id	sid	tid	token	lemma	pos
fbem-11822	1	1	frontiers	frontier	NOUN
fbem-11822	1	2	in	in	ADP
fbem-11822	1	3	business	business	NOUN
fbem-11822	1	4	,	,	PUNCT
fbem-11822	1	5	economics	economic	NOUN
fbem-11822	1	6	and	and	CCONJ
fbem-11822	1	7	management	management	NOUN
fbem-11822	1	8	issn	issn	PROPN
fbem-11822	1	9	:	:	PUNCT
fbem-11822	1	10	2766	2766	NUM
fbem-11822	1	11	-	-	PUNCT
fbem-11822	1	12	824x	824x	NUM
fbem-11822	1	13	|	|	ADJ
fbem-11822	1	14	vol	vol	NOUN
fbem-11822	1	15	.	.	PUNCT
fbem-11822	2	1	11	11	NUM
fbem-11822	2	2	,	,	PUNCT
fbem-11822	2	3	no	no	INTJ
fbem-11822	2	4	.	.	NOUN
fbem-11822	2	5	1	1	NUM
fbem-11822	2	6	,	,	PUNCT
fbem-11822	2	7	2023	2023	NUM
fbem-11822	2	8	101	101	NUM
fbem-11822	2	9	literature	literature	NOUN
fbem-11822	2	10	review	review	NOUN
fbem-11822	2	11	on	on	ADP
fbem-11822	2	12	the	the	DET
fbem-11822	2	13	impact	impact	NOUN
fbem-11822	2	14	of	of	ADP
fbem-11822	2	15	internet	internet	NOUN
fbem-11822	2	16	finance	finance	NOUN
fbem-11822	2	17	development	development	NOUN
fbem-11822	2	18	on	on	ADP
fbem-11822	2	19	commercial	commercial	ADJ
fbem-11822	2	20	bank	bank	NOUN
fbem-11822	2	21	profit	profit	NOUN
fbem-11822	2	22	model	model	NOUN
fbem-11822	2	23	zhuxin	zhuxin	PROPN
fbem-11822	2	24	hu1	hu1	PROPN
fbem-11822	2	25	,	,	PUNCT
fbem-11822	2	26	yijun	yijun	PROPN
fbem-11822	2	27	chen1	chen1	PROPN
fbem-11822	2	28	,	,	PUNCT
fbem-11822	2	29	2	2	NUM
fbem-11822	2	30	1	1	NUM
fbem-11822	2	31	school	school	NOUN
fbem-11822	2	32	of	of	ADP
fbem-11822	2	33	management	management	NOUN
fbem-11822	2	34	,	,	PUNCT
fbem-11822	2	35	sichuan	sichuan	PROPN
fbem-11822	2	36	university	university	PROPN
fbem-11822	2	37	of	of	ADP
fbem-11822	2	38	science	science	PROPN
fbem-11822	2	39	&	&	CCONJ
fbem-11822	2	40	engineer	engineer	PROPN
fbem-11822	2	41	,	,	PUNCT
fbem-11822	2	42	zigong	zigong	PROPN
fbem-11822	2	43	643000	643000	NUM
fbem-11822	2	44	,	,	PUNCT
fbem-11822	2	45	china	china	PROPN
fbem-11822	2	46	2	2	NUM
fbem-11822	2	47	research	research	NOUN
fbem-11822	2	48	center	center	NOUN
fbem-11822	2	49	for	for	ADP
fbem-11822	2	50	sichuan	sichuan	PROPN
fbem-11822	2	51	liquor	liquor	NOUN
fbem-11822	2	52	industry	industry	NOUN
fbem-11822	2	53	development	development	NOUN
fbem-11822	2	54	,	,	PUNCT
fbem-11822	2	55	yibin	yibin	PROPN
fbem-11822	2	56	,	,	PUNCT
fbem-11822	2	57	644000	644000	NUM
fbem-11822	2	58	,	,	PUNCT
fbem-11822	2	59	china	china	PROPN
fbem-11822	2	60	abstract	abstract	NOUN
fbem-11822	2	61	:	:	PUNCT
fbem-11822	2	62	by	by	ADP
fbem-11822	2	63	diverting	divert	VERB
fbem-11822	2	64	customers	customer	NOUN
fbem-11822	2	65	,	,	PUNCT
fbem-11822	2	66	squeezing	squeeze	VERB
fbem-11822	2	67	the	the	DET
fbem-11822	2	68	scale	scale	NOUN
fbem-11822	2	69	of	of	ADP
fbem-11822	2	70	deposit	deposit	NOUN
fbem-11822	2	71	and	and	CCONJ
fbem-11822	2	72	loan	loan	NOUN
fbem-11822	2	73	business	business	NOUN
fbem-11822	2	74	and	and	CCONJ
fbem-11822	2	75	raising	raise	VERB
fbem-11822	2	76	the	the	DET
fbem-11822	2	77	cost	cost	NOUN
fbem-11822	2	78	of	of	ADP
fbem-11822	2	79	capital	capital	NOUN
fbem-11822	2	80	,	,	PUNCT
fbem-11822	2	81	internet	internet	NOUN
fbem-11822	2	82	finance	finance	NOUN
fbem-11822	2	83	can	can	AUX
fbem-11822	2	84	reduce	reduce	VERB
fbem-11822	2	85	the	the	DET
fbem-11822	2	86	interest	interest	NOUN
fbem-11822	2	87	rate	rate	NOUN
fbem-11822	2	88	spread	spread	NOUN
fbem-11822	2	89	of	of	ADP
fbem-11822	2	90	commercial	commercial	ADJ
fbem-11822	2	91	banks	bank	NOUN
fbem-11822	2	92	and	and	CCONJ
fbem-11822	2	93	compete	compete	VERB
fbem-11822	2	94	with	with	ADP
fbem-11822	2	95	them	they	PRON
fbem-11822	2	96	in	in	ADP
fbem-11822	2	97	many	many	ADJ
fbem-11822	2	98	fields	field	NOUN
fbem-11822	2	99	.	.	PUNCT
fbem-11822	3	1	this	this	DET
fbem-11822	3	2	paper	paper	NOUN
fbem-11822	3	3	adopts	adopt	VERB
fbem-11822	3	4	the	the	DET
fbem-11822	3	5	method	method	NOUN
fbem-11822	3	6	of	of	ADP
fbem-11822	3	7	literature	literature	NOUN
fbem-11822	3	8	review	review	NOUN
fbem-11822	3	9	to	to	PART
fbem-11822	3	10	comb	comb	VERB
fbem-11822	3	11	and	and	CCONJ
fbem-11822	3	12	study	study	VERB
fbem-11822	3	13	the	the	DET
fbem-11822	3	14	relevant	relevant	ADJ
fbem-11822	3	15	literature	literature	NOUN
fbem-11822	3	16	of	of	ADP
fbem-11822	3	17	internet	internet	NOUN
fbem-11822	3	18	finance	finance	NOUN
fbem-11822	3	19	,	,	PUNCT
fbem-11822	3	20	the	the	DET
fbem-11822	3	21	profit	profit	NOUN
fbem-11822	3	22	model	model	NOUN
fbem-11822	3	23	of	of	ADP
fbem-11822	3	24	commercial	commercial	ADJ
fbem-11822	3	25	bank	bank	NOUN
fbem-11822	3	26	,	,	PUNCT
fbem-11822	3	27	the	the	DET
fbem-11822	3	28	impact	impact	NOUN
fbem-11822	3	29	of	of	ADP
fbem-11822	3	30	internet	internet	NOUN
fbem-11822	3	31	finance	finance	NOUN
fbem-11822	3	32	on	on	ADP
fbem-11822	3	33	the	the	DET
fbem-11822	3	34	profit	profit	NOUN
fbem-11822	3	35	of	of	ADP
fbem-11822	3	36	commercial	commercial	ADJ
fbem-11822	3	37	bank	bank	PROPN
fbem-11822	3	38	and	and	CCONJ
fbem-11822	3	39	the	the	DET
fbem-11822	3	40	relevant	relevant	ADJ
fbem-11822	3	41	literature	literature	NOUN
fbem-11822	3	42	of	of	ADP
fbem-11822	3	43	improvement	improvement	NOUN
fbem-11822	3	44	,	,	PUNCT
fbem-11822	3	45	on	on	ADP
fbem-11822	3	46	this	this	DET
fbem-11822	3	47	basis	basis	NOUN
fbem-11822	3	48	,	,	PUNCT
fbem-11822	3	49	this	this	DET
fbem-11822	3	50	paper	paper	NOUN
fbem-11822	3	51	discusses	discuss	VERB
fbem-11822	3	52	the	the	DET
fbem-11822	3	53	impact	impact	NOUN
fbem-11822	3	54	of	of	ADP
fbem-11822	3	55	internet	internet	NOUN
fbem-11822	3	56	finance	finance	NOUN
fbem-11822	3	57	on	on	ADP
fbem-11822	3	58	commercial	commercial	ADJ
fbem-11822	3	59	bank	bank	NOUN
fbem-11822	3	60	profit	profit	NOUN
fbem-11822	3	61	model	model	NOUN
fbem-11822	3	62	in	in	ADP
fbem-11822	3	63	the	the	DET
fbem-11822	3	64	future	future	ADJ
fbem-11822	3	65	research	research	NOUN
fbem-11822	3	66	direction	direction	NOUN
fbem-11822	3	67	.	.	PUNCT
fbem-11822	4	1	keywords	keyword	NOUN
fbem-11822	4	2	:	:	PUNCT
fbem-11822	4	3	internet	internet	NOUN
fbem-11822	4	4	finance	finance	NOUN
fbem-11822	4	5	,	,	PUNCT
fbem-11822	4	6	commercial	commercial	ADJ
fbem-11822	4	7	bank	bank	NOUN
fbem-11822	4	8	,	,	PUNCT
fbem-11822	4	9	profit	profit	NOUN
fbem-11822	4	10	model	model	NOUN
fbem-11822	4	11	,	,	PUNCT
fbem-11822	4	12	literature	literature	NOUN
fbem-11822	4	13	review	review	NOUN
fbem-11822	4	14	.	.	PUNCT
fbem-11822	5	1	1	1	X
fbem-11822	5	2	.	.	X
fbem-11822	5	3	introduction	introduction	NOUN
fbem-11822	5	4	as	as	ADP
fbem-11822	5	5	the	the	DET
fbem-11822	5	6	blood	blood	NOUN
fbem-11822	5	7	vessel	vessel	NOUN
fbem-11822	5	8	of	of	ADP
fbem-11822	5	9	the	the	DET
fbem-11822	5	10	national	national	ADJ
fbem-11822	5	11	economy	economy	NOUN
fbem-11822	5	12	,	,	PUNCT
fbem-11822	5	13	the	the	DET
fbem-11822	5	14	bank	bank	NOUN
fbem-11822	5	15	undertakes	undertake	VERB
fbem-11822	5	16	the	the	DET
fbem-11822	5	17	social	social	ADJ
fbem-11822	5	18	responsibility	responsibility	NOUN
fbem-11822	5	19	and	and	CCONJ
fbem-11822	5	20	the	the	DET
fbem-11822	5	21	responsibility	responsibility	NOUN
fbem-11822	5	22	of	of	ADP
fbem-11822	5	23	the	the	DET
fbem-11822	5	24	national	national	ADJ
fbem-11822	5	25	macroeconomic	macroeconomic	ADJ
fbem-11822	5	26	regulation	regulation	NOUN
fbem-11822	5	27	and	and	CCONJ
fbem-11822	5	28	control	control	NOUN
fbem-11822	5	29	,	,	PUNCT
fbem-11822	5	30	which	which	PRON
fbem-11822	5	31	are	be	AUX
fbem-11822	5	32	different	different	ADJ
fbem-11822	5	33	from	from	ADP
fbem-11822	5	34	the	the	DET
fbem-11822	5	35	ordinary	ordinary	ADJ
fbem-11822	5	36	enterprises	enterprise	NOUN
fbem-11822	5	37	.	.	PUNCT
fbem-11822	6	1	as	as	ADP
fbem-11822	6	2	the	the	DET
fbem-11822	6	3	most	most	ADV
fbem-11822	6	4	active	active	ADJ
fbem-11822	6	5	part	part	NOUN
fbem-11822	6	6	of	of	ADP
fbem-11822	6	7	the	the	DET
fbem-11822	6	8	banking	banking	NOUN
fbem-11822	6	9	industry	industry	NOUN
fbem-11822	6	10	,	,	PUNCT
fbem-11822	6	11	the	the	DET
fbem-11822	6	12	commercial	commercial	ADJ
fbem-11822	6	13	banks	bank	NOUN
fbem-11822	6	14	,	,	PUNCT
fbem-11822	6	15	under	under	ADP
fbem-11822	6	16	the	the	DET
fbem-11822	6	17	background	background	NOUN
fbem-11822	6	18	of	of	ADP
fbem-11822	6	19	the	the	DET
fbem-11822	6	20	rapid	rapid	ADJ
fbem-11822	6	21	development	development	NOUN
fbem-11822	6	22	of	of	ADP
fbem-11822	6	23	internet	internet	NOUN
fbem-11822	6	24	finance	finance	NOUN
fbem-11822	6	25	,	,	PUNCT
fbem-11822	6	26	the	the	DET
fbem-11822	6	27	marketization	marketization	NOUN
fbem-11822	6	28	of	of	ADP
fbem-11822	6	29	interest	interest	NOUN
fbem-11822	6	30	rates	rate	NOUN
fbem-11822	6	31	,	,	PUNCT
fbem-11822	6	32	and	and	CCONJ
fbem-11822	6	33	the	the	DET
fbem-11822	6	34	normalization	normalization	NOUN
fbem-11822	6	35	of	of	ADP
fbem-11822	6	36	the	the	DET
fbem-11822	6	37	epidemic	epidemic	NOUN
fbem-11822	6	38	situation	situation	NOUN
fbem-11822	6	39	,	,	PUNCT
fbem-11822	6	40	in	in	ADP
fbem-11822	6	41	the	the	DET
fbem-11822	6	42	past	past	NOUN
fbem-11822	6	43	,	,	PUNCT
fbem-11822	6	44	the	the	DET
fbem-11822	6	45	profit	profit	NOUN
fbem-11822	6	46	model	model	NOUN
fbem-11822	6	47	of	of	ADP
fbem-11822	6	48	interest	interest	NOUN
fbem-11822	6	49	margin	margin	NOUN
fbem-11822	6	50	as	as	ADP
fbem-11822	6	51	the	the	DET
fbem-11822	6	52	main	main	ADJ
fbem-11822	6	53	source	source	NOUN
fbem-11822	6	54	of	of	ADP
fbem-11822	6	55	income	income	NOUN
fbem-11822	6	56	,	,	PUNCT
fbem-11822	6	57	separate	separate	ADJ
fbem-11822	6	58	operation	operation	NOUN
fbem-11822	6	59	as	as	ADP
fbem-11822	6	60	the	the	DET
fbem-11822	6	61	main	main	ADJ
fbem-11822	6	62	mode	mode	NOUN
fbem-11822	6	63	of	of	ADP
fbem-11822	6	64	operation	operation	NOUN
fbem-11822	6	65	,	,	PUNCT
fbem-11822	6	66	and	and	CCONJ
fbem-11822	6	67	credit	credit	NOUN
fbem-11822	6	68	expansion	expansion	NOUN
fbem-11822	6	69	as	as	SCONJ
fbem-11822	6	70	the	the	DET
fbem-11822	6	71	main	main	ADJ
fbem-11822	6	72	business	business	NOUN
fbem-11822	6	73	needs	need	VERB
fbem-11822	6	74	to	to	PART
fbem-11822	6	75	be	be	AUX
fbem-11822	6	76	optimized	optimize	VERB
fbem-11822	6	77	.	.	PUNCT
fbem-11822	7	1	the	the	DET
fbem-11822	7	2	14th	14th	ADJ
fbem-11822	7	3	five	five	NUM
fbem-11822	7	4	-	-	PUNCT
fbem-11822	7	5	year	year	NOUN
fbem-11822	7	6	plan	plan	NOUN
fbem-11822	7	7	states	state	VERB
fbem-11822	7	8	that	that	SCONJ
fbem-11822	7	9	the	the	DET
fbem-11822	7	10	ability	ability	NOUN
fbem-11822	7	11	of	of	ADP
fbem-11822	7	12	commercial	commercial	ADJ
fbem-11822	7	13	banks	bank	NOUN
fbem-11822	7	14	to	to	PART
fbem-11822	7	15	serve	serve	VERB
fbem-11822	7	16	the	the	DET
fbem-11822	7	17	real	real	ADJ
fbem-11822	7	18	economy	economy	NOUN
fbem-11822	7	19	should	should	AUX
fbem-11822	7	20	be	be	AUX
fbem-11822	7	21	enhanced	enhance	VERB
fbem-11822	7	22	by	by	ADP
fbem-11822	7	23	giving	give	VERB
fbem-11822	7	24	full	full	ADJ
fbem-11822	7	25	play	play	NOUN
fbem-11822	7	26	to	to	ADP
fbem-11822	7	27	their	their	PRON
fbem-11822	7	28	capital	capital	NOUN
fbem-11822	7	29	allocation	allocation	NOUN
fbem-11822	7	30	functions	function	NOUN
fbem-11822	7	31	,	,	PUNCT
fbem-11822	7	32	as	as	ADV
fbem-11822	7	33	well	well	ADV
fbem-11822	7	34	as	as	ADP
fbem-11822	7	35	derivative	derivative	ADJ
fbem-11822	7	36	functions	function	NOUN
fbem-11822	7	37	such	such	ADJ
fbem-11822	7	38	as	as	ADP
fbem-11822	7	39	resource	resource	NOUN
fbem-11822	7	40	reallocation	reallocation	NOUN
fbem-11822	7	41	and	and	CCONJ
fbem-11822	7	42	risk	risk	NOUN
fbem-11822	7	43	dispersion	dispersion	NOUN
fbem-11822	7	44	,	,	PUNCT
fbem-11822	7	45	avoid	avoid	VERB
fbem-11822	7	46	capital	capital	NOUN
fbem-11822	7	47	from	from	ADP
fbem-11822	7	48	the	the	DET
fbem-11822	7	49	real	real	ADJ
fbem-11822	7	50	economy	economy	NOUN
fbem-11822	7	51	idling	idle	VERB
fbem-11822	7	52	,	,	PUNCT
fbem-11822	7	53	leading	lead	VERB
fbem-11822	7	54	to	to	ADP
fbem-11822	7	55	industrial	industrial	ADJ
fbem-11822	7	56	hollowing	hollowing	NOUN
fbem-11822	7	57	,	,	PUNCT
fbem-11822	7	58	financial	financial	ADJ
fbem-11822	7	59	bubbles	bubble	NOUN
fbem-11822	7	60	.	.	PUNCT
fbem-11822	8	1	(	(	PUNCT
fbem-11822	8	2	1	1	X
fbem-11822	8	3	)	)	PUNCT
fbem-11822	8	4	internet	internet	NOUN
fbem-11822	8	5	finance	finance	NOUN
fbem-11822	8	6	as	as	ADP
fbem-11822	8	7	a	a	DET
fbem-11822	8	8	new	new	ADJ
fbem-11822	8	9	form	form	NOUN
fbem-11822	8	10	of	of	ADP
fbem-11822	8	11	finance	finance	NOUN
fbem-11822	8	12	is	be	AUX
fbem-11822	8	13	rising	rise	VERB
fbem-11822	8	14	rapidly	rapidly	ADV
fbem-11822	8	15	internet	internet	NOUN
fbem-11822	8	16	finance	finance	NOUN
fbem-11822	8	17	,	,	PUNCT
fbem-11822	8	18	as	as	ADP
fbem-11822	8	19	the	the	DET
fbem-11822	8	20	third	third	ADJ
fbem-11822	8	21	financial	financial	ADJ
fbem-11822	8	22	financing	financing	NOUN
fbem-11822	8	23	mode	mode	NOUN
fbem-11822	8	24	which	which	PRON
fbem-11822	8	25	is	be	AUX
fbem-11822	8	26	different	different	ADJ
fbem-11822	8	27	from	from	ADP
fbem-11822	8	28	the	the	DET
fbem-11822	8	29	traditional	traditional	ADJ
fbem-11822	8	30	financial	financial	ADJ
fbem-11822	8	31	institutions	institution	NOUN
fbem-11822	8	32	and	and	CCONJ
fbem-11822	8	33	capital	capital	NOUN
fbem-11822	8	34	markets	market	NOUN
fbem-11822	8	35	,	,	PUNCT
fbem-11822	8	36	meets	meet	VERB
fbem-11822	8	37	the	the	DET
fbem-11822	8	38	needs	need	NOUN
fbem-11822	8	39	of	of	ADP
fbem-11822	8	40	people	people	NOUN
fbem-11822	8	41	who	who	PRON
fbem-11822	8	42	are	be	AUX
fbem-11822	8	43	different	different	ADJ
fbem-11822	8	44	from	from	ADP
fbem-11822	8	45	the	the	DET
fbem-11822	8	46	traditional	traditional	ADJ
fbem-11822	8	47	financial	financial	ADJ
fbem-11822	8	48	products	product	NOUN
fbem-11822	8	49	,	,	PUNCT
fbem-11822	8	50	and	and	CCONJ
fbem-11822	8	51	makes	make	VERB
fbem-11822	8	52	financial	financial	ADJ
fbem-11822	8	53	products	product	NOUN
fbem-11822	8	54	tailor	tailor	NOUN
fbem-11822	8	55	-	-	PUNCT
fbem-11822	8	56	made	make	VERB
fbem-11822	8	57	for	for	ADP
fbem-11822	8	58	the	the	DET
fbem-11822	8	59	long	long	ADJ
fbem-11822	8	60	tail	tail	NOUN
fbem-11822	8	61	customers	customer	NOUN
fbem-11822	8	62	through	through	ADP
fbem-11822	8	63	big	big	ADJ
fbem-11822	8	64	data	datum	NOUN
fbem-11822	8	65	,	,	PUNCT
fbem-11822	8	66	through	through	ADP
fbem-11822	8	67	the	the	DET
fbem-11822	8	68	data	datum	NOUN
fbem-11822	8	69	tracking	tracking	NOUN
fbem-11822	8	70	and	and	CCONJ
fbem-11822	8	71	push	push	NOUN
fbem-11822	8	72	mechanism	mechanism	NOUN
fbem-11822	8	73	,	,	PUNCT
fbem-11822	8	74	push	push	VERB
fbem-11822	8	75	the	the	DET
fbem-11822	8	76	business	business	NOUN
fbem-11822	8	77	to	to	ADP
fbem-11822	8	78	potential	potential	ADJ
fbem-11822	8	79	customers	customer	NOUN
fbem-11822	8	80	.	.	PUNCT
fbem-11822	9	1	the	the	DET
fbem-11822	9	2	development	development	NOUN
fbem-11822	9	3	of	of	ADP
fbem-11822	9	4	information	information	NOUN
fbem-11822	9	5	technology	technology	NOUN
fbem-11822	9	6	leads	lead	VERB
fbem-11822	9	7	to	to	ADP
fbem-11822	9	8	the	the	DET
fbem-11822	9	9	impact	impact	NOUN
fbem-11822	9	10	of	of	ADP
fbem-11822	9	11	internet	internet	NOUN
fbem-11822	9	12	finance	finance	NOUN
fbem-11822	9	13	on	on	ADP
fbem-11822	9	14	traditional	traditional	ADJ
fbem-11822	9	15	banking	banking	NOUN
fbem-11822	9	16	,	,	PUNCT
fbem-11822	9	17	which	which	PRON
fbem-11822	9	18	diverts	divert	VERB
fbem-11822	9	19	deposit	deposit	NOUN
fbem-11822	9	20	funds	fund	NOUN
fbem-11822	9	21	from	from	ADP
fbem-11822	9	22	traditional	traditional	ADJ
fbem-11822	9	23	banking	banking	NOUN
fbem-11822	9	24	and	and	CCONJ
fbem-11822	9	25	increases	increase	VERB
fbem-11822	9	26	the	the	DET
fbem-11822	9	27	cost	cost	NOUN
fbem-11822	9	28	of	of	ADP
fbem-11822	9	29	obtaining	obtain	VERB
fbem-11822	9	30	funds	fund	NOUN
fbem-11822	9	31	the	the	DET
fbem-11822	9	32	asset	asset	NOUN
fbem-11822	9	33	business	business	NOUN
fbem-11822	9	34	field	field	NOUN
fbem-11822	9	35	attracts	attract	VERB
fbem-11822	9	36	the	the	DET
fbem-11822	9	37	long	long	ADJ
fbem-11822	9	38	tail	tail	NOUN
fbem-11822	9	39	customers	customer	NOUN
fbem-11822	9	40	,	,	PUNCT
fbem-11822	9	41	which	which	PRON
fbem-11822	9	42	are	be	AUX
fbem-11822	9	43	neglected	neglect	VERB
fbem-11822	9	44	by	by	ADP
fbem-11822	9	45	the	the	DET
fbem-11822	9	46	traditional	traditional	ADJ
fbem-11822	9	47	banking	banking	NOUN
fbem-11822	9	48	industry	industry	NOUN
fbem-11822	9	49	,	,	PUNCT
fbem-11822	9	50	and	and	CCONJ
fbem-11822	9	51	its	its	PRON
fbem-11822	9	52	low	low	ADJ
fbem-11822	9	53	threshold	threshold	NOUN
fbem-11822	9	54	,	,	PUNCT
fbem-11822	9	55	all	all	DET
fbem-11822	9	56	-	-	PUNCT
fbem-11822	9	57	weather	weather	NOUN
fbem-11822	9	58	,	,	PUNCT
fbem-11822	9	59	huge	huge	ADJ
fbem-11822	9	60	amount	amount	NOUN
fbem-11822	9	61	of	of	ADP
fbem-11822	9	62	transactions	transaction	NOUN
fbem-11822	9	63	,	,	PUNCT
fbem-11822	9	64	small	small	ADJ
fbem-11822	9	65	single	single	ADJ
fbem-11822	9	66	transaction	transaction	NOUN
fbem-11822	9	67	and	and	CCONJ
fbem-11822	9	68	so	so	ADV
fbem-11822	9	69	on	on	ADP
fbem-11822	9	70	satisfy	satisfy	VERB
fbem-11822	9	71	the	the	DET
fbem-11822	9	72	diversified	diversify	VERB
fbem-11822	9	73	financing	financing	NOUN
fbem-11822	9	74	needs	need	NOUN
fbem-11822	9	75	of	of	ADP
fbem-11822	9	76	the	the	DET
fbem-11822	9	77	people	people	NOUN
fbem-11822	9	78	,	,	PUNCT
fbem-11822	9	79	and	and	CCONJ
fbem-11822	9	80	make	make	VERB
fbem-11822	9	81	up	up	ADP
fbem-11822	9	82	the	the	DET
fbem-11822	9	83	deficiency	deficiency	NOUN
fbem-11822	9	84	of	of	ADP
fbem-11822	9	85	the	the	DET
fbem-11822	9	86	traditional	traditional	ADJ
fbem-11822	9	87	banking	banking	NOUN
fbem-11822	9	88	industry	industry	NOUN
fbem-11822	9	89	the	the	DET
fbem-11822	9	90	profit	profit	NOUN
fbem-11822	9	91	structure	structure	NOUN
fbem-11822	9	92	squeezes	squeeze	VERB
fbem-11822	9	93	the	the	DET
fbem-11822	9	94	profit	profit	NOUN
fbem-11822	9	95	space	space	NOUN
fbem-11822	9	96	of	of	ADP
fbem-11822	9	97	the	the	DET
fbem-11822	9	98	banking	banking	NOUN
fbem-11822	9	99	industry	industry	NOUN
fbem-11822	9	100	,	,	PUNCT
fbem-11822	9	101	especially	especially	ADV
fbem-11822	9	102	the	the	DET
fbem-11822	9	103	commercial	commercial	ADJ
fbem-11822	9	104	banks	bank	NOUN
fbem-11822	9	105	whose	whose	DET
fbem-11822	9	106	main	main	ADJ
fbem-11822	9	107	profit	profit	NOUN
fbem-11822	9	108	mode	mode	NOUN
fbem-11822	9	109	is	be	AUX
fbem-11822	9	110	credit	credit	NOUN
fbem-11822	9	111	business	business	NOUN
fbem-11822	9	112	,	,	PUNCT
fbem-11822	9	113	forcing	force	VERB
fbem-11822	9	114	a	a	DET
fbem-11822	9	115	shift	shift	NOUN
fbem-11822	9	116	in	in	ADP
fbem-11822	9	117	its	its	PRON
fbem-11822	9	118	profit	profit	NOUN
fbem-11822	9	119	model	model	NOUN
fbem-11822	9	120	.	.	PUNCT
fbem-11822	10	1	before	before	ADP
fbem-11822	10	2	2005	2005	NUM
fbem-11822	10	3	,	,	PUNCT
fbem-11822	10	4	internet	internet	NOUN
fbem-11822	10	5	finance	finance	NOUN
fbem-11822	10	6	mainly	mainly	ADV
fbem-11822	10	7	reflected	reflect	VERB
fbem-11822	10	8	in	in	ADP
fbem-11822	10	9	the	the	DET
fbem-11822	10	10	provision	provision	NOUN
fbem-11822	10	11	of	of	ADP
fbem-11822	10	12	network	network	NOUN
fbem-11822	10	13	technology	technology	NOUN
fbem-11822	10	14	services	service	NOUN
fbem-11822	10	15	for	for	ADP
fbem-11822	10	16	financial	financial	ADJ
fbem-11822	10	17	institutions	institution	NOUN
fbem-11822	10	18	.	.	PUNCT
fbem-11822	11	1	with	with	ADP
fbem-11822	11	2	the	the	DET
fbem-11822	11	3	birth	birth	NOUN
fbem-11822	11	4	of	of	ADP
fbem-11822	11	5	alipay	alipay	PROPN
fbem-11822	11	6	and	and	CCONJ
fbem-11822	11	7	other	other	ADJ
fbem-11822	11	8	third	third	ADJ
fbem-11822	11	9	-	-	PUNCT
fbem-11822	11	10	party	party	NOUN
fbem-11822	11	11	payment	payment	NOUN
fbem-11822	11	12	platforms	platform	NOUN
fbem-11822	11	13	,	,	PUNCT
fbem-11822	11	14	internet	internet	NOUN
fbem-11822	11	15	finance	finance	NOUN
fbem-11822	11	16	gradually	gradually	ADV
fbem-11822	11	17	from	from	ADP
fbem-11822	11	18	the	the	DET
fbem-11822	11	19	technical	technical	ADJ
fbem-11822	11	20	field	field	NOUN
fbem-11822	11	21	into	into	ADP
fbem-11822	11	22	the	the	DET
fbem-11822	11	23	business	business	NOUN
fbem-11822	11	24	field	field	NOUN
fbem-11822	11	25	,	,	PUNCT
fbem-11822	11	26	online	online	ADJ
fbem-11822	11	27	lending	lending	NOUN
fbem-11822	11	28	platforms	platform	NOUN
fbem-11822	11	29	,	,	PUNCT
fbem-11822	11	30	crowdfunding	crowdfunding	NOUN
fbem-11822	11	31	and	and	CCONJ
fbem-11822	11	32	other	other	ADJ
fbem-11822	11	33	emerging	emerge	VERB
fbem-11822	11	34	forms	form	NOUN
fbem-11822	11	35	of	of	ADP
fbem-11822	11	36	network	network	NOUN
fbem-11822	11	37	finance	finance	NOUN
fbem-11822	11	38	have	have	AUX
fbem-11822	11	39	emerged	emerge	VERB
fbem-11822	11	40	.	.	PUNCT
fbem-11822	12	1	the	the	DET
fbem-11822	12	2	birth	birth	NOUN
fbem-11822	12	3	of	of	ADP
fbem-11822	12	4	p2p	p2p	NOUN
fbem-11822	12	5	online	online	ADJ
fbem-11822	12	6	lending	lending	NOUN
fbem-11822	12	7	in	in	ADP
fbem-11822	12	8	2007	2007	NUM
fbem-11822	12	9	marked	mark	VERB
fbem-11822	12	10	a	a	DET
fbem-11822	12	11	new	new	ADJ
fbem-11822	12	12	stage	stage	NOUN
fbem-11822	12	13	in	in	ADP
fbem-11822	12	14	the	the	DET
fbem-11822	12	15	development	development	NOUN
fbem-11822	12	16	of	of	ADP
fbem-11822	12	17	internet	internet	NOUN
fbem-11822	12	18	finance	finance	NOUN
fbem-11822	12	19	.	.	PUNCT
fbem-11822	13	1	in	in	ADP
fbem-11822	13	2	2013	2013	NUM
fbem-11822	13	3	,	,	PUNCT
fbem-11822	13	4	the	the	DET
fbem-11822	13	5	people	people	NOUN
fbem-11822	13	6	's	's	PART
fbem-11822	13	7	bank	bank	PROPN
fbem-11822	13	8	of	of	ADP
fbem-11822	13	9	china	china	PROPN
fbem-11822	13	10	issued	issue	VERB
fbem-11822	13	11	a	a	DET
fbem-11822	13	12	monetary	monetary	ADJ
fbem-11822	13	13	policy	policy	NOUN
fbem-11822	13	14	implementation	implementation	NOUN
fbem-11822	13	15	report	report	NOUN
fbem-11822	13	16	,	,	PUNCT
fbem-11822	13	17	stating	state	VERB
fbem-11822	13	18	that	that	SCONJ
fbem-11822	13	19	for	for	ADP
fbem-11822	13	20	the	the	DET
fbem-11822	13	21	first	first	ADJ
fbem-11822	13	22	time	time	NOUN
fbem-11822	13	23	,	,	PUNCT
fbem-11822	13	24	internet	internet	NOUN
fbem-11822	13	25	finance	finance	NOUN
fbem-11822	13	26	provides	provide	VERB
fbem-11822	13	27	a	a	DET
fbem-11822	13	28	new	new	ADJ
fbem-11822	13	29	channel	channel	NOUN
fbem-11822	13	30	between	between	ADP
fbem-11822	13	31	the	the	DET
fbem-11822	13	32	capital	capital	NOUN
fbem-11822	13	33	demander	demander	NOUN
fbem-11822	13	34	and	and	CCONJ
fbem-11822	13	35	the	the	DET
fbem-11822	13	36	capital	capital	NOUN
fbem-11822	13	37	supplier	supplier	NOUN
fbem-11822	13	38	,	,	PUNCT
fbem-11822	13	39	which	which	PRON
fbem-11822	13	40	is	be	AUX
fbem-11822	13	41	different	different	ADJ
fbem-11822	13	42	from	from	ADP
fbem-11822	13	43	the	the	DET
fbem-11822	13	44	traditional	traditional	ADJ
fbem-11822	13	45	banking	banking	NOUN
fbem-11822	13	46	and	and	CCONJ
fbem-11822	13	47	securities	security	NOUN
fbem-11822	13	48	markets	market	NOUN
fbem-11822	13	49	,	,	PUNCT
fbem-11822	13	50	and	and	CCONJ
fbem-11822	13	51	is	be	AUX
fbem-11822	13	52	a	a	DET
fbem-11822	13	53	useful	useful	ADJ
fbem-11822	13	54	complement	complement	NOUN
fbem-11822	13	55	to	to	ADP
fbem-11822	13	56	the	the	DET
fbem-11822	13	57	existing	exist	VERB
fbem-11822	13	58	financial	financial	ADJ
fbem-11822	13	59	system	system	NOUN
fbem-11822	13	60	.	.	PUNCT
fbem-11822	14	1	in	in	ADP
fbem-11822	14	2	2015	2015	NUM
fbem-11822	14	3	,	,	PUNCT
fbem-11822	14	4	the	the	DET
fbem-11822	14	5	people	people	NOUN
fbem-11822	14	6	's	's	PART
fbem-11822	14	7	bank	bank	PROPN
fbem-11822	14	8	of	of	ADP
fbem-11822	14	9	china	china	PROPN
fbem-11822	14	10	further	further	PROPN
fbem-11822	14	11	ministry	ministry	PROPN
fbem-11822	14	12	of	of	ADP
fbem-11822	14	13	industry	industry	NOUN
fbem-11822	14	14	and	and	CCONJ
fbem-11822	14	15	information	information	NOUN
fbem-11822	14	16	technology	technology	NOUN
fbem-11822	14	17	of	of	ADP
fbem-11822	14	18	the	the	DET
fbem-11822	14	19	people	people	NOUN
fbem-11822	14	20	's	's	PART
fbem-11822	14	21	republic	republic	NOUN
fbem-11822	14	22	of	of	ADP
fbem-11822	14	23	china	china	PROPN
fbem-11822	14	24	with	with	ADP
fbem-11822	14	25	10	10	NUM
fbem-11822	14	26	other	other	ADJ
fbem-11822	14	27	ministries	ministry	NOUN
fbem-11822	14	28	and	and	CCONJ
fbem-11822	14	29	commissions	commission	NOUN
fbem-11822	14	30	to	to	PART
fbem-11822	14	31	issue	issue	VERB
fbem-11822	14	32	the	the	DET
fbem-11822	14	33	guiding	guide	VERB
fbem-11822	14	34	opinions	opinion	NOUN
fbem-11822	14	35	on	on	ADP
fbem-11822	14	36	promoting	promote	VERB
fbem-11822	14	37	the	the	DET
fbem-11822	14	38	healthy	healthy	ADJ
fbem-11822	14	39	development	development	NOUN
fbem-11822	14	40	of	of	ADP
fbem-11822	14	41	internet	internet	NOUN
fbem-11822	14	42	finance	finance	NOUN
fbem-11822	14	43	,	,	PUNCT
fbem-11822	14	44	marking	mark	VERB
fbem-11822	14	45	the	the	DET
fbem-11822	14	46	rise	rise	NOUN
fbem-11822	14	47	of	of	ADP
fbem-11822	14	48	internet	internet	NOUN
fbem-11822	14	49	finance	finance	NOUN
fbem-11822	14	50	to	to	ADP
fbem-11822	14	51	the	the	DET
fbem-11822	14	52	level	level	NOUN
fbem-11822	14	53	of	of	ADP
fbem-11822	14	54	a	a	DET
fbem-11822	14	55	national	national	ADJ
fbem-11822	14	56	strategy	strategy	NOUN
fbem-11822	14	57	.	.	PUNCT
fbem-11822	15	1	in	in	ADP
fbem-11822	15	2	2018	2018	NUM
fbem-11822	15	3	,	,	PUNCT
fbem-11822	15	4	regulatory	regulatory	ADJ
fbem-11822	15	5	documents	document	NOUN
fbem-11822	15	6	such	such	ADJ
fbem-11822	15	7	as	as	ADP
fbem-11822	15	8	the	the	DET
fbem-11822	15	9	implementation	implementation	NOUN
fbem-11822	15	10	plan	plan	NOUN
fbem-11822	15	11	for	for	ADP
fbem-11822	15	12	special	special	ADJ
fbem-11822	15	13	regulation	regulation	NOUN
fbem-11822	15	14	of	of	ADP
fbem-11822	15	15	internet	internet	NOUN
fbem-11822	15	16	financial	financial	ADJ
fbem-11822	15	17	risks	risk	NOUN
fbem-11822	15	18	appeared	appear	VERB
fbem-11822	15	19	frequently	frequently	ADV
fbem-11822	15	20	,	,	PUNCT
fbem-11822	15	21	marking	mark	VERB
fbem-11822	15	22	the	the	DET
fbem-11822	15	23	stage	stage	NOUN
fbem-11822	15	24	of	of	ADP
fbem-11822	15	25	regulation	regulation	NOUN
fbem-11822	15	26	of	of	ADP
fbem-11822	15	27	internet	internet	NOUN
fbem-11822	15	28	finance	finance	NOUN
fbem-11822	15	29	.	.	PUNCT
fbem-11822	16	1	since	since	SCONJ
fbem-11822	16	2	2020	2020	NUM
fbem-11822	16	3	,	,	PUNCT
fbem-11822	16	4	when	when	SCONJ
fbem-11822	16	5	the	the	DET
fbem-11822	16	6	epidemic	epidemic	NOUN
fbem-11822	16	7	brought	bring	VERB
fbem-11822	16	8	about	about	ADP
fbem-11822	16	9	a	a	DET
fbem-11822	16	10	surge	surge	NOUN
fbem-11822	16	11	in	in	ADP
fbem-11822	16	12	online	online	ADJ
fbem-11822	16	13	transactions	transaction	NOUN
fbem-11822	16	14	and	and	CCONJ
fbem-11822	16	15	a	a	DET
fbem-11822	16	16	boom	boom	NOUN
fbem-11822	16	17	in	in	ADP
fbem-11822	16	18	the	the	DET
fbem-11822	16	19	online	online	ADJ
fbem-11822	16	20	economy	economy	NOUN
fbem-11822	16	21	,	,	PUNCT
fbem-11822	16	22	internet	internet	NOUN
fbem-11822	16	23	finance	finance	NOUN
fbem-11822	16	24	has	have	AUX
fbem-11822	16	25	entered	enter	VERB
fbem-11822	16	26	a	a	DET
fbem-11822	16	27	new	new	ADJ
fbem-11822	16	28	stage	stage	NOUN
fbem-11822	16	29	of	of	ADP
fbem-11822	16	30	development	development	NOUN
fbem-11822	16	31	.	.	PUNCT
fbem-11822	17	1	(	(	PUNCT
fbem-11822	17	2	2	2	X
fbem-11822	17	3	)	)	PUNCT
fbem-11822	17	4	the	the	DET
fbem-11822	17	5	development	development	NOUN
fbem-11822	17	6	of	of	ADP
fbem-11822	17	7	internet	internet	NOUN
fbem-11822	17	8	finance	finance	NOUN
fbem-11822	17	9	brings	bring	VERB
fbem-11822	17	10	new	new	ADJ
fbem-11822	17	11	opportunities	opportunity	NOUN
fbem-11822	17	12	and	and	CCONJ
fbem-11822	17	13	challenges	challenge	NOUN
fbem-11822	17	14	to	to	ADP
fbem-11822	17	15	commercial	commercial	ADJ
fbem-11822	17	16	banks	bank	NOUN
fbem-11822	17	17	internet	internet	NOUN
fbem-11822	17	18	finance	finance	NOUN
fbem-11822	17	19	breaks	break	VERB
fbem-11822	17	20	down	down	ADP
fbem-11822	17	21	the	the	DET
fbem-11822	17	22	financial	financial	ADJ
fbem-11822	17	23	boundary	boundary	NOUN
fbem-11822	17	24	and	and	CCONJ
fbem-11822	17	25	industry	industry	NOUN
fbem-11822	17	26	barrier	barrier	NOUN
fbem-11822	17	27	.	.	PUNCT
fbem-11822	18	1	the	the	DET
fbem-11822	18	2	competition	competition	NOUN
fbem-11822	18	3	of	of	ADP
fbem-11822	18	4	enterprises	enterprise	NOUN
fbem-11822	18	5	in	in	ADP
fbem-11822	18	6	the	the	DET
fbem-11822	18	7	past	past	NOUN
fbem-11822	18	8	is	be	AUX
fbem-11822	18	9	upgraded	upgrade	VERB
fbem-11822	18	10	to	to	ADP
fbem-11822	18	11	industry	industry	NOUN
fbem-11822	18	12	competition	competition	NOUN
fbem-11822	18	13	,	,	PUNCT
fbem-11822	18	14	and	and	CCONJ
fbem-11822	18	15	will	will	AUX
fbem-11822	18	16	be	be	AUX
fbem-11822	18	17	upgraded	upgrade	VERB
fbem-11822	18	18	to	to	ADP
fbem-11822	18	19	ecological	ecological	ADJ
fbem-11822	18	20	competition	competition	NOUN
fbem-11822	18	21	in	in	ADP
fbem-11822	18	22	the	the	DET
fbem-11822	18	23	future	future	NOUN
fbem-11822	18	24	,	,	PUNCT
fbem-11822	18	25	no	no	ADV
fbem-11822	18	26	longer	long	ADV
fbem-11822	18	27	tied	tie	VERB
fbem-11822	18	28	to	to	ADP
fbem-11822	18	29	the	the	DET
fbem-11822	18	30	established	establish	VERB
fbem-11822	18	31	service	service	NOUN
fbem-11822	18	32	relationship	relationship	NOUN
fbem-11822	18	33	.	.	PUNCT
fbem-11822	19	1	financial	financial	ADJ
fbem-11822	19	2	service	service	NOUN
fbem-11822	19	3	is	be	AUX
fbem-11822	19	4	no	no	ADV
fbem-11822	19	5	longer	long	ADV
fbem-11822	19	6	a	a	DET
fbem-11822	19	7	passive	passive	ADJ
fbem-11822	19	8	service	service	NOUN
fbem-11822	19	9	to	to	PART
fbem-11822	19	10	meet	meet	VERB
fbem-11822	19	11	customer	customer	NOUN
fbem-11822	19	12	needs	need	NOUN
fbem-11822	19	13	,	,	PUNCT
fbem-11822	19	14	it	it	PRON
fbem-11822	19	15	needs	need	VERB
fbem-11822	19	16	financial	financial	ADJ
fbem-11822	19	17	institutions	institution	NOUN
fbem-11822	19	18	and	and	CCONJ
fbem-11822	19	19	practitioners	practitioner	NOUN
fbem-11822	19	20	to	to	PART
fbem-11822	19	21	actively	actively	ADV
fbem-11822	19	22	tap	tap	VERB
fbem-11822	19	23	and	and	CCONJ
fbem-11822	19	24	create	create	VERB
fbem-11822	19	25	customer	customer	NOUN
fbem-11822	19	26	needs	need	NOUN
fbem-11822	19	27	.	.	PUNCT
fbem-11822	20	1	internet	internet	NOUN
fbem-11822	20	2	finance	finance	NOUN
fbem-11822	20	3	not	not	PART
fbem-11822	20	4	only	only	ADV
fbem-11822	20	5	makes	make	VERB
fbem-11822	20	6	up	up	ADP
fbem-11822	20	7	for	for	ADP
fbem-11822	20	8	the	the	DET
fbem-11822	20	9	deficiency	deficiency	NOUN
fbem-11822	20	10	of	of	ADP
fbem-11822	20	11	commercial	commercial	ADJ
fbem-11822	20	12	banks	bank	NOUN
fbem-11822	20	13	,	,	PUNCT
fbem-11822	20	14	but	but	CCONJ
fbem-11822	20	15	also	also	ADV
fbem-11822	20	16	is	be	AUX
fbem-11822	20	17	a	a	DET
fbem-11822	20	18	strong	strong	ADJ
fbem-11822	20	19	competitor	competitor	NOUN
fbem-11822	20	20	of	of	ADP
fbem-11822	20	21	commercial	commercial	ADJ
fbem-11822	20	22	banks	bank	NOUN
fbem-11822	20	23	.	.	PUNCT
fbem-11822	21	1	on	on	ADP
fbem-11822	21	2	the	the	DET
fbem-11822	21	3	one	one	NUM
fbem-11822	21	4	hand	hand	NOUN
fbem-11822	21	5	,	,	PUNCT
fbem-11822	21	6	the	the	DET
fbem-11822	21	7	internet	internet	NOUN
fbem-11822	21	8	finance	finance	NOUN
fbem-11822	21	9	concentrates	concentrate	VERB
fbem-11822	21	10	on	on	ADP
fbem-11822	21	11	the	the	DET
fbem-11822	21	12	long	long	ADJ
fbem-11822	21	13	tail	tail	NOUN
fbem-11822	21	14	small	small	ADJ
fbem-11822	21	15	market	market	NOUN
fbem-11822	21	16	which	which	PRON
fbem-11822	21	17	the	the	DET
fbem-11822	21	18	traditional	traditional	ADJ
fbem-11822	21	19	commercial	commercial	ADJ
fbem-11822	21	20	banks	bank	NOUN
fbem-11822	21	21	neglect	neglect	NOUN
fbem-11822	21	22	,	,	PUNCT
fbem-11822	21	23	reduces	reduce	VERB
fbem-11822	21	24	the	the	DET
fbem-11822	21	25	entry	entry	NOUN
fbem-11822	21	26	threshold	threshold	NOUN
fbem-11822	21	27	of	of	ADP
fbem-11822	21	28	the	the	DET
fbem-11822	21	29	financial	financial	ADJ
fbem-11822	21	30	industry	industry	NOUN
fbem-11822	21	31	,	,	PUNCT
fbem-11822	21	32	meets	meet	VERB
fbem-11822	21	33	the	the	DET
fbem-11822	21	34	diversified	diversify	VERB
fbem-11822	21	35	financing	financing	NOUN
fbem-11822	21	36	demand	demand	NOUN
fbem-11822	21	37	,	,	PUNCT
fbem-11822	21	38	and	and	CCONJ
fbem-11822	21	39	makes	make	VERB
fbem-11822	21	40	up	up	ADP
fbem-11822	21	41	the	the	DET
fbem-11822	21	42	deficiency	deficiency	NOUN
fbem-11822	21	43	of	of	ADP
fbem-11822	21	44	the	the	DET
fbem-11822	21	45	traditional	traditional	ADJ
fbem-11822	21	46	commercial	commercial	ADJ
fbem-11822	21	47	banks	bank	NOUN
fbem-11822	21	48	,	,	PUNCT
fbem-11822	21	49	to	to	PART
fbem-11822	21	50	meet	meet	VERB
fbem-11822	21	51	the	the	DET
fbem-11822	21	52	diversified	diversify	VERB
fbem-11822	21	53	investment	investment	NOUN
fbem-11822	21	54	needs	need	NOUN
