id	sid	tid	token	lemma	pos
fbem-15380	1	1	frontiers	frontier	NOUN
fbem-15380	1	2	in	in	ADP
fbem-15380	1	3	business	business	NOUN
fbem-15380	1	4	,	,	PUNCT
fbem-15380	1	5	economics	economic	NOUN
fbem-15380	1	6	and	and	CCONJ
fbem-15380	1	7	management	management	NOUN
fbem-15380	1	8	issn	issn	PROPN
fbem-15380	1	9	:	:	PUNCT
fbem-15380	1	10	2766	2766	NUM
fbem-15380	1	11	-	-	PUNCT
fbem-15380	1	12	824x	824x	NUM
fbem-15380	1	13	|	|	ADJ
fbem-15380	1	14	vol	vol	NOUN
fbem-15380	1	15	.	.	PROPN
fbem-15380	1	16	12	12	NUM
fbem-15380	1	17	,	,	PUNCT
fbem-15380	1	18	no	no	INTJ
fbem-15380	1	19	.	.	NOUN
fbem-15380	1	20	3	3	NUM
fbem-15380	1	21	,	,	PUNCT
fbem-15380	1	22	2023	2023	NUM
fbem-15380	1	23	86	86	NUM
fbem-15380	1	24	taking	take	VERB
fbem-15380	1	25	p2p	p2p	NOUN
fbem-15380	1	26	online	online	NOUN
fbem-15380	1	27	lending	lending	NOUN
fbem-15380	1	28	as	as	ADP
fbem-15380	1	29	an	an	DET
fbem-15380	1	30	example	example	NOUN
fbem-15380	1	31	-reflecting	-reflecte	VERB
fbem-15380	1	32	on	on	ADP
fbem-15380	1	33	the	the	DET
fbem-15380	1	34	development	development	NOUN
fbem-15380	1	35	of	of	ADP
fbem-15380	1	36	internet	internet	NOUN
fbem-15380	1	37	finance	finance	NOUN
fbem-15380	1	38	based	base	VERB
fbem-15380	1	39	on	on	ADP
fbem-15380	1	40	regulatory	regulatory	ADJ
fbem-15380	1	41	mechanisms	mechanism	NOUN
fbem-15380	1	42	yuancheng	yuancheng	PROPN
fbem-15380	1	43	huang1	huang1	PROPN
fbem-15380	1	44	,	,	PUNCT
fbem-15380	1	45	*	*	PROPN
fbem-15380	1	46	1business	1business	NUM
fbem-15380	1	47	school	school	NOUN
fbem-15380	1	48	,	,	PUNCT
fbem-15380	1	49	zhejiang	zhejiang	PROPN
fbem-15380	1	50	wanli	wanli	PROPN
fbem-15380	1	51	university	university	PROPN
fbem-15380	1	52	,	,	PUNCT
fbem-15380	1	53	ningbo	ningbo	PROPN
fbem-15380	1	54	,	,	PUNCT
fbem-15380	1	55	zhejiang	zhejiang	PROPN
fbem-15380	1	56	,	,	PUNCT
fbem-15380	1	57	315100	315100	NUM
fbem-15380	1	58	,	,	PUNCT
fbem-15380	1	59	china	china	PROPN
fbem-15380	1	60	*	*	PUNCT
fbem-15380	1	61	corresponding	correspond	VERB
fbem-15380	1	62	author	author	NOUN
fbem-15380	1	63	’s	’s	PART
fbem-15380	1	64	e	e	NOUN
fbem-15380	1	65	-	-	NOUN
fbem-15380	1	66	mail	mail	NOUN
fbem-15380	1	67	:	:	PUNCT
fbem-15380	1	68	anckinhuang@outlook.com	anckinhuang@outlook.com	X
fbem-15380	2	1	abstract	abstract	ADJ
fbem-15380	2	2	:	:	PUNCT
fbem-15380	2	3	this	this	DET
fbem-15380	2	4	paper	paper	NOUN
fbem-15380	2	5	is	be	AUX
fbem-15380	2	6	based	base	VERB
fbem-15380	2	7	on	on	ADP
fbem-15380	2	8	the	the	DET
fbem-15380	2	9	critical	critical	ADJ
fbem-15380	2	10	reflection	reflection	NOUN
fbem-15380	2	11	of	of	ADP
fbem-15380	2	12	p2p	p2p	NOUN
fbem-15380	2	13	online	online	ADJ
fbem-15380	2	14	lending	lending	NOUN
fbem-15380	2	15	,	,	PUNCT
fbem-15380	2	16	with	with	ADP
fbem-15380	2	17	the	the	DET
fbem-15380	2	18	supervision	supervision	NOUN
fbem-15380	2	19	mechanism	mechanism	NOUN
fbem-15380	2	20	as	as	ADP
fbem-15380	2	21	the	the	DET
fbem-15380	2	22	main	main	ADJ
fbem-15380	2	23	analysis	analysis	NOUN
fbem-15380	2	24	angle	angle	NOUN
fbem-15380	2	25	,	,	PUNCT
fbem-15380	2	26	credit	credit	NOUN
fbem-15380	2	27	assessment	assessment	NOUN
fbem-15380	2	28	and	and	CCONJ
fbem-15380	2	29	risk	risk	NOUN
fbem-15380	2	30	prevention	prevention	NOUN
fbem-15380	2	31	and	and	CCONJ
fbem-15380	2	32	control	control	NOUN
fbem-15380	2	33	as	as	SCONJ
fbem-15380	2	34	the	the	DET
fbem-15380	2	35	auxiliary	auxiliary	NOUN
fbem-15380	2	36	to	to	PART
fbem-15380	2	37	carry	carry	VERB
fbem-15380	2	38	out	out	ADP
fbem-15380	2	39	the	the	DET
fbem-15380	2	40	discussion	discussion	NOUN
fbem-15380	2	41	of	of	ADP
fbem-15380	2	42	p2p	p2p	NOUN
fbem-15380	2	43	online	online	ADJ
fbem-15380	2	44	lending	lending	NOUN
fbem-15380	2	45	,	,	PUNCT
fbem-15380	2	46	hoping	hope	VERB
fbem-15380	2	47	to	to	PART
fbem-15380	2	48	provide	provide	VERB
fbem-15380	2	49	more	more	ADJ
fbem-15380	2	50	thinking	thinking	NOUN
fbem-15380	2	51	for	for	ADP
fbem-15380	2	52	the	the	DET
fbem-15380	2	53	future	future	ADJ
fbem-15380	2	54	development	development	NOUN
fbem-15380	2	55	of	of	ADP
fbem-15380	2	56	china	china	PROPN
fbem-15380	2	57	's	's	PART
fbem-15380	2	58	internet	internet	NOUN
fbem-15380	2	59	+	+	CCONJ
fbem-15380	2	60	finance	finance	NOUN
fbem-15380	2	61	.	.	PUNCT
fbem-15380	3	1	the	the	DET
fbem-15380	3	2	main	main	ADJ
fbem-15380	3	3	research	research	NOUN
fbem-15380	3	4	method	method	NOUN
fbem-15380	3	5	adopted	adopt	VERB
fbem-15380	3	6	in	in	ADP
fbem-15380	3	7	this	this	DET
fbem-15380	3	8	paper	paper	NOUN
fbem-15380	3	9	is	be	AUX
fbem-15380	3	10	case	case	NOUN
fbem-15380	3	11	study	study	NOUN
fbem-15380	3	12	,	,	PUNCT
fbem-15380	3	13	mainly	mainly	ADV
fbem-15380	3	14	based	base	VERB
fbem-15380	3	15	on	on	ADP
fbem-15380	3	16	typical	typical	ADJ
fbem-15380	3	17	cases	case	NOUN
fbem-15380	3	18	at	at	ADP
fbem-15380	3	19	home	home	NOUN
fbem-15380	3	20	and	and	CCONJ
fbem-15380	3	21	abroad	abroad	ADV
fbem-15380	3	22	to	to	PART
fbem-15380	3	23	carry	carry	VERB
fbem-15380	3	24	out	out	ADP
fbem-15380	3	25	analysis	analysis	NOUN
fbem-15380	3	26	.	.	PUNCT
fbem-15380	4	1	after	after	ADP
fbem-15380	4	2	case	case	NOUN
fbem-15380	4	3	analysis	analysis	NOUN
fbem-15380	4	4	,	,	PUNCT
fbem-15380	4	5	the	the	DET
fbem-15380	4	6	conclusions	conclusion	NOUN
fbem-15380	4	7	are	be	AUX
fbem-15380	4	8	as	as	SCONJ
fbem-15380	4	9	follows	follow	VERB
fbem-15380	4	10	:	:	PUNCT
fbem-15380	4	11	1	1	X
fbem-15380	4	12	.	.	X
fbem-15380	4	13	in	in	ADP
fbem-15380	4	14	terms	term	NOUN
fbem-15380	4	15	of	of	ADP
fbem-15380	4	16	supervision	supervision	NOUN
fbem-15380	4	17	mechanism	mechanism	NOUN
fbem-15380	4	18	:	:	PUNCT
fbem-15380	4	19	(	(	PUNCT
fbem-15380	4	20	1	1	X
fbem-15380	4	21	)	)	PUNCT
fbem-15380	4	22	let	let	VERB
fbem-15380	4	23	the	the	DET
fbem-15380	4	24	platform	platform	NOUN
fbem-15380	4	25	and	and	CCONJ
fbem-15380	4	26	the	the	DET
fbem-15380	4	27	bank	bank	NOUN
fbem-15380	4	28	reach	reach	VERB
fbem-15380	4	29	a	a	DET
fbem-15380	4	30	commercial	commercial	ADJ
fbem-15380	4	31	cooperation	cooperation	NOUN
fbem-15380	4	32	relationship	relationship	NOUN
fbem-15380	4	33	.	.	PUNCT
fbem-15380	5	1	(	(	PUNCT
fbem-15380	5	2	2	2	X
fbem-15380	5	3	)	)	PUNCT
fbem-15380	5	4	when	when	SCONJ
fbem-15380	5	5	the	the	DET
fbem-15380	5	6	debt	debt	NOUN
fbem-15380	5	7	relationship	relationship	NOUN
fbem-15380	5	8	is	be	AUX
fbem-15380	5	9	formed	form	VERB
fbem-15380	5	10	,	,	PUNCT
fbem-15380	5	11	it	it	PRON
fbem-15380	5	12	is	be	AUX
fbem-15380	5	13	suggested	suggest	VERB
fbem-15380	5	14	to	to	PART
fbem-15380	5	15	sign	sign	VERB
fbem-15380	5	16	smart	smart	ADJ
fbem-15380	5	17	contracts	contract	NOUN
fbem-15380	5	18	.	.	PUNCT
fbem-15380	6	1	(	(	PUNCT
fbem-15380	6	2	3	3	X
fbem-15380	6	3	)	)	PUNCT
fbem-15380	6	4	when	when	SCONJ
fbem-15380	6	5	the	the	DET
fbem-15380	6	6	debtor	debtor	NOUN
fbem-15380	6	7	registers	register	NOUN
fbem-15380	6	8	as	as	ADP
fbem-15380	6	9	a	a	DET
fbem-15380	6	10	user	user	NOUN
fbem-15380	6	11	on	on	ADP
fbem-15380	6	12	the	the	DET
fbem-15380	6	13	platform	platform	NOUN
fbem-15380	6	14	,	,	PUNCT
fbem-15380	6	15	it	it	PRON
fbem-15380	6	16	can	can	AUX
fbem-15380	6	17	use	use	VERB
fbem-15380	6	18	the	the	DET
fbem-15380	6	19	bank	bank	NOUN
fbem-15380	6	20	to	to	PART
fbem-15380	6	21	evaluate	evaluate	VERB
fbem-15380	6	22	the	the	DET
fbem-15380	6	23	assets	asset	NOUN
fbem-15380	6	24	and	and	CCONJ
fbem-15380	6	25	liabilities	liability	NOUN
fbem-15380	6	26	.	.	PUNCT
fbem-15380	7	1	(	(	PUNCT
fbem-15380	7	2	4	4	X
fbem-15380	7	3	)	)	PUNCT
fbem-15380	7	4	the	the	DET
fbem-15380	7	5	platform	platform	NOUN
fbem-15380	7	6	can	can	AUX
fbem-15380	7	7	also	also	ADV
fbem-15380	7	8	learn	learn	VERB
fbem-15380	7	9	from	from	ADP
fbem-15380	7	10	the	the	DET
fbem-15380	7	11	dutch	dutch	ADJ
fbem-15380	7	12	supervision	supervision	NOUN
fbem-15380	7	13	mechanism	mechanism	NOUN
fbem-15380	7	14	for	for	ADP
fbem-15380	7	15	creditors	creditor	NOUN
fbem-15380	7	16	on	on	ADP
fbem-15380	7	17	the	the	DET
fbem-15380	7	18	internet	internet	NOUN
fbem-15380	7	19	platform	platform	NOUN
fbem-15380	7	20	.	.	PUNCT
fbem-15380	8	1	2	2	X
fbem-15380	8	2	.	.	X
fbem-15380	8	3	in	in	ADP
fbem-15380	8	4	terms	term	NOUN
fbem-15380	8	5	of	of	ADP
fbem-15380	8	6	credit	credit	NOUN
fbem-15380	8	7	evaluation	evaluation	NOUN
fbem-15380	8	8	,	,	PUNCT
fbem-15380	8	9	china	china	PROPN
fbem-15380	8	10	can	can	AUX
fbem-15380	8	11	build	build	VERB
fbem-15380	8	12	a	a	DET
fbem-15380	8	13	credit	credit	NOUN
fbem-15380	8	14	evaluation	evaluation	NOUN
fbem-15380	8	15	system	system	NOUN
fbem-15380	8	16	belonging	belong	VERB
fbem-15380	8	17	to	to	ADP
fbem-15380	8	18	internet	internet	NOUN
fbem-15380	8	19	finance	finance	NOUN
fbem-15380	8	20	in	in	ADP
fbem-15380	8	21	the	the	DET
fbem-15380	8	22	credit	credit	NOUN
fbem-15380	8	23	investigation	investigation	NOUN
fbem-15380	8	24	system	system	NOUN
fbem-15380	8	25	of	of	ADP
fbem-15380	8	26	the	the	DET
fbem-15380	8	27	people	people	NOUN
fbem-15380	8	28	's	's	PART
fbem-15380	8	29	bank	bank	PROPN
fbem-15380	8	30	of	of	ADP
fbem-15380	8	31	china	china	PROPN
fbem-15380	8	32	.	.	PUNCT
fbem-15380	9	1	3	3	X
fbem-15380	9	2	.	.	X
fbem-15380	9	3	in	in	ADP
fbem-15380	9	4	terms	term	NOUN
fbem-15380	9	5	of	of	ADP
fbem-15380	9	6	risk	risk	NOUN
fbem-15380	9	7	prevention	prevention	NOUN
fbem-15380	9	8	and	and	CCONJ
fbem-15380	9	9	control	control	NOUN
fbem-15380	9	10	,	,	PUNCT
fbem-15380	9	11	default	default	NOUN
fbem-15380	9	12	records	record	NOUN
fbem-15380	9	13	should	should	AUX
fbem-15380	9	14	be	be	AUX
fbem-15380	9	15	synchronized	synchronize	VERB
fbem-15380	9	16	with	with	ADP
fbem-15380	9	17	banks	bank	NOUN
fbem-15380	9	18	and	and	CCONJ
fbem-15380	9	19	default	default	NOUN
fbem-15380	9	20	costs	cost	NOUN
fbem-15380	9	21	should	should	AUX
fbem-15380	9	22	be	be	AUX
fbem-15380	9	23	raised	raise	VERB
fbem-15380	9	24	.	.	PUNCT
fbem-15380	10	1	keywords	keyword	NOUN
fbem-15380	10	2	:	:	PUNCT
fbem-15380	10	3	p2p	p2p	NOUN
fbem-15380	10	4	online	online	ADJ
fbem-15380	10	5	lending	lending	NOUN
fbem-15380	10	6	;	;	PUNCT
fbem-15380	10	7	internet	internet	NOUN
fbem-15380	10	8	finance	finance	NOUN
fbem-15380	10	9	;	;	PUNCT
fbem-15380	10	10	supervision	supervision	NOUN
fbem-15380	10	11	mechanism	mechanism	NOUN
fbem-15380	10	12	;	;	PUNCT
fbem-15380	10	13	credit	credit	NOUN
fbem-15380	10	14	evaluation	evaluation	NOUN
fbem-15380	10	15	;	;	PUNCT
fbem-15380	10	16	risk	risk	NOUN
fbem-15380	10	17	prevention	prevention	NOUN
fbem-15380	10	18	and	and	CCONJ
fbem-15380	10	19	control	control	NOUN
fbem-15380	10	20	.	.	PUNCT
fbem-15380	11	1	1	1	X
fbem-15380	11	2	.	.	X
fbem-15380	11	3	introduction	introduction	NOUN
fbem-15380	11	4	with	with	ADP
fbem-15380	11	5	the	the	DET
fbem-15380	11	6	central	central	ADJ
fbem-15380	11	7	bank	bank	NOUN
fbem-15380	11	8	promoting	promote	VERB
fbem-15380	11	9	the	the	DET
fbem-15380	11	10	digital	digital	ADJ
fbem-15380	11	11	rmb	rmb	NOUN
fbem-15380	11	12	to	to	PART
fbem-15380	11	13	start	start	VERB
fbem-15380	11	14	trial	trial	NOUN
fbem-15380	11	15	operation	operation	NOUN
fbem-15380	11	16	in	in	ADP
fbem-15380	11	17	pilot	pilot	NOUN
fbem-15380	11	18	cities	city	NOUN
fbem-15380	11	19	in	in	ADP
fbem-15380	11	20	china	china	PROPN
fbem-15380	11	21	,	,	PUNCT
fbem-15380	11	22	and	and	CCONJ
fbem-15380	11	23	it	it	PRON
fbem-15380	11	24	is	be	AUX
fbem-15380	11	25	also	also	ADV
fbem-15380	11	26	widely	widely	ADV
fbem-15380	11	27	used	use	VERB
fbem-15380	11	28	during	during	ADP
fbem-15380	11	29	the	the	DET
fbem-15380	11	30	mid	mid	PROPN
fbem-15380	11	31	-	-	PROPN
fbem-15380	11	32	autumn	autumn	NOUN
fbem-15380	11	33	festival	festival	NOUN
fbem-15380	11	34	and	and	CCONJ
fbem-15380	11	35	national	national	ADJ
fbem-15380	11	36	day	day	NOUN
fbem-15380	11	37	holidays	holiday	NOUN
fbem-15380	11	38	,	,	PUNCT
fbem-15380	11	39	internet	internet	NOUN
fbem-15380	11	40	+	+	CCONJ
fbem-15380	11	41	finance	finance	NOUN
fbem-15380	11	42	has	have	AUX
fbem-15380	11	43	entered	enter	VERB
fbem-15380	11	44	a	a	DET
fbem-15380	11	45	new	new	ADJ
fbem-15380	11	46	stage	stage	NOUN
fbem-15380	11	47	.	.	PUNCT
fbem-15380	12	1	looking	look	VERB
fbem-15380	12	2	back	back	ADV
fbem-15380	12	3	at	at	ADP
fbem-15380	12	4	the	the	DET
fbem-15380	12	5	development	development	NOUN
fbem-15380	12	6	of	of	ADP
