id	sid	tid	token	lemma	pos
fbem-14089	1	1	frontiers	frontier	NOUN
fbem-14089	1	2	in	in	ADP
fbem-14089	1	3	business	business	NOUN
fbem-14089	1	4	,	,	PUNCT
fbem-14089	1	5	economics	economic	NOUN
fbem-14089	1	6	and	and	CCONJ
fbem-14089	1	7	management	management	NOUN
fbem-14089	1	8	issn	issn	PROPN
fbem-14089	1	9	:	:	PUNCT
fbem-14089	1	10	2766	2766	NUM
fbem-14089	1	11	-	-	PUNCT
fbem-14089	1	12	824x	824x	NUM
fbem-14089	1	13	|	|	ADJ
fbem-14089	1	14	vol	vol	NOUN
fbem-14089	1	15	.	.	PROPN
fbem-14089	2	1	12	12	NUM
fbem-14089	2	2	,	,	PUNCT
fbem-14089	2	3	no	no	INTJ
fbem-14089	2	4	.	.	NOUN
fbem-14089	2	5	1	1	NUM
fbem-14089	2	6	,	,	PUNCT
fbem-14089	2	7	2023	2023	NUM
fbem-14089	2	8	178	178	NUM
fbem-14089	2	9	the	the	DET
fbem-14089	2	10	impact	impact	NOUN
fbem-14089	2	11	of	of	ADP
fbem-14089	2	12	third	third	ADJ
fbem-14089	2	13	party	party	NOUN
fbem-14089	2	14	payment	payment	NOUN
fbem-14089	2	15	on	on	ADP
fbem-14089	2	16	china	china	PROPN
fbem-14089	2	17	's	's	PART
fbem-14089	2	18	commercial	commercial	ADJ
fbem-14089	2	19	banking	banking	NOUN
fbem-14089	2	20	wanjun	wanjun	PROPN
fbem-14089	2	21	xiao1	xiao1	PROPN
fbem-14089	2	22	,	,	PUNCT
fbem-14089	2	23	a	a	DET
fbem-14089	2	24	1the	1the	PROPN
fbem-14089	2	25	university	university	NOUN
fbem-14089	2	26	of	of	ADP
fbem-14089	2	27	sheffield	sheffield	PROPN
fbem-14089	2	28	,	,	PUNCT
fbem-14089	2	29	western	western	ADJ
fbem-14089	2	30	bank	bank	PROPN
fbem-14089	2	31	,	,	PUNCT
fbem-14089	2	32	sheffield	sheffield	PROPN
fbem-14089	2	33	s10	s10	PROPN
fbem-14089	2	34	2tn	2tn	PROPN
fbem-14089	2	35	,	,	PUNCT
fbem-14089	3	1	england	england	PROPN
fbem-14089	3	2	apthahnil@163.com	apthahnil@163.com	PROPN
fbem-14089	3	3	abstract	abstract	NOUN
fbem-14089	3	4	:	:	PUNCT
fbem-14089	3	5	the	the	DET
fbem-14089	3	6	rapid	rapid	ADJ
fbem-14089	3	7	development	development	NOUN
fbem-14089	3	8	of	of	ADP
fbem-14089	3	9	social	social	ADJ
fbem-14089	3	10	economy	economy	NOUN
fbem-14089	3	11	and	and	CCONJ
fbem-14089	3	12	science	science	NOUN
fbem-14089	3	13	and	and	CCONJ
fbem-14089	3	14	technology	technology	NOUN
fbem-14089	3	15	not	not	PART
fbem-14089	3	16	only	only	ADV
fbem-14089	3	17	promotes	promote	VERB
fbem-14089	3	18	the	the	DET
fbem-14089	3	19	development	development	NOUN
fbem-14089	3	20	of	of	ADP
fbem-14089	3	21	internet	internet	NOUN
fbem-14089	3	22	finance	finance	NOUN
fbem-14089	3	23	,	,	PUNCT
fbem-14089	3	24	but	but	CCONJ
fbem-14089	3	25	also	also	ADV
fbem-14089	3	26	has	have	VERB
fbem-14089	3	27	a	a	DET
fbem-14089	3	28	major	major	ADJ
fbem-14089	3	29	impact	impact	NOUN
fbem-14089	3	30	on	on	ADP
fbem-14089	3	31	people	people	NOUN
fbem-14089	3	32	's	's	PART
fbem-14089	3	33	daily	daily	ADJ
fbem-14089	3	34	life	life	NOUN
fbem-14089	3	35	.	.	PUNCT
fbem-14089	4	1	while	while	SCONJ
fbem-14089	4	2	people	people	NOUN
fbem-14089	4	3	’s	’s	PART
fbem-14089	4	4	lifestyles	lifestyle	NOUN
fbem-14089	4	5	are	be	AUX
fbem-14089	4	6	gradually	gradually	ADV
fbem-14089	4	7	changing	change	VERB
fbem-14089	4	8	,	,	PUNCT
fbem-14089	4	9	the	the	DET
fbem-14089	4	10	consumption	consumption	NOUN
fbem-14089	4	11	structure	structure	NOUN
fbem-14089	4	12	is	be	AUX
fbem-14089	4	13	changing	change	VERB
fbem-14089	4	14	.	.	PUNCT
fbem-14089	5	1	this	this	PRON
fbem-14089	5	2	led	lead	VERB
fbem-14089	5	3	to	to	ADP
fbem-14089	5	4	the	the	DET
fbem-14089	5	5	emergence	emergence	NOUN
fbem-14089	5	6	of	of	ADP
fbem-14089	5	7	an	an	DET
fbem-14089	5	8	independent	independent	ADJ
fbem-14089	5	9	institution	institution	NOUN
fbem-14089	5	10	with	with	ADP
fbem-14089	5	11	certain	certain	ADJ
fbem-14089	5	12	strength	strength	NOUN
fbem-14089	5	13	and	and	CCONJ
fbem-14089	5	14	credit	credit	NOUN
fbem-14089	5	15	guarantees	guarantee	NOUN
fbem-14089	5	16	,	,	PUNCT
fbem-14089	5	17	which	which	PRON
fbem-14089	5	18	facilitated	facilitate	VERB
fbem-14089	5	19	the	the	DET
fbem-14089	5	20	online	online	ADJ
fbem-14089	5	21	payment	payment	NOUN
fbem-14089	5	22	model	model	NOUN
fbem-14089	5	23	of	of	ADP
fbem-14089	5	24	transactions	transaction	NOUN
fbem-14089	5	25	between	between	ADP
fbem-14089	5	26	the	the	DET
fbem-14089	5	27	two	two	NUM
fbem-14089	5	28	parties	party	NOUN
fbem-14089	5	29	by	by	ADP
fbem-14089	5	30	connecting	connect	VERB
fbem-14089	5	31	to	to	ADP
fbem-14089	5	32	the	the	DET
fbem-14089	5	33	internetthird	internetthird	ADJ
fbem-14089	5	34	-	-	PUNCT
fbem-14089	5	35	party	party	NOUN
fbem-14089	5	36	payment	payment	NOUN
fbem-14089	5	37	docking	docking	NOUN
fbem-14089	5	38	.	.	PUNCT
fbem-14089	6	1	in	in	ADP
fbem-14089	6	2	the	the	DET
fbem-14089	6	3	most	most	ADV
fbem-14089	6	4	basic	basic	ADJ
fbem-14089	6	5	third	third	ADJ
fbem-14089	6	6	-	-	PUNCT
fbem-14089	6	7	party	party	NOUN
fbem-14089	6	8	payment	payment	NOUN
fbem-14089	6	9	model	model	NOUN
fbem-14089	6	10	,	,	PUNCT
fbem-14089	6	11	after	after	ADP
fbem-14089	6	12	purchasing	purchase	VERB
fbem-14089	6	13	the	the	DET
fbem-14089	6	14	goods	good	NOUN
fbem-14089	6	15	,	,	PUNCT
fbem-14089	6	16	the	the	DET
fbem-14089	6	17	buyer	buyer	NOUN
fbem-14089	6	18	transfers	transfer	NOUN
fbem-14089	6	19	to	to	ADP
fbem-14089	6	20	the	the	DET
fbem-14089	6	21	account	account	NOUN
fbem-14089	6	22	provided	provide	VERB
fbem-14089	6	23	by	by	ADP
fbem-14089	6	24	the	the	DET
fbem-14089	6	25	third	third	ADJ
fbem-14089	6	26	-	-	PUNCT
fbem-14089	6	27	party	party	NOUN
fbem-14089	6	28	platform	platform	NOUN
fbem-14089	6	29	for	for	ADP
fbem-14089	6	30	payment	payment	NOUN
fbem-14089	6	31	operations	operation	NOUN
fbem-14089	6	32	.	.	PUNCT
fbem-14089	7	1	that	that	PRON
fbem-14089	7	2	is	is	ADV
fbem-14089	7	3	,	,	PUNCT
fbem-14089	7	4	the	the	DET
fbem-14089	7	5	payment	payment	NOUN
fbem-14089	7	6	is	be	AUX
fbem-14089	7	7	paid	pay	VERB
fbem-14089	7	8	to	to	ADP
fbem-14089	7	9	a	a	DET
fbem-14089	7	10	third	third	ADJ
fbem-14089	7	11	party	party	NOUN
fbem-14089	7	12	,	,	PUNCT
fbem-14089	7	13	and	and	CCONJ
fbem-14089	7	14	the	the	DET
fbem-14089	7	15	third	third	ADJ
fbem-14089	7	16	party	party	NOUN
fbem-14089	7	17	notifies	notifie	NOUN
fbem-14089	7	18	the	the	DET
fbem-14089	7	19	seller	seller	NOUN
fbem-14089	7	20	of	of	ADP
fbem-14089	7	21	the	the	DET
fbem-14089	7	22	payment	payment	NOUN
fbem-14089	7	23	account	account	NOUN
fbem-14089	7	24	and	and	CCONJ
fbem-14089	7	25	requests	request	VERB
fbem-14089	7	26	delivery	delivery	NOUN
fbem-14089	7	27	.	.	PUNCT
fbem-14089	8	1	after	after	SCONJ
fbem-14089	8	2	the	the	DET
fbem-14089	8	3	buyer	buyer	NOUN
fbem-14089	8	4	receives	receive	VERB
fbem-14089	8	5	the	the	DET
fbem-14089	8	6	goods	good	NOUN
fbem-14089	8	7	,	,	PUNCT
fbem-14089	8	8	check	check	VERB
fbem-14089	8	9	the	the	DET
fbem-14089	8	10	goods	good	NOUN
fbem-14089	8	11	and	and	CCONJ
fbem-14089	8	12	confirm	confirm	VERB
fbem-14089	8	13	that	that	SCONJ
fbem-14089	8	14	the	the	DET
fbem-14089	8	15	goods	good	NOUN
fbem-14089	8	16	are	be	AUX
fbem-14089	8	17	correct	correct	ADJ
fbem-14089	8	18	,	,	PUNCT
fbem-14089	8	19	then	then	ADV
fbem-14089	8	20	notify	notify	VERB
fbem-14089	8	21	the	the	DET
fbem-14089	8	22	third	third	ADJ
fbem-14089	8	23	party	party	NOUN
fbem-14089	8	24	to	to	PART
fbem-14089	8	25	confirm	confirm	VERB
fbem-14089	8	26	the	the	DET
fbem-14089	8	27	payment	payment	NOUN
fbem-14089	8	28	;	;	PUNCT
fbem-14089	8	29	then	then	ADV
fbem-14089	8	30	the	the	DET
fbem-14089	8	31	third	third	ADJ
fbem-14089	8	32	party	party	NOUN
fbem-14089	8	33	transfers	transfer	VERB
fbem-14089	8	34	the	the	DET
fbem-14089	8	35	money	money	NOUN
fbem-14089	8	36	to	to	ADP
fbem-14089	8	37	the	the	DET
fbem-14089	8	38	seller	seller	NOUN
fbem-14089	8	39	's	's	PART
fbem-14089	8	40	account	account	NOUN
fbem-14089	8	41	.	.	PUNCT
fbem-14089	9	1	although	although	SCONJ
fbem-14089	9	2	the	the	DET
fbem-14089	9	3	development	development	NOUN
fbem-14089	9	4	time	time	NOUN
fbem-14089	9	5	of	of	ADP
fbem-14089	9	6	third	third	ADJ
fbem-14089	9	7	-	-	PUNCT
fbem-14089	9	8	party	party	NOUN
fbem-14089	9	9	payment	payment	NOUN
fbem-14089	9	10	is	be	AUX
fbem-14089	9	11	not	not	PART
fbem-14089	9	12	long	long	ADJ
fbem-14089	9	13	,	,	PUNCT
fbem-14089	9	14	even	even	ADV
fbem-14089	9	15	far	far	ADV
fbem-14089	9	16	less	less	ADJ
fbem-14089	9	17	than	than	ADP
fbem-14089	9	18	the	the	DET
fbem-14089	9	19	banking	banking	NOUN
fbem-14089	9	20	industry	industry	NOUN
fbem-14089	9	21	,	,	PUNCT
fbem-14089	9	22	its	its	PRON
fbem-14089	9	23	development	development	NOUN
fbem-14089	9	24	speed	speed	NOUN
fbem-14089	9	25	is	be	AUX
fbem-14089	9	26	extremely	extremely	ADV
fbem-14089	9	27	rapid	rapid	ADJ
fbem-14089	9	28	,	,	PUNCT
fbem-14089	9	29	and	and	CCONJ
fbem-14089	9	30	the	the	DET
fbem-14089	9	31	scope	scope	NOUN
fbem-14089	9	32	of	of	ADP
fbem-14089	9	33	development	development	NOUN
fbem-14089	9	34	is	be	AUX
fbem-14089	9	35	also	also	ADV
fbem-14089	9	36	expanding	expand	VERB
fbem-14089	9	37	.	.	PUNCT
fbem-14089	10	1	the	the	DET
fbem-14089	10	2	rapid	rapid	ADJ
fbem-14089	10	3	development	development	NOUN
fbem-14089	10	4	of	of	ADP
fbem-14089	10	5	third	third	ADJ
fbem-14089	10	6	-	-	PUNCT
fbem-14089	10	7	party	party	NOUN
fbem-14089	10	8	payments	payment	NOUN
fbem-14089	10	9	and	and	CCONJ
fbem-14089	10	10	the	the	DET
fbem-14089	10	11	penetration	penetration	NOUN
fbem-14089	10	12	of	of	ADP
fbem-14089	10	13	business	business	NOUN
fbem-14089	10	14	scope	scope	NOUN
fbem-14089	10	15	overlap	overlap	NOUN
fbem-14089	10	16	with	with	ADP
fbem-14089	10	17	the	the	DET
fbem-14089	10	18	business	business	NOUN
fbem-14089	10	19	operations	operation	NOUN
fbem-14089	10	20	of	of	ADP
fbem-14089	10	21	commercial	commercial	ADJ
fbem-14089	10	22	banks	bank	NOUN
fbem-14089	10	23	.	.	PUNCT
fbem-14089	11	1	this	this	PRON
fbem-14089	11	2	has	have	AUX
fbem-14089	11	3	had	have	VERB
fbem-14089	11	4	an	an	DET
fbem-14089	11	5	impact	impact	NOUN
fbem-14089	11	6	on	on	ADP
fbem-14089	11	7	commercial	commercial	ADJ
fbem-14089	11	8	banks	bank	NOUN
fbem-14089	11	9	,	,	PUNCT
fbem-14089	11	10	prompting	prompt	VERB
fbem-14089	11	11	commercial	commercial	ADJ
fbem-14089	11	12	banks	bank	NOUN
fbem-14089	11	13	to	to	PART
fbem-14089	11	14	accelerate	accelerate	VERB
fbem-14089	11	15	the	the	DET
fbem-14089	11	16	pace	pace	NOUN
fbem-14089	11	17	of	of	ADP
fbem-14089	11	18	reform	reform	NOUN
fbem-14089	11	19	and	and	CCONJ
fbem-14089	11	20	strive	strive	VERB
fbem-14089	11	21	to	to	PART
fbem-14089	11	22	adapt	adapt	VERB
fbem-14089	11	23	to	to	ADP
fbem-14089	11	24	the	the	DET
fbem-14089	11	25	development	development	NOUN
fbem-14089	11	26	requirements	requirement	NOUN
fbem-14089	11	27	of	of	ADP
fbem-14089	11	28	the	the	DET
fbem-14089	11	29	market.this	market.this	PRON
fbem-14089	11	30	paper	paper	NOUN
fbem-14089	11	31	mainly	mainly	ADV
fbem-14089	11	32	studies	study	VERB
fbem-14089	11	33	the	the	DET
fbem-14089	11	34	relationship	relationship	NOUN
fbem-14089	11	35	between	between	ADP
fbem-14089	11	36	third	third	ADJ
fbem-14089	11	37	-	-	PUNCT
fbem-14089	11	38	party	party	NOUN
fbem-14089	11	39	payment	payment	NOUN
fbem-14089	11	40	and	and	CCONJ
fbem-14089	11	41	commercial	commercial	ADJ
fbem-14089	11	42	banks	bank	NOUN
fbem-14089	11	43	,	,	PUNCT
fbem-14089	11	44	combining	combine	VERB
fbem-14089	11	45	the	the	DET
fbem-14089	11	46	development	development	NOUN
fbem-14089	11	47	status	status	NOUN
fbem-14089	11	48	of	of	ADP
fbem-14089	11	49	the	the	DET
fbem-14089	11	50	two	two	NUM
fbem-14089	11	51	,	,	PUNCT
fbem-14089	11	52	competitive	competitive	ADJ
fbem-14089	11	53	advantage	advantage	NOUN
fbem-14089	11	54	and	and	CCONJ
fbem-14089	11	55	competitive	competitive	ADJ
fbem-14089	11	56	disadvantage	disadvantage	NOUN
fbem-14089	11	57	.	.	PUNCT
fbem-14089	12	1	analyze	analyze	VERB
fbem-14089	12	2	the	the	DET
fbem-14089	12	3	impact	impact	NOUN
fbem-14089	12	4	of	of	ADP
fbem-14089	12	5	the	the	DET
fbem-14089	12	6	rapid	rapid	ADJ
fbem-14089	12	7	development	development	NOUN
fbem-14089	12	8	of	of	ADP
fbem-14089	12	9	third	third	ADJ
fbem-14089	12	10	-	-	PUNCT
fbem-14089	12	11	party	party	NOUN
fbem-14089	12	12	payment	payment	NOUN
fbem-14089	12	13	on	on	ADP
fbem-14089	12	14	commercial	commercial	ADJ
fbem-14089	12	15	banks	bank	NOUN
fbem-14089	12	16	at	at	ADP
fbem-14089	12	17	this	this	DET
fbem-14089	12	18	stage	stage	NOUN
fbem-14089	12	19	,	,	PUNCT
fbem-14089	12	20	and	and	CCONJ
fbem-14089	12	21	combine	combine	VERB
fbem-14089	12	22	the	the	DET
fbem-14089	12	23	current	current	ADJ
fbem-14089	12	24	economic	economic	ADJ
fbem-14089	12	25	,	,	PUNCT
fbem-14089	12	26	social	social	ADJ
fbem-14089	12	27	and	and	CCONJ
fbem-14089	12	28	technological	technological	ADJ
fbem-14089	12	29	development	development	NOUN
fbem-14089	12	30	to	to	PART
fbem-14089	12	31	find	find	VERB
fbem-14089	12	32	corresponding	corresponding	ADJ
fbem-14089	12	33	solutions	solution	NOUN
fbem-14089	12	34	.	.	PUNCT
fbem-14089	13	1	keywords	keyword	NOUN
fbem-14089	13	2	:	:	PUNCT
fbem-14089	13	3	third	third	ADJ
fbem-14089	13	4	-	-	PUNCT
fbem-14089	13	5	party	party	NOUN
fbem-14089	13	6	payments	payment	NOUN
fbem-14089	13	7	,	,	PUNCT
fbem-14089	13	8	commercial	commercial	ADJ
fbem-14089	13	9	bank	bank	NOUN
fbem-14089	13	10	,	,	PUNCT
fbem-14089	13	11	online	online	ADJ
fbem-14089	13	12	trading	trading	NOUN
fbem-14089	13	13	.	.	PUNCT
fbem-14089	14	1	1	1	X
fbem-14089	14	2	.	.	X
fbem-14089	14	3	introduction	introduction	NOUN
fbem-14089	14	4	the	the	DET
fbem-14089	14	5	rapid	rapid	ADJ
fbem-14089	14	6	development	development	NOUN
fbem-14089	14	7	of	of	ADP
fbem-14089	14	8	social	social	ADJ
fbem-14089	14	9	economy	economy	NOUN
fbem-14089	14	10	and	and	CCONJ
fbem-14089	14	11	science	science	NOUN
fbem-14089	14	12	and	and	CCONJ
fbem-14089	14	13	technology	technology	NOUN
fbem-14089	14	14	has	have	AUX
fbem-14089	14	15	promoted	promote	VERB
fbem-14089	14	16	the	the	DET
fbem-14089	14	17	development	development	NOUN
fbem-14089	14	18	of	of	ADP
fbem-14089	14	19	internet	internet	NOUN
fbem-14089	14	20	finance	finance	NOUN
fbem-14089	14	21	,	,	PUNCT
fbem-14089	14	22	and	and	CCONJ
fbem-14089	14	23	at	at	ADP
fbem-14089	14	24	the	the	DET
fbem-14089	14	25	same	same	ADJ
fbem-14089	14	26	time	time	NOUN
fbem-14089	14	27	,	,	PUNCT
fbem-14089	14	28	it	it	PRON
fbem-14089	14	29	has	have	AUX
fbem-14089	14	30	also	also	ADV
fbem-14089	14	31	had	have	VERB
fbem-14089	14	32	a	a	DET
fbem-14089	14	33	significant	significant	ADJ
fbem-14089	14	34	impact	impact	NOUN
fbem-14089	14	35	on	on	ADP
fbem-14089	14	36	people	people	NOUN
fbem-14089	14	37	's	's	PART
fbem-14089	14	38	lives	life	NOUN
fbem-14089	14	39	,	,	PUNCT
fbem-14089	14	40	and	and	CCONJ
fbem-14089	14	41	their	their	PRON
fbem-14089	14	42	lifestyles	lifestyle	NOUN
fbem-14089	14	43	are	be	AUX
fbem-14089	14	44	increasingly	increasingly	ADV
fbem-14089	14	45	changing	change	VERB
fbem-14089	14	46	.	.	PUNCT
fbem-14089	15	1	as	as	ADP
fbem-14089	15	2	a	a	DET
fbem-14089	15	3	result	result	NOUN
fbem-14089	15	4	,	,	PUNCT
fbem-14089	15	5	third	third	ADJ
fbem-14089	15	6	-	-	PUNCT
fbem-14089	15	7	party	party	NOUN
fbem-14089	15	8	payment	payment	NOUN
fbem-14089	15	9	has	have	AUX
fbem-14089	15	10	been	be	AUX
fbem-14089	15	11	derived	derive	VERB
fbem-14089	15	12	.	.	PUNCT
fbem-14089	16	1	with	with	ADP
fbem-14089	16	2	its	its	PRON
fbem-14089	16	3	innovative	innovative	ADJ
fbem-14089	16	4	,	,	PUNCT
fbem-14089	16	5	convenient	convenient	ADJ
fbem-14089	16	6	and	and	CCONJ
fbem-14089	16	7	diversified	diversified	ADJ
fbem-14089	16	8	personalised	personalised	ADJ
fbem-14089	16	9	mode	mode	NOUN
fbem-14089	16	10	,	,	PUNCT
fbem-14089	16	11	the	the	DET
fbem-14089	16	12	third	third	ADJ
fbem-14089	16	13	-	-	PUNCT