fbem-11822	21	55	of	of	ADP
fbem-11822	21	56	the	the	DET
fbem-11822	21	57	people	people	NOUN
fbem-11822	21	58	.	.	PUNCT
fbem-11822	22	1	on	on	ADP
fbem-11822	22	2	the	the	DET
fbem-11822	22	3	other	other	ADJ
fbem-11822	22	4	hand	hand	NOUN
fbem-11822	22	5	,	,	PUNCT
fbem-11822	22	6	internet	internet	NOUN
fbem-11822	22	7	finance	finance	NOUN
fbem-11822	22	8	can	can	AUX
fbem-11822	22	9	reduce	reduce	VERB
fbem-11822	22	10	the	the	DET
fbem-11822	22	11	interest	interest	NOUN
fbem-11822	22	12	margin	margin	NOUN
fbem-11822	22	13	of	of	ADP
fbem-11822	22	14	commercial	commercial	ADJ
fbem-11822	22	15	banks	bank	NOUN
fbem-11822	22	16	by	by	ADP
fbem-11822	22	17	diverting	divert	VERB
fbem-11822	22	18	their	their	PRON
fbem-11822	22	19	customers	customer	NOUN
fbem-11822	22	20	,	,	PUNCT
fbem-11822	22	21	squeezing	squeeze	VERB
fbem-11822	22	22	the	the	DET
fbem-11822	22	23	scale	scale	NOUN
fbem-11822	22	24	of	of	ADP
fbem-11822	22	25	deposit	deposit	NOUN
fbem-11822	22	26	and	and	CCONJ
fbem-11822	22	27	loan	loan	NOUN
fbem-11822	22	28	business	business	NOUN
fbem-11822	22	29	,	,	PUNCT
fbem-11822	22	30	and	and	CCONJ
fbem-11822	22	31	raising	raise	VERB
fbem-11822	22	32	the	the	DET
fbem-11822	22	33	cost	cost	NOUN
fbem-11822	22	34	of	of	ADP
fbem-11822	22	35	capital	capital	NOUN
fbem-11822	22	36	.	.	PUNCT
fbem-11822	23	1	102	102	NUM
fbem-11822	23	2	therefore	therefore	ADV
fbem-11822	23	3	,	,	PUNCT
fbem-11822	23	4	under	under	ADP
fbem-11822	23	5	the	the	DET
fbem-11822	23	6	impact	impact	NOUN
fbem-11822	23	7	of	of	ADP
fbem-11822	23	8	the	the	DET
fbem-11822	23	9	booming	booming	ADJ
fbem-11822	23	10	internet	internet	NOUN
fbem-11822	23	11	finance	finance	NOUN
fbem-11822	23	12	,	,	PUNCT
fbem-11822	23	13	the	the	DET
fbem-11822	23	14	commercial	commercial	ADJ
fbem-11822	23	15	banks	bank	NOUN
fbem-11822	23	16	of	of	ADP
fbem-11822	23	17	our	our	PRON
fbem-11822	23	18	country	country	NOUN
fbem-11822	23	19	must	must	AUX
fbem-11822	23	20	face	face	VERB
fbem-11822	23	21	up	up	ADP
fbem-11822	23	22	to	to	ADP
fbem-11822	23	23	the	the	DET
fbem-11822	23	24	internet	internet	NOUN
fbem-11822	23	25	finance	finance	NOUN
fbem-11822	23	26	and	and	CCONJ
fbem-11822	23	27	judge	judge	VERB
fbem-11822	23	28	whether	whether	SCONJ
fbem-11822	23	29	their	their	PRON
fbem-11822	23	30	profit	profit	NOUN
fbem-11822	23	31	model	model	NOUN
fbem-11822	23	32	matches	match	VERB
fbem-11822	23	33	the	the	DET
fbem-11822	23	34	current	current	ADJ
fbem-11822	23	35	market	market	NOUN
fbem-11822	23	36	environment	environment	NOUN
fbem-11822	23	37	and	and	CCONJ
fbem-11822	23	38	their	their	PRON
fbem-11822	23	39	own	own	ADJ
fbem-11822	23	40	development	development	NOUN
fbem-11822	23	41	,	,	PUNCT
fbem-11822	23	42	once	once	SCONJ
fbem-11822	23	43	the	the	DET
fbem-11822	23	44	mismatch	mismatch	NOUN
fbem-11822	23	45	should	should	AUX
fbem-11822	23	46	actively	actively	ADV
fbem-11822	23	47	adjust	adjust	VERB
fbem-11822	23	48	the	the	DET
fbem-11822	23	49	profit	profit	NOUN
fbem-11822	23	50	model	model	NOUN
fbem-11822	23	51	to	to	PART
fbem-11822	23	52	deal	deal	VERB
fbem-11822	23	53	with	with	ADP
fbem-11822	23	54	the	the	DET
fbem-11822	23	55	changing	change	VERB
fbem-11822	23	56	financial	financial	ADJ
fbem-11822	23	57	market	market	NOUN
fbem-11822	23	58	,	,	PUNCT
fbem-11822	23	59	in	in	ADP
fbem-11822	23	60	the	the	DET
fbem-11822	23	61	context	context	NOUN
fbem-11822	23	62	of	of	ADP
fbem-11822	23	63	internet	internet	NOUN
fbem-11822	23	64	finance	finance	NOUN
fbem-11822	23	65	to	to	PART
fbem-11822	23	66	find	find	VERB
fbem-11822	23	67	a	a	DET
fbem-11822	23	68	new	new	ADJ
fbem-11822	23	69	profit	profit	NOUN
fbem-11822	23	70	growth	growth	NOUN
fbem-11822	23	71	point	point	NOUN
fbem-11822	23	72	.	.	PUNCT
fbem-11822	24	1	internet	internet	NOUN
fbem-11822	24	2	finance	finance	NOUN
fbem-11822	24	3	is	be	AUX
fbem-11822	24	4	characterized	characterize	VERB
fbem-11822	24	5	by	by	ADP
fbem-11822	24	6	a	a	DET
fbem-11822	24	7	large	large	ADJ
fbem-11822	24	8	number	number	NOUN
fbem-11822	24	9	of	of	ADP
fbem-11822	24	10	transactions	transaction	NOUN
fbem-11822	24	11	,	,	PUNCT
fbem-11822	24	12	small	small	ADJ
fbem-11822	24	13	single	single	ADJ
fbem-11822	24	14	transaction	transaction	NOUN
fbem-11822	24	15	,	,	PUNCT
fbem-11822	24	16	all	all	DET
fbem-11822	24	17	-	-	PUNCT
fbem-11822	24	18	weather	weather	NOUN
fbem-11822	24	19	,	,	PUNCT
fbem-11822	24	20	all	all	PRON
fbem-11822	24	21	-	-	PUNCT
fbem-11822	24	22	round	round	ADJ
fbem-11822	24	23	,	,	PUNCT
fbem-11822	24	24	one	one	NUM
fbem-11822	24	25	-	-	PUNCT
fbem-11822	24	26	stop	stop	NOUN
fbem-11822	24	27	,	,	PUNCT
fbem-11822	24	28	if	if	SCONJ
fbem-11822	24	29	commercial	commercial	ADJ
fbem-11822	24	30	banks	bank	NOUN
fbem-11822	24	31	can	can	AUX
fbem-11822	24	32	refer	refer	VERB
fbem-11822	24	33	to	to	ADP
fbem-11822	24	34	its	its	PRON
fbem-11822	24	35	development	development	NOUN
fbem-11822	24	36	model	model	NOUN
fbem-11822	24	37	,	,	PUNCT
fbem-11822	24	38	rely	rely	VERB
fbem-11822	24	39	on	on	ADP
fbem-11822	24	40	the	the	DET
fbem-11822	24	41	way	way	NOUN
fbem-11822	24	42	to	to	PART
fbem-11822	24	43	build	build	VERB
fbem-11822	24	44	an	an	DET
fbem-11822	24	45	internet	internet	NOUN
fbem-11822	24	46	platform	platform	NOUN
fbem-11822	24	47	to	to	PART
fbem-11822	24	48	speed	speed	VERB
fbem-11822	24	49	up	up	ADP
fbem-11822	24	50	the	the	DET
fbem-11822	24	51	use	use	NOUN
fbem-11822	24	52	of	of	ADP
fbem-11822	24	53	funds	fund	NOUN
fbem-11822	24	54	,	,	PUNCT
fbem-11822	24	55	reduce	reduce	VERB
fbem-11822	24	56	the	the	DET
fbem-11822	24	57	precipitation	precipitation	NOUN
fbem-11822	24	58	of	of	ADP
fbem-11822	24	59	funds	fund	NOUN
fbem-11822	24	60	or	or	CCONJ
fbem-11822	24	61	by	by	ADP
fbem-11822	24	62	digging	dig	VERB
fbem-11822	24	63	deep	deep	ADV
fbem-11822	24	64	into	into	ADP
fbem-11822	24	65	the	the	DET
fbem-11822	24	66	value	value	NOUN
fbem-11822	24	67	of	of	ADP
fbem-11822	24	68	data	datum	NOUN
fbem-11822	24	69	to	to	PART
fbem-11822	24	70	understand	understand	VERB
fbem-11822	24	71	the	the	DET
fbem-11822	24	72	customer	customer	NOUN
fbem-11822	24	73	,	,	PUNCT
fbem-11822	24	74	and	and	CCONJ
fbem-11822	24	75	then	then	ADV
fbem-11822	24	76	develop	develop	VERB
fbem-11822	24	77	accurate	accurate	ADJ
fbem-11822	24	78	products	product	NOUN
fbem-11822	24	79	to	to	PART
fbem-11822	24	80	broaden	broaden	VERB
fbem-11822	24	81	the	the	DET
fbem-11822	24	82	scope	scope	NOUN
fbem-11822	24	83	of	of	ADP
fbem-11822	24	84	services	service	NOUN
fbem-11822	24	85	,	,	PUNCT
fbem-11822	24	86	seek	seek	VERB
fbem-11822	24	87	survival	survival	NOUN
fbem-11822	24	88	and	and	CCONJ
fbem-11822	24	89	development	development	NOUN
fbem-11822	24	90	in	in	ADP
fbem-11822	24	91	the	the	DET
fbem-11822	24	92	new	new	ADJ
fbem-11822	24	93	economic	economic	ADJ
fbem-11822	24	94	normal	normal	ADJ
fbem-11822	24	95	.	.	PUNCT
fbem-11822	25	1	2	2	X
fbem-11822	25	2	.	.	X
fbem-11822	25	3	internet	internet	NOUN
fbem-11822	25	4	finance	finance	NOUN
fbem-11822	25	5	literature	literature	NOUN
fbem-11822	25	6	carding	card	VERB
fbem-11822	25	7	and	and	CCONJ
fbem-11822	25	8	analysis	analysis	NOUN
fbem-11822	25	9	2.1	2.1	NUM
fbem-11822	25	10	.	.	PUNCT
fbem-11822	26	1	definition	definition	NOUN
fbem-11822	26	2	of	of	ADP
fbem-11822	26	3	internet	internet	NOUN
fbem-11822	26	4	finance	finance	NOUN
fbem-11822	26	5	internet	internet	NOUN
fbem-11822	26	6	finance	finance	NOUN
fbem-11822	26	7	,	,	PUNCT
fbem-11822	26	8	also	also	ADV
fbem-11822	26	9	known	know	VERB
fbem-11822	26	10	as	as	ADP
fbem-11822	26	11	new	new	ADJ
fbem-11822	26	12	finance	finance	NOUN
fbem-11822	26	13	,	,	PUNCT
fbem-11822	26	14	financial	financial	ADJ
fbem-11822	26	15	technology	technology	NOUN
fbem-11822	26	16	,	,	PUNCT
fbem-11822	26	17	digital	digital	ADJ
fbem-11822	26	18	finance	finance	NOUN
fbem-11822	26	19	.	.	PUNCT
fbem-11822	27	1	it	it	PRON
fbem-11822	27	2	is	be	AUX
fbem-11822	27	3	an	an	DET
fbem-11822	27	4	entirely	entirely	ADV
fbem-11822	27	5	new	new	ADJ
fbem-11822	27	6	model	model	NOUN
fbem-11822	27	7	of	of	ADP
fbem-11822	27	8	financial	financial	ADJ
fbem-11822	27	9	services	service	NOUN
fbem-11822	27	10	that	that	PRON
fbem-11822	27	11	is	be	AUX
fbem-11822	27	12	different	different	ADJ
fbem-11822	27	13	from	from	ADP
fbem-11822	27	14	traditional	traditional	ADJ
fbem-11822	27	15	financial	financial	ADJ
fbem-11822	27	16	services	service	NOUN
fbem-11822	27	17	.	.	PUNCT
fbem-11822	28	1	it	it	PRON
fbem-11822	28	2	is	be	AUX
fbem-11822	28	3	a	a	DET
fbem-11822	28	4	financial	financial	ADJ
fbem-11822	28	5	activity	activity	NOUN
fbem-11822	28	6	based	base	VERB
fbem-11822	28	7	on	on	ADP
fbem-11822	28	8	information	information	NOUN
fbem-11822	28	9	technologies	technology	NOUN
fbem-11822	28	10	such	such	ADJ
fbem-11822	28	11	as	as	ADP
fbem-11822	28	12	big	big	ADJ
fbem-11822	28	13	data	datum	NOUN
fbem-11822	28	14	,	,	PUNCT
fbem-11822	28	15	mobile	mobile	ADJ
fbem-11822	28	16	payments	payment	NOUN
fbem-11822	28	17	and	and	CCONJ
fbem-11822	28	18	cloud	cloud	NOUN
fbem-11822	28	19	computing	computing	NOUN
fbem-11822	28	20	and	and	CCONJ
fbem-11822	28	21	carried	carry	VERB
fbem-11822	28	22	out	out	ADP
fbem-11822	28	23	by	by	ADP
fbem-11822	28	24	means	mean	NOUN
fbem-11822	28	25	of	of	ADP
fbem-11822	28	26	the	the	DET
fbem-11822	28	27	internet	internet	NOUN
fbem-11822	28	28	and	and	CCONJ
fbem-11822	28	29	mobile	mobile	ADJ
fbem-11822	28	30	communications	communication	NOUN
fbem-11822	28	31	.	.	PUNCT
fbem-11822	29	1	berger	berger	PROPN
fbem-11822	29	2	(	(	PUNCT
fbem-11822	29	3	2009)[1]considers	2009)[1]considers	NUM
fbem-11822	29	4	internet	internet	NOUN
fbem-11822	29	5	finance	finance	NOUN
fbem-11822	29	6	as	as	ADP
fbem-11822	29	7	an	an	DET
fbem-11822	29	8	innovative	innovative	ADJ
fbem-11822	29	9	activity	activity	NOUN
fbem-11822	29	10	that	that	PRON
fbem-11822	29	11	integrates	integrate	VERB
fbem-11822	29	12	traditional	traditional	ADJ
fbem-11822	29	13	financial	financial	ADJ
fbem-11822	29	14	services	service	NOUN
fbem-11822	29	15	with	with	ADP
fbem-11822	29	16	network	network	NOUN
fbem-11822	29	17	technology	technology	NOUN
fbem-11822	29	18	to	to	PART
fbem-11822	29	19	meet	meet	VERB
fbem-11822	29	20	the	the	DET
fbem-11822	29	21	financial	financial	ADJ
fbem-11822	29	22	needs	need	NOUN
fbem-11822	29	23	of	of	ADP
fbem-11822	29	24	the	the	DET
fbem-11822	29	25	public	public	NOUN
fbem-11822	29	26	.	.	PUNCT
fbem-11822	30	1	leejer	leejer	NOUN
fbem-11822	30	2	(	(	PUNCT
fbem-11822	30	3	2012)[2]thinks	2012)[2]think	NOUN
fbem-11822	30	4	that	that	SCONJ
fbem-11822	30	5	the	the	DET
fbem-11822	30	6	internet	internet	NOUN
fbem-11822	30	7	finance	finance	NOUN
fbem-11822	30	8	has	have	AUX
fbem-11822	30	9	got	got	AUX
fbem-11822	30	10	rid	rid	VERB
fbem-11822	30	11	of	of	ADP
fbem-11822	30	12	the	the	DET
fbem-11822	30	13	excessive	excessive	ADJ
fbem-11822	30	14	intervention	intervention	NOUN
fbem-11822	30	15	of	of	ADP
fbem-11822	30	16	the	the	DET
fbem-11822	30	17	government	government	NOUN
fbem-11822	30	18	,	,	PUNCT
fbem-11822	30	19	and	and	CCONJ
fbem-11822	30	20	has	have	AUX
fbem-11822	30	21	taken	take	VERB
fbem-11822	30	22	on	on	ADP
fbem-11822	30	23	the	the	DET
fbem-11822	30	24	function	function	NOUN
fbem-11822	30	25	of	of	ADP
fbem-11822	30	26	the	the	DET
fbem-11822	30	27	credit	credit	NOUN
fbem-11822	30	28	intermediary	intermediary	NOUN
fbem-11822	30	29	and	and	CCONJ
fbem-11822	30	30	the	the	DET
fbem-11822	30	31	payment	payment	NOUN
fbem-11822	30	32	intermediary	intermediary	NOUN
fbem-11822	30	33	effectively	effectively	ADV
fbem-11822	30	34	.	.	PUNCT
fbem-11822	31	1	vasiljeva	vasiljeva	PROPN
fbem-11822	31	2	and	and	CCONJ
fbem-11822	31	3	lukanova	lukanova	PROPN
fbem-11822	31	4	(	(	PUNCT
fbem-11822	31	5	2016)[3	2016)[3	NUM
fbem-11822	31	6	]	]	PUNCT
fbem-11822	31	7	argue	argue	VERB
fbem-11822	31	8	that	that	SCONJ
fbem-11822	31	9	internet	internet	NOUN
fbem-11822	31	10	finance	finance	NOUN
fbem-11822	31	11	is	be	AUX
fbem-11822	31	12	the	the	DET
fbem-11822	31	13	most	most	ADV
fbem-11822	31	14	effective	effective	ADJ
fbem-11822	31	15	,	,	PUNCT
fbem-11822	31	16	low	low	ADJ
fbem-11822	31	17	-	-	PUNCT
fbem-11822	31	18	cost	cost	NOUN
fbem-11822	31	19	,	,	PUNCT
fbem-11822	31	20	customer	customer	NOUN
fbem-11822	31	21	-	-	PUNCT
fbem-11822	31	22	oriented	orient	VERB
fbem-11822	31	23	solution	solution	NOUN
fbem-11822	31	24	to	to	ADP
fbem-11822	31	25	the	the	DET
fbem-11822	31	26	traditional	traditional	ADJ
fbem-11822	31	27	financial	financial	ADJ
fbem-11822	31	28	weakness	weakness	NOUN
fbem-11822	31	29	,	,	PUNCT
fbem-11822	31	30	which	which	PRON
fbem-11822	31	31	is	be	AUX
fbem-11822	31	32	the	the	DET
fbem-11822	31	33	dynamic	dynamic	ADJ
fbem-11822	31	34	intersection	intersection	NOUN
fbem-11822	31	35	of	of	ADP
fbem-11822	31	36	financial	financial	ADJ
fbem-11822	31	37	services	service	NOUN
fbem-11822	31	38	and	and	CCONJ
fbem-11822	31	39	technology	technology	NOUN
fbem-11822	31	40	.	.	PUNCT
fbem-11822	32	1	academic	academic	ADJ
fbem-11822	32	2	circles	circle	NOUN
fbem-11822	32	3	have	have	VERB
fbem-11822	32	4	different	different	ADJ
fbem-11822	32	5	views	view	NOUN
fbem-11822	32	6	on	on	ADP
fbem-11822	32	7	whether	whether	SCONJ
fbem-11822	32	8	internet	internet	NOUN
fbem-11822	32	9	finance	finance	NOUN
fbem-11822	32	10	is	be	AUX
fbem-11822	32	11	a	a	DET
fbem-11822	32	12	new	new	ADJ
fbem-11822	32	13	type	type	NOUN
fbem-11822	32	14	of	of	ADP
fbem-11822	32	15	finance	finance	NOUN
fbem-11822	32	16	that	that	PRON
fbem-11822	32	17	has	have	AUX
fbem-11822	32	18	not	not	PART
fbem-11822	32	19	appeared	appear	VERB
fbem-11822	32	20	in	in	ADP
fbem-11822	32	21	the	the	DET
fbem-11822	32	22	past	past	NOUN
fbem-11822	32	23	.	.	PUNCT
fbem-11822	33	1	xie	xie	PROPN
fbem-11822	33	2	ping	ping	PROPN
fbem-11822	33	3	(	(	PUNCT
fbem-11822	33	4	2012)[4]believes	2012)[4]believes	NUM
fbem-11822	33	5	that	that	SCONJ
fbem-11822	33	6	internet	internet	NOUN
fbem-11822	33	7	finance	finance	NOUN
fbem-11822	33	8	is	be	AUX
fbem-11822	33	9	a	a	DET
fbem-11822	33	10	new	new	ADJ
fbem-11822	33	11	type	type	NOUN
fbem-11822	33	12	of	of	ADP
fbem-11822	33	13	finance	finance	NOUN
fbem-11822	33	14	,	,	PUNCT
fbem-11822	33	15	it	it	PRON
fbem-11822	33	16	shows	show	VERB
fbem-11822	33	17	the	the	DET
fbem-11822	33	18	financing	financing	NOUN
fbem-11822	33	19	model	model	NOUN
fbem-11822	33	20	and	and	CCONJ
fbem-11822	33	21	commercial	commercial	ADJ
fbem-11822	33	22	banks	bank	NOUN
fbem-11822	33	23	indirect	indirect	ADJ
fbem-11822	33	24	financing	financing	NOUN
fbem-11822	33	25	and	and	CCONJ
fbem-11822	33	26	direct	direct	ADJ
fbem-11822	33	27	financing	financing	NOUN
fbem-11822	33	28	capital	capital	NOUN
fbem-11822	33	29	market	market	NOUN
fbem-11822	33	30	too	too	ADV
fbem-11822	33	31	much	much	ADJ
fbem-11822	33	32	difference	difference	NOUN
fbem-11822	33	33	.	.	PUNCT
fbem-11822	34	1	on	on	ADP
fbem-11822	34	2	the	the	DET
fbem-11822	34	3	contrary	contrary	NOUN
fbem-11822	34	4	,	,	PUNCT
fbem-11822	34	5	wang	wang	PROPN
fbem-11822	34	6	guogang	guogang	PROPN
fbem-11822	34	7	and	and	CCONJ
fbem-11822	34	8	zhang	zhang	PROPN
fbem-11822	34	9	yang	yang	PROPN
fbem-11822	34	10	(	(	PUNCT
fbem-11822	34	11	2015)[5]pointed	2015)[5]pointe	VERB
fbem-11822	34	12	out	out	ADP
fbem-11822	34	13	that	that	SCONJ
fbem-11822	34	14	internet	internet	NOUN
fbem-11822	34	15	finance	finance	NOUN
fbem-11822	34	16	is	be	AUX
fbem-11822	34	17	just	just	ADV
fbem-11822	34	18	a	a	DET
fbem-11822	34	19	kind	kind	NOUN
fbem-11822	34	20	of	of	ADP
fbem-11822	34	21	financial	financial	ADJ
fbem-11822	34	22	arbitrage	arbitrage	NOUN
fbem-11822	34	23	through	through	ADP
fbem-11822	34	24	the	the	DET
fbem-11822	34	25	channels	channel	NOUN
fbem-11822	34	26	and	and	CCONJ
fbem-11822	34	27	technologies	technology	NOUN
fbem-11822	34	28	of	of	ADP
fbem-11822	34	29	the	the	DET
fbem-11822	34	30	internet	internet	NOUN
fbem-11822	34	31	,	,	PUNCT
fbem-11822	34	32	not	not	PART
fbem-11822	34	33	so	so	ADV
fbem-11822	34	34	-	-	PUNCT
fbem-11822	34	35	called	call	VERB
fbem-11822	34	36	new	new	ADJ
fbem-11822	34	37	finance	finance	NOUN
fbem-11822	34	38	.	.	PUNCT
fbem-11822	35	1	2.2	2.2	NUM
fbem-11822	35	2	.	.	PUNCT
fbem-11822	36	1	the	the	DET
fbem-11822	36	2	impact	impact	NOUN
fbem-11822	36	3	of	of	ADP
fbem-11822	36	4	internet	internet	NOUN
fbem-11822	36	5	finance	finance	NOUN
fbem-11822	36	6	on	on	ADP
fbem-11822	36	7	commercial	commercial	ADJ
fbem-11822	36	8	banks	bank	NOUN
fbem-11822	36	9	internet	internet	NOUN
fbem-11822	36	10	finance	finance	NOUN
fbem-11822	36	11	has	have	AUX
fbem-11822	36	12	brought	bring	VERB
fbem-11822	36	13	many	many	ADJ
fbem-11822	36	14	impacts	impact	NOUN
fbem-11822	36	15	on	on	ADP
fbem-11822	36	16	commercial	commercial	ADJ
fbem-11822	36	17	banks	bank	NOUN
fbem-11822	36	18	.	.	PUNCT
fbem-11822	37	1	for	for	ADP
fbem-11822	37	2	example	example	NOUN
fbem-11822	37	3	,	,	PUNCT
fbem-11822	37	4	the	the	DET
fbem-11822	37	5	development	development	NOUN
fbem-11822	37	6	of	of	ADP
fbem-11822	37	7	internet	internet	NOUN
fbem-11822	37	8	finance	finance	NOUN
fbem-11822	37	9	has	have	AUX
fbem-11822	37	10	brought	bring	VERB
fbem-11822	37	11	unprecedented	unprecedented	ADJ
fbem-11822	37	12	risks	risk	NOUN
fbem-11822	37	13	to	to	ADP
fbem-11822	37	14	the	the	DET
fbem-11822	37	15	financial	financial	ADJ
fbem-11822	37	16	industry	industry	NOUN
fbem-11822	37	17	because	because	SCONJ
fbem-11822	37	18	of	of	ADP
fbem-11822	37	19	the	the	DET
fbem-11822	37	20	imperfect	imperfect	ADJ
fbem-11822	37	21	laws	law	NOUN
fbem-11822	37	22	and	and	CCONJ
fbem-11822	37	23	regulations	regulation	NOUN
fbem-11822	37	24	.	.	PUNCT
fbem-11822	38	1	chen	chen	PROPN
fbem-11822	38	2	zhao	zhao	PROPN
fbem-11822	38	3	and	and	CCONJ
fbem-11822	38	4	deng	deng	PROPN
fbem-11822	38	5	dongsheng	dongsheng	PROPN
fbem-11822	38	6	(	(	PUNCT
fbem-11822	38	7	2019)[6]considered	2019)[6]considered	NUM
fbem-11822	38	8	that	that	SCONJ
fbem-11822	38	9	the	the	DET
fbem-11822	38	10	lack	lack	NOUN
fbem-11822	38	11	of	of	ADP
fbem-11822	38	12	appropriate	appropriate	ADJ
fbem-11822	38	13	regulation	regulation	NOUN
fbem-11822	38	14	in	in	ADP
fbem-11822	38	15	the	the	DET
fbem-11822	38	16	early	early	ADJ
fbem-11822	38	17	stage	stage	NOUN
fbem-11822	38	18	of	of	ADP
fbem-11822	38	19	the	the	DET
fbem-11822	38	20	development	development	NOUN
fbem-11822	38	21	of	of	ADP
fbem-11822	38	22	internet	internet	NOUN
fbem-11822	38	23	finance	finance	NOUN
fbem-11822	38	24	had	have	AUX
fbem-11822	38	25	led	lead	VERB
fbem-11822	38	26	to	to	ADP
fbem-11822	38	27	frequent	frequent	ADJ
fbem-11822	38	28	chaos	chaos	NOUN
fbem-11822	38	29	in	in	ADP
fbem-11822	38	30	the	the	DET
fbem-11822	38	31	industry	industry	NOUN
fbem-11822	38	32	,	,	PUNCT
fbem-11822	38	33	while	while	SCONJ
fbem-11822	38	34	the	the	DET
fbem-11822	38	35	frequent	frequent	ADJ
fbem-11822	38	36	occurrence	occurrence	NOUN
fbem-11822	38	37	of	of	ADP
fbem-11822	38	38	strong	strong	ADJ
fbem-11822	38	39	regulatory	regulatory	ADJ
fbem-11822	38	40	policies	policy	NOUN
fbem-11822	38	41	in	in	ADP
fbem-11822	38	42	the	the	DET
fbem-11822	38	43	late	late	ADJ
fbem-11822	38	44	stage	stage	NOUN
fbem-11822	38	45	of	of	ADP
fbem-11822	38	46	the	the	DET
fbem-11822	38	47	development	development	NOUN
fbem-11822	38	48	had	have	AUX
fbem-11822	38	49	triggered	trigger	VERB
fbem-11822	38	50	special	special	ADJ
fbem-11822	38	51	systemic	systemic	ADJ
fbem-11822	38	52	risks	risk	NOUN
fbem-11822	38	53	,	,	PUNCT
fbem-11822	38	54	it	it	PRON
fbem-11822	38	55	also	also	ADV
fbem-11822	38	56	has	have	VERB
fbem-11822	38	57	a	a	DET
fbem-11822	38	58	great	great	ADJ
fbem-11822	38	59	impact	impact	NOUN
fbem-11822	38	60	on	on	ADP
fbem-11822	38	61	the	the	DET
fbem-11822	38	62	risks	risk	NOUN
fbem-11822	38	63	of	of	ADP
fbem-11822	38	64	micro	micro	ADJ
fbem-11822	38	65	-	-	ADJ
fbem-11822	38	66	financial	financial	ADJ
fbem-11822	38	67	institutions	institution	NOUN
fbem-11822	38	68	.	.	PUNCT
fbem-11822	39	1	chen	chen	PROPN
fbem-11822	39	2	rongda	rongda	PROPN
fbem-11822	39	3	et	et	PROPN
fbem-11822	39	4	al	al	PROPN
fbem-11822	39	5	.	.	PUNCT
fbem-11822	40	1	(	(	PUNCT
fbem-11822	40	2	2020)[7]think	2020)[7]think	NUM
fbem-11822	40	3	that	that	SCONJ
fbem-11822	40	4	unlike	unlike	ADP
fbem-11822	40	5	western	western	ADJ
fbem-11822	40	6	countries	country	NOUN
fbem-11822	40	7	,	,	PUNCT
fbem-11822	40	8	domestic	domestic	ADJ
fbem-11822	40	9	internet	internet	NOUN
fbem-11822	40	10	finance	finance	NOUN
fbem-11822	40	11	relies	rely	VERB
fbem-11822	40	12	on	on	ADP
fbem-11822	40	13	developed	develop	VERB
fbem-11822	40	14	network	network	NOUN
fbem-11822	40	15	infrastructure	infrastructure	NOUN
fbem-11822	40	16	,	,	PUNCT
fbem-11822	40	17	and	and	CCONJ
fbem-11822	40	18	its	its	PRON
fbem-11822	40	19	business	business	NOUN
fbem-11822	40	20	types	type	NOUN
fbem-11822	40	21	and	and	CCONJ
fbem-11822	40	22	forms	form	NOUN
fbem-11822	40	23	have	have	AUX
fbem-11822	40	24	surpassed	surpass	VERB
fbem-11822	40	25	most	most	ADJ
fbem-11822	40	26	countries	country	NOUN
fbem-11822	40	27	in	in	ADP
fbem-11822	40	28	the	the	DET
fbem-11822	40	29	world	world	NOUN
fbem-11822	40	30	.	.	PUNCT
fbem-11822	41	1	the	the	DET
fbem-11822	41	2	development	development	NOUN
fbem-11822	41	3	of	of	ADP
fbem-11822	41	4	internet	internet	NOUN
fbem-11822	41	5	finance	finance	NOUN
fbem-11822	41	6	in	in	ADP
fbem-11822	41	7	our	our	PRON
fbem-11822	41	8	country	country	NOUN
fbem-11822	41	9	shows	show	VERB
fbem-11822	41	10	obvious	obvious	ADJ
fbem-11822	41	11	leapfrogging	leapfrogging	NOUN
fbem-11822	41	12	and	and	CCONJ
fbem-11822	41	13	emphasis	emphasis	NOUN
fbem-11822	41	14	on	on	ADP
fbem-11822	41	15	financial	financial	ADJ
fbem-11822	41	16	model	model	NOUN
fbem-11822	41	17	,	,	PUNCT
fbem-11822	41	18	and	and	CCONJ
fbem-11822	41	19	faces	face	VERB
fbem-11822	41	20	the	the	DET
fbem-11822	41	21	challenge	challenge	NOUN
fbem-11822	41	22	of	of	ADP
fbem-11822	41	23	systemic	systemic	ADJ
fbem-11822	41	24	risk	risk	NOUN
fbem-11822	41	25	,	,	PUNCT
fbem-11822	41	26	supervision	supervision	NOUN
fbem-11822	41	27	and	and	CCONJ
fbem-11822	41	28	industry	industry	NOUN
fbem-11822	41	29	selfdiscipline	selfdiscipline	NOUN
fbem-11822	41	30	,	,	PUNCT
fbem-11822	41	31	and	and	CCONJ
fbem-11822	41	32	investor	investor	NOUN
fbem-11822	41	33	participation	participation	NOUN
fbem-11822	41	34	behavior	behavior	NOUN
fbem-11822	41	35	.	.	PUNCT
fbem-11822	42	1	in	in	ADP
fbem-11822	42	2	order	order	NOUN
fbem-11822	42	3	to	to	PART
fbem-11822	42	4	further	far	ADV
fbem-11822	42	5	explore	explore	VERB
fbem-11822	42	6	the	the	DET
fbem-11822	42	7	impact	impact	NOUN
fbem-11822	42	8	of	of	ADP
fbem-11822	42	9	internet	internet	NOUN
fbem-11822	42	10	finance	finance	NOUN
fbem-11822	42	11	on	on	ADP
fbem-11822	42	12	commercial	commercial	ADJ
fbem-11822	42	13	banks	bank	NOUN
fbem-11822	42	14	,	,	PUNCT
fbem-11822	42	15	different	different	ADJ
fbem-11822	42	16	scholars	scholar	NOUN
fbem-11822	42	17	hold	hold	VERB
fbem-11822	42	18	different	different	ADJ
fbem-11822	42	19	views	view	NOUN
fbem-11822	42	20	.	.	PUNCT
fbem-11822	43	1	some	some	DET
fbem-11822	43	2	scholars	scholar	NOUN
fbem-11822	43	3	believe	believe	VERB
fbem-11822	43	4	that	that	SCONJ
fbem-11822	43	5	internet	internet	NOUN
fbem-11822	43	6	finance	finance	NOUN
fbem-11822	43	7	only	only	ADV
fbem-11822	43	8	brings	bring	VERB
fbem-11822	43	9	negative	negative	ADJ
fbem-11822	43	10	effects	effect	NOUN
fbem-11822	43	11	to	to	ADP
fbem-11822	43	12	commercial	commercial	ADJ
fbem-11822	43	13	banks	bank	NOUN
fbem-11822	43	14	,	,	PUNCT
fbem-11822	43	15	but	but	CCONJ
fbem-11822	43	16	some	some	DET
fbem-11822	43	17	scholars	scholar	NOUN
fbem-11822	43	18	think	think	VERB
fbem-11822	43	19	that	that	SCONJ
fbem-11822	43	20	internet	internet	NOUN
fbem-11822	43	21	finance	finance	NOUN
fbem-11822	43	22	causes	cause	VERB
fbem-11822	43	23	catfish	catfish	ADJ
fbem-11822	43	24	effect	effect	NOUN
fbem-11822	43	25	to	to	ADP
fbem-11822	43	26	the	the	DET
fbem-11822	43	27	banking	banking	NOUN
fbem-11822	43	28	industry	industry	NOUN
fbem-11822	43	29	,	,	PUNCT
fbem-11822	43	30	impels	impel	VERB
fbem-11822	43	31	the	the	DET
fbem-11822	43	32	commercial	commercial	ADJ
fbem-11822	43	33	bank	bank	NOUN
fbem-11822	43	34	to	to	PART
fbem-11822	43	35	break	break	VERB
fbem-11822	43	36	through	through	ADP
fbem-11822	43	37	and	and	CCONJ
fbem-11822	43	38	reform	reform	VERB
fbem-11822	43	39	itself	itself	PRON
fbem-11822	43	40	in	in	ADP
fbem-11822	43	41	the	the	DET
fbem-11822	43	42	competition	competition	NOUN
fbem-11822	43	43	,	,	PUNCT
fbem-11822	43	44	and	and	CCONJ
fbem-11822	43	45	encourages	encourage	VERB
fbem-11822	43	46	the	the	DET
fbem-11822	43	47	commercial	commercial	ADJ
fbem-11822	43	48	bank	bank	NOUN
fbem-11822	43	49	to	to	PART
fbem-11822	43	50	improve	improve	VERB
fbem-11822	43	51	the	the	DET
fbem-11822	43	52	management	management	NOUN
fbem-11822	43	53	efficiency	efficiency	NOUN
fbem-11822	43	54	.	.	PUNCT
fbem-11822	44	1	(	(	PUNCT
fbem-11822	44	2	1	1	X
fbem-11822	44	3	)	)	PUNCT
fbem-11822	44	4	the	the	DET
fbem-11822	44	5	negative	negative	ADJ
fbem-11822	44	6	impact	impact	NOUN
fbem-11822	44	7	of	of	ADP
fbem-11822	44	8	internet	internet	NOUN
fbem-11822	44	9	finance	finance	NOUN
fbem-11822	44	10	on	on	ADP
fbem-11822	44	11	commercial	commercial	ADJ
fbem-11822	44	12	banks	bank	NOUN
fbem-11822	44	13	the	the	DET
fbem-11822	44	14	rapid	rapid	ADJ
fbem-11822	44	15	development	development	NOUN
fbem-11822	44	16	of	of	ADP
fbem-11822	44	17	internet	internet	NOUN
fbem-11822	44	18	financial	financial	ADJ
fbem-11822	44	19	management	management	NOUN
fbem-11822	44	20	has	have	VERB
fbem-11822	44	21	a	a	DET
fbem-11822	44	22	strong	strong	ADJ
fbem-11822	44	23	impact	impact	NOUN
fbem-11822	44	24	on	on	ADP
fbem-11822	44	25	the	the	DET
fbem-11822	44	26	traditional	traditional	ADJ
fbem-11822	44	27	commercial	commercial	ADJ
fbem-11822	44	28	banking	banking	NOUN
fbem-11822	44	29	system	system	NOUN
fbem-11822	44	30	.	.	PUNCT
fbem-11822	45	1	under	under	ADP
fbem-11822	45	2	the	the	DET
fbem-11822	45	3	influence	influence	NOUN
fbem-11822	45	4	of	of	ADP
fbem-11822	45	5	internet	internet	NOUN
fbem-11822	45	6	finance	finance	NOUN
fbem-11822	45	7	,	,	PUNCT
fbem-11822	45	8	commercial	commercial	ADJ
fbem-11822	45	9	banks	bank	NOUN
fbem-11822	45	10	are	be	AUX
fbem-11822	45	11	facing	face	VERB
fbem-11822	45	12	increasingly	increasingly	ADV
fbem-11822	45	13	fierce	fierce	ADJ
fbem-11822	45	14	deposit	deposit	NOUN
fbem-11822	45	15	competition	competition	NOUN
fbem-11822	45	16	and	and	CCONJ
fbem-11822	45	17	increasing	increase	VERB
fbem-11822	45	18	profit	profit	NOUN
fbem-11822	45	19	pressure	pressure	NOUN
fbem-11822	45	20	.	.	PUNCT
fbem-11822	46	1	brissimis	brissimis	PROPN
fbem-11822	46	2	et	et	PROPN
fbem-11822	46	3	al	al	PROPN
fbem-11822	46	4	.	.	PUNCT
fbem-11822	47	1	(	(	PUNCT
fbem-11822	47	2	2009)[8	2009)[8	PROPN
fbem-11822	47	3	]	]	PUNCT
fbem-11822	47	4	studied	study	VERB
fbem-11822	47	5	the	the	DET
fbem-11822	47	6	negative	negative	ADJ
fbem-11822	47	7	effects	effect	NOUN
fbem-11822	47	8	of	of	ADP
fbem-11822	47	9	internet	internet	NOUN
fbem-11822	47	10	finance	finance	NOUN
fbem-11822	47	11	on	on	ADP
fbem-11822	47	12	the	the	DET
fbem-11822	47	13	intermediary	intermediary	ADJ
fbem-11822	47	14	business	business	NOUN
fbem-11822	47	15	,	,	PUNCT
fbem-11822	47	16	deposit	deposit	NOUN
fbem-11822	47	17	business	business	NOUN
fbem-11822	47	18	and	and	CCONJ
fbem-11822	47	19	loan	loan	NOUN
fbem-11822	47	20	business	business	NOUN
fbem-11822	47	21	of	of	ADP
fbem-11822	47	22	commercial	commercial	ADJ
fbem-11822	47	23	banks	bank	NOUN
fbem-11822	47	24	,	,	PUNCT
fbem-11822	47	25	and	and	CCONJ
fbem-11822	47	26	found	find	VERB
fbem-11822	47	27	that	that	SCONJ
fbem-11822	47	28	internet	internet	NOUN
fbem-11822	47	29	finance	finance	NOUN
fbem-11822	47	30	has	have	VERB
fbem-11822	47	31	the	the	DET
fbem-11822	47	32	largest	large	ADJ
fbem-11822	47	33	impact	impact	NOUN
fbem-11822	47	34	on	on	ADP
fbem-11822	47	35	the	the	DET
fbem-11822	47	36	deposit	deposit	NOUN
fbem-11822	47	37	and	and	CCONJ
fbem-11822	47	38	loan	loan	NOUN
fbem-11822	47	39	business	business	NOUN
fbem-11822	47	40	of	of	ADP
fbem-11822	47	41	banks	bank	NOUN
fbem-11822	47	42	.	.	PUNCT
fbem-11822	48	1	norden	norden	PROPN
fbem-11822	48	2	(	(	PUNCT
fbem-11822	48	3	2014)[9]believes	2014)[9]believe	NOUN
fbem-11822	48	4	that	that	PRON
fbem-11822	48	5	internet	internet	NOUN
fbem-11822	48	6	financing	financing	NOUN
fbem-11822	48	7	will	will	AUX
fbem-11822	48	8	have	have	VERB
fbem-11822	48	9	an	an	DET
fbem-11822	48	10	impact	impact	NOUN
fbem-11822	48	11	on	on	ADP
fbem-11822	48	12	the	the	DET
fbem-11822	48	13	income	income	NOUN
fbem-11822	48	14	of	of	ADP
fbem-11822	48	15	deposit	deposit	NOUN
fbem-11822	48	16	and	and	CCONJ
fbem-11822	48	17	loan	loan	NOUN
fbem-11822	48	18	interest	interest	NOUN
fbem-11822	48	19	margin	margin	NOUN
fbem-11822	48	20	of	of	ADP
fbem-11822	48	21	commercial	commercial	ADJ
fbem-11822	48	22	banks	bank	NOUN
fbem-11822	48	23	.	.	PUNCT
fbem-11822	49	1	zheng	zheng	PROPN
fbem-11822	49	2	zhilai	zhilai	PROPN
fbem-11822	49	3	(	(	PUNCT
fbem-11822	49	4	2015)[10]pointed	2015)[10]pointe	VERB
fbem-11822	49	5	out	out	ADP
fbem-11822	49	6	that	that	SCONJ
fbem-11822	49	7	the	the	DET
fbem-11822	49	8	internet	internet	NOUN
fbem-11822	49	9	finance	finance	NOUN
fbem-11822	49	10	will	will	AUX
fbem-11822	49	11	divert	divert	VERB
fbem-11822	49	12	deposits	deposit	NOUN
fbem-11822	49	13	on	on	ADP
fbem-11822	49	14	the	the	DET
fbem-11822	49	15	liability	liability	NOUN
fbem-11822	49	16	side	side	NOUN
fbem-11822	49	17	of	of	ADP
fbem-11822	49	18	commercial	commercial	ADJ
fbem-11822	49	19	banks	bank	NOUN
fbem-11822	49	20	,	,	PUNCT
fbem-11822	49	21	and	and	CCONJ
fbem-11822	49	22	form	form	VERB
fbem-11822	49	23	a	a	DET
fbem-11822	49	24	dislocation	dislocation	NOUN
fbem-11822	49	25	competition	competition	NOUN
fbem-11822	49	26	on	on	ADP
fbem-11822	49	27	the	the	DET
fbem-11822	49	28	asset	asset	NOUN
fbem-11822	49	29	side	side	NOUN
fbem-11822	49	30	,	,	PUNCT
fbem-11822	49	31	which	which	PRON
fbem-11822	49	32	has	have	VERB
fbem-11822	49	33	a	a	DET
fbem-11822	49	34	huge	huge	ADJ
fbem-11822	49	35	impact	impact	NOUN
fbem-11822	49	36	on	on	ADP
fbem-11822	49	37	the	the	DET
fbem-11822	49	38	third	third	ADJ
fbem-11822	49	39	-	-	PUNCT
fbem-11822	49	40	party	party	NOUN
fbem-11822	49	41	wealth	wealth	NOUN
fbem-11822	49	42	management	management	NOUN
fbem-11822	49	43	market	market	NOUN
fbem-11822	49	44	.	.	PUNCT
fbem-11822	50	1	chen	chen	PROPN
fbem-11822	50	2	xiaoming	xiaoming	PROPN
fbem-11822	50	3	et	et	PROPN
fbem-11822	50	4	al	al	PROPN
fbem-11822	50	5	.	.	PUNCT
fbem-11822	51	1	(	(	PUNCT
fbem-11822	51	2	2019)[11]found	2019)[11]found	NOUN
fbem-11822	51	3	that	that	SCONJ
fbem-11822	51	4	the	the	DET
fbem-11822	51	5	rate	rate	NOUN
fbem-11822	51	6	of	of	ADP
fbem-11822	51	7	non	non	ADJ
fbem-11822	51	8	-	-	ADJ
fbem-11822	51	9	performing	performing	ADJ
fbem-11822	51	10	loans	loan	NOUN
fbem-11822	51	11	(	(	PUNCT
fbem-11822	51	12	npl	npl	NOUN
fbem-11822	51	13	)	)	PUNCT
fbem-11822	51	14	of	of	ADP
fbem-11822	51	15	commercial	commercial	ADJ
fbem-11822	51	16	banks	bank	NOUN
fbem-11822	51	17	is	be	AUX
fbem-11822	51	18	highly	highly	ADV
fbem-11822	51	19	positively	positively	ADV
fbem-11822	51	20	correlated	correlate	VERB
fbem-11822	51	21	with	with	ADP
fbem-11822	51	22	internet	internet	NOUN
fbem-11822	51	23	finance	finance	NOUN
fbem-11822	51	24	.	.	PUNCT
fbem-11822	52	1	therefore	therefore	ADV
fbem-11822	52	2	,	,	PUNCT
fbem-11822	52	3	in	in	ADP
fbem-11822	52	4	the	the	DET
fbem-11822	52	5	traditional	traditional	ADJ
fbem-11822	52	6	business	business	NOUN
fbem-11822	52	7	,	,	PUNCT
fbem-11822	52	8	commercial	commercial	ADJ
fbem-11822	52	9	banks	bank	NOUN
fbem-11822	52	10	are	be	AUX
fbem-11822	52	11	still	still	ADV
fbem-11822	52	12	dominant	dominant	ADJ
fbem-11822	52	13	.	.	PUNCT
fbem-11822	53	1	some	some	DET
fbem-11822	53	2	commercial	commercial	ADJ
fbem-11822	53	3	banks	bank	NOUN
fbem-11822	53	4	are	be	AUX
fbem-11822	53	5	also	also	ADV
fbem-11822	53	6	stimulated	stimulate	VERB
fbem-11822	53	7	by	by	ADP
fbem-11822	53	8	network	network	NOUN
fbem-11822	53	9	finance	finance	NOUN
fbem-11822	53	10	,	,	PUNCT
fbem-11822	53	11	develop	develop	VERB
fbem-11822	53	12	their	their	PRON
fbem-11822	53	13	own	own	ADJ
fbem-11822	53	14	internet	internet	NOUN
fbem-11822	53	15	financial	financial	ADJ
fbem-11822	53	16	business	business	NOUN
fbem-11822	53	17	,	,	PUNCT
fbem-11822	53	18	trying	try	VERB
fbem-11822	53	19	to	to	PART
fbem-11822	53	20	explore	explore	VERB
fbem-11822	53	21	new	new	ADJ
fbem-11822	53	22	profit	profit	NOUN
fbem-11822	53	23	growth	growth	NOUN
fbem-11822	53	24	points	point	NOUN
fbem-11822	53	25	,	,	PUNCT
fbem-11822	53	26	profit	profit	NOUN
fbem-11822	53	27	model	model	NOUN
fbem-11822	53	28	transformation	transformation	NOUN