fbem-15380	12	7	internet	internet	NOUN
fbem-15380	12	8	+	+	CCONJ
fbem-15380	12	9	finance	finance	NOUN
fbem-15380	12	10	in	in	ADP
fbem-15380	12	11	china	china	PROPN
fbem-15380	12	12	,	,	PUNCT
fbem-15380	12	13	p2p	p2p	NOUN
fbem-15380	12	14	online	online	ADJ
fbem-15380	12	15	lending	lending	NOUN
fbem-15380	12	16	can	can	AUX
fbem-15380	12	17	be	be	AUX
fbem-15380	12	18	said	say	VERB
fbem-15380	12	19	to	to	PART
fbem-15380	12	20	be	be	AUX
fbem-15380	12	21	a	a	DET
fbem-15380	12	22	leading	lead	VERB
fbem-15380	12	23	example	example	NOUN
fbem-15380	12	24	.	.	PUNCT
fbem-15380	13	1	the	the	DET
fbem-15380	13	2	failure	failure	NOUN
fbem-15380	13	3	experience	experience	NOUN
fbem-15380	13	4	and	and	CCONJ
fbem-15380	13	5	success	success	NOUN
fbem-15380	13	6	can	can	AUX
fbem-15380	13	7	provide	provide	VERB
fbem-15380	13	8	reference	reference	NOUN
fbem-15380	13	9	for	for	ADP
fbem-15380	13	10	the	the	DET
fbem-15380	13	11	further	further	ADJ
fbem-15380	13	12	development	development	NOUN
fbem-15380	13	13	of	of	ADP
fbem-15380	13	14	digital	digital	ADJ
fbem-15380	13	15	rmb	rmb	NOUN
fbem-15380	13	16	.	.	PUNCT
fbem-15380	14	1	although	although	SCONJ
fbem-15380	14	2	p2p	p2p	PRON
fbem-15380	14	3	online	online	ADJ
fbem-15380	14	4	lending	lending	NOUN
fbem-15380	14	5	,	,	PUNCT
fbem-15380	14	6	as	as	ADP
fbem-15380	14	7	a	a	DET
fbem-15380	14	8	new	new	ADJ
fbem-15380	14	9	financial	financial	ADJ
fbem-15380	14	10	instrument	instrument	NOUN
fbem-15380	14	11	,	,	PUNCT
fbem-15380	14	12	has	have	VERB
fbem-15380	14	13	the	the	DET
fbem-15380	14	14	characteristics	characteristic	NOUN
fbem-15380	14	15	of	of	ADP
fbem-15380	14	16	rapid	rapid	ADJ
fbem-15380	14	17	lending	lending	NOUN
fbem-15380	14	18	and	and	CCONJ
fbem-15380	14	19	relatively	relatively	ADV
fbem-15380	14	20	low	low	ADJ
fbem-15380	14	21	entry	entry	NOUN
fbem-15380	14	22	threshold	threshold	NOUN
fbem-15380	14	23	,	,	PUNCT
fbem-15380	14	24	allowing	allow	VERB
fbem-15380	14	25	more	more	ADJ
fbem-15380	14	26	ordinary	ordinary	ADJ
fbem-15380	14	27	people	people	NOUN
fbem-15380	14	28	to	to	PART
fbem-15380	14	29	access	access	VERB
fbem-15380	14	30	inclusive	inclusive	ADJ
fbem-15380	14	31	finance	finance	NOUN
fbem-15380	14	32	and	and	CCONJ
fbem-15380	14	33	providing	provide	VERB
fbem-15380	14	34	a	a	DET
fbem-15380	14	35	faster	fast	ADJ
fbem-15380	14	36	financing	financing	NOUN
fbem-15380	14	37	channel	channel	NOUN
fbem-15380	14	38	for	for	ADP
fbem-15380	14	39	small	small	ADJ
fbem-15380	14	40	and	and	CCONJ
fbem-15380	14	41	medium	medium	ADJ
fbem-15380	14	42	-	-	PUNCT
fbem-15380	14	43	sized	sized	ADJ
fbem-15380	14	44	enterprises	enterprise	NOUN
fbem-15380	14	45	,	,	PUNCT
fbem-15380	14	46	it	it	PRON
fbem-15380	14	47	is	be	AUX
fbem-15380	14	48	not	not	PART
fbem-15380	14	49	difficult	difficult	ADJ
fbem-15380	14	50	to	to	PART
fbem-15380	14	51	find	find	VERB
fbem-15380	14	52	that	that	SCONJ
fbem-15380	14	53	it	it	PRON
fbem-15380	14	54	has	have	AUX
fbem-15380	14	55	gradually	gradually	ADV
fbem-15380	14	56	become	become	VERB
fbem-15380	14	57	an	an	DET
fbem-15380	14	58	experimental	experimental	ADJ
fbem-15380	14	59	site	site	NOUN
fbem-15380	14	60	of	of	ADP
fbem-15380	14	61	opportunism	opportunism	NOUN
fbem-15380	14	62	in	in	ADP
fbem-15380	14	63	the	the	DET
fbem-15380	14	64	explosion	explosion	NOUN
fbem-15380	14	65	incident	incident	NOUN
fbem-15380	14	66	after	after	ADP
fbem-15380	14	67	the	the	DET
fbem-15380	14	68	rapid	rapid	ADJ
fbem-15380	14	69	development	development	NOUN
fbem-15380	14	70	momentum	momentum	NOUN
fbem-15380	14	71	.	.	PUNCT
fbem-15380	15	1	after	after	ADP
fbem-15380	15	2	analyzing	analyze	VERB
fbem-15380	15	3	the	the	DET
fbem-15380	15	4	typical	typical	ADJ
fbem-15380	15	5	mine	mine	ADJ
fbem-15380	15	6	explosion	explosion	NOUN
fbem-15380	15	7	event	event	NOUN
fbem-15380	15	8	,	,	PUNCT
fbem-15380	15	9	insufficient	insufficient	ADJ
fbem-15380	15	10	supervision	supervision	NOUN
fbem-15380	15	11	mechanism	mechanism	NOUN
fbem-15380	15	12	,	,	PUNCT
fbem-15380	15	13	insufficient	insufficient	ADJ
fbem-15380	15	14	credit	credit	NOUN
fbem-15380	15	15	evaluation	evaluation	NOUN
fbem-15380	15	16	and	and	CCONJ
fbem-15380	15	17	inadequate	inadequate	ADJ
fbem-15380	15	18	risk	risk	NOUN
fbem-15380	15	19	prevention	prevention	NOUN
fbem-15380	15	20	and	and	CCONJ
fbem-15380	15	21	control	control	NOUN
fbem-15380	15	22	are	be	AUX
fbem-15380	15	23	important	important	ADJ
fbem-15380	15	24	factors	factor	NOUN
fbem-15380	15	25	inducing	induce	VERB
fbem-15380	15	26	such	such	ADJ
fbem-15380	15	27	events	event	NOUN
fbem-15380	15	28	.	.	PUNCT
fbem-15380	16	1	this	this	DET
fbem-15380	16	2	paper	paper	NOUN
fbem-15380	16	3	will	will	AUX
fbem-15380	16	4	focus	focus	VERB
fbem-15380	16	5	on	on	ADP
fbem-15380	16	6	the	the	DET
fbem-15380	16	7	discussion	discussion	NOUN
fbem-15380	16	8	of	of	ADP
fbem-15380	16	9	supervision	supervision	NOUN
fbem-15380	16	10	mechanism	mechanism	NOUN
fbem-15380	16	11	,	,	PUNCT
fbem-15380	16	12	credit	credit	NOUN
fbem-15380	16	13	assessment	assessment	NOUN
fbem-15380	16	14	and	and	CCONJ
fbem-15380	16	15	risk	risk	NOUN
fbem-15380	16	16	prevention	prevention	NOUN
fbem-15380	16	17	and	and	CCONJ
fbem-15380	16	18	control	control	NOUN
fbem-15380	16	19	as	as	ADP
fbem-15380	16	20	a	a	DET
fbem-15380	16	21	supplement	supplement	NOUN
fbem-15380	16	22	to	to	PART
fbem-15380	16	23	carry	carry	VERB
fbem-15380	16	24	out	out	ADP
fbem-15380	16	25	the	the	DET
fbem-15380	16	26	discussion	discussion	NOUN
fbem-15380	16	27	.	.	PUNCT
fbem-15380	17	1	2	2	X
fbem-15380	17	2	.	.	X
fbem-15380	17	3	p2p	p2p	NOUN
fbem-15380	17	4	network	network	NOUN
fbem-15380	17	5	loan	loan	NOUN
fbem-15380	17	6	case	case	NOUN
fbem-15380	17	7	specific	specific	ADJ
fbem-15380	17	8	problems	problem	NOUN
fbem-15380	17	9	review	review	VERB
fbem-15380	17	10	2.1	2.1	NUM
fbem-15380	17	11	.	.	PUNCT
fbem-15380	18	1	p2p	p2p	NOUN
fbem-15380	18	2	network	network	NOUN
fbem-15380	18	3	loan	loan	NOUN
fbem-15380	18	4	concept	concept	NOUN
fbem-15380	18	5	and	and	CCONJ
fbem-15380	18	6	its	its	PRON
fbem-15380	18	7	evolution	evolution	NOUN
fbem-15380	18	8	track	track	NOUN
fbem-15380	18	9	although	although	SCONJ
fbem-15380	18	10	p2p	p2p	NOUN
fbem-15380	18	11	online	online	ADJ
fbem-15380	18	12	lending	lending	NOUN
fbem-15380	18	13	originated	originate	VERB
fbem-15380	18	14	in	in	ADP
fbem-15380	18	15	the	the	DET
fbem-15380	18	16	united	united	ADJ
fbem-15380	18	17	kingdom	kingdom	NOUN
fbem-15380	18	18	in	in	ADP
fbem-15380	18	19	the	the	DET
fbem-15380	18	20	1990s	1990	NOUN
fbem-15380	18	21	,	,	PUNCT
fbem-15380	18	22	it	it	PRON
fbem-15380	18	23	really	really	ADV
fbem-15380	18	24	began	begin	VERB
fbem-15380	18	25	to	to	PART
fbem-15380	18	26	develop	develop	VERB
fbem-15380	18	27	in	in	ADP
fbem-15380	18	28	the	the	DET
fbem-15380	18	29	international	international	ADJ
fbem-15380	18	30	capital	capital	NOUN
fbem-15380	18	31	market	market	NOUN
fbem-15380	18	32	in	in	ADP
fbem-15380	18	33	the	the	DET
fbem-15380	18	34	united	united	ADJ
fbem-15380	18	35	kingdom	kingdom	NOUN
fbem-15380	18	36	in	in	ADP
fbem-15380	18	37	2005	2005	NUM
fbem-15380	18	38	.	.	PUNCT
fbem-15380	19	1	at	at	ADP
fbem-15380	19	2	the	the	DET
fbem-15380	19	3	beginning	beginning	NOUN
fbem-15380	19	4	of	of	ADP
fbem-15380	19	5	its	its	PRON
fbem-15380	19	6	operation	operation	NOUN
fbem-15380	19	7	,	,	PUNCT
fbem-15380	19	8	this	this	DET
fbem-15380	19	9	mode	mode	NOUN
fbem-15380	19	10	overcomes	overcome	VERB
fbem-15380	19	11	the	the	DET
fbem-15380	19	12	disadvantages	disadvantage	NOUN
fbem-15380	19	13	of	of	ADP
fbem-15380	19	14	traditional	traditional	ADJ
fbem-15380	19	15	financial	financial	ADJ
fbem-15380	19	16	intermediaries	intermediary	NOUN
fbem-15380	19	17	such	such	ADJ
fbem-15380	19	18	as	as	ADP
fbem-15380	19	19	asymmetric	asymmetric	ADJ
fbem-15380	19	20	bank	bank	NOUN
fbem-15380	19	21	information	information	NOUN
fbem-15380	19	22	and	and	CCONJ
fbem-15380	19	23	long	long	ADJ
fbem-15380	19	24	loan	loan	NOUN
fbem-15380	19	25	cycle	cycle	NOUN
fbem-15380	19	26	of	of	ADP
fbem-15380	19	27	the	the	DET
fbem-15380	19	28	borrower	borrower	NOUN
fbem-15380	19	29	,	,	PUNCT
fbem-15380	19	30	and	and	CCONJ
fbem-15380	19	31	can	can	AUX
fbem-15380	19	32	help	help	VERB
fbem-15380	19	33	small	small	ADJ
fbem-15380	19	34	and	and	CCONJ
fbem-15380	19	35	medium	medium	ADJ
fbem-15380	19	36	-	-	PUNCT
fbem-15380	19	37	sized	sized	ADJ
fbem-15380	19	38	enterprises	enterprise	NOUN
fbem-15380	19	39	alleviate	alleviate	VERB
fbem-15380	19	40	the	the	DET
fbem-15380	19	41	difficulties	difficulty	NOUN
fbem-15380	19	42	in	in	ADP
fbem-15380	19	43	using	use	VERB
fbem-15380	19	44	short	short	ADJ
fbem-15380	19	45	-	-	PUNCT
fbem-15380	19	46	term	term	NOUN
fbem-15380	19	47	funds	fund	NOUN
fbem-15380	19	48	.	.	PUNCT
fbem-15380	20	1	the	the	DET
fbem-15380	20	2	introduction	introduction	NOUN
fbem-15380	20	3	of	of	ADP
fbem-15380	20	4	p2p	p2p	NOUN
fbem-15380	20	5	online	online	ADJ
fbem-15380	20	6	lending	lending	NOUN
fbem-15380	20	7	to	to	ADP
fbem-15380	20	8	china	china	PROPN
fbem-15380	20	9	was	be	AUX
fbem-15380	20	10	marked	mark	VERB
fbem-15380	20	11	by	by	ADP
fbem-15380	20	12	the	the	DET
fbem-15380	20	13	establishment	establishment	NOUN
fbem-15380	20	14	of	of	ADP
fbem-15380	20	15	ppdai	ppdai	PROPN
fbem-15380	20	16	in	in	ADP
fbem-15380	20	17	shanghai	shanghai	PROPN
fbem-15380	20	18	in	in	ADP
fbem-15380	20	19	2005	2005	NUM
fbem-15380	20	20	,	,	PUNCT
fbem-15380	20	21	and	and	CCONJ
fbem-15380	20	22	related	related	ADJ
fbem-15380	20	23	companies	company	NOUN
fbem-15380	20	24	have	have	AUX
fbem-15380	20	25	mushroomed	mushroom	VERB
fbem-15380	20	26	in	in	ADP
fbem-15380	20	27	the	the	DET
fbem-15380	20	28	chinese	chinese	ADJ
fbem-15380	20	29	market	market	NOUN
fbem-15380	20	30	.	.	PUNCT
fbem-15380	21	1	from	from	ADP
fbem-15380	21	2	2013	2013	NUM
fbem-15380	21	3	to	to	ADP
fbem-15380	21	4	2015	2015	NUM
fbem-15380	21	5	,	,	PUNCT
fbem-15380	21	6	p2p	p2p	NOUN
fbem-15380	21	7	online	online	ADJ
fbem-15380	21	8	lending	lending	NOUN
fbem-15380	21	9	entered	enter	VERB
fbem-15380	21	10	a	a	DET
fbem-15380	21	11	stage	stage	NOUN
fbem-15380	21	12	of	of	ADP
fbem-15380	21	13	rapid	rapid	ADJ
fbem-15380	21	14	development	development	NOUN
fbem-15380	21	15	in	in	ADP
fbem-15380	21	16	china	china	PROPN
fbem-15380	21	17	,	,	PUNCT
fbem-15380	21	18	but	but	CCONJ
fbem-15380	21	19	problems	problem	NOUN
fbem-15380	21	20	gradually	gradually	ADV
fbem-15380	21	21	emerged	emerge	VERB
fbem-15380	21	22	during	during	ADP
fbem-15380	21	23	this	this	DET
fbem-15380	21	24	stage	stage	NOUN
fbem-15380	21	25	,	,	PUNCT
fbem-15380	21	26	and	and	CCONJ
fbem-15380	21	27	the	the	DET
fbem-15380	21	28	regulatory	regulatory	ADJ
fbem-15380	21	29	mechanism	mechanism	NOUN
fbem-15380	21	30	was	be	AUX
fbem-15380	21	31	the	the	DET
fbem-15380	21	32	main	main	ADJ
fbem-15380	21	33	aspect	aspect	NOUN
fbem-15380	21	34	of	of	ADP
fbem-15380	21	35	these	these	DET
fbem-15380	21	36	problems	problem	NOUN
fbem-15380	21	37	.	.	PUNCT
fbem-15380	22	1	2.2	2.2	NUM
fbem-15380	22	2	.	.	PUNCT
fbem-15380	23	1	the	the	DET
fbem-15380	23	2	case	case	NOUN
fbem-15380	23	3	of	of	ADP
fbem-15380	23	4	the	the	DET
fbem-15380	23	5	development	development	NOUN
fbem-15380	23	6	of	of	ADP
fbem-15380	23	7	p2p	p2p	NOUN
fbem-15380	23	8	online	online	ADJ
fbem-15380	23	9	lending	lending	NOUN
fbem-15380	23	10	in	in	ADP
fbem-15380	23	11	china	china	PROPN
fbem-15380	23	12	in	in	ADP
fbem-15380	23	13	the	the	DET
fbem-15380	23	14	development	development	NOUN
fbem-15380	23	15	process	process	NOUN
fbem-15380	23	16	of	of	ADP
fbem-15380	23	17	p2p	p2p	NOUN
fbem-15380	23	18	lending	lend	VERB
fbem-15380	23	19	in	in	ADP
fbem-15380	23	20	our	our	PRON
fbem-15380	23	21	country	country	NOUN
fbem-15380	23	22	,	,	PUNCT
fbem-15380	23	23	although	although	SCONJ
fbem-15380	23	24	many	many	ADJ
fbem-15380	23	25	website	website	NOUN
fbem-15380	23	26	operators	operator	NOUN
fbem-15380	23	27	are	be	AUX
fbem-15380	23	28	illegal	illegal	ADJ
fbem-15380	23	29	fund	fund	NOUN
fbem-15380	23	30	-	-	PUNCT
fbem-15380	23	31	raising	raising	NOUN
fbem-15380	23	32	for	for	ADP
fbem-15380	23	33	the	the	DET
fbem-15380	23	34	purpose	purpose	NOUN
fbem-15380	23	35	,	,	PUNCT
fbem-15380	23	36	such	such	ADJ
