id	sid	tid	token	lemma	pos
fbem-12951	1	1	frontiers	frontier	NOUN
fbem-12951	1	2	in	in	ADP
fbem-12951	1	3	business	business	NOUN
fbem-12951	1	4	,	,	PUNCT
fbem-12951	1	5	economics	economic	NOUN
fbem-12951	1	6	and	and	CCONJ
fbem-12951	1	7	management	management	NOUN
fbem-12951	1	8	issn	issn	PROPN
fbem-12951	1	9	:	:	PUNCT
fbem-12951	1	10	2766	2766	NUM
fbem-12951	1	11	-	-	PUNCT
fbem-12951	1	12	824x	824x	NUM
fbem-12951	1	13	|	|	ADJ
fbem-12951	1	14	vol	vol	NOUN
fbem-12951	1	15	.	.	PUNCT
fbem-12951	2	1	11	11	NUM
fbem-12951	2	2	,	,	PUNCT
fbem-12951	2	3	no	no	INTJ
fbem-12951	2	4	.	.	NOUN
fbem-12951	2	5	3	3	NUM
fbem-12951	2	6	,	,	PUNCT
fbem-12951	2	7	2023	2023	NUM
fbem-12951	2	8	55	55	NUM
fbem-12951	2	9	analysis	analysis	NOUN
fbem-12951	2	10	of	of	ADP
fbem-12951	2	11	customer	customer	NOUN
fbem-12951	2	12	management	management	NOUN
fbem-12951	2	13	of	of	ADP
fbem-12951	2	14	commercial	commercial	ADJ
fbem-12951	2	15	banks	bank	NOUN
fbem-12951	2	16	haoyuan	haoyuan	ADJ
fbem-12951	2	17	jin1	jin1	PROPN
fbem-12951	2	18	,	,	PUNCT
fbem-12951	2	19	a	a	DET
fbem-12951	2	20	1royal	1royal	NUM
fbem-12951	2	21	holloway	holloway	PROPN
fbem-12951	2	22	university	university	PROPN
fbem-12951	2	23	of	of	ADP
fbem-12951	2	24	london	london	PROPN
fbem-12951	2	25	,	,	PUNCT
fbem-12951	2	26	uk	uk	PROPN
fbem-12951	2	27	azjtm200@live.rhul.ac.uk	azjtm200@live.rhul.ac.uk	PUNCT
fbem-12951	2	28	abstract	abstract	ADJ
fbem-12951	2	29	:	:	PUNCT
fbem-12951	2	30	at	at	ADP
fbem-12951	2	31	present	present	ADJ
fbem-12951	2	32	,	,	PUNCT
fbem-12951	2	33	most	most	ADV
fbem-12951	2	34	traditional	traditional	ADJ
fbem-12951	2	35	commercial	commercial	ADJ
fbem-12951	2	36	banks	bank	NOUN
fbem-12951	2	37	tend	tend	VERB
fbem-12951	2	38	to	to	PART
fbem-12951	2	39	design	design	VERB
fbem-12951	2	40	products	product	NOUN
fbem-12951	2	41	based	base	VERB
fbem-12951	2	42	on	on	ADP
fbem-12951	2	43	their	their	PRON
fbem-12951	2	44	own	own	ADJ
fbem-12951	2	45	interests	interest	NOUN
fbem-12951	2	46	and	and	CCONJ
fbem-12951	2	47	use	use	VERB
fbem-12951	2	48	universal	universal	ADJ
fbem-12951	2	49	standards	standard	NOUN
fbem-12951	2	50	to	to	PART
fbem-12951	2	51	issue	issue	VERB
fbem-12951	2	52	loans	loan	NOUN
fbem-12951	2	53	to	to	ADP
fbem-12951	2	54	customers	customer	NOUN
fbem-12951	2	55	.	.	PUNCT
fbem-12951	3	1	they	they	PRON
fbem-12951	3	2	rarely	rarely	ADV
fbem-12951	3	3	provide	provide	VERB
fbem-12951	3	4	customized	customized	ADJ
fbem-12951	3	5	and	and	CCONJ
fbem-12951	3	6	personalized	personalized	ADJ
fbem-12951	3	7	services	service	NOUN
fbem-12951	3	8	based	base	VERB
fbem-12951	3	9	on	on	ADP
fbem-12951	3	10	the	the	DET
fbem-12951	3	11	actual	actual	ADJ
fbem-12951	3	12	situation	situation	NOUN
fbem-12951	3	13	of	of	ADP
fbem-12951	3	14	customers	customer	NOUN
fbem-12951	3	15	,	,	PUNCT
fbem-12951	3	16	or	or	CCONJ
fbem-12951	3	17	not	not	PART
fbem-12951	3	18	even	even	ADV
fbem-12951	3	19	trying	try	VERB
fbem-12951	3	20	to	to	PART
fbem-12951	3	21	understand	understand	VERB
fbem-12951	3	22	customers	customer	NOUN
fbem-12951	3	23	’	’	PART
fbem-12951	3	24	financial	financial	ADJ
fbem-12951	3	25	service	service	NOUN
fbem-12951	3	26	needs	need	NOUN
fbem-12951	3	27	.	.	PUNCT
fbem-12951	4	1	from	from	ADP
fbem-12951	4	2	the	the	DET
fbem-12951	4	3	perspective	perspective	NOUN
fbem-12951	4	4	of	of	ADP
fbem-12951	4	5	customer	customer	NOUN
fbem-12951	4	6	relationship	relationship	NOUN
fbem-12951	4	7	management	management	NOUN
fbem-12951	4	8	,	,	PUNCT
fbem-12951	4	9	there	there	PRON
fbem-12951	4	10	are	be	VERB
fbem-12951	4	11	still	still	ADV
fbem-12951	4	12	many	many	ADJ
fbem-12951	4	13	problems	problem	NOUN
fbem-12951	4	14	and	and	CCONJ
fbem-12951	4	15	areas	area	NOUN
fbem-12951	4	16	for	for	ADP
fbem-12951	4	17	improvement	improvement	NOUN
fbem-12951	4	18	.	.	PUNCT
fbem-12951	5	1	this	this	DET
fbem-12951	5	2	paper	paper	NOUN
fbem-12951	5	3	takes	take	VERB
fbem-12951	5	4	the	the	DET
fbem-12951	5	5	jb	jb	PROPN
fbem-12951	5	6	branch	branch	NOUN
fbem-12951	5	7	of	of	ADP
fbem-12951	5	8	the	the	DET
fbem-12951	5	9	bank	bank	NOUN
fbem-12951	5	10	of	of	ADP
fbem-12951	5	11	ningbo	ningbo	PROPN
fbem-12951	5	12	in	in	ADP
fbem-12951	5	13	china	china	PROPN
fbem-12951	5	14	as	as	ADP
fbem-12951	5	15	an	an	DET
fbem-12951	5	16	example	example	NOUN
fbem-12951	5	17	.	.	PUNCT
fbem-12951	6	1	by	by	ADP
fbem-12951	6	2	sorting	sort	VERB
fbem-12951	6	3	out	out	ADP
fbem-12951	6	4	the	the	DET
fbem-12951	6	5	customer	customer	NOUN
fbem-12951	6	6	relationship	relationship	NOUN
fbem-12951	6	7	management	management	NOUN
fbem-12951	6	8	theory	theory	NOUN
fbem-12951	6	9	,	,	PUNCT
fbem-12951	6	10	this	this	DET
fbem-12951	6	11	paper	paper	NOUN
fbem-12951	6	12	organizes	organize	VERB
fbem-12951	6	13	and	and	CCONJ
fbem-12951	6	14	categorizes	categorize	VERB
fbem-12951	6	15	the	the	DET
fbem-12951	6	16	research	research	NOUN
fbem-12951	6	17	results	result	NOUN
fbem-12951	6	18	on	on	ADP
fbem-12951	6	19	customer	customer	NOUN
fbem-12951	6	20	relationship	relationship	NOUN
fbem-12951	6	21	management	management	NOUN
fbem-12951	6	22	of	of	ADP
fbem-12951	6	23	commercial	commercial	ADJ
fbem-12951	6	24	banks	bank	NOUN
fbem-12951	6	25	and	and	CCONJ
fbem-12951	6	26	proposes	propose	VERB
fbem-12951	6	27	that	that	SCONJ
fbem-12951	6	28	commercial	commercial	ADJ
fbem-12951	6	29	banks	bank	NOUN
fbem-12951	6	30	should	should	AUX
fbem-12951	6	31	provide	provide	VERB
fbem-12951	6	32	customized	customized	ADJ
fbem-12951	6	33	and	and	CCONJ
fbem-12951	6	34	personalized	personalized	ADJ
fbem-12951	6	35	services	service	NOUN
fbem-12951	6	36	for	for	ADP
fbem-12951	6	37	different	different	ADJ
fbem-12951	6	38	customer	customer	NOUN
fbem-12951	6	39	groups	group	NOUN
fbem-12951	6	40	.	.	PUNCT
fbem-12951	7	1	the	the	DET
fbem-12951	7	2	theoretical	theoretical	ADJ
fbem-12951	7	3	basis	basis	NOUN
fbem-12951	7	4	of	of	ADP
fbem-12951	7	5	services	service	NOUN
fbem-12951	7	6	is	be	AUX
fbem-12951	7	7	designed	design	VERB
fbem-12951	7	8	to	to	PART
fbem-12951	7	9	provide	provide	VERB
fbem-12951	7	10	reference	reference	NOUN
fbem-12951	7	11	for	for	ADP
fbem-12951	7	12	the	the	DET
fbem-12951	7	13	modern	modern	ADJ
fbem-12951	7	14	development	development	NOUN
fbem-12951	7	15	of	of	ADP
fbem-12951	7	16	commercial	commercial	ADJ
fbem-12951	7	17	banks	bank	NOUN
fbem-12951	7	18	.	.	PUNCT
fbem-12951	8	1	keywords	keyword	NOUN
fbem-12951	8	2	:	:	PUNCT
fbem-12951	8	3	commercial	commercial	ADJ
fbem-12951	8	4	banking	banking	NOUN
fbem-12951	8	5	,	,	PUNCT
fbem-12951	8	6	financial	financial	ADJ
fbem-12951	8	7	services	service	NOUN
fbem-12951	8	8	,	,	PUNCT
fbem-12951	8	9	customer	customer	NOUN
fbem-12951	8	10	relations	relation	NOUN
fbem-12951	8	11	.	.	PUNCT
fbem-12951	9	1	1	1	X
fbem-12951	9	2	.	.	X
fbem-12951	9	3	introduction	introduction	NOUN
fbem-12951	9	4	the	the	DET
fbem-12951	9	5	corporate	corporate	ADJ
fbem-12951	9	6	bank	bank	NOUN
fbem-12951	9	7	account	account	NOUN
fbem-12951	9	8	manager	manager	NOUN
fbem-12951	9	9	(	(	PUNCT
fbem-12951	9	10	bcm	bcm	PROPN
fbem-12951	9	11	)	)	PUNCT
fbem-12951	9	12	of	of	ADP
fbem-12951	9	13	a	a	DET
fbem-12951	9	14	commercial	commercial	ADJ
fbem-12951	9	15	bank	bank	NOUN
fbem-12951	9	16	can	can	AUX
fbem-12951	9	17	be	be	AUX
fbem-12951	9	18	said	say	VERB
fbem-12951	9	19	to	to	PART
fbem-12951	9	20	be	be	AUX
fbem-12951	9	21	the	the	DET
fbem-12951	9	22	bridge	bridge	NOUN
fbem-12951	9	23	between	between	ADP
fbem-12951	9	24	the	the	DET
fbem-12951	9	25	bank	bank	NOUN
fbem-12951	9	26	and	and	CCONJ
fbem-12951	9	27	its	its	PRON
fbem-12951	9	28	customers	customer	NOUN
fbem-12951	9	29	.	.	PUNCT
fbem-12951	10	1	it	it	PRON
fbem-12951	10	2	is	be	AUX
fbem-12951	10	3	the	the	DET
fbem-12951	10	4	most	most	ADV
fbem-12951	10	5	important	important	ADJ
fbem-12951	10	6	grassroots	grassroot	NOUN
fbem-12951	10	7	position	position	NOUN
fbem-12951	10	8	among	among	ADP
fbem-12951	10	9	the	the	DET
fbem-12951	10	10	various	various	ADJ
fbem-12951	10	11	positions	position	NOUN
fbem-12951	10	12	in	in	ADP
fbem-12951	10	13	a	a	DET
fbem-12951	10	14	commercial	commercial	ADJ
fbem-12951	10	15	bank	bank	NOUN
fbem-12951	10	16	.	.	PUNCT
fbem-12951	11	1	its	its	PRON
fbem-12951	11	2	work	work	NOUN
fbem-12951	11	3	is	be	AUX
fbem-12951	11	4	mainly	mainly	ADV
fbem-12951	11	5	customer	customer	NOUN
fbem-12951	11	6	-	-	PUNCT
fbem-12951	11	7	centrism	centrism	NOUN
fbem-12951	11	8	,	,	PUNCT
fbem-12951	11	9	handling	handle	VERB
fbem-12951	11	10	customer	customer	NOUN
fbem-12951	11	11	deposits	deposit	NOUN
fbem-12951	11	12	,	,	PUNCT
fbem-12951	11	13	loans	loan	NOUN
fbem-12951	11	14	,	,	PUNCT
fbem-12951	11	15	and	and	CCONJ
fbem-12951	11	16	other	other	ADJ
fbem-12951	11	17	intermediary	intermediary	ADJ
fbem-12951	11	18	businesses	business	NOUN
fbem-12951	11	19	,	,	PUNCT
fbem-12951	11	20	and	and	CCONJ
fbem-12951	11	21	is	be	AUX
fbem-12951	11	22	responsible	responsible	ADJ
fbem-12951	11	23	for	for	ADP
fbem-12951	11	24	maintaining	maintain	VERB
fbem-12951	11	25	customer	customer	NOUN
fbem-12951	11	26	relationships	relationship	NOUN
fbem-12951	11	27	.	.	PUNCT
fbem-12951	12	1	but	but	CCONJ
fbem-12951	12	2	if	if	SCONJ
fbem-12951	12	3	you	you	PRON
fbem-12951	12	4	want	want	VERB
fbem-12951	12	5	to	to	PART
fbem-12951	12	6	become	become	VERB
fbem-12951	12	7	an	an	DET
fbem-12951	12	8	excellent	excellent	ADJ
fbem-12951	12	9	account	account	NOUN
fbem-12951	12	10	manager	manager	NOUN
fbem-12951	12	11	,	,	PUNCT
fbem-12951	12	12	you	you	PRON
fbem-12951	12	13	must	must	AUX
fbem-12951	12	14	have	have	VERB
fbem-12951	12	15	strong	strong	ADJ
fbem-12951	12	16	public	public	ADJ
fbem-12951	12	17	relations	relation	NOUN
fbem-12951	12	18	capabilities	capability	NOUN
fbem-12951	12	19	and	and	CCONJ
fbem-12951	12	20	systematic	systematic	ADJ
fbem-12951	12	21	marketing	marketing	NOUN
fbem-12951	12	22	strategies	strategy	NOUN
fbem-12951	12	23	,	,	PUNCT
fbem-12951	12	24	a	a	DET
fbem-12951	12	25	strong	strong	ADJ
fbem-12951	12	26	sense	sense	NOUN
fbem-12951	12	27	of	of	ADP
fbem-12951	12	28	service	service	NOUN
fbem-12951	12	29	,	,	PUNCT
fbem-12951	12	30	and	and	CCONJ
fbem-12951	12	31	be	be	AUX
fbem-12951	12	32	able	able	ADJ
fbem-12951	12	33	to	to	PART
fbem-12951	12	34	actively	actively	ADV
fbem-12951	12	35	mobilize	mobilize	VERB
fbem-12951	12	36	various	various	ADJ
fbem-12951	12	37	resources	resource	NOUN
fbem-12951	12	38	of	of	ADP
fbem-12951	12	39	commercial	commercial	ADJ
fbem-12951	12	40	banks	bank	NOUN
fbem-12951	12	41	to	to	PART
fbem-12951	12	42	provide	provide	VERB
fbem-12951	12	43	customers	customer	NOUN
fbem-12951	12	44	with	with	ADP
fbem-12951	12	45	comprehensive	comprehensive	ADJ
fbem-12951	12	46	and	and	CCONJ
fbem-12951	12	47	integrated	integrated	ADJ
fbem-12951	12	48	services	service	NOUN
fbem-12951	12	49	.	.	PUNCT
fbem-12951	13	1	their	their	PRON
fbem-12951	13	2	responsibilities	responsibility	NOUN
fbem-12951	13	3	require	require	VERB
fbem-12951	13	4	a	a	DET
fbem-12951	13	5	comprehensive	comprehensive	ADJ
fbem-12951	13	6	understanding	understanding	NOUN
fbem-12951	13	7	of	of	ADP
fbem-12951	13	8	customer	customer	NOUN
fbem-12951	13	9	needs	need	NOUN
fbem-12951	13	10	,	,	PUNCT
fbem-12951	13	11	marketing	marketing	NOUN
fbem-12951	13	12	products	product	NOUN
fbem-12951	13	13	to	to	ADP
fbem-12951	13	14	them	they	PRON
fbem-12951	13	15	,	,	PUNCT
fbem-12951	13	16	and	and	CCONJ
fbem-12951	13	17	soliciting	solicit	VERB
fbem-12951	13	18	business	business	NOUN
fbem-12951	13	19	.	.	PUNCT
fbem-12951	14	1	at	at	ADP
fbem-12951	14	2	the	the	DET
fbem-12951	14	3	same	same	ADJ
fbem-12951	14	4	time	time	NOUN
fbem-12951	14	5	,	,	PUNCT
fbem-12951	14	6	they	they	PRON
fbem-12951	14	7	need	need	VERB
fbem-12951	14	8	to	to	PART
fbem-12951	14	9	coordinate	coordinate	VERB
fbem-12951	14	10	and	and	CCONJ
fbem-12951	14	11	organize	organize	VERB
fbem-12951	14	12	relevant	relevant	ADJ
fbem-12951	14	13	departments	department	NOUN
fbem-12951	14	14	and	and	CCONJ
fbem-12951	14	15	institutions	institution	NOUN
fbem-12951	14	16	to	to	PART
fbem-12951	14	17	provide	provide	VERB
fbem-12951	14	18	a	a	DET
fbem-12951	14	19	full	full	ADJ
fbem-12951	14	20	range	range	NOUN
fbem-12951	14	21	of	of	ADP
fbem-12951	14	22	services	service	NOUN
fbem-12951	14	23	to	to	ADP
fbem-12951	14	24	customers	customer	NOUN
fbem-12951	14	25	and	and	CCONJ
fbem-12951	14	26	establish	establish	VERB
fbem-12951	14	27	and	and	CCONJ
fbem-12951	14	28	maintain	maintain	VERB
fbem-12951	14	29	relationships	relationship	NOUN
fbem-12951	14	30	with	with	ADP
fbem-12951	14	31	customers	customer	NOUN
fbem-12951	14	32	on	on	ADP
fbem-12951	14	33	the	the	DET
fbem-12951	14	34	premise	premise	NOUN
fbem-12951	14	35	of	of	ADP
fbem-12951	14	36	proactively	proactively	ADV
fbem-12951	14	37	preventing	prevent	VERB
fbem-12951	14	38	risks	risk	NOUN
fbem-12951	14	39	.	.	PUNCT
fbem-12951	15	1	long	long	ADJ
fbem-12951	15	2	term	term	NOUN
fbem-12951	15	3	close	close	ADJ
fbem-12951	15	4	contact	contact	NOUN
fbem-12951	15	5	.	.	PUNCT
fbem-12951	16	1	the	the	DET
fbem-12951	16	2	services	service	NOUN
fbem-12951	16	3	provided	provide	VERB
fbem-12951	16	4	by	by	ADP
fbem-12951	16	5	corporate	corporate	ADJ
fbem-12951	16	6	bank	bank	NOUN
fbem-12951	16	7	account	account	NOUN
fbem-12951	16	8	managers	manager	NOUN
fbem-12951	16	9	to	to	ADP
fbem-12951	16	10	customers	customer	NOUN
fbem-12951	16	11	are	be	AUX
fbem-12951	16	12	roughly	roughly	ADV
fbem-12951	16	13	divided	divide	VERB
fbem-12951	16	14	into	into	ADP
fbem-12951	16	15	two	two	NUM
fbem-12951	16	16	types	type	NOUN
fbem-12951	16	17	:	:	PUNCT
fbem-12951	16	18	account	account	NOUN
fbem-12951	16	19	opening	opening	NOUN
fbem-12951	16	20	and	and	CCONJ
fbem-12951	16	21	lending	lending	NOUN
fbem-12951	16	22	.	.	PUNCT
fbem-12951	17	1	lending	lending	NOUN
fbem-12951	17	2	includes	include	VERB
fbem-12951	17	3	per	per	ADP
fbem-12951	17	4	-	-	PUNCT
fbem-12951	17	5	credit	credit	NOUN
fbem-12951	17	6	loans	loan	NOUN
fbem-12951	17	7	and	and	CCONJ
fbem-12951	17	8	mortgage	mortgage	NOUN
fbem-12951	17	9	loans	loan	NOUN
fbem-12951	17	10	.	.	PUNCT
fbem-12951	18	1	this	this	DET
fbem-12951	18	2	article	article	NOUN
fbem-12951	18	3	will	will	AUX
fbem-12951	18	4	discuss	discuss	VERB
fbem-12951	18	5	how	how	SCONJ
fbem-12951	18	6	to	to	PART
fbem-12951	18	7	manage	manage	VERB
fbem-12951	18	8	customer	customer	NOUN
fbem-12951	18	9	relationships	relationship	NOUN
fbem-12951	18	10	,	,	PUNCT
fbem-12951	18	11	and	and	CCONJ
fbem-12951	18	12	managing	manage	VERB
fbem-12951	18	13	customer	customer	NOUN
fbem-12951	18	14	relationships	relationship	NOUN
fbem-12951	18	15	starts	start	VERB
fbem-12951	18	16	from	from	ADP
fbem-12951	18	17	contact	contact	NOUN
fbem-12951	18	18	management	management	NOUN
fbem-12951	18	19	→	→	SYM
fbem-12951	18	20	relationship	relationship	NOUN
fbem-12951	18	21	impact	impact	NOUN
fbem-12951	18	22	→customer	→customer	PUNCT
fbem-12951	18	23	care	care	NOUN
fbem-12951	18	24	customer	customer	NOUN
fbem-12951	18	25	relationship	relationship	NOUN
fbem-12951	18	26	management	management	NOUN
fbem-12951	18	27	(	(	PUNCT
fbem-12951	18	28	crm	crm	PROPN
fbem-12951	18	29	)	)	PUNCT
fbem-12951	18	30	.	.	PUNCT
fbem-12951	19	1	the	the	DET
fbem-12951	19	2	connotation	connotation	NOUN
fbem-12951	19	3	of	of	ADP
fbem-12951	19	4	commercial	commercial	ADJ
fbem-12951	19	5	bank	bank	NOUN
fbem-12951	19	6	customer	customer	NOUN
fbem-12951	19	7	relationship	relationship	NOUN
fbem-12951	19	8	management	management	NOUN
fbem-12951	19	9	is	be	AUX
fbem-12951	19	10	bank	bank	NOUN
fbem-12951	19	11	customer	customer	NOUN
fbem-12951	19	12	relationship	relationship	NOUN
fbem-12951	19	13	management	management	NOUN
fbem-12951	19	14	,	,	PUNCT
fbem-12951	19	15	which	which	PRON
fbem-12951	19	16	is	be	AUX
fbem-12951	19	17	mainly	mainly	ADV
fbem-12951	19	18	to	to	PART
fbem-12951	19	19	establish	establish	VERB
fbem-12951	19	20	communication	communication	NOUN
fbem-12951	19	21	channels	channel	NOUN
fbem-12951	19	22	between	between	ADP
fbem-12951	19	23	banks	bank	NOUN
fbem-12951	19	24	and	and	CCONJ
fbem-12951	19	25	customers	customer	NOUN
fbem-12951	19	26	and	and	CCONJ
fbem-12951	19	27	manage	manage	VERB