fbem-11822	53	29	.	.	PUNCT
fbem-11822	54	1	the	the	DET
fbem-11822	54	2	rapid	rapid	ADJ
fbem-11822	54	3	development	development	NOUN
fbem-11822	54	4	of	of	ADP
fbem-11822	54	5	internet	internet	NOUN
fbem-11822	54	6	finance	finance	NOUN
fbem-11822	54	7	has	have	AUX
fbem-11822	54	8	led	lead	VERB
fbem-11822	54	9	many	many	ADJ
fbem-11822	54	10	internet	internet	NOUN
fbem-11822	54	11	enterprises	enterprise	NOUN
fbem-11822	54	12	to	to	PART
fbem-11822	54	13	enter	enter	VERB
fbem-11822	54	14	the	the	DET
fbem-11822	54	15	financial	financial	ADJ
fbem-11822	54	16	industry	industry	NOUN
fbem-11822	54	17	,	,	PUNCT
fbem-11822	54	18	and	and	CCONJ
fbem-11822	54	19	even	even	ADV
fbem-11822	54	20	some	some	DET
fbem-11822	54	21	non	non	ADJ
fbem-11822	54	22	-	-	ADJ
fbem-11822	54	23	internet	internet	ADJ
fbem-11822	54	24	enterprises	enterprise	NOUN
fbem-11822	54	25	have	have	AUX
fbem-11822	54	26	added	add	VERB
fbem-11822	54	27	online	online	ADJ
fbem-11822	54	28	credit	credit	NOUN
fbem-11822	54	29	business	business	NOUN
fbem-11822	54	30	,	,	PUNCT
fbem-11822	54	31	squeezing	squeeze	VERB
fbem-11822	54	32	the	the	DET
fbem-11822	54	33	share	share	NOUN
fbem-11822	54	34	of	of	ADP
fbem-11822	54	35	traditional	traditional	ADJ
fbem-11822	54	36	commercial	commercial	ADJ
fbem-11822	54	37	banking	banking	NOUN
fbem-11822	54	38	business	business	NOUN
fbem-11822	54	39	.	.	PUNCT
fbem-11822	55	1	du	du	PROPN
fbem-11822	55	2	jun	jun	PROPN
fbem-11822	55	3	and	and	CCONJ
fbem-11822	55	4	others	other	NOUN
fbem-11822	55	5	(	(	PUNCT
fbem-11822	55	6	2019)[12]believe	2019)[12]believe	ADP
fbem-11822	55	7	that	that	SCONJ
fbem-11822	55	8	the	the	DET
fbem-11822	55	9	interest	interest	NOUN
fbem-11822	55	10	income	income	NOUN
fbem-11822	55	11	of	of	ADP
fbem-11822	55	12	commercial	commercial	ADJ
fbem-11822	55	13	banks	bank	NOUN
fbem-11822	55	14	mainly	mainly	ADV
fbem-11822	55	15	comes	come	VERB
fbem-11822	55	16	from	from	ADP
fbem-11822	55	17	the	the	DET
fbem-11822	55	18	deposit	deposit	NOUN
fbem-11822	55	19	and	and	CCONJ
fbem-11822	55	20	loan	loan	NOUN
fbem-11822	55	21	business	business	NOUN
fbem-11822	55	22	,	,	PUNCT
fbem-11822	55	23	internet	internet	NOUN
fbem-11822	55	24	finance	finance	NOUN
fbem-11822	55	25	reduces	reduce	VERB
fbem-11822	55	26	the	the	DET
fbem-11822	55	27	net	net	ADJ
fbem-11822	55	28	interest	interest	NOUN
fbem-11822	55	29	income	income	NOUN
fbem-11822	55	30	of	of	ADP
fbem-11822	55	31	commercial	commercial	ADJ
fbem-11822	55	32	banks	bank	NOUN
fbem-11822	55	33	by	by	ADP
fbem-11822	55	34	diverting	divert	VERB
fbem-11822	55	35	customers	customer	NOUN
fbem-11822	55	36	,	,	PUNCT
fbem-11822	55	37	squeezing	squeeze	VERB
fbem-11822	55	38	the	the	DET
fbem-11822	55	39	scale	scale	NOUN
fbem-11822	55	40	of	of	ADP
fbem-11822	55	41	deposit	deposit	NOUN
fbem-11822	55	42	and	and	CCONJ
fbem-11822	55	43	loan	loan	NOUN
fbem-11822	55	44	business	business	NOUN
fbem-11822	55	45	,	,	PUNCT
fbem-11822	55	46	and	and	CCONJ
fbem-11822	55	47	raising	raise	VERB
fbem-11822	55	48	the	the	DET
fbem-11822	55	49	cost	cost	NOUN
fbem-11822	55	50	of	of	ADP
fbem-11822	55	51	funds	fund	NOUN
fbem-11822	55	52	.	.	PUNCT
fbem-11822	56	1	guo	guo	PROPN
fbem-11822	56	2	ping	ping	PROPN
fbem-11822	56	3	and	and	CCONJ
fbem-11822	56	4	shen	shen	PROPN
fbem-11822	56	5	yue	yue	PROPN
fbem-11822	57	1	(	(	PUNCT
fbem-11822	57	2	2019)[13]believe	2019)[13]believe	INTJ
fbem-11822	57	3	that	that	SCONJ
fbem-11822	57	4	the	the	DET
fbem-11822	57	5	development	development	NOUN
fbem-11822	57	6	of	of	ADP
fbem-11822	57	7	internet	internet	NOUN
fbem-11822	57	8	finance	finance	NOUN
fbem-11822	57	9	will	will	AUX
fbem-11822	57	10	worsen	worsen	VERB
fbem-11822	57	11	the	the	DET
fbem-11822	57	12	deposit	deposit	NOUN
fbem-11822	57	13	structure	structure	NOUN
fbem-11822	57	14	of	of	ADP
fbem-11822	57	15	banks	bank	NOUN
fbem-11822	57	16	,	,	PUNCT
fbem-11822	57	17	increase	increase	VERB
fbem-11822	57	18	the	the	DET
fbem-11822	57	19	cost	cost	NOUN
fbem-11822	57	20	of	of	ADP
fbem-11822	57	21	interest	interest	NOUN
fbem-11822	57	22	payment	payment	NOUN
fbem-11822	57	23	and	and	CCONJ
fbem-11822	57	24	increase	increase	VERB
fbem-11822	57	25	the	the	DET
fbem-11822	57	26	risk	risk	NOUN
fbem-11822	57	27	-	-	PUNCT
fbem-11822	57	28	taking	taking	NOUN
fbem-11822	57	29	of	of	ADP
fbem-11822	57	30	banks	bank	NOUN
fbem-11822	57	31	,	,	PUNCT
fbem-11822	57	32	in	in	ADP
fbem-11822	57	33	particular	particular	ADJ
fbem-11822	57	34	,	,	PUNCT
fbem-11822	57	35	non	non	ADJ
fbem-11822	57	36	-	-	ADJ
fbem-11822	57	37	state	state	ADJ
fbem-11822	57	38	,	,	PUNCT
fbem-11822	57	39	small	small	ADJ
fbem-11822	57	40	,	,	PUNCT
fbem-11822	57	41	highly	highly	ADV
fbem-11822	57	42	liquid	liquid	ADJ
fbem-11822	57	43	and	and	CCONJ
fbem-11822	57	44	capital	capital	NOUN
fbem-11822	57	45	adequacy	adequacy	NOUN
fbem-11822	57	46	ratio	ratio	NOUN
fbem-11822	57	47	commercial	commercial	ADJ
fbem-11822	57	48	banks	bank	NOUN
fbem-11822	57	49	have	have	AUX
fbem-11822	57	50	been	be	AUX
fbem-11822	57	51	hit	hit	VERB
fbem-11822	57	52	harder	hard	ADV
fbem-11822	57	53	.	.	PUNCT
fbem-11822	58	1	(	(	PUNCT
fbem-11822	58	2	2	2	X
fbem-11822	58	3	)	)	PUNCT
fbem-11822	58	4	the	the	DET
fbem-11822	58	5	positive	positive	ADJ
fbem-11822	58	6	impact	impact	NOUN
fbem-11822	58	7	of	of	ADP
fbem-11822	58	8	internet	internet	NOUN
fbem-11822	58	9	finance	finance	NOUN
fbem-11822	58	10	on	on	ADP
fbem-11822	58	11	commercial	commercial	ADJ
fbem-11822	58	12	banks	bank	NOUN
fbem-11822	58	13	some	some	DET
fbem-11822	58	14	scholars	scholar	NOUN
fbem-11822	58	15	believe	believe	VERB
fbem-11822	58	16	that	that	SCONJ
fbem-11822	58	17	internet	internet	NOUN
fbem-11822	58	18	finance	finance	NOUN
fbem-11822	58	19	can	can	AUX
fbem-11822	58	20	promote	promote	VERB
fbem-11822	58	21	the	the	DET
fbem-11822	58	22	traditional	traditional	ADJ
fbem-11822	58	23	banking	banking	NOUN
fbem-11822	58	24	industry	industry	NOUN
fbem-11822	58	25	,	,	PUNCT
fbem-11822	58	26	they	they	PRON
fbem-11822	58	27	are	be	AUX
fbem-11822	58	28	not	not	PART
fbem-11822	58	29	negative	negative	ADJ
fbem-11822	58	30	competition	competition	NOUN
fbem-11822	58	31	.	.	PUNCT
fbem-11822	59	1	zheng	zheng	PROPN
fbem-11822	59	2	liansheng	liansheng	PROPN
fbem-11822	59	3	et	et	PROPN
fbem-11822	59	4	al	al	PROPN
fbem-11822	59	5	.	.	PUNCT
fbem-11822	60	1	(	(	PUNCT
fbem-11822	60	2	2014)[14]that	2014)[14]that	X
fbem-11822	60	3	the	the	DET
fbem-11822	60	4	internet	internet	NOUN
fbem-11822	60	5	wealth	wealth	NOUN
fbem-11822	60	6	management	management	NOUN
fbem-11822	60	7	to	to	PART
fbem-11822	60	8	absorb	absorb	VERB
fbem-11822	60	9	funds	fund	NOUN
fbem-11822	60	10	will	will	AUX
fbem-11822	60	11	be	be	AUX
fbem-11822	60	12	higher	high	ADJ
fbem-11822	60	13	interest	interest	NOUN
fbem-11822	60	14	rates	rate	NOUN
fbem-11822	60	15	agreement	agreement	VERB
fbem-11822	60	16	deposits	deposit	NOUN
fbem-11822	60	17	,	,	PUNCT
fbem-11822	60	18	borrowing	borrow	VERB
fbem-11822	60	19	funds	fund	NOUN
fbem-11822	60	20	and	and	CCONJ
fbem-11822	60	21	other	other	ADJ
fbem-11822	60	22	ways	way	NOUN
fbem-11822	60	23	back	back	ADV
fbem-11822	60	24	to	to	ADP
fbem-11822	60	25	the	the	DET
fbem-11822	60	26	banking	banking	NOUN
fbem-11822	60	27	system	system	NOUN
fbem-11822	60	28	.	.	PUNCT
fbem-11822	61	1	gu	gu	PROPN
fbem-11822	61	2	haifeng	haifeng	PROPN
fbem-11822	61	3	and	and	CCONJ
fbem-11822	61	4	yan	yan	PROPN
fbem-11822	61	5	jun	jun	PROPN
fbem-11822	61	6	(	(	PUNCT
fbem-11822	61	7	2019)[15]put	2019)[15]put	NUM
fbem-11822	61	8	forward	forward	ADV
fbem-11822	61	9	the	the	DET
fbem-11822	61	10	efficient	efficient	ADJ
fbem-11822	61	11	and	and	CCONJ
fbem-11822	61	12	convenient	convenient	ADJ
fbem-11822	61	13	internet	internet	NOUN
fbem-11822	61	14	finance	finance	NOUN
fbem-11822	61	15	to	to	PART
fbem-11822	61	16	attract	attract	VERB
fbem-11822	61	17	customers	customer	NOUN
fbem-11822	61	18	to	to	ADP
fbem-11822	61	19	the	the	DET
fbem-11822	61	20	internet	internet	NOUN
fbem-11822	61	21	finance	finance	NOUN
fbem-11822	61	22	platform	platform	NOUN
fbem-11822	61	23	,	,	PUNCT
fbem-11822	61	24	to	to	PART
fbem-11822	61	25	meet	meet	VERB
fbem-11822	61	26	people	people	NOUN
fbem-11822	61	27	's	's	PART
fbem-11822	61	28	different	different	ADJ
fbem-11822	61	29	needs	need	NOUN
fbem-11822	61	30	from	from	ADP
fbem-11822	61	31	traditional	traditional	ADJ
fbem-11822	61	32	financial	financial	ADJ
fbem-11822	61	33	products	product	NOUN
fbem-11822	61	34	,	,	PUNCT
fbem-11822	61	35	and	and	CCONJ
fbem-11822	61	36	through	through	ADP
fbem-11822	61	37	big	big	ADJ
fbem-11822	61	38	data	datum	NOUN
fbem-11822	61	39	for	for	ADP
fbem-11822	61	40	long	long	ADJ
fbem-11822	61	41	tail	tail	NOUN
fbem-11822	61	42	customers	customer	NOUN
fbem-11822	61	43	tailormade	tailormade	VERB
fbem-11822	61	44	financial	financial	ADJ
fbem-11822	61	45	products	product	NOUN
fbem-11822	61	46	,	,	PUNCT
fbem-11822	61	47	through	through	ADP
fbem-11822	61	48	data	datum	NOUN
fbem-11822	61	49	tracking	tracking	NOUN
fbem-11822	61	50	and	and	CCONJ
fbem-11822	61	51	push	push	VERB
fbem-11822	61	52	103	103	NUM
fbem-11822	61	53	mechanism	mechanism	NOUN
fbem-11822	61	54	,	,	PUNCT
fbem-11822	61	55	push	push	VERB
fbem-11822	61	56	business	business	NOUN
fbem-11822	61	57	to	to	ADP
fbem-11822	61	58	potential	potential	ADJ
fbem-11822	61	59	customers	customer	NOUN
fbem-11822	61	60	.	.	PUNCT
fbem-11822	62	1	commercial	commercial	ADJ
fbem-11822	62	2	banks	bank	NOUN
fbem-11822	62	3	should	should	AUX
fbem-11822	62	4	actively	actively	ADV
fbem-11822	62	5	reach	reach	VERB
fbem-11822	62	6	cooperation	cooperation	NOUN
fbem-11822	62	7	with	with	ADP
fbem-11822	62	8	the	the	DET
fbem-11822	62	9	network	network	NOUN
fbem-11822	62	10	financial	financial	ADJ
fbem-11822	62	11	platform	platform	NOUN
fbem-11822	62	12	to	to	PART
fbem-11822	62	13	achieve	achieve	VERB
fbem-11822	62	14	a	a	DET
fbem-11822	62	15	win	win	NOUN
fbem-11822	62	16	-	-	PUNCT
fbem-11822	62	17	win	win	NOUN
fbem-11822	62	18	situation	situation	NOUN
fbem-11822	62	19	.	.	PUNCT
fbem-11822	63	1	guo	guo	PROPN
fbem-11822	63	2	jing	jing	PROPN
fbem-11822	63	3	et	et	PROPN
fbem-11822	63	4	al	al	PROPN
fbem-11822	63	5	.	.	PUNCT
fbem-11822	64	1	(	(	PUNCT
fbem-11822	64	2	2022)[16]believe	2022)[16]believe	VERB
fbem-11822	64	3	that	that	SCONJ
fbem-11822	64	4	the	the	DET
fbem-11822	64	5	development	development	NOUN
fbem-11822	64	6	of	of	ADP
fbem-11822	64	7	internet	internet	NOUN
fbem-11822	64	8	finance	finance	NOUN
fbem-11822	64	9	is	be	AUX
fbem-11822	64	10	a"double	a"double	ADV
fbem-11822	64	11	-	-	PUNCT
fbem-11822	64	12	edged	edge	VERB
fbem-11822	64	13	sword	sword	NOUN
fbem-11822	64	14	"	"	PUNCT
fbem-11822	64	15	for	for	ADP
fbem-11822	64	16	the	the	DET
fbem-11822	64	17	risk	risk	NOUN
fbem-11822	64	18	-	-	PUNCT
fbem-11822	64	19	taking	taking	NOUN
fbem-11822	64	20	of	of	ADP
fbem-11822	64	21	commercial	commercial	ADJ
fbem-11822	64	22	banks	bank	NOUN
fbem-11822	64	23	,	,	PUNCT
fbem-11822	64	24	on	on	ADP
fbem-11822	64	25	the	the	DET
fbem-11822	64	26	other	other	ADJ
fbem-11822	64	27	hand	hand	NOUN
fbem-11822	64	28	,	,	PUNCT
fbem-11822	64	29	gresham	gresham	PROPN
fbem-11822	64	30	's	's	PART
fbem-11822	64	31	law	law	NOUN
fbem-11822	64	32	forces	force	VERB
fbem-11822	64	33	commercial	commercial	ADJ
fbem-11822	64	34	banks	bank	NOUN
fbem-11822	64	35	to	to	PART
fbem-11822	64	36	optimize	optimize	VERB
fbem-11822	64	37	their	their	PRON
fbem-11822	64	38	profit	profit	NOUN
fbem-11822	64	39	models	model	NOUN
fbem-11822	64	40	.	.	PUNCT
fbem-11822	65	1	(	(	PUNCT
fbem-11822	65	2	3	3	X
fbem-11822	65	3	)	)	PUNCT
fbem-11822	65	4	the	the	DET
fbem-11822	65	5	impact	impact	NOUN
fbem-11822	65	6	of	of	ADP
fbem-11822	65	7	internet	internet	NOUN
fbem-11822	65	8	finance	finance	NOUN
fbem-11822	65	9	on	on	ADP
fbem-11822	65	10	different	different	ADJ
fbem-11822	65	11	types	type	NOUN
fbem-11822	65	12	of	of	ADP
fbem-11822	65	13	commercial	commercial	ADJ
fbem-11822	65	14	banks	bank	NOUN
fbem-11822	65	15	different	different	ADJ
fbem-11822	65	16	types	type	NOUN
fbem-11822	65	17	of	of	ADP
fbem-11822	65	18	commercial	commercial	ADJ
fbem-11822	65	19	banks	bank	NOUN
fbem-11822	65	20	have	have	AUX
fbem-11822	65	21	been	be	AUX
fbem-11822	65	22	impacted	impact	VERB
fbem-11822	65	23	by	by	ADP
fbem-11822	65	24	internet	internet	NOUN
fbem-11822	65	25	finance	finance	NOUN
fbem-11822	65	26	to	to	ADP
fbem-11822	65	27	different	different	ADJ
fbem-11822	65	28	degrees	degree	NOUN
fbem-11822	65	29	.	.	PUNCT
fbem-11822	66	1	huang	huang	PROPN
fbem-11822	66	2	hang	hang	PROPN
fbem-11822	66	3	(	(	PUNCT
fbem-11822	66	4	2018)[17]believes	2018)[17]believe	NOUN
fbem-11822	66	5	that	that	PRON
fbem-11822	66	6	internet	internet	NOUN
fbem-11822	66	7	finance	finance	NOUN
fbem-11822	66	8	has	have	AUX
fbem-11822	66	9	reduced	reduce	VERB
fbem-11822	66	10	the	the	DET
fbem-11822	66	11	profitability	profitability	NOUN
fbem-11822	66	12	of	of	ADP
fbem-11822	66	13	city	city	NOUN
fbem-11822	66	14	commercial	commercial	ADJ
fbem-11822	66	15	banks	bank	NOUN
fbem-11822	66	16	.	.	PUNCT
fbem-11822	67	1	gu	gu	PROPN
fbem-11822	67	2	haifeng	haifeng	PROPN
fbem-11822	67	3	and	and	CCONJ
fbem-11822	67	4	yan	yan	PROPN
fbem-11822	67	5	jun	jun	PROPN
fbem-11822	67	6	(	(	PUNCT
fbem-11822	67	7	2019)[18]examined	2019)[18]examine	VERB
fbem-11822	67	8	the	the	DET
fbem-11822	67	9	impact	impact	NOUN
fbem-11822	67	10	of	of	ADP
fbem-11822	67	11	third	third	ADJ
fbem-11822	67	12	-	-	PUNCT
fbem-11822	67	13	party	party	NOUN
fbem-11822	67	14	payment	payment	NOUN
fbem-11822	67	15	and	and	CCONJ
fbem-11822	67	16	p2p	p2p	NOUN
fbem-11822	67	17	online	online	ADJ
fbem-11822	67	18	lending	lending	NOUN
fbem-11822	67	19	on	on	ADP
fbem-11822	67	20	bank	bank	NOUN
fbem-11822	67	21	profitability	profitability	NOUN
fbem-11822	67	22	,	,	PUNCT
fbem-11822	67	23	and	and	CCONJ
fbem-11822	67	24	found	find	VERB
fbem-11822	67	25	that	that	SCONJ
fbem-11822	67	26	third	third	ADJ
fbem-11822	67	27	-	-	PUNCT
fbem-11822	67	28	party	party	NOUN
fbem-11822	67	29	payment	payment	NOUN
fbem-11822	67	30	and	and	CCONJ
fbem-11822	67	31	commercial	commercial	ADJ
fbem-11822	67	32	banks	bank	NOUN
fbem-11822	67	33	are	be	AUX
fbem-11822	67	34	positive	positive	ADJ
fbem-11822	67	35	competition	competition	NOUN
fbem-11822	67	36	.	.	PUNCT
fbem-11822	68	1	the	the	DET
fbem-11822	68	2	third	third	ADJ
fbem-11822	68	3	-	-	PUNCT
fbem-11822	68	4	party	party	NOUN
fbem-11822	68	5	payment	payment	NOUN
fbem-11822	68	6	not	not	PART
fbem-11822	68	7	only	only	ADV
fbem-11822	68	8	impinges	impinge	VERB
fbem-11822	68	9	on	on	ADP
fbem-11822	68	10	the	the	DET
fbem-11822	68	11	profitability	profitability	NOUN
fbem-11822	68	12	of	of	ADP
fbem-11822	68	13	commercial	commercial	ADJ
fbem-11822	68	14	banks	bank	NOUN
fbem-11822	68	15	,	,	PUNCT
fbem-11822	68	16	but	but	CCONJ
fbem-11822	68	17	also	also	ADV
fbem-11822	68	18	develops	develop	VERB
fbem-11822	68	19	the	the	DET
fbem-11822	68	20	demand	demand	NOUN
fbem-11822	68	21	for	for	ADP
fbem-11822	68	22	non	non	ADJ
fbem-11822	68	23	-	-	ADJ
fbem-11822	68	24	interest	interest	ADJ
fbem-11822	68	25	business	business	NOUN
fbem-11822	68	26	.	.	PUNCT
fbem-11822	69	1	network	network	NOUN
fbem-11822	69	2	credit	credit	NOUN
fbem-11822	69	3	has	have	VERB
fbem-11822	69	4	a	a	DET
fbem-11822	69	5	significant	significant	ADJ
fbem-11822	69	6	impact	impact	NOUN
fbem-11822	69	7	on	on	ADP
fbem-11822	69	8	the	the	DET
fbem-11822	69	9	non	non	ADJ
fbem-11822	69	10	-	-	ADJ
fbem-11822	69	11	interest	interest	ADJ
fbem-11822	69	12	income	income	NOUN
fbem-11822	69	13	of	of	ADP
fbem-11822	69	14	large	large	ADJ
fbem-11822	69	15	stateowned	stateowne	VERB
fbem-11822	69	16	banks	bank	NOUN
fbem-11822	69	17	,	,	PUNCT
fbem-11822	69	18	but	but	CCONJ
fbem-11822	69	19	it	it	PRON
fbem-11822	69	20	has	have	VERB
fbem-11822	69	21	no	no	DET
fbem-11822	69	22	significant	significant	ADJ
fbem-11822	69	23	impact	impact	NOUN
fbem-11822	69	24	on	on	ADP
fbem-11822	69	25	the	the	DET
fbem-11822	69	26	share	share	NOUN
fbem-11822	69	27	of	of	ADP
fbem-11822	69	28	non	non	ADJ
fbem-11822	69	29	-	-	ADJ
fbem-11822	69	30	interest	interest	ADJ
fbem-11822	69	31	income	income	NOUN
fbem-11822	69	32	of	of	ADP
fbem-11822	69	33	joint	joint	ADJ
fbem-11822	69	34	-	-	PUNCT
fbem-11822	69	35	stock	stock	NOUN
fbem-11822	69	36	banks	bank	NOUN
fbem-11822	69	37	and	and	CCONJ
fbem-11822	69	38	urban	urban	ADJ
fbem-11822	69	39	and	and	CCONJ
fbem-11822	69	40	rural	rural	ADJ
fbem-11822	69	41	commercial	commercial	ADJ
fbem-11822	69	42	banks	bank	NOUN
fbem-11822	69	43	.	.	PUNCT
fbem-11822	70	1	shen	shen	PROPN
fbem-11822	70	2	zijie	zijie	PROPN
fbem-11822	70	3	and	and	CCONJ
fbem-11822	70	4	yu	yu	PROPN
fbem-11822	70	5	ke	ke	PROPN
fbem-11822	70	6	(	(	PUNCT
fbem-11822	70	7	2020)[19]used	2020)[19]use	VERB
fbem-11822	70	8	the	the	DET
fbem-11822	70	9	return	return	NOUN
fbem-11822	70	10	on	on	ADP
fbem-11822	70	11	total	total	ADJ
fbem-11822	70	12	assets	asset	NOUN
fbem-11822	70	13	(	(	PUNCT
fbem-11822	70	14	roa	roa	NOUN
fbem-11822	70	15	)	)	PUNCT
fbem-11822	70	16	as	as	ADP
fbem-11822	70	17	a	a	DET
fbem-11822	70	18	core	core	NOUN
fbem-11822	70	19	indicator	indicator	NOUN
fbem-11822	70	20	to	to	PART
fbem-11822	70	21	measure	measure	VERB
fbem-11822	70	22	the	the	DET
fbem-11822	70	23	impact	impact	NOUN
fbem-11822	70	24	of	of	ADP
fbem-11822	70	25	non	non	ADJ
fbem-11822	70	26	-	-	ADJ
fbem-11822	70	27	financial	financial	ADJ
fbem-11822	70	28	institutions	institution	NOUN
fbem-11822	70	29	on	on	ADP
fbem-11822	70	30	the	the	DET
fbem-11822	70	31	performance	performance	NOUN
fbem-11822	70	32	of	of	ADP
fbem-11822	70	33	commercial	commercial	ADJ
fbem-11822	70	34	banks	bank	NOUN
fbem-11822	70	35	,	,	PUNCT
fbem-11822	70	36	the	the	DET
fbem-11822	70	37	declining	decline	VERB
fbem-11822	70	38	trend	trend	NOUN
fbem-11822	70	39	of	of	ADP
fbem-11822	70	40	city	city	NOUN
fbem-11822	70	41	commercial	commercial	ADJ
fbem-11822	70	42	banks	bank	NOUN
fbem-11822	70	43	is	be	AUX
fbem-11822	70	44	much	much	ADV
fbem-11822	70	45	larger	large	ADJ
fbem-11822	70	46	than	than	ADP
fbem-11822	70	47	that	that	PRON
fbem-11822	70	48	of	of	ADP
fbem-11822	70	49	state	state	NOUN
fbem-11822	70	50	-	-	PUNCT
fbem-11822	70	51	owned	own	VERB
fbem-11822	70	52	banks	bank	NOUN
fbem-11822	70	53	and	and	CCONJ
fbem-11822	70	54	jointstock	jointstock	NOUN
fbem-11822	70	55	commercial	commercial	ADJ
fbem-11822	70	56	banks	bank	NOUN
fbem-11822	70	57	.	.	PUNCT
fbem-11822	71	1	the	the	DET
fbem-11822	71	2	reasons	reason	NOUN
fbem-11822	71	3	are	be	AUX
fbem-11822	71	4	:	:	PUNCT
fbem-11822	71	5	first	first	ADJ
fbem-11822	71	6	,	,	PUNCT
fbem-11822	71	7	non	non	ADJ
fbem-11822	71	8	-	-	ADJ
fbem-11822	71	9	financial	financial	ADJ
fbem-11822	71	10	institutions	institution	NOUN
fbem-11822	71	11	divert	divert	VERB
fbem-11822	71	12	customers	customer	NOUN
fbem-11822	71	13	'	'	PART
fbem-11822	71	14	deposits	deposit	NOUN
fbem-11822	71	15	,	,	PUNCT
fbem-11822	71	16	commercial	commercial	ADJ
fbem-11822	71	17	banks	bank	NOUN
fbem-11822	71	18	lose	lose	VERB
fbem-11822	71	19	part	part	NOUN
fbem-11822	71	20	of	of	ADP
fbem-11822	71	21	the	the	DET
fbem-11822	71	22	competitive	competitive	ADJ
fbem-11822	71	23	advantage	advantage	NOUN
fbem-11822	71	24	of	of	ADP
fbem-11822	71	25	funds	fund	NOUN
fbem-11822	71	26	and	and	CCONJ
fbem-11822	71	27	increase	increase	VERB
fbem-11822	71	28	operating	operating	NOUN
fbem-11822	71	29	costs	cost	NOUN
fbem-11822	71	30	;	;	PUNCT
fbem-11822	71	31	second	second	X
fbem-11822	71	32	,	,	PUNCT
fbem-11822	71	33	the	the	DET
fbem-11822	71	34	business	business	NOUN
fbem-11822	71	35	of	of	ADP
fbem-11822	71	36	regional	regional	ADJ
fbem-11822	71	37	city	city	NOUN
fbem-11822	71	38	commercial	commercial	ADJ
fbem-11822	71	39	banks	bank	NOUN
fbem-11822	71	40	is	be	AUX
fbem-11822	71	41	often	often	ADV
fbem-11822	71	42	limited	limit	VERB
fbem-11822	71	43	to	to	ADP
fbem-11822	71	44	one	one	NUM
fbem-11822	71	45	place	place	NOUN
fbem-11822	71	46	,	,	PUNCT
fbem-11822	71	47	it	it	PRON
fbem-11822	71	48	is	be	AUX
fbem-11822	71	49	hard	hard	ADJ
fbem-11822	71	50	to	to	PART
fbem-11822	71	51	absorb	absorb	VERB
fbem-11822	71	52	capital	capital	NOUN
fbem-11822	71	53	and	and	CCONJ
fbem-11822	71	54	spread	spread	VERB
fbem-11822	71	55	risk	risk	NOUN
fbem-11822	71	56	around	around	ADV
fbem-11822	71	57	like	like	ADP
fbem-11822	71	58	a	a	DET
fbem-11822	71	59	big	big	ADJ
fbem-11822	71	60	national	national	PROPN
fbem-11822	71	61	bank	bank	NOUN
fbem-11822	71	62	.	.	PUNCT
fbem-11822	72	1	city	city	NOUN
fbem-11822	72	2	commercial	commercial	ADJ
fbem-11822	72	3	banks	bank	NOUN
fbem-11822	72	4	should	should	AUX
fbem-11822	72	5	develop	develop	VERB
fbem-11822	72	6	digital	digital	ADJ
fbem-11822	72	7	operation	operation	NOUN
fbem-11822	72	8	mode	mode	NOUN
fbem-11822	72	9	,	,	PUNCT
fbem-11822	72	10	strengthen	strengthen	VERB
fbem-11822	72	11	product	product	NOUN
fbem-11822	72	12	innovation	innovation	NOUN
fbem-11822	72	13	and	and	CCONJ
fbem-11822	72	14	upgrade	upgrade	VERB
fbem-11822	72	15	,	,	PUNCT
fbem-11822	72	16	dig	dig	VERB
fbem-11822	72	17	deep	deep	ADV
fbem-11822	72	18	into	into	ADP
fbem-11822	72	19	customers	customer	NOUN
fbem-11822	72	20	,	,	PUNCT
fbem-11822	72	21	accurate	accurate	ADJ
fbem-11822	72	22	marketing	marketing	NOUN
fbem-11822	72	23	,	,	PUNCT
fbem-11822	72	24	and	and	CCONJ
fbem-11822	72	25	shift	shift	VERB
fbem-11822	72	26	to	to	ADP
fbem-11822	72	27	diversified	diversified	ADJ
fbem-11822	72	28	profit	profit	NOUN
fbem-11822	72	29	structure	structure	NOUN
fbem-11822	72	30	.	.	PUNCT
fbem-11822	73	1	wang	wang	PROPN
fbem-11822	73	2	yu	yu	PROPN
fbem-11822	73	3	and	and	CCONJ
fbem-11822	73	4	kan	kan	PROPN
fbem-11822	73	5	bo	bo	PROPN
fbem-11822	73	6	(	(	PUNCT
fbem-11822	73	7	2021)[20	2021)[20	NOUN
fbem-11822	73	8	]	]	PUNCT
fbem-11822	73	9	studied	study	VERB
fbem-11822	73	10	the	the	DET
fbem-11822	73	11	impact	impact	NOUN
fbem-11822	73	12	of	of	ADP
fbem-11822	73	13	internet	internet	NOUN
fbem-11822	73	14	finance	finance	NOUN
fbem-11822	73	15	on	on	ADP
fbem-11822	73	16	the	the	DET
fbem-11822	73	17	profitability	profitability	NOUN
fbem-11822	73	18	and	and	CCONJ
fbem-11822	73	19	profit	profit	NOUN
fbem-11822	73	20	structure	structure	NOUN
fbem-11822	73	21	of	of	ADP
fbem-11822	73	22	commercial	commercial	ADJ
fbem-11822	73	23	banks	bank	NOUN
fbem-11822	73	24	.	.	PUNCT
fbem-11822	74	1	the	the	DET
fbem-11822	74	2	results	result	NOUN
fbem-11822	74	3	show	show	VERB
fbem-11822	74	4	that	that	SCONJ
fbem-11822	74	5	different	different	ADJ
fbem-11822	74	6	types	type	NOUN
fbem-11822	74	7	of	of	ADP
fbem-11822	74	8	commercial	commercial	ADJ
fbem-11822	74	9	banks	bank	NOUN
fbem-11822	74	10	'	'	PART
fbem-11822	74	11	profit	profit	NOUN
fbem-11822	74	12	structure	structure	NOUN
fbem-11822	74	13	are	be	AUX
fbem-11822	74	14	affected	affect	VERB
fbem-11822	74	15	by	by	ADP
fbem-11822	74	16	internet	internet	NOUN
fbem-11822	74	17	finance	finance	NOUN
fbem-11822	74	18	to	to	ADP
fbem-11822	74	19	different	different	ADJ
fbem-11822	74	20	degrees	degree	NOUN
fbem-11822	74	21	,	,	PUNCT
fbem-11822	74	22	the	the	DET
fbem-11822	74	23	impact	impact	NOUN
fbem-11822	74	24	of	of	ADP
fbem-11822	74	25	internet	internet	NOUN
fbem-11822	74	26	finance	finance	NOUN
fbem-11822	74	27	on	on	ADP
fbem-11822	74	28	the	the	DET
fbem-11822	74	29	profitability	profitability	NOUN
fbem-11822	74	30	of	of	ADP
fbem-11822	74	31	city	city	NOUN
fbem-11822	74	32	commercial	commercial	ADJ
fbem-11822	74	33	banks	bank	NOUN
fbem-11822	74	34	is	be	AUX
fbem-11822	74	35	greater	great	ADJ
fbem-11822	74	36	than	than	ADP
fbem-11822	74	37	that	that	PRON
fbem-11822	74	38	of	of	ADP
fbem-11822	74	39	joint	joint	ADJ
fbem-11822	74	40	-	-	PUNCT
fbem-11822	74	41	stock	stock	NOUN
fbem-11822	74	42	banks	bank	NOUN
fbem-11822	74	43	and	and	CCONJ
fbem-11822	74	44	state	state	NOUN
fbem-11822	74	45	-	-	PUNCT
fbem-11822	74	46	owned	own	VERB
fbem-11822	74	47	commercial	commercial	ADJ
fbem-11822	74	48	banks	bank	NOUN
fbem-11822	74	49	.	.	PUNCT
fbem-11822	75	1	3	3	X
fbem-11822	75	2	.	.	X
fbem-11822	75	3	the	the	DET
fbem-11822	75	4	literature	literature	NOUN
fbem-11822	75	5	about	about	ADP
fbem-11822	75	6	commercial	commercial	ADJ
fbem-11822	75	7	bank	bank	NOUN
fbem-11822	75	8	's	's	PART
fbem-11822	75	9	profit	profit	NOUN
fbem-11822	75	10	is	be	AUX
fbem-11822	75	11	combed	comb	VERB
fbem-11822	75	12	and	and	CCONJ
fbem-11822	75	13	analyzed	analyze	VERB
fbem-11822	75	14	3.1	3.1	NUM
fbem-11822	75	15	.	.	PUNCT
fbem-11822	76	1	the	the	DET
fbem-11822	76	2	profit	profit	NOUN
fbem-11822	76	3	model	model	NOUN
fbem-11822	76	4	of	of	ADP
fbem-11822	76	5	commercial	commercial	ADJ
fbem-11822	76	6	banks	bank	NOUN
fbem-11822	76	7	(	(	PUNCT
fbem-11822	76	8	1	1	X
fbem-11822	76	9	)	)	PUNCT
fbem-11822	76	10	the	the	DET
fbem-11822	76	11	definition	definition	NOUN
fbem-11822	76	12	of	of	ADP
fbem-11822	76	13	the	the	DET
fbem-11822	76	14	profit	profit	NOUN
fbem-11822	76	15	model	model	NOUN
fbem-11822	76	16	michael	michael	PROPN
fbem-11822	76	17	porter	porter	PROPN
fbem-11822	77	1	[	[	X
fbem-11822	77	2	21	21	NUM
fbem-11822	77	3	]	]	PUNCT
fbem-11822	77	4	argues	argue	VERB
fbem-11822	77	5	that	that	SCONJ
fbem-11822	77	6	the	the	DET
fbem-11822	77	7	profit	profit	NOUN
fbem-11822	77	8	model	model	NOUN
fbem-11822	77	9	is	be	AUX
fbem-11822	77	10	a	a	DET
fbem-11822	77	11	business	business	NOUN
fbem-11822	77	12	-	-	PUNCT
fbem-11822	77	13	specific	specific	ADJ
fbem-11822	77	14	business	business	NOUN
fbem-11822	77	15	structure	structure	NOUN
fbem-11822	77	16	shaped	shape	VERB
fbem-11822	77	17	by	by	ADP
fbem-11822	77	18	a	a	DET
fbem-11822	77	19	company	company	NOUN
fbem-11822	77	20	to	to	PART
fbem-11822	77	21	maintain	maintain	VERB
fbem-11822	77	22	its	its	PRON
fbem-11822	77	23	vitality	vitality	NOUN
fbem-11822	77	24	,	,	PUNCT
fbem-11822	77	25	reflecting	reflect	VERB
fbem-11822	77	26	the	the	DET
fbem-11822	77	27	allocation	allocation	NOUN
fbem-11822	77	28	and	and	CCONJ
fbem-11822	77	29	control	control	NOUN
fbem-11822	77	30	of	of	ADP
fbem-11822	77	31	resources	resource	NOUN
fbem-11822	77	32	within	within	ADP
fbem-11822	77	33	the	the	DET
fbem-11822	77	34	company	company	NOUN
fbem-11822	77	35	,	,	PUNCT
fbem-11822	77	36	is	be	AUX
fbem-11822	77	37	a	a	DET
fbem-11822	77	38	complete	complete	ADJ
fbem-11822	77	39	scientific	scientific	ADJ
fbem-11822	77	40	research	research	NOUN
fbem-11822	77	41	,	,	PUNCT
fbem-11822	77	42	design	design	NOUN
fbem-11822	77	43	,	,	PUNCT
fbem-11822	77	44	procurement	procurement	NOUN
fbem-11822	77	45	,	,	PUNCT
fbem-11822	77	46	production	production	NOUN
fbem-11822	77	47	,	,	PUNCT
fbem-11822	77	48	sales	sale	NOUN
fbem-11822	77	49	,	,	PUNCT
fbem-11822	77	50	docking	docking	NOUN
fbem-11822	77	51	and	and	CCONJ
fbem-11822	77	52	other	other	ADJ
fbem-11822	77	53	activities	activity	NOUN
fbem-11822	77	54	of	of	ADP
fbem-11822	77	55	the	the	DET
fbem-11822	77	56	value	value	NOUN
fbem-11822	77	57	chain	chain	NOUN
fbem-11822	77	58	.	.	PUNCT
fbem-11822	78	1	bodie[22]extends	bodie[22]extend	NOUN
fbem-11822	78	2	baud	baud	PROPN
fbem-11822	78	3	's	's	PART
fbem-11822	78	4	idea	idea	NOUN
fbem-11822	78	5	of	of	ADP
fbem-11822	78	6	competitiveness	competitiveness	NOUN
fbem-11822	78	7	to	to	ADP
fbem-11822	78	8	the	the	DET
fbem-11822	78	9	commercial	commercial	ADJ
fbem-11822	78	10	bank	bank	NOUN
fbem-11822	78	11	's	's	PART
fbem-11822	78	12	profit	profit	NOUN
fbem-11822	78	13	model	model	NOUN
fbem-11822	78	14	,	,	PUNCT
fbem-11822	78	15	which	which	PRON
fbem-11822	78	16	is	be	AUX
fbem-11822	78	17	to	to	PART
fbem-11822	78	18	provide	provide	VERB
fbem-11822	78	19	customers	customer	NOUN
fbem-11822	78	20	with	with	ADP
fbem-11822	78	21	personalized	personalized	ADJ
fbem-11822	78	22	,	,	PUNCT
fbem-11822	78	23	heterogeneous	heterogeneous	ADJ
fbem-11822	78	24	and	and	CCONJ
fbem-11822	78	25	standardized	standardized	ADJ
fbem-11822	78	26	batch	batch	NOUN
fbem-11822	78	27	services	service	NOUN
fbem-11822	79	1	,	,	PUNCT
fbem-11822	79	2	the	the	DET
fbem-11822	79	3	paper	paper	NOUN
fbem-11822	79	4	holds	hold	VERB
fbem-11822	79	5	that	that	SCONJ
fbem-11822	79	6	the	the	DET
fbem-11822	79	7	profit	profit	NOUN
fbem-11822	79	8	model	model	NOUN
fbem-11822	79	9	of	of	ADP
fbem-11822	79	10	commercial	commercial	ADJ
fbem-11822	79	11	bank	bank	NOUN
fbem-11822	79	12	is	be	AUX
fbem-11822	79	13	the	the	DET
fbem-11822	79	14	operation	operation	NOUN
fbem-11822	79	15	model	model	NOUN
fbem-11822	79	16	of	of	ADP
fbem-11822	79	17	service	service	NOUN
fbem-11822	79	18	intermediary	intermediary	NOUN
fbem-11822	79	19	in	in	ADP
fbem-11822	79	20	the	the	DET
fbem-11822	79	21	industry	industry	NOUN
fbem-11822	79	22	or	or	CCONJ
fbem-11822	79	23	the	the	DET
fbem-11822	79	24	whole	whole	ADJ
fbem-11822	79	25	market	market	NOUN
fbem-11822	79	26	.	.	PUNCT
fbem-11822	80	1	jang	jang	PROPN
fbem-11822	80	2	dong	dong	PROPN
fbem-11822	80	3	-	-	PUNCT
fbem-11822	80	4	hwi	hwi	PROPN
fbem-11822	80	5	(	(	PUNCT
fbem-11822	80	6	2019)[23]proposed	2019)[23]propose	VERB
fbem-11822	80	7	that	that	SCONJ
fbem-11822	80	8	the	the	DET
fbem-11822	80	9	profit	profit	NOUN
fbem-11822	80	10	model	model	NOUN
fbem-11822	80	11	is	be	AUX
fbem-11822	80	12	the	the	DET
fbem-11822	80	13	main	main	ADJ
fbem-11822	80	14	research	research	NOUN
fbem-11822	80	15	object	object	NOUN
fbem-11822	80	16	of	of	ADP
fbem-11822	80	17	the	the	DET
fbem-11822	80	18	enterprise	enterprise	NOUN
fbem-11822	80	19	engaged	engage	VERB
fbem-11822	80	20	in	in	ADP
fbem-11822	80	21	the	the	DET
fbem-11822	80	22	management	management	NOUN
fbem-11822	80	23	activities	activity	NOUN
fbem-11822	80	24	,	,	PUNCT
fbem-11822	80	25	and	and	CCONJ
fbem-11822	80	26	is	be	AUX
fbem-11822	80	27	the	the	DET
fbem-11822	80	28	source	source	NOUN
fbem-11822	80	29	of	of	ADP
fbem-11822	80	30	the	the	DET
fbem-11822	80	31	profits	profit	NOUN
fbem-11822	80	32	and	and	CCONJ
fbem-11822	80	33	the	the	DET
fbem-11822	80	34	mechanism	mechanism	NOUN
fbem-11822	80	35	of	of	ADP
fbem-11822	80	36	determining	determine	VERB
fbem-11822	80	37	the	the	DET
fbem-11822	80	38	income	income	NOUN
fbem-11822	80	39	of	of	ADP
fbem-11822	80	40	the	the	DET
fbem-11822	80	41	enterprise	enterprise	NOUN
fbem-11822	80	42	in	in	ADP
fbem-11822	80	43	the	the	DET
fbem-11822	80	44	specific	specific	ADJ
fbem-11822	80	45	operating	operating	NOUN
fbem-11822	80	46	environment	environment	NOUN
fbem-11822	80	47	.	.	PUNCT
fbem-11822	81	1	the	the	DET
fbem-11822	81	2	profit	profit	NOUN
fbem-11822	81	3	model	model	NOUN
fbem-11822	81	4	is	be	AUX
fbem-11822	81	5	decided	decide	VERB
fbem-11822	81	6	by	by	ADP
fbem-11822	81	7	many	many	ADJ
fbem-11822	81	8	factors	factor	NOUN
fbem-11822	81	9	,	,	PUNCT
fbem-11822	81	10	such	such	ADJ
fbem-11822	81	11	as	as	ADP
fbem-11822	81	12	the	the	DET
fbem-11822	81	13	business	business	NOUN
fbem-11822	81	14	scale	scale	NOUN
fbem-11822	81	15	,	,	PUNCT
fbem-11822	81	16	the	the	DET
fbem-11822	81	17	business	business	NOUN
fbem-11822	81	18	choice	choice	NOUN
fbem-11822	81	19	of	of	ADP
fbem-11822	81	20	the	the	DET
fbem-11822	81	21	enterprise	enterprise	NOUN
fbem-11822	81	22	,	,	PUNCT
fbem-11822	81	23	the	the	DET
fbem-11822	81	24	internal	internal	ADJ
fbem-11822	81	25	management	management	NOUN
fbem-11822	81	26	strategy	strategy	NOUN
fbem-11822	81	27	and	and	CCONJ
fbem-11822	81	28	the	the	DET
fbem-11822	81	29	external	external	ADJ
fbem-11822	81	30	environment	environment	NOUN
fbem-11822	81	31	.	.	PUNCT
fbem-11822	82	1	(	(	PUNCT
fbem-11822	82	2	2	2	X
fbem-11822	82	3	)	)	PUNCT
fbem-11822	82	4	influencing	influence	VERB
fbem-11822	82	5	factors	factor	NOUN
fbem-11822	82	6	the	the	DET
fbem-11822	82	7	market	market	NOUN
fbem-11822	82	8	structure	structure	NOUN
fbem-11822	82	9	of	of	ADP
fbem-11822	82	10	commercial	commercial	ADJ
fbem-11822	82	11	banks	bank	NOUN
fbem-11822	82	12	refers	refer	VERB
fbem-11822	82	13	to	to	ADP
fbem-11822	82	14	the	the	DET
fbem-11822	82	15	competitive	competitive	ADJ
fbem-11822	82	16	situation	situation	NOUN
fbem-11822	82	17	formed	form	VERB
fbem-11822	82	18	by	by	ADP
fbem-11822	82	19	the	the	DET
fbem-11822	82	20	number	number	NOUN
fbem-11822	82	21	,	,	PUNCT
fbem-11822	82	22	scale	scale	NOUN
fbem-11822	82	23	and	and	CCONJ
fbem-11822	82	24	proportion	proportion	NOUN
fbem-11822	82	25	of	of	ADP
fbem-11822	82	26	banks	bank	NOUN
fbem-11822	82	27	in	in	ADP
fbem-11822	82	28	the	the	DET
fbem-11822	82	29	market	market	NOUN
fbem-11822	82	30	,	,	PUNCT
fbem-11822	82	31	market	market	NOUN
fbem-11822	82	32	concentration	concentration	NOUN
fbem-11822	82	33	degree	degree	NOUN
fbem-11822	82	34	,	,	PUNCT
fbem-11822	82	35	scale	scale	NOUN
fbem-11822	82	36	economy	economy	NOUN
fbem-11822	82	37	,	,	PUNCT
fbem-11822	82	38	product	product	NOUN
fbem-11822	82	39	difference	difference	NOUN
fbem-11822	82	40	degree	degree	NOUN
fbem-11822	82	41	and	and	CCONJ
fbem-11822	82	42	industry	industry	NOUN