fbem-15380	23	37	as	as	ADP
fbem-15380	23	38	the	the	DET
fbem-15380	23	39	explosion	explosion	NOUN
fbem-15380	23	40	of	of	ADP
fbem-15380	23	41	jingyi	jingyi	NOUN
fbem-15380	23	42	wealth	wealth	NOUN
fbem-15380	23	43	,	,	PUNCT
fbem-15380	23	44	but	but	CCONJ
fbem-15380	23	45	there	there	PRON
fbem-15380	23	46	are	be	VERB
fbem-15380	23	47	also	also	ADV
fbem-15380	23	48	more	more	ADV
fbem-15380	23	49	excellent	excellent	ADJ
fbem-15380	23	50	websites	website	NOUN
fbem-15380	23	51	,	,	PUNCT
fbem-15380	23	52	such	such	ADJ
fbem-15380	23	53	as	as	ADP
fbem-15380	23	54	renren	renren	PROPN
fbem-15380	23	55	loan	loan	NOUN
fbem-15380	23	56	.	.	PUNCT
fbem-15380	24	1	the	the	DET
fbem-15380	24	2	following	follow	VERB
fbem-15380	24	3	content	content	NOUN
fbem-15380	24	4	takes	take	VERB
fbem-15380	24	5	the	the	DET
fbem-15380	24	6	two	two	NUM
fbem-15380	24	7	websites	website	NOUN
fbem-15380	24	8	as	as	ADP
fbem-15380	24	9	a	a	DET
fbem-15380	24	10	reference	reference	NOUN
fbem-15380	24	11	to	to	PART
fbem-15380	24	12	analyze	analyze	VERB
fbem-15380	24	13	their	their	PRON
fbem-15380	24	14	outstanding	outstanding	ADJ
fbem-15380	24	15	and	and	CCONJ
fbem-15380	24	16	inadequate	inadequate	ADJ
fbem-15380	24	17	parts	part	NOUN
fbem-15380	24	18	in	in	ADP
fbem-15380	24	19	the	the	DET
fbem-15380	24	20	supervision	supervision	NOUN
fbem-15380	24	21	mechanism	mechanism	NOUN
fbem-15380	24	22	.	.	PUNCT
fbem-15380	25	1	first	first	ADV
fbem-15380	25	2	of	of	ADP
fbem-15380	25	3	all	all	PRON
fbem-15380	25	4	,	,	PUNCT
fbem-15380	25	5	on	on	ADP
fbem-15380	25	6	the	the	DET
fbem-15380	25	7	outstanding	outstanding	ADJ
fbem-15380	25	8	side	side	NOUN
fbem-15380	25	9	,	,	PUNCT
fbem-15380	25	10	take	take	VERB
fbem-15380	25	11	renrendai	renrendai	NOUN
fbem-15380	25	12	asan	asan	ADJ
fbem-15380	25	13	example	example	NOUN
fbem-15380	25	14	.	.	PUNCT
fbem-15380	26	1	renrendai	renrendai	PROPN
fbem-15380	26	2	was	be	AUX
fbem-15380	26	3	founded	found	VERB
fbem-15380	26	4	in	in	ADP
fbem-15380	26	5	2010	2010	NUM
fbem-15380	26	6	and	and	CCONJ
fbem-15380	26	7	received	receive	VERB
fbem-15380	26	8	130	130	NUM
fbem-15380	26	9	million	million	NUM
fbem-15380	26	10	us	us	PROPN
fbem-15380	26	11	stock	stock	VERB
fbem-15380	26	12	a	a	DET
fbem-15380	26	13	round	round	NOUN
fbem-15380	26	14	of	of	ADP
fbem-15380	26	15	financing	financing	NOUN
fbem-15380	26	16	in	in	ADP
fbem-15380	26	17	2013	2013	NUM
fbem-15380	26	18	.	.	PUNCT
fbem-15380	27	1	in	in	ADP
fbem-15380	27	2	addition	addition	NOUN
fbem-15380	27	3	,	,	PUNCT
fbem-15380	27	4	renrendai	renrendai	NOUN
fbem-15380	27	5	is	be	AUX
fbem-15380	27	6	also	also	ADV
fbem-15380	27	7	a	a	DET
fbem-15380	27	8	council	council	NOUN
fbem-15380	27	9	member	member	NOUN
fbem-15380	27	10	of	of	ADP
fbem-15380	27	11	the	the	DET
fbem-15380	27	12	internet	internet	NOUN
fbem-15380	27	13	finance	finance	NOUN
fbem-15380	27	14	association	association	PROPN
fbem-15380	27	15	of	of	ADP
fbem-15380	27	16	china	china	PROPN
fbem-15380	27	17	.	.	PUNCT
fbem-15380	28	1	in	in	ADP
fbem-15380	28	2	terms	term	NOUN
fbem-15380	28	3	of	of	ADP
fbem-15380	28	4	supervision	supervision	NOUN
fbem-15380	28	5	mechanism	mechanism	NOUN
fbem-15380	28	6	,	,	PUNCT
fbem-15380	28	7	it	it	PRON
fbem-15380	28	8	can	can	AUX
fbem-15380	28	9	make	make	VERB
fbem-15380	28	10	excellent	excellent	ADJ
fbem-15380	28	11	achievements	achievement	NOUN
fbem-15380	28	12	because	because	SCONJ
fbem-15380	28	13	the	the	DET
fbem-15380	28	14	platform	platform	NOUN
fbem-15380	28	15	will	will	AUX
fbem-15380	28	16	conduct	conduct	VERB
fbem-15380	28	17	credit	credit	NOUN
fbem-15380	28	18	review	review	NOUN
fbem-15380	28	19	on	on	ADP
fbem-15380	28	20	the	the	DET
fbem-15380	28	21	users	user	NOUN
fbem-15380	28	22	who	who	PRON
fbem-15380	28	23	apply	apply	VERB
fbem-15380	28	24	for	for	ADP
fbem-15380	28	25	loans	loan	NOUN
fbem-15380	28	26	,	,	PUNCT
fbem-15380	28	27	and	and	CCONJ
fbem-15380	28	28	evaluate	evaluate	VERB
fbem-15380	28	29	them	they	PRON
fbem-15380	28	30	according	accord	VERB
fbem-15380	28	31	to	to	ADP
fbem-15380	28	32	the	the	DET
fbem-15380	28	33	personal	personal	ADJ
fbem-15380	28	34	credit	credit	NOUN
fbem-15380	28	35	risk	risk	NOUN
fbem-15380	28	36	analysis	analysis	NOUN
fbem-15380	28	37	system	system	NOUN
fbem-15380	28	38	after	after	ADP
fbem-15380	28	39	the	the	DET
fbem-15380	28	40	verification	verification	NOUN
fbem-15380	28	41	of	of	ADP
fbem-15380	28	42	the	the	DET
fbem-15380	28	43	information	information	NOUN
fbem-15380	28	44	.	.	PUNCT
fbem-15380	29	1	only	only	ADV
fbem-15380	29	2	after	after	ADP
fbem-15380	29	3	passing	pass	VERB
fbem-15380	29	4	the	the	DET
fbem-15380	29	5	review	review	NOUN
fbem-15380	29	6	will	will	AUX
fbem-15380	29	7	the	the	DET
fbem-15380	29	8	customers	customer	NOUN
fbem-15380	29	9	'	'	PART
fbem-15380	29	10	loan	loan	NOUN
fbem-15380	29	11	needs	need	NOUN
fbem-15380	29	12	be	be	AUX
fbem-15380	29	13	displayed	display	VERB
fbem-15380	29	14	and	and	CCONJ
fbem-15380	29	15	recommended	recommend	VERB
fbem-15380	29	16	to	to	ADP
fbem-15380	29	17	the	the	DET
fbem-15380	29	18	lenders	lender	NOUN
fbem-15380	29	19	on	on	ADP
fbem-15380	29	20	the	the	DET
fbem-15380	29	21	platform	platform	NOUN
fbem-15380	29	22	.	.	PUNCT
fbem-15380	30	1	secondly	secondly	ADV
fbem-15380	30	2	,	,	PUNCT
fbem-15380	30	3	on	on	ADP
fbem-15380	30	4	the	the	DET
fbem-15380	30	5	side	side	NOUN
fbem-15380	30	6	of	of	ADP
fbem-15380	30	7	relative	relative	ADJ
fbem-15380	30	8	failure	failure	NOUN
fbem-15380	30	9	,	,	PUNCT
fbem-15380	30	10	it	it	PRON
fbem-15380	30	11	takes	take	VERB
fbem-15380	30	12	jing	je	VERB
fbem-15380	30	13	yi	yi	PROPN
fbem-15380	30	14	wealth	wealth	NOUN
fbem-15380	30	15	as	as	ADP
fbem-15380	30	16	an	an	DET
fbem-15380	30	17	example	example	NOUN
fbem-15380	30	18	.	.	PUNCT
fbem-15380	31	1	the	the	DET
fbem-15380	31	2	explosion	explosion	NOUN
fbem-15380	31	3	of	of	ADP
fbem-15380	31	4	the	the	DET
fbem-15380	31	5	website	website	NOUN
fbem-15380	31	6	can	can	AUX
fbem-15380	31	7	be	be	AUX
fbem-15380	31	8	seen	see	VERB
fbem-15380	31	9	as	as	ADP
fbem-15380	31	10	the	the	DET
fbem-15380	31	11	founder	founder	NOUN
fbem-15380	31	12	of	of	ADP
fbem-15380	31	13	the	the	DET
fbem-15380	31	14	platform	platform	NOUN
fbem-15380	31	15	used	use	VERB
fbem-15380	31	16	the	the	DET
fbem-15380	31	17	platform	platform	NOUN
fbem-15380	31	18	to	to	PART
fbem-15380	31	19	achieve	achieve	VERB
fbem-15380	31	20	the	the	DET
fbem-15380	31	21	purpose	purpose	NOUN
fbem-15380	31	22	of	of	ADP
fbem-15380	31	23	running	run	VERB
fbem-15380	31	24	money	money	NOUN
fbem-15380	31	25	away	away	ADV
fbem-15380	31	26	,	,	PUNCT
fbem-15380	31	27	exaggerating	exaggerate	VERB
fbem-15380	31	28	the	the	DET
fbem-15380	31	29	investment	investment	NOUN
fbem-15380	31	30	and	and	CCONJ
fbem-15380	31	31	income	income	NOUN
fbem-15380	31	32	of	of	ADP
fbem-15380	31	33	the	the	DET
fbem-15380	31	34	actual	actual	ADJ
fbem-15380	31	35	project	project	NOUN
fbem-15380	31	36	to	to	PART
fbem-15380	31	37	attract	attract	VERB
fbem-15380	31	38	investors	investor	NOUN
fbem-15380	31	39	,	,	PUNCT
fbem-15380	31	40	false	false	ADJ
fbem-15380	31	41	publicity	publicity	NOUN
fbem-15380	31	42	and	and	CCONJ
fbem-15380	31	43	fake	fake	ADJ
fbem-15380	31	44	projects	project	NOUN
fbem-15380	31	45	to	to	PART
fbem-15380	31	46	attract	attract	VERB
fbem-15380	31	47	more	more	ADJ
fbem-15380	31	48	87	87	NUM
fbem-15380	31	49	investors	investor	NOUN
fbem-15380	31	50	to	to	PART
fbem-15380	31	51	inject	inject	VERB
fbem-15380	31	52	funds	fund	NOUN
fbem-15380	31	53	.	.	PUNCT
fbem-15380	32	1	in	in	ADP
fbem-15380	32	2	the	the	DET
fbem-15380	32	3	three	three	NUM
fbem-15380	32	4	dimensions	dimension	NOUN
fbem-15380	32	5	of	of	ADP
fbem-15380	32	6	investors	investor	NOUN
fbem-15380	32	7	,	,	PUNCT
fbem-15380	32	8	debtors	debtor	NOUN
fbem-15380	32	9	and	and	CCONJ
fbem-15380	32	10	admission	admission	NOUN
fbem-15380	32	11	projects	project	NOUN
fbem-15380	32	12	have	have	AUX
fbem-15380	32	13	failed	fail	VERB
fbem-15380	32	14	to	to	PART
fbem-15380	32	15	do	do	VERB
fbem-15380	32	16	strict	strict	ADJ
fbem-15380	32	17	supervision	supervision	NOUN
fbem-15380	32	18	,	,	PUNCT
fbem-15380	32	19	to	to	ADP
fbem-15380	32	20	a	a	DET
fbem-15380	32	21	large	large	ADJ
fbem-15380	32	22	extent	extent	NOUN
fbem-15380	32	23	created	create	VERB
fbem-15380	32	24	the	the	DET
fbem-15380	32	25	jingyi	jingyi	NOUN
fbem-15380	32	26	wealth	wealth	NOUN
fbem-15380	32	27	explosion	explosion	NOUN
fbem-15380	32	28	event	event	NOUN
fbem-15380	32	29	.	.	PUNCT
fbem-15380	33	1	finally	finally	ADV
fbem-15380	33	2	,	,	PUNCT
fbem-15380	33	3	some	some	DET
fbem-15380	33	4	scholars	scholar	NOUN
fbem-15380	33	5	have	have	AUX
fbem-15380	33	6	noticed	notice	VERB
fbem-15380	33	7	that	that	SCONJ
fbem-15380	33	8	the	the	DET
fbem-15380	33	9	online	online	ADJ
fbem-15380	33	10	loans	loan	NOUN
fbem-15380	33	11	realized	realize	VERB
fbem-15380	33	12	by	by	ADP
fbem-15380	33	13	p2p	p2p	NOUN
fbem-15380	33	14	are	be	AUX
fbem-15380	33	15	realized	realize	VERB
fbem-15380	33	16	under	under	ADP
fbem-15380	33	17	the	the	DET
fbem-15380	33	18	online	online	ADJ
fbem-15380	33	19	loans	loan	NOUN
fbem-15380	33	20	without	without	ADP
fbem-15380	33	21	mortgage	mortgage	NOUN
fbem-15380	33	22	or	or	CCONJ
fbem-15380	33	23	guarantee	guarantee	NOUN
fbem-15380	33	24	.	.	PUNCT
fbem-15380	34	1	if	if	SCONJ
fbem-15380	34	2	the	the	DET
fbem-15380	34	3	borrower	borrower	NOUN
fbem-15380	34	4	and	and	CCONJ
fbem-15380	34	5	the	the	DET
fbem-15380	34	6	borrower	borrower	NOUN
fbem-15380	34	7	enter	enter	VERB
fbem-15380	34	8	the	the	DET
fbem-15380	34	9	litigation	litigation	NOUN
fbem-15380	34	10	process	process	NOUN
fbem-15380	34	11	,	,	PUNCT
fbem-15380	34	12	the	the	DET
fbem-15380	34	13	evidence	evidence	NOUN
fbem-15380	34	14	they	they	PRON
fbem-15380	34	15	can	can	AUX
fbem-15380	34	16	enumerate	enumerate	VERB
fbem-15380	34	17	is	be	AUX
fbem-15380	34	18	electronic	electronic	ADJ
fbem-15380	34	19	data	datum	NOUN
fbem-15380	34	20	,	,	PUNCT
fbem-15380	34	21	and	and	CCONJ
fbem-15380	34	22	its	its	PRON
fbem-15380	34	23	authenticity	authenticity	NOUN
fbem-15380	34	24	is	be	AUX
fbem-15380	34	25	the	the	DET
fbem-15380	34	26	key	key	ADJ
fbem-15380	34	27	factor	factor	NOUN
fbem-15380	34	28	affecting	affect	VERB
fbem-15380	34	29	the	the	DET
fbem-15380	34	30	court	court	NOUN
fbem-15380	34	31	's	's	PART
fbem-15380	34	32	decision	decision	NOUN
fbem-15380	34	33	.	.	PUNCT
fbem-15380	35	1	the	the	DET
fbem-15380	35	2	fidelity	fidelity	NOUN
fbem-15380	35	3	of	of	ADP
fbem-15380	35	4	electronic	electronic	ADJ
fbem-15380	35	5	evidence	evidence	NOUN
fbem-15380	35	6	and	and	CCONJ
fbem-15380	35	7	the	the	DET
fbem-15380	35	8	amount	amount	NOUN
fbem-15380	35	9	claimed	claim	VERB
fbem-15380	35	10	by	by	ADP
fbem-15380	35	11	both	both	DET
fbem-15380	35	12	parties	party	NOUN
fbem-15380	35	13	are	be	AUX
fbem-15380	35	14	more	more	ADV
fbem-15380	35	15	difficult	difficult	ADJ
fbem-15380	35	16	to	to	PART
fbem-15380	35	17	determine	determine	VERB
fbem-15380	35	18	.	.	PUNCT
fbem-15380	36	1	[	[	X
fbem-15380	36	2	1	1	X
fbem-15380	36	3	]	]	SYM
fbem-15380	36	4	2.3	2.3	NUM
fbem-15380	36	5	.	.	PUNCT
fbem-15380	37	1	successful	successful	ADJ
fbem-15380	37	2	cases	case	NOUN
fbem-15380	37	3	of	of	ADP
fbem-15380	37	4	p2p	p2p	NOUN
fbem-15380	37	5	online	online	ADJ
fbem-15380	37	6	lending	lending	NOUN
fbem-15380	37	7	in	in	ADP
fbem-15380	37	8	foreign	foreign	ADJ
fbem-15380	37	9	countries	country	NOUN
fbem-15380	37	10	at	at	ADP
fbem-15380	37	11	present	present	ADJ
fbem-15380	37	12	,	,	PUNCT
fbem-15380	37	13	the	the	DET
fbem-15380	37	14	supervision	supervision	NOUN
fbem-15380	37	15	mechanism	mechanism	NOUN
fbem-15380	37	16	of	of	ADP
fbem-15380	37	17	p2p	p2p	NOUN
fbem-15380	37	18	online	online	ADJ
fbem-15380	37	19	lending	lending	NOUN
fbem-15380	37	20	in	in	ADP
fbem-15380	37	21	foreign	foreign	ADJ
fbem-15380	37	22	countries	country	NOUN
fbem-15380	37	23	has	have	AUX
fbem-15380	37	24	also	also	ADV
fbem-15380	37	25	made	make	VERB
fbem-15380	37	26	great	great	ADJ
fbem-15380	37	27	progress	progress	NOUN
fbem-15380	37	28	.	.	PUNCT
fbem-15380	38	1	some	some	DET
fbem-15380	38	2	countries	country	NOUN
fbem-15380	38	3	in	in	ADP
fbem-15380	38	4	the	the	DET
fbem-15380	38	5	european	european	PROPN