fbem-12951	19	28	the	the	DET
fbem-12951	19	29	channels	channel	NOUN
fbem-12951	19	30	for	for	SCONJ
fbem-12951	19	31	banks	bank	NOUN
fbem-12951	19	32	to	to	PART
fbem-12951	19	33	maintain	maintain	VERB
fbem-12951	19	34	existing	exist	VERB
fbem-12951	19	35	customers	customer	NOUN
fbem-12951	19	36	and	and	CCONJ
fbem-12951	19	37	attract	attract	VERB
fbem-12951	19	38	new	new	ADJ
fbem-12951	19	39	customers	customer	NOUN
fbem-12951	19	40	.	.	PUNCT
fbem-12951	20	1	at	at	ADP
fbem-12951	20	2	the	the	DET
fbem-12951	20	3	same	same	ADJ
fbem-12951	20	4	time	time	NOUN
fbem-12951	20	5	,	,	PUNCT
fbem-12951	20	6	it	it	PRON
fbem-12951	20	7	analyzes	analyze	VERB
fbem-12951	20	8	customer	customer	NOUN
fbem-12951	20	9	needs	need	VERB
fbem-12951	20	10	to	to	PART
fbem-12951	20	11	provide	provide	VERB
fbem-12951	20	12	support	support	NOUN
fbem-12951	20	13	for	for	ADP
fbem-12951	20	14	bank	bank	NOUN
fbem-12951	20	15	decision	decision	NOUN
fbem-12951	20	16	-	-	PUNCT
fbem-12951	20	17	making	making	NOUN
fbem-12951	20	18	.	.	PUNCT
fbem-12951	21	1	banks	bank	NOUN
fbem-12951	21	2	mainly	mainly	ADV
fbem-12951	21	3	use	use	VERB
fbem-12951	21	4	customer	customer	NOUN
fbem-12951	21	5	relationship	relationship	NOUN
fbem-12951	21	6	management	management	NOUN
fbem-12951	21	7	to	to	PART
fbem-12951	21	8	strengthen	strengthen	VERB
fbem-12951	21	9	and	and	CCONJ
fbem-12951	21	10	improve	improve	VERB
fbem-12951	21	11	customer	customer	NOUN
fbem-12951	21	12	relationships	relationship	NOUN
fbem-12951	21	13	,	,	PUNCT
fbem-12951	21	14	provide	provide	VERB
fbem-12951	21	15	customers	customer	NOUN
fbem-12951	21	16	with	with	ADP
fbem-12951	21	17	high	high	ADJ
fbem-12951	21	18	-	-	PUNCT
fbem-12951	21	19	quality	quality	NOUN
fbem-12951	21	20	services	service	NOUN
fbem-12951	21	21	,	,	PUNCT
fbem-12951	21	22	and	and	CCONJ
fbem-12951	21	23	improve	improve	VERB
fbem-12951	21	24	customer	customer	NOUN
fbem-12951	21	25	service	service	NOUN
fbem-12951	21	26	efficiency	efficiency	NOUN
fbem-12951	21	27	,	,	PUNCT
fbem-12951	21	28	so	so	SCONJ
fbem-12951	21	29	that	that	SCONJ
fbem-12951	21	30	banks	bank	NOUN
fbem-12951	21	31	can	can	AUX
fbem-12951	21	32	grasp	grasp	VERB
fbem-12951	21	33	customer	customer	NOUN
fbem-12951	21	34	needs	need	NOUN
fbem-12951	21	35	,	,	PUNCT
fbem-12951	21	36	win	win	VERB
fbem-12951	21	37	more	more	ADJ
fbem-12951	21	38	customers	customer	NOUN
fbem-12951	21	39	,	,	PUNCT
fbem-12951	21	40	and	and	CCONJ
fbem-12951	21	41	overall	overall	ADV
fbem-12951	21	42	reduce	reduce	VERB
fbem-12951	21	43	costs	cost	NOUN
fbem-12951	21	44	in	in	ADP
fbem-12951	21	45	the	the	DET
fbem-12951	21	46	rapidly	rapidly	ADV
fbem-12951	21	47	changing	change	VERB
fbem-12951	21	48	market	market	NOUN
fbem-12951	21	49	competition	competition	NOUN
fbem-12951	21	50	.	.	PUNCT
fbem-12951	22	1	bank	bank	NOUN
fbem-12951	22	2	operating	operating	NOUN
fbem-12951	22	3	costs	cost	NOUN
fbem-12951	22	4	.	.	PUNCT
fbem-12951	23	1	this	this	DET
fbem-12951	23	2	article	article	NOUN
fbem-12951	23	3	starts	start	VERB
fbem-12951	23	4	from	from	ADP
fbem-12951	23	5	customer	customer	NOUN
fbem-12951	23	6	relationship	relationship	NOUN
fbem-12951	23	7	management	management	NOUN
fbem-12951	23	8	to	to	PART
fbem-12951	23	9	sort	sort	VERB
fbem-12951	23	10	out	out	ADV
fbem-12951	23	11	and	and	CCONJ
fbem-12951	23	12	propose	propose	VERB
fbem-12951	23	13	the	the	DET
fbem-12951	23	14	theoretical	theoretical	ADJ
fbem-12951	23	15	basis	basis	NOUN
fbem-12951	23	16	that	that	SCONJ
fbem-12951	23	17	commercial	commercial	ADJ
fbem-12951	23	18	banks	bank	NOUN
fbem-12951	23	19	should	should	AUX
fbem-12951	23	20	provide	provide	VERB
fbem-12951	23	21	customized	customized	ADJ
fbem-12951	23	22	and	and	CCONJ
fbem-12951	23	23	personalized	personalized	ADJ
fbem-12951	23	24	services	service	NOUN
fbem-12951	23	25	for	for	ADP
fbem-12951	23	26	different	different	ADJ
fbem-12951	23	27	customer	customer	NOUN
fbem-12951	23	28	groups	group	NOUN
fbem-12951	23	29	.	.	PUNCT
fbem-12951	24	1	2	2	X
fbem-12951	24	2	.	.	X
fbem-12951	24	3	literature	literature	NOUN
fbem-12951	24	4	review	review	PROPN
fbem-12951	24	5	(	(	PUNCT
fbem-12951	24	6	lu	lu	PROPN
fbem-12951	24	7	haiyan	haiyan	PROPN
fbem-12951	24	8	2008	2008	NUM
fbem-12951	24	9	)	)	PUNCT
fbem-12951	24	10	believes	believe	VERB
fbem-12951	24	11	that	that	SCONJ
fbem-12951	24	12	it	it	PRON
fbem-12951	24	13	is	be	AUX
fbem-12951	24	14	inevitable	inevitable	ADJ
fbem-12951	24	15	for	for	SCONJ
fbem-12951	24	16	banks	bank	NOUN
fbem-12951	24	17	to	to	PART
fbem-12951	24	18	implement	implement	VERB
fbem-12951	24	19	customer	customer	NOUN
fbem-12951	24	20	relationship	relationship	NOUN
fbem-12951	24	21	management	management	NOUN
fbem-12951	24	22	:	:	PUNCT
fbem-12951	24	23	2.1	2.1	NUM
fbem-12951	24	24	.	.	PUNCT
fbem-12951	25	1	strengthen	strengthen	VERB
fbem-12951	25	2	customer	customer	NOUN
fbem-12951	25	3	relationship	relationship	NOUN
fbem-12951	25	4	management	management	NOUN
fbem-12951	25	5	and	and	CCONJ
fbem-12951	25	6	improve	improve	VERB
fbem-12951	25	7	the	the	DET
fbem-12951	25	8	competitiveness	competitiveness	NOUN
fbem-12951	25	9	of	of	ADP
fbem-12951	25	10	commercial	commercial	ADJ
fbem-12951	25	11	banks	bank	NOUN
fbem-12951	25	12	.	.	PUNCT
fbem-12951	26	1	the	the	DET
fbem-12951	26	2	inevitable	inevitable	ADJ
fbem-12951	26	3	choice	choice	NOUN
fbem-12951	26	4	to	to	PART
fbem-12951	26	5	enhance	enhance	VERB
fbem-12951	26	6	profitability	profitability	NOUN
fbem-12951	26	7	is	be	AUX
fbem-12951	26	8	to	to	PART
fbem-12951	26	9	strengthen	strengthen	VERB
fbem-12951	26	10	customer	customer	NOUN
fbem-12951	26	11	relationship	relationship	NOUN
fbem-12951	26	12	management	management	NOUN
fbem-12951	26	13	,	,	PUNCT
fbem-12951	26	14	discover	discover	VERB
fbem-12951	26	15	customer	customer	NOUN
fbem-12951	26	16	needs	need	NOUN
fbem-12951	26	17	,	,	PUNCT
fbem-12951	26	18	promote	promote	VERB
fbem-12951	26	19	the	the	DET
fbem-12951	26	20	bank	bank	NOUN
fbem-12951	26	21	's	's	PART
fbem-12951	26	22	financial	financial	ADJ
fbem-12951	26	23	products	product	NOUN
fbem-12951	26	24	,	,	PUNCT
fbem-12951	26	25	and	and	CCONJ
fbem-12951	26	26	leverage	leverage	VERB
fbem-12951	26	27	the	the	DET
fbem-12951	26	28	bank	bank	NOUN
fbem-12951	26	29	's	's	PART
fbem-12951	26	30	overall	overall	ADJ
fbem-12951	26	31	advantages	advantage	NOUN
fbem-12951	26	32	through	through	ADP
fbem-12951	26	33	back	back	ADJ
fbem-12951	26	34	-	-	PUNCT
fbem-12951	26	35	end	end	NOUN
fbem-12951	26	36	collaborative	collaborative	ADJ
fbem-12951	26	37	work	work	NOUN
fbem-12951	26	38	to	to	PART
fbem-12951	26	39	provide	provide	VERB
fbem-12951	26	40	customers	customer	NOUN
fbem-12951	26	41	with	with	ADP
fbem-12951	26	42	a	a	DET
fbem-12951	26	43	full	full	ADJ
fbem-12951	26	44	range	range	NOUN
fbem-12951	26	45	of	of	ADP
fbem-12951	26	46	financial	financial	ADJ
fbem-12951	26	47	services	service	NOUN
fbem-12951	26	48	.	.	PUNCT
fbem-12951	27	1	banks	bank	NOUN
fbem-12951	27	2	will	will	AUX
fbem-12951	27	3	do	do	VERB
fbem-12951	27	4	business	business	NOUN
fbem-12951	27	5	and	and	CCONJ
fbem-12951	27	6	develop	develop	VERB
fbem-12951	27	7	products	product	NOUN
fbem-12951	27	8	according	accord	VERB
fbem-12951	27	9	to	to	ADP
fbem-12951	27	10	the	the	DET
fbem-12951	27	11	requirements	requirement	NOUN
fbem-12951	27	12	of	of	ADP
fbem-12951	27	13	customers	customer	NOUN
fbem-12951	27	14	.	.	PUNCT
fbem-12951	28	1	this	this	PRON
fbem-12951	28	2	is	be	AUX
fbem-12951	28	3	how	how	SCONJ
fbem-12951	28	4	commercial	commercial	ADJ
fbem-12951	28	5	banks	bank	NOUN
fbem-12951	28	6	continue	continue	VERB
fbem-12951	28	7	to	to	PART
fbem-12951	28	8	innovate	innovate	VERB
fbem-12951	28	9	services	service	NOUN
fbem-12951	28	10	in	in	ADP
fbem-12951	28	11	the	the	DET
fbem-12951	28	12	process	process	NOUN
fbem-12951	28	13	of	of	ADP
fbem-12951	28	14	meeting	meet	VERB
fbem-12951	28	15	customer	customer	NOUN
fbem-12951	28	16	needs	need	NOUN
fbem-12951	28	17	,	,	PUNCT
fbem-12951	28	18	win	win	VERB
fbem-12951	28	19	the	the	DET
fbem-12951	28	20	market	market	NOUN
fbem-12951	28	21	and	and	CCONJ
fbem-12951	28	22	customers	customer	NOUN
fbem-12951	28	23	,	,	PUNCT
fbem-12951	28	24	and	and	CCONJ
fbem-12951	28	25	enhance	enhance	VERB
fbem-12951	28	26	their	their	PRON
fbem-12951	28	27	comprehensive	comprehensive	ADJ
fbem-12951	28	28	profitability	profitability	NOUN
fbem-12951	28	29	.	.	PUNCT
fbem-12951	29	1	2.2	2.2	NUM
fbem-12951	29	2	.	.	PUNCT
fbem-12951	30	1	implementing	implement	VERB
fbem-12951	30	2	customer	customer	NOUN
fbem-12951	30	3	relationship	relationship	NOUN
fbem-12951	30	4	management	management	NOUN
fbem-12951	30	5	is	be	AUX
fbem-12951	30	6	an	an	DET
fbem-12951	30	7	inevitable	inevitable	ADJ
fbem-12951	30	8	choice	choice	NOUN
fbem-12951	30	9	for	for	SCONJ
fbem-12951	30	10	banks	bank	NOUN
fbem-12951	30	11	to	to	PART
fbem-12951	30	12	implement	implement	VERB
fbem-12951	30	13	marketing	marketing	NOUN
fbem-12951	30	14	strategies	strategy	NOUN
fbem-12951	30	15	.	.	PUNCT
fbem-12951	31	1	the	the	DET
fbem-12951	31	2	marketing	marketing	NOUN
fbem-12951	31	3	concept	concept	NOUN
fbem-12951	31	4	believes	believe	VERB
fbem-12951	31	5	that	that	SCONJ
fbem-12951	31	6	only	only	ADV
fbem-12951	31	7	by	by	ADP
fbem-12951	31	8	exploring	explore	VERB
fbem-12951	31	9	,	,	PUNCT
fbem-12951	31	10	guiding	guiding	NOUN
fbem-12951	31	11	,	,	PUNCT
fbem-12951	31	12	and	and	CCONJ
fbem-12951	31	13	satisfying	satisfy	VERB
fbem-12951	31	14	customer	customer	NOUN
fbem-12951	31	15	needs	need	NOUN
fbem-12951	31	16	and	and	CCONJ
fbem-12951	31	17	demands	demand	NOUN
fbem-12951	31	18	through	through	ADP
fbem-12951	31	19	a	a	DET
fbem-12951	31	20	complete	complete	ADJ
fbem-12951	31	21	,	,	PUNCT
fbem-12951	31	22	effective	effective	ADJ
fbem-12951	31	23	system	system	NOUN
fbem-12951	31	24	and	and	CCONJ
fbem-12951	31	25	a	a	DET
fbem-12951	31	26	socially	socially	ADV
fbem-12951	31	27	responsible	responsible	ADJ
fbem-12951	31	28	attitude	attitude	NOUN
fbem-12951	31	29	can	can	AUX
fbem-12951	31	30	an	an	DET
fbem-12951	31	31	enterprise	enterprise	NOUN
fbem-12951	31	32	effectively	effectively	ADV
fbem-12951	31	33	achieve	achieve	VERB
fbem-12951	31	34	its	its	PRON
fbem-12951	31	35	goal	goal	NOUN
fbem-12951	31	36	of	of	ADP
fbem-12951	31	37	pursuing	pursue	VERB
fbem-12951	31	38	profits	profit	NOUN
fbem-12951	31	39	.	.	PUNCT
fbem-12951	32	1	2.3	2.3	NUM
fbem-12951	32	2	.	.	PUNCT
fbem-12951	32	3	implementing	implement	VERB
fbem-12951	32	4	customer	customer	NOUN
fbem-12951	32	5	relationship	relationship	NOUN
fbem-12951	32	6	management	management	NOUN
fbem-12951	32	7	is	be	AUX
fbem-12951	32	8	to	to	PART
fbem-12951	32	9	meet	meet	VERB
fbem-12951	32	10	the	the	DET
fbem-12951	32	11	diverse	diverse	ADJ
fbem-12951	32	12	needs	need	NOUN
fbem-12951	32	13	of	of	ADP
fbem-12951	32	14	customers	customer	NOUN
fbem-12951	32	15	.	.	PUNCT
fbem-12951	33	1	the	the	DET
fbem-12951	33	2	inevitable	inevitable	ADJ
fbem-12951	33	3	choice	choice	NOUN
fbem-12951	33	4	for	for	ADP
fbem-12951	33	5	financial	financial	ADJ
fbem-12951	33	6	service	service	NOUN
fbem-12951	33	7	system	system	NOUN
fbem-12951	33	8	innovation	innovation	NOUN
fbem-12951	33	9	is	be	AUX
fbem-12951	33	10	the	the	DET
fbem-12951	33	11	emergence	emergence	NOUN
fbem-12951	33	12	of	of	ADP
fbem-12951	33	13	customer	customer	NOUN
fbem-12951	33	14	relationship	relationship	NOUN
fbem-12951	33	15	56	56	NUM
fbem-12951	33	16	management	management	NOUN
fbem-12951	33	17	to	to	PART
fbem-12951	33	18	better	well	ADV
fbem-12951	33	19	meet	meet	VERB
fbem-12951	33	20	customer	customer	NOUN
fbem-12951	33	21	needs	need	NOUN
fbem-12951	33	22	.	.	PUNCT
fbem-12951	34	1	it	it	PRON
fbem-12951	34	2	requires	require	VERB
fbem-12951	34	3	that	that	SCONJ
fbem-12951	34	4	when	when	SCONJ
fbem-12951	34	5	banks	bank	NOUN
fbem-12951	34	6	provide	provide	VERB
fbem-12951	34	7	services	service	NOUN
fbem-12951	34	8	to	to	ADP
fbem-12951	34	9	customers	customer	NOUN
fbem-12951	34	10	,	,	PUNCT
fbem-12951	34	11	it	it	PRON
fbem-12951	34	12	is	be	AUX
fbem-12951	34	13	no	no	ADV
fbem-12951	34	14	longer	long	ADV
fbem-12951	34	15	"	"	PUNCT
fbem-12951	34	16	what	what	PRON
fbem-12951	34	17	i	i	PRON
fbem-12951	34	18	have	have	VERB
fbem-12951	34	19	,	,	PUNCT
fbem-12951	34	20	you	you	PRON
fbem-12951	34	21	use	use	VERB
fbem-12951	34	22	it	it	PRON
fbem-12951	34	23	"	"	PUNCT
fbem-12951	34	24	but	but	CCONJ
fbem-12951	34	25	"	"	PUNCT
fbem-12951	34	26	what	what	PRON
fbem-12951	34	27	you	you	PRON
fbem-12951	34	28	need	need	VERB
fbem-12951	34	29	,	,	PUNCT
fbem-12951	34	30	what	what	PRON
fbem-12951	34	31	i	i	PRON
fbem-12951	34	32	design	design	VERB
fbem-12951	34	33	for	for	ADP
fbem-12951	34	34	you	you	PRON
fbem-12951	34	35	"	"	PUNCT
fbem-12951	34	36	.	.	PUNCT
fbem-12951	35	1	this	this	DET
fbem-12951	35	2	update	update	NOUN
fbem-12951	35	3	in	in	ADP
fbem-12951	35	4	service	service	NOUN
fbem-12951	35	5	concept	concept	NOUN
fbem-12951	35	6	makes	make	VERB
fbem-12951	35	7	the	the	DET
fbem-12951	35	8	bank	bank	NOUN
fbem-12951	35	9	's	's	PART
fbem-12951	35	10	service	service	NOUN
fbem-12951	35	11	methods	method	NOUN
fbem-12951	35	12	more	more	ADV
fbem-12951	35	13	diversified	diversified	ADJ
fbem-12951	35	14	and	and	CCONJ
fbem-12951	35	15	personalized	personalize	VERB
fbem-12951	35	16	,	,	PUNCT
fbem-12951	35	17	so	so	SCONJ
fbem-12951	35	18	that	that	SCONJ
fbem-12951	35	19	it	it	PRON
fbem-12951	35	20	can	can	AUX
fbem-12951	35	21	meet	meet	VERB
fbem-12951	35	22	the	the	DET
fbem-12951	35	23	needs	need	NOUN
fbem-12951	35	24	of	of	ADP
fbem-12951	35	25	customers	customer	NOUN
fbem-12951	35	26	to	to	ADP
fbem-12951	35	27	the	the	DET
fbem-12951	35	28	greatest	great	ADJ
fbem-12951	35	29	extent	extent	NOUN
fbem-12951	35	30	.	.	PUNCT
fbem-12951	36	1	2.4	2.4	NUM
fbem-12951	36	2	.	.	PUNCT
fbem-12951	37	1	(	(	PUNCT
fbem-12951	37	2	ye	ye	NUM
fbem-12951	37	3	linzhen	linzhen	NOUN
fbem-12951	37	4	,	,	PUNCT
fbem-12951	37	5	dian	dian	PROPN
fbem-12951	37	6	weiyi	weiyi	PROPN
fbem-12951	37	7	2003	2003	NUM
fbem-12951	37	8	)	)	PUNCT
fbem-12951	37	9	explains	explain	VERB
fbem-12951	37	10	the	the	DET
fbem-12951	37	11	specific	specific	ADJ
fbem-12951	37	12	steps	step	NOUN
fbem-12951	37	13	for	for	ADP
fbem-12951	37	14	my	my	PRON
fbem-12951	37	15	country	country	NOUN
fbem-12951	37	16	’s	’s	PART
fbem-12951	37	17	commercial	commercial	ADJ
fbem-12951	37	18	banks	bank	NOUN
fbem-12951	37	19	to	to	PART
fbem-12951	37	20	implement	implement	VERB
fbem-12951	37	21	customer	customer	NOUN
fbem-12951	37	22	relationship	relationship	NOUN
fbem-12951	37	23	management	management	NOUN
fbem-12951	37	24	.	.	PUNCT
fbem-12951	38	1	2.4.1	2.4.1	X
fbem-12951	38	2	.	.	PUNCT
fbem-12951	38	3	collect	collect	VERB
fbem-12951	38	4	customer	customer	NOUN
fbem-12951	38	5	information	information	NOUN
fbem-12951	38	6	.	.	PUNCT
fbem-12951	39	1	banks	bank	NOUN
fbem-12951	39	2	need	need	VERB
fbem-12951	39	3	to	to	PART
fbem-12951	39	4	segment	segment	VERB
fbem-12951	39	5	their	their	PRON
fbem-12951	39	6	customers	customer	NOUN
fbem-12951	39	7	and	and	CCONJ
fbem-12951	39	8	provide	provide	VERB
fbem-12951	39	9	personalized	personalized	ADJ
fbem-12951	39	10	services	service	NOUN
fbem-12951	39	11	based	base	VERB
fbem-12951	39	12	on	on	ADP
fbem-12951	39	13	the	the	DET
fbem-12951	39	14	needs	need	NOUN
fbem-12951	39	15	of	of	ADP
fbem-12951	39	16	different	different	ADJ
fbem-12951	39	17	customers	customer	NOUN
fbem-12951	39	18	.	.	PUNCT
fbem-12951	40	1	under	under	ADP
fbem-12951	40	2	the	the	DET
fbem-12951	40	3	legal	legal	ADJ
fbem-12951	40	4	premise	premise	NOUN
fbem-12951	40	5	of	of	ADP
fbem-12951	40	6	protecting	protect	VERB
fbem-12951	40	7	customer	customer	NOUN
fbem-12951	40	8	business	business	NOUN
fbem-12951	40	9	secrets	secret	NOUN
fbem-12951	40	10	and	and	CCONJ
fbem-12951	40	11	personal	personal	ADJ
fbem-12951	40	12	privacy	privacy	NOUN
fbem-12951	40	13	,	,	PUNCT
fbem-12951	40	14	conduct	conduct	VERB
fbem-12951	40	15	in	in	ADP
fbem-12951	40	16	-	-	PUNCT
fbem-12951	40	17	depth	depth	NOUN
fbem-12951	40	18	and	and	CCONJ
fbem-12951	40	19	multi	multi	ADJ
fbem-12951	40	20	-	-	ADJ
fbem-12951	40	21	perspective	perspective	ADJ
