id	sid	tid	token	lemma	pos
fbem-12158	1	1	frontiers	frontier	NOUN
fbem-12158	1	2	in	in	ADP
fbem-12158	1	3	business	business	NOUN
fbem-12158	1	4	,	,	PUNCT
fbem-12158	1	5	economics	economic	NOUN
fbem-12158	1	6	and	and	CCONJ
fbem-12158	1	7	management	management	NOUN
fbem-12158	1	8	issn	issn	PROPN
fbem-12158	1	9	:	:	PUNCT
fbem-12158	1	10	2766	2766	NUM
fbem-12158	1	11	-	-	PUNCT
fbem-12158	1	12	824x	824x	NUM
fbem-12158	1	13	|	|	ADJ
fbem-12158	1	14	vol	vol	NOUN
fbem-12158	1	15	.	.	PUNCT
fbem-12158	2	1	11	11	NUM
fbem-12158	2	2	,	,	PUNCT
fbem-12158	2	3	no	no	INTJ
fbem-12158	2	4	.	.	NOUN
fbem-12158	2	5	2	2	NUM
fbem-12158	2	6	,	,	PUNCT
fbem-12158	2	7	2023	2023	NUM
fbem-12158	2	8	28	28	NUM
fbem-12158	3	1	the	the	DET
fbem-12158	3	2	impact	impact	NOUN
fbem-12158	3	3	of	of	ADP
fbem-12158	3	4	exchange	exchange	NOUN
fbem-12158	3	5	rate	rate	NOUN
fbem-12158	3	6	changes	change	NOUN
fbem-12158	3	7	and	and	CCONJ
fbem-12158	3	8	diversified	diversified	ADJ
fbem-12158	3	9	revenue	revenue	NOUN
fbem-12158	3	10	structure	structure	NOUN
fbem-12158	3	11	on	on	ADP
fbem-12158	3	12	the	the	DET
fbem-12158	3	13	profitability	profitability	NOUN
fbem-12158	3	14	of	of	ADP
fbem-12158	3	15	commercial	commercial	ADJ
fbem-12158	3	16	banks	bank	NOUN
fbem-12158	3	17	yufei	yufei	PROPN
fbem-12158	3	18	gong	gong	PROPN
fbem-12158	3	19	*	*	PROPN
fbem-12158	3	20	east	east	PROPN
fbem-12158	3	21	china	china	PROPN
fbem-12158	3	22	university	university	PROPN
fbem-12158	3	23	of	of	ADP
fbem-12158	3	24	political	political	ADJ
fbem-12158	3	25	science	science	NOUN
fbem-12158	3	26	and	and	CCONJ
fbem-12158	3	27	law	law	NOUN
fbem-12158	3	28	,	,	PUNCT
fbem-12158	3	29	shanghai	shanghai	PROPN
fbem-12158	3	30	,	,	PUNCT
fbem-12158	3	31	china	china	PROPN
fbem-12158	3	32	*	*	PUNCT
fbem-12158	3	33	corresponding	correspond	VERB
fbem-12158	3	34	author	author	NOUN
fbem-12158	3	35	email	email	NOUN
fbem-12158	3	36	:	:	PUNCT
fbem-12158	3	37	g1013238961@163.com	g1013238961@163.com	NOUN
fbem-12158	3	38	abstract	abstract	ADJ
fbem-12158	3	39	:	:	PUNCT
fbem-12158	3	40	all	all	DET
fbem-12158	3	41	the	the	DET
fbem-12158	3	42	income	income	NOUN
fbem-12158	3	43	of	of	ADP
fbem-12158	3	44	commercial	commercial	ADJ
fbem-12158	3	45	banks	bank	NOUN
fbem-12158	3	46	is	be	AUX
fbem-12158	3	47	divided	divide	VERB
fbem-12158	3	48	into	into	ADP
fbem-12158	3	49	traditional	traditional	ADJ
fbem-12158	3	50	interest	interest	NOUN
fbem-12158	3	51	rate	rate	NOUN
fbem-12158	3	52	spread	spread	VERB
fbem-12158	3	53	income	income	NOUN
fbem-12158	3	54	and	and	CCONJ
fbem-12158	3	55	various	various	ADJ
fbem-12158	3	56	non	non	ADJ
fbem-12158	3	57	-	-	ADJ
fbem-12158	3	58	interest	interest	ADJ
fbem-12158	3	59	income	income	NOUN
fbem-12158	3	60	,	,	PUNCT
fbem-12158	3	61	all	all	ADV
fbem-12158	3	62	along	along	ADV
fbem-12158	3	63	,	,	PUNCT
fbem-12158	3	64	the	the	DET
fbem-12158	3	65	bank	bank	NOUN
fbem-12158	3	66	's	's	PART
fbem-12158	3	67	income	income	NOUN
fbem-12158	3	68	mainly	mainly	ADV
fbem-12158	3	69	comes	come	VERB
fbem-12158	3	70	from	from	ADP
fbem-12158	3	71	its	its	PRON
fbem-12158	3	72	deposit	deposit	NOUN
fbem-12158	3	73	and	and	CCONJ
fbem-12158	3	74	loan	loan	NOUN
fbem-12158	3	75	spread	spread	NOUN
fbem-12158	3	76	,	,	PUNCT
fbem-12158	3	77	that	that	ADV
fbem-12158	3	78	is	is	ADV
fbem-12158	3	79	,	,	PUNCT
fbem-12158	3	80	net	net	ADJ
fbem-12158	3	81	interest	interest	NOUN
fbem-12158	3	82	income	income	NOUN
fbem-12158	3	83	,	,	PUNCT
fbem-12158	3	84	and	and	CCONJ
fbem-12158	3	85	other	other	ADJ
fbem-12158	3	86	businesses	business	NOUN
fbem-12158	3	87	develop	develop	VERB
fbem-12158	3	88	slowly	slowly	ADV
fbem-12158	3	89	.	.	PUNCT
fbem-12158	4	1	however	however	ADV
fbem-12158	4	2	,	,	PUNCT
fbem-12158	4	3	with	with	ADP
fbem-12158	4	4	the	the	DET
fbem-12158	4	5	deepening	deepening	NOUN
fbem-12158	4	6	of	of	ADP
fbem-12158	4	7	interest	interest	NOUN
fbem-12158	4	8	rate	rate	NOUN
fbem-12158	4	9	market	market	NOUN
fbem-12158	4	10	-	-	PUNCT
fbem-12158	4	11	oriented	orient	VERB
fbem-12158	4	12	reform	reform	NOUN
fbem-12158	4	13	and	and	CCONJ
fbem-12158	4	14	foreign	foreign	ADJ
fbem-12158	4	15	exchange	exchange	NOUN
fbem-12158	4	16	system	system	NOUN
fbem-12158	4	17	reform	reform	NOUN
fbem-12158	4	18	,	,	PUNCT
fbem-12158	4	19	the	the	DET
fbem-12158	4	20	diversified	diversified	ADJ
fbem-12158	4	21	development	development	NOUN
fbem-12158	4	22	of	of	ADP
fbem-12158	4	23	commercial	commercial	ADJ
fbem-12158	4	24	banks	bank	NOUN
fbem-12158	4	25	has	have	AUX
fbem-12158	4	26	become	become	VERB
fbem-12158	4	27	increasingly	increasingly	ADV
fbem-12158	4	28	prominent	prominent	ADJ
fbem-12158	4	29	,	,	PUNCT
fbem-12158	4	30	becoming	become	VERB
fbem-12158	4	31	one	one	NUM
fbem-12158	4	32	of	of	ADP
fbem-12158	4	33	the	the	DET
fbem-12158	4	34	basic	basic	ADJ
fbem-12158	4	35	hubs	hub	NOUN
fbem-12158	4	36	for	for	ADP
fbem-12158	4	37	bank	bank	NOUN
fbem-12158	4	38	transformation	transformation	NOUN
fbem-12158	4	39	and	and	CCONJ
fbem-12158	4	40	financial	financial	ADJ
fbem-12158	4	41	risk	risk	NOUN
fbem-12158	4	42	prevention	prevention	NOUN
fbem-12158	4	43	and	and	CCONJ
fbem-12158	4	44	control	control	NOUN
fbem-12158	4	45	.	.	PUNCT
fbem-12158	5	1	based	base	VERB
fbem-12158	5	2	on	on	ADP
fbem-12158	5	3	the	the	DET
fbem-12158	5	4	revenue	revenue	NOUN
fbem-12158	5	5	data	datum	NOUN
fbem-12158	5	6	of	of	ADP
fbem-12158	5	7	10	10	NUM
fbem-12158	5	8	listed	list	VERB
fbem-12158	5	9	commercial	commercial	ADJ
fbem-12158	5	10	banks	bank	NOUN
fbem-12158	5	11	in	in	ADP
fbem-12158	5	12	china	china	PROPN
fbem-12158	5	13	from	from	ADP
fbem-12158	5	14	2011	2011	NUM
fbem-12158	5	15	to	to	ADP
fbem-12158	5	16	2021	2021	NUM
fbem-12158	5	17	,	,	PUNCT
fbem-12158	5	18	this	this	DET
fbem-12158	5	19	paper	paper	NOUN
fbem-12158	5	20	analyzes	analyze	VERB
fbem-12158	5	21	the	the	DET
fbem-12158	5	22	impact	impact	NOUN
fbem-12158	5	23	of	of	ADP
fbem-12158	5	24	commercial	commercial	ADJ
fbem-12158	5	25	banks	bank	NOUN
fbem-12158	5	26	'	'	PART
fbem-12158	5	27	profitability	profitability	NOUN
fbem-12158	5	28	on	on	ADP
fbem-12158	5	29	their	their	PRON
fbem-12158	5	30	income	income	NOUN
fbem-12158	5	31	structure	structure	NOUN
fbem-12158	5	32	and	and	CCONJ
fbem-12158	5	33	exchange	exchange	NOUN
fbem-12158	5	34	rate	rate	NOUN
fbem-12158	5	35	changes	change	NOUN
fbem-12158	5	36	,	,	PUNCT
fbem-12158	5	37	so	so	SCONJ
fbem-12158	5	38	as	as	SCONJ
fbem-12158	5	39	to	to	PART
fbem-12158	5	40	explore	explore	VERB
fbem-12158	5	41	the	the	DET
fbem-12158	5	42	business	business	NOUN
fbem-12158	5	43	strategies	strategy	NOUN
fbem-12158	5	44	that	that	PRON
fbem-12158	5	45	can	can	AUX
fbem-12158	5	46	bring	bring	VERB
fbem-12158	5	47	profit	profit	NOUN
fbem-12158	5	48	improvement	improvement	NOUN
fbem-12158	5	49	to	to	ADP
fbem-12158	5	50	banks	bank	NOUN
fbem-12158	5	51	in	in	ADP
fbem-12158	5	52	the	the	DET
fbem-12158	5	53	context	context	NOUN
fbem-12158	5	54	of	of	ADP
fbem-12158	5	55	changing	change	VERB
fbem-12158	5	56	macro	macro	ADJ
fbem-12158	5	57	economy	economy	NOUN
fbem-12158	5	58	.	.	PUNCT
fbem-12158	6	1	keywords	keyword	NOUN
fbem-12158	6	2	:	:	PUNCT
fbem-12158	6	3	commercial	commercial	ADJ
fbem-12158	6	4	banks	bank	NOUN
fbem-12158	6	5	,	,	PUNCT
fbem-12158	6	6	changes	change	NOUN
fbem-12158	6	7	in	in	ADP
fbem-12158	6	8	exchange	exchange	NOUN
fbem-12158	6	9	rates	rate	NOUN
fbem-12158	6	10	,	,	PUNCT
fbem-12158	6	11	income	income	NOUN
fbem-12158	6	12	structure	structure	NOUN
fbem-12158	6	13	,	,	PUNCT
fbem-12158	6	14	profitability	profitability	NOUN
fbem-12158	6	15	.	.	PUNCT
fbem-12158	7	1	1	1	X
fbem-12158	7	2	.	.	X
fbem-12158	7	3	background	background	NOUN
fbem-12158	7	4	and	and	CCONJ
fbem-12158	7	5	significance	significance	NOUN
fbem-12158	7	6	of	of	ADP
fbem-12158	7	7	the	the	DET
fbem-12158	7	8	topic	topic	NOUN
fbem-12158	7	9	1.1	1.1	NUM
fbem-12158	7	10	.	.	PUNCT
fbem-12158	8	1	research	research	NOUN
fbem-12158	8	2	background	background	NOUN
fbem-12158	8	3	since	since	SCONJ
fbem-12158	8	4	the	the	DET
fbem-12158	8	5	reform	reform	NOUN
fbem-12158	8	6	and	and	CCONJ
fbem-12158	8	7	opening	opening	NOUN
fbem-12158	8	8	up	up	ADP
fbem-12158	8	9	,	,	PUNCT
fbem-12158	8	10	china	china	PROPN
fbem-12158	8	11	's	's	PART
fbem-12158	8	12	economy	economy	NOUN
fbem-12158	8	13	has	have	AUX
fbem-12158	8	14	been	be	AUX
fbem-12158	8	15	increasingly	increasingly	ADV
fbem-12158	8	16	vigorous	vigorous	ADJ
fbem-12158	8	17	,	,	PUNCT
fbem-12158	8	18	and	and	CCONJ
fbem-12158	8	19	commercial	commercial	ADJ
fbem-12158	8	20	banks	bank	NOUN
fbem-12158	8	21	have	have	VERB
fbem-12158	8	22	irreplaceable	irreplaceable	ADJ
fbem-12158	8	23	significance	significance	NOUN
fbem-12158	8	24	for	for	ADP
fbem-12158	8	25	the	the	DET
fbem-12158	8	26	development	development	NOUN
fbem-12158	8	27	of	of	ADP
fbem-12158	8	28	the	the	DET
fbem-12158	8	29	national	national	ADJ
fbem-12158	8	30	economy	economy	NOUN
fbem-12158	8	31	,	,	PUNCT
fbem-12158	8	32	and	and	CCONJ
fbem-12158	8	33	have	have	AUX
fbem-12158	8	34	become	become	VERB
fbem-12158	8	35	the	the	DET
fbem-12158	8	36	main	main	ADJ
fbem-12158	8	37	body	body	NOUN
fbem-12158	8	38	of	of	ADP
fbem-12158	8	39	the	the	DET
fbem-12158	8	40	financial	financial	ADJ
fbem-12158	8	41	institution	institution	NOUN
fbem-12158	8	42	system	system	NOUN
fbem-12158	8	43	and	and	CCONJ
fbem-12158	8	44	have	have	VERB
fbem-12158	8	45	a	a	DET
fbem-12158	8	46	leading	lead	VERB
fbem-12158	8	47	position	position	NOUN
fbem-12158	8	48	.	.	PUNCT
fbem-12158	9	1	however	however	ADV
fbem-12158	9	2	,	,	PUNCT
fbem-12158	9	3	since	since	SCONJ
fbem-12158	9	4	2012	2012	NUM
fbem-12158	9	5	,	,	PUNCT
fbem-12158	9	6	china	china	PROPN
fbem-12158	9	7	's	's	PART
fbem-12158	9	8	economy	economy	NOUN
fbem-12158	9	9	has	have	AUX
fbem-12158	9	10	slowed	slow	VERB
fbem-12158	9	11	down	down	ADP
fbem-12158	9	12	its	its	PRON
fbem-12158	9	13	development	development	NOUN
fbem-12158	9	14	and	and	CCONJ
fbem-12158	9	15	its	its	PRON
fbem-12158	9	16	economic	economic	ADJ
fbem-12158	9	17	structure	structure	NOUN
fbem-12158	9	18	has	have	AUX
fbem-12158	9	19	been	be	AUX
fbem-12158	9	20	continuously	continuously	ADV
fbem-12158	9	21	improved	improve	VERB
fbem-12158	9	22	,	,	PUNCT
fbem-12158	9	23	bringing	bring	VERB
fbem-12158	9	24	economic	economic	ADJ
fbem-12158	9	25	development	development	NOUN
fbem-12158	9	26	to	to	ADP
fbem-12158	9	27	a	a	DET
fbem-12158	9	28	new	new	ADJ
fbem-12158	9	29	stage	stage	NOUN
fbem-12158	9	30	.	.	PUNCT
fbem-12158	10	1	the	the	DET
fbem-12158	10	2	financial	financial	ADJ
fbem-12158	10	3	environment	environment	NOUN
fbem-12158	10	4	has	have	AUX
fbem-12158	10	5	also	also	ADV
fbem-12158	10	6	changed	change	VERB
fbem-12158	10	7	,	,	PUNCT
fbem-12158	10	8	the	the	DET
fbem-12158	10	9	market	market	NOUN
fbem-12158	10	10	has	have	AUX
fbem-12158	10	11	driven	drive	VERB
fbem-12158	10	12	the	the	DET
fbem-12158	10	13	decision	decision	NOUN
fbem-12158	10	14	on	on	ADP
fbem-12158	10	15	the	the	DET
fbem-12158	10	16	level	level	NOUN
fbem-12158	10	17	of	of	ADP
fbem-12158	10	18	interest	interest	NOUN
fbem-12158	10	19	rates	rate	NOUN
fbem-12158	10	20	,	,	PUNCT
fbem-12158	10	21	and	and	CCONJ
fbem-12158	10	22	china	china	PROPN
fbem-12158	10	23	's	's	PART
fbem-12158	10	24	financial	financial	ADJ
fbem-12158	10	25	industry	industry	NOUN
fbem-12158	10	26	has	have	AUX
fbem-12158	10	27	developed	develop	VERB
fbem-12158	10	28	healthily	healthily	ADV
fbem-12158	10	29	under	under	ADP
fbem-12158	10	30	the	the	DET
fbem-12158	10	31	influence	influence	NOUN
fbem-12158	10	32	of	of	ADP
fbem-12158	10	33	interest	interest	NOUN
fbem-12158	10	34	rate	rate	NOUN
fbem-12158	10	35	reform	reform	NOUN
fbem-12158	10	36	,	,	PUNCT
fbem-12158	10	37	and	and	CCONJ
fbem-12158	10	38	it	it	PRON
fbem-12158	10	39	did	do	AUX
fbem-12158	10	40	not	not	PART
fbem-12158	10	41	take	take	VERB
fbem-12158	10	42	long	long	ADV
fbem-12158	10	43	to	to	PART
fbem-12158	10	44	have	have	VERB
fbem-12158	10	45	a	a	DET
fbem-12158	10	46	huge	huge	ADJ
fbem-12158	10	47	impact	impact	NOUN
fbem-12158	10	48	on	on	ADP
fbem-12158	10	49	chinese	chinese	ADJ
fbem-12158	10	50	commercial	commercial	ADJ
fbem-12158	10	51	banks	bank	NOUN
fbem-12158	10	52	.	.	PUNCT
fbem-12158	11	1	china	china	PROPN
fbem-12158	11	2	's	's	PART
fbem-12158	11	3	foreign	foreign	ADJ
fbem-12158	11	4	exchange	exchange	NOUN
fbem-12158	11	5	market	market	NOUN
fbem-12158	11	6	has	have	AUX
fbem-12158	11	7	gone	go	VERB
fbem-12158	11	8	through	through	ADP
fbem-12158	11	9	different	different	ADJ
fbem-12158	11	10	stages	stage	NOUN
fbem-12158	11	11	of	of	ADP
fbem-12158	11	12	development	development	NOUN
fbem-12158	11	13	,	,	PUNCT
fbem-12158	11	14	and	and	CCONJ
fbem-12158	11	15	the	the	DET
fbem-12158	11	16	business	business	NOUN
fbem-12158	11	17	activities	activity	NOUN
fbem-12158	11	18	of	of	ADP
fbem-12158	11	19	banks	bank	NOUN
fbem-12158	11	20	have	have	AUX
fbem-12158	11	21	also	also	ADV
fbem-12158	11	22	been	be	AUX
fbem-12158	11	23	affected	affect	VERB
fbem-12158	11	24	to	to	ADP
fbem-12158	11	25	a	a	DET
fbem-12158	11	26	certain	certain	ADJ
fbem-12158	11	27	extent	extent	NOUN
fbem-12158	11	28	.	.	PUNCT
fbem-12158	12	1	the	the	DET
fbem-12158	12	2	reform	reform	NOUN
fbem-12158	12	3	of	of	ADP
fbem-12158	12	4	the	the	DET
fbem-12158	12	5	foreign	foreign	ADJ
fbem-12158	12	6	exchange	exchange	NOUN
fbem-12158	12	7	system	system	NOUN
fbem-12158	12	8	in	in	ADP
fbem-12158	12	9	2005	2005	NUM
fbem-12158	12	10	increased	increase	VERB
fbem-12158	12	11	the	the	DET
fbem-12158	12	12	exchange	exchange	NOUN
fbem-12158	12	13	rate	rate	NOUN
fbem-12158	12	14	risk	risk	NOUN
fbem-12158	12	15	of	of	ADP
fbem-12158	12	16	commercial	commercial	ADJ
fbem-12158	12	17	banks	bank	NOUN
fbem-12158	12	18	.	.	PUNCT
fbem-12158	13	1	as	as	SCONJ
fbem-12158	13	2	the	the	DET
fbem-12158	13	3	magnitude	magnitude	NOUN
fbem-12158	13	4	and	and	CCONJ
fbem-12158	13	5	frequency	frequency	NOUN
fbem-12158	13	6	of	of	ADP
fbem-12158	13	7	rmb	rmb	NOUN
fbem-12158	13	8	appreciation	appreciation	NOUN
fbem-12158	13	9	against	against	ADP
fbem-12158	13	10	the	the	DET
fbem-12158	13	11	us	us	PROPN
fbem-12158	13	12	dollar	dollar	NOUN
fbem-12158	13	13	accelerates	accelerate	VERB
fbem-12158	13	14	,	,	PUNCT
fbem-12158	13	15	the	the	DET
fbem-12158	13	16	impact	impact	NOUN
fbem-12158	13	17	of	of	ADP
fbem-12158	13	18	the	the	DET
fbem-12158	13	19	shrinkage	shrinkage	NOUN
fbem-12158	13	20	of	of	ADP
fbem-12158	13	21	us	us	PROPN
fbem-12158	13	22	dollar	dollar	NOUN
fbem-12158	13	23	assets	asset	NOUN
fbem-12158	13	24	on	on	ADP
fbem-12158	13	25	banks	bank	NOUN
fbem-12158	13	26	increases	increase	NOUN
fbem-12158	13	27	.	.	PUNCT
fbem-12158	14	1	the	the	DET
fbem-12158	14	2	resulting	result	VERB
fbem-12158	14	3	economic	economic	ADJ
fbem-12158	14	4	risk	risk	NOUN
fbem-12158	14	5	refers	refer	VERB
fbem-12158	14	6	to	to	ADP
fbem-12158	14	7	the	the	DET
fbem-12158	14	8	possibility	possibility	NOUN
fbem-12158	14	9	of	of	ADP
fbem-12158	14	10	future	future	ADJ
fbem-12158	14	11	cash	cash	NOUN
fbem-12158	14	12	flow	flow	NOUN
fbem-12158	14	13	changes	change	NOUN
fbem-12158	14	14	of	of	ADP
fbem-12158	14	15	commercial	commercial	ADJ
fbem-12158	14	16	banks	bank	NOUN
fbem-12158	14	17	due	due	ADJ
fbem-12158	14	18	to	to	ADP
fbem-12158	14	19	exchange	exchange	NOUN
fbem-12158	14	20	rate	rate	NOUN
fbem-12158	14	21	changes	change	NOUN
fbem-12158	14	22	.	.	PUNCT
fbem-12158	15	1	after	after	ADP
fbem-12158	15	2	nearly	nearly	ADV
fbem-12158	15	3	two	two	NUM
fbem-12158	15	4	decades	decade	NOUN
fbem-12158	15	5	,	,	PUNCT
fbem-12158	15	6	in	in	ADP
fbem-12158	15	7	the	the	DET
fbem-12158	15	8	smooth	smooth	ADJ
fbem-12158	15	9	progress	progress	NOUN
fbem-12158	15	10	of	of	ADP
fbem-12158	15	11	the	the	DET
fbem-12158	15	12	process	process	NOUN
fbem-12158	15	13	of	of	ADP
fbem-12158	15	14	market	market	NOUN
fbem-12158	15	15	supply	supply	NOUN
fbem-12158	15	16	and	and	CCONJ
fbem-12158	15	17	demand	demand	NOUN
fbem-12158	15	18	determining	determine	VERB
fbem-12158	15	19	interest	interest	NOUN
fbem-12158	15	20	rates	rate	NOUN
fbem-12158	15	21	,	,	PUNCT
fbem-12158	15	22	the	the	DET
fbem-12158	15	23	net	net	ADJ
fbem-12158	15	24	interest	interest	NOUN
fbem-12158	15	25	rate	rate	NOUN
fbem-12158	15	26	gap	gap	NOUN
fbem-12158	15	27	has	have	AUX
fbem-12158	15	28	continued	continue	VERB
fbem-12158	15	29	to	to	PART
fbem-12158	15	30	narrow	narrow	VERB
fbem-12158	15	31	;	;	PUNCT
fbem-12158	15	32	in	in	ADP
fbem-12158	15	33	addition	addition	NOUN
fbem-12158	15	34	,	,	PUNCT
fbem-12158	15	35	with	with	ADP
fbem-12158	15	36	the	the	DET
fbem-12158	15	37	formation	formation	NOUN
fbem-12158	15	38	of	of	ADP
fbem-12158	15	39	china	china	PROPN
fbem-12158	15	40	's	's	PART
fbem-12158	15	41	financial	financial	ADJ
fbem-12158	15	42	intermediation	intermediation	NOUN
fbem-12158	15	43	trend	trend	NOUN
fbem-12158	15	44	,	,	PUNCT
fbem-12158	15	45	china	china	PROPN
fbem-12158	15	46	's	's	PART
fbem-12158	15	47	listed	list	VERB
fbem-12158	15	48	commercial	commercial	ADJ
fbem-12158	15	49	banks	bank	NOUN
fbem-12158	15	50	between	between	ADP
fbem-12158	15	51	deposits	deposit	NOUN
fbem-12158	15	52	and	and	CCONJ
fbem-12158	15	53	loans	loan	NOUN
fbem-12158	15	54	between	between	ADP
fbem-12158	15	55	interest	interest	NOUN
fbem-12158	15	56	margin	margin	NOUN
fbem-12158	15	57	income	income	NOUN
fbem-12158	15	58	is	be	AUX
fbem-12158	15	59	facing	face	VERB
fbem-12158	15	60	a	a	DET
fbem-12158	15	61	huge	huge	ADJ
fbem-12158	15	62	impact	impact	NOUN
fbem-12158	15	63	,	,	PUNCT
fbem-12158	15	64	operating	operate	VERB
fbem-12158	15	65	income	income	NOUN
fbem-12158	15	66	and	and	CCONJ
fbem-12158	15	67	net	net	ADJ
fbem-12158	15	68	interest	interest	NOUN
fbem-12158	15	69	income	income	NOUN
fbem-12158	15	70	growth	growth	NOUN
fbem-12158	15	71	rate	rate	NOUN
fbem-12158	15	72	have	have	AUX
fbem-12158	15	73	declined	decline	VERB
fbem-12158	15	74	,	,	PUNCT
fbem-12158	15	75	so	so	SCONJ
fbem-12158	15	76	that	that	SCONJ
fbem-12158	15	77	commercial	commercial	ADJ
fbem-12158	15	78	banks	bank	NOUN
fbem-12158	15	79	can	can	AUX
fbem-12158	15	80	not	not	PART
fbem-12158	15	81	continue	continue	VERB
fbem-12158	15	82	to	to	PART
fbem-12158	15	83	rely	rely	VERB
fbem-12158	15	84	on	on	ADP
fbem-12158	15	85	deposit	deposit	NOUN
fbem-12158	15	86	and	and	CCONJ
fbem-12158	15	87	loan	loan	NOUN
fbem-12158	15	88	business	business	NOUN
fbem-12158	15	89	and	and	CCONJ
fbem-12158	15	90	passive	passive	ADJ
fbem-12158	15	91	liabilities	liability	NOUN
fbem-12158	15	92	to	to	PART
fbem-12158	15	93	develop	develop	VERB
fbem-12158	15	94	,	,	PUNCT
fbem-12158	15	95	in	in	ADP
fbem-12158	15	96	the	the	DET
fbem-12158	15	97	past	past	ADJ
fbem-12158	15	98	deposit	deposit	NOUN
fbem-12158	15	99	and	and	CCONJ
fbem-12158	15	100	loan	loan	NOUN
fbem-12158	15	101	interest	interest	NOUN
fbem-12158	15	102	rate	rate	NOUN
fbem-12158	15	103	spread	spread	NOUN
fbem-12158	15	104	brought	bring	VERB
fbem-12158	15	105	by	by	ADP
fbem-12158	15	106	the	the	DET
fbem-12158	15	107	excess	excess	ADJ
fbem-12158	15	108	profit	profit	NOUN
fbem-12158	15	109	for	for	ADP
fbem-12158	15	110	china	china	PROPN
fbem-12158	15	111	's	's	PART
fbem-12158	15	112	commercial	commercial	ADJ
fbem-12158	15	113	banks	bank	NOUN
fbem-12158	15	114	accounted	account	VERB
fbem-12158	15	115	for	for	ADP
fbem-12158	15	116	too	too	ADV
fbem-12158	15	117	large	large	ADJ
fbem-12158	15	118	,	,	PUNCT
fbem-12158	15	119	however	however	ADV
fbem-12158	15	120	,	,	PUNCT
fbem-12158	15	121	according	accord	VERB
fbem-12158	15	122	to	to	ADP
fbem-12158	15	123	a	a	DET
fbem-12158	15	124	wide	wide	ADJ
fbem-12158	15	125	range	range	NOUN
fbem-12158	15	126	of	of	ADP
fbem-12158	15	127	growth	growth	NOUN
fbem-12158	15	128	model	model	NOUN
fbem-12158	15	129	,	,	PUNCT
fbem-12158	15	130	the	the	DET
fbem-12158	15	131	pursuit	pursuit	NOUN
fbem-12158	15	132	of	of	ADP
fbem-12158	15	133	number	number	NOUN
fbem-12158	15	134	and	and	CCONJ
fbem-12158	15	135	ignore	ignore	VERB
fbem-12158	15	136	the	the	DET
fbem-12158	15	137	inventory	inventory	NOUN
fbem-12158	15	138	structure	structure	NOUN
fbem-12158	15	139	,	,	PUNCT
fbem-12158	15	140	is	be	AUX
fbem-12158	15	141	unable	unable	ADJ
fbem-12158	15	142	to	to	PART
fbem-12158	15	143	cope	cope	VERB
fbem-12158	15	144	with	with	ADP
fbem-12158	15	145	the	the	DET
fbem-12158	15	146	reduction	reduction	NOUN
fbem-12158	15	147	of	of	ADP
fbem-12158	15	148	interest	interest	NOUN
fbem-12158	15	149	rate	rate	NOUN
fbem-12158	15	150	differentials	differential	NOUN
fbem-12158	15	151	caused	cause	VERB
fbem-12158	15	152	by	by	ADP
fbem-12158	15	153	the	the	DET
fbem-12158	15	154	marketization	marketization	NOUN
fbem-12158	15	155	of	of	ADP
fbem-12158	15	156	deposit	deposit	NOUN
fbem-12158	15	157	and	and	CCONJ
fbem-12158	15	158	loan	loan	NOUN
fbem-12158	15	159	interest	interest	NOUN
fbem-12158	15	160	rates	rate	NOUN
fbem-12158	15	161	,	,	PUNCT
fbem-12158	15	162	resulting	result	VERB
fbem-12158	15	163	in	in	ADP
fbem-12158	15	164	a	a	DET
fbem-12158	15	165	continuous	continuous	ADJ
fbem-12158	15	166	decrease	decrease	NOUN
fbem-12158	15	167	in	in	ADP
fbem-12158	15	168	profit	profit	NOUN
fbem-12158	15	169	margins	margin	NOUN
fbem-12158	15	170	,	,	PUNCT
fbem-12158	15	171	which	which	PRON
fbem-12158	15	172	is	be	AUX
fbem-12158	15	173	not	not	PART
fbem-12158	15	174	conducive	conducive	ADJ
fbem-12158	15	175	to	to	ADP
fbem-12158	15	176	the	the	DET
fbem-12158	15	177	improvement	improvement	NOUN
fbem-12158	15	178	of	of	ADP
fbem-12158	15	179	the	the	DET
fbem-12158	15	180	overall	overall	ADJ
fbem-12158	15	181	competitiveness	competitiveness	NOUN
fbem-12158	15	182	of	of	ADP
fbem-12158	15	183	chinese	chinese	ADJ
fbem-12158	15	184	commercial	commercial	ADJ
fbem-12158	15	185	banks	bank	NOUN
fbem-12158	15	186	and	and	CCONJ
fbem-12158	15	187	restricts	restrict	VERB
fbem-12158	15	188	the	the	DET
fbem-12158	15	189	long	long	ADJ
fbem-12158	15	190	-	-	PUNCT
fbem-12158	15	191	term	term	NOUN
fbem-12158	15	192	development	development	NOUN
fbem-12158	15	193	of	of	ADP
fbem-12158	15	194	commercial	commercial	ADJ
fbem-12158	15	195	banks	bank	NOUN
fbem-12158	15	196	.	.	PUNCT
fbem-12158	16	1	the	the	DET
fbem-12158	16	2	main	main	ADJ
fbem-12158	16	3	content	content	NOUN
fbem-12158	16	4	of	of	ADP
fbem-12158	16	5	managers	manager	NOUN
fbem-12158	16	6	'	'	PART
fbem-12158	16	7	management	management	NOUN
fbem-12158	16	8	activities	activity	NOUN
fbem-12158	16	9	is	be	AUX
fbem-12158	16	10	the	the	DET
fbem-12158	16	11	income	income	NOUN
fbem-12158	16	12	structure	structure	NOUN
fbem-12158	16	13	of	of	ADP
fbem-12158	16	14	commercial	commercial	ADJ
fbem-12158	16	15	banks	bank	NOUN
fbem-12158	16	16	,	,	PUNCT
fbem-12158	16	17	which	which	PRON
fbem-12158	16	18	is	be	AUX
fbem-12158	16	19	the	the	DET
fbem-12158	16	20	most	most	ADV
fbem-12158	16	21	critical	critical	ADJ
fbem-12158	16	22	part	part	NOUN
fbem-12158	16	23	of	of	ADP
fbem-12158	16	24	the	the	DET
fbem-12158	16	25	entire	entire	ADJ
fbem-12158	16	26	development	development	NOUN
fbem-12158	16	27	process	process	NOUN
fbem-12158	16	28	.	.	PUNCT
fbem-12158	17	1	in	in	ADP
fbem-12158	17	2	the	the	DET
fbem-12158	17	3	general	general	ADJ
fbem-12158	17	4	environment	environment	NOUN
fbem-12158	17	5	,	,	PUNCT
fbem-12158	17	6	market	market	NOUN
fbem-12158	17	7	competition	competition	NOUN
fbem-12158	17	8	is	be	AUX
fbem-12158	17	9	becoming	become	VERB
fbem-12158	17	10	more	more	ADV
fbem-12158	17	11	and	and	CCONJ
fbem-12158	17	12	more	more	ADV
fbem-12158	17	13	tense	tense	ADJ
fbem-12158	17	14	for	for	ADP
fbem-12158	17	15	commercial	commercial	ADJ
fbem-12158	17	16	banks	bank	NOUN
fbem-12158	17	17	,	,	PUNCT
fbem-12158	17	18	if	if	SCONJ
fbem-12158	17	19	they	they	PRON
fbem-12158	17	20	want	want	VERB
fbem-12158	17	21	to	to	PART
fbem-12158	17	22	ensure	ensure	VERB
fbem-12158	17	23	that	that	SCONJ
fbem-12158	17	24	their	their	PRON
fbem-12158	17	25	profits	profit	NOUN
fbem-12158	17	26	are	be	AUX
fbem-12158	17	27	at	at	ADP
fbem-12158	17	28	a	a	DET
fbem-12158	17	29	high	high	ADJ
fbem-12158	17	30	level	level	NOUN
fbem-12158	17	31	,	,	PUNCT
fbem-12158	17	32	banks	bank	NOUN
fbem-12158	17	33	must	must	AUX
fbem-12158	17	34	improve	improve	VERB
fbem-12158	17	35	their	their	PRON
fbem-12158	17	36	revenue	revenue	NOUN
fbem-12158	17	37	structure	structure	NOUN
fbem-12158	17	38	,	,	PUNCT
fbem-12158	17	39	achieve	achieve	VERB
fbem-12158	17	40	business	business	NOUN
fbem-12158	17	41	transformation	transformation	NOUN
fbem-12158	17	42	,	,	PUNCT
fbem-12158	17	43	broaden	broaden	VERB
fbem-12158	17	44	business	business	NOUN
fbem-12158	17	45	areas	area	NOUN
fbem-12158	17	46	,	,	PUNCT
fbem-12158	17	47	while	while	SCONJ
fbem-12158	17	48	controlling	control	VERB
fbem-12158	17	49	risks	risk	NOUN
fbem-12158	17	50	,	,	PUNCT
fbem-12158	17	51	should	should	AUX
fbem-12158	17	52	form	form	VERB
fbem-12158	17	53	a	a	DET
fbem-12158	17	54	diversified	diversified	ADJ
fbem-12158	17	55	income	income	NOUN
fbem-12158	17	56	structure	structure	NOUN
fbem-12158	17	57	,	,	PUNCT
fbem-12158	17	58	and	and	CCONJ
fbem-12158	17	59	gradually	gradually	ADV
fbem-12158	17	60	adapt	adapt	VERB
fbem-12158	17	61	to	to	ADP
fbem-12158	17	62	the	the	DET
fbem-12158	17	63	requirements	requirement	NOUN
fbem-12158	17	64	of	of	ADP
fbem-12158	17	65	interest	interest	NOUN
fbem-12158	17	66	rate	rate	NOUN
fbem-12158	17	67	marketization	marketization	NOUN
fbem-12158	17	68	.	.	PUNCT
fbem-12158	18	1	the	the	DET
fbem-12158	18	2	key	key	NOUN
fbem-12158	18	3	to	to	ADP
fbem-12158	18	4	the	the	DET
fbem-12158	18	5	strategic	strategic	ADJ
fbem-12158	18	6	transformation	transformation	NOUN
fbem-12158	18	7	of	of	ADP
fbem-12158	18	8	commercial	commercial	ADJ
fbem-12158	18	9	banks	bank	NOUN
fbem-12158	18	10	by	by	ADP
fbem-12158	18	11	adjusting	adjust	VERB
fbem-12158	18	12	their	their	PRON
fbem-12158	18	13	own	own	ADJ
fbem-12158	18	14	business	business	NOUN
fbem-12158	18	15	methods	method	NOUN
fbem-12158	18	16	lies	lie	VERB
fbem-12158	18	17	in	in	ADP
fbem-12158	18	18	the	the	DET
fbem-12158	18	19	change	change	NOUN
fbem-12158	18	20	in	in	ADP
fbem-12158	18	21	their	their	PRON
fbem-12158	18	22	revenue	revenue	NOUN
fbem-12158	18	23	composition	composition	NOUN
fbem-12158	18	24	.	.	PUNCT
fbem-12158	19	1	commercial	commercial	ADJ
fbem-12158	19	2	banks	bank	NOUN
fbem-12158	19	3	rely	rely	VERB
fbem-12158	19	4	on	on	ADP
fbem-12158	19	5	traditional	traditional	ADJ
fbem-12158	19	6	business	business	NOUN
fbem-12158	19	7	,	,	PUNCT
fbem-12158	19	8	and	and	CCONJ
fbem-12158	19	9	in	in	ADP
fbem-12158	19	10	order	order	NOUN
fbem-12158	19	11	to	to	PART
fbem-12158	19	12	achieve	achieve	VERB
fbem-12158	19	13	diversified	diversified	ADJ
fbem-12158	19	14	sources	source	NOUN
fbem-12158	19	15	of	of	ADP
fbem-12158	19	16	income	income	NOUN
fbem-12158	19	17	,	,	PUNCT
fbem-12158	19	18	their	their	PRON
fbem-12158	19	19	income	income	NOUN
fbem-12158	19	20	structure	structure	NOUN
fbem-12158	19	21	has	have	AUX
fbem-12158	19	22	gradually	gradually	ADV
fbem-12158	19	23	changed	change	VERB
fbem-12158	19	24	to	to	ADP
fbem-12158	19	25	interest	interest	NOUN
fbem-12158	19	26	income	income	NOUN