fbem-15380	38	6	union	union	PROPN
fbem-15380	38	7	(	(	PUNCT
fbem-15380	38	8	such	such	ADJ
fbem-15380	38	9	as	as	ADP
fbem-15380	38	10	the	the	DET
fbem-15380	38	11	netherlands	netherland	NOUN
fbem-15380	38	12	)	)	PUNCT
fbem-15380	38	13	,	,	PUNCT
fbem-15380	38	14	the	the	DET
fbem-15380	38	15	united	united	PROPN
fbem-15380	38	16	states	states	PROPN
fbem-15380	38	17	and	and	CCONJ
fbem-15380	38	18	indonesia	indonesia	PROPN
fbem-15380	38	19	have	have	AUX
fbem-15380	38	20	integrated	integrate	VERB
fbem-15380	38	21	their	their	PRON
fbem-15380	38	22	regulatory	regulatory	ADJ
fbem-15380	38	23	mechanisms	mechanism	NOUN
fbem-15380	38	24	into	into	ADP
fbem-15380	38	25	the	the	DET
fbem-15380	38	26	operation	operation	NOUN
fbem-15380	38	27	of	of	ADP
fbem-15380	38	28	p2p	p2p	NOUN
fbem-15380	38	29	lending	lending	NOUN
fbem-15380	38	30	platforms	platform	NOUN
fbem-15380	38	31	.	.	PUNCT
fbem-15380	39	1	here	here	ADV
fbem-15380	39	2	are	be	AUX
fbem-15380	39	3	the	the	DET
fbem-15380	39	4	detailed	detailed	ADJ
fbem-15380	39	5	measures	measure	NOUN
fbem-15380	39	6	taken	take	VERB
fbem-15380	39	7	by	by	ADP
fbem-15380	39	8	each	each	DET
fbem-15380	39	9	country	country	NOUN
fbem-15380	39	10	.	.	PUNCT
fbem-15380	40	1	first	first	ADV
fbem-15380	40	2	of	of	ADP
fbem-15380	40	3	all	all	PRON
fbem-15380	40	4	,	,	PUNCT
fbem-15380	40	5	when	when	SCONJ
fbem-15380	40	6	dealing	deal	VERB
fbem-15380	40	7	with	with	ADP
fbem-15380	40	8	the	the	DET
fbem-15380	40	9	problem	problem	NOUN
fbem-15380	40	10	of	of	ADP
fbem-15380	40	11	p2p	p2p	NOUN
fbem-15380	40	12	platforms	platform	NOUN
fbem-15380	40	13	,	,	PUNCT
fbem-15380	40	14	the	the	DET
fbem-15380	40	15	netherlands	netherlands	PROPN
fbem-15380	40	16	has	have	AUX
fbem-15380	40	17	refined	refine	VERB
fbem-15380	40	18	the	the	DET
fbem-15380	40	19	supervision	supervision	NOUN
fbem-15380	40	20	mechanism	mechanism	NOUN
fbem-15380	40	21	for	for	ADP
fbem-15380	40	22	platforms	platform	NOUN
fbem-15380	40	23	and	and	CCONJ
fbem-15380	40	24	creditors	creditor	NOUN
fbem-15380	40	25	.	.	PUNCT
fbem-15380	41	1	they	they	PRON
fbem-15380	41	2	set	set	VERB
fbem-15380	41	3	an	an	DET
fbem-15380	41	4	investment	investment	NOUN
fbem-15380	41	5	ceiling	ceiling	NOUN
fbem-15380	41	6	for	for	ADP
fbem-15380	41	7	creditor	creditor	NOUN
fbem-15380	41	8	investment	investment	NOUN
fbem-15380	41	9	projects	project	NOUN
fbem-15380	41	10	,	,	PUNCT
fbem-15380	41	11	actively	actively	ADV
fbem-15380	41	12	confirm	confirm	VERB
fbem-15380	41	13	and	and	CCONJ
fbem-15380	41	14	review	review	VERB
fbem-15380	41	15	through	through	ADP
fbem-15380	41	16	email	email	NOUN
fbem-15380	41	17	when	when	SCONJ
fbem-15380	41	18	selecting	select	VERB
fbem-15380	41	19	investment	investment	NOUN
fbem-15380	41	20	projects	project	NOUN
fbem-15380	41	21	,	,	PUNCT
fbem-15380	41	22	and	and	CCONJ
fbem-15380	41	23	the	the	DET
fbem-15380	41	24	real	real	ADJ
fbem-15380	41	25	capital	capital	NOUN
fbem-15380	41	26	transaction	transaction	NOUN
fbem-15380	41	27	can	can	AUX
fbem-15380	41	28	only	only	ADV
fbem-15380	41	29	be	be	AUX
fbem-15380	41	30	reached	reach	VERB
fbem-15380	41	31	after	after	SCONJ
fbem-15380	41	32	it	it	PRON
fbem-15380	41	33	has	have	AUX
fbem-15380	41	34	been	be	AUX
fbem-15380	41	35	standing	stand	VERB
fbem-15380	41	36	on	on	ADP
fbem-15380	41	37	the	the	DET
fbem-15380	41	38	platform	platform	NOUN
fbem-15380	41	39	for	for	ADP
fbem-15380	41	40	a	a	DET
fbem-15380	41	41	period	period	NOUN
fbem-15380	41	42	of	of	ADP
fbem-15380	41	43	time	time	NOUN
fbem-15380	41	44	.	.	PUNCT
fbem-15380	42	1	in	in	ADP
fbem-15380	42	2	addition	addition	NOUN
fbem-15380	42	3	,	,	PUNCT
fbem-15380	42	4	countries	country	NOUN
fbem-15380	42	5	represented	represent	VERB
fbem-15380	42	6	by	by	ADP
fbem-15380	42	7	the	the	DET
fbem-15380	42	8	united	united	PROPN
fbem-15380	42	9	states	states	PROPN
fbem-15380	42	10	have	have	AUX
fbem-15380	42	11	taken	take	VERB
fbem-15380	42	12	a	a	DET
fbem-15380	42	13	series	series	NOUN
fbem-15380	42	14	of	of	ADP
fbem-15380	42	15	measures	measure	NOUN
fbem-15380	42	16	such	such	ADJ
fbem-15380	42	17	as	as	ADP
fbem-15380	42	18	online	online	ADJ
fbem-15380	42	19	restrictions	restriction	NOUN
fbem-15380	42	20	on	on	ADP
fbem-15380	42	21	the	the	DET
fbem-15380	42	22	loan	loan	NOUN
fbem-15380	42	23	interest	interest	NOUN
fbem-15380	42	24	rate	rate	NOUN
fbem-15380	42	25	and	and	CCONJ
fbem-15380	42	26	return	return	VERB
fbem-15380	42	27	rate	rate	NOUN
fbem-15380	42	28	on	on	ADP
fbem-15380	42	29	p2p	p2p	NOUN
fbem-15380	42	30	platforms	platform	NOUN
fbem-15380	42	31	to	to	PART
fbem-15380	42	32	ensure	ensure	VERB
fbem-15380	42	33	the	the	DET
fbem-15380	42	34	interests	interest	NOUN
fbem-15380	42	35	of	of	ADP
fbem-15380	42	36	the	the	DET
fbem-15380	42	37	platforms	platform	NOUN
fbem-15380	42	38	while	while	SCONJ
fbem-15380	42	39	taking	take	VERB
fbem-15380	42	40	into	into	ADP
fbem-15380	42	41	account	account	NOUN
fbem-15380	42	42	the	the	DET
fbem-15380	42	43	interests	interest	NOUN
fbem-15380	42	44	of	of	ADP
fbem-15380	42	45	both	both	DET
fbem-15380	42	46	donors	donor	NOUN
fbem-15380	42	47	and	and	CCONJ
fbem-15380	42	48	recipients	recipient	NOUN
fbem-15380	42	49	.	.	PUNCT
fbem-15380	43	1	[	[	X
fbem-15380	43	2	2	2	NUM
fbem-15380	43	3	]	]	PUNCT
fbem-15380	43	4	thirdly	thirdly	ADV
fbem-15380	43	5	,	,	PUNCT
fbem-15380	43	6	the	the	DET
fbem-15380	43	7	current	current	ADJ
fbem-15380	43	8	p2p	p2p	NOUN
fbem-15380	43	9	platform	platform	NOUN
fbem-15380	43	10	in	in	ADP
fbem-15380	43	11	indonesia	indonesia	PROPN
fbem-15380	43	12	is	be	AUX
fbem-15380	43	13	also	also	ADV
fbem-15380	43	14	a	a	DET
fbem-15380	43	15	sign	sign	NOUN
fbem-15380	43	16	of	of	ADP
fbem-15380	43	17	vigorous	vigorous	ADJ
fbem-15380	43	18	development	development	NOUN
fbem-15380	43	19	,	,	PUNCT
fbem-15380	43	20	and	and	CCONJ
fbem-15380	43	21	the	the	DET
fbem-15380	43	22	factors	factor	NOUN
fbem-15380	43	23	of	of	ADP
fbem-15380	43	24	rapid	rapid	ADJ
fbem-15380	43	25	development	development	NOUN
fbem-15380	43	26	can	can	AUX
fbem-15380	43	27	be	be	AUX
fbem-15380	43	28	attributed	attribute	VERB
fbem-15380	43	29	to	to	ADP
fbem-15380	43	30	the	the	DET
fbem-15380	43	31	relative	relative	ADJ
fbem-15380	43	32	perfection	perfection	NOUN
fbem-15380	43	33	of	of	ADP
fbem-15380	43	34	indonesia	indonesia	PROPN
fbem-15380	43	35	's	's	PART
fbem-15380	43	36	own	own	ADJ
fbem-15380	43	37	regulatory	regulatory	ADJ
fbem-15380	43	38	mechanism	mechanism	NOUN
fbem-15380	43	39	.	.	PUNCT
fbem-15380	44	1	(	(	PUNCT
fbem-15380	44	2	on	on	ADP
fbem-15380	44	3	the	the	DET
fbem-15380	44	4	one	one	NUM
fbem-15380	44	5	hand	hand	NOUN
fbem-15380	44	6	,	,	PUNCT
fbem-15380	44	7	authorized	authorize	VERB
fbem-15380	44	8	platforms	platform	NOUN
fbem-15380	44	9	are	be	AUX
fbem-15380	44	10	regularly	regularly	ADV
fbem-15380	44	11	evaluated	evaluate	VERB
fbem-15380	44	12	,	,	PUNCT
fbem-15380	44	13	and	and	CCONJ
fbem-15380	44	14	if	if	SCONJ
fbem-15380	44	15	they	they	PRON
fbem-15380	44	16	fail	fail	VERB
fbem-15380	44	17	to	to	PART
fbem-15380	44	18	pass	pass	VERB
fbem-15380	44	19	the	the	DET
fbem-15380	44	20	assessment	assessment	NOUN
fbem-15380	44	21	,	,	PUNCT
fbem-15380	44	22	the	the	DET
fbem-15380	44	23	right	right	NOUN
fbem-15380	44	24	to	to	PART
fbem-15380	44	25	operate	operate	VERB
fbem-15380	44	26	is	be	AUX
fbem-15380	44	27	withdrawn	withdraw	VERB
fbem-15380	44	28	.	.	PUNCT
fbem-15380	45	1	on	on	ADP
fbem-15380	45	2	the	the	DET
fbem-15380	45	3	other	other	ADJ
fbem-15380	45	4	hand	hand	NOUN
fbem-15380	45	5	,	,	PUNCT
fbem-15380	45	6	it	it	PRON
fbem-15380	45	7	evaluates	evaluate	VERB
fbem-15380	45	8	whether	whether	SCONJ
fbem-15380	45	9	the	the	DET
fbem-15380	45	10	borrower	borrower	NOUN
fbem-15380	45	11	can	can	AUX
fbem-15380	45	12	repay	repay	VERB
fbem-15380	45	13	within	within	ADP
fbem-15380	45	14	90	90	NUM
fbem-15380	45	15	days	day	NOUN
fbem-15380	45	16	.	.	PUNCT
fbem-15380	45	17	)	)	PUNCT
fbem-15380	46	1	and	and	CCONJ
fbem-15380	46	2	indonesia	indonesia	PROPN
fbem-15380	46	3	has	have	AUX
fbem-15380	46	4	set	set	VERB
fbem-15380	46	5	up	up	ADP
fbem-15380	46	6	a	a	DET
fbem-15380	46	7	central	central	ADJ
fbem-15380	46	8	financial	financial	ADJ
fbem-15380	46	9	evaluation	evaluation	NOUN
fbem-15380	46	10	system	system	NOUN
fbem-15380	46	11	called	call	VERB
fbem-15380	46	12	slik	slik	NOUN
fbem-15380	46	13	(	(	PUNCT
fbem-15380	46	14	financial	financial	ADJ
fbem-15380	46	15	information	information	NOUN
fbem-15380	46	16	services	service	NOUN
fbem-15380	46	17	system	system	NOUN
fbem-15380	46	18	)	)	PUNCT
fbem-15380	46	19	and	and	CCONJ
fbem-15380	46	20	pusdafil	pusdafil	NOUN
fbem-15380	46	21	(	(	PUNCT
fbem-15380	46	22	fintech	fintech	NOUN
fbem-15380	46	23	loan	loan	NOUN
fbem-15380	46	24	datacenter	datacenter	NOUN
fbem-15380	46	25	)	)	PUNCT
fbem-15380	46	26	.	.	PUNCT
fbem-15380	47	1	these	these	DET
fbem-15380	47	2	two	two	NUM
fbem-15380	47	3	systems	system	NOUN
fbem-15380	47	4	can	can	AUX
fbem-15380	47	5	be	be	AUX
fbem-15380	47	6	used	use	VERB
fbem-15380	47	7	to	to	PART
fbem-15380	47	8	assess	assess	VERB
fbem-15380	47	9	online	online	ADJ
fbem-15380	47	10	credit	credit	NOUN
fbem-15380	47	11	risk	risk	NOUN
fbem-15380	47	12	.	.	PUNCT
fbem-15380	48	1	3	3	X
fbem-15380	48	2	.	.	X
fbem-15380	48	3	a	a	DET
fbem-15380	48	4	case	case	NOUN
fbem-15380	48	5	study	study	NOUN
fbem-15380	48	6	of	of	ADP
fbem-15380	48	7	p2p	p2p	NOUN
fbem-15380	48	8	online	online	ADJ
fbem-15380	48	9	lending	lending	NOUN
fbem-15380	48	10	in	in	ADP
fbem-15380	48	11	the	the	DET
fbem-15380	48	12	author	author	NOUN
fbem-15380	48	13	's	's	PART
fbem-15380	48	14	opinion	opinion	NOUN
fbem-15380	48	15	,	,	PUNCT
fbem-15380	48	16	the	the	DET
fbem-15380	48	17	reasons	reason	NOUN
fbem-15380	48	18	why	why	SCONJ
fbem-15380	48	19	p2p	p2p	NOUN
fbem-15380	48	20	online	online	ADJ
fbem-15380	48	21	lending	lending	NOUN
fbem-15380	48	22	is	be	AUX
fbem-15380	48	23	difficult	difficult	ADJ
fbem-15380	48	24	to	to	PART
fbem-15380	48	25	effectively	effectively	ADV
fbem-15380	48	26	serve	serve	VERB
fbem-15380	48	27	small	small	ADJ
fbem-15380	48	28	and	and	CCONJ
fbem-15380	48	29	medium	medium	ADJ
fbem-15380	48	30	-	-	PUNCT
fbem-15380	48	31	sized	sized	ADJ
fbem-15380	48	32	enterprises	enterprise	NOUN
fbem-15380	48	33	in	in	ADP
fbem-15380	48	34	china	china	PROPN
fbem-15380	48	35	will	will	AUX
fbem-15380	48	36	be	be	AUX
fbem-15380	48	37	discussed	discuss	VERB
fbem-15380	48	38	from	from	ADP
fbem-15380	48	39	three	three	NUM
fbem-15380	48	40	dimensions	dimension	NOUN
fbem-15380	48	41	:	:	PUNCT
fbem-15380	48	42	the	the	DET
fbem-15380	48	43	shortcomings	shortcoming	NOUN
fbem-15380	48	44	of	of	ADP
fbem-15380	48	45	chinese	chinese	ADJ
fbem-15380	48	46	national	national	ADJ
fbem-15380	48	47	character	character	NOUN
fbem-15380	48	48	,	,	PUNCT
fbem-15380	48	49	the	the	DET
fbem-15380	48	50	effective	effective	ADJ
fbem-15380	48	51	design	design	NOUN
fbem-15380	48	52	of	of	ADP
fbem-15380	48	53	regulatory	regulatory	ADJ
fbem-15380	48	54	mechanism	mechanism	NOUN
fbem-15380	48	55	and	and	CCONJ
fbem-15380	48	56	the	the	DET
fbem-15380	48	57	comparison	comparison	NOUN
fbem-15380	48	58	between	between	ADP
fbem-15380	48	59	home	home	NOUN
fbem-15380	48	60	and	and	CCONJ
fbem-15380	48	61	abroad	abroad	ADV
fbem-15380	48	62	.	.	PUNCT
fbem-15380	49	1	first	first	ADV
fbem-15380	49	2	of	of	ADP
fbem-15380	49	3	all	all	PRON
fbem-15380	49	4	,	,	PUNCT
fbem-15380	49	5	there	there	PRON
fbem-15380	49	6	is	be	VERB
fbem-15380	49	7	a	a	DET
fbem-15380	49	8	shortcoming	shortcoming	NOUN
fbem-15380	49	9	in	in	ADP
fbem-15380	49	10	the	the	DET
fbem-15380	49	11	dimension	dimension	NOUN
fbem-15380	49	12	of	of	ADP
fbem-15380	49	13	chinese	chinese	ADJ
fbem-15380	49	14	national	national	ADJ
fbem-15380	49	15	character	character	NOUN
fbem-15380	49	16	that	that	PRON
fbem-15380	49	17	hinders	hinder	VERB
fbem-15380	49	18	the	the	DET
fbem-15380	49	19	development	development	NOUN
fbem-15380	49	20	of	of	ADP
fbem-15380	49	21	this	this	DET
fbem-15380	49	22	model	model	NOUN
fbem-15380	49	23	either	either	CCONJ
fbem-15380	49	24	explicitly	explicitly	ADV
fbem-15380	49	25	or	or	CCONJ
fbem-15380	49	26	implicitly	implicitly	ADV
fbem-15380	49	27	.	.	PUNCT
fbem-15380	50	1	its	its	PRON
