id	sid	tid	token	lemma	pos
eistud-1088	1	1	european	european	ADJ
eistud-1088	1	2	integration	integration	NOUN
eistud-1088	1	3	studies	study	VERB
eistud-1088	1	4	2011.indd	2011.indd	NOUN
eistud-1088	1	5	132	132	NUM
eistud-1088	1	6	issn	issn	PROPN
eistud-1088	1	7	1822–8402	1822–8402	NUM
eistud-1088	1	8	european	european	ADJ
eistud-1088	1	9	integration	integration	NOUN
eistud-1088	1	10	studies	study	NOUN
eistud-1088	1	11	.	.	PUNCT
eistud-1088	2	1	2011	2011	NUM
eistud-1088	2	2	.	.	PUNCT
eistud-1088	3	1	no	no	DET
eistud-1088	3	2	5	5	NUM
eistud-1088	3	3	compliance	compliance	NOUN
eistud-1088	3	4	and	and	CCONJ
eistud-1088	3	5	the	the	DET
eistud-1088	3	6	recovery	recovery	NOUN
eistud-1088	3	7	of	of	ADP
eistud-1088	3	8	financial	financial	ADJ
eistud-1088	3	9	services	service	NOUN
eistud-1088	3	10	of	of	ADP
eistud-1088	3	11	the	the	DET
eistud-1088	3	12	european	european	PROPN
eistud-1088	3	13	union	union	PROPN
eistud-1088	3	14	:	:	PUNCT
eistud-1088	3	15	new	new	ADJ
eistud-1088	3	16	challenges	challenge	NOUN
eistud-1088	3	17	for	for	ADP
eistud-1088	3	18	latvia	latvia	PROPN
eistud-1088	3	19	’s	’s	PART
eistud-1088	3	20	banking	banking	NOUN
eistud-1088	3	21	sector	sector	NOUN
eistud-1088	3	22	arnis	arnis	PROPN
eistud-1088	3	23	lagzdins	lagzdin	VERB
eistud-1088	3	24	*	*	SYM
eistud-1088	3	25	,	,	PUNCT
eistud-1088	3	26	biruta	biruta	ADJ
eistud-1088	3	27	sloka	sloka	NOUN
eistud-1088	3	28	*	*	PUNCT
eistud-1088	3	29	*	*	PUNCT
eistud-1088	3	30	*	*	PUNCT
eistud-1088	3	31	school	school	NOUN
eistud-1088	3	32	of	of	ADP
eistud-1088	3	33	business	business	NOUN
eistud-1088	3	34	and	and	CCONJ
eistud-1088	3	35	finance	finance	NOUN
eistud-1088	3	36	,	,	PUNCT
eistud-1088	3	37	riga	riga	PROPN
eistud-1088	3	38	*	*	PROPN
eistud-1088	3	39	*	*	PROPN
eistud-1088	3	40	university	university	PROPN
eistud-1088	3	41	of	of	ADP
eistud-1088	3	42	latvia	latvia	PROPN
eistud-1088	3	43	,	,	PUNCT
eistud-1088	3	44	riga	riga	ADJ
eistud-1088	3	45	abstract	abstract	ADJ
eistud-1088	3	46	determinants	determinant	NOUN
eistud-1088	3	47	of	of	ADP
eistud-1088	3	48	international	international	ADJ
eistud-1088	3	49	banking	banking	NOUN
eistud-1088	3	50	failures	failure	NOUN
eistud-1088	3	51	have	have	AUX
eistud-1088	3	52	been	be	AUX
eistud-1088	3	53	widely	widely	ADV
eistud-1088	3	54	discussed	discuss	VERB
eistud-1088	3	55	and	and	CCONJ
eistud-1088	3	56	summarized	summarize	VERB
eistud-1088	3	57	.	.	PUNCT
eistud-1088	4	1	a	a	DET
eistud-1088	4	2	combination	combination	NOUN
eistud-1088	4	3	of	of	ADP
eistud-1088	4	4	global	global	ADJ
eistud-1088	4	5	and	and	CCONJ
eistud-1088	4	6	systemic	systemic	ADJ
eistud-1088	4	7	complexity	complexity	NOUN
eistud-1088	4	8	of	of	ADP
eistud-1088	4	9	products	product	NOUN
eistud-1088	4	10	that	that	PRON
eistud-1088	4	11	fails	fail	VERB
eistud-1088	4	12	down	down	ADP
eistud-1088	4	13	on	on	ADP
eistud-1088	4	14	correct	correct	ADJ
eistud-1088	4	15	managing	managing	NOUN
eistud-1088	4	16	of	of	ADP
eistud-1088	4	17	the	the	DET
eistud-1088	4	18	banking	banking	NOUN
eistud-1088	4	19	risk	risk	NOUN
eistud-1088	4	20	systems	system	NOUN
eistud-1088	4	21	;	;	PUNCT
eistud-1088	4	22	consumers	consumer	NOUN
eistud-1088	4	23	who	who	PRON
eistud-1088	4	24	are	be	AUX
eistud-1088	4	25	eager	eager	ADJ
eistud-1088	4	26	for	for	ADP
eistud-1088	4	27	credits	credit	NOUN
eistud-1088	4	28	and	and	CCONJ
eistud-1088	4	29	regulators	regulator	NOUN
eistud-1088	4	30	who	who	PRON
eistud-1088	4	31	are	be	AUX
eistud-1088	4	32	unable	unable	ADJ
eistud-1088	4	33	to	to	PART
eistud-1088	4	34	spot	spot	VERB
eistud-1088	4	35	the	the	DET
eistud-1088	4	36	potential	potential	ADJ
eistud-1088	4	37	global	global	ADJ
eistud-1088	4	38	inter	inter	NOUN
eistud-1088	4	39	-	-	NOUN
eistud-1088	4	40	relationships	relationship	NOUN
eistud-1088	4	41	–	–	PUNCT
eistud-1088	4	42	consequently	consequently	ADV
eistud-1088	4	43	have	have	AUX
eistud-1088	4	44	led	lead	VERB
eistud-1088	4	45	to	to	ADP
eistud-1088	4	46	the	the	DET
eistud-1088	4	47	failures	failure	NOUN
eistud-1088	4	48	.	.	PUNCT
eistud-1088	5	1	as	as	ADP
eistud-1088	5	2	a	a	DET
eistud-1088	5	3	response	response	NOUN
eistud-1088	5	4	to	to	ADP
eistud-1088	5	5	the	the	DET
eistud-1088	5	6	financial	financial	ADJ
eistud-1088	5	7	crisis	crisis	NOUN
eistud-1088	5	8	the	the	DET
eistud-1088	5	9	european	european	PROPN
eistud-1088	5	10	commission	commission	PROPN
eistud-1088	5	11	has	have	AUX
eistud-1088	5	12	been	be	AUX
eistud-1088	5	13	working	work	VERB
eistud-1088	5	14	actively	actively	ADV
eistud-1088	5	15	to	to	PART
eistud-1088	5	16	complete	complete	VERB
eistud-1088	5	17	a	a	DET
eistud-1088	5	18	comprehensive	comprehensive	ADJ
eistud-1088	5	19	financial	financial	ADJ
eistud-1088	5	20	reform	reform	NOUN
eistud-1088	5	21	to	to	PART
eistud-1088	5	22	address	address	VERB
eistud-1088	5	23	poor	poor	ADJ
eistud-1088	5	24	risk	risk	NOUN
eistud-1088	5	25	management	management	NOUN
eistud-1088	5	26	,	,	PUNCT
eistud-1088	5	27	lack	lack	NOUN
eistud-1088	5	28	of	of	ADP
eistud-1088	5	29	responsibility	responsibility	NOUN
eistud-1088	5	30	and	and	CCONJ
eistud-1088	5	31	to	to	PART
eistud-1088	5	32	correct	correct	VERB
eistud-1088	5	33	the	the	DET
eistud-1088	5	34	underlying	underlie	VERB
eistud-1088	5	35	weaknesses	weakness	NOUN
eistud-1088	5	36	in	in	ADP
eistud-1088	5	37	the	the	DET
eistud-1088	5	38	supervisory	supervisory	ADJ
eistud-1088	5	39	and	and	CCONJ
eistud-1088	5	40	regulatory	regulatory	ADJ
eistud-1088	5	41	framework	framework	NOUN
eistud-1088	5	42	.	.	PUNCT
eistud-1088	6	1	the	the	DET
eistud-1088	6	2	regulatory	regulatory	ADJ
eistud-1088	6	3	development	development	NOUN
eistud-1088	6	4	is	be	AUX
eistud-1088	6	5	substantially	substantially	ADV
eistud-1088	6	6	increasing	increase	VERB
eistud-1088	6	7	the	the	DET
eistud-1088	6	8	role	role	NOUN
eistud-1088	6	9	of	of	ADP
eistud-1088	6	10	compliance	compliance	NOUN
eistud-1088	6	11	.	.	PUNCT
eistud-1088	7	1	one	one	NUM
eistud-1088	7	2	of	of	ADP
eistud-1088	7	3	the	the	DET
eistud-1088	7	4	main	main	ADJ
eistud-1088	7	5	supervisory	supervisory	ADJ
eistud-1088	7	6	objectives	objective	NOUN
eistud-1088	7	7	in	in	ADP
eistud-1088	7	8	eu	eu	PROPN
eistud-1088	7	9	countries	country	NOUN
eistud-1088	7	10	is	be	AUX
eistud-1088	7	11	to	to	PART
eistud-1088	7	12	ensure	ensure	VERB
eistud-1088	7	13	compliance	compliance	NOUN
eistud-1088	7	14	with	with	ADP
eistud-1088	7	15	relevant	relevant	ADJ
eistud-1088	7	16	laws	law	NOUN
eistud-1088	7	17	and	and	CCONJ
eistud-1088	7	18	regulations	regulation	NOUN
eistud-1088	7	19	.	.	PUNCT
eistud-1088	8	1	regulations	regulation	NOUN
eistud-1088	8	2	as	as	ADP
eistud-1088	8	3	such	such	ADJ
eistud-1088	8	4	are	be	AUX
eistud-1088	8	5	not	not	PART
eistud-1088	8	6	to	to	PART
eistud-1088	8	7	be	be	AUX
eistud-1088	8	8	blamed	blame	VERB
eistud-1088	8	9	in	in	ADP
eistud-1088	8	10	a	a	DET
eistud-1088	8	11	context	context	NOUN
eistud-1088	8	12	of	of	ADP
eistud-1088	8	13	financial	financial	ADJ
eistud-1088	8	14	crisis	crisis	NOUN
eistud-1088	8	15	,	,	PUNCT
eistud-1088	8	16	moreover	moreover	ADV
eistud-1088	8	17	we	we	PRON
eistud-1088	8	18	have	have	VERB
eistud-1088	8	19	to	to	PART
eistud-1088	8	20	draw	draw	VERB
eistud-1088	8	21	our	our	PRON
eistud-1088	8	22	attention	attention	NOUN
eistud-1088	8	23	to	to	ADP
eistud-1088	8	24	the	the	DET
eistud-1088	8	25	control	control	NOUN
eistud-1088	8	26	mechanism	mechanism	NOUN
eistud-1088	8	27	that	that	PRON
eistud-1088	8	28	is	be	AUX
eistud-1088	8	29	being	be	AUX
eistud-1088	8	30	reformed	reform	VERB
eistud-1088	8	31	and	and	CCONJ
eistud-1088	8	32	overhauled	overhaul	VERB
eistud-1088	8	33	.	.	PUNCT
eistud-1088	9	1	compliance	compliance	NOUN
eistud-1088	9	2	in	in	ADP
eistud-1088	9	3	general	general	ADJ
eistud-1088	9	4	terms	term	NOUN
eistud-1088	9	5	is	be	AUX
eistud-1088	9	6	the	the	DET
eistud-1088	9	7	adherence	adherence	NOUN
eistud-1088	9	8	to	to	ADP
eistud-1088	9	9	the	the	DET
eistud-1088	9	10	existing	exist	VERB
eistud-1088	9	11	rules	rule	NOUN
eistud-1088	9	12	and	and	CCONJ
eistud-1088	9	13	regulations	regulation	NOUN
eistud-1088	9	14	laid	lay	VERB
eistud-1088	9	15	down	down	ADP
eistud-1088	9	16	by	by	ADP
eistud-1088	9	17	those	those	PRON
eistud-1088	9	18	in	in	ADP
eistud-1088	9	19	authority	authority	NOUN
eistud-1088	9	20	.	.	PUNCT
eistud-1088	10	1	currently	currently	ADV
eistud-1088	10	2	there	there	PRON
eistud-1088	10	3	is	be	VERB
eistud-1088	10	4	a	a	DET
eistud-1088	10	5	widespread	widespread	ADJ
eistud-1088	10	6	understanding	understanding	NOUN
eistud-1088	10	7	that	that	SCONJ
eistud-1088	10	8	compliance	compliance	NOUN
eistud-1088	10	9	means	mean	VERB
eistud-1088	10	10	respecting	respect	VERB
eistud-1088	10	11	all	all	DET
eistud-1088	10	12	the	the	DET
eistud-1088	10	13	regulations	regulation	NOUN
eistud-1088	10	14	and	and	CCONJ
eistud-1088	10	15	supervisory	supervisory	ADJ
eistud-1088	10	16	expectations	expectation	NOUN
eistud-1088	10	17	relevant	relevant	ADJ
eistud-1088	10	18	to	to	ADP
eistud-1088	10	19	financial	financial	ADJ
eistud-1088	10	20	institution	institution	NOUN
eistud-1088	10	21	.	.	PUNCT
eistud-1088	11	1	compliance	compliance	NOUN
eistud-1088	11	2	means	mean	VERB
eistud-1088	11	3	not	not	PART
eistud-1088	11	4	only	only	ADV
eistud-1088	11	5	adherence	adherence	NOUN
eistud-1088	11	6	to	to	ADP
eistud-1088	11	7	the	the	DET
eistud-1088	11	8	letter	letter	NOUN
eistud-1088	11	9	of	of	ADP
eistud-1088	11	10	the	the	DET
eistud-1088	11	11	law	law	NOUN
eistud-1088	11	12	but	but	CCONJ
eistud-1088	11	13	moreover	moreover	ADV
eistud-1088	11	14	it	it	PRON
eistud-1088	11	15	is	be	AUX
eistud-1088	11	16	also	also	ADV
eistud-1088	11	17	concerned	concern	VERB
eistud-1088	11	18	with	with	ADP
eistud-1088	11	19	adherence	adherence	NOUN
eistud-1088	11	20	to	to	ADP
eistud-1088	11	21	the	the	DET
eistud-1088	11	22	spirit	spirit	NOUN
eistud-1088	11	23	of	of	ADP
eistud-1088	11	24	the	the	DET
eistud-1088	11	25	law	law	NOUN
eistud-1088	11	26	.	.	PUNCT
eistud-1088	12	1	compliance	compliance	NOUN
eistud-1088	12	2	should	should	AUX
eistud-1088	12	3	be	be	AUX
eistud-1088	12	4	considered	consider	VERB
eistud-1088	12	5	as	as	ADP
eistud-1088	12	6	something	something	PRON
eistud-1088	12	7	more	more	ADV
eistud-1088	12	8	significant	significant	ADJ
eistud-1088	12	9	than	than	ADP
eistud-1088	12	10	just	just	ADV
eistud-1088	12	11	a	a	DET
eistud-1088	12	12	function	function	NOUN
eistud-1088	12	13	of	of	ADP
eistud-1088	12	14	conformity	conformity	NOUN
eistud-1088	12	15	with	with	ADP
eistud-1088	12	16	laws	law	NOUN
eistud-1088	12	17	and	and	CCONJ
eistud-1088	12	18	regulations	regulation	NOUN
eistud-1088	12	19	.	.	PUNCT
eistud-1088	13	1	banks	bank	NOUN
eistud-1088	13	2	must	must	AUX
eistud-1088	13	3	have	have	VERB
eistud-1088	13	4	culture	culture	NOUN
eistud-1088	13	5	of	of	ADP
eistud-1088	13	6	integrity	integrity	NOUN
eistud-1088	13	7	and	and	CCONJ
eistud-1088	13	8	ethical	ethical	ADJ
eistud-1088	13	9	business	business	NOUN
eistud-1088	13	10	conduct	conduct	NOUN
eistud-1088	13	11	.	.	PUNCT
eistud-1088	14	1	this	this	PRON
eistud-1088	14	2	is	be	AUX
eistud-1088	14	3	one	one	NUM
eistud-1088	14	4	of	of	ADP
eistud-1088	14	5	the	the	DET
eistud-1088	14	6	main	main	ADJ
eistud-1088	14	7	reasons	reason	NOUN
eistud-1088	14	8	why	why	SCONJ
eistud-1088	14	9	the	the	DET
eistud-1088	14	10	development	development	NOUN
eistud-1088	14	11	of	of	ADP
eistud-1088	14	12	compliance	compliance	NOUN
eistud-1088	14	13	is	be	AUX
eistud-1088	14	14	a	a	DET
eistud-1088	14	15	joint	joint	ADJ
eistud-1088	14	16	effort	effort	NOUN
eistud-1088	14	17	between	between	ADP
eistud-1088	14	18	the	the	DET
eistud-1088	14	19	financial	financial	ADJ
eistud-1088	14	20	industry	industry	NOUN
eistud-1088	14	21	and	and	CCONJ
eistud-1088	14	22	the	the	DET
eistud-1088	14	23	regulators	regulator	NOUN
eistud-1088	14	24	.	.	PUNCT
eistud-1088	15	1	recognition	recognition	NOUN
eistud-1088	15	2	of	of	ADP
eistud-1088	15	3	the	the	DET
eistud-1088	15	4	broader	broad	ADJ
eistud-1088	15	5	role	role	NOUN
eistud-1088	15	6	of	of	ADP
eistud-1088	15	7	compliance	compliance	NOUN
eistud-1088	15	8	as	as	ADP
eistud-1088	15	9	a	a	DET
eistud-1088	15	10	part	part	NOUN
eistud-1088	15	11	of	of	ADP
eistud-1088	15	12	the	the	DET
eistud-1088	15	13	governance	governance	NOUN
eistud-1088	15	14	framework	framework	NOUN
eistud-1088	15	15	for	for	ADP
eistud-1088	15	16	banks	bank	NOUN
eistud-1088	15	17	is	be	AUX
eistud-1088	15	18	yet	yet	ADV
eistud-1088	15	19	very	very	ADV
eistud-1088	15	20	strong	strong	ADJ
eistud-1088	15	21	and	and	CCONJ
eistud-1088	15	22	confirmed	confirm	VERB
eistud-1088	15	23	by	by	ADP
eistud-1088	15	24	guidelines	guideline	NOUN
eistud-1088	15	25	from	from	ADP
eistud-1088	15	26	basel	basel	PROPN
eistud-1088	15	27	committee	committee	PROPN
eistud-1088	15	28	.	.	PUNCT
eistud-1088	16	1	the	the	DET
eistud-1088	16	2	aim	aim	NOUN
eistud-1088	16	3	of	of	ADP
eistud-1088	16	4	the	the	DET
eistud-1088	16	5	paper	paper	NOUN
eistud-1088	16	6	is	be	AUX
eistud-1088	16	7	to	to	PART
eistud-1088	16	8	highlight	highlight	VERB
eistud-1088	16	9	possible	possible	ADJ
eistud-1088	16	10	impact	impact	NOUN
eistud-1088	16	11	of	of	ADP
eistud-1088	16	12	eu	eu	PROPN
eistud-1088	16	13	financial	financial	ADJ
eistud-1088	16	14	reform	reform	NOUN
eistud-1088	16	15	to	to	ADP
eistud-1088	16	16	the	the	DET
eistud-1088	16	17	compliance	compliance	NOUN
eistud-1088	16	18	and	and	CCONJ
eistud-1088	16	19	theoretical	theoretical	ADJ
eistud-1088	16	20	constitution	constitution	NOUN
eistud-1088	16	21	of	of	ADP
eistud-1088	16	22	sanctions	sanction	NOUN
eistud-1088	16	23	as	as	ADP
eistud-1088	16	24	one	one	NUM
eistud-1088	16	25	of	of	ADP
eistud-1088	16	26	the	the	DET
eistud-1088	16	27	main	main	ADJ
eistud-1088	16	28	drivers	driver	NOUN
eistud-1088	16	29	for	for	ADP
eistud-1088	16	30	development	development	NOUN
eistud-1088	16	31	of	of	ADP
eistud-1088	16	32	compliance	compliance	NOUN
eistud-1088	16	33	management	management	NOUN
eistud-1088	16	34	in	in	ADP
eistud-1088	16	35	latvia	latvia	PROPN
eistud-1088	16	36	’s	’s	PART
eistud-1088	16	37	banking	banking	NOUN
eistud-1088	16	38	sector	sector	NOUN
eistud-1088	16	39	.	.	PUNCT
eistud-1088	17	1	the	the	DET
eistud-1088	17	2	article	article	NOUN
eistud-1088	17	3	shows	show	VERB
eistud-1088	17	4	several	several	ADJ
eistud-1088	17	5	research	research	NOUN
eistud-1088	17	6	results	result	NOUN
eistud-1088	17	7	of	of	ADP
eistud-1088	17	8	the	the	DET
eistud-1088	17	9	surveys	survey	NOUN
eistud-1088	17	10	performed	perform	VERB
eistud-1088	17	11	by	by	ADP
eistud-1088	17	12	the	the	DET
eistud-1088	17	13	eu	eu	PROPN
eistud-1088	17	14	.	.	PUNCT
eistud-1088	18	1	the	the	DET
eistud-1088	18	2	perceived	perceive	VERB
eistud-1088	18	3	threat	threat	NOUN
eistud-1088	18	4	of	of	ADP
eistud-1088	18	5	regulatory	regulatory	ADJ
eistud-1088	18	6	sanctions	sanction	NOUN
eistud-1088	18	7	is	be	AUX
eistud-1088	18	8	one	one	NUM
eistud-1088	18	9	of	of	ADP
eistud-1088	18	10	the	the	DET
eistud-1088	18	11	key	key	ADJ
eistud-1088	18	12	drivers	driver	NOUN
eistud-1088	18	13	for	for	ADP
eistud-1088	18	14	compliance	compliance	NOUN
eistud-1088	18	15	strategy	strategy	NOUN
eistud-1088	18	16	in	in	ADP
eistud-1088	18	17	banks	bank	NOUN
eistud-1088	18	18	.	.	PUNCT
eistud-1088	19	1	the	the	DET
eistud-1088	19	2	eu	eu	PROPN
eistud-1088	19	3	new	new	ADJ
eistud-1088	19	4	financial	financial	ADJ
eistud-1088	19	5	reform	reform	NOUN
eistud-1088	19	6	program	program	NOUN
eistud-1088	19	7	has	have	VERB
eistud-1088	19	8	five	five	NUM
eistud-1088	19	9	key	key	ADJ
eistud-1088	19	10	objectives	objective	NOUN
eistud-1088	19	11	and	and	CCONJ
eistud-1088	19	12	among	among	ADP
eistud-1088	19	13	them	they	PRON
eistud-1088	19	14	it	it	PRON
eistud-1088	19	15	should	should	AUX
eistud-1088	19	16	be	be	AUX
eistud-1088	19	17	stressed	stress	VERB
eistud-1088	19	18	upon	upon	SCONJ
eistud-1088	19	19	–	–	PUNCT
eistud-1088	19	20	the	the	DET
eistud-1088	19	21	more	more	ADV
eistud-1088	19	22	effective	effective	ADJ
eistud-1088	19	23	sanctions	sanction	NOUN
eistud-1088	19	24	against	against	ADP
eistud-1088	19	25	market	market	NOUN
eistud-1088	19	26	wrongdoing	wrongdoing	NOUN
eistud-1088	19	27	.	.	PUNCT
eistud-1088	20	1	the	the	DET
eistud-1088	20	2	levels	level	NOUN
eistud-1088	20	3	of	of	ADP
eistud-1088	20	4	administrative	administrative	ADJ
eistud-1088	20	5	pecuniary	pecuniary	ADJ
eistud-1088	20	6	sanctions	sanction	NOUN
eistud-1088	20	7	(	(	PUNCT
eistud-1088	20	8	fines	fine	NOUN
eistud-1088	20	9	)	)	PUNCT
eistud-1088	20	10	vary	vary	VERB
eistud-1088	20	11	widely	widely	ADV
eistud-1088	20	12	across	across	ADP
eistud-1088	20	13	the	the	DET
eistud-1088	20	14	member	member	NOUN
eistud-1088	20	15	states	state	NOUN
eistud-1088	20	16	and	and	CCONJ
eistud-1088	20	17	seem	seem	VERB
eistud-1088	20	18	to	to	PART
eistud-1088	20	19	be	be	AUX
eistud-1088	20	20	too	too	ADV
eistud-1088	20	21	ineffective	ineffective	ADJ
eistud-1088	20	22	activities	activity	NOUN
eistud-1088	20	23	in	in	ADP
eistud-1088	20	24	some	some	DET
eistud-1088	20	25	countries	country	NOUN
eistud-1088	20	26	.	.	PUNCT
eistud-1088	21	1	latvia	latvia	PROPN
eistud-1088	21	2	and	and	CCONJ
eistud-1088	21	3	other	other	ADJ
eistud-1088	21	4	baltic	baltic	ADJ
eistud-1088	21	5	countries	country	NOUN
eistud-1088	21	6	are	be	AUX
eistud-1088	21	7	ranked	rank	VERB
eistud-1088	21	8	among	among	ADP
eistud-1088	21	9	them	they	PRON
eistud-1088	21	10	.	.	PUNCT
eistud-1088	22	1	analysis	analysis	NOUN
eistud-1088	22	2	of	of	ADP
eistud-1088	22	3	the	the	DET
eistud-1088	22	4	latvian	latvian	ADJ
eistud-1088	22	5	laws	law	NOUN
eistud-1088	22	6	regarding	regard	VERB
eistud-1088	22	7	administrative	administrative	ADJ
eistud-1088	22	8	sanctions	sanction	NOUN
eistud-1088	22	9	has	have	AUX
eistud-1088	22	10	been	be	AUX
eistud-1088	22	11	performed	perform	VERB
eistud-1088	22	12	by	by	ADP
eistud-1088	22	13	the	the	DET
eistud-1088	22	14	author	author	NOUN
eistud-1088	22	15	and	and	CCONJ
eistud-1088	22	16	consequently	consequently	ADV
eistud-1088	22	17	it	it	PRON
eistud-1088	22	18	can	can	AUX
eistud-1088	22	19	be	be	AUX
eistud-1088	22	20	stated	state	VERB
eistud-1088	22	21	that	that	SCONJ
eistud-1088	22	22	fines	fine	NOUN
eistud-1088	22	23	are	be	AUX
eistud-1088	22	24	very	very	ADV
eistud-1088	22	25	small	small	ADJ
eistud-1088	22	26	comparing	comparing	NOUN
eistud-1088	22	27	with	with	ADP
eistud-1088	22	28	nordic	nordic	ADJ
eistud-1088	22	29	and	and	CCONJ
eistud-1088	22	30	other	other	ADJ
eistud-1088	22	31	developed	developed	ADJ
eistud-1088	22	32	countries	country	NOUN
eistud-1088	22	33	.	.	PUNCT
eistud-1088	23	1	the	the	DET
eistud-1088	23	2	author	author	NOUN
eistud-1088	23	3	in	in	ADP
eistud-1088	23	4	his	his	PRON
eistud-1088	23	5	research	research	NOUN
eistud-1088	23	6	concludes	conclude	VERB
eistud-1088	23	7	that	that	SCONJ
eistud-1088	23	8	due	due	ADP
eistud-1088	23	9	to	to	ADP
eistud-1088	23	10	the	the	DET
eistud-1088	23	11	current	current	ADJ
eistud-1088	23	12	relatively	relatively	ADV
eistud-1088	23	13	low	low	ADJ
eistud-1088	23	14	level	level	NOUN
eistud-1088	23	15	of	of	ADP
eistud-1088	23	16	sanctions	sanction	NOUN
eistud-1088	23	17	in	in	ADP
eistud-1088	23	18	latvia	latvia	PROPN
eistud-1088	23	19	and	and	CCONJ
eistud-1088	23	20	the	the	DET
eistud-1088	23	21	commission	commission	NOUN
eistud-1088	23	22	’s	’s	PART
eistud-1088	23	23	activities	activity	NOUN
eistud-1088	23	24	to	to	PART
eistud-1088	23	25	strengthen	strengthen	VERB
eistud-1088	23	26	and	and	CCONJ
eistud-1088	23	27	adequately	adequately	ADV
eistud-1088	23	28	enforce	enforce	VERB
eistud-1088	23	29	the	the	DET
eistud-1088	23	30	member	member	NOUN
eistud-1088	23	31	states	state	NOUN
eistud-1088	23	32	,	,	PUNCT
eistud-1088	23	33	the	the	DET
eistud-1088	23	34	banking	banking	NOUN
eistud-1088	23	35	sector	sector	NOUN
eistud-1088	23	36	of	of	ADP
eistud-1088	23	37	latvia	latvia	PROPN
eistud-1088	23	38	should	should	AUX
eistud-1088	23	39	pay	pay	VERB
eistud-1088	23	40	a	a	DET
eistud-1088	23	41	greater	great	ADJ
eistud-1088	23	42	attention	attention	NOUN
eistud-1088	23	43	in	in	ADP
eistud-1088	23	44	discussing	discuss	VERB
eistud-1088	23	45	the	the	DET
eistud-1088	23	46	issue	issue	NOUN
eistud-1088	23	47	of	of	ADP
eistud-1088	23	48	compliance	compliance	NOUN
eistud-1088	23	49	and	and	CCONJ
eistud-1088	23	50	reviewing	review	VERB
eistud-1088	23	51	the	the	DET
eistud-1088	23	52	current	current	ADJ
eistud-1088	23	53	practices	practice	NOUN
eistud-1088	23	54	.	.	PUNCT
eistud-1088	24	1	besides	besides	SCONJ
eistud-1088	24	2	,	,	PUNCT
eistud-1088	24	3	the	the	DET
eistud-1088	24	4	discussion	discussion	NOUN
eistud-1088	24	5	is	be	AUX
eistud-1088	24	6	needed	need	VERB
eistud-1088	24	7	regarding	regard	VERB
eistud-1088	24	8	education	education	NOUN
eistud-1088	24	9	,	,	PUNCT
eistud-1088	24	10	professional	professional	ADJ
eistud-1088	24	11	examination	examination	NOUN
eistud-1088	24	12	and	and	CCONJ
eistud-1088	24	13	certification	certification	NOUN
eistud-1088	24	14	for	for	ADP
eistud-1088	24	15	the	the	DET
eistud-1088	24	16	compliance	compliance	NOUN
eistud-1088	24	17	specialists	specialist	NOUN
eistud-1088	24	18	in	in	ADP
eistud-1088	24	19	latvia	latvia	PROPN
eistud-1088	24	20	.	.	PUNCT
eistud-1088	25	1	keywords	keyword	NOUN
eistud-1088	25	2	:	:	PUNCT
eistud-1088	25	3	compliance	compliance	NOUN
eistud-1088	25	4	,	,	PUNCT
eistud-1088	25	5	banks	bank	NOUN
eistud-1088	25	6	,	,	PUNCT
eistud-1088	25	7	regulation	regulation	NOUN
eistud-1088	25	8	,	,	PUNCT
eistud-1088	25	9	sanctions	sanction	NOUN
eistud-1088	25	10	,	,	PUNCT
eistud-1088	25	11	latvia	latvia	PROPN
eistud-1088	25	12	.	.	PUNCT
eistud-1088	26	1	introduction	introduction	NOUN
eistud-1088	26	2	the	the	DET
eistud-1088	26	3	paper	paper	NOUN
eistud-1088	26	4	deals	deal	NOUN
eistud-1088	26	5	with	with	ADP
eistud-1088	26	6	european	european	PROPN
eistud-1088	26	7	union	union	PROPN
eistud-1088	26	8	(	(	PUNCT
eistud-1088	26	9	eu	eu	NOUN
eistud-1088	26	10	)	)	PUNCT
eistud-1088	26	11	proposal	proposal	NOUN
eistud-1088	26	12	for	for	ADP
eistud-1088	26	13	financial	financial	ADJ
eistud-1088	26	14	sector	sector	NOUN
eistud-1088	26	15	reform	reform	NOUN
eistud-1088	26	16	and	and	CCONJ
eistud-1088	26	17	sanctions	sanction	NOUN
eistud-1088	26	18	impact	impact	NOUN
eistud-1088	26	19	to	to	ADP
eistud-1088	26	20	the	the	DET
eistud-1088	26	21	compliance	compliance	NOUN
eistud-1088	26	22	in	in	ADP
eistud-1088	26	23	banks	bank	NOUN
eistud-1088	26	24	.	.	PUNCT
eistud-1088	27	1	the	the	DET
eistud-1088	27	2	creation	creation	NOUN
eistud-1088	27	3	of	of	ADP
eistud-1088	27	4	the	the	DET
eistud-1088	27	5	single	single	ADJ
eistud-1088	27	6	market	market	NOUN
eistud-1088	27	7	and	and	CCONJ
eistud-1088	27	8	the	the	DET
eistud-1088	27	9	opening	opening	NOUN
eistud-1088	27	10	of	of	ADP
eistud-1088	27	11	borders	border	NOUN
eistud-1088	27	12	have	have	AUX
eistud-1088	27	13	been	be	AUX
eistud-1088	27	14	two	two	NUM
eistud-1088	27	15	of	of	ADP
eistud-1088	27	16	the	the	DET
eistud-1088	27	17	main	main	ADJ
eistud-1088	27	18	driving	drive	VERB
eistud-1088	27	19	forces	force	NOUN
eistud-1088	27	20	behind	behind	ADP
eistud-1088	27	21	growth	growth	NOUN
eistud-1088	27	22	in	in	ADP
eistud-1088	27	23	europe	europe	PROPN
eistud-1088	27	24	.	.	PUNCT
eistud-1088	28	1	common	common	ADJ
eistud-1088	28	2	market	market	NOUN
eistud-1088	28	3	,	,	PUNCT
eistud-1088	28	4	single	single	ADJ
eistud-1088	28	5	market	market	NOUN
eistud-1088	28	6	or	or	CCONJ
eistud-1088	28	7	internal	internal	ADJ
eistud-1088	28	8	market	market	NOUN
eistud-1088	28	9	:	:	PUNCT
eistud-1088	28	10	the	the	DET
eistud-1088	28	11	changes	change	NOUN
eistud-1088	28	12	to	to	ADP
eistud-1088	28	13	the	the	DET
eistud-1088	28	14	name	name	NOUN
eistud-1088	28	15	over	over	ADP
eistud-1088	28	16	the	the	DET
eistud-1088	28	17	years	year	NOUN
eistud-1088	28	18	illustrate	illustrate	VERB
eistud-1088	28	19	the	the	DET
eistud-1088	28	20	longstanding	longstanding	ADJ
eistud-1088	28	21	policy	policy	NOUN
eistud-1088	28	22	objective	objective	NOUN
eistud-1088	28	23	of	of	ADP
eistud-1088	28	24	the	the	DET
eistud-1088	28	25	union	union	NOUN
eistud-1088	28	26	.	.	PUNCT
eistud-1088	29	1	completing	complete	VERB
eistud-1088	29	2	the	the	DET
eistud-1088	29	3	single	single	ADJ
eistud-1088	29	4	market	market	NOUN
eistud-1088	29	5	in	in	ADP
eistud-1088	29	6	financial	financial	ADJ
eistud-1088	29	7	services	service	NOUN
eistud-1088	29	8	that	that	PRON
eistud-1088	29	9	includes	include	VERB
eistud-1088	29	10	banking	banking	NOUN
eistud-1088	29	11	,	,	PUNCT
eistud-1088	29	12	insurance	insurance	NOUN
eistud-1088	29	13	and	and	CCONJ
eistud-1088	29	14	securities	security	NOUN
eistud-1088	29	15	is	be	AUX
eistud-1088	29	16	recognized	recognize	VERB
eistud-1088	29	17	[	[	X
eistud-1088	29	18	monti	monti	NOUN
eistud-1088	29	19	,	,	PUNCT
eistud-1088	29	20	2010	2010	NUM
eistud-1088	29	21	]	]	PUNCT
eistud-1088	29	22	as	as	ADP
eistud-1088	29	23	one	one	NUM
eistud-1088	29	24	of	of	ADP
eistud-1088	29	25	the	the	DET
eistud-1088	29	26	key	key	ADJ
eistud-1088	29	27	areas	area	NOUN
eistud-1088	29	28	for	for	ADP
eistud-1088	29	29	eu	eu	PROPN
eistud-1088	29	30	’s	’s	PART
eistud-1088	29	31	future	future	ADJ
eistud-1088	29	32	growth	growth	NOUN
eistud-1088	29	33	and	and	CCONJ
eistud-1088	29	34	jobs	job	NOUN
eistud-1088	29	35	.	.	PUNCT
eistud-1088	30	1	the	the	DET
eistud-1088	30	2	banking	banking	NOUN
eistud-1088	30	3	crisis	crisis	NOUN
eistud-1088	30	4	2007	2007	NUM
eistud-1088	30	5	to	to	ADP
eistud-1088	30	6	date	date	NOUN
eistud-1088	30	7	has	have	AUX
eistud-1088	30	8	threaten	threaten	VERB
eistud-1088	30	9	single	single	ADJ
eistud-1088	30	10	market	market	NOUN
eistud-1088	30	11	completion	completion	NOUN
eistud-1088	30	12	and	and	CCONJ
eistud-1088	30	13	create	create	VERB
eistud-1088	30	14	debate	debate	NOUN
eistud-1088	30	15	about	about	ADP
eistud-1088	30	16	how	how	SCONJ
eistud-1088	30	17	to	to	PART
eistud-1088	30	18	safeguard	safeguard	VERB
eistud-1088	30	19	the	the	DET
eistud-1088	30	20	financial	financial	ADJ
eistud-1088	30	21	services	service	NOUN
eistud-1088	30	22	from	from	ADP
eistud-1088	30	23	further	further	ADJ
eistud-1088	30	24	and	and	CCONJ
eistud-1088	30	25	future	future	ADJ
eistud-1088	30	26	failures	failure	NOUN
eistud-1088	30	27	.	.	PUNCT
eistud-1088	31	1	determinants	determinant	NOUN
eistud-1088	31	2	of	of	ADP
eistud-1088	31	3	international	international	ADJ
eistud-1088	31	4	banking	banking	NOUN
eistud-1088	31	5	failures	failure	NOUN
eistud-1088	31	6	have	have	AUX
eistud-1088	31	7	been	be	AUX
eistud-1088	31	8	widely	widely	ADV
eistud-1088	31	9	discussed	discuss	VERB
eistud-1088	31	10	and	and	CCONJ
eistud-1088	31	11	summarized	summarize	VERB
eistud-1088	31	12	by	by	ADP
eistud-1088	31	13	the	the	DET
eistud-1088	31	14	researchers	researcher	NOUN
eistud-1088	32	1	[	[	X
eistud-1088	32	2	o’sullivan	o’sullivan	NOUN
eistud-1088	32	3	,	,	PUNCT
eistud-1088	32	4	2010	2010	NUM
eistud-1088	32	5	]	]	PUNCT
eistud-1088	32	6	,	,	PUNCT
eistud-1088	33	1	[	[	X
eistud-1088	33	2	garcia	garcia	PROPN
eistud-1088	33	3	,	,	PUNCT
eistud-1088	33	4	2009	2009	NUM
eistud-1088	33	5	]	]	PUNCT
eistud-1088	33	6	,	,	PUNCT
eistud-1088	33	7	[	[	X
eistud-1088	33	8	clarkson	clarkson	PROPN
eistud-1088	33	9	,	,	PUNCT
eistud-1088	33	10	2009	2009	NUM
eistud-1088	33	11	]	]	PUNCT
eistud-1088	33	12	.	.	PUNCT
eistud-1088	34	1	a	a	DET
eistud-1088	34	2	combination	combination	NOUN
eistud-1088	34	3	of	of	ADP
eistud-1088	34	4	global	global	ADJ
eistud-1088	34	5	and	and	CCONJ
eistud-1088	34	6	systemic	systemic	ADJ
eistud-1088	34	7	complexity	complexity	NOUN
eistud-1088	34	8	of	of	ADP
eistud-1088	34	9	products	product	NOUN
eistud-1088	34	10	,	,	PUNCT
eistud-1088	34	11	which	which	DET
eistud-1088	34	12	banking	bank	VERB
eistud-1088	34	13	risk	risk	NOUN
eistud-1088	34	14	systems	system	NOUN
eistud-1088	34	15	does	do	AUX
eistud-1088	34	16	n’t	not	PART
eistud-1088	34	17	correctly	correctly	ADV
eistud-1088	34	18	manage	manage	VERB
eistud-1088	34	19	;	;	PUNCT
eistud-1088	34	20	consumers	consumer	NOUN
eistud-1088	34	21	are	be	AUX
eistud-1088	34	22	eager	eager	ADJ
eistud-1088	34	23	for	for	ADP
eistud-1088	34	24	credit	credit	NOUN
eistud-1088	34	25	and	and	CCONJ
eistud-1088	34	26	regulators	regulator	NOUN
eistud-1088	34	27	also	also	ADV
eistud-1088	34	28	are	be	AUX
eistud-1088	34	29	unable	unable	ADJ
eistud-1088	34	30	to	to	PART
eistud-1088	34	31	spot	spot	VERB
eistud-1088	34	32	the	the	DET
eistud-1088	34	33	potential	potential	ADJ
eistud-1088	34	34	global	global	ADJ
eistud-1088	34	35	inter	inter	NOUN
eistud-1088	34	36	-	-	NOUN
eistud-1088	34	37	relationships	relationship	NOUN
eistud-1088	34	38	–	–	PUNCT
eistud-1088	34	39	all	all	PRON
eistud-1088	34	40	that	that	PRON
eistud-1088	34	41	have	have	AUX
eistud-1088	34	42	led	lead	VERB
eistud-1088	34	43	to	to	ADP
eistud-1088	34	44	the	the	DET
eistud-1088	34	45	significant	significant	ADJ
eistud-1088	34	46	failures	failure	NOUN
eistud-1088	34	47	[	[	X
eistud-1088	34	48	hindle	hindle	NOUN
eistud-1088	34	49	2009	2009	NUM
eistud-1088	34	50	]	]	PUNCT
eistud-1088	34	51	.	.	PUNCT
eistud-1088	35	1	as	as	ADP
eistud-1088	35	2	a	a	DET
eistud-1088	35	3	response	response	NOUN
eistud-1088	35	4	to	to	ADP
eistud-1088	35	5	the	the	DET
eistud-1088	35	6	financial	financial	ADJ
eistud-1088	35	7	crisis	crisis	NOUN
eistud-1088	35	8	the	the	DET
eistud-1088	35	9	european	european	PROPN
eistud-1088	35	10	commission	commission	PROPN
eistud-1088	35	11	(	(	PUNCT
eistud-1088	35	12	2009	2009	NUM
eistud-1088	35	13	)	)	PUNCT
eistud-1088	35	14	has	have	AUX
eistud-1088	35	15	been	be	AUX
eistud-1088	35	16	working	work	VERB
eistud-1088	35	17	actively	actively	ADV
eistud-1088	35	18	to	to	PART
eistud-1088	35	19	complete	complete	VERB
eistud-1088	35	20	a	a	DET
eistud-1088	35	21	comprehensive	comprehensive	ADJ
eistud-1088	35	22	financial	financial	ADJ
eistud-1088	35	23	reform	reform	NOUN
eistud-1088	35	24	to	to	PART
eistud-1088	35	25	address	address	VERB
eistud-1088	35	26	poor	poor	ADJ
eistud-1088	35	27	risk	risk	NOUN
eistud-1088	35	28	management	management	NOUN
eistud-1088	35	29	,	,	PUNCT
eistud-1088	35	30	lack	lack	NOUN
eistud-1088	35	31	of	of	ADP
eistud-1088	35	32	responsibility	responsibility	NOUN
eistud-1088	35	33	and	and	CCONJ
eistud-1088	35	34	to	to	PART
eistud-1088	35	35	correct	correct	VERB
eistud-1088	35	36	the	the	DET
eistud-1088	35	37	underlying	underlie	VERB
eistud-1088	35	38	weaknesses	weakness	NOUN
eistud-1088	35	39	in	in	ADP
eistud-1088	35	40	the	the	DET
eistud-1088	35	41	supervisory	supervisory	ADJ
eistud-1088	35	42	and	and	CCONJ
eistud-1088	35	43	regulatory	regulatory	ADJ
eistud-1088	35	44	framework	framework	NOUN
eistud-1088	35	45	.	.	PUNCT
eistud-1088	36	1	issn	issn	PROPN
eistud-1088	36	2	1822–8402	1822–8402	NUM
eistud-1088	36	3	european	european	ADJ
eistud-1088	36	4	integration	integration	NOUN
eistud-1088	36	5	studies	study	NOUN
eistud-1088	36	6	.	.	PUNCT
eistud-1088	37	1	2011	2011	NUM
eistud-1088	37	2	.	.	PUNCT
eistud-1088	38	1	no	no	DET
eistud-1088	38	2	5	5	NUM
eistud-1088	38	3	133	133	NUM
eistud-1088	38	4	the	the	DET
eistud-1088	38	5	regulatory	regulatory	ADJ
eistud-1088	38	6	developments	development	NOUN
eistud-1088	38	7	are	be	AUX
eistud-1088	38	8	substantially	substantially	ADV
eistud-1088	38	9	increasing	increase	VERB
eistud-1088	38	10	the	the	DET
eistud-1088	38	11	role	role	NOUN
eistud-1088	38	12	of	of	ADP
eistud-1088	38	13	compliance	compliance	NOUN
eistud-1088	38	14	.	.	PUNCT
eistud-1088	39	1	this	this	PRON
eistud-1088	39	2	is	be	AUX
eistud-1088	39	3	confirmed	confirm	VERB
eistud-1088	39	4	by	by	ADP
eistud-1088	39	5	research	research	NOUN
eistud-1088	39	6	.	.	PUNCT
eistud-1088	40	1	one	one	NUM
eistud-1088	40	2	of	of	ADP
eistud-1088	40	3	the	the	DET
eistud-1088	40	4	main	main	ADJ
eistud-1088	40	5	supervisory	supervisory	ADJ
eistud-1088	40	6	objectives	objective	NOUN
eistud-1088	40	7	in	in	ADP
eistud-1088	40	8	eu	eu	PROPN
eistud-1088	40	9	countries	country	NOUN
eistud-1088	40	10	is	be	AUX
eistud-1088	40	11	to	to	PART
eistud-1088	40	12	ensure	ensure	VERB
eistud-1088	40	13	compliance	compliance	NOUN
eistud-1088	40	14	with	with	ADP
eistud-1088	40	15	relevant	relevant	ADJ
eistud-1088	40	16	laws	law	NOUN
eistud-1088	40	17	and	and	CCONJ
eistud-1088	40	18	regulations	regulation	NOUN
eistud-1088	40	19	[	[	X
eistud-1088	40	20	garcia	garcia	PROPN
eistud-1088	40	21	,	,	PUNCT
eistud-1088	40	22	2009	2009	NUM
eistud-1088	40	23	]	]	PUNCT
eistud-1088	40	24	.	.	PUNCT
eistud-1088	41	1	through	through	ADP
eistud-1088	41	2	market	market	NOUN
eistud-1088	41	3	research	research	NOUN
eistud-1088	41	4	and	and	CCONJ
eistud-1088	41	5	interviews	interview	NOUN
eistud-1088	41	6	with	with	ADP
eistud-1088	41	7	industry	industry	NOUN
eistud-1088	41	8	executives	executive	NOUN
eistud-1088	41	9	,	,	PUNCT
eistud-1088	41	10	the	the	DET
eistud-1088	41	11	ibm	ibm	PROPN
eistud-1088	41	12	institute	institute	NOUN
eistud-1088	41	13	for	for	ADP
eistud-1088	41	14	business	business	NOUN
eistud-1088	41	15	value	value	NOUN
eistud-1088	41	16	identified	identify	VERB
eistud-1088	41	17	a	a	DET
eistud-1088	41	18	number	number	NOUN
eistud-1088	41	19	of	of	ADP
eistud-1088	41	20	significant	significant	ADJ
eistud-1088	41	21	industry	industry	NOUN
eistud-1088	41	22	trends	trend	NOUN
eistud-1088	41	23	that	that	PRON
eistud-1088	41	24	will	will	AUX
eistud-1088	41	25	impact	impact	VERB
eistud-1088	41	26	the	the	DET
eistud-1088	41	27	retail	retail	ADJ
eistud-1088	41	28	banking	banking	NOUN
eistud-1088	41	29	industry	industry	NOUN
eistud-1088	41	30	.	.	PUNCT
eistud-1088	42	1	regulatory	regulatory	ADJ
eistud-1088	42	2	burdens	burden	NOUN
eistud-1088	42	3	intensify	intensify	VERB
eistud-1088	42	4	–	–	PUNCT
eistud-1088	42	5	heightened	heighten	VERB
eistud-1088	42	6	requirements	requirement	NOUN
eistud-1088	42	7	around	around	ADP
eistud-1088	42	8	privacy	privacy	NOUN
eistud-1088	42	9	,	,	PUNCT
eistud-1088	42	10	security	security	NOUN
eistud-1088	42	11	,	,	PUNCT
eistud-1088	42	12	partnership	partnership	NOUN
eistud-1088	42	13	risk	risk	NOUN
eistud-1088	42	14	and	and	CCONJ
eistud-1088	42	15	operational	operational	ADJ
eistud-1088	42	16	risk	risk	NOUN
eistud-1088	42	17	will	will	AUX
eistud-1088	42	18	require	require	VERB
eistud-1088	42	19	banks	bank	NOUN
eistud-1088	42	20	to	to	PART
eistud-1088	42	21	take	take	VERB
eistud-1088	42	22	a	a	DET
eistud-1088	42	23	more	more	ADV
eistud-1088	42	24	proactive	proactive	ADJ
eistud-1088	42	25	,	,	PUNCT
eistud-1088	42	26	enterprise	enterprise	NOUN
eistud-1088	42	27	wide	wide	ADJ
eistud-1088	42	28	approach	approach	NOUN
eistud-1088	42	29	to	to	ADP
eistud-1088	42	30	managing	manage	VERB
eistud-1088	42	31	compliance	compliance	NOUN
eistud-1088	42	32	issues	issue	NOUN
eistud-1088	43	1	[	[	X
eistud-1088	43	2	hedley	hedley	NOUN
eistud-1088	43	3	,	,	PUNCT
eistud-1088	43	4	white	white	ADJ
eistud-1088	43	5	,	,	PUNCT
eistud-1088	43	6	2006	2006	NUM
eistud-1088	43	7	]	]	PUNCT
eistud-1088	43	8	.	.	PUNCT
eistud-1088	44	1	regulations	regulation	NOUN
eistud-1088	44	2	as	as	ADP
eistud-1088	44	3	such	such	ADJ
eistud-1088	44	4	are	be	AUX
eistud-1088	44	5	not	not	PART
eistud-1088	44	6	to	to	PART
eistud-1088	44	7	be	be	AUX
eistud-1088	44	8	blamed	blame	VERB
eistud-1088	44	9	in	in	ADP
eistud-1088	44	10	a	a	DET
eistud-1088	44	11	context	context	NOUN
eistud-1088	44	12	of	of	ADP
eistud-1088	44	13	financial	financial	ADJ
eistud-1088	44	14	crisis	crisis	NOUN
eistud-1088	44	15	,	,	PUNCT
eistud-1088	44	16	moreover	moreover	ADV
eistud-1088	44	17	the	the	DET
eistud-1088	44	18	control	control	NOUN
eistud-1088	44	19	mechanism	mechanism	NOUN
eistud-1088	44	20	that	that	PRON
eistud-1088	44	21	is	be	AUX
eistud-1088	44	22	being	be	AUX
eistud-1088	44	23	reformed	reform	VERB
eistud-1088	44	24	and	and	CCONJ
eistud-1088	44	25	overhauled	overhaul	VERB
eistud-1088	44	26	[	[	PUNCT
eistud-1088	44	27	chambers	chamber	NOUN
eistud-1088	44	28	2010	2010	NUM
eistud-1088	44	29	]	]	PUNCT
eistud-1088	44	30	.	.	PUNCT
eistud-1088	45	1	compliance	compliance	NOUN
eistud-1088	45	2	in	in	ADP
eistud-1088	45	3	general	general	ADJ
eistud-1088	45	4	terms	term	NOUN
eistud-1088	45	5	is	be	AUX
eistud-1088	45	6	the	the	DET
eistud-1088	45	7	adherence	adherence	NOUN
eistud-1088	45	8	to	to	ADP
eistud-1088	45	9	the	the	DET
eistud-1088	45	10	existing	exist	VERB
eistud-1088	45	11	rules	rule	NOUN
eistud-1088	45	12	and	and	CCONJ
eistud-1088	45	13	regulations	regulation	NOUN
eistud-1088	45	14	laid	lay	VERB
eistud-1088	45	15	down	down	ADP
eistud-1088	45	16	by	by	ADP
eistud-1088	45	17	those	those	PRON
eistud-1088	45	18	in	in	ADP
eistud-1088	45	19	authority	authority	NOUN
eistud-1088	45	20	[	[	X
eistud-1088	45	21	edwards	edwards	PROPN
eistud-1088	45	22	2006	2006	NUM
eistud-1088	45	23	]	]	PUNCT
eistud-1088	45	24	.	.	PUNCT
eistud-1088	46	1	currently	currently	ADV
eistud-1088	46	2	there	there	PRON
eistud-1088	46	3	is	be	VERB
eistud-1088	46	4	a	a	DET
eistud-1088	46	5	widespread	widespread	ADJ
eistud-1088	46	6	understanding	understanding	NOUN
eistud-1088	46	7	that	that	SCONJ
eistud-1088	46	8	compliance	compliance	NOUN
eistud-1088	46	9	means	mean	VERB
eistud-1088	46	10	respecting	respect	VERB
eistud-1088	46	11	all	all	DET
eistud-1088	46	12	the	the	DET
eistud-1088	46	13	regulations	regulation	NOUN
eistud-1088	46	14	and	and	CCONJ
eistud-1088	46	15	supervisory	supervisory	ADJ
eistud-1088	46	16	expectations	expectation	NOUN
eistud-1088	46	17	relevant	relevant	ADJ
eistud-1088	46	18	to	to	ADP
eistud-1088	46	19	financial	financial	ADJ
eistud-1088	46	20	institution	institution	NOUN
eistud-1088	46	21	.	.	PUNCT
eistud-1088	47	1	compliance	compliance	NOUN
eistud-1088	47	2	means	mean	VERB
eistud-1088	47	3	not	not	PART
eistud-1088	47	4	only	only	ADV
eistud-1088	47	5	adherence	adherence	NOUN
eistud-1088	47	6	to	to	ADP
eistud-1088	47	7	the	the	DET
eistud-1088	47	8	letter	letter	NOUN
eistud-1088	47	9	of	of	ADP
eistud-1088	47	10	the	the	DET
eistud-1088	47	11	law	law	NOUN
eistud-1088	47	12	,	,	PUNCT
eistud-1088	47	13	moreover	moreover	ADV
eistud-1088	47	14	it	it	PRON
eistud-1088	47	15	is	be	AUX
eistud-1088	47	16	also	also	ADV
eistud-1088	47	17	concerned	concern	VERB
eistud-1088	47	18	with	with	ADP
eistud-1088	47	19	adherence	adherence	NOUN
eistud-1088	47	20	to	to	ADP
eistud-1088	47	21	the	the	DET
eistud-1088	47	22	spirit	spirit	NOUN
eistud-1088	47	23	of	of	ADP
eistud-1088	47	24	the	the	DET
eistud-1088	47	25	law	law	NOUN
eistud-1088	47	26	.	.	PUNCT
eistud-1088	48	1	this	this	PRON
eistud-1088	48	2	is	be	AUX
eistud-1088	48	3	one	one	NUM
eistud-1088	48	4	of	of	ADP
eistud-1088	48	5	the	the	DET
eistud-1088	48	6	main	main	ADJ
eistud-1088	48	7	reasons	reason	NOUN
eistud-1088	48	8	why	why	SCONJ
eistud-1088	48	9	the	the	DET
eistud-1088	48	10	development	development	NOUN
eistud-1088	48	11	of	of	ADP
eistud-1088	48	12	compliance	compliance	NOUN
eistud-1088	48	13	industry	industry	NOUN
eistud-1088	48	14	is	be	AUX
eistud-1088	48	15	a	a	DET
eistud-1088	48	16	joint	joint	ADJ
eistud-1088	48	17	effort	effort	NOUN
eistud-1088	48	18	between	between	ADP
eistud-1088	48	19	the	the	DET
eistud-1088	48	20	financial	financial	ADJ
eistud-1088	48	21	industry	industry	NOUN
eistud-1088	48	22	and	and	CCONJ
eistud-1088	48	23	the	the	DET
eistud-1088	48	24	regulators	regulator	NOUN
eistud-1088	48	25	.	.	PUNCT
eistud-1088	49	1	recognition	recognition	NOUN
eistud-1088	49	2	of	of	ADP
