id	sid	tid	token	lemma	pos
ejge-4656	1	1	vol.8	vol.8	PROPN
ejge-4656	1	2	•	•	NUM
ejge-4656	1	3	no.2	no.2	PROPN
ejge-4656	1	4	2019	2019	NUM
ejge-4656	1	5	issn	issn	PROPN
ejge-4656	1	6	:	:	PUNCT
ejge-4656	1	7	2254	2254	NUM
ejge-4656	1	8	-	-	SYM
ejge-4656	1	9	7088	7088	NUM
ejge-4656	1	10	european	european	ADJ
ejge-4656	1	11	journal	journal	NOUN
ejge-4656	1	12	of	of	ADP
ejge-4656	1	13	government	government	NOUN
ejge-4656	1	14	and	and	CCONJ
ejge-4656	1	15	economics	economic	NOUN
ejge-4656	1	16	8(2	8(2	NUM
ejge-4656	1	17	)	)	PUNCT
ejge-4656	1	18	,	,	PUNCT
ejge-4656	1	19	december	december	PROPN
ejge-4656	1	20	2019	2019	NUM
ejge-4656	1	21	.	.	PUNCT
ejge-4656	2	1	european	european	ADJ
ejge-4656	2	2	 	 	SPACE
ejge-4656	2	3	journal	journal	NOUN
ejge-4656	2	4	 	 	SPACE
ejge-4656	2	5	of	of	ADP
ejge-4656	2	6	 	 	SPACE
ejge-4656	2	7	government	government	NOUN
ejge-4656	2	8	 	 	SPACE
ejge-4656	2	9	and	and	CCONJ
ejge-4656	2	10	 	 	SPACE
ejge-4656	2	11	economics	economic	NOUN
ejge-4656	2	12	    	    	SPACE
ejge-4656	2	13	issn	issn	PROPN
ejge-4656	2	14	:	:	PUNCT
ejge-4656	2	15	 	 	SPACE
ejge-4656	2	16	2254‐7088	2254‐7088	NUM
ejge-4656	2	17	  	  	SPACE
ejge-4656	2	18	number	number	NOUN
ejge-4656	2	19	8	8	NUM
ejge-4656	2	20	,	,	PUNCT
ejge-4656	2	21	issue	issue	NOUN
ejge-4656	2	22	2	2	NUM
ejge-4656	2	23	,	,	PUNCT
ejge-4656	2	24	december	december	PROPN
ejge-4656	2	25	2019	2019	NUM
ejge-4656	2	26	doi	doi	NOUN
ejge-4656	2	27	:	:	PUNCT
ejge-4656	2	28	https://doi.org/10.17979/ejge.2018.8.2	https://doi.org/10.17979/ejge.2018.8.2	PROPN
ejge-4656	2	29	why	why	SCONJ
ejge-4656	2	30	regions	region	NOUN
ejge-4656	2	31	fail	fail	VERB
ejge-4656	2	32	(	(	PUNCT
ejge-4656	2	33	or	or	CCONJ
ejge-4656	2	34	succeed	succeed	VERB
ejge-4656	2	35	)	)	PUNCT
ejge-4656	2	36	.	.	PUNCT
ejge-4656	3	1	the	the	DET
ejge-4656	3	2	role	role	NOUN
ejge-4656	3	3	of	of	ADP
ejge-4656	3	4	government	government	NOUN
ejge-4656	3	5	institutions	institution	NOUN
ejge-4656	3	6	in	in	ADP
ejge-4656	3	7	the	the	DET
ejge-4656	3	8	long	long	ADV
ejge-4656	3	9	-	-	PUNCT
ejge-4656	3	10	run	run	VERB
ejge-4656	3	11	114	114	NUM
ejge-4656	3	12	-	-	SYM
ejge-4656	3	13	144	144	NUM
ejge-4656	3	14	doi	doi	NOUN
ejge-4656	3	15	:	:	PUNCT
ejge-4656	3	16	https://doi.org/10.17979/ejge.2019.8.2.4989	https://doi.org/10.17979/ejge.2019.8.2.4989	PROPN
ejge-4656	3	17	filippo	filippo	PROPN
ejge-4656	3	18	bonanno	bonanno	PROPN
ejge-4656	3	19	restructuring	restructure	VERB
ejge-4656	3	20	the	the	DET
ejge-4656	3	21	european	european	ADJ
ejge-4656	3	22	vat	vat	NOUN
ejge-4656	3	23	tax	tax	NOUN
ejge-4656	3	24	system	system	NOUN
ejge-4656	3	25	:	:	PUNCT
ejge-4656	3	26	advantages	advantage	NOUN
ejge-4656	3	27	and	and	CCONJ
ejge-4656	3	28	disadvantages	disadvantage	NOUN
ejge-4656	3	29	of	of	ADP
ejge-4656	3	30	the	the	DET
ejge-4656	3	31	adoption	adoption	NOUN
ejge-4656	3	32	of	of	ADP
ejge-4656	3	33	a	a	DET
ejge-4656	3	34	single	single	ADJ
ejge-4656	3	35	-	-	PUNCT
ejge-4656	3	36	rate	rate	NOUN
ejge-4656	3	37	model	model	NOUN
ejge-4656	3	38	a	a	DET
ejge-4656	3	39	study	study	NOUN
ejge-4656	3	40	based	base	VERB
ejge-4656	3	41	on	on	ADP
ejge-4656	3	42	the	the	DET
ejge-4656	3	43	portuguese	portuguese	ADJ
ejge-4656	3	44	case	case	NOUN
ejge-4656	3	45	145	145	NUM
ejge-4656	3	46	-	-	SYM
ejge-4656	3	47	160	160	NUM
ejge-4656	3	48	doi	doi	NOUN
ejge-4656	3	49	:	:	PUNCT
ejge-4656	3	50	https://10.17979	https://10.17979	NOUN
ejge-4656	3	51	/	/	SYM
ejge-4656	3	52	ejge.2019.8.2.5478	ejge.2019.8.2.5478	PROPN
ejge-4656	3	53	joão	joão	PROPN
ejge-4656	3	54	ricardo	ricardo	PROPN
ejge-4656	3	55	catarino	catarino	PROPN
ejge-4656	3	56	and	and	CCONJ
ejge-4656	3	57	ricardo	ricardo	PROPN
ejge-4656	3	58	de	de	PROPN
ejge-4656	3	59	moraes	moraes	PROPN
ejge-4656	3	60	e	e	PROPN
ejge-4656	3	61	soares	soar	VERB
ejge-4656	3	62	fdi	fdi	PROPN
ejge-4656	3	63	in	in	ADP
ejge-4656	3	64	selected	select	VERB
ejge-4656	3	65	developing	develop	VERB
ejge-4656	3	66	countries	country	NOUN
ejge-4656	3	67	:	:	PUNCT
ejge-4656	3	68	evidence	evidence	NOUN
ejge-4656	3	69	from	from	ADP
ejge-4656	3	70	bundling	bundle	VERB
ejge-4656	3	71	and	and	CCONJ
ejge-4656	3	72	unbundling	unbundle	VERB
ejge-4656	3	73	governance	governance	NOUN
ejge-4656	3	74	161	161	NUM
ejge-4656	3	75	-	-	SYM
ejge-4656	3	76	188	188	NUM
ejge-4656	3	77	doi	doi	NOUN
ejge-4656	3	78	:	:	PUNCT
ejge-4656	3	79	https://doi.org/10.17979/ejge.2019.8.2.4970	https://doi.org/10.17979/ejge.2019.8.2.4970	ADJ
ejge-4656	3	80	simplice	simplice	NOUN
ejge-4656	3	81	asongu	asongu	VERB
ejge-4656	3	82	the	the	DET
ejge-4656	3	83	relationship	relationship	NOUN
ejge-4656	3	84	between	between	ADP
ejge-4656	3	85	corporate	corporate	ADJ
ejge-4656	3	86	tax	tax	NOUN
ejge-4656	3	87	rate	rate	NOUN
ejge-4656	3	88	and	and	CCONJ
ejge-4656	3	89	economic	economic	ADJ
ejge-4656	3	90	growth	growth	NOUN
ejge-4656	3	91	during	during	ADP
ejge-4656	3	92	the	the	DET
ejge-4656	3	93	global	global	ADJ
ejge-4656	3	94	financial	financial	ADJ
ejge-4656	3	95	crisis	crisis	NOUN
ejge-4656	3	96	:	:	PUNCT
ejge-4656	3	97	evidence	evidence	NOUN
ejge-4656	3	98	from	from	ADP
ejge-4656	3	99	a	a	DET
ejge-4656	3	100	panel	panel	NOUN
ejge-4656	3	101	var	var	NOUN
ejge-4656	3	102	governanceand	governanceand	VERB
ejge-4656	3	103	domestic	domestic	ADJ
ejge-4656	3	104	investment	investment	NOUN
ejge-4656	3	105	in	in	ADP
ejge-4656	3	106	africa	africa	PROPN
ejge-4656	3	107	189	189	NUM
ejge-4656	3	108	-	-	SYM
ejge-4656	3	109	202	202	NUM
ejge-4656	3	110	doi	doi	NOUN
ejge-4656	3	111	:	:	PUNCT
ejge-4656	3	112	https://10.17979	https://10.17979	X
ejge-4656	3	113	/	/	SYM
ejge-4656	3	114	ejge.2019.8.2.5074	ejge.2019.8.2.5074	NOUN
ejge-4656	3	115	gamze	gamze	NOUN
ejge-4656	3	116	oz	oz	NOUN
ejge-4656	3	117	-	-	NOUN
ejge-4656	3	118	yalaman	yalaman	VERB
ejge-4656	3	119	the	the	DET
ejge-4656	3	120	impact	impact	NOUN
ejge-4656	3	121	of	of	ADP
ejge-4656	3	122	crd	crd	PROPN
ejge-4656	3	123	iv	iv	NUM
ejge-4656	3	124	on	on	ADP
ejge-4656	3	125	bank	bank	NOUN
ejge-4656	3	126	lending	lending	NOUN
ejge-4656	3	127	203	203	NUM
ejge-4656	3	128	-	-	SYM
ejge-4656	3	129	217	217	NUM
ejge-4656	3	130	doi	doi	NOUN
ejge-4656	3	131	:	:	PUNCT
ejge-4656	3	132	https://doi.org/10.17979/ejge.2019.8.2.4656	https://doi.org/10.17979/ejge.2019.8.2.4656	PRON
ejge-4656	3	133	matias	matias	PROPN
ejge-4656	3	134	huhtilainen	huhtilainen	PROPN
ejge-4656	3	135	european	european	PROPN
ejge-4656	3	136	journal	journal	PROPN
ejge-4656	3	137	of	of	ADP
ejge-4656	3	138	government	government	NOUN
ejge-4656	3	139	and	and	CCONJ
ejge-4656	3	140	economics	economic	NOUN
ejge-4656	3	141	8(2	8(2	NUM
ejge-4656	3	142	)	)	PUNCT
ejge-4656	3	143	,	,	PUNCT
ejge-4656	3	144	december	december	PROPN
ejge-4656	3	145	2019	2019	NUM
ejge-4656	3	146	,	,	PUNCT
ejge-4656	3	147	203	203	NUM
ejge-4656	3	148	-	-	SYM
ejge-4656	3	149	217	217	NUM
ejge-4656	3	150	european	european	ADJ
ejge-4656	3	151	journal	journal	NOUN
ejge-4656	3	152	of	of	ADP
ejge-4656	3	153	government	government	NOUN
ejge-4656	3	154	and	and	CCONJ
ejge-4656	3	155	economics	economic	NOUN
ejge-4656	3	156	issn	issn	PROPN
ejge-4656	3	157	:	:	PUNCT
ejge-4656	3	158	2254	2254	NUM
ejge-4656	3	159	-	-	SYM
ejge-4656	3	160	7088	7088	NUM
ejge-4656	3	161	the	the	DET
ejge-4656	3	162	impact	impact	NOUN
ejge-4656	3	163	of	of	ADP
ejge-4656	3	164	crd	crd	PROPN
ejge-4656	3	165	iv	iv	X
ejge-4656	3	166	on	on	ADP
ejge-4656	3	167	bank	bank	NOUN
ejge-4656	3	168	lending	lending	NOUN
ejge-4656	3	169	matias	matias	PROPN
ejge-4656	3	170	huhtilainena	huhtilainena	PROPN
ejge-4656	3	171	*	*	VERB
ejge-4656	3	172	a	a	DET
ejge-4656	3	173	university	university	NOUN
ejge-4656	3	174	of	of	ADP
ejge-4656	3	175	eastern	eastern	PROPN
ejge-4656	3	176	finland	finland	PROPN
ejge-4656	3	177	business	business	PROPN
ejge-4656	3	178	school	school	PROPN
ejge-4656	3	179	,	,	PUNCT
ejge-4656	3	180	finland	finland	PROPN
ejge-4656	3	181	*	*	PUNCT
ejge-4656	3	182	corresponding	correspond	VERB
ejge-4656	3	183	author	author	NOUN
ejge-4656	3	184	at	at	ADP
ejge-4656	3	185	:	:	PUNCT
ejge-4656	3	186	matias.huhtilainen@uef.fi	matias.huhtilainen@uef.fi	ADV
ejge-4656	3	187	article	article	NOUN
ejge-4656	3	188	history	history	NOUN
ejge-4656	3	189	.	.	PUNCT
ejge-4656	4	1	received	receive	VERB
ejge-4656	4	2	5	5	NUM
ejge-4656	4	3	november	november	PROPN
ejge-4656	4	4	2018	2018	NUM
ejge-4656	4	5	;	;	PUNCT
ejge-4656	4	6	first	first	ADJ
ejge-4656	4	7	revision	revision	NOUN
ejge-4656	4	8	required	require	VERB
ejge-4656	4	9	28	28	NUM
ejge-4656	4	10	may	may	PROPN
ejge-4656	4	11	2019	2019	NUM
ejge-4656	4	12	;	;	PUNCT
ejge-4656	4	13	accepted	accept	VERB
ejge-4656	4	14	12	12	NUM
ejge-4656	4	15	november	november	PROPN
ejge-4656	4	16	2019	2019	NUM
ejge-4656	4	17	.	.	PUNCT
ejge-4656	5	1	abstract	abstract	ADJ
ejge-4656	5	2	.	.	PUNCT
ejge-4656	6	1	this	this	DET
ejge-4656	6	2	study	study	NOUN
ejge-4656	6	3	addresses	address	VERB
ejge-4656	6	4	the	the	DET
ejge-4656	6	5	post	post	ADJ
ejge-4656	6	6	-	-	ADJ
ejge-4656	6	7	financial	financial	ADJ
ejge-4656	6	8	crisis	crisis	NOUN
ejge-4656	6	9	eu	eu	PROPN
ejge-4656	6	10	banking	banking	NOUN
ejge-4656	6	11	regulation	regulation	NOUN
ejge-4656	6	12	reform	reform	PROPN
ejge-4656	6	13	crd	crd	PROPN
ejge-4656	6	14	iv	iv	X
ejge-4656	6	15	.	.	PUNCT
ejge-4656	7	1	the	the	DET
ejge-4656	7	2	specific	specific	ADJ
ejge-4656	7	3	focus	focus	NOUN
ejge-4656	7	4	is	be	AUX
ejge-4656	7	5	on	on	ADP
ejge-4656	7	6	the	the	DET
ejge-4656	7	7	relationship	relationship	NOUN
ejge-4656	7	8	between	between	ADP
ejge-4656	7	9	increased	increase	VERB
ejge-4656	7	10	capital	capital	NOUN
ejge-4656	7	11	requirements	requirement	NOUN
ejge-4656	7	12	and	and	CCONJ
ejge-4656	7	13	the	the	DET
ejge-4656	7	14	subsequent	subsequent	ADJ
ejge-4656	7	15	change	change	NOUN
ejge-4656	7	16	in	in	ADP
ejge-4656	7	17	both	both	DET
ejge-4656	7	18	supply	supply	NOUN
ejge-4656	7	19	and	and	CCONJ
ejge-4656	7	20	the	the	DET
ejge-4656	7	21	price	price	NOUN
ejge-4656	7	22	of	of	ADP
ejge-4656	7	23	bank	bank	NOUN
ejge-4656	7	24	credit	credit	NOUN
ejge-4656	7	25	.	.	PUNCT
ejge-4656	8	1	this	this	DET
ejge-4656	8	2	study	study	NOUN
ejge-4656	8	3	employs	employ	VERB
ejge-4656	8	4	a	a	DET
ejge-4656	8	5	twofold	twofold	NOUN
ejge-4656	8	6	data	datum	NOUN
ejge-4656	8	7	consisting	consist	VERB
ejge-4656	8	8	of	of	ADP
ejge-4656	8	9	a	a	DET
ejge-4656	8	10	panel	panel	NOUN
ejge-4656	8	11	of	of	ADP
ejge-4656	8	12	finnish	finnish	ADJ
ejge-4656	8	13	unlisted	unlisted	ADJ
ejge-4656	8	14	savings	saving	NOUN
ejge-4656	8	15	and	and	CCONJ
ejge-4656	8	16	cooperative	cooperative	ADJ
ejge-4656	8	17	banks	bank	NOUN
ejge-4656	8	18	’	'	PUNCT
ejge-4656	8	19	key	key	ADJ
ejge-4656	8	20	figures	figure	NOUN
ejge-4656	8	21	over	over	ADP
ejge-4656	8	22	the	the	DET
ejge-4656	8	23	period	period	NOUN
ejge-4656	8	24	2002	2002	NUM
ejge-4656	8	25	-	-	SYM
ejge-4656	8	26	2018	2018	NUM
ejge-4656	8	27	and	and	CCONJ
ejge-4656	8	28	a	a	DET
ejge-4656	8	29	representative	representative	ADJ
ejge-4656	8	30	survey	survey	NOUN
ejge-4656	8	31	conducted	conduct	VERB
ejge-4656	8	32	with	with	ADP
ejge-4656	8	33	personnel	personnel	NOUN
ejge-4656	8	34	of	of	ADP
ejge-4656	8	35	finnish	finnish	ADJ
ejge-4656	8	36	institutions	institution	NOUN
ejge-4656	8	37	.	.	PUNCT
ejge-4656	9	1	in	in	ADP
ejge-4656	9	2	addition	addition	NOUN
ejge-4656	9	3	to	to	ADP
ejge-4656	9	4	the	the	DET
ejge-4656	9	5	consistent	consistent	ADJ
ejge-4656	9	6	finding	finding	NOUN
ejge-4656	9	7	in	in	ADP
ejge-4656	9	8	regards	regard	NOUN
ejge-4656	9	9	to	to	ADP
ejge-4656	9	10	the	the	DET
ejge-4656	9	11	effect	effect	NOUN
ejge-4656	9	12	of	of	ADP
ejge-4656	9	13	bank	bank	NOUN
ejge-4656	9	14	profitability	profitability	NOUN
ejge-4656	9	15	as	as	ADV
ejge-4656	9	16	well	well	ADV
ejge-4656	9	17	as	as	ADP
ejge-4656	9	18	fairly	fairly	ADV
ejge-4656	9	19	consistent	consistent	ADJ
ejge-4656	9	20	findings	finding	NOUN
ejge-4656	9	21	in	in	ADP
ejge-4656	9	22	regards	regard	NOUN
ejge-4656	9	23	to	to	ADP
ejge-4656	9	24	the	the	DET
ejge-4656	9	25	effect	effect	NOUN
ejge-4656	9	26	of	of	ADP
ejge-4656	9	27	bank	bank	NOUN
ejge-4656	9	28	size	size	NOUN
ejge-4656	9	29	and	and	CCONJ
ejge-4656	9	30	gdp	gdp	NOUN
ejge-4656	9	31	growth	growth	NOUN
ejge-4656	9	32	,	,	PUNCT
ejge-4656	9	33	the	the	DET
ejge-4656	9	34	key	key	ADJ
ejge-4656	9	35	finding	finding	NOUN
ejge-4656	9	36	suggests	suggest	VERB
ejge-4656	9	37	a	a	DET
ejge-4656	9	38	slight	slight	ADJ
ejge-4656	9	39	decrease	decrease	NOUN
ejge-4656	9	40	in	in	ADP
ejge-4656	9	41	loan	loan	NOUN
ejge-4656	9	42	supply	supply	NOUN
ejge-4656	9	43	under	under	ADP
ejge-4656	9	44	the	the	DET
ejge-4656	9	45	crd	crd	PROPN
ejge-4656	9	46	iv	iv	X
ejge-4656	9	47	.	.	PUNCT
ejge-4656	10	1	keywords	keyword	NOUN
ejge-4656	10	2	.	.	PUNCT
ejge-4656	11	1	basel	basel	PROPN
ejge-4656	11	2	iii	iii	PROPN
ejge-4656	11	3	;	;	PUNCT
ejge-4656	11	4	capital	capital	NOUN
ejge-4656	11	5	requirements	requirement	NOUN
ejge-4656	11	6	;	;	PUNCT
ejge-4656	11	7	crd	crd	PROPN
ejge-4656	11	8	iv	iv	NUM
ejge-4656	11	9	;	;	PUNCT
ejge-4656	11	10	lending	lending	NOUN
ejge-4656	11	11	jel	jel	PROPN
ejge-4656	11	12	codes	code	NOUN
ejge-4656	11	13	.	.	PUNCT
ejge-4656	12	1	g28	g28	NOUN
ejge-4656	12	2	;	;	PUNCT
ejge-4656	12	3	g21	g21	PROPN
ejge-4656	12	4	;	;	PUNCT
ejge-4656	12	5	k22	k22	NOUN
ejge-4656	12	6	doi	doi	NOUN
ejge-4656	12	7	.	.	PUNCT
ejge-4656	13	1	https://doi.org/10.17979/ejge.2019.8.2.4656	https://doi.org/10.17979/ejge.2019.8.2.4656	PRON
ejge-4656	13	2	1	1	NUM
ejge-4656	13	3	.	.	X
ejge-4656	14	1	introduction	introduction	NOUN
ejge-4656	14	2	the	the	DET
ejge-4656	14	3	somewhat	somewhat	ADV
ejge-4656	14	4	informal	informal	ADJ
ejge-4656	14	5	group	group	NOUN
ejge-4656	14	6	of	of	ADP
ejge-4656	14	7	regulators	regulator	NOUN
ejge-4656	14	8	and	and	CCONJ
ejge-4656	14	9	central	central	ADJ
ejge-4656	14	10	bankers	banker	NOUN
ejge-4656	14	11	that	that	PRON
ejge-4656	14	12	had	have	AUX
ejge-4656	14	13	been	be	AUX
ejge-4656	14	14	collaborating	collaborate	VERB
ejge-4656	14	15	prior	prior	ADV
ejge-4656	14	16	to	to	ADP
ejge-4656	14	17	the	the	DET
ejge-4656	14	18	2008	2008	NUM
ejge-4656	14	19	financial	financial	ADJ
ejge-4656	14	20	crisis	crisis	NOUN
ejge-4656	14	21	,	,	PUNCT
ejge-4656	14	22	became	become	VERB
ejge-4656	14	23	more	more	ADV
ejge-4656	14	24	formal	formal	ADJ
ejge-4656	14	25	after	after	ADP
ejge-4656	14	26	the	the	DET
ejge-4656	14	27	establishment	establishment	NOUN
ejge-4656	14	28	of	of	ADP
ejge-4656	14	29	the	the	DET
ejge-4656	14	30	financial	financial	ADJ
ejge-4656	14	31	stability	stability	PROPN
ejge-4656	14	32	board	board	NOUN
ejge-4656	14	33	(	(	PUNCT
ejge-4656	14	34	fsb	fsb	NOUN
ejge-4656	14	35	)	)	PUNCT
ejge-4656	14	36	in	in	ADP
ejge-4656	14	37	2009	2009	NUM
ejge-4656	14	38	.	.	PUNCT
ejge-4656	15	1	the	the	DET
ejge-4656	15	2	fsb	fsb	NOUN
ejge-4656	15	3	was	be	AUX
ejge-4656	15	4	handed	hand	VERB
ejge-4656	15	5	the	the	DET
ejge-4656	15	6	responsibility	responsibility	NOUN
ejge-4656	15	7	to	to	PART
ejge-4656	15	8	coordinate	coordinate	VERB
ejge-4656	15	9	the	the	DET
ejge-4656	15	10	work	work	NOUN
ejge-4656	15	11	at	at	ADP
ejge-4656	15	12	the	the	DET
ejge-4656	15	13	international	international	ADJ
ejge-4656	15	14	level	level	NOUN
ejge-4656	15	15	and	and	CCONJ
ejge-4656	15	16	together	together	ADV
ejge-4656	15	17	with	with	ADP
ejge-4656	15	18	the	the	DET
ejge-4656	15	19	basel	basel	PROPN
ejge-4656	15	20	committee	committee	PROPN
ejge-4656	15	21	on	on	ADP
ejge-4656	15	22	banking	banking	NOUN
ejge-4656	15	23	supervision	supervision	NOUN
ejge-4656	15	24	(	(	PUNCT
ejge-4656	15	25	bcbs	bcbs	PROPN
ejge-4656	15	26	)	)	PUNCT
ejge-4656	15	27	,	,	PUNCT
ejge-4656	15	28	they	they	PRON
ejge-4656	15	29	prepared	prepare	VERB
ejge-4656	15	30	the	the	DET
ejge-4656	15	31	first	first	ADJ
ejge-4656	15	32	draft	draft	NOUN
ejge-4656	15	33	of	of	ADP
ejge-4656	15	34	the	the	DET
ejge-4656	15	35	basel	basel	PROPN
ejge-4656	15	36	iii	iii	PROPN
ejge-4656	15	37	rules	rule	NOUN
ejge-4656	15	38	.	.	PUNCT
ejge-4656	16	1	the	the	DET
ejge-4656	16	2	draft	draft	NOUN
ejge-4656	16	3	was	be	AUX
ejge-4656	16	4	first	first	ADV
ejge-4656	16	5	endorsed	endorse	VERB
ejge-4656	16	6	by	by	ADP
ejge-4656	16	7	the	the	DET
ejge-4656	16	8	group	group	NOUN
ejge-4656	16	9	of	of	ADP
ejge-4656	16	10	20	20	NUM
ejge-4656	16	11	in	in	ADP
ejge-4656	16	12	november	november	PROPN
ejge-4656	16	13	2010	2010	NUM
ejge-4656	16	14	and	and	CCONJ
ejge-4656	16	15	then	then	ADV
ejge-4656	16	16	finalized	finalize	VERB
ejge-4656	16	17	later	later	ADV
ejge-4656	16	18	in	in	ADP
ejge-4656	16	19	december	december	PROPN
ejge-4656	16	20	(	(	PUNCT
ejge-4656	16	21	howarth	howarth	PROPN
ejge-4656	16	22	&	&	CCONJ
ejge-4656	16	23	quaglia	quaglia	PROPN
ejge-4656	16	24	,	,	PUNCT
ejge-4656	16	25	2016	2016	NUM
ejge-4656	16	26	;	;	PUNCT
ejge-4656	16	27	walker	walker	NOUN
ejge-4656	16	28	,	,	PUNCT
ejge-4656	16	29	2011	2011	NUM
ejge-4656	16	30	)	)	PUNCT
ejge-4656	16	31	.	.	PUNCT
ejge-4656	17	1	basel	basel	PROPN
ejge-4656	17	2	iii	iii	PROPN
ejge-4656	17	3	effectively	effectively	ADV
ejge-4656	17	4	imposes	impose	VERB
ejge-4656	17	5	minimum	minimum	ADJ
ejge-4656	17	6	standards	standard	NOUN
ejge-4656	17	7	for	for	ADP
ejge-4656	17	8	capital	capital	NOUN
ejge-4656	17	9	requirements	requirement	NOUN
ejge-4656	17	10	,	,	PUNCT
ejge-4656	17	11	supervision	supervision	NOUN
ejge-4656	17	12	and	and	CCONJ
ejge-4656	17	13	market	market	NOUN
ejge-4656	17	14	discipline	discipline	NOUN
ejge-4656	17	15	in	in	ADP
ejge-4656	17	16	order	order	NOUN
ejge-4656	17	17	to	to	PART
ejge-4656	17	18	provide	provide	VERB
ejge-4656	17	19	“	"	PUNCT
ejge-4656	17	20	a	a	DET
ejge-4656	17	21	foundation	foundation	NOUN
ejge-4656	17	22	for	for	ADP
ejge-4656	17	23	a	a	DET
ejge-4656	17	24	resilient	resilient	ADJ
ejge-4656	17	25	banking	banking	NOUN
ejge-4656	17	26	system	system	NOUN
ejge-4656	17	27	that	that	PRON
ejge-4656	17	28	will	will	AUX
ejge-4656	17	29	help	help	VERB
ejge-4656	17	30	avoid	avoid	VERB
ejge-4656	17	31	the	the	DET
ejge-4656	17	32	build	build	NOUN
ejge-4656	17	33	-	-	PUNCT
ejge-4656	17	34	up	up	NOUN
ejge-4656	17	35	of	of	ADP
ejge-4656	17	36	systemic	systemic	ADJ
ejge-4656	17	37	vulnerabilities	vulnerability	NOUN
ejge-4656	17	38	”	"	PUNCT
ejge-4656	17	39	.	.	PUNCT
ejge-4656	18	1	(	(	PUNCT
ejge-4656	18	2	bank	bank	NOUN
ejge-4656	18	3	of	of	ADP
ejge-4656	18	4	international	international	ADJ
ejge-4656	18	5	settlements	settlement	NOUN
ejge-4656	18	6	,	,	PUNCT
ejge-4656	18	7	2017	2017	NUM
ejge-4656	18	8	)	)	PUNCT
ejge-4656	18	9	.	.	PUNCT
ejge-4656	19	1	the	the	DET
ejge-4656	19	2	european	european	PROPN
ejge-4656	19	3	union	union	PROPN
ejge-4656	19	4	has	have	AUX
ejge-4656	19	5	participated	participate	VERB
ejge-4656	19	6	in	in	ADP
ejge-4656	19	7	and	and	CCONJ
ejge-4656	19	8	advocated	advocate	VERB
ejge-4656	19	9	the	the	DET
ejge-4656	19	10	regulatory	regulatory	ADJ
ejge-4656	19	11	reform	reform	NOUN
ejge-4656	19	12	.	.	PUNCT
ejge-4656	20	1	in	in	ADP
ejge-4656	20	2	consequence	consequence	NOUN
ejge-4656	20	3	,	,	PUNCT
ejge-4656	20	4	the	the	DET
ejge-4656	20	5	eu	eu	PROPN
ejge-4656	20	6	implemented	implement	VERB
ejge-4656	20	7	the	the	DET
ejge-4656	20	8	basel	basel	PROPN
ejge-4656	20	9	iii	iii	PROPN
ejge-4656	20	10	framework	framework	NOUN
ejge-4656	20	11	into	into	ADP
ejge-4656	20	12	the	the	DET
ejge-4656	20	13	eu	eu	PROPN
ejge-4656	20	14	legislation	legislation	NOUN
ejge-4656	20	15	through	through	ADP
ejge-4656	20	16	capital	capital	NOUN
ejge-4656	20	17	requirements	requirement	NOUN
ejge-4656	20	18	directive	directive	NOUN
ejge-4656	20	19	2013/36	2013/36	NUM
ejge-4656	20	20	/	/	SYM
ejge-4656	20	21	eu	eu	PROPN
ejge-4656	20	22	and	and	CCONJ
ejge-4656	20	23	the	the	DET
ejge-4656	20	24	capital	capital	NOUN
ejge-4656	20	25	requirements	requirement	NOUN
ejge-4656	20	26	regulation	regulation	NOUN
ejge-4656	20	27	(	(	PUNCT
ejge-4656	20	28	eu	eu	NOUN
ejge-4656	20	29	)	)	PUNCT
ejge-4656	20	30	no	no	DET
ejge-4656	20	31	575/2013	575/2013	NUM
ejge-4656	20	32	.	.	PUNCT
ejge-4656	21	1	together	together	ADV
ejge-4656	21	2	they	they	PRON
ejge-4656	21	3	form	form	VERB
ejge-4656	21	4	a	a	DET
ejge-4656	21	5	regulatory	regulatory	ADJ
ejge-4656	21	6	package	package	NOUN
ejge-4656	21	7	known	know	VERB
ejge-4656	21	8	as	as	ADP
ejge-4656	21	9	crd	crd	PROPN
ejge-4656	21	10	iv	iv	NUM
ejge-4656	21	11	,	,	PUNCT
ejge-4656	21	12	which	which	PRON
ejge-4656	21	13	replaced	replace	VERB
ejge-4656	21	14	the	the	DET
ejge-4656	21	15	former	former	ADJ
ejge-4656	21	16	directives	directive	NOUN
ejge-4656	21	17	2006/48	2006/48	NUM
ejge-4656	21	18	/	/	SYM
ejge-4656	21	19	ec	ec	PROPN
ejge-4656	21	20	and	and	CCONJ
ejge-4656	21	21	2006/49	2006/49	NUM
ejge-4656	21	22	/	/	SYM
ejge-4656	21	23	ec	ec	PROPN
ejge-4656	21	24	.	.	PUNCT
ejge-4656	22	1	the	the	DET
ejge-4656	22	2	provisions	provision	NOUN
ejge-4656	22	3	have	have	AUX
ejge-4656	22	4	applied	apply	VERB
ejge-4656	22	5	to	to	ADP
ejge-4656	22	6	institutions	institution	NOUN
ejge-4656	22	7	since	since	SCONJ
ejge-4656	22	8	1	1	NUM
ejge-4656	22	9	january	january	NOUN
ejge-4656	22	10	2014	2014	NUM
ejge-4656	22	11	,	,	PUNCT
ejge-4656	22	12	though	though	SCONJ
ejge-4656	22	13	the	the	DET
ejge-4656	22	14	scheduled	schedule	VERB
ejge-4656	22	15	implementation	implementation	NOUN
ejge-4656	22	16	phase	phase	NOUN
ejge-4656	22	17	-	-	PUNCT
ejge-4656	22	18	in	in	ADP
ejge-4656	22	19	period	period	NOUN
ejge-4656	22	20	extends	extend	VERB
ejge-4656	22	21	to	to	ADP
ejge-4656	22	22	2019	2019	NUM
ejge-4656	22	23	.	.	PUNCT
ejge-4656	23	1	as	as	SCONJ
ejge-4656	23	2	basel	basel	PROPN
ejge-4656	23	3	iii	iii	PROPN
ejge-4656	23	4	rules	rule	NOUN
ejge-4656	23	5	are	be	AUX
ejge-4656	23	6	,	,	PUNCT
ejge-4656	23	7	in	in	ADP
ejge-4656	23	8	essence	essence	NOUN
ejge-4656	23	9	,	,	PUNCT
ejge-4656	23	10	internationally	internationally	ADV
ejge-4656	23	11	-	-	PUNCT
ejge-4656	23	12	agreed	agree	VERB
ejge-4656	23	13	industry	industry	NOUN
ejge-4656	23	14	standards	standard	NOUN
ejge-4656	23	15	,	,	PUNCT
ejge-4656	23	16	they	they	PRON
ejge-4656	23	17	rather	rather	ADV
ejge-4656	23	18	provide	provide	VERB
ejge-4656	23	19	a	a	DET
ejge-4656	23	20	basis	basis	NOUN
ejge-4656	23	21	on	on	ADP
ejge-4656	23	22	which	which	PRON
ejge-4656	23	23	the	the	DET
ejge-4656	23	24	eu	eu	PROPN
ejge-4656	23	25	is	be	AUX
ejge-4656	23	26	building	build	VERB
ejge-4656	23	27	its	its	PRON
ejge-4656	23	28	own	own	ADJ
ejge-4656	23	29	regulatory	regulatory	ADJ
ejge-4656	23	30	and	and	CCONJ
ejge-4656	23	31	supervisory	supervisory	ADJ
ejge-4656	23	32	infrastructure	infrastructure	NOUN
ejge-4656	23	33	.	.	PUNCT
ejge-4656	24	1	through	through	ADP
ejge-4656	24	2	single	single	ADJ
ejge-4656	24	3	rulebook	rulebook	NOUN
ejge-4656	24	4	,	,	PUNCT
ejge-4656	24	5	the	the	DET
ejge-4656	24	6	eu	eu	PROPN
ejge-4656	24	7	seeks	seek	VERB
ejge-4656	24	8	to	to	PART
ejge-4656	24	9	facilitate	facilitate	VERB
ejge-4656	24	10	banking	banking	NOUN
ejge-4656	24	11	sector	sector	NOUN
ejge-4656	24	12	consolidation	consolidation	NOUN
ejge-4656	24	13	,	,	PUNCT
ejge-4656	24	14	increase	increase	VERB
ejge-4656	24	15	transparency	transparency	NOUN
ejge-4656	24	16	m.	m.	NOUN
ejge-4656	24	17	huhtilainen	huhtilainen	PROPN
ejge-4656	24	18	/	/	SYM
ejge-4656	24	19	european	european	PROPN
ejge-4656	24	20	journal	journal	PROPN
ejge-4656	24	21	of	of	ADP
ejge-4656	24	22	government	government	NOUN
ejge-4656	24	23	and	and	CCONJ
ejge-4656	24	24	economics	economic	NOUN
ejge-4656	24	25	8(2	8(2	NUM
ejge-4656	24	26	)	)	PUNCT
ejge-4656	24	27	,	,	PUNCT
ejge-4656	24	28	december	december	PROPN
ejge-4656	24	29	2019	2019	NUM
ejge-4656	24	30	,	,	PUNCT
ejge-4656	24	31	203	203	NUM
ejge-4656	24	32	-	-	SYM
ejge-4656	24	33	217	217	NUM
ejge-4656	24	34	204	204	NUM
ejge-4656	24	35	    	    	SPACE
ejge-4656	24	36	and	and	CCONJ
ejge-4656	24	37	enhance	enhance	VERB
ejge-4656	24	38	cross	cross	ADJ
ejge-4656	24	39	-	-	ADJ
ejge-4656	24	40	border	border	ADJ
ejge-4656	24	41	activity	activity	NOUN
ejge-4656	24	42	in	in	ADP
ejge-4656	24	43	order	order	NOUN
ejge-4656	24	44	to	to	PART
ejge-4656	24	45	expand	expand	VERB
ejge-4656	24	46	financing	financing	NOUN
ejge-4656	24	47	capabilities	capability	NOUN
ejge-4656	24	48	and	and	CCONJ
ejge-4656	24	49	reduce	reduce	VERB
ejge-4656	24	50	intermediation	intermediation	NOUN
ejge-4656	24	51	costs	cost	NOUN
ejge-4656	24	52	.	.	PUNCT
ejge-4656	25	1	the	the	DET
ejge-4656	25	2	european	european	PROPN
ejge-4656	25	3	commission	commission	PROPN
ejge-4656	25	4	(	(	PUNCT
ejge-4656	25	5	2016	2016	NUM
ejge-4656	25	6	)	)	PUNCT
ejge-4656	25	7	has	have	AUX
ejge-4656	25	8	depicted	depict	VERB
ejge-4656	25	9	deeper	deep	ADJ
ejge-4656	25	10	integration	integration	NOUN
ejge-4656	25	11	to	to	PART
ejge-4656	25	12	be	be	AUX
ejge-4656	25	13	a	a	DET
ejge-4656	25	14	necessary	necessary	ADJ
ejge-4656	25	15	action	action	NOUN
ejge-4656	25	16	to	to	PART
ejge-4656	25	17	restore	restore	VERB
ejge-4656	25	18	market	market	NOUN
ejge-4656	25	19	confidence	confidence	NOUN
ejge-4656	25	20	and	and	CCONJ
ejge-4656	25	21	solve	solve	VERB
ejge-4656	25	22	those	those	DET
ejge-4656	25	23	shortcomings	shortcoming	NOUN
ejge-4656	25	24	that	that	PRON
ejge-4656	25	25	were	be	AUX
ejge-4656	25	26	first	first	ADV
ejge-4656	25	27	exposed	expose	VERB
ejge-4656	25	28	by	by	ADP
ejge-4656	25	29	the	the	DET
ejge-4656	25	30	financial	financial	ADJ
ejge-4656	25	31	crisis	crisis	NOUN
ejge-4656	25	32	and	and	CCONJ
ejge-4656	25	33	then	then	ADV
ejge-4656	25	34	by	by	ADP
ejge-4656	25	35	the	the	DET
ejge-4656	25	36	subsequent	subsequent	ADJ
ejge-4656	25	37	euro	euro	PROPN
ejge-4656	25	38	area	area	NOUN
ejge-4656	25	39	debt	debt	NOUN
ejge-4656	25	40	problem	problem	NOUN
ejge-4656	25	41	.	.	PUNCT
ejge-4656	26	1	meanwhile	meanwhile	ADV
ejge-4656	26	2	,	,	PUNCT
ejge-4656	26	3	the	the	DET
ejge-4656	26	4	ec	ec	PROPN
ejge-4656	26	5	(	(	PUNCT
ejge-4656	26	6	2016	2016	NUM
ejge-4656	26	7	)	)	PUNCT
ejge-4656	26	8	has	have	AUX
ejge-4656	26	9	also	also	ADV
ejge-4656	26	10	urged	urge	VERB
ejge-4656	26	11	that	that	SCONJ
ejge-4656	26	12	stability	stability	NOUN
ejge-4656	26	13	should	should	AUX
ejge-4656	26	14	not	not	PART
ejge-4656	26	15	come	come	VERB
ejge-4656	26	16	with	with	ADP
ejge-4656	26	17	the	the	DET
ejge-4656	26	18	price	price	NOUN
ejge-4656	26	19	of	of	ADP
ejge-4656	26	20	economic	economic	ADJ
ejge-4656	26	21	stagnation	stagnation	NOUN
ejge-4656	26	22	.	.	PUNCT
ejge-4656	27	1	instead	instead	ADV
ejge-4656	27	2	,	,	PUNCT
ejge-4656	27	3	the	the	DET
ejge-4656	27	4	regulatory	regulatory	ADJ
ejge-4656	27	5	objectives	objective	NOUN
ejge-4656	27	6	need	need	VERB
ejge-4656	27	7	to	to	PART
ejge-4656	27	8	be	be	AUX
ejge-4656	27	9	achieved	achieve	VERB
ejge-4656	27	10	in	in	ADP
ejge-4656	27	11	a	a	DET
ejge-4656	27	12	way	way	NOUN
ejge-4656	27	13	that	that	PRON
ejge-4656	27	14	is	be	AUX
ejge-4656	27	15	fully	fully	ADV
ejge-4656	27	16	supportive	supportive	ADJ
ejge-4656	27	17	of	of	ADP
ejge-4656	27	18	the	the	DET
ejge-4656	27	19	ongoing	ongoing	ADJ
ejge-4656	27	20	recovery	recovery	NOUN
ejge-4656	27	21	in	in	ADP
ejge-4656	27	22	the	the	DET
ejge-4656	27	23	eu	eu	PROPN
ejge-4656	27	24	.	.	PUNCT
ejge-4656	28	1	the	the	DET
ejge-4656	28	2	ec	ec	PROPN
ejge-4656	28	3	further	far	ADV
ejge-4656	28	4	noted	note	VERB
ejge-4656	28	5	that	that	SCONJ
ejge-4656	28	6	despite	despite	SCONJ
ejge-4656	28	7	technological	technological	ADJ
ejge-4656	28	8	disruption	disruption	NOUN
ejge-4656	28	9	within	within	ADP
ejge-4656	28	10	the	the	DET
ejge-4656	28	11	lending	lending	NOUN
ejge-4656	28	12	business	business	NOUN
ejge-4656	28	13	,	,	PUNCT
ejge-4656	28	14	banks	bank	NOUN
ejge-4656	28	15	continue	continue	VERB
ejge-4656	28	16	to	to	PART
ejge-4656	28	17	act	act	VERB
ejge-4656	28	18	as	as	ADP
ejge-4656	28	19	the	the	DET
ejge-4656	28	20	key	key	ADJ
ejge-4656	28	21	source	source	NOUN
ejge-4656	28	22	of	of	ADP
ejge-4656	28	23	funding	funding	NOUN
ejge-4656	28	24	for	for	ADP
ejge-4656	28	25	businesses	business	NOUN
ejge-4656	28	26	and	and	CCONJ
ejge-4656	28	27	households	household	NOUN
ejge-4656	28	28	.	.	PUNCT
ejge-4656	29	1	for	for	SCONJ
ejge-4656	29	2	banks	bank	NOUN
ejge-4656	29	3	to	to	PART
ejge-4656	29	4	serve	serve	VERB
ejge-4656	29	5	this	this	DET
ejge-4656	29	6	function	function	NOUN
ejge-4656	29	7	,	,	PUNCT
ejge-4656	29	8	the	the	DET
ejge-4656	29	9	regulatory	regulatory	ADJ
ejge-4656	29	10	environment	environment	NOUN
ejge-4656	29	11	should	should	AUX
ejge-4656	29	12	in	in	ADP
ejge-4656	29	13	a	a	DET
ejge-4656	29	14	proportionate	proportionate	ADJ
ejge-4656	29	15	manner	manner	NOUN
ejge-4656	29	16	consider	consider	VERB
ejge-4656	29	17	banks	bank	NOUN
ejge-4656	29	18	'	'	PART
ejge-4656	29	19	complexity	complexity	NOUN
ejge-4656	29	20	,	,	PUNCT
ejge-4656	29	21	size	size	NOUN
ejge-4656	29	22	,	,	PUNCT
ejge-4656	29	23	business	business	NOUN
ejge-4656	29	24	profile	profile	NOUN
ejge-4656	29	25	and	and	CCONJ
ejge-4656	29	26	specificities	specificity	NOUN
ejge-4656	29	27	.	.	PUNCT
ejge-4656	30	1	in	in	ADP
ejge-4656	30	2	accordance	accordance	NOUN
ejge-4656	30	3	,	,	PUNCT
ejge-4656	30	4	the	the	DET
ejge-4656	30	5	purpose	purpose	NOUN
ejge-4656	30	6	of	of	ADP
ejge-4656	30	7	this	this	DET
ejge-4656	30	8	study	study	NOUN
ejge-4656	30	9	is	be	AUX
ejge-4656	30	10	to	to	PART
ejge-4656	30	11	analyze	analyze	VERB
ejge-4656	30	12	the	the	DET
ejge-4656	30	13	impact	impact	NOUN
ejge-4656	30	14	of	of	ADP
ejge-4656	30	15	the	the	DET
ejge-4656	30	16	renewed	renew	VERB
ejge-4656	30	17	eu	eu	PROPN
ejge-4656	30	18	capital	capital	NOUN
ejge-4656	30	19	requirements	requirement	NOUN
ejge-4656	30	20	on	on	ADP
ejge-4656	30	21	bank	bank	NOUN
ejge-4656	30	22	lending	lending	NOUN
ejge-4656	30	23	in	in	ADP
ejge-4656	30	24	the	the	DET
ejge-4656	30	25	context	context	NOUN
ejge-4656	30	26	of	of	ADP
ejge-4656	30	27	the	the	DET
ejge-4656	30	28	finnish	finnish	ADJ
ejge-4656	30	29	banking	banking	NOUN
ejge-4656	30	30	sector	sector	NOUN
ejge-4656	30	31	.	.	PUNCT
ejge-4656	31	1	the	the	DET
ejge-4656	31	2	empirical	empirical	ADJ
ejge-4656	31	3	strategy	strategy	NOUN
ejge-4656	31	4	relies	rely	VERB
ejge-4656	31	5	on	on	ADP
ejge-4656	31	6	a	a	DET
ejge-4656	31	7	twofold	twofold	NOUN
ejge-4656	31	8	data	datum	NOUN
ejge-4656	31	9	,	,	PUNCT
ejge-4656	31	10	and	and	CCONJ
ejge-4656	31	11	the	the	DET
ejge-4656	31	12	specific	specific	ADJ
ejge-4656	31	13	aim	aim	NOUN
ejge-4656	31	14	of	of	ADP
ejge-4656	31	15	this	this	DET
ejge-4656	31	16	study	study	NOUN
ejge-4656	31	17	is	be	AUX
ejge-4656	31	18	provided	provide	VERB
ejge-4656	31	19	by	by	ADP
ejge-4656	31	20	the	the	DET
ejge-4656	31	21	following	follow	VERB
ejge-4656	31	22	research	research	NOUN
ejge-4656	31	23	problems	problem	NOUN
ejge-4656	31	24	:	:	PUNCT
ejge-4656	32	1	1	1	X
ejge-4656	32	2	.	.	X
ejge-4656	32	3	the	the	DET
ejge-4656	32	4	relationship	relationship	NOUN
ejge-4656	32	5	between	between	ADP
ejge-4656	32	6	increased	increase	VERB
ejge-4656	32	7	capital	capital	NOUN
ejge-4656	32	8	requirements	requirement	NOUN
ejge-4656	32	9	and	and	CCONJ
ejge-4656	32	10	the	the	DET
ejge-4656	32	11	corresponding	correspond	VERB
ejge-4656	32	12	change	change	NOUN
ejge-4656	32	13	in	in	ADP
ejge-4656	32	14	credit	credit	NOUN
ejge-4656	32	15	supply	supply	NOUN
ejge-4656	32	16	.	.	PUNCT
ejge-4656	33	1	2	2	X
ejge-4656	33	2	.	.	X
ejge-4656	33	3	the	the	DET
ejge-4656	33	4	relationship	relationship	NOUN
ejge-4656	33	5	between	between	ADP
ejge-4656	33	6	increased	increase	VERB
ejge-4656	33	7	capital	capital	NOUN
ejge-4656	33	8	requirements	requirement	NOUN
ejge-4656	33	9	and	and	CCONJ
ejge-4656	33	10	the	the	DET
ejge-4656	33	11	corresponding	correspond	VERB
ejge-4656	33	12	change	change	NOUN
ejge-4656	33	13	in	in	ADP
ejge-4656	33	14	price	price	NOUN
ejge-4656	33	15	of	of	ADP
ejge-4656	33	16	credit	credit	NOUN
ejge-4656	33	17	.	.	PUNCT
ejge-4656	34	1	the	the	DET
ejge-4656	34	2	paper	paper	NOUN
ejge-4656	34	3	is	be	AUX
ejge-4656	34	4	structured	structure	VERB
ejge-4656	34	5	as	as	SCONJ
ejge-4656	34	6	follows	follow	VERB
ejge-4656	34	7	.	.	PUNCT
ejge-4656	35	1	the	the	DET
ejge-4656	35	2	next	next	ADJ
ejge-4656	35	3	chapter	chapter	NOUN
ejge-4656	35	4	introduces	introduce	VERB
ejge-4656	35	5	the	the	DET
ejge-4656	35	6	main	main	ADJ
ejge-4656	35	7	elements	element	NOUN
ejge-4656	35	8	of	of	ADP
ejge-4656	35	9	capital	capital	NOUN
ejge-4656	35	10	requirements	requirement	NOUN
ejge-4656	35	11	under	under	ADP
ejge-4656	35	12	the	the	DET
ejge-4656	35	13	crd	crd	NOUN
ejge-4656	35	14	iv	iv	NUM
ejge-4656	35	15	regulation	regulation	NOUN
ejge-4656	35	16	.	.	PUNCT
ejge-4656	36	1	datasets	dataset	NOUN
ejge-4656	36	2	and	and	CCONJ
ejge-4656	36	3	methods	method	NOUN
ejge-4656	36	4	are	be	AUX
ejge-4656	36	5	described	describe	VERB
ejge-4656	36	6	in	in	ADP
ejge-4656	36	7	more	more	ADJ
ejge-4656	36	8	detail	detail	NOUN
ejge-4656	36	9	in	in	ADP
ejge-4656	36	10	chapter	chapter	NOUN
ejge-4656	36	11	3	3	NUM
ejge-4656	36	12	.	.	PUNCT
ejge-4656	37	1	results	result	NOUN
ejge-4656	37	2	are	be	AUX
ejge-4656	37	3	reported	report	VERB
ejge-4656	37	4	and	and	CCONJ
ejge-4656	37	5	discussed	discuss	VERB
ejge-4656	37	6	in	in	ADP
ejge-4656	37	7	chapter	chapter	NOUN
ejge-4656	37	8	4	4	NUM
ejge-4656	37	9	,	,	PUNCT
ejge-4656	37	10	after	after	ADP
ejge-4656	37	11	which	which	PRON
ejge-4656	37	12	the	the	DET