fbem-15380	50	2	disadvantage	disadvantage	NOUN
fbem-15380	50	3	is	be	AUX
fbem-15380	50	4	that	that	SCONJ
fbem-15380	50	5	the	the	DET
fbem-15380	50	6	users	user	NOUN
fbem-15380	50	7	who	who	PRON
fbem-15380	50	8	participate	participate	VERB
fbem-15380	50	9	in	in	ADP
fbem-15380	50	10	p2p	p2p	NOUN
fbem-15380	50	11	online	online	ADJ
fbem-15380	50	12	lending	lending	NOUN
fbem-15380	50	13	for	for	ADP
fbem-15380	50	14	the	the	DET
fbem-15380	50	15	purpose	purpose	NOUN
fbem-15380	50	16	of	of	ADP
fbem-15380	50	17	speculation	speculation	NOUN
fbem-15380	50	18	and	and	CCONJ
fbem-15380	50	19	short	short	ADJ
fbem-15380	50	20	-	-	PUNCT
fbem-15380	50	21	term	term	NOUN
fbem-15380	50	22	realization	realization	NOUN
fbem-15380	50	23	do	do	AUX
fbem-15380	50	24	not	not	PART
fbem-15380	50	25	want	want	VERB
fbem-15380	50	26	to	to	PART
fbem-15380	50	27	consider	consider	VERB
fbem-15380	50	28	long	long	ADJ
fbem-15380	50	29	-	-	PUNCT
fbem-15380	50	30	termstable	termstable	ADJ
fbem-15380	50	31	development	development	NOUN
fbem-15380	50	32	,	,	PUNCT
fbem-15380	50	33	that	that	ADV
fbem-15380	50	34	is	is	ADV
fbem-15380	50	35	,	,	PUNCT
fbem-15380	50	36	to	to	PART
fbem-15380	50	37	earn	earn	VERB
fbem-15380	50	38	excess	excess	ADJ
fbem-15380	50	39	returns	return	NOUN
fbem-15380	50	40	with	with	ADP
fbem-15380	50	41	a	a	DET
fbem-15380	50	42	low	low	ADJ
fbem-15380	50	43	level	level	NOUN
fbem-15380	50	44	of	of	ADP
fbem-15380	50	45	funds	fund	NOUN
fbem-15380	50	46	.	.	PUNCT
fbem-15380	51	1	as	as	ADP
fbem-15380	51	2	a	a	DET
fbem-15380	51	3	result	result	NOUN
fbem-15380	51	4	,	,	PUNCT
fbem-15380	51	5	most	most	ADJ
fbem-15380	51	6	of	of	ADP
fbem-15380	51	7	the	the	DET
fbem-15380	51	8	founders	founder	NOUN
fbem-15380	51	9	of	of	ADP
fbem-15380	51	10	the	the	DET
fbem-15380	51	11	platform	platform	NOUN
fbem-15380	51	12	and	and	CCONJ
fbem-15380	51	13	the	the	DET
fbem-15380	51	14	creditors	creditor	NOUN
fbem-15380	51	15	and	and	CCONJ
fbem-15380	51	16	debtors	debtor	NOUN
fbem-15380	51	17	registered	register	VERB
fbem-15380	51	18	as	as	ADP
fbem-15380	51	19	platform	platform	NOUN
fbem-15380	51	20	users	user	NOUN
fbem-15380	51	21	expect	expect	VERB
fbem-15380	51	22	to	to	PART
fbem-15380	51	23	achieve	achieve	VERB
fbem-15380	51	24	rapid	rapid	ADJ
fbem-15380	51	25	financing	financing	NOUN
fbem-15380	51	26	in	in	ADP
fbem-15380	51	27	a	a	DET
fbem-15380	51	28	short	short	ADJ
fbem-15380	51	29	period	period	NOUN
fbem-15380	51	30	of	of	ADP
fbem-15380	51	31	time	time	NOUN
fbem-15380	51	32	to	to	PART
fbem-15380	51	33	alleviate	alleviate	VERB
fbem-15380	51	34	the	the	DET
fbem-15380	51	35	difficulties	difficulty	NOUN
fbem-15380	51	36	in	in	ADP
fbem-15380	51	37	using	use	VERB
fbem-15380	51	38	funds	fund	NOUN
fbem-15380	51	39	.	.	PUNCT
fbem-15380	52	1	secondly	secondly	ADV
fbem-15380	52	2	,	,	PUNCT
fbem-15380	52	3	if	if	SCONJ
fbem-15380	52	4	we	we	PRON
fbem-15380	52	5	compare	compare	VERB
fbem-15380	52	6	renrendai	renrendai	NOUN
fbem-15380	52	7	with	with	ADP
fbem-15380	52	8	jingyi	jingyi	NOUN
fbem-15380	52	9	wealth	wealth	NOUN
fbem-15380	52	10	,	,	PUNCT
fbem-15380	52	11	the	the	DET
fbem-15380	52	12	loss	loss	NOUN
fbem-15380	52	13	of	of	ADP
fbem-15380	52	14	regulatory	regulatory	ADJ
fbem-15380	52	15	mechanism	mechanism	NOUN
fbem-15380	52	16	is	be	AUX
fbem-15380	52	17	a	a	DET
fbem-15380	52	18	factor	factor	NOUN
fbem-15380	52	19	that	that	PRON
fbem-15380	52	20	can	can	AUX
fbem-15380	52	21	not	not	PART
fbem-15380	52	22	be	be	AUX
fbem-15380	52	23	ignored	ignore	VERB
fbem-15380	52	24	.	.	PUNCT
fbem-15380	53	1	the	the	DET
fbem-15380	53	2	supervision	supervision	NOUN
fbem-15380	53	3	mechanism	mechanism	NOUN
fbem-15380	53	4	of	of	ADP
fbem-15380	53	5	renrendai	renrendai	NOUN
fbem-15380	53	6	is	be	AUX
fbem-15380	53	7	divided	divide	VERB
fbem-15380	53	8	into	into	ADP
fbem-15380	53	9	two	two	NUM
fbem-15380	53	10	steps	step	NOUN
fbem-15380	53	11	,	,	PUNCT
fbem-15380	53	12	first	first	ADJ
fbem-15380	53	13	credit	credit	NOUN
fbem-15380	53	14	review	review	NOUN
fbem-15380	53	15	and	and	CCONJ
fbem-15380	53	16	then	then	ADV
fbem-15380	53	17	risk	risk	VERB
fbem-15380	53	18	review	review	NOUN
fbem-15380	53	19	.	.	PUNCT
fbem-15380	54	1	the	the	DET
fbem-15380	54	2	effective	effective	ADJ
fbem-15380	54	3	implementation	implementation	NOUN
fbem-15380	54	4	of	of	ADP
fbem-15380	54	5	these	these	DET
fbem-15380	54	6	two	two	NUM
fbem-15380	54	7	steps	step	NOUN
fbem-15380	54	8	can	can	AUX
fbem-15380	54	9	filter	filter	VERB
fbem-15380	54	10	out	out	ADP
fbem-15380	54	11	a	a	DET
fbem-15380	54	12	part	part	NOUN
fbem-15380	54	13	of	of	ADP
fbem-15380	54	14	potential	potential	ADJ
fbem-15380	54	15	defaulters	defaulter	NOUN
fbem-15380	54	16	for	for	ADP
fbem-15380	54	17	the	the	DET
fbem-15380	54	18	platform	platform	NOUN
fbem-15380	54	19	,	,	PUNCT
fbem-15380	54	20	thus	thus	ADV
fbem-15380	54	21	reducing	reduce	VERB
fbem-15380	54	22	the	the	DET
fbem-15380	54	23	probability	probability	NOUN
fbem-15380	54	24	of	of	ADP
fbem-15380	54	25	debtors	debtor	NOUN
fbem-15380	54	26	'	'	PART
fbem-15380	54	27	default	default	NOUN
fbem-15380	54	28	or	or	CCONJ
fbem-15380	54	29	faithless	faithless	ADJ
fbem-15380	54	30	behavior	behavior	NOUN
fbem-15380	54	31	.	.	PUNCT
fbem-15380	55	1	on	on	ADP
fbem-15380	55	2	the	the	DET
fbem-15380	55	3	other	other	ADJ
fbem-15380	55	4	hand	hand	NOUN
fbem-15380	55	5	,	,	PUNCT
fbem-15380	55	6	jingyi	jingyi	NOUN
fbem-15380	55	7	wealth	wealth	NOUN
fbem-15380	55	8	has	have	AUX
fbem-15380	55	9	not	not	PART
fbem-15380	55	10	made	make	VERB
fbem-15380	55	11	strict	strict	ADJ
fbem-15380	55	12	screening	screening	NOUN
fbem-15380	55	13	and	and	CCONJ
fbem-15380	55	14	selection	selection	NOUN
fbem-15380	55	15	of	of	ADP
fbem-15380	55	16	those	those	PRON
fbem-15380	55	17	who	who	PRON
fbem-15380	55	18	are	be	AUX
fbem-15380	55	19	eager	eager	ADJ
fbem-15380	55	20	to	to	PART
fbem-15380	55	21	use	use	VERB
fbem-15380	55	22	funds	fund	NOUN
fbem-15380	55	23	immediately	immediately	ADV
fbem-15380	55	24	after	after	ADP
fbem-15380	55	25	the	the	DET
fbem-15380	55	26	introduction	introduction	NOUN
fbem-15380	55	27	of	of	ADP
fbem-15380	55	28	the	the	DET
fbem-15380	55	29	project	project	NOUN
fbem-15380	55	30	,	,	PUNCT
fbem-15380	55	31	so	so	CCONJ
fbem-15380	55	32	the	the	DET
fbem-15380	55	33	loss	loss	NOUN
fbem-15380	55	34	of	of	ADP
fbem-15380	55	35	supervision	supervision	NOUN
fbem-15380	55	36	mechanism	mechanism	NOUN
fbem-15380	55	37	has	have	AUX
fbem-15380	55	38	laid	lay	VERB
fbem-15380	55	39	the	the	DET
fbem-15380	55	40	groundwork	groundwork	NOUN
fbem-15380	55	41	for	for	ADP
fbem-15380	55	42	its	its	PRON
fbem-15380	55	43	subsequent	subsequent	ADJ
fbem-15380	55	44	"	"	PUNCT
fbem-15380	55	45	explosion	explosion	NOUN
fbem-15380	55	46	"	"	PUNCT
fbem-15380	55	47	.	.	PUNCT
fbem-15380	56	1	at	at	ADP
fbem-15380	56	2	the	the	DET
fbem-15380	56	3	current	current	ADJ
fbem-15380	56	4	level	level	NOUN
fbem-15380	56	5	of	of	ADP
fbem-15380	56	6	domestic	domestic	ADJ
fbem-15380	56	7	academic	academic	ADJ
fbem-15380	56	8	research	research	NOUN
fbem-15380	56	9	,	,	PUNCT
fbem-15380	56	10	in	in	ADP
fbem-15380	56	11	her	her	PRON
fbem-15380	56	12	paper	paper	NOUN
fbem-15380	56	13	"	"	PUNCT
fbem-15380	56	14	research	research	NOUN
fbem-15380	56	15	on	on	ADP
fbem-15380	56	16	credit	credit	NOUN
fbem-15380	56	17	risk	risk	NOUN
fbem-15380	56	18	anprevention	anprevention	NOUN
fbem-15380	56	19	of	of	ADP
fbem-15380	56	20	p2p	p2p	NOUN
fbem-15380	56	21	online	online	ADJ
fbem-15380	56	22	lending	lending	NOUN
fbem-15380	56	23	"	"	PUNCT
fbem-15380	56	24	,	,	PUNCT
fbem-15380	56	25	dr	dr	PROPN
fbem-15380	56	26	.	.	PROPN
fbem-15380	56	27	quan	quan	PROPN
fbem-15380	56	28	ying	ying	PROPN
fbem-15380	56	29	elaborated	elaborate	VERB
fbem-15380	56	30	that	that	SCONJ
fbem-15380	56	31	the	the	DET
fbem-15380	56	32	digital	digital	ADJ
fbem-15380	56	33	assessment	assessment	NOUN
fbem-15380	56	34	model	model	NOUN
fbem-15380	56	35	of	of	ADP
fbem-15380	56	36	credit	credit	NOUN
fbem-15380	56	37	risk+	risk+	NOUN
fbem-15380	56	38	has	have	VERB
fbem-15380	56	39	high	high	ADJ
fbem-15380	56	40	credibility	credibility	NOUN
fbem-15380	56	41	for	for	ADP
fbem-15380	56	42	users	user	NOUN
fbem-15380	56	43	'	'	PART
fbem-15380	56	44	credit	credit	NOUN
fbem-15380	56	45	assessment	assessment	NOUN
fbem-15380	56	46	.	.	PUNCT
fbem-15380	57	1	in	in	ADP
fbem-15380	57	2	particular	particular	ADJ
fbem-15380	57	3	,	,	PUNCT
fbem-15380	57	4	this	this	DET
fbem-15380	57	5	model	model	NOUN
fbem-15380	57	6	can	can	AUX
fbem-15380	57	7	effectively	effectively	ADV
fbem-15380	57	8	predict	predict	VERB
fbem-15380	57	9	the	the	DET
fbem-15380	57	10	default	default	NOUN
fbem-15380	57	11	risk	risk	NOUN
fbem-15380	57	12	of	of	ADP
fbem-15380	57	13	debtors	debtor	NOUN
fbem-15380	57	14	[	[	X
fbem-15380	57	15	3	3	NUM
fbem-15380	57	16	]	]	PUNCT
fbem-15380	57	17	.	.	PUNCT
fbem-15380	58	1	if	if	SCONJ
fbem-15380	58	2	this	this	DET
fbem-15380	58	3	analytical	analytical	ADJ
fbem-15380	58	4	model	model	NOUN
fbem-15380	58	5	can	can	AUX
fbem-15380	58	6	be	be	AUX
fbem-15380	58	7	effectively	effectively	ADV
fbem-15380	58	8	combined	combine	VERB
fbem-15380	58	9	with	with	ADP
fbem-15380	58	10	p2p	p2p	NOUN
fbem-15380	58	11	online	online	ADJ
fbem-15380	58	12	lending	lending	NOUN
fbem-15380	58	13	platforms	platform	NOUN
fbem-15380	58	14	,	,	PUNCT
fbem-15380	58	15	it	it	PRON
fbem-15380	58	16	can	can	AUX
fbem-15380	58	17	,	,	PUNCT
fbem-15380	58	18	to	to	ADP
fbem-15380	58	19	a	a	DET
fbem-15380	58	20	certain	certain	ADJ
fbem-15380	58	21	extent	extent	NOUN
fbem-15380	58	22	,	,	PUNCT
fbem-15380	58	23	help	help	VERB
fbem-15380	58	24	the	the	DET
fbem-15380	58	25	platform	platform	NOUN
fbem-15380	58	26	evaluate	evaluate	VERB
fbem-15380	58	27	the	the	DET
fbem-15380	58	28	credit	credit	NOUN
fbem-15380	58	29	of	of	ADP
fbem-15380	58	30	users	user	NOUN
fbem-15380	58	31	and	and	CCONJ
fbem-15380	58	32	improve	improve	VERB
fbem-15380	58	33	the	the	DET
fbem-15380	58	34	supervision	supervision	NOUN
fbem-15380	58	35	mechanism	mechanism	NOUN
fbem-15380	58	36	for	for	ADP
fbem-15380	58	37	debtors	debtor	NOUN
fbem-15380	58	38	.	.	PUNCT
fbem-15380	59	1	thirdly	thirdly	ADV
fbem-15380	59	2	,	,	PUNCT
fbem-15380	59	3	when	when	SCONJ
fbem-15380	59	4	we	we	PRON
fbem-15380	59	5	further	far	ADV
fbem-15380	59	6	enlarge	enlarge	VERB
fbem-15380	59	7	the	the	DET
fbem-15380	59	8	perspective	perspective	NOUN
fbem-15380	59	9	,	,	PUNCT
fbem-15380	59	10	if	if	SCONJ
fbem-15380	59	11	we	we	PRON
fbem-15380	59	12	compare	compare	VERB
fbem-15380	59	13	the	the	DET
fbem-15380	59	14	domestic	domestic	ADJ
fbem-15380	59	15	p2p	p2p	NOUN
fbem-15380	59	16	online	online	ADJ
fbem-15380	59	17	lending	lending	NOUN
fbem-15380	59	18	platform	platform	NOUN
fbem-15380	59	19	with	with	ADP
fbem-15380	59	20	the	the	DET
fbem-15380	59	21	foreign	foreign	ADJ
fbem-15380	59	22	platform	platform	NOUN
fbem-15380	59	23	,	,	PUNCT
fbem-15380	59	24	we	we	PRON
fbem-15380	59	25	can	can	AUX
fbem-15380	59	26	positively	positively	ADV
fbem-15380	59	27	confirm	confirm	VERB
fbem-15380	59	28	that	that	SCONJ
fbem-15380	59	29	this	this	DET
fbem-15380	59	30	behavior	behavior	NOUN
fbem-15380	59	31	can	can	AUX
fbem-15380	59	32	be	be	AUX
fbem-15380	59	33	combined	combine	VERB
fbem-15380	59	34	with	with	ADP
fbem-15380	59	35	the	the	DET
fbem-15380	59	36	specific	specific	ADJ
fbem-15380	59	37	situation	situation	NOUN
fbem-15380	59	38	in	in	ADP
fbem-15380	59	39	china	china	PROPN
fbem-15380	59	40	.	.	PUNCT
fbem-15380	60	1	positive	positive	ADJ
fbem-15380	60	2	confirmation	confirmation	NOUN
fbem-15380	60	3	means	mean	VERB
fbem-15380	60	4	that	that	SCONJ
fbem-15380	60	5	when	when	SCONJ
fbem-15380	60	6	one	one	NUM
fbem-15380	60	7	party	party	NOUN
fbem-15380	60	8	holding	hold	VERB
fbem-15380	60	9	funds	fund	NOUN
fbem-15380	60	10	decides	decide	VERB
fbem-15380	60	11	to	to	PART
fbem-15380	60	12	invest	invest	VERB
fbem-15380	60	13	in	in	ADP
fbem-15380	60	14	the	the	DET
fbem-15380	60	15	other	other	ADJ
fbem-15380	60	16	party	party	NOUN
fbem-15380	60	17	through	through	ADP
fbem-15380	60	18	the	the	DET
fbem-15380	60	19	online	online	ADJ
fbem-15380	60	20	lending	lending	NOUN
fbem-15380	60	21	platform	platform	NOUN
fbem-15380	60	22	,	,	PUNCT
fbem-15380	60	23	the	the	DET