eistud-1088	49	3	the	the	DET
eistud-1088	49	4	broader	broad	ADJ
eistud-1088	49	5	role	role	NOUN
eistud-1088	49	6	of	of	ADP
eistud-1088	49	7	compliance	compliance	NOUN
eistud-1088	49	8	as	as	ADP
eistud-1088	49	9	a	a	DET
eistud-1088	49	10	part	part	NOUN
eistud-1088	49	11	of	of	ADP
eistud-1088	49	12	the	the	DET
eistud-1088	49	13	governance	governance	NOUN
eistud-1088	49	14	framework	framework	NOUN
eistud-1088	49	15	for	for	ADP
eistud-1088	49	16	banks	bank	NOUN
eistud-1088	49	17	is	be	AUX
eistud-1088	49	18	yet	yet	ADV
eistud-1088	49	19	very	very	ADV
eistud-1088	49	20	strong	strong	ADJ
eistud-1088	49	21	and	and	CCONJ
eistud-1088	49	22	confirmed	confirm	VERB
eistud-1088	49	23	by	by	ADP
eistud-1088	49	24	guidelines	guideline	NOUN
eistud-1088	49	25	from	from	ADP
eistud-1088	49	26	basel	basel	PROPN
eistud-1088	49	27	committee	committee	PROPN
eistud-1088	49	28	(	(	PUNCT
eistud-1088	49	29	2010	2010	NUM
eistud-1088	49	30	)	)	PUNCT
eistud-1088	49	31	.	.	PUNCT
eistud-1088	50	1	there	there	PRON
eistud-1088	50	2	is	be	VERB
eistud-1088	50	3	a	a	DET
eistud-1088	50	4	large	large	ADJ
eistud-1088	50	5	number	number	NOUN
eistud-1088	50	6	of	of	ADP
eistud-1088	50	7	various	various	ADJ
eistud-1088	50	8	studies	study	NOUN
eistud-1088	50	9	and	and	CCONJ
eistud-1088	50	10	surveys	survey	NOUN
eistud-1088	50	11	on	on	ADP
eistud-1088	50	12	compliance	compliance	NOUN
eistud-1088	50	13	matters	matter	NOUN
eistud-1088	50	14	from	from	ADP
eistud-1088	50	15	international	international	ADJ
eistud-1088	50	16	financial	financial	ADJ
eistud-1088	50	17	community	community	NOUN
eistud-1088	50	18	:	:	PUNCT
eistud-1088	50	19	eu	eu	PROPN
eistud-1088	50	20	,	,	PUNCT
eistud-1088	50	21	european	european	ADJ
eistud-1088	50	22	commission	commission	PROPN
eistud-1088	50	23	(	(	PUNCT
eistud-1088	50	24	2009	2009	NUM
eistud-1088	50	25	,	,	PUNCT
eistud-1088	50	26	2010	2010	NUM
eistud-1088	50	27	)	)	PUNCT
eistud-1088	50	28	,	,	PUNCT
eistud-1088	50	29	basel	basel	PROPN
eistud-1088	50	30	committee	committee	PROPN
eistud-1088	50	31	(	(	PUNCT
eistud-1088	50	32	2008	2008	NUM
eistud-1088	50	33	)	)	PUNCT
eistud-1088	50	34	,	,	PUNCT
eistud-1088	50	35	pricewaterhousecoopers	pricewaterhousecooper	NOUN
eistud-1088	50	36	(	(	PUNCT
eistud-1088	50	37	2002	2002	NUM
eistud-1088	50	38	)	)	PUNCT
eistud-1088	50	39	,	,	PUNCT
eistud-1088	50	40	kpmg	kpmg	PROPN
eistud-1088	50	41	(	(	PUNCT
eistud-1088	50	42	2005	2005	NUM
eistud-1088	50	43	)	)	PUNCT
eistud-1088	50	44	,	,	PUNCT
eistud-1088	50	45	securities	security	NOUN
eistud-1088	50	46	industry	industry	NOUN
eistud-1088	50	47	association	association	NOUN
eistud-1088	50	48	(	(	PUNCT
eistud-1088	50	49	2005	2005	NUM
eistud-1088	50	50	)	)	PUNCT
eistud-1088	50	51	and	and	CCONJ
eistud-1088	50	52	academic	academic	ADJ
eistud-1088	50	53	researchers	researcher	NOUN
eistud-1088	50	54	:	:	PUNCT
eistud-1088	50	55	verhage	verhage	NOUN
eistud-1088	50	56	(	(	PUNCT
eistud-1088	50	57	2009	2009	NUM
eistud-1088	50	58	)	)	PUNCT
eistud-1088	50	59	,	,	PUNCT
eistud-1088	50	60	birindelli	birindelli	NOUN
eistud-1088	50	61	(	(	PUNCT
eistud-1088	50	62	2008	2008	NUM
eistud-1088	50	63	)	)	PUNCT
eistud-1088	50	64	,	,	PUNCT
eistud-1088	50	65	haynes	hayne	NOUN
eistud-1088	50	66	(	(	PUNCT
eistud-1088	50	67	2005	2005	NUM
eistud-1088	50	68	)	)	PUNCT
eistud-1088	50	69	,	,	PUNCT
eistud-1088	50	70	sathye	sathye	NOUN
eistud-1088	50	71	(	(	PUNCT
eistud-1088	50	72	2008	2008	NUM
eistud-1088	50	73	)	)	PUNCT
eistud-1088	50	74	,	,	PUNCT
eistud-1088	50	75	taylor	taylor	PROPN
eistud-1088	50	76	(	(	PUNCT
eistud-1088	50	77	2005	2005	NUM
eistud-1088	50	78	)	)	PUNCT
eistud-1088	50	79	,	,	PUNCT
eistud-1088	50	80	rossi	rossi	ADJ
eistud-1088	50	81	(	(	PUNCT
eistud-1088	50	82	2010	2010	NUM
eistud-1088	50	83	)	)	PUNCT
eistud-1088	50	84	,	,	PUNCT
eistud-1088	50	85	where	where	SCONJ
eistud-1088	50	86	has	have	AUX
eistud-1088	50	87	been	be	AUX
eistud-1088	50	88	pointed	point	VERB
eistud-1088	50	89	out	out	ADP
eistud-1088	50	90	series	series	NOUN
eistud-1088	50	91	of	of	ADP
eistud-1088	50	92	issues	issue	NOUN
eistud-1088	50	93	concerning	concern	VERB
eistud-1088	50	94	compliance	compliance	NOUN
eistud-1088	50	95	,	,	PUNCT
eistud-1088	50	96	among	among	ADP
eistud-1088	50	97	which	which	PRON
eistud-1088	50	98	the	the	DET
eistud-1088	50	99	research	research	NOUN
eistud-1088	50	100	on	on	ADP
eistud-1088	50	101	the	the	DET
eistud-1088	50	102	gap	gap	NOUN
eistud-1088	50	103	between	between	ADP
eistud-1088	50	104	national	national	ADJ
eistud-1088	50	105	and	and	CCONJ
eistud-1088	50	106	foreign	foreign	ADJ
eistud-1088	50	107	banks	bank	NOUN
eistud-1088	50	108	,	,	PUNCT
eistud-1088	50	109	and	and	CCONJ
eistud-1088	50	110	the	the	DET
eistud-1088	50	111	evolution	evolution	NOUN
eistud-1088	50	112	of	of	ADP
eistud-1088	50	113	compliance	compliance	NOUN
eistud-1088	50	114	in	in	ADP
eistud-1088	50	115	different	different	ADJ
eistud-1088	50	116	countries	country	NOUN
eistud-1088	50	117	.	.	PUNCT
eistud-1088	51	1	interpretation	interpretation	NOUN
eistud-1088	51	2	issues	issue	NOUN
eistud-1088	51	3	with	with	ADP
eistud-1088	51	4	regards	regard	NOUN
eistud-1088	51	5	to	to	ADP
eistud-1088	51	6	certain	certain	ADJ
eistud-1088	51	7	definitions	definition	NOUN
eistud-1088	51	8	and	and	CCONJ
eistud-1088	51	9	judgment	judgment	NOUN
eistud-1088	51	10	of	of	ADP
eistud-1088	51	11	business	business	NOUN
eistud-1088	51	12	practices	practice	NOUN
eistud-1088	51	13	have	have	AUX
eistud-1088	51	14	been	be	AUX
eistud-1088	51	15	identified	identify	VERB
eistud-1088	51	16	.	.	PUNCT
eistud-1088	52	1	this	this	PRON
eistud-1088	52	2	raises	raise	VERB
eistud-1088	52	3	a	a	DET
eistud-1088	52	4	question	question	NOUN
eistud-1088	52	5	if	if	SCONJ
eistud-1088	52	6	more	more	ADJ
eistud-1088	52	7	attention	attention	NOUN
eistud-1088	52	8	should	should	AUX
eistud-1088	52	9	be	be	AUX
eistud-1088	52	10	paid	pay	VERB
eistud-1088	52	11	to	to	ADP
eistud-1088	52	12	the	the	DET
eistud-1088	52	13	academic	academic	ADJ
eistud-1088	52	14	research	research	NOUN
eistud-1088	52	15	of	of	ADP
eistud-1088	52	16	compliance	compliance	NOUN
eistud-1088	52	17	management	management	NOUN
eistud-1088	52	18	in	in	ADP
eistud-1088	52	19	latvia	latvia	PROPN
eistud-1088	52	20	’s	’s	PART
eistud-1088	52	21	banking	banking	NOUN
eistud-1088	52	22	sector	sector	NOUN
eistud-1088	52	23	.	.	PUNCT
eistud-1088	53	1	several	several	ADJ
eistud-1088	53	2	studies	study	NOUN
eistud-1088	53	3	[	[	X
eistud-1088	53	4	kudinska	kudinska	INTJ
eistud-1088	53	5	,	,	PUNCT
eistud-1088	53	6	2004	2004	NUM
eistud-1088	53	7	]	]	PUNCT
eistud-1088	53	8	,	,	PUNCT
eistud-1088	53	9	[	[	X
eistud-1088	53	10	romānova	romānova	X
eistud-1088	53	11	,	,	PUNCT
eistud-1088	53	12	2008	2008	NUM
eistud-1088	53	13	]	]	PUNCT
eistud-1088	53	14	,	,	PUNCT
eistud-1088	53	15	[	[	X
eistud-1088	53	16	solovjova	solovjova	PROPN
eistud-1088	53	17	,	,	PUNCT
eistud-1088	53	18	2008	2008	NUM
eistud-1088	53	19	]	]	PUNCT
eistud-1088	53	20	have	have	AUX
eistud-1088	53	21	been	be	AUX
eistud-1088	53	22	concluding	conclude	VERB
eistud-1088	53	23	regarding	regard	VERB
eistud-1088	53	24	latvia	latvia	PROPN
eistud-1088	53	25	’s	’s	PART
eistud-1088	53	26	commercial	commercial	ADJ
eistud-1088	53	27	banks	bank	NOUN
eistud-1088	53	28	,	,	PUNCT
eistud-1088	53	29	but	but	CCONJ
eistud-1088	53	30	none	none	NOUN
eistud-1088	53	31	of	of	ADP
eistud-1088	53	32	them	they	PRON
eistud-1088	53	33	included	include	VERB
eistud-1088	53	34	matters	matter	NOUN
eistud-1088	53	35	of	of	ADP
eistud-1088	53	36	compliance	compliance	NOUN
eistud-1088	53	37	management	management	NOUN
eistud-1088	53	38	.	.	PUNCT
eistud-1088	54	1	solovjova	solovjova	PROPN
eistud-1088	54	2	(	(	PUNCT
eistud-1088	54	3	2008	2008	NUM
eistud-1088	54	4	)	)	PUNCT
eistud-1088	54	5	analysed	analyse	VERB
eistud-1088	54	6	latvian	latvian	ADJ
eistud-1088	54	7	banking	banking	NOUN
eistud-1088	54	8	internal	internal	ADJ
eistud-1088	54	9	stability	stability	NOUN
eistud-1088	54	10	factors	factor	NOUN
eistud-1088	54	11	and	and	CCONJ
eistud-1088	54	12	concluded	conclude	VERB
eistud-1088	54	13	that	that	SCONJ
eistud-1088	54	14	they	they	PRON
eistud-1088	54	15	could	could	AUX
eistud-1088	54	16	be	be	AUX
eistud-1088	54	17	divided	divide	VERB
eistud-1088	54	18	in	in	ADP
eistud-1088	54	19	three	three	NUM
eistud-1088	54	20	groups	group	NOUN
eistud-1088	54	21	:	:	PUNCT
eistud-1088	54	22	organizational	organizational	ADJ
eistud-1088	54	23	,	,	PUNCT
eistud-1088	54	24	technological	technological	ADJ
eistud-1088	54	25	and	and	CCONJ
eistud-1088	54	26	economical	economical	ADJ
eistud-1088	54	27	.	.	PUNCT
eistud-1088	55	1	banking	banking	NOUN
eistud-1088	55	2	governance	governance	NOUN
eistud-1088	55	3	condition	condition	NOUN
eistud-1088	55	4	was	be	AUX
eistud-1088	55	5	defined	define	VERB
eistud-1088	55	6	as	as	ADP
eistud-1088	55	7	one	one	NUM
eistud-1088	55	8	of	of	ADP
eistud-1088	55	9	the	the	DET
eistud-1088	55	10	most	most	ADV
eistud-1088	55	11	important	important	ADJ
eistud-1088	55	12	organizational	organizational	ADJ
eistud-1088	55	13	factors	factor	NOUN
eistud-1088	55	14	.	.	PUNCT
eistud-1088	56	1	this	this	PRON
eistud-1088	56	2	is	be	AUX
eistud-1088	56	3	in	in	ADP
eistud-1088	56	4	line	line	NOUN
eistud-1088	56	5	with	with	ADP
eistud-1088	56	6	recent	recent	ADJ
eistud-1088	56	7	recommendations	recommendation	NOUN
eistud-1088	56	8	from	from	ADP
eistud-1088	56	9	basel	basel	PROPN
eistud-1088	56	10	committee	committee	PROPN
eistud-1088	56	11	(	(	PUNCT
eistud-1088	56	12	2010	2010	NUM
eistud-1088	56	13	)	)	PUNCT
eistud-1088	56	14	.	.	PUNCT
eistud-1088	57	1	strategy	strategy	NOUN
eistud-1088	57	2	is	be	AUX
eistud-1088	57	3	a	a	DET
eistud-1088	57	4	key	key	ADJ
eistud-1088	57	5	element	element	NOUN
eistud-1088	57	6	of	of	ADP
eistud-1088	57	7	bank	bank	NOUN
eistud-1088	57	8	’s	’s	PART
eistud-1088	57	9	success	success	NOUN
eistud-1088	57	10	in	in	ADP
eistud-1088	57	11	a	a	DET
eistud-1088	57	12	current	current	ADJ
eistud-1088	57	13	competitive	competitive	ADJ
eistud-1088	57	14	environment	environment	NOUN
eistud-1088	57	15	.	.	PUNCT
eistud-1088	58	1	senior	senior	ADJ
eistud-1088	58	2	management	management	NOUN
eistud-1088	58	3	of	of	ADP
eistud-1088	58	4	banks	bank	NOUN
eistud-1088	58	5	is	be	AUX
eistud-1088	58	6	responsible	responsible	ADJ
eistud-1088	58	7	for	for	ADP
eistud-1088	58	8	overall	overall	ADJ
eistud-1088	58	9	strategy	strategy	NOUN
eistud-1088	58	10	.	.	PUNCT
eistud-1088	59	1	solovjova	solovjova	PROPN
eistud-1088	59	2	(	(	PUNCT
eistud-1088	59	3	2008	2008	NUM
eistud-1088	59	4	)	)	PUNCT
eistud-1088	59	5	defined	define	VERB
eistud-1088	59	6	and	and	CCONJ
eistud-1088	59	7	described	describe	VERB
eistud-1088	59	8	strategy	strategy	NOUN
eistud-1088	59	9	pyramid	pyramid	NOUN
eistud-1088	59	10	,	,	PUNCT
eistud-1088	59	11	which	which	PRON
eistud-1088	59	12	contains	contain	VERB
eistud-1088	59	13	financial	financial	ADJ
eistud-1088	59	14	,	,	PUNCT
eistud-1088	59	15	marketing	marketing	NOUN
eistud-1088	59	16	,	,	PUNCT
eistud-1088	59	17	personal	personal	ADJ
eistud-1088	59	18	management	management	NOUN
eistud-1088	59	19	,	,	PUNCT
eistud-1088	59	20	information	information	NOUN
eistud-1088	59	21	technology	technology	NOUN
eistud-1088	59	22	and	and	CCONJ
eistud-1088	59	23	safety	safety	NOUN
eistud-1088	59	24	.	.	PUNCT
eistud-1088	60	1	therefore	therefore	ADV
eistud-1088	60	2	the	the	DET
eistud-1088	60	3	discussion	discussion	NOUN
eistud-1088	60	4	regarding	regard	VERB
eistud-1088	60	5	compliance	compliance	NOUN
eistud-1088	60	6	strategy	strategy	NOUN
eistud-1088	60	7	in	in	ADP
eistud-1088	60	8	latvia	latvia	PROPN
eistud-1088	60	9	’s	’s	PART
eistud-1088	60	10	banking	banking	NOUN
eistud-1088	60	11	sector	sector	NOUN
eistud-1088	60	12	is	be	AUX
eistud-1088	60	13	needed	need	VERB
eistud-1088	60	14	.	.	PUNCT
eistud-1088	61	1	considering	consider	VERB
eistud-1088	61	2	the	the	DET
eistud-1088	61	3	above	above	ADV
eistud-1088	61	4	-	-	PUNCT
eistud-1088	61	5	mentioned	mention	VERB
eistud-1088	61	6	aspects	aspect	NOUN
eistud-1088	61	7	the	the	DET
eistud-1088	61	8	research	research	NOUN
eistud-1088	61	9	problem	problem	NOUN
eistud-1088	61	10	being	be	AUX
eistud-1088	61	11	solved	solve	VERB
eistud-1088	61	12	in	in	ADP
eistud-1088	61	13	this	this	DET
eistud-1088	61	14	article	article	NOUN
eistud-1088	61	15	should	should	AUX
eistud-1088	61	16	be	be	AUX
eistud-1088	61	17	constructed	construct	VERB
eistud-1088	61	18	as	as	SCONJ
eistud-1088	61	19	follows	follow	VERB
eistud-1088	61	20	:	:	PUNCT
eistud-1088	61	21	how	how	SCONJ
eistud-1088	61	22	to	to	PART
eistud-1088	61	23	define	define	VERB
eistud-1088	61	24	strategic	strategic	ADJ
eistud-1088	61	25	drivers	driver	NOUN
eistud-1088	61	26	for	for	ADP
eistud-1088	61	27	compliance	compliance	NOUN
eistud-1088	61	28	development	development	NOUN
eistud-1088	61	29	in	in	ADP
eistud-1088	61	30	order	order	NOUN
eistud-1088	61	31	to	to	PART
eistud-1088	61	32	promote	promote	VERB
eistud-1088	61	33	scientific	scientific	ADJ
eistud-1088	61	34	debate	debate	NOUN
eistud-1088	61	35	in	in	ADP
eistud-1088	61	36	latvia	latvia	PROPN
eistud-1088	61	37	about	about	ADP
eistud-1088	61	38	compliance	compliance	NOUN
eistud-1088	61	39	management	management	NOUN
eistud-1088	61	40	practice	practice	NOUN
eistud-1088	61	41	and	and	CCONJ
eistud-1088	61	42	support	support	NOUN
eistud-1088	61	43	practitioners	practitioner	NOUN
eistud-1088	61	44	.	.	PUNCT
eistud-1088	62	1	research	research	NOUN
eistud-1088	62	2	object	object	VERB
eistud-1088	62	3	legal	legal	ADJ
eistud-1088	62	4	framework	framework	NOUN
eistud-1088	62	5	for	for	ADP
eistud-1088	62	6	compliance	compliance	NOUN
eistud-1088	62	7	in	in	ADP
eistud-1088	62	8	latvia	latvia	PROPN
eistud-1088	62	9	’s	’s	PART
eistud-1088	62	10	banking	banking	NOUN
eistud-1088	62	11	sector	sector	NOUN
eistud-1088	62	12	.	.	PUNCT
eistud-1088	63	1	the	the	DET
eistud-1088	63	2	aim	aim	NOUN
eistud-1088	63	3	of	of	ADP
eistud-1088	63	4	the	the	DET
eistud-1088	63	5	article	article	NOUN
eistud-1088	63	6	is	be	AUX
eistud-1088	63	7	to	to	PART
eistud-1088	63	8	evaluate	evaluate	VERB
eistud-1088	63	9	possible	possible	ADJ
eistud-1088	63	10	impact	impact	NOUN
eistud-1088	63	11	of	of	ADP
eistud-1088	63	12	eu	eu	PROPN
eistud-1088	63	13	financial	financial	ADJ
eistud-1088	63	14	reform	reform	NOUN
eistud-1088	63	15	to	to	ADP
eistud-1088	63	16	the	the	DET
eistud-1088	63	17	compliance	compliance	NOUN
eistud-1088	63	18	and	and	CCONJ
eistud-1088	63	19	theoretical	theoretical	ADJ
eistud-1088	63	20	constitution	constitution	NOUN
eistud-1088	63	21	of	of	ADP
eistud-1088	63	22	sanctions	sanction	NOUN
eistud-1088	63	23	as	as	ADP
eistud-1088	63	24	one	one	NUM
eistud-1088	63	25	of	of	ADP
eistud-1088	63	26	the	the	DET
eistud-1088	63	27	main	main	ADJ
eistud-1088	63	28	drivers	driver	NOUN
eistud-1088	63	29	for	for	ADP
eistud-1088	63	30	development	development	NOUN
eistud-1088	63	31	of	of	ADP
eistud-1088	63	32	compliance	compliance	NOUN
eistud-1088	63	33	management	management	NOUN
eistud-1088	63	34	.	.	PUNCT
eistud-1088	64	1	the	the	DET
eistud-1088	64	2	research	research	NOUN
eistud-1088	64	3	tasks	task	NOUN
eistud-1088	64	4	are	be	AUX
eistud-1088	64	5	the	the	DET
eistud-1088	64	6	following	follow	VERB
eistud-1088	64	7	:	:	PUNCT
eistud-1088	64	8	•	•	NOUN
eistud-1088	64	9	systemize	systemize	VERB
eistud-1088	64	10	knowledge	knowledge	NOUN
eistud-1088	64	11	around	around	ADP
eistud-1088	64	12	compliance	compliance	NOUN
eistud-1088	64	13	;	;	PUNCT
eistud-1088	64	14	•	•	NUM
eistud-1088	64	15	evaluate	evaluate	VERB
eistud-1088	64	16	importance	importance	NOUN
eistud-1088	64	17	of	of	ADP
eistud-1088	64	18	sanctions	sanction	NOUN
eistud-1088	64	19	in	in	ADP
eistud-1088	64	20	development	development	NOUN
eistud-1088	64	21	of	of	ADP
eistud-1088	64	22	compliance	compliance	NOUN
eistud-1088	64	23	and	and	CCONJ
eistud-1088	64	24	level	level	NOUN
eistud-1088	64	25	of	of	ADP
eistud-1088	64	26	administrative	administrative	ADJ
eistud-1088	64	27	sanctions	sanction	NOUN
eistud-1088	64	28	in	in	ADP
eistud-1088	64	29	latvia	latvia	PROPN
eistud-1088	64	30	in	in	ADP
eistud-1088	64	31	comparison	comparison	NOUN
eistud-1088	64	32	with	with	ADP
eistud-1088	64	33	other	other	ADJ
eistud-1088	64	34	eu	eu	PROPN
eistud-1088	64	35	countries	country	NOUN
eistud-1088	64	36	;	;	PUNCT
eistud-1088	64	37	•	•	NUM
eistud-1088	64	38	evaluate	evaluate	VERB
eistud-1088	64	39	the	the	DET
eistud-1088	64	40	readiness	readiness	NOUN
eistud-1088	64	41	of	of	ADP
eistud-1088	64	42	latvia	latvia	PROPN
eistud-1088	64	43	commercial	commercial	ADJ
eistud-1088	64	44	banks	bank	NOUN
eistud-1088	64	45	to	to	PART
eistud-1088	64	46	fulfil	fulfil	VERB
eistud-1088	64	47	the	the	DET
eistud-1088	64	48	requirements	requirement	NOUN
eistud-1088	64	49	for	for	ADP
eistud-1088	64	50	compliance	compliance	NOUN
eistud-1088	64	51	management	management	NOUN
eistud-1088	64	52	.	.	PUNCT
eistud-1088	65	1	the	the	DET
eistud-1088	65	2	research	research	NOUN
eistud-1088	65	3	methods	method	NOUN
eistud-1088	65	4	involve	involve	VERB
eistud-1088	65	5	analysis	analysis	NOUN
eistud-1088	65	6	of	of	ADP
eistud-1088	65	7	the	the	DET
eistud-1088	65	8	eu	eu	PROPN
eistud-1088	65	9	policy	policy	NOUN
eistud-1088	65	10	documents	document	NOUN
eistud-1088	65	11	and	and	CCONJ
eistud-1088	65	12	studies	study	NOUN
eistud-1088	65	13	;	;	PUNCT
eistud-1088	65	14	latvian	latvian	ADJ
eistud-1088	65	15	laws	law	NOUN
eistud-1088	65	16	related	relate	VERB
eistud-1088	65	17	to	to	ADP
eistud-1088	65	18	sanctions	sanction	NOUN
eistud-1088	65	19	in	in	ADP
eistud-1088	65	20	the	the	DET
eistud-1088	65	21	financial	financial	ADJ
eistud-1088	65	22	sector	sector	NOUN
eistud-1088	65	23	;	;	PUNCT
eistud-1088	65	24	compliance	compliance	NOUN
eistud-1088	65	25	literature	literature	NOUN
eistud-1088	65	26	review	review	NOUN
eistud-1088	65	27	and	and	CCONJ
eistud-1088	65	28	theoretical	theoretical	ADJ
eistud-1088	65	29	analysis	analysis	NOUN
eistud-1088	65	30	of	of	ADP
eistud-1088	65	31	the	the	DET
eistud-1088	65	32	research	research	NOUN
eistud-1088	65	33	in	in	ADP
eistud-1088	65	34	this	this	DET
eistud-1088	65	35	field	field	NOUN
eistud-1088	65	36	.	.	PUNCT
eistud-1088	66	1	the	the	DET
eistud-1088	66	2	research	research	NOUN
eistud-1088	66	3	novelty	novelty	NOUN
eistud-1088	66	4	is	be	AUX
eistud-1088	66	5	investigation	investigation	NOUN
eistud-1088	66	6	of	of	ADP
eistud-1088	66	7	latvia	latvia	PROPN
eistud-1088	66	8	’s	’s	PART
eistud-1088	66	9	legislative	legislative	ADJ
eistud-1088	66	10	documents	document	NOUN
eistud-1088	66	11	and	and	CCONJ
eistud-1088	66	12	practice	practice	NOUN
eistud-1088	66	13	related	relate	VERB
eistud-1088	66	14	to	to	ADP
eistud-1088	66	15	the	the	DET
eistud-1088	66	16	compliance	compliance	NOUN
eistud-1088	66	17	function	function	NOUN
eistud-1088	66	18	in	in	ADP
eistud-1088	66	19	commercial	commercial	ADJ
eistud-1088	66	20	banks	bank	NOUN
eistud-1088	66	21	.	.	PUNCT
eistud-1088	67	1	compliance	compliance	NOUN
eistud-1088	67	2	knowledge	knowledge	NOUN
eistud-1088	67	3	and	and	CCONJ
eistud-1088	67	4	theoretical	theoretical	ADJ
eistud-1088	67	5	background	background	NOUN
eistud-1088	67	6	recent	recent	ADJ
eistud-1088	67	7	observations	observation	NOUN
eistud-1088	68	1	[	[	X
eistud-1088	68	2	complinet	complinet	NOUN
eistud-1088	68	3	,	,	PUNCT
eistud-1088	68	4	2011	2011	NUM
eistud-1088	68	5	]	]	PUNCT
eistud-1088	68	6	suggest	suggest	VERB
eistud-1088	68	7	that	that	SCONJ
eistud-1088	68	8	in	in	ADP
eistud-1088	68	9	the	the	DET
eistud-1088	68	10	new	new	ADJ
eistud-1088	68	11	regulatory	regulatory	ADJ
eistud-1088	68	12	environment	environment	NOUN
eistud-1088	68	13	knowledge	knowledge	NOUN
eistud-1088	68	14	of	of	ADP
eistud-1088	68	15	compliance	compliance	NOUN
eistud-1088	68	16	is	be	AUX
eistud-1088	68	17	becoming	become	VERB
eistud-1088	68	18	increasingly	increasingly	ADV
eistud-1088	68	19	important	important	ADJ
eistud-1088	68	20	across	across	ADP
eistud-1088	68	21	all	all	DET
eistud-1088	68	22	areas	area	NOUN
eistud-1088	68	23	of	of	ADP
eistud-1088	68	24	business	business	NOUN
eistud-1088	68	25	.	.	PUNCT
eistud-1088	69	1	bank	bank	NOUN
eistud-1088	69	2	regulation	regulation	NOUN
eistud-1088	69	3	models	model	NOUN
eistud-1088	69	4	and	and	CCONJ
eistud-1088	69	5	supervisory	supervisory	ADJ
eistud-1088	69	6	approaches	approach	NOUN
eistud-1088	69	7	have	have	AUX
eistud-1088	69	8	changed	change	VERB
eistud-1088	69	9	significantly	significantly	ADV
eistud-1088	69	10	.	.	PUNCT
eistud-1088	70	1	the	the	DET
eistud-1088	70	2	new	new	ADJ
eistud-1088	70	3	role	role	NOUN
eistud-1088	70	4	of	of	ADP
eistud-1088	70	5	the	the	DET
eistud-1088	70	6	supervisory	supervisory	ADJ
eistud-1088	70	7	bodies	body	NOUN
eistud-1088	70	8	requires	require	VERB
eistud-1088	70	9	significant	significant	ADJ
eistud-1088	70	10	consistency	consistency	NOUN
eistud-1088	70	11	between	between	ADP
eistud-1088	70	12	the	the	DET
eistud-1088	70	13	knowledge	knowledge	NOUN
eistud-1088	70	14	bases	basis	NOUN
eistud-1088	70	15	with	with	ADP
eistud-1088	70	16	the	the	DET
eistud-1088	70	17	supervised	supervised	ADJ
eistud-1088	70	18	entities	entity	NOUN
eistud-1088	70	19	[	[	X
eistud-1088	70	20	carretta	carretta	ADJ
eistud-1088	70	21	,	,	PUNCT
eistud-1088	70	22	2010	2010	NUM
eistud-1088	70	23	]	]	PUNCT
eistud-1088	70	24	.	.	PUNCT
eistud-1088	71	1	the	the	DET
eistud-1088	71	2	compliance	compliance	NOUN
eistud-1088	71	3	departments	department	NOUN
eistud-1088	71	4	should	should	AUX
eistud-1088	71	5	not	not	PART
eistud-1088	71	6	enclose	enclose	VERB
eistud-1088	71	7	knowledge	knowledge	NOUN
eistud-1088	71	8	and	and	CCONJ
eistud-1088	71	9	operate	operate	VERB
eistud-1088	71	10	more	more	ADV
eistud-1088	71	11	as	as	ADP
eistud-1088	71	12	internal	internal	ADJ
eistud-1088	71	13	consultants	consultant	NOUN
eistud-1088	71	14	.	.	PUNCT
eistud-1088	72	1	holland	holland	PROPN
eistud-1088	72	2	(	(	PUNCT
eistud-1088	72	3	2010	2010	NUM
eistud-1088	72	4	)	)	PUNCT
eistud-1088	72	5	noted	note	VERB
eistud-1088	72	6	that	that	SCONJ
eistud-1088	72	7	lack	lack	NOUN
eistud-1088	72	8	of	of	ADP
eistud-1088	72	9	basic	basic	ADJ
eistud-1088	72	10	knowledge	knowledge	NOUN
eistud-1088	72	11	of	of	ADP
eistud-1088	72	12	banking	banking	NOUN
eistud-1088	72	13	risks	risk	NOUN
eistud-1088	72	14	and	and	CCONJ
eistud-1088	72	15	value	value	NOUN
eistud-1088	72	16	drivers	driver	NOUN
eistud-1088	72	17	by	by	ADP
eistud-1088	72	18	the	the	DET
eistud-1088	72	19	board	board	NOUN
eistud-1088	72	20	and	and	CCONJ
eistud-1088	72	21	senior	senior	ADJ
eistud-1088	72	22	managers	manager	NOUN
eistud-1088	72	23	were	be	AUX
eistud-1088	72	24	implicated	implicate	VERB
eistud-1088	72	25	in	in	ADP
eistud-1088	72	26	the	the	DET
eistud-1088	72	27	banking	banking	NOUN
eistud-1088	72	28	crises	crisis	NOUN
eistud-1088	72	29	.	.	PUNCT
eistud-1088	73	1	he	he	PRON
eistud-1088	73	2	concluded	conclude	VERB
eistud-1088	73	3	that	that	SCONJ
eistud-1088	73	4	in	in	ADP
eistud-1088	73	5	general	general	ADJ
eistud-1088	73	6	by	by	ADP
eistud-1088	73	7	ensuring	ensure	VERB
eistud-1088	73	8	greater	great	ADJ
eistud-1088	73	9	bank	bank	NOUN
eistud-1088	73	10	learning	learning	NOUN
eistud-1088	73	11	,	,	PUNCT
eistud-1088	73	12	knowledge	knowledge	NOUN
eistud-1088	73	13	creation	creation	NOUN
eistud-1088	73	14	,	,	PUNCT
eistud-1088	73	15	and	and	CCONJ
eistud-1088	73	16	knowledge	knowledge	NOUN
eistud-1088	73	17	use	use	NOUN
eistud-1088	73	18	,	,	PUNCT
eistud-1088	73	19	governments	government	NOUN
eistud-1088	73	20	and	and	CCONJ
eistud-1088	73	21	regulators	regulator	NOUN
eistud-1088	73	22	could	could	AUX
eistud-1088	73	23	help	help	VERB
eistud-1088	73	24	reduce	reduce	VERB
eistud-1088	73	25	individual	individual	ADJ
eistud-1088	73	26	bank	bank	NOUN
eistud-1088	73	27	risk	risk	NOUN
eistud-1088	73	28	and	and	CCONJ
eistud-1088	73	29	the	the	DET
eistud-1088	73	30	likelihood	likelihood	NOUN
eistud-1088	73	31	of	of	ADP
eistud-1088	73	32	future	future	ADJ
eistud-1088	73	33	crises	crisis	NOUN
eistud-1088	73	34	.	.	PUNCT
eistud-1088	74	1	the	the	DET
eistud-1088	74	2	same	same	ADJ
eistud-1088	74	3	time	time	NOUN
eistud-1088	74	4	he	he	PRON
eistud-1088	74	5	admitted	admit	VERB
eistud-1088	74	6	–	–	PUNCT
eistud-1088	74	7	given	give	VERB
eistud-1088	74	8	the	the	DET
eistud-1088	74	9	history	history	NOUN
eistud-1088	74	10	of	of	ADP
eistud-1088	74	11	bank	bank	PROPN
eistud-1088	74	12	learning	learning	NOUN
eistud-1088	74	13	,	,	PUNCT
eistud-1088	74	14	incentives	incentive	VERB
eistud-1088	74	15	to	to	PART
eistud-1088	74	16	learn	learn	VERB
eistud-1088	74	17	and	and	CCONJ
eistud-1088	74	18	implement	implement	VERB
eistud-1088	74	19	knowledge	knowledge	NOUN
eistud-1088	74	20	effectively	effectively	ADV
eistud-1088	74	21	are	be	AUX
eistud-1088	74	22	only	only	ADV
eistud-1088	74	23	to	to	PART
eistud-1088	74	24	arise	arise	VERB
eistud-1088	74	25	at	at	ADP
eistud-1088	74	26	the	the	DET
eistud-1088	74	27	top	top	NOUN
eistud-1088	74	28	of	of	ADP
eistud-1088	74	29	banks	bank	NOUN
eistud-1088	74	30	with	with	ADP
eistud-1088	74	31	clear	clear	ADJ
eistud-1088	74	32	regulation	regulation	NOUN
eistud-1088	74	33	and	and	CCONJ
eistud-1088	74	34	tough	tough	ADJ
eistud-1088	74	35	sanctions	sanction	NOUN
eistud-1088	74	36	.	.	PUNCT
eistud-1088	75	1	in	in	ADP
eistud-1088	75	2	latvia	latvia	PROPN
eistud-1088	75	3	like	like	ADP
eistud-1088	75	4	in	in	ADP
eistud-1088	75	5	belgium	belgium	NOUN
eistud-1088	76	1	[	[	X
eistud-1088	76	2	verhage	verhage	NOUN
eistud-1088	76	3	,	,	PUNCT
eistud-1088	76	4	2009	2009	NUM
eistud-1088	76	5	]	]	PUNCT
eistud-1088	76	6	the	the	DET
eistud-1088	76	7	certification	certification	NOUN
eistud-1088	76	8	of	of	ADP
eistud-1088	76	9	the	the	DET
eistud-1088	76	10	compliance	compliance	NOUN
eistud-1088	76	11	profession	profession	NOUN
eistud-1088	76	12	is	be	AUX
eistud-1088	76	13	still	still	ADV
eistud-1088	76	14	under	under	ADP
eistud-1088	76	15	discussion	discussion	NOUN
eistud-1088	76	16	.	.	PUNCT
eistud-1088	77	1	birindelli	birindelli	PROPN
eistud-1088	77	2	(	(	PUNCT
eistud-1088	77	3	2008	2008	NUM
eistud-1088	77	4	)	)	PUNCT
eistud-1088	77	5	noted	note	VERB
eistud-1088	77	6	highly	highly	ADV
eistud-1088	77	7	skilled	skilled	ADJ
eistud-1088	77	8	resources	resource	NOUN
eistud-1088	77	9	:	:	PUNCT
eistud-1088	77	10	competencies	competency	NOUN
eistud-1088	77	11	and	and	CCONJ
eistud-1088	77	12	experience	experience	NOUN
eistud-1088	77	13	as	as	ADP
eistud-1088	77	14	an	an	DET
eistud-1088	77	15	essential	essential	ADJ
eistud-1088	77	16	to	to	PART
eistud-1088	77	17	discharge	discharge	VERB
eistud-1088	77	18	compliance	compliance	NOUN
eistud-1088	77	19	liabilities	liability	NOUN
eistud-1088	77	20	effectively	effectively	ADV
eistud-1088	77	21	.	.	PUNCT
eistud-1088	78	1	edwards	edwards	PROPN
eistud-1088	78	2	(	(	PUNCT
eistud-1088	78	3	2006	2006	NUM
eistud-1088	78	4	)	)	PUNCT
eistud-1088	78	5	established	establish	VERB
eistud-1088	78	6	a	a	DET
eistud-1088	78	7	compliance	compliance	NOUN
eistud-1088	78	8	competence	competence	NOUN
eistud-1088	78	9	partnership	partnership	NOUN
eistud-1088	78	10	model	model	NOUN
eistud-1088	78	11	where	where	SCONJ
eistud-1088	78	12	the	the	DET
eistud-1088	78	13	regulator	regulator	NOUN
eistud-1088	78	14	and	and	CCONJ
eistud-1088	78	15	regulated	regulate	VERB
eistud-1088	78	16	need	need	NOUN
eistud-1088	78	17	to	to	PART
eistud-1088	78	18	work	work	VERB
eistud-1088	78	19	together	together	ADV
eistud-1088	78	20	in	in	ADP
eistud-1088	78	21	a	a	DET
eistud-1088	78	22	proactive	proactive	ADJ
eistud-1088	78	23	partnership	partnership	NOUN
eistud-1088	78	24	in	in	ADP
eistud-1088	78	25	order	order	NOUN
eistud-1088	78	26	to	to	PART
eistud-1088	78	27	achieve	achieve	VERB
eistud-1088	78	28	compliance	compliance	NOUN
eistud-1088	78	29	competent	competent	ADJ
eistud-1088	78	30	organization	organization	NOUN
eistud-1088	78	31	.	.	PUNCT
eistud-1088	79	1	the	the	DET
eistud-1088	79	2	above	above	ADJ
eistud-1088	79	3	discussion	discussion	NOUN
eistud-1088	79	4	leads	lead	VERB
eistud-1088	79	5	to	to	PART
eistud-1088	79	6	think	think	VERB
eistud-1088	79	7	about	about	ADP
eistud-1088	79	8	further	further	ADJ
eistud-1088	79	9	research	research	NOUN
eistud-1088	79	10	and	and	CCONJ
eistud-1088	79	11	discussion	discussion	NOUN
eistud-1088	79	12	regarding	regard	VERB
eistud-1088	79	13	education	education	NOUN
eistud-1088	79	14	,	,	PUNCT
eistud-1088	79	15	professional	professional	ADJ
eistud-1088	79	16	examination	examination	NOUN
eistud-1088	79	17	and	and	CCONJ
eistud-1088	79	18	certification	certification	NOUN
eistud-1088	79	19	for	for	ADP
eistud-1088	79	20	the	the	DET
eistud-1088	79	21	compliance	compliance	NOUN
eistud-1088	79	22	specialists	specialist	NOUN
eistud-1088	79	23	in	in	ADP
eistud-1088	79	24	latvia	latvia	PROPN
eistud-1088	79	25	.	.	PUNCT
eistud-1088	80	1	this	this	DET
eistud-1088	80	2	problem	problem	NOUN
eistud-1088	80	3	will	will	AUX
eistud-1088	80	4	be	be	AUX
eistud-1088	80	5	observed	observe	VERB
eistud-1088	80	6	and	and	CCONJ
eistud-1088	80	7	evaluated	evaluate	VERB
eistud-1088	80	8	by	by	ADP
eistud-1088	80	9	the	the	DET
eistud-1088	80	10	author	author	NOUN
eistud-1088	80	11	in	in	ADP
eistud-1088	80	12	the	the	DET
eistud-1088	80	13	next	next	ADJ
eistud-1088	80	14	paper	paper	NOUN
eistud-1088	80	15	.	.	PUNCT
eistud-1088	81	1	theoretical	theoretical	ADJ
eistud-1088	81	2	core	core	NOUN
eistud-1088	81	3	knowledge	knowledge	NOUN
eistud-1088	81	4	for	for	ADP
eistud-1088	81	5	compliance	compliance	NOUN
eistud-1088	81	6	is	be	AUX
eistud-1088	81	7	recommended	recommend	VERB
eistud-1088	81	8	by	by	ADP
eistud-1088	81	9	national	national	ADJ
eistud-1088	81	10	occupational	occupational	ADJ
eistud-1088	81	11	standards	standard	NOUN
eistud-1088	81	12	of	of	ADP
eistud-1088	81	13	uk	uk	PROPN
eistud-1088	82	1	[	[	X
eistud-1088	82	2	fsp	fsp	PROPN
eistud-1088	82	3	,	,	PUNCT
eistud-1088	82	4	2011	2011	NUM
eistud-1088	82	5	]	]	PUNCT
eistud-1088	82	6	to	to	PART
eistud-1088	82	7	structure	structure	VERB
eistud-1088	82	8	around	around	ADP
eistud-1088	82	9	three	three	NUM
eistud-1088	82	10	areas	area	NOUN
eistud-1088	82	11	:	:	PUNCT
eistud-1088	82	12	financial	financial	ADJ
eistud-1088	82	13	market	market	NOUN
eistud-1088	82	14	and	and	CCONJ
eistud-1088	82	15	the	the	DET
eistud-1088	82	16	financial	financial	ADJ
eistud-1088	82	17	services	service	NOUN
eistud-1088	82	18	industry	industry	NOUN
eistud-1088	82	19	,	,	PUNCT
eistud-1088	82	20	the	the	DET
eistud-1088	82	21	regulatory	regulatory	ADJ
eistud-1088	82	22	environment	environment	NOUN
eistud-1088	82	23	and	and	CCONJ
eistud-1088	82	24	compliance	compliance	NOUN
eistud-1088	82	25	role	role	NOUN
eistud-1088	82	26	.	.	PUNCT
eistud-1088	83	1	issn	issn	PROPN
eistud-1088	83	2	1822–8402	1822–8402	NUM
eistud-1088	83	3	european	european	ADJ
eistud-1088	83	4	integration	integration	NOUN
eistud-1088	83	5	studies	study	NOUN
eistud-1088	83	6	.	.	PUNCT
eistud-1088	84	1	2011	2011	NUM
eistud-1088	84	2	.	.	PUNCT
eistud-1088	85	1	no	no	DET
eistud-1088	85	2	5	5	NUM
eistud-1088	85	3	134	134	NUM
eistud-1088	85	4	financial	financial	ADJ
eistud-1088	85	5	market	market	NOUN
eistud-1088	85	6	and	and	CCONJ
eistud-1088	85	7	financial	financial	ADJ
eistud-1088	85	8	services	service	NOUN
eistud-1088	85	9	in	in	ADP
eistud-1088	85	10	literature	literature	NOUN
eistud-1088	85	11	on	on	ADP
eistud-1088	85	12	compliance	compliance	NOUN
eistud-1088	85	13	[	[	X
eistud-1088	85	14	callioni	callioni	NOUN
eistud-1088	85	15	,	,	PUNCT
eistud-1088	85	16	2008	2008	NUM
eistud-1088	85	17	]	]	PUNCT
eistud-1088	86	1	market	market	NOUN
eistud-1088	86	2	is	be	AUX
eistud-1088	86	3	defined	define	VERB
eistud-1088	86	4	as	as	ADP
eistud-1088	86	5	a	a	DET
eistud-1088	86	6	place	place	NOUN
eistud-1088	86	7	,	,	PUNCT
eistud-1088	86	8	physical	physical	ADJ
eistud-1088	86	9	or	or	CCONJ
eistud-1088	86	10	virtual	virtual	ADJ
eistud-1088	86	11	or	or	CCONJ
eistud-1088	86	12	both	both	PRON
eistud-1088	86	13	,	,	PUNCT
eistud-1088	86	14	where	where	SCONJ
eistud-1088	86	15	sellers	seller	NOUN
eistud-1088	86	16	interact	interact	VERB
eistud-1088	86	17	with	with	ADP
eistud-1088	86	18	buyers	buyer	NOUN
eistud-1088	86	19	.	.	PUNCT
eistud-1088	87	1	market	market	NOUN
eistud-1088	87	2	is	be	AUX
eistud-1088	87	3	a	a	DET
eistud-1088	87	4	place	place	NOUN
eistud-1088	87	5	where	where	SCONJ
eistud-1088	87	6	value	value	NOUN
eistud-1088	87	7	exchanged	exchange	VERB
eistud-1088	87	8	,	,	PUNCT
eistud-1088	87	9	allowing	allow	VERB
eistud-1088	87	10	for	for	ADP
eistud-1088	87	11	non	non	ADJ
eistud-1088	87	12	-	-	ADJ
eistud-1088	87	13	financial	financial	ADJ
eistud-1088	87	14	transactions	transaction	NOUN
eistud-1088	87	15	of	of	ADP
eistud-1088	87	16	value	value	NOUN
eistud-1088	87	17	.	.	PUNCT
eistud-1088	88	1	a	a	DET
eistud-1088	88	2	market	market	NOUN
eistud-1088	88	3	is	be	AUX
eistud-1088	88	4	a	a	DET
eistud-1088	88	5	complex	complex	ADJ
eistud-1088	88	6	system	system	NOUN
eistud-1088	88	7	.	.	PUNCT
eistud-1088	89	1	by	by	ADP
eistud-1088	89	2	complex	complex	ADJ
eistud-1088	89	3	means	mean	VERB
eistud-1088	89	4	a	a	DET
eistud-1088	89	5	system	system	NOUN
eistud-1088	89	6	with	with	ADP
eistud-1088	89	7	many	many	ADJ
eistud-1088	89	8	interconnected	interconnected	ADJ
eistud-1088	89	9	parts	part	NOUN
eistud-1088	89	10	,	,	PUNCT
eistud-1088	89	11	with	with	ADP
eistud-1088	89	12	the	the	DET
eistud-1088	89	13	whole	whole	NOUN
eistud-1088	89	14	amounting	amount	VERB
eistud-1088	89	15	to	to	ADP
eistud-1088	89	16	more	more	ADJ
eistud-1088	89	17	than	than	ADP
eistud-1088	89	18	the	the	DET
eistud-1088	89	19	mere	mere	ADJ
eistud-1088	89	20	sum	sum	NOUN
eistud-1088	89	21	of	of	ADP
eistud-1088	89	22	the	the	DET
eistud-1088	89	23	parts	part	NOUN
eistud-1088	89	24	.	.	PUNCT
eistud-1088	90	1	market	market	NOUN
eistud-1088	90	2	is	be	AUX
eistud-1088	90	3	also	also	ADV
eistud-1088	90	4	complicated	complicated	ADJ
eistud-1088	90	5	.	.	PUNCT
eistud-1088	91	1	by	by	ADP
eistud-1088	91	2	complicated	complicated	ADJ
eistud-1088	91	3	is	be	AUX
eistud-1088	91	4	meant	mean	VERB
eistud-1088	91	5	that	that	SCONJ
eistud-1088	91	6	we	we	PRON
eistud-1088	91	7	are	be	AUX
eistud-1088	91	8	dealing	deal	VERB
eistud-1088	91	9	with	with	ADP
eistud-1088	91	10	something	something	PRON
eistud-1088	91	11	that	that	PRON
eistud-1088	91	12	is	be	AUX
eistud-1088	91	13	difficult	difficult	ADJ
eistud-1088	91	14	to	to	PART
eistud-1088	91	15	understand	understand	VERB
eistud-1088	91	16	.	.	PUNCT
eistud-1088	92	1	generally	generally	ADV
eistud-1088	92	2	,	,	PUNCT
eistud-1088	92	3	markets	market	NOUN
eistud-1088	92	4	are	be	AUX
eistud-1088	92	5	both	both	ADV
eistud-1088	92	6	complex	complex	ADJ
eistud-1088	92	7	and	and	CCONJ
eistud-1088	92	8	complicated	complicated	ADJ
eistud-1088	92	9	,	,	PUNCT
eistud-1088	92	10	and	and	CCONJ
eistud-1088	92	11	therefore	therefore	ADV
eistud-1088	92	12	the	the	DET
eistud-1088	92	13	understanding	understanding	NOUN
eistud-1088	92	14	their	their	PRON
eistud-1088	92	15	complexity	complexity	NOUN
eistud-1088	92	16	may	may	AUX
eistud-1088	92	17	help	help	VERB
eistud-1088	92	18	to	to	PART
eistud-1088	92	19	reduce	reduce	VERB
eistud-1088	92	20	the	the	DET
eistud-1088	92	21	level	level	NOUN
eistud-1088	92	22	of	of	ADP
eistud-1088	92	23	complication	complication	NOUN
eistud-1088	92	24	.	.	PUNCT
eistud-1088	93	1	the	the	DET
eistud-1088	93	2	creation	creation	NOUN
eistud-1088	93	3	of	of	ADP
eistud-1088	93	4	competitive	competitive	ADJ
eistud-1088	93	5	and	and	CCONJ
eistud-1088	93	6	efficient	efficient	ADJ
eistud-1088	93	7	european	european	ADJ
eistud-1088	93	8	financial	financial	ADJ
eistud-1088	93	9	market	market	NOUN
eistud-1088	93	10	started	start	VERB
eistud-1088	93	11	in	in	ADP
eistud-1088	93	12	1998	1998	NUM
eistud-1088	93	13	when	when	SCONJ
eistud-1088	93	14	european	european	PROPN
eistud-1088	93	15	council	council	PROPN
eistud-1088	93	16	set	set	VERB
eistud-1088	93	17	the	the	DET
eistud-1088	93	18	financial	financial	ADJ
eistud-1088	93	19	services	service	NOUN
eistud-1088	93	20	action	action	NOUN
eistud-1088	93	21	plan	plan	NOUN
eistud-1088	93	22	(	(	PUNCT
eistud-1088	93	23	fsap	fsap	PROPN
eistud-1088	93	24	)	)	PUNCT
eistud-1088	93	25	and	and	CCONJ
eistud-1088	93	26	since	since	SCONJ
eistud-1088	93	27	that	that	DET
eistud-1088	93	28	plan	plan	NOUN
eistud-1088	93	29	was	be	AUX
eistud-1088	93	30	being	be	AUX
eistud-1088	93	31	a	a	DET
eistud-1088	93	32	top	top	ADJ
eistud-1088	93	33	priority	priority	NOUN
eistud-1088	93	34	of	of	ADP
eistud-1088	93	35	eu	eu	PROPN
eistud-1088	93	36	policy	policy	NOUN
eistud-1088	93	37	[	[	X
eistud-1088	93	38	milles	mille	NOUN
eistud-1088	93	39	,	,	PUNCT
eistud-1088	93	40	2008	2008	NUM
eistud-1088	93	41	]	]	PUNCT
eistud-1088	93	42	,	,	PUNCT
eistud-1088	94	1	[	[	X
eistud-1088	94	2	callioni	callioni	X
eistud-1088	94	3	,	,	PUNCT
eistud-1088	94	4	2008	2008	NUM
eistud-1088	94	5	]	]	PUNCT
eistud-1088	94	6	.	.	PUNCT
eistud-1088	95	1	this	this	PRON
eistud-1088	95	2	has	have	AUX
eistud-1088	95	3	been	be	AUX
eistud-1088	95	4	confirmed	confirm	VERB
eistud-1088	95	5	by	by	ADP
eistud-1088	95	6	eu	eu	PROPN
eistud-1088	95	7	report	report	NOUN
eistud-1088	95	8	released	release	VERB
eistud-1088	95	9	in	in	ADP
eistud-1088	95	10	may	may	PROPN
eistud-1088	95	11	2010	2010	NUM
eistud-1088	95	12	[	[	X
eistud-1088	95	13	monti	monti	NOUN
eistud-1088	95	14	,	,	PUNCT
eistud-1088	95	15	2010	2010	NUM
eistud-1088	95	16	]	]	PUNCT
eistud-1088	95	17	that	that	PRON
eistud-1088	95	18	is	be	AUX
eistud-1088	95	19	urging	urge	VERB
eistud-1088	95	20	parliament	parliament	NOUN
eistud-1088	95	21	and	and	CCONJ
eistud-1088	95	22	council	council	PROPN
eistud-1088	95	23	to	to	PART
eistud-1088	95	24	give	give	VERB
eistud-1088	95	25	a	a	DET
eistud-1088	95	26	central	central	ADJ
eistud-1088	95	27	consideration	consideration	NOUN
eistud-1088	95	28	to	to	ADP
eistud-1088	95	29	the	the	DET
eistud-1088	95	30	single	single	ADJ
eistud-1088	95	31	market	market	NOUN
eistud-1088	95	32	for	for	ADP
eistud-1088	95	33	financial	financial	ADJ
eistud-1088	95	34	services	service	NOUN
eistud-1088	95	35	.	.	PUNCT
eistud-1088	96	1	any	any	DET
eistud-1088	96	2	complex	complex	ADJ
eistud-1088	96	3	system	system	NOUN
eistud-1088	96	4	requires	require	VERB
eistud-1088	96	5	operating	operate	VERB
eistud-1088	96	6	rules	rule	NOUN
eistud-1088	96	7	[	[	X
eistud-1088	96	8	callioni	callioni	NOUN
eistud-1088	96	9	,	,	PUNCT
eistud-1088	96	10	2008	2008	NUM
eistud-1088	96	11	]	]	PUNCT
eistud-1088	96	12	.	.	PUNCT
eistud-1088	97	1	the	the	DET
eistud-1088	97	2	single	single	ADJ
eistud-1088	97	3	market	market	NOUN
eistud-1088	97	4	is	be	AUX
eistud-1088	97	5	a	a	DET
eistud-1088	97	6	construct	construct	NOUN
eistud-1088	97	7	based	base	VERB
eistud-1088	97	8	on	on	ADP
eistud-1088	97	9	law	law	NOUN
eistud-1088	97	10	[	[	X
eistud-1088	97	11	monti	monti	NOUN
eistud-1088	97	12	,	,	PUNCT
eistud-1088	97	13	2010	2010	NUM
eistud-1088	97	14	]	]	PUNCT
eistud-1088	97	15	.	.	PUNCT
eistud-1088	98	1	thus	thus	ADV
eistud-1088	98	2	,	,	PUNCT
eistud-1088	98	3	it	it	PRON
eistud-1088	98	4	is	be	AUX
eistud-1088	98	5	crucial	crucial	ADJ
eistud-1088	98	6	that	that	SCONJ
eistud-1088	98	7	member	member	NOUN
eistud-1088	98	8	states	state	NOUN
eistud-1088	98	9	take	take	VERB
eistud-1088	98	10	seriously	seriously	ADV
eistud-1088	98	11	their	their	PRON
eistud-1088	98	12	obligation	obligation	NOUN
eistud-1088	98	13	to	to	PART