fbem-11822	82	43	barrier	barrier	NOUN
fbem-11822	82	44	difference	difference	NOUN
fbem-11822	82	45	will	will	AUX
fbem-11822	82	46	cause	cause	VERB
fbem-11822	82	47	the	the	DET
fbem-11822	82	48	difference	difference	NOUN
fbem-11822	82	49	of	of	ADP
fbem-11822	82	50	market	market	NOUN
fbem-11822	82	51	structure	structure	NOUN
fbem-11822	82	52	.	.	PUNCT
fbem-11822	83	1	brown	brown	PROPN
fbem-11822	83	2	(	(	PUNCT
fbem-11822	83	3	2005)[24]found	2005)[24]found	ADP
fbem-11822	83	4	that	that	SCONJ
fbem-11822	83	5	the	the	DET
fbem-11822	83	6	competitive	competitive	ADJ
fbem-11822	83	7	market	market	NOUN
fbem-11822	83	8	structure	structure	NOUN
fbem-11822	83	9	has	have	VERB
fbem-11822	83	10	a	a	DET
fbem-11822	83	11	significant	significant	ADJ
fbem-11822	83	12	positive	positive	ADJ
fbem-11822	83	13	correlation	correlation	NOUN
fbem-11822	83	14	with	with	ADP
fbem-11822	83	15	diversified	diversified	ADJ
fbem-11822	83	16	profit	profit	NOUN
fbem-11822	83	17	models	model	NOUN
fbem-11822	83	18	and	and	CCONJ
fbem-11822	83	19	profit	profit	NOUN
fbem-11822	83	20	levels	level	NOUN
fbem-11822	83	21	,	,	PUNCT
fbem-11822	83	22	while	while	SCONJ
fbem-11822	83	23	the	the	DET
fbem-11822	83	24	commercial	commercial	ADJ
fbem-11822	83	25	banks	bank	NOUN
fbem-11822	83	26	in	in	ADP
fbem-11822	83	27	countries	country	NOUN
fbem-11822	83	28	with	with	ADP
fbem-11822	83	29	high	high	ADJ
fbem-11822	83	30	market	market	NOUN
fbem-11822	83	31	concentration	concentration	NOUN
fbem-11822	83	32	have	have	VERB
fbem-11822	83	33	limited	limit	VERB
fbem-11822	83	34	innovation	innovation	NOUN
fbem-11822	83	35	in	in	ADP
fbem-11822	83	36	profit	profit	NOUN
fbem-11822	83	37	models	model	NOUN
fbem-11822	83	38	.	.	PUNCT
fbem-11822	84	1	zhao	zhao	PROPN
fbem-11822	84	2	xu	xu	PROPN
fbem-11822	85	1	(	(	PUNCT
fbem-11822	85	2	2001)[25]found	2001)[25]found	ADJ
fbem-11822	85	3	that	that	SCONJ
fbem-11822	85	4	china	china	PROPN
fbem-11822	85	5	's	's	PART
fbem-11822	85	6	banking	banking	NOUN
fbem-11822	85	7	industry	industry	NOUN
fbem-11822	85	8	has	have	VERB
fbem-11822	85	9	strong	strong	ADJ
fbem-11822	85	10	policy	policy	NOUN
fbem-11822	85	11	background	background	NOUN
fbem-11822	85	12	and	and	CCONJ
fbem-11822	85	13	traditional	traditional	ADJ
fbem-11822	85	14	industry	industry	NOUN
fbem-11822	85	15	division	division	NOUN
fbem-11822	85	16	,	,	PUNCT
fbem-11822	85	17	there	there	PRON
fbem-11822	85	18	is	be	VERB
fbem-11822	85	19	a	a	DET
fbem-11822	85	20	negative	negative	ADJ
fbem-11822	85	21	correlation	correlation	NOUN
fbem-11822	85	22	between	between	ADP
fbem-11822	85	23	profitability	profitability	NOUN
fbem-11822	85	24	of	of	ADP
fbem-11822	85	25	commercial	commercial	ADJ
fbem-11822	85	26	banks	bank	NOUN
fbem-11822	85	27	and	and	CCONJ
fbem-11822	85	28	their	their	PRON
fbem-11822	85	29	market	market	NOUN
fbem-11822	85	30	share	share	NOUN
fbem-11822	85	31	and	and	CCONJ
fbem-11822	85	32	market	market	NOUN
fbem-11822	85	33	concentration	concentration	NOUN
fbem-11822	85	34	,	,	PUNCT
fbem-11822	85	35	but	but	CCONJ
fbem-11822	85	36	the	the	DET
fbem-11822	85	37	correlation	correlation	NOUN
fbem-11822	85	38	is	be	AUX
fbem-11822	85	39	not	not	PART
fbem-11822	85	40	significant	significant	ADJ
fbem-11822	85	41	.	.	PUNCT
fbem-11822	86	1	it	it	PRON
fbem-11822	86	2	shows	show	VERB
fbem-11822	86	3	that	that	SCONJ
fbem-11822	86	4	scale	scale	NOUN
fbem-11822	86	5	can	can	AUX
fbem-11822	86	6	affect	affect	VERB
fbem-11822	86	7	market	market	NOUN
fbem-11822	86	8	share	share	NOUN
fbem-11822	86	9	and	and	CCONJ
fbem-11822	86	10	competitiveness	competitiveness	NOUN
fbem-11822	86	11	more	more	ADJ
fbem-11822	86	12	than	than	ADP
fbem-11822	86	13	business	business	NOUN
fbem-11822	86	14	model	model	NOUN
fbem-11822	86	15	innovation	innovation	NOUN
fbem-11822	86	16	.	.	PUNCT
fbem-11822	87	1	therefore	therefore	ADV
fbem-11822	87	2	,	,	PUNCT
fbem-11822	87	3	to	to	PART
fbem-11822	87	4	enhance	enhance	VERB
fbem-11822	87	5	profitability	profitability	NOUN
fbem-11822	87	6	,	,	PUNCT
fbem-11822	87	7	we	we	PRON
fbem-11822	87	8	must	must	AUX
fbem-11822	87	9	enhance	enhance	VERB
fbem-11822	87	10	market	market	NOUN
fbem-11822	87	11	competitiveness	competitiveness	NOUN
fbem-11822	87	12	.	.	PUNCT
fbem-11822	88	1	all	all	DET
fbem-11822	88	2	the	the	DET
fbem-11822	88	3	above	above	ADJ
fbem-11822	88	4	studies	study	NOUN
fbem-11822	88	5	show	show	VERB
fbem-11822	88	6	that	that	SCONJ
fbem-11822	88	7	the	the	DET
fbem-11822	88	8	characteristics	characteristic	NOUN
fbem-11822	88	9	of	of	ADP
fbem-11822	88	10	market	market	NOUN
fbem-11822	88	11	structure	structure	NOUN
fbem-11822	88	12	have	have	VERB
fbem-11822	88	13	an	an	DET
fbem-11822	88	14	impact	impact	NOUN
fbem-11822	88	15	on	on	ADP
fbem-11822	88	16	the	the	DET
fbem-11822	88	17	profit	profit	NOUN
fbem-11822	88	18	model	model	NOUN
fbem-11822	88	19	of	of	ADP
fbem-11822	88	20	banks	bank	NOUN
fbem-11822	88	21	.	.	PUNCT
fbem-11822	89	1	only	only	ADV
fbem-11822	89	2	on	on	ADP
fbem-11822	89	3	the	the	DET
fbem-11822	89	4	basis	basis	NOUN
fbem-11822	89	5	of	of	ADP
fbem-11822	89	6	analyzing	analyze	VERB
fbem-11822	89	7	and	and	CCONJ
fbem-11822	89	8	studying	study	VERB
fbem-11822	89	9	the	the	DET
fbem-11822	89	10	characteristics	characteristic	NOUN
fbem-11822	89	11	of	of	ADP
fbem-11822	89	12	market	market	NOUN
fbem-11822	89	13	structure	structure	NOUN
fbem-11822	89	14	,	,	PUNCT
fbem-11822	89	15	can	can	AUX
fbem-11822	89	16	commercial	commercial	ADJ
fbem-11822	89	17	banks	bank	NOUN
fbem-11822	89	18	choose	choose	VERB
fbem-11822	89	19	a	a	DET
fbem-11822	89	20	suitable	suitable	ADJ
fbem-11822	89	21	profit	profit	NOUN
fbem-11822	89	22	model	model	NOUN
fbem-11822	89	23	to	to	PART
fbem-11822	89	24	gain	gain	VERB
fbem-11822	89	25	competitive	competitive	ADJ
fbem-11822	89	26	advantage	advantage	NOUN
fbem-11822	89	27	.	.	PUNCT
fbem-11822	90	1	the	the	DET
fbem-11822	90	2	profit	profit	NOUN
fbem-11822	90	3	model	model	NOUN
fbem-11822	90	4	of	of	ADP
fbem-11822	90	5	commercial	commercial	ADJ
fbem-11822	90	6	banks	bank	NOUN
fbem-11822	90	7	is	be	AUX
fbem-11822	90	8	also	also	ADV
fbem-11822	90	9	influenced	influence	VERB
fbem-11822	90	10	by	by	ADP
fbem-11822	90	11	financial	financial	ADJ
fbem-11822	90	12	system	system	NOUN
fbem-11822	90	13	,	,	PUNCT
fbem-11822	90	14	which	which	PRON
fbem-11822	90	15	not	not	PART
fbem-11822	90	16	only	only	ADV
fbem-11822	90	17	restricts	restrict	VERB
fbem-11822	90	18	commercial	commercial	ADJ
fbem-11822	90	19	banks	bank	NOUN
fbem-11822	90	20	,	,	PUNCT
fbem-11822	90	21	but	but	CCONJ
fbem-11822	90	22	also	also	ADV
fbem-11822	90	23	influences	influence	VERB
fbem-11822	90	24	the	the	DET
fbem-11822	90	25	change	change	NOUN
fbem-11822	90	26	of	of	ADP
fbem-11822	90	27	profit	profit	NOUN
fbem-11822	90	28	model	model	NOUN
fbem-11822	90	29	.	.	PUNCT
fbem-11822	91	1	peng	peng	PROPN
fbem-11822	91	2	jiangang	jiangang	PROPN
fbem-11822	91	3	et	et	PROPN
fbem-11822	91	4	al	al	PROPN
fbem-11822	91	5	.	.	PROPN
fbem-11822	92	1	(	(	PUNCT
fbem-11822	92	2	2016)[26	2016)[26	X
fbem-11822	92	3	]	]	PUNCT
fbem-11822	92	4	found	find	VERB
fbem-11822	92	5	that	that	SCONJ
fbem-11822	92	6	financial	financial	ADJ
fbem-11822	92	7	institution	institution	NOUN
fbem-11822	92	8	changes	change	NOUN
fbem-11822	92	9	characterized	characterize	VERB
fbem-11822	92	10	by	by	ADP
fbem-11822	92	11	interest	interest	NOUN
fbem-11822	92	12	rate	rate	NOUN
fbem-11822	92	13	marketization	marketization	NOUN
fbem-11822	92	14	have	have	AUX
fbem-11822	92	15	affected	affect	VERB
fbem-11822	92	16	commercial	commercial	ADJ
fbem-11822	92	17	banks	bank	NOUN
fbem-11822	92	18	'	'	PART
fbem-11822	92	19	diversified	diversified	ADJ
fbem-11822	92	20	operations	operation	NOUN
fbem-11822	92	21	,	,	PUNCT
fbem-11822	92	22	government	government	NOUN
fbem-11822	92	23	deregulation	deregulation	NOUN
fbem-11822	92	24	and	and	CCONJ
fbem-11822	92	25	market	market	NOUN
fbem-11822	92	26	-	-	PUNCT
fbem-11822	92	27	oriented	orient	VERB
fbem-11822	92	28	reform	reform	NOUN
fbem-11822	92	29	have	have	AUX
fbem-11822	92	30	promoted	promote	VERB
fbem-11822	92	31	the	the	DET
fbem-11822	92	32	diversification	diversification	NOUN
fbem-11822	92	33	of	of	ADP
fbem-11822	92	34	commercial	commercial	ADJ
fbem-11822	92	35	banks	bank	NOUN
fbem-11822	92	36	,	,	PUNCT
fbem-11822	92	37	and	and	CCONJ
fbem-11822	92	38	to	to	ADP
fbem-11822	92	39	a	a	DET
fbem-11822	92	40	certain	certain	ADJ
fbem-11822	92	41	extent	extent	NOUN
fbem-11822	92	42	,	,	PUNCT
fbem-11822	92	43	enhanced	enhance	VERB
fbem-11822	92	44	the	the	DET
fbem-11822	92	45	performance	performance	NOUN
fbem-11822	92	46	of	of	ADP
fbem-11822	92	47	banks	bank	NOUN
fbem-11822	92	48	,	,	PUNCT
fbem-11822	92	49	thus	thus	ADV
fbem-11822	92	50	affecting	affect	VERB
fbem-11822	92	51	the	the	DET
fbem-11822	92	52	performance	performance	NOUN
fbem-11822	92	53	of	of	ADP
fbem-11822	92	54	commercial	commercial	ADJ
fbem-11822	92	55	banks	bank	NOUN
fbem-11822	92	56	.	.	PUNCT
fbem-11822	93	1	the	the	DET
fbem-11822	93	2	level	level	NOUN
fbem-11822	93	3	of	of	ADP
fbem-11822	93	4	interest	interest	NOUN
fbem-11822	93	5	rate	rate	NOUN
fbem-11822	93	6	and	and	CCONJ
fbem-11822	93	7	the	the	DET
fbem-11822	93	8	size	size	NOUN
fbem-11822	93	9	of	of	ADP
fbem-11822	93	10	the	the	DET
fbem-11822	93	11	deposit	deposit	NOUN
fbem-11822	93	12	-	-	PUNCT
fbem-11822	93	13	loan	loan	NOUN
fbem-11822	93	14	ratio	ratio	NOUN
fbem-11822	93	15	will	will	AUX
fbem-11822	93	16	have	have	VERB
fbem-11822	93	17	an	an	DET
fbem-11822	93	18	impact	impact	NOUN
fbem-11822	93	19	on	on	ADP
fbem-11822	93	20	the	the	DET
fbem-11822	93	21	commercial	commercial	ADJ
fbem-11822	93	22	banks	bank	NOUN
fbem-11822	93	23	.	.	PUNCT
fbem-11822	94	1	in	in	ADP
fbem-11822	94	2	the	the	DET
fbem-11822	94	3	interest	interest	NOUN
fbem-11822	94	4	rate	rate	NOUN
fbem-11822	94	5	marketization	marketization	NOUN
fbem-11822	94	6	reform	reform	NOUN
fbem-11822	94	7	,	,	PUNCT
fbem-11822	94	8	liu	liu	PROPN
fbem-11822	94	9	xiaoyu	xiaoyu	PROPN
fbem-11822	94	10	and	and	CCONJ
fbem-11822	94	11	peng	peng	PROPN
fbem-11822	94	12	yingqi	yingqi	PROPN
fbem-11822	94	13	(	(	PUNCT
fbem-11822	94	14	2019)[27]point	2019)[27]point	VERB
fbem-11822	94	15	out	out	ADP
fbem-11822	94	16	that	that	SCONJ
fbem-11822	94	17	the	the	DET
fbem-11822	94	18	narrowing	narrowing	NOUN
fbem-11822	94	19	of	of	ADP
fbem-11822	94	20	the	the	DET
fbem-11822	94	21	net	net	ADJ
fbem-11822	94	22	interest	interest	NOUN
fbem-11822	94	23	margin	margin	NOUN
fbem-11822	94	24	caused	cause	VERB
fbem-11822	94	25	by	by	ADP
fbem-11822	94	26	the	the	DET
fbem-11822	94	27	marketization	marketization	NOUN
fbem-11822	94	28	of	of	ADP
fbem-11822	94	29	interest	interest	NOUN
fbem-11822	94	30	rates	rate	NOUN
fbem-11822	94	31	will	will	AUX
fbem-11822	94	32	have	have	VERB
fbem-11822	94	33	a	a	DET
fbem-11822	94	34	negative	negative	ADJ
fbem-11822	94	35	impact	impact	NOUN
fbem-11822	94	36	on	on	ADP
fbem-11822	94	37	the	the	DET
fbem-11822	94	38	profitability	profitability	NOUN
fbem-11822	94	39	of	of	ADP
fbem-11822	94	40	banks	bank	NOUN
fbem-11822	94	41	,	,	PUNCT
fbem-11822	94	42	and	and	CCONJ
fbem-11822	94	43	the	the	DET
fbem-11822	94	44	impact	impact	NOUN
fbem-11822	94	45	will	will	AUX
fbem-11822	94	46	be	be	AUX
fbem-11822	94	47	more	more	ADV
fbem-11822	94	48	significant	significant	ADJ
fbem-11822	94	49	for	for	ADP
fbem-11822	94	50	banks	bank	NOUN
fbem-11822	94	51	with	with	ADP
fbem-11822	94	52	stronger	strong	ADJ
fbem-11822	94	53	monopolies	monopoly	NOUN
fbem-11822	94	54	,	,	PUNCT
fbem-11822	94	55	it	it	PRON
fbem-11822	94	56	also	also	ADV
fbem-11822	94	57	finds	find	VERB
fbem-11822	94	58	that	that	SCONJ
fbem-11822	94	59	large	large	ADJ
fbem-11822	94	60	banks	bank	NOUN
fbem-11822	94	61	are	be	AUX
fbem-11822	94	62	more	more	ADV
fbem-11822	94	63	capable	capable	ADJ
fbem-11822	94	64	of	of	ADP
fbem-11822	94	65	dealing	deal	VERB
fbem-11822	94	66	with	with	ADP
fbem-11822	94	67	the	the	DET
fbem-11822	94	68	impact	impact	NOUN
fbem-11822	94	69	of	of	ADP
fbem-11822	94	70	interest	interest	NOUN
fbem-11822	94	71	rate	rate	NOUN
fbem-11822	94	72	liberalization	liberalization	NOUN
fbem-11822	94	73	.	.	PUNCT
fbem-11822	95	1	the	the	DET
fbem-11822	95	2	analysis	analysis	NOUN
fbem-11822	95	3	of	of	ADP
fbem-11822	95	4	internal	internal	ADJ
fbem-11822	95	5	factors	factor	NOUN
fbem-11822	95	6	mainly	mainly	ADV
fbem-11822	95	7	includes	include	VERB
fbem-11822	95	8	capital	capital	NOUN
fbem-11822	95	9	constraint	constraint	NOUN
fbem-11822	95	10	,	,	PUNCT
fbem-11822	95	11	diversification	diversification	NOUN
fbem-11822	95	12	and	and	CCONJ
fbem-11822	95	13	internet	internet	NOUN
fbem-11822	95	14	finance	finance	NOUN
fbem-11822	95	15	.	.	PUNCT
fbem-11822	96	1	suyang	suyang	PROPN
fbem-11822	96	2	(	(	PUNCT
fbem-11822	96	3	2014)[28]believes	2014)[28]believe	VERB
fbem-11822	96	4	that	that	SCONJ
fbem-11822	96	5	the	the	DET
fbem-11822	96	6	profit	profit	NOUN
fbem-11822	96	7	model	model	NOUN
fbem-11822	96	8	is	be	AUX
fbem-11822	96	9	affected	affect	VERB
fbem-11822	96	10	by	by	ADP
fbem-11822	96	11	the	the	DET
fbem-11822	96	12	deposit	deposit	NOUN
fbem-11822	96	13	-	-	PUNCT
fbem-11822	96	14	loan	loan	NOUN
fbem-11822	96	15	ratio	ratio	NOUN
fbem-11822	96	16	,	,	PUNCT
fbem-11822	96	17	which	which	PRON
fbem-11822	96	18	is	be	AUX
fbem-11822	96	19	an	an	DET
fbem-11822	96	20	indicator	indicator	NOUN
fbem-11822	96	21	of	of	ADP
fbem-11822	96	22	capital	capital	NOUN
fbem-11822	96	23	liquidity	liquidity	NOUN
fbem-11822	96	24	.	.	PUNCT
fbem-11822	97	1	a	a	DET
fbem-11822	97	2	reasonable	reasonable	ADJ
fbem-11822	97	3	deposit	deposit	NOUN
fbem-11822	97	4	-	-	PUNCT
fbem-11822	97	5	loan	loan	NOUN
fbem-11822	97	6	ratio	ratio	NOUN
fbem-11822	97	7	is	be	AUX
fbem-11822	97	8	conducive	conducive	ADJ
fbem-11822	97	9	to	to	ADP
fbem-11822	97	10	the	the	DET
fbem-11822	97	11	healthy	healthy	ADJ
fbem-11822	97	12	development	development	NOUN
fbem-11822	97	13	of	of	ADP
fbem-11822	97	14	banks	bank	NOUN
fbem-11822	97	15	.	.	PUNCT
fbem-11822	98	1	at	at	ADP
fbem-11822	98	2	present	present	ADJ
fbem-11822	98	3	,	,	PUNCT
fbem-11822	98	4	there	there	PRON
fbem-11822	98	5	are	be	VERB
fbem-11822	98	6	two	two	NUM
fbem-11822	98	7	theoretical	theoretical	ADJ
fbem-11822	98	8	viewpoints	viewpoint	NOUN
fbem-11822	98	9	on	on	ADP
fbem-11822	98	10	profit	profit	NOUN
fbem-11822	98	11	model	model	NOUN
fbem-11822	98	12	and	and	CCONJ
fbem-11822	98	13	strategic	strategic	ADJ
fbem-11822	98	14	transformation	transformation	NOUN
fbem-11822	98	15	:	:	PUNCT
fbem-11822	98	16	first	first	ADJ
fbem-11822	98	17	,	,	PUNCT
fbem-11822	98	18	horizontal	horizontal	ADJ
fbem-11822	98	19	strategic	strategic	ADJ
fbem-11822	98	20	expansion	expansion	NOUN
fbem-11822	98	21	is	be	AUX
fbem-11822	98	22	the	the	DET
fbem-11822	98	23	main	main	ADJ
fbem-11822	98	24	,	,	PUNCT
fbem-11822	98	25	which	which	PRON
fbem-11822	98	26	is	be	AUX
fbem-11822	98	27	manifested	manifest	VERB
fbem-11822	98	28	by	by	ADP
fbem-11822	98	29	financial	financial	ADJ
fbem-11822	98	30	system	system	NOUN
fbem-11822	98	31	and	and	CCONJ
fbem-11822	98	32	technological	technological	ADJ
fbem-11822	98	33	innovation	innovation	NOUN
fbem-11822	98	34	to	to	PART
fbem-11822	98	35	broaden	broaden	VERB
fbem-11822	98	36	the	the	DET
fbem-11822	98	37	scope	scope	NOUN
fbem-11822	98	38	of	of	ADP
fbem-11822	98	39	business	business	NOUN
fbem-11822	98	40	and	and	CCONJ
fbem-11822	98	41	achieve	achieve	VERB
fbem-11822	98	42	business	business	NOUN
fbem-11822	98	43	diversification	diversification	NOUN
fbem-11822	98	44	.	.	PUNCT
fbem-11822	99	1	second	second	ADJ
fbem-11822	99	2	,	,	PUNCT
fbem-11822	99	3	the	the	DET
fbem-11822	99	4	vertical	vertical	ADJ
fbem-11822	99	5	business	business	NOUN
fbem-11822	99	6	mining	mining	NOUN
fbem-11822	99	7	strategy	strategy	NOUN
fbem-11822	99	8	,	,	PUNCT
fbem-11822	99	9	mainly	mainly	ADV
fbem-11822	99	10	for	for	ADP
fbem-11822	99	11	shrinking	shrink	VERB
fbem-11822	99	12	the	the	DET
fbem-11822	99	13	scope	scope	NOUN
fbem-11822	99	14	of	of	ADP
fbem-11822	99	15	business	business	NOUN
fbem-11822	99	16	,	,	PUNCT
fbem-11822	99	17	to	to	ADP
fbem-11822	99	18	the	the	DET
fbem-11822	99	19	direction	direction	NOUN
fbem-11822	99	20	of	of	ADP
fbem-11822	99	21	professional	professional	ADJ
fbem-11822	99	22	development	development	NOUN
fbem-11822	99	23	.	.	PUNCT
fbem-11822	100	1	under	under	ADP
fbem-11822	100	2	the	the	DET
fbem-11822	100	3	background	background	NOUN
fbem-11822	100	4	of	of	ADP
fbem-11822	100	5	internet	internet	NOUN
fbem-11822	100	6	finance	finance	NOUN
fbem-11822	100	7	,	,	PUNCT
fbem-11822	100	8	the	the	DET
fbem-11822	100	9	exclusivity	exclusivity	NOUN
fbem-11822	100	10	of	of	ADP
fbem-11822	100	11	financial	financial	ADJ
fbem-11822	100	12	institutions	institution	NOUN
fbem-11822	100	13	is	be	AUX
fbem-11822	100	14	gradually	gradually	ADV
fbem-11822	100	15	weakened	weaken	VERB
fbem-11822	100	16	,	,	PUNCT
fbem-11822	100	17	the	the	DET
fbem-11822	100	18	104	104	NUM
fbem-11822	100	19	boundary	boundary	NOUN
fbem-11822	100	20	of	of	ADP
fbem-11822	100	21	financial	financial	ADJ
fbem-11822	100	22	services	service	NOUN
fbem-11822	100	23	is	be	AUX
fbem-11822	100	24	gradually	gradually	ADV
fbem-11822	100	25	blurred	blur	VERB
fbem-11822	100	26	,	,	PUNCT
fbem-11822	100	27	and	and	CCONJ
fbem-11822	100	28	mixed	mixed	ADJ
fbem-11822	100	29	operation	operation	NOUN
fbem-11822	100	30	has	have	AUX
fbem-11822	100	31	gradually	gradually	ADV
fbem-11822	100	32	become	become	VERB
fbem-11822	100	33	the	the	DET
fbem-11822	100	34	common	common	ADJ
fbem-11822	100	35	strategic	strategic	ADJ
fbem-11822	100	36	development	development	NOUN
fbem-11822	100	37	direction	direction	NOUN
fbem-11822	100	38	of	of	ADP
fbem-11822	100	39	international	international	ADJ
fbem-11822	100	40	commercial	commercial	ADJ
fbem-11822	100	41	banks	bank	NOUN
fbem-11822	100	42	'	'	PART
fbem-11822	100	43	profit	profit	NOUN
fbem-11822	100	44	model	model	NOUN
fbem-11822	100	45	transformation	transformation	NOUN
fbem-11822	100	46	.	.	PUNCT
fbem-11822	101	1	our	our	PRON
fbem-11822	101	2	country	country	NOUN
fbem-11822	101	3	commercial	commercial	PROPN
fbem-11822	101	4	bank	bank	NOUN
fbem-11822	101	5	's	's	PART
fbem-11822	101	6	strategic	strategic	ADJ
fbem-11822	101	7	transformation	transformation	NOUN
fbem-11822	101	8	also	also	ADV
fbem-11822	101	9	proposed	propose	VERB
fbem-11822	101	10	many	many	ADJ
fbem-11822	101	11	viewpoints	viewpoint	NOUN
fbem-11822	101	12	,	,	PUNCT
fbem-11822	101	13	the	the	DET
fbem-11822	101	14	mainstream	mainstream	NOUN
fbem-11822	101	15	viewpoint	viewpoint	NOUN
fbem-11822	101	16	also	also	ADV
fbem-11822	101	17	conforms	conform	VERB
fbem-11822	101	18	to	to	ADP
fbem-11822	101	19	the	the	DET
fbem-11822	101	20	mixed	mixed	ADJ
fbem-11822	101	21	operation	operation	NOUN
fbem-11822	101	22	strategic	strategic	ADJ
fbem-11822	101	23	transformation	transformation	NOUN
fbem-11822	101	24	development	development	NOUN
fbem-11822	101	25	mentality	mentality	NOUN
fbem-11822	101	26	.	.	PUNCT
fbem-11822	102	1	ge	ge	PROPN
fbem-11822	102	2	zhaoqiang	zhaoqiang	PROPN
fbem-11822	102	3	(	(	PUNCT
fbem-11822	102	4	2005)[29]by	2005)[29]by	NUM
fbem-11822	102	5	analyzing	analyze	VERB
fbem-11822	102	6	the	the	DET
fbem-11822	102	7	changes	change	NOUN
fbem-11822	102	8	of	of	ADP
fbem-11822	102	9	the	the	DET
fbem-11822	102	10	internal	internal	ADJ
fbem-11822	102	11	and	and	CCONJ
fbem-11822	102	12	external	external	ADJ
fbem-11822	102	13	environment	environment	NOUN
fbem-11822	102	14	of	of	ADP
fbem-11822	102	15	the	the	DET
fbem-11822	102	16	domestic	domestic	ADJ
fbem-11822	102	17	banking	banking	NOUN
fbem-11822	102	18	industry	industry	NOUN
fbem-11822	102	19	,	,	PUNCT
fbem-11822	102	20	this	this	DET
fbem-11822	102	21	paper	paper	NOUN
fbem-11822	102	22	points	point	VERB
fbem-11822	102	23	out	out	ADP
fbem-11822	102	24	that	that	SCONJ
fbem-11822	102	25	the	the	DET
fbem-11822	102	26	strategic	strategic	ADJ
fbem-11822	102	27	transformation	transformation	NOUN
fbem-11822	102	28	of	of	ADP
fbem-11822	102	29	china	china	PROPN
fbem-11822	102	30	's	's	PART
fbem-11822	102	31	commercial	commercial	ADJ
fbem-11822	102	32	banks	bank	NOUN
fbem-11822	102	33	is	be	AUX
fbem-11822	102	34	the	the	DET
fbem-11822	102	35	only	only	ADJ
fbem-11822	102	36	way	way	NOUN
fbem-11822	102	37	,	,	PUNCT
fbem-11822	102	38	and	and	CCONJ
fbem-11822	102	39	that	that	SCONJ
fbem-11822	102	40	commercial	commercial	ADJ
fbem-11822	102	41	banks	bank	NOUN
fbem-11822	102	42	should	should	AUX
fbem-11822	102	43	strengthen	strengthen	VERB
fbem-11822	102	44	their	their	PRON
fbem-11822	102	45	crisis	crisis	NOUN
fbem-11822	102	46	awareness	awareness	NOUN
fbem-11822	102	47	and	and	CCONJ
fbem-11822	102	48	construct	construct	VERB
fbem-11822	102	49	new	new	ADJ
fbem-11822	102	50	business	business	NOUN
fbem-11822	102	51	models	model	NOUN
fbem-11822	102	52	,	,	PUNCT
fbem-11822	102	53	tamping	tamp	VERB
fbem-11822	102	54	the	the	DET
fbem-11822	102	55	system	system	NOUN
fbem-11822	102	56	foundation	foundation	NOUN
fbem-11822	102	57	,	,	PUNCT
fbem-11822	102	58	further	far	ADV
fbem-11822	102	59	widening	widen	VERB
fbem-11822	102	60	the	the	DET
fbem-11822	102	61	differentiation	differentiation	NOUN
fbem-11822	102	62	of	of	ADP
fbem-11822	102	63	business	business	NOUN
fbem-11822	102	64	development	development	NOUN
fbem-11822	102	65	ideas	idea	NOUN
fbem-11822	102	66	.	.	PUNCT
fbem-11822	103	1	3.2	3.2	NUM
fbem-11822	103	2	.	.	PUNCT
fbem-11822	103	3	profitability	profitability	NOUN
fbem-11822	103	4	profitability	profitability	NOUN
fbem-11822	103	5	can	can	AUX
fbem-11822	103	6	literally	literally	ADV
fbem-11822	103	7	be	be	AUX
fbem-11822	103	8	understood	understand	VERB
fbem-11822	103	9	as	as	ADP
fbem-11822	103	10	the	the	DET
fbem-11822	103	11	ability	ability	NOUN
fbem-11822	103	12	of	of	ADP
fbem-11822	103	13	a	a	DET
fbem-11822	103	14	business	business	NOUN
fbem-11822	103	15	to	to	PART
fbem-11822	103	16	make	make	VERB
fbem-11822	103	17	profits	profit	NOUN
fbem-11822	103	18	in	in	ADP
fbem-11822	103	19	the	the	DET
fbem-11822	103	20	course	course	NOUN
fbem-11822	103	21	of	of	ADP
fbem-11822	103	22	its	its	PRON
fbem-11822	103	23	operations	operation	NOUN
fbem-11822	103	24	,	,	PUNCT
fbem-11822	103	25	the	the	DET
fbem-11822	103	26	ability	ability	NOUN
fbem-11822	103	27	to	to	PART
fbem-11822	103	28	use	use	VERB
fbem-11822	103	29	capital	capital	NOUN
fbem-11822	103	30	to	to	PART
fbem-11822	103	31	gain	gain	VERB
fbem-11822	103	32	returns	return	NOUN
fbem-11822	103	33	and	and	CCONJ
fbem-11822	103	34	the	the	DET
fbem-11822	103	35	ability	ability	NOUN
fbem-11822	103	36	to	to	PART
fbem-11822	103	37	return	return	VERB
fbem-11822	103	38	capital	capital	NOUN
fbem-11822	103	39	,	,	PUNCT
fbem-11822	103	40	it	it	PRON
fbem-11822	103	41	also	also	ADV
fbem-11822	103	42	reflects	reflect	VERB
fbem-11822	103	43	its	its	PRON
fbem-11822	103	44	ability	ability	NOUN
fbem-11822	103	45	to	to	PART
fbem-11822	103	46	withstand	withstand	VERB
fbem-11822	103	47	risks	risk	NOUN
fbem-11822	103	48	in	in	ADP
fbem-11822	103	49	the	the	DET
fbem-11822	103	50	course	course	NOUN
fbem-11822	103	51	of	of	ADP
fbem-11822	103	52	business	business	NOUN
fbem-11822	103	53	.	.	PUNCT
fbem-11822	104	1	profitability	profitability	NOUN
fbem-11822	104	2	is	be	AUX
fbem-11822	104	3	the	the	DET
fbem-11822	104	4	driving	drive	VERB
fbem-11822	104	5	force	force	NOUN
fbem-11822	104	6	and	and	CCONJ
fbem-11822	104	7	foundation	foundation	NOUN
fbem-11822	104	8	for	for	ADP
fbem-11822	104	9	the	the	DET
fbem-11822	104	10	sustainable	sustainable	ADJ
fbem-11822	104	11	development	development	NOUN
fbem-11822	104	12	of	of	ADP
fbem-11822	104	13	commercial	commercial	ADJ
fbem-11822	104	14	banks	bank	NOUN
fbem-11822	104	15	.	.	PUNCT
fbem-11822	105	1	suyang	suyang	PROPN
fbem-11822	105	2	(	(	PUNCT
fbem-11822	105	3	2014)[28]believes	2014)[28]believe	VERB
fbem-11822	105	4	that	that	PRON
fbem-11822	105	5	profitability	profitability	NOUN
fbem-11822	105	6	of	of	ADP
fbem-11822	105	7	commercial	commercial	ADJ
fbem-11822	105	8	banks	bank	NOUN
fbem-11822	105	9	can	can	AUX
fbem-11822	105	10	not	not	PART
fbem-11822	105	11	only	only	ADV
fbem-11822	105	12	reflect	reflect	VERB
fbem-11822	105	13	the	the	DET
fbem-11822	105	14	current	current	ADJ
fbem-11822	105	15	level	level	NOUN
fbem-11822	105	16	of	of	ADP
fbem-11822	105	17	asset	asset	NOUN
fbem-11822	105	18	profitability	profitability	NOUN
fbem-11822	105	19	,	,	PUNCT
fbem-11822	105	20	we	we	PRON
fbem-11822	105	21	should	should	AUX
fbem-11822	105	22	integrate	integrate	VERB
fbem-11822	105	23	,	,	PUNCT
fbem-11822	105	24	reshape	reshape	VERB
fbem-11822	105	25	and	and	CCONJ
fbem-11822	105	26	innovate	innovate	VERB
fbem-11822	105	27	its	its	PRON
fbem-11822	105	28	internal	internal	ADJ
fbem-11822	105	29	and	and	CCONJ
fbem-11822	105	30	external	external	ADJ
fbem-11822	105	31	resources	resource	NOUN
fbem-11822	105	32	and	and	CCONJ
fbem-11822	105	33	technologies	technology	NOUN
fbem-11822	105	34	to	to	PART
fbem-11822	105	35	cope	cope	VERB
fbem-11822	105	36	with	with	ADP
fbem-11822	105	37	the	the	DET
fbem-11822	105	38	changing	change	VERB
fbem-11822	105	39	external	external	ADJ
fbem-11822	105	40	environment	environment	NOUN
fbem-11822	105	41	.	.	PUNCT
fbem-11822	106	1	it	it	PRON
fbem-11822	106	2	is	be	AUX
fbem-11822	106	3	the	the	DET
fbem-11822	106	4	comprehensive	comprehensive	ADJ
fbem-11822	106	5	embodiment	embodiment	NOUN
fbem-11822	106	6	of	of	ADP
fbem-11822	106	7	the	the	DET
fbem-11822	106	8	bank	bank	NOUN
fbem-11822	106	9	's	's	PART
fbem-11822	106	10	risk	risk	NOUN
fbem-11822	106	11	management	management	NOUN
fbem-11822	106	12	,	,	PUNCT
fbem-11822	106	13	product	product	NOUN
fbem-11822	106	14	marketing	marketing	NOUN
fbem-11822	106	15	promotion	promotion	NOUN
fbem-11822	106	16	,	,	PUNCT
fbem-11822	106	17	social	social	ADJ
fbem-11822	106	18	financing	financing	NOUN
fbem-11822	106	19	level	level	NOUN
fbem-11822	106	20	,	,	PUNCT
fbem-11822	106	21	capital	capital	NOUN
fbem-11822	106	22	liquidity	liquidity	NOUN
fbem-11822	106	23	management	management	NOUN
fbem-11822	106	24	,	,	PUNCT
fbem-11822	106	25	future	future	ADJ
fbem-11822	106	26	growth	growth	NOUN
fbem-11822	106	27	ability	ability	NOUN
fbem-11822	106	28	,	,	PUNCT
fbem-11822	106	29	bank	bank	NOUN
fbem-11822	106	30	asset	asset	NOUN
fbem-11822	106	31	quality	quality	NOUN
fbem-11822	106	32	,	,	PUNCT
fbem-11822	106	33	capital	capital	NOUN
fbem-11822	106	34	expansion	expansion	NOUN
fbem-11822	106	35	ability	ability	NOUN
fbem-11822	106	36	,	,	PUNCT
fbem-11822	106	37	capital	capital	NOUN
fbem-11822	106	38	structure	structure	NOUN
fbem-11822	106	39	management	management	NOUN
fbem-11822	106	40	,	,	PUNCT
fbem-11822	106	41	capital	capital	NOUN
fbem-11822	106	42	profit	profit	NOUN
fbem-11822	106	43	level	level	NOUN
fbem-11822	106	44	and	and	CCONJ
fbem-11822	106	45	so	so	ADV
fbem-11822	106	46	on	on	ADV
fbem-11822	106	47	.	.	PUNCT
fbem-11822	107	1	from	from	ADP
fbem-11822	107	2	this	this	DET
fbem-11822	107	3	point	point	NOUN
fbem-11822	107	4	of	of	ADP
fbem-11822	107	5	view	view	NOUN
fbem-11822	107	6	,	,	PUNCT
fbem-11822	107	7	profitability	profitability	NOUN
fbem-11822	107	8	is	be	AUX
fbem-11822	107	9	not	not	PART
fbem-11822	107	10	only	only	ADV
fbem-11822	107	11	limited	limit	VERB
fbem-11822	107	12	to	to	ADP
fbem-11822	107	13	the	the	DET
fbem-11822	107	14	value	value	NOUN
fbem-11822	107	15	creation	creation	NOUN
fbem-11822	107	16	of	of	ADP
fbem-11822	107	17	products	product	NOUN
fbem-11822	107	18	,	,	PUNCT
fbem-11822	107	19	but	but	CCONJ
fbem-11822	107	20	throughout	throughout	ADP
fbem-11822	107	21	the	the	DET
fbem-11822	107	22	whole	whole	ADJ
fbem-11822	107	23	process	process	NOUN
fbem-11822	107	24	of	of	ADP
fbem-11822	107	25	business	business	NOUN
fbem-11822	107	26	activities	activity	NOUN
fbem-11822	107	27	,	,	PUNCT
fbem-11822	107	28	is	be	AUX
fbem-11822	107	29	the	the	DET
fbem-11822	107	30	embodiment	embodiment	NOUN
fbem-11822	107	31	of	of	ADP
fbem-11822	107	32	commercial	commercial	ADJ
fbem-11822	107	33	banks	bank	NOUN
fbem-11822	107	34	'	'	PART
fbem-11822	107	35	comprehensive	comprehensive	ADJ
fbem-11822	107	36	management	management	NOUN
fbem-11822	107	37	ability	ability	NOUN
fbem-11822	107	38	.	.	PUNCT
fbem-11822	108	1	3.3	3.3	NUM
fbem-11822	108	2	.	.	PUNCT
fbem-11822	109	1	profitability	profitability	NOUN
fbem-11822	109	2	and	and	CCONJ
fbem-11822	109	3	profitability	profitability	NOUN
fbem-11822	109	4	model	model	NOUN
fbem-11822	109	5	the	the	DET
fbem-11822	109	6	profit	profit	NOUN
fbem-11822	109	7	model	model	NOUN
fbem-11822	109	8	of	of	ADP
fbem-11822	109	9	a	a	DET
fbem-11822	109	10	commercial	commercial	ADJ
fbem-11822	109	11	bank	bank	NOUN
fbem-11822	109	12	is	be	AUX
fbem-11822	109	13	the	the	DET
fbem-11822	109	14	premise	premise	NOUN
fbem-11822	109	15	to	to	PART
fbem-11822	109	16	determine	determine	VERB
fbem-11822	109	17	its	its	PRON
fbem-11822	109	18	profitability	profitability	NOUN
fbem-11822	109	19	,	,	PUNCT
fbem-11822	109	20	which	which	PRON
fbem-11822	109	21	can	can	AUX
fbem-11822	109	22	reflect	reflect	VERB
fbem-11822	109	23	the	the	DET
fbem-11822	109	24	profitability	profitability	NOUN
fbem-11822	109	25	of	of	ADP
fbem-11822	109	26	the	the	DET
fbem-11822	109	27	commercial	commercial	ADJ
fbem-11822	109	28	bank	bank	NOUN
fbem-11822	109	29	,	,	PUNCT
fbem-11822	109	30	the	the	DET
fbem-11822	109	31	efficiency	efficiency	NOUN
fbem-11822	109	32	of	of	ADP
fbem-11822	109	33	asset	asset	NOUN
fbem-11822	109	34	utilization	utilization	NOUN
fbem-11822	109	35	,	,	PUNCT
fbem-11822	109	36	and	and	CCONJ
fbem-11822	109	37	the	the	DET
fbem-11822	109	38	effectiveness	effectiveness	NOUN
fbem-11822	109	39	and	and	CCONJ
fbem-11822	109	40	level	level	NOUN
fbem-11822	109	41	of	of	ADP
fbem-11822	109	42	the	the	DET
fbem-11822	109	43	internal	internal	ADJ
fbem-11822	109	44	capital	capital	NOUN
fbem-11822	109	45	accumulation	accumulation	NOUN
fbem-11822	109	46	of	of	ADP
fbem-11822	109	47	the	the	DET
fbem-11822	109	48	organization	organization	NOUN
fbem-11822	109	49	.	.	PUNCT
fbem-11822	110	1	suyang	suyang	PROPN
fbem-11822	110	2	(	(	PUNCT
fbem-11822	110	3	2014)[28	2014)[28	PROPN
fbem-11822	110	4	]	]	X
fbem-11822	110	5	,	,	PUNCT
fbem-11822	110	6	jang	jang	PROPN
fbem-11822	110	7	dong	dong	PROPN
fbem-11822	110	8	-	-	PUNCT
fbem-11822	110	9	hwi	hwi	PROPN
fbem-11822	110	10	(	(	PUNCT
fbem-11822	110	11	2019)[23]through	2019)[23]through	NOUN
fbem-11822	110	12	the	the	DET
fbem-11822	110	13	research	research	NOUN
fbem-11822	110	14	of	of	ADP
fbem-11822	110	15	commercial	commercial	ADJ
fbem-11822	110	16	banks	bank	NOUN
fbem-11822	110	17	,	,	PUNCT
fbem-11822	110	18	there	there	PRON
fbem-11822	110	19	is	be	VERB
fbem-11822	110	20	a	a	DET
fbem-11822	110	21	significant	significant	ADJ
fbem-11822	110	22	correlation	correlation	NOUN
fbem-11822	110	23	between	between	ADP
fbem-11822	110	24	profitability	profitability	NOUN
fbem-11822	110	25	model	model	NOUN
fbem-11822	110	26	and	and	CCONJ
fbem-11822	110	27	profitability	profitability	NOUN
fbem-11822	110	28	,	,	PUNCT
fbem-11822	110	29	it	it	PRON
fbem-11822	110	30	is	be	AUX
fbem-11822	110	31	of	of	ADP
fbem-11822	110	32	great	great	ADJ
fbem-11822	110	33	significance	significance	NOUN
fbem-11822	110	34	to	to	PART
fbem-11822	110	35	explore	explore	VERB
fbem-11822	110	36	how	how	SCONJ
fbem-11822	110	37	to	to	PART
fbem-11822	110	38	enhance	enhance	VERB
fbem-11822	110	39	the	the	DET
fbem-11822	110	40	profitability	profitability	NOUN
fbem-11822	110	41	of	of	ADP
fbem-11822	110	42	commercial	commercial	ADJ
fbem-11822	110	43	banks	bank	NOUN
fbem-11822	110	44	from	from	ADP
fbem-11822	110	45	the	the	DET
fbem-11822	110	46	perspective	perspective	NOUN
fbem-11822	110	47	of	of	ADP
fbem-11822	110	48	the	the	DET
fbem-11822	110	49	transformation	transformation	NOUN
fbem-11822	110	50	and	and	CCONJ
fbem-11822	110	51	upgrading	upgrading	NOUN
fbem-11822	110	52	of	of	ADP
fbem-11822	110	53	profit	profit	NOUN
fbem-11822	110	54	models	model	NOUN
fbem-11822	110	55	.	.	PUNCT
fbem-11822	111	1	better	well	ADJ
fbem-11822	111	2	profitability	profitability	NOUN
fbem-11822	111	3	helps	help	VERB
fbem-11822	111	4	to	to	PART
fbem-11822	111	5	enhance	enhance	VERB
fbem-11822	111	6	market	market	NOUN
fbem-11822	111	7	confidence	confidence	NOUN
fbem-11822	111	8	,	,	PUNCT
fbem-11822	111	9	ensure	ensure	VERB
fbem-11822	111	10	the	the	DET
fbem-11822	111	11	safety	safety	NOUN
fbem-11822	111	12	of	of	ADP
fbem-11822	111	13	bank	bank	NOUN
fbem-11822	111	14	assets	asset	NOUN
fbem-11822	111	15	,	,	PUNCT
fbem-11822	111	16	reduce	reduce	VERB
fbem-11822	111	17	liquidity	liquidity	NOUN
fbem-11822	111	18	risk	risk	NOUN
fbem-11822	111	19	,	,	PUNCT
fbem-11822	111	20	and	and	CCONJ
fbem-11822	111	21	maintain	maintain	VERB
fbem-11822	111	22	the	the	DET
fbem-11822	111	23	stability	stability	NOUN
