPN
easat-2975	98	7	(	(	PUNCT
easat-2975	98	8	2012	2012	NUM
easat-2975	98	9	)	)	PUNCT
easat-2975	98	10	,	,	PUNCT
easat-2975	98	11	it	it	PRON
easat-2975	98	12	seems	seem	VERB
easat-2975	98	13	that	that	SCONJ
easat-2975	98	14	banks	bank	NOUN
easat-2975	98	15	often	often	ADV
easat-2975	98	16	make	make	VERB
easat-2975	98	17	companies	company	NOUN
easat-2975	98	18	redeposit	redeposit	VERB
easat-2975	98	19	or	or	CCONJ
easat-2975	98	20	reinvest	reinvest	VERB
easat-2975	98	21	in	in	ADP
easat-2975	98	22	wealth	wealth	NOUN
easat-2975	98	23	management	management	NOUN
easat-2975	98	24	products	product	NOUN
easat-2975	98	25	a	a	DET
easat-2975	98	26	portion	portion	NOUN
easat-2975	98	27	of	of	ADP
easat-2975	98	28	the	the	DET
easat-2975	98	29	loan	loan	NOUN
easat-2975	98	30	6we	6we	NOUN
easat-2975	98	31	have	have	AUX
easat-2975	98	32	also	also	ADV
easat-2975	98	33	asked	ask	VERB
easat-2975	98	34	about	about	ADP
easat-2975	98	35	spatial	spatial	ADJ
easat-2975	98	36	distance	distance	NOUN
easat-2975	98	37	.	.	PUNCT
easat-2975	99	1	4475	4475	NUM
easat-2975	99	2	edelweiss	edelweiss	PROPN
easat-2975	99	3	applied	apply	VERB
easat-2975	99	4	science	science	NOUN
easat-2975	99	5	and	and	CCONJ
easat-2975	99	6	technology	technology	NOUN
easat-2975	99	7	issn	issn	PROPN
easat-2975	99	8	:	:	PUNCT
easat-2975	99	9	2576	2576	NUM
easat-2975	99	10	-	-	SYM
easat-2975	99	11	8484	8484	NUM
easat-2975	99	12	vol	vol	NOUN
easat-2975	99	13	.	.	PROPN
easat-2975	99	14	8	8	NUM
easat-2975	99	15	,	,	PUNCT
easat-2975	99	16	no	no	INTJ
easat-2975	99	17	.	.	NOUN
easat-2975	100	1	6	6	NUM
easat-2975	100	2	:	:	SYM
easat-2975	100	3	4470	4470	NUM
easat-2975	100	4	-	-	SYM
easat-2975	100	5	4478	4478	NUM
easat-2975	100	6	,	,	PUNCT
easat-2975	100	7	2024	2024	NUM
easat-2975	100	8	doi	doi	NOUN
easat-2975	100	9	:	:	PUNCT
easat-2975	100	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	100	11	©	©	ADP
easat-2975	100	12	2024	2024	NUM
easat-2975	100	13	by	by	ADP
easat-2975	100	14	the	the	DET
easat-2975	100	15	authors	author	NOUN
easat-2975	100	16	;	;	PUNCT
easat-2975	100	17	licensee	licensee	PROPN
easat-2975	100	18	learning	learning	NOUN
easat-2975	100	19	gate	gate	NOUN
easat-2975	100	20	financed	finance	VERB
easat-2975	100	21	by	by	ADP
easat-2975	100	22	the	the	DET
easat-2975	100	23	bank	bank	NOUN
easat-2975	100	24	.	.	PUNCT
easat-2975	101	1	thirty	thirty	NUM
easat-2975	101	2	-	-	PUNCT
easat-2975	101	3	eight	eight	NUM
easat-2975	101	4	companies	company	NOUN
easat-2975	101	5	,	,	PUNCT
easat-2975	101	6	or	or	CCONJ
easat-2975	101	7	28.6	28.6	NUM
easat-2975	101	8	%	%	NOUN
easat-2975	101	9	of	of	ADP
easat-2975	101	10	our	our	PRON
easat-2975	101	11	surveyed	survey	VERB
easat-2975	101	12	companies	company	NOUN
easat-2975	101	13	,	,	PUNCT
easat-2975	101	14	used	use	VERB
easat-2975	101	15	bank	bank	NOUN
easat-2975	101	16	wealth	wealth	NOUN
easat-2975	101	17	management	management	NOUN
easat-2975	101	18	services	service	NOUN
easat-2975	101	19	.	.	PUNCT
easat-2975	102	1	according	accord	VERB
easat-2975	102	2	to	to	ADP
easat-2975	102	3	ono	ono	PROPN
easat-2975	102	4	and	and	CCONJ
easat-2975	102	5	uesugi	uesugi	ADJ
easat-2975	102	6	(	(	PUNCT
easat-2975	102	7	2009	2009	NUM
easat-2975	102	8	)	)	PUNCT
easat-2975	102	9	,	,	PUNCT
easat-2975	102	10	the	the	DET
easat-2975	102	11	mean	mean	ADJ
easat-2975	102	12	number	number	NOUN
easat-2975	102	13	of	of	ADP
easat-2975	102	14	business	business	NOUN
easat-2975	102	15	services	service	NOUN
easat-2975	102	16	(	(	PUNCT
easat-2975	102	17	excluding	exclude	VERB
easat-2975	102	18	lending	lending	NOUN
easat-2975	102	19	transactions	transaction	NOUN
easat-2975	102	20	)	)	PUNCT
easat-2975	102	21	smes	sme	NOUN
easat-2975	102	22	receive	receive	VERB
easat-2975	102	23	from	from	ADP
easat-2975	102	24	their	their	PRON
easat-2975	102	25	central	central	ADJ
easat-2975	102	26	bank	bank	NOUN
easat-2975	102	27	is	be	AUX
easat-2975	102	28	4.2	4.2	NUM
easat-2975	102	29	.	.	PUNCT
easat-2975	103	1	we	we	PRON
easat-2975	103	2	can	can	AUX
easat-2975	103	3	say	say	VERB
easat-2975	103	4	that	that	SCONJ
easat-2975	103	5	smes	sme	NOUN
easat-2975	103	6	in	in	ADP
easat-2975	103	7	japan	japan	PROPN
easat-2975	103	8	conduct	conduct	VERB
easat-2975	103	9	more	more	ADV
easat-2975	103	10	diversified	diversified	ADJ
easat-2975	103	11	financial	financial	ADJ
easat-2975	103	12	transactions	transaction	NOUN
easat-2975	103	13	with	with	ADP
easat-2975	103	14	their	their	PRON
easat-2975	103	15	banks	bank	NOUN
easat-2975	103	16	.	.	PUNCT
easat-2975	104	1	3	3	X
easat-2975	104	2	.	.	X
easat-2975	104	3	estimation	estimation	NOUN
easat-2975	104	4	results	result	VERB
easat-2975	104	5	the	the	DET
easat-2975	104	6	estimation	estimation	NOUN
easat-2975	104	7	result	result	NOUN
easat-2975	104	8	for	for	ADP
easat-2975	104	9	hypothesis	hypothesis	NOUN
easat-2975	104	10	1	1	NUM
easat-2975	104	11	is	be	AUX
easat-2975	104	12	shown	show	VERB
easat-2975	104	13	in	in	ADP
easat-2975	104	14	table	table	NOUN
easat-2975	104	15	4	4	NUM
easat-2975	104	16	.	.	PUNCT
easat-2975	105	1	it	it	PRON
easat-2975	105	2	results	result	VERB
easat-2975	105	3	from	from	ADP
easat-2975	105	4	analyzing	analyze	VERB
easat-2975	105	5	a	a	DET
easat-2975	105	6	loan	loan	NOUN
easat-2975	105	7	officer	officer	NOUN
easat-2975	105	8	’s	’s	PART
easat-2975	105	9	role	role	NOUN
easat-2975	105	10	in	in	ADP
easat-2975	105	11	accumulating	accumulate	VERB
easat-2975	105	12	soft	soft	ADJ
easat-2975	105	13	information	information	NOUN
easat-2975	105	14	.	.	PUNCT
easat-2975	106	1	based	base	VERB
easat-2975	106	2	on	on	ADP
easat-2975	106	3	this	this	PRON
easat-2975	106	4	,	,	PUNCT
easat-2975	106	5	the	the	DET
easat-2975	106	6	result	result	NOUN
easat-2975	106	7	is	be	AUX
easat-2975	106	8	positive	positive	ADJ
easat-2975	106	9	and	and	CCONJ
easat-2975	106	10	significant	significant	ADJ
easat-2975	106	11	when	when	SCONJ
easat-2975	106	12	the	the	DET
easat-2975	106	13	loan	loan	NOUN
easat-2975	106	14	officer	officer	NOUN
easat-2975	106	15	is	be	AUX
easat-2975	106	16	not	not	PART
easat-2975	106	17	replaced	replace	VERB
easat-2975	106	18	.	.	PUNCT
easat-2975	107	1	it	it	PRON
easat-2975	107	2	implies	imply	VERB
easat-2975	107	3	that	that	SCONJ
easat-2975	107	4	the	the	DET
easat-2975	107	5	amount	amount	NOUN
easat-2975	107	6	of	of	ADP
easat-2975	107	7	soft	soft	ADJ
easat-2975	107	8	information	information	NOUN
easat-2975	107	9	produced	produce	VERB
easat-2975	107	10	increases	increase	NOUN
easat-2975	107	11	when	when	SCONJ
easat-2975	107	12	the	the	DET
easat-2975	107	13	same	same	ADJ
easat-2975	107	14	loan	loan	NOUN
easat-2975	107	15	officer	officer	NOUN
easat-2975	107	16	remains	remain	VERB
easat-2975	107	17	in	in	ADP
easat-2975	107	18	charge	charge	NOUN
easat-2975	107	19	of	of	ADP
easat-2975	107	20	the	the	DET
easat-2975	107	21	lender	lender	NOUN
easat-2975	107	22	company	company	NOUN
easat-2975	107	23	in	in	ADP
easat-2975	107	24	the	the	DET
easat-2975	107	25	long	long	ADJ
easat-2975	107	26	term	term	NOUN
easat-2975	107	27	.	.	PUNCT
easat-2975	108	1	table	table	NOUN
easat-2975	108	2	4	4	NUM
easat-2975	108	3	.	.	PUNCT
easat-2975	108	4	information	information	NOUN
easat-2975	108	5	production	production	NOUN
easat-2975	108	6	and	and	CCONJ
easat-2975	108	7	activities	activity	NOUN
easat-2975	108	8	of	of	ADP
easat-2975	108	9	the	the	DET
easat-2975	108	10	loan	loan	NOUN
easat-2975	108	11	officer	officer	NOUN
easat-2975	108	12	.	.	PUNCT
easat-2975	109	1	(	(	PUNCT
easat-2975	109	2	dependent	dependent	ADJ
easat-2975	109	3	variable	variable	NOUN
easat-2975	109	4	=	=	SYM
easat-2975	109	5	soft	soft	ADJ
easat-2975	109	6	)	)	PUNCT
easat-2975	109	7	coefficient	coefficient	NOUN
easat-2975	109	8	standard	standard	ADJ
easat-2975	109	9	error	error	NOUN
easat-2975	109	10	p	p	NOUN
easat-2975	109	11	-	-	PUNCT
easat-2975	109	12	value	value	NOUN
easat-2975	109	13	constant	constant	ADJ
easat-2975	109	14	term	term	NOUN
easat-2975	109	15	-6.348	-6.348	NOUN
easat-2975	109	16	*	*	PUNCT
easat-2975	109	17	*	*	PUNCT
easat-2975	109	18	*	*	PUNCT
easat-2975	109	19	1.890	1.890	NUM
easat-2975	109	20	0.001	0.001	NUM
easat-2975	109	21	tenure	tenure	NOUN
easat-2975	109	22	as	as	ADP
easat-2975	109	23	ceo	ceo	NOUN
easat-2975	109	24	0.046	0.046	NUM
easat-2975	109	25	0.028	0.028	NUM
easat-2975	109	26	0.105	0.105	NUM
easat-2975	109	27	asset	asset	NOUN
easat-2975	109	28	size	size	NOUN
easat-2975	109	29	(	(	PUNCT
easat-2975	109	30	log	log	NOUN
easat-2975	109	31	)	)	PUNCT
easat-2975	109	32	2.919	2.919	NUM
easat-2975	109	33	*	*	PUNCT
easat-2975	109	34	*	*	PUNCT
easat-2975	109	35	*	*	PUNCT
easat-2975	109	36	0.941	0.941	NUM
easat-2975	109	37	0.003	0.003	NUM
easat-2975	109	38	frequency	frequency	NOUN
easat-2975	109	39	of	of	ADP
easat-2975	109	40	visit	visit	NOUN
easat-2975	109	41	-0.005	-0.005	INTJ
easat-2975	109	42	0.004	0.004	NUM
easat-2975	109	43	0.235	0.235	NUM
easat-2975	109	44	replacement	replacement	NOUN
easat-2975	109	45	of	of	ADP
easat-2975	109	46	the	the	DET
easat-2975	109	47	loan	loan	NOUN
easat-2975	109	48	officer	officer	NOUN
easat-2975	109	49	(	(	PUNCT
easat-2975	109	50	no	no	NOUN
easat-2975	109	51	=	=	NOUN
easat-2975	109	52	0	0	NUM
easat-2975	109	53	,	,	PUNCT
easat-2975	109	54	one	one	NUM
easat-2975	109	55	or	or	CCONJ
easat-2975	109	56	more	more	ADJ
easat-2975	109	57	=	=	SYM
easat-2975	109	58	0	0	NUM
easat-2975	109	59	)	)	PUNCT
easat-2975	109	60	0.758	0.758	NUM
easat-2975	109	61	*	*	SYM
easat-2975	109	62	*	*	NOUN
easat-2975	109	63	0.332	0.332	NUM
easat-2975	109	64	0.025	0.025	NUM
easat-2975	109	65	the	the	DET
easat-2975	109	66	age	age	NOUN
easat-2975	109	67	group	group	NOUN
easat-2975	109	68	of	of	ADP
easat-2975	109	69	the	the	DET
easat-2975	109	70	loan	loan	NOUN
easat-2975	109	71	officer	officer	NOUN
easat-2975	109	72	(	(	PUNCT
easat-2975	109	73	in	in	ADP
easat-2975	109	74	his	his	PRON
easat-2975	109	75	/	/	SYM
easat-2975	109	76	her	her	PRON
easat-2975	109	77	30s	30	NOUN
easat-2975	109	78	=	=	SYM
easat-2975	109	79	1	1	NUM
easat-2975	109	80	)	)	PUNCT
easat-2975	109	81	in	in	ADP
easat-2975	109	82	his	his	PRON
easat-2975	109	83	/	/	SYM
easat-2975	109	84	her	her	PRON
easat-2975	109	85	20s	20	NOUN
easat-2975	109	86	0.534	0.534	NUM
easat-2975	109	87	0.413	0.413	NUM
easat-2975	109	88	0.202	0.202	NUM
easat-2975	109	89	in	in	ADP
easat-2975	109	90	his	his	PRON
easat-2975	109	91	/	/	SYM
easat-2975	109	92	her	her	PRON
easat-2975	109	93	40s	40	NOUN
easat-2975	109	94	or	or	CCONJ
easat-2975	109	95	older	old	ADJ
easat-2975	109	96	0.232	0.232	NUM
easat-2975	109	97	0.327	0.327	NUM
easat-2975	109	98	0.944	0.944	NUM
easat-2975	109	99	meeting	meeting	NOUN
easat-2975	109	100	place	place	NOUN
easat-2975	109	101	(	(	PUNCT
easat-2975	109	102	at	at	ADP
easat-2975	109	103	the	the	DET
easat-2975	109	104	company	company	NOUN
easat-2975	109	105	=	=	NOUN
easat-2975	109	106	1	1	NUM
easat-2975	109	107	;	;	PUNCT
easat-2975	109	108	at	at	ADP
easat-2975	109	109	the	the	DET
easat-2975	109	110	bank	bank	NOUN
easat-2975	109	111	=	=	SYM
easat-2975	109	112	0	0	NUM
easat-2975	109	113	)	)	PUNCT
easat-2975	109	114	0.046	0.046	NUM
easat-2975	109	115	0.300	0.300	NUM
easat-2975	109	116	0.988	0.988	NUM
easat-2975	109	117	contact	contact	NOUN
easat-2975	109	118	method	method	NOUN
easat-2975	109	119	(	(	PUNCT
easat-2975	109	120	in	in	ADP
easat-2975	109	121	person	person	NOUN
easat-2975	109	122	=	=	SYM
easat-2975	109	123	1	1	NUM
easat-2975	109	124	;	;	PUNCT
easat-2975	109	125	telephone	telephone	NOUN
easat-2975	109	126	,	,	PUNCT
easat-2975	109	127	fax	fax	NOUN
easat-2975	109	128	,	,	PUNCT
easat-2975	109	129	qq	qq	X
easat-2975	109	130	,	,	PUNCT
easat-2975	109	131	etc	etc	X
easat-2975	109	132	.	.	X
easat-2975	110	1	=	=	SYM
easat-2975	110	2	0	0	NUM
easat-2975	110	3	)	)	PUNCT
easat-2975	110	4	-0.095	-0.095	NOUN
easat-2975	110	5	0.270	0.270	NUM
easat-2975	110	6	0.726	0.726	NUM
easat-2975	110	7	frequency	frequency	NOUN
easat-2975	110	8	of	of	ADP
easat-2975	110	9	financial	financial	ADJ
easat-2975	110	10	statement	statement	NOUN
easat-2975	110	11	submission	submission	NOUN
easat-2975	110	12	(	(	PUNCT
easat-2975	110	13	once	once	ADV
easat-2975	110	14	a	a	DET
easat-2975	110	15	month	month	NOUN
easat-2975	110	16	or	or	CCONJ
easat-2975	110	17	more	more	ADJ
easat-2975	110	18	=	=	SYM
easat-2975	110	19	1	1	NUM
easat-2975	110	20	;	;	PUNCT
easat-2975	110	21	once	once	SCONJ
easat-2975	110	22	every	every	DET
easat-2975	110	23	three	three	NUM
easat-2975	110	24	months	month	NOUN
easat-2975	110	25	or	or	CCONJ
easat-2975	110	26	less	less	ADJ
easat-2975	110	27	=	=	SYM
easat-2975	110	28	0	0	NUM
easat-2975	110	29	)	)	PUNCT
easat-2975	110	30	1.274	1.274	NUM
easat-2975	110	31	*	*	PUNCT
easat-2975	110	32	*	*	PUNCT
easat-2975	110	33	*	*	PUNCT
easat-2975	110	34	0.301	0.301	NUM
easat-2975	110	35	0.000	0.000	NUM
easat-2975	110	36	number	number	NOUN
easat-2975	110	37	of	of	ADP
easat-2975	110	38	banks	bank	NOUN
easat-2975	110	39	with	with	ADP