fbem-12951	40	22	analysis	analysis	NOUN
fbem-12951	40	23	of	of	ADP
fbem-12951	40	24	group	group	NOUN
fbem-12951	40	25	customer	customer	NOUN
fbem-12951	40	26	information	information	NOUN
fbem-12951	40	27	,	,	PUNCT
fbem-12951	40	28	conduct	conduct	VERB
fbem-12951	40	29	comparative	comparative	ADJ
fbem-12951	40	30	analysis	analysis	NOUN
fbem-12951	40	31	of	of	ADP
fbem-12951	40	32	objective	objective	ADJ
fbem-12951	40	33	data	datum	NOUN
fbem-12951	40	34	and	and	CCONJ
fbem-12951	40	35	structural	structural	ADJ
fbem-12951	40	36	changes	change	NOUN
fbem-12951	40	37	of	of	ADP
fbem-12951	40	38	social	social	ADJ
fbem-12951	40	39	financial	financial	ADJ
fbem-12951	40	40	institutions	institution	NOUN
fbem-12951	40	41	,	,	PUNCT
fbem-12951	40	42	and	and	CCONJ
fbem-12951	40	43	establish	establish	VERB
fbem-12951	40	44	a	a	DET
fbem-12951	40	45	complete	complete	ADJ
fbem-12951	40	46	,	,	PUNCT
fbem-12951	40	47	scientific	scientific	ADJ
fbem-12951	40	48	,	,	PUNCT
fbem-12951	40	49	and	and	CCONJ
fbem-12951	40	50	objective	objective	ADJ
fbem-12951	40	51	information	information	NOUN
fbem-12951	40	52	analysis	analysis	NOUN
fbem-12951	40	53	system	system	NOUN
fbem-12951	40	54	for	for	ADP
fbem-12951	40	55	customer	customer	NOUN
fbem-12951	40	56	needs	need	NOUN
fbem-12951	40	57	and	and	CCONJ
fbem-12951	40	58	market	market	NOUN
fbem-12951	40	59	changes	change	NOUN
fbem-12951	40	60	.	.	PUNCT
fbem-12951	41	1	2.4.2	2.4.2	X
fbem-12951	41	2	.	.	PUNCT
fbem-12951	41	3	conduct	conduct	VERB
fbem-12951	41	4	classification	classification	NOUN
fbem-12951	41	5	analysis	analysis	NOUN
fbem-12951	41	6	on	on	ADP
fbem-12951	41	7	customers	customer	NOUN
fbem-12951	41	8	and	and	CCONJ
fbem-12951	41	9	identify	identify	VERB
fbem-12951	41	10	“	"	PUNCT
fbem-12951	41	11	gold	gold	NOUN
fbem-12951	41	12	medal	medal	NOUN
fbem-12951	41	13	”	"	PUNCT
fbem-12951	41	14	customers	customer	NOUN
fbem-12951	41	15	.	.	PUNCT
fbem-12951	42	1	for	for	ADP
fbem-12951	42	2	banks	bank	NOUN
fbem-12951	42	3	'	'	PART
fbem-12951	42	4	customer	customer	NOUN
fbem-12951	42	5	relationship	relationship	NOUN
fbem-12951	42	6	management	management	NOUN
fbem-12951	42	7	,	,	PUNCT
fbem-12951	42	8	the	the	DET
fbem-12951	42	9	most	most	ADV
fbem-12951	42	10	difficult	difficult	ADJ
fbem-12951	42	11	thing	thing	NOUN
fbem-12951	42	12	is	be	AUX
fbem-12951	42	13	to	to	PART
fbem-12951	42	14	identify	identify	VERB
fbem-12951	42	15	target	target	NOUN
fbem-12951	42	16	customers	customer	NOUN
fbem-12951	42	17	.	.	PUNCT
fbem-12951	43	1	in	in	ADP
fbem-12951	43	2	a	a	DET
fbem-12951	43	3	sense	sense	NOUN
fbem-12951	43	4	,	,	PUNCT
fbem-12951	43	5	gold	gold	NOUN
fbem-12951	43	6	medal	medal	NOUN
fbem-12951	43	7	customers	customer	NOUN
fbem-12951	43	8	are	be	AUX
fbem-12951	43	9	the	the	DET
fbem-12951	43	10	target	target	NOUN
fbem-12951	43	11	customers	customer	NOUN
fbem-12951	43	12	of	of	ADP
fbem-12951	43	13	the	the	DET
fbem-12951	43	14	bank	bank	NOUN
fbem-12951	43	15	.	.	PUNCT
fbem-12951	44	1	banks	bank	NOUN
fbem-12951	44	2	that	that	PRON
fbem-12951	44	3	focus	focus	VERB
fbem-12951	44	4	their	their	PRON
fbem-12951	44	5	efforts	effort	NOUN
fbem-12951	44	6	on	on	ADP
fbem-12951	44	7	transactions	transaction	NOUN
fbem-12951	44	8	with	with	ADP
fbem-12951	44	9	these	these	DET
fbem-12951	44	10	"	"	PUNCT
fbem-12951	44	11	golden	golden	ADJ
fbem-12951	44	12	"	"	PUNCT
fbem-12951	44	13	customers	customer	NOUN
fbem-12951	44	14	will	will	AUX
fbem-12951	44	15	make	make	VERB
fbem-12951	44	16	much	much	ADV
fbem-12951	44	17	more	more	ADJ
fbem-12951	44	18	profits	profit	NOUN
fbem-12951	44	19	than	than	SCONJ
fbem-12951	44	20	if	if	SCONJ
fbem-12951	44	21	they	they	PRON
fbem-12951	44	22	treat	treat	VERB
fbem-12951	44	23	all	all	DET
fbem-12951	44	24	customers	customer	NOUN
fbem-12951	44	25	equally	equally	ADV
fbem-12951	44	26	.	.	PUNCT
fbem-12951	45	1	2.4.3	2.4.3	X
fbem-12951	45	2	.	.	PUNCT
fbem-12951	45	3	meet	meet	VERB
fbem-12951	45	4	the	the	DET
fbem-12951	45	5	differentiated	differentiate	VERB
fbem-12951	45	6	needs	need	NOUN
fbem-12951	45	7	of	of	ADP
fbem-12951	45	8	“	"	PUNCT
fbem-12951	45	9	gold	gold	ADJ
fbem-12951	45	10	medal	medal	NOUN
fbem-12951	45	11	”	"	PUNCT
fbem-12951	45	12	customers	customer	NOUN
fbem-12951	45	13	and	and	CCONJ
fbem-12951	45	14	cultivate	cultivate	VERB
fbem-12951	45	15	customer	customer	NOUN
fbem-12951	45	16	loyalty	loyalty	NOUN
fbem-12951	45	17	.	.	PUNCT
fbem-12951	46	1	there	there	PRON
fbem-12951	46	2	is	be	VERB
fbem-12951	46	3	a	a	DET
fbem-12951	46	4	high	high	ADJ
fbem-12951	46	5	correlation	correlation	NOUN
fbem-12951	46	6	between	between	ADP
fbem-12951	46	7	customer	customer	NOUN
fbem-12951	46	8	loyalty	loyalty	NOUN
fbem-12951	46	9	and	and	CCONJ
fbem-12951	46	10	bank	bank	NOUN
fbem-12951	46	11	profits	profit	NOUN
fbem-12951	46	12	.	.	PUNCT
fbem-12951	47	1	when	when	SCONJ
fbem-12951	47	2	banks	bank	NOUN
fbem-12951	47	3	discover	discover	VERB
fbem-12951	47	4	"	"	PUNCT
fbem-12951	47	5	gold	gold	ADJ
fbem-12951	47	6	medal	medal	NOUN
fbem-12951	47	7	"	"	PUNCT
fbem-12951	47	8	customers	customer	NOUN
fbem-12951	47	9	,	,	PUNCT
fbem-12951	47	10	they	they	PRON
fbem-12951	47	11	must	must	AUX
fbem-12951	47	12	provide	provide	VERB
fbem-12951	47	13	personalized	personalized	ADJ
fbem-12951	47	14	services	service	NOUN
fbem-12951	47	15	based	base	VERB
fbem-12951	47	16	on	on	ADP
fbem-12951	47	17	their	their	PRON
fbem-12951	47	18	needs	need	NOUN
fbem-12951	47	19	based	base	VERB
fbem-12951	47	20	on	on	ADP
fbem-12951	47	21	the	the	DET
fbem-12951	47	22	analysis	analysis	NOUN
fbem-12951	47	23	of	of	ADP
fbem-12951	47	24	"	"	PUNCT
fbem-12951	47	25	gold	gold	ADJ
fbem-12951	47	26	medal	medal	NOUN
fbem-12951	47	27	"	"	PUNCT
fbem-12951	47	28	customer	customer	NOUN
fbem-12951	47	29	information	information	NOUN
fbem-12951	47	30	,	,	PUNCT
fbem-12951	47	31	improve	improve	VERB
fbem-12951	47	32	customer	customer	NOUN
fbem-12951	47	33	satisfaction	satisfaction	NOUN
fbem-12951	47	34	,	,	PUNCT
fbem-12951	47	35	cultivate	cultivate	VERB
fbem-12951	47	36	the	the	DET
fbem-12951	47	37	loyalty	loyalty	NOUN
fbem-12951	47	38	of	of	ADP
fbem-12951	47	39	these	these	DET
fbem-12951	47	40	customers	customer	NOUN
fbem-12951	47	41	,	,	PUNCT
fbem-12951	47	42	and	and	CCONJ
fbem-12951	47	43	thereby	thereby	ADV
fbem-12951	47	44	increase	increase	VERB
fbem-12951	47	45	customer	customer	NOUN
fbem-12951	47	46	lifetime	lifetime	NOUN
fbem-12951	47	47	value	value	NOUN
fbem-12951	47	48	.	.	PUNCT
fbem-12951	48	1	customer	customer	NOUN
fbem-12951	48	2	needs	need	NOUN
fbem-12951	48	3	are	be	AUX
fbem-12951	48	4	characterized	characterize	VERB
fbem-12951	48	5	by	by	ADP
fbem-12951	48	6	diversity	diversity	NOUN
fbem-12951	48	7	,	,	PUNCT
fbem-12951	48	8	difference	difference	NOUN
fbem-12951	48	9	,	,	PUNCT
fbem-12951	48	10	and	and	CCONJ
fbem-12951	48	11	change	change	NOUN
fbem-12951	48	12	,	,	PUNCT
fbem-12951	48	13	so	so	CCONJ
fbem-12951	48	14	the	the	DET
fbem-12951	48	15	financial	financial	ADJ
fbem-12951	48	16	service	service	NOUN
fbem-12951	48	17	requirements	requirement	NOUN
fbem-12951	48	18	caused	cause	VERB
fbem-12951	48	19	by	by	ADP
fbem-12951	48	20	customer	customer	NOUN
fbem-12951	48	21	needs	need	NOUN
fbem-12951	48	22	are	be	AUX
fbem-12951	48	23	also	also	ADV
fbem-12951	48	24	diverse	diverse	ADJ
fbem-12951	48	25	.	.	PUNCT
fbem-12951	49	1	from	from	ADP
fbem-12951	49	2	a	a	DET
fbem-12951	49	3	crm	crm	PROPN
fbem-12951	49	4	perspective	perspective	NOUN
fbem-12951	49	5	,	,	PUNCT
fbem-12951	49	6	to	to	PART
fbem-12951	49	7	facilitate	facilitate	VERB
fbem-12951	49	8	management	management	NOUN
fbem-12951	49	9	,	,	PUNCT
fbem-12951	49	10	banks	bank	NOUN
fbem-12951	49	11	must	must	AUX
fbem-12951	49	12	constantly	constantly	ADV
fbem-12951	49	13	and	and	CCONJ
fbem-12951	49	14	accurately	accurately	ADV
fbem-12951	49	15	determine	determine	VERB
fbem-12951	49	16	which	which	DET
fbem-12951	49	17	customer	customer	NOUN
fbem-12951	49	18	needs	need	NOUN
fbem-12951	49	19	are	be	AUX
fbem-12951	49	20	basic	basic	ADJ
fbem-12951	49	21	needs	need	NOUN
fbem-12951	49	22	and	and	CCONJ
fbem-12951	49	23	which	which	PRON
fbem-12951	49	24	are	be	AUX
fbem-12951	49	25	special	special	ADJ
fbem-12951	49	26	needs	need	NOUN
fbem-12951	49	27	and	and	CCONJ
fbem-12951	49	28	adopt	adopt	VERB
fbem-12951	49	29	corresponding	correspond	VERB
fbem-12951	49	30	policies	policy	NOUN
fbem-12951	49	31	in	in	ADP
fbem-12951	49	32	a	a	DET
fbem-12951	49	33	timely	timely	ADJ
fbem-12951	49	34	manner	manner	NOUN
fbem-12951	49	35	.	.	PUNCT
fbem-12951	50	1	to	to	PART
fbem-12951	50	2	retain	retain	VERB
fbem-12951	50	3	"	"	PUNCT
fbem-12951	50	4	gold	gold	NOUN
fbem-12951	50	5	medal	medal	NOUN
fbem-12951	50	6	"	"	PUNCT
fbem-12951	50	7	customers	customer	NOUN
fbem-12951	50	8	,	,	PUNCT
fbem-12951	50	9	the	the	DET
fbem-12951	50	10	truly	truly	ADV
fbem-12951	50	11	meaningful	meaningful	ADJ
fbem-12951	50	12	work	work	NOUN
fbem-12951	50	13	is	be	AUX
fbem-12951	50	14	to	to	PART
fbem-12951	50	15	discover	discover	VERB
fbem-12951	50	16	the	the	DET
fbem-12951	50	17	special	special	ADJ
fbem-12951	50	18	needs	need	NOUN
fbem-12951	50	19	of	of	ADP
fbem-12951	50	20	customers	customer	NOUN
fbem-12951	50	21	and	and	CCONJ
fbem-12951	50	22	meet	meet	VERB
fbem-12951	50	23	them	they	PRON
fbem-12951	50	24	in	in	ADP
fbem-12951	50	25	a	a	DET
fbem-12951	50	26	timely	timely	ADJ
fbem-12951	50	27	manner	manner	NOUN
fbem-12951	50	28	to	to	PART
fbem-12951	50	29	increase	increase	VERB
fbem-12951	50	30	customer	customer	NOUN
fbem-12951	50	31	dependence	dependence	NOUN
fbem-12951	50	32	and	and	CCONJ
fbem-12951	50	33	transfer	transfer	NOUN
fbem-12951	50	34	costs	cost	NOUN
fbem-12951	50	35	.	.	PUNCT
fbem-12951	51	1	2.4.4	2.4.4	X
fbem-12951	51	2	.	.	X
fbem-12951	51	3	transform	transform	VERB
fbem-12951	51	4	and	and	CCONJ
fbem-12951	51	5	differentiate	differentiate	VERB
fbem-12951	51	6	non-"gold	non-"gold	PROPN
fbem-12951	51	7	"	"	PUNCT
fbem-12951	51	8	customers	customer	NOUN
fbem-12951	51	9	.	.	PUNCT
fbem-12951	52	1	non-"gold	non-"gold	PROPN
fbem-12951	52	2	medal	medal	NOUN
fbem-12951	52	3	"	"	PUNCT
fbem-12951	52	4	customers	customer	NOUN
fbem-12951	52	5	will	will	AUX
fbem-12951	52	6	not	not	PART
fbem-12951	52	7	bring	bring	VERB
fbem-12951	52	8	greater	great	ADJ
fbem-12951	52	9	benefits	benefit	NOUN
fbem-12951	52	10	to	to	ADP
fbem-12951	52	11	the	the	DET
fbem-12951	52	12	bank	bank	NOUN
fbem-12951	52	13	,	,	PUNCT
fbem-12951	52	14	and	and	CCONJ
fbem-12951	52	15	some	some	PRON
fbem-12951	52	16	may	may	AUX
fbem-12951	52	17	even	even	ADV
fbem-12951	52	18	harm	harm	VERB
fbem-12951	52	19	the	the	DET
fbem-12951	52	20	bank	bank	NOUN
fbem-12951	52	21	's	's	PART
fbem-12951	52	22	interests	interest	NOUN
fbem-12951	52	23	.	.	PUNCT
fbem-12951	53	1	according	accord	VERB
fbem-12951	53	2	to	to	ADP
fbem-12951	53	3	traditional	traditional	ADJ
fbem-12951	53	4	customer	customer	NOUN
fbem-12951	53	5	relationship	relationship	NOUN
fbem-12951	53	6	management	management	NOUN
fbem-12951	53	7	theory	theory	NOUN
fbem-12951	53	8	,	,	PUNCT
fbem-12951	53	9	banks	bank	NOUN
fbem-12951	53	10	should	should	AUX
fbem-12951	53	11	gradually	gradually	ADV
fbem-12951	53	12	encounter	encounter	VERB
fbem-12951	53	13	or	or	CCONJ
fbem-12951	53	14	abandon	abandon	VERB
fbem-12951	53	15	these	these	DET
fbem-12951	53	16	customer	customer	NOUN
fbem-12951	53	17	groups	group	NOUN
fbem-12951	53	18	.	.	PUNCT
fbem-12951	54	1	however	however	ADV
fbem-12951	54	2	,	,	PUNCT
fbem-12951	54	3	relying	rely	VERB
fbem-12951	54	4	on	on	ADP
fbem-12951	54	5	the	the	DET
fbem-12951	54	6	rapid	rapid	ADJ
fbem-12951	54	7	development	development	NOUN
fbem-12951	54	8	of	of	ADP
fbem-12951	54	9	information	information	NOUN
fbem-12951	54	10	technology	technology	NOUN
fbem-12951	54	11	,	,	PUNCT
fbem-12951	54	12	banks	bank	NOUN
fbem-12951	54	13	can	can	AUX
fbem-12951	54	14	analyze	analyze	VERB
fbem-12951	54	15	them	they	PRON
fbem-12951	54	16	through	through	ADP
fbem-12951	54	17	effective	effective	ADJ
fbem-12951	54	18	means	mean	NOUN
fbem-12951	54	19	and	and	CCONJ
fbem-12951	54	20	differentiate	differentiate	VERB
fbem-12951	54	21	and	and	CCONJ
fbem-12951	54	22	transform	transform	VERB
fbem-12951	54	23	them	they	PRON
fbem-12951	54	24	on	on	ADP
fbem-12951	54	25	this	this	DET
fbem-12951	54	26	basis	basis	NOUN
fbem-12951	54	27	.	.	PUNCT
fbem-12951	55	1	first	first	ADV
fbem-12951	55	2	,	,	PUNCT
fbem-12951	55	3	for	for	ADP
fbem-12951	55	4	growth	growth	NOUN
fbem-12951	55	5	customers	customer	NOUN
fbem-12951	55	6	with	with	ADP
fbem-12951	55	7	greater	great	ADJ
fbem-12951	55	8	potential	potential	NOUN
fbem-12951	55	9	,	,	PUNCT
fbem-12951	55	10	banks	bank	NOUN
fbem-12951	55	11	can	can	AUX
fbem-12951	55	12	help	help	VERB
fbem-12951	55	13	them	they	PRON
fbem-12951	55	14	grow	grow	VERB
fbem-12951	55	15	by	by	ADP
fbem-12951	55	16	providing	provide	VERB
fbem-12951	55	17	investment	investment	NOUN
fbem-12951	55	18	and	and	CCONJ
fbem-12951	55	19	financial	financial	ADJ
fbem-12951	55	20	services	service	NOUN
fbem-12951	55	21	that	that	PRON
fbem-12951	55	22	suit	suit	VERB
fbem-12951	55	23	the	the	DET
fbem-12951	55	24	needs	need	NOUN
fbem-12951	55	25	of	of	ADP
fbem-12951	55	26	growth	growth	NOUN
fbem-12951	55	27	customers	customer	NOUN
fbem-12951	55	28	,	,	PUNCT
fbem-12951	55	29	and	and	CCONJ
fbem-12951	55	30	establish	establish	VERB
fbem-12951	55	31	close	close	ADJ
fbem-12951	55	32	cooperative	cooperative	ADJ
fbem-12951	55	33	relationships	relationship	NOUN
fbem-12951	55	34	with	with	ADP
fbem-12951	55	35	them	they	PRON
fbem-12951	55	36	during	during	ADP
fbem-12951	55	37	their	their	PRON
fbem-12951	55	38	growth	growth	NOUN
fbem-12951	55	39	process	process	NOUN
fbem-12951	55	40	,	,	PUNCT
fbem-12951	55	41	thereby	thereby	ADV
fbem-12951	55	42	transforming	transform	VERB
fbem-12951	55	43	such	such	ADJ
fbem-12951	55	44	customers	customer	NOUN
fbem-12951	55	45	into	into	ADP
fbem-12951	55	46	potential	potential	ADJ
fbem-12951	55	47	or	or	CCONJ
fbem-12951	55	48	actual	actual	ADJ
fbem-12951	55	49	gold	gold	NOUN
fbem-12951	55	50	medal	medal	NOUN
fbem-12951	55	51	customers	customer	NOUN
fbem-12951	55	52	;	;	PUNCT
fbem-12951	55	53	secondly	secondly	ADV
fbem-12951	55	54	,	,	PUNCT
fbem-12951	55	55	analyze	analyze	VERB
fbem-12951	55	56	some	some	DET
fbem-12951	55	57	general	general	ADJ
fbem-12951	55	58	customers	customer	NOUN
fbem-12951	55	59	with	with	ADP
fbem-12951	55	60	common	common	ADJ
fbem-12951	55	61	characteristics	characteristic	NOUN
fbem-12951	55	62	,	,	PUNCT
fbem-12951	55	63	gain	gain	VERB
fbem-12951	55	64	a	a	DET
fbem-12951	55	65	deep	deep	ADJ
fbem-12951	55	66	understanding	understanding	NOUN
fbem-12951	55	67	of	of	ADP
fbem-12951	55	68	their	their	PRON
fbem-12951	55	69	common	common	ADJ
fbem-12951	55	70	investment	investment	NOUN
fbem-12951	55	71	and	and	CCONJ
fbem-12951	55	72	financial	financial	ADJ
fbem-12951	55	73	management	management	NOUN
fbem-12951	55	74	needs	need	NOUN
fbem-12951	55	75	,	,	PUNCT
fbem-12951	55	76	and	and	CCONJ
fbem-12951	55	77	guide	guide	VERB
fbem-12951	55	78	and	and	CCONJ
fbem-12951	55	79	standardize	standardize	VERB
fbem-12951	55	80	their	their	PRON
fbem-12951	55	81	investment	investment	NOUN
fbem-12951	55	82	behavior	behavior	NOUN
fbem-12951	55	83	.	.	PUNCT
fbem-12951	56	1	develop	develop	VERB
fbem-12951	56	2	some	some	DET
fbem-12951	56	3	highly	highly	ADV
fbem-12951	56	4	targeted	target	VERB
fbem-12951	56	5	,	,	PUNCT
fbem-12951	56	6	selfservice	selfservice	NOUN
fbem-12951	56	7	investment	investment	NOUN
fbem-12951	56	8	and	and	CCONJ
fbem-12951	56	9	financial	financial	ADJ
fbem-12951	56	10	management	management	NOUN
fbem-12951	56	11	services	service	NOUN
fbem-12951	56	12	based	base	VERB
fbem-12951	56	13	on	on	ADP
fbem-12951	56	14	existing	exist	VERB
fbem-12951	56	15	technologies	technology	NOUN
fbem-12951	56	16	,	,	PUNCT
fbem-12951	56	17	with	with	ADP
fbem-12951	56	18	a	a	DET
fbem-12951	56	19	large	large	ADJ
fbem-12951	56	20	customer	customer	NOUN
fbem-12951	56	21	base	base	NOUN
fbem-12951	56	22	,	,	PUNCT
fbem-12951	56	23	low	low	ADJ
fbem-12951	56	24	maintenance	maintenance	NOUN
fbem-12951	56	25	technology	technology	NOUN
fbem-12951	56	26	content	content	NOUN