fbem-15380	60	24	platform	platform	NOUN
fbem-15380	60	25	will	will	AUX
fbem-15380	60	26	send	send	VERB
fbem-15380	60	27	an	an	DET
fbem-15380	60	28	email	email	NOUN
fbem-15380	60	29	to	to	ADP
fbem-15380	60	30	the	the	DET
fbem-15380	60	31	investor	investor	NOUN
fbem-15380	60	32	to	to	PART
fbem-15380	60	33	confirm	confirm	VERB
fbem-15380	60	34	this	this	DET
fbem-15380	60	35	behavior	behavior	NOUN
fbem-15380	60	36	.	.	PUNCT
fbem-15380	61	1	if	if	SCONJ
fbem-15380	61	2	the	the	DET
fbem-15380	61	3	investor	investor	NOUN
fbem-15380	61	4	confirms	confirm	VERB
fbem-15380	61	5	this	this	DET
fbem-15380	61	6	behavior	behavior	NOUN
fbem-15380	61	7	,	,	PUNCT
fbem-15380	61	8	he	he	PRON
fbem-15380	61	9	needs	need	VERB
fbem-15380	61	10	to	to	PART
fbem-15380	61	11	reply	reply	VERB
fbem-15380	61	12	to	to	ADP
fbem-15380	61	13	the	the	DET
fbem-15380	61	14	platform	platform	NOUN
fbem-15380	61	15	and	and	CCONJ
fbem-15380	61	16	will	will	AUX
fbem-15380	61	17	flow	flow	VERB
fbem-15380	61	18	to	to	ADP
fbem-15380	61	19	the	the	DET
fbem-15380	61	20	investee	investee	NOUN
fbem-15380	61	21	at	at	ADP
fbem-15380	61	22	a	a	DET
fbem-15380	61	23	certain	certain	ADJ
fbem-15380	61	24	interval	interval	NOUN
fbem-15380	61	25	.	.	PUNCT
fbem-15380	62	1	in	in	ADP
fbem-15380	62	2	this	this	DET
fbem-15380	62	3	way	way	NOUN
fbem-15380	62	4	,	,	PUNCT
fbem-15380	62	5	not	not	PART
fbem-15380	62	6	only	only	ADV
fbem-15380	62	7	can	can	AUX
fbem-15380	62	8	the	the	DET
fbem-15380	62	9	investor	investor	NOUN
fbem-15380	62	10	re	re	VERB
fbem-15380	62	11	-	-	VERB
fbem-15380	62	12	evaluate	evaluate	VERB
fbem-15380	62	13	whether	whether	SCONJ
fbem-15380	62	14	the	the	DET
fbem-15380	62	15	investment	investment	NOUN
fbem-15380	62	16	behavior	behavior	NOUN
fbem-15380	62	17	is	be	AUX
fbem-15380	62	18	reasonable	reasonable	ADJ
fbem-15380	62	19	and	and	CCONJ
fbem-15380	62	20	can	can	AUX
fbem-15380	62	21	bear	bear	VERB
fbem-15380	62	22	the	the	DET
fbem-15380	62	23	corresponding	corresponding	ADJ
fbem-15380	62	24	risk	risk	NOUN
fbem-15380	62	25	to	to	ADP
fbem-15380	62	26	a	a	DET
fbem-15380	62	27	certain	certain	ADJ
fbem-15380	62	28	extent	extent	NOUN
fbem-15380	62	29	,	,	PUNCT
fbem-15380	62	30	but	but	CCONJ
fbem-15380	62	31	also	also	ADV
fbem-15380	62	32	allow	allow	VERB
fbem-15380	62	33	the	the	DET
fbem-15380	62	34	investor	investor	NOUN
fbem-15380	62	35	to	to	PART
fbem-15380	62	36	withdraw	withdraw	VERB
fbem-15380	62	37	the	the	DET
fbem-15380	62	38	investment	investment	NOUN
fbem-15380	62	39	during	during	ADP
fbem-15380	62	40	the	the	DET
fbem-15380	62	41	interval	interval	NOUN
fbem-15380	62	42	.	.	PUNCT
fbem-15380	63	1	4	4	X
fbem-15380	63	2	.	.	X
fbem-15380	63	3	my	my	PRON
fbem-15380	63	4	humble	humble	ADJ
fbem-15380	63	5	opinion	opinion	NOUN
fbem-15380	63	6	on	on	ADP
fbem-15380	63	7	the	the	DET
fbem-15380	63	8	development	development	NOUN
fbem-15380	63	9	of	of	ADP
fbem-15380	63	10	internet	internet	NOUN
fbem-15380	63	11	finance	finance	NOUN
fbem-15380	63	12	after	after	ADP
fbem-15380	63	13	reviewing	review	VERB
fbem-15380	63	14	and	and	CCONJ
fbem-15380	63	15	analyzing	analyze	VERB
fbem-15380	63	16	the	the	DET
fbem-15380	63	17	situation	situation	NOUN
fbem-15380	63	18	of	of	ADP
fbem-15380	63	19	p2p	p2p	NOUN
fbem-15380	63	20	online	online	ADJ
fbem-15380	63	21	lending	lending	NOUN
fbem-15380	63	22	platforms	platform	NOUN
fbem-15380	63	23	at	at	ADP
fbem-15380	63	24	home	home	NOUN
fbem-15380	63	25	and	and	CCONJ
fbem-15380	63	26	abroad	abroad	ADV
fbem-15380	63	27	,	,	PUNCT
fbem-15380	63	28	the	the	DET
fbem-15380	63	29	author	author	NOUN
fbem-15380	63	30	tries	try	VERB
fbem-15380	63	31	to	to	PART
fbem-15380	63	32	put	put	VERB
fbem-15380	63	33	forward	forward	ADP
fbem-15380	63	34	measures	measure	NOUN
fbem-15380	63	35	that	that	PRON
fbem-15380	63	36	can	can	AUX
fbem-15380	63	37	be	be	AUX
fbem-15380	63	38	further	far	ADV
fbem-15380	63	39	implemented	implement	VERB
fbem-15380	63	40	based	base	VERB
fbem-15380	63	41	on	on	ADP
fbem-15380	63	42	the	the	DET
fbem-15380	63	43	specific	specific	ADJ
fbem-15380	63	44	national	national	ADJ
fbem-15380	63	45	conditions	condition	NOUN
fbem-15380	63	46	of	of	ADP
fbem-15380	63	47	china	china	PROPN
fbem-15380	63	48	from	from	ADP
fbem-15380	63	49	the	the	DET
fbem-15380	63	50	relatively	relatively	ADV
fbem-15380	63	51	successful	successful	ADJ
fbem-15380	63	52	platforms	platform	NOUN
fbem-15380	63	53	in	in	ADP
fbem-15380	63	54	domestic	domestic	ADJ
fbem-15380	63	55	development	development	NOUN
fbem-15380	63	56	and	and	CCONJ
fbem-15380	63	57	the	the	DET
fbem-15380	63	58	effective	effective	ADJ
fbem-15380	63	59	measures	measure	NOUN
fbem-15380	63	60	that	that	PRON
fbem-15380	63	61	have	have	AUX
fbem-15380	63	62	been	be	AUX
fbem-15380	63	63	implemented	implement	VERB
fbem-15380	63	64	abroad	abroad	ADV
fbem-15380	63	65	.	.	PUNCT
fbem-15380	64	1	the	the	DET
fbem-15380	64	2	proposal	proposal	NOUN
fbem-15380	64	3	mainly	mainly	ADV
fbem-15380	64	4	focuses	focus	VERB
fbem-15380	64	5	on	on	ADP
fbem-15380	64	6	the	the	DET
fbem-15380	64	7	regulatory	regulatory	ADJ
fbem-15380	64	8	mechanism	mechanism	NOUN
fbem-15380	64	9	,	,	PUNCT
fbem-15380	64	10	credit	credit	NOUN
fbem-15380	64	11	evaluation	evaluation	NOUN
fbem-15380	64	12	and	and	CCONJ
fbem-15380	64	13	risk	risk	NOUN
fbem-15380	64	14	prevention	prevention	NOUN
fbem-15380	64	15	and	and	CCONJ
fbem-15380	64	16	control	control	NOUN
fbem-15380	64	17	of	of	ADP
fbem-15380	64	18	china	china	PROPN
fbem-15380	64	19	's	's	PART
fbem-15380	64	20	internet	internet	NOUN
fbem-15380	64	21	+	+	CCONJ
fbem-15380	64	22	financial	financial	ADJ
fbem-15380	64	23	platforms	platform	NOUN
fbem-15380	64	24	in	in	ADP
fbem-15380	64	25	the	the	DET
fbem-15380	64	26	future	future	NOUN
fbem-15380	64	27	:	:	PUNCT
fbem-15380	64	28	4.1	4.1	NUM
fbem-15380	64	29	.	.	PUNCT
fbem-15380	65	1	in	in	ADP
fbem-15380	65	2	terms	term	NOUN
fbem-15380	65	3	of	of	ADP
fbem-15380	65	4	the	the	DET
fbem-15380	65	5	supervision	supervision	NOUN
fbem-15380	65	6	mechanism	mechanism	NOUN
fbem-15380	65	7	of	of	ADP
fbem-15380	65	8	internet	internet	NOUN
fbem-15380	65	9	financial	financial	ADJ
fbem-15380	65	10	platforms	platform	NOUN
fbem-15380	65	11	(	(	PUNCT
fbem-15380	65	12	1	1	X
fbem-15380	65	13	)	)	PUNCT
fbem-15380	65	14	allow	allow	VERB
fbem-15380	65	15	the	the	DET
fbem-15380	65	16	platforms	platform	NOUN
fbem-15380	65	17	to	to	PART
fbem-15380	65	18	reach	reach	VERB
fbem-15380	65	19	commercial	commercial	ADJ
fbem-15380	65	20	cooperation	cooperation	NOUN
fbem-15380	65	21	with	with	ADP
fbem-15380	65	22	banks	bank	NOUN
fbem-15380	65	23	.	.	PUNCT
fbem-15380	66	1	the	the	DET
fbem-15380	66	2	platform	platform	NOUN
fbem-15380	66	3	shall	shall	AUX
fbem-15380	66	4	pay	pay	VERB
fbem-15380	66	5	a	a	DET
fbem-15380	66	6	certain	certain	ADJ
fbem-15380	66	7	cooperation	cooperation	NOUN
fbem-15380	66	8	fee	fee	NOUN
fbem-15380	66	9	to	to	ADP
fbem-15380	66	10	the	the	DET
fbem-15380	66	11	bank	bank	NOUN
fbem-15380	66	12	,	,	PUNCT
fbem-15380	66	13	and	and	CCONJ
fbem-15380	66	14	the	the	DET
fbem-15380	66	15	bank	bank	NOUN
fbem-15380	66	16	shall	shall	AUX
fbem-15380	66	17	provide	provide	VERB
fbem-15380	66	18	the	the	DET
fbem-15380	66	19	platform	platform	NOUN
fbem-15380	66	20	with	with	ADP
fbem-15380	66	21	credit	credit	NOUN
fbem-15380	66	22	consulting	consulting	NOUN
fbem-15380	66	23	services	service	NOUN
fbem-15380	66	24	.	.	PUNCT
fbem-15380	67	1	the	the	DET
fbem-15380	67	2	cooperation	cooperation	NOUN
fbem-15380	67	3	enables	enable	VERB
fbem-15380	67	4	the	the	DET
fbem-15380	67	5	platform	platform	NOUN
fbem-15380	67	6	to	to	PART
fbem-15380	67	7	check	check	VERB
fbem-15380	67	8	the	the	DET
fbem-15380	67	9	credit	credit	NOUN
fbem-15380	67	10	status	status	NOUN
fbem-15380	67	11	of	of	ADP
fbem-15380	67	12	registered	register	VERB
fbem-15380	67	13	users	user	NOUN
fbem-15380	67	14	,	,	PUNCT
fbem-15380	67	15	and	and	CCONJ
fbem-15380	67	16	synchronizes	synchronize	VERB
fbem-15380	67	17	the	the	DET
fbem-15380	67	18	default	default	NOUN
fbem-15380	67	19	record	record	NOUN
fbem-15380	67	20	to	to	ADP
fbem-15380	67	21	the	the	DET
fbem-15380	67	22	bank	bank	NOUN
fbem-15380	67	23	once	once	SCONJ
fbem-15380	67	24	the	the	DET
fbem-15380	67	25	user	user	NOUN
fbem-15380	67	26	defaults	default	VERB
fbem-15380	67	27	.	.	PUNCT
fbem-15380	68	1	(	(	PUNCT
fbem-15380	68	2	it	it	PRON
fbem-15380	68	3	can	can	AUX
fbem-15380	68	4	be	be	AUX
fbem-15380	68	5	used	use	VERB
fbem-15380	68	6	as	as	ADP
fbem-15380	68	7	a	a	DET
fbem-15380	68	8	reference	reference	NOUN
fbem-15380	68	9	with	with	ADP
fbem-15380	68	10	renrendai	renrendai	NOUN
fbem-15380	68	11	)	)	PUNCT
fbem-15380	68	12	(	(	PUNCT
fbem-15380	68	13	2	2	X
fbem-15380	68	14	)	)	PUNCT
fbem-15380	68	15	when	when	SCONJ
fbem-15380	68	16	the	the	DET
fbem-15380	68	17	debt	debt	NOUN
fbem-15380	68	18	relationship	relationship	NOUN
fbem-15380	68	19	is	be	AUX
fbem-15380	68	20	formed	form	VERB
fbem-15380	68	21	,	,	PUNCT
fbem-15380	68	22	it	it	PRON
fbem-15380	68	23	is	be	AUX
fbem-15380	68	24	suggested	suggest	VERB
fbem-15380	68	25	to	to	PART
fbem-15380	68	26	sign	sign	VERB
fbem-15380	68	27	smart	smart	ADJ
fbem-15380	68	28	contracts	contract	NOUN
fbem-15380	68	29	(	(	PUNCT
fbem-15380	68	30	the	the	DET
fbem-15380	68	31	technical	technical	ADJ
fbem-15380	68	32	feasibility	feasibility	NOUN
fbem-15380	68	33	and	and	CCONJ
fbem-15380	68	34	application	application	NOUN
fbem-15380	68	35	scenarios	scenario	NOUN
fbem-15380	68	36	have	have	AUX
fbem-15380	68	37	been	be	AUX
fbem-15380	68	38	discussed	discuss	VERB
fbem-15380	68	39	in	in	ADP
fbem-15380	68	40	the	the	DET
fbem-15380	68	41	papers	paper	NOUN
fbem-15380	68	42	of	of	ADP
fbem-15380	68	43	wang	wang	PROPN
fbem-15380	68	44	wenhui	wenhui	PROPN
fbem-15380	68	45	and	and	CCONJ
fbem-15380	68	46	chen	chen	PROPN
fbem-15380	68	47	xianzhong	xianzhong	PROPN
fbem-15380	68	48	)	)	PUNCT
fbem-15380	68	49	.	.	PUNCT
fbem-15380	69	1	[	[	X
fbem-15380	69	2	4	4	X
fbem-15380	69	3	]	]	X
fbem-15380	69	4	the	the	DET
fbem-15380	69	5	benefits	benefit	NOUN
fbem-15380	69	6	of	of	ADP
fbem-15380	69	7	smart	smart	ADJ
fbem-15380	69	8	contracts	contract	NOUN
fbem-15380	69	9	can	can	AUX
fbem-15380	69	10	88	88	NUM
fbem-15380	69	11	be	be	AUX
fbem-15380	69	12	discussed	discuss	VERB
fbem-15380	69	13	from	from	ADP
fbem-15380	69	14	two	two	NUM
fbem-15380	69	15	aspects	aspect	NOUN
fbem-15380	69	16	:	:	PUNCT
fbem-15380	69	17	one	one	NUM
fbem-15380	69	18	is	be	AUX
fbem-15380	69	19	the	the	DET
fbem-15380	69	20	regulatory	regulatory	ADJ
fbem-15380	69	21	efficiency	efficiency	NOUN
fbem-15380	69	22	of	of	ADP
fbem-15380	69	23	the	the	DET
fbem-15380	69	24	government	government	NOUN
fbem-15380	69	25	,	,	PUNCT
fbem-15380	69	26	and	and	CCONJ
fbem-15380	69	27	the	the	DET
fbem-15380	69	28	other	other	ADJ
fbem-15380	69	29	is	be	AUX
fbem-15380	69	30	the	the	DET
fbem-15380	69	31	benefit	benefit	NOUN
fbem-15380	69	32	of	of	ADP
fbem-15380	69	33	creditors	creditor	NOUN
fbem-15380	69	34	.	.	PUNCT
fbem-15380	70	1	the	the	DET
fbem-15380	70	2	smart	smart	ADJ
fbem-15380	70	3	contract	contract	NOUN
fbem-15380	70	4	relies	rely	VERB
fbem-15380	70	5	on	on	ADP
fbem-15380	70	6	the	the	DET
fbem-15380	70	7	characteristics	characteristic	NOUN
fbem-15380	70	8	of	of	ADP
fbem-15380	70	9	blockchain	blockchain	PROPN
fbem-15380	70	10	technology	technology	NOUN
fbem-15380	70	11	distributed	distribute	VERB
fbem-15380	70	12	ledger	ledger	NOUN
fbem-15380	70	13	,	,	PUNCT
fbem-15380	70	14	which	which	PRON
fbem-15380	70	15	allows	allow	VERB
fbem-15380	70	16	the	the	DET
fbem-15380	70	17	government	government	NOUN
fbem-15380	70	18	to	to	PART
fbem-15380	70	19	intervene	intervene	VERB
fbem-15380	70	20	in	in	ADP
fbem-15380	70	21	supervision	supervision	NOUN
fbem-15380	70	22	when	when	SCONJ
fbem-15380	70	23	forming	form	VERB
fbem-15380	70	24	each	each	DET
fbem-15380	70	25	node	node	NOUN
fbem-15380	70	26	.	.	PUNCT
fbem-15380	71	1	once	once	ADV
fbem-15380	71	2	suspicious	suspicious	ADJ
fbem-15380	71	3	transactions	transaction	NOUN
fbem-15380	71	4	are	be	AUX
fbem-15380	71	5	found	find	VERB
fbem-15380	71	6	,	,	PUNCT
fbem-15380	71	7	they	they	PRON
fbem-15380	71	8	can	can	AUX
fbem-15380	71	9	intervene	intervene	VERB
fbem-15380	71	10	in	in	ADP