easat-2975	110	40	loans	loan	NOUN
easat-2975	110	41	-0.563	-0.563	NOUN
easat-2975	110	42	*	*	PUNCT
easat-2975	110	43	*	*	PUNCT
easat-2975	110	44	*	*	PUNCT
easat-2975	110	45	0.181	0.181	NUM
easat-2975	110	46	0.003	0.003	NUM
easat-2975	110	47	regional	regional	ADJ
easat-2975	110	48	bank	bank	NOUN
easat-2975	110	49	(	(	PUNCT
easat-2975	110	50	regional	regional	ADJ
easat-2975	110	51	bank	bank	NOUN
easat-2975	110	52	=	=	SYM
easat-2975	110	53	1	1	NUM
easat-2975	110	54	;	;	PUNCT
easat-2975	110	55	state	state	NOUN
easat-2975	110	56	-	-	PUNCT
easat-2975	110	57	owned	own	VERB
easat-2975	110	58	bank	bank	NOUN
easat-2975	110	59	;	;	PUNCT
easat-2975	110	60	commercial	commercial	ADJ
easat-2975	110	61	bank	bank	NOUN
easat-2975	110	62	=	=	NOUN
easat-2975	110	63	0	0	NUM
easat-2975	110	64	)	)	PUNCT
easat-2975	110	65	0.369	0.369	NUM
easat-2975	110	66	0.263	0.263	NUM
easat-2975	110	67	0.163	0.163	NUM
easat-2975	110	68	temporal	temporal	ADJ
easat-2975	110	69	distance	distance	NOUN
easat-2975	110	70	(	(	PUNCT
easat-2975	110	71	within	within	ADP
easat-2975	110	72	5	5	NUM
easat-2975	110	73	minutes	minute	NOUN
easat-2975	110	74	=	=	SYM
easat-2975	110	75	1	1	NUM
easat-2975	110	76	;	;	PUNCT
easat-2975	110	77	more	more	ADJ
easat-2975	110	78	than	than	ADP
easat-2975	110	79	5	5	NUM
easat-2975	110	80	minutes	minute	NOUN
easat-2975	110	81	=	=	SYM
easat-2975	110	82	0	0	NUM
easat-2975	110	83	)	)	PUNCT
easat-2975	110	84	0.605	0.605	NUM
easat-2975	110	85	*	*	PUNCT
easat-2975	110	86	*	*	PUNCT
easat-2975	110	87	0.269	0.269	NUM
easat-2975	110	88	0.027	0.027	NUM
easat-2975	110	89	sample	sample	NOUN
easat-2975	110	90	size	size	NOUN
easat-2975	110	91	101	101	NUM
easat-2975	110	92	adjusted	adjust	VERB
easat-2975	110	93	coefficient	coefficient	NOUN
easat-2975	110	94	of	of	ADP
easat-2975	110	95	determination	determination	NOUN
easat-2975	110	96	0.315	0.315	NUM
easat-2975	110	97	note	note	NOUN
easat-2975	110	98	:	:	PUNCT
easat-2975	110	99	*	*	PUNCT
easat-2975	110	100	*	*	PUNCT
easat-2975	110	101	*	*	PUNCT
easat-2975	110	102	,	,	PUNCT
easat-2975	110	103	*	*	PUNCT
easat-2975	110	104	*	*	PUNCT
easat-2975	110	105	,	,	PUNCT
easat-2975	110	106	and	and	CCONJ
easat-2975	110	107	*	*	PUNCT
easat-2975	110	108	indicate	indicate	VERB
easat-2975	110	109	that	that	SCONJ
easat-2975	110	110	the	the	DET
easat-2975	110	111	coefficient	coefficient	NOUN
easat-2975	110	112	is	be	AUX
easat-2975	110	113	significant	significant	ADJ
easat-2975	110	114	at	at	ADP
easat-2975	110	115	the	the	DET
easat-2975	110	116	1	1	NUM
easat-2975	110	117	%	%	NOUN
easat-2975	110	118	,	,	PUNCT
easat-2975	110	119	5	5	NUM
easat-2975	110	120	%	%	NOUN
easat-2975	110	121	,	,	PUNCT
easat-2975	110	122	and	and	CCONJ
easat-2975	110	123	10	10	NUM
easat-2975	110	124	%	%	NOUN
easat-2975	110	125	,	,	PUNCT
easat-2975	110	126	respectively	respectively	ADV
easat-2975	110	127	.	.	PUNCT
easat-2975	111	1	the	the	DET
easat-2975	111	2	reference	reference	NOUN
easat-2975	111	3	age	age	NOUN
easat-2975	111	4	group	group	NOUN
easat-2975	111	5	of	of	ADP
easat-2975	111	6	the	the	DET
easat-2975	111	7	loan	loan	NOUN
easat-2975	111	8	officer	officer	NOUN
easat-2975	111	9	is	be	AUX
easat-2975	111	10	“	"	PUNCT
easat-2975	111	11	in	in	ADP
easat-2975	111	12	his	his	PRON
easat-2975	111	13	/	/	SYM
easat-2975	111	14	her	her	PRON
easat-2975	111	15	30s	30	NOUN
easat-2975	111	16	,	,	PUNCT
easat-2975	111	17	”	"	PUNCT
easat-2975	111	18	and	and	CCONJ
easat-2975	111	19	the	the	DET
easat-2975	111	20	dummy	dummy	ADJ
easat-2975	111	21	variables	variable	NOUN
easat-2975	111	22	were	be	AUX
easat-2975	111	23	not	not	PART
easat-2975	111	24	significant	significant	ADJ
easat-2975	111	25	for	for	ADP
easat-2975	111	26	“	"	PUNCT
easat-2975	111	27	in	in	ADP
easat-2975	111	28	his	his	PRON
easat-2975	111	29	/	/	SYM
easat-2975	111	30	her	her	PRON
easat-2975	111	31	20s	20	NOUN
easat-2975	111	32	”	"	PUNCT
easat-2975	111	33	or	or	CCONJ
easat-2975	111	34	“	"	PUNCT
easat-2975	111	35	in	in	ADP
easat-2975	111	36	his	his	PRON
easat-2975	111	37	/	/	SYM
easat-2975	111	38	her	her	PRON
easat-2975	111	39	40s	40	NOUN
easat-2975	111	40	or	or	CCONJ
easat-2975	111	41	older	old	ADJ
easat-2975	111	42	,	,	PUNCT
easat-2975	111	43	”	"	PUNCT
easat-2975	111	44	indicating	indicate	VERB
easat-2975	111	45	that	that	SCONJ
easat-2975	111	46	the	the	DET
easat-2975	111	47	collection	collection	NOUN
easat-2975	111	48	of	of	ADP
easat-2975	111	49	soft	soft	ADJ
easat-2975	111	50	information	information	NOUN
easat-2975	111	51	is	be	AUX
easat-2975	111	52	not	not	PART
easat-2975	111	53	associated	associate	VERB
easat-2975	111	54	with	with	ADP
easat-2975	111	55	a	a	DET
easat-2975	111	56	loan	loan	NOUN
easat-2975	111	57	officer	officer	NOUN
easat-2975	111	58	’s	’s	PART
easat-2975	111	59	skill	skill	NOUN
easat-2975	111	60	level	level	NOUN
easat-2975	111	61	.	.	PUNCT
easat-2975	112	1	in	in	ADP
easat-2975	112	2	addition	addition	NOUN
easat-2975	112	3	,	,	PUNCT
easat-2975	112	4	it	it	PRON
easat-2975	112	5	became	become	VERB
easat-2975	112	6	clear	clear	ADJ
easat-2975	112	7	that	that	SCONJ
easat-2975	112	8	factors	factor	NOUN
easat-2975	112	9	such	such	ADJ
easat-2975	112	10	as	as	ADP
easat-2975	112	11	meeting	meet	VERB
easat-2975	112	12	place	place	NOUN
easat-2975	112	13	and	and	CCONJ
easat-2975	112	14	contact	contact	NOUN
easat-2975	112	15	method	method	NOUN
easat-2975	112	16	were	be	AUX
easat-2975	112	17	unrelated	unrelated	ADJ
easat-2975	112	18	.	.	PUNCT
easat-2975	113	1	we	we	PRON
easat-2975	113	2	consider	consider	VERB
easat-2975	113	3	the	the	DET
easat-2975	113	4	results	result	NOUN
easat-2975	113	5	for	for	ADP
easat-2975	113	6	other	other	ADJ
easat-2975	113	7	main	main	ADJ
easat-2975	113	8	independent	independent	ADJ
easat-2975	113	9	variables	variable	NOUN
easat-2975	113	10	.	.	PUNCT
easat-2975	114	1	the	the	DET
easat-2975	114	2	dummy	dummy	ADJ
easat-2975	114	3	variable	variable	NOUN
easat-2975	114	4	for	for	ADP
easat-2975	114	5	submitting	submit	VERB
easat-2975	114	6	financial	financial	ADJ
easat-2975	114	7	statements	statement	NOUN
easat-2975	114	8	at	at	ADP
easat-2975	114	9	least	least	ADJ
easat-2975	114	10	once	once	ADV
easat-2975	114	11	a	a	DET
easat-2975	114	12	month	month	NOUN
easat-2975	114	13	was	be	AUX
easat-2975	114	14	positive	positive	ADJ
easat-2975	114	15	and	and	CCONJ
easat-2975	114	16	significant	significant	ADJ
easat-2975	114	17	.	.	PUNCT
easat-2975	115	1	it	it	PRON
easat-2975	115	2	suggests	suggest	VERB
easat-2975	115	3	that	that	SCONJ
easat-2975	115	4	frequent	frequent	ADJ
easat-2975	115	5	submissions	submission	NOUN
easat-2975	115	6	of	of	ADP
easat-2975	115	7	financial	financial	ADJ
easat-2975	115	8	statements	statement	NOUN
easat-2975	115	9	by	by	ADP
easat-2975	115	10	the	the	DET
easat-2975	115	11	company	company	NOUN
easat-2975	115	12	led	lead	VERB
easat-2975	115	13	the	the	DET
easat-2975	115	14	bank	bank	NOUN
easat-2975	115	15	to	to	PART
easat-2975	115	16	understand	understand	VERB
easat-2975	115	17	the	the	DET
easat-2975	115	18	company	company	NOUN
easat-2975	115	19	’s	’s	PART
easat-2975	115	20	financial	financial	ADJ
easat-2975	115	21	situation	situation	NOUN
easat-2975	115	22	well	well	ADV
easat-2975	115	23	and	and	CCONJ
easat-2975	115	24	to	to	PART
easat-2975	115	25	increase	increase	VERB
easat-2975	115	26	the	the	DET
easat-2975	115	27	frequency	frequency	NOUN
easat-2975	115	28	of	of	ADP
easat-2975	115	29	contact	contact	NOUN
easat-2975	115	30	with	with	ADP
easat-2975	115	31	the	the	DET
easat-2975	115	32	loan	loan	NOUN
easat-2975	115	33	officer	officer	NOUN
easat-2975	115	34	through	through	ADP
easat-2975	115	35	visitation	visitation	NOUN
easat-2975	115	36	.	.	PUNCT
easat-2975	116	1	in	in	ADP
easat-2975	116	2	addition	addition	NOUN
easat-2975	116	3	,	,	PUNCT
easat-2975	116	4	the	the	DET
easat-2975	116	5	dummy	dummy	ADJ
easat-2975	116	6	variable	variable	NOUN
easat-2975	116	7	of	of	ADP
easat-2975	116	8	temporal	temporal	ADJ
easat-2975	116	9	distance	distance	NOUN
easat-2975	116	10	was	be	AUX
easat-2975	116	11	positive	positive	ADJ
easat-2975	116	12	and	and	CCONJ
easat-2975	116	13	significant	significant	ADJ
easat-2975	116	14	,	,	PUNCT
easat-2975	116	15	thus	thus	ADV
easat-2975	116	16	implying	imply	VERB
easat-2975	116	17	that	that	SCONJ
easat-2975	116	18	the	the	DET
easat-2975	116	19	relationship	relationship	NOUN
easat-2975	116	20	becomes	become	VERB
easat-2975	116	21	closer	close	ADJ
easat-2975	116	22	as	as	SCONJ
easat-2975	116	23	the	the	DET
easat-2975	116	24	distance	distance	NOUN
easat-2975	116	25	between	between	ADP
easat-2975	116	26	the	the	DET
easat-2975	116	27	bank	bank	NOUN
easat-2975	116	28	and	and	CCONJ
easat-2975	116	29	the	the	DET
easat-2975	116	30	company	company	NOUN
easat-2975	116	31	becomes	become	VERB
easat-2975	116	32	shorter	short	ADJ
easat-2975	116	33	.	.	PUNCT
easat-2975	117	1	furthermore	furthermore	ADV
easat-2975	117	2	,	,	PUNCT
easat-2975	117	3	the	the	DET
easat-2975	117	4	number	number	NOUN
easat-2975	117	5	of	of	ADP
easat-2975	117	6	banks	bank	NOUN
easat-2975	117	7	the	the	DET
easat-2975	117	8	company	company	NOUN
easat-2975	117	9	does	do	VERB
easat-2975	117	10	business	business	NOUN
easat-2975	117	11	with	with	ADP
easat-2975	117	12	was	be	AUX
easat-2975	117	13	negative	negative	ADJ
easat-2975	117	14	and	and	CCONJ
easat-2975	117	15	significant	significant	ADJ
easat-2975	117	16	,	,	PUNCT
easat-2975	117	17	thus	thus	ADV
easat-2975	117	18	suggesting	suggest	VERB
easat-2975	117	19	that	that	SCONJ
easat-2975	117	20	the	the	DET
easat-2975	117	21	relationship	relationship	NOUN
easat-2975	117	22	becomes	become	VERB
easat-2975	117	23	weak	weak	ADJ
easat-2975	117	24	because	because	SCONJ
easat-2975	117	25	information	information	NOUN
easat-2975	117	26	on	on	ADP
easat-2975	117	27	the	the	DET
easat-2975	117	28	borrowing	borrowing	NOUN
easat-2975	117	29	company	company	NOUN
easat-2975	117	30	might	might	AUX
easat-2975	117	31	not	not	PART
easat-2975	117	32	be	be	AUX
easat-2975	117	33	sufficiently	sufficiently	ADV
easat-2975	117	34	generated	generate	VERB
easat-2975	117	35	.	.	PUNCT
easat-2975	118	1	4476	4476	NUM
easat-2975	118	2	edelweiss	edelweiss	PROPN
easat-2975	118	3	applied	apply	VERB
easat-2975	118	4	science	science	NOUN
easat-2975	118	5	and	and	CCONJ
easat-2975	118	6	technology	technology	NOUN
easat-2975	118	7	issn	issn	PROPN
easat-2975	118	8	:	:	PUNCT
easat-2975	118	9	2576	2576	NUM
easat-2975	118	10	-	-	SYM
easat-2975	118	11	8484	8484	NUM
easat-2975	118	12	vol	vol	NOUN
easat-2975	118	13	.	.	PROPN
easat-2975	118	14	8	8	NUM
easat-2975	118	15	,	,	PUNCT
easat-2975	118	16	no	no	INTJ
easat-2975	118	17	.	.	NOUN
easat-2975	119	1	6	6	NUM
easat-2975	119	2	:	:	SYM
easat-2975	119	3	4470	4470	NUM
easat-2975	119	4	-	-	SYM
easat-2975	119	5	4478	4478	NUM
easat-2975	119	6	,	,	PUNCT
easat-2975	119	7	2024	2024	NUM
easat-2975	119	8	doi	doi	NOUN
easat-2975	119	9	:	:	PUNCT
easat-2975	119	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	119	11	©	©	ADP
easat-2975	119	12	2024	2024	NUM
easat-2975	119	13	by	by	ADP
easat-2975	119	14	the	the	DET
easat-2975	119	15	authors	author	NOUN
easat-2975	119	16	;	;	PUNCT
easat-2975	119	17	licensee	licensee	PROPN
easat-2975	119	18	learning	learning	NOUN
easat-2975	119	19	gate	gate	NOUN
easat-2975	119	20	to	to	PART
easat-2975	119	21	sum	sum	VERB
easat-2975	119	22	up	up	ADP
easat-2975	119	23	the	the	DET
easat-2975	119	24	above	above	ADJ
easat-2975	119	25	analysis	analysis	NOUN
easat-2975	119	26	results	result	NOUN
easat-2975	119	27	for	for	ADP
easat-2975	119	28	hypothesis	hypothesis	NOUN
easat-2975	119	29	1	1	NUM
easat-2975	119	30	,	,	PUNCT
easat-2975	119	31	our	our	PRON
easat-2975	119	32	study	study	NOUN
easat-2975	119	33	has	have	AUX
easat-2975	119	34	confirmed	confirm	VERB
easat-2975	119	35	the	the	DET
easat-2975	119	36	role	role	NOUN
easat-2975	119	37	played	play	VERB
easat-2975	119	38	by	by	ADP
easat-2975	119	39	loan	loan	NOUN
easat-2975	119	40	officers	officer	NOUN
easat-2975	119	41	in	in	ADP
easat-2975	119	42	generating	generate	VERB
easat-2975	119	43	and	and	CCONJ
easat-2975	119	44	accumulating	accumulate	VERB
easat-2975	119	45	soft	soft	ADJ
easat-2975	119	46	information	information	NOUN
easat-2975	119	47	.	.	PUNCT
easat-2975	120	1	the	the	DET
easat-2975	120	2	following	follow	VERB
easat-2975	120	3	analysis	analysis	NOUN
easat-2975	120	4	task	task	NOUN
easat-2975	120	5	tests	test	NOUN
easat-2975	120	6	hypothesis	hypothesis	NOUN
easat-2975	120	7	2	2	NUM
easat-2975	120	8	as	as	ADP
easat-2975	120	9	to	to	ADP
easat-2975	120	10	the	the	DET
easat-2975	120	11	significance	significance	NOUN
easat-2975	120	12	of	of	ADP
easat-2975	120	13	soft	soft	ADJ
easat-2975	120	14	information	information	NOUN
easat-2975	120	15	.	.	PUNCT
easat-2975	121	1	that	that	PRON
easat-2975	121	2	is	be	AUX
easat-2975	121	3	,	,	PUNCT
easat-2975	121	4	if	if	SCONJ
easat-2975	121	5	soft	soft	ADJ
easat-2975	121	6	information	information	NOUN