fbem-12951	56	27	and	and	CCONJ
fbem-12951	56	28	low	low	ADJ
fbem-12951	56	29	maintenance	maintenance	NOUN
fbem-12951	56	30	costs	cost	NOUN
fbem-12951	56	31	,	,	PUNCT
fbem-12951	56	32	and	and	CCONJ
fbem-12951	56	33	convenience	convenience	NOUN
fbem-12951	56	34	and	and	CCONJ
fbem-12951	56	35	speed	speed	NOUN
fbem-12951	56	36	as	as	ADP
fbem-12951	56	37	customer	customer	NOUN
fbem-12951	56	38	satisfaction	satisfaction	NOUN
fbem-12951	56	39	standards	standard	NOUN
fbem-12951	56	40	;	;	PUNCT
fbem-12951	56	41	third	third	ADV
fbem-12951	56	42	,	,	PUNCT
fbem-12951	56	43	for	for	ADP
fbem-12951	56	44	customers	customer	NOUN
fbem-12951	56	45	other	other	ADJ
fbem-12951	56	46	than	than	ADP
fbem-12951	56	47	the	the	DET
fbem-12951	56	48	above	above	ADJ
fbem-12951	56	49	two	two	NUM
fbem-12951	56	50	types	type	NOUN
fbem-12951	56	51	of	of	ADP
fbem-12951	56	52	customers	customer	NOUN
fbem-12951	56	53	,	,	PUNCT
fbem-12951	56	54	it	it	PRON
fbem-12951	56	55	is	be	AUX
fbem-12951	56	56	difficult	difficult	ADJ
fbem-12951	56	57	for	for	SCONJ
fbem-12951	56	58	banks	bank	NOUN
fbem-12951	56	59	to	to	PART
fbem-12951	56	60	make	make	VERB
fbem-12951	56	61	profits	profit	NOUN
fbem-12951	56	62	no	no	ADV
fbem-12951	56	63	matter	matter	ADV
fbem-12951	56	64	what	what	DET
fbem-12951	56	65	service	service	NOUN
fbem-12951	56	66	method	method	NOUN
fbem-12951	56	67	they	they	PRON
fbem-12951	56	68	adopt	adopt	VERB
fbem-12951	56	69	.	.	PUNCT
fbem-12951	57	1	for	for	ADP
fbem-12951	57	2	this	this	DET
fbem-12951	57	3	reason	reason	NOUN
fbem-12951	57	4	,	,	PUNCT
fbem-12951	57	5	banks	bank	NOUN
fbem-12951	57	6	should	should	AUX
fbem-12951	57	7	adopt	adopt	VERB
fbem-12951	57	8	an	an	DET
fbem-12951	57	9	abandonment	abandonment	NOUN
fbem-12951	57	10	strategy	strategy	NOUN
fbem-12951	57	11	.	.	PUNCT
fbem-12951	58	1	2.4.5	2.4.5	X
fbem-12951	58	2	.	.	PUNCT
fbem-12951	59	1	maintain	maintain	VERB
fbem-12951	59	2	good	good	ADJ
fbem-12951	59	3	contact	contact	NOUN
fbem-12951	59	4	with	with	ADP
fbem-12951	59	5	customers	customer	NOUN
fbem-12951	59	6	and	and	CCONJ
fbem-12951	59	7	obtain	obtain	VERB
fbem-12951	59	8	customer	customer	NOUN
fbem-12951	59	9	feedback	feedback	NOUN
fbem-12951	59	10	.	.	PUNCT
fbem-12951	60	1	for	for	SCONJ
fbem-12951	60	2	banks	bank	NOUN
fbem-12951	60	3	to	to	PART
fbem-12951	60	4	provide	provide	VERB
fbem-12951	60	5	good	good	ADJ
fbem-12951	60	6	customer	customer	NOUN
fbem-12951	60	7	service	service	NOUN
fbem-12951	60	8	,	,	PUNCT
fbem-12951	60	9	it	it	PRON
fbem-12951	60	10	is	be	AUX
fbem-12951	60	11	very	very	ADV
fbem-12951	60	12	important	important	ADJ
fbem-12951	60	13	to	to	PART
fbem-12951	60	14	obtain	obtain	VERB
fbem-12951	60	15	valuable	valuable	ADJ
fbem-12951	60	16	feedback	feedback	NOUN
fbem-12951	60	17	from	from	ADP
fbem-12951	60	18	customers	customer	NOUN
fbem-12951	60	19	.	.	PUNCT
fbem-12951	61	1	from	from	ADP
fbem-12951	61	2	this	this	DET
fbem-12951	61	3	feedback	feedback	NOUN
fbem-12951	61	4	information	information	NOUN
fbem-12951	61	5	,	,	PUNCT
fbem-12951	61	6	banks	bank	NOUN
fbem-12951	61	7	can	can	AUX
fbem-12951	61	8	learn	learn	VERB
fbem-12951	61	9	many	many	ADJ
fbem-12951	61	10	things	thing	NOUN
fbem-12951	61	11	that	that	PRON
fbem-12951	61	12	are	be	AUX
fbem-12951	61	13	beneficial	beneficial	ADJ
fbem-12951	61	14	to	to	ADP
fbem-12951	61	15	business	business	NOUN
fbem-12951	61	16	development	development	NOUN
fbem-12951	61	17	.	.	PUNCT
fbem-12951	62	1	for	for	ADP
fbem-12951	62	2	example	example	NOUN
fbem-12951	62	3	,	,	PUNCT
fbem-12951	62	4	customers	customer	NOUN
fbem-12951	62	5	purchase	purchase	VERB
fbem-12951	62	6	the	the	DET
fbem-12951	62	7	bank	bank	NOUN
fbem-12951	62	8	's	's	PART
fbem-12951	62	9	main	main	ADJ
fbem-12951	62	10	products	product	NOUN
fbem-12951	62	11	just	just	ADV
fbem-12951	62	12	to	to	PART
fbem-12951	62	13	get	get	VERB
fbem-12951	62	14	free	free	ADJ
fbem-12951	62	15	gifts	gift	NOUN
fbem-12951	62	16	,	,	PUNCT
fbem-12951	62	17	customers	customer	NOUN
fbem-12951	62	18	may	may	AUX
fbem-12951	62	19	find	find	VERB
fbem-12951	62	20	the	the	DET
fbem-12951	62	21	bank	bank	NOUN
fbem-12951	62	22	's	's	PART
fbem-12951	62	23	website	website	NOUN
fbem-12951	62	24	navigation	navigation	NOUN
fbem-12951	62	25	inconvenient	inconvenient	NOUN
fbem-12951	62	26	,	,	PUNCT
fbem-12951	62	27	etc	etc	X
fbem-12951	62	28	.	.	X
fbem-12951	62	29	armed	arm	VERB
fbem-12951	62	30	with	with	ADP
fbem-12951	62	31	important	important	ADJ
fbem-12951	62	32	information	information	NOUN
fbem-12951	62	33	such	such	ADJ
fbem-12951	62	34	as	as	ADP
fbem-12951	62	35	this	this	PRON
fbem-12951	62	36	,	,	PUNCT
fbem-12951	62	37	banks	bank	NOUN
fbem-12951	62	38	can	can	AUX
fbem-12951	62	39	adjust	adjust	VERB
fbem-12951	62	40	accordingly	accordingly	ADV
fbem-12951	62	41	.	.	PUNCT
fbem-12951	63	1	for	for	ADP
fbem-12951	63	2	example	example	NOUN
fbem-12951	63	3	:	:	PUNCT
fbem-12951	63	4	improving	improve	VERB
fbem-12951	63	5	website	website	NOUN
fbem-12951	63	6	design	design	NOUN
fbem-12951	63	7	,	,	PUNCT
fbem-12951	63	8	products	product	NOUN
fbem-12951	63	9	or	or	CCONJ
fbem-12951	63	10	services	service	NOUN
fbem-12951	63	11	,	,	PUNCT
fbem-12951	63	12	advertising	advertising	NOUN
fbem-12951	63	13	,	,	PUNCT
fbem-12951	63	14	and	and	CCONJ
fbem-12951	63	15	marketing	marketing	NOUN
fbem-12951	63	16	strategies	strategy	NOUN
fbem-12951	63	17	,	,	PUNCT
fbem-12951	63	18	etc	etc	X
fbem-12951	63	19	.	.	X
fbem-12951	63	20	,	,	PUNCT
fbem-12951	63	21	will	will	AUX
fbem-12951	63	22	better	well	ADV
fbem-12951	63	23	strengthen	strengthen	VERB
fbem-12951	63	24	customer	customer	NOUN
fbem-12951	63	25	relationship	relationship	NOUN
fbem-12951	63	26	management	management	NOUN
fbem-12951	63	27	.	.	PUNCT
fbem-12951	64	1	2.5	2.5	NUM
fbem-12951	64	2	.	.	PUNCT
fbem-12951	65	1	(	(	PUNCT
fbem-12951	65	2	jiang	jiang	PROPN
fbem-12951	65	3	lili	lili	PROPN
fbem-12951	65	4	2005	2005	NUM
fbem-12951	65	5	)	)	PUNCT
fbem-12951	65	6	put	put	VERB
fbem-12951	65	7	forward	forward	ADV
fbem-12951	65	8	the	the	DET
fbem-12951	65	9	problems	problem	NOUN
fbem-12951	65	10	existing	exist	VERB
fbem-12951	65	11	in	in	ADP
fbem-12951	65	12	customer	customer	NOUN
fbem-12951	65	13	relationship	relationship	NOUN
fbem-12951	65	14	management	management	NOUN
fbem-12951	65	15	of	of	ADP
fbem-12951	65	16	commercial	commercial	ADJ
fbem-12951	65	17	banks	bank	NOUN
fbem-12951	65	18	2.5.1	2.5.1	NUM
fbem-12951	65	19	.	.	PUNCT
fbem-12951	66	1	lack	lack	NOUN
fbem-12951	66	2	of	of	ADP
fbem-12951	66	3	systematic	systematic	ADJ
fbem-12951	66	4	understanding	understanding	NOUN
fbem-12951	66	5	of	of	ADP
fbem-12951	66	6	customer	customer	NOUN
fbem-12951	66	7	relationship	relationship	NOUN
fbem-12951	66	8	management	management	NOUN
fbem-12951	66	9	the	the	DET
fbem-12951	66	10	core	core	NOUN
fbem-12951	66	11	of	of	ADP
fbem-12951	66	12	customer	customer	NOUN
fbem-12951	66	13	relationship	relationship	NOUN
fbem-12951	66	14	management	management	NOUN
fbem-12951	66	15	is	be	AUX
fbem-12951	66	16	to	to	PART
fbem-12951	66	17	establish	establish	VERB
fbem-12951	66	18	a	a	DET
fbem-12951	66	19	customer	customer	NOUN
fbem-12951	66	20	-	-	PUNCT
fbem-12951	66	21	centered	center	VERB
fbem-12951	66	22	idea	idea	NOUN
fbem-12951	66	23	,	,	PUNCT
fbem-12951	66	24	regard	regard	VERB
fbem-12951	66	25	customers	customer	NOUN
fbem-12951	66	26	as	as	ADP
fbem-12951	66	27	an	an	DET
fbem-12951	66	28	important	important	ADJ
fbem-12951	66	29	resource	resource	NOUN
fbem-12951	66	30	of	of	ADP
fbem-12951	66	31	the	the	DET
fbem-12951	66	32	enterprise	enterprise	NOUN
fbem-12951	66	33	,	,	PUNCT
fbem-12951	66	34	and	and	CCONJ
fbem-12951	66	35	meet	meet	VERB
fbem-12951	66	36	customer	customer	NOUN
fbem-12951	66	37	needs	need	VERB
fbem-12951	66	38	as	as	ADP
fbem-12951	66	39	the	the	DET
fbem-12951	66	40	goal	goal	NOUN
fbem-12951	66	41	.	.	PUNCT
fbem-12951	67	1	in	in	ADP
fbem-12951	67	2	actual	actual	ADJ
fbem-12951	67	3	daily	daily	ADJ
fbem-12951	67	4	work	work	NOUN
fbem-12951	67	5	,	,	PUNCT
fbem-12951	67	6	the	the	DET
fbem-12951	67	7	customer	customer	NOUN
fbem-12951	67	8	-	-	PUNCT
fbem-12951	67	9	centered	center	VERB
fbem-12951	67	10	operating	operating	NOUN
fbem-12951	67	11	philosophy	philosophy	NOUN
fbem-12951	67	12	is	be	AUX
fbem-12951	67	13	not	not	PART
fbem-12951	67	14	established	establish	VERB
fbem-12951	67	15	.	.	PUNCT
fbem-12951	68	1	the	the	DET
fbem-12951	68	2	understanding	understanding	NOUN
fbem-12951	68	3	of	of	ADP
fbem-12951	68	4	customer	customer	NOUN
fbem-12951	68	5	relationship	relationship	NOUN
fbem-12951	68	6	management	management	NOUN
fbem-12951	68	7	is	be	AUX
fbem-12951	68	8	only	only	ADV
fbem-12951	68	9	superficial	superficial	ADJ
fbem-12951	68	10	,	,	PUNCT
fbem-12951	68	11	and	and	CCONJ
fbem-12951	68	12	there	there	PRON
fbem-12951	68	13	is	be	VERB
fbem-12951	68	14	no	no	DET
fbem-12951	68	15	deep	deep	ADJ
fbem-12951	68	16	understanding	understanding	NOUN
fbem-12951	68	17	of	of	ADP
fbem-12951	68	18	the	the	DET
fbem-12951	68	19	potential	potential	ADJ
fbem-12951	68	20	needs	need	NOUN
fbem-12951	68	21	of	of	ADP
fbem-12951	68	22	customers	customer	NOUN
fbem-12951	68	23	.	.	PUNCT
fbem-12951	69	1	of	of	ADP
fbem-12951	69	2	course	course	ADV
fbem-12951	69	3	,	,	PUNCT
fbem-12951	69	4	it	it	PRON
fbem-12951	69	5	is	be	AUX
fbem-12951	69	6	impossible	impossible	ADJ
fbem-12951	69	7	to	to	PART
fbem-12951	69	8	provide	provide	VERB
fbem-12951	69	9	targeted	target	VERB
fbem-12951	69	10	services	service	NOUN
fbem-12951	69	11	.	.	PUNCT
fbem-12951	70	1	2.5.2	2.5.2	NUM
fbem-12951	70	2	.	.	PUNCT
fbem-12951	70	3	limitations	limitation	NOUN
fbem-12951	70	4	of	of	ADP
fbem-12951	70	5	the	the	DET
fbem-12951	70	6	traditional	traditional	ADJ
fbem-12951	70	7	management	management	NOUN
fbem-12951	70	8	system	system	NOUN
fbem-12951	70	9	and	and	CCONJ
fbem-12951	70	10	business	business	NOUN
fbem-12951	70	11	processes	process	VERB
fbem-12951	70	12	the	the	DET
fbem-12951	70	13	management	management	NOUN
fbem-12951	70	14	system	system	NOUN
fbem-12951	70	15	of	of	ADP
fbem-12951	70	16	my	my	PRON
fbem-12951	70	17	country	country	NOUN
fbem-12951	70	18	's	's	PART
fbem-12951	70	19	commercial	commercial	ADJ
fbem-12951	70	20	banks	bank	NOUN
fbem-12951	70	21	is	be	AUX
fbem-12951	70	22	vertical	vertical	ADJ
fbem-12951	70	23	management	management	NOUN
fbem-12951	70	24	under	under	ADP
fbem-12951	70	25	the	the	DET
fbem-12951	70	26	unified	unified	ADJ
fbem-12951	70	27	leadership	leadership	NOUN
fbem-12951	70	28	of	of	ADP
fbem-12951	70	29	the	the	DET
fbem-12951	70	30	president	president	NOUN
fbem-12951	70	31	.	.	PUNCT
fbem-12951	71	1	it	it	PRON
fbem-12951	71	2	has	have	VERB
fbem-12951	71	3	many	many	ADJ
fbem-12951	71	4	management	management	NOUN
fbem-12951	71	5	levels	level	NOUN
fbem-12951	71	6	,	,	PUNCT
fbem-12951	71	7	duplicated	duplicate	VERB
fbem-12951	71	8	institutions	institution	NOUN
fbem-12951	71	9	,	,	PUNCT
fbem-12951	71	10	and	and	CCONJ
fbem-12951	71	11	low	low	ADJ
fbem-12951	71	12	business	business	NOUN
fbem-12951	71	13	process	process	NOUN
fbem-12951	71	14	efficiency	efficiency	NOUN
fbem-12951	71	15	.	.	PUNCT
fbem-12951	72	1	under	under	ADP
fbem-12951	72	2	this	this	DET
fbem-12951	72	3	management	management	NOUN
fbem-12951	72	4	method	method	NOUN
fbem-12951	72	5	,	,	PUNCT
fbem-12951	72	6	management	management	NOUN
fbem-12951	72	7	departments	department	NOUN
fbem-12951	72	8	at	at	ADP
fbem-12951	72	9	all	all	DET
fbem-12951	72	10	levels	level	NOUN
fbem-12951	72	11	are	be	AUX
fbem-12951	72	12	only	only	ADV
fbem-12951	72	13	responsible	responsible	ADJ
fbem-12951	72	14	to	to	ADP
fbem-12951	72	15	the	the	DET
fbem-12951	72	16	president	president	NOUN
fbem-12951	72	17	,	,	PUNCT
fbem-12951	72	18	and	and	CCONJ
fbem-12951	72	19	lack	lack	VERB
fbem-12951	72	20	horizontal	horizontal	ADJ
fbem-12951	72	21	communication	communication	NOUN
fbem-12951	72	22	and	and	CCONJ
fbem-12951	72	23	contact	contact	NOUN
fbem-12951	72	24	with	with	ADP
fbem-12951	72	25	each	each	DET
fbem-12951	72	26	other	other	ADJ
fbem-12951	72	27	,	,	PUNCT
fbem-12951	72	28	let	let	VERB
fbem-12951	72	29	alone	alone	ADJ
fbem-12951	72	30	mutual	mutual	ADJ
fbem-12951	72	31	collaboration	collaboration	NOUN
fbem-12951	72	32	;	;	PUNCT
fbem-12951	72	33	and	and	CCONJ
fbem-12951	72	34	the	the	DET
fbem-12951	72	35	application	application	NOUN
fbem-12951	72	36	of	of	ADP
fbem-12951	72	37	customer	customer	NOUN
fbem-12951	72	38	relationship	relationship	NOUN
fbem-12951	72	39	management	management	NOUN
fbem-12951	72	40	is	be	AUX
fbem-12951	72	41	based	base	VERB
fbem-12951	72	42	on	on	ADP
fbem-12951	72	43	market	market	NOUN
fbem-12951	72	44	and	and	CCONJ
fbem-12951	72	45	customer	customer	NOUN
fbem-12951	72	46	needs	need	NOUN
fbem-12951	72	47	.	.	PUNCT
fbem-12951	73	1	it	it	PRON
fbem-12951	73	2	is	be	AUX
fbem-12951	73	3	based	base	VERB
fbem-12951	73	4	on	on	ADP
fbem-12951	73	5	a	a	DET
fbem-12951	73	6	division	division	NOUN
fbem-12951	73	7	of	of	ADP
fbem-12951	73	8	labor	labor	NOUN
fbem-12951	73	9	and	and	CCONJ
fbem-12951	73	10	collaboration	collaboration	NOUN
fbem-12951	73	11	mechanism	mechanism	NOUN
fbem-12951	73	12	as	as	ADP
fbem-12951	73	13	the	the	DET
fbem-12951	73	14	core	core	NOUN
fbem-12951	73	15	,	,	PUNCT
fbem-12951	73	16	involving	involve	VERB
fbem-12951	73	17	various	various	ADJ
fbem-12951	73	18	management	management	NOUN
fbem-12951	73	19	departments	department	NOUN
fbem-12951	73	20	within	within	ADP
fbem-12951	73	21	the	the	DET
fbem-12951	73	22	bank	bank	NOUN
fbem-12951	73	23	.	.	PUNCT
fbem-12951	74	1	at	at	ADP
fbem-12951	74	2	the	the	DET
fbem-12951	74	3	same	same	ADJ
fbem-12951	74	4	time	time	NOUN
fbem-12951	74	5	,	,	PUNCT
fbem-12951	74	6	the	the	DET
fbem-12951	74	7	various	various	ADJ
fbem-12951	74	8	businesses	business	NOUN
fbem-12951	74	9	launched	launch	VERB
fbem-12951	74	10	by	by	ADP
fbem-12951	74	11	banks	bank	NOUN
fbem-12951	74	12	are	be	AUX
fbem-12951	74	13	often	often	ADV
fbem-12951	74	14	artificially	artificially	ADV
fbem-12951	74	15	divided	divide	VERB
fbem-12951	74	16	and	and	CCONJ
fbem-12951	74	17	scattered	scatter	VERB
fbem-12951	74	18	in	in	ADP
fbem-12951	74	19	different	different	ADJ
fbem-12951	74	20	professional	professional	ADJ
fbem-12951	74	21	management	management	NOUN
fbem-12951	74	22	departments	department	NOUN
fbem-12951	74	23	.	.	PUNCT
fbem-12951	75	1	the	the	DET
fbem-12951	75	2	design	design	NOUN
fbem-12951	75	3	of	of	ADP
fbem-12951	75	4	bank	bank	NOUN
fbem-12951	75	5	business	business	NOUN
fbem-12951	75	6	processes	process	NOUN
fbem-12951	75	7	is	be	AUX
fbem-12951	75	8	still	still	ADV
fbem-12951	75	9	centered	center	VERB
fbem-12951	75	10	on	on	ADP
fbem-12951	75	11	functions	function	NOUN
fbem-12951	75	12	and	and	CCONJ
fbem-12951	75	13	businesses	business	NOUN
fbem-12951	75	14	,	,	PUNCT
fbem-12951	75	15	resulting	result	VERB
fbem-12951	75	16	in	in	ADP
fbem-12951	75	17	inefficiency	inefficiency	NOUN
fbem-12951	75	18	of	of	ADP
fbem-12951	75	19	the	the	DET
fbem-12951	75	20	entire	entire	ADJ
fbem-12951	75	21	bank	bank	NOUN
fbem-12951	75	22	business	business	NOUN
fbem-12951	75	23	process	process	NOUN
fbem-12951	75	24	and	and	CCONJ
fbem-12951	75	25	being	be	AUX
fbem-12951	75	26	unsuitable	unsuitable	ADJ
fbem-12951	75	27	for	for	ADP
fbem-12951	75	28	the	the	DET
fbem-12951	75	29	modern	modern	ADJ
fbem-12951	75	30	banking	banking	NOUN
fbem-12951	75	31	industry	industry	NOUN
fbem-12951	75	32	.	.	PUNCT
fbem-12951	76	1	the	the	DET
fbem-12951	76	2	need	need	NOUN
fbem-12951	76	3	for	for	ADP
fbem-12951	76	4	rapid	rapid	ADJ
fbem-12951	76	5	development	development	NOUN
fbem-12951	76	6	.	.	PUNCT
fbem-12951	77	1	2.5.3	2.5.3	NUM
fbem-12951	77	2	.	.	PUNCT
fbem-12951	77	3	lack	lack	NOUN
fbem-12951	77	4	of	of	ADP
fbem-12951	77	5	comprehensive	comprehensive	ADJ
fbem-12951	77	6	talents	talent	NOUN
fbem-12951	77	7	.	.	PUNCT
fbem-12951	78	1	account	account	NOUN
fbem-12951	78	2	managers	manager	NOUN
fbem-12951	78	3	of	of	ADP
fbem-12951	78	4	modern	modern	ADJ
fbem-12951	78	5	commercial	commercial	ADJ
fbem-12951	78	6	banks	bank	NOUN
fbem-12951	78	7	must	must	AUX
fbem-12951	78	8	not	not	PART
fbem-12951	78	9	only	only	ADV