fbem-11822	111	24	of	of	ADP
fbem-11822	111	25	the	the	DET
fbem-11822	111	26	credit	credit	NOUN
fbem-11822	111	27	system	system	NOUN
fbem-11822	111	28	.	.	PUNCT
fbem-11822	112	1	4	4	X
fbem-11822	112	2	.	.	X
fbem-11822	112	3	literature	literature	NOUN
fbem-11822	112	4	review	review	NOUN
fbem-11822	112	5	and	and	CCONJ
fbem-11822	112	6	analysis	analysis	NOUN
fbem-11822	112	7	on	on	ADP
fbem-11822	112	8	the	the	DET
fbem-11822	112	9	improvement	improvement	NOUN
fbem-11822	112	10	of	of	ADP
fbem-11822	112	11	profit	profit	NOUN
fbem-11822	112	12	model	model	NOUN
fbem-11822	112	13	under	under	ADP
fbem-11822	112	14	internet	internet	NOUN
fbem-11822	112	15	finance	finance	NOUN
fbem-11822	112	16	most	most	ADJ
fbem-11822	112	17	of	of	ADP
fbem-11822	112	18	the	the	DET
fbem-11822	112	19	scholars	scholar	NOUN
fbem-11822	112	20	discuss	discuss	VERB
fbem-11822	112	21	the	the	DET
fbem-11822	112	22	improvement	improvement	NOUN
fbem-11822	112	23	of	of	ADP
fbem-11822	112	24	commercial	commercial	ADJ
fbem-11822	112	25	banks	bank	NOUN
fbem-11822	112	26	'	'	PART
fbem-11822	112	27	profit	profit	NOUN
fbem-11822	112	28	model	model	NOUN
fbem-11822	112	29	,	,	PUNCT
fbem-11822	112	30	and	and	CCONJ
fbem-11822	112	31	most	most	ADJ
fbem-11822	112	32	of	of	ADP
fbem-11822	112	33	them	they	PRON
fbem-11822	112	34	pay	pay	VERB
fbem-11822	112	35	attention	attention	NOUN
fbem-11822	112	36	to	to	ADP
fbem-11822	112	37	the	the	DET
fbem-11822	112	38	specific	specific	ADJ
fbem-11822	112	39	improvement	improvement	NOUN
fbem-11822	112	40	measures	measure	NOUN
fbem-11822	112	41	,	,	PUNCT
fbem-11822	112	42	such	such	ADJ
fbem-11822	112	43	as	as	ADP
fbem-11822	112	44	diversified	diversified	ADJ
fbem-11822	112	45	operation	operation	NOUN
fbem-11822	112	46	,	,	PUNCT
fbem-11822	112	47	financial	financial	ADJ
fbem-11822	112	48	technology	technology	NOUN
fbem-11822	112	49	,	,	PUNCT
fbem-11822	112	50	etc	etc	X
fbem-11822	112	51	.	.	X
fbem-11822	112	52	less	less	ADJ
fbem-11822	112	53	attention	attention	NOUN
fbem-11822	112	54	has	have	AUX
fbem-11822	112	55	been	be	AUX
fbem-11822	112	56	paid	pay	VERB
fbem-11822	112	57	to	to	ADP
fbem-11822	112	58	the	the	DET
fbem-11822	112	59	impact	impact	NOUN
fbem-11822	112	60	of	of	ADP
fbem-11822	112	61	the	the	DET
fbem-11822	112	62	improved	improved	ADJ
fbem-11822	112	63	profit	profit	NOUN
fbem-11822	112	64	model	model	NOUN
fbem-11822	112	65	of	of	ADP
fbem-11822	112	66	commercial	commercial	ADJ
fbem-11822	112	67	banks	bank	NOUN
fbem-11822	112	68	.	.	PUNCT
fbem-11822	113	1	the	the	DET
fbem-11822	113	2	intermediary	intermediary	ADJ
fbem-11822	113	3	effect	effect	NOUN
fbem-11822	113	4	model	model	NOUN
fbem-11822	113	5	,	,	PUNCT
fbem-11822	113	6	regression	regression	VERB
fbem-11822	113	7	analysis	analysis	NOUN
fbem-11822	113	8	,	,	PUNCT
fbem-11822	113	9	roa	roa	PROPN
fbem-11822	113	10	,	,	PUNCT
fbem-11822	113	11	roe	roe	PROPN
fbem-11822	113	12	,	,	PUNCT
fbem-11822	113	13	eva	eva	PROPN
fbem-11822	113	14	,	,	PUNCT
fbem-11822	113	15	reva	reva	PROPN
fbem-11822	113	16	and	and	CCONJ
fbem-11822	113	17	so	so	ADV
fbem-11822	113	18	on	on	ADV
fbem-11822	113	19	are	be	AUX
fbem-11822	113	20	often	often	ADV
fbem-11822	113	21	used	use	VERB
fbem-11822	113	22	in	in	ADP
fbem-11822	113	23	the	the	DET
fbem-11822	113	24	study	study	NOUN
fbem-11822	113	25	of	of	ADP
fbem-11822	113	26	commercial	commercial	ADJ
fbem-11822	113	27	bank	bank	PROPN
fbem-11822	113	28	profit	profit	NOUN
fbem-11822	113	29	model	model	NOUN
fbem-11822	113	30	.	.	PUNCT
fbem-11822	114	1	(	(	PUNCT
fbem-11822	114	2	1	1	X
fbem-11822	114	3	)	)	PUNCT
fbem-11822	114	4	measures	measure	NOUN
fbem-11822	114	5	to	to	PART
fbem-11822	114	6	improve	improve	VERB
fbem-11822	114	7	the	the	DET
fbem-11822	114	8	profit	profit	NOUN
fbem-11822	114	9	model	model	NOUN
fbem-11822	114	10	with	with	ADP
fbem-11822	114	11	the	the	DET
fbem-11822	114	12	rapid	rapid	ADJ
fbem-11822	114	13	development	development	NOUN
fbem-11822	114	14	of	of	ADP
fbem-11822	114	15	internet	internet	NOUN
fbem-11822	114	16	finance	finance	NOUN
fbem-11822	114	17	,	,	PUNCT
fbem-11822	114	18	commercial	commercial	ADJ
fbem-11822	114	19	banks	bank	NOUN
fbem-11822	114	20	have	have	AUX
fbem-11822	114	21	been	be	AUX
fbem-11822	114	22	forced	force	VERB
fbem-11822	114	23	to	to	PART
fbem-11822	114	24	transform	transform	VERB
fbem-11822	114	25	from	from	ADP
fbem-11822	114	26	a	a	DET
fbem-11822	114	27	single	single	ADJ
fbem-11822	114	28	loan	loan	NOUN
fbem-11822	114	29	-	-	PUNCT
fbem-11822	114	30	deposit	deposit	NOUN
fbem-11822	114	31	-	-	PUNCT
fbem-11822	114	32	interest	interest	NOUN
fbem-11822	114	33	-	-	PUNCT
fbem-11822	114	34	spread	spread	NOUN
fbem-11822	114	35	profit	profit	NOUN
fbem-11822	114	36	model	model	NOUN
fbem-11822	114	37	to	to	ADP
fbem-11822	114	38	diversified	diversify	VERB
fbem-11822	114	39	operation	operation	NOUN
fbem-11822	114	40	.	.	PUNCT
fbem-11822	115	1	wang	wang	PROPN
fbem-11822	115	2	manshu	manshu	PROPN
fbem-11822	115	3	and	and	CCONJ
fbem-11822	115	4	liu	liu	PROPN
fbem-11822	115	5	xiaofang	xiaofang	PROPN
fbem-11822	116	1	(	(	PUNCT
fbem-11822	116	2	2013)[30]pointed	2013)[30]pointe	VERB
fbem-11822	116	3	out	out	ADP
fbem-11822	116	4	that	that	SCONJ
fbem-11822	116	5	the	the	DET
fbem-11822	116	6	rising	rise	VERB
fbem-11822	116	7	proportion	proportion	NOUN
fbem-11822	116	8	of	of	ADP
fbem-11822	116	9	noninterest	noninter	ADJ
fbem-11822	116	10	income	income	NOUN
fbem-11822	116	11	can	can	AUX
fbem-11822	116	12	positively	positively	ADV
fbem-11822	116	13	affect	affect	VERB
fbem-11822	116	14	the	the	DET
fbem-11822	116	15	profitability	profitability	NOUN
fbem-11822	116	16	of	of	ADP
fbem-11822	116	17	banks	bank	NOUN
fbem-11822	116	18	,	,	PUNCT
fbem-11822	116	19	and	and	CCONJ
fbem-11822	116	20	the	the	DET
fbem-11822	116	21	optimization	optimization	NOUN
fbem-11822	116	22	of	of	ADP
fbem-11822	116	23	income	income	NOUN
fbem-11822	116	24	structure	structure	NOUN
fbem-11822	116	25	can	can	AUX
fbem-11822	116	26	help	help	VERB
fbem-11822	116	27	to	to	PART
fbem-11822	116	28	continuously	continuously	ADV
fbem-11822	116	29	improve	improve	VERB
fbem-11822	116	30	the	the	DET
fbem-11822	116	31	profitability	profitability	NOUN
fbem-11822	116	32	of	of	ADP
fbem-11822	116	33	banks	bank	NOUN
fbem-11822	116	34	.	.	PUNCT
fbem-11822	117	1	wu	wu	PROPN
fbem-11822	117	2	liujie	liujie	PROPN
fbem-11822	117	3	and	and	CCONJ
fbem-11822	117	4	qiao	qiao	PROPN
fbem-11822	117	5	guiming	guiming	NOUN
fbem-11822	117	6	(	(	PUNCT
fbem-11822	117	7	2016)[31]also	2016)[31]also	ADV
fbem-11822	117	8	believe	believe	VERB
fbem-11822	117	9	that	that	SCONJ
fbem-11822	117	10	diversification	diversification	NOUN
fbem-11822	117	11	is	be	AUX
fbem-11822	117	12	an	an	DET
fbem-11822	117	13	important	important	ADJ
fbem-11822	117	14	channel	channel	NOUN
fbem-11822	117	15	to	to	PART
fbem-11822	117	16	affect	affect	VERB
fbem-11822	117	17	bank	bank	NOUN
fbem-11822	117	18	profits	profit	NOUN
fbem-11822	117	19	,	,	PUNCT
fbem-11822	117	20	and	and	CCONJ
fbem-11822	117	21	the	the	DET
fbem-11822	117	22	growth	growth	NOUN
fbem-11822	117	23	of	of	ADP
fbem-11822	117	24	intermediary	intermediary	ADJ
fbem-11822	117	25	business	business	NOUN
fbem-11822	117	26	income	income	NOUN
fbem-11822	117	27	is	be	AUX
fbem-11822	117	28	an	an	DET
fbem-11822	117	29	important	important	ADJ
fbem-11822	117	30	way	way	NOUN
fbem-11822	117	31	to	to	PART
fbem-11822	117	32	measure	measure	VERB
fbem-11822	117	33	the	the	DET
fbem-11822	117	34	diversification	diversification	NOUN
fbem-11822	117	35	of	of	ADP
fbem-11822	117	36	banking	banking	NOUN
fbem-11822	117	37	business	business	NOUN
fbem-11822	117	38	and	and	CCONJ
fbem-11822	117	39	profit	profit	NOUN
fbem-11822	117	40	model	model	NOUN
fbem-11822	117	41	.	.	PUNCT
fbem-11822	118	1	bao	bao	PROPN
fbem-11822	118	2	yunxi	yunxi	PROPN
fbem-11822	118	3	(	(	PUNCT
fbem-11822	118	4	2019)[32]based	2019)[32]base	VERB
fbem-11822	118	5	on	on	ADP
fbem-11822	118	6	pvar	pvar	ADJ
fbem-11822	118	7	analysis	analysis	NOUN
fbem-11822	118	8	,	,	PUNCT
fbem-11822	118	9	found	find	VERB
fbem-11822	118	10	that	that	SCONJ
fbem-11822	118	11	internet	internet	NOUN
fbem-11822	118	12	finance	finance	NOUN
fbem-11822	118	13	has	have	AUX
fbem-11822	118	14	forced	force	VERB
fbem-11822	118	15	commercial	commercial	ADJ
fbem-11822	118	16	banks	bank	NOUN
fbem-11822	118	17	to	to	PART
fbem-11822	118	18	diversify	diversify	VERB
fbem-11822	118	19	from	from	ADP
fbem-11822	118	20	a	a	DET
fbem-11822	118	21	single	single	ADJ
fbem-11822	118	22	interest	interest	NOUN
fbem-11822	118	23	rate	rate	NOUN
fbem-11822	118	24	differential	differential	NOUN
fbem-11822	118	25	,	,	PUNCT
fbem-11822	118	26	in	in	ADP
fbem-11822	118	27	the	the	DET
fbem-11822	118	28	past	past	NOUN
fbem-11822	118	29	,	,	PUNCT
fbem-11822	118	30	commercial	commercial	ADJ
fbem-11822	118	31	banks	bank	NOUN
fbem-11822	118	32	only	only	ADV
fbem-11822	118	33	focus	focus	VERB
fbem-11822	118	34	on	on	ADP
fbem-11822	118	35	big	big	ADJ
fbem-11822	118	36	and	and	CCONJ
fbem-11822	118	37	wholesale	wholesale	ADJ
fbem-11822	118	38	customers	customer	NOUN
fbem-11822	118	39	to	to	PART
fbem-11822	118	40	create	create	VERB
fbem-11822	118	41	wealth	wealth	NOUN
fbem-11822	118	42	management	management	NOUN
fbem-11822	118	43	services	service	NOUN
fbem-11822	118	44	for	for	ADP
fbem-11822	118	45	different	different	ADJ
fbem-11822	118	46	customers	customer	NOUN
fbem-11822	118	47	.	.	PUNCT
fbem-11822	119	1	the	the	DET
fbem-11822	119	2	improvement	improvement	NOUN
fbem-11822	119	3	of	of	ADP
fbem-11822	119	4	commercial	commercial	ADJ
fbem-11822	119	5	banks	bank	NOUN
fbem-11822	119	6	'	'	PART
fbem-11822	119	7	operating	operating	NOUN
fbem-11822	119	8	efficiency	efficiency	NOUN
fbem-11822	119	9	in	in	ADP
fbem-11822	119	10	turn	turn	NOUN
fbem-11822	119	11	promotes	promote	VERB
fbem-11822	119	12	the	the	DET
fbem-11822	119	13	development	development	NOUN
fbem-11822	119	14	of	of	ADP
fbem-11822	119	15	third	third	ADJ
fbem-11822	119	16	-	-	PUNCT
fbem-11822	119	17	party	party	NOUN
fbem-11822	119	18	payment	payment	NOUN
fbem-11822	119	19	services	service	NOUN
fbem-11822	119	20	.	.	PUNCT
fbem-11822	120	1	wang	wang	PROPN
fbem-11822	120	2	xiao	xiao	PROPN
fbem-11822	120	3	and	and	CCONJ
fbem-11822	120	4	li	li	PROPN
fbem-11822	120	5	jia	jia	PROPN
fbem-11822	120	6	(	(	PUNCT
fbem-11822	120	7	2021)[33]argue	2021)[33]argue	NOUN
fbem-11822	120	8	that	that	PRON
fbem-11822	120	9	the	the	DET
fbem-11822	120	10	more	more	ADV
fbem-11822	120	11	diversified	diversify	VERB
fbem-11822	120	12	a	a	DET
fbem-11822	120	13	bank	bank	NOUN
fbem-11822	120	14	's	's	PART
fbem-11822	120	15	business	business	NOUN
fbem-11822	120	16	is	be	AUX
fbem-11822	120	17	,	,	PUNCT
fbem-11822	120	18	the	the	PRON
fbem-11822	120	19	better	well	ADJ
fbem-11822	120	20	its	its	PRON
fbem-11822	120	21	earnings	earning	NOUN
fbem-11822	120	22	growth	growth	NOUN
fbem-11822	120	23	will	will	AUX
fbem-11822	120	24	be	be	AUX
fbem-11822	120	25	,	,	PUNCT
fbem-11822	120	26	at	at	ADP
fbem-11822	120	27	the	the	DET
fbem-11822	120	28	same	same	ADJ
fbem-11822	120	29	time	time	NOUN
fbem-11822	120	30	for	for	ADP
fbem-11822	120	31	the	the	DET
fbem-11822	120	32	asset	asset	NOUN
fbem-11822	120	33	liquidity	liquidity	NOUN
fbem-11822	120	34	structure	structure	NOUN
fbem-11822	120	35	more	more	ADV
fbem-11822	120	36	reasonable	reasonable	ADJ
fbem-11822	120	37	,	,	PUNCT
fbem-11822	120	38	lower	low	ADJ
fbem-11822	120	39	level	level	NOUN
fbem-11822	120	40	of	of	ADP
fbem-11822	120	41	risk	risk	NOUN
fbem-11822	120	42	-	-	PUNCT
fbem-11822	120	43	taking	taking	NOUN
fbem-11822	120	44	,	,	PUNCT
fbem-11822	120	45	capital	capital	NOUN
fbem-11822	120	46	adequacy	adequacy	NOUN
fbem-11822	120	47	and	and	CCONJ
fbem-11822	120	48	better	well	ADJ
fbem-11822	120	49	performance	performance	NOUN
fbem-11822	120	50	.	.	PUNCT
fbem-11822	121	1	the	the	DET
fbem-11822	121	2	regulatory	regulatory	ADJ
fbem-11822	121	3	authorities	authority	NOUN
fbem-11822	121	4	should	should	AUX
fbem-11822	121	5	pay	pay	VERB
fbem-11822	121	6	attention	attention	NOUN
fbem-11822	121	7	to	to	ADP
fbem-11822	121	8	the	the	DET
fbem-11822	121	9	comprehensive	comprehensive	ADJ
fbem-11822	121	10	observation	observation	NOUN
fbem-11822	121	11	of	of	ADP
fbem-11822	121	12	the	the	DET
fbem-11822	121	13	microstructure	microstructure	NOUN
fbem-11822	121	14	of	of	ADP
fbem-11822	121	15	small	small	ADJ
fbem-11822	121	16	and	and	CCONJ
fbem-11822	121	17	medium	medium	ADJ
fbem-11822	121	18	-	-	PUNCT
fbem-11822	121	19	sized	sized	ADJ
fbem-11822	121	20	banks	bank	NOUN
fbem-11822	121	21	,	,	PUNCT
fbem-11822	121	22	implement	implement	VERB
fbem-11822	121	23	different	different	ADJ
fbem-11822	121	24	incentives	incentive	NOUN
fbem-11822	121	25	for	for	ADP
fbem-11822	121	26	banks	bank	NOUN
fbem-11822	121	27	with	with	ADP
fbem-11822	121	28	different	different	ADJ
fbem-11822	121	29	risk	risk	NOUN
fbem-11822	121	30	-	-	PUNCT
fbem-11822	121	31	taking	take	VERB
fbem-11822	121	32	capacities	capacity	NOUN
fbem-11822	121	33	,	,	PUNCT
fbem-11822	121	34	or	or	CCONJ
fbem-11822	121	35	restrain	restrain	VERB
fbem-11822	121	36	financial	financial	ADJ
fbem-11822	121	37	sunac	sunac	ADJ
fbem-11822	121	38	measures	measure	NOUN
fbem-11822	121	39	,	,	PUNCT
fbem-11822	121	40	strive	strive	VERB
fbem-11822	121	41	to	to	PART
fbem-11822	121	42	prevent	prevent	VERB
fbem-11822	121	43	risks	risk	NOUN
fbem-11822	121	44	and	and	CCONJ
fbem-11822	121	45	achieve	achieve	VERB
fbem-11822	121	46	diversification	diversification	NOUN
fbem-11822	121	47	between	between	ADP
fbem-11822	121	48	the	the	DET
fbem-11822	121	49	pursuit	pursuit	NOUN
fbem-11822	121	50	of	of	ADP
fbem-11822	121	51	balance	balance	NOUN
fbem-11822	121	52	.	.	PUNCT
fbem-11822	122	1	some	some	DET
fbem-11822	122	2	scholars	scholar	NOUN
fbem-11822	122	3	believe	believe	VERB
fbem-11822	122	4	that	that	SCONJ
fbem-11822	122	5	commercial	commercial	ADJ
fbem-11822	122	6	banks	bank	NOUN
fbem-11822	122	7	should	should	AUX
fbem-11822	122	8	actively	actively	ADV
fbem-11822	122	9	integrate	integrate	VERB
fbem-11822	122	10	with	with	ADP
fbem-11822	122	11	fintech	fintech	NOUN
fbem-11822	122	12	.	.	PUNCT
fbem-11822	123	1	fang	fang	PROPN
fbem-11822	123	2	fang	fang	PROPN
fbem-11822	123	3	kullander	kullander	PROPN
fbem-11822	123	4	and	and	CCONJ
fbem-11822	123	5	chen	chen	PROPN
fbem-11822	123	6	chen	chen	PROPN
fbem-11822	124	1	(	(	PUNCT
fbem-11822	124	2	2021)[34]point	2021)[34]point	VERB
fbem-11822	124	3	out	out	ADP
fbem-11822	124	4	that	that	SCONJ
fbem-11822	124	5	online	online	ADJ
fbem-11822	124	6	finance	finance	NOUN
fbem-11822	124	7	diverts	divert	VERB
fbem-11822	124	8	customer	customer	NOUN
fbem-11822	124	9	funds	fund	NOUN
fbem-11822	124	10	,	,	PUNCT
fbem-11822	124	11	resulting	result	VERB
fbem-11822	124	12	in	in	ADP
fbem-11822	124	13	a	a	DET
fbem-11822	124	14	decline	decline	NOUN
fbem-11822	124	15	in	in	ADP
fbem-11822	124	16	bank	bank	NOUN
fbem-11822	124	17	certificates	certificate	NOUN
fbem-11822	124	18	of	of	ADP
fbem-11822	124	19	deposit	deposit	NOUN
fbem-11822	124	20	,	,	PUNCT
fbem-11822	124	21	the	the	DET
fbem-11822	124	22	gap	gap	NOUN
fbem-11822	124	23	between	between	ADP
fbem-11822	124	24	certificates	certificate	NOUN
fbem-11822	124	25	of	of	ADP
fbem-11822	124	26	deposit	deposit	NOUN
fbem-11822	124	27	(	(	PUNCT
fbem-11822	124	28	cds	cds	PROPN
fbem-11822	124	29	)	)	PUNCT
fbem-11822	124	30	and	and	CCONJ
fbem-11822	124	31	liabilities	liability	NOUN
fbem-11822	124	32	in	in	ADP
fbem-11822	124	33	commercial	commercial	ADJ
fbem-11822	124	34	banks	bank	NOUN
fbem-11822	124	35	is	be	AUX
fbem-11822	124	36	the	the	DET
fbem-11822	124	37	biggest	big	ADJ
fbem-11822	124	38	,	,	PUNCT
fbem-11822	124	39	which	which	PRON
fbem-11822	124	40	leads	lead	VERB
fbem-11822	124	41	to	to	ADP
fbem-11822	124	42	the	the	DET
fbem-11822	124	43	change	change	NOUN
fbem-11822	124	44	of	of	ADP
fbem-11822	124	45	deposit	deposit	NOUN
fbem-11822	124	46	structure	structure	NOUN
fbem-11822	124	47	.	.	PUNCT
fbem-11822	125	1	online	online	ADJ
fbem-11822	125	2	financial	financial	ADJ
fbem-11822	125	3	platforms	platform	NOUN
fbem-11822	125	4	such	such	ADJ
fbem-11822	125	5	as	as	ADP
fbem-11822	125	6	yu'e	yu'e	PRON
fbem-11822	125	7	bao	bao	PROPN
fbem-11822	125	8	and	and	CCONJ
fbem-11822	125	9	wechat	wechat	PROPN
fbem-11822	125	10	pay	pay	PROPN
fbem-11822	125	11	act	act	NOUN
fbem-11822	125	12	as	as	ADP
fbem-11822	125	13	intermediaries	intermediary	NOUN
fbem-11822	125	14	between	between	ADP
fbem-11822	125	15	commercial	commercial	ADJ
fbem-11822	125	16	banks	bank	NOUN
fbem-11822	125	17	and	and	CCONJ
fbem-11822	125	18	users	user	NOUN
fbem-11822	125	19	,	,	PUNCT
fbem-11822	125	20	and	and	CCONJ
fbem-11822	125	21	charge	charge	VERB
fbem-11822	125	22	intermediary	intermediary	NOUN
fbem-11822	125	23	fees	fee	NOUN
fbem-11822	125	24	from	from	ADP
fbem-11822	125	25	commercial	commercial	ADJ
fbem-11822	125	26	banks	bank	NOUN
fbem-11822	125	27	,	,	PUNCT
fbem-11822	125	28	a	a	DET
fbem-11822	125	29	move	move	NOUN
fbem-11822	125	30	that	that	PRON
fbem-11822	125	31	increases	increase	VERB
fbem-11822	125	32	the	the	DET
fbem-11822	125	33	cost	cost	NOUN
fbem-11822	125	34	of	of	ADP
fbem-11822	125	35	debt	debt	NOUN
fbem-11822	125	36	for	for	ADP
fbem-11822	125	37	commercial	commercial	ADJ
fbem-11822	125	38	banks	bank	NOUN
fbem-11822	125	39	.	.	PUNCT
fbem-11822	126	1	commercial	commercial	ADJ
fbem-11822	126	2	banks	bank	NOUN
fbem-11822	126	3	'	'	PART
fbem-11822	126	4	profit	profit	NOUN
fbem-11822	126	5	margins	margin	NOUN
fbem-11822	126	6	have	have	AUX
fbem-11822	126	7	been	be	AUX
fbem-11822	126	8	squeezed	squeeze	VERB
fbem-11822	126	9	,	,	PUNCT
fbem-11822	126	10	prompting	prompt	VERB
fbem-11822	126	11	them	they	PRON
fbem-11822	126	12	to	to	PART
fbem-11822	126	13	favour	favour	VERB
fbem-11822	126	14	risky	risky	ADJ
fbem-11822	126	15	investments	investment	NOUN
fbem-11822	126	16	in	in	ADP
fbem-11822	126	17	order	order	NOUN
fbem-11822	126	18	to	to	PART
fbem-11822	126	19	make	make	VERB
fbem-11822	126	20	big	big	ADJ
fbem-11822	126	21	profits	profit	NOUN
fbem-11822	126	22	.	.	PUNCT
fbem-11822	127	1	the	the	DET
fbem-11822	127	2	commercial	commercial	ADJ
fbem-11822	127	3	banks	bank	NOUN
fbem-11822	127	4	should	should	AUX
fbem-11822	127	5	build	build	VERB
fbem-11822	127	6	a	a	DET
fbem-11822	127	7	risk	risk	NOUN
fbem-11822	127	8	firewall	firewall	NOUN
fbem-11822	127	9	,	,	PUNCT
fbem-11822	127	10	actively	actively	ADV
fbem-11822	127	11	promote	promote	VERB
fbem-11822	127	12	the	the	DET
fbem-11822	127	13	deep	deep	ADJ
fbem-11822	127	14	integration	integration	NOUN
fbem-11822	127	15	of	of	ADP
fbem-11822	127	16	fintech	fintech	NOUN
fbem-11822	127	17	and	and	CCONJ
fbem-11822	127	18	existing	exist	VERB
fbem-11822	127	19	business	business	NOUN
fbem-11822	127	20	,	,	PUNCT
fbem-11822	127	21	and	and	CCONJ
fbem-11822	127	22	avoid	avoid	VERB
fbem-11822	127	23	the	the	DET
fbem-11822	127	24	influence	influence	NOUN
fbem-11822	127	25	of	of	ADP
fbem-11822	127	26	internet	internet	NOUN
fbem-11822	127	27	finance	finance	NOUN
fbem-11822	127	28	on	on	ADP
fbem-11822	127	29	the	the	DET
fbem-11822	127	30	liabilities	liability	NOUN
fbem-11822	127	31	of	of	ADP
fbem-11822	127	32	banks	bank	NOUN
fbem-11822	127	33	,	,	PUNCT
fbem-11822	127	34	which	which	PRON
fbem-11822	127	35	will	will	AUX
fbem-11822	127	36	increase	increase	VERB
fbem-11822	127	37	the	the	DET
fbem-11822	127	38	level	level	NOUN
fbem-11822	127	39	of	of	ADP
fbem-11822	127	40	risk	risk	NOUN
fbem-11822	127	41	-	-	PUNCT
fbem-11822	127	42	taking	taking	NOUN
fbem-11822	127	43	of	of	ADP
fbem-11822	127	44	banks	bank	NOUN
fbem-11822	127	45	.	.	PUNCT
fbem-11822	128	1	in	in	ADP
fbem-11822	128	2	view	view	NOUN
fbem-11822	128	3	of	of	ADP
fbem-11822	128	4	the	the	DET
fbem-11822	128	5	high	high	ADJ
fbem-11822	128	6	cost	cost	NOUN
fbem-11822	128	7	of	of	ADP
fbem-11822	128	8	developing	develop	VERB
fbem-11822	128	9	financial	financial	ADJ
fbem-11822	128	10	technology	technology	NOUN
fbem-11822	128	11	,	,	PUNCT
fbem-11822	128	12	some	some	DET
fbem-11822	128	13	banks	bank	NOUN
fbem-11822	128	14	through	through	ADP
fbem-11822	128	15	cooperation	cooperation	NOUN
fbem-11822	128	16	with	with	ADP
fbem-11822	128	17	the	the	DET
fbem-11822	128	18	internet	internet	NOUN
fbem-11822	128	19	financial	financial	ADJ
fbem-11822	128	20	platform	platform	NOUN
fbem-11822	128	21	to	to	PART
fbem-11822	128	22	reduce	reduce	VERB
fbem-11822	128	23	costs	cost	NOUN
fbem-11822	128	24	and	and	CCONJ
fbem-11822	128	25	improve	improve	VERB
fbem-11822	128	26	profitability	profitability	NOUN
fbem-11822	128	27	.	.	PUNCT
fbem-11822	129	1	xiong	xiong	PROPN
fbem-11822	129	2	jian	jian	PROPN
fbem-11822	129	3	(	(	PUNCT
fbem-11822	129	4	2022)[35]considered	2022)[35]considered	NUM
fbem-11822	129	5	that	that	SCONJ
fbem-11822	129	6	the	the	DET
fbem-11822	129	7	role	role	NOUN
fbem-11822	129	8	of	of	ADP
fbem-11822	129	9	cooperation	cooperation	NOUN
fbem-11822	129	10	with	with	ADP
fbem-11822	129	11	external	external	ADJ
fbem-11822	129	12	fintech	fintech	NOUN
fbem-11822	129	13	enterprises	enterprise	NOUN
fbem-11822	129	14	in	in	ADP
fbem-11822	129	15	enhancing	enhance	VERB
fbem-11822	129	16	the	the	DET
fbem-11822	129	17	prior	prior	ADJ
fbem-11822	129	18	risk	risk	NOUN
fbem-11822	129	19	-	-	PUNCT
fbem-11822	129	20	taking	taking	NOUN
fbem-11822	129	21	of	of	ADP
fbem-11822	129	22	small	small	ADJ
fbem-11822	129	23	and	and	CCONJ
fbem-11822	129	24	medium	medium	ADJ
fbem-11822	129	25	-	-	PUNCT
fbem-11822	129	26	sized	sized	ADJ
fbem-11822	129	27	banks	bank	NOUN
fbem-11822	129	28	is	be	AUX
fbem-11822	129	29	mainly	mainly	ADV
fbem-11822	129	30	embodied	embody	VERB
fbem-11822	129	31	in	in	ADP
fbem-11822	129	32	small	small	ADJ
fbem-11822	129	33	-	-	PUNCT
fbem-11822	129	34	scale	scale	NOUN
fbem-11822	129	35	,	,	PUNCT
fbem-11822	129	36	low	low	ADJ
fbem-11822	129	37	-	-	PUNCT
fbem-11822	129	38	profit	profit	NOUN
fbem-11822	129	39	banks	bank	NOUN
fbem-11822	129	40	,	,	PUNCT
fbem-11822	129	41	to	to	ADP
fbem-11822	129	42	the	the	DET
fbem-11822	129	43	small	small	ADJ
fbem-11822	129	44	and	and	CCONJ
fbem-11822	129	45	medium	medium	ADJ
fbem-11822	129	46	-	-	PUNCT
fbem-11822	129	47	sized	sized	ADJ
fbem-11822	129	48	bank	bank	NOUN
fbem-11822	129	49	after	after	ADP
fbem-11822	129	50	the	the	DET
fbem-11822	129	51	reduction	reduction	NOUN
fbem-11822	129	52	of	of	ADP
fbem-11822	129	53	risk	risk	NOUN
fbem-11822	129	54	-	-	PUNCT
fbem-11822	129	55	taking	taking	NOUN
fbem-11822	129	56	mainly	mainly	ADV
fbem-11822	129	57	reflected	reflect	VERB
fbem-11822	129	58	in	in	ADP
fbem-11822	129	59	the	the	DET
fbem-11822	129	60	role	role	NOUN
fbem-11822	129	61	of	of	ADP
fbem-11822	129	62	large	large	ADJ
fbem-11822	129	63	-	-	PUNCT
fbem-11822	129	64	scale	scale	NOUN
fbem-11822	129	65	,	,	PUNCT
fbem-11822	129	66	high	high	ADJ
fbem-11822	129	67	-	-	PUNCT
fbem-11822	129	68	profit	profit	NOUN
fbem-11822	129	69	banks	bank	NOUN
fbem-11822	129	70	.	.	PUNCT
fbem-11822	130	1	(	(	PUNCT
fbem-11822	130	2	2	2	X
fbem-11822	130	3	)	)	PUNCT
fbem-11822	130	4	the	the	DET
fbem-11822	130	5	analysis	analysis	NOUN
fbem-11822	130	6	method	method	NOUN
fbem-11822	130	7	of	of	ADP
fbem-11822	130	8	profit	profit	NOUN
fbem-11822	130	9	model	model	NOUN
fbem-11822	130	10	research	research	NOUN
fbem-11822	130	11	regression	regression	NOUN
fbem-11822	130	12	analysis	analysis	NOUN
fbem-11822	130	13	is	be	AUX
fbem-11822	130	14	a	a	DET
fbem-11822	130	15	commonly	commonly	ADV
fbem-11822	130	16	used	use	VERB
fbem-11822	130	17	analytical	analytical	ADJ
fbem-11822	130	18	method	method	NOUN
fbem-11822	130	19	for	for	ADP
fbem-11822	130	20	the	the	DET
fbem-11822	130	21	study	study	NOUN
fbem-11822	130	22	of	of	ADP
fbem-11822	130	23	profit	profit	NOUN
fbem-11822	130	24	models	model	NOUN
fbem-11822	130	25	,	,	PUNCT
fbem-11822	130	26	and	and	CCONJ
fbem-11822	130	27	zhao	zhao	PROPN
fbem-11822	130	28	xin	xin	PROPN
fbem-11822	130	29	et	et	PROPN
fbem-11822	130	30	al	al	PROPN
fbem-11822	130	31	.	.	PROPN
fbem-11822	131	1	(	(	PUNCT
fbem-11822	131	2	2021)[36	2021)[36	NOUN
fbem-11822	131	3	]	]	X
fbem-11822	131	4	used	use	VERB
fbem-11822	131	5	regression	regression	NOUN
fbem-11822	131	6	analysis	analysis	NOUN
fbem-11822	131	7	with	with	ADP
fbem-11822	131	8	an	an	DET
fbem-11822	131	9	intermediary	intermediary	ADJ
fbem-11822	131	10	effect	effect	NOUN
fbem-11822	131	11	model	model	NOUN
fbem-11822	131	12	to	to	PART
fbem-11822	131	13	examine	examine	VERB
fbem-11822	131	14	the	the	DET
fbem-11822	131	15	effects	effect	NOUN
fbem-11822	131	16	of	of	ADP
fbem-11822	131	17	internet	internet	NOUN
fbem-11822	131	18	finance	finance	NOUN
fbem-11822	131	19	,	,	PUNCT
fbem-11822	131	20	the	the	DET
fbem-11822	131	21	net	net	ADJ
fbem-11822	131	22	interest	interest	NOUN
fbem-11822	131	23	income	income	NOUN
fbem-11822	131	24	,	,	PUNCT
fbem-11822	131	25	non	non	ADJ
fbem-11822	131	26	-	-	ADJ
fbem-11822	131	27	interest	interest	ADJ
fbem-11822	131	28	income	income	NOUN
fbem-11822	131	29	,	,	PUNCT
fbem-11822	131	30	income	income	NOUN
fbem-11822	131	31	source	source	NOUN
fbem-11822	131	32	and	and	CCONJ
fbem-11822	131	33	income	income	NOUN
fbem-11822	131	34	structure	structure	NOUN
fbem-11822	131	35	of	of	ADP
fbem-11822	131	36	105	105	NUM
fbem-11822	131	37	the	the	DET
fbem-11822	131	38	commercial	commercial	ADJ
fbem-11822	131	39	bank	bank	NOUN
fbem-11822	131	40	.	.	PUNCT
fbem-11822	132	1	liu	liu	PROPN
fbem-11822	132	2	mengfei	mengfei	PROPN
fbem-11822	132	3	and	and	CCONJ
fbem-11822	132	4	wang	wang	PROPN
fbem-11822	132	5	qi	qi	PROPN
fbem-11822	132	6	(	(	PUNCT
fbem-11822	132	7	2021)[37	2021)[37	X
fbem-11822	132	8	]	]	X
fbem-11822	132	9	used	use	VERB
fbem-11822	132	10	multiple	multiple	ADJ
fbem-11822	132	11	regression	regression	NOUN
fbem-11822	132	12	and	and	CCONJ
fbem-11822	132	13	intermediary	intermediary	ADJ
fbem-11822	132	14	benefit	benefit	NOUN
fbem-11822	132	15	model	model	NOUN
fbem-11822	132	16	to	to	PART
fbem-11822	132	17	analyze	analyze	VERB
fbem-11822	132	18	the	the	DET
fbem-11822	132	19	impact	impact	NOUN
fbem-11822	132	20	of	of	ADP
fbem-11822	132	21	the	the	DET
fbem-11822	132	22	internet	internet	NOUN
fbem-11822	132	23	on	on	ADP
fbem-11822	132	24	traditional	traditional	ADJ
fbem-11822	132	25	commercial	commercial	ADJ
fbem-11822	132	26	banks	bank	NOUN
fbem-11822	132	27	,	,	PUNCT
fbem-11822	132	28	a	a	DET
fbem-11822	132	29	sample	sample	NOUN
fbem-11822	132	30	of	of	ADP
fbem-11822	132	31	37	37	NUM
fbem-11822	132	32	chinese	chinese	ADJ
fbem-11822	132	33	listed	list	VERB
fbem-11822	132	34	banks	bank	NOUN
fbem-11822	132	35	from	from	ADP
fbem-11822	132	36	2007	2007	NUM
fbem-11822	132	37	to	to	ADP
fbem-11822	132	38	2019	2019	NUM
fbem-11822	132	39	,	,	PUNCT
fbem-11822	132	40	the	the	DET
fbem-11822	132	41	main	main	ADJ
fbem-11822	132	42	indexes	index	NOUN
fbem-11822	132	43	are	be	AUX
fbem-11822	132	44	reva	reva	PROPN
fbem-11822	132	45	,	,	PUNCT
fbem-11822	132	46	roa	roa	PROPN
fbem-11822	132	47	and	and	CCONJ
fbem-11822	132	48	roe	roe	PROPN
fbem-11822	132	49	.	.	PUNCT
fbem-11822	133	1	the	the	DET
fbem-11822	133	2	results	result	NOUN
fbem-11822	133	3	show	show	VERB
fbem-11822	133	4	that	that	SCONJ
fbem-11822	133	5	the	the	DET
fbem-11822	133	6	internet	internet	NOUN
fbem-11822	133	7	has	have	VERB
fbem-11822	133	8	the	the	DET
fbem-11822	133	9	greatest	great	ADJ
fbem-11822	133	10	impact	impact	NOUN
fbem-11822	133	11	on	on	ADP
fbem-11822	133	12	the	the	DET
fbem-11822	133	13	interest	interest	NOUN
fbem-11822	133	14	income	income	NOUN
fbem-11822	133	15	of	of	ADP
fbem-11822	133	16	commercial	commercial	ADJ
fbem-11822	133	17	banks	bank	NOUN
fbem-11822	133	18	,	,	PUNCT
fbem-11822	133	19	but	but	CCONJ
fbem-11822	133	20	has	have	VERB
fbem-11822	133	21	no	no	DET
fbem-11822	133	22	significant	significant	ADJ
fbem-11822	133	23	impact	impact	NOUN
fbem-11822	133	24	on	on	ADP
fbem-11822	133	25	the	the	DET
fbem-11822	133	26	non	non	ADJ
fbem-11822	133	27	-	-	ADJ
fbem-11822	133	28	interest	interest	ADJ
fbem-11822	133	29	income	income	NOUN
fbem-11822	133	30	and	and	CCONJ
fbem-11822	133	31	income	income	NOUN
fbem-11822	133	32	diversification	diversification	NOUN
fbem-11822	133	33	,	,	PUNCT
fbem-11822	133	34	the	the	DET
fbem-11822	133	35	reason	reason	NOUN
fbem-11822	133	36	may	may	AUX
fbem-11822	133	37	be	be	AUX
fbem-11822	133	38	that	that	SCONJ
fbem-11822	133	39	the	the	DET
fbem-11822	133	40	development	development	NOUN
fbem-11822	133	41	time	time	NOUN
fbem-11822	133	42	of	of	ADP
fbem-11822	133	43	internet	internet	NOUN
fbem-11822	133	44	finance	finance	NOUN
fbem-11822	133	45	in	in	ADP
fbem-11822	133	46	our	our	PRON
fbem-11822	133	47	country	country	NOUN
fbem-11822	133	48	is	be	AUX
fbem-11822	133	49	short	short	ADJ
fbem-11822	133	50	,	,	PUNCT
fbem-11822	133	51	and	and	CCONJ
fbem-11822	133	52	the	the	DET
fbem-11822	133	53	income	income	NOUN
fbem-11822	133	54	structure	structure	NOUN
fbem-11822	133	55	of	of	ADP
fbem-11822	133	56	traditional	traditional	ADJ
fbem-11822	133	57	commercial	commercial	ADJ
fbem-11822	133	58	banks	bank	NOUN
fbem-11822	133	59	has	have	AUX
fbem-11822	133	60	not	not	PART
fbem-11822	133	61	changed	change	VERB
fbem-11822	133	62	fundamentally	fundamentally	ADV
fbem-11822	133	63	.	.	PUNCT
fbem-11822	134	1	in	in	ADP
fbem-11822	134	2	addition	addition	NOUN
fbem-11822	134	3	,	,	PUNCT
fbem-11822	134	4	regional	regional	ADJ
fbem-11822	134	5	commercial	commercial	ADJ
fbem-11822	134	6	banks	bank	NOUN
fbem-11822	134	7	such	such	ADJ
fbem-11822	134	8	as	as	ADP
fbem-11822	134	9	urban	urban	ADJ
fbem-11822	134	10	commercial	commercial	ADJ
fbem-11822	134	11	banks	bank	NOUN
fbem-11822	134	12	and	and	CCONJ
fbem-11822	134	13	rural	rural	ADJ
fbem-11822	134	14	commercial	commercial	ADJ
fbem-11822	134	15	banks	bank	NOUN
fbem-11822	134	16	are	be	AUX
fbem-11822	134	17	much	much	ADV
fbem-11822	134	18	more	more	ADV
fbem-11822	134	19	affected	affect	VERB
fbem-11822	134	20	by	by	ADP
fbem-11822	134	21	internet	internet	NOUN
fbem-11822	134	22	finance	finance	NOUN
fbem-11822	134	23	than	than	ADP
fbem-11822	134	24	national	national	ADJ
fbem-11822	134	25	large	large	ADJ
fbem-11822	134	26	and	and	CCONJ
fbem-11822	134	27	medium	medium	ADJ
fbem-11822	134	28	-	-	PUNCT
fbem-11822	134	29	sized	sized	ADJ
fbem-11822	134	30	banks	bank	NOUN
fbem-11822	134	31	,	,	PUNCT
fbem-11822	134	32	therefore	therefore	ADV
fbem-11822	134	33	,	,	PUNCT
fbem-11822	134	34	the	the	DET
fbem-11822	134	35	city	city	NOUN
fbem-11822	134	36	commercial	commercial	ADJ
fbem-11822	134	37	bank	bank	PROPN
fbem-11822	134	38	should	should	AUX
fbem-11822	134	39	pay	pay	VERB
fbem-11822	134	40	attention	attention	NOUN
fbem-11822	134	41	to	to	ADP
fbem-11822	134	42	the	the	DET
fbem-11822	134	43	deep	deep	ADJ
fbem-11822	134	44	cooperation	cooperation	NOUN
fbem-11822	134	45	with	with	ADP
fbem-11822	134	46	the	the	DET
fbem-11822	134	47	network	network	NOUN
fbem-11822	134	48	finance	finance	NOUN
fbem-11822	134	49	platform	platform	NOUN
fbem-11822	134	50	,	,	PUNCT
fbem-11822	134	51	carries	carry	VERB
fbem-11822	134	52	on	on	ADP
fbem-11822	134	53	the	the	DET
fbem-11822	134	54	profit	profit	NOUN
fbem-11822	134	55	pattern	pattern	NOUN
fbem-11822	134	56	transformation	transformation	NOUN
fbem-11822	134	57	upgrading	upgrading	NOUN
fbem-11822	134	58	.	.	PUNCT
fbem-11822	135	1	the	the	DET
fbem-11822	135	2	multi	multi	ADJ
fbem-11822	135	3	-	-	ADJ
fbem-11822	135	4	index	index	NOUN
fbem-11822	135	5	evaluation	evaluation	NOUN
fbem-11822	135	6	research	research	NOUN
fbem-11822	135	7	can	can	AUX
fbem-11822	135	8	reflect	reflect	VERB
fbem-11822	135	9	the	the	DET
fbem-11822	135	10	commercial	commercial	ADJ
fbem-11822	135	11	bank	bank	NOUN
fbem-11822	135	12	's	's	PART
fbem-11822	135	13	operation	operation	NOUN
fbem-11822	135	14	situation	situation	NOUN
fbem-11822	135	15	comprehensively	comprehensively	ADV
fbem-11822	135	16	,	,	PUNCT
fbem-11822	135	17	developing	develop	VERB
fbem-11822	135	18	and	and	CCONJ
fbem-11822	135	19	connecting	connect	VERB
fbem-11822	135	20	.	.	PUNCT
fbem-11822	136	1	shen	shen	PROPN
fbem-11822	136	2	zijie	zijie	PROPN
fbem-11822	136	3	(	(	PUNCT
fbem-11822	136	4	2020)[38	2020)[38	NOUN
fbem-11822	136	5	]	]	PUNCT
fbem-11822	136	6	believes	believe	VERB
fbem-11822	136	7	that	that	SCONJ
fbem-11822	136	8	roa	roa	PROPN
fbem-11822	136	9	can	can	AUX
fbem-11822	136	10	directly	directly	ADV
fbem-11822	136	11	reflect	reflect	VERB
fbem-11822	136	12	the	the	DET
fbem-11822	136	13	overall	overall	ADJ
fbem-11822	136	14	profitability	profitability	NOUN
fbem-11822	136	15	of	of	ADP
fbem-11822	136	16	commercial	commercial	ADJ
fbem-11822	136	17	banks	bank	NOUN
fbem-11822	136	18	,	,	PUNCT
fbem-11822	136	19	and	and	CCONJ
fbem-11822	136	20	is	be	AUX
fbem-11822	136	21	helpful	helpful	ADJ
fbem-11822	136	22	to	to	PART
fbem-11822	136	23	measure	measure	VERB