fbem-12158	19	27	and	and	CCONJ
fbem-12158	19	28	non	non	ADJ
fbem-12158	19	29	-	-	ADJ
fbem-12158	19	30	interest	interest	ADJ
fbem-12158	19	31	income	income	NOUN
fbem-12158	19	32	in	in	ADP
fbem-12158	19	33	parallel	parallel	NOUN
fbem-12158	19	34	,	,	PUNCT
fbem-12158	19	35	rather	rather	ADV
fbem-12158	19	36	than	than	ADP
fbem-12158	19	37	only	only	ADJ
fbem-12158	19	38	interest	interest	NOUN
fbem-12158	19	39	income	income	NOUN
fbem-12158	19	40	.	.	PUNCT
fbem-12158	20	1	this	this	DET
fbem-12158	20	2	paper	paper	NOUN
fbem-12158	20	3	plans	plan	VERB
fbem-12158	20	4	to	to	PART
fbem-12158	20	5	conduct	conduct	VERB
fbem-12158	20	6	research	research	NOUN
fbem-12158	20	7	on	on	ADP
fbem-12158	20	8	this	this	PRON
fbem-12158	20	9	,	,	PUNCT
fbem-12158	20	10	select	select	VERB
fbem-12158	20	11	the	the	DET
fbem-12158	20	12	operating	operate	VERB
fbem-12158	20	13	income	income	NOUN
fbem-12158	20	14	of	of	ADP
fbem-12158	20	15	10	10	NUM
fbem-12158	20	16	commercial	commercial	ADJ
fbem-12158	20	17	banks	bank	NOUN
fbem-12158	20	18	in	in	ADP
fbem-12158	20	19	china	china	PROPN
fbem-12158	20	20	from	from	ADP
fbem-12158	20	21	2011	2011	NUM
fbem-12158	20	22	to	to	ADP
fbem-12158	20	23	2021	2021	NUM
fbem-12158	20	24	,	,	PUNCT
fbem-12158	20	25	and	and	CCONJ
fbem-12158	20	26	analyze	analyze	VERB
fbem-12158	20	27	how	how	SCONJ
fbem-12158	20	28	the	the	DET
fbem-12158	20	29	profits	profit	NOUN
fbem-12158	20	30	of	of	ADP
fbem-12158	20	31	commercial	commercial	ADJ
fbem-12158	20	32	banks	bank	NOUN
fbem-12158	20	33	in	in	ADP
fbem-12158	20	34	china	china	PROPN
fbem-12158	20	35	are	be	AUX
fbem-12158	20	36	affected	affect	VERB
fbem-12158	20	37	by	by	ADP
fbem-12158	20	38	the	the	DET
fbem-12158	20	39	income	income	NOUN
fbem-12158	20	40	structure	structure	NOUN
fbem-12158	20	41	and	and	CCONJ
fbem-12158	20	42	exchange	exchange	NOUN
fbem-12158	20	43	rate	rate	NOUN
fbem-12158	20	44	changes	change	NOUN
fbem-12158	20	45	,	,	PUNCT
fbem-12158	20	46	so	so	SCONJ
fbem-12158	20	47	as	as	SCONJ
fbem-12158	20	48	to	to	PART
fbem-12158	20	49	formulate	formulate	VERB
fbem-12158	20	50	development	development	NOUN
fbem-12158	20	51	plans	plan	NOUN
fbem-12158	20	52	and	and	CCONJ
fbem-12158	20	53	change	change	VERB
fbem-12158	20	54	the	the	DET
fbem-12158	20	55	income	income	NOUN
fbem-12158	20	56	structure	structure	NOUN
fbem-12158	20	57	of	of	ADP
fbem-12158	20	58	commercial	commercial	ADJ
fbem-12158	20	59	banks	bank	NOUN
fbem-12158	20	60	in	in	ADP
fbem-12158	20	61	china	china	PROPN
fbem-12158	20	62	.	.	PUNCT
fbem-12158	21	1	1.2	1.2	NUM
fbem-12158	21	2	.	.	PUNCT
fbem-12158	21	3	research	research	NOUN
fbem-12158	21	4	significance	significance	NOUN
fbem-12158	21	5	since	since	SCONJ
fbem-12158	21	6	in	in	ADP
fbem-12158	21	7	the	the	DET
fbem-12158	21	8	past	past	NOUN
fbem-12158	21	9	,	,	PUNCT
fbem-12158	21	10	the	the	DET
fbem-12158	21	11	central	central	ADJ
fbem-12158	21	12	bank	bank	NOUN
fbem-12158	21	13	was	be	AUX
fbem-12158	21	14	the	the	DET
fbem-12158	21	15	only	only	ADJ
fbem-12158	21	16	actual	actual	ADJ
fbem-12158	21	17	market	market	NOUN
fbem-12158	21	18	maker	maker	NOUN
fbem-12158	21	19	in	in	ADP
fbem-12158	21	20	china	china	PROPN
fbem-12158	21	21	's	's	PART
fbem-12158	21	22	foreign	foreign	ADJ
fbem-12158	21	23	exchange	exchange	NOUN
fbem-12158	21	24	market	market	NOUN
fbem-12158	21	25	,	,	PUNCT
fbem-12158	21	26	the	the	DET
fbem-12158	21	27	central	central	ADJ
fbem-12158	21	28	bank	bank	NOUN
fbem-12158	21	29	could	could	AUX
fbem-12158	21	30	only	only	ADV
fbem-12158	21	31	passively	passively	ADV
fbem-12158	21	32	absorb	absorb	VERB
fbem-12158	21	33	foreign	foreign	ADJ
fbem-12158	21	34	exchange	exchange	NOUN
fbem-12158	21	35	.	.	PUNCT
fbem-12158	22	1	when	when	SCONJ
fbem-12158	22	2	the	the	DET
fbem-12158	22	3	import	import	NOUN
fbem-12158	22	4	and	and	CCONJ
fbem-12158	22	5	export	export	NOUN
fbem-12158	22	6	volume	volume	NOUN
fbem-12158	22	7	of	of	ADP
fbem-12158	22	8	foreign	foreign	ADJ
fbem-12158	22	9	trade	trade	NOUN
fbem-12158	22	10	and	and	CCONJ
fbem-12158	22	11	the	the	DET
fbem-12158	22	12	amount	amount	NOUN
fbem-12158	22	13	of	of	ADP
fbem-12158	22	14	29	29	NUM
fbem-12158	22	15	foreign	foreign	ADJ
fbem-12158	22	16	direct	direct	ADJ
fbem-12158	22	17	investment	investment	NOUN
fbem-12158	22	18	continue	continue	VERB
fbem-12158	22	19	to	to	PART
fbem-12158	22	20	increase	increase	VERB
fbem-12158	22	21	,	,	PUNCT
fbem-12158	22	22	the	the	DET
fbem-12158	22	23	foreign	foreign	ADJ
fbem-12158	22	24	exchange	exchange	NOUN
fbem-12158	22	25	account	account	NOUN
fbem-12158	22	26	increases	increase	NOUN
fbem-12158	22	27	significantly	significantly	ADV
fbem-12158	22	28	,	,	PUNCT
fbem-12158	22	29	crowding	crowd	VERB
fbem-12158	22	30	out	out	ADP
fbem-12158	22	31	the	the	DET
fbem-12158	22	32	basic	basic	ADJ
fbem-12158	22	33	money	money	NOUN
fbem-12158	22	34	supply	supply	NOUN
fbem-12158	22	35	channels	channel	NOUN
fbem-12158	22	36	and	and	CCONJ
fbem-12158	22	37	affecting	affect	VERB
fbem-12158	22	38	the	the	DET
fbem-12158	22	39	effect	effect	NOUN
fbem-12158	22	40	of	of	ADP
fbem-12158	22	41	the	the	DET
fbem-12158	22	42	central	central	ADJ
fbem-12158	22	43	bank	bank	NOUN
fbem-12158	22	44	's	's	PART
fbem-12158	22	45	implementation	implementation	NOUN
fbem-12158	22	46	of	of	ADP
fbem-12158	22	47	monetary	monetary	ADJ
fbem-12158	22	48	policy	policy	NOUN
fbem-12158	22	49	,	,	PUNCT
fbem-12158	22	50	thus	thus	ADV
fbem-12158	22	51	forcing	force	VERB
fbem-12158	22	52	the	the	DET
fbem-12158	22	53	central	central	ADJ
fbem-12158	22	54	bank	bank	NOUN
fbem-12158	22	55	to	to	PART
fbem-12158	22	56	frequently	frequently	ADV
fbem-12158	22	57	carry	carry	VERB
fbem-12158	22	58	out	out	ADP
fbem-12158	22	59	open	open	ADJ
fbem-12158	22	60	market	market	NOUN
fbem-12158	22	61	operations	operation	NOUN
fbem-12158	22	62	,	,	PUNCT
fbem-12158	22	63	resulting	result	VERB
fbem-12158	22	64	in	in	ADP
fbem-12158	22	65	increased	increase	VERB
fbem-12158	22	66	pressure	pressure	NOUN
fbem-12158	22	67	on	on	ADP
fbem-12158	22	68	the	the	DET
fbem-12158	22	69	appreciation	appreciation	NOUN
fbem-12158	22	70	of	of	ADP
fbem-12158	22	71	the	the	DET
fbem-12158	22	72	rmb	rmb	NOUN
fbem-12158	22	73	.	.	PUNCT
fbem-12158	23	1	now	now	ADV
fbem-12158	23	2	,	,	PUNCT
fbem-12158	23	3	with	with	ADP
fbem-12158	23	4	the	the	DET
fbem-12158	23	5	introduction	introduction	NOUN
fbem-12158	23	6	of	of	ADP
fbem-12158	23	7	the	the	DET
fbem-12158	23	8	foreign	foreign	ADJ
fbem-12158	23	9	exchange	exchange	NOUN
fbem-12158	23	10	market	market	NOUN
fbem-12158	23	11	maker	maker	NOUN
fbem-12158	23	12	system	system	NOUN
fbem-12158	23	13	,	,	PUNCT
fbem-12158	23	14	commercial	commercial	ADJ
fbem-12158	23	15	banks	bank	NOUN
fbem-12158	23	16	will	will	AUX
fbem-12158	23	17	to	to	ADP
fbem-12158	23	18	a	a	DET
fbem-12158	23	19	large	large	ADJ
fbem-12158	23	20	extent	extent	NOUN
fbem-12158	23	21	disperse	disperse	NOUN
fbem-12158	23	22	or	or	CCONJ
fbem-12158	23	23	bear	bear	VERB
fbem-12158	23	24	the	the	DET
fbem-12158	23	25	pressure	pressure	NOUN
fbem-12158	23	26	and	and	CCONJ
fbem-12158	23	27	risks	risk	NOUN
fbem-12158	23	28	borne	bear	VERB
fbem-12158	23	29	by	by	ADP
fbem-12158	23	30	the	the	DET
fbem-12158	23	31	original	original	ADJ
fbem-12158	23	32	central	central	ADJ
fbem-12158	23	33	bank	bank	NOUN
fbem-12158	23	34	due	due	ADP
fbem-12158	23	35	to	to	ADP
fbem-12158	23	36	holding	hold	VERB
fbem-12158	23	37	a	a	DET
fbem-12158	23	38	large	large	ADJ
fbem-12158	23	39	number	number	NOUN
fbem-12158	23	40	of	of	ADP
fbem-12158	23	41	foreign	foreign	ADJ
fbem-12158	23	42	exchange	exchange	NOUN
fbem-12158	23	43	reserves	reserve	NOUN
fbem-12158	23	44	,	,	PUNCT
fbem-12158	23	45	thereby	thereby	ADV
fbem-12158	23	46	increasing	increase	VERB
fbem-12158	23	47	the	the	DET
fbem-12158	23	48	foreign	foreign	ADJ
fbem-12158	23	49	exchange	exchange	NOUN
fbem-12158	23	50	management	management	NOUN
fbem-12158	23	51	risks	risk	NOUN
fbem-12158	23	52	of	of	ADP
fbem-12158	23	53	commercial	commercial	ADJ
fbem-12158	23	54	banks	bank	NOUN
fbem-12158	23	55	.	.	PUNCT
fbem-12158	24	1	studying	study	VERB
fbem-12158	24	2	the	the	DET
fbem-12158	24	3	impact	impact	NOUN
fbem-12158	24	4	of	of	ADP
fbem-12158	24	5	exchange	exchange	NOUN
fbem-12158	24	6	rate	rate	NOUN
fbem-12158	24	7	changes	change	NOUN
fbem-12158	24	8	on	on	ADP
fbem-12158	24	9	commercial	commercial	ADJ
fbem-12158	24	10	banks	bank	NOUN
fbem-12158	24	11	is	be	AUX
fbem-12158	24	12	conducive	conducive	ADJ
fbem-12158	24	13	to	to	ADP
fbem-12158	24	14	helping	help	VERB
fbem-12158	24	15	banks	bank	NOUN
fbem-12158	24	16	avoid	avoid	VERB
fbem-12158	24	17	risks	risk	NOUN
fbem-12158	24	18	and	and	CCONJ
fbem-12158	24	19	has	have	VERB
fbem-12158	24	20	important	important	ADJ
fbem-12158	24	21	reference	reference	NOUN
fbem-12158	24	22	value	value	NOUN
fbem-12158	24	23	.	.	PUNCT
fbem-12158	25	1	under	under	ADP
fbem-12158	25	2	the	the	DET
fbem-12158	25	3	background	background	NOUN
fbem-12158	25	4	of	of	ADP
fbem-12158	25	5	interest	interest	NOUN
fbem-12158	25	6	rate	rate	NOUN
fbem-12158	25	7	liberalization	liberalization	NOUN
fbem-12158	25	8	,	,	PUNCT
fbem-12158	25	9	the	the	DET
fbem-12158	25	10	domestic	domestic	ADJ
fbem-12158	25	11	and	and	CCONJ
fbem-12158	25	12	foreign	foreign	ADJ
fbem-12158	25	13	financial	financial	ADJ
fbem-12158	25	14	environment	environment	NOUN
fbem-12158	25	15	and	and	CCONJ
fbem-12158	25	16	laws	law	NOUN
fbem-12158	25	17	and	and	CCONJ
fbem-12158	25	18	regulations	regulation	NOUN
fbem-12158	25	19	have	have	AUX
fbem-12158	25	20	undergone	undergo	VERB
fbem-12158	25	21	tremendous	tremendous	ADJ
fbem-12158	25	22	changes	change	NOUN
fbem-12158	25	23	.	.	PUNCT
fbem-12158	26	1	as	as	ADP
fbem-12158	26	2	an	an	DET
fbem-12158	26	3	important	important	ADJ
fbem-12158	26	4	link	link	NOUN
fbem-12158	26	5	in	in	ADP
fbem-12158	26	6	china	china	PROPN
fbem-12158	26	7	's	's	PART
fbem-12158	26	8	economic	economic	ADJ
fbem-12158	26	9	regulation	regulation	NOUN
fbem-12158	26	10	and	and	CCONJ
fbem-12158	26	11	control	control	NOUN
fbem-12158	26	12	and	and	CCONJ
fbem-12158	26	13	the	the	DET
fbem-12158	26	14	most	most	ADV
fbem-12158	26	15	basic	basic	ADJ
fbem-12158	26	16	channel	channel	NOUN
fbem-12158	26	17	for	for	ADP
fbem-12158	26	18	financing	finance	VERB
fbem-12158	26	19	the	the	DET
fbem-12158	26	20	real	real	ADJ
fbem-12158	26	21	economy	economy	NOUN
fbem-12158	26	22	,	,	PUNCT
fbem-12158	26	23	banks	bank	NOUN
fbem-12158	26	24	'	'	PART
fbem-12158	26	25	income	income	NOUN
fbem-12158	26	26	structure	structure	NOUN
fbem-12158	26	27	and	and	CCONJ
fbem-12158	26	28	survival	survival	NOUN
fbem-12158	26	29	have	have	AUX
fbem-12158	26	30	been	be	AUX
fbem-12158	26	31	profoundly	profoundly	ADV
fbem-12158	26	32	affected	affect	VERB
fbem-12158	26	33	.	.	PUNCT
fbem-12158	27	1	one	one	NUM
fbem-12158	27	2	of	of	ADP
fbem-12158	27	3	the	the	DET
fbem-12158	27	4	obvious	obvious	ADJ
fbem-12158	27	5	changes	change	NOUN
fbem-12158	27	6	is	be	AUX
fbem-12158	27	7	the	the	DET
fbem-12158	27	8	diversification	diversification	NOUN
fbem-12158	27	9	of	of	ADP
fbem-12158	27	10	the	the	DET
fbem-12158	27	11	income	income	NOUN
fbem-12158	27	12	structure	structure	NOUN
fbem-12158	27	13	of	of	ADP
fbem-12158	27	14	the	the	DET
fbem-12158	27	15	banking	banking	NOUN
fbem-12158	27	16	industry	industry	NOUN
fbem-12158	27	17	,	,	PUNCT
fbem-12158	27	18	which	which	PRON
fbem-12158	27	19	is	be	AUX
fbem-12158	27	20	mainly	mainly	ADV
fbem-12158	27	21	manifested	manifest	VERB
fbem-12158	27	22	in	in	ADP
fbem-12158	27	23	the	the	DET
fbem-12158	27	24	development	development	NOUN
fbem-12158	27	25	of	of	ADP
fbem-12158	27	26	non	non	ADJ
fbem-12158	27	27	-	-	ADJ
fbem-12158	27	28	interest	interest	ADJ
fbem-12158	27	29	business	business	NOUN
fbem-12158	27	30	.	.	PUNCT
fbem-12158	28	1	this	this	DET
fbem-12158	28	2	trend	trend	NOUN
fbem-12158	28	3	has	have	VERB
fbem-12158	28	4	an	an	DET
fbem-12158	28	5	impact	impact	NOUN
fbem-12158	28	6	on	on	ADP
fbem-12158	28	7	bank	bank	NOUN
fbem-12158	28	8	risk	risk	NOUN
fbem-12158	28	9	and	and	CCONJ
fbem-12158	28	10	,	,	PUNCT
fbem-12158	28	11	in	in	ADP
fbem-12158	28	12	turn	turn	NOUN
fbem-12158	28	13	,	,	PUNCT
fbem-12158	28	14	on	on	ADP
fbem-12158	28	15	the	the	DET
fbem-12158	28	16	stability	stability	NOUN
fbem-12158	28	17	of	of	ADP
fbem-12158	28	18	the	the	DET
fbem-12158	28	19	financial	financial	ADJ
fbem-12158	28	20	sector	sector	NOUN
fbem-12158	28	21	.	.	PUNCT
fbem-12158	29	1	exploring	explore	VERB
fbem-12158	29	2	the	the	DET
fbem-12158	29	3	diversification	diversification	NOUN
fbem-12158	29	4	of	of	ADP
fbem-12158	29	5	banks	bank	NOUN
fbem-12158	29	6	'	'	PART
fbem-12158	29	7	income	income	NOUN
fbem-12158	29	8	structure	structure	NOUN
fbem-12158	29	9	is	be	AUX
fbem-12158	29	10	particularly	particularly	ADV
fbem-12158	29	11	important	important	ADJ
fbem-12158	29	12	to	to	PART
fbem-12158	29	13	prevent	prevent	VERB
fbem-12158	29	14	systemic	systemic	ADJ
fbem-12158	29	15	financial	financial	ADJ
fbem-12158	29	16	risks	risk	NOUN
fbem-12158	29	17	and	and	CCONJ
fbem-12158	29	18	help	help	VERB
fbem-12158	29	19	the	the	DET
fbem-12158	29	20	state	state	NOUN
fbem-12158	29	21	effectively	effectively	ADV
fbem-12158	29	22	guide	guide	VERB
fbem-12158	29	23	the	the	DET
fbem-12158	29	24	development	development	NOUN
fbem-12158	29	25	of	of	ADP
fbem-12158	29	26	banks	bank	NOUN
fbem-12158	29	27	.	.	PUNCT
fbem-12158	30	1	2	2	X
fbem-12158	30	2	.	.	X
fbem-12158	30	3	relevant	relevant	ADJ
fbem-12158	30	4	literature	literature	NOUN
fbem-12158	30	5	and	and	CCONJ
fbem-12158	30	6	theoretical	theoretical	ADJ
fbem-12158	30	7	basis	basis	NOUN
fbem-12158	30	8	2.1	2.1	NUM
fbem-12158	30	9	.	.	PUNCT
fbem-12158	31	1	references	reference	NOUN
fbem-12158	31	2	exchange	exchange	NOUN
fbem-12158	31	3	rates	rate	NOUN
fbem-12158	31	4	and	and	CCONJ
fbem-12158	31	5	interest	interest	NOUN
fbem-12158	31	6	rates	rate	NOUN
fbem-12158	31	7	indirectly	indirectly	ADV
fbem-12158	31	8	affect	affect	VERB
fbem-12158	31	9	banking	bank	VERB
fbem-12158	31	10	systemic	systemic	ADJ
fbem-12158	31	11	risk	risk	NOUN
fbem-12158	31	12	by	by	ADP
fbem-12158	31	13	influencing	influence	VERB
fbem-12158	31	14	cross	cross	ADJ
fbem-12158	31	15	-	-	ADJ
fbem-12158	31	16	border	border	ADJ
fbem-12158	31	17	capital	capital	NOUN
fbem-12158	31	18	flows	flow	NOUN
fbem-12158	31	19	.	.	PUNCT
fbem-12158	32	1	according	accord	VERB
fbem-12158	32	2	to	to	ADP
fbem-12158	32	3	the	the	DET
fbem-12158	32	4	theory	theory	NOUN
fbem-12158	32	5	of	of	ADP
fbem-12158	32	6	comparative	comparative	ADJ
fbem-12158	32	7	advantage	advantage	NOUN
fbem-12158	32	8	,	,	PUNCT
fbem-12158	32	9	as	as	ADP
fbem-12158	32	10	the	the	DET
fbem-12158	32	11	cost	cost	NOUN
fbem-12158	32	12	of	of	ADP
fbem-12158	32	13	capital	capital	NOUN
fbem-12158	32	14	,	,	PUNCT
fbem-12158	32	15	interest	interest	NOUN
fbem-12158	32	16	rate	rate	NOUN
fbem-12158	32	17	differentials	differential	NOUN
fbem-12158	32	18	promote	promote	VERB
fbem-12158	32	19	capital	capital	NOUN
fbem-12158	32	20	flow	flow	NOUN
fbem-12158	32	21	from	from	ADP
fbem-12158	32	22	low	low	ADJ
fbem-12158	32	23	-	-	PUNCT
fbem-12158	32	24	interest	interest	NOUN
fbem-12158	32	25	countries	country	NOUN
fbem-12158	32	26	to	to	ADP
fbem-12158	32	27	high	high	ADJ
fbem-12158	32	28	-	-	PUNCT
fbem-12158	32	29	interest	interest	NOUN
fbem-12158	32	30	countries	country	NOUN
fbem-12158	32	31	(	(	PUNCT
fbem-12158	32	32	fisher	fisher	NOUN
fbem-12158	32	33	,	,	PUNCT
fbem-12158	32	34	1907	1907	NUM
fbem-12158	32	35	)	)	PUNCT
fbem-12158	32	36	;	;	PUNCT
fbem-12158	32	37	international	international	ADJ
fbem-12158	32	38	capital	capital	NOUN
fbem-12158	32	39	flow	flow	NOUN
fbem-12158	32	40	models	model	NOUN
fbem-12158	32	41	also	also	ADV
fbem-12158	32	42	suggest	suggest	VERB
fbem-12158	32	43	that	that	SCONJ
fbem-12158	32	44	capital	capital	NOUN
fbem-12158	32	45	flows	flow	VERB
fbem-12158	32	46	to	to	ADP
fbem-12158	32	47	high	high	ADJ
fbem-12158	32	48	-	-	PUNCT
fbem-12158	32	49	yield	yield	NOUN
fbem-12158	32	50	countries	country	NOUN
fbem-12158	32	51	(	(	PUNCT
fbem-12158	32	52	macdougall	macdougall	PROPN
fbem-12158	32	53	,	,	PUNCT
fbem-12158	32	54	1960	1960	NUM
fbem-12158	32	55	)	)	PUNCT
fbem-12158	32	56	.	.	PUNCT
fbem-12158	33	1	exchange	exchange	NOUN
fbem-12158	33	2	rate	rate	NOUN
fbem-12158	33	3	fluctuations	fluctuation	NOUN
fbem-12158	33	4	give	give	VERB
fbem-12158	33	5	economic	economic	ADJ
fbem-12158	33	6	entities	entity	NOUN
fbem-12158	33	7	the	the	DET
fbem-12158	33	8	opportunity	opportunity	NOUN
fbem-12158	33	9	and	and	CCONJ
fbem-12158	33	10	incentive	incentive	NOUN
fbem-12158	33	11	to	to	PART
fbem-12158	33	12	adjust	adjust	VERB
fbem-12158	33	13	their	their	PRON
fbem-12158	33	14	foreign	foreign	ADJ
fbem-12158	33	15	exchange	exchange	NOUN
fbem-12158	33	16	asset	asset	NOUN
fbem-12158	33	17	and	and	CCONJ
fbem-12158	33	18	liability	liability	NOUN
fbem-12158	33	19	structure	structure	NOUN
fbem-12158	33	20	and	and	CCONJ
fbem-12158	33	21	facilitate	facilitate	VERB
fbem-12158	33	22	cross	cross	ADJ
fbem-12158	33	23	-	-	ADJ
fbem-12158	33	24	border	border	ADJ
fbem-12158	33	25	capital	capital	NOUN
fbem-12158	33	26	flows	flow	NOUN
fbem-12158	33	27	.	.	PUNCT
fbem-12158	34	1	gaiesetal	gaiesetal	PROPN
fbem-12158	34	2	uses	use	VERB
fbem-12158	34	3	the	the	DET
fbem-12158	34	4	logit	logit	PROPN
fbem-12158	34	5	panel	panel	NOUN
fbem-12158	34	6	model	model	NOUN
fbem-12158	34	7	to	to	PART
fbem-12158	34	8	analyze	analyze	VERB
fbem-12158	34	9	the	the	DET
fbem-12158	34	10	banking	banking	NOUN
fbem-12158	34	11	crisis	crisis	NOUN
fbem-12158	34	12	in	in	ADP
fbem-12158	34	13	developing	develop	VERB
fbem-12158	34	14	countries	country	NOUN
fbem-12158	34	15	from	from	ADP
fbem-12158	34	16	the	the	DET
fbem-12158	34	17	aspects	aspect	NOUN
fbem-12158	34	18	of	of	ADP
fbem-12158	34	19	the	the	DET
fbem-12158	34	20	nature	nature	NOUN
fbem-12158	34	21	of	of	ADP
fbem-12158	34	22	external	external	ADJ
fbem-12158	34	23	liabilities	liability	NOUN
fbem-12158	34	24	and	and	CCONJ
fbem-12158	34	25	exchange	exchange	NOUN
fbem-12158	34	26	rate	rate	NOUN
fbem-12158	34	27	stability	stability	NOUN
fbem-12158	34	28	,	,	PUNCT
fbem-12158	34	29	and	and	CCONJ
fbem-12158	34	30	finds	find	VERB
fbem-12158	34	31	that	that	SCONJ
fbem-12158	34	32	external	external	ADJ
fbem-12158	34	33	liabilities	liability	NOUN
fbem-12158	34	34	increase	increase	VERB
fbem-12158	34	35	the	the	DET
fbem-12158	34	36	likelihood	likelihood	NOUN
fbem-12158	34	37	of	of	ADP
fbem-12158	34	38	crises	crisis	NOUN
fbem-12158	34	39	,	,	PUNCT
fbem-12158	34	40	and	and	CCONJ
fbem-12158	34	41	reducing	reduce	VERB
fbem-12158	34	42	external	external	ADJ
fbem-12158	34	43	liabilities	liability	NOUN
fbem-12158	34	44	reduces	reduce	VERB
fbem-12158	34	45	the	the	DET
fbem-12158	34	46	occurrence	occurrence	NOUN
fbem-12158	34	47	of	of	ADP
fbem-12158	34	48	banking	banking	NOUN
fbem-12158	34	49	crises	crisis	NOUN
fbem-12158	34	50	.	.	PUNCT
fbem-12158	35	1	as	as	SCONJ
fbem-12158	35	2	exchange	exchange	NOUN
fbem-12158	35	3	rate	rate	NOUN
fbem-12158	35	4	fluctuations	fluctuation	NOUN
fbem-12158	35	5	flatten	flatten	VERB
fbem-12158	35	6	,	,	PUNCT
fbem-12158	35	7	crises	crisis	NOUN
fbem-12158	35	8	are	be	AUX
fbem-12158	35	9	much	much	ADV
fbem-12158	35	10	less	less	ADV
fbem-12158	35	11	likely	likely	ADJ
fbem-12158	35	12	to	to	PART
fbem-12158	35	13	occur	occur	VERB
fbem-12158	35	14	given	give	VERB
fbem-12158	35	15	real	real	ADJ
fbem-12158	35	16	gdp	gdp	NOUN
fbem-12158	35	17	growth	growth	NOUN
fbem-12158	35	18	and	and	CCONJ
fbem-12158	35	19	effective	effective	ADJ
fbem-12158	35	20	human	human	ADJ
fbem-12158	35	21	capital	capital	NOUN
fbem-12158	35	22	and	and	CCONJ
fbem-12158	35	23	political	political	ADJ
fbem-12158	35	24	institutions	institution	NOUN
fbem-12158	35	25	.	.	PUNCT
fbem-12158	36	1	while	while	SCONJ
fbem-12158	36	2	the	the	DET
fbem-12158	36	3	impact	impact	NOUN
fbem-12158	36	4	of	of	ADP
fbem-12158	36	5	the	the	DET
fbem-12158	36	6	financial	financial	ADJ
fbem-12158	36	7	crisis	crisis	NOUN
fbem-12158	36	8	on	on	ADP
fbem-12158	36	9	the	the	DET
fbem-12158	36	10	real	real	ADJ
fbem-12158	36	11	economy	economy	NOUN
fbem-12158	36	12	may	may	AUX
fbem-12158	36	13	amplify	amplify	VERB
fbem-12158	36	14	and	and	CCONJ
fbem-12158	36	15	spread	spread	VERB
fbem-12158	36	16	the	the	DET
fbem-12158	36	17	financial	financial	ADJ
fbem-12158	36	18	crisis	crisis	NOUN
fbem-12158	36	19	through	through	ADP
fbem-12158	36	20	bilateral	bilateral	ADJ
fbem-12158	36	21	trade	trade	NOUN
fbem-12158	36	22	flows	flow	NOUN
fbem-12158	36	23	,	,	PUNCT
fbem-12158	36	24	the	the	DET
fbem-12158	36	25	exchange	exchange	NOUN
fbem-12158	36	26	rate	rate	NOUN
fbem-12158	36	27	regime	regime	NOUN
fbem-12158	36	28	can	can	AUX
fbem-12158	36	29	also	also	ADV
fbem-12158	36	30	be	be	AUX
fbem-12158	36	31	a	a	DET
fbem-12158	36	32	key	key	ADJ
fbem-12158	36	33	factor	factor	NOUN
fbem-12158	36	34	in	in	ADP
fbem-12158	36	35	stimulating	stimulate	VERB
fbem-12158	36	36	trade	trade	NOUN
fbem-12158	36	37	and	and	CCONJ
fbem-12158	36	38	mitigating	mitigate	VERB
fbem-12158	36	39	the	the	DET
fbem-12158	36	40	scope	scope	NOUN
fbem-12158	36	41	of	of	ADP
fbem-12158	36	42	the	the	DET
fbem-12158	36	43	crisis	crisis	NOUN
fbem-12158	36	44	.	.	PUNCT
fbem-12158	37	1	santana	santana	PROPN
fbem-12158	37	2	-	-	PUNCT
fbem-12158	37	3	gallegoetal	gallegoetal	PROPN
fbem-12158	37	4	similarly	similarly	ADV
fbem-12158	37	5	believes	believe	VERB
fbem-12158	37	6	that	that	SCONJ
fbem-12158	37	7	the	the	DET
fbem-12158	37	8	choice	choice	NOUN
fbem-12158	37	9	of	of	ADP
fbem-12158	37	10	exchange	exchange	NOUN
fbem-12158	37	11	rate	rate	NOUN
fbem-12158	37	12	regime	regime	NOUN
fbem-12158	37	13	could	could	AUX
fbem-12158	37	14	be	be	AUX
fbem-12158	37	15	a	a	DET
fbem-12158	37	16	factor	factor	NOUN
fbem-12158	37	17	in	in	ADP
fbem-12158	37	18	promoting	promote	VERB
fbem-12158	37	19	trade	trade	NOUN
fbem-12158	37	20	,	,	PUNCT
fbem-12158	37	21	thereby	thereby	ADV
fbem-12158	37	22	reducing	reduce	VERB
fbem-12158	37	23	the	the	DET
fbem-12158	37	24	spread	spread	NOUN
fbem-12158	37	25	of	of	ADP
fbem-12158	37	26	financial	financial	ADJ
fbem-12158	37	27	crises	crisis	NOUN
fbem-12158	37	28	by	by	ADP
fbem-12158	37	29	stimulating	stimulate	VERB
fbem-12158	37	30	international	international	ADJ
fbem-12158	37	31	trade	trade	NOUN
fbem-12158	37	32	.	.	PUNCT
fbem-12158	38	1	changes	change	NOUN
fbem-12158	38	2	in	in	ADP
fbem-12158	38	3	the	the	DET
fbem-12158	38	4	exchange	exchange	NOUN
fbem-12158	38	5	rate	rate	NOUN
fbem-12158	38	6	regime	regime	NOUN
fbem-12158	38	7	can	can	AUX
fbem-12158	38	8	significantly	significantly	ADV
fbem-12158	38	9	affect	affect	VERB
fbem-12158	38	10	the	the	DET
fbem-12158	38	11	probability	probability	NOUN
fbem-12158	38	12	of	of	ADP
fbem-12158	38	13	a	a	DET
fbem-12158	38	14	currency	currency	NOUN
fbem-12158	38	15	crisis	crisis	NOUN
fbem-12158	38	16	.	.	PUNCT
fbem-12158	39	1	the	the	PRON
fbem-12158	39	2	greater	great	ADJ
fbem-12158	39	3	the	the	DET
fbem-12158	39	4	flexibility	flexibility	NOUN
fbem-12158	39	5	of	of	ADP
fbem-12158	39	6	the	the	DET
fbem-12158	39	7	exchange	exchange	NOUN
fbem-12158	39	8	rate	rate	NOUN
fbem-12158	39	9	system	system	NOUN
fbem-12158	39	10	announced	announce	VERB
fbem-12158	39	11	by	by	ADP
fbem-12158	39	12	the	the	DET
fbem-12158	39	13	government	government	NOUN
fbem-12158	39	14	and	and	CCONJ
fbem-12158	39	15	the	the	PRON
fbem-12158	39	16	greater	great	ADJ
fbem-12158	39	17	the	the	DET
fbem-12158	39	18	tolerance	tolerance	NOUN
fbem-12158	39	19	of	of	ADP
fbem-12158	39	20	the	the	DET
fbem-12158	39	21	country	country	NOUN
fbem-12158	39	22	to	to	PART
fbem-12158	39	23	exchange	exchange	VERB
fbem-12158	39	24	rate	rate	NOUN
fbem-12158	39	25	fluctuations	fluctuation	NOUN
fbem-12158	39	26	,	,	PUNCT
fbem-12158	39	27	the	the	PRON
fbem-12158	39	28	greater	great	ADJ
fbem-12158	39	29	the	the	DET
fbem-12158	39	30	possibility	possibility	NOUN
fbem-12158	39	31	of	of	ADP
fbem-12158	39	32	a	a	DET
fbem-12158	39	33	currency	currency	NOUN
fbem-12158	39	34	crisis	crisis	NOUN
fbem-12158	39	35	.	.	PUNCT
fbem-12158	40	1	zhang	zhang	PROPN
fbem-12158	40	2	zhengping	zhengping	PROPN
fbem-12158	40	3	(	(	PUNCT
fbem-12158	40	4	2009	2009	NUM
fbem-12158	40	5	)	)	PUNCT
fbem-12158	40	6	believes	believe	VERB
fbem-12158	40	7	that	that	SCONJ
fbem-12158	40	8	the	the	DET
fbem-12158	40	9	impact	impact	NOUN
fbem-12158	40	10	of	of	ADP
fbem-12158	40	11	exchange	exchange	NOUN
fbem-12158	40	12	rate	rate	NOUN
fbem-12158	40	13	changes	change	NOUN
fbem-12158	40	14	on	on	ADP
fbem-12158	40	15	commercial	commercial	ADJ
fbem-12158	40	16	banks	bank	NOUN
fbem-12158	40	17	is	be	AUX
fbem-12158	40	18	negative	negative	ADJ
fbem-12158	40	19	,	,	PUNCT
fbem-12158	40	20	and	and	CCONJ
fbem-12158	40	21	there	there	PRON
fbem-12158	40	22	is	be	VERB
fbem-12158	40	23	no	no	DET
fbem-12158	40	24	clear	clear	ADJ
fbem-12158	40	25	cointegration	cointegration	NOUN
fbem-12158	40	26	relationship	relationship	NOUN
fbem-12158	40	27	and	and	CCONJ
fbem-12158	40	28	causal	causal	ADJ
fbem-12158	40	29	relationship	relationship	NOUN
fbem-12158	40	30	between	between	ADP
fbem-12158	40	31	exchange	exchange	NOUN
fbem-12158	40	32	rate	rate	NOUN
fbem-12158	40	33	changes	change	NOUN
fbem-12158	40	34	and	and	CCONJ
fbem-12158	40	35	jointstock	jointstock	NOUN
fbem-12158	40	36	banks	bank	NOUN
fbem-12158	40	37	.	.	PUNCT
fbem-12158	41	1	cheng	cheng	PROPN
fbem-12158	41	2	chuannan	chuannan	PROPN
fbem-12158	41	3	believes	believe	VERB
fbem-12158	41	4	that	that	SCONJ
fbem-12158	41	5	the	the	DET
fbem-12158	41	6	impact	impact	NOUN
fbem-12158	41	7	of	of	ADP
fbem-12158	41	8	exchange	exchange	NOUN
fbem-12158	41	9	rate	rate	NOUN
fbem-12158	41	10	changes	change	NOUN
fbem-12158	41	11	on	on	ADP
fbem-12158	41	12	the	the	DET
fbem-12158	41	13	stock	stock	NOUN
fbem-12158	41	14	price	price	NOUN
fbem-12158	41	15	of	of	ADP
fbem-12158	41	16	the	the	DET
fbem-12158	41	17	commercial	commercial	ADJ
fbem-12158	41	18	banking	banking	NOUN
fbem-12158	41	19	industry	industry	NOUN
fbem-12158	41	20	in	in	ADP
fbem-12158	41	21	the	the	DET
fbem-12158	41	22	long	long	ADJ
fbem-12158	41	23	run	run	NOUN
fbem-12158	41	24	is	be	AUX
fbem-12158	41	25	negative	negative	ADJ
fbem-12158	41	26	,	,	PUNCT
fbem-12158	41	27	which	which	PRON
fbem-12158	41	28	shows	show	VERB
fbem-12158	41	29	that	that	SCONJ
fbem-12158	41	30	the	the	DET
fbem-12158	41	31	appreciation	appreciation	NOUN
fbem-12158	41	32	of	of	ADP
fbem-12158	41	33	the	the	DET
fbem-12158	41	34	rmb	rmb	NOUN
fbem-12158	41	35	will	will	AUX
fbem-12158	41	36	lead	lead	VERB
fbem-12158	41	37	to	to	ADP
fbem-12158	41	38	the	the	DET
fbem-12158	41	39	appreciation	appreciation	NOUN
fbem-12158	41	40	of	of	ADP
fbem-12158	41	41	the	the	DET
fbem-12158	41	42	stock	stock	NOUN
fbem-12158	41	43	of	of	ADP
fbem-12158	41	44	commercial	commercial	ADJ
fbem-12158	41	45	banks	bank	NOUN
fbem-12158	41	46	in	in	ADP
fbem-12158	41	47	the	the	DET
fbem-12158	41	48	long	long	ADJ
fbem-12158	41	49	run	run	NOUN
fbem-12158	41	50	.	.	PUNCT
fbem-12158	42	1	ye	ye	PRON