fbem-12951	78	10	have	have	VERB
fbem-12951	78	11	strong	strong	ADJ
fbem-12951	78	12	professionalism	professionalism	NOUN
fbem-12951	78	13	and	and	CCONJ
fbem-12951	78	14	role	role	NOUN
fbem-12951	78	15	understanding	understanding	NOUN
fbem-12951	78	16	,	,	PUNCT
fbem-12951	78	17	but	but	CCONJ
fbem-12951	78	18	also	also	ADV
fbem-12951	78	19	have	have	VERB
fbem-12951	78	20	a	a	DET
fbem-12951	78	21	high	high	ADJ
fbem-12951	78	22	comprehensive	comprehensive	ADJ
fbem-12951	78	23	business	business	NOUN
fbem-12951	78	24	level	level	NOUN
fbem-12951	78	25	and	and	CCONJ
fbem-12951	78	26	internal	internal	ADJ
fbem-12951	78	27	and	and	CCONJ
fbem-12951	78	28	external	external	ADJ
fbem-12951	78	29	coordination	coordination	NOUN
fbem-12951	78	30	capabilities	capability	NOUN
fbem-12951	78	31	and	and	CCONJ
fbem-12951	78	32	understand	understand	VERB
fbem-12951	78	33	the	the	DET
fbem-12951	78	34	financial	financial	ADJ
fbem-12951	78	35	products	product	NOUN
fbem-12951	78	36	and	and	CCONJ
fbem-12951	78	37	services	service	NOUN
fbem-12951	78	38	that	that	PRON
fbem-12951	78	39	the	the	DET
fbem-12951	78	40	bank	bank	NOUN
fbem-12951	78	41	can	can	AUX
fbem-12951	78	42	provide	provide	VERB
fbem-12951	78	43	.	.	PUNCT
fbem-12951	79	1	you	you	PRON
fbem-12951	79	2	should	should	AUX
fbem-12951	79	3	be	be	AUX
fbem-12951	79	4	able	able	ADJ
fbem-12951	79	5	to	to	PART
fbem-12951	79	6	understand	understand	VERB
fbem-12951	79	7	the	the	DET
fbem-12951	79	8	service	service	NOUN
fbem-12951	79	9	.	.	PUNCT
fbem-12951	80	1	some	some	DET
fbem-12951	80	2	business	business	NOUN
fbem-12951	80	3	disputes	dispute	NOUN
fbem-12951	80	4	must	must	AUX
fbem-12951	80	5	be	be	AUX
fbem-12951	80	6	handled	handle	VERB
fbem-12951	80	7	by	by	ADP
fbem-12951	80	8	yourself	yourself	PRON
fbem-12951	80	9	,	,	PUNCT
fbem-12951	80	10	but	but	CCONJ
fbem-12951	80	11	you	you	PRON
fbem-12951	80	12	must	must	AUX
fbem-12951	80	13	be	be	AUX
fbem-12951	80	14	able	able	ADJ
fbem-12951	80	15	to	to	PART
fbem-12951	80	16	explain	explain	VERB
fbem-12951	80	17	why	why	SCONJ
fbem-12951	80	18	,	,	PUNCT
fbem-12951	80	19	be	be	AUX
fbem-12951	80	20	proficient	proficient	ADJ
fbem-12951	80	21	in	in	ADP
fbem-12951	80	22	the	the	DET
fbem-12951	80	23	basic	basic	ADJ
fbem-12951	80	24	procedures	procedure	NOUN
fbem-12951	80	25	of	of	ADP
fbem-12951	80	26	operation	operation	NOUN
fbem-12951	80	27	,	,	PUNCT
fbem-12951	80	28	and	and	CCONJ
fbem-12951	80	29	conscientiously	conscientiously	ADV
fbem-12951	80	30	perform	perform	VERB
fbem-12951	80	31	the	the	DET
fbem-12951	80	32	duties	duty	NOUN
fbem-12951	80	33	of	of	ADP
fbem-12951	80	34	the	the	DET
fbem-12951	80	35	customer	customer	NOUN
fbem-12951	80	36	's	's	PART
fbem-12951	80	37	shopping	shopping	NOUN
fbem-12951	80	38	57	57	NUM
fbem-12951	80	39	guide	guide	NOUN
fbem-12951	80	40	and	and	CCONJ
fbem-12951	80	41	waiter	waiter	NOUN
fbem-12951	80	42	.	.	PUNCT
fbem-12951	81	1	due	due	ADP
fbem-12951	81	2	to	to	ADP
fbem-12951	81	3	the	the	DET
fbem-12951	81	4	lack	lack	NOUN
fbem-12951	81	5	of	of	ADP
fbem-12951	81	6	system	system	NOUN
fbem-12951	81	7	training	training	NOUN
fbem-12951	81	8	,	,	PUNCT
fbem-12951	81	9	commercial	commercial	ADJ
fbem-12951	81	10	banks	bank	NOUN
fbem-12951	81	11	lack	lack	VERB
fbem-12951	81	12	comprehensive	comprehensive	ADJ
fbem-12951	81	13	talents	talent	NOUN
fbem-12951	81	14	who	who	PRON
fbem-12951	81	15	have	have	VERB
fbem-12951	81	16	a	a	DET
fbem-12951	81	17	precise	precise	ADJ
fbem-12951	81	18	grasp	grasp	NOUN
fbem-12951	81	19	of	of	ADP
fbem-12951	81	20	the	the	DET
fbem-12951	81	21	operational	operational	ADJ
fbem-12951	81	22	concepts	concept	NOUN
fbem-12951	81	23	of	of	ADP
fbem-12951	81	24	customer	customer	NOUN
fbem-12951	81	25	relationship	relationship	NOUN
fbem-12951	81	26	management	management	NOUN
fbem-12951	81	27	,	,	PUNCT
fbem-12951	81	28	are	be	AUX
fbem-12951	81	29	familiar	familiar	ADJ
fbem-12951	81	30	with	with	ADP
fbem-12951	81	31	various	various	ADJ
fbem-12951	81	32	businesses	business	NOUN
fbem-12951	81	33	,	,	PUNCT
fbem-12951	81	34	and	and	CCONJ
fbem-12951	81	35	have	have	VERB
fbem-12951	81	36	an	an	DET
fbem-12951	81	37	it	it	PRON
fbem-12951	81	38	background	background	NOUN
fbem-12951	81	39	.	.	PUNCT
fbem-12951	82	1	3	3	X
fbem-12951	82	2	.	.	X
fbem-12951	82	3	empirical	empirical	ADJ
fbem-12951	82	4	analysis	analysis	NOUN
fbem-12951	82	5	3.1	3.1	NUM
fbem-12951	82	6	.	.	PUNCT
fbem-12951	83	1	the	the	DET
fbem-12951	83	2	role	role	NOUN
fbem-12951	83	3	of	of	ADP
fbem-12951	83	4	commercial	commercial	ADJ
fbem-12951	83	5	banks	bank	NOUN
fbem-12951	83	6	in	in	ADP
fbem-12951	83	7	implementing	implement	VERB
fbem-12951	83	8	customer	customer	NOUN
fbem-12951	83	9	relationship	relationship	NOUN
fbem-12951	83	10	management	management	NOUN
fbem-12951	83	11	.	.	PUNCT
fbem-12951	84	1	3.1.1	3.1.1	X
fbem-12951	84	2	.	.	PUNCT
fbem-12951	84	3	customer	customer	NOUN
fbem-12951	84	4	relationship	relationship	NOUN
fbem-12951	84	5	management	management	NOUN
fbem-12951	84	6	can	can	AUX
fbem-12951	84	7	increase	increase	VERB
fbem-12951	84	8	sales	sale	NOUN
fbem-12951	84	9	revenue	revenue	NOUN
fbem-12951	84	10	of	of	ADP
fbem-12951	84	11	commercial	commercial	ADJ
fbem-12951	84	12	banks	bank	NOUN
fbem-12951	84	13	.	.	PUNCT
fbem-12951	85	1	the	the	DET
fbem-12951	85	2	essence	essence	NOUN
fbem-12951	85	3	of	of	ADP
fbem-12951	85	4	customer	customer	NOUN
fbem-12951	85	5	relationship	relationship	NOUN
fbem-12951	85	6	management	management	NOUN
fbem-12951	85	7	in	in	ADP
fbem-12951	85	8	commercial	commercial	ADJ
fbem-12951	85	9	banks	bank	NOUN
fbem-12951	85	10	is	be	AUX
fbem-12951	85	11	differentiated	differentiate	VERB
fbem-12951	85	12	management	management	NOUN
fbem-12951	85	13	of	of	ADP
fbem-12951	85	14	customer	customer	NOUN
fbem-12951	85	15	value	value	NOUN
fbem-12951	85	16	and	and	CCONJ
fbem-12951	85	17	differentiated	differentiated	ADJ
fbem-12951	85	18	management	management	NOUN
fbem-12951	85	19	of	of	ADP
fbem-12951	85	20	response	response	NOUN
fbem-12951	85	21	methods	method	NOUN
fbem-12951	85	22	.	.	PUNCT
fbem-12951	86	1	customer	customer	NOUN
fbem-12951	86	2	relationship	relationship	NOUN
fbem-12951	86	3	management	management	NOUN
fbem-12951	86	4	can	can	AUX
fbem-12951	86	5	help	help	VERB
fbem-12951	86	6	banks	bank	NOUN
fbem-12951	86	7	identify	identify	VERB
fbem-12951	86	8	differences	difference	NOUN
fbem-12951	86	9	in	in	ADP
fbem-12951	86	10	customer	customer	NOUN
fbem-12951	86	11	value	value	NOUN
fbem-12951	86	12	and	and	CCONJ
fbem-12951	86	13	needs	need	NOUN
fbem-12951	86	14	,	,	PUNCT
fbem-12951	86	15	facilitate	facilitate	VERB
fbem-12951	86	16	banks	bank	NOUN
fbem-12951	86	17	to	to	PART
fbem-12951	86	18	clarify	clarify	VERB
fbem-12951	86	19	goals	goal	NOUN
fbem-12951	86	20	,	,	PUNCT
fbem-12951	86	21	use	use	VERB
fbem-12951	86	22	the	the	DET
fbem-12951	86	23	most	most	ADV
fbem-12951	86	24	appropriate	appropriate	ADJ
fbem-12951	86	25	methods	method	NOUN
fbem-12951	86	26	to	to	PART
fbem-12951	86	27	continuously	continuously	ADV
fbem-12951	86	28	generate	generate	VERB
fbem-12951	86	29	revenue	revenue	NOUN
fbem-12951	86	30	from	from	ADP
fbem-12951	86	31	the	the	DET
fbem-12951	86	32	most	most	ADV
fbem-12951	86	33	valuable	valuable	ADJ
fbem-12951	86	34	customers	customer	NOUN
fbem-12951	86	35	and	and	CCONJ
fbem-12951	86	36	customers	customer	NOUN
fbem-12951	86	37	with	with	ADP
fbem-12951	86	38	the	the	DET
fbem-12951	86	39	most	most	ADJ
fbem-12951	86	40	growth	growth	NOUN
fbem-12951	86	41	potential	potential	NOUN
fbem-12951	86	42	,	,	PUNCT
fbem-12951	86	43	and	and	CCONJ
fbem-12951	86	44	develop	develop	VERB
fbem-12951	86	45	general	general	ADJ
fbem-12951	86	46	customers	customer	NOUN
fbem-12951	86	47	and	and	CCONJ
fbem-12951	86	48	potential	potential	ADJ
fbem-12951	86	49	customers	customer	NOUN
fbem-12951	86	50	,	,	PUNCT
fbem-12951	86	51	find	find	VERB
fbem-12951	86	52	the	the	DET
fbem-12951	86	53	problems	problem	NOUN
fbem-12951	86	54	,	,	PUNCT
fbem-12951	86	55	and	and	CCONJ
fbem-12951	86	56	causes	cause	VERB
fbem-12951	86	57	for	for	ADP
fbem-12951	86	58	customers	customer	NOUN
fbem-12951	86	59	’	'	PUNCT
fbem-12951	86	60	below	below	ADP
fbem-12951	86	61	marginal	marginal	ADJ
fbem-12951	86	62	cost	cost	NOUN
fbem-12951	86	63	.	.	PUNCT
fbem-12951	87	1	3.1.2	3.1.2	X
fbem-12951	87	2	.	.	PUNCT
fbem-12951	87	3	customer	customer	NOUN
fbem-12951	87	4	relationship	relationship	NOUN
fbem-12951	87	5	management	management	NOUN
fbem-12951	87	6	can	can	AUX
fbem-12951	87	7	improve	improve	VERB
fbem-12951	87	8	banking	banking	NOUN
fbem-12951	87	9	services	service	NOUN
fbem-12951	87	10	.	.	PUNCT
fbem-12951	88	1	improve	improve	VERB
fbem-12951	88	2	customer	customer	NOUN
fbem-12951	88	3	satisfaction	satisfaction	NOUN
fbem-12951	88	4	.	.	PUNCT
fbem-12951	89	1	customer	customer	NOUN
fbem-12951	89	2	relationship	relationship	NOUN
fbem-12951	89	3	management	management	NOUN
fbem-12951	89	4	emphasizes	emphasize	VERB
fbem-12951	89	5	that	that	SCONJ
fbem-12951	89	6	services	service	NOUN
fbem-12951	89	7	are	be	AUX
fbem-12951	89	8	personalized	personalize	VERB
fbem-12951	89	9	and	and	CCONJ
fbem-12951	89	10	can	can	AUX
fbem-12951	89	11	improve	improve	VERB
fbem-12951	89	12	customer	customer	NOUN
fbem-12951	89	13	satisfaction	satisfaction	NOUN
fbem-12951	89	14	with	with	ADP
fbem-12951	89	15	the	the	DET
fbem-12951	89	16	bank	bank	NOUN
fbem-12951	89	17	.	.	PUNCT
fbem-12951	90	1	it	it	PRON
fbem-12951	90	2	is	be	AUX
fbem-12951	90	3	a	a	DET
fbem-12951	90	4	link	link	NOUN
fbem-12951	90	5	in	in	ADP
fbem-12951	90	6	the	the	DET
fbem-12951	90	7	bank	bank	NOUN
fbem-12951	90	8	's	's	PART
fbem-12951	90	9	overall	overall	ADJ
fbem-12951	90	10	marketing	marketing	NOUN
fbem-12951	90	11	.	.	PUNCT
fbem-12951	91	1	customers	customer	NOUN
fbem-12951	91	2	evaluate	evaluate	VERB
fbem-12951	91	3	the	the	DET
fbem-12951	91	4	quality	quality	NOUN
fbem-12951	91	5	of	of	ADP
fbem-12951	91	6	bank	bank	NOUN
fbem-12951	91	7	services	service	NOUN
fbem-12951	91	8	not	not	PART
fbem-12951	91	9	only	only	ADV
fbem-12951	91	10	by	by	ADP
fbem-12951	91	11	their	their	PRON
fbem-12951	91	12	technical	technical	ADJ
fbem-12951	91	13	quality	quality	NOUN
fbem-12951	91	14	,	,	PUNCT
fbem-12951	91	15	but	but	CCONJ
fbem-12951	91	16	also	also	ADV
fbem-12951	91	17	by	by	ADP
fbem-12951	91	18	their	their	PRON
fbem-12951	91	19	functional	functional	ADJ
fbem-12951	91	20	quality	quality	NOUN
fbem-12951	91	21	.	.	PUNCT
fbem-12951	92	1	3.1.3	3.1.3	X
fbem-12951	92	2	.	.	PUNCT
fbem-12951	92	3	provide	provide	VERB
fbem-12951	92	4	decision	decision	NOUN
fbem-12951	92	5	support	support	NOUN
fbem-12951	92	6	for	for	ADP
fbem-12951	92	7	bank	bank	NOUN
fbem-12951	92	8	product	product	NOUN
fbem-12951	92	9	positioning	positioning	NOUN
fbem-12951	92	10	and	and	CCONJ
fbem-12951	92	11	market	market	NOUN
fbem-12951	92	12	decisions	decision	NOUN
fbem-12951	92	13	.	.	PUNCT
fbem-12951	93	1	through	through	ADP
fbem-12951	93	2	customer	customer	NOUN
fbem-12951	93	3	relationship	relationship	NOUN
fbem-12951	93	4	management	management	NOUN
fbem-12951	93	5	,	,	PUNCT
fbem-12951	93	6	banks	bank	NOUN
fbem-12951	93	7	can	can	AUX
fbem-12951	93	8	quickly	quickly	ADV
fbem-12951	93	9	understand	understand	VERB
fbem-12951	93	10	changes	change	NOUN
fbem-12951	93	11	in	in	ADP
fbem-12951	93	12	customer	customer	NOUN
fbem-12951	93	13	needs	need	NOUN
fbem-12951	93	14	and	and	CCONJ
fbem-12951	93	15	predict	predict	VERB
fbem-12951	93	16	customer	customer	NOUN
fbem-12951	93	17	needs	need	VERB
fbem-12951	93	18	in	in	ADP
fbem-12951	93	19	a	a	DET
fbem-12951	93	20	certain	certain	ADJ
fbem-12951	93	21	period	period	NOUN
fbem-12951	93	22	in	in	ADP
fbem-12951	93	23	the	the	DET
fbem-12951	93	24	future	future	NOUN
fbem-12951	93	25	.	.	PUNCT
fbem-12951	94	1	this	this	PRON
fbem-12951	94	2	enables	enable	VERB
fbem-12951	94	3	banks	bank	NOUN
fbem-12951	94	4	to	to	PART
fbem-12951	94	5	adapt	adapt	VERB
fbem-12951	94	6	to	to	ADP
fbem-12951	94	7	changes	change	NOUN
fbem-12951	94	8	in	in	ADP
fbem-12951	94	9	demand	demand	NOUN
fbem-12951	94	10	in	in	ADP
fbem-12951	94	11	terms	term	NOUN
fbem-12951	94	12	of	of	ADP
fbem-12951	94	13	product	product	NOUN
fbem-12951	94	14	positioning	positioning	NOUN
fbem-12951	94	15	and	and	CCONJ
fbem-12951	94	16	market	market	NOUN
fbem-12951	94	17	decisions	decision	NOUN
fbem-12951	94	18	and	and	CCONJ
fbem-12951	94	19	enables	enable	VERB
fbem-12951	94	20	banks	bank	NOUN
fbem-12951	94	21	to	to	PART
fbem-12951	94	22	provide	provide	VERB
fbem-12951	94	23	the	the	DET
fbem-12951	94	24	businesses	business	NOUN
fbem-12951	94	25	and	and	CCONJ
fbem-12951	94	26	services	service	NOUN
fbem-12951	94	27	that	that	PRON
fbem-12951	94	28	customers	customer	NOUN
fbem-12951	94	29	need	need	VERB
fbem-12951	94	30	most	most	ADV
fbem-12951	94	31	,	,	PUNCT
fbem-12951	94	32	thereby	thereby	ADV
fbem-12951	94	33	achieving	achieve	VERB
fbem-12951	94	34	the	the	DET
fbem-12951	94	35	purpose	purpose	NOUN
fbem-12951	94	36	of	of	ADP
fbem-12951	94	37	guiding	guide	VERB
fbem-12951	94	38	customer	customer	NOUN
fbem-12951	94	39	consumption	consumption	NOUN
fbem-12951	94	40	and	and	CCONJ
fbem-12951	94	41	attracting	attract	VERB
fbem-12951	94	42	customers	customer	NOUN
fbem-12951	94	43	,	,	PUNCT
fbem-12951	94	44	and	and	CCONJ
fbem-12951	94	45	continuously	continuously	ADV
fbem-12951	94	46	consolidating	consolidate	VERB
fbem-12951	94	47	the	the	DET
fbem-12951	94	48	bank	bank	NOUN
fbem-12951	94	49	's	's	PART
fbem-12951	94	50	advantages	advantage	NOUN
fbem-12951	94	51	in	in	ADP
fbem-12951	94	52	market	market	NOUN
fbem-12951	94	53	competition	competition	NOUN
fbem-12951	94	54	.	.	PUNCT
fbem-12951	95	1	status	status	NOUN
fbem-12951	95	2	.	.	PUNCT
fbem-12951	96	1	the	the	DET
fbem-12951	96	2	competition	competition	NOUN
fbem-12951	96	3	and	and	CCONJ
fbem-12951	96	4	development	development	NOUN
fbem-12951	96	5	of	of	ADP
fbem-12951	96	6	the	the	DET
fbem-12951	96	7	modern	modern	ADJ
fbem-12951	96	8	financial	financial	ADJ
fbem-12951	96	9	industry	industry	NOUN
fbem-12951	96	10	have	have	AUX
fbem-12951	96	11	begun	begin	VERB
fbem-12951	96	12	to	to	PART
fbem-12951	96	13	break	break	VERB
fbem-12951	96	14	through	through	ADP
fbem-12951	96	15	the	the	DET
fbem-12951	96	16	traditional	traditional	ADJ
fbem-12951	96	17	business	business	NOUN
fbem-12951	96	18	framework	framework	NOUN
fbem-12951	96	19	and	and	CCONJ
fbem-12951	96	20	enter	enter	VERB
fbem-12951	96	21	a	a	DET
fbem-12951	96	22	"	"	PUNCT
fbem-12951	96	23	customer	customer	NOUN
fbem-12951	96	24	-	-	PUNCT
fbem-12951	96	25	centered	center	VERB
fbem-12951	96	26	"	"	PUNCT
fbem-12951	96	27	era	era	NOUN
fbem-12951	96	28	of	of	ADP
fbem-12951	96	29	change	change	NOUN
fbem-12951	96	30	,	,	PUNCT
fbem-12951	96	31	focusing	focus	VERB
fbem-12951	96	32	on	on	ADP
fbem-12951	96	33	collecting	collect	VERB
fbem-12951	96	34	customer	customer	NOUN
fbem-12951	96	35	information	information	NOUN
fbem-12951	96	36	,	,	PUNCT
fbem-12951	96	37	conducting	conduct	VERB
fbem-12951	96	38	sufficient	sufficient	ADJ
fbem-12951	96	39	data	datum	NOUN
fbem-12951	96	40	mining	mining	NOUN
fbem-12951	96	41	,	,	PUNCT
fbem-12951	96	42	analysis	analysis	NOUN
fbem-12951	96	43	,	,	PUNCT
fbem-12951	96	44	and	and	CCONJ
fbem-12951	96	45	innovative	innovative	ADJ
fbem-12951	96	46	services	service	NOUN
fbem-12951	96	47	,	,	PUNCT
fbem-12951	96	48	and	and	CCONJ
fbem-12951	96	49	designing	design	VERB
fbem-12951	96	50	high	high	ADJ
fbem-12951	96	51	value	value	NOUN
fbem-12951	96	52	-	-	PUNCT
fbem-12951	96	53	added	add	VERB
fbem-12951	96	54	,	,	PUNCT
fbem-12951	96	55	personalized	personalize	VERB
fbem-12951	96	56	financial	financial	ADJ
fbem-12951	96	57	products	product	NOUN
fbem-12951	96	58	and	and	CCONJ
fbem-12951	96	59	providing	provide	VERB
fbem-12951	96	60	customers	customer	NOUN
fbem-12951	96	61	with	with	ADP
fbem-12951	96	62	complete	complete	ADJ
fbem-12951	96	63	financial	financial	ADJ
fbem-12951	96	64	services	service	NOUN
fbem-12951	96	65	have	have	AUX
fbem-12951	96	66	become	become	VERB
fbem-12951	96	67	the	the	DET
fbem-12951	96	68	core	core	NOUN
fbem-12951	96	69	of	of	ADP
fbem-12951	96	70	modern	modern	ADJ