eistud-1088	98	14	timely	timely	ADV
eistud-1088	98	15	transpose	transpose	NOUN
eistud-1088	98	16	and	and	CCONJ
eistud-1088	98	17	correctly	correctly	ADV
eistud-1088	98	18	apply	apply	VERB
eistud-1088	98	19	the	the	DET
eistud-1088	98	20	rules	rule	NOUN
eistud-1088	98	21	agreed	agree	VERB
eistud-1088	98	22	to	to	ADP
eistud-1088	98	23	[	[	X
eistud-1088	98	24	monti	monti	PROPN
eistud-1088	98	25	,	,	PUNCT
eistud-1088	98	26	2010	2010	NUM
eistud-1088	98	27	]	]	PUNCT
eistud-1088	98	28	.	.	PUNCT
eistud-1088	99	1	latvia	latvia	PROPN
eistud-1088	99	2	’s	’s	PART
eistud-1088	99	3	financial	financial	ADJ
eistud-1088	99	4	market	market	NOUN
eistud-1088	99	5	latvia	latvia	PROPN
eistud-1088	99	6	is	be	AUX
eistud-1088	99	7	among	among	ADP
eistud-1088	99	8	those	those	DET
eistud-1088	99	9	countries	country	NOUN
eistud-1088	99	10	that	that	PRON
eistud-1088	99	11	have	have	AUX
eistud-1088	99	12	developed	develop	VERB
eistud-1088	99	13	financial	financial	ADJ
eistud-1088	99	14	sector	sector	NOUN
eistud-1088	99	15	as	as	ADP
eistud-1088	99	16	a	a	DET
eistud-1088	99	17	bank	bank	NOUN
eistud-1088	99	18	based	base	VERB
eistud-1088	99	19	model	model	NOUN
eistud-1088	99	20	[	[	X
eistud-1088	99	21	clarkson	clarkson	PROPN
eistud-1088	99	22	,	,	PUNCT
eistud-1088	99	23	2009	2009	NUM
eistud-1088	99	24	]	]	PUNCT
eistud-1088	99	25	.	.	PUNCT
eistud-1088	100	1	there	there	PRON
eistud-1088	100	2	are	be	VERB
eistud-1088	100	3	21	21	NUM
eistud-1088	100	4	banks	bank	NOUN
eistud-1088	100	5	and	and	CCONJ
eistud-1088	100	6	10	10	NUM
eistud-1088	100	7	branches	branch	NOUN
eistud-1088	100	8	of	of	ADP
eistud-1088	100	9	foreign	foreign	ADJ
eistud-1088	100	10	banks	bank	NOUN
eistud-1088	100	11	(	(	PUNCT
eistud-1088	100	12	alcb	alcb	NOUN
eistud-1088	100	13	)	)	PUNCT
eistud-1088	100	14	.	.	PUNCT
eistud-1088	101	1	all	all	DET
eistud-1088	101	2	banks	bank	NOUN
eistud-1088	101	3	are	be	AUX
eistud-1088	101	4	accepting	accept	VERB
eistud-1088	101	5	deposits	deposit	NOUN
eistud-1088	101	6	,	,	PUNCT
eistud-1088	101	7	grants	grant	NOUN
eistud-1088	101	8	commercial	commercial	ADJ
eistud-1088	101	9	and	and	CCONJ
eistud-1088	101	10	industrial	industrial	ADJ
eistud-1088	101	11	loans	loan	NOUN
eistud-1088	101	12	and	and	CCONJ
eistud-1088	101	13	provides	provide	VERB
eistud-1088	101	14	other	other	ADJ
eistud-1088	101	15	banking	banking	NOUN
eistud-1088	101	16	services	service	NOUN
eistud-1088	101	17	for	for	ADP
eistud-1088	101	18	the	the	DET
eistud-1088	101	19	public	public	NOUN
eistud-1088	101	20	.	.	PUNCT
eistud-1088	102	1	they	they	PRON
eistud-1088	102	2	are	be	AUX
eistud-1088	102	3	called	call	VERB
eistud-1088	102	4	commercial	commercial	ADJ
eistud-1088	102	5	or	or	CCONJ
eistud-1088	102	6	full	full	ADJ
eistud-1088	102	7	-	-	PUNCT
eistud-1088	102	8	service	service	NOUN
eistud-1088	102	9	banks	bank	NOUN
eistud-1088	102	10	.	.	PUNCT
eistud-1088	103	1	the	the	DET
eistud-1088	103	2	bank	bank	NOUN
eistud-1088	103	3	assets	asset	NOUN
eistud-1088	103	4	form	form	VERB
eistud-1088	103	5	the	the	DET
eistud-1088	103	6	greatest	great	ADJ
eistud-1088	103	7	share	share	NOUN
eistud-1088	103	8	of	of	ADP
eistud-1088	103	9	the	the	DET
eistud-1088	103	10	total	total	ADJ
eistud-1088	103	11	assets	asset	NOUN
eistud-1088	103	12	in	in	ADP
eistud-1088	103	13	the	the	DET
eistud-1088	103	14	financial	financial	ADJ
eistud-1088	103	15	and	and	CCONJ
eistud-1088	103	16	capital	capital	NOUN
eistud-1088	103	17	market	market	NOUN
eistud-1088	103	18	of	of	ADP
eistud-1088	103	19	latvia	latvia	PROPN
eistud-1088	103	20	[	[	X
eistud-1088	103	21	ministry	ministry	PROPN
eistud-1088	103	22	of	of	ADP
eistud-1088	103	23	economics	economic	NOUN
eistud-1088	103	24	,	,	PUNCT
eistud-1088	103	25	2010	2010	NUM
eistud-1088	103	26	]	]	PUNCT
eistud-1088	103	27	.	.	PUNCT
eistud-1088	104	1	at	at	ADP
eistud-1088	104	2	the	the	DET
eistud-1088	104	3	end	end	NOUN
eistud-1088	104	4	of	of	ADP
eistud-1088	104	5	the	the	DET
eistud-1088	104	6	1st	1st	ADJ
eistud-1088	104	7	quarter	quarter	NOUN
eistud-1088	104	8	of	of	ADP
eistud-1088	104	9	2010	2010	NUM
eistud-1088	104	10	,	,	PUNCT
eistud-1088	104	11	the	the	DET
eistud-1088	104	12	total	total	ADJ
eistud-1088	104	13	amount	amount	NOUN
eistud-1088	104	14	of	of	ADP
eistud-1088	104	15	the	the	DET
eistud-1088	104	16	bank	bank	NOUN
eistud-1088	104	17	assets	asset	NOUN
eistud-1088	104	18	reached	reach	VERB
eistud-1088	104	19	lvl	lvl	NOUN
eistud-1088	104	20	21.5	21.5	NUM
eistud-1088	104	21	or	or	CCONJ
eistud-1088	104	22	eur	eur	NOUN
eistud-1088	104	23	30.5	30.5	NUM
eistud-1088	104	24	billion	billion	NUM
eistud-1088	104	25	and	and	CCONJ
eistud-1088	104	26	account	account	VERB
eistud-1088	104	27	for	for	ADP
eistud-1088	104	28	over	over	ADP
eistud-1088	104	29	98	98	NUM
eistud-1088	104	30	%	%	NOUN
eistud-1088	104	31	of	of	ADP
eistud-1088	104	32	all	all	DET
eistud-1088	104	33	financial	financial	ADJ
eistud-1088	104	34	assets	asset	NOUN
eistud-1088	104	35	.	.	PUNCT
eistud-1088	105	1	three	three	NUM
eistud-1088	105	2	banks	bank	NOUN
eistud-1088	105	3	are	be	AUX
eistud-1088	105	4	owned	own	VERB
eistud-1088	105	5	by	by	ADP
eistud-1088	105	6	large	large	ADJ
eistud-1088	105	7	nordic	nordic	ADJ
eistud-1088	105	8	and	and	CCONJ
eistud-1088	105	9	german	german	ADJ
eistud-1088	105	10	banking	banking	NOUN
eistud-1088	105	11	groups	group	NOUN
eistud-1088	105	12	(	(	PUNCT
eistud-1088	105	13	seb	seb	PROPN
eistud-1088	105	14	,	,	PUNCT
eistud-1088	105	15	swedbank	swedbank	NOUN
eistud-1088	105	16	,	,	PUNCT
eistud-1088	105	17	dnb	dnb	PROPN
eistud-1088	105	18	nord	nord	PROPN
eistud-1088	105	19	)	)	PUNCT
eistud-1088	105	20	,	,	PUNCT
eistud-1088	105	21	representing	represent	VERB
eistud-1088	105	22	45	45	NUM
eistud-1088	105	23	%	%	NOUN
eistud-1088	105	24	of	of	ADP
eistud-1088	105	25	the	the	DET
eistud-1088	105	26	total	total	ADJ
eistud-1088	105	27	banking	banking	NOUN
eistud-1088	105	28	system	system	NOUN
eistud-1088	105	29	assets	asset	NOUN
eistud-1088	105	30	.	.	PUNCT
eistud-1088	106	1	two	two	NUM
eistud-1088	106	2	banks	bank	NOUN
eistud-1088	106	3	owned	own	VERB
eistud-1088	106	4	by	by	ADP
eistud-1088	106	5	top	top	ADJ
eistud-1088	106	6	-	-	PUNCT
eistud-1088	106	7	tier	tier	NOUN
eistud-1088	106	8	banks	bank	NOUN
eistud-1088	106	9	from	from	ADP
eistud-1088	106	10	the	the	DET
eistud-1088	106	11	russian	russian	PROPN
eistud-1088	106	12	federation	federation	PROPN
eistud-1088	106	13	(	(	PUNCT
eistud-1088	106	14	mdm	mdm	PROPN
eistud-1088	106	15	bank	bank	PROPN
eistud-1088	106	16	,	,	PUNCT
eistud-1088	106	17	the	the	DET
eistud-1088	106	18	bank	bank	NOUN
eistud-1088	106	19	of	of	ADP
eistud-1088	106	20	moscow	moscow	PROPN
eistud-1088	106	21	)	)	PUNCT
eistud-1088	106	22	and	and	CCONJ
eistud-1088	106	23	two	two	NUM
eistud-1088	106	24	by	by	ADP
eistud-1088	106	25	large	large	ADJ
eistud-1088	106	26	ukrainian	ukrainian	ADJ
eistud-1088	106	27	private	private	ADJ
eistud-1088	106	28	banks	bank	NOUN
eistud-1088	106	29	(	(	PUNCT
eistud-1088	106	30	privatbank	privatbank	NOUN
eistud-1088	106	31	,	,	PUNCT
eistud-1088	106	32	pivdenny	pivdenny	NOUN
eistud-1088	106	33	)	)	PUNCT
eistud-1088	106	34	,	,	PUNCT
eistud-1088	106	35	and	and	CCONJ
eistud-1088	106	36	altogether	altogether	ADV
eistud-1088	106	37	they	they	PRON
eistud-1088	106	38	account	account	VERB
eistud-1088	106	39	for	for	ADP
eistud-1088	106	40	3	3	NUM
eistud-1088	106	41	%	%	NOUN
eistud-1088	106	42	of	of	ADP
eistud-1088	106	43	the	the	DET
eistud-1088	106	44	total	total	ADJ
eistud-1088	106	45	banking	banking	NOUN
eistud-1088	106	46	system	system	NOUN
eistud-1088	106	47	assets	asset	NOUN
eistud-1088	106	48	.	.	PUNCT
eistud-1088	107	1	there	there	PRON
eistud-1088	107	2	is	be	VERB
eistud-1088	107	3	one	one	NUM
eistud-1088	107	4	bank	bank	NOUN
eistud-1088	107	5	owned	own	VERB
eistud-1088	107	6	by	by	ADP
eistud-1088	107	7	austrian	austrian	ADJ
eistud-1088	107	8	banking	banking	NOUN
eistud-1088	107	9	group	group	NOUN
eistud-1088	107	10	(	(	PUNCT
eistud-1088	107	11	unicredit	unicredit	PROPN
eistud-1088	107	12	bank	bank	NOUN
eistud-1088	107	13	)	)	PUNCT
eistud-1088	107	14	accounting	account	VERB
eistud-1088	107	15	for	for	ADP
eistud-1088	107	16	3.5	3.5	NUM
eistud-1088	107	17	%	%	NOUN
eistud-1088	107	18	of	of	ADP
eistud-1088	107	19	the	the	DET
eistud-1088	107	20	total	total	ADJ
eistud-1088	107	21	banking	banking	NOUN
eistud-1088	107	22	system	system	NOUN
eistud-1088	107	23	assets	asset	NOUN
eistud-1088	107	24	.	.	PUNCT
eistud-1088	108	1	one	one	NUM
eistud-1088	108	2	bank	bank	NOUN
eistud-1088	108	3	is	be	AUX
eistud-1088	108	4	a	a	DET
eistud-1088	108	5	100	100	NUM
eistud-1088	108	6	%	%	NOUN
eistud-1088	108	7	state	state	NOUN
eistud-1088	108	8	-	-	PUNCT
eistud-1088	108	9	owned	own	VERB
eistud-1088	108	10	(	(	PUNCT
eistud-1088	108	11	lhzb	lhzb	NOUN
eistud-1088	108	12	)	)	PUNCT
eistud-1088	108	13	,	,	PUNCT
eistud-1088	108	14	accounting	account	VERB
eistud-1088	108	15	for	for	ADP
eistud-1088	108	16	4.5	4.5	NUM
eistud-1088	108	17	%	%	NOUN
eistud-1088	108	18	of	of	ADP
eistud-1088	108	19	the	the	DET
eistud-1088	108	20	total	total	ADJ
eistud-1088	108	21	banking	banking	NOUN
eistud-1088	108	22	system	system	NOUN
eistud-1088	108	23	assets	asset	NOUN
eistud-1088	108	24	.	.	PUNCT
eistud-1088	109	1	the	the	DET
eistud-1088	109	2	number	number	NOUN
eistud-1088	109	3	of	of	ADP
eistud-1088	109	4	clients	client	NOUN
eistud-1088	109	5	who	who	PRON
eistud-1088	109	6	have	have	AUX
eistud-1088	109	7	opened	open	VERB
eistud-1088	109	8	accounts	account	NOUN
eistud-1088	109	9	at	at	ADP
eistud-1088	109	10	banks	bank	NOUN
eistud-1088	109	11	in	in	ADP
eistud-1088	109	12	latvia	latvia	PROPN
eistud-1088	109	13	were	be	AUX
eistud-1088	109	14	2.9	2.9	NUM
eistud-1088	109	15	million	million	NUM
eistud-1088	109	16	as	as	ADP
eistud-1088	109	17	of	of	ADP
eistud-1088	109	18	december	december	PROPN
eistud-1088	109	19	2009	2009	NUM
eistud-1088	109	20	(	(	PUNCT
eistud-1088	109	21	fktk	fktk	NOUN
eistud-1088	109	22	)	)	PUNCT
eistud-1088	109	23	.	.	PUNCT
eistud-1088	110	1	on	on	ADP
eistud-1088	110	2	june	june	PROPN
eistud-1088	110	3	1st	1st	PROPN
eistud-1088	110	4	2010	2010	NUM
eistud-1088	110	5	,	,	PUNCT
eistud-1088	110	6	the	the	DET
eistud-1088	110	7	market	market	NOUN
eistud-1088	110	8	capitalization	capitalization	NOUN
eistud-1088	110	9	was	be	AUX
eistud-1088	110	10	lvl	lvl	ADJ
eistud-1088	110	11	600.4	600.4	NUM
eistud-1088	110	12	million	million	NUM
eistud-1088	110	13	and	and	CCONJ
eistud-1088	110	14	the	the	DET
eistud-1088	110	15	total	total	ADJ
eistud-1088	110	16	amount	amount	NOUN
eistud-1088	110	17	of	of	ADP
eistud-1088	110	18	gross	gross	ADJ
eistud-1088	110	19	premiums	premium	NOUN
eistud-1088	110	20	signed	sign	VERB
eistud-1088	110	21	in	in	ADP
eistud-1088	110	22	the	the	DET
eistud-1088	110	23	insurance	insurance	NOUN
eistud-1088	110	24	market	market	NOUN
eistud-1088	110	25	reached	reach	VERB
eistud-1088	110	26	lvl	lvl	ADP
eistud-1088	110	27	223.3	223.3	NUM
eistud-1088	110	28	million	million	NUM
eistud-1088	110	29	of	of	ADP
eistud-1088	110	30	2009.the	2009.the	DET
eistud-1088	110	31	research	research	NOUN
eistud-1088	110	32	confirms	confirm	VERB
eistud-1088	110	33	that	that	SCONJ
eistud-1088	110	34	capital	capital	NOUN
eistud-1088	110	35	markets	market	NOUN
eistud-1088	110	36	in	in	ADP
eistud-1088	110	37	all	all	DET
eistud-1088	110	38	cee	cee	NOUN
eistud-1088	110	39	countries	country	NOUN
eistud-1088	110	40	including	include	VERB
eistud-1088	110	41	latvia	latvia	PROPN
eistud-1088	110	42	are	be	AUX
eistud-1088	110	43	more	more	ADV
eistud-1088	110	44	underdeveloped	underdeveloped	ADJ
eistud-1088	110	45	than	than	ADP
eistud-1088	110	46	banking	banking	NOUN
eistud-1088	110	47	sectors	sector	NOUN
eistud-1088	111	1	[	[	X
eistud-1088	111	2	dinger	dinger	PROPN
eistud-1088	111	3	,	,	PUNCT
eistud-1088	111	4	hagen	hagen	PROPN
eistud-1088	111	5	,	,	PUNCT
eistud-1088	111	6	2009	2009	NUM
eistud-1088	111	7	]	]	PUNCT
eistud-1088	111	8	.	.	PUNCT
eistud-1088	112	1	various	various	ADJ
eistud-1088	112	2	international	international	ADJ
eistud-1088	112	3	institutions	institution	NOUN
eistud-1088	112	4	[	[	X
eistud-1088	112	5	us	us	PROPN
eistud-1088	112	6	department	department	PROPN
eistud-1088	112	7	of	of	ADP
eistud-1088	112	8	state	state	PROPN
eistud-1088	112	9	,	,	PUNCT
eistud-1088	112	10	2010	2010	NUM
eistud-1088	112	11	,	,	PUNCT
eistud-1088	112	12	international	international	ADJ
eistud-1088	112	13	monetary	monetary	ADJ
eistud-1088	112	14	fund	fund	NOUN
eistud-1088	112	15	,	,	PUNCT
eistud-1088	112	16	2007	2007	NUM
eistud-1088	112	17	]	]	PUNCT
eistud-1088	112	18	are	be	AUX
eistud-1088	112	19	noting	note	VERB
eistud-1088	112	20	the	the	DET
eistud-1088	112	21	importance	importance	NOUN
eistud-1088	112	22	of	of	ADP
eistud-1088	112	23	banking	banking	NOUN
eistud-1088	112	24	sector	sector	NOUN
eistud-1088	112	25	by	by	ADP
eistud-1088	112	26	recognizing	recognize	VERB
eistud-1088	112	27	latvia	latvia	PROPN
eistud-1088	112	28	as	as	ADP
eistud-1088	112	29	a	a	DET
eistud-1088	112	30	growing	grow	VERB
eistud-1088	112	31	regional	regional	ADJ
eistud-1088	112	32	financial	financial	ADJ
eistud-1088	112	33	centre	centre	NOUN
eistud-1088	112	34	with	with	ADP
eistud-1088	112	35	sizeable	sizeable	ADJ
eistud-1088	112	36	non	non	ADJ
eistud-1088	112	37	-	-	ADJ
eistud-1088	112	38	resident	resident	ADJ
eistud-1088	112	39	deposit	deposit	NOUN
eistud-1088	112	40	base	base	NOUN
eistud-1088	112	41	.	.	PUNCT
eistud-1088	113	1	the	the	DET
eistud-1088	113	2	figure	figure	NOUN
eistud-1088	113	3	1	1	NUM
eistud-1088	113	4	provides	provide	VERB
eistud-1088	113	5	comparison	comparison	NOUN
eistud-1088	113	6	with	with	ADP
eistud-1088	113	7	neighbouring	neighbouring	ADJ
eistud-1088	113	8	countries	country	NOUN
eistud-1088	113	9	.	.	PUNCT
eistud-1088	114	1	latvia	latvia	PROPN
eistud-1088	114	2	is	be	AUX
eistud-1088	114	3	a	a	DET
eistud-1088	114	4	regional	regional	ADJ
eistud-1088	114	5	financial	financial	ADJ
eistud-1088	114	6	centre	centre	NOUN
eistud-1088	114	7	of	of	ADP
eistud-1088	114	8	some	some	DET
eistud-1088	114	9	significance	significance	NOUN
eistud-1088	114	10	and	and	CCONJ
eistud-1088	114	11	acts	act	NOUN
eistud-1088	114	12	as	as	ADP
eistud-1088	114	13	an	an	DET
eistud-1088	114	14	important	important	ADJ
eistud-1088	114	15	trade	trade	NOUN
eistud-1088	114	16	and	and	CCONJ
eistud-1088	114	17	financial	financial	ADJ
eistud-1088	114	18	gateway	gateway	NOUN
eistud-1088	114	19	between	between	ADP
eistud-1088	114	20	cis	cis	NOUN
eistud-1088	114	21	countries	country	NOUN
eistud-1088	114	22	(	(	PUNCT
eistud-1088	114	23	mainly	mainly	ADV
eistud-1088	114	24	russia	russia	PROPN
eistud-1088	114	25	)	)	PUNCT
eistud-1088	114	26	and	and	CCONJ
eistud-1088	114	27	western	western	ADJ
eistud-1088	114	28	countries	country	NOUN
eistud-1088	114	29	.	.	PUNCT
eistud-1088	115	1	the	the	DET
eistud-1088	115	2	high	high	ADJ
eistud-1088	115	3	volume	volume	NOUN
eistud-1088	115	4	of	of	ADP
eistud-1088	115	5	throughput	throughput	NOUN
eistud-1088	115	6	of	of	ADP
eistud-1088	115	7	transactions	transaction	NOUN
eistud-1088	115	8	in	in	ADP
eistud-1088	115	9	accounts	account	NOUN
eistud-1088	115	10	in	in	ADP
eistud-1088	115	11	latvian	latvian	ADJ
eistud-1088	115	12	banks	bank	NOUN
eistud-1088	115	13	shows	show	VERB
eistud-1088	115	14	,	,	PUNCT
eistud-1088	115	15	in	in	ADP
eistud-1088	115	16	part	part	NOUN
eistud-1088	115	17	,	,	PUNCT
eistud-1088	115	18	the	the	DET
eistud-1088	115	19	financing	financing	NOUN
eistud-1088	115	20	of	of	ADP
eistud-1088	115	21	trade	trade	NOUN
eistud-1088	115	22	,	,	PUNCT
eistud-1088	115	23	but	but	CCONJ
eistud-1088	115	24	also	also	ADV
eistud-1088	115	25	contains	contain	VERB
eistud-1088	115	26	a	a	DET
eistud-1088	115	27	substantial	substantial	ADJ
eistud-1088	115	28	component	component	NOUN
eistud-1088	115	29	related	relate	VERB
eistud-1088	115	30	to	to	ADP
eistud-1088	115	31	capital	capital	NOUN
eistud-1088	115	32	flows	flow	NOUN
eistud-1088	115	33	and	and	CCONJ
eistud-1088	115	34	transactions	transaction	NOUN
eistud-1088	115	35	designed	design	VERB
eistud-1088	115	36	to	to	PART
eistud-1088	115	37	minimize	minimize	VERB
eistud-1088	115	38	the	the	DET
eistud-1088	115	39	impact	impact	NOUN
eistud-1088	115	40	of	of	ADP
eistud-1088	115	41	tax	tax	NOUN
eistud-1088	115	42	and	and	CCONJ
eistud-1088	115	43	currency	currency	NOUN
eistud-1088	115	44	control	control	NOUN
eistud-1088	115	45	requirements	requirement	NOUN
eistud-1088	115	46	in	in	ADP
eistud-1088	115	47	the	the	DET
eistud-1088	115	48	originating	originating	NOUN
eistud-1088	115	49	countries	country	NOUN
eistud-1088	115	50	,	,	PUNCT
eistud-1088	115	51	mainly	mainly	ADV
eistud-1088	115	52	in	in	ADP
eistud-1088	115	53	the	the	DET
eistud-1088	115	54	cis	cis	NOUN
eistud-1088	115	55	.	.	PUNCT
eistud-1088	116	1	source	source	NOUN
eistud-1088	116	2	:	:	PUNCT
eistud-1088	116	3	haver	haver	PROPN
eistud-1088	116	4	;	;	PUNCT
eistud-1088	116	5	ifs	ifs	PROPN
eistud-1088	116	6	;	;	PUNCT
eistud-1088	116	7	bis	bis	ADJ
eistud-1088	116	8	,	,	PUNCT
eistud-1088	116	9	locational	locational	ADJ
eistud-1088	116	10	banking	banking	NOUN
eistud-1088	116	11	statistics	statistic	NOUN
eistud-1088	116	12	;	;	PUNCT
eistud-1088	116	13	and	and	CCONJ
eistud-1088	116	14	ebrd	ebrd	PROPN
eistud-1088	116	15	when	when	SCONJ
eistud-1088	116	16	the	the	DET
eistud-1088	116	17	size	size	NOUN
eistud-1088	116	18	of	of	ADP
eistud-1088	116	19	the	the	DET
eistud-1088	116	20	banking	banking	NOUN
eistud-1088	116	21	sector	sector	NOUN
eistud-1088	116	22	is	be	AUX
eistud-1088	116	23	measured	measure	VERB
eistud-1088	116	24	relatively	relatively	ADV
eistud-1088	116	25	to	to	ADP
eistud-1088	116	26	financial	financial	ADJ
eistud-1088	116	27	wealth	wealth	NOUN
eistud-1088	116	28	,	,	PUNCT
eistud-1088	116	29	the	the	DET
eistud-1088	116	30	gap	gap	NOUN
eistud-1088	116	31	between	between	ADP
eistud-1088	116	32	the	the	DET
eistud-1088	116	33	developed	develop	VERB
eistud-1088	116	34	eu	eu	PROPN
eistud-1088	116	35	banking	banking	NOUN
eistud-1088	116	36	systems	system	NOUN
eistud-1088	116	37	and	and	CCONJ
eistud-1088	116	38	those	those	PRON
eistud-1088	116	39	of	of	ADP
eistud-1088	116	40	the	the	DET
eistud-1088	116	41	cee	cee	NOUN
eistud-1088	116	42	countries	country	NOUN
eistud-1088	116	43	is	be	AUX
eistud-1088	116	44	not	not	PART
eistud-1088	116	45	as	as	ADV
eistud-1088	116	46	severe	severe	ADJ
eistud-1088	116	47	as	as	SCONJ
eistud-1088	116	48	argued	argue	VERB
eistud-1088	116	49	in	in	ADP
eistud-1088	116	50	studies	study	NOUN
eistud-1088	116	51	based	base	VERB
eistud-1088	116	52	on	on	ADP
eistud-1088	116	53	the	the	DET
eistud-1088	116	54	traditional	traditional	ADJ
eistud-1088	116	55	approach	approach	NOUN
eistud-1088	116	56	of	of	ADP
eistud-1088	116	57	measuring	measure	VERB
eistud-1088	116	58	the	the	DET
eistud-1088	116	59	size	size	NOUN
eistud-1088	116	60	of	of	ADP
eistud-1088	116	61	the	the	DET
eistud-1088	116	62	banking	banking	NOUN
eistud-1088	116	63	system	system	NOUN
eistud-1088	116	64	with	with	ADP
eistud-1088	116	65	respect	respect	NOUN
eistud-1088	116	66	to	to	ADP
eistud-1088	116	67	gdp	gdp	NOUN
eistud-1088	116	68	[	[	X
eistud-1088	116	69	dinger	dinger	PROPN
eistud-1088	116	70	,	,	PUNCT
eistud-1088	116	71	hagen	hagen	PROPN
eistud-1088	116	72	,	,	PUNCT
eistud-1088	116	73	2009	2009	NUM
eistud-1088	116	74	]	]	PUNCT
eistud-1088	116	75	.	.	PUNCT
eistud-1088	117	1	it	it	PRON
eistud-1088	117	2	is	be	AUX
eistud-1088	117	3	important	important	ADJ
eistud-1088	117	4	to	to	PART
eistud-1088	117	5	confirm	confirm	VERB
eistud-1088	117	6	that	that	SCONJ
eistud-1088	117	7	not	not	PART
eistud-1088	117	8	only	only	ADV
eistud-1088	117	9	the	the	DET
eistud-1088	117	10	size	size	NOUN
eistud-1088	117	11	,	,	PUNCT
eistud-1088	117	12	but	but	CCONJ
eistud-1088	117	13	also	also	ADV
eistud-1088	117	14	other	other	ADJ
eistud-1088	117	15	areas	area	NOUN
eistud-1088	117	16	(	(	PUNCT
eistud-1088	117	17	including	include	VERB
eistud-1088	117	18	compliance	compliance	NOUN
eistud-1088	117	19	)	)	PUNCT
eistud-1088	117	20	of	of	ADP
eistud-1088	117	21	latvian	latvian	ADJ
eistud-1088	117	22	commercial	commercial	ADJ
eistud-1088	117	23	banking	banking	NOUN
eistud-1088	117	24	are	be	AUX
eistud-1088	117	25	in	in	ADP
eistud-1088	117	26	line	line	NOUN
eistud-1088	117	27	with	with	ADP
eistud-1088	117	28	developing	develop	VERB
eistud-1088	117	29	trends	trend	NOUN
eistud-1088	117	30	.	.	PUNCT
eistud-1088	118	1	regulation	regulation	NOUN
eistud-1088	118	2	regulation	regulation	NOUN
eistud-1088	118	3	is	be	AUX
eistud-1088	118	4	undoubtedly	undoubtedly	ADV
eistud-1088	118	5	the	the	DET
eistud-1088	118	6	founding	found	VERB
eistud-1088	118	7	spark	spark	NOUN
eistud-1088	118	8	and	and	CCONJ
eistud-1088	118	9	ultimate	ultimate	ADJ
eistud-1088	118	10	justification	justification	NOUN
eistud-1088	118	11	of	of	ADP
eistud-1088	118	12	all	all	DET
eistud-1088	118	13	compliance	compliance	NOUN
eistud-1088	118	14	activity	activity	NOUN
eistud-1088	118	15	in	in	ADP
eistud-1088	118	16	the	the	DET
eistud-1088	118	17	financial	financial	ADJ
eistud-1088	118	18	services	service	NOUN
eistud-1088	118	19	industry	industry	NOUN
eistud-1088	118	20	.	.	PUNCT
eistud-1088	119	1	it	it	PRON
eistud-1088	119	2	is	be	AUX
eistud-1088	119	3	almost	almost	ADV
eistud-1088	119	4	certainly	certainly	ADV
eistud-1088	119	5	true	true	ADJ
eistud-1088	119	6	that	that	SCONJ
eistud-1088	119	7	there	there	PRON
eistud-1088	119	8	would	would	AUX
eistud-1088	119	9	be	be	AUX
eistud-1088	119	10	no	no	DET
eistud-1088	119	11	compliance	compliance	NOUN
eistud-1088	119	12	if	if	SCONJ
eistud-1088	119	13	there	there	PRON
eistud-1088	119	14	had	have	AUX
eistud-1088	119	15	first	first	ADV
eistud-1088	119	16	been	be	AUX
eistud-1088	119	17	a	a	DET
eistud-1088	119	18	regulatory	regulatory	ADJ
eistud-1088	119	19	system	system	NOUN
eistud-1088	119	20	in	in	ADP
eistud-1088	119	21	which	which	PRON
eistud-1088	119	22	to	to	PART
eistud-1088	119	23	put	put	VERB
eistud-1088	119	24	them	they	PRON
eistud-1088	119	25	.	.	PUNCT
eistud-1088	120	1	to	to	PART
eistud-1088	120	2	get	get	VERB
eistud-1088	120	3	to	to	ADP
eistud-1088	120	4	grips	grip	NOUN
eistud-1088	120	5	with	with	ADP
eistud-1088	120	6	compliance	compliance	NOUN
eistud-1088	120	7	one	one	PRON
eistud-1088	120	8	should	should	AUX
eistud-1088	120	9	have	have	VERB
eistud-1088	120	10	a	a	DET
eistud-1088	120	11	sound	sound	ADJ
eistud-1088	120	12	understanding	understanding	NOUN
eistud-1088	120	13	of	of	ADP
eistud-1088	120	14	the	the	DET
eistud-1088	120	15	regulatory	regulatory	ADJ
eistud-1088	120	16	environment	environment	NOUN
eistud-1088	120	17	that	that	PRON
eistud-1088	120	18	gave	give	VERB
eistud-1088	120	19	rise	rise	NOUN
eistud-1088	120	20	to	to	ADP
eistud-1088	120	21	it	it	PRON
eistud-1088	120	22	[	[	X
eistud-1088	120	23	mills	mill	NOUN
eistud-1088	120	24	,	,	PUNCT
eistud-1088	120	25	2008	2008	NUM
eistud-1088	120	26	]	]	PUNCT
eistud-1088	120	27	.	.	PUNCT
eistud-1088	121	1	the	the	DET
eistud-1088	121	2	term	term	NOUN
eistud-1088	121	3	regulation	regulation	NOUN
eistud-1088	121	4	is	be	AUX
eistud-1088	121	5	derived	derive	VERB
eistud-1088	121	6	from	from	ADP
eistud-1088	121	7	latin	latin	PROPN
eistud-1088	121	8	.	.	PUNCT
eistud-1088	122	1	the	the	DET
eistud-1088	122	2	word	word	NOUN
eistud-1088	122	3	regula	regula	NOUN
eistud-1088	122	4	in	in	ADP
eistud-1088	122	5	latin	latin	PROPN
eistud-1088	122	6	means	mean	VERB
eistud-1088	122	7	a	a	DET
eistud-1088	122	8	rule	rule	NOUN
eistud-1088	122	9	.	.	PUNCT
eistud-1088	123	1	regulation	regulation	NOUN
eistud-1088	123	2	is	be	AUX
eistud-1088	123	3	viewed	view	VERB
eistud-1088	123	4	as	as	ADP
eistud-1088	123	5	operating	operating	NOUN
eistud-1088	123	6	rules	rule	NOUN
eistud-1088	123	7	and	and	CCONJ
eistud-1088	123	8	is	be	AUX
eistud-1088	123	9	about	about	ADP
eistud-1088	123	10	“	"	PUNCT
eistud-1088	123	11	stopping	stop	VERB
eistud-1088	123	12	people	people	NOUN
eistud-1088	123	13	doing	do	VERB
eistud-1088	123	14	bad	bad	ADJ
eistud-1088	123	15	things	thing	NOUN
eistud-1088	123	16	”	"	PUNCT
eistud-1088	123	17	or	or	CCONJ
eistud-1088	123	18	maintaining	maintain	VERB
eistud-1088	123	19	order	order	NOUN
eistud-1088	123	20	for	for	ADP
eistud-1088	123	21	society	society	NOUN
eistud-1088	123	22	and	and	CCONJ
eistud-1088	123	23	for	for	ADP
eistud-1088	123	24	economy	economy	NOUN
eistud-1088	123	25	.	.	PUNCT
eistud-1088	124	1	people	people	NOUN
eistud-1088	124	2	understand	understand	VERB
eistud-1088	124	3	regulation	regulation	NOUN
eistud-1088	124	4	as	as	ADP
eistud-1088	124	5	the	the	DET
eistud-1088	124	6	effort	effort	NOUN
eistud-1088	124	7	by	by	ADP
eistud-1088	124	8	state	state	NOUN
eistud-1088	124	9	,	,	PUNCT
eistud-1088	124	10	through	through	ADP
eistud-1088	124	11	operating	operating	NOUN
eistud-1088	124	12	rules	rule	NOUN
eistud-1088	124	13	to	to	PART
eistud-1088	124	14	shape	shape	VERB
eistud-1088	124	15	the	the	DET
eistud-1088	124	16	market	market	NOUN
eistud-1088	124	17	.	.	PUNCT
eistud-1088	125	1	regulation	regulation	NOUN
eistud-1088	125	2	is	be	AUX
eistud-1088	125	3	intended	intend	VERB
eistud-1088	125	4	to	to	PART
eistud-1088	125	5	ensure	ensure	VERB
eistud-1088	125	6	conformity	conformity	NOUN
eistud-1088	125	7	with	with	ADP
eistud-1088	125	8	agreed	agree	VERB
eistud-1088	125	9	norms	norm	NOUN
eistud-1088	125	10	.	.	PUNCT
eistud-1088	126	1	it	it	PRON
eistud-1088	126	2	is	be	AUX
eistud-1088	126	3	a	a	DET
eistud-1088	126	4	way	way	NOUN
eistud-1088	126	5	of	of	ADP
eistud-1088	126	6	controlling	control	VERB
eistud-1088	126	7	behaviour	behaviour	NOUN
eistud-1088	126	8	,	,	PUNCT
eistud-1088	126	9	either	either	PRON
eistud-1088	126	10	of	of	ADP
eistud-1088	126	11	individuals	individual	NOUN
eistud-1088	126	12	or	or	CCONJ
eistud-1088	126	13	of	of	ADP
eistud-1088	126	14	organizations	organization	NOUN
eistud-1088	126	15	.	.	PUNCT
eistud-1088	127	1	as	as	SCONJ
eistud-1088	127	2	human	human	ADJ
eistud-1088	127	3	society	society	NOUN
eistud-1088	127	4	becomes	become	VERB
eistud-1088	127	5	more	more	ADV
eistud-1088	127	6	complex	complex	ADJ
eistud-1088	127	7	,	,	PUNCT
eistud-1088	127	8	the	the	DET
eistud-1088	127	9	complexity	complexity	NOUN
eistud-1088	127	10	of	of	ADP
eistud-1088	127	11	regulation	regulation	NOUN
eistud-1088	127	12	also	also	ADV
eistud-1088	127	13	increases	increase	VERB
eistud-1088	127	14	.	.	PUNCT
eistud-1088	128	1	predictability	predictability	NOUN
eistud-1088	128	2	is	be	AUX
eistud-1088	128	3	the	the	DET
eistud-1088	128	4	primary	primary	ADJ
eistud-1088	128	5	component	component	NOUN
eistud-1088	128	6	of	of	ADP
eistud-1088	128	7	order	order	NOUN
eistud-1088	128	8	.	.	PUNCT
eistud-1088	129	1	predictability	predictability	NOUN
eistud-1088	129	2	is	be	AUX
eistud-1088	129	3	enhanced	enhance	VERB
eistud-1088	129	4	by	by	ADP
eistud-1088	129	5	reliability	reliability	NOUN
eistud-1088	129	6	and	and	CCONJ
eistud-1088	129	7	means	mean	VERB
eistud-1088	129	8	that	that	SCONJ
eistud-1088	129	9	similar	similar	ADJ
eistud-1088	129	10	sets	set	NOUN
eistud-1088	129	11	of	of	ADP
eistud-1088	129	12	circumstances	circumstance	NOUN
eistud-1088	129	13	ought	ought	AUX
eistud-1088	129	14	to	to	PART
eistud-1088	129	15	produce	produce	VERB
eistud-1088	129	16	similar	similar	ADJ
eistud-1088	129	17	consequences	consequence	NOUN
eistud-1088	129	18	.	.	PUNCT
eistud-1088	130	1	elements	element	NOUN
eistud-1088	130	2	of	of	ADP
eistud-1088	130	3	order	order	NOUN
eistud-1088	130	4	are	be	AUX
eistud-1088	130	5	as	as	SCONJ
eistud-1088	130	6	follows	follow	VERB
eistud-1088	130	7	:	:	PUNCT
eistud-1088	130	8	1	1	X
eistud-1088	130	9	)	)	PUNCT
eistud-1088	130	10	a	a	DET
eistud-1088	130	11	set	set	NOUN
eistud-1088	130	12	of	of	ADP
eistud-1088	130	13	rules	rule	NOUN
eistud-1088	130	14	is	be	AUX
eistud-1088	130	15	required	require	VERB
eistud-1088	130	16	;	;	PUNCT
eistud-1088	130	17	2	2	X
eistud-1088	130	18	)	)	PUNCT
eistud-1088	130	19	process	process	NOUN
eistud-1088	130	20	to	to	PART
eistud-1088	130	21	govern	govern	VERB
eistud-1088	130	22	the	the	DET
eistud-1088	130	23	development	development	NOUN
eistud-1088	130	24	of	of	ADP
eistud-1088	130	25	the	the	DET
eistud-1088	130	26	rules	rule	NOUN
eistud-1088	130	27	,	,	PUNCT
eistud-1088	130	28	to	to	PART
eistud-1088	130	29	ensure	ensure	VERB
eistud-1088	130	30	they	they	PRON
eistud-1088	130	31	remain	remain	VERB
eistud-1088	130	32	relevant	relevant	ADJ
eistud-1088	130	33	to	to	ADP
eistud-1088	130	34	the	the	DET
eistud-1088	130	35	society	society	NOUN
eistud-1088	130	36	they	they	PRON
eistud-1088	130	37	support	support	VERB
eistud-1088	130	38	.	.	PUNCT
eistud-1088	131	1	in	in	ADP
eistud-1088	131	2	real	real	ADJ
eistud-1088	131	3	world	world	NOUN
eistud-1088	131	4	that	that	PRON
eistud-1088	131	5	means	mean	VERB
eistud-1088	131	6	having	have	VERB
eistud-1088	131	7	a	a	DET
eistud-1088	131	8	government	government	NOUN
eistud-1088	131	9	;	;	PUNCT
eistud-1088	131	10	3	3	X
eistud-1088	131	11	)	)	PUNCT
eistud-1088	131	12	compliance	compliance	NOUN
eistud-1088	131	13	,	,	PUNCT
eistud-1088	131	14	which	which	PRON
eistud-1088	131	15	means	mean	VERB
eistud-1088	131	16	abiding	abide	VERB
eistud-1088	131	17	by	by	ADP
eistud-1088	131	18	the	the	DET
eistud-1088	131	19	rules	rule	NOUN
eistud-1088	131	20	that	that	PRON
eistud-1088	131	21	govern	govern	VERB
eistud-1088	131	22	a	a	DET
eistud-1088	131	23	society	society	NOUN
eistud-1088	131	24	,	,	PUNCT
eistud-1088	131	25	profession	profession	NOUN
eistud-1088	131	26	or	or	CCONJ
eistud-1088	131	27	other	other	ADJ
eistud-1088	131	28	domain	domain	NOUN
eistud-1088	131	29	;	;	PUNCT
eistud-1088	131	30	4	4	X
eistud-1088	131	31	)	)	PUNCT
eistud-1088	131	32	enforcement	enforcement	NOUN
eistud-1088	131	33	,	,	PUNCT
eistud-1088	131	34	which	which	PRON
eistud-1088	131	35	means	mean	VERB
eistud-1088	131	36	taking	take	VERB
eistud-1088	131	37	steps	step	NOUN
eistud-1088	131	38	to	to	PART
eistud-1088	131	39	ensure	ensure	VERB
eistud-1088	131	40	compliance	compliance	NOUN
eistud-1088	131	41	or	or	CCONJ
eistud-1088	131	42	to	to	PART
eistud-1088	131	43	deal	deal	VERB
eistud-1088	131	44	with	with	ADP
eistud-1088	131	45	transgressors	transgressor	NOUN
eistud-1088	131	46	.	.	PUNCT
eistud-1088	132	1	logically	logically	ADV
eistud-1088	132	2	,	,	PUNCT
eistud-1088	132	3	issn	issn	PROPN
eistud-1088	132	4	1822–8402	1822–8402	NUM
eistud-1088	132	5	european	european	ADJ
eistud-1088	132	6	integration	integration	NOUN
eistud-1088	132	7	studies	study	NOUN
eistud-1088	132	8	.	.	PUNCT
eistud-1088	133	1	2011	2011	NUM
eistud-1088	133	2	.	.	PUNCT
eistud-1088	134	1	no	no	DET
eistud-1088	134	2	5	5	NUM
eistud-1088	134	3	135	135	NUM
eistud-1088	134	4	enforcement	enforcement	NOUN
eistud-1088	134	5	is	be	AUX
eistud-1088	134	6	subset	subset	VERB
eistud-1088	134	7	of	of	ADP
eistud-1088	134	8	compliance	compliance	NOUN
eistud-1088	134	9	,	,	PUNCT
eistud-1088	134	10	a	a	DET
eistud-1088	134	11	mechanism	mechanism	NOUN
eistud-1088	134	12	to	to	PART
eistud-1088	134	13	make	make	VERB
eistud-1088	134	14	sure	sure	ADJ
eistud-1088	134	15	that	that	SCONJ
eistud-1088	134	16	the	the	DET
eistud-1088	134	17	rules	rule	NOUN
eistud-1088	134	18	are	be	AUX
eistud-1088	134	19	not	not	PART
eistud-1088	134	20	broken	break	VERB
eistud-1088	134	21	.	.	PUNCT
eistud-1088	135	1	however	however	ADV
eistud-1088	135	2	enforcement	enforcement	NOUN
eistud-1088	135	3	seems	seem	VERB
eistud-1088	135	4	to	to	PART
eistud-1088	135	5	have	have	AUX
eistud-1088	135	6	taken	take	VERB
eistud-1088	135	7	a	a	DET
eistud-1088	135	8	life	life	NOUN
eistud-1088	135	9	of	of	ADP
eistud-1088	135	10	its	its	PRON
eistud-1088	135	11	own	own	ADJ
eistud-1088	135	12	[	[	AUX
eistud-1088	135	13	callioni	callioni	NOUN
eistud-1088	135	14	,	,	PUNCT
eistud-1088	135	15	2008	2008	NUM
eistud-1088	135	16	]	]	PUNCT
eistud-1088	135	17	.	.	PUNCT
eistud-1088	136	1	to	to	PART
eistud-1088	136	2	understand	understand	VERB
eistud-1088	136	3	how	how	SCONJ
eistud-1088	136	4	the	the	DET
eistud-1088	136	5	regulation	regulation	NOUN
eistud-1088	136	6	works	work	VERB
eistud-1088	136	7	in	in	ADP
eistud-1088	136	8	the	the	DET
eistud-1088	136	9	financial	financial	ADJ
eistud-1088	136	10	sector	sector	NOUN
eistud-1088	136	11	we	we	PRON
eistud-1088	136	12	can	can	AUX
eistud-1088	136	13	use	use	VERB
eistud-1088	136	14	principles	principle	NOUN
eistud-1088	136	15	of	of	ADP
eistud-1088	136	16	game	game	NOUN
eistud-1088	136	17	theory	theory	NOUN
eistud-1088	136	18	.	.	PUNCT
eistud-1088	137	1	game	game	NOUN
eistud-1088	137	2	theory	theory	NOUN
eistud-1088	137	3	is	be	AUX
eistud-1088	137	4	the	the	DET
eistud-1088	137	5	systemic	systemic	ADJ
eistud-1088	137	6	study	study	NOUN
eistud-1088	137	7	of	of	ADP
eistud-1088	137	8	behaviour	behaviour	NOUN
eistud-1088	137	9	in	in	ADP
eistud-1088	137	10	situations	situation	NOUN
eistud-1088	137	11	involving	involve	VERB
eistud-1088	137	12	interdependencies	interdependency	NOUN
eistud-1088	137	13	.	.	PUNCT
eistud-1088	138	1	it	it	PRON
eistud-1088	138	2	also	also	ADV
eistud-1088	138	3	is	be	AUX
eistud-1088	138	4	known	know	VERB
eistud-1088	138	5	as	as	ADP
eistud-1088	138	6	“	"	PUNCT
eistud-1088	138	7	multi	multi	ADJ
eistud-1088	138	8	-	-	ADJ
eistud-1088	138	9	person	person	ADJ
eistud-1088	138	10	decision	decision	NOUN
eistud-1088	138	11	theory	theory	NOUN
eistud-1088	138	12	”	"	PUNCT
eistud-1088	138	13	or	or	CCONJ
eistud-1088	138	14	“	"	PUNCT
eistud-1088	138	15	the	the	DET
eistud-1088	138	16	analysis	analysis	NOUN
eistud-1088	138	17	of	of	ADP
eistud-1088	138	18	conflict	conflict	NOUN
eistud-1088	138	19	”	"	PUNCT
eistud-1088	138	20	.	.	PUNCT
eistud-1088	139	1	the	the	DET
eistud-1088	139	2	roots	root	NOUN
eistud-1088	139	3	of	of	ADP
eistud-1088	139	4	game	game	NOUN
eistud-1088	139	5	theory	theory	NOUN
eistud-1088	139	6	are	be	AUX
eistud-1088	139	7	to	to	PART
eistud-1088	139	8	be	be	AUX
eistud-1088	139	9	found	find	VERB
eistud-1088	139	10	in	in	ADP
eistud-1088	139	11	the	the	DET
eistud-1088	139	12	work	work	NOUN
eistud-1088	139	13	by	by	ADP
eistud-1088	139	14	john	john	PROPN
eistud-1088	139	15	von	von	PROPN
eistud-1088	139	16	neumann	neumann	PROPN
eistud-1088	139	17	and	and	CCONJ
eistud-1088	139	18	oskar	oskar	PROPN
eistud-1088	139	19	morgenster	morgenster	PROPN
eistud-1088	140	1	[	[	X
eistud-1088	140	2	solovjova	solovjova	PROPN
eistud-1088	140	3	,	,	PUNCT
eistud-1088	140	4	2008	2008	NUM
eistud-1088	140	5	]	]	PUNCT
eistud-1088	140	6	,	,	PUNCT
eistud-1088	140	7	who	who	PRON
eistud-1088	140	8	defined	define	VERB
eistud-1088	140	9	two	two	NUM
eistud-1088	140	10	types	type	NOUN
eistud-1088	140	11	of	of	ADP
eistud-1088	140	12	games	game	NOUN
eistud-1088	140	13	:	:	PUNCT
eistud-1088	140	14	in	in	ADP
eistud-1088	140	15	rule	rule	NOUN
eistud-1088	140	16	based	base	VERB
eistud-1088	140	17	games	game	NOUN
eistud-1088	140	18	,	,	PUNCT
eistud-1088	140	19	players	player	NOUN
eistud-1088	140	20	interact	interact	VERB
eistud-1088	140	21	according	accord	VERB
eistud-1088	140	22	to	to	ADP
eistud-1088	140	23	specific	specific	ADJ
eistud-1088	140	24	“	"	PUNCT
eistud-1088	140	25	rules	rule	NOUN
eistud-1088	140	26	of	of	ADP
eistud-1088	140	27	engagement	engagement	NOUN
eistud-1088	140	28	”	"	PUNCT
eistud-1088	140	29	,	,	PUNCT
eistud-1088	140	30	which	which	PRON
eistud-1088	140	31	are	be	AUX
eistud-1088	140	32	generally	generally	ADV
eistud-1088	140	33	explicit	explicit	ADJ
eistud-1088	140	34	;	;	PUNCT
eistud-1088	140	35	in	in	ADP
eistud-1088	140	36	the	the	DET
eistud-1088	140	37	second	second	ADJ
eistud-1088	140	38	type	type	NOUN
eistud-1088	140	39	,	,	PUNCT
eistud-1088	140	40	players	player	NOUN
eistud-1088	140	41	interact	interact	VERB
eistud-1088	140	42	without	without	ADP
eistud-1088	140	43	explicit	explicit	ADJ
eistud-1088	140	44	rules	rule	NOUN
eistud-1088	140	45	,	,	PUNCT
eistud-1088	140	46	although	although	SCONJ
eistud-1088	140	47	they	they	PRON
eistud-1088	140	48	may	may	AUX
eistud-1088	140	49	still	still	ADV
eistud-1088	140	50	abide	abide	VERB
eistud-1088	140	51	by	by	ADP
eistud-1088	140	52	implicit	implicit	ADJ
eistud-1088	140	53	“	"	PUNCT
eistud-1088	140	54	rules	rule	NOUN
eistud-1088	140	55	”	"	PUNCT
eistud-1088	140	56	or	or	CCONJ
eistud-1088	140	57	understandings	understanding	NOUN
eistud-1088	140	58	.	.	PUNCT
eistud-1088	141	1	whatever	whatever	PRON
eistud-1088	141	2	the	the	DET
eistud-1088	141	3	nature	nature	NOUN
eistud-1088	141	4	and	and	CCONJ
eistud-1088	141	5	character	character	NOUN
eistud-1088	141	6	of	of	ADP
eistud-1088	141	7	state	state	NOUN
eistud-1088	141	8	,	,	PUNCT
eistud-1088	141	9	the	the	DET
eistud-1088	141	10	state	state	NOUN
eistud-1088	141	11	will	will	AUX
eistud-1088	141	12	tend	tend	VERB
eistud-1088	141	13	to	to	PART
eistud-1088	141	14	want	want	VERB
eistud-1088	141	15	maximum	maximum	ADJ
eistud-1088	141	16	compliance	compliance	NOUN
eistud-1088	141	17	(	(	PUNCT
eistud-1088	141	18	effectiveness	effectiveness	NOUN
eistud-1088	141	19	)	)	PUNCT
eistud-1088	141	20	,	,	PUNCT
eistud-1088	141	21	while	while	SCONJ
eistud-1088	141	22	people	people	NOUN
eistud-1088	141	23	and	and	CCONJ
eistud-1088	141	24	especially	especially	ADV
eistud-1088	141	25	business	business	NOUN
eistud-1088	141	26	will	will	AUX
eistud-1088	141	27	want	want	VERB
eistud-1088	141	28	minimum	minimum	ADJ
eistud-1088	141	29	interference	interference	NOUN
eistud-1088	141	30	and	and	CCONJ
eistud-1088	141	31	minimum	minimum	NOUN
eistud-1088	141	32	transaction	transaction	NOUN
eistud-1088	141	33	costs	cost	NOUN
eistud-1088	141	34	(	(	PUNCT
eistud-1088	141	35	efficiency	efficiency	NOUN
eistud-1088	141	36	)	)	PUNCT
eistud-1088	141	37	.	.	PUNCT
eistud-1088	142	1	the	the	DET
eistud-1088	142	2	outcome	outcome	NOUN
eistud-1088	142	3	will	will	AUX
eistud-1088	142	4	be	be	AUX
eistud-1088	142	5	a	a	DET
eistud-1088	142	6	trade	trade	NOUN
eistud-1088	142	7	-	-	PUNCT
eistud-1088	142	8	off	off	NOUN
eistud-1088	142	9	between	between	ADP
eistud-1088	142	10	efficiency	efficiency	NOUN
eistud-1088	142	11	and	and	CCONJ
eistud-1088	142	12	effectiveness	effectiveness	NOUN
eistud-1088	142	13	,	,	PUNCT
eistud-1088	142	14	which	which	PRON
eistud-1088	142	15	will	will	AUX
eistud-1088	142	16	move	move	VERB
eistud-1088	142	17	through	through	ADP
eistud-1088	142	18	a	a	DET
eistud-1088	142	19	pendulum	pendulum	NOUN
eistud-1088	142	20	cycle	cycle	NOUN
eistud-1088	142	21	,	,	PUNCT
eistud-1088	142	22	driven	drive	VERB
eistud-1088	142	23	primarily	primarily	ADV
eistud-1088	142	24	by	by	ADP
eistud-1088	142	25	level	level	NOUN
eistud-1088	142	26	of	of	ADP
eistud-1088	142	27	trust	trust	NOUN
eistud-1088	142	28	in	in	ADP
eistud-1088	142	29	the	the	DET
eistud-1088	142	30	bargain	bargain	NOUN
eistud-1088	142	31	between	between	ADP
eistud-1088	142	32	the	the	DET
eistud-1088	142	33	ruler	ruler	NOUN
eistud-1088	142	34	and	and	CCONJ
eistud-1088	142	35	the	the	DET
eistud-1088	142	36	ruled	rule	VERB
eistud-1088	142	37	one	one	NUM
eistud-1088	142	38	.	.	PUNCT
eistud-1088	143	1	the	the	PRON
eistud-1088	143	2	stronger	strong	ADJ
eistud-1088	143	3	the	the	DET
eistud-1088	143	4	trust	trust	NOUN
eistud-1088	143	5	,	,	PUNCT
eistud-1088	143	6	the	the	PRON
eistud-1088	143	7	lower	low	ADJ
eistud-1088	143	8	the	the	DET
eistud-1088	143	9	risk	risk	NOUN
eistud-1088	143	10	of	of	ADP
eistud-1088	143	11	non	non	ADJ
eistud-1088	143	12	-	-	NOUN
eistud-1088	143	13	compliance	compliance	NOUN
eistud-1088	143	14	,	,	PUNCT