fbem-12158	42	2	hua	hua	PROPN
fbem-12158	42	3	and	and	CCONJ
fbem-12158	42	4	wang	wang	PROPN
fbem-12158	42	5	yueping	yueping	PROPN
fbem-12158	42	6	advocated	advocate	VERB
fbem-12158	42	7	the	the	DET
fbem-12158	42	8	use	use	NOUN
fbem-12158	42	9	of	of	ADP
fbem-12158	42	10	var	var	NOUN
fbem-12158	42	11	analysis	analysis	NOUN
fbem-12158	42	12	methods	method	NOUN
fbem-12158	42	13	to	to	PART
fbem-12158	42	14	help	help	VERB
fbem-12158	42	15	banks	bank	NOUN
fbem-12158	42	16	prevent	prevent	VERB
fbem-12158	42	17	their	their	PRON
fbem-12158	42	18	own	own	ADJ
fbem-12158	42	19	market	market	NOUN
fbem-12158	42	20	risks	risk	NOUN
fbem-12158	42	21	and	and	CCONJ
fbem-12158	42	22	improve	improve	VERB
fbem-12158	42	23	their	their	PRON
fbem-12158	42	24	competitiveness	competitiveness	NOUN
fbem-12158	42	25	.	.	PUNCT
fbem-12158	43	1	wen	wen	PROPN
fbem-12158	43	2	bin	bin	PROPN
fbem-12158	43	3	(	(	PUNCT
fbem-12158	43	4	2005	2005	NUM
fbem-12158	43	5	)	)	PUNCT
fbem-12158	43	6	analyzed	analyze	VERB
fbem-12158	43	7	the	the	DET
fbem-12158	43	8	impact	impact	NOUN
fbem-12158	43	9	of	of	ADP
fbem-12158	43	10	rmb	rmb	NOUN
fbem-12158	43	11	appreciation	appreciation	NOUN
fbem-12158	43	12	on	on	ADP
fbem-12158	43	13	the	the	DET
fbem-12158	43	14	management	management	NOUN
fbem-12158	43	15	of	of	ADP
fbem-12158	43	16	assets	asset	NOUN
fbem-12158	43	17	and	and	CCONJ
fbem-12158	43	18	liabilities	liability	NOUN
fbem-12158	43	19	,	,	PUNCT
fbem-12158	43	20	international	international	ADJ
fbem-12158	43	21	settlement	settlement	NOUN
fbem-12158	43	22	,	,	PUNCT
fbem-12158	43	23	foreign	foreign	ADJ
fbem-12158	43	24	exchange	exchange	NOUN
fbem-12158	43	25	funds	fund	NOUN
fbem-12158	43	26	,	,	PUNCT
fbem-12158	43	27	and	and	CCONJ
fbem-12158	43	28	capital	capital	NOUN
fbem-12158	43	29	adequacy	adequacy	NOUN
fbem-12158	43	30	ratio	ratio	NOUN
fbem-12158	43	31	of	of	ADP
fbem-12158	43	32	chinese	chinese	ADJ
fbem-12158	43	33	commercial	commercial	ADJ
fbem-12158	43	34	banks	bank	NOUN
fbem-12158	43	35	.	.	PUNCT
fbem-12158	44	1	zheng	zheng	PROPN
fbem-12158	44	2	jiaying	jiaying	PROPN
fbem-12158	44	3	(	(	PUNCT
fbem-12158	44	4	2010	2010	NUM
fbem-12158	44	5	)	)	PUNCT
fbem-12158	44	6	analyzed	analyze	VERB
fbem-12158	44	7	the	the	DET
fbem-12158	44	8	specific	specific	ADJ
fbem-12158	44	9	performance	performance	NOUN
fbem-12158	44	10	of	of	ADP
fbem-12158	44	11	exchange	exchange	NOUN
fbem-12158	44	12	rate	rate	NOUN
fbem-12158	44	13	risk	risk	NOUN
fbem-12158	44	14	of	of	ADP
fbem-12158	44	15	commercial	commercial	ADJ
fbem-12158	44	16	banks	bank	NOUN
fbem-12158	44	17	and	and	CCONJ
fbem-12158	44	18	put	put	VERB
fbem-12158	44	19	forward	forward	ADP
fbem-12158	44	20	countermeasures	countermeasure	NOUN
fbem-12158	44	21	.	.	PUNCT
fbem-12158	45	1	foreign	foreign	ADJ
fbem-12158	45	2	research	research	NOUN
fbem-12158	45	3	on	on	ADP
fbem-12158	45	4	the	the	DET
fbem-12158	45	5	risks	risk	NOUN
fbem-12158	45	6	posed	pose	VERB
fbem-12158	45	7	by	by	ADP
fbem-12158	45	8	exchange	exchange	NOUN
fbem-12158	45	9	rate	rate	NOUN
fbem-12158	45	10	changes	change	NOUN
fbem-12158	45	11	to	to	ADP
fbem-12158	45	12	banks	bank	NOUN
fbem-12158	45	13	is	be	AUX
fbem-12158	45	14	relatively	relatively	ADV
fbem-12158	45	15	mature	mature	ADJ
fbem-12158	45	16	,	,	PUNCT
fbem-12158	45	17	while	while	SCONJ
fbem-12158	45	18	domestic	domestic	ADJ
fbem-12158	45	19	related	related	ADJ
fbem-12158	45	20	research	research	NOUN
fbem-12158	45	21	is	be	AUX
fbem-12158	45	22	mostly	mostly	ADV
fbem-12158	45	23	similar	similar	ADJ
fbem-12158	45	24	to	to	ADP
fbem-12158	45	25	foreign	foreign	ADJ
fbem-12158	45	26	results	result	NOUN
fbem-12158	45	27	,	,	PUNCT
fbem-12158	45	28	with	with	ADP
fbem-12158	45	29	less	less	ADV
fbem-12158	45	30	quantitative	quantitative	ADJ
fbem-12158	45	31	analysis	analysis	NOUN
fbem-12158	45	32	and	and	CCONJ
fbem-12158	45	33	more	more	ADJ
fbem-12158	45	34	qualitative	qualitative	ADJ
fbem-12158	45	35	analysis	analysis	NOUN
fbem-12158	45	36	.	.	PUNCT
fbem-12158	46	1	the	the	DET
fbem-12158	46	2	existing	exist	VERB
fbem-12158	46	3	research	research	NOUN
fbem-12158	46	4	on	on	ADP
fbem-12158	46	5	the	the	DET
fbem-12158	46	6	diversification	diversification	NOUN
fbem-12158	46	7	of	of	ADP
fbem-12158	46	8	bank	bank	NOUN
fbem-12158	46	9	revenue	revenue	NOUN
fbem-12158	46	10	structure	structure	NOUN
fbem-12158	46	11	mainly	mainly	ADV
fbem-12158	46	12	focuses	focus	VERB
fbem-12158	46	13	on	on	ADP
fbem-12158	46	14	the	the	DET
fbem-12158	46	15	impact	impact	NOUN
fbem-12158	46	16	of	of	ADP
fbem-12158	46	17	bank	bank	NOUN
fbem-12158	46	18	revenue	revenue	NOUN
fbem-12158	46	19	structure	structure	NOUN
fbem-12158	46	20	diversification	diversification	NOUN
fbem-12158	46	21	on	on	ADP
fbem-12158	46	22	bank	bank	NOUN
fbem-12158	46	23	risk	risk	NOUN
fbem-12158	46	24	and	and	CCONJ
fbem-12158	46	25	the	the	DET
fbem-12158	46	26	relationship	relationship	NOUN
fbem-12158	46	27	with	with	ADP
fbem-12158	46	28	performance	performance	NOUN
fbem-12158	46	29	,	,	PUNCT
fbem-12158	46	30	and	and	CCONJ
fbem-12158	46	31	scholars	scholar	NOUN
fbem-12158	46	32	at	at	ADP
fbem-12158	46	33	home	home	ADV
fbem-12158	46	34	and	and	CCONJ
fbem-12158	46	35	abroad	abroad	ADV
fbem-12158	46	36	have	have	VERB
fbem-12158	46	37	different	different	ADJ
fbem-12158	46	38	views	view	NOUN
fbem-12158	46	39	on	on	ADP
fbem-12158	46	40	this	this	DET
fbem-12158	46	41	issue	issue	NOUN
fbem-12158	46	42	.	.	PUNCT
fbem-12158	47	1	gallo	gallo	PROPN
fbem-12158	47	2	and	and	CCONJ
fbem-12158	47	3	others	other	NOUN
fbem-12158	47	4	propose	propose	VERB
fbem-12158	47	5	that	that	SCONJ
fbem-12158	47	6	adding	add	VERB
fbem-12158	47	7	other	other	ADJ
fbem-12158	47	8	non	non	ADJ
fbem-12158	47	9	-	-	ADJ
fbem-12158	47	10	interest	interest	ADJ
fbem-12158	47	11	businesses	business	NOUN
fbem-12158	47	12	will	will	AUX
fbem-12158	47	13	diversify	diversify	VERB
fbem-12158	47	14	bank	bank	NOUN
fbem-12158	47	15	earnings	earning	NOUN
fbem-12158	47	16	and	and	CCONJ
fbem-12158	47	17	reduce	reduce	VERB
fbem-12158	47	18	risk	risk	NOUN
fbem-12158	47	19	.	.	PUNCT
fbem-12158	48	1	similarly	similarly	ADV
fbem-12158	48	2	,	,	PUNCT
fbem-12158	48	3	stiroh	stiroh	PROPN
fbem-12158	48	4	based	base	VERB
fbem-12158	48	5	on	on	ADP
fbem-12158	48	6	the	the	DET
fbem-12158	48	7	herfindhal	herfindhal	ADJ
fbem-12158	48	8	index	index	NOUN
fbem-12158	48	9	to	to	PART
fbem-12158	48	10	conclude	conclude	VERB
fbem-12158	48	11	that	that	SCONJ
fbem-12158	48	12	the	the	DET
fbem-12158	48	13	share	share	NOUN
fbem-12158	48	14	of	of	ADP
fbem-12158	48	15	non	non	ADJ
fbem-12158	48	16	-	-	ADJ
fbem-12158	48	17	interest	interest	ADJ
fbem-12158	48	18	income	income	NOUN
fbem-12158	48	19	is	be	AUX
fbem-12158	48	20	inversely	inversely	ADV
fbem-12158	48	21	proportional	proportional	ADJ
fbem-12158	48	22	to	to	ADP
fbem-12158	48	23	bank	bank	NOUN
fbem-12158	48	24	risk	risk	NOUN
fbem-12158	48	25	.	.	PUNCT
fbem-12158	49	1	however	however	ADV
fbem-12158	49	2	,	,	PUNCT
fbem-12158	49	3	later	later	ADV
fbem-12158	49	4	scholars	scholar	NOUN
fbem-12158	49	5	also	also	ADV
fbem-12158	49	6	put	put	VERB
fbem-12158	49	7	forward	forward	ADV
fbem-12158	49	8	different	different	ADJ
fbem-12158	49	9	opinions	opinion	NOUN
fbem-12158	49	10	,	,	PUNCT
fbem-12158	49	11	lepetit	lepetit	PROPN
fbem-12158	49	12	et	et	PROPN
fbem-12158	49	13	al	al	PROPN
fbem-12158	49	14	.	.	PROPN
fbem-12158	50	1	based	base	VERB
fbem-12158	50	2	on	on	ADP
fbem-12158	50	3	european	european	PROPN
fbem-12158	50	4	bank	bank	PROPN
fbem-12158	50	5	data	datum	NOUN
fbem-12158	50	6	analysis	analysis	NOUN
fbem-12158	50	7	on	on	ADP
fbem-12158	50	8	the	the	DET
fbem-12158	50	9	relationship	relationship	NOUN
fbem-12158	50	10	between	between	ADP
fbem-12158	50	11	bank	bank	NOUN
fbem-12158	50	12	diversification	diversification	NOUN
fbem-12158	50	13	and	and	CCONJ
fbem-12158	50	14	bank	bank	NOUN
fbem-12158	50	15	risk	risk	NOUN
fbem-12158	50	16	,	,	PUNCT
fbem-12158	50	17	the	the	DET
fbem-12158	50	18	results	result	NOUN
fbem-12158	50	19	show	show	VERB
fbem-12158	50	20	that	that	SCONJ
fbem-12158	50	21	non	non	ADJ
fbem-12158	50	22	-	-	ADJ
fbem-12158	50	23	interest	interest	ADJ
fbem-12158	50	24	income	income	NOUN
fbem-12158	50	25	is	be	AUX
fbem-12158	50	26	directly	directly	ADV
fbem-12158	50	27	proportional	proportional	ADJ
fbem-12158	50	28	to	to	ADP
fbem-12158	50	29	bank	bank	NOUN
fbem-12158	50	30	operating	operating	NOUN
fbem-12158	50	31	risk	risk	NOUN
fbem-12158	50	32	,	,	PUNCT
fbem-12158	50	33	among	among	ADP
fbem-12158	50	34	which	which	PRON
fbem-12158	50	35	the	the	DET
fbem-12158	50	36	risk	risk	NOUN
fbem-12158	50	37	increase	increase	NOUN
fbem-12158	50	38	in	in	ADP
fbem-12158	50	39	fees	fee	NOUN
fbem-12158	50	40	and	and	CCONJ
fbem-12158	50	41	commissions	commission	NOUN
fbem-12158	50	42	is	be	AUX
fbem-12158	50	43	the	the	DET
fbem-12158	50	44	most	most	ADV
fbem-12158	50	45	sharp	sharp	ADJ
fbem-12158	50	46	,	,	PUNCT
fbem-12158	50	47	and	and	CCONJ
fbem-12158	50	48	this	this	DET
fbem-12158	50	49	conclusion	conclusion	NOUN
fbem-12158	50	50	is	be	AUX
fbem-12158	50	51	especially	especially	ADV
fbem-12158	50	52	significant	significant	ADJ
fbem-12158	50	53	for	for	ADP
fbem-12158	50	54	banks	bank	NOUN
fbem-12158	50	55	with	with	ADP
fbem-12158	50	56	smaller	small	ADJ
fbem-12158	50	57	assets	asset	NOUN
fbem-12158	50	58	.	.	PUNCT
fbem-12158	51	1	saunders	saunder	NOUN
fbem-12158	51	2	and	and	CCONJ
fbem-12158	51	3	others	other	NOUN
fbem-12158	51	4	believe	believe	VERB
fbem-12158	51	5	that	that	SCONJ
fbem-12158	51	6	the	the	DET
fbem-12158	51	7	combination	combination	NOUN
fbem-12158	51	8	of	of	ADP
fbem-12158	51	9	multiple	multiple	ADJ
fbem-12158	51	10	businesses	business	NOUN
fbem-12158	51	11	can	can	AUX
fbem-12158	51	12	make	make	VERB
fbem-12158	51	13	the	the	DET
fbem-12158	51	14	bank	bank	NOUN
fbem-12158	51	15	's	's	PART
fbem-12158	51	16	profit	profit	NOUN
fbem-12158	51	17	source	source	NOUN
fbem-12158	51	18	more	more	ADV
fbem-12158	51	19	stable	stable	ADJ
fbem-12158	51	20	.	.	PUNCT
fbem-12158	52	1	stiroh	stiroh	PROPN
fbem-12158	52	2	et	et	PROPN
fbem-12158	52	3	al	al	PROPN
fbem-12158	52	4	.	.	PROPN
fbem-12158	52	5	have	have	AUX
fbem-12158	52	6	conducted	conduct	VERB
fbem-12158	52	7	research	research	NOUN
fbem-12158	52	8	on	on	ADP
fbem-12158	52	9	financial	financial	ADJ
fbem-12158	52	10	institutions	institution	NOUN
fbem-12158	52	11	in	in	ADP
fbem-12158	52	12	the	the	DET
fbem-12158	52	13	united	united	PROPN
fbem-12158	52	14	states	states	PROPN
fbem-12158	52	15	and	and	CCONJ
fbem-12158	52	16	believe	believe	VERB
fbem-12158	52	17	that	that	SCONJ
fbem-12158	52	18	diversification	diversification	NOUN
fbem-12158	52	19	of	of	ADP
fbem-12158	52	20	income	income	NOUN
fbem-12158	52	21	structure	structure	NOUN
fbem-12158	52	22	has	have	VERB
fbem-12158	52	23	both	both	CCONJ
fbem-12158	52	24	positive	positive	ADJ
fbem-12158	52	25	and	and	CCONJ
fbem-12158	52	26	negative	negative	ADJ
fbem-12158	52	27	effects	effect	NOUN
fbem-12158	52	28	on	on	ADP
fbem-12158	52	29	performance	performance	NOUN
fbem-12158	52	30	,	,	PUNCT
fbem-12158	52	31	but	but	CCONJ
fbem-12158	52	32	negative	negative	ADJ
fbem-12158	52	33	effects	effect	NOUN
fbem-12158	52	34	often	often	ADV
fbem-12158	52	35	offset	offset	VERB
fbem-12158	52	36	the	the	DET
fbem-12158	52	37	positive	positive	ADJ
fbem-12158	52	38	effects	effect	NOUN
fbem-12158	52	39	.	.	PUNCT
fbem-12158	53	1	in	in	ADP
fbem-12158	53	2	addition	addition	NOUN
fbem-12158	53	3	,	,	PUNCT
fbem-12158	53	4	foreign	foreign	ADJ
fbem-12158	53	5	scholar	scholar	NOUN
fbem-12158	53	6	mercieca	mercieca	NOUN
fbem-12158	53	7	et	et	PROPN
fbem-12158	53	8	al	al	PROPN
fbem-12158	53	9	.	.	PROPN
fbem-12158	53	10	conducted	conduct	VERB
fbem-12158	53	11	an	an	DET
fbem-12158	53	12	empirical	empirical	ADJ
fbem-12158	53	13	study	study	NOUN
fbem-12158	53	14	on	on	ADP
fbem-12158	53	15	the	the	DET
fbem-12158	53	16	operation	operation	NOUN
fbem-12158	53	17	of	of	ADP
fbem-12158	53	18	755	755	NUM
fbem-12158	53	19	small	small	ADJ
fbem-12158	53	20	european	european	ADJ
fbem-12158	53	21	banks	bank	NOUN
fbem-12158	53	22	between	between	ADP
fbem-12158	53	23	1997	1997	NUM
fbem-12158	53	24	and	and	CCONJ
fbem-12158	53	25	2003	2003	NUM
fbem-12158	53	26	,	,	PUNCT
fbem-12158	53	27	and	and	CCONJ
fbem-12158	53	28	the	the	DET
fbem-12158	53	29	results	result	NOUN
fbem-12158	53	30	showed	show	VERB
fbem-12158	53	31	that	that	SCONJ
fbem-12158	53	32	the	the	DET
fbem-12158	53	33	performance	performance	NOUN
fbem-12158	53	34	of	of	ADP
fbem-12158	53	35	banks	bank	NOUN
fbem-12158	53	36	was	be	AUX
fbem-12158	53	37	inversely	inversely	ADV
fbem-12158	53	38	proportional	proportional	ADJ
fbem-12158	53	39	to	to	ADP
fbem-12158	53	40	noninterest	noninter	ADJ
fbem-12158	53	41	income	income	NOUN
fbem-12158	53	42	.	.	PUNCT
fbem-12158	54	1	by	by	ADP
fbem-12158	54	2	exploring	explore	VERB
fbem-12158	54	3	the	the	DET
fbem-12158	54	4	data	datum	NOUN
fbem-12158	54	5	of	of	ADP
fbem-12158	54	6	a	a	DET
fbem-12158	54	7	series	series	NOUN
fbem-12158	54	8	of	of	ADP
fbem-12158	54	9	western	western	ADJ
fbem-12158	54	10	banks	bank	NOUN
fbem-12158	54	11	,	,	PUNCT
fbem-12158	54	12	laetitia	laetitia	PROPN
fbem-12158	54	13	et	et	PROPN
fbem-12158	54	14	al	al	PROPN
fbem-12158	54	15	.	.	PROPN
fbem-12158	54	16	concluded	conclude	VERB
fbem-12158	54	17	that	that	SCONJ
fbem-12158	54	18	there	there	PRON
fbem-12158	54	19	is	be	VERB
fbem-12158	54	20	a	a	DET
fbem-12158	54	21	negative	negative	ADJ
fbem-12158	54	22	correlation	correlation	NOUN
fbem-12158	54	23	between	between	ADP
fbem-12158	54	24	the	the	DET
fbem-12158	54	25	operating	operating	NOUN
fbem-12158	54	26	performance	performance	NOUN
fbem-12158	54	27	of	of	ADP
fbem-12158	54	28	banks	bank	NOUN
fbem-12158	54	29	and	and	CCONJ
fbem-12158	54	30	the	the	DET
fbem-12158	54	31	diversification	diversification	NOUN
fbem-12158	54	32	of	of	ADP
fbem-12158	54	33	bank	bank	NOUN
fbem-12158	54	34	income	income	NOUN
fbem-12158	54	35	,	,	PUNCT
fbem-12158	54	36	while	while	SCONJ
fbem-12158	54	37	banks	bank	NOUN
fbem-12158	54	38	engaged	engage	VERB
fbem-12158	54	39	in	in	ADP
fbem-12158	54	40	other	other	ADJ
fbem-12158	54	41	businesses	business	NOUN
fbem-12158	54	42	other	other	ADJ
fbem-12158	54	43	than	than	ADP
fbem-12158	54	44	deposit	deposit	NOUN
fbem-12158	54	45	and	and	CCONJ
fbem-12158	54	46	loan	loan	NOUN
fbem-12158	54	47	business	business	NOUN
fbem-12158	54	48	have	have	VERB
fbem-12158	54	49	higher	high	ADJ
fbem-12158	54	50	bankruptcy	bankruptcy	NOUN
fbem-12158	54	51	rates	rate	NOUN
fbem-12158	54	52	and	and	CCONJ
fbem-12158	54	53	higher	high	ADJ
fbem-12158	54	54	operational	operational	ADJ
fbem-12158	54	55	risks	risk	NOUN
fbem-12158	54	56	than	than	ADP
fbem-12158	54	57	banks	bank	NOUN
fbem-12158	54	58	that	that	PRON
fbem-12158	54	59	mainly	mainly	ADV
fbem-12158	54	60	provide	provide	VERB
fbem-12158	54	61	loans	loan	NOUN
fbem-12158	54	62	.	.	PUNCT
fbem-12158	55	1	zhai	zhai	PROPN
fbem-12158	55	2	guangyu	guangyu	PROPN
fbem-12158	55	3	and	and	CCONJ
fbem-12158	55	4	others	other	NOUN
fbem-12158	55	5	believe	believe	VERB
fbem-12158	55	6	that	that	SCONJ
fbem-12158	55	7	diversification	diversification	NOUN
fbem-12158	55	8	of	of	ADP
fbem-12158	55	9	income	income	NOUN
fbem-12158	55	10	structure	structure	NOUN
fbem-12158	55	11	will	will	AUX
fbem-12158	55	12	exacerbate	exacerbate	VERB
fbem-12158	55	13	operational	operational	ADJ
fbem-12158	55	14	risks	risk	NOUN
fbem-12158	55	15	and	and	CCONJ
fbem-12158	55	16	credit	credit	NOUN
fbem-12158	55	17	risks	risk	NOUN
fbem-12158	55	18	,	,	PUNCT
fbem-12158	55	19	and	and	CCONJ
fbem-12158	55	20	banks	bank	NOUN
fbem-12158	55	21	should	should	AUX
fbem-12158	55	22	not	not	PART
fbem-12158	55	23	respond	respond	VERB
fbem-12158	55	24	to	to	ADP
fbem-12158	55	25	the	the	DET
fbem-12158	55	26	impact	impact	NOUN
fbem-12158	55	27	of	of	ADP
fbem-12158	55	28	interest	interest	NOUN
fbem-12158	55	29	rate	rate	NOUN
fbem-12158	55	30	marketization	marketization	NOUN
fbem-12158	55	31	through	through	ADP
fbem-12158	55	32	diversification	diversification	NOUN
fbem-12158	55	33	.	.	PUNCT
fbem-12158	56	1	zhao	zhao	PROPN
fbem-12158	56	2	shengmin	shengmin	PROPN
fbem-12158	56	3	and	and	CCONJ
fbem-12158	56	4	others	other	NOUN
fbem-12158	56	5	believe	believe	VERB
fbem-12158	56	6	that	that	SCONJ
fbem-12158	56	7	the	the	DET
fbem-12158	56	8	competitive	competitive	ADJ
fbem-12158	56	9	effect	effect	NOUN
fbem-12158	56	10	brought	bring	VERB
fbem-12158	56	11	by	by	ADP
fbem-12158	56	12	the	the	DET
fbem-12158	56	13	development	development	NOUN
fbem-12158	56	14	of	of	ADP
fbem-12158	56	15	internet	internet	NOUN
fbem-12158	56	16	finance	finance	NOUN
fbem-12158	56	17	will	will	AUX
fbem-12158	56	18	exceed	exceed	VERB
fbem-12158	56	19	the	the	DET
fbem-12158	56	20	technological	technological	ADJ
fbem-12158	56	21	spillover	spillover	NOUN
fbem-12158	56	22	effect	effect	NOUN
fbem-12158	56	23	,	,	PUNCT
fbem-12158	56	24	so	so	SCONJ
fbem-12158	56	25	it	it	PRON
fbem-12158	56	26	will	will	AUX
fbem-12158	56	27	significantly	significantly	ADV
fbem-12158	56	28	reduce	reduce	VERB
fbem-12158	56	29	the	the	DET
fbem-12158	56	30	overall	overall	ADJ
fbem-12158	56	31	non	non	ADJ
fbem-12158	56	32	-	-	ADJ
fbem-12158	56	33	interest	interest	ADJ
fbem-12158	56	34	income	income	NOUN
fbem-12158	56	35	level	level	NOUN
fbem-12158	56	36	of	of	ADP
fbem-12158	56	37	commercial	commercial	ADJ
fbem-12158	56	38	banks	bank	NOUN
fbem-12158	56	39	.	.	PUNCT
fbem-12158	57	1	30	30	NUM
fbem-12158	57	2	2.2	2.2	NUM
fbem-12158	57	3	.	.	PUNCT
fbem-12158	58	1	the	the	DET
fbem-12158	58	2	impact	impact	NOUN
fbem-12158	58	3	of	of	ADP
fbem-12158	58	4	rmb	rmb	PROPN
fbem-12158	58	5	exchange	exchange	NOUN
fbem-12158	58	6	rate	rate	NOUN
fbem-12158	58	7	changes	change	NOUN
fbem-12158	58	8	on	on	ADP
fbem-12158	58	9	commercial	commercial	ADJ
fbem-12158	58	10	banks	bank	NOUN
fbem-12158	58	11	1	1	NUM
fbem-12158	58	12	.	.	PUNCT
fbem-12158	58	13	asset	asset	NOUN
fbem-12158	58	14	and	and	CCONJ
fbem-12158	58	15	liability	liability	NOUN
fbem-12158	58	16	management	management	NOUN
fbem-12158	58	17	of	of	ADP
fbem-12158	58	18	commercial	commercial	ADJ
fbem-12158	58	19	banks	bank	NOUN
fbem-12158	58	20	.	.	PUNCT
fbem-12158	59	1	the	the	DET
fbem-12158	59	2	appreciation	appreciation	NOUN
fbem-12158	59	3	of	of	ADP
fbem-12158	59	4	the	the	DET
fbem-12158	59	5	renminbi	renminbi	NOUN
fbem-12158	59	6	will	will	AUX
fbem-12158	59	7	have	have	VERB
fbem-12158	59	8	an	an	DET
fbem-12158	59	9	impact	impact	NOUN
fbem-12158	59	10	on	on	ADP
fbem-12158	59	11	the	the	DET
fbem-12158	59	12	foreign	foreign	ADJ
fbem-12158	59	13	currency	currency	NOUN
fbem-12158	59	14	component	component	NOUN
fbem-12158	59	15	of	of	ADP
fbem-12158	59	16	the	the	DET
fbem-12158	59	17	capital	capital	NOUN
fbem-12158	59	18	.	.	PUNCT
fbem-12158	60	1	as	as	ADV
fbem-12158	60	2	far	far	ADV
fbem-12158	60	3	as	as	SCONJ
fbem-12158	60	4	china	china	PROPN
fbem-12158	60	5	's	's	PART
fbem-12158	60	6	commercial	commercial	ADJ
fbem-12158	60	7	banks	bank	NOUN
fbem-12158	60	8	are	be	AUX
fbem-12158	60	9	concerned	concern	VERB
fbem-12158	60	10	,	,	PUNCT
fbem-12158	60	11	the	the	DET
fbem-12158	60	12	amount	amount	NOUN
fbem-12158	60	13	of	of	ADP
fbem-12158	60	14	foreign	foreign	ADJ
fbem-12158	60	15	exchange	exchange	NOUN
fbem-12158	60	16	capital	capital	NOUN
fbem-12158	60	17	is	be	AUX
fbem-12158	60	18	large	large	ADJ
fbem-12158	60	19	,	,	PUNCT
fbem-12158	60	20	and	and	CCONJ
fbem-12158	60	21	the	the	DET
fbem-12158	60	22	currency	currency	NOUN
fbem-12158	60	23	is	be	AUX
fbem-12158	60	24	mainly	mainly	ADV
fbem-12158	60	25	us	us	PROPN
fbem-12158	60	26	dollars	dollar	NOUN
fbem-12158	60	27	.	.	PUNCT
fbem-12158	61	1	once	once	ADV
fbem-12158	61	2	the	the	DET
fbem-12158	61	3	rmb	rmb	PROPN
fbem-12158	61	4	exchange	exchange	NOUN
fbem-12158	61	5	rate	rate	NOUN
fbem-12158	61	6	changes	change	NOUN
fbem-12158	61	7	,	,	PUNCT
fbem-12158	61	8	it	it	PRON
fbem-12158	61	9	will	will	AUX
fbem-12158	61	10	lead	lead	VERB
fbem-12158	61	11	to	to	ADP
fbem-12158	61	12	changes	change	NOUN
fbem-12158	61	13	in	in	ADP
fbem-12158	61	14	the	the	DET
fbem-12158	61	15	bank	bank	NOUN
fbem-12158	61	16	's	's	PART
fbem-12158	61	17	capital	capital	NOUN
fbem-12158	61	18	,	,	PUNCT
fbem-12158	61	19	which	which	PRON
fbem-12158	61	20	will	will	AUX
fbem-12158	61	21	significantly	significantly	ADV
fbem-12158	61	22	increase	increase	VERB
fbem-12158	61	23	the	the	DET
fbem-12158	61	24	bank	bank	NOUN
fbem-12158	61	25	's	's	PART
fbem-12158	61	26	exchange	exchange	NOUN
fbem-12158	61	27	rate	rate	NOUN
fbem-12158	61	28	management	management	NOUN
fbem-12158	61	29	risk	risk	NOUN
fbem-12158	61	30	.	.	PUNCT
fbem-12158	62	1	on	on	ADP
fbem-12158	62	2	the	the	DET
fbem-12158	62	3	other	other	ADJ
fbem-12158	62	4	hand	hand	NOUN
fbem-12158	62	5	,	,	PUNCT
fbem-12158	62	6	with	with	ADP
fbem-12158	62	7	the	the	DET
fbem-12158	62	8	appreciation	appreciation	NOUN
fbem-12158	62	9	of	of	ADP
fbem-12158	62	10	the	the	DET
fbem-12158	62	11	rmb	rmb	NOUN
fbem-12158	62	12	,	,	PUNCT
fbem-12158	62	13	foreign	foreign	ADJ
fbem-12158	62	14	exchange	exchange	NOUN
fbem-12158	62	15	deposits	deposit	NOUN
fbem-12158	62	16	decrease	decrease	VERB
fbem-12158	62	17	,	,	PUNCT
fbem-12158	62	18	and	and	CCONJ
fbem-12158	62	19	the	the	DET
fbem-12158	62	20	demand	demand	NOUN
fbem-12158	62	21	for	for	ADP
fbem-12158	62	22	foreign	foreign	ADJ
fbem-12158	62	23	exchange	exchange	NOUN
fbem-12158	62	24	loans	loan	NOUN
fbem-12158	62	25	by	by	ADP
fbem-12158	62	26	enterprises	enterprise	NOUN
fbem-12158	62	27	and	and	CCONJ
fbem-12158	62	28	individuals	individual	NOUN
fbem-12158	62	29	will	will	AUX
fbem-12158	62	30	increase	increase	VERB
fbem-12158	62	31	,	,	PUNCT
fbem-12158	62	32	resulting	result	VERB
fbem-12158	62	33	in	in	ADP
fbem-12158	62	34	an	an	DET
fbem-12158	62	35	increase	increase	NOUN
fbem-12158	62	36	in	in	ADP
fbem-12158	62	37	the	the	DET
fbem-12158	62	38	balance	balance	NOUN
fbem-12158	62	39	of	of	ADP
fbem-12158	62	40	foreign	foreign	ADJ
fbem-12158	62	41	exchange	exchange	NOUN
fbem-12158	62	42	loans	loan	NOUN
fbem-12158	62	43	in	in	ADP
fbem-12158	62	44	banks	bank	NOUN
fbem-12158	62	45	,	,	PUNCT
fbem-12158	62	46	changing	change	VERB
fbem-12158	62	47	the	the	DET
fbem-12158	62	48	structure	structure	NOUN
fbem-12158	62	49	of	of	ADP
fbem-12158	62	50	foreign	foreign	ADJ
fbem-12158	62	51	exchange	exchange	NOUN
fbem-12158	62	52	assets	asset	NOUN
fbem-12158	62	53	and	and	CCONJ
fbem-12158	62	54	increasing	increase	VERB
fbem-12158	62	55	liquidity	liquidity	NOUN
fbem-12158	62	56	risks	risk	NOUN
fbem-12158	62	57	.	.	PUNCT
fbem-12158	63	1	2	2	X
fbem-12158	63	2	.	.	X
fbem-12158	63	3	foreign	foreign	ADJ
fbem-12158	63	4	exchange	exchange	NOUN
fbem-12158	63	5	exposure	exposure	NOUN
fbem-12158	63	6	positions	position	NOUN
fbem-12158	63	7	of	of	ADP
fbem-12158	63	8	commercial	commercial	ADJ
fbem-12158	63	9	banks	bank	NOUN
fbem-12158	63	10	.	.	PUNCT
fbem-12158	64	1	the	the	DET
fbem-12158	64	2	assets	asset	NOUN
fbem-12158	64	3	held	hold	VERB
fbem-12158	64	4	by	by	ADP
fbem-12158	64	5	commercial	commercial	ADJ
fbem-12158	64	6	banks	bank	NOUN
fbem-12158	64	7	for	for	ADP
fbem-12158	64	8	the	the	DET
fbem-12158	64	9	purpose	purpose	NOUN
fbem-12158	64	10	of	of	ADP
fbem-12158	64	11	conducting	conduct	VERB
fbem-12158	64	12	foreign	foreign	ADJ
fbem-12158	64	13	exchange	exchange	NOUN
fbem-12158	64	14	transactions	transaction	NOUN
fbem-12158	64	15	,	,	PUNCT
fbem-12158	64	16	as	as	ADV
fbem-12158	64	17	well	well	ADV
fbem-12158	64	18	as	as	ADP
fbem-12158	64	19	the	the	DET
fbem-12158	64	20	foreign	foreign	ADJ
fbem-12158	64	21	exchange	exchange	NOUN
fbem-12158	64	22	assets	asset	NOUN
fbem-12158	64	23	and	and	CCONJ
fbem-12158	64	24	liabilities	liability	NOUN
fbem-12158	64	25	in	in	ADP
fbem-12158	64	26	bank	bank	NOUN
fbem-12158	64	27	accounts	account	NOUN
fbem-12158	64	28	,	,	PUNCT
fbem-12158	64	29	will	will	AUX
fbem-12158	64	30	be	be	AUX
fbem-12158	64	31	affected	affect	VERB
fbem-12158	64	32	by	by	ADP
fbem-12158	64	33	changes	change	NOUN
fbem-12158	64	34	in	in	ADP
fbem-12158	64	35	the	the	DET
fbem-12158	64	36	rmb	rmb	PROPN
fbem-12158	64	37	exchange	exchange	NOUN
fbem-12158	64	38	rate	rate	NOUN
fbem-12158	64	39	.	.	PUNCT
fbem-12158	65	1	with	with	ADP
fbem-12158	65	2	the	the	DET
fbem-12158	65	3	appreciation	appreciation	NOUN
fbem-12158	65	4	of	of	ADP
fbem-12158	65	5	the	the	DET
fbem-12158	65	6	rmb	rmb	NOUN
fbem-12158	65	7	,	,	PUNCT
fbem-12158	65	8	the	the	DET
fbem-12158	65	9	increase	increase	NOUN
fbem-12158	65	10	in	in	ADP
fbem-12158	65	11	the	the	DET
fbem-12158	65	12	foreign	foreign	ADJ
fbem-12158	65	13	exchange	exchange	NOUN
fbem-12158	65	14	deposit	deposit	NOUN
fbem-12158	65	15	to	to	PART
fbem-12158	65	16	loan	loan	VERB
fbem-12158	65	17	ratio	ratio	NOUN
fbem-12158	65	18	increases	increase	VERB
fbem-12158	65	19	the	the	DET
fbem-12158	65	20	loss	loss	NOUN
fbem-12158	65	21	,	,	PUNCT
fbem-12158	65	22	and	and	CCONJ
fbem-12158	65	23	under	under	ADP
fbem-12158	65	24	the	the	DET
fbem-12158	65	25	expectation	expectation	NOUN
fbem-12158	65	26	of	of	ADP
fbem-12158	65	27	rmb	rmb	NOUN
fbem-12158	65	28	appreciation	appreciation	NOUN
fbem-12158	65	29	,	,	PUNCT
fbem-12158	65	30	the	the	DET
fbem-12158	65	31	willingness	willingness	NOUN
fbem-12158	65	32	to	to	PART
fbem-12158	65	33	hold	hold	VERB
fbem-12158	65	34	foreign	foreign	ADJ
fbem-12158	65	35	exchange	exchange	NOUN
fbem-12158	65	36	weakens	weaken	VERB
fbem-12158	65	37	,	,	PUNCT
fbem-12158	65	38	and	and	CCONJ
fbem-12158	65	39	foreign	foreign	ADJ
fbem-12158	65	40	exchange	exchange	NOUN
fbem-12158	65	41	is	be	AUX
fbem-12158	65	42	constantly	constantly	ADV
fbem-12158	65	43	sold	sell	VERB
fbem-12158	65	44	to	to	ADP
fbem-12158	65	45	commercial	commercial	ADJ
fbem-12158	65	46	banks	bank	NOUN
fbem-12158	65	47	,	,	PUNCT
fbem-12158	65	48	so	so	SCONJ
fbem-12158	65	49	that	that	SCONJ
fbem-12158	65	50	the	the	DET
fbem-12158	65	51	foreign	foreign	ADJ
fbem-12158	65	52	exchange	exchange	NOUN
fbem-12158	65	53	exposure	exposure	NOUN
fbem-12158	65	54	positions	position	NOUN
fbem-12158	65	55	of	of	ADP
fbem-12158	65	56	commercial	commercial	ADJ
fbem-12158	65	57	banks	bank	NOUN
fbem-12158	65	58	continue	continue	VERB
fbem-12158	65	59	to	to	PART
fbem-12158	65	60	increase	increase	VERB
fbem-12158	65	61	;	;	PUNCT
fbem-12158	65	62	3	3	X
fbem-12158	65	63	.	.	X
fbem-12158	65	64	commercial	commercial	ADJ
fbem-12158	65	65	banking	banking	NOUN
fbem-12158	65	66	business	business	NOUN
fbem-12158	65	67	operation	operation	NOUN
fbem-12158	65	68	.	.	PUNCT
fbem-12158	66	1	the	the	DET
fbem-12158	66	2	import	import	NOUN
fbem-12158	66	3	and	and	CCONJ
fbem-12158	66	4	export	export	NOUN
fbem-12158	66	5	industry	industry	NOUN
fbem-12158	66	6	is	be	AUX
fbem-12158	66	7	significantly	significantly	ADV
fbem-12158	66	8	affected	affect	VERB
fbem-12158	66	9	by	by	ADP
fbem-12158	66	10	the	the	DET
fbem-12158	66	11	change	change	NOUN
fbem-12158	66	12	of	of	ADP
fbem-12158	66	13	rmb	rmb	PROPN
fbem-12158	66	14	exchange	exchange	NOUN
fbem-12158	66	15	rate	rate	NOUN
fbem-12158	66	16	,	,	PUNCT