fbem-12951	96	71	commercial	commercial	ADJ
fbem-12951	96	72	bank	bank	NOUN
fbem-12951	96	73	operations	operation	NOUN
fbem-12951	96	74	.	.	PUNCT
fbem-12951	97	1	it	it	PRON
fbem-12951	97	2	can	can	AUX
fbem-12951	97	3	help	help	VERB
fbem-12951	97	4	banks	bank	NOUN
fbem-12951	97	5	make	make	VERB
fbem-12951	97	6	full	full	ADJ
fbem-12951	97	7	use	use	NOUN
fbem-12951	97	8	of	of	ADP
fbem-12951	97	9	their	their	PRON
fbem-12951	97	10	customer	customer	NOUN
fbem-12951	97	11	relationship	relationship	NOUN
fbem-12951	97	12	resources	resource	NOUN
fbem-12951	97	13	to	to	PART
fbem-12951	97	14	expand	expand	VERB
fbem-12951	97	15	new	new	ADJ
fbem-12951	97	16	markets	market	NOUN
fbem-12951	97	17	and	and	CCONJ
fbem-12951	97	18	business	business	NOUN
fbem-12951	97	19	channels	channel	NOUN
fbem-12951	97	20	,	,	PUNCT
fbem-12951	97	21	improve	improve	VERB
fbem-12951	97	22	customer	customer	NOUN
fbem-12951	97	23	satisfaction	satisfaction	NOUN
fbem-12951	97	24	and	and	CCONJ
fbem-12951	97	25	the	the	DET
fbem-12951	97	26	bank	bank	NOUN
fbem-12951	97	27	's	's	PART
fbem-12951	97	28	profitability	profitability	NOUN
fbem-12951	97	29	,	,	PUNCT
fbem-12951	97	30	and	and	CCONJ
fbem-12951	97	31	enable	enable	VERB
fbem-12951	97	32	banks	bank	NOUN
fbem-12951	97	33	to	to	PART
fbem-12951	97	34	gain	gain	VERB
fbem-12951	97	35	a	a	DET
fbem-12951	97	36	foothold	foothold	NOUN
fbem-12951	97	37	and	and	CCONJ
fbem-12951	97	38	develop	develop	VERB
fbem-12951	97	39	in	in	ADP
fbem-12951	97	40	fierce	fierce	ADJ
fbem-12951	97	41	competition	competition	NOUN
fbem-12951	97	42	.	.	PUNCT
fbem-12951	98	1	3.2	3.2	NUM
fbem-12951	98	2	.	.	PUNCT
fbem-12951	99	1	countermeasures	countermeasure	NOUN
fbem-12951	99	2	for	for	ADP
fbem-12951	99	3	customer	customer	NOUN
fbem-12951	99	4	relationship	relationship	NOUN
fbem-12951	99	5	management	management	NOUN
fbem-12951	99	6	issues	issue	NOUN
fbem-12951	99	7	in	in	ADP
fbem-12951	99	8	commercial	commercial	ADJ
fbem-12951	99	9	banks	bank	NOUN
fbem-12951	99	10	the	the	DET
fbem-12951	99	11	comprehensive	comprehensive	ADJ
fbem-12951	99	12	application	application	NOUN
fbem-12951	99	13	of	of	ADP
fbem-12951	99	14	data	datum	NOUN
fbem-12951	99	15	mining	mining	NOUN
fbem-12951	99	16	technology	technology	NOUN
fbem-12951	99	17	.	.	PUNCT
fbem-12951	100	1	data	datum	NOUN
fbem-12951	100	2	mining	mining	NOUN
fbem-12951	100	3	helps	help	VERB
fbem-12951	100	4	to	to	PART
fbem-12951	100	5	effectively	effectively	ADV
fbem-12951	100	6	synthesize	synthesize	VERB
fbem-12951	100	7	and	and	CCONJ
fbem-12951	100	8	classify	classify	VERB
fbem-12951	100	9	data	datum	NOUN
fbem-12951	100	10	,	,	PUNCT
fbem-12951	100	11	discover	discover	VERB
fbem-12951	100	12	some	some	DET
fbem-12951	100	13	potential	potential	ADJ
fbem-12951	100	14	relationships	relationship	NOUN
fbem-12951	100	15	,	,	PUNCT
fbem-12951	100	16	and	and	CCONJ
fbem-12951	100	17	make	make	VERB
fbem-12951	100	18	comprehensive	comprehensive	ADJ
fbem-12951	100	19	judgments	judgment	NOUN
fbem-12951	100	20	about	about	ADP
fbem-12951	100	21	possible	possible	ADJ
fbem-12951	100	22	future	future	ADJ
fbem-12951	100	23	behaviors	behavior	NOUN
fbem-12951	100	24	.	.	PUNCT
fbem-12951	101	1	customer	customer	NOUN
fbem-12951	101	2	relationship	relationship	NOUN
fbem-12951	101	3	management	management	NOUN
fbem-12951	101	4	is	be	AUX
fbem-12951	101	5	the	the	DET
fbem-12951	101	6	fundamental	fundamental	ADJ
fbem-12951	101	7	guarantee	guarantee	NOUN
fbem-12951	101	8	for	for	SCONJ
fbem-12951	101	9	commercial	commercial	ADJ
fbem-12951	101	10	banks	bank	NOUN
fbem-12951	101	11	to	to	PART
fbem-12951	101	12	obtain	obtain	VERB
fbem-12951	101	13	more	more	ADJ
fbem-12951	101	14	customers	customer	NOUN
fbem-12951	101	15	.	.	PUNCT
fbem-12951	102	1	effective	effective	ADJ
fbem-12951	102	2	use	use	NOUN
fbem-12951	102	3	of	of	ADP
fbem-12951	102	4	data	datum	NOUN
fbem-12951	102	5	mining	mining	NOUN
fbem-12951	102	6	technology	technology	NOUN
fbem-12951	102	7	in	in	ADP
fbem-12951	102	8	customer	customer	NOUN
fbem-12951	102	9	relationship	relationship	NOUN
fbem-12951	102	10	management	management	NOUN
fbem-12951	102	11	can	can	AUX
fbem-12951	102	12	provide	provide	VERB
fbem-12951	102	13	effective	effective	ADJ
fbem-12951	102	14	technical	technical	ADJ
fbem-12951	102	15	support	support	NOUN
fbem-12951	102	16	for	for	ADP
fbem-12951	102	17	the	the	DET
fbem-12951	102	18	crm	crm	NOUN
fbem-12951	102	19	process	process	NOUN
fbem-12951	102	20	.	.	PUNCT
fbem-12951	103	1	using	use	VERB
fbem-12951	103	2	traditional	traditional	ADJ
fbem-12951	103	3	statistical	statistical	ADJ
fbem-12951	103	4	analysis	analysis	NOUN
fbem-12951	103	5	methods	method	NOUN
fbem-12951	103	6	to	to	PART
fbem-12951	103	7	analyze	analyze	VERB
fbem-12951	103	8	commercial	commercial	ADJ
fbem-12951	103	9	bank	bank	NOUN
fbem-12951	103	10	data	datum	NOUN
fbem-12951	103	11	is	be	AUX
fbem-12951	103	12	a	a	DET
fbem-12951	103	13	long	long	ADJ
fbem-12951	103	14	process	process	NOUN
fbem-12951	103	15	,	,	PUNCT
fbem-12951	103	16	and	and	CCONJ
fbem-12951	103	17	it	it	PRON
fbem-12951	103	18	is	be	AUX
fbem-12951	103	19	easy	easy	ADJ
fbem-12951	103	20	to	to	PART
fbem-12951	103	21	miss	miss	VERB
fbem-12951	103	22	due	due	ADJ
fbem-12951	103	23	business	business	NOUN
fbem-12951	103	24	opportunities	opportunity	NOUN
fbem-12951	103	25	.	.	PUNCT
fbem-12951	104	1	using	use	VERB
fbem-12951	104	2	advanced	advanced	ADJ
fbem-12951	104	3	statistical	statistical	ADJ
fbem-12951	104	4	tools	tool	NOUN
fbem-12951	104	5	and	and	CCONJ
fbem-12951	104	6	artificial	artificial	ADJ
fbem-12951	104	7	intelligence	intelligence	NOUN
fbem-12951	104	8	technology	technology	NOUN
fbem-12951	104	9	in	in	ADP
fbem-12951	104	10	data	datum	NOUN
fbem-12951	104	11	mining	mining	NOUN
fbem-12951	104	12	,	,	PUNCT
fbem-12951	104	13	we	we	PRON
fbem-12951	104	14	can	can	AUX
fbem-12951	104	15	complete	complete	VERB
fbem-12951	104	16	the	the	DET
fbem-12951	104	17	mining	mining	NOUN
fbem-12951	104	18	of	of	ADP
fbem-12951	104	19	massive	massive	ADJ
fbem-12951	104	20	data	datum	NOUN
fbem-12951	104	21	from	from	ADP
fbem-12951	104	22	commercial	commercial	ADJ
fbem-12951	104	23	banks	bank	NOUN
fbem-12951	104	24	,	,	PUNCT
fbem-12951	104	25	allowing	allow	VERB
fbem-12951	104	26	companies	company	NOUN
fbem-12951	104	27	to	to	PART
fbem-12951	104	28	obtain	obtain	VERB
fbem-12951	104	29	information	information	NOUN
fbem-12951	104	30	in	in	ADP
fbem-12951	104	31	a	a	DET
fbem-12951	104	32	timely	timely	ADJ
fbem-12951	104	33	manner	manner	NOUN
fbem-12951	104	34	and	and	CCONJ
fbem-12951	104	35	act	act	NOUN
fbem-12951	104	36	.	.	PUNCT
fbem-12951	105	1	after	after	ADP
fbem-12951	105	2	effectively	effectively	ADV
fbem-12951	105	3	using	use	VERB
fbem-12951	105	4	data	datum	NOUN
fbem-12951	105	5	mining	mining	NOUN
fbem-12951	105	6	technology	technology	NOUN
fbem-12951	105	7	,	,	PUNCT
fbem-12951	105	8	commercial	commercial	ADJ
fbem-12951	105	9	banks	bank	NOUN
fbem-12951	105	10	have	have	AUX
fbem-12951	105	11	achieved	achieve	VERB
fbem-12951	105	12	the	the	DET
fbem-12951	105	13	goal	goal	NOUN
fbem-12951	105	14	of	of	ADP
fbem-12951	105	15	better	well	ADJ
fbem-12951	105	16	understanding	understand	VERB
fbem-12951	105	17	their	their	PRON
fbem-12951	105	18	customers	customer	NOUN
fbem-12951	105	19	to	to	PART
fbem-12951	105	20	facilitate	facilitate	VERB
fbem-12951	105	21	effective	effective	ADJ
fbem-12951	105	22	marketing	marketing	NOUN
fbem-12951	105	23	and	and	CCONJ
fbem-12951	105	24	further	far	ADV
fbem-12951	105	25	expand	expand	VERB
fbem-12951	105	26	business	business	NOUN
fbem-12951	105	27	opportunities	opportunity	NOUN
fbem-12951	105	28	.	.	PUNCT
fbem-12951	106	1	3.3	3.3	NUM
fbem-12951	106	2	.	.	PUNCT
fbem-12951	107	1	key	key	ADJ
fbem-12951	107	2	strategic	strategic	ADJ
fbem-12951	107	3	points	point	NOUN
fbem-12951	107	4	for	for	ADP
fbem-12951	107	5	the	the	DET
fbem-12951	107	6	successful	successful	ADJ
fbem-12951	107	7	implementation	implementation	NOUN
fbem-12951	107	8	of	of	ADP
fbem-12951	107	9	commercial	commercial	ADJ
fbem-12951	107	10	bank	bank	NOUN
fbem-12951	107	11	customer	customer	NOUN
fbem-12951	107	12	relationship	relationship	NOUN
fbem-12951	107	13	management	management	NOUN
fbem-12951	107	14	3.3.1	3.3.1	NUM
fbem-12951	107	15	.	.	PUNCT
fbem-12951	107	16	establish	establish	VERB
fbem-12951	107	17	customer	customer	NOUN
fbem-12951	107	18	-	-	PUNCT
fbem-12951	107	19	centered	center	VERB
fbem-12951	107	20	business	business	NOUN
fbem-12951	107	21	flow	flow	NOUN
fbem-12951	107	22	processes	process	NOUN
fbem-12951	107	23	.	.	PUNCT
fbem-12951	108	1	as	as	ADP
fbem-12951	108	2	the	the	DET
fbem-12951	108	3	financial	financial	ADJ
fbem-12951	108	4	market	market	NOUN
fbem-12951	108	5	shifts	shift	NOUN
fbem-12951	108	6	from	from	ADP
fbem-12951	108	7	a	a	DET
fbem-12951	108	8	seller	seller	NOUN
fbem-12951	108	9	's	's	PART
fbem-12951	108	10	market	market	NOUN
fbem-12951	108	11	to	to	ADP
fbem-12951	108	12	a	a	DET
fbem-12951	108	13	buyer	buyer	NOUN
fbem-12951	108	14	's	's	PART
fbem-12951	108	15	market	market	NOUN
fbem-12951	108	16	,	,	PUNCT
fbem-12951	108	17	bank	bank	NOUN
fbem-12951	108	18	customer	customer	NOUN
fbem-12951	108	19	relationships	relationship	NOUN
fbem-12951	108	20	shift	shift	VERB
fbem-12951	108	21	from	from	ADP
fbem-12951	108	22	bankled	bankle	VERB
fbem-12951	108	23	to	to	ADP
fbem-12951	108	24	customer	customer	NOUN
fbem-12951	108	25	-	-	PUNCT
fbem-12951	108	26	led	lead	VERB
fbem-12951	108	27	.	.	PUNCT
fbem-12951	109	1	if	if	SCONJ
fbem-12951	109	2	commercial	commercial	ADJ
fbem-12951	109	3	banks	bank	NOUN
fbem-12951	109	4	want	want	VERB
fbem-12951	109	5	to	to	PART
fbem-12951	109	6	win	win	VERB
fbem-12951	109	7	in	in	ADP
fbem-12951	109	8	the	the	DET
fbem-12951	109	9	competition	competition	NOUN
fbem-12951	109	10	,	,	PUNCT
fbem-12951	109	11	they	they	PRON
fbem-12951	109	12	must	must	AUX
fbem-12951	109	13	adapt	adapt	VERB
fbem-12951	109	14	to	to	ADP
fbem-12951	109	15	the	the	DET
fbem-12951	109	16	new	new	ADJ
fbem-12951	109	17	situation	situation	NOUN
fbem-12951	109	18	and	and	CCONJ
fbem-12951	109	19	establish	establish	VERB
fbem-12951	109	20	a	a	DET
fbem-12951	109	21	modern	modern	ADJ
fbem-12951	109	22	commercial	commercial	ADJ
fbem-12951	109	23	bank	bank	NOUN
fbem-12951	109	24	business	business	NOUN
fbem-12951	109	25	strategy	strategy	NOUN
fbem-12951	109	26	that	that	PRON
fbem-12951	109	27	is	be	AUX
fbem-12951	109	28	customer	customer	NOUN
fbem-12951	109	29	-	-	PUNCT
fbem-12951	109	30	centered	center	VERB
fbem-12951	109	31	and	and	CCONJ
fbem-12951	109	32	based	base	VERB
fbem-12951	109	33	on	on	ADP
fbem-12951	109	34	customer	customer	NOUN
fbem-12951	109	35	needs	need	NOUN
fbem-12951	109	36	and	and	CCONJ
fbem-12951	109	37	interests	interest	NOUN
fbem-12951	109	38	.	.	PUNCT
fbem-12951	110	1	taking	take	VERB
fbem-12951	110	2	bank	bank	NOUN
fbem-12951	110	3	of	of	ADP
fbem-12951	110	4	ningbo	ningbo	PROPN
fbem-12951	110	5	's	's	PART
fbem-12951	110	6	hangzhou	hangzhou	PROPN
fbem-12951	110	7	jiubao	jiubao	PROPN
fbem-12951	110	8	branch	branch	PROPN
fbem-12951	110	9	as	as	ADP
fbem-12951	110	10	an	an	DET
fbem-12951	110	11	example	example	NOUN
fbem-12951	110	12	,	,	PUNCT
fbem-12951	110	13	it	it	PRON
fbem-12951	110	14	urgently	urgently	ADV
fbem-12951	110	15	needs	need	VERB
fbem-12951	110	16	to	to	PART
fbem-12951	110	17	establish	establish	VERB
fbem-12951	110	18	a	a	DET
fbem-12951	110	19	"	"	PUNCT
fbem-12951	110	20	center	center	NOUN
fbem-12951	110	21	-	-	PUNCT
fbem-12951	110	22	and	and	CCONJ
fbem-12951	110	23	-	-	PUNCT
fbem-12951	110	24	spoke	speak	VERB
fbem-12951	110	25	"	"	PUNCT
fbem-12951	110	26	organizational	organizational	ADJ
fbem-12951	110	27	structure	structure	NOUN
fbem-12951	110	28	,	,	PUNCT
fbem-12951	110	29	compress	compress	VERB
fbem-12951	110	30	management	management	NOUN
fbem-12951	110	31	links	link	NOUN
fbem-12951	110	32	,	,	PUNCT
fbem-12951	110	33	shorten	shorten	VERB
fbem-12951	110	34	the	the	DET
fbem-12951	110	35	management	management	NOUN
fbem-12951	110	36	radius	radius	NOUN
fbem-12951	110	37	,	,	PUNCT
fbem-12951	110	38	and	and	CCONJ
fbem-12951	110	39	restructure	restructure	VERB
fbem-12951	110	40	internal	internal	ADJ
fbem-12951	110	41	structures	structure	NOUN
fbem-12951	110	42	to	to	PART
fbem-12951	110	43	reduce	reduce	VERB
fbem-12951	110	44	distortion	distortion	NOUN
fbem-12951	110	45	in	in	ADP
fbem-12951	110	46	information	information	NOUN
fbem-12951	110	47	transmission	transmission	NOUN
fbem-12951	110	48	.	.	PUNCT
fbem-12951	111	1	3.3.2	3.3.2	X
fbem-12951	111	2	.	.	X
fbem-12951	112	1	implement	implement	VERB
fbem-12951	112	2	differentiated	differentiated	ADJ
fbem-12951	112	3	service	service	NOUN
fbem-12951	112	4	strategies	strategy	NOUN
fbem-12951	112	5	,	,	PUNCT
fbem-12951	112	6	establish	establish	VERB
fbem-12951	112	7	,	,	PUNCT
fbem-12951	112	8	and	and	CCONJ
fbem-12951	112	9	stabilize	stabilize	VERB
fbem-12951	112	10	high	high	ADJ
fbem-12951	112	11	-	-	PUNCT
fbem-12951	112	12	quality	quality	NOUN
fbem-12951	112	13	customer	customer	NOUN
fbem-12951	112	14	groups	group	NOUN
fbem-12951	112	15	,	,	PUNCT
fbem-12951	112	16	and	and	CCONJ
fbem-12951	112	17	implement	implement	VERB
fbem-12951	112	18	customer	customer	NOUN
fbem-12951	112	19	relationship	relationship	NOUN
fbem-12951	112	20	management	management	NOUN
fbem-12951	112	21	.	.	PUNCT
fbem-12951	113	1	in	in	ADP
fbem-12951	113	2	2000	2000	NUM
fbem-12951	113	3	,	,	PUNCT
fbem-12951	113	4	abn	abn	NOUN
fbem-12951	113	5	amro	amro	NOUN
fbem-12951	113	6	divided	divide	VERB
fbem-12951	113	7	its	its	PRON
fbem-12951	113	8	customers	customer	NOUN
fbem-12951	113	9	into	into	ADP
fbem-12951	113	10	four	four	NUM
fbem-12951	113	11	categories	category	NOUN
fbem-12951	113	12	:	:	PUNCT
fbem-12951	113	13	top	top	ADJ
fbem-12951	113	14	,	,	PUNCT
fbem-12951	113	15	important	important	ADJ
fbem-12951	113	16	,	,	PUNCT
fbem-12951	113	17	core	core	NOUN
fbem-12951	113	18	and	and	CCONJ
fbem-12951	113	19	mass	mass	ADJ
fbem-12951	113	20	customer	customer	NOUN
fbem-12951	113	21	groups	group	NOUN
fbem-12951	113	22	,	,	PUNCT
fbem-12951	113	23	providing	provide	VERB
fbem-12951	113	24	targeted	target	VERB
fbem-12951	113	25	differentiated	differentiated	ADJ
fbem-12951	113	26	services	service	NOUN
fbem-12951	113	27	,	,	PUNCT
fbem-12951	113	28	and	and	CCONJ
fbem-12951	113	29	its	its	PRON
fbem-12951	113	30	operating	operate	VERB
fbem-12951	113	31	income	income	NOUN
fbem-12951	113	32	more	more	ADV
fbem-12951	113	33	than	than	ADP
fbem-12951	113	34	doubled	double	VERB
fbem-12951	113	35	.	.	PUNCT
fbem-12951	114	1	analysis	analysis	NOUN
fbem-12951	114	2	also	also	ADV
fbem-12951	114	3	shows	show	VERB
fbem-12951	114	4	that	that	SCONJ
fbem-12951	114	5	40	40	NUM
fbem-12951	114	6	%	%	NOUN
fbem-12951	114	7	of	of	ADP
fbem-12951	114	8	its	its	PRON
fbem-12951	114	9	revenue	revenue	NOUN
fbem-12951	114	10	comes	come	VERB
fbem-12951	114	11	from	from	ADP
fbem-12951	114	12	top	top	ADJ
fbem-12951	114	13	customers	customer	NOUN
fbem-12951	114	14	.	.	PUNCT
fbem-12951	115	1	to	to	PART
fbem-12951	115	2	provide	provide	VERB
fbem-12951	115	3	personalized	personalized	ADJ
fbem-12951	115	4	services	service	NOUN
fbem-12951	115	5	to	to	ADP
fbem-12951	115	6	key	key	ADJ
fbem-12951	115	7	customers	customer	NOUN
fbem-12951	115	8	,	,	PUNCT
fbem-12951	115	9	it	it	PRON
fbem-12951	115	10	is	be	AUX
fbem-12951	115	11	necessary	necessary	ADJ
fbem-12951	115	12	to	to	PART
fbem-12951	115	13	establish	establish	VERB
fbem-12951	115	14	a	a	DET
fbem-12951	115	15	supporting	support	VERB
fbem-12951	115	16	service	service	NOUN
fbem-12951	115	17	system	system	NOUN
fbem-12951	115	18	,	,	PUNCT
fbem-12951	115	19	design	design	NOUN
fbem-12951	115	20	unique	unique	ADJ
fbem-12951	115	21	service	service	NOUN
fbem-12951	115	22	processes	process	NOUN
fbem-12951	115	23	,	,	PUNCT
fbem-12951	115	24	and	and	CCONJ
fbem-12951	115	25	provide	provide	VERB
fbem-12951	115	26	specialized	specialized	ADJ
fbem-12951	115	27	financial	financial	ADJ
fbem-12951	115	28	products	product	NOUN
fbem-12951	115	29	.	.	PUNCT
fbem-12951	116	1	3.3.3	3.3.3	X
fbem-12951	116	2	.	.	PUNCT