fbem-14089	16	14	party	party	NOUN
fbem-14089	16	15	payment	payment	NOUN
fbem-14089	16	16	platform	platform	NOUN
fbem-14089	16	17	has	have	AUX
fbem-14089	16	18	gradually	gradually	ADV
fbem-14089	16	19	changed	change	VERB
fbem-14089	16	20	people	people	NOUN
fbem-14089	16	21	's	's	PART
fbem-14089	16	22	consumption	consumption	NOUN
fbem-14089	16	23	habits	habit	NOUN
fbem-14089	16	24	and	and	CCONJ
fbem-14089	16	25	consumption	consumption	NOUN
fbem-14089	16	26	concepts	concept	NOUN
fbem-14089	16	27	.	.	PUNCT
fbem-14089	17	1	as	as	SCONJ
fbem-14089	17	2	the	the	DET
fbem-14089	17	3	market	market	NOUN
fbem-14089	17	4	share	share	NOUN
fbem-14089	17	5	of	of	ADP
fbem-14089	17	6	the	the	DET
fbem-14089	17	7	third	third	ADJ
fbem-14089	17	8	-	-	PUNCT
fbem-14089	17	9	party	party	NOUN
fbem-14089	17	10	payment	payment	NOUN
fbem-14089	17	11	platform	platform	NOUN
fbem-14089	17	12	expands	expand	VERB
fbem-14089	17	13	and	and	CCONJ
fbem-14089	17	14	the	the	DET
fbem-14089	17	15	scale	scale	NOUN
fbem-14089	17	16	of	of	ADP
fbem-14089	17	17	transactions	transaction	NOUN
fbem-14089	17	18	expands	expand	VERB
fbem-14089	17	19	,	,	PUNCT
fbem-14089	17	20	it	it	PRON
fbem-14089	17	21	attracts	attract	VERB
fbem-14089	17	22	more	more	ADJ
fbem-14089	17	23	and	and	CCONJ
fbem-14089	17	24	more	more	ADJ
fbem-14089	17	25	consumers	consumer	NOUN
fbem-14089	17	26	,	,	PUNCT
fbem-14089	17	27	and	and	CCONJ
fbem-14089	17	28	they	they	PRON
fbem-14089	17	29	begin	begin	VERB
fbem-14089	17	30	to	to	PART
fbem-14089	17	31	expand	expand	VERB
fbem-14089	17	32	their	their	PRON
fbem-14089	17	33	services	service	NOUN
fbem-14089	17	34	in	in	ADP
fbem-14089	17	35	various	various	ADJ
fbem-14089	17	36	financial	financial	ADJ
fbem-14089	17	37	fields	field	NOUN
fbem-14089	17	38	.	.	PUNCT
fbem-14089	18	1	at	at	ADP
fbem-14089	18	2	the	the	DET
fbem-14089	18	3	same	same	ADJ
fbem-14089	18	4	time	time	NOUN
fbem-14089	18	5	,	,	PUNCT
fbem-14089	18	6	their	their	PRON
fbem-14089	18	7	business	business	NOUN
fbem-14089	18	8	scope	scope	NOUN
fbem-14089	18	9	has	have	AUX
fbem-14089	18	10	begun	begin	VERB
fbem-14089	18	11	to	to	PART
fbem-14089	18	12	expand	expand	VERB
fbem-14089	18	13	into	into	ADP
fbem-14089	18	14	the	the	DET
fbem-14089	18	15	business	business	NOUN
fbem-14089	18	16	scope	scope	NOUN
fbem-14089	18	17	of	of	ADP
fbem-14089	18	18	commercial	commercial	ADJ
fbem-14089	18	19	banks	bank	NOUN
fbem-14089	18	20	,	,	PUNCT
fbem-14089	18	21	which	which	PRON
fbem-14089	18	22	has	have	VERB
fbem-14089	18	23	a	a	DET
fbem-14089	18	24	certain	certain	ADJ
fbem-14089	18	25	impact	impact	NOUN
fbem-14089	18	26	on	on	ADP
fbem-14089	18	27	the	the	DET
fbem-14089	18	28	business	business	NOUN
fbem-14089	18	29	operations	operation	NOUN
fbem-14089	18	30	of	of	ADP
fbem-14089	18	31	commercial	commercial	ADJ
fbem-14089	18	32	banks	bank	NOUN
fbem-14089	18	33	.	.	PUNCT
fbem-14089	19	1	at	at	ADP
fbem-14089	19	2	present	present	ADJ
fbem-14089	19	3	,	,	PUNCT
fbem-14089	19	4	traditional	traditional	ADJ
fbem-14089	19	5	bank	bank	NOUN
fbem-14089	19	6	counter	counter	NOUN
fbem-14089	19	7	payments	payment	NOUN
fbem-14089	19	8	and	and	CCONJ
fbem-14089	19	9	offline	offline	ADJ
fbem-14089	19	10	payments	payment	NOUN
fbem-14089	19	11	are	be	AUX
fbem-14089	19	12	gradually	gradually	ADV
fbem-14089	19	13	being	be	AUX
fbem-14089	19	14	replaced	replace	VERB
fbem-14089	19	15	by	by	ADP
fbem-14089	19	16	diversified	diversified	ADJ
fbem-14089	19	17	thirdparty	thirdparty	NOUN
fbem-14089	19	18	payments	payment	NOUN
fbem-14089	19	19	.	.	PUNCT
fbem-14089	20	1	for	for	ADP
fbem-14089	20	2	this	this	DET
fbem-14089	20	3	reason	reason	NOUN
fbem-14089	20	4	,	,	PUNCT
fbem-14089	20	5	commercial	commercial	ADJ
fbem-14089	20	6	banks	bank	NOUN
fbem-14089	20	7	need	need	VERB
fbem-14089	20	8	to	to	PART
fbem-14089	20	9	take	take	VERB
fbem-14089	20	10	certain	certain	ADJ
fbem-14089	20	11	measures	measure	NOUN
fbem-14089	20	12	to	to	PART
fbem-14089	20	13	improve	improve	VERB
fbem-14089	20	14	their	their	PRON
fbem-14089	20	15	development	development	NOUN
fbem-14089	20	16	.	.	PUNCT
fbem-14089	21	1	in	in	ADP
fbem-14089	21	2	addition	addition	NOUN
fbem-14089	21	3	,	,	PUNCT
fbem-14089	21	4	there	there	PRON
fbem-14089	21	5	are	be	VERB
fbem-14089	21	6	some	some	DET
fbem-14089	21	7	other	other	ADJ
fbem-14089	21	8	problems	problem	NOUN
fbem-14089	21	9	:	:	PUNCT
fbem-14089	21	10	how	how	SCONJ
fbem-14089	21	11	can	can	AUX
fbem-14089	21	12	commercial	commercial	ADJ
fbem-14089	21	13	banks	bank	NOUN
fbem-14089	21	14	better	well	ADV
fbem-14089	21	15	deal	deal	VERB
fbem-14089	21	16	with	with	ADP
fbem-14089	21	17	the	the	DET
fbem-14089	21	18	cooperation	cooperation	NOUN
fbem-14089	21	19	and	and	CCONJ
fbem-14089	21	20	competition	competition	NOUN
fbem-14089	21	21	with	with	ADP
fbem-14089	21	22	third	third	ADJ
fbem-14089	21	23	-	-	PUNCT
fbem-14089	21	24	party	party	NOUN
fbem-14089	21	25	payment	payment	NOUN
fbem-14089	21	26	institutions	institution	NOUN
fbem-14089	21	27	,	,	PUNCT
fbem-14089	21	28	and	and	CCONJ
fbem-14089	21	29	how	how	SCONJ
fbem-14089	21	30	to	to	PART
fbem-14089	21	31	deal	deal	VERB
fbem-14089	21	32	with	with	ADP
fbem-14089	21	33	seeking	seek	VERB
fbem-14089	21	34	new	new	ADJ
fbem-14089	21	35	breakthroughs	breakthrough	NOUN
fbem-14089	21	36	in	in	ADP
fbem-14089	21	37	the	the	DET
fbem-14089	21	38	development	development	NOUN
fbem-14089	21	39	situation	situation	NOUN
fbem-14089	21	40	that	that	PRON
fbem-14089	21	41	goes	go	VERB
fbem-14089	21	42	hand	hand	NOUN
fbem-14089	21	43	in	in	ADP
fbem-14089	21	44	hand	hand	NOUN
fbem-14089	21	45	with	with	ADP
fbem-14089	21	46	this	this	DET
fbem-14089	21	47	kind	kind	NOUN
fbem-14089	21	48	of	of	ADP
fbem-14089	21	49	internet	internet	NOUN
fbem-14089	21	50	finance	finance	NOUN
fbem-14089	21	51	and	and	CCONJ
fbem-14089	21	52	traditional	traditional	ADJ
fbem-14089	21	53	commercial	commercial	ADJ
fbem-14089	21	54	banks	bank	NOUN
fbem-14089	21	55	?	?	PUNCT
fbem-14089	22	1	this	this	DET
fbem-14089	22	2	paper	paper	NOUN
fbem-14089	22	3	mainly	mainly	ADV
fbem-14089	22	4	analyses	analyse	VERB
fbem-14089	22	5	and	and	CCONJ
fbem-14089	22	6	summarizes	summarize	VERB
fbem-14089	22	7	the	the	DET
fbem-14089	22	8	impact	impact	NOUN
fbem-14089	22	9	of	of	ADP
fbem-14089	22	10	the	the	DET
fbem-14089	22	11	rapid	rapid	ADJ
fbem-14089	22	12	development	development	NOUN
fbem-14089	22	13	of	of	ADP
fbem-14089	22	14	thirdparty	thirdparty	NOUN
fbem-14089	22	15	payments	payment	NOUN
fbem-14089	22	16	on	on	ADP
fbem-14089	22	17	the	the	DET
fbem-14089	22	18	business	business	NOUN
fbem-14089	22	19	operations	operation	NOUN
fbem-14089	22	20	of	of	ADP
fbem-14089	22	21	commercial	commercial	ADJ
fbem-14089	22	22	banks	bank	NOUN
fbem-14089	22	23	as	as	ADV
fbem-14089	22	24	well	well	ADV
fbem-14089	22	25	as	as	ADP
fbem-14089	22	26	identifies	identify	VERB
fbem-14089	22	27	the	the	DET
fbem-14089	22	28	main	main	ADJ
fbem-14089	22	29	reasons	reason	NOUN
fbem-14089	22	30	for	for	ADP
fbem-14089	22	31	the	the	DET
fbem-14089	22	32	key	key	ADJ
fbem-14089	22	33	analysis	analysis	NOUN
fbem-14089	22	34	and	and	CCONJ
fbem-14089	22	35	proposes	propose	VERB
fbem-14089	22	36	solutions	solution	NOUN
fbem-14089	22	37	.	.	PUNCT
fbem-14089	23	1	2	2	X
fbem-14089	23	2	.	.	X
fbem-14089	23	3	literature	literature	NOUN
fbem-14089	23	4	review	review	PROPN
fbem-14089	23	5	since	since	SCONJ
fbem-14089	23	6	the	the	DET
fbem-14089	23	7	concept	concept	NOUN
fbem-14089	23	8	of	of	ADP
fbem-14089	23	9	internet	internet	NOUN
fbem-14089	23	10	finance	finance	NOUN
fbem-14089	23	11	was	be	AUX
fbem-14089	23	12	only	only	ADV
fbem-14089	23	13	proposed	propose	VERB
fbem-14089	23	14	in	in	ADP
fbem-14089	23	15	2012	2012	NUM
fbem-14089	23	16	,	,	PUNCT
fbem-14089	23	17	domestic	domestic	ADJ
fbem-14089	23	18	researchers	researcher	NOUN
fbem-14089	23	19	and	and	CCONJ
fbem-14089	23	20	experts	expert	NOUN
fbem-14089	23	21	and	and	CCONJ
fbem-14089	23	22	scholars	scholar	NOUN
fbem-14089	23	23	have	have	AUX
fbem-14089	23	24	not	not	PART
fbem-14089	23	25	been	be	AUX
fbem-14089	23	26	able	able	ADJ
fbem-14089	23	27	to	to	PART
fbem-14089	23	28	define	define	VERB
fbem-14089	23	29	the	the	DET
fbem-14089	23	30	concepts	concept	NOUN
fbem-14089	23	31	related	relate	VERB
fbem-14089	23	32	to	to	ADP
fbem-14089	23	33	third	third	ADJ
fbem-14089	23	34	-	-	PUNCT
fbem-14089	23	35	party	party	NOUN
fbem-14089	23	36	payment	payment	NOUN
fbem-14089	23	37	in	in	ADP
fbem-14089	23	38	a	a	DET
fbem-14089	23	39	uniform	uniform	ADJ
fbem-14089	23	40	standard	standard	NOUN
fbem-14089	23	41	.	.	PUNCT
fbem-14089	24	1	in	in	ADP
fbem-14089	24	2	order	order	NOUN
fbem-14089	24	3	to	to	PART
fbem-14089	24	4	ensure	ensure	VERB
fbem-14089	24	5	the	the	DET
fbem-14089	24	6	rigour	rigour	NOUN
fbem-14089	24	7	and	and	CCONJ
fbem-14089	24	8	reasonableness	reasonableness	NOUN
fbem-14089	24	9	of	of	ADP
fbem-14089	24	10	this	this	DET
fbem-14089	24	11	thesis	thesis	NOUN
fbem-14089	24	12	,	,	PUNCT
fbem-14089	24	13	this	this	DET
fbem-14089	24	14	paper	paper	NOUN
fbem-14089	24	15	firstly	firstly	ADV
fbem-14089	24	16	gives	give	VERB
fbem-14089	24	17	a	a	DET
fbem-14089	24	18	basic	basic	ADJ
fbem-14089	24	19	definition	definition	NOUN
fbem-14089	24	20	of	of	ADP
fbem-14089	24	21	third	third	ADJ
fbem-14089	24	22	-	-	PUNCT
fbem-14089	24	23	party	party	NOUN
fbem-14089	24	24	payment	payment	NOUN
fbem-14089	24	25	,	,	PUNCT
fbem-14089	24	26	which	which	PRON
fbem-14089	24	27	is	be	AUX
fbem-14089	24	28	used	use	VERB
fbem-14089	24	29	to	to	PART
fbem-14089	24	30	determine	determine	VERB
fbem-14089	24	31	the	the	DET
fbem-14089	24	32	scope	scope	NOUN
fbem-14089	24	33	of	of	ADP
fbem-14089	24	34	the	the	DET
fbem-14089	24	35	research	research	NOUN
fbem-14089	24	36	topic	topic	NOUN
fbem-14089	24	37	.	.	PUNCT
fbem-14089	25	1	huo	huo	PROPN
fbem-14089	25	2	hong	hong	PROPN
fbem-14089	25	3	,	,	PUNCT
fbem-14089	25	4	wei	wei	PROPN
fbem-14089	25	5	yu	yu	PROPN
fbem-14089	25	6	and	and	CCONJ
fbem-14089	25	7	xin	xin	PROPN
fbem-14089	25	8	shen	shen	PROPN
fbem-14089	25	9	(	(	PUNCT
fbem-14089	25	10	2011	2011	NUM
fbem-14089	25	11	)	)	PUNCT
fbem-14089	25	12	,	,	PUNCT
fbem-14089	25	13	with	with	ADP
fbem-14089	25	14	reference	reference	NOUN
fbem-14089	25	15	to	to	ADP
fbem-14089	25	16	others	other	NOUN
fbem-14089	25	17	defining	define	VERB
fbem-14089	25	18	third	third	ADJ
fbem-14089	25	19	-	-	PUNCT
fbem-14089	25	20	party	party	NOUN
fbem-14089	25	21	payments	payment	NOUN
fbem-14089	25	22	,	,	PUNCT
fbem-14089	25	23	state	state	NOUN
fbem-14089	25	24	that	that	SCONJ
fbem-14089	25	25	third	third	ADJ
fbem-14089	25	26	-	-	PUNCT
fbem-14089	25	27	party	party	NOUN
fbem-14089	25	28	online	online	ADJ
fbem-14089	25	29	payment	payment	NOUN
fbem-14089	25	30	uses	use	VERB
fbem-14089	25	31	third	third	ADJ
fbem-14089	25	32	-	-	PUNCT
fbem-14089	25	33	party	party	NOUN
fbem-14089	25	34	payment	payment	NOUN
fbem-14089	25	35	companies	company	NOUN
fbem-14089	25	36	as	as	ADP
fbem-14089	25	37	credit	credit	NOUN
fbem-14089	25	38	intermediaries	intermediary	NOUN
fbem-14089	25	39	and	and	CCONJ
fbem-14089	25	40	non	non	ADJ
fbem-14089	25	41	-	-	ADJ
fbem-14089	25	42	banking	banking	ADJ
fbem-14089	25	43	institutions	institution	NOUN
fbem-14089	25	44	.	.	PUNCT
fbem-14089	26	1	it	it	PRON
fbem-14089	26	2	uses	use	VERB
fbem-14089	26	3	internet	internet	NOUN
fbem-14089	26	4	technology	technology	NOUN
fbem-14089	26	5	to	to	PART
fbem-14089	26	6	enter	enter	VERB
fbem-14089	26	7	into	into	ADP
fbem-14089	26	8	agreements	agreement	NOUN
fbem-14089	26	9	with	with	ADP
fbem-14089	26	10	commercial	commercial	ADJ
fbem-14089	26	11	banks	bank	NOUN
fbem-14089	26	12	to	to	PART
fbem-14089	26	13	exchange	exchange	VERB
fbem-14089	26	14	data	datum	NOUN
fbem-14089	26	15	,	,	PUNCT
fbem-14089	26	16	confirm	confirm	VERB
fbem-14089	26	17	information	information	NOUN
fbem-14089	26	18	and	and	CCONJ
fbem-14089	26	19	establish	establish	VERB
fbem-14089	26	20	payment	payment	NOUN
fbem-14089	26	21	mechanisms	mechanism	NOUN
fbem-14089	26	22	between	between	ADP
fbem-14089	26	23	recipients	recipient	NOUN
fbem-14089	26	24	and	and	CCONJ
fbem-14089	26	25	payers.ning	payers.ne	VERB
fbem-14089	26	26	chen	chen	PROPN
fbem-14089	26	27	(	(	PUNCT
fbem-14089	26	28	2014	2014	NUM
fbem-14089	26	29	)	)	PUNCT
fbem-14089	26	30	argues	argue	VERB
fbem-14089	26	31	that	that	SCONJ
fbem-14089	26	32	third	third	ADJ
fbem-14089	26	33	party	party	NOUN
fbem-14089	26	34	payments	payment	NOUN
fbem-14089	26	35	are	be	AUX
fbem-14089	26	36	independent	independent	ADJ
fbem-14089	26	37	,	,	PUNCT
fbem-14089	26	38	reputable	reputable	ADJ
fbem-14089	26	39	and	and	CCONJ
fbem-14089	26	40	have	have	VERB
fbem-14089	26	41	certain	certain	ADJ
fbem-14089	26	42	advantages	advantage	NOUN
fbem-14089	26	43	.	.	PUNCT
fbem-14089	27	1	it	it	PRON
fbem-14089	27	2	acts	act	VERB
fbem-14089	27	3	as	as	ADP
fbem-14089	27	4	a	a	DET
fbem-14089	27	5	neutral	neutral	ADJ
fbem-14089	27	6	platform	platform	NOUN
fbem-14089	27	7	between	between	ADP
fbem-14089	27	8	e	e	NOUN
fbem-14089	27	9	-	-	NOUN
fbem-14089	27	10	commerce	commerce	NOUN
fbem-14089	27	11	companies	company	NOUN
fbem-14089	27	12	and	and	CCONJ
fbem-14089	27	13	banks	bank	NOUN
fbem-14089	27	14	,	,	PUNCT
fbem-14089	27	15	transfers	transfer	NOUN
fbem-14089	27	16	funds	fund	NOUN
fbem-14089	27	17	and	and	CCONJ
fbem-14089	27	18	provides	provide	VERB
fbem-14089	27	19	online	online	ADJ
fbem-14089	27	20	shopping	shopping	NOUN
fbem-14089	27	21	services	service	NOUN
fbem-14089	27	22	and	and	CCONJ
fbem-14089	27	23	has	have	VERB
fbem-14089	27	24	a	a	DET
fbem-14089	27	25	contract	contract	NOUN
fbem-14089	27	26	with	with	ADP
fbem-14089	27	27	banks	bank	NOUN
fbem-14089	27	28	.	.	PUNCT
fbem-14089	28	1	third	third	ADJ
fbem-14089	28	2	party	party	PROPN
fbem-14089	28	3	payment	payment	NOUN
fbem-14089	28	4	transactions	transaction	NOUN
fbem-14089	28	5	are	be	AUX
fbem-14089	28	6	conducted	conduct	VERB
fbem-14089	28	7	in	in	ADP
fbem-14089	28	8	this	this	DET
fbem-14089	28	9	way	way	NOUN
fbem-14089	28	10	:	:	PUNCT
fbem-14089	28	11	the	the	DET
fbem-14089	28	12	third	third	ADJ
fbem-14089	28	13	party	party	NOUN
fbem-14089	28	14	payment	payment	NOUN
fbem-14089	28	15	platform	platform	NOUN
fbem-14089	28	16	will	will	AUX
fbem-14089	28	17	notify	notify	VERB
fbem-14089	28	18	the	the	DET
fbem-14089	28	19	trader	trader	NOUN
fbem-14089	28	20	to	to	PART
fbem-14089	28	21	send	send	VERB
fbem-14089	28	22	the	the	DET
fbem-14089	28	23	item	item	NOUN
fbem-14089	28	24	selected	select	VERB
fbem-14089	28	25	by	by	ADP
fbem-14089	28	26	the	the	DET
fbem-14089	28	27	buyer	buyer	NOUN
fbem-14089	28	28	without	without	ADP
fbem-14089	28	29	payment	payment	NOUN
fbem-14089	28	30	until	until	SCONJ
fbem-14089	28	31	the	the	DET
fbem-14089	28	32	buyer	buyer	NOUN
fbem-14089	28	33	notifies	notify	VERB
fbem-14089	28	34	the	the	DET
fbem-14089	28	35	third	third	ADJ
fbem-14089	28	36	party	party	NOUN
fbem-14089	28	37	to	to	PART
fbem-14089	28	38	pay	pay	VERB
fbem-14089	28	39	the	the	DET
fbem-14089	28	40	bill	bill	NOUN
fbem-14089	28	41	upon	upon	SCONJ
fbem-14089	28	42	receipt	receipt	NOUN
fbem-14089	28	43	of	of	ADP
fbem-14089	28	44	the	the	DET
fbem-14089	28	45	goods.danj	goods.danj	NOUN
fbem-14089	28	46	.	.	PUNCT
fbem-14089	29	1	kim	kim	PROPN
fbem-14089	29	2	(	(	PUNCT
fbem-14089	29	3	2005	2005	NUM
fbem-14089	29	4	)	)	PUNCT
fbem-14089	29	5	mentioned	mention	VERB
fbem-14089	29	6	in	in	ADP
fbem-14089	29	7	his	his	PRON
fbem-14089	29	8	article	article	NOUN
fbem-14089	29	9	that	that	SCONJ
fbem-14089	29	10	the	the	DET