eistud-1088	143	15	resulting	result	VERB
eistud-1088	143	16	in	in	ADP
eistud-1088	143	17	a	a	DET
eistud-1088	143	18	lower	low	ADJ
eistud-1088	143	19	requirement	requirement	NOUN
eistud-1088	143	20	for	for	ADP
eistud-1088	143	21	verifying	verify	VERB
eistud-1088	143	22	compliance	compliance	NOUN
eistud-1088	143	23	,	,	PUNCT
eistud-1088	143	24	with	with	ADP
eistud-1088	143	25	a	a	DET
eistud-1088	143	26	consequent	consequent	ADJ
eistud-1088	143	27	reduction	reduction	NOUN
eistud-1088	143	28	in	in	ADP
eistud-1088	143	29	transaction	transaction	NOUN
eistud-1088	143	30	costs	cost	NOUN
eistud-1088	143	31	.	.	PUNCT
eistud-1088	144	1	the	the	PRON
eistud-1088	144	2	lower	low	ADJ
eistud-1088	144	3	the	the	DET
eistud-1088	144	4	trust	trust	NOUN
eistud-1088	144	5	,	,	PUNCT
eistud-1088	144	6	the	the	PRON
eistud-1088	144	7	higher	high	ADJ
eistud-1088	144	8	the	the	DET
eistud-1088	144	9	requirement	requirement	NOUN
eistud-1088	144	10	for	for	ADP
eistud-1088	144	11	verification	verification	NOUN
eistud-1088	144	12	,	,	PUNCT
eistud-1088	144	13	with	with	ADP
eistud-1088	144	14	a	a	DET
eistud-1088	144	15	consequent	consequent	ADJ
eistud-1088	144	16	hike	hike	NOUN
eistud-1088	144	17	in	in	ADP
eistud-1088	144	18	transaction	transaction	NOUN
eistud-1088	144	19	costs	cost	NOUN
eistud-1088	144	20	.	.	PUNCT
eistud-1088	145	1	the	the	DET
eistud-1088	145	2	optimum	optimum	ADJ
eistud-1088	145	3	point	point	NOUN
eistud-1088	145	4	in	in	ADP
eistud-1088	145	5	the	the	DET
eistud-1088	145	6	cycle	cycle	NOUN
eistud-1088	145	7	is	be	AUX
eistud-1088	145	8	when	when	SCONJ
eistud-1088	145	9	there	there	PRON
eistud-1088	145	10	is	be	VERB
eistud-1088	145	11	enough	enough	ADJ
eistud-1088	145	12	regulation	regulation	NOUN
eistud-1088	145	13	to	to	PART
eistud-1088	145	14	maintain	maintain	VERB
eistud-1088	145	15	order	order	NOUN
eistud-1088	145	16	and	and	CCONJ
eistud-1088	145	17	predictability	predictability	NOUN
eistud-1088	145	18	,	,	PUNCT
eistud-1088	145	19	without	without	ADP
eistud-1088	145	20	imposing	impose	VERB
eistud-1088	145	21	an	an	DET
eistud-1088	145	22	unacceptable	unacceptable	ADJ
eistud-1088	145	23	amount	amount	NOUN
eistud-1088	145	24	of	of	ADP
eistud-1088	145	25	red	red	ADJ
eistud-1088	145	26	t	t	PROPN
eistud-1088	145	27	ape	ape	NOUN
eistud-1088	146	1	[	[	X
eistud-1088	146	2	callioni	callioni	NOUN
eistud-1088	146	3	,	,	PUNCT
eistud-1088	146	4	2008	2008	NUM
eistud-1088	146	5	]	]	PUNCT
eistud-1088	146	6	.	.	PUNCT
eistud-1088	147	1	eu	eu	PROPN
eistud-1088	147	2	regulation	regulation	NOUN
eistud-1088	147	3	against	against	ADP
eistud-1088	147	4	the	the	DET
eistud-1088	147	5	above	above	ADV
eistud-1088	147	6	-	-	PUNCT
eistud-1088	147	7	mentioned	mention	VERB
eistud-1088	147	8	background	background	NOUN
eistud-1088	147	9	it	it	PRON
eistud-1088	147	10	’s	’	VERB
eistud-1088	147	11	important	important	ADJ
eistud-1088	147	12	to	to	PART
eistud-1088	147	13	review	review	VERB
eistud-1088	147	14	eu	eu	PROPN
eistud-1088	147	15	regulation	regulation	NOUN
eistud-1088	147	16	for	for	ADP
eistud-1088	147	17	financial	financial	ADJ
eistud-1088	147	18	sector	sector	NOUN
eistud-1088	147	19	.	.	PUNCT
eistud-1088	148	1	fsap	fsap	PROPN
eistud-1088	148	2	was	be	AUX
eistud-1088	148	3	endorsed	endorse	VERB
eistud-1088	148	4	at	at	ADP
eistud-1088	148	5	lisbon	lisbon	PROPN
eistud-1088	148	6	european	european	PROPN
eistud-1088	148	7	council	council	PROPN
eistud-1088	148	8	of	of	ADP
eistud-1088	148	9	2000	2000	NUM
eistud-1088	148	10	,	,	PUNCT
eistud-1088	148	11	and	and	CCONJ
eistud-1088	148	12	had	have	AUX
eistud-1088	148	13	laid	lay	VERB
eistud-1088	148	14	the	the	DET
eistud-1088	148	15	legislative	legislative	ADJ
eistud-1088	148	16	foundations	foundation	NOUN
eistud-1088	148	17	for	for	ADP
eistud-1088	148	18	the	the	DET
eistud-1088	148	19	eu	eu	PROPN
eistud-1088	148	20	financial	financial	PROPN
eistud-1088	148	21	services	service	NOUN
eistud-1088	148	22	industry	industry	NOUN
eistud-1088	148	23	:	:	PUNCT
eistud-1088	148	24	banking	banking	NOUN
eistud-1088	148	25	,	,	PUNCT
eistud-1088	148	26	insurance	insurance	NOUN
eistud-1088	148	27	,	,	PUNCT
eistud-1088	148	28	securities	security	NOUN
eistud-1088	148	29	and	and	CCONJ
eistud-1088	148	30	asset	asset	NOUN
eistud-1088	148	31	management	management	NOUN
eistud-1088	148	32	.	.	PUNCT
eistud-1088	149	1	it	it	PRON
eistud-1088	149	2	detailed	detail	VERB
eistud-1088	149	3	42	42	NUM
eistud-1088	149	4	measures	measure	NOUN
eistud-1088	149	5	of	of	ADP
eistud-1088	149	6	four	four	NUM
eistud-1088	149	7	types	type	NOUN
eistud-1088	149	8	:	:	PUNCT
eistud-1088	149	9	directives	directive	NOUN
eistud-1088	149	10	,	,	PUNCT
eistud-1088	149	11	regulations	regulation	NOUN
eistud-1088	149	12	,	,	PUNCT
eistud-1088	149	13	communications	communication	NOUN
eistud-1088	149	14	and	and	CCONJ
eistud-1088	149	15	recommendations	recommendation	NOUN
eistud-1088	149	16	.	.	PUNCT
eistud-1088	150	1	in	in	ADP
eistud-1088	150	2	2001	2001	NUM
eistud-1088	150	3	and	and	CCONJ
eistud-1088	150	4	2002	2002	NUM
eistud-1088	150	5	fsap	fsap	NOUN
eistud-1088	150	6	was	be	AUX
eistud-1088	150	7	added	add	VERB
eistud-1088	150	8	with	with	ADP
eistud-1088	150	9	lamfalussy	lamfalussy	ADJ
eistud-1088	150	10	process	process	NOUN
eistud-1088	150	11	covering	cover	VERB
eistud-1088	150	12	securities	security	NOUN
eistud-1088	150	13	market	market	NOUN
eistud-1088	150	14	,	,	PUNCT
eistud-1088	150	15	banking	banking	NOUN
eistud-1088	150	16	and	and	CCONJ
eistud-1088	150	17	insurance	insurance	NOUN
eistud-1088	150	18	.	.	PUNCT
eistud-1088	151	1	the	the	DET
eistud-1088	151	2	lamfalussy	lamfalussy	ADJ
eistud-1088	151	3	process	process	NOUN
eistud-1088	151	4	involves	involve	VERB
eistud-1088	151	5	a	a	DET
eistud-1088	151	6	four	four	NUM
eistud-1088	151	7	-	-	PUNCT
eistud-1088	151	8	layer	layer	NOUN
eistud-1088	151	9	approach	approach	NOUN
eistud-1088	151	10	to	to	ADP
eistud-1088	151	11	the	the	DET
eistud-1088	151	12	implementation	implementation	NOUN
eistud-1088	151	13	of	of	ADP
eistud-1088	151	14	eu	eu	PROPN
eistud-1088	151	15	financial	financial	PROPN
eistud-1088	151	16	services	service	NOUN
eistud-1088	151	17	legislation	legislation	NOUN
eistud-1088	151	18	.	.	PUNCT
eistud-1088	152	1	level	level	NOUN
eistud-1088	152	2	1	1	NUM
eistud-1088	152	3	–	–	PUNCT
eistud-1088	152	4	the	the	DET
eistud-1088	152	5	european	european	PROPN
eistud-1088	152	6	commission	commission	PROPN
eistud-1088	152	7	and	and	CCONJ
eistud-1088	152	8	the	the	DET
eistud-1088	152	9	european	european	PROPN
eistud-1088	152	10	council	council	PROPN
eistud-1088	152	11	agree	agree	VERB
eistud-1088	152	12	on	on	ADP
eistud-1088	152	13	basic	basic	ADJ
eistud-1088	152	14	framework	framework	NOUN
eistud-1088	152	15	of	of	ADP
eistud-1088	152	16	the	the	DET
eistud-1088	152	17	legislation	legislation	NOUN
eistud-1088	152	18	being	be	AUX
eistud-1088	152	19	considered	consider	VERB
eistud-1088	152	20	.	.	PUNCT
eistud-1088	153	1	level	level	NOUN
eistud-1088	153	2	2	2	NUM
eistud-1088	153	3	–	–	PUNCT
eistud-1088	153	4	the	the	DET
eistud-1088	153	5	european	european	PROPN
eistud-1088	153	6	commission	commission	PROPN
eistud-1088	153	7	specifies	specify	VERB
eistud-1088	153	8	the	the	DET
eistud-1088	153	9	technical	technical	ADJ
eistud-1088	153	10	details	detail	NOUN
eistud-1088	153	11	of	of	ADP
eistud-1088	153	12	the	the	DET
eistud-1088	153	13	framework	framework	NOUN
eistud-1088	153	14	agreed	agree	VERB
eistud-1088	153	15	at	at	ADP
eistud-1088	153	16	level	level	NOUN
eistud-1088	153	17	1	1	NUM
eistud-1088	153	18	.	.	PUNCT
eistud-1088	153	19	level	level	NOUN
eistud-1088	153	20	3	3	NUM
eistud-1088	153	21	–	–	PUNCT
eistud-1088	153	22	each	each	DET
eistud-1088	153	23	member	member	NOUN
eistud-1088	153	24	state	state	NOUN
eistud-1088	153	25	implements	implement	VERB
eistud-1088	153	26	the	the	DET
eistud-1088	153	27	measures	measure	NOUN
eistud-1088	153	28	taken	take	VERB
eistud-1088	153	29	at	at	ADP
eistud-1088	153	30	level	level	NOUN
eistud-1088	153	31	1	1	NUM
eistud-1088	153	32	and	and	CCONJ
eistud-1088	153	33	2	2	NUM
eistud-1088	153	34	.	.	X
eistud-1088	153	35	guidelines	guideline	NOUN
eistud-1088	153	36	and	and	CCONJ
eistud-1088	153	37	best	good	ADJ
eistud-1088	153	38	practice	practice	NOUN
eistud-1088	153	39	standards	standard	NOUN
eistud-1088	153	40	are	be	AUX
eistud-1088	153	41	issued	issue	VERB
eistud-1088	153	42	in	in	ADP
eistud-1088	153	43	order	order	NOUN
eistud-1088	153	44	to	to	PART
eistud-1088	153	45	bring	bring	VERB
eistud-1088	153	46	about	about	ADP
eistud-1088	153	47	uniform	uniform	ADJ
eistud-1088	153	48	implementation	implementation	NOUN
eistud-1088	153	49	.	.	PUNCT
eistud-1088	154	1	level	level	NOUN
eistud-1088	154	2	4	4	NUM
eistud-1088	154	3	–	–	PUNCT
eistud-1088	154	4	this	this	PRON
eistud-1088	154	5	will	will	AUX
eistud-1088	154	6	involve	involve	VERB
eistud-1088	154	7	the	the	DET
eistud-1088	154	8	european	european	PROPN
eistud-1088	154	9	commission	commission	PROPN
eistud-1088	154	10	checking	check	VERB
eistud-1088	154	11	member	member	NOUN
eistud-1088	154	12	states	state	NOUN
eistud-1088	154	13	’	'	PUNCT
eistud-1088	154	14	compliance	compliance	NOUN
eistud-1088	154	15	with	with	ADP
eistud-1088	154	16	the	the	DET
eistud-1088	154	17	fsap	fsap	NOUN
eistud-1088	154	18	measures	measure	NOUN
eistud-1088	154	19	,	,	PUNCT
eistud-1088	154	20	with	with	ADP
eistud-1088	154	21	the	the	DET
eistud-1088	154	22	threat	threat	NOUN
eistud-1088	154	23	of	of	ADP
eistud-1088	154	24	enforcement	enforcement	NOUN
eistud-1088	154	25	action	action	NOUN
eistud-1088	154	26	for	for	ADP
eistud-1088	154	27	any	any	PRON
eistud-1088	154	28	that	that	PRON
eistud-1088	154	29	are	be	AUX
eistud-1088	154	30	“	"	PUNCT
eistud-1088	154	31	under	under	ADV
eistud-1088	154	32	-	-	PUNCT
eistud-1088	154	33	performing	performing	NOUN
eistud-1088	154	34	”	"	PUNCT
eistud-1088	155	1	[	[	X
eistud-1088	155	2	mills	mill	NOUN
eistud-1088	155	3	,	,	PUNCT
eistud-1088	155	4	2008	2008	NUM
eistud-1088	155	5	]	]	PUNCT
eistud-1088	155	6	.	.	PUNCT
eistud-1088	156	1	compliance	compliance	NOUN
eistud-1088	156	2	what	what	PRON
eistud-1088	156	3	compliance	compliance	NOUN
eistud-1088	156	4	means	mean	VERB
eistud-1088	156	5	–	–	PUNCT
eistud-1088	156	6	has	have	AUX
eistud-1088	156	7	been	be	AUX
eistud-1088	156	8	much	much	ADV
eistud-1088	156	9	debated	debate	VERB
eistud-1088	156	10	by	by	ADP
eistud-1088	156	11	financial	financial	ADJ
eistud-1088	156	12	institutions	institution	NOUN
eistud-1088	156	13	and	and	CCONJ
eistud-1088	156	14	regulators	regulator	NOUN
eistud-1088	156	15	.	.	PUNCT
eistud-1088	157	1	compliance	compliance	NOUN
eistud-1088	157	2	in	in	ADP
eistud-1088	157	3	general	general	ADJ
eistud-1088	157	4	terms	term	NOUN
eistud-1088	157	5	is	be	AUX
eistud-1088	157	6	the	the	DET
eistud-1088	157	7	adherence	adherence	NOUN
eistud-1088	157	8	by	by	ADP
eistud-1088	157	9	the	the	DET
eistud-1088	157	10	regulated	regulate	VERB
eistud-1088	157	11	to	to	ADP
eistud-1088	157	12	rules	rule	NOUN
eistud-1088	157	13	and	and	CCONJ
eistud-1088	157	14	regulations	regulation	NOUN
eistud-1088	157	15	laid	lay	VERB
eistud-1088	157	16	down	down	ADP
eistud-1088	157	17	by	by	ADP
eistud-1088	157	18	those	those	PRON
eistud-1088	157	19	in	in	ADP
eistud-1088	157	20	authority	authority	NOUN
eistud-1088	157	21	.	.	PUNCT
eistud-1088	158	1	compliance	compliance	NOUN
eistud-1088	158	2	is	be	AUX
eistud-1088	158	3	the	the	DET
eistud-1088	158	4	certification	certification	NOUN
eistud-1088	158	5	or	or	CCONJ
eistud-1088	158	6	confirmation	confirmation	NOUN
eistud-1088	158	7	that	that	SCONJ
eistud-1088	158	8	the	the	DET
eistud-1088	158	9	doer	doer	NOUN
eistud-1088	158	10	of	of	ADP
eistud-1088	158	11	an	an	DET
eistud-1088	158	12	action	action	NOUN
eistud-1088	158	13	meets	meet	VERB
eistud-1088	158	14	the	the	DET
eistud-1088	158	15	requirements	requirement	NOUN
eistud-1088	158	16	of	of	ADP
eistud-1088	158	17	accepted	accepted	ADJ
eistud-1088	158	18	practices	practice	NOUN
eistud-1088	158	19	,	,	PUNCT
eistud-1088	158	20	legislation	legislation	NOUN
eistud-1088	158	21	,	,	PUNCT
eistud-1088	158	22	prescribed	prescribe	VERB
eistud-1088	158	23	rules	rule	NOUN
eistud-1088	158	24	and	and	CCONJ
eistud-1088	158	25	regulations	regulation	NOUN
eistud-1088	158	26	,	,	PUNCT
eistud-1088	158	27	specified	specify	VERB
eistud-1088	158	28	standards	standard	NOUN
eistud-1088	158	29	,	,	PUNCT
eistud-1088	158	30	or	or	CCONJ
eistud-1088	158	31	the	the	DET
eistud-1088	158	32	terms	term	NOUN
eistud-1088	158	33	of	of	ADP
eistud-1088	158	34	a	a	DET
eistud-1088	158	35	contract	contract	NOUN
eistud-1088	158	36	[	[	X
eistud-1088	158	37	principles	principle	NOUN
eistud-1088	158	38	–	–	PUNCT
eistud-1088	158	39	basel	basel	NOUN
eistud-1088	158	40	,	,	PUNCT
eistud-1088	158	41	2010	2010	NUM
eistud-1088	158	42	]	]	PUNCT
eistud-1088	158	43	.	.	PUNCT
eistud-1088	159	1	in	in	ADP
eistud-1088	159	2	literature	literature	PROPN
eistud-1088	159	3	biegelman	biegelman	NOUN
eistud-1088	159	4	(	(	PUNCT
eistud-1088	159	5	2008	2008	NUM
eistud-1088	159	6	)	)	PUNCT
eistud-1088	159	7	compliance	compliance	NOUN
eistud-1088	159	8	is	be	AUX
eistud-1088	159	9	defined	define	VERB
eistud-1088	159	10	as	as	ADP
eistud-1088	159	11	a	a	DET
eistud-1088	159	12	state	state	NOUN
eistud-1088	159	13	of	of	ADP
eistud-1088	159	14	being	be	AUX
eistud-1088	159	15	in	in	ADP
eistud-1088	159	16	accordance	accordance	NOUN
eistud-1088	159	17	with	with	ADP
eistud-1088	159	18	established	establish	VERB
eistud-1088	159	19	legislation	legislation	NOUN
eistud-1088	159	20	,	,	PUNCT
eistud-1088	159	21	guidelines	guideline	NOUN
eistud-1088	159	22	,	,	PUNCT
eistud-1088	159	23	standards	standard	NOUN
eistud-1088	159	24	or	or	CCONJ
eistud-1088	159	25	specifications	specification	NOUN
eistud-1088	159	26	.	.	PUNCT
eistud-1088	160	1	compliance	compliance	NOUN
eistud-1088	160	2	includes	include	VERB
eistud-1088	160	3	concepts	concept	NOUN
eistud-1088	160	4	of	of	ADP
eistud-1088	160	5	obedience	obedience	NOUN
eistud-1088	160	6	,	,	PUNCT
eistud-1088	160	7	observance	observance	NOUN
eistud-1088	160	8	,	,	PUNCT
eistud-1088	160	9	deference	deference	NOUN
eistud-1088	160	10	,	,	PUNCT
eistud-1088	160	11	governable	governable	ADJ
eistud-1088	160	12	,	,	PUNCT
eistud-1088	160	13	amenable	amenable	ADJ
eistud-1088	160	14	,	,	PUNCT
eistud-1088	160	15	passive	passive	ADJ
eistud-1088	160	16	,	,	PUNCT
eistud-1088	160	17	non	non	ADJ
eistud-1088	160	18	-	-	NOUN
eistud-1088	160	19	resistance	resistance	NOUN
eistud-1088	160	20	and	and	CCONJ
eistud-1088	160	21	submission	submission	NOUN
eistud-1088	160	22	.	.	PUNCT
eistud-1088	161	1	linked	link	VERB
eistud-1088	161	2	to	to	ADP
eistud-1088	161	3	this	this	PRON
eistud-1088	161	4	are	be	AUX
eistud-1088	161	5	aspects	aspect	NOUN
eistud-1088	161	6	of	of	ADP
eistud-1088	161	7	duty	duty	NOUN
eistud-1088	161	8	that	that	PRON
eistud-1088	161	9	include	include	VERB
eistud-1088	161	10	doing	do	VERB
eistud-1088	161	11	what	what	PRON
eistud-1088	161	12	ought	ought	AUX
eistud-1088	161	13	to	to	PART
eistud-1088	161	14	be	be	AUX
eistud-1088	161	15	done	do	VERB
eistud-1088	161	16	,	,	PUNCT
eistud-1088	161	17	moral	moral	ADJ
eistud-1088	161	18	obligation	obligation	NOUN
eistud-1088	161	19	,	,	PUNCT
eistud-1088	161	20	accountability	accountability	NOUN
eistud-1088	161	21	,	,	PUNCT
eistud-1088	161	22	propriety	propriety	NOUN
eistud-1088	161	23	,	,	PUNCT
eistud-1088	161	24	fitness	fitness	NOUN
eistud-1088	161	25	,	,	PUNCT
eistud-1088	161	26	to	to	PART
eistud-1088	161	27	be	be	AUX
eistud-1088	161	28	on	on	ADP
eistud-1088	161	29	one	one	NUM
eistud-1088	161	30	’s	’s	PART
eistud-1088	161	31	good	good	ADJ
eistud-1088	161	32	behaviour	behaviour	NOUN
eistud-1088	161	33	,	,	PUNCT
eistud-1088	161	34	answerable	answerable	ADJ
eistud-1088	161	35	,	,	PUNCT
eistud-1088	161	36	to	to	PART
eistud-1088	161	37	act	act	VERB
eistud-1088	161	38	morally	morally	ADV
eistud-1088	161	39	and	and	CCONJ
eistud-1088	161	40	ethically	ethically	ADV
eistud-1088	161	41	.	.	PUNCT
eistud-1088	162	1	the	the	DET
eistud-1088	162	2	difficulty	difficulty	NOUN
eistud-1088	162	3	in	in	ADP
eistud-1088	162	4	defining	define	VERB
eistud-1088	162	5	compliance	compliance	NOUN
eistud-1088	162	6	with	with	ADP
eistud-1088	162	7	any	any	DET
eistud-1088	162	8	real	real	ADJ
eistud-1088	162	9	precision	precision	NOUN
eistud-1088	162	10	is	be	AUX
eistud-1088	162	11	noted	note	VERB
eistud-1088	162	12	by	by	ADP
eistud-1088	162	13	parker	parker	PROPN
eistud-1088	162	14	[	[	X
eistud-1088	162	15	edwards	edwards	PROPN
eistud-1088	162	16	,	,	PUNCT
eistud-1088	162	17	j.	j.	PROPN
eistud-1088	162	18	,	,	PUNCT
eistud-1088	162	19	2006	2006	NUM
eistud-1088	162	20	]	]	PUNCT
eistud-1088	162	21	.	.	PUNCT
eistud-1088	163	1	she	she	PRON
eistud-1088	163	2	advocated	advocate	VERB
eistud-1088	163	3	that	that	SCONJ
eistud-1088	163	4	the	the	DET
eistud-1088	163	5	term	term	NOUN
eistud-1088	163	6	“	"	PUNCT
eistud-1088	163	7	compliance	compliance	NOUN
eistud-1088	163	8	”	"	PUNCT
eistud-1088	163	9	is	be	AUX
eistud-1088	163	10	too	too	ADV
eistud-1088	163	11	passive	passive	ADJ
eistud-1088	163	12	to	to	PART
eistud-1088	163	13	indicate	indicate	VERB
eistud-1088	163	14	that	that	SCONJ
eistud-1088	163	15	it	it	PRON
eistud-1088	163	16	is	be	AUX
eistud-1088	163	17	engaged	engage	VERB
eistud-1088	163	18	with	with	ADP
eistud-1088	163	19	its	its	PRON
eistud-1088	163	20	legal	legal	ADJ
eistud-1088	163	21	,	,	PUNCT
eistud-1088	163	22	social	social	ADJ
eistud-1088	163	23	,	,	PUNCT
eistud-1088	163	24	environmental	environmental	ADJ
eistud-1088	163	25	and	and	CCONJ
eistud-1088	163	26	ethical	ethical	ADJ
eistud-1088	163	27	responsibilities	responsibility	NOUN
eistud-1088	163	28	.	.	PUNCT
eistud-1088	164	1	indeed	indeed	ADV
eistud-1088	164	2	,	,	PUNCT
eistud-1088	164	3	some	some	DET
eistud-1088	164	4	leading	lead	VERB
eistud-1088	164	5	compliance	compliance	NOUN
eistud-1088	164	6	consultants	consultant	NOUN
eistud-1088	164	7	prefer	prefer	VERB
eistud-1088	164	8	the	the	DET
eistud-1088	164	9	term	term	NOUN
eistud-1088	164	10	“	"	PUNCT
eistud-1088	164	11	integrity	integrity	NOUN
eistud-1088	164	12	programme	programme	NOUN
eistud-1088	164	13	”	"	PUNCT
eistud-1088	164	14	,	,	PUNCT
eistud-1088	164	15	because	because	SCONJ
eistud-1088	164	16	“	"	PUNCT
eistud-1088	164	17	compliance	compliance	NOUN
eistud-1088	164	18	”	"	PUNCT
eistud-1088	164	19	connotes	connote	VERB
eistud-1088	164	20	a	a	DET
eistud-1088	164	21	simplistic	simplistic	ADJ
eistud-1088	164	22	obedience	obedience	NOUN
eistud-1088	164	23	to	to	ADP
eistud-1088	164	24	rules	rule	NOUN
eistud-1088	164	25	rather	rather	ADV
eistud-1088	164	26	than	than	ADP
eistud-1088	164	27	engagement	engagement	VERB
eistud-1088	164	28	with	with	ADP
eistud-1088	164	29	ethical	ethical	ADJ
eistud-1088	164	30	and	and	CCONJ
eistud-1088	164	31	social	social	ADJ
eistud-1088	164	32	responsibilities	responsibility	NOUN
eistud-1088	164	33	.	.	PUNCT
eistud-1088	165	1	in	in	ADP
eistud-1088	165	2	2001	2001	NUM
eistud-1088	165	3	,	,	PUNCT
eistud-1088	165	4	belgian	belgian	ADJ
eistud-1088	165	5	regulator	regulator	NOUN
eistud-1088	165	6	defined	define	VERB
eistud-1088	165	7	“	"	PUNCT
eistud-1088	165	8	compliance	compliance	NOUN
eistud-1088	165	9	”	"	PUNCT
eistud-1088	165	10	as	as	ADP
eistud-1088	165	11	“	"	PUNCT
eistud-1088	165	12	the	the	DET
eistud-1088	165	13	actual	actual	ADJ
eistud-1088	165	14	implementation	implementation	NOUN
eistud-1088	165	15	of	of	ADP
eistud-1088	165	16	the	the	DET
eistud-1088	165	17	integrity	integrity	NOUN
eistud-1088	165	18	policy	policy	NOUN
eistud-1088	165	19	of	of	ADP
eistud-1088	165	20	the	the	DET
eistud-1088	165	21	financial	financial	ADJ
eistud-1088	165	22	institution	institution	NOUN
eistud-1088	165	23	”	"	PUNCT
eistud-1088	166	1	[	[	X
eistud-1088	166	2	verhage	verhage	NOUN
eistud-1088	166	3	,	,	PUNCT
eistud-1088	166	4	2009	2009	NUM
eistud-1088	166	5	]	]	PUNCT
eistud-1088	166	6	.	.	PUNCT
eistud-1088	167	1	implementing	implement	VERB
eistud-1088	167	2	anti	anti	ADJ
eistud-1088	167	3	money	money	NOUN
eistud-1088	167	4	laundering	laundering	NOUN
eistud-1088	167	5	procedures	procedure	NOUN
eistud-1088	167	6	is	be	AUX
eistud-1088	167	7	only	only	ADV
eistud-1088	167	8	one	one	NUM
eistud-1088	167	9	of	of	ADP
eistud-1088	167	10	the	the	DET
eistud-1088	167	11	many	many	ADJ
eistud-1088	167	12	duties	duty	NOUN
eistud-1088	167	13	of	of	ADP
eistud-1088	167	14	a	a	DET
eistud-1088	167	15	compliance	compliance	NOUN
eistud-1088	167	16	officer	officer	NOUN
eistud-1088	167	17	,	,	PUNCT
eistud-1088	167	18	as	as	SCONJ
eistud-1088	167	19	the	the	DET
eistud-1088	167	20	regulator	regulator	NOUN
eistud-1088	167	21	also	also	ADV
eistud-1088	167	22	mentions	mention	VERB
eistud-1088	167	23	a	a	DET
eistud-1088	167	24	number	number	NOUN
eistud-1088	167	25	of	of	ADP
eistud-1088	167	26	other	other	ADJ
eistud-1088	167	27	specific	specific	ADJ
eistud-1088	167	28	tasks	task	NOUN
eistud-1088	167	29	related	relate	VERB
eistud-1088	167	30	to	to	ADP
eistud-1088	167	31	integrity	integrity	NOUN
eistud-1088	167	32	policy	policy	NOUN
eistud-1088	167	33	:	:	PUNCT
eistud-1088	167	34	formulate	formulate	ADJ
eistud-1088	167	35	guidelines	guideline	NOUN
eistud-1088	167	36	for	for	ADP
eistud-1088	167	37	employees	employee	NOUN
eistud-1088	167	38	,	,	PUNCT
eistud-1088	167	39	development	development	NOUN
eistud-1088	167	40	of	of	ADP
eistud-1088	167	41	procedures	procedure	NOUN
eistud-1088	167	42	and	and	CCONJ
eistud-1088	167	43	codes	code	NOUN
eistud-1088	167	44	of	of	ADP
eistud-1088	167	45	ethics	ethic	NOUN
eistud-1088	167	46	,	,	PUNCT
eistud-1088	167	47	training	training	NOUN
eistud-1088	167	48	and	and	CCONJ
eistud-1088	167	49	enhancing	enhance	VERB
eistud-1088	167	50	the	the	DET
eistud-1088	167	51	awareness	awareness	NOUN
eistud-1088	167	52	of	of	ADP
eistud-1088	167	53	employees	employee	NOUN
eistud-1088	167	54	,	,	PUNCT
eistud-1088	167	55	establishing	establish	VERB
eistud-1088	167	56	and	and	CCONJ
eistud-1088	167	57	reporting	report	VERB
eistud-1088	167	58	incidents	incident	NOUN
eistud-1088	167	59	,	,	PUNCT
eistud-1088	167	60	investigation	investigation	NOUN
eistud-1088	167	61	of	of	ADP
eistud-1088	167	62	rule	rule	NOUN
eistud-1088	167	63	-	-	PUNCT
eistud-1088	167	64	violations	violation	NOUN
eistud-1088	167	65	,	,	PUNCT
eistud-1088	167	66	monitoring	monitoring	NOUN
eistud-1088	167	67	transactions	transaction	NOUN
eistud-1088	167	68	,	,	PUNCT
eistud-1088	167	69	client	client	NOUN
eistud-1088	167	70	-	-	PUNCT
eistud-1088	167	71	screening	screening	NOUN
eistud-1088	167	72	,	,	PUNCT
eistud-1088	167	73	gives	give	VERB
eistud-1088	167	74	advice	advice	NOUN
eistud-1088	167	75	on	on	ADP
eistud-1088	167	76	new	new	ADJ
eistud-1088	167	77	products	product	NOUN
eistud-1088	167	78	,	,	PUNCT
eistud-1088	167	79	follows	follow	VERB
eistud-1088	167	80	up	up	ADP
eistud-1088	167	81	on	on	ADP
eistud-1088	167	82	legislation	legislation	NOUN
eistud-1088	167	83	,	,	PUNCT
eistud-1088	167	84	developing	develop	VERB
eistud-1088	167	85	a	a	DET
eistud-1088	167	86	deontological	deontological	ADJ
eistud-1088	167	87	policy	policy	NOUN
eistud-1088	167	88	within	within	ADP
eistud-1088	167	89	the	the	DET
eistud-1088	167	90	organization	organization	NOUN
eistud-1088	167	91	.	.	PUNCT
eistud-1088	168	1	under	under	ADP
eistud-1088	168	2	this	this	DET
eistud-1088	168	3	approach	approach	NOUN
eistud-1088	168	4	banks	bank	NOUN
eistud-1088	168	5	can	can	AUX
eistud-1088	168	6	divide	divide	VERB
eistud-1088	168	7	business	business	NOUN
eistud-1088	168	8	conduct	conduct	NOUN
eistud-1088	168	9	in	in	ADP
eistud-1088	168	10	four	four	NUM
eistud-1088	168	11	related	relate	VERB
eistud-1088	168	12	integrity	integrity	NOUN
eistud-1088	168	13	risk	risk	NOUN
eistud-1088	168	14	areas	area	NOUN
eistud-1088	168	15	:	:	PUNCT
eistud-1088	168	16	client	client	NOUN
eistud-1088	168	17	,	,	PUNCT
eistud-1088	168	18	staff	staff	NOUN
eistud-1088	168	19	,	,	PUNCT
eistud-1088	168	20	and	and	CCONJ
eistud-1088	168	21	financial	financial	ADJ
eistud-1088	168	22	services	service	NOUN
eistud-1088	168	23	and	and	CCONJ
eistud-1088	168	24	organizational	organizational	ADJ
eistud-1088	168	25	.	.	PUNCT
eistud-1088	169	1	money	money	NOUN
eistud-1088	169	2	laundering	laundering	NOUN
eistud-1088	169	3	is	be	AUX
eistud-1088	169	4	most	most	ADV
eistud-1088	169	5	recognized	recognize	VERB
eistud-1088	169	6	in	in	ADP
eistud-1088	169	7	the	the	DET
eistud-1088	169	8	first	first	ADJ
eistud-1088	169	9	related	relate	VERB
eistud-1088	169	10	area	area	NOUN
eistud-1088	169	11	,	,	PUNCT
eistud-1088	169	12	market	market	NOUN
eistud-1088	169	13	abuse	abuse	NOUN
eistud-1088	169	14	and	and	CCONJ
eistud-1088	169	15	personal	personal	ADJ
eistud-1088	169	16	trading	trading	NOUN
eistud-1088	169	17	in	in	ADP
eistud-1088	169	18	the	the	DET
eistud-1088	169	19	second	second	ADJ
eistud-1088	169	20	,	,	PUNCT
eistud-1088	169	21	transparency	transparency	NOUN
eistud-1088	169	22	of	of	ADP
eistud-1088	169	23	product	product	NOUN
eistud-1088	169	24	offering	offering	NOUN
eistud-1088	169	25	in	in	ADP
eistud-1088	169	26	the	the	DET
eistud-1088	169	27	third	third	ADJ
eistud-1088	169	28	,	,	PUNCT
eistud-1088	169	29	and	and	CCONJ
eistud-1088	169	30	agreed	agree	VERB
eistud-1088	169	31	sector	sector	NOUN
eistud-1088	169	32	/	/	SYM
eistud-1088	169	33	industry	industry	NOUN
eistud-1088	169	34	standards	standard	NOUN
eistud-1088	169	35	in	in	ADP
eistud-1088	169	36	the	the	DET
eistud-1088	169	37	fourth	fourth	ADJ
eistud-1088	169	38	[	[	X
eistud-1088	169	39	ing	ing	ADJ
eistud-1088	169	40	,	,	PUNCT
eistud-1088	169	41	2009	2009	NUM
eistud-1088	169	42	]	]	PUNCT
eistud-1088	169	43	.	.	PUNCT
eistud-1088	170	1	pricewaterhouse	pricewaterhouse	NOUN
eistud-1088	170	2	coopers	cooper	NOUN
eistud-1088	170	3	(	(	PUNCT
eistud-1088	170	4	2002	2002	NUM
eistud-1088	170	5	)	)	PUNCT
eistud-1088	170	6	undertook	undertake	VERB
eistud-1088	170	7	study	study	NOUN
eistud-1088	170	8	and	and	CCONJ
eistud-1088	170	9	found	find	VERB
eistud-1088	170	10	a	a	DET
eistud-1088	170	11	widespread	widespread	ADJ
eistud-1088	170	12	understanding	understanding	NOUN
eistud-1088	170	13	that	that	SCONJ
eistud-1088	170	14	compliance	compliance	NOUN
eistud-1088	170	15	meant	mean	VERB
eistud-1088	170	16	respecting	respect	VERB
eistud-1088	170	17	all	all	DET
eistud-1088	170	18	the	the	DET
eistud-1088	170	19	regulations	regulation	NOUN
eistud-1088	170	20	and	and	CCONJ
eistud-1088	170	21	supervisory	supervisory	ADJ
eistud-1088	170	22	expectations	expectation	NOUN
eistud-1088	170	23	relevant	relevant	ADJ
eistud-1088	170	24	to	to	ADP
eistud-1088	170	25	a	a	DET
eistud-1088	170	26	financial	financial	ADJ
eistud-1088	170	27	institution	institution	NOUN
eistud-1088	170	28	and	and	CCONJ
eistud-1088	170	29	used	use	VERB
eistud-1088	170	30	this	this	PRON
eistud-1088	170	31	as	as	ADP
eistud-1088	170	32	a	a	DET
eistud-1088	170	33	working	work	VERB
eistud-1088	170	34	definition	definition	NOUN
eistud-1088	170	35	of	of	ADP
eistud-1088	170	36	compliance	compliance	NOUN
eistud-1088	170	37	.	.	PUNCT
eistud-1088	171	1	basel	basel	PROPN
eistud-1088	171	2	committee	committee	PROPN
eistud-1088	171	3	on	on	ADP
eistud-1088	171	4	banking	banking	NOUN
eistud-1088	171	5	supervision	supervision	NOUN
eistud-1088	171	6	is	be	AUX
eistud-1088	171	7	leading	lead	VERB
eistud-1088	171	8	international	international	ADJ
eistud-1088	171	9	institution	institution	NOUN
eistud-1088	171	10	setting	set	VERB
eistud-1088	171	11	up	up	ADP
eistud-1088	171	12	high	high	ADJ
eistud-1088	171	13	-	-	PUNCT
eistud-1088	171	14	level	level	NOUN
eistud-1088	171	15	compliance	compliance	NOUN
eistud-1088	171	16	principles	principle	NOUN
eistud-1088	171	17	on	on	ADP
eistud-1088	171	18	bank	bank	NOUN
eistud-1088	171	19	’s	’s	PART
eistud-1088	171	20	management	management	NOUN
eistud-1088	171	21	of	of	ADP
eistud-1088	171	22	compliance	compliance	NOUN
eistud-1088	171	23	risk	risk	NOUN
eistud-1088	171	24	.	.	PUNCT
eistud-1088	172	1	in	in	ADP
eistud-1088	172	2	2005	2005	NUM
eistud-1088	172	3	basel	basel	PROPN
eistud-1088	172	4	committee	committee	PROPN
eistud-1088	172	5	provided	provide	VERB
eistud-1088	172	6	definition	definition	NOUN
eistud-1088	172	7	of	of	ADP
eistud-1088	172	8	the	the	DET
eistud-1088	172	9	compliance	compliance	NOUN
eistud-1088	172	10	risk	risk	NOUN
eistud-1088	172	11	,	,	PUNCT
eistud-1088	172	12	which	which	PRON
eistud-1088	172	13	is	be	AUX
eistud-1088	172	14	defined	define	VERB
eistud-1088	172	15	as	as	ADP
eistud-1088	172	16	the	the	DET
eistud-1088	172	17	risk	risk	NOUN
eistud-1088	172	18	of	of	ADP
eistud-1088	172	19	legal	legal	ADJ
eistud-1088	172	20	or	or	CCONJ
eistud-1088	172	21	regulatory	regulatory	ADJ
eistud-1088	172	22	sanctions	sanction	NOUN
eistud-1088	172	23	,	,	PUNCT
eistud-1088	172	24	material	material	ADJ
eistud-1088	172	25	financial	financial	ADJ
eistud-1088	172	26	loss	loss	NOUN
eistud-1088	172	27	,	,	PUNCT
eistud-1088	172	28	or	or	CCONJ
eistud-1088	172	29	loss	loss	NOUN
eistud-1088	172	30	to	to	ADP
eistud-1088	172	31	reputation	reputation	NOUN
eistud-1088	172	32	a	a	DET
eistud-1088	172	33	bank	bank	NOUN
eistud-1088	172	34	may	may	AUX
eistud-1088	172	35	suffer	suffer	VERB
eistud-1088	172	36	as	as	ADP
eistud-1088	172	37	a	a	DET
eistud-1088	172	38	result	result	NOUN
eistud-1088	172	39	of	of	ADP
eistud-1088	172	40	its	its	PRON
eistud-1088	172	41	failure	failure	NOUN
eistud-1088	172	42	to	to	PART
eistud-1088	172	43	comply	comply	VERB
eistud-1088	172	44	with	with	ADP
eistud-1088	172	45	laws	law	NOUN
eistud-1088	172	46	,	,	PUNCT
eistud-1088	172	47	regulations	regulation	NOUN
eistud-1088	172	48	,	,	PUNCT
eistud-1088	172	49	rules	rule	NOUN
eistud-1088	172	50	,	,	PUNCT
eistud-1088	172	51	related	relate	VERB
eistud-1088	172	52	self	self	NOUN
eistud-1088	172	53	-	-	PUNCT
eistud-1088	172	54	regulatory	regulatory	ADJ
eistud-1088	172	55	organization	organization	NOUN
eistud-1088	172	56	standards	standard	NOUN
eistud-1088	172	57	,	,	PUNCT
eistud-1088	172	58	and	and	CCONJ
eistud-1088	172	59	codes	code	NOUN
eistud-1088	172	60	of	of	ADP
eistud-1088	172	61	conduct	conduct	NOUN
eistud-1088	172	62	applicable	applicable	ADJ
eistud-1088	172	63	to	to	ADP
eistud-1088	172	64	its	its	PRON
eistud-1088	172	65	banking	banking	NOUN
eistud-1088	172	66	activities	activity	NOUN
eistud-1088	172	67	(	(	PUNCT
eistud-1088	172	68	together	together	ADV
eistud-1088	172	69	,	,	PUNCT
eistud-1088	172	70	“	"	PUNCT
eistud-1088	172	71	compliance	compliance	NOUN
eistud-1088	172	72	laws	law	NOUN
eistud-1088	172	73	,	,	PUNCT
eistud-1088	172	74	rules	rule	NOUN
eistud-1088	172	75	and	and	CCONJ
eistud-1088	172	76	standard	standard	NOUN
eistud-1088	172	77	”	"	PUNCT
eistud-1088	172	78	)	)	PUNCT
eistud-1088	172	79	.	.	PUNCT
eistud-1088	173	1	regulators	regulator	NOUN
eistud-1088	173	2	for	for	ADP
eistud-1088	173	3	financial	financial	ADJ
eistud-1088	173	4	services	service	NOUN
eistud-1088	173	5	have	have	VERB
eistud-1088	173	6	framed	frame	VERB
eistud-1088	173	7	compliance	compliance	NOUN
eistud-1088	173	8	within	within	ADP
eistud-1088	173	9	number	number	NOUN
eistud-1088	173	10	of	of	ADP
eistud-1088	173	11	terms	term	NOUN
eistud-1088	173	12	and	and	CCONJ
eistud-1088	173	13	concepts	concept	NOUN
eistud-1088	173	14	.	.	PUNCT
eistud-1088	174	1	the	the	DET
eistud-1088	174	2	key	key	ADJ
eistud-1088	174	3	regulatory	regulatory	ADJ
eistud-1088	174	4	concepts	concept	NOUN
eistud-1088	174	5	that	that	PRON
eistud-1088	174	6	comprise	comprise	VERB
eistud-1088	174	7	compliance	compliance	NOUN
eistud-1088	174	8	are	be	AUX
eistud-1088	174	9	defined	define	VERB
eistud-1088	174	10	by	by	ADP
eistud-1088	174	11	mills	mill	NOUN
eistud-1088	174	12	(	(	PUNCT
eistud-1088	174	13	2008	2008	NUM
eistud-1088	174	14	)	)	PUNCT
eistud-1088	174	15	as	as	ADP
eistud-1088	174	16	:	:	PUNCT
eistud-1088	174	17	compliance	compliance	NOUN
eistud-1088	174	18	risk	risk	NOUN
eistud-1088	174	19	;	;	PUNCT
eistud-1088	174	20	reputational	reputational	ADJ
eistud-1088	174	21	risk	risk	NOUN
eistud-1088	174	22	;	;	PUNCT
eistud-1088	174	23	regulatory	regulatory	ADJ
eistud-1088	174	24	sanctions	sanction	NOUN
eistud-1088	174	25	;	;	PUNCT
eistud-1088	174	26	compliance	compliance	NOUN
eistud-1088	174	27	laws	law	NOUN
eistud-1088	174	28	,	,	PUNCT
eistud-1088	174	29	rules	rule	NOUN
eistud-1088	174	30	and	and	CCONJ
eistud-1088	174	31	standards	standard	NOUN
eistud-1088	174	32	;	;	PUNCT
eistud-1088	174	33	compliance	compliance	NOUN
eistud-1088	174	34	function	function	NOUN
eistud-1088	174	35	;	;	PUNCT
eistud-1088	174	36	compliance	compliance	NOUN
eistud-1088	174	37	universe	universe	NOUN
eistud-1088	174	38	;	;	PUNCT
eistud-1088	174	39	compliance	compliance	NOUN
eistud-1088	174	40	department	department	NOUN
eistud-1088	174	41	;	;	PUNCT
eistud-1088	174	42	compliance	compliance	NOUN
eistud-1088	174	43	officer	officer	NOUN
eistud-1088	174	44	;	;	PUNCT
eistud-1088	174	45	compliance	compliance	NOUN
eistud-1088	174	46	culture	culture	NOUN
eistud-1088	174	47	;	;	PUNCT
eistud-1088	175	1	cost	cost	NOUN
eistud-1088	175	2	of	of	ADP
eistud-1088	175	3	compliance	compliance	NOUN
eistud-1088	175	4	.	.	PUNCT
eistud-1088	176	1	regulatory	regulatory	ADJ
eistud-1088	176	2	authorities	authority	NOUN
eistud-1088	176	3	in	in	ADP
eistud-1088	176	4	the	the	DET
eistud-1088	176	5	united	united	PROPN
eistud-1088	176	6	states	states	PROPN
eistud-1088	176	7	(	(	PUNCT
eistud-1088	176	8	us	us	PROPN
eistud-1088	176	9	fdic	fdic	PROPN
eistud-1088	176	10	,	,	PUNCT
eistud-1088	176	11	us	us	PROPN
eistud-1088	176	12	fed	fed	PROPN
eistud-1088	176	13	)	)	PUNCT
eistud-1088	176	14	are	be	AUX
eistud-1088	176	15	issn	issn	PROPN
eistud-1088	176	16	1822–8402	1822–8402	NUM
eistud-1088	176	17	european	european	ADJ
eistud-1088	176	18	integration	integration	NOUN
eistud-1088	176	19	studies	study	NOUN
eistud-1088	176	20	.	.	PUNCT
eistud-1088	177	1	2011	2011	NUM
eistud-1088	177	2	.	.	PUNCT
eistud-1088	178	1	no	no	DET
eistud-1088	178	2	5	5	NUM
eistud-1088	178	3	136	136	NUM
eistud-1088	178	4	requesting	request	VERB
eistud-1088	178	5	two	two	NUM
eistud-1088	178	6	very	very	ADV
eistud-1088	178	7	important	important	ADJ
eistud-1088	178	8	concepts	concept	NOUN
eistud-1088	178	9	:	:	PUNCT
eistud-1088	178	10	compliance	compliance	NOUN
eistud-1088	178	11	management	management	NOUN
eistud-1088	178	12	system	system	NOUN
eistud-1088	178	13	and	and	CCONJ
eistud-1088	178	14	compliance	compliance	NOUN
eistud-1088	178	15	programs	program	NOUN
eistud-1088	178	16	.	.	PUNCT
eistud-1088	179	1	a	a	DET
eistud-1088	179	2	number	number	NOUN
eistud-1088	179	3	of	of	ADP
eistud-1088	179	4	services	service	NOUN
eistud-1088	179	5	and	and	CCONJ
eistud-1088	179	6	instruments	instrument	NOUN
eistud-1088	179	7	have	have	AUX
eistud-1088	179	8	been	be	AUX
eistud-1088	179	9	developed	develop	VERB
eistud-1088	179	10	in	in	ADP
eistud-1088	179	11	support	support	NOUN
eistud-1088	179	12	of	of	ADP
eistud-1088	179	13	these	these	DET
eistud-1088	179	14	obligations	obligation	NOUN
eistud-1088	179	15	(	(	PUNCT
eistud-1088	179	16	for	for	ADP
eistud-1088	179	17	example	example	NOUN
eistud-1088	179	18	,	,	PUNCT
eistud-1088	179	19	the	the	DET
eistud-1088	179	20	automated	automate	VERB
eistud-1088	179	21	monitoring	monitoring	NOUN
eistud-1088	179	22	devices	device	NOUN
eistud-1088	179	23	for	for	ADP
eistud-1088	179	24	banks	bank	NOUN
eistud-1088	179	25	,	,	PUNCT
eistud-1088	179	26	or	or	CCONJ
eistud-1088	179	27	software	software	NOUN
eistud-1088	179	28	,	,	PUNCT
eistud-1088	179	29	providing	provide	VERB
eistud-1088	179	30	lists	list	NOUN
eistud-1088	179	31	of	of	ADP
eistud-1088	179	32	“	"	PUNCT
eistud-1088	179	33	suspicious	suspicious	ADJ
eistud-1088	179	34	”	"	PUNCT
eistud-1088	179	35	individuals	individual	NOUN
eistud-1088	179	36	)	)	PUNCT
eistud-1088	179	37	–	–	PUNCT
eistud-1088	179	38	which	which	PRON
eistud-1088	179	39	results	result	VERB
eistud-1088	179	40	in	in	ADP
eistud-1088	179	41	the	the	DET
eistud-1088	179	42	supply	supply	NOUN
eistud-1088	179	43	part	part	NOUN
eistud-1088	179	44	of	of	ADP
eistud-1088	179	45	a	a	DET
eistud-1088	179	46	market	market	NOUN
eistud-1088	179	47	in	in	ADP
eistud-1088	179	48	compliance	compliance	NOUN
eistud-1088	179	49	support	support	NOUN
eistud-1088	179	50	–	–	PUNCT
eistud-1088	179	51	referred	refer	VERB
eistud-1088	179	52	to	to	ADP
eistud-1088	179	53	in	in	ADP
eistud-1088	179	54	our	our	PRON
eistud-1088	179	55	research	research	NOUN
eistud-1088	179	56	as	as	ADP
eistud-1088	179	57	the	the	DET
eistud-1088	179	58	“	"	PUNCT
eistud-1088	179	59	compliance	compliance	NOUN
eistud-1088	179	60	industry	industry	NOUN
eistud-1088	179	61	”	"	PUNCT
eistud-1088	180	1	[	[	X
eistud-1088	180	2	verhage	verhage	NOUN
eistud-1088	180	3	,	,	PUNCT
eistud-1088	180	4	2009	2009	NUM
eistud-1088	180	5	]	]	PUNCT
eistud-1088	180	6	.	.	PUNCT
eistud-1088	181	1	basel	basel	PROPN
eistud-1088	181	2	committee	committee	PROPN
eistud-1088	181	3	(	(	PUNCT
eistud-1088	181	4	2005	2005	NUM
eistud-1088	181	5	)	)	PUNCT
eistud-1088	181	6	states	state	VERB
eistud-1088	181	7	that	that	SCONJ
eistud-1088	181	8	compliance	compliance	NOUN
eistud-1088	181	9	laws	law	NOUN
eistud-1088	181	10	,	,	PUNCT
eistud-1088	181	11	rules	rule	NOUN
eistud-1088	181	12	and	and	CCONJ
eistud-1088	181	13	standards	standard	NOUN
eistud-1088	181	14	generally	generally	ADV
eistud-1088	181	15	cover	cover	VERB
eistud-1088	181	16	matters	matter	NOUN
eistud-1088	181	17	such	such	ADJ
eistud-1088	181	18	as	as	ADP
eistud-1088	181	19	observing	observe	VERB
eistud-1088	181	20	proper	proper	ADJ
eistud-1088	181	21	standards	standard	NOUN
eistud-1088	181	22	of	of	ADP
eistud-1088	181	23	market	market	NOUN
eistud-1088	181	24	conduct	conduct	NOUN
eistud-1088	181	25	,	,	PUNCT
eistud-1088	181	26	managing	manage	VERB
eistud-1088	181	27	conflicts	conflict	NOUN
eistud-1088	181	28	of	of	ADP
eistud-1088	181	29	interest	interest	NOUN
eistud-1088	181	30	,	,	PUNCT
eistud-1088	181	31	money	money	NOUN
eistud-1088	181	32	laundering	laundering	NOUN
eistud-1088	181	33	,	,	PUNCT
eistud-1088	181	34	treating	treat	VERB
eistud-1088	181	35	customers	customer	NOUN
eistud-1088	181	36	fairly	fairly	ADV
eistud-1088	181	37	,	,	PUNCT
eistud-1088	181	38	and	and	CCONJ
eistud-1088	181	39	ensuring	ensure	VERB
eistud-1088	181	40	the	the	DET
eistud-1088	181	41	suitability	suitability	NOUN
eistud-1088	181	42	of	of	ADP
eistud-1088	181	43	customer	customer	NOUN
eistud-1088	181	44	advice	advice	NOUN
eistud-1088	181	45	.	.	PUNCT
eistud-1088	182	1	compliance	compliance	NOUN
eistud-1088	182	2	laws	law	NOUN
eistud-1088	182	3	,	,	PUNCT
eistud-1088	182	4	rules	rule	NOUN
eistud-1088	182	5	and	and	CCONJ
eistud-1088	182	6	standards	standard	NOUN
eistud-1088	182	7	have	have	VERB
eistud-1088	182	8	various	various	ADJ
eistud-1088	182	9	sources	source	NOUN
eistud-1088	182	10	,	,	PUNCT
eistud-1088	182	11	including	include	VERB
eistud-1088	182	12	primary	primary	ADJ
eistud-1088	182	13	legislation	legislation	NOUN
eistud-1088	182	14	,	,	PUNCT
eistud-1088	182	15	rules	rule	NOUN
eistud-1088	182	16	and	and	CCONJ
eistud-1088	182	17	standards	standard	NOUN
eistud-1088	182	18	issued	issue	VERB
eistud-1088	182	19	by	by	ADP
eistud-1088	182	20	legislators	legislator	NOUN
eistud-1088	182	21	and	and	CCONJ
eistud-1088	182	22	supervisors	supervisor	NOUN
eistud-1088	182	23	,	,	PUNCT
eistud-1088	182	24	market	market	NOUN