easat-2975	121	7	is	be	AUX
easat-2975	121	8	collected	collect	VERB
easat-2975	121	9	,	,	PUNCT
easat-2975	121	10	it	it	PRON
easat-2975	121	11	is	be	AUX
easat-2975	121	12	necessary	necessary	ADJ
easat-2975	121	13	to	to	PART
easat-2975	121	14	demonstrate	demonstrate	VERB
easat-2975	121	15	that	that	SCONJ
easat-2975	121	16	it	it	PRON
easat-2975	121	17	positively	positively	ADV
easat-2975	121	18	impacts	impact	VERB
easat-2975	121	19	obtaining	obtain	VERB
easat-2975	121	20	funding	funding	NOUN
easat-2975	121	21	.	.	PUNCT
easat-2975	122	1	here	here	ADV
easat-2975	122	2	,	,	PUNCT
easat-2975	122	3	the	the	DET
easat-2975	122	4	dependent	dependent	ADJ
easat-2975	122	5	variable	variable	NOUN
easat-2975	122	6	representing	represent	VERB
easat-2975	122	7	the	the	DET
easat-2975	122	8	benefit	benefit	NOUN
easat-2975	122	9	of	of	ADP
easat-2975	122	10	the	the	DET
easat-2975	122	11	relationship	relationship	NOUN
easat-2975	122	12	is	be	AUX
easat-2975	122	13	the	the	DET
easat-2975	122	14	question	question	NOUN
easat-2975	122	15	item	item	NOUN
easat-2975	122	16	indicating	indicate	VERB
easat-2975	122	17	the	the	DET
easat-2975	122	18	level	level	NOUN
easat-2975	122	19	of	of	ADP
easat-2975	122	20	difficulty	difficulty	NOUN
easat-2975	122	21	the	the	DET
easat-2975	122	22	company	company	NOUN
easat-2975	122	23	encounters	encounter	VERB
easat-2975	122	24	while	while	SCONJ
easat-2975	122	25	being	be	AUX
easat-2975	122	26	evaluated	evaluate	VERB
easat-2975	122	27	for	for	ADP
easat-2975	122	28	a	a	DET
easat-2975	122	29	loan	loan	NOUN
easat-2975	122	30	.	.	PUNCT
easat-2975	123	1	in	in	ADP
easat-2975	123	2	particular	particular	ADJ
easat-2975	123	3	,	,	PUNCT
easat-2975	123	4	this	this	DET
easat-2975	123	5	question	question	NOUN
easat-2975	123	6	concerns	concern	VERB
easat-2975	123	7	the	the	DET
easat-2975	123	8	current	current	ADJ
easat-2975	123	9	screening	screening	NOUN
easat-2975	123	10	process	process	NOUN
easat-2975	123	11	when	when	SCONJ
easat-2975	123	12	they	they	PRON
easat-2975	123	13	want	want	VERB
easat-2975	123	14	a	a	DET
easat-2975	123	15	loan	loan	NOUN
easat-2975	123	16	.	.	PUNCT
easat-2975	124	1	we	we	PRON
easat-2975	124	2	provided	provide	VERB
easat-2975	124	3	answer	answer	NOUN
easat-2975	124	4	options	option	NOUN
easat-2975	124	5	,	,	PUNCT
easat-2975	124	6	including	include	VERB
easat-2975	124	7	(	(	PUNCT
easat-2975	124	8	1	1	NUM
easat-2975	124	9	)	)	PUNCT
easat-2975	124	10	very	very	ADV
easat-2975	124	11	strict	strict	ADJ
easat-2975	124	12	,	,	PUNCT
easat-2975	124	13	(	(	PUNCT
easat-2975	124	14	2	2	X
easat-2975	124	15	)	)	PUNCT
easat-2975	124	16	slightly	slightly	ADV
easat-2975	124	17	strict	strict	ADJ
easat-2975	124	18	,	,	PUNCT
easat-2975	124	19	(	(	PUNCT
easat-2975	124	20	3	3	X
easat-2975	124	21	)	)	PUNCT
easat-2975	124	22	relatively	relatively	ADV
easat-2975	124	23	easy	easy	ADJ
easat-2975	124	24	,	,	PUNCT
easat-2975	124	25	and	and	CCONJ
easat-2975	124	26	(	(	PUNCT
easat-2975	124	27	4	4	X
easat-2975	124	28	)	)	PUNCT
easat-2975	124	29	do	do	AUX
easat-2975	124	30	n’t	not	PART
easat-2975	124	31	know	know	VERB
easat-2975	124	32	(	(	PUNCT
easat-2975	124	33	however	however	ADV
easat-2975	124	34	,	,	PUNCT
easat-2975	124	35	given	give	VERB
easat-2975	124	36	that	that	SCONJ
easat-2975	124	37	there	there	PRON
easat-2975	124	38	were	be	VERB
easat-2975	124	39	only	only	ADV
easat-2975	124	40	several	several	ADJ
easat-2975	124	41	companies	company	NOUN
easat-2975	124	42	that	that	PRON
easat-2975	124	43	said	say	VERB
easat-2975	124	44	“	"	PUNCT
easat-2975	124	45	do	do	AUX
easat-2975	124	46	n’t	not	PART
easat-2975	124	47	know	know	VERB
easat-2975	124	48	,	,	PUNCT
easat-2975	124	49	”	"	PUNCT
easat-2975	124	50	(	(	PUNCT
easat-2975	124	51	4	4	X
easat-2975	124	52	)	)	PUNCT
easat-2975	124	53	was	be	AUX
easat-2975	124	54	excluded	exclude	VERB
easat-2975	124	55	)	)	PUNCT
easat-2975	124	56	.	.	PUNCT
easat-2975	125	1	notably	notably	ADV
easat-2975	125	2	,	,	PUNCT
easat-2975	125	3	among	among	ADP
easat-2975	125	4	the	the	DET
easat-2975	125	5	valid	valid	ADJ
easat-2975	125	6	sample	sample	NOUN
easat-2975	125	7	of	of	ADP
easat-2975	125	8	134	134	NUM
easat-2975	125	9	companies	company	NOUN
easat-2975	125	10	,	,	PUNCT
easat-2975	125	11	35.8	35.8	NUM
easat-2975	125	12	%	%	NOUN
easat-2975	125	13	(	(	PUNCT
easat-2975	125	14	48	48	NUM
easat-2975	125	15	companies	company	NOUN
easat-2975	125	16	)	)	PUNCT
easat-2975	125	17	chose	choose	VERB
easat-2975	125	18	(	(	PUNCT
easat-2975	125	19	1	1	NUM
easat-2975	125	20	)	)	PUNCT
easat-2975	125	21	,	,	PUNCT
easat-2975	125	22	whereas	whereas	SCONJ
easat-2975	125	23	52.2	52.2	NUM
easat-2975	125	24	%	%	NOUN
easat-2975	125	25	(	(	PUNCT
easat-2975	125	26	70	70	NUM
easat-2975	125	27	companies	company	NOUN
easat-2975	125	28	)	)	PUNCT
easat-2975	125	29	and	and	CCONJ
easat-2975	125	30	11.9	11.9	NUM
easat-2975	125	31	%	%	NOUN
easat-2975	125	32	(	(	PUNCT
easat-2975	125	33	16	16	NUM
easat-2975	125	34	companies	company	NOUN
easat-2975	125	35	)	)	PUNCT
easat-2975	125	36	chose	choose	VERB
easat-2975	125	37	(	(	PUNCT
easat-2975	125	38	2	2	NUM
easat-2975	125	39	)	)	PUNCT
easat-2975	125	40	and	and	CCONJ
easat-2975	125	41	(	(	PUNCT
easat-2975	125	42	3	3	NUM
easat-2975	125	43	)	)	PUNCT
easat-2975	125	44	,	,	PUNCT
easat-2975	125	45	respectively	respectively	ADV
easat-2975	125	46	.	.	PUNCT
easat-2975	126	1	suppose	suppose	VERB
easat-2975	126	2	soft	soft	ADJ
easat-2975	126	3	information	information	NOUN
easat-2975	126	4	had	have	VERB
easat-2975	126	5	a	a	DET
easat-2975	126	6	positive	positive	ADJ
easat-2975	126	7	impact	impact	NOUN
easat-2975	126	8	on	on	ADP
easat-2975	126	9	relationship	relationship	NOUN
easat-2975	126	10	lending	lending	NOUN
easat-2975	126	11	.	.	PUNCT
easat-2975	127	1	in	in	ADP
easat-2975	127	2	that	that	DET
easat-2975	127	3	case	case	NOUN
easat-2975	127	4	,	,	PUNCT
easat-2975	127	5	companies	company	NOUN
easat-2975	127	6	should	should	AUX
easat-2975	127	7	choose	choose	VERB
easat-2975	127	8	(	(	PUNCT
easat-2975	127	9	3	3	NUM
easat-2975	127	10	)	)	PUNCT
easat-2975	127	11	,	,	PUNCT
easat-2975	127	12	or	or	CCONJ
easat-2975	127	13	at	at	ADP
easat-2975	127	14	least	least	ADJ
easat-2975	127	15	(	(	PUNCT
easat-2975	127	16	2	2	NUM
easat-2975	127	17	)	)	PUNCT
easat-2975	127	18	,	,	PUNCT
easat-2975	127	19	in	in	ADP
easat-2975	127	20	terms	term	NOUN
easat-2975	127	21	of	of	ADP
easat-2975	127	22	the	the	DET
easat-2975	127	23	level	level	NOUN
easat-2975	127	24	of	of	ADP
easat-2975	127	25	difficulty	difficulty	NOUN
easat-2975	127	26	they	they	PRON
easat-2975	127	27	encounter	encounter	VERB
easat-2975	127	28	at	at	ADP
easat-2975	127	29	the	the	DET
easat-2975	127	30	time	time	NOUN
easat-2975	127	31	of	of	ADP
easat-2975	127	32	loan	loan	NOUN
easat-2975	127	33	screening	screening	NOUN
easat-2975	127	34	.	.	PUNCT
easat-2975	128	1	given	give	VERB
easat-2975	128	2	that	that	SCONJ
easat-2975	128	3	the	the	DET
easat-2975	128	4	choices	choice	NOUN
easat-2975	128	5	for	for	ADP
easat-2975	128	6	this	this	DET
easat-2975	128	7	question	question	NOUN
easat-2975	128	8	are	be	AUX
easat-2975	128	9	related	relate	VERB
easat-2975	128	10	to	to	ADP
easat-2975	128	11	preference	preference	NOUN
easat-2975	128	12	,	,	PUNCT
easat-2975	128	13	we	we	PRON
easat-2975	128	14	will	will	AUX
easat-2975	128	15	measure	measure	VERB
easat-2975	128	16	the	the	DET
easat-2975	128	17	determinants	determinant	NOUN
easat-2975	128	18	of	of	ADP
easat-2975	128	19	the	the	DET
easat-2975	128	20	benefit	benefit	NOUN
easat-2975	128	21	in	in	ADP
easat-2975	128	22	procuring	procure	VERB
easat-2975	128	23	funding	funding	NOUN
easat-2975	128	24	in	in	ADP
easat-2975	128	25	hypothesis	hypothesis	NOUN
easat-2975	128	26	2	2	NUM
easat-2975	128	27	by	by	ADP
easat-2975	128	28	using	use	VERB
easat-2975	128	29	an	an	DET
easat-2975	128	30	ordinal	ordinal	ADJ
easat-2975	128	31	choice	choice	NOUN
easat-2975	128	32	model	model	NOUN
easat-2975	128	33	.	.	PUNCT
easat-2975	129	1	in	in	ADP
easat-2975	129	2	doing	do	VERB
easat-2975	129	3	so	so	ADV
easat-2975	129	4	,	,	PUNCT
easat-2975	129	5	we	we	PRON
easat-2975	129	6	will	will	AUX
easat-2975	129	7	also	also	ADV
easat-2975	129	8	add	add	VERB
easat-2975	129	9	ordinal	ordinal	ADJ
easat-2975	129	10	probit	probit	NOUN
easat-2975	129	11	analysis	analysis	NOUN
easat-2975	129	12	,	,	PUNCT
easat-2975	129	13	which	which	PRON
easat-2975	129	14	has	have	VERB
easat-2975	129	15	almost	almost	ADV
easat-2975	129	16	the	the	DET
easat-2975	129	17	same	same	ADJ
easat-2975	129	18	process	process	NOUN
easat-2975	129	19	.	.	PUNCT
easat-2975	130	1	it	it	PRON
easat-2975	130	2	aims	aim	VERB
easat-2975	130	3	to	to	PART
easat-2975	130	4	test	test	VERB
easat-2975	130	5	the	the	DET
easat-2975	130	6	benefit	benefit	NOUN
easat-2975	130	7	of	of	ADP
easat-2975	130	8	relationship	relationship	NOUN
easat-2975	130	9	lending	lending	NOUN
easat-2975	130	10	by	by	ADP
easat-2975	130	11	incorporating	incorporate	VERB
easat-2975	130	12	the	the	DET
easat-2975	130	13	amount	amount	NOUN
easat-2975	130	14	of	of	ADP
easat-2975	130	15	soft	soft	ADJ
easat-2975	130	16	information	information	NOUN
easat-2975	130	17	used	use	VERB
easat-2975	130	18	in	in	ADP
easat-2975	130	19	hypothesis	hypothesis	NOUN
easat-2975	130	20	1	1	NUM
easat-2975	130	21	as	as	ADP
easat-2975	130	22	an	an	DET
easat-2975	130	23	independent	independent	ADJ
easat-2975	130	24	variable.7	variable.7	NOUN
easat-2975	130	25	the	the	DET
easat-2975	130	26	following	follow	VERB
easat-2975	130	27	estimation	estimation	NOUN
easat-2975	130	28	model	model	NOUN
easat-2975	130	29	is	be	AUX
easat-2975	130	30	conceivable	conceivable	ADJ
easat-2975	130	31	:	:	PUNCT
easat-2975	130	32	𝑦∗	𝑦∗	PROPN
easat-2975	130	33	=	=	SYM
easat-2975	130	34	𝛽𝑥	𝛽𝑥	PROPN
easat-2975	130	35	+	+	CCONJ
easat-2975	130	36	𝜖	𝜖	X
easat-2975	130	37	(	(	PUNCT
easat-2975	130	38	𝑦∗	𝑦∗	PROPN
easat-2975	130	39	:	:	PUNCT
easat-2975	130	40	latent	latent	NOUN
easat-2975	130	41	variable	variable	NOUN
easat-2975	130	42	,	,	PUNCT
easat-2975	130	43	𝑥	𝑥	NOUN
easat-2975	130	44	:	:	PUNCT
easat-2975	130	45	independent	independent	ADJ
easat-2975	130	46	variable	variable	NOUN
easat-2975	130	47	,	,	PUNCT
easat-2975	130	48	𝛽	𝛽	NOUN
easat-2975	130	49	:	:	PUNCT
easat-2975	130	50	coefficient	coefficient	NOUN
easat-2975	130	51	vector	vector	NOUN
easat-2975	130	52	,	,	PUNCT
easat-2975	130	53	and	and	CCONJ
easat-2975	130	54	𝜖	𝜖	NOUN
easat-2975	130	55	:	:	PUNCT
easat-2975	130	56	error	error	NOUN
easat-2975	130	57	term	term	NOUN
easat-2975	130	58	)	)	PUNCT
easat-2975	130	59	furthermore	furthermore	ADV
easat-2975	130	60	,	,	PUNCT
easat-2975	130	61	observed	observe	VERB
easat-2975	130	62	independent	independent	ADJ
easat-2975	130	63	variable	variable	ADJ
easat-2975	130	64	𝑦	𝑦	NOUN
easat-2975	130	65	and	and	CCONJ
easat-2975	130	66	latent	latent	ADJ
easat-2975	130	67	variable	variable	ADJ
easat-2975	130	68	𝑦∗	𝑦∗	PROPN
easat-2975	130	69	would	would	AUX
easat-2975	130	70	have	have	VERB
easat-2975	130	71	the	the	DET
easat-2975	130	72	following	follow	VERB
easat-2975	130	73	relationship	relationship	NOUN
easat-2975	130	74	based	base	VERB
easat-2975	130	75	on	on	ADP
easat-2975	130	76	the	the	DET
easat-2975	130	77	mechanism	mechanism	NOUN
easat-2975	130	78	of	of	ADP
easat-2975	130	79	threshold	threshold	NOUN
easat-2975	130	80	𝑘𝑗	𝑘𝑗	NOUN
easat-2975	130	81	:	:	PUNCT
easat-2975	131	1	1	1	X
easat-2975	131	2	.	.	X
easat-2975	131	3	𝑦	𝑦	NOUN
easat-2975	131	4	=	=	SYM
easat-2975	131	5	{	{	PUNCT
easat-2975	131	6	0	0	NUM
easat-2975	131	7	if	if	SCONJ
easat-2975	131	8	𝑦∗	𝑦∗	PROPN
easat-2975	131	9	≤	≤	X
easat-2975	131	10	𝑘1	𝑘1	PROPN
easat-2975	131	11	1	1	NUM
easat-2975	131	12	if	if	SCONJ
easat-2975	131	13	𝑘1	𝑘1	VERB
easat-2975	131	14	<	<	X
easat-2975	131	15	𝑦	𝑦	NOUN
easat-2975	131	16	∗	∗	NOUN
easat-2975	131	17	≤	≤	ADJ
easat-2975	131	18	𝑘2	𝑘2	PROPN
easat-2975	131	19	・	・	PUNCT
easat-2975	131	20	・	・	PUNCT
easat-2975	131	21	・	・	PUNCT
easat-2975	131	22	j	j	PROPN
easat-2975	132	1	if	if	SCONJ
easat-2975	132	2	𝑘𝑗−1	𝑘𝑗−1	PROPN
easat-2975	132	3	<	<	X
easat-2975	132	4	𝑦	𝑦	PRON
easat-2975	132	5	∗	∗	VERB
easat-2975	132	6	the	the	DET
easat-2975	132	7	threshold	threshold	NOUN
easat-2975	132	8	and	and	CCONJ
easat-2975	132	9	the	the	DET
easat-2975	132	10	coefficient	coefficient	NOUN
easat-2975	132	11	vector	vector	NOUN
easat-2975	132	12	that	that	PRON
easat-2975	132	13	satisfy	satisfy	VERB
easat-2975	132	14	the	the	DET
easat-2975	132	15	above	above	ADJ
easat-2975	132	16	relationship	relationship	NOUN
easat-2975	132	17	are	be	AUX
easat-2975	132	18	determined	determine	VERB
easat-2975	132	19	by	by	ADP
easat-2975	132	20	least	least	ADJ
easat-2975	132	21	squares	square	NOUN
easat-2975	132	22	estimation	estimation	NOUN
easat-2975	132	23	.	.	PUNCT
easat-2975	133	1	there	there	PRON
easat-2975	133	2	are	be	VERB
easat-2975	133	3	two	two	NUM
easat-2975	133	4	thresholds	threshold	NOUN
easat-2975	133	5	,	,	PUNCT
easat-2975	133	6	𝑘1	𝑘1	PROPN