fbem-15380	71	11	investigation	investigation	NOUN
fbem-15380	71	12	or	or	CCONJ
fbem-15380	71	13	become	become	VERB
fbem-15380	71	14	evidence	evidence	NOUN
fbem-15380	71	15	.	.	PUNCT
fbem-15380	72	1	from	from	ADP
fbem-15380	72	2	the	the	DET
fbem-15380	72	3	perspective	perspective	NOUN
fbem-15380	72	4	of	of	ADP
fbem-15380	72	5	the	the	DET
fbem-15380	72	6	benefit	benefit	NOUN
fbem-15380	72	7	of	of	ADP
fbem-15380	72	8	creditors	creditor	NOUN
fbem-15380	72	9	,	,	PUNCT
fbem-15380	72	10	if	if	SCONJ
fbem-15380	72	11	the	the	DET
fbem-15380	72	12	debtor	debtor	NOUN
fbem-15380	72	13	defaults	default	NOUN
fbem-15380	72	14	,	,	PUNCT
fbem-15380	72	15	creditors	creditor	NOUN
fbem-15380	72	16	can	can	AUX
fbem-15380	72	17	use	use	VERB
fbem-15380	72	18	this	this	DET
fbem-15380	72	19	method	method	NOUN
fbem-15380	72	20	to	to	PART
fbem-15380	72	21	claim	claim	VERB
fbem-15380	72	22	their	their	PRON
fbem-15380	72	23	legitimate	legitimate	ADJ
fbem-15380	72	24	rights	right	NOUN
fbem-15380	72	25	and	and	CCONJ
fbem-15380	72	26	interests	interest	NOUN
fbem-15380	72	27	to	to	ADP
fbem-15380	72	28	the	the	DET
fbem-15380	72	29	court	court	NOUN
fbem-15380	72	30	.	.	PUNCT
fbem-15380	73	1	(	(	PUNCT
fbem-15380	73	2	3	3	X
fbem-15380	73	3	)	)	PUNCT
fbem-15380	73	4	before	before	ADP
fbem-15380	73	5	the	the	DET
fbem-15380	73	6	debtor	debtor	NOUN
fbem-15380	73	7	registers	register	NOUN
fbem-15380	73	8	as	as	ADP
fbem-15380	73	9	a	a	DET
fbem-15380	73	10	user	user	NOUN
fbem-15380	73	11	on	on	ADP
fbem-15380	73	12	the	the	DET
fbem-15380	73	13	platform	platform	NOUN
fbem-15380	73	14	,	,	PUNCT
fbem-15380	73	15	it	it	PRON
fbem-15380	73	16	can	can	AUX
fbem-15380	73	17	use	use	VERB
fbem-15380	73	18	the	the	DET
fbem-15380	73	19	bank	bank	NOUN
fbem-15380	73	20	to	to	PART
fbem-15380	73	21	evaluate	evaluate	VERB
fbem-15380	73	22	the	the	DET
fbem-15380	73	23	assets	asset	NOUN
fbem-15380	73	24	and	and	CCONJ
fbem-15380	73	25	liabilities	liability	NOUN
fbem-15380	73	26	.	.	PUNCT
fbem-15380	74	1	when	when	SCONJ
fbem-15380	74	2	the	the	DET
fbem-15380	74	3	debtor	debtor	NOUN
fbem-15380	74	4	proposes	propose	VERB
fbem-15380	74	5	a	a	DET
fbem-15380	74	6	financing	financing	NOUN
fbem-15380	74	7	plan	plan	NOUN
fbem-15380	74	8	,	,	PUNCT
fbem-15380	74	9	on	on	ADP
fbem-15380	74	10	the	the	DET
fbem-15380	74	11	one	one	NUM
fbem-15380	74	12	hand	hand	NOUN
fbem-15380	74	13	,	,	PUNCT
fbem-15380	74	14	it	it	PRON
fbem-15380	74	15	can	can	AUX
fbem-15380	74	16	first	first	ADV
fbem-15380	74	17	stand	stand	VERB
fbem-15380	74	18	on	on	ADP
fbem-15380	74	19	the	the	DET
fbem-15380	74	20	platform	platform	NOUN
fbem-15380	74	21	for	for	ADP
fbem-15380	74	22	about	about	ADV
fbem-15380	74	23	20	20	NUM
fbem-15380	74	24	days	day	NOUN
fbem-15380	74	25	to	to	PART
fbem-15380	74	26	prevent	prevent	VERB
fbem-15380	74	27	irrational	irrational	ADJ
fbem-15380	74	28	financing	financing	NOUN
fbem-15380	74	29	and	and	CCONJ
fbem-15380	74	30	later	later	ADJ
fbem-15380	74	31	failure	failure	NOUN
fbem-15380	74	32	to	to	PART
fbem-15380	74	33	repay	repay	VERB
fbem-15380	74	34	debts	debt	NOUN
fbem-15380	74	35	.	.	PUNCT
fbem-15380	75	1	on	on	ADP
fbem-15380	75	2	the	the	DET
fbem-15380	75	3	other	other	ADJ
fbem-15380	75	4	hand	hand	NOUN
fbem-15380	75	5	,	,	PUNCT
fbem-15380	75	6	it	it	PRON
fbem-15380	75	7	can	can	AUX
fbem-15380	75	8	allow	allow	VERB
fbem-15380	75	9	the	the	DET
fbem-15380	75	10	platform	platform	NOUN
fbem-15380	75	11	to	to	PART
fbem-15380	75	12	show	show	VERB
fbem-15380	75	13	the	the	DET
fbem-15380	75	14	liabilities	liability	NOUN
fbem-15380	75	15	of	of	ADP
fbem-15380	75	16	users	user	NOUN
fbem-15380	75	17	who	who	PRON
fbem-15380	75	18	have	have	AUX
fbem-15380	75	19	been	be	AUX
fbem-15380	75	20	investigated	investigate	VERB
fbem-15380	75	21	by	by	ADP
fbem-15380	75	22	the	the	DET
fbem-15380	75	23	bank	bank	NOUN
fbem-15380	75	24	for	for	ADP
fbem-15380	75	25	endorsement	endorsement	NOUN
fbem-15380	75	26	in	in	ADP
fbem-15380	75	27	the	the	DET
fbem-15380	75	28	early	early	ADJ
fbem-15380	75	29	stage	stage	NOUN
fbem-15380	75	30	.	.	PUNCT
fbem-15380	76	1	if	if	SCONJ
fbem-15380	76	2	the	the	DET
fbem-15380	76	3	platform	platform	NOUN
fbem-15380	76	4	finds	find	VERB
fbem-15380	76	5	that	that	SCONJ
fbem-15380	76	6	the	the	DET
fbem-15380	76	7	user	user	NOUN
fbem-15380	76	8	's	's	PART
fbem-15380	76	9	debt	debt	NOUN
fbem-15380	76	10	is	be	AUX
fbem-15380	76	11	too	too	ADV
fbem-15380	76	12	high	high	ADJ
fbem-15380	76	13	or	or	CCONJ
fbem-15380	76	14	the	the	DET
fbem-15380	76	15	bad	bad	ADJ
fbem-15380	76	16	credit	credit	NOUN
fbem-15380	76	17	record	record	NOUN
fbem-15380	76	18	is	be	AUX
fbem-15380	76	19	too	too	ADV
fbem-15380	76	20	high	high	ADJ
fbem-15380	76	21	through	through	ADP
fbem-15380	76	22	the	the	DET
fbem-15380	76	23	bank	bank	NOUN
fbem-15380	76	24	in	in	ADP
fbem-15380	76	25	the	the	DET
fbem-15380	76	26	early	early	ADJ
fbem-15380	76	27	stage	stage	NOUN
fbem-15380	76	28	,	,	PUNCT
fbem-15380	76	29	it	it	PRON
fbem-15380	76	30	can	can	AUX
fbem-15380	76	31	not	not	PART
fbem-15380	76	32	allow	allow	VERB
fbem-15380	76	33	the	the	DET
fbem-15380	76	34	user	user	NOUN
fbem-15380	76	35	to	to	PART
fbem-15380	76	36	become	become	VERB
fbem-15380	76	37	a	a	DET
fbem-15380	76	38	platform	platform	NOUN
fbem-15380	76	39	user	user	NOUN
fbem-15380	76	40	.	.	PUNCT
fbem-15380	77	1	(	(	PUNCT
fbem-15380	77	2	4	4	X
fbem-15380	77	3	)	)	PUNCT
fbem-15380	77	4	the	the	DET
fbem-15380	77	5	platform	platform	NOUN
fbem-15380	77	6	can	can	AUX
fbem-15380	77	7	also	also	ADV
fbem-15380	77	8	learn	learn	VERB
fbem-15380	77	9	from	from	ADP
fbem-15380	77	10	the	the	DET
fbem-15380	77	11	supervision	supervision	NOUN
fbem-15380	77	12	mechanism	mechanism	NOUN
fbem-15380	77	13	of	of	ADP
fbem-15380	77	14	the	the	DET
fbem-15380	77	15	netherlands	netherlands	PROPN
fbem-15380	77	16	for	for	ADP
fbem-15380	77	17	creditors	creditor	NOUN
fbem-15380	77	18	on	on	ADP
fbem-15380	77	19	the	the	DET
fbem-15380	77	20	internet	internet	NOUN
fbem-15380	77	21	platform	platform	NOUN
fbem-15380	77	22	,	,	PUNCT
fbem-15380	77	23	which	which	PRON
fbem-15380	77	24	can	can	AUX
fbem-15380	77	25	protect	protect	VERB
fbem-15380	77	26	the	the	DET
fbem-15380	77	27	rights	right	NOUN
fbem-15380	77	28	and	and	CCONJ
fbem-15380	77	29	interests	interest	NOUN
fbem-15380	77	30	of	of	ADP
fbem-15380	77	31	creditors	creditor	NOUN
fbem-15380	77	32	to	to	ADP
fbem-15380	77	33	a	a	DET
fbem-15380	77	34	certain	certain	ADJ
fbem-15380	77	35	extent	extent	NOUN
fbem-15380	77	36	(	(	PUNCT
fbem-15380	77	37	in	in	ADP
fbem-15380	77	38	the	the	DET
fbem-15380	77	39	early	early	ADJ
fbem-15380	77	40	p2p	p2p	NOUN
fbem-15380	77	41	platform	platform	NOUN
fbem-15380	77	42	explosion	explosion	NOUN
fbem-15380	77	43	incident	incident	NOUN
fbem-15380	77	44	,	,	PUNCT
fbem-15380	77	45	investors	investor	NOUN
fbem-15380	77	46	believed	believe	VERB
fbem-15380	77	47	that	that	SCONJ
fbem-15380	77	48	the	the	DET
fbem-15380	77	49	return	return	NOUN
fbem-15380	77	50	rate	rate	NOUN
fbem-15380	77	51	of	of	ADP
fbem-15380	77	52	investment	investment	NOUN
fbem-15380	77	53	was	be	AUX
fbem-15380	77	54	high	high	ADJ
fbem-15380	77	55	and	and	CCONJ
fbem-15380	77	56	blindly	blindly	ADV
fbem-15380	77	57	followed	follow	VERB
fbem-15380	77	58	the	the	DET
fbem-15380	77	59	investment	investment	NOUN
fbem-15380	77	60	regardless	regardless	ADV
fbem-15380	77	61	of	of	ADP
fbem-15380	77	62	the	the	DET
fbem-15380	77	63	risk	risk	NOUN
fbem-15380	77	64	,	,	PUNCT
fbem-15380	77	65	resulting	result	VERB
fbem-15380	77	66	in	in	ADP
fbem-15380	77	67	the	the	DET
fbem-15380	77	68	failure	failure	NOUN
fbem-15380	77	69	to	to	PART
fbem-15380	77	70	recover	recover	VERB
fbem-15380	77	71	funds	fund	NOUN
fbem-15380	77	72	in	in	ADP
fbem-15380	77	73	the	the	DET
fbem-15380	77	74	later	later	ADJ
fbem-15380	77	75	stage	stage	NOUN
fbem-15380	77	76	)	)	PUNCT
fbem-15380	77	77	.	.	PUNCT
fbem-15380	78	1	the	the	DET
fbem-15380	78	2	aspects	aspect	NOUN
fbem-15380	78	3	that	that	PRON
fbem-15380	78	4	can	can	AUX
fbem-15380	78	5	be	be	AUX
fbem-15380	78	6	used	use	VERB
fbem-15380	78	7	for	for	ADP
fbem-15380	78	8	reference	reference	NOUN
fbem-15380	78	9	include	include	VERB
fbem-15380	78	10	:	:	PUNCT
fbem-15380	78	11	investment	investment	NOUN
fbem-15380	78	12	restrictions	restriction	NOUN
fbem-15380	78	13	(	(	PUNCT
fbem-15380	78	14	e.g.	e.g.	ADV
fbem-15380	78	15	,	,	PUNCT
fbem-15380	78	16	a	a	DET
fbem-15380	78	17	hierarchy	hierarchy	NOUN
fbem-15380	78	18	of	of	ADP
fbem-15380	78	19	the	the	DET
fbem-15380	78	20	amount	amount	NOUN
fbem-15380	78	21	of	of	ADP
fbem-15380	78	22	online	online	ADJ
fbem-15380	78	23	investment	investment	NOUN
fbem-15380	78	24	that	that	PRON
fbem-15380	78	25	can	can	AUX
fbem-15380	78	26	be	be	AUX
fbem-15380	78	27	made	make	VERB
fbem-15380	78	28	on	on	ADP
fbem-15380	78	29	an	an	DET
fbem-15380	78	30	internet	internet	NOUN
fbem-15380	78	31	finance	finance	NOUN
fbem-15380	78	32	platform	platform	NOUN
fbem-15380	78	33	each	each	DET
fbem-15380	78	34	year	year	NOUN
fbem-15380	78	35	based	base	VERB
fbem-15380	78	36	on	on	ADP
fbem-15380	78	37	an	an	DET
fbem-15380	78	38	investor	investor	NOUN
fbem-15380	78	39	's	's	PART
fbem-15380	78	40	annual	annual	ADJ
fbem-15380	78	41	income	income	NOUN
fbem-15380	78	42	)	)	PUNCT
fbem-15380	78	43	,	,	PUNCT
fbem-15380	78	44	active	active	ADJ
fbem-15380	78	45	confirmation	confirmation	NOUN
fbem-15380	78	46	and	and	CCONJ
fbem-15380	78	47	cancellation	cancellation	NOUN
fbem-15380	78	48	options	option	NOUN
fbem-15380	78	49	(	(	PUNCT
fbem-15380	78	50	if	if	SCONJ
fbem-15380	78	51	an	an	DET
fbem-15380	78	52	investor	investor	NOUN
fbem-15380	78	53	decides	decide	VERB
fbem-15380	78	54	to	to	PART
fbem-15380	78	55	invest	invest	VERB
fbem-15380	78	56	in	in	ADP
fbem-15380	78	57	a	a	DET
fbem-15380	78	58	certain	certain	ADJ
fbem-15380	78	59	project	project	NOUN
fbem-15380	78	60	,	,	PUNCT
fbem-15380	78	61	the	the	DET
fbem-15380	78	62	investor	investor	NOUN
fbem-15380	78	63	should	should	AUX
fbem-15380	78	64	confirm	confirm	VERB
fbem-15380	78	65	the	the	DET
fbem-15380	78	66	action	action	NOUN
fbem-15380	78	67	by	by	ADP
fbem-15380	78	68	email	email	NOUN
fbem-15380	78	69	,	,	PUNCT
fbem-15380	78	70	and	and	CCONJ
fbem-15380	78	71	then	then	ADV
fbem-15380	78	72	reply	reply	VERB
fbem-15380	78	73	to	to	ADP
fbem-15380	78	74	the	the	DET
fbem-15380	78	75	platform	platform	NOUN
fbem-15380	78	76	by	by	ADP
fbem-15380	78	77	email	email	NOUN
fbem-15380	78	78	when	when	SCONJ
fbem-15380	78	79	the	the	DET
fbem-15380	78	80	investor	investor	NOUN
fbem-15380	78	81	has	have	AUX
fbem-15380	78	82	confirmed	confirm	VERB
fbem-15380	78	83	the	the	DET
fbem-15380	78	84	investment	investment	NOUN
fbem-15380	78	85	method	method	NOUN
fbem-15380	78	86	)	)	PUNCT
fbem-15380	78	87	.	.	PUNCT
fbem-15380	79	1	,	,	PUNCT
fbem-15380	79	2	asset	asset	NOUN
fbem-15380	79	3	segregation	segregation	NOUN
fbem-15380	79	4	(	(	PUNCT
fbem-15380	79	5	platform	platform	NOUN
fbem-15380	79	6	assets	asset	NOUN
fbem-15380	79	7	,	,	PUNCT
fbem-15380	79	8	borrower	borrower	NOUN
fbem-15380	79	9	assets	asset	NOUN
fbem-15380	79	10	and	and	CCONJ
fbem-15380	79	11	lender	lender	NOUN
fbem-15380	79	12	assets	asset	NOUN
fbem-15380	79	13	should	should	AUX
fbem-15380	79	14	be	be	AUX
fbem-15380	79	15	segregated	segregate	VERB
fbem-15380	79	16	.	.	PUNCT
fbem-15380	79	17	)	)	PUNCT
fbem-15380	80	1	4.2	4.2	NUM
fbem-15380	80	2	.	.	PUNCT
fbem-15380	81	1	in	in	ADP
fbem-15380	81	2	terms	term	NOUN
fbem-15380	81	3	of	of	ADP
fbem-15380	81	4	credit	credit	NOUN
fbem-15380	81	5	evaluation	evaluation	NOUN
fbem-15380	81	6	of	of	ADP
fbem-15380	81	7	internet	internet	NOUN
fbem-15380	81	8	financial	financial	ADJ
fbem-15380	81	9	platforms	platform	NOUN
fbem-15380	81	10	china	china	PROPN
fbem-15380	81	11	can	can	AUX
fbem-15380	81	12	build	build	VERB
fbem-15380	81	13	a	a	DET
fbem-15380	81	14	credit	credit	NOUN
fbem-15380	81	15	evaluation	evaluation	NOUN
fbem-15380	81	16	system	system	NOUN
fbem-15380	81	17	belonging	belong	VERB
fbem-15380	81	18	to	to	ADP
fbem-15380	81	19	internet	internet	NOUN
fbem-15380	81	20	finance	finance	NOUN
fbem-15380	81	21	in	in	ADP
fbem-15380	81	22	the	the	DET
fbem-15380	81	23	credit	credit	NOUN
fbem-15380	81	24	investigation	investigation	NOUN