eistud-1088	182	25	conventions	convention	NOUN
eistud-1088	182	26	,	,	PUNCT
eistud-1088	182	27	codes	code	NOUN
eistud-1088	182	28	of	of	ADP
eistud-1088	182	29	practice	practice	NOUN
eistud-1088	182	30	promoted	promote	VERB
eistud-1088	182	31	by	by	ADP
eistud-1088	182	32	industry	industry	NOUN
eistud-1088	182	33	associations	association	NOUN
eistud-1088	182	34	,	,	PUNCT
eistud-1088	182	35	and	and	CCONJ
eistud-1088	182	36	internal	internal	ADJ
eistud-1088	182	37	codes	code	NOUN
eistud-1088	182	38	of	of	ADP
eistud-1088	182	39	conduct	conduct	NOUN
eistud-1088	182	40	applicable	applicable	ADJ
eistud-1088	182	41	to	to	ADP
eistud-1088	182	42	the	the	DET
eistud-1088	182	43	staff	staff	NOUN
eistud-1088	182	44	members	member	NOUN
eistud-1088	182	45	of	of	ADP
eistud-1088	182	46	the	the	DET
eistud-1088	182	47	bank	bank	NOUN
eistud-1088	182	48	.	.	PUNCT
eistud-1088	183	1	for	for	ADP
eistud-1088	183	2	the	the	DET
eistud-1088	183	3	reasons	reason	NOUN
eistud-1088	183	4	mentioned	mention	VERB
eistud-1088	183	5	above	above	ADV
eistud-1088	183	6	,	,	PUNCT
eistud-1088	183	7	these	these	PRON
eistud-1088	183	8	are	be	AUX
eistud-1088	183	9	likely	likely	ADJ
eistud-1088	183	10	to	to	PART
eistud-1088	183	11	go	go	VERB
eistud-1088	183	12	beyond	beyond	ADP
eistud-1088	183	13	what	what	PRON
eistud-1088	183	14	is	be	AUX
eistud-1088	183	15	legally	legally	ADV
eistud-1088	183	16	binding	binding	ADJ
eistud-1088	183	17	and	and	CCONJ
eistud-1088	183	18	embrace	embrace	VERB
eistud-1088	183	19	broader	broad	ADJ
eistud-1088	183	20	standards	standard	NOUN
eistud-1088	183	21	of	of	ADP
eistud-1088	183	22	integrity	integrity	NOUN
eistud-1088	183	23	and	and	CCONJ
eistud-1088	183	24	ethical	ethical	ADJ
eistud-1088	183	25	conduct	conduct	NOUN
eistud-1088	183	26	.	.	PUNCT
eistud-1088	184	1	in	in	ADP
eistud-1088	184	2	a	a	DET
eistud-1088	184	3	globalised	globalise	VERB
eistud-1088	184	4	financial	financial	ADJ
eistud-1088	184	5	services	service	NOUN
eistud-1088	184	6	industry	industry	NOUN
eistud-1088	184	7	,	,	PUNCT
eistud-1088	184	8	the	the	DET
eistud-1088	184	9	regulations	regulation	NOUN
eistud-1088	184	10	driving	drive	VERB
eistud-1088	184	11	compliance	compliance	NOUN
eistud-1088	184	12	include	include	VERB
eistud-1088	184	13	among	among	ADP
eistud-1088	184	14	those	those	DET
eistud-1088	184	15	regulations	regulation	NOUN
eistud-1088	184	16	that	that	PRON
eistud-1088	184	17	are	be	AUX
eistud-1088	184	18	imposed	impose	VERB
eistud-1088	184	19	at	at	ADP
eistud-1088	184	20	the	the	DET
eistud-1088	184	21	international	international	ADJ
eistud-1088	184	22	level	level	NOUN
eistud-1088	184	23	and	and	CCONJ
eistud-1088	184	24	are	be	AUX
eistud-1088	184	25	imposed	impose	VERB
eistud-1088	184	26	at	at	ADP
eistud-1088	184	27	the	the	DET
eistud-1088	184	28	eu	eu	PROPN
eistud-1088	184	29	level	level	NOUN
eistud-1088	184	30	.	.	PUNCT
eistud-1088	185	1	in	in	ADP
eistud-1088	185	2	a	a	DET
eistud-1088	185	3	context	context	NOUN
eistud-1088	185	4	of	of	ADP
eistud-1088	185	5	eu	eu	PROPN
eistud-1088	185	6	,	,	PUNCT
eistud-1088	185	7	study	study	VERB
eistud-1088	185	8	in	in	ADP
eistud-1088	185	9	2009	2009	NUM
eistud-1088	185	10	used	use	VERB
eistud-1088	185	11	some	some	DET
eistud-1088	185	12	particularly	particularly	ADV
eistud-1088	185	13	important	important	ADJ
eistud-1088	185	14	fsap	fsap	NOUN
eistud-1088	185	15	measures	measure	NOUN
eistud-1088	185	16	(	(	PUNCT
eistud-1088	185	17	the	the	DET
eistud-1088	185	18	selected	select	VERB
eistud-1088	185	19	directives	directive	NOUN
eistud-1088	185	20	)	)	PUNCT
eistud-1088	185	21	that	that	PRON
eistud-1088	185	22	are	be	AUX
eistud-1088	185	23	making	make	VERB
eistud-1088	185	24	compliance	compliance	NOUN
eistud-1088	185	25	landscape	landscape	NOUN
eistud-1088	185	26	:	:	PUNCT
eistud-1088	185	27	the	the	DET
eistud-1088	185	28	prospectus	prospectus	NOUN
eistud-1088	185	29	directive	directive	NOUN
eistud-1088	185	30	;	;	PUNCT
eistud-1088	185	31	the	the	DET
eistud-1088	185	32	financial	financial	ADJ
eistud-1088	185	33	conglomerates	conglomerate	NOUN
eistud-1088	185	34	directive	directive	NOUN
eistud-1088	185	35	;	;	PUNCT
eistud-1088	185	36	the	the	DET
eistud-1088	185	37	capital	capital	NOUN
eistud-1088	185	38	requirements	requirement	NOUN
eistud-1088	185	39	directives	directive	NOUN
eistud-1088	185	40	(	(	PUNCT
eistud-1088	185	41	the	the	DET
eistud-1088	185	42	crds	crd	NOUN
eistud-1088	185	43	)	)	PUNCT
eistud-1088	185	44	;	;	PUNCT
eistud-1088	185	45	the	the	DET
eistud-1088	185	46	transparency	transparency	NOUN
eistud-1088	185	47	directive	directive	NOUN
eistud-1088	185	48	;	;	PUNCT
eistud-1088	185	49	the	the	DET
eistud-1088	185	50	markets	market	NOUN
eistud-1088	185	51	in	in	ADP
eistud-1088	185	52	financial	financial	ADJ
eistud-1088	185	53	instruments	instrument	NOUN
eistud-1088	185	54	directive	directive	NOUN
eistud-1088	185	55	(	(	PUNCT
eistud-1088	185	56	mifid	mifid	ADJ
eistud-1088	185	57	)	)	PUNCT
eistud-1088	185	58	;	;	PUNCT
eistud-1088	185	59	the	the	DET
eistud-1088	185	60	third	third	ADJ
eistud-1088	185	61	anti	anti	ADJ
eistud-1088	185	62	-	-	ADJ
eistud-1088	185	63	money	money	ADJ
eistud-1088	185	64	laundering	laundering	NOUN
eistud-1088	185	65	directive	directive	NOUN
eistud-1088	185	66	(	(	PUNCT
eistud-1088	185	67	3amld	3amld	NUM
eistud-1088	185	68	)	)	PUNCT
eistud-1088	185	69	.	.	PUNCT
eistud-1088	186	1	in	in	ADP
eistud-1088	186	2	2008	2008	NUM
eistud-1088	186	3	basel	basel	PROPN
eistud-1088	186	4	committee	committee	PROPN
eistud-1088	186	5	organized	organize	VERB
eistud-1088	186	6	a	a	DET
eistud-1088	186	7	survey	survey	NOUN
eistud-1088	186	8	“	"	PUNCT
eistud-1088	186	9	implementation	implementation	NOUN
eistud-1088	186	10	of	of	ADP
eistud-1088	186	11	the	the	DET
eistud-1088	186	12	compliance	compliance	NOUN
eistud-1088	186	13	principles	principle	NOUN
eistud-1088	186	14	”	"	PUNCT
eistud-1088	186	15	.	.	PUNCT
eistud-1088	187	1	eight	eight	NUM
eistud-1088	187	2	committee	committee	NOUN
eistud-1088	187	3	member	member	NOUN
eistud-1088	187	4	countries	country	NOUN
eistud-1088	187	5	and	and	CCONJ
eistud-1088	187	6	16	16	NUM
eistud-1088	187	7	countries	country	NOUN
eistud-1088	187	8	that	that	PRON
eistud-1088	187	9	are	be	AUX
eistud-1088	187	10	not	not	PART
eistud-1088	187	11	members	member	NOUN
eistud-1088	187	12	of	of	ADP
eistud-1088	187	13	the	the	DET
eistud-1088	187	14	committee	committee	NOUN
eistud-1088	187	15	participated	participate	VERB
eistud-1088	187	16	in	in	ADP
eistud-1088	187	17	the	the	DET
eistud-1088	187	18	survey	survey	NOUN
eistud-1088	187	19	.	.	PUNCT
eistud-1088	188	1	respondents	respondent	NOUN
eistud-1088	188	2	from	from	ADP
eistud-1088	188	3	21	21	NUM
eistud-1088	188	4	jurisdictions	jurisdiction	NOUN
eistud-1088	188	5	underlined	underline	VERB
eistud-1088	188	6	two	two	NUM
eistud-1088	188	7	major	major	ADJ
eistud-1088	188	8	issues	issue	NOUN
eistud-1088	188	9	they	they	PRON
eistud-1088	188	10	had	have	VERB
eistud-1088	188	11	to	to	PART
eistud-1088	188	12	face	face	VERB
eistud-1088	188	13	when	when	SCONJ
eistud-1088	188	14	implementing	implement	VERB
eistud-1088	188	15	compliance	compliance	NOUN
eistud-1088	188	16	framework	framework	NOUN
eistud-1088	188	17	.	.	PUNCT
eistud-1088	189	1	one	one	NUM
eistud-1088	189	2	of	of	ADP
eistud-1088	189	3	these	these	DET
eistud-1088	189	4	issues	issue	NOUN
eistud-1088	189	5	,	,	PUNCT
eistud-1088	189	6	which	which	PRON
eistud-1088	189	7	relates	relate	VERB
eistud-1088	189	8	to	to	ADP
eistud-1088	189	9	small	small	ADJ
eistud-1088	189	10	and	and	CCONJ
eistud-1088	189	11	medium	medium	ADJ
eistud-1088	189	12	-	-	PUNCT
eistud-1088	189	13	size	size	NOUN
eistud-1088	189	14	institutions	institution	NOUN
eistud-1088	189	15	in	in	ADP
eistud-1088	189	16	particular	particular	ADJ
eistud-1088	189	17	,	,	PUNCT
eistud-1088	189	18	was	be	AUX
eistud-1088	189	19	how	how	SCONJ
eistud-1088	189	20	banks	bank	NOUN
eistud-1088	189	21	should	should	AUX
eistud-1088	189	22	organize	organize	VERB
eistud-1088	189	23	their	their	PRON
eistud-1088	189	24	compliance	compliance	NOUN
eistud-1088	189	25	function	function	NOUN
eistud-1088	189	26	.	.	PUNCT
eistud-1088	190	1	this	this	PRON
eistud-1088	190	2	includes	include	VERB
eistud-1088	190	3	,	,	PUNCT
eistud-1088	190	4	for	for	ADP
eistud-1088	190	5	instance	instance	NOUN
eistud-1088	190	6	,	,	PUNCT
eistud-1088	190	7	the	the	DET
eistud-1088	190	8	determination	determination	NOUN
eistud-1088	190	9	of	of	ADP
eistud-1088	190	10	what	what	PRON
eistud-1088	190	11	are	be	AUX
eistud-1088	190	12	the	the	DET
eistud-1088	190	13	appropriate	appropriate	ADJ
eistud-1088	190	14	resources	resource	NOUN
eistud-1088	190	15	for	for	ADP
eistud-1088	190	16	compliance	compliance	NOUN
eistud-1088	190	17	function	function	NOUN
eistud-1088	190	18	in	in	ADP
eistud-1088	190	19	relation	relation	NOUN
eistud-1088	190	20	to	to	ADP
eistud-1088	190	21	the	the	DET
eistud-1088	190	22	size	size	NOUN
eistud-1088	190	23	,	,	PUNCT
eistud-1088	190	24	complexity	complexity	NOUN
eistud-1088	190	25	and	and	CCONJ
eistud-1088	190	26	nature	nature	NOUN
eistud-1088	190	27	of	of	ADP
eistud-1088	190	28	the	the	DET
eistud-1088	190	29	business	business	NOUN
eistud-1088	190	30	;	;	PUNCT
eistud-1088	190	31	the	the	DET
eistud-1088	190	32	relationship	relationship	NOUN
eistud-1088	190	33	between	between	ADP
eistud-1088	190	34	internal	internal	ADJ
eistud-1088	190	35	audit	audit	NOUN
eistud-1088	190	36	and	and	CCONJ
eistud-1088	190	37	compliance	compliance	NOUN
eistud-1088	190	38	;	;	PUNCT
eistud-1088	190	39	the	the	DET
eistud-1088	190	40	independence	independence	NOUN
eistud-1088	190	41	of	of	ADP
eistud-1088	190	42	the	the	DET
eistud-1088	190	43	compliance	compliance	NOUN
eistud-1088	190	44	function	function	NOUN
eistud-1088	190	45	.	.	PUNCT
eistud-1088	191	1	another	another	DET
eistud-1088	191	2	issue	issue	NOUN
eistud-1088	191	3	was	be	AUX
eistud-1088	191	4	the	the	DET
eistud-1088	191	5	scope	scope	NOUN
eistud-1088	191	6	of	of	ADP
eistud-1088	191	7	compliance	compliance	NOUN
eistud-1088	191	8	function	function	NOUN
eistud-1088	191	9	.	.	PUNCT
eistud-1088	192	1	basel	basel	PROPN
eistud-1088	192	2	committee	committee	PROPN
eistud-1088	192	3	urged	urge	VERB
eistud-1088	192	4	also	also	ADV
eistud-1088	192	5	other	other	ADJ
eistud-1088	192	6	countries	country	NOUN
eistud-1088	192	7	to	to	PART
eistud-1088	192	8	assess	assess	VERB
eistud-1088	192	9	the	the	DET
eistud-1088	192	10	implementation	implementation	NOUN
eistud-1088	192	11	of	of	ADP
eistud-1088	192	12	compliance	compliance	NOUN
eistud-1088	192	13	principles	principle	NOUN
eistud-1088	192	14	.	.	PUNCT
eistud-1088	193	1	latvia	latvia	PROPN
eistud-1088	193	2	implemented	implement	VERB
eistud-1088	193	3	basel	basel	PROPN
eistud-1088	193	4	committee	committee	PROPN
eistud-1088	193	5	principles	principle	NOUN
eistud-1088	193	6	and	and	CCONJ
eistud-1088	193	7	definition	definition	NOUN
eistud-1088	193	8	of	of	ADP
eistud-1088	193	9	the	the	DET
eistud-1088	193	10	compliance	compliance	NOUN
eistud-1088	193	11	risk	risk	NOUN
eistud-1088	193	12	in	in	ADP
eistud-1088	193	13	may	may	PROPN
eistud-1088	193	14	2007	2007	NUM
eistud-1088	193	15	,	,	PUNCT
eistud-1088	194	1	[	[	X
eistud-1088	194	2	fktk	fktk	NOUN
eistud-1088	194	3	2007	2007	NUM
eistud-1088	194	4	]	]	PUNCT
eistud-1088	194	5	.	.	PUNCT
eistud-1088	195	1	birindelli	birindelli	PROPN
eistud-1088	195	2	(	(	PUNCT
eistud-1088	195	3	2008	2008	NUM
eistud-1088	195	4	)	)	PUNCT
eistud-1088	195	5	confirmed	confirm	VERB
eistud-1088	195	6	hypothesis	hypothesis	NOUN
eistud-1088	195	7	laying	lay	VERB
eistud-1088	195	8	a	a	DET
eistud-1088	195	9	special	special	ADJ
eistud-1088	195	10	emphasis	emphasis	NOUN
eistud-1088	195	11	on	on	ADP
eistud-1088	195	12	the	the	DET
eistud-1088	195	13	development	development	NOUN
eistud-1088	195	14	of	of	ADP
eistud-1088	195	15	compliance	compliance	NOUN
eistud-1088	195	16	risk	risk	NOUN
eistud-1088	195	17	management	management	NOUN
eistud-1088	195	18	in	in	ADP
eistud-1088	195	19	foreign	foreign	ADJ
eistud-1088	195	20	banks	bank	NOUN
eistud-1088	195	21	as	as	ADP
eistud-1088	195	22	in	in	ADP
eistud-1088	195	23	domestic	domestic	ADJ
eistud-1088	195	24	banks	bank	NOUN
eistud-1088	195	25	.	.	PUNCT
eistud-1088	196	1	sathye	sathye	NOUN
eistud-1088	196	2	(	(	PUNCT
eistud-1088	196	3	2008	2008	NUM
eistud-1088	196	4	)	)	PUNCT
eistud-1088	196	5	found	find	VERB
eistud-1088	196	6	empirical	empirical	ADJ
eistud-1088	196	7	evidence	evidence	NOUN
eistud-1088	196	8	suggesting	suggest	VERB
eistud-1088	196	9	that	that	SCONJ
eistud-1088	196	10	owing	owe	VERB
eistud-1088	196	11	to	to	ADP
eistud-1088	196	12	scale	scale	NOUN
eistud-1088	196	13	economies	economy	NOUN
eistud-1088	196	14	in	in	ADP
eistud-1088	196	15	regulatory	regulatory	ADJ
eistud-1088	196	16	compliance	compliance	NOUN
eistud-1088	196	17	,	,	PUNCT
eistud-1088	196	18	the	the	DET
eistud-1088	196	19	burden	burden	NOUN
eistud-1088	196	20	has	have	AUX
eistud-1088	196	21	fallen	fall	VERB
eistud-1088	196	22	more	more	ADV
eistud-1088	196	23	heavily	heavily	ADV
eistud-1088	196	24	on	on	ADP
eistud-1088	196	25	smaller	small	ADJ
eistud-1088	196	26	financial	financial	ADJ
eistud-1088	196	27	institutions	institution	NOUN
eistud-1088	196	28	”	"	PUNCT
eistud-1088	196	29	.	.	PUNCT
eistud-1088	197	1	in	in	ADP
eistud-1088	197	2	october	october	PROPN
eistud-1088	197	3	2010	2010	NUM
eistud-1088	197	4	basel	basel	PROPN
eistud-1088	197	5	committee	committee	PROPN
eistud-1088	197	6	issued	issue	VERB
eistud-1088	197	7	principles	principle	NOUN
eistud-1088	197	8	for	for	ADP
eistud-1088	197	9	enhancing	enhance	VERB
eistud-1088	197	10	corporate	corporate	ADJ
eistud-1088	197	11	governance	governance	NOUN
eistud-1088	197	12	.	.	PUNCT
eistud-1088	198	1	the	the	DET
eistud-1088	198	2	bank	bank	NOUN
eistud-1088	198	3	should	should	AUX
eistud-1088	198	4	maintain	maintain	VERB
eistud-1088	198	5	sound	sound	ADJ
eistud-1088	198	6	control	control	NOUN
eistud-1088	198	7	functions	function	NOUN
eistud-1088	198	8	,	,	PUNCT
eistud-1088	198	9	including	include	VERB
eistud-1088	198	10	an	an	DET
eistud-1088	198	11	effective	effective	ADJ
eistud-1088	198	12	compliance	compliance	NOUN
eistud-1088	198	13	function	function	NOUN
eistud-1088	198	14	that	that	SCONJ
eistud-1088	198	15	,	,	PUNCT
eistud-1088	198	16	among	among	ADP
eistud-1088	198	17	other	other	ADJ
eistud-1088	198	18	things	thing	NOUN
eistud-1088	198	19	,	,	PUNCT
eistud-1088	198	20	routinely	routinely	ADV
eistud-1088	198	21	monitor	monitor	VERB
eistud-1088	198	22	compliance	compliance	NOUN
eistud-1088	198	23	with	with	ADP
eistud-1088	198	24	laws	law	NOUN
eistud-1088	198	25	,	,	PUNCT
eistud-1088	198	26	corporate	corporate	ADJ
eistud-1088	198	27	governance	governance	NOUN
eistud-1088	198	28	rules	rule	NOUN
eistud-1088	198	29	,	,	PUNCT
eistud-1088	198	30	regulations	regulation	NOUN
eistud-1088	198	31	,	,	PUNCT
eistud-1088	198	32	codes	code	NOUN
eistud-1088	198	33	and	and	CCONJ
eistud-1088	198	34	policies	policy	NOUN
eistud-1088	198	35	to	to	PART
eistud-1088	198	36	which	which	PRON
eistud-1088	198	37	the	the	DET
eistud-1088	198	38	bank	bank	NOUN
eistud-1088	198	39	is	be	AUX
eistud-1088	198	40	subject	subject	ADJ
eistud-1088	198	41	and	and	CCONJ
eistud-1088	198	42	ensure	ensure	VERB
eistud-1088	198	43	that	that	SCONJ
eistud-1088	198	44	deviations	deviation	NOUN
eistud-1088	198	45	are	be	AUX
eistud-1088	198	46	reported	report	VERB
eistud-1088	198	47	to	to	ADP
eistud-1088	198	48	an	an	DET
eistud-1088	198	49	appropriate	appropriate	ADJ
eistud-1088	198	50	level	level	NOUN
eistud-1088	198	51	of	of	ADP
eistud-1088	198	52	management	management	NOUN
eistud-1088	198	53	and	and	CCONJ
eistud-1088	198	54	,	,	PUNCT
eistud-1088	198	55	in	in	ADP
eistud-1088	198	56	case	case	NOUN
eistud-1088	198	57	of	of	ADP
eistud-1088	198	58	material	material	NOUN
eistud-1088	198	59	deviations	deviation	NOUN
eistud-1088	198	60	,	,	PUNCT
eistud-1088	198	61	to	to	ADP
eistud-1088	198	62	the	the	DET
eistud-1088	198	63	board	board	NOUN
eistud-1088	198	64	.	.	PUNCT
eistud-1088	199	1	committee	committee	NOUN
eistud-1088	199	2	noted	note	VERB
eistud-1088	199	3	that	that	SCONJ
eistud-1088	199	4	in	in	ADP
eistud-1088	199	5	some	some	DET
eistud-1088	199	6	cases	case	NOUN
eistud-1088	199	7	,	,	PUNCT
eistud-1088	199	8	banks	bank	NOUN
eistud-1088	199	9	’	'	PUNCT
eistud-1088	199	10	compliance	compliance	NOUN
eistud-1088	199	11	functions	function	NOUN
eistud-1088	199	12	have	have	AUX
eistud-1088	199	13	been	be	AUX
eistud-1088	199	14	designed	design	VERB
eistud-1088	199	15	to	to	PART
eistud-1088	199	16	address	address	VERB
eistud-1088	199	17	only	only	ADV
eistud-1088	199	18	anti	anti	ADJ
eistud-1088	199	19	-	-	ADJ
eistud-1088	199	20	money	money	ADJ
eistud-1088	199	21	laundering	laundering	NOUN
eistud-1088	199	22	issues	issue	NOUN
eistud-1088	199	23	,	,	PUNCT
eistud-1088	199	24	which	which	PRON
eistud-1088	199	25	turns	turn	VERB
eistud-1088	199	26	to	to	PART
eistud-1088	199	27	be	be	AUX
eistud-1088	199	28	inconsistent	inconsistent	ADJ
eistud-1088	199	29	with	with	ADP
eistud-1088	199	30	basel	basel	PROPN
eistud-1088	199	31	committee	committee	PROPN
eistud-1088	199	32	guidance	guidance	NOUN
eistud-1088	199	33	.	.	PUNCT
eistud-1088	200	1	the	the	DET
eistud-1088	200	2	compliance	compliance	NOUN
eistud-1088	200	3	function	function	NOUN
eistud-1088	200	4	should	should	AUX
eistud-1088	200	5	have	have	VERB
eistud-1088	200	6	a	a	DET
eistud-1088	200	7	broader	broad	ADJ
eistud-1088	200	8	scope	scope	NOUN
eistud-1088	200	9	and	and	CCONJ
eistud-1088	200	10	address	address	VERB
eistud-1088	200	11	the	the	DET
eistud-1088	200	12	areas	area	NOUN
eistud-1088	200	13	indicated	indicate	VERB
eistud-1088	200	14	in	in	ADP
eistud-1088	200	15	this	this	DET
eistud-1088	200	16	document	document	NOUN
eistud-1088	200	17	and	and	CCONJ
eistud-1088	200	18	in	in	ADP
eistud-1088	200	19	the	the	DET
eistud-1088	200	20	basel	basel	PROPN
eistud-1088	200	21	committee	committee	PROPN
eistud-1088	200	22	guidance	guidance	NOUN
eistud-1088	200	23	.	.	PUNCT
eistud-1088	201	1	compliance	compliance	NOUN
eistud-1088	201	2	strategy	strategy	NOUN
eistud-1088	201	3	compliance	compliance	NOUN
eistud-1088	201	4	is	be	AUX
eistud-1088	201	5	not	not	PART
eistud-1088	201	6	itself	itself	PRON
eistud-1088	201	7	distinct	distinct	ADJ
eistud-1088	201	8	from	from	ADP
eistud-1088	201	9	business	business	NOUN
eistud-1088	201	10	strategy	strategy	NOUN
eistud-1088	201	11	and	and	CCONJ
eistud-1088	201	12	therefore	therefore	ADV
eistud-1088	201	13	could	could	AUX
eistud-1088	201	14	be	be	AUX
eistud-1088	201	15	linked	link	VERB
eistud-1088	201	16	to	to	ADP
eistud-1088	201	17	porter	porter	NOUN
eistud-1088	201	18	’s	’s	PART
eistud-1088	201	19	rubric	rubric	NOUN
eistud-1088	201	20	of	of	ADP
eistud-1088	201	21	generic	generic	ADJ
eistud-1088	201	22	strategies	strategy	NOUN
eistud-1088	201	23	[	[	X
eistud-1088	201	24	national	national	ADJ
eistud-1088	201	25	occupational	occupational	ADJ
eistud-1088	201	26	standards	standard	NOUN
eistud-1088	201	27	,	,	PUNCT
eistud-1088	201	28	2010	2010	NUM
eistud-1088	201	29	]	]	PUNCT
eistud-1088	201	30	.	.	PUNCT
eistud-1088	202	1	cost	cost	NOUN
eistud-1088	202	2	leadership	leadership	NOUN
eistud-1088	202	3	strategy	strategy	NOUN
eistud-1088	202	4	is	be	AUX
eistud-1088	202	5	a	a	DET
eistud-1088	202	6	strategy	strategy	NOUN
eistud-1088	202	7	based	base	VERB
eistud-1088	202	8	on	on	ADP
eistud-1088	202	9	assumption	assumption	NOUN
eistud-1088	202	10	that	that	SCONJ
eistud-1088	202	11	the	the	DET
eistud-1088	202	12	cost	cost	NOUN
eistud-1088	202	13	leader	leader	NOUN
eistud-1088	202	14	in	in	ADP
eistud-1088	202	15	a	a	DET
eistud-1088	202	16	market	market	NOUN
eistud-1088	202	17	or	or	CCONJ
eistud-1088	202	18	segment	segment	NOUN
eistud-1088	202	19	of	of	ADP
eistud-1088	202	20	a	a	DET
eistud-1088	202	21	market	market	NOUN
eistud-1088	202	22	can	can	AUX
eistud-1088	202	23	gain	gain	VERB
eistud-1088	202	24	a	a	DET
eistud-1088	202	25	competitive	competitive	ADJ
eistud-1088	202	26	advantage	advantage	NOUN
eistud-1088	202	27	by	by	ADP
eistud-1088	202	28	producing	produce	VERB
eistud-1088	202	29	at	at	ADP
eistud-1088	202	30	the	the	DET
eistud-1088	202	31	lowest	low	ADJ
eistud-1088	202	32	cost	cost	NOUN
eistud-1088	202	33	–	–	PUNCT
eistud-1088	202	34	every	every	DET
eistud-1088	202	35	element	element	NOUN
eistud-1088	202	36	of	of	ADP
eistud-1088	202	37	the	the	DET
eistud-1088	202	38	value	value	NOUN
eistud-1088	202	39	chain	chain	NOUN
eistud-1088	202	40	is	be	AUX
eistud-1088	202	41	scrutinized	scrutinize	VERB
eistud-1088	202	42	to	to	PART
eistud-1088	202	43	see	see	VERB
eistud-1088	202	44	if	if	SCONJ
eistud-1088	202	45	costs	cost	NOUN
eistud-1088	202	46	can	can	AUX
eistud-1088	202	47	be	be	AUX
eistud-1088	202	48	cut	cut	VERB
eistud-1088	202	49	,	,	PUNCT
eistud-1088	202	50	including	include	VERB
eistud-1088	202	51	compliance	compliance	NOUN
eistud-1088	202	52	.	.	PUNCT
eistud-1088	203	1	in	in	ADP
eistud-1088	203	2	a	a	DET
eistud-1088	203	3	cost	cost	NOUN
eistud-1088	203	4	-	-	PUNCT
eistud-1088	203	5	cutting	cut	VERB
eistud-1088	203	6	environment	environment	NOUN
eistud-1088	203	7	banks	bank	NOUN
eistud-1088	203	8	have	have	VERB
eistud-1088	203	9	to	to	PART
eistud-1088	203	10	see	see	VERB
eistud-1088	203	11	through	through	ADP
eistud-1088	203	12	a	a	DET
eistud-1088	203	13	wall	wall	NOUN
eistud-1088	203	14	if	if	SCONJ
eistud-1088	203	15	the	the	DET
eistud-1088	203	16	ultimate	ultimate	ADJ
eistud-1088	203	17	costs	cost	NOUN
eistud-1088	203	18	of	of	ADP
eistud-1088	203	19	noncompliance	noncompliance	NOUN
eistud-1088	203	20	will	will	AUX
eistud-1088	203	21	far	far	ADV
eistud-1088	203	22	exceed	exceed	VERB
eistud-1088	203	23	any	any	DET
eistud-1088	203	24	short	short	ADJ
eistud-1088	203	25	-	-	PUNCT
eistud-1088	203	26	term	term	NOUN
eistud-1088	203	27	budgetary	budgetary	ADJ
eistud-1088	203	28	savings	saving	NOUN
eistud-1088	203	29	.	.	PUNCT
eistud-1088	204	1	rosi	rosi	PROPN
eistud-1088	204	2	(	(	PUNCT
eistud-1088	204	3	2010	2010	NUM
eistud-1088	204	4	)	)	PUNCT
eistud-1088	204	5	urge	urge	VERB
eistud-1088	204	6	modern	modern	ADJ
eistud-1088	204	7	company	company	NOUN
eistud-1088	204	8	to	to	PART
eistud-1088	204	9	consider	consider	VERB
eistud-1088	204	10	compliance	compliance	NOUN
eistud-1088	204	11	leadership	leadership	NOUN
eistud-1088	204	12	strategy	strategy	NOUN
eistud-1088	204	13	as	as	ADP
eistud-1088	204	14	the	the	DET
eistud-1088	204	15	core	core	NOUN
eistud-1088	204	16	element	element	NOUN
eistud-1088	204	17	in	in	ADP
eistud-1088	204	18	company	company	NOUN
eistud-1088	204	19	’s	’s	PART
eistud-1088	204	20	overall	overall	ADJ
eistud-1088	204	21	strategy	strategy	NOUN
eistud-1088	204	22	.	.	PUNCT
eistud-1088	205	1	further	further	ADJ
eistud-1088	205	2	studies	study	NOUN
eistud-1088	205	3	of	of	ADP
eistud-1088	205	4	eu	eu	PROPN
eistud-1088	205	5	documents	document	NOUN
eistud-1088	205	6	suggesting	suggest	VERB
eistud-1088	205	7	that	that	SCONJ
eistud-1088	205	8	compliance	compliance	NOUN
eistud-1088	205	9	cost	cost	NOUN
eistud-1088	205	10	cutting	cut	VERB
eistud-1088	205	11	strategy	strategy	NOUN
eistud-1088	205	12	could	could	AUX
eistud-1088	205	13	be	be	AUX
eistud-1088	205	14	more	more	ADV
eistud-1088	205	15	risky	risky	ADJ
eistud-1088	205	16	for	for	ADP
eistud-1088	205	17	latvian	latvian	ADJ
eistud-1088	205	18	banking	banking	NOUN
eistud-1088	205	19	sector	sector	NOUN
eistud-1088	205	20	as	as	ADP
eistud-1088	205	21	for	for	ADP
eistud-1088	205	22	other	other	ADJ
eistud-1088	205	23	member	member	NOUN
eistud-1088	205	24	states	state	NOUN
eistud-1088	205	25	and	and	CCONJ
eistud-1088	205	26	therefore	therefore	ADV
eistud-1088	205	27	the	the	DET
eistud-1088	205	28	attention	attention	NOUN
eistud-1088	205	29	should	should	AUX
eistud-1088	205	30	be	be	AUX
eistud-1088	205	31	paid	pay	VERB
eistud-1088	205	32	to	to	ADP
eistud-1088	205	33	differentiation	differentiation	NOUN
eistud-1088	205	34	strategy	strategy	NOUN
eistud-1088	205	35	.	.	PUNCT
eistud-1088	206	1	the	the	DET
eistud-1088	206	2	eu	eu	PROPN
eistud-1088	206	3	commission	commission	PROPN
eistud-1088	206	4	conducted	conduct	VERB
eistud-1088	206	5	“	"	PUNCT
eistud-1088	206	6	survey	survey	NOUN
eistud-1088	206	7	on	on	ADP
eistud-1088	206	8	the	the	DET
eistud-1088	206	9	cost	cost	NOUN
eistud-1088	206	10	of	of	ADP
eistud-1088	206	11	compliance	compliance	NOUN
eistud-1088	206	12	with	with	ADP
eistud-1088	206	13	selected	select	VERB
eistud-1088	206	14	fsap	fsap	NOUN
eistud-1088	206	15	measures	measure	NOUN
eistud-1088	206	16	”	"	PUNCT
eistud-1088	206	17	[	[	X
eistud-1088	206	18	european	european	PROPN
eistud-1088	206	19	commission	commission	PROPN
eistud-1088	206	20	,	,	PUNCT
eistud-1088	206	21	2009	2009	NUM
eistud-1088	206	22	]	]	PUNCT
eistud-1088	206	23	.	.	PUNCT
eistud-1088	207	1	the	the	DET
eistud-1088	207	2	objective	objective	NOUN
eistud-1088	207	3	of	of	ADP
eistud-1088	207	4	the	the	DET
eistud-1088	207	5	study	study	NOUN
eistud-1088	207	6	was	be	AUX
eistud-1088	207	7	to	to	PART
eistud-1088	207	8	obtain	obtain	VERB
eistud-1088	207	9	financial	financial	ADJ
eistud-1088	207	10	estimates	estimate	NOUN
eistud-1088	207	11	of	of	ADP
eistud-1088	207	12	the	the	DET
eistud-1088	207	13	costs	cost	NOUN
eistud-1088	207	14	of	of	ADP
eistud-1088	207	15	compliance	compliance	NOUN
eistud-1088	207	16	with	with	ADP
eistud-1088	207	17	selected	select	VERB
eistud-1088	207	18	fsap	fsap	ADJ
eistud-1088	207	19	legislative	legislative	ADJ
eistud-1088	207	20	measures	measure	NOUN
eistud-1088	207	21	for	for	ADP
eistud-1088	207	22	a	a	DET
eistud-1088	207	23	sample	sample	NOUN
eistud-1088	207	24	of	of	ADP
eistud-1088	207	25	eu	eu	PROPN
eistud-1088	207	26	financial	financial	PROPN
eistud-1088	207	27	services	service	NOUN
eistud-1088	207	28	companies	company	NOUN
eistud-1088	207	29	(	(	PUNCT
eistud-1088	207	30	including	include	VERB
eistud-1088	207	31	banks	bank	NOUN
eistud-1088	207	32	)	)	PUNCT
eistud-1088	207	33	and	and	CCONJ
eistud-1088	207	34	a	a	DET
eistud-1088	207	35	more	more	ADV
eistud-1088	207	36	precise	precise	ADJ
eistud-1088	207	37	assessment	assessment	NOUN
eistud-1088	207	38	of	of	ADP
eistud-1088	207	39	where	where	SCONJ
eistud-1088	207	40	the	the	DET
eistud-1088	207	41	costs	cost	NOUN
eistud-1088	207	42	of	of	ADP
eistud-1088	207	43	eu	eu	PROPN
eistud-1088	207	44	regulation	regulation	NOUN
eistud-1088	207	45	lie	lie	NOUN
eistud-1088	207	46	.	.	PUNCT
eistud-1088	208	1	the	the	DET
eistud-1088	208	2	study	study	NOUN
eistud-1088	208	3	was	be	AUX
eistud-1088	208	4	based	base	VERB
eistud-1088	208	5	on	on	ADP
eistud-1088	208	6	direct	direct	ADJ
eistud-1088	208	7	interviews	interview	NOUN
eistud-1088	208	8	of	of	ADP
eistud-1088	208	9	a	a	DET
eistud-1088	208	10	sample	sample	NOUN
eistud-1088	208	11	of	of	ADP
eistud-1088	208	12	companies	company	NOUN
eistud-1088	208	13	to	to	PART
eistud-1088	208	14	obtain	obtain	VERB
eistud-1088	208	15	their	their	PRON
eistud-1088	208	16	estimates	estimate	NOUN
eistud-1088	208	17	of	of	ADP
eistud-1088	208	18	the	the	DET
eistud-1088	208	19	costs	cost	NOUN
eistud-1088	208	20	of	of	ADP
eistud-1088	208	21	compliance	compliance	NOUN
eistud-1088	208	22	with	with	ADP
eistud-1088	208	23	the	the	DET
eistud-1088	208	24	provisions	provision	NOUN
eistud-1088	208	25	of	of	ADP
eistud-1088	208	26	selected	select	VERB
eistud-1088	208	27	directives	directive	NOUN
eistud-1088	208	28	.	.	PUNCT
eistud-1088	209	1	the	the	DET
eistud-1088	209	2	study	study	NOUN
eistud-1088	209	3	was	be	AUX
eistud-1088	209	4	completed	complete	VERB
eistud-1088	209	5	in	in	ADP
eistud-1088	209	6	january	january	PROPN
eistud-1088	209	7	2009	2009	NUM
eistud-1088	209	8	.	.	PUNCT
eistud-1088	210	1	according	accord	VERB
eistud-1088	210	2	the	the	DET
eistud-1088	210	3	study	study	NOUN
eistud-1088	210	4	the	the	DET
eistud-1088	210	5	fundamental	fundamental	ADJ
eistud-1088	210	6	interest	interest	NOUN
eistud-1088	210	7	of	of	ADP
eistud-1088	210	8	the	the	DET
eistud-1088	210	9	compliance	compliance	NOUN
eistud-1088	210	10	function	function	NOUN
eistud-1088	210	11	is	be	AUX
eistud-1088	210	12	in	in	ADP
eistud-1088	210	13	ensuring	ensure	VERB
eistud-1088	210	14	that	that	SCONJ
eistud-1088	210	15	the	the	DET
eistud-1088	210	16	business	business	NOUN
eistud-1088	210	17	complies	comply	VERB
eistud-1088	210	18	with	with	ADP
eistud-1088	210	19	existing	exist	VERB
eistud-1088	210	20	external	external	ADJ
eistud-1088	210	21	laws	law	NOUN
eistud-1088	210	22	and	and	CCONJ
eistud-1088	210	23	regulations	regulation	NOUN
eistud-1088	210	24	,	,	PUNCT
eistud-1088	210	25	and	and	CCONJ
eistud-1088	210	26	internallydefined	internallydefined	ADJ
eistud-1088	210	27	policies	policy	NOUN
eistud-1088	210	28	and	and	CCONJ
eistud-1088	210	29	ethical	ethical	ADJ
eistud-1088	210	30	standards	standard	NOUN
eistud-1088	210	31	.	.	PUNCT
eistud-1088	211	1	beyond	beyond	ADP
eistud-1088	211	2	this	this	PRON
eistud-1088	211	3	,	,	PUNCT
eistud-1088	211	4	the	the	DET
eistud-1088	211	5	compliance	compliance	NOUN
eistud-1088	211	6	function	function	NOUN
eistud-1088	211	7	is	be	AUX
eistud-1088	211	8	seen	see	VERB
eistud-1088	211	9	,	,	PUNCT
eistud-1088	211	10	by	by	ADP
eistud-1088	211	11	an	an	DET
eistud-1088	211	12	increasing	increase	VERB
eistud-1088	211	13	number	number	NOUN
eistud-1088	211	14	of	of	ADP
eistud-1088	211	15	firms	firm	NOUN
eistud-1088	211	16	,	,	PUNCT
eistud-1088	211	17	as	as	ADP
eistud-1088	211	18	having	have	VERB
eistud-1088	211	19	a	a	DET
eistud-1088	211	20	crucial	crucial	ADJ
eistud-1088	211	21	role	role	NOUN
eistud-1088	211	22	to	to	PART
eistud-1088	211	23	play	play	VERB
eistud-1088	211	24	in	in	ADP
eistud-1088	211	25	the	the	DET
eistud-1088	211	26	mitigation	mitigation	NOUN
eistud-1088	211	27	of	of	ADP
eistud-1088	211	28	reputational	reputational	ADJ
eistud-1088	211	29	risk	risk	NOUN
eistud-1088	211	30	.	.	PUNCT
eistud-1088	212	1	thus	thus	ADV
eistud-1088	212	2	,	,	PUNCT
eistud-1088	212	3	it	it	PRON
eistud-1088	212	4	follows	follow	VERB
eistud-1088	212	5	that	that	SCONJ
eistud-1088	212	6	some	some	DET
eistud-1088	212	7	spending	spending	NOUN
eistud-1088	212	8	on	on	ADP
eistud-1088	212	9	compliance	compliance	NOUN
eistud-1088	212	10	would	would	AUX
eistud-1088	212	11	occur	occur	VERB
eistud-1088	212	12	even	even	ADV
eistud-1088	212	13	in	in	ADP
eistud-1088	212	14	the	the	DET
eistud-1088	212	15	absence	absence	NOUN
eistud-1088	212	16	of	of	ADP
eistud-1088	212	17	regulation	regulation	NOUN
eistud-1088	212	18	.	.	PUNCT
eistud-1088	213	1	further	far	ADV
eistud-1088	213	2	,	,	PUNCT
eistud-1088	213	3	such	such	ADJ
eistud-1088	213	4	compliance	compliance	NOUN
eistud-1088	213	5	activity	activity	NOUN
eistud-1088	213	6	need	need	AUX
eistud-1088	213	7	not	not	PART
eistud-1088	213	8	be	be	AUX
eistud-1088	213	9	restricted	restrict	VERB
eistud-1088	213	10	to	to	ADP
eistud-1088	213	11	the	the	DET
eistud-1088	213	12	compliance	compliance	NOUN
eistud-1088	213	13	function	function	VERB
eistud-1088	213	14	itself	itself	PRON
eistud-1088	213	15	.	.	PUNCT
eistud-1088	214	1	the	the	DET
eistud-1088	214	2	drivers	driver	NOUN
eistud-1088	214	3	of	of	ADP
eistud-1088	214	4	individual	individual	ADJ
eistud-1088	214	5	bank‘s	bank‘s	PROPN
eistud-1088	214	6	compliance	compliance	NOUN
eistud-1088	214	7	strategies	strategy	NOUN
eistud-1088	214	8	and	and	CCONJ
eistud-1088	214	9	resource	resource	NOUN
eistud-1088	214	10	allocation	allocation	NOUN
eistud-1088	214	11	in	in	ADP
eistud-1088	214	12	order	order	NOUN
eistud-1088	214	13	to	to	PART
eistud-1088	214	14	enable	enable	VERB
eistud-1088	214	15	a	a	DET
eistud-1088	214	16	ranking	ranking	NOUN
eistud-1088	214	17	of	of	ADP
eistud-1088	214	18	relative	relative	ADJ
eistud-1088	214	19	importance	importance	NOUN
eistud-1088	214	20	was	be	AUX
eistud-1088	214	21	discussed	discuss	VERB
eistud-1088	214	22	and	and	CCONJ
eistud-1088	214	23	information	information	NOUN
eistud-1088	214	24	obtained	obtain	VERB
eistud-1088	214	25	.	.	PUNCT
eistud-1088	215	1	the	the	DET
eistud-1088	215	2	study	study	NOUN
eistud-1088	215	3	set	set	VERB
eistud-1088	215	4	out	out	ADP
eistud-1088	215	5	below	below	ADP
eistud-1088	215	6	a	a	DET
eistud-1088	215	7	ranking	ranking	NOUN
eistud-1088	215	8	based	base	VERB
eistud-1088	215	9	upon	upon	SCONJ
eistud-1088	215	10	the	the	DET
eistud-1088	215	11	composite	composite	ADJ
eistud-1088	215	12	results	result	NOUN
eistud-1088	215	13	of	of	ADP
eistud-1088	215	14	the	the	DET
eistud-1088	215	15	participants	participant	NOUN
eistud-1088	215	16	interviewed	interview	VERB
eistud-1088	215	17	(	(	PUNCT
eistud-1088	215	18	where	where	SCONJ
eistud-1088	215	19	a	a	DET
eistud-1088	215	20	rank	rank	NOUN
eistud-1088	215	21	of	of	ADP
eistud-1088	215	22	one	one	NUM
eistud-1088	215	23	represents	represent	VERB
eistud-1088	215	24	the	the	DET
eistud-1088	215	25	most	most	ADV
eistud-1088	215	26	important	important	ADJ
eistud-1088	215	27	category	category	NOUN
eistud-1088	215	28	)	)	PUNCT
eistud-1088	215	29	.	.	PUNCT
eistud-1088	216	1	it	it	PRON
eistud-1088	216	2	follows	follow	VERB
eistud-1088	216	3	that	that	SCONJ
eistud-1088	216	4	in	in	ADP
eistud-1088	216	5	these	these	DET
eistud-1088	216	6	charts	chart	NOUN
eistud-1088	216	7	closeness	closeness	NOUN
eistud-1088	216	8	to	to	ADP
eistud-1088	216	9	the	the	DET
eistud-1088	216	10	outer	outer	ADJ
eistud-1088	216	11	ring	ring	NOUN
eistud-1088	216	12	represents	represent	VERB
eistud-1088	216	13	the	the	DET
eistud-1088	216	14	greater	great	ADJ
eistud-1088	216	15	relative	relative	ADJ
eistud-1088	216	16	importance	importance	NOUN
eistud-1088	216	17	of	of	ADP
eistud-1088	216	18	that	that	DET
eistud-1088	216	19	driver	driver	NOUN
eistud-1088	216	20	or	or	CCONJ
eistud-1088	216	21	resource	resource	NOUN
eistud-1088	216	22	.	.	PUNCT
eistud-1088	217	1	issn	issn	PROPN
eistud-1088	217	2	1822–8402	1822–8402	NUM
eistud-1088	217	3	european	european	ADJ
eistud-1088	217	4	integration	integration	NOUN
eistud-1088	217	5	studies	study	NOUN
eistud-1088	217	6	.	.	PUNCT
eistud-1088	218	1	2011	2011	NUM
eistud-1088	218	2	.	.	PUNCT
eistud-1088	219	1	no	no	DET
eistud-1088	219	2	5	5	NUM
eistud-1088	219	3	137	137	NUM
eistud-1088	219	4	the	the	DET
eistud-1088	219	5	perceived	perceive	VERB
eistud-1088	219	6	threat	threat	NOUN
eistud-1088	219	7	of	of	ADP
eistud-1088	219	8	regulatory	regulatory	ADJ
eistud-1088	219	9	sanctions	sanction	NOUN
eistud-1088	219	10	is	be	AUX
eistud-1088	219	11	one	one	NUM
eistud-1088	219	12	of	of	ADP
eistud-1088	219	13	the	the	DET
eistud-1088	219	14	key	key	ADJ
eistud-1088	219	15	drivers	driver	NOUN
eistud-1088	219	16	for	for	ADP
eistud-1088	219	17	compliance	compliance	NOUN
eistud-1088	219	18	strategy	strategy	NOUN
eistud-1088	219	19	.	.	PUNCT
eistud-1088	220	1	this	this	PRON
eistud-1088	220	2	would	would	AUX
eistud-1088	220	3	require	require	VERB
eistud-1088	220	4	analysing	analyse	VERB
eistud-1088	220	5	developments	development	NOUN
eistud-1088	220	6	in	in	ADP
eistud-1088	220	7	area	area	NOUN
eistud-1088	220	8	of	of	ADP
eistud-1088	220	9	regulatory	regulatory	ADJ
eistud-1088	220	10	sanctions	sanction	NOUN
eistud-1088	220	11	in	in	ADP
eistud-1088	220	12	eu	eu	PROPN
eistud-1088	220	13	and	and	CCONJ
eistud-1088	220	14	latvia	latvia	PROPN
eistud-1088	220	15	.	.	PUNCT
eistud-1088	221	1	eu	eu	PROPN
eistud-1088	221	2	program	program	PROPN
eistud-1088	221	3	for	for	ADP
eistud-1088	221	4	financial	financial	ADJ
eistud-1088	221	5	market	market	NOUN
eistud-1088	221	6	reform	reform	NOUN
eistud-1088	221	7	and	and	CCONJ
eistud-1088	221	8	sanctions	sanction	NOUN
eistud-1088	221	9	in	in	ADP
eistud-1088	221	10	order	order	NOUN
eistud-1088	221	11	to	to	PART
eistud-1088	221	12	regain	regain	VERB
eistud-1088	221	13	full	full	ADJ
eistud-1088	221	14	confidence	confidence	NOUN
eistud-1088	221	15	in	in	ADP
eistud-1088	221	16	the	the	DET
eistud-1088	221	17	soundness	soundness	NOUN
eistud-1088	221	18	of	of	ADP
eistud-1088	221	19	the	the	DET
eistud-1088	221	20	financial	financial	ADJ
eistud-1088	221	21	system	system	NOUN
eistud-1088	221	22	as	as	ADP
eistud-1088	221	23	one	one	NUM
eistud-1088	221	24	of	of	ADP
eistud-1088	221	25	the	the	DET
eistud-1088	221	26	pillars	pillar	NOUN
eistud-1088	221	27	for	for	ADP
eistud-1088	221	28	growth	growth	NOUN
eistud-1088	221	29	,	,	PUNCT
eistud-1088	221	30	the	the	DET
eistud-1088	221	31	commission	commission	NOUN
eistud-1088	221	32	proposed	propose	VERB
eistud-1088	221	33	in	in	ADP
eistud-1088	221	34	2009	2009	NUM
eistud-1088	221	35	and	and	CCONJ
eistud-1088	221	36	2010	2010	NUM
eistud-1088	222	1	[	[	X
eistud-1088	222	2	eu	eu	X
eistud-1088	222	3	driving	drive	VERB
eistud-1088	222	4	european	european	ADJ
eistud-1088	222	5	recovery	recovery	NOUN
eistud-1088	222	6	,	,	PUNCT
eistud-1088	222	7	2009	2009	NUM
eistud-1088	222	8	]	]	PUNCT
eistud-1088	222	9	an	an	DET
eistud-1088	222	10	ambitious	ambitious	ADJ
eistud-1088	222	11	new	new	ADJ
eistud-1088	222	12	reform	reform	NOUN
eistud-1088	222	13	programme	programme	NOUN
eistud-1088	222	14	with	with	ADP
eistud-1088	222	15	five	five	NUM
eistud-1088	222	16	key	key	ADJ
eistud-1088	222	17	objectives	objective	NOUN
eistud-1088	222	18	in	in	ADP
eistud-1088	222	19	the	the	DET
eistud-1088	222	20	following	follow	VERB
eistud-1088	222	21	areas	area	NOUN
eistud-1088	222	22	of	of	ADP
eistud-1088	222	23	:	:	PUNCT
eistud-1088	222	24	supervisory	supervisory	ADJ
eistud-1088	222	25	framework	framework	NOUN
eistud-1088	222	26	;	;	PUNCT
eistud-1088	222	27	regulation	regulation	NOUN
eistud-1088	222	28	;	;	PUNCT
eistud-1088	222	29	market	market	NOUN
eistud-1088	222	30	confidence	confidence	NOUN
eistud-1088	222	31	;	;	PUNCT
eistud-1088	222	32	risk	risk	NOUN
eistud-1088	222	33	management	management	NOUN
eistud-1088	222	34	and	and	CCONJ
eistud-1088	222	35	effective	effective	ADJ
eistud-1088	222	36	sanctions	sanction	NOUN
eistud-1088	222	37	.	.	PUNCT
eistud-1088	223	1	the	the	DET
eistud-1088	223	2	objective	objective	NOUN
eistud-1088	223	3	of	of	ADP
eistud-1088	223	4	commission	commission	NOUN
eistud-1088	223	5	is	be	AUX
eistud-1088	223	6	to	to	PART
eistud-1088	223	7	make	make	VERB
eistud-1088	223	8	sanctions	sanction	NOUN
eistud-1088	223	9	more	more	ADJ
eistud-1088	223	10	of	of	ADP
eistud-1088	223	11	a	a	DET
eistud-1088	223	12	deterrent	deterrent	NOUN
eistud-1088	223	13	.	.	PUNCT
eistud-1088	224	1	the	the	DET
eistud-1088	224	2	imposition	imposition	NOUN
eistud-1088	224	3	of	of	ADP
eistud-1088	224	4	penalties	penalty	NOUN
eistud-1088	224	5	on	on	ADP
eistud-1088	224	6	firms	firm	NOUN
eistud-1088	224	7	is	be	AUX
eistud-1088	224	8	an	an	DET
eistud-1088	224	9	important	important	ADJ
eistud-1088	224	10	part	part	NOUN
eistud-1088	224	11	of	of	ADP
eistud-1088	224	12	the	the	DET
eistud-1088	224	13	instruments	instrument	NOUN
eistud-1088	224	14	available	available	ADJ
eistud-1088	224	15	to	to	ADP
eistud-1088	224	16	regulators	regulator	NOUN
eistud-1088	224	17	and	and	CCONJ
eistud-1088	224	18	,	,	PUNCT
eistud-1088	224	19	following	follow	VERB
eistud-1088	224	20	the	the	DET
eistud-1088	224	21	financial	financial	ADJ
eistud-1088	224	22	crisis	crisis	NOUN
eistud-1088	224	23	,	,	PUNCT
eistud-1088	224	24	regulatory	regulatory	ADJ
eistud-1088	224	25	authorities	authority	NOUN
eistud-1088	224	26	have	have	AUX
eistud-1088	224	27	shown	show	VERB
eistud-1088	224	28	a	a	DET
eistud-1088	224	29	greater	great	ADJ