easat-2975	133	7	and	and	CCONJ
easat-2975	133	8	𝑘2	𝑘2	PROPN
easat-2975	133	9	,	,	PUNCT
easat-2975	133	10	to	to	PART
easat-2975	133	11	be	be	AUX
easat-2975	133	12	determined	determine	VERB
easat-2975	133	13	to	to	PART
easat-2975	133	14	satisfy	satisfy	VERB
easat-2975	133	15	𝐽	𝐽	PROPN
easat-2975	133	16	=	=	NOUN
easat-2975	133	17	3	3	NUM
easat-2975	133	18	in	in	ADP
easat-2975	133	19	this	this	DET
easat-2975	133	20	paper	paper	NOUN
easat-2975	133	21	’s	’s	PART
easat-2975	133	22	case	case	NOUN
easat-2975	133	23	.	.	PUNCT
easat-2975	134	1	if	if	SCONJ
easat-2975	134	2	there	there	PRON
easat-2975	134	3	are	be	VERB
easat-2975	134	4	three	three	NUM
easat-2975	134	5	answer	answer	NOUN
easat-2975	134	6	choices	choice	NOUN
easat-2975	134	7	for	for	ADP
easat-2975	134	8	the	the	DET
easat-2975	134	9	independent	independent	ADJ
easat-2975	134	10	variable	variable	NOUN
easat-2975	134	11	at	at	ADP
easat-2975	134	12	that	that	DET
easat-2975	134	13	time	time	NOUN
easat-2975	134	14	,	,	PUNCT
easat-2975	134	15	the	the	DET
easat-2975	134	16	probability	probability	NOUN
easat-2975	134	17	of	of	ADP
easat-2975	134	18	choosing	choose	VERB
easat-2975	134	19	each	each	DET
easat-2975	134	20	option	option	NOUN
easat-2975	134	21	is	be	AUX
easat-2975	134	22	expressed	express	VERB
easat-2975	134	23	explicitly	explicitly	ADV
easat-2975	134	24	as	as	SCONJ
easat-2975	134	25	follows	follow	VERB
easat-2975	134	26	:	:	PUNCT
easat-2975	135	1	𝑃(𝑦	𝑃(𝑦	X
easat-2975	135	2	=	=	SYM
easat-2975	135	3	0|𝑥	0|𝑥	X
easat-2975	135	4	)	)	PUNCT
easat-2975	136	1	=	=	NOUN
easat-2975	136	2	１/(1	１/(1	NOUN
easat-2975	136	3	+	+	CCONJ
easat-2975	136	4	exp	exp	NOUN
easat-2975	136	5	(	(	PUNCT
easat-2975	136	6	−𝑘1	−𝑘1	PROPN
easat-2975	136	7	+	+	NOUN
easat-2975	136	8	σ𝛽𝑥	σ𝛽𝑥	NUM
easat-2975	136	9	)	)	PUNCT
easat-2975	136	10	)	)	PUNCT
easat-2975	137	1	𝑃(𝑦	𝑃(𝑦	X
easat-2975	137	2	=	=	PUNCT
easat-2975	138	1	1|𝑥	1|𝑥	NUM
easat-2975	138	2	)	)	PUNCT
easat-2975	139	1	=	=	NOUN
easat-2975	139	2	１/(1	１/(1	NOUN
easat-2975	139	3	+	+	NUM
easat-2975	139	4	exp	exp	NOUN
easat-2975	139	5	(	(	PUNCT
easat-2975	139	6	−𝑘2	−𝑘2	NOUN
easat-2975	139	7	+	+	PUNCT
easat-2975	139	8	∑𝛽𝑥))-１/(1	∑𝛽𝑥))-１/(1	PROPN
easat-2975	139	9	+	+	NUM
easat-2975	139	10	exp	exp	NOUN
easat-2975	139	11	(	(	PUNCT
easat-2975	139	12	−𝑘1	−𝑘1	PROPN
easat-2975	139	13	+	+	NUM
easat-2975	139	14	∑𝛽𝑥	∑𝛽𝑥	NUM
easat-2975	139	15	)	)	PUNCT
easat-2975	139	16	)	)	PUNCT
easat-2975	140	1	𝑃(𝑦	𝑃(𝑦	X
easat-2975	140	2	=	=	SYM
easat-2975	140	3	2|𝑥	2|𝑥	PROPN
easat-2975	140	4	)	)	PUNCT
easat-2975	140	5	=	=	NOUN
easat-2975	141	1	1-１/(1	1-１/(1	NUM
easat-2975	141	2	+	+	NUM
easat-2975	141	3	exp	exp	NOUN
easat-2975	141	4	(	(	PUNCT
easat-2975	141	5	−𝑘2	−𝑘2	NOUN
easat-2975	141	6	+	+	CCONJ
easat-2975	141	7	∑𝛽𝑥	∑𝛽𝑥	NUM
easat-2975	141	8	)	)	PUNCT
easat-2975	141	9	)	)	PUNCT
easat-2975	142	1	as	as	ADP
easat-2975	142	2	for	for	ADP
easat-2975	142	3	the	the	DET
easat-2975	142	4	estimation	estimation	NOUN
easat-2975	142	5	for	for	ADP
easat-2975	142	6	the	the	DET
easat-2975	142	7	probit	probit	NOUN
easat-2975	142	8	model	model	NOUN
easat-2975	142	9	,	,	PUNCT
easat-2975	142	10	it	it	PRON
easat-2975	142	11	can	can	AUX
easat-2975	142	12	be	be	AUX
easat-2975	142	13	described	describe	VERB
easat-2975	142	14	as	as	SCONJ
easat-2975	142	15	follows	follow	VERB
easat-2975	142	16	:	:	PUNCT
easat-2975	142	17	if	if	SCONJ
easat-2975	142	18	the	the	DET
easat-2975	142	19	choice	choice	NOUN
easat-2975	142	20	of	of	ADP
easat-2975	142	21	the	the	DET
easat-2975	142	22	economic	economic	ADJ
easat-2975	142	23	agent	agent	NOUN
easat-2975	142	24	𝑦𝑖	𝑦𝑖	PROPN
easat-2975	142	25	∗	∗	NOUN
easat-2975	142	26	is	be	AUX
easat-2975	142	27	expressed	express	VERB
easat-2975	142	28	as	as	ADP
easat-2975	142	29	𝑦∗	𝑦∗	PROPN
easat-2975	142	30	=	=	PROPN
easat-2975	142	31	𝛽𝑥	𝛽𝑥	PROPN
easat-2975	142	32	+	+	CCONJ
easat-2975	142	33	𝜖	𝜖	PROPN
easat-2975	142	34	,	,	PUNCT
easat-2975	142	35	𝑦∗	𝑦∗	PROPN
easat-2975	142	36	would	would	AUX
easat-2975	142	37	be	be	AUX
easat-2975	142	38	observable	observable	ADJ
easat-2975	142	39	or	or	CCONJ
easat-2975	142	40	would	would	AUX
easat-2975	142	41	be	be	AUX
easat-2975	142	42	a	a	DET
easat-2975	142	43	possible	possible	ADJ
easat-2975	142	44	latent	latent	NOUN
easat-2975	142	45	variable	variable	NOUN
easat-2975	142	46	,	,	PUNCT
easat-2975	142	47	and	and	CCONJ
easat-2975	142	48	𝜖	𝜖	PROPN
easat-2975	142	49	would	would	AUX
easat-2975	142	50	be	be	AUX
easat-2975	142	51	the	the	DET
easat-2975	142	52	error	error	NOUN
easat-2975	142	53	term	term	NOUN
easat-2975	142	54	.	.	PUNCT
easat-2975	143	1	given	give	VERB
easat-2975	143	2	that	that	DET
easat-2975	143	3	𝑦∗	𝑦∗	NOUN
easat-2975	143	4	,	,	PUNCT
easat-2975	143	5	in	in	ADP
easat-2975	143	6	the	the	DET
easat-2975	143	7	case	case	NOUN
easat-2975	143	8	of	of	ADP
easat-2975	143	9	the	the	DET
easat-2975	143	10	above	above	ADJ
easat-2975	143	11	equation	equation	NOUN
easat-2975	143	12	,	,	PUNCT
easat-2975	143	13	is	be	AUX
easat-2975	143	14	unobservable	unobservable	ADJ
easat-2975	143	15	,	,	PUNCT
easat-2975	143	16	𝑦	𝑦	NOUN
easat-2975	143	17	is	be	AUX
easat-2975	143	18	defined	define	VERB
easat-2975	143	19	to	to	PART
easat-2975	143	20	meet	meet	VERB
easat-2975	143	21	the	the	DET
easat-2975	143	22	following	following	ADJ
easat-2975	143	23	conditions	condition	NOUN
easat-2975	143	24	:	:	PUNCT
easat-2975	143	25	𝑦＝0	𝑦＝0	NOUN
easat-2975	143	26	𝑖𝑓	𝑖𝑓	ADP
easat-2975	143	27	𝑦∗	𝑦∗	PROPN
easat-2975	143	28	<	<	X
easat-2975	143	29	1	1	NUM
easat-2975	143	30	𝑦＝1	𝑦＝1	PROPN
easat-2975	143	31	𝑖𝑓	𝑖𝑓	NUM
easat-2975	143	32	𝑦∗	𝑦∗	PROPN
easat-2975	143	33	≧	≧	PUNCT
easat-2975	143	34	0	0	NUM
easat-2975	143	35	assuming	assume	VERB
easat-2975	143	36	that	that	SCONJ
easat-2975	143	37	𝜖	𝜖	PROPN
easat-2975	143	38	follows	follow	VERB
easat-2975	143	39	a	a	DET
easat-2975	143	40	standard	standard	ADJ
easat-2975	143	41	normal	normal	ADJ
easat-2975	143	42	distribution	distribution	NOUN
easat-2975	143	43	,	,	PUNCT
easat-2975	143	44	the	the	DET
easat-2975	143	45	parameter	parameter	NOUN
easat-2975	143	46	vector	vector	PROPN
easat-2975	143	47	𝛽	𝛽	PROPN
easat-2975	143	48	is	be	AUX
easat-2975	143	49	estimated	estimate	VERB
easat-2975	143	50	.	.	PUNCT
easat-2975	144	1	7company	7company	NUM
easat-2975	144	2	at	at	ADP
easat-2975	144	3	the	the	DET
easat-2975	144	4	time	time	NOUN
easat-2975	144	5	of	of	ADP
easat-2975	144	6	encountered	encounter	VERB
easat-2975	144	7	by	by	ADP
easat-2975	144	8	a	a	PRON
easat-2975	144	9	we	we	PRON
easat-2975	144	10	also	also	ADV
easat-2975	144	11	used	use	VERB
easat-2975	144	12	a	a	DET
easat-2975	144	13	dummy	dummy	ADJ
easat-2975	144	14	variable	variable	NOUN
easat-2975	144	15	that	that	PRON
easat-2975	144	16	coded	code	VERB
easat-2975	144	17	only	only	ADV
easat-2975	144	18	“	"	PUNCT
easat-2975	144	19	(	(	PUNCT
easat-2975	144	20	1	1	NUM
easat-2975	144	21	)	)	PUNCT
easat-2975	144	22	very	very	ADV
easat-2975	144	23	strict	strict	ADJ
easat-2975	144	24	”	"	PUNCT
easat-2975	144	25	as	as	ADP
easat-2975	144	26	1to	1to	ADJ
easat-2975	144	27	indicate	indicate	VERB
easat-2975	144	28	the	the	DET
easat-2975	144	29	level	level	NOUN
easat-2975	144	30	of	of	ADP
easat-2975	144	31	difficulty	difficulty	NOUN
easat-2975	144	32	obtaining	obtain	VERB
easat-2975	144	33	a	a	DET
easat-2975	144	34	loan	loan	NOUN
easat-2975	144	35	and	and	CCONJ
easat-2975	144	36	then	then	ADV
easat-2975	144	37	performed	perform	VERB
easat-2975	144	38	probit	probit	NOUN
easat-2975	144	39	estimation	estimation	NOUN
easat-2975	144	40	(	(	PUNCT
easat-2975	144	41	marginal	marginal	ADJ
easat-2975	144	42	effects	effect	NOUN
easat-2975	144	43	)	)	PUNCT
easat-2975	144	44	;	;	PUNCT
easat-2975	144	45	however	however	ADV
easat-2975	144	46	,	,	PUNCT
easat-2975	144	47	the	the	DET
easat-2975	144	48	results	result	NOUN
easat-2975	144	49	were	be	AUX
easat-2975	144	50	almost	almost	ADV
easat-2975	144	51	the	the	DET
easat-2975	144	52	same	same	ADJ
easat-2975	144	53	.	.	PUNCT
easat-2975	145	1	4477	4477	NUM
easat-2975	145	2	edelweiss	edelweiss	PROPN
easat-2975	145	3	applied	apply	VERB
easat-2975	145	4	science	science	NOUN
easat-2975	145	5	and	and	CCONJ
easat-2975	145	6	technology	technology	NOUN
easat-2975	145	7	issn	issn	PROPN
easat-2975	145	8	:	:	PUNCT
easat-2975	145	9	2576	2576	NUM
easat-2975	145	10	-	-	SYM
easat-2975	145	11	8484	8484	NUM
easat-2975	145	12	vol	vol	NOUN
easat-2975	145	13	.	.	PROPN
easat-2975	145	14	8	8	NUM
easat-2975	145	15	,	,	PUNCT
easat-2975	145	16	no	no	INTJ
easat-2975	145	17	.	.	NOUN
easat-2975	146	1	6	6	NUM
easat-2975	146	2	:	:	SYM
easat-2975	146	3	4470	4470	NUM
easat-2975	146	4	-	-	SYM
easat-2975	146	5	4478	4478	NUM
easat-2975	146	6	,	,	PUNCT
easat-2975	146	7	2024	2024	NUM
easat-2975	146	8	doi	doi	NOUN
easat-2975	146	9	:	:	PUNCT
easat-2975	146	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	146	11	©	©	ADP
easat-2975	146	12	2024	2024	NUM
easat-2975	146	13	by	by	ADP
easat-2975	146	14	the	the	DET
easat-2975	146	15	authors	author	NOUN
easat-2975	146	16	;	;	PUNCT
easat-2975	146	17	licensee	licensee	PROPN
easat-2975	146	18	learning	learn	VERB
easat-2975	146	19	gate	gate	NOUN
easat-2975	146	20	table	table	NOUN
easat-2975	146	21	5	5	NUM
easat-2975	146	22	.	.	PUNCT
easat-2975	146	23	determinants	determinant	NOUN
easat-2975	146	24	for	for	ADP
easat-2975	146	25	the	the	DET
easat-2975	146	26	level	level	NOUN
easat-2975	146	27	of	of	ADP
easat-2975	146	28	difficulty	difficulty	NOUN
easat-2975	146	29	in	in	ADP
easat-2975	146	30	loan	loan	NOUN
easat-2975	146	31	screening	screening	NOUN
easat-2975	146	32	.	.	PUNCT
easat-2975	147	1	ordinal	ordinal	ADJ
easat-2975	147	2	logit	logit	PROPN
easat-2975	147	3	(	(	PUNCT
easat-2975	147	4	1	1	NUM
easat-2975	147	5	)	)	PUNCT
easat-2975	147	6	ordinal	ordinal	ADJ
easat-2975	147	7	probit	probit	NOUN
easat-2975	147	8	(	(	PUNCT
easat-2975	147	9	2	2	NUM
easat-2975	147	10	)	)	PUNCT
easat-2975	147	11	coefficient	coefficient	NOUN
easat-2975	147	12	z	z	NOUN
easat-2975	147	13	-	-	PUNCT
easat-2975	147	14	value	value	NOUN
easat-2975	147	15	coefficient	coefficient	NOUN
easat-2975	147	16	z	z	NOUN
easat-2975	147	17	-	-	PUNCT
easat-2975	147	18	value	value	NOUN
easat-2975	147	19	soft	soft	ADJ
easat-2975	147	20	information	information	NOUN
easat-2975	147	21	0.433	0.433	NUM
easat-2975	147	22	*	*	PUNCT
easat-2975	147	23	*	*	PUNCT
easat-2975	147	24	*	*	PUNCT
easat-2975	147	25	2.82	2.82	NUM
easat-2975	147	26	0.252	0.252	NUM
easat-2975	147	27	*	*	PUNCT
easat-2975	147	28	*	*	PUNCT
easat-2975	147	29	*	*	PROPN
easat-2975	147	30	2.92	2.92	NUM
easat-2975	147	31	tenure	tenure	NOUN
easat-2975	147	32	as	as	ADP
easat-2975	147	33	ceo	ceo	NOUN
easat-2975	147	34	-0.057	-0.057	PUNCT
easat-2975	147	35	-1.62	-1.62	ADJ
easat-2975	147	36	-0.028	-0.028	PUNCT
easat-2975	147	37	-1.51	-1.51	NOUN
easat-2975	147	38	sales	sale	NOUN
easat-2975	147	39	(	(	PUNCT
easat-2975	147	40	log	log	NOUN
easat-2975	147	41	)	)	PUNCT
easat-2975	147	42	-8.371	-8.371	PUNCT
easat-2975	148	1	*	*	PUNCT
easat-2975	148	2	*	*	PUNCT
easat-2975	148	3	-2.27	-2.27	PUNCT
easat-2975	148	4	-4.781	-4.781	PUNCT
easat-2975	148	5	*	*	PUNCT
easat-2975	148	6	*	*	PUNCT
easat-2975	148	7	-2.32	-2.32	X
easat-2975	148	8	regional	regional	ADJ
easat-2975	148	9	bank	bank	NOUN
easat-2975	148	10	dummy	dummy	NOUN
easat-2975	148	11	-0.002	-0.002	PUNCT
easat-2975	148	12	-0.05	-0.05	NUM
easat-2975	148	13	-0.035	-0.035	X
easat-2975	148	14	-0.15	-0.15	NUM
easat-2975	148	15	years	year	NOUN
easat-2975	148	16	doing	do	VERB
easat-2975	148	17	business	business	NOUN
easat-2975	148	18	with	with	ADP
easat-2975	148	19	the	the	DET
easat-2975	148	20	main	main	ADJ
easat-2975	148	21	bank	bank	NOUN
easat-2975	148	22	0.235	0.235	NUM
easat-2975	148	23	*	*	PUNCT
easat-2975	148	24	*	*	PUNCT
easat-2975	148	25	*	*	PUNCT
easat-2975	148	26	2.72	2.72	NUM
easat-2975	148	27	0.129	0.129	NUM
easat-2975	148	28	*	*	PUNCT
easat-2975	149	1	*	*	PUNCT
easat-2975	149	2	*	*	PUNCT
easat-2975	149	3	2.74	2.74	NUM
easat-2975	149	4	temporal	temporal	ADJ
easat-2975	149	5	distance	distance	NOUN
easat-2975	149	6	0.474	0.474	NUM
easat-2975	149	7	1.09	1.09	NUM
easat-2975	149	8	0.246	0.246	NUM
easat-2975	149	9	0.99	0.99	NUM
easat-2975	149	10	frequency	frequency	NOUN
easat-2975	149	11	of	of	ADP
easat-2975	149	12	financial	financial	ADJ
easat-2975	149	13	statement	statement	NOUN
easat-2975	149	14	submission	submission	NOUN
easat-2975	149	15	0.252	0.252	NUM
easat-2975	149	16	0.56	0.56	NUM
easat-2975	149	17	0.080	0.080	NUM
easat-2975	149	18	0.31	0.31	NUM
easat-2975	149	19	two	two	NUM
easat-2975	149	20	-	-	PUNCT
easat-2975	149	21	year	year	NOUN
easat-2975	149	22	consecutive	consecutive	ADJ
easat-2975	149	23	surplus	surplus	NOUN
easat-2975	149	24	dummy	dummy	NOUN
easat-2975	149	25	-0.001	-0.001	PUNCT
easat-2975	150	1	-0.21	-0.21	PROPN
easat-2975	150	2	-0.004	-0.004	SYM
easat-2975	150	3	-0.21	-0.21	NUM
easat-2975	150	4	cut1	cut1	NOUN
easat-2975	150	5	-5.849	-5.849	PUNCT
easat-2975	150	6	2.489	2.489	NUM