fbem-14089	29	11	transaction	transaction	NOUN
fbem-14089	29	12	is	be	AUX
fbem-14089	29	13	only	only	ADV
fbem-14089	29	14	concluded	conclude	VERB
fbem-14089	29	15	when	when	SCONJ
fbem-14089	29	16	the	the	DET
fbem-14089	29	17	buyer	buyer	NOUN
fbem-14089	29	18	receives	receive	VERB
fbem-14089	29	19	the	the	DET
fbem-14089	29	20	goods	good	NOUN
fbem-14089	29	21	,	,	PUNCT
fbem-14089	29	22	until	until	ADP
fbem-14089	29	23	then	then	ADV
fbem-14089	29	24	the	the	DET
fbem-14089	29	25	funds	fund	NOUN
fbem-14089	29	26	of	of	ADP
fbem-14089	29	27	the	the	DET
fbem-14089	29	28	transaction	transaction	NOUN
fbem-14089	29	29	will	will	AUX
fbem-14089	29	30	be	be	AUX
fbem-14089	29	31	used	use	VERB
fbem-14089	29	32	as	as	ADP
fbem-14089	29	33	security	security	NOUN
fbem-14089	29	34	deposit	deposit	NOUN
fbem-14089	29	35	and	and	CCONJ
fbem-14089	29	36	will	will	AUX
fbem-14089	29	37	not	not	PART
fbem-14089	29	38	be	be	AUX
fbem-14089	29	39	given	give	VERB
fbem-14089	29	40	to	to	ADP
fbem-14089	29	41	the	the	DET
fbem-14089	29	42	seller	seller	NOUN
fbem-14089	29	43	,	,	PUNCT
fbem-14089	29	44	in	in	ADP
fbem-14089	29	45	order	order	NOUN
fbem-14089	29	46	to	to	PART
fbem-14089	29	47	build	build	VERB
fbem-14089	29	48	trust	trust	NOUN
fbem-14089	29	49	between	between	ADP
fbem-14089	29	50	the	the	DET
fbem-14089	29	51	consumer	consumer	NOUN
fbem-14089	29	52	trust	trust	NOUN
fbem-14089	29	53	between	between	ADP
fbem-14089	29	54	the	the	DET
fbem-14089	29	55	consumer	consumer	NOUN
fbem-14089	29	56	and	and	CCONJ
fbem-14089	29	57	the	the	DET
fbem-14089	29	58	shopping	shopping	NOUN
fbem-14089	29	59	platform	platform	NOUN
fbem-14089	29	60	,	,	PUNCT
fbem-14089	29	61	which	which	PRON
fbem-14089	29	62	is	be	AUX
fbem-14089	29	63	the	the	DET
fbem-14089	29	64	third	third	ADJ
fbem-14089	29	65	party	party	NOUN
fbem-14089	29	66	payment	payment	NOUN
fbem-14089	29	67	as	as	ADP
fbem-14089	29	68	an	an	DET
fbem-14089	29	69	intermediary	intermediary	ADJ
fbem-14089	29	70	platform	platform	NOUN
fbem-14089	29	71	.	.	PUNCT
fbem-14089	30	1	179	179	NUM
fbem-14089	30	2	the	the	DET
fbem-14089	30	3	domestic	domestic	ADJ
fbem-14089	30	4	literature	literature	NOUN
fbem-14089	30	5	on	on	ADP
fbem-14089	30	6	third	third	ADJ
fbem-14089	30	7	-	-	PUNCT
fbem-14089	30	8	party	party	NOUN
fbem-14089	30	9	payment	payment	NOUN
fbem-14089	30	10	also	also	ADV
fbem-14089	30	11	gives	give	VERB
fbem-14089	30	12	a	a	DET
fbem-14089	30	13	similar	similar	ADJ
fbem-14089	30	14	definition	definition	NOUN
fbem-14089	30	15	.	.	PUNCT
fbem-14089	31	1	xue	xue	PROPN
fbem-14089	31	2	yuyan	yuyan	PROPN
fbem-14089	31	3	,	,	PUNCT
fbem-14089	31	4	ban	ban	NOUN
fbem-14089	31	5	jingjing	jingjing	NOUN
fbem-14089	31	6	and	and	CCONJ
fbem-14089	31	7	dou	dou	PROPN
fbem-14089	31	8	zhaowen	zhaowen	NOUN
fbem-14089	31	9	(	(	PUNCT
fbem-14089	31	10	2015	2015	NUM
fbem-14089	31	11	)	)	PUNCT
fbem-14089	31	12	pointed	point	VERB
fbem-14089	31	13	out	out	ADP
fbem-14089	31	14	that	that	SCONJ
fbem-14089	31	15	the	the	DET
fbem-14089	31	16	so	so	ADV
fbem-14089	31	17	-	-	PUNCT
fbem-14089	31	18	called	call	VERB
fbem-14089	31	19	third	third	ADJ
fbem-14089	31	20	-	-	PUNCT
fbem-14089	31	21	party	party	NOUN
fbem-14089	31	22	payment	payment	NOUN
fbem-14089	31	23	is	be	AUX
fbem-14089	31	24	an	an	DET
fbem-14089	31	25	online	online	ADJ
fbem-14089	31	26	payment	payment	NOUN
fbem-14089	31	27	mode	mode	NOUN
fbem-14089	31	28	,	,	PUNCT
fbem-14089	31	29	which	which	PRON
fbem-14089	31	30	is	be	AUX
fbem-14089	31	31	contracted	contract	VERB
fbem-14089	31	32	with	with	ADP
fbem-14089	31	33	a	a	DET
fbem-14089	31	34	bank	bank	NOUN
fbem-14089	31	35	with	with	ADP
fbem-14089	31	36	a	a	DET
fbem-14089	31	37	credit	credit	NOUN
fbem-14089	31	38	guarantee	guarantee	NOUN
fbem-14089	31	39	and	and	CCONJ
fbem-14089	31	40	a	a	DET
fbem-14089	31	41	certain	certain	ADJ
fbem-14089	31	42	strength	strength	NOUN
fbem-14089	31	43	to	to	PART
fbem-14089	31	44	provide	provide	VERB
fbem-14089	31	45	a	a	DET
fbem-14089	31	46	trading	trading	NOUN
fbem-14089	31	47	platform	platform	NOUN
fbem-14089	31	48	for	for	ADP
fbem-14089	31	49	customers	customer	NOUN
fbem-14089	31	50	and	and	CCONJ
fbem-14089	31	51	banks	bank	NOUN
fbem-14089	31	52	.	.	PUNCT
fbem-14089	32	1	the	the	DET
fbem-14089	32	2	socalled	socalled	ADJ
fbem-14089	32	3	online	online	ADJ
fbem-14089	32	4	banking	banking	NOUN
fbem-14089	32	5	is	be	AUX
fbem-14089	32	6	a	a	DET
fbem-14089	32	7	network	network	NOUN
fbem-14089	32	8	payment	payment	NOUN
fbem-14089	32	9	mode	mode	NOUN
fbem-14089	32	10	in	in	ADP
fbem-14089	32	11	which	which	PRON
fbem-14089	32	12	traditional	traditional	ADJ
fbem-14089	32	13	commercial	commercial	ADJ
fbem-14089	32	14	banks	bank	NOUN
fbem-14089	32	15	expand	expand	VERB
fbem-14089	32	16	their	their	PRON
fbem-14089	32	17	business	business	NOUN
fbem-14089	32	18	from	from	ADP
fbem-14089	32	19	offline	offline	NOUN
fbem-14089	32	20	to	to	PART
fbem-14089	32	21	online	online	VERB
fbem-14089	32	22	on	on	ADP
fbem-14089	32	23	their	their	PRON
fbem-14089	32	24	own	own	ADJ
fbem-14089	32	25	basis	basis	NOUN
fbem-14089	32	26	to	to	PART
fbem-14089	32	27	provide	provide	VERB
fbem-14089	32	28	services	service	NOUN
fbem-14089	32	29	for	for	ADP
fbem-14089	32	30	individuals	individual	NOUN
fbem-14089	32	31	and	and	CCONJ
fbem-14089	32	32	enterprises	enterprise	NOUN
fbem-14089	32	33	.	.	PUNCT
fbem-14089	33	1	according	accord	VERB
fbem-14089	33	2	to	to	ADP
fbem-14089	33	3	yang	yang	PROPN
fbem-14089	33	4	shuai	shuai	PROPN
fbem-14089	33	5	(	(	PUNCT
fbem-14089	33	6	2010	2010	NUM
fbem-14089	33	7	)	)	PUNCT
fbem-14089	33	8	,	,	PUNCT
fbem-14089	33	9	third	third	ADJ
fbem-14089	33	10	-	-	PUNCT
fbem-14089	33	11	party	party	NOUN
fbem-14089	33	12	payment	payment	NOUN
fbem-14089	33	13	refers	refer	VERB
fbem-14089	33	14	to	to	ADP
fbem-14089	33	15	a	a	DET
fbem-14089	33	16	company	company	NOUN
fbem-14089	33	17	that	that	PRON
fbem-14089	33	18	establishes	establish	VERB
fbem-14089	33	19	a	a	DET
fbem-14089	33	20	neutral	neutral	ADJ
fbem-14089	33	21	platform	platform	NOUN
fbem-14089	33	22	between	between	ADP
fbem-14089	33	23	banks	bank	NOUN
fbem-14089	33	24	and	and	CCONJ
fbem-14089	33	25	e	e	NOUN
fbem-14089	33	26	-	-	NOUN
fbem-14089	33	27	commerce	commerce	NOUN
fbem-14089	33	28	companies	company	NOUN
fbem-14089	33	29	to	to	PART
fbem-14089	33	30	provide	provide	VERB
fbem-14089	33	31	services	service	NOUN
fbem-14089	33	32	and	and	CCONJ
fbem-14089	33	33	transfer	transfer	VERB
fbem-14089	33	34	funds	fund	NOUN
fbem-14089	33	35	for	for	ADP
fbem-14089	33	36	both	both	DET
fbem-14089	33	37	parties	party	NOUN
fbem-14089	33	38	.	.	PUNCT
fbem-14089	34	1	internet	internet	NOUN
fbem-14089	34	2	banking	banking	NOUN
fbem-14089	34	3	refers	refer	VERB
fbem-14089	34	4	to	to	ADP
fbem-14089	34	5	a	a	DET
fbem-14089	34	6	new	new	ADJ
fbem-14089	34	7	type	type	NOUN
fbem-14089	34	8	of	of	ADP
fbem-14089	34	9	bank	bank	NOUN
fbem-14089	34	10	that	that	PRON
fbem-14089	34	11	uses	use	VERB
fbem-14089	34	12	internet	internet	NOUN
fbem-14089	34	13	technology	technology	NOUN
fbem-14089	34	14	to	to	PART
fbem-14089	34	15	process	process	VERB
fbem-14089	34	16	traditional	traditional	ADJ
fbem-14089	34	17	banking	banking	NOUN
fbem-14089	34	18	services	service	NOUN
fbem-14089	34	19	and	and	CCONJ
fbem-14089	34	20	implement	implement	VERB
fbem-14089	34	21	intermediary	intermediary	ADJ
fbem-14089	34	22	services	service	NOUN
fbem-14089	34	23	such	such	ADJ
fbem-14089	34	24	as	as	ADP
fbem-14089	34	25	online	online	ADJ
fbem-14089	34	26	payment	payment	NOUN
fbem-14089	34	27	.	.	PUNCT
fbem-14089	35	1	according	accord	VERB
fbem-14089	35	2	to	to	ADP
fbem-14089	35	3	the	the	DET
fbem-14089	35	4	measures	measure	NOUN
fbem-14089	35	5	for	for	ADP
fbem-14089	35	6	the	the	DET
fbem-14089	35	7	administration	administration	NOUN
fbem-14089	35	8	of	of	ADP
fbem-14089	35	9	payment	payment	NOUN
fbem-14089	35	10	services	service	NOUN
fbem-14089	35	11	of	of	ADP
fbem-14089	35	12	non	non	ADJ
fbem-14089	35	13	-	-	ADJ
fbem-14089	35	14	financial	financial	ADJ
fbem-14089	35	15	institutions	institution	NOUN
fbem-14089	35	16	issued	issue	VERB
fbem-14089	35	17	by	by	ADP
fbem-14089	35	18	the	the	DET
fbem-14089	35	19	people	people	NOUN
fbem-14089	35	20	's	's	PART
fbem-14089	35	21	bank	bank	PROPN
fbem-14089	35	22	of	of	ADP
fbem-14089	35	23	china	china	PROPN
fbem-14089	35	24	(	(	PUNCT
fbem-14089	35	25	pboc	pboc	NOUN
fbem-14089	35	26	)	)	PUNCT
fbem-14089	35	27	in	in	ADP
fbem-14089	35	28	2010	2010	NUM
fbem-14089	35	29	,	,	PUNCT
fbem-14089	35	30	third	third	ADJ
fbem-14089	35	31	-	-	PUNCT
fbem-14089	35	32	party	party	NOUN
fbem-14089	35	33	payment	payment	NOUN
fbem-14089	35	34	refers	refer	VERB
fbem-14089	35	35	to	to	ADP
fbem-14089	35	36	the	the	DET
fbem-14089	35	37	monetary	monetary	ADJ
fbem-14089	35	38	fund	fund	NOUN
fbem-14089	35	39	transfer	transfer	NOUN
fbem-14089	35	40	services	service	NOUN
fbem-14089	35	41	provided	provide	VERB
fbem-14089	35	42	by	by	ADP
fbem-14089	35	43	non	non	ADJ
fbem-14089	35	44	-	-	ADJ
fbem-14089	35	45	financial	financial	ADJ
fbem-14089	35	46	institutions	institution	NOUN
fbem-14089	35	47	as	as	ADP
fbem-14089	35	48	intermediaries	intermediary	NOUN
fbem-14089	35	49	of	of	ADP
fbem-14089	35	50	payees	payee	NOUN
fbem-14089	35	51	and	and	CCONJ
fbem-14089	35	52	payers	payer	NOUN
fbem-14089	35	53	,	,	PUNCT
fbem-14089	35	54	and	and	CCONJ
fbem-14089	35	55	the	the	DET
fbem-14089	35	56	types	type	NOUN
fbem-14089	35	57	of	of	ADP
fbem-14089	35	58	services	service	NOUN
fbem-14089	35	59	mainly	mainly	ADV
fbem-14089	35	60	include	include	VERB
fbem-14089	35	61	online	online	ADJ
fbem-14089	35	62	payment	payment	NOUN
fbem-14089	35	63	,	,	PUNCT
fbem-14089	35	64	issuance	issuance	NOUN
fbem-14089	35	65	and	and	CCONJ
fbem-14089	35	66	acceptance	acceptance	NOUN
fbem-14089	35	67	of	of	ADP
fbem-14089	35	68	prepaid	prepaid	ADJ
fbem-14089	35	69	cards	card	NOUN
fbem-14089	35	70	,	,	PUNCT
fbem-14089	35	71	and	and	CCONJ
fbem-14089	35	72	bank	bank	NOUN
fbem-14089	35	73	card	card	NOUN
fbem-14089	35	74	acquiring	acquiring	NOUN
fbem-14089	35	75	.	.	PUNCT
fbem-14089	36	1	it	it	PRON
fbem-14089	36	2	can	can	AUX
fbem-14089	36	3	be	be	AUX
fbem-14089	36	4	seen	see	VERB
fbem-14089	36	5	that	that	SCONJ
fbem-14089	36	6	the	the	DET
fbem-14089	36	7	definition	definition	NOUN
fbem-14089	36	8	of	of	ADP
fbem-14089	36	9	third	third	ADJ
fbem-14089	36	10	-	-	PUNCT
fbem-14089	36	11	party	party	NOUN
fbem-14089	36	12	payment	payment	NOUN
fbem-14089	36	13	at	at	ADP
fbem-14089	36	14	home	home	NOUN
fbem-14089	36	15	and	and	CCONJ
fbem-14089	36	16	abroad	abroad	ADV
fbem-14089	36	17	is	be	AUX
fbem-14089	36	18	basically	basically	ADV
fbem-14089	36	19	the	the	DET
fbem-14089	36	20	same	same	ADJ
fbem-14089	36	21	.	.	PUNCT
fbem-14089	37	1	that	that	PRON
fbem-14089	37	2	is	be	AUX
fbem-14089	37	3	,	,	PUNCT
fbem-14089	37	4	it	it	PRON
fbem-14089	37	5	signs	sign	VERB
fbem-14089	37	6	an	an	DET
fbem-14089	37	7	agreement	agreement	NOUN
fbem-14089	37	8	with	with	ADP
fbem-14089	37	9	a	a	DET
fbem-14089	37	10	bank	bank	NOUN
fbem-14089	37	11	to	to	PART
fbem-14089	37	12	build	build	VERB
fbem-14089	37	13	an	an	DET
fbem-14089	37	14	intermediary	intermediary	ADJ
fbem-14089	37	15	platform	platform	NOUN
fbem-14089	37	16	between	between	ADP
fbem-14089	37	17	the	the	DET
fbem-14089	37	18	two	two	NUM
fbem-14089	37	19	parties	party	NOUN
fbem-14089	37	20	to	to	ADP
fbem-14089	37	21	a	a	DET
fbem-14089	37	22	transaction	transaction	NOUN
fbem-14089	37	23	,	,	PUNCT
fbem-14089	37	24	provides	provide	VERB
fbem-14089	37	25	a	a	DET
fbem-14089	37	26	credit	credit	NOUN
fbem-14089	37	27	guarantee	guarantee	NOUN
fbem-14089	37	28	and	and	CCONJ
fbem-14089	37	29	improves	improve	VERB
fbem-14089	37	30	the	the	DET
fbem-14089	37	31	efficiency	efficiency	NOUN
fbem-14089	37	32	of	of	ADP
fbem-14089	37	33	payment	payment	NOUN
fbem-14089	37	34	.	.	PUNCT
fbem-14089	38	1	3	3	X
fbem-14089	38	2	.	.	X
fbem-14089	38	3	third	third	ADJ
fbem-14089	38	4	-	-	PUNCT
fbem-14089	38	5	party	party	NOUN
fbem-14089	38	6	payment	payment	NOUN
fbem-14089	38	7	development	development	NOUN
fbem-14089	38	8	status	status	NOUN
fbem-14089	38	9	third	third	ADJ
fbem-14089	38	10	-	-	PUNCT
fbem-14089	38	11	party	party	NOUN
fbem-14089	38	12	online	online	ADJ
fbem-14089	38	13	payment	payment	NOUN
fbem-14089	38	14	began	begin	VERB
fbem-14089	38	15	in	in	ADP
fbem-14089	38	16	1998	1998	NUM
fbem-14089	38	17	,	,	PUNCT
fbem-14089	38	18	paypal	paypal	PROPN
fbem-14089	38	19	developed	develop	VERB
fbem-14089	38	20	a	a	DET
fbem-14089	38	21	transaction	transaction	NOUN
fbem-14089	38	22	platform	platform	NOUN
fbem-14089	38	23	mainly	mainly	ADV
fbem-14089	38	24	for	for	ADP
fbem-14089	38	25	ebay	ebay	ADJ
fbem-14089	38	26	ecommerce	ecommerce	NOUN
fbem-14089	38	27	platform	platform	NOUN
fbem-14089	38	28	launched	launch	VERB
fbem-14089	38	29	payment	payment	NOUN
fbem-14089	38	30	transaction	transaction	NOUN
fbem-14089	38	31	platform	platform	NOUN
fbem-14089	38	32	.	.	PUNCT
fbem-14089	39	1	with	with	ADP
fbem-14089	39	2	ebay	ebay	PROPN
fbem-14089	39	3	's	's	PART
fbem-14089	39	4	entry	entry	NOUN
fbem-14089	39	5	into	into	ADP
fbem-14089	39	6	the	the	DET
fbem-14089	39	7	chinese	chinese	ADJ
fbem-14089	39	8	market	market	NOUN
fbem-14089	39	9	,	,	PUNCT
fbem-14089	39	10	china	china	PROPN
fbem-14089	39	11	's	's	PART
fbem-14089	39	12	earliest	early	ADJ
fbem-14089	39	13	third	third	ADJ
fbem-14089	39	14	-	-	PUNCT
fbem-14089	39	15	party	party	NOUN
fbem-14089	39	16	payment	payment	NOUN
fbem-14089	39	17	method	method	NOUN
fbem-14089	39	18	was	be	AUX
fbem-14089	39	19	created	create	VERB
fbem-14089	39	20	.	.	PUNCT
fbem-14089	40	1	it	it	PRON
fbem-14089	40	2	also	also	ADV
fbem-14089	40	3	led	lead	VERB
fbem-14089	40	4	to	to	ADP
fbem-14089	40	5	the	the	DET
fbem-14089	40	6	establishment	establishment	NOUN
fbem-14089	40	7	of	of	ADP
fbem-14089	40	8	the	the	DET
fbem-14089	40	9	country	country	NOUN
fbem-14089	40	10	's	's	PART
fbem-14089	40	11	first	first	ADJ
fbem-14089	40	12	third	third	ADJ
fbem-14089	40	13	-	-	PUNCT
fbem-14089	40	14	party	party	NOUN
fbem-14089	40	15	payment	payment	NOUN
fbem-14089	40	16	company	company	NOUN
fbem-14089	40	17	,	,	PUNCT
fbem-14089	40	18	first	first	ADJ
fbem-14089	40	19	credit	credit	NOUN
fbem-14089	40	20	easy	easy	ADJ
fbem-14089	40	21	.	.	PUNCT
fbem-14089	41	1	in	in	ADP
fbem-14089	41	2	its	its	PRON
fbem-14089	41	3	early	early	ADJ
fbem-14089	41	4	days	day	NOUN
fbem-14089	41	5	,	,	PUNCT
fbem-14089	41	6	shouxin	shouxin	PROPN
fbem-14089	41	7	yi	yi	PROPN
fbem-14089	41	8	was	be	AUX
fbem-14089	41	9	just	just	ADV
fbem-14089	41	10	able	able	ADJ
fbem-14089	41	11	to	to	PART
fbem-14089	41	12	go	go	VERB
fbem-14089	41	13	in	in	ADV
fbem-14089	41	14	and	and	CCONJ
fbem-14089	41	15	pass	pass	VERB
fbem-14089	41	16	on	on	ADP
fbem-14089	41	17	some	some	DET
fbem-14089	41	18	basic	basic	ADJ
fbem-14089	41	19	orders	order	NOUN
fbem-14089	41	20	based	base	VERB
fbem-14089	41	21	on	on	ADP
fbem-14089	41	22	customer	customer	NOUN
fbem-14089	41	23	demand	demand	NOUN
fbem-14089	41	24	.	.	PUNCT
fbem-14089	42	1	upon	upon	SCONJ
fbem-14089	42	2	receipt	receipt	NOUN
fbem-14089	42	3	of	of	ADP
fbem-14089	42	4	the	the	DET
fbem-14089	42	5	order	order	NOUN
fbem-14089	42	6	,	,	PUNCT
fbem-14089	42	7	the	the	DET
fbem-14089	42	8	commercial	commercial	ADJ
fbem-14089	42	9	bank	bank	NOUN
fbem-14089	42	10	then	then	ADV
fbem-14089	42	11	jumped	jump	VERB
fbem-14089	42	12	to	to	ADP
fbem-14089	42	13	its	its	PRON
fbem-14089	42	14	online	online	ADJ
fbem-14089	42	15	online	online	ADJ