fbem-15380	81	25	system	system	NOUN
fbem-15380	81	26	of	of	ADP
fbem-15380	81	27	the	the	DET
fbem-15380	81	28	people	people	NOUN
fbem-15380	81	29	's	's	PART
fbem-15380	81	30	bank	bank	PROPN
fbem-15380	81	31	of	of	ADP
fbem-15380	81	32	china	china	PROPN
fbem-15380	81	33	,	,	PUNCT
fbem-15380	81	34	and	and	CCONJ
fbem-15380	81	35	establish	establish	VERB
fbem-15380	81	36	a	a	DET
fbem-15380	81	37	general	general	ADJ
fbem-15380	81	38	mechanism	mechanism	NOUN
fbem-15380	81	39	based	base	VERB
fbem-15380	81	40	on	on	ADP
fbem-15380	81	41	the	the	DET
fbem-15380	81	42	scoring	scoring	NOUN
fbem-15380	81	43	logic	logic	NOUN
fbem-15380	81	44	of	of	ADP
fbem-15380	81	45	fico	fico	NOUN
fbem-15380	81	46	scoring	scoring	NOUN
fbem-15380	81	47	system	system	NOUN
fbem-15380	81	48	in	in	ADP
fbem-15380	81	49	the	the	DET
fbem-15380	81	50	united	united	PROPN
fbem-15380	81	51	states	states	PROPN
fbem-15380	81	52	and	and	CCONJ
fbem-15380	81	53	the	the	DET
fbem-15380	81	54	credit	credit	NOUN
fbem-15380	81	55	investigation	investigation	NOUN
fbem-15380	81	56	system	system	NOUN
fbem-15380	81	57	of	of	ADP
fbem-15380	81	58	online	online	ADJ
fbem-15380	81	59	financial	financial	ADJ
fbem-15380	81	60	platforms	platform	NOUN
fbem-15380	81	61	in	in	ADP
fbem-15380	81	62	indonesia	indonesia	PROPN
fbem-15380	81	63	(	(	PUNCT
fbem-15380	81	64	the	the	DET
fbem-15380	81	65	main	main	ADJ
fbem-15380	81	66	criteria	criterion	NOUN
fbem-15380	81	67	are	be	AUX
fbem-15380	81	68	the	the	DET
fbem-15380	81	69	length	length	NOUN
fbem-15380	81	70	of	of	ADP
fbem-15380	81	71	previous	previous	ADJ
fbem-15380	81	72	credit	credit	NOUN
fbem-15380	81	73	use	use	NOUN
fbem-15380	81	74	,	,	PUNCT
fbem-15380	81	75	the	the	DET
fbem-15380	81	76	number	number	NOUN
fbem-15380	81	77	of	of	ADP
fbem-15380	81	78	new	new	ADJ
fbem-15380	81	79	credit	credit	NOUN
fbem-15380	81	80	accounts	account	NOUN
fbem-15380	81	81	opened	open	VERB
fbem-15380	81	82	,	,	PUNCT
fbem-15380	81	83	and	and	CCONJ
fbem-15380	81	84	the	the	DET
fbem-15380	81	85	type	type	NOUN
fbem-15380	81	86	of	of	ADP
fbem-15380	81	87	credit	credit	NOUN
fbem-15380	81	88	normally	normally	ADV
fbem-15380	81	89	used	use	VERB
fbem-15380	81	90	)	)	PUNCT
fbem-15380	81	91	.	.	PUNCT
fbem-15380	82	1	the	the	DET
fbem-15380	82	2	weighted	weight	VERB
fbem-15380	82	3	average	average	NOUN
fbem-15380	82	4	is	be	AUX
fbem-15380	82	5	used	use	VERB
fbem-15380	82	6	for	for	ADP
fbem-15380	82	7	the	the	DET
fbem-15380	82	8	calculation	calculation	NOUN
fbem-15380	82	9	.	.	PUNCT
fbem-15380	83	1	the	the	DET
fbem-15380	83	2	weights	weight	NOUN
fbem-15380	83	3	assigned	assign	VERB
fbem-15380	83	4	to	to	ADP
fbem-15380	83	5	each	each	DET
fbem-15380	83	6	category	category	NOUN
fbem-15380	83	7	can	can	AUX
fbem-15380	83	8	be	be	AUX
fbem-15380	83	9	provided	provide	VERB
fbem-15380	83	10	by	by	ADP
fbem-15380	83	11	the	the	DET
fbem-15380	83	12	government	government	NOUN
fbem-15380	83	13	after	after	ADP
fbem-15380	83	14	investigation	investigation	NOUN
fbem-15380	83	15	,	,	PUNCT
fbem-15380	83	16	and	and	CCONJ
fbem-15380	83	17	then	then	ADV
fbem-15380	83	18	each	each	DET
fbem-15380	83	19	platform	platform	NOUN
fbem-15380	83	20	adjusts	adjust	VERB
fbem-15380	83	21	the	the	DET
fbem-15380	83	22	weights	weight	NOUN
fbem-15380	83	23	based	base	VERB
fbem-15380	83	24	on	on	ADP
fbem-15380	83	25	its	its	PRON
fbem-15380	83	26	own	own	ADJ
fbem-15380	83	27	business	business	NOUN
fbem-15380	83	28	)	)	PUNCT
fbem-15380	83	29	.	.	PUNCT
fbem-15380	84	1	on	on	ADP
fbem-15380	84	2	this	this	DET
fbem-15380	84	3	basis	basis	NOUN
fbem-15380	84	4	,	,	PUNCT
fbem-15380	84	5	the	the	DET
fbem-15380	84	6	credit	credit	NOUN
fbem-15380	84	7	risk+	risk+	NOUN
fbem-15380	84	8	model	model	NOUN
fbem-15380	84	9	can	can	AUX
fbem-15380	84	10	be	be	AUX
fbem-15380	84	11	used	use	VERB
fbem-15380	84	12	to	to	PART
fbem-15380	84	13	assess	assess	VERB
fbem-15380	84	14	the	the	DET
fbem-15380	84	15	approximate	approximate	ADJ
fbem-15380	84	16	default	default	NOUN
fbem-15380	84	17	risk	risk	NOUN
fbem-15380	84	18	of	of	ADP
fbem-15380	84	19	borrowers	borrower	NOUN
fbem-15380	84	20	.	.	PUNCT
fbem-15380	85	1	4.3	4.3	NUM
fbem-15380	85	2	.	.	PUNCT
fbem-15380	86	1	in	in	ADP
fbem-15380	86	2	the	the	DET
fbem-15380	86	3	prevention	prevention	NOUN
fbem-15380	86	4	and	and	CCONJ
fbem-15380	86	5	control	control	NOUN
fbem-15380	86	6	of	of	ADP
fbem-15380	86	7	internet	internet	NOUN
fbem-15380	86	8	financial	financial	ADJ
fbem-15380	86	9	platforms	platform	NOUN
fbem-15380	86	10	after	after	ADP
fbem-15380	86	11	reaching	reach	VERB
fbem-15380	86	12	commercial	commercial	ADJ
fbem-15380	86	13	cooperation	cooperation	NOUN
fbem-15380	86	14	with	with	ADP
fbem-15380	86	15	banks	bank	NOUN
fbem-15380	86	16	in	in	ADP
fbem-15380	86	17	the	the	DET
fbem-15380	86	18	early	early	ADJ
fbem-15380	86	19	stage	stage	NOUN
fbem-15380	86	20	,	,	PUNCT
fbem-15380	86	21	the	the	DET
fbem-15380	86	22	platform	platform	NOUN
fbem-15380	86	23	should	should	AUX
fbem-15380	86	24	raise	raise	VERB
fbem-15380	86	25	the	the	DET
fbem-15380	86	26	default	default	NOUN
fbem-15380	86	27	cost	cost	NOUN
fbem-15380	86	28	to	to	ADP
fbem-15380	86	29	some	some	DET
fbem-15380	86	30	extent	extent	NOUN
fbem-15380	86	31	,	,	PUNCT
fbem-15380	86	32	which	which	PRON
fbem-15380	86	33	can	can	AUX
fbem-15380	86	34	include	include	VERB
fbem-15380	86	35	fines	fine	NOUN
fbem-15380	86	36	after	after	ADP
fbem-15380	86	37	contract	contract	NOUN
fbem-15380	86	38	default	default	NOUN
fbem-15380	86	39	,	,	PUNCT
fbem-15380	86	40	and	and	CCONJ
fbem-15380	86	41	can	can	AUX
fbem-15380	86	42	also	also	ADV
fbem-15380	86	43	synchronize	synchronize	VERB
fbem-15380	86	44	with	with	ADP
fbem-15380	86	45	the	the	DET
fbem-15380	86	46	bank	bank	NOUN
fbem-15380	86	47	to	to	PART
fbem-15380	86	48	restrict	restrict	VERB
fbem-15380	86	49	the	the	DET
fbem-15380	86	50	debtor	debtor	NOUN
fbem-15380	86	51	's	's	PART
fbem-15380	86	52	more	more	ADJ
fbem-15380	86	53	loans	loan	NOUN
fbem-15380	86	54	and	and	CCONJ
fbem-15380	86	55	lower	lower	VERB
fbem-15380	86	56	the	the	DET
fbem-15380	86	57	debtor	debtor	NOUN
fbem-15380	86	58	's	's	PART
fbem-15380	86	59	credit	credit	NOUN
fbem-15380	86	60	rating	rating	NOUN
fbem-15380	86	61	.	.	PUNCT
fbem-15380	87	1	5	5	X
fbem-15380	87	2	.	.	X
fbem-15380	87	3	outlook	outlook	NOUN
fbem-15380	87	4	as	as	SCONJ
fbem-15380	87	5	our	our	PRON
fbem-15380	87	6	country	country	NOUN
fbem-15380	87	7	gradually	gradually	ADV
fbem-15380	87	8	enters	enter	VERB
fbem-15380	87	9	the	the	DET
fbem-15380	87	10	internet	internet	NOUN
fbem-15380	87	11	+	+	CCONJ
fbem-15380	87	12	era	era	NOUN
fbem-15380	87	13	,	,	PUNCT
fbem-15380	87	14	the	the	DET
fbem-15380	87	15	internet	internet	NOUN
fbem-15380	87	16	+	+	CCONJ
fbem-15380	87	17	finance	finance	NOUN
fbem-15380	87	18	also	also	ADV
fbem-15380	87	19	becomes	become	VERB
fbem-15380	87	20	a	a	DET
fbem-15380	87	21	great	great	ADJ
fbem-15380	87	22	trend	trend	NOUN
fbem-15380	87	23	of	of	ADP
fbem-15380	87	24	financial	financial	ADJ
fbem-15380	87	25	development	development	NOUN
fbem-15380	87	26	.	.	PUNCT
fbem-15380	88	1	if	if	SCONJ
fbem-15380	88	2	the	the	DET
fbem-15380	88	3	digital	digital	ADJ
fbem-15380	88	4	rmb	rmb	NOUN
fbem-15380	88	5	is	be	AUX
fbem-15380	88	6	further	far	ADV
fbem-15380	88	7	integrated	integrate	VERB
fbem-15380	88	8	with	with	ADP
fbem-15380	88	9	the	the	DET
fbem-15380	88	10	blockchain	blockchain	PROPN
fbem-15380	88	11	technology	technology	PROPN
fbem-15380	88	12	,	,	PUNCT
fbem-15380	88	13	china	china	PROPN
fbem-15380	88	14	's	's	PART
fbem-15380	88	15	financial	financial	ADJ
fbem-15380	88	16	industry	industry	NOUN
fbem-15380	88	17	will	will	AUX
fbem-15380	88	18	enter	enter	VERB
fbem-15380	88	19	a	a	DET
fbem-15380	88	20	new	new	ADJ
fbem-15380	88	21	era	era	NOUN
fbem-15380	88	22	.	.	PUNCT
fbem-15380	89	1	when	when	SCONJ
fbem-15380	89	2	we	we	PRON
fbem-15380	89	3	gradually	gradually	ADV
fbem-15380	89	4	improve	improve	VERB
fbem-15380	89	5	the	the	DET
fbem-15380	89	6	combination	combination	NOUN
fbem-15380	89	7	of	of	ADP
fbem-15380	89	8	the	the	DET
fbem-15380	89	9	regulatory	regulatory	ADJ
fbem-15380	89	10	mechanism	mechanism	NOUN
fbem-15380	89	11	in	in	ADP
fbem-15380	89	12	the	the	DET
fbem-15380	89	13	internet	internet	NOUN
fbem-15380	89	14	+	+	CCONJ
fbem-15380	89	15	financial	financial	ADJ
fbem-15380	89	16	industry	industry	NOUN
fbem-15380	89	17	,	,	PUNCT
fbem-15380	89	18	the	the	DET
fbem-15380	89	19	field	field	NOUN
fbem-15380	89	20	will	will	AUX
fbem-15380	89	21	be	be	AUX
fbem-15380	89	22	greatly	greatly	ADV
fbem-15380	89	23	developed	develop	VERB
fbem-15380	89	24	.	.	PUNCT
fbem-15380	90	1	references	reference	NOUN
fbem-15380	90	2	[	[	X
fbem-15380	90	3	1	1	NUM
fbem-15380	90	4	]	]	X
fbem-15380	90	5	xiao	xiao	PROPN
fbem-15380	90	6	,	,	PUNCT
fbem-15380	90	7	j.	j.	PROPN
fbem-15380	90	8	,	,	PUNCT
fbem-15380	90	9	and	and	CCONJ
fbem-15380	90	10	liu	liu	PROPN
fbem-15380	90	11	,	,	PUNCT
fbem-15380	90	12	d.	d.	PROPN
fbem-15380	90	13	(	(	PUNCT
fbem-15380	90	14	2015	2015	NUM
fbem-15380	90	15	)	)	PUNCT
fbem-15380	90	16	legal	legal	ADJ
fbem-15380	90	17	procedures	procedure	NOUN
fbem-15380	90	18	related	relate	VERB
fbem-15380	90	19	to	to	ADP
fbem-15380	90	20	online	online	ADJ
fbem-15380	90	21	lending	lending	NOUN
fbem-15380	90	22	disputes	dispute	NOUN
fbem-15380	90	23	:	:	PUNCT
fbem-15380	90	24	study	study	NOUN
fbem-15380	90	25	on	on	ADP
fbem-15380	90	26	p2p	p2p	NOUN
fbem-15380	90	27	lending	lending	NOUN
fbem-15380	90	28	regulation	regulation	NOUN
fbem-15380	90	29	.	.	PUNCT
fbem-15380	91	1	renmin	renmin	PROPN
fbem-15380	91	2	chinese	chinese	PROPN
fbem-15380	91	3	l	l	PROPN
fbem-15380	91	4	rev	rev	PROPN
fbem-15380	91	5	.	.	PROPN
fbem-15380	91	6	,	,	PUNCT
fbem-15380	91	7	3(92):106	3(92):106	NUM
fbem-15380	91	8	-	-	SYM
fbem-15380	91	9	112	112	NUM
fbem-15380	91	10	.	.	PUNCT
fbem-15380	92	1	[	[	X
fbem-15380	92	2	2	2	NUM
fbem-15380	92	3	]	]	SYM
fbem-15380	92	4	tanja	tanja	NOUN
fbem-15380	92	5	,	,	PUNCT
fbem-15380	92	6	j.	j.	PROPN
fbem-15380	92	7	(	(	PUNCT
fbem-15380	92	8	2018	2018	NUM
fbem-15380	92	9	)	)	PUNCT
fbem-15380	92	10	legal	legal	ADJ
fbem-15380	92	11	challenges	challenge	NOUN
fbem-15380	92	12	of	of	ADP
fbem-15380	92	13	p2p	p2p	NOUN
fbem-15380	92	14	lending	lending	NOUN
fbem-15380	92	15	.	.	PUNCT
fbem-15380	93	1	nordic	nordic	ADJ
fbem-15380	93	2	journal	journal	PROPN
fbem-15380	93	3	of	of	ADP
fbem-15380	93	4	commerical	commerical	ADJ
fbem-15380	93	5	law	law	NOUN
fbem-15380	93	6	,	,	PUNCT
fbem-15380	93	7	231	231	NUM
fbem-15380	93	8	-	-	SYM
fbem-15380	93	9	260	260	NUM
fbem-15380	93	10	.	.	PUNCT
fbem-15380	94	1	[	[	X
fbem-15380	94	2	3	3	X
fbem-15380	94	3	]	]	X
fbem-15380	94	4	quan	quan	PROPN
fbem-15380	94	5	y.	y.	PROPN
fbem-15380	94	6	(	(	PUNCT
fbem-15380	94	7	2018	2018	NUM
fbem-15380	94	8	)	)	PUNCT
fbem-15380	94	9	research	research	NOUN
fbem-15380	94	10	on	on	ADP
fbem-15380	94	11	credit	credit	NOUN
fbem-15380	94	12	risk	risk	NOUN
fbem-15380	94	13	and	and	CCONJ
fbem-15380	94	14	prevention	prevention	NOUN
fbem-15380	94	15	of	of	ADP
fbem-15380	94	16	p2p	p2p	NOUN
fbem-15380	94	17	online	online	ADJ
fbem-15380	94	18	lending	lending	NOUN
fbem-15380	94	19	.	.	PUNCT
fbem-15380	95	1	thesis	thesis	NOUN
fbem-15380	95	2	of	of	ADP
fbem-15380	95	3	northeast	northeast	ADJ
fbem-15380	95	4	normal	normal	ADJ
fbem-15380	95	5	university	university	NOUN
fbem-15380	95	6	.	.	PUNCT
fbem-15380	96	1	[	[	X
fbem-15380	96	2	4	4	NUM
fbem-15380	96	3	]	]	X
fbem-15380	96	4	wang	wang	PROPN
fbem-15380	96	5	,	,	PUNCT
fbem-15380	96	6	w.	w.	PROPN
fbem-15380	96	7	,	,	PUNCT
fbem-15380	96	8	chen	chen	PROPN
fbem-15380	96	9	,	,	PUNCT
fbem-15380	96	10	x.	x.	NOUN
fbem-15380	96	11	(	(	PUNCT
fbem-15380	96	12	2019	2019	NUM
fbem-15380	96	13	)	)	PUNCT
fbem-15380	96	14	blockchain	blockchain	NOUN
fbem-15380	96	15	solution	solution	NOUN
fbem-15380	96	16	of	of	ADP
fbem-15380	96	17	p2p	p2p	NOUN
fbem-15380	96	18	online	online	ADJ
fbem-15380	96	19	lending	lending	NOUN
fbem-15380	96	20	.	.	PUNCT
fbem-15380	97	1	people	people	NOUN
fbem-15380	97	2	's	's	PART
fbem-15380	97	3	forum	forum	NOUN
fbem-15380	97	4	,	,	PUNCT
fbem-15380	97	5	07:78	07:78	NUM
fbem-15380	97	6	-	-	SYM
fbem-15380	97	7	79	79	NUM
fbem-15380	97	8	.	.	PUNCT