eistud-1088	224	30	willingness	willingness	NOUN
eistud-1088	224	31	to	to	PART
eistud-1088	224	32	employ	employ	VERB
eistud-1088	224	33	those	those	PRON
eistud-1088	224	34	[	[	X
eistud-1088	224	35	armour	armour	NOUN
eistud-1088	224	36	et	et	PROPN
eistud-1088	224	37	al	al	PROPN
eistud-1088	224	38	.	.	PROPN
eistud-1088	224	39	,	,	PUNCT
eistud-1088	224	40	2010	2010	NUM
eistud-1088	224	41	]	]	PUNCT
eistud-1088	224	42	.	.	PUNCT
eistud-1088	225	1	law	law	NOUN
eistud-1088	225	2	literature	literature	NOUN
eistud-1088	225	3	[	[	X
eistud-1088	225	4	wikstrom	wikstrom	NOUN
eistud-1088	225	5	,	,	PUNCT
eistud-1088	225	6	2006	2006	NUM
eistud-1088	225	7	]	]	PUNCT
eistud-1088	225	8	argues	argue	VERB
eistud-1088	225	9	that	that	SCONJ
eistud-1088	225	10	compliance	compliance	NOUN
eistud-1088	225	11	with	with	ADP
eistud-1088	225	12	regulation	regulation	NOUN
eistud-1088	225	13	should	should	AUX
eistud-1088	225	14	therefore	therefore	ADV
eistud-1088	225	15	be	be	AUX
eistud-1088	225	16	achieved	achieve	VERB
eistud-1088	225	17	through	through	ADP
eistud-1088	225	18	deterrence	deterrence	NOUN
eistud-1088	225	19	and	and	CCONJ
eistud-1088	225	20	deterrence	deterrence	NOUN
eistud-1088	225	21	experiences	experience	NOUN
eistud-1088	225	22	.	.	PUNCT
eistud-1088	226	1	a	a	DET
eistud-1088	226	2	primary	primary	ADJ
eistud-1088	226	3	function	function	NOUN
eistud-1088	226	4	of	of	ADP
eistud-1088	226	5	regulation	regulation	NOUN
eistud-1088	226	6	of	of	ADP
eistud-1088	226	7	financial	financial	ADJ
eistud-1088	226	8	markets	market	NOUN
eistud-1088	226	9	is	be	AUX
eistud-1088	226	10	to	to	PART
eistud-1088	226	11	uncover	uncover	VERB
eistud-1088	226	12	and	and	CCONJ
eistud-1088	226	13	discipline	discipline	NOUN
eistud-1088	226	14	misconduct	misconduct	NOUN
eistud-1088	226	15	.	.	PUNCT
eistud-1088	227	1	in	in	ADP
eistud-1088	227	2	the	the	DET
eistud-1088	227	3	absence	absence	NOUN
eistud-1088	227	4	of	of	ADP
eistud-1088	227	5	effective	effective	ADJ
eistud-1088	227	6	monitoring	monitoring	NOUN
eistud-1088	227	7	and	and	CCONJ
eistud-1088	227	8	enforcement	enforcement	NOUN
eistud-1088	227	9	of	of	ADP
eistud-1088	227	10	rules	rule	NOUN
eistud-1088	227	11	of	of	ADP
eistud-1088	227	12	conduct	conduct	NOUN
eistud-1088	227	13	,	,	PUNCT
eistud-1088	227	14	financial	financial	ADJ
eistud-1088	227	15	markets	market	NOUN
eistud-1088	227	16	are	be	AUX
eistud-1088	227	17	particularly	particularly	ADV
eistud-1088	227	18	prone	prone	ADJ
eistud-1088	227	19	to	to	ADP
eistud-1088	227	20	abuse	abuse	NOUN
eistud-1088	227	21	.	.	PUNCT
eistud-1088	228	1	commission	commission	PROPN
eistud-1088	228	2	stated	state	VERB
eistud-1088	228	3	that	that	SCONJ
eistud-1088	228	4	at	at	ADP
eistud-1088	228	5	present	present	ADJ
eistud-1088	228	6	,	,	PUNCT
eistud-1088	228	7	sanctioning	sanction	VERB
eistud-1088	228	8	regimes	regime	NOUN
eistud-1088	228	9	are	be	AUX
eistud-1088	228	10	often	often	ADV
eistud-1088	228	11	weak	weak	ADJ
eistud-1088	228	12	and	and	CCONJ
eistud-1088	228	13	quite	quite	ADV
eistud-1088	228	14	heterogeneous	heterogeneous	ADJ
eistud-1088	228	15	.	.	PUNCT
eistud-1088	229	1	legal	legal	ADJ
eistud-1088	229	2	framework	framework	NOUN
eistud-1088	229	3	covering	cover	VERB
eistud-1088	229	4	sanctions	sanction	NOUN
eistud-1088	229	5	provided	provide	VERB
eistud-1088	229	6	for	for	ADP
eistud-1088	229	7	in	in	ADP
eistud-1088	229	8	national	national	ADJ
eistud-1088	229	9	legislation	legislation	NOUN
eistud-1088	229	10	for	for	ADP
eistud-1088	229	11	the	the	DET
eistud-1088	229	12	violations	violation	NOUN
eistud-1088	229	13	of	of	ADP
eistud-1088	229	14	eu	eu	PROPN
eistud-1088	229	15	financial	financial	PROPN
eistud-1088	229	16	services	service	NOUN
eistud-1088	229	17	rules	rule	NOUN
eistud-1088	229	18	–	–	PUNCT
eistud-1088	229	19	including	include	VERB
eistud-1088	229	20	:	:	PUNCT
eistud-1088	229	21	type	type	NOUN
eistud-1088	229	22	(	(	PUNCT
eistud-1088	229	23	administrative	administrative	ADJ
eistud-1088	229	24	and	and	CCONJ
eistud-1088	229	25	criminal	criminal	ADJ
eistud-1088	229	26	,	,	PUNCT
eistud-1088	229	27	pecuniary	pecuniary	ADJ
eistud-1088	229	28	and	and	CCONJ
eistud-1088	229	29	non	non	ADJ
eistud-1088	229	30	-	-	ADJ
eistud-1088	229	31	pecuniary	pecuniary	ADJ
eistud-1088	229	32	)	)	PUNCT
eistud-1088	229	33	and	and	CCONJ
eistud-1088	229	34	level	level	NOUN
eistud-1088	229	35	of	of	ADP
eistud-1088	229	36	sanctions	sanction	NOUN
eistud-1088	229	37	,	,	PUNCT
eistud-1088	229	38	addressees	addressee	NOUN
eistud-1088	229	39	of	of	ADP
eistud-1088	229	40	sanctions	sanction	NOUN
eistud-1088	229	41	,	,	PUNCT
eistud-1088	229	42	factors	factor	NOUN
eistud-1088	229	43	to	to	PART
eistud-1088	229	44	be	be	AUX
eistud-1088	229	45	taken	take	VERB
eistud-1088	229	46	into	into	ADP
eistud-1088	229	47	account	account	NOUN
eistud-1088	229	48	in	in	ADP
eistud-1088	229	49	the	the	DET
eistud-1088	229	50	application	application	NOUN
eistud-1088	229	51	of	of	ADP
eistud-1088	229	52	sanctions	sanction	NOUN
eistud-1088	229	53	–	–	PUNCT
eistud-1088	229	54	and	and	CCONJ
eistud-1088	229	55	actual	actual	ADJ
eistud-1088	229	56	enforcement	enforcement	NOUN
eistud-1088	229	57	of	of	ADP
eistud-1088	229	58	sanctions	sanction	NOUN
eistud-1088	229	59	.	.	PUNCT
eistud-1088	230	1	in	in	ADP
eistud-1088	230	2	the	the	DET
eistud-1088	230	3	light	light	NOUN
eistud-1088	230	4	of	of	ADP
eistud-1088	230	5	this	this	DET
eistud-1088	230	6	review	review	NOUN
eistud-1088	230	7	,	,	PUNCT
eistud-1088	230	8	commission	commission	NOUN
eistud-1088	230	9	will	will	AUX
eistud-1088	230	10	make	make	VERB
eistud-1088	230	11	proposals	proposal	NOUN
eistud-1088	230	12	on	on	ADP
eistud-1088	230	13	how	how	SCONJ
eistud-1088	230	14	member	member	NOUN
eistud-1088	230	15	state	state	NOUN
eistud-1088	230	16	sanctions	sanction	NOUN
eistud-1088	230	17	should	should	AUX
eistud-1088	230	18	be	be	AUX
eistud-1088	230	19	strengthened	strengthen	VERB
eistud-1088	230	20	and	and	CCONJ
eistud-1088	230	21	adequately	adequately	ADV
eistud-1088	230	22	enforced	enforce	VERB
eistud-1088	230	23	.	.	PUNCT
eistud-1088	231	1	based	base	VERB
eistud-1088	231	2	on	on	ADP
eistud-1088	231	3	research	research	NOUN
eistud-1088	231	4	studies	study	NOUN
eistud-1088	231	5	on	on	ADP
eistud-1088	231	6	the	the	DET
eistud-1088	231	7	level	level	NOUN
eistud-1088	231	8	of	of	ADP
eistud-1088	231	9	fines	fine	NOUN
eistud-1088	231	10	–	–	PUNCT
eistud-1088	231	11	direct	direct	ADJ
eistud-1088	231	12	penalties	penalty	NOUN
eistud-1088	231	13	[	[	X
eistud-1088	231	14	armour	armour	NOUN
eistud-1088	231	15	et	et	PROPN
eistud-1088	231	16	al	al	PROPN
eistud-1088	231	17	.	.	PROPN
eistud-1088	231	18	,	,	PUNCT
eistud-1088	231	19	2010	2010	NUM
eistud-1088	231	20	]	]	PUNCT
eistud-1088	231	21	and	and	CCONJ
eistud-1088	231	22	its	its	PRON
eistud-1088	231	23	relation	relation	NOUN
eistud-1088	231	24	to	to	ADP
eistud-1088	231	25	the	the	DET
eistud-1088	231	26	level	level	NOUN
eistud-1088	231	27	of	of	ADP
eistud-1088	231	28	enforcement	enforcement	NOUN
eistud-1088	231	29	,	,	PUNCT
eistud-1088	231	30	the	the	DET
eistud-1088	231	31	eu	eu	PROPN
eistud-1088	231	32	commission	commission	PROPN
eistud-1088	231	33	made	make	VERB
eistud-1088	231	34	an	an	DET
eistud-1088	231	35	impact	impact	NOUN
eistud-1088	231	36	assessment	assessment	NOUN
eistud-1088	231	37	[	[	X
eistud-1088	231	38	eu	eu	ADJ
eistud-1088	231	39	–	–	PUNCT
eistud-1088	231	40	impact	impact	NOUN
eistud-1088	231	41	assessment	assessment	NOUN
eistud-1088	231	42	,	,	PUNCT
eistud-1088	231	43	2010	2010	NUM
eistud-1088	231	44	]	]	PUNCT
eistud-1088	231	45	that	that	PRON
eistud-1088	231	46	defines	define	VERB
eistud-1088	231	47	the	the	DET
eistud-1088	231	48	problem	problem	NOUN
eistud-1088	231	49	and	and	CCONJ
eistud-1088	231	50	explains	explain	VERB
eistud-1088	231	51	the	the	DET
eistud-1088	231	52	need	need	NOUN
eistud-1088	231	53	for	for	ADP
eistud-1088	231	54	and	and	CCONJ
eistud-1088	231	55	the	the	DET
eistud-1088	231	56	objectives	objective	NOUN
eistud-1088	231	57	of	of	ADP
eistud-1088	231	58	eu	eu	PROPN
eistud-1088	231	59	level	level	NOUN
eistud-1088	231	60	action	action	NOUN
eistud-1088	231	61	in	in	ADP
eistud-1088	231	62	the	the	DET
eistud-1088	231	63	field	field	NOUN
eistud-1088	231	64	of	of	ADP
eistud-1088	231	65	sanctioning	sanction	VERB
eistud-1088	231	66	regimes	regime	NOUN
eistud-1088	231	67	.	.	PUNCT
eistud-1088	232	1	it	it	PRON
eistud-1088	232	2	also	also	ADV
eistud-1088	232	3	provides	provide	VERB
eistud-1088	232	4	an	an	DET
eistud-1088	232	5	analysis	analysis	NOUN
eistud-1088	232	6	of	of	ADP
eistud-1088	232	7	the	the	DET
eistud-1088	232	8	rationale	rationale	NOUN
eistud-1088	232	9	,	,	PUNCT
eistud-1088	232	10	the	the	DET
eistud-1088	232	11	alternative	alternative	NOUN
eistud-1088	232	12	and	and	CCONJ
eistud-1088	232	13	the	the	DET
eistud-1088	232	14	impact	impact	NOUN
eistud-1088	232	15	of	of	ADP
eistud-1088	232	16	the	the	DET
eistud-1088	232	17	commission	commission	NOUN
eistud-1088	232	18	proposals	proposal	NOUN
eistud-1088	232	19	on	on	ADP
eistud-1088	232	20	how	how	SCONJ
eistud-1088	232	21	sanctioning	sanctioning	ADJ
eistud-1088	232	22	regimes	regime	NOUN
eistud-1088	232	23	may	may	AUX
eistud-1088	232	24	be	be	AUX
eistud-1088	232	25	approximated	approximate	VERB
eistud-1088	232	26	at	at	ADP
eistud-1088	232	27	eu	eu	PROPN
eistud-1088	232	28	level	level	NOUN
eistud-1088	232	29	,	,	PUNCT
eistud-1088	232	30	which	which	PRON
eistud-1088	232	31	are	be	AUX
eistud-1088	232	32	presented	present	VERB
eistud-1088	232	33	in	in	ADP
eistud-1088	232	34	the	the	DET
eistud-1088	232	35	communication	communication	NOUN
eistud-1088	232	36	on	on	ADP
eistud-1088	232	37	sanctions	sanction	NOUN
eistud-1088	232	38	.	.	PUNCT
eistud-1088	233	1	the	the	DET
eistud-1088	233	2	summary	summary	NOUN
eistud-1088	233	3	of	of	ADP
eistud-1088	233	4	assessment	assessment	NOUN
eistud-1088	233	5	has	have	AUX
eistud-1088	233	6	been	be	AUX
eistud-1088	233	7	presented	present	VERB
eistud-1088	233	8	as	as	ADP
eistud-1088	233	9	a	a	DET
eistud-1088	233	10	problem	problem	NOUN
eistud-1088	233	11	tree	tree	NOUN
eistud-1088	233	12	and	and	CCONJ
eistud-1088	233	13	several	several	ADJ
eistud-1088	233	14	problems	problem	NOUN
eistud-1088	233	15	drivers	driver	NOUN
eistud-1088	233	16	were	be	AUX
eistud-1088	233	17	mentioned	mention	VERB
eistud-1088	233	18	:	:	PUNCT
eistud-1088	233	19	type	type	NOUN
eistud-1088	233	20	and	and	CCONJ
eistud-1088	233	21	level	level	NOUN
eistud-1088	233	22	of	of	ADP
eistud-1088	233	23	administrative	administrative	ADJ
eistud-1088	233	24	sanctions	sanction	NOUN
eistud-1088	233	25	,	,	PUNCT
eistud-1088	233	26	application	application	NOUN
eistud-1088	233	27	and	and	CCONJ
eistud-1088	233	28	enforcement	enforcement	NOUN
eistud-1088	233	29	of	of	ADP
eistud-1088	233	30	sanctions	sanction	NOUN
eistud-1088	233	31	.	.	PUNCT
eistud-1088	234	1	lack	lack	NOUN
eistud-1088	234	2	of	of	ADP
eistud-1088	234	3	dissuasiveness	dissuasiveness	NOUN
eistud-1088	234	4	,	,	PUNCT
eistud-1088	234	5	effectiveness	effectiveness	NOUN
eistud-1088	234	6	and	and	CCONJ
eistud-1088	234	7	proportionality	proportionality	NOUN
eistud-1088	234	8	of	of	ADP
eistud-1088	234	9	sanctions	sanction	NOUN
eistud-1088	234	10	has	have	AUX
eistud-1088	234	11	been	be	AUX
eistud-1088	234	12	pointed	point	VERB
eistud-1088	234	13	among	among	ADP
eistud-1088	234	14	specific	specific	ADJ
eistud-1088	234	15	problems	problem	NOUN
eistud-1088	234	16	.	.	PUNCT
eistud-1088	235	1	the	the	DET
eistud-1088	235	2	specific	specific	ADJ
eistud-1088	235	3	problems	problem	NOUN
eistud-1088	235	4	can	can	AUX
eistud-1088	235	5	result	result	VERB
eistud-1088	235	6	general	general	ADJ
eistud-1088	235	7	problems	problem	NOUN
eistud-1088	235	8	in	in	ADP
eistud-1088	235	9	a	a	DET
eistud-1088	235	10	lack	lack	NOUN
eistud-1088	235	11	of	of	ADP
eistud-1088	235	12	compliance	compliance	NOUN
eistud-1088	235	13	with	with	ADP
eistud-1088	235	14	eu	eu	PROPN
eistud-1088	235	15	financial	financial	PROPN
eistud-1088	235	16	services	service	NOUN
eistud-1088	235	17	rules	rule	NOUN
eistud-1088	235	18	,	,	PUNCT
eistud-1088	235	19	such	such	ADJ
eistud-1088	235	20	as	as	ADP
eistud-1088	235	21	prudential	prudential	ADJ
eistud-1088	235	22	rules	rule	NOUN
eistud-1088	235	23	,	,	PUNCT
eistud-1088	235	24	conduct	conduct	NOUN
eistud-1088	235	25	of	of	ADP
eistud-1088	235	26	business	business	NOUN
eistud-1088	235	27	obligations	obligation	NOUN
eistud-1088	235	28	,	,	PUNCT
eistud-1088	235	29	transparency	transparency	NOUN
eistud-1088	235	30	obligations	obligation	NOUN
eistud-1088	235	31	,	,	PUNCT
eistud-1088	235	32	etc	etc	X
eistud-1088	235	33	.	.	X
eistud-1088	235	34	for	for	ADP
eistud-1088	235	35	instance	instance	NOUN
eistud-1088	235	36	,	,	PUNCT
eistud-1088	235	37	when	when	SCONJ
eistud-1088	235	38	the	the	DET
eistud-1088	235	39	maximum	maximum	ADJ
eistud-1088	235	40	amount	amount	NOUN
eistud-1088	235	41	of	of	ADP
eistud-1088	235	42	the	the	DET
eistud-1088	235	43	pecuniary	pecuniary	ADJ
eistud-1088	235	44	sanctions	sanction	NOUN
eistud-1088	235	45	is	be	AUX
eistud-1088	235	46	very	very	ADV
eistud-1088	235	47	low	low	ADJ
eistud-1088	235	48	,	,	PUNCT
eistud-1088	235	49	even	even	ADV
eistud-1088	235	50	for	for	ADP
eistud-1088	235	51	the	the	DET
eistud-1088	235	52	most	most	ADV
eistud-1088	235	53	serious	serious	ADJ
eistud-1088	235	54	infringements	infringement	NOUN
eistud-1088	235	55	,	,	PUNCT
eistud-1088	235	56	there	there	PRON
eistud-1088	235	57	is	be	VERB
eistud-1088	235	58	a	a	DET
eistud-1088	235	59	high	high	ADJ
eistud-1088	235	60	risk	risk	NOUN
eistud-1088	235	61	that	that	SCONJ
eistud-1088	235	62	sanctions	sanction	NOUN
eistud-1088	235	63	will	will	AUX
eistud-1088	235	64	not	not	PART
eistud-1088	235	65	have	have	AUX
eistud-1088	235	66	a	a	DET
eistud-1088	235	67	sufficiently	sufficiently	ADV
eistud-1088	235	68	dissuasive	dissuasive	ADJ
eistud-1088	235	69	effect	effect	NOUN
eistud-1088	235	70	,	,	PUNCT
eistud-1088	235	71	as	as	SCONJ
eistud-1088	235	72	the	the	DET
eistud-1088	235	73	perceived	perceive	VERB
eistud-1088	235	74	reward	reward	NOUN
eistud-1088	235	75	from	from	ADP
eistud-1088	235	76	such	such	ADJ
eistud-1088	235	77	behaviour	behaviour	NOUN
eistud-1088	235	78	will	will	AUX
eistud-1088	235	79	far	far	ADV
eistud-1088	235	80	outweigh	outweigh	VERB
eistud-1088	235	81	the	the	DET
eistud-1088	235	82	real	real	ADJ
eistud-1088	235	83	risk	risk	NOUN
eistud-1088	235	84	.	.	PUNCT
eistud-1088	236	1	as	as	ADP
eistud-1088	236	2	an	an	DET
eistud-1088	236	3	example	example	NOUN
eistud-1088	236	4	:	:	PUNCT
eistud-1088	236	5	in	in	ADP
eistud-1088	236	6	the	the	DET
eistud-1088	236	7	banking	banking	NOUN
eistud-1088	236	8	sector	sector	NOUN
eistud-1088	236	9	,	,	PUNCT
eistud-1088	236	10	when	when	SCONJ
eistud-1088	236	11	an	an	DET
eistud-1088	236	12	infringement	infringement	NOUN
eistud-1088	236	13	of	of	ADP
eistud-1088	236	14	banking	banking	NOUN
eistud-1088	236	15	law	law	NOUN
eistud-1088	236	16	and	and	CCONJ
eistud-1088	236	17	money	money	NOUN
eistud-1088	236	18	laundering	laundering	NOUN
eistud-1088	236	19	occurs	occur	VERB
eistud-1088	236	20	in	in	ADP
eistud-1088	236	21	some	some	DET
eistud-1088	236	22	member	member	NOUN
eistud-1088	236	23	states	state	NOUN
eistud-1088	236	24	,	,	PUNCT
eistud-1088	236	25	the	the	DET
eistud-1088	236	26	competent	competent	ADJ
eistud-1088	236	27	authorities	authority	NOUN
eistud-1088	236	28	will	will	AUX
eistud-1088	236	29	apply	apply	VERB
eistud-1088	236	30	fines	fine	NOUN
eistud-1088	236	31	of	of	ADP
eistud-1088	236	32	less	less	ADJ
eistud-1088	236	33	than	than	ADP
eistud-1088	236	34	150	150	NUM
eistud-1088	236	35	thousand	thousand	NUM
eistud-1088	236	36	eur	eur	NOUN
eistud-1088	236	37	,	,	PUNCT
eistud-1088	236	38	which	which	PRON
eistud-1088	236	39	are	be	AUX
eistud-1088	236	40	very	very	ADV
eistud-1088	236	41	unlikely	unlikely	ADJ
eistud-1088	236	42	to	to	PART
eistud-1088	236	43	have	have	VERB
eistud-1088	236	44	a	a	DET
eistud-1088	236	45	dissuasive	dissuasive	ADJ
eistud-1088	236	46	effect	effect	NOUN
eistud-1088	236	47	on	on	ADP
eistud-1088	236	48	the	the	DET
eistud-1088	236	49	large	large	ADJ
eistud-1088	236	50	banking	banking	NOUN
eistud-1088	236	51	groups	group	NOUN
eistud-1088	236	52	operating	operate	VERB
eistud-1088	236	53	in	in	ADP
eistud-1088	236	54	these	these	DET
eistud-1088	236	55	member	member	NOUN
eistud-1088	236	56	states	state	NOUN
eistud-1088	236	57	.	.	PUNCT
eistud-1088	237	1	in	in	ADP
eistud-1088	237	2	accordance	accordance	NOUN
eistud-1088	237	3	with	with	ADP
eistud-1088	237	4	literature	literature	NOUN
eistud-1088	237	5	[	[	X
eistud-1088	237	6	armour	armour	NOUN
eistud-1088	237	7	et	et	PROPN
eistud-1088	237	8	al	al	PROPN
eistud-1088	237	9	.	.	PROPN
eistud-1088	237	10	,	,	PUNCT
eistud-1088	237	11	2010	2010	NUM
eistud-1088	237	12	]	]	PUNCT
eistud-1088	237	13	,	,	PUNCT
eistud-1088	237	14	for	for	ADP
eistud-1088	237	15	a	a	DET
eistud-1088	237	16	legal	legal	ADJ
eistud-1088	237	17	penalty	penalty	NOUN
eistud-1088	237	18	to	to	PART
eistud-1088	237	19	deter	deter	VERB
eistud-1088	237	20	the	the	DET
eistud-1088	237	21	wrong	wrong	NOUN
eistud-1088	237	22	from	from	ADP
eistud-1088	237	23	which	which	PRON
eistud-1088	237	24	the	the	DET
eistud-1088	237	25	defendant	defendant	NOUN
eistud-1088	237	26	can	can	AUX
eistud-1088	237	27	gain	gain	VERB
eistud-1088	237	28	a	a	DET
eistud-1088	237	29	benefit	benefit	NOUN
eistud-1088	237	30	w	w	NOUN
eistud-1088	237	31	,	,	PUNCT
eistud-1088	237	32	the	the	DET
eistud-1088	237	33	inequality	inequality	NOUN
eistud-1088	237	34	w	w	ADP
eistud-1088	237	35	<	<	X
eistud-1088	237	36	pd	pd	PROPN
eistud-1088	237	37	(	(	PUNCT
eistud-1088	237	38	1	1	NUM
eistud-1088	237	39	)	)	PUNCT
eistud-1088	237	40	must	must	AUX
eistud-1088	237	41	be	be	AUX
eistud-1088	237	42	satisfied	satisfied	ADJ
eistud-1088	237	43	[	[	X
eistud-1088	237	44	becker	becker	NOUN
eistud-1088	237	45	,	,	PUNCT
eistud-1088	237	46	1968	1968	NUM
eistud-1088	237	47	]	]	PUNCT
eistud-1088	237	48	,	,	PUNCT
eistud-1088	237	49	where	where	SCONJ
eistud-1088	237	50	d	d	NOUN
eistud-1088	237	51	is	be	AUX
eistud-1088	237	52	the	the	DET
eistud-1088	237	53	size	size	NOUN
eistud-1088	237	54	of	of	ADP
eistud-1088	237	55	financial	financial	ADJ
eistud-1088	237	56	penalty	penalty	NOUN
eistud-1088	237	57	and	and	CCONJ
eistud-1088	237	58	p	p	X
eistud-1088	237	59	(	(	PUNCT
eistud-1088	237	60	0	0	X
eistud-1088	237	61	<	<	X
eistud-1088	237	62	p	p	X
eistud-1088	237	63	<	<	X
eistud-1088	237	64	1	1	NUM
eistud-1088	237	65	)	)	PUNCT
eistud-1088	237	66	is	be	AUX
eistud-1088	237	67	the	the	DET
eistud-1088	237	68	probability	probability	NOUN
eistud-1088	237	69	of	of	ADP
eistud-1088	237	70	enforcement	enforcement	NOUN
eistud-1088	237	71	.	.	PUNCT
eistud-1088	238	1	the	the	DET
eistud-1088	238	2	theory	theory	NOUN
eistud-1088	238	3	of	of	ADP
eistud-1088	238	4	optimal	optimal	ADJ
eistud-1088	238	5	deterrence	deterrence	NOUN
eistud-1088	238	6	implies	imply	VERB
eistud-1088	238	7	that	that	SCONJ
eistud-1088	238	8	policy	policy	NOUN
eistud-1088	238	9	-	-	PUNCT
eistud-1088	238	10	makers	maker	NOUN
eistud-1088	238	11	should	should	AUX
eistud-1088	238	12	calibrate	calibrate	VERB
eistud-1088	238	13	the	the	DET
eistud-1088	238	14	right	right	ADJ
eistud-1088	238	15	hand	hand	NOUN
eistud-1088	238	16	side	side	NOUN
eistud-1088	238	17	of	of	ADP
eistud-1088	238	18	inequality	inequality	NOUN
eistud-1088	238	19	(	(	PUNCT
eistud-1088	238	20	1	1	NUM
eistud-1088	238	21	)	)	PUNCT
eistud-1088	238	22	according	accord	VERB
eistud-1088	238	23	to	to	ADP
eistud-1088	238	24	the	the	DET
eistud-1088	238	25	social	social	ADJ
eistud-1088	238	26	cost	cost	NOUN
eistud-1088	238	27	of	of	ADP
eistud-1088	238	28	the	the	DET
eistud-1088	238	29	wrong	wrong	NOUN
eistud-1088	238	30	in	in	ADP
eistud-1088	238	31	question	question	NOUN
eistud-1088	238	32	,	,	PUNCT
eistud-1088	238	33	through	through	ADP
eistud-1088	238	34	either	either	CCONJ
eistud-1088	238	35	the	the	DET
eistud-1088	238	36	amount	amount	NOUN
eistud-1088	238	37	spent	spend	VERB
eistud-1088	238	38	on	on	ADP
eistud-1088	238	39	detection	detection	NOUN
eistud-1088	238	40	and	and	CCONJ
eistud-1088	238	41	enforcement	enforcement	NOUN
eistud-1088	238	42	(	(	PUNCT
eistud-1088	238	43	p	p	NOUN
eistud-1088	238	44	)	)	PUNCT
eistud-1088	238	45	or	or	CCONJ
eistud-1088	238	46	the	the	DET
eistud-1088	238	47	size	size	NOUN
eistud-1088	238	48	of	of	ADP
eistud-1088	238	49	the	the	DET
eistud-1088	238	50	penalty	penalty	NOUN
eistud-1088	238	51	(	(	PUNCT
eistud-1088	238	52	d	d	NOUN
eistud-1088	238	53	)	)	PUNCT
eistud-1088	238	54	.	.	PUNCT
eistud-1088	239	1	those	those	DET
eistud-1088	239	2	divergences	divergence	NOUN
eistud-1088	239	3	and	and	CCONJ
eistud-1088	239	4	weaknesses	weakness	NOUN
eistud-1088	239	5	of	of	ADP
eistud-1088	239	6	sanctioning	sanction	VERB
eistud-1088	239	7	regimes	regime	NOUN
eistud-1088	239	8	can	can	AUX
eistud-1088	239	9	also	also	ADV
eistud-1088	239	10	have	have	VERB
eistud-1088	239	11	a	a	DET
eistud-1088	239	12	negative	negative	ADJ
eistud-1088	239	13	impact	impact	NOUN
eistud-1088	239	14	on	on	ADP
eistud-1088	239	15	the	the	DET
eistud-1088	239	16	trust	trust	NOUN
eistud-1088	239	17	between	between	ADP
eistud-1088	239	18	national	national	ADJ
eistud-1088	239	19	supervisors	supervisor	NOUN
eistud-1088	239	20	and	and	CCONJ
eistud-1088	239	21	hence	hence	ADV
eistud-1088	239	22	on	on	ADP
eistud-1088	239	23	cross	cross	NOUN
eistud-1088	239	24	border	border	NOUN
eistud-1088	239	25	financial	financial	ADJ
eistud-1088	239	26	supervision	supervision	NOUN
eistud-1088	239	27	.	.	PUNCT
eistud-1088	240	1	the	the	DET
eistud-1088	240	2	levels	level	NOUN
eistud-1088	240	3	of	of	ADP
eistud-1088	240	4	administrative	administrative	ADJ
eistud-1088	240	5	pecuniary	pecuniary	ADJ
eistud-1088	240	6	sanctions	sanction	NOUN
eistud-1088	240	7	(	(	PUNCT
eistud-1088	240	8	fines	fine	NOUN
eistud-1088	240	9	)	)	PUNCT
eistud-1088	240	10	vary	vary	VERB
eistud-1088	240	11	widely	widely	ADV
eistud-1088	240	12	across	across	ADP
eistud-1088	240	13	the	the	DET
eistud-1088	240	14	member	member	NOUN
eistud-1088	240	15	states	state	NOUN
eistud-1088	240	16	and	and	CCONJ
eistud-1088	240	17	seem	seem	VERB
eistud-1088	240	18	too	too	ADV
eistud-1088	240	19	ineffective	ineffective	ADJ
eistud-1088	240	20	in	in	ADP
eistud-1088	240	21	some	some	DET
eistud-1088	240	22	member	member	NOUN
eistud-1088	240	23	states	state	NOUN
eistud-1088	240	24	,	,	PUNCT
eistud-1088	240	25	including	include	VERB
eistud-1088	240	26	for	for	ADP
eistud-1088	240	27	the	the	DET
eistud-1088	240	28	same	same	ADJ
eistud-1088	240	29	type	type	NOUN
eistud-1088	240	30	of	of	ADP
eistud-1088	240	31	infringement	infringement	NOUN
eistud-1088	240	32	.	.	PUNCT
eistud-1088	241	1	for	for	ADP
eistud-1088	241	2	instance	instance	NOUN
eistud-1088	241	3	,	,	PUNCT
eistud-1088	241	4	as	as	SCONJ
eistud-1088	241	5	regards	regard	VERB
eistud-1088	241	6	the	the	DET
eistud-1088	241	7	level	level	NOUN
eistud-1088	241	8	of	of	ADP
eistud-1088	241	9	administrative	administrative	ADJ
eistud-1088	241	10	pecuniary	pecuniary	ADJ
eistud-1088	241	11	sanctions	sanction	NOUN
eistud-1088	241	12	,	,	PUNCT
eistud-1088	241	13	the	the	DET
eistud-1088	241	14	maximum	maximum	ADJ
eistud-1088	241	15	levels	level	NOUN
eistud-1088	241	16	provided	provide	VERB
eistud-1088	241	17	for	for	ADP
eistud-1088	241	18	in	in	ADP
eistud-1088	241	19	national	national	ADJ
eistud-1088	241	20	legislation	legislation	NOUN
eistud-1088	241	21	diverge	diverge	VERB
eistud-1088	241	22	very	very	ADV
eistud-1088	241	23	widely	widely	ADV
eistud-1088	241	24	:	:	PUNCT
eistud-1088	241	25	–	–	PUNCT
eistud-1088	241	26	banking	banking	NOUN
eistud-1088	241	27	sector	sector	NOUN
eistud-1088	241	28	:	:	PUNCT
eistud-1088	241	29	the	the	DET
eistud-1088	241	30	maximum	maximum	ADJ
eistud-1088	241	31	amount	amount	NOUN
eistud-1088	241	32	of	of	ADP
eistud-1088	241	33	fines	fine	NOUN
eistud-1088	241	34	provided	provide	VERB
eistud-1088	241	35	for	for	ADP
eistud-1088	241	36	in	in	ADP
eistud-1088	241	37	case	case	NOUN
eistud-1088	241	38	of	of	ADP
eistud-1088	241	39	violation	violation	NOUN
eistud-1088	241	40	is	be	AUX
eistud-1088	241	41	unlimited	unlimited	ADJ
eistud-1088	241	42	or	or	CCONJ
eistud-1088	241	43	variable	variable	ADJ
eistud-1088	241	44	in	in	ADP
eistud-1088	241	45	5	5	NUM
eistud-1088	241	46	member	member	NOUN
eistud-1088	241	47	states	state	NOUN
eistud-1088	241	48	,	,	PUNCT
eistud-1088	241	49	issn	issn	PROPN
eistud-1088	241	50	1822–8402	1822–8402	NUM
eistud-1088	241	51	european	european	ADJ
eistud-1088	241	52	integration	integration	NOUN
eistud-1088	241	53	studies	study	NOUN
eistud-1088	241	54	.	.	PUNCT
eistud-1088	242	1	2011	2011	NUM
eistud-1088	242	2	.	.	PUNCT
eistud-1088	243	1	no	no	DET
eistud-1088	243	2	5	5	NUM
eistud-1088	243	3	138	138	NUM
eistud-1088	243	4	more	more	ADJ
eistud-1088	243	5	than	than	ADP
eistud-1088	243	6	1	1	NUM
eistud-1088	243	7	million	million	NUM
eistud-1088	243	8	eur	eur	NOUN
eistud-1088	243	9	in	in	ADP
eistud-1088	243	10	9	9	NUM
eistud-1088	243	11	member	member	NOUN
eistud-1088	243	12	states	state	NOUN
eistud-1088	243	13	,	,	PUNCT
eistud-1088	243	14	less	less	ADJ
eistud-1088	243	15	than	than	ADP
eistud-1088	243	16	150	150	NUM
eistud-1088	243	17	thousand	thousand	NUM
eistud-1088	243	18	eur	eur	NOUN
eistud-1088	243	19	in	in	ADP
eistud-1088	243	20	7	7	NUM
eistud-1088	243	21	member	member	NOUN
eistud-1088	243	22	states	state	NOUN
eistud-1088	243	23	.	.	PUNCT
eistud-1088	244	1	chart	chart	NOUN
eistud-1088	244	2	6	6	NUM
eistud-1088	244	3	,	,	PUNCT
eistud-1088	244	4	compiled	compile	VERB
eistud-1088	244	5	from	from	ADP
eistud-1088	244	6	input	input	NOUN
eistud-1088	244	7	from	from	ADP
eistud-1088	244	8	member	member	NOUN
eistud-1088	244	9	states	state	NOUN
eistud-1088	244	10	,	,	PUNCT
eistud-1088	244	11	gives	give	VERB
eistud-1088	244	12	an	an	DET
eistud-1088	244	13	overview	overview	NOUN
eistud-1088	244	14	of	of	ADP
eistud-1088	244	15	the	the	DET
eistud-1088	244	16	amount	amount	NOUN
eistud-1088	244	17	of	of	ADP
eistud-1088	244	18	administrative	administrative	ADJ
eistud-1088	244	19	financial	financial	ADJ
eistud-1088	244	20	sanctions	sanction	NOUN
eistud-1088	244	21	imposed	impose	VERB
eistud-1088	244	22	in	in	ADP
eistud-1088	244	23	the	the	DET
eistud-1088	244	24	banking	banking	NOUN
eistud-1088	244	25	sector	sector	NOUN
eistud-1088	244	26	(	(	PUNCT
eistud-1088	244	27	compared	compare	VERB
eistud-1088	244	28	with	with	ADP
eistud-1088	244	29	the	the	DET
eistud-1088	244	30	range	range	NOUN
eistud-1088	244	31	of	of	ADP
eistud-1088	244	32	sanctions	sanction	NOUN
eistud-1088	244	33	that	that	PRON
eistud-1088	244	34	is	be	AUX
eistud-1088	244	35	the	the	DET
eistud-1088	244	36	minimum	minimum	ADJ
eistud-1088	244	37	and	and	CCONJ
eistud-1088	244	38	maximum	maximum	ADJ
eistud-1088	244	39	levels	level	NOUN
eistud-1088	244	40	provided	provide	VERB
eistud-1088	244	41	for	for	ADP
eistud-1088	244	42	in	in	ADP
eistud-1088	244	43	the	the	DET
eistud-1088	244	44	legislation	legislation	NOUN
eistud-1088	244	45	)	)	PUNCT
eistud-1088	244	46	.	.	PUNCT
eistud-1088	245	1	from	from	ADP
eistud-1088	245	2	this	this	DET
eistud-1088	245	3	chart	chart	NOUN
eistud-1088	245	4	it	it	PRON
eistud-1088	245	5	can	can	AUX
eistud-1088	245	6	be	be	AUX
eistud-1088	245	7	seen	see	VERB
eistud-1088	245	8	that	that	SCONJ
eistud-1088	245	9	the	the	DET
eistud-1088	245	10	majority	majority	NOUN
eistud-1088	245	11	of	of	ADP
eistud-1088	245	12	member	member	NOUN
eistud-1088	245	13	states	state	NOUN
eistud-1088	245	14	,	,	PUNCT
eistud-1088	245	15	imposed	impose	VERB
eistud-1088	245	16	little	little	ADJ
eistud-1088	245	17	or	or	CCONJ
eistud-1088	245	18	no	no	PRON
eistud-1088	245	19	sanctions	sanction	NOUN
eistud-1088	245	20	during	during	ADP
eistud-1088	245	21	that	that	DET
eistud-1088	245	22	period	period	NOUN
eistud-1088	245	23	.	.	PUNCT
eistud-1088	246	1	it	it	PRON
eistud-1088	246	2	also	also	ADV
eistud-1088	246	3	shows	show	VERB
eistud-1088	246	4	that	that	SCONJ
eistud-1088	246	5	in	in	ADP
eistud-1088	246	6	most	most	ADJ
eistud-1088	246	7	cases	case	NOUN
eistud-1088	246	8	where	where	SCONJ
eistud-1088	246	9	a	a	DET
eistud-1088	246	10	wide	wide	ADJ
eistud-1088	246	11	range	range	NOUN
eistud-1088	246	12	of	of	ADP
eistud-1088	246	13	sanctions	sanction	NOUN
eistud-1088	246	14	are	be	AUX
eistud-1088	246	15	allowed	allow	VERB
eistud-1088	246	16	in	in	ADP
eistud-1088	246	17	the	the	DET
eistud-1088	246	18	statute	statute	NOUN
eistud-1088	246	19	book	book	NOUN
eistud-1088	246	20	,	,	PUNCT
eistud-1088	246	21	including	include	VERB
eistud-1088	246	22	very	very	ADV
eistud-1088	246	23	high	high	ADJ
eistud-1088	246	24	sanctions	sanction	NOUN
eistud-1088	246	25	that	that	PRON
eistud-1088	246	26	range	range	NOUN
eistud-1088	246	27	of	of	ADP
eistud-1088	246	28	sanctions	sanction	NOUN
eistud-1088	246	29	is	be	AUX
eistud-1088	246	30	not	not	PART
eistud-1088	246	31	effectively	effectively	ADV
eistud-1088	246	32	imposed	impose	VERB
eistud-1088	246	33	.	.	PUNCT
eistud-1088	247	1	only	only	ADV
eistud-1088	247	2	in	in	ADP
eistud-1088	247	3	three	three	NUM
eistud-1088	247	4	member	member	NOUN
eistud-1088	247	5	states	state	NOUN
eistud-1088	247	6	was	be	AUX
eistud-1088	247	7	a	a	DET
eistud-1088	247	8	significant	significant	ADJ
eistud-1088	247	9	amount	amount	NOUN
eistud-1088	247	10	of	of	ADP
eistud-1088	247	11	sanctions	sanction	NOUN
eistud-1088	247	12	,	,	PUNCT
eistud-1088	247	13	totalling	total	VERB
eistud-1088	247	14	over	over	ADP
eistud-1088	247	15	one	one	NUM
eistud-1088	247	16	million	million	NUM
eistud-1088	247	17	eur	eur	NOUN
eistud-1088	247	18	,	,	PUNCT
eistud-1088	247	19	actually	actually	ADV
eistud-1088	247	20	imposed	impose	VERB
eistud-1088	247	21	in	in	ADP
eistud-1088	247	22	the	the	DET
eistud-1088	247	23	banking	banking	NOUN
eistud-1088	247	24	sector	sector	NOUN
eistud-1088	247	25	during	during	ADP
eistud-1088	247	26	that	that	DET
eistud-1088	247	27	period	period	NOUN
eistud-1088	247	28	.	.	PUNCT
eistud-1088	248	1	in	in	ADP
eistud-1088	248	2	particular	particular	ADJ
eistud-1088	248	3	,	,	PUNCT
eistud-1088	248	4	if	if	SCONJ
eistud-1088	248	5	enforcement	enforcement	NOUN
eistud-1088	248	6	intensity	intensity	NOUN
eistud-1088	248	7	is	be	AUX
eistud-1088	248	8	measured	measure	VERB
eistud-1088	248	9	by	by	ADP
eistud-1088	248	10	financial	financial	ADJ
eistud-1088	248	11	penalties	penalty	NOUN
eistud-1088	248	12	imposed	impose	VERB
eistud-1088	248	13	,	,	PUNCT
eistud-1088	248	14	the	the	DET
eistud-1088	248	15	us	us	PROPN
eistud-1088	248	16	looks	look	VERB
eistud-1088	248	17	to	to	PART
eistud-1088	248	18	be	be	AUX
eistud-1088	248	19	an	an	DET
eistud-1088	248	20	outlier	outlier	NOUN
eistud-1088	248	21	in	in	ADP
eistud-1088	248	22	world	world	NOUN
eistud-1088	248	23	enforcement	enforcement	NOUN
eistud-1088	248	24	activity	activity	NOUN
eistud-1088	249	1	[	[	X
eistud-1088	249	2	coffee	coffee	NOUN
eistud-1088	249	3	,	,	PUNCT
eistud-1088	249	4	2007	2007	NUM
eistud-1088	249	5	]	]	PUNCT
eistud-1088	249	6	,	,	PUNCT
eistud-1088	249	7	[	[	X
eistud-1088	249	8	armour	armour	NOUN
eistud-1088	249	9	et	et	PROPN
eistud-1088	249	10	al	al	PROPN
eistud-1088	249	11	.	.	PROPN
eistud-1088	249	12	,	,	PUNCT
eistud-1088	249	13	2009	2009	NUM
eistud-1088	249	14	]	]	PUNCT
eistud-1088	249	15	.	.	PUNCT
eistud-1088	250	1	the	the	DET
eistud-1088	250	2	gap	gap	NOUN
eistud-1088	250	3	in	in	ADP
eistud-1088	250	4	aggregate	aggregate	ADJ
eistud-1088	250	5	fines	fine	NOUN
eistud-1088	250	6	,	,	PUNCT
eistud-1088	250	7	even	even	ADV
eistud-1088	250	8	adjusted	adjust	VERB
eistud-1088	250	9	for	for	ADP
eistud-1088	250	10	differences	difference	NOUN
eistud-1088	250	11	in	in	ADP
eistud-1088	250	12	market	market	NOUN
eistud-1088	250	13	capitalization	capitalization	NOUN
eistud-1088	250	14	,	,	PUNCT
eistud-1088	250	15	is	be	AUX
eistud-1088	250	16	so	so	ADV
eistud-1088	250	17	large	large	ADJ
eistud-1088	250	18	(	(	PUNCT
eistud-1088	250	19	an	an	DET
eistud-1088	250	20	order	order	NOUN
eistud-1088	250	21	of	of	ADP
eistud-1088	250	22	four	four	NUM
eistud-1088	250	23	or	or	CCONJ
eistud-1088	250	24	five	five	NUM
eistud-1088	250	25	times	time	NOUN
eistud-1088	250	26	anywhere	anywhere	ADV
eistud-1088	250	27	else	else	ADV
eistud-1088	250	28	)	)	PUNCT
eistud-1088	250	29	as	as	SCONJ
eistud-1088	250	30	to	to	PART
eistud-1088	250	31	pose	pose	VERB
eistud-1088	250	32	the	the	DET
eistud-1088	250	33	question	question	NOUN
eistud-1088	250	34	whether	whether	SCONJ
eistud-1088	250	35	misconduct	misconduct	NOUN
eistud-1088	250	36	outside	outside	ADP
eistud-1088	250	37	the	the	DET
eistud-1088	250	38	us	us	PROPN
eistud-1088	250	39	in	in	ADP
eistud-1088	250	40	fact	fact	NOUN
eistud-1088	250	41	goes	go	VERB
eistud-1088	250	42	unpunished	unpunished	ADJ
eistud-1088	250	43	.	.	PUNCT
eistud-1088	251	1	however	however	ADV
eistud-1088	251	2	,	,	PUNCT
eistud-1088	251	3	it	it	PRON
eistud-1088	251	4	may	may	AUX
eistud-1088	251	5	be	be	AUX
eistud-1088	251	6	that	that	SCONJ
eistud-1088	251	7	regulators	regulator	NOUN
eistud-1088	251	8	elsewhere	elsewhere	ADV
eistud-1088	251	9	—	—	PUNCT
eistud-1088	251	10	whose	whose	DET
eistud-1088	251	11	budgets	budget	NOUN
eistud-1088	251	12	are	be	AUX
eistud-1088	251	13	no	no	ADV
eistud-1088	251	14	less	less	ADJ
eistud-1088	251	15	,	,	PUNCT
eistud-1088	251	16	in	in	ADP
eistud-1088	251	17	per	per	ADP
eistud-1088	251	18	capita	capita	NOUN
eistud-1088	251	19	terms	term	NOUN
eistud-1088	251	20	,	,	PUNCT
eistud-1088	251	21	than	than	SCONJ
eistud-1088	251	22	the	the	DET
eistud-1088	251	23	us	us	PROPN
eistud-1088	251	24	—	—	PUNCT
eistud-1088	251	25	rely	rely	VERB
eistud-1088	251	26	more	more	ADV
eistud-1088	251	27	heavily	heavily	ADV
eistud-1088	251	28	on	on	ADP
eistud-1088	251	29	reputational	reputational	ADJ
eistud-1088	251	30	than	than	ADP
eistud-1088	251	31	financial	financial	ADJ
eistud-1088	251	32	penalties	penalty	NOUN
eistud-1088	251	33	[	[	X
eistud-1088	251	34	jackson	jackson	PROPN
eistud-1088	251	35	,	,	PUNCT
eistud-1088	251	36	2008	2008	NUM
eistud-1088	251	37	]	]	PUNCT
eistud-1088	251	38	,	,	PUNCT
eistud-1088	251	39	[	[	X
eistud-1088	251	40	armour	armour	NOUN
eistud-1088	251	41	,	,	PUNCT
eistud-1088	251	42	2009	2009	NUM
eistud-1088	251	43	]	]	PUNCT
eistud-1088	251	44	.	.	PUNCT
eistud-1088	252	1	the	the	DET
eistud-1088	252	2	difference	difference	NOUN
eistud-1088	252	3	may	may	AUX
eistud-1088	252	4	be	be	AUX
eistud-1088	252	5	more	more	ADJ
eistud-1088	252	6	one	one	NUM
eistud-1088	252	7	of	of	ADP
eistud-1088	252	8	enforcement	enforcement	NOUN
eistud-1088	252	9	style	style	NOUN
eistud-1088	252	10	than	than	ADP
eistud-1088	252	11	intensity	intensity	NOUN
eistud-1088	252	12	.	.	PUNCT
eistud-1088	253	1	source	source	NOUN
eistud-1088	253	2	:	:	PUNCT
eistud-1088	253	3	cebs	cebs	PROPN
eistud-1088	253	4	report	report	NOUN
eistud-1088	253	5	,	,	PUNCT
eistud-1088	253	6	p.50	p.50	PROPN
eistud-1088	253	7	-	-	X
eistud-1088	253	8	52	52	NUM
eistud-1088	253	9	and	and	CCONJ
eistud-1088	253	10	contribution	contribution	NOUN
eistud-1088	253	11	from	from	ADP
eistud-1088	253	12	national	national	ADJ
eistud-1088	253	13	authorities	authority	NOUN
eistud-1088	253	14	sanctions	sanction	NOUN
eistud-1088	253	15	in	in	ADP
eistud-1088	253	16	latvia	latvia	PROPN
eistud-1088	253	17	the	the	DET
eistud-1088	253	18	author	author	NOUN
eistud-1088	253	19	has	have	AUX
eistud-1088	253	20	performed	perform	VERB
eistud-1088	253	21	the	the	DET
eistud-1088	253	22	analysis	analysis	NOUN
eistud-1088	253	23	of	of	ADP
eistud-1088	253	24	legal	legal	ADJ
eistud-1088	253	25	documents	document	NOUN
eistud-1088	253	26	,	,	PUNCT
eistud-1088	253	27	which	which	PRON
eistud-1088	253	28	determine	determine	VERB
eistud-1088	253	29	the	the	DET
eistud-1088	253	30	highest	high	ADJ
eistud-1088	253	31	administrative	administrative	ADJ
eistud-1088	253	32	sanctions	sanction	NOUN
eistud-1088	253	33	that	that	PRON
eistud-1088	253	34	could	could	AUX
eistud-1088	253	35	be	be	AUX
eistud-1088	253	36	applied	apply	VERB
eistud-1088	253	37	to	to	ADP
eistud-1088	253	38	credit	credit	NOUN
eistud-1088	253	39	institutions	institution	NOUN
eistud-1088	253	40	in	in	ADP
eistud-1088	253	41	latvia	latvia	PROPN
eistud-1088	253	42	.	.	PUNCT
eistud-1088	254	1	such	such	ADJ
eistud-1088	254	2	sanctions	sanction	NOUN
eistud-1088	254	3	are	be	AUX
eistud-1088	254	4	prescribed	prescribe	VERB
eistud-1088	254	5	in	in	ADP
eistud-1088	254	6	two	two	NUM
eistud-1088	254	7	legal	legal	ADJ
eistud-1088	254	8	acts	act	NOUN
eistud-1088	254	9	–	–	PUNCT
eistud-1088	254	10	code	code	NOUN
eistud-1088	254	11	of	of	ADP
eistud-1088	254	12	administrative	administrative	ADJ
eistud-1088	254	13	violation	violation	NOUN
eistud-1088	254	14	(	(	PUNCT
eistud-1088	254	15	code	code	NOUN
eistud-1088	254	16	of	of	ADP
eistud-1088	254	17	administrative	administrative	ADJ
eistud-1088	254	18	violation	violation	NOUN
eistud-1088	254	19	,	,	PUNCT
eistud-1088	254	20	1984	1984	NUM
eistud-1088	254	21	)	)	PUNCT
eistud-1088	254	22	and	and	CCONJ
eistud-1088	254	23	the	the	DET
eistud-1088	254	24	law	law	NOUN
eistud-1088	254	25	of	of	ADP
eistud-1088	254	26	credit	credit	NOUN
eistud-1088	254	27	institutions	institution	NOUN
eistud-1088	254	28	(	(	PUNCT
eistud-1088	254	29	law	law	NOUN
eistud-1088	254	30	of	of	ADP
eistud-1088	254	31	credit	credit	NOUN
eistud-1088	254	32	institutions	institution	NOUN
eistud-1088	254	33	,	,	PUNCT
eistud-1088	254	34	1995	1995	NUM
eistud-1088	254	35	)	)	PUNCT
eistud-1088	254	36	.	.	PUNCT
eistud-1088	255	1	in	in	ADP
eistud-1088	255	2	all	all	PRON
eistud-1088	255	3	there	there	PRON
eistud-1088	255	4	are	be	VERB
eistud-1088	255	5	determined	determine	VERB
eistud-1088	255	6	ten	ten	NUM
eistud-1088	255	7	violation	violation	NOUN
eistud-1088	255	8	kinds	kind	NOUN
eistud-1088	255	9	and	and	CCONJ
eistud-1088	255	10	the	the	DET
eistud-1088	255	11	fines	fine	NOUN
eistud-1088	255	12	are	be	AUX
eistud-1088	255	13	from	from	ADP
eistud-1088	255	14	250	250	NUM
eistud-1088	255	15	till	till	SCONJ
eistud-1088	255	16	100	100	NUM
eistud-1088	255	17	thousand	thousand	NUM
eistud-1088	255	18	lvl	lvl	NOUN
eistud-1088	255	19	or	or	CCONJ
eistud-1088	255	20	the	the	DET
eistud-1088	255	21	corresponding	corresponding	ADJ
eistud-1088	255	22	eur	eur	NOUN
eistud-1088	255	23	.	.	PUNCT
eistud-1088	256	1	the	the	DET
eistud-1088	256	2	highest	high	ADJ
eistud-1088	256	3	sanction	sanction	NOUN
eistud-1088	256	4	can	can	AUX
eistud-1088	256	5	be	be	AUX
eistud-1088	256	6	applied	apply	VERB
eistud-1088	256	7	for	for	ADP
eistud-1088	256	8	the	the	DET
eistud-1088	256	9	actions	action	NOUN
eistud-1088	256	10	if	if	SCONJ
eistud-1088	256	11	the	the	DET
eistud-1088	256	12	violation	violation	NOUN
eistud-1088	256	13	of	of	ADP
eistud-1088	256	14	the	the	DET
eistud-1088	256	15	law	law	NOUN
eistud-1088	256	16	“	"	PUNCT
eistud-1088	256	17	on	on	ADP
eistud-1088	256	18	money	money	NOUN
eistud-1088	256	19	laundering	laundering	NOUN
eistud-1088	256	20	prevention	prevention	NOUN
eistud-1088	256	21	”	"	PUNCT
eistud-1088	256	22	has	have	AUX
eistud-1088	256	23	happened	happen	VERB
eistud-1088	256	24	.	.	PUNCT
eistud-1088	257	1	consequently	consequently	ADV
eistud-1088	257	2	,	,	PUNCT
eistud-1088	257	3	the	the	DET
eistud-1088	257	4	investments	investment	NOUN
eistud-1088	257	5	of	of	ADP
eistud-1088	257	6	the	the	DET