fbem-14089	42	16	payment	payment	NOUN
fbem-14089	42	17	page	page	NOUN
fbem-14089	42	18	and	and	CCONJ
fbem-14089	42	19	the	the	DET
fbem-14089	42	20	transaction	transaction	NOUN
fbem-14089	42	21	was	be	AUX
fbem-14089	42	22	then	then	ADV
fbem-14089	42	23	carried	carry	VERB
fbem-14089	42	24	out	out	ADP
fbem-14089	42	25	through	through	ADP
fbem-14089	42	26	the	the	DET
fbem-14089	42	27	bank	bank	NOUN
fbem-14089	42	28	's	's	PART
fbem-14089	42	29	online	online	ADJ
fbem-14089	42	30	banking	banking	NOUN
fbem-14089	42	31	system	system	NOUN
fbem-14089	42	32	.	.	PUNCT
fbem-14089	43	1	this	this	DET
fbem-14089	43	2	simple	simple	ADJ
fbem-14089	43	3	function	function	NOUN
fbem-14089	43	4	can	can	AUX
fbem-14089	43	5	no	no	ADV
fbem-14089	43	6	longer	long	ADV
fbem-14089	43	7	adapt	adapt	VERB
fbem-14089	43	8	to	to	ADP
fbem-14089	43	9	the	the	DET
fbem-14089	43	10	rapid	rapid	ADJ
fbem-14089	43	11	development	development	NOUN
fbem-14089	43	12	of	of	ADP
fbem-14089	43	13	e	e	NOUN
fbem-14089	43	14	-	-	NOUN
fbem-14089	43	15	commerce	commerce	NOUN
fbem-14089	43	16	,	,	PUNCT
fbem-14089	43	17	so	so	ADV
fbem-14089	43	18	large	large	ADJ
fbem-14089	43	19	-	-	PUNCT
fbem-14089	43	20	scale	scale	NOUN
fbem-14089	43	21	domestic	domestic	ADJ
fbem-14089	43	22	e	e	NOUN
fbem-14089	43	23	-	-	NOUN
fbem-14089	43	24	commerce	commerce	NOUN
fbem-14089	43	25	to	to	PART
fbem-14089	43	26	vigorously	vigorously	ADV
fbem-14089	43	27	develop	develop	VERB
fbem-14089	43	28	and	and	CCONJ
fbem-14089	43	29	establish	establish	VERB
fbem-14089	43	30	a	a	DET
fbem-14089	43	31	third	third	ADJ
fbem-14089	43	32	-	-	PUNCT
fbem-14089	43	33	party	party	NOUN
fbem-14089	43	34	network	network	NOUN
fbem-14089	43	35	payment	payment	NOUN
fbem-14089	43	36	.	.	PUNCT
fbem-14089	44	1	rapid	rapid	ADJ
fbem-14089	44	2	seizure	seizure	NOUN
fbem-14089	44	3	of	of	ADP
fbem-14089	44	4	the	the	DET
fbem-14089	44	5	third	third	ADJ
fbem-14089	44	6	-	-	PUNCT
fbem-14089	44	7	party	party	NOUN
fbem-14089	44	8	payment	payment	NOUN
fbem-14089	44	9	market	market	NOUN
fbem-14089	44	10	.	.	PUNCT
fbem-14089	45	1	in	in	ADP
fbem-14089	45	2	2003	2003	NUM
fbem-14089	45	3	,	,	PUNCT
fbem-14089	45	4	after	after	ADP
fbem-14089	45	5	the	the	DET
fbem-14089	45	6	jingdong	jingdong	PROPN
fbem-14089	45	7	group	group	NOUN
fbem-14089	45	8	's	's	PART
fbem-14089	45	9	subsidiary	subsidiary	NOUN
fbem-14089	45	10	online	online	ADJ
fbem-14089	45	11	banking	banking	NOUN
fbem-14089	45	12	on	on	ADP
fbem-14089	45	13	-	-	PUNCT
fbem-14089	45	14	line	line	NOUN
fbem-14089	45	15	,	,	PUNCT
fbem-14089	45	16	customers	customer	NOUN
fbem-14089	45	17	are	be	AUX
fbem-14089	45	18	mainly	mainly	ADV
fbem-14089	45	19	concentrated	concentrate	VERB
fbem-14089	45	20	in	in	ADP
fbem-14089	45	21	the	the	DET
fbem-14089	45	22	jingdong	jingdong	ADJ
fbem-14089	45	23	platform	platform	NOUN
fbem-14089	45	24	transactions	transaction	NOUN
fbem-14089	45	25	,	,	PUNCT
fbem-14089	45	26	in	in	ADP
fbem-14089	45	27	the	the	DET
fbem-14089	45	28	later	later	ADJ
fbem-14089	45	29	part	part	NOUN
fbem-14089	45	30	of	of	ADP
fbem-14089	45	31	the	the	DET
fbem-14089	45	32	trend	trend	NOUN
fbem-14089	45	33	to	to	PART
fbem-14089	45	34	expand	expand	VERB
fbem-14089	45	35	.	.	PUNCT
fbem-14089	46	1	in	in	ADP
fbem-14089	46	2	2004	2004	NUM
fbem-14089	46	3	,	,	PUNCT
fbem-14089	46	4	alipay	alipay	PROPN
fbem-14089	46	5	's	's	PART
fbem-14089	46	6	"	"	PUNCT
fbem-14089	46	7	guaranteed	guarantee	VERB
fbem-14089	46	8	transaction	transaction	NOUN
fbem-14089	46	9	model	model	NOUN
fbem-14089	46	10	"	"	PUNCT
fbem-14089	46	11	became	become	VERB
fbem-14089	46	12	operational	operational	ADJ
fbem-14089	46	13	.	.	PUNCT
fbem-14089	47	1	the	the	DET
fbem-14089	47	2	two	two	NUM
fbem-14089	47	3	sides	side	NOUN
fbem-14089	47	4	of	of	ADP
fbem-14089	47	5	the	the	DET
fbem-14089	47	6	information	information	NOUN
fbem-14089	47	7	asymmetry	asymmetry	NOUN
fbem-14089	47	8	problem	problem	NOUN
fbem-14089	47	9	for	for	ADP
fbem-14089	47	10	the	the	DET
fbem-14089	47	11	first	first	ADJ
fbem-14089	47	12	time	time	NOUN
fbem-14089	47	13	to	to	PART
fbem-14089	47	14	be	be	AUX
fbem-14089	47	15	solved	solve	VERB
fbem-14089	47	16	,	,	PUNCT
fbem-14089	47	17	the	the	DET
fbem-14089	47	18	development	development	NOUN
fbem-14089	47	19	of	of	ADP
fbem-14089	47	20	guaranteed	guarantee	VERB
fbem-14089	47	21	transaction	transaction	NOUN
fbem-14089	47	22	model	model	NOUN
fbem-14089	47	23	.	.	PUNCT
fbem-14089	48	1	in	in	ADP
fbem-14089	48	2	the	the	DET
fbem-14089	48	3	same	same	ADJ
fbem-14089	48	4	year	year	NOUN
fbem-14089	48	5	,	,	PUNCT
fbem-14089	48	6	as	as	ADP
fbem-14089	48	7	the	the	DET
fbem-14089	48	8	independent	independent	ADJ
fbem-14089	48	9	payment	payment	NOUN
fbem-14089	48	10	model	model	NOUN
fbem-14089	48	11	of	of	ADP
fbem-14089	48	12	fast	fast	ADJ
fbem-14089	48	13	payment	payment	NOUN
fbem-14089	48	14	business	business	NOUN
fbem-14089	48	15	and	and	CCONJ
fbem-14089	48	16	the	the	DET
fbem-14089	48	17	concept	concept	NOUN
fbem-14089	48	18	of	of	ADP
fbem-14089	48	19	third	third	ADJ
fbem-14089	48	20	-	-	PUNCT
fbem-14089	48	21	party	party	NOUN
fbem-14089	48	22	platform	platform	NOUN
fbem-14089	48	23	payment	payment	NOUN
fbem-14089	48	24	,	,	PUNCT
fbem-14089	48	25	the	the	DET
fbem-14089	48	26	third	third	ADJ
fbem-14089	48	27	-	-	PUNCT
fbem-14089	48	28	party	party	NOUN
fbem-14089	48	29	payment	payment	NOUN
fbem-14089	48	30	platform	platform	NOUN
fbem-14089	48	31	entered	enter	VERB
fbem-14089	48	32	a	a	DET
fbem-14089	48	33	period	period	NOUN
fbem-14089	48	34	of	of	ADP
fbem-14089	48	35	rapid	rapid	ADJ
fbem-14089	48	36	development	development	NOUN
fbem-14089	48	37	,	,	PUNCT
fbem-14089	48	38	and	and	CCONJ
fbem-14089	48	39	the	the	DET
fbem-14089	48	40	main	main	ADJ
fbem-14089	48	41	e	e	NOUN
fbem-14089	48	42	-	-	NOUN
fbem-14089	48	43	commerce	commerce	NOUN
fbem-14089	48	44	platforms	platform	NOUN
fbem-14089	48	45	were	be	AUX
fbem-14089	48	46	frequently	frequently	ADV
fbem-14089	48	47	launched	launch	VERB
fbem-14089	48	48	.	.	PUNCT
fbem-14089	49	1	currently	currently	ADV
fbem-14089	49	2	,	,	PUNCT
fbem-14089	49	3	the	the	DET
fbem-14089	49	4	third	third	ADJ
fbem-14089	49	5	-	-	PUNCT
fbem-14089	49	6	party	party	NOUN
fbem-14089	49	7	payment	payment	NOUN
fbem-14089	49	8	model	model	NOUN
fbem-14089	49	9	is	be	AUX
fbem-14089	49	10	no	no	ADV
fbem-14089	49	11	longer	long	ADV
fbem-14089	49	12	just	just	ADV
fbem-14089	49	13	a	a	DET
fbem-14089	49	14	"	"	PUNCT
fbem-14089	49	15	channel	channel	NOUN
fbem-14089	49	16	"	"	PUNCT
fbem-14089	49	17	but	but	CCONJ
fbem-14089	49	18	has	have	AUX
fbem-14089	49	19	evolved	evolve	VERB
fbem-14089	49	20	into	into	ADP
fbem-14089	49	21	a	a	DET
fbem-14089	49	22	form	form	NOUN
fbem-14089	49	23	of	of	ADP
fbem-14089	49	24	online	online	ADJ
fbem-14089	49	25	account	account	NOUN
fbem-14089	49	26	for	for	ADP
fbem-14089	49	27	both	both	DET
fbem-14089	49	28	parties	party	NOUN
fbem-14089	49	29	.	.	PUNCT
fbem-14089	50	1	after	after	ADP
fbem-14089	50	2	completing	complete	VERB
fbem-14089	50	3	the	the	DET
fbem-14089	50	4	online	online	ADJ
fbem-14089	50	5	expansion	expansion	NOUN
fbem-14089	50	6	,	,	PUNCT
fbem-14089	50	7	the	the	DET
fbem-14089	50	8	second	second	ADJ
fbem-14089	50	9	party	party	NOUN
fbem-14089	50	10	payment	payment	NOUN
fbem-14089	50	11	was	be	AUX
fbem-14089	50	12	developed	develop	VERB
fbem-14089	50	13	offline	offline	ADJ
fbem-14089	50	14	in	in	ADP
fbem-14089	50	15	2008	2008	NUM
fbem-14089	50	16	.	.	PUNCT
fbem-14089	51	1	there	there	PRON
fbem-14089	51	2	was	be	VERB
fbem-14089	51	3	more	more	ADJ
fbem-14089	51	4	market	market	NOUN
fbem-14089	51	5	space	space	NOUN
fbem-14089	51	6	offline	offline	NOUN
fbem-14089	51	7	,	,	PUNCT
fbem-14089	51	8	and	and	CCONJ
fbem-14089	51	9	the	the	DET
fbem-14089	51	10	online	online	ADJ
fbem-14089	51	11	market	market	NOUN
fbem-14089	51	12	was	be	AUX
fbem-14089	51	13	already	already	ADV
fbem-14089	51	14	dominated	dominate	VERB
fbem-14089	51	15	by	by	ADP
fbem-14089	51	16	the	the	DET
fbem-14089	51	17	major	major	ADJ
fbem-14089	51	18	third	third	ADJ
fbem-14089	51	19	-	-	PUNCT
fbem-14089	51	20	party	party	NOUN
fbem-14089	51	21	payment	payment	NOUN
fbem-14089	51	22	platforms	platform	NOUN
fbem-14089	51	23	and	and	CCONJ
fbem-14089	51	24	was	be	AUX
fbem-14089	51	25	a	a	DET
fbem-14089	51	26	red	red	ADJ
fbem-14089	51	27	ocean	ocean	NOUN
fbem-14089	51	28	market	market	NOUN
fbem-14089	51	29	.	.	PUNCT
fbem-14089	52	1	there	there	PRON
fbem-14089	52	2	is	be	VERB
fbem-14089	52	3	a	a	DET
fbem-14089	52	4	need	need	NOUN
fbem-14089	52	5	to	to	PART
fbem-14089	52	6	find	find	VERB
fbem-14089	52	7	space	space	NOUN
fbem-14089	52	8	for	for	ADP
fbem-14089	52	9	offline	offline	ADJ
fbem-14089	52	10	development	development	NOUN
fbem-14089	52	11	and	and	CCONJ
fbem-14089	52	12	innovative	innovative	ADJ
fbem-14089	52	13	transaction	transaction	NOUN
fbem-14089	52	14	methods	method	NOUN
fbem-14089	52	15	.	.	PUNCT
fbem-14089	53	1	in	in	ADP
fbem-14089	53	2	recent	recent	ADJ
fbem-14089	53	3	years	year	NOUN
fbem-14089	53	4	,	,	PUNCT
fbem-14089	53	5	china	china	PROPN
fbem-14089	53	6	's	's	PART
fbem-14089	53	7	third	third	ADJ
fbem-14089	53	8	-	-	PUNCT
fbem-14089	53	9	party	party	NOUN
fbem-14089	53	10	payment	payment	NOUN
fbem-14089	53	11	industry	industry	NOUN
fbem-14089	53	12	has	have	AUX
fbem-14089	53	13	been	be	AUX
fbem-14089	53	14	developing	develop	VERB
fbem-14089	53	15	rapidly	rapidly	ADV
fbem-14089	53	16	,	,	PUNCT
fbem-14089	53	17	especially	especially	ADV
fbem-14089	53	18	in	in	ADP
fbem-14089	53	19	recent	recent	ADJ
fbem-14089	53	20	years	year	NOUN
fbem-14089	53	21	,	,	PUNCT
fbem-14089	53	22	it	it	PRON
fbem-14089	53	23	has	have	AUX
fbem-14089	53	24	begun	begin	VERB
fbem-14089	53	25	to	to	PART
fbem-14089	53	26	integrate	integrate	VERB
fbem-14089	53	27	into	into	ADP
fbem-14089	53	28	the	the	DET
fbem-14089	53	29	financial	financial	ADJ
fbem-14089	53	30	,	,	PUNCT
fbem-14089	53	31	news	news	NOUN
fbem-14089	53	32	media	medium	NOUN
fbem-14089	53	33	,	,	PUNCT
fbem-14089	53	34	education	education	NOUN
fbem-14089	53	35	,	,	PUNCT
fbem-14089	53	36	social	social	ADJ
fbem-14089	53	37	,	,	PUNCT
fbem-14089	53	38	medical	medical	ADJ
fbem-14089	53	39	and	and	CCONJ
fbem-14089	53	40	other	other	ADJ
fbem-14089	53	41	fields	field	NOUN
fbem-14089	53	42	.	.	PUNCT
fbem-14089	54	1	due	due	ADP
fbem-14089	54	2	to	to	ADP
fbem-14089	54	3	the	the	DET
fbem-14089	54	4	rapid	rapid	ADJ
fbem-14089	54	5	development	development	NOUN
fbem-14089	54	6	of	of	ADP
fbem-14089	54	7	third	third	ADJ
fbem-14089	54	8	party	party	NOUN
fbem-14089	54	9	payment	payment	NOUN
fbem-14089	54	10	in	in	ADP
fbem-14089	54	11	china	china	PROPN
fbem-14089	54	12	,	,	PUNCT
fbem-14089	54	13	there	there	PRON
fbem-14089	54	14	are	be	VERB
fbem-14089	54	15	hidden	hide	VERB
fbem-14089	54	16	dangers	danger	NOUN
fbem-14089	54	17	such	such	ADJ
fbem-14089	54	18	as	as	ADP
fbem-14089	54	19	one	one	NUM
fbem-14089	54	20	-	-	PUNCT
fbem-14089	54	21	sided	sided	ADJ
fbem-14089	54	22	development	development	NOUN
fbem-14089	54	23	and	and	CCONJ
fbem-14089	54	24	security	security	NOUN
fbem-14089	54	25	risks	risk	NOUN
fbem-14089	54	26	.	.	PUNCT
fbem-14089	55	1	the	the	DET
fbem-14089	55	2	central	central	PROPN
fbem-14089	55	3	bank	bank	NOUN
fbem-14089	55	4	's	's	PART
fbem-14089	55	5	attitude	attitude	NOUN
fbem-14089	55	6	towards	towards	ADP
fbem-14089	55	7	third	third	ADJ
fbem-14089	55	8	-	-	PUNCT
fbem-14089	55	9	party	party	NOUN
fbem-14089	55	10	payments	payment	NOUN
fbem-14089	55	11	has	have	AUX
fbem-14089	55	12	begun	begin	VERB
fbem-14089	55	13	to	to	PART
fbem-14089	55	14	undergo	undergo	VERB
fbem-14089	55	15	a	a	DET
fbem-14089	55	16	subtle	subtle	ADJ
fbem-14089	55	17	shift	shift	NOUN
fbem-14089	55	18	from	from	ADP
fbem-14089	55	19	the	the	DET
fbem-14089	55	20	previous	previous	ADJ
fbem-14089	55	21	positive	positive	ADJ
fbem-14089	55	22	encouragement	encouragement	NOUN
fbem-14089	55	23	,	,	PUNCT
fbem-14089	55	24	guidance	guidance	NOUN
fbem-14089	55	25	and	and	CCONJ
fbem-14089	55	26	regulation	regulation	NOUN
fbem-14089	55	27	.	.	PUNCT
fbem-14089	56	1	specific	specific	ADJ
fbem-14089	56	2	policy	policy	NOUN
fbem-14089	56	3	measures	measure	NOUN
fbem-14089	56	4	are	be	AUX
fbem-14089	56	5	reflected	reflect	VERB
fbem-14089	56	6	in	in	ADP
fbem-14089	56	7	the	the	DET
fbem-14089	56	8	following	following	NOUN
fbem-14089	56	9	:	:	PUNCT
fbem-14089	56	10	on	on	ADP
fbem-14089	56	11	13	13	NUM
fbem-14089	56	12	march	march	NOUN
fbem-14089	56	13	2014	2014	NUM
fbem-14089	56	14	,	,	PUNCT
fbem-14089	56	15	the	the	DET
fbem-14089	56	16	payment	payment	NOUN
fbem-14089	56	17	and	and	CCONJ
fbem-14089	56	18	settlement	settlement	NOUN
fbem-14089	56	19	department	department	PROPN
fbem-14089	56	20	of	of	ADP
fbem-14089	56	21	the	the	DET
fbem-14089	56	22	central	central	ADJ
fbem-14089	56	23	bank	bank	NOUN
fbem-14089	56	24	issued	issue	VERB
fbem-14089	56	25	a	a	DET
fbem-14089	56	26	letter	letter	NOUN
fbem-14089	56	27	suspending	suspend	VERB
fbem-14089	56	28	alipay	alipay	PROPN
fbem-14089	56	29	's	's	PART
fbem-14089	56	30	offline	offline	ADJ
fbem-14089	56	31	barcode	barcode	NOUN
fbem-14089	56	32	(	(	PUNCT
fbem-14089	56	33	qr	qr	PROPN
fbem-14089	56	34	code	code	PROPN
fbem-14089	56	35	)	)	PUNCT
fbem-14089	56	36	payments	payment	NOUN
fbem-14089	56	37	and	and	CCONJ
fbem-14089	56	38	other	other	ADJ
fbem-14089	56	39	commercial	commercial	ADJ
fbem-14089	56	40	opinions	opinion	NOUN
fbem-14089	56	41	.	.	PUNCT
fbem-14089	57	1	emergency	emergency	NOUN
fbem-14089	57	2	suspension	suspension	NOUN
fbem-14089	57	3	of	of	ADP
fbem-14089	57	4	virtual	virtual	ADJ
fbem-14089	57	5	credit	credit	NOUN
fbem-14089	57	6	card	card	NOUN
fbem-14089	57	7	and	and	CCONJ
fbem-14089	57	8	qr	qr	NOUN
fbem-14089	57	9	code	code	NOUN
fbem-14089	57	10	payments	payment	NOUN
fbem-14089	57	11	.	.	PUNCT
fbem-14089	58	1	on	on	ADP
fbem-14089	58	2	10	10	NUM
fbem-14089	58	3	april	april	PROPN
fbem-14089	58	4	of	of	ADP
fbem-14089	58	5	the	the	DET
fbem-14089	58	6	same	same	ADJ
fbem-14089	58	7	year	year	NOUN
fbem-14089	58	8	,	,	PUNCT
fbem-14089	58	9	the	the	DET
fbem-14089	58	10	central	central	ADJ
fbem-14089	58	11	bank	bank	NOUN
fbem-14089	58	12	and	and	CCONJ
fbem-14089	58	13	the	the	DET
fbem-14089	58	14	china	china	PROPN
fbem-14089	58	15	banking	banking	PROPN
fbem-14089	58	16	regulatory	regulatory	ADJ
fbem-14089	58	17	commission	commission	PROPN
fbem-14089	58	18	(	(	PUNCT
fbem-14089	58	19	cbrc	cbrc	NOUN
fbem-14089	58	20	)	)	PUNCT
fbem-14089	58	21	jointly	jointly	ADV
fbem-14089	58	22	issued	issue	VERB
fbem-14089	58	23	a	a	DET
fbem-14089	58	24	"	"	PUNCT
fbem-14089	58	25	circular	circular	NOUN
fbem-14089	58	26	on	on	ADP
fbem-14089	58	27	strengthening	strengthen	VERB
fbem-14089	58	28	the	the	DET
fbem-14089	58	29	management	management	NOUN
fbem-14089	58	30	of	of	ADP
fbem-14089	58	31	cooperation	cooperation	NOUN
fbem-14089	58	32	between	between	ADP
fbem-14089	58	33	commercial	commercial	ADJ
fbem-14089	58	34	banks	bank	NOUN
fbem-14089	58	35	and	and	CCONJ
fbem-14089	58	36	third	third	ADJ
fbem-14089	58	37	-	-	PUNCT
fbem-14089	58	38	party	party	NOUN
fbem-14089	58	39	payment	payment	NOUN
fbem-14089	58	40	institutions	institution	NOUN
fbem-14089	58	41	"	"	PUNCT
fbem-14089	58	42	(	(	PUNCT
fbem-14089	58	43	yin	yin	PROPN
fbem-14089	58	44	jianfa	jianfa	PROPN
fbem-14089	59	1	[	[	X
fbem-14089	59	2	2014	2014	NUM
fbem-14089	59	3	]	]	X
fbem-14089	59	4	no	no	INTJ
fbem-14089	59	5	.	.	NOUN
fbem-14089	59	6	10	10	NUM
fbem-14089	59	7	)	)	PUNCT
fbem-14089	59	8	.	.	PUNCT
fbem-14089	60	1	although	although	SCONJ