easat-2975	150	7	-3.362	-3.362	NUM
easat-2975	150	8	1.446	1.446	NUM
easat-2975	150	9	cut2	cut2	NOUN
easat-2975	150	10	-2.844	-2.844	PUNCT
easat-2975	150	11	2.434	2.434	NUM
easat-2975	150	12	-1.619	-1.619	NUM
easat-2975	150	13	1.425	1.425	NUM
easat-2975	150	14	sample	sample	NOUN
easat-2975	150	15	size	size	NOUN
easat-2975	150	16	116	116	NUM
easat-2975	150	17	116	116	NUM
easat-2975	150	18	lr	lr	PROPN
easat-2975	150	19	chi2(8	chi2(8	PROPN
easat-2975	150	20	)	)	PUNCT
easat-2975	150	21	28.31	28.31	NUM
easat-2975	150	22	27.97	27.97	NUM
easat-2975	150	23	log	log	NOUN
easat-2975	150	24	-	-	PUNCT
easat-2975	150	25	likelihood	likelihood	NOUN
easat-2975	150	26	-97.110	-97.110	PROPN
easat-2975	150	27	-97.282	-97.282	PUNCT
easat-2975	150	28	pseudo	pseudo	NOUN
easat-2975	150	29	r2	r2	NOUN
easat-2975	150	30	0.127	0.127	NUM
easat-2975	150	31	0.126	0.126	NUM
easat-2975	150	32	note	note	VERB
easat-2975	150	33	:	:	PUNCT
easat-2975	150	34	*	*	PUNCT
easat-2975	150	35	*	*	PUNCT
easat-2975	150	36	*	*	PUNCT
easat-2975	150	37	,	,	PUNCT
easat-2975	150	38	*	*	PUNCT
easat-2975	150	39	*	*	PUNCT
easat-2975	150	40	,	,	PUNCT
easat-2975	150	41	and	and	CCONJ
easat-2975	150	42	*	*	PUNCT
easat-2975	150	43	indicate	indicate	VERB
easat-2975	150	44	that	that	SCONJ
easat-2975	150	45	the	the	DET
easat-2975	150	46	coefficient	coefficient	NOUN
easat-2975	150	47	is	be	AUX
easat-2975	150	48	significant	significant	ADJ
easat-2975	150	49	at	at	ADP
easat-2975	150	50	the	the	DET
easat-2975	150	51	1	1	NUM
easat-2975	150	52	%	%	NOUN
easat-2975	150	53	,	,	PUNCT
easat-2975	150	54	5	5	NUM
easat-2975	150	55	%	%	NOUN
easat-2975	150	56	,	,	PUNCT
easat-2975	150	57	and	and	CCONJ
easat-2975	150	58	10	10	NUM
easat-2975	150	59	%	%	NOUN
easat-2975	150	60	levels	level	NOUN
easat-2975	150	61	,	,	PUNCT
easat-2975	150	62	respectively	respectively	ADV
easat-2975	150	63	.	.	PUNCT
easat-2975	151	1	the	the	DET
easat-2975	151	2	results	result	NOUN
easat-2975	151	3	of	of	ADP
easat-2975	151	4	the	the	DET
easat-2975	151	5	ordinal	ordinal	ADJ
easat-2975	151	6	logit	logit	PROPN
easat-2975	151	7	and	and	CCONJ
easat-2975	151	8	ordinal	ordinal	ADJ
easat-2975	151	9	probit	probit	NOUN
easat-2975	151	10	estimations	estimation	NOUN
easat-2975	151	11	are	be	AUX
easat-2975	151	12	shown	show	VERB
easat-2975	151	13	in	in	ADP
easat-2975	151	14	table	table	NOUN
easat-2975	151	15	5	5	NUM
easat-2975	151	16	.	.	PUNCT
easat-2975	152	1	first	first	ADV
easat-2975	152	2	,	,	PUNCT
easat-2975	152	3	equation	equation	NOUN
easat-2975	152	4	(	(	PUNCT
easat-2975	152	5	1	1	NUM
easat-2975	152	6	)	)	PUNCT
easat-2975	152	7	,	,	PUNCT
easat-2975	152	8	in	in	ADP
easat-2975	152	9	terms	term	NOUN
easat-2975	152	10	of	of	ADP
easat-2975	152	11	the	the	DET
easat-2975	152	12	significance	significance	NOUN
easat-2975	152	13	and	and	CCONJ
easat-2975	152	14	sign	sign	NOUN
easat-2975	152	15	of	of	ADP
easat-2975	152	16	the	the	DET
easat-2975	152	17	parameters	parameter	NOUN
easat-2975	152	18	,	,	PUNCT
easat-2975	152	19	such	such	ADJ
easat-2975	152	20	as	as	ADP
easat-2975	152	21	the	the	DET
easat-2975	152	22	log	log	NOUN
easat-2975	152	23	of	of	ADP
easat-2975	152	24	sales	sale	NOUN
easat-2975	152	25	and	and	CCONJ
easat-2975	152	26	years	year	NOUN
easat-2975	152	27	doing	do	VERB
easat-2975	152	28	business	business	NOUN
easat-2975	152	29	with	with	ADP
easat-2975	152	30	the	the	DET
easat-2975	152	31	main	main	ADJ
easat-2975	152	32	bank	bank	NOUN
easat-2975	152	33	,	,	PUNCT
easat-2975	152	34	are	be	AUX
easat-2975	152	35	significant	significant	ADJ
easat-2975	152	36	and	and	CCONJ
easat-2975	152	37	generally	generally	ADV
easat-2975	152	38	agree	agree	VERB
easat-2975	152	39	with	with	ADP
easat-2975	152	40	the	the	DET
easat-2975	152	41	predictions	prediction	NOUN
easat-2975	152	42	made	make	VERB
easat-2975	152	43	before	before	ADP
easat-2975	152	44	the	the	DET
easat-2975	152	45	estimation	estimation	NOUN
easat-2975	152	46	.	.	PUNCT
easat-2975	153	1	in	in	ADP
easat-2975	153	2	particular	particular	ADJ
easat-2975	153	3	,	,	PUNCT
easat-2975	153	4	the	the	DET
easat-2975	153	5	coefficient	coefficient	NOUN
easat-2975	153	6	of	of	ADP
easat-2975	153	7	soft	soft	ADJ
easat-2975	153	8	information	information	NOUN
easat-2975	153	9	as	as	ADP
easat-2975	153	10	an	an	DET
easat-2975	153	11	independent	independent	ADJ
easat-2975	153	12	variable	variable	NOUN
easat-2975	153	13	was	be	AUX
easat-2975	153	14	positive	positive	ADJ
easat-2975	153	15	and	and	CCONJ
easat-2975	153	16	significant	significant	ADJ
easat-2975	153	17	,	,	PUNCT
easat-2975	153	18	as	as	SCONJ
easat-2975	153	19	we	we	PRON
easat-2975	153	20	expected	expect	VERB
easat-2975	153	21	,	,	PUNCT
easat-2975	153	22	thus	thus	ADV
easat-2975	153	23	suggesting	suggest	VERB
easat-2975	153	24	that	that	SCONJ
easat-2975	153	25	the	the	DET
easat-2975	153	26	more	more	ADV
easat-2975	153	27	soft	soft	ADJ
easat-2975	153	28	information	information	NOUN
easat-2975	153	29	is	be	AUX
easat-2975	153	30	accumulated	accumulate	VERB
easat-2975	153	31	,	,	PUNCT
easat-2975	153	32	the	the	DET
easat-2975	153	33	more	more	ADJ
easat-2975	153	34	benefits	benefit	NOUN
easat-2975	153	35	the	the	DET
easat-2975	153	36	company	company	NOUN
easat-2975	153	37	enjoys	enjoy	VERB
easat-2975	153	38	when	when	SCONJ
easat-2975	153	39	being	be	AUX
easat-2975	153	40	screened	screen	VERB
easat-2975	153	41	for	for	ADP
easat-2975	153	42	a	a	DET
easat-2975	153	43	loan	loan	NOUN
easat-2975	153	44	.	.	PUNCT
easat-2975	154	1	as	as	SCONJ
easat-2975	154	2	the	the	DET
easat-2975	154	3	theory	theory	NOUN
easat-2975	154	4	predicted	predict	VERB
easat-2975	154	5	,	,	PUNCT
easat-2975	154	6	the	the	DET
easat-2975	154	7	number	number	NOUN
easat-2975	154	8	of	of	ADP
easat-2975	154	9	years	year	NOUN
easat-2975	154	10	doing	do	VERB
easat-2975	154	11	business	business	NOUN
easat-2975	154	12	with	with	ADP
easat-2975	154	13	the	the	DET
easat-2975	154	14	main	main	ADJ
easat-2975	154	15	bank	bank	NOUN
easat-2975	154	16	is	be	AUX
easat-2975	154	17	also	also	ADV
easat-2975	154	18	positive	positive	ADJ
easat-2975	154	19	and	and	CCONJ
easat-2975	154	20	significant	significant	ADJ
easat-2975	154	21	.	.	PUNCT
easat-2975	155	1	it	it	PRON
easat-2975	155	2	suggests	suggest	VERB
easat-2975	155	3	that	that	SCONJ
easat-2975	155	4	the	the	DET
easat-2975	155	5	relationship	relationship	NOUN
easat-2975	155	6	becomes	become	VERB
easat-2975	155	7	closer	close	ADJ
easat-2975	155	8	,	,	PUNCT
easat-2975	155	9	resulting	result	VERB
easat-2975	155	10	in	in	ADP
easat-2975	155	11	a	a	DET
easat-2975	155	12	positive	positive	ADJ
easat-2975	155	13	impact	impact	NOUN
easat-2975	155	14	on	on	ADP
easat-2975	155	15	financing	financing	NOUN
easat-2975	155	16	as	as	ADP
easat-2975	155	17	the	the	DET
easat-2975	155	18	number	number	NOUN
easat-2975	155	19	of	of	ADP
easat-2975	155	20	years	year	NOUN
easat-2975	155	21	of	of	ADP
easat-2975	155	22	business	business	NOUN
easat-2975	155	23	with	with	ADP
easat-2975	155	24	the	the	DET
easat-2975	155	25	bank	bank	NOUN
easat-2975	155	26	increases	increase	NOUN
easat-2975	155	27	.	.	PUNCT
easat-2975	156	1	however	however	ADV
easat-2975	156	2	,	,	PUNCT
easat-2975	156	3	the	the	DET
easat-2975	156	4	temporal	temporal	ADJ
easat-2975	156	5	distance	distance	NOUN
easat-2975	156	6	dummy	dummy	ADJ
easat-2975	156	7	variable	variable	NOUN
easat-2975	156	8	,	,	PUNCT
easat-2975	156	9	which	which	PRON
easat-2975	156	10	was	be	AUX
easat-2975	156	11	significant	significant	ADJ
easat-2975	156	12	in	in	ADP
easat-2975	156	13	table	table	NOUN
easat-2975	156	14	5	5	NUM
easat-2975	156	15	,	,	PUNCT
easat-2975	156	16	is	be	AUX
easat-2975	156	17	not	not	PART
easat-2975	156	18	significant	significant	ADJ
easat-2975	156	19	despite	despite	SCONJ
easat-2975	156	20	being	be	AUX
easat-2975	156	21	positive	positive	ADJ
easat-2975	156	22	.	.	PUNCT
easat-2975	157	1	we	we	PRON
easat-2975	157	2	can	can	AUX
easat-2975	157	3	see	see	VERB
easat-2975	157	4	that	that	SCONJ
easat-2975	157	5	the	the	DET
easat-2975	157	6	significant	significant	ADJ
easat-2975	157	7	variables	variable	NOUN
easat-2975	157	8	and	and	CCONJ
easat-2975	157	9	their	their	PRON
easat-2975	157	10	signs	sign	NOUN
easat-2975	157	11	,	,	PUNCT
easat-2975	157	12	as	as	SCONJ
easat-2975	157	13	shown	show	VERB
easat-2975	157	14	in	in	ADP
easat-2975	157	15	the	the	DET
easat-2975	157	16	probit	probit	NOUN
easat-2975	157	17	model	model	NOUN
easat-2975	157	18	results	result	NOUN
easat-2975	157	19	that	that	PRON
easat-2975	157	20	used	use	VERB
easat-2975	157	21	the	the	DET
easat-2975	157	22	same	same	ADJ
easat-2975	157	23	variables	variable	NOUN
easat-2975	157	24	as	as	ADP
easat-2975	157	25	equation	equation	NOUN
easat-2975	157	26	(	(	PUNCT
easat-2975	157	27	1	1	NUM
easat-2975	157	28	)	)	PUNCT
easat-2975	157	29	,	,	PUNCT
easat-2975	157	30	generally	generally	ADV
easat-2975	157	31	agree	agree	VERB
easat-2975	157	32	between	between	ADP
easat-2975	157	33	the	the	DET
easat-2975	157	34	equations.8	equations.8	PROPN
easat-2975	157	35	4	4	NUM
easat-2975	157	36	.	.	PUNCT
easat-2975	157	37	conclusion	conclusion	NOUN
easat-2975	157	38	this	this	DET
easat-2975	157	39	paper	paper	NOUN
easat-2975	157	40	empirically	empirically	ADV
easat-2975	157	41	demonstrates	demonstrate	VERB
easat-2975	157	42	whether	whether	SCONJ
easat-2975	157	43	bank	bank	NOUN
easat-2975	157	44	loan	loan	NOUN
easat-2975	157	45	officers	officer	NOUN
easat-2975	157	46	play	play	VERB
easat-2975	157	47	a	a	DET
easat-2975	157	48	role	role	NOUN
easat-2975	157	49	in	in	ADP
easat-2975	157	50	generating	generate	VERB
easat-2975	157	51	and	and	CCONJ
easat-2975	157	52	accumulating	accumulate	VERB
easat-2975	157	53	soft	soft	ADJ
easat-2975	157	54	information	information	NOUN
easat-2975	157	55	when	when	SCONJ
easat-2975	157	56	they	they	PRON
easat-2975	157	57	perform	perform	VERB
easat-2975	157	58	financial	financial	ADJ
easat-2975	157	59	transactions	transaction	NOUN
easat-2975	157	60	with	with	ADP
easat-2975	157	61	smes	sme	NOUN
easat-2975	157	62	.	.	PUNCT
easat-2975	158	1	we	we	PRON
easat-2975	158	2	used	use	VERB
easat-2975	158	3	our	our	PRON
easat-2975	158	4	survey	survey	NOUN
easat-2975	158	5	data	datum	NOUN
easat-2975	158	6	on	on	ADP
easat-2975	158	7	companies	company	NOUN
easat-2975	158	8	,	,	PUNCT
easat-2975	158	9	set	set	VERB
easat-2975	158	10	two	two	NUM
easat-2975	158	11	analytical	analytical	ADJ
easat-2975	158	12	goals	goal	NOUN
easat-2975	158	13	,	,	PUNCT
easat-2975	158	14	proposed	propose	VERB
easat-2975	158	15	two	two	NUM
easat-2975	158	16	corresponding	corresponding	ADJ
easat-2975	158	17	hypotheses	hypothesis	NOUN
easat-2975	158	18	,	,	PUNCT
easat-2975	158	19	and	and	CCONJ
easat-2975	158	20	tested	test	VERB
easat-2975	158	21	them	they	PRON
easat-2975	158	22	.	.	PUNCT
easat-2975	159	1	the	the	DET
easat-2975	159	2	empirical	empirical	ADJ
easat-2975	159	3	results	result	NOUN
easat-2975	159	4	indicated	indicate	VERB
easat-2975	159	5	that	that	SCONJ
easat-2975	159	6	when	when	SCONJ
easat-2975	159	7	a	a	DET
easat-2975	159	8	dedicated	dedicated	ADJ
easat-2975	159	9	loan	loan	NOUN
easat-2975	159	10	officer	officer	NOUN
easat-2975	159	11	handles	handle	VERB
easat-2975	159	12	the	the	DET
easat-2975	159	13	same	same	ADJ
easat-2975	159	14	borrower	borrower	NOUN
easat-2975	159	15	long	long	ADJ
easat-2975	159	16	-	-	PUNCT
easat-2975	159	17	term	term	NOUN
easat-2975	159	18	,	,	PUNCT
easat-2975	159	19	he	he	PRON
easat-2975	159	20	/	/	SYM
easat-2975	159	21	she	she	PRON
easat-2975	159	22	contributes	contribute	VERB
easat-2975	159	23	somewhat	somewhat	ADV
easat-2975	159	24	to	to	AUX
easat-2975	159	25	generating	generate	VERB
easat-2975	159	26	soft	soft	ADJ
easat-2975	159	27	information	information	NOUN
easat-2975	159	28	.	.	PUNCT
easat-2975	160	1	it	it	PRON
easat-2975	160	2	also	also	ADV
easat-2975	160	3	became	become	VERB
easat-2975	160	4	clear	clear	ADJ
easat-2975	160	5	that	that	SCONJ
easat-2975	160	6	the	the	DET
easat-2975	160	7	soft	soft	ADJ
easat-2975	160	8	information	information	NOUN
easat-2975	160	9	obtained	obtain	VERB
easat-2975	160	10	by	by	ADP
easat-2975	160	11	the	the	DET
easat-2975	160	12	loan	loan	NOUN
easat-2975	160	13	officer	officer	NOUN
easat-2975	160	14	provided	provide	VERB
easat-2975	160	15	benefits	benefit	NOUN
easat-2975	160	16	to	to	ADP
easat-2975	160	17	the	the	DET
easat-2975	160	18	borrowing	borrow	VERB
easat-2975	160	19	company	company	NOUN
easat-2975	160	20	because	because	SCONJ
easat-2975	160	21	such	such	ADJ
easat-2975	160	22	information	information	NOUN
easat-2975	160	23	made	make	VERB
easat-2975	160	24	funds	fund	NOUN
easat-2975	160	25	easier	easy	ADJ
easat-2975	160	26	to	to	PART
easat-2975	160	27	obtain	obtain	VERB
easat-2975	160	28	and	and	CCONJ
easat-2975	160	29	reduced	reduce	VERB
easat-2975	160	30	funding	funding	NOUN
easat-2975	160	31	restrictions	restriction	NOUN
easat-2975	160	32	.	.	PUNCT
easat-2975	161	1	furthermore	furthermore	ADV