eistud-1088	257	7	eu	eu	PROPN
eistud-1088	257	8	are	be	AUX
eistud-1088	257	9	being	be	AUX
eistud-1088	257	10	confirmed	confirm	VERB
eistud-1088	257	11	and	and	CCONJ
eistud-1088	257	12	latvia	latvia	PROPN
eistud-1088	257	13	is	be	AUX
eistud-1088	257	14	ranging	range	VERB
eistud-1088	257	15	among	among	ADP
eistud-1088	257	16	the	the	DET
eistud-1088	257	17	countries	country	NOUN
eistud-1088	257	18	where	where	SCONJ
eistud-1088	257	19	the	the	DET
eistud-1088	257	20	bank	bank	NOUN
eistud-1088	257	21	’s	’s	PART
eistud-1088	257	22	fines	fine	NOUN
eistud-1088	257	23	are	be	AUX
eistud-1088	257	24	the	the	DET
eistud-1088	257	25	lowest	low	ADJ
eistud-1088	257	26	.	.	PUNCT
eistud-1088	258	1	direct	direct	ADJ
eistud-1088	258	2	penalties	penalty	NOUN
eistud-1088	258	3	according	accord	VERB
eistud-1088	258	4	[	[	X
eistud-1088	258	5	armour	armour	NOUN
eistud-1088	258	6	et	et	PROPN
eistud-1088	258	7	al	al	PROPN
eistud-1088	258	8	.	.	PROPN
eistud-1088	258	9	,	,	PUNCT
eistud-1088	258	10	2010	2010	NUM
eistud-1088	258	11	]	]	PUNCT
eistud-1088	258	12	are	be	AUX
eistud-1088	258	13	only	only	ADV
eistud-1088	258	14	one	one	NUM
eistud-1088	258	15	,	,	PUNCT
eistud-1088	258	16	and	and	CCONJ
eistud-1088	258	17	a	a	DET
eistud-1088	258	18	surprisingly	surprisingly	ADV
eistud-1088	258	19	small	small	ADJ
eistud-1088	258	20	,	,	PUNCT
eistud-1088	258	21	component	component	NOUN
eistud-1088	258	22	of	of	ADP
eistud-1088	258	23	the	the	DET
eistud-1088	258	24	overall	overall	ADJ
eistud-1088	258	25	sanctions	sanction	NOUN
eistud-1088	258	26	available	available	ADJ
eistud-1088	258	27	to	to	ADP
eistud-1088	258	28	regulators	regulator	NOUN
eistud-1088	258	29	.	.	PUNCT
eistud-1088	259	1	there	there	PRON
eistud-1088	259	2	is	be	VERB
eistud-1088	259	3	another	another	PRON
eistud-1088	259	4	that	that	PRON
eistud-1088	259	5	has	have	AUX
eistud-1088	259	6	received	receive	VERB
eistud-1088	259	7	less	less	ADJ
eistud-1088	259	8	attention	attention	NOUN
eistud-1088	259	9	to	to	ADP
eistud-1088	259	10	date	date	NOUN
eistud-1088	259	11	but	but	CCONJ
eistud-1088	259	12	is	be	AUX
eistud-1088	259	13	revealed	reveal	VERB
eistud-1088	259	14	in	in	ADP
eistud-1088	259	15	this	this	DET
eistud-1088	259	16	paper	paper	NOUN
eistud-1088	259	17	to	to	PART
eistud-1088	259	18	be	be	AUX
eistud-1088	259	19	potentially	potentially	ADV
eistud-1088	259	20	far	far	ADV
eistud-1088	259	21	more	more	ADV
eistud-1088	259	22	potent	potent	ADJ
eistud-1088	259	23	than	than	ADP
eistud-1088	259	24	direct	direct	ADJ
eistud-1088	259	25	penalties	penalty	NOUN
eistud-1088	259	26	.	.	PUNCT
eistud-1088	260	1	a	a	DET
eistud-1088	260	2	firm	firm	NOUN
eistud-1088	260	3	’s	’s	PART
eistud-1088	260	4	reputation	reputation	NOUN
eistud-1088	260	5	demonstrates	demonstrate	VERB
eistud-1088	260	6	the	the	DET
eistud-1088	260	7	expectations	expectation	NOUN
eistud-1088	260	8	that	that	SCONJ
eistud-1088	260	9	its	its	PRON
eistud-1088	260	10	partners	partner	NOUN
eistud-1088	260	11	have	have	VERB
eistud-1088	260	12	of	of	ADP
eistud-1088	260	13	the	the	DET
eistud-1088	260	14	benefits	benefit	NOUN
eistud-1088	260	15	of	of	ADP
eistud-1088	260	16	trading	trade	VERB
eistud-1088	260	17	with	with	ADP
eistud-1088	260	18	it	it	PRON
eistud-1088	260	19	.	.	PUNCT
eistud-1088	261	1	in	in	ADP
eistud-1088	261	2	general	general	ADJ
eistud-1088	261	3	this	this	PRON
eistud-1088	261	4	is	be	AUX
eistud-1088	261	5	difficult	difficult	ADJ
eistud-1088	261	6	to	to	PART
eistud-1088	261	7	measure	measure	VERB
eistud-1088	261	8	but	but	CCONJ
eistud-1088	261	9	the	the	DET
eistud-1088	261	10	release	release	NOUN
eistud-1088	261	11	of	of	ADP
eistud-1088	261	12	new	new	ADJ
eistud-1088	261	13	information	information	NOUN
eistud-1088	261	14	provides	provide	VERB
eistud-1088	261	15	an	an	DET
eistud-1088	261	16	opportunity	opportunity	NOUN
eistud-1088	261	17	to	to	PART
eistud-1088	261	18	do	do	AUX
eistud-1088	261	19	so	so	ADV
eistud-1088	261	20	.	.	PUNCT
eistud-1088	262	1	[	[	X
eistud-1088	262	2	armour	armour	NOUN
eistud-1088	262	3	et	et	PROPN
eistud-1088	262	4	al	al	PROPN
eistud-1088	262	5	.	.	PROPN
eistud-1088	262	6	,	,	PUNCT
eistud-1088	262	7	2010	2010	NUM
eistud-1088	262	8	]	]	PUNCT
eistud-1088	262	9	study	study	VERB
eistud-1088	262	10	the	the	DET
eistud-1088	262	11	effect	effect	NOUN
eistud-1088	262	12	on	on	ADP
eistud-1088	262	13	firms	firm	NOUN
eistud-1088	262	14	’	’	PART
eistud-1088	262	15	reputations	reputation	NOUN
eistud-1088	262	16	of	of	ADP
eistud-1088	262	17	the	the	DET
eistud-1088	262	18	announcement	announcement	NOUN
eistud-1088	262	19	by	by	ADP
eistud-1088	262	20	a	a	DET
eistud-1088	262	21	regulator	regulator	NOUN
eistud-1088	262	22	of	of	ADP
eistud-1088	262	23	corporate	corporate	ADJ
eistud-1088	262	24	misconduct	misconduct	NOUN
eistud-1088	262	25	and	and	CCONJ
eistud-1088	262	26	examine	examine	VERB
eistud-1088	262	27	whether	whether	SCONJ
eistud-1088	262	28	following	follow	VERB
eistud-1088	262	29	a	a	DET
eistud-1088	262	30	firm	firm	NOUN
eistud-1088	262	31	’s	’s	PART
eistud-1088	262	32	‘	'	PUNCT
eistud-1088	262	33	naming	naming	NOUN
eistud-1088	262	34	’	'	PUNCT
eistud-1088	262	35	as	as	ADP
eistud-1088	262	36	a	a	DET
eistud-1088	262	37	wrongdoer	wrongdoer	NOUN
eistud-1088	262	38	by	by	ADP
eistud-1088	262	39	a	a	DET
eistud-1088	262	40	regulator	regulator	NOUN
eistud-1088	262	41	,	,	PUNCT
eistud-1088	262	42	it	it	PRON
eistud-1088	262	43	suffers	suffer	VERB
eistud-1088	262	44	‘	'	PUNCT
eistud-1088	262	45	shaming	shame	VERB
eistud-1088	262	46	’	'	PUNCT
eistud-1088	262	47	in	in	ADP
eistud-1088	262	48	terms	term	NOUN
eistud-1088	262	49	of	of	ADP
eistud-1088	262	50	lost	lose	VERB
eistud-1088	262	51	reputation	reputation	NOUN
eistud-1088	262	52	.	.	PUNCT
eistud-1088	263	1	[	[	X
eistud-1088	263	2	armour	armour	NOUN
eistud-1088	263	3	et	et	PROPN
eistud-1088	263	4	al	al	PROPN
eistud-1088	263	5	.	.	PROPN
eistud-1088	263	6	,	,	PUNCT
eistud-1088	263	7	2010	2010	NUM
eistud-1088	263	8	]	]	PUNCT
eistud-1088	263	9	have	have	AUX
eistud-1088	263	10	found	find	VERB
eistud-1088	263	11	that	that	SCONJ
eistud-1088	263	12	reputational	reputational	ADJ
eistud-1088	263	13	sanctions	sanction	NOUN
eistud-1088	263	14	are	be	AUX
eistud-1088	263	15	very	very	ADV
eistud-1088	263	16	real	real	ADJ
eistud-1088	263	17	:	:	PUNCT
eistud-1088	263	18	their	their	PRON
eistud-1088	263	19	stock	stock	NOUN
eistud-1088	263	20	price	price	NOUN
eistud-1088	263	21	impact	impact	NOUN
eistud-1088	263	22	is	be	AUX
eistud-1088	263	23	on	on	ADP
eistud-1088	263	24	average	average	ADJ
eistud-1088	263	25	ten	ten	NUM
eistud-1088	263	26	times	time	NOUN
eistud-1088	263	27	larger	large	ADJ
eistud-1088	263	28	than	than	ADP
eistud-1088	263	29	the	the	DET
eistud-1088	263	30	financial	financial	ADJ
eistud-1088	263	31	penalties	penalty	NOUN
eistud-1088	263	32	imposed	impose	VERB
eistud-1088	263	33	by	by	ADP
eistud-1088	263	34	the	the	DET
eistud-1088	263	35	regulator	regulator	NOUN
eistud-1088	263	36	.	.	PUNCT
eistud-1088	264	1	the	the	DET
eistud-1088	264	2	study	study	NOUN
eistud-1088	264	3	[	[	X
eistud-1088	264	4	deloitte	deloitte	NOUN
eistud-1088	264	5	,	,	PUNCT
eistud-1088	264	6	2011	2011	NUM
eistud-1088	264	7	]	]	PUNCT
eistud-1088	264	8	confirms	confirm	VERB
eistud-1088	264	9	that	that	SCONJ
eistud-1088	264	10	latvia	latvia	PROPN
eistud-1088	264	11	is	be	AUX
eistud-1088	264	12	among	among	ADP
eistud-1088	264	13	those	those	DET
eistud-1088	264	14	four	four	NUM
eistud-1088	264	15	eu	eu	PROPN
eistud-1088	264	16	member	member	NOUN
eistud-1088	264	17	states	state	NOUN
eistud-1088	264	18	,	,	PUNCT
eistud-1088	264	19	which	which	PRON
eistud-1088	264	20	are	be	AUX
eistud-1088	264	21	not	not	PART
eistud-1088	264	22	publishing	publish	VERB
eistud-1088	264	23	penalties	penalty	NOUN
eistud-1088	264	24	.	.	PUNCT
eistud-1088	265	1	conclusions	conclusion	NOUN
eistud-1088	265	2	the	the	DET
eistud-1088	265	3	role	role	NOUN
eistud-1088	265	4	of	of	ADP
eistud-1088	265	5	the	the	DET
eistud-1088	265	6	compliance	compliance	NOUN
eistud-1088	265	7	in	in	ADP
eistud-1088	265	8	eu	eu	PROPN
eistud-1088	265	9	financial	financial	ADJ
eistud-1088	265	10	market	market	NOUN
eistud-1088	265	11	is	be	AUX
eistud-1088	265	12	growing	grow	VERB
eistud-1088	265	13	and	and	CCONJ
eistud-1088	265	14	according	accord	VERB
eistud-1088	265	15	research	research	NOUN
eistud-1088	265	16	will	will	AUX
eistud-1088	265	17	continue	continue	VERB
eistud-1088	265	18	to	to	PART
eistud-1088	265	19	grow	grow	VERB
eistud-1088	265	20	.	.	PUNCT
eistud-1088	266	1	this	this	PRON
eistud-1088	266	2	could	could	AUX
eistud-1088	266	3	be	be	AUX
eistud-1088	266	4	explained	explain	VERB
eistud-1088	266	5	by	by	ADP
eistud-1088	266	6	the	the	DET
eistud-1088	266	7	fact	fact	NOUN
eistud-1088	266	8	that	that	SCONJ
eistud-1088	266	9	main	main	ADJ
eistud-1088	266	10	supervisory	supervisory	ADJ
eistud-1088	266	11	objectives	objective	NOUN
eistud-1088	266	12	in	in	ADP
eistud-1088	266	13	eu	eu	PROPN
eistud-1088	266	14	countries	country	NOUN
eistud-1088	266	15	after	after	ADP
eistud-1088	266	16	financial	financial	ADJ
eistud-1088	266	17	crisis	crisis	NOUN
eistud-1088	266	18	are	be	AUX
eistud-1088	266	19	to	to	PART
eistud-1088	266	20	ensure	ensure	VERB
eistud-1088	266	21	compliance	compliance	NOUN
eistud-1088	266	22	with	with	ADP
eistud-1088	266	23	relevant	relevant	ADJ
eistud-1088	266	24	laws	law	NOUN
eistud-1088	266	25	and	and	CCONJ
eistud-1088	266	26	regulations	regulation	NOUN
eistud-1088	266	27	.	.	PUNCT
eistud-1088	267	1	the	the	DET
eistud-1088	267	2	new	new	ADJ
eistud-1088	267	3	regulatory	regulatory	ADJ
eistud-1088	267	4	environment	environment	NOUN
eistud-1088	267	5	will	will	AUX
eistud-1088	267	6	require	require	VERB
eistud-1088	267	7	original	original	ADJ
eistud-1088	267	8	ideas	idea	NOUN
eistud-1088	267	9	,	,	PUNCT
eistud-1088	267	10	new	new	ADJ
eistud-1088	267	11	methods	method	NOUN
eistud-1088	267	12	and	and	CCONJ
eistud-1088	267	13	approaches	approach	NOUN
eistud-1088	267	14	to	to	ADP
eistud-1088	267	15	the	the	DET
eistud-1088	267	16	knowledge	knowledge	NOUN
eistud-1088	267	17	concerning	concern	VERB
eistud-1088	267	18	the	the	DET
eistud-1088	267	19	compliance	compliance	NOUN
eistud-1088	267	20	management	management	NOUN
eistud-1088	267	21	.	.	PUNCT
eistud-1088	268	1	in	in	ADP
eistud-1088	268	2	general	general	ADJ
eistud-1088	268	3	by	by	ADP
eistud-1088	268	4	ensuring	ensure	VERB
eistud-1088	268	5	greater	great	ADJ
eistud-1088	268	6	bank	bank	NOUN
eistud-1088	268	7	learning	learning	NOUN
eistud-1088	268	8	,	,	PUNCT
eistud-1088	268	9	knowledge	knowledge	NOUN
eistud-1088	268	10	creation	creation	NOUN
eistud-1088	268	11	,	,	PUNCT
eistud-1088	268	12	and	and	CCONJ
eistud-1088	268	13	knowledge	knowledge	NOUN
eistud-1088	268	14	use	use	NOUN
eistud-1088	268	15	,	,	PUNCT
eistud-1088	268	16	government	government	NOUN
eistud-1088	268	17	and	and	CCONJ
eistud-1088	268	18	regulators	regulator	NOUN
eistud-1088	268	19	could	could	AUX
eistud-1088	268	20	help	help	VERB
eistud-1088	268	21	to	to	PART
eistud-1088	268	22	reduce	reduce	VERB
eistud-1088	268	23	individual	individual	ADJ
eistud-1088	268	24	bank	bank	NOUN
eistud-1088	268	25	risks	risk	NOUN
eistud-1088	268	26	and	and	CCONJ
eistud-1088	268	27	within	within	ADP
eistud-1088	268	28	the	the	DET
eistud-1088	268	29	limits	limit	NOUN
eistud-1088	268	30	of	of	ADP
eistud-1088	268	31	possibility	possibility	NOUN
eistud-1088	268	32	to	to	PART
eistud-1088	268	33	avoid	avoid	VERB
eistud-1088	268	34	future	future	ADJ
eistud-1088	268	35	crises	crisis	NOUN
eistud-1088	268	36	.	.	PUNCT
eistud-1088	269	1	at	at	ADP
eistud-1088	269	2	the	the	DET
eistud-1088	269	3	same	same	ADJ
eistud-1088	269	4	time	time	NOUN
eistud-1088	269	5	–	–	PUNCT
eistud-1088	269	6	given	give	VERB
eistud-1088	269	7	the	the	DET
eistud-1088	269	8	history	history	NOUN
eistud-1088	269	9	of	of	ADP
eistud-1088	269	10	bank	bank	PROPN
eistud-1088	269	11	learning	learning	NOUN
eistud-1088	269	12	,	,	PUNCT
eistud-1088	269	13	incentives	incentive	VERB
eistud-1088	269	14	to	to	PART
eistud-1088	269	15	issn	issn	VERB
eistud-1088	269	16	1822–8402	1822–8402	NUM
eistud-1088	269	17	european	european	ADJ
eistud-1088	269	18	integration	integration	NOUN
eistud-1088	269	19	studies	study	NOUN
eistud-1088	269	20	.	.	PUNCT
eistud-1088	270	1	2011	2011	NUM
eistud-1088	270	2	.	.	PUNCT
eistud-1088	271	1	no	no	DET
eistud-1088	271	2	5	5	NUM
eistud-1088	271	3	139	139	NUM
eistud-1088	271	4	learn	learn	NOUN
eistud-1088	271	5	and	and	CCONJ
eistud-1088	271	6	implement	implement	VERB
eistud-1088	271	7	knowledge	knowledge	NOUN
eistud-1088	271	8	effectively	effectively	ADV
eistud-1088	271	9	are	be	AUX
eistud-1088	271	10	only	only	ADV
eistud-1088	271	11	to	to	PART
eistud-1088	271	12	arise	arise	VERB
eistud-1088	271	13	at	at	ADP
eistud-1088	271	14	the	the	DET
eistud-1088	271	15	top	top	NOUN
eistud-1088	271	16	of	of	ADP
eistud-1088	271	17	banks	bank	NOUN
eistud-1088	271	18	with	with	ADP
eistud-1088	271	19	clear	clear	ADJ
eistud-1088	271	20	regulation	regulation	NOUN
eistud-1088	271	21	and	and	CCONJ
eistud-1088	271	22	tough	tough	ADJ
eistud-1088	271	23	sanctions	sanction	NOUN
eistud-1088	271	24	.	.	PUNCT
eistud-1088	272	1	latvia	latvia	PROPN
eistud-1088	272	2	’s	’s	PART
eistud-1088	272	3	banking	banking	NOUN
eistud-1088	272	4	sector	sector	NOUN
eistud-1088	272	5	and	and	CCONJ
eistud-1088	272	6	regulator	regulator	NOUN
eistud-1088	272	7	should	should	AUX
eistud-1088	272	8	have	have	VERB
eistud-1088	272	9	a	a	DET
eistud-1088	272	10	discussion	discussion	NOUN
eistud-1088	272	11	regarding	regard	VERB
eistud-1088	272	12	development	development	NOUN
eistud-1088	272	13	of	of	ADP
eistud-1088	272	14	education	education	NOUN
eistud-1088	272	15	,	,	PUNCT
eistud-1088	272	16	professional	professional	ADJ
eistud-1088	272	17	examination	examination	NOUN
eistud-1088	272	18	and	and	CCONJ
eistud-1088	272	19	certification	certification	NOUN
eistud-1088	272	20	for	for	ADP
eistud-1088	272	21	the	the	DET
eistud-1088	272	22	compliance	compliance	NOUN
eistud-1088	272	23	specialists	specialist	NOUN
eistud-1088	272	24	in	in	ADP
eistud-1088	272	25	latvia	latvia	PROPN
eistud-1088	272	26	.	.	PUNCT
eistud-1088	273	1	the	the	DET
eistud-1088	273	2	perceived	perceive	VERB
eistud-1088	273	3	threat	threat	NOUN
eistud-1088	273	4	of	of	ADP
eistud-1088	273	5	regulatory	regulatory	ADJ
eistud-1088	273	6	sanctions	sanction	NOUN
eistud-1088	273	7	is	be	AUX
eistud-1088	273	8	one	one	NUM
eistud-1088	273	9	of	of	ADP
eistud-1088	273	10	the	the	DET
eistud-1088	273	11	key	key	ADJ
eistud-1088	273	12	drivers	driver	NOUN
eistud-1088	273	13	for	for	ADP
eistud-1088	273	14	compliance	compliance	NOUN
eistud-1088	273	15	strategy	strategy	NOUN
eistud-1088	273	16	in	in	ADP
eistud-1088	273	17	banks	bank	NOUN
eistud-1088	273	18	.	.	PUNCT
eistud-1088	274	1	eu	eu	PROPN
eistud-1088	274	2	commission	commission	PROPN
eistud-1088	274	3	proposed	propose	VERB
eistud-1088	274	4	to	to	PART
eistud-1088	274	5	make	make	VERB
eistud-1088	274	6	sanctions	sanction	NOUN
eistud-1088	274	7	more	more	ADJ
eistud-1088	274	8	of	of	ADP
eistud-1088	274	9	a	a	DET
eistud-1088	274	10	deterrent	deterrent	NOUN
eistud-1088	274	11	and	and	CCONJ
eistud-1088	274	12	will	will	AUX
eistud-1088	274	13	make	make	VERB
eistud-1088	274	14	proposals	proposal	NOUN
eistud-1088	274	15	on	on	ADP
eistud-1088	274	16	how	how	SCONJ
eistud-1088	274	17	member	member	NOUN
eistud-1088	274	18	state	state	NOUN
eistud-1088	274	19	sanctions	sanction	NOUN
eistud-1088	274	20	should	should	AUX
eistud-1088	274	21	be	be	AUX
eistud-1088	274	22	strengthened	strengthen	VERB
eistud-1088	274	23	and	and	CCONJ
eistud-1088	274	24	adequately	adequately	ADV
eistud-1088	274	25	enforced	enforce	VERB
eistud-1088	274	26	.	.	PUNCT
eistud-1088	275	1	research	research	NOUN
eistud-1088	275	2	studies	study	NOUN
eistud-1088	275	3	and	and	CCONJ
eistud-1088	275	4	review	review	NOUN
eistud-1088	275	5	of	of	ADP
eistud-1088	275	6	latvian	latvian	ADJ
eistud-1088	275	7	laws	law	NOUN
eistud-1088	275	8	that	that	PRON
eistud-1088	275	9	regulate	regulate	VERB
eistud-1088	275	10	banking	banking	NOUN
eistud-1088	275	11	industry	industry	NOUN
eistud-1088	275	12	confirm	confirm	VERB
eistud-1088	275	13	very	very	ADV
eistud-1088	275	14	low	low	ADJ
eistud-1088	275	15	level	level	NOUN
eistud-1088	275	16	of	of	ADP
eistud-1088	275	17	sanctions	sanction	NOUN
eistud-1088	275	18	in	in	ADP
eistud-1088	275	19	latvia	latvia	PROPN
eistud-1088	275	20	.	.	PUNCT
eistud-1088	276	1	in	in	ADP
eistud-1088	276	2	addition	addition	NOUN
eistud-1088	276	3	to	to	ADP
eistud-1088	276	4	that	that	PRON
eistud-1088	276	5	latvia	latvia	PROPN
eistud-1088	276	6	is	be	AUX
eistud-1088	276	7	among	among	ADP
eistud-1088	276	8	those	those	DET
eistud-1088	276	9	four	four	NUM
eistud-1088	276	10	eu	eu	PROPN
eistud-1088	276	11	member	member	NOUN
eistud-1088	276	12	states	state	NOUN
eistud-1088	276	13	,	,	PUNCT
eistud-1088	276	14	which	which	PRON
eistud-1088	276	15	are	be	AUX
eistud-1088	276	16	not	not	PART
eistud-1088	276	17	publishing	publish	VERB
eistud-1088	276	18	penalties	penalty	NOUN
eistud-1088	276	19	.	.	PUNCT
eistud-1088	277	1	the	the	DET
eistud-1088	277	2	above	above	ADV
eistud-1088	277	3	-	-	PUNCT
eistud-1088	277	4	mentioned	mention	VERB
eistud-1088	277	5	findings	finding	NOUN
eistud-1088	277	6	should	should	AUX
eistud-1088	277	7	urge	urge	VERB
eistud-1088	277	8	latvia	latvia	PROPN
eistud-1088	277	9	’s	’s	PART
eistud-1088	277	10	banking	banking	NOUN
eistud-1088	277	11	sector	sector	NOUN
eistud-1088	277	12	to	to	PART
eistud-1088	277	13	pay	pay	VERB
eistud-1088	277	14	greater	great	ADJ
eistud-1088	277	15	attention	attention	NOUN
eistud-1088	277	16	to	to	ADP
eistud-1088	277	17	the	the	DET
eistud-1088	277	18	issues	issue	NOUN
eistud-1088	277	19	of	of	ADP
eistud-1088	277	20	compliance	compliance	NOUN
eistud-1088	277	21	management	management	NOUN
eistud-1088	277	22	.	.	PUNCT
eistud-1088	278	1	references	reference	NOUN
eistud-1088	278	2	armour	armour	NOUN
eistud-1088	278	3	,	,	PUNCT
eistud-1088	278	4	j.	j.	PROPN
eistud-1088	278	5	,	,	PUNCT
eistud-1088	278	6	mayer	mayer	PROPN
eistud-1088	278	7	,	,	PUNCT
eistud-1088	278	8	c.	c.	PROPN
eistud-1088	278	9	,	,	PUNCT
eistud-1088	278	10	polo	polo	NOUN
eistud-1088	278	11	,	,	PUNCT
eistud-1088	278	12	a.	a.	NOUN
eistud-1088	278	13	(	(	PUNCT
eistud-1088	278	14	2010	2010	NUM
eistud-1088	278	15	)	)	PUNCT
eistud-1088	278	16	regulatory	regulatory	ADJ
eistud-1088	278	17	sanctions	sanction	NOUN
eistud-1088	278	18	and	and	CCONJ
eistud-1088	278	19	reputational	reputational	ADJ
eistud-1088	278	20	damage	damage	NOUN
eistud-1088	278	21	in	in	ADP
eistud-1088	278	22	financial	financial	ADJ
eistud-1088	278	23	markets	market	NOUN
eistud-1088	278	24	.	.	PUNCT
eistud-1088	279	1	oxford	oxford	ADJ
eistud-1088	279	2	legal	legal	ADJ
eistud-1088	279	3	studies	study	NOUN
eistud-1088	279	4	research	research	NOUN
eistud-1088	279	5	paper	paper	PROPN
eistud-1088	279	6	no.62/2010	no.62/2010	PROPN
eistud-1088	279	7	.	.	PROPN
eistud-1088	280	1	on	on	ADP
eistud-1088	280	2	-	-	PUNCT
eistud-1088	280	3	line	line	NOUN
eistud-1088	280	4	http://	http://	PROPN
eistud-1088	280	5	ssrn.com/abstract	ssrn.com/abstract	NOUN
eistud-1088	281	1	=	=	X
eistud-1088	281	2	1678028	1678028	NUM
eistud-1088	281	3	–	–	PUNCT
eistud-1088	281	4	visited	visit	VERB
eistud-1088	281	5	24.02.2011	24.02.2011	NUM
eistud-1088	281	6	alcb	alcb	NOUN
eistud-1088	281	7	,	,	PUNCT
eistud-1088	281	8	association	association	NOUN
eistud-1088	281	9	of	of	ADP
eistud-1088	281	10	latvian	latvian	ADJ
eistud-1088	281	11	commercial	commercial	ADJ
eistud-1088	281	12	banks	bank	NOUN
eistud-1088	281	13	,	,	PUNCT
eistud-1088	281	14	2011	2011	NUM
eistud-1088	281	15	.	.	PUNCT
eistud-1088	282	1	on	on	ADP
eistud-1088	282	2	-	-	PUNCT
eistud-1088	282	3	line	line	NOUN
eistud-1088	282	4	http://eng.bankasoc.lv/association/statistics/	http://eng.bankasoc.lv/association/statistics/	PROPN
eistud-1088	282	5	figures	figure	VERB
eistud-1088	282	6	/	/	SYM
eistud-1088	282	7	index2.php	index2.php	PROPN
eistud-1088	282	8	asli	asli	PROPN
eistud-1088	282	9	,	,	PUNCT
eistud-1088	282	10	d.k	d.k	PROPN
eistud-1088	282	11	.	.	PROPN
eistud-1088	282	12	,	,	PUNCT
eistud-1088	282	13	vojislav	vojislav	PROPN
eistud-1088	282	14	,	,	PUNCT
eistud-1088	282	15	m.	m.	NOUN
eistud-1088	282	16	funding	funding	NOUN
eistud-1088	282	17	growth	growth	NOUN
eistud-1088	282	18	in	in	ADP
eistud-1088	282	19	bank	bank	NOUN
eistud-1088	282	20	-	-	PUNCT
eistud-1088	282	21	based	base	VERB
eistud-1088	282	22	and	and	CCONJ
eistud-1088	282	23	market	market	NOUN
eistud-1088	282	24	-	-	PUNCT
eistud-1088	282	25	based	base	VERB
eistud-1088	282	26	financial	financial	ADJ
eistud-1088	282	27	systems	system	NOUN
eistud-1088	282	28	:	:	PUNCT
eistud-1088	282	29	evidence	evidence	NOUN
eistud-1088	282	30	from	from	ADP
eistud-1088	282	31	firm	firm	ADJ
eistud-1088	282	32	-	-	PUNCT
eistud-1088	282	33	level	level	NOUN
eistud-1088	282	34	data	datum	NOUN
eistud-1088	282	35	.	.	PUNCT
eistud-1088	283	1	on	on	ADP
eistud-1088	283	2	-	-	PUNCT
eistud-1088	283	3	line	line	NOUN
eistud-1088	283	4	http://econ.worldbank.org	http://econ.worldbank.org	ADJ
eistud-1088	283	5	/	/	SYM
eistud-1088	283	6	external	external	ADJ
eistud-1088	283	7	/	/	SYM
eistud-1088	283	8	default	default	NOUN
eistud-1088	283	9	/	/	SYM
eistud-1088	283	10	main?pagepk=64165259&pipk=6416	main?pagepk=64165259&pipk=6416	NOUN
eistud-1088	283	11	5421&thesitepk=477872&menupk=64216926&entity	5421&thesitepk=477872&menupk=64216926&entity	NOUN
eistud-1088	283	12	id=000094946_00091305311184	id=000094946_00091305311184	ADV
eistud-1088	283	13	–	–	PUNCT
eistud-1088	283	14	visited	visit	VERB
eistud-1088	283	15	09.02.2011	09.02.2011	NUM
eistud-1088	283	16	biegelman	biegelman	NOUN
eistud-1088	283	17	,	,	PUNCT
eistud-1088	283	18	m.t	m.t	PROPN
eistud-1088	283	19	.	.	PROPN
eistud-1088	283	20	,	,	PUNCT
eistud-1088	283	21	biegelman	biegelman	PROPN
eistud-1088	283	22	,	,	PUNCT
eistud-1088	283	23	d.r	d.r	PROPN
eistud-1088	283	24	.	.	PROPN
eistud-1088	283	25	(	(	PUNCT
eistud-1088	283	26	2008	2008	NUM
eistud-1088	283	27	)	)	PUNCT
eistud-1088	283	28	building	build	VERB
eistud-1088	283	29	a	a	DET
eistud-1088	283	30	world	world	NOUN
eistud-1088	283	31	-	-	PUNCT
eistud-1088	283	32	class	class	NOUN
eistud-1088	283	33	compliance	compliance	NOUN
eistud-1088	283	34	program	program	NOUN
eistud-1088	283	35	.	.	PUNCT
eistud-1088	284	1	best	good	ADJ
eistud-1088	284	2	practices	practice	NOUN
eistud-1088	284	3	and	and	CCONJ
eistud-1088	284	4	strategies	strategy	NOUN
eistud-1088	284	5	for	for	ADP
eistud-1088	284	6	success	success	NOUN
eistud-1088	284	7	.	.	PUNCT
eistud-1088	285	1	john	john	PROPN
eistud-1088	285	2	wiley	wiley	PROPN
eistud-1088	285	3	&	&	CCONJ
eistud-1088	285	4	sons	sons	PROPN
eistud-1088	285	5	,	,	PUNCT
eistud-1088	285	6	inc	inc	PROPN
eistud-1088	285	7	.	.	PROPN
eistud-1088	285	8	298	298	NUM
eistud-1088	286	1	p.	p.	NOUN
eistud-1088	286	2	birindelli	birindelli	PROPN
eistud-1088	286	3	,	,	PUNCT
eistud-1088	286	4	g.	g.	PROPN
eistud-1088	286	5	(	(	PUNCT
eistud-1088	286	6	2008	2008	NUM
eistud-1088	286	7	)	)	PUNCT
eistud-1088	286	8	,	,	PUNCT
eistud-1088	286	9	compliance	compliance	NOUN
eistud-1088	286	10	risk	risk	NOUN
eistud-1088	286	11	in	in	ADP
eistud-1088	286	12	italian	italian	ADJ
eistud-1088	286	13	banks	bank	NOUN
eistud-1088	286	14	:	:	PUNCT
eistud-1088	286	15	the	the	DET
eistud-1088	286	16	results	result	NOUN
eistud-1088	286	17	of	of	ADP
eistud-1088	286	18	a	a	DET
eistud-1088	286	19	survey	survey	NOUN
eistud-1088	286	20	,	,	PUNCT
eistud-1088	286	21	journal	journal	NOUN
eistud-1088	286	22	of	of	ADP
eistud-1088	286	23	financial	financial	ADJ
eistud-1088	286	24	regulation	regulation	NOUN
eistud-1088	286	25	and	and	CCONJ
eistud-1088	286	26	compliance	compliance	NOUN
eistud-1088	286	27	,	,	PUNCT
eistud-1088	286	28	vol	vol	NOUN
eistud-1088	286	29	.	.	PROPN
eistud-1088	286	30	1	1	NUM
eistud-1088	286	31	,	,	PUNCT
eistud-1088	286	32	no	no	DET
eistud-1088	286	33	4	4	NUM
eistud-1088	286	34	,	,	PUNCT
eistud-1088	286	35	pp	pp	ADJ
eistud-1088	286	36	.	.	PUNCT
eistud-1088	287	1	335	335	NUM
eistud-1088	287	2	-	-	SYM
eistud-1088	287	3	351	351	NUM
eistud-1088	287	4	.	.	PUNCT
eistud-1088	288	1	callioni	callioni	NOUN
eistud-1088	288	2	,	,	PUNCT
eistud-1088	288	3	p.	p.	NOUN
eistud-1088	288	4	(	(	PUNCT
eistud-1088	288	5	2008	2008	NUM
eistud-1088	288	6	)	)	PUNCT
eistud-1088	288	7	compliance	compliance	NOUN
eistud-1088	288	8	regulation	regulation	NOUN
eistud-1088	288	9	in	in	ADP
eistud-1088	288	10	the	the	DET
eistud-1088	288	11	international	international	ADJ
eistud-1088	288	12	financial	financial	ADJ
eistud-1088	288	13	services	service	NOUN
eistud-1088	288	14	industry	industry	NOUN
eistud-1088	288	15	.	.	PUNCT
eistud-1088	289	1	global	global	ADJ
eistud-1088	289	2	professional	professional	ADJ
eistud-1088	289	3	publishing	publishing	NOUN
eistud-1088	289	4	.	.	PUNCT
eistud-1088	290	1	224	224	NUM
eistud-1088	290	2	p.	p.	NOUN
eistud-1088	290	3	carretta	carretta	PROPN
eistud-1088	290	4	,	,	PUNCT
eistud-1088	290	5	a.	a.	PROPN
eistud-1088	290	6	,	,	PUNCT
eistud-1088	290	7	farina	farina	PROPN
eistud-1088	290	8	,	,	PUNCT
eistud-1088	290	9	v.	v.	PROPN
eistud-1088	290	10	,	,	PUNCT
eistud-1088	290	11	schwizer	schwizer	NOUN
eistud-1088	290	12	,	,	PUNCT
eistud-1088	290	13	p.	p.	NOUN
eistud-1088	290	14	(	(	PUNCT
eistud-1088	290	15	2010	2010	NUM
eistud-1088	290	16	)	)	PUNCT
eistud-1088	290	17	the	the	DET
eistud-1088	290	18	“	"	PUNCT
eistud-1088	290	19	day	day	NOUN
eistud-1088	290	20	after	after	ADP
eistud-1088	290	21	”	"	PUNCT
eistud-1088	290	22	basel	basel	PROPN
eistud-1088	290	23	2	2	NUM
eistud-1088	290	24	:	:	PUNCT
eistud-1088	290	25	do	do	AUX
eistud-1088	290	26	regulators	regulator	NOUN
eistud-1088	290	27	comply	comply	VERB
eistud-1088	290	28	with	with	ADP
eistud-1088	290	29	banking	banking	NOUN
eistud-1088	290	30	culture	culture	NOUN
eistud-1088	290	31	?	?	PUNCT
eistud-1088	291	1	journal	journal	NOUN
eistud-1088	291	2	of	of	ADP
eistud-1088	291	3	financial	financial	ADJ
eistud-1088	291	4	regulation	regulation	NOUN
eistud-1088	291	5	and	and	CCONJ
eistud-1088	291	6	compliance	compliance	NOUN
eistud-1088	291	7	,	,	PUNCT
eistud-1088	291	8	vol.18	vol.18	NOUN
eistud-1088	291	9	,	,	PUNCT
eistud-1088	291	10	no	no	DET
eistud-1088	291	11	4	4	NUM
eistud-1088	291	12	,	,	PUNCT
eistud-1088	291	13	pp	pp	ADJ
eistud-1088	291	14	.	.	PUNCT
eistud-1088	292	1	316	316	NUM
eistud-1088	292	2	-	-	SYM
eistud-1088	292	3	332	332	NUM
eistud-1088	292	4	.	.	PUNCT
eistud-1088	293	1	coffee	coffee	NOUN
eistud-1088	293	2	,	,	PUNCT
eistud-1088	293	3	john	john	PROPN
eistud-1088	293	4	c.	c.	PROPN
eistud-1088	293	5	,	,	PUNCT
eistud-1088	293	6	jr	jr	PROPN
eistud-1088	293	7	.	.	PROPN
eistud-1088	293	8	(	(	PUNCT
eistud-1088	293	9	2007	2007	NUM
eistud-1088	293	10	)	)	PUNCT
eistud-1088	293	11	law	law	NOUN
eistud-1088	293	12	and	and	CCONJ
eistud-1088	293	13	the	the	DET
eistud-1088	293	14	market	market	NOUN
eistud-1088	293	15	:	:	PUNCT
eistud-1088	293	16	the	the	DET
eistud-1088	293	17	impact	impact	NOUN
eistud-1088	293	18	of	of	ADP
eistud-1088	293	19	enforcement	enforcement	NOUN
eistud-1088	293	20	,	,	PUNCT
eistud-1088	293	21	university	university	PROPN
eistud-1088	293	22	of	of	ADP
eistud-1088	293	23	pennsylvania	pennsylvania	PROPN
eistud-1088	293	24	law	law	PROPN
eistud-1088	293	25	review	review	PROPN
eistud-1088	293	26	,	,	PUNCT
eistud-1088	293	27	vol	vol	NOUN
eistud-1088	293	28	.	.	PROPN
eistud-1088	293	29	156	156	NUM
eistud-1088	293	30	,	,	PUNCT
eistud-1088	293	31	pp	pp	ADJ
eistud-1088	293	32	.	.	PUNCT
eistud-1088	294	1	229	229	NUM
eistud-1088	294	2	-	-	SYM
eistud-1088	294	3	311	311	NUM
eistud-1088	294	4	.	.	PUNCT
eistud-1088	295	1	clarkson	clarkson	PROPN
eistud-1088	295	2	,	,	PUNCT
eistud-1088	295	3	r.s	r.s	PROPN
eistud-1088	295	4	.	.	PROPN
eistud-1088	295	5	(	(	PUNCT
eistud-1088	295	6	2009	2009	NUM
eistud-1088	295	7	)	)	PUNCT
eistud-1088	295	8	actuarial	actuarial	ADJ
eistud-1088	295	9	insights	insight	NOUN
eistud-1088	295	10	into	into	ADP
eistud-1088	295	11	the	the	DET
eistud-1088	295	12	global	global	ADJ
eistud-1088	295	13	banking	banking	NOUN
eistud-1088	295	14	catastrophe	catastrophe	NOUN
eistud-1088	295	15	,	,	PUNCT
eistud-1088	295	16	journal	journal	NOUN
eistud-1088	295	17	of	of	ADP
eistud-1088	295	18	financial	financial	ADJ
eistud-1088	295	19	regulation	regulation	NOUN
eistud-1088	295	20	and	and	CCONJ
eistud-1088	295	21	compliance	compliance	NOUN
eistud-1088	295	22	,	,	PUNCT
eistud-1088	295	23	vol	vol	NOUN
eistud-1088	295	24	.	.	PROPN
eistud-1088	295	25	17	17	NUM
eistud-1088	295	26	,	,	PUNCT
eistud-1088	295	27	no	no	DET
eistud-1088	295	28	4	4	NUM
eistud-1088	295	29	,	,	PUNCT
eistud-1088	295	30	pp	pp	ADJ
eistud-1088	295	31	.	.	PUNCT
eistud-1088	296	1	381	381	NUM
eistud-1088	296	2	-	-	SYM
eistud-1088	296	3	397	397	NUM
eistud-1088	296	4	.	.	PUNCT
eistud-1088	297	1	compliance	compliance	NOUN
eistud-1088	297	2	:	:	PUNCT
eistud-1088	297	3	a	a	DET
eistud-1088	297	4	gap	gap	NOUN
eistud-1088	297	5	at	at	ADP
eistud-1088	297	6	the	the	DET
eistud-1088	297	7	heart	heart	NOUN
eistud-1088	297	8	of	of	ADP
eistud-1088	297	9	risk	risk	NOUN
eistud-1088	297	10	management	management	NOUN
eistud-1088	297	11	.	.	PUNCT
eistud-1088	298	1	online	online	PROPN
eistud-1088	298	2	http://www.pwc.com/en_gx/gx/financial-services/	http://www.pwc.com/en_gx/gx/financial-services/	PROPN
eistud-1088	298	3	pdf	pdf	PROPN
eistud-1088	298	4	/	/	SYM
eistud-1088	298	5	compliancegapheart.pdf	compliancegapheart.pdf	NOUN
eistud-1088	298	6	–	–	PUNCT
eistud-1088	298	7	visited	visit	VERB
eistud-1088	298	8	16.02.2011	16.02.2011	NUM
eistud-1088	298	9	.	.	PUNCT
eistud-1088	299	1	dinger	dinger	PROPN
eistud-1088	299	2	,	,	PUNCT
eistud-1088	299	3	v.	v.	PROPN
eistud-1088	299	4	,	,	PUNCT
eistud-1088	299	5	hagen	hagen	PROPN
eistud-1088	299	6	,	,	PUNCT
eistud-1088	299	7	j.	j.	PROPN
eistud-1088	299	8	(	(	PUNCT
eistud-1088	299	9	2009	2009	NUM
eistud-1088	299	10	)	)	PUNCT
eistud-1088	299	11	how	how	SCONJ
eistud-1088	299	12	small	small	ADJ
eistud-1088	299	13	are	be	AUX
eistud-1088	299	14	the	the	DET
eistud-1088	299	15	banking	banking	NOUN
eistud-1088	299	16	sectors	sector	NOUN
eistud-1088	299	17	in	in	ADP
eistud-1088	299	18	central	central	ADJ
eistud-1088	299	19	and	and	CCONJ
eistud-1088	299	20	eastern	eastern	ADJ
eistud-1088	299	21	european	european	ADJ
eistud-1088	299	22	countries	country	NOUN
eistud-1088	299	23	really	really	ADV
eistud-1088	299	24	?	?	PUNCT
eistud-1088	300	1	journal	journal	NOUN
eistud-1088	300	2	of	of	ADP
eistud-1088	300	3	financial	financial	ADJ
eistud-1088	300	4	regulation	regulation	NOUN
eistud-1088	300	5	and	and	CCONJ
eistud-1088	300	6	compliance	compliance	NOUN
eistud-1088	300	7	,	,	PUNCT
eistud-1088	300	8	vol.17	vol.17	ADJ
eistud-1088	300	9	,	,	PUNCT
eistud-1088	300	10	no	no	DET
eistud-1088	300	11	2	2	NUM
eistud-1088	300	12	,	,	PUNCT
eistud-1088	300	13	pp	pp	ADJ
eistud-1088	300	14	.	.	PUNCT
eistud-1088	301	1	96	96	NUM
eistud-1088	301	2	-	-	SYM
eistud-1088	301	3	118	118	NUM
eistud-1088	301	4	.	.	PUNCT
eistud-1088	301	5	driving	drive	VERB
eistud-1088	301	6	business	business	NOUN
eistud-1088	301	7	synergies	synergy	NOUN
eistud-1088	301	8	trough	trough	NOUN
eistud-1088	301	9	risk	risk	NOUN
eistud-1088	301	10	and	and	CCONJ
eistud-1088	301	11	compliance	compliance	NOUN
eistud-1088	301	12	initiatives	initiative	NOUN
eistud-1088	301	13	:	:	PUNCT
eistud-1088	301	14	a	a	DET
eistud-1088	301	15	survey	survey	NOUN
eistud-1088	301	16	of	of	ADP
eistud-1088	301	17	australian	australian	ADJ
eistud-1088	301	18	financial	financial	ADJ
eistud-1088	301	19	institutions	institution	NOUN
eistud-1088	301	20	.	.	PUNCT
eistud-1088	302	1	on	on	ADP
eistud-1088	302	2	-	-	PUNCT
eistud-1088	302	3	line	line	NOUN
eistud-1088	302	4	http://www.thehedgefundjournal	http://www.thehedgefundjournal	ADJ
eistud-1088	302	5	.	.	PUNCT
eistud-1088	302	6	com	com	NOUN
eistud-1088	302	7	/	/	SYM
eistud-1088	302	8	research/	research/	NUM
eistud-1088	302	9	chartis	chartis	NOUN
eistud-1088	302	10	/	/	SYM
eistud-1088	302	11	rr0804.pdf	rr0804.pdf	NOUN
eistud-1088	302	12	–	–	PUNCT
eistud-1088	302	13	visited	visit	VERB
eistud-1088	302	14	09.02.2011	09.02.2011	NOUN
eistud-1088	302	15	.	.	PUNCT
eistud-1088	303	1	eu	eu	PROPN
eistud-1088	303	2	(	(	PUNCT
eistud-1088	303	3	2009	2009	NUM
eistud-1088	303	4	)	)	PUNCT
eistud-1088	303	5	,	,	PUNCT
eistud-1088	303	6	driving	drive	VERB
eistud-1088	303	7	european	european	ADJ
eistud-1088	303	8	recovery	recovery	NOUN
eistud-1088	303	9	,	,	PUNCT
eistud-1088	303	10	communication	communication	NOUN
eistud-1088	303	11	for	for	ADP
eistud-1088	303	12	the	the	DET
eistud-1088	303	13	spring	spring	NOUN
eistud-1088	303	14	european	european	PROPN
eistud-1088	303	15	council	council	PROPN
eistud-1088	303	16	.	.	PUNCT
eistud-1088	304	1	on	on	ADP
eistud-1088	304	2	-	-	PUNCT
eistud-1088	304	3	line	line	NOUN
eistud-1088	304	4	http://www	http://www	PROPN
eistud-1088	304	5	.	.	PUNCT
eistud-1088	304	6	cedefop	cedefop	PROPN
eistud-1088	304	7	.	.	PUNCT
eistud-1088	305	1	europa.eu/en/news/4399.aspx	europa.eu/en/news/4399.aspx	NOUN
eistud-1088	305	2	–	–	PUNCT
eistud-1088	305	3	visited	visit	VERB
eistud-1088	305	4	09.02.2011	09.02.2011	NOUN
eistud-1088	305	5	.	.	PUNCT
eistud-1088	306	1	eu	eu	PROPN
eistud-1088	306	2	(	(	PUNCT
eistud-1088	306	3	2010	2010	NUM
eistud-1088	306	4	)	)	PUNCT
eistud-1088	306	5	,	,	PUNCT
eistud-1088	306	6	impact	impact	NOUN
eistud-1088	306	7	assessment	assessment	NOUN
eistud-1088	306	8	,	,	PUNCT
eistud-1088	306	9	reinforcing	reinforce	VERB
eistud-1088	306	10	sanctioning	sanction	VERB
eistud-1088	306	11	regimes	regime	NOUN
eistud-1088	306	12	in	in	ADP
eistud-1088	306	13	the	the	DET
eistud-1088	306	14	financial	financial	ADJ
eistud-1088	306	15	services	service	NOUN
eistud-1088	306	16	sector	sector	NOUN
eistud-1088	306	17	,	,	PUNCT
eistud-1088	306	18	sec	sec	PROPN
eistud-1088	306	19	1496	1496	NUM
eistud-1088	306	20	final	final	ADJ
eistud-1088	306	21	eu	eu	PROPN
eistud-1088	306	22	(	(	PUNCT
eistud-1088	306	23	2010	2010	NUM
eistud-1088	306	24	)	)	PUNCT
eistud-1088	306	25	,	,	PUNCT
eistud-1088	306	26	regulating	regulate	VERB
eistud-1088	306	27	financial	financial	ADJ
eistud-1088	306	28	services	service	NOUN
eistud-1088	306	29	for	for	ADP
eistud-1088	306	30	sustainable	sustainable	ADJ
eistud-1088	306	31	growth	growth	NOUN
eistud-1088	306	32	,	,	PUNCT
eistud-1088	306	33	com	com	NOUN
eistud-1088	306	34	301	301	NUM
eistud-1088	306	35	final	final	ADJ
eistud-1088	306	36	economic	economic	ADJ
eistud-1088	306	37	development	development	NOUN
eistud-1088	306	38	of	of	ADP
eistud-1088	306	39	latvia	latvia	PROPN
eistud-1088	306	40	.	.	PUNCT
eistud-1088	307	1	report	report	NOUN
eistud-1088	307	2	.	.	PUNCT
eistud-1088	308	1	on	on	ADP
eistud-1088	308	2	-	-	PUNCT
eistud-1088	308	3	line	line	NOUN
eistud-1088	308	4	http://www.em.gov.lv/images/modules/items/tsdep/	http://www.em.gov.lv/images/modules/items/tsdep/	PROPN
eistud-1088	308	5	zin_2010_1/2010_jun_eng.pdf	zin_2010_1/2010_jun_eng.pdf	PROPN
eistud-1088	308	6	–	–	PUNCT
eistud-1088	308	7	visited	visit	VERB
eistud-1088	308	8	09.02.2011	09.02.2011	PROPN
eistud-1088	308	9	.	.	PUNCT
eistud-1088	309	1	edwards	edwards	PROPN
eistud-1088	309	2	,	,	PUNCT
eistud-1088	309	3	j.	j.	PROPN
eistud-1088	309	4	(	(	PUNCT
eistud-1088	309	5	2006	2006	NUM
eistud-1088	309	6	)	)	PUNCT
eistud-1088	309	7	a	a	DET
eistud-1088	309	8	compliance	compliance	NOUN
eistud-1088	309	9	competence	competence	NOUN
eistud-1088	309	10	partnership	partnership	NOUN
eistud-1088	309	11	approach	approach	NOUN
eistud-1088	309	12	model	model	NOUN
eistud-1088	309	13	,	,	PUNCT
eistud-1088	309	14	journal	journal	NOUN
eistud-1088	309	15	of	of	ADP
eistud-1088	309	16	financial	financial	ADJ
eistud-1088	309	17	regulation	regulation	NOUN
eistud-1088	309	18	and	and	CCONJ
eistud-1088	309	19	compliance	compliance	NOUN
eistud-1088	309	20	,	,	PUNCT
eistud-1088	309	21	vol	vol	NOUN
eistud-1088	309	22	.	.	PROPN
eistud-1088	309	23	14	14	NUM
eistud-1088	309	24	,	,	PUNCT
eistud-1088	309	25	no	no	DET
eistud-1088	309	26	2	2	NUM
eistud-1088	309	27	,	,	PUNCT
eistud-1088	309	28	pp	pp	ADJ
eistud-1088	309	29	.	.	PUNCT
eistud-1088	310	1	140	140	NUM
eistud-1088	310	2	-	-	SYM
eistud-1088	310	3	150	150	NUM
eistud-1088	310	4	.	.	PUNCT
eistud-1088	311	1	final	final	ADJ
eistud-1088	311	2	study	study	NOUN
eistud-1088	311	3	on	on	ADP
eistud-1088	311	4	the	the	DET
eistud-1088	311	5	application	application	NOUN
eistud-1088	311	6	of	of	ADP
eistud-1088	311	7	the	the	DET
eistud-1088	311	8	anti	anti	ADJ
eistud-1088	311	9	-	-	ADJ
eistud-1088	311	10	money	money	ADJ
eistud-1088	311	11	laundering	laundering	NOUN
eistud-1088	311	12	directive	directive	NOUN
eistud-1088	311	13	by	by	ADP
eistud-1088	311	14	deloittee	deloittee	PROPN
eistud-1088	311	15	.	.	PUNCT
eistud-1088	312	1	on	on	ADP
eistud-1088	312	2	-	-	PUNCT
eistud-1088	312	3	line	line	NOUN
eistud-1088	312	4	http://www	http://www	PROPN
eistud-1088	312	5	.	.	PUNCT
eistud-1088	313	1	ukipg.org.uk/meetings/professional_regulation_working	ukipg.org.uk/meetings/professional_regulation_worke	VERB
eistud-1088	313	2	_	_	PRON
eistud-1088	314	1	party/2011_01_24_study_on_the_application_of_the	party/2011_01_24_study_on_the_application_of_the	NOUN
eistud-1088	314	2	_	_	X
eistud-1088	314	3	amld-2.pdf	amld-2.pdf	PROPN
eistud-1088	314	4	–	–	PUNCT
eistud-1088	314	5	visited	visit	VERB
eistud-1088	314	6	09.02.2011	09.02.2011	PROPN
eistud-1088	314	7	.	.	PUNCT
eistud-1088	315	1	fktk	fktk	PROPN
eistud-1088	315	2	internal	internal	ADJ
eistud-1088	315	3	control	control	NOUN
eistud-1088	315	4	system	system	NOUN
eistud-1088	315	5	rules	rule	NOUN
eistud-1088	315	6	.	.	PUNCT
eistud-1088	316	1	(	(	PUNCT
eistud-1088	316	2	in	in	ADP
eistud-1088	316	3	latvian	latvian	ADJ
eistud-1088	316	4	)	)	PUNCT
eistud-1088	316	5	online	online	ADJ
eistud-1088	316	6	http://www.fktk.lv/texts_files/trch_not_ieks	http://www.fktk.lv/texts_files/trch_not_iek	NOUN
eistud-1088	316	7	_	_	PRON
eistud-1088	316	8	sist_2009111.pdf	sist_2009111.pdf	NOUN
eistud-1088	316	9	–	–	PUNCT
eistud-1088	316	10	visited	visit	VERB
eistud-1088	316	11	16.02.2011	16.02.2011	NUM
eistud-1088	316	12	.	.	PUNCT
eistud-1088	317	1	fktk	fktk	NOUN
eistud-1088	317	2	combating	combat	VERB
eistud-1088	317	3	money	money	NOUN
eistud-1088	317	4	laundering	laundering	NOUN
eistud-1088	317	5	in	in	ADP
eistud-1088	317	6	latvia	latvia	PROPN
eistud-1088	317	7	,	,	PUNCT
eistud-1088	317	8	2009	2009	NUM
eistud-1088	317	9	.	.	PUNCT
eistud-1088	318	1	on	on	ADP
eistud-1088	318	2	-	-	PUNCT
eistud-1088	318	3	line	line	NOUN
eistud-1088	318	4	http://www.fktk.lv/en/publications/other	http://www.fktk.lv/en/publications/other	NOUN
eistud-1088	318	5	_	_	NOUN
eistud-1088	318	6	publications/2010	publications/2010	NOUN
eistud-1088	318	7	-	-	PUNCT
eistud-1088	318	8	09	09	NUM
eistud-1088	318	9	-	-	PUNCT
eistud-1088	318	10	06_combating_money	06_combating_money	NUM
eistud-1088	318	11	garcia	garcia	PROPN
eistud-1088	318	12	,	,	PUNCT
eistud-1088	318	13	g.h	g.h	PROPN
eistud-1088	318	14	.	.	PROPN
eistud-1088	318	15	(	(	PUNCT
eistud-1088	318	16	2009	2009	NUM
eistud-1088	318	17	)	)	PUNCT
eistud-1088	318	18	ignoring	ignore	VERB
eistud-1088	318	19	the	the	DET
eistud-1088	318	20	lessons	lesson	NOUN
eistud-1088	318	21	for	for	ADP
eistud-1088	318	22	effective	effective	ADJ