fbem-14089	60	2	the	the	DET
fbem-14089	60	3	20	20	NUM
fbem-14089	60	4	provisions	provision	NOUN
fbem-14089	60	5	in	in	ADP
fbem-14089	60	6	yin	yin	PROPN
fbem-14089	60	7	jianfa	jianfa	PROPN
fbem-14089	60	8	[	[	X
fbem-14089	60	9	2014	2014	NUM
fbem-14089	60	10	]	]	X
fbem-14089	60	11	no	no	INTJ
fbem-14089	60	12	.	.	NOUN
fbem-14089	60	13	10	10	NUM
fbem-14089	60	14	are	be	AUX
fbem-14089	60	15	applicable	applicable	ADJ
fbem-14089	60	16	to	to	ADP
fbem-14089	60	17	commercial	commercial	ADJ
fbem-14089	60	18	banks	bank	NOUN
fbem-14089	60	19	,	,	PUNCT
fbem-14089	60	20	virtually	virtually	ADV
fbem-14089	60	21	every	every	DET
fbem-14089	60	22	one	one	NUM
fbem-14089	60	23	of	of	ADP
fbem-14089	60	24	them	they	PRON
fbem-14089	60	25	points	point	VERB
fbem-14089	60	26	to	to	ADP
fbem-14089	60	27	thirdparty	thirdparty	NOUN
fbem-14089	60	28	payment	payment	NOUN
fbem-14089	60	29	institutions.in	institutions.in	NUM
fbem-14089	60	30	august	august	PROPN
fbem-14089	60	31	2016	2016	NUM
fbem-14089	60	32	,	,	PUNCT
fbem-14089	60	33	the	the	DET
fbem-14089	60	34	central	central	ADJ
fbem-14089	60	35	bank	bank	NOUN
fbem-14089	60	36	's	's	PART
fbem-14089	60	37	"	"	PUNCT
fbem-14089	60	38	specification	specification	NOUN
fbem-14089	60	39	on	on	ADP
fbem-14089	60	40	payment	payment	NOUN
fbem-14089	60	41	services	service	NOUN
fbem-14089	60	42	for	for	ADP
fbem-14089	60	43	conventional	conventional	ADJ
fbem-14089	60	44	codes	code	NOUN
fbem-14089	60	45	(	(	PUNCT
fbem-14089	60	46	draft	draft	NOUN
fbem-14089	60	47	for	for	ADP
fbem-14089	60	48	public	public	ADJ
fbem-14089	60	49	comments	comment	NOUN
fbem-14089	60	50	)	)	PUNCT
fbem-14089	60	51	"	"	PUNCT
fbem-14089	60	52	and	and	CCONJ
fbem-14089	60	53	"	"	PUNCT
fbem-14089	60	54	access	access	NOUN
fbem-14089	60	55	rules	rule	NOUN
fbem-14089	60	56	for	for	ADP
fbem-14089	60	57	bank	bank	NOUN
fbem-14089	60	58	card	card	NOUN
fbem-14089	60	59	acceptance	acceptance	NOUN
fbem-14089	60	60	terminals	terminal	NOUN
fbem-14089	60	61	"	"	PUNCT
fbem-14089	60	62	were	be	AUX
fbem-14089	60	63	released	release	VERB
fbem-14089	60	64	.	.	PUNCT
fbem-14089	61	1	in	in	ADP
fbem-14089	61	2	august	august	PROPN
fbem-14089	61	3	2016	2016	NUM
fbem-14089	61	4	,	,	PUNCT
fbem-14089	61	5	the	the	DET
fbem-14089	61	6	central	central	ADJ
fbem-14089	61	7	bank	bank	NOUN
fbem-14089	61	8	issued	issue	VERB
fbem-14089	61	9	the	the	DET
fbem-14089	61	10	"	"	PUNCT
fbem-14089	61	11	regulation	regulation	NOUN
fbem-14089	61	12	on	on	ADP
fbem-14089	61	13	payment	payment	NOUN
fbem-14089	61	14	service	service	NOUN
fbem-14089	61	15	of	of	ADP
fbem-14089	61	16	conventional	conventional	ADJ
fbem-14089	61	17	codes	code	NOUN
fbem-14089	61	18	(	(	PUNCT
fbem-14089	61	19	draft	draft	NOUN
fbem-14089	61	20	for	for	ADP
fbem-14089	61	21	public	public	ADJ
fbem-14089	61	22	comments	comment	NOUN
fbem-14089	61	23	)	)	PUNCT
fbem-14089	61	24	"	"	PUNCT
fbem-14089	61	25	and	and	CCONJ
fbem-14089	61	26	the	the	DET
fbem-14089	61	27	"	"	PUNCT
fbem-14089	61	28	rules	rule	NOUN
fbem-14089	61	29	on	on	ADP
fbem-14089	61	30	access	access	NOUN
fbem-14089	61	31	to	to	ADP
fbem-14089	61	32	bank	bank	NOUN
fbem-14089	61	33	card	card	NOUN
fbem-14089	61	34	acceptance	acceptance	NOUN
fbem-14089	61	35	terminal	terminal	PROPN
fbem-14089	61	36	business	business	NOUN
fbem-14089	61	37	"	"	PUNCT
fbem-14089	61	38	;	;	PUNCT
fbem-14089	61	39	in	in	ADP
fbem-14089	61	40	march	march	PROPN
fbem-14089	61	41	2018	2018	NUM
fbem-14089	61	42	,	,	PUNCT
fbem-14089	61	43	the	the	DET
fbem-14089	61	44	network	network	NOUN
fbem-14089	61	45	association	association	NOUN
fbem-14089	61	46	issued	issue	VERB
fbem-14089	61	47	document	document	NOUN
fbem-14089	61	48	no	no	INTJ
fbem-14089	61	49	.	.	PROPN
fbem-14089	61	50	42	42	NUM
fbem-14089	61	51	,	,	PUNCT
fbem-14089	61	52	urging	urge	VERB
fbem-14089	61	53	third	third	ADJ
fbem-14089	61	54	-	-	PUNCT
fbem-14089	61	55	party	party	NOUN
fbem-14089	61	56	payment	payment	NOUN
fbem-14089	61	57	institutions	institution	NOUN
fbem-14089	61	58	to	to	PART
fbem-14089	61	59	access	access	VERB
fbem-14089	61	60	network	network	NOUN
fbem-14089	61	61	connection	connection	NOUN
fbem-14089	61	62	channels	channel	NOUN
fbem-14089	61	63	.	.	PUNCT
fbem-14089	62	1	it	it	PRON
fbem-14089	62	2	is	be	AUX
fbem-14089	62	3	clear	clear	ADJ
fbem-14089	62	4	that	that	SCONJ
fbem-14089	62	5	all	all	DET
fbem-14089	62	6	direct	direct	ADJ
fbem-14089	62	7	links	link	NOUN
fbem-14089	62	8	between	between	ADP
fbem-14089	62	9	third	third	ADJ
fbem-14089	62	10	-	-	PUNCT
fbem-14089	62	11	party	party	NOUN
fbem-14089	62	12	payment	payment	NOUN
fbem-14089	62	13	institutions	institution	NOUN
fbem-14089	62	14	and	and	CCONJ
fbem-14089	62	15	banks	bank	NOUN
fbem-14089	62	16	will	will	AUX
fbem-14089	62	17	be	be	AUX
fbem-14089	62	18	severed	sever	VERB
fbem-14089	62	19	until	until	ADP
fbem-14089	62	20	30	30	NUM
fbem-14089	62	21	june	june	PROPN
fbem-14089	62	22	2018	2018	NUM
fbem-14089	62	23	,	,	PUNCT
fbem-14089	62	24	and	and	CCONJ
fbem-14089	62	25	then	then	ADV
fbem-14089	62	26	no	no	PRON
fbem-14089	62	27	more	more	ADV
fbem-14089	62	28	direct	direct	ADJ
fbem-14089	62	29	payments	payment	NOUN
fbem-14089	62	30	will	will	AUX
fbem-14089	62	31	be	be	AUX
fbem-14089	62	32	made	make	VERB
fbem-14089	62	33	to	to	ADP
fbem-14089	62	34	third	third	ADJ
fbem-14089	62	35	-	-	PUNCT
fbem-14089	62	36	party	party	NOUN
fbem-14089	62	37	payment	payment	NOUN
fbem-14089	62	38	institutions	institution	NOUN
fbem-14089	62	39	.	.	PUNCT
fbem-14089	63	1	banks	bank	NOUN
fbem-14089	63	2	will	will	AUX
fbem-14089	63	3	then	then	ADV
fbem-14089	63	4	no	no	ADV
fbem-14089	63	5	longer	long	ADV
fbem-14089	63	6	provide	provide	VERB
fbem-14089	63	7	agency	agency	NOUN
fbem-14089	63	8	channels	channel	NOUN
fbem-14089	63	9	directly	directly	ADV
fbem-14089	63	10	to	to	ADP
fbem-14089	63	11	third	third	ADJ
fbem-14089	63	12	-	-	PUNCT
fbem-14089	63	13	party	party	NOUN
fbem-14089	63	14	payment	payment	NOUN
fbem-14089	63	15	providers	provider	NOUN
fbem-14089	63	16	.	.	PUNCT
fbem-14089	64	1	on	on	ADP
fbem-14089	64	2	13	13	NUM
fbem-14089	64	3	december	december	NOUN
fbem-14089	64	4	of	of	ADP
fbem-14089	64	5	the	the	DET
fbem-14089	64	6	same	same	ADJ
fbem-14089	64	7	year	year	NOUN
fbem-14089	64	8	,	,	PUNCT
fbem-14089	64	9	bank	bank	PROPN
fbem-14089	64	10	of	of	ADP
fbem-14089	64	11	china	china	PROPN
fbem-14089	64	12	announced	announce	VERB
fbem-14089	64	13	that	that	SCONJ
fbem-14089	64	14	another	another	DET
fbem-14089	64	15	new	new	ADJ
fbem-14089	64	16	bank	bank	NOUN
fbem-14089	64	17	payment	payment	NOUN
fbem-14089	64	18	regulation	regulation	NOUN
fbem-14089	64	19	would	would	AUX
fbem-14089	64	20	be	be	AUX
fbem-14089	64	21	officially	officially	ADV
fbem-14089	64	22	implemented.on	implemented.on	PRON
fbem-14089	64	23	20	20	NUM
fbem-14089	64	24	december	december	PROPN
fbem-14089	64	25	2018	2018	NUM
fbem-14089	64	26	,	,	PUNCT
fbem-14089	64	27	the	the	DET
fbem-14089	64	28	cooperation	cooperation	NOUN
fbem-14089	64	29	channel	channel	NOUN
fbem-14089	64	30	with	with	ADP
fbem-14089	64	31	third	third	ADJ
fbem-14089	64	32	-	-	PUNCT
fbem-14089	64	33	party	party	NOUN
fbem-14089	64	34	payment	payment	NOUN
fbem-14089	64	35	institutions	institution	NOUN
fbem-14089	64	36	under	under	ADP
fbem-14089	64	37	the	the	DET
fbem-14089	64	38	original	original	ADJ
fbem-14089	64	39	direct	direct	ADJ
fbem-14089	64	40	business	business	NOUN
fbem-14089	64	41	model	model	NOUN
fbem-14089	64	42	was	be	AUX
fbem-14089	64	43	closed	closed	ADJ
fbem-14089	64	44	.	.	PUNCT
fbem-14089	65	1	third	third	ADJ
fbem-14089	65	2	-	-	PUNCT
fbem-14089	65	3	party	party	NOUN
fbem-14089	65	4	payment	payment	NOUN
fbem-14089	65	5	has	have	AUX
fbem-14089	65	6	become	become	VERB
fbem-14089	65	7	a	a	DET
fbem-14089	65	8	necessity	necessity	NOUN
fbem-14089	65	9	for	for	ADP
fbem-14089	65	10	most	most	ADJ
fbem-14089	65	11	people	people	NOUN
fbem-14089	65	12	's	's	PART
fbem-14089	65	13	daily	daily	ADJ
fbem-14089	65	14	life	life	NOUN
fbem-14089	65	15	,	,	PUNCT
fbem-14089	65	16	showing	show	VERB
fbem-14089	65	17	great	great	ADJ
fbem-14089	65	18	strength	strength	NOUN
fbem-14089	65	19	and	and	CCONJ
fbem-14089	65	20	leading	lead	VERB
fbem-14089	65	21	the	the	DET
fbem-14089	65	22	development	development	NOUN
fbem-14089	65	23	trend	trend	NOUN
fbem-14089	65	24	of	of	ADP
fbem-14089	65	25	related	relate	VERB
fbem-14089	65	26	fields	field	NOUN
fbem-14089	65	27	in	in	ADP
fbem-14089	65	28	the	the	DET
fbem-14089	65	29	world	world	NOUN
fbem-14089	65	30	.	.	PUNCT
fbem-14089	66	1	at	at	ADP
fbem-14089	66	2	the	the	DET
fbem-14089	66	3	same	same	ADJ
fbem-14089	66	4	time	time	NOUN
fbem-14089	66	5	,	,	PUNCT
fbem-14089	66	6	there	there	PRON
fbem-14089	66	7	are	be	VERB
fbem-14089	66	8	still	still	ADV
fbem-14089	66	9	many	many	ADJ
fbem-14089	66	10	problems	problem	NOUN
fbem-14089	66	11	and	and	CCONJ
fbem-14089	66	12	deficiencies	deficiency	NOUN
fbem-14089	66	13	in	in	ADP
fbem-14089	66	14	the	the	DET
fbem-14089	66	15	field	field	NOUN
fbem-14089	66	16	of	of	ADP
fbem-14089	66	17	third	third	ADJ
fbem-14089	66	18	-	-	PUNCT
fbem-14089	66	19	party	party	NOUN
fbem-14089	66	20	payment	payment	NOUN
fbem-14089	66	21	.	.	PUNCT
fbem-14089	67	1	expand	expand	VERB
fbem-14089	67	2	the	the	DET
fbem-14089	67	3	scope	scope	NOUN
fbem-14089	67	4	of	of	ADP
fbem-14089	67	5	regulation	regulation	NOUN
fbem-14089	67	6	to	to	PART
fbem-14089	67	7	ensure	ensure	VERB
fbem-14089	67	8	the	the	DET
fbem-14089	67	9	healthy	healthy	ADJ
fbem-14089	67	10	development	development	NOUN
fbem-14089	67	11	of	of	ADP
fbem-14089	67	12	the	the	DET
fbem-14089	67	13	thirdparty	thirdparty	PROPN
fbem-14089	67	14	payment	payment	NOUN
fbem-14089	67	15	industry	industry	NOUN
fbem-14089	67	16	.	.	PUNCT
fbem-14089	68	1	4	4	X
fbem-14089	68	2	.	.	X
fbem-14089	68	3	analysing	analyse	VERB
fbem-14089	68	4	the	the	DET
fbem-14089	68	5	impact	impact	NOUN
fbem-14089	68	6	of	of	ADP
fbem-14089	68	7	third	third	ADJ
fbem-14089	68	8	-	-	PUNCT
fbem-14089	68	9	party	party	NOUN
fbem-14089	68	10	payments	payment	NOUN
fbem-14089	68	11	on	on	ADP
fbem-14089	68	12	commercial	commercial	ADJ
fbem-14089	68	13	banks	bank	NOUN
fbem-14089	68	14	—	—	PUNCT
fbem-14089	68	15	taking	take	VERB
fbem-14089	68	16	alipay	alipay	PROPN
fbem-14089	68	17	as	as	ADP
fbem-14089	68	18	an	an	DET
fbem-14089	68	19	example	example	NOUN
fbem-14089	68	20	4.1	4.1	NUM
fbem-14089	68	21	.	.	PUNCT
fbem-14089	69	1	history	history	NOUN
fbem-14089	69	2	of	of	ADP
fbem-14089	69	3	alipay	alipay	PROPN
fbem-14089	69	4	founded	found	VERB
fbem-14089	69	5	in	in	ADP
fbem-14089	69	6	july	july	PROPN
fbem-14089	69	7	2003	2003	NUM
fbem-14089	69	8	,	,	PUNCT
fbem-14089	69	9	taobao	taobao	PROPN
fbem-14089	69	10	is	be	AUX
fbem-14089	69	11	china	china	PROPN
fbem-14089	69	12	's	's	PART
fbem-14089	69	13	largest	large	ADJ
fbem-14089	69	14	online	online	ADJ
fbem-14089	69	15	shopping	shopping	NOUN
fbem-14089	69	16	platform	platform	NOUN
fbem-14089	69	17	.	.	PUNCT
fbem-14089	70	1	the	the	DET
fbem-14089	70	2	core	core	NOUN
fbem-14089	70	3	problem	problem	NOUN
fbem-14089	70	4	encountered	encounter	VERB
fbem-14089	70	5	at	at	ADP
fbem-14089	70	6	the	the	DET
fbem-14089	70	7	beginning	beginning	NOUN
fbem-14089	70	8	of	of	ADP
fbem-14089	70	9	its	its	PRON
fbem-14089	70	10	establishment	establishment	NOUN
fbem-14089	70	11	was	be	AUX
fbem-14089	70	12	how	how	SCONJ
fbem-14089	70	13	to	to	PART
fbem-14089	70	14	solve	solve	VERB
fbem-14089	70	15	the	the	DET
fbem-14089	70	16	credit	credit	NOUN
fbem-14089	70	17	problem	problem	NOUN
fbem-14089	70	18	in	in	ADP
fbem-14089	70	19	the	the	DET
fbem-14089	70	20	process	process	NOUN
fbem-14089	70	21	of	of	ADP
fbem-14089	70	22	online	online	ADJ
fbem-14089	70	23	transactions	transaction	NOUN
fbem-14089	70	24	,	,	PUNCT
fbem-14089	70	25	in	in	ADP
fbem-14089	70	26	order	order	NOUN
fbem-14089	70	27	to	to	PART
fbem-14089	70	28	solve	solve	VERB
fbem-14089	70	29	this	this	DET
fbem-14089	70	30	problem	problem	NOUN
fbem-14089	70	31	,	,	PUNCT
fbem-14089	70	32	taobao	taobao	PROPN
fbem-14089	70	33	launched	launch	VERB
fbem-14089	70	34	alipay	alipay	PROPN
fbem-14089	70	35	on	on	ADP
fbem-14089	70	36	18	18	NUM
fbem-14089	70	37	october	october	PROPN
fbem-14089	70	38	2003	2003	NUM
fbem-14089	70	39	,	,	PUNCT
fbem-14089	70	40	and	and	CCONJ
fbem-14089	70	41	its	its	PRON
fbem-14089	70	42	business	business	NOUN
fbem-14089	70	43	area	area	NOUN
fbem-14089	70	44	is	be	AUX
fbem-14089	70	45	not	not	PART
fbem-14089	70	46	only	only	ADV
fbem-14089	70	47	limited	limit	VERB
fbem-14089	70	48	to	to	ADP
fbem-14089	70	49	online	online	ADJ
fbem-14089	70	50	shopping	shopping	NOUN
fbem-14089	70	51	,	,	PUNCT
fbem-14089	70	52	but	but	CCONJ
fbem-14089	70	53	has	have	AUX
fbem-14089	70	54	begun	begin	VERB
fbem-14089	70	55	to	to	PART
fbem-14089	70	56	expand	expand	VERB
fbem-14089	70	57	to	to	ADP
fbem-14089	70	58	a	a	DET
fbem-14089	70	59	variety	variety	NOUN
fbem-14089	70	60	of	of	ADP
fbem-14089	70	61	industries	industry	NOUN
fbem-14089	70	62	.	.	PUNCT
fbem-14089	71	1	with	with	ADP
fbem-14089	71	2	the	the	DET
fbem-14089	71	3	continuous	continuous	ADJ
fbem-14089	71	4	development	development	NOUN
fbem-14089	71	5	of	of	ADP
fbem-14089	71	6	alipay	alipay	PROPN
fbem-14089	71	7	,	,	PUNCT
fbem-14089	71	8	its	its	PRON
fbem-14089	71	9	business	business	NOUN
fbem-14089	71	10	area	area	NOUN
fbem-14089	71	11	is	be	AUX
fbem-14089	71	12	not	not	PART
fbem-14089	71	13	180	180	NUM
fbem-14089	71	14	only	only	ADV
fbem-14089	71	15	limited	limit	VERB
fbem-14089	71	16	to	to	ADP
fbem-14089	71	17	online	online	ADJ
fbem-14089	71	18	shopping	shopping	NOUN
fbem-14089	71	19	,	,	PUNCT
fbem-14089	71	20	and	and	CCONJ
fbem-14089	71	21	has	have	AUX
fbem-14089	71	22	begun	begin	VERB
fbem-14089	71	23	to	to	PART
fbem-14089	71	24	expand	expand	VERB
fbem-14089	71	25	to	to	ADP
fbem-14089	71	26	a	a	DET
fbem-14089	71	27	number	number	NOUN
fbem-14089	71	28	of	of	ADP
fbem-14089	71	29	industries	industry	NOUN
fbem-14089	71	30	.	.	PUNCT
fbem-14089	72	1	2004	2004	NUM
fbem-14089	72	2	,	,	PUNCT
fbem-14089	72	3	commercial	commercial	ADJ
fbem-14089	72	4	banks	bank	NOUN
fbem-14089	72	5	have	have	AUX
fbem-14089	72	6	launched	launch	VERB
fbem-14089	72	7	fast	fast	ADJ
fbem-14089	72	8	payment	payment	NOUN
fbem-14089	72	9	business	business	NOUN
fbem-14089	72	10	,	,	PUNCT
fbem-14089	72	11	but	but	CCONJ
fbem-14089	72	12	at	at	ADP
fbem-14089	72	13	that	that	DET
fbem-14089	72	14	time	time	NOUN
fbem-14089	72	15	its	its	PRON
fbem-14089	72	16	business	business	NOUN
fbem-14089	72	17	is	be	AUX
fbem-14089	72	18	difficult	difficult	ADJ
fbem-14089	72	19	to	to	PART
fbem-14089	72	20	spread	spread	VERB
fbem-14089	72	21	,	,	PUNCT
fbem-14089	72	22	and	and	CCONJ
fbem-14089	72	23	alipay	alipay	PROPN
fbem-14089	72	24	caught	catch	VERB
fbem-14089	72	25	the	the	DET
fbem-14089	72	26	opportunity	opportunity	NOUN
fbem-14089	72	27	to	to	PART
fbem-14089	72	28	actively	actively	ADV
fbem-14089	72	29	cooperate	cooperate	VERB
fbem-14089	72	30	with	with	ADP
fbem-14089	72	31	major	major	ADJ
fbem-14089	72	32	banks	bank	NOUN
fbem-14089	72	33	,	,	PUNCT
fbem-14089	72	34	and	and	CCONJ
fbem-14089	72	35	in	in	ADP
fbem-14089	72	36	december	december	PROPN
fbem-14089	72	37	8	8	NUM
fbem-14089	72	38	that	that	DET
fbem-14089	72	39	year	year	NOUN
fbem-14089	72	40	independent	independent	ADJ
fbem-14089	72	41	of	of	ADP
fbem-14089	72	42	the	the	DET
fbem-14089	72	43	third	third	ADJ
fbem-14089	72	44	-	-	PUNCT
fbem-14089	72	45	party	party	NOUN
fbem-14089	72	46	payment	payment	NOUN
fbem-14089	72	47	transformation	transformation	NOUN