easat-2975	161	2	,	,	PUNCT
easat-2975	161	3	the	the	DET
easat-2975	161	4	finding	finding	NOUN
easat-2975	161	5	that	that	SCONJ
easat-2975	161	6	the	the	DET
easat-2975	161	7	strength	strength	NOUN
easat-2975	161	8	of	of	ADP
easat-2975	161	9	the	the	DET
easat-2975	161	10	relationship	relationship	NOUN
easat-2975	161	11	had	have	AUX
easat-2975	161	12	a	a	DET
easat-2975	161	13	positive	positive	ADJ
easat-2975	161	14	effect	effect	NOUN
easat-2975	161	15	on	on	ADP
easat-2975	161	16	accumulating	accumulate	VERB
easat-2975	161	17	soft	soft	ADJ
easat-2975	161	18	information	information	NOUN
easat-2975	161	19	and	and	CCONJ
easat-2975	161	20	the	the	DET
easat-2975	161	21	actual	actual	ADJ
easat-2975	161	22	lending	lending	NOUN
easat-2975	161	23	was	be	AUX
easat-2975	161	24	consistent	consistent	ADJ
easat-2975	161	25	with	with	ADP
easat-2975	161	26	earlier	early	ADJ
easat-2975	161	27	studies	study	NOUN
easat-2975	161	28	by	by	ADP
easat-2975	161	29	hé	hé	PROPN
easat-2975	161	30	(	(	PUNCT
easat-2975	161	31	2010	2010	NUM
easat-2975	161	32	)	)	PUNCT
easat-2975	161	33	and	and	CCONJ
easat-2975	161	34	tang	tang	NOUN
easat-2975	161	35	(	(	PUNCT
easat-2975	161	36	2012	2012	NUM
easat-2975	161	37	)	)	PUNCT
easat-2975	161	38	.	.	PUNCT
easat-2975	162	1	thus	thus	ADV
easat-2975	162	2	,	,	PUNCT
easat-2975	162	3	our	our	PRON
easat-2975	162	4	survey	survey	NOUN
easat-2975	162	5	results	result	NOUN
easat-2975	162	6	demonstrated	demonstrate	VERB
easat-2975	162	7	that	that	SCONJ
easat-2975	162	8	the	the	DET
easat-2975	162	9	role	role	NOUN
easat-2975	162	10	of	of	ADP
easat-2975	162	11	loan	loan	NOUN
easat-2975	162	12	officers	officer	NOUN
easat-2975	162	13	is	be	AUX
easat-2975	162	14	essential	essential	ADJ
easat-2975	162	15	in	in	ADP
easat-2975	162	16	relationship	relationship	NOUN
easat-2975	162	17	lending	lending	NOUN
easat-2975	162	18	in	in	ADP
easat-2975	162	19	china	china	PROPN
easat-2975	162	20	,	,	PUNCT
easat-2975	162	21	mainly	mainly	ADV
easat-2975	162	22	when	when	SCONJ
easat-2975	162	23	a	a	DET
easat-2975	162	24	loan	loan	NOUN
easat-2975	162	25	officer	officer	NOUN
easat-2975	162	26	continuously	continuously	ADV
easat-2975	162	27	handles	handle	VERB
easat-2975	162	28	the	the	DET
easat-2975	162	29	same	same	ADJ
easat-2975	162	30	company	company	NOUN
easat-2975	162	31	on	on	ADP
easat-2975	162	32	a	a	DET
easat-2975	162	33	long	long	ADJ
easat-2975	162	34	-	-	PUNCT
easat-2975	162	35	term	term	NOUN
easat-2975	162	36	basis	basis	NOUN
easat-2975	162	37	(	(	PUNCT
easat-2975	162	38	defined	define	VERB
easat-2975	162	39	as	as	ADP
easat-2975	162	40	no	no	DET
easat-2975	162	41	replacement	replacement	NOUN
easat-2975	162	42	for	for	ADP
easat-2975	162	43	two	two	NUM
easat-2975	162	44	years	year	NOUN
easat-2975	162	45	)	)	PUNCT
easat-2975	162	46	.	.	PUNCT
easat-2975	163	1	conversely	conversely	ADV
easat-2975	163	2	,	,	PUNCT
easat-2975	163	3	the	the	DET
easat-2975	163	4	results	result	NOUN
easat-2975	163	5	suggested	suggest	VERB
easat-2975	163	6	that	that	SCONJ
easat-2975	163	7	the	the	DET
easat-2975	163	8	potential	potential	NOUN
easat-2975	163	9	for	for	SCONJ
easat-2975	163	10	a	a	DET
easat-2975	163	11	company	company	NOUN
easat-2975	163	12	to	to	PART
easat-2975	163	13	obtain	obtain	VERB
easat-2975	163	14	funding	funding	NOUN
easat-2975	163	15	becomes	become	VERB
easat-2975	163	16	worse	bad	ADJ
easat-2975	163	17	when	when	SCONJ
easat-2975	163	18	the	the	DET
easat-2975	163	19	loan	loan	NOUN
easat-2975	163	20	officer	officer	NOUN
easat-2975	163	21	is	be	AUX
easat-2975	163	22	replaced	replace	VERB
easat-2975	163	23	.	.	PUNCT
easat-2975	164	1	it	it	PRON
easat-2975	164	2	is	be	AUX
easat-2975	164	3	also	also	ADV
easat-2975	164	4	consistent	consistent	ADJ
easat-2975	164	5	with	with	ADP
easat-2975	164	6	the	the	DET
easat-2975	164	7	results	result	NOUN
easat-2975	164	8	shown	show	VERB
easat-2975	164	9	by	by	ADP
easat-2975	164	10	scott	scott	PROPN
easat-2975	164	11	(	(	PUNCT
easat-2975	164	12	2006	2006	NUM
easat-2975	164	13	)	)	PUNCT
easat-2975	164	14	.	.	PUNCT
easat-2975	165	1	8“(1	8“(1	X
easat-2975	165	2	)	)	PUNCT
easat-2975	165	3	very	very	ADV
easat-2975	165	4	strict	strict	ADJ
easat-2975	165	5	”	"	PUNCT
easat-2975	165	6	we	we	PRON
easat-2975	165	7	also	also	ADV
easat-2975	165	8	performed	perform	VERB
easat-2975	165	9	probit	probit	NOUN
easat-2975	165	10	estimation	estimation	NOUN
easat-2975	165	11	(	(	PUNCT
easat-2975	165	12	marginal	marginal	ADJ
easat-2975	165	13	effects	effect	NOUN
easat-2975	165	14	)	)	PUNCT
easat-2975	165	15	by	by	ADP
easat-2975	165	16	using	use	VERB
easat-2975	165	17	the	the	DET
easat-2975	165	18	dummy	dummy	ADJ
easat-2975	165	19	variable	variable	NOUN
easat-2975	165	20	that	that	PRON
easat-2975	165	21	assigned	assign	VERB
easat-2975	165	22	the	the	DET
easat-2975	165	23	value	value	NOUN
easat-2975	165	24	of	of	ADP
easat-2975	165	25	1	1	NUM
easat-2975	165	26	to	to	ADP
easat-2975	165	27	the	the	DET
easat-2975	165	28	answer	answer	NOUN
easat-2975	165	29	relative	relative	ADJ
easat-2975	165	30	the	the	DET
easat-2975	165	31	question	question	NOUN
easat-2975	165	32	on	on	ADP
easat-2975	165	33	the	the	DET
easat-2975	165	34	level	level	NOUN
easat-2975	165	35	of	of	ADP
easat-2975	165	36	difficulty	difficulty	NOUN
easat-2975	165	37	in	in	ADP
easat-2975	165	38	obtaining	obtain	VERB
easat-2975	165	39	a	a	DET
easat-2975	165	40	loan	loan	NOUN
easat-2975	165	41	,	,	PUNCT
easat-2975	165	42	which	which	PRON
easat-2975	165	43	is	be	AUX
easat-2975	165	44	the	the	DET
easat-2975	165	45	dependent	dependent	ADJ
easat-2975	165	46	variable	variable	NOUN
easat-2975	165	47	in	in	ADP
easat-2975	165	48	hypothesis	hypothesis	NOUN
easat-2975	165	49	2	2	NUM
easat-2975	165	50	.	.	PUNCT
easat-2975	166	1	the	the	DET
easat-2975	166	2	results	result	NOUN
easat-2975	166	3	also	also	ADV
easat-2975	166	4	indicated	indicate	VERB
easat-2975	166	5	that	that	SCONJ
easat-2975	166	6	the	the	DET
easat-2975	166	7	coefficients	coefficient	NOUN
easat-2975	166	8	representing	represent	VERB
easat-2975	166	9	the	the	DET
easat-2975	166	10	accumulation	accumulation	NOUN
easat-2975	166	11	of	of	ADP
easat-2975	166	12	soft	soft	ADJ
easat-2975	166	13	information	information	NOUN
easat-2975	166	14	and	and	CCONJ
easat-2975	166	15	the	the	DET
easat-2975	166	16	number	number	NOUN
easat-2975	166	17	of	of	ADP
easat-2975	166	18	years	year	NOUN
easat-2975	166	19	doing	do	VERB
easat-2975	166	20	business	business	NOUN
easat-2975	166	21	with	with	ADP
easat-2975	166	22	the	the	DET
easat-2975	166	23	main	main	ADJ
easat-2975	166	24	bank	bank	NOUN
easat-2975	166	25	also	also	ADV
easat-2975	166	26	had	have	VERB
easat-2975	166	27	negative	negative	ADJ
easat-2975	166	28	effects	effect	NOUN
easat-2975	166	29	at	at	ADP
easat-2975	166	30	the	the	DET
easat-2975	166	31	1	1	NUM
easat-2975	166	32	%	%	NOUN
easat-2975	166	33	significance	significance	NOUN
easat-2975	166	34	level	level	NOUN
easat-2975	166	35	.	.	PUNCT
easat-2975	167	1	4478	4478	NUM
easat-2975	167	2	edelweiss	edelweiss	PROPN
easat-2975	167	3	applied	apply	VERB
easat-2975	167	4	science	science	NOUN
easat-2975	167	5	and	and	CCONJ
easat-2975	167	6	technology	technology	NOUN
easat-2975	167	7	issn	issn	PROPN
easat-2975	167	8	:	:	PUNCT
easat-2975	167	9	2576	2576	NUM
easat-2975	167	10	-	-	SYM
easat-2975	167	11	8484	8484	NUM
easat-2975	167	12	vol	vol	NOUN
easat-2975	167	13	.	.	PROPN
easat-2975	167	14	8	8	NUM
easat-2975	167	15	,	,	PUNCT
easat-2975	167	16	no	no	INTJ
easat-2975	167	17	.	.	NOUN
easat-2975	168	1	6	6	NUM
easat-2975	168	2	:	:	SYM
easat-2975	168	3	4470	4470	NUM
easat-2975	168	4	-	-	SYM
easat-2975	168	5	4478	4478	NUM
easat-2975	168	6	,	,	PUNCT
easat-2975	168	7	2024	2024	NUM
easat-2975	168	8	doi	doi	NOUN
easat-2975	168	9	:	:	PUNCT
easat-2975	168	10	10.55214/25768484.v8i6.2975	10.55214/25768484.v8i6.2975	NUM
easat-2975	168	11	©	©	ADP
easat-2975	168	12	2024	2024	NUM
easat-2975	168	13	by	by	ADP
easat-2975	168	14	the	the	DET
easat-2975	168	15	authors	author	NOUN
easat-2975	168	16	;	;	PUNCT
easat-2975	168	17	licensee	licensee	PROPN
easat-2975	168	18	learning	learning	NOUN
easat-2975	168	19	gate	gate	NOUN
easat-2975	168	20	based	base	VERB
easat-2975	168	21	on	on	ADP
easat-2975	168	22	the	the	DET
easat-2975	168	23	analysis	analysis	NOUN
easat-2975	168	24	of	of	ADP
easat-2975	168	25	this	this	DET
easat-2975	168	26	paper	paper	NOUN
easat-2975	168	27	,	,	PUNCT
easat-2975	168	28	the	the	DET
easat-2975	168	29	importance	importance	NOUN
easat-2975	168	30	of	of	ADP
easat-2975	168	31	relationship	relationship	NOUN
easat-2975	168	32	banking	banking	NOUN
easat-2975	168	33	in	in	ADP
easat-2975	168	34	china	china	PROPN
easat-2975	168	35	and	and	CCONJ
easat-2975	168	36	the	the	DET
easat-2975	168	37	role	role	NOUN
easat-2975	168	38	of	of	ADP
easat-2975	168	39	loan	loan	NOUN
easat-2975	168	40	officers	officer	NOUN
easat-2975	168	41	should	should	AUX
easat-2975	168	42	be	be	AUX
easat-2975	168	43	appreciated	appreciate	VERB
easat-2975	168	44	more	more	ADJ
easat-2975	168	45	than	than	SCONJ
easat-2975	168	46	they	they	PRON
easat-2975	168	47	currently	currently	ADV
easat-2975	168	48	are	be	AUX
easat-2975	168	49	.	.	PUNCT
easat-2975	169	1	that	that	PRON
easat-2975	169	2	being	be	AUX
easat-2975	169	3	said	say	VERB
easat-2975	169	4	,	,	PUNCT
easat-2975	169	5	this	this	DET
easat-2975	169	6	paper	paper	NOUN
easat-2975	169	7	has	have	AUX
easat-2975	169	8	not	not	PART
easat-2975	169	9	considered	consider	VERB
easat-2975	169	10	the	the	DET
easat-2975	169	11	following	follow	VERB
easat-2975	169	12	two	two	NUM
easat-2975	169	13	questions	question	NOUN
easat-2975	169	14	.	.	PUNCT
easat-2975	170	1	first	first	ADV
easat-2975	170	2	,	,	PUNCT
easat-2975	170	3	although	although	SCONJ
easat-2975	170	4	the	the	DET
easat-2975	170	5	loan	loan	NOUN
easat-2975	170	6	decision	decision	NOUN
easat-2975	170	7	system	system	NOUN
easat-2975	170	8	to	to	PART
easat-2975	170	9	which	which	PRON
easat-2975	170	10	loan	loan	NOUN
easat-2975	170	11	officers	officer	NOUN
easat-2975	170	12	belong	belong	VERB
easat-2975	170	13	may	may	AUX
easat-2975	170	14	vary	vary	VERB
easat-2975	170	15	from	from	ADP
easat-2975	170	16	bank	bank	PROPN
easat-2975	170	17	to	to	ADP
easat-2975	170	18	bank	bank	NOUN
easat-2975	170	19	,	,	PUNCT
easat-2975	170	20	the	the	DET
easat-2975	170	21	significance	significance	NOUN
easat-2975	170	22	of	of	ADP
easat-2975	170	23	the	the	DET
easat-2975	170	24	dummy	dummy	ADJ
easat-2975	170	25	variable	variable	NOUN
easat-2975	170	26	that	that	PRON
easat-2975	170	27	distinguished	distinguish	VERB
easat-2975	170	28	stateowned	stateowne	VERB
easat-2975	170	29	banks	bank	NOUN
easat-2975	170	30	and	and	CCONJ
easat-2975	170	31	regional	regional	ADJ
easat-2975	170	32	commercial	commercial	ADJ
easat-2975	170	33	banks	bank	NOUN
easat-2975	170	34	from	from	ADP
easat-2975	170	35	local	local	ADJ
easat-2975	170	36	financial	financial	ADJ
easat-2975	170	37	institutions	institution	NOUN
easat-2975	170	38	(	(	PUNCT
easat-2975	170	39	city	city	NOUN
easat-2975	170	40	commercial	commercial	ADJ
easat-2975	170	41	banks	bank	NOUN
easat-2975	170	42	,	,	PUNCT
easat-2975	170	43	village	village	NOUN
easat-2975	170	44	and	and	CCONJ
easat-2975	170	45	township	township	NOUN
easat-2975	170	46	banks	bank	NOUN
easat-2975	170	47	,	,	PUNCT
easat-2975	170	48	trust	trust	NOUN
easat-2975	170	49	and	and	CCONJ
easat-2975	170	50	investment	investment	NOUN
easat-2975	170	51	corporations	corporation	NOUN
easat-2975	170	52	,	,	PUNCT
easat-2975	170	53	etc	etc	X
easat-2975	170	54	.	.	X
easat-2975	170	55	)	)	PUNCT
easat-2975	170	56	was	be	AUX
easat-2975	170	57	not	not	PART
easat-2975	170	58	tested	test	VERB
easat-2975	170	59	in	in	ADP
easat-2975	170	60	this	this	DET
easat-2975	170	61	paper	paper	NOUN
easat-2975	170	62	.	.	PUNCT
easat-2975	171	1	secondly	secondly	ADV
easat-2975	171	2	,	,	PUNCT
easat-2975	171	3	unlike	unlike	ADP
easat-2975	171	4	deng	deng	PROPN
easat-2975	171	5	and	and	CCONJ
easat-2975	171	6	hé	hé	PROPN
easat-2975	171	7	(	(	PUNCT
easat-2975	171	8	2014	2014	NUM
easat-2975	171	9	)	)	PUNCT
easat-2975	171	10	,	,	PUNCT
easat-2975	171	11	who	who	PRON
easat-2975	171	12	have	have	AUX
easat-2975	171	13	dealt	deal	VERB
easat-2975	171	14	with	with	ADP
easat-2975	171	15	the	the	DET
easat-2975	171	16	personality	personality	NOUN
easat-2975	171	17	and	and	CCONJ
easat-2975	171	18	gender	gender	NOUN
easat-2975	171	19	dimension	dimension	NOUN
easat-2975	171	20	of	of	ADP
easat-2975	171	21	loan	loan	NOUN
easat-2975	171	22	officers	officer	NOUN
easat-2975	171	23	in	in	ADP
easat-2975	171	24	their	their	PRON
easat-2975	171	25	studies	study	NOUN
easat-2975	171	26	,	,	PUNCT
easat-2975	171	27	this	this	DET
easat-2975	171	28	paper	paper	NOUN
easat-2975	171	29	has	have	AUX
easat-2975	171	30	left	leave	VERB
easat-2975	171	31	out	out	ADP
easat-2975	171	32	the	the	DET
easat-2975	171	33	gender	gender	NOUN