fbem-12951	116	3	establish	establish	VERB
fbem-12951	116	4	a	a	DET
fbem-12951	116	5	corporate	corporate	ADJ
fbem-12951	116	6	culture	culture	NOUN
fbem-12951	116	7	suitable	suitable	ADJ
fbem-12951	116	8	for	for	ADP
fbem-12951	116	9	the	the	DET
fbem-12951	116	10	implementation	implementation	NOUN
fbem-12951	116	11	of	of	ADP
fbem-12951	116	12	customer	customer	NOUN
fbem-12951	116	13	relationship	relationship	NOUN
fbem-12951	116	14	management	management	NOUN
fbem-12951	116	15	.	.	PUNCT
fbem-12951	117	1	let	let	VERB
fbem-12951	117	2	everyone	everyone	PRON
fbem-12951	117	3	in	in	ADP
fbem-12951	117	4	the	the	DET
fbem-12951	117	5	enterprise	enterprise	NOUN
fbem-12951	117	6	truly	truly	ADV
fbem-12951	117	7	focus	focus	VERB
fbem-12951	117	8	on	on	ADP
fbem-12951	117	9	customers	customer	NOUN
fbem-12951	117	10	in	in	ADP
fbem-12951	117	11	terms	term	NOUN
fbem-12951	117	12	of	of	ADP
fbem-12951	117	13	thinking	thinking	NOUN
fbem-12951	117	14	and	and	CCONJ
fbem-12951	117	15	behavioral	behavioral	ADJ
fbem-12951	117	16	habits	habit	NOUN
fbem-12951	117	17	.	.	PUNCT
fbem-12951	118	1	individual	individual	ADJ
fbem-12951	118	2	departments	department	NOUN
fbem-12951	118	3	are	be	AUX
fbem-12951	118	4	responsible	responsible	ADJ
fbem-12951	118	5	for	for	ADP
fbem-12951	118	6	specific	specific	ADJ
fbem-12951	118	7	work	work	NOUN
fbem-12951	118	8	with	with	ADP
fbem-12951	118	9	customers	customer	NOUN
fbem-12951	118	10	,	,	PUNCT
fbem-12951	118	11	but	but	CCONJ
fbem-12951	118	12	it	it	PRON
fbem-12951	118	13	is	be	AUX
fbem-12951	118	14	the	the	DET
fbem-12951	118	15	bank	bank	NOUN
fbem-12951	118	16	that	that	PRON
fbem-12951	118	17	is	be	AUX
fbem-12951	118	18	accountable	accountable	ADJ
fbem-12951	118	19	to	to	ADP
fbem-12951	118	20	the	the	DET
fbem-12951	118	21	customer	customer	NOUN
fbem-12951	118	22	.	.	PUNCT
fbem-12951	119	1	facing	face	VERB
fbem-12951	119	2	customers	customer	NOUN
fbem-12951	119	3	with	with	ADP
fbem-12951	119	4	one	one	NUM
fbem-12951	119	5	face	face	NOUN
fbem-12951	119	6	is	be	AUX
fbem-12951	119	7	the	the	DET
fbem-12951	119	8	fundamental	fundamental	ADJ
fbem-12951	119	9	guiding	guide	VERB
fbem-12951	119	10	ideology	ideology	NOUN
fbem-12951	119	11	for	for	ADP
fbem-12951	119	12	the	the	DET
fbem-12951	119	13	successful	successful	ADJ
fbem-12951	119	14	implementation	implementation	NOUN
fbem-12951	119	15	of	of	ADP
fbem-12951	119	16	customer	customer	NOUN
fbem-12951	119	17	relationship	relationship	NOUN
fbem-12951	119	18	management	management	NOUN
fbem-12951	119	19	.	.	PUNCT
fbem-12951	120	1	3.3.4	3.3.4	X
fbem-12951	120	2	.	.	PUNCT
fbem-12951	121	1	make	make	VERB
fbem-12951	121	2	full	full	ADJ
fbem-12951	121	3	use	use	NOUN
fbem-12951	121	4	of	of	ADP
fbem-12951	121	5	information	information	NOUN
fbem-12951	121	6	technology	technology	NOUN
fbem-12951	121	7	to	to	PART
fbem-12951	121	8	support	support	VERB
fbem-12951	121	9	customer	customer	NOUN
fbem-12951	121	10	relationship	relationship	NOUN
fbem-12951	121	11	management	management	NOUN
fbem-12951	121	12	.	.	PUNCT
fbem-12951	122	1	modern	modern	ADJ
fbem-12951	122	2	commercial	commercial	ADJ
fbem-12951	122	3	bank	bank	NOUN
fbem-12951	122	4	customer	customer	NOUN
fbem-12951	122	5	management	management	NOUN
fbem-12951	122	6	integrates	integrate	VERB
fbem-12951	122	7	the	the	DET
fbem-12951	122	8	latest	late	ADJ
fbem-12951	122	9	information	information	NOUN
fbem-12951	122	10	technologies	technology	NOUN
fbem-12951	122	11	,	,	PUNCT
fbem-12951	122	12	including	include	VERB
fbem-12951	122	13	internet	internet	NOUN
fbem-12951	122	14	and	and	CCONJ
fbem-12951	122	15	ecommerce	ecommerce	NOUN
fbem-12951	122	16	,	,	PUNCT
fbem-12951	122	17	multimedia	multimedia	NOUN
fbem-12951	122	18	technology	technology	NOUN
fbem-12951	122	19	,	,	PUNCT
fbem-12951	122	20	data	data	NOUN
fbem-12951	122	21	warehouse	warehouse	NOUN
fbem-12951	122	22	and	and	CCONJ
fbem-12951	122	23	data	datum	NOUN
fbem-12951	122	24	mining	mining	NOUN
fbem-12951	122	25	,	,	PUNCT
fbem-12951	122	26	expert	expert	NOUN
fbem-12951	122	27	systems	system	NOUN
fbem-12951	122	28	,	,	PUNCT
fbem-12951	122	29	and	and	CCONJ
fbem-12951	122	30	artificial	artificial	ADJ
fbem-12951	122	31	intelligence	intelligence	NOUN
fbem-12951	122	32	,	,	PUNCT
fbem-12951	122	33	etc	etc	X
fbem-12951	122	34	.	.	X
fbem-12951	123	1	its	its	PRON
fbem-12951	123	2	software	software	NOUN
fbem-12951	123	3	should	should	AUX
fbem-12951	123	4	reflect	reflect	VERB
fbem-12951	123	5	financial	financial	ADJ
fbem-12951	123	6	marketing	marketing	NOUN
fbem-12951	123	7	management	management	NOUN
fbem-12951	123	8	ideas	idea	NOUN
fbem-12951	123	9	that	that	PRON
fbem-12951	123	10	include	include	VERB
fbem-12951	123	11	customer	customer	NOUN
fbem-12951	123	12	care	care	NOUN
fbem-12951	123	13	and	and	CCONJ
fbem-12951	123	14	customer	customer	NOUN
fbem-12951	123	15	satisfaction	satisfaction	NOUN
fbem-12951	123	16	.	.	PUNCT
fbem-12951	124	1	with	with	ADP
fbem-12951	124	2	the	the	DET
fbem-12951	124	3	development	development	NOUN
fbem-12951	124	4	of	of	ADP
fbem-12951	124	5	science	science	NOUN
fbem-12951	124	6	and	and	CCONJ
fbem-12951	124	7	technology	technology	NOUN
fbem-12951	124	8	,	,	PUNCT
fbem-12951	124	9	information	information	NOUN
fbem-12951	124	10	technology	technology	NOUN
fbem-12951	124	11	is	be	AUX
fbem-12951	124	12	now	now	ADV
fbem-12951	124	13	widely	widely	ADV
fbem-12951	124	14	used	use	VERB
fbem-12951	124	15	in	in	ADP
fbem-12951	124	16	customer	customer	NOUN
fbem-12951	124	17	relationship	relationship	NOUN
fbem-12951	124	18	management	management	NOUN
fbem-12951	124	19	in	in	ADP
fbem-12951	124	20	china	china	PROPN
fbem-12951	124	21	's	's	PART
fbem-12951	124	22	commercial	commercial	ADJ
fbem-12951	124	23	banking	banking	NOUN
fbem-12951	124	24	industry	industry	NOUN
fbem-12951	124	25	.	.	PUNCT
fbem-12951	125	1	58	58	NUM
fbem-12951	125	2	4	4	NUM
fbem-12951	125	3	.	.	PUNCT
fbem-12951	125	4	summary	summary	VERB
fbem-12951	125	5	this	this	DET
fbem-12951	125	6	paper	paper	NOUN
fbem-12951	125	7	studies	study	NOUN
fbem-12951	125	8	this	this	DET
fbem-12951	125	9	article	article	NOUN
fbem-12951	125	10	in	in	ADP
fbem-12951	125	11	this	this	DET
fbem-12951	125	12	general	general	ADJ
fbem-12951	125	13	environment	environment	NOUN
fbem-12951	125	14	by	by	ADP
fbem-12951	125	15	focusing	focus	VERB
fbem-12951	125	16	on	on	ADP
fbem-12951	125	17	the	the	DET
fbem-12951	125	18	relationship	relationship	NOUN
fbem-12951	125	19	between	between	ADP
fbem-12951	125	20	account	account	NOUN
fbem-12951	125	21	managers	manager	NOUN
fbem-12951	125	22	and	and	CCONJ
fbem-12951	125	23	customers	customer	NOUN
fbem-12951	125	24	.	.	PUNCT
fbem-12951	126	1	in	in	ADP
fbem-12951	126	2	short	short	ADJ
fbem-12951	126	3	,	,	PUNCT
fbem-12951	126	4	it	it	PRON
fbem-12951	126	5	is	be	AUX
fbem-12951	126	6	proposed	propose	VERB
fbem-12951	126	7	in	in	ADP
fbem-12951	126	8	this	this	DET
fbem-12951	126	9	paper	paper	NOUN
fbem-12951	126	10	that	that	SCONJ
fbem-12951	126	11	it	it	PRON
fbem-12951	126	12	is	be	AUX
fbem-12951	126	13	inevitable	inevitable	ADJ
fbem-12951	126	14	to	to	PART
fbem-12951	126	15	sort	sort	VERB
fbem-12951	126	16	out	out	ADP
fbem-12951	126	17	customer	customer	NOUN
fbem-12951	126	18	relationships	relationship	NOUN
fbem-12951	126	19	,	,	PUNCT
fbem-12951	126	20	which	which	PRON
fbem-12951	126	21	can	can	AUX
fbem-12951	126	22	improve	improve	VERB
fbem-12951	126	23	the	the	DET
fbem-12951	126	24	competitiveness	competitiveness	NOUN
fbem-12951	126	25	of	of	ADP
fbem-12951	126	26	commercial	commercial	ADJ
fbem-12951	126	27	banks	bank	NOUN
fbem-12951	126	28	,	,	PUNCT
fbem-12951	126	29	promote	promote	VERB
fbem-12951	126	30	marketing	marketing	NOUN
fbem-12951	126	31	,	,	PUNCT
fbem-12951	126	32	and	and	CCONJ
fbem-12951	126	33	meet	meet	VERB
fbem-12951	126	34	the	the	DET
fbem-12951	126	35	diverse	diverse	ADJ
fbem-12951	126	36	needs	need	NOUN
fbem-12951	126	37	of	of	ADP
fbem-12951	126	38	customers	customer	NOUN
fbem-12951	126	39	.	.	PUNCT
fbem-12951	127	1	an	an	DET
fbem-12951	127	2	analysis	analysis	NOUN
fbem-12951	127	3	of	of	ADP
fbem-12951	127	4	customers	customer	NOUN
fbem-12951	127	5	has	have	AUX
fbem-12951	127	6	been	be	AUX
fbem-12951	127	7	proposed	propose	VERB
fbem-12951	127	8	above	above	ADV
fbem-12951	127	9	,	,	PUNCT
fbem-12951	127	10	find	find	VERB
fbem-12951	127	11	out	out	ADP
fbem-12951	127	12	how	how	SCONJ
fbem-12951	127	13	“	"	PUNCT
fbem-12951	127	14	gold	gold	NOUN
fbem-12951	127	15	”	"	PUNCT
fbem-12951	127	16	customers	customer	NOUN
fbem-12951	127	17	are	be	AUX
fbem-12951	127	18	providing	provide	VERB
fbem-12951	127	19	them	they	PRON
fbem-12951	127	20	with	with	ADP
fbem-12951	127	21	the	the	DET
fbem-12951	127	22	services	service	NOUN
fbem-12951	127	23	they	they	PRON
fbem-12951	127	24	need	need	VERB
fbem-12951	127	25	based	base	VERB
fbem-12951	127	26	on	on	ADP
fbem-12951	127	27	their	their	PRON
fbem-12951	127	28	individual	individual	ADJ
fbem-12951	127	29	needs	need	NOUN
fbem-12951	127	30	.	.	PUNCT
fbem-12951	128	1	in	in	ADP
fbem-12951	128	2	this	this	DET
fbem-12951	128	3	process	process	NOUN
fbem-12951	128	4	,	,	PUNCT
fbem-12951	128	5	you	you	PRON
fbem-12951	128	6	need	need	VERB
fbem-12951	128	7	to	to	PART
fbem-12951	128	8	cultivate	cultivate	VERB
fbem-12951	128	9	customer	customer	NOUN
fbem-12951	128	10	loyalty	loyalty	NOUN
fbem-12951	128	11	to	to	PART
fbem-12951	128	12	increase	increase	VERB
fbem-12951	128	13	their	their	PRON
fbem-12951	128	14	lifetime	lifetime	NOUN
fbem-12951	128	15	value	value	NOUN
fbem-12951	128	16	.	.	PUNCT
fbem-12951	129	1	non-"gold	non-"gold	PRON
fbem-12951	129	2	"	"	PUNCT
fbem-12951	129	3	customers	customer	NOUN
fbem-12951	129	4	need	need	VERB
fbem-12951	129	5	to	to	PART
fbem-12951	129	6	be	be	AUX
fbem-12951	129	7	differentiated	differentiate	VERB
fbem-12951	129	8	and	and	CCONJ
fbem-12951	129	9	transformed	transform	VERB
fbem-12951	129	10	based	base	VERB
fbem-12951	129	11	on	on	ADP
fbem-12951	129	12	their	their	PRON
fbem-12951	129	13	analysis	analysis	NOUN
fbem-12951	129	14	.	.	PUNCT
fbem-12951	130	1	banks	bank	NOUN
fbem-12951	130	2	can	can	AUX
fbem-12951	130	3	also	also	ADV
fbem-12951	130	4	provide	provide	VERB
fbem-12951	130	5	them	they	PRON
fbem-12951	130	6	with	with	ADP
fbem-12951	130	7	long	long	ADJ
fbem-12951	130	8	-	-	PUNCT
fbem-12951	130	9	term	term	NOUN
fbem-12951	130	10	investment	investment	NOUN
fbem-12951	130	11	and	and	CCONJ
fbem-12951	130	12	financial	financial	ADJ
fbem-12951	130	13	management	management	NOUN
fbem-12951	130	14	services	service	NOUN
fbem-12951	130	15	,	,	PUNCT
fbem-12951	130	16	help	help	VERB
fbem-12951	130	17	them	they	PRON
fbem-12951	130	18	grow	grow	VERB
fbem-12951	130	19	and	and	CCONJ
fbem-12951	130	20	provide	provide	VERB
fbem-12951	130	21	them	they	PRON
fbem-12951	130	22	with	with	ADP
fbem-12951	130	23	cooperative	cooperative	ADJ
fbem-12951	130	24	relationships	relationship	NOUN
fbem-12951	130	25	.	.	PUNCT
fbem-12951	131	1	however	however	ADV
fbem-12951	131	2	,	,	PUNCT
fbem-12951	131	3	research	research	NOUN
fbem-12951	131	4	shows	show	VERB
fbem-12951	131	5	that	that	SCONJ
fbem-12951	131	6	commercial	commercial	ADJ
fbem-12951	131	7	banks	bank	NOUN
fbem-12951	131	8	have	have	VERB
fbem-12951	131	9	many	many	ADJ
fbem-12951	131	10	levels	level	NOUN
fbem-12951	131	11	of	of	ADP
fbem-12951	131	12	management	management	NOUN
fbem-12951	131	13	,	,	PUNCT
fbem-12951	131	14	duplicate	duplicate	ADJ
fbem-12951	131	15	institutions	institution	NOUN
fbem-12951	131	16	,	,	PUNCT
fbem-12951	131	17	and	and	CCONJ
fbem-12951	131	18	low	low	ADJ
fbem-12951	131	19	business	business	NOUN
fbem-12951	131	20	efficiency	efficiency	NOUN
fbem-12951	131	21	.	.	PUNCT
fbem-12951	132	1	therefore	therefore	ADV
fbem-12951	132	2	,	,	PUNCT
fbem-12951	132	3	each	each	DET
fbem-12951	132	4	management	management	NOUN
fbem-12951	132	5	department	department	NOUN
fbem-12951	132	6	is	be	AUX
fbem-12951	132	7	only	only	ADV
fbem-12951	132	8	responsible	responsible	ADJ
fbem-12951	132	9	to	to	ADP
fbem-12951	132	10	the	the	DET
fbem-12951	132	11	president	president	NOUN
fbem-12951	132	12	,	,	PUNCT
fbem-12951	132	13	so	so	CCONJ
fbem-12951	132	14	there	there	PRON
fbem-12951	132	15	is	be	VERB
fbem-12951	132	16	a	a	DET
fbem-12951	132	17	problem	problem	NOUN
fbem-12951	132	18	of	of	ADP
fbem-12951	132	19	decentralized	decentralized	ADJ
fbem-12951	132	20	management	management	NOUN
fbem-12951	132	21	.	.	PUNCT
fbem-12951	133	1	through	through	ADP
fbem-12951	133	2	customer	customer	NOUN
fbem-12951	133	3	relationship	relationship	NOUN
fbem-12951	133	4	management	management	NOUN
fbem-12951	133	5	,	,	PUNCT
fbem-12951	133	6	banks	bank	NOUN
fbem-12951	133	7	can	can	AUX
fbem-12951	133	8	quickly	quickly	ADV
fbem-12951	133	9	understand	understand	VERB
fbem-12951	133	10	changes	change	NOUN
fbem-12951	133	11	in	in	ADP
fbem-12951	133	12	customer	customer	NOUN
fbem-12951	133	13	needs	need	NOUN
fbem-12951	133	14	and	and	CCONJ
fbem-12951	133	15	predict	predict	VERB
fbem-12951	133	16	customer	customer	NOUN
fbem-12951	133	17	needs	need	VERB
fbem-12951	133	18	in	in	ADP
fbem-12951	133	19	a	a	DET
fbem-12951	133	20	certain	certain	ADJ
fbem-12951	133	21	period	period	NOUN
fbem-12951	133	22	in	in	ADP
fbem-12951	133	23	the	the	DET
fbem-12951	133	24	future	future	NOUN
fbem-12951	133	25	,	,	PUNCT
fbem-12951	133	26	which	which	PRON
fbem-12951	133	27	can	can	AUX
fbem-12951	133	28	help	help	VERB
fbem-12951	133	29	banks	bank	NOUN
fbem-12951	133	30	make	make	VERB
fbem-12951	133	31	full	full	ADJ
fbem-12951	133	32	use	use	NOUN
fbem-12951	133	33	of	of	ADP
fbem-12951	133	34	their	their	PRON
fbem-12951	133	35	customer	customer	NOUN
fbem-12951	133	36	relationship	relationship	NOUN
fbem-12951	133	37	resources	resource	NOUN
fbem-12951	133	38	to	to	PART
fbem-12951	133	39	expand	expand	VERB
fbem-12951	133	40	new	new	ADJ
fbem-12951	133	41	markets	market	NOUN
fbem-12951	133	42	and	and	CCONJ
fbem-12951	133	43	business	business	NOUN
fbem-12951	133	44	channels	channel	NOUN
fbem-12951	133	45	,	,	PUNCT
fbem-12951	133	46	improve	improve	VERB
fbem-12951	133	47	customer	customer	NOUN
fbem-12951	133	48	satisfaction	satisfaction	NOUN
fbem-12951	133	49	and	and	CCONJ
fbem-12951	133	50	the	the	DET
fbem-12951	133	51	bank	bank	NOUN
fbem-12951	133	52	's	's	PART
fbem-12951	133	53	profitability	profitability	NOUN
fbem-12951	133	54	enables	enable	VERB
fbem-12951	133	55	banks	bank	NOUN
fbem-12951	133	56	to	to	PART
fbem-12951	133	57	gain	gain	VERB
fbem-12951	133	58	a	a	DET
fbem-12951	133	59	foothold	foothold	NOUN
fbem-12951	133	60	and	and	CCONJ
fbem-12951	133	61	develop	develop	VERB
fbem-12951	133	62	in	in	ADP
fbem-12951	133	63	fierce	fierce	ADJ
fbem-12951	133	64	competition	competition	NOUN
fbem-12951	133	65	.	.	PUNCT
fbem-12951	134	1	the	the	DET
fbem-12951	134	2	strategic	strategic	ADJ
fbem-12951	134	3	focus	focus	NOUN
fbem-12951	134	4	of	of	ADP
fbem-12951	134	5	customer	customer	NOUN
fbem-12951	134	6	relations	relation	NOUN
fbem-12951	134	7	is	be	AUX
fbem-12951	134	8	to	to	PART
fbem-12951	134	9	establish	establish	VERB
fbem-12951	134	10	customer	customer	NOUN
fbem-12951	134	11	-	-	PUNCT
fbem-12951	134	12	centered	center	VERB
fbem-12951	134	13	business	business	NOUN
fbem-12951	134	14	processes	process	NOUN
fbem-12951	134	15	,	,	PUNCT
fbem-12951	134	16	establish	establish	VERB
fbem-12951	134	17	stable	stable	ADJ
fbem-12951	134	18	customer	customer	NOUN
fbem-12951	134	19	relationships	relationship	NOUN
fbem-12951	134	20	,	,	PUNCT
fbem-12951	134	21	implement	implement	VERB
fbem-12951	134	22	corporate	corporate	ADJ
fbem-12951	134	23	culture	culture	NOUN
fbem-12951	134	24	adapted	adapt	VERB
fbem-12951	134	25	to	to	ADP
fbem-12951	134	26	customer	customer	NOUN
fbem-12951	134	27	relationship	relationship	NOUN
fbem-12951	134	28	management	management	NOUN
fbem-12951	134	29	,	,	PUNCT
fbem-12951	134	30	and	and	CCONJ
fbem-12951	134	31	finally	finally	ADV
fbem-12951	134	32	use	use	VERB
fbem-12951	134	33	information	information	NOUN
fbem-12951	134	34	technology	technology	NOUN
fbem-12951	134	35	to	to	PART
fbem-12951	134	36	support	support	VERB
fbem-12951	134	37	customer	customer	NOUN