fbem-14089	72	48	.	.	PUNCT
fbem-14089	73	1	in	in	ADP
fbem-14089	73	2	2009	2009	NUM
fbem-14089	73	3	,	,	PUNCT
fbem-14089	73	4	alipay	alipay	PROPN
fbem-14089	73	5	mobile	mobile	PROPN
fbem-14089	73	6	client	client	PROPN
fbem-14089	73	7	was	be	AUX
fbem-14089	73	8	launched	launch	VERB
fbem-14089	73	9	online	online	ADV
fbem-14089	73	10	,	,	PUNCT
fbem-14089	73	11	officially	officially	ADV
fbem-14089	73	12	launching	launch	VERB
fbem-14089	73	13	mobile	mobile	ADJ
fbem-14089	73	14	payment	payment	NOUN
fbem-14089	73	15	services	service	NOUN
fbem-14089	73	16	and	and	CCONJ
fbem-14089	73	17	services	service	NOUN
fbem-14089	73	18	to	to	PART
fbem-14089	73	19	further	far	ADV
fbem-14089	73	20	expand	expand	VERB
fbem-14089	73	21	the	the	DET
fbem-14089	73	22	field	field	NOUN
fbem-14089	73	23	of	of	ADP
fbem-14089	73	24	mobile	mobile	NOUN
fbem-14089	73	25	payment.in	payment.in	PROPN
fbem-14089	73	26	june	june	PROPN
fbem-14089	73	27	2013	2013	NUM
fbem-14089	73	28	,	,	PUNCT
fbem-14089	73	29	alipay	alipay	PROPN
fbem-14089	73	30	went	go	VERB
fbem-14089	73	31	online	online	ADV
fbem-14089	73	32	with	with	ADP
fbem-14089	73	33	balance	balance	NOUN
fbem-14089	73	34	treasure	treasure	NOUN
fbem-14089	73	35	,	,	PUNCT
fbem-14089	73	36	whose	whose	DET
fbem-14089	73	37	annualised	annualised	ADJ
fbem-14089	73	38	return	return	NOUN
fbem-14089	73	39	was	be	AUX
fbem-14089	73	40	much	much	ADV
fbem-14089	73	41	higher	high	ADJ
fbem-14089	73	42	than	than	ADP
fbem-14089	73	43	that	that	PRON
fbem-14089	73	44	of	of	ADP
fbem-14089	73	45	banks	bank	NOUN
fbem-14089	73	46	in	in	ADP
fbem-14089	73	47	the	the	DET
fbem-14089	73	48	same	same	ADJ
fbem-14089	73	49	period	period	NOUN
fbem-14089	73	50	,	,	PUNCT
fbem-14089	73	51	and	and	CCONJ
fbem-14089	73	52	was	be	AUX
fbem-14089	73	53	highly	highly	ADV
fbem-14089	73	54	sought	seek	VERB
fbem-14089	73	55	after	after	ADP
fbem-14089	73	56	by	by	ADP
fbem-14089	73	57	the	the	DET
fbem-14089	73	58	market	market	NOUN
fbem-14089	73	59	as	as	ADV
fbem-14089	73	60	soon	soon	ADV
fbem-14089	73	61	as	as	SCONJ
fbem-14089	73	62	it	it	PRON
fbem-14089	73	63	was	be	AUX
fbem-14089	73	64	launched	launch	VERB
fbem-14089	73	65	,	,	PUNCT
fbem-14089	73	66	and	and	CCONJ
fbem-14089	73	67	as	as	ADP
fbem-14089	73	68	of	of	ADP
fbem-14089	73	69	the	the	DET
fbem-14089	73	70	end	end	NOUN
fbem-14089	73	71	of	of	ADP
fbem-14089	73	72	the	the	DET
fbem-14089	73	73	year	year	NOUN
fbem-14089	73	74	,	,	PUNCT
fbem-14089	73	75	the	the	DET
fbem-14089	73	76	balance	balance	NOUN
fbem-14089	73	77	of	of	ADP
fbem-14089	73	78	balance	balance	NOUN
fbem-14089	73	79	treasure	treasure	NOUN
fbem-14089	73	80	had	have	AUX
fbem-14089	73	81	reached	reach	VERB
fbem-14089	73	82	185.3	185.3	NUM
fbem-14089	73	83	billion	billion	NUM
fbem-14089	73	84	yuan	yuan	NOUN
fbem-14089	73	85	,	,	PUNCT
fbem-14089	73	86	which	which	PRON
fbem-14089	73	87	had	have	VERB
fbem-14089	73	88	a	a	DET
fbem-14089	73	89	great	great	ADJ
fbem-14089	73	90	impact	impact	NOUN
fbem-14089	73	91	on	on	ADP
fbem-14089	73	92	the	the	DET
fbem-14089	73	93	deposits	deposit	NOUN
fbem-14089	73	94	of	of	ADP
fbem-14089	73	95	commercial	commercial	ADJ
fbem-14089	73	96	banks	bank	NOUN
fbem-14089	73	97	.	.	PUNCT
fbem-14089	74	1	meanwhile	meanwhile	ADV
fbem-14089	74	2	,	,	PUNCT
fbem-14089	74	3	as	as	ADP
fbem-14089	74	4	of	of	ADP
fbem-14089	74	5	the	the	DET
fbem-14089	74	6	end	end	NOUN
fbem-14089	74	7	of	of	ADP
fbem-14089	74	8	june	june	PROPN
fbem-14089	74	9	2017	2017	NUM
fbem-14089	74	10	,	,	PUNCT
fbem-14089	74	11	the	the	DET
fbem-14089	74	12	volume	volume	NOUN
fbem-14089	74	13	of	of	ADP
fbem-14089	74	14	balance	balance	NOUN
fbem-14089	74	15	treasure	treasure	NOUN
fbem-14089	74	16	funds	fund	NOUN
fbem-14089	74	17	reached	reach	VERB
fbem-14089	74	18	1.4	1.4	NUM
fbem-14089	74	19	trillion	trillion	NUM
fbem-14089	74	20	yuan	yuan	NOUN
fbem-14089	74	21	,	,	PUNCT
fbem-14089	74	22	exceeding	exceed	VERB
fbem-14089	74	23	the	the	DET
fbem-14089	74	24	deposits	deposit	NOUN
fbem-14089	74	25	of	of	ADP
fbem-14089	74	26	many	many	ADJ
fbem-14089	74	27	banks	bank	NOUN
fbem-14089	74	28	,	,	PUNCT
fbem-14089	74	29	causing	cause	VERB
fbem-14089	74	30	a	a	DET
fbem-14089	74	31	high	high	ADJ
fbem-14089	74	32	degree	degree	NOUN
fbem-14089	74	33	of	of	ADP
fbem-14089	74	34	vigilance	vigilance	NOUN
fbem-14089	74	35	in	in	ADP
fbem-14089	74	36	the	the	DET
fbem-14089	74	37	banking	banking	NOUN
fbem-14089	74	38	industry	industry	NOUN
fbem-14089	74	39	.	.	PUNCT
fbem-14089	75	1	subsequently	subsequently	ADV
fbem-14089	75	2	,	,	PUNCT
fbem-14089	75	3	the	the	DET
fbem-14089	75	4	central	central	ADJ
fbem-14089	75	5	bank	bank	NOUN
fbem-14089	75	6	strengthened	strengthen	VERB
fbem-14089	75	7	the	the	DET
fbem-14089	75	8	regulation	regulation	NOUN
fbem-14089	75	9	of	of	ADP
fbem-14089	75	10	alipay	alipay	PROPN
fbem-14089	75	11	and	and	CCONJ
fbem-14089	75	12	imposed	impose	VERB
fbem-14089	75	13	quotas	quota	NOUN
fbem-14089	75	14	on	on	ADP
fbem-14089	75	15	it	it	PRON
fbem-14089	75	16	.	.	PUNCT
fbem-14089	76	1	from	from	ADP
fbem-14089	76	2	may	may	PROPN
fbem-14089	76	3	to	to	ADP
fbem-14089	76	4	december	december	PROPN
fbem-14089	76	5	2017	2017	NUM
fbem-14089	76	6	,	,	PUNCT
fbem-14089	76	7	alipay	alipay	PROPN
fbem-14089	76	8	underwent	undergo	VERB
fbem-14089	76	9	three	three	NUM
fbem-14089	76	10	quota	quota	NOUN
fbem-14089	76	11	treatments	treatment	NOUN
fbem-14089	76	12	,	,	PUNCT
fbem-14089	76	13	with	with	ADP
fbem-14089	76	14	the	the	DET
fbem-14089	76	15	amount	amount	NOUN
fbem-14089	76	16	reduced	reduce	VERB
fbem-14089	76	17	from	from	ADP
fbem-14089	76	18	250,000	250,000	NUM
fbem-14089	76	19	yuan	yuan	NOUN
fbem-14089	76	20	to	to	ADP
fbem-14089	76	21	20,000	20,000	NUM
fbem-14089	76	22	yuan	yuan	NOUN
fbem-14089	76	23	.	.	PUNCT
fbem-14089	77	1	currently	currently	ADV
fbem-14089	77	2	,	,	PUNCT
fbem-14089	77	3	balance	balance	NOUN
fbem-14089	77	4	treasure	treasure	NOUN
fbem-14089	77	5	puts	put	VERB
fbem-14089	77	6	a	a	DET
fbem-14089	77	7	limit	limit	NOUN
fbem-14089	77	8	on	on	ADP
fbem-14089	77	9	the	the	DET
fbem-14089	77	10	total	total	ADJ
fbem-14089	77	11	amount	amount	NOUN
fbem-14089	77	12	of	of	ADP
fbem-14089	77	13	subscriptions	subscription	NOUN
fbem-14089	77	14	per	per	ADP
fbem-14089	77	15	day	day	NOUN
fbem-14089	77	16	,	,	PUNCT
fbem-14089	77	17	and	and	CCONJ
fbem-14089	77	18	you	you	PRON
fbem-14089	77	19	need	need	VERB
fbem-14089	77	20	to	to	PART
fbem-14089	77	21	grab	grab	VERB
fbem-14089	77	22	it	it	PRON
fbem-14089	77	23	to	to	PART
fbem-14089	77	24	be	be	AUX
fbem-14089	77	25	able	able	ADJ
fbem-14089	77	26	to	to	PART
fbem-14089	77	27	buy	buy	VERB
fbem-14089	77	28	it	it	PRON
fbem-14089	77	29	.	.	PUNCT
fbem-14089	78	1	on	on	ADP
fbem-14089	78	2	4	4	NUM
fbem-14089	78	3	august	august	NOUN
fbem-14089	78	4	of	of	ADP
fbem-14089	78	5	the	the	DET
fbem-14089	78	6	same	same	ADJ
fbem-14089	78	7	year	year	NOUN
fbem-14089	78	8	,	,	PUNCT
fbem-14089	78	9	the	the	DET
fbem-14089	78	10	payment	payment	NOUN
fbem-14089	78	11	and	and	CCONJ
fbem-14089	78	12	settlement	settlement	NOUN
fbem-14089	78	13	department	department	PROPN
fbem-14089	78	14	of	of	ADP
fbem-14089	78	15	the	the	DET
fbem-14089	78	16	central	central	ADJ
fbem-14089	78	17	bank	bank	NOUN
fbem-14089	78	18	issued	issue	VERB
fbem-14089	78	19	a	a	DET
fbem-14089	78	20	notice	notice	NOUN
fbem-14089	78	21	requiring	require	VERB
fbem-14089	78	22	alipay	alipay	PROPN
fbem-14089	78	23	and	and	CCONJ
fbem-14089	78	24	other	other	ADJ
fbem-14089	78	25	institutions	institution	NOUN
fbem-14089	78	26	to	to	PART
fbem-14089	78	27	access	access	VERB
fbem-14089	78	28	the	the	DET
fbem-14089	78	29	netlink	netlink	PROPN
fbem-14089	78	30	platform	platform	NOUN
fbem-14089	78	31	in	in	ADP
fbem-14089	78	32	order	order	NOUN
fbem-14089	78	33	to	to	PART
fbem-14089	78	34	strengthen	strengthen	VERB
fbem-14089	78	35	the	the	DET
fbem-14089	78	36	supervision	supervision	NOUN
fbem-14089	78	37	and	and	CCONJ
fbem-14089	78	38	constraints	constraint	NOUN
fbem-14089	78	39	on	on	ADP
fbem-14089	78	40	nonbank	nonbank	NOUN
fbem-14089	78	41	payment	payment	NOUN
fbem-14089	78	42	institutions	institution	NOUN
fbem-14089	78	43	.	.	PUNCT
fbem-14089	79	1	4.2	4.2	NUM
fbem-14089	79	2	.	.	PUNCT
fbem-14089	79	3	impact	impact	NOUN
fbem-14089	79	4	of	of	ADP
fbem-14089	79	5	alipay	alipay	PROPN
fbem-14089	79	6	on	on	ADP
fbem-14089	79	7	commercial	commercial	ADJ
fbem-14089	79	8	banks	bank	NOUN
fbem-14089	79	9	in	in	ADP
fbem-14089	79	10	april	april	PROPN
fbem-14089	79	11	2013	2013	NUM
fbem-14089	79	12	,	,	PUNCT
fbem-14089	79	13	alipay	alipay	PROPN
fbem-14089	79	14	launched	launch	VERB
fbem-14089	79	15	the	the	DET
fbem-14089	79	16	transfer	transfer	NOUN
fbem-14089	79	17	business	business	NOUN
fbem-14089	79	18	,	,	PUNCT
fbem-14089	79	19	which	which	PRON
fbem-14089	79	20	allows	allow	VERB
fbem-14089	79	21	users	user	NOUN
fbem-14089	79	22	to	to	PART
fbem-14089	79	23	transfer	transfer	VERB
fbem-14089	79	24	money	money	NOUN
fbem-14089	79	25	without	without	ADP
fbem-14089	79	26	paying	pay	VERB
fbem-14089	79	27	a	a	DET
fbem-14089	79	28	handling	handling	NOUN
fbem-14089	79	29	fee	fee	NOUN
fbem-14089	79	30	within	within	ADP
fbem-14089	79	31	a	a	DET
fbem-14089	79	32	limited	limited	ADJ
fbem-14089	79	33	free	free	ADJ
fbem-14089	79	34	amount	amount	NOUN
fbem-14089	79	35	of	of	ADP
fbem-14089	79	36	transfers	transfer	NOUN
fbem-14089	79	37	per	per	ADP
fbem-14089	79	38	day	day	NOUN
fbem-14089	79	39	,	,	PUNCT
fbem-14089	79	40	and	and	CCONJ
fbem-14089	79	41	the	the	DET
fbem-14089	79	42	amount	amount	NOUN
fbem-14089	79	43	of	of	ADP
fbem-14089	79	44	transfers	transfer	NOUN
fbem-14089	79	45	per	per	ADP
fbem-14089	79	46	day	day	NOUN
fbem-14089	79	47	does	do	AUX
fbem-14089	79	48	not	not	PART
fbem-14089	79	49	exceed	exceed	VERB
fbem-14089	79	50	50,000	50,000	NUM
fbem-14089	79	51	yuan	yuan	NOUN
fbem-14089	79	52	.	.	PUNCT
fbem-14089	80	1	at	at	ADP
fbem-14089	80	2	that	that	DET
fbem-14089	80	3	time	time	NOUN
fbem-14089	80	4	,	,	PUNCT
fbem-14089	80	5	major	major	ADJ
fbem-14089	80	6	banks	bank	NOUN
fbem-14089	80	7	were	be	AUX
fbem-14089	80	8	charging	charge	VERB
fbem-14089	80	9	handling	handle	VERB
fbem-14089	80	10	fees	fee	NOUN
fbem-14089	80	11	for	for	ADP
fbem-14089	80	12	transfers	transfer	NOUN
fbem-14089	80	13	,	,	PUNCT
fbem-14089	80	14	and	and	CCONJ
fbem-14089	80	15	the	the	DET
fbem-14089	80	16	launch	launch	NOUN
fbem-14089	80	17	of	of	ADP
fbem-14089	80	18	this	this	DET
fbem-14089	80	19	service	service	NOUN
fbem-14089	80	20	brought	bring	VERB
fbem-14089	80	21	great	great	ADJ
fbem-14089	80	22	convenience	convenience	NOUN
fbem-14089	80	23	and	and	CCONJ
fbem-14089	80	24	benefits	benefit	NOUN
fbem-14089	80	25	to	to	ADP
fbem-14089	80	26	the	the	DET
fbem-14089	80	27	majority	majority	NOUN
fbem-14089	80	28	of	of	ADP
fbem-14089	80	29	users	user	NOUN
fbem-14089	80	30	.	.	PUNCT
fbem-14089	81	1	customers	customer	NOUN
fbem-14089	81	2	are	be	AUX
fbem-14089	81	3	mostly	mostly	ADV
fbem-14089	81	4	more	more	ADV
fbem-14089	81	5	willing	willing	ADJ
fbem-14089	81	6	to	to	PART
fbem-14089	81	7	choose	choose	VERB
fbem-14089	81	8	alipay	alipay	PROPN
fbem-14089	81	9	as	as	ADP
fbem-14089	81	10	their	their	PRON
fbem-14089	81	11	transfer	transfer	NOUN
fbem-14089	81	12	tool	tool	NOUN
fbem-14089	81	13	,	,	PUNCT
fbem-14089	81	14	which	which	PRON
fbem-14089	81	15	makes	make	VERB
fbem-14089	81	16	the	the	DET
fbem-14089	81	17	commercial	commercial	ADJ
fbem-14089	81	18	bank	bank	NOUN
fbem-14089	81	19	transfer	transfer	NOUN
fbem-14089	81	20	business	business	NOUN
fbem-14089	81	21	partially	partially	ADV
fbem-14089	81	22	lost	lose	VERB
fbem-14089	81	23	customer	customer	NOUN
fbem-14089	81	24	base	base	NOUN
fbem-14089	81	25	,	,	PUNCT
fbem-14089	81	26	but	but	CCONJ
fbem-14089	81	27	has	have	VERB
fbem-14089	81	28	an	an	DET
fbem-14089	81	29	impact	impact	NOUN
fbem-14089	81	30	on	on	ADP
fbem-14089	81	31	the	the	DET
fbem-14089	81	32	transfer	transfer	NOUN
fbem-14089	81	33	business	business	NOUN
fbem-14089	81	34	of	of	ADP
fbem-14089	81	35	commercial	commercial	ADJ
fbem-14089	81	36	banks	bank	NOUN
fbem-14089	81	37	.	.	PUNCT
fbem-14089	82	1	when	when	SCONJ
fbem-14089	82	2	users	user	NOUN
fbem-14089	82	3	use	use	VERB
fbem-14089	82	4	balance	balance	NOUN
fbem-14089	82	5	treasure	treasure	NOUN
fbem-14089	82	6	,	,	PUNCT
fbem-14089	82	7	not	not	PART
fbem-14089	82	8	only	only	ADV
fbem-14089	82	9	can	can	AUX
fbem-14089	82	10	they	they	PRON
fbem-14089	82	11	get	get	VERB
fbem-14089	82	12	interest	interest	NOUN
fbem-14089	82	13	income	income	NOUN
fbem-14089	82	14	,	,	PUNCT
fbem-14089	82	15	but	but	CCONJ
fbem-14089	82	16	also	also	ADV
fbem-14089	82	17	the	the	DET
fbem-14089	82	18	money	money	NOUN
fbem-14089	82	19	in	in	ADP
fbem-14089	82	20	balance	balance	NOUN
fbem-14089	82	21	treasure	treasure	NOUN
fbem-14089	82	22	can	can	AUX
fbem-14089	82	23	be	be	AUX
fbem-14089	82	24	taken	take	VERB
fbem-14089	82	25	out	out	ADP
fbem-14089	82	26	at	at	ADP
fbem-14089	82	27	any	any	DET
fbem-14089	82	28	time	time	NOUN
fbem-14089	82	29	without	without	ADP
fbem-14089	82	30	affecting	affect	VERB
fbem-14089	82	31	its	its	PRON
fbem-14089	82	32	payment	payment	NOUN
fbem-14089	82	33	function	function	NOUN
fbem-14089	82	34	in	in	ADP
fbem-14089	82	35	any	any	DET
fbem-14089	82	36	way	way	NOUN
fbem-14089	82	37	,	,	PUNCT
fbem-14089	82	38	and	and	CCONJ
fbem-14089	82	39	all	all	DET
fbem-14089	82	40	these	these	DET
fbem-14089	82	41	operations	operation	NOUN
fbem-14089	82	42	are	be	AUX
fbem-14089	82	43	free	free	ADJ
fbem-14089	82	44	of	of	ADP
fbem-14089	82	45	charge	charge	NOUN
fbem-14089	82	46	.	.	PUNCT
fbem-14089	83	1	even	even	ADV
fbem-14089	83	2	the	the	DET
fbem-14089	83	3	interest	interest	NOUN
fbem-14089	83	4	on	on	ADP
fbem-14089	83	5	the	the	DET
fbem-14089	83	6	balance	balance	NOUN
fbem-14089	83	7	treasure	treasure	NOUN
fbem-14089	83	8	exceeds	exceed	VERB
fbem-14089	83	9	the	the	DET
fbem-14089	83	10	interest	interest	NOUN
fbem-14089	83	11	on	on	ADP
fbem-14089	83	12	time	time	NOUN
fbem-14089	83	13	deposits	deposit	NOUN
fbem-14089	83	14	of	of	ADP
fbem-14089	83	15	major	major	ADJ
fbem-14089	83	16	commercial	commercial	ADJ
fbem-14089	83	17	banks	bank	NOUN
fbem-14089	83	18	.	.	PUNCT
fbem-14089	84	1	the	the	DET
fbem-14089	84	2	launch	launch	NOUN
fbem-14089	84	3	of	of	ADP
fbem-14089	84	4	balance	balance	NOUN
fbem-14089	84	5	treasure	treasure	NOUN
fbem-14089	84	6	has	have	AUX
fbem-14089	84	7	had	have	VERB
fbem-14089	84	8	a	a	DET
fbem-14089	84	9	certain	certain	ADJ
fbem-14089	84	10	impact	impact	NOUN
fbem-14089	84	11	on	on	ADP
fbem-14089	84	12	the	the	DET
fbem-14089	84	13	deposit	deposit	NOUN
fbem-14089	84	14	business	business	NOUN
fbem-14089	84	15	and	and	CCONJ
fbem-14089	84	16	short	short	ADJ
fbem-14089	84	17	-	-	PUNCT
fbem-14089	84	18	term	term	NOUN
fbem-14089	84	19	financial	financial	ADJ
fbem-14089	84	20	product	product	NOUN
fbem-14089	84	21	business	business	NOUN
fbem-14089	84	22	of	of	ADP
fbem-14089	84	23	commercial	commercial	ADJ
fbem-14089	84	24	banks	bank	NOUN
fbem-14089	84	25	.	.	PUNCT
fbem-14089	85	1	meanwhile	meanwhile	ADV
fbem-14089	85	2	,	,	PUNCT
fbem-14089	85	3	alipay	alipay	PROPN
fbem-14089	85	4	,	,	PUNCT
fbem-14089	85	5	as	as	ADP
fbem-14089	85	6	the	the	DET
fbem-14089	85	7	largest	large	ADJ
fbem-14089	85	8	thirdparty	thirdparty	NOUN
fbem-14089	85	9	payment	payment	NOUN
fbem-14089	85	10	platform	platform	NOUN
fbem-14089	85	11	,	,	PUNCT
fbem-14089	85	12	has	have	VERB
fbem-14089	85	13	a	a	DET
fbem-14089	85	14	large	large	ADJ
fbem-14089	85	15	amount	amount	NOUN