fbem-12158	66	17	which	which	PRON
fbem-12158	66	18	will	will	AUX
fbem-12158	66	19	have	have	VERB
fbem-12158	66	20	an	an	DET
fbem-12158	66	21	impact	impact	NOUN
fbem-12158	66	22	on	on	ADP
fbem-12158	66	23	the	the	DET
fbem-12158	66	24	credit	credit	NOUN
fbem-12158	66	25	business	business	NOUN
fbem-12158	66	26	of	of	ADP
fbem-12158	66	27	banks	bank	NOUN
fbem-12158	66	28	.	.	PUNCT
fbem-12158	67	1	as	as	SCONJ
fbem-12158	67	2	the	the	DET
fbem-12158	67	3	renminbi	renminbi	NOUN
fbem-12158	67	4	appreciates	appreciate	VERB
fbem-12158	67	5	,	,	PUNCT
fbem-12158	67	6	for	for	ADP
fbem-12158	67	7	those	those	DET
fbem-12158	67	8	exporters	exporter	NOUN
fbem-12158	67	9	,	,	PUNCT
fbem-12158	67	10	operating	operate	VERB
fbem-12158	67	11	profits	profit	NOUN
fbem-12158	67	12	are	be	AUX
fbem-12158	67	13	reduced	reduce	VERB
fbem-12158	67	14	and	and	CCONJ
fbem-12158	67	15	repayment	repayment	NOUN
fbem-12158	67	16	capacity	capacity	NOUN
fbem-12158	67	17	is	be	AUX
fbem-12158	67	18	reduced	reduce	VERB
fbem-12158	67	19	.	.	PUNCT
fbem-12158	68	1	therefore	therefore	ADV
fbem-12158	68	2	,	,	PUNCT
fbem-12158	68	3	for	for	ADP
fbem-12158	68	4	industries	industry	NOUN
fbem-12158	68	5	affected	affect	VERB
fbem-12158	68	6	by	by	ADP
fbem-12158	68	7	rmb	rmb	NOUN
fbem-12158	68	8	appreciation	appreciation	NOUN
fbem-12158	68	9	,	,	PUNCT
fbem-12158	68	10	the	the	DET
fbem-12158	68	11	impact	impact	NOUN
fbem-12158	68	12	of	of	ADP
fbem-12158	68	13	some	some	DET
fbem-12158	68	14	enterprises	enterprise	NOUN
fbem-12158	68	15	'	'	PART
fbem-12158	68	16	ability	ability	NOUN
fbem-12158	68	17	to	to	PART
fbem-12158	68	18	repay	repay	VERB
fbem-12158	68	19	loans	loan	NOUN
fbem-12158	68	20	increases	increase	NOUN
fbem-12158	68	21	,	,	PUNCT
fbem-12158	68	22	and	and	CCONJ
fbem-12158	68	23	the	the	DET
fbem-12158	68	24	profitability	profitability	NOUN
fbem-12158	68	25	of	of	ADP
fbem-12158	68	26	some	some	DET
fbem-12158	68	27	enterprises	enterprise	NOUN
fbem-12158	68	28	decreases	decrease	VERB
fbem-12158	68	29	,	,	PUNCT
fbem-12158	68	30	which	which	PRON
fbem-12158	68	31	increases	increase	VERB
fbem-12158	68	32	the	the	DET
fbem-12158	68	33	risk	risk	NOUN
fbem-12158	68	34	of	of	ADP
fbem-12158	68	35	bank	bank	NOUN
fbem-12158	68	36	loans	loan	NOUN
fbem-12158	68	37	in	in	ADP
fbem-12158	68	38	related	related	ADJ
fbem-12158	68	39	industries	industry	NOUN
fbem-12158	68	40	.	.	PUNCT
fbem-12158	69	1	3	3	X
fbem-12158	69	2	.	.	X
fbem-12158	69	3	empirical	empirical	ADJ
fbem-12158	69	4	research	research	NOUN
fbem-12158	69	5	design	design	NOUN
fbem-12158	69	6	3.1	3.1	NUM
fbem-12158	69	7	.	.	PUNCT
fbem-12158	70	1	research	research	NOUN
fbem-12158	70	2	hypotheses	hypothesis	NOUN
fbem-12158	70	3	under	under	ADP
fbem-12158	70	4	the	the	DET
fbem-12158	70	5	conditions	condition	NOUN
fbem-12158	70	6	of	of	ADP
fbem-12158	70	7	market	market	NOUN
fbem-12158	70	8	economy	economy	NOUN
fbem-12158	70	9	,	,	PUNCT
fbem-12158	70	10	interest	interest	NOUN
fbem-12158	70	11	rates	rate	NOUN
fbem-12158	70	12	and	and	CCONJ
fbem-12158	70	13	exchange	exchange	NOUN
fbem-12158	70	14	rates	rate	NOUN
fbem-12158	70	15	are	be	AUX
fbem-12158	70	16	highly	highly	ADV
fbem-12158	70	17	correlated	correlate	VERB
fbem-12158	70	18	,	,	PUNCT
fbem-12158	70	19	and	and	CCONJ
fbem-12158	70	20	the	the	DET
fbem-12158	70	21	changes	change	NOUN
fbem-12158	70	22	of	of	ADP
fbem-12158	70	23	the	the	DET
fbem-12158	70	24	two	two	NUM
fbem-12158	70	25	restrict	restrict	VERB
fbem-12158	70	26	each	each	DET
fbem-12158	70	27	other	other	ADJ
fbem-12158	70	28	,	,	PUNCT
fbem-12158	70	29	and	and	CCONJ
fbem-12158	70	30	jointly	jointly	ADV
fbem-12158	70	31	affect	affect	VERB
fbem-12158	70	32	a	a	DET
fbem-12158	70	33	country	country	NOUN
fbem-12158	70	34	's	's	PART
fbem-12158	70	35	money	money	NOUN
fbem-12158	70	36	supply	supply	NOUN
fbem-12158	70	37	and	and	CCONJ
fbem-12158	70	38	internal	internal	ADJ
fbem-12158	70	39	and	and	CCONJ
fbem-12158	70	40	external	external	ADJ
fbem-12158	70	41	equilibrium	equilibrium	NOUN
fbem-12158	70	42	.	.	PUNCT
fbem-12158	71	1	changes	change	NOUN
fbem-12158	71	2	in	in	ADP
fbem-12158	71	3	exchange	exchange	NOUN
fbem-12158	71	4	rates	rate	NOUN
fbem-12158	71	5	will	will	AUX
fbem-12158	71	6	inevitably	inevitably	ADV
fbem-12158	71	7	cause	cause	VERB
fbem-12158	71	8	fluctuations	fluctuation	NOUN
fbem-12158	71	9	in	in	ADP
fbem-12158	71	10	interest	interest	NOUN
fbem-12158	71	11	rates	rate	NOUN
fbem-12158	71	12	,	,	PUNCT
fbem-12158	71	13	which	which	PRON
fbem-12158	71	14	in	in	ADP
fbem-12158	71	15	turn	turn	NOUN
fbem-12158	71	16	will	will	AUX
fbem-12158	71	17	affect	affect	VERB
fbem-12158	71	18	the	the	DET
fbem-12158	71	19	bank	bank	NOUN
fbem-12158	71	20	's	's	PART
fbem-12158	71	21	related	relate	VERB
fbem-12158	71	22	income	income	NOUN
fbem-12158	71	23	and	and	CCONJ
fbem-12158	71	24	revenue	revenue	NOUN
fbem-12158	71	25	structure	structure	NOUN
fbem-12158	71	26	.	.	PUNCT
fbem-12158	72	1	hypothesis	hypothesis	NOUN
fbem-12158	72	2	1	1	NUM
fbem-12158	72	3	:	:	PUNCT
fbem-12158	72	4	exchange	exchange	NOUN
fbem-12158	72	5	rate	rate	NOUN
fbem-12158	72	6	fluctuations	fluctuation	NOUN
fbem-12158	72	7	affect	affect	VERB
fbem-12158	72	8	the	the	DET
fbem-12158	72	9	profitability	profitability	NOUN
fbem-12158	72	10	of	of	ADP
fbem-12158	72	11	commercial	commercial	ADJ
fbem-12158	72	12	banks	bank	NOUN
fbem-12158	72	13	by	by	ADP
fbem-12158	72	14	affecting	affect	VERB
fbem-12158	72	15	their	their	PRON
fbem-12158	72	16	level	level	NOUN
fbem-12158	72	17	of	of	ADP
fbem-12158	72	18	revenue	revenue	NOUN
fbem-12158	72	19	diversification	diversification	NOUN
fbem-12158	72	20	.	.	PUNCT
fbem-12158	73	1	interest	interest	NOUN
fbem-12158	73	2	rate	rate	NOUN
fbem-12158	73	3	fluctuations	fluctuation	NOUN
fbem-12158	73	4	have	have	AUX
fbem-12158	73	5	brought	bring	VERB
fbem-12158	73	6	some	some	DET
fbem-12158	73	7	uncertainty	uncertainty	NOUN
fbem-12158	73	8	to	to	ADP
fbem-12158	73	9	the	the	DET
fbem-12158	73	10	operation	operation	NOUN
fbem-12158	73	11	of	of	ADP
fbem-12158	73	12	banks	bank	NOUN
fbem-12158	73	13	,	,	PUNCT
fbem-12158	73	14	and	and	CCONJ
fbem-12158	73	15	conducting	conduct	VERB
fbem-12158	73	16	other	other	ADJ
fbem-12158	73	17	businesses	business	NOUN
fbem-12158	73	18	other	other	ADJ
fbem-12158	73	19	than	than	ADP
fbem-12158	73	20	deposit	deposit	NOUN
fbem-12158	73	21	and	and	CCONJ
fbem-12158	73	22	loan	loan	NOUN
fbem-12158	73	23	business	business	NOUN
fbem-12158	73	24	is	be	AUX
fbem-12158	73	25	conducive	conducive	ADJ
fbem-12158	73	26	to	to	ADP
fbem-12158	73	27	diversifying	diversify	VERB
fbem-12158	73	28	risks	risk	NOUN
fbem-12158	73	29	and	and	CCONJ
fbem-12158	73	30	thereby	thereby	ADV
fbem-12158	73	31	increasing	increase	VERB
fbem-12158	73	32	profit	profit	NOUN
fbem-12158	73	33	opportunities	opportunity	NOUN
fbem-12158	73	34	.	.	PUNCT
fbem-12158	74	1	hypothesis	hypothesis	NOUN
fbem-12158	74	2	2	2	NUM
fbem-12158	74	3	:	:	PUNCT
fbem-12158	74	4	increasing	increase	VERB
fbem-12158	74	5	the	the	DET
fbem-12158	74	6	level	level	NOUN
fbem-12158	74	7	of	of	ADP
fbem-12158	74	8	revenue	revenue	NOUN
fbem-12158	74	9	diversification	diversification	NOUN
fbem-12158	74	10	of	of	ADP
fbem-12158	74	11	commercial	commercial	ADJ
fbem-12158	74	12	banks	bank	NOUN
fbem-12158	74	13	can	can	AUX
fbem-12158	74	14	enhance	enhance	VERB
fbem-12158	74	15	their	their	PRON
fbem-12158	74	16	profitability	profitability	NOUN
fbem-12158	74	17	.	.	PUNCT
fbem-12158	75	1	the	the	DET
fbem-12158	75	2	income	income	NOUN
fbem-12158	75	3	structure	structure	NOUN
fbem-12158	75	4	of	of	ADP
fbem-12158	75	5	commercial	commercial	ADJ
fbem-12158	75	6	banks	bank	NOUN
fbem-12158	75	7	is	be	AUX
fbem-12158	75	8	gradually	gradually	ADV
fbem-12158	75	9	adjusting	adjust	VERB
fbem-12158	75	10	,	,	PUNCT
fbem-12158	75	11	and	and	CCONJ
fbem-12158	75	12	the	the	DET
fbem-12158	75	13	proportion	proportion	NOUN
fbem-12158	75	14	of	of	ADP
fbem-12158	75	15	non	non	ADJ
fbem-12158	75	16	-	-	ADJ
fbem-12158	75	17	interest	interest	ADJ
fbem-12158	75	18	income	income	NOUN
fbem-12158	75	19	is	be	AUX
fbem-12158	75	20	increasing	increase	VERB
fbem-12158	75	21	,	,	PUNCT
fbem-12158	75	22	and	and	CCONJ
fbem-12158	75	23	the	the	DET
fbem-12158	75	24	non	non	ADJ
fbem-12158	75	25	-	-	ADJ
fbem-12158	75	26	interest	interest	ADJ
fbem-12158	75	27	income	income	NOUN
fbem-12158	75	28	mainly	mainly	ADV
fbem-12158	75	29	includes	include	VERB
fbem-12158	75	30	the	the	DET
fbem-12158	75	31	handling	handling	NOUN
fbem-12158	75	32	fees	fee	NOUN
fbem-12158	75	33	and	and	CCONJ
fbem-12158	75	34	commissions	commission	NOUN
fbem-12158	75	35	charged	charge	VERB
fbem-12158	75	36	by	by	ADP
fbem-12158	75	37	banks	bank	NOUN
fbem-12158	75	38	for	for	SCONJ
fbem-12158	75	39	customers	customer	NOUN
fbem-12158	75	40	to	to	PART
fbem-12158	75	41	handle	handle	VERB
fbem-12158	75	42	various	various	ADJ
fbem-12158	75	43	businesses	business	NOUN
fbem-12158	75	44	,	,	PUNCT
fbem-12158	75	45	and	and	CCONJ
fbem-12158	75	46	some	some	DET
fbem-12158	75	47	other	other	ADJ
fbem-12158	75	48	noninterest	noninter	ADJ
fbem-12158	75	49	income	income	NOUN
fbem-12158	75	50	.	.	PUNCT
fbem-12158	76	1	hypothesis	hypothesis	NOUN
fbem-12158	76	2	3	3	NUM
fbem-12158	76	3	:	:	PUNCT
fbem-12158	76	4	the	the	DET
fbem-12158	76	5	impact	impact	NOUN
fbem-12158	76	6	of	of	ADP
fbem-12158	76	7	non	non	ADJ
fbem-12158	76	8	-	-	ADJ
fbem-12158	76	9	interest	interest	ADJ
fbem-12158	76	10	income	income	NOUN
fbem-12158	76	11	on	on	ADP
fbem-12158	76	12	profitability	profitability	NOUN
fbem-12158	76	13	of	of	ADP
fbem-12158	76	14	commercial	commercial	ADJ
fbem-12158	76	15	banks	bank	NOUN
fbem-12158	76	16	is	be	AUX
fbem-12158	76	17	mainly	mainly	ADV
fbem-12158	76	18	generated	generate	VERB
fbem-12158	76	19	by	by	ADP
fbem-12158	76	20	fee	fee	NOUN
fbem-12158	76	21	and	and	CCONJ
fbem-12158	76	22	commission	commission	NOUN
fbem-12158	76	23	income	income	NOUN
fbem-12158	76	24	.	.	PUNCT
fbem-12158	77	1	3.2	3.2	NUM
fbem-12158	77	2	.	.	PUNCT
fbem-12158	78	1	explanatory	explanatory	ADJ
fbem-12158	78	2	variables	variable	NOUN
fbem-12158	78	3	and	and	CCONJ
fbem-12158	78	4	selection	selection	NOUN
fbem-12158	78	5	of	of	ADP
fbem-12158	78	6	explanatory	explanatory	ADJ
fbem-12158	78	7	variables	variable	NOUN
fbem-12158	78	8	explanatory	explanatory	ADJ
fbem-12158	78	9	variables	variable	NOUN
fbem-12158	78	10	:	:	PUNCT
fbem-12158	78	11	considering	consider	VERB
fbem-12158	78	12	the	the	DET
fbem-12158	78	13	process	process	NOUN
fbem-12158	78	14	of	of	ADP
fbem-12158	78	15	collecting	collect	VERB
fbem-12158	78	16	data	datum	NOUN
fbem-12158	78	17	and	and	CCONJ
fbem-12158	78	18	subsequent	subsequent	ADJ
fbem-12158	78	19	analysis	analysis	NOUN
fbem-12158	78	20	,	,	PUNCT
fbem-12158	78	21	the	the	DET
fbem-12158	78	22	explanatory	explanatory	ADJ
fbem-12158	78	23	variable	variable	NOUN
fbem-12158	78	24	selected	select	VERB
fbem-12158	78	25	in	in	ADP
fbem-12158	78	26	this	this	DET
fbem-12158	78	27	paper	paper	NOUN
fbem-12158	78	28	is	be	AUX
fbem-12158	78	29	roa	roa	NOUN
fbem-12158	78	30	of	of	ADP
fbem-12158	78	31	total	total	ADJ
fbem-12158	78	32	return	return	NOUN
fbem-12158	78	33	on	on	ADP
fbem-12158	78	34	assets	asset	NOUN
fbem-12158	78	35	,	,	PUNCT
fbem-12158	78	36	generally	generally	ADV
fbem-12158	78	37	speaking	speak	VERB
fbem-12158	78	38	,	,	PUNCT
fbem-12158	78	39	roa	roa	PROPN
fbem-12158	78	40	is	be	AUX
fbem-12158	78	41	commonly	commonly	ADV
fbem-12158	78	42	used	use	VERB
fbem-12158	78	43	to	to	PART
fbem-12158	78	44	measure	measure	VERB
fbem-12158	78	45	the	the	DET
fbem-12158	78	46	profitability	profitability	NOUN
fbem-12158	78	47	of	of	ADP
fbem-12158	78	48	commercial	commercial	ADJ
fbem-12158	78	49	banks	bank	NOUN
fbem-12158	78	50	,	,	PUNCT
fbem-12158	78	51	it	it	PRON
fbem-12158	78	52	is	be	AUX
fbem-12158	78	53	the	the	DET
fbem-12158	78	54	ratio	ratio	NOUN
fbem-12158	78	55	of	of	ADP
fbem-12158	78	56	net	net	ADJ
fbem-12158	78	57	profit	profit	NOUN
fbem-12158	78	58	to	to	PART
fbem-12158	78	59	average	average	VERB
fbem-12158	78	60	total	total	ADJ
fbem-12158	78	61	assets	asset	NOUN
fbem-12158	78	62	,	,	PUNCT
fbem-12158	78	63	the	the	DET
fbem-12158	78	64	size	size	NOUN
fbem-12158	78	65	of	of	ADP
fbem-12158	78	66	this	this	DET
fbem-12158	78	67	ratio	ratio	NOUN
fbem-12158	78	68	is	be	AUX
fbem-12158	78	69	positively	positively	ADV
fbem-12158	78	70	correlated	correlate	VERB
fbem-12158	78	71	with	with	ADP
fbem-12158	78	72	the	the	DET
fbem-12158	78	73	profitability	profitability	NOUN
fbem-12158	78	74	of	of	ADP
fbem-12158	78	75	commercial	commercial	ADJ
fbem-12158	78	76	banks	bank	NOUN
fbem-12158	78	77	,	,	PUNCT
fbem-12158	78	78	and	and	CCONJ
fbem-12158	78	79	can	can	AUX
fbem-12158	78	80	be	be	AUX
fbem-12158	78	81	used	use	VERB
fbem-12158	78	82	to	to	PART
fbem-12158	78	83	reflect	reflect	VERB
fbem-12158	78	84	the	the	DET
fbem-12158	78	85	operating	operating	NOUN
fbem-12158	78	86	ability	ability	NOUN
fbem-12158	78	87	of	of	ADP
fbem-12158	78	88	bank	bank	NOUN
fbem-12158	78	89	management	management	NOUN
fbem-12158	78	90	and	and	CCONJ
fbem-12158	78	91	the	the	DET
fbem-12158	78	92	ability	ability	NOUN
fbem-12158	78	93	of	of	ADP
fbem-12158	78	94	commercial	commercial	ADJ
fbem-12158	78	95	banks	bank	NOUN
fbem-12158	78	96	to	to	PART
fbem-12158	78	97	use	use	VERB
fbem-12158	78	98	their	their	PRON
fbem-12158	78	99	total	total	ADJ
fbem-12158	78	100	assets	asset	NOUN
fbem-12158	78	101	to	to	PART
fbem-12158	78	102	obtain	obtain	VERB
fbem-12158	78	103	operating	operating	NOUN
fbem-12158	78	104	profits	profit	NOUN
fbem-12158	78	105	.	.	PUNCT
fbem-12158	79	1	explanatory	explanatory	ADJ
fbem-12158	79	2	variables	variable	NOUN
fbem-12158	79	3	:	:	PUNCT
fbem-12158	79	4	this	this	DET
fbem-12158	79	5	paper	paper	NOUN
fbem-12158	79	6	takes	take	VERB
fbem-12158	79	7	the	the	DET
fbem-12158	79	8	actual	actual	ADJ
fbem-12158	79	9	effective	effective	ADJ
fbem-12158	79	10	exchange	exchange	NOUN
fbem-12158	79	11	rate	rate	NOUN
fbem-12158	79	12	of	of	ADP
fbem-12158	79	13	rmb	rmb	NOUN
fbem-12158	79	14	as	as	ADP
fbem-12158	79	15	a	a	DET
fbem-12158	79	16	variable	variable	NOUN
fbem-12158	79	17	and	and	CCONJ
fbem-12158	79	18	is	be	AUX
fbem-12158	79	19	represented	represent	VERB
fbem-12158	79	20	by	by	ADP
fbem-12158	79	21	reer	reer	NOUN
fbem-12158	79	22	.	.	PUNCT
fbem-12158	80	1	real	real	ADJ
fbem-12158	80	2	effective	effective	ADJ
fbem-12158	80	3	exchange	exchange	NOUN
fbem-12158	80	4	rate	rate	NOUN
fbem-12158	80	5	is	be	AUX
fbem-12158	80	6	based	base	VERB
fbem-12158	80	7	on	on	ADP
fbem-12158	80	8	the	the	DET
fbem-12158	80	9	nominal	nominal	ADJ
fbem-12158	80	10	effective	effective	ADJ
fbem-12158	80	11	exchange	exchange	NOUN
fbem-12158	80	12	rate	rate	NOUN
fbem-12158	80	13	,	,	PUNCT
fbem-12158	80	14	the	the	DET
fbem-12158	80	15	exchange	exchange	NOUN
fbem-12158	80	16	rate	rate	NOUN
fbem-12158	80	17	index	index	NOUN
fbem-12158	80	18	adjusted	adjust	VERB
fbem-12158	80	19	by	by	ADP
fbem-12158	80	20	the	the	DET
fbem-12158	80	21	price	price	NOUN
fbem-12158	80	22	level	level	NOUN
fbem-12158	80	23	of	of	ADP
fbem-12158	80	24	trading	trading	NOUN
fbem-12158	80	25	partners	partner	NOUN
fbem-12158	80	26	,	,	PUNCT
fbem-12158	80	27	is	be	AUX
fbem-12158	80	28	also	also	ADV
fbem-12158	80	29	the	the	DET
fbem-12158	80	30	calculated	calculate	VERB
fbem-12158	80	31	weighted	weight	VERB
fbem-12158	80	32	average	average	ADJ
fbem-12158	80	33	,	,	PUNCT
fbem-12158	80	34	in	in	ADP
fbem-12158	80	35	the	the	DET
fbem-12158	80	36	calculation	calculation	NOUN
fbem-12158	80	37	of	of	ADP
fbem-12158	80	38	the	the	DET
fbem-12158	80	39	real	real	ADJ
fbem-12158	80	40	effective	effective	ADJ
fbem-12158	80	41	exchange	exchange	NOUN
fbem-12158	80	42	rate	rate	NOUN
fbem-12158	80	43	,	,	PUNCT
fbem-12158	80	44	measuring	measure	VERB
fbem-12158	80	45	the	the	DET
fbem-12158	80	46	weight	weight	NOUN
fbem-12158	80	47	of	of	ADP
fbem-12158	80	48	the	the	DET
fbem-12158	80	49	currency	currency	NOUN
fbem-12158	80	50	is	be	AUX
fbem-12158	80	51	the	the	DET
fbem-12158	80	52	most	most	ADV
fbem-12158	80	53	complex	complex	ADJ
fbem-12158	80	54	and	and	CCONJ
fbem-12158	80	55	important	important	ADJ
fbem-12158	80	56	step	step	NOUN
fbem-12158	80	57	,	,	PUNCT
fbem-12158	80	58	the	the	DET
fbem-12158	80	59	rise	rise	NOUN
fbem-12158	80	60	in	in	ADP
fbem-12158	80	61	the	the	DET
fbem-12158	80	62	real	real	ADJ
fbem-12158	80	63	effective	effective	ADJ
fbem-12158	80	64	exchange	exchange	NOUN
fbem-12158	80	65	rate	rate	NOUN
fbem-12158	80	66	indicates	indicate	VERB
fbem-12158	80	67	that	that	SCONJ
fbem-12158	80	68	the	the	DET
fbem-12158	80	69	local	local	ADJ
fbem-12158	80	70	currency	currency	NOUN
fbem-12158	80	71	appreciates	appreciate	VERB
fbem-12158	80	72	against	against	ADP
fbem-12158	80	73	the	the	DET
fbem-12158	80	74	weighted	weighted	ADJ
fbem-12158	80	75	currency	currency	NOUN
fbem-12158	80	76	,	,	PUNCT
fbem-12158	80	77	and	and	CCONJ
fbem-12158	80	78	the	the	DET
fbem-12158	80	79	decline	decline	NOUN
fbem-12158	80	80	in	in	ADP
fbem-12158	80	81	the	the	DET
fbem-12158	80	82	real	real	ADJ
fbem-12158	80	83	effective	effective	ADJ
fbem-12158	80	84	exchange	exchange	NOUN
fbem-12158	80	85	rate	rate	NOUN
fbem-12158	80	86	indicates	indicate	VERB
fbem-12158	80	87	that	that	SCONJ
fbem-12158	80	88	the	the	DET
fbem-12158	80	89	currency	currency	NOUN
fbem-12158	80	90	depreciates	depreciate	VERB
fbem-12158	80	91	against	against	ADP
fbem-12158	80	92	the	the	DET
fbem-12158	80	93	weighted	weighted	ADJ
fbem-12158	80	94	currency	currency	NOUN
fbem-12158	80	95	,	,	PUNCT
fbem-12158	80	96	which	which	PRON
fbem-12158	80	97	in	in	ADP
fbem-12158	80	98	turn	turn	NOUN
fbem-12158	80	99	affects	affect	VERB
fbem-12158	80	100	the	the	DET
fbem-12158	80	101	market	market	NOUN
fbem-12158	80	102	competitiveness	competitiveness	NOUN
fbem-12158	80	103	of	of	ADP
fbem-12158	80	104	domestic	domestic	ADJ
fbem-12158	80	105	commodities	commodity	NOUN
fbem-12158	80	106	and	and	CCONJ
fbem-12158	80	107	affects	affect	VERB
fbem-12158	80	108	domestic	domestic	ADJ
fbem-12158	80	109	export	export	NOUN
fbem-12158	80	110	trade	trade	NOUN
fbem-12158	80	111	.	.	PUNCT
fbem-12158	81	1	the	the	DET
fbem-12158	81	2	income	income	NOUN
fbem-12158	81	3	diversification	diversification	NOUN
fbem-12158	81	4	index	index	NOUN
fbem-12158	81	5	is	be	AUX
fbem-12158	81	6	constructed	construct	VERB
fbem-12158	81	7	using	use	VERB
fbem-12158	81	8	the	the	DET
fbem-12158	81	9	herfindhal	herfindhal	ADJ
fbem-12158	81	10	index	index	NOUN
fbem-12158	81	11	,	,	PUNCT
fbem-12158	81	12	where	where	SCONJ
fbem-12158	81	13	the	the	DET
fbem-12158	81	14	herfindhal	herfindhal	ADJ
fbem-12158	81	15	index	index	NOUN
fbem-12158	81	16	measures	measure	VERB
fbem-12158	81	17	the	the	DET
fbem-12158	81	18	concentration	concentration	NOUN
fbem-12158	81	19	of	of	ADP
fbem-12158	81	20	industries	industry	NOUN
fbem-12158	81	21	and	and	CCONJ
fbem-12158	81	22	reflects	reflect	VERB
fbem-12158	81	23	the	the	DET
fbem-12158	81	24	diversity	diversity	NOUN
fbem-12158	81	25	of	of	ADP
fbem-12158	81	26	the	the	DET
fbem-12158	81	27	bank	bank	NOUN
fbem-12158	81	28	's	's	PART
fbem-12158	81	29	income	income	NOUN
fbem-12158	81	30	structure	structure	NOUN
fbem-12158	81	31	.	.	PUNCT
fbem-12158	82	1	subdividing	subdivide	VERB
fbem-12158	82	2	non	non	ADJ
fbem-12158	82	3	-	-	ADJ
fbem-12158	82	4	interest	interest	ADJ
fbem-12158	82	5	income	income	NOUN
fbem-12158	82	6	,	,	PUNCT
fbem-12158	82	7	including	include	VERB
fbem-12158	82	8	fee	fee	NOUN
fbem-12158	82	9	and	and	CCONJ
fbem-12158	82	10	commission	commission	NOUN
fbem-12158	82	11	income	income	NOUN
fbem-12158	82	12	and	and	CCONJ
fbem-12158	82	13	other	other	ADJ
fbem-12158	82	14	non	non	ADJ
fbem-12158	82	15	-	-	ADJ
fbem-12158	82	16	interest	interest	ADJ
fbem-12158	82	17	income	income	NOUN
fbem-12158	82	18	,	,	PUNCT
fbem-12158	82	19	can	can	AUX
fbem-12158	82	20	reflect	reflect	VERB
fbem-12158	82	21	the	the	DET
fbem-12158	82	22	income	income	NOUN
fbem-12158	82	23	structure	structure	NOUN
fbem-12158	82	24	of	of	ADP
fbem-12158	82	25	banks	bank	NOUN
fbem-12158	82	26	,	,	PUNCT
fbem-12158	82	27	and	and	CCONJ
fbem-12158	82	28	facilitate	facilitate	VERB
fbem-12158	82	29	the	the	DET
fbem-12158	82	30	exploration	exploration	NOUN
fbem-12158	82	31	of	of	ADP
fbem-12158	82	32	specific	specific	ADJ
fbem-12158	82	33	types	type	NOUN
fbem-12158	82	34	of	of	ADP
fbem-12158	82	35	business	business	NOUN
fbem-12158	82	36	that	that	PRON
fbem-12158	82	37	will	will	AUX
fbem-12158	82	38	bring	bring	VERB
fbem-12158	82	39	profits	profit	NOUN
fbem-12158	82	40	to	to	ADP
fbem-12158	82	41	commercial	commercial	ADJ
fbem-12158	82	42	banks	bank	NOUN
fbem-12158	82	43	,	,	PUNCT
fbem-12158	82	44	so	so	SCONJ
fbem-12158	82	45	that	that	SCONJ
fbem-12158	82	46	various	various	ADJ
fbem-12158	82	47	types	type	NOUN
fbem-12158	82	48	of	of	ADP
fbem-12158	82	49	banks	bank	NOUN
fbem-12158	82	50	can	can	AUX
fbem-12158	82	51	give	give	VERB
fbem-12158	82	52	full	full	ADJ
fbem-12158	82	53	play	play	NOUN
fbem-12158	82	54	to	to	ADP
fbem-12158	82	55	their	their	PRON
fbem-12158	82	56	respective	respective	ADJ
fbem-12158	82	57	advantages	advantage	NOUN
fbem-12158	82	58	,	,	PUNCT
fbem-12158	82	59	adjust	adjust	VERB
fbem-12158	82	60	marketing	marketing	NOUN
fbem-12158	82	61	strategies	strategy	NOUN
fbem-12158	82	62	,	,	PUNCT
fbem-12158	82	63	and	and	CCONJ
fbem-12158	82	64	improve	improve	VERB
fbem-12158	82	65	their	their	PRON
fbem-12158	82	66	comprehensive	comprehensive	ADJ
fbem-12158	82	67	competitiveness	competitiveness	NOUN
fbem-12158	82	68	.	.	PUNCT
fbem-12158	83	1	the	the	DET
fbem-12158	83	2	revenue	revenue	NOUN
fbem-12158	83	3	diversification	diversification	NOUN
fbem-12158	83	4	index	index	NOUN
fbem-12158	83	5	(	(	PUNCT
fbem-12158	83	6	div	div	PROPN
fbem-12158	83	7	)	)	PUNCT
fbem-12158	83	8	is	be	AUX
fbem-12158	83	9	constructed	construct	VERB
fbem-12158	83	10	from	from	ADP
fbem-12158	83	11	net	net	ADJ
fbem-12158	83	12	interest	interest	NOUN
fbem-12158	83	13	income	income	NOUN
fbem-12158	83	14	as	as	ADP
fbem-12158	83	15	a	a	DET
fbem-12158	83	16	percentage	percentage	NOUN
fbem-12158	83	17	of	of	ADP
fbem-12158	83	18	operating	operate	VERB
fbem-12158	83	19	income	income	NOUN
fbem-12158	83	20	(	(	PUNCT
fbem-12158	83	21	net	net	NOUN
fbem-12158	83	22	)	)	PUNCT
fbem-12158	83	23	,	,	PUNCT
fbem-12158	83	24	fee	fee	NOUN
fbem-12158	83	25	and	and	CCONJ
fbem-12158	83	26	commission	commission	NOUN
fbem-12158	83	27	income	income	NOUN
fbem-12158	83	28	as	as	ADP
fbem-12158	83	29	a	a	DET
fbem-12158	83	30	percentage	percentage	NOUN
fbem-12158	83	31	of	of	ADP
fbem-12158	83	32	operating	operate	VERB
fbem-12158	83	33	income	income	NOUN
fbem-12158	83	34	(	(	PUNCT
fbem-12158	83	35	oni	oni	NOUN
fbem-12158	83	36	)	)	PUNCT
fbem-12158	83	37	and	and	CCONJ
fbem-12158	83	38	other	other	ADJ
fbem-12158	83	39	non	non	ADJ
fbem-12158	83	40	-	-	ADJ
fbem-12158	83	41	interest	interest	ADJ
fbem-12158	83	42	income	income	NOUN
fbem-12158	83	43	as	as	ADP
fbem-12158	83	44	a	a	DET
fbem-12158	83	45	percentage	percentage	NOUN
fbem-12158	83	46	of	of	ADP
fbem-12158	83	47	operating	operate	VERB
fbem-12158	83	48	income	income	NOUN
fbem-12158	83	49	(	(	PUNCT
fbem-12158	83	50	nfc	nfc	NOUN
fbem-12158	83	51	)	)	PUNCT
fbem-12158	83	52	,	,	PUNCT
fbem-12158	83	53	and	and	CCONJ
fbem-12158	83	54	the	the	DET
fbem-12158	83	55	size	size	NOUN
fbem-12158	83	56	of	of	ADP
fbem-12158	83	57	the	the	DET
fbem-12158	83	58	div	div	NOUN
fbem-12158	83	59	value	value	NOUN
fbem-12158	83	60	is	be	AUX
fbem-12158	83	61	positively	positively	ADV
fbem-12158	83	62	proportional	proportional	ADJ
fbem-12158	83	63	to	to	ADP
fbem-12158	83	64	the	the	DET
fbem-12158	83	65	degree	degree	NOUN
fbem-12158	83	66	of	of	ADP
fbem-12158	83	67	diversification	diversification	NOUN
fbem-12158	83	68	of	of	ADP
fbem-12158	83	69	the	the	DET
fbem-12158	83	70	bank	bank	NOUN
fbem-12158	83	71	.	.	PUNCT
fbem-12158	84	1	div	div	PROPN
fbem-12158	84	2	is	be	AUX
fbem-12158	84	3	built	build	VERB
fbem-12158	84	4	as	as	SCONJ
fbem-12158	84	5	follows	follow	VERB
fbem-12158	84	6	:	:	PUNCT
fbem-12158	84	7	div	div	X
fbem-12158	84	8	=	=	NOUN
fbem-12158	84	9	1	1	NUM
fbem-12158	84	10	(	(	PUNCT
fbem-12158	84	11	+	+	CCONJ
fbem-12158	84	12	+	+	X
fbem-12158	84	13	)	)	PUNCT
fbem-12158	84	14	net	net	ADJ
fbem-12158	84	15	interest	interest	NOUN
fbem-12158	84	16	margin	margin	NOUN
fbem-12158	84	17	(	(	PUNCT
fbem-12158	84	18	nim	nim	NOUN
fbem-12158	84	19	)	)	PUNCT
fbem-12158	84	20	refers	refer	VERB
fbem-12158	84	21	to	to	ADP
fbem-12158	84	22	the	the	DET
fbem-12158	84	23	ratio	ratio	NOUN
fbem-12158	84	24	of	of	ADP
fbem-12158	84	25	net	net	ADJ
fbem-12158	84	26	interest	interest	NOUN
fbem-12158	84	27	income	income	NOUN
fbem-12158	84	28	to	to	ADP
fbem-12158	84	29	all	all	DET
fbem-12158	84	30	interest	interest	NOUN
fbem-12158	84	31	-	-	PUNCT
fbem-12158	84	32	bearing	bear	VERB
fbem-12158	84	33	assets	asset	NOUN
fbem-12158	84	34	,	,	PUNCT
fbem-12158	84	35	reflecting	reflect	VERB
fbem-12158	84	36	the	the	DET
fbem-12158	84	37	impact	impact	NOUN
fbem-12158	84	38	of	of	ADP
fbem-12158	84	39	commercial	commercial	ADJ
fbem-12158	84	40	banks	bank	NOUN
fbem-12158	84	41	'	'	PART
fbem-12158	84	42	traditional	traditional	ADJ
fbem-12158	84	43	deposit	deposit	NOUN
fbem-12158	84	44	and	and	CCONJ
fbem-12158	84	45	loan	loan	NOUN
fbem-12158	84	46	business	business	NOUN
fbem-12158	84	47	on	on	ADP
fbem-12158	84	48	their	their	PRON
fbem-12158	84	49	profitability	profitability	NOUN
fbem-12158	84	50	.	.	PUNCT
fbem-12158	85	1	the	the	DET
fbem-12158	85	2	proportion	proportion	NOUN
fbem-12158	85	3	of	of	ADP
fbem-12158	85	4	non	non	ADJ
fbem-12158	85	5	-	-	ADJ
fbem-12158	85	6	interest	interest	ADJ
fbem-12158	85	7	income	income	NOUN
fbem-12158	85	8	(	(	PUNCT
fbem-12158	85	9	niir	niir	PROPN
fbem-12158	85	10	)	)	PUNCT
fbem-12158	85	11	refers	refer	VERB
fbem-12158	85	12	to	to	ADP
fbem-12158	85	13	the	the	DET
fbem-12158	85	14	ratio	ratio	NOUN
fbem-12158	85	15	of	of	ADP
fbem-12158	85	16	commercial	commercial	ADJ
fbem-12158	85	17	banks	bank	NOUN
fbem-12158	85	18	'	'	PART
fbem-12158	85	19	income	income	NOUN
fbem-12158	85	20	to	to	ADP
fbem-12158	85	21	operating	operate	VERB
fbem-12158	85	22	income	income	NOUN
fbem-12158	85	23	other	other	ADJ
fbem-12158	85	24	than	than	ADP
fbem-12158	85	25	traditional	traditional	ADJ
fbem-12158	85	26	deposit	deposit	NOUN
fbem-12158	85	27	and	and	CCONJ
fbem-12158	85	28	loan	loan	NOUN
fbem-12158	85	29	business	business	NOUN
fbem-12158	85	30	,	,	PUNCT
fbem-12158	85	31	reflecting	reflect	VERB
fbem-12158	85	32	the	the	DET
fbem-12158	85	33	impact	impact	NOUN
fbem-12158	85	34	of	of	ADP
fbem-12158	85	35	non	non	ADJ
fbem-12158	85	36	-	-	ADJ
fbem-12158	85	37	interest	interest	ADJ
fbem-12158	85	38	income	income	NOUN
fbem-12158	85	39	on	on	ADP
fbem-12158	85	40	the	the	DET
fbem-12158	85	41	profitability	profitability	NOUN
fbem-12158	85	42	of	of	ADP
fbem-12158	85	43	commercial	commercial	ADJ
fbem-12158	85	44	banks	bank	NOUN
fbem-12158	85	45	.	.	PUNCT
fbem-12158	86	1	31	31	NUM
fbem-12158	86	2	table	table	NOUN
fbem-12158	86	3	1	1	NUM