fbem-11822	136	24	the	the	DET
fbem-11822	136	25	profitability	profitability	NOUN
fbem-11822	136	26	of	of	ADP
fbem-11822	136	27	commercial	commercial	ADJ
fbem-11822	136	28	banks	bank	NOUN
fbem-11822	136	29	'	'	PART
fbem-11822	136	30	total	total	ADJ
fbem-11822	136	31	assets	asset	NOUN
fbem-11822	136	32	and	and	CCONJ
fbem-11822	136	33	the	the	DET
fbem-11822	136	34	changing	change	VERB
fbem-11822	136	35	trend	trend	NOUN
fbem-11822	136	36	of	of	ADP
fbem-11822	136	37	industry	industry	NOUN
fbem-11822	136	38	development	development	NOUN
fbem-11822	136	39	.	.	PUNCT
fbem-11822	137	1	suyang	suyang	PROPN
fbem-11822	137	2	(	(	PUNCT
fbem-11822	137	3	2014)[28	2014)[28	X
fbem-11822	137	4	]	]	PUNCT
fbem-11822	137	5	considers	consider	VERB
fbem-11822	137	6	operating	operate	VERB
fbem-11822	137	7	profit	profit	NOUN
fbem-11822	137	8	margin	margin	NOUN
fbem-11822	137	9	to	to	PART
fbem-11822	137	10	be	be	AUX
fbem-11822	137	11	a	a	DET
fbem-11822	137	12	measure	measure	NOUN
fbem-11822	137	13	of	of	ADP
fbem-11822	137	14	a	a	DET
fbem-11822	137	15	firm	firm	NOUN
fbem-11822	137	16	's	's	PART
fbem-11822	137	17	ability	ability	NOUN
fbem-11822	137	18	to	to	PART
fbem-11822	137	19	manage	manage	VERB
fbem-11822	137	20	costs	cost	NOUN
fbem-11822	137	21	,	,	PUNCT
fbem-11822	137	22	indicating	indicate	VERB
fbem-11822	137	23	its	its	PRON
fbem-11822	137	24	ability	ability	NOUN
fbem-11822	137	25	to	to	PART
fbem-11822	137	26	make	make	VERB
fbem-11822	137	27	a	a	DET
fbem-11822	137	28	profit	profit	NOUN
fbem-11822	137	29	from	from	ADP
fbem-11822	137	30	its	its	PRON
fbem-11822	137	31	operations	operation	NOUN
fbem-11822	137	32	.	.	PUNCT
fbem-11822	138	1	the	the	PRON
fbem-11822	138	2	higher	high	ADJ
fbem-11822	138	3	the	the	DET
fbem-11822	138	4	ratio	ratio	NOUN
fbem-11822	138	5	,	,	PUNCT
fbem-11822	138	6	the	the	PRON
fbem-11822	138	7	more	more	ADV
fbem-11822	138	8	profitable	profitable	ADJ
fbem-11822	138	9	the	the	DET
fbem-11822	138	10	firm	firm	NOUN
fbem-11822	138	11	is	be	AUX
fbem-11822	138	12	,	,	PUNCT
fbem-11822	138	13	it	it	PRON
fbem-11822	138	14	is	be	AUX
fbem-11822	138	15	an	an	DET
fbem-11822	138	16	important	important	ADJ
fbem-11822	138	17	index	index	NOUN
fbem-11822	138	18	to	to	PART
fbem-11822	138	19	measure	measure	VERB
fbem-11822	138	20	the	the	DET
fbem-11822	138	21	profitability	profitability	NOUN
fbem-11822	138	22	of	of	ADP
fbem-11822	138	23	commercial	commercial	ADJ
fbem-11822	138	24	banks	bank	NOUN
fbem-11822	138	25	.	.	PUNCT
fbem-11822	139	1	zhu	zhu	PROPN
fbem-11822	139	2	guo	guo	PROPN
fbem-11822	139	3	yiming	yiming	PROPN
fbem-11822	139	4	(	(	PUNCT
fbem-11822	139	5	2021)[39	2021)[39	PROPN
fbem-11822	139	6	]	]	PUNCT
fbem-11822	139	7	considered	consider	VERB
fbem-11822	139	8	that	that	SCONJ
fbem-11822	139	9	the	the	PRON
fbem-11822	139	10	lower	low	ADJ
fbem-11822	139	11	the	the	DET
fbem-11822	139	12	asset	asset	NOUN
fbem-11822	139	13	turnover	turnover	NOUN
fbem-11822	139	14	rate	rate	NOUN
fbem-11822	139	15	,	,	PUNCT
fbem-11822	139	16	the	the	PRON
fbem-11822	139	17	more	more	ADV
fbem-11822	139	18	serious	serious	ADJ
fbem-11822	139	19	the	the	DET
fbem-11822	139	20	capital	capital	NOUN
fbem-11822	139	21	occupation	occupation	NOUN
fbem-11822	139	22	faced	face	VERB
fbem-11822	139	23	by	by	ADP
fbem-11822	139	24	enterprises	enterprise	NOUN
fbem-11822	139	25	,	,	PUNCT
fbem-11822	139	26	thus	thus	ADV
fbem-11822	139	27	resulting	result	VERB
fbem-11822	139	28	in	in	ADP
fbem-11822	139	29	high	high	ADJ
fbem-11822	139	30	external	external	ADJ
fbem-11822	139	31	financing	financing	NOUN
fbem-11822	139	32	costs	cost	NOUN
fbem-11822	139	33	,	,	PUNCT
fbem-11822	139	34	reducing	reduce	VERB
fbem-11822	139	35	the	the	DET
fbem-11822	139	36	profitability	profitability	NOUN
fbem-11822	139	37	of	of	ADP
fbem-11822	139	38	enterprises	enterprise	NOUN
fbem-11822	139	39	.	.	PUNCT
fbem-11822	140	1	reva	reva	PROPN
fbem-11822	140	2	can	can	AUX
fbem-11822	140	3	not	not	PART
fbem-11822	140	4	only	only	ADV
fbem-11822	140	5	take	take	VERB
fbem-11822	140	6	into	into	ADP
fbem-11822	140	7	account	account	NOUN
fbem-11822	140	8	the	the	DET
fbem-11822	140	9	capital	capital	NOUN
fbem-11822	140	10	market	market	NOUN
fbem-11822	140	11	value	value	NOUN
fbem-11822	140	12	corresponding	correspond	VERB
fbem-11822	140	13	to	to	ADP
fbem-11822	140	14	the	the	DET
fbem-11822	140	15	current	current	ADJ
fbem-11822	140	16	market	market	NOUN
fbem-11822	140	17	environment	environment	NOUN
fbem-11822	140	18	,	,	PUNCT
fbem-11822	140	19	reflect	reflect	VERB
fbem-11822	140	20	the	the	DET
fbem-11822	140	21	current	current	ADJ
fbem-11822	140	22	market	market	NOUN
fbem-11822	140	23	value	value	NOUN
fbem-11822	140	24	of	of	ADP
fbem-11822	140	25	the	the	DET
fbem-11822	140	26	enterprise	enterprise	NOUN
fbem-11822	140	27	,	,	PUNCT
fbem-11822	140	28	but	but	CCONJ
fbem-11822	140	29	also	also	ADV
fbem-11822	140	30	predict	predict	VERB
fbem-11822	140	31	the	the	DET
fbem-11822	140	32	future	future	ADJ
fbem-11822	140	33	development	development	NOUN
fbem-11822	140	34	trend	trend	NOUN
fbem-11822	140	35	of	of	ADP
fbem-11822	140	36	the	the	DET
fbem-11822	140	37	enterprise	enterprise	NOUN
fbem-11822	140	38	.	.	PUNCT
fbem-11822	141	1	liu	liu	PROPN
fbem-11822	141	2	li	li	PROPN
fbem-11822	141	3	(	(	PUNCT
fbem-11822	141	4	1999)[40	1999)[40	PROPN
fbem-11822	141	5	]	]	PUNCT
fbem-11822	141	6	believes	believe	VERB
fbem-11822	141	7	that	that	SCONJ
fbem-11822	141	8	the	the	DET
fbem-11822	141	9	revised	revise	VERB
fbem-11822	141	10	economic	economic	ADJ
fbem-11822	141	11	valueadded	valueadde	VERB
fbem-11822	141	12	method	method	NOUN
fbem-11822	141	13	(	(	PUNCT
fbem-11822	141	14	reva	reva	PROPN
fbem-11822	141	15	)	)	PUNCT
fbem-11822	141	16	is	be	AUX
fbem-11822	141	17	a	a	DET
fbem-11822	141	18	measure	measure	NOUN
fbem-11822	141	19	of	of	ADP
fbem-11822	141	20	business	business	NOUN
fbem-11822	141	21	performance	performance	NOUN
fbem-11822	141	22	based	base	VERB
fbem-11822	141	23	on	on	ADP
fbem-11822	141	24	the	the	DET
fbem-11822	141	25	market	market	NOUN
fbem-11822	141	26	value	value	NOUN
fbem-11822	141	27	of	of	ADP
fbem-11822	141	28	assets	asset	NOUN
fbem-11822	141	29	and	and	CCONJ
fbem-11822	141	30	an	an	DET
fbem-11822	141	31	index	index	NOUN
fbem-11822	141	32	of	of	ADP
fbem-11822	141	33	value	value	NOUN
fbem-11822	141	34	creation	creation	NOUN
fbem-11822	141	35	measured	measure	VERB
fbem-11822	141	36	by	by	ADP
fbem-11822	141	37	unit	unit	NOUN
fbem-11822	141	38	capital	capital	NOUN
fbem-11822	141	39	.	.	PUNCT
fbem-11822	142	1	an	an	DET
fbem-11822	142	2	wang	wang	PROPN
fbem-11822	142	3	(	(	PUNCT
fbem-11822	142	4	2020)[41	2020)[41	PROPN
fbem-11822	142	5	]	]	PUNCT
fbem-11822	142	6	argues	argue	VERB
fbem-11822	142	7	that	that	SCONJ
fbem-11822	142	8	the	the	DET
fbem-11822	142	9	use	use	NOUN
fbem-11822	142	10	of	of	ADP
fbem-11822	142	11	a	a	DET
fbem-11822	142	12	modified	modify	VERB
fbem-11822	142	13	economic	economic	ADJ
fbem-11822	142	14	value	value	NOUN
fbem-11822	142	15	added	add	VERB
fbem-11822	142	16	(	(	PUNCT
fbem-11822	142	17	reva	reva	PROPN
fbem-11822	142	18	)	)	PUNCT
fbem-11822	142	19	method	method	NOUN
fbem-11822	142	20	to	to	PART
fbem-11822	142	21	replace	replace	VERB
fbem-11822	142	22	account	account	NOUN
fbem-11822	142	23	value	value	NOUN
fbem-11822	142	24	with	with	ADP
fbem-11822	142	25	market	market	NOUN
fbem-11822	142	26	value	value	NOUN
fbem-11822	142	27	in	in	ADP
fbem-11822	142	28	comparison	comparison	NOUN
fbem-11822	142	29	with	with	ADP
fbem-11822	142	30	economic	economic	ADJ
fbem-11822	142	31	value	value	NOUN
fbem-11822	142	32	added	add	VERB
fbem-11822	142	33	(	(	PUNCT
fbem-11822	142	34	eva	eva	NOUN
fbem-11822	142	35	)	)	PUNCT
fbem-11822	142	36	avoids	avoid	VERB
fbem-11822	142	37	errors	error	NOUN
fbem-11822	142	38	caused	cause	VERB
fbem-11822	142	39	by	by	ADP
fbem-11822	142	40	excessive	excessive	ADJ
fbem-11822	142	41	differences	difference	NOUN
fbem-11822	142	42	between	between	ADP
fbem-11822	142	43	book	book	NOUN
fbem-11822	142	44	value	value	NOUN
fbem-11822	142	45	and	and	CCONJ
fbem-11822	142	46	market	market	NOUN
fbem-11822	142	47	value	value	NOUN
fbem-11822	142	48	.	.	PUNCT
fbem-11822	143	1	the	the	DET
fbem-11822	143	2	revised	revise	VERB
fbem-11822	143	3	economic	economic	ADJ
fbem-11822	143	4	value	value	NOUN
fbem-11822	143	5	-	-	PUNCT
fbem-11822	143	6	added	add	VERB
fbem-11822	143	7	method	method	NOUN
fbem-11822	143	8	(	(	PUNCT
fbem-11822	143	9	reva	reva	PROPN
fbem-11822	143	10	)	)	PUNCT
fbem-11822	143	11	uses	use	VERB
fbem-11822	143	12	a	a	DET
fbem-11822	143	13	transaction	transaction	NOUN
fbem-11822	143	14	-	-	PUNCT
fbem-11822	143	15	based	base	VERB
fbem-11822	143	16	approach	approach	NOUN
fbem-11822	143	17	,	,	PUNCT
fbem-11822	143	18	which	which	PRON
fbem-11822	143	19	measures	measure	VERB
fbem-11822	143	20	capital	capital	NOUN
fbem-11822	143	21	gains	gain	NOUN
fbem-11822	143	22	based	base	VERB
fbem-11822	143	23	on	on	ADP
fbem-11822	143	24	the	the	DET
fbem-11822	143	25	gains	gain	NOUN
fbem-11822	143	26	investors	investor	NOUN
fbem-11822	143	27	make	make	VERB
fbem-11822	143	28	from	from	ADP
fbem-11822	143	29	buying	buy	VERB
fbem-11822	143	30	and	and	CCONJ
fbem-11822	143	31	selling	sell	VERB
fbem-11822	143	32	stocks	stock	NOUN
fbem-11822	143	33	.	.	PUNCT
fbem-11822	144	1	it	it	PRON
fbem-11822	144	2	looks	look	VERB
fbem-11822	144	3	at	at	ADP
fbem-11822	144	4	changes	change	NOUN
fbem-11822	144	5	in	in	ADP
fbem-11822	144	6	a	a	DET
fbem-11822	144	7	company	company	NOUN
fbem-11822	144	8	's	's	PART
fbem-11822	144	9	share	share	NOUN
fbem-11822	144	10	price	price	NOUN
fbem-11822	144	11	,	,	PUNCT
fbem-11822	144	12	it	it	PRON
fbem-11822	144	13	also	also	ADV
fbem-11822	144	14	tries	try	VERB
fbem-11822	144	15	to	to	PART
fbem-11822	144	16	determine	determine	VERB
fbem-11822	144	17	how	how	SCONJ
fbem-11822	144	18	much	much	ADJ
fbem-11822	144	19	shareholders	shareholder	NOUN
fbem-11822	144	20	'	'	PART
fbem-11822	144	21	wealth	wealth	NOUN
fbem-11822	144	22	has	have	AUX
fbem-11822	144	23	increased	increase	VERB
fbem-11822	144	24	through	through	ADP
fbem-11822	144	25	cash	cash	NOUN
fbem-11822	144	26	dividends	dividend	NOUN
fbem-11822	144	27	and	and	CCONJ
fbem-11822	144	28	rising	rise	VERB
fbem-11822	144	29	stock	stock	NOUN
fbem-11822	144	30	prices	price	NOUN
fbem-11822	144	31	.	.	PUNCT
fbem-11822	145	1	reva	reva	PROPN
fbem-11822	145	2	=	=	PROPN
fbem-11822	145	3	nopat	nopat	PROPN
fbem-11822	145	4	-	-	PUNCT
fbem-11822	145	5	wacc	wacc	PROPN
fbem-11822	145	6	x	x	SYM
fbem-11822	145	7	tc	tc	PROPN
fbem-11822	145	8	,	,	PUNCT
fbem-11822	145	9	nopat	nopat	NOUN
fbem-11822	145	10	=	=	PUNCT
fbem-11822	145	11	after	after	ADP
fbem-11822	145	12	tax	tax	NOUN
fbem-11822	145	13	operating	operating	NOUN
fbem-11822	145	14	profit	profit	NOUN
fbem-11822	145	15	,	,	PUNCT
fbem-11822	145	16	nopat	nopat	NOUN
fbem-11822	145	17	=	=	PUNCT
fbem-11822	145	18	after	after	ADP
fbem-11822	145	19	tax	tax	NOUN
fbem-11822	145	20	net	net	ADJ
fbem-11822	145	21	profit	profit	NOUN
fbem-11822	145	22	+	+	CCONJ
fbem-11822	145	23	interest	interest	NOUN
fbem-11822	145	24	expense	expense	NOUN
fbem-11822	145	25	,	,	PUNCT
fbem-11822	145	26	wacc	wacc	PROPN
fbem-11822	145	27	=	=	PRON
fbem-11822	145	28	weighted	weight	VERB
fbem-11822	145	29	average	average	ADJ
fbem-11822	145	30	cost	cost	NOUN
fbem-11822	145	31	of	of	ADP
fbem-11822	145	32	capital	capital	NOUN
fbem-11822	145	33	,	,	PUNCT
fbem-11822	145	34	tc	tc	PROPN
fbem-11822	145	35	is	be	AUX
fbem-11822	145	36	total	total	ADJ
fbem-11822	145	37	capital	capital	NOUN
fbem-11822	145	38	.	.	PUNCT
fbem-11822	146	1	in	in	ADP
fbem-11822	146	2	addition	addition	NOUN
fbem-11822	146	3	,	,	PUNCT
fbem-11822	146	4	reva	reva	PROPN
fbem-11822	146	5	has	have	VERB
fbem-11822	146	6	the	the	DET
fbem-11822	146	7	function	function	NOUN
fbem-11822	146	8	of	of	ADP
fbem-11822	146	9	prediction	prediction	NOUN
fbem-11822	146	10	,	,	PUNCT
fbem-11822	146	11	which	which	PRON
fbem-11822	146	12	can	can	AUX
fbem-11822	146	13	not	not	PART
fbem-11822	146	14	only	only	ADV
fbem-11822	146	15	take	take	VERB
fbem-11822	146	16	into	into	ADP
fbem-11822	146	17	account	account	NOUN
fbem-11822	146	18	the	the	DET
fbem-11822	146	19	capital	capital	NOUN
fbem-11822	146	20	market	market	NOUN
fbem-11822	146	21	value	value	NOUN
fbem-11822	146	22	corresponding	correspond	VERB
fbem-11822	146	23	to	to	ADP
fbem-11822	146	24	the	the	DET
fbem-11822	146	25	current	current	ADJ
fbem-11822	146	26	market	market	NOUN
fbem-11822	146	27	environment	environment	NOUN
fbem-11822	146	28	,	,	PUNCT
fbem-11822	146	29	but	but	CCONJ
fbem-11822	146	30	also	also	ADV
fbem-11822	146	31	strongly	strongly	ADV
fbem-11822	146	32	reflect	reflect	VERB
fbem-11822	146	33	the	the	DET
fbem-11822	146	34	current	current	ADJ
fbem-11822	146	35	market	market	NOUN
fbem-11822	146	36	value	value	NOUN
fbem-11822	146	37	of	of	ADP
fbem-11822	146	38	commercial	commercial	ADJ
fbem-11822	146	39	banks	bank	NOUN
fbem-11822	146	40	,	,	PUNCT
fbem-11822	146	41	it	it	PRON
fbem-11822	146	42	also	also	ADV
fbem-11822	146	43	reflects	reflect	VERB
fbem-11822	146	44	the	the	DET
fbem-11822	146	45	revision	revision	NOUN
fbem-11822	146	46	of	of	ADP
fbem-11822	146	47	the	the	DET
fbem-11822	146	48	whole	whole	ADJ
fbem-11822	146	49	future	future	ADJ
fbem-11822	146	50	operating	operating	NOUN
fbem-11822	146	51	income	income	NOUN
fbem-11822	146	52	forecast	forecast	NOUN
fbem-11822	146	53	of	of	ADP
fbem-11822	146	54	commercial	commercial	ADJ
fbem-11822	146	55	banks	bank	NOUN
fbem-11822	146	56	and	and	CCONJ
fbem-11822	146	57	measures	measure	NOUN
fbem-11822	146	58	the	the	DET
fbem-11822	146	59	value	value	NOUN
fbem-11822	146	60	creation	creation	NOUN
fbem-11822	146	61	of	of	ADP
fbem-11822	146	62	commercial	commercial	ADJ
fbem-11822	146	63	banks	bank	NOUN
fbem-11822	146	64	'	'	PART
fbem-11822	146	65	long	long	ADJ
fbem-11822	146	66	-	-	PUNCT
fbem-11822	146	67	term	term	NOUN
fbem-11822	146	68	development	development	NOUN
fbem-11822	146	69	strategy	strategy	NOUN
fbem-11822	146	70	.	.	PUNCT
fbem-11822	147	1	wang	wang	PROPN
fbem-11822	147	2	ruifu	ruifu	VERB
fbem-11822	147	3	(	(	PUNCT
fbem-11822	147	4	2014)[42	2014)[42	X
fbem-11822	147	5	]	]	PUNCT
fbem-11822	147	6	thinks	think	VERB
fbem-11822	147	7	that	that	SCONJ
fbem-11822	147	8	reva	reva	PROPN
fbem-11822	147	9	synthetically	synthetically	ADV
fbem-11822	147	10	considers	consider	VERB
fbem-11822	147	11	the	the	DET
fbem-11822	147	12	enterprise	enterprise	NOUN
fbem-11822	147	13	's	's	PART
fbem-11822	147	14	risk	risk	NOUN
fbem-11822	147	15	and	and	CCONJ
fbem-11822	147	16	development	development	NOUN
fbem-11822	147	17	prospect	prospect	NOUN
fbem-11822	147	18	,	,	PUNCT
fbem-11822	147	19	and	and	CCONJ
fbem-11822	147	20	sums	sum	VERB
fbem-11822	147	21	up	up	ADP
fbem-11822	147	22	the	the	DET
fbem-11822	147	23	future	future	ADJ
fbem-11822	147	24	development	development	NOUN
fbem-11822	147	25	of	of	ADP
fbem-11822	147	26	the	the	DET
fbem-11822	147	27	enterprise	enterprise	NOUN
fbem-11822	147	28	into	into	ADP
fbem-11822	147	29	the	the	DET
fbem-11822	147	30	calculation	calculation	NOUN
fbem-11822	147	31	of	of	ADP
fbem-11822	147	32	enterprise	enterprise	NOUN
fbem-11822	147	33	value	value	NOUN
fbem-11822	147	34	.	.	PUNCT
fbem-11822	148	1	zhang	zhang	PROPN
fbem-11822	148	2	xiaoqing	xiaoqing	PROPN
fbem-11822	148	3	(	(	PUNCT
fbem-11822	148	4	2019)[43	2019)[43	X
fbem-11822	148	5	]	]	PUNCT
fbem-11822	148	6	thinks	think	VERB
fbem-11822	148	7	that	that	SCONJ
fbem-11822	148	8	reva	reva	PROPN
fbem-11822	148	9	is	be	AUX
fbem-11822	148	10	less	less	ADV
fbem-11822	148	11	sensitive	sensitive	ADJ
fbem-11822	148	12	to	to	ADP
fbem-11822	148	13	cash	cash	NOUN
fbem-11822	148	14	flow	flow	NOUN
fbem-11822	148	15	.	.	PUNCT
fbem-11822	149	1	it	it	PRON
fbem-11822	149	2	evaluates	evaluate	VERB
fbem-11822	149	3	the	the	DET
fbem-11822	149	4	value	value	NOUN
fbem-11822	149	5	of	of	ADP
fbem-11822	149	6	enterprises	enterprise	NOUN
fbem-11822	149	7	through	through	ADP
fbem-11822	149	8	economic	economic	ADJ
fbem-11822	149	9	profits	profit	NOUN
fbem-11822	149	10	from	from	ADP
fbem-11822	149	11	the	the	DET
fbem-11822	149	12	perspective	perspective	NOUN
fbem-11822	149	13	of	of	ADP
fbem-11822	149	14	residual	residual	ADJ
fbem-11822	149	15	income	income	NOUN
fbem-11822	149	16	,	,	PUNCT
fbem-11822	149	17	and	and	CCONJ
fbem-11822	149	18	pays	pay	VERB
fbem-11822	149	19	more	more	ADJ
fbem-11822	149	20	attention	attention	NOUN
fbem-11822	149	21	to	to	ADP
fbem-11822	149	22	the	the	DET
fbem-11822	149	23	profitability	profitability	NOUN
fbem-11822	149	24	of	of	ADP
fbem-11822	149	25	enterprises	enterprise	NOUN
fbem-11822	149	26	in	in	ADP
fbem-11822	149	27	the	the	DET
fbem-11822	149	28	future	future	ADJ
fbem-11822	149	29	period	period	NOUN
fbem-11822	149	30	,	,	PUNCT
fbem-11822	149	31	so	so	SCONJ
fbem-11822	149	32	as	as	SCONJ
fbem-11822	149	33	to	to	PART
fbem-11822	149	34	effectively	effectively	ADV
fbem-11822	149	35	avoid	avoid	VERB
fbem-11822	149	36	the	the	DET
fbem-11822	149	37	drawbacks	drawback	NOUN
fbem-11822	149	38	of	of	ADP
fbem-11822	149	39	eva	eva	PROPN
fbem-11822	149	40	.	.	PROPN
fbem-11822	150	1	anna	anna	PROPN
fbem-11822	150	2	wang	wang	PROPN
fbem-11822	150	3	(	(	PUNCT
fbem-11822	150	4	2022)[44	2022)[44	NUM
fbem-11822	150	5	]	]	PUNCT
fbem-11822	150	6	believes	believe	VERB
fbem-11822	150	7	that	that	SCONJ
fbem-11822	150	8	reva	reva	PROPN
fbem-11822	150	9	does	do	AUX
fbem-11822	150	10	not	not	PART
fbem-11822	150	11	rely	rely	VERB
fbem-11822	150	12	on	on	ADP
fbem-11822	150	13	positive	positive	ADJ
fbem-11822	150	14	and	and	CCONJ
fbem-11822	150	15	negative	negative	ADJ
fbem-11822	150	16	cash	cash	NOUN
fbem-11822	150	17	flow	flow	NOUN
fbem-11822	150	18	,	,	PUNCT
fbem-11822	150	19	and	and	CCONJ
fbem-11822	150	20	pays	pay	VERB
fbem-11822	150	21	more	more	ADJ
fbem-11822	150	22	attention	attention	NOUN
fbem-11822	150	23	to	to	ADP
fbem-11822	150	24	the	the	DET
fbem-11822	150	25	future	future	ADJ
fbem-11822	150	26	development	development	NOUN
fbem-11822	150	27	potential	potential	NOUN
fbem-11822	150	28	of	of	ADP
fbem-11822	150	29	the	the	DET
fbem-11822	150	30	company	company	NOUN
fbem-11822	150	31	,	,	PUNCT
fbem-11822	150	32	which	which	PRON
fbem-11822	150	33	has	have	VERB
fbem-11822	150	34	a	a	DET
fbem-11822	150	35	strong	strong	ADJ
fbem-11822	150	36	applicability	applicability	NOUN
fbem-11822	150	37	to	to	PART
fbem-11822	150	38	evaluate	evaluate	VERB
fbem-11822	150	39	the	the	DET
fbem-11822	150	40	market	market	NOUN
fbem-11822	150	41	value	value	NOUN
fbem-11822	150	42	of	of	ADP
fbem-11822	150	43	enterprises	enterprise	NOUN
fbem-11822	150	44	.	.	PUNCT
fbem-11822	151	1	reva	reva	PROPN
fbem-11822	151	2	can	can	AUX
fbem-11822	151	3	more	more	ADV
fbem-11822	151	4	accurately	accurately	ADV
fbem-11822	151	5	measure	measure	VERB
fbem-11822	151	6	the	the	DET
fbem-11822	151	7	internal	internal	ADJ
fbem-11822	151	8	value	value	NOUN
fbem-11822	151	9	of	of	ADP
fbem-11822	151	10	the	the	DET
fbem-11822	151	11	enterprise	enterprise	NOUN
fbem-11822	151	12	,	,	PUNCT
fbem-11822	151	13	and	and	CCONJ
fbem-11822	151	14	this	this	DET
fbem-11822	151	15	way	way	NOUN
fbem-11822	151	16	is	be	AUX
fbem-11822	151	17	not	not	PART
fbem-11822	151	18	subject	subject	ADJ
fbem-11822	151	19	to	to	ADP
fbem-11822	151	20	the	the	DET
fbem-11822	151	21	impact	impact	NOUN
fbem-11822	151	22	of	of	ADP
fbem-11822	151	23	positive	positive	ADJ
fbem-11822	151	24	and	and	CCONJ
fbem-11822	151	25	negative	negative	ADJ
fbem-11822	151	26	cash	cash	NOUN
fbem-11822	151	27	flow	flow	NOUN
fbem-11822	151	28	,	,	PUNCT
fbem-11822	151	29	pay	pay	VERB
fbem-11822	151	30	more	more	ADJ
fbem-11822	151	31	attention	attention	NOUN
fbem-11822	151	32	to	to	ADP
fbem-11822	151	33	the	the	DET
fbem-11822	151	34	company	company	NOUN
fbem-11822	151	35	's	's	PART
fbem-11822	151	36	future	future	ADJ
fbem-11822	151	37	development	development	NOUN
fbem-11822	151	38	potential	potential	NOUN
fbem-11822	151	39	,	,	PUNCT
fbem-11822	151	40	can	can	AUX
fbem-11822	151	41	predict	predict	VERB
fbem-11822	151	42	the	the	DET
fbem-11822	151	43	company	company	NOUN
fbem-11822	151	44	's	's	PART
fbem-11822	151	45	future	future	ADJ
fbem-11822	151	46	development	development	NOUN
fbem-11822	151	47	trends	trend	NOUN
fbem-11822	151	48	.	.	PUNCT
fbem-11822	152	1	5	5	X
fbem-11822	152	2	.	.	X
fbem-11822	152	3	conclusion	conclusion	NOUN
fbem-11822	152	4	and	and	CCONJ
fbem-11822	152	5	prospect	prospect	NOUN
fbem-11822	152	6	(	(	PUNCT
fbem-11822	152	7	1	1	NUM
fbem-11822	152	8	)	)	PUNCT
fbem-11822	152	9	conclusion	conclusion	NOUN
fbem-11822	152	10	to	to	PART
fbem-11822	152	11	sum	sum	VERB
fbem-11822	152	12	up	up	ADP
fbem-11822	152	13	,	,	PUNCT
fbem-11822	152	14	the	the	DET
fbem-11822	152	15	profit	profit	NOUN
fbem-11822	152	16	model	model	NOUN
fbem-11822	152	17	is	be	AUX
fbem-11822	152	18	a	a	DET
fbem-11822	152	19	healthy	healthy	ADJ
fbem-11822	152	20	business	business	NOUN
fbem-11822	152	21	cycle	cycle	NOUN
fbem-11822	152	22	business	business	NOUN
fbem-11822	152	23	process	process	NOUN
fbem-11822	152	24	,	,	PUNCT
fbem-11822	152	25	but	but	CCONJ
fbem-11822	152	26	also	also	ADV
fbem-11822	152	27	with	with	ADP
fbem-11822	152	28	comprehensive	comprehensive	ADJ
fbem-11822	152	29	,	,	PUNCT
fbem-11822	152	30	development	development	NOUN
fbem-11822	152	31	and	and	CCONJ
fbem-11822	152	32	contact	contact	NOUN
fbem-11822	152	33	characteristics	characteristic	NOUN
fbem-11822	152	34	of	of	ADP
fbem-11822	152	35	the	the	DET
fbem-11822	152	36	enterprise	enterprise	NOUN
fbem-11822	152	37	management	management	NOUN
fbem-11822	152	38	system	system	NOUN
fbem-11822	152	39	.	.	PUNCT
fbem-11822	153	1	the	the	DET
fbem-11822	153	2	profit	profit	NOUN
fbem-11822	153	3	model	model	NOUN
fbem-11822	153	4	is	be	AUX
fbem-11822	153	5	not	not	PART
fbem-11822	153	6	only	only	ADV
fbem-11822	153	7	influenced	influence	VERB
fbem-11822	153	8	by	by	ADP
fbem-11822	153	9	external	external	ADJ
fbem-11822	153	10	industry	industry	NOUN
fbem-11822	153	11	environment	environment	NOUN
fbem-11822	153	12	,	,	PUNCT
fbem-11822	153	13	but	but	CCONJ
fbem-11822	153	14	also	also	ADV
fbem-11822	153	15	by	by	ADP
fbem-11822	153	16	internal	internal	ADJ
fbem-11822	153	17	management	management	NOUN
fbem-11822	153	18	model	model	NOUN
fbem-11822	153	19	and	and	CCONJ
fbem-11822	153	20	operation	operation	NOUN
fbem-11822	153	21	strategy	strategy	NOUN
fbem-11822	153	22	,	,	PUNCT
fbem-11822	153	23	which	which	PRON
fbem-11822	153	24	is	be	AUX
fbem-11822	153	25	a	a	DET
fbem-11822	153	26	kind	kind	NOUN
fbem-11822	153	27	of	of	ADP
fbem-11822	153	28	internal	internal	ADJ
fbem-11822	153	29	and	and	CCONJ
fbem-11822	153	30	external	external	ADJ
fbem-11822	153	31	feedback	feedback	NOUN
fbem-11822	153	32	result	result	NOUN
fbem-11822	153	33	.	.	PUNCT
fbem-11822	154	1	relying	rely	VERB
fbem-11822	154	2	on	on	ADP
fbem-11822	154	3	the	the	DET
fbem-11822	154	4	domestic	domestic	ADJ
fbem-11822	154	5	developed	develop	VERB
fbem-11822	154	6	network	network	NOUN
fbem-11822	154	7	infrastructure	infrastructure	NOUN
fbem-11822	154	8	,	,	PUNCT
fbem-11822	154	9	the	the	DET
fbem-11822	154	10	type	type	NOUN
fbem-11822	154	11	and	and	CCONJ
fbem-11822	154	12	form	form	NOUN
fbem-11822	154	13	of	of	ADP
fbem-11822	154	14	domestic	domestic	ADJ
fbem-11822	154	15	internet	internet	NOUN
fbem-11822	154	16	finance	finance	NOUN
fbem-11822	154	17	business	business	NOUN
fbem-11822	154	18	has	have	AUX
fbem-11822	154	19	far	far	ADV
fbem-11822	154	20	exceeded	exceed	VERB
fbem-11822	154	21	most	most	ADJ
fbem-11822	154	22	countries	country	NOUN
fbem-11822	154	23	in	in	ADP
fbem-11822	154	24	the	the	DET
fbem-11822	154	25	world	world	NOUN
fbem-11822	154	26	,	,	PUNCT
fbem-11822	154	27	resulting	result	VERB
fbem-11822	154	28	in	in	ADP
fbem-11822	154	29	problems	problem	NOUN
fbem-11822	154	30	rarely	rarely	ADV
fbem-11822	154	31	encountered	encounter	VERB
fbem-11822	154	32	by	by	ADP
fbem-11822	154	33	foreign	foreign	ADJ
fbem-11822	154	34	countries	country	NOUN
fbem-11822	154	35	.	.	PUNCT
fbem-11822	155	1	however	however	ADV
fbem-11822	155	2	,	,	PUNCT
fbem-11822	155	3	due	due	ADP
fbem-11822	155	4	to	to	ADP
fbem-11822	155	5	the	the	DET
fbem-11822	155	6	late	late	ADJ
fbem-11822	155	7	start	start	NOUN
fbem-11822	155	8	of	of	ADP
fbem-11822	155	9	domestic	domestic	ADJ
fbem-11822	155	10	research	research	NOUN
fbem-11822	155	11	,	,	PUNCT
fbem-11822	155	12	the	the	DET
fbem-11822	155	13	definition	definition	NOUN
fbem-11822	155	14	of	of	ADP
fbem-11822	155	15	internet	internet	NOUN
fbem-11822	155	16	finance	finance	NOUN
fbem-11822	155	17	,	,	PUNCT
fbem-11822	155	18	internet	internet	NOUN
fbem-11822	155	19	finance	finance	NOUN
fbem-11822	155	20	and	and	CCONJ
fbem-11822	155	21	banking	banking	NOUN
fbem-11822	155	22	is	be	AUX
fbem-11822	155	23	a	a	DET
fbem-11822	155	24	positive	positive	ADJ
fbem-11822	155	25	or	or	CCONJ
fbem-11822	155	26	negative	negative	ADJ
fbem-11822	155	27	competition	competition	NOUN
fbem-11822	155	28	,	,	PUNCT
fbem-11822	155	29	there	there	PRON
fbem-11822	155	30	is	be	VERB
fbem-11822	155	31	no	no	DET
fbem-11822	155	32	unified	unified	ADJ
fbem-11822	155	33	conclusion	conclusion	NOUN
fbem-11822	155	34	.	.	PUNCT
fbem-11822	156	1	according	accord	VERB
fbem-11822	156	2	to	to	ADP
fbem-11822	156	3	the	the	DET
fbem-11822	156	4	academic	academic	ADJ
fbem-11822	156	5	research	research	NOUN
fbem-11822	156	6	,	,	PUNCT
fbem-11822	156	7	the	the	DET
fbem-11822	156	8	impact	impact	NOUN
fbem-11822	156	9	of	of	ADP
fbem-11822	156	10	internet	internet	NOUN
fbem-11822	156	11	finance	finance	NOUN
fbem-11822	156	12	on	on	ADP
fbem-11822	156	13	different	different	ADJ
fbem-11822	156	14	types	type	NOUN
fbem-11822	156	15	of	of	ADP
fbem-11822	156	16	banks	bank	NOUN
fbem-11822	156	17	is	be	AUX
fbem-11822	156	18	different	different	ADJ
fbem-11822	156	19	,	,	PUNCT
fbem-11822	156	20	among	among	ADP
fbem-11822	156	21	which	which	PRON
fbem-11822	156	22	the	the	DET
fbem-11822	156	23	regional	regional	ADJ
fbem-11822	156	24	urban	urban	ADJ
fbem-11822	156	25	commercial	commercial	ADJ
fbem-11822	156	26	banks	bank	NOUN
fbem-11822	156	27	and	and	CCONJ
fbem-11822	156	28	rural	rural	ADJ
fbem-11822	156	29	commercial	commercial	ADJ
fbem-11822	156	30	banks	bank	NOUN
fbem-11822	156	31	are	be	AUX
fbem-11822	156	32	the	the	DET
fbem-11822	156	33	most	most	ADV
fbem-11822	156	34	affected	affected	ADJ
fbem-11822	156	35	.	.	PUNCT
fbem-11822	157	1	under	under	ADP
fbem-11822	157	2	the	the	DET
fbem-11822	157	3	pressure	pressure	NOUN
fbem-11822	157	4	of	of	ADP
fbem-11822	157	5	internet	internet	NOUN
fbem-11822	157	6	finance	finance	NOUN
fbem-11822	157	7	,	,	PUNCT
fbem-11822	157	8	commercial	commercial	ADJ
fbem-11822	157	9	banks	bank	NOUN
fbem-11822	157	10	are	be	AUX
fbem-11822	157	11	transforming	transform	VERB
fbem-11822	157	12	towards	towards	ADP
fbem-11822	157	13	diversified	diversify	VERB
fbem-11822	157	14	business	business	NOUN
fbem-11822	157	15	structure	structure	NOUN
fbem-11822	157	16	,	,	PUNCT
fbem-11822	157	17	integrating	integrate	VERB
fbem-11822	157	18	financial	financial	ADJ
fbem-11822	157	19	technology	technology	NOUN
fbem-11822	157	20	,	,	PUNCT
fbem-11822	157	21	paying	pay	VERB
fbem-11822	157	22	attention	attention	NOUN
fbem-11822	157	23	to	to	ADP
fbem-11822	157	24	long	long	ADJ
fbem-11822	157	25	tail	tail	NOUN
fbem-11822	157	26	customers	customer	NOUN
fbem-11822	157	27	and	and	CCONJ
fbem-11822	157	28	digging	dig	VERB
fbem-11822	157	29	into	into	ADP
fbem-11822	157	30	existing	exist	VERB
fbem-11822	157	31	customers	customer	NOUN
fbem-11822	157	32	'	'	PART
fbem-11822	157	33	needs	need	NOUN
fbem-11822	157	34	.	.	PUNCT
fbem-11822	158	1	(	(	PUNCT
fbem-11822	158	2	2	2	X
fbem-11822	158	3	)	)	PUNCT
fbem-11822	158	4	prospect	prospect	NOUN
fbem-11822	158	5	in	in	ADP
fbem-11822	158	6	view	view	NOUN
fbem-11822	158	7	of	of	ADP
fbem-11822	158	8	the	the	DET
fbem-11822	158	9	influence	influence	NOUN
fbem-11822	158	10	of	of	ADP
fbem-11822	158	11	internet	internet	NOUN
fbem-11822	158	12	finance	finance	NOUN
fbem-11822	158	13	on	on	ADP
fbem-11822	158	14	the	the	DET
fbem-11822	158	15	profit	profit	NOUN
fbem-11822	158	16	model	model	NOUN
fbem-11822	158	17	of	of	ADP
fbem-11822	158	18	commercial	commercial	ADJ
fbem-11822	158	19	banks	bank	NOUN
fbem-11822	158	20	,	,	PUNCT
fbem-11822	158	21	the	the	DET
fbem-11822	158	22	research	research	NOUN
fbem-11822	158	23	direction	direction	NOUN
fbem-11822	158	24	in	in	ADP
fbem-11822	158	25	the	the	DET
fbem-11822	158	26	future	future	NOUN
fbem-11822	158	27	can	can	AUX
fbem-11822	158	28	grasp	grasp	VERB
fbem-11822	158	29	the	the	DET
fbem-11822	158	30	following	follow	VERB
fbem-11822	158	31	two	two	NUM
fbem-11822	158	32	points	point	NOUN
fbem-11822	158	33	:	:	PUNCT
fbem-11822	158	34	first	first	ADV
fbem-11822	158	35	,	,	PUNCT
fbem-11822	158	36	pay	pay	VERB
fbem-11822	158	37	attention	attention	NOUN
fbem-11822	158	38	to	to	ADP
fbem-11822	158	39	the	the	DET
fbem-11822	158	40	difference	difference	NOUN
fbem-11822	158	41	before	before	ADV
fbem-11822	158	42	and	and	CCONJ
fbem-11822	158	43	after	after	ADP
fbem-11822	158	44	the	the	DET
fbem-11822	158	45	fusion	fusion	NOUN
fbem-11822	158	46	of	of	ADP
fbem-11822	158	47	city	city	NOUN
fbem-11822	158	48	commercial	commercial	ADJ
fbem-11822	158	49	banks	bank	NOUN
fbem-11822	158	50	and	and	CCONJ
fbem-11822	158	51	internet	internet	NOUN
fbem-11822	158	52	finance	finance	NOUN
fbem-11822	158	53	;	;	PUNCT
fbem-11822	158	54	for	for	ADP
fbem-11822	158	55	example	example	NOUN
fbem-11822	158	56	,	,	PUNCT
fbem-11822	158	57	after	after	ADP
fbem-11822	158	58	the	the	DET
fbem-11822	158	59	integration	integration	NOUN
fbem-11822	158	60	of	of	ADP
fbem-11822	158	61	commercial	commercial	ADJ
fbem-11822	158	62	banks	bank	NOUN
fbem-11822	158	63	from	from	ADP
fbem-11822	158	64	the	the	DET
fbem-11822	158	65	past	past	ADJ
fbem-11822	158	66	extensive	extensive	ADJ
fbem-11822	158	67	operations	operation	NOUN
fbem-11822	158	68	to	to	ADP
fbem-11822	158	69	more	more	ADV
fbem-11822	158	70	convenient	convenient	ADJ
fbem-11822	158	71	and	and	CCONJ
fbem-11822	158	72	efficient	efficient	ADJ
fbem-11822	158	73	refined	refined	ADJ
fbem-11822	158	74	operations	operation	NOUN
fbem-11822	158	75	,	,	PUNCT
fbem-11822	158	76	internet	internet	NOUN
fbem-11822	158	77	finance	finance	NOUN
fbem-11822	158	78	in	in	ADP
fbem-11822	158	79	promoting	promote	VERB
fbem-11822	158	80	the	the	DET
fbem-11822	158	81	quality	quality	NOUN
fbem-11822	158	82	of	of	ADP
fbem-11822	158	83	commercial	commercial	ADJ
fbem-11822	158	84	banking	banking	NOUN
fbem-11822	158	85	services	service	NOUN
fbem-11822	158	86	and	and	CCONJ
fbem-11822	158	87	operational	operational	ADJ
fbem-11822	158	88	efficiency	efficiency	NOUN
fbem-11822	158	89	,	,	PUNCT
fbem-11822	158	90	but	but	CCONJ
fbem-11822	158	91	also	also	ADV
fbem-11822	158	92	intensified	intensify	VERB
fbem-11822	158	93	the	the	DET
fbem-11822	158	94	competition	competition	NOUN
fbem-11822	158	95	among	among	ADP
fbem-11822	158	96	peers	peer	NOUN
fbem-11822	158	97	,	,	PUNCT
fbem-11822	158	98	before	before	ADP
fbem-11822	158	99	and	and	CCONJ
fbem-11822	158	100	after	after	ADP
fbem-11822	158	101	the	the	DET
fbem-11822	158	102	integration	integration	NOUN
fbem-11822	158	103	of	of	ADP
fbem-11822	158	104	commercial	commercial	ADJ
fbem-11822	158	105	banks	bank	NOUN
fbem-11822	158	106	customer	customer	NOUN
fbem-11822	158	107	groups	group	NOUN
fbem-11822	158	108	,	,	PUNCT
fbem-11822	158	109	changes	change	NOUN
fbem-11822	158	110	in	in	ADP
fbem-11822	158	111	major	major	ADJ
fbem-11822	158	112	business	business	NOUN
fbem-11822	158	113	types	type	NOUN
fbem-11822	158	114	and	and	CCONJ
fbem-11822	158	115	other	other	ADJ
fbem-11822	158	116	differences	difference	NOUN
fbem-11822	158	117	.	.	PUNCT
fbem-11822	159	1	to	to	PART
fbem-11822	159	2	guide	guide	VERB
fbem-11822	159	3	the	the	DET
fbem-11822	159	4	commercial	commercial	ADJ
fbem-11822	159	5	banks	bank	NOUN
fbem-11822	159	6	that	that	PRON
fbem-11822	159	7	are	be	AUX
fbem-11822	159	8	about	about	ADJ
fbem-11822	159	9	to	to	PART
fbem-11822	159	10	merge	merge	VERB
fbem-11822	159	11	,	,	PUNCT
fbem-11822	159	12	fully	fully	ADV
fbem-11822	159	13	understand	understand	VERB
fbem-11822	159	14	the	the	DET
fbem-11822	159	15	impact	impact	NOUN
fbem-11822	159	16	of	of	ADP
fbem-11822	159	17	the	the	DET
fbem-11822	159	18	current	current	ADJ
fbem-11822	159	19	internet	internet	NOUN
fbem-11822	159	20	financial	financial	ADJ
fbem-11822	159	21	technology	technology	NOUN
fbem-11822	159	22	on	on	ADP
fbem-11822	159	23	banking	banking	NOUN
fbem-11822	159	24	business	business	NOUN
fbem-11822	159	25	,	,	PUNCT
fbem-11822	159	26	and	and	CCONJ
fbem-11822	159	27	turn	turn	VERB
fbem-11822	159	28	the	the	DET
fbem-11822	159	29	crisis	crisis	NOUN
fbem-11822	159	30	into	into	ADP