fbem-14089	85	16	of	of	ADP
fbem-14089	85	17	customer	customer	NOUN
fbem-14089	85	18	funds	fund	NOUN
fbem-14089	85	19	,	,	PUNCT
fbem-14089	85	20	and	and	CCONJ
fbem-14089	85	21	wealth	wealth	NOUN
fbem-14089	85	22	management	management	NOUN
fbem-14089	85	23	products	product	NOUN
fbem-14089	85	24	such	such	ADJ
fbem-14089	85	25	as	as	ADP
fbem-14089	85	26	balance	balance	NOUN
fbem-14089	85	27	treasure	treasure	NOUN
fbem-14089	85	28	occupy	occupy	VERB
fbem-14089	85	29	a	a	DET
fbem-14089	85	30	large	large	ADJ
fbem-14089	85	31	market	market	NOUN
fbem-14089	85	32	share	share	NOUN
fbem-14089	85	33	.	.	PUNCT
fbem-14089	86	1	it	it	PRON
fbem-14089	86	2	also	also	ADV
fbem-14089	86	3	has	have	VERB
fbem-14089	86	4	a	a	DET
fbem-14089	86	5	significant	significant	ADJ
fbem-14089	86	6	impact	impact	NOUN
fbem-14089	86	7	on	on	ADP
fbem-14089	86	8	the	the	DET
fbem-14089	86	9	business	business	NOUN
fbem-14089	86	10	and	and	CCONJ
fbem-14089	86	11	asset	asset	NOUN
fbem-14089	86	12	business	business	NOUN
fbem-14089	86	13	of	of	ADP
fbem-14089	86	14	commercial	commercial	ADJ
fbem-14089	86	15	banks	bank	NOUN
fbem-14089	86	16	.	.	PUNCT
fbem-14089	87	1	in	in	ADP
fbem-14089	87	2	2015	2015	NUM
fbem-14089	87	3	,	,	PUNCT
fbem-14089	87	4	alipay	alipay	PROPN
fbem-14089	87	5	launched	launch	VERB
fbem-14089	87	6	two	two	NUM
fbem-14089	87	7	new	new	ADJ
fbem-14089	87	8	services	service	NOUN
fbem-14089	87	9	ant	ant	NOUN
fbem-14089	87	10	chanting	chant	VERB
fbem-14089	87	11	(	(	PUNCT
fbem-14089	87	12	or	or	CCONJ
fbem-14089	87	13	chanting	chant	VERB
fbem-14089	87	14	)	)	PUNCT
fbem-14089	87	15	and	and	CCONJ
fbem-14089	87	16	ant	ant	ADJ
fbem-14089	87	17	borrowing	borrowing	NOUN
fbem-14089	87	18	(	(	PUNCT
fbem-14089	87	19	or	or	CCONJ
fbem-14089	87	20	borrowing	borrowing	NOUN
fbem-14089	87	21	)	)	PUNCT
fbem-14089	87	22	.	.	PUNCT
fbem-14089	88	1	chanting	chant	VERB
fbem-14089	88	2	is	be	AUX
fbem-14089	88	3	a	a	DET
fbem-14089	88	4	consumer	consumer	NOUN
fbem-14089	88	5	credit	credit	NOUN
fbem-14089	88	6	product	product	NOUN
fbem-14089	88	7	with	with	ADP
fbem-14089	88	8	up	up	ADP
fbem-14089	88	9	to	to	PART
fbem-14089	88	10	41	41	NUM
fbem-14089	88	11	days	day	NOUN
fbem-14089	88	12	of	of	ADP
fbem-14089	88	13	interest	interest	NOUN
fbem-14089	88	14	free	free	ADJ
fbem-14089	88	15	,	,	PUNCT
fbem-14089	88	16	which	which	PRON
fbem-14089	88	17	allows	allow	VERB
fbem-14089	88	18	users	user	NOUN
fbem-14089	88	19	to	to	PART
fbem-14089	88	20	spend	spend	VERB
fbem-14089	88	21	first	first	ADV
fbem-14089	88	22	and	and	CCONJ
fbem-14089	88	23	pay	pay	VERB
fbem-14089	88	24	later	later	ADV
fbem-14089	88	25	,	,	PUNCT
fbem-14089	88	26	and	and	CCONJ
fbem-14089	88	27	the	the	DET
fbem-14089	88	28	amount	amount	NOUN
fbem-14089	88	29	will	will	AUX
fbem-14089	88	30	gradually	gradually	ADV
fbem-14089	88	31	increase	increase	VERB
fbem-14089	88	32	with	with	ADP
fbem-14089	88	33	the	the	DET
fbem-14089	88	34	increase	increase	NOUN
fbem-14089	88	35	of	of	ADP
fbem-14089	88	36	reputation	reputation	NOUN
fbem-14089	88	37	value	value	NOUN
fbem-14089	88	38	.	.	PUNCT
fbem-14089	89	1	borrowing	borrowing	NOUN
fbem-14089	89	2	is	be	AUX
fbem-14089	89	3	a	a	DET
fbem-14089	89	4	loan	loan	NOUN
fbem-14089	89	5	service	service	NOUN
fbem-14089	89	6	with	with	ADP
fbem-14089	89	7	a	a	DET
fbem-14089	89	8	daily	daily	ADJ
fbem-14089	89	9	interest	interest	NOUN
fbem-14089	89	10	rate	rate	NOUN
fbem-14089	89	11	of	of	ADP
fbem-14089	89	12	four	four	NUM
fbem-14089	89	13	ten	ten	NUM
fbem-14089	89	14	thousandths	thousandth	NOUN
fbem-14089	89	15	.	.	PUNCT
fbem-14089	90	1	users	user	NOUN
fbem-14089	90	2	who	who	PRON
fbem-14089	90	3	also	also	ADV
fbem-14089	90	4	display	display	VERB
fbem-14089	90	5	a	a	DET
fbem-14089	90	6	sesame	sesame	ADJ
fbem-14089	90	7	credit	credit	NOUN
fbem-14089	90	8	personal	personal	NOUN
fbem-14089	90	9	(	(	PUNCT
fbem-14089	90	10	ant	ant	ADJ
fbem-14089	90	11	gold	gold	NOUN
fbem-14089	90	12	's	's	PART
fbem-14089	90	13	independent	independent	ADJ
fbem-14089	90	14	third	third	ADJ
fbem-14089	90	15	-	-	PUNCT
fbem-14089	90	16	party	party	NOUN
fbem-14089	90	17	credit	credit	NOUN
fbem-14089	90	18	reporting	reporting	NOUN
fbem-14089	90	19	agency	agency	NOUN
fbem-14089	90	20	that	that	PRON
fbem-14089	90	21	objectively	objectively	ADV
fbem-14089	90	22	presents	present	VERB
fbem-14089	90	23	an	an	DET
fbem-14089	90	24	individual	individual	NOUN
fbem-14089	90	25	's	's	PART
fbem-14089	90	26	credit	credit	NOUN
fbem-14089	90	27	status	status	NOUN
fbem-14089	90	28	through	through	ADP
fbem-14089	90	29	cloud	cloud	NOUN
fbem-14089	90	30	computing	computing	NOUN
fbem-14089	90	31	,	,	PUNCT
fbem-14089	90	32	machine	machine	NOUN
fbem-14089	90	33	learning	learning	NOUN
fbem-14089	90	34	and	and	CCONJ
fbem-14089	90	35	other	other	ADJ
fbem-14089	90	36	technologies	technology	NOUN
fbem-14089	90	37	)	)	PUNCT
fbem-14089	90	38	score	score	NOUN
fbem-14089	90	39	of	of	ADP
fbem-14089	90	40	600	600	NUM
fbem-14089	90	41	or	or	CCONJ
fbem-14089	90	42	more	more	ADJ
fbem-14089	90	43	will	will	AUX
fbem-14089	90	44	be	be	AUX
fbem-14089	90	45	able	able	ADJ
fbem-14089	90	46	to	to	PART
fbem-14089	90	47	apply	apply	VERB
fbem-14089	90	48	for	for	ADP
fbem-14089	90	49	a	a	DET
fbem-14089	90	50	microloan	microloan	NOUN
fbem-14089	90	51	with	with	ADP
fbem-14089	90	52	a	a	DET
fbem-14089	90	53	credit	credit	NOUN
fbem-14089	90	54	limit	limit	NOUN
fbem-14089	90	55	of	of	ADP
fbem-14089	90	56	between	between	ADP
fbem-14089	90	57	1,000	1,000	NUM
fbem-14089	90	58	-	-	SYM
fbem-14089	90	59	300,000	300,000	NUM
fbem-14089	90	60	yuan	yuan	NOUN
fbem-14089	90	61	.	.	PUNCT
fbem-14089	91	1	users	user	NOUN
fbem-14089	91	2	can	can	AUX
fbem-14089	91	3	also	also	ADV
fbem-14089	91	4	choose	choose	VERB
fbem-14089	91	5	to	to	PART
fbem-14089	91	6	pay	pay	VERB
fbem-14089	91	7	in	in	ADP
fbem-14089	91	8	instalments	instalment	NOUN
fbem-14089	91	9	when	when	SCONJ
fbem-14089	91	10	making	make	VERB
fbem-14089	91	11	payments	payment	NOUN
fbem-14089	91	12	,	,	PUNCT
fbem-14089	91	13	and	and	CCONJ
fbem-14089	91	14	the	the	DET
fbem-14089	91	15	loan	loan	NOUN
fbem-14089	91	16	procedure	procedure	NOUN
fbem-14089	91	17	is	be	AUX
fbem-14089	91	18	also	also	ADV
fbem-14089	91	19	very	very	ADV
fbem-14089	91	20	convenient	convenient	ADJ
fbem-14089	91	21	and	and	CCONJ
fbem-14089	91	22	efficient	efficient	ADJ
fbem-14089	91	23	.	.	PUNCT
fbem-14089	92	1	the	the	DET
fbem-14089	92	2	introduction	introduction	NOUN
fbem-14089	92	3	of	of	ADP
fbem-14089	92	4	gardens	garden	NOUN
fbem-14089	92	5	and	and	CCONJ
fbem-14089	92	6	loans	loan	NOUN
fbem-14089	92	7	has	have	AUX
fbem-14089	92	8	had	have	VERB
fbem-14089	92	9	an	an	DET
fbem-14089	92	10	impact	impact	NOUN
fbem-14089	92	11	on	on	ADP
fbem-14089	92	12	the	the	DET
fbem-14089	92	13	credit	credit	NOUN
fbem-14089	92	14	card	card	NOUN
fbem-14089	92	15	business	business	NOUN
fbem-14089	92	16	and	and	CCONJ
fbem-14089	92	17	loan	loan	NOUN
fbem-14089	92	18	business	business	NOUN
fbem-14089	92	19	of	of	ADP
fbem-14089	92	20	commercial	commercial	ADJ
fbem-14089	92	21	banks	bank	NOUN
fbem-14089	92	22	.	.	PUNCT
fbem-14089	93	1	alipay	alipay	PROPN
fbem-14089	93	2	has	have	VERB
fbem-14089	93	3	advanced	advanced	ADJ
fbem-14089	93	4	network	network	NOUN
fbem-14089	93	5	technology	technology	NOUN
fbem-14089	93	6	can	can	AUX
fbem-14089	93	7	be	be	AUX
fbem-14089	93	8	a	a	DET
fbem-14089	93	9	large	large	ADJ
fbem-14089	93	10	number	number	NOUN
fbem-14089	93	11	of	of	ADP
fbem-14089	93	12	customer	customer	NOUN
fbem-14089	93	13	base	base	NOUN
fbem-14089	93	14	,	,	PUNCT
fbem-14089	93	15	alipay	alipay	PROPN
fbem-14089	93	16	users	user	NOUN
fbem-14089	93	17	can	can	AUX
fbem-14089	93	18	achieve	achieve	VERB
fbem-14089	93	19	real	real	ADJ
fbem-14089	93	20	-	-	PUNCT
fbem-14089	93	21	time	time	NOUN
fbem-14089	93	22	transfers	transfer	NOUN
fbem-14089	93	23	through	through	ADP
fbem-14089	93	24	the	the	DET
fbem-14089	93	25	network	network	NOUN
fbem-14089	93	26	or	or	CCONJ
fbem-14089	93	27	software	software	NOUN
fbem-14089	93	28	operations	operation	NOUN
fbem-14089	93	29	,	,	PUNCT
fbem-14089	93	30	customers	customer	NOUN
fbem-14089	93	31	who	who	PRON
fbem-14089	93	32	have	have	AUX
fbem-14089	93	33	not	not	PART
fbem-14089	93	34	registered	register	VERB
fbem-14089	93	35	for	for	ADP
fbem-14089	93	36	online	online	ADJ
fbem-14089	93	37	banking	banking	NOUN
fbem-14089	93	38	can	can	AUX
fbem-14089	93	39	also	also	ADV
fbem-14089	93	40	transfer	transfer	VERB
fbem-14089	93	41	money	money	NOUN
fbem-14089	93	42	through	through	ADP
fbem-14089	93	43	alipay	alipay	PROPN
fbem-14089	93	44	,	,	PUNCT
fbem-14089	93	45	which	which	PRON
fbem-14089	93	46	led	lead	VERB
fbem-14089	93	47	to	to	ADP
fbem-14089	93	48	the	the	DET
fbem-14089	93	49	loss	loss	NOUN
fbem-14089	93	50	of	of	ADP
fbem-14089	93	51	commercial	commercial	ADJ
fbem-14089	93	52	banks	bank	NOUN
fbem-14089	93	53	'	'	PART
fbem-14089	93	54	e	e	NOUN
fbem-14089	93	55	-	-	ADJ
fbem-14089	93	56	banking	banking	ADJ
fbem-14089	93	57	customers	customer	NOUN
fbem-14089	93	58	,	,	PUNCT
fbem-14089	93	59	and	and	CCONJ
fbem-14089	93	60	also	also	ADV
fbem-14089	93	61	caused	cause	VERB
fbem-14089	93	62	a	a	DET
fbem-14089	93	63	considerable	considerable	ADJ
fbem-14089	93	64	impact	impact	NOUN
fbem-14089	93	65	on	on	ADP
fbem-14089	93	66	the	the	DET
fbem-14089	93	67	settlement	settlement	NOUN
fbem-14089	93	68	business	business	NOUN
fbem-14089	93	69	of	of	ADP
fbem-14089	93	70	commercial	commercial	ADJ
fbem-14089	93	71	banks	bank	NOUN
fbem-14089	93	72	.	.	PUNCT
fbem-14089	94	1	5	5	X
fbem-14089	94	2	.	.	X
fbem-14089	94	3	conclusions	conclusion	NOUN
fbem-14089	94	4	and	and	CCONJ
fbem-14089	94	5	suggestions	suggestion	NOUN
fbem-14089	94	6	first	first	ADV
fbem-14089	94	7	,	,	PUNCT
fbem-14089	94	8	third	third	ADJ
fbem-14089	94	9	-	-	PUNCT
fbem-14089	94	10	party	party	NOUN
fbem-14089	94	11	payments	payment	NOUN
fbem-14089	94	12	have	have	AUX
fbem-14089	94	13	had	have	VERB
fbem-14089	94	14	an	an	DET
fbem-14089	94	15	impact	impact	NOUN
fbem-14089	94	16	on	on	ADP
fbem-14089	94	17	the	the	DET
fbem-14089	94	18	credit	credit	NOUN
fbem-14089	94	19	intermediary	intermediary	NOUN
fbem-14089	94	20	status	status	NOUN
fbem-14089	94	21	of	of	ADP
fbem-14089	94	22	commercial	commercial	ADJ
fbem-14089	94	23	banks	bank	NOUN
fbem-14089	94	24	by	by	ADP
fbem-14089	94	25	virtue	virtue	NOUN
fbem-14089	94	26	of	of	ADP
fbem-14089	94	27	their	their	PRON
fbem-14089	94	28	advantages	advantage	NOUN
fbem-14089	94	29	in	in	ADP
fbem-14089	94	30	sensing	sense	VERB
fbem-14089	94	31	and	and	CCONJ
fbem-14089	94	32	discovering	discover	VERB
fbem-14089	94	33	information	information	NOUN
fbem-14089	94	34	,	,	PUNCT
fbem-14089	94	35	and	and	CCONJ
fbem-14089	94	36	on	on	ADP
fbem-14089	94	37	the	the	DET
fbem-14089	94	38	payment	payment	NOUN
fbem-14089	94	39	intermediary	intermediary	NOUN
fbem-14089	94	40	status	status	NOUN
fbem-14089	94	41	of	of	ADP
fbem-14089	94	42	commercial	commercial	ADJ
fbem-14089	94	43	banks	bank	NOUN
fbem-14089	94	44	by	by	ADP
fbem-14089	94	45	virtue	virtue	NOUN
fbem-14089	94	46	of	of	ADP
fbem-14089	94	47	their	their	PRON
fbem-14089	94	48	convenient	convenient	ADJ
fbem-14089	94	49	and	and	CCONJ
fbem-14089	94	50	fast	fast	ADJ
fbem-14089	94	51	payment	payment	NOUN
fbem-14089	94	52	mode	mode	NOUN
fbem-14089	94	53	.	.	PUNCT
fbem-14089	95	1	second	second	ADJ
fbem-14089	95	2	,	,	PUNCT
fbem-14089	95	3	the	the	DET
fbem-14089	95	4	three	three	NUM
fbem-14089	95	5	major	major	ADJ
fbem-14089	95	6	businesses	business	NOUN
fbem-14089	95	7	of	of	ADP
fbem-14089	95	8	commercial	commercial	ADJ
fbem-14089	95	9	banks	bank	NOUN
fbem-14089	95	10	liability	liability	NOUN
fbem-14089	95	11	business	business	NOUN
fbem-14089	95	12	,	,	PUNCT
fbem-14089	95	13	asset	asset	NOUN
fbem-14089	95	14	business	business	NOUN
fbem-14089	95	15	and	and	CCONJ
fbem-14089	95	16	intermediary	intermediary	ADJ
fbem-14089	95	17	business	business	NOUN
fbem-14089	95	18	have	have	AUX
fbem-14089	95	19	also	also	ADV
fbem-14089	95	20	been	be	AUX
fbem-14089	95	21	affected	affect	VERB
fbem-14089	95	22	by	by	ADP
fbem-14089	95	23	the	the	DET
fbem-14089	95	24	impact	impact	NOUN
fbem-14089	95	25	brought	bring	VERB
fbem-14089	95	26	about	about	ADP
fbem-14089	95	27	by	by	ADP
fbem-14089	95	28	the	the	DET
fbem-14089	95	29	rapid	rapid	ADJ
fbem-14089	95	30	development	development	NOUN
fbem-14089	95	31	of	of	ADP
fbem-14089	95	32	third	third	ADJ
fbem-14089	95	33	-	-	PUNCT
fbem-14089	95	34	party	party	NOUN
fbem-14089	95	35	payment	payment	NOUN
fbem-14089	95	36	,	,	PUNCT
fbem-14089	95	37	for	for	ADP
fbem-14089	95	38	example	example	NOUN
fbem-14089	95	39	,	,	PUNCT
fbem-14089	95	40	the	the	DET
fbem-14089	95	41	increase	increase	NOUN
fbem-14089	95	42	in	in	ADP
fbem-14089	95	43	operating	operating	NOUN
fbem-14089	95	44	costs	cost	NOUN
fbem-14089	95	45	of	of	ADP
fbem-14089	95	46	the	the	DET
fbem-14089	95	47	liability	liability	NOUN
fbem-14089	95	48	business	business	NOUN
fbem-14089	95	49	and	and	CCONJ
fbem-14089	95	50	the	the	DET
fbem-14089	95	51	sharp	sharp	ADJ
fbem-14089	95	52	decline	decline	NOUN
fbem-14089	95	53	in	in	ADP
fbem-14089	95	54	the	the	DET
fbem-14089	95	55	volume	volume	NOUN
fbem-14089	95	56	of	of	ADP
fbem-14089	95	57	deposits	deposit	NOUN
fbem-14089	95	58	of	of	ADP
fbem-14089	95	59	commercial	commercial	ADJ
fbem-14089	95	60	banks	bank	NOUN
fbem-14089	95	61	,	,	PUNCT
fbem-14089	95	62	etc	etc	X
fbem-14089	95	63	.	.	X
fbem-14089	96	1	the	the	DET
fbem-14089	96	2	other	other	ADJ
fbem-14089	96	3	businesses	business	NOUN
fbem-14089	96	4	of	of	ADP
fbem-14089	96	5	commercial	commercial	ADJ
fbem-14089	96	6	banks	bank	NOUN
fbem-14089	96	7	have	have	AUX
fbem-14089	96	8	also	also	ADV
fbem-14089	96	9	been	be	AUX
fbem-14089	96	10	affected	affect	VERB
fbem-14089	96	11	,	,	PUNCT
fbem-14089	96	12	with	with	ADP
fbem-14089	96	13	the	the	DET
fbem-14089	96	14	volume	volume	NOUN
fbem-14089	96	15	of	of	ADP
fbem-14089	96	16	the	the	DET
fbem-14089	96	17	payment	payment	NOUN
fbem-14089	96	18	and	and	CCONJ
fbem-14089	96	19	settlement	settlement	NOUN
fbem-14089	96	20	business	business	NOUN
fbem-14089	96	21	drastically	drastically	ADV
fbem-14089	96	22	,	,	PUNCT
fbem-14089	96	23	and	and	CCONJ
fbem-14089	96	24	the	the	DET
fbem-14089	96	25	revenue	revenue	NOUN
fbem-14089	96	26	reduced	reduce	VERB
fbem-14089	96	27	.	.	PUNCT
fbem-14089	97	1	third	third	ADJ
fbem-14089	97	2	,	,	PUNCT
fbem-14089	97	3	commercial	commercial	ADJ
fbem-14089	97	4	banks	bank	NOUN
fbem-14089	97	5	are	be	AUX
fbem-14089	97	6	the	the	DET
fbem-14089	97	7	main	main	ADJ
fbem-14089	97	8	financial	financial	ADJ
fbem-14089	97	9	institutions	institution	NOUN
fbem-14089	97	10	in	in	ADP
fbem-14089	97	11	china	china	PROPN
fbem-14089	97	12	,	,	PUNCT
fbem-14089	97	13	with	with	ADP
fbem-14089	97	14	the	the	DET
fbem-14089	97	15	reputation	reputation	NOUN
fbem-14089	97	16	,	,	PUNCT
fbem-14089	97	17	strength	strength	NOUN
fbem-14089	97	18	and	and	CCONJ
fbem-14089	97	19	ability	ability	NOUN
fbem-14089	97	20	to	to	PART
fbem-14089	97	21	manage	manage	VERB
fbem-14089	97	22	a	a	DET
fbem-14089	97	23	large	large	ADJ
fbem-14089	97	24	amount	amount	NOUN
fbem-14089	97	25	of	of	ADP
fbem-14089	97	26	capital	capital	NOUN
fbem-14089	97	27	,	,	PUNCT
fbem-14089	97	28	with	with	ADP
fbem-14089	97	29	many	many	ADJ
fbem-14089	97	30	advantages	advantage	NOUN
fbem-14089	97	31	of	of	ADP
fbem-14089	97	32	brand	brand	NOUN
fbem-14089	97	33	effect	effect	NOUN
fbem-14089	97	34	,	,	PUNCT
fbem-14089	97	35	strong	strong	ADJ
fbem-14089	97	36	capital	capital	NOUN