eistud-1088	318	23	prudential	prudential	ADJ
eistud-1088	318	24	supervision	supervision	NOUN
eistud-1088	318	25	,	,	PUNCT
eistud-1088	318	26	failed	fail	VERB
eistud-1088	318	27	bank	bank	NOUN
eistud-1088	318	28	resolution	resolution	NOUN
eistud-1088	318	29	and	and	CCONJ
eistud-1088	318	30	depositor	depositor	NOUN
eistud-1088	318	31	protection	protection	NOUN
eistud-1088	318	32	,	,	PUNCT
eistud-1088	318	33	journal	journal	NOUN
eistud-1088	318	34	of	of	ADP
eistud-1088	318	35	financial	financial	ADJ
eistud-1088	318	36	regulation	regulation	NOUN
eistud-1088	318	37	and	and	CCONJ
eistud-1088	318	38	compliance	compliance	NOUN
eistud-1088	318	39	,	,	PUNCT
eistud-1088	318	40	vol	vol	NOUN
eistud-1088	318	41	.	.	PROPN
eistud-1088	318	42	17	17	NUM
eistud-1088	318	43	,	,	PUNCT
eistud-1088	318	44	no	no	DET
eistud-1088	318	45	3	3	NUM
eistud-1088	318	46	,	,	PUNCT
eistud-1088	318	47	pp	pp	ADJ
eistud-1088	318	48	.	.	PUNCT
eistud-1088	319	1	186	186	NUM
eistud-1088	319	2	-	-	SYM
eistud-1088	319	3	209	209	NUM
eistud-1088	319	4	.	.	PUNCT
eistud-1088	320	1	garcia	garcia	PROPN
eistud-1088	320	2	,	,	PUNCT
eistud-1088	320	3	g.h	g.h	PROPN
eistud-1088	320	4	.	.	PROPN
eistud-1088	320	5	,	,	PUNCT
eistud-1088	320	6	lastra	lastra	PROPN
eistud-1088	320	7	,	,	PUNCT
eistud-1088	320	8	r.m	r.m	PROPN
eistud-1088	320	9	.	.	PROPN
eistud-1088	320	10	,	,	PUNCT
eistud-1088	320	11	nieto	nieto	PROPN
eistud-1088	320	12	,	,	PUNCT
eistud-1088	320	13	m.j	m.j	PROPN
eistud-1088	320	14	.	.	PROPN
eistud-1088	320	15	(	(	PUNCT
eistud-1088	320	16	2009	2009	NUM
eistud-1088	320	17	)	)	PUNCT
eistud-1088	320	18	bankruptcy	bankruptcy	NOUN
eistud-1088	320	19	and	and	CCONJ
eistud-1088	320	20	reorganization	reorganization	NOUN
eistud-1088	320	21	procedures	procedure	NOUN
eistud-1088	320	22	for	for	ADP
eistud-1088	320	23	cross	cross	ADJ
eistud-1088	320	24	-	-	ADJ
eistud-1088	320	25	border	border	ADJ
eistud-1088	320	26	banks	bank	NOUN
eistud-1088	320	27	in	in	ADP
eistud-1088	320	28	the	the	DET
eistud-1088	320	29	eu	eu	PROPN
eistud-1088	320	30	.	.	PROPN
eistud-1088	320	31	towards	towards	ADP
eistud-1088	320	32	an	an	DET
eistud-1088	320	33	integrated	integrated	ADJ
eistud-1088	320	34	approach	approach	NOUN
eistud-1088	320	35	to	to	ADP
eistud-1088	320	36	the	the	DET
eistud-1088	320	37	reform	reform	NOUN
eistud-1088	320	38	of	of	ADP
eistud-1088	320	39	the	the	DET
eistud-1088	320	40	eu	eu	PROPN
eistud-1088	320	41	safety	safety	PROPN
eistud-1088	320	42	net	net	NOUN
eistud-1088	320	43	,	,	PUNCT
eistud-1088	320	44	journal	journal	NOUN
eistud-1088	320	45	of	of	ADP
eistud-1088	320	46	financial	financial	ADJ
eistud-1088	320	47	regulation	regulation	NOUN
eistud-1088	320	48	and	and	CCONJ
eistud-1088	320	49	compliance	compliance	NOUN
eistud-1088	320	50	,	,	PUNCT
eistud-1088	320	51	vol.17	vol.17	ADJ
eistud-1088	320	52	,	,	PUNCT
eistud-1088	320	53	no	no	DET
eistud-1088	320	54	3	3	NUM
eistud-1088	320	55	,	,	PUNCT
eistud-1088	320	56	pp	pp	ADJ
eistud-1088	320	57	.	.	PUNCT
eistud-1088	321	1	240	240	NUM
eistud-1088	321	2	-	-	SYM
eistud-1088	321	3	276	276	NUM
eistud-1088	321	4	.	.	PUNCT
eistud-1088	322	1	chambers	chamber	NOUN
eistud-1088	322	2	,	,	PUNCT
eistud-1088	322	3	c.	c.	PROPN
eistud-1088	322	4	(	(	PUNCT
eistud-1088	322	5	2010	2010	NUM
eistud-1088	322	6	)	)	PUNCT
eistud-1088	322	7	the	the	DET
eistud-1088	322	8	reforms	reform	NOUN
eistud-1088	322	9	:	:	PUNCT
eistud-1088	322	10	apolitical	apolitical	ADJ
eistud-1088	322	11	safe	safe	ADJ
eistud-1088	322	12	haven	haven	NOUN
eistud-1088	322	13	or	or	CCONJ
eistud-1088	322	14	political	political	ADJ
eistud-1088	322	15	suicide	suicide	NOUN
eistud-1088	322	16	.	.	PUNCT
eistud-1088	323	1	is	be	AUX
eistud-1088	323	2	the	the	DET
eistud-1088	323	3	labour	labour	ADJ
eistud-1088	323	4	bubble	bubble	NOUN
eistud-1088	323	5	bursting	burst	VERB
eistud-1088	323	6	?	?	PUNCT
eistud-1088	324	1	emerald	emerald	NOUN
eistud-1088	324	2	group	group	PROPN
eistud-1088	324	3	publishing	publishing	PROPN
eistud-1088	324	4	limited	limit	VERB
eistud-1088	324	5	,	,	PUNCT
eistud-1088	324	6	pre	pre	ADJ
eistud-1088	324	7	-	-	ADJ
eistud-1088	324	8	print	print	ADJ
eistud-1088	324	9	haynes	hayne	NOUN
eistud-1088	324	10	,	,	PUNCT
eistud-1088	324	11	a.	a.	NOUN
eistud-1088	324	12	(	(	PUNCT
eistud-1088	324	13	2005	2005	NUM
eistud-1088	324	14	)	)	PUNCT
eistud-1088	324	15	the	the	DET
eistud-1088	324	16	effective	effective	ADJ
eistud-1088	324	17	articulation	articulation	NOUN
eistud-1088	324	18	of	of	ADP
eistud-1088	324	19	risk	risk	NOUN
eistud-1088	324	20	-	-	PUNCT
eistud-1088	324	21	based	base	VERB
eistud-1088	324	22	compliance	compliance	NOUN
eistud-1088	324	23	in	in	ADP
eistud-1088	324	24	banks	bank	NOUN
eistud-1088	324	25	,	,	PUNCT
eistud-1088	324	26	journal	journal	NOUN
eistud-1088	324	27	of	of	ADP
eistud-1088	324	28	banking	banking	NOUN
eistud-1088	324	29	regulation	regulation	NOUN
eistud-1088	324	30	,	,	PUNCT
eistud-1088	324	31	vol	vol	NOUN
eistud-1088	324	32	.	.	PROPN
eistud-1088	324	33	6	6	NUM
eistud-1088	324	34	,	,	PUNCT
eistud-1088	324	35	no	no	DET
eistud-1088	324	36	2	2	NUM
eistud-1088	324	37	,	,	PUNCT
eistud-1088	324	38	pp	pp	ADJ
eistud-1088	324	39	.	.	PUNCT
eistud-1088	325	1	146	146	NUM
eistud-1088	325	2	-	-	SYM
eistud-1088	325	3	162	162	NUM
eistud-1088	325	4	.	.	PUNCT
eistud-1088	326	1	hedley	hedley	PROPN
eistud-1088	326	2	,	,	PUNCT
eistud-1088	326	3	k.	k.	PROPN
eistud-1088	326	4	,	,	PUNCT
eistud-1088	326	5	white	white	PROPN
eistud-1088	326	6	,	,	PUNCT
eistud-1088	326	7	j.	j.	PROPN
eistud-1088	326	8	,	,	PUNCT
eistud-1088	326	9	roche	roche	PROPN
eistud-1088	326	10	,	,	PUNCT
eistud-1088	326	11	c.	c.	PROPN
eistud-1088	326	12	,	,	PUNCT
eistud-1088	326	13	banerjea	banerjea	PROPN
eistud-1088	326	14	,	,	PUNCT
eistud-1088	326	15	s.	s.	PROPN
eistud-1088	326	16	(	(	PUNCT
eistud-1088	326	17	2006	2006	NUM
eistud-1088	326	18	)	)	PUNCT
eistud-1088	326	19	banking	banking	NOUN
eistud-1088	326	20	2015	2015	NUM
eistud-1088	326	21	:	:	PUNCT
eistud-1088	326	22	a	a	DET
eistud-1088	326	23	classic	classic	ADJ
eistud-1088	326	24	strategy	strategy	NOUN
eistud-1088	326	25	battle	battle	NOUN
eistud-1088	326	26	of	of	ADP
eistud-1088	326	27	scale	scale	NOUN
eistud-1088	326	28	vs.	vs.	ADP
eistud-1088	326	29	focus	focus	NOUN
eistud-1088	326	30	,	,	PUNCT
eistud-1088	326	31	strategy	strategy	NOUN
eistud-1088	326	32	&	&	CCONJ
eistud-1088	326	33	leadership	leadership	NOUN
eistud-1088	326	34	,	,	PUNCT
eistud-1088	326	35	vol	vol	NOUN
eistud-1088	326	36	.	.	PUNCT
eistud-1088	326	37	34	34	NUM
eistud-1088	327	1	no	no	DET
eistud-1088	327	2	3	3	NUM
eistud-1088	327	3	,	,	PUNCT
eistud-1088	327	4	pp	pp	ADJ
eistud-1088	327	5	.	.	PUNCT
eistud-1088	328	1	51	51	NUM
eistud-1088	328	2	-	-	SYM
eistud-1088	328	3	58	58	NUM
eistud-1088	328	4	,	,	PUNCT
eistud-1088	328	5	hindle	hindle	NOUN
eistud-1088	328	6	,	,	PUNCT
eistud-1088	328	7	j.	j.	PROPN
eistud-1088	328	8	(	(	PUNCT
eistud-1088	328	9	2009	2009	NUM
eistud-1088	328	10	)	)	PUNCT
eistud-1088	328	11	the	the	DET
eistud-1088	328	12	future	future	NOUN
eistud-1088	328	13	of	of	ADP
eistud-1088	328	14	regulation	regulation	NOUN
eistud-1088	328	15	,	,	PUNCT
eistud-1088	328	16	journal	journal	NOUN
eistud-1088	328	17	of	of	ADP
eistud-1088	328	18	financial	financial	ADJ
eistud-1088	328	19	regulation	regulation	NOUN
eistud-1088	328	20	and	and	CCONJ
eistud-1088	328	21	compliance	compliance	NOUN
eistud-1088	328	22	,	,	PUNCT
eistud-1088	328	23	vol	vol	NOUN
eistud-1088	328	24	.	.	PROPN
eistud-1088	328	25	17	17	NUM
eistud-1088	328	26	,	,	PUNCT
eistud-1088	328	27	no	no	DET
eistud-1088	328	28	4	4	NUM
eistud-1088	328	29	,	,	PUNCT
eistud-1088	328	30	pp	pp	ADJ
eistud-1088	328	31	.	.	PUNCT
eistud-1088	329	1	415	415	NUM
eistud-1088	329	2	-	-	SYM
eistud-1088	329	3	426	426	NUM
eistud-1088	329	4	.	.	PUNCT
eistud-1088	330	1	holland	holland	PROPN
eistud-1088	330	2	,	,	PUNCT
eistud-1088	330	3	j.	j.	PROPN
eistud-1088	330	4	(	(	PUNCT
eistud-1088	330	5	2010	2010	NUM
eistud-1088	330	6	)	)	PUNCT
eistud-1088	330	7	banks	bank	NOUN
eistud-1088	330	8	,	,	PUNCT
eistud-1088	330	9	knowledge	knowledge	NOUN
eistud-1088	330	10	and	and	CCONJ
eistud-1088	330	11	crisis	crisis	NOUN
eistud-1088	330	12	:	:	PUNCT
eistud-1088	330	13	a	a	DET
eistud-1088	330	14	case	case	NOUN
eistud-1088	330	15	of	of	ADP
eistud-1088	330	16	knowledge	knowledge	NOUN
eistud-1088	330	17	and	and	CCONJ
eistud-1088	330	18	learning	learn	VERB
eistud-1088	330	19	failure	failure	NOUN
eistud-1088	330	20	,	,	PUNCT
eistud-1088	330	21	journal	journal	NOUN
eistud-1088	330	22	of	of	ADP
eistud-1088	330	23	financial	financial	ADJ
eistud-1088	330	24	regulation	regulation	NOUN
eistud-1088	330	25	and	and	CCONJ
eistud-1088	330	26	compliance	compliance	NOUN
eistud-1088	330	27	,	,	PUNCT
eistud-1088	330	28	vol	vol	NOUN
eistud-1088	330	29	.	.	PROPN
eistud-1088	330	30	18	18	NUM
eistud-1088	330	31	,	,	PUNCT
eistud-1088	330	32	no	no	DET
eistud-1088	330	33	2	2	NUM
eistud-1088	330	34	,	,	PUNCT
eistud-1088	330	35	pp	pp	ADJ
eistud-1088	330	36	.	.	PUNCT
eistud-1088	331	1	87	87	NUM
eistud-1088	331	2	-	-	SYM
eistud-1088	331	3	105	105	NUM
eistud-1088	331	4	.	.	PUNCT
eistud-1088	332	1	implementation	implementation	NOUN
eistud-1088	332	2	of	of	ADP
eistud-1088	332	3	the	the	DET
eistud-1088	332	4	compliance	compliance	NOUN
eistud-1088	332	5	principles	principle	NOUN
eistud-1088	332	6	:	:	PUNCT
eistud-1088	332	7	a	a	DET
eistud-1088	332	8	survey	survey	NOUN
eistud-1088	332	9	.	.	PUNCT
eistud-1088	333	1	on	on	ADP
eistud-1088	333	2	-	-	PUNCT
eistud-1088	333	3	line	line	NOUN
eistud-1088	333	4	http://www.bis.org/publ/bcbs142.pdf	http://www.bis.org/publ/bcbs142.pdf	NOUN
eistud-1088	333	5	–	–	PUNCT
eistud-1088	333	6	visited	visit	VERB
eistud-1088	333	7	15.02.2011	15.02.2011	NUM
eistud-1088	333	8	.	.	PUNCT
eistud-1088	334	1	issn	issn	PROPN
eistud-1088	334	2	1822–8402	1822–8402	NUM
eistud-1088	334	3	european	european	ADJ
eistud-1088	334	4	integration	integration	NOUN
eistud-1088	334	5	studies	study	NOUN
eistud-1088	334	6	.	.	PUNCT
eistud-1088	335	1	2011	2011	NUM
eistud-1088	335	2	.	.	PUNCT
eistud-1088	336	1	no	no	DET
eistud-1088	336	2	5	5	NUM
eistud-1088	336	3	140	140	NUM
eistud-1088	336	4	ing	ing	ADJ
eistud-1088	336	5	,	,	PUNCT
eistud-1088	336	6	compliance	compliance	NOUN
eistud-1088	336	7	charter	charter	NOUN
eistud-1088	336	8	and	and	CCONJ
eistud-1088	336	9	framework	framework	NOUN
eistud-1088	336	10	,	,	PUNCT
eistud-1088	336	11	2009	2009	NUM
eistud-1088	336	12	.	.	PUNCT
eistud-1088	337	1	on	on	ADP
eistud-1088	337	2	-	-	PUNCT
eistud-1088	337	3	line	line	NOUN
eistud-1088	337	4	http://www.ing.com/group/showdoc.jsp?docidž	http://www.ing.com/group/showdoc.jsp?docidž	NOUN
eistud-1088	337	5	139868	139868	NUM
eistud-1088	337	6	_	_	PUNCT
eistud-1088	337	7	en	en	X
eistud-1088	337	8	–	–	PUNCT
eistud-1088	337	9	visited	visit	VERB
eistud-1088	337	10	28.02.2011	28.02.2011	NUM
eistud-1088	337	11	.	.	PUNCT
eistud-1088	338	1	international	international	ADJ
eistud-1088	338	2	narcotics	narcotic	NOUN
eistud-1088	338	3	control	control	PROPN
eistud-1088	338	4	strategy	strategy	PROPN
eistud-1088	338	5	report	report	NOUN
eistud-1088	338	6	2010	2010	NUM
eistud-1088	338	7	.	.	PUNCT
eistud-1088	339	1	online	online	ADJ
eistud-1088	339	2	http://www.state.gov/p/inl/rls/nrcrpt/2010/	http://www.state.gov/p/inl/rls/nrcrpt/2010/	PROPN
eistud-1088	339	3	index	index	NOUN
eistud-1088	339	4	.	.	PUNCT
eistud-1088	340	1	htm	htm	PROPN
eistud-1088	340	2	–	–	PUNCT
eistud-1088	340	3	visited	visit	VERB
eistud-1088	340	4	16.02.2011	16.02.2011	NUM
eistud-1088	340	5	.	.	PUNCT
eistud-1088	341	1	kudinska	kudinska	PROPN
eistud-1088	341	2	,	,	PUNCT
eistud-1088	341	3	m.	m.	NOUN
eistud-1088	341	4	(	(	PUNCT
eistud-1088	341	5	2004	2004	NUM
eistud-1088	341	6	)	)	PUNCT
eistud-1088	341	7	the	the	DET
eistud-1088	341	8	value	value	NOUN
eistud-1088	341	9	of	of	ADP
eistud-1088	341	10	commercial	commercial	ADJ
eistud-1088	341	11	bank	bank	NOUN
eistud-1088	341	12	risks	risk	NOUN
eistud-1088	341	13	and	and	CCONJ
eistud-1088	341	14	its	its	PRON
eistud-1088	341	15	compliance	compliance	NOUN
eistud-1088	341	16	with	with	ADP
eistud-1088	341	17	the	the	DET
eistud-1088	341	18	banks	bank	NOUN
eistud-1088	341	19	’	'	PUNCT
eistud-1088	341	20	own	own	ADJ
eistud-1088	341	21	funds	fund	NOUN
eistud-1088	341	22	:	:	PUNCT
eistud-1088	341	23	a	a	DET
eistud-1088	341	24	dissertation	dissertation	NOUN
eistud-1088	341	25	.	.	PUNCT
eistud-1088	342	1	riga	riga	ADJ
eistud-1088	342	2	:	:	PUNCT
eistud-1088	342	3	the	the	DET
eistud-1088	342	4	university	university	PROPN
eistud-1088	342	5	of	of	ADP
eistud-1088	342	6	latvia	latvia	PROPN
eistud-1088	342	7	.	.	PUNCT
eistud-1088	343	1	293	293	NUM
eistud-1088	343	2	p.	p.	NOUN
eistud-1088	343	3	(	(	PUNCT
eistud-1088	343	4	in	in	ADP
eistud-1088	343	5	latvian	latvian	PROPN
eistud-1088	343	6	)	)	PUNCT
eistud-1088	343	7	.	.	PUNCT
eistud-1088	344	1	mills	mill	NOUN
eistud-1088	344	2	,	,	PUNCT
eistud-1088	344	3	a.	a.	NOUN
eistud-1088	344	4	(	(	PUNCT
eistud-1088	344	5	2008	2008	NUM
eistud-1088	344	6	)	)	PUNCT
eistud-1088	344	7	essential	essential	ADJ
eistud-1088	344	8	strategies	strategy	NOUN
eistud-1088	344	9	for	for	ADP
eistud-1088	344	10	financial	financial	ADJ
eistud-1088	344	11	services	service	NOUN
eistud-1088	344	12	compliance	compliance	NOUN
eistud-1088	344	13	.	.	PUNCT
eistud-1088	345	1	john	john	PROPN
eistud-1088	345	2	wiley	wiley	PROPN
eistud-1088	345	3	&	&	CCONJ
eistud-1088	345	4	sons	sons	PROPN
eistud-1088	345	5	,	,	PUNCT
eistud-1088	345	6	ltd	ltd	PROPN
eistud-1088	345	7	.	.	PROPN
eistud-1088	345	8	352	352	NUM
eistud-1088	345	9	p.	p.	NOUN
eistud-1088	345	10	monti	monti	PROPN
eistud-1088	345	11	,	,	PUNCT
eistud-1088	345	12	m.	m.	NOUN
eistud-1088	345	13	(	(	PUNCT
eistud-1088	345	14	2010	2010	NUM
eistud-1088	345	15	)	)	PUNCT
eistud-1088	345	16	a	a	DET
eistud-1088	345	17	new	new	ADJ
eistud-1088	345	18	strategy	strategy	NOUN
eistud-1088	345	19	for	for	ADP
eistud-1088	345	20	the	the	DET
eistud-1088	345	21	single	single	ADJ
eistud-1088	345	22	market	market	NOUN
eistud-1088	345	23	at	at	ADP
eistud-1088	345	24	the	the	DET
eistud-1088	345	25	service	service	NOUN
eistud-1088	345	26	of	of	ADP
eistud-1088	345	27	europe	europe	PROPN
eistud-1088	345	28	’s	’s	PART
eistud-1088	345	29	economy	economy	NOUN
eistud-1088	345	30	and	and	CCONJ
eistud-1088	345	31	society	society	NOUN
eistud-1088	345	32	.	.	PUNCT
eistud-1088	346	1	on	on	ADP
eistud-1088	346	2	-	-	PUNCT
eistud-1088	346	3	line	line	NOUN
eistud-1088	346	4	http://ec.europa.eu/internal_market/smact/index	http://ec.europa.eu/internal_market/smact/index	PROPN
eistud-1088	346	5	_	_	NOUN
eistud-1088	346	6	en.htm	en.htm	PROPN
eistud-1088	346	7	–	–	PUNCT
eistud-1088	346	8	visited	visit	VERB
eistud-1088	346	9	16.02.2011	16.02.2011	NUM
eistud-1088	346	10	.	.	PUNCT
eistud-1088	347	1	national	national	ADJ
eistud-1088	347	2	occupational	occupational	ADJ
eistud-1088	347	3	standards	standard	NOUN
eistud-1088	347	4	for	for	ADP
eistud-1088	347	5	compliance	compliance	NOUN
eistud-1088	347	6	and	and	CCONJ
eistud-1088	347	7	antimoney	antimoney	NOUN
eistud-1088	347	8	laundering	laundering	NOUN
eistud-1088	347	9	.	.	PUNCT
eistud-1088	348	1	financial	financial	ADJ
eistud-1088	348	2	skills	skill	NOUN
eistud-1088	348	3	partnership	partnership	PROPN
eistud-1088	348	4	,	,	PUNCT
eistud-1088	348	5	uk	uk	PROPN
eistud-1088	348	6	,	,	PUNCT
eistud-1088	348	7	on	on	ADP
eistud-1088	348	8	-	-	PUNCT
eistud-1088	348	9	line	line	NOUN
eistud-1088	348	10	www.fssc.org.uk	www.fssc.org.uk	NOUN
eistud-1088	348	11	/229_14.html?i=1	/229_14.html?i=1	PUNCT
eistud-1088	348	12	–	–	PUNCT
eistud-1088	348	13	visited	visit	VERB
eistud-1088	348	14	17.02.2011	17.02.2011	NUM
eistud-1088	348	15	.	.	PUNCT
eistud-1088	349	1	o’sullivan	o’sullivan	PROPN
eistud-1088	349	2	,	,	PUNCT
eistud-1088	349	3	k.p.v	k.p.v	PROPN
eistud-1088	349	4	.	.	PROPN
eistud-1088	349	5	(	(	PUNCT
eistud-1088	349	6	2010	2010	NUM
eistud-1088	349	7	)	)	PUNCT
eistud-1088	349	8	what	what	PRON
eistud-1088	349	9	caused	cause	VERB
eistud-1088	349	10	the	the	DET
eistud-1088	349	11	irish	irish	ADJ
eistud-1088	349	12	banking	banking	NOUN
eistud-1088	349	13	crises	crisis	NOUN
eistud-1088	349	14	?	?	PUNCT
eistud-1088	350	1	journal	journal	NOUN
eistud-1088	350	2	of	of	ADP
eistud-1088	350	3	financial	financial	ADJ
eistud-1088	350	4	regulation	regulation	NOUN
eistud-1088	350	5	and	and	CCONJ
eistud-1088	350	6	compliance	compliance	NOUN
eistud-1088	350	7	,	,	PUNCT
eistud-1088	350	8	vol	vol	NOUN
eistud-1088	350	9	.	.	PROPN
eistud-1088	350	10	18	18	NUM
eistud-1088	350	11	,	,	PUNCT
eistud-1088	350	12	no	no	DET
eistud-1088	350	13	3	3	NUM
eistud-1088	350	14	,	,	PUNCT
eistud-1088	350	15	pp	pp	ADJ
eistud-1088	350	16	.	.	PUNCT
eistud-1088	351	1	224	224	NUM
eistud-1088	351	2	-	-	SYM
eistud-1088	351	3	242	242	NUM
eistud-1088	351	4	.	.	PUNCT
eistud-1088	352	1	principles	principle	NOUN
eistud-1088	352	2	for	for	ADP
eistud-1088	352	3	enhancing	enhance	VERB
eistud-1088	352	4	corporate	corporate	ADJ
eistud-1088	352	5	governance	governance	NOUN
eistud-1088	352	6	.	.	PUNCT
eistud-1088	353	1	basel	basel	PROPN
eistud-1088	353	2	committee	committee	PROPN
eistud-1088	353	3	on	on	ADP
eistud-1088	353	4	banking	banking	NOUN
eistud-1088	353	5	supervision	supervision	NOUN
eistud-1088	353	6	,	,	PUNCT
eistud-1088	353	7	consultative	consultative	ADJ
eistud-1088	353	8	document	document	NOUN
eistud-1088	353	9	,	,	PUNCT
eistud-1088	353	10	bank	bank	NOUN
eistud-1088	353	11	for	for	ADP
eistud-1088	353	12	international	international	ADJ
eistud-1088	353	13	steelements	steelement	NOUN
eistud-1088	353	14	,	,	PUNCT
eistud-1088	353	15	march	march	PROPN
eistud-1088	353	16	,	,	PUNCT
eistud-1088	353	17	2010	2010	NUM
eistud-1088	353	18	,	,	PUNCT
eistud-1088	353	19	40	40	NUM
eistud-1088	353	20	p	p	NOUN
eistud-1088	353	21	,	,	PUNCT
eistud-1088	353	22	available	available	ADJ
eistud-1088	353	23	also	also	ADV
eistud-1088	353	24	on	on	ADP
eistud-1088	353	25	-	-	PUNCT
eistud-1088	353	26	line	line	NOUN
eistud-1088	353	27	http://www.bis.org/	http://www.bis.org/	ADJ
eistud-1088	353	28	publ	publ	NOUN
eistud-1088	353	29	/	/	SYM
eistud-1088	353	30	bcbs168.pdf	bcbs168.pdf	NOUN
eistud-1088	353	31	–	–	PUNCT
eistud-1088	353	32	visited	visit	VERB
eistud-1088	353	33	16.02.2011	16.02.2011	NUM
eistud-1088	353	34	.	.	PUNCT
eistud-1088	354	1	purfield	purfield	PROPN
eistud-1088	354	2	,	,	PUNCT
eistud-1088	354	3	c.	c.	PROPN
eistud-1088	354	4	,	,	PUNCT
eistud-1088	354	5	rosenberg	rosenberg	PROPN
eistud-1088	354	6	,	,	PUNCT
eistud-1088	354	7	c.	c.	PROPN
eistud-1088	354	8	b.	b.	PROPN
eistud-1088	354	9	(	(	PUNCT
eistud-1088	354	10	2010	2010	NUM
eistud-1088	354	11	)	)	PUNCT
eistud-1088	354	12	adjustment	adjustment	NOUN
eistud-1088	354	13	under	under	ADP
eistud-1088	354	14	a	a	DET
eistud-1088	354	15	currency	currency	NOUN
eistud-1088	354	16	peg	peg	NOUN
eistud-1088	354	17	:	:	PUNCT
eistud-1088	354	18	estonia	estonia	PROPN
eistud-1088	354	19	,	,	PUNCT
eistud-1088	354	20	latvia	latvia	PROPN
eistud-1088	354	21	and	and	CCONJ
eistud-1088	354	22	lithuania	lithuania	PROPN
eistud-1088	354	23	during	during	ADP
eistud-1088	354	24	the	the	DET
eistud-1088	354	25	global	global	ADJ
eistud-1088	354	26	financial	financial	ADJ
eistud-1088	354	27	crisis	crisis	NOUN
eistud-1088	354	28	2008	2008	NUM
eistud-1088	354	29	-	-	SYM
eistud-1088	354	30	09	09	NUM
eistud-1088	354	31	.	.	PUNCT
eistud-1088	355	1	on	on	ADP
eistud-1088	355	2	-	-	PUNCT
eistud-1088	355	3	line	line	NOUN
eistud-1088	355	4	http://www	http://www	PROPN
eistud-1088	355	5	.	.	PROPN
eistud-1088	355	6	imf.org/external/pubs/cat/longres.aspx?sk=24217.0	imf.org/external/pubs/cat/longres.aspx?sk=24217.0	PROPN
eistud-1088	355	7	–	–	PUNCT
eistud-1088	355	8	visited	visit	VERB
eistud-1088	355	9	09.02.2011	09.02.2011	NOUN
eistud-1088	355	10	.	.	PUNCT
eistud-1088	356	1	regulatory	regulatory	ADJ
eistud-1088	356	2	compliance	compliance	NOUN
eistud-1088	356	3	:	:	PUNCT
eistud-1088	356	4	adding	add	VERB
eistud-1088	356	5	value	value	NOUN
eistud-1088	356	6	.	.	PUNCT
eistud-1088	357	1	on	on	ADP
eistud-1088	357	2	-	-	PUNCT
eistud-1088	357	3	line	line	NOUN
eistud-1088	357	4	http://kariera	http://kariera	NOUN
eistud-1088	357	5	.	.	PUNCT
eistud-1088	358	1	pwc.com/extranet/karierapl/karieraw.nsf/0/ee39709fd7	pwc.com/extranet/karierapl/karieraw.nsf/0/ee39709fd7	NOUN
eistud-1088	358	2	ee91b7c125700f004c4792/$file	ee91b7c125700f004c4792/$file	NOUN
eistud-1088	358	3	/	/	SYM
eistud-1088	358	4	compliance_survey	compliance_survey	NOUN
eistud-1088	358	5	.	.	PUNCT
eistud-1088	359	1	pdf?openelement	pdf?openelement	ADJ
eistud-1088	359	2	–	–	PUNCT
eistud-1088	359	3	visited	visit	VERB
eistud-1088	359	4	16.02.2011	16.02.2011	NUM
eistud-1088	359	5	.	.	PUNCT
eistud-1088	359	6	republic	republic	NOUN
eistud-1088	359	7	of	of	ADP
eistud-1088	359	8	latvia	latvia	PROPN
eistud-1088	359	9	:	:	PUNCT
eistud-1088	359	10	detailed	detailed	ADJ
eistud-1088	359	11	assessment	assessment	NOUN
eistud-1088	359	12	report	report	NOUN
eistud-1088	359	13	on	on	ADP
eistud-1088	359	14	antimoney	antimoney	NOUN
eistud-1088	359	15	laundering	laundering	NOUN
eistud-1088	359	16	and	and	CCONJ
eistud-1088	359	17	combating	combat	VERB
eistud-1088	359	18	the	the	DET
eistud-1088	359	19	financing	financing	NOUN
eistud-1088	359	20	of	of	ADP
eistud-1088	359	21	terrorism	terrorism	NOUN
eistud-1088	359	22	.	.	PUNCT
eistud-1088	360	1	on	on	ADP
eistud-1088	360	2	-	-	PUNCT
eistud-1088	360	3	line	line	NOUN
eistud-1088	360	4	http://www.imf.org/external/pubs/	http://www.imf.org/external/pubs/	PROPN
eistud-1088	360	5	cat/	cat/	ADJ
eistud-1088	360	6	longres.aspx?sk=21029	longres.aspx?sk=21029	PROPN
eistud-1088	360	7	–	–	PUNCT
eistud-1088	360	8	visited	visit	VERB
eistud-1088	360	9	16.02.2011	16.02.2011	NUM
eistud-1088	360	10	.	.	PUNCT
eistud-1088	361	1	romānova	romānova	PROPN
eistud-1088	361	2	,	,	PUNCT
eistud-1088	361	3	i.	i.	PROPN
eistud-1088	361	4	(	(	PUNCT
eistud-1088	361	5	2008	2008	NUM
eistud-1088	361	6	)	)	PUNCT
eistud-1088	361	7	internal	internal	ADJ
eistud-1088	361	8	rating	rating	NOUN
eistud-1088	361	9	system	system	NOUN
eistud-1088	361	10	for	for	ADP
eistud-1088	361	11	credit	credit	NOUN
eistud-1088	361	12	risk	risk	NOUN
eistud-1088	361	13	assessment	assessment	NOUN
eistud-1088	361	14	:	:	PUNCT
eistud-1088	361	15	a	a	DET
eistud-1088	361	16	dissertation	dissertation	NOUN
eistud-1088	361	17	.	.	PUNCT
eistud-1088	362	1	riga	riga	ADJ
eistud-1088	362	2	:	:	PUNCT
eistud-1088	362	3	the	the	DET
eistud-1088	362	4	university	university	PROPN
eistud-1088	362	5	of	of	ADP
eistud-1088	362	6	latvia	latvia	PROPN
eistud-1088	362	7	.	.	PUNCT
eistud-1088	363	1	157	157	NUM
eistud-1088	363	2	p.	p.	NOUN
eistud-1088	363	3	(	(	PUNCT
eistud-1088	363	4	in	in	ADP
eistud-1088	363	5	latvian	latvian	PROPN
eistud-1088	363	6	)	)	PUNCT
eistud-1088	363	7	rossi	rossi	PROPN
eistud-1088	363	8	,	,	PUNCT
eistud-1088	363	9	c.	c.	PROPN
eistud-1088	363	10	(	(	PUNCT
eistud-1088	363	11	2010	2010	NUM
eistud-1088	363	12	)	)	PUNCT
eistud-1088	363	13	compliance	compliance	NOUN
eistud-1088	363	14	:	:	PUNCT
eistud-1088	363	15	an	an	DET
eistud-1088	363	16	over	over	ADV
eistud-1088	363	17	-	-	PUNCT
eistud-1088	363	18	looked	look	VERB
eistud-1088	363	19	business	business	NOUN
eistud-1088	363	20	strategy	strategy	NOUN
eistud-1088	363	21	,	,	PUNCT
eistud-1088	363	22	international	international	ADJ
eistud-1088	363	23	journal	journal	NOUN
eistud-1088	363	24	of	of	ADP
eistud-1088	363	25	social	social	ADJ
eistud-1088	363	26	economics	economic	NOUN
eistud-1088	363	27	,	,	PUNCT
eistud-1088	363	28	vol.37	vol.37	VERB
eistud-1088	363	29	,	,	PUNCT
eistud-1088	363	30	no	no	DET
eistud-1088	363	31	10	10	NUM
eistud-1088	363	32	,	,	PUNCT
eistud-1088	363	33	pp	pp	ADJ
eistud-1088	363	34	.	.	PUNCT
eistud-1088	363	35	816	816	NUM
eistud-1088	363	36	-	-	SYM
eistud-1088	363	37	831	831	NUM
eistud-1088	363	38	.	.	PUNCT
eistud-1088	364	1	saksonova	saksonova	PROPN
eistud-1088	364	2	s.	s.	PROPN
eistud-1088	364	3	(	(	PUNCT
eistud-1088	364	4	2003	2003	NUM
eistud-1088	364	5	)	)	PUNCT
eistud-1088	364	6	,	,	PUNCT
eistud-1088	364	7	assets	asset	NOUN
eistud-1088	364	8	of	of	ADP
eistud-1088	364	9	commercial	commercial	ADJ
eistud-1088	364	10	banks	bank	NOUN
eistud-1088	364	11	of	of	ADP
eistud-1088	364	12	latvia	latvia	PROPN
eistud-1088	364	13	(	(	PUNCT
eistud-1088	364	14	in	in	ADP
eistud-1088	364	15	latvian	latvian	ADJ
eistud-1088	364	16	–	–	PUNCT
eistud-1088	364	17	latvijas	latvijas	ADJ
eistud-1088	364	18	komercbanku	komercbanku	PROPN
eistud-1088	364	19	aktīvi	aktīvi	PROPN
eistud-1088	364	20	)	)	PUNCT
eistud-1088	364	21	,	,	PUNCT
eistud-1088	364	22	latvia	latvia	PROPN
eistud-1088	364	23	academy	academy	PROPN
eistud-1088	364	24	of	of	ADP
eistud-1088	364	25	sciences	sciences	PROPN
eistud-1088	364	26	,	,	PUNCT
eistud-1088	364	27	institute	institute	NOUN
eistud-1088	364	28	of	of	ADP
eistud-1088	364	29	economy	economy	NOUN
eistud-1088	364	30	,	,	PUNCT
eistud-1088	364	31	isbn	isbn	ADJ
eistud-1088	364	32	99842	99842	NUM
eistud-1088	364	33	-	-	SYM
eistud-1088	364	34	x	x	NOUN
eistud-1088	364	35	,	,	PUNCT
eistud-1088	364	36	225	225	NUM
eistud-1088	364	37	p.	p.	NOUN
eistud-1088	364	38	saksonova	saksonova	PROPN
eistud-1088	364	39	s.	s.	PROPN
eistud-1088	364	40	(	(	PUNCT
eistud-1088	364	41	2006	2006	NUM
eistud-1088	364	42	)	)	PUNCT
eistud-1088	364	43	,	,	PUNCT
eistud-1088	364	44	operation	operation	NOUN
eistud-1088	364	45	of	of	ADP
eistud-1088	364	46	banks	bank	NOUN
eistud-1088	364	47	(	(	PUNCT
eistud-1088	364	48	in	in	ADP
eistud-1088	364	49	latvian	latvian	ADJ
eistud-1088	364	50	–	–	PUNCT
eistud-1088	364	51	banku	banku	PROPN
eistud-1088	364	52	darbība	darbība	PROPN
eistud-1088	364	53	)	)	PUNCT
eistud-1088	364	54	,	,	PUNCT
eistud-1088	364	55	association	association	NOUN
eistud-1088	364	56	of	of	ADP
eistud-1088	364	57	latva	latva	ADJ
eistud-1088	364	58	commercial	commercial	ADJ
eistud-1088	364	59	banks	bank	NOUN
eistud-1088	364	60	,	,	PUNCT
eistud-1088	364	61	2006	2006	NUM
eistud-1088	364	62	,	,	PUNCT
eistud-1088	364	63	isbn	isbn	PROPN
eistud-1088	364	64	9984	9984	NUM
eistud-1088	364	65	–	–	PUNCT
eistud-1088	364	66	9794	9794	NUM
eistud-1088	364	67	-	-	SYM
eistud-1088	364	68	1	1	NUM
eistud-1088	364	69	-	-	SYM
eistud-1088	364	70	5	5	NUM
eistud-1088	364	71	,	,	PUNCT
eistud-1088	364	72	200	200	NUM
eistud-1088	364	73	p.	p.	NOUN
eistud-1088	364	74	sathye	sathye	NOUN
eistud-1088	364	75	,	,	PUNCT
eistud-1088	364	76	m.	m.	NOUN
eistud-1088	364	77	(	(	PUNCT
eistud-1088	364	78	2008	2008	NUM
eistud-1088	364	79	)	)	PUNCT
eistud-1088	364	80	estimating	estimate	VERB
eistud-1088	364	81	the	the	DET
eistud-1088	364	82	cost	cost	NOUN
eistud-1088	364	83	of	of	ADP
eistud-1088	364	84	compliance	compliance	NOUN
eistud-1088	364	85	of	of	ADP
eistud-1088	364	86	aml	aml	PROPN
eistud-1088	364	87	/	/	SYM
eistud-1088	364	88	ctf	ctf	PROPN
eistud-1088	364	89	for	for	ADP
eistud-1088	364	90	financial	financial	ADJ
eistud-1088	364	91	institutions	institution	NOUN
eistud-1088	364	92	in	in	ADP
eistud-1088	364	93	australia	australia	PROPN
eistud-1088	364	94	,	,	PUNCT
eistud-1088	364	95	journal	journal	NOUN
eistud-1088	364	96	of	of	ADP
eistud-1088	364	97	financial	financial	ADJ
eistud-1088	364	98	crime	crime	NOUN
eistud-1088	364	99	,	,	PUNCT
eistud-1088	364	100	vol.15	vol.15	NOUN
eistud-1088	364	101	,	,	PUNCT
eistud-1088	364	102	no	no	DET
eistud-1088	364	103	4	4	NUM
eistud-1088	364	104	,	,	PUNCT
eistud-1088	364	105	pp	pp	ADJ
eistud-1088	364	106	.	.	PUNCT
eistud-1088	365	1	347	347	NUM
eistud-1088	365	2	-	-	SYM
eistud-1088	365	3	363	363	NUM
eistud-1088	365	4	.	.	PUNCT
eistud-1088	366	1	securities	security	NOUN
eistud-1088	366	2	industry	industry	PROPN
eistud-1088	366	3	association	association	PROPN
eistud-1088	366	4	(	(	PUNCT
eistud-1088	366	5	2005	2005	NUM
eistud-1088	366	6	)	)	PUNCT
eistud-1088	366	7	the	the	DET
eistud-1088	366	8	role	role	NOUN
eistud-1088	366	9	of	of	ADP
eistud-1088	366	10	compliance	compliance	NOUN
eistud-1088	366	11	,	,	PUNCT
eistud-1088	366	12	journal	journal	NOUN
eistud-1088	366	13	of	of	ADP
eistud-1088	366	14	investment	investment	NOUN
eistud-1088	366	15	compliance	compliance	NOUN
eistud-1088	366	16	,	,	PUNCT
eistud-1088	366	17	vol	vol	NOUN
eistud-1088	366	18	.	.	PROPN
eistud-1088	366	19	2	2	NUM
eistud-1088	366	20	,	,	PUNCT
eistud-1088	366	21	no	no	DET
eistud-1088	366	22	3	3	NUM
eistud-1088	366	23	,	,	PUNCT
eistud-1088	366	24	pp	pp	ADJ
eistud-1088	366	25	.	.	PUNCT
eistud-1088	367	1	4	4	NUM
eistud-1088	367	2	-	-	SYM
eistud-1088	367	3	22	22	NUM
eistud-1088	367	4	.	.	PUNCT
eistud-1088	368	1	solovjova	solovjova	PROPN
eistud-1088	368	2	,	,	PUNCT
eistud-1088	368	3	i.	i.	PROPN
eistud-1088	368	4	(	(	PUNCT
eistud-1088	368	5	2008	2008	NUM
eistud-1088	368	6	)	)	PUNCT
eistud-1088	368	7	commercial	commercial	ADJ
eistud-1088	368	8	banking	banking	NOUN
eistud-1088	368	9	system	system	NOUN
eistud-1088	368	10	stability	stability	NOUN
eistud-1088	368	11	problems	problem	NOUN
eistud-1088	368	12	:	:	PUNCT
eistud-1088	368	13	a	a	DET
eistud-1088	368	14	dissertation	dissertation	NOUN
eistud-1088	368	15	.	.	PUNCT
eistud-1088	369	1	riga	riga	ADJ
eistud-1088	369	2	:	:	PUNCT
eistud-1088	369	3	the	the	DET
eistud-1088	369	4	university	university	PROPN
eistud-1088	369	5	of	of	ADP
eistud-1088	369	6	latvia	latvia	PROPN
eistud-1088	369	7	.	.	PUNCT
eistud-1088	370	1	174	174	NUM
eistud-1088	370	2	p.	p.	NOUN
eistud-1088	370	3	(	(	PUNCT
eistud-1088	370	4	in	in	ADP
eistud-1088	370	5	latvian	latvian	PROPN
eistud-1088	370	6	)	)	PUNCT
eistud-1088	370	7	.	.	PUNCT
eistud-1088	371	1	study	study	NOUN
eistud-1088	371	2	on	on	ADP
eistud-1088	371	3	the	the	DET
eistud-1088	371	4	cost	cost	NOUN
eistud-1088	371	5	of	of	ADP
eistud-1088	371	6	compliance	compliance	NOUN
eistud-1088	371	7	with	with	ADP
eistud-1088	371	8	selected	select	VERB
eistud-1088	371	9	fsap	fsap	NOUN
eistud-1088	371	10	measures	measure	NOUN
eistud-1088	371	11	final	final	ADJ
eistud-1088	371	12	report	report	NOUN
eistud-1088	371	13	by	by	ADP
eistud-1088	371	14	europe	europe	PROPN
eistud-1088	371	15	economics	economics	PROPN
eistud-1088	371	16	,	,	PUNCT
eistud-1088	371	17	european	european	PROPN
eistud-1088	371	18	commission	commission	PROPN
eistud-1088	371	19	.	.	PUNCT
eistud-1088	372	1	on	on	ADP
eistud-1088	372	2	-	-	PUNCT
eistud-1088	372	3	line	line	NOUN
eistud-1088	372	4	http://ec.europa.eu	http://ec.europa.eu	NOUN
eistud-1088	372	5	/internal	/internal	PUNCT
eistud-1088	372	6	_	_	NOUN
eistud-1088	372	7	market	market	NOUN
eistud-1088	372	8	/	/	SYM
eistud-1088	372	9	finances	finance	NOUN
eistud-1088	372	10	/	/	SYM
eistud-1088	372	11	docs	doc	NOUN
eistud-1088	372	12	/	/	SYM
eistud-1088	372	13	actionplan	actionplan	NOUN
eistud-1088	372	14	/	/	SYM
eistud-1088	372	15	index/090707_cost_of	index/090707_cost_of	NOUN
eistud-1088	372	16	_	_	NOUN
eistud-1088	372	17	compliance_en.pdf	compliance_en.pdf	ADJ
eistud-1088	372	18	–	–	PUNCT
eistud-1088	372	19	visited	visit	VERB
eistud-1088	372	20	16.02.2011	16.02.2011	NUM
eistud-1088	372	21	.	.	PUNCT
eistud-1088	373	1	taylor	taylor	PROPN
eistud-1088	373	2	,	,	PUNCT
eistud-1088	373	3	c.	c.	PROPN
eistud-1088	373	4	(	(	PUNCT
eistud-1088	373	5	2005	2005	NUM
eistud-1088	373	6	)	)	PUNCT
eistud-1088	373	7	the	the	DET
eistud-1088	373	8	evolution	evolution	NOUN
eistud-1088	373	9	of	of	ADP
eistud-1088	373	10	compliance	compliance	NOUN
eistud-1088	373	11	,	,	PUNCT
eistud-1088	373	12	journal	journal	NOUN
eistud-1088	373	13	of	of	ADP
eistud-1088	373	14	investment	investment	NOUN
eistud-1088	373	15	compliance	compliance	NOUN
eistud-1088	373	16	,	,	PUNCT
eistud-1088	373	17	vol	vol	NOUN
eistud-1088	373	18	.	.	PROPN
eistud-1088	373	19	6	6	NUM
eistud-1088	373	20	,	,	PUNCT
eistud-1088	373	21	no	no	DET
eistud-1088	373	22	4	4	NUM
eistud-1088	373	23	,	,	PUNCT
eistud-1088	373	24	pp	pp	ADJ
eistud-1088	373	25	.	.	PUNCT
eistud-1088	374	1	54	54	NUM
eistud-1088	374	2	-	-	SYM
eistud-1088	374	3	58	58	NUM
eistud-1088	374	4	.	.	PUNCT
eistud-1088	375	1	the	the	DET
eistud-1088	375	2	future	future	NOUN
eistud-1088	375	3	of	of	ADP
eistud-1088	375	4	compliance	compliance	NOUN
eistud-1088	375	5	–	–	PUNCT
eistud-1088	375	6	best	good	ADJ
eistud-1088	375	7	practice	practice	NOUN
eistud-1088	375	8	and	and	CCONJ
eistud-1088	375	9	delivering	deliver	VERB
eistud-1088	375	10	value	value	NOUN
eistud-1088	375	11	.	.	PUNCT
eistud-1088	376	1	on	on	ADP
eistud-1088	376	2	-	-	PUNCT
eistud-1088	376	3	line	line	NOUN
eistud-1088	376	4	http://www.i-law.com/ilaw/doc/view	http://www.i-law.com/ilaw/doc/view	NOUN
eistud-1088	376	5	.	.	PUNCT
eistud-1088	377	1	htm?id=131975	htm?id=131975	PROPN
eistud-1088	377	2	–	–	PUNCT
eistud-1088	377	3	visited	visit	VERB
eistud-1088	377	4	16.02.2011	16.02.2011	NUM
eistud-1088	377	5	.	.	PUNCT
eistud-1088	378	1	towards	towards	ADP
eistud-1088	378	2	a	a	DET
eistud-1088	378	3	single	single	ADJ
eistud-1088	378	4	market	market	NOUN
eistud-1088	378	5	act	act	NOUN
eistud-1088	378	6	.	.	PUNCT
eistud-1088	379	1	online	online	ADV
eistud-1088	379	2	–	–	PUNCT
eistud-1088	379	3	http://ec.europa	http://ec.europa	NOUN
eistud-1088	379	4	.	.	PUNCT
eistud-1088	380	1	eu	eu	PROPN
eistud-1088	380	2	/	/	SYM
eistud-1088	380	3	internal_market	internal_market	NOUN
eistud-1088	380	4	/	/	SYM
eistud-1088	380	5	smact	smact	PROPN
eistud-1088	380	6	/	/	SYM
eistud-1088	380	7	index_en.htm	index_en.htm	PROPN
eistud-1088	380	8	visited	visit	VERB
eistud-1088	380	9	16.02.2011	16.02.2011	NUM
eistud-1088	380	10	.	.	PUNCT
eistud-1088	381	1	us	us	PROPN
eistud-1088	381	2	fdic	fdic	ADJ
eistud-1088	381	3	:	:	PUNCT
eistud-1088	381	4	compliance	compliance	NOUN
eistud-1088	381	5	examination	examination	NOUN
eistud-1088	381	6	manual	manual	NOUN
eistud-1088	381	7	.	.	PUNCT
eistud-1088	382	1	on	on	ADP
eistud-1088	382	2	-	-	PUNCT
eistud-1088	382	3	line	line	NOUN
eistud-1088	382	4	http://	http://	PROPN
eistud-1088	382	5	www.fdic.gov/regulations/compliance/manual/index_pdf	www.fdic.gov/regulations/compliance/manual/index_pdf	NOUN
eistud-1088	382	6	.	.	PUNCT
eistud-1088	383	1	html	html	PROPN
eistud-1088	383	2	visited	visit	VERB
eistud-1088	383	3	22.02.2011	22.02.2011	NUM
eistud-1088	383	4	us	we	PRON
eistud-1088	383	5	fed	fed	PROPN
eistud-1088	383	6	:	:	PUNCT
eistud-1088	383	7	compliance	compliance	NOUN
eistud-1088	383	8	risk	risk	NOUN
eistud-1088	383	9	management	management	NOUN
eistud-1088	383	10	programs	program	NOUN
eistud-1088	383	11	.	.	PUNCT
eistud-1088	384	1	on	on	ADP
eistud-1088	384	2	-	-	PUNCT
eistud-1088	384	3	line	line	NOUN
eistud-1088	384	4	http://www.federalreserve.gov/boarddocs/srletters	http://www.federalreserve.gov/boarddocs/srletters	PROPN
eistud-1088	384	5	/2008/	/2008/	PUNCT
eistud-1088	385	1	sr0808.htm	sr0808.htm	PROPN
eistud-1088	385	2	verhage	verhage	NOUN
eistud-1088	385	3	,	,	PUNCT
eistud-1088	385	4	a.	a.	NOUN
eistud-1088	385	5	(	(	PUNCT
eistud-1088	385	6	2009	2009	NUM
eistud-1088	385	7	)	)	PUNCT
eistud-1088	385	8	compliance	compliance	NOUN
eistud-1088	385	9	and	and	CCONJ
eistud-1088	385	10	aml	aml	PROPN
eistud-1088	385	11	in	in	ADP
eistud-1088	385	12	belgium	belgium	PROPN
eistud-1088	385	13	:	:	PUNCT
eistud-1088	385	14	a	a	DET
eistud-1088	385	15	booming	booming	ADJ
eistud-1088	385	16	sector	sector	NOUN
eistud-1088	385	17	with	with	ADP
eistud-1088	385	18	growing	grow	VERB
eistud-1088	385	19	pains	pain	NOUN
eistud-1088	385	20	,	,	PUNCT
eistud-1088	385	21	journal	journal	NOUN
eistud-1088	385	22	of	of	ADP
eistud-1088	385	23	money	money	NOUN
eistud-1088	385	24	laundering	laundering	NOUN
eistud-1088	385	25	control	control	NOUN
eistud-1088	385	26	,	,	PUNCT
eistud-1088	385	27	vol.12	vol.12	NOUN
eistud-1088	385	28	,	,	PUNCT
eistud-1088	385	29	no	no	DET
eistud-1088	385	30	2	2	NUM
eistud-1088	385	31	,	,	PUNCT
eistud-1088	385	32	pp	pp	ADJ
eistud-1088	385	33	.	.	PUNCT
eistud-1088	386	1	113	113	NUM
eistud-1088	386	2	-	-	SYM
eistud-1088	386	3	133	133	NUM
eistud-1088	386	4	.	.	PUNCT
eistud-1088	387	1	on	on	ADP
eistud-1088	387	2	-	-	PUNCT
eistud-1088	387	3	line	line	NOUN
eistud-1088	387	4	www.ifm.eng.cam.ac.uk/dstools/paradigm/genstrat.html	www.ifm.eng.cam.ac.uk/dstools/paradigm/genstrat.html	PROPN
eistud-1088	387	5	webfinance	webfinance	NOUN
eistud-1088	387	6	–	–	PUNCT
eistud-1088	387	7	business	business	NOUN
eistud-1088	387	8	dictionary	dictionary	NOUN
eistud-1088	387	9	,	,	PUNCT
eistud-1088	387	10	2011	2011	NUM
eistud-1088	387	11	www.businessdictionary.com/definition/compliance.html?q=	www.businessdictionary.com/definition/compliance.html?q=	VERB
eistud-1088	387	12	compliance	compliance	NOUN
eistud-1088	387	13	,	,	PUNCT
eistud-1088	387	14	visited	visit	VERB
eistud-1088	387	15	2011.01.26	2011.01.26	NUM
eistud-1088	387	16	law	law	NOUN
eistud-1088	387	17	of	of	ADP
eistud-1088	387	18	republic	republic	NOUN
eistud-1088	387	19	of	of	ADP
eistud-1088	387	20	latvia	latvia	PROPN
eistud-1088	387	21	code	code	PROPN
eistud-1088	387	22	of	of	ADP
eistud-1088	387	23	administrative	administrative	ADJ
eistud-1088	387	24	violations	violation	NOUN
eistud-1088	387	25	,	,	PUNCT
eistud-1088	387	26	accepted	accept	VERB
eistud-1088	387	27	07.12.1984	07.12.1984	PROPN
eistud-1088	387	28	(	(	PUNCT
eistud-1088	387	29	in	in	ADP
eistud-1088	387	30	latvian	latvian	ADJ
eistud-1088	387	31	–	–	PUNCT
eistud-1088	387	32	administratīvo	administratīvo	ADJ
eistud-1088	387	33	pārkāpumu	pārkāpumu	NOUN
eistud-1088	387	34	kodekss	kodekss	PROPN
eistud-1088	387	35	)	)	PUNCT
eistud-1088	387	36	on	on	ADP
eistud-1088	387	37	-	-	PUNCT
eistud-1088	387	38	line	line	NOUN
eistud-1088	387	39	http://www	http://www	PROPN
eistud-1088	387	40	.	.	PUNCT
eistud-1088	388	1	likumi.lv/doc.php?id=89648&version_date=21.05.2004	likumi.lv/doc.php?id=89648&version_date=21.05.2004	PROPN
eistud-1088	388	2	and	and	CCONJ
eistud-1088	388	3	http://www.likumi.lv/doc.php?id	http://www.likumi.lv/doc.php?id	NOUN
eistud-1088	388	4	=	=	PROPN
eistud-1088	388	5	89648	89648	NUM
eistud-1088	388	6	law	law	NOUN
eistud-1088	388	7	of	of	ADP
eistud-1088	388	8	credit	credit	NOUN
eistud-1088	388	9	institutions	institution	NOUN
eistud-1088	388	10	,	,	PUNCT
eistud-1088	388	11	accepted	accept	VERB
eistud-1088	388	12	05.10.1995	05.10.1995	NOUN
eistud-1088	388	13	.	.	PUNCT
eistud-1088	389	1	(	(	PUNCT
eistud-1088	389	2	in	in	ADP
eistud-1088	389	3	latvian	latvian	ADJ
eistud-1088	389	4	–	–	PUNCT
eistud-1088	389	5	kredītiestāžu	kredītiestāžu	NOUN
eistud-1088	389	6	likums	likum	NOUN
eistud-1088	389	7	)	)	PUNCT
eistud-1088	389	8	on	on	ADP
eistud-1088	389	9	-	-	PUNCT
eistud-1088	389	10	line	line	NOUN
eistud-1088	389	11	http://www.likumi.lv/	http://www.likumi.lv/	X
eistud-1088	389	12	doc.php?id=37426&version_date=24.10.1995	doc.php?id=37426&version_date=24.10.1995	PROPN
eistud-1088	389	13	http://www.likumi.lv/doc.php?id=223915	http://www.likumi.lv/doc.php?id=223915	PROPN
eistud-1088	389	14	the	the	DET
eistud-1088	389	15	article	article	NOUN
eistud-1088	389	16	has	have	AUX
eistud-1088	389	17	been	be	AUX
eistud-1088	389	18	reviewed	review	VERB
eistud-1088	389	19	.	.	PUNCT
eistud-1088	390	1	received	receive	VERB
eistud-1088	390	2	in	in	ADP
eistud-1088	390	3	april	april	PROPN
eistud-1088	390	4	,	,	PUNCT
eistud-1088	390	5	2011	2011	NUM
eistud-1088	390	6	;	;	PUNCT
eistud-1088	390	7	accepted	accept	VERB
eistud-1088	390	8	in	in	ADP
eistud-1088	390	9	june	june	PROPN
eistud-1088	390	10	,	,	PUNCT
eistud-1088	390	11	2011	2011	NUM
eistud-1088	390	12	.	.	PUNCT