easat-2975	171	34	and	and	CCONJ
easat-2975	171	35	personality	personality	NOUN
easat-2975	171	36	in	in	ADP
easat-2975	171	37	the	the	DET
easat-2975	171	38	loan	loan	NOUN
easat-2975	171	39	decision	decision	NOUN
easat-2975	171	40	-	-	PUNCT
easat-2975	171	41	making	make	VERB
easat-2975	171	42	process	process	NOUN
easat-2975	171	43	.	.	PUNCT
easat-2975	172	1	it	it	PRON
easat-2975	172	2	is	be	AUX
easat-2975	172	3	essential	essential	ADJ
easat-2975	172	4	to	to	PART
easat-2975	172	5	increase	increase	VERB
easat-2975	172	6	the	the	DET
easat-2975	172	7	sample	sample	NOUN
easat-2975	172	8	size	size	NOUN
easat-2975	172	9	of	of	ADP
easat-2975	172	10	banking	banking	NOUN
easat-2975	172	11	organizations	organization	NOUN
easat-2975	172	12	and	and	CCONJ
easat-2975	172	13	conduct	conduct	VERB
easat-2975	172	14	analyses	analysis	NOUN
easat-2975	172	15	based	base	VERB
easat-2975	172	16	on	on	ADP
easat-2975	172	17	more	more	ADV
easat-2975	172	18	detailed	detailed	ADJ
easat-2975	172	19	classifications	classification	NOUN
easat-2975	172	20	.	.	PUNCT
easat-2975	173	1	in	in	ADP
easat-2975	173	2	addition	addition	NOUN
easat-2975	173	3	,	,	PUNCT
easat-2975	173	4	if	if	SCONJ
easat-2975	173	5	loan	loan	NOUN
easat-2975	173	6	officers	officer	NOUN
easat-2975	173	7	generate	generate	VERB
easat-2975	173	8	soft	soft	ADJ
easat-2975	173	9	information	information	NOUN
easat-2975	173	10	,	,	PUNCT
easat-2975	173	11	which	which	PRON
easat-2975	173	12	has	have	VERB
easat-2975	173	13	a	a	DET
easat-2975	173	14	positive	positive	ADJ
easat-2975	173	15	lending	lending	NOUN
easat-2975	173	16	effect	effect	NOUN
easat-2975	173	17	on	on	ADP
easat-2975	173	18	the	the	DET
easat-2975	173	19	borrowing	borrowing	NOUN
easat-2975	173	20	company	company	NOUN
easat-2975	173	21	,	,	PUNCT
easat-2975	173	22	as	as	SCONJ
easat-2975	173	23	the	the	DET
easat-2975	173	24	analysis	analysis	NOUN
easat-2975	173	25	results	result	NOUN
easat-2975	173	26	in	in	ADP
easat-2975	173	27	this	this	DET
easat-2975	173	28	paper	paper	NOUN
easat-2975	173	29	suggested	suggest	VERB
easat-2975	173	30	,	,	PUNCT
easat-2975	173	31	it	it	PRON
easat-2975	173	32	is	be	AUX
easat-2975	173	33	probably	probably	ADV
easat-2975	173	34	necessary	necessary	ADJ
easat-2975	173	35	to	to	PART
easat-2975	173	36	clarify	clarify	VERB
easat-2975	173	37	what	what	PRON
easat-2975	173	38	banks	bank	NOUN
easat-2975	173	39	’	'	PUNCT
easat-2975	173	40	actual	actual	ADJ
easat-2975	173	41	lending	lending	NOUN
easat-2975	173	42	technology	technology	NOUN
easat-2975	173	43	is	be	AUX
easat-2975	173	44	based	base	VERB
easat-2975	173	45	on	on	ADP
easat-2975	173	46	.	.	PUNCT
easat-2975	174	1	copyright	copyright	NOUN
easat-2975	174	2	:	:	PUNCT
easat-2975	174	3	©	©	PROPN
easat-2975	174	4	2024	2024	NUM
easat-2975	174	5	by	by	ADP
easat-2975	174	6	the	the	DET
easat-2975	174	7	authors	author	NOUN
easat-2975	174	8	.	.	PUNCT
easat-2975	175	1	this	this	DET
easat-2975	175	2	article	article	NOUN
easat-2975	175	3	is	be	AUX
easat-2975	175	4	an	an	DET
easat-2975	175	5	open	open	ADJ
easat-2975	175	6	access	access	NOUN
easat-2975	175	7	article	article	NOUN
easat-2975	175	8	distributed	distribute	VERB
easat-2975	175	9	under	under	ADP
easat-2975	175	10	the	the	DET
easat-2975	175	11	terms	term	NOUN
easat-2975	175	12	and	and	CCONJ
easat-2975	175	13	conditions	condition	NOUN
easat-2975	175	14	of	of	ADP
easat-2975	175	15	the	the	DET
easat-2975	175	16	creative	creative	ADJ
easat-2975	175	17	commons	common	NOUN
easat-2975	175	18	attribution	attribution	NOUN
easat-2975	175	19	(	(	PUNCT
easat-2975	175	20	cc	cc	NOUN
easat-2975	175	21	by	by	ADP
easat-2975	175	22	)	)	PUNCT
easat-2975	175	23	license	license	NOUN
easat-2975	175	24	(	(	PUNCT
easat-2975	175	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2975	175	26	)	)	PUNCT
easat-2975	175	27	.	.	PUNCT
easat-2975	176	1	references	reference	NOUN
easat-2975	176	2	[	[	X
easat-2975	176	3	1	1	NUM
easat-2975	176	4	]	]	PUNCT
easat-2975	176	5	alessandrini	alessandrini	PROPN
easat-2975	176	6	,	,	PUNCT
easat-2975	176	7	p.	p.	NOUN
easat-2975	176	8	,	,	PUNCT
easat-2975	176	9	presbitero	presbitero	NOUN
easat-2975	176	10	,	,	PUNCT
easat-2975	176	11	a.	a.	PROPN
easat-2975	176	12	f.	f.	PROPN
easat-2975	176	13	,	,	PUNCT
easat-2975	176	14	&	&	CCONJ
easat-2975	176	15	zazzaro	zazzaro	NOUN
easat-2975	176	16	,	,	PUNCT
easat-2975	176	17	a.	a.	NOUN
easat-2975	176	18	(	(	PUNCT
easat-2975	176	19	2009	2009	NUM
easat-2975	176	20	)	)	PUNCT
easat-2975	176	21	.	.	PUNCT
easat-2975	177	1	banks	bank	NOUN
easat-2975	177	2	,	,	PUNCT
easat-2975	177	3	distances	distance	NOUN
easat-2975	177	4	and	and	CCONJ
easat-2975	177	5	firms	firm	NOUN
easat-2975	177	6	’	’	PART
easat-2975	177	7	financing	financing	NOUN
easat-2975	177	8	constraints	constraint	NOUN
easat-2975	177	9	.	.	PUNCT
easat-2975	178	1	review	review	NOUN
easat-2975	178	2	of	of	ADP
easat-2975	178	3	finance	finance	NOUN
easat-2975	178	4	,	,	PUNCT
easat-2975	178	5	13(2	13(2	PROPN
easat-2975	178	6	)	)	PUNCT
easat-2975	178	7	,	,	PUNCT
easat-2975	178	8	261–307	261–307	NUM
easat-2975	178	9	.	.	PUNCT
easat-2975	179	1	[	[	X
easat-2975	179	2	2	2	NUM
easat-2975	179	3	]	]	PUNCT
easat-2975	179	4	beatriz	beatriz	NOUN
easat-2975	179	5	,	,	PUNCT
easat-2975	179	6	m.	m.	NOUN
easat-2975	179	7	,	,	PUNCT
easat-2975	179	8	j.coffinet	j.coffinet	NOUN
easat-2975	179	9	and	and	CCONJ
easat-2975	179	10	t.nicolas,2018	t.nicolas,2018	NOUN
easat-2975	179	11	,	,	PUNCT
easat-2975	179	12	“	"	PUNCT
easat-2975	179	13	relationship	relationship	NOUN
easat-2975	179	14	lending	lending	NOUN
easat-2975	179	15	and	and	CCONJ
easat-2975	179	16	smes	sme	NOUN
easat-2975	179	17	’	'	PUNCT
easat-2975	179	18	funding	funding	NOUN
easat-2975	179	19	costs	cost	NOUN
easat-2975	179	20	over	over	ADP
easat-2975	179	21	the	the	DET
easat-2975	179	22	cycle	cycle	NOUN
easat-2975	179	23	:	:	PUNCT
easat-2975	179	24	why	why	SCONJ
easat-2975	179	25	diversification	diversification	NOUN
easat-2975	179	26	of	of	ADP
easat-2975	179	27	borrowing	borrowing	NOUN
easat-2975	179	28	matters	matter	NOUN
easat-2975	179	29	,	,	PUNCT
easat-2975	179	30	”	"	PUNCT
easat-2975	179	31	journal	journal	NOUN
easat-2975	179	32	of	of	ADP
easat-2975	179	33	banking	banking	NOUN
easat-2975	179	34	&	&	CCONJ
easat-2975	179	35	finance	finance	NOUN
easat-2975	179	36	.	.	PUNCT
easat-2975	180	1	[	[	X
easat-2975	180	2	3	3	NUM
easat-2975	180	3	]	]	X
easat-2975	180	4	beck	beck	NOUN
easat-2975	180	5	,	,	PUNCT
easat-2975	180	6	t.	t.	PROPN
easat-2975	180	7	,	,	PUNCT
easat-2975	180	8	de	de	PROPN
easat-2975	180	9	haas	haas	PROPN
easat-2975	180	10	,	,	PUNCT
easat-2975	180	11	r.	r.	PROPN
easat-2975	180	12	,	,	PUNCT
easat-2975	180	13	degryse	degryse	PROPN
easat-2975	180	14	,	,	PUNCT
easat-2975	180	15	h.	h.	PROPN
easat-2975	180	16	,	,	PUNCT
easat-2975	180	17	&	&	CCONJ
easat-2975	180	18	van	van	PROPN
easat-2975	180	19	horen	horen	PROPN
easat-2975	180	20	,	,	PUNCT
easat-2975	180	21	n.	n.	NOUN
easat-2975	180	22	.	.	PUNCT
easat-2975	181	1	(	(	PUNCT
easat-2975	181	2	2017	2017	NUM
easat-2975	181	3	)	)	PUNCT
easat-2975	181	4	.	.	PUNCT
easat-2975	182	1	when	when	SCONJ
easat-2975	182	2	arm	arm	NOUN
easat-2975	182	3	’s	’s	PART
easat-2975	182	4	length	length	NOUN
easat-2975	182	5	is	be	AUX
easat-2975	182	6	too	too	ADV
easat-2975	182	7	far	far	ADV
easat-2975	182	8	:	:	PUNCT
easat-2975	182	9	relationship	relationship	NOUN
easat-2975	182	10	banking	banking	NOUN
easat-2975	182	11	over	over	ADP
easat-2975	182	12	the	the	DET
easat-2975	182	13	credit	credit	NOUN
easat-2975	182	14	cycle	cycle	NOUN
easat-2975	182	15	.	.	PUNCT
easat-2975	183	1	journal	journal	NOUN
easat-2975	183	2	of	of	ADP
easat-2975	183	3	financial	financial	ADJ
easat-2975	183	4	economics	economic	NOUN
easat-2975	183	5	,	,	PUNCT
easat-2975	183	6	127(1	127(1	NUM
easat-2975	183	7	)	)	PUNCT
easat-2975	183	8	,	,	PUNCT
easat-2975	183	9	174	174	NUM
easat-2975	183	10	-	-	SYM
easat-2975	183	11	196	196	NUM
easat-2975	183	12	.	.	PUNCT
easat-2975	184	1	[	[	X
easat-2975	184	2	4	4	NUM
easat-2975	184	3	]	]	X
easat-2975	184	4	boot	boot	NOUN
easat-2975	184	5	,	,	PUNCT
easat-2975	184	6	a.	a.	PROPN
easat-2975	184	7	w.	w.	PROPN
easat-2975	184	8	(	(	PUNCT
easat-2975	184	9	2000	2000	NUM
easat-2975	184	10	)	)	PUNCT
easat-2975	184	11	.	.	PUNCT
easat-2975	185	1	relationship	relationship	NOUN
easat-2975	185	2	banking	banking	NOUN
easat-2975	185	3	:	:	PUNCT
easat-2975	185	4	what	what	PRON
easat-2975	185	5	do	do	AUX
easat-2975	185	6	we	we	PRON
easat-2975	185	7	know	know	VERB
easat-2975	185	8	?	?	PUNCT
easat-2975	186	1	journal	journal	NOUN
easat-2975	186	2	of	of	ADP
easat-2975	186	3	financial	financial	ADJ
easat-2975	186	4	intermediation	intermediation	NOUN
easat-2975	186	5	,	,	PUNCT
easat-2975	186	6	9(1	9(1	NUM
easat-2975	186	7	)	)	PUNCT
easat-2975	186	8	,	,	PUNCT
easat-2975	186	9	7–25	7–25	NOUN
easat-2975	186	10	.	.	PUNCT
easat-2975	187	1	[	[	X
easat-2975	187	2	5	5	NUM
easat-2975	187	3	]	]	SYM
easat-2975	187	4	boot	boot	NOUN
easat-2975	187	5	,	,	PUNCT
easat-2975	187	6	a.	a.	PROPN
easat-2975	187	7	w.	w.	PROPN
easat-2975	187	8	,	,	PUNCT
easat-2975	187	9	&	&	CCONJ
easat-2975	187	10	thakor	thakor	PROPN
easat-2975	187	11	,	,	PUNCT
easat-2975	187	12	a.	a.	PROPN
easat-2975	187	13	v.	v.	PROPN
easat-2975	187	14	(	(	PUNCT
easat-2975	187	15	2000	2000	NUM
easat-2975	187	16	)	)	PUNCT
easat-2975	187	17	.	.	PUNCT
easat-2975	188	1	can	can	AUX
easat-2975	188	2	relationship	relationship	VERB
easat-2975	188	3	banking	banking	NOUN
easat-2975	188	4	survive	survive	NOUN
easat-2975	188	5	competition	competition	NOUN
easat-2975	188	6	?	?	PUNCT
easat-2975	189	1	the	the	DET
easat-2975	189	2	journal	journal	PROPN
easat-2975	189	3	of	of	ADP
easat-2975	189	4	finance	finance	NOUN
easat-2975	189	5	,	,	PUNCT
easat-2975	189	6	55(2	55(2	NUM
easat-2975	189	7	)	)	PUNCT
easat-2975	189	8	,	,	PUNCT
easat-2975	189	9	679–713	679–713	NUM
easat-2975	189	10	.	.	PUNCT
easat-2975	190	1	[	[	X
easat-2975	190	2	6	6	NUM
easat-2975	190	3	]	]	SYM
easat-2975	190	4	berger	berger	PROPN
easat-2975	190	5	,	,	PUNCT
easat-2975	190	6	a.	a.	PROPN
easat-2975	190	7	n.	n.	PROPN
easat-2975	190	8	,	,	PUNCT
easat-2975	190	9	&	&	CCONJ
easat-2975	190	10	black	black	PROPN
easat-2975	190	11	,	,	PUNCT
easat-2975	190	12	l.	l.	PROPN
easat-2975	190	13	k.	k.	PROPN
easat-2975	190	14	(	(	PUNCT
easat-2975	190	15	2011	2011	NUM
easat-2975	190	16	)	)	PUNCT
easat-2975	190	17	.	.	PUNCT
easat-2975	191	1	bank	bank	NOUN
easat-2975	191	2	size	size	NOUN
easat-2975	191	3	,	,	PUNCT
easat-2975	191	4	lending	lending	NOUN
easat-2975	191	5	technologies	technology	NOUN
easat-2975	191	6	,	,	PUNCT
easat-2975	191	7	and	and	CCONJ
easat-2975	191	8	small	small	ADJ
easat-2975	191	9	business	business	NOUN
easat-2975	191	10	finance	finance	NOUN
easat-2975	191	11	.	.	PUNCT
easat-2975	192	1	journal	journal	NOUN
easat-2975	192	2	of	of	ADP
easat-2975	192	3	banking	banking	NOUN
easat-2975	192	4	&	&	CCONJ
easat-2975	192	5	finance	finance	PROPN
easat-2975	192	6	,	,	PUNCT
easat-2975	192	7	35(3	35(3	NUM
easat-2975	192	8	)	)	PUNCT
easat-2975	192	9	,	,	PUNCT
easat-2975	192	10	724–735	724–735	NUM
easat-2975	192	11	.	.	PUNCT
easat-2975	193	1	[	[	X
easat-2975	193	2	7	7	NUM
easat-2975	193	3	]	]	X
easat-2975	193	4	brick	brick	NOUN
easat-2975	193	5	,	,	PUNCT
easat-2975	193	6	i.	i.	PROPN
easat-2975	193	7	e.	e.	PROPN
easat-2975	193	8	,	,	PUNCT
easat-2975	193	9	&	&	CCONJ
easat-2975	193	10	palia	palia	PROPN
easat-2975	193	11	,	,	PUNCT
easat-2975	193	12	d.	d.	PROPN
easat-2975	193	13	(	(	PUNCT
easat-2975	193	14	2007	2007	NUM
easat-2975	193	15	)	)	PUNCT
easat-2975	193	16	.	.	PUNCT
easat-2975	194	1	evidence	evidence	NOUN
easat-2975	194	2	of	of	ADP
easat-2975	194	3	jointness	jointness	NOUN
easat-2975	194	4	in	in	ADP
easat-2975	194	5	the	the	DET
easat-2975	194	6	terms	term	NOUN
easat-2975	194	7	of	of	ADP
easat-2975	194	8	relationship	relationship	NOUN
easat-2975	194	9	lending	lending	NOUN
easat-2975	194	10	.	.	PUNCT
easat-2975	195	1	journal	journal	PROPN
easat-2975	195	2	of	of	ADP
easat-2975	195	3	financial	financial	ADJ
easat-2975	195	4	intermediation	intermediation	NOUN
easat-2975	195	5	,	,	PUNCT
easat-2975	195	6	16(3	16(3	NOUN
easat-2975	195	7	)	)	PUNCT
easat-2975	195	8	,	,	PUNCT
easat-2975	195	9	452–476	452–476	NUM
easat-2975	195	10	.	.	PUNCT
easat-2975	196	1	[	[	X
easat-2975	196	2	8	8	NUM
easat-2975	196	3	]	]	X
easat-2975	196	4	deng	deng	PROPN
easat-2975	196	5	w.	w.	PROPN
easat-2975	196	6	&	&	CCONJ
easat-2975	196	7	hé	hé	PROPN
easat-2975	196	8	,	,	PUNCT
easat-2975	196	9	j.	j.	PROPN
easat-2975	196	10	(	(	PUNCT
easat-2975	196	11	2014	2014	NUM
easat-2975	196	12	)	)	PUNCT
easat-2975	196	13	.	.	PUNCT
easat-2975	197	1	exploration	exploration	NOUN
easat-2975	197	2	of	of	ADP
easat-2975	197	3	the	the	DET
easat-2975	197	4	difference	difference	NOUN
easat-2975	197	5	in	in	ADP
easat-2975	197	6	loan	loan	NOUN
easat-2975	197	7	officer	officer	NOUN
easat-2975	197	8	’s	’s	PART
easat-2975	197	9	gender	gender	NOUN