fbem-14089	97	37	strength	strength	NOUN
fbem-14089	97	38	and	and	CCONJ
fbem-14089	97	39	complete	complete	ADJ
fbem-14089	97	40	operation	operation	NOUN
fbem-14089	97	41	system	system	NOUN
fbem-14089	97	42	,	,	PUNCT
fbem-14089	97	43	but	but	CCONJ
fbem-14089	97	44	also	also	ADV
fbem-14089	97	45	with	with	ADP
fbem-14089	97	46	the	the	DET
fbem-14089	97	47	disadvantages	disadvantage	NOUN
fbem-14089	97	48	of	of	ADP
fbem-14089	97	49	insufficient	insufficient	ADJ
fbem-14089	97	50	product	product	NOUN
fbem-14089	97	51	and	and	CCONJ
fbem-14089	97	52	service	service	NOUN
fbem-14089	97	53	innovation	innovation	NOUN
fbem-14089	97	54	,	,	PUNCT
fbem-14089	97	55	low	low	ADJ
fbem-14089	97	56	business	business	NOUN
fbem-14089	97	57	efficiency	efficiency	NOUN
fbem-14089	97	58	and	and	CCONJ
fbem-14089	97	59	imperfect	imperfect	ADJ
fbem-14089	97	60	internal	internal	ADJ
fbem-14089	97	61	governance	governance	NOUN
fbem-14089	97	62	structure	structure	NOUN
fbem-14089	97	63	.	.	PUNCT
fbem-14089	98	1	although	although	SCONJ
fbem-14089	98	2	the	the	DET
fbem-14089	98	3	development	development	NOUN
fbem-14089	98	4	of	of	ADP
fbem-14089	98	5	commercial	commercial	ADJ
fbem-14089	98	6	banks	bank	NOUN
fbem-14089	98	7	received	receive	VERB
fbem-14089	98	8	the	the	DET
fbem-14089	98	9	impact	impact	NOUN
fbem-14089	98	10	of	of	ADP
fbem-14089	98	11	third	third	ADJ
fbem-14089	98	12	-	-	PUNCT
fbem-14089	98	13	party	party	NOUN
fbem-14089	98	14	payments	payment	NOUN
fbem-14089	98	15	,	,	PUNCT
fbem-14089	98	16	but	but	CCONJ
fbem-14089	98	17	as	as	ADP
fbem-14089	98	18	a	a	DET
fbem-14089	98	19	major	major	ADJ
fbem-14089	98	20	player	player	NOUN
fbem-14089	98	21	in	in	ADP
fbem-14089	98	22	china	china	PROPN
fbem-14089	98	23	's	's	PART
fbem-14089	98	24	economy	economy	NOUN
fbem-14089	98	25	,	,	PUNCT
fbem-14089	98	26	commercial	commercial	ADJ
fbem-14089	98	27	banks	bank	NOUN
fbem-14089	98	28	are	be	AUX
fbem-14089	98	29	irreplaceable	irreplaceable	ADJ
fbem-14089	98	30	.	.	PUNCT
fbem-14089	99	1	fourth	fourth	ADJ
fbem-14089	99	2	,	,	PUNCT
fbem-14089	99	3	the	the	DET
fbem-14089	99	4	rapid	rapid	ADJ
fbem-14089	99	5	development	development	NOUN
fbem-14089	99	6	of	of	ADP
fbem-14089	99	7	third	third	ADJ
fbem-14089	99	8	-	-	PUNCT
fbem-14089	99	9	party	party	NOUN
fbem-14089	99	10	payment	payment	NOUN
fbem-14089	99	11	has	have	AUX
fbem-14089	99	12	brought	bring	VERB
fbem-14089	99	13	countless	countless	ADJ
fbem-14089	99	14	conveniences	convenience	NOUN
fbem-14089	99	15	to	to	ADP
fbem-14089	99	16	people	people	NOUN
fbem-14089	99	17	's	's	PART
fbem-14089	99	18	life	life	NOUN
fbem-14089	99	19	,	,	PUNCT
fbem-14089	99	20	which	which	PRON
fbem-14089	99	21	reduces	reduce	VERB
fbem-14089	99	22	the	the	DET
fbem-14089	99	23	use	use	NOUN
fbem-14089	99	24	of	of	ADP
fbem-14089	99	25	banknotes	banknote	NOUN
fbem-14089	99	26	,	,	PUNCT
fbem-14089	99	27	saves	save	VERB
fbem-14089	99	28	social	social	ADJ
fbem-14089	99	29	resources	resource	NOUN
fbem-14089	99	30	,	,	PUNCT
fbem-14089	99	31	connects	connect	VERB
fbem-14089	99	32	with	with	ADP
fbem-14089	99	33	other	other	ADJ
fbem-14089	99	34	organisations	organisation	NOUN
fbem-14089	99	35	,	,	PUNCT
fbem-14089	99	36	and	and	CCONJ
fbem-14089	99	37	meets	meet	VERB
fbem-14089	99	38	the	the	DET
fbem-14089	99	39	online	online	ADJ
fbem-14089	99	40	payment	payment	NOUN
fbem-14089	99	41	requirements	requirement	NOUN
fbem-14089	99	42	of	of	ADP
fbem-14089	99	43	all	all	DET
fbem-14089	99	44	parties	party	NOUN
fbem-14089	99	45	,	,	PUNCT
fbem-14089	99	46	but	but	CCONJ
fbem-14089	99	47	it	it	PRON
fbem-14089	99	48	also	also	ADV
fbem-14089	99	49	has	have	VERB
fbem-14089	99	50	problems	problem	NOUN
fbem-14089	99	51	such	such	ADJ
fbem-14089	99	52	as	as	ADP
fbem-14089	99	53	system	system	NOUN
fbem-14089	99	54	security	security	NOUN
fbem-14089	99	55	risks	risk	NOUN
fbem-14089	99	56	and	and	CCONJ
fbem-14089	99	57	legal	legal	ADJ
fbem-14089	99	58	risks	risk	NOUN
fbem-14089	99	59	.	.	PUNCT
fbem-14089	100	1	as	as	ADP
fbem-14089	100	2	an	an	DET
fbem-14089	100	3	important	important	ADJ
fbem-14089	100	4	branch	branch	NOUN
fbem-14089	100	5	of	of	ADP
fbem-14089	100	6	internet	internet	NOUN
fbem-14089	100	7	finance	finance	NOUN
fbem-14089	100	8	,	,	PUNCT
fbem-14089	100	9	third	third	ADJ
fbem-14089	100	10	-	-	PUNCT
fbem-14089	100	11	party	party	NOUN
fbem-14089	100	12	payment	payment	NOUN
fbem-14089	100	13	effectively	effectively	ADV
fbem-14089	100	14	meets	meet	VERB
fbem-14089	100	15	people	people	NOUN
fbem-14089	100	16	's	's	PART
fbem-14089	100	17	payment	payment	NOUN
fbem-14089	100	18	needs	need	NOUN
fbem-14089	100	19	and	and	CCONJ
fbem-14089	100	20	is	be	AUX
fbem-14089	100	21	very	very	ADV
fbem-14089	100	22	important	important	ADJ
fbem-14089	100	23	to	to	ADP
fbem-14089	100	24	society	society	NOUN
fbem-14089	100	25	and	and	CCONJ
fbem-14089	100	26	consumers	consumer	NOUN
fbem-14089	100	27	.	.	PUNCT
fbem-14089	101	1	fifth	fifth	ADJ
fbem-14089	101	2	,	,	PUNCT
fbem-14089	101	3	commercial	commercial	ADJ
fbem-14089	101	4	banks	bank	NOUN
fbem-14089	101	5	should	should	AUX
fbem-14089	101	6	take	take	VERB
fbem-14089	101	7	corresponding	corresponding	ADJ
fbem-14089	101	8	correct	correct	ADJ
fbem-14089	101	9	measures	measure	NOUN
fbem-14089	101	10	to	to	PART
fbem-14089	101	11	cope	cope	VERB
fbem-14089	101	12	with	with	ADP
fbem-14089	101	13	all	all	DET
fbem-14089	101	14	the	the	DET
fbem-14089	101	15	impacts	impact	NOUN
fbem-14089	101	16	brought	bring	VERB
fbem-14089	101	17	by	by	ADP
fbem-14089	101	18	the	the	DET
fbem-14089	101	19	development	development	NOUN
fbem-14089	101	20	of	of	ADP
fbem-14089	101	21	third	third	ADJ
fbem-14089	101	22	-	-	PUNCT
fbem-14089	101	23	party	party	NOUN
fbem-14089	101	24	payment	payment	NOUN
fbem-14089	101	25	.	.	PUNCT
fbem-14089	102	1	for	for	ADP
fbem-14089	102	2	example	example	NOUN
fbem-14089	102	3	,	,	PUNCT
fbem-14089	102	4	they	they	PRON
fbem-14089	102	5	should	should	AUX
fbem-14089	102	6	improve	improve	VERB
fbem-14089	102	7	their	their	PRON
fbem-14089	102	8	own	own	ADJ
fbem-14089	102	9	financial	financial	ADJ
fbem-14089	102	10	service	service	NOUN
fbem-14089	102	11	model	model	NOUN
fbem-14089	102	12	and	and	CCONJ
fbem-14089	102	13	promote	promote	VERB
fbem-14089	102	14	online	online	ADJ
fbem-14089	102	15	and	and	CCONJ
fbem-14089	102	16	offline	offline	ADJ
fbem-14089	102	17	integration	integration	NOUN
fbem-14089	102	18	;	;	PUNCT
fbem-14089	102	19	change	change	VERB
fbem-14089	102	20	their	their	PRON
fbem-14089	102	21	business	business	NOUN
fbem-14089	102	22	concepts	concept	NOUN
fbem-14089	102	23	and	and	CCONJ
fbem-14089	102	24	strengthen	strengthen	VERB
fbem-14089	102	25	financial	financial	ADJ
fbem-14089	102	26	innovation	innovation	NOUN
fbem-14089	102	27	;	;	PUNCT
fbem-14089	102	28	strengthen	strengthen	VERB
fbem-14089	102	29	effective	effective	ADJ
fbem-14089	102	30	cooperation	cooperation	NOUN
fbem-14089	102	31	with	with	ADP
fbem-14089	102	32	third	third	ADJ
fbem-14089	102	33	-	-	PUNCT
fbem-14089	102	34	party	party	NOUN
fbem-14089	102	35	payment	payment	NOUN
fbem-14089	102	36	platforms	platform	NOUN
fbem-14089	102	37	and	and	CCONJ
fbem-14089	102	38	seek	seek	VERB
fbem-14089	102	39	win	win	NOUN
fbem-14089	102	40	-	-	PUNCT
fbem-14089	102	41	win	win	NOUN
fbem-14089	102	42	co	co	NOUN
fbem-14089	102	43	-	-	NOUN
fbem-14089	102	44	operation	operation	NOUN
fbem-14089	102	45	;	;	PUNCT
fbem-14089	102	46	reasonably	reasonably	ADV
fbem-14089	102	47	divide	divide	VERB
fbem-14089	102	48	the	the	DET
fbem-14089	102	49	market	market	NOUN
fbem-14089	102	50	with	with	ADP
fbem-14089	102	51	third	third	ADJ
fbem-14089	102	52	-	-	PUNCT
fbem-14089	102	53	party	party	NOUN
fbem-14089	102	54	payments	payment	NOUN
fbem-14089	102	55	;	;	PUNCT
fbem-14089	102	56	further	far	ADV
fbem-14089	102	57	improve	improve	VERB
fbem-14089	102	58	the	the	DET
fbem-14089	102	59	online	online	ADJ
fbem-14089	102	60	on	on	ADP
fbem-14089	102	61	-	-	PUNCT
fbem-14089	102	62	line	line	NOUN
fbem-14089	102	63	payment	payment	NOUN
fbem-14089	102	64	system	system	NOUN
fbem-14089	102	65	and	and	CCONJ
fbem-14089	102	66	promote	promote	VERB
fbem-14089	102	67	the	the	DET
fbem-14089	102	68	development	development	NOUN
fbem-14089	102	69	of	of	ADP
fbem-14089	102	70	all	all	DET
fbem-14089	102	71	kinds	kind	NOUN
fbem-14089	102	72	of	of	ADP
fbem-14089	102	73	intermediary	intermediary	NOUN
fbem-14089	102	74	and	and	CCONJ
fbem-14089	102	75	other	other	ADJ
fbem-14089	102	76	businesses	business	NOUN
fbem-14089	102	77	;	;	PUNCT
fbem-14089	102	78	and	and	CCONJ
fbem-14089	102	79	directly	directly	ADV
fbem-14089	102	80	participate	participate	VERB
fbem-14089	102	81	in	in	ADP
fbem-14089	102	82	the	the	DET
fbem-14089	102	83	e	e	NOUN
fbem-14089	102	84	-	-	NOUN
fbem-14089	102	85	payment	payment	NOUN
fbem-14089	102	86	chain	chain	NOUN
fbem-14089	102	87	.	.	PUNCT
fbem-14089	103	1	181	181	NUM
fbem-14089	103	2	references	reference	NOUN
fbem-14089	103	3	[	[	X
fbem-14089	103	4	1	1	NUM
fbem-14089	103	5	]	]	PUNCT
fbem-14089	103	6	huo	huo	PROPN
fbem-14089	103	7	ong	ong	PROPN
fbem-14089	103	8	,	,	PUNCT
fbem-14089	103	9	wei	wei	PROPN
fbem-14089	103	10	yu	yu	PROPN
fbem-14089	103	11	and	and	CCONJ
fbem-14089	103	12	xin	xin	PROPN
fbem-14089	103	13	shen	shen	PROPN
fbem-14089	103	14	,	,	PUNCT
fbem-14089	103	15	risk	risk	VERB
fbem-14089	103	16	analysis	analysis	NOUN
fbem-14089	103	17	of	of	ADP
fbem-14089	103	18	the	the	DET
fbem-14089	103	19	third	third	ADJ
fbem-14089	103	20	—	—	PUNCT
fbem-14089	103	21	party	party	NOUN
fbem-14089	103	22	payment	payment	NOUN
fbem-14089	103	23	business[j	business[j	PROPN
fbem-14089	103	24	]	]	PUNCT
fbem-14089	103	25	．	．	ADJ
fbem-14089	103	26	management	management	NOUN
fbem-14089	103	27	science	science	NOUN
fbem-14089	103	28	and	and	CCONJ
fbem-14089	103	29	industrial	industrial	ADJ
fbem-14089	103	30	engineering	engineering	NOUN
fbem-14089	103	31	,	,	PUNCT
fbem-14089	103	32	2011(04	2011(04	NUM
fbem-14089	103	33	):	):	PUNCT
fbem-14089	103	34	1143—1147	1143—1147	NUM
fbem-14089	103	35	.	.	PUNCT
fbem-14089	104	1	[	[	X
fbem-14089	104	2	2	2	NUM
fbem-14089	104	3	]	]	X
fbem-14089	104	4	jie	jie	PROPN
fbem-14089	104	5	guo	guo	PROPN
fbem-14089	104	6	,	,	PUNCT
fbem-14089	104	7	harry	harry	PROPN
fbem-14089	104	8	bouwman	bouwman	PROPN
fbem-14089	104	9	.	.	PUNCT
fbem-14089	105	1	an	an	DET
fbem-14089	105	2	ecosystem	ecosystem	NOUN
fbem-14089	105	3	view	view	NOUN
fbem-14089	105	4	on	on	ADP
fbem-14089	105	5	third	third	ADJ
fbem-14089	105	6	party	party	NOUN
fbem-14089	105	7	mobile	mobile	ADJ
fbem-14089	105	8	payment	payment	NOUN
fbem-14089	105	9	providers	provider	NOUN
fbem-14089	105	10	:	:	PUNCT
fbem-14089	105	11	a	a	DET
fbem-14089	105	12	case	case	NOUN
fbem-14089	105	13	study	study	NOUN
fbem-14089	105	14	of	of	ADP
fbem-14089	105	15	alipay	alipay	PROPN
fbem-14089	105	16	wallet[j	wallet[j	PROPN
fbem-14089	105	17	]	]	PUNCT
fbem-14089	105	18	.	.	PUNCT
fbem-14089	106	1	digital	digital	ADJ
fbem-14089	106	2	policy	policy	NOUN
fbem-14089	106	3	regulation	regulation	NOUN
fbem-14089	106	4	and	and	CCONJ
fbem-14089	106	5	governance	governance	NOUN
fbem-14089	106	6	,	,	PUNCT
fbem-14089	106	7	2016(3	2016(3	NUM
fbem-14089	106	8	):	):	PUNCT
fbem-14089	106	9	56—78	56—78	NUM
fbem-14089	106	10	.	.	PUNCT
fbem-14089	107	1	[	[	X
fbem-14089	107	2	3	3	X
fbem-14089	107	3	]	]	X
fbem-14089	107	4	jingyi	jingyi	PROPN
fbem-14089	107	5	liao	liao	PROPN
fbem-14089	107	6	,	,	PUNCT
fbem-14089	107	7	2018	2018	NUM
fbem-14089	107	8	international	international	ADJ
fbem-14089	107	9	conference	conference	NOUN
fbem-14089	107	10	on	on	ADP
fbem-14089	107	11	management	management	NOUN
fbem-14089	107	12	,	,	PUNCT
fbem-14089	107	13	education	education	NOUN
fbem-14089	107	14	and	and	CCONJ
fbem-14089	107	15	social	social	ADJ
fbem-14089	107	16	sciences[j	sciences[j	PROPN
fbem-14089	107	17	]	]	PUNCT
fbem-14089	107	18	,	,	PUNCT
fbem-14089	107	19	2018	2018	NUM
fbem-14089	107	20	,	,	PUNCT
fbem-14089	107	21	178	178	NUM
fbem-14089	107	22	-	-	SYM
fbem-14089	107	23	186	186	NUM
fbem-14089	107	24	.	.	PUNCT
fbem-14089	108	1	[	[	X
fbem-14089	108	2	4	4	X
fbem-14089	108	3	]	]	X
fbem-14089	108	4	liu	liu	PROPN
fbem-14089	108	5	hongbo	hongbo	PROPN
fbem-14089	108	6	,	,	PUNCT
fbem-14089	108	7	discussion	discussion	NOUN
fbem-14089	108	8	about	about	ADP
fbem-14089	108	9	competition	competition	NOUN
fbem-14089	108	10	and	and	CCONJ
fbem-14089	108	11	cooperation	cooperation	NOUN
fbem-14089	108	12	between	between	ADP
fbem-14089	108	13	cyberbanks	cyberbank	NOUN
fbem-14089	108	14	and	and	CCONJ
fbem-14089	108	15	third	third	ADJ
fbem-14089	108	16	—	—	PUNCT
fbem-14089	108	17	party	party	NOUN
fbem-14089	108	18	firms[j	firms[j	PROPN
fbem-14089	108	19	]	]	PUNCT
fbem-14089	108	20	.	.	PUNCT
fbem-14089	109	1	bus	bus	NOUN
fbem-14089	109	2	iness	iness	PROPN
fbem-14089	109	3	research	research	NOUN
fbem-14089	109	4	2009(34	2009(34	NUM
fbem-14089	109	5	):	):	PUNCT
fbem-14089	109	6	97—99	97—99	NOUN
fbem-14089	109	7	.	.	PUNCT
fbem-14089	110	1	[	[	X
fbem-14089	110	2	5	5	NUM
fbem-14089	110	3	]	]	PUNCT
fbem-14089	110	4	miao	miao	NOUN
fbem-14089	110	5	miao	miao	NOUN
fbem-14089	110	6	,	,	PUNCT
fbem-14089	110	7	krishna	krishna	PROPN
fbem-14089	110	8	jayakar	jayakar	PROPN
fbem-14089	110	9	.	.	PUNCT
fbem-14089	111	1	mobile	mobile	ADJ
fbem-14089	111	2	payments	payment	NOUN
fbem-14089	111	3	in	in	ADP
fbem-14089	111	4	japan	japan	PROPN
fbem-14089	111	5	,	,	PUNCT
fbem-14089	111	6	south	south	PROPN
fbem-14089	111	7	korea	korea	PROPN
fbem-14089	111	8	and	and	CCONJ
fbem-14089	111	9	china	china	PROPN
fbem-14089	111	10	:	:	PUNCT
fbem-14089	111	11	cross	cross	ADJ
fbem-14089	111	12	—	—	PUNCT
fbem-14089	111	13	border	border	ADJ
fbem-14089	111	14	convergence	convergence	NOUN
fbem-14089	111	15	or	or	CCONJ
fbem-14089	111	16	divergence	divergence	NOUN
fbem-14089	111	17	of	of	ADP
fbem-14089	111	18	business	business	NOUN
fbem-14089	111	19	models[j	models[j	PROPN
fbem-14089	111	20	]	]	PUNCT
fbem-14089	111	21	.	.	PUNCT
fbem-14089	112	1	telecommunications	telecommunication	NOUN
fbem-14089	112	2	policy	policy	NOUN
fbem-14089	112	3	,	,	PUNCT
fbem-14089	112	4	2016(40	2016(40	NUM
fbem-14089	112	5	):	):	PUNCT
fbem-14089	112	6	182—196	182—196	PROPN
fbem-14089	112	7	.	.	PUNCT
fbem-14089	113	1	[	[	X
fbem-14089	113	2	6	6	NUM
fbem-14089	113	3	]	]	PUNCT
fbem-14089	113	4	risks	risk	NOUN
fbem-14089	113	5	and	and	CCONJ
fbem-14089	113	6	prevention	prevention	NOUN
fbem-14089	113	7	on	on	ADP
fbem-14089	113	8	the	the	DET
fbem-14089	113	9	cash	cash	NOUN
fbem-14089	113	10	out	out	ADP
fbem-14089	113	11	through	through	ADP
fbem-14089	113	12	third	third	ADJ
fbem-14089	113	13	-	-	PUNCT
fbem-14089	113	14	party	party	NOUN
fbem-14089	113	15	payment[a	payment[a	PROPN
fbem-14089	113	16	]	]	PUNCT
fbem-14089	113	17	.	.	PUNCT
fbem-14089	114	1	yan	yan	PROPN
fbem-14089	114	2	ren	ren	PROPN
fbem-14089	114	3	.	.	PUNCT
fbem-14089	115	1	proceedings	proceeding	NOUN
fbem-14089	115	2	of	of	ADP
fbem-14089	115	3	2011	2011	NUM
fbem-14089	115	4	international	international	ADJ
fbem-14089	115	5	conference	conference	NOUN
fbem-14089	115	6	on	on	ADP
fbem-14089	115	7	applied	apply	VERB
fbem-14089	115	8	social	social	ADJ
fbem-14089	115	9	science	science	NOUN
fbem-14089	115	10	(	(	PUNCT
fbem-14089	115	11	icass	icass	PROPN
fbem-14089	115	12	2011	2011	NUM
fbem-14089	115	13	v1)[c	v1)[c	NOUN
fbem-14089	115	14	]	]	PUNCT
fbem-14089	115	15	.	.	PUNCT
fbem-14089	116	1	2011,359	2011,359	NUM
fbem-14089	116	2	-	-	PUNCT
fbem-14089	116	3	3	3	NUM
fbem-14089	116	4	.	.	PUNCT