fbem-12951	134	38	relationships	relationship	NOUN
fbem-12951	134	39	.	.	PUNCT
fbem-12951	135	1	it	it	PRON
fbem-12951	135	2	is	be	AUX
fbem-12951	135	3	concluded	conclude	VERB
fbem-12951	135	4	that	that	SCONJ
fbem-12951	135	5	the	the	DET
fbem-12951	135	6	relationship	relationship	NOUN
fbem-12951	135	7	between	between	ADP
fbem-12951	135	8	account	account	NOUN
fbem-12951	135	9	managers	manager	NOUN
fbem-12951	135	10	and	and	CCONJ
fbem-12951	135	11	customers	customer	NOUN
fbem-12951	135	12	is	be	AUX
fbem-12951	135	13	very	very	ADV
fbem-12951	135	14	important	important	ADJ
fbem-12951	135	15	,	,	PUNCT
fbem-12951	135	16	and	and	CCONJ
fbem-12951	135	17	banks	bank	NOUN
fbem-12951	135	18	can	can	AUX
fbem-12951	135	19	achieve	achieve	VERB
fbem-12951	135	20	strategic	strategic	ADJ
fbem-12951	135	21	priorities	priority	NOUN
fbem-12951	135	22	by	by	ADP
fbem-12951	135	23	dividing	divide	VERB
fbem-12951	135	24	customers	customer	NOUN
fbem-12951	135	25	.	.	PUNCT
fbem-12951	136	1	customer	customer	NOUN
fbem-12951	136	2	relationship	relationship	NOUN
fbem-12951	136	3	management	management	NOUN
fbem-12951	136	4	should	should	AUX
fbem-12951	136	5	be	be	AUX
fbem-12951	136	6	a	a	DET
fbem-12951	136	7	comprehensive	comprehensive	ADJ
fbem-12951	136	8	reflection	reflection	NOUN
fbem-12951	136	9	of	of	ADP
fbem-12951	136	10	business	business	NOUN
fbem-12951	136	11	strategy	strategy	NOUN
fbem-12951	136	12	,	,	PUNCT
fbem-12951	136	13	business	business	NOUN
fbem-12951	136	14	processes	process	NOUN
fbem-12951	136	15	,	,	PUNCT
fbem-12951	136	16	performance	performance	NOUN
fbem-12951	136	17	evaluation	evaluation	NOUN
fbem-12951	136	18	,	,	PUNCT
fbem-12951	136	19	organizational	organizational	ADJ
fbem-12951	136	20	structure	structure	NOUN
fbem-12951	136	21	,	,	PUNCT
fbem-12951	136	22	and	and	CCONJ
fbem-12951	136	23	information	information	NOUN
fbem-12951	136	24	technology	technology	NOUN
fbem-12951	136	25	.	.	PUNCT
fbem-12951	137	1	the	the	DET
fbem-12951	137	2	successful	successful	ADJ
fbem-12951	137	3	implementation	implementation	NOUN
fbem-12951	137	4	of	of	ADP
fbem-12951	137	5	customer	customer	NOUN
fbem-12951	137	6	relationship	relationship	NOUN
fbem-12951	137	7	management	management	NOUN
fbem-12951	137	8	can	can	AUX
fbem-12951	137	9	provide	provide	VERB
fbem-12951	137	10	thoughtful	thoughtful	ADJ
fbem-12951	137	11	and	and	CCONJ
fbem-12951	137	12	high	high	ADJ
fbem-12951	137	13	-	-	PUNCT
fbem-12951	137	14	quality	quality	NOUN
fbem-12951	137	15	services	service	NOUN
fbem-12951	137	16	to	to	PART
fbem-12951	137	17	attract	attract	VERB
fbem-12951	137	18	and	and	CCONJ
fbem-12951	137	19	retain	retain	VERB
fbem-12951	137	20	more	more	ADJ
fbem-12951	137	21	customers	customer	NOUN
fbem-12951	137	22	and	and	CCONJ
fbem-12951	137	23	can	can	AUX
fbem-12951	137	24	optimize	optimize	VERB
fbem-12951	137	25	customer	customer	NOUN
fbem-12951	137	26	-	-	PUNCT
fbem-12951	137	27	facing	face	VERB
fbem-12951	137	28	work	work	NOUN
fbem-12951	137	29	processes	process	NOUN
fbem-12951	137	30	to	to	PART
fbem-12951	137	31	reduce	reduce	VERB
fbem-12951	137	32	the	the	DET
fbem-12951	137	33	cost	cost	NOUN
fbem-12951	137	34	of	of	ADP
fbem-12951	137	35	acquiring	acquire	VERB
fbem-12951	137	36	and	and	CCONJ
fbem-12951	137	37	retaining	retain	VERB
fbem-12951	137	38	customers	customer	NOUN
fbem-12951	137	39	.	.	PUNCT
fbem-12951	138	1	references	reference	NOUN
fbem-12951	138	2	[	[	X
fbem-12951	138	3	1	1	NUM
fbem-12951	138	4	]	]	X
fbem-12951	138	5	xue	xue	PROPN
fbem-12951	138	6	nan	nan	PROPN
fbem-12951	138	7	.	.	PUNCT
fbem-12951	139	1	research	research	NOUN
fbem-12951	139	2	on	on	ADP
fbem-12951	139	3	optimization	optimization	NOUN
fbem-12951	139	4	strategies	strategy	NOUN
fbem-12951	139	5	of	of	ADP
fbem-12951	139	6	customer	customer	NOUN
fbem-12951	139	7	relationship	relationship	NOUN
fbem-12951	139	8	management	management	NOUN
fbem-12951	139	9	of	of	ADP
fbem-12951	139	10	commercial	commercial	ADJ
fbem-12951	139	11	banks	bank	NOUN
fbem-12951	139	12	taking	take	VERB
fbem-12951	139	13	bank	bank	NOUN
fbem-12951	139	14	b	b	NOUN
fbem-12951	139	15	as	as	ADP
fbem-12951	139	16	an	an	DET
fbem-12951	139	17	example	example	NOUN
fbem-12951	140	1	[	[	X
fbem-12951	140	2	j	j	X
fbem-12951	140	3	]	]	X
fbem-12951	140	4	.	.	PUNCT
fbem-12951	141	1	enterprise	enterprise	NOUN
fbem-12951	141	2	reform	reform	NOUN
fbem-12951	141	3	and	and	CCONJ
fbem-12951	141	4	management	management	NOUN
fbem-12951	141	5	,	,	PUNCT
fbem-12951	141	6	2023(11):46	2023(11):46	NUM
fbem-12951	141	7	-	-	SYM
fbem-12951	141	8	47	47	NUM
fbem-12951	141	9	.	.	PUNCT
fbem-12951	142	1	[	[	X
fbem-12951	142	2	2	2	NUM
fbem-12951	142	3	]	]	X
fbem-12951	142	4	man	man	NOUN
fbem-12951	142	5	yuhua	yuhua	PROPN
fbem-12951	142	6	.	.	PUNCT
fbem-12951	143	1	analysis	analysis	NOUN
fbem-12951	143	2	on	on	ADP
fbem-12951	143	3	customer	customer	NOUN
fbem-12951	143	4	relationship	relationship	NOUN
fbem-12951	143	5	maintenance	maintenance	NOUN
fbem-12951	143	6	of	of	ADP
fbem-12951	143	7	commercial	commercial	ADJ
fbem-12951	143	8	banks[j	banks[j	NOUN
fbem-12951	143	9	]	]	X
fbem-12951	143	10	.	.	PUNCT
fbem-12951	144	1	modern	modern	ADJ
fbem-12951	144	2	business	business	NOUN
fbem-12951	144	3	,	,	PUNCT
fbem-12951	144	4	2010(12):6	2010(12):6	NUM
fbem-12951	144	5	-	-	SYM
fbem-12951	144	6	7	7	NUM
fbem-12951	144	7	.	.	PUNCT
fbem-12951	144	8	doi:10.3969	doi:10.3969	NOUN
fbem-12951	144	9	/	/	SYM
fbem-12951	144	10	j.issn.1673	j.issn.1673	PROPN
fbem-12951	144	11	-	-	PUNCT
fbem-12951	144	12	5889.2010.12.001	5889.2010.12.001	PROPN
fbem-12951	144	13	.	.	PUNCT
fbem-12951	145	1	[	[	X
fbem-12951	145	2	3	3	X
fbem-12951	145	3	]	]	X
fbem-12951	145	4	lu	lu	PROPN
fbem-12951	145	5	haiyan	haiyan	PROPN
fbem-12951	145	6	.	.	PUNCT
fbem-12951	146	1	analysis	analysis	NOUN
fbem-12951	146	2	of	of	ADP
fbem-12951	146	3	customer	customer	NOUN
fbem-12951	146	4	relationship	relationship	NOUN
fbem-12951	146	5	management	management	NOUN
fbem-12951	146	6	of	of	ADP
fbem-12951	146	7	commercial	commercial	ADJ
fbem-12951	146	8	banks	bank	NOUN
fbem-12951	147	1	[	[	X
fbem-12951	147	2	j	j	X
fbem-12951	147	3	]	]	X
fbem-12951	147	4	.	.	PUNCT
fbem-12951	148	1	modern	modern	ADJ
fbem-12951	148	2	commerce	commerce	NOUN
fbem-12951	148	3	and	and	CCONJ
fbem-12951	148	4	industry	industry	NOUN
fbem-12951	148	5	,	,	PUNCT
fbem-12951	148	6	2008	2008	NUM
fbem-12951	148	7	,	,	PUNCT
fbem-12951	148	8	20(9	20(9	NUM
fbem-12951	148	9	):	):	PUNCT
fbem-12951	148	10	211	211	NUM
fbem-12951	148	11	-	-	SYM
fbem-12951	148	12	212	212	NUM
fbem-12951	148	13	.	.	PUNCT
fbem-12951	149	1	doi	doi	NOUN
fbem-12951	149	2	:	:	PUNCT
fbem-12951	149	3	10.3969	10.3969	NUM
fbem-12951	149	4	/	/	SYM
fbem-12951	149	5	j.issn.1672	j.issn.1672	NOUN
fbem-12951	149	6	-	-	PUNCT
fbem-12951	149	7	3198.2008.09.113	3198.2008.09.113	PROPN
fbem-12951	149	8	.	.	PUNCT
fbem-12951	150	1	[	[	X
fbem-12951	150	2	4	4	NUM
fbem-12951	150	3	]	]	SYM
fbem-12951	150	4	hu	hu	PROPN
fbem-12951	150	5	yan	yan	PROPN
fbem-12951	150	6	.	.	PUNCT
fbem-12951	151	1	a	a	DET
fbem-12951	151	2	brief	brief	ADJ
fbem-12951	151	3	discussion	discussion	NOUN
fbem-12951	151	4	on	on	ADP
fbem-12951	151	5	customer	customer	NOUN
fbem-12951	151	6	relationship	relationship	NOUN
fbem-12951	151	7	management	management	NOUN
fbem-12951	151	8	of	of	ADP
fbem-12951	151	9	commercial	commercial	ADJ
fbem-12951	151	10	banks	bank	NOUN
fbem-12951	152	1	[	[	X
fbem-12951	152	2	j	j	X
fbem-12951	152	3	]	]	X
fbem-12951	152	4	.	.	PUNCT
fbem-12951	153	1	journal	journal	PROPN
fbem-12951	153	2	of	of	ADP
fbem-12951	153	3	hubei	hubei	PROPN
fbem-12951	153	4	university	university	PROPN
fbem-12951	153	5	of	of	ADP
fbem-12951	153	6	economics	economic	NOUN
fbem-12951	153	7	(	(	PUNCT
fbem-12951	153	8	humanities	humanity	NOUN
fbem-12951	153	9	and	and	CCONJ
fbem-12951	153	10	social	social	ADJ
fbem-12951	153	11	sciences	sciences	PROPN
fbem-12951	153	12	edition	edition	NOUN
fbem-12951	153	13	)	)	PUNCT
fbem-12951	153	14	,	,	PUNCT
fbem-12951	153	15	2014(5):46	2014(5):46	NUM
fbem-12951	153	16	-	-	SYM
fbem-12951	153	17	47	47	NUM
fbem-12951	153	18	.	.	PUNCT
fbem-12951	154	1	doi:10.3969	doi:10.3969	NOUN
fbem-12951	154	2	/	/	SYM
fbem-12951	154	3	j.issn.16710975.2014.05.019	j.issn.16710975.2014.05.019	NOUN
fbem-12951	154	4	.	.	PUNCT
fbem-12951	155	1	[	[	X
fbem-12951	155	2	5	5	X
fbem-12951	155	3	]	]	PUNCT
fbem-12951	155	4	jiang	jiang	PROPN
fbem-12951	155	5	lili	lili	PROPN
fbem-12951	155	6	.	.	PUNCT
fbem-12951	156	1	analysis	analysis	NOUN
fbem-12951	156	2	of	of	ADP
fbem-12951	156	3	customer	customer	NOUN
fbem-12951	156	4	relationship	relationship	NOUN
fbem-12951	156	5	management	management	NOUN
fbem-12951	156	6	of	of	ADP
fbem-12951	156	7	commercial	commercial	ADJ
fbem-12951	156	8	banks[j	banks[j	PROPN
fbem-12951	156	9	]	]	X
fbem-12951	156	10	.	.	PUNCT
fbem-12951	157	1	financial	financial	ADJ
fbem-12951	157	2	circle	circle	NOUN
fbem-12951	157	3	(	(	PUNCT
fbem-12951	157	4	academic	academic	NOUN
fbem-12951	157	5	)	)	PUNCT
fbem-12951	157	6	,	,	PUNCT
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fbem-12951	157	8	.	.	PUNCT
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fbem-12951	157	10	/	/	SYM
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fbem-12951	157	12	-	-	PUNCT
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fbem-12951	157	14	.	.	PUNCT
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fbem-12951	158	2	6	6	NUM
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fbem-12951	158	6	.	.	PUNCT
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fbem-12951	159	3	customer	customer	NOUN
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fbem-12951	160	1	[	[	X
fbem-12951	160	2	j	j	X
fbem-12951	160	3	]	]	X
fbem-12951	160	4	.	.	PUNCT
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fbem-12951	161	6	,	,	PUNCT
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fbem-12951	161	8	):	):	PUNCT
fbem-12951	161	9	332333	332333	NUM
fbem-12951	161	10	.	.	PUNCT
fbem-12951	162	1	doi	doi	NOUN
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fbem-12951	162	4	/	/	SYM
fbem-12951	162	5	j.issn.1671	j.issn.1671	NOUN
fbem-12951	162	6	-	-	PUNCT
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fbem-12951	162	8	.	.	PUNCT
fbem-12951	163	1	[	[	X
fbem-12951	163	2	7	7	X
fbem-12951	163	3	]	]	X
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fbem-12951	163	5	xiaohong	xiaohong	PROPN
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fbem-12951	163	9	.	.	PUNCT
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fbem-12951	164	2	on	on	ADP
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fbem-12951	165	1	[	[	X
fbem-12951	165	2	j	j	X
fbem-12951	165	3	]	]	X
fbem-12951	165	4	.	.	PUNCT
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fbem-12951	166	3	,	,	PUNCT
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fbem-12951	166	5	,	,	PUNCT
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fbem-12951	166	7	):	):	PUNCT
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fbem-12951	166	9	-	-	SYM
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fbem-12951	166	11	.	.	PUNCT
fbem-12951	167	1	doi	doi	NOUN
fbem-12951	167	2	:	:	PUNCT
fbem-12951	167	3	10.3969	10.3969	NUM
fbem-12951	167	4	/	/	SYM
fbem-12951	167	5	j.issn.1672	j.issn.1672	NOUN
fbem-12951	167	6	-	-	PUNCT
fbem-12951	167	7	0334.2005.03.010	0334.2005.03.010	NOUN
fbem-12951	167	8	.	.	PUNCT
fbem-12951	168	1	[	[	X
fbem-12951	168	2	8	8	NUM
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fbem-12951	168	6	.	.	PUNCT
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fbem-12951	169	4	on	on	ADP
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fbem-12951	169	7	management	management	NOUN
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fbem-12951	170	1	[	[	X
fbem-12951	170	2	j	j	X
fbem-12951	170	3	]	]	X
fbem-12951	170	4	.	.	PUNCT
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fbem-12951	171	2	of	of	ADP
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fbem-12951	171	5	management	management	PROPN
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fbem-12951	171	8	,	,	PUNCT
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fbem-12951	171	10	-	-	SYM
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fbem-12951	171	12	.	.	PUNCT
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fbem-12951	172	2	/	/	SYM
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fbem-12951	172	4	-	-	PUNCT
fbem-12951	172	5	4768.2003.02.008	4768.2003.02.008	NOUN
fbem-12951	172	6	.	.	PUNCT
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fbem-12951	173	3	]	]	SYM
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fbem-12951	173	5	yingqi	yingqi	PROPN
fbem-12951	173	6	.	.	PUNCT
fbem-12951	174	1	research	research	NOUN
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fbem-12951	174	8	banks[j	banks[j	PROPN
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fbem-12951	174	10	.	.	PUNCT
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fbem-12951	175	3	,	,	PUNCT
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fbem-12951	175	5	-	-	SYM
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fbem-12951	175	7	.	.	PUNCT
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fbem-12951	175	9	/	/	SYM
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fbem-12951	175	11	-	-	PUNCT
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fbem-12951	175	13	.	.	PUNCT
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fbem-12951	177	1	[	[	X
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fbem-12951	177	4	.	.	PUNCT
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fbem-12951	178	5	-	-	SYM
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fbem-12951	178	7	.	.	PUNCT
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fbem-12951	178	9	/	/	SYM
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fbem-12951	178	11	-	-	PUNCT
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fbem-12951	179	9	.	.	PUNCT
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fbem-12951	179	18	[	[	X
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fbem-12951	179	21	.	.	PUNCT
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fbem-12951	180	16	/	/	SYM
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fbem-12951	180	18	-	-	PUNCT
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fbem-12951	180	20	.	.	PUNCT
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fbem-12951	181	6	.	.	PUNCT
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fbem-12951	183	1	[	[	X
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fbem-12951	183	4	.	.	PUNCT
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fbem-12951	184	7	.	.	PUNCT
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fbem-12951	185	9	.	.	PUNCT
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fbem-12951	187	1	[	[	X
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fbem-12951	187	4	.	.	PUNCT
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fbem-12951	188	5	,	,	PUNCT
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fbem-12951	188	9	):	):	PUNCT
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fbem-12951	188	11	-	-	SYM
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fbem-12951	188	13	.	.	PUNCT
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fbem-12951	189	6	-	-	PUNCT
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fbem-12951	189	8	.	.	PUNCT
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fbem-12951	190	6	.	.	PUNCT
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fbem-12951	192	1	[	[	X
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fbem-12951	192	4	.	.	PUNCT
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fbem-12951	193	5	-	-	SYM
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fbem-12951	193	7	.	.	PUNCT
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fbem-12951	194	6	.	.	PUNCT
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fbem-12951	196	1	[	[	X
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fbem-12951	196	4	.	.	PUNCT
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