ejge-4656	37	13	paper	paper	NOUN
ejge-4656	37	14	is	be	AUX
ejge-4656	37	15	concluded	conclude	VERB
ejge-4656	37	16	in	in	ADP
ejge-4656	37	17	chapter	chapter	NOUN
ejge-4656	37	18	5	5	NUM
ejge-4656	37	19	.	.	NOUN
ejge-4656	38	1	2	2	NUM
ejge-4656	38	2	.	.	X
ejge-4656	38	3	the	the	DET
ejge-4656	38	4	eu	eu	PROPN
ejge-4656	38	5	capital	capital	PROPN
ejge-4656	38	6	rules	rule	NOUN
ejge-4656	38	7	revisited	revisit	VERB
ejge-4656	38	8	crd	crd	PROPN
ejge-4656	38	9	iv	iv	NUM
ejge-4656	38	10	imposes	impose	VERB
ejge-4656	38	11	general	general	ADJ
ejge-4656	38	12	requirements	requirement	NOUN
ejge-4656	38	13	regarding	regard	VERB
ejge-4656	38	14	the	the	DET
ejge-4656	38	15	quality	quality	NOUN
ejge-4656	38	16	and	and	CCONJ
ejge-4656	38	17	the	the	DET
ejge-4656	38	18	minimum	minimum	ADJ
ejge-4656	38	19	level	level	NOUN
ejge-4656	38	20	of	of	ADP
ejge-4656	38	21	capital	capital	NOUN
ejge-4656	38	22	.	.	PUNCT
ejge-4656	39	1	as	as	SCONJ
ejge-4656	39	2	reflected	reflect	VERB
ejge-4656	39	3	by	by	ADP
ejge-4656	39	4	table	table	NOUN
ejge-4656	39	5	1	1	NUM
ejge-4656	39	6	,	,	PUNCT
ejge-4656	39	7	the	the	DET
ejge-4656	39	8	qualitative	qualitative	ADJ
ejge-4656	39	9	approach	approach	NOUN
ejge-4656	39	10	allocates	allocate	VERB
ejge-4656	39	11	capital	capital	NOUN
ejge-4656	39	12	into	into	ADP
ejge-4656	39	13	different	different	ADJ
ejge-4656	39	14	layers	layer	NOUN
ejge-4656	39	15	in	in	ADP
ejge-4656	39	16	order	order	NOUN
ejge-4656	39	17	to	to	PART
ejge-4656	39	18	reflect	reflect	VERB
ejge-4656	39	19	differences	difference	NOUN
ejge-4656	39	20	in	in	ADP
ejge-4656	39	21	sustainability	sustainability	NOUN
ejge-4656	39	22	,	,	PUNCT
ejge-4656	39	23	liquidity	liquidity	NOUN
ejge-4656	39	24	and	and	CCONJ
ejge-4656	39	25	predictability	predictability	NOUN
ejge-4656	39	26	between	between	ADP
ejge-4656	39	27	different	different	ADJ
ejge-4656	39	28	asset	asset	NOUN
ejge-4656	39	29	classes	class	NOUN
ejge-4656	39	30	.	.	PUNCT
ejge-4656	40	1	consequently	consequently	ADV
ejge-4656	40	2	,	,	PUNCT
ejge-4656	40	3	the	the	DET
ejge-4656	40	4	two	two	NUM
ejge-4656	40	5	main	main	ADJ
ejge-4656	40	6	components	component	NOUN
ejge-4656	40	7	are	be	AUX
ejge-4656	40	8	tier	tier	NOUN
ejge-4656	40	9	1	1	NUM
ejge-4656	40	10	and	and	CCONJ
ejge-4656	40	11	tier	tier	NOUN
ejge-4656	40	12	2	2	NUM
ejge-4656	40	13	.	.	PUNCT
ejge-4656	41	1	the	the	DET
ejge-4656	41	2	preferred	prefer	VERB
ejge-4656	41	3	component	component	NOUN
ejge-4656	41	4	tier	tier	NOUN
ejge-4656	41	5	1	1	NUM
ejge-4656	41	6	is	be	AUX
ejge-4656	41	7	further	far	ADV
ejge-4656	41	8	divided	divide	VERB
ejge-4656	41	9	into	into	ADP
ejge-4656	41	10	common	common	ADJ
ejge-4656	41	11	equity	equity	NOUN
ejge-4656	41	12	tier	tier	NOUN
ejge-4656	41	13	1	1	NUM
ejge-4656	41	14	(	(	PUNCT
ejge-4656	41	15	cet1	cet1	NOUN
ejge-4656	41	16	)	)	PUNCT
ejge-4656	41	17	and	and	CCONJ
ejge-4656	41	18	an	an	DET
ejge-4656	41	19	additional	additional	ADJ
ejge-4656	41	20	tier	tier	NOUN
ejge-4656	41	21	1	1	NUM
ejge-4656	41	22	(	(	PUNCT
ejge-4656	41	23	at1	at1	PROPN
ejge-4656	41	24	)	)	PUNCT
ejge-4656	41	25	.	.	PUNCT
ejge-4656	42	1	the	the	DET
ejge-4656	42	2	mandatory	mandatory	ADJ
ejge-4656	42	3	capital	capital	NOUN
ejge-4656	42	4	components	component	NOUN
ejge-4656	42	5	are	be	AUX
ejge-4656	42	6	supplemented	supplement	VERB
ejge-4656	42	7	with	with	ADP
ejge-4656	42	8	macroprudential	macroprudential	ADJ
ejge-4656	42	9	capital	capital	NOUN
ejge-4656	42	10	buffers	buffer	NOUN
ejge-4656	42	11	,	,	PUNCT
ejge-4656	42	12	whose	whose	DET
ejge-4656	42	13	implementation	implementation	NOUN
ejge-4656	42	14	depends	depend	VERB
ejge-4656	42	15	on	on	ADP
ejge-4656	42	16	certain	certain	ADJ
ejge-4656	42	17	institution	institution	NOUN
ejge-4656	42	18	and	and	CCONJ
ejge-4656	42	19	market	market	NOUN
ejge-4656	42	20	environment	environment	NOUN
ejge-4656	42	21	-	-	PUNCT
ejge-4656	42	22	related	relate	VERB
ejge-4656	42	23	factors	factor	NOUN
ejge-4656	42	24	.	.	PUNCT
ejge-4656	43	1	the	the	DET
ejge-4656	43	2	second	second	ADJ
ejge-4656	43	3	element	element	NOUN
ejge-4656	43	4	of	of	ADP
ejge-4656	43	5	the	the	DET
ejge-4656	43	6	capital	capital	NOUN
ejge-4656	43	7	framework	framework	NOUN
ejge-4656	43	8	constitutes	constitute	VERB
ejge-4656	43	9	of	of	ADP
ejge-4656	43	10	liquidity	liquidity	NOUN
ejge-4656	43	11	regulation	regulation	NOUN
ejge-4656	43	12	.	.	PUNCT
ejge-4656	44	1	the	the	DET
ejge-4656	44	2	importance	importance	NOUN
ejge-4656	44	3	was	be	AUX
ejge-4656	44	4	emphasized	emphasize	VERB
ejge-4656	44	5	by	by	ADP
ejge-4656	44	6	the	the	DET
ejge-4656	44	7	financial	financial	ADJ
ejge-4656	44	8	crisis	crisis	NOUN
ejge-4656	44	9	during	during	ADP
ejge-4656	44	10	which	which	PRON
ejge-4656	44	11	the	the	DET
ejge-4656	44	12	acute	acute	ADJ
ejge-4656	44	13	problem	problem	NOUN
ejge-4656	44	14	at	at	ADP
ejge-4656	44	15	first	first	ADV
ejge-4656	44	16	was	be	AUX
ejge-4656	44	17	not	not	PART
ejge-4656	44	18	the	the	DET
ejge-4656	44	19	insufficient	insufficient	ADJ
ejge-4656	44	20	amount	amount	NOUN
ejge-4656	44	21	of	of	ADP
ejge-4656	44	22	capital	capital	NOUN
ejge-4656	44	23	,	,	PUNCT
ejge-4656	44	24	but	but	CCONJ
ejge-4656	44	25	the	the	DET
ejge-4656	44	26	increasing	increase	VERB
ejge-4656	44	27	uncertainty	uncertainty	NOUN
ejge-4656	44	28	,	,	PUNCT
ejge-4656	44	29	which	which	PRON
ejge-4656	44	30	forced	force	VERB
ejge-4656	44	31	banks	bank	NOUN
ejge-4656	44	32	to	to	PART
ejge-4656	44	33	become	become	VERB
ejge-4656	44	34	defensive	defensive	ADJ
ejge-4656	44	35	and	and	CCONJ
ejge-4656	44	36	in	in	ADP
ejge-4656	44	37	consequence	consequence	NOUN
ejge-4656	44	38	,	,	PUNCT
ejge-4656	44	39	hoard	hoard	NOUN
ejge-4656	44	40	liquidity	liquidity	NOUN
ejge-4656	44	41	.	.	PUNCT
ejge-4656	45	1	m.	m.	NOUN
ejge-4656	45	2	huhtilainen	huhtilainen	PROPN
ejge-4656	45	3	/	/	SYM
ejge-4656	45	4	european	european	PROPN
ejge-4656	45	5	journal	journal	PROPN
ejge-4656	45	6	of	of	ADP
ejge-4656	45	7	government	government	NOUN
ejge-4656	45	8	and	and	CCONJ
ejge-4656	45	9	economics	economic	NOUN
ejge-4656	45	10	8(2	8(2	NUM
ejge-4656	45	11	)	)	PUNCT
ejge-4656	45	12	,	,	PUNCT
ejge-4656	45	13	december	december	PROPN
ejge-4656	45	14	2019	2019	NUM
ejge-4656	45	15	,	,	PUNCT
ejge-4656	45	16	203	203	NUM
ejge-4656	45	17	-	-	SYM
ejge-4656	45	18	217	217	NUM
ejge-4656	45	19	205	205	NUM
ejge-4656	45	20	    	    	SPACE
ejge-4656	45	21	table	table	NOUN
ejge-4656	45	22	1	1	NUM
ejge-4656	45	23	.	.	PUNCT
ejge-4656	46	1	a	a	DET
ejge-4656	46	2	review	review	NOUN
ejge-4656	46	3	of	of	ADP
ejge-4656	46	4	the	the	DET
ejge-4656	46	5	crd	crd	PROPN
ejge-4656	46	6	iv	iv	NUM
ejge-4656	46	7	capital	capital	NOUN
ejge-4656	46	8	rules	rule	NOUN
ejge-4656	46	9	.	.	PUNCT
ejge-4656	47	1	capital	capital	NOUN
ejge-4656	47	2	component	component	NOUN
ejge-4656	47	3	amount	amount	NOUN
ejge-4656	47	4	,	,	PUNCT
ejge-4656	47	5	%	%	NOUN
ejge-4656	47	6	of	of	ADP
ejge-4656	47	7	riskweighted	riskweighte	VERB
ejge-4656	47	8	assets	asset	NOUN
ejge-4656	47	9	eligible	eligible	ADJ
ejge-4656	47	10	capital	capital	NOUN
ejge-4656	47	11	cet1	cet1	NOUN
ejge-4656	47	12	4,5	4,5	NUM
ejge-4656	47	13	%	%	NOUN
ejge-4656	47	14	cash	cash	NOUN
ejge-4656	47	15	,	,	PUNCT
ejge-4656	47	16	common	common	ADJ
ejge-4656	47	17	shares	share	NOUN
ejge-4656	47	18	issued	issue	VERB
ejge-4656	47	19	by	by	ADP
ejge-4656	47	20	the	the	DET
ejge-4656	47	21	bank	bank	NOUN
ejge-4656	47	22	,	,	PUNCT
ejge-4656	47	23	retained	retain	VERB
ejge-4656	47	24	earnings	earning	NOUN
ejge-4656	47	25	,	,	PUNCT
ejge-4656	47	26	other	other	ADJ
ejge-4656	47	27	comprehensive	comprehensive	ADJ
ejge-4656	47	28	income	income	NOUN
ejge-4656	47	29	and	and	CCONJ
ejge-4656	47	30	reserves	reserve	NOUN
ejge-4656	47	31	at1	at1	VERB
ejge-4656	47	32	1,5	1,5	NUM
ejge-4656	47	33	%	%	NOUN
ejge-4656	47	34	perpetual	perpetual	ADJ
ejge-4656	47	35	paid	pay	VERB
ejge-4656	47	36	-	-	PUNCT
ejge-4656	47	37	up	up	ADP
ejge-4656	47	38	capital	capital	NOUN
ejge-4656	47	39	instruments	instrument	NOUN
ejge-4656	47	40	and	and	CCONJ
ejge-4656	47	41	their	their	PRON
ejge-4656	47	42	associated	associated	ADJ
ejge-4656	47	43	share	share	NOUN
ejge-4656	47	44	premium	premium	NOUN
ejge-4656	47	45	accounts	account	NOUN
ejge-4656	47	46	.	.	PUNCT
ejge-4656	48	1	assets	asset	NOUN
ejge-4656	48	2	shall	shall	AUX
ejge-4656	48	3	not	not	PART
ejge-4656	48	4	be	be	AUX
ejge-4656	48	5	purchased	purchase	VERB
ejge-4656	48	6	by	by	ADP
ejge-4656	48	7	the	the	DET
ejge-4656	48	8	institution	institution	NOUN
ejge-4656	48	9	nor	nor	CCONJ
ejge-4656	48	10	be	be	AUX
ejge-4656	48	11	subject	subject	ADJ
ejge-4656	48	12	to	to	ADP
ejge-4656	48	13	any	any	DET
ejge-4656	48	14	arrangement	arrangement	NOUN
ejge-4656	48	15	that	that	PRON
ejge-4656	48	16	enhances	enhance	VERB
ejge-4656	48	17	the	the	DET
ejge-4656	48	18	seniority	seniority	NOUN
ejge-4656	48	19	of	of	ADP
ejge-4656	48	20	the	the	DET
ejge-4656	48	21	claim	claim	NOUN
ejge-4656	48	22	by	by	ADP
ejge-4656	48	23	the	the	DET
ejge-4656	48	24	institution	institution	NOUN
ejge-4656	48	25	or	or	CCONJ
ejge-4656	48	26	under	under	ADP
ejge-4656	48	27	the	the	DET
ejge-4656	48	28	instruments	instrument	NOUN
ejge-4656	48	29	in	in	ADP
ejge-4656	48	30	insolvency	insolvency	NOUN
ejge-4656	48	31	or	or	CCONJ
ejge-4656	48	32	liquidation	liquidation	NOUN
ejge-4656	48	33	tier	tier	NOUN
ejge-4656	48	34	1	1	NUM
ejge-4656	48	35	6	6	NUM
ejge-4656	48	36	%	%	NOUN
ejge-4656	48	37	tier	tier	NOUN
ejge-4656	48	38	2	2	NUM
ejge-4656	48	39	2	2	NUM
ejge-4656	48	40	%	%	NOUN
ejge-4656	48	41	capital	capital	NOUN
ejge-4656	48	42	instruments	instrument	NOUN
ejge-4656	48	43	and	and	CCONJ
ejge-4656	48	44	subordinated	subordinated	ADJ
ejge-4656	48	45	loans	loan	NOUN
ejge-4656	48	46	and	and	CCONJ
ejge-4656	48	47	share	share	VERB
ejge-4656	48	48	premium	premium	NOUN
ejge-4656	48	49	accounts	account	NOUN
ejge-4656	48	50	.	.	PUNCT
ejge-4656	49	1	tier	tier	NOUN
ejge-4656	49	2	2	2	NUM
ejge-4656	49	3	instruments	instrument	NOUN
ejge-4656	49	4	are	be	AUX
ejge-4656	49	5	issued	issue	VERB
ejge-4656	49	6	,	,	PUNCT
ejge-4656	49	7	or	or	CCONJ
ejge-4656	49	8	the	the	DET
ejge-4656	49	9	subordinated	subordinated	ADJ
ejge-4656	49	10	loans	loan	NOUN
ejge-4656	49	11	are	be	AUX
ejge-4656	49	12	raised	raise	VERB
ejge-4656	49	13	and	and	CCONJ
ejge-4656	49	14	fully	fully	ADV
ejge-4656	49	15	paid	pay	VERB
ejge-4656	49	16	-	-	PUNCT
ejge-4656	49	17	up	up	NOUN
ejge-4656	49	18	,	,	PUNCT
ejge-4656	49	19	but	but	CCONJ
ejge-4656	49	20	not	not	PART
ejge-4656	49	21	purchased	purchase	VERB
ejge-4656	49	22	nor	nor	CCONJ
ejge-4656	49	23	funded	fund	VERB
ejge-4656	49	24	either	either	CCONJ
ejge-4656	49	25	directly	directly	ADV
ejge-4656	49	26	or	or	CCONJ
ejge-4656	49	27	indirectly	indirectly	ADV
ejge-4656	49	28	by	by	ADP
ejge-4656	49	29	the	the	DET
ejge-4656	49	30	institution	institution	NOUN
ejge-4656	49	31	.	.	PUNCT
ejge-4656	50	1	the	the	DET
ejge-4656	50	2	claim	claim	NOUN
ejge-4656	50	3	must	must	AUX
ejge-4656	50	4	be	be	AUX
ejge-4656	50	5	wholly	wholly	ADV
ejge-4656	50	6	subordinated	subordinate	VERB
ejge-4656	50	7	to	to	ADP
ejge-4656	50	8	the	the	DET
ejge-4656	50	9	claims	claim	NOUN
ejge-4656	50	10	of	of	ADP
ejge-4656	50	11	all	all	DET
ejge-4656	50	12	non	non	ADJ
ejge-4656	50	13	-	-	ADJ
ejge-4656	50	14	subordinated	subordinated	ADJ
ejge-4656	50	15	creditors	creditor	NOUN
ejge-4656	50	16	,	,	PUNCT
ejge-4656	50	17	and	and	CCONJ
ejge-4656	50	18	should	should	AUX
ejge-4656	50	19	not	not	PART
ejge-4656	50	20	be	be	AUX
ejge-4656	50	21	secured	secure	VERB
ejge-4656	50	22	or	or	CCONJ
ejge-4656	50	23	subject	subject	ADJ
ejge-4656	50	24	to	to	ADP
ejge-4656	50	25	a	a	DET
ejge-4656	50	26	guarantee	guarantee	NOUN
ejge-4656	50	27	that	that	PRON
ejge-4656	50	28	enhances	enhance	VERB
ejge-4656	50	29	the	the	DET
ejge-4656	50	30	seniority	seniority	NOUN
ejge-4656	50	31	of	of	ADP
ejge-4656	50	32	its	its	PRON
ejge-4656	50	33	claim	claim	NOUN
ejge-4656	50	34	total	total	ADJ
ejge-4656	50	35	8	8	NUM
ejge-4656	50	36	%	%	NOUN
ejge-4656	50	37	additional	additional	ADJ
ejge-4656	50	38	capital	capital	NOUN
ejge-4656	50	39	buffers	buffer	NOUN
ejge-4656	50	40	capital	capital	NOUN
ejge-4656	50	41	conservation	conservation	NOUN
ejge-4656	50	42	buffer	buffer	VERB
ejge-4656	50	43	2,5	2,5	NUM
ejge-4656	50	44	%	%	NOUN
ejge-4656	50	45	cet1	cet1	NOUN
ejge-4656	50	46	capital	capital	NOUN
ejge-4656	50	47	countercyclical	countercyclical	ADJ
ejge-4656	50	48	capital	capital	NOUN
ejge-4656	50	49	buffer	buffer	NOUN
ejge-4656	50	50	*	*	PUNCT
ejge-4656	50	51	0	0	NUM
ejge-4656	50	52	-	-	SYM
ejge-4656	50	53	2,5	2,5	NUM
ejge-4656	50	54	%	%	NOUN
ejge-4656	50	55	cet1	cet1	NOUN
ejge-4656	50	56	capital	capital	NOUN
ejge-4656	50	57	g	g	PROPN
ejge-4656	50	58	-	-	PUNCT
ejge-4656	50	59	sii	sii	ADJ
ejge-4656	50	60	buffer	buffer	NOUN
ejge-4656	50	61	*	*	PUNCT
ejge-4656	51	1	*	*	PUNCT
ejge-4656	51	2	1	1	NUM
ejge-4656	51	3	-	-	SYM
ejge-4656	51	4	3,5	3,5	NUM
ejge-4656	51	5	%	%	NOUN
ejge-4656	51	6	cet1	cet1	NOUN
ejge-4656	51	7	capital	capital	NOUN
ejge-4656	51	8	o	o	PROPN
ejge-4656	51	9	-	-	ADJ
ejge-4656	51	10	sii	sii	ADJ
ejge-4656	51	11	buffer	buffer	NOUN
ejge-4656	51	12	*	*	PUNCT
ejge-4656	51	13	*	*	PUNCT
ejge-4656	51	14	*	*	PUNCT
ejge-4656	51	15	0	0	NUM
ejge-4656	51	16	-	-	SYM
ejge-4656	51	17	2	2	NUM
ejge-4656	51	18	%	%	NOUN
ejge-4656	51	19	cet1	cet1	NOUN
ejge-4656	51	20	capital	capital	NOUN
ejge-4656	51	21	systemic	systemic	ADJ
ejge-4656	51	22	risk	risk	NOUN
ejge-4656	51	23	buffer	buffer	NOUN
ejge-4656	51	24	*	*	PUNCT
ejge-4656	51	25	*	*	PUNCT
ejge-4656	51	26	*	*	PUNCT
ejge-4656	51	27	*	*	PUNCT
ejge-4656	51	28	0	0	NUM
ejge-4656	51	29	-	-	SYM
ejge-4656	51	30	5	5	NUM
ejge-4656	51	31	%	%	NOUN
ejge-4656	51	32	cet1	cet1	NOUN
ejge-4656	51	33	capital	capital	NOUN
ejge-4656	51	34	notes	note	NOUN
ejge-4656	51	35	.	.	PUNCT
ejge-4656	52	1	*	*	PUNCT
ejge-4656	52	2	implemented	implement	VERB
ejge-4656	52	3	by	by	ADP
ejge-4656	52	4	national	national	ADJ
ejge-4656	52	5	authority	authority	NOUN
ejge-4656	52	6	based	base	VERB
ejge-4656	52	7	on	on	ADP
ejge-4656	52	8	(	(	PUNCT
ejge-4656	52	9	excessive	excessive	ADJ
ejge-4656	52	10	)	)	PUNCT
ejge-4656	52	11	aggregate	aggregate	ADJ
ejge-4656	52	12	credit	credit	NOUN
ejge-4656	52	13	growth	growth	NOUN
ejge-4656	52	14	,	,	PUNCT
ejge-4656	52	15	*	*	PUNCT
ejge-4656	52	16	*	*	PUNCT
ejge-4656	52	17	mandatory	mandatory	ADJ
ejge-4656	52	18	buffer	buffer	NOUN
ejge-4656	52	19	for	for	ADP
ejge-4656	52	20	banks	bank	NOUN
ejge-4656	52	21	that	that	PRON
ejge-4656	52	22	are	be	AUX
ejge-4656	52	23	identified	identify	VERB
ejge-4656	52	24	by	by	ADP
ejge-4656	52	25	the	the	DET
ejge-4656	52	26	relevant	relevant	ADJ
ejge-4656	52	27	authority	authority	NOUN
ejge-4656	52	28	as	as	ADP
ejge-4656	52	29	globally	globally	ADV
ejge-4656	52	30	systemically	systemically	ADV
ejge-4656	52	31	important	important	ADJ
ejge-4656	52	32	institutions	institution	NOUN
ejge-4656	52	33	,	,	PUNCT
ejge-4656	52	34	*	*	PUNCT
ejge-4656	52	35	*	*	PUNCT
ejge-4656	52	36	*	*	PUNCT
ejge-4656	52	37	optional	optional	ADJ
ejge-4656	52	38	buffer	buffer	NOUN
ejge-4656	52	39	on	on	ADP
ejge-4656	52	40	“	"	PUNCT
ejge-4656	52	41	other	other	ADJ
ejge-4656	52	42	”	"	PUNCT
ejge-4656	52	43	systemically	systemically	ADV
ejge-4656	52	44	important	important	ADJ
ejge-4656	52	45	institutions	institution	NOUN
ejge-4656	52	46	:	:	PUNCT
ejge-4656	52	47	either	either	CCONJ
ejge-4656	52	48	domestically	domestically	ADV
ejge-4656	52	49	important	important	ADJ
ejge-4656	52	50	or	or	CCONJ
ejge-4656	52	51	eu	eu	PROPN
ejge-4656	52	52	important	important	ADJ
ejge-4656	52	53	institutions	institution	NOUN
ejge-4656	52	54	,	,	PUNCT
ejge-4656	52	55	*	*	PUNCT
ejge-4656	52	56	*	*	PUNCT
ejge-4656	52	57	*	*	PUNCT
ejge-4656	52	58	*	*	NOUN
ejge-4656	52	59	member	member	NOUN
ejge-4656	52	60	state	state	NOUN
ejge-4656	52	61	may	may	AUX
ejge-4656	52	62	introduce	introduce	VERB
ejge-4656	52	63	a	a	DET
ejge-4656	52	64	systemic	systemic	ADJ
ejge-4656	52	65	risk	risk	NOUN
ejge-4656	52	66	buffer	buffer	NOUN
ejge-4656	52	67	for	for	ADP
ejge-4656	52	68	the	the	DET
ejge-4656	52	69	sector	sector	NOUN
ejge-4656	52	70	or	or	CCONJ
ejge-4656	52	71	one	one	NUM
ejge-4656	52	72	or	or	CCONJ
ejge-4656	52	73	more	more	ADJ
ejge-4656	52	74	subsets	subset	NOUN
ejge-4656	52	75	of	of	ADP
ejge-4656	52	76	the	the	DET
ejge-4656	52	77	sector	sector	NOUN
ejge-4656	52	78	,	,	PUNCT
ejge-4656	52	79	in	in	ADP
ejge-4656	52	80	order	order	NOUN
ejge-4656	52	81	to	to	PART
ejge-4656	52	82	prevent	prevent	VERB
ejge-4656	52	83	and	and	CCONJ
ejge-4656	52	84	mitigate	mitigate	VERB
ejge-4656	52	85	systemic	systemic	ADJ
ejge-4656	52	86	or	or	CCONJ
ejge-4656	52	87	macro	macro	ADJ
ejge-4656	52	88	-	-	ADJ
ejge-4656	52	89	prudential	prudential	ADJ
ejge-4656	52	90	risks	risk	NOUN
ejge-4656	52	91	.	.	PUNCT
ejge-4656	53	1	the	the	DET
ejge-4656	53	2	buffer	buffer	NOUN
ejge-4656	53	3	may	may	AUX
ejge-4656	53	4	exceed	exceed	VERB
ejge-4656	53	5	5	5	NUM
ejge-4656	53	6	%	%	NOUN
ejge-4656	53	7	should	should	AUX
ejge-4656	53	8	circumstances	circumstance	NOUN
ejge-4656	53	9	call	call	VERB
ejge-4656	53	10	for	for	ADP
ejge-4656	53	11	it	it	PRON
ejge-4656	53	12	.	.	PUNCT
ejge-4656	54	1	as	as	ADP
ejge-4656	54	2	a	a	DET
ejge-4656	54	3	result	result	NOUN
ejge-4656	54	4	,	,	PUNCT
ejge-4656	54	5	banks	bank	NOUN
ejge-4656	54	6	found	find	VERB
ejge-4656	54	7	themselves	themselves	PRON
ejge-4656	54	8	unable	unable	ADJ
ejge-4656	54	9	to	to	PART
ejge-4656	54	10	honor	honor	VERB
ejge-4656	54	11	their	their	PRON
ejge-4656	54	12	obligations	obligation	NOUN
ejge-4656	54	13	in	in	ADP
ejge-4656	54	14	frozen	frozen	ADJ
ejge-4656	54	15	interbank	interbank	NOUN
ejge-4656	54	16	markets	market	NOUN
ejge-4656	54	17	.	.	PUNCT
ejge-4656	55	1	in	in	ADP
ejge-4656	55	2	order	order	NOUN
ejge-4656	55	3	to	to	PART
ejge-4656	55	4	cope	cope	VERB
ejge-4656	55	5	with	with	ADP
ejge-4656	55	6	the	the	DET
ejge-4656	55	7	situation	situation	NOUN
ejge-4656	55	8	,	,	PUNCT
ejge-4656	55	9	banks	bank	NOUN
ejge-4656	55	10	engaged	engage	VERB
ejge-4656	55	11	in	in	ADP
ejge-4656	55	12	coincidental	coincidental	ADJ
ejge-4656	55	13	fire	fire	NOUN
ejge-4656	55	14	sales	sale	NOUN
ejge-4656	55	15	of	of	ADP
ejge-4656	55	16	nonliquid	nonliquid	ADJ
ejge-4656	55	17	assets	asset	NOUN
ejge-4656	55	18	,	,	PUNCT
ejge-4656	55	19	which	which	PRON
ejge-4656	55	20	generated	generate	VERB
ejge-4656	55	21	a	a	DET
ejge-4656	55	22	steep	steep	ADJ
ejge-4656	55	23	fall	fall	NOUN
ejge-4656	55	24	in	in	ADP
ejge-4656	55	25	asset	asset	NOUN
ejge-4656	55	26	prices	price	NOUN
ejge-4656	55	27	(	(	PUNCT
ejge-4656	55	28	aldasoro	aldasoro	PROPN
ejge-4656	55	29	et	et	PROPN
ejge-4656	55	30	al	al	PROPN
ejge-4656	55	31	.	.	PROPN
ejge-4656	55	32	,	,	PUNCT
ejge-4656	55	33	2017	2017	NUM
ejge-4656	55	34	;	;	PUNCT
ejge-4656	55	35	berrospide	berrospide	NOUN
ejge-4656	55	36	,	,	PUNCT
ejge-4656	55	37	2013	2013	NUM
ejge-4656	55	38	)	)	PUNCT
ejge-4656	55	39	.	.	PUNCT
ejge-4656	56	1	to	to	PART
ejge-4656	56	2	address	address	VERB
ejge-4656	56	3	the	the	DET
ejge-4656	56	4	witnessed	witness	VERB
ejge-4656	56	5	shortfalls	shortfall	NOUN
ejge-4656	56	6	,	,	PUNCT
ejge-4656	56	7	the	the	DET
ejge-4656	56	8	eu	eu	PROPN
ejge-4656	56	9	adopted	adopt	VERB
ejge-4656	56	10	two	two	NUM
ejge-4656	56	11	specific	specific	ADJ
ejge-4656	56	12	measures	measure	NOUN
ejge-4656	56	13	to	to	PART
ejge-4656	56	14	correspond	correspond	VERB
ejge-4656	56	15	with	with	ADP
ejge-4656	56	16	the	the	DET
ejge-4656	56	17	basel	basel	PROPN
ejge-4656	56	18	work	work	NOUN
ejge-4656	56	19	.	.	PUNCT
ejge-4656	57	1	first	first	ADV
ejge-4656	57	2	,	,	PUNCT
ejge-4656	57	3	bscs	bsc	NOUN
ejge-4656	57	4	introduced	introduce	VERB
ejge-4656	57	5	liquidity	liquidity	NOUN
ejge-4656	57	6	coverage	coverage	NOUN
ejge-4656	57	7	ratio	ratio	NOUN
ejge-4656	57	8	,	,	PUNCT
ejge-4656	57	9	which	which	PRON
ejge-4656	57	10	aims	aim	VERB
ejge-4656	57	11	to	to	PART
ejge-4656	57	12	provide	provide	VERB
ejge-4656	57	13	protection	protection	NOUN
ejge-4656	57	14	against	against	ADP
ejge-4656	57	15	severe	severe	ADJ
ejge-4656	57	16	short	short	ADJ
ejge-4656	57	17	-	-	PUNCT
ejge-4656	57	18	term	term	NOUN
ejge-4656	57	19	liquidity	liquidity	NOUN
ejge-4656	57	20	shocks	shock	NOUN
ejge-4656	57	21	.	.	PUNCT
ejge-4656	58	1	accordingly	accordingly	ADV
ejge-4656	58	2	,	,	PUNCT
ejge-4656	58	3	banks	bank	NOUN
ejge-4656	58	4	are	be	AUX
ejge-4656	58	5	now	now	ADV
ejge-4656	58	6	required	require	VERB
ejge-4656	58	7	to	to	PART
ejge-4656	58	8	hold	hold	VERB
ejge-4656	58	9	high	high	ADJ
ejge-4656	58	10	quality	quality	NOUN
ejge-4656	58	11	liquidity	liquidity	NOUN
ejge-4656	58	12	assets1	assets1	PROPN
ejge-4656	59	1	(	(	PUNCT
ejge-4656	59	2	“	"	PUNCT
ejge-4656	59	3	hqla	hqla	PROPN
ejge-4656	59	4	”	"	PUNCT
ejge-4656	59	5	)	)	PUNCT
ejge-4656	59	6	against	against	ADP
ejge-4656	59	7	anticipated	anticipate	VERB
ejge-4656	59	8	net	net	ADJ
ejge-4656	59	9	outgoing	outgoing	ADJ
ejge-4656	59	10	cash	cash	NOUN
ejge-4656	59	11	flows	flow	VERB
ejge-4656	59	12	over	over	ADP
ejge-4656	59	13	a	a	DET
ejge-4656	59	14	30	30	NUM
ejge-4656	59	15	-	-	PUNCT
ejge-4656	59	16	day	day	NOUN
ejge-4656	59	17	severe	severe	ADJ
ejge-4656	59	18	stress	stress	NOUN
ejge-4656	59	19	period	period	NOUN
ejge-4656	59	20	.	.	PUNCT
ejge-4656	60	1	the	the	DET
ejge-4656	60	2	ratio	ratio	NOUN
ejge-4656	60	3	shall	shall	AUX
ejge-4656	60	4	equal	equal	VERB
ejge-4656	60	5	to	to	ADP
ejge-4656	60	6	or	or	CCONJ
ejge-4656	60	7	exceed	exceed	VERB
ejge-4656	60	8	100	100	NUM
ejge-4656	60	9	%	%	NOUN
ejge-4656	60	10	in	in	ADP
ejge-4656	60	11	any	any	DET
ejge-4656	60	12	given	give	VERB
ejge-4656	60	13	1	1	NUM
ejge-4656	60	14	the	the	DET
ejge-4656	60	15	category	category	NOUN
ejge-4656	60	16	hqla	hqla	PROPN
ejge-4656	60	17	includes	include	VERB
ejge-4656	60	18	assets	asset	NOUN
ejge-4656	60	19	that	that	PRON
ejge-4656	60	20	enjoy	enjoy	VERB
ejge-4656	60	21	sufficient	sufficient	ADJ
ejge-4656	60	22	trading	trading	NOUN
ejge-4656	60	23	volume	volume	NOUN
ejge-4656	60	24	,	,	PUNCT
ejge-4656	60	25	low	low	ADJ
ejge-4656	60	26	volatility	volatility	NOUN
ejge-4656	60	27	,	,	PUNCT
ejge-4656	60	28	transparent	transparent	ADJ
ejge-4656	60	29	pricing	pricing	NOUN
ejge-4656	60	30	and	and	CCONJ
ejge-4656	60	31	post	post	ADJ
ejge-4656	60	32	-	-	ADJ
ejge-4656	60	33	trade	trade	ADJ
ejge-4656	60	34	information	information	NOUN
ejge-4656	60	35	,	,	PUNCT
ejge-4656	60	36	and	and	CCONJ
ejge-4656	60	37	are	be	AUX
ejge-4656	60	38	not	not	PART
ejge-4656	60	39	correlated	correlate	VERB
ejge-4656	60	40	with	with	ADP
ejge-4656	60	41	high	high	ADJ
ejge-4656	60	42	-	-	PUNCT
ejge-4656	60	43	risk	risk	NOUN
ejge-4656	60	44	asset	asset	NOUN
ejge-4656	60	45	classes	class	NOUN
ejge-4656	60	46	.	.	PUNCT
ejge-4656	61	1	m.	m.	NOUN
ejge-4656	61	2	huhtilainen	huhtilainen	PROPN
ejge-4656	61	3	/	/	SYM
ejge-4656	61	4	european	european	PROPN
ejge-4656	61	5	journal	journal	PROPN
ejge-4656	61	6	of	of	ADP
ejge-4656	61	7	government	government	NOUN
ejge-4656	61	8	and	and	CCONJ
ejge-4656	61	9	economics	economic	NOUN
ejge-4656	61	10	8(2	8(2	NUM
ejge-4656	61	11	)	)	PUNCT
ejge-4656	61	12	,	,	PUNCT
ejge-4656	61	13	december	december	PROPN
ejge-4656	61	14	2019	2019	NUM
ejge-4656	61	15	,	,	PUNCT
ejge-4656	61	16	203	203	NUM
ejge-4656	61	17	-	-	SYM
ejge-4656	61	18	217	217	NUM
ejge-4656	61	19	206	206	NUM
ejge-4656	61	20	    	    	SPACE
ejge-4656	61	21	time	time	NOUN
ejge-4656	61	22	.	.	PUNCT
ejge-4656	62	1	the	the	DET
ejge-4656	62	2	second	second	ADJ
ejge-4656	62	3	tool	tool	NOUN
ejge-4656	62	4	,	,	PUNCT
ejge-4656	62	5	net	net	ADJ
ejge-4656	62	6	stable	stable	ADJ
ejge-4656	62	7	funding	funding	NOUN
ejge-4656	62	8	ratio	ratio	NOUN
ejge-4656	62	9	,	,	PUNCT
ejge-4656	62	10	has	have	VERB
ejge-4656	62	11	a	a	DET
ejge-4656	62	12	time	time	NOUN
ejge-4656	62	13	horizon	horizon	NOUN
ejge-4656	62	14	of	of	ADP
ejge-4656	62	15	one	one	NUM
ejge-4656	62	16	year	year	NOUN
ejge-4656	62	17	.	.	PUNCT
ejge-4656	63	1	as	as	SCONJ
ejge-4656	63	2	banks	bank	NOUN
ejge-4656	63	3	are	be	AUX
ejge-4656	63	4	exposed	expose	VERB
ejge-4656	63	5	to	to	ADP
ejge-4656	63	6	funding	fund	VERB
ejge-4656	63	7	liquidity	liquidity	NOUN
ejge-4656	63	8	risk	risk	NOUN
ejge-4656	63	9	arising	arise	VERB
ejge-4656	63	10	from	from	ADP
ejge-4656	63	11	their	their	PRON
ejge-4656	63	12	funding	funding	NOUN
ejge-4656	63	13	structures	structure	NOUN
ejge-4656	63	14	and	and	CCONJ
ejge-4656	63	15	the	the	DET
ejge-4656	63	16	maturity	maturity	NOUN
ejge-4656	63	17	mismatch	mismatch	NOUN
ejge-4656	63	18	in	in	ADP
ejge-4656	63	19	their	their	PRON
ejge-4656	63	20	balance	balance	NOUN
ejge-4656	63	21	sheet	sheet	NOUN
ejge-4656	63	22	,	,	PUNCT
ejge-4656	63	23	nsfr	nsfr	ADJ
ejge-4656	63	24	targets	target	NOUN
ejge-4656	63	25	to	to	PART
ejge-4656	63	26	secure	secure	VERB
ejge-4656	63	27	a	a	DET
ejge-4656	63	28	more	more	ADV
ejge-4656	63	29	sustainable	sustainable	ADJ
ejge-4656	63	30	long	long	ADJ
ejge-4656	63	31	-	-	PUNCT
ejge-4656	63	32	term	term	NOUN
ejge-4656	63	33	maturity	maturity	NOUN
ejge-4656	63	34	structure	structure	NOUN
ejge-4656	63	35	of	of	ADP
ejge-4656	63	36	assets	asset	NOUN
ejge-4656	63	37	and	and	CCONJ
ejge-4656	63	38	liabilities	liability	NOUN
ejge-4656	63	39	(	(	PUNCT
ejge-4656	63	40	gobat	gobat	PROPN
ejge-4656	63	41	et	et	PROPN
ejge-4656	63	42	al	al	PROPN
ejge-4656	63	43	.	.	PROPN
ejge-4656	63	44	,	,	PUNCT
ejge-4656	63	45	2014	2014	NUM
ejge-4656	63	46	)	)	PUNCT
ejge-4656	63	47	.	.	PUNCT
ejge-4656	64	1	the	the	DET
ejge-4656	64	2	nsfr	nsfr	NOUN
ejge-4656	64	3	is	be	AUX
ejge-4656	64	4	calculated	calculate	VERB
ejge-4656	64	5	as	as	ADP
ejge-4656	64	6	a	a	DET
ejge-4656	64	7	ratio	ratio	NOUN
ejge-4656	64	8	of	of	ADP
ejge-4656	64	9	available	available	ADJ
ejge-4656	64	10	stable	stable	ADJ
ejge-4656	64	11	funding	funding	NOUN
ejge-4656	64	12	(	(	PUNCT
ejge-4656	64	13	asf	asf	NOUN
ejge-4656	64	14	)	)	PUNCT
ejge-4656	64	15	against	against	ADP
ejge-4656	64	16	the	the	DET
ejge-4656	64	17	amount	amount	NOUN
ejge-4656	64	18	of	of	ADP
ejge-4656	64	19	required	require	VERB
ejge-4656	64	20	stable	stable	ADJ
ejge-4656	64	21	funding	funding	NOUN
ejge-4656	64	22	(	(	PUNCT
ejge-4656	64	23	rsf	rsf	PROPN
ejge-4656	64	24	)	)	PUNCT
ejge-4656	64	25	.	.	PUNCT
ejge-4656	65	1	the	the	DET
ejge-4656	65	2	asf	asf	NOUN
ejge-4656	65	3	is	be	AUX
ejge-4656	65	4	defined	define	VERB
ejge-4656	65	5	as	as	ADP
ejge-4656	65	6	the	the	DET
ejge-4656	65	7	portion	portion	NOUN
ejge-4656	65	8	of	of	ADP
ejge-4656	65	9	capital	capital	NOUN
ejge-4656	65	10	and	and	CCONJ
ejge-4656	65	11	liabilities	liability	NOUN
ejge-4656	65	12	expected	expect	VERB
ejge-4656	65	13	to	to	PART
ejge-4656	65	14	be	be	AUX
ejge-4656	65	15	reliable	reliable	ADJ
ejge-4656	65	16	over	over	ADP
ejge-4656	65	17	the	the	DET
ejge-4656	65	18	target	target	NOUN
ejge-4656	65	19	time	time	NOUN
ejge-4656	65	20	horizon	horizon	NOUN
ejge-4656	65	21	.	.	PUNCT
ejge-4656	66	1	the	the	DET
ejge-4656	66	2	amount	amount	NOUN
ejge-4656	66	3	of	of	ADP
ejge-4656	66	4	rsf	rsf	NOUN
ejge-4656	66	5	is	be	AUX
ejge-4656	66	6	a	a	DET
ejge-4656	66	7	function	function	NOUN
ejge-4656	66	8	of	of	ADP
ejge-4656	66	9	liquidity	liquidity	NOUN
ejge-4656	66	10	characteristics	characteristic	NOUN
ejge-4656	66	11	and	and	CCONJ
ejge-4656	66	12	residual	residual	ADJ
ejge-4656	66	13	maturities	maturity	NOUN
ejge-4656	66	14	of	of	ADP
ejge-4656	66	15	the	the	DET
ejge-4656	66	16	various	various	ADJ
ejge-4656	66	17	assets	asset	NOUN
ejge-4656	66	18	held	hold	VERB
ejge-4656	66	19	by	by	ADP
ejge-4656	66	20	the	the	DET
ejge-4656	66	21	institution	institution	NOUN
ejge-4656	66	22	.	.	PUNCT
ejge-4656	67	1	thirdly	thirdly	ADV
ejge-4656	67	2	,	,	PUNCT
ejge-4656	67	3	the	the	DET
ejge-4656	67	4	bcbs	bcb	NOUN
ejge-4656	67	5	introduced	introduce	VERB
ejge-4656	67	6	a	a	DET
ejge-4656	67	7	completely	completely	ADV
ejge-4656	67	8	new	new	ADJ
ejge-4656	67	9	non	non	ADJ
ejge-4656	67	10	-	-	ADJ
ejge-4656	67	11	risk	risk	ADJ
ejge-4656	67	12	based	base	VERB
ejge-4656	67	13	leverage	leverage	NOUN
ejge-4656	67	14	constraint	constraint	NOUN
ejge-4656	67	15	to	to	PART
ejge-4656	67	16	complement	complement	VERB
ejge-4656	67	17	the	the	DET
ejge-4656	67	18	remaining	remain	VERB
ejge-4656	67	19	risk	risk	NOUN
ejge-4656	67	20	-	-	PUNCT
ejge-4656	67	21	based	base	VERB
ejge-4656	67	22	capital	capital	NOUN
ejge-4656	67	23	framework	framework	NOUN
ejge-4656	67	24	.	.	PUNCT
ejge-4656	68	1	bcbs	bcbs	PROPN
ejge-4656	68	2	(	(	PUNCT
ejge-4656	68	3	2014	2014	NUM
ejge-4656	68	4	)	)	PUNCT
ejge-4656	68	5	concluded	conclude	VERB
ejge-4656	68	6	that	that	SCONJ
ejge-4656	68	7	the	the	DET
ejge-4656	68	8	underlying	underlie	VERB
ejge-4656	68	9	cause	cause	NOUN
ejge-4656	68	10	for	for	ADP
ejge-4656	68	11	the	the	DET
ejge-4656	68	12	meltdown	meltdown	NOUN
ejge-4656	68	13	had	have	AUX
ejge-4656	68	14	been	be	AUX
ejge-4656	68	15	the	the	DET
ejge-4656	68	16	build	build	NOUN
ejge-4656	68	17	-	-	PUNCT
ejge-4656	68	18	up	up	NOUN
ejge-4656	68	19	of	of	ADP
ejge-4656	68	20	excessive	excessive	ADJ
ejge-4656	68	21	onand	onand	NOUN
ejge-4656	68	22	off	off	ADP
ejge-4656	68	23	-	-	PUNCT
ejge-4656	68	24	balance	balance	NOUN
ejge-4656	68	25	sheet	sheet	NOUN
ejge-4656	68	26	leverage	leverage	NOUN
ejge-4656	68	27	in	in	ADP
ejge-4656	68	28	the	the	DET
ejge-4656	68	29	banking	banking	NOUN
ejge-4656	68	30	system	system	NOUN
ejge-4656	68	31	.	.	PUNCT
ejge-4656	69	1	following	follow	VERB
ejge-4656	69	2	the	the	DET
ejge-4656	69	3	adoption	adoption	NOUN
ejge-4656	69	4	,	,	PUNCT
ejge-4656	69	5	the	the	DET
ejge-4656	69	6	binding	bind	VERB
ejge-4656	69	7	3	3	NUM
ejge-4656	69	8	%	%	NOUN
ejge-4656	69	9	leverage	leverage	NOUN
ejge-4656	69	10	ratio	ratio	NOUN
ejge-4656	69	11	(	(	PUNCT
ejge-4656	69	12	lr	lr	NOUN
ejge-4656	69	13	)	)	PUNCT
ejge-4656	69	14	became	become	VERB
ejge-4656	69	15	fully	fully	ADV
ejge-4656	69	16	applicable	applicable	ADJ
ejge-4656	69	17	in	in	ADP
ejge-4656	69	18	the	the	DET
ejge-4656	69	19	eu	eu	PROPN
ejge-4656	69	20	in	in	ADP
ejge-4656	69	21	january	january	PROPN
ejge-4656	69	22	2018	2018	NUM
ejge-4656	69	23	.	.	PUNCT
ejge-4656	70	1	in	in	ADP
ejge-4656	70	2	accordance	accordance	NOUN
ejge-4656	70	3	with	with	ADP
ejge-4656	70	4	the	the	DET
ejge-4656	70	5	bcbs	bcbs	PROPN
ejge-4656	70	6	proposal	proposal	NOUN
ejge-4656	70	7	,	,	PUNCT
ejge-4656	70	8	lr	lr	X
ejge-4656	70	9	is	be	AUX
ejge-4656	70	10	calculated	calculate	VERB
ejge-4656	70	11	as	as	ADP
ejge-4656	70	12	the	the	DET
ejge-4656	70	13	amount	amount	NOUN
ejge-4656	70	14	of	of	ADP
ejge-4656	70	15	cet1	cet1	NOUN
ejge-4656	70	16	capital	capital	NOUN
ejge-4656	70	17	against	against	ADP
ejge-4656	70	18	bank	bank	NOUN
ejge-4656	70	19	’s	’s	PART
ejge-4656	70	20	all	all	DET
ejge-4656	70	21	non	non	ADJ
ejge-4656	70	22	-	-	ADJ
ejge-4656	70	23	risk	risk	ADJ
ejge-4656	70	24	weighted	weight	VERB
ejge-4656	70	25	assets	asset	NOUN
ejge-4656	70	26	.	.	PUNCT
ejge-4656	71	1	indeed	indeed	ADV
ejge-4656	71	2	,	,	PUNCT
ejge-4656	71	3	this	this	PRON
ejge-4656	71	4	contradicts	contradict	VERB
ejge-4656	71	5	other	other	ADJ
ejge-4656	71	6	capital	capital	NOUN
ejge-4656	71	7	provisions	provision	NOUN
ejge-4656	71	8	,	,	PUNCT
ejge-4656	71	9	as	as	SCONJ
ejge-4656	71	10	lr	lr	NOUN
ejge-4656	71	11	does	do	AUX
ejge-4656	71	12	not	not	PART
ejge-4656	71	13	consider	consider	VERB
ejge-4656	71	14	any	any	DET
ejge-4656	71	15	risk	risk	NOUN
ejge-4656	71	16	weights	weight	NOUN
ejge-4656	71	17	or	or	CCONJ
ejge-4656	71	18	risk	risk	NOUN
ejge-4656	71	19	models	model	NOUN
ejge-4656	71	20	.	.	PUNCT
ejge-4656	72	1	furthermore	furthermore	ADV
ejge-4656	72	2	,	,	PUNCT
ejge-4656	72	3	banks	bank	NOUN
ejge-4656	72	4	are	be	AUX
ejge-4656	72	5	expected	expect	VERB
ejge-4656	72	6	to	to	PART
ejge-4656	72	7	meet	meet	VERB
ejge-4656	72	8	the	the	DET
ejge-4656	72	9	requirement	requirement	NOUN
ejge-4656	72	10	in	in	ADP
ejge-4656	72	11	addition	addition	NOUN
ejge-4656	72	12	to	to	ADP
ejge-4656	72	13	their	their	PRON
ejge-4656	72	14	riskbased	riskbase	VERB
ejge-4656	72	15	capital	capital	NOUN
ejge-4656	72	16	requirements	requirement	NOUN
ejge-4656	72	17	.	.	PUNCT
ejge-4656	73	1	3	3	X
ejge-4656	73	2	.	.	X
ejge-4656	73	3	data	datum	NOUN
ejge-4656	73	4	and	and	CCONJ
ejge-4656	73	5	methods	method	NOUN
ejge-4656	73	6	3.1	3.1	NUM
ejge-4656	73	7	.	.	PUNCT
ejge-4656	74	1	key	key	ADJ
ejge-4656	74	2	financial	financial	ADJ
ejge-4656	74	3	figures	figure	NOUN
ejge-4656	74	4	we	we	PRON
ejge-4656	74	5	estimate	estimate	VERB
ejge-4656	74	6	the	the	DET
ejge-4656	74	7	effect	effect	NOUN
ejge-4656	74	8	of	of	ADP
ejge-4656	74	9	several	several	ADJ
ejge-4656	74	10	bank	bank	NOUN
ejge-4656	74	11	-	-	PUNCT
ejge-4656	74	12	specific	specific	ADJ
ejge-4656	74	13	and	and	CCONJ
ejge-4656	74	14	macroeconomic	macroeconomic	ADJ
ejge-4656	74	15	factors	factor	NOUN
ejge-4656	74	16	on	on	ADP
ejge-4656	74	17	banks	bank	NOUN
ejge-4656	74	18	’	'	PUNCT
ejge-4656	74	19	annual	annual	ADJ
ejge-4656	74	20	loan	loan	NOUN
ejge-4656	74	21	growth	growth	NOUN
ejge-4656	74	22	by	by	ADP
ejge-4656	74	23	employing	employ	VERB
ejge-4656	74	24	a	a	DET
ejge-4656	74	25	panel	panel	NOUN
ejge-4656	74	26	data	datum	NOUN
ejge-4656	74	27	of	of	ADP
ejge-4656	74	28	finnish	finnish	ADJ
ejge-4656	74	29	unlisted	unlisted	ADJ
ejge-4656	74	30	savings	saving	NOUN
ejge-4656	74	31	and	and	CCONJ
ejge-4656	74	32	cooperative	cooperative	ADJ
ejge-4656	74	33	banks	bank	NOUN
ejge-4656	74	34	’	'	PUNCT
ejge-4656	74	35	key	key	ADJ
ejge-4656	74	36	figures	figure	NOUN
ejge-4656	74	37	over	over	ADP
ejge-4656	74	38	the	the	DET
ejge-4656	74	39	period	period	NOUN
ejge-4656	74	40	2002	2002	NUM
ejge-4656	74	41	-	-	SYM
ejge-4656	74	42	2018	2018	NUM
ejge-4656	74	43	.	.	PUNCT
ejge-4656	75	1	the	the	DET
ejge-4656	75	2	specific	specific	ADJ
ejge-4656	75	3	interest	interest	NOUN
ejge-4656	75	4	is	be	AUX
ejge-4656	75	5	on	on	ADP
ejge-4656	75	6	the	the	DET
ejge-4656	75	7	regulation	regulation	NOUN
ejge-4656	75	8	dummy	dummy	ADJ
ejge-4656	75	9	variable	variable	NOUN
ejge-4656	75	10	“	"	PUNCT
ejge-4656	75	11	crd	crd	PROPN
ejge-4656	75	12	iv	iv	NUM
ejge-4656	75	13	”	"	PUNCT
ejge-4656	75	14	,	,	PUNCT
ejge-4656	75	15	which	which	PRON
ejge-4656	75	16	takes	take	VERB
ejge-4656	75	17	on	on	ADP
ejge-4656	75	18	the	the	DET
ejge-4656	75	19	value	value	NOUN
ejge-4656	75	20	of	of	ADP
ejge-4656	75	21	0	0	NUM
ejge-4656	75	22	for	for	ADP
ejge-4656	75	23	period	period	NOUN
ejge-4656	75	24	2002	2002	NUM
ejge-4656	75	25	-	-	SYM
ejge-4656	75	26	2013	2013	NUM
ejge-4656	75	27	and	and	CCONJ
ejge-4656	75	28	1	1	NUM
ejge-4656	75	29	otherwise	otherwise	ADV
ejge-4656	75	30	.	.	PUNCT
ejge-4656	76	1	although	although	SCONJ
ejge-4656	76	2	crd	crd	PROPN
ejge-4656	76	3	iv	iv	NOUN
ejge-4656	76	4	is	be	AUX
ejge-4656	76	5	an	an	DET
ejge-4656	76	6	encompassing	encompass	VERB
ejge-4656	76	7	regulation	regulation	NOUN
ejge-4656	76	8	,	,	PUNCT
ejge-4656	76	9	this	this	DET
ejge-4656	76	10	study	study	NOUN
ejge-4656	76	11	applies	apply	VERB
ejge-4656	76	12	it	it	PRON
ejge-4656	76	13	solely	solely	ADV
ejge-4656	76	14	as	as	ADP
ejge-4656	76	15	a	a	DET
ejge-4656	76	16	proxy	proxy	NOUN
ejge-4656	76	17	for	for	ADP
ejge-4656	76	18	“	"	PUNCT
ejge-4656	76	19	increased	increase	VERB
ejge-4656	76	20	capital	capital	NOUN
ejge-4656	76	21	requirements	requirement	NOUN
ejge-4656	76	22	”	"	PUNCT
ejge-4656	76	23	.	.	PUNCT
ejge-4656	77	1	the	the	DET
ejge-4656	77	2	dependent	dependent	ADJ
ejge-4656	77	3	variable	variable	ADJ
ejge-4656	77	4	“	"	PUNCT
ejge-4656	77	5	loan	loan	NOUN
ejge-4656	77	6	growth	growth	NOUN
ejge-4656	77	7	”	"	PUNCT
ejge-4656	77	8	is	be	AUX
ejge-4656	77	9	the	the	DET
ejge-4656	77	10	annual	annual	ADJ
ejge-4656	77	11	logarithmic	logarithmic	ADJ
ejge-4656	77	12	change	change	NOUN
ejge-4656	77	13	of	of	ADP
ejge-4656	77	14	banks	bank	NOUN
ejge-4656	77	15	’	’	PART
ejge-4656	77	16	total	total	ADJ
ejge-4656	77	17	loans	loan	NOUN
ejge-4656	77	18	to	to	ADP
ejge-4656	77	19	the	the	DET
ejge-4656	77	20	public	public	NOUN
ejge-4656	77	21	(	(	PUNCT
ejge-4656	77	22	excluding	exclude	VERB
ejge-4656	77	23	loans	loan	NOUN
ejge-4656	77	24	to	to	ADP
ejge-4656	77	25	other	other	ADJ
ejge-4656	77	26	institutions	institution	NOUN
ejge-4656	77	27	)	)	PUNCT
ejge-4656	77	28	.	.	PUNCT
ejge-4656	78	1	hence	hence	ADV
ejge-4656	78	2	,	,	PUNCT
ejge-4656	78	3	the	the	DET
ejge-4656	78	4	econometric	econometric	ADJ
ejge-4656	78	5	part	part	NOUN
ejge-4656	78	6	of	of	ADP
ejge-4656	78	7	this	this	DET
ejge-4656	78	8	study	study	NOUN
ejge-4656	78	9	is	be	AUX
ejge-4656	78	10	solely	solely	ADV
ejge-4656	78	11	focused	focused	ADJ
ejge-4656	78	12	on	on	ADP
ejge-4656	78	13	the	the	DET
ejge-4656	78	14	first	first	ADJ
ejge-4656	78	15	research	research	NOUN
ejge-4656	78	16	problem	problem	NOUN
ejge-4656	78	17	.	.	PUNCT
ejge-4656	79	1	while	while	SCONJ
ejge-4656	79	2	the	the	DET
ejge-4656	79	3	macroeconomic	macroeconomic	ADJ
ejge-4656	79	4	data	datum	NOUN
ejge-4656	79	5	was	be	AUX
ejge-4656	79	6	retrieved	retrieve	VERB
ejge-4656	79	7	from	from	ADP
ejge-4656	79	8	statistics	statistic	NOUN
ejge-4656	79	9	finland	finland	PROPN
ejge-4656	79	10	(	(	PUNCT
ejge-4656	79	11	tilastokeskus	tilastokeskus	PROPN
ejge-4656	79	12	)	)	PUNCT
ejge-4656	79	13	,	,	PUNCT
ejge-4656	79	14	the	the	DET
ejge-4656	79	15	bank	bank	NOUN
ejge-4656	79	16	key	key	ADJ
ejge-4656	79	17	figure	figure	NOUN
ejge-4656	79	18	data	datum	NOUN
ejge-4656	79	19	was	be	AUX
ejge-4656	79	20	obtained	obtain	VERB
ejge-4656	79	21	from	from	ADP
ejge-4656	79	22	the	the	DET
ejge-4656	79	23	finnish	finnish	ADJ
ejge-4656	79	24	financial	financial	ADJ
ejge-4656	79	25	supervisory	supervisory	ADJ
ejge-4656	79	26	authority	authority	NOUN
ejge-4656	79	27	’s	’s	PART
ejge-4656	79	28	(	(	PUNCT
ejge-4656	79	29	finanssivalvonta	finanssivalvonta	ADJ
ejge-4656	79	30	)	)	PUNCT
ejge-4656	79	31	website	website	NOUN
ejge-4656	79	32	.	.	PUNCT
ejge-4656	80	1	in	in	ADP
ejge-4656	80	2	total	total	ADJ
ejge-4656	80	3	,	,	PUNCT
ejge-4656	80	4	339	339	NUM
ejge-4656	80	5	unique	unique	ADJ
ejge-4656	80	6	bank	bank	NOUN
ejge-4656	80	7	identifiers	identifier	NOUN
ejge-4656	80	8	exist	exist	VERB
ejge-4656	80	9	in	in	ADP
ejge-4656	80	10	the	the	DET
ejge-4656	80	11	dataset	dataset	NOUN
ejge-4656	80	12	,	,	PUNCT
ejge-4656	80	13	though	though	SCONJ
ejge-4656	80	14	only	only	ADV
ejge-4656	80	15	188	188	NUM
ejge-4656	80	16	of	of	ADP
ejge-4656	80	17	them	they	PRON
ejge-4656	80	18	are	be	AUX
ejge-4656	80	19	identified	identify	VERB
ejge-4656	80	20	and	and	CCONJ
ejge-4656	80	21	measured	measure	VERB
ejge-4656	80	22	each	each	DET
ejge-4656	80	23	year	year	NOUN
ejge-4656	80	24	(	(	PUNCT
ejge-4656	80	25	17	17	NUM
ejge-4656	80	26	times	time	NOUN
ejge-4656	80	27	)	)	PUNCT
ejge-4656	80	28	.	.	PUNCT
ejge-4656	81	1	hence	hence	ADV
ejge-4656	81	2	,	,	PUNCT
ejge-4656	81	3	while	while	SCONJ
ejge-4656	81	4	38	38	NUM
ejge-4656	81	5	savings	saving	NOUN
ejge-4656	81	6	banks	bank	NOUN
ejge-4656	81	7	and	and	CCONJ
ejge-4656	81	8	279	279	NUM
ejge-4656	81	9	cooperative	cooperative	ADJ
ejge-4656	81	10	banks	bank	NOUN
ejge-4656	81	11	existed	exist	VERB
ejge-4656	81	12	in	in	ADP
ejge-4656	81	13	2002	2002	NUM
ejge-4656	81	14	,	,	PUNCT
ejge-4656	81	15	the	the	DET
ejge-4656	81	16	corresponding	corresponding	ADJ
ejge-4656	81	17	numbers	number	NOUN
ejge-4656	81	18	in	in	ADP
ejge-4656	81	19	2018	2018	NUM
ejge-4656	81	20	totaled	total	VERB
ejge-4656	81	21	at	at	ADP
ejge-4656	81	22	“	"	PUNCT
ejge-4656	81	23	just	just	ADV
ejge-4656	81	24	”	"	PUNCT
ejge-4656	81	25	23	23	NUM
ejge-4656	81	26	and	and	CCONJ
ejge-4656	81	27	182	182	NUM
ejge-4656	81	28	banks	bank	NOUN
ejge-4656	81	29	,	,	PUNCT
ejge-4656	81	30	respectively	respectively	ADV
ejge-4656	81	31	.	.	PUNCT
ejge-4656	82	1	namely	namely	ADV
ejge-4656	82	2	,	,	PUNCT
ejge-4656	82	3	the	the	DET
ejge-4656	82	4	change	change	NOUN
ejge-4656	82	5	in	in	ADP
ejge-4656	82	6	individual	individual	ADJ
ejge-4656	82	7	bank	bank	PROPN
ejge-4656	82	8	’s	’s	PART
ejge-4656	82	9	status	status	NOUN
ejge-4656	82	10	occurs	occur	VERB
ejge-4656	82	11	in	in	ADP
ejge-4656	82	12	two	two	NUM
ejge-4656	82	13	primary	primary	ADJ
ejge-4656	82	14	ways	way	NOUN
ejge-4656	82	15	:	:	PUNCT
ejge-4656	82	16	either	either	CCONJ
ejge-4656	82	17	the	the	DET
ejge-4656	82	18	bank	bank	NOUN
ejge-4656	82	19	is	be	AUX
ejge-4656	82	20	acquired	acquire	VERB
ejge-4656	82	21	by	by	ADP
ejge-4656	82	22	another	another	DET
ejge-4656	82	23	bank	bank	NOUN
ejge-4656	82	24	,	,	PUNCT
ejge-4656	82	25	which	which	PRON
ejge-4656	82	26	absorbs	absorb	VERB
ejge-4656	82	27	the	the	DET
ejge-4656	82	28	business	business	NOUN
ejge-4656	82	29	and	and	CCONJ
ejge-4656	82	30	proceeds	proceed	NOUN
ejge-4656	82	31	as	as	ADP
ejge-4656	82	32	a	a	DET
ejge-4656	82	33	larger	large	ADJ
ejge-4656	82	34	entity	entity	NOUN
ejge-4656	82	35	,	,	PUNCT
ejge-4656	82	36	or	or	CCONJ
ejge-4656	82	37	it	it	PRON
ejge-4656	82	38	joins	join	VERB
ejge-4656	82	39	a	a	DET
ejge-4656	82	40	merger	merger	NOUN
ejge-4656	82	41	of	of	ADP
ejge-4656	82	42	equals	equal	NOUN
ejge-4656	82	43	,	,	PUNCT
ejge-4656	82	44	where	where	SCONJ
ejge-4656	82	45	a	a	DET
ejge-4656	82	46	new	new	ADJ
ejge-4656	82	47	bank	bank	NOUN
ejge-4656	82	48	is	be	AUX
ejge-4656	82	49	established	establish	VERB
ejge-4656	82	50	after	after	SCONJ
ejge-4656	82	51	two	two	NUM
ejge-4656	82	52	or	or	CCONJ
ejge-4656	82	53	more	more	ADJ
ejge-4656	82	54	banks	bank	NOUN
ejge-4656	82	55	come	come	VERB
ejge-4656	82	56	together	together	ADV
ejge-4656	82	57	and	and	CCONJ
ejge-4656	82	58	cease	cease	VERB
ejge-4656	82	59	to	to	PART
ejge-4656	82	60	exist	exist	VERB
ejge-4656	82	61	as	as	ADP
ejge-4656	82	62	separate	separate	ADJ
ejge-4656	82	63	,	,	PUNCT
ejge-4656	82	64	independent	independent	ADJ
ejge-4656	82	65	entities	entity	NOUN
ejge-4656	82	66	.	.	PUNCT
ejge-4656	83	1	a	a	DET
ejge-4656	83	2	dummy	dummy	ADJ
ejge-4656	83	3	variable	variable	ADJ
ejge-4656	83	4	“	"	PUNCT
ejge-4656	83	5	consolidation	consolidation	NOUN
ejge-4656	83	6	”	"	PUNCT
ejge-4656	83	7	is	be	AUX
ejge-4656	83	8	used	use	VERB
ejge-4656	83	9	to	to	PART
ejge-4656	83	10	control	control	VERB
ejge-4656	83	11	acquiring	acquire	VERB
ejge-4656	83	12	bank	bank	NOUN
ejge-4656	83	13	’s	’s	PART
ejge-4656	83	14	consolidated	consolidated	ADJ
ejge-4656	83	15	figures	figure	NOUN
ejge-4656	83	16	in	in	ADP
ejge-4656	83	17	order	order	NOUN
ejge-4656	83	18	to	to	PART
ejge-4656	83	19	avoid	avoid	VERB
ejge-4656	83	20	spurious	spurious	ADJ
ejge-4656	83	21	jumps	jump	NOUN
ejge-4656	83	22	following	follow	VERB
ejge-4656	83	23	the	the	DET
ejge-4656	83	24	acquisition	acquisition	NOUN
ejge-4656	83	25	.	.	PUNCT
ejge-4656	84	1	m.	m.	NOUN
ejge-4656	84	2	huhtilainen	huhtilainen	PROPN
ejge-4656	84	3	/	/	SYM
ejge-4656	84	4	european	european	PROPN
ejge-4656	84	5	journal	journal	PROPN
ejge-4656	84	6	of	of	ADP
ejge-4656	84	7	government	government	NOUN
ejge-4656	84	8	and	and	CCONJ
ejge-4656	84	9	economics	economic	NOUN
ejge-4656	84	10	8(2	8(2	NUM
ejge-4656	84	11	)	)	PUNCT
ejge-4656	84	12	,	,	PUNCT
ejge-4656	84	13	december	december	PROPN
ejge-4656	84	14	2019	2019	NUM
ejge-4656	84	15	,	,	PUNCT
ejge-4656	84	16	203	203	NUM
ejge-4656	84	17	-	-	SYM
ejge-4656	84	18	217	217	NUM
ejge-4656	84	19	207	207	NUM
ejge-4656	84	20	    	    	SPACE
ejge-4656	84	21	table	table	NOUN
ejge-4656	84	22	2	2	NUM
ejge-4656	84	23	.	.	PUNCT
ejge-4656	85	1	variables	variable	NOUN
ejge-4656	85	2	and	and	CCONJ
ejge-4656	85	3	descriptive	descriptive	ADJ
ejge-4656	85	4	statistics	statistic	NOUN
ejge-4656	85	5	.	.	PUNCT
ejge-4656	86	1	obs	obs	PROPN
ejge-4656	86	2	.	.	PUNCT
ejge-4656	87	1	mean	mean	VERB
ejge-4656	87	2	standard	standard	ADJ
ejge-4656	87	3	deviation	deviation	NOUN
ejge-4656	87	4	min	min	PROPN
ejge-4656	87	5	max	max	PROPN
ejge-4656	87	6	description	description	PROPN
ejge-4656	87	7	dependent	dependent	ADJ
ejge-4656	87	8	variable	variable	ADJ
ejge-4656	87	9	loan	loan	NOUN
ejge-4656	87	10	growth	growth	NOUN
ejge-4656	87	11	4,361	4,361	NUM
ejge-4656	87	12	.06788	.06788	PROPN
ejge-4656	87	13	.08083	.08083	X
ejge-4656	88	1	-.2653	-.2653	PROPN
ejge-4656	88	2	1.7481	1.7481	NUM
ejge-4656	88	3	annual	annual	ADJ
ejge-4656	88	4	change	change	NOUN
ejge-4656	88	5	in	in	ADP
ejge-4656	88	6	bank	bank	NOUN
ejge-4656	88	7	lending	lending	NOUN
ejge-4656	88	8	independent	independent	ADJ
ejge-4656	88	9	variables	variable	NOUN
ejge-4656	88	10	consolidation	consolidation	NOUN
ejge-4656	88	11	0	0	NUM
ejge-4656	88	12	1	1	NUM
ejge-4656	88	13	a	a	DET
ejge-4656	88	14	dummy	dummy	NOUN
ejge-4656	88	15	to	to	PART
ejge-4656	88	16	capture	capture	VERB
ejge-4656	88	17	jumps	jump	VERB
ejge-4656	88	18	in	in	ADP
ejge-4656	88	19	acquiring	acquire	VERB
ejge-4656	88	20	bank	bank	NOUN
ejge-4656	88	21	’s	’s	PART
ejge-4656	88	22	figures	figure	NOUN
ejge-4656	88	23	after	after	ADP
ejge-4656	88	24	an	an	DET
ejge-4656	88	25	absorption	absorption	NOUN
ejge-4656	88	26	crd	crd	NOUN
ejge-4656	88	27	iv	iv	PUNCT
ejge-4656	88	28	0	0	NUM
ejge-4656	88	29	1	1	NUM
ejge-4656	88	30	bank	bank	NOUN
ejge-4656	88	31	regulation	regulation	NOUN
ejge-4656	88	32	dummy	dummy	NOUN
ejge-4656	88	33	:	:	PUNCT
ejge-4656	88	34	0	0	NUM
ejge-4656	88	35	=	=	SYM
ejge-4656	88	36	20022013	20022013	NUM
ejge-4656	88	37	,	,	PUNCT
ejge-4656	88	38	1	1	NUM
ejge-4656	88	39	=	=	SYM
ejge-4656	88	40	2014	2014	NUM
ejge-4656	88	41	-	-	SYM
ejge-4656	88	42	2018	2018	NUM
ejge-4656	88	43	gdp	gdp	NOUN
ejge-4656	88	44	growth	growth	NOUN
ejge-4656	88	45	rate	rate	NOUN
ejge-4656	88	46	4,700	4,700	NUM
ejge-4656	88	47	1.3530	1.3530	NUM
ejge-4656	88	48	3.0626	3.0626	NUM
ejge-4656	88	49	-8.3	-8.3	ADP
ejge-4656	88	50	5.2	5.2	NUM
ejge-4656	88	51	annual	annual	ADJ
ejge-4656	88	52	percentage	percentage	NOUN
ejge-4656	88	53	change	change	NOUN
ejge-4656	88	54	interest	interest	NOUN
ejge-4656	88	55	rate	rate	NOUN
ejge-4656	88	56	4,700	4,700	NUM
ejge-4656	88	57	1.6300	1.6300	NUM
ejge-4656	88	58	1.5540	1.5540	NUM
ejge-4656	88	59	-.329	-.329	PROPN
ejge-4656	88	60	4.644	4.644	NUM
ejge-4656	88	61	3	3	NUM
ejge-4656	88	62	month	month	NOUN
ejge-4656	88	63	euribor	euribor	NOUN
ejge-4656	88	64	,	,	PUNCT
ejge-4656	88	65	annual	annual	ADJ
ejge-4656	88	66	average	average	NOUN
ejge-4656	88	67	of	of	ADP
ejge-4656	88	68	the	the	DET
ejge-4656	88	69	daily	daily	ADJ
ejge-4656	88	70	values	value	NOUN
ejge-4656	88	71	household	household	NOUN
ejge-4656	88	72	indebtedness	indebtedness	NOUN
ejge-4656	88	73	4,700	4,700	NUM
ejge-4656	88	74	106.98	106.98	NUM
ejge-4656	88	75	17.157	17.157	NUM
ejge-4656	88	76	72.1	72.1	NUM
ejge-4656	88	77	128.6	128.6	NUM
ejge-4656	88	78	annual	annual	ADJ
ejge-4656	88	79	total	total	ADJ
ejge-4656	88	80	assets	asset	NOUN
ejge-4656	88	81	4,700	4,700	NUM
ejge-4656	88	82	198494.7	198494.7	NUM
ejge-4656	88	83	421470.7	421470.7	NUM
ejge-4656	88	84	4008	4008	NUM
ejge-4656	88	85	1.01e+07	1.01e+07	DET
ejge-4656	88	86	a	a	DET
ejge-4656	88	87	proxy	proxy	NOUN
ejge-4656	88	88	for	for	ADP
ejge-4656	88	89	size	size	NOUN
ejge-4656	88	90	off	off	ADP
ejge-4656	88	91	-	-	PUNCT
ejge-4656	88	92	balance	balance	NOUN
ejge-4656	88	93	sheet	sheet	NOUN
ejge-4656	88	94	items	item	NOUN
ejge-4656	88	95	/	/	SYM
ejge-4656	88	96	assets	asset	NOUN
ejge-4656	88	97	4,700	4,700	NUM
ejge-4656	88	98	4.7969	4.7969	NUM
ejge-4656	88	99	2.1002	2.1002	NUM
ejge-4656	88	100	.31371	.31371	PROPN
ejge-4656	88	101	18.258	18.258	NUM
ejge-4656	88	102	a	a	DET
ejge-4656	88	103	proxy	proxy	NOUN
ejge-4656	88	104	for	for	ADP
ejge-4656	88	105	off	off	ADP
ejge-4656	88	106	-	-	PUNCT
ejge-4656	88	107	balance	balance	NOUN
ejge-4656	88	108	sheet	sheet	NOUN
ejge-4656	88	109	activity	activity	NOUN
ejge-4656	88	110	,	,	PUNCT
ejge-4656	88	111	%	%	NOUN
ejge-4656	88	112	of	of	ADP
ejge-4656	88	113	total	total	ADJ
ejge-4656	88	114	assets	asset	NOUN
ejge-4656	88	115	equity	equity	NOUN
ejge-4656	88	116	/	/	SYM
ejge-4656	88	117	assets	asset	NOUN
ejge-4656	88	118	4,700	4,700	NUM
ejge-4656	88	119	12.088	12.088	NUM
ejge-4656	88	120	4.2965	4.2965	NUM
ejge-4656	88	121	.33770	.33770	PROPN
ejge-4656	88	122	29.742	29.742	NUM
ejge-4656	88	123	equity	equity	NOUN
ejge-4656	88	124	capital	capital	NOUN
ejge-4656	88	125	,	,	PUNCT
ejge-4656	88	126	%	%	NOUN
ejge-4656	88	127	of	of	ADP
ejge-4656	88	128	total	total	ADJ
ejge-4656	88	129	assets	asset	NOUN
ejge-4656	88	130	return	return	VERB
ejge-4656	88	131	on	on	ADP
ejge-4656	88	132	assets	asset	NOUN
ejge-4656	88	133	4,698	4,698	NUM
ejge-4656	88	134	1.0753	1.0753	NUM
ejge-4656	88	135	.6413	.6413	PUNCT
ejge-4656	88	136	5.1868	5.1868	NUM
ejge-4656	88	137	6.5713	6.5713	NUM
ejge-4656	88	138	operating	operating	NOUN
ejge-4656	88	139	income	income	NOUN
ejge-4656	88	140	(	(	PUNCT
ejge-4656	88	141	pre	pre	NOUN
ejge-4656	88	142	-	-	NOUN
ejge-4656	88	143	tax	tax	NOUN
ejge-4656	88	144	)	)	PUNCT
ejge-4656	88	145	,	,	PUNCT
ejge-4656	88	146	%	%	NOUN
ejge-4656	88	147	of	of	ADP
ejge-4656	88	148	total	total	ADJ
ejge-4656	88	149	assets	asset	NOUN
ejge-4656	88	150	cost	cost	NOUN
ejge-4656	88	151	/	/	SYM
ejge-4656	88	152	income	income	NOUN
ejge-4656	88	153	ratio	ratio	NOUN
ejge-4656	88	154	4,700	4,700	NUM
ejge-4656	88	155	63.108	63.108	NUM
ejge-4656	88	156	15.814	15.814	NUM
ejge-4656	88	157	10.405	10.405	NUM
ejge-4656	88	158	518.8	518.8	NUM
ejge-4656	88	159	a	a	DET
ejge-4656	88	160	proxy	proxy	NOUN
ejge-4656	88	161	for	for	ADP
ejge-4656	88	162	efficiency	efficiency	NOUN
ejge-4656	88	163	note	note	NOUN
ejge-4656	88	164	.	.	PUNCT
ejge-4656	89	1	the	the	DET
ejge-4656	89	2	descriptive	descriptive	ADJ
ejge-4656	89	3	statistics	statistic	NOUN
ejge-4656	89	4	do	do	AUX
ejge-4656	89	5	not	not	PART
ejge-4656	89	6	take	take	VERB
ejge-4656	89	7	into	into	ADP
ejge-4656	89	8	account	account	NOUN
ejge-4656	89	9	the	the	DET
ejge-4656	89	10	panel	panel	NOUN
ejge-4656	89	11	data	datum	NOUN
ejge-4656	89	12	structure	structure	NOUN
ejge-4656	89	13	.	.	PUNCT
ejge-4656	90	1	that	that	PRON
ejge-4656	90	2	is	is	ADV
ejge-4656	90	3	,	,	PUNCT
ejge-4656	90	4	the	the	DET
ejge-4656	90	5	means	mean	NOUN
ejge-4656	90	6	and	and	CCONJ
ejge-4656	90	7	standard	standard	ADJ
ejge-4656	90	8	deviations	deviation	NOUN
ejge-4656	90	9	have	have	AUX
ejge-4656	90	10	been	be	AUX
ejge-4656	90	11	calculated	calculate	VERB
ejge-4656	90	12	across	across	ADP
ejge-4656	90	13	all	all	DET
ejge-4656	90	14	banks	bank	NOUN
ejge-4656	90	15	in	in	ADP
ejge-4656	90	16	all	all	DET
ejge-4656	90	17	years	year	NOUN
ejge-4656	90	18	.	.	PUNCT
ejge-4656	91	1	table	table	NOUN
ejge-4656	91	2	2	2	NUM
ejge-4656	91	3	presents	present	VERB
ejge-4656	91	4	the	the	DET
ejge-4656	91	5	variables	variable	NOUN
ejge-4656	91	6	and	and	CCONJ
ejge-4656	91	7	descriptive	descriptive	ADJ
ejge-4656	91	8	statistics	statistic	NOUN
ejge-4656	91	9	.	.	PUNCT
ejge-4656	92	1	we	we	PRON
ejge-4656	92	2	estimate	estimate	VERB
ejge-4656	92	3	the	the	DET
ejge-4656	92	4	following	follow	VERB
ejge-4656	92	5	baseline	baseline	NOUN
ejge-4656	92	6	model	model	NOUN
ejge-4656	92	7	:	:	PUNCT
ejge-4656	92	8	𝛥𝑦	𝛥𝑦	PROPN
ejge-4656	92	9	𝛼	𝛼	PRON
ejge-4656	92	10	𝑿′	𝑿′	PROPN
ejge-4656	92	11	,	,	PUNCT
ejge-4656	92	12	𝛽	𝛽	PROPN
ejge-4656	92	13	𝑿′	𝑿′	PROPN
ejge-4656	92	14	𝛾	𝛾	PROPN
ejge-4656	92	15	𝑾′	𝑾′	X
ejge-4656	92	16	𝜁	𝜁	NOUN
ejge-4656	92	17	𝜇	𝜇	X
ejge-4656	92	18	[	[	X
ejge-4656	92	19	1	1	NUM
ejge-4656	92	20	]	]	PUNCT
ejge-4656	92	21	where	where	SCONJ
ejge-4656	92	22	𝑿s	𝑿	NOUN
ejge-4656	92	23	include	include	VERB
ejge-4656	92	24	the	the	DET
ejge-4656	92	25	once	once	ADV
ejge-4656	92	26	-	-	PUNCT
ejge-4656	92	27	lagged	lag	VERB
ejge-4656	92	28	bank	bank	NOUN
ejge-4656	92	29	-	-	PUNCT
ejge-4656	92	30	specific	specific	ADJ
ejge-4656	92	31	and	and	CCONJ
ejge-4656	92	32	macroeconomic	macroeconomic	ADJ
ejge-4656	92	33	explanatory	explanatory	ADJ
ejge-4656	92	34	variables	variable	NOUN
ejge-4656	92	35	,	,	PUNCT
ejge-4656	92	36	𝑾	𝑾	PROPN
ejge-4656	92	37	is	be	AUX
ejge-4656	92	38	the	the	DET
ejge-4656	92	39	set	set	NOUN
ejge-4656	92	40	of	of	ADP
ejge-4656	92	41	dummy	dummy	ADJ
ejge-4656	92	42	variables	variable	NOUN
ejge-4656	92	43	and	and	CCONJ
ejge-4656	92	44	𝜇	𝜇	X
ejge-4656	92	45	is	be	AUX
ejge-4656	92	46	the	the	DET
ejge-4656	92	47	error	error	NOUN
ejge-4656	92	48	term	term	NOUN
ejge-4656	92	49	.	.	PUNCT
ejge-4656	93	1	all	all	DET
ejge-4656	93	2	bank	bank	NOUN
ejge-4656	93	3	-	-	PUNCT
ejge-4656	93	4	specific	specific	ADJ
ejge-4656	93	5	variables	variable	NOUN
ejge-4656	93	6	are	be	AUX
ejge-4656	93	7	in	in	ADP
ejge-4656	93	8	natural	natural	ADJ
ejge-4656	93	9	logarithms	logarithm	NOUN
ejge-4656	93	10	.	.	PUNCT
ejge-4656	94	1	m.	m.	NOUN
ejge-4656	94	2	huhtilainen	huhtilainen	PROPN
ejge-4656	94	3	/	/	SYM
ejge-4656	94	4	european	european	PROPN
ejge-4656	94	5	journal	journal	PROPN
ejge-4656	94	6	of	of	ADP
ejge-4656	94	7	government	government	NOUN
ejge-4656	94	8	and	and	CCONJ
ejge-4656	94	9	economics	economic	NOUN
ejge-4656	94	10	8(2	8(2	NUM
ejge-4656	94	11	)	)	PUNCT
ejge-4656	94	12	,	,	PUNCT
ejge-4656	94	13	december	december	PROPN
ejge-4656	94	14	2019	2019	NUM
ejge-4656	94	15	,	,	PUNCT
ejge-4656	94	16	203	203	NUM
ejge-4656	94	17	-	-	SYM
ejge-4656	94	18	217	217	NUM
ejge-4656	94	19	208	208	NUM
ejge-4656	94	20	    	    	SPACE
ejge-4656	94	21	3.2	3.2	NUM
ejge-4656	94	22	.	.	PUNCT
ejge-4656	95	1	survey	survey	VERB
ejge-4656	95	2	the	the	DET
ejge-4656	95	3	second	second	ADJ
ejge-4656	95	4	part	part	NOUN
ejge-4656	95	5	of	of	ADP
ejge-4656	95	6	the	the	DET
ejge-4656	95	7	study	study	NOUN
ejge-4656	95	8	tackles	tackle	VERB
ejge-4656	95	9	both	both	DET
ejge-4656	95	10	research	research	NOUN
ejge-4656	95	11	problems	problem	NOUN
ejge-4656	95	12	.	.	PUNCT
ejge-4656	96	1	the	the	DET
ejge-4656	96	2	data	datum	NOUN
ejge-4656	96	3	is	be	AUX
ejge-4656	96	4	based	base	VERB
ejge-4656	96	5	on	on	ADP
ejge-4656	96	6	the	the	DET
ejge-4656	96	7	relevant	relevant	ADJ
ejge-4656	96	8	parts	part	NOUN
ejge-4656	96	9	of	of	ADP
ejge-4656	96	10	a	a	DET
ejge-4656	96	11	bank	bank	NOUN
ejge-4656	96	12	survey	survey	NOUN
ejge-4656	96	13	conducted	conduct	VERB
ejge-4656	96	14	in	in	ADP
ejge-4656	96	15	2016	2016	NUM
ejge-4656	96	16	with	with	ADP
ejge-4656	96	17	personnel	personnel	NOUN
ejge-4656	96	18	of	of	ADP
ejge-4656	96	19	finnish	finnish	ADJ
ejge-4656	96	20	institutions	institution	NOUN
ejge-4656	96	21	.	.	PUNCT
ejge-4656	97	1	respondents	respondent	NOUN
ejge-4656	97	2	included	include	VERB
ejge-4656	97	3	business	business	NOUN
ejge-4656	97	4	area	area	NOUN
ejge-4656	97	5	directors	director	NOUN
ejge-4656	97	6	,	,	PUNCT
ejge-4656	97	7	risk	risk	NOUN
ejge-4656	97	8	officers	officer	NOUN
ejge-4656	97	9	and	and	CCONJ
ejge-4656	97	10	in	in	ADP
ejge-4656	97	11	one	one	NUM
ejge-4656	97	12	case	case	NOUN
ejge-4656	97	13	,	,	PUNCT
ejge-4656	97	14	a	a	DET
ejge-4656	97	15	chief	chief	ADJ
ejge-4656	97	16	executive	executive	ADJ
ejge-4656	97	17	officer	officer	NOUN
ejge-4656	97	18	.	.	PUNCT
ejge-4656	98	1	they	they	PRON
ejge-4656	98	2	represented	represent	VERB
ejge-4656	98	3	commercial	commercial	ADJ
ejge-4656	98	4	,	,	PUNCT
ejge-4656	98	5	cooperative	cooperative	ADJ
ejge-4656	98	6	and	and	CCONJ
ejge-4656	98	7	savings	saving	NOUN
ejge-4656	98	8	banks	bank	NOUN
ejge-4656	98	9	as	as	ADV
ejge-4656	98	10	well	well	ADV
ejge-4656	98	11	as	as	ADP
ejge-4656	98	12	one	one	NUM
ejge-4656	98	13	credit	credit	NOUN
ejge-4656	98	14	institution	institution	NOUN
ejge-4656	98	15	.	.	PUNCT
ejge-4656	99	1	three	three	NUM
ejge-4656	99	2	bank	bank	NOUN
ejge-4656	99	3	groups	group	NOUN
ejge-4656	99	4	are	be	AUX
ejge-4656	99	5	involved	involve	VERB
ejge-4656	99	6	in	in	ADP
ejge-4656	99	7	both	both	DET
ejge-4656	99	8	datasets	dataset	NOUN
ejge-4656	99	9	.	.	PUNCT
ejge-4656	100	1	the	the	DET
ejge-4656	100	2	survey	survey	NOUN
ejge-4656	100	3	consists	consist	VERB
ejge-4656	100	4	of	of	ADP
ejge-4656	100	5	four	four	NUM
ejge-4656	100	6	thematic	thematic	ADJ
ejge-4656	100	7	parts	part	NOUN
ejge-4656	100	8	and	and	CCONJ
ejge-4656	100	9	a	a	DET
ejge-4656	100	10	total	total	NOUN
ejge-4656	100	11	of	of	ADP
ejge-4656	100	12	27	27	NUM
ejge-4656	100	13	individual	individual	ADJ
ejge-4656	100	14	items	item	NOUN
ejge-4656	100	15	.	.	PUNCT
ejge-4656	101	1	first	first	ADV
ejge-4656	101	2	,	,	PUNCT
ejge-4656	101	3	the	the	DET
ejge-4656	101	4	respondents	respondent	NOUN
ejge-4656	101	5	were	be	AUX
ejge-4656	101	6	asked	ask	VERB
ejge-4656	101	7	to	to	PART
ejge-4656	101	8	examine	examine	VERB
ejge-4656	101	9	the	the	DET
ejge-4656	101	10	change	change	NOUN
ejge-4656	101	11	in	in	ADP
ejge-4656	101	12	loan	loan	NOUN
ejge-4656	101	13	terms	term	NOUN
ejge-4656	101	14	for	for	ADP
ejge-4656	101	15	different	different	ADJ
ejge-4656	101	16	lending	lending	NOUN
ejge-4656	101	17	scenarios	scenario	NOUN
ejge-4656	101	18	.	.	PUNCT
ejge-4656	102	1	this	this	DET
ejge-4656	102	2	study	study	NOUN
ejge-4656	102	3	interprets	interpret	VERB
ejge-4656	102	4	the	the	DET
ejge-4656	102	5	expression	expression	NOUN
ejge-4656	102	6	“	"	PUNCT
ejge-4656	102	7	loan	loan	NOUN
ejge-4656	102	8	term	term	NOUN
ejge-4656	102	9	”	"	PUNCT
ejge-4656	102	10	as	as	ADP
ejge-4656	102	11	a	a	DET
ejge-4656	102	12	proxy	proxy	NOUN
ejge-4656	102	13	for	for	ADP
ejge-4656	102	14	loan	loan	NOUN
ejge-4656	102	15	supply	supply	NOUN
ejge-4656	102	16	.	.	PUNCT
ejge-4656	103	1	further	far	ADV
ejge-4656	103	2	,	,	PUNCT
ejge-4656	103	3	the	the	DET
ejge-4656	103	4	second	second	ADJ
ejge-4656	103	5	and	and	CCONJ
ejge-4656	103	6	third	third	ADJ
ejge-4656	103	7	question	question	NOUN
ejge-4656	103	8	sets	set	NOUN
ejge-4656	103	9	considered	consider	VERB
ejge-4656	103	10	changes	change	NOUN
ejge-4656	103	11	in	in	ADP
ejge-4656	103	12	both	both	DET
ejge-4656	103	13	supply	supply	NOUN
ejge-4656	103	14	and	and	CCONJ
ejge-4656	103	15	the	the	DET
ejge-4656	103	16	price	price	NOUN
ejge-4656	103	17	of	of	ADP
ejge-4656	103	18	credit	credit	NOUN
ejge-4656	103	19	.	.	PUNCT
ejge-4656	104	1	lastly	lastly	ADV
ejge-4656	104	2	,	,	PUNCT
ejge-4656	104	3	the	the	DET
ejge-4656	104	4	respondents	respondent	NOUN
ejge-4656	104	5	were	be	AUX
ejge-4656	104	6	asked	ask	VERB
ejge-4656	104	7	to	to	PART
ejge-4656	104	8	assess	assess	VERB
ejge-4656	104	9	the	the	DET
ejge-4656	104	10	importance	importance	NOUN
ejge-4656	104	11	of	of	ADP
ejge-4656	104	12	different	different	ADJ
ejge-4656	104	13	factors	factor	NOUN
ejge-4656	104	14	on	on	ADP
ejge-4656	104	15	the	the	DET
ejge-4656	104	16	recent	recent	ADJ
ejge-4656	104	17	development	development	NOUN
ejge-4656	104	18	of	of	ADP
ejge-4656	104	19	their	their	PRON
ejge-4656	104	20	profitability	profitability	NOUN
ejge-4656	104	21	.	.	PUNCT
ejge-4656	105	1	although	although	SCONJ
ejge-4656	105	2	the	the	DET
ejge-4656	105	3	survey	survey	NOUN
ejge-4656	105	4	is	be	AUX
ejge-4656	105	5	near	near	ADP
ejge-4656	105	6	fully	fully	ADV
ejge-4656	105	7	representative	representative	ADJ
ejge-4656	105	8	of	of	ADP
ejge-4656	105	9	the	the	DET
ejge-4656	105	10	finnish	finnish	ADJ
ejge-4656	105	11	banking	banking	NOUN
ejge-4656	105	12	sector	sector	NOUN
ejge-4656	105	13	in	in	ADP
ejge-4656	105	14	terms	term	NOUN
ejge-4656	105	15	of	of	ADP
ejge-4656	105	16	aggregate	aggregate	ADJ
ejge-4656	105	17	capital	capital	NOUN
ejge-4656	105	18	and	and	CCONJ
ejge-4656	105	19	market	market	NOUN
ejge-4656	105	20	value	value	NOUN
ejge-4656	105	21	,	,	PUNCT
ejge-4656	105	22	the	the	DET
ejge-4656	105	23	small	small	ADJ
ejge-4656	105	24	n	n	NOUN
ejge-4656	105	25	(=	(=	NOUN
ejge-4656	105	26	7	7	NUM
ejge-4656	105	27	)	)	PUNCT
ejge-4656	105	28	provides	provide	VERB
ejge-4656	105	29	the	the	DET
ejge-4656	105	30	analysis	analysis	NOUN
ejge-4656	105	31	is	be	AUX
ejge-4656	105	32	entirely	entirely	ADV
ejge-4656	105	33	qualitative	qualitative	ADJ
ejge-4656	105	34	.	.	PUNCT
ejge-4656	106	1	secondly	secondly	ADV
ejge-4656	106	2	,	,	PUNCT
ejge-4656	106	3	respondents	respondent	NOUN
ejge-4656	106	4	’	'	PUNCT
ejge-4656	106	5	answers	answer	NOUN
ejge-4656	106	6	shall	shall	AUX
ejge-4656	106	7	not	not	PART
ejge-4656	106	8	be	be	AUX
ejge-4656	106	9	considered	consider	VERB
ejge-4656	106	10	an	an	DET
ejge-4656	106	11	accurate	accurate	ADJ
ejge-4656	106	12	and	and	CCONJ
ejge-4656	106	13	objective	objective	ADJ
ejge-4656	106	14	reflection	reflection	NOUN
ejge-4656	106	15	of	of	ADP
ejge-4656	106	16	the	the	DET
ejge-4656	106	17	banks	bank	NOUN
ejge-4656	106	18	’	’	PART
ejge-4656	106	19	actual	actual	ADJ
ejge-4656	106	20	strategic	strategic	ADJ
ejge-4656	106	21	behavior	behavior	NOUN
ejge-4656	106	22	.	.	PUNCT
ejge-4656	107	1	rather	rather	ADV
ejge-4656	107	2	,	,	PUNCT
ejge-4656	107	3	the	the	DET
ejge-4656	107	4	answers	answer	NOUN
ejge-4656	107	5	are	be	AUX
ejge-4656	107	6	suggested	suggest	VERB
ejge-4656	107	7	to	to	PART
ejge-4656	107	8	reflect	reflect	VERB
ejge-4656	107	9	personal	personal	ADJ
ejge-4656	107	10	,	,	PUNCT
ejge-4656	107	11	subjective	subjective	ADJ
ejge-4656	107	12	views	view	NOUN
ejge-4656	107	13	on	on	ADP
ejge-4656	107	14	issues	issue	NOUN
ejge-4656	107	15	brought	bring	VERB
ejge-4656	107	16	up	up	ADP
ejge-4656	107	17	in	in	ADP
ejge-4656	107	18	the	the	DET
ejge-4656	107	19	survey	survey	NOUN
ejge-4656	107	20	.	.	PUNCT
ejge-4656	108	1	thus	thus	ADV
ejge-4656	108	2	,	,	PUNCT
ejge-4656	108	3	the	the	DET
ejge-4656	108	4	paper	paper	NOUN
ejge-4656	108	5	only	only	ADV
ejge-4656	108	6	reports	report	VERB
ejge-4656	108	7	descriptive	descriptive	ADJ
ejge-4656	108	8	statistics	statistic	NOUN
ejge-4656	108	9	,	,	PUNCT
ejge-4656	108	10	including	include	VERB
ejge-4656	108	11	the	the	DET
ejge-4656	108	12	median	median	ADJ
ejge-4656	108	13	,	,	PUNCT
ejge-4656	108	14	mode	mode	NOUN
ejge-4656	108	15	and	and	CCONJ
ejge-4656	108	16	the	the	DET
ejge-4656	108	17	range	range	NOUN
ejge-4656	108	18	of	of	ADP
ejge-4656	108	19	the	the	DET
ejge-4656	108	20	numerical	numerical	ADJ
ejge-4656	108	21	values	value	NOUN
ejge-4656	108	22	assigned	assign	VERB
ejge-4656	108	23	to	to	ADP
ejge-4656	108	24	different	different	ADJ
ejge-4656	108	25	answer	answer	NOUN
ejge-4656	108	26	options	option	NOUN
ejge-4656	108	27	.	.	PUNCT
ejge-4656	109	1	results	result	NOUN
ejge-4656	109	2	are	be	AUX
ejge-4656	109	3	discussed	discuss	VERB
ejge-4656	109	4	together	together	ADV
ejge-4656	109	5	with	with	ADP
ejge-4656	109	6	and	and	CCONJ
ejge-4656	109	7	analyzed	analyze	VERB
ejge-4656	109	8	against	against	ADP
ejge-4656	109	9	the	the	DET
ejge-4656	109	10	findings	finding	NOUN
ejge-4656	109	11	from	from	ADP
ejge-4656	109	12	prior	prior	ADJ
ejge-4656	109	13	studies	study	NOUN
ejge-4656	109	14	.	.	PUNCT
ejge-4656	110	1	4	4	X
ejge-4656	110	2	.	.	NOUN
ejge-4656	110	3	results	result	VERB
ejge-4656	110	4	4.1	4.1	NUM
ejge-4656	110	5	.	.	PUNCT
ejge-4656	111	1	key	key	ADJ
ejge-4656	111	2	financial	financial	ADJ
ejge-4656	111	3	figures	figure	NOUN
ejge-4656	111	4	at	at	ADP
ejge-4656	111	5	first	first	ADV
ejge-4656	111	6	,	,	PUNCT
ejge-4656	111	7	a	a	DET
ejge-4656	111	8	naïve	naïve	ADJ
ejge-4656	111	9	pooled	pool	VERB
ejge-4656	111	10	ols	ol	NOUN
ejge-4656	111	11	estimator	estimator	NOUN
ejge-4656	111	12	is	be	AUX
ejge-4656	111	13	employed	employ	VERB
ejge-4656	111	14	.	.	PUNCT
ejge-4656	112	1	results	result	NOUN
ejge-4656	112	2	are	be	AUX
ejge-4656	112	3	reported	report	VERB
ejge-4656	112	4	in	in	ADP
ejge-4656	112	5	table	table	NOUN
ejge-4656	112	6	3	3	NUM
ejge-4656	112	7	.	.	PUNCT
ejge-4656	113	1	since	since	SCONJ
ejge-4656	113	2	the	the	DET
ejge-4656	113	3	acquisition	acquisition	NOUN
ejge-4656	113	4	of	of	ADP
ejge-4656	113	5	another	another	DET
ejge-4656	113	6	bank	bank	NOUN
ejge-4656	113	7	is	be	AUX
ejge-4656	113	8	expected	expect	VERB
ejge-4656	113	9	to	to	PART
ejge-4656	113	10	increase	increase	VERB
ejge-4656	113	11	the	the	DET
ejge-4656	113	12	value	value	NOUN
ejge-4656	113	13	of	of	ADP
ejge-4656	113	14	acquirer	acquirer	NOUN
ejge-4656	113	15	’s	’s	PART
ejge-4656	113	16	loan	loan	NOUN
ejge-4656	113	17	portfolio	portfolio	NOUN
ejge-4656	113	18	,	,	PUNCT
ejge-4656	113	19	it	it	PRON
ejge-4656	113	20	is	be	AUX
ejge-4656	113	21	fairly	fairly	ADV
ejge-4656	113	22	unsurprising	unsurprising	ADJ
ejge-4656	113	23	that	that	SCONJ
ejge-4656	113	24	the	the	DET
ejge-4656	113	25	dummy	dummy	ADJ
ejge-4656	113	26	variable	variable	ADJ
ejge-4656	113	27	consolidation	consolidation	NOUN
ejge-4656	113	28	enters	enter	VERB
ejge-4656	113	29	positive	positive	ADJ
ejge-4656	113	30	and	and	CCONJ
ejge-4656	113	31	statistically	statistically	ADV
ejge-4656	113	32	highly	highly	ADV
ejge-4656	113	33	significant	significant	ADJ
ejge-4656	113	34	in	in	ADP
ejge-4656	113	35	each	each	DET
ejge-4656	113	36	specification	specification	NOUN
ejge-4656	113	37	.	.	PUNCT
ejge-4656	114	1	interestingly	interestingly	ADV
ejge-4656	114	2	though	though	ADV
ejge-4656	114	3	,	,	PUNCT
ejge-4656	114	4	the	the	DET
ejge-4656	114	5	results	result	NOUN
ejge-4656	114	6	suggest	suggest	VERB
ejge-4656	114	7	a	a	DET
ejge-4656	114	8	negative	negative	ADJ
ejge-4656	114	9	relationship	relationship	NOUN
ejge-4656	114	10	between	between	ADP
ejge-4656	114	11	bank	bank	NOUN
ejge-4656	114	12	size	size	NOUN
ejge-4656	114	13	(	(	PUNCT
ejge-4656	114	14	proxied	proxie	VERB
ejge-4656	114	15	by	by	ADP
ejge-4656	114	16	total	total	ADJ
ejge-4656	114	17	assets	asset	NOUN
ejge-4656	114	18	)	)	PUNCT
ejge-4656	114	19	and	and	CCONJ
ejge-4656	114	20	loan	loan	NOUN
ejge-4656	114	21	growth	growth	NOUN
ejge-4656	114	22	.	.	PUNCT
ejge-4656	115	1	the	the	DET
ejge-4656	115	2	regulation	regulation	NOUN
ejge-4656	115	3	dummy	dummy	ADJ
ejge-4656	115	4	crd	crd	PROPN
ejge-4656	115	5	iv	iv	PRON
ejge-4656	115	6	enters	enter	VERB
ejge-4656	115	7	negative	negative	ADJ
ejge-4656	115	8	and	and	CCONJ
ejge-4656	115	9	statistically	statistically	ADV
ejge-4656	115	10	significant	significant	ADJ
ejge-4656	115	11	,	,	PUNCT
ejge-4656	115	12	suggesting	suggest	VERB
ejge-4656	115	13	a	a	DET
ejge-4656	115	14	decrease	decrease	NOUN
ejge-4656	115	15	in	in	ADP
ejge-4656	115	16	bank	bank	NOUN
ejge-4656	115	17	lending	lending	NOUN
ejge-4656	115	18	under	under	ADP
ejge-4656	115	19	the	the	DET
ejge-4656	115	20	renewed	renew	VERB
ejge-4656	115	21	regulatory	regulatory	ADJ
ejge-4656	115	22	environment	environment	NOUN
ejge-4656	115	23	.	.	PUNCT
ejge-4656	116	1	although	although	SCONJ
ejge-4656	116	2	this	this	DET
ejge-4656	116	3	result	result	NOUN
ejge-4656	116	4	does	do	AUX
ejge-4656	116	5	not	not	PART
ejge-4656	116	6	necessarily	necessarily	ADV
ejge-4656	116	7	contradict	contradict	VERB
ejge-4656	116	8	the	the	DET
ejge-4656	116	9	european	european	PROPN
ejge-4656	116	10	central	central	PROPN
ejge-4656	116	11	bank	bank	PROPN
ejge-4656	116	12	(	(	PUNCT
ejge-4656	116	13	2016	2016	NUM
ejge-4656	116	14	)	)	PUNCT
ejge-4656	116	15	,	,	PUNCT
ejge-4656	116	16	it	it	PRON
ejge-4656	116	17	is	be	AUX
ejge-4656	116	18	nevertheless	nevertheless	ADV
ejge-4656	116	19	noteworthy	noteworthy	ADJ
ejge-4656	116	20	that	that	SCONJ
ejge-4656	116	21	the	the	DET
ejge-4656	116	22	ecb	ecb	NOUN
ejge-4656	116	23	noted	note	VERB
ejge-4656	116	24	a	a	DET
ejge-4656	116	25	shift	shift	NOUN
ejge-4656	116	26	among	among	ADP
ejge-4656	116	27	euro	euro	PROPN
ejge-4656	116	28	area	area	NOUN
ejge-4656	116	29	banks	bank	NOUN
ejge-4656	116	30	from	from	ADP
ejge-4656	116	31	investment	investment	NOUN
ejge-4656	116	32	banking	banking	NOUN
ejge-4656	116	33	,	,	PUNCT
ejge-4656	116	34	wholesale	wholesale	ADJ
ejge-4656	116	35	lending	lending	NOUN
ejge-4656	116	36	and	and	CCONJ
ejge-4656	116	37	lending	lending	NOUN
ejge-4656	116	38	in	in	ADP
ejge-4656	116	39	higher	high	ADJ
ejge-4656	116	40	-	-	PUNCT
ejge-4656	116	41	risk	risk	NOUN
ejge-4656	116	42	sectors	sector	NOUN
ejge-4656	116	43	towards	towards	ADP
ejge-4656	116	44	retail	retail	ADJ
ejge-4656	116	45	businesses	business	NOUN
ejge-4656	116	46	,	,	PUNCT
ejge-4656	116	47	as	as	SCONJ
ejge-4656	116	48	crd	crd	PROPN
ejge-4656	116	49	iv	iv	NUM
ejge-4656	116	50	has	have	AUX
ejge-4656	116	51	made	make	VERB
ejge-4656	116	52	riskier	risky	ADJ
ejge-4656	116	53	business	business	NOUN
ejge-4656	116	54	activities	activity	NOUN
ejge-4656	116	55	costlier	costly	ADJ
ejge-4656	116	56	.	.	PUNCT
ejge-4656	117	1	m.	m.	NOUN
ejge-4656	117	2	huhtilainen	huhtilainen	PROPN
ejge-4656	117	3	/	/	SYM
ejge-4656	117	4	european	european	PROPN
ejge-4656	117	5	journal	journal	PROPN
ejge-4656	117	6	of	of	ADP
ejge-4656	117	7	government	government	NOUN
ejge-4656	117	8	and	and	CCONJ
ejge-4656	117	9	economics	economic	NOUN
ejge-4656	117	10	8(2	8(2	NUM
ejge-4656	117	11	)	)	PUNCT
ejge-4656	117	12	,	,	PUNCT
ejge-4656	117	13	december	december	PROPN
ejge-4656	117	14	2019	2019	NUM
ejge-4656	117	15	,	,	PUNCT
ejge-4656	117	16	203	203	NUM
ejge-4656	117	17	-	-	SYM
ejge-4656	117	18	217	217	NUM
ejge-4656	117	19	209	209	NUM
ejge-4656	117	20	    	    	SPACE
ejge-4656	117	21	table	table	NOUN
ejge-4656	117	22	3	3	NUM
ejge-4656	117	23	.	.	PUNCT
ejge-4656	118	1	ols	ol	NOUN
ejge-4656	118	2	estimations	estimation	NOUN
ejge-4656	118	3	.	.	PUNCT
ejge-4656	119	1	i	i	PRON
ejge-4656	119	2	ii	ii	VERB
ejge-4656	119	3	iii	iii	NUM
ejge-4656	119	4	iv	iv	NUM
ejge-4656	119	5	v	v	NUM
ejge-4656	119	6	consolidation	consolidation	NOUN
ejge-4656	119	7	.07202	.07202	NOUN
ejge-4656	120	1	*	*	PUNCT
ejge-4656	121	1	*	*	PUNCT
ejge-4656	121	2	*	*	PUNCT
ejge-4656	121	3	.07342	.07342	PROPN
ejge-4656	121	4	*	*	PUNCT
ejge-4656	121	5	*	*	PUNCT
ejge-4656	121	6	*	*	PUNCT
ejge-4656	122	1	.08054	.08054	PUNCT
ejge-4656	122	2	*	*	PUNCT
ejge-4656	123	1	*	*	PUNCT
ejge-4656	123	2	*	*	PUNCT
ejge-4656	123	3	.08017	.08017	PUNCT
ejge-4656	123	4	*	*	PUNCT
ejge-4656	123	5	*	*	PUNCT
ejge-4656	123	6	*	*	PUNCT
ejge-4656	123	7	.07999	.07999	PRON
ejge-4656	123	8	*	*	PUNCT
ejge-4656	123	9	*	*	PUNCT
ejge-4656	123	10	*	*	PUNCT
ejge-4656	123	11	(	(	PUNCT
ejge-4656	123	12	.01405	.01405	PROPN
ejge-4656	123	13	)	)	PUNCT
ejge-4656	123	14	(	(	PUNCT
ejge-4656	123	15	.01400	.01400	NOUN
ejge-4656	123	16	)	)	PUNCT
ejge-4656	123	17	(	(	PUNCT
ejge-4656	123	18	.01423	.01423	NOUN
ejge-4656	123	19	)	)	PUNCT
ejge-4656	123	20	(	(	PUNCT
ejge-4656	123	21	.01413	.01413	PROPN
ejge-4656	123	22	)	)	PUNCT
ejge-4656	123	23	(	(	PUNCT
ejge-4656	123	24	.01432	.01432	PROPN
ejge-4656	123	25	)	)	PUNCT
ejge-4656	123	26	crd	crd	NOUN
ejge-4656	123	27	iv	iv	NUM
ejge-4656	123	28	-.04720	-.04720	NOUN
ejge-4656	123	29	*	*	PUNCT
ejge-4656	123	30	*	*	PUNCT
ejge-4656	123	31	*	*	PUNCT
ejge-4656	123	32	-.0355	-.0355	PUNCT
ejge-4656	124	1	*	*	PUNCT
ejge-4656	124	2	*	*	PUNCT
ejge-4656	124	3	*	*	PUNCT
ejge-4656	124	4	-.01289	-.01289	PUNCT
ejge-4656	124	5	*	*	PUNCT
ejge-4656	124	6	*	*	PUNCT
ejge-4656	124	7	-.00802	-.00802	PUNCT
ejge-4656	124	8	-.01415	-.01415	PUNCT
ejge-4656	124	9	*	*	PUNCT
ejge-4656	124	10	*	*	PUNCT
ejge-4656	124	11	(	(	PUNCT
ejge-4656	124	12	.00297	.00297	NOUN
ejge-4656	124	13	)	)	PUNCT
ejge-4656	124	14	(	(	PUNCT
ejge-4656	124	15	.00387	.00387	NOUN
ejge-4656	124	16	)	)	PUNCT
ejge-4656	124	17	(	(	PUNCT
ejge-4656	124	18	.00443	.00443	PROPN
ejge-4656	124	19	)	)	PUNCT
ejge-4656	124	20	(	(	PUNCT
ejge-4656	124	21	.00458	.00458	PROPN
ejge-4656	124	22	)	)	PUNCT
ejge-4656	124	23	(	(	PUNCT
ejge-4656	124	24	.00510	.00510	PROPN
ejge-4656	124	25	)	)	PUNCT
ejge-4656	124	26	gdp	gdp	NOUN
ejge-4656	124	27	growth	growth	NOUN
ejge-4656	124	28	rate	rate	NOUN
ejge-4656	124	29	,	,	PUNCT
ejge-4656	124	30	t-1	t-1	PROPN
ejge-4656	125	1	.00193	.00193	PROPN
ejge-4656	126	1	*	*	PUNCT
ejge-4656	127	1	*	*	PUNCT
ejge-4656	127	2	*	*	PUNCT
ejge-4656	127	3	.00098	.00098	NOUN
ejge-4656	127	4	*	*	PUNCT
ejge-4656	127	5	*	*	PUNCT
ejge-4656	127	6	.00083	.00083	PROPN
ejge-4656	127	7	*	*	PUNCT
ejge-4656	127	8	.00073	.00073	NOUN
ejge-4656	127	9	*	*	PUNCT
ejge-4656	127	10	(	(	PUNCT
ejge-4656	127	11	.00034	.00034	NOUN
ejge-4656	127	12	)	)	PUNCT
ejge-4656	127	13	(	(	PUNCT
ejge-4656	127	14	.00034	.00034	NOUN
ejge-4656	127	15	)	)	PUNCT
ejge-4656	127	16	(	(	PUNCT
ejge-4656	127	17	.00034	.00034	NOUN
ejge-4656	127	18	)	)	PUNCT
ejge-4656	127	19	(	(	PUNCT
ejge-4656	127	20	.00035	.00035	NOUN
ejge-4656	127	21	)	)	PUNCT
ejge-4656	127	22	interest	interest	NOUN
ejge-4656	127	23	rate	rate	NOUN
ejge-4656	127	24	,	,	PUNCT
ejge-4656	127	25	t-1	t-1	PROPN
ejge-4656	127	26	.00410	.00410	PROPN
ejge-4656	127	27	*	*	PUNCT
ejge-4656	128	1	*	*	PUNCT
ejge-4656	128	2	*	*	PUNCT
ejge-4656	128	3	.00176	.00176	PROPN
ejge-4656	128	4	.00221	.00221	PROPN
ejge-4656	128	5	*	*	PUNCT
ejge-4656	128	6	-.00048	-.00048	PUNCT
ejge-4656	128	7	(	(	PUNCT
ejge-4656	128	8	.00101	.00101	NOUN
ejge-4656	128	9	)	)	PUNCT
ejge-4656	128	10	(	(	PUNCT
ejge-4656	128	11	.00101	.00101	NOUN
ejge-4656	128	12	)	)	PUNCT
ejge-4656	128	13	(	(	PUNCT
ejge-4656	128	14	.00101	.00101	NOUN
ejge-4656	128	15	)	)	PUNCT
ejge-4656	128	16	(	(	PUNCT
ejge-4656	128	17	.00118	.00118	NOUN
ejge-4656	128	18	)	)	PUNCT
ejge-4656	128	19	household	household	NOUN
ejge-4656	128	20	indebtedness	indebtedness	NOUN
ejge-4656	128	21	,	,	PUNCT
ejge-4656	128	22	t-1	t-1	PROPN
ejge-4656	128	23	-.0012	-.0012	PROPN
ejge-4656	128	24	*	*	PUNCT
ejge-4656	128	25	*	*	PUNCT
ejge-4656	128	26	*	*	PUNCT
ejge-4656	128	27	-.0012	-.0012	PUNCT
ejge-4656	128	28	*	*	PUNCT
ejge-4656	128	29	*	*	PUNCT
ejge-4656	128	30	*	*	PUNCT
ejge-4656	128	31	-.00107	-.00107	NOUN
ejge-4656	128	32	*	*	PUNCT
ejge-4656	128	33	*	*	PUNCT
ejge-4656	128	34	*	*	PUNCT
ejge-4656	128	35	(	(	PUNCT
ejge-4656	128	36	.00008	.00008	NOUN
ejge-4656	128	37	)	)	PUNCT
ejge-4656	128	38	(	(	PUNCT
ejge-4656	128	39	.00008	.00008	NOUN
ejge-4656	128	40	)	)	PUNCT
ejge-4656	128	41	(	(	PUNCT
ejge-4656	128	42	.00009	.00009	NOUN
ejge-4656	128	43	)	)	PUNCT
ejge-4656	128	44	total	total	ADJ
ejge-4656	128	45	assets	asset	NOUN
ejge-4656	128	46	,	,	PUNCT
ejge-4656	128	47	t-1	t-1	PROPN
ejge-4656	128	48	-.00081	-.00081	PUNCT
ejge-4656	128	49	-.00478	-.00478	PROPN
ejge-4656	128	50	*	*	PUNCT
ejge-4656	128	51	*	*	NOUN
ejge-4656	128	52	-.00633	-.00633	PUNCT
ejge-4656	128	53	*	*	PUNCT
ejge-4656	128	54	*	*	PUNCT
ejge-4656	128	55	*	*	PUNCT
ejge-4656	128	56	(	(	PUNCT
ejge-4656	128	57	.00143	.00143	PROPN
ejge-4656	128	58	)	)	PUNCT
ejge-4656	128	59	(	(	PUNCT
ejge-4656	128	60	.00170	.00170	X
ejge-4656	128	61	)	)	PUNCT
ejge-4656	128	62	(	(	PUNCT
ejge-4656	128	63	.00161	.00161	NOUN
ejge-4656	128	64	)	)	PUNCT
ejge-4656	128	65	off	off	ADP
ejge-4656	128	66	-	-	PUNCT
ejge-4656	128	67	balance	balance	NOUN
ejge-4656	128	68	sheet	sheet	NOUN
ejge-4656	128	69	items	item	NOUN
ejge-4656	128	70	/	/	SYM
ejge-4656	128	71	assets	asset	NOUN
ejge-4656	128	72	,	,	PUNCT
ejge-4656	128	73	t1	t1	NOUN
ejge-4656	128	74	.02018	.02018	PROPN
ejge-4656	129	1	*	*	PUNCT
ejge-4656	129	2	*	*	PUNCT
ejge-4656	130	1	*	*	PUNCT
ejge-4656	130	2	.01792	.01792	NOUN
ejge-4656	130	3	*	*	PUNCT
ejge-4656	130	4	*	*	PUNCT
ejge-4656	130	5	*	*	PUNCT
ejge-4656	130	6	(	(	PUNCT
ejge-4656	130	7	.00432	.00432	NOUN
ejge-4656	130	8	)	)	PUNCT
ejge-4656	130	9	(	(	PUNCT
ejge-4656	130	10	.00386	.00386	PROPN
ejge-4656	130	11	)	)	PUNCT
ejge-4656	130	12	equity	equity	NOUN
ejge-4656	130	13	/	/	SYM
ejge-4656	130	14	assets	asset	NOUN
ejge-4656	130	15	,	,	PUNCT
ejge-4656	130	16	t-1	t-1	PROPN
ejge-4656	130	17	.00382	.00382	PUNCT
ejge-4656	130	18	-.00645	-.00645	PUNCT
ejge-4656	130	19	(	(	PUNCT
ejge-4656	130	20	.00441	.00441	PROPN
ejge-4656	130	21	)	)	PUNCT
ejge-4656	130	22	(	(	PUNCT
ejge-4656	130	23	.00445	.00445	NOUN
ejge-4656	130	24	)	)	PUNCT
ejge-4656	130	25	return	return	NOUN
ejge-4656	130	26	on	on	ADP
ejge-4656	130	27	assets	asset	NOUN
ejge-4656	130	28	,	,	PUNCT
ejge-4656	130	29	t-1	t-1	PROPN
ejge-4656	130	30	.01012	.01012	PROPN
ejge-4656	130	31	*	*	PROPN
ejge-4656	130	32	(	(	PUNCT
ejge-4656	130	33	.00397	.00397	ADJ
ejge-4656	130	34	)	)	PUNCT
ejge-4656	130	35	cost	cost	NOUN
ejge-4656	130	36	/	/	SYM
ejge-4656	130	37	income	income	NOUN
ejge-4656	130	38	ratio	ratio	NOUN
ejge-4656	130	39	,	,	PUNCT
ejge-4656	130	40	t-1	t-1	PROPN
ejge-4656	130	41	-.00535	-.00535	PUNCT
ejge-4656	130	42	(	(	PUNCT
ejge-4656	130	43	.01053	.01053	NOUN
ejge-4656	130	44	)	)	PUNCT
ejge-4656	130	45	constant	constant	ADJ
ejge-4656	130	46	.07538	.07538	PROPN
ejge-4656	130	47	*	*	PUNCT
ejge-4656	130	48	*	*	PUNCT
ejge-4656	130	49	*	*	PUNCT
ejge-4656	130	50	.06252	.06252	PUNCT
ejge-4656	131	1	*	*	PUNCT
ejge-4656	131	2	*	*	PUNCT
ejge-4656	131	3	*	*	PUNCT
ejge-4656	131	4	.20321	.20321	PROPN
ejge-4656	132	1	*	*	PUNCT
ejge-4656	132	2	*	*	PUNCT
ejge-4656	132	3	*	*	PUNCT
ejge-4656	132	4	.20948	.20948	PROPN
ejge-4656	132	5	*	*	PUNCT
ejge-4656	132	6	*	*	PUNCT
ejge-4656	132	7	*	*	PUNCT
ejge-4656	132	8	.26425	.26425	PRON
ejge-4656	132	9	*	*	PUNCT
ejge-4656	132	10	*	*	PUNCT
ejge-4656	132	11	*	*	PUNCT
ejge-4656	132	12	(	(	PUNCT
ejge-4656	132	13	.00124	.00124	PROPN
ejge-4656	132	14	)	)	PUNCT
ejge-4656	132	15	(	(	PUNCT
ejge-4656	132	16	.00253	.00253	PROPN
ejge-4656	132	17	)	)	PUNCT
ejge-4656	132	18	(	(	PUNCT
ejge-4656	132	19	.01678	.01678	NOUN
ejge-4656	132	20	)	)	PUNCT
ejge-4656	132	21	(	(	PUNCT
ejge-4656	132	22	.02262	.02262	PROPN
ejge-4656	132	23	)	)	PUNCT
ejge-4656	132	24	(	(	PUNCT
ejge-4656	132	25	.05533	.05533	SYM
ejge-4656	132	26	)	)	PUNCT
ejge-4656	132	27	model	model	NOUN
ejge-4656	132	28	diagnostics	diagnostic	NOUN
ejge-4656	132	29	no	no	INTJ
ejge-4656	132	30	.	.	PUNCT
ejge-4656	132	31	of	of	ADP
ejge-4656	132	32	obs	obs	PROPN
ejge-4656	132	33	.	.	PUNCT
ejge-4656	133	1	4361	4361	NUM
ejge-4656	133	2	4361	4361	NUM
ejge-4656	133	3	4361	4361	NUM
ejge-4656	133	4	4361	4361	NUM
ejge-4656	133	5	4308	4308	NUM
ejge-4656	133	6	r	r	NOUN
ejge-4656	133	7	-	-	PUNCT
ejge-4656	133	8	squared	square	VERB
ejge-4656	133	9	0.0860	0.0860	NUM
ejge-4656	133	10	0.0974	0.0974	NUM
ejge-4656	133	11	0.1382	0.1382	NUM
ejge-4656	133	12	0.1471	0.1471	NUM
ejge-4656	133	13	0.1518	0.1518	NUM
ejge-4656	133	14	f	f	NOUN
ejge-4656	133	15	140.41	140.41	NUM
ejge-4656	133	16	*	*	PUNCT
ejge-4656	133	17	*	*	PUNCT
ejge-4656	133	18	*	*	PUNCT
ejge-4656	133	19	100.90	100.90	NUM
ejge-4656	133	20	*	*	PUNCT
ejge-4656	133	21	*	*	PUNCT
ejge-4656	133	22	*	*	PUNCT
ejge-4656	134	1	111.01	111.01	NUM
ejge-4656	134	2	*	*	PUNCT
ejge-4656	134	3	*	*	PUNCT
ejge-4656	134	4	*	*	PUNCT
ejge-4656	134	5	86.89	86.89	NUM
ejge-4656	134	6	*	*	PUNCT
ejge-4656	134	7	*	*	PUNCT
ejge-4656	134	8	*	*	PUNCT
ejge-4656	134	9	84.88	84.88	NUM
ejge-4656	134	10	*	*	PUNCT
ejge-4656	134	11	*	*	PUNCT
ejge-4656	134	12	*	*	PUNCT
ejge-4656	134	13	root	root	PROPN
ejge-4656	134	14	mse	mse	PROPN
ejge-4656	134	15	.0773	.0773	PROPN
ejge-4656	134	16	.07683	.07683	PROPN
ejge-4656	135	1	.0751	.0751	NUM
ejge-4656	135	2	.07473	.07473	NOUN
ejge-4656	135	3	.07332	.07332	NOUN
ejge-4656	135	4	note	note	NOUN
ejge-4656	135	5	.	.	PUNCT
ejge-4656	136	1	*	*	PUNCT
ejge-4656	136	2	,	,	PUNCT
ejge-4656	136	3	*	*	PUNCT
ejge-4656	136	4	*	*	PUNCT
ejge-4656	136	5	,	,	PUNCT
ejge-4656	136	6	*	*	PUNCT
ejge-4656	136	7	*	*	PUNCT
ejge-4656	136	8	*	*	PUNCT
ejge-4656	136	9	significant	significant	ADJ
ejge-4656	136	10	at	at	ADP
ejge-4656	136	11	the	the	DET
ejge-4656	136	12	5	5	NUM
ejge-4656	136	13	%	%	NOUN
ejge-4656	136	14	,	,	PUNCT
ejge-4656	136	15	1	1	NUM
ejge-4656	136	16	%	%	NOUN
ejge-4656	136	17	and	and	CCONJ
ejge-4656	136	18	0,1	0,1	NUM
ejge-4656	136	19	%	%	NOUN
ejge-4656	136	20	level	level	NOUN
ejge-4656	136	21	,	,	PUNCT
ejge-4656	136	22	respectively	respectively	ADV
ejge-4656	136	23	.	.	PUNCT
ejge-4656	136	24	clustered	clustered	ADJ
ejge-4656	136	25	robust	robust	ADJ
ejge-4656	136	26	standard	standard	ADJ
ejge-4656	136	27	errors	error	NOUN
ejge-4656	136	28	reported	report	VERB
ejge-4656	136	29	in	in	ADP
ejge-4656	136	30	the	the	DET
ejge-4656	136	31	parentheses	parenthesis	NOUN
ejge-4656	136	32	.	.	PUNCT
ejge-4656	137	1	the	the	DET
ejge-4656	137	2	results	result	NOUN
ejge-4656	137	3	capture	capture	VERB
ejge-4656	137	4	a	a	DET
ejge-4656	137	5	negative	negative	ADJ
ejge-4656	137	6	and	and	CCONJ
ejge-4656	137	7	statistically	statistically	ADV
ejge-4656	137	8	highly	highly	ADV
ejge-4656	137	9	significant	significant	ADJ
ejge-4656	137	10	coefficient	coefficient	NOUN
ejge-4656	137	11	of	of	ADP
ejge-4656	137	12	household	household	NOUN
ejge-4656	137	13	indebtedness	indebtedness	NOUN
ejge-4656	137	14	.	.	PUNCT
ejge-4656	138	1	however	however	ADV
ejge-4656	138	2	,	,	PUNCT
ejge-4656	138	3	solely	solely	ADV
ejge-4656	138	4	based	base	VERB
ejge-4656	138	5	on	on	ADP
ejge-4656	138	6	these	these	DET
ejge-4656	138	7	results	result	NOUN
ejge-4656	138	8	alone	alone	ADV
ejge-4656	138	9	,	,	PUNCT
ejge-4656	138	10	it	it	PRON
ejge-4656	138	11	is	be	AUX
ejge-4656	138	12	difficult	difficult	ADJ
ejge-4656	138	13	to	to	PART
ejge-4656	138	14	estimate	estimate	VERB
ejge-4656	138	15	to	to	ADP
ejge-4656	138	16	what	what	DET
ejge-4656	138	17	degree	degree	NOUN
ejge-4656	138	18	this	this	DET
ejge-4656	138	19	effect	effect	NOUN
ejge-4656	138	20	is	be	AUX
ejge-4656	138	21	related	relate	VERB
ejge-4656	138	22	to	to	PART
ejge-4656	138	23	supply	supply	VERB
ejge-4656	138	24	and	and	CCONJ
ejge-4656	138	25	to	to	ADP
ejge-4656	138	26	what	what	DET
ejge-4656	138	27	degree	degree	NOUN
ejge-4656	138	28	to	to	PART
ejge-4656	138	29	demand	demand	VERB
ejge-4656	138	30	side	side	NOUN
ejge-4656	138	31	of	of	ADP
ejge-4656	138	32	bank	bank	NOUN
ejge-4656	138	33	lending	lending	NOUN
ejge-4656	138	34	.	.	PUNCT
ejge-4656	139	1	for	for	ADP
ejge-4656	139	2	other	other	ADJ
ejge-4656	139	3	macroeconomic	macroeconomic	ADJ
ejge-4656	139	4	factors	factor	NOUN
ejge-4656	139	5	,	,	PUNCT
ejge-4656	139	6	the	the	DET
ejge-4656	139	7	lagged	lag	VERB
ejge-4656	139	8	gdp	gdp	NOUN
ejge-4656	139	9	growth	growth	NOUN
ejge-4656	139	10	rate	rate	NOUN
ejge-4656	139	11	intuitively	intuitively	ADV
ejge-4656	139	12	presents	present	VERB
ejge-4656	139	13	a	a	DET
ejge-4656	139	14	positive	positive	ADJ
ejge-4656	139	15	effect	effect	NOUN
ejge-4656	139	16	on	on	ADP
ejge-4656	139	17	loan	loan	NOUN
ejge-4656	139	18	growth	growth	NOUN
ejge-4656	139	19	.	.	PUNCT
ejge-4656	140	1	this	this	DET
ejge-4656	140	2	result	result	NOUN
ejge-4656	140	3	is	be	AUX
ejge-4656	140	4	consistent	consistent	ADJ
ejge-4656	140	5	,	,	PUNCT
ejge-4656	140	6	for	for	ADP
ejge-4656	140	7	instance	instance	NOUN
ejge-4656	140	8	,	,	PUNCT
ejge-4656	140	9	with	with	ADP
ejge-4656	140	10	aiyar	aiyar	PROPN
ejge-4656	140	11	et	et	PROPN
ejge-4656	140	12	al	al	PROPN
ejge-4656	140	13	.	.	PUNCT
ejge-4656	141	1	(	(	PUNCT
ejge-4656	141	2	2016	2016	NUM
ejge-4656	141	3	)	)	PUNCT
ejge-4656	141	4	,	,	PUNCT
ejge-4656	141	5	meriläinen	meriläinen	PROPN
ejge-4656	141	6	(	(	PUNCT
ejge-4656	141	7	2016	2016	NUM
ejge-4656	141	8	)	)	PUNCT
ejge-4656	141	9	and	and	CCONJ
ejge-4656	141	10	berrospide	berrospide	NOUN
ejge-4656	141	11	and	and	CCONJ
ejge-4656	141	12	edge	edge	NOUN
ejge-4656	141	13	(	(	PUNCT
ejge-4656	141	14	2010	2010	NUM
ejge-4656	141	15	)	)	PUNCT
ejge-4656	141	16	.	.	PUNCT
ejge-4656	142	1	on	on	ADP
ejge-4656	142	2	the	the	DET
ejge-4656	142	3	contrary	contrary	NOUN
ejge-4656	142	4	,	,	PUNCT
ejge-4656	142	5	the	the	DET
ejge-4656	142	6	three	three	NUM
ejge-4656	142	7	-	-	PUNCT
ejge-4656	142	8	month	month	NOUN
ejge-4656	142	9	euribor	euribor	PROPN
ejge-4656	142	10	interest	interest	NOUN
ejge-4656	142	11	rate	rate	NOUN
ejge-4656	142	12	does	do	AUX
ejge-4656	142	13	not	not	PART
ejge-4656	142	14	reveal	reveal	VERB
ejge-4656	142	15	any	any	DET
ejge-4656	142	16	unambiguous	unambiguous	ADJ
ejge-4656	142	17	effect	effect	NOUN
ejge-4656	142	18	.	.	PUNCT
ejge-4656	143	1	m.	m.	NOUN
ejge-4656	143	2	huhtilainen	huhtilainen	PROPN
ejge-4656	143	3	/	/	SYM
ejge-4656	143	4	european	european	PROPN
ejge-4656	143	5	journal	journal	PROPN
ejge-4656	143	6	of	of	ADP
ejge-4656	143	7	government	government	NOUN
ejge-4656	143	8	and	and	CCONJ
ejge-4656	143	9	economics	economic	NOUN
ejge-4656	143	10	8(2	8(2	NUM
ejge-4656	143	11	)	)	PUNCT
ejge-4656	143	12	,	,	PUNCT
ejge-4656	143	13	december	december	PROPN
ejge-4656	143	14	2019	2019	NUM
ejge-4656	143	15	,	,	PUNCT
ejge-4656	143	16	203	203	NUM
ejge-4656	143	17	-	-	SYM
ejge-4656	143	18	217	217	NUM
ejge-4656	143	19	210	210	NUM
ejge-4656	143	20	    	    	SPACE
ejge-4656	143	21	table	table	NOUN
ejge-4656	143	22	4	4	NUM
ejge-4656	143	23	.	.	PUNCT
ejge-4656	143	24	fixed	fix	VERB
ejge-4656	143	25	effects	effect	NOUN
ejge-4656	143	26	estimations	estimation	NOUN
ejge-4656	143	27	.	.	PUNCT
ejge-4656	144	1	i	i	PRON
ejge-4656	144	2	ii	ii	VERB
ejge-4656	144	3	iii	iii	NUM
ejge-4656	144	4	iv	iv	NUM
ejge-4656	144	5	v	v	NUM
ejge-4656	144	6	consolidation	consolidation	NOUN
ejge-4656	144	7	.09460	.09460	PUNCT
ejge-4656	145	1	*	*	PUNCT
ejge-4656	145	2	*	*	PUNCT
ejge-4656	145	3	*	*	PUNCT
ejge-4656	145	4	.09658	.09658	PROPN
ejge-4656	146	1	*	*	PUNCT
ejge-4656	146	2	*	*	PUNCT
ejge-4656	146	3	*	*	PUNCT
ejge-4656	146	4	.16903	.16903	PUNCT
ejge-4656	147	1	*	*	PUNCT
ejge-4656	147	2	*	*	PUNCT
ejge-4656	147	3	*	*	PUNCT
ejge-4656	148	1	.16248	.16248	PUNCT
ejge-4656	148	2	*	*	PUNCT
ejge-4656	148	3	*	*	PUNCT
ejge-4656	148	4	*	*	PUNCT
ejge-4656	148	5	.15968	.15968	PUNCT
ejge-4656	148	6	*	*	PUNCT
ejge-4656	148	7	*	*	PUNCT
ejge-4656	148	8	*	*	PUNCT
ejge-4656	148	9	(	(	PUNCT
ejge-4656	148	10	.01926	.01926	PROPN
ejge-4656	148	11	)	)	PUNCT
ejge-4656	148	12	(	(	PUNCT
ejge-4656	148	13	.01899	.01899	NOUN
ejge-4656	148	14	)	)	PUNCT
ejge-4656	148	15	(	(	PUNCT
ejge-4656	148	16	.02893	.02893	PROPN
ejge-4656	148	17	)	)	PUNCT
ejge-4656	148	18	(	(	PUNCT
ejge-4656	148	19	.02966	.02966	NOUN
ejge-4656	148	20	)	)	PUNCT
ejge-4656	148	21	(	(	PUNCT
ejge-4656	148	22	.02978	.02978	X
ejge-4656	148	23	)	)	PUNCT
ejge-4656	148	24	crd	crd	NOUN
ejge-4656	148	25	iv	iv	NUM
ejge-4656	148	26	-.05094	-.05094	PUNCT
ejge-4656	148	27	*	*	PUNCT
ejge-4656	148	28	*	*	PUNCT
ejge-4656	148	29	*	*	PUNCT
ejge-4656	148	30	-.0395	-.0395	PUNCT
ejge-4656	148	31	*	*	PUNCT
ejge-4656	148	32	*	*	PUNCT
ejge-4656	148	33	*	*	NOUN
ejge-4656	148	34	.00128	.00128	PROPN
ejge-4656	149	1	.00290	.00290	NOUN
ejge-4656	149	2	-.00238	-.00238	PUNCT
ejge-4656	149	3	(	(	PUNCT
ejge-4656	149	4	.00308	.00308	NOUN
ejge-4656	149	5	)	)	PUNCT
ejge-4656	149	6	(	(	PUNCT
ejge-4656	149	7	.00394	.00394	NOUN
ejge-4656	149	8	)	)	PUNCT
ejge-4656	149	9	(	(	PUNCT
ejge-4656	149	10	.00513	.00513	NOUN
ejge-4656	149	11	)	)	PUNCT
ejge-4656	149	12	(	(	PUNCT
ejge-4656	149	13	.00563	.00563	NOUN
ejge-4656	149	14	)	)	PUNCT
ejge-4656	149	15	(	(	PUNCT
ejge-4656	149	16	.00605	.00605	PROPN
ejge-4656	149	17	)	)	PUNCT
ejge-4656	149	18	gdp	gdp	NOUN
ejge-4656	149	19	growth	growth	NOUN
ejge-4656	149	20	rate	rate	NOUN
ejge-4656	149	21	,	,	PUNCT
ejge-4656	149	22	t-1	t-1	PROPN
ejge-4656	149	23	.00190	.00190	PROPN
ejge-4656	149	24	*	*	PROPN
ejge-4656	149	25	*	*	PUNCT
ejge-4656	149	26	*	*	PUNCT
ejge-4656	149	27	.00080	.00080	PUNCT
ejge-4656	149	28	*	*	PUNCT
ejge-4656	149	29	.00052	.00052	PROPN
ejge-4656	149	30	.00047	.00047	PROPN
ejge-4656	149	31	(	(	PUNCT
ejge-4656	149	32	.00034	.00034	NOUN
ejge-4656	149	33	)	)	PUNCT
ejge-4656	149	34	(	(	PUNCT
ejge-4656	149	35	.00032	.00032	NOUN
ejge-4656	149	36	)	)	PUNCT
ejge-4656	149	37	(	(	PUNCT
ejge-4656	149	38	.00033	.00033	PROPN
ejge-4656	149	39	)	)	PUNCT
ejge-4656	149	40	(	(	PUNCT
ejge-4656	149	41	.00033	.00033	PROPN
ejge-4656	149	42	)	)	PUNCT
ejge-4656	149	43	interest	interest	NOUN
ejge-4656	149	44	rate	rate	NOUN
ejge-4656	149	45	,	,	PUNCT
ejge-4656	149	46	t-1	t-1	PROPN
ejge-4656	149	47	.00428	.00428	PROPN
ejge-4656	149	48	*	*	PUNCT
ejge-4656	149	49	*	*	PUNCT
ejge-4656	149	50	*	*	PUNCT
ejge-4656	149	51	-.00183	-.00183	NUM
ejge-4656	149	52	-.00066	-.00066	PUNCT
ejge-4656	149	53	-.00265	-.00265	PROPN
ejge-4656	149	54	*	*	PUNCT
ejge-4656	149	55	(	(	PUNCT
ejge-4656	149	56	.00104	.00104	PROPN
ejge-4656	149	57	)	)	PUNCT
ejge-4656	149	58	(	(	PUNCT
ejge-4656	149	59	.00115	.00115	PROPN
ejge-4656	149	60	)	)	PUNCT
ejge-4656	149	61	(	(	PUNCT
ejge-4656	149	62	.00118	.00118	NOUN
ejge-4656	149	63	)	)	PUNCT
ejge-4656	149	64	(	(	PUNCT
ejge-4656	149	65	.00130	.00130	NOUN
ejge-4656	149	66	)	)	PUNCT
ejge-4656	149	67	household	household	NOUN
ejge-4656	149	68	indebtedness	indebtedness	NOUN
ejge-4656	149	69	,	,	PUNCT
ejge-4656	149	70	t-1	t-1	PROPN
ejge-4656	149	71	.00096	.00096	PROPN
ejge-4656	149	72	*	*	PUNCT
ejge-4656	149	73	*	*	PROPN
ejge-4656	149	74	.00070	.00070	PROPN
ejge-4656	149	75	*	*	PUNCT
ejge-4656	149	76	.00072	.00072	PROPN
ejge-4656	149	77	*	*	PUNCT
ejge-4656	149	78	(	(	PUNCT
ejge-4656	149	79	.00034	.00034	NOUN
ejge-4656	149	80	)	)	PUNCT
ejge-4656	149	81	(	(	PUNCT
ejge-4656	149	82	.00035	.00035	PROPN
ejge-4656	149	83	)	)	PUNCT
ejge-4656	149	84	(	(	PUNCT
ejge-4656	149	85	.00036	.00036	NOUN
ejge-4656	149	86	)	)	PUNCT
ejge-4656	149	87	total	total	ADJ
ejge-4656	149	88	assets	asset	NOUN
ejge-4656	149	89	,	,	PUNCT
ejge-4656	149	90	t-1	t-1	PROPN
ejge-4656	149	91	-.1954	-.1954	PUNCT
ejge-4656	149	92	*	*	PUNCT
ejge-4656	149	93	*	*	PUNCT
ejge-4656	149	94	*	*	PUNCT
ejge-4656	149	95	-.1836	-.1836	PUNCT
ejge-4656	149	96	*	*	PUNCT
ejge-4656	149	97	*	*	PUNCT
ejge-4656	149	98	*	*	PUNCT
ejge-4656	149	99	-.1732	-.1732	PUNCT
ejge-4656	149	100	*	*	PUNCT
ejge-4656	149	101	*	*	PUNCT
ejge-4656	149	102	*	*	PUNCT
ejge-4656	149	103	(	(	PUNCT
ejge-4656	149	104	.02988	.02988	PROPN
ejge-4656	149	105	)	)	PUNCT
ejge-4656	149	106	(	(	PUNCT
ejge-4656	149	107	.03016	.03016	PROPN
ejge-4656	149	108	)	)	PUNCT
ejge-4656	149	109	(	(	PUNCT
ejge-4656	149	110	.02949	.02949	X
ejge-4656	149	111	)	)	PUNCT
ejge-4656	149	112	off	off	ADP
ejge-4656	149	113	-	-	PUNCT
ejge-4656	149	114	balance	balance	NOUN
ejge-4656	149	115	sheet	sheet	NOUN
ejge-4656	149	116	items	item	NOUN
ejge-4656	149	117	/	/	SYM
ejge-4656	149	118	assets	asset	NOUN
ejge-4656	149	119	,	,	PUNCT
ejge-4656	149	120	t1	t1	NOUN
ejge-4656	149	121	.02442	.02442	PROPN
ejge-4656	149	122	*	*	PUNCT
ejge-4656	149	123	*	*	PUNCT
ejge-4656	149	124	*	*	PUNCT
ejge-4656	149	125	.02208	.02208	PUNCT
ejge-4656	149	126	*	*	PUNCT
ejge-4656	149	127	*	*	PUNCT
ejge-4656	149	128	*	*	PUNCT
ejge-4656	149	129	(	(	PUNCT
ejge-4656	149	130	.00532	.00532	NOUN
ejge-4656	149	131	)	)	PUNCT
ejge-4656	149	132	(	(	PUNCT
ejge-4656	149	133	.00488	.00488	NOUN
ejge-4656	149	134	)	)	PUNCT
ejge-4656	149	135	equity	equity	NOUN
ejge-4656	149	136	/	/	SYM
ejge-4656	149	137	assets	asset	NOUN
ejge-4656	149	138	,	,	PUNCT
ejge-4656	149	139	t-1	t-1	PROPN
ejge-4656	149	140	.02604	.02604	PUNCT
ejge-4656	150	1	.01139	.01139	PROPN
ejge-4656	150	2	(	(	PUNCT
ejge-4656	150	3	.01384	.01384	PROPN
ejge-4656	150	4	)	)	PUNCT
ejge-4656	150	5	(	(	PUNCT
ejge-4656	150	6	.01263	.01263	NOUN
ejge-4656	150	7	)	)	PUNCT
ejge-4656	150	8	return	return	NOUN
ejge-4656	150	9	on	on	ADP
ejge-4656	150	10	assets	asset	NOUN
ejge-4656	150	11	,	,	PUNCT
ejge-4656	150	12	t-1	t-1	PROPN
ejge-4656	150	13	.00797	.00797	PROPN
ejge-4656	150	14	*	*	PUNCT
ejge-4656	150	15	(	(	PUNCT
ejge-4656	150	16	.00392	.00392	NOUN
ejge-4656	150	17	)	)	PUNCT
ejge-4656	150	18	cost	cost	NOUN
ejge-4656	150	19	/	/	SYM
ejge-4656	150	20	income	income	NOUN
ejge-4656	150	21	ratio	ratio	NOUN
ejge-4656	150	22	,	,	PUNCT
ejge-4656	150	23	t-1	t-1	PROPN
ejge-4656	150	24	-.00416	-.00416	PUNCT
ejge-4656	150	25	(	(	PUNCT
ejge-4656	150	26	.01043	.01043	NOUN
ejge-4656	150	27	)	)	PUNCT
ejge-4656	150	28	constant	constant	ADJ
ejge-4656	150	29	.07489	.07489	PROPN
ejge-4656	150	30	*	*	PROPN
ejge-4656	150	31	*	*	PUNCT
ejge-4656	150	32	*	*	PUNCT
ejge-4656	150	33	.06183	.06183	NOUN
ejge-4656	151	1	*	*	PUNCT
ejge-4656	152	1	*	*	PUNCT
ejge-4656	152	2	*	*	PUNCT
ejge-4656	153	1	2.1897	2.1897	NUM
ejge-4656	153	2	*	*	PUNCT
ejge-4656	153	3	*	*	PUNCT
ejge-4656	153	4	*	*	PUNCT
ejge-4656	153	5	1.9816	1.9816	NUM
ejge-4656	153	6	*	*	PUNCT
ejge-4656	153	7	*	*	PUNCT
ejge-4656	153	8	*	*	PUNCT
ejge-4656	153	9	1.9245	1.9245	NUM
ejge-4656	153	10	*	*	PUNCT
ejge-4656	153	11	*	*	PUNCT
ejge-4656	153	12	*	*	PUNCT
ejge-4656	153	13	(	(	PUNCT
ejge-4656	153	14	.00137	.00137	PROPN
ejge-4656	153	15	)	)	PUNCT
ejge-4656	153	16	(	(	PUNCT
ejge-4656	153	17	.00273	.00273	NOUN
ejge-4656	153	18	)	)	PUNCT
ejge-4656	153	19	(	(	PUNCT
ejge-4656	153	20	.30497	.30497	PROPN
ejge-4656	153	21	)	)	PUNCT
ejge-4656	153	22	(	(	PUNCT
ejge-4656	153	23	.31511	.31511	PROPN
ejge-4656	153	24	)	)	PUNCT
ejge-4656	153	25	(	(	PUNCT
ejge-4656	153	26	.31501	.31501	NOUN
ejge-4656	153	27	)	)	PUNCT
ejge-4656	153	28	model	model	NOUN
ejge-4656	153	29	diagnostics	diagnostic	NOUN
ejge-4656	153	30	no	no	INTJ
ejge-4656	153	31	.	.	PUNCT
ejge-4656	153	32	of	of	ADP
ejge-4656	153	33	obs	obs	PROPN
ejge-4656	153	34	.	.	PUNCT
ejge-4656	154	1	4361	4361	NUM
ejge-4656	154	2	4361	4361	NUM
ejge-4656	154	3	4361	4361	NUM
ejge-4656	154	4	4361	4361	NUM
ejge-4656	154	5	4308	4308	NUM
ejge-4656	154	6	r	r	NOUN
ejge-4656	154	7	-	-	PUNCT
ejge-4656	154	8	squared	square	VERB
ejge-4656	154	9	(	(	PUNCT
ejge-4656	154	10	overall	overall	ADJ
ejge-4656	154	11	)	)	PUNCT
ejge-4656	154	12	0.0846	0.0846	NUM
ejge-4656	154	13	0.0959	0.0959	NUM
ejge-4656	154	14	0.0039	0.0039	NUM
ejge-4656	154	15	0.0052	0.0052	NUM
ejge-4656	154	16	0.0069	0.0069	NUM
ejge-4656	154	17	f	f	PROPN
ejge-4656	155	1	140.28	140.28	NUM
ejge-4656	155	2	*	*	PUNCT
ejge-4656	155	3	*	*	PUNCT
ejge-4656	155	4	*	*	PUNCT
ejge-4656	155	5	95.65	95.65	NUM
ejge-4656	155	6	*	*	PUNCT
ejge-4656	155	7	*	*	PUNCT
ejge-4656	155	8	*	*	PUNCT
ejge-4656	156	1	88.72	88.72	NUM
ejge-4656	156	2	*	*	PUNCT
ejge-4656	156	3	*	*	PUNCT
ejge-4656	156	4	*	*	PUNCT
ejge-4656	157	1	67.99	67.99	NUM
ejge-4656	157	2	*	*	PUNCT
ejge-4656	157	3	*	*	PUNCT
ejge-4656	157	4	*	*	PUNCT
ejge-4656	157	5	65.16	65.16	NUM
ejge-4656	157	6	*	*	PUNCT
ejge-4656	157	7	*	*	PUNCT
ejge-4656	157	8	*	*	PUNCT
ejge-4656	157	9	note	note	NOUN
ejge-4656	157	10	.	.	PUNCT
ejge-4656	158	1	*	*	PUNCT
ejge-4656	158	2	,	,	PUNCT
ejge-4656	158	3	*	*	PUNCT
ejge-4656	158	4	*	*	PUNCT
ejge-4656	158	5	,	,	PUNCT
ejge-4656	158	6	*	*	PUNCT
ejge-4656	158	7	*	*	PUNCT
ejge-4656	158	8	*	*	PUNCT
ejge-4656	158	9	significant	significant	ADJ
ejge-4656	158	10	at	at	ADP
ejge-4656	158	11	the	the	DET
ejge-4656	158	12	5	5	NUM
ejge-4656	158	13	%	%	NOUN
ejge-4656	158	14	,	,	PUNCT
ejge-4656	158	15	1	1	NUM
ejge-4656	158	16	%	%	NOUN
ejge-4656	158	17	and	and	CCONJ
ejge-4656	158	18	0,1	0,1	NUM
ejge-4656	158	19	%	%	NOUN
ejge-4656	158	20	level	level	NOUN
ejge-4656	158	21	,	,	PUNCT
ejge-4656	158	22	respectively	respectively	ADV
ejge-4656	158	23	.	.	PUNCT
ejge-4656	158	24	clustered	clustered	ADJ
ejge-4656	158	25	robust	robust	ADJ
ejge-4656	158	26	standard	standard	ADJ
ejge-4656	158	27	errors	error	NOUN
ejge-4656	158	28	reported	report	VERB
ejge-4656	158	29	in	in	ADP
ejge-4656	158	30	the	the	DET
ejge-4656	158	31	parentheses	parenthesis	NOUN
ejge-4656	158	32	.	.	PUNCT
ejge-4656	159	1	for	for	ADP
ejge-4656	159	2	the	the	DET
ejge-4656	159	3	rest	rest	NOUN
ejge-4656	159	4	of	of	ADP
ejge-4656	159	5	bank	bank	NOUN
ejge-4656	159	6	-	-	PUNCT
ejge-4656	159	7	specific	specific	ADJ
ejge-4656	159	8	determinants	determinant	NOUN
ejge-4656	159	9	,	,	PUNCT
ejge-4656	159	10	we	we	PRON
ejge-4656	159	11	confirm	confirm	VERB
ejge-4656	159	12	the	the	DET
ejge-4656	159	13	findings	finding	NOUN
ejge-4656	159	14	by	by	ADP
ejge-4656	159	15	bustamante	bustamante	PROPN
ejge-4656	159	16	et	et	PROPN
ejge-4656	159	17	al	al	PROPN
ejge-4656	159	18	.	.	PROPN
ejge-4656	160	1	(	(	PUNCT
ejge-4656	160	2	2019	2019	NUM
ejge-4656	160	3	)	)	PUNCT
ejge-4656	160	4	and	and	CCONJ
ejge-4656	160	5	berrospide	berrospide	NOUN
ejge-4656	160	6	and	and	CCONJ
ejge-4656	160	7	edge	edge	NOUN
ejge-4656	160	8	(	(	PUNCT
ejge-4656	160	9	2010	2010	NUM
ejge-4656	160	10	)	)	PUNCT
ejge-4656	160	11	who	who	PRON
ejge-4656	160	12	find	find	VERB
ejge-4656	160	13	that	that	SCONJ
ejge-4656	160	14	more	more	ADV
ejge-4656	160	15	profitable	profitable	ADJ
ejge-4656	160	16	banks	bank	NOUN
ejge-4656	160	17	tend	tend	VERB
ejge-4656	160	18	to	to	PART
ejge-4656	160	19	grant	grant	VERB
ejge-4656	160	20	more	more	ADJ
ejge-4656	160	21	credit	credit	NOUN
ejge-4656	160	22	.	.	PUNCT
ejge-4656	161	1	meanwhile	meanwhile	ADV
ejge-4656	161	2	,	,	PUNCT
ejge-4656	161	3	the	the	DET
ejge-4656	161	4	equity	equity	NOUN
ejge-4656	161	5	/	/	SYM
ejge-4656	161	6	assets	asset	NOUN
ejge-4656	161	7	ratio	ratio	NOUN
ejge-4656	161	8	or	or	CCONJ
ejge-4656	161	9	the	the	DET
ejge-4656	161	10	banks	bank	NOUN
ejge-4656	161	11	’	’	PART
ejge-4656	161	12	operational	operational	ADJ
ejge-4656	161	13	efficiency	efficiency	NOUN
ejge-4656	161	14	(	(	PUNCT
ejge-4656	161	15	cost	cost	NOUN
ejge-4656	161	16	/	/	SYM
ejge-4656	161	17	income	income	NOUN
ejge-4656	161	18	ratio	ratio	NOUN
ejge-4656	161	19	)	)	PUNCT
ejge-4656	161	20	do	do	AUX
ejge-4656	161	21	not	not	PART
ejge-4656	161	22	exhibit	exhibit	VERB
ejge-4656	161	23	any	any	DET
ejge-4656	161	24	consistent	consistent	ADJ
ejge-4656	161	25	effects	effect	NOUN
ejge-4656	161	26	.	.	PUNCT
ejge-4656	162	1	interestingly	interestingly	ADV
ejge-4656	162	2	,	,	PUNCT
ejge-4656	162	3	the	the	DET
ejge-4656	162	4	off	off	ADP
ejge-4656	162	5	-	-	PUNCT
ejge-4656	162	6	balance	balance	NOUN
ejge-4656	162	7	sheet	sheet	NOUN
ejge-4656	162	8	activity	activity	NOUN
ejge-4656	162	9	(	(	PUNCT
ejge-4656	162	10	items	item	NOUN
ejge-4656	162	11	as	as	ADP
ejge-4656	162	12	a	a	DET
ejge-4656	162	13	percentage	percentage	NOUN
ejge-4656	162	14	of	of	ADP
ejge-4656	162	15	total	total	ADJ
ejge-4656	162	16	assets	asset	NOUN
ejge-4656	162	17	)	)	PUNCT
ejge-4656	162	18	enters	enter	VERB
ejge-4656	162	19	positive	positive	ADJ
ejge-4656	162	20	and	and	CCONJ
ejge-4656	162	21	statistically	statistically	ADV
ejge-4656	162	22	highly	highly	ADV
ejge-4656	162	23	significant	significant	ADJ
ejge-4656	162	24	in	in	ADP
ejge-4656	162	25	both	both	DET
ejge-4656	162	26	specifications	specification	NOUN
ejge-4656	162	27	.	.	PUNCT
ejge-4656	163	1	since	since	SCONJ
ejge-4656	163	2	the	the	DET
ejge-4656	163	3	variable	variable	NOUN
ejge-4656	163	4	is	be	AUX
ejge-4656	163	5	once	once	ADV
ejge-4656	163	6	-	-	PUNCT
ejge-4656	163	7	lagged	lag	VERB
ejge-4656	163	8	,	,	PUNCT
ejge-4656	163	9	one	one	NUM
ejge-4656	163	10	possible	possible	ADJ
ejge-4656	163	11	explanation	explanation	NOUN
ejge-4656	163	12	is	be	AUX
ejge-4656	163	13	that	that	SCONJ
ejge-4656	163	14	customers	customer	NOUN
ejge-4656	163	15	draw	draw	VERB
ejge-4656	163	16	on	on	ADP
ejge-4656	163	17	their	their	PRON
ejge-4656	163	18	lines	line	NOUN
ejge-4656	163	19	of	of	ADP
ejge-4656	163	20	credit	credit	NOUN
ejge-4656	163	21	,	,	PUNCT
ejge-4656	163	22	converting	convert	VERB
ejge-4656	163	23	the	the	DET
ejge-4656	163	24	previously	previously	ADV
ejge-4656	163	25	unused	unused	ADJ
ejge-4656	163	26	commitments	commitment	NOUN
ejge-4656	163	27	into	into	ADP
ejge-4656	163	28	on	on	ADP
ejge-4656	163	29	-	-	PUNCT
ejge-4656	163	30	balance	balance	NOUN
ejge-4656	163	31	sheet	sheet	NOUN
ejge-4656	163	32	loans	loan	NOUN
ejge-4656	163	33	,	,	PUNCT
ejge-4656	163	34	thus	thus	ADV
ejge-4656	163	35	increasing	increase	VERB
ejge-4656	163	36	the	the	DET
ejge-4656	163	37	value	value	NOUN
ejge-4656	163	38	of	of	ADP
ejge-4656	163	39	outstanding	outstanding	ADJ
ejge-4656	163	40	loans	loan	NOUN
ejge-4656	163	41	at	at	ADP
ejge-4656	163	42	𝑡	𝑡	PROPN
ejge-4656	163	43	.	.	PUNCT
ejge-4656	164	1	however	however	ADV
ejge-4656	164	2	,	,	PUNCT
ejge-4656	164	3	this	this	DET
ejge-4656	164	4	study	study	NOUN
ejge-4656	164	5	unfortunately	unfortunately	ADV
ejge-4656	164	6	suffers	suffer	VERB
ejge-4656	164	7	from	from	ADP
ejge-4656	164	8	the	the	DET
ejge-4656	164	9	lack	lack	NOUN
ejge-4656	164	10	of	of	ADP
ejge-4656	164	11	more	more	ADV
ejge-4656	164	12	detailed	detailed	ADJ
ejge-4656	164	13	data	datum	NOUN
ejge-4656	164	14	on	on	ADP
ejge-4656	164	15	individual	individual	ADJ
ejge-4656	164	16	items	item	NOUN
ejge-4656	164	17	within	within	ADP
ejge-4656	164	18	the	the	DET
ejge-4656	164	19	total	total	ADJ
ejge-4656	164	20	value	value	NOUN
ejge-4656	164	21	of	of	ADP
ejge-4656	164	22	off	off	ADP
ejge-4656	164	23	-	-	PUNCT
ejge-4656	164	24	balance	balance	NOUN
ejge-4656	164	25	sheet	sheet	NOUN
ejge-4656	164	26	exposures	exposure	NOUN
ejge-4656	164	27	.	.	PUNCT
ejge-4656	165	1	next	next	ADV
ejge-4656	165	2	,	,	PUNCT
ejge-4656	165	3	we	we	PRON
ejge-4656	165	4	estimate	estimate	VERB
ejge-4656	165	5	the	the	DET
ejge-4656	165	6	baseline	baseline	NOUN
ejge-4656	165	7	model	model	NOUN
ejge-4656	165	8	with	with	ADP
ejge-4656	165	9	a	a	DET
ejge-4656	165	10	panel	panel	NOUN
ejge-4656	165	11	fixed	fix	VERB
ejge-4656	165	12	effects	effect	NOUN
ejge-4656	165	13	estimator	estimator	NOUN
ejge-4656	165	14	,	,	PUNCT
ejge-4656	165	15	which	which	PRON
ejge-4656	165	16	sweeps	sweep	VERB
ejge-4656	165	17	out	out	ADP
ejge-4656	165	18	the	the	DET
ejge-4656	165	19	bank	bank	NOUN
ejge-4656	165	20	-	-	PUNCT
ejge-4656	165	21	specific	specific	ADJ
ejge-4656	165	22	heterogeneity	heterogeneity	NOUN
ejge-4656	165	23	by	by	ADP
ejge-4656	165	24	subtracting	subtract	VERB
ejge-4656	165	25	the	the	DET
ejge-4656	165	26	cross	cross	ADJ
ejge-4656	165	27	-	-	ADJ
ejge-4656	165	28	sectional	sectional	ADJ
ejge-4656	165	29	mean	mean	NOUN
ejge-4656	165	30	from	from	ADP
ejge-4656	165	31	each	each	DET
ejge-4656	165	32	observation	observation	NOUN
ejge-4656	165	33	.	.	PUNCT
ejge-4656	166	1	results	result	NOUN
ejge-4656	166	2	are	be	AUX
ejge-4656	166	3	reported	report	VERB
ejge-4656	166	4	in	in	ADP
ejge-4656	166	5	table	table	NOUN
ejge-4656	166	6	4	4	NUM
ejge-4656	166	7	.	.	PUNCT
ejge-4656	166	8	m.	m.	NOUN
ejge-4656	166	9	huhtilainen	huhtilainen	PROPN
ejge-4656	166	10	/	/	SYM
ejge-4656	166	11	european	european	PROPN
ejge-4656	166	12	journal	journal	PROPN
ejge-4656	166	13	of	of	ADP
ejge-4656	166	14	government	government	NOUN
ejge-4656	166	15	and	and	CCONJ
ejge-4656	166	16	economics	economic	NOUN
ejge-4656	166	17	8(2	8(2	NUM
ejge-4656	166	18	)	)	PUNCT
ejge-4656	166	19	,	,	PUNCT
ejge-4656	166	20	december	december	PROPN
ejge-4656	166	21	2019	2019	NUM
ejge-4656	166	22	,	,	PUNCT
ejge-4656	166	23	203	203	NUM
ejge-4656	166	24	-	-	SYM
ejge-4656	166	25	217	217	NUM
ejge-4656	166	26	211	211	NUM
ejge-4656	166	27	    	    	SPACE
ejge-4656	166	28	the	the	DET
ejge-4656	166	29	regulation	regulation	NOUN
ejge-4656	166	30	dummy	dummy	ADJ
ejge-4656	166	31	variable	variable	NOUN
ejge-4656	166	32	crd	crd	PROPN
ejge-4656	166	33	iv	iv	PUNCT
ejge-4656	166	34	again	again	ADV
ejge-4656	166	35	suggests	suggest	VERB
ejge-4656	166	36	a	a	DET
ejge-4656	166	37	negative	negative	ADJ
ejge-4656	166	38	effect	effect	NOUN
ejge-4656	166	39	on	on	ADP
ejge-4656	166	40	loan	loan	NOUN
ejge-4656	166	41	growth	growth	NOUN
ejge-4656	166	42	but	but	CCONJ
ejge-4656	166	43	does	do	AUX
ejge-4656	166	44	not	not	PART
ejge-4656	166	45	remain	remain	VERB
ejge-4656	166	46	statistically	statistically	ADV
ejge-4656	166	47	significant	significant	ADJ
ejge-4656	166	48	across	across	ADP
ejge-4656	166	49	the	the	DET
ejge-4656	166	50	board	board	NOUN
ejge-4656	166	51	.	.	PUNCT
ejge-4656	167	1	interestingly	interestingly	ADV
ejge-4656	167	2	,	,	PUNCT
ejge-4656	167	3	the	the	DET
ejge-4656	167	4	household	household	NOUN
ejge-4656	167	5	indebtedness	indebtedness	NOUN
ejge-4656	167	6	flips	flip	VERB
ejge-4656	167	7	the	the	DET
ejge-4656	167	8	sign	sign	NOUN
ejge-4656	167	9	in	in	ADP
ejge-4656	167	10	fixed	fix	VERB
ejge-4656	167	11	effects	effect	NOUN
ejge-4656	167	12	estimations	estimation	NOUN
ejge-4656	167	13	.	.	PUNCT
ejge-4656	168	1	as	as	SCONJ
ejge-4656	168	2	concluded	conclude	VERB
ejge-4656	168	3	earlier	early	ADV
ejge-4656	168	4	,	,	PUNCT
ejge-4656	168	5	it	it	PRON
ejge-4656	168	6	is	be	AUX
ejge-4656	168	7	difficult	difficult	ADJ
ejge-4656	168	8	to	to	PART
ejge-4656	168	9	assess	assess	VERB
ejge-4656	168	10	whether	whether	SCONJ
ejge-4656	168	11	these	these	DET
ejge-4656	168	12	findings	finding	NOUN
ejge-4656	168	13	,	,	PUNCT
ejge-4656	168	14	taken	take	VERB
ejge-4656	168	15	together	together	ADV
ejge-4656	168	16	,	,	PUNCT
ejge-4656	168	17	indicate	indicate	VERB
ejge-4656	168	18	an	an	DET
ejge-4656	168	19	increase	increase	NOUN
ejge-4656	168	20	in	in	ADP
ejge-4656	168	21	demand	demand	NOUN
ejge-4656	168	22	or	or	CCONJ
ejge-4656	168	23	a	a	DET
ejge-4656	168	24	decrease	decrease	NOUN
ejge-4656	168	25	in	in	ADP
ejge-4656	168	26	supply	supply	NOUN
ejge-4656	168	27	since	since	SCONJ
ejge-4656	168	28	we	we	PRON
ejge-4656	168	29	should	should	AUX
ejge-4656	168	30	also	also	ADV
ejge-4656	168	31	expect	expect	VERB
ejge-4656	168	32	banks	bank	NOUN
ejge-4656	168	33	to	to	PART
ejge-4656	168	34	avoid	avoid	VERB
ejge-4656	168	35	granting	grant	VERB
ejge-4656	168	36	more	more	ADJ
ejge-4656	168	37	loans	loan	NOUN
ejge-4656	168	38	to	to	ADP
ejge-4656	168	39	already	already	ADV
ejge-4656	168	40	indebted	indebte	VERB
ejge-4656	168	41	customers	customer	NOUN
ejge-4656	168	42	.	.	PUNCT
ejge-4656	169	1	this	this	DET
ejge-4656	169	2	severe	severe	ADJ
ejge-4656	169	3	problem	problem	NOUN
ejge-4656	169	4	with	with	ADP
ejge-4656	169	5	identifying	identify	VERB
ejge-4656	169	6	causal	causal	ADJ
ejge-4656	169	7	impact	impact	NOUN
ejge-4656	169	8	between	between	ADP
ejge-4656	169	9	the	the	DET
ejge-4656	169	10	internal	internal	ADJ
ejge-4656	169	11	and	and	CCONJ
ejge-4656	169	12	external	external	ADJ
ejge-4656	169	13	balance	balance	NOUN
ejge-4656	169	14	sheet	sheet	NOUN
ejge-4656	169	15	shocks	shock	NOUN
ejge-4656	169	16	and	and	CCONJ
ejge-4656	169	17	the	the	DET
ejge-4656	169	18	corresponding	correspond	VERB
ejge-4656	169	19	change	change	NOUN
ejge-4656	169	20	in	in	ADP
ejge-4656	169	21	credit	credit	NOUN
ejge-4656	169	22	supply	supply	NOUN
ejge-4656	169	23	is	be	AUX
ejge-4656	169	24	discussed	discuss	VERB
ejge-4656	169	25	in	in	ADP
ejge-4656	169	26	peydro	peydro	NOUN
ejge-4656	169	27	(	(	PUNCT
ejge-4656	169	28	2010	2010	NUM
ejge-4656	169	29	)	)	PUNCT
ejge-4656	169	30	and	and	CCONJ
ejge-4656	169	31	lambertini	lambertini	PROPN
ejge-4656	169	32	and	and	CCONJ
ejge-4656	169	33	mukherjee	mukherjee	PROPN
ejge-4656	169	34	(	(	PUNCT
ejge-4656	169	35	2016	2016	NUM
ejge-4656	169	36	)	)	PUNCT
ejge-4656	169	37	,	,	PUNCT
ejge-4656	169	38	who	who	PRON
ejge-4656	169	39	point	point	VERB
ejge-4656	169	40	out	out	ADP
ejge-4656	169	41	to	to	ADP
ejge-4656	169	42	the	the	DET
ejge-4656	169	43	endogeneity	endogeneity	NOUN
ejge-4656	169	44	bias	bias	NOUN
ejge-4656	169	45	between	between	ADP
ejge-4656	169	46	credit	credit	NOUN
ejge-4656	169	47	demand	demand	NOUN
ejge-4656	169	48	and	and	CCONJ
ejge-4656	169	49	credit	credit	NOUN
ejge-4656	169	50	supply	supply	NOUN
ejge-4656	169	51	.	.	PUNCT
ejge-4656	170	1	on	on	ADP
ejge-4656	170	2	the	the	DET
ejge-4656	170	3	contrary	contrary	NOUN
ejge-4656	170	4	,	,	PUNCT
ejge-4656	170	5	the	the	DET
ejge-4656	170	6	dummy	dummy	ADJ
ejge-4656	170	7	variable	variable	ADJ
ejge-4656	170	8	consolidation	consolidation	NOUN
ejge-4656	170	9	,	,	PUNCT
ejge-4656	170	10	bank	bank	NOUN
ejge-4656	170	11	size	size	NOUN
ejge-4656	170	12	,	,	PUNCT
ejge-4656	170	13	off	off	ADP
ejge-4656	170	14	-	-	PUNCT
ejge-4656	170	15	balance	balance	NOUN
ejge-4656	170	16	sheet	sheet	NOUN
ejge-4656	170	17	activity	activity	NOUN
ejge-4656	170	18	or	or	CCONJ
ejge-4656	170	19	profitability	profitability	NOUN
ejge-4656	170	20	do	do	AUX
ejge-4656	170	21	not	not	PART
ejge-4656	170	22	flip	flip	VERB
ejge-4656	170	23	signs	sign	NOUN
ejge-4656	170	24	across	across	ADP
ejge-4656	170	25	estimations	estimation	NOUN
ejge-4656	170	26	.	.	PUNCT
ejge-4656	171	1	the	the	DET
ejge-4656	171	2	captured	capture	VERB
ejge-4656	171	3	coefficient	coefficient	NOUN
ejge-4656	171	4	for	for	ADP
ejge-4656	171	5	bank	bank	NOUN
ejge-4656	171	6	size	size	NOUN
ejge-4656	171	7	is	be	AUX
ejge-4656	171	8	consistent	consistent	ADJ
ejge-4656	171	9	with	with	ADP
ejge-4656	171	10	fungáčová	fungáčová	PROPN
ejge-4656	171	11	et	et	PROPN
ejge-4656	171	12	al	al	PROPN
ejge-4656	171	13	.	.	PUNCT
ejge-4656	172	1	(	(	PUNCT
ejge-4656	172	2	2014	2014	NUM
ejge-4656	172	3	)	)	PUNCT
ejge-4656	172	4	.	.	PUNCT
ejge-4656	173	1	similarly	similarly	ADV
ejge-4656	173	2	,	,	PUNCT
ejge-4656	173	3	in	in	ADP
ejge-4656	173	4	accornero	accornero	NOUN
ejge-4656	173	5	et	et	PROPN
ejge-4656	173	6	al	al	PROPN
ejge-4656	173	7	.	.	PROPN
ejge-4656	174	1	(	(	PUNCT
ejge-4656	174	2	2017	2017	NUM
ejge-4656	174	3	)	)	PUNCT
ejge-4656	174	4	,	,	PUNCT
ejge-4656	174	5	bank	bank	NOUN
ejge-4656	174	6	size	size	NOUN
ejge-4656	174	7	enters	enter	VERB
ejge-4656	174	8	negatively	negatively	ADV
ejge-4656	174	9	when	when	SCONJ
ejge-4656	174	10	bank	bank	NOUN
ejge-4656	174	11	fixed	fix	VERB
ejge-4656	174	12	effects	effect	NOUN
ejge-4656	174	13	are	be	AUX
ejge-4656	174	14	included	include	VERB
ejge-4656	174	15	in	in	ADP
ejge-4656	174	16	the	the	DET
ejge-4656	174	17	estimation	estimation	NOUN
ejge-4656	174	18	.	.	PUNCT
ejge-4656	175	1	according	accord	VERB
ejge-4656	175	2	to	to	ADP
ejge-4656	175	3	their	their	PRON
ejge-4656	175	4	interpretation	interpretation	NOUN
ejge-4656	175	5	,	,	PUNCT
ejge-4656	175	6	those	those	DET
ejge-4656	175	7	banks	bank	NOUN
ejge-4656	175	8	that	that	PRON
ejge-4656	175	9	have	have	AUX
ejge-4656	175	10	grown	grow	VERB
ejge-4656	175	11	“	"	PUNCT
ejge-4656	175	12	too	too	ADV
ejge-4656	175	13	big	big	ADJ
ejge-4656	175	14	”	"	PUNCT
ejge-4656	175	15	are	be	AUX
ejge-4656	175	16	relatively	relatively	ADV
ejge-4656	175	17	less	less	ADV
ejge-4656	175	18	willing	willing	ADJ
ejge-4656	175	19	to	to	PART
ejge-4656	175	20	extend	extend	VERB
ejge-4656	175	21	new	new	ADJ
ejge-4656	175	22	credit	credit	NOUN
ejge-4656	175	23	.	.	PUNCT
ejge-4656	176	1	on	on	ADP
ejge-4656	176	2	the	the	DET
ejge-4656	176	3	other	other	ADJ
ejge-4656	176	4	hand	hand	NOUN
ejge-4656	176	5	,	,	PUNCT
ejge-4656	176	6	cambacorta	cambacorta	PROPN
ejge-4656	176	7	(	(	PUNCT
ejge-4656	176	8	2005	2005	NUM
ejge-4656	176	9	)	)	PUNCT
ejge-4656	176	10	concludes	conclude	VERB
ejge-4656	176	11	the	the	DET
ejge-4656	176	12	effect	effect	NOUN
ejge-4656	176	13	of	of	ADP
ejge-4656	176	14	bank	bank	NOUN
ejge-4656	176	15	size	size	NOUN
ejge-4656	176	16	to	to	PART
ejge-4656	176	17	be	be	AUX
ejge-4656	176	18	irrelevant	irrelevant	ADJ
ejge-4656	176	19	on	on	ADP
ejge-4656	176	20	loan	loan	NOUN
ejge-4656	176	21	supply	supply	NOUN
ejge-4656	176	22	.	.	PUNCT
ejge-4656	177	1	4.2	4.2	NUM
ejge-4656	177	2	.	.	PUNCT
ejge-4656	177	3	survey	survey	VERB
ejge-4656	177	4	a	a	DET
ejge-4656	177	5	rather	rather	ADV
ejge-4656	177	6	rich	rich	ADJ
ejge-4656	177	7	research	research	NOUN
ejge-4656	177	8	body	body	NOUN
ejge-4656	177	9	is	be	AUX
ejge-4656	177	10	devoted	devote	VERB
ejge-4656	177	11	to	to	ADP
ejge-4656	177	12	the	the	DET
ejge-4656	177	13	relationship	relationship	NOUN
ejge-4656	177	14	between	between	ADP
ejge-4656	177	15	capital	capital	NOUN
ejge-4656	177	16	requirements	requirement	NOUN
ejge-4656	177	17	and	and	CCONJ
ejge-4656	177	18	the	the	DET
ejge-4656	177	19	supply	supply	NOUN
ejge-4656	177	20	and	and	CCONJ
ejge-4656	177	21	price	price	NOUN
ejge-4656	177	22	of	of	ADP
ejge-4656	177	23	bank	bank	NOUN
ejge-4656	177	24	credit	credit	NOUN
ejge-4656	177	25	.	.	PUNCT
ejge-4656	178	1	starting	start	VERB
ejge-4656	178	2	with	with	ADP
ejge-4656	178	3	credit	credit	NOUN
ejge-4656	178	4	supply	supply	NOUN
ejge-4656	178	5	,	,	PUNCT
ejge-4656	178	6	de	de	X
ejge-4656	178	7	jonghey	jonghey	X
ejge-4656	178	8	et	et	PROPN
ejge-4656	178	9	al	al	AUX
ejge-4656	178	10	.	.	PROPN
ejge-4656	179	1	(	(	PUNCT
ejge-4656	179	2	2016	2016	NUM
ejge-4656	179	3	)	)	PUNCT
ejge-4656	179	4	provide	provide	VERB
ejge-4656	179	5	evidence	evidence	NOUN
ejge-4656	179	6	on	on	ADP
ejge-4656	179	7	higher	high	ADJ
ejge-4656	179	8	capital	capital	NOUN
ejge-4656	179	9	requirements	requirement	NOUN
ejge-4656	179	10	corresponding	correspond	VERB
ejge-4656	179	11	with	with	ADP
ejge-4656	179	12	lower	low	ADJ
ejge-4656	179	13	credit	credit	NOUN
ejge-4656	179	14	supply	supply	NOUN
ejge-4656	179	15	to	to	ADP
ejge-4656	179	16	corporations	corporation	NOUN
ejge-4656	179	17	.	.	PUNCT
ejge-4656	180	1	in	in	ADP
ejge-4656	180	2	a	a	DET
ejge-4656	180	3	similar	similar	ADJ
ejge-4656	180	4	vein	vein	NOUN
ejge-4656	180	5	,	,	PUNCT
ejge-4656	180	6	bridges	bridge	NOUN
ejge-4656	180	7	et	et	NOUN
ejge-4656	180	8	al	al	PROPN
ejge-4656	180	9	.	.	PUNCT
ejge-4656	181	1	(	(	PUNCT
ejge-4656	181	2	2014	2014	NUM
ejge-4656	181	3	)	)	PUNCT
ejge-4656	181	4	capture	capture	VERB
ejge-4656	181	5	a	a	DET
ejge-4656	181	6	relationship	relationship	NOUN
ejge-4656	181	7	between	between	ADP
ejge-4656	181	8	increased	increase	VERB
ejge-4656	181	9	capital	capital	NOUN
ejge-4656	181	10	requirements	requirement	NOUN
ejge-4656	181	11	and	and	CCONJ
ejge-4656	181	12	a	a	DET
ejge-4656	181	13	corresponding	corresponding	ADJ
ejge-4656	181	14	decrease	decrease	NOUN
ejge-4656	181	15	in	in	ADP
ejge-4656	181	16	lending	lend	VERB
ejge-4656	181	17	to	to	ADP
ejge-4656	181	18	private	private	ADJ
ejge-4656	181	19	non	non	ADJ
ejge-4656	181	20	-	-	ADJ
ejge-4656	181	21	financial	financial	ADJ
ejge-4656	181	22	corporations	corporation	NOUN
ejge-4656	181	23	.	.	PUNCT
ejge-4656	182	1	aiyar	aiyar	PROPN
ejge-4656	182	2	et	et	PROPN
ejge-4656	182	3	al	al	PROPN
ejge-4656	182	4	.	.	PROPN
ejge-4656	183	1	(	(	PUNCT
ejge-4656	183	2	2014	2014	NUM
ejge-4656	183	3	)	)	PUNCT
ejge-4656	183	4	conclude	conclude	VERB
ejge-4656	183	5	that	that	DET
ejge-4656	183	6	u.k	u.k	PROPN
ejge-4656	183	7	.	.	PROPN
ejge-4656	183	8	banks	bank	NOUN
ejge-4656	183	9	to	to	PART
ejge-4656	183	10	reduce	reduce	VERB
ejge-4656	183	11	lending	lending	NOUN
ejge-4656	183	12	in	in	ADP
ejge-4656	183	13	response	response	NOUN
ejge-4656	183	14	to	to	ADP
ejge-4656	183	15	tighter	tight	ADJ
ejge-4656	183	16	capital	capital	NOUN
ejge-4656	183	17	requirements	requirement	NOUN
ejge-4656	183	18	(	(	PUNCT
ejge-4656	183	19	1	1	NUM
ejge-4656	183	20	percentage	percentage	NOUN
ejge-4656	183	21	point	point	NOUN
ejge-4656	183	22	increase	increase	NOUN
ejge-4656	183	23	in	in	ADP
ejge-4656	183	24	capital	capital	NOUN
ejge-4656	183	25	requirements	requirement	NOUN
ejge-4656	183	26	reduced	reduce	VERB
ejge-4656	183	27	credit	credit	NOUN
ejge-4656	183	28	growth	growth	NOUN
ejge-4656	183	29	by	by	ADP
ejge-4656	183	30	6.57.2	6.57.2	NUM
ejge-4656	183	31	percentage	percentage	NOUN
ejge-4656	183	32	points	point	NOUN
ejge-4656	183	33	)	)	PUNCT
ejge-4656	183	34	.	.	PUNCT
ejge-4656	184	1	mesonnier	mesonnier	NOUN
ejge-4656	184	2	and	and	CCONJ
ejge-4656	184	3	monks	monk	NOUN
ejge-4656	184	4	(	(	PUNCT
ejge-4656	184	5	2015	2015	NUM
ejge-4656	184	6	)	)	PUNCT
ejge-4656	184	7	estimate	estimate	VERB
ejge-4656	184	8	a	a	DET
ejge-4656	184	9	1	1	NUM
ejge-4656	184	10	percentage	percentage	NOUN
ejge-4656	184	11	point	point	NOUN
ejge-4656	184	12	increase	increase	NOUN
ejge-4656	184	13	in	in	ADP
ejge-4656	184	14	core	core	ADJ
ejge-4656	184	15	tier	tier	NOUN
ejge-4656	184	16	1	1	NUM
ejge-4656	184	17	ratio	ratio	NOUN
ejge-4656	184	18	to	to	PART
ejge-4656	184	19	be	be	AUX
ejge-4656	184	20	associated	associate	VERB
ejge-4656	184	21	with	with	ADP
ejge-4656	184	22	a	a	DET
ejge-4656	184	23	1.2	1.2	NUM
ejge-4656	184	24	percentage	percentage	NOUN
ejge-4656	184	25	point	point	NOUN
ejge-4656	184	26	reduction	reduction	NOUN
ejge-4656	184	27	in	in	ADP
ejge-4656	184	28	credit	credit	NOUN
ejge-4656	184	29	growth	growth	NOUN
ejge-4656	184	30	.	.	PUNCT
ejge-4656	185	1	similarly	similarly	ADV
ejge-4656	185	2	,	,	PUNCT
ejge-4656	185	3	the	the	DET
ejge-4656	185	4	results	result	NOUN
ejge-4656	185	5	by	by	ADP
ejge-4656	185	6	noss	noss	PROPN
ejge-4656	185	7	and	and	CCONJ
ejge-4656	185	8	toffano	toffano	PROPN
ejge-4656	185	9	(	(	PUNCT
ejge-4656	185	10	2016	2016	NUM
ejge-4656	185	11	)	)	PUNCT
ejge-4656	185	12	suggest	suggest	VERB
ejge-4656	185	13	a	a	DET
ejge-4656	185	14	decrease	decrease	NOUN
ejge-4656	185	15	in	in	ADP
ejge-4656	185	16	lending	lending	NOUN
ejge-4656	185	17	subsequent	subsequent	ADJ
ejge-4656	185	18	to	to	ADP
ejge-4656	185	19	an	an	DET
ejge-4656	185	20	increase	increase	NOUN
ejge-4656	185	21	in	in	ADP
ejge-4656	185	22	aggregate	aggregate	ADJ
ejge-4656	185	23	bank	bank	NOUN
ejge-4656	185	24	capital	capital	NOUN
ejge-4656	185	25	requirement	requirement	NOUN
ejge-4656	185	26	,	,	PUNCT
ejge-4656	185	27	but	but	CCONJ
ejge-4656	185	28	that	that	SCONJ
ejge-4656	185	29	the	the	DET
ejge-4656	185	30	effect	effect	NOUN
ejge-4656	185	31	is	be	AUX
ejge-4656	185	32	larger	large	ADJ
ejge-4656	185	33	in	in	ADP
ejge-4656	185	34	corporate	corporate	ADJ
ejge-4656	185	35	lending	lending	NOUN
ejge-4656	185	36	vis	vis	X
ejge-4656	185	37	-	-	X
ejge-4656	185	38	à	à	X
ejge-4656	185	39	-	-	PUNCT
ejge-4656	185	40	vis	vis	X
ejge-4656	185	41	to	to	ADP
ejge-4656	185	42	the	the	DET
ejge-4656	185	43	household	household	NOUN
ejge-4656	185	44	lending	lending	NOUN
ejge-4656	185	45	.	.	PUNCT
ejge-4656	186	1	in	in	ADP
ejge-4656	186	2	consequence	consequence	NOUN
ejge-4656	186	3	,	,	PUNCT
ejge-4656	186	4	the	the	DET
ejge-4656	186	5	bank	bank	NOUN
ejge-4656	186	6	lending	lending	NOUN
ejge-4656	186	7	capacity	capacity	NOUN
ejge-4656	186	8	is	be	AUX
ejge-4656	186	9	of	of	ADP
ejge-4656	186	10	particular	particular	ADJ
ejge-4656	186	11	concern	concern	NOUN
ejge-4656	186	12	in	in	ADP
ejge-4656	186	13	the	the	DET
ejge-4656	186	14	case	case	NOUN
ejge-4656	186	15	of	of	ADP
ejge-4656	186	16	small	small	ADJ
ejge-4656	186	17	and	and	CCONJ
ejge-4656	186	18	medium	medium	ADJ
ejge-4656	186	19	-	-	PUNCT
ejge-4656	186	20	sized	sized	ADJ
ejge-4656	186	21	enterprises	enterprise	NOUN
ejge-4656	186	22	,	,	PUNCT
ejge-4656	186	23	as	as	SCONJ
ejge-4656	186	24	they	they	PRON
ejge-4656	186	25	are	be	AUX
ejge-4656	186	26	typically	typically	ADV
ejge-4656	186	27	the	the	DET
ejge-4656	186	28	main	main	ADJ
ejge-4656	186	29	contributors	contributor	NOUN
ejge-4656	186	30	for	for	ADP
ejge-4656	186	31	economic	economic	ADJ
ejge-4656	186	32	growth	growth	NOUN
ejge-4656	186	33	and	and	CCONJ
ejge-4656	186	34	employment	employment	NOUN
ejge-4656	186	35	(	(	PUNCT
ejge-4656	186	36	european	european	ADJ
ejge-4656	186	37	banking	banking	NOUN
ejge-4656	186	38	authority	authority	NOUN
ejge-4656	186	39	,	,	PUNCT
ejge-4656	186	40	2012	2012	NUM
ejge-4656	186	41	)	)	PUNCT
ejge-4656	186	42	.	.	PUNCT
ejge-4656	187	1	although	although	SCONJ
ejge-4656	187	2	capital	capital	NOUN
ejge-4656	187	3	requirements	requirement	NOUN
ejge-4656	187	4	do	do	AUX
ejge-4656	187	5	not	not	PART
ejge-4656	187	6	have	have	VERB
ejge-4656	187	7	the	the	DET
ejge-4656	187	8	objective	objective	NOUN
ejge-4656	187	9	to	to	PART
ejge-4656	187	10	affect	affect	VERB
ejge-4656	187	11	credit	credit	NOUN
ejge-4656	187	12	supply	supply	NOUN
ejge-4656	187	13	per	per	ADP
ejge-4656	187	14	se	se	X
ejge-4656	187	15	,	,	PUNCT
ejge-4656	187	16	the	the	DET
ejge-4656	187	17	increased	increase	VERB
ejge-4656	187	18	capital	capital	NOUN
ejge-4656	187	19	requirements	requirement	NOUN
ejge-4656	187	20	may	may	AUX
ejge-4656	187	21	nevertheless	nevertheless	ADV
ejge-4656	187	22	have	have	VERB
ejge-4656	187	23	indirect	indirect	ADJ
ejge-4656	187	24	effects	effect	NOUN
ejge-4656	187	25	on	on	ADP
ejge-4656	187	26	lending	lending	NOUN
ejge-4656	187	27	,	,	PUNCT
ejge-4656	187	28	should	should	AUX
ejge-4656	187	29	raising	raise	VERB
ejge-4656	187	30	capital	capital	NOUN
ejge-4656	187	31	become	become	VERB
ejge-4656	187	32	(	(	PUNCT
ejge-4656	187	33	too	too	ADV
ejge-4656	187	34	)	)	PUNCT
ejge-4656	187	35	costly	costly	ADJ
ejge-4656	187	36	(	(	PUNCT
ejge-4656	187	37	de	de	X
ejge-4656	187	38	jonghey	jonghey	X
ejge-4656	187	39	et	et	PROPN
ejge-4656	187	40	al	al	PROPN
ejge-4656	187	41	.	.	PROPN
ejge-4656	187	42	,	,	PUNCT
ejge-4656	187	43	2016	2016	NUM
ejge-4656	187	44	)	)	PUNCT
ejge-4656	187	45	.	.	PUNCT
ejge-4656	188	1	in	in	ADP
ejge-4656	188	2	this	this	DET
ejge-4656	188	3	vein	vein	NOUN
ejge-4656	188	4	,	,	PUNCT
ejge-4656	188	5	the	the	DET
ejge-4656	188	6	survey	survey	NOUN
ejge-4656	188	7	first	first	ADV
ejge-4656	188	8	asked	ask	VERB
ejge-4656	188	9	the	the	DET
ejge-4656	188	10	respondents	respondent	NOUN
ejge-4656	188	11	to	to	PART
ejge-4656	188	12	assess	assess	VERB
ejge-4656	188	13	whether	whether	SCONJ
ejge-4656	188	14	their	their	PRON
ejge-4656	188	15	loan	loan	NOUN
ejge-4656	188	16	terms	term	NOUN
ejge-4656	188	17	had	have	AUX
ejge-4656	188	18	tightened	tighten	VERB
ejge-4656	188	19	during	during	ADP
ejge-4656	188	20	the	the	DET
ejge-4656	188	21	current	current	ADJ
ejge-4656	188	22	decade	decade	NOUN
ejge-4656	188	23	.	.	PUNCT
ejge-4656	189	1	secondly	secondly	ADV
ejge-4656	189	2	,	,	PUNCT
ejge-4656	189	3	respondents	respondent	NOUN
ejge-4656	189	4	were	be	AUX
ejge-4656	189	5	asked	ask	VERB
ejge-4656	189	6	to	to	PART
ejge-4656	189	7	assess	assess	VERB
ejge-4656	189	8	the	the	DET
ejge-4656	189	9	magnitude	magnitude	NOUN
ejge-4656	189	10	of	of	ADP
ejge-4656	189	11	regulatory	regulatory	ADJ
ejge-4656	189	12	reform	reform	NOUN
ejge-4656	189	13	’s	’s	PART
ejge-4656	189	14	direct	direct	ADJ
ejge-4656	189	15	impact	impact	NOUN
ejge-4656	189	16	on	on	ADP
ejge-4656	189	17	their	their	PRON
ejge-4656	189	18	loan	loan	NOUN
ejge-4656	189	19	terms	term	NOUN
ejge-4656	189	20	.	.	PUNCT
ejge-4656	190	1	the	the	DET
ejge-4656	190	2	results	result	NOUN
ejge-4656	190	3	are	be	AUX
ejge-4656	190	4	reported	report	VERB
ejge-4656	190	5	in	in	ADP
ejge-4656	190	6	m.	m.	PROPN
ejge-4656	190	7	huhtilainen	huhtilainen	PROPN
ejge-4656	190	8	/	/	SYM
ejge-4656	190	9	european	european	PROPN
ejge-4656	190	10	journal	journal	PROPN
ejge-4656	190	11	of	of	ADP
ejge-4656	190	12	government	government	NOUN
ejge-4656	190	13	and	and	CCONJ
ejge-4656	190	14	economics	economic	NOUN
ejge-4656	190	15	8(2	8(2	NUM
ejge-4656	190	16	)	)	PUNCT
ejge-4656	190	17	,	,	PUNCT
ejge-4656	190	18	december	december	PROPN
ejge-4656	190	19	2019	2019	NUM
ejge-4656	190	20	,	,	PUNCT
ejge-4656	190	21	203	203	NUM
ejge-4656	190	22	-	-	SYM
ejge-4656	190	23	217	217	NUM
ejge-4656	190	24	212	212	NUM
ejge-4656	190	25	    	    	SPACE
ejge-4656	190	26	table	table	NOUN
ejge-4656	190	27	5	5	NUM
ejge-4656	190	28	.	.	PUNCT
ejge-4656	191	1	the	the	DET
ejge-4656	191	2	impact	impact	NOUN
ejge-4656	191	3	of	of	ADP
ejge-4656	191	4	renewed	renew	VERB
ejge-4656	191	5	regulation	regulation	NOUN
ejge-4656	191	6	on	on	ADP
ejge-4656	191	7	loan	loan	NOUN
ejge-4656	191	8	terms	term	NOUN
ejge-4656	191	9	.	.	PUNCT
ejge-4656	192	1	loan	loan	NOUN
ejge-4656	192	2	portfolio	portfolio	NOUN
ejge-4656	192	3	as	as	ADP
ejge-4656	192	4	a	a	DET
ejge-4656	192	5	whole	whole	ADJ
ejge-4656	192	6	loans	loan	NOUN
ejge-4656	192	7	for	for	ADP
ejge-4656	192	8	smes	sme	NOUN
ejge-4656	192	9	loans	loan	NOUN
ejge-4656	192	10	for	for	ADP
ejge-4656	192	11	large	large	ADJ
ejge-4656	192	12	enterprises	enterprise	NOUN
ejge-4656	192	13	loans	loan	NOUN
ejge-4656	192	14	for	for	ADP
ejge-4656	192	15	households	household	NOUN
ejge-4656	192	16	/	/	SYM
ejge-4656	192	17	personal	personal	ADJ
ejge-4656	192	18	loans	loan	NOUN
ejge-4656	192	19	shortterm	shortterm	VERB
ejge-4656	192	20	loans	loan	NOUN
ejge-4656	192	21	longterm	longterm	PROPN
ejge-4656	192	22	loans	loan	NOUN
ejge-4656	192	23	loan	loan	NOUN
ejge-4656	192	24	portfolio	portfolio	NOUN
ejge-4656	192	25	as	as	ADP
ejge-4656	192	26	a	a	DET
ejge-4656	192	27	whole	whole	ADJ
ejge-4656	192	28	loans	loan	NOUN
ejge-4656	192	29	for	for	ADP
ejge-4656	192	30	smes	sme	NOUN
ejge-4656	192	31	loans	loan	NOUN
ejge-4656	192	32	for	for	ADP
ejge-4656	192	33	large	large	ADJ
ejge-4656	192	34	enterprises	enterprise	NOUN
ejge-4656	192	35	loans	loan	NOUN
ejge-4656	192	36	for	for	ADP
ejge-4656	192	37	households	household	NOUN
ejge-4656	192	38	/	/	SYM
ejge-4656	192	39	personal	personal	ADJ
ejge-4656	192	40	loans	loan	NOUN
ejge-4656	192	41	shortterm	shortterm	VERB
ejge-4656	192	42	loans	loan	NOUN
ejge-4656	192	43	longterm	longterm	VERB
ejge-4656	192	44	loans	loan	NOUN
ejge-4656	192	45	n	n	CCONJ
ejge-4656	192	46	valid	valid	ADJ
ejge-4656	192	47	7	7	NUM
ejge-4656	192	48	6	6	NUM
ejge-4656	192	49	5	5	NUM
ejge-4656	192	50	7	7	NUM
ejge-4656	192	51	6	6	NUM
ejge-4656	192	52	6	6	NUM
ejge-4656	192	53	6	6	NUM
ejge-4656	192	54	5	5	NUM
ejge-4656	192	55	4	4	NUM
ejge-4656	192	56	6	6	NUM
ejge-4656	192	57	5	5	NUM
ejge-4656	192	58	5	5	NUM
ejge-4656	192	59	missing	miss	VERB
ejge-4656	192	60	0	0	NUM
ejge-4656	192	61	1	1	NUM
ejge-4656	192	62	2	2	NUM
ejge-4656	192	63	0	0	NUM
ejge-4656	192	64	1	1	NUM
ejge-4656	192	65	1	1	NUM
ejge-4656	192	66	1	1	NUM
ejge-4656	192	67	2	2	NUM
ejge-4656	192	68	3	3	NUM
ejge-4656	192	69	1	1	NUM
ejge-4656	192	70	2	2	NUM
ejge-4656	192	71	2	2	NUM
ejge-4656	192	72	median	median	NOUN
ejge-4656	192	73	3	3	NUM
ejge-4656	192	74	3	3	NUM
ejge-4656	192	75	3	3	NUM
ejge-4656	192	76	3	3	NUM
ejge-4656	192	77	3	3	NUM
ejge-4656	192	78	3	3	NUM
ejge-4656	192	79	3,50	3,50	NUM
ejge-4656	192	80	3	3	NUM
ejge-4656	192	81	3,50	3,50	NUM
ejge-4656	192	82	3	3	NUM
ejge-4656	192	83	3	3	NUM
ejge-4656	192	84	4	4	NUM
ejge-4656	192	85	mode	mode	NOUN
ejge-4656	192	86	3	3	NUM
ejge-4656	192	87	3	3	NUM
ejge-4656	192	88	3	3	NUM
ejge-4656	192	89	3	3	NUM
ejge-4656	192	90	3	3	NUM
ejge-4656	192	91	3	3	NUM
ejge-4656	192	92	4	4	NUM
ejge-4656	192	93	3	3	NUM
ejge-4656	192	94	3a	3a	NUM
ejge-4656	192	95	3	3	NUM
ejge-4656	192	96	3	3	NUM
ejge-4656	192	97	4	4	NUM
ejge-4656	192	98	range	range	NOUN
ejge-4656	192	99	2	2	NUM
ejge-4656	192	100	2	2	NUM
ejge-4656	192	101	2	2	NUM
ejge-4656	192	102	2	2	NUM
ejge-4656	192	103	2	2	NUM
ejge-4656	192	104	3	3	NUM
ejge-4656	192	105	2	2	NUM
ejge-4656	192	106	1	1	NUM
ejge-4656	192	107	1	1	NUM
ejge-4656	192	108	3	3	NUM
ejge-4656	192	109	1	1	NUM
ejge-4656	192	110	1	1	NUM
ejge-4656	192	111	minimum	minimum	NOUN
ejge-4656	192	112	2	2	NUM
ejge-4656	192	113	2	2	NUM
ejge-4656	192	114	2	2	NUM
ejge-4656	192	115	2	2	NUM
ejge-4656	192	116	2	2	NUM
ejge-4656	192	117	2	2	NUM
ejge-4656	192	118	2	2	NUM
ejge-4656	192	119	3	3	NUM
ejge-4656	192	120	3	3	NUM
ejge-4656	192	121	2	2	NUM
ejge-4656	192	122	3	3	NUM
ejge-4656	192	123	3	3	NUM
ejge-4656	192	124	maximum	maximum	NOUN
ejge-4656	192	125	4	4	NUM
ejge-4656	192	126	4	4	NUM
ejge-4656	192	127	4	4	NUM
ejge-4656	192	128	4	4	NUM
ejge-4656	192	129	4	4	NUM
ejge-4656	192	130	5	5	NUM
ejge-4656	192	131	4	4	NUM
ejge-4656	192	132	4	4	NUM
ejge-4656	192	133	4	4	NUM
ejge-4656	192	134	5	5	NUM
ejge-4656	192	135	4	4	NUM
ejge-4656	192	136	4	4	NUM
ejge-4656	192	137	note	note	NOUN
ejge-4656	192	138	.	.	PUNCT
ejge-4656	193	1	a.	a.	NOUN
ejge-4656	193	2	multiple	multiple	PROPN
ejge-4656	193	3	modes	mode	NOUN
ejge-4656	193	4	exist	exist	VERB
ejge-4656	193	5	.	.	PUNCT
ejge-4656	194	1	the	the	DET
ejge-4656	194	2	smallest	small	ADJ
ejge-4656	194	3	value	value	NOUN
ejge-4656	194	4	is	be	AUX
ejge-4656	194	5	shown	show	VERB
ejge-4656	194	6	.	.	PUNCT
ejge-4656	195	1	at	at	ADP
ejge-4656	195	2	first	first	ADV
ejge-4656	195	3	,	,	PUNCT
ejge-4656	195	4	respondents	respondent	NOUN
ejge-4656	195	5	were	be	AUX
ejge-4656	195	6	presented	present	VERB
ejge-4656	195	7	the	the	DET
ejge-4656	195	8	following	follow	VERB
ejge-4656	195	9	statement	statement	NOUN
ejge-4656	195	10	:	:	PUNCT
ejge-4656	195	11	“	"	PUNCT
ejge-4656	195	12	our	our	PRON
ejge-4656	195	13	loan	loan	NOUN
ejge-4656	195	14	terms	term	NOUN
ejge-4656	195	15	have	have	AUX
ejge-4656	195	16	tightened	tighten	VERB
ejge-4656	195	17	notably	notably	ADV
ejge-4656	195	18	during	during	ADP
ejge-4656	195	19	the	the	DET
ejge-4656	195	20	current	current	ADJ
ejge-4656	195	21	decade	decade	NOUN
ejge-4656	195	22	in	in	ADP
ejge-4656	195	23	the	the	DET
ejge-4656	195	24	following	follow	VERB
ejge-4656	195	25	cases	case	NOUN
ejge-4656	195	26	”	"	PUNCT
ejge-4656	195	27	.	.	PUNCT
ejge-4656	196	1	for	for	ADP
ejge-4656	196	2	the	the	DET
ejge-4656	196	3	latter	latter	ADJ
ejge-4656	196	4	part	part	NOUN
ejge-4656	196	5	,	,	PUNCT
ejge-4656	196	6	the	the	DET
ejge-4656	196	7	statement	statement	NOUN
ejge-4656	196	8	was	be	AUX
ejge-4656	196	9	:	:	PUNCT
ejge-4656	196	10	“	"	PUNCT
ejge-4656	196	11	the	the	DET
ejge-4656	196	12	direct	direct	ADJ
ejge-4656	196	13	impact	impact	NOUN
ejge-4656	196	14	of	of	ADP
ejge-4656	196	15	regulation	regulation	NOUN
ejge-4656	196	16	on	on	ADP
ejge-4656	196	17	our	our	PRON
ejge-4656	196	18	loan	loan	NOUN
ejge-4656	196	19	terms	term	NOUN
ejge-4656	196	20	has	have	AUX
ejge-4656	196	21	been	be	AUX
ejge-4656	196	22	notable	notable	ADJ
ejge-4656	196	23	in	in	ADP
ejge-4656	196	24	the	the	DET
ejge-4656	196	25	following	follow	VERB
ejge-4656	196	26	cases	case	NOUN
ejge-4656	196	27	”	"	PUNCT
ejge-4656	196	28	.	.	PUNCT
ejge-4656	197	1	answers	answer	NOUN
ejge-4656	197	2	were	be	AUX
ejge-4656	197	3	coded	code	VERB
ejge-4656	197	4	as	as	ADP
ejge-4656	197	5	1	1	NUM
ejge-4656	197	6	=	=	NUM
ejge-4656	197	7	“	"	PUNCT
ejge-4656	197	8	strongly	strongly	ADV
ejge-4656	197	9	disagree	disagree	VERB
ejge-4656	197	10	”	"	PUNCT
ejge-4656	197	11	,	,	PUNCT
ejge-4656	197	12	2	2	NUM
ejge-4656	197	13	=	=	PUNCT
ejge-4656	197	14	“	"	PUNCT
ejge-4656	197	15	disagree	disagree	VERB
ejge-4656	197	16	”	"	PUNCT
ejge-4656	197	17	,	,	PUNCT
ejge-4656	197	18	3	3	NUM
ejge-4656	197	19	=	=	NUM
ejge-4656	197	20	“	"	PUNCT
ejge-4656	197	21	neutral	neutral	ADJ
ejge-4656	197	22	”	"	PUNCT
ejge-4656	197	23	,	,	PUNCT
ejge-4656	197	24	4	4	NUM
ejge-4656	197	25	=	=	NUM
ejge-4656	197	26	“	"	PUNCT
ejge-4656	197	27	agree	agree	VERB
ejge-4656	197	28	”	"	PUNCT
ejge-4656	197	29	,	,	PUNCT
ejge-4656	197	30	5	5	NUM
ejge-4656	197	31	=	=	PUNCT
ejge-4656	197	32	“	"	PUNCT
ejge-4656	197	33	strongly	strongly	ADV
ejge-4656	197	34	agree	agree	VERB
ejge-4656	197	35	”	"	PUNCT
ejge-4656	197	36	.	.	PUNCT
ejge-4656	198	1	table	table	NOUN
ejge-4656	198	2	5	5	NUM
ejge-4656	198	3	.	.	PUNCT
ejge-4656	198	4	accordingly	accordingly	ADV
ejge-4656	198	5	,	,	PUNCT
ejge-4656	198	6	in	in	ADP
ejge-4656	198	7	case	case	NOUN
ejge-4656	198	8	of	of	ADP
ejge-4656	198	9	both	both	CCONJ
ejge-4656	198	10	sme	sme	NOUN
ejge-4656	198	11	and	and	CCONJ
ejge-4656	198	12	large	large	ADJ
ejge-4656	198	13	enterprise	enterprise	NOUN
ejge-4656	198	14	lending	lending	NOUN
ejge-4656	198	15	,	,	PUNCT
ejge-4656	198	16	the	the	DET
ejge-4656	198	17	respondents	respondent	NOUN
ejge-4656	198	18	were	be	AUX
ejge-4656	198	19	collectively	collectively	ADV
ejge-4656	198	20	neutral	neutral	ADJ
ejge-4656	198	21	to	to	ADP
ejge-4656	198	22	slightly	slightly	ADV
ejge-4656	198	23	at	at	ADP
ejge-4656	198	24	one	one	NUM
ejge-4656	198	25	with	with	ADP
ejge-4656	198	26	the	the	DET
ejge-4656	198	27	stance	stance	NOUN
ejge-4656	198	28	according	accord	VERB
ejge-4656	198	29	to	to	ADP
ejge-4656	198	30	which	which	PRON
ejge-4656	198	31	the	the	DET
ejge-4656	198	32	renewed	renew	VERB
ejge-4656	198	33	regulation	regulation	NOUN
ejge-4656	198	34	has	have	AUX
ejge-4656	198	35	had	have	VERB
ejge-4656	198	36	a	a	DET
ejge-4656	198	37	notable	notable	ADJ
ejge-4656	198	38	impact	impact	NOUN
ejge-4656	198	39	on	on	ADP
ejge-4656	198	40	their	their	PRON
ejge-4656	198	41	loan	loan	NOUN
ejge-4656	198	42	terms	term	NOUN
ejge-4656	198	43	.	.	PUNCT
ejge-4656	199	1	identical	identical	ADJ
ejge-4656	199	2	,	,	PUNCT
ejge-4656	199	3	consistent	consistent	ADJ
ejge-4656	199	4	agreement	agreement	NOUN
ejge-4656	199	5	is	be	AUX
ejge-4656	199	6	captured	capture	VERB
ejge-4656	199	7	for	for	ADP
ejge-4656	199	8	both	both	DET
ejge-4656	199	9	shortand	shortand	NOUN
ejge-4656	199	10	long	long	ADJ
ejge-4656	199	11	-	-	PUNCT
ejge-4656	199	12	term	term	NOUN
ejge-4656	199	13	loans	loan	NOUN
ejge-4656	199	14	(	(	PUNCT
ejge-4656	199	15	last	last	ADJ
ejge-4656	199	16	two	two	NUM
ejge-4656	199	17	items	item	NOUN
ejge-4656	199	18	):	):	PUNCT
ejge-4656	199	19	due	due	ADP
ejge-4656	199	20	to	to	ADP
ejge-4656	199	21	the	the	DET
ejge-4656	199	22	potential	potential	ADJ
ejge-4656	199	23	endogeneity	endogeneity	NOUN
ejge-4656	199	24	bias	bias	NOUN
ejge-4656	199	25	discussed	discuss	VERB
ejge-4656	199	26	earlier	early	ADV
ejge-4656	199	27	,	,	PUNCT
ejge-4656	199	28	the	the	DET
ejge-4656	199	29	respondents	respondent	NOUN
ejge-4656	199	30	were	be	AUX
ejge-4656	199	31	asked	ask	VERB
ejge-4656	199	32	to	to	PART
ejge-4656	199	33	assess	assess	VERB
ejge-4656	199	34	the	the	DET
ejge-4656	199	35	impact	impact	NOUN
ejge-4656	199	36	of	of	ADP
ejge-4656	199	37	different	different	ADJ
ejge-4656	199	38	factors	factor	NOUN
ejge-4656	199	39	on	on	ADP
ejge-4656	199	40	the	the	DET
ejge-4656	199	41	possible	possible	ADJ
ejge-4656	199	42	change	change	NOUN
ejge-4656	199	43	in	in	ADP
ejge-4656	199	44	their	their	PRON
ejge-4656	199	45	credit	credit	NOUN
ejge-4656	199	46	supply	supply	NOUN
ejge-4656	199	47	for	for	ADP
ejge-4656	199	48	the	the	DET
ejge-4656	199	49	past	past	ADJ
ejge-4656	199	50	three	three	NUM
ejge-4656	199	51	years	year	NOUN
ejge-4656	199	52	.	.	PUNCT
ejge-4656	200	1	the	the	DET
ejge-4656	200	2	answers	answer	NOUN
ejge-4656	200	3	are	be	AUX
ejge-4656	200	4	rather	rather	ADV
ejge-4656	200	5	diversified	diversified	ADJ
ejge-4656	200	6	without	without	ADP
ejge-4656	200	7	any	any	DET
ejge-4656	200	8	clear	clear	ADJ
ejge-4656	200	9	consistency	consistency	NOUN
ejge-4656	200	10	.	.	PUNCT
ejge-4656	201	1	hence	hence	ADV
ejge-4656	201	2	,	,	PUNCT
ejge-4656	201	3	the	the	DET
ejge-4656	201	4	previously	previously	ADV
ejge-4656	201	5	voiced	voice	VERB
ejge-4656	201	6	problems	problem	NOUN
ejge-4656	201	7	in	in	ADP
ejge-4656	201	8	regards	regard	NOUN
ejge-4656	201	9	to	to	ADP
ejge-4656	201	10	isolating	isolate	VERB
ejge-4656	201	11	the	the	DET
ejge-4656	201	12	true	true	ADJ
ejge-4656	201	13	regulatory	regulatory	ADJ
ejge-4656	201	14	effect	effect	NOUN
ejge-4656	201	15	are	be	AUX
ejge-4656	201	16	emphasized	emphasize	VERB
ejge-4656	201	17	by	by	ADP
ejge-4656	201	18	the	the	DET
ejge-4656	201	19	results	result	NOUN
ejge-4656	201	20	reported	report	VERB
ejge-4656	201	21	in	in	ADP
ejge-4656	201	22	table	table	NOUN
ejge-4656	201	23	6	6	NUM
ejge-4656	201	24	.	.	PUNCT
ejge-4656	202	1	thirdly	thirdly	ADV
ejge-4656	202	2	,	,	PUNCT
ejge-4656	202	3	the	the	DET
ejge-4656	202	4	respondents	respondent	NOUN
ejge-4656	202	5	were	be	AUX
ejge-4656	202	6	asked	ask	VERB
ejge-4656	202	7	to	to	PART
ejge-4656	202	8	estimate	estimate	VERB
ejge-4656	202	9	the	the	DET
ejge-4656	202	10	impact	impact	NOUN
ejge-4656	202	11	of	of	ADP
ejge-4656	202	12	increased	increase	VERB
ejge-4656	202	13	capital	capital	NOUN
ejge-4656	202	14	requirements	requirement	NOUN
ejge-4656	202	15	on	on	ADP
ejge-4656	202	16	the	the	DET
ejge-4656	202	17	price	price	NOUN
ejge-4656	202	18	of	of	ADP
ejge-4656	202	19	credit	credit	NOUN
ejge-4656	202	20	in	in	ADP
ejge-4656	202	21	different	different	ADJ
ejge-4656	202	22	lending	lending	NOUN
ejge-4656	202	23	scenarios	scenario	NOUN
ejge-4656	202	24	.	.	PUNCT
ejge-4656	203	1	for	for	ADP
ejge-4656	203	2	instance	instance	NOUN
ejge-4656	203	3	,	,	PUNCT
ejge-4656	203	4	kisin	kisin	PROPN
ejge-4656	203	5	and	and	CCONJ
ejge-4656	203	6	manela	manela	PROPN
ejge-4656	203	7	(	(	PUNCT
ejge-4656	203	8	2016	2016	NUM
ejge-4656	203	9	)	)	PUNCT
ejge-4656	203	10	estimated	estimate	VERB
ejge-4656	203	11	a	a	DET
ejge-4656	203	12	0.3	0.3	NUM
ejge-4656	203	13	basis	basis	NOUN
ejge-4656	203	14	points	point	NOUN
ejge-4656	203	15	increase	increase	NOUN
ejge-4656	203	16	in	in	ADP
ejge-4656	203	17	lending	lending	NOUN
ejge-4656	203	18	rates	rate	NOUN
ejge-4656	203	19	subsequent	subsequent	ADJ
ejge-4656	203	20	to	to	ADP
ejge-4656	203	21	a	a	DET
ejge-4656	203	22	1	1	NUM
ejge-4656	203	23	percentage	percentage	NOUN
ejge-4656	203	24	point	point	NOUN
ejge-4656	203	25	increase	increase	NOUN
ejge-4656	203	26	in	in	ADP
ejge-4656	203	27	capital	capital	NOUN
ejge-4656	203	28	requirements	requirement	NOUN
ejge-4656	203	29	.	.	PUNCT
ejge-4656	204	1	king	king	NOUN
ejge-4656	204	2	(	(	PUNCT
ejge-4656	204	3	2010	2010	NUM
ejge-4656	204	4	)	)	PUNCT
ejge-4656	204	5	concluded	conclude	VERB
ejge-4656	204	6	a	a	DET
ejge-4656	204	7	1	1	NUM
ejge-4656	204	8	percentage	percentage	NOUN
ejge-4656	204	9	point	point	NOUN
ejge-4656	204	10	increase	increase	NOUN
ejge-4656	204	11	in	in	ADP
ejge-4656	204	12	capital	capital	NOUN
ejge-4656	204	13	requirements	requirement	NOUN
ejge-4656	204	14	and	and	CCONJ
ejge-4656	204	15	a	a	DET
ejge-4656	204	16	corresponding	correspond	VERB
ejge-4656	204	17	15	15	NUM
ejge-4656	204	18	basis	basis	NOUN
ejge-4656	204	19	points	point	NOUN
ejge-4656	204	20	increase	increase	VERB
ejge-4656	204	21	in	in	ADP
ejge-4656	204	22	lending	lending	NOUN
ejge-4656	204	23	rates	rate	NOUN
ejge-4656	204	24	.	.	PUNCT
ejge-4656	205	1	consistent	consistent	ADJ
ejge-4656	205	2	results	result	NOUN
ejge-4656	205	3	are	be	AUX
ejge-4656	205	4	found	find	VERB
ejge-4656	205	5	in	in	ADP
ejge-4656	205	6	corbae	corbae	NOUN
ejge-4656	205	7	and	and	CCONJ
ejge-4656	205	8	d'erasmo	d'erasmo	NOUN
ejge-4656	205	9	(	(	PUNCT
ejge-4656	205	10	2014	2014	NUM
ejge-4656	205	11	)	)	PUNCT
ejge-4656	205	12	,	,	PUNCT
ejge-4656	205	13	de	de	X
ejge-4656	205	14	resende	resende	X
ejge-4656	205	15	et	et	PROPN
ejge-4656	205	16	al	al	PROPN
ejge-4656	205	17	.	.	PROPN
ejge-4656	206	1	(	(	PUNCT
ejge-4656	206	2	2010	2010	NUM
ejge-4656	206	3	)	)	PUNCT
ejge-4656	206	4	and	and	CCONJ
ejge-4656	206	5	hanson	hanson	PROPN
ejge-4656	206	6	et	et	PROPN
ejge-4656	206	7	al	al	PROPN
ejge-4656	206	8	.	.	PROPN
ejge-4656	207	1	(	(	PUNCT
ejge-4656	207	2	2011	2011	NUM
ejge-4656	207	3	)	)	PUNCT
ejge-4656	207	4	,	,	PUNCT
ejge-4656	207	5	although	although	SCONJ
ejge-4656	207	6	the	the	DET
ejge-4656	207	7	latter	latter	ADJ
ejge-4656	207	8	ones	one	NOUN
ejge-4656	207	9	propose	propose	VERB
ejge-4656	207	10	the	the	DET
ejge-4656	207	11	effect	effect	NOUN
ejge-4656	207	12	to	to	PART
ejge-4656	207	13	be	be	AUX
ejge-4656	207	14	relatively	relatively	ADV
ejge-4656	207	15	small	small	ADJ
ejge-4656	207	16	.	.	PUNCT
ejge-4656	208	1	in	in	ADP
ejge-4656	208	2	a	a	DET
ejge-4656	208	3	similar	similar	ADJ
ejge-4656	208	4	vein	vein	NOUN
ejge-4656	208	5	,	,	PUNCT
ejge-4656	208	6	the	the	DET
ejge-4656	208	7	responses	response	NOUN
ejge-4656	208	8	shown	show	VERB
ejge-4656	208	9	in	in	ADP
ejge-4656	208	10	table	table	NOUN
ejge-4656	208	11	7	7	NUM
ejge-4656	208	12	are	be	AUX
ejge-4656	208	13	somewhat	somewhat	ADV
ejge-4656	208	14	indicative	indicative	ADJ
ejge-4656	208	15	of	of	ADP
ejge-4656	208	16	the	the	DET
ejge-4656	208	17	linkage	linkage	NOUN
ejge-4656	208	18	between	between	ADP
ejge-4656	208	19	capital	capital	NOUN
ejge-4656	208	20	requirements	requirement	NOUN
ejge-4656	208	21	and	and	CCONJ
ejge-4656	208	22	the	the	DET
ejge-4656	208	23	price	price	NOUN
ejge-4656	208	24	of	of	ADP
ejge-4656	208	25	borrowing	borrowing	NOUN
ejge-4656	208	26	,	,	PUNCT
ejge-4656	208	27	though	though	SCONJ
ejge-4656	208	28	in	in	ADP
ejge-4656	208	29	a	a	DET
ejge-4656	208	30	lesser	less	ADJ
ejge-4656	208	31	extent	extent	NOUN
ejge-4656	208	32	in	in	ADP
ejge-4656	208	33	the	the	DET
ejge-4656	208	34	case	case	NOUN
ejge-4656	208	35	of	of	ADP
ejge-4656	208	36	personal	personal	ADJ
ejge-4656	208	37	and	and	CCONJ
ejge-4656	208	38	household	household	NOUN
ejge-4656	208	39	loans	loan	NOUN
ejge-4656	208	40	.	.	PUNCT
ejge-4656	209	1	table	table	NOUN
ejge-4656	209	2	6	6	NUM
ejge-4656	209	3	.	.	PUNCT
ejge-4656	210	1	impact	impact	NOUN
ejge-4656	210	2	of	of	ADP
ejge-4656	210	3	different	different	ADJ
ejge-4656	210	4	factors	factor	NOUN
ejge-4656	210	5	on	on	ADP
ejge-4656	210	6	the	the	DET
ejge-4656	210	7	possible	possible	ADJ
ejge-4656	210	8	change	change	NOUN
ejge-4656	210	9	in	in	ADP
ejge-4656	210	10	credit	credit	NOUN
ejge-4656	210	11	supply	supply	NOUN
ejge-4656	210	12	.	.	PUNCT
ejge-4656	211	1	changes	change	NOUN
ejge-4656	211	2	in	in	ADP
ejge-4656	211	3	demand	demand	NOUN
ejge-4656	211	4	side	side	NOUN
ejge-4656	211	5	capital	capital	NOUN
ejge-4656	211	6	requirements	requirement	NOUN
ejge-4656	211	7	under	under	ADP
ejge-4656	211	8	the	the	DET
ejge-4656	211	9	renewed	renew	VERB
ejge-4656	211	10	regulation	regulation	NOUN
ejge-4656	211	11	changes	change	NOUN
ejge-4656	211	12	in	in	ADP
ejge-4656	211	13	supply	supply	NOUN
ejge-4656	211	14	side	side	NOUN
ejge-4656	211	15	n	n	CCONJ
ejge-4656	211	16	valid	valid	ADJ
ejge-4656	211	17	7	7	NUM
ejge-4656	211	18	7	7	NUM
ejge-4656	211	19	7	7	NUM
ejge-4656	211	20	missing	miss	VERB
ejge-4656	211	21	0	0	NUM
ejge-4656	211	22	0	0	NUM
ejge-4656	211	23	0	0	NUM
ejge-4656	211	24	median	median	NOUN
ejge-4656	211	25	3	3	NUM
ejge-4656	211	26	3	3	NUM
ejge-4656	211	27	3	3	NUM
ejge-4656	211	28	mode	mode	NOUN
ejge-4656	211	29	3a	3a	NUM
ejge-4656	211	30	3	3	NUM
ejge-4656	211	31	2	2	NUM
ejge-4656	211	32	range	range	NOUN
ejge-4656	211	33	4	4	NUM
ejge-4656	211	34	3	3	NUM
ejge-4656	211	35	3	3	NUM
ejge-4656	211	36	minimum	minimum	NOUN
ejge-4656	211	37	1	1	NUM
ejge-4656	211	38	2	2	NUM
ejge-4656	211	39	2	2	NUM
ejge-4656	211	40	maximum	maximum	NOUN
ejge-4656	211	41	5	5	NUM
ejge-4656	211	42	5	5	NUM
ejge-4656	211	43	5	5	NUM
ejge-4656	211	44	note	note	NOUN
ejge-4656	211	45	.	.	PUNCT
ejge-4656	212	1	a.	a.	NOUN
ejge-4656	212	2	multiple	multiple	PROPN
ejge-4656	212	3	modes	mode	NOUN
ejge-4656	212	4	exist	exist	VERB
ejge-4656	212	5	.	.	PUNCT
ejge-4656	213	1	respondents	respondent	NOUN
ejge-4656	213	2	were	be	AUX
ejge-4656	213	3	asked	ask	VERB
ejge-4656	213	4	if	if	SCONJ
ejge-4656	213	5	“	"	PUNCT
ejge-4656	213	6	in	in	ADP
ejge-4656	213	7	the	the	DET
ejge-4656	213	8	last	last	ADJ
ejge-4656	213	9	three	three	NUM
ejge-4656	213	10	years	year	NOUN
ejge-4656	213	11	,	,	PUNCT
ejge-4656	213	12	our	our	PRON
ejge-4656	213	13	lending	lending	NOUN
ejge-4656	213	14	volume	volume	NOUN
ejge-4656	213	15	has	have	AUX
ejge-4656	213	16	been	be	AUX
ejge-4656	213	17	negatively	negatively	ADV
ejge-4656	213	18	affected	affect	VERB
ejge-4656	213	19	by	by	ADP
ejge-4656	213	20	the	the	DET
ejge-4656	213	21	following	follow	VERB
ejge-4656	213	22	reasons	reason	NOUN
ejge-4656	213	23	”	"	PUNCT
ejge-4656	213	24	.	.	PUNCT
ejge-4656	214	1	answers	answer	NOUN
ejge-4656	214	2	were	be	AUX
ejge-4656	214	3	coded	code	VERB
ejge-4656	214	4	as	as	ADP
ejge-4656	214	5	1	1	NUM
ejge-4656	214	6	=	=	NUM
ejge-4656	214	7	“	"	PUNCT
ejge-4656	214	8	strongly	strongly	ADV
ejge-4656	214	9	disagree	disagree	VERB
ejge-4656	214	10	”	"	PUNCT
ejge-4656	214	11	,	,	PUNCT
ejge-4656	214	12	2	2	NUM
ejge-4656	214	13	=	=	PUNCT
ejge-4656	214	14	“	"	PUNCT
ejge-4656	214	15	disagree	disagree	VERB
ejge-4656	214	16	”	"	PUNCT
ejge-4656	214	17	,	,	PUNCT
ejge-4656	214	18	3	3	NUM
ejge-4656	214	19	=	=	NUM
ejge-4656	214	20	“	"	PUNCT
ejge-4656	214	21	neutral	neutral	ADJ
ejge-4656	214	22	”	"	PUNCT
ejge-4656	214	23	,	,	PUNCT
ejge-4656	214	24	4	4	NUM
ejge-4656	214	25	=	=	NUM
ejge-4656	214	26	“	"	PUNCT
ejge-4656	214	27	agree	agree	VERB
ejge-4656	214	28	”	"	PUNCT
ejge-4656	214	29	,	,	PUNCT
ejge-4656	214	30	5	5	NUM
ejge-4656	214	31	=	=	PUNCT
ejge-4656	214	32	“	"	PUNCT
ejge-4656	214	33	strongly	strongly	ADV
ejge-4656	214	34	agree	agree	VERB
ejge-4656	214	35	”	"	PUNCT
ejge-4656	214	36	.	.	PUNCT
ejge-4656	215	1	m.	m.	NOUN
ejge-4656	215	2	huhtilainen	huhtilainen	PROPN
ejge-4656	215	3	/	/	SYM
ejge-4656	215	4	european	european	PROPN
ejge-4656	215	5	journal	journal	PROPN
ejge-4656	215	6	of	of	ADP
ejge-4656	215	7	government	government	NOUN
ejge-4656	215	8	and	and	CCONJ
ejge-4656	215	9	economics	economic	NOUN
ejge-4656	215	10	8(2	8(2	NUM
ejge-4656	215	11	)	)	PUNCT
ejge-4656	215	12	,	,	PUNCT
ejge-4656	215	13	december	december	PROPN
ejge-4656	215	14	2019	2019	NUM
ejge-4656	215	15	,	,	PUNCT
ejge-4656	215	16	203	203	NUM
ejge-4656	215	17	-	-	SYM
ejge-4656	215	18	217	217	NUM
ejge-4656	215	19	213	213	NUM
ejge-4656	215	20	    	    	SPACE
ejge-4656	215	21	thirdly	thirdly	ADV
ejge-4656	215	22	,	,	PUNCT
ejge-4656	215	23	the	the	DET
ejge-4656	215	24	respondents	respondent	NOUN
ejge-4656	215	25	were	be	AUX
ejge-4656	215	26	asked	ask	VERB
ejge-4656	215	27	to	to	PART
ejge-4656	215	28	estimate	estimate	VERB
ejge-4656	215	29	the	the	DET
ejge-4656	215	30	impact	impact	NOUN
ejge-4656	215	31	of	of	ADP
ejge-4656	215	32	increased	increase	VERB
ejge-4656	215	33	capital	capital	NOUN
ejge-4656	215	34	requirements	requirement	NOUN
ejge-4656	215	35	on	on	ADP
ejge-4656	215	36	the	the	DET
ejge-4656	215	37	price	price	NOUN
ejge-4656	215	38	of	of	ADP
ejge-4656	215	39	credit	credit	NOUN
ejge-4656	215	40	in	in	ADP
ejge-4656	215	41	different	different	ADJ
ejge-4656	215	42	lending	lending	NOUN
ejge-4656	215	43	scenarios	scenario	NOUN
ejge-4656	215	44	.	.	PUNCT
ejge-4656	216	1	for	for	ADP
ejge-4656	216	2	instance	instance	NOUN
ejge-4656	216	3	,	,	PUNCT
ejge-4656	216	4	kisin	kisin	PROPN
ejge-4656	216	5	and	and	CCONJ
ejge-4656	216	6	manela	manela	PROPN
ejge-4656	216	7	(	(	PUNCT
ejge-4656	216	8	2016	2016	NUM
ejge-4656	216	9	)	)	PUNCT
ejge-4656	216	10	estimated	estimate	VERB
ejge-4656	216	11	a	a	DET
ejge-4656	216	12	0.3	0.3	NUM
ejge-4656	216	13	basis	basis	NOUN
ejge-4656	216	14	points	point	NOUN
ejge-4656	216	15	increase	increase	NOUN
ejge-4656	216	16	in	in	ADP
ejge-4656	216	17	lending	lending	NOUN
ejge-4656	216	18	rates	rate	NOUN
ejge-4656	216	19	subsequent	subsequent	ADJ
ejge-4656	216	20	to	to	ADP
ejge-4656	216	21	a	a	DET
ejge-4656	216	22	1	1	NUM
ejge-4656	216	23	percentage	percentage	NOUN
ejge-4656	216	24	point	point	NOUN
ejge-4656	216	25	increase	increase	NOUN
ejge-4656	216	26	in	in	ADP
ejge-4656	216	27	capital	capital	NOUN
ejge-4656	216	28	requirements	requirement	NOUN
ejge-4656	216	29	.	.	PUNCT
ejge-4656	217	1	king	king	NOUN
ejge-4656	217	2	(	(	PUNCT
ejge-4656	217	3	2010	2010	NUM
ejge-4656	217	4	)	)	PUNCT
ejge-4656	217	5	concluded	conclude	VERB
ejge-4656	217	6	a	a	DET
ejge-4656	217	7	1	1	NUM
ejge-4656	217	8	percentage	percentage	NOUN
ejge-4656	217	9	point	point	NOUN
ejge-4656	217	10	increase	increase	NOUN
ejge-4656	217	11	in	in	ADP
ejge-4656	217	12	capital	capital	NOUN
ejge-4656	217	13	requirements	requirement	NOUN
ejge-4656	217	14	and	and	CCONJ
ejge-4656	217	15	a	a	DET
ejge-4656	217	16	corresponding	correspond	VERB
ejge-4656	217	17	15	15	NUM
ejge-4656	217	18	basis	basis	NOUN
ejge-4656	217	19	points	point	NOUN
ejge-4656	217	20	increase	increase	VERB
ejge-4656	217	21	in	in	ADP
ejge-4656	217	22	lending	lending	NOUN
ejge-4656	217	23	rates	rate	NOUN
ejge-4656	217	24	.	.	PUNCT
ejge-4656	218	1	consistent	consistent	ADJ
ejge-4656	218	2	results	result	NOUN
ejge-4656	218	3	are	be	AUX
ejge-4656	218	4	found	find	VERB
ejge-4656	218	5	in	in	ADP
ejge-4656	218	6	corbae	corbae	NOUN
ejge-4656	218	7	and	and	CCONJ
ejge-4656	218	8	d'erasmo	d'erasmo	NOUN
ejge-4656	218	9	(	(	PUNCT
ejge-4656	218	10	2014	2014	NUM
ejge-4656	218	11	)	)	PUNCT
ejge-4656	218	12	,	,	PUNCT
ejge-4656	218	13	de	de	X
ejge-4656	218	14	resende	resende	X
ejge-4656	218	15	et	et	PROPN
ejge-4656	218	16	al	al	PROPN
ejge-4656	218	17	.	.	PROPN
ejge-4656	219	1	(	(	PUNCT
ejge-4656	219	2	2010	2010	NUM
ejge-4656	219	3	)	)	PUNCT
ejge-4656	219	4	and	and	CCONJ
ejge-4656	219	5	hanson	hanson	PROPN
ejge-4656	219	6	et	et	PROPN
ejge-4656	219	7	al	al	PROPN
ejge-4656	219	8	.	.	PROPN
ejge-4656	220	1	(	(	PUNCT
ejge-4656	220	2	2011	2011	NUM
ejge-4656	220	3	)	)	PUNCT
ejge-4656	220	4	,	,	PUNCT
ejge-4656	220	5	although	although	SCONJ
ejge-4656	220	6	the	the	DET
ejge-4656	220	7	latter	latter	ADJ
ejge-4656	220	8	ones	one	NOUN
ejge-4656	220	9	propose	propose	VERB
ejge-4656	220	10	the	the	DET
ejge-4656	220	11	effect	effect	NOUN
ejge-4656	220	12	to	to	PART
ejge-4656	220	13	be	be	AUX
ejge-4656	220	14	relatively	relatively	ADV
ejge-4656	220	15	small	small	ADJ
ejge-4656	220	16	.	.	PUNCT
ejge-4656	221	1	in	in	ADP
ejge-4656	221	2	a	a	DET
ejge-4656	221	3	similar	similar	ADJ
ejge-4656	221	4	vein	vein	NOUN
ejge-4656	221	5	,	,	PUNCT
ejge-4656	221	6	the	the	DET
ejge-4656	221	7	responses	response	NOUN
ejge-4656	221	8	shown	show	VERB
ejge-4656	221	9	in	in	ADP
ejge-4656	221	10	table	table	NOUN
ejge-4656	221	11	7	7	NUM
ejge-4656	221	12	are	be	AUX
ejge-4656	221	13	somewhat	somewhat	ADV
ejge-4656	221	14	indicative	indicative	ADJ
ejge-4656	221	15	of	of	ADP
ejge-4656	221	16	the	the	DET
ejge-4656	221	17	linkage	linkage	NOUN
ejge-4656	221	18	between	between	ADP
ejge-4656	221	19	capital	capital	NOUN
ejge-4656	221	20	requirements	requirement	NOUN
ejge-4656	221	21	and	and	CCONJ
ejge-4656	221	22	the	the	DET
ejge-4656	221	23	price	price	NOUN
ejge-4656	221	24	of	of	ADP
ejge-4656	221	25	borrowing	borrowing	NOUN
ejge-4656	221	26	,	,	PUNCT
ejge-4656	221	27	though	though	SCONJ
ejge-4656	221	28	in	in	ADP
ejge-4656	221	29	a	a	DET
ejge-4656	221	30	lesser	less	ADJ
ejge-4656	221	31	extent	extent	NOUN
ejge-4656	221	32	in	in	ADP
ejge-4656	221	33	the	the	DET
ejge-4656	221	34	case	case	NOUN
ejge-4656	221	35	of	of	ADP
ejge-4656	221	36	personal	personal	ADJ
ejge-4656	221	37	and	and	CCONJ
ejge-4656	221	38	household	household	NOUN
ejge-4656	221	39	loans	loan	NOUN
ejge-4656	221	40	.	.	PUNCT
ejge-4656	222	1	the	the	DET
ejge-4656	222	2	commencement	commencement	NOUN
ejge-4656	222	3	of	of	ADP
ejge-4656	222	4	the	the	DET
ejge-4656	222	5	crd	crd	PROPN
ejge-4656	222	6	iv	iv	NUM
ejge-4656	222	7	,	,	PUNCT
ejge-4656	222	8	as	as	ADV
ejge-4656	222	9	well	well	ADV
ejge-4656	222	10	as	as	ADP
ejge-4656	222	11	this	this	DET
ejge-4656	222	12	survey	survey	NOUN
ejge-4656	222	13	,	,	PUNCT
ejge-4656	222	14	coincided	coincide	VERB
ejge-4656	222	15	with	with	ADP
ejge-4656	222	16	somewhat	somewhat	ADV
ejge-4656	222	17	weak	weak	ADJ
ejge-4656	222	18	macroeconomic	macroeconomic	ADJ
ejge-4656	222	19	and	and	CCONJ
ejge-4656	222	20	financial	financial	ADJ
ejge-4656	222	21	market	market	NOUN
ejge-4656	222	22	conditions	condition	NOUN
ejge-4656	222	23	in	in	ADP
ejge-4656	222	24	finland	finland	PROPN
ejge-4656	222	25	and	and	CCONJ
ejge-4656	222	26	the	the	DET
ejge-4656	222	27	eu	eu	PROPN
ejge-4656	222	28	.	.	PROPN
ejge-4656	223	1	hence	hence	ADV
ejge-4656	223	2	,	,	PUNCT
ejge-4656	223	3	in	in	ADP
ejge-4656	223	4	a	a	DET
ejge-4656	223	5	further	further	ADJ
ejge-4656	223	6	attempt	attempt	NOUN
ejge-4656	223	7	to	to	PART
ejge-4656	223	8	isolate	isolate	VERB
ejge-4656	223	9	the	the	DET
ejge-4656	223	10	impact	impact	NOUN
ejge-4656	223	11	of	of	ADP
ejge-4656	223	12	different	different	ADJ
ejge-4656	223	13	factors	factor	NOUN
ejge-4656	223	14	on	on	ADP
ejge-4656	223	15	banks	bank	NOUN
ejge-4656	223	16	’	'	PUNCT
ejge-4656	223	17	business	business	NOUN
ejge-4656	223	18	environment	environment	NOUN
ejge-4656	223	19	,	,	PUNCT
ejge-4656	223	20	the	the	DET
ejge-4656	223	21	respondents	respondent	NOUN
ejge-4656	223	22	were	be	AUX
ejge-4656	223	23	asked	ask	VERB
ejge-4656	223	24	to	to	PART
ejge-4656	223	25	assess	assess	VERB
ejge-4656	223	26	several	several	ADJ
ejge-4656	223	27	influences	influence	NOUN
ejge-4656	223	28	from	from	ADP
ejge-4656	223	29	the	the	DET
ejge-4656	223	30	perspective	perspective	NOUN
ejge-4656	223	31	of	of	ADP
ejge-4656	223	32	their	their	PRON
ejge-4656	223	33	profitability	profitability	NOUN
ejge-4656	223	34	.	.	PUNCT
ejge-4656	224	1	as	as	SCONJ
ejge-4656	224	2	reflected	reflect	VERB
ejge-4656	224	3	by	by	ADP
ejge-4656	224	4	table	table	NOUN
ejge-4656	224	5	8	8	NUM
ejge-4656	224	6	,	,	PUNCT
ejge-4656	224	7	the	the	DET
ejge-4656	224	8	respondents	respondent	NOUN
ejge-4656	224	9	were	be	AUX
ejge-4656	224	10	particularly	particularly	ADV
ejge-4656	224	11	consistent	consistent	ADJ
ejge-4656	224	12	regarding	regard	VERB
ejge-4656	224	13	the	the	DET
ejge-4656	224	14	negative	negative	ADJ
ejge-4656	224	15	impact	impact	NOUN
ejge-4656	224	16	of	of	ADP
ejge-4656	224	17	the	the	DET
ejge-4656	224	18	low	low	ADJ
ejge-4656	224	19	interest	interest	NOUN
ejge-4656	224	20	rate	rate	NOUN
ejge-4656	224	21	environment	environment	NOUN
ejge-4656	224	22	.	.	PUNCT
ejge-4656	225	1	interestingly	interestingly	ADV
ejge-4656	225	2	,	,	PUNCT
ejge-4656	225	3	in	in	ADP
ejge-4656	225	4	the	the	DET
ejge-4656	225	5	case	case	NOUN
ejge-4656	225	6	of	of	ADP
ejge-4656	225	7	loan	loan	NOUN
ejge-4656	225	8	supply	supply	NOUN
ejge-4656	225	9	,	,	PUNCT
ejge-4656	225	10	the	the	DET
ejge-4656	225	11	earlier	early	ADJ
ejge-4656	225	12	econometric	econometric	ADJ
ejge-4656	225	13	findings	finding	NOUN
ejge-4656	225	14	suggested	suggest	VERB
ejge-4656	225	15	that	that	SCONJ
ejge-4656	225	16	the	the	DET
ejge-4656	225	17	effect	effect	NOUN
ejge-4656	225	18	of	of	ADP
ejge-4656	225	19	the	the	DET
ejge-4656	225	20	three	three	NUM
ejge-4656	225	21	-	-	PUNCT
ejge-4656	225	22	month	month	NOUN
ejge-4656	225	23	euribor	euribor	PROPN
ejge-4656	225	24	rate	rate	NOUN
ejge-4656	225	25	was	be	AUX
ejge-4656	225	26	somewhat	somewhat	ADV
ejge-4656	225	27	nonexistent	nonexistent	ADJ
ejge-4656	225	28	.	.	PUNCT
ejge-4656	226	1	table	table	NOUN
ejge-4656	226	2	7	7	NUM
ejge-4656	226	3	.	.	PUNCT
ejge-4656	227	1	the	the	DET
ejge-4656	227	2	impact	impact	NOUN
ejge-4656	227	3	of	of	ADP
ejge-4656	227	4	renewed	renew	VERB
ejge-4656	227	5	regulation	regulation	NOUN
ejge-4656	227	6	on	on	ADP
ejge-4656	227	7	the	the	DET
ejge-4656	227	8	price	price	NOUN
ejge-4656	227	9	of	of	ADP
ejge-4656	227	10	credit	credit	NOUN
ejge-4656	227	11	in	in	ADP
ejge-4656	227	12	different	different	ADJ
ejge-4656	227	13	lending	lending	NOUN
ejge-4656	227	14	scenarios	scenario	NOUN
ejge-4656	227	15	.	.	PUNCT
ejge-4656	228	1	loans	loan	NOUN
ejge-4656	228	2	to	to	ADP
ejge-4656	228	3	smes	sme	NOUN
ejge-4656	228	4	loans	loan	NOUN
ejge-4656	228	5	to	to	ADP
ejge-4656	228	6	large	large	ADJ
ejge-4656	228	7	enterprises	enterprise	NOUN
ejge-4656	228	8	loans	loan	NOUN
ejge-4656	228	9	to	to	ADP
ejge-4656	228	10	households	household	NOUN
ejge-4656	228	11	/	/	SYM
ejge-4656	228	12	personal	personal	ADJ
ejge-4656	228	13	loans	loan	NOUN
ejge-4656	228	14	short	short	ADJ
ejge-4656	228	15	-	-	PUNCT
ejge-4656	228	16	term	term	NOUN
ejge-4656	228	17	loans	loan	NOUN
ejge-4656	228	18	long	long	ADJ
ejge-4656	228	19	-	-	PUNCT
ejge-4656	228	20	term	term	NOUN
ejge-4656	228	21	loans	loan	NOUN
ejge-4656	228	22	n	n	CCONJ
ejge-4656	228	23	valid	valid	ADJ
ejge-4656	228	24	6	6	NUM
ejge-4656	228	25	6	6	NUM
ejge-4656	228	26	7	7	NUM
ejge-4656	228	27	6	6	NUM
ejge-4656	228	28	6	6	NUM
ejge-4656	228	29	missing	miss	VERB
ejge-4656	228	30	1	1	NUM
ejge-4656	228	31	1	1	NUM
ejge-4656	228	32	0	0	NUM
ejge-4656	228	33	1	1	NUM
ejge-4656	228	34	1	1	NUM
ejge-4656	228	35	median	median	NOUN
ejge-4656	228	36	4	4	NUM
ejge-4656	228	37	4	4	NUM
ejge-4656	228	38	4	4	NUM
ejge-4656	228	39	4	4	NUM
ejge-4656	228	40	4	4	NUM
ejge-4656	228	41	mode	mode	NOUN
ejge-4656	228	42	4	4	NUM
ejge-4656	228	43	4	4	NUM
ejge-4656	228	44	4	4	NUM
ejge-4656	228	45	4	4	NUM
ejge-4656	228	46	4	4	NUM
ejge-4656	228	47	range	range	NOUN
ejge-4656	228	48	2	2	NUM
ejge-4656	228	49	2	2	NUM
ejge-4656	228	50	3	3	NUM
ejge-4656	228	51	2	2	NUM
ejge-4656	228	52	2	2	NUM
ejge-4656	228	53	minimum	minimum	NOUN
ejge-4656	228	54	3	3	NUM
ejge-4656	228	55	3	3	NUM
ejge-4656	228	56	2	2	NUM
ejge-4656	228	57	3	3	NUM
ejge-4656	228	58	3	3	NUM
ejge-4656	228	59	maximum	maximum	NOUN
ejge-4656	228	60	5	5	NUM
ejge-4656	228	61	5	5	NUM
ejge-4656	228	62	5	5	NUM
ejge-4656	228	63	5	5	NUM
ejge-4656	228	64	5	5	NUM
ejge-4656	228	65	note	note	NOUN
ejge-4656	228	66	.	.	PUNCT
ejge-4656	229	1	respondents	respondent	NOUN
ejge-4656	229	2	were	be	AUX
ejge-4656	229	3	presented	present	VERB
ejge-4656	229	4	with	with	ADP
ejge-4656	229	5	a	a	DET
ejge-4656	229	6	claim	claim	NOUN
ejge-4656	229	7	according	accord	VERB
ejge-4656	229	8	to	to	ADP
ejge-4656	229	9	which	which	PRON
ejge-4656	229	10	“	"	PUNCT
ejge-4656	229	11	capital	capital	NOUN
ejge-4656	229	12	requirements	requirement	NOUN
ejge-4656	229	13	have	have	AUX
ejge-4656	229	14	increased	increase	VERB
ejge-4656	229	15	the	the	DET
ejge-4656	229	16	cost	cost	NOUN
ejge-4656	229	17	of	of	ADP
ejge-4656	229	18	borrowing	borrowing	NOUN
ejge-4656	229	19	in	in	ADP
ejge-4656	229	20	the	the	DET
ejge-4656	229	21	following	follow	VERB
ejge-4656	229	22	cases	case	NOUN
ejge-4656	229	23	”	"	PUNCT
ejge-4656	229	24	.	.	PUNCT
ejge-4656	230	1	1	1	NUM
ejge-4656	230	2	=	=	PUNCT
ejge-4656	230	3	“	"	PUNCT
ejge-4656	230	4	strongly	strongly	ADV
ejge-4656	230	5	disagree	disagree	VERB
ejge-4656	230	6	”	"	PUNCT
ejge-4656	230	7	,	,	PUNCT
ejge-4656	230	8	2	2	NUM
ejge-4656	230	9	=	=	PUNCT
ejge-4656	230	10	“	"	PUNCT
ejge-4656	230	11	disagree	disagree	VERB
ejge-4656	230	12	”	"	PUNCT
ejge-4656	230	13	,	,	PUNCT
ejge-4656	230	14	3	3	NUM
ejge-4656	230	15	=	=	NUM
ejge-4656	230	16	“	"	PUNCT
ejge-4656	230	17	neutral	neutral	ADJ
ejge-4656	230	18	”	"	PUNCT
ejge-4656	230	19	,	,	PUNCT
ejge-4656	230	20	4	4	NUM
ejge-4656	230	21	=	=	NUM
ejge-4656	230	22	“	"	PUNCT
ejge-4656	230	23	agree	agree	VERB
ejge-4656	230	24	”	"	PUNCT
ejge-4656	230	25	,	,	PUNCT
ejge-4656	230	26	5	5	NUM
ejge-4656	230	27	=	=	PUNCT
ejge-4656	230	28	“	"	PUNCT
ejge-4656	230	29	strongly	strongly	ADV
ejge-4656	230	30	agree	agree	VERB
ejge-4656	230	31	”	"	PUNCT
ejge-4656	230	32	.	.	PUNCT
ejge-4656	231	1	table	table	NOUN
ejge-4656	231	2	8	8	NUM
ejge-4656	231	3	.	.	PUNCT
ejge-4656	232	1	the	the	DET
ejge-4656	232	2	assessment	assessment	NOUN
ejge-4656	232	3	of	of	ADP
ejge-4656	232	4	different	different	ADJ
ejge-4656	232	5	factors	factor	NOUN
ejge-4656	232	6	affecting	affect	VERB
ejge-4656	232	7	banks	bank	NOUN
ejge-4656	232	8	’	'	PUNCT
ejge-4656	232	9	business	business	NOUN
ejge-4656	232	10	environment	environment	NOUN
ejge-4656	232	11	.	.	PUNCT
ejge-4656	233	1	economic	economic	ADJ
ejge-4656	233	2	development	development	NOUN
ejge-4656	233	3	of	of	ADP
ejge-4656	233	4	households	household	NOUN
ejge-4656	233	5	economic	economic	ADJ
ejge-4656	233	6	development	development	NOUN
ejge-4656	233	7	of	of	ADP
ejge-4656	233	8	firms	firm	NOUN
ejge-4656	233	9	economic	economic	ADJ
ejge-4656	233	10	development	development	NOUN
ejge-4656	233	11	of	of	ADP
ejge-4656	233	12	public	public	ADJ
ejge-4656	233	13	sector	sector	NOUN
ejge-4656	233	14	developed	develop	VERB
ejge-4656	233	15	or	or	CCONJ
ejge-4656	233	16	acquired	acquire	VERB
ejge-4656	233	17	product	product	NOUN
ejge-4656	233	18	,	,	PUNCT
ejge-4656	233	19	technology	technology	NOUN
ejge-4656	233	20	or	or	CCONJ
ejge-4656	233	21	servicerelated	servicerelate	VERB
ejge-4656	233	22	innovations	innovation	NOUN
ejge-4656	233	23	changing	change	VERB
ejge-4656	233	24	regulatory	regulatory	ADJ
ejge-4656	233	25	environment	environment	NOUN
ejge-4656	233	26	change	change	NOUN
ejge-4656	233	27	in	in	ADP
ejge-4656	233	28	competitors	competitor	NOUN
ejge-4656	233	29	'	'	PART
ejge-4656	233	30	market	market	NOUN
ejge-4656	233	31	share	share	NOUN
ejge-4656	233	32	changes	change	NOUN
ejge-4656	233	33	in	in	ADP
ejge-4656	233	34	most	most	ADV
ejge-4656	233	35	important	important	ADJ
ejge-4656	233	36	reference	reference	NOUN
ejge-4656	233	37	rates	rate	NOUN
ejge-4656	233	38	n	n	CCONJ
ejge-4656	233	39	valid	valid	VERB
ejge-4656	233	40	6	6	NUM
ejge-4656	233	41	6	6	NUM
ejge-4656	233	42	6	6	NUM
ejge-4656	233	43	6	6	NUM
ejge-4656	233	44	6	6	NUM
ejge-4656	233	45	6	6	NUM
ejge-4656	233	46	6	6	NUM
ejge-4656	233	47	missing	miss	VERB
ejge-4656	233	48	0	0	NUM
ejge-4656	233	49	0	0	NUM
ejge-4656	233	50	0	0	NUM
ejge-4656	233	51	0	0	NUM
ejge-4656	233	52	0	0	NUM
ejge-4656	233	53	0	0	NUM
ejge-4656	233	54	0	0	NUM
ejge-4656	233	55	median	median	NOUN
ejge-4656	233	56	4	4	NUM
ejge-4656	233	57	3,50	3,50	NUM
ejge-4656	233	58	3	3	NUM
ejge-4656	233	59	3,50	3,50	NUM
ejge-4656	233	60	2	2	NUM
ejge-4656	233	61	3	3	NUM
ejge-4656	233	62	2	2	NUM
ejge-4656	233	63	mode	mode	NOUN
ejge-4656	233	64	4	4	NUM
ejge-4656	233	65	2a	2a	NUM
ejge-4656	233	66	3	3	NUM
ejge-4656	233	67	3a	3a	NUM
ejge-4656	233	68	2	2	NUM
ejge-4656	233	69	3	3	NUM
ejge-4656	233	70	2	2	NUM
ejge-4656	233	71	range	range	NOUN
ejge-4656	233	72	3	3	NUM
ejge-4656	233	73	3	3	NUM
ejge-4656	233	74	2	2	NUM
ejge-4656	233	75	5	5	NUM
ejge-4656	233	76	2	2	NUM
ejge-4656	233	77	2	2	NUM
ejge-4656	233	78	1	1	NUM
ejge-4656	233	79	minimum	minimum	NOUN
ejge-4656	233	80	2	2	NUM
ejge-4656	233	81	2	2	NUM
ejge-4656	233	82	2	2	NUM
ejge-4656	233	83	0	0	NUM
ejge-4656	233	84	1	1	NUM
ejge-4656	233	85	2	2	NUM
ejge-4656	233	86	1	1	NUM
ejge-4656	233	87	maximum	maximum	NOUN
ejge-4656	233	88	5	5	NUM
ejge-4656	233	89	5	5	NUM
ejge-4656	233	90	4	4	NUM
ejge-4656	233	91	5	5	NUM
ejge-4656	233	92	3	3	NUM
ejge-4656	233	93	4	4	NUM
ejge-4656	233	94	2	2	NUM
ejge-4656	233	95	note	note	NOUN
ejge-4656	233	96	.	.	PUNCT
ejge-4656	234	1	a.	a.	NOUN
ejge-4656	234	2	multiple	multiple	PROPN
ejge-4656	234	3	modes	mode	NOUN
ejge-4656	234	4	exist	exist	VERB
ejge-4656	234	5	.	.	PUNCT
ejge-4656	235	1	the	the	DET
ejge-4656	235	2	smallest	small	ADJ
ejge-4656	235	3	value	value	NOUN
ejge-4656	235	4	is	be	AUX
ejge-4656	235	5	shown	show	VERB
ejge-4656	235	6	.	.	PUNCT
ejge-4656	236	1	respondents	respondent	NOUN
ejge-4656	236	2	were	be	AUX
ejge-4656	236	3	asked	ask	VERB
ejge-4656	236	4	to	to	PART
ejge-4656	236	5	assess	assess	VERB
ejge-4656	236	6	the	the	DET
ejge-4656	236	7	impact	impact	NOUN
ejge-4656	236	8	each	each	DET
ejge-4656	236	9	specified	specify	VERB
ejge-4656	236	10	factor	factor	NOUN
ejge-4656	236	11	has	have	AUX
ejge-4656	236	12	had	have	VERB
ejge-4656	236	13	on	on	ADP
ejge-4656	236	14	the	the	DET
ejge-4656	236	15	bank	bank	NOUN
ejge-4656	236	16	’s	’s	PART
ejge-4656	236	17	profitability	profitability	NOUN
ejge-4656	236	18	in	in	ADP
ejge-4656	236	19	the	the	DET
ejge-4656	236	20	current	current	ADJ
ejge-4656	236	21	decade	decade	NOUN
ejge-4656	236	22	.	.	PUNCT
ejge-4656	237	1	answers	answer	NOUN
ejge-4656	237	2	were	be	AUX
ejge-4656	237	3	coded	code	VERB
ejge-4656	237	4	as	as	ADP
ejge-4656	237	5	1	1	NUM
ejge-4656	237	6	=	=	NUM
ejge-4656	237	7	“	"	PUNCT
ejge-4656	237	8	highly	highly	ADV
ejge-4656	237	9	negatively	negatively	ADV
ejge-4656	237	10	”	"	PUNCT
ejge-4656	237	11	,	,	PUNCT
ejge-4656	237	12	2	2	NUM
ejge-4656	237	13	=	=	PUNCT
ejge-4656	237	14	“	"	PUNCT
ejge-4656	237	15	somewhat	somewhat	ADV
ejge-4656	237	16	negatively	negatively	ADV
ejge-4656	237	17	”	"	PUNCT
ejge-4656	237	18	,	,	PUNCT
ejge-4656	237	19	3	3	NUM
ejge-4656	237	20	=	=	NUM
ejge-4656	237	21	“	"	PUNCT
ejge-4656	237	22	neutral	neutral	ADJ
ejge-4656	237	23	”	"	PUNCT
ejge-4656	237	24	,	,	PUNCT
ejge-4656	237	25	4	4	NUM
ejge-4656	237	26	=	=	NOUN
ejge-4656	237	27	“	"	PUNCT
ejge-4656	237	28	somewhat	somewhat	ADV
ejge-4656	237	29	positively	positively	ADV
ejge-4656	237	30	”	"	PUNCT
ejge-4656	237	31	,	,	PUNCT
ejge-4656	237	32	5	5	NUM
ejge-4656	237	33	=	=	PUNCT
ejge-4656	237	34	“	"	PUNCT
ejge-4656	237	35	highly	highly	ADV
ejge-4656	237	36	positively	positively	ADV
ejge-4656	237	37	”	"	PUNCT
ejge-4656	237	38	.	.	PUNCT
ejge-4656	238	1	m.	m.	NOUN
ejge-4656	238	2	huhtilainen	huhtilainen	PROPN
ejge-4656	238	3	/	/	SYM
ejge-4656	238	4	european	european	PROPN
ejge-4656	238	5	journal	journal	PROPN
ejge-4656	238	6	of	of	ADP
ejge-4656	238	7	government	government	NOUN
ejge-4656	238	8	and	and	CCONJ
ejge-4656	238	9	economics	economic	NOUN
ejge-4656	238	10	8(2	8(2	NUM
ejge-4656	238	11	)	)	PUNCT
ejge-4656	238	12	,	,	PUNCT
ejge-4656	238	13	december	december	PROPN
ejge-4656	238	14	2019	2019	NUM
ejge-4656	238	15	,	,	PUNCT
ejge-4656	238	16	203	203	NUM
ejge-4656	238	17	-	-	SYM
ejge-4656	238	18	217	217	NUM
ejge-4656	238	19	214	214	NUM
ejge-4656	238	20	    	    	SPACE
ejge-4656	238	21	5	5	NUM
ejge-4656	238	22	.	.	PUNCT
ejge-4656	238	23	discussion	discussion	NOUN
ejge-4656	238	24	this	this	DET
ejge-4656	238	25	study	study	NOUN
ejge-4656	238	26	contributed	contribute	VERB
ejge-4656	238	27	to	to	ADP
ejge-4656	238	28	the	the	DET
ejge-4656	238	29	literature	literature	NOUN
ejge-4656	238	30	on	on	ADP
ejge-4656	238	31	bank	bank	NOUN
ejge-4656	238	32	capital	capital	NOUN
ejge-4656	238	33	requirements	requirement	NOUN
ejge-4656	238	34	in	in	ADP
ejge-4656	238	35	two	two	NUM
ejge-4656	238	36	ways	way	NOUN
ejge-4656	238	37	.	.	PUNCT
ejge-4656	239	1	after	after	ADP
ejge-4656	239	2	controlling	control	VERB
ejge-4656	239	3	for	for	ADP
ejge-4656	239	4	several	several	ADJ
ejge-4656	239	5	bank	bank	NOUN
ejge-4656	239	6	-	-	PUNCT
ejge-4656	239	7	specific	specific	ADJ
ejge-4656	239	8	and	and	CCONJ
ejge-4656	239	9	macroeconomic	macroeconomic	ADJ
ejge-4656	239	10	factors	factor	NOUN
ejge-4656	239	11	with	with	ADP
ejge-4656	239	12	panel	panel	NOUN
ejge-4656	239	13	data	datum	NOUN
ejge-4656	239	14	,	,	PUNCT
ejge-4656	239	15	the	the	DET
ejge-4656	239	16	key	key	ADJ
ejge-4656	239	17	result	result	NOUN
ejge-4656	239	18	indicated	indicate	VERB
ejge-4656	239	19	a	a	DET
ejge-4656	239	20	slightly	slightly	ADV
ejge-4656	239	21	negative	negative	ADJ
ejge-4656	239	22	relationship	relationship	NOUN
ejge-4656	239	23	between	between	ADP
ejge-4656	239	24	increased	increase	VERB
ejge-4656	239	25	capital	capital	NOUN
ejge-4656	239	26	requirements	requirement	NOUN
ejge-4656	239	27	(	(	PUNCT
ejge-4656	239	28	proxied	proxie	VERB
ejge-4656	239	29	by	by	ADP
ejge-4656	239	30	the	the	DET
ejge-4656	239	31	crd	crd	PROPN
ejge-4656	239	32	iv	iv	NUM
ejge-4656	239	33	regulation	regulation	NOUN
ejge-4656	239	34	dummy	dummy	ADJ
ejge-4656	239	35	variable	variable	NOUN
ejge-4656	239	36	)	)	PUNCT
ejge-4656	239	37	and	and	CCONJ
ejge-4656	239	38	the	the	DET
ejge-4656	239	39	finnish	finnish	ADJ
ejge-4656	239	40	unlisted	unlisted	ADJ
ejge-4656	239	41	savings	saving	NOUN
ejge-4656	239	42	and	and	CCONJ
ejge-4656	239	43	cooperative	cooperative	ADJ
ejge-4656	239	44	banks	bank	NOUN
ejge-4656	239	45	’	'	PUNCT
ejge-4656	239	46	credit	credit	NOUN
ejge-4656	239	47	supply	supply	NOUN
ejge-4656	239	48	.	.	PUNCT
ejge-4656	240	1	the	the	DET
ejge-4656	240	2	study	study	NOUN
ejge-4656	240	3	also	also	ADV
ejge-4656	240	4	captured	capture	VERB
ejge-4656	240	5	consistent	consistent	ADJ
ejge-4656	240	6	results	result	NOUN
ejge-4656	240	7	in	in	ADP
ejge-4656	240	8	regards	regard	NOUN
ejge-4656	240	9	to	to	ADP
ejge-4656	240	10	the	the	DET
ejge-4656	240	11	positive	positive	ADJ
ejge-4656	240	12	impact	impact	NOUN
ejge-4656	240	13	of	of	ADP
ejge-4656	240	14	both	both	DET
ejge-4656	240	15	gdp	gdp	NOUN
ejge-4656	240	16	growth	growth	NOUN
ejge-4656	240	17	and	and	CCONJ
ejge-4656	240	18	bank	bank	NOUN
ejge-4656	240	19	profitability	profitability	NOUN
ejge-4656	240	20	on	on	ADP
ejge-4656	240	21	credit	credit	NOUN
ejge-4656	240	22	supply	supply	NOUN
ejge-4656	240	23	as	as	ADV
ejge-4656	240	24	well	well	ADV
ejge-4656	240	25	as	as	ADP
ejge-4656	240	26	somewhat	somewhat	ADV
ejge-4656	240	27	consistent	consistent	ADJ
ejge-4656	240	28	results	result	NOUN
ejge-4656	240	29	in	in	ADP
ejge-4656	240	30	regards	regard	NOUN
ejge-4656	240	31	to	to	ADP
ejge-4656	240	32	the	the	DET
ejge-4656	240	33	negative	negative	ADJ
ejge-4656	240	34	relationship	relationship	NOUN
ejge-4656	240	35	between	between	ADP
ejge-4656	240	36	bank	bank	NOUN
ejge-4656	240	37	size	size	NOUN
ejge-4656	240	38	and	and	CCONJ
ejge-4656	240	39	loan	loan	NOUN
ejge-4656	240	40	growth	growth	NOUN
ejge-4656	240	41	.	.	PUNCT
ejge-4656	241	1	in	in	ADP
ejge-4656	241	2	addition	addition	NOUN
ejge-4656	241	3	,	,	PUNCT
ejge-4656	241	4	the	the	DET
ejge-4656	241	5	findings	finding	NOUN
ejge-4656	241	6	suggested	suggest	VERB
ejge-4656	241	7	that	that	SCONJ
ejge-4656	241	8	an	an	DET
ejge-4656	241	9	increase	increase	NOUN
ejge-4656	241	10	in	in	ADP
ejge-4656	241	11	off	off	ADP
ejge-4656	241	12	-	-	PUNCT
ejge-4656	241	13	balance	balance	NOUN
ejge-4656	241	14	sheet	sheet	NOUN
ejge-4656	241	15	items	item	NOUN
ejge-4656	241	16	corresponds	correspond	VERB
ejge-4656	241	17	to	to	ADP
ejge-4656	241	18	an	an	DET
ejge-4656	241	19	increase	increase	NOUN
ejge-4656	241	20	in	in	ADP
ejge-4656	241	21	credit	credit	NOUN
ejge-4656	241	22	supply	supply	NOUN
ejge-4656	241	23	.	.	PUNCT
ejge-4656	242	1	according	accord	VERB
ejge-4656	242	2	to	to	ADP
ejge-4656	242	3	one	one	NUM
ejge-4656	242	4	possible	possible	ADJ
ejge-4656	242	5	explanation	explanation	NOUN
ejge-4656	242	6	,	,	PUNCT
ejge-4656	242	7	the	the	DET
ejge-4656	242	8	customers	customer	NOUN
ejge-4656	242	9	draw	draw	VERB
ejge-4656	242	10	on	on	ADP
ejge-4656	242	11	their	their	PRON
ejge-4656	242	12	lines	line	NOUN
ejge-4656	242	13	of	of	ADP
ejge-4656	242	14	credit	credit	NOUN
ejge-4656	242	15	,	,	PUNCT
ejge-4656	242	16	which	which	PRON
ejge-4656	242	17	converts	convert	VERB
ejge-4656	242	18	the	the	DET
ejge-4656	242	19	previously	previously	ADV
ejge-4656	242	20	unused	unused	ADJ
ejge-4656	242	21	commitments	commitment	NOUN
ejge-4656	242	22	into	into	ADP
ejge-4656	242	23	on	on	ADP
ejge-4656	242	24	-	-	PUNCT
ejge-4656	242	25	balance	balance	NOUN
ejge-4656	242	26	sheet	sheet	NOUN
ejge-4656	242	27	loans	loan	NOUN
ejge-4656	242	28	in	in	ADP
ejge-4656	242	29	the	the	DET
ejge-4656	242	30	subsequent	subsequent	ADJ
ejge-4656	242	31	period	period	NOUN
ejge-4656	242	32	.	.	PUNCT
ejge-4656	243	1	secondly	secondly	ADV
ejge-4656	243	2	,	,	PUNCT
ejge-4656	243	3	this	this	DET
ejge-4656	243	4	study	study	NOUN
ejge-4656	243	5	conducted	conduct	VERB
ejge-4656	243	6	a	a	DET
ejge-4656	243	7	representative	representative	ADJ
ejge-4656	243	8	survey	survey	NOUN
ejge-4656	243	9	with	with	ADP
ejge-4656	243	10	personnel	personnel	NOUN
ejge-4656	243	11	of	of	ADP
ejge-4656	243	12	the	the	DET
ejge-4656	243	13	finnish	finnish	ADJ
ejge-4656	243	14	institutions	institution	NOUN
ejge-4656	243	15	.	.	PUNCT
ejge-4656	244	1	the	the	DET
ejge-4656	244	2	results	result	NOUN
ejge-4656	244	3	suggested	suggest	VERB
ejge-4656	244	4	that	that	SCONJ
ejge-4656	244	5	the	the	DET
ejge-4656	244	6	renewed	renew	VERB
ejge-4656	244	7	eu	eu	PROPN
ejge-4656	244	8	banking	banking	NOUN
ejge-4656	244	9	regulation	regulation	NOUN
ejge-4656	244	10	has	have	AUX
ejge-4656	244	11	had	have	VERB
ejge-4656	244	12	a	a	DET
ejge-4656	244	13	slight	slight	ADJ
ejge-4656	244	14	direct	direct	ADJ
ejge-4656	244	15	impact	impact	NOUN
ejge-4656	244	16	on	on	ADP
ejge-4656	244	17	banks	bank	NOUN
ejge-4656	244	18	’	'	PUNCT
ejge-4656	244	19	corporate	corporate	ADJ
ejge-4656	244	20	loan	loan	NOUN
ejge-4656	244	21	terms	term	NOUN
ejge-4656	244	22	(	(	PUNCT
ejge-4656	244	23	for	for	ADP
ejge-4656	244	24	both	both	CCONJ
ejge-4656	244	25	smes	sme	NOUN
ejge-4656	244	26	and	and	CCONJ
ejge-4656	244	27	large	large	ADJ
ejge-4656	244	28	enterprises	enterprise	NOUN
ejge-4656	244	29	)	)	PUNCT
ejge-4656	244	30	,	,	PUNCT
ejge-4656	244	31	which	which	PRON
ejge-4656	244	32	was	be	AUX
ejge-4656	244	33	used	use	VERB
ejge-4656	244	34	as	as	ADP
ejge-4656	244	35	a	a	DET
ejge-4656	244	36	proxy	proxy	NOUN
ejge-4656	244	37	for	for	ADP
ejge-4656	244	38	credit	credit	NOUN
ejge-4656	244	39	supply	supply	NOUN
ejge-4656	244	40	.	.	PUNCT
ejge-4656	245	1	further	far	ADV
ejge-4656	245	2	,	,	PUNCT
ejge-4656	245	3	the	the	DET
ejge-4656	245	4	respondents	respondent	NOUN
ejge-4656	245	5	were	be	AUX
ejge-4656	245	6	collectively	collectively	ADV
ejge-4656	245	7	neutral	neutral	ADJ
ejge-4656	245	8	to	to	ADP
ejge-4656	245	9	slightly	slightly	ADV
ejge-4656	245	10	at	at	ADP
ejge-4656	245	11	one	one	NUM
ejge-4656	245	12	with	with	ADP
ejge-4656	245	13	a	a	DET
ejge-4656	245	14	claim	claim	NOUN
ejge-4656	245	15	according	accord	VERB
ejge-4656	245	16	to	to	ADP
ejge-4656	245	17	which	which	PRON
ejge-4656	245	18	the	the	DET
ejge-4656	245	19	increased	increase	VERB
ejge-4656	245	20	capital	capital	NOUN
ejge-4656	245	21	requirements	requirement	NOUN
ejge-4656	245	22	have	have	AUX
ejge-4656	245	23	increased	increase	VERB
ejge-4656	245	24	the	the	DET
ejge-4656	245	25	price	price	NOUN
ejge-4656	245	26	of	of	ADP
ejge-4656	245	27	credit	credit	NOUN
ejge-4656	245	28	for	for	ADP
ejge-4656	245	29	smes	sme	NOUN
ejge-4656	245	30	and	and	CCONJ
ejge-4656	245	31	large	large	ADJ
ejge-4656	245	32	enterprises	enterprise	NOUN
ejge-4656	245	33	.	.	PUNCT
ejge-4656	246	1	however	however	ADV
ejge-4656	246	2	,	,	PUNCT
ejge-4656	246	3	direct	direct	ADJ
ejge-4656	246	4	conclusions	conclusion	NOUN
ejge-4656	246	5	are	be	AUX
ejge-4656	246	6	avoided	avoid	VERB
ejge-4656	246	7	in	in	ADP
ejge-4656	246	8	this	this	DET
ejge-4656	246	9	regards	regard	NOUN
ejge-4656	246	10	.	.	PUNCT
ejge-4656	247	1	the	the	DET
ejge-4656	247	2	survey	survey	NOUN
ejge-4656	247	3	,	,	PUNCT
ejge-4656	247	4	in	in	ADP
ejge-4656	247	5	particular	particular	ADJ
ejge-4656	247	6	,	,	PUNCT
ejge-4656	247	7	suffered	suffer	VERB
ejge-4656	247	8	from	from	ADP
ejge-4656	247	9	certain	certain	ADJ
ejge-4656	247	10	and	and	CCONJ
ejge-4656	247	11	in	in	ADP
ejge-4656	247	12	some	some	DET
ejge-4656	247	13	cases	case	NOUN
ejge-4656	247	14	,	,	PUNCT
ejge-4656	247	15	quite	quite	ADV
ejge-4656	247	16	severe	severe	ADJ
ejge-4656	247	17	limitations	limitation	NOUN
ejge-4656	247	18	.	.	PUNCT
ejge-4656	248	1	on	on	ADP
ejge-4656	248	2	the	the	DET
ejge-4656	248	3	other	other	ADJ
ejge-4656	248	4	hand	hand	NOUN
ejge-4656	248	5	,	,	PUNCT
ejge-4656	248	6	the	the	DET
ejge-4656	248	7	survey	survey	NOUN
ejge-4656	248	8	also	also	ADV
ejge-4656	248	9	revealed	reveal	VERB
ejge-4656	248	10	other	other	ADJ
ejge-4656	248	11	factors	factor	NOUN
ejge-4656	248	12	that	that	PRON
ejge-4656	248	13	have	have	AUX
ejge-4656	248	14	affected	affect	VERB
ejge-4656	248	15	the	the	DET
ejge-4656	248	16	banking	banking	NOUN
ejge-4656	248	17	business	business	NOUN
ejge-4656	248	18	as	as	ADP
ejge-4656	248	19	a	a	DET
ejge-4656	248	20	whole	whole	NOUN
ejge-4656	248	21	and	and	CCONJ
ejge-4656	248	22	lending	lending	NOUN
ejge-4656	248	23	in	in	ADP
ejge-4656	248	24	particular	particular	ADJ
ejge-4656	248	25	.	.	PUNCT
ejge-4656	249	1	clearly	clearly	ADV
ejge-4656	249	2	,	,	PUNCT
ejge-4656	249	3	neither	neither	CCONJ
ejge-4656	249	4	these	these	PRON
ejge-4656	249	5	nor	nor	CCONJ
ejge-4656	249	6	prior	prior	ADJ
ejge-4656	249	7	findings	finding	NOUN
ejge-4656	249	8	implicate	implicate	VERB
ejge-4656	249	9	a	a	DET
ejge-4656	249	10	regulatory	regulatory	ADJ
ejge-4656	249	11	failure	failure	NOUN
ejge-4656	249	12	.	.	PUNCT
ejge-4656	250	1	as	as	SCONJ
ejge-4656	250	2	noted	note	VERB
ejge-4656	250	3	earlier	early	ADV
ejge-4656	250	4	,	,	PUNCT
ejge-4656	250	5	the	the	DET
ejge-4656	250	6	direct	direct	ADJ
ejge-4656	250	7	objective	objective	NOUN
ejge-4656	250	8	of	of	ADP
ejge-4656	250	9	the	the	DET
ejge-4656	250	10	capital	capital	NOUN
ejge-4656	250	11	rules	rule	NOUN
ejge-4656	250	12	is	be	AUX
ejge-4656	250	13	not	not	PART
ejge-4656	250	14	to	to	PART
ejge-4656	250	15	influence	influence	VERB
ejge-4656	250	16	the	the	DET
ejge-4656	250	17	supply	supply	NOUN
ejge-4656	250	18	or	or	CCONJ
ejge-4656	250	19	the	the	DET
ejge-4656	250	20	price	price	NOUN
ejge-4656	250	21	of	of	ADP
ejge-4656	250	22	credit	credit	NOUN
ejge-4656	250	23	per	per	ADP
ejge-4656	250	24	se	se	X
ejge-4656	250	25	.	.	PUNCT
ejge-4656	251	1	rather	rather	ADV
ejge-4656	251	2	,	,	PUNCT
ejge-4656	251	3	the	the	DET
ejge-4656	251	4	current	current	ADJ
ejge-4656	251	5	regulatory	regulatory	ADJ
ejge-4656	251	6	ambition	ambition	NOUN
ejge-4656	251	7	is	be	AUX
ejge-4656	251	8	to	to	PART
ejge-4656	251	9	increase	increase	VERB
ejge-4656	251	10	systemic	systemic	ADJ
ejge-4656	251	11	stability	stability	NOUN
ejge-4656	251	12	and	and	CCONJ
ejge-4656	251	13	address	address	VERB
ejge-4656	251	14	those	those	DET
ejge-4656	251	15	shortcomings	shortcoming	NOUN
ejge-4656	251	16	that	that	PRON
ejge-4656	251	17	led	lead	VERB
ejge-4656	251	18	to	to	ADP
ejge-4656	251	19	the	the	DET
ejge-4656	251	20	2008	2008	NUM
ejge-4656	251	21	meltdown	meltdown	NOUN
ejge-4656	251	22	.	.	PUNCT
ejge-4656	252	1	nevertheless	nevertheless	ADV
ejge-4656	252	2	,	,	PUNCT
ejge-4656	252	3	the	the	DET
ejge-4656	252	4	regulation	regulation	NOUN
ejge-4656	252	5	still	still	ADV
ejge-4656	252	6	has	have	VERB
ejge-4656	252	7	an	an	DET
ejge-4656	252	8	important	important	ADJ
ejge-4656	252	9	role	role	NOUN
ejge-4656	252	10	in	in	ADP
ejge-4656	252	11	capital	capital	NOUN
ejge-4656	252	12	and	and	CCONJ
ejge-4656	252	13	risk	risk	NOUN
ejge-4656	252	14	decisions	decision	NOUN
ejge-4656	252	15	(	(	PUNCT
ejge-4656	252	16	tanda	tanda	PROPN
ejge-4656	252	17	,	,	PUNCT
ejge-4656	252	18	2015	2015	NUM
ejge-4656	252	19	)	)	PUNCT
ejge-4656	252	20	.	.	PUNCT
ejge-4656	253	1	since	since	SCONJ
ejge-4656	253	2	banks	bank	NOUN
ejge-4656	253	3	react	react	VERB
ejge-4656	253	4	to	to	ADP
ejge-4656	253	5	external	external	ADJ
ejge-4656	253	6	shocks	shock	NOUN
ejge-4656	253	7	by	by	ADP
ejge-4656	253	8	adjusting	adjust	VERB
ejge-4656	253	9	their	their	PRON
ejge-4656	253	10	business	business	NOUN
ejge-4656	253	11	models	model	NOUN
ejge-4656	253	12	,	,	PUNCT
ejge-4656	253	13	the	the	DET
ejge-4656	253	14	policy	policy	NOUN
ejge-4656	253	15	analysis	analysis	NOUN
ejge-4656	253	16	should	should	AUX
ejge-4656	253	17	always	always	ADV
ejge-4656	253	18	focus	focus	VERB
ejge-4656	253	19	on	on	ADP
ejge-4656	253	20	second	second	ADJ
ejge-4656	253	21	-	-	PUNCT
ejge-4656	253	22	order	order	NOUN
ejge-4656	253	23	(	(	PUNCT
ejge-4656	253	24	and	and	CCONJ
ejge-4656	253	25	potentially	potentially	ADV
ejge-4656	253	26	counterproductive	counterproductive	ADJ
ejge-4656	253	27	)	)	PUNCT
ejge-4656	253	28	effects	effect	NOUN
ejge-4656	253	29	.	.	PUNCT
ejge-4656	254	1	while	while	SCONJ
ejge-4656	254	2	some	some	DET
ejge-4656	254	3	evidence	evidence	NOUN
ejge-4656	254	4	suggests	suggest	VERB
ejge-4656	254	5	that	that	SCONJ
ejge-4656	254	6	higher	high	ADJ
ejge-4656	254	7	capital	capital	NOUN
ejge-4656	254	8	requirements	requirement	NOUN
ejge-4656	254	9	reduce	reduce	VERB
ejge-4656	254	10	excessive	excessive	ADJ
ejge-4656	254	11	risk	risk	NOUN
ejge-4656	254	12	-	-	PUNCT
ejge-4656	254	13	taking	taking	NOUN
ejge-4656	254	14	(	(	PUNCT
ejge-4656	254	15	repullo	repullo	NOUN
ejge-4656	254	16	,	,	PUNCT
ejge-4656	254	17	2004	2004	NUM
ejge-4656	254	18	)	)	PUNCT
ejge-4656	254	19	and	and	CCONJ
ejge-4656	254	20	that	that	SCONJ
ejge-4656	254	21	higher	high	ADJ
ejge-4656	254	22	capital	capital	NOUN
ejge-4656	254	23	requirements	requirement	NOUN
ejge-4656	254	24	correspond	correspond	VERB
ejge-4656	254	25	with	with	ADP
ejge-4656	254	26	a	a	DET
ejge-4656	254	27	more	more	ADV
ejge-4656	254	28	resilient	resilient	ADJ
ejge-4656	254	29	banking	banking	NOUN
ejge-4656	254	30	sector	sector	NOUN
ejge-4656	254	31	(	(	PUNCT
ejge-4656	254	32	basten	basten	NOUN
ejge-4656	254	33	and	and	CCONJ
ejge-4656	254	34	koch	koch	PROPN
ejge-4656	254	35	,	,	PUNCT
ejge-4656	254	36	2015	2015	NUM
ejge-4656	254	37	)	)	PUNCT
ejge-4656	254	38	,	,	PUNCT
ejge-4656	254	39	the	the	DET
ejge-4656	254	40	truly	truly	ADV
ejge-4656	254	41	relevant	relevant	ADJ
ejge-4656	254	42	question	question	NOUN
ejge-4656	254	43	is	be	AUX
ejge-4656	254	44	whether	whether	SCONJ
ejge-4656	254	45	regulation	regulation	NOUN
ejge-4656	254	46	generates	generate	VERB
ejge-4656	254	47	unintentional	unintentional	ADJ
ejge-4656	254	48	incentives	incentive	NOUN
ejge-4656	254	49	to	to	PART
ejge-4656	254	50	raise	raise	VERB
ejge-4656	254	51	overall	overall	ADJ
ejge-4656	254	52	risk	risk	NOUN
ejge-4656	254	53	exposure	exposure	NOUN
ejge-4656	254	54	(	(	PUNCT
ejge-4656	254	55	adrian	adrian	PROPN
ejge-4656	254	56	et	et	PROPN
ejge-4656	254	57	al	al	PROPN
ejge-4656	254	58	.	.	PROPN
ejge-4656	254	59	,	,	PUNCT
ejge-4656	254	60	2015	2015	NUM
ejge-4656	254	61	;	;	PUNCT
ejge-4656	254	62	adrian	adrian	PROPN
ejge-4656	254	63	and	and	CCONJ
ejge-4656	254	64	shin	shin	PROPN
ejge-4656	254	65	,	,	PUNCT
ejge-4656	254	66	2014	2014	NUM
ejge-4656	254	67	;	;	PUNCT
ejge-4656	254	68	blum	blum	NOUN
ejge-4656	254	69	,	,	PUNCT
ejge-4656	254	70	1999	1999	NUM
ejge-4656	254	71	)	)	PUNCT
ejge-4656	254	72	,	,	PUNCT
ejge-4656	254	73	or	or	CCONJ
ejge-4656	254	74	incentives	incentive	VERB
ejge-4656	254	75	to	to	PART
ejge-4656	254	76	shift	shift	VERB
ejge-4656	254	77	towards	towards	ADP
ejge-4656	254	78	shadow	shadow	NOUN
ejge-4656	254	79	banking	banking	NOUN
ejge-4656	254	80	or	or	CCONJ
ejge-4656	254	81	off	off	ADP
ejge-4656	254	82	-	-	PUNCT
ejge-4656	254	83	balance	balance	NOUN
ejge-4656	254	84	sheet	sheet	NOUN
ejge-4656	254	85	activities	activity	NOUN
ejge-4656	254	86	(	(	PUNCT
ejge-4656	254	87	goodhart	goodhart	NOUN
ejge-4656	254	88	,	,	PUNCT
ejge-4656	254	89	2008	2008	NUM
ejge-4656	254	90	;	;	PUNCT
ejge-4656	254	91	martin	martin	PROPN
ejge-4656	254	92	and	and	CCONJ
ejge-4656	254	93	parigi	parigi	PROPN
ejge-4656	254	94	,	,	PUNCT
ejge-4656	254	95	2013	2013	NUM
ejge-4656	254	96	;	;	PUNCT
ejge-4656	254	97	plantin	plantin	PROPN
ejge-4656	254	98	,	,	PUNCT
ejge-4656	254	99	2015	2015	NUM
ejge-4656	254	100	)	)	PUNCT
ejge-4656	254	101	or	or	CCONJ
ejge-4656	254	102	incentives	incentive	VERB
ejge-4656	254	103	to	to	PART
ejge-4656	254	104	engage	engage	VERB
ejge-4656	254	105	in	in	ADP
ejge-4656	254	106	regulatory	regulatory	ADJ
ejge-4656	254	107	arbitrage	arbitrage	NOUN
ejge-4656	254	108	,	,	PUNCT
ejge-4656	254	109	that	that	ADV
ejge-4656	254	110	is	is	ADV
ejge-4656	254	111	,	,	PUNCT
ejge-4656	254	112	exporting	export	VERB
ejge-4656	254	113	the	the	DET
ejge-4656	254	114	risk	risk	NOUN
ejge-4656	254	115	-	-	PUNCT
ejge-4656	254	116	taking	taking	NOUN
ejge-4656	254	117	to	to	ADP
ejge-4656	254	118	countries	country	NOUN
ejge-4656	254	119	where	where	SCONJ
ejge-4656	254	120	regulation	regulation	NOUN
ejge-4656	254	121	is	be	AUX
ejge-4656	254	122	less	less	ADV
ejge-4656	254	123	stringent	stringent	ADJ
ejge-4656	254	124	(	(	PUNCT
ejge-4656	254	125	ongena	ongena	PROPN
ejge-4656	254	126	et	et	PROPN
ejge-4656	254	127	al	al	PROPN
ejge-4656	254	128	.	.	PROPN
ejge-4656	254	129	,	,	PUNCT
ejge-4656	254	130	2013	2013	NUM
ejge-4656	254	131	)	)	PUNCT
ejge-4656	254	132	.	.	PUNCT
ejge-4656	255	1	m.	m.	NOUN
ejge-4656	255	2	huhtilainen	huhtilainen	PROPN
ejge-4656	255	3	/	/	SYM
ejge-4656	255	4	european	european	PROPN
ejge-4656	255	5	journal	journal	PROPN
ejge-4656	255	6	of	of	ADP
ejge-4656	255	7	government	government	NOUN
ejge-4656	255	8	and	and	CCONJ
ejge-4656	255	9	economics	economic	NOUN
ejge-4656	255	10	8(2	8(2	NUM
ejge-4656	255	11	)	)	PUNCT
ejge-4656	255	12	,	,	PUNCT
ejge-4656	255	13	december	december	PROPN
ejge-4656	255	14	2019	2019	NUM
ejge-4656	255	15	,	,	PUNCT
ejge-4656	255	16	203	203	NUM
ejge-4656	255	17	-	-	SYM
ejge-4656	255	18	217	217	NUM
ejge-4656	255	19	215	215	NUM
ejge-4656	255	20	    	    	SPACE
ejge-4656	255	21	references	reference	NOUN
ejge-4656	255	22	accornero	accornero	NOUN
ejge-4656	255	23	,	,	PUNCT
ejge-4656	255	24	m.	m.	NOUN
ejge-4656	255	25	,	,	PUNCT
ejge-4656	255	26	alessandri	alessandri	ADJ
ejge-4656	255	27	,	,	PUNCT
ejge-4656	255	28	p.	p.	NOUN
ejge-4656	255	29	,	,	PUNCT
ejge-4656	255	30	carpinelli	carpinelli	PROPN
ejge-4656	255	31	,	,	PUNCT
ejge-4656	255	32	l.	l.	PROPN
ejge-4656	255	33	,	,	PUNCT
ejge-4656	255	34	&	&	CCONJ
ejge-4656	255	35	sorrentino	sorrentino	PROPN
ejge-4656	255	36	,	,	PUNCT
ejge-4656	255	37	a.m.	a.m.	PROPN
ejge-4656	255	38	(	(	PUNCT
ejge-4656	255	39	2017	2017	NUM
ejge-4656	255	40	)	)	PUNCT
ejge-4656	255	41	.	.	PUNCT
ejge-4656	256	1	non	non	ADJ
ejge-4656	256	2	-	-	ADJ
ejge-4656	256	3	performing	performing	ADJ
ejge-4656	256	4	loans	loan	NOUN
ejge-4656	256	5	and	and	CCONJ
ejge-4656	256	6	the	the	DET
ejge-4656	256	7	supply	supply	NOUN
ejge-4656	256	8	of	of	ADP
ejge-4656	256	9	bank	bank	NOUN
ejge-4656	256	10	credit	credit	NOUN
ejge-4656	256	11	:	:	PUNCT
ejge-4656	256	12	evidence	evidence	NOUN
ejge-4656	256	13	from	from	ADP
ejge-4656	256	14	italy	italy	PROPN
ejge-4656	256	15	(	(	PUNCT
ejge-4656	256	16	banca	banca	PROPN
ejge-4656	256	17	d’italia	d’italia	PROPN
ejge-4656	256	18	occasional	occasional	ADJ
ejge-4656	256	19	papers	paper	NOUN
ejge-4656	256	20	no	no	INTJ
ejge-4656	256	21	.	.	NOUN
ejge-4656	256	22	374	374	NUM
ejge-4656	256	23	)	)	PUNCT
ejge-4656	256	24	.	.	PUNCT
ejge-4656	257	1	retrieved	retrieve	VERB
ejge-4656	257	2	from	from	ADP
ejge-4656	257	3	:	:	PUNCT
ejge-4656	257	4	https://www.bancaditalia.it/pubblicazioni/qef/20170374/index.html?com.dotmarketing.htmlpage.language=1	https://www.bancaditalia.it/pubblicazioni/qef/20170374/index.html?com.dotmarketing.htmlpage.language=1	PROPN
ejge-4656	257	5	.	.	PUNCT
ejge-4656	258	1	doi	doi	PROPN
ejge-4656	258	2	:	:	PUNCT
ejge-4656	258	3	https://doi.org/10.2139/ssrn.2954995	https://doi.org/10.2139/ssrn.2954995	PROPN
ejge-4656	258	4	adrian	adrian	PROPN
ejge-4656	258	5	,	,	PUNCT
ejge-4656	258	6	t.	t.	PROPN
ejge-4656	258	7	,	,	PUNCT
ejge-4656	258	8	friedman	friedman	PROPN
ejge-4656	258	9	,	,	PUNCT
ejge-4656	258	10	e.	e.	PROPN
ejge-4656	258	11	,	,	PUNCT
ejge-4656	258	12	&	&	CCONJ
ejge-4656	258	13	muir	muir	PROPN
ejge-4656	258	14	,	,	PUNCT
ejge-4656	258	15	t.	t.	PROPN
ejge-4656	258	16	(	(	PUNCT
ejge-4656	258	17	2015	2015	NUM
ejge-4656	258	18	)	)	PUNCT
ejge-4656	258	19	.	.	PUNCT
ejge-4656	259	1	the	the	DET
ejge-4656	259	2	cost	cost	NOUN
ejge-4656	259	3	of	of	ADP
ejge-4656	259	4	capital	capital	NOUN
ejge-4656	259	5	of	of	ADP
ejge-4656	259	6	the	the	DET
ejge-4656	259	7	financial	financial	ADJ
ejge-4656	259	8	sector	sector	NOUN
ejge-4656	259	9	.	.	PUNCT
ejge-4656	260	1	retrieved	retrieve	VERB
ejge-4656	260	2	from	from	ADP
ejge-4656	260	3	:	:	PUNCT
ejge-4656	260	4	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2706614	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2706614	PROPN
ejge-4656	260	5	.	.	PUNCT
ejge-4656	261	1	doi	doi	NOUN
ejge-4656	261	2	:	:	PUNCT
ejge-4656	261	3	https://doi.org/10.2139/ssrn.2706614	https://doi.org/10.2139/ssrn.2706614	PROPN
ejge-4656	261	4	adrian	adrian	PROPN
ejge-4656	261	5	,	,	PUNCT
ejge-4656	261	6	t.	t.	PROPN
ejge-4656	261	7	,	,	PUNCT
ejge-4656	261	8	&	&	CCONJ
ejge-4656	261	9	shin	shin	PROPN
ejge-4656	261	10	,	,	PUNCT
ejge-4656	261	11	h.s	h.s	PROPN
ejge-4656	261	12	.	.	PROPN
ejge-4656	261	13	(	(	PUNCT
ejge-4656	261	14	2014	2014	NUM
ejge-4656	261	15	)	)	PUNCT
ejge-4656	261	16	.	.	PUNCT
ejge-4656	262	1	procyclical	procyclical	ADJ
ejge-4656	262	2	leverage	leverage	NOUN
ejge-4656	262	3	and	and	CCONJ
ejge-4656	262	4	value	value	NOUN
ejge-4656	262	5	-	-	PUNCT
ejge-4656	262	6	at	at	ADP
ejge-4656	262	7	-	-	PUNCT
ejge-4656	262	8	risk	risk	NOUN
ejge-4656	262	9	.	.	PUNCT
ejge-4656	263	1	the	the	DET
ejge-4656	263	2	review	review	NOUN
ejge-4656	263	3	of	of	ADP
ejge-4656	263	4	financial	financial	ADJ
ejge-4656	263	5	studies	study	NOUN
ejge-4656	263	6	27(2	27(2	NUM
ejge-4656	263	7	)	)	PUNCT
ejge-4656	263	8	,	,	PUNCT
ejge-4656	263	9	373	373	NUM
ejge-4656	263	10	-	-	SYM
ejge-4656	263	11	403	403	NUM
ejge-4656	263	12	.	.	PUNCT
ejge-4656	264	1	doi	doi	NOUN
ejge-4656	264	2	:	:	PUNCT
ejge-4656	264	3	https://doi.org/10.1093/rfs/hht068	https://doi.org/10.1093/rfs/hht068	PROPN
ejge-4656	264	4	aiyar	aiyar	PROPN
ejge-4656	264	5	,	,	PUNCT
ejge-4656	264	6	s.	s.	PROPN
ejge-4656	264	7	,	,	PUNCT
ejge-4656	264	8	calomiris	calomiris	PROPN
ejge-4656	264	9	,	,	PUNCT
ejge-4656	264	10	c.w	c.w	PROPN
ejge-4656	264	11	.	.	PROPN
ejge-4656	264	12	,	,	PUNCT
ejge-4656	264	13	&	&	CCONJ
ejge-4656	264	14	wieladek	wieladek	PROPN
ejge-4656	264	15	,	,	PUNCT
ejge-4656	264	16	t.	t.	PROPN
ejge-4656	264	17	(	(	PUNCT
ejge-4656	264	18	2016	2016	NUM
ejge-4656	264	19	)	)	PUNCT
ejge-4656	264	20	.	.	PUNCT
ejge-4656	265	1	how	how	SCONJ
ejge-4656	265	2	does	do	AUX
ejge-4656	265	3	credit	credit	NOUN
ejge-4656	265	4	supply	supply	NOUN
ejge-4656	265	5	respond	respond	VERB
ejge-4656	265	6	to	to	ADP
ejge-4656	265	7	monetary	monetary	ADJ
ejge-4656	265	8	policy	policy	NOUN
ejge-4656	265	9	and	and	CCONJ
ejge-4656	265	10	bank	bank	NOUN
ejge-4656	265	11	minimum	minimum	ADJ
ejge-4656	265	12	capital	capital	NOUN
ejge-4656	265	13	requirements	requirement	NOUN
ejge-4656	265	14	?	?	PUNCT
ejge-4656	266	1	european	european	ADJ
ejge-4656	266	2	economic	economic	ADJ
ejge-4656	266	3	review	review	PROPN
ejge-4656	266	4	vol	vol	NOUN
ejge-4656	266	5	.	.	PROPN
ejge-4656	266	6	82	82	NUM
ejge-4656	266	7	,	,	PUNCT
ejge-4656	266	8	142165	142165	NUM
ejge-4656	266	9	.	.	PUNCT
ejge-4656	267	1	doi	doi	NOUN
ejge-4656	267	2	:	:	PUNCT
ejge-4656	267	3	https://doi.org/10.1016/j.euroecorev.2015.07.021	https://doi.org/10.1016/j.euroecorev.2015.07.021	NOUN
ejge-4656	267	4	aiyar	aiyar	PROPN
ejge-4656	267	5	,	,	PUNCT
ejge-4656	267	6	s.	s.	PROPN
ejge-4656	267	7	,	,	PUNCT
ejge-4656	267	8	calomiris	calomiris	PROPN
ejge-4656	267	9	,	,	PUNCT
ejge-4656	267	10	c.w	c.w	PROPN
ejge-4656	267	11	.	.	PROPN
ejge-4656	267	12	,	,	PUNCT
ejge-4656	267	13	&	&	CCONJ
ejge-4656	267	14	wieladek	wieladek	PROPN
ejge-4656	267	15	,	,	PUNCT
ejge-4656	267	16	t.	t.	PROPN
ejge-4656	267	17	(	(	PUNCT
ejge-4656	267	18	2014	2014	NUM
ejge-4656	267	19	)	)	PUNCT
ejge-4656	267	20	.	.	PUNCT
ejge-4656	268	1	does	do	AUX
ejge-4656	268	2	macro	macro	ADJ
ejge-4656	268	3	-	-	ADJ
ejge-4656	268	4	prudential	prudential	ADJ
ejge-4656	268	5	regulation	regulation	NOUN
ejge-4656	268	6	leak	leak	NOUN
ejge-4656	268	7	?	?	PUNCT
ejge-4656	269	1	evidence	evidence	NOUN
ejge-4656	269	2	from	from	ADP
ejge-4656	269	3	a	a	DET
ejge-4656	269	4	uk	uk	PROPN
ejge-4656	269	5	policy	policy	NOUN
ejge-4656	269	6	experiment	experiment	NOUN
ejge-4656	269	7	.	.	PUNCT
ejge-4656	270	1	journal	journal	NOUN
ejge-4656	270	2	of	of	ADP
ejge-4656	270	3	money	money	NOUN
ejge-4656	270	4	,	,	PUNCT
ejge-4656	270	5	credit	credit	NOUN
ejge-4656	270	6	and	and	CCONJ
ejge-4656	270	7	banking	banking	NOUN
ejge-4656	270	8	46(1	46(1	PROPN
ejge-4656	270	9	)	)	PUNCT
ejge-4656	270	10	,	,	PUNCT
ejge-4656	270	11	181214	181214	NUM
ejge-4656	270	12	.	.	PUNCT
ejge-4656	271	1	doi	doi	NOUN
ejge-4656	271	2	:	:	PUNCT
ejge-4656	271	3	https://doi.org/10.1111/jmcb.12086	https://doi.org/10.1111/jmcb.12086	PROPN
ejge-4656	271	4	aldasoro	aldasoro	PROPN
ejge-4656	271	5	,	,	PUNCT
ejge-4656	271	6	i.	i.	PROPN
ejge-4656	271	7	,	,	PUNCT
ejge-4656	271	8	delli	delli	PROPN
ejge-4656	271	9	gatti	gatti	PROPN
ejge-4656	271	10	,	,	PUNCT
ejge-4656	271	11	d.	d.	PROPN
ejge-4656	271	12	,	,	PUNCT
ejge-4656	271	13	&	&	CCONJ
ejge-4656	271	14	faia	faia	PROPN
ejge-4656	271	15	,	,	PUNCT
ejge-4656	271	16	e.	e.	PROPN
ejge-4656	271	17	(	(	PUNCT
ejge-4656	271	18	2017	2017	NUM
ejge-4656	271	19	)	)	PUNCT
ejge-4656	271	20	.	.	PUNCT
ejge-4656	272	1	bank	bank	NOUN
ejge-4656	272	2	networks	network	NOUN
ejge-4656	272	3	:	:	PUNCT
ejge-4656	272	4	contagion	contagion	NOUN
ejge-4656	272	5	,	,	PUNCT
ejge-4656	272	6	systemic	systemic	ADJ
ejge-4656	272	7	risk	risk	NOUN
ejge-4656	272	8	and	and	CCONJ
ejge-4656	272	9	prudential	prudential	ADJ
ejge-4656	272	10	policy	policy	NOUN
ejge-4656	272	11	.	.	PUNCT
ejge-4656	273	1	journal	journal	NOUN
ejge-4656	273	2	of	of	ADP
ejge-4656	273	3	economic	economic	ADJ
ejge-4656	273	4	behavior	behavior	NOUN
ejge-4656	273	5	&	&	CCONJ
ejge-4656	273	6	organization	organization	PROPN
ejge-4656	273	7	vol	vol	NOUN
ejge-4656	273	8	.	.	PROPN
ejge-4656	273	9	142	142	NUM
ejge-4656	273	10	,	,	PUNCT
ejge-4656	273	11	164	164	NUM
ejge-4656	273	12	-	-	SYM
ejge-4656	273	13	188	188	NUM
ejge-4656	273	14	.	.	PUNCT
ejge-4656	274	1	doi	doi	NOUN
ejge-4656	274	2	:	:	PUNCT
ejge-4656	274	3	https://doi.org/10.1016/j.jebo.2017.05.022	https://doi.org/10.1016/j.jebo.2017.05.022	PROPN
ejge-4656	274	4	basel	basel	PROPN
ejge-4656	274	5	committee	committee	PROPN
ejge-4656	274	6	on	on	ADP
ejge-4656	274	7	banking	banking	NOUN
ejge-4656	274	8	supervision	supervision	NOUN
ejge-4656	274	9	(	(	PUNCT
ejge-4656	274	10	2017	2017	NUM
ejge-4656	274	11	)	)	PUNCT
ejge-4656	274	12	.	.	PUNCT
ejge-4656	275	1	high	high	ADJ
ejge-4656	275	2	-	-	PUNCT
ejge-4656	275	3	level	level	NOUN
ejge-4656	275	4	summary	summary	NOUN
ejge-4656	275	5	of	of	ADP
ejge-4656	275	6	basel	basel	PROPN
ejge-4656	275	7	iii	iii	PROPN
ejge-4656	275	8	reforms	reform	NOUN
ejge-4656	275	9	.	.	PUNCT
ejge-4656	276	1	retrieved	retrieve	VERB
ejge-4656	276	2	from	from	ADP
ejge-4656	276	3	https://www.bis.org/bcbs/publ/d424_hlsummary.pdf	https://www.bis.org/bcbs/publ/d424_hlsummary.pdf	PROPN
ejge-4656	276	4	basel	basel	PROPN
ejge-4656	276	5	committee	committee	PROPN
ejge-4656	276	6	on	on	ADP
ejge-4656	276	7	banking	banking	NOUN
ejge-4656	276	8	supervision	supervision	NOUN
ejge-4656	276	9	(	(	PUNCT
ejge-4656	276	10	2014	2014	NUM
ejge-4656	276	11	)	)	PUNCT
ejge-4656	276	12	.	.	PUNCT
ejge-4656	277	1	basel	basel	PROPN
ejge-4656	277	2	iii	iii	PROPN
ejge-4656	277	3	leverage	leverage	NOUN
ejge-4656	277	4	ratio	ratio	NOUN
ejge-4656	277	5	framework	framework	NOUN
ejge-4656	277	6	and	and	CCONJ
ejge-4656	277	7	disclosure	disclosure	NOUN
ejge-4656	277	8	requirements	requirement	NOUN
ejge-4656	277	9	.	.	PUNCT
ejge-4656	278	1	retrieved	retrieve	VERB
ejge-4656	278	2	from	from	ADP
ejge-4656	278	3	https://www.bis.org/publ/bcbs270.pdf	https://www.bis.org/publ/bcbs270.pdf	PROPN
ejge-4656	278	4	basten	basten	PROPN
ejge-4656	278	5	,	,	PUNCT
ejge-4656	278	6	c.	c.	PROPN
ejge-4656	278	7	,	,	PUNCT
ejge-4656	278	8	&	&	CCONJ
ejge-4656	278	9	koch	koch	PROPN
ejge-4656	278	10	,	,	PUNCT
ejge-4656	278	11	c.	c.	PROPN
ejge-4656	278	12	(	(	PUNCT
ejge-4656	278	13	2015	2015	NUM
ejge-4656	278	14	)	)	PUNCT
ejge-4656	278	15	.	.	PUNCT
ejge-4656	279	1	higher	high	ADJ
ejge-4656	279	2	bank	bank	NOUN
ejge-4656	279	3	capital	capital	NOUN
ejge-4656	279	4	requirements	requirement	NOUN
ejge-4656	279	5	and	and	CCONJ
ejge-4656	279	6	mortgage	mortgage	NOUN
ejge-4656	279	7	pricing	pricing	NOUN
ejge-4656	279	8	:	:	PUNCT
ejge-4656	279	9	evidence	evidence	NOUN
ejge-4656	279	10	from	from	ADP
ejge-4656	279	11	the	the	DET
ejge-4656	279	12	countercyclical	countercyclical	ADJ
ejge-4656	279	13	capital	capital	NOUN
ejge-4656	279	14	buffer	buffer	NOUN
ejge-4656	279	15	(	(	PUNCT
ejge-4656	279	16	ccb	ccb	PROPN
ejge-4656	279	17	)	)	PUNCT
ejge-4656	279	18	.	.	PUNCT
ejge-4656	280	1	bis	bis	PROPN
ejge-4656	280	2	working	working	NOUN
ejge-4656	280	3	papers	paper	NOUN
ejge-4656	280	4	,	,	PUNCT
ejge-4656	280	5	511	511	NUM
ejge-4656	280	6	.	.	PUNCT
ejge-4656	280	7	retrieved	retrieve	VERB
ejge-4656	280	8	from	from	ADP
ejge-4656	280	9	:	:	PUNCT
ejge-4656	280	10	https://www.bis.org/publ/work511.htm	https://www.bis.org/publ/work511.htm	PROPN
ejge-4656	280	11	.	.	PUNCT
ejge-4656	281	1	doi	doi	PROPN
ejge-4656	281	2	:	:	PUNCT
ejge-4656	281	3	https://doi.org/10.2139/ssrn.2473622	https://doi.org/10.2139/ssrn.2473622	ADJ
ejge-4656	281	4	berrospide	berrospide	NOUN
ejge-4656	281	5	,	,	PUNCT
ejge-4656	281	6	j.m	j.m	PROPN
ejge-4656	281	7	.	.	PROPN
ejge-4656	281	8	(	(	PUNCT
ejge-4656	281	9	2013	2013	NUM
ejge-4656	281	10	)	)	PUNCT
ejge-4656	281	11	.	.	PUNCT
ejge-4656	282	1	bank	bank	NOUN
ejge-4656	282	2	liquidity	liquidity	NOUN
ejge-4656	282	3	hoarding	hoarding	NOUN
ejge-4656	282	4	and	and	CCONJ
ejge-4656	282	5	the	the	DET
ejge-4656	282	6	financial	financial	ADJ
ejge-4656	282	7	crisis	crisis	NOUN
ejge-4656	282	8	:	:	PUNCT
ejge-4656	282	9	an	an	DET
ejge-4656	282	10	empirical	empirical	ADJ
ejge-4656	282	11	evaluation	evaluation	NOUN
ejge-4656	282	12	.	.	PUNCT
ejge-4656	283	1	feds	feds	PROPN
ejge-4656	283	2	working	working	NOUN
ejge-4656	283	3	papers	paper	NOUN
ejge-4656	283	4	,	,	PUNCT
ejge-4656	283	5	2013	2013	NUM
ejge-4656	283	6	-	-	SYM
ejge-4656	283	7	03	03	NUM
ejge-4656	283	8	.	.	PUNCT
ejge-4656	283	9	retrieved	retrieve	VERB
ejge-4656	283	10	from	from	ADP
ejge-4656	283	11	:	:	PUNCT
ejge-4656	283	12	https://www.federalreserve.gov/pubs/feds/2013/201303/201303abs.html	https://www.federalreserve.gov/pubs/feds/2013/201303/201303abs.html	PROPN
ejge-4656	283	13	.	.	PUNCT
ejge-4656	284	1	doi	doi	NOUN
ejge-4656	284	2	:	:	PUNCT
ejge-4656	284	3	https://doi.org/10.17016/feds.2013.03	https://doi.org/10.17016/feds.2013.03	ADJ
ejge-4656	284	4	berrospide	berrospide	NOUN
ejge-4656	284	5	,	,	PUNCT
ejge-4656	284	6	j.m	j.m	PROPN
ejge-4656	284	7	.	.	PROPN
ejge-4656	284	8	,	,	PUNCT
ejge-4656	284	9	&	&	CCONJ
ejge-4656	284	10	edge	edge	PROPN
ejge-4656	284	11	,	,	PUNCT
ejge-4656	284	12	r.m	r.m	PROPN
ejge-4656	284	13	.	.	PROPN
ejge-4656	284	14	(	(	PUNCT
ejge-4656	284	15	2010	2010	NUM
ejge-4656	284	16	)	)	PUNCT
ejge-4656	284	17	.	.	PUNCT
ejge-4656	285	1	the	the	DET
ejge-4656	285	2	effects	effect	NOUN
ejge-4656	285	3	of	of	ADP
ejge-4656	285	4	bank	bank	NOUN
ejge-4656	285	5	capital	capital	NOUN
ejge-4656	285	6	on	on	ADP
ejge-4656	285	7	lending	lending	NOUN
ejge-4656	285	8	:	:	PUNCT
ejge-4656	285	9	what	what	PRON
ejge-4656	285	10	do	do	AUX
ejge-4656	285	11	we	we	PRON
ejge-4656	285	12	know	know	VERB
ejge-4656	285	13	,	,	PUNCT
ejge-4656	285	14	and	and	CCONJ
ejge-4656	285	15	what	what	PRON
ejge-4656	285	16	does	do	AUX
ejge-4656	285	17	it	it	PRON
ejge-4656	285	18	mean	mean	VERB
ejge-4656	285	19	?	?	PUNCT
ejge-4656	286	1	international	international	ADJ
ejge-4656	286	2	journal	journal	NOUN
ejge-4656	286	3	of	of	ADP
ejge-4656	286	4	central	central	ADJ
ejge-4656	286	5	banking	banking	NOUN
ejge-4656	286	6	6(4	6(4	PROPN
ejge-4656	286	7	)	)	PUNCT
ejge-4656	286	8	,	,	PUNCT
ejge-4656	286	9	5	5	NUM
ejge-4656	286	10	-	-	SYM
ejge-4656	286	11	54	54	NUM
ejge-4656	286	12	.	.	PUNCT
ejge-4656	287	1	doi	doi	NOUN
ejge-4656	287	2	:	:	PUNCT
ejge-4656	287	3	https://doi.org/10.2139/ssrn.1670506	https://doi.org/10.2139/ssrn.1670506	NOUN
ejge-4656	287	4	blum	blum	PROPN
ejge-4656	287	5	,	,	PUNCT
ejge-4656	287	6	j.	j.	PROPN
ejge-4656	287	7	(	(	PUNCT
ejge-4656	287	8	1999	1999	NUM
ejge-4656	287	9	)	)	PUNCT
ejge-4656	287	10	.	.	PUNCT
ejge-4656	288	1	do	do	AUX
ejge-4656	288	2	capital	capital	NOUN
ejge-4656	288	3	adequacy	adequacy	NOUN
ejge-4656	288	4	requirements	requirement	NOUN
ejge-4656	288	5	reduce	reduce	VERB
ejge-4656	288	6	risks	risk	NOUN
ejge-4656	288	7	in	in	ADP
ejge-4656	288	8	banking	banking	NOUN
ejge-4656	288	9	?	?	PUNCT
ejge-4656	289	1	journal	journal	NOUN
ejge-4656	289	2	of	of	ADP
ejge-4656	289	3	banking	banking	NOUN
ejge-4656	289	4	&	&	CCONJ
ejge-4656	289	5	finance	finance	PROPN
ejge-4656	289	6	23(5	23(5	NOUN
ejge-4656	289	7	)	)	PUNCT
ejge-4656	289	8	,	,	PUNCT
ejge-4656	289	9	755	755	NUM
ejge-4656	289	10	-	-	SYM
ejge-4656	289	11	771	771	NUM
ejge-4656	289	12	.	.	PUNCT
ejge-4656	290	1	doi	doi	NOUN
ejge-4656	290	2	:	:	PUNCT
ejge-4656	290	3	https://doi.org/10.1016/s0378-4266(98)00113-7	https://doi.org/10.1016/s0378-4266(98)00113-7	ADJ
ejge-4656	290	4	bridges	bridge	NOUN
ejge-4656	290	5	,	,	PUNCT
ejge-4656	290	6	j.	j.	PROPN
ejge-4656	290	7	,	,	PUNCT
ejge-4656	290	8	gregory	gregory	PROPN
ejge-4656	290	9	,	,	PUNCT
ejge-4656	290	10	d.	d.	PROPN
ejge-4656	290	11	,	,	PUNCT
ejge-4656	290	12	nielsen	nielsen	PROPN
ejge-4656	290	13	,	,	PUNCT
ejge-4656	290	14	m.	m.	NOUN
ejge-4656	290	15	,	,	PUNCT
ejge-4656	290	16	pezzini	pezzini	PROPN
ejge-4656	290	17	,	,	PUNCT
ejge-4656	290	18	s.	s.	PROPN
ejge-4656	290	19	,	,	PUNCT
ejge-4656	290	20	radia	radia	PROPN
ejge-4656	290	21	,	,	PUNCT
ejge-4656	290	22	a.	a.	PROPN
ejge-4656	290	23	,	,	PUNCT
ejge-4656	290	24	&	&	CCONJ
ejge-4656	290	25	spaltro	spaltro	NOUN
ejge-4656	290	26	,	,	PUNCT
ejge-4656	290	27	m.	m.	NOUN
ejge-4656	290	28	(	(	PUNCT
ejge-4656	290	29	2014	2014	NUM
ejge-4656	290	30	)	)	PUNCT
ejge-4656	290	31	.	.	PUNCT
ejge-4656	291	1	the	the	DET
ejge-4656	291	2	impact	impact	NOUN
ejge-4656	291	3	of	of	ADP
ejge-4656	291	4	capital	capital	NOUN
ejge-4656	291	5	requirements	requirement	NOUN
ejge-4656	291	6	on	on	ADP
ejge-4656	291	7	bank	bank	NOUN
ejge-4656	291	8	lending	lending	NOUN
ejge-4656	291	9	.	.	PUNCT
ejge-4656	292	1	bank	bank	PROPN
ejge-4656	292	2	of	of	ADP
ejge-4656	292	3	england	england	PROPN
ejge-4656	292	4	working	working	PROPN
ejge-4656	292	5	paper	paper	NOUN
ejge-4656	292	6	,	,	PUNCT
ejge-4656	292	7	486	486	NUM
ejge-4656	292	8	.	.	PUNCT
ejge-4656	292	9	retrieved	retrieve	VERB
ejge-4656	292	10	from	from	ADP
ejge-4656	292	11	:	:	PUNCT
ejge-4656	292	12	https://www.bankofengland.co.uk/-/media/boe/files/working-paper/2014/the-impact-ofcapital-requirements-on-bank-lending	https://www.bankofengland.co.uk/-/media/boe/files/working-paper/2014/the-impact-ofcapital-requirements-on-bank-lende	VERB
ejge-4656	292	13	.	.	PUNCT
ejge-4656	293	1	doi	doi	PROPN
ejge-4656	293	2	:	:	PUNCT
ejge-4656	293	3	https://doi.org/10.2139/ssrn.2388773	https://doi.org/10.2139/ssrn.2388773	PROPN
ejge-4656	293	4	bustamante	bustamante	PROPN
ejge-4656	293	5	,	,	PUNCT
ejge-4656	293	6	j.	j.	PROPN
ejge-4656	293	7	,	,	PUNCT
ejge-4656	293	8	cuba	cuba	PROPN
ejge-4656	293	9	,	,	PUNCT
ejge-4656	293	10	w.	w.	PROPN
ejge-4656	293	11	,	,	PUNCT
ejge-4656	293	12	&	&	CCONJ
ejge-4656	293	13	nivin	nivin	PROPN
ejge-4656	293	14	,	,	PUNCT
ejge-4656	293	15	r.	r.	PROPN
ejge-4656	293	16	(	(	PUNCT
ejge-4656	293	17	2019	2019	NUM
ejge-4656	293	18	)	)	PUNCT
ejge-4656	293	19	.	.	PUNCT
ejge-4656	294	1	determinants	determinant	NOUN
ejge-4656	294	2	of	of	ADP
ejge-4656	294	3	credit	credit	NOUN
ejge-4656	294	4	growth	growth	NOUN
ejge-4656	294	5	and	and	CCONJ
ejge-4656	294	6	the	the	DET
ejge-4656	294	7	bank	bank	NOUN
ejge-4656	294	8	lending	lending	NOUN
ejge-4656	294	9	channel	channel	NOUN
ejge-4656	294	10	in	in	ADP
ejge-4656	294	11	peru	peru	PROPN
ejge-4656	294	12	:	:	PUNCT
ejge-4656	294	13	a	a	DET
ejge-4656	294	14	loan	loan	NOUN
ejge-4656	294	15	level	level	NOUN
ejge-4656	294	16	analysis	analysis	NOUN
ejge-4656	294	17	.	.	PUNCT
ejge-4656	295	1	bis	bis	PROPN
ejge-4656	295	2	working	working	PROPN
ejge-4656	295	3	paper	paper	NOUN
ejge-4656	295	4	,	,	PUNCT
ejge-4656	295	5	803	803	NUM
ejge-4656	295	6	.	.	PUNCT
ejge-4656	296	1	retrieved	retrieve	VERB
ejge-4656	296	2	from	from	ADP
ejge-4656	296	3	:	:	PUNCT
ejge-4656	296	4	https://www.bis.org/publ/work803.htm	https://www.bis.org/publ/work803.htm	PROPN
ejge-4656	296	5	.	.	PUNCT
ejge-4656	297	1	cambacorta	cambacorta	PROPN
ejge-4656	297	2	,	,	PUNCT
ejge-4656	297	3	l.	l.	PROPN
ejge-4656	297	4	(	(	PUNCT
ejge-4656	297	5	2005	2005	NUM
ejge-4656	297	6	)	)	PUNCT
ejge-4656	297	7	.	.	PUNCT
ejge-4656	298	1	inside	inside	ADP
ejge-4656	298	2	the	the	DET
ejge-4656	298	3	bank	bank	NOUN
ejge-4656	298	4	lending	lending	NOUN
ejge-4656	298	5	channel	channel	NOUN
ejge-4656	298	6	.	.	PUNCT
ejge-4656	299	1	european	european	PROPN
ejge-4656	299	2	economic	economic	PROPN
ejge-4656	299	3	review	review	PROPN
ejge-4656	299	4	,	,	PUNCT
ejge-4656	299	5	49	49	NUM
ejge-4656	299	6	(	(	PUNCT
ejge-4656	299	7	7	7	NUM
ejge-4656	299	8	)	)	PUNCT
ejge-4656	299	9	,	,	PUNCT
ejge-4656	299	10	1737	1737	NUM
ejge-4656	299	11	-	-	SYM
ejge-4656	299	12	1759	1759	NUM
ejge-4656	299	13	.	.	PUNCT
ejge-4656	300	1	doi	doi	NOUN
ejge-4656	300	2	:	:	PUNCT
ejge-4656	300	3	https://doi.org/10.1016/j.euroecorev.2004.05.004	https://doi.org/10.1016/j.euroecorev.2004.05.004	ADJ
ejge-4656	300	4	corbae	corbae	NOUN
ejge-4656	300	5	,	,	PUNCT
ejge-4656	300	6	p.d	p.d	PROPN
ejge-4656	300	7	.	.	PROPN
ejge-4656	300	8	,	,	PUNCT
ejge-4656	300	9	&	&	CCONJ
ejge-4656	300	10	d'erasmo	d'erasmo	PROPN
ejge-4656	300	11	,	,	PUNCT
ejge-4656	300	12	p.	p.	NOUN
ejge-4656	300	13	(	(	PUNCT
ejge-4656	300	14	2014	2014	NUM
ejge-4656	300	15	)	)	PUNCT
ejge-4656	300	16	.	.	PUNCT
ejge-4656	301	1	capital	capital	NOUN
ejge-4656	301	2	requirements	requirement	NOUN
ejge-4656	301	3	in	in	ADP
ejge-4656	301	4	a	a	DET
ejge-4656	301	5	quantitative	quantitative	ADJ
ejge-4656	301	6	model	model	NOUN
ejge-4656	301	7	of	of	ADP
ejge-4656	301	8	banking	banking	NOUN
ejge-4656	301	9	industry	industry	NOUN
ejge-4656	301	10	dynamics	dynamic	NOUN
ejge-4656	301	11	.	.	PUNCT
ejge-4656	302	1	frp	frp	PROPN
ejge-4656	302	2	of	of	ADP
ejge-4656	302	3	philadelphia	philadelphia	PROPN
ejge-4656	302	4	working	working	PROPN
ejge-4656	302	5	paper	paper	NOUN
ejge-4656	302	6	,	,	PUNCT
ejge-4656	302	7	14	14	NUM
ejge-4656	302	8	-	-	SYM
ejge-4656	302	9	13	13	NUM
ejge-4656	302	10	.	.	PUNCT
ejge-4656	302	11	retrieved	retrieve	VERB
ejge-4656	302	12	from	from	ADP
ejge-4656	302	13	:	:	PUNCT
ejge-4656	302	14	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2430778	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2430778	PROPN
ejge-4656	302	15	.	.	PUNCT
ejge-4656	303	1	doi	doi	PROPN
ejge-4656	303	2	:	:	PUNCT
ejge-4656	303	3	https://doi.org/10.21799/frbp.wp.2014.13	https://doi.org/10.21799/frbp.wp.2014.13	PROPN
ejge-4656	303	4	de	de	PROPN
ejge-4656	303	5	jonghey	jonghey	PROPN
ejge-4656	303	6	,	,	PUNCT
ejge-4656	303	7	o.	o.	PROPN
ejge-4656	303	8	,	,	PUNCT
ejge-4656	303	9	dewachter	dewachter	PROPN
ejge-4656	303	10	,	,	PUNCT
ejge-4656	303	11	h.	h.	PROPN
ejge-4656	303	12	,	,	PUNCT
ejge-4656	303	13	&	&	CCONJ
ejge-4656	303	14	ongenax	ongenax	PROPN
ejge-4656	303	15	,	,	PUNCT
ejge-4656	303	16	s.	s.	PROPN
ejge-4656	303	17	(	(	PUNCT
ejge-4656	303	18	2016	2016	NUM
ejge-4656	303	19	)	)	PUNCT
ejge-4656	303	20	.	.	PUNCT
ejge-4656	304	1	bank	bank	NOUN
ejge-4656	304	2	capital	capital	NOUN
ejge-4656	304	3	(	(	PUNCT
ejge-4656	304	4	requirements	requirement	NOUN
ejge-4656	304	5	)	)	PUNCT
ejge-4656	304	6	and	and	CCONJ
ejge-4656	304	7	credit	credit	NOUN
ejge-4656	304	8	supply	supply	NOUN
ejge-4656	304	9	:	:	PUNCT
ejge-4656	304	10	evidence	evidence	NOUN
ejge-4656	304	11	from	from	ADP
ejge-4656	304	12	pillar	pillar	NOUN
ejge-4656	304	13	2	2	NUM
ejge-4656	304	14	decisions	decision	NOUN
ejge-4656	304	15	.	.	PUNCT
ejge-4656	305	1	national	national	PROPN
ejge-4656	305	2	bank	bank	PROPN
ejge-4656	305	3	of	of	ADP
ejge-4656	305	4	belgium	belgium	PROPN
ejge-4656	305	5	working	working	PROPN
ejge-4656	305	6	paper	paper	PROPN
ejge-4656	305	7	research	research	NOUN
ejge-4656	305	8	,	,	PUNCT
ejge-4656	305	9	303	303	NUM
ejge-4656	305	10	.	.	PUNCT
ejge-4656	305	11	retrieved	retrieve	VERB
ejge-4656	305	12	from	from	ADP
ejge-4656	305	13	:	:	PUNCT
ejge-4656	305	14	https://econpapers.repec.org/paper/nbbreswpp/201610303.htm	https://econpapers.repec.org/paper/nbbreswpp/201610303.htm	PROPN
ejge-4656	305	15	de	de	X
ejge-4656	305	16	resende	resende	PROPN
ejge-4656	305	17	,	,	PUNCT
ejge-4656	305	18	c.	c.	PROPN
ejge-4656	305	19	,	,	PUNCT
ejge-4656	305	20	dib	dib	PROPN
ejge-4656	305	21	,	,	PUNCT
ejge-4656	305	22	a.	a.	NOUN
ejge-4656	305	23	,	,	PUNCT
ejge-4656	305	24	&	&	CCONJ
ejge-4656	305	25	perevalov	perevalov	PROPN
ejge-4656	305	26	,	,	PUNCT
ejge-4656	305	27	n.	n.	PROPN
ejge-4656	305	28	(	(	PUNCT
ejge-4656	305	29	2010	2010	NUM
ejge-4656	305	30	)	)	PUNCT
ejge-4656	305	31	.	.	PUNCT
ejge-4656	306	1	the	the	DET
ejge-4656	306	2	macroeconomic	macroeconomic	ADJ
ejge-4656	306	3	implications	implication	NOUN
ejge-4656	306	4	of	of	ADP
ejge-4656	306	5	changes	change	NOUN
ejge-4656	306	6	m.	m.	NOUN
ejge-4656	306	7	huhtilainen	huhtilainen	PROPN
ejge-4656	306	8	/	/	SYM
ejge-4656	306	9	european	european	PROPN
ejge-4656	306	10	journal	journal	PROPN
ejge-4656	306	11	of	of	ADP
ejge-4656	306	12	government	government	NOUN
ejge-4656	306	13	and	and	CCONJ
ejge-4656	306	14	economics	economic	NOUN
ejge-4656	306	15	8(2	8(2	NUM
ejge-4656	306	16	)	)	PUNCT
ejge-4656	306	17	,	,	PUNCT
ejge-4656	306	18	december	december	PROPN
ejge-4656	306	19	2019	2019	NUM
ejge-4656	306	20	,	,	PUNCT
ejge-4656	306	21	203	203	NUM
ejge-4656	306	22	-	-	SYM
ejge-4656	306	23	217	217	NUM
ejge-4656	306	24	216	216	NUM
ejge-4656	306	25	    	    	SPACE
ejge-4656	306	26	in	in	ADP
ejge-4656	306	27	bank	bank	NOUN
ejge-4656	306	28	capital	capital	NOUN
ejge-4656	306	29	and	and	CCONJ
ejge-4656	306	30	liquidity	liquidity	NOUN
ejge-4656	306	31	requirements	requirement	NOUN
ejge-4656	306	32	in	in	ADP
ejge-4656	306	33	canada	canada	PROPN
ejge-4656	306	34	:	:	PUNCT
ejge-4656	306	35	insights	insight	NOUN
ejge-4656	306	36	from	from	ADP
ejge-4656	306	37	the	the	DET
ejge-4656	306	38	boc	boc	NOUN
ejge-4656	306	39	-	-	PUNCT
ejge-4656	306	40	gem	gem	NOUN
ejge-4656	306	41	-	-	PUNCT
ejge-4656	306	42	fin	fin	NOUN
ejge-4656	306	43	.	.	PUNCT
ejge-4656	307	1	bank	bank	PROPN
ejge-4656	307	2	of	of	ADP
ejge-4656	307	3	canada	canada	PROPN
ejge-4656	307	4	discussion	discussion	PROPN
ejge-4656	307	5	paper	paper	NOUN
ejge-4656	307	6	,	,	PUNCT
ejge-4656	307	7	16	16	NUM
ejge-4656	307	8	.	.	PUNCT
ejge-4656	307	9	retrieved	retrieve	VERB
ejge-4656	307	10	from	from	ADP
ejge-4656	307	11	:	:	PUNCT
ejge-4656	307	12	https://www.bankofcanada.ca/wpcontent/uploads/2010/12/dp10-16.pdf	https://www.bankofcanada.ca/wpcontent/uploads/2010/12/dp10-16.pdf	NUM
ejge-4656	307	13	european	european	PROPN
ejge-4656	307	14	central	central	PROPN
ejge-4656	307	15	bank	bank	PROPN
ejge-4656	307	16	(	(	PUNCT
ejge-4656	307	17	2016	2016	NUM
ejge-4656	307	18	)	)	PUNCT
ejge-4656	307	19	.	.	PUNCT
ejge-4656	308	1	recent	recent	ADJ
ejge-4656	308	2	trends	trend	NOUN
ejge-4656	308	3	in	in	ADP
ejge-4656	308	4	euro	euro	PROPN
ejge-4656	308	5	area	area	NOUN
ejge-4656	308	6	banks	bank	NOUN
ejge-4656	308	7	’	'	PUNCT
ejge-4656	308	8	business	business	NOUN
ejge-4656	308	9	models	model	NOUN
ejge-4656	308	10	and	and	CCONJ
ejge-4656	308	11	implications	implication	NOUN
ejge-4656	308	12	for	for	ADP
ejge-4656	308	13	banking	banking	NOUN
ejge-4656	308	14	sector	sector	NOUN
ejge-4656	308	15	stability	stability	NOUN
ejge-4656	308	16	.	.	PUNCT
ejge-4656	309	1	retrieved	retrieve	VERB
ejge-4656	309	2	from	from	ADP
ejge-4656	309	3	:	:	PUNCT
ejge-4656	309	4	https://www.ecb.europa.eu/pub/pdf/other/sfcfinancialstabilityreview201605.en.pdf	https://www.ecb.europa.eu/pub/pdf/other/sfcfinancialstabilityreview201605.en.pdf	PROPN
ejge-4656	309	5	european	european	PROPN
ejge-4656	309	6	banking	banking	PROPN
ejge-4656	309	7	authority	authority	PROPN
ejge-4656	309	8	(	(	PUNCT
ejge-4656	309	9	2012	2012	NUM
ejge-4656	309	10	)	)	PUNCT
ejge-4656	309	11	.	.	PUNCT
ejge-4656	310	1	assessment	assessment	NOUN
ejge-4656	310	2	of	of	ADP
ejge-4656	310	3	sme	sme	NOUN
ejge-4656	310	4	proposals	proposal	NOUN
ejge-4656	310	5	for	for	ADP
ejge-4656	310	6	crd	crd	PROPN
ejge-4656	310	7	iv	iv	PROPN
ejge-4656	310	8	/	/	SYM
ejge-4656	310	9	crr	crr	PROPN
ejge-4656	310	10	.	.	PUNCT
ejge-4656	310	11	retrieved	retrieve	VERB
ejge-4656	310	12	from	from	ADP
ejge-4656	310	13	:	:	PUNCT
ejge-4656	310	14	https://www.eba.europa.eu/documents/10180/16148/eba-sme-report.pdf	https://www.eba.europa.eu/documents/10180/16148/eba-sme-report.pdf	PROPN
ejge-4656	310	15	european	european	PROPN
ejge-4656	310	16	commission	commission	PROPN
ejge-4656	310	17	(	(	PUNCT
ejge-4656	310	18	2016	2016	NUM
ejge-4656	310	19	)	)	PUNCT
ejge-4656	310	20	.	.	PUNCT
ejge-4656	311	1	frequently	frequently	ADV
ejge-4656	311	2	asked	ask	VERB
ejge-4656	311	3	questions	question	NOUN
ejge-4656	311	4	:	:	PUNCT
ejge-4656	311	5	capital	capital	NOUN
ejge-4656	311	6	requirements	requirement	NOUN
ejge-4656	311	7	(	(	PUNCT
ejge-4656	311	8	crr	crr	PROPN
ejge-4656	311	9	/	/	SYM
ejge-4656	311	10	crd	crd	PROPN
ejge-4656	311	11	iv	iv	NUM
ejge-4656	311	12	)	)	PUNCT
ejge-4656	311	13	and	and	CCONJ
ejge-4656	311	14	resolution	resolution	NOUN
ejge-4656	311	15	framework	framework	NOUN
ejge-4656	311	16	(	(	PUNCT
ejge-4656	311	17	brrd	brrd	NOUN
ejge-4656	311	18	/	/	SYM
ejge-4656	311	19	srm	srm	NOUN
ejge-4656	311	20	)	)	PUNCT
ejge-4656	311	21	amendments	amendment	NOUN
ejge-4656	311	22	.	.	PUNCT
ejge-4656	312	1	retrieved	retrieve	VERB
ejge-4656	312	2	from	from	ADP
ejge-4656	312	3	:	:	PUNCT
ejge-4656	312	4	http://europa.eu/rapid/press-release_memo-16-3840_en.htm	http://europa.eu/rapid/press-release_memo-16-3840_en.htm	PROPN
ejge-4656	312	5	fungáčová	fungáčová	PROPN
ejge-4656	312	6	,	,	PUNCT
ejge-4656	312	7	z.	z.	PROPN
ejge-4656	312	8	,	,	PUNCT
ejge-4656	312	9	solanko	solanko	PROPN
ejge-4656	312	10	,	,	PUNCT
ejge-4656	312	11	l.	l.	PROPN
ejge-4656	312	12	,	,	PUNCT
ejge-4656	312	13	&	&	CCONJ
ejge-4656	312	14	weill	weill	PROPN
ejge-4656	312	15	,	,	PUNCT
ejge-4656	312	16	l.	l.	PROPN
ejge-4656	312	17	(	(	PUNCT
ejge-4656	312	18	2014	2014	NUM
ejge-4656	312	19	)	)	PUNCT
ejge-4656	312	20	.	.	PUNCT
ejge-4656	313	1	does	do	AUX
ejge-4656	313	2	competition	competition	NOUN
ejge-4656	313	3	influence	influence	VERB
ejge-4656	313	4	the	the	DET
ejge-4656	313	5	bank	bank	NOUN
ejge-4656	313	6	lending	lending	NOUN
ejge-4656	313	7	channel	channel	NOUN
ejge-4656	313	8	in	in	ADP
ejge-4656	313	9	the	the	DET
ejge-4656	313	10	euro	euro	PROPN
ejge-4656	313	11	area	area	NOUN
ejge-4656	313	12	?	?	PUNCT
ejge-4656	314	1	journal	journal	NOUN
ejge-4656	314	2	of	of	ADP
ejge-4656	314	3	banking	banking	NOUN
ejge-4656	314	4	&	&	CCONJ
ejge-4656	314	5	finance	finance	PROPN
ejge-4656	314	6	49	49	NUM
ejge-4656	314	7	,	,	PUNCT
ejge-4656	314	8	356	356	NUM
ejge-4656	314	9	-	-	SYM
ejge-4656	314	10	366	366	NUM
ejge-4656	314	11	.	.	PUNCT
ejge-4656	315	1	doi	doi	NOUN
ejge-4656	315	2	:	:	PUNCT
ejge-4656	315	3	https://doi.org/10.1016/j.jbankfin.2014.06.018	https://doi.org/10.1016/j.jbankfin.2014.06.018	PROPN
ejge-4656	315	4	gobat	gobat	PROPN
ejge-4656	315	5	,	,	PUNCT
ejge-4656	315	6	j.	j.	PROPN
ejge-4656	315	7	,	,	PUNCT
ejge-4656	315	8	yanase	yanase	NOUN
ejge-4656	315	9	,	,	PUNCT
ejge-4656	315	10	m.	m.	NOUN
ejge-4656	315	11	,	,	PUNCT
ejge-4656	315	12	&	&	CCONJ
ejge-4656	315	13	maloney	maloney	PROPN
ejge-4656	315	14	,	,	PUNCT
ejge-4656	315	15	j.	j.	PROPN
ejge-4656	315	16	(	(	PUNCT
ejge-4656	315	17	2014	2014	NUM
ejge-4656	315	18	)	)	PUNCT
ejge-4656	315	19	.	.	PUNCT
ejge-4656	316	1	the	the	DET
ejge-4656	316	2	net	net	ADJ
ejge-4656	316	3	stable	stable	ADJ
ejge-4656	316	4	funding	funding	NOUN
ejge-4656	316	5	ratio	ratio	NOUN
ejge-4656	316	6	:	:	PUNCT
ejge-4656	316	7	impact	impact	NOUN
ejge-4656	316	8	and	and	CCONJ
ejge-4656	316	9	issues	issue	NOUN
ejge-4656	316	10	for	for	ADP
ejge-4656	316	11	consideration	consideration	NOUN
ejge-4656	316	12	.	.	PUNCT
ejge-4656	317	1	imf	imf	PROPN
ejge-4656	317	2	working	working	PROPN
ejge-4656	317	3	paper	paper	PROPN
ejge-4656	317	4	no	no	INTJ
ejge-4656	317	5	.	.	PUNCT
ejge-4656	318	1	14/106	14/106	NUM
ejge-4656	318	2	.	.	PUNCT
ejge-4656	319	1	retrieved	retrieve	VERB
ejge-4656	319	2	from	from	ADP
ejge-4656	319	3	:	:	PUNCT
ejge-4656	319	4	https://www.imf.org/external/pubs/ft/wp/2014/wp14106.pdf	https://www.imf.org/external/pubs/ft/wp/2014/wp14106.pdf	X
ejge-4656	319	5	.	.	PUNCT
ejge-4656	320	1	doi	doi	NOUN
ejge-4656	320	2	:	:	PUNCT
ejge-4656	320	3	https://doi.org/10.5089/9781498346498.001	https://doi.org/10.5089/9781498346498.001	PROPN
ejge-4656	320	4	hanson	hanson	PROPN
ejge-4656	320	5	,	,	PUNCT
ejge-4656	320	6	s.g	s.g	PROPN
ejge-4656	320	7	.	.	PROPN
ejge-4656	320	8	,	,	PUNCT
ejge-4656	320	9	kashyap	kashyap	PROPN
ejge-4656	320	10	,	,	PUNCT
ejge-4656	320	11	a.k	a.k	PROPN
ejge-4656	320	12	.	.	PROPN
ejge-4656	320	13	,	,	PUNCT
ejge-4656	320	14	&	&	CCONJ
ejge-4656	320	15	stein	stein	PROPN
ejge-4656	320	16	,	,	PUNCT
ejge-4656	320	17	j.c	j.c	PROPN
ejge-4656	320	18	.	.	PROPN
ejge-4656	320	19	(	(	PUNCT
ejge-4656	320	20	2011	2011	NUM
ejge-4656	320	21	)	)	PUNCT
ejge-4656	320	22	.	.	PUNCT
ejge-4656	321	1	a	a	DET
ejge-4656	321	2	macroprudential	macroprudential	ADJ
ejge-4656	321	3	approach	approach	NOUN
ejge-4656	321	4	to	to	ADP
ejge-4656	321	5	financial	financial	ADJ
ejge-4656	321	6	regulation	regulation	NOUN
ejge-4656	321	7	.	.	PUNCT
ejge-4656	322	1	journal	journal	NOUN
ejge-4656	322	2	of	of	ADP
ejge-4656	322	3	economic	economic	ADJ
ejge-4656	322	4	perspectives	perspective	NOUN
ejge-4656	322	5	25(1	25(1	NUM
ejge-4656	322	6	)	)	PUNCT
ejge-4656	322	7	,	,	PUNCT
ejge-4656	322	8	3	3	NUM
ejge-4656	322	9	-	-	SYM
ejge-4656	322	10	28	28	NUM
ejge-4656	322	11	.	.	PUNCT
ejge-4656	323	1	doi	doi	NOUN
ejge-4656	323	2	:	:	PUNCT
ejge-4656	323	3	https://doi.org/10.1257/jep.25.1.3	https://doi.org/10.1257/jep.25.1.3	VERB
ejge-4656	323	4	howarth	howarth	PROPN
ejge-4656	323	5	,	,	PUNCT
ejge-4656	323	6	d.	d.	PROPN
ejge-4656	323	7	,	,	PUNCT
ejge-4656	323	8	&	&	CCONJ
ejge-4656	323	9	quaglia	quaglia	PROPN
ejge-4656	323	10	,	,	PUNCT
ejge-4656	323	11	l.	l.	PROPN
ejge-4656	323	12	(	(	PUNCT
ejge-4656	323	13	2016	2016	NUM
ejge-4656	323	14	)	)	PUNCT
ejge-4656	323	15	.	.	PUNCT
ejge-4656	324	1	the	the	DET
ejge-4656	324	2	political	political	ADJ
ejge-4656	324	3	economy	economy	NOUN
ejge-4656	324	4	of	of	ADP
ejge-4656	324	5	european	european	PROPN
ejge-4656	324	6	banking	banking	PROPN
ejge-4656	324	7	union	union	PROPN
ejge-4656	324	8	.	.	PUNCT
ejge-4656	325	1	oxford	oxford	PROPN
ejge-4656	325	2	,	,	PUNCT
ejge-4656	325	3	united	united	ADJ
ejge-4656	325	4	kingdom	kingdom	PROPN
ejge-4656	325	5	:	:	PUNCT
ejge-4656	325	6	oxford	oxford	PROPN
ejge-4656	325	7	university	university	PROPN
ejge-4656	325	8	press	press	NOUN
ejge-4656	325	9	.	.	PUNCT
ejge-4656	326	1	doi	doi	NOUN
ejge-4656	326	2	:	:	PUNCT
ejge-4656	326	3	https://doi.org/10.1093/acprof:oso/9780198727927.001.0001	https://doi.org/10.1093/acprof:oso/9780198727927.001.0001	NOUN
ejge-4656	326	4	king	king	NOUN
ejge-4656	326	5	,	,	PUNCT
ejge-4656	326	6	m.	m.	NOUN
ejge-4656	326	7	(	(	PUNCT
ejge-4656	326	8	2010	2010	NUM
ejge-4656	326	9	)	)	PUNCT
ejge-4656	326	10	.	.	PUNCT
ejge-4656	327	1	mapping	mapping	NOUN
ejge-4656	327	2	capital	capital	NOUN
ejge-4656	327	3	and	and	CCONJ
ejge-4656	327	4	liquidity	liquidity	NOUN
ejge-4656	327	5	requirements	requirement	NOUN
ejge-4656	327	6	to	to	PART
ejge-4656	327	7	bank	bank	NOUN
ejge-4656	327	8	lending	lending	NOUN
ejge-4656	327	9	spreads	spread	NOUN
ejge-4656	327	10	.	.	PUNCT
ejge-4656	328	1	bis	bis	PROPN
ejge-4656	328	2	working	working	NOUN
ejge-4656	328	3	paperr	paperr	NOUN
ejge-4656	328	4	,	,	PUNCT
ejge-4656	328	5	324	324	NUM
ejge-4656	328	6	.	.	PUNCT
ejge-4656	328	7	retrieved	retrieve	VERB
ejge-4656	328	8	from	from	ADP
ejge-4656	328	9	:	:	PUNCT
ejge-4656	328	10	https://www.bis.org/publ/work324.htm	https://www.bis.org/publ/work324.htm	NOUN
ejge-4656	328	11	.	.	PUNCT
ejge-4656	329	1	doi	doi	NOUN
ejge-4656	329	2	:	:	PUNCT
ejge-4656	329	3	https://doi.org/10.2139/ssrn.1716884	https://doi.org/10.2139/ssrn.1716884	PROPN
ejge-4656	329	4	kisin	kisin	PROPN
ejge-4656	329	5	,	,	PUNCT
ejge-4656	329	6	r.	r.	PROPN
ejge-4656	329	7	,	,	PUNCT
ejge-4656	329	8	&	&	CCONJ
ejge-4656	329	9	manela	manela	PROPN
ejge-4656	329	10	,	,	PUNCT
ejge-4656	329	11	a.	a.	NOUN
ejge-4656	329	12	(	(	PUNCT
ejge-4656	329	13	2016	2016	NUM
ejge-4656	329	14	)	)	PUNCT
ejge-4656	329	15	.	.	PUNCT
ejge-4656	330	1	the	the	DET
ejge-4656	330	2	shadow	shadow	NOUN
ejge-4656	330	3	cost	cost	NOUN
ejge-4656	330	4	of	of	ADP
ejge-4656	330	5	bank	bank	NOUN
ejge-4656	330	6	capital	capital	NOUN
ejge-4656	330	7	requirements	requirement	NOUN
ejge-4656	330	8	.	.	PUNCT
ejge-4656	331	1	the	the	DET
ejge-4656	331	2	review	review	NOUN
ejge-4656	331	3	of	of	ADP
ejge-4656	331	4	financial	financial	ADJ
ejge-4656	331	5	studies	study	NOUN
ejge-4656	331	6	29(7	29(7	NUM
ejge-4656	331	7	)	)	PUNCT
ejge-4656	331	8	,	,	PUNCT
ejge-4656	331	9	1780–1820	1780–1820	X
ejge-4656	331	10	.	.	PUNCT
ejge-4656	332	1	doi	doi	NOUN
ejge-4656	332	2	:	:	PUNCT
ejge-4656	332	3	https://doi.org/10.1093/rfs/hhw022	https://doi.org/10.1093/rfs/hhw022	PROPN
ejge-4656	332	4	lambertini	lambertini	PROPN
ejge-4656	332	5	,	,	PUNCT
ejge-4656	332	6	l.	l.	PROPN
ejge-4656	332	7	,	,	PUNCT
ejge-4656	332	8	&	&	CCONJ
ejge-4656	332	9	mukherjee	mukherjee	PROPN
ejge-4656	332	10	,	,	PUNCT
ejge-4656	332	11	a.	a.	NOUN
ejge-4656	332	12	(	(	PUNCT
ejge-4656	332	13	2016	2016	NUM
ejge-4656	332	14	)	)	PUNCT
ejge-4656	332	15	.	.	PUNCT
ejge-4656	333	1	is	be	AUX
ejge-4656	333	2	bank	bank	NOUN
ejge-4656	333	3	capital	capital	NOUN
ejge-4656	333	4	regulation	regulation	NOUN
ejge-4656	333	5	costly	costly	ADJ
ejge-4656	333	6	for	for	ADP
ejge-4656	333	7	firms	firm	NOUN
ejge-4656	333	8	?	?	PUNCT
ejge-4656	334	1	–	–	PUNCT
ejge-4656	334	2	evidence	evidence	NOUN
ejge-4656	334	3	from	from	ADP
ejge-4656	334	4	syndicated	syndicate	VERB
ejge-4656	334	5	loans	loan	NOUN
ejge-4656	334	6	.	.	PUNCT
ejge-4656	335	1	the	the	DET
ejge-4656	335	2	école	école	PROPN
ejge-4656	335	3	polytechnique	polytechnique	X
ejge-4656	335	4	fédérale	fédérale	PROPN
ejge-4656	335	5	de	de	X
ejge-4656	335	6	lausanne	lausanne	PROPN
ejge-4656	335	7	working	working	PROPN
ejge-4656	335	8	paper	paper	NOUN
ejge-4656	335	9	.	.	PUNCT
ejge-4656	336	1	retrieved	retrieve	VERB
ejge-4656	336	2	from	from	ADP
ejge-4656	336	3	https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=2ahukewjr87	https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=2ahukewjr87	PROPN
ejge-4656	336	4	hk9bzeahvwsoskhrypa60qfjaaegqiarac&url	hk9bzeahvwsoskhrypa60qfjaaegqiarac&url	AUX
ejge-4656	337	1	=	=	SYM
ejge-4656	337	2	https%3a%2f%2fwww.aeaweb.org%2	https%3a%2f%2fwww.aeaweb.org%2	PROPN
ejge-4656	337	3	fconference%2f2017%2fpreliminary%2fpaper%2f5ttrkznd&usg	fconference%2f2017%2fpreliminary%2fpaper%2f5ttrkznd&usg	NOUN
ejge-4656	337	4	=	=	NUM
ejge-4656	337	5	aovvaw0zzce25alg	aovvaw0zzce25alg	NOUN
ejge-4656	337	6	ukoy4m31l41	ukoy4m31l41	PROPN
ejge-4656	337	7	martin	martin	PROPN
ejge-4656	337	8	,	,	PUNCT
ejge-4656	337	9	a.	a.	PROPN
ejge-4656	337	10	,	,	PUNCT
ejge-4656	337	11	&	&	CCONJ
ejge-4656	337	12	parigi	parigi	PROPN
ejge-4656	337	13	,	,	PUNCT
ejge-4656	337	14	b.m	b.m	PROPN
ejge-4656	337	15	.	.	PROPN
ejge-4656	337	16	(	(	PUNCT
ejge-4656	337	17	2013	2013	NUM
ejge-4656	337	18	)	)	PUNCT
ejge-4656	337	19	.	.	PUNCT
ejge-4656	338	1	bank	bank	NOUN
ejge-4656	338	2	capital	capital	NOUN
ejge-4656	338	3	regulation	regulation	NOUN
ejge-4656	338	4	and	and	CCONJ
ejge-4656	338	5	structured	structured	ADJ
ejge-4656	338	6	finance	finance	NOUN
ejge-4656	338	7	.	.	PUNCT
ejge-4656	339	1	journal	journal	NOUN
ejge-4656	339	2	of	of	ADP
ejge-4656	339	3	money	money	NOUN
ejge-4656	339	4	,	,	PUNCT
ejge-4656	339	5	credit	credit	NOUN
ejge-4656	339	6	and	and	CCONJ
ejge-4656	339	7	banking	banking	NOUN
ejge-4656	339	8	45(1	45(1	NOUN
ejge-4656	339	9	)	)	PUNCT
ejge-4656	339	10	,	,	PUNCT
ejge-4656	339	11	87	87	NUM
ejge-4656	339	12	-	-	SYM
ejge-4656	339	13	119	119	NUM
ejge-4656	339	14	.	.	PUNCT
ejge-4656	340	1	doi	doi	NOUN
ejge-4656	340	2	:	:	PUNCT
ejge-4656	340	3	https://doi.org/10.1111/j.15384616.2012.00563.x	https://doi.org/10.1111/j.15384616.2012.00563.x	DET
ejge-4656	340	4	meriläinen	meriläinen	PROPN
ejge-4656	340	5	,	,	PUNCT
ejge-4656	340	6	j	j	PROPN
ejge-4656	340	7	-	-	PUNCT
ejge-4656	340	8	m.	m.	NOUN
ejge-4656	340	9	(	(	PUNCT
ejge-4656	340	10	2016	2016	NUM
ejge-4656	340	11	)	)	PUNCT
ejge-4656	340	12	.	.	PUNCT
ejge-4656	341	1	lending	lend	VERB
ejge-4656	341	2	growth	growth	NOUN
ejge-4656	341	3	during	during	ADP
ejge-4656	341	4	the	the	DET
ejge-4656	341	5	financial	financial	ADJ
ejge-4656	341	6	crisis	crisis	NOUN
ejge-4656	341	7	and	and	CCONJ
ejge-4656	341	8	the	the	DET
ejge-4656	341	9	sovereign	sovereign	ADJ
ejge-4656	341	10	debt	debt	NOUN
ejge-4656	341	11	crisis	crisis	NOUN
ejge-4656	341	12	:	:	PUNCT
ejge-4656	341	13	the	the	DET
ejge-4656	341	14	role	role	NOUN
ejge-4656	341	15	of	of	ADP
ejge-4656	341	16	bank	bank	NOUN
ejge-4656	341	17	ownership	ownership	NOUN
ejge-4656	341	18	type	type	NOUN
ejge-4656	341	19	.	.	PUNCT
ejge-4656	342	1	journal	journal	PROPN
ejge-4656	342	2	of	of	ADP
ejge-4656	342	3	international	international	ADJ
ejge-4656	342	4	financial	financial	ADJ
ejge-4656	342	5	markets	market	NOUN
ejge-4656	342	6	,	,	PUNCT
ejge-4656	342	7	institutions	institution	NOUN
ejge-4656	342	8	and	and	CCONJ
ejge-4656	342	9	money	money	NOUN
ejge-4656	342	10	,	,	PUNCT
ejge-4656	342	11	41	41	NUM
ejge-4656	342	12	,	,	PUNCT
ejge-4656	342	13	168	168	NUM
ejge-4656	342	14	-	-	SYM
ejge-4656	342	15	182	182	NUM
ejge-4656	342	16	.	.	PUNCT
ejge-4656	343	1	doi	doi	NOUN
ejge-4656	343	2	:	:	PUNCT
ejge-4656	343	3	https://doi.org/10.1016/j.intfin.2015.12.011	https://doi.org/10.1016/j.intfin.2015.12.011	PROPN
ejge-4656	343	4	mesonnier	mesonnier	NOUN
ejge-4656	343	5	,	,	PUNCT
ejge-4656	343	6	j	j	PROPN
ejge-4656	343	7	-	-	PUNCT
ejge-4656	343	8	s.	s.	PROPN
ejge-4656	343	9	,	,	PUNCT
ejge-4656	343	10	&	&	CCONJ
ejge-4656	343	11	monks	monk	NOUN
ejge-4656	343	12	,	,	PUNCT
ejge-4656	343	13	a.	a.	NOUN
ejge-4656	343	14	(	(	PUNCT
ejge-4656	343	15	2015	2015	NUM
ejge-4656	343	16	)	)	PUNCT
ejge-4656	343	17	.	.	PUNCT
ejge-4656	344	1	did	do	AUX
ejge-4656	344	2	the	the	DET
ejge-4656	344	3	eba	eba	NOUN
ejge-4656	344	4	capital	capital	NOUN
ejge-4656	344	5	exercise	exercise	NOUN
ejge-4656	344	6	cause	cause	VERB
ejge-4656	344	7	a	a	DET
ejge-4656	344	8	credit	credit	NOUN
ejge-4656	344	9	crunch	crunch	NOUN
ejge-4656	344	10	in	in	ADP
ejge-4656	344	11	the	the	DET
ejge-4656	344	12	euro	euro	PROPN
ejge-4656	344	13	area	area	NOUN
ejge-4656	344	14	?	?	PUNCT
ejge-4656	345	1	international	international	ADJ
ejge-4656	345	2	journal	journal	NOUN
ejge-4656	345	3	of	of	ADP
ejge-4656	345	4	central	central	ADJ
ejge-4656	345	5	banking	banking	NOUN
ejge-4656	345	6	11(3	11(3	NUM
ejge-4656	345	7	)	)	PUNCT
ejge-4656	345	8	,	,	PUNCT
ejge-4656	345	9	75	75	NUM
ejge-4656	345	10	-	-	SYM
ejge-4656	345	11	117	117	NUM
ejge-4656	345	12	.	.	PUNCT
ejge-4656	346	1	doi	doi	PROPN
ejge-4656	346	2	:	:	PUNCT
ejge-4656	346	3	https://doi.org/10.2139/ssrn.2451019	https://doi.org/10.2139/ssrn.2451019	PROPN
ejge-4656	346	4	noss	noss	PROPN
ejge-4656	346	5	,	,	PUNCT
ejge-4656	346	6	j.	j.	PROPN
ejge-4656	346	7	,	,	PUNCT
ejge-4656	346	8	&	&	CCONJ
ejge-4656	346	9	toffano	toffano	PROPN
ejge-4656	346	10	,	,	PUNCT
ejge-4656	346	11	p.	p.	NOUN
ejge-4656	346	12	(	(	PUNCT
ejge-4656	346	13	2016	2016	NUM
ejge-4656	346	14	)	)	PUNCT
ejge-4656	346	15	.	.	PUNCT
ejge-4656	347	1	estimating	estimate	VERB
ejge-4656	347	2	the	the	DET
ejge-4656	347	3	impact	impact	NOUN
ejge-4656	347	4	of	of	ADP
ejge-4656	347	5	changes	change	NOUN
ejge-4656	347	6	in	in	ADP
ejge-4656	347	7	aggregate	aggregate	ADJ
ejge-4656	347	8	bank	bank	NOUN
ejge-4656	347	9	capital	capital	NOUN
ejge-4656	347	10	requirements	requirement	NOUN
ejge-4656	347	11	on	on	ADP
ejge-4656	347	12	lending	lending	NOUN
ejge-4656	347	13	and	and	CCONJ
ejge-4656	347	14	growth	growth	NOUN
ejge-4656	347	15	during	during	ADP
ejge-4656	347	16	an	an	DET
ejge-4656	347	17	upswing	upswing	NOUN
ejge-4656	347	18	.	.	PUNCT
ejge-4656	348	1	journal	journal	NOUN
ejge-4656	348	2	of	of	ADP
ejge-4656	348	3	banking	banking	NOUN
ejge-4656	348	4	&	&	CCONJ
ejge-4656	348	5	finance	finance	PROPN
ejge-4656	348	6	,	,	PUNCT
ejge-4656	348	7	62	62	NUM
ejge-4656	348	8	,	,	PUNCT
ejge-4656	348	9	15	15	NUM
ejge-4656	348	10	-	-	SYM
ejge-4656	348	11	27	27	NUM
ejge-4656	348	12	.	.	PUNCT
ejge-4656	349	1	doi	doi	NOUN
ejge-4656	349	2	:	:	PUNCT
ejge-4656	349	3	https://doi.org/10.1016/j.jbankfin.2015.09.020	https://doi.org/10.1016/j.jbankfin.2015.09.020	PROPN
ejge-4656	349	4	ongena	ongena	PROPN
ejge-4656	349	5	,	,	PUNCT
ejge-4656	349	6	s.	s.	PROPN
ejge-4656	349	7	,	,	PUNCT
ejge-4656	349	8	popov	popov	PROPN
ejge-4656	349	9	,	,	PUNCT
ejge-4656	349	10	a.	a.	PROPN
ejge-4656	349	11	,	,	PUNCT
ejge-4656	349	12	&	&	CCONJ
ejge-4656	349	13	udell	udell	PROPN
ejge-4656	349	14	,	,	PUNCT
ejge-4656	349	15	g.f	g.f	PROPN
ejge-4656	349	16	.	.	PROPN
ejge-4656	349	17	(	(	PUNCT
ejge-4656	349	18	2013	2013	NUM
ejge-4656	349	19	)	)	PUNCT
ejge-4656	349	20	.	.	PUNCT
ejge-4656	350	1	“	"	PUNCT
ejge-4656	350	2	when	when	SCONJ
ejge-4656	350	3	the	the	DET
ejge-4656	350	4	cat	cat	NOUN
ejge-4656	350	5	's	be	AUX
ejge-4656	350	6	away	away	ADV
ejge-4656	350	7	the	the	DET
ejge-4656	350	8	mice	mouse	NOUN
ejge-4656	350	9	will	will	AUX
ejge-4656	350	10	play	play	VERB
ejge-4656	350	11	”	"	PUNCT
ejge-4656	350	12	:	:	PUNCT
ejge-4656	350	13	does	do	VERB
ejge-4656	350	14	regulation	regulation	NOUN
ejge-4656	350	15	at	at	ADP
ejge-4656	350	16	home	home	NOUN
ejge-4656	350	17	affect	affect	VERB
ejge-4656	350	18	bank	bank	NOUN
ejge-4656	350	19	risk	risk	NOUN
ejge-4656	350	20	-	-	PUNCT
ejge-4656	350	21	taking	taking	NOUN
ejge-4656	350	22	abroad	abroad	ADV
ejge-4656	350	23	?	?	PUNCT
ejge-4656	351	1	journal	journal	NOUN
ejge-4656	351	2	of	of	ADP
ejge-4656	351	3	financial	financial	ADJ
ejge-4656	351	4	economics	economic	NOUN
ejge-4656	351	5	108(3	108(3	NUM
ejge-4656	351	6	)	)	PUNCT
ejge-4656	351	7	,	,	PUNCT
ejge-4656	351	8	727	727	NUM
ejge-4656	351	9	-	-	SYM
ejge-4656	351	10	750	750	NUM
ejge-4656	351	11	.	.	PUNCT
ejge-4656	352	1	doi	doi	NOUN
ejge-4656	352	2	:	:	PUNCT
ejge-4656	352	3	https://doi.org/10.1016/j.jfineco.2013.01.006	https://doi.org/10.1016/j.jfineco.2013.01.006	NOUN
ejge-4656	352	4	peydro	peydro	NOUN
ejge-4656	352	5	,	,	PUNCT
ejge-4656	352	6	j	j	PROPN
ejge-4656	352	7	-	-	PUNCT
ejge-4656	352	8	l.	l.	PROPN
ejge-4656	352	9	(	(	PUNCT
ejge-4656	352	10	2010	2010	NUM
ejge-4656	352	11	)	)	PUNCT
ejge-4656	352	12	.	.	PUNCT
ejge-4656	353	1	discussion	discussion	NOUN
ejge-4656	353	2	of	of	ADP
ejge-4656	353	3	the	the	DET
ejge-4656	353	4	effects	effect	NOUN
ejge-4656	353	5	of	of	ADP
ejge-4656	353	6	bank	bank	NOUN
ejge-4656	353	7	capital	capital	NOUN
ejge-4656	353	8	on	on	ADP
ejge-4656	353	9	lending	lending	NOUN
ejge-4656	353	10	:	:	PUNCT
ejge-4656	353	11	what	what	PRON
ejge-4656	353	12	do	do	AUX
ejge-4656	353	13	we	we	PRON
ejge-4656	353	14	know	know	VERB
ejge-4656	353	15	,	,	PUNCT
ejge-4656	353	16	and	and	CCONJ
ejge-4656	353	17	what	what	PRON
ejge-4656	353	18	does	do	AUX
ejge-4656	353	19	it	it	PRON
ejge-4656	353	20	mean	mean	VERB
ejge-4656	353	21	?	?	PUNCT
ejge-4656	354	1	international	international	ADJ
ejge-4656	354	2	journal	journal	NOUN
ejge-4656	354	3	of	of	ADP
ejge-4656	354	4	central	central	ADJ
ejge-4656	354	5	banking	banking	NOUN
ejge-4656	354	6	6(4	6(4	PROPN
ejge-4656	354	7	)	)	PUNCT
ejge-4656	354	8	,	,	PUNCT
ejge-4656	354	9	55	55	NUM
ejge-4656	354	10	-	-	SYM
ejge-4656	354	11	69	69	NUM
ejge-4656	354	12	.	.	PUNCT
ejge-4656	355	1	doi	doi	NOUN
ejge-4656	355	2	:	:	PUNCT
ejge-4656	355	3	https://doi.org/10.17016/feds.2010.44	https://doi.org/10.17016/feds.2010.44	PROPN
ejge-4656	355	4	plantin	plantin	PROPN
ejge-4656	355	5	,	,	PUNCT
ejge-4656	355	6	g.	g.	PROPN
ejge-4656	355	7	(	(	PUNCT
ejge-4656	355	8	2015	2015	NUM
ejge-4656	355	9	)	)	PUNCT
ejge-4656	355	10	.	.	PUNCT
ejge-4656	356	1	shadow	shadow	PROPN
ejge-4656	356	2	banking	banking	PROPN
ejge-4656	356	3	and	and	CCONJ
ejge-4656	356	4	bank	bank	NOUN
ejge-4656	356	5	capital	capital	NOUN
ejge-4656	356	6	regulation	regulation	NOUN
ejge-4656	356	7	.	.	PUNCT
ejge-4656	357	1	the	the	DET
ejge-4656	357	2	review	review	NOUN
ejge-4656	357	3	of	of	ADP
ejge-4656	357	4	financial	financial	ADJ
ejge-4656	357	5	studies	study	NOUN
ejge-4656	357	6	28(1	28(1	NOUN
ejge-4656	357	7	)	)	PUNCT
ejge-4656	357	8	,	,	PUNCT
ejge-4656	357	9	146	146	NUM
ejge-4656	357	10	-	-	SYM
ejge-4656	357	11	175	175	NUM
ejge-4656	357	12	.	.	PUNCT
ejge-4656	358	1	doi	doi	PROPN
ejge-4656	358	2	:	:	PUNCT
ejge-4656	358	3	https://doi.org/10.1093/rfs/hhu055	https://doi.org/10.1093/rfs/hhu055	PROPN
ejge-4656	358	4	m.	m.	VERB
ejge-4656	358	5	huhtilainen	huhtilainen	PROPN
ejge-4656	358	6	/	/	SYM
ejge-4656	358	7	european	european	PROPN
ejge-4656	358	8	journal	journal	PROPN
ejge-4656	358	9	of	of	ADP
ejge-4656	358	10	government	government	NOUN
ejge-4656	358	11	and	and	CCONJ
ejge-4656	358	12	economics	economic	NOUN
ejge-4656	358	13	8(2	8(2	NUM
ejge-4656	358	14	)	)	PUNCT
ejge-4656	358	15	,	,	PUNCT
ejge-4656	358	16	december	december	PROPN
ejge-4656	358	17	2019	2019	NUM
ejge-4656	358	18	,	,	PUNCT
ejge-4656	358	19	203	203	NUM
ejge-4656	358	20	-	-	SYM
ejge-4656	358	21	217	217	NUM
ejge-4656	358	22	217	217	NUM
ejge-4656	358	23	    	    	SPACE
ejge-4656	358	24	repullo	repullo	PROPN
ejge-4656	358	25	,	,	PUNCT
ejge-4656	358	26	r.	r.	PROPN
ejge-4656	358	27	(	(	PUNCT
ejge-4656	358	28	2004	2004	NUM
ejge-4656	358	29	)	)	PUNCT
ejge-4656	358	30	.	.	PUNCT
ejge-4656	359	1	capital	capital	NOUN
ejge-4656	359	2	requirements	requirement	NOUN
ejge-4656	359	3	,	,	PUNCT
ejge-4656	359	4	market	market	NOUN
ejge-4656	359	5	power	power	NOUN
ejge-4656	359	6	,	,	PUNCT
ejge-4656	359	7	and	and	CCONJ
ejge-4656	359	8	risk	risk	NOUN
ejge-4656	359	9	-	-	PUNCT
ejge-4656	359	10	taking	taking	NOUN
ejge-4656	359	11	in	in	ADP
ejge-4656	359	12	banking	banking	NOUN
ejge-4656	359	13	.	.	PUNCT
ejge-4656	360	1	journal	journal	PROPN
ejge-4656	360	2	of	of	ADP
ejge-4656	360	3	financial	financial	ADJ
ejge-4656	360	4	intermediation	intermediation	NOUN
ejge-4656	360	5	13(2	13(2	NOUN
ejge-4656	360	6	)	)	PUNCT
ejge-4656	360	7	,	,	PUNCT
ejge-4656	360	8	156	156	NUM
ejge-4656	360	9	-	-	SYM
ejge-4656	360	10	182	182	NUM
ejge-4656	360	11	.	.	PUNCT
ejge-4656	361	1	doi	doi	PROPN
ejge-4656	361	2	:	:	PUNCT
ejge-4656	361	3	https://doi.org/10.1016/j.jfi.2003.08.005	https://doi.org/10.1016/j.jfi.2003.08.005	PROPN
ejge-4656	361	4	tanda	tanda	PROPN
ejge-4656	361	5	,	,	PUNCT
ejge-4656	361	6	a.	a.	NOUN
ejge-4656	361	7	(	(	PUNCT
ejge-4656	361	8	2015	2015	NUM
ejge-4656	361	9	)	)	PUNCT
ejge-4656	361	10	.	.	PUNCT
ejge-4656	362	1	the	the	DET
ejge-4656	362	2	effects	effect	NOUN
ejge-4656	362	3	of	of	ADP
ejge-4656	362	4	bank	bank	NOUN
ejge-4656	362	5	regulation	regulation	NOUN
ejge-4656	362	6	on	on	ADP
ejge-4656	362	7	the	the	DET
ejge-4656	362	8	relationship	relationship	NOUN
ejge-4656	362	9	between	between	ADP
ejge-4656	362	10	capital	capital	NOUN
ejge-4656	362	11	and	and	CCONJ
ejge-4656	362	12	risk	risk	NOUN
ejge-4656	362	13	.	.	PUNCT
ejge-4656	363	1	comparative	comparative	ADJ
ejge-4656	363	2	economics	economic	NOUN
ejge-4656	363	3	studies	study	NOUN
ejge-4656	363	4	57(1	57(1	NUM
ejge-4656	363	5	)	)	PUNCT
ejge-4656	363	6	,	,	PUNCT
ejge-4656	363	7	31	31	NUM
ejge-4656	363	8	-	-	SYM
ejge-4656	363	9	54	54	NUM
ejge-4656	363	10	.	.	PUNCT
ejge-4656	364	1	doi	doi	NOUN
ejge-4656	364	2	:	:	PUNCT
ejge-4656	364	3	https://doi.org/10.1057/ces.2014.35	https://doi.org/10.1057/ces.2014.35	PROPN
ejge-4656	364	4	walker	walker	PROPN
ejge-4656	364	5	,	,	PUNCT
ejge-4656	364	6	g.a	g.a	PROPN
ejge-4656	364	7	.	.	PROPN
ejge-4656	364	8	(	(	PUNCT
ejge-4656	364	9	2011	2011	NUM
ejge-4656	364	10	)	)	PUNCT
ejge-4656	364	11	.	.	PUNCT
ejge-4656	365	1	basel	basel	PROPN
ejge-4656	365	2	iii	iii	PROPN
ejge-4656	365	3	market	market	NOUN
ejge-4656	365	4	and	and	CCONJ
ejge-4656	365	5	regulatory	regulatory	ADJ
ejge-4656	365	6	compromise	compromise	NOUN
ejge-4656	365	7	.	.	PUNCT
ejge-4656	366	1	journal	journal	NOUN
ejge-4656	366	2	of	of	ADP
ejge-4656	366	3	banking	banking	NOUN
ejge-4656	366	4	regulation	regulation	NOUN
ejge-4656	366	5	12(2	12(2	NUM
ejge-4656	366	6	)	)	PUNCT
ejge-4656	366	7	,	,	PUNCT
ejge-4656	366	8	95	95	NUM
ejge-4656	366	9	-	-	SYM
ejge-4656	366	10	99	99	NUM
ejge-4656	366	11	.	.	PUNCT
ejge-4656	367	1	doi	doi	NOUN
ejge-4656	367	2	:	:	PUNCT
ejge-4656	368	1	https://doi.org/10.1057/jbr.2011.4	https://doi.org/10.1057/jbr.2011.4	PROPN