fbem-12158	86	4	.	.	PUNCT
fbem-12158	86	5	list	list	NOUN
fbem-12158	86	6	of	of	ADP
fbem-12158	86	7	variables	variable	NOUN
fbem-12158	86	8	variables	variable	VERB
fbem-12158	86	9	the	the	DET
fbem-12158	86	10	variable	variable	ADJ
fbem-12158	86	11	name	name	NOUN
fbem-12158	86	12	variable	variable	ADJ
fbem-12158	86	13	definitions	definition	VERB
fbem-12158	86	14	the	the	DET
fbem-12158	86	15	variable	variable	NOUN
fbem-12158	86	16	being	be	AUX
fbem-12158	86	17	explained	explain	VERB
fbem-12158	86	18	return	return	NOUN
fbem-12158	86	19	on	on	ADP
fbem-12158	86	20	total	total	ADJ
fbem-12158	86	21	assets	asset	NOUN
fbem-12158	86	22	roa	roa	PROPN
fbem-12158	86	23	net	net	ADJ
fbem-12158	86	24	profit	profit	NOUN
fbem-12158	86	25	/	/	SYM
fbem-12158	86	26	average	average	ADJ
fbem-12158	86	27	total	total	ADJ
fbem-12158	86	28	assets	asset	NOUN
fbem-12158	86	29	explanatory	explanatory	ADJ
fbem-12158	86	30	variables	variable	VERB
fbem-12158	86	31	real	real	ADJ
fbem-12158	86	32	effective	effective	ADJ
fbem-12158	86	33	exchange	exchange	NOUN
fbem-12158	86	34	rate	rate	NOUN
fbem-12158	86	35	reer	reer	PROPN
fbem-12158	86	36	diversification	diversification	NOUN
fbem-12158	86	37	index	index	NOUN
fbem-12158	86	38	div	div	X
fbem-12158	86	39	div	div	NOUN
fbem-12158	86	40	=	=	NOUN
fbem-12158	86	41	1	1	NUM
fbem-12158	86	42	(	(	PUNCT
fbem-12158	86	43	+	+	CCONJ
fbem-12158	86	44	+	+	X
fbem-12158	86	45	)	)	PUNCT
fbem-12158	86	46	net	net	ADJ
fbem-12158	86	47	interest	interest	NOUN
fbem-12158	86	48	margin	margin	NOUN
fbem-12158	86	49	nim	nim	PROPN
fbem-12158	86	50	net	net	ADJ
fbem-12158	86	51	interest	interest	NOUN
fbem-12158	86	52	income	income	NOUN
fbem-12158	86	53	/	/	SYM
fbem-12158	86	54	total	total	ADJ
fbem-12158	86	55	interestbearing	interestbeare	VERB
fbem-12158	86	56	assets	asset	NOUN
fbem-12158	86	57	percentage	percentage	NOUN
fbem-12158	86	58	of	of	ADP
fbem-12158	86	59	fee	fee	NOUN
fbem-12158	86	60	and	and	CCONJ
fbem-12158	86	61	commission	commission	NOUN
fbem-12158	86	62	income	income	NOUN
fbem-12158	86	63	oni	oni	PROPN
fbem-12158	86	64	fee	fee	PROPN
fbem-12158	86	65	and	and	CCONJ
fbem-12158	86	66	commission	commission	NOUN
fbem-12158	86	67	income	income	NOUN
fbem-12158	86	68	/	/	SYM
fbem-12158	86	69	operating	operate	VERB
fbem-12158	86	70	income	income	NOUN
fbem-12158	86	71	proportion	proportion	NOUN
fbem-12158	86	72	of	of	ADP
fbem-12158	86	73	other	other	ADJ
fbem-12158	86	74	non	non	ADJ
fbem-12158	86	75	-	-	ADJ
fbem-12158	86	76	interest	interest	ADJ
fbem-12158	86	77	income	income	NOUN
fbem-12158	86	78	nfc	nfc	NOUN
fbem-12158	86	79	other	other	ADJ
fbem-12158	86	80	non	non	ADJ
fbem-12158	86	81	-	-	ADJ
fbem-12158	86	82	interest	interest	ADJ
fbem-12158	86	83	income	income	NOUN
fbem-12158	86	84	/	/	SYM
fbem-12158	86	85	operating	operate	VERB
fbem-12158	86	86	income	income	NOUN
fbem-12158	86	87	3.3	3.3	NUM
fbem-12158	86	88	.	.	PUNCT
fbem-12158	87	1	sample	sample	NOUN
fbem-12158	87	2	selection	selection	NOUN
fbem-12158	87	3	and	and	CCONJ
fbem-12158	87	4	data	datum	NOUN
fbem-12158	87	5	collation	collation	NOUN
fbem-12158	87	6	this	this	DET
fbem-12158	87	7	paper	paper	NOUN
fbem-12158	87	8	is	be	AUX
fbem-12158	87	9	limited	limit	VERB
fbem-12158	87	10	by	by	ADP
fbem-12158	87	11	the	the	DET
fbem-12158	87	12	availability	availability	NOUN
fbem-12158	87	13	and	and	CCONJ
fbem-12158	87	14	reliability	reliability	NOUN
fbem-12158	87	15	of	of	ADP
fbem-12158	87	16	relevant	relevant	ADJ
fbem-12158	87	17	analysis	analysis	NOUN
fbem-12158	87	18	data	datum	NOUN
fbem-12158	87	19	,	,	PUNCT
fbem-12158	87	20	so	so	ADV
fbem-12158	87	21	10	10	NUM
fbem-12158	87	22	listed	list	VERB
fbem-12158	87	23	commercial	commercial	ADJ
fbem-12158	87	24	banks	bank	NOUN
fbem-12158	87	25	were	be	AUX
fbem-12158	87	26	selected	select	VERB
fbem-12158	87	27	,	,	PUNCT
fbem-12158	87	28	of	of	ADP
fbem-12158	87	29	which	which	PRON
fbem-12158	87	30	5	5	NUM
fbem-12158	87	31	are	be	AUX
fbem-12158	87	32	state	state	NOUN
fbem-12158	87	33	-	-	PUNCT
fbem-12158	87	34	controlled	control	VERB
fbem-12158	87	35	commercial	commercial	ADJ
fbem-12158	87	36	banks	bank	NOUN
fbem-12158	87	37	:	:	PUNCT
fbem-12158	87	38	icbc	icbc	PROPN
fbem-12158	87	39	,	,	PUNCT
fbem-12158	87	40	abc	abc	PROPN
fbem-12158	87	41	,	,	PUNCT
fbem-12158	87	42	boc	boc	NOUN
fbem-12158	87	43	,	,	PUNCT
fbem-12158	87	44	ccb	ccb	PROPN
fbem-12158	87	45	and	and	CCONJ
fbem-12158	87	46	bocom	bocom	PROPN
fbem-12158	87	47	;	;	PUNCT
fbem-12158	87	48	there	there	PRON
fbem-12158	87	49	are	be	VERB
fbem-12158	87	50	also	also	ADV
fbem-12158	87	51	5	5	NUM
fbem-12158	87	52	jointstock	jointstock	NOUN
fbem-12158	87	53	commercial	commercial	ADJ
fbem-12158	87	54	banks	bank	NOUN
fbem-12158	87	55	:	:	PUNCT
fbem-12158	87	56	china	china	PROPN
fbem-12158	87	57	merchants	merchant	NOUN
fbem-12158	87	58	,	,	PUNCT
fbem-12158	87	59	shanghai	shanghai	PROPN
fbem-12158	87	60	pudong	pudong	PROPN
fbem-12158	87	61	development	development	PROPN
fbem-12158	87	62	bank	bank	PROPN
fbem-12158	87	63	,	,	PUNCT
fbem-12158	87	64	citic	citic	PROPN
fbem-12158	87	65	,	,	PUNCT
fbem-12158	87	66	everbright	everbright	ADJ
fbem-12158	87	67	and	and	CCONJ
fbem-12158	87	68	huaxia	huaxia	PROPN
fbem-12158	87	69	bank	bank	NOUN
fbem-12158	87	70	.	.	PUNCT
fbem-12158	88	1	in	in	ADP
fbem-12158	88	2	order	order	NOUN
fbem-12158	88	3	to	to	PART
fbem-12158	88	4	ensure	ensure	VERB
fbem-12158	88	5	the	the	DET
fbem-12158	88	6	validity	validity	NOUN
fbem-12158	88	7	of	of	ADP
fbem-12158	88	8	the	the	DET
fbem-12158	88	9	data	datum	NOUN
fbem-12158	88	10	and	and	CCONJ
fbem-12158	88	11	results	result	NOUN
fbem-12158	88	12	,	,	PUNCT
fbem-12158	88	13	monthly	monthly	ADJ
fbem-12158	88	14	data	datum	NOUN
fbem-12158	88	15	from	from	ADP
fbem-12158	88	16	2011	2011	NUM
fbem-12158	88	17	to	to	ADP
fbem-12158	88	18	2021	2021	NUM
fbem-12158	88	19	were	be	AUX
fbem-12158	88	20	selected	select	VERB
fbem-12158	88	21	for	for	ADP
fbem-12158	88	22	analysis	analysis	NOUN
fbem-12158	88	23	and	and	CCONJ
fbem-12158	88	24	research	research	NOUN
fbem-12158	88	25	,	,	PUNCT
fbem-12158	88	26	including	include	VERB
fbem-12158	88	27	a	a	DET
fbem-12158	88	28	total	total	NOUN
fbem-12158	88	29	of	of	ADP
fbem-12158	88	30	440	440	NUM
fbem-12158	88	31	data	data	NOUN
fbem-12158	88	32	sets	set	NOUN
fbem-12158	88	33	.	.	PUNCT
fbem-12158	89	1	the	the	DET
fbem-12158	89	2	raw	raw	ADJ
fbem-12158	89	3	data	datum	NOUN
fbem-12158	89	4	of	of	ADP
fbem-12158	89	5	these	these	DET
fbem-12158	89	6	10	10	NUM
fbem-12158	89	7	listed	list	VERB
fbem-12158	89	8	banks	bank	NOUN
fbem-12158	89	9	is	be	AUX
fbem-12158	89	10	mainly	mainly	ADV
fbem-12158	89	11	derived	derive	VERB
fbem-12158	89	12	from	from	ADP
fbem-12158	89	13	the	the	DET
fbem-12158	89	14	annual	annual	ADJ
fbem-12158	89	15	reports	report	NOUN
fbem-12158	89	16	of	of	ADP
fbem-12158	89	17	each	each	DET
fbem-12158	89	18	bank	bank	NOUN
fbem-12158	89	19	.	.	PUNCT
fbem-12158	90	1	3.4	3.4	NUM
fbem-12158	90	2	.	.	PUNCT
fbem-12158	90	3	model	model	NOUN
fbem-12158	90	4	building	building	NOUN
fbem-12158	90	5	based	base	VERB
fbem-12158	90	6	on	on	ADP
fbem-12158	90	7	the	the	DET
fbem-12158	90	8	assumptions	assumption	NOUN
fbem-12158	90	9	made	make	VERB
fbem-12158	90	10	above	above	ADV
fbem-12158	90	11	,	,	PUNCT
fbem-12158	90	12	the	the	DET
fbem-12158	90	13	following	follow	VERB
fbem-12158	90	14	regression	regression	NOUN
fbem-12158	90	15	model	model	NOUN
fbem-12158	90	16	is	be	AUX
fbem-12158	90	17	established	establish	VERB
fbem-12158	90	18	:	:	PUNCT
fbem-12158	90	19	div	div	X
fbem-12158	90	20	=	=	PRON
fbem-12158	90	21	c+	c+	VERB
fbem-12158	90	22	reer+	reer+	PRON
fbem-12158	90	23	nim+	nim+	NOUN
fbem-12158	90	24	(	(	PUNCT
fbem-12158	90	25	1	1	X
fbem-12158	90	26	)	)	PUNCT
fbem-12158	90	27	roa	roa	NOUN
fbem-12158	90	28	=	=	PRON
fbem-12158	90	29	c+	c+	VERB
fbem-12158	90	30	reer+	reer+	X
fbem-12158	90	31	nim+	nim+	ADJ
fbem-12158	90	32	oni+	oni+	NOUN
fbem-12158	90	33	nfc+	nfc+	ADJ
fbem-12158	90	34	div+	div+	NOUN
fbem-12158	90	35	(	(	PUNCT
fbem-12158	90	36	2	2	NUM
fbem-12158	90	37	)	)	PUNCT
fbem-12158	90	38	4	4	NUM
fbem-12158	90	39	.	.	PUNCT
fbem-12158	91	1	analysis	analysis	NOUN
fbem-12158	91	2	of	of	ADP
fbem-12158	91	3	empirical	empirical	ADJ
fbem-12158	91	4	results	result	NOUN
fbem-12158	91	5	4.1	4.1	NUM
fbem-12158	91	6	.	.	PUNCT
fbem-12158	92	1	descriptive	descriptive	ADJ
fbem-12158	92	2	statistics	statistic	NOUN
fbem-12158	92	3	of	of	ADP
fbem-12158	92	4	variables	variable	NOUN
fbem-12158	92	5	table	table	NOUN
fbem-12158	92	6	2	2	NUM
fbem-12158	92	7	.	.	PUNCT
fbem-12158	92	8	sample	sample	NOUN
fbem-12158	92	9	variable	variable	ADJ
fbem-12158	92	10	descriptive	descriptive	ADJ
fbem-12158	92	11	statistics	statistic	NOUN
fbem-12158	92	12	variable	variable	NOUN
fbem-12158	92	13	n	n	PRON
fbem-12158	92	14	mean	mean	VERB
fbem-12158	92	15	p50	p50	NOUN
fbem-12158	92	16	sd	sd	NOUN
fbem-12158	92	17	min	min	PROPN
fbem-12158	92	18	max	max	PROPN
fbem-12158	92	19	roa	roa	PROPN
fbem-12158	92	20	440	440	NUM
fbem-12158	92	21	0.260	0.260	NUM
fbem-12158	92	22	0.260	0.260	NUM
fbem-12158	92	23	0.0680	0.0680	NUM
fbem-12158	92	24	0.110	0.110	NUM
fbem-12158	92	25	0.430	0.430	NUM
fbem-12158	92	26	reer	reer	NOUN
fbem-12158	92	27	440	440	NUM
fbem-12158	92	28	120.0	120.0	NUM
fbem-12158	92	29	121.9	121.9	NUM
fbem-12158	92	30	8.178	8.178	NUM
fbem-12158	92	31	99.83	99.83	NUM
fbem-12158	92	32	131	131	NUM
fbem-12158	92	33	nim	nim	PROPN
fbem-12158	92	34	440	440	NUM
fbem-12158	92	35	0.00600	0.00600	NUM
fbem-12158	93	1	0.00600	0.00600	NUM
fbem-12158	93	2	0.00100	0.00100	NUM
fbem-12158	93	3	0.00300	0.00300	NUM
fbem-12158	93	4	0.00900	0.00900	NUM
fbem-12158	93	5	oni	oni	NOUN
fbem-12158	93	6	440	440	NUM
fbem-12158	93	7	0.192	0.192	NUM
fbem-12158	93	8	0.188	0.188	NUM
fbem-12158	93	9	0.0650	0.0650	NUM
fbem-12158	93	10	-0.169	-0.169	PUNCT
fbem-12158	93	11	0.368	0.368	NUM
fbem-12158	93	12	nfc	nfc	NOUN
fbem-12158	93	13	440	440	NUM
fbem-12158	93	14	0.0660	0.0660	NUM
fbem-12158	93	15	0.0560	0.0560	NUM
fbem-12158	93	16	0.0560	0.0560	NUM
fbem-12158	93	17	-0.0840	-0.0840	NOUN
fbem-12158	93	18	0.300	0.300	NUM
fbem-12158	93	19	div	div	NOUN
fbem-12158	93	20	440	440	NUM
fbem-12158	93	21	0.393	0.393	NUM
fbem-12158	93	22	0.405	0.405	NUM
fbem-12158	93	23	0.111	0.111	NUM
fbem-12158	93	24	0.306	0.306	NUM
fbem-12158	93	25	0.599	0.599	NUM
fbem-12158	93	26	it	it	PRON
fbem-12158	93	27	can	can	AUX
fbem-12158	93	28	be	be	AUX
fbem-12158	93	29	seen	see	VERB
fbem-12158	93	30	from	from	ADP
fbem-12158	93	31	table	table	NOUN
fbem-12158	93	32	2	2	NUM
fbem-12158	93	33	that	that	SCONJ
fbem-12158	93	34	among	among	ADP
fbem-12158	93	35	the	the	DET
fbem-12158	93	36	10	10	NUM
fbem-12158	93	37	commercial	commercial	ADJ
fbem-12158	93	38	banks	bank	NOUN
fbem-12158	93	39	studied	study	VERB
fbem-12158	93	40	,	,	PUNCT
fbem-12158	93	41	the	the	DET
fbem-12158	93	42	maximum	maximum	ADJ
fbem-12158	93	43	return	return	NOUN
fbem-12158	93	44	on	on	ADP
fbem-12158	93	45	total	total	ADJ
fbem-12158	93	46	assets	asset	NOUN
fbem-12158	93	47	was	be	AUX
fbem-12158	93	48	0.43	0.43	NUM
fbem-12158	93	49	%	%	NOUN
fbem-12158	93	50	,	,	PUNCT
fbem-12158	93	51	the	the	DET
fbem-12158	93	52	smallest	small	ADJ
fbem-12158	93	53	was	be	AUX
fbem-12158	93	54	0.11	0.11	NUM
fbem-12158	93	55	%	%	NOUN
fbem-12158	93	56	,	,	PUNCT
fbem-12158	93	57	a	a	DET
fbem-12158	93	58	difference	difference	NOUN
fbem-12158	93	59	of	of	ADP
fbem-12158	93	60	almost	almost	ADV
fbem-12158	93	61	four	four	NUM
fbem-12158	93	62	times	time	NOUN
fbem-12158	93	63	,	,	PUNCT
fbem-12158	93	64	and	and	CCONJ
fbem-12158	93	65	the	the	DET
fbem-12158	93	66	diversification	diversification	NOUN
fbem-12158	93	67	index	index	NOUN
fbem-12158	93	68	was	be	AUX
fbem-12158	93	69	59.9	59.9	NUM
fbem-12158	93	70	%	%	NOUN
fbem-12158	93	71	and	and	CCONJ
fbem-12158	93	72	the	the	DET
fbem-12158	93	73	smallest	small	ADJ
fbem-12158	93	74	was	be	AUX
fbem-12158	93	75	30.6	30.6	NUM
fbem-12158	93	76	%	%	NOUN
fbem-12158	93	77	,	,	PUNCT
fbem-12158	93	78	which	which	PRON
fbem-12158	93	79	was	be	AUX
fbem-12158	93	80	a	a	DET
fbem-12158	93	81	big	big	ADJ
fbem-12158	93	82	difference	difference	NOUN
fbem-12158	93	83	,	,	PUNCT
fbem-12158	93	84	indicating	indicate	VERB
fbem-12158	93	85	that	that	SCONJ
fbem-12158	93	86	different	different	ADJ
fbem-12158	93	87	commercial	commercial	ADJ
fbem-12158	93	88	banks	bank	NOUN
fbem-12158	93	89	have	have	VERB
fbem-12158	93	90	different	different	ADJ
fbem-12158	93	91	degrees	degree	NOUN
fbem-12158	93	92	of	of	ADP
fbem-12158	93	93	diversification	diversification	NOUN
fbem-12158	93	94	and	and	CCONJ
fbem-12158	93	95	large	large	ADJ
fbem-12158	93	96	differences	difference	NOUN
fbem-12158	93	97	in	in	ADP
fbem-12158	93	98	income	income	NOUN
fbem-12158	93	99	structure	structure	NOUN
fbem-12158	93	100	.	.	PUNCT
fbem-12158	94	1	the	the	DET
fbem-12158	94	2	size	size	NOUN
fbem-12158	94	3	of	of	ADP
fbem-12158	94	4	noninterest	noninter	ADJ
fbem-12158	94	5	income	income	NOUN
fbem-12158	94	6	varies	vary	VERB
fbem-12158	94	7	greatly	greatly	ADV
fbem-12158	94	8	between	between	ADP
fbem-12158	94	9	banks	bank	NOUN
fbem-12158	94	10	,	,	PUNCT
fbem-12158	94	11	and	and	CCONJ
fbem-12158	94	12	it	it	PRON
fbem-12158	94	13	can	can	AUX
fbem-12158	94	14	be	be	AUX
fbem-12158	94	15	seen	see	VERB
fbem-12158	94	16	that	that	SCONJ
fbem-12158	94	17	the	the	DET
fbem-12158	94	18	significant	significant	ADJ
fbem-12158	94	19	proportion	proportion	NOUN
fbem-12158	94	20	of	of	ADP
fbem-12158	94	21	non	non	ADJ
fbem-12158	94	22	-	-	ADJ
fbem-12158	94	23	interest	interest	ADJ
fbem-12158	94	24	income	income	NOUN
fbem-12158	94	25	is	be	AUX
fbem-12158	94	26	fee	fee	NOUN
fbem-12158	94	27	and	and	CCONJ
fbem-12158	94	28	commission	commission	NOUN
fbem-12158	94	29	income	income	NOUN
fbem-12158	94	30	.	.	PUNCT
fbem-12158	95	1	4.2	4.2	NUM
fbem-12158	95	2	.	.	PUNCT
fbem-12158	95	3	model	model	NOUN
fbem-12158	95	4	regression	regression	NOUN
fbem-12158	95	5	results	result	NOUN
fbem-12158	95	6	before	before	ADP
fbem-12158	95	7	the	the	DET
fbem-12158	95	8	regression	regression	NOUN
fbem-12158	95	9	analysis	analysis	NOUN
fbem-12158	95	10	,	,	PUNCT
fbem-12158	95	11	this	this	DET
fbem-12158	95	12	paper	paper	NOUN
fbem-12158	95	13	first	first	ADV
fbem-12158	95	14	analyzes	analyze	VERB
fbem-12158	95	15	the	the	DET
fbem-12158	95	16	correlation	correlation	NOUN
fbem-12158	95	17	between	between	ADP
fbem-12158	95	18	the	the	DET
fbem-12158	95	19	variables	variable	NOUN
fbem-12158	95	20	,	,	PUNCT
fbem-12158	95	21	and	and	CCONJ
fbem-12158	95	22	roughly	roughly	ADV
fbem-12158	95	23	understands	understand	VERB
fbem-12158	95	24	the	the	DET
fbem-12158	95	25	correlation	correlation	NOUN
fbem-12158	95	26	relationship	relationship	NOUN
fbem-12158	95	27	between	between	ADP
fbem-12158	95	28	the	the	DET
fbem-12158	95	29	variables	variable	NOUN
fbem-12158	95	30	according	accord	VERB
fbem-12158	95	31	to	to	ADP
fbem-12158	95	32	the	the	DET
fbem-12158	95	33	calculated	calculate	VERB
fbem-12158	95	34	person	person	NOUN
fbem-12158	95	35	correlation	correlation	NOUN
fbem-12158	95	36	coefficient	coefficient	NOUN
fbem-12158	95	37	between	between	ADP
fbem-12158	95	38	the	the	DET
fbem-12158	95	39	main	main	ADJ
fbem-12158	95	40	variables	variable	NOUN
fbem-12158	95	41	,	,	PUNCT
fbem-12158	95	42	and	and	CCONJ
fbem-12158	95	43	the	the	DET
fbem-12158	95	44	results	result	NOUN
fbem-12158	95	45	are	be	AUX
fbem-12158	95	46	shown	show	VERB
fbem-12158	95	47	in	in	ADP
fbem-12158	95	48	table	table	NOUN
fbem-12158	95	49	3	3	NUM
fbem-12158	95	50	.	.	PUNCT
fbem-12158	95	51	table	table	NOUN
fbem-12158	95	52	3	3	NUM
fbem-12158	95	53	.	.	PUNCT
fbem-12158	95	54	correlation	correlation	NOUN
fbem-12158	95	55	analysis	analysis	NOUN
fbem-12158	95	56	roa	roa	PROPN
fbem-12158	95	57	reer	reer	PROPN
fbem-12158	95	58	nim	nim	PROPN
fbem-12158	95	59	oni	oni	PROPN
fbem-12158	96	1	nfc	nfc	NOUN
fbem-12158	96	2	div	div	PROPN
fbem-12158	96	3	roa	roa	PROPN
fbem-12158	96	4	1	1	NUM
fbem-12158	96	5	reer	reer	NOUN
fbem-12158	97	1	-0.370	-0.370	NUM
fbem-12158	98	1	*	*	PUNCT
fbem-12158	98	2	*	*	PUNCT
fbem-12158	98	3	*	*	PROPN
fbem-12158	98	4	1	1	NUM
fbem-12158	98	5	nim	nim	NOUN
fbem-12158	98	6	0.436	0.436	NUM
fbem-12158	98	7	*	*	PUNCT
fbem-12158	98	8	*	*	PUNCT
fbem-12158	98	9	*	*	PUNCT
fbem-12158	98	10	-0.439	-0.439	PUNCT
fbem-12158	98	11	*	*	PUNCT
fbem-12158	98	12	*	*	PUNCT
fbem-12158	98	13	*	*	PUNCT
fbem-12158	98	14	1	1	NUM
fbem-12158	98	15	oni	oni	NOUN
fbem-12158	98	16	0.140	0.140	NUM
fbem-12158	98	17	*	*	PUNCT
fbem-12158	98	18	*	*	PUNCT
fbem-12158	98	19	*	*	PUNCT
fbem-12158	98	20	0.180	0.180	NUM
fbem-12158	98	21	*	*	PUNCT
fbem-12158	98	22	*	*	PUNCT
fbem-12158	98	23	*	*	PUNCT
fbem-12158	98	24	-0.401	-0.401	PROPN
fbem-12158	99	1	*	*	PUNCT
fbem-12158	99	2	*	*	PUNCT
fbem-12158	99	3	*	*	PROPN
fbem-12158	99	4	1	1	NUM
fbem-12158	99	5	nfc	nfc	NOUN
fbem-12158	99	6	-0.113	-0.113	PROPN
fbem-12158	99	7	*	*	PUNCT
fbem-12158	100	1	*	*	PUNCT
fbem-12158	100	2	0.403	0.403	NUM
fbem-12158	100	3	*	*	PUNCT
fbem-12158	100	4	*	*	PUNCT
fbem-12158	100	5	*	*	PUNCT
fbem-12158	100	6	-0.536	-0.536	PUNCT
fbem-12158	100	7	*	*	PUNCT
fbem-12158	100	8	*	*	PUNCT
fbem-12158	100	9	*	*	PUNCT
fbem-12158	100	10	0.0280	0.0280	NUM
fbem-12158	100	11	1	1	NUM
fbem-12158	100	12	div	div	NOUN
fbem-12158	100	13	0.0500	0.0500	NUM
fbem-12158	100	14	*	*	NOUN
fbem-12158	100	15	*	*	NOUN
fbem-12158	100	16	0.377	0.377	NUM
fbem-12158	100	17	*	*	PUNCT
fbem-12158	100	18	*	*	PUNCT
fbem-12158	100	19	*	*	PUNCT
fbem-12158	100	20	-0.614	-0.614	PUNCT
fbem-12158	100	21	*	*	PUNCT
fbem-12158	100	22	*	*	PUNCT
fbem-12158	100	23	*	*	NOUN
fbem-12158	100	24	0.735	0.735	NUM
fbem-12158	100	25	*	*	PUNCT
fbem-12158	100	26	*	*	PUNCT
fbem-12158	100	27	*	*	PUNCT
fbem-12158	100	28	0.669	0.669	NUM
fbem-12158	100	29	*	*	PUNCT
fbem-12158	100	30	*	*	PUNCT
fbem-12158	100	31	*	*	SYM
fbem-12158	100	32	1	1	NUM
fbem-12158	100	33	as	as	SCONJ
fbem-12158	100	34	can	can	AUX
fbem-12158	100	35	be	be	AUX
fbem-12158	100	36	seen	see	VERB
fbem-12158	100	37	from	from	ADP
fbem-12158	100	38	table	table	NOUN
fbem-12158	100	39	3	3	NUM
fbem-12158	100	40	,	,	PUNCT
fbem-12158	100	41	the	the	DET
fbem-12158	100	42	correlation	correlation	NOUN
fbem-12158	100	43	between	between	ADP
fbem-12158	100	44	each	each	DET
fbem-12158	100	45	indicator	indicator	NOUN
fbem-12158	100	46	and	and	CCONJ
fbem-12158	100	47	individual	individual	ADJ
fbem-12158	100	48	stock	stock	NOUN
fbem-12158	100	49	market	market	NOUN
fbem-12158	100	50	earnings	earning	NOUN
fbem-12158	100	51	ratio	ratio	NOUN
fbem-12158	100	52	is	be	AUX
fbem-12158	100	53	basically	basically	ADV
fbem-12158	100	54	consistent	consistent	ADJ
fbem-12158	100	55	with	with	ADP
fbem-12158	100	56	the	the	DET
fbem-12158	100	57	previous	previous	ADJ
fbem-12158	100	58	assumptions	assumption	NOUN
fbem-12158	100	59	.	.	PUNCT
fbem-12158	101	1	based	base	VERB
fbem-12158	101	2	on	on	ADP
fbem-12158	101	3	the	the	DET
fbem-12158	101	4	revenue	revenue	NOUN
fbem-12158	101	5	data	datum	NOUN
fbem-12158	101	6	of	of	ADP
fbem-12158	101	7	these	these	DET
fbem-12158	101	8	10	10	NUM
fbem-12158	101	9	commercial	commercial	ADJ
fbem-12158	101	10	banks	bank	NOUN
fbem-12158	101	11	from	from	ADP
fbem-12158	101	12	2011	2011	NUM
fbem-12158	101	13	to	to	ADP
fbem-12158	101	14	2021	2021	NUM
fbem-12158	101	15	,	,	PUNCT
fbem-12158	101	16	the	the	DET
fbem-12158	101	17	panel	panel	NOUN
fbem-12158	101	18	data	datum	NOUN
fbem-12158	101	19	was	be	AUX
fbem-12158	101	20	established	establish	VERB
fbem-12158	101	21	and	and	CCONJ
fbem-12158	101	22	regression	regression	VERB
fbem-12158	101	23	analysis	analysis	NOUN
fbem-12158	101	24	was	be	AUX
fbem-12158	101	25	performed	perform	VERB
fbem-12158	101	26	using	use	VERB
fbem-12158	101	27	stata16.0	stata16.0	PROPN
fbem-12158	101	28	.	.	PUNCT
fbem-12158	102	1	the	the	DET
fbem-12158	102	2	specific	specific	ADJ
fbem-12158	102	3	results	result	NOUN
fbem-12158	102	4	of	of	ADP
fbem-12158	102	5	the	the	DET
fbem-12158	102	6	regression	regression	NOUN
fbem-12158	102	7	are	be	AUX
fbem-12158	102	8	shown	show	VERB
fbem-12158	102	9	in	in	ADP
fbem-12158	102	10	table	table	NOUN
fbem-12158	102	11	4	4	NUM
fbem-12158	102	12	.	.	PUNCT
fbem-12158	103	1	it	it	PRON
fbem-12158	103	2	can	can	AUX
fbem-12158	103	3	be	be	AUX
fbem-12158	103	4	seen	see	VERB
fbem-12158	103	5	from	from	ADP
fbem-12158	103	6	table	table	NOUN
fbem-12158	103	7	4	4	NUM
fbem-12158	103	8	that	that	SCONJ
fbem-12158	103	9	the	the	DET
fbem-12158	103	10	real	real	ADJ
fbem-12158	103	11	effective	effective	ADJ
fbem-12158	103	12	exchange	exchange	NOUN
fbem-12158	103	13	rate	rate	NOUN
fbem-12158	103	14	has	have	VERB
fbem-12158	103	15	a	a	DET
fbem-12158	103	16	very	very	ADV
fbem-12158	103	17	significant	significant	ADJ
fbem-12158	103	18	positive	positive	ADJ
fbem-12158	103	19	relationship	relationship	NOUN
fbem-12158	103	20	with	with	ADP
fbem-12158	103	21	the	the	DET
fbem-12158	103	22	diversification	diversification	NOUN
fbem-12158	103	23	index	index	NOUN
fbem-12158	103	24	,	,	PUNCT
fbem-12158	103	25	while	while	SCONJ
fbem-12158	103	26	the	the	DET
fbem-12158	103	27	net	net	ADJ
fbem-12158	103	28	interest	interest	NOUN
fbem-12158	103	29	income	income	NOUN
fbem-12158	103	30	has	have	VERB
fbem-12158	103	31	a	a	DET
fbem-12158	103	32	negative	negative	ADJ
fbem-12158	103	33	effect	effect	NOUN
fbem-12158	103	34	on	on	ADP
fbem-12158	103	35	the	the	DET
fbem-12158	103	36	diversification	diversification	NOUN
fbem-12158	103	37	index	index	NOUN
fbem-12158	103	38	,	,	PUNCT
fbem-12158	103	39	and	and	CCONJ
fbem-12158	103	40	the	the	DET
fbem-12158	103	41	second	second	ADJ
fbem-12158	103	42	model	model	NOUN
fbem-12158	103	43	returns	return	NOUN
fbem-12158	103	44	to	to	ADP
fbem-12158	103	45	the	the	DET
fbem-12158	103	46	surface	surface	NOUN
fbem-12158	103	47	of	of	ADP
fbem-12158	103	48	the	the	DET
fbem-12158	103	49	results	result	NOUN
fbem-12158	103	50	,	,	PUNCT
fbem-12158	103	51	the	the	DET
fbem-12158	103	52	exchange	exchange	NOUN
fbem-12158	103	53	rate	rate	NOUN
fbem-12158	103	54	indirectly	indirectly	ADV
fbem-12158	103	55	affects	affect	VERB
fbem-12158	103	56	the	the	DET
fbem-12158	103	57	bank	bank	NOUN
fbem-12158	103	58	's	's	PART
fbem-12158	103	59	profit	profit	NOUN
fbem-12158	103	60	by	by	ADP
fbem-12158	103	61	affecting	affect	VERB
fbem-12158	103	62	the	the	DET
fbem-12158	103	63	diversity	diversity	NOUN
fbem-12158	103	64	of	of	ADP
fbem-12158	103	65	the	the	DET
fbem-12158	103	66	bank	bank	NOUN
fbem-12158	103	67	's	's	PART
fbem-12158	103	68	income	income	NOUN
fbem-12158	103	69	structure	structure	NOUN
fbem-12158	103	70	,	,	PUNCT
fbem-12158	103	71	and	and	CCONJ
fbem-12158	103	72	will	will	AUX
fbem-12158	103	73	directly	directly	ADV
fbem-12158	103	74	have	have	VERB
fbem-12158	103	75	a	a	DET
fbem-12158	103	76	significant	significant	ADJ
fbem-12158	103	77	negative	negative	ADJ
fbem-12158	103	78	effect	effect	NOUN
fbem-12158	103	79	on	on	ADP
fbem-12158	103	80	the	the	DET
fbem-12158	103	81	bank	bank	NOUN
fbem-12158	103	82	's	's	PART
fbem-12158	103	83	profit	profit	NOUN
fbem-12158	103	84	,	,	PUNCT
fbem-12158	103	85	indicating	indicate	VERB
fbem-12158	103	86	that	that	SCONJ
fbem-12158	103	87	the	the	DET
fbem-12158	103	88	exchange	exchange	NOUN
fbem-12158	103	89	rate	rate	NOUN
fbem-12158	103	90	change	change	NOUN
fbem-12158	103	91	brings	bring	VERB
fbem-12158	103	92	a	a	DET
fbem-12158	103	93	lot	lot	NOUN
fbem-12158	103	94	of	of	ADP
fbem-12158	103	95	uncertain	uncertain	ADJ
fbem-12158	103	96	risks	risk	NOUN
fbem-12158	103	97	to	to	ADP
fbem-12158	103	98	the	the	DET
fbem-12158	103	99	32	32	NUM
fbem-12158	103	100	bank	bank	NOUN
fbem-12158	103	101	,	,	PUNCT
fbem-12158	103	102	affecting	affect	VERB
fbem-12158	103	103	the	the	DET
fbem-12158	103	104	stability	stability	NOUN
fbem-12158	103	105	of	of	ADP
fbem-12158	103	106	the	the	DET
fbem-12158	103	107	bank	bank	NOUN
fbem-12158	103	108	's	's	PART
fbem-12158	103	109	profit	profit	NOUN
fbem-12158	103	110	,	,	PUNCT
fbem-12158	103	111	proving	prove	VERB
fbem-12158	103	112	that	that	DET
fbem-12158	103	113	hypothesis	hypothesis	NOUN
fbem-12158	103	114	1	1	NUM
fbem-12158	103	115	is	be	AUX
fbem-12158	103	116	significantly	significantly	ADV
fbem-12158	103	117	valid	valid	ADJ
fbem-12158	103	118	.	.	PUNCT
fbem-12158	104	1	there	there	PRON
fbem-12158	104	2	is	be	VERB
fbem-12158	104	3	a	a	DET
fbem-12158	104	4	positive	positive	ADJ
fbem-12158	104	5	proportional	proportional	ADJ
fbem-12158	104	6	relationship	relationship	NOUN
fbem-12158	104	7	between	between	ADP
fbem-12158	104	8	commercial	commercial	ADJ
fbem-12158	104	9	bank	bank	NOUN
fbem-12158	104	10	earnings	earning	NOUN
fbem-12158	104	11	and	and	CCONJ
fbem-12158	104	12	diversification	diversification	NOUN
fbem-12158	104	13	index	index	NOUN
fbem-12158	104	14	(	(	PUNCT
fbem-12158	104	15	div	div	PROPN
fbem-12158	104	16	)	)	PUNCT
fbem-12158	104	17	,	,	PUNCT
fbem-12158	104	18	which	which	PRON
fbem-12158	104	19	indicates	indicate	VERB
fbem-12158	104	20	that	that	SCONJ
fbem-12158	104	21	the	the	DET
fbem-12158	104	22	development	development	NOUN
fbem-12158	104	23	of	of	ADP
fbem-12158	104	24	diversified	diversified	ADJ
fbem-12158	104	25	business	business	NOUN
fbem-12158	104	26	of	of	ADP
fbem-12158	104	27	commercial	commercial	ADJ
fbem-12158	104	28	banks	bank	NOUN
fbem-12158	104	29	in	in	ADP
fbem-12158	104	30	china	china	PROPN
fbem-12158	104	31	can	can	AUX
fbem-12158	104	32	increase	increase	VERB
fbem-12158	104	33	the	the	DET
fbem-12158	104	34	operating	operating	NOUN
fbem-12158	104	35	performance	performance	NOUN
fbem-12158	104	36	of	of	ADP
fbem-12158	104	37	banks	bank	NOUN
fbem-12158	104	38	,	,	PUNCT
fbem-12158	104	39	and	and	CCONJ
fbem-12158	104	40	hypothesis	hypothesis	NOUN
fbem-12158	104	41	2	2	NUM
fbem-12158	104	42	is	be	AUX
fbem-12158	104	43	supported	support	VERB
fbem-12158	104	44	.	.	PUNCT
fbem-12158	105	1	therefore	therefore	ADV
fbem-12158	105	2	,	,	PUNCT
fbem-12158	105	3	commercial	commercial	ADJ
fbem-12158	105	4	banks	bank	NOUN
fbem-12158	105	5	can	can	AUX
fbem-12158	105	6	focus	focus	VERB
fbem-12158	105	7	on	on	ADP
fbem-12158	105	8	developing	develop	VERB
fbem-12158	105	9	diversified	diversified	ADJ
fbem-12158	105	10	operations	operation	NOUN
fbem-12158	105	11	to	to	PART
fbem-12158	105	12	improve	improve	VERB
fbem-12158	105	13	their	their	PRON
fbem-12158	105	14	profitability	profitability	NOUN
fbem-12158	105	15	and	and	CCONJ
fbem-12158	105	16	competitiveness	competitiveness	NOUN
fbem-12158	105	17	.	.	PUNCT
fbem-12158	106	1	further	further	ADJ
fbem-12158	106	2	analysis	analysis	NOUN
fbem-12158	106	3	,	,	PUNCT
fbem-12158	106	4	from	from	ADP
fbem-12158	106	5	the	the	DET
fbem-12158	106	6	regression	regression	NOUN
fbem-12158	106	7	results	result	NOUN
fbem-12158	106	8	,	,	PUNCT
fbem-12158	106	9	it	it	PRON
fbem-12158	106	10	can	can	AUX
fbem-12158	106	11	be	be	AUX
fbem-12158	106	12	seen	see	VERB
fbem-12158	106	13	that	that	SCONJ
fbem-12158	106	14	the	the	DET
fbem-12158	106	15	net	net	ADJ
fbem-12158	106	16	interest	interest	NOUN
fbem-12158	106	17	margin	margin	NOUN
fbem-12158	106	18	(	(	PUNCT
fbem-12158	106	19	nim	nim	NOUN
fbem-12158	106	20	)	)	PUNCT
fbem-12158	106	21	with	with	ADP
fbem-12158	106	22	the	the	DET
fbem-12158	106	23	greatest	great	ADJ
fbem-12158	106	24	impact	impact	NOUN
fbem-12158	106	25	on	on	ADP
fbem-12158	106	26	the	the	DET
fbem-12158	106	27	profitability	profitability	NOUN
fbem-12158	106	28	of	of	ADP
fbem-12158	106	29	commercial	commercial	ADJ
fbem-12158	106	30	banks	bank	NOUN
fbem-12158	106	31	among	among	ADP
fbem-12158	106	32	the	the	DET
fbem-12158	106	33	selected	select	VERB
fbem-12158	106	34	explanatory	explanatory	ADJ
fbem-12158	106	35	variables	variable	NOUN
fbem-12158	106	36	is	be	AUX
fbem-12158	106	37	significantly	significantly	ADV
fbem-12158	106	38	positive	positive	ADJ
fbem-12158	106	39	,	,	PUNCT
fbem-12158	106	40	which	which	PRON
fbem-12158	106	41	indicates	indicate	VERB
fbem-12158	106	42	that	that	SCONJ
fbem-12158	106	43	the	the	DET
fbem-12158	106	44	net	net	ADJ
fbem-12158	106	45	interest	interest	NOUN
fbem-12158	106	46	margin	margin	NOUN
fbem-12158	106	47	level	level	NOUN
fbem-12158	106	48	is	be	AUX
fbem-12158	106	49	lower	low	ADJ
fbem-12158	106	50	than	than	ADP
fbem-12158	106	51	that	that	PRON
fbem-12158	106	52	of	of	ADP
fbem-12158	106	53	commercial	commercial	ADJ
fbem-12158	106	54	banks	bank	NOUN
fbem-12158	106	55	.	.	PUNCT
fbem-12158	107	1	for	for	ADP
fbem-12158	107	2	the	the	DET
fbem-12158	107	3	return	return	NOUN
fbem-12158	107	4	on	on	ADP
fbem-12158	107	5	total	total	ADJ
fbem-12158	107	6	assets	asset	NOUN
fbem-12158	107	7	(	(	PUNCT
fbem-12158	107	8	roa	roa	NOUN
fbem-12158	107	9	)	)	PUNCT
fbem-12158	107	10	of	of	ADP
fbem-12158	107	11	commercial	commercial	ADJ
fbem-12158	107	12	banks	bank	NOUN
fbem-12158	107	13	,	,	PUNCT
fbem-12158	107	14	the	the	DET
fbem-12158	107	15	income	income	NOUN
fbem-12158	107	16	with	with	ADP
fbem-12158	107	17	a	a	DET
fbem-12158	107	18	more	more	ADV
fbem-12158	107	19	significant	significant	ADJ
fbem-12158	107	20	positive	positive	ADJ
fbem-12158	107	21	coefficient	coefficient	NOUN
fbem-12158	107	22	is	be	AUX
fbem-12158	107	23	the	the	DET
fbem-12158	107	24	proportion	proportion	NOUN
fbem-12158	107	25	of	of	ADP
fbem-12158	107	26	fees	fee	NOUN
fbem-12158	107	27	and	and	CCONJ
fbem-12158	107	28	commission	commission	NOUN
fbem-12158	107	29	income	income	NOUN
fbem-12158	107	30	in	in	ADP
fbem-12158	107	31	non	non	ADJ
fbem-12158	107	32	-	-	ADJ
fbem-12158	107	33	interest	interest	ADJ
fbem-12158	107	34	income	income	NOUN
fbem-12158	107	35	(	(	PUNCT
fbem-12158	107	36	oni	oni	NOUN
fbem-12158	107	37	)	)	PUNCT
fbem-12158	107	38	,	,	PUNCT
fbem-12158	107	39	and	and	CCONJ
fbem-12158	107	40	the	the	DET
fbem-12158	107	41	proportion	proportion	NOUN
fbem-12158	107	42	of	of	ADP
fbem-12158	107	43	other	other	ADJ
fbem-12158	107	44	non	non	ADJ
fbem-12158	107	45	-	-	ADJ
fbem-12158	107	46	interest	interest	ADJ
fbem-12158	107	47	income	income	NOUN
fbem-12158	107	48	(	(	PUNCT
fbem-12158	107	49	nfc	nfc	NOUN
fbem-12158	107	50	)	)	PUNCT
fbem-12158	107	51	,	,	PUNCT
fbem-12158	107	52	which	which	PRON
fbem-12158	107	53	is	be	AUX
fbem-12158	107	54	non	non	ADJ
fbem-12158	107	55	-	-	ADJ
fbem-12158	107	56	interest	interest	ADJ
fbem-12158	107	57	income	income	NOUN
fbem-12158	107	58	,	,	PUNCT
fbem-12158	107	59	will	will	AUX
fbem-12158	107	60	also	also	ADV
fbem-12158	107	61	have	have	VERB
fbem-12158	107	62	a	a	DET
fbem-12158	107	63	positive	positive	ADJ
fbem-12158	107	64	impact	impact	NOUN
fbem-12158	107	65	on	on	ADP
fbem-12158	107	66	the	the	DET
fbem-12158	107	67	operation	operation	NOUN
fbem-12158	107	68	of	of	ADP
fbem-12158	107	69	commercial	commercial	ADJ
fbem-12158	107	70	banks	bank	NOUN
fbem-12158	107	71	,	,	PUNCT
fbem-12158	107	72	but	but	CCONJ
fbem-12158	107	73	it	it	PRON
fbem-12158	107	74	is	be	AUX
fbem-12158	107	75	not	not	PART
fbem-12158	107	76	as	as	ADV
fbem-12158	107	77	significant	significant	ADJ
fbem-12158	107	78	as	as	ADP
fbem-12158	107	79	the	the	DET
fbem-12158	107	80	impact	impact	NOUN
fbem-12158	107	81	of	of	ADP
fbem-12158	107	82	fee	fee	NOUN
fbem-12158	107	83	and	and	CCONJ
fbem-12158	107	84	commission	commission	NOUN
fbem-12158	107	85	income	income	NOUN
fbem-12158	107	86	,	,	PUNCT
fbem-12158	107	87	so	so	SCONJ
fbem-12158	107	88	as	as	SCONJ
fbem-12158	107	89	mentioned	mention	VERB
fbem-12158	107	90	in	in	ADP
fbem-12158	107	91	hypothesis	hypothesis	NOUN
fbem-12158	107	92	3	3	NUM
fbem-12158	107	93	,	,	PUNCT
fbem-12158	107	94	in	in	ADP
fbem-12158	107	95	the	the	DET
fbem-12158	107	96	non	non	ADJ
fbem-12158	107	97	-	-	ADJ
fbem-12158	107	98	interest	interest	ADJ
fbem-12158	107	99	income	income	NOUN
fbem-12158	107	100	,	,	PUNCT
fbem-12158	107	101	the	the	DET
fbem-12158	107	102	main	main	ADJ
fbem-12158	107	103	role	role	NOUN
fbem-12158	107	104	in	in	ADP
fbem-12158	107	105	the	the	DET
fbem-12158	107	106	profitability	profitability	NOUN
fbem-12158	107	107	of	of	ADP
fbem-12158	107	108	commercial	commercial	ADJ
fbem-12158	107	109	banks	bank	NOUN
fbem-12158	107	110	is	be	AUX
fbem-12158	107	111	undoubtedly	undoubtedly	ADV
fbem-12158	107	112	the	the	DET
fbem-12158	107	113	fee	fee	NOUN
fbem-12158	107	114	and	and	CCONJ
fbem-12158	107	115	commission	commission	NOUN
fbem-12158	107	116	income	income	NOUN
fbem-12158	107	117	.	.	PUNCT
fbem-12158	107	118	table	table	NOUN
fbem-12158	107	119	4	4	NUM
fbem-12158	107	120	.	.	PUNCT
fbem-12158	108	1	regression	regression	NOUN
fbem-12158	108	2	results	result	NOUN
fbem-12158	108	3	(	(	PUNCT
fbem-12158	108	4	1	1	NUM
fbem-12158	108	5	)	)	PUNCT
fbem-12158	108	6	(	(	PUNCT
fbem-12158	108	7	2	2	X
fbem-12158	108	8	)	)	PUNCT
fbem-12158	108	9	div	div	PROPN
fbem-12158	108	10	roa	roa	PROPN
fbem-12158	108	11	nim	nim	PROPN
fbem-12158	108	12	-55.478	-55.478	PROPN
fbem-12158	108	13	*	*	PROPN
fbem-12158	108	14	*	*	PUNCT
fbem-12158	108	15	*	*	PUNCT
fbem-12158	108	16	32.889	32.889	NUM
fbem-12158	108	17	*	*	PUNCT
fbem-12158	108	18	*	*	PUNCT
fbem-12158	108	19	*	*	PUNCT
fbem-12158	108	20	(	(	PUNCT
fbem-12158	108	21	4.050	4.050	NUM
fbem-12158	108	22	)	)	PUNCT
fbem-12158	108	23	(	(	PUNCT
fbem-12158	108	24	3.152	3.152	NUM
fbem-12158	108	25	)	)	PUNCT
fbem-12158	108	26	reer	reer	NOUN
fbem-12158	108	27	0.001	0.001	NUM
fbem-12158	108	28	*	*	PUNCT
fbem-12158	108	29	*	*	PUNCT
fbem-12158	108	30	*	*	PUNCT
fbem-12158	108	31	-0.002	-0.002	PUNCT
fbem-12158	108	32	*	*	PUNCT
fbem-12158	108	33	*	*	PUNCT
fbem-12158	108	34	*	*	PUNCT
fbem-12158	108	35	(	(	PUNCT
fbem-12158	108	36	0.001	0.001	NUM
fbem-12158	108	37	)	)	PUNCT
fbem-12158	108	38	(	(	PUNCT
fbem-12158	108	39	0.000	0.000	X
fbem-12158	108	40	)	)	PUNCT
fbem-12158	108	41	oni	oni	NOUN
fbem-12158	108	42	0.622	0.622	NUM
fbem-12158	108	43	*	*	PUNCT
fbem-12158	108	44	*	*	PUNCT
fbem-12158	108	45	*	*	PUNCT
fbem-12158	108	46	(	(	PUNCT
fbem-12158	108	47	0.148	0.148	NUM
fbem-12158	108	48	)	)	PUNCT
fbem-12158	108	49	nfc	nfc	NOUN
fbem-12158	108	50	0.433	0.433	NUM
fbem-12158	108	51	*	*	PUNCT
fbem-12158	108	52	*	*	PUNCT
fbem-12158	108	53	(	(	PUNCT
fbem-12158	108	54	0.151	0.151	NUM
fbem-12158	108	55	)	)	PUNCT
fbem-12158	108	56	div	div	NOUN
fbem-12158	108	57	0.178	0.178	NUM
fbem-12158	108	58	*	*	PUNCT
fbem-12158	108	59	*	*	PUNCT
fbem-12158	108	60	(	(	PUNCT
fbem-12158	108	61	0.111	0.111	NUM
fbem-12158	108	62	)	)	PUNCT
fbem-12158	109	1	_	_	NOUN
fbem-12158	109	2	cons	con	NOUN
fbem-12158	109	3	0.560	0.560	NUM
fbem-12158	109	4	*	*	PUNCT
fbem-12158	109	5	*	*	PUNCT
fbem-12158	109	6	*	*	PUNCT
fbem-12158	109	7	0.230	0.230	NUM
fbem-12158	109	8	*	*	PUNCT
fbem-12158	109	9	*	*	PUNCT
fbem-12158	109	10	(	(	PUNCT
fbem-12158	109	11	0.077	0.077	NUM
fbem-12158	109	12	)	)	PUNCT
fbem-12158	109	13	(	(	PUNCT
fbem-12158	109	14	0.052	0.052	NUM
fbem-12158	109	15	)	)	PUNCT
fbem-12158	109	16	n	n	PRON
fbem-12158	109	17	440.000	440.000	NUM
fbem-12158	109	18	440.000	440.000	NUM
fbem-12158	109	19	r2	r2	NOUN
fbem-12158	109	20	0.432	0.432	NUM
fbem-12158	109	21	0.378	0.378	NUM
fbem-12158	109	22	ar2	ar2	PROPN
fbem-12158	109	23	in	in	ADP
fbem-12158	109	24	summary	summary	NOUN
fbem-12158	109	25	,	,	PUNCT
fbem-12158	109	26	for	for	ADP
fbem-12158	109	27	commercial	commercial	ADJ
fbem-12158	109	28	banks	bank	NOUN
fbem-12158	109	29	,	,	PUNCT
fbem-12158	109	30	exchange	exchange	NOUN
fbem-12158	109	31	rate	rate	NOUN
fbem-12158	109	32	changes	change	NOUN
fbem-12158	109	33	will	will	AUX
fbem-12158	109	34	have	have	VERB
fbem-12158	109	35	a	a	DET
fbem-12158	109	36	positive	positive	ADJ
fbem-12158	109	37	and	and	CCONJ
fbem-12158	109	38	negative	negative	ADJ
fbem-12158	109	39	impact	impact	NOUN
fbem-12158	109	40	on	on	ADP
fbem-12158	109	41	bank	bank	NOUN
fbem-12158	109	42	profits	profit	NOUN
fbem-12158	109	43	,	,	PUNCT
fbem-12158	109	44	and	and	CCONJ
fbem-12158	109	45	expanding	expand	VERB
fbem-12158	109	46	the	the	DET
fbem-12158	109	47	diversified	diversified	ADJ
fbem-12158	109	48	development	development	NOUN
fbem-12158	109	49	of	of	ADP
fbem-12158	109	50	income	income	NOUN
fbem-12158	109	51	structure	structure	NOUN
fbem-12158	109	52	will	will	AUX
fbem-12158	109	53	have	have	VERB
fbem-12158	109	54	a	a	DET
fbem-12158	109	55	positive	positive	ADJ
fbem-12158	109	56	impact	impact	NOUN
fbem-12158	109	57	.	.	PUNCT
fbem-12158	110	1	5	5	X
fbem-12158	110	2	.	.	X
fbem-12158	110	3	conclusions	conclusion	NOUN
fbem-12158	110	4	and	and	CCONJ
fbem-12158	110	5	related	related	ADJ
fbem-12158	110	6	recommendations	recommendation	NOUN
fbem-12158	110	7	5.1	5.1	NUM
fbem-12158	110	8	.	.	PUNCT
fbem-12158	111	1	conclusions	conclusion	NOUN
fbem-12158	111	2	this	this	DET
fbem-12158	111	3	paper	paper	NOUN
fbem-12158	111	4	selects	select	VERB
fbem-12158	111	5	the	the	DET
fbem-12158	111	6	income	income	NOUN
fbem-12158	111	7	-	-	PUNCT
fbem-12158	111	8	related	relate	VERB
fbem-12158	111	9	data	datum	NOUN
fbem-12158	111	10	of	of	ADP
fbem-12158	111	11	10	10	NUM
fbem-12158	111	12	listed	list	VERB
fbem-12158	111	13	commercial	commercial	ADJ
fbem-12158	111	14	banks	bank	NOUN
fbem-12158	111	15	(	(	PUNCT
fbem-12158	111	16	including	include	VERB
fbem-12158	111	17	5	5	NUM
fbem-12158	111	18	state	state	NOUN
fbem-12158	111	19	-	-	PUNCT
fbem-12158	111	20	controlled	control	VERB
fbem-12158	111	21	commercial	commercial	ADJ
fbem-12158	111	22	banks	bank	NOUN
fbem-12158	111	23	and	and	CCONJ
fbem-12158	111	24	5	5	NUM
fbem-12158	111	25	joint	joint	ADJ
fbem-12158	111	26	-	-	PUNCT
fbem-12158	111	27	stock	stock	NOUN
fbem-12158	111	28	commercial	commercial	ADJ
fbem-12158	111	29	banks	bank	NOUN
fbem-12158	111	30	)	)	PUNCT
fbem-12158	111	31	in	in	ADP
fbem-12158	111	32	china	china	PROPN
fbem-12158	111	33	from	from	ADP
fbem-12158	111	34	2011	2011	NUM
fbem-12158	111	35	to	to	ADP
fbem-12158	111	36	2021	2021	NUM
fbem-12158	111	37	,	,	PUNCT
fbem-12158	111	38	and	and	CCONJ
fbem-12158	111	39	uses	use	VERB
fbem-12158	111	40	the	the	DET
fbem-12158	111	41	stata	stata	NOUN
fbem-12158	111	42	16.0	16.0	NUM
fbem-12158	111	43	application	application	NOUN
fbem-12158	111	44	for	for	ADP
fbem-12158	111	45	regression	regression	NOUN
fbem-12158	111	46	to	to	PART
fbem-12158	111	47	analyze	analyze	VERB
fbem-12158	111	48	the	the	DET
fbem-12158	111	49	relationship	relationship	NOUN
fbem-12158	111	50	between	between	ADP
fbem-12158	111	51	the	the	DET
fbem-12158	111	52	profitability	profitability	NOUN
fbem-12158	111	53	of	of	ADP
fbem-12158	111	54	listed	list	VERB
fbem-12158	111	55	commercial	commercial	ADJ
fbem-12158	111	56	banks	bank	NOUN
fbem-12158	111	57	and	and	CCONJ
fbem-12158	111	58	their	their	PRON
fbem-12158	111	59	revenue	revenue	NOUN
fbem-12158	111	60	structure	structure	NOUN
fbem-12158	111	61	and	and	CCONJ
fbem-12158	111	62	rmb	rmb	PROPN
fbem-12158	111	63	exchange	exchange	NOUN
fbem-12158	111	64	rate	rate	NOUN
fbem-12158	111	65	.	.	PUNCT
fbem-12158	112	1	based	base	VERB
fbem-12158	112	2	on	on	ADP
fbem-12158	112	3	the	the	DET
fbem-12158	112	4	analysis	analysis	NOUN
fbem-12158	112	5	of	of	ADP
fbem-12158	112	6	empirical	empirical	ADJ
fbem-12158	112	7	results	result	NOUN
fbem-12158	112	8	,	,	PUNCT
fbem-12158	112	9	we	we	PRON
fbem-12158	112	10	find	find	VERB
fbem-12158	112	11	that	that	SCONJ
fbem-12158	112	12	on	on	ADP
fbem-12158	112	13	the	the	DET
fbem-12158	112	14	whole	whole	NOUN
fbem-12158	112	15	,	,	PUNCT
fbem-12158	112	16	changes	change	NOUN
fbem-12158	112	17	in	in	ADP
fbem-12158	112	18	the	the	DET
fbem-12158	112	19	rmb	rmb	PROPN
fbem-12158	112	20	exchange	exchange	NOUN
fbem-12158	112	21	rate	rate	NOUN
fbem-12158	112	22	will	will	AUX
fbem-12158	112	23	have	have	VERB
fbem-12158	112	24	a	a	DET
fbem-12158	112	25	significant	significant	ADJ
fbem-12158	112	26	positive	positive	ADJ
fbem-12158	112	27	impact	impact	NOUN
fbem-12158	112	28	on	on	ADP
fbem-12158	112	29	the	the	DET
fbem-12158	112	30	income	income	NOUN
fbem-12158	112	31	structure	structure	NOUN
fbem-12158	112	32	diversification	diversification	NOUN
fbem-12158	112	33	index	index	NOUN
fbem-12158	112	34	of	of	ADP
fbem-12158	112	35	commercial	commercial	ADJ
fbem-12158	112	36	banks	bank	NOUN
fbem-12158	112	37	,	,	PUNCT
fbem-12158	112	38	and	and	CCONJ
fbem-12158	112	39	then	then	ADV
fbem-12158	112	40	indirectly	indirectly	ADV
fbem-12158	112	41	affect	affect	VERB
fbem-12158	112	42	the	the	DET
fbem-12158	112	43	final	final	ADJ
fbem-12158	112	44	profitability	profitability	NOUN
fbem-12158	112	45	of	of	ADP
fbem-12158	112	46	banks	bank	NOUN
fbem-12158	112	47	.	.	PUNCT
fbem-12158	113	1	however	however	ADV
fbem-12158	113	2	,	,	PUNCT
fbem-12158	113	3	the	the	DET
fbem-12158	113	4	exchange	exchange	NOUN
fbem-12158	113	5	rate	rate	NOUN
fbem-12158	113	6	level	level	NOUN
fbem-12158	113	7	has	have	VERB
fbem-12158	113	8	a	a	DET
fbem-12158	113	9	direct	direct	ADJ
fbem-12158	113	10	and	and	CCONJ
fbem-12158	113	11	significant	significant	ADJ
fbem-12158	113	12	negative	negative	ADJ
fbem-12158	113	13	effect	effect	NOUN
fbem-12158	113	14	on	on	ADP
fbem-12158	113	15	the	the	DET
fbem-12158	113	16	operation	operation	NOUN
fbem-12158	113	17	of	of	ADP
fbem-12158	113	18	commercial	commercial	ADJ
fbem-12158	113	19	banks	bank	NOUN
fbem-12158	113	20	.	.	PUNCT
fbem-12158	114	1	further	far	ADV
fbem-12158	114	2	,	,	PUNCT
fbem-12158	114	3	china	china	PROPN
fbem-12158	114	4	's	's	PART
fbem-12158	114	5	commercial	commercial	ADJ
fbem-12158	114	6	banks	bank	NOUN
fbem-12158	114	7	have	have	AUX
fbem-12158	114	8	effectively	effectively	ADV
fbem-12158	114	9	improved	improve	VERB
fbem-12158	114	10	their	their	PRON
fbem-12158	114	11	efficiency	efficiency	NOUN
fbem-12158	114	12	and	and	CCONJ
fbem-12158	114	13	enhanced	enhance	VERB
fbem-12158	114	14	their	their	PRON
fbem-12158	114	15	ability	ability	NOUN
fbem-12158	114	16	to	to	PART
fbem-12158	114	17	obtain	obtain	VERB
fbem-12158	114	18	profits	profit	NOUN
fbem-12158	114	19	through	through	ADP
fbem-12158	114	20	business	business	NOUN
fbem-12158	114	21	diversification	diversification	NOUN
fbem-12158	114	22	.	.	PUNCT
fbem-12158	115	1	for	for	ADP
fbem-12158	115	2	different	different	ADJ
fbem-12158	115	3	types	type	NOUN
fbem-12158	115	4	of	of	ADP
fbem-12158	115	5	banks	bank	NOUN
fbem-12158	115	6	,	,	PUNCT
fbem-12158	115	7	the	the	DET
fbem-12158	115	8	effect	effect	NOUN
fbem-12158	115	9	of	of	ADP
fbem-12158	115	10	net	net	ADJ
fbem-12158	115	11	interest	interest	NOUN
fbem-12158	115	12	income	income	NOUN
fbem-12158	115	13	and	and	CCONJ
fbem-12158	115	14	income	income	NOUN
fbem-12158	115	15	diversification	diversification	NOUN
fbem-12158	115	16	is	be	AUX
fbem-12158	115	17	different	different	ADJ
fbem-12158	115	18	,	,	PUNCT
fbem-12158	115	19	and	and	CCONJ
fbem-12158	115	20	generally	generally	ADV
fbem-12158	115	21	speaking	speak	VERB
fbem-12158	115	22	,	,	PUNCT
fbem-12158	115	23	the	the	DET
fbem-12158	115	24	profitability	profitability	NOUN
fbem-12158	115	25	of	of	ADP
fbem-12158	115	26	joint	joint	ADJ
fbem-12158	115	27	-	-	PUNCT
fbem-12158	115	28	stock	stock	NOUN
fbem-12158	115	29	commercial	commercial	ADJ
fbem-12158	115	30	banks	bank	NOUN
fbem-12158	115	31	will	will	AUX
fbem-12158	115	32	increase	increase	VERB
fbem-12158	115	33	more	more	ADJ
fbem-12158	115	34	than	than	ADP
fbem-12158	115	35	that	that	PRON
fbem-12158	115	36	of	of	ADP
fbem-12158	115	37	state	state	NOUN
fbem-12158	115	38	-	-	PUNCT
fbem-12158	115	39	owned	own	VERB
fbem-12158	115	40	commercial	commercial	ADJ
fbem-12158	115	41	banks	bank	NOUN
fbem-12158	115	42	.	.	PUNCT
fbem-12158	116	1	by	by	ADP
fbem-12158	116	2	decomposing	decompose	VERB
fbem-12158	116	3	the	the	DET
fbem-12158	116	4	non	non	ADJ
fbem-12158	116	5	-	-	ADJ
fbem-12158	116	6	interest	interest	ADJ
fbem-12158	116	7	income	income	NOUN
fbem-12158	116	8	,	,	PUNCT
fbem-12158	116	9	it	it	PRON
fbem-12158	116	10	is	be	AUX
fbem-12158	116	11	found	find	VERB
fbem-12158	116	12	that	that	SCONJ
fbem-12158	116	13	other	other	ADJ
fbem-12158	116	14	non	non	ADJ
fbem-12158	116	15	-	-	ADJ
fbem-12158	116	16	interest	interest	ADJ
fbem-12158	116	17	business	business	NOUN
fbem-12158	116	18	income	income	NOUN
fbem-12158	116	19	does	do	AUX
fbem-12158	116	20	not	not	PART
fbem-12158	116	21	have	have	VERB
fbem-12158	116	22	a	a	DET
fbem-12158	116	23	greater	great	ADJ
fbem-12158	116	24	effect	effect	NOUN
fbem-12158	116	25	on	on	ADP
fbem-12158	116	26	the	the	DET
fbem-12158	116	27	profitability	profitability	NOUN
fbem-12158	116	28	of	of	ADP
fbem-12158	116	29	commercial	commercial	ADJ
fbem-12158	116	30	banks	bank	NOUN
fbem-12158	116	31	than	than	ADP
fbem-12158	116	32	the	the	DET
fbem-12158	116	33	development	development	NOUN
fbem-12158	116	34	of	of	ADP
fbem-12158	116	35	handling	handle	VERB
fbem-12158	116	36	fees	fee	NOUN
fbem-12158	116	37	and	and	CCONJ
fbem-12158	116	38	commission	commission	NOUN
fbem-12158	116	39	income	income	NOUN
fbem-12158	116	40	,	,	PUNCT
fbem-12158	116	41	but	but	CCONJ
fbem-12158	116	42	commercial	commercial	ADJ
fbem-12158	116	43	banks	bank	NOUN
fbem-12158	116	44	with	with	ADP
fbem-12158	116	45	different	different	ADJ
fbem-12158	116	46	natures	nature	NOUN
fbem-12158	116	47	should	should	AUX
fbem-12158	116	48	choose	choose	VERB
fbem-12158	116	49	diversified	diversified	ADJ
fbem-12158	116	50	businesses	business	NOUN
fbem-12158	116	51	suitable	suitable	ADJ
fbem-12158	116	52	for	for	ADP
fbem-12158	116	53	their	their	PRON
fbem-12158	116	54	own	own	ADJ
fbem-12158	116	55	development	development	NOUN
fbem-12158	116	56	to	to	PART
fbem-12158	116	57	develop	develop	VERB
fbem-12158	116	58	their	their	PRON
fbem-12158	116	59	own	own	ADJ
fbem-12158	116	60	profitability	profitability	NOUN
fbem-12158	116	61	.	.	PUNCT
fbem-12158	117	1	5.2	5.2	NUM
fbem-12158	117	2	.	.	PUNCT
fbem-12158	118	1	countermeasure	countermeasure	NOUN
fbem-12158	118	2	suggestions	suggestion	NOUN
fbem-12158	118	3	the	the	DET
fbem-12158	118	4	impact	impact	NOUN
fbem-12158	118	5	of	of	ADP
fbem-12158	118	6	rmb	rmb	NOUN
fbem-12158	118	7	appreciation	appreciation	NOUN
fbem-12158	118	8	on	on	ADP
fbem-12158	118	9	the	the	DET
fbem-12158	118	10	profitability	profitability	NOUN
fbem-12158	118	11	of	of	ADP
fbem-12158	118	12	china	china	PROPN
fbem-12158	118	13	's	's	PART
fbem-12158	118	14	commercial	commercial	ADJ
fbem-12158	118	15	banks	bank	NOUN
fbem-12158	118	16	can	can	AUX
fbem-12158	118	17	not	not	PART
fbem-12158	118	18	be	be	AUX
fbem-12158	118	19	ignored	ignore	VERB
fbem-12158	118	20	,	,	PUNCT
fbem-12158	118	21	the	the	DET
fbem-12158	118	22	fluctuation	fluctuation	NOUN
fbem-12158	118	23	of	of	ADP
fbem-12158	118	24	rmb	rmb	PROPN
fbem-12158	118	25	exchange	exchange	NOUN
fbem-12158	118	26	rate	rate	NOUN
fbem-12158	118	27	will	will	AUX
fbem-12158	118	28	have	have	VERB
fbem-12158	118	29	a	a	DET
fbem-12158	118	30	great	great	ADJ
fbem-12158	118	31	impact	impact	NOUN
fbem-12158	118	32	on	on	ADP
fbem-12158	118	33	commercial	commercial	ADJ
fbem-12158	118	34	banks	bank	NOUN
fbem-12158	118	35	that	that	PRON
fbem-12158	118	36	do	do	AUX
fbem-12158	118	37	not	not	PART
fbem-12158	118	38	actively	actively	ADV
fbem-12158	118	39	take	take	VERB
fbem-12158	118	40	exchange	exchange	NOUN
fbem-12158	118	41	rate	rate	NOUN
fbem-12158	118	42	risk	risk	NOUN
fbem-12158	118	43	prevention	prevention	NOUN
fbem-12158	118	44	measures	measure	NOUN
fbem-12158	118	45	,	,	PUNCT
fbem-12158	118	46	and	and	CCONJ
fbem-12158	118	47	a	a	DET
fbem-12158	118	48	good	good	ADJ
fbem-12158	118	49	exchange	exchange	NOUN
fbem-12158	118	50	rate	rate	NOUN
fbem-12158	118	51	risk	risk	NOUN
fbem-12158	118	52	control	control	NOUN
fbem-12158	118	53	model	model	NOUN
fbem-12158	118	54	should	should	AUX
fbem-12158	118	55	run	run	VERB
fbem-12158	118	56	risk	risk	NOUN
fbem-12158	118	57	management	management	NOUN
fbem-12158	118	58	through	through	ADP
fbem-12158	118	59	the	the	DET
fbem-12158	118	60	whole	whole	ADJ
fbem-12158	118	61	process	process	NOUN
fbem-12158	118	62	of	of	ADP
fbem-12158	118	63	foreign	foreign	ADJ
fbem-12158	118	64	exchange	exchange	NOUN
fbem-12158	118	65	business	business	NOUN
fbem-12158	118	66	.	.	PUNCT
fbem-12158	119	1	in	in	ADP
fbem-12158	119	2	order	order	NOUN
fbem-12158	119	3	not	not	PART
fbem-12158	119	4	to	to	PART
fbem-12158	119	5	make	make	VERB
fbem-12158	119	6	the	the	DET
fbem-12158	119	7	fluctuation	fluctuation	NOUN
fbem-12158	119	8	of	of	ADP
fbem-12158	119	9	the	the	DET
fbem-12158	119	10	rmb	rmb	PROPN
fbem-12158	119	11	exchange	exchange	NOUN
fbem-12158	119	12	rate	rate	NOUN
fbem-12158	119	13	excessively	excessively	ADV
fbem-12158	119	14	affect	affect	VERB
fbem-12158	119	15	the	the	DET
fbem-12158	119	16	profitability	profitability	NOUN
fbem-12158	119	17	of	of	ADP
fbem-12158	119	18	china	china	PROPN
fbem-12158	119	19	's	's	PART
fbem-12158	119	20	commercial	commercial	ADJ
fbem-12158	119	21	banks	bank	NOUN
fbem-12158	119	22	,	,	PUNCT
fbem-12158	119	23	in	in	ADP
fbem-12158	119	24	the	the	DET
fbem-12158	119	25	face	face	NOUN
fbem-12158	119	26	of	of	ADP
fbem-12158	119	27	the	the	DET
fbem-12158	119	28	long	long	ADJ
fbem-12158	119	29	-	-	PUNCT
fbem-12158	119	30	term	term	NOUN
fbem-12158	119	31	trend	trend	NOUN
fbem-12158	119	32	of	of	ADP
fbem-12158	119	33	the	the	DET
fbem-12158	119	34	rmb	rmb	PROPN
fbem-12158	119	35	exchange	exchange	NOUN
fbem-12158	119	36	rate	rate	NOUN
fbem-12158	119	37	formation	formation	NOUN
fbem-12158	119	38	mechanism	mechanism	NOUN
fbem-12158	119	39	,	,	PUNCT
fbem-12158	119	40	china	china	PROPN
fbem-12158	119	41	's	's	PART
fbem-12158	119	42	commercial	commercial	ADJ
fbem-12158	119	43	banks	bank	NOUN
fbem-12158	119	44	should	should	AUX
fbem-12158	119	45	take	take	VERB
fbem-12158	119	46	change	change	NOUN
fbem-12158	119	47	and	and	CCONJ
fbem-12158	119	48	reform	reform	NOUN
fbem-12158	119	49	as	as	ADP
fbem-12158	119	50	the	the	DET
fbem-12158	119	51	norm	norm	NOUN
fbem-12158	119	52	,	,	PUNCT
fbem-12158	119	53	gradually	gradually	ADV
fbem-12158	119	54	update	update	VERB
fbem-12158	119	55	the	the	DET
fbem-12158	119	56	business	business	NOUN
fbem-12158	119	57	management	management	NOUN
fbem-12158	119	58	concept	concept	NOUN
fbem-12158	119	59	,	,	PUNCT
fbem-12158	119	60	strengthen	strengthen	VERB
fbem-12158	119	61	follow	follow	VERB
fbem-12158	119	62	-	-	PUNCT
fbem-12158	119	63	up	up	ADP
fbem-12158	119	64	research	research	NOUN
fbem-12158	119	65	,	,	PUNCT
fbem-12158	119	66	pay	pay	VERB
fbem-12158	119	67	close	close	ADJ
fbem-12158	119	68	attention	attention	NOUN
fbem-12158	119	69	to	to	ADP
fbem-12158	119	70	the	the	DET
fbem-12158	119	71	relevant	relevant	ADJ
fbem-12158	119	72	measures	measure	NOUN
fbem-12158	119	73	of	of	ADP
fbem-12158	119	74	the	the	DET
fbem-12158	119	75	central	central	ADJ
fbem-12158	119	76	bank	bank	NOUN
fbem-12158	119	77	,	,	PUNCT
fbem-12158	119	78	judge	judge	VERB
fbem-12158	119	79	the	the	DET
fbem-12158	119	80	direction	direction	NOUN
fbem-12158	119	81	and	and	CCONJ
fbem-12158	119	82	intensity	intensity	NOUN
fbem-12158	119	83	of	of	ADP
fbem-12158	119	84	the	the	DET
fbem-12158	119	85	rmb	rmb	PROPN
fbem-12158	119	86	exchange	exchange	NOUN
fbem-12158	119	87	rate	rate	NOUN
fbem-12158	119	88	adjustment	adjustment	NOUN
fbem-12158	119	89	according	accord	VERB
fbem-12158	119	90	to	to	ADP
fbem-12158	119	91	the	the	DET
fbem-12158	119	92	adjustment	adjustment	NOUN
fbem-12158	119	93	of	of	ADP
fbem-12158	119	94	policies	policy	NOUN
fbem-12158	119	95	and	and	CCONJ
fbem-12158	119	96	changes	change	NOUN
fbem-12158	119	97	in	in	ADP
fbem-12158	119	98	market	market	NOUN
fbem-12158	119	99	funds	fund	NOUN
fbem-12158	119	100	,	,	PUNCT
fbem-12158	119	101	and	and	CCONJ
fbem-12158	119	102	take	take	VERB
fbem-12158	119	103	corresponding	corresponding	ADJ
fbem-12158	119	104	measures	measure	NOUN
fbem-12158	119	105	to	to	PART
fbem-12158	119	106	reduce	reduce	VERB
fbem-12158	119	107	foreign	foreign	ADJ
fbem-12158	119	108	exchange	exchange	NOUN
fbem-12158	119	109	risks	risk	NOUN
fbem-12158	119	110	.	.	PUNCT
fbem-12158	120	1	at	at	ADP
fbem-12158	120	2	the	the	DET
fbem-12158	120	3	same	same	ADJ
fbem-12158	120	4	time	time	NOUN
fbem-12158	120	5	,	,	PUNCT
fbem-12158	120	6	it	it	PRON
fbem-12158	120	7	is	be	AUX
fbem-12158	120	8	necessary	necessary	ADJ
fbem-12158	120	9	to	to	PART
fbem-12158	120	10	pay	pay	VERB
fbem-12158	120	11	close	close	ADJ
fbem-12158	120	12	attention	attention	NOUN
fbem-12158	120	13	to	to	ADP
fbem-12158	120	14	the	the	DET
fbem-12158	120	15	impact	impact	NOUN
fbem-12158	120	16	of	of	ADP
fbem-12158	120	17	changes	change	NOUN
fbem-12158	120	18	in	in	ADP
fbem-12158	120	19	the	the	DET
fbem-12158	120	20	macro	macro	ADJ
fbem-12158	120	21	situation	situation	NOUN
fbem-12158	120	22	of	of	ADP
fbem-12158	120	23	major	major	ADJ
fbem-12158	120	24	economies	economy	NOUN
fbem-12158	120	25	in	in	ADP
fbem-12158	120	26	the	the	DET
fbem-12158	120	27	world	world	NOUN
fbem-12158	120	28	on	on	ADP
fbem-12158	120	29	the	the	DET
fbem-12158	120	30	exchange	exchange	NOUN
fbem-12158	120	31	rate	rate	NOUN
fbem-12158	120	32	level	level	NOUN
fbem-12158	120	33	,	,	PUNCT
fbem-12158	120	34	scientifically	scientifically	ADV
fbem-12158	120	35	forecast	forecast	VERB
fbem-12158	120	36	the	the	DET
fbem-12158	120	37	exchange	exchange	NOUN
fbem-12158	120	38	rate	rate	NOUN
fbem-12158	120	39	,	,	PUNCT
fbem-12158	120	40	and	and	CCONJ
fbem-12158	120	41	timely	timely	ADV
fbem-12158	120	42	adjust	adjust	VERB
fbem-12158	120	43	business	business	NOUN
fbem-12158	120	44	development	development	NOUN
fbem-12158	120	45	and	and	CCONJ
fbem-12158	120	46	risk	risk	NOUN
fbem-12158	120	47	management	management	NOUN
fbem-12158	120	48	strategies	strategy	NOUN
fbem-12158	120	49	.	.	PUNCT
fbem-12158	121	1	33	33	NUM
fbem-12158	121	2	with	with	ADP
fbem-12158	121	3	the	the	DET
fbem-12158	121	4	in	in	ADP
fbem-12158	121	5	-	-	PUNCT
fbem-12158	121	6	depth	depth	NOUN
fbem-12158	121	7	development	development	NOUN
fbem-12158	121	8	of	of	ADP
fbem-12158	121	9	interest	interest	NOUN
fbem-12158	121	10	rate	rate	NOUN
fbem-12158	121	11	marketoriented	marketoriente	VERB
fbem-12158	121	12	reform	reform	NOUN
fbem-12158	121	13	and	and	CCONJ
fbem-12158	121	14	the	the	DET
fbem-12158	121	15	great	great	ADJ
fbem-12158	121	16	changes	change	NOUN
fbem-12158	121	17	in	in	ADP
fbem-12158	121	18	the	the	DET
fbem-12158	121	19	domestic	domestic	ADJ
fbem-12158	121	20	and	and	CCONJ
fbem-12158	121	21	foreign	foreign	ADJ
fbem-12158	121	22	financial	financial	ADJ
fbem-12158	121	23	industry	industry	NOUN
fbem-12158	121	24	,	,	PUNCT
fbem-12158	121	25	the	the	DET
fbem-12158	121	26	development	development	NOUN
fbem-12158	121	27	situation	situation	NOUN
fbem-12158	121	28	and	and	CCONJ
fbem-12158	121	29	business	business	NOUN
fbem-12158	121	30	model	model	NOUN
fbem-12158	121	31	of	of	ADP
fbem-12158	121	32	china	china	PROPN
fbem-12158	121	33	's	's	PART
fbem-12158	121	34	banking	banking	NOUN
fbem-12158	121	35	industry	industry	NOUN
fbem-12158	121	36	have	have	AUX
fbem-12158	121	37	also	also	ADV
fbem-12158	121	38	undergone	undergo	VERB
fbem-12158	121	39	great	great	ADJ
fbem-12158	121	40	changes	change	NOUN
fbem-12158	121	41	,	,	PUNCT
fbem-12158	121	42	one	one	NUM
fbem-12158	121	43	of	of	ADP
fbem-12158	121	44	the	the	DET
fbem-12158	121	45	significant	significant	ADJ
fbem-12158	121	46	trends	trend	NOUN
fbem-12158	121	47	is	be	AUX
fbem-12158	121	48	the	the	DET
fbem-12158	121	49	diversification	diversification	NOUN
fbem-12158	121	50	of	of	ADP
fbem-12158	121	51	bank	bank	NOUN
fbem-12158	121	52	income	income	NOUN
fbem-12158	121	53	structure	structure	NOUN
fbem-12158	121	54	.	.	PUNCT
fbem-12158	122	1	in	in	ADP
fbem-12158	122	2	this	this	DET
fbem-12158	122	3	regard	regard	NOUN
fbem-12158	122	4	,	,	PUNCT
fbem-12158	122	5	the	the	DET
fbem-12158	122	6	academic	academic	ADJ
fbem-12158	122	7	community	community	NOUN
fbem-12158	122	8	generally	generally	ADV
fbem-12158	122	9	believes	believe	VERB
fbem-12158	122	10	that	that	SCONJ
fbem-12158	122	11	this	this	PRON
fbem-12158	122	12	is	be	AUX
fbem-12158	122	13	due	due	ADJ
fbem-12158	122	14	to	to	ADP
fbem-12158	122	15	the	the	DET
fbem-12158	122	16	influence	influence	NOUN
fbem-12158	122	17	of	of	ADP
fbem-12158	122	18	domestic	domestic	ADJ
fbem-12158	122	19	and	and	CCONJ
fbem-12158	122	20	foreign	foreign	ADJ
fbem-12158	122	21	financial	financial	ADJ
fbem-12158	122	22	development	development	NOUN
fbem-12158	122	23	forms	form	NOUN
fbem-12158	122	24	and	and	CCONJ
fbem-12158	122	25	china	china	PROPN
fbem-12158	122	26	's	's	PART
fbem-12158	122	27	reform	reform	NOUN
fbem-12158	122	28	policies	policy	NOUN
fbem-12158	122	29	and	and	CCONJ
fbem-12158	122	30	measures	measure	NOUN
fbem-12158	122	31	,	,	PUNCT
fbem-12158	122	32	the	the	DET
fbem-12158	122	33	bank	bank	NOUN
fbem-12158	122	34	's	's	PART
fbem-12158	122	35	business	business	NOUN
fbem-12158	122	36	model	model	NOUN
fbem-12158	122	37	relying	rely	VERB
fbem-12158	122	38	on	on	ADP
fbem-12158	122	39	traditional	traditional	ADJ
fbem-12158	122	40	deposit	deposit	NOUN
fbem-12158	122	41	and	and	CCONJ
fbem-12158	122	42	loan	loan	NOUN
fbem-12158	122	43	interest	interest	NOUN
fbem-12158	122	44	income	income	NOUN
fbem-12158	122	45	as	as	SCONJ
fbem-12158	122	46	the	the	DET
fbem-12158	122	47	main	main	ADJ
fbem-12158	122	48	source	source	NOUN
fbem-12158	122	49	of	of	ADP
fbem-12158	122	50	income	income	NOUN
fbem-12158	122	51	has	have	AUX
fbem-12158	122	52	been	be	AUX
fbem-12158	122	53	impacted	impact	VERB
fbem-12158	122	54	,	,	PUNCT
fbem-12158	122	55	so	so	CCONJ
fbem-12158	122	56	it	it	PRON
fbem-12158	122	57	has	have	AUX
fbem-12158	122	58	turned	turn	VERB
fbem-12158	122	59	to	to	ADP
fbem-12158	122	60	the	the	DET
fbem-12158	122	61	development	development	NOUN
fbem-12158	122	62	of	of	ADP
fbem-12158	122	63	non	non	ADJ
fbem-12158	122	64	-	-	ADJ
fbem-12158	122	65	interest	interest	ADJ
fbem-12158	122	66	income	income	NOUN
fbem-12158	122	67	.	.	PUNCT
fbem-12158	123	1	however	however	ADV
fbem-12158	123	2	,	,	PUNCT
fbem-12158	123	3	while	while	SCONJ
fbem-12158	123	4	economic	economic	ADJ
fbem-12158	123	5	policy	policy	NOUN
fbem-12158	123	6	changes	change	NOUN
fbem-12158	123	7	effectively	effectively	ADV
fbem-12158	123	8	respond	respond	VERB
fbem-12158	123	9	to	to	ADP
fbem-12158	123	10	changes	change	NOUN
fbem-12158	123	11	in	in	ADP
fbem-12158	123	12	the	the	DET
fbem-12158	123	13	financial	financial	ADJ
fbem-12158	123	14	environment	environment	NOUN
fbem-12158	123	15	,	,	PUNCT
fbem-12158	123	16	they	they	PRON
fbem-12158	123	17	will	will	AUX
fbem-12158	123	18	also	also	ADV
fbem-12158	123	19	exacerbate	exacerbate	VERB
fbem-12158	123	20	economic	economic	ADJ
fbem-12158	123	21	policy	policy	NOUN
fbem-12158	123	22	uncertainty	uncertainty	NOUN
fbem-12158	123	23	,	,	PUNCT
fbem-12158	123	24	which	which	PRON
fbem-12158	123	25	in	in	ADP
fbem-12158	123	26	turn	turn	NOUN
fbem-12158	123	27	will	will	AUX
fbem-12158	123	28	have	have	VERB
fbem-12158	123	29	a	a	DET
fbem-12158	123	30	new	new	ADJ
fbem-12158	123	31	impact	impact	NOUN
fbem-12158	123	32	on	on	ADP
fbem-12158	123	33	the	the	DET
fbem-12158	123	34	income	income	NOUN
fbem-12158	123	35	structure	structure	NOUN
fbem-12158	123	36	of	of	ADP
fbem-12158	123	37	banks	bank	NOUN
fbem-12158	123	38	.	.	PUNCT
fbem-12158	124	1	the	the	DET
fbem-12158	124	2	following	follow	VERB
fbem-12158	124	3	recommendations	recommendation	NOUN
fbem-12158	124	4	are	be	AUX
fbem-12158	124	5	put	put	VERB
fbem-12158	124	6	forward	forward	ADV
fbem-12158	124	7	:	:	PUNCT
fbem-12158	125	1	1	1	X
fbem-12158	125	2	.	.	X
fbem-12158	125	3	the	the	DET
fbem-12158	125	4	change	change	NOUN
fbem-12158	125	5	of	of	ADP
fbem-12158	125	6	rmb	rmb	PROPN
fbem-12158	125	7	exchange	exchange	NOUN
fbem-12158	125	8	rate	rate	NOUN
fbem-12158	125	9	has	have	VERB
fbem-12158	125	10	both	both	CCONJ
fbem-12158	125	11	favorable	favorable	ADJ
fbem-12158	125	12	and	and	CCONJ
fbem-12158	125	13	unfavorable	unfavorable	ADJ
fbem-12158	125	14	aspects	aspect	NOUN
fbem-12158	125	15	for	for	ADP
fbem-12158	125	16	the	the	DET
fbem-12158	125	17	development	development	NOUN
fbem-12158	125	18	of	of	ADP
fbem-12158	125	19	china	china	PROPN
fbem-12158	125	20	's	's	PART
fbem-12158	125	21	commercial	commercial	ADJ
fbem-12158	125	22	banks	bank	NOUN
fbem-12158	125	23	.	.	PUNCT
fbem-12158	126	1	in	in	ADP
fbem-12158	126	2	the	the	DET
fbem-12158	126	3	face	face	NOUN
fbem-12158	126	4	of	of	ADP
fbem-12158	126	5	exchange	exchange	NOUN
fbem-12158	126	6	rate	rate	NOUN
fbem-12158	126	7	risks	risk	NOUN
fbem-12158	126	8	,	,	PUNCT
fbem-12158	126	9	commercial	commercial	ADJ
fbem-12158	126	10	banks	bank	NOUN
fbem-12158	126	11	should	should	AUX
fbem-12158	126	12	effectively	effectively	ADV
fbem-12158	126	13	change	change	VERB
fbem-12158	126	14	their	their	PRON
fbem-12158	126	15	traditional	traditional	ADJ
fbem-12158	126	16	mindset	mindset	NOUN
fbem-12158	126	17	,	,	PUNCT
fbem-12158	126	18	actively	actively	ADV
fbem-12158	126	19	create	create	VERB
fbem-12158	126	20	new	new	ADJ
fbem-12158	126	21	profit	profit	NOUN
fbem-12158	126	22	margins	margin	NOUN
fbem-12158	126	23	,	,	PUNCT
fbem-12158	126	24	and	and	CCONJ
fbem-12158	126	25	launch	launch	VERB
fbem-12158	126	26	new	new	ADJ
fbem-12158	126	27	foreign	foreign	ADJ
fbem-12158	126	28	exchange	exchange	NOUN
fbem-12158	126	29	wealth	wealth	NOUN
fbem-12158	126	30	management	management	NOUN
fbem-12158	126	31	products	product	NOUN
fbem-12158	126	32	in	in	ADP
fbem-12158	126	33	a	a	DET
fbem-12158	126	34	timely	timely	ADJ
fbem-12158	126	35	manner	manner	NOUN
fbem-12158	126	36	according	accord	VERB
fbem-12158	126	37	to	to	ADP
fbem-12158	126	38	different	different	ADJ
fbem-12158	126	39	customer	customer	NOUN
fbem-12158	126	40	needs	need	VERB
fbem-12158	126	41	,	,	PUNCT
fbem-12158	126	42	so	so	SCONJ
fbem-12158	126	43	as	as	SCONJ
fbem-12158	126	44	to	to	PART
fbem-12158	126	45	effectively	effectively	ADV
fbem-12158	126	46	avoid	avoid	VERB
fbem-12158	126	47	and	and	CCONJ
fbem-12158	126	48	control	control	VERB
fbem-12158	126	49	exchange	exchange	NOUN
fbem-12158	126	50	rate	rate	NOUN
fbem-12158	126	51	risks	risk	NOUN
fbem-12158	126	52	.	.	PUNCT
fbem-12158	127	1	in	in	ADP
fbem-12158	127	2	the	the	DET
fbem-12158	127	3	era	era	NOUN
fbem-12158	127	4	of	of	ADP
fbem-12158	127	5	floating	float	VERB
fbem-12158	127	6	exchange	exchange	NOUN
fbem-12158	127	7	rates	rate	NOUN
fbem-12158	127	8	,	,	PUNCT
fbem-12158	127	9	china	china	PROPN
fbem-12158	127	10	's	's	PART
fbem-12158	127	11	commercial	commercial	ADJ
fbem-12158	127	12	banks	bank	NOUN
fbem-12158	127	13	must	must	AUX
fbem-12158	127	14	change	change	VERB
fbem-12158	127	15	their	their	PRON
fbem-12158	127	16	thinking	thinking	NOUN
fbem-12158	127	17	under	under	ADP
fbem-12158	127	18	the	the	DET
fbem-12158	127	19	traditional	traditional	ADJ
fbem-12158	127	20	system	system	NOUN
fbem-12158	127	21	and	and	CCONJ
fbem-12158	127	22	respond	respond	VERB
fbem-12158	127	23	to	to	ADP
fbem-12158	127	24	exchange	exchange	NOUN
fbem-12158	127	25	rate	rate	NOUN
fbem-12158	127	26	changes	change	NOUN
fbem-12158	127	27	in	in	ADP
fbem-12158	127	28	a	a	DET
fbem-12158	127	29	market	market	NOUN
fbem-12158	127	30	-	-	PUNCT
fbem-12158	127	31	oriented	orient	VERB
fbem-12158	127	32	manner	manner	NOUN
fbem-12158	127	33	.	.	PUNCT
fbem-12158	128	1	commercial	commercial	ADJ
fbem-12158	128	2	banks	bank	NOUN
fbem-12158	128	3	should	should	AUX
fbem-12158	128	4	actively	actively	ADV
fbem-12158	128	5	create	create	VERB
fbem-12158	128	6	a	a	DET
fbem-12158	128	7	new	new	ADJ
fbem-12158	128	8	market	market	NOUN
fbem-12158	128	9	for	for	ADP
fbem-12158	128	10	foreign	foreign	ADJ
fbem-12158	128	11	exchange	exchange	NOUN
fbem-12158	128	12	wealth	wealth	NOUN
fbem-12158	128	13	management	management	NOUN
fbem-12158	128	14	,	,	PUNCT
fbem-12158	128	15	such	such	ADJ
fbem-12158	128	16	as	as	ADP
fbem-12158	128	17	giving	give	VERB
fbem-12158	128	18	full	full	ADJ
fbem-12158	128	19	play	play	NOUN
fbem-12158	128	20	to	to	ADP
fbem-12158	128	21	the	the	DET
fbem-12158	128	22	advantages	advantage	NOUN
fbem-12158	128	23	of	of	ADP
fbem-12158	128	24	rmb	rmb	ADJ
fbem-12158	128	25	foreign	foreign	ADJ
fbem-12158	128	26	exchange	exchange	NOUN
fbem-12158	128	27	trading	trading	NOUN
fbem-12158	128	28	market	market	NOUN
fbem-12158	128	29	makers	maker	NOUN
fbem-12158	128	30	,	,	PUNCT
fbem-12158	128	31	and	and	CCONJ
fbem-12158	128	32	using	use	VERB
fbem-12158	128	33	overseas	overseas	ADJ
fbem-12158	128	34	institutional	institutional	ADJ
fbem-12158	128	35	networks	network	NOUN
fbem-12158	128	36	to	to	PART
fbem-12158	128	37	accelerate	accelerate	VERB
fbem-12158	128	38	the	the	DET
fbem-12158	128	39	internationalization	internationalization	NOUN
fbem-12158	128	40	process	process	NOUN
fbem-12158	128	41	of	of	ADP
fbem-12158	128	42	banks	bank	NOUN
fbem-12158	128	43	;	;	PUNCT
fbem-12158	128	44	on	on	ADP
fbem-12158	128	45	the	the	DET
fbem-12158	128	46	basis	basis	NOUN
fbem-12158	128	47	of	of	ADP
fbem-12158	128	48	actively	actively	ADV
fbem-12158	128	49	guiding	guide	VERB
fbem-12158	128	50	customers	customer	NOUN
fbem-12158	128	51	to	to	PART
fbem-12158	128	52	enhance	enhance	VERB
fbem-12158	128	53	their	their	PRON
fbem-12158	128	54	understanding	understanding	NOUN
fbem-12158	128	55	of	of	ADP
fbem-12158	128	56	the	the	DET
fbem-12158	128	57	rmb	rmb	PROPN
fbem-12158	128	58	exchange	exchange	NOUN
fbem-12158	128	59	rate	rate	NOUN
fbem-12158	128	60	mechanism	mechanism	NOUN
fbem-12158	128	61	,	,	PUNCT
fbem-12158	128	62	accelerate	accelerate	VERB
fbem-12158	128	63	business	business	NOUN
fbem-12158	128	64	innovation	innovation	NOUN
fbem-12158	128	65	and	and	CCONJ
fbem-12158	128	66	provide	provide	VERB
fbem-12158	128	67	customers	customer	NOUN
fbem-12158	128	68	with	with	ADP
fbem-12158	128	69	corresponding	corresponding	ADJ
fbem-12158	128	70	hedging	hedging	NOUN
fbem-12158	128	71	,	,	PUNCT
fbem-12158	128	72	value	value	NOUN
fbem-12158	128	73	preservation	preservation	NOUN
fbem-12158	128	74	and	and	CCONJ
fbem-12158	128	75	high	high	ADJ
fbem-12158	128	76	valueadded	valueadde	VERB
fbem-12158	128	77	products	product	NOUN
fbem-12158	128	78	and	and	CCONJ
fbem-12158	128	79	services	service	NOUN
fbem-12158	128	80	;	;	PUNCT
fbem-12158	128	81	actively	actively	ADV
fbem-12158	128	82	develop	develop	VERB
fbem-12158	128	83	risk	risk	NOUN
fbem-12158	128	84	management	management	NOUN
fbem-12158	128	85	products	product	NOUN
fbem-12158	128	86	,	,	PUNCT
fbem-12158	128	87	risk	risk	NOUN
fbem-12158	128	88	hedging	hedging	NOUN
fbem-12158	128	89	products	product	NOUN
fbem-12158	128	90	and	and	CCONJ
fbem-12158	128	91	investment	investment	NOUN
fbem-12158	128	92	products	product	NOUN
fbem-12158	128	93	,	,	PUNCT
fbem-12158	128	94	comprehensively	comprehensively	ADV
fbem-12158	128	95	use	use	VERB
fbem-12158	128	96	interest	interest	NOUN
fbem-12158	128	97	rates	rate	NOUN
fbem-12158	128	98	,	,	PUNCT
fbem-12158	128	99	exchange	exchange	NOUN
fbem-12158	128	100	rates	rate	NOUN
fbem-12158	128	101	and	and	CCONJ
fbem-12158	128	102	other	other	ADJ
fbem-12158	128	103	value	value	NOUN
fbem-12158	128	104	interaction	interaction	NOUN
fbem-12158	128	105	mechanisms	mechanism	NOUN
fbem-12158	128	106	,	,	PUNCT
fbem-12158	128	107	and	and	CCONJ
fbem-12158	128	108	adopt	adopt	VERB
fbem-12158	128	109	different	different	ADJ
fbem-12158	128	110	pricing	pricing	NOUN
fbem-12158	128	111	policies	policy	NOUN
fbem-12158	128	112	for	for	ADP
fbem-12158	128	113	import	import	NOUN
fbem-12158	128	114	and	and	CCONJ
fbem-12158	128	115	export	export	NOUN
fbem-12158	128	116	enterprises	enterprise	NOUN
fbem-12158	128	117	;	;	PUNCT
fbem-12158	128	118	strengthen	strengthen	VERB
fbem-12158	128	119	the	the	DET
fbem-12158	128	120	research	research	NOUN
fbem-12158	128	121	and	and	CCONJ
fbem-12158	128	122	practice	practice	NOUN
fbem-12158	128	123	of	of	ADP
fbem-12158	128	124	exchange	exchange	NOUN
fbem-12158	128	125	rate	rate	NOUN
fbem-12158	128	126	risk	risk	NOUN
fbem-12158	128	127	management	management	NOUN
fbem-12158	128	128	,	,	PUNCT
fbem-12158	128	129	pay	pay	VERB
fbem-12158	128	130	close	close	ADJ
fbem-12158	128	131	attention	attention	NOUN
fbem-12158	128	132	to	to	ADP
fbem-12158	128	133	exchange	exchange	NOUN
fbem-12158	128	134	rate	rate	NOUN
fbem-12158	128	135	trends	trend	NOUN
fbem-12158	128	136	,	,	PUNCT
fbem-12158	128	137	effectively	effectively	ADV
fbem-12158	128	138	control	control	VERB
fbem-12158	128	139	exchange	exchange	NOUN
fbem-12158	128	140	rate	rate	NOUN
fbem-12158	128	141	risk	risk	NOUN
fbem-12158	128	142	exposure	exposure	NOUN
fbem-12158	128	143	,	,	PUNCT
fbem-12158	128	144	and	and	CCONJ
fbem-12158	128	145	try	try	VERB
fbem-12158	128	146	to	to	PART
fbem-12158	128	147	avoid	avoid	VERB
fbem-12158	128	148	exchange	exchange	NOUN
fbem-12158	128	149	rate	rate	NOUN
fbem-12158	128	150	risks	risk	NOUN
fbem-12158	128	151	caused	cause	VERB
fbem-12158	128	152	by	by	ADP
fbem-12158	128	153	exchange	exchange	NOUN
fbem-12158	128	154	rate	rate	NOUN
fbem-12158	128	155	price	price	NOUN
fbem-12158	128	156	fluctuations	fluctuation	NOUN
fbem-12158	128	157	.	.	PUNCT
fbem-12158	129	1	strengthen	strengthen	VERB
fbem-12158	129	2	the	the	DET
fbem-12158	129	3	risk	risk	NOUN
fbem-12158	129	4	management	management	NOUN
fbem-12158	129	5	system	system	NOUN
fbem-12158	129	6	.	.	PUNCT
fbem-12158	130	1	to	to	PART
fbem-12158	130	2	improve	improve	VERB
fbem-12158	130	3	the	the	DET
fbem-12158	130	4	forecasting	forecasting	NOUN
fbem-12158	130	5	mechanism	mechanism	NOUN
fbem-12158	130	6	for	for	ADP
fbem-12158	130	7	rmb	rmb	NOUN
fbem-12158	130	8	exchange	exchange	NOUN
fbem-12158	130	9	rate	rate	NOUN
fbem-12158	130	10	changes	change	NOUN
fbem-12158	130	11	,	,	PUNCT
fbem-12158	130	12	reduce	reduce	VERB
fbem-12158	130	13	the	the	DET
fbem-12158	130	14	difficulty	difficulty	NOUN
fbem-12158	130	15	of	of	ADP
fbem-12158	130	16	managing	manage	VERB
fbem-12158	130	17	exchange	exchange	NOUN
fbem-12158	130	18	rate	rate	NOUN
fbem-12158	130	19	risks	risk	NOUN
fbem-12158	130	20	for	for	ADP
fbem-12158	130	21	commercial	commercial	ADJ
fbem-12158	130	22	banks	bank	NOUN
fbem-12158	130	23	,	,	PUNCT
fbem-12158	130	24	continuously	continuously	ADV
fbem-12158	130	25	revise	revise	VERB
fbem-12158	130	26	the	the	DET
fbem-12158	130	27	forecast	forecast	NOUN
fbem-12158	130	28	mechanism	mechanism	NOUN
fbem-12158	130	29	,	,	PUNCT
fbem-12158	130	30	and	and	CCONJ
fbem-12158	130	31	improve	improve	VERB
fbem-12158	130	32	the	the	DET
fbem-12158	130	33	initiative	initiative	NOUN
fbem-12158	130	34	of	of	ADP
fbem-12158	130	35	exchange	exchange	NOUN
fbem-12158	130	36	rate	rate	NOUN
fbem-12158	130	37	risk	risk	NOUN
fbem-12158	130	38	management	management	NOUN
fbem-12158	130	39	.	.	PUNCT
fbem-12158	131	1	improve	improve	VERB
fbem-12158	131	2	the	the	DET
fbem-12158	131	3	risk	risk	NOUN
fbem-12158	131	4	control	control	NOUN
fbem-12158	131	5	of	of	ADP
fbem-12158	131	6	three	three	NUM
fbem-12158	131	7	-	-	PUNCT
fbem-12158	131	8	level	level	NOUN
fbem-12158	131	9	business	business	NOUN
fbem-12158	131	10	units	unit	NOUN
fbem-12158	131	11	,	,	PUNCT
fbem-12158	131	12	form	form	VERB
fbem-12158	131	13	a	a	DET
fbem-12158	131	14	risk	risk	NOUN
fbem-12158	131	15	management	management	NOUN
fbem-12158	131	16	organizational	organizational	ADJ
fbem-12158	131	17	framework	framework	NOUN
fbem-12158	131	18	,	,	PUNCT
fbem-12158	131	19	and	and	CCONJ
fbem-12158	131	20	establish	establish	VERB
fbem-12158	131	21	an	an	DET
fbem-12158	131	22	effective	effective	ADJ
fbem-12158	131	23	internal	internal	ADJ
fbem-12158	131	24	control	control	NOUN
fbem-12158	131	25	mechanism	mechanism	NOUN
fbem-12158	131	26	.	.	PUNCT
fbem-12158	132	1	2	2	X
fbem-12158	132	2	.	.	X
fbem-12158	132	3	ensure	ensure	VERB
fbem-12158	132	4	the	the	DET
fbem-12158	132	5	stable	stable	ADJ
fbem-12158	132	6	growth	growth	NOUN
fbem-12158	132	7	of	of	ADP
fbem-12158	132	8	net	net	ADJ
fbem-12158	132	9	interest	interest	NOUN
fbem-12158	132	10	income	income	NOUN
fbem-12158	132	11	and	and	CCONJ
fbem-12158	132	12	lay	lie	VERB
fbem-12158	132	13	the	the	DET
fbem-12158	132	14	foundation	foundation	NOUN
fbem-12158	132	15	for	for	ADP
fbem-12158	132	16	optimizing	optimize	VERB
fbem-12158	132	17	the	the	DET
fbem-12158	132	18	income	income	NOUN
fbem-12158	132	19	structure	structure	NOUN
fbem-12158	132	20	.	.	PUNCT
fbem-12158	133	1	according	accord	VERB
fbem-12158	133	2	to	to	ADP
fbem-12158	133	3	the	the	DET
fbem-12158	133	4	results	result	NOUN
fbem-12158	133	5	of	of	ADP
fbem-12158	133	6	the	the	DET
fbem-12158	133	7	return	return	NOUN
fbem-12158	133	8	,	,	PUNCT
fbem-12158	133	9	the	the	DET
fbem-12158	133	10	income	income	NOUN
fbem-12158	133	11	obtained	obtain	VERB
fbem-12158	133	12	through	through	ADP
fbem-12158	133	13	the	the	DET
fbem-12158	133	14	deposit	deposit	NOUN
fbem-12158	133	15	and	and	CCONJ
fbem-12158	133	16	loan	loan	NOUN
fbem-12158	133	17	business	business	NOUN
fbem-12158	133	18	is	be	AUX
fbem-12158	133	19	still	still	ADV
fbem-12158	133	20	the	the	DET
fbem-12158	133	21	main	main	ADJ
fbem-12158	133	22	income	income	NOUN
fbem-12158	133	23	of	of	ADP
fbem-12158	133	24	china	china	PROPN
fbem-12158	133	25	's	's	PART
fbem-12158	133	26	commercial	commercial	ADJ
fbem-12158	133	27	banks	bank	NOUN
fbem-12158	133	28	,	,	PUNCT
fbem-12158	133	29	and	and	CCONJ
fbem-12158	133	30	the	the	DET
fbem-12158	133	31	development	development	NOUN
fbem-12158	133	32	of	of	ADP
fbem-12158	133	33	banks	bank	NOUN
fbem-12158	133	34	in	in	ADP
fbem-12158	133	35	the	the	DET
fbem-12158	133	36	traditional	traditional	ADJ
fbem-12158	133	37	interest	interest	NOUN
fbem-12158	133	38	rate	rate	NOUN
fbem-12158	133	39	income	income	NOUN
fbem-12158	133	40	business	business	NOUN
fbem-12158	133	41	has	have	AUX
fbem-12158	133	42	been	be	AUX
fbem-12158	133	43	relatively	relatively	ADV
fbem-12158	133	44	mature	mature	ADJ
fbem-12158	133	45	,	,	PUNCT
fbem-12158	133	46	and	and	CCONJ
fbem-12158	133	47	there	there	PRON
fbem-12158	133	48	are	be	VERB
fbem-12158	133	49	also	also	ADV
fbem-12158	133	50	certain	certain	ADJ
fbem-12158	133	51	management	management	NOUN
fbem-12158	133	52	and	and	CCONJ
fbem-12158	133	53	operation	operation	NOUN
fbem-12158	133	54	methods	method	NOUN
fbem-12158	133	55	.	.	PUNCT
fbem-12158	134	1	based	base	VERB
fbem-12158	134	2	on	on	ADP
fbem-12158	134	3	the	the	DET
fbem-12158	134	4	experience	experience	NOUN
fbem-12158	134	5	of	of	ADP
fbem-12158	134	6	successful	successful	ADJ
fbem-12158	134	7	transformation	transformation	NOUN
fbem-12158	134	8	of	of	ADP
fbem-12158	134	9	profitability	profitability	NOUN
fbem-12158	134	10	methods	method	NOUN
fbem-12158	134	11	in	in	ADP
fbem-12158	134	12	foreign	foreign	ADJ
fbem-12158	134	13	commercial	commercial	ADJ
fbem-12158	134	14	banks	bank	NOUN
fbem-12158	134	15	,	,	PUNCT
fbem-12158	134	16	it	it	PRON
fbem-12158	134	17	is	be	AUX
fbem-12158	134	18	necessary	necessary	ADJ
fbem-12158	134	19	to	to	PART
fbem-12158	134	20	maintain	maintain	VERB
fbem-12158	134	21	a	a	DET
fbem-12158	134	22	reasonable	reasonable	ADJ
fbem-12158	134	23	level	level	NOUN
fbem-12158	134	24	of	of	ADP
fbem-12158	134	25	net	net	ADJ
fbem-12158	134	26	interest	interest	NOUN
fbem-12158	134	27	margin	margin	NOUN
fbem-12158	134	28	in	in	ADP
fbem-12158	134	29	order	order	NOUN
fbem-12158	134	30	to	to	PART
fbem-12158	134	31	maintain	maintain	VERB
fbem-12158	134	32	profitability	profitability	NOUN
fbem-12158	134	33	at	at	ADP
fbem-12158	134	34	a	a	DET
fbem-12158	134	35	high	high	ADJ
fbem-12158	134	36	level	level	NOUN
fbem-12158	134	37	.	.	PUNCT
fbem-12158	135	1	in	in	ADP
fbem-12158	135	2	the	the	DET
fbem-12158	135	3	future	future	ADJ
fbem-12158	135	4	optimization	optimization	NOUN
fbem-12158	135	5	of	of	ADP
fbem-12158	135	6	revenue	revenue	NOUN
fbem-12158	135	7	structure	structure	NOUN
fbem-12158	135	8	,	,	PUNCT
fbem-12158	135	9	commercial	commercial	ADJ
fbem-12158	135	10	banks	bank	NOUN
fbem-12158	135	11	should	should	AUX
fbem-12158	135	12	still	still	ADV
fbem-12158	135	13	strive	strive	VERB
fbem-12158	135	14	to	to	PART
fbem-12158	135	15	promote	promote	VERB
fbem-12158	135	16	the	the	DET
fbem-12158	135	17	sustainable	sustainable	ADJ
fbem-12158	135	18	development	development	NOUN
fbem-12158	135	19	and	and	CCONJ
fbem-12158	135	20	stable	stable	ADJ
fbem-12158	135	21	growth	growth	NOUN
fbem-12158	135	22	of	of	ADP
fbem-12158	135	23	interest	interest	NOUN
fbem-12158	135	24	rate	rate	NOUN
fbem-12158	135	25	spread	spread	NOUN
fbem-12158	135	26	business	business	NOUN
fbem-12158	135	27	,	,	PUNCT
fbem-12158	135	28	so	so	SCONJ
fbem-12158	135	29	as	as	SCONJ
fbem-12158	135	30	to	to	PART
fbem-12158	135	31	ensure	ensure	VERB
fbem-12158	135	32	that	that	SCONJ
fbem-12158	135	33	they	they	PRON
fbem-12158	135	34	generate	generate	VERB
fbem-12158	135	35	revenue	revenue	NOUN
fbem-12158	135	36	for	for	ADP
fbem-12158	135	37	commercial	commercial	ADJ
fbem-12158	135	38	banks	bank	NOUN
fbem-12158	135	39	,	,	PUNCT
fbem-12158	135	40	and	and	CCONJ
fbem-12158	135	41	at	at	ADP
fbem-12158	135	42	the	the	DET
fbem-12158	135	43	same	same	ADJ
fbem-12158	135	44	time	time	NOUN
fbem-12158	135	45	lay	lie	VERB
fbem-12158	135	46	a	a	DET
fbem-12158	135	47	solid	solid	ADJ
fbem-12158	135	48	foundation	foundation	NOUN
fbem-12158	135	49	and	and	CCONJ
fbem-12158	135	50	provide	provide	VERB
fbem-12158	135	51	reliable	reliable	ADJ
fbem-12158	135	52	support	support	NOUN
fbem-12158	135	53	for	for	SCONJ
fbem-12158	135	54	them	they	PRON
fbem-12158	135	55	to	to	PART
fbem-12158	135	56	diversify	diversify	VERB
fbem-12158	135	57	their	their	PRON
fbem-12158	135	58	operations	operation	NOUN
fbem-12158	135	59	,	,	PUNCT
fbem-12158	135	60	explore	explore	VERB
fbem-12158	135	61	new	new	ADJ
fbem-12158	135	62	revenue	revenue	NOUN
fbem-12158	135	63	growth	growth	NOUN
fbem-12158	135	64	points	point	NOUN
fbem-12158	135	65	,	,	PUNCT
fbem-12158	135	66	and	and	CCONJ
fbem-12158	135	67	optimize	optimize	VERB
fbem-12158	135	68	their	their	PRON
fbem-12158	135	69	income	income	NOUN
fbem-12158	135	70	composition	composition	NOUN
fbem-12158	135	71	.	.	PUNCT
fbem-12158	136	1	in	in	ADP
fbem-12158	136	2	order	order	NOUN
fbem-12158	136	3	to	to	PART
fbem-12158	136	4	continue	continue	VERB
fbem-12158	136	5	to	to	PART
fbem-12158	136	6	leverage	leverage	VERB
fbem-12158	136	7	the	the	DET
fbem-12158	136	8	advantages	advantage	NOUN
fbem-12158	136	9	of	of	ADP
fbem-12158	136	10	credit	credit	NOUN
fbem-12158	136	11	business	business	NOUN
fbem-12158	136	12	level	level	NOUN
fbem-12158	136	13	,	,	PUNCT
fbem-12158	136	14	we	we	PRON
fbem-12158	136	15	should	should	AUX
fbem-12158	136	16	develop	develop	VERB
fbem-12158	136	17	innovative	innovative	ADJ
fbem-12158	136	18	credit	credit	NOUN
fbem-12158	136	19	asset	asset	NOUN
fbem-12158	136	20	business	business	NOUN
fbem-12158	136	21	.	.	PUNCT
fbem-12158	137	1	the	the	DET
fbem-12158	137	2	best	good	ADJ
fbem-12158	137	3	operating	operate	VERB
fbem-12158	137	4	situation	situation	NOUN
fbem-12158	137	5	is	be	AUX
fbem-12158	137	6	to	to	PART
fbem-12158	137	7	maintain	maintain	VERB
fbem-12158	137	8	continued	continued	ADJ
fbem-12158	137	9	growth	growth	NOUN
fbem-12158	137	10	in	in	ADP
fbem-12158	137	11	net	net	ADJ
fbem-12158	137	12	interest	interest	NOUN
fbem-12158	137	13	income	income	NOUN
fbem-12158	137	14	and	and	CCONJ
fbem-12158	137	15	steady	steady	ADJ
fbem-12158	137	16	non	non	ADJ
fbem-12158	137	17	-	-	ADJ
fbem-12158	137	18	performing	perform	VERB
fbem-12158	137	19	income	income	NOUN
fbem-12158	137	20	.	.	PUNCT
fbem-12158	138	1	non	non	ADJ
fbem-12158	138	2	-	-	ADJ
fbem-12158	138	3	interest	interest	ADJ
fbem-12158	138	4	income	income	NOUN
fbem-12158	138	5	is	be	AUX
fbem-12158	138	6	increasing	increase	VERB
fbem-12158	138	7	and	and	CCONJ
fbem-12158	138	8	accelerating	accelerate	VERB
fbem-12158	138	9	.	.	PUNCT
fbem-12158	139	1	under	under	ADP
fbem-12158	139	2	the	the	DET
fbem-12158	139	3	condition	condition	NOUN
fbem-12158	139	4	that	that	SCONJ
fbem-12158	139	5	both	both	PRON
fbem-12158	139	6	net	net	ADJ
fbem-12158	139	7	interest	interest	NOUN
fbem-12158	139	8	income	income	NOUN
fbem-12158	139	9	and	and	CCONJ
fbem-12158	139	10	non	non	ADJ
fbem-12158	139	11	-	-	ADJ
fbem-12158	139	12	interest	interest	ADJ
fbem-12158	139	13	income	income	NOUN
fbem-12158	139	14	are	be	AUX
fbem-12158	139	15	growing	grow	VERB
fbem-12158	139	16	,	,	PUNCT
fbem-12158	139	17	the	the	DET
fbem-12158	139	18	proportion	proportion	NOUN
fbem-12158	139	19	of	of	ADP
fbem-12158	139	20	net	net	ADJ
fbem-12158	139	21	interest	interest	NOUN
fbem-12158	139	22	income	income	NOUN
fbem-12158	139	23	and	and	CCONJ
fbem-12158	139	24	the	the	DET
fbem-12158	139	25	proportion	proportion	NOUN
fbem-12158	139	26	of	of	ADP
fbem-12158	139	27	noninterest	noninter	ADJ
fbem-12158	139	28	income	income	NOUN
fbem-12158	139	29	will	will	AUX
fbem-12158	139	30	be	be	AUX
fbem-12158	139	31	stabilized	stabilize	VERB
fbem-12158	139	32	and	and	CCONJ
fbem-12158	139	33	coordinated	coordinate	VERB
fbem-12158	139	34	to	to	PART
fbem-12158	139	35	achieve	achieve	VERB
fbem-12158	139	36	equilibrium	equilibrium	NOUN
fbem-12158	139	37	,	,	PUNCT
fbem-12158	139	38	and	and	CCONJ
fbem-12158	139	39	finally	finally	ADV
fbem-12158	139	40	the	the	DET
fbem-12158	139	41	income	income	NOUN
fbem-12158	139	42	structure	structure	NOUN
fbem-12158	139	43	will	will	AUX
fbem-12158	139	44	be	be	AUX
fbem-12158	139	45	rationalized	rationalize	VERB
fbem-12158	139	46	.	.	PUNCT
fbem-12158	140	1	therefore	therefore	ADV
fbem-12158	140	2	,	,	PUNCT
fbem-12158	140	3	on	on	ADP
fbem-12158	140	4	the	the	DET
fbem-12158	140	5	basis	basis	NOUN
fbem-12158	140	6	of	of	ADP
fbem-12158	140	7	ensuring	ensure	VERB
fbem-12158	140	8	the	the	DET
fbem-12158	140	9	growth	growth	NOUN
fbem-12158	140	10	of	of	ADP
fbem-12158	140	11	net	net	ADJ
fbem-12158	140	12	interest	interest	NOUN
fbem-12158	140	13	income	income	NOUN
fbem-12158	140	14	,	,	PUNCT
fbem-12158	140	15	the	the	DET
fbem-12158	140	16	focus	focus	NOUN
fbem-12158	140	17	of	of	ADP
fbem-12158	140	18	the	the	DET
fbem-12158	140	19	income	income	NOUN
fbem-12158	140	20	structure	structure	NOUN
fbem-12158	140	21	optimization	optimization	NOUN
fbem-12158	140	22	of	of	ADP
fbem-12158	140	23	china	china	PROPN
fbem-12158	140	24	's	's	PART
fbem-12158	140	25	commercial	commercial	ADJ
fbem-12158	140	26	banks	bank	NOUN
fbem-12158	140	27	should	should	AUX
fbem-12158	140	28	be	be	AUX
fbem-12158	140	29	to	to	PART
fbem-12158	140	30	develop	develop	VERB
fbem-12158	140	31	intermediate	intermediate	ADJ
fbem-12158	140	32	business	business	NOUN
fbem-12158	140	33	outside	outside	ADP
fbem-12158	140	34	the	the	DET
fbem-12158	140	35	traditional	traditional	ADJ
fbem-12158	140	36	deposit	deposit	NOUN
fbem-12158	140	37	and	and	CCONJ
fbem-12158	140	38	loan	loan	NOUN
fbem-12158	140	39	interest	interest	NOUN
fbem-12158	140	40	rate	rate	NOUN
fbem-12158	140	41	differential	differential	NOUN
fbem-12158	140	42	,	,	PUNCT
fbem-12158	140	43	increase	increase	VERB
fbem-12158	140	44	the	the	DET
fbem-12158	140	45	proportion	proportion	NOUN
fbem-12158	140	46	of	of	ADP
fbem-12158	140	47	non	non	ADJ
fbem-12158	140	48	-	-	ADJ
fbem-12158	140	49	interest	interest	ADJ
fbem-12158	140	50	income	income	NOUN
fbem-12158	140	51	in	in	ADP
fbem-12158	140	52	operating	operate	VERB
fbem-12158	140	53	income	income	NOUN
fbem-12158	140	54	,	,	PUNCT
fbem-12158	140	55	and	and	CCONJ
fbem-12158	140	56	achieve	achieve	VERB
fbem-12158	140	57	diversified	diversified	ADJ
fbem-12158	140	58	business	business	NOUN
fbem-12158	140	59	development	development	NOUN
fbem-12158	140	60	.	.	PUNCT
fbem-12158	141	1	3	3	X
fbem-12158	141	2	.	.	X
fbem-12158	141	3	develop	develop	VERB
fbem-12158	141	4	a	a	DET
fbem-12158	141	5	reasonable	reasonable	ADJ
fbem-12158	141	6	development	development	NOUN
fbem-12158	141	7	strategy	strategy	NOUN
fbem-12158	141	8	.	.	PUNCT
fbem-12158	142	1	although	although	SCONJ
fbem-12158	142	2	the	the	DET
fbem-12158	142	3	form	form	NOUN
fbem-12158	142	4	is	be	AUX
fbem-12158	142	5	more	more	ADV
fbem-12158	142	6	special	special	ADJ
fbem-12158	142	7	,	,	PUNCT
fbem-12158	142	8	commercial	commercial	ADJ
fbem-12158	142	9	banks	bank	NOUN
fbem-12158	142	10	are	be	AUX
fbem-12158	142	11	also	also	ADV
fbem-12158	142	12	enterprises	enterprise	NOUN
fbem-12158	142	13	,	,	PUNCT
fbem-12158	142	14	so	so	ADV
fbem-12158	142	15	the	the	DET
fbem-12158	142	16	ultimate	ultimate	ADJ
fbem-12158	142	17	purpose	purpose	NOUN
fbem-12158	142	18	of	of	ADP
fbem-12158	142	19	all	all	DET
fbem-12158	142	20	commercial	commercial	ADJ
fbem-12158	142	21	banks	bank	NOUN
fbem-12158	142	22	should	should	AUX
fbem-12158	142	23	be	be	AUX
fbem-12158	142	24	to	to	PART
fbem-12158	142	25	make	make	VERB
fbem-12158	142	26	profits	profit	NOUN
fbem-12158	142	27	.	.	PUNCT
fbem-12158	143	1	under	under	ADP
fbem-12158	143	2	the	the	DET
fbem-12158	143	3	background	background	NOUN
fbem-12158	143	4	of	of	ADP
fbem-12158	143	5	the	the	DET
fbem-12158	143	6	continuous	continuous	ADJ
fbem-12158	143	7	advancement	advancement	NOUN
fbem-12158	143	8	of	of	ADP
fbem-12158	143	9	financial	financial	ADJ
fbem-12158	143	10	globalization	globalization	NOUN
fbem-12158	143	11	and	and	CCONJ
fbem-12158	143	12	the	the	DET
fbem-12158	143	13	deepening	deepening	NOUN
fbem-12158	143	14	of	of	ADP
fbem-12158	143	15	interest	interest	NOUN
fbem-12158	143	16	rate	rate	NOUN
fbem-12158	143	17	market	market	NOUN
fbem-12158	143	18	-	-	PUNCT
fbem-12158	143	19	oriented	orient	VERB
fbem-12158	143	20	reform	reform	NOUN
fbem-12158	143	21	,	,	PUNCT
fbem-12158	143	22	commercial	commercial	ADJ
fbem-12158	143	23	banks	bank	NOUN
fbem-12158	143	24	no	no	ADV
fbem-12158	143	25	longer	long	ADV
fbem-12158	143	26	simply	simply	ADV
fbem-12158	143	27	rely	rely	VERB
fbem-12158	143	28	on	on	ADP
fbem-12158	143	29	interest	interest	NOUN
fbem-12158	143	30	rate	rate	NOUN
fbem-12158	143	31	differentials	differential	NOUN
fbem-12158	143	32	as	as	ADP
fbem-12158	143	33	a	a	DET
fbem-12158	143	34	source	source	NOUN
fbem-12158	143	35	of	of	ADP
fbem-12158	143	36	income	income	NOUN
fbem-12158	143	37	,	,	PUNCT
fbem-12158	143	38	many	many	ADJ
fbem-12158	143	39	banks	bank	NOUN
fbem-12158	143	40	have	have	AUX
fbem-12158	143	41	broadened	broaden	VERB
fbem-12158	143	42	their	their	PRON
fbem-12158	143	43	business	business	NOUN
fbem-12158	143	44	areas	area	NOUN
fbem-12158	143	45	to	to	PART
fbem-12158	143	46	manage	manage	VERB
fbem-12158	143	47	funds	fund	NOUN
fbem-12158	143	48	,	,	PUNCT
fbem-12158	143	49	insurance	insurance	NOUN
fbem-12158	143	50	business	business	NOUN
fbem-12158	143	51	,	,	PUNCT
fbem-12158	143	52	private	private	ADJ
fbem-12158	143	53	banking	banking	NOUN
fbem-12158	143	54	,	,	PUNCT
fbem-12158	143	55	securities	security	NOUN
fbem-12158	143	56	investment	investment	NOUN
fbem-12158	143	57	and	and	CCONJ
fbem-12158	143	58	other	other	ADJ
fbem-12158	143	59	fields	field	NOUN
fbem-12158	143	60	,	,	PUNCT
fbem-12158	143	61	and	and	CCONJ
fbem-12158	143	62	continue	continue	VERB
fbem-12158	143	63	to	to	PART
fbem-12158	143	64	develop	develop	VERB
fbem-12158	143	65	financial	financial	ADJ
fbem-12158	143	66	service	service	NOUN
fbem-12158	143	67	products	product	NOUN
fbem-12158	143	68	that	that	PRON
fbem-12158	143	69	are	be	AUX
fbem-12158	143	70	not	not	PART
fbem-12158	143	71	available	available	ADJ
fbem-12158	143	72	in	in	ADP
fbem-12158	143	73	the	the	DET
fbem-12158	143	74	traditional	traditional	ADJ
fbem-12158	143	75	model	model	NOUN
fbem-12158	143	76	,	,	PUNCT
fbem-12158	143	77	so	so	SCONJ
fbem-12158	143	78	as	as	SCONJ
fbem-12158	143	79	to	to	PART
fbem-12158	143	80	increase	increase	VERB
fbem-12158	143	81	the	the	DET
fbem-12158	143	82	source	source	NOUN
fbem-12158	143	83	of	of	ADP
fbem-12158	143	84	operating	operate	VERB
fbem-12158	143	85	income	income	NOUN
fbem-12158	143	86	and	and	CCONJ
fbem-12158	143	87	achieve	achieve	VERB
fbem-12158	143	88	the	the	DET
fbem-12158	143	89	expansion	expansion	NOUN
fbem-12158	143	90	of	of	ADP
fbem-12158	143	91	market	market	NOUN
fbem-12158	143	92	share	share	NOUN
fbem-12158	143	93	.	.	PUNCT
fbem-12158	144	1	therefore	therefore	ADV
fbem-12158	144	2	,	,	PUNCT
fbem-12158	144	3	due	due	ADP
fbem-12158	144	4	to	to	ADP
fbem-12158	144	5	the	the	DET
fbem-12158	144	6	increasing	increase	VERB
fbem-12158	144	7	direct	direct	ADJ
fbem-12158	144	8	financing	financing	NOUN
fbem-12158	144	9	,	,	PUNCT
fbem-12158	144	10	facing	face	VERB
fbem-12158	144	11	narrowing	narrowing	NOUN
fbem-12158	144	12	of	of	ADP
fbem-12158	144	13	profit	profit	NOUN
fbem-12158	144	14	surface	surface	NOUN
fbem-12158	144	15	,	,	PUNCT
fbem-12158	144	16	shrinking	shrink	VERB
fbem-12158	144	17	of	of	ADP
fbem-12158	144	18	the	the	DET
fbem-12158	144	19	deposit	deposit	NOUN
fbem-12158	144	20	and	and	CCONJ
fbem-12158	144	21	loan	loan	NOUN
fbem-12158	144	22	business	business	NOUN
fbem-12158	144	23	market	market	NOUN
fbem-12158	144	24	,	,	PUNCT
fbem-12158	144	25	and	and	CCONJ
fbem-12158	144	26	increasing	increase	VERB
fbem-12158	144	27	risks	risk	NOUN
fbem-12158	144	28	,	,	PUNCT
fbem-12158	144	29	it	it	PRON
fbem-12158	144	30	is	be	AUX
fbem-12158	144	31	absolutely	absolutely	ADV
fbem-12158	144	32	necessary	necessary	ADJ
fbem-12158	144	33	for	for	SCONJ
fbem-12158	144	34	china	china	PROPN
fbem-12158	144	35	's	's	PART
fbem-12158	144	36	commercial	commercial	ADJ
fbem-12158	144	37	banks	bank	NOUN
fbem-12158	144	38	to	to	PART
fbem-12158	144	39	open	open	VERB
fbem-12158	144	40	up	up	ADP
fbem-12158	144	41	new	new	ADJ
fbem-12158	144	42	ways	way	NOUN
fbem-12158	144	43	and	and	CCONJ
fbem-12158	144	44	markets	market	NOUN
fbem-12158	144	45	to	to	PART
fbem-12158	144	46	generate	generate	VERB
fbem-12158	144	47	income	income	NOUN
fbem-12158	144	48	through	through	ADP
fbem-12158	144	49	diversified	diversified	ADJ
fbem-12158	144	50	business	business	NOUN
fbem-12158	144	51	.	.	PUNCT
fbem-12158	145	1	at	at	ADP
fbem-12158	145	2	the	the	DET
fbem-12158	145	3	same	same	ADJ
fbem-12158	145	4	time	time	NOUN
fbem-12158	145	5	,	,	PUNCT
fbem-12158	145	6	due	due	ADP
fbem-12158	145	7	to	to	ADP
fbem-12158	145	8	the	the	DET
fbem-12158	145	9	different	different	ADJ
fbem-12158	145	10	sources	source	NOUN
fbem-12158	145	11	of	of	ADP
fbem-12158	145	12	customers	customer	NOUN
fbem-12158	145	13	,	,	PUNCT
fbem-12158	145	14	the	the	DET
fbem-12158	145	15	capital	capital	NOUN
fbem-12158	145	16	structure	structure	NOUN
fbem-12158	145	17	and	and	CCONJ
fbem-12158	145	18	asset	asset	NOUN
fbem-12158	145	19	scale	scale	NOUN
fbem-12158	145	20	of	of	ADP
fbem-12158	145	21	commercial	commercial	ADJ
fbem-12158	145	22	banks	bank	NOUN
fbem-12158	145	23	are	be	AUX
fbem-12158	145	24	also	also	ADV
fbem-12158	145	25	different	different	ADJ
fbem-12158	145	26	.	.	PUNCT
fbem-12158	146	1	when	when	SCONJ
fbem-12158	146	2	commercial	commercial	ADJ
fbem-12158	146	3	banks	bank	NOUN
fbem-12158	146	4	conduct	conduct	VERB
fbem-12158	146	5	business	business	NOUN
fbem-12158	146	6	,	,	PUNCT
fbem-12158	146	7	they	they	PRON
fbem-12158	146	8	should	should	AUX
fbem-12158	146	9	start	start	VERB
fbem-12158	146	10	from	from	ADP
fbem-12158	146	11	their	their	PRON
fbem-12158	146	12	own	own	ADJ
fbem-12158	146	13	actual	actual	ADJ
fbem-12158	146	14	conditions	condition	NOUN
fbem-12158	146	15	,	,	PUNCT
fbem-12158	146	16	discover	discover	VERB
fbem-12158	146	17	their	their	PRON
fbem-12158	146	18	own	own	ADJ
fbem-12158	146	19	advantages	advantage	NOUN
fbem-12158	146	20	,	,	PUNCT
fbem-12158	146	21	carry	carry	VERB
fbem-12158	146	22	forward	forward	ADV
fbem-12158	146	23	them	they	PRON
fbem-12158	146	24	,	,	PUNCT
fbem-12158	146	25	and	and	CCONJ
fbem-12158	146	26	not	not	PART
fbem-12158	146	27	blindly	blindly	ADV
fbem-12158	146	28	follow	follow	VERB
fbem-12158	146	29	the	the	DET
fbem-12158	146	30	crowd	crowd	NOUN
fbem-12158	146	31	.	.	PUNCT
fbem-12158	147	1	(	(	PUNCT
fbem-12158	147	2	1	1	X
fbem-12158	147	3	)	)	PUNCT
fbem-12158	147	4	adjust	adjust	VERB
fbem-12158	147	5	the	the	DET
fbem-12158	147	6	concept	concept	NOUN
fbem-12158	147	7	of	of	ADP
fbem-12158	147	8	management	management	NOUN
fbem-12158	147	9	and	and	CCONJ
fbem-12158	147	10	management	management	NOUN
fbem-12158	147	11	.	.	PUNCT
fbem-12158	148	1	state	state	NOUN
fbem-12158	148	2	-	-	PUNCT
fbem-12158	148	3	controlled	control	VERB
fbem-12158	148	4	commercial	commercial	ADJ
fbem-12158	148	5	banks	bank	NOUN
fbem-12158	148	6	,	,	PUNCT
fbem-12158	148	7	which	which	PRON
fbem-12158	148	8	have	have	VERB
fbem-12158	148	9	better	well	ADJ
fbem-12158	148	10	talent	talent	NOUN
fbem-12158	148	11	and	and	CCONJ
fbem-12158	148	12	capital	capital	NOUN
fbem-12158	148	13	advantages	advantage	NOUN
fbem-12158	148	14	,	,	PUNCT
fbem-12158	148	15	should	should	AUX
fbem-12158	148	16	fully	fully	ADV
fbem-12158	148	17	grasp	grasp	VERB
fbem-12158	148	18	and	and	CCONJ
fbem-12158	148	19	actively	actively	ADV
fbem-12158	148	20	play	play	VERB
fbem-12158	148	21	a	a	DET
fbem-12158	148	22	role	role	NOUN
fbem-12158	148	23	,	,	PUNCT
fbem-12158	148	24	adjust	adjust	VERB
fbem-12158	148	25	their	their	PRON
fbem-12158	148	26	management	management	NOUN
fbem-12158	148	27	and	and	CCONJ
fbem-12158	148	28	operation	operation	NOUN
fbem-12158	148	29	systems	system	NOUN
fbem-12158	148	30	,	,	PUNCT
fbem-12158	148	31	shift	shift	VERB
fbem-12158	148	32	from	from	ADP
fbem-12158	148	33	pursuing	pursue	VERB
fbem-12158	148	34	quantitative	quantitative	ADJ
fbem-12158	148	35	improvement	improvement	NOUN
fbem-12158	148	36	to	to	ADP
fbem-12158	148	37	paying	pay	VERB
fbem-12158	148	38	attention	attention	NOUN
fbem-12158	148	39	to	to	ADP
fbem-12158	148	40	qualitative	qualitative	ADJ
fbem-12158	148	41	leaps	leap	NOUN
fbem-12158	148	42	,	,	PUNCT
fbem-12158	148	43	improve	improve	VERB
fbem-12158	148	44	the	the	DET
fbem-12158	148	45	internal	internal	ADJ
fbem-12158	148	46	management	management	NOUN
fbem-12158	148	47	mechanism	mechanism	NOUN
fbem-12158	148	48	,	,	PUNCT
fbem-12158	148	49	improve	improve	VERB
fbem-12158	148	50	the	the	DET
fbem-12158	148	51	practice	practice	NOUN
fbem-12158	148	52	system	system	NOUN
fbem-12158	148	53	,	,	PUNCT
fbem-12158	148	54	and	and	CCONJ
fbem-12158	148	55	reorganize	reorganize	VERB
fbem-12158	148	56	traditional	traditional	ADJ
fbem-12158	148	57	enterprises	enterprise	NOUN
fbem-12158	148	58	.	.	PUNCT
fbem-12158	149	1	(	(	PUNCT
fbem-12158	149	2	2	2	X
fbem-12158	149	3	)	)	PUNCT
fbem-12158	149	4	improve	improve	VERB
fbem-12158	149	5	the	the	DET
fbem-12158	149	6	ability	ability	NOUN
fbem-12158	149	7	to	to	PART
fbem-12158	149	8	refurbish	refurbish	VERB
fbem-12158	149	9	financial	financial	ADJ
fbem-12158	149	10	products	product	NOUN
fbem-12158	149	11	.	.	PUNCT
fbem-12158	150	1	if	if	SCONJ
fbem-12158	150	2	joint	joint	ADJ
fbem-12158	150	3	-	-	PUNCT
fbem-12158	150	4	stock	stock	NOUN
fbem-12158	150	5	commercial	commercial	ADJ
fbem-12158	150	6	banks	bank	NOUN
fbem-12158	150	7	want	want	VERB
fbem-12158	150	8	to	to	PART
fbem-12158	150	9	reduce	reduce	VERB
fbem-12158	150	10	product	product	NOUN
fbem-12158	150	11	homogeneous	homogeneous	ADJ
fbem-12158	150	12	competition	competition	NOUN
fbem-12158	150	13	,	,	PUNCT
fbem-12158	150	14	they	they	PRON
fbem-12158	150	15	should	should	AUX
fbem-12158	150	16	increase	increase	VERB
fbem-12158	150	17	the	the	DET
fbem-12158	150	18	innovation	innovation	NOUN
fbem-12158	150	19	of	of	ADP
fbem-12158	150	20	financial	financial	ADJ
fbem-12158	150	21	products	product	NOUN
fbem-12158	150	22	,	,	PUNCT
fbem-12158	150	23	and	and	CCONJ
fbem-12158	150	24	at	at	ADP
fbem-12158	150	25	the	the	DET
fbem-12158	150	26	same	same	ADJ
fbem-12158	150	27	time	time	NOUN
fbem-12158	150	28	appropriately	appropriately	ADV
fbem-12158	150	29	expand	expand	VERB
fbem-12158	150	30	the	the	DET
fbem-12158	150	31	scale	scale	NOUN
fbem-12158	150	32	of	of	ADP
fbem-12158	150	33	bank	bank	NOUN
fbem-12158	150	34	operating	operate	VERB
fbem-12158	150	35	assets	asset	NOUN
fbem-12158	150	36	,	,	PUNCT
fbem-12158	150	37	because	because	SCONJ
fbem-12158	150	38	the	the	DET
fbem-12158	150	39	effect	effect	NOUN
fbem-12158	150	40	of	of	ADP
fbem-12158	150	41	economies	economy	NOUN
fbem-12158	150	42	of	of	ADP
fbem-12158	150	43	scale	scale	NOUN
fbem-12158	150	44	can	can	AUX
fbem-12158	150	45	often	often	ADV
fbem-12158	150	46	be	be	AUX
fbem-12158	150	47	reflected	reflect	VERB
fbem-12158	150	48	when	when	SCONJ
fbem-12158	150	49	they	they	PRON
fbem-12158	150	50	have	have	VERB
fbem-12158	150	51	a	a	DET
fbem-12158	150	52	large	large	ADJ
fbem-12158	150	53	asset	asset	NOUN
fbem-12158	150	54	scale	scale	NOUN
fbem-12158	150	55	,	,	PUNCT
fbem-12158	150	56	and	and	CCONJ
fbem-12158	150	57	if	if	SCONJ
fbem-12158	150	58	they	they	PRON
fbem-12158	150	59	want	want	VERB
fbem-12158	150	60	to	to	PART
fbem-12158	150	61	diversify	diversify	VERB
fbem-12158	150	62	operational	operational	ADJ
fbem-12158	150	63	risks	risk	NOUN
fbem-12158	150	64	,	,	PUNCT
fbem-12158	150	65	they	they	PRON
fbem-12158	150	66	should	should	AUX
fbem-12158	150	67	strive	strive	VERB
fbem-12158	150	68	to	to	PART
fbem-12158	150	69	develop	develop	VERB
fbem-12158	150	70	diversified	diversified	ADJ
fbem-12158	150	71	businesses	business	NOUN
fbem-12158	150	72	.	.	PUNCT
fbem-12158	151	1	34	34	NUM
fbem-12158	151	2	references	reference	NOUN
fbem-12158	151	3	[	[	X
fbem-12158	151	4	1	1	NUM
fbem-12158	151	5	]	]	X
fbem-12158	151	6	liu	liu	PROPN
fbem-12158	151	7	zhiyang	zhiyang	PROPN
fbem-12158	151	8	,	,	PUNCT
fbem-12158	151	9	meng	meng	PROPN
fbem-12158	151	10	xianglu	xianglu	PROPN
fbem-12158	151	11	.	.	PUNCT
fbem-12158	152	1	exchange	exchange	NOUN
fbem-12158	152	2	rate	rate	NOUN
fbem-12158	152	3	,	,	PUNCT
fbem-12158	152	4	exchange	exchange	NOUN
fbem-12158	152	5	rate	rate	NOUN
fbem-12158	152	6	derivatives	derivative	NOUN
fbem-12158	152	7	and	and	CCONJ
fbem-12158	152	8	banking	banking	NOUN
fbem-12158	152	9	risk[j].management	risk[j].management	NOUN
fbem-12158	152	10	science	science	NOUN
fbem-12158	152	11	,	,	PUNCT
fbem-12158	152	12	2019	2019	NUM
fbem-12158	152	13	,	,	PUNCT
fbem-12158	152	14	32(06	32(06	NUM
fbem-12158	152	15	):	):	PUNCT
fbem-12158	152	16	57	57	NUM
fbem-12158	152	17	-	-	SYM
fbem-12158	152	18	71	71	NUM
fbem-12158	152	19	.	.	PUNCT
fbem-12158	153	1	[	[	X
fbem-12158	153	2	2	2	NUM
fbem-12158	153	3	]	]	PUNCT
fbem-12158	153	4	gu	gu	X
fbem-12158	153	5	haifeng	haifeng	PROPN
fbem-12158	153	6	,	,	PUNCT
fbem-12158	153	7	bian	bian	PROPN
fbem-12158	153	8	yuchen	yuchen	PROPN
fbem-12158	153	9	.	.	PUNCT
fbem-12158	154	1	cross	cross	ADJ
fbem-12158	154	2	-	-	ADJ
fbem-12158	154	3	border	border	ADJ
fbem-12158	154	4	capital	capital	NOUN
fbem-12158	154	5	flow	flow	NOUN
fbem-12158	154	6	,	,	PUNCT
fbem-12158	154	7	asset	asset	NOUN
fbem-12158	154	8	price	price	NOUN
fbem-12158	154	9	and	and	CCONJ
fbem-12158	154	10	bank	bank	NOUN
fbem-12158	154	11	liquidity	liquidity	NOUN
fbem-12158	154	12	risk	risk	NOUN
fbem-12158	154	13	:	:	PUNCT
fbem-12158	154	14	the	the	DET
fbem-12158	154	15	moderating	moderate	VERB
fbem-12158	154	16	role	role	NOUN
fbem-12158	154	17	of	of	ADP
fbem-12158	154	18	monetary	monetary	ADJ
fbem-12158	154	19	policy	policy	NOUN
fbem-12158	154	20	uncertainty	uncertainty	NOUN
fbem-12158	154	21	and	and	CCONJ
fbem-12158	154	22	banking	banking	NOUN
fbem-12158	154	23	industry	industry	NOUN
fbem-12158	154	24	competition[j	competition[j	PROPN
fbem-12158	154	25	]	]	PUNCT
fbem-12158	154	26	.	.	PUNCT
fbem-12158	155	1	journal	journal	PROPN
fbem-12158	155	2	of	of	ADP
fbem-12158	155	3	finance	finance	NOUN
fbem-12158	155	4	and	and	CCONJ
fbem-12158	155	5	economics	economic	NOUN
fbem-12158	155	6	,	,	PUNCT
fbem-12158	155	7	2020	2020	NUM
fbem-12158	155	8	(	(	PUNCT
fbem-12158	155	9	12	12	NUM
fbem-12158	155	10	):	):	PUNCT
fbem-12158	155	11	13	13	NUM
fbem-12158	155	12	-	-	SYM
fbem-12158	155	13	27	27	NUM
fbem-12158	155	14	.	.	PUNCT
fbem-12158	156	1	[	[	X
fbem-12158	156	2	3	3	NUM
fbem-12158	156	3	]	]	X
fbem-12158	156	4	liao	liao	PROPN
fbem-12158	156	5	haiyuan	haiyuan	PROPN
fbem-12158	156	6	.	.	PUNCT
fbem-12158	157	1	research	research	NOUN
fbem-12158	157	2	on	on	ADP
fbem-12158	157	3	the	the	DET
fbem-12158	157	4	impact	impact	NOUN
fbem-12158	157	5	of	of	ADP
fbem-12158	157	6	rmb	rmb	PROPN
fbem-12158	157	7	exchange	exchange	NOUN
fbem-12158	157	8	rate	rate	NOUN
fbem-12158	157	9	changes	change	NOUN
fbem-12158	157	10	on	on	ADP
fbem-12158	157	11	china	china	PROPN
fbem-12158	157	12	's	's	PART
fbem-12158	157	13	banking	banking	NOUN
fbem-12158	157	14	industry[j].business	industry[j].business	PROPN
fbem-12158	157	15	story	story	NOUN
fbem-12158	157	16	,	,	PUNCT
fbem-12158	157	17	2015	2015	NUM
fbem-12158	157	18	(	(	PUNCT
fbem-12158	157	19	04	04	NUM
fbem-12158	157	20	):	):	PUNCT
fbem-12158	157	21	16	16	NUM
fbem-12158	157	22	.	.	PUNCT
fbem-12158	158	1	[	[	X
fbem-12158	158	2	4	4	X
fbem-12158	158	3	]	]	X
fbem-12158	158	4	liu	liu	PROPN
fbem-12158	158	5	xuefei	xuefei	PROPN
fbem-12158	158	6	,	,	PUNCT
fbem-12158	158	7	cai	cai	PROPN
fbem-12158	158	8	fei	fei	PROPN
fbem-12158	158	9	.	.	PUNCT
fbem-12158	158	10	measures	measure	NOUN
fbem-12158	158	11	of	of	ADP
fbem-12158	158	12	commercial	commercial	ADJ
fbem-12158	158	13	banks	bank	NOUN
fbem-12158	158	14	to	to	PART
fbem-12158	158	15	cope	cope	VERB
fbem-12158	158	16	with	with	ADP
fbem-12158	158	17	challenges	challenge	NOUN
fbem-12158	158	18	under	under	ADP
fbem-12158	158	19	macroeconomics[j].china	macroeconomics[j].china	PROPN
fbem-12158	158	20	collective	collective	ADJ
fbem-12158	158	21	economy,2022(07):86	economy,2022(07):86	NOUN
fbem-12158	158	22	-	-	PUNCT
fbem-12158	158	23	87	87	NUM
fbem-12158	158	24	.	.	PUNCT
fbem-12158	159	1	[	[	X
fbem-12158	159	2	5	5	NUM
fbem-12158	159	3	]	]	PUNCT
fbem-12158	159	4	xiong	xiong	PROPN
fbem-12158	159	5	min	min	PROPN
fbem-12158	159	6	,	,	PUNCT
fbem-12158	159	7	chen	chen	PROPN
fbem-12158	159	8	ming	ming	PROPN
fbem-12158	159	9	,	,	PUNCT
fbem-12158	159	10	cheng	cheng	PROPN
fbem-12158	159	11	jingjing	jingjing	PROPN
fbem-12158	159	12	.	.	PUNCT
fbem-12158	160	1	how	how	SCONJ
fbem-12158	160	2	do	do	AUX
fbem-12158	160	3	commercial	commercial	ADJ
fbem-12158	160	4	banks	bank	NOUN
fbem-12158	160	5	cope	cope	VERB
fbem-12158	160	6	with	with	ADP
fbem-12158	160	7	difficulties	difficulty	NOUN
fbem-12158	160	8	and	and	CCONJ
fbem-12158	160	9	challenges	challenge	NOUN
fbem-12158	160	10	under	under	ADP
fbem-12158	160	11	the	the	DET
fbem-12158	160	12	current	current	ADJ
fbem-12158	160	13	macroeconomic	macroeconomic	ADJ
fbem-12158	160	14	situation[j].modern	situation[j].modern	ADJ
fbem-12158	160	15	marketing	marketing	NOUN
fbem-12158	160	16	(	(	PUNCT
fbem-12158	160	17	information	information	NOUN
fbem-12158	160	18	edition),2020(05):98	edition),2020(05):98	NOUN
fbem-12158	160	19	-	-	PUNCT
fbem-12158	160	20	99	99	NUM
fbem-12158	160	21	.	.	PUNCT
fbem-12158	161	1	[	[	X
fbem-12158	161	2	6	6	NUM
fbem-12158	161	3	]	]	PUNCT
fbem-12158	161	4	zuo	zuo	PROPN
fbem-12158	161	5	xiaohui	xiaohui	PROPN
fbem-12158	161	6	,	,	PUNCT
fbem-12158	161	7	ma	ma	PROPN
fbem-12158	161	8	yun	yun	PROPN
fbem-12158	161	9	.	.	PUNCT
fbem-12158	162	1	research	research	NOUN
fbem-12158	162	2	on	on	ADP
fbem-12158	162	3	the	the	DET
fbem-12158	162	4	influence	influence	NOUN
fbem-12158	162	5	of	of	ADP
fbem-12158	162	6	revenue	revenue	NOUN
fbem-12158	162	7	structure	structure	NOUN
fbem-12158	162	8	of	of	ADP
fbem-12158	162	9	commercial	commercial	ADJ
fbem-12158	162	10	banks	bank	NOUN
fbem-12158	162	11	on	on	ADP
fbem-12158	162	12	profitability[j].economic	profitability[j].economic	ADJ
fbem-12158	162	13	issues	issue	NOUN
fbem-12158	162	14	,	,	PUNCT
fbem-12158	162	15	2019(11):25	2019(11):25	NUM
fbem-12158	162	16	-	-	SYM
fbem-12158	162	17	32	32	NUM
fbem-12158	162	18	.	.	PUNCT
fbem-12158	163	1	[	[	X
fbem-12158	163	2	7	7	X
fbem-12158	163	3	]	]	PUNCT
fbem-12158	163	4	jin	jin	PROPN
fbem-12158	163	5	xin	xin	PROPN
fbem-12158	163	6	.	.	PUNCT
fbem-12158	164	1	research	research	NOUN
fbem-12158	164	2	on	on	ADP
fbem-12158	164	3	the	the	DET
fbem-12158	164	4	linkage	linkage	NOUN
fbem-12158	164	5	relationship	relationship	NOUN
fbem-12158	164	6	between	between	ADP
fbem-12158	164	7	rmb	rmb	NOUN
fbem-12158	164	8	exchange	exchange	NOUN
fbem-12158	164	9	rate	rate	NOUN
fbem-12158	164	10	and	and	CCONJ
fbem-12158	164	11	interest	interest	NOUN
fbem-12158	164	12	rate[d].xinjiang	rate[d].xinjiang	PROPN
fbem-12158	164	13	university	university	PROPN
fbem-12158	164	14	of	of	ADP
fbem-12158	164	15	finance	finance	NOUN
fbem-12158	164	16	and	and	CCONJ
fbem-12158	164	17	economics,2020	economics,2020	NOUN
fbem-12158	164	18	.	.	PUNCT
fbem-12158	165	1	[	[	X
fbem-12158	165	2	8	8	NUM
fbem-12158	165	3	]	]	X
fbem-12158	165	4	wu	wu	PROPN
fbem-12158	165	5	zhiyong	zhiyong	PROPN
fbem-12158	165	6	,	,	PUNCT
fbem-12158	165	7	li	li	PROPN
fbem-12158	165	8	fengkun	fengkun	PROPN
fbem-12158	165	9	,	,	PUNCT
fbem-12158	165	10	li	li	PROPN
fbem-12158	165	11	hongyang	hongyang	PROPN
fbem-12158	165	12	.	.	PUNCT
fbem-12158	165	13	research	research	NOUN
fbem-12158	165	14	on	on	ADP
fbem-12158	165	15	the	the	DET
fbem-12158	165	16	relationship	relationship	NOUN
fbem-12158	165	17	between	between	ADP
fbem-12158	165	18	diversified	diversified	ADJ
fbem-12158	165	19	operation	operation	NOUN
fbem-12158	165	20	and	and	CCONJ
fbem-12158	165	21	the	the	DET
fbem-12158	165	22	performance	performance	NOUN
fbem-12158	165	23	of	of	ADP
fbem-12158	165	24	commercial	commercial	ADJ
fbem-12158	165	25	banks	bank	NOUN
fbem-12158	165	26	in	in	ADP
fbem-12158	165	27	china	china	PROPN
fbem-12158	165	28	:	:	PUNCT
fbem-12158	165	29	based	base	VERB
fbem-12158	165	30	on	on	ADP
fbem-12158	165	31	the	the	DET
fbem-12158	165	32	perspective	perspective	NOUN
fbem-12158	165	33	of	of	ADP
fbem-12158	165	34	bank	bank	NOUN
fbem-12158	165	35	scale	scale	NOUN
fbem-12158	165	36	and	and	CCONJ
fbem-12158	165	37	bank	bank	NOUN
fbem-12158	165	38	nature[j].financial	nature[j].financial	PROPN
fbem-12158	165	39	development	development	PROPN
fbem-12158	165	40	research	research	NOUN
fbem-12158	165	41	,	,	PUNCT
fbem-12158	165	42	2018	2018	NUM
fbem-12158	165	43	(	(	PUNCT
fbem-12158	165	44	4):34	4):34	PROPN
fbem-12158	165	45	-	-	NOUN
fbem-12158	165	46	41	41	NUM
fbem-12158	165	47	.	.	PUNCT
fbem-12158	166	1	[	[	X
fbem-12158	166	2	9	9	NUM
fbem-12158	166	3	]	]	X
fbem-12158	166	4	zhao	zhao	PROPN
fbem-12158	166	5	songkai	songkai	PROPN
fbem-12158	166	6	.	.	PUNCT
fbem-12158	167	1	in	in	ADP
fbem-12158	167	2	-	-	PUNCT
fbem-12158	167	3	depth	depth	NOUN
fbem-12158	167	4	analysis	analysis	NOUN
fbem-12158	167	5	of	of	ADP
fbem-12158	167	6	risk	risk	NOUN
fbem-12158	167	7	management	management	NOUN
fbem-12158	167	8	countermeasures	countermeasure	NOUN
fbem-12158	167	9	of	of	ADP
fbem-12158	167	10	commercial	commercial	ADJ
fbem-12158	167	11	banks	bank	NOUN
fbem-12158	167	12	based	base	VERB
fbem-12158	167	13	on	on	ADP
fbem-12158	167	14	macroeconomic	macroeconomic	ADJ
fbem-12158	167	15	situation	situation	NOUN
fbem-12158	168	1	[	[	X
fbem-12158	168	2	j	j	X
fbem-12158	168	3	]	]	X
fbem-12158	168	4	.	.	PUNCT
fbem-12158	169	1	modern	modern	ADJ
fbem-12158	169	2	economic	economic	ADJ
fbem-12158	169	3	information	information	NOUN
fbem-12158	169	4	,	,	PUNCT
fbem-12158	169	5	2019	2019	NUM
fbem-12158	169	6	(	(	PUNCT
fbem-12158	169	7	18):286	18):286	NUM
fbem-12158	169	8	.	.	PUNCT
fbem-12158	170	1	[	[	X
fbem-12158	170	2	10	10	NUM
fbem-12158	170	3	]	]	X
fbem-12158	170	4	ma	ma	PROPN
fbem-12158	170	5	guangyuan	guangyuan	PROPN
fbem-12158	170	6	,	,	PUNCT
fbem-12158	170	7	wu	wu	PROPN
fbem-12158	170	8	linghan	linghan	PROPN
fbem-12158	170	9	,	,	PUNCT
fbem-12158	170	10	liu	liu	PROPN
fbem-12158	170	11	jun	jun	PROPN
fbem-12158	170	12	.	.	PROPN
fbem-12158	170	13	research	research	NOUN
fbem-12158	170	14	on	on	ADP
fbem-12158	170	15	the	the	DET
fbem-12158	170	16	impact	impact	NOUN
fbem-12158	170	17	of	of	ADP
fbem-12158	170	18	exchange	exchange	NOUN
fbem-12158	170	19	rate	rate	NOUN
fbem-12158	170	20	changes	change	NOUN
fbem-12158	170	21	on	on	ADP
fbem-12158	170	22	the	the	DET
fbem-12158	170	23	profitability	profitability	NOUN
fbem-12158	170	24	of	of	ADP
fbem-12158	170	25	commercial	commercial	ADJ
fbem-12158	170	26	banks	bank	NOUN
fbem-12158	170	27	in	in	ADP
fbem-12158	170	28	china	china	PROPN
fbem-12158	171	1	[	[	X
fbem-12158	171	2	j	j	X
fbem-12158	171	3	]	]	X
fbem-12158	171	4	.	.	PUNCT
fbem-12158	172	1	zhejiang	zhejiang	PROPN
fbem-12158	172	2	finance	finance	PROPN
fbem-12158	172	3	,	,	PUNCT
fbem-12158	172	4	2008	2008	NUM
fbem-12158	172	5	(	(	PUNCT
fbem-12158	172	6	11	11	NUM
fbem-12158	172	7	):	):	SYM
fbem-12158	172	8	30	30	NUM
fbem-12158	172	9	+	+	SYM
fbem-12158	172	10	32	32	NUM
fbem-12158	172	11	.	.	PUNCT