fbem-11822	159	31	an	an	DET
fbem-11822	159	32	opportunity	opportunity	NOUN
fbem-11822	159	33	,	,	PUNCT
fbem-11822	159	34	encourage	encourage	VERB
fbem-11822	159	35	more	more	ADJ
fbem-11822	159	36	commercial	commercial	ADJ
fbem-11822	159	37	banks	bank	NOUN
fbem-11822	159	38	to	to	PART
fbem-11822	159	39	participate	participate	VERB
fbem-11822	159	40	in	in	ADP
fbem-11822	159	41	the	the	DET
fbem-11822	159	42	process	process	NOUN
fbem-11822	159	43	of	of	ADP
fbem-11822	159	44	cooperation	cooperation	NOUN
fbem-11822	159	45	with	with	ADP
fbem-11822	159	46	internet	internet	NOUN
fbem-11822	159	47	finance	finance	NOUN
fbem-11822	159	48	companies	company	NOUN
fbem-11822	159	49	to	to	PART
fbem-11822	159	50	increase	increase	VERB
fbem-11822	159	51	each	each	DET
fbem-11822	159	52	other	other	ADJ
fbem-11822	159	53	;	;	PUNCT
fbem-11822	159	54	profits	profit	NOUN
fbem-11822	159	55	;	;	PUNCT
fbem-11822	159	56	we	we	PRON
fbem-11822	159	57	encourage	encourage	VERB
fbem-11822	159	58	the	the	DET
fbem-11822	159	59	commercial	commercial	ADJ
fbem-11822	159	60	banks	bank	NOUN
fbem-11822	159	61	that	that	PRON
fbem-11822	159	62	have	have	AUX
fbem-11822	159	63	already	already	ADV
fbem-11822	159	64	cooperated	cooperate	VERB
fbem-11822	159	65	to	to	PART
fbem-11822	159	66	deepen	deepen	VERB
fbem-11822	159	67	their	their	PRON
fbem-11822	159	68	business	business	NOUN
fbem-11822	159	69	and	and	CCONJ
fbem-11822	159	70	strategic	strategic	ADJ
fbem-11822	159	71	cooperation	cooperation	NOUN
fbem-11822	159	72	with	with	ADP
fbem-11822	159	73	internet	internet	NOUN
fbem-11822	159	74	finance	finance	NOUN
fbem-11822	159	75	companies.second	companies.second	NOUN
fbem-11822	159	76	,	,	PUNCT
fbem-11822	159	77	focus	focus	VERB
fbem-11822	159	78	on	on	ADP
fbem-11822	159	79	the	the	DET
fbem-11822	159	80	noninterest	noninter	ADJ
fbem-11822	159	81	business	business	NOUN
fbem-11822	159	82	of	of	ADP
fbem-11822	159	83	commercial	commercial	ADJ
fbem-11822	159	84	banks	bank	NOUN
fbem-11822	159	85	.	.	PUNCT
fbem-11822	160	1	under	under	ADP
fbem-11822	160	2	the	the	DET
fbem-11822	160	3	impact	impact	NOUN
fbem-11822	160	4	of	of	ADP
fbem-11822	160	5	internet	internet	NOUN
fbem-11822	160	6	finance	finance	NOUN
fbem-11822	160	7	,	,	PUNCT
fbem-11822	160	8	commercial	commercial	ADJ
fbem-11822	160	9	banks	bank	NOUN
fbem-11822	160	10	should	should	AUX
fbem-11822	160	11	try	try	VERB
fbem-11822	160	12	to	to	PART
fbem-11822	160	13	reduce	reduce	VERB
fbem-11822	160	14	their	their	PRON
fbem-11822	160	15	dependence	dependence	NOUN
fbem-11822	160	16	on	on	ADP
fbem-11822	160	17	interest	interest	NOUN
fbem-11822	160	18	income	income	NOUN
fbem-11822	160	19	,	,	PUNCT
fbem-11822	160	20	vigorously	vigorously	ADV
fbem-11822	160	21	develop	develop	VERB
fbem-11822	160	22	intermediary	intermediary	ADJ
fbem-11822	160	23	business	business	NOUN
fbem-11822	160	24	,	,	PUNCT
fbem-11822	160	25	106	106	NUM
fbem-11822	160	26	and	and	CCONJ
fbem-11822	160	27	enhance	enhance	VERB
fbem-11822	160	28	the	the	DET
fbem-11822	160	29	degree	degree	NOUN
fbem-11822	160	30	of	of	ADP
fbem-11822	160	31	business	business	NOUN
fbem-11822	160	32	diversification	diversification	NOUN
fbem-11822	160	33	,	,	PUNCT
fbem-11822	160	34	such	such	ADJ
fbem-11822	160	35	as	as	ADP
fbem-11822	160	36	innovative	innovative	ADJ
fbem-11822	160	37	bond	bond	NOUN
fbem-11822	160	38	underwriting	underwriting	NOUN
fbem-11822	160	39	,	,	PUNCT
fbem-11822	160	40	financial	financial	ADJ
fbem-11822	160	41	advisory	advisory	ADJ
fbem-11822	160	42	services	service	NOUN
fbem-11822	160	43	,	,	PUNCT
fbem-11822	160	44	etc	etc	X
fbem-11822	160	45	.	.	X
fbem-11822	160	46	,	,	PUNCT
fbem-11822	160	47	multiprice	multiprice	PROPN
fbem-11822	160	48	,	,	PUNCT
fbem-11822	160	49	multiterm	multiterm	NOUN
fbem-11822	160	50	consumer	consumer	NOUN
fbem-11822	160	51	financial	financial	ADJ
fbem-11822	160	52	products	product	NOUN
fbem-11822	160	53	.	.	PUNCT
fbem-11822	161	1	we	we	PRON
fbem-11822	161	2	should	should	AUX
fbem-11822	161	3	also	also	ADV
fbem-11822	161	4	strengthen	strengthen	VERB
fbem-11822	161	5	the	the	DET
fbem-11822	161	6	training	training	NOUN
fbem-11822	161	7	of	of	ADP
fbem-11822	161	8	specialized	specialized	ADJ
fbem-11822	161	9	talents	talent	NOUN
fbem-11822	161	10	and	and	CCONJ
fbem-11822	161	11	build	build	VERB
fbem-11822	161	12	an	an	DET
fbem-11822	161	13	innovative	innovative	ADJ
fbem-11822	161	14	and	and	CCONJ
fbem-11822	161	15	compound	compound	NOUN
fbem-11822	161	16	talent	talent	NOUN
fbem-11822	161	17	team	team	NOUN
fbem-11822	161	18	to	to	PART
fbem-11822	161	19	meet	meet	VERB
fbem-11822	161	20	the	the	DET
fbem-11822	161	21	ever	ever	ADV
fbem-11822	161	22	-	-	PUNCT
fbem-11822	161	23	changing	change	VERB
fbem-11822	161	24	market	market	NOUN
fbem-11822	161	25	challenges	challenge	NOUN
fbem-11822	161	26	.	.	PUNCT
fbem-11822	162	1	references	reference	NOUN
fbem-11822	162	2	[	[	X
fbem-11822	162	3	1	1	NUM
fbem-11822	162	4	]	]	X
fbem-11822	162	5	berger	berger	PROPN
fbem-11822	162	6	s	s	PART
fbem-11822	162	7	c	c	NOUN
fbem-11822	162	8	,	,	PUNCT
fbem-11822	162	9	gleisner	gleisn	ADJ
fbem-11822	162	10	f.emergence	f.emergence	NOUN
fbem-11822	162	11	of	of	ADP
fbem-11822	162	12	financial	financial	ADJ
fbem-11822	162	13	intermediaries	intermediary	NOUN
fbem-11822	162	14	in	in	ADP
fbem-11822	162	15	electronic	electronic	ADJ
fbem-11822	162	16	markets	market	NOUN
fbem-11822	162	17	:	:	PUNCT
fbem-11822	162	18	the	the	DET
fbem-11822	162	19	case	case	NOUN
fbem-11822	162	20	of	of	ADP
fbem-11822	162	21	online	online	ADJ
fbem-11822	162	22	p2p	p2p	PROPN
fbem-11822	162	23	lending[j].businessresearch	lending[j].businessresearch	PROPN
fbem-11822	162	24	journal	journal	NOUN
fbem-11822	162	25	,	,	PUNCT
fbem-11822	162	26	2009	2009	NUM
fbem-11822	162	27	,	,	PUNCT
fbem-11822	162	28	2	2	NUM
fbem-11822	162	29	(	(	PUNCT
fbem-11822	162	30	1	1	NUM
fbem-11822	162	31	):	):	PUNCT
fbem-11822	162	32	39–65	39–65	NUM
fbem-11822	162	33	.	.	PUNCT
fbem-11822	163	1	[	[	X
fbem-11822	163	2	2	2	X
fbem-11822	163	3	]	]	X
fbem-11822	163	4	lee	lee	PROPN
fbem-11822	163	5	j	j	PROPN
fbem-11822	163	6	e	e	PROPN
fbem-11822	163	7	r	r	PROPN
fbem-11822	163	8	,	,	PUNCT
fbem-11822	163	9	rao	rao	NOUN
fbem-11822	163	10	s	s	PROPN
fbem-11822	163	11	,	,	PUNCT
fbem-11822	163	12	nass	nass	PROPN
fbem-11822	163	13	c	c	PROPN
fbem-11822	163	14	,	,	PUNCT
fbem-11822	163	15	et	et	PROPN
fbem-11822	163	16	al.when	al.when	ADV
fbem-11822	163	17	do	do	AUX
fbem-11822	163	18	online	online	NOUN
fbem-11822	163	19	shoppers	shopper	NOUN
fbem-11822	163	20	appreciate	appreciate	VERB
fbem-11822	163	21	security	security	NOUN
fbem-11822	163	22	enhancement	enhancement	NOUN
fbem-11822	163	23	efforts	effort	NOUN
fbem-11822	163	24	?	?	PUNCT
fbem-11822	164	1	effects	effect	NOUN
fbem-11822	164	2	of	of	ADP
fbem-11822	164	3	financial	financial	ADJ
fbem-11822	164	4	risk	risk	NOUN
fbem-11822	164	5	and	and	CCONJ
fbem-11822	164	6	securitylevel	securitylevel	VERB
fbem-11822	164	7	on	on	ADP
fbem-11822	164	8	evaluations	evaluation	NOUN
fbem-11822	164	9	of	of	ADP
fbem-11822	164	10	customer	customer	NOUN
fbem-11822	164	11	authentication[j].international	authentication[j].international	ADJ
fbem-11822	164	12	journal	journal	NOUN
fbem-11822	164	13	of	of	ADP
fbem-11822	164	14	human	human	ADJ
fbem-11822	164	15	-	-	PUNCT
fbem-11822	164	16	computer	computer	NOUN
fbem-11822	164	17	studies	study	NOUN
fbem-11822	164	18	,	,	PUNCT
fbem-11822	164	19	2012	2012	NUM
fbem-11822	164	20	,	,	PUNCT
fbem-11822	164	21	70	70	NUM
fbem-11822	164	22	(	(	PUNCT
fbem-11822	164	23	5	5	NUM
fbem-11822	164	24	):	):	PUNCT
fbem-11822	164	25	364–376	364–376	NUM
fbem-11822	164	26	.	.	PUNCT
fbem-11822	165	1	[	[	X
fbem-11822	165	2	3	3	NUM
fbem-11822	165	3	]	]	PUNCT
fbem-11822	165	4	lines	line	NOUN
fbem-11822	165	5	,	,	PUNCT
fbem-11822	165	6	b.2016.how	b.2016.how	PRON
fbem-11822	165	7	fintech	fintech	NOUN
fbem-11822	165	8	is	be	AUX
fbem-11822	165	9	shaping	shape	VERB
fbem-11822	165	10	financial	financial	ADJ
fbem-11822	165	11	services.global	services.global	ADJ
fbem-11822	165	12	fintech	fintech	NOUN
fbem-11822	165	13	report	report	NOUN
fbem-11822	165	14	.	.	PUNCT
fbem-11822	166	1	[	[	X
fbem-11822	166	2	4	4	NUM
fbem-11822	166	3	]	]	PUNCT
fbem-11822	166	4	xie	xie	PROPN
fbem-11822	166	5	ping	ping	PROPN
fbem-11822	166	6	,	,	PUNCT
fbem-11822	166	7	zou	zou	PROPN
fbem-11822	166	8	chuanwei.research	chuanwei.research	VERB
fbem-11822	166	9	on	on	ADP
fbem-11822	166	10	internet	internet	NOUN
fbem-11822	166	11	finance	finance	NOUN
fbem-11822	166	12	model	model	NOUN
fbem-11822	167	1	[	[	X
fbem-11822	167	2	j	j	X
fbem-11822	167	3	]	]	X
fbem-11822	167	4	.	.	PUNCT
fbem-11822	168	1	financial	financial	ADJ
fbem-11822	168	2	research,2012(12):11	research,2012(12):11	PROPN
fbem-11822	168	3	-	-	PUNCT
fbem-11822	168	4	22	22	NUM
fbem-11822	168	5	.	.	PUNCT
fbem-11822	169	1	[	[	X
fbem-11822	169	2	5	5	X
fbem-11822	169	3	]	]	PUNCT
fbem-11822	169	4	wang	wang	PROPN
fbem-11822	169	5	guogang	guogang	PROPN
fbem-11822	169	6	,	,	PUNCT
fbem-11822	169	7	zhang	zhang	PROPN
fbem-11822	169	8	yang	yang	PROPN
fbem-11822	169	9	.	.	PUNCT
fbem-11822	170	1	an	an	DET
fbem-11822	170	2	analysis	analysis	NOUN
fbem-11822	170	3	of	of	ADP
fbem-11822	170	4	internet	internet	NOUN
fbem-11822	170	5	finance	finance	NOUN
fbem-11822	170	6	[	[	X
fbem-11822	170	7	j	j	X
fbem-11822	170	8	]	]	X
fbem-11822	170	9	.	.	PUNCT
fbem-11822	171	1	finance	finance	NOUN
fbem-11822	171	2	and	and	CCONJ
fbem-11822	171	3	trade	trade	NOUN
fbem-11822	171	4	economy,2015(01):516.doi:10.19795	economy,2015(01):516.doi:10.19795	PROPN
fbem-11822	171	5	/	/	SYM
fbem-11822	171	6	j.cnki.cn11	j.cnki.cn11	PROPN
fbem-11822	171	7	-	-	PUNCT
fbem-11822	171	8	1166	1166	NUM
fbem-11822	171	9	/	/	SYM
fbem-11822	171	10	f.2015.01.002	f.2015.01.002	NOUN
fbem-11822	171	11	.	.	PUNCT
fbem-11822	172	1	[	[	X
fbem-11822	172	2	6	6	NUM
fbem-11822	172	3	]	]	X
fbem-11822	172	4	chen	chen	PROPN
fbem-11822	172	5	zhao	zhao	PROPN
fbem-11822	172	6	,	,	PUNCT
fbem-11822	172	7	deng	deng	PROPN
fbem-11822	172	8	dongsheng	dongsheng	PROPN
fbem-11822	172	9	.	.	PUNCT
fbem-11822	173	1	the	the	DET
fbem-11822	173	2	development	development	NOUN
fbem-11822	173	3	,	,	PUNCT
fbem-11822	173	4	risk	risk	NOUN
fbem-11822	173	5	and	and	CCONJ
fbem-11822	173	6	supervision	supervision	NOUN
fbem-11822	173	7	of	of	ADP
fbem-11822	173	8	internet	internet	NOUN
fbem-11822	173	9	finance	finance	NOUN
fbem-11822	173	10	ー	ー	PROPN
fbem-11822	173	11	ー	ー	X
fbem-11822	173	12	taking	take	VERB
fbem-11822	173	13	peer	peer	NOUN
fbem-11822	173	14	-	-	PUNCT
fbem-11822	173	15	to	to	ADP
fbem-11822	173	16	-	-	PUNCT
fbem-11822	173	17	peer	peer	NOUN
fbem-11822	173	18	lending	lending	NOUN
fbem-11822	173	19	as	as	ADP
fbem-11822	173	20	an	an	DET
fbem-11822	173	21	example	example	NOUN
fbem-11822	173	22	[	[	X
fbem-11822	173	23	j].academic	j].academic	ADJ
fbem-11822	173	24	monthly,2019,51(12):4250.doi:10.19862	monthly,2019,51(12):4250.doi:10.19862	NOUN
fbem-11822	173	25	/	/	SYM
fbem-11822	173	26	j.cnki.xsyk.2019.12.005	j.cnki.xsyk.2019.12.005	PROPN
fbem-11822	173	27	.	.	PUNCT
fbem-11822	174	1	[	[	X
fbem-11822	174	2	7	7	X
fbem-11822	174	3	]	]	X
fbem-11822	174	4	chen	chen	PROPN
fbem-11822	174	5	rongda	rongda	PROPN
fbem-11822	174	6	,	,	PUNCT
fbem-11822	174	7	yu	yu	PROPN
fbem-11822	174	8	lok	lok	PROPN
fbem-11822	174	9	on	on	ADV
fbem-11822	174	10	,	,	PUNCT
fbem-11822	174	11	jin	jin	PROPN
fbem-11822	174	12	ping	ping	PROPN
fbem-11822	174	13	lu	lu	PROPN
fbem-11822	174	14	.	.	PUNCT
fbem-11822	175	1	the	the	DET
fbem-11822	175	2	development	development	NOUN
fbem-11822	175	3	course	course	NOUN
fbem-11822	175	4	,	,	PUNCT
fbem-11822	175	5	development	development	NOUN
fbem-11822	175	6	model	model	NOUN
fbem-11822	175	7	and	and	CCONJ
fbem-11822	175	8	future	future	ADJ
fbem-11822	175	9	challenges	challenge	NOUN
fbem-11822	175	10	of	of	ADP
fbem-11822	175	11	internet	internet	NOUN
fbem-11822	175	12	finance	finance	NOUN
fbem-11822	175	13	in	in	ADP
fbem-11822	175	14	china	china	PROPN
fbem-11822	176	1	[	[	X
fbem-11822	176	2	j	j	X
fbem-11822	176	3	]	]	X
fbem-11822	176	4	.	.	PUNCT
fbem-11822	177	1	quantitative	quantitative	ADJ
fbem-11822	177	2	economics,2020,37(01):322.doi:10.13653	economics,2020,37(01):322.doi:10.13653	PROPN
fbem-11822	177	3	/	/	SYM
fbem-11822	177	4	j.cnki.jqte.2020.01.001	j.cnki.jqte.2020.01.001	PROPN
fbem-11822	177	5	.	.	PUNCT
fbem-11822	178	1	[	[	X
fbem-11822	178	2	8	8	NUM
fbem-11822	178	3	]	]	X
fbem-11822	178	4	brissimis	brissimis	PROPN
fbem-11822	178	5	s	s	X
fbem-11822	178	6	n，delis	n，delis	VERB
fbem-11822	178	7	m	m	VERB
fbem-11822	178	8	d.	d.	NOUN
fbem-11822	178	9	identification	identification	NOUN
fbem-11822	178	10	of	of	ADP
fbem-11822	178	11	a	a	DET
fbem-11822	178	12	loansupply	loansupply	NOUN
fbem-11822	178	13	function	function	NOUN
fbem-11822	178	14	：	：	PUNCT
fbem-11822	178	15	a	a	DET
fbem-11822	178	16	cross	cross	ADJ
fbem-11822	178	17	-	-	ADJ
fbem-11822	178	18	country	country	ADJ
fbem-11822	178	19	test	test	NOUN
fbem-11822	178	20	for	for	ADP
fbem-11822	178	21	the	the	DET
fbem-11822	178	22	existence	existence	NOUN
fbem-11822	178	23	ofa	ofa	PROPN
fbem-11822	178	24	bank	bank	PROPN
fbem-11822	178	25	lendind	lendind	VERB
fbem-11822	178	26	channel.journal	channel.journal	PROPN
fbem-11822	178	27	of	of	ADP
fbem-11822	178	28	international	international	ADJ
fbem-11822	178	29	finan⁃cial	finan⁃cial	ADJ
fbem-11822	178	30	markets	market	NOUN
fbem-11822	178	31	institutions	institution	NOUN
fbem-11822	178	32	&	&	CCONJ
fbem-11822	178	33	money	money	NOUN
fbem-11822	178	34	,	,	PUNCT
fbem-11822	178	35	2009	2009	NUM
fbem-11822	178	36	,	,	PUNCT
fbem-11822	178	37	19	19	NUM
fbem-11822	178	38	(	(	PUNCT
fbem-11822	178	39	2	2	NUM
fbem-11822	178	40	):	):	PUNCT
fbem-11822	178	41	pp.321	pp.321	PROPN
fbem-11822	178	42	-	-	PUNCT
fbem-11822	178	43	335	335	NUM
fbem-11822	178	44	.	.	PUNCT
fbem-11822	179	1	[	[	X
fbem-11822	179	2	9	9	NUM
fbem-11822	179	3	]	]	X
fbem-11822	179	4	norden	norden	NOUN
fbem-11822	179	5	l	l	PROPN
fbem-11822	179	6	,	,	PUNCT
fbem-11822	179	7	silva	silva	PROPN
fbem-11822	179	8	b	b	PROPN
fbem-11822	179	9	c	c	PROPN
fbem-11822	179	10	,	,	PUNCT
fbem-11822	179	11	wagner	wagner	PROPN
fbem-11822	179	12	w.financial	w.financial	PROPN
fbem-11822	179	13	inno⁃vation	inno⁃vation	PROPN
fbem-11822	179	14	and	and	CCONJ
fbem-11822	179	15	bank	bank	NOUN
fbem-11822	179	16	behavior	behavior	NOUN
fbem-11822	179	17	：	：	PUNCT
fbem-11822	179	18	evidence	evidence	NOUN
fbem-11822	179	19	from	from	ADP
fbem-11822	179	20	credit	credit	NOUN
fbem-11822	179	21	market.social	market.social	PROPN
fbem-11822	179	22	science	science	NOUN
fbem-11822	179	23	electronic	electronic	ADJ
fbem-11822	179	24	publishing	publishing	NOUN
fbem-11822	179	25	,	,	PUNCT
fbem-11822	179	26	2014	2014	NUM
fbem-11822	179	27	,	,	PUNCT
fbem-11822	179	28	43	43	NUM
fbem-11822	179	29	(	(	PUNCT
fbem-11822	179	30	1	1	NUM
fbem-11822	179	31	):	):	PUNCT
fbem-11822	179	32	pp.130	pp.130	NOUN
fbem-11822	179	33	-	-	PUNCT
fbem-11822	179	34	145	145	NUM
fbem-11822	179	35	.	.	PUNCT
fbem-11822	180	1	[	[	X
fbem-11822	180	2	10	10	NUM
fbem-11822	180	3	]	]	X
fbem-11822	180	4	zheng	zheng	PROPN
fbem-11822	180	5	zhilai	zhilai	PROPN
fbem-11822	180	6	.	.	PUNCT
fbem-11822	181	1	the	the	DET
fbem-11822	181	2	influence	influence	NOUN
fbem-11822	181	3	path	path	NOUN
fbem-11822	181	4	of	of	ADP
fbem-11822	181	5	internet	internet	NOUN
fbem-11822	181	6	finance	finance	NOUN
fbem-11822	181	7	on	on	ADP
fbem-11822	181	8	our	our	PRON
fbem-11822	181	9	commercial	commercial	ADJ
fbem-11822	181	10	banks	bank	NOUN
fbem-11822	181	11	ー	ー	PROPN
fbem-11822	181	12	ー	ー	PROPN
fbem-11822	181	13	based	base	VERB
fbem-11822	181	14	on	on	ADP
fbem-11822	181	15	the	the	DET
fbem-11822	181	16	perspective	perspective	NOUN
fbem-11822	181	17	of	of	ADP
fbem-11822	181	18	the	the	DET
fbem-11822	181	19	influence	influence	NOUN
fbem-11822	181	20	of“internet	of“internet	PROPN
fbem-11822	182	1	+	+	ADP
fbem-11822	182	2	”	"	PUNCT
fbem-11822	182	3	on	on	ADP
fbem-11822	182	4	retail	retail	ADJ
fbem-11822	182	5	industry	industry	NOUN
fbem-11822	183	1	[	[	X
fbem-11822	183	2	j	j	X
fbem-11822	183	3	]	]	X
fbem-11822	183	4	.	.	PUNCT
fbem-11822	184	1	financial	financial	ADJ
fbem-11822	184	2	science	science	NOUN
fbem-11822	184	3	,	,	PUNCT
fbem-11822	184	4	2015(05	2015(05	NUM
fbem-11822	184	5	)	)	PUNCT
fbem-11822	184	6	:	:	PUNCT
fbem-11822	184	7	34	34	NUM
fbem-11822	184	8	-	-	SYM
fbem-11822	184	9	43	43	NUM
fbem-11822	184	10	.	.	PUNCT
fbem-11822	185	1	[	[	X
fbem-11822	185	2	11	11	NUM
fbem-11822	185	3	]	]	X
fbem-11822	185	4	chan	chan	PROPN
fbem-11822	185	5	hau	hau	PROPN
fbem-11822	185	6	-	-	PUNCT
fbem-11822	185	7	ming	ming	PROPN
fbem-11822	185	8	,	,	PUNCT
fbem-11822	185	9	zhang	zhang	PROPN
fbem-11822	185	10	wei	wei	PROPN
fbem-11822	185	11	,	,	PUNCT
fbem-11822	185	12	law	law	NOUN
fbem-11822	185	13	chi	chi	NOUN
fbem-11822	185	14	-	-	PUNCT
fbem-11822	185	15	kin	kin	PROPN
fbem-11822	185	16	.	.	PUNCT
fbem-11822	186	1	the	the	DET
fbem-11822	186	2	impact	impact	NOUN
fbem-11822	186	3	of	of	ADP
fbem-11822	186	4	internet	internet	NOUN
fbem-11822	186	5	finance	finance	NOUN
fbem-11822	186	6	on	on	ADP
fbem-11822	186	7	the	the	DET
fbem-11822	186	8	stability	stability	NOUN
fbem-11822	186	9	of	of	ADP
fbem-11822	186	10	commercial	commercial	ADJ
fbem-11822	186	11	banks	bank	NOUN
fbem-11822	187	1	[	[	X
fbem-11822	187	2	j	j	X
fbem-11822	187	3	]	]	X
fbem-11822	187	4	.	.	PUNCT
fbem-11822	188	1	academic	academic	ADJ
fbem-11822	188	2	research	research	NOUN
fbem-11822	188	3	,	,	PUNCT
fbem-11822	188	4	2019(01	2019(01	NUM
fbem-11822	188	5	)	)	PUNCT
fbem-11822	188	6	:	:	PUNCT
fbem-11822	189	1	114	114	NUM
fbem-11822	189	2	-	-	SYM
fbem-11822	189	3	121	121	NUM
fbem-11822	189	4	.	.	PUNCT
fbem-11822	190	1	[	[	X
fbem-11822	190	2	12	12	NUM
fbem-11822	190	3	]	]	X
fbem-11822	190	4	du	du	PROPN
fbem-11822	190	5	jun	jun	PROPN
fbem-11822	190	6	,	,	PUNCT
fbem-11822	190	7	han	han	PROPN
fbem-11822	190	8	zihui	zihui	PROPN
fbem-11822	190	9	,	,	PUNCT
fbem-11822	190	10	jiao	jiao	PROPN
fbem-11822	190	11	yuanyuan	yuanyuan	PROPN
fbem-11822	190	12	.	.	PUNCT
fbem-11822	190	13	study	study	NOUN
fbem-11822	190	14	on	on	ADP
fbem-11822	190	15	the	the	DET
fbem-11822	190	16	evolution	evolution	NOUN
fbem-11822	190	17	of	of	ADP
fbem-11822	190	18	profit	profit	NOUN
fbem-11822	190	19	model	model	NOUN
fbem-11822	190	20	and	and	CCONJ
fbem-11822	190	21	its	its	PRON
fbem-11822	190	22	realization	realization	NOUN
fbem-11822	190	23	path	path	NOUN
fbem-11822	190	24	of	of	ADP
fbem-11822	190	25	internet	internet	NOUN
fbem-11822	190	26	financial	financial	ADJ
fbem-11822	190	27	services	service	NOUN
fbem-11822	190	28	-taking	-take	VERB
fbem-11822	190	29	jd.com	jd.com	PROPN
fbem-11822	190	30	supply	supply	NOUN
fbem-11822	190	31	chain	chain	NOUN
fbem-11822	190	32	finance	finance	NOUN
fbem-11822	190	33	as	as	ADP
fbem-11822	190	34	an	an	DET
fbem-11822	190	35	example	example	NOUN
fbem-11822	191	1	[	[	X
fbem-11822	191	2	j	j	X
fbem-11822	191	3	]	]	X
fbem-11822	191	4	.	.	PUNCT
fbem-11822	192	1	management	management	PROPN
fbem-11822	192	2	review	review	PROPN
fbem-11822	192	3	,	,	PUNCT
fbem-11822	192	4	2019,31(08	2019,31(08	NUM
fbem-11822	192	5	)	)	PUNCT
fbem-11822	192	6	:	:	PUNCT
fbem-11822	192	7	277	277	NUM
fbem-11822	192	8	-	-	SYM
fbem-11822	192	9	294	294	NUM
fbem-11822	192	10	.	.	PUNCT
fbem-11822	193	1	doi	doi	NOUN
fbem-11822	193	2	:	:	PUNCT
fbem-11822	193	3	10.14120	10.14120	NUM
fbem-11822	193	4	/	/	SYM
fbem-11822	193	5	j.	j.	PROPN
fbem-11822	193	6	cnki	cnki	PROPN
fbem-11822	193	7	.	.	PUNCT
fbem-11822	194	1	cn11	cn11	PROPN
fbem-11822	194	2	-	-	PUNCT
fbem-11822	194	3	5057	5057	NUM
fbem-11822	194	4	/	/	SYM
fbem-11822	194	5	f.	f.	PROPN
fbem-11822	194	6	2019.08.024	2019.08.024	PROPN
fbem-11822	194	7	.	.	PUNCT
fbem-11822	195	1	[	[	X
fbem-11822	195	2	13	13	NUM
fbem-11822	195	3	]	]	X
fbem-11822	195	4	guo	guo	PROPN
fbem-11822	195	5	pin	pin	PROPN
fbem-11822	195	6	,	,	PUNCT
fbem-11822	195	7	shen	shen	PROPN
fbem-11822	195	8	yue	yue	PROPN
fbem-11822	195	9	.	.	PROPN
fbem-11822	195	10	internet	internet	NOUN
fbem-11822	195	11	finance	finance	NOUN
fbem-11822	195	12	,	,	PUNCT
fbem-11822	195	13	deposit	deposit	NOUN
fbem-11822	195	14	competition	competition	NOUN
fbem-11822	195	15	and	and	CCONJ
fbem-11822	195	16	bank	bank	NOUN
fbem-11822	195	17	risk	risk	NOUN
fbem-11822	195	18	-	-	PUNCT
fbem-11822	195	19	taking	taking	NOUN
fbem-11822	195	20	[	[	PUNCT
fbem-11822	195	21	j	j	X
fbem-11822	195	22	]	]	PUNCT
fbem-11822	195	23	.	.	PUNCT
fbem-11822	196	1	financial	financial	ADJ
fbem-11822	196	2	research	research	PROPN
fbem-11822	196	3	,	,	PUNCT
fbem-11822	196	4	2019(08	2019(08	NUM
fbem-11822	196	5	)	)	PUNCT
fbem-11822	196	6	:	:	PUNCT
fbem-11822	197	1	58	58	NUM
fbem-11822	197	2	-	-	SYM
fbem-11822	197	3	76	76	NUM
fbem-11822	197	4	.	.	PUNCT
fbem-11822	198	1	[	[	X
fbem-11822	198	2	14	14	NUM
fbem-11822	198	3	]	]	X
fbem-11822	198	4	zheng	zheng	PROPN
fbem-11822	198	5	liansheng	liansheng	PROPN
fbem-11822	198	6	,	,	PUNCT
fbem-11822	198	7	liu	liu	PROPN
fbem-11822	198	8	liang	liang	PROPN
fbem-11822	198	9	,	,	PUNCT
fbem-11822	198	10	xu	xu	PROPN
fbem-11822	198	11	jianjun	jianjun	PROPN
fbem-11822	198	12	.	.	PUNCT
fbem-11822	199	1	the	the	DET
fbem-11822	199	2	status	status	NOUN
fbem-11822	199	3	,	,	PUNCT
fbem-11822	199	4	patterns	pattern	NOUN
fbem-11822	199	5	and	and	CCONJ
fbem-11822	199	6	risks	risk	NOUN
fbem-11822	199	7	of	of	ADP
fbem-11822	199	8	internet	internet	NOUN
fbem-11822	199	9	finance	finance	NOUN
fbem-11822	199	10	:	:	PUNCT
fbem-11822	199	11	an	an	DET
fbem-11822	199	12	analysis	analysis	NOUN
fbem-11822	199	13	based	base	VERB
fbem-11822	199	14	on	on	ADP
fbem-11822	199	15	the	the	DET
fbem-11822	199	16	american	american	ADJ
fbem-11822	199	17	experience	experience	NOUN
fbem-11822	199	18	[	[	X
fbem-11822	199	19	j	j	X
fbem-11822	199	20	]	]	X
fbem-11822	199	21	.	.	PUNCT
fbem-11822	200	1	financial	financial	ADJ
fbem-11822	200	2	market	market	NOUN
fbem-11822	200	3	research	research	NOUN
fbem-11822	200	4	,	,	PUNCT
fbem-11822	200	5	2014(02	2014(02	NUM
fbem-11822	200	6	)	)	PUNCT
fbem-11822	200	7	:	:	PUNCT
fbem-11822	200	8	41	41	NUM
fbem-11822	200	9	-	-	SYM
fbem-11822	200	10	49	49	NUM
fbem-11822	200	11	.	.	PUNCT
fbem-11822	201	1	[	[	X
fbem-11822	201	2	15	15	NUM
fbem-11822	201	3	]	]	X
fbem-11822	201	4	gu	gu	NOUN
fbem-11822	201	5	haifeng	haifeng	PROPN
fbem-11822	201	6	,	,	PUNCT
fbem-11822	201	7	yan	yan	PROPN
fbem-11822	201	8	jun	jun	PROPN
fbem-11822	201	9	..	..	PROPN
fbem-11822	201	10	impact	impact	NOUN
fbem-11822	201	11	of	of	ADP
fbem-11822	201	12	internet	internet	NOUN
fbem-11822	201	13	finance	finance	NOUN
fbem-11822	201	14	on	on	ADP
fbem-11822	201	15	bank	bank	NOUN
fbem-11822	201	16	profitability	profitability	NOUN
fbem-11822	201	17	:	:	PUNCT
fbem-11822	201	18	a	a	DET
fbem-11822	201	19	literature	literature	NOUN
fbem-11822	201	20	review	review	NOUN
fbem-11822	201	21	[	[	PUNCT
fbem-11822	201	22	j	j	X
fbem-11822	201	23	]	]	PUNCT
fbem-11822	201	24	.	.	PUNCT
fbem-11822	202	1	credit	credit	NOUN
fbem-11822	202	2	,	,	PUNCT
fbem-11822	202	3	2019,37(02	2019,37(02	NUM
fbem-11822	202	4	)	)	PUNCT
fbem-11822	202	5	:	:	PUNCT
fbem-11822	202	6	7984	7984	NUM
fbem-11822	202	7	.	.	PUNCT
fbem-11822	203	1	[	[	X
fbem-11822	203	2	16	16	NUM
fbem-11822	203	3	]	]	X
fbem-11822	203	4	guo	guo	PROPN
fbem-11822	203	5	jing	jing	PROPN
fbem-11822	203	6	,	,	PUNCT
fbem-11822	203	7	liu	liu	PROPN
fbem-11822	203	8	jingyi	jingyi	PROPN
fbem-11822	203	9	,	,	PUNCT
fbem-11822	203	10	wang	wang	PROPN
fbem-11822	203	11	liyuan	liyuan	PROPN
fbem-11822	203	12	.	.	PUNCT
fbem-11822	204	1	going	go	VERB
fbem-11822	204	2	with	with	ADP
fbem-11822	204	3	the	the	DET
fbem-11822	204	4	flow	flow	NOUN
fbem-11822	204	5	or	or	CCONJ
fbem-11822	204	6	going	go	VERB
fbem-11822	204	7	after	after	ADP
fbem-11822	204	8	the	the	DET
fbem-11822	204	9	flow	flow	NOUN
fbem-11822	204	10	:	:	PUNCT
fbem-11822	204	11	the“double	the“double	NOUN
fbem-11822	204	12	-	-	PUNCT
fbem-11822	204	13	edged	edge	VERB
fbem-11822	204	14	sword	sword	NOUN
fbem-11822	204	15	”	"	PUNCT
fbem-11822	204	16	effect	effect	NOUN
fbem-11822	204	17	of	of	ADP
fbem-11822	204	18	internet	internet	NOUN
fbem-11822	204	19	finance	finance	NOUN
fbem-11822	204	20	on	on	ADP
fbem-11822	204	21	commercial	commercial	ADJ
fbem-11822	204	22	banks	bank	NOUN
fbem-11822	204	23	'	'	PART
fbem-11822	204	24	risk	risk	NOUN
fbem-11822	204	25	-	-	PUNCT
fbem-11822	204	26	taking	taking	NOUN
fbem-11822	204	27	[	[	PUNCT
fbem-11822	204	28	j	j	PROPN
fbem-11822	204	29	/	/	SYM
fbem-11822	204	30	ol	ol	PROPN
fbem-11822	204	31	]	]	PUNCT
fbem-11822	204	32	.	.	PUNCT
fbem-11822	205	1	journal	journal	PROPN
fbem-11822	205	2	of	of	ADP
fbem-11822	205	3	modern	modern	ADJ
fbem-11822	205	4	finance	finance	NOUN
fbem-11822	205	5	and	and	CCONJ
fbem-11822	205	6	economics	economic	NOUN
fbem-11822	205	7	(	(	PUNCT
fbem-11822	205	8	tianjin	tianjin	PROPN
fbem-11822	205	9	university	university	PROPN
fbem-11822	205	10	of	of	ADP
fbem-11822	205	11	finance	finance	NOUN
fbem-11822	205	12	and	and	CCONJ
fbem-11822	205	13	economics	economic	NOUN
fbem-11822	205	14	)	)	PUNCT
fbem-11822	205	15	,	,	PUNCT
fbem-11822	205	16	2022(12	2022(12	NUM
fbem-11822	205	17	)	)	PUNCT
fbem-11822	205	18	:	:	PUNCT
fbem-11822	205	19	63	63	NUM
fbem-11822	205	20	-	-	SYM
fbem-11822	205	21	76[2022	76[2022	NUM
fbem-11822	205	22	-	-	PUNCT
fbem-11822	205	23	11	11	NUM
fbem-11822	205	24	-	-	SYM
fbem-11822	205	25	28	28	NUM
fbem-11822	205	26	]	]	PUNCT
fbem-11822	205	27	.	.	PUNCT
fbem-11822	206	1	doi	doi	NOUN
fbem-11822	206	2	:	:	PUNCT
fbem-11822	206	3	10.19559	10.19559	NUM
fbem-11822	206	4	/	/	SYM
fbem-11822	206	5	j.	j.	PROPN
fbem-11822	206	6	cnki	cnki	PROPN
fbem-11822	206	7	.	.	PUNCT
fbem-11822	207	1	12.1387.2022.12.004	12.1387.2022.12.004	NUM
fbem-11822	207	2	.	.	PUNCT
fbem-11822	208	1	[	[	X
fbem-11822	208	2	17	17	NUM
fbem-11822	208	3	]	]	X
fbem-11822	208	4	huang	huang	PROPN
fbem-11822	208	5	hang	hang	PROPN
fbem-11822	208	6	.	.	PUNCT
fbem-11822	209	1	a	a	DET
fbem-11822	209	2	study	study	NOUN
fbem-11822	209	3	on	on	ADP
fbem-11822	209	4	the	the	DET
fbem-11822	209	5	impact	impact	NOUN
fbem-11822	209	6	of	of	ADP
fbem-11822	209	7	internet	internet	NOUN
fbem-11822	209	8	finance	finance	NOUN
fbem-11822	209	9	on	on	ADP
fbem-11822	209	10	the	the	DET
fbem-11822	209	11	profitability	profitability	NOUN
fbem-11822	209	12	of	of	ADP
fbem-11822	209	13	commercial	commercial	ADJ
fbem-11822	209	14	banks	bank	NOUN
fbem-11822	209	15	ー	ー	PROPN
fbem-11822	209	16	ー	ー	NOUN
fbem-11822	209	17	taking	take	VERB
fbem-11822	209	18	chongqing	chongqe	VERB
fbem-11822	209	19	bank	bank	NOUN
fbem-11822	209	20	as	as	ADP
fbem-11822	209	21	an	an	DET
fbem-11822	209	22	example	example	NOUN
fbem-11822	210	1	[	[	X
fbem-11822	210	2	d	d	X
fbem-11822	210	3	]	]	PUNCT
fbem-11822	210	4	.	.	PUNCT
fbem-11822	211	1	xi'an:”'xi'an	xi'an:”'xi'an	PROPN
fbem-11822	211	2	university	university	PROPN
fbem-11822	211	3	of	of	ADP
fbem-11822	211	4	technology	technology	NOUN
fbem-11822	211	5	”	"	PUNCT
fbem-11822	211	6	'	'	PUNCT
fbem-11822	211	7	,	,	PUNCT
fbem-11822	211	8	2018	2018	NUM
fbem-11822	211	9	.	.	PUNCT
fbem-11822	212	1	[	[	X
fbem-11822	212	2	18	18	NUM
fbem-11822	212	3	]	]	PUNCT
fbem-11822	212	4	gu	gu	NOUN
fbem-11822	212	5	haifeng	haifeng	PROPN
fbem-11822	212	6	,	,	PUNCT
fbem-11822	212	7	yan	yan	PROPN
fbem-11822	212	8	jun	jun	PROPN
fbem-11822	212	9	..	..	PROPN
fbem-11822	212	10	internet	internet	NOUN
fbem-11822	212	11	finance	finance	NOUN
fbem-11822	212	12	and	and	CCONJ
fbem-11822	212	13	commercial	commercial	ADJ
fbem-11822	212	14	bank	bank	NOUN
fbem-11822	212	15	profitability	profitability	NOUN
fbem-11822	212	16	:	:	PUNCT
fbem-11822	212	17	impact	impact	NOUN
fbem-11822	212	18	or	or	CCONJ
fbem-11822	212	19	boost	boost	VERB
fbem-11822	212	20	ーー	ーー	NOUN
fbem-11822	212	21	from	from	ADP
fbem-11822	212	22	the	the	DET
fbem-11822	212	23	dual	dual	ADJ
fbem-11822	212	24	perspectives	perspective	NOUN
fbem-11822	212	25	of	of	ADP
fbem-11822	212	26	profitability	profitability	NOUN
fbem-11822	212	27	and	and	CCONJ
fbem-11822	212	28	profitability	profitability	NOUN
fbem-11822	212	29	structure	structure	NOUN
fbem-11822	212	30	[	[	X
fbem-11822	212	31	j	j	X
fbem-11822	212	32	]	]	X
fbem-11822	212	33	.	.	PUNCT
fbem-11822	213	1	contemporary	contemporary	ADJ
fbem-11822	213	2	economic	economic	ADJ
fbem-11822	213	3	science	science	NOUN
fbem-11822	213	4	,	,	PUNCT
fbem-11822	213	5	2019,41(04	2019,41(04	NUM
fbem-11822	213	6	)	)	PUNCT
fbem-11822	213	7	:	:	PUNCT
fbem-11822	213	8	100	100	NUM
fbem-11822	213	9	-	-	SYM
fbem-11822	213	10	108	108	NUM
fbem-11822	213	11	.	.	PUNCT
fbem-11822	214	1	[	[	X
fbem-11822	214	2	19	19	NUM
fbem-11822	214	3	]	]	X
fbem-11822	214	4	shen	shen	PROPN
fbem-11822	214	5	zijie	zijie	PROPN
fbem-11822	214	6	,	,	PUNCT
fbem-11822	214	7	yu	yu	PROPN
fbem-11822	214	8	ke	ke	PROPN
fbem-11822	214	9	.	.	PUNCT
fbem-11822	215	1	a	a	DET
fbem-11822	215	2	measure	measure	NOUN
fbem-11822	215	3	of	of	ADP
fbem-11822	215	4	the	the	DET
fbem-11822	215	5	impact	impact	NOUN
fbem-11822	215	6	of	of	ADP
fbem-11822	215	7	the	the	DET
fbem-11822	215	8	rise	rise	NOUN
fbem-11822	215	9	of	of	ADP
fbem-11822	215	10	nonbank	nonbank	NOUN
fbem-11822	215	11	financial	financial	ADJ
fbem-11822	215	12	sectors	sector	NOUN
fbem-11822	215	13	on	on	ADP
fbem-11822	215	14	the	the	DET
fbem-11822	215	15	profitability	profitability	NOUN
fbem-11822	215	16	of	of	ADP
fbem-11822	215	17	commercial	commercial	ADJ
fbem-11822	215	18	banks	bank	NOUN
fbem-11822	215	19	:	:	PUNCT
fbem-11822	215	20	an	an	DET
fbem-11822	215	21	empirical	empirical	ADJ
fbem-11822	215	22	study	study	NOUN
fbem-11822	215	23	based	base	VERB
fbem-11822	215	24	on	on	ADP
fbem-11822	215	25	panel	panel	NOUN
fbem-11822	215	26	data	datum	NOUN
fbem-11822	215	27	of	of	ADP
fbem-11822	215	28	clustering	cluster	VERB
fbem-11822	215	29	robust	robust	ADJ
fbem-11822	215	30	standard	standard	ADJ
fbem-11822	215	31	errors	error	NOUN
fbem-11822	216	1	[	[	X
fbem-11822	216	2	j	j	X
fbem-11822	216	3	]	]	PUNCT
fbem-11822	216	4	.	.	PUNCT
fbem-11822	217	1	journal	journal	PROPN
fbem-11822	217	2	of	of	ADP
fbem-11822	217	3	university	university	PROPN
fbem-11822	217	4	of	of	ADP
fbem-11822	217	5	jinan	jinan	PROPN
fbem-11822	217	6	(	(	PUNCT
fbem-11822	217	7	social	social	ADJ
fbem-11822	217	8	sciences	science	NOUN
fbem-11822	217	9	)	)	PUNCT
fbem-11822	217	10	,	,	PUNCT
fbem-11822	217	11	2020,30(04	2020,30(04	NUM
fbem-11822	217	12	)	)	PUNCT
fbem-11822	217	13	:	:	PUNCT
fbem-11822	217	14	124	124	NUM
fbem-11822	217	15	-	-	SYM
fbem-11822	217	16	135	135	NUM
fbem-11822	217	17	+	+	NUM
fbem-11822	217	18	160	160	NUM
fbem-11822	217	19	.	.	PUNCT
fbem-11822	218	1	[	[	X
fbem-11822	218	2	20	20	NUM
fbem-11822	218	3	]	]	X
fbem-11822	218	4	wang	wang	PROPN
fbem-11822	218	5	yu	yu	PROPN
fbem-11822	218	6	,	,	PUNCT
fbem-11822	218	7	kan	kan	PROPN
fbem-11822	218	8	bo	bo	PROPN
fbem-11822	218	9	.	.	PUNCT
fbem-11822	219	1	the	the	DET
fbem-11822	219	2	impact	impact	NOUN
fbem-11822	219	3	of	of	ADP
fbem-11822	219	4	internet	internet	NOUN
fbem-11822	219	5	finance	finance	NOUN
fbem-11822	219	6	on	on	ADP
fbem-11822	219	7	the	the	DET
fbem-11822	219	8	profitability	profitability	NOUN
fbem-11822	219	9	of	of	ADP
fbem-11822	219	10	commercial	commercial	ADJ
fbem-11822	219	11	banks	bank	NOUN
fbem-11822	220	1	[	[	X
fbem-11822	220	2	j	j	X
fbem-11822	220	3	]	]	X
fbem-11822	220	4	.	.	PUNCT
fbem-11822	221	1	financial	financial	ADJ
fbem-11822	221	2	science	science	NOUN
fbem-11822	221	3	,	,	PUNCT
fbem-11822	221	4	2021(11	2021(11	NUM
fbem-11822	221	5	)	)	PUNCT
fbem-11822	221	6	:	:	PUNCT
fbem-11822	222	1	14	14	NUM
fbem-11822	222	2	-	-	SYM
fbem-11822	222	3	2	2	NUM
fbem-11822	222	4	.	.	PUNCT
fbem-11822	223	1	[	[	X
fbem-11822	223	2	21	21	NUM
fbem-11822	223	3	]	]	X
fbem-11822	223	4	michael	michael	PROPN
fbem-11822	223	5	porter	porter	PROPN
fbem-11822	223	6	.	.	PUNCT
fbem-11822	224	1	competitive	competitive	ADJ
fbem-11822	224	2	strategy	strategy	NOUN
fbem-11822	224	3	[	[	PUNCT
fbem-11822	224	4	m	m	X
fbem-11822	224	5	]	]	PUNCT
fbem-11822	224	6	.	.	PUNCT
fbem-11822	225	1	translated	translate	VERB
fbem-11822	225	2	by	by	ADP
fbem-11822	225	3	qiao	qiao	PROPN
fbem-11822	225	4	xiaodong	xiaodong	PROPN
fbem-11822	225	5	,	,	PUNCT
fbem-11822	225	6	li	li	PROPN
fbem-11822	225	7	donghan	donghan	PROPN
fbem-11822	225	8	,	,	PUNCT
fbem-11822	225	9	wang	wang	PROPN
fbem-11822	225	10	xiqing	xiqing	PROPN
fbem-11822	225	11	and	and	CCONJ
fbem-11822	225	12	tang	tang	PROPN
fbem-11822	225	13	yannong	yannong	PROPN
fbem-11822	225	14	.	.	PUNCT
fbem-11822	226	1	beijing	beijing	PROPN
fbem-11822	226	2	:	:	PUNCT
fbem-11822	227	1	china	china	PROPN
fbem-11822	227	2	finance	finance	PROPN
fbem-11822	227	3	and	and	CCONJ
fbem-11822	227	4	economy	economy	NOUN
fbem-11822	227	5	press	press	NOUN
fbem-11822	227	6	,	,	PUNCT
fbem-11822	227	7	1989:1	1989:1	NOUN
fbem-11822	227	8	-98	-98	ADJ
fbem-11822	227	9	.	.	PUNCT
fbem-11822	228	1	[	[	X
fbem-11822	228	2	22	22	NUM
fbem-11822	228	3	]	]	X
fbem-11822	228	4	zvi	zvi	PROPN
fbem-11822	228	5	bodie	bodie	PROPN
fbem-11822	228	6	.	.	PUNCT
fbem-11822	229	1	finance	finance	PROPN
fbem-11822	230	1	[	[	X
fbem-11822	230	2	m	m	X
fbem-11822	230	3	]	]	X
fbem-11822	230	4	.	.	PUNCT
fbem-11822	231	1	translated	translate	VERB
fbem-11822	231	2	by	by	ADP
fbem-11822	231	3	cao	cao	PROPN
fbem-11822	231	4	hui	hui	PROPN
fbem-11822	231	5	.	.	PUNCT
fbem-11822	232	1	beijing	beijing	PROPN
fbem-11822	232	2	:	:	PUNCT
fbem-11822	232	3	renmin	renmin	PROPN
fbem-11822	232	4	university	university	PROPN
fbem-11822	232	5	press	press	NOUN
fbem-11822	232	6	,	,	PUNCT
fbem-11822	232	7	2018:1	2018:1	NUM
fbem-11822	232	8	-	-	SYM
fbem-11822	232	9	460	460	NUM
fbem-11822	232	10	.	.	PUNCT
fbem-11822	233	1	[	[	X
fbem-11822	233	2	23	23	NUM
fbem-11822	233	3	]	]	X
fbem-11822	233	4	jang	jang	PROPN
fbem-11822	233	5	dong	dong	PROPN
fbem-11822	233	6	-	-	PUNCT
fbem-11822	233	7	hwi	hwi	PROPN
fbem-11822	233	8	.	.	PUNCT
fbem-11822	234	1	a	a	DET
fbem-11822	234	2	study	study	NOUN
fbem-11822	234	3	on	on	ADP
fbem-11822	234	4	the	the	DET
fbem-11822	234	5	mechanism	mechanism	NOUN
fbem-11822	234	6	of	of	ADP
fbem-11822	234	7	the	the	DET
fbem-11822	234	8	impact	impact	NOUN
fbem-11822	234	9	of	of	ADP
fbem-11822	234	10	profit	profit	NOUN
fbem-11822	234	11	models	model	NOUN
fbem-11822	234	12	on	on	ADP
fbem-11822	234	13	profitability	profitability	NOUN
fbem-11822	234	14	and	and	CCONJ
fbem-11822	234	15	risk	risk	NOUN
fbem-11822	235	1	[	[	X
fbem-11822	235	2	d	d	X
fbem-11822	235	3	]	]	PUNCT
fbem-11822	235	4	.	.	PUNCT
fbem-11822	236	1	dalian	dalian	PROPN
fbem-11822	236	2	university	university	PROPN
fbem-11822	236	3	of	of	ADP
fbem-11822	236	4	technology	technology	NOUN
fbem-11822	236	5	,	,	PUNCT
fbem-11822	236	6	2019	2019	NUM
fbem-11822	236	7	.	.	PUNCT
fbem-11822	237	1	doi	doi	NOUN
fbem-11822	237	2	:	:	PUNCT
fbem-11822	237	3	10.26991	10.26991	NUM
fbem-11822	237	4	/	/	SYM
fbem-11822	237	5	d.	d.	PROPN
fbem-11822	237	6	cnki	cnki	PROPN
fbem-11822	237	7	.	.	PUNCT
fbem-11822	238	1	2019.004331	2019.004331	NUM
fbem-11822	238	2	.	.	PUNCT
fbem-11822	239	1	[	[	X
fbem-11822	239	2	24	24	NUM
fbem-11822	239	3	]	]	SYM
fbem-11822	239	4	brown	brown	ADJ
fbem-11822	239	5	,	,	PUNCT
fbem-11822	239	6	k.&kleiner	k.&kleiner	NOUN
fbem-11822	239	7	,	,	PUNCT
fbem-11822	239	8	b.h,“evidence	b.h,“evidence	PROPN
fbem-11822	239	9	on	on	ADP
fbem-11822	239	10	the	the	DET
fbem-11822	239	11	relationship	relationship	NOUN
fbem-11822	239	12	between	between	ADP
fbem-11822	239	13	construction	construction	NOUN
fbem-11822	239	14	and	and	CCONJ
fbem-11822	239	15	profitability	profitability	NOUN
fbem-11822	239	16	in	in	ADP
fbem-11822	239	17	banking”,journal	banking”,journal	ADJ
fbem-11822	239	18	of	of	ADP
fbem-11822	239	19	money	money	NOUN
fbem-11822	239	20	credit	credit	NOUN
fbem-11822	239	21	and	and	CCONJ
fbem-11822	239	22	banking,2005,7	banking,2005,7	PROPN
fbem-11822	239	23	.	.	PUNCT
fbem-11822	240	1	[	[	X
fbem-11822	240	2	25	25	NUM
fbem-11822	240	3	]	]	X
fbem-11822	240	4	zhao	zhao	PROPN
fbem-11822	240	5	xu	xu	PROPN
fbem-11822	240	6	,	,	PUNCT
fbem-11822	240	7	jiang	jiang	PROPN
fbem-11822	240	8	zhensheng	zhensheng	PROPN
fbem-11822	240	9	,	,	PUNCT
fbem-11822	240	10	zhou	zhou	PROPN
fbem-11822	240	11	junmin	junmin	PROPN
fbem-11822	240	12	.	.	PUNCT
fbem-11822	241	1	an	an	DET
fbem-11822	241	2	empirical	empirical	ADJ
fbem-11822	241	3	study	study	NOUN
fbem-11822	241	4	on	on	ADP
fbem-11822	241	5	market	market	NOUN
fbem-11822	241	6	structure	structure	NOUN
fbem-11822	241	7	and	and	CCONJ
fbem-11822	241	8	performance	performance	NOUN
fbem-11822	241	9	of	of	ADP
fbem-11822	241	10	china	china	PROPN
fbem-11822	241	11	's	's	PART
fbem-11822	241	12	banking	banking	NOUN
fbem-11822	241	13	industry	industry	NOUN
fbem-11822	241	14	[	[	PUNCT
fbem-11822	241	15	j	j	X
fbem-11822	241	16	]	]	PUNCT
fbem-11822	241	17	.	.	PUNCT
fbem-11822	242	1	financial	financial	ADJ
fbem-11822	242	2	research	research	NOUN
fbem-11822	242	3	,	,	PUNCT
fbem-11822	242	4	2001,3	2001,3	NUM
fbem-11822	242	5	.	.	PUNCT
fbem-11822	243	1	[	[	X
fbem-11822	243	2	26	26	NUM
fbem-11822	243	3	]	]	X
fbem-11822	243	4	peng	peng	PROPN
fbem-11822	243	5	jiangang	jiangang	PROPN
fbem-11822	243	6	,	,	PUNCT
fbem-11822	243	7	wang	wang	PROPN
fbem-11822	243	8	shujun	shujun	PROPN
fbem-11822	243	9	,	,	PUNCT
fbem-11822	243	10	zou	zou	PROPN
fbem-11822	243	11	ke	ke	PROPN
fbem-11822	243	12	.	.	PUNCT
fbem-11822	243	13	institutional	institutional	ADJ
fbem-11822	243	14	change	change	NOUN
fbem-11822	243	15	,	,	PUNCT
fbem-11822	243	16	diversification	diversification	NOUN
fbem-11822	243	17	and	and	CCONJ
fbem-11822	243	18	performance	performance	NOUN
fbem-11822	243	19	:	:	PUNCT
fbem-11822	243	20	an	an	DET
fbem-11822	243	21	empirical	empirical	ADJ
fbem-11822	243	22	study	study	NOUN
fbem-11822	243	23	based	base	VERB
fbem-11822	243	24	on	on	ADP
fbem-11822	243	25	china	china	PROPN
fbem-11822	243	26	's	's	PART
fbem-11822	243	27	banking	banking	NOUN
fbem-11822	243	28	industry	industry	NOUN
fbem-11822	244	1	[	[	X
fbem-11822	244	2	j	j	X
fbem-11822	244	3	]	]	X
fbem-11822	244	4	.	.	PUNCT
fbem-11822	245	1	financial	financial	ADJ
fbem-11822	245	2	theory	theory	NOUN
fbem-11822	245	3	and	and	CCONJ
fbem-11822	245	4	practice	practice	NOUN
fbem-11822	245	5	.	.	PUNCT
fbem-11822	246	1	2016,37(05	2016,37(05	NUM
fbem-11822	246	2	)	)	PUNCT
fbem-11822	246	3	:	:	PUNCT
fbem-11822	247	1	2	2	NUM
fbem-11822	247	2	-	-	SYM
fbem-11822	247	3	8	8	NUM
fbem-11822	247	4	.	.	PUNCT
fbem-11822	248	1	[	[	X
fbem-11822	248	2	27	27	NUM
fbem-11822	248	3	]	]	X
fbem-11822	248	4	liu	liu	PROPN
fbem-11822	248	5	xiaoyu	xiaoyu	PROPN
fbem-11822	248	6	,	,	PUNCT
fbem-11822	248	7	peng	peng	PROPN
fbem-11822	248	8	yingqi	yingqi	PROPN
fbem-11822	248	9	.	.	PUNCT
fbem-11822	249	1	the	the	DET
fbem-11822	249	2	measure	measure	NOUN
fbem-11822	249	3	of	of	ADP
fbem-11822	249	4	the	the	DET
fbem-11822	249	5	factors	factor	NOUN
fbem-11822	249	6	influencing	influence	VERB
fbem-11822	249	7	the	the	DET
fbem-11822	249	8	profitability	profitability	NOUN
fbem-11822	249	9	of	of	ADP
fbem-11822	249	10	our	our	PRON
fbem-11822	249	11	commercial	commercial	ADJ
fbem-11822	249	12	banks	bank	NOUN
fbem-11822	249	13	under	under	ADP
fbem-11822	249	14	the	the	DET
fbem-11822	249	15	condition	condition	NOUN
fbem-11822	249	16	of	of	ADP
fbem-11822	249	17	interest	interest	NOUN
fbem-11822	249	18	rate	rate	NOUN
fbem-11822	249	19	marketization	marketization	NOUN
fbem-11822	250	1	[	[	X
fbem-11822	250	2	j	j	X
fbem-11822	250	3	]	]	X
fbem-11822	250	4	.	.	PUNCT
fbem-11822	251	1	jiangxi	jiangxi	PROPN
fbem-11822	251	2	social	social	PROPN
fbem-11822	251	3	sciences	sciences	PROPN
fbem-11822	251	4	,	,	PUNCT
fbem-11822	251	5	2019,39(01	2019,39(01	NUM
fbem-11822	251	6	)	)	PUNCT
fbem-11822	251	7	:	:	PUNCT
fbem-11822	251	8	58	58	NUM
fbem-11822	251	9	-	-	SYM
fbem-11822	251	10	65	65	NUM
fbem-11822	251	11	.	.	PUNCT
fbem-11822	252	1	[	[	X
fbem-11822	252	2	28	28	NUM
fbem-11822	252	3	]	]	X
fbem-11822	252	4	su	su	PROPN
fbem-11822	252	5	yang	yang	PROPN
fbem-11822	252	6	.	.	PUNCT
fbem-11822	253	1	study	study	NOUN
fbem-11822	253	2	on	on	ADP
fbem-11822	253	3	the	the	DET
fbem-11822	253	4	transformation	transformation	NOUN
fbem-11822	253	5	of	of	ADP
fbem-11822	253	6	our	our	PRON
fbem-11822	253	7	commercial	commercial	ADJ
fbem-11822	253	8	bank	bank	NOUN
fbem-11822	253	9	's	's	PART
fbem-11822	253	10	profit	profit	NOUN
fbem-11822	253	11	model	model	NOUN
fbem-11822	254	1	[	[	X
fbem-11822	254	2	d	d	X
fbem-11822	254	3	]	]	X
fbem-11822	254	4	.	.	PUNCT
fbem-11822	255	1	central	central	ADJ
fbem-11822	255	2	party	party	PROPN
fbem-11822	255	3	school	school	NOUN
fbem-11822	255	4	of	of	ADP
fbem-11822	255	5	the	the	DET
fbem-11822	255	6	communist	communist	PROPN
fbem-11822	255	7	party	party	PROPN
fbem-11822	255	8	of	of	ADP
fbem-11822	255	9	china	china	PROPN
fbem-11822	255	10	,	,	PUNCT
fbem-11822	255	11	2014	2014	NUM
fbem-11822	255	12	.	.	PUNCT
fbem-11822	256	1	[	[	X
fbem-11822	256	2	29	29	NUM
fbem-11822	256	3	]	]	X
fbem-11822	256	4	jo	jo	PROPN
fbem-11822	256	5	jo	jo	PROPN
fbem-11822	256	6	-	-	PUNCT
fbem-11822	256	7	keung	keung	PROPN
fbem-11822	256	8	.	.	PUNCT
fbem-11822	257	1	the	the	DET
fbem-11822	257	2	mode	mode	NOUN
fbem-11822	257	3	structure	structure	NOUN
fbem-11822	257	4	and	and	CCONJ
fbem-11822	257	5	implementation	implementation	NOUN
fbem-11822	257	6	strategy	strategy	NOUN
fbem-11822	257	7	of	of	ADP
fbem-11822	257	8	strategic	strategic	ADJ
fbem-11822	257	9	management	management	NOUN
fbem-11822	257	10	in	in	ADP
fbem-11822	257	11	china	china	PROPN
fbem-11822	257	12	's	's	PART
fbem-11822	257	13	commercial	commercial	ADJ
fbem-11822	257	14	banks	bank	NOUN
fbem-11822	258	1	[	[	X
fbem-11822	258	2	j	j	X
fbem-11822	258	3	]	]	X
fbem-11822	258	4	.	.	PUNCT
fbem-11822	259	1	financial	financial	PROPN
fbem-11822	259	2	forum	forum	PROPN
fbem-11822	259	3	,	,	PUNCT
fbem-11822	259	4	2005,11	2005,11	NUM
fbem-11822	259	5	.	.	PUNCT
fbem-11822	260	1	[	[	X
fbem-11822	260	2	30	30	NUM
fbem-11822	260	3	]	]	X
fbem-11822	260	4	wang	wang	PROPN
fbem-11822	260	5	manshu	manshu	PROPN
fbem-11822	260	6	,	,	PUNCT
fbem-11822	260	7	liu	liu	PROPN
fbem-11822	260	8	xiaofang	xiaofang	PROPN
fbem-11822	260	9	.	.	PUNCT
fbem-11822	261	1	a	a	DET
fbem-11822	261	2	study	study	NOUN
fbem-11822	261	3	on	on	ADP
fbem-11822	261	4	the	the	DET
fbem-11822	261	5	impact	impact	NOUN
fbem-11822	261	6	of	of	ADP
fbem-11822	261	7	income	income	NOUN
fbem-11822	261	8	structure	structure	NOUN
fbem-11822	261	9	on	on	ADP
fbem-11822	261	10	profitability	profitability	NOUN
fbem-11822	261	11	of	of	ADP
fbem-11822	261	12	commercial	commercial	ADJ
fbem-11822	261	13	banks	bank	NOUN
fbem-11822	261	14	based	base	VERB
fbem-11822	261	15	on	on	ADP
fbem-11822	261	16	panel	panel	NOUN
fbem-11822	261	17	data	datum	NOUN
fbem-11822	261	18	of	of	ADP
fbem-11822	261	19	14	14	NUM
fbem-11822	261	20	listed	list	VERB
fbem-11822	261	21	banks	bank	NOUN
fbem-11822	261	22	in	in	ADP
fbem-11822	261	23	china	china	PROPN
fbem-11822	262	1	[	[	X
fbem-11822	262	2	j	j	X
fbem-11822	262	3	]	]	PUNCT
fbem-11822	262	4	.	.	PUNCT
fbem-11822	263	1	nankai	nankai	PROPN
fbem-11822	263	2	management	management	PROPN
fbem-11822	263	3	review	review	PROPN
fbem-11822	263	4	,	,	PUNCT
fbem-11822	263	5	2013,16(02	2013,16(02	NUM
fbem-11822	263	6	)	)	PUNCT
fbem-11822	263	7	:	:	PUNCT
fbem-11822	263	8	143	143	NUM
fbem-11822	263	9	-	-	SYM
fbem-11822	263	10	149	149	NUM
fbem-11822	263	11	.	.	PUNCT
fbem-11822	264	1	[	[	X
fbem-11822	264	2	31	31	NUM
fbem-11822	264	3	]	]	X
fbem-11822	264	4	wu	wu	PROPN
fbem-11822	264	5	liujie	liujie	PROPN
fbem-11822	264	6	,	,	PUNCT
fbem-11822	264	7	qiao	qiao	NOUN
fbem-11822	264	8	guiming	guiming	NOUN
fbem-11822	264	9	.	.	PUNCT
fbem-11822	265	1	the	the	DET
fbem-11822	265	2	impact	impact	NOUN
fbem-11822	265	3	of	of	ADP
fbem-11822	265	4	diversified	diversified	ADJ
fbem-11822	265	5	profit	profit	NOUN
fbem-11822	265	6	models	model	NOUN
fbem-11822	265	7	on	on	ADP
fbem-11822	265	8	the	the	DET
fbem-11822	265	9	performance	performance	NOUN
fbem-11822	265	10	and	and	CCONJ
fbem-11822	265	11	risk	risk	NOUN
fbem-11822	265	12	of	of	ADP
fbem-11822	265	13	commercial	commercial	ADJ
fbem-11822	265	14	banks	bank	NOUN
fbem-11822	265	15	[	[	X
fbem-11822	265	16	j	j	X
fbem-11822	265	17	]	]	PUNCT
fbem-11822	265	18	.	.	PUNCT
fbem-11822	266	1	journal	journal	NOUN
fbem-11822	266	2	of	of	ADP
fbem-11822	266	3	the	the	DET
fbem-11822	266	4	soochow	soochow	PROPN
fbem-11822	266	5	university	university	NOUN
fbem-11822	266	6	(	(	PUNCT
fbem-11822	266	7	philosophy	philosophy	NOUN
fbem-11822	266	8	and	and	CCONJ
fbem-11822	266	9	social	social	ADJ
fbem-11822	266	10	sciences	science	NOUN
fbem-11822	266	11	)	)	PUNCT
fbem-11822	266	12	,	,	PUNCT
fbem-11822	266	13	2016,37(04	2016,37(04	NUM
fbem-11822	266	14	)	)	PUNCT
fbem-11822	266	15	:	:	PUNCT
fbem-11822	267	1	116	116	NUM
fbem-11822	267	2	-	-	SYM
fbem-11822	267	3	122	122	NUM
fbem-11822	267	4	+	+	NUM
fbem-11822	267	5	191	191	NUM
fbem-11822	267	6	-	-	SYM
fbem-11822	267	7	192	192	NUM
fbem-11822	267	8	.	.	PUNCT
fbem-11822	267	9	doi	doi	NOUN
fbem-11822	267	10	:	:	PUNCT
fbem-11822	267	11	10.19563	10.19563	NUM
fbem-11822	267	12	/	/	SYM
fbem-11822	267	13	j.	j.	PROPN
fbem-11822	267	14	cnki	cnki	PROPN
fbem-11822	267	15	.	.	PUNCT
fbem-11822	268	1	sdzs	sdzs	PROPN
fbem-11822	268	2	.	.	PUNCT
fbem-11822	269	1	2016.04.015	2016.04.015	NUM
fbem-11822	269	2	.	.	PUNCT
fbem-11822	270	1	[	[	X
fbem-11822	270	2	32	32	NUM
fbem-11822	270	3	]	]	X
fbem-11822	270	4	bao	bao	PROPN
fbem-11822	270	5	yunxi	yunxi	PROPN
fbem-11822	270	6	,	,	PUNCT
fbem-11822	270	7	guo	guo	PROPN
fbem-11822	270	8	min	min	PROPN
fbem-11822	270	9	,	,	PUNCT
fbem-11822	270	10	song	song	ADJ
fbem-11822	270	11	qiqing	qiqing	NOUN
fbem-11822	270	12	.	.	PUNCT
fbem-11822	271	1	research	research	NOUN
fbem-11822	271	2	on	on	ADP
fbem-11822	271	3	the	the	DET
fbem-11822	271	4	interaction	interaction	NOUN
fbem-11822	271	5	between	between	ADP
fbem-11822	271	6	internet	internet	NOUN
fbem-11822	271	7	finance	finance	NOUN
fbem-11822	271	8	and	and	CCONJ
fbem-11822	271	9	commercial	commercial	ADJ
fbem-11822	271	10	bank	bank	NOUN
fbem-11822	271	11	based	base	VERB
fbem-11822	271	12	on	on	ADP
fbem-11822	271	13	pvar	pvar	NOUN
fbem-11822	272	1	[	[	X
fbem-11822	272	2	j	j	X
fbem-11822	272	3	]	]	X
fbem-11822	272	4	.	.	PUNCT
fbem-11822	273	1	business	business	NOUN
fbem-11822	273	2	economics	economic	NOUN
fbem-11822	273	3	research	research	NOUN
fbem-11822	273	4	,	,	PUNCT
fbem-11822	273	5	2019(10	2019(10	NUM
fbem-11822	273	6	)	)	PUNCT
fbem-11822	273	7	:	:	PUNCT
fbem-11822	274	1	156	156	NUM
fbem-11822	274	2	-	-	SYM
fbem-11822	274	3	160	160	NUM
fbem-11822	274	4	.	.	PUNCT
fbem-11822	275	1	[	[	X
fbem-11822	275	2	33	33	NUM
fbem-11822	275	3	]	]	PUNCT
fbem-11822	275	4	wang	wang	PROPN
fbem-11822	275	5	xiao	xiao	PROPN
fbem-11822	275	6	,	,	PUNCT
fbem-11822	275	7	li	li	PROPN
fbem-11822	275	8	jia	jia	PROPN
fbem-11822	275	9	.	.	PUNCT
fbem-11822	276	1	the	the	DET
fbem-11822	276	2	impact	impact	NOUN
fbem-11822	276	3	of	of	ADP
fbem-11822	276	4	securitization	securitization	NOUN
fbem-11822	276	5	on	on	ADP
fbem-11822	276	6	the	the	DET
fbem-11822	276	7	profitability	profitability	NOUN
fbem-11822	276	8	of	of	ADP
fbem-11822	276	9	commercial	commercial	ADJ
fbem-11822	276	10	banks	bank	NOUN
fbem-11822	276	11	:	:	PUNCT
fbem-11822	276	12	a	a	DET
fbem-11822	276	13	study	study	NOUN
fbem-11822	276	14	from	from	ADP
fbem-11822	276	15	the	the	DET
fbem-11822	276	16	perspective	perspective	NOUN
fbem-11822	276	17	of	of	ADP
fbem-11822	276	18	heterogeneity	heterogeneity	NOUN
fbem-11822	276	19	[	[	X
fbem-11822	276	20	j	j	X
fbem-11822	276	21	]	]	X
fbem-11822	276	22	.	.	PUNCT
fbem-11822	277	1	financial	financial	PROPN
fbem-11822	277	2	forum	forum	PROPN
fbem-11822	277	3	,	,	PUNCT
fbem-11822	277	4	2021,26(03	2021,26(03	NUM
fbem-11822	277	5	)	)	PUNCT
fbem-11822	277	6	:	:	PUNCT
fbem-11822	277	7	48	48	NUM
fbem-11822	277	8	-	-	SYM
fbem-11822	277	9	59	59	NUM
fbem-11822	277	10	.	.	PUNCT
fbem-11822	278	1	doi	doi	NOUN
fbem-11822	278	2	:	:	PUNCT
fbem-11822	278	3	10.16529	10.16529	NUM
fbem-11822	278	4	/	/	SYM
fbem-11822	278	5	j.	j.	PROPN
fbem-11822	278	6	cnki.11	cnki.11	PROPN
fbem-11822	278	7	-	-	PUNCT
fbem-11822	278	8	4613	4613	NUM
fbem-11822	278	9	/	/	SYM
fbem-11822	278	10	f.	f.	NOUN
fbem-11822	278	11	2021.03.007	2021.03.007	NUM
fbem-11822	278	12	.	.	PUNCT
fbem-11822	279	1	107	107	NUM
fbem-11822	280	1	[	[	X
fbem-11822	280	2	34	34	NUM
fbem-11822	280	3	]	]	X
fbem-11822	280	4	fang	fang	X
fbem-11822	280	5	fang	fang	PROPN
fbem-11822	280	6	kullander	kullander	PROPN
fbem-11822	280	7	chen	chen	PROPN
fbem-11822	280	8	.	.	PUNCT
fbem-11822	281	1	a	a	DET
fbem-11822	281	2	study	study	NOUN
fbem-11822	281	3	on	on	ADP
fbem-11822	281	4	the	the	DET
fbem-11822	281	5	marginal	marginal	ADJ
fbem-11822	281	6	risk	risk	NOUN
fbem-11822	281	7	of	of	ADP
fbem-11822	281	8	inter	inter	ADJ
fbem-11822	281	9	-	-	ADJ
fbem-11822	281	10	bank	bank	ADJ
fbem-11822	281	11	asset	asset	NOUN
fbem-11822	281	12	gap	gap	NOUN
fbem-11822	281	13	:	:	PUNCT
fbem-11822	281	14	from	from	ADP
fbem-11822	281	15	the	the	DET
fbem-11822	281	16	perspective	perspective	NOUN
fbem-11822	281	17	of	of	ADP
fbem-11822	281	18	internet	internet	NOUN
fbem-11822	281	19	financing	financing	NOUN
fbem-11822	281	20	[	[	PUNCT
fbem-11822	281	21	j	j	X
fbem-11822	281	22	]	]	PUNCT
fbem-11822	281	23	.	.	PUNCT
fbem-11822	282	1	guangdong	guangdong	PROPN
fbem-11822	282	2	social	social	PROPN
fbem-11822	282	3	sciences	sciences	PROPN
fbem-11822	282	4	,	,	PUNCT
fbem-11822	282	5	2021(01	2021(01	NUM
fbem-11822	282	6	)	)	PUNCT
fbem-11822	282	7	:	:	PUNCT
fbem-11822	282	8	14	14	NUM
fbem-11822	282	9	-23	-23	NUM
fbem-11822	282	10	.	.	PUNCT
fbem-11822	283	1	[	[	X
fbem-11822	283	2	35	35	NUM
fbem-11822	283	3	]	]	X
fbem-11822	283	4	xiong	xiong	PROPN
fbem-11822	283	5	jian	jian	PROPN
fbem-11822	283	6	,	,	PUNCT
fbem-11822	283	7	chen	chen	PROPN
fbem-11822	283	8	qiuyue	qiuyue	PROPN
fbem-11822	283	9	,	,	PUNCT
fbem-11822	283	10	dong	dong	PROPN
fbem-11822	283	11	xiaolin	xiaolin	PROPN
fbem-11822	283	12	.	.	PUNCT
fbem-11822	284	1	will	will	AUX
fbem-11822	284	2	cooperation	cooperation	VERB
fbem-11822	284	3	with	with	ADP
fbem-11822	284	4	external	external	ADJ
fbem-11822	284	5	financial	financial	ADJ
fbem-11822	284	6	technology	technology	NOUN
fbem-11822	284	7	enterprises	enterprise	NOUN
fbem-11822	284	8	affect	affect	VERB
fbem-11822	284	9	the	the	DET
fbem-11822	284	10	risk	risk	NOUN
fbem-11822	284	11	-	-	PUNCT
fbem-11822	284	12	taking	taking	NOUN
fbem-11822	284	13	of	of	ADP
fbem-11822	284	14	small	small	ADJ
fbem-11822	284	15	and	and	CCONJ
fbem-11822	284	16	medium	medium	ADJ
fbem-11822	284	17	-	-	PUNCT
fbem-11822	284	18	sized	sized	ADJ
fbem-11822	284	19	banks	bank	NOUN
fbem-11822	284	20	?	?	PUNCT
fbem-11822	285	1	empirical	empirical	ADJ
fbem-11822	285	2	evidence	evidence	NOUN
fbem-11822	285	3	from	from	ADP
fbem-11822	285	4	city	city	NOUN
fbem-11822	285	5	commercial	commercial	ADJ
fbem-11822	285	6	banks	bank	NOUN
fbem-11822	285	7	[	[	PUNCT
fbem-11822	285	8	j	j	X
fbem-11822	285	9	]	]	PUNCT
fbem-11822	285	10	.	.	PUNCT
fbem-11822	286	1	learning	learning	NOUN
fbem-11822	286	2	and	and	CCONJ
fbem-11822	286	3	practice	practice	NOUN
fbem-11822	286	4	,	,	PUNCT
fbem-11822	286	5	2022(11	2022(11	NUM
fbem-11822	286	6	)	)	PUNCT
fbem-11822	286	7	:	:	PUNCT
fbem-11822	286	8	54	54	NUM
fbem-11822	286	9	-	-	SYM
fbem-11822	286	10	64	64	NUM
fbem-11822	286	11	.	.	PUNCT
fbem-11822	287	1	doi	doi	NOUN
fbem-11822	287	2	:	:	PUNCT
fbem-11822	287	3	10.19624	10.19624	NUM
fbem-11822	287	4	/	/	SYM
fbem-11822	287	5	j.	j.	PROPN
fbem-11822	287	6	cnki	cnki	PROPN
fbem-11822	287	7	.	.	PUNCT
fbem-11822	288	1	cn42.1005	cn42.1005	PROPN
fbem-11822	288	2	/	/	SYM
fbem-11822	288	3	c.	c.	PROPN
fbem-11822	288	4	2022.11.009	2022.11.009	NUM
fbem-11822	288	5	.	.	PUNCT
fbem-11822	289	1	[	[	X
fbem-11822	289	2	36	36	NUM
fbem-11822	289	3	]	]	X
fbem-11822	289	4	zhao	zhao	PROPN
fbem-11822	289	5	xin	xin	PROPN
fbem-11822	289	6	,	,	PUNCT
fbem-11822	289	7	cao	cao	PROPN
fbem-11822	289	8	sen	sen	PROPN
fbem-11822	289	9	,	,	PUNCT
fbem-11822	289	10	ding	ding	ADJ
fbem-11822	289	11	li	li	PROPN
fbem-11822	289	12	-	-	PROPN
fbem-11822	289	13	lai	lai	PROPN
fbem-11822	289	14	.	.	PUNCT
fbem-11822	290	1	the	the	DET
fbem-11822	290	2	impact	impact	NOUN
fbem-11822	290	3	of	of	ADP
fbem-11822	290	4	internet	internet	NOUN
fbem-11822	290	5	dependence	dependence	NOUN
fbem-11822	290	6	on	on	ADP
fbem-11822	290	7	household	household	NOUN
fbem-11822	290	8	carbon	carbon	NOUN
fbem-11822	290	9	emissions	emission	NOUN
fbem-11822	290	10	:	:	PUNCT
fbem-11822	290	11	a	a	DET
fbem-11822	290	12	chain	chain	NOUN
fbem-11822	290	13	of	of	ADP
fbem-11822	290	14	intermediation	intermediation	NOUN
fbem-11822	290	15	between	between	ADP
fbem-11822	290	16	income	income	NOUN
fbem-11822	290	17	inequality	inequality	NOUN
fbem-11822	290	18	and	and	CCONJ
fbem-11822	290	19	consumption	consumption	NOUN
fbem-11822	290	20	escalation	escalation	NOUN
fbem-11822	291	1	[	[	X
fbem-11822	291	2	j	j	X
fbem-11822	291	3	]	]	PUNCT
fbem-11822	291	4	.	.	PUNCT
fbem-11822	292	1	journal	journal	PROPN
fbem-11822	292	2	of	of	ADP
fbem-11822	292	3	beijing	beijing	PROPN
fbem-11822	292	4	institute	institute	PROPN
fbem-11822	292	5	of	of	ADP
fbem-11822	292	6	technology	technology	PROPN
fbem-11822	292	7	science	science	NOUN
fbem-11822	292	8	(	(	PUNCT
fbem-11822	292	9	social	social	ADJ
fbem-11822	292	10	sciences	science	NOUN
fbem-11822	292	11	)	)	PUNCT
fbem-11822	292	12	,	,	PUNCT
fbem-11822	292	13	2021,23(04	2021,23(04	NUM
fbem-11822	292	14	)	)	PUNCT
fbem-11822	292	15	:	:	PUNCT
fbem-11822	292	16	49	49	NUM
fbem-11822	292	17	-	-	SYM
fbem-11822	292	18	59	59	NUM
fbem-11822	292	19	.	.	PUNCT
fbem-11822	293	1	doi	doi	NOUN
fbem-11822	293	2	:	:	PUNCT
fbem-11822	293	3	10.15918	10.15918	NUM
fbem-11822	293	4	/	/	SYM
fbem-11822	293	5	j.	j.	PROPN
fbem-11822	293	6	jbitss	jbitss	PROPN
fbem-11822	293	7	1009	1009	NUM
fbem-11822	293	8	-	-	SYM
fbem-11822	293	9	3370.2021.3482	3370.2021.3482	NUM
fbem-11822	293	10	.	.	PUNCT
fbem-11822	294	1	[	[	X
fbem-11822	294	2	37	37	NUM
fbem-11822	294	3	]	]	X
fbem-11822	294	4	liu	liu	PROPN
fbem-11822	294	5	mengfei	mengfei	PROPN
fbem-11822	294	6	,	,	PUNCT
fbem-11822	294	7	wang	wang	PROPN
fbem-11822	294	8	qi	qi	PROPN
fbem-11822	294	9	.	.	PROPN
fbem-11822	294	10	does	do	AUX
fbem-11822	294	11	internet	internet	NOUN
fbem-11822	294	12	finance	finance	NOUN
fbem-11822	294	13	reduce	reduce	VERB
fbem-11822	294	14	the	the	DET
fbem-11822	294	15	profitability	profitability	NOUN
fbem-11822	294	16	of	of	ADP
fbem-11822	294	17	commercial	commercial	ADJ
fbem-11822	294	18	banks	bank	NOUN
fbem-11822	294	19	?	?	PUNCT
fbem-11822	295	1	a	a	DET
fbem-11822	295	2	source	source	NOUN
fbem-11822	295	3	-	-	PUNCT
fbem-11822	295	4	and	and	CCONJ
fbem-11822	295	5	-	-	PUNCT
fbem-11822	295	6	structure	structure	NOUN
fbem-11822	295	7	perspective	perspective	NOUN
fbem-11822	296	1	[	[	X
fbem-11822	296	2	j	j	X
fbem-11822	296	3	]	]	PUNCT
fbem-11822	296	4	.	.	PUNCT
fbem-11822	297	1	journal	journal	PROPN
fbem-11822	297	2	of	of	ADP
fbem-11822	297	3	beijing	beijing	PROPN
fbem-11822	297	4	institute	institute	PROPN
fbem-11822	297	5	of	of	ADP
fbem-11822	297	6	technology	technology	PROPN
fbem-11822	297	7	science	science	NOUN
fbem-11822	297	8	(	(	PUNCT
fbem-11822	297	9	social	social	ADJ
fbem-11822	297	10	sciences	science	NOUN
fbem-11822	297	11	)	)	PUNCT
fbem-11822	297	12	,	,	PUNCT
fbem-11822	297	13	2021,23(06	2021,23(06	NUM
fbem-11822	297	14	)	)	PUNCT
fbem-11822	297	15	:	:	PUNCT
fbem-11822	298	1	96	96	NUM
fbem-11822	298	2	-	-	SYM
fbem-11822	298	3	109	109	NUM
fbem-11822	298	4	.	.	PUNCT
fbem-11822	298	5	doi	doi	NOUN
fbem-11822	298	6	:	:	PUNCT
fbem-11822	298	7	10.15918	10.15918	NUM
fbem-11822	298	8	/	/	SYM
fbem-11822	298	9	j.	j.	PROPN
fbem-11822	298	10	jbitss	jbitss	PROPN
fbem-11822	298	11	1009	1009	NUM
fbem-11822	298	12	-	-	SYM
fbem-11822	298	13	3370.2021.2222	3370.2021.2222	NOUN
fbem-11822	298	14	.	.	PUNCT
fbem-11822	299	1	[	[	X
fbem-11822	299	2	38	38	NUM
fbem-11822	299	3	]	]	PUNCT
fbem-11822	299	4	shen	shen	PROPN
fbem-11822	299	5	zijie	zijie	PROPN
fbem-11822	299	6	,	,	PUNCT
fbem-11822	299	7	yu	yu	PROPN
fbem-11822	299	8	ke	ke	PROPN
fbem-11822	299	9	.	.	PUNCT
fbem-11822	300	1	a	a	DET
fbem-11822	300	2	measure	measure	NOUN
fbem-11822	300	3	of	of	ADP
fbem-11822	300	4	the	the	DET
fbem-11822	300	5	impact	impact	NOUN
fbem-11822	300	6	of	of	ADP
fbem-11822	300	7	the	the	DET
fbem-11822	300	8	rise	rise	NOUN
fbem-11822	300	9	of	of	ADP
fbem-11822	300	10	nonbank	nonbank	NOUN
fbem-11822	300	11	financial	financial	ADJ
fbem-11822	300	12	sectors	sector	NOUN
fbem-11822	300	13	on	on	ADP
fbem-11822	300	14	the	the	DET
fbem-11822	300	15	profitability	profitability	NOUN
fbem-11822	300	16	of	of	ADP
fbem-11822	300	17	commercial	commercial	ADJ
fbem-11822	300	18	banks	bank	NOUN
fbem-11822	300	19	:	:	PUNCT
fbem-11822	300	20	an	an	DET
fbem-11822	300	21	empirical	empirical	ADJ
fbem-11822	300	22	study	study	NOUN
fbem-11822	300	23	based	base	VERB
fbem-11822	300	24	on	on	ADP
fbem-11822	300	25	panel	panel	NOUN
fbem-11822	300	26	data	datum	NOUN
fbem-11822	300	27	of	of	ADP
fbem-11822	300	28	clustering	cluster	VERB
fbem-11822	300	29	robust	robust	ADJ
fbem-11822	300	30	standard	standard	ADJ
fbem-11822	300	31	errors	error	NOUN
fbem-11822	301	1	[	[	X
fbem-11822	301	2	j	j	X
fbem-11822	301	3	]	]	PUNCT
fbem-11822	301	4	.	.	PUNCT
fbem-11822	302	1	journal	journal	PROPN
fbem-11822	302	2	of	of	ADP
fbem-11822	302	3	university	university	PROPN
fbem-11822	302	4	of	of	ADP
fbem-11822	302	5	jinan	jinan	PROPN
fbem-11822	302	6	(	(	PUNCT
fbem-11822	302	7	social	social	ADJ
fbem-11822	302	8	sciences	science	NOUN
fbem-11822	302	9	)	)	PUNCT
fbem-11822	302	10	,	,	PUNCT
fbem-11822	302	11	2020,30(04	2020,30(04	NUM
fbem-11822	302	12	)	)	PUNCT
fbem-11822	302	13	:	:	PUNCT
fbem-11822	302	14	124	124	NUM
fbem-11822	302	15	-	-	SYM
fbem-11822	302	16	135	135	NUM
fbem-11822	302	17	+	+	NUM
fbem-11822	302	18	160	160	NUM
fbem-11822	302	19	.	.	PUNCT
fbem-11822	303	1	[	[	X
fbem-11822	303	2	39	39	NUM
fbem-11822	303	3	]	]	PUNCT
fbem-11822	303	4	zhu	zhu	PROPN
fbem-11822	303	5	guo	guo	PROPN
fbem-11822	303	6	yiming	yiming	PROPN
fbem-11822	303	7	,	,	PUNCT
fbem-11822	303	8	wang	wang	PROPN
fbem-11822	303	9	wan	wan	PROPN
fbem-11822	303	10	wan	wan	PROPN
fbem-11822	303	11	,	,	PUNCT
fbem-11822	303	12	ling	ling	PROPN
fbem-11822	303	13	yun	yun	PROPN
fbem-11822	303	14	.	.	PUNCT
fbem-11822	304	1	m	m	PROPN
fbem-11822	304	2	&	&	CCONJ
fbem-11822	304	3	a	a	DET
fbem-11822	304	4	goodwill	goodwill	NOUN
fbem-11822	304	5	and	and	CCONJ
fbem-11822	304	6	technological	technological	ADJ
fbem-11822	304	7	innovation	innovation	NOUN
fbem-11822	305	1	[	[	X
fbem-11822	305	2	j	j	X
fbem-11822	305	3	]	]	X
fbem-11822	305	4	.	.	PUNCT
fbem-11822	306	1	management	management	NOUN
fbem-11822	306	2	of	of	ADP
fbem-11822	306	3	scientific	scientific	ADJ
fbem-11822	306	4	research	research	NOUN
fbem-11822	306	5	,	,	PUNCT
fbem-11822	306	6	2021,42(02	2021,42(02	NUM
fbem-11822	306	7	)	)	PUNCT
fbem-11822	306	8	:	:	PUNCT
fbem-11822	306	9	77	77	NUM
fbem-11822	306	10	-	-	SYM
fbem-11822	306	11	87	87	NUM
fbem-11822	306	12	.	.	PUNCT
fbem-11822	307	1	doi	doi	NOUN
fbem-11822	307	2	:	:	PUNCT
fbem-11822	307	3	10.19571	10.19571	NUM
fbem-11822	307	4	/	/	SYM
fbem-11822	307	5	j.	j.	PROPN
fbem-11822	307	6	cnki	cnki	PROPN
fbem-11822	307	7	.	.	PUNCT
fbem-11822	308	1	10002995.2021.02.008	10002995.2021.02.008	PROPN
fbem-11822	308	2	.	.	PUNCT
fbem-11822	309	1	[	[	X
fbem-11822	309	2	40	40	NUM
fbem-11822	309	3	]	]	X
fbem-11822	309	4	liu	liu	PROPN
fbem-11822	309	5	li	li	PROPN
fbem-11822	309	6	,	,	PUNCT
fbem-11822	309	7	song	song	NOUN
fbem-11822	309	8	zhiyi	zhiyi	PROPN
fbem-11822	309	9	.	.	PUNCT
fbem-11822	310	1	economic	economic	ADJ
fbem-11822	310	2	value	value	NOUN
fbem-11822	310	3	added	add	VERB
fbem-11822	310	4	(	(	PUNCT
fbem-11822	310	5	reva	reva	PROPN
fbem-11822	310	6	)	)	PUNCT
fbem-11822	310	7	and	and	CCONJ
fbem-11822	310	8	revised	revise	VERB
fbem-11822	310	9	economic	economic	ADJ
fbem-11822	310	10	value	value	NOUN
fbem-11822	310	11	added	add	VERB
fbem-11822	310	12	(	(	PUNCT
fbem-11822	310	13	reva	reva	PROPN
fbem-11822	310	14	)	)	PUNCT
fbem-11822	310	15	index	index	NOUN
fbem-11822	311	1	[	[	X
fbem-11822	311	2	j	j	X
fbem-11822	311	3	]	]	X
fbem-11822	311	4	.	.	PUNCT
fbem-11822	312	1	accounting	accounting	NOUN
fbem-11822	312	2	research	research	NOUN
fbem-11822	312	3	,	,	PUNCT
fbem-11822	312	4	1999(01	1999(01	NUM
fbem-11822	312	5	)	)	PUNCT
fbem-11822	312	6	:	:	PUNCT
fbem-11822	313	1	31	31	NUM
fbem-11822	313	2	-	-	SYM
fbem-11822	313	3	37	37	NUM
fbem-11822	313	4	.	.	PUNCT
fbem-11822	314	1	[	[	X
fbem-11822	314	2	41	41	NUM
fbem-11822	314	3	]	]	PUNCT
fbem-11822	314	4	an	an	DET
fbem-11822	314	5	wang	wang	PROPN
fbem-11822	314	6	.	.	PUNCT
fbem-11822	315	1	research	research	NOUN
fbem-11822	315	2	on	on	ADP
fbem-11822	315	3	enterprise	enterprise	NOUN
fbem-11822	315	4	value	value	NOUN
fbem-11822	315	5	assessment	assessment	NOUN
fbem-11822	315	6	based	base	VERB
fbem-11822	315	7	on	on	ADP
fbem-11822	315	8	reva	reva	PROPN
fbem-11822	315	9	[	[	X
fbem-11822	315	10	d	d	X
fbem-11822	315	11	]	]	PUNCT
fbem-11822	315	12	.	.	PUNCT
fbem-11822	316	1	tianjin	tianjin	PROPN
fbem-11822	316	2	university	university	PROPN
fbem-11822	316	3	of	of	ADP
fbem-11822	316	4	science	science	NOUN
fbem-11822	316	5	and	and	CCONJ
fbem-11822	316	6	technology	technology	NOUN
fbem-11822	316	7	,	,	PUNCT
fbem-11822	316	8	2020	2020	NUM
fbem-11822	316	9	.	.	PUNCT
fbem-11822	317	1	doi	doi	NOUN
fbem-11822	317	2	:	:	PUNCT
fbem-11822	317	3	10.27359	10.27359	NUM
fbem-11822	317	4	/	/	SYM
fbem-11822	317	5	d.	d.	PROPN
fbem-11822	317	6	cnki	cnki	PROPN
fbem-11822	317	7	.	.	PUNCT
fbem-11822	318	1	gtqgu	gtqgu	PROPN
fbem-11822	318	2	.	.	PUNCT
fbem-11822	319	1	2020.000186	2020.000186	NUM
fbem-11822	319	2	.	.	PUNCT
fbem-11822	320	1	[	[	X
fbem-11822	320	2	42	42	NUM
fbem-11822	320	3	]	]	X
fbem-11822	320	4	wang	wang	PROPN
fbem-11822	320	5	ruifu	ruifu	VERB
fbem-11822	320	6	.	.	PUNCT
fbem-11822	321	1	enterprise	enterprise	NOUN
fbem-11822	321	2	value	value	NOUN
fbem-11822	321	3	evaluation	evaluation	NOUN
fbem-11822	321	4	of	of	ADP
fbem-11822	321	5	gem	gem	NOUN
fbem-11822	321	6	listed	list	VERB
fbem-11822	321	7	companies	company	NOUN
fbem-11822	321	8	based	base	VERB
fbem-11822	321	9	on	on	ADP
fbem-11822	321	10	reva	reva	PROPN
fbem-11822	321	11	[	[	X
fbem-11822	321	12	d	d	X
fbem-11822	321	13	]	]	PUNCT
fbem-11822	321	14	.	.	PUNCT
fbem-11822	322	1	capital	capital	PROPN
fbem-11822	322	2	university	university	PROPN
fbem-11822	322	3	of	of	ADP
fbem-11822	322	4	economics	economic	NOUN
fbem-11822	322	5	and	and	CCONJ
fbem-11822	322	6	business	business	NOUN
fbem-11822	322	7	,	,	PUNCT
fbem-11822	322	8	2014	2014	NUM
fbem-11822	322	9	.	.	PUNCT
fbem-11822	323	1	[	[	X
fbem-11822	323	2	43	43	NUM
fbem-11822	323	3	]	]	X
fbem-11822	323	4	zhang	zhang	PROPN
fbem-11822	323	5	xiaoqing	xiaoqing	PROPN
fbem-11822	323	6	.	.	PUNCT
fbem-11822	324	1	the	the	DET
fbem-11822	324	2	application	application	NOUN
fbem-11822	324	3	of	of	ADP
fbem-11822	324	4	reva	reva	PROPN
fbem-11822	324	5	model	model	PROPN
fbem-11822	324	6	in	in	ADP
fbem-11822	324	7	the	the	DET
fbem-11822	324	8	valuation	valuation	NOUN
fbem-11822	324	9	of	of	ADP
fbem-11822	324	10	new	new	ADJ
fbem-11822	324	11	third	third	ADJ
fbem-11822	324	12	board	board	NOUN
fbem-11822	324	13	company	company	NOUN
fbem-11822	324	14	ー	ー	PROPN
fbem-11822	324	15	ー	ー	NOUN
fbem-11822	324	16	taking	take	VERB
fbem-11822	324	17	heshenji	heshenji	ADJ
fbem-11822	324	18	industry	industry	NOUN
fbem-11822	324	19	as	as	ADP
fbem-11822	324	20	an	an	DET
fbem-11822	324	21	example	example	NOUN
fbem-11822	324	22	[	[	PUNCT
fbem-11822	324	23	j	j	X
fbem-11822	324	24	]	]	PUNCT
fbem-11822	324	25	.	.	PUNCT
fbem-11822	325	1	financial	financial	ADJ
fbem-11822	325	2	newsletter	newsletter	NOUN
fbem-11822	325	3	,	,	PUNCT
fbem-11822	325	4	2019(17	2019(17	NUM
fbem-11822	325	5	)	)	PUNCT
fbem-11822	325	6	:	:	PUNCT
fbem-11822	325	7	62	62	NUM
fbem-11822	325	8	-	-	SYM
fbem-11822	325	9	66	66	NUM
fbem-11822	325	10	.	.	PUNCT
fbem-11822	326	1	doi	doi	NOUN
fbem-11822	326	2	:	:	PUNCT
fbem-11822	326	3	10.16144	10.16144	NUM
fbem-11822	326	4	/	/	SYM
fbem-11822	326	5	j.	j.	PROPN
fbem-11822	326	6	cnki	cnki	PROPN
fbem-11822	326	7	.	.	PUNCT
fbem-11822	327	1	issn10028072.2019.17.014	issn10028072.2019.17.014	PROPN
fbem-11822	327	2	.	.	PUNCT
fbem-11822	328	1	[	[	X
fbem-11822	328	2	44	44	NUM
fbem-11822	328	3	]	]	PUNCT
fbem-11822	328	4	anna	anna	PROPN
fbem-11822	328	5	wang	wang	PROPN
fbem-11822	328	6	.	.	PUNCT
fbem-11822	329	1	enterprise	enterprise	NOUN
fbem-11822	329	2	value	value	NOUN
fbem-11822	329	3	evaluation	evaluation	NOUN
fbem-11822	329	4	based	base	VERB
fbem-11822	329	5	on	on	ADP
fbem-11822	329	6	reva	reva	PROPN
fbem-11822	329	7	model	model	PROPN
fbem-11822	329	8	:	:	PUNCT
fbem-11822	329	9	taking	take	VERB
fbem-11822	329	10	new	new	ADJ
fbem-11822	329	11	hope	hope	NOUN
fbem-11822	329	12	as	as	ADP
fbem-11822	329	13	an	an	DET
fbem-11822	329	14	example	example	NOUN
fbem-11822	329	15	[	[	PUNCT
fbem-11822	329	16	j	j	X
fbem-11822	329	17	]	]	PUNCT
fbem-11822	329	18	.	.	PUNCT
fbem-11822	330	1	guangxi	guangxi	PROPN
fbem-11822	330	2	journal	journal	PROPN
fbem-11822	330	3	of	of	ADP
fbem-11822	330	4	quality	quality	PROPN
fbem-11822	330	5	supervision	supervision	NOUN
fbem-11822	330	6	,	,	PUNCT
fbem-11822	330	7	2020(10	2020(10	NUM
fbem-11822	330	8	)	)	PUNCT
fbem-11822	330	9	:	:	PUNCT
fbem-11822	330	10	123	123	NUM
fbem-11822	330	11	-	-	SYM
fbem-11822	330	12	124	124	NUM
fbem-11822	330	13	.	.	PUNCT