easat-2975	197	10	that	that	PRON
easat-2975	197	11	affects	affect	VERB
easat-2975	197	12	a	a	DET
easat-2975	197	13	bank	bank	NOUN
easat-2975	197	14	’s	’s	PART
easat-2975	197	15	lending	lending	NOUN
easat-2975	197	16	decision	decision	NOUN
easat-2975	197	17	)	)	PUNCT
easat-2975	197	18	.	.	PUNCT
easat-2975	198	1	foreign	foreign	ADJ
easat-2975	198	2	economics	economic	NOUN
easat-2975	198	3	&	&	CCONJ
easat-2975	198	4	management	management	PROPN
easat-2975	198	5	,	,	PUNCT
easat-2975	198	6	10,54	10,54	NUM
easat-2975	198	7	-	-	SYM
easat-2975	198	8	60	60	NUM
easat-2975	198	9	(	(	PUNCT
easat-2975	198	10	in	in	ADP
easat-2975	198	11	chinese	chinese	PROPN
easat-2975	198	12	)	)	PUNCT
easat-2975	198	13	.	.	PUNCT
easat-2975	199	1	[	[	X
easat-2975	199	2	9	9	NUM
easat-2975	199	3	]	]	SYM
easat-2975	199	4	jaksic	jaksic	NOUN
easat-2975	199	5	,	,	PUNCT
easat-2975	199	6	m.	m.	NOUN
easat-2975	199	7	,	,	PUNCT
easat-2975	199	8	&	&	CCONJ
easat-2975	199	9	marinc	marinc	PROPN
easat-2975	199	10	,	,	PUNCT
easat-2975	199	11	m.	m.	NOUN
easat-2975	199	12	.	.	PUNCT
easat-2975	200	1	(	(	PUNCT
easat-2975	200	2	2017	2017	NUM
easat-2975	200	3	)	)	PUNCT
easat-2975	200	4	.	.	PUNCT
easat-2975	201	1	relationship	relationship	NOUN
easat-2975	201	2	banking	banking	NOUN
easat-2975	201	3	and	and	CCONJ
easat-2975	201	4	information	information	NOUN
easat-2975	201	5	technology	technology	NOUN
easat-2975	201	6	:	:	PUNCT
easat-2975	201	7	the	the	DET
easat-2975	201	8	role	role	NOUN
easat-2975	201	9	of	of	ADP
easat-2975	201	10	artificial	artificial	ADJ
easat-2975	201	11	intelligence	intelligence	NOUN
easat-2975	201	12	and	and	CCONJ
easat-2975	201	13	fintech	fintech	NOUN
easat-2975	201	14	.	.	PUNCT
easat-2975	202	1	risk	risk	NOUN
easat-2975	202	2	management	management	NOUN
easat-2975	202	3	,	,	PUNCT
easat-2975	202	4	21(1	21(1	NUM
easat-2975	202	5	)	)	PUNCT
easat-2975	202	6	,	,	PUNCT
easat-2975	202	7	1	1	NUM
easat-2975	202	8	-	-	SYM
easat-2975	202	9	18	18	NUM
easat-2975	202	10	.	.	PUNCT
easat-2975	203	1	[	[	X
easat-2975	203	2	10	10	NUM
easat-2975	203	3	]	]	X
easat-2975	203	4	ono	ono	PROPN
easat-2975	203	5	,	,	PUNCT
easat-2975	203	6	a.	a.	PROPN
easat-2975	203	7	,	,	PUNCT
easat-2975	203	8	&	&	CCONJ
easat-2975	203	9	uesugi	uesugi	PROPN
easat-2975	203	10	,	,	PUNCT
easat-2975	203	11	i.	i.	PROPN
easat-2975	203	12	(	(	PUNCT
easat-2975	203	13	2009	2009	NUM
easat-2975	203	14	)	)	PUNCT
easat-2975	203	15	.	.	PUNCT
easat-2975	204	1	role	role	NOUN
easat-2975	204	2	of	of	ADP
easat-2975	204	3	collateral	collateral	NOUN
easat-2975	204	4	and	and	CCONJ
easat-2975	204	5	personal	personal	ADJ
easat-2975	204	6	guarantees	guarantee	NOUN
easat-2975	204	7	in	in	ADP
easat-2975	204	8	relationship	relationship	NOUN
easat-2975	204	9	lending	lending	NOUN
easat-2975	204	10	:	:	PUNCT
easat-2975	204	11	evidence	evidence	NOUN
easat-2975	204	12	from	from	ADP
easat-2975	204	13	japan	japan	PROPN
easat-2975	204	14	’s	’s	PART
easat-2975	204	15	sme	sme	PROPN
easat-2975	204	16	loan	loan	PROPN
easat-2975	204	17	market	market	NOUN
easat-2975	204	18	.	.	PUNCT
easat-2975	205	1	journal	journal	NOUN
easat-2975	205	2	of	of	ADP
easat-2975	205	3	money	money	NOUN
easat-2975	205	4	,	,	PUNCT
easat-2975	205	5	credit	credit	NOUN
easat-2975	205	6	and	and	CCONJ
easat-2975	205	7	banking	banking	NOUN
easat-2975	205	8	,	,	PUNCT
easat-2975	205	9	41(5	41(5	NUM
easat-2975	205	10	)	)	PUNCT
easat-2975	205	11	,	,	PUNCT
easat-2975	205	12	935–960	935–960	NUM
easat-2975	205	13	.	.	PUNCT
easat-2975	206	1	[	[	X
easat-2975	206	2	11	11	NUM
easat-2975	206	3	]	]	X
easat-2975	206	4	petersen	petersen	PROPN
easat-2975	206	5	,	,	PUNCT
easat-2975	206	6	m.	m.	NOUN
easat-2975	206	7	a.	a.	PROPN
easat-2975	206	8	,	,	PUNCT
easat-2975	206	9	&	&	CCONJ
easat-2975	206	10	rajan	rajan	PROPN
easat-2975	206	11	,	,	PUNCT
easat-2975	206	12	r.	r.	PROPN
easat-2975	206	13	g.	g.	PROPN
easat-2975	206	14	(	(	PUNCT
easat-2975	206	15	1994	1994	NUM
easat-2975	206	16	)	)	PUNCT
easat-2975	206	17	.	.	PUNCT
easat-2975	207	1	the	the	DET
easat-2975	207	2	benefits	benefit	NOUN
easat-2975	207	3	of	of	ADP
easat-2975	207	4	lending	lend	VERB
easat-2975	207	5	relationships	relationship	NOUN
easat-2975	207	6	:	:	PUNCT
easat-2975	207	7	evidence	evidence	NOUN
easat-2975	207	8	from	from	ADP
easat-2975	207	9	small	small	ADJ
easat-2975	207	10	business	business	NOUN
easat-2975	207	11	data	datum	NOUN
easat-2975	207	12	.	.	PUNCT
easat-2975	208	1	the	the	DET
easat-2975	208	2	journal	journal	PROPN
easat-2975	208	3	of	of	ADP
easat-2975	208	4	finance	finance	NOUN
easat-2975	208	5	,	,	PUNCT
easat-2975	208	6	49(1	49(1	NOUN
easat-2975	208	7	)	)	PUNCT
easat-2975	208	8	,	,	PUNCT
easat-2975	208	9	1367–1400	1367–1400	NOUN
easat-2975	208	10	.	.	PUNCT
easat-2975	209	1	[	[	X
easat-2975	209	2	12	12	NUM
easat-2975	209	3	]	]	X
easat-2975	209	4	pinto	pinto	NOUN
easat-2975	209	5	,	,	PUNCT
easat-2975	209	6	i.	i.	NOUN
easat-2975	209	7	,	,	PUNCT
easat-2975	209	8	gaio	gaio	PROPN
easat-2975	209	9	,	,	PUNCT
easat-2975	209	10	c.	c.	PROPN
easat-2975	209	11	,	,	PUNCT
easat-2975	209	12	&	&	CCONJ
easat-2975	209	13	gonçalves	gonçalves	PROPN
easat-2975	209	14	,	,	PUNCT
easat-2975	209	15	t.	t.	PROPN
easat-2975	209	16	(	(	PUNCT
easat-2975	209	17	2020	2020	NUM
easat-2975	209	18	)	)	PUNCT
easat-2975	209	19	.	.	PUNCT
easat-2975	210	1	corporate	corporate	ADJ
easat-2975	210	2	governance	governance	NOUN
easat-2975	210	3	,	,	PUNCT
easat-2975	210	4	foreign	foreign	ADJ
easat-2975	210	5	direct	direct	ADJ
easat-2975	210	6	investment	investment	NOUN
easat-2975	210	7	,	,	PUNCT
easat-2975	210	8	and	and	CCONJ
easat-2975	210	9	bank	bank	NOUN
easat-2975	210	10	income	income	NOUN
easat-2975	210	11	smoothing	smooth	VERB
easat-2975	210	12	in	in	ADP
easat-2975	210	13	african	african	ADJ
easat-2975	210	14	countries	country	NOUN
easat-2975	210	15	.	.	PUNCT
easat-2975	211	1	international	international	ADJ
easat-2975	211	2	journal	journal	NOUN
easat-2975	211	3	of	of	ADP
easat-2975	211	4	emerging	emerge	VERB
easat-2975	211	5	markets，15(4	markets，15(4	NOUN
easat-2975	211	6	)	)	PUNCT
easat-2975	211	7	,	,	PUNCT
easat-2975	211	8	670	670	NUM
easat-2975	211	9	-	-	SYM
easat-2975	211	10	690	690	NUM
easat-2975	211	11	.	.	PUNCT
easat-2975	212	1	[	[	X
easat-2975	212	2	13	13	NUM
easat-2975	212	3	]	]	SYM
easat-2975	212	4	scott	scott	PROPN
easat-2975	212	5	,	,	PUNCT
easat-2975	212	6	j.	j.	PROPN
easat-2975	212	7	a.	a.	PROPN
easat-2975	212	8	(	(	PUNCT
easat-2975	212	9	2004	2004	NUM
easat-2975	212	10	)	)	PUNCT
easat-2975	212	11	.	.	PUNCT
easat-2975	213	1	small	small	ADJ
easat-2975	213	2	business	business	NOUN
easat-2975	213	3	and	and	CCONJ
easat-2975	213	4	the	the	DET
easat-2975	213	5	value	value	NOUN
easat-2975	213	6	of	of	ADP
easat-2975	213	7	community	community	NOUN
easat-2975	213	8	financial	financial	ADJ
easat-2975	213	9	institutions	institution	NOUN
easat-2975	213	10	.	.	PUNCT
easat-2975	214	1	journal	journal	PROPN
easat-2975	214	2	of	of	ADP
easat-2975	214	3	financial	financial	ADJ
easat-2975	214	4	services	service	NOUN
easat-2975	214	5	research	research	NOUN
easat-2975	214	6	,	,	PUNCT
easat-2975	214	7	25(2	25(2	NUM
easat-2975	214	8	-	-	SYM
easat-2975	214	9	3	3	NUM
easat-2975	214	10	)	)	PUNCT
easat-2975	214	11	,	,	PUNCT
easat-2975	214	12	207–230	207–230	NUM
easat-2975	214	13	.	.	PUNCT
easat-2975	215	1	[	[	X
easat-2975	215	2	14	14	NUM
easat-2975	215	3	]	]	X
easat-2975	215	4	scott	scott	PROPN
easat-2975	215	5	,	,	PUNCT
easat-2975	215	6	j.	j.	PROPN
easat-2975	215	7	a.	a.	PROPN
easat-2975	215	8	(	(	PUNCT
easat-2975	215	9	2006	2006	NUM
easat-2975	215	10	)	)	PUNCT
easat-2975	215	11	.	.	PUNCT
easat-2975	216	1	loan	loan	NOUN
easat-2975	216	2	officer	officer	NOUN
easat-2975	216	3	turnover	turnover	NOUN
easat-2975	216	4	and	and	CCONJ
easat-2975	216	5	credit	credit	NOUN
easat-2975	216	6	availability	availability	NOUN
easat-2975	216	7	for	for	ADP
easat-2975	216	8	small	small	ADJ
easat-2975	216	9	firms	firm	NOUN
easat-2975	216	10	.	.	PUNCT
easat-2975	217	1	journal	journal	NOUN
easat-2975	217	2	of	of	ADP
easat-2975	217	3	small	small	ADJ
easat-2975	217	4	business	business	NOUN
easat-2975	217	5	management	management	NOUN
easat-2975	217	6	,	,	PUNCT
easat-2975	217	7	44(4	44(4	NOUN
easat-2975	217	8	)	)	PUNCT
easat-2975	217	9	,	,	PUNCT
easat-2975	217	10	544	544	NUM
easat-2975	217	11	-	-	SYM
easat-2975	217	12	562	562	NUM
easat-2975	217	13	.	.	PUNCT
easat-2975	218	1	[	[	X
easat-2975	218	2	15	15	NUM
easat-2975	218	3	]	]	X
easat-2975	218	4	uchida	uchida	PROPN
easat-2975	218	5	,	,	PUNCT
easat-2975	218	6	h.	h.	PROPN
easat-2975	218	7	(	(	PUNCT
easat-2975	218	8	2010	2010	NUM
easat-2975	218	9	)	)	PUNCT
easat-2975	218	10	.	.	PUNCT
easat-2975	219	1	economic	economic	ADJ
easat-2975	219	2	analysis	analysis	NOUN
easat-2975	219	3	of	of	ADP
easat-2975	219	4	financial	financial	ADJ
easat-2975	219	5	functions	function	NOUN
easat-2975	219	6	and	and	CCONJ
easat-2975	219	7	banking	banking	NOUN
easat-2975	219	8	.	.	PUNCT
easat-2975	220	1	nikkei	nikkei	PROPN
easat-2975	220	2	publishing	publishing	PROPN
easat-2975	220	3	(	(	PUNCT
easat-2975	220	4	in	in	ADP
easat-2975	220	5	japanese	japanese	PROPN
easat-2975	220	6	)	)	PUNCT
easat-2975	220	7	.	.	PUNCT
easat-2975	221	1	[	[	X
easat-2975	221	2	16	16	NUM
easat-2975	221	3	]	]	X
easat-2975	221	4	uchida	uchida	PROPN
easat-2975	221	5	,	,	PUNCT
easat-2975	221	6	h.	h.	PROPN
easat-2975	221	7	,	,	PUNCT
easat-2975	221	8	udell	udell	PROPN
easat-2975	221	9	,	,	PUNCT
easat-2975	221	10	g.	g.	PROPN
easat-2975	221	11	f.	f.	PROPN
easat-2975	221	12	,	,	PUNCT
easat-2975	221	13	&	&	CCONJ
easat-2975	221	14	yamori	yamori	PROPN
easat-2975	221	15	,	,	PUNCT
easat-2975	221	16	n.	n.	PROPN
easat-2975	221	17	(	(	PUNCT
easat-2975	221	18	2012	2012	NUM
easat-2975	221	19	)	)	PUNCT
easat-2975	221	20	.	.	PUNCT
easat-2975	222	1	loan	loan	NOUN
easat-2975	222	2	officers	officer	NOUN
easat-2975	222	3	and	and	CCONJ
easat-2975	222	4	relationship	relationship	NOUN
easat-2975	222	5	lending	lending	NOUN
easat-2975	222	6	to	to	ADP
easat-2975	222	7	smes	sme	NOUN
easat-2975	222	8	.	.	PUNCT
easat-2975	223	1	journal	journal	PROPN
easat-2975	223	2	of	of	ADP
easat-2975	223	3	financial	financial	ADJ
easat-2975	223	4	intermediation	intermediation	NOUN
easat-2975	223	5	,	,	PUNCT
easat-2975	223	6	21(1	21(1	NUM
easat-2975	223	7	)	)	PUNCT
easat-2975	223	8	,	,	PUNCT
easat-2975	223	9	97–122	97–122	NUM
easat-2975	223	10	.	.	PUNCT
easat-2975	224	1	[	[	X
easat-2975	224	2	17	17	NUM
easat-2975	224	3	]	]	X
easat-2975	224	4	zhou	zhou	PROPN
easat-2975	224	5	,	,	PUNCT
easat-2975	224	6	h.	h.	PROPN
easat-2975	224	7	&	&	CCONJ
easat-2975	224	8	li	li	PROPN
easat-2975	224	9	,	,	PUNCT
easat-2975	224	10	h.	h.	PROPN
easat-2975	224	11	(	(	PUNCT
easat-2975	224	12	2005	2005	NUM
easat-2975	224	13	)	)	PUNCT
easat-2975	224	14	.	.	PUNCT
easat-2975	225	1	relationship	relationship	NOUN
easat-2975	225	2	lending	lending	NOUN
easat-2975	225	3	with	with	ADP
easat-2975	225	4	small	small	ADJ
easat-2975	225	5	and	and	CCONJ
easat-2975	225	6	medium	medium	ADJ
easat-2975	225	7	-	-	PUNCT
easat-2975	225	8	sized	sized	ADJ
easat-2975	225	9	companies	company	NOUN
easat-2975	225	10	:	:	PUNCT
easat-2975	225	11	exegesis	exegesis	NOUN
easat-2975	225	12	of	of	ADP
easat-2975	225	13	empirical	empirical	ADJ
easat-2975	225	14	studies	study	NOUN
easat-2975	225	15	and	and	CCONJ
easat-2975	225	16	theories	theory	NOUN
easat-2975	225	17	.	.	PUNCT
easat-2975	226	1	nankai	nankai	PROPN
easat-2975	226	2	business	business	PROPN
easat-2975	226	3	review	review	PROPN
easat-2975	226	4	,	,	PUNCT
easat-2975	226	5	3	3	NUM
easat-2975	226	6	,	,	PUNCT
easat-2975	226	7	69–74	69–74	NUM
easat-2975	226	8	(	(	PUNCT
easat-2975	226	9	in	in	ADP
easat-2975	226	10	chinese	chinese	PROPN
easat-2975	226	11	)	)	PUNCT
easat-2975	226	12	.	.	PUNCT
easat-2975	227	1	[	[	X
easat-2975	227	2	18	18	NUM
easat-2975	227	3	]	]	X
easat-2975	227	4	zhao	zhao	X
easat-2975	227	5	,	,	PUNCT
easat-2975	227	6	y.	y.	PROPN
easat-2975	227	7	(	(	PUNCT
easat-2975	227	8	eddie	eddie	PROPN
easat-2975	227	9	)	)	PUNCT
easat-2975	227	10	.	.	PUNCT
easat-2975	228	1	(	(	PUNCT
easat-2975	228	2	2020	2020	NUM
easat-2975	228	3	)	)	PUNCT
easat-2975	228	4	.	.	PUNCT
easat-2975	229	1	does	do	VERB
easat-2975	229	2	credit	credit	NOUN
easat-2975	229	3	type	type	NOUN
easat-2975	229	4	matter	matter	NOUN
easat-2975	229	5	for	for	ADP
easat-2975	229	6	relationship	relationship	NOUN
easat-2975	229	7	lending	lending	NOUN
easat-2975	229	8	?	?	PUNCT
easat-2975	230	1	the	the	DET
easat-2975	230	2	special	special	ADJ
easat-2975	230	3	role	role	NOUN
easat-2975	230	4	of	of	ADP
easat-2975	230	5	bank	bank	NOUN
easat-2975	230	6	credit	credit	NOUN
easat-2975	230	7	lines	line	NOUN
easat-2975	230	8	.	.	PUNCT
easat-2975	231	1	finance	finance	NOUN
easat-2975	231	2	research	research	NOUN
easat-2975	231	3	letters	letter	NOUN
easat-2975	231	4	,	,	PUNCT
easat-2975	231	5	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN