id	sid	tid	token	lemma	pos
fbem-16432	1	1	frontiers	frontier	NOUN
fbem-16432	1	2	in	in	ADP
fbem-16432	1	3	business	business	NOUN
fbem-16432	1	4	,	,	PUNCT
fbem-16432	1	5	economics	economic	NOUN
fbem-16432	1	6	and	and	CCONJ
fbem-16432	1	7	management	management	NOUN
fbem-16432	1	8	issn	issn	PROPN
fbem-16432	1	9	:	:	PUNCT
fbem-16432	1	10	2766	2766	NUM
fbem-16432	1	11	-	-	PUNCT
fbem-16432	1	12	824x	824x	NUM
fbem-16432	1	13	|	|	ADJ
fbem-16432	1	14	vol	vol	NOUN
fbem-16432	1	15	.	.	PROPN
fbem-16432	1	16	13	13	NUM
fbem-16432	1	17	,	,	PUNCT
fbem-16432	1	18	no	no	INTJ
fbem-16432	1	19	.	.	NOUN
fbem-16432	1	20	1	1	NUM
fbem-16432	1	21	,	,	PUNCT
fbem-16432	1	22	2024	2024	NUM
fbem-16432	1	23	21	21	NUM
fbem-16432	1	24	research	research	NOUN
fbem-16432	1	25	on	on	ADP
fbem-16432	1	26	the	the	DET
fbem-16432	1	27	impact	impact	NOUN
fbem-16432	1	28	of	of	ADP
fbem-16432	1	29	digital	digital	ADJ
fbem-16432	1	30	finance	finance	NOUN
fbem-16432	1	31	on	on	ADP
fbem-16432	1	32	household	household	NOUN
fbem-16432	1	33	financial	financial	ADJ
fbem-16432	1	34	asset	asset	NOUN
fbem-16432	1	35	allocation	allocation	NOUN
fbem-16432	1	36	xiao	xiao	PROPN
fbem-16432	1	37	zhang	zhang	PROPN
fbem-16432	1	38	school	school	PROPN
fbem-16432	1	39	of	of	ADP
fbem-16432	1	40	business	business	NOUN
fbem-16432	1	41	,	,	PUNCT
fbem-16432	1	42	nanjing	nanjing	PROPN
fbem-16432	1	43	normal	normal	ADJ
fbem-16432	1	44	university	university	PROPN
fbem-16432	1	45	,	,	PUNCT
fbem-16432	1	46	nanjing	nanjing	PROPN
fbem-16432	1	47	210000	210000	NUM
fbem-16432	1	48	,	,	PUNCT
fbem-16432	1	49	china	china	PROPN
fbem-16432	1	50	abstract	abstract	NOUN
fbem-16432	1	51	:	:	PUNCT
fbem-16432	1	52	with	with	ADP
fbem-16432	1	53	the	the	DET
fbem-16432	1	54	continuous	continuous	ADJ
fbem-16432	1	55	progress	progress	NOUN
fbem-16432	1	56	of	of	ADP
fbem-16432	1	57	science	science	NOUN
fbem-16432	1	58	and	and	CCONJ
fbem-16432	1	59	technology	technology	NOUN
fbem-16432	1	60	and	and	CCONJ
fbem-16432	1	61	the	the	DET
fbem-16432	1	62	popularization	popularization	NOUN
fbem-16432	1	63	of	of	ADP
fbem-16432	1	64	the	the	DET
fbem-16432	1	65	internet	internet	NOUN
fbem-16432	1	66	,	,	PUNCT
fbem-16432	1	67	digital	digital	ADJ
fbem-16432	1	68	finance	finance	NOUN
fbem-16432	1	69	has	have	AUX
fbem-16432	1	70	gradually	gradually	ADV
fbem-16432	1	71	become	become	VERB
fbem-16432	1	72	an	an	DET
fbem-16432	1	73	important	important	ADJ
fbem-16432	1	74	development	development	NOUN
fbem-16432	1	75	direction	direction	NOUN
fbem-16432	1	76	of	of	ADP
fbem-16432	1	77	the	the	DET
fbem-16432	1	78	financial	financial	ADJ
fbem-16432	1	79	industry	industry	NOUN
fbem-16432	1	80	,	,	PUNCT
fbem-16432	1	81	and	and	CCONJ
fbem-16432	1	82	the	the	DET
fbem-16432	1	83	development	development	NOUN
fbem-16432	1	84	of	of	ADP
fbem-16432	1	85	digital	digital	ADJ
fbem-16432	1	86	finance	finance	NOUN
fbem-16432	1	87	has	have	VERB
fbem-16432	1	88	a	a	DET
fbem-16432	1	89	profound	profound	ADJ
fbem-16432	1	90	impact	impact	NOUN
fbem-16432	1	91	on	on	ADP
fbem-16432	1	92	household	household	NOUN
fbem-16432	1	93	financial	financial	ADJ
fbem-16432	1	94	asset	asset	NOUN
fbem-16432	1	95	allocation	allocation	NOUN
fbem-16432	1	96	behavior	behavior	NOUN
fbem-16432	1	97	.	.	PUNCT
fbem-16432	2	1	this	this	DET
fbem-16432	2	2	paper	paper	NOUN
fbem-16432	2	3	reviews	review	VERB
fbem-16432	2	4	the	the	DET
fbem-16432	2	5	research	research	NOUN
fbem-16432	2	6	results	result	NOUN
fbem-16432	2	7	related	relate	VERB
fbem-16432	2	8	to	to	ADP
fbem-16432	2	9	digital	digital	ADJ
fbem-16432	2	10	finance	finance	NOUN
fbem-16432	2	11	and	and	CCONJ
fbem-16432	2	12	household	household	NOUN
fbem-16432	2	13	financial	financial	ADJ
fbem-16432	2	14	asset	asset	NOUN
fbem-16432	2	15	allocation	allocation	NOUN
fbem-16432	2	16	,	,	PUNCT
fbem-16432	2	17	discusses	discuss	VERB
fbem-16432	2	18	the	the	DET
fbem-16432	2	19	possible	possible	ADJ
fbem-16432	2	20	direct	direct	ADJ
fbem-16432	2	21	and	and	CCONJ
fbem-16432	2	22	indirect	indirect	ADJ
fbem-16432	2	23	impacts	impact	NOUN
fbem-16432	2	24	of	of	ADP
fbem-16432	2	25	the	the	DET
fbem-16432	2	26	development	development	NOUN
fbem-16432	2	27	of	of	ADP
fbem-16432	2	28	digital	digital	ADJ
fbem-16432	2	29	finance	finance	NOUN
fbem-16432	2	30	on	on	ADP
fbem-16432	2	31	household	household	NOUN
fbem-16432	2	32	financial	financial	ADJ
fbem-16432	2	33	asset	asset	NOUN
fbem-16432	2	34	allocation	allocation	NOUN
fbem-16432	2	35	by	by	ADP
fbem-16432	2	36	combining	combine	VERB
fbem-16432	2	37	asset	asset	NOUN
fbem-16432	2	38	portfolio	portfolio	NOUN
fbem-16432	2	39	theory	theory	NOUN
fbem-16432	2	40	,	,	PUNCT
fbem-16432	2	41	market	market	NOUN
fbem-16432	2	42	friction	friction	NOUN
fbem-16432	2	43	theory	theory	NOUN
fbem-16432	2	44	and	and	CCONJ
fbem-16432	2	45	long	long	ADJ
fbem-16432	2	46	tail	tail	NOUN
fbem-16432	2	47	theory	theory	NOUN
fbem-16432	2	48	,	,	PUNCT
fbem-16432	2	49	and	and	CCONJ
fbem-16432	2	50	proposes	propose	VERB
fbem-16432	2	51	the	the	DET
fbem-16432	2	52	possible	possible	ADJ
fbem-16432	2	53	intermediary	intermediary	ADJ
fbem-16432	2	54	effects	effect	NOUN
fbem-16432	2	55	of	of	ADP
fbem-16432	2	56	financial	financial	ADJ
fbem-16432	2	57	availability	availability	NOUN
fbem-16432	2	58	,	,	PUNCT
fbem-16432	2	59	financial	financial	ADJ
fbem-16432	2	60	literacy	literacy	NOUN
fbem-16432	2	61	and	and	CCONJ
fbem-16432	2	62	entrepreneurial	entrepreneurial	ADJ
fbem-16432	2	63	willingness	willingness	NOUN
fbem-16432	2	64	through	through	ADP
fbem-16432	2	65	mechanism	mechanism	NOUN
fbem-16432	2	66	analysis	analysis	NOUN
fbem-16432	2	67	.	.	PUNCT
fbem-16432	3	1	based	base	VERB
fbem-16432	3	2	on	on	ADP
fbem-16432	3	3	the	the	DET
fbem-16432	3	4	above	above	ADJ
fbem-16432	3	5	discussion	discussion	NOUN
fbem-16432	3	6	,	,	PUNCT
fbem-16432	3	7	this	this	DET
fbem-16432	3	8	paper	paper	NOUN
fbem-16432	3	9	puts	put	VERB
fbem-16432	3	10	forward	forward	ADV
fbem-16432	3	11	relevant	relevant	ADJ
fbem-16432	3	12	suggestions	suggestion	NOUN
fbem-16432	3	13	:	:	PUNCT
fbem-16432	3	14	(	(	PUNCT
fbem-16432	3	15	1	1	X
fbem-16432	3	16	)	)	PUNCT
fbem-16432	3	17	improve	improve	VERB
fbem-16432	3	18	the	the	DET
fbem-16432	3	19	penetration	penetration	NOUN
fbem-16432	3	20	rate	rate	NOUN
fbem-16432	3	21	of	of	ADP
fbem-16432	3	22	digital	digital	ADJ
fbem-16432	3	23	finance	finance	NOUN
fbem-16432	3	24	,	,	PUNCT
fbem-16432	3	25	and	and	CCONJ
fbem-16432	3	26	increase	increase	VERB
fbem-16432	3	27	the	the	DET
fbem-16432	3	28	promotion	promotion	NOUN
fbem-16432	3	29	of	of	ADP
fbem-16432	3	30	digital	digital	ADJ
fbem-16432	3	31	finance	finance	NOUN
fbem-16432	3	32	for	for	ADP
fbem-16432	3	33	remote	remote	ADJ
fbem-16432	3	34	areas	area	NOUN
fbem-16432	3	35	and	and	CCONJ
fbem-16432	3	36	low	low	ADJ
fbem-16432	3	37	-	-	PUNCT
fbem-16432	3	38	income	income	NOUN
fbem-16432	3	39	groups	group	NOUN
fbem-16432	3	40	;	;	PUNCT
fbem-16432	3	41	(	(	PUNCT
fbem-16432	3	42	2	2	X
fbem-16432	3	43	)	)	PUNCT
fbem-16432	3	44	strengthen	strengthen	VERB
fbem-16432	3	45	financial	financial	ADJ
fbem-16432	3	46	education	education	NOUN
fbem-16432	3	47	to	to	PART
fbem-16432	3	48	enhance	enhance	VERB
fbem-16432	3	49	families	family	NOUN
fbem-16432	3	50	'	'	PART
fbem-16432	3	51	awareness	awareness	NOUN
fbem-16432	3	52	and	and	CCONJ
fbem-16432	3	53	digital	digital	ADJ
fbem-16432	3	54	financial	financial	ADJ
fbem-16432	3	55	literacy	literacy	NOUN
fbem-16432	3	56	of	of	ADP
fbem-16432	3	57	digital	digital	ADJ
fbem-16432	3	58	finance	finance	NOUN
fbem-16432	3	59	.	.	PUNCT
fbem-16432	4	1	(	(	PUNCT
fbem-16432	4	2	3	3	X
fbem-16432	4	3	)	)	PUNCT
fbem-16432	4	4	optimize	optimize	VERB
fbem-16432	4	5	digital	digital	ADJ
fbem-16432	4	6	financial	financial	ADJ
fbem-16432	4	7	products	product	NOUN
fbem-16432	4	8	to	to	PART
fbem-16432	4	9	meet	meet	VERB
fbem-16432	4	10	the	the	DET
fbem-16432	4	11	diverse	diverse	ADJ
fbem-16432	4	12	needs	need	NOUN
fbem-16432	4	13	of	of	ADP
fbem-16432	4	14	users	user	NOUN
fbem-16432	4	15	.	.	PUNCT
fbem-16432	5	1	(	(	PUNCT
fbem-16432	5	2	4	4	X
fbem-16432	5	3	)	)	PUNCT
fbem-16432	5	4	strengthen	strengthen	VERB
fbem-16432	5	5	government	government	NOUN
fbem-16432	5	6	supervision	supervision	NOUN
fbem-16432	5	7	,	,	PUNCT
fbem-16432	5	8	improve	improve	VERB
fbem-16432	5	9	digital	digital	ADJ
fbem-16432	5	10	finance	finance	NOUN
fbem-16432	5	11	related	relate	VERB
fbem-16432	5	12	laws	law	NOUN
fbem-16432	5	13	and	and	CCONJ
fbem-16432	5	14	regulations	regulation	NOUN
fbem-16432	5	15	,	,	PUNCT
fbem-16432	5	16	and	and	CCONJ
fbem-16432	5	17	ensure	ensure	VERB
fbem-16432	5	18	the	the	DET
fbem-16432	5	19	healthy	healthy	ADJ
fbem-16432	5	20	and	and	CCONJ
fbem-16432	5	21	sustainable	sustainable	ADJ
fbem-16432	5	22	development	development	NOUN
fbem-16432	5	23	of	of	ADP
fbem-16432	5	24	digital	digital	ADJ
fbem-16432	5	25	finance	finance	NOUN
fbem-16432	5	26	.	.	PUNCT
fbem-16432	6	1	keywords	keyword	NOUN
fbem-16432	6	2	:	:	PUNCT
fbem-16432	6	3	digital	digital	ADJ
fbem-16432	6	4	finance	finance	NOUN
fbem-16432	6	5	,	,	PUNCT
fbem-16432	6	6	household	household	NOUN
fbem-16432	6	7	financial	financial	ADJ
fbem-16432	6	8	asset	asset	NOUN
fbem-16432	6	9	allocation	allocation	NOUN
fbem-16432	6	10	,	,	PUNCT
fbem-16432	6	11	financial	financial	ADJ
fbem-16432	6	12	availability	availability	NOUN
fbem-16432	6	13	,	,	PUNCT
fbem-16432	6	14	financial	financial	ADJ
fbem-16432	6	15	literacy	literacy	NOUN
fbem-16432	6	16	,	,	PUNCT
fbem-16432	6	17	entrepreneurial	entrepreneurial	ADJ
fbem-16432	6	18	willingness	willingness	NOUN
fbem-16432	6	19	.	.	PUNCT
fbem-16432	7	1	1	1	X
fbem-16432	7	2	.	.	X
fbem-16432	7	3	introduction	introduction	NOUN
fbem-16432	7	4	with	with	ADP
fbem-16432	7	5	the	the	DET
fbem-16432	7	6	rapid	rapid	ADJ
fbem-16432	7	7	development	development	NOUN
fbem-16432	7	8	of	of	ADP
fbem-16432	7	9	information	information	NOUN
fbem-16432	7	10	technology	technology	NOUN
fbem-16432	7	11	and	and	CCONJ
fbem-16432	7	12	the	the	DET
fbem-16432	7	13	advent	advent	NOUN
fbem-16432	7	14	of	of	ADP
fbem-16432	7	15	the	the	DET
fbem-16432	7	16	digital	digital	ADJ
fbem-16432	7	17	era	era	NOUN
fbem-16432	7	18	,	,	PUNCT
fbem-16432	7	19	digital	digital	ADJ
fbem-16432	7	20	finance	finance	NOUN
fbem-16432	7	21	has	have	AUX
fbem-16432	7	22	gradually	gradually	ADV
fbem-16432	7	23	become	become	VERB
fbem-16432	7	24	an	an	DET
fbem-16432	7	25	important	important	ADJ
fbem-16432	7	26	trend	trend	NOUN
fbem-16432	7	27	in	in	ADP
fbem-16432	7	28	the	the	DET
fbem-16432	7	29	global	global	ADJ
fbem-16432	7	30	financial	financial	ADJ
fbem-16432	7	31	field	field	NOUN
fbem-16432	7	32	.	.	PUNCT
fbem-16432	8	1	digital	digital	ADJ
fbem-16432	8	2	finance	finance	NOUN
fbem-16432	8	3	relies	rely	VERB
fbem-16432	8	4	on	on	ADP
fbem-16432	8	5	advanced	advanced	ADJ
fbem-16432	8	6	technologies	technology	NOUN
fbem-16432	8	7	such	such	ADJ
fbem-16432	8	8	as	as	ADP
fbem-16432	8	9	big	big	ADJ
fbem-16432	8	10	data	datum	NOUN
fbem-16432	8	11	,	,	PUNCT
fbem-16432	8	12	cloud	cloud	NOUN
fbem-16432	8	13	computing	computing	NOUN
fbem-16432	8	14	and	and	CCONJ
fbem-16432	8	15	artificial	artificial	ADJ
fbem-16432	8	16	intelligence	intelligence	NOUN
fbem-16432	8	17	to	to	PART
fbem-16432	8	18	deeply	deeply	ADV
fbem-16432	8	19	transform	transform	VERB
fbem-16432	8	20	traditional	traditional	ADJ
fbem-16432	8	21	financial	financial	ADJ
fbem-16432	8	22	services	service	NOUN
fbem-16432	8	23	and	and	CCONJ
fbem-16432	8	24	provide	provide	VERB
fbem-16432	8	25	more	more	ADV
fbem-16432	8	26	convenient	convenient	ADJ
fbem-16432	8	27	,	,	PUNCT
fbem-16432	8	28	efficient	efficient	ADJ
fbem-16432	8	29	and	and	CCONJ
fbem-16432	8	30	personalized	personalized	ADJ
fbem-16432	8	31	financial	financial	ADJ
fbem-16432	8	32	services	service	NOUN
fbem-16432	8	33	for	for	ADP
fbem-16432	8	34	family	family	NOUN
fbem-16432	8	35	investors	investor	NOUN
fbem-16432	8	36	.	.	PUNCT
fbem-16432	9	1	in	in	ADP
fbem-16432	9	2	this	this	DET
fbem-16432	9	3	context	context	NOUN
fbem-16432	9	4	,	,	PUNCT
fbem-16432	9	5	the	the	DET
fbem-16432	9	6	household	household	NOUN
fbem-16432	9	7	financial	financial	ADJ
fbem-16432	9	8	asset	asset	NOUN
fbem-16432	9	9	allocation	allocation	NOUN
fbem-16432	9	10	has	have	AUX
fbem-16432	9	11	also	also	ADV
fbem-16432	9	12	undergone	undergo	VERB
fbem-16432	9	13	profound	profound	ADJ
fbem-16432	9	14	changes	change	NOUN
fbem-16432	9	15	,	,	PUNCT
fbem-16432	9	16	and	and	CCONJ
fbem-16432	9	17	the	the	DET
fbem-16432	9	18	impact	impact	NOUN
fbem-16432	9	19	of	of	ADP
fbem-16432	9	20	the	the	DET
fbem-16432	9	21	rise	rise	NOUN
fbem-16432	9	22	of	of	ADP
fbem-16432	9	23	digital	digital	ADJ
fbem-16432	9	24	finance	finance	NOUN
fbem-16432	9	25	on	on	ADP
fbem-16432	9	26	the	the	DET
fbem-16432	9	27	household	household	NOUN
fbem-16432	9	28	financial	financial	ADJ
fbem-16432	9	29	asset	asset	NOUN
fbem-16432	9	30	allocation	allocation	NOUN
fbem-16432	9	31	has	have	AUX
fbem-16432	9	32	become	become	VERB
fbem-16432	9	33	a	a	DET
fbem-16432	9	34	hot	hot	ADJ
fbem-16432	9	35	issue	issue	NOUN
fbem-16432	9	36	in	in	ADP
fbem-16432	9	37	current	current	ADJ
fbem-16432	9	38	research	research	NOUN
fbem-16432	9	39	.	.	PUNCT
fbem-16432	10	1	the	the	DET
fbem-16432	10	2	development	development	NOUN
fbem-16432	10	3	of	of	ADP
fbem-16432	10	4	digital	digital	ADJ
fbem-16432	10	5	finance	finance	NOUN
fbem-16432	10	6	has	have	AUX
fbem-16432	10	7	provided	provide	VERB
fbem-16432	10	8	family	family	NOUN
fbem-16432	10	9	investors	investor	NOUN
fbem-16432	10	10	with	with	ADP
fbem-16432	10	11	more	more	ADV
fbem-16432	10	12	diversified	diversified	ADJ
fbem-16432	10	13	financial	financial	ADJ
fbem-16432	10	14	products	product	NOUN
fbem-16432	10	15	and	and	CCONJ
fbem-16432	10	16	services	service	NOUN
fbem-16432	10	17	,	,	PUNCT
fbem-16432	10	18	such	such	ADJ
fbem-16432	10	19	as	as	ADP
fbem-16432	10	20	online	online	ADJ
fbem-16432	10	21	financing	financing	NOUN
fbem-16432	10	22	,	,	PUNCT
fbem-16432	10	23	p2p	p2p	NOUN
fbem-16432	10	24	lending	lending	NOUN
fbem-16432	10	25	,	,	PUNCT
fbem-16432	10	26	digital	digital	ADJ
fbem-16432	10	27	currency	currency	NOUN
fbem-16432	10	28	and	and	CCONJ
fbem-16432	10	29	so	so	ADV
fbem-16432	10	30	on	on	ADV
fbem-16432	10	31	.	.	PUNCT
fbem-16432	11	1	the	the	DET
fbem-16432	11	2	emergence	emergence	NOUN
fbem-16432	11	3	of	of	ADP
fbem-16432	11	4	these	these	DET
fbem-16432	11	5	new	new	ADJ
fbem-16432	11	6	financial	financial	ADJ
fbem-16432	11	7	forms	form	NOUN
fbem-16432	11	8	enables	enable	VERB
fbem-16432	11	9	household	household	NOUN
fbem-16432	11	10	investors	investor	NOUN
fbem-16432	11	11	to	to	PART
fbem-16432	11	12	allocate	allocate	VERB
fbem-16432	11	13	financial	financial	ADJ
fbem-16432	11	14	assets	asset	NOUN
fbem-16432	11	15	more	more	ADV
fbem-16432	11	16	flexibly	flexibly	ADV
fbem-16432	11	17	and	and	CCONJ
fbem-16432	11	18	achieve	achieve	VERB
fbem-16432	11	19	higher	high	ADJ
fbem-16432	11	20	investment	investment	NOUN
fbem-16432	11	21	returns	return	NOUN
fbem-16432	11	22	.	.	PUNCT
fbem-16432	12	1	the	the	DET
fbem-16432	12	2	rise	rise	NOUN
fbem-16432	12	3	of	of	ADP
fbem-16432	12	4	digital	digital	ADJ
fbem-16432	12	5	finance	finance	NOUN
fbem-16432	12	6	has	have	AUX
fbem-16432	12	7	broken	break	VERB
fbem-16432	12	8	the	the	DET
fbem-16432	12	9	dependence	dependence	NOUN
fbem-16432	12	10	of	of	ADP
fbem-16432	12	11	traditional	traditional	ADJ
fbem-16432	12	12	financial	financial	ADJ
fbem-16432	12	13	transactions	transaction	NOUN
fbem-16432	12	14	on	on	ADP
fbem-16432	12	15	physical	physical	ADJ
fbem-16432	12	16	outlets	outlet	NOUN
fbem-16432	12	17	,	,	PUNCT
fbem-16432	12	18	increased	increase	VERB
fbem-16432	12	19	the	the	DET
fbem-16432	12	20	convenience	convenience	NOUN
fbem-16432	12	21	of	of	ADP
fbem-16432	12	22	financial	financial	ADJ
fbem-16432	12	23	transactions	transaction	NOUN
fbem-16432	12	24	and	and	CCONJ
fbem-16432	12	25	investment	investment	NOUN
fbem-16432	12	26	and	and	CCONJ
fbem-16432	12	27	financing	financing	NOUN
fbem-16432	12	28	,	,	PUNCT
fbem-16432	12	29	and	and	CCONJ
fbem-16432	12	30	made	make	VERB
fbem-16432	12	31	it	it	PRON
fbem-16432	12	32	possible	possible	ADJ
fbem-16432	12	33	for	for	SCONJ
fbem-16432	12	34	families	family	NOUN
fbem-16432	12	35	in	in	ADP
fbem-16432	12	36	remote	remote	ADJ
fbem-16432	12	37	areas	area	NOUN
fbem-16432	12	38	and	and	CCONJ
fbem-16432	12	39	low	low	ADJ
fbem-16432	12	40	-	-	PUNCT
fbem-16432	12	41	income	income	NOUN
fbem-16432	12	42	groups	group	NOUN
fbem-16432	12	43	to	to	PART
fbem-16432	12	44	allocate	allocate	VERB
fbem-16432	12	45	financial	financial	ADJ
fbem-16432	12	46	assets	asset	NOUN
fbem-16432	12	47	.	.	PUNCT
fbem-16432	13	1	the	the	DET
fbem-16432	13	2	emergence	emergence	NOUN
fbem-16432	13	3	of	of	ADP
fbem-16432	13	4	big	big	ADJ
fbem-16432	13	5	data	datum	NOUN
fbem-16432	13	6	platform	platform	NOUN
fbem-16432	13	7	alleviates	alleviate	VERB
fbem-16432	13	8	the	the	DET
fbem-16432	13	9	information	information	NOUN
fbem-16432	13	10	asymmetry	asymmetry	NOUN
fbem-16432	13	11	in	in	ADP
fbem-16432	13	12	the	the	DET
fbem-16432	13	13	process	process	NOUN
fbem-16432	13	14	of	of	ADP
fbem-16432	13	15	financial	financial	ADJ
fbem-16432	13	16	transactions	transaction	NOUN
fbem-16432	13	17	,	,	PUNCT
fbem-16432	13	18	and	and	CCONJ
fbem-16432	13	19	the	the	DET
fbem-16432	13	20	data	datum	NOUN
fbem-16432	13	21	and	and	CCONJ
fbem-16432	13	22	records	record	NOUN
fbem-16432	13	23	left	leave	VERB
fbem-16432	13	24	by	by	ADP
fbem-16432	13	25	the	the	DET
fbem-16432	13	26	household	household	NOUN
fbem-16432	13	27	financial	financial	ADJ
fbem-16432	13	28	asset	asset	NOUN
fbem-16432	13	29	allocation	allocation	NOUN
fbem-16432	13	30	process	process	NOUN
fbem-16432	13	31	enable	enable	VERB
fbem-16432	13	32	the	the	DET
fbem-16432	13	33	platform	platform	NOUN
fbem-16432	13	34	to	to	PART
fbem-16432	13	35	effectively	effectively	ADV
fbem-16432	13	36	prevent	prevent	VERB
fbem-16432	13	37	and	and	CCONJ
fbem-16432	13	38	control	control	NOUN
fbem-16432	13	39	risks	risk	NOUN
fbem-16432	13	40	,	,	PUNCT
fbem-16432	13	41	reducing	reduce	VERB
fbem-16432	13	42	the	the	DET
fbem-16432	13	43	possibility	possibility	NOUN
fbem-16432	13	44	of	of	ADP
fbem-16432	13	45	adverse	adverse	ADJ
fbem-16432	13	46	selection	selection	NOUN
fbem-16432	13	47	and	and	CCONJ
fbem-16432	13	48	moral	moral	ADJ
fbem-16432	13	49	hazard	hazard	NOUN
fbem-16432	13	50	.	.	PUNCT
fbem-16432	14	1	the	the	DET
fbem-16432	14	2	development	development	NOUN
fbem-16432	14	3	of	of	ADP
fbem-16432	14	4	third	third	ADJ
fbem-16432	14	5	-	-	PUNCT
fbem-16432	14	6	party	party	NOUN
fbem-16432	14	7	payment	payment	NOUN
fbem-16432	14	8	,	,	PUNCT
fbem-16432	14	9	online	online	ADJ
fbem-16432	14	10	loan	loan	NOUN
fbem-16432	14	11	,	,	PUNCT
fbem-16432	14	12	digital	digital	ADJ
fbem-16432	14	13	insurance	insurance	NOUN
fbem-16432	14	14	and	and	CCONJ
fbem-16432	14	15	other	other	ADJ
fbem-16432	14	16	businesses	business	NOUN
fbem-16432	14	17	is	be	AUX
fbem-16432	14	18	a	a	DET
fbem-16432	14	19	great	great	ADJ
fbem-16432	14	20	innovation	innovation	NOUN
fbem-16432	14	21	to	to	ADP
fbem-16432	14	22	traditional	traditional	ADJ
fbem-16432	14	23	financial	financial	ADJ
fbem-16432	14	24	products	product	NOUN
fbem-16432	14	25	.	.	PUNCT
fbem-16432	15	1	at	at	ADP
fbem-16432	15	2	the	the	DET
fbem-16432	15	3	same	same	ADJ
fbem-16432	15	4	time	time	NOUN
fbem-16432	15	5	,	,	PUNCT
fbem-16432	15	6	digital	digital	ADJ
fbem-16432	15	7	finance	finance	NOUN
fbem-16432	15	8	also	also	ADV
fbem-16432	15	9	brings	bring	VERB
fbem-16432	15	10	new	new	ADJ
fbem-16432	15	11	risks	risk	NOUN
fbem-16432	15	12	and	and	CCONJ
fbem-16432	15	13	challenges	challenge	NOUN
fbem-16432	15	14	,	,	PUNCT
fbem-16432	15	15	such	such	ADJ
fbem-16432	15	16	as	as	ADP
fbem-16432	15	17	information	information	NOUN
fbem-16432	15	18	security	security	NOUN
fbem-16432	15	19	,	,	PUNCT
fbem-16432	15	20	privacy	privacy	NOUN
fbem-16432	15	21	protection	protection	NOUN
fbem-16432	15	22	,	,	PUNCT
fbem-16432	15	23	and	and	CCONJ
fbem-16432	15	24	market	market	NOUN
fbem-16432	15	25	fluctuations	fluctuation	NOUN
fbem-16432	15	26	.	.	PUNCT
fbem-16432	16	1	therefore	therefore	ADV
fbem-16432	16	2	,	,	PUNCT
fbem-16432	16	3	in	in	ADP
fbem-16432	16	4	-	-	PUNCT
fbem-16432	16	5	depth	depth	NOUN
fbem-16432	16	6	research	research	NOUN
fbem-16432	16	7	on	on	ADP
fbem-16432	16	8	the	the	DET
fbem-16432	16	9	impact	impact	NOUN
fbem-16432	16	10	of	of	ADP
fbem-16432	16	11	digital	digital	ADJ
fbem-16432	16	12	finance	finance	NOUN
fbem-16432	16	13	on	on	ADP
fbem-16432	16	14	household	household	NOUN
fbem-16432	16	15	financial	financial	ADJ
fbem-16432	16	16	asset	asset	NOUN
fbem-16432	16	17	allocation	allocation	NOUN
fbem-16432	16	18	has	have	VERB
fbem-16432	16	19	important	important	ADJ
fbem-16432	16	20	practical	practical	ADJ
fbem-16432	16	21	significance	significance	NOUN
fbem-16432	16	22	for	for	ADP
fbem-16432	16	23	guiding	guide	VERB
fbem-16432	16	24	family	family	NOUN
fbem-16432	16	25	investors	investor	NOUN
fbem-16432	16	26	to	to	PART
fbem-16432	16	27	allocate	allocate	VERB
fbem-16432	16	28	assets	asset	NOUN
fbem-16432	16	29	reasonably	reasonably	ADV
fbem-16432	16	30	and	and	CCONJ
fbem-16432	16	31	improve	improve	VERB
fbem-16432	16	32	risk	risk	NOUN
fbem-16432	16	33	control	control	NOUN
fbem-16432	16	34	ability	ability	NOUN
fbem-16432	16	35	.	.	PUNCT
fbem-16432	17	1	2	2	X
fbem-16432	17	2	.	.	X
fbem-16432	17	3	research	research	NOUN
fbem-16432	17	4	background	background	NOUN
fbem-16432	17	5	in	in	ADP
fbem-16432	17	6	the	the	DET
fbem-16432	17	7	field	field	NOUN
fbem-16432	17	8	of	of	ADP
fbem-16432	17	9	family	family	NOUN
fbem-16432	17	10	finance	finance	NOUN
fbem-16432	17	11	research	research	NOUN
fbem-16432	17	12	,	,	PUNCT
fbem-16432	17	13	family	family	NOUN
fbem-16432	17	14	financial	financial	ADJ
fbem-16432	17	15	asset	asset	NOUN
fbem-16432	17	16	allocation	allocation	NOUN
fbem-16432	17	17	behavior	behavior	NOUN
fbem-16432	17	18	is	be	AUX
fbem-16432	17	19	an	an	DET
fbem-16432	17	20	important	important	ADJ
fbem-16432	17	21	branch	branch	NOUN
fbem-16432	17	22	.	.	PUNCT
fbem-16432	18	1	existing	exist	VERB
fbem-16432	18	2	studies	study	NOUN
fbem-16432	18	3	on	on	ADP
fbem-16432	18	4	family	family	NOUN
fbem-16432	18	5	financial	financial	ADJ
fbem-16432	18	6	asset	asset	NOUN
fbem-16432	18	7	allocation	allocation	NOUN
fbem-16432	18	8	mainly	mainly	ADV
fbem-16432	18	9	focus	focus	VERB
fbem-16432	18	10	on	on	ADP
fbem-16432	18	11	the	the	DET
fbem-16432	18	12	internal	internal	ADJ
fbem-16432	18	13	and	and	CCONJ
fbem-16432	18	14	external	external	ADJ
fbem-16432	18	15	factors	factor	NOUN
fbem-16432	18	16	that	that	PRON
fbem-16432	18	17	affect	affect	VERB
fbem-16432	18	18	family	family	NOUN
fbem-16432	18	19	financial	financial	ADJ
fbem-16432	18	20	asset	asset	NOUN
fbem-16432	18	21	allocation	allocation	NOUN
fbem-16432	18	22	behavior	behavior	NOUN
fbem-16432	18	23	.	.	PUNCT
fbem-16432	19	1	internal	internal	ADJ
fbem-16432	19	2	factors	factor	NOUN
fbem-16432	19	3	include	include	VERB
fbem-16432	19	4	life	life	NOUN
fbem-16432	19	5	cycle	cycle	NOUN
fbem-16432	19	6	effects	effect	NOUN
fbem-16432	19	7	,	,	PUNCT
fbem-16432	19	8	income	income	NOUN
fbem-16432	19	9	levels	level	NOUN
fbem-16432	19	10	,	,	PUNCT
fbem-16432	19	11	wealth	wealth	NOUN
fbem-16432	19	12	effects	effect	NOUN
fbem-16432	19	13	,	,	PUNCT
fbem-16432	19	14	demographic	demographic	ADJ
fbem-16432	19	15	structure	structure	NOUN
fbem-16432	19	16	and	and	CCONJ
fbem-16432	19	17	characteristics	characteristic	NOUN
fbem-16432	19	18	(	(	PUNCT
fbem-16432	19	19	age	age	NOUN
fbem-16432	19	20	,	,	PUNCT
fbem-16432	19	21	gender	gender	NOUN
fbem-16432	19	22	,	,	PUNCT
fbem-16432	19	23	education	education	NOUN
fbem-16432	19	24	,	,	PUNCT
fbem-16432	19	25	etc	etc	X
fbem-16432	19	26	.	.	X
fbem-16432	19	27	)	)	PUNCT
fbem-16432	19	28	,	,	PUNCT
fbem-16432	19	29	financial	financial	ADJ
fbem-16432	19	30	literacy	literacy	NOUN
fbem-16432	19	31	,	,	PUNCT
fbem-16432	19	32	investment	investment	NOUN
fbem-16432	19	33	experience	experience	NOUN
fbem-16432	19	34	,	,	PUNCT
fbem-16432	19	35	and	and	CCONJ
fbem-16432	19	36	family	family	NOUN
fbem-16432	19	37	risk	risk	NOUN
fbem-16432	19	38	attitudes	attitude	NOUN
fbem-16432	19	39	,	,	PUNCT
fbem-16432	19	40	while	while	SCONJ
fbem-16432	19	41	external	external	ADJ
fbem-16432	19	42	factors	factor	NOUN
fbem-16432	19	43	include	include	VERB
fbem-16432	19	44	social	social	ADJ
fbem-16432	19	45	interaction	interaction	NOUN
fbem-16432	19	46	,	,	PUNCT
fbem-16432	19	47	social	social	ADJ
fbem-16432	19	48	trust	trust	NOUN
fbem-16432	19	49	,	,	PUNCT
fbem-16432	19	50	and	and	CCONJ
fbem-16432	19	51	other	other	ADJ
fbem-16432	19	52	macroeconomic	macroeconomic	ADJ
fbem-16432	19	53	factors	factor	NOUN
fbem-16432	19	54	.	.	PUNCT
fbem-16432	20	1	the	the	DET
fbem-16432	20	2	overall	overall	ADJ
fbem-16432	20	3	layout	layout	NOUN
fbem-16432	20	4	plan	plan	NOUN
fbem-16432	20	5	for	for	ADP
fbem-16432	20	6	the	the	DET
fbem-16432	20	7	construction	construction	NOUN
fbem-16432	20	8	of	of	ADP
fbem-16432	20	9	digital	digital	ADJ
fbem-16432	20	10	china	china	PROPN
fbem-16432	20	11	points	point	VERB
fbem-16432	20	12	out	out	ADP
fbem-16432	20	13	that	that	SCONJ
fbem-16432	20	14	the	the	DET
fbem-16432	20	15	digital	digital	ADJ
fbem-16432	20	16	process	process	NOUN
fbem-16432	20	17	plays	play	VERB
fbem-16432	20	18	an	an	DET
fbem-16432	20	19	important	important	ADJ
fbem-16432	20	20	role	role	NOUN
fbem-16432	20	21	in	in	ADP
fbem-16432	20	22	promoting	promote	VERB
fbem-16432	20	23	china	china	PROPN
fbem-16432	20	24	's	's	PART
fbem-16432	20	25	modernization	modernization	NOUN
fbem-16432	20	26	and	and	CCONJ
fbem-16432	20	27	plays	play	VERB
fbem-16432	20	28	an	an	DET
fbem-16432	20	29	important	important	ADJ
fbem-16432	20	30	supporting	support	VERB
fbem-16432	20	31	role	role	NOUN
fbem-16432	20	32	in	in	ADP
fbem-16432	20	33	building	build	VERB
fbem-16432	20	34	new	new	ADJ
fbem-16432	20	35	competitive	competitive	ADJ
fbem-16432	20	36	advantages	advantage	NOUN
fbem-16432	20	37	of	of	ADP
fbem-16432	20	38	the	the	DET
fbem-16432	20	39	country	country	NOUN
fbem-16432	20	40	.	.	PUNCT
fbem-16432	21	1	china	china	PROPN
fbem-16432	21	2	should	should	AUX
fbem-16432	21	3	accelerate	accelerate	VERB
fbem-16432	21	4	the	the	DET
fbem-16432	21	5	innovation	innovation	NOUN
fbem-16432	21	6	and	and	CCONJ
fbem-16432	21	7	application	application	NOUN
fbem-16432	21	8	of	of	ADP
fbem-16432	21	9	digital	digital	ADJ
fbem-16432	21	10	technologies	technology	NOUN
fbem-16432	21	11	in	in	ADP
fbem-16432	21	12	important	important	ADJ
fbem-16432	21	13	fields	field	NOUN
fbem-16432	21	14	such	such	ADJ
fbem-16432	21	15	as	as	ADP
fbem-16432	21	16	finance	finance	NOUN
fbem-16432	21	17	,	,	PUNCT
fbem-16432	21	18	agriculture	agriculture	NOUN
fbem-16432	21	19	,	,	PUNCT
fbem-16432	21	20	industry	industry	NOUN
fbem-16432	21	21	,	,	PUNCT
fbem-16432	21	22	medical	medical	ADJ
fbem-16432	21	23	care	care	NOUN
fbem-16432	21	24	and	and	CCONJ
fbem-16432	21	25	education	education	NOUN
fbem-16432	21	26	,	,	PUNCT
fbem-16432	21	27	promote	promote	VERB
fbem-16432	21	28	the	the	DET
fbem-16432	21	29	multifaceted	multifaceted	ADJ
fbem-16432	21	30	and	and	CCONJ
fbem-16432	21	31	allround	allround	ADJ
fbem-16432	21	32	integration	integration	NOUN
fbem-16432	21	33	of	of	ADP
fbem-16432	21	34	digital	digital	ADJ
fbem-16432	21	35	technologies	technology	NOUN
fbem-16432	21	36	with	with	ADP
fbem-16432	21	37	the	the	DET
fbem-16432	21	38	real	real	ADJ
fbem-16432	21	39	economy	economy	NOUN
fbem-16432	21	40	,	,	PUNCT
fbem-16432	21	41	and	and	CCONJ
fbem-16432	21	42	further	far	ADV
fbem-16432	21	43	improve	improve	VERB
fbem-16432	21	44	the	the	DET
fbem-16432	21	45	systematic	systematic	ADJ
fbem-16432	21	46	layout	layout	NOUN
fbem-16432	21	47	of	of	ADP
fbem-16432	21	48	digital	digital	PROPN
fbem-16432	21	49	china	china	PROPN
fbem-16432	21	50	construction	construction	PROPN
fbem-16432	21	51	.	.	PUNCT
fbem-16432	22	1	digital	digital	PROPN
fbem-16432	22	2	china	china	PROPN
fbem-16432	22	3	strategy	strategy	NOUN
fbem-16432	22	4	has	have	AUX
fbem-16432	22	5	penetrated	penetrate	VERB
fbem-16432	22	6	into	into	ADP
fbem-16432	22	7	all	all	DET
fbem-16432	22	8	aspects	aspect	NOUN
fbem-16432	22	9	of	of	ADP
fbem-16432	22	10	the	the	DET
fbem-16432	22	11	industry	industry	NOUN
fbem-16432	22	12	,	,	PUNCT
fbem-16432	22	13	and	and	CCONJ
fbem-16432	22	14	digital	digital	ADJ
fbem-16432	22	15	finance	finance	NOUN
fbem-16432	22	16	,	,	PUNCT
fbem-16432	22	17	as	as	ADP
fbem-16432	22	18	a	a	DET
fbem-16432	22	19	key	key	ADJ
fbem-16432	22	20	field	field	NOUN
fbem-16432	22	21	in	in	ADP
fbem-16432	22	22	the	the	DET
fbem-16432	22	23	construction	construction	NOUN
fbem-16432	22	24	of	of	ADP
fbem-16432	22	25	digital	digital	PROPN
fbem-16432	22	26	china	china	PROPN
fbem-16432	22	27	,	,	PUNCT
fbem-16432	22	28	is	be	AUX
fbem-16432	22	29	bound	bind	VERB
fbem-16432	22	30	to	to	PART
fbem-16432	22	31	have	have	VERB
fbem-16432	22	32	a	a	DET
fbem-16432	22	33	significant	significant	ADJ
fbem-16432	22	34	impact	impact	NOUN
fbem-16432	22	35	on	on	ADP
fbem-16432	22	36	the	the	DET
fbem-16432	22	37	traditional	traditional	ADJ
fbem-16432	22	38	household	household	NOUN
fbem-16432	22	39	financial	financial	ADJ
fbem-16432	22	40	asset	asset	NOUN
fbem-16432	22	41	allocation	allocation	NOUN
fbem-16432	22	42	behavior	behavior	NOUN
fbem-16432	22	43	.	.	PUNCT
fbem-16432	23	1	so	so	ADV
fbem-16432	23	2	what	what	PRON
fbem-16432	23	3	is	be	AUX
fbem-16432	23	4	the	the	DET
fbem-16432	23	5	specific	specific	ADJ
fbem-16432	23	6	impact	impact	NOUN
fbem-16432	23	7	of	of	ADP
fbem-16432	23	8	the	the	DET
fbem-16432	23	9	development	development	NOUN
fbem-16432	23	10	of	of	ADP
fbem-16432	23	11	digital	digital	ADJ
fbem-16432	23	12	finance	finance	NOUN
fbem-16432	23	13	as	as	ADP
fbem-16432	23	14	an	an	DET
fbem-16432	23	15	emerging	emerge	VERB
fbem-16432	23	16	thing	thing	NOUN
fbem-16432	23	17	on	on	ADP
fbem-16432	23	18	the	the	DET
fbem-16432	23	19	allocation	allocation	NOUN
fbem-16432	23	20	of	of	ADP
fbem-16432	23	21	household	household	NOUN
fbem-16432	23	22	risk	risk	NOUN
fbem-16432	23	23	financial	financial	ADJ
fbem-16432	23	24	assets	asset	NOUN
fbem-16432	23	25	?	?	PUNCT
fbem-16432	24	1	what	what	PRON
fbem-16432	24	2	are	be	AUX
fbem-16432	24	3	the	the	DET
fbem-16432	24	4	influencing	influence	VERB
fbem-16432	24	5	mechanisms	mechanism	NOUN
fbem-16432	24	6	?	?	PUNCT
fbem-16432	25	1	the	the	DET
fbem-16432	25	2	development	development	NOUN
fbem-16432	25	3	of	of	ADP
fbem-16432	25	4	digital	digital	ADJ
fbem-16432	25	5	finance	finance	NOUN
fbem-16432	25	6	has	have	AUX
fbem-16432	25	7	changed	change	VERB
fbem-16432	25	8	many	many	ADJ
fbem-16432	25	9	traditional	traditional	ADJ
fbem-16432	25	10	financial	financial	ADJ
fbem-16432	25	11	forms	form	NOUN
fbem-16432	25	12	,	,	PUNCT
fbem-16432	25	13	and	and	CCONJ
fbem-16432	25	14	it	it	PRON
fbem-16432	25	15	is	be	AUX
fbem-16432	25	16	selfevident	selfevident	NOUN
fbem-16432	25	17	that	that	SCONJ
fbem-16432	25	18	it	it	PRON
fbem-16432	25	19	is	be	AUX
fbem-16432	25	20	important	important	ADJ
fbem-16432	25	21	to	to	PART
fbem-16432	25	22	explore	explore	VERB
fbem-16432	25	23	the	the	DET
fbem-16432	25	24	impact	impact	NOUN
fbem-16432	25	25	of	of	ADP
fbem-16432	25	26	digital	digital	ADJ
fbem-16432	25	27	finance	finance	NOUN
fbem-16432	25	28	on	on	ADP
fbem-16432	25	29	household	household	NOUN
fbem-16432	25	30	financial	financial	ADJ
fbem-16432	25	31	asset	asset	NOUN
fbem-16432	25	32	allocation	allocation	NOUN
fbem-16432	25	33	.	.	PUNCT
fbem-16432	26	1	22	22	NUM
fbem-16432	26	2	3	3	NUM
fbem-16432	26	3	.	.	PUNCT
fbem-16432	26	4	literature	literature	NOUN
fbem-16432	26	5	review	review	NOUN
fbem-16432	26	6	at	at	ADP
fbem-16432	26	7	present	present	ADJ
fbem-16432	26	8	,	,	PUNCT
fbem-16432	26	9	there	there	PRON
fbem-16432	26	10	have	have	AUX
fbem-16432	26	11	been	be	AUX
fbem-16432	26	12	sufficient	sufficient	ADJ
fbem-16432	26	13	researches	research	NOUN
fbem-16432	26	14	on	on	ADP
fbem-16432	26	15	factors	factor	NOUN
fbem-16432	26	16	affecting	affect	VERB
fbem-16432	26	17	household	household	NOUN
fbem-16432	26	18	financial	financial	ADJ
fbem-16432	26	19	asset	asset	NOUN
fbem-16432	26	20	allocation	allocation	NOUN
fbem-16432	26	21	at	at	ADP
fbem-16432	26	22	home	home	NOUN
fbem-16432	26	23	and	and	CCONJ
fbem-16432	26	24	abroad	abroad	ADV
fbem-16432	26	25	,	,	PUNCT
fbem-16432	26	26	including	include	VERB
fbem-16432	26	27	internal	internal	ADJ
fbem-16432	26	28	factors	factor	NOUN
fbem-16432	26	29	such	such	ADJ
fbem-16432	26	30	as	as	ADP
fbem-16432	26	31	life	life	NOUN
fbem-16432	26	32	cycle	cycle	NOUN
fbem-16432	26	33	effect	effect	NOUN
fbem-16432	26	34	,	,	PUNCT
fbem-16432	26	35	wealth	wealth	NOUN
fbem-16432	26	36	effect	effect	NOUN
fbem-16432	26	37	,	,	PUNCT
fbem-16432	26	38	income	income	NOUN
fbem-16432	26	39	level	level	NOUN
fbem-16432	26	40	and	and	CCONJ
fbem-16432	26	41	liquidity	liquidity	NOUN
fbem-16432	26	42	constraints	constraint	NOUN
fbem-16432	26	43	,	,	PUNCT
fbem-16432	26	44	population	population	NOUN
fbem-16432	26	45	structure	structure	NOUN
fbem-16432	26	46	and	and	CCONJ
fbem-16432	26	47	characteristics	characteristic	NOUN
fbem-16432	26	48	,	,	PUNCT
fbem-16432	26	49	financial	financial	ADJ
fbem-16432	26	50	literacy	literacy	NOUN
fbem-16432	26	51	,	,	PUNCT
fbem-16432	26	52	investment	investment	NOUN
fbem-16432	26	53	experience	experience	NOUN
fbem-16432	26	54	and	and	CCONJ
fbem-16432	26	55	family	family	NOUN
fbem-16432	26	56	risk	risk	NOUN
fbem-16432	26	57	attitude	attitude	NOUN
fbem-16432	26	58	,	,	PUNCT
fbem-16432	26	59	as	as	ADV
fbem-16432	26	60	well	well	ADV
fbem-16432	26	61	as	as	ADP
fbem-16432	26	62	external	external	ADJ
fbem-16432	26	63	factors	factor	NOUN
fbem-16432	26	64	such	such	ADJ
fbem-16432	26	65	as	as	ADP
fbem-16432	26	66	social	social	ADJ
fbem-16432	26	67	interaction	interaction	NOUN
fbem-16432	26	68	and	and	CCONJ
fbem-16432	26	69	social	social	ADJ
fbem-16432	26	70	trust	trust	NOUN
fbem-16432	26	71	.	.	PUNCT
fbem-16432	27	1	internal	internal	ADJ
fbem-16432	27	2	factors	factor	NOUN
fbem-16432	27	3	guiso	guiso	PROPN
fbem-16432	27	4	,	,	PUNCT
fbem-16432	27	5	haliassos	haliassos	PROPN
fbem-16432	27	6	and	and	CCONJ
fbem-16432	27	7	jappelli	jappelli	PROPN
fbem-16432	27	8	studied	study	VERB
fbem-16432	27	9	household	household	NOUN
fbem-16432	27	10	financial	financial	ADJ
fbem-16432	27	11	asset	asset	NOUN
fbem-16432	27	12	selection	selection	NOUN
fbem-16432	27	13	in	in	ADP
fbem-16432	27	14	some	some	DET
fbem-16432	27	15	european	european	ADJ
fbem-16432	27	16	and	and	CCONJ
fbem-16432	27	17	american	american	ADJ
fbem-16432	27	18	countries	country	NOUN
fbem-16432	27	19	and	and	CCONJ
fbem-16432	27	20	found	find	VERB
fbem-16432	27	21	that	that	SCONJ
fbem-16432	27	22	household	household	NOUN
fbem-16432	27	23	asset	asset	NOUN
fbem-16432	27	24	selection	selection	NOUN
fbem-16432	27	25	has	have	VERB
fbem-16432	27	26	a	a	DET
fbem-16432	27	27	life	life	NOUN
fbem-16432	27	28	cycle	cycle	NOUN
fbem-16432	27	29	effect	effect	NOUN
fbem-16432	27	30	.	.	PUNCT
fbem-16432	28	1	with	with	ADP
fbem-16432	28	2	the	the	DET
fbem-16432	28	3	increase	increase	NOUN
fbem-16432	28	4	of	of	ADP
fbem-16432	28	5	residents	resident	NOUN
fbem-16432	28	6	'	'	PART
fbem-16432	28	7	age	age	NOUN
fbem-16432	28	8	,	,	PUNCT
fbem-16432	28	9	the	the	DET
fbem-16432	28	10	holding	hold	VERB
fbem-16432	28	11	ratio	ratio	NOUN
fbem-16432	28	12	of	of	ADP
fbem-16432	28	13	risky	risky	ADJ
fbem-16432	28	14	assets	asset	NOUN
fbem-16432	28	15	presents	present	VERB
fbem-16432	28	16	a	a	DET
fbem-16432	28	17	"	"	PUNCT
fbem-16432	28	18	bell	bell	NOUN
fbem-16432	28	19	shape	shape	NOUN
fbem-16432	28	20	"	"	PUNCT
fbem-16432	28	21	and	and	CCONJ
fbem-16432	28	22	the	the	DET
fbem-16432	28	23	participation	participation	NOUN
fbem-16432	28	24	ratio	ratio	NOUN
fbem-16432	28	25	of	of	ADP
fbem-16432	28	26	risk	risk	NOUN
fbem-16432	28	27	-	-	PUNCT
fbem-16432	28	28	free	free	ADJ
fbem-16432	28	29	assets	asset	NOUN
fbem-16432	28	30	market	market	NOUN
fbem-16432	28	31	presents	present	VERB
fbem-16432	28	32	a	a	DET
fbem-16432	28	33	"	"	PUNCT
fbem-16432	28	34	u	u	NOUN
fbem-16432	28	35	-	-	NOUN
fbem-16432	28	36	shape	shape	NOUN
fbem-16432	28	37	"	"	PUNCT
fbem-16432	28	38	.	.	PUNCT
fbem-16432	29	1	campell	campell	PROPN
fbem-16432	29	2	's	's	PART
fbem-16432	29	3	research	research	NOUN
fbem-16432	29	4	finds	find	VERB
fbem-16432	29	5	that	that	SCONJ
fbem-16432	29	6	with	with	ADP
fbem-16432	29	7	the	the	DET
fbem-16432	29	8	continuous	continuous	ADJ
fbem-16432	29	9	improvement	improvement	NOUN
fbem-16432	29	10	of	of	ADP
fbem-16432	29	11	family	family	NOUN
fbem-16432	29	12	wealth	wealth	NOUN
fbem-16432	29	13	,	,	PUNCT
fbem-16432	29	14	the	the	DET
fbem-16432	29	15	tendency	tendency	NOUN
fbem-16432	29	16	to	to	PART
fbem-16432	29	17	participate	participate	VERB
fbem-16432	29	18	in	in	ADP
fbem-16432	29	19	the	the	DET
fbem-16432	29	20	financial	financial	ADJ
fbem-16432	29	21	market	market	NOUN
fbem-16432	29	22	and	and	CCONJ
fbem-16432	29	23	the	the	DET
fbem-16432	29	24	proportion	proportion	NOUN
fbem-16432	29	25	of	of	ADP
fbem-16432	29	26	allocation	allocation	NOUN
fbem-16432	29	27	of	of	ADP
fbem-16432	29	28	financial	financial	ADJ
fbem-16432	29	29	assets	asset	NOUN
fbem-16432	29	30	will	will	AUX
fbem-16432	29	31	also	also	ADV
fbem-16432	29	32	increase	increase	VERB
fbem-16432	29	33	correspondingly	correspondingly	ADV
fbem-16432	29	34	,	,	PUNCT
fbem-16432	29	35	and	and	CCONJ
fbem-16432	29	36	the	the	DET
fbem-16432	29	37	investment	investment	NOUN
fbem-16432	29	38	objects	object	NOUN
fbem-16432	29	39	of	of	ADP
fbem-16432	29	40	families	family	NOUN
fbem-16432	29	41	with	with	ADP
fbem-16432	29	42	different	different	ADJ
fbem-16432	29	43	wealth	wealth	NOUN
fbem-16432	29	44	levels	level	NOUN
fbem-16432	29	45	also	also	ADV
fbem-16432	29	46	have	have	VERB
fbem-16432	29	47	obvious	obvious	ADJ
fbem-16432	29	48	differences	difference	NOUN
fbem-16432	29	49	.	.	PUNCT
fbem-16432	30	1	the	the	DET
fbem-16432	30	2	main	main	ADJ
fbem-16432	30	3	investment	investment	NOUN
fbem-16432	30	4	focus	focus	NOUN
fbem-16432	30	5	of	of	ADP
fbem-16432	30	6	low	low	ADJ
fbem-16432	30	7	-	-	PUNCT
fbem-16432	30	8	income	income	NOUN
fbem-16432	30	9	households	household	NOUN
fbem-16432	30	10	is	be	AUX
fbem-16432	30	11	the	the	DET
fbem-16432	30	12	financial	financial	ADJ
fbem-16432	30	13	assets	asset	NOUN
fbem-16432	30	14	with	with	ADP
fbem-16432	30	15	high	high	ADJ
fbem-16432	30	16	liquidity	liquidity	NOUN
fbem-16432	30	17	and	and	CCONJ
fbem-16432	30	18	high	high	ADJ
fbem-16432	30	19	security	security	NOUN
fbem-16432	30	20	;	;	PUNCT
fbem-16432	30	21	the	the	DET
fbem-16432	30	22	main	main	ADJ
fbem-16432	30	23	focus	focus	NOUN
fbem-16432	30	24	of	of	ADP
fbem-16432	30	25	the	the	DET
fbem-16432	30	26	middle	middle	ADJ
fbem-16432	30	27	class	class	NOUN
fbem-16432	30	28	investment	investment	NOUN
fbem-16432	30	29	is	be	AUX
fbem-16432	30	30	real	real	ADJ
fbem-16432	30	31	estate	estate	NOUN
fbem-16432	30	32	and	and	CCONJ
fbem-16432	30	33	other	other	ADJ
fbem-16432	30	34	fixed	fix	VERB
fbem-16432	30	35	assets	asset	NOUN
fbem-16432	30	36	;	;	PUNCT
fbem-16432	30	37	the	the	DET
fbem-16432	30	38	rich	rich	ADJ
fbem-16432	30	39	have	have	VERB
fbem-16432	30	40	a	a	DET
fbem-16432	30	41	wide	wide	ADJ
fbem-16432	30	42	range	range	NOUN
fbem-16432	30	43	of	of	ADP
fbem-16432	30	44	investments	investment	NOUN
fbem-16432	30	45	,	,	PUNCT
fbem-16432	30	46	but	but	CCONJ
fbem-16432	30	47	they	they	PRON
fbem-16432	30	48	are	be	AUX
fbem-16432	30	49	mainly	mainly	ADV
fbem-16432	30	50	concentrated	concentrate	VERB
fbem-16432	30	51	in	in	ADP
fbem-16432	30	52	equity	equity	NOUN
fbem-16432	30	53	assets	asset	NOUN
fbem-16432	30	54	.	.	PUNCT
fbem-16432	31	1	agnew	agnew	PROPN
fbem-16432	31	2	found	find	VERB
fbem-16432	31	3	that	that	SCONJ
fbem-16432	31	4	in	in	ADP
fbem-16432	31	5	addition	addition	NOUN
fbem-16432	31	6	to	to	ADP
fbem-16432	31	7	direct	direct	ADJ
fbem-16432	31	8	factors	factor	NOUN
fbem-16432	31	9	such	such	ADJ
fbem-16432	31	10	as	as	ADP
fbem-16432	31	11	income	income	NOUN
fbem-16432	31	12	and	and	CCONJ
fbem-16432	31	13	wealth	wealth	NOUN
fbem-16432	31	14	level	level	NOUN
fbem-16432	31	15	,	,	PUNCT
fbem-16432	31	16	demographic	demographic	ADJ
fbem-16432	31	17	characteristics	characteristic	NOUN
fbem-16432	31	18	such	such	ADJ
fbem-16432	31	19	as	as	ADP
fbem-16432	31	20	gender	gender	NOUN
fbem-16432	31	21	,	,	PUNCT
fbem-16432	31	22	health	health	NOUN
fbem-16432	31	23	level	level	NOUN
fbem-16432	31	24	and	and	CCONJ
fbem-16432	31	25	education	education	NOUN
fbem-16432	31	26	level	level	NOUN
fbem-16432	31	27	will	will	AUX
fbem-16432	31	28	also	also	ADV
fbem-16432	31	29	have	have	VERB
fbem-16432	31	30	a	a	DET
fbem-16432	31	31	significant	significant	ADJ
fbem-16432	31	32	impact	impact	NOUN
fbem-16432	31	33	on	on	ADP
fbem-16432	31	34	family	family	NOUN
fbem-16432	31	35	financial	financial	ADJ
fbem-16432	31	36	asset	asset	NOUN
fbem-16432	31	37	allocation	allocation	NOUN
fbem-16432	31	38	behavior	behavior	NOUN
fbem-16432	31	39	.	.	PUNCT
fbem-16432	32	1	for	for	ADP
fbem-16432	32	2	example	example	NOUN
fbem-16432	32	3	,	,	PUNCT
fbem-16432	32	4	healthy	healthy	ADJ
fbem-16432	32	5	people	people	NOUN
fbem-16432	32	6	have	have	VERB
fbem-16432	32	7	higher	high	ADJ
fbem-16432	32	8	preference	preference	NOUN
fbem-16432	32	9	and	and	CCONJ
fbem-16432	32	10	acceptance	acceptance	NOUN
fbem-16432	32	11	for	for	ADP
fbem-16432	32	12	high	high	ADJ
fbem-16432	32	13	-	-	PUNCT
fbem-16432	32	14	risk	risk	NOUN
fbem-16432	32	15	asset	asset	NOUN
fbem-16432	32	16	types	type	NOUN
fbem-16432	32	17	such	such	ADJ
fbem-16432	32	18	as	as	ADP
fbem-16432	32	19	stocks	stock	NOUN
fbem-16432	32	20	compared	compare	VERB
fbem-16432	32	21	with	with	ADP
fbem-16432	32	22	unhealthy	unhealthy	ADJ
fbem-16432	32	23	people	people	NOUN
fbem-16432	32	24	.	.	PUNCT
fbem-16432	33	1	bernheim	bernheim	PROPN
fbem-16432	33	2	's	's	PART
fbem-16432	33	3	study	study	NOUN
fbem-16432	33	4	found	find	VERB
fbem-16432	33	5	that	that	SCONJ
fbem-16432	33	6	the	the	DET
fbem-16432	33	7	level	level	NOUN
fbem-16432	33	8	of	of	ADP
fbem-16432	33	9	residents	resident	NOUN
fbem-16432	33	10	'	'	PART
fbem-16432	33	11	education	education	NOUN
fbem-16432	33	12	has	have	VERB
fbem-16432	33	13	a	a	DET
fbem-16432	33	14	significant	significant	ADJ
fbem-16432	33	15	impact	impact	NOUN
fbem-16432	33	16	on	on	ADP
fbem-16432	33	17	whether	whether	SCONJ
fbem-16432	33	18	they	they	PRON
fbem-16432	33	19	participate	participate	VERB
fbem-16432	33	20	in	in	ADP
fbem-16432	33	21	the	the	DET
fbem-16432	33	22	stock	stock	NOUN
fbem-16432	33	23	market	market	NOUN
fbem-16432	33	24	decision	decision	NOUN
fbem-16432	33	25	.	.	PUNCT
fbem-16432	34	1	poterba	poterba	NOUN
fbem-16432	34	2	j	j	PROPN
fbem-16432	34	3	m	m	VERB
fbem-16432	34	4	found	find	VERB
fbem-16432	34	5	that	that	SCONJ
fbem-16432	34	6	gender	gender	NOUN
fbem-16432	34	7	has	have	VERB
fbem-16432	34	8	a	a	DET
fbem-16432	34	9	significant	significant	ADJ
fbem-16432	34	10	impact	impact	NOUN
fbem-16432	34	11	on	on	ADP
fbem-16432	34	12	residents	resident	NOUN
fbem-16432	34	13	'	'	PART
fbem-16432	34	14	participation	participation	NOUN
fbem-16432	34	15	in	in	ADP
fbem-16432	34	16	the	the	DET
fbem-16432	34	17	stock	stock	NOUN
fbem-16432	34	18	market	market	NOUN
fbem-16432	34	19	.	.	PUNCT
fbem-16432	35	1	compared	compare	VERB
fbem-16432	35	2	with	with	ADP
fbem-16432	35	3	men	man	NOUN
fbem-16432	35	4	,	,	PUNCT
fbem-16432	35	5	women	woman	NOUN
fbem-16432	35	6	tend	tend	VERB
fbem-16432	35	7	to	to	PART
fbem-16432	35	8	be	be	AUX
fbem-16432	35	9	conservative	conservative	ADJ
fbem-16432	35	10	and	and	CCONJ
fbem-16432	35	11	cautious	cautious	ADJ
fbem-16432	35	12	in	in	ADP
fbem-16432	35	13	their	their	PRON
fbem-16432	35	14	risk	risk	NOUN
fbem-16432	35	15	attitude	attitude	NOUN
fbem-16432	35	16	,	,	PUNCT
fbem-16432	35	17	and	and	CCONJ
fbem-16432	35	18	men	man	NOUN
fbem-16432	35	19	are	be	AUX
fbem-16432	35	20	more	more	ADV
fbem-16432	35	21	inclined	inclined	ADJ
fbem-16432	35	22	to	to	PART
fbem-16432	35	23	participate	participate	VERB
fbem-16432	35	24	in	in	ADP
fbem-16432	35	25	the	the	DET
fbem-16432	35	26	stock	stock	NOUN
fbem-16432	35	27	market	market	NOUN
fbem-16432	35	28	.	.	PUNCT
fbem-16432	36	1	edwards	edwards	PROPN
fbem-16432	36	2	et	et	PROPN
fbem-16432	36	3	al	al	PROPN
fbem-16432	36	4	.	.	PROPN
fbem-16432	36	5	studied	study	VERB
fbem-16432	36	6	the	the	DET
fbem-16432	36	7	impact	impact	NOUN
fbem-16432	36	8	of	of	ADP
fbem-16432	36	9	health	health	NOUN
fbem-16432	36	10	on	on	ADP
fbem-16432	36	11	the	the	DET
fbem-16432	36	12	allocation	allocation	NOUN
fbem-16432	36	13	of	of	ADP
fbem-16432	36	14	risky	risky	ADJ
fbem-16432	36	15	financial	financial	ADJ
fbem-16432	36	16	assets	asset	NOUN
fbem-16432	36	17	,	,	PUNCT
fbem-16432	36	18	and	and	CCONJ
fbem-16432	36	19	the	the	DET
fbem-16432	36	20	results	result	NOUN
fbem-16432	36	21	showed	show	VERB
fbem-16432	36	22	that	that	SCONJ
fbem-16432	36	23	there	there	PRON
fbem-16432	36	24	was	be	VERB
fbem-16432	36	25	a	a	DET
fbem-16432	36	26	significant	significant	ADJ
fbem-16432	36	27	positive	positive	ADJ
fbem-16432	36	28	correlation	correlation	NOUN
fbem-16432	36	29	between	between	ADP
fbem-16432	36	30	residents	resident	NOUN
fbem-16432	36	31	'	'	PART
fbem-16432	36	32	physical	physical	ADJ
fbem-16432	36	33	health	health	NOUN
fbem-16432	36	34	and	and	CCONJ
fbem-16432	36	35	the	the	DET
fbem-16432	36	36	proportion	proportion	NOUN
fbem-16432	36	37	of	of	ADP
fbem-16432	36	38	risky	risky	ADJ
fbem-16432	36	39	assets	asset	NOUN
fbem-16432	36	40	held	hold	VERB
fbem-16432	36	41	.	.	PUNCT
fbem-16432	37	1	residents	resident	NOUN
fbem-16432	37	2	with	with	ADP
fbem-16432	37	3	higher	high	ADJ
fbem-16432	37	4	health	health	NOUN
fbem-16432	37	5	would	would	AUX
fbem-16432	37	6	allocate	allocate	VERB
fbem-16432	37	7	more	more	ADV
fbem-16432	37	8	risky	risky	ADJ
fbem-16432	37	9	financial	financial	ADJ
fbem-16432	37	10	assets	asset	NOUN
fbem-16432	37	11	such	such	ADJ
fbem-16432	37	12	as	as	ADP
fbem-16432	37	13	stocks	stock	NOUN
fbem-16432	37	14	,	,	PUNCT
fbem-16432	37	15	bonds	bond	NOUN
fbem-16432	37	16	and	and	CCONJ
fbem-16432	37	17	funds	fund	NOUN
fbem-16432	37	18	.	.	PUNCT
fbem-16432	38	1	residents	resident	NOUN
fbem-16432	38	2	in	in	ADP
fbem-16432	38	3	poor	poor	ADJ
fbem-16432	38	4	health	health	NOUN
fbem-16432	38	5	are	be	AUX
fbem-16432	38	6	more	more	ADV
fbem-16432	38	7	likely	likely	ADJ
fbem-16432	38	8	to	to	PART
fbem-16432	38	9	choose	choose	VERB
fbem-16432	38	10	risk	risk	NOUN
fbem-16432	38	11	-	-	PUNCT
fbem-16432	38	12	free	free	ADJ
fbem-16432	38	13	or	or	CCONJ
fbem-16432	38	14	low	low	ADJ
fbem-16432	38	15	-	-	PUNCT
fbem-16432	38	16	risk	risk	NOUN
fbem-16432	38	17	financial	financial	ADJ
fbem-16432	38	18	assets	asset	NOUN
fbem-16432	38	19	.	.	PUNCT
fbem-16432	39	1	rooij	rooij	NOUN
fbem-16432	39	2	et	et	PROPN
fbem-16432	39	3	al	al	PROPN
fbem-16432	39	4	.	.	PROPN
fbem-16432	39	5	found	find	VERB
fbem-16432	39	6	that	that	SCONJ
fbem-16432	39	7	the	the	DET
fbem-16432	39	8	lack	lack	NOUN
fbem-16432	39	9	of	of	ADP
fbem-16432	39	10	financial	financial	ADJ
fbem-16432	39	11	knowledge	knowledge	NOUN
fbem-16432	39	12	restricted	restrict	VERB
fbem-16432	39	13	families	family	NOUN
fbem-16432	39	14	'	'	PART
fbem-16432	39	15	participation	participation	NOUN
fbem-16432	39	16	in	in	ADP
fbem-16432	39	17	the	the	DET
fbem-16432	39	18	stock	stock	NOUN
fbem-16432	39	19	market	market	NOUN
fbem-16432	39	20	,	,	PUNCT
fbem-16432	39	21	resulting	result	VERB
fbem-16432	39	22	in	in	ADP
fbem-16432	39	23	families	family	NOUN
fbem-16432	39	24	often	often	ADV
fbem-16432	39	25	making	make	VERB
fbem-16432	39	26	wrong	wrong	ADJ
fbem-16432	39	27	investment	investment	NOUN
fbem-16432	39	28	decisions	decision	NOUN
fbem-16432	39	29	blindly	blindly	ADV
fbem-16432	39	30	.	.	PUNCT
fbem-16432	40	1	hong	hong	PROPN
fbem-16432	40	2	et	et	PROPN
fbem-16432	40	3	al	al	PROPN
fbem-16432	40	4	.	.	PROPN
fbem-16432	40	5	,	,	PUNCT
fbem-16432	40	6	guiso	guiso	PROPN
fbem-16432	40	7	and	and	CCONJ
fbem-16432	40	8	paiella	paiella	PROPN
fbem-16432	40	9	,	,	PUNCT
fbem-16432	40	10	guiso	guiso	PROPN
fbem-16432	40	11	et	et	PROPN
fbem-16432	40	12	al	al	PROPN
fbem-16432	40	13	.	.	PROPN
fbem-16432	40	14	based	base	VERB
fbem-16432	40	15	on	on	ADP
fbem-16432	40	16	the	the	DET
fbem-16432	40	17	resident	resident	ADJ
fbem-16432	40	18	investment	investment	NOUN
fbem-16432	40	19	data	datum	NOUN
fbem-16432	40	20	of	of	ADP
fbem-16432	40	21	the	the	DET
fbem-16432	40	22	united	united	PROPN
fbem-16432	40	23	states	states	PROPN
fbem-16432	40	24	,	,	PUNCT
fbem-16432	40	25	italy	italy	PROPN
fbem-16432	40	26	and	and	CCONJ
fbem-16432	40	27	the	the	DET
fbem-16432	40	28	netherlands	netherlands	PROPN
fbem-16432	40	29	,	,	PUNCT
fbem-16432	40	30	it	it	PRON
fbem-16432	40	31	is	be	AUX
fbem-16432	40	32	found	find	VERB
fbem-16432	40	33	that	that	SCONJ
fbem-16432	40	34	the	the	DET
fbem-16432	40	35	higher	high	ADJ
fbem-16432	40	36	degree	degree	NOUN
fbem-16432	40	37	of	of	ADP
fbem-16432	40	38	risk	risk	NOUN
fbem-16432	40	39	aversion	aversion	NOUN
fbem-16432	40	40	of	of	ADP
fbem-16432	40	41	residents	resident	NOUN
fbem-16432	40	42	leads	lead	VERB
fbem-16432	40	43	to	to	ADP
fbem-16432	40	44	the	the	DET
fbem-16432	40	45	lower	low	ADJ
fbem-16432	40	46	possibility	possibility	NOUN
fbem-16432	40	47	of	of	ADP
fbem-16432	40	48	participation	participation	NOUN
fbem-16432	40	49	in	in	ADP
fbem-16432	40	50	the	the	DET
fbem-16432	40	51	stock	stock	NOUN
fbem-16432	40	52	market	market	NOUN
fbem-16432	40	53	.	.	PUNCT
fbem-16432	41	1	external	external	ADJ
fbem-16432	41	2	factors	factor	NOUN
fbem-16432	41	3	it	it	PRON
fbem-16432	41	4	is	be	AUX
fbem-16432	41	5	found	find	VERB
fbem-16432	41	6	that	that	SCONJ
fbem-16432	41	7	social	social	ADJ
fbem-16432	41	8	trust	trust	NOUN
fbem-16432	41	9	and	and	CCONJ
fbem-16432	41	10	social	social	ADJ
fbem-16432	41	11	interaction	interaction	NOUN
fbem-16432	41	12	,	,	PUNCT
fbem-16432	41	13	transaction	transaction	NOUN
fbem-16432	41	14	costs	cost	NOUN
fbem-16432	41	15	and	and	CCONJ
fbem-16432	41	16	other	other	ADJ
fbem-16432	41	17	macroeconomic	macroeconomic	ADJ
fbem-16432	41	18	factors	factor	NOUN
fbem-16432	41	19	have	have	VERB
fbem-16432	41	20	a	a	DET
fbem-16432	41	21	certain	certain	ADJ
fbem-16432	41	22	impact	impact	NOUN
fbem-16432	41	23	on	on	ADP
fbem-16432	41	24	household	household	NOUN
fbem-16432	41	25	financial	financial	ADJ
fbem-16432	41	26	asset	asset	NOUN
fbem-16432	41	27	allocation	allocation	NOUN
fbem-16432	41	28	behavior	behavior	NOUN
fbem-16432	41	29	.	.	PUNCT
fbem-16432	42	1	according	accord	VERB
fbem-16432	42	2	to	to	ADP
fbem-16432	42	3	the	the	DET
fbem-16432	42	4	social	social	ADJ
fbem-16432	42	5	trust	trust	NOUN
fbem-16432	42	6	theory	theory	NOUN
fbem-16432	42	7	,	,	PUNCT
fbem-16432	42	8	the	the	DET
fbem-16432	42	9	behaviors	behavior	NOUN
fbem-16432	42	10	and	and	CCONJ
fbem-16432	42	11	decisions	decision	NOUN
fbem-16432	42	12	of	of	ADP
fbem-16432	42	13	residents	resident	NOUN
fbem-16432	42	14	participating	participate	VERB
fbem-16432	42	15	in	in	ADP
fbem-16432	42	16	the	the	DET
fbem-16432	42	17	stock	stock	NOUN
fbem-16432	42	18	market	market	NOUN
fbem-16432	42	19	are	be	AUX
fbem-16432	42	20	closely	closely	ADV
fbem-16432	42	21	related	relate	VERB
fbem-16432	42	22	to	to	ADP
fbem-16432	42	23	the	the	DET
fbem-16432	42	24	degree	degree	NOUN
fbem-16432	42	25	of	of	ADP
fbem-16432	42	26	trust	trust	NOUN
fbem-16432	42	27	of	of	ADP
fbem-16432	42	28	residents	resident	NOUN
fbem-16432	42	29	,	,	PUNCT
fbem-16432	42	30	and	and	CCONJ
fbem-16432	42	31	residents	resident	NOUN
fbem-16432	42	32	with	with	ADP
fbem-16432	42	33	a	a	DET
fbem-16432	42	34	higher	high	ADJ
fbem-16432	42	35	degree	degree	NOUN
fbem-16432	42	36	of	of	ADP
fbem-16432	42	37	trust	trust	NOUN
fbem-16432	42	38	are	be	AUX
fbem-16432	42	39	more	more	ADV
fbem-16432	42	40	willing	willing	ADJ
fbem-16432	42	41	to	to	PART
fbem-16432	42	42	invest	invest	VERB
fbem-16432	42	43	in	in	ADP
fbem-16432	42	44	stocks	stock	NOUN
fbem-16432	42	45	and	and	CCONJ
fbem-16432	42	46	participate	participate	VERB
fbem-16432	42	47	in	in	ADP
fbem-16432	42	48	the	the	DET
fbem-16432	42	49	stock	stock	NOUN
fbem-16432	42	50	market	market	NOUN
fbem-16432	42	51	.	.	PUNCT
fbem-16432	43	1	guiso	guiso	PROPN
fbem-16432	43	2	et	et	PROPN
fbem-16432	43	3	al	al	PROPN
fbem-16432	43	4	.	.	PROPN
fbem-16432	43	5	proposed	propose	VERB
fbem-16432	43	6	that	that	SCONJ
fbem-16432	43	7	the	the	DET
fbem-16432	43	8	proportion	proportion	NOUN
fbem-16432	43	9	of	of	ADP
fbem-16432	43	10	stocks	stock	NOUN
fbem-16432	43	11	in	in	ADP
fbem-16432	43	12	residents	resident	NOUN
fbem-16432	43	13	'	'	PART
fbem-16432	43	14	assets	asset	NOUN
fbem-16432	43	15	would	would	AUX
fbem-16432	43	16	be	be	AUX
fbem-16432	43	17	higher	high	ADJ
fbem-16432	43	18	in	in	ADP
fbem-16432	43	19	areas	area	NOUN
fbem-16432	43	20	with	with	ADP
fbem-16432	43	21	higher	high	ADJ
fbem-16432	43	22	levels	level	NOUN
fbem-16432	43	23	of	of	ADP
fbem-16432	43	24	trust	trust	NOUN
fbem-16432	43	25	.	.	PUNCT
fbem-16432	44	1	durlurf	durlurf	PROPN
fbem-16432	44	2	proposed	propose	VERB
fbem-16432	44	3	partner	partner	NOUN
fbem-16432	44	4	group	group	NOUN
fbem-16432	44	5	effect	effect	NOUN
fbem-16432	44	6	,	,	PUNCT
fbem-16432	44	7	that	that	ADV
fbem-16432	44	8	is	is	ADV
fbem-16432	44	9	,	,	PUNCT
fbem-16432	44	10	the	the	DET
fbem-16432	44	11	behavior	behavior	NOUN
fbem-16432	44	12	of	of	ADP
fbem-16432	44	13	residents	resident	NOUN
fbem-16432	44	14	participating	participate	VERB
fbem-16432	44	15	in	in	ADP
fbem-16432	44	16	the	the	DET
fbem-16432	44	17	stock	stock	NOUN
fbem-16432	44	18	market	market	NOUN
fbem-16432	44	19	is	be	AUX
fbem-16432	44	20	affected	affect	VERB
fbem-16432	44	21	by	by	ADP
fbem-16432	44	22	the	the	DET
fbem-16432	44	23	results	result	NOUN
fbem-16432	44	24	of	of	ADP
fbem-16432	44	25	other	other	ADJ
fbem-16432	44	26	individuals	individual	NOUN
fbem-16432	44	27	'	'	PART
fbem-16432	44	28	stock	stock	NOUN
fbem-16432	44	29	investment	investment	NOUN
fbem-16432	44	30	.	.	PUNCT
fbem-16432	45	1	hong	hong	PROPN
fbem-16432	45	2	et	et	PROPN
fbem-16432	45	3	al	al	PROPN
fbem-16432	45	4	.	.	PROPN
fbem-16432	45	5	found	find	VERB
fbem-16432	45	6	that	that	SCONJ
fbem-16432	45	7	residents	resident	NOUN
fbem-16432	45	8	with	with	ADP
fbem-16432	45	9	a	a	DET
fbem-16432	45	10	higher	high	ADJ
fbem-16432	45	11	degree	degree	NOUN
fbem-16432	45	12	of	of	ADP
fbem-16432	45	13	social	social	ADJ
fbem-16432	45	14	interaction	interaction	NOUN
fbem-16432	45	15	were	be	AUX
fbem-16432	45	16	more	more	ADV
fbem-16432	45	17	likely	likely	ADJ
fbem-16432	45	18	to	to	PART
fbem-16432	45	19	participate	participate	VERB
fbem-16432	45	20	in	in	ADP
fbem-16432	45	21	the	the	DET
fbem-16432	45	22	stock	stock	NOUN
fbem-16432	45	23	market	market	NOUN
fbem-16432	45	24	for	for	ADP
fbem-16432	45	25	investment	investment	NOUN
fbem-16432	45	26	.	.	PUNCT
fbem-16432	46	1	some	some	DET
fbem-16432	46	2	other	other	ADJ
fbem-16432	46	3	scholars	scholar	NOUN
fbem-16432	46	4	study	study	VERB
fbem-16432	46	5	household	household	NOUN
fbem-16432	46	6	financial	financial	ADJ
fbem-16432	46	7	asset	asset	NOUN
fbem-16432	46	8	allocation	allocation	NOUN
fbem-16432	46	9	behavior	behavior	NOUN
fbem-16432	46	10	from	from	ADP
fbem-16432	46	11	the	the	DET
fbem-16432	46	12	perspective	perspective	NOUN
fbem-16432	46	13	of	of	ADP
fbem-16432	46	14	transaction	transaction	NOUN
fbem-16432	46	15	costs	cost	NOUN
fbem-16432	46	16	,	,	PUNCT
fbem-16432	46	17	and	and	CCONJ
fbem-16432	46	18	believe	believe	VERB
fbem-16432	46	19	that	that	SCONJ
fbem-16432	46	20	high	high	ADJ
fbem-16432	46	21	financial	financial	ADJ
fbem-16432	46	22	transaction	transaction	NOUN
fbem-16432	46	23	costs	cost	NOUN
fbem-16432	46	24	caused	cause	VERB
fbem-16432	46	25	by	by	ADP
fbem-16432	46	26	market	market	NOUN
fbem-16432	46	27	friction	friction	NOUN
fbem-16432	46	28	may	may	AUX
fbem-16432	46	29	be	be	AUX
fbem-16432	46	30	an	an	DET
fbem-16432	46	31	important	important	ADJ
fbem-16432	46	32	reason	reason	NOUN
fbem-16432	46	33	for	for	ADP
fbem-16432	46	34	the	the	DET
fbem-16432	46	35	limited	limited	ADJ
fbem-16432	46	36	participation	participation	NOUN
fbem-16432	46	37	of	of	ADP
fbem-16432	46	38	households	household	NOUN
fbem-16432	46	39	in	in	ADP
fbem-16432	46	40	the	the	DET
fbem-16432	46	41	financial	financial	ADJ
fbem-16432	46	42	market	market	NOUN
fbem-16432	46	43	,	,	PUNCT
fbem-16432	46	44	because	because	SCONJ
fbem-16432	46	45	the	the	PRON
fbem-16432	46	46	higher	high	ADJ
fbem-16432	46	47	the	the	DET
fbem-16432	46	48	degree	degree	NOUN
fbem-16432	46	49	of	of	ADP
fbem-16432	46	50	social	social	ADJ
fbem-16432	46	51	interaction	interaction	NOUN
fbem-16432	46	52	of	of	ADP
fbem-16432	46	53	residents	resident	NOUN
fbem-16432	46	54	,	,	PUNCT
fbem-16432	46	55	the	the	PRON
fbem-16432	46	56	greater	great	ADJ
fbem-16432	46	57	the	the	DET
fbem-16432	46	58	possibility	possibility	NOUN
fbem-16432	46	59	of	of	ADP
fbem-16432	46	60	learning	learn	VERB
fbem-16432	46	61	financial	financial	ADJ
fbem-16432	46	62	knowledge	knowledge	NOUN
fbem-16432	46	63	through	through	ADP
fbem-16432	46	64	observation	observation	NOUN
fbem-16432	46	65	and	and	CCONJ
fbem-16432	46	66	communication	communication	NOUN
fbem-16432	46	67	,	,	PUNCT
fbem-16432	46	68	and	and	CCONJ
fbem-16432	46	69	the	the	PRON
fbem-16432	46	70	higher	high	ADJ
fbem-16432	46	71	the	the	DET
fbem-16432	46	72	probability	probability	NOUN
fbem-16432	46	73	of	of	ADP
fbem-16432	46	74	participating	participate	VERB
fbem-16432	46	75	in	in	ADP
fbem-16432	46	76	the	the	DET
fbem-16432	46	77	financial	financial	ADJ
fbem-16432	46	78	market	market	NOUN
fbem-16432	46	79	.	.	PUNCT
fbem-16432	47	1	yin	yin	PROPN
fbem-16432	47	2	zhichao	zhichao	PROPN
fbem-16432	47	3	et	et	PROPN
fbem-16432	47	4	al	al	PROPN
fbem-16432	47	5	.	.	PROPN
fbem-16432	47	6	conducted	conduct	VERB
fbem-16432	47	7	research	research	NOUN
fbem-16432	47	8	from	from	ADP
fbem-16432	47	9	the	the	DET
fbem-16432	47	10	perspective	perspective	NOUN
fbem-16432	47	11	of	of	ADP
fbem-16432	47	12	financial	financial	ADJ
fbem-16432	47	13	availability	availability	NOUN
fbem-16432	47	14	and	and	CCONJ
fbem-16432	47	15	limited	limited	ADJ
fbem-16432	47	16	participation	participation	NOUN
fbem-16432	47	17	opportunities	opportunity	NOUN
fbem-16432	47	18	,	,	PUNCT
fbem-16432	47	19	and	and	CCONJ
fbem-16432	47	20	found	find	VERB
fbem-16432	47	21	that	that	SCONJ
fbem-16432	47	22	the	the	PRON
fbem-16432	47	23	higher	high	ADJ
fbem-16432	47	24	the	the	DET
fbem-16432	47	25	financial	financial	ADJ
fbem-16432	47	26	availability	availability	NOUN
fbem-16432	47	27	,	,	PUNCT
fbem-16432	47	28	the	the	DET
fbem-16432	47	29	more	more	ADV
fbem-16432	47	30	willing	willing	ADJ
fbem-16432	47	31	households	household	NOUN
fbem-16432	47	32	are	be	AUX
fbem-16432	47	33	to	to	PART
fbem-16432	47	34	participate	participate	VERB
fbem-16432	47	35	in	in	ADP
fbem-16432	47	36	the	the	DET
fbem-16432	47	37	formal	formal	ADJ
fbem-16432	47	38	financial	financial	ADJ
fbem-16432	47	39	market	market	NOUN
fbem-16432	47	40	and	and	CCONJ
fbem-16432	47	41	conduct	conduct	VERB
fbem-16432	47	42	asset	asset	NOUN
fbem-16432	47	43	allocation	allocation	NOUN
fbem-16432	47	44	.	.	PUNCT
fbem-16432	48	1	some	some	DET
fbem-16432	48	2	other	other	ADJ
fbem-16432	48	3	scholars	scholar	NOUN
fbem-16432	48	4	explain	explain	VERB
fbem-16432	48	5	the	the	DET
fbem-16432	48	6	impact	impact	NOUN
fbem-16432	48	7	on	on	ADP
fbem-16432	48	8	household	household	NOUN
fbem-16432	48	9	financial	financial	ADJ
fbem-16432	48	10	asset	asset	NOUN
fbem-16432	48	11	allocation	allocation	NOUN
fbem-16432	48	12	from	from	ADP
fbem-16432	48	13	the	the	DET
fbem-16432	48	14	perspective	perspective	NOUN
fbem-16432	48	15	of	of	ADP
fbem-16432	48	16	macroeconomic	macroeconomic	ADJ
fbem-16432	48	17	factors	factor	NOUN
fbem-16432	48	18	.	.	PUNCT
fbem-16432	49	1	for	for	ADP
fbem-16432	49	2	example	example	NOUN
fbem-16432	49	3	,	,	PUNCT
fbem-16432	49	4	liu	liu	PROPN
fbem-16432	49	5	yulin	yulin	PROPN
fbem-16432	49	6	and	and	CCONJ
fbem-16432	49	7	zheng	zheng	PROPN
fbem-16432	49	8	xiaochen	xiaochen	PROPN
fbem-16432	49	9	find	find	VERB
fbem-16432	49	10	that	that	SCONJ
fbem-16432	49	11	inflation	inflation	NOUN
fbem-16432	49	12	will	will	AUX
fbem-16432	49	13	affect	affect	VERB
fbem-16432	49	14	the	the	DET
fbem-16432	49	15	stock	stock	NOUN
fbem-16432	49	16	risk	risk	NOUN
fbem-16432	49	17	premium	premium	NOUN
fbem-16432	49	18	,	,	PUNCT
fbem-16432	49	19	and	and	CCONJ
fbem-16432	49	20	then	then	ADV
fbem-16432	49	21	affect	affect	VERB
fbem-16432	49	22	the	the	DET
fbem-16432	49	23	proportion	proportion	NOUN
fbem-16432	49	24	of	of	ADP
fbem-16432	49	25	various	various	ADJ
fbem-16432	49	26	assets	asset	NOUN
fbem-16432	49	27	in	in	ADP
fbem-16432	49	28	the	the	DET
fbem-16432	49	29	optimal	optimal	ADJ
fbem-16432	49	30	asset	asset	NOUN
fbem-16432	49	31	portfolio	portfolio	NOUN
fbem-16432	49	32	.	.	PUNCT
fbem-16432	50	1	using	use	VERB
fbem-16432	50	2	chfs	chfs	NOUN
fbem-16432	50	3	data	datum	NOUN
fbem-16432	50	4	,	,	PUNCT
fbem-16432	50	5	lu	lu	PROPN
fbem-16432	50	6	xiaomeng	xiaomeng	PROPN
fbem-16432	50	7	et	et	PROPN
fbem-16432	50	8	al	al	PROPN
fbem-16432	50	9	.	.	PROPN
fbem-16432	50	10	found	find	VERB
fbem-16432	50	11	that	that	SCONJ
fbem-16432	50	12	the	the	DET
fbem-16432	50	13	development	development	NOUN
fbem-16432	50	14	of	of	ADP
fbem-16432	50	15	regional	regional	ADJ
fbem-16432	50	16	finance	finance	NOUN
fbem-16432	50	17	would	would	AUX
fbem-16432	50	18	have	have	VERB
fbem-16432	50	19	a	a	DET
fbem-16432	50	20	positive	positive	ADJ
fbem-16432	50	21	impact	impact	NOUN
fbem-16432	50	22	on	on	ADP
fbem-16432	50	23	household	household	NOUN
fbem-16432	50	24	investment	investment	NOUN
fbem-16432	50	25	,	,	PUNCT
fbem-16432	50	26	make	make	VERB
fbem-16432	50	27	households	household	NOUN
fbem-16432	50	28	invest	invest	VERB
fbem-16432	50	29	more	more	ADV
fbem-16432	50	30	rationally	rationally	ADV
fbem-16432	50	31	,	,	PUNCT
fbem-16432	50	32	and	and	CCONJ
fbem-16432	50	33	improve	improve	VERB
fbem-16432	50	34	the	the	DET
fbem-16432	50	35	diversification	diversification	NOUN
fbem-16432	50	36	of	of	ADP
fbem-16432	50	37	household	household	NOUN
fbem-16432	50	38	investment	investment	NOUN
fbem-16432	50	39	portfolios	portfolio	NOUN
fbem-16432	50	40	.	.	PUNCT
fbem-16432	51	1	at	at	ADP
fbem-16432	51	2	present	present	ADJ
fbem-16432	51	3	,	,	PUNCT
fbem-16432	51	4	the	the	DET
fbem-16432	51	5	research	research	NOUN
fbem-16432	51	6	on	on	ADP
fbem-16432	51	7	digital	digital	ADJ
fbem-16432	51	8	finance	finance	NOUN
fbem-16432	51	9	at	at	ADP
fbem-16432	51	10	home	home	NOUN
fbem-16432	51	11	and	and	CCONJ
fbem-16432	51	12	abroad	abroad	ADV
fbem-16432	51	13	mainly	mainly	ADV
fbem-16432	51	14	focuses	focus	VERB
fbem-16432	51	15	on	on	ADP
fbem-16432	51	16	its	its	PRON
fbem-16432	51	17	role	role	NOUN
fbem-16432	51	18	in	in	ADP
fbem-16432	51	19	economic	economic	ADJ
fbem-16432	51	20	growth	growth	NOUN
fbem-16432	51	21	,	,	PUNCT
fbem-16432	51	22	wealth	wealth	NOUN
fbem-16432	51	23	accumulation	accumulation	NOUN
fbem-16432	51	24	and	and	CCONJ
fbem-16432	51	25	narrowing	narrow	VERB
fbem-16432	51	26	the	the	DET
fbem-16432	51	27	gap	gap	NOUN
fbem-16432	51	28	between	between	ADP
fbem-16432	51	29	the	the	DET
fbem-16432	51	30	rich	rich	ADJ
fbem-16432	51	31	and	and	CCONJ
fbem-16432	51	32	the	the	DET
fbem-16432	51	33	poor	poor	ADJ
fbem-16432	51	34	.	.	PUNCT
fbem-16432	52	1	beck	beck	PROPN
fbem-16432	52	2	et	et	PROPN
fbem-16432	52	3	al	al	PROPN
fbem-16432	52	4	.	.	PROPN
fbem-16432	52	5	found	find	VERB
fbem-16432	52	6	that	that	SCONJ
fbem-16432	52	7	digital	digital	ADJ
fbem-16432	52	8	finance	finance	NOUN
fbem-16432	52	9	can	can	AUX
fbem-16432	52	10	significantly	significantly	ADV
fbem-16432	52	11	promote	promote	VERB
fbem-16432	52	12	economic	economic	ADJ
fbem-16432	52	13	growth	growth	NOUN
fbem-16432	52	14	.	.	PUNCT
fbem-16432	53	1	using	use	VERB
fbem-16432	53	2	data	datum	NOUN
fbem-16432	53	3	from	from	ADP
fbem-16432	53	4	the	the	DET
fbem-16432	53	5	2017	2017	NUM
fbem-16432	53	6	china	china	PROPN
fbem-16432	53	7	household	household	NOUN
fbem-16432	53	8	finance	finance	NOUN
fbem-16432	53	9	survey	survey	NOUN
fbem-16432	53	10	,	,	PUNCT
fbem-16432	53	11	qiangguo	qiangguo	ADJ
fbem-16432	53	12	linghe	linghe	NOUN
fbem-16432	53	13	mall	mall	NOUN
fbem-16432	53	14	conducted	conduct	VERB
fbem-16432	53	15	empirical	empirical	ADJ
fbem-16432	53	16	research	research	NOUN
fbem-16432	53	17	and	and	CCONJ
fbem-16432	53	18	found	find	VERB
fbem-16432	53	19	that	that	SCONJ
fbem-16432	53	20	digital	digital	ADJ
fbem-16432	53	21	finance	finance	NOUN
fbem-16432	53	22	is	be	AUX
fbem-16432	53	23	conducive	conducive	ADJ
fbem-16432	53	24	to	to	ADP
fbem-16432	53	25	achieving	achieve	VERB
fbem-16432	53	26	common	common	ADJ
fbem-16432	53	27	prosperity	prosperity	NOUN
fbem-16432	53	28	.	.	PUNCT
fbem-16432	54	1	some	some	DET
fbem-16432	54	2	scholars	scholar	NOUN
fbem-16432	54	3	also	also	ADV
fbem-16432	54	4	pointed	point	VERB
fbem-16432	54	5	out	out	ADP
fbem-16432	54	6	that	that	SCONJ
fbem-16432	54	7	the	the	DET
fbem-16432	54	8	development	development	NOUN
fbem-16432	54	9	of	of	ADP
fbem-16432	54	10	digital	digital	ADJ
fbem-16432	54	11	finance	finance	NOUN
fbem-16432	54	12	has	have	AUX
fbem-16432	54	13	exacerbated	exacerbate	VERB
fbem-16432	54	14	the	the	DET
fbem-16432	54	15	digital	digital	ADJ
fbem-16432	54	16	divide	divide	NOUN
fbem-16432	54	17	to	to	ADP
fbem-16432	54	18	some	some	DET
fbem-16432	54	19	extent	extent	NOUN
fbem-16432	54	20	,	,	PUNCT
fbem-16432	54	21	resulting	result	VERB
fbem-16432	54	22	in	in	ADP
fbem-16432	54	23	residents	resident	NOUN
fbem-16432	54	24	without	without	ADP
fbem-16432	54	25	access	access	NOUN
fbem-16432	54	26	to	to	ADP
fbem-16432	54	27	the	the	DET
fbem-16432	54	28	internet	internet	NOUN
fbem-16432	54	29	,	,	PUNCT
fbem-16432	54	30	poor	poor	ADJ
fbem-16432	54	31	economic	economic	ADJ
fbem-16432	54	32	conditions	condition	NOUN
fbem-16432	54	33	,	,	PUNCT
fbem-16432	54	34	and	and	CCONJ
fbem-16432	54	35	less	less	ADV
fbem-16432	54	36	educated	educate	VERB
fbem-16432	54	37	people	people	NOUN
fbem-16432	54	38	may	may	AUX
fbem-16432	54	39	be	be	AUX
fbem-16432	54	40	further	far	ADV
fbem-16432	54	41	marginalized	marginalize	VERB
fbem-16432	54	42	.	.	PUNCT
fbem-16432	55	1	research	research	NOUN
fbem-16432	55	2	directions	direction	NOUN
fbem-16432	55	3	of	of	ADP
fbem-16432	55	4	digital	digital	ADJ
fbem-16432	55	5	finance	finance	NOUN
fbem-16432	55	6	at	at	ADP
fbem-16432	55	7	the	the	DET
fbem-16432	55	8	micro	micro	ADJ
fbem-16432	55	9	level	level	NOUN
fbem-16432	55	10	include	include	VERB
fbem-16432	55	11	employment	employment	NOUN
fbem-16432	55	12	,	,	PUNCT
fbem-16432	55	13	entrepreneurship	entrepreneurship	NOUN
fbem-16432	55	14	,	,	PUNCT
fbem-16432	55	15	consumption	consumption	NOUN
fbem-16432	55	16	and	and	CCONJ
fbem-16432	55	17	financing	financing	NOUN
fbem-16432	55	18	.	.	PUNCT
fbem-16432	56	1	some	some	DET
fbem-16432	56	2	scholars	scholar	NOUN
fbem-16432	56	3	have	have	AUX
fbem-16432	56	4	found	find	VERB
fbem-16432	56	5	that	that	SCONJ
fbem-16432	56	6	the	the	DET
fbem-16432	56	7	development	development	NOUN
fbem-16432	56	8	of	of	ADP
fbem-16432	56	9	digital	digital	ADJ
fbem-16432	56	10	finance	finance	NOUN
fbem-16432	56	11	has	have	AUX
fbem-16432	56	12	promoted	promote	VERB
fbem-16432	56	13	residents	resident	NOUN
fbem-16432	56	14	'	'	PART
fbem-16432	56	15	employment	employment	NOUN
fbem-16432	56	16	,	,	PUNCT
fbem-16432	56	17	entrepreneurship	entrepreneurship	NOUN
fbem-16432	56	18	and	and	CCONJ
fbem-16432	56	19	consumption	consumption	NOUN
fbem-16432	56	20	behaviors	behavior	NOUN
fbem-16432	56	21	,	,	PUNCT
fbem-16432	56	22	while	while	SCONJ
fbem-16432	56	23	the	the	DET
fbem-16432	56	24	characteristics	characteristic	NOUN
fbem-16432	56	25	of	of	ADP
fbem-16432	56	26	digital	digital	ADJ
fbem-16432	56	27	finance	finance	NOUN
fbem-16432	56	28	breaking	break	VERB
fbem-16432	56	29	geographical	geographical	ADJ
fbem-16432	56	30	restrictions	restriction	NOUN
fbem-16432	56	31	have	have	AUX
fbem-16432	56	32	alleviated	alleviate	VERB
fbem-16432	56	33	financial	financial	ADJ
fbem-16432	56	34	exclusion	exclusion	NOUN
fbem-16432	56	35	and	and	CCONJ
fbem-16432	56	36	financing	financing	NOUN
fbem-16432	56	37	constraints	constraint	NOUN
fbem-16432	56	38	,	,	PUNCT
fbem-16432	56	39	and	and	CCONJ
fbem-16432	56	40	increased	increase	VERB
fbem-16432	56	41	the	the	DET
fbem-16432	56	42	convenience	convenience	NOUN
fbem-16432	56	43	of	of	ADP
fbem-16432	56	44	financing	financing	NOUN
fbem-16432	56	45	.	.	PUNCT
fbem-16432	57	1	4	4	X
fbem-16432	57	2	.	.	X
fbem-16432	57	3	relevant	relevant	ADJ
fbem-16432	57	4	theories	theory	NOUN
fbem-16432	57	5	(	(	PUNCT
fbem-16432	57	6	1	1	NUM
fbem-16432	57	7	)	)	PUNCT
fbem-16432	57	8	asset	asset	NOUN
fbem-16432	57	9	portfolio	portfolio	NOUN
fbem-16432	57	10	theory	theory	NOUN
fbem-16432	57	11	portfolio	portfolio	NOUN
fbem-16432	57	12	theory	theory	NOUN
fbem-16432	57	13	began	begin	VERB
fbem-16432	57	14	in	in	ADP
fbem-16432	57	15	the	the	DET
fbem-16432	57	16	1950s	1950	NOUN
fbem-16432	57	17	with	with	ADP
fbem-16432	57	18	the	the	DET
fbem-16432	57	19	publication	publication	NOUN
fbem-16432	57	20	of	of	ADP
fbem-16432	57	21	an	an	DET
fbem-16432	57	22	academic	academic	ADJ
fbem-16432	57	23	paper	paper	NOUN
fbem-16432	57	24	titled	title	VERB
fbem-16432	57	25	asset	asset	NOUN
fbem-16432	57	26	selection	selection	NOUN
fbem-16432	57	27	by	by	ADP
fbem-16432	57	28	american	american	ADJ
fbem-16432	57	29	economist	economist	PROPN
fbem-16432	57	30	markowits	markowit	NOUN
fbem-16432	57	31	in	in	ADP
fbem-16432	57	32	1952	1952	NUM
fbem-16432	57	33	.	.	PUNCT
fbem-16432	58	1	the	the	DET
fbem-16432	58	2	effective	effective	ADJ
fbem-16432	58	3	diversification	diversification	NOUN
fbem-16432	58	4	of	of	ADP
fbem-16432	58	5	investment	investment	NOUN
fbem-16432	58	6	systematically	systematically	ADV
fbem-16432	58	7	discusses	discuss	VERB
fbem-16432	58	8	the	the	DET
fbem-16432	58	9	problem	problem	NOUN
fbem-16432	58	10	of	of	ADP
fbem-16432	58	11	asset	asset	NOUN
fbem-16432	58	12	portfolio	portfolio	NOUN
fbem-16432	58	13	and	and	CCONJ
fbem-16432	58	14	selection	selection	NOUN
fbem-16432	58	15	.	.	PUNCT
fbem-16432	59	1	the	the	DET
fbem-16432	59	2	research	research	NOUN
fbem-16432	59	3	holds	hold	VERB
fbem-16432	59	4	that	that	SCONJ
fbem-16432	59	5	the	the	DET
fbem-16432	59	6	optimal	optimal	ADJ
fbem-16432	59	7	investment	investment	NOUN
fbem-16432	59	8	portfolio	portfolio	NOUN
fbem-16432	59	9	should	should	AUX
fbem-16432	59	10	be	be	AUX
fbem-16432	59	11	the	the	DET
fbem-16432	59	12	tangent	tangent	ADJ
fbem-16432	59	13	point	point	NOUN
fbem-16432	59	14	between	between	ADP
fbem-16432	59	15	the	the	DET
fbem-16432	59	16	indifference	indifference	NOUN
fbem-16432	59	17	curve	curve	NOUN
fbem-16432	59	18	of	of	ADP
fbem-16432	59	19	risk	risk	NOUN
fbem-16432	59	20	aversion	aversion	NOUN
fbem-16432	59	21	and	and	CCONJ
fbem-16432	59	22	the	the	DET
fbem-16432	59	23	effective	effective	ADJ
fbem-16432	59	24	boundary	boundary	NOUN
fbem-16432	59	25	of	of	ADP
fbem-16432	59	26	assets	asset	NOUN
fbem-16432	59	27	.	.	PUNCT
fbem-16432	60	1	by	by	ADP
fbem-16432	60	2	effectively	effectively	ADV
fbem-16432	60	3	balancing	balance	VERB
fbem-16432	60	4	returns	return	NOUN
fbem-16432	60	5	and	and	CCONJ
fbem-16432	60	6	risks	risk	NOUN
fbem-16432	60	7	,	,	PUNCT
fbem-16432	60	8	investors	investor	NOUN
fbem-16432	60	9	can	can	AUX
fbem-16432	60	10	find	find	VERB
fbem-16432	60	11	the	the	DET
fbem-16432	60	12	optimal	optimal	ADJ
fbem-16432	60	13	investment	investment	NOUN
fbem-16432	60	14	weight	weight	NOUN
fbem-16432	60	15	and	and	CCONJ
fbem-16432	60	16	establish	establish	VERB
fbem-16432	60	17	an	an	DET
fbem-16432	60	18	ideal	ideal	ADJ
fbem-16432	60	19	23	23	NUM
fbem-16432	60	20	investment	investment	NOUN
fbem-16432	60	21	portfolio	portfolio	NOUN
fbem-16432	60	22	.	.	PUNCT
fbem-16432	61	1	on	on	ADP
fbem-16432	61	2	this	this	DET
fbem-16432	61	3	basis	basis	NOUN
fbem-16432	61	4	,	,	PUNCT
fbem-16432	61	5	william	william	PROPN
fbem-16432	61	6	sharpe	sharpe	PROPN
fbem-16432	61	7	proposed	propose	VERB
fbem-16432	61	8	a	a	DET
fbem-16432	61	9	single	single	ADJ
fbem-16432	61	10	index	index	NOUN
fbem-16432	61	11	model	model	NOUN
fbem-16432	61	12	to	to	PART
fbem-16432	61	13	simplify	simplify	VERB
fbem-16432	61	14	the	the	DET
fbem-16432	61	15	solution	solution	NOUN
fbem-16432	61	16	process	process	NOUN
fbem-16432	61	17	.	.	PUNCT
fbem-16432	62	1	he	he	PRON
fbem-16432	62	2	assumed	assume	VERB
fbem-16432	62	3	that	that	SCONJ
fbem-16432	62	4	the	the	DET
fbem-16432	62	5	market	market	NOUN
fbem-16432	62	6	was	be	AUX
fbem-16432	62	7	in	in	ADP
fbem-16432	62	8	equilibrium	equilibrium	NOUN
fbem-16432	62	9	and	and	CCONJ
fbem-16432	62	10	investors	investor	NOUN
fbem-16432	62	11	were	be	AUX
fbem-16432	62	12	rational	rational	ADJ
fbem-16432	62	13	,	,	PUNCT
fbem-16432	62	14	and	and	CCONJ
fbem-16432	62	15	described	describe	VERB
fbem-16432	62	16	the	the	DET
fbem-16432	62	17	relationship	relationship	NOUN
fbem-16432	62	18	between	between	ADP
fbem-16432	62	19	the	the	DET
fbem-16432	62	20	expected	expect	VERB
fbem-16432	62	21	rate	rate	NOUN
fbem-16432	62	22	of	of	ADP
fbem-16432	62	23	return	return	NOUN
fbem-16432	62	24	and	and	CCONJ
fbem-16432	62	25	standard	standard	ADJ
fbem-16432	62	26	deviation	deviation	NOUN
fbem-16432	62	27	of	of	ADP
fbem-16432	62	28	the	the	DET
fbem-16432	62	29	effective	effective	ADJ
fbem-16432	62	30	portfolio	portfolio	NOUN
fbem-16432	62	31	as	as	ADP
fbem-16432	62	32	a	a	DET
fbem-16432	62	33	simple	simple	ADJ
fbem-16432	62	34	linear	linear	NOUN
fbem-16432	62	35	relationship	relationship	NOUN
fbem-16432	62	36	.	.	PUNCT
fbem-16432	63	1	ross	ross	PROPN
fbem-16432	63	2	proposed	propose	VERB
fbem-16432	63	3	the	the	DET
fbem-16432	63	4	arbitrage	arbitrage	NOUN
fbem-16432	63	5	pricing	pricing	NOUN
fbem-16432	63	6	theory	theory	NOUN
fbem-16432	63	7	(	(	PUNCT
fbem-16432	63	8	apt	apt	ADJ
fbem-16432	63	9	)	)	PUNCT
fbem-16432	63	10	,	,	PUNCT
fbem-16432	63	11	which	which	PRON
fbem-16432	63	12	argues	argue	VERB
fbem-16432	63	13	that	that	SCONJ
fbem-16432	63	14	the	the	DET
fbem-16432	63	15	expected	expect	VERB
fbem-16432	63	16	return	return	NOUN
fbem-16432	63	17	of	of	ADP
fbem-16432	63	18	an	an	DET
fbem-16432	63	19	asset	asset	NOUN
fbem-16432	63	20	presents	present	VERB
fbem-16432	63	21	a	a	DET
fbem-16432	63	22	linear	linear	ADJ
fbem-16432	63	23	correlation	correlation	NOUN
fbem-16432	63	24	with	with	ADP
fbem-16432	63	25	a	a	DET
fbem-16432	63	26	set	set	NOUN
fbem-16432	63	27	of	of	ADP
fbem-16432	63	28	multiple	multiple	ADJ
fbem-16432	63	29	factors	factor	NOUN
fbem-16432	63	30	.	.	PUNCT
fbem-16432	64	1	merton	merton	PROPN
fbem-16432	64	2	proposed	propose	VERB
fbem-16432	64	3	the	the	DET
fbem-16432	64	4	dynamic	dynamic	ADJ
fbem-16432	64	5	asset	asset	NOUN
fbem-16432	64	6	allocation	allocation	NOUN
fbem-16432	64	7	model	model	NOUN
fbem-16432	64	8	in	in	ADP
fbem-16432	64	9	his	his	PRON
fbem-16432	64	10	1969	1969	NUM
fbem-16432	64	11	paper	paper	NOUN
fbem-16432	64	12	lifetime	lifetime	NOUN
fbem-16432	64	13	portfolio	portfolio	NOUN
fbem-16432	64	14	selection	selection	NOUN
fbem-16432	64	15	by	by	ADP
fbem-16432	64	16	dynamic	dynamic	ADJ
fbem-16432	64	17	stochastic	stochastic	ADJ
fbem-16432	64	18	programming	programming	NOUN
fbem-16432	64	19	,	,	PUNCT
fbem-16432	64	20	which	which	PRON
fbem-16432	64	21	applies	apply	VERB
fbem-16432	64	22	life	life	NOUN
fbem-16432	64	23	cycle	cycle	NOUN
fbem-16432	64	24	to	to	ADP
fbem-16432	64	25	asset	asset	NOUN
fbem-16432	64	26	portfolio	portfolio	NOUN
fbem-16432	64	27	theory	theory	NOUN
fbem-16432	64	28	.	.	PUNCT
fbem-16432	65	1	the	the	DET
fbem-16432	65	2	theory	theory	NOUN
fbem-16432	65	3	of	of	ADP
fbem-16432	65	4	oneperiod	oneperiod	NOUN
fbem-16432	65	5	portfolio	portfolio	NOUN
fbem-16432	65	6	began	begin	VERB
fbem-16432	65	7	to	to	PART
fbem-16432	65	8	develop	develop	VERB
fbem-16432	65	9	into	into	ADP
fbem-16432	65	10	the	the	DET
fbem-16432	65	11	theory	theory	NOUN
fbem-16432	65	12	of	of	ADP
fbem-16432	65	13	interperiod	interperiod	NOUN
fbem-16432	65	14	portfolio	portfolio	NOUN
fbem-16432	65	15	.	.	PUNCT
fbem-16432	66	1	(	(	PUNCT
fbem-16432	66	2	2	2	X
fbem-16432	66	3	)	)	PUNCT
fbem-16432	66	4	financial	financial	ADJ
fbem-16432	66	5	exclusion	exclusion	NOUN
fbem-16432	66	6	theory	theory	NOUN
fbem-16432	66	7	the	the	DET
fbem-16432	66	8	theory	theory	NOUN
fbem-16432	66	9	of	of	ADP
fbem-16432	66	10	financial	financial	ADJ
fbem-16432	66	11	exclusion	exclusion	NOUN
fbem-16432	66	12	originated	originate	VERB
fbem-16432	66	13	in	in	ADP
fbem-16432	66	14	the	the	DET
fbem-16432	66	15	1990s	1990	NOUN
fbem-16432	66	16	and	and	CCONJ
fbem-16432	66	17	initially	initially	ADV
fbem-16432	66	18	focused	focus	VERB
fbem-16432	66	19	on	on	ADP
fbem-16432	66	20	the	the	DET
fbem-16432	66	21	geographical	geographical	ADJ
fbem-16432	66	22	orientation	orientation	NOUN
fbem-16432	66	23	of	of	ADP
fbem-16432	66	24	financial	financial	ADJ
fbem-16432	66	25	institutions	institution	NOUN
fbem-16432	66	26	and	and	CCONJ
fbem-16432	66	27	services	service	NOUN
fbem-16432	66	28	.	.	PUNCT
fbem-16432	67	1	today	today	NOUN
fbem-16432	67	2	,	,	PUNCT
fbem-16432	67	3	the	the	DET
fbem-16432	67	4	theory	theory	NOUN
fbem-16432	67	5	refers	refer	VERB
fbem-16432	67	6	to	to	ADP
fbem-16432	67	7	a	a	DET
fbem-16432	67	8	segment	segment	NOUN
fbem-16432	67	9	of	of	ADP
fbem-16432	67	10	society	society	NOUN
fbem-16432	67	11	that	that	PRON
fbem-16432	67	12	lacks	lack	VERB
fbem-16432	67	13	the	the	DET
fbem-16432	67	14	ability	ability	NOUN
fbem-16432	67	15	to	to	PART
fbem-16432	67	16	access	access	VERB
fbem-16432	67	17	the	the	DET
fbem-16432	67	18	financial	financial	ADJ
fbem-16432	67	19	system	system	NOUN
fbem-16432	67	20	or	or	CCONJ
fbem-16432	67	21	access	access	NOUN
fbem-16432	67	22	necessary	necessary	ADJ
fbem-16432	67	23	financial	financial	ADJ
fbem-16432	67	24	services	service	NOUN
fbem-16432	67	25	in	in	ADP
fbem-16432	67	26	an	an	DET
fbem-16432	67	27	appropriate	appropriate	ADJ
fbem-16432	67	28	manner	manner	NOUN
fbem-16432	67	29	.	.	PUNCT
fbem-16432	68	1	financial	financial	ADJ
fbem-16432	68	2	exclusion	exclusion	NOUN
fbem-16432	68	3	is	be	AUX
fbem-16432	68	4	usually	usually	ADV
fbem-16432	68	5	manifested	manifest	VERB
fbem-16432	68	6	as	as	ADP
fbem-16432	68	7	difficulty	difficulty	NOUN
fbem-16432	68	8	in	in	ADP
fbem-16432	68	9	financing	financing	NOUN
fbem-16432	68	10	,	,	PUNCT
fbem-16432	68	11	lack	lack	NOUN
fbem-16432	68	12	of	of	ADP
fbem-16432	68	13	financial	financial	ADJ
fbem-16432	68	14	services	service	NOUN
fbem-16432	68	15	,	,	PUNCT
fbem-16432	68	16	lack	lack	NOUN
fbem-16432	68	17	of	of	ADP
fbem-16432	68	18	financial	financial	ADJ
fbem-16432	68	19	knowledge	knowledge	NOUN
fbem-16432	68	20	,	,	PUNCT
fbem-16432	68	21	etc	etc	X
fbem-16432	68	22	.	.	X
fbem-16432	68	23	kempson	kempson	PROPN
fbem-16432	68	24	,	,	PUNCT
fbem-16432	68	25	whyley(1999a,1999b	whyley(1999a,1999b	NOUN
fbem-16432	68	26	)	)	PUNCT
fbem-16432	68	27	and	and	CCONJ
fbem-16432	68	28	sarma(2010	sarma(2010	NOUN
fbem-16432	68	29	)	)	PUNCT
fbem-16432	68	30	put	put	VERB
fbem-16432	68	31	forward	forward	ADV
fbem-16432	68	32	six	six	NUM
fbem-16432	68	33	dimensional	dimensional	ADJ
fbem-16432	68	34	indicators	indicator	NOUN
fbem-16432	68	35	to	to	PART
fbem-16432	68	36	determine	determine	VERB
fbem-16432	68	37	financial	financial	ADJ
fbem-16432	68	38	exclusion	exclusion	NOUN
fbem-16432	68	39	,	,	PUNCT
fbem-16432	68	40	one	one	PRON
fbem-16432	68	41	is	be	AUX
fbem-16432	68	42	geographical	geographical	ADJ
fbem-16432	68	43	exclusion	exclusion	NOUN
fbem-16432	68	44	.	.	PUNCT
fbem-16432	69	1	that	that	PRON
fbem-16432	69	2	is	is	ADV
fbem-16432	69	3	,	,	PUNCT
fbem-16432	69	4	the	the	DET
fbem-16432	69	5	inability	inability	NOUN
fbem-16432	69	6	of	of	ADP
fbem-16432	69	7	certain	certain	ADJ
fbem-16432	69	8	regions	region	NOUN
fbem-16432	69	9	or	or	CCONJ
fbem-16432	69	10	groups	group	NOUN
fbem-16432	69	11	to	to	PART
fbem-16432	69	12	access	access	VERB
fbem-16432	69	13	financial	financial	ADJ
fbem-16432	69	14	services	service	NOUN
fbem-16432	69	15	may	may	AUX
fbem-16432	69	16	be	be	AUX
fbem-16432	69	17	due	due	ADJ
fbem-16432	69	18	to	to	ADP
fbem-16432	69	19	geographical	geographical	ADJ
fbem-16432	69	20	remoteness	remoteness	NOUN
fbem-16432	69	21	,	,	PUNCT
fbem-16432	69	22	inconvenient	inconvenient	ADJ
fbem-16432	69	23	transportation	transportation	NOUN
fbem-16432	69	24	,	,	PUNCT
fbem-16432	69	25	lack	lack	NOUN
fbem-16432	69	26	of	of	ADP
fbem-16432	69	27	financial	financial	ADJ
fbem-16432	69	28	institutions	institution	NOUN
fbem-16432	69	29	,	,	PUNCT
fbem-16432	69	30	etc	etc	X
fbem-16432	69	31	.	.	X
fbem-16432	70	1	the	the	DET
fbem-16432	70	2	second	second	NOUN
fbem-16432	70	3	is	be	AUX
fbem-16432	70	4	appraisal	appraisal	ADJ
fbem-16432	70	5	exclusion	exclusion	NOUN
fbem-16432	70	6	,	,	PUNCT
fbem-16432	70	7	which	which	PRON
fbem-16432	70	8	means	mean	VERB
fbem-16432	70	9	that	that	SCONJ
fbem-16432	70	10	some	some	DET
fbem-16432	70	11	individuals	individual	NOUN
fbem-16432	70	12	or	or	CCONJ
fbem-16432	70	13	enterprises	enterprise	NOUN
fbem-16432	70	14	are	be	AUX
fbem-16432	70	15	unfairly	unfairly	ADV
fbem-16432	70	16	assessed	assess	VERB
fbem-16432	70	17	when	when	SCONJ
fbem-16432	70	18	applying	apply	VERB
fbem-16432	70	19	for	for	ADP
fbem-16432	70	20	financial	financial	ADJ
fbem-16432	70	21	services	service	NOUN
fbem-16432	70	22	,	,	PUNCT
fbem-16432	70	23	such	such	ADJ
fbem-16432	70	24	as	as	ADP
fbem-16432	70	25	low	low	ADJ
fbem-16432	70	26	credit	credit	NOUN
fbem-16432	70	27	rating	rating	NOUN
fbem-16432	70	28	,	,	PUNCT
fbem-16432	70	29	lack	lack	NOUN
fbem-16432	70	30	of	of	ADP
fbem-16432	70	31	collateral	collateral	NOUN
fbem-16432	70	32	,	,	PUNCT
fbem-16432	70	33	etc	etc	X
fbem-16432	70	34	.	.	X
fbem-16432	70	35	,	,	PUNCT
fbem-16432	70	36	resulting	result	VERB
fbem-16432	70	37	in	in	ADP
fbem-16432	70	38	their	their	PRON
fbem-16432	70	39	inability	inability	NOUN
fbem-16432	70	40	to	to	PART
fbem-16432	70	41	obtain	obtain	VERB
fbem-16432	70	42	necessary	necessary	ADJ
fbem-16432	70	43	financial	financial	ADJ
fbem-16432	70	44	services	service	NOUN
fbem-16432	70	45	;	;	PUNCT
fbem-16432	70	46	the	the	DET
fbem-16432	70	47	third	third	NOUN
fbem-16432	70	48	is	be	AUX
fbem-16432	70	49	conditional	conditional	ADJ
fbem-16432	70	50	exclusion	exclusion	NOUN
fbem-16432	70	51	,	,	PUNCT
fbem-16432	70	52	which	which	PRON
fbem-16432	70	53	means	mean	VERB
fbem-16432	70	54	that	that	SCONJ
fbem-16432	70	55	some	some	DET
fbem-16432	70	56	individuals	individual	NOUN
fbem-16432	70	57	or	or	CCONJ
fbem-16432	70	58	enterprises	enterprise	NOUN
fbem-16432	70	59	are	be	AUX
fbem-16432	70	60	attached	attach	VERB
fbem-16432	70	61	to	to	ADP
fbem-16432	70	62	unreasonable	unreasonable	ADJ
fbem-16432	70	63	loan	loan	NOUN
fbem-16432	70	64	conditions	condition	NOUN
fbem-16432	70	65	,	,	PUNCT
fbem-16432	70	66	such	such	ADJ
fbem-16432	70	67	as	as	ADP
fbem-16432	70	68	high	high	ADJ
fbem-16432	70	69	interest	interest	NOUN
fbem-16432	70	70	rates	rate	NOUN
fbem-16432	70	71	,	,	PUNCT
fbem-16432	70	72	complicated	complicated	ADJ
fbem-16432	70	73	procedures	procedure	NOUN
fbem-16432	70	74	,	,	PUNCT
fbem-16432	70	75	etc	etc	X
fbem-16432	70	76	.	.	X
fbem-16432	70	77	,	,	PUNCT
fbem-16432	70	78	so	so	SCONJ
fbem-16432	70	79	that	that	SCONJ
fbem-16432	70	80	they	they	PRON
fbem-16432	70	81	can	can	AUX
fbem-16432	70	82	not	not	PART
fbem-16432	70	83	obtain	obtain	VERB
fbem-16432	70	84	the	the	DET
fbem-16432	70	85	required	require	VERB
fbem-16432	70	86	financial	financial	ADJ
fbem-16432	70	87	services	service	NOUN
fbem-16432	70	88	;	;	PUNCT
fbem-16432	70	89	the	the	DET
fbem-16432	70	90	fourth	fourth	ADJ
fbem-16432	70	91	is	be	AUX
fbem-16432	70	92	price	price	NOUN
fbem-16432	70	93	exclusion	exclusion	NOUN
fbem-16432	70	94	,	,	PUNCT
fbem-16432	70	95	which	which	PRON
fbem-16432	70	96	means	mean	VERB
fbem-16432	70	97	that	that	SCONJ
fbem-16432	70	98	some	some	DET
fbem-16432	70	99	individuals	individual	NOUN
fbem-16432	70	100	or	or	CCONJ
fbem-16432	70	101	enterprises	enterprise	NOUN
fbem-16432	70	102	can	can	AUX
fbem-16432	70	103	not	not	PART
fbem-16432	70	104	afford	afford	VERB
fbem-16432	70	105	the	the	DET
fbem-16432	70	106	price	price	NOUN
fbem-16432	70	107	of	of	ADP
fbem-16432	70	108	financial	financial	ADJ
fbem-16432	70	109	services	service	NOUN
fbem-16432	70	110	,	,	PUNCT
fbem-16432	70	111	such	such	ADJ
fbem-16432	70	112	as	as	ADP
fbem-16432	70	113	high	high	ADJ
fbem-16432	70	114	interest	interest	NOUN
fbem-16432	70	115	,	,	PUNCT
fbem-16432	70	116	commission	commission	NOUN
fbem-16432	70	117	,	,	PUNCT
fbem-16432	70	118	etc	etc	X
fbem-16432	70	119	.	.	X
fbem-16432	70	120	,	,	PUNCT
fbem-16432	70	121	so	so	SCONJ
fbem-16432	70	122	that	that	SCONJ
fbem-16432	70	123	they	they	PRON
fbem-16432	70	124	can	can	AUX
fbem-16432	70	125	not	not	PART
fbem-16432	70	126	obtain	obtain	VERB
fbem-16432	70	127	necessary	necessary	ADJ
fbem-16432	70	128	financial	financial	ADJ
fbem-16432	70	129	services	service	NOUN
fbem-16432	70	130	;	;	PUNCT
fbem-16432	70	131	marketing	marketing	NOUN
fbem-16432	70	132	exclusion	exclusion	NOUN
fbem-16432	70	133	refers	refer	VERB
fbem-16432	70	134	to	to	ADP
fbem-16432	70	135	the	the	DET
fbem-16432	70	136	exclusion	exclusion	NOUN
fbem-16432	70	137	of	of	ADP
fbem-16432	70	138	some	some	DET
fbem-16432	70	139	individuals	individual	NOUN
fbem-16432	70	140	or	or	CCONJ
fbem-16432	70	141	enterprises	enterprise	NOUN
fbem-16432	70	142	from	from	ADP
fbem-16432	70	143	the	the	DET
fbem-16432	70	144	marketing	marketing	NOUN
fbem-16432	70	145	activities	activity	NOUN
fbem-16432	70	146	of	of	ADP
fbem-16432	70	147	financial	financial	ADJ
fbem-16432	70	148	institutions	institution	NOUN
fbem-16432	70	149	,	,	PUNCT
fbem-16432	70	150	unable	unable	ADJ
fbem-16432	70	151	to	to	PART
fbem-16432	70	152	obtain	obtain	VERB
fbem-16432	70	153	financial	financial	ADJ
fbem-16432	70	154	services	service	NOUN
fbem-16432	70	155	that	that	PRON
fbem-16432	70	156	are	be	AUX
fbem-16432	70	157	advertised	advertise	VERB
fbem-16432	70	158	and	and	CCONJ
fbem-16432	70	159	promoted	promote	VERB
fbem-16432	70	160	;	;	PUNCT
fbem-16432	70	161	the	the	DET
fbem-16432	70	162	sixth	sixth	ADJ
fbem-16432	70	163	is	be	AUX
fbem-16432	70	164	selfexclusion	selfexclusion	NOUN
fbem-16432	70	165	,	,	PUNCT
fbem-16432	70	166	which	which	PRON
fbem-16432	70	167	means	mean	VERB
fbem-16432	70	168	that	that	SCONJ
fbem-16432	70	169	some	some	DET
fbem-16432	70	170	individuals	individual	NOUN
fbem-16432	70	171	or	or	CCONJ
fbem-16432	70	172	enterprises	enterprise	NOUN
fbem-16432	70	173	take	take	VERB
fbem-16432	70	174	the	the	DET
fbem-16432	70	175	initiative	initiative	NOUN
fbem-16432	70	176	to	to	PART
fbem-16432	70	177	give	give	VERB
fbem-16432	70	178	up	up	ADP
fbem-16432	70	179	the	the	DET
fbem-16432	70	180	use	use	NOUN
fbem-16432	70	181	of	of	ADP
fbem-16432	70	182	financial	financial	ADJ
fbem-16432	70	183	services	service	NOUN
fbem-16432	70	184	because	because	SCONJ
fbem-16432	70	185	of	of	ADP
fbem-16432	70	186	misunderstanding	misunderstanding	NOUN
fbem-16432	70	187	and	and	CCONJ
fbem-16432	70	188	distrust	distrust	NOUN
fbem-16432	70	189	of	of	ADP
fbem-16432	70	190	financial	financial	ADJ
fbem-16432	70	191	services	service	NOUN
fbem-16432	70	192	.	.	PUNCT
fbem-16432	71	1	(	(	PUNCT
fbem-16432	71	2	3	3	X
fbem-16432	71	3	)	)	PUNCT
fbem-16432	71	4	long	long	ADJ
fbem-16432	71	5	tail	tail	NOUN
fbem-16432	71	6	theory	theory	NOUN
fbem-16432	71	7	the	the	DET
fbem-16432	71	8	long	long	ADJ
fbem-16432	71	9	tail	tail	NOUN
fbem-16432	71	10	theory	theory	NOUN
fbem-16432	71	11	arose	arise	VERB
fbem-16432	71	12	in	in	ADP
fbem-16432	71	13	the	the	DET
fbem-16432	71	14	internet	internet	NOUN
fbem-16432	71	15	era	era	NOUN
fbem-16432	71	16	and	and	CCONJ
fbem-16432	71	17	was	be	AUX
fbem-16432	71	18	proposed	propose	VERB
fbem-16432	71	19	by	by	ADP
fbem-16432	71	20	american	american	ADJ
fbem-16432	71	21	scholar	scholar	PROPN
fbem-16432	71	22	chris	chris	PROPN
fbem-16432	71	23	.	.	PUNCT
fbem-16432	72	1	anderson	anderson	PROPN
fbem-16432	72	2	proposed	propose	VERB
fbem-16432	72	3	.	.	PUNCT
fbem-16432	73	1	if	if	SCONJ
fbem-16432	73	2	described	describe	VERB
fbem-16432	73	3	as	as	ADP
fbem-16432	73	4	a	a	DET
fbem-16432	73	5	normal	normal	ADJ
fbem-16432	73	6	distribution	distribution	NOUN
fbem-16432	73	7	curve	curve	NOUN
fbem-16432	73	8	,	,	PUNCT
fbem-16432	73	9	people	people	NOUN
fbem-16432	73	10	pay	pay	VERB
fbem-16432	73	11	more	more	ADJ
fbem-16432	73	12	attention	attention	NOUN
fbem-16432	73	13	to	to	ADP
fbem-16432	73	14	the	the	DET
fbem-16432	73	15	people	people	NOUN
fbem-16432	73	16	or	or	CCONJ
fbem-16432	73	17	things	thing	NOUN
fbem-16432	73	18	at	at	ADP
fbem-16432	73	19	the	the	DET
fbem-16432	73	20	"	"	PUNCT
fbem-16432	73	21	top	top	NOUN
fbem-16432	73	22	"	"	PUNCT
fbem-16432	73	23	of	of	ADP
fbem-16432	73	24	the	the	DET
fbem-16432	73	25	curve	curve	NOUN
fbem-16432	73	26	and	and	CCONJ
fbem-16432	73	27	ignore	ignore	VERB
fbem-16432	73	28	most	most	ADJ
fbem-16432	73	29	of	of	ADP
fbem-16432	73	30	the	the	DET
fbem-16432	73	31	people	people	NOUN
fbem-16432	73	32	or	or	CCONJ
fbem-16432	73	33	things	thing	NOUN
fbem-16432	73	34	at	at	ADP
fbem-16432	73	35	the	the	DET
fbem-16432	73	36	"	"	PUNCT
fbem-16432	73	37	bottom	bottom	NOUN
fbem-16432	73	38	"	"	PUNCT
fbem-16432	73	39	of	of	ADP
fbem-16432	73	40	the	the	DET
fbem-16432	73	41	curve	curve	NOUN
fbem-16432	73	42	.	.	PUNCT
fbem-16432	74	1	the	the	DET
fbem-16432	74	2	long	long	ADJ
fbem-16432	74	3	-	-	PUNCT
fbem-16432	74	4	tail	tail	NOUN
fbem-16432	74	5	theory	theory	NOUN
fbem-16432	74	6	holds	hold	VERB
fbem-16432	74	7	that	that	SCONJ
fbem-16432	74	8	in	in	ADP
fbem-16432	74	9	the	the	DET
fbem-16432	74	10	internet	internet	NOUN
fbem-16432	74	11	age	age	NOUN
fbem-16432	74	12	,	,	PUNCT
fbem-16432	74	13	people	people	NOUN
fbem-16432	74	14	can	can	AUX
fbem-16432	74	15	focus	focus	VERB
fbem-16432	74	16	on	on	ADP
fbem-16432	74	17	the	the	DET
fbem-16432	74	18	"	"	PUNCT
fbem-16432	74	19	tail	tail	NOUN
fbem-16432	74	20	"	"	PUNCT
fbem-16432	74	21	of	of	ADP
fbem-16432	74	22	the	the	DET
fbem-16432	74	23	normal	normal	ADJ
fbem-16432	74	24	distribution	distribution	NOUN
fbem-16432	74	25	curve	curve	NOUN
fbem-16432	74	26	at	at	ADP
fbem-16432	74	27	a	a	DET
fbem-16432	74	28	lower	low	ADJ
fbem-16432	74	29	cost	cost	NOUN
fbem-16432	74	30	,	,	PUNCT
fbem-16432	74	31	and	and	CCONJ
fbem-16432	74	32	this	this	DET
fbem-16432	74	33	part	part	NOUN
fbem-16432	74	34	of	of	ADP
fbem-16432	74	35	the	the	DET
fbem-16432	74	36	total	total	ADJ
fbem-16432	74	37	benefit	benefit	NOUN
fbem-16432	74	38	may	may	AUX
fbem-16432	74	39	even	even	ADV
fbem-16432	74	40	be	be	AUX
fbem-16432	74	41	higher	high	ADJ
fbem-16432	74	42	than	than	ADP
fbem-16432	74	43	the	the	DET
fbem-16432	74	44	"	"	PUNCT
fbem-16432	74	45	head	head	NOUN
fbem-16432	74	46	"	"	PUNCT
fbem-16432	74	47	.	.	PUNCT
fbem-16432	75	1	the	the	DET
fbem-16432	75	2	long	long	ADJ
fbem-16432	75	3	tail	tail	NOUN
fbem-16432	75	4	theory	theory	NOUN
fbem-16432	75	5	reveals	reveal	VERB
fbem-16432	75	6	a	a	DET
fbem-16432	75	7	new	new	ADJ
fbem-16432	75	8	business	business	NOUN
fbem-16432	75	9	and	and	CCONJ
fbem-16432	75	10	economic	economic	ADJ
fbem-16432	75	11	model	model	NOUN
fbem-16432	75	12	that	that	PRON
fbem-16432	75	13	emphasizes	emphasize	VERB
fbem-16432	75	14	the	the	DET
fbem-16432	75	15	focus	focus	NOUN
fbem-16432	75	16	on	on	ADP
fbem-16432	75	17	the	the	DET
fbem-16432	75	18	overall	overall	ADJ
fbem-16432	75	19	benefits	benefit	NOUN
fbem-16432	75	20	brought	bring	VERB
fbem-16432	75	21	by	by	ADP
fbem-16432	75	22	the	the	DET
fbem-16432	75	23	"	"	PUNCT
fbem-16432	75	24	tail	tail	NOUN
fbem-16432	75	25	"	"	PUNCT
fbem-16432	75	26	in	in	ADP
fbem-16432	75	27	the	the	DET
fbem-16432	75	28	network	network	NOUN
fbem-16432	75	29	age	age	NOUN
fbem-16432	75	30	and	and	CCONJ
fbem-16432	75	31	exerts	exert	VERB
fbem-16432	75	32	the	the	DET
fbem-16432	75	33	"	"	PUNCT
fbem-16432	75	34	long	long	ADJ
fbem-16432	75	35	tail	tail	NOUN
fbem-16432	75	36	"	"	PUNCT
fbem-16432	75	37	effect	effect	NOUN
fbem-16432	75	38	.	.	PUNCT
fbem-16432	76	1	in	in	ADP
fbem-16432	76	2	the	the	DET
fbem-16432	76	3	field	field	NOUN
fbem-16432	76	4	of	of	ADP
fbem-16432	76	5	digital	digital	ADJ
fbem-16432	76	6	finance	finance	NOUN
fbem-16432	76	7	,	,	PUNCT
fbem-16432	76	8	the	the	DET
fbem-16432	76	9	typical	typical	ADJ
fbem-16432	76	10	application	application	NOUN
fbem-16432	76	11	of	of	ADP
fbem-16432	76	12	the	the	DET
fbem-16432	76	13	long	long	ADJ
fbem-16432	76	14	-	-	PUNCT
fbem-16432	76	15	tail	tail	NOUN
fbem-16432	76	16	theory	theory	NOUN
fbem-16432	76	17	is	be	AUX
fbem-16432	76	18	yu	yu	PROPN
fbem-16432	76	19	'	'	PUNCT
fbem-16432	76	20	e	e	PROPN
fbem-16432	76	21	bao	bao	PROPN
fbem-16432	76	22	.	.	PUNCT
fbem-16432	77	1	as	as	ADP
fbem-16432	77	2	a	a	DET
fbem-16432	77	3	monetary	monetary	ADJ
fbem-16432	77	4	fund	fund	NOUN
fbem-16432	77	5	,	,	PUNCT
fbem-16432	77	6	yu	yu	PROPN
fbem-16432	77	7	'	'	PUNCT
fbem-16432	77	8	e	e	PROPN
fbem-16432	77	9	bao	bao	PROPN
fbem-16432	77	10	covers	cover	VERB
fbem-16432	77	11	a	a	DET
fbem-16432	77	12	large	large	ADJ
fbem-16432	77	13	number	number	NOUN
fbem-16432	77	14	of	of	ADP
fbem-16432	77	15	long	long	ADJ
fbem-16432	77	16	-	-	PUNCT
fbem-16432	77	17	tail	tail	NOUN
fbem-16432	77	18	users	user	NOUN
fbem-16432	77	19	through	through	ADP
fbem-16432	77	20	the	the	DET
fbem-16432	77	21	internet	internet	NOUN
fbem-16432	77	22	platform	platform	NOUN
fbem-16432	77	23	alipay	alipay	PROPN
fbem-16432	77	24	,	,	PUNCT
fbem-16432	77	25	whose	whose	DET
fbem-16432	77	26	individual	individual	ADJ
fbem-16432	77	27	funds	fund	NOUN
fbem-16432	77	28	may	may	AUX
fbem-16432	77	29	be	be	AUX
fbem-16432	77	30	small	small	ADJ
fbem-16432	77	31	,	,	PUNCT
fbem-16432	77	32	so	so	SCONJ
fbem-16432	77	33	they	they	PRON
fbem-16432	77	34	are	be	AUX
fbem-16432	77	35	ignored	ignore	VERB
fbem-16432	77	36	by	by	ADP
fbem-16432	77	37	banks	bank	NOUN
fbem-16432	77	38	and	and	CCONJ
fbem-16432	77	39	other	other	ADJ
fbem-16432	77	40	financial	financial	ADJ
fbem-16432	77	41	institutions	institution	NOUN
fbem-16432	77	42	.	.	PUNCT
fbem-16432	78	1	however	however	ADV
fbem-16432	78	2	,	,	PUNCT
fbem-16432	78	3	a	a	DET
fbem-16432	78	4	large	large	ADJ
fbem-16432	78	5	number	number	NOUN
fbem-16432	78	6	of	of	ADP
fbem-16432	78	7	small	small	ADJ
fbem-16432	78	8	funds	fund	NOUN
fbem-16432	78	9	have	have	AUX
fbem-16432	78	10	formed	form	VERB
fbem-16432	78	11	a	a	DET
fbem-16432	78	12	huge	huge	ADJ
fbem-16432	78	13	financial	financial	ADJ
fbem-16432	78	14	scale	scale	NOUN
fbem-16432	78	15	,	,	PUNCT
fbem-16432	78	16	and	and	CCONJ
fbem-16432	78	17	finally	finally	ADV
fbem-16432	78	18	made	make	VERB
fbem-16432	78	19	yu	yu	PRON
fbem-16432	78	20	'	'	PUNCT
fbem-16432	78	21	e	e	PROPN
fbem-16432	78	22	bao	bao	PROPN
fbem-16432	78	23	become	become	VERB
fbem-16432	78	24	the	the	DET
fbem-16432	78	25	largest	large	ADJ
fbem-16432	78	26	monetary	monetary	ADJ
fbem-16432	78	27	fund	fund	NOUN
fbem-16432	78	28	in	in	ADP
fbem-16432	78	29	china	china	PROPN
fbem-16432	78	30	in	in	ADP
fbem-16432	78	31	a	a	DET
fbem-16432	78	32	short	short	ADJ
fbem-16432	78	33	period	period	NOUN
fbem-16432	78	34	of	of	ADP
fbem-16432	78	35	time	time	NOUN
fbem-16432	78	36	.	.	PUNCT
fbem-16432	79	1	as	as	ADP
fbem-16432	79	2	an	an	DET
fbem-16432	79	3	internet	internet	NOUN
fbem-16432	79	4	financial	financial	ADJ
fbem-16432	79	5	product	product	NOUN
fbem-16432	79	6	,	,	PUNCT
fbem-16432	79	7	yu	yu	PROPN
fbem-16432	79	8	'	'	PUNCT
fbem-16432	79	9	e	e	PROPN
fbem-16432	79	10	bao	bao	PROPN
fbem-16432	79	11	takes	take	VERB
fbem-16432	79	12	advantage	advantage	NOUN
fbem-16432	79	13	of	of	ADP
fbem-16432	79	14	the	the	DET
fbem-16432	79	15	scale	scale	NOUN
fbem-16432	79	16	effect	effect	NOUN
fbem-16432	79	17	of	of	ADP
fbem-16432	79	18	the	the	DET
fbem-16432	79	19	internet	internet	NOUN
fbem-16432	79	20	platform	platform	NOUN
fbem-16432	79	21	to	to	PART
fbem-16432	79	22	lower	lower	VERB
fbem-16432	79	23	the	the	DET
fbem-16432	79	24	threshold	threshold	NOUN
fbem-16432	79	25	of	of	ADP
fbem-16432	79	26	financial	financial	ADJ
fbem-16432	79	27	services	service	NOUN
fbem-16432	79	28	and	and	CCONJ
fbem-16432	79	29	enable	enable	VERB
fbem-16432	79	30	more	more	ADJ
fbem-16432	79	31	long	long	ADJ
fbem-16432	79	32	-	-	PUNCT
fbem-16432	79	33	tail	tail	NOUN
fbem-16432	79	34	users	user	NOUN
fbem-16432	79	35	to	to	PART
fbem-16432	79	36	conduct	conduct	VERB
fbem-16432	79	37	financial	financial	ADJ
fbem-16432	79	38	management	management	NOUN
fbem-16432	79	39	conveniently	conveniently	ADV
fbem-16432	79	40	.	.	PUNCT
fbem-16432	80	1	5	5	X
fbem-16432	80	2	.	.	X
fbem-16432	80	3	the	the	DET
fbem-16432	80	4	impact	impact	NOUN
fbem-16432	80	5	of	of	ADP
fbem-16432	80	6	digital	digital	ADJ
fbem-16432	80	7	finance	finance	NOUN
fbem-16432	80	8	on	on	ADP
fbem-16432	80	9	household	household	NOUN
fbem-16432	80	10	financial	financial	ADJ
fbem-16432	80	11	asset	asset	NOUN
fbem-16432	80	12	allocation	allocation	NOUN
fbem-16432	80	13	digital	digital	ADJ
fbem-16432	80	14	finance	finance	NOUN
fbem-16432	80	15	is	be	AUX
fbem-16432	80	16	an	an	DET
fbem-16432	80	17	important	important	ADJ
fbem-16432	80	18	part	part	NOUN
fbem-16432	80	19	of	of	ADP
fbem-16432	80	20	the	the	DET
fbem-16432	80	21	wave	wave	NOUN
fbem-16432	80	22	of	of	ADP
fbem-16432	80	23	china	china	PROPN
fbem-16432	80	24	's	's	PART
fbem-16432	80	25	industrial	industrial	ADJ
fbem-16432	80	26	digital	digital	ADJ
fbem-16432	80	27	transformation	transformation	NOUN
fbem-16432	80	28	.	.	PUNCT
fbem-16432	81	1	it	it	PRON
fbem-16432	81	2	refers	refer	VERB
fbem-16432	81	3	to	to	ADP
fbem-16432	81	4	the	the	DET
fbem-16432	81	5	new	new	ADJ
fbem-16432	81	6	generation	generation	NOUN
fbem-16432	81	7	of	of	ADP
fbem-16432	81	8	financial	financial	ADJ
fbem-16432	81	9	services	service	NOUN
fbem-16432	81	10	that	that	PRON
fbem-16432	81	11	combine	combine	VERB
fbem-16432	81	12	the	the	DET
fbem-16432	81	13	internet	internet	NOUN
fbem-16432	81	14	and	and	CCONJ
fbem-16432	81	15	modern	modern	ADJ
fbem-16432	81	16	information	information	NOUN
fbem-16432	81	17	technology	technology	NOUN
fbem-16432	81	18	means	mean	VERB
fbem-16432	81	19	,	,	PUNCT
fbem-16432	81	20	which	which	PRON
fbem-16432	81	21	is	be	AUX
fbem-16432	81	22	different	different	ADJ
fbem-16432	81	23	from	from	ADP
fbem-16432	81	24	the	the	DET
fbem-16432	81	25	traditional	traditional	ADJ
fbem-16432	81	26	financial	financial	ADJ
fbem-16432	81	27	model	model	NOUN
fbem-16432	81	28	.	.	PUNCT
fbem-16432	82	1	digital	digital	PROPN
fbem-16432	82	2	finance	finance	NOUN
fbem-16432	82	3	uses	use	VERB
fbem-16432	82	4	advanced	advanced	ADJ
fbem-16432	82	5	technologies	technology	NOUN
fbem-16432	82	6	such	such	ADJ
fbem-16432	82	7	as	as	ADP
fbem-16432	82	8	big	big	ADJ
fbem-16432	82	9	data	datum	NOUN
fbem-16432	82	10	,	,	PUNCT
fbem-16432	82	11	blockchain	blockchain	PROPN
fbem-16432	82	12	,	,	PUNCT
fbem-16432	82	13	cloud	cloud	NOUN
fbem-16432	82	14	computing	computing	NOUN
fbem-16432	82	15	and	and	CCONJ
fbem-16432	82	16	artificial	artificial	ADJ
fbem-16432	82	17	intelligence	intelligence	NOUN
fbem-16432	82	18	to	to	PART
fbem-16432	82	19	provide	provide	VERB
fbem-16432	82	20	services	service	NOUN
fbem-16432	82	21	such	such	ADJ
fbem-16432	82	22	as	as	ADP
fbem-16432	82	23	internet	internet	NOUN
fbem-16432	82	24	payment	payment	NOUN
fbem-16432	82	25	,	,	PUNCT
fbem-16432	82	26	mobile	mobile	ADJ
fbem-16432	82	27	payment	payment	NOUN
fbem-16432	82	28	,	,	PUNCT
fbem-16432	82	29	online	online	ADJ
fbem-16432	82	30	banking	banking	NOUN
fbem-16432	82	31	,	,	PUNCT
fbem-16432	82	32	financial	financial	ADJ
fbem-16432	82	33	services	service	NOUN
fbem-16432	82	34	outsourcing	outsourcing	NOUN
fbem-16432	82	35	,	,	PUNCT
fbem-16432	82	36	online	online	ADJ
fbem-16432	82	37	lending	lending	NOUN
fbem-16432	82	38	,	,	PUNCT
fbem-16432	82	39	online	online	ADJ
fbem-16432	82	40	insurance	insurance	NOUN
fbem-16432	82	41	and	and	CCONJ
fbem-16432	82	42	online	online	ADJ
fbem-16432	82	43	funds	fund	NOUN
fbem-16432	82	44	.	.	PUNCT
fbem-16432	83	1	this	this	DET
fbem-16432	83	2	form	form	NOUN
fbem-16432	83	3	of	of	ADP
fbem-16432	83	4	financial	financial	ADJ
fbem-16432	83	5	services	service	NOUN
fbem-16432	83	6	is	be	AUX
fbem-16432	83	7	more	more	ADV
fbem-16432	83	8	extensive	extensive	ADJ
fbem-16432	83	9	and	and	CCONJ
fbem-16432	83	10	convenient	convenient	ADJ
fbem-16432	83	11	,	,	PUNCT
fbem-16432	83	12	allowing	allow	VERB
fbem-16432	83	13	more	more	ADJ
fbem-16432	83	14	families	family	NOUN
fbem-16432	83	15	to	to	PART
fbem-16432	83	16	access	access	VERB
fbem-16432	83	17	a	a	DET
fbem-16432	83	18	greater	great	ADJ
fbem-16432	83	19	variety	variety	NOUN
fbem-16432	83	20	of	of	ADP
fbem-16432	83	21	financial	financial	ADJ
fbem-16432	83	22	products	product	NOUN
fbem-16432	83	23	and	and	CCONJ
fbem-16432	83	24	services	service	NOUN
fbem-16432	83	25	.	.	PUNCT
fbem-16432	84	1	direct	direct	ADJ
fbem-16432	84	2	impact	impact	NOUN
fbem-16432	84	3	(	(	PUNCT
fbem-16432	84	4	1	1	X
fbem-16432	84	5	)	)	PUNCT
fbem-16432	84	6	break	break	VERB
fbem-16432	84	7	physical	physical	ADJ
fbem-16432	84	8	network	network	NOUN
fbem-16432	84	9	dependence	dependence	NOUN
fbem-16432	84	10	and	and	CCONJ
fbem-16432	84	11	improve	improve	VERB
fbem-16432	84	12	financial	financial	ADJ
fbem-16432	84	13	availability	availability	NOUN
fbem-16432	84	14	since	since	SCONJ
fbem-16432	84	15	the	the	DET
fbem-16432	84	16	1990s	1990s	NUM
fbem-16432	84	17	,	,	PUNCT
fbem-16432	84	18	the	the	DET
fbem-16432	84	19	banking	banking	NOUN
fbem-16432	84	20	industry	industry	NOUN
fbem-16432	84	21	has	have	AUX
fbem-16432	84	22	undergone	undergo	VERB
fbem-16432	84	23	tremendous	tremendous	ADJ
fbem-16432	84	24	institutional	institutional	ADJ
fbem-16432	84	25	changes	change	NOUN
fbem-16432	84	26	,	,	PUNCT
fbem-16432	84	27	the	the	DET
fbem-16432	84	28	scale	scale	NOUN
fbem-16432	84	29	of	of	ADP
fbem-16432	84	30	network	network	NOUN
fbem-16432	84	31	has	have	AUX
fbem-16432	84	32	been	be	AUX
fbem-16432	84	33	greatly	greatly	ADV
fbem-16432	84	34	reduced	reduce	VERB
fbem-16432	84	35	,	,	PUNCT
fbem-16432	84	36	and	and	CCONJ
fbem-16432	84	37	financial	financial	ADJ
fbem-16432	84	38	institutions	institution	NOUN
fbem-16432	84	39	have	have	AUX
fbem-16432	84	40	gradually	gradually	ADV
fbem-16432	84	41	shifted	shift	VERB
fbem-16432	84	42	to	to	ADP
fbem-16432	84	43	the	the	DET
fbem-16432	84	44	economic	economic	ADJ
fbem-16432	84	45	center	center	NOUN
fbem-16432	84	46	,	,	PUNCT
fbem-16432	84	47	resulting	result	VERB
fbem-16432	84	48	in	in	ADP
fbem-16432	84	49	more	more	ADV
fbem-16432	84	50	unbalanced	unbalanced	ADJ
fbem-16432	84	51	layout	layout	NOUN
fbem-16432	84	52	and	and	CCONJ
fbem-16432	84	53	services	service	NOUN
fbem-16432	84	54	of	of	ADP
fbem-16432	84	55	financial	financial	ADJ
fbem-16432	84	56	institutions	institution	NOUN
fbem-16432	84	57	.	.	PUNCT
fbem-16432	85	1	at	at	ADP
fbem-16432	85	2	the	the	DET
fbem-16432	85	3	same	same	ADJ
fbem-16432	85	4	time	time	NOUN
fbem-16432	85	5	,	,	PUNCT
fbem-16432	85	6	according	accord	VERB
fbem-16432	85	7	to	to	ADP
fbem-16432	85	8	the	the	DET
fbem-16432	85	9	80/20	80/20	NUM
fbem-16432	85	10	rule	rule	NOUN
fbem-16432	85	11	,	,	PUNCT
fbem-16432	85	12	financial	financial	ADJ
fbem-16432	85	13	institutions	institution	NOUN
fbem-16432	85	14	generally	generally	ADV
fbem-16432	85	15	pay	pay	VERB
fbem-16432	85	16	more	more	ADJ
fbem-16432	85	17	attention	attention	NOUN
fbem-16432	85	18	to	to	ADP
fbem-16432	85	19	the	the	DET
fbem-16432	85	20	top	top	ADJ
fbem-16432	85	21	20	20	NUM
fbem-16432	85	22	%	%	NOUN
fbem-16432	85	23	customers	customer	NOUN
fbem-16432	85	24	with	with	ADP
fbem-16432	85	25	higher	high	ADJ
fbem-16432	85	26	profits	profit	NOUN
fbem-16432	85	27	and	and	CCONJ
fbem-16432	85	28	incomes	income	NOUN
fbem-16432	85	29	,	,	PUNCT
fbem-16432	85	30	so	so	SCONJ
fbem-16432	85	31	as	as	SCONJ
fbem-16432	85	32	to	to	PART
fbem-16432	85	33	occupy	occupy	VERB
fbem-16432	85	34	80	80	NUM
fbem-16432	85	35	%	%	NOUN
fbem-16432	85	36	of	of	ADP
fbem-16432	85	37	the	the	DET
fbem-16432	85	38	market	market	NOUN
fbem-16432	85	39	share	share	NOUN
fbem-16432	85	40	,	,	PUNCT
fbem-16432	85	41	while	while	SCONJ
fbem-16432	85	42	there	there	PRON
fbem-16432	85	43	is	be	VERB
fbem-16432	85	44	a	a	DET
fbem-16432	85	45	certain	certain	ADJ
fbem-16432	85	46	credit	credit	NOUN
fbem-16432	85	47	discrimination	discrimination	NOUN
fbem-16432	85	48	against	against	ADP
fbem-16432	85	49	the	the	DET
fbem-16432	85	50	remaining	remain	VERB
fbem-16432	85	51	80	80	NUM
fbem-16432	85	52	%	%	NOUN
fbem-16432	85	53	low	low	ADJ
fbem-16432	85	54	-	-	PUNCT
fbem-16432	85	55	income	income	NOUN
fbem-16432	85	56	families	family	NOUN
fbem-16432	85	57	in	in	ADP
fbem-16432	85	58	underdeveloped	underdeveloped	ADJ
fbem-16432	85	59	areas	area	NOUN
fbem-16432	85	60	.	.	PUNCT
fbem-16432	86	1	the	the	DET
fbem-16432	86	2	emergence	emergence	NOUN
fbem-16432	86	3	of	of	ADP
fbem-16432	86	4	digital	digital	ADJ
fbem-16432	86	5	finance	finance	NOUN
fbem-16432	86	6	breaks	break	VERB
fbem-16432	86	7	the	the	DET
fbem-16432	86	8	dependence	dependence	NOUN
fbem-16432	86	9	of	of	ADP
fbem-16432	86	10	traditional	traditional	ADJ
fbem-16432	86	11	finance	finance	NOUN
fbem-16432	86	12	on	on	ADP
fbem-16432	86	13	physical	physical	ADJ
fbem-16432	86	14	outlets	outlet	NOUN
fbem-16432	86	15	,	,	PUNCT
fbem-16432	86	16	breaks	break	VERB
fbem-16432	86	17	through	through	ADP
fbem-16432	86	18	the	the	DET
fbem-16432	86	19	restrictions	restriction	NOUN
fbem-16432	86	20	of	of	ADP
fbem-16432	86	21	geographical	geographical	ADJ
fbem-16432	86	22	location	location	NOUN
fbem-16432	86	23	,	,	PUNCT
fbem-16432	86	24	has	have	VERB
fbem-16432	86	25	stronger	strong	ADJ
fbem-16432	86	26	geographical	geographical	ADJ
fbem-16432	86	27	penetration	penetration	NOUN
fbem-16432	86	28	,	,	PUNCT
fbem-16432	86	29	and	and	CCONJ
fbem-16432	86	30	realizes	realize	VERB
fbem-16432	86	31	the	the	DET
fbem-16432	86	32	efficient	efficient	ADJ
fbem-16432	86	33	supply	supply	NOUN
fbem-16432	86	34	and	and	CCONJ
fbem-16432	86	35	development	development	NOUN
fbem-16432	86	36	of	of	ADP
fbem-16432	86	37	long	long	ADJ
fbem-16432	86	38	-	-	PUNCT
fbem-16432	86	39	tail	tail	NOUN
fbem-16432	86	40	users	user	NOUN
fbem-16432	86	41	under	under	ADP
fbem-16432	86	42	the	the	DET
fbem-16432	86	43	premise	premise	NOUN
fbem-16432	86	44	of	of	ADP
fbem-16432	86	45	basically	basically	ADV
fbem-16432	86	46	no	no	DET
fbem-16432	86	47	increase	increase	NOUN
fbem-16432	86	48	in	in	ADP
fbem-16432	86	49	cost	cost	NOUN
fbem-16432	86	50	.	.	PUNCT
fbem-16432	87	1	the	the	DET
fbem-16432	87	2	internet	internet	NOUN
fbem-16432	87	3	,	,	PUNCT
fbem-16432	87	4	mobile	mobile	ADJ
fbem-16432	87	5	communication	communication	NOUN
fbem-16432	87	6	and	and	CCONJ
fbem-16432	87	7	other	other	ADJ
fbem-16432	87	8	technologies	technology	NOUN
fbem-16432	87	9	have	have	AUX
fbem-16432	87	10	made	make	VERB
fbem-16432	87	11	financial	financial	ADJ
fbem-16432	87	12	services	service	NOUN
fbem-16432	87	13	networked	network	VERB
fbem-16432	87	14	,	,	PUNCT
fbem-16432	87	15	intelligent	intelligent	ADJ
fbem-16432	87	16	,	,	PUNCT
fbem-16432	87	17	convenient	convenient	ADJ
fbem-16432	87	18	and	and	CCONJ
fbem-16432	87	19	low	low	ADJ
fbem-16432	87	20	-	-	PUNCT
fbem-16432	87	21	cost	cost	NOUN
fbem-16432	87	22	,	,	PUNCT
fbem-16432	87	23	lowered	lower	VERB
fbem-16432	87	24	the	the	DET
fbem-16432	87	25	threshold	threshold	NOUN
fbem-16432	87	26	of	of	ADP
fbem-16432	87	27	online	online	ADJ
fbem-16432	87	28	financial	financial	ADJ
fbem-16432	87	29	investment	investment	NOUN
fbem-16432	87	30	,	,	PUNCT
fbem-16432	87	31	and	and	CCONJ
fbem-16432	87	32	improved	improve	VERB
fbem-16432	87	33	the	the	DET
fbem-16432	87	34	coverage	coverage	NOUN
fbem-16432	87	35	,	,	PUNCT
fbem-16432	87	36	efficiency	efficiency	NOUN
fbem-16432	87	37	and	and	CCONJ
fbem-16432	87	38	quality	quality	NOUN
fbem-16432	87	39	of	of	ADP
fbem-16432	87	40	financial	financial	ADJ
fbem-16432	87	41	services	service	NOUN
fbem-16432	87	42	.	.	PUNCT
fbem-16432	88	1	customers	customer	NOUN
fbem-16432	88	2	can	can	AUX
fbem-16432	88	3	use	use	VERB
fbem-16432	88	4	the	the	DET
fbem-16432	88	5	internet	internet	NOUN
fbem-16432	88	6	and	and	CCONJ
fbem-16432	88	7	mobile	mobile	NOUN
fbem-16432	88	8	devices	device	NOUN
fbem-16432	88	9	to	to	PART
fbem-16432	88	10	carry	carry	VERB
fbem-16432	88	11	out	out	ADP
fbem-16432	88	12	financial	financial	ADJ
fbem-16432	88	13	transactions	transaction	NOUN
fbem-16432	88	14	and	and	CCONJ
fbem-16432	88	15	investments	investment	NOUN
fbem-16432	88	16	and	and	CCONJ
fbem-16432	88	17	purchase	purchase	VERB
fbem-16432	88	18	financial	financial	ADJ
fbem-16432	88	19	products	product	NOUN
fbem-16432	88	20	and	and	CCONJ
fbem-16432	88	21	services	service	NOUN
fbem-16432	88	22	anytime	anytime	ADV
fbem-16432	88	23	and	and	CCONJ
fbem-16432	88	24	anywhere	anywhere	ADV
fbem-16432	88	25	,	,	PUNCT
fbem-16432	88	26	which	which	PRON
fbem-16432	88	27	has	have	AUX
fbem-16432	88	28	greatly	greatly	ADV
fbem-16432	88	29	improved	improve	VERB
fbem-16432	88	30	the	the	DET
fbem-16432	88	31	availability	availability	NOUN
fbem-16432	88	32	of	of	ADP
fbem-16432	88	33	finance	finance	NOUN
fbem-16432	88	34	.	.	PUNCT
fbem-16432	89	1	(	(	PUNCT
fbem-16432	89	2	2	2	X
fbem-16432	89	3	)	)	PUNCT
fbem-16432	89	4	innovate	innovate	VERB
fbem-16432	89	5	financial	financial	ADJ
fbem-16432	89	6	products	product	NOUN
fbem-16432	89	7	and	and	CCONJ
fbem-16432	89	8	enhance	enhance	VERB
fbem-16432	89	9	the	the	DET
fbem-16432	89	10	diversity	diversity	NOUN
fbem-16432	89	11	of	of	ADP
fbem-16432	89	12	financial	financial	ADJ
fbem-16432	89	13	services	service	NOUN
fbem-16432	89	14	china	china	PROPN
fbem-16432	89	15	is	be	AUX
fbem-16432	89	16	the	the	DET
fbem-16432	89	17	country	country	NOUN
fbem-16432	89	18	with	with	ADP
fbem-16432	89	19	the	the	DET
fbem-16432	89	20	largest	large	ADJ
fbem-16432	89	21	population	population	NOUN
fbem-16432	89	22	and	and	CCONJ
fbem-16432	89	23	the	the	DET
fbem-16432	89	24	largest	large	ADJ
fbem-16432	89	25	number	number	NOUN
fbem-16432	89	26	of	of	ADP
fbem-16432	89	27	internet	internet	NOUN
fbem-16432	89	28	users	user	NOUN
fbem-16432	89	29	in	in	ADP
fbem-16432	89	30	the	the	DET
fbem-16432	89	31	world	world	NOUN
fbem-16432	89	32	,	,	PUNCT
fbem-16432	89	33	and	and	CCONJ
fbem-16432	89	34	these	these	DET
fbem-16432	89	35	characteristics	characteristic	NOUN
fbem-16432	89	36	determine	determine	VERB
fbem-16432	89	37	that	that	SCONJ
fbem-16432	89	38	china	china	PROPN
fbem-16432	89	39	has	have	VERB
fbem-16432	89	40	huge	huge	ADJ
fbem-16432	89	41	and	and	CCONJ
fbem-16432	89	42	diverse	diverse	ADJ
fbem-16432	89	43	financial	financial	ADJ
fbem-16432	89	44	needs	need	NOUN
fbem-16432	89	45	.	.	PUNCT
fbem-16432	90	1	digital	digital	ADJ
fbem-16432	90	2	finance	finance	NOUN
fbem-16432	90	3	uses	use	VERB
fbem-16432	90	4	big	big	ADJ
fbem-16432	90	5	data	datum	NOUN
fbem-16432	90	6	and	and	CCONJ
fbem-16432	90	7	artificial	artificial	ADJ
fbem-16432	90	8	intelligence	intelligence	NOUN
fbem-16432	90	9	technology	technology	NOUN
fbem-16432	90	10	to	to	PART
fbem-16432	90	11	collect	collect	VERB
fbem-16432	90	12	,	,	PUNCT
fbem-16432	90	13	analyze	analyze	VERB
fbem-16432	90	14	and	and	CCONJ
fbem-16432	90	15	mine	mine	NOUN
fbem-16432	90	16	customer	customer	NOUN
fbem-16432	90	17	data	datum	NOUN
fbem-16432	90	18	,	,	PUNCT
fbem-16432	90	19	understand	understand	VERB
fbem-16432	90	20	customer	customer	NOUN
fbem-16432	90	21	consumption	consumption	NOUN
fbem-16432	90	22	habits	habit	NOUN
fbem-16432	90	23	,	,	PUNCT
fbem-16432	90	24	consumption	consumption	NOUN
fbem-16432	90	25	power	power	NOUN
fbem-16432	90	26	,	,	PUNCT
fbem-16432	90	27	consumer	consumer	NOUN
fbem-16432	90	28	demand	demand	NOUN
fbem-16432	90	29	and	and	CCONJ
fbem-16432	90	30	preferences	preference	NOUN
fbem-16432	90	31	,	,	PUNCT
fbem-16432	90	32	develop	develop	VERB
fbem-16432	90	33	personalized	personalized	ADJ
fbem-16432	90	34	financial	financial	ADJ
fbem-16432	90	35	products	product	NOUN
fbem-16432	90	36	and	and	CCONJ
fbem-16432	90	37	services	service	NOUN
fbem-16432	90	38	to	to	PART
fbem-16432	90	39	meet	meet	VERB
fbem-16432	90	40	the	the	DET
fbem-16432	90	41	24	24	NUM
fbem-16432	90	42	financial	financial	ADJ
fbem-16432	90	43	needs	need	NOUN
fbem-16432	90	44	of	of	ADP
fbem-16432	90	45	different	different	ADJ
fbem-16432	90	46	customers	customer	NOUN
fbem-16432	90	47	,	,	PUNCT
fbem-16432	90	48	provide	provide	VERB
fbem-16432	90	49	more	more	ADJ
fbem-16432	90	50	segmented	segmented	ADJ
fbem-16432	90	51	and	and	CCONJ
fbem-16432	90	52	convenient	convenient	ADJ
fbem-16432	90	53	services	service	NOUN
fbem-16432	90	54	,	,	PUNCT
fbem-16432	90	55	and	and	CCONJ
fbem-16432	90	56	improve	improve	VERB
fbem-16432	90	57	customer	customer	NOUN
fbem-16432	90	58	satisfaction	satisfaction	NOUN
fbem-16432	90	59	and	and	CCONJ
fbem-16432	90	60	customer	customer	NOUN
fbem-16432	90	61	stickiness	stickiness	NOUN
fbem-16432	90	62	through	through	ADP
fbem-16432	90	63	precision	precision	NOUN
fbem-16432	90	64	marketing	marketing	NOUN
fbem-16432	90	65	and	and	CCONJ
fbem-16432	90	66	services	service	NOUN
fbem-16432	90	67	.	.	PUNCT
fbem-16432	91	1	at	at	ADP
fbem-16432	91	2	the	the	DET
fbem-16432	91	3	same	same	ADJ
fbem-16432	91	4	time	time	NOUN
fbem-16432	91	5	,	,	PUNCT
fbem-16432	91	6	through	through	ADP
fbem-16432	91	7	cooperation	cooperation	NOUN
fbem-16432	91	8	with	with	ADP
fbem-16432	91	9	multiple	multiple	ADJ
fbem-16432	91	10	platforms	platform	NOUN
fbem-16432	91	11	such	such	ADJ
fbem-16432	91	12	as	as	ADP
fbem-16432	91	13	internet	internet	NOUN
fbem-16432	91	14	platforms	platform	NOUN
fbem-16432	91	15	and	and	CCONJ
fbem-16432	91	16	e	e	NOUN
fbem-16432	91	17	-	-	NOUN
fbem-16432	91	18	commerce	commerce	NOUN
fbem-16432	91	19	platforms	platform	NOUN
fbem-16432	91	20	,	,	PUNCT
fbem-16432	91	21	digital	digital	ADJ
fbem-16432	91	22	finance	finance	NOUN
fbem-16432	91	23	innovates	innovate	VERB
fbem-16432	91	24	and	and	CCONJ
fbem-16432	91	25	launches	launch	VERB
fbem-16432	91	26	new	new	ADJ
fbem-16432	91	27	types	type	NOUN
fbem-16432	91	28	of	of	ADP
fbem-16432	91	29	financial	financial	ADJ
fbem-16432	91	30	products	product	NOUN
fbem-16432	91	31	and	and	CCONJ
fbem-16432	91	32	services	service	NOUN
fbem-16432	91	33	such	such	ADJ
fbem-16432	91	34	as	as	ADP
fbem-16432	91	35	deposits	deposit	NOUN
fbem-16432	91	36	,	,	PUNCT
fbem-16432	91	37	payments	payment	NOUN
fbem-16432	91	38	,	,	PUNCT
fbem-16432	91	39	loans	loan	NOUN
fbem-16432	91	40	,	,	PUNCT
fbem-16432	91	41	insurance	insurance	NOUN
fbem-16432	91	42	and	and	CCONJ
fbem-16432	91	43	funds	fund	NOUN
fbem-16432	91	44	(	(	PUNCT
fbem-16432	91	45	such	such	ADJ
fbem-16432	91	46	as	as	ADP
fbem-16432	91	47	yu	yu	PRON
fbem-16432	91	48	'	'	PUNCT
fbem-16432	91	49	e	e	PROPN
fbem-16432	91	50	bao	bao	PROPN
fbem-16432	91	51	and	and	CCONJ
fbem-16432	91	52	wechat	wechat	PRON
fbem-16432	91	53	wealth	wealth	NOUN
fbem-16432	91	54	management	management	NOUN
fbem-16432	91	55	,	,	PUNCT
fbem-16432	91	56	etc	etc	X
fbem-16432	91	57	.	.	X
fbem-16432	91	58	)	)	PUNCT
fbem-16432	91	59	to	to	PART
fbem-16432	91	60	provide	provide	VERB
fbem-16432	91	61	families	family	NOUN
fbem-16432	91	62	with	with	ADP
fbem-16432	91	63	more	more	ADV
fbem-16432	91	64	diversified	diversified	ADJ
fbem-16432	91	65	asset	asset	NOUN
fbem-16432	91	66	allocation	allocation	NOUN
fbem-16432	91	67	options	option	NOUN
fbem-16432	91	68	and	and	CCONJ
fbem-16432	91	69	effectively	effectively	ADV
fbem-16432	91	70	enhance	enhance	VERB
fbem-16432	91	71	the	the	DET
fbem-16432	91	72	diversity	diversity	NOUN
fbem-16432	91	73	of	of	ADP
fbem-16432	91	74	financial	financial	ADJ
fbem-16432	91	75	products	product	NOUN
fbem-16432	91	76	and	and	CCONJ
fbem-16432	91	77	services	service	NOUN
fbem-16432	91	78	.	.	PUNCT
fbem-16432	92	1	(	(	PUNCT
fbem-16432	92	2	3	3	X
fbem-16432	92	3	)	)	PUNCT
fbem-16432	92	4	innovate	innovate	VERB
fbem-16432	92	5	payment	payment	NOUN
fbem-16432	92	6	methods	method	NOUN
fbem-16432	92	7	and	and	CCONJ
fbem-16432	92	8	improve	improve	VERB
fbem-16432	92	9	the	the	DET
fbem-16432	92	10	efficiency	efficiency	NOUN
fbem-16432	92	11	of	of	ADP
fbem-16432	92	12	financial	financial	ADJ
fbem-16432	92	13	transactions	transaction	NOUN
fbem-16432	92	14	the	the	DET
fbem-16432	92	15	progress	progress	NOUN
fbem-16432	92	16	of	of	ADP
fbem-16432	92	17	digital	digital	ADJ
fbem-16432	92	18	finance	finance	NOUN
fbem-16432	92	19	integrates	integrate	VERB
fbem-16432	92	20	the	the	DET
fbem-16432	92	21	internet	internet	NOUN
fbem-16432	92	22	,	,	PUNCT
fbem-16432	92	23	terminal	terminal	ADJ
fbem-16432	92	24	devices	device	NOUN
fbem-16432	92	25	and	and	CCONJ
fbem-16432	92	26	financial	financial	ADJ
fbem-16432	92	27	institutions	institution	NOUN
fbem-16432	92	28	to	to	PART
fbem-16432	92	29	form	form	VERB
fbem-16432	92	30	a	a	DET
fbem-16432	92	31	new	new	ADJ
fbem-16432	92	32	type	type	NOUN
fbem-16432	92	33	of	of	ADP
fbem-16432	92	34	payment	payment	NOUN
fbem-16432	92	35	system	system	NOUN
fbem-16432	92	36	as	as	ADP
fbem-16432	92	37	an	an	DET
fbem-16432	92	38	important	important	ADJ
fbem-16432	92	39	outcome	outcome	NOUN
fbem-16432	92	40	of	of	ADP
fbem-16432	92	41	the	the	DET
fbem-16432	92	42	digital	digital	ADJ
fbem-16432	92	43	financial	financial	ADJ
fbem-16432	92	44	revolution	revolution	NOUN
fbem-16432	92	45	.	.	PUNCT
fbem-16432	93	1	third	third	ADJ
fbem-16432	93	2	-	-	PUNCT
fbem-16432	93	3	party	party	NOUN
fbem-16432	93	4	payment	payment	NOUN
fbem-16432	93	5	and	and	CCONJ
fbem-16432	93	6	mobile	mobile	ADJ
fbem-16432	93	7	payment	payment	NOUN
fbem-16432	93	8	have	have	AUX
fbem-16432	93	9	promoted	promote	VERB
fbem-16432	93	10	the	the	DET
fbem-16432	93	11	integration	integration	NOUN
fbem-16432	93	12	of	of	ADP
fbem-16432	93	13	payment	payment	NOUN
fbem-16432	93	14	system	system	NOUN
fbem-16432	93	15	and	and	CCONJ
fbem-16432	93	16	network	network	NOUN
fbem-16432	93	17	and	and	CCONJ
fbem-16432	93	18	become	become	VERB
fbem-16432	93	19	a	a	DET
fbem-16432	93	20	key	key	ADJ
fbem-16432	93	21	component	component	NOUN
fbem-16432	93	22	of	of	ADP
fbem-16432	93	23	financial	financial	ADJ
fbem-16432	93	24	infrastructure	infrastructure	NOUN
fbem-16432	93	25	.	.	PUNCT
fbem-16432	94	1	the	the	DET
fbem-16432	94	2	impact	impact	NOUN
fbem-16432	94	3	on	on	ADP
fbem-16432	94	4	the	the	DET
fbem-16432	94	5	financial	financial	ADJ
fbem-16432	94	6	industry	industry	NOUN
fbem-16432	94	7	can	can	AUX
fbem-16432	94	8	be	be	AUX
fbem-16432	94	9	divided	divide	VERB
fbem-16432	94	10	into	into	ADP
fbem-16432	94	11	the	the	DET
fbem-16432	94	12	following	follow	VERB
fbem-16432	94	13	aspects	aspect	NOUN
fbem-16432	94	14	:	:	PUNCT
fbem-16432	95	1	1	1	X
fbem-16432	95	2	.	.	X
fbem-16432	95	3	the	the	DET
fbem-16432	95	4	popularity	popularity	NOUN
fbem-16432	95	5	of	of	ADP
fbem-16432	95	6	mobile	mobile	ADJ
fbem-16432	95	7	payment	payment	NOUN
fbem-16432	95	8	.	.	PUNCT
fbem-16432	96	1	traditional	traditional	ADJ
fbem-16432	96	2	payment	payment	NOUN
fbem-16432	96	3	methods	method	NOUN
fbem-16432	96	4	are	be	AUX
fbem-16432	96	5	mainly	mainly	ADV
fbem-16432	96	6	through	through	ADP
fbem-16432	96	7	bank	bank	NOUN
fbem-16432	96	8	cards	card	NOUN
fbem-16432	96	9	,	,	PUNCT
fbem-16432	96	10	pos	pos	NOUN
fbem-16432	96	11	machines	machine	NOUN
fbem-16432	96	12	,	,	PUNCT
fbem-16432	96	13	etc	etc	X
fbem-16432	96	14	.	.	X
fbem-16432	96	15	,	,	PUNCT
fbem-16432	96	16	while	while	SCONJ
fbem-16432	96	17	the	the	DET
fbem-16432	96	18	emergence	emergence	NOUN
fbem-16432	96	19	of	of	ADP
fbem-16432	96	20	mobile	mobile	ADJ
fbem-16432	96	21	payment	payment	NOUN
fbem-16432	96	22	apps	app	NOUN
fbem-16432	96	23	such	such	ADJ
fbem-16432	96	24	as	as	ADP
fbem-16432	96	25	yu	yu	PROPN
fbem-16432	96	26	'	'	PART
fbem-16432	96	27	e	e	PROPN
fbem-16432	96	28	bao	bao	PROPN
fbem-16432	96	29	and	and	CCONJ
fbem-16432	96	30	alipay	alipay	PROPN
fbem-16432	96	31	saves	save	VERB
fbem-16432	96	32	tedious	tedious	ADJ
fbem-16432	96	33	steps	step	NOUN
fbem-16432	96	34	such	such	ADJ
fbem-16432	96	35	as	as	ADP
fbem-16432	96	36	queuing	queue	VERB
fbem-16432	96	37	and	and	CCONJ
fbem-16432	96	38	swiping	swipe	VERB
fbem-16432	96	39	cards	card	NOUN
fbem-16432	96	40	,	,	PUNCT
fbem-16432	96	41	and	and	CCONJ
fbem-16432	96	42	only	only	ADV
fbem-16432	96	43	requires	require	VERB
fbem-16432	96	44	the	the	DET
fbem-16432	96	45	input	input	NOUN
fbem-16432	96	46	of	of	ADP
fbem-16432	96	47	the	the	DET
fbem-16432	96	48	password	password	NOUN
fbem-16432	96	49	by	by	ADP
fbem-16432	96	50	the	the	DET
fbem-16432	96	51	mobile	mobile	ADJ
fbem-16432	96	52	app	app	NOUN
fbem-16432	96	53	to	to	PART
fbem-16432	96	54	complete	complete	VERB
fbem-16432	96	55	the	the	DET
fbem-16432	96	56	payment	payment	NOUN
fbem-16432	96	57	,	,	PUNCT
fbem-16432	96	58	which	which	PRON
fbem-16432	96	59	is	be	AUX
fbem-16432	96	60	more	more	ADV
fbem-16432	96	61	popular	popular	ADJ
fbem-16432	96	62	and	and	CCONJ
fbem-16432	96	63	convenient	convenient	ADJ
fbem-16432	96	64	,	,	PUNCT
fbem-16432	96	65	making	make	VERB
fbem-16432	96	66	financial	financial	ADJ
fbem-16432	96	67	transactions	transaction	NOUN
fbem-16432	96	68	more	more	ADV
fbem-16432	96	69	efficient	efficient	ADJ
fbem-16432	96	70	and	and	CCONJ
fbem-16432	96	71	convenient	convenient	ADJ
fbem-16432	96	72	.	.	PUNCT
fbem-16432	97	1	2	2	X
fbem-16432	97	2	.	.	X
fbem-16432	97	3	the	the	DET
fbem-16432	97	4	application	application	NOUN
fbem-16432	97	5	of	of	ADP
fbem-16432	97	6	digital	digital	ADJ
fbem-16432	97	7	currency	currency	NOUN
fbem-16432	97	8	.	.	PUNCT
fbem-16432	98	1	digital	digital	ADJ
fbem-16432	98	2	currencies	currency	NOUN
fbem-16432	98	3	such	such	ADJ
fbem-16432	98	4	as	as	ADP
fbem-16432	98	5	bitcoin	bitcoin	NOUN
fbem-16432	98	6	can	can	AUX
fbem-16432	98	7	achieve	achieve	VERB
fbem-16432	98	8	decentralized	decentralized	ADJ
fbem-16432	98	9	transactions	transaction	NOUN
fbem-16432	98	10	using	use	VERB
fbem-16432	98	11	the	the	DET
fbem-16432	98	12	same	same	ADJ
fbem-16432	98	13	blockchain	blockchain	PROPN
fbem-16432	98	14	technology	technology	NOUN
fbem-16432	98	15	,	,	PUNCT
fbem-16432	98	16	avoiding	avoid	VERB
fbem-16432	98	17	the	the	DET
fbem-16432	98	18	dependence	dependence	NOUN
fbem-16432	98	19	of	of	ADP
fbem-16432	98	20	traditional	traditional	ADJ
fbem-16432	98	21	payment	payment	NOUN
fbem-16432	98	22	methods	method	NOUN
fbem-16432	98	23	on	on	ADP
fbem-16432	98	24	intermediaries	intermediary	NOUN
fbem-16432	98	25	,	,	PUNCT
fbem-16432	98	26	reducing	reduce	VERB
fbem-16432	98	27	transaction	transaction	NOUN
fbem-16432	98	28	costs	cost	NOUN
fbem-16432	98	29	and	and	CCONJ
fbem-16432	98	30	risks	risk	NOUN
fbem-16432	98	31	,	,	PUNCT
fbem-16432	98	32	and	and	CCONJ
fbem-16432	98	33	improving	improve	VERB
fbem-16432	98	34	transaction	transaction	NOUN
fbem-16432	98	35	efficiency	efficiency	NOUN
fbem-16432	98	36	.	.	PUNCT
fbem-16432	99	1	3	3	X
fbem-16432	99	2	.	.	X
fbem-16432	99	3	application	application	NOUN
fbem-16432	99	4	of	of	ADP
fbem-16432	99	5	blockchain	blockchain	PROPN
fbem-16432	99	6	technology	technology	PROPN
fbem-16432	99	7	.	.	PUNCT
fbem-16432	100	1	blockchain	blockchain	PROPN
fbem-16432	100	2	technology	technology	PROPN
fbem-16432	100	3	provides	provide	VERB
fbem-16432	100	4	financial	financial	ADJ
fbem-16432	100	5	institutions	institution	NOUN
fbem-16432	100	6	with	with	ADP
fbem-16432	100	7	a	a	DET
fbem-16432	100	8	secure	secure	ADJ
fbem-16432	100	9	,	,	PUNCT
fbem-16432	100	10	transparent	transparent	ADJ
fbem-16432	100	11	and	and	CCONJ
fbem-16432	100	12	decentralized	decentralize	VERB
fbem-16432	100	13	transaction	transaction	NOUN
fbem-16432	100	14	method	method	NOUN
fbem-16432	100	15	,	,	PUNCT
fbem-16432	100	16	through	through	ADP
fbem-16432	100	17	blockchain	blockchain	PROPN
fbem-16432	100	18	technology	technology	PROPN
fbem-16432	100	19	,	,	PUNCT
fbem-16432	100	20	financial	financial	ADJ
fbem-16432	100	21	institutions	institution	NOUN
fbem-16432	100	22	can	can	AUX
fbem-16432	100	23	reduce	reduce	VERB
fbem-16432	100	24	transaction	transaction	NOUN
fbem-16432	100	25	costs	cost	NOUN
fbem-16432	100	26	,	,	PUNCT
fbem-16432	100	27	improve	improve	VERB
fbem-16432	100	28	transaction	transaction	NOUN
fbem-16432	100	29	speed	speed	NOUN
fbem-16432	100	30	,	,	PUNCT
fbem-16432	100	31	but	but	CCONJ
fbem-16432	100	32	also	also	ADV
fbem-16432	100	33	improve	improve	VERB
fbem-16432	100	34	the	the	DET
fbem-16432	100	35	security	security	NOUN
fbem-16432	100	36	and	and	CCONJ
fbem-16432	100	37	transparency	transparency	NOUN
fbem-16432	100	38	of	of	ADP
fbem-16432	100	39	transactions	transaction	NOUN
fbem-16432	100	40	.	.	PUNCT
fbem-16432	101	1	(	(	PUNCT
fbem-16432	101	2	4	4	X
fbem-16432	101	3	)	)	PUNCT
fbem-16432	101	4	ease	ease	VERB
fbem-16432	101	5	information	information	NOUN
fbem-16432	101	6	asymmetry	asymmetry	NOUN
fbem-16432	101	7	and	and	CCONJ
fbem-16432	101	8	reduce	reduce	VERB
fbem-16432	101	9	financial	financial	ADJ
fbem-16432	101	10	transaction	transaction	NOUN
fbem-16432	101	11	costs	cost	VERB
fbem-16432	101	12	the	the	DET
fbem-16432	101	13	core	core	NOUN
fbem-16432	101	14	function	function	NOUN
fbem-16432	101	15	of	of	ADP
fbem-16432	101	16	finance	finance	NOUN
fbem-16432	101	17	is	be	AUX
fbem-16432	101	18	the	the	DET
fbem-16432	101	19	financing	financing	NOUN
fbem-16432	101	20	based	base	VERB
fbem-16432	101	21	on	on	ADP
fbem-16432	101	22	credit	credit	NOUN
fbem-16432	101	23	,	,	PUNCT
fbem-16432	101	24	and	and	CCONJ
fbem-16432	101	25	the	the	DET
fbem-16432	101	26	premise	premise	NOUN
fbem-16432	101	27	of	of	ADP
fbem-16432	101	28	credit	credit	NOUN
fbem-16432	101	29	is	be	AUX
fbem-16432	101	30	that	that	SCONJ
fbem-16432	101	31	market	market	NOUN
fbem-16432	101	32	participants	participant	NOUN
fbem-16432	101	33	have	have	VERB
fbem-16432	101	34	relatively	relatively	ADV
fbem-16432	101	35	complete	complete	ADJ
fbem-16432	101	36	information	information	NOUN
fbem-16432	101	37	.	.	PUNCT
fbem-16432	102	1	however	however	ADV
fbem-16432	102	2	,	,	PUNCT
fbem-16432	102	3	in	in	ADP
fbem-16432	102	4	the	the	DET
fbem-16432	102	5	actual	actual	ADJ
fbem-16432	102	6	market	market	NOUN
fbem-16432	102	7	economic	economic	ADJ
fbem-16432	102	8	activities	activity	NOUN
fbem-16432	102	9	,	,	PUNCT
fbem-16432	102	10	traders	trader	NOUN
fbem-16432	102	11	often	often	ADV
fbem-16432	102	12	have	have	VERB
fbem-16432	102	13	asymmetric	asymmetric	ADJ
fbem-16432	102	14	information	information	NOUN
fbem-16432	102	15	because	because	SCONJ
fbem-16432	102	16	of	of	ADP
fbem-16432	102	17	different	different	ADJ
fbem-16432	102	18	channels	channel	NOUN
fbem-16432	102	19	to	to	PART
fbem-16432	102	20	obtain	obtain	VERB
fbem-16432	102	21	information	information	NOUN
fbem-16432	102	22	and	and	CCONJ
fbem-16432	102	23	different	different	ADJ
fbem-16432	102	24	amounts	amount	NOUN
fbem-16432	102	25	of	of	ADP
fbem-16432	102	26	information	information	NOUN
fbem-16432	102	27	,	,	PUNCT
fbem-16432	102	28	resulting	result	VERB
fbem-16432	102	29	in	in	ADP
fbem-16432	102	30	high	high	ADJ
fbem-16432	102	31	transaction	transaction	NOUN
fbem-16432	102	32	costs	cost	NOUN
fbem-16432	102	33	,	,	PUNCT
fbem-16432	102	34	low	low	ADJ
fbem-16432	102	35	transaction	transaction	NOUN
fbem-16432	102	36	efficiency	efficiency	NOUN
fbem-16432	102	37	,	,	PUNCT
fbem-16432	102	38	and	and	CCONJ
fbem-16432	102	39	even	even	ADV
fbem-16432	102	40	market	market	NOUN
fbem-16432	102	41	failures	failure	NOUN
fbem-16432	102	42	.	.	PUNCT
fbem-16432	103	1	the	the	DET
fbem-16432	103	2	emergence	emergence	NOUN
fbem-16432	103	3	and	and	CCONJ
fbem-16432	103	4	development	development	NOUN
fbem-16432	103	5	of	of	ADP
fbem-16432	103	6	digital	digital	ADJ
fbem-16432	103	7	finance	finance	NOUN
fbem-16432	103	8	makes	make	VERB
fbem-16432	103	9	financial	financial	ADJ
fbem-16432	103	10	information	information	NOUN
fbem-16432	103	11	more	more	ADV
fbem-16432	103	12	transparent	transparent	ADJ
fbem-16432	103	13	and	and	CCONJ
fbem-16432	103	14	reduces	reduce	VERB
fbem-16432	103	15	transaction	transaction	NOUN
fbem-16432	103	16	costs	cost	NOUN
fbem-16432	103	17	.	.	PUNCT
fbem-16432	104	1	the	the	DET
fbem-16432	104	2	specific	specific	ADJ
fbem-16432	104	3	points	point	NOUN
fbem-16432	104	4	are	be	AUX
fbem-16432	104	5	as	as	SCONJ
fbem-16432	104	6	follows	follow	VERB
fbem-16432	104	7	:	:	PUNCT
fbem-16432	104	8	1	1	X
fbem-16432	104	9	.	.	X
fbem-16432	104	10	expand	expand	VERB
fbem-16432	104	11	information	information	NOUN
fbem-16432	104	12	channels	channel	NOUN
fbem-16432	104	13	and	and	CCONJ
fbem-16432	104	14	reduce	reduce	VERB
fbem-16432	104	15	information	information	NOUN
fbem-16432	104	16	acquisition	acquisition	NOUN
fbem-16432	104	17	costs	cost	NOUN
fbem-16432	104	18	.	.	PUNCT
fbem-16432	105	1	digital	digital	ADJ
fbem-16432	105	2	finance	finance	NOUN
fbem-16432	105	3	makes	make	VERB
fbem-16432	105	4	it	it	PRON
fbem-16432	105	5	more	more	ADV
fbem-16432	105	6	convenient	convenient	ADJ
fbem-16432	105	7	for	for	SCONJ
fbem-16432	105	8	investors	investor	NOUN
fbem-16432	105	9	and	and	CCONJ
fbem-16432	105	10	consumers	consumer	NOUN
fbem-16432	105	11	to	to	PART
fbem-16432	105	12	obtain	obtain	VERB
fbem-16432	105	13	financial	financial	ADJ
fbem-16432	105	14	information	information	NOUN
fbem-16432	105	15	through	through	ADP
fbem-16432	105	16	mobile	mobile	ADJ
fbem-16432	105	17	devices	device	NOUN
fbem-16432	105	18	,	,	PUNCT
fbem-16432	105	19	the	the	DET
fbem-16432	105	20	internet	internet	NOUN
fbem-16432	105	21	,	,	PUNCT
fbem-16432	105	22	financial	financial	ADJ
fbem-16432	105	23	apps	app	NOUN
fbem-16432	105	24	and	and	CCONJ
fbem-16432	105	25	other	other	ADJ
fbem-16432	105	26	channels	channel	NOUN
fbem-16432	105	27	,	,	PUNCT
fbem-16432	105	28	and	and	CCONJ
fbem-16432	105	29	reduces	reduce	VERB
fbem-16432	105	30	the	the	DET
fbem-16432	105	31	cost	cost	NOUN
fbem-16432	105	32	of	of	ADP
fbem-16432	105	33	information	information	NOUN
fbem-16432	105	34	acquisition	acquisition	NOUN
fbem-16432	105	35	.	.	PUNCT
fbem-16432	106	1	2	2	X
fbem-16432	106	2	.	.	X
fbem-16432	106	3	record	record	NOUN
fbem-16432	106	4	transaction	transaction	NOUN
fbem-16432	106	5	data	datum	NOUN
fbem-16432	106	6	.	.	PUNCT
fbem-16432	107	1	improve	improve	VERB
fbem-16432	107	2	information	information	NOUN
fbem-16432	107	3	transparency	transparency	NOUN
fbem-16432	107	4	.	.	PUNCT
fbem-16432	108	1	digital	digital	ADJ
fbem-16432	108	2	financial	financial	ADJ
fbem-16432	108	3	platforms	platform	NOUN
fbem-16432	108	4	are	be	AUX
fbem-16432	108	5	usually	usually	ADV
fbem-16432	108	6	able	able	ADJ
fbem-16432	108	7	to	to	PART
fbem-16432	108	8	provide	provide	VERB
fbem-16432	108	9	transparent	transparent	ADJ
fbem-16432	108	10	transaction	transaction	NOUN
fbem-16432	108	11	records	record	NOUN
fbem-16432	108	12	and	and	CCONJ
fbem-16432	108	13	data	datum	NOUN
fbem-16432	108	14	,	,	PUNCT
fbem-16432	108	15	so	so	SCONJ
fbem-16432	108	16	that	that	SCONJ
fbem-16432	108	17	both	both	DET
fbem-16432	108	18	sides	side	NOUN
fbem-16432	108	19	of	of	ADP
fbem-16432	108	20	the	the	DET
fbem-16432	108	21	transaction	transaction	NOUN
fbem-16432	108	22	can	can	AUX
fbem-16432	108	23	better	well	ADV
fbem-16432	108	24	understand	understand	VERB
fbem-16432	108	25	each	each	DET
fbem-16432	108	26	other	other	ADJ
fbem-16432	108	27	's	's	PART
fbem-16432	108	28	credit	credit	NOUN
fbem-16432	108	29	status	status	NOUN
fbem-16432	108	30	and	and	CCONJ
fbem-16432	108	31	transaction	transaction	NOUN
fbem-16432	108	32	history	history	NOUN
fbem-16432	108	33	,	,	PUNCT
fbem-16432	108	34	reducing	reduce	VERB
fbem-16432	108	35	the	the	DET
fbem-16432	108	36	risk	risk	NOUN
fbem-16432	108	37	of	of	ADP
fbem-16432	108	38	information	information	NOUN
fbem-16432	108	39	asymmetry	asymmetry	NOUN
fbem-16432	108	40	.	.	PUNCT
fbem-16432	109	1	3	3	X
fbem-16432	109	2	.	.	X
fbem-16432	109	3	use	use	VERB
fbem-16432	109	4	digital	digital	ADJ
fbem-16432	109	5	technology	technology	NOUN
fbem-16432	109	6	to	to	PART
fbem-16432	109	7	improve	improve	VERB
fbem-16432	109	8	the	the	DET
fbem-16432	109	9	efficiency	efficiency	NOUN
fbem-16432	109	10	of	of	ADP
fbem-16432	109	11	financial	financial	ADJ
fbem-16432	109	12	services	service	NOUN
fbem-16432	109	13	.	.	PUNCT
fbem-16432	110	1	through	through	ADP
fbem-16432	110	2	intelligent	intelligent	ADJ
fbem-16432	110	3	and	and	CCONJ
fbem-16432	110	4	automated	automate	VERB
fbem-16432	110	5	technical	technical	ADJ
fbem-16432	110	6	means	mean	NOUN
fbem-16432	110	7	,	,	PUNCT
fbem-16432	110	8	digital	digital	ADJ
fbem-16432	110	9	finance	finance	NOUN
fbem-16432	110	10	improves	improve	VERB
fbem-16432	110	11	the	the	DET
fbem-16432	110	12	efficiency	efficiency	NOUN
fbem-16432	110	13	and	and	CCONJ
fbem-16432	110	14	quality	quality	NOUN
fbem-16432	110	15	of	of	ADP
fbem-16432	110	16	financial	financial	ADJ
fbem-16432	110	17	services	service	NOUN
fbem-16432	110	18	,	,	PUNCT
fbem-16432	110	19	making	make	VERB
fbem-16432	110	20	financial	financial	ADJ
fbem-16432	110	21	services	service	NOUN
fbem-16432	110	22	more	more	ADV
fbem-16432	110	23	convenient	convenient	ADJ
fbem-16432	110	24	and	and	CCONJ
fbem-16432	110	25	efficient	efficient	ADJ
fbem-16432	110	26	.	.	PUNCT
fbem-16432	111	1	(	(	PUNCT
fbem-16432	111	2	5	5	X
fbem-16432	111	3	)	)	PUNCT
fbem-16432	111	4	improve	improve	VERB
fbem-16432	111	5	financial	financial	ADJ
fbem-16432	111	6	knowledge	knowledge	NOUN
fbem-16432	111	7	and	and	CCONJ
fbem-16432	111	8	investment	investment	NOUN
fbem-16432	111	9	awareness	awareness	NOUN
fbem-16432	111	10	relying	rely	VERB
fbem-16432	111	11	on	on	ADP
fbem-16432	111	12	big	big	ADJ
fbem-16432	111	13	data	datum	NOUN
fbem-16432	111	14	and	and	CCONJ
fbem-16432	111	15	big	big	ADJ
fbem-16432	111	16	technology	technology	NOUN
fbem-16432	111	17	platforms	platform	NOUN
fbem-16432	111	18	,	,	PUNCT
fbem-16432	111	19	digital	digital	ADJ
fbem-16432	111	20	finance	finance	NOUN
fbem-16432	111	21	enables	enable	VERB
fbem-16432	111	22	families	family	NOUN
fbem-16432	111	23	to	to	PART
fbem-16432	111	24	have	have	VERB
fbem-16432	111	25	more	more	ADJ
fbem-16432	111	26	channels	channel	NOUN
fbem-16432	111	27	and	and	CCONJ
fbem-16432	111	28	platforms	platform	NOUN
fbem-16432	111	29	for	for	ADP
fbem-16432	111	30	obtaining	obtain	VERB
fbem-16432	111	31	financial	financial	ADJ
fbem-16432	111	32	information	information	NOUN
fbem-16432	111	33	and	and	CCONJ
fbem-16432	111	34	knowledge	knowledge	NOUN
fbem-16432	111	35	,	,	PUNCT
fbem-16432	111	36	improves	improve	VERB
fbem-16432	111	37	the	the	DET
fbem-16432	111	38	financial	financial	ADJ
fbem-16432	111	39	knowledge	knowledge	NOUN
fbem-16432	111	40	level	level	NOUN
fbem-16432	111	41	of	of	ADP
fbem-16432	111	42	consumers	consumer	NOUN
fbem-16432	111	43	and	and	CCONJ
fbem-16432	111	44	investors	investor	NOUN
fbem-16432	111	45	,	,	PUNCT
fbem-16432	111	46	effectively	effectively	ADV
fbem-16432	111	47	stimulates	stimulate	VERB
fbem-16432	111	48	family	family	NOUN
fbem-16432	111	49	investment	investment	NOUN
fbem-16432	111	50	awareness	awareness	NOUN
fbem-16432	111	51	,	,	PUNCT
fbem-16432	111	52	and	and	CCONJ
fbem-16432	111	53	allocates	allocate	VERB
fbem-16432	111	54	more	more	ADJ
fbem-16432	111	55	funds	fund	NOUN
fbem-16432	111	56	to	to	ADP
fbem-16432	111	57	the	the	DET
fbem-16432	111	58	financial	financial	ADJ
fbem-16432	111	59	market	market	NOUN
fbem-16432	111	60	.	.	PUNCT
fbem-16432	112	1	to	to	PART
fbem-16432	112	2	be	be	AUX
fbem-16432	112	3	specific	specific	ADJ
fbem-16432	112	4	,	,	PUNCT
fbem-16432	112	5	the	the	DET
fbem-16432	112	6	development	development	NOUN
fbem-16432	112	7	of	of	ADP
fbem-16432	112	8	digital	digital	ADJ
fbem-16432	112	9	finance	finance	NOUN
fbem-16432	112	10	provides	provide	VERB
fbem-16432	112	11	1	1	NUM
fbem-16432	112	12	.	.	PUNCT
fbem-16432	112	13	convenient	convenient	ADJ
fbem-16432	112	14	learning	learning	NOUN
fbem-16432	112	15	resources	resource	NOUN
fbem-16432	112	16	:	:	PUNCT
fbem-16432	112	17	platforms	platform	NOUN
fbem-16432	112	18	supported	support	VERB
fbem-16432	112	19	by	by	ADP
fbem-16432	112	20	digital	digital	ADJ
fbem-16432	112	21	finance	finance	NOUN
fbem-16432	112	22	usually	usually	ADV
fbem-16432	112	23	provide	provide	VERB
fbem-16432	112	24	rich	rich	ADJ
fbem-16432	112	25	and	and	CCONJ
fbem-16432	112	26	diverse	diverse	ADJ
fbem-16432	112	27	financial	financial	ADJ
fbem-16432	112	28	knowledge	knowledge	NOUN
fbem-16432	112	29	and	and	CCONJ
fbem-16432	112	30	educational	educational	ADJ
fbem-16432	112	31	resources	resource	NOUN
fbem-16432	112	32	for	for	ADP
fbem-16432	112	33	learning	learn	VERB
fbem-16432	112	34	.	.	PUNCT
fbem-16432	113	1	investors	investor	NOUN
fbem-16432	113	2	can	can	AUX
fbem-16432	113	3	acquire	acquire	VERB
fbem-16432	113	4	financial	financial	ADJ
fbem-16432	113	5	knowledge	knowledge	NOUN
fbem-16432	113	6	and	and	CCONJ
fbem-16432	113	7	learn	learn	VERB
fbem-16432	113	8	investment	investment	NOUN
fbem-16432	113	9	skills	skill	NOUN
fbem-16432	113	10	through	through	ADP
fbem-16432	113	11	online	online	ADJ
fbem-16432	113	12	learning	learning	NOUN
fbem-16432	113	13	,	,	PUNCT
fbem-16432	113	14	reading	read	VERB
fbem-16432	113	15	tutorials	tutorial	NOUN
fbem-16432	113	16	,	,	PUNCT
fbem-16432	113	17	watching	watch	VERB
fbem-16432	113	18	teaching	teaching	NOUN
fbem-16432	113	19	videos	video	NOUN
fbem-16432	113	20	and	and	CCONJ
fbem-16432	113	21	other	other	ADJ
fbem-16432	113	22	ways	way	NOUN
fbem-16432	113	23	to	to	PART
fbem-16432	113	24	improve	improve	VERB
fbem-16432	113	25	their	their	PRON
fbem-16432	113	26	financial	financial	ADJ
fbem-16432	113	27	knowledge	knowledge	NOUN
fbem-16432	113	28	and	and	CCONJ
fbem-16432	113	29	investment	investment	NOUN
fbem-16432	113	30	awareness	awareness	NOUN
fbem-16432	113	31	.	.	PUNCT
fbem-16432	114	1	2	2	X
fbem-16432	114	2	.	.	X
fbem-16432	114	3	personalized	personalized	ADJ
fbem-16432	114	4	learning	learning	NOUN
fbem-16432	114	5	experience	experience	NOUN
fbem-16432	114	6	:	:	PUNCT
fbem-16432	114	7	a	a	DET
fbem-16432	114	8	major	major	ADJ
fbem-16432	114	9	difference	difference	NOUN
fbem-16432	114	10	between	between	ADP
fbem-16432	114	11	digital	digital	ADJ
fbem-16432	114	12	finance	finance	NOUN
fbem-16432	114	13	and	and	CCONJ
fbem-16432	114	14	traditional	traditional	ADJ
fbem-16432	114	15	finance	finance	NOUN
fbem-16432	114	16	is	be	AUX
fbem-16432	114	17	that	that	SCONJ
fbem-16432	114	18	digital	digital	ADJ
fbem-16432	114	19	finance	finance	NOUN
fbem-16432	114	20	will	will	AUX
fbem-16432	114	21	analyze	analyze	VERB
fbem-16432	114	22	users	user	NOUN
fbem-16432	114	23	'	'	PART
fbem-16432	114	24	interests	interest	NOUN
fbem-16432	114	25	and	and	CCONJ
fbem-16432	114	26	needs	need	VERB
fbem-16432	114	27	through	through	ADP
fbem-16432	114	28	various	various	ADJ
fbem-16432	114	29	technical	technical	ADJ
fbem-16432	114	30	means	mean	NOUN
fbem-16432	114	31	such	such	ADJ
fbem-16432	114	32	as	as	ADP
fbem-16432	114	33	data	datum	NOUN
fbem-16432	114	34	analysis	analysis	NOUN
fbem-16432	114	35	and	and	CCONJ
fbem-16432	114	36	machine	machine	NOUN
fbem-16432	114	37	learning	learning	NOUN
fbem-16432	114	38	,	,	PUNCT
fbem-16432	114	39	and	and	CCONJ
fbem-16432	114	40	provide	provide	VERB
fbem-16432	114	41	personalized	personalized	ADJ
fbem-16432	114	42	learning	learning	NOUN
fbem-16432	114	43	experience	experience	NOUN
fbem-16432	114	44	,	,	PUNCT
fbem-16432	114	45	recommend	recommend	VERB
fbem-16432	114	46	different	different	ADJ
fbem-16432	114	47	financial	financial	ADJ
fbem-16432	114	48	knowledge	knowledge	NOUN
fbem-16432	114	49	and	and	CCONJ
fbem-16432	114	50	learning	learn	VERB
fbem-16432	114	51	content	content	NOUN
fbem-16432	114	52	for	for	ADP
fbem-16432	114	53	different	different	ADJ
fbem-16432	114	54	users	user	NOUN
fbem-16432	114	55	,	,	PUNCT
fbem-16432	114	56	and	and	CCONJ
fbem-16432	114	57	improve	improve	VERB
fbem-16432	114	58	learning	learn	VERB
fbem-16432	114	59	effect	effect	NOUN
fbem-16432	114	60	and	and	CCONJ
fbem-16432	114	61	investment	investment	NOUN
fbem-16432	114	62	awareness	awareness	NOUN
fbem-16432	114	63	.	.	PUNCT
fbem-16432	115	1	3	3	X
fbem-16432	115	2	.	.	X
fbem-16432	115	3	real	real	ADJ
fbem-16432	115	4	-	-	PUNCT
fbem-16432	115	5	time	time	NOUN
fbem-16432	115	6	market	market	NOUN
fbem-16432	115	7	information	information	NOUN
fbem-16432	115	8	and	and	CCONJ
fbem-16432	115	9	transaction	transaction	NOUN
fbem-16432	115	10	data	datum	NOUN
fbem-16432	115	11	:	:	PUNCT
fbem-16432	115	12	digital	digital	ADJ
fbem-16432	115	13	financial	financial	ADJ
fbem-16432	115	14	platform	platform	NOUN
fbem-16432	115	15	can	can	AUX
fbem-16432	115	16	provide	provide	VERB
fbem-16432	115	17	market	market	NOUN
fbem-16432	115	18	information	information	NOUN
fbem-16432	115	19	and	and	CCONJ
fbem-16432	115	20	real	real	ADJ
fbem-16432	115	21	-	-	PUNCT
fbem-16432	115	22	time	time	NOUN
fbem-16432	115	23	transaction	transaction	NOUN
fbem-16432	115	24	data	datum	NOUN
fbem-16432	115	25	to	to	PART
fbem-16432	115	26	facilitate	facilitate	VERB
fbem-16432	115	27	users	user	NOUN
fbem-16432	115	28	to	to	PART
fbem-16432	115	29	timely	timely	ADV
fbem-16432	115	30	understand	understand	VERB
fbem-16432	115	31	financial	financial	ADJ
fbem-16432	115	32	market	market	NOUN
fbem-16432	115	33	dynamics	dynamic	NOUN
fbem-16432	115	34	and	and	CCONJ
fbem-16432	115	35	investment	investment	NOUN
fbem-16432	115	36	performance	performance	NOUN
fbem-16432	115	37	,	,	PUNCT
fbem-16432	115	38	more	more	ADV
fbem-16432	115	39	accurately	accurately	ADV
fbem-16432	115	40	grasp	grasp	VERB
fbem-16432	115	41	investment	investment	NOUN
fbem-16432	115	42	opportunities	opportunity	NOUN
fbem-16432	115	43	and	and	CCONJ
fbem-16432	115	44	risk	risk	NOUN
fbem-16432	115	45	points	point	NOUN
fbem-16432	115	46	,	,	PUNCT
fbem-16432	115	47	and	and	CCONJ
fbem-16432	115	48	improve	improve	VERB
fbem-16432	115	49	investment	investment	NOUN
fbem-16432	115	50	awareness	awareness	NOUN
fbem-16432	115	51	and	and	CCONJ
fbem-16432	115	52	investment	investment	NOUN
fbem-16432	115	53	decision	decision	NOUN
fbem-16432	115	54	-	-	PUNCT
fbem-16432	115	55	making	make	VERB
fbem-16432	115	56	ability	ability	NOUN
fbem-16432	115	57	.	.	PUNCT
fbem-16432	116	1	4	4	X
fbem-16432	116	2	.	.	X
fbem-16432	116	3	social	social	ADJ
fbem-16432	116	4	learning	learning	PROPN
fbem-16432	116	5	exchange	exchange	NOUN
fbem-16432	116	6	:	:	PUNCT
fbem-16432	116	7	the	the	DET
fbem-16432	116	8	digital	digital	ADJ
fbem-16432	116	9	financial	financial	ADJ
fbem-16432	116	10	platform	platform	NOUN
fbem-16432	116	11	provides	provide	VERB
fbem-16432	116	12	users	user	NOUN
fbem-16432	116	13	with	with	ADP
fbem-16432	116	14	social	social	ADJ
fbem-16432	116	15	learning	learning	NOUN
fbem-16432	116	16	functions	function	NOUN
fbem-16432	116	17	,	,	PUNCT
fbem-16432	116	18	and	and	CCONJ
fbem-16432	116	19	investors	investor	NOUN
fbem-16432	116	20	can	can	AUX
fbem-16432	116	21	communicate	communicate	VERB
fbem-16432	116	22	and	and	CCONJ
fbem-16432	116	23	discuss	discuss	VERB
fbem-16432	116	24	on	on	ADP
fbem-16432	116	25	the	the	DET
fbem-16432	116	26	social	social	ADJ
fbem-16432	116	27	learning	learning	NOUN
fbem-16432	116	28	platform	platform	NOUN
fbem-16432	116	29	to	to	PART
fbem-16432	116	30	share	share	VERB
fbem-16432	116	31	investment	investment	NOUN
fbem-16432	116	32	experience	experience	NOUN
fbem-16432	116	33	and	and	CCONJ
fbem-16432	116	34	investment	investment	NOUN
fbem-16432	116	35	views	view	NOUN
fbem-16432	116	36	.	.	PUNCT
fbem-16432	117	1	investment	investment	NOUN
fbem-16432	117	2	in	in	ADP
fbem-16432	117	3	financial	financial	ADJ
fbem-16432	117	4	market	market	NOUN
fbem-16432	117	5	is	be	AUX
fbem-16432	117	6	not	not	PART
fbem-16432	117	7	only	only	ADV
fbem-16432	117	8	an	an	DET
fbem-16432	117	9	economic	economic	ADJ
fbem-16432	117	10	behavior	behavior	NOUN
fbem-16432	117	11	,	,	PUNCT
fbem-16432	117	12	but	but	CCONJ
fbem-16432	117	13	also	also	ADV
fbem-16432	117	14	a	a	DET
fbem-16432	117	15	social	social	ADJ
fbem-16432	117	16	interaction	interaction	NOUN
fbem-16432	117	17	behavior	behavior	NOUN
fbem-16432	117	18	.	.	PUNCT
fbem-16432	118	1	the	the	DET
fbem-16432	118	2	social	social	ADJ
fbem-16432	118	3	learning	learning	NOUN
fbem-16432	118	4	platform	platform	NOUN
fbem-16432	118	5	provided	provide	VERB
fbem-16432	118	6	by	by	ADP
fbem-16432	118	7	digital	digital	ADJ
fbem-16432	118	8	finance	finance	NOUN
fbem-16432	118	9	and	and	CCONJ
fbem-16432	118	10	the	the	DET
fbem-16432	118	11	development	development	NOUN
fbem-16432	118	12	of	of	ADP
fbem-16432	118	13	network	network	NOUN
fbem-16432	118	14	informatization	informatization	NOUN
fbem-16432	118	15	are	be	AUX
fbem-16432	118	16	conducive	conducive	ADJ
fbem-16432	118	17	to	to	ADP
fbem-16432	118	18	investors	investor	NOUN
fbem-16432	118	19	'	'	PART
fbem-16432	118	20	learning	learning	NOUN
fbem-16432	118	21	and	and	CCONJ
fbem-16432	118	22	mastering	master	VERB
fbem-16432	118	23	more	more	ADJ
fbem-16432	118	24	financial	financial	ADJ
fbem-16432	118	25	knowledge	knowledge	NOUN
fbem-16432	118	26	,	,	PUNCT
fbem-16432	118	27	thus	thus	ADV
fbem-16432	118	28	promoting	promote	VERB
fbem-16432	118	29	their	their	PRON
fbem-16432	118	30	participation	participation	NOUN
fbem-16432	118	31	in	in	ADP
fbem-16432	118	32	financial	financial	ADJ
fbem-16432	118	33	market	market	NOUN
fbem-16432	118	34	investment	investment	NOUN
fbem-16432	118	35	.	.	PUNCT
fbem-16432	119	1	5	5	X
fbem-16432	119	2	.	.	X
fbem-16432	119	3	intelligent	intelligent	ADJ
fbem-16432	119	4	investment	investment	NOUN
fbem-16432	119	5	advice	advice	NOUN
fbem-16432	119	6	:	:	PUNCT
fbem-16432	119	7	the	the	DET
fbem-16432	119	8	digital	digital	ADJ
fbem-16432	119	9	financial	financial	ADJ
fbem-16432	119	10	platform	platform	NOUN
fbem-16432	119	11	relies	rely	VERB
fbem-16432	119	12	on	on	ADP
fbem-16432	119	13	big	big	ADJ
fbem-16432	119	14	data	datum	NOUN
fbem-16432	119	15	analysis	analysis	NOUN
fbem-16432	119	16	technology	technology	NOUN
fbem-16432	119	17	,	,	PUNCT
fbem-16432	119	18	artificial	artificial	ADJ
fbem-16432	119	19	intelligence	intelligence	NOUN
fbem-16432	119	20	technology	technology	NOUN
fbem-16432	119	21	,	,	PUNCT
fbem-16432	119	22	etc	etc	X
fbem-16432	119	23	.	.	X
fbem-16432	119	24	,	,	PUNCT
fbem-16432	119	25	to	to	PART
fbem-16432	119	26	provide	provide	VERB
fbem-16432	119	27	users	user	NOUN
fbem-16432	119	28	with	with	ADP
fbem-16432	119	29	intelligent	intelligent	ADJ
fbem-16432	119	30	investment	investment	NOUN
fbem-16432	119	31	advice	advice	NOUN
fbem-16432	119	32	and	and	CCONJ
fbem-16432	119	33	risk	risk	NOUN
fbem-16432	119	34	assessment	assessment	NOUN
fbem-16432	119	35	,	,	PUNCT
fbem-16432	119	36	help	help	VERB
fbem-16432	119	37	users	user	NOUN
fbem-16432	119	38	understand	understand	VERB
fbem-16432	119	39	their	their	PRON
fbem-16432	119	40	own	own	ADJ
fbem-16432	119	41	investment	investment	NOUN
fbem-16432	119	42	situation	situation	NOUN
fbem-16432	119	43	and	and	CCONJ
fbem-16432	119	44	risk	risk	NOUN
fbem-16432	119	45	tolerance	tolerance	NOUN
fbem-16432	119	46	level	level	NOUN
fbem-16432	119	47	,	,	PUNCT
fbem-16432	119	48	and	and	CCONJ
fbem-16432	119	49	make	make	VERB
fbem-16432	119	50	more	more	ADV
fbem-16432	119	51	intelligent	intelligent	ADJ
fbem-16432	119	52	investment	investment	NOUN
fbem-16432	119	53	decisions	decision	NOUN
fbem-16432	119	54	.	.	PUNCT
fbem-16432	120	1	indirect	indirect	ADJ
fbem-16432	120	2	effect	effect	NOUN
fbem-16432	120	3	the	the	DET
fbem-16432	120	4	indirect	indirect	ADJ
fbem-16432	120	5	impact	impact	NOUN
fbem-16432	120	6	of	of	ADP
fbem-16432	120	7	digital	digital	ADJ
fbem-16432	120	8	finance	finance	NOUN
fbem-16432	120	9	on	on	ADP
fbem-16432	120	10	households	household	NOUN
fbem-16432	120	11	'	'	PART
fbem-16432	120	12	participation	participation	NOUN
fbem-16432	120	13	in	in	ADP
fbem-16432	120	14	financial	financial	ADJ
fbem-16432	120	15	markets	market	NOUN
fbem-16432	120	16	and	and	CCONJ
fbem-16432	120	17	allocation	allocation	NOUN
fbem-16432	120	18	of	of	ADP
fbem-16432	120	19	financial	financial	ADJ
fbem-16432	120	20	assets	asset	NOUN
fbem-16432	120	21	is	be	AUX
fbem-16432	120	22	mainly	mainly	ADV
fbem-16432	120	23	realized	realize	VERB
fbem-16432	120	24	through	through	ADP
fbem-16432	120	25	promoting	promote	VERB
fbem-16432	120	26	economic	economic	ADJ
fbem-16432	120	27	growth	growth	NOUN
fbem-16432	120	28	,	,	PUNCT
fbem-16432	120	29	driving	drive	VERB
fbem-16432	120	30	wealth	wealth	NOUN
fbem-16432	120	31	accumulation	accumulation	NOUN
fbem-16432	120	32	in	in	ADP
fbem-16432	120	33	the	the	DET
fbem-16432	120	34	household	household	NOUN
fbem-16432	120	35	sector	sector	NOUN
fbem-16432	120	36	,	,	PUNCT
fbem-16432	120	37	promoting	promote	VERB
fbem-16432	120	38	financial	financial	ADJ
fbem-16432	120	39	equity	equity	NOUN
fbem-16432	120	40	and	and	CCONJ
fbem-16432	120	41	promoting	promote	VERB
fbem-16432	120	42	common	common	ADJ
fbem-16432	120	43	prosperity	prosperity	NOUN
fbem-16432	120	44	.	.	PUNCT
fbem-16432	121	1	first	first	ADV
fbem-16432	121	2	,	,	PUNCT
fbem-16432	121	3	digital	digital	ADJ
fbem-16432	121	4	finance	finance	NOUN
fbem-16432	121	5	adapts	adapt	VERB
fbem-16432	121	6	to	to	ADP
fbem-16432	121	7	the	the	DET
fbem-16432	121	8	development	development	NOUN
fbem-16432	121	9	trend	trend	NOUN
fbem-16432	121	10	of	of	ADP
fbem-16432	121	11	china	china	PROPN
fbem-16432	121	12	's	's	PART
fbem-16432	121	13	digital	digital	ADJ
fbem-16432	121	14	economy	economy	NOUN
fbem-16432	121	15	,	,	PUNCT
fbem-16432	121	16	meets	meet	VERB
fbem-16432	121	17	china	china	PROPN
fbem-16432	121	18	's	's	PART
fbem-16432	121	19	huge	huge	ADJ
fbem-16432	121	20	and	and	CCONJ
fbem-16432	121	21	diversified	diversified	ADJ
fbem-16432	121	22	financial	financial	ADJ
fbem-16432	121	23	needs	need	NOUN
fbem-16432	121	24	,	,	PUNCT
fbem-16432	121	25	and	and	CCONJ
fbem-16432	121	26	can	can	AUX
fbem-16432	121	27	promote	promote	VERB
fbem-16432	121	28	high	high	ADJ
fbem-16432	121	29	-	-	PUNCT
fbem-16432	121	30	quality	quality	NOUN
fbem-16432	121	31	economic	economic	ADJ
fbem-16432	121	32	development	development	NOUN
fbem-16432	121	33	.	.	PUNCT
fbem-16432	122	1	through	through	ADP
fbem-16432	122	2	digital	digital	ADJ
fbem-16432	122	3	means	mean	NOUN
fbem-16432	122	4	,	,	PUNCT
fbem-16432	122	5	digital	digital	ADJ
fbem-16432	122	6	finance	finance	NOUN
fbem-16432	122	7	enables	enable	VERB
fbem-16432	122	8	financial	financial	ADJ
fbem-16432	122	9	resources	resource	NOUN
fbem-16432	122	10	to	to	PART
fbem-16432	122	11	flow	flow	VERB
fbem-16432	122	12	and	and	CCONJ
fbem-16432	122	13	allocate	allocate	VERB
fbem-16432	122	14	more	more	ADV
fbem-16432	122	15	effectively	effectively	ADV
fbem-16432	122	16	,	,	PUNCT
fbem-16432	122	17	improves	improve	VERB
fbem-16432	122	18	the	the	DET
fbem-16432	122	19	efficiency	efficiency	NOUN
fbem-16432	122	20	of	of	ADP
fbem-16432	122	21	the	the	DET
fbem-16432	122	22	use	use	NOUN
fbem-16432	122	23	of	of	ADP
fbem-16432	122	24	funds	fund	NOUN
fbem-16432	122	25	,	,	PUNCT
fbem-16432	122	26	flows	flow	VERB
fbem-16432	122	27	more	more	ADV
fbem-16432	122	28	accurately	accurately	ADV
fbem-16432	122	29	to	to	ADP
fbem-16432	122	30	efficient	efficient	ADJ
fbem-16432	122	31	areas	area	NOUN
fbem-16432	122	32	and	and	CCONJ
fbem-16432	122	33	enterprises	enterprise	NOUN
fbem-16432	122	34	in	in	ADP
fbem-16432	122	35	the	the	DET
fbem-16432	122	36	real	real	ADJ
fbem-16432	122	37	economy	economy	NOUN
fbem-16432	122	38	,	,	PUNCT
fbem-16432	122	39	and	and	CCONJ
fbem-16432	122	40	promotes	promote	VERB
fbem-16432	122	41	high	high	ADJ
fbem-16432	122	42	-	-	PUNCT
fbem-16432	122	43	quality	quality	NOUN
fbem-16432	122	44	economic	economic	ADJ
fbem-16432	122	45	development	development	NOUN
fbem-16432	122	46	25	25	NUM
fbem-16432	122	47	and	and	CCONJ
fbem-16432	122	48	innovation	innovation	NOUN
fbem-16432	122	49	.	.	PUNCT
fbem-16432	123	1	micro	micro	NOUN
fbem-16432	123	2	,	,	PUNCT
fbem-16432	123	3	small	small	ADJ
fbem-16432	123	4	and	and	CCONJ
fbem-16432	123	5	medium	medium	ADJ
fbem-16432	123	6	-	-	PUNCT
fbem-16432	123	7	sized	sized	ADJ
fbem-16432	123	8	enterprises	enterprise	NOUN
fbem-16432	123	9	occupy	occupy	VERB
fbem-16432	123	10	an	an	DET
fbem-16432	123	11	important	important	ADJ
fbem-16432	123	12	position	position	NOUN
fbem-16432	123	13	in	in	ADP
fbem-16432	123	14	china	china	PROPN
fbem-16432	123	15	's	's	PART
fbem-16432	123	16	economic	economic	ADJ
fbem-16432	123	17	development	development	NOUN
fbem-16432	123	18	.	.	PUNCT
fbem-16432	124	1	according	accord	VERB
fbem-16432	124	2	to	to	ADP
fbem-16432	124	3	data	datum	NOUN
fbem-16432	124	4	,	,	PUNCT
fbem-16432	124	5	small	small	ADJ
fbem-16432	124	6	and	and	CCONJ
fbem-16432	124	7	medium	medium	ADJ
fbem-16432	124	8	-	-	PUNCT
fbem-16432	124	9	sized	sized	ADJ
fbem-16432	124	10	enterprises	enterprise	NOUN
fbem-16432	124	11	contribute	contribute	VERB
fbem-16432	124	12	60	60	NUM
fbem-16432	124	13	%	%	NOUN
fbem-16432	124	14	of	of	ADP
fbem-16432	124	15	china	china	PROPN
fbem-16432	124	16	's	's	PART
fbem-16432	124	17	gdp	gdp	NOUN
fbem-16432	124	18	and	and	CCONJ
fbem-16432	124	19	80	80	NUM
fbem-16432	124	20	%	%	NOUN
fbem-16432	124	21	of	of	ADP
fbem-16432	124	22	urban	urban	ADJ
fbem-16432	124	23	employment	employment	NOUN
fbem-16432	124	24	.	.	PUNCT
fbem-16432	125	1	however	however	ADV
fbem-16432	125	2	,	,	PUNCT
fbem-16432	125	3	in	in	ADP
fbem-16432	125	4	the	the	DET
fbem-16432	125	5	traditional	traditional	ADJ
fbem-16432	125	6	financial	financial	ADJ
fbem-16432	125	7	system	system	NOUN
fbem-16432	125	8	,	,	PUNCT
fbem-16432	125	9	micro	micro	NOUN
fbem-16432	125	10	,	,	PUNCT
fbem-16432	125	11	small	small	ADJ
fbem-16432	125	12	and	and	CCONJ
fbem-16432	125	13	medium	medium	ADJ
fbem-16432	125	14	-	-	PUNCT
fbem-16432	125	15	sized	sized	ADJ
fbem-16432	125	16	enterprises	enterprise	NOUN
fbem-16432	125	17	and	and	CCONJ
fbem-16432	125	18	selfemployed	selfemploye	VERB
fbem-16432	125	19	people	people	NOUN
fbem-16432	125	20	often	often	ADV
fbem-16432	125	21	have	have	VERB
fbem-16432	125	22	difficulty	difficulty	NOUN
fbem-16432	125	23	in	in	ADP
fbem-16432	125	24	obtaining	obtain	VERB
fbem-16432	125	25	loans	loan	NOUN
fbem-16432	125	26	or	or	CCONJ
fbem-16432	125	27	need	need	VERB
fbem-16432	125	28	to	to	PART
fbem-16432	125	29	pay	pay	VERB
fbem-16432	125	30	high	high	ADJ
fbem-16432	125	31	interest	interest	NOUN
fbem-16432	125	32	due	due	ADP
fbem-16432	125	33	to	to	ADP
fbem-16432	125	34	reasons	reason	NOUN
fbem-16432	125	35	such	such	ADJ
fbem-16432	125	36	as	as	ADP
fbem-16432	125	37	not	not	PART
fbem-16432	125	38	reaching	reach	VERB
fbem-16432	125	39	the	the	DET
fbem-16432	125	40	financing	financing	NOUN
fbem-16432	125	41	threshold	threshold	NOUN
fbem-16432	125	42	.	.	PUNCT
fbem-16432	126	1	financing	financing	NOUN
fbem-16432	126	2	difficulties	difficulty	NOUN
fbem-16432	126	3	have	have	AUX
fbem-16432	126	4	become	become	VERB
fbem-16432	126	5	an	an	DET
fbem-16432	126	6	important	important	ADJ
fbem-16432	126	7	problem	problem	NOUN
fbem-16432	126	8	restricting	restrict	VERB
fbem-16432	126	9	development	development	NOUN
fbem-16432	126	10	.	.	PUNCT
fbem-16432	127	1	the	the	DET
fbem-16432	127	2	rapid	rapid	ADJ
fbem-16432	127	3	development	development	NOUN
fbem-16432	127	4	of	of	ADP
fbem-16432	127	5	digital	digital	ADJ
fbem-16432	127	6	finance	finance	NOUN
fbem-16432	127	7	provides	provide	VERB
fbem-16432	127	8	more	more	ADV
fbem-16432	127	9	diversified	diversified	ADJ
fbem-16432	127	10	channels	channel	NOUN
fbem-16432	127	11	and	and	CCONJ
fbem-16432	127	12	financing	financing	NOUN
fbem-16432	127	13	methods	method	NOUN
fbem-16432	127	14	for	for	ADP
fbem-16432	127	15	micro	micro	NOUN
fbem-16432	127	16	,	,	PUNCT
fbem-16432	127	17	small	small	ADJ
fbem-16432	127	18	and	and	CCONJ
fbem-16432	127	19	medium	medium	ADJ
fbem-16432	127	20	-	-	PUNCT
fbem-16432	127	21	sized	sized	ADJ
fbem-16432	127	22	enterprises	enterprise	NOUN
fbem-16432	127	23	and	and	CCONJ
fbem-16432	127	24	self	self	NOUN
fbem-16432	127	25	-	-	PUNCT
fbem-16432	127	26	employed	employ	VERB
fbem-16432	127	27	individuals	individual	NOUN
fbem-16432	127	28	.	.	PUNCT
fbem-16432	128	1	even	even	ADV
fbem-16432	128	2	if	if	SCONJ
fbem-16432	128	3	financing	financing	NOUN
fbem-16432	128	4	can	can	AUX
fbem-16432	128	5	not	not	PART
fbem-16432	128	6	be	be	AUX
fbem-16432	128	7	obtained	obtain	VERB
fbem-16432	128	8	from	from	ADP
fbem-16432	128	9	commercial	commercial	ADJ
fbem-16432	128	10	banks	bank	NOUN
fbem-16432	128	11	,	,	PUNCT
fbem-16432	128	12	financing	financing	NOUN
fbem-16432	128	13	needs	need	NOUN
fbem-16432	128	14	can	can	AUX
fbem-16432	128	15	be	be	AUX
fbem-16432	128	16	met	meet	VERB
fbem-16432	128	17	through	through	ADP
fbem-16432	128	18	other	other	ADJ
fbem-16432	128	19	channels	channel	NOUN
fbem-16432	128	20	or	or	CCONJ
fbem-16432	128	21	platforms	platform	NOUN
fbem-16432	128	22	.	.	PUNCT
fbem-16432	129	1	both	both	CCONJ
fbem-16432	129	2	the	the	DET
fbem-16432	129	3	supply	supply	NOUN
fbem-16432	129	4	and	and	CCONJ
fbem-16432	129	5	demand	demand	NOUN
fbem-16432	129	6	of	of	ADP
fbem-16432	129	7	funds	fund	NOUN
fbem-16432	129	8	can	can	AUX
fbem-16432	129	9	directly	directly	ADV
fbem-16432	129	10	transact	transact	VERB
fbem-16432	129	11	,	,	PUNCT
fbem-16432	129	12	realizing	realize	VERB
fbem-16432	129	13	the	the	DET
fbem-16432	129	14	efficient	efficient	ADJ
fbem-16432	129	15	flow	flow	NOUN
fbem-16432	129	16	and	and	CCONJ
fbem-16432	129	17	allocation	allocation	NOUN
fbem-16432	129	18	of	of	ADP
fbem-16432	129	19	financial	financial	ADJ
fbem-16432	129	20	resources	resource	NOUN
fbem-16432	129	21	,	,	PUNCT
fbem-16432	129	22	and	and	CCONJ
fbem-16432	129	23	providing	provide	VERB
fbem-16432	129	24	a	a	DET
fbem-16432	129	25	new	new	ADJ
fbem-16432	129	26	driving	driving	NOUN
fbem-16432	129	27	force	force	NOUN
fbem-16432	129	28	for	for	ADP
fbem-16432	129	29	the	the	DET
fbem-16432	129	30	development	development	NOUN
fbem-16432	129	31	of	of	ADP
fbem-16432	129	32	china	china	PROPN
fbem-16432	129	33	's	's	PART
fbem-16432	129	34	real	real	ADJ
fbem-16432	129	35	economy	economy	NOUN
fbem-16432	129	36	.	.	PUNCT
fbem-16432	130	1	second	second	ADV
fbem-16432	130	2	,	,	PUNCT
fbem-16432	130	3	the	the	DET
fbem-16432	130	4	development	development	NOUN
fbem-16432	130	5	of	of	ADP
fbem-16432	130	6	digital	digital	ADJ
fbem-16432	130	7	finance	finance	NOUN
fbem-16432	130	8	has	have	AUX
fbem-16432	130	9	expanded	expand	VERB
fbem-16432	130	10	the	the	DET
fbem-16432	130	11	channels	channel	NOUN
fbem-16432	130	12	and	and	CCONJ
fbem-16432	130	13	ways	way	NOUN
fbem-16432	130	14	of	of	ADP
fbem-16432	130	15	household	household	NOUN
fbem-16432	130	16	wealth	wealth	NOUN
fbem-16432	130	17	accumulation	accumulation	NOUN
fbem-16432	130	18	and	and	CCONJ
fbem-16432	130	19	improved	improve	VERB
fbem-16432	130	20	the	the	DET
fbem-16432	130	21	level	level	NOUN
fbem-16432	130	22	of	of	ADP
fbem-16432	130	23	household	household	NOUN
fbem-16432	130	24	wealth	wealth	NOUN
fbem-16432	130	25	.	.	PUNCT
fbem-16432	131	1	with	with	ADP
fbem-16432	131	2	digital	digital	ADJ
fbem-16432	131	3	technology	technology	NOUN
fbem-16432	131	4	as	as	ADP
fbem-16432	131	5	the	the	DET
fbem-16432	131	6	medium	medium	NOUN
fbem-16432	131	7	,	,	PUNCT
fbem-16432	131	8	digital	digital	ADJ
fbem-16432	131	9	finance	finance	NOUN
fbem-16432	131	10	has	have	VERB
fbem-16432	131	11	significant	significant	ADJ
fbem-16432	131	12	advantages	advantage	NOUN
fbem-16432	131	13	in	in	ADP
fbem-16432	131	14	enriching	enrich	VERB
fbem-16432	131	15	financial	financial	ADJ
fbem-16432	131	16	products	product	NOUN
fbem-16432	131	17	and	and	CCONJ
fbem-16432	131	18	services	service	NOUN
fbem-16432	131	19	,	,	PUNCT
fbem-16432	131	20	improving	improve	VERB
fbem-16432	131	21	household	household	NOUN
fbem-16432	131	22	investment	investment	NOUN
fbem-16432	131	23	returns	return	NOUN
fbem-16432	131	24	,	,	PUNCT
fbem-16432	131	25	and	and	CCONJ
fbem-16432	131	26	promoting	promote	VERB
fbem-16432	131	27	employment	employment	NOUN
fbem-16432	131	28	and	and	CCONJ
fbem-16432	131	29	entrepreneurship	entrepreneurship	NOUN
fbem-16432	131	30	of	of	ADP
fbem-16432	131	31	residents	resident	NOUN
fbem-16432	131	32	.	.	PUNCT
fbem-16432	132	1	the	the	DET
fbem-16432	132	2	diversified	diversified	ADJ
fbem-16432	132	3	financial	financial	ADJ
fbem-16432	132	4	products	product	NOUN
fbem-16432	132	5	and	and	CCONJ
fbem-16432	132	6	services	service	NOUN
fbem-16432	132	7	provided	provide	VERB
fbem-16432	132	8	by	by	ADP
fbem-16432	132	9	digital	digital	ADJ
fbem-16432	132	10	finance	finance	NOUN
fbem-16432	132	11	can	can	AUX
fbem-16432	132	12	meet	meet	VERB
fbem-16432	132	13	the	the	DET
fbem-16432	132	14	financial	financial	ADJ
fbem-16432	132	15	needs	need	NOUN
fbem-16432	132	16	of	of	ADP
fbem-16432	132	17	different	different	ADJ
fbem-16432	132	18	families	family	NOUN
fbem-16432	132	19	,	,	PUNCT
fbem-16432	132	20	while	while	SCONJ
fbem-16432	132	21	matching	match	VERB
fbem-16432	132	22	financial	financial	ADJ
fbem-16432	132	23	investment	investment	NOUN
fbem-16432	132	24	strategies	strategy	NOUN
fbem-16432	132	25	for	for	ADP
fbem-16432	132	26	different	different	ADJ
fbem-16432	132	27	families	family	NOUN
fbem-16432	132	28	according	accord	VERB
fbem-16432	132	29	to	to	ADP
fbem-16432	132	30	risk	risk	NOUN
fbem-16432	132	31	appetite	appetite	NOUN
fbem-16432	132	32	and	and	CCONJ
fbem-16432	132	33	capital	capital	NOUN
fbem-16432	132	34	status	status	NOUN
fbem-16432	132	35	,	,	PUNCT
fbem-16432	132	36	providing	provide	VERB
fbem-16432	132	37	personalized	personalized	ADJ
fbem-16432	132	38	services	service	NOUN
fbem-16432	132	39	and	and	CCONJ
fbem-16432	132	40	improving	improve	VERB
fbem-16432	132	41	family	family	NOUN
fbem-16432	132	42	investment	investment	NOUN
fbem-16432	132	43	returns	return	NOUN
fbem-16432	132	44	.	.	PUNCT
fbem-16432	133	1	in	in	ADP
fbem-16432	133	2	addition	addition	NOUN
fbem-16432	133	3	,	,	PUNCT
fbem-16432	133	4	the	the	DET
fbem-16432	133	5	digital	digital	ADJ
fbem-16432	133	6	financial	financial	ADJ
fbem-16432	133	7	platform	platform	NOUN
fbem-16432	133	8	provides	provide	VERB
fbem-16432	133	9	a	a	DET
fbem-16432	133	10	wealth	wealth	NOUN
fbem-16432	133	11	of	of	ADP
fbem-16432	133	12	shared	share	VERB
fbem-16432	133	13	information	information	NOUN
fbem-16432	133	14	,	,	PUNCT
fbem-16432	133	15	families	family	NOUN
fbem-16432	133	16	can	can	AUX
fbem-16432	133	17	more	more	ADV
fbem-16432	133	18	easily	easily	ADV
fbem-16432	133	19	and	and	CCONJ
fbem-16432	133	20	quickly	quickly	ADV
fbem-16432	133	21	access	access	NOUN
fbem-16432	133	22	to	to	ADP
fbem-16432	133	23	market	market	NOUN
fbem-16432	133	24	information	information	NOUN
fbem-16432	133	25	and	and	CCONJ
fbem-16432	133	26	industry	industry	NOUN
fbem-16432	133	27	development	development	NOUN
fbem-16432	133	28	trends	trend	NOUN
fbem-16432	133	29	,	,	PUNCT
fbem-16432	133	30	better	well	ADJ
fbem-16432	133	31	grasp	grasp	NOUN
fbem-16432	133	32	market	market	NOUN
fbem-16432	133	33	and	and	CCONJ
fbem-16432	133	34	industry	industry	NOUN
fbem-16432	133	35	opportunities	opportunity	NOUN
fbem-16432	133	36	,	,	PUNCT
fbem-16432	133	37	and	and	CCONJ
fbem-16432	133	38	promote	promote	VERB
fbem-16432	133	39	the	the	DET
fbem-16432	133	40	success	success	NOUN
fbem-16432	133	41	of	of	ADP
fbem-16432	133	42	employment	employment	NOUN
fbem-16432	133	43	and	and	CCONJ
fbem-16432	133	44	entrepreneurship	entrepreneurship	NOUN
fbem-16432	133	45	.	.	PUNCT
fbem-16432	134	1	third	third	ADJ
fbem-16432	134	2	,	,	PUNCT
fbem-16432	134	3	the	the	DET
fbem-16432	134	4	inclusive	inclusive	ADJ
fbem-16432	134	5	features	feature	NOUN
fbem-16432	134	6	of	of	ADP
fbem-16432	134	7	digital	digital	ADJ
fbem-16432	134	8	finance	finance	NOUN
fbem-16432	134	9	play	play	VERB
fbem-16432	134	10	a	a	DET
fbem-16432	134	11	huge	huge	ADJ
fbem-16432	134	12	role	role	NOUN
fbem-16432	134	13	in	in	ADP
fbem-16432	134	14	promoting	promote	VERB
fbem-16432	134	15	financial	financial	ADJ
fbem-16432	134	16	equity	equity	NOUN
fbem-16432	134	17	and	and	CCONJ
fbem-16432	134	18	common	common	ADJ
fbem-16432	134	19	prosperity	prosperity	NOUN
fbem-16432	134	20	,	,	PUNCT
fbem-16432	134	21	narrowing	narrow	VERB
fbem-16432	134	22	the	the	DET
fbem-16432	134	23	huge	huge	ADJ
fbem-16432	134	24	differences	difference	NOUN
fbem-16432	134	25	in	in	ADP
fbem-16432	134	26	financial	financial	ADJ
fbem-16432	134	27	market	market	NOUN
fbem-16432	134	28	participation	participation	NOUN
fbem-16432	134	29	and	and	CCONJ
fbem-16432	134	30	financial	financial	ADJ
fbem-16432	134	31	asset	asset	NOUN
fbem-16432	134	32	allocation	allocation	NOUN
fbem-16432	134	33	behaviors	behavior	NOUN
fbem-16432	134	34	between	between	ADP
fbem-16432	134	35	developed	developed	ADJ
fbem-16432	134	36	or	or	CCONJ
fbem-16432	134	37	urban	urban	ADJ
fbem-16432	134	38	households	household	NOUN
fbem-16432	134	39	and	and	CCONJ
fbem-16432	134	40	less	less	ADV
fbem-16432	134	41	developed	developed	ADJ
fbem-16432	134	42	or	or	CCONJ
fbem-16432	134	43	rural	rural	ADJ
fbem-16432	134	44	households	household	NOUN
fbem-16432	134	45	,	,	PUNCT
fbem-16432	134	46	which	which	PRON
fbem-16432	134	47	is	be	AUX
fbem-16432	134	48	conducive	conducive	ADJ
fbem-16432	134	49	to	to	ADP
fbem-16432	134	50	easing	ease	VERB
fbem-16432	134	51	the	the	DET
fbem-16432	134	52	urban	urban	ADJ
fbem-16432	134	53	-	-	PUNCT
fbem-16432	134	54	rural	rural	ADJ
fbem-16432	134	55	dual	dual	ADJ
fbem-16432	134	56	structure	structure	NOUN
fbem-16432	134	57	.	.	PUNCT
fbem-16432	135	1	compared	compare	VERB
fbem-16432	135	2	with	with	ADP
fbem-16432	135	3	households	household	NOUN
fbem-16432	135	4	in	in	ADP
fbem-16432	135	5	developed	develop	VERB
fbem-16432	135	6	areas	area	NOUN
fbem-16432	135	7	and	and	CCONJ
fbem-16432	135	8	cities	city	NOUN
fbem-16432	135	9	,	,	PUNCT
fbem-16432	135	10	households	household	NOUN
fbem-16432	135	11	in	in	ADP
fbem-16432	135	12	underdeveloped	underdeveloped	ADJ
fbem-16432	135	13	areas	area	NOUN
fbem-16432	135	14	or	or	CCONJ
fbem-16432	135	15	rural	rural	ADJ
fbem-16432	135	16	areas	area	NOUN
fbem-16432	135	17	have	have	VERB
fbem-16432	135	18	relatively	relatively	ADV
fbem-16432	135	19	small	small	ADJ
fbem-16432	135	20	financial	financial	ADJ
fbem-16432	135	21	assets	asset	NOUN
fbem-16432	135	22	,	,	PUNCT
fbem-16432	135	23	lower	low	ADJ
fbem-16432	135	24	participation	participation	NOUN
fbem-16432	135	25	in	in	ADP
fbem-16432	135	26	financial	financial	ADJ
fbem-16432	135	27	markets	market	NOUN
fbem-16432	135	28	and	and	CCONJ
fbem-16432	135	29	lower	low	ADJ
fbem-16432	135	30	allocation	allocation	NOUN
fbem-16432	135	31	ratio	ratio	NOUN
fbem-16432	135	32	of	of	ADP
fbem-16432	135	33	risky	risky	ADJ
fbem-16432	135	34	assets	asset	NOUN
fbem-16432	135	35	due	due	ADJ
fbem-16432	135	36	to	to	ADP
fbem-16432	135	37	a	a	DET
fbem-16432	135	38	variety	variety	NOUN
fbem-16432	135	39	of	of	ADP
fbem-16432	135	40	reasons	reason	NOUN
fbem-16432	135	41	such	such	ADJ
fbem-16432	135	42	as	as	ADP
fbem-16432	135	43	relatively	relatively	ADV
fbem-16432	135	44	backward	backward	ADJ
fbem-16432	135	45	economic	economic	ADJ
fbem-16432	135	46	development	development	NOUN
fbem-16432	135	47	,	,	PUNCT
fbem-16432	135	48	imperfect	imperfect	ADJ
fbem-16432	135	49	financial	financial	ADJ
fbem-16432	135	50	infrastructure	infrastructure	NOUN
fbem-16432	135	51	,	,	PUNCT
fbem-16432	135	52	relatively	relatively	ADV
fbem-16432	135	53	lack	lack	NOUN
fbem-16432	135	54	of	of	ADP
fbem-16432	135	55	financial	financial	ADJ
fbem-16432	135	56	knowledge	knowledge	NOUN
fbem-16432	135	57	and	and	CCONJ
fbem-16432	135	58	low	low	ADJ
fbem-16432	135	59	risk	risk	NOUN
fbem-16432	135	60	tolerance	tolerance	NOUN
fbem-16432	135	61	.	.	PUNCT
fbem-16432	136	1	the	the	DET
fbem-16432	136	2	pursuit	pursuit	NOUN
fbem-16432	136	3	of	of	ADP
fbem-16432	136	4	inclusive	inclusive	ADJ
fbem-16432	136	5	digital	digital	ADJ
fbem-16432	136	6	finance	finance	NOUN
fbem-16432	136	7	refers	refer	VERB
fbem-16432	136	8	to	to	ADP
fbem-16432	136	9	a	a	DET
fbem-16432	136	10	financial	financial	ADJ
fbem-16432	136	11	system	system	NOUN
fbem-16432	136	12	that	that	PRON
fbem-16432	136	13	provides	provide	VERB
fbem-16432	136	14	all	all	DET
fbem-16432	136	15	businesses	business	NOUN
fbem-16432	136	16	,	,	PUNCT
fbem-16432	136	17	households	household	NOUN
fbem-16432	136	18	and	and	CCONJ
fbem-16432	136	19	individuals	individual	NOUN
fbem-16432	136	20	with	with	ADP
fbem-16432	136	21	the	the	DET
fbem-16432	136	22	financial	financial	ADJ
fbem-16432	136	23	products	product	NOUN
fbem-16432	136	24	and	and	CCONJ
fbem-16432	136	25	services	service	NOUN
fbem-16432	136	26	they	they	PRON
fbem-16432	136	27	need	need	VERB
fbem-16432	136	28	to	to	PART
fbem-16432	136	29	achieve	achieve	VERB
fbem-16432	136	30	equitable	equitable	ADJ
fbem-16432	136	31	development	development	NOUN
fbem-16432	136	32	opportunities	opportunity	NOUN
fbem-16432	136	33	.	.	PUNCT
fbem-16432	137	1	compared	compare	VERB
fbem-16432	137	2	with	with	ADP
fbem-16432	137	3	traditional	traditional	ADJ
fbem-16432	137	4	finance	finance	NOUN
fbem-16432	137	5	,	,	PUNCT
fbem-16432	137	6	digital	digital	ADJ
fbem-16432	137	7	finance	finance	NOUN
fbem-16432	137	8	,	,	PUNCT
fbem-16432	137	9	through	through	ADP
fbem-16432	137	10	the	the	DET
fbem-16432	137	11	combination	combination	NOUN
fbem-16432	137	12	and	and	CCONJ
fbem-16432	137	13	innovation	innovation	NOUN
fbem-16432	137	14	of	of	ADP
fbem-16432	137	15	technology	technology	NOUN
fbem-16432	137	16	and	and	CCONJ
fbem-16432	137	17	finance	finance	NOUN
fbem-16432	137	18	,	,	PUNCT
fbem-16432	137	19	has	have	VERB
fbem-16432	137	20	obvious	obvious	ADJ
fbem-16432	137	21	advantages	advantage	NOUN
fbem-16432	137	22	,	,	PUNCT
fbem-16432	137	23	including	include	VERB
fbem-16432	137	24	replicability	replicability	NOUN
fbem-16432	137	25	,	,	PUNCT
fbem-16432	137	26	accessibility	accessibility	NOUN
fbem-16432	137	27	,	,	PUNCT
fbem-16432	137	28	affordability	affordability	NOUN
fbem-16432	137	29	,	,	PUNCT
fbem-16432	137	30	comprehensiveness	comprehensiveness	NOUN
fbem-16432	137	31	,	,	PUNCT
fbem-16432	137	32	low	low	ADJ
fbem-16432	137	33	threshold	threshold	NOUN
fbem-16432	137	34	,	,	PUNCT
fbem-16432	137	35	low	low	ADJ
fbem-16432	137	36	cost	cost	NOUN
fbem-16432	137	37	,	,	PUNCT
fbem-16432	137	38	wide	wide	ADJ
fbem-16432	137	39	coverage	coverage	NOUN
fbem-16432	137	40	and	and	CCONJ
fbem-16432	137	41	deep	deep	ADJ
fbem-16432	137	42	service	service	NOUN
fbem-16432	137	43	,	,	PUNCT
fbem-16432	137	44	which	which	PRON
fbem-16432	137	45	plays	play	VERB
fbem-16432	137	46	a	a	DET
fbem-16432	137	47	vital	vital	ADJ
fbem-16432	137	48	role	role	NOUN
fbem-16432	137	49	in	in	ADP
fbem-16432	137	50	promoting	promote	VERB
fbem-16432	137	51	economic	economic	ADJ
fbem-16432	137	52	development	development	NOUN
fbem-16432	137	53	,	,	PUNCT
fbem-16432	137	54	financial	financial	ADJ
fbem-16432	137	55	equity	equity	NOUN
fbem-16432	137	56	and	and	CCONJ
fbem-16432	137	57	common	common	ADJ
fbem-16432	137	58	prosperity	prosperity	NOUN
fbem-16432	137	59	.	.	PUNCT
fbem-16432	138	1	6	6	X
fbem-16432	138	2	.	.	X
fbem-16432	138	3	mechanism	mechanism	NOUN
fbem-16432	138	4	analysis	analysis	NOUN
fbem-16432	138	5	as	as	ADP
fbem-16432	138	6	for	for	ADP
fbem-16432	138	7	the	the	DET
fbem-16432	138	8	specific	specific	ADJ
fbem-16432	138	9	mechanism	mechanism	NOUN
fbem-16432	138	10	of	of	ADP
fbem-16432	138	11	the	the	DET
fbem-16432	138	12	impact	impact	NOUN
fbem-16432	138	13	of	of	ADP
fbem-16432	138	14	the	the	DET
fbem-16432	138	15	development	development	NOUN
fbem-16432	138	16	of	of	ADP
fbem-16432	138	17	digital	digital	ADJ
fbem-16432	138	18	finance	finance	NOUN
fbem-16432	138	19	on	on	ADP
fbem-16432	138	20	the	the	DET
fbem-16432	138	21	allocation	allocation	NOUN
fbem-16432	138	22	of	of	ADP
fbem-16432	138	23	household	household	NOUN
fbem-16432	138	24	risk	risk	NOUN
fbem-16432	138	25	financial	financial	ADJ
fbem-16432	138	26	assets	asset	NOUN
fbem-16432	138	27	,	,	PUNCT
fbem-16432	138	28	first	first	ADV
fbem-16432	138	29	,	,	PUNCT
fbem-16432	138	30	the	the	DET
fbem-16432	138	31	development	development	NOUN
fbem-16432	138	32	of	of	ADP
fbem-16432	138	33	digital	digital	ADJ
fbem-16432	138	34	finance	finance	NOUN
fbem-16432	138	35	is	be	AUX
fbem-16432	138	36	accompanied	accompany	VERB
fbem-16432	138	37	by	by	ADP
fbem-16432	138	38	the	the	DET
fbem-16432	138	39	continuous	continuous	ADJ
fbem-16432	138	40	improvement	improvement	NOUN
fbem-16432	138	41	of	of	ADP
fbem-16432	138	42	financial	financial	ADJ
fbem-16432	138	43	infrastructure	infrastructure	NOUN
fbem-16432	138	44	,	,	PUNCT
fbem-16432	138	45	and	and	CCONJ
fbem-16432	138	46	the	the	DET
fbem-16432	138	47	extensive	extensive	ADJ
fbem-16432	138	48	application	application	NOUN
fbem-16432	138	49	of	of	ADP
fbem-16432	138	50	network	network	NOUN
fbem-16432	138	51	and	and	CCONJ
fbem-16432	138	52	mobile	mobile	ADJ
fbem-16432	138	53	communication	communication	NOUN
fbem-16432	138	54	technology	technology	NOUN
fbem-16432	138	55	has	have	AUX
fbem-16432	138	56	overcome	overcome	VERB
fbem-16432	138	57	the	the	DET
fbem-16432	138	58	dependence	dependence	NOUN
fbem-16432	138	59	of	of	ADP
fbem-16432	138	60	traditional	traditional	ADJ
fbem-16432	138	61	finance	finance	NOUN
fbem-16432	138	62	on	on	ADP
fbem-16432	138	63	physical	physical	ADJ
fbem-16432	138	64	outlets	outlet	NOUN
fbem-16432	138	65	,	,	PUNCT
fbem-16432	138	66	and	and	CCONJ
fbem-16432	138	67	has	have	VERB
fbem-16432	138	68	strong	strong	ADJ
fbem-16432	138	69	geographical	geographical	ADJ
fbem-16432	138	70	penetration	penetration	NOUN
fbem-16432	138	71	and	and	CCONJ
fbem-16432	138	72	low	low	ADJ
fbem-16432	138	73	-	-	PUNCT
fbem-16432	138	74	cost	cost	NOUN
fbem-16432	138	75	advantages	advantage	NOUN
fbem-16432	138	76	.	.	PUNCT
fbem-16432	139	1	it	it	PRON
fbem-16432	139	2	has	have	AUX
fbem-16432	139	3	lowered	lower	VERB
fbem-16432	139	4	the	the	DET
fbem-16432	139	5	threshold	threshold	NOUN
fbem-16432	139	6	for	for	SCONJ
fbem-16432	139	7	customers	customer	NOUN
fbem-16432	139	8	to	to	PART
fbem-16432	139	9	purchase	purchase	VERB
fbem-16432	139	10	financial	financial	ADJ
fbem-16432	139	11	products	product	NOUN
fbem-16432	139	12	and	and	CCONJ
fbem-16432	139	13	services	service	NOUN
fbem-16432	139	14	,	,	PUNCT
fbem-16432	139	15	enabled	enable	VERB
fbem-16432	139	16	the	the	DET
fbem-16432	139	17	financial	financial	ADJ
fbem-16432	139	18	industry	industry	NOUN
fbem-16432	139	19	to	to	PART
fbem-16432	139	20	reach	reach	VERB
fbem-16432	139	21	and	and	CCONJ
fbem-16432	139	22	cover	cover	VERB
fbem-16432	139	23	low	low	ADJ
fbem-16432	139	24	-	-	PUNCT
fbem-16432	139	25	income	income	NOUN
fbem-16432	139	26	residents	resident	NOUN
fbem-16432	139	27	,	,	PUNCT
fbem-16432	139	28	rural	rural	ADJ
fbem-16432	139	29	residents	resident	NOUN
fbem-16432	139	30	and	and	CCONJ
fbem-16432	139	31	other	other	ADJ
fbem-16432	139	32	groups	group	NOUN
fbem-16432	139	33	,	,	PUNCT
fbem-16432	139	34	and	and	CCONJ
fbem-16432	139	35	greatly	greatly	ADV
fbem-16432	139	36	improved	improve	VERB
fbem-16432	139	37	the	the	DET
fbem-16432	139	38	availability	availability	NOUN
fbem-16432	139	39	of	of	ADP
fbem-16432	139	40	finance	finance	NOUN
fbem-16432	139	41	.	.	PUNCT
fbem-16432	140	1	second	second	ADJ
fbem-16432	140	2	,	,	PUNCT
fbem-16432	140	3	the	the	DET
fbem-16432	140	4	popularization	popularization	NOUN
fbem-16432	140	5	and	and	CCONJ
fbem-16432	140	6	promotion	promotion	NOUN
fbem-16432	140	7	of	of	ADP
fbem-16432	140	8	digital	digital	ADJ
fbem-16432	140	9	inclusive	inclusive	ADJ
fbem-16432	140	10	finance	finance	NOUN
fbem-16432	140	11	in	in	ADP
fbem-16432	140	12	china	china	PROPN
fbem-16432	140	13	has	have	AUX
fbem-16432	140	14	effectively	effectively	ADV
fbem-16432	140	15	promoted	promote	VERB
fbem-16432	140	16	the	the	DET
fbem-16432	140	17	sinking	sinking	NOUN
fbem-16432	140	18	of	of	ADP
fbem-16432	140	19	financial	financial	ADJ
fbem-16432	140	20	knowledge	knowledge	NOUN
fbem-16432	140	21	at	at	ADP
fbem-16432	140	22	the	the	DET
fbem-16432	140	23	grassroots	grassroots	ADJ
fbem-16432	140	24	level	level	NOUN
fbem-16432	140	25	and	and	CCONJ
fbem-16432	140	26	improved	improve	VERB
fbem-16432	140	27	the	the	DET
fbem-16432	140	28	financial	financial	ADJ
fbem-16432	140	29	literacy	literacy	NOUN
fbem-16432	140	30	of	of	ADP
fbem-16432	140	31	consumers	consumer	NOUN
fbem-16432	140	32	and	and	CCONJ
fbem-16432	140	33	investors	investor	NOUN
fbem-16432	140	34	.	.	PUNCT
fbem-16432	141	1	various	various	ADJ
fbem-16432	141	2	terminals	terminal	NOUN
fbem-16432	141	3	and	and	CCONJ
fbem-16432	141	4	online	online	ADJ
fbem-16432	141	5	platforms	platform	NOUN
fbem-16432	141	6	provide	provide	VERB
fbem-16432	141	7	massive	massive	ADJ
fbem-16432	141	8	financial	financial	ADJ
fbem-16432	141	9	knowledge	knowledge	NOUN
fbem-16432	141	10	and	and	CCONJ
fbem-16432	141	11	resources	resource	NOUN
fbem-16432	141	12	,	,	PUNCT
fbem-16432	141	13	broaden	broaden	VERB
fbem-16432	141	14	the	the	DET
fbem-16432	141	15	channels	channel	NOUN
fbem-16432	141	16	for	for	ADP
fbem-16432	141	17	regions	region	NOUN
fbem-16432	141	18	with	with	ADP
fbem-16432	141	19	relatively	relatively	ADV
fbem-16432	141	20	backward	backward	ADJ
fbem-16432	141	21	financial	financial	ADJ
fbem-16432	141	22	development	development	NOUN
fbem-16432	141	23	to	to	PART
fbem-16432	141	24	obtain	obtain	VERB
fbem-16432	141	25	financial	financial	ADJ
fbem-16432	141	26	information	information	NOUN
fbem-16432	141	27	and	and	CCONJ
fbem-16432	141	28	knowledge	knowledge	NOUN
fbem-16432	141	29	,	,	PUNCT
fbem-16432	141	30	improve	improve	VERB
fbem-16432	141	31	the	the	DET
fbem-16432	141	32	financial	financial	ADJ
fbem-16432	141	33	literacy	literacy	NOUN
fbem-16432	141	34	and	and	CCONJ
fbem-16432	141	35	financial	financial	ADJ
fbem-16432	141	36	cognition	cognition	NOUN
fbem-16432	141	37	of	of	ADP
fbem-16432	141	38	various	various	ADJ
fbem-16432	141	39	regions	region	NOUN
fbem-16432	141	40	and	and	CCONJ
fbem-16432	141	41	groups	group	NOUN
fbem-16432	141	42	,	,	PUNCT
fbem-16432	141	43	and	and	CCONJ
fbem-16432	141	44	enable	enable	VERB
fbem-16432	141	45	them	they	PRON
fbem-16432	141	46	to	to	PART
fbem-16432	141	47	allocate	allocate	VERB
fbem-16432	141	48	financial	financial	ADJ
fbem-16432	141	49	assets	asset	NOUN
fbem-16432	141	50	in	in	ADP
fbem-16432	141	51	a	a	DET
fbem-16432	141	52	more	more	ADV
fbem-16432	141	53	rational	rational	ADJ
fbem-16432	141	54	and	and	CCONJ
fbem-16432	141	55	professional	professional	ADJ
fbem-16432	141	56	manner	manner	NOUN
fbem-16432	141	57	.	.	PUNCT
fbem-16432	142	1	third	third	ADJ
fbem-16432	142	2	,	,	PUNCT
fbem-16432	142	3	the	the	DET
fbem-16432	142	4	development	development	NOUN
fbem-16432	142	5	of	of	ADP
fbem-16432	142	6	digital	digital	ADJ
fbem-16432	142	7	finance	finance	NOUN
fbem-16432	142	8	has	have	VERB
fbem-16432	142	9	a	a	DET
fbem-16432	142	10	certain	certain	ADJ
fbem-16432	142	11	impact	impact	NOUN
fbem-16432	142	12	on	on	ADP
fbem-16432	142	13	the	the	DET
fbem-16432	142	14	family	family	NOUN
fbem-16432	142	15	's	's	PART
fbem-16432	142	16	willingness	willingness	NOUN
fbem-16432	142	17	to	to	PART
fbem-16432	142	18	start	start	VERB
fbem-16432	142	19	a	a	DET
fbem-16432	142	20	business	business	NOUN
fbem-16432	142	21	,	,	PUNCT
fbem-16432	142	22	and	and	CCONJ
fbem-16432	142	23	whether	whether	SCONJ
fbem-16432	142	24	the	the	DET
fbem-16432	142	25	family	family	NOUN
fbem-16432	142	26	has	have	VERB
fbem-16432	142	27	the	the	DET
fbem-16432	142	28	willingness	willingness	NOUN
fbem-16432	142	29	to	to	PART
fbem-16432	142	30	start	start	VERB
fbem-16432	142	31	a	a	DET
fbem-16432	142	32	business	business	NOUN
fbem-16432	142	33	affects	affect	VERB
fbem-16432	142	34	the	the	DET
fbem-16432	142	35	family	family	NOUN
fbem-16432	142	36	's	's	PART
fbem-16432	142	37	allocation	allocation	NOUN
fbem-16432	142	38	of	of	ADP
fbem-16432	142	39	funds	fund	NOUN
fbem-16432	142	40	.	.	PUNCT
fbem-16432	143	1	when	when	SCONJ
fbem-16432	143	2	the	the	DET
fbem-16432	143	3	family	family	NOUN
fbem-16432	143	4	wealth	wealth	NOUN
fbem-16432	143	5	level	level	NOUN
fbem-16432	143	6	is	be	AUX
fbem-16432	143	7	limited	limited	ADJ
fbem-16432	143	8	,	,	PUNCT
fbem-16432	143	9	if	if	SCONJ
fbem-16432	143	10	part	part	NOUN
fbem-16432	143	11	of	of	ADP
fbem-16432	143	12	the	the	DET
fbem-16432	143	13	capital	capital	NOUN
fbem-16432	143	14	is	be	AUX
fbem-16432	143	15	invested	invest	VERB
fbem-16432	143	16	in	in	ADP
fbem-16432	143	17	entrepreneurship	entrepreneurship	NOUN
fbem-16432	143	18	,	,	PUNCT
fbem-16432	143	19	the	the	DET
fbem-16432	143	20	capital	capital	NOUN
fbem-16432	143	21	that	that	PRON
fbem-16432	143	22	can	can	AUX
fbem-16432	143	23	be	be	AUX
fbem-16432	143	24	allocated	allocate	VERB
fbem-16432	143	25	to	to	ADP
fbem-16432	143	26	risky	risky	ADJ
fbem-16432	143	27	financial	financial	ADJ
fbem-16432	143	28	assets	asset	NOUN
fbem-16432	143	29	will	will	AUX
fbem-16432	143	30	inevitably	inevitably	ADV
fbem-16432	143	31	be	be	AUX
fbem-16432	143	32	affected	affect	VERB
fbem-16432	143	33	,	,	PUNCT
fbem-16432	143	34	and	and	CCONJ
fbem-16432	143	35	the	the	DET
fbem-16432	143	36	family	family	NOUN
fbem-16432	143	37	's	's	PART
fbem-16432	143	38	financial	financial	ADJ
fbem-16432	143	39	asset	asset	NOUN
fbem-16432	143	40	allocation	allocation	NOUN
fbem-16432	143	41	behavior	behavior	NOUN
fbem-16432	143	42	will	will	AUX
fbem-16432	143	43	also	also	ADV
fbem-16432	143	44	change	change	VERB
fbem-16432	143	45	.	.	PUNCT
fbem-16432	144	1	if	if	SCONJ
fbem-16432	144	2	a	a	DET
fbem-16432	144	3	family	family	NOUN
fbem-16432	144	4	has	have	VERB
fbem-16432	144	5	a	a	DET
fbem-16432	144	6	strong	strong	ADJ
fbem-16432	144	7	willingness	willingness	NOUN
fbem-16432	144	8	to	to	PART
fbem-16432	144	9	start	start	VERB
fbem-16432	144	10	a	a	DET
fbem-16432	144	11	business	business	NOUN
fbem-16432	144	12	,	,	PUNCT
fbem-16432	144	13	it	it	PRON
fbem-16432	144	14	will	will	AUX
fbem-16432	144	15	usually	usually	ADV
fbem-16432	144	16	allocate	allocate	VERB
fbem-16432	144	17	more	more	ADJ
fbem-16432	144	18	capital	capital	NOUN
fbem-16432	144	19	to	to	ADP
fbem-16432	144	20	entrepreneurial	entrepreneurial	ADJ
fbem-16432	144	21	activities	activity	NOUN
fbem-16432	144	22	.	.	PUNCT
fbem-16432	145	1	in	in	ADP
fbem-16432	145	2	addition	addition	NOUN
fbem-16432	145	3	,	,	PUNCT
fbem-16432	145	4	due	due	ADP
fbem-16432	145	5	to	to	ADP
fbem-16432	145	6	the	the	DET
fbem-16432	145	7	large	large	ADJ
fbem-16432	145	8	risk	risk	NOUN
fbem-16432	145	9	inherent	inherent	ADJ
fbem-16432	145	10	in	in	ADP
fbem-16432	145	11	entrepreneurial	entrepreneurial	ADJ
fbem-16432	145	12	activities	activity	NOUN
fbem-16432	145	13	,	,	PUNCT
fbem-16432	145	14	most	most	ADJ
fbem-16432	145	15	families	family	NOUN
fbem-16432	145	16	in	in	ADP
fbem-16432	145	17	china	china	PROPN
fbem-16432	145	18	tend	tend	VERB
fbem-16432	145	19	to	to	PART
fbem-16432	145	20	be	be	AUX
fbem-16432	145	21	conservative	conservative	ADJ
fbem-16432	145	22	and	and	CCONJ
fbem-16432	145	23	cautious	cautious	ADJ
fbem-16432	145	24	in	in	ADP
fbem-16432	145	25	their	their	PRON
fbem-16432	145	26	risk	risk	NOUN
fbem-16432	145	27	attitude	attitude	NOUN
fbem-16432	145	28	,	,	PUNCT
fbem-16432	145	29	which	which	PRON
fbem-16432	145	30	may	may	AUX
fbem-16432	145	31	lead	lead	VERB
fbem-16432	145	32	to	to	ADP
fbem-16432	145	33	families	family	NOUN
fbem-16432	145	34	with	with	ADP
fbem-16432	145	35	entrepreneurial	entrepreneurial	ADJ
fbem-16432	145	36	intentions	intention	NOUN
fbem-16432	145	37	to	to	PART
fbem-16432	145	38	reduce	reduce	VERB
fbem-16432	145	39	their	their	PRON
fbem-16432	145	40	willingness	willingness	NOUN
fbem-16432	145	41	to	to	PART
fbem-16432	145	42	participate	participate	VERB
fbem-16432	145	43	in	in	ADP
fbem-16432	145	44	risky	risky	ADJ
fbem-16432	145	45	financial	financial	ADJ
fbem-16432	145	46	markets	market	NOUN
fbem-16432	145	47	and	and	CCONJ
fbem-16432	145	48	the	the	DET
fbem-16432	145	49	allocation	allocation	NOUN
fbem-16432	145	50	ratio	ratio	NOUN
fbem-16432	145	51	of	of	ADP
fbem-16432	145	52	risky	risky	ADJ
fbem-16432	145	53	financial	financial	ADJ
fbem-16432	145	54	assets	asset	NOUN
fbem-16432	145	55	.	.	PUNCT
fbem-16432	146	1	on	on	ADP
fbem-16432	146	2	the	the	DET
fbem-16432	146	3	one	one	NUM
fbem-16432	146	4	hand	hand	NOUN
fbem-16432	146	5	,	,	PUNCT
fbem-16432	146	6	the	the	DET
fbem-16432	146	7	development	development	NOUN
fbem-16432	146	8	of	of	ADP
fbem-16432	146	9	digital	digital	ADJ
fbem-16432	146	10	finance	finance	NOUN
fbem-16432	146	11	has	have	AUX
fbem-16432	146	12	improved	improve	VERB
fbem-16432	146	13	the	the	DET
fbem-16432	146	14	confidence	confidence	NOUN
fbem-16432	146	15	of	of	ADP
fbem-16432	146	16	entrepreneurs	entrepreneur	NOUN
fbem-16432	146	17	.	.	PUNCT
fbem-16432	147	1	the	the	DET
fbem-16432	147	2	expansion	expansion	NOUN
fbem-16432	147	3	of	of	ADP
fbem-16432	147	4	information	information	NOUN
fbem-16432	147	5	channels	channel	NOUN
fbem-16432	147	6	enables	enable	VERB
fbem-16432	147	7	entrepreneurs	entrepreneur	NOUN
fbem-16432	147	8	to	to	PART
fbem-16432	147	9	better	well	ADV
fbem-16432	147	10	understand	understand	VERB
fbem-16432	147	11	market	market	NOUN
fbem-16432	147	12	dynamics	dynamic	NOUN
fbem-16432	147	13	and	and	CCONJ
fbem-16432	147	14	industry	industry	NOUN
fbem-16432	147	15	trends	trend	NOUN
fbem-16432	147	16	,	,	PUNCT
fbem-16432	147	17	better	well	ADJ
fbem-16432	147	18	grasp	grasp	VERB
fbem-16432	147	19	market	market	NOUN
fbem-16432	147	20	opportunities	opportunity	NOUN
fbem-16432	147	21	,	,	PUNCT
fbem-16432	147	22	and	and	CCONJ
fbem-16432	147	23	stimulate	stimulate	VERB
fbem-16432	147	24	families	family	NOUN
fbem-16432	147	25	'	'	PART
fbem-16432	147	26	willingness	willingness	NOUN
fbem-16432	147	27	to	to	PART
fbem-16432	147	28	start	start	VERB
fbem-16432	147	29	businesses	business	NOUN
fbem-16432	147	30	.	.	PUNCT
fbem-16432	148	1	at	at	ADP
fbem-16432	148	2	the	the	DET
fbem-16432	148	3	same	same	ADJ
fbem-16432	148	4	time	time	NOUN
fbem-16432	148	5	,	,	PUNCT
fbem-16432	148	6	the	the	DET
fbem-16432	148	7	development	development	NOUN
fbem-16432	148	8	of	of	ADP
fbem-16432	148	9	digital	digital	ADJ
fbem-16432	148	10	finance	finance	NOUN
fbem-16432	148	11	can	can	AUX
fbem-16432	148	12	provide	provide	VERB
fbem-16432	148	13	more	more	ADV
fbem-16432	148	14	convenient	convenient	ADJ
fbem-16432	148	15	financial	financial	ADJ
fbem-16432	148	16	services	service	NOUN
fbem-16432	148	17	and	and	CCONJ
fbem-16432	148	18	financial	financial	ADJ
fbem-16432	148	19	support	support	NOUN
fbem-16432	148	20	for	for	ADP
fbem-16432	148	21	family	family	NOUN
fbem-16432	148	22	entrepreneurship	entrepreneurship	NOUN
fbem-16432	148	23	,	,	PUNCT
fbem-16432	148	24	including	include	VERB
fbem-16432	148	25	loans	loan	NOUN
fbem-16432	148	26	,	,	PUNCT
fbem-16432	148	27	investment	investment	NOUN
fbem-16432	148	28	,	,	PUNCT
fbem-16432	148	29	insurance	insurance	NOUN
fbem-16432	148	30	,	,	PUNCT
fbem-16432	148	31	etc	etc	X
fbem-16432	148	32	.	.	X
fbem-16432	148	33	families	family	NOUN
fbem-16432	148	34	can	can	AUX
fbem-16432	148	35	carry	carry	VERB
fbem-16432	148	36	out	out	ADP
fbem-16432	148	37	e	e	NOUN
fbem-16432	148	38	-	-	NOUN
fbem-16432	148	39	commerce	commerce	ADJ
fbem-16432	148	40	,	,	PUNCT
fbem-16432	148	41	online	online	ADJ
fbem-16432	148	42	marketing	marketing	NOUN
fbem-16432	148	43	and	and	CCONJ
fbem-16432	148	44	other	other	ADJ
fbem-16432	148	45	entrepreneurial	entrepreneurial	ADJ
fbem-16432	148	46	activities	activity	NOUN
fbem-16432	148	47	through	through	ADP
fbem-16432	148	48	the	the	DET
fbem-16432	148	49	internet	internet	NOUN
fbem-16432	148	50	platform	platform	NOUN
fbem-16432	148	51	without	without	ADP
fbem-16432	148	52	investing	invest	VERB
fbem-16432	148	53	a	a	DET
fbem-16432	148	54	lot	lot	NOUN
fbem-16432	148	55	of	of	ADP
fbem-16432	148	56	time	time	NOUN
fbem-16432	148	57	and	and	CCONJ
fbem-16432	148	58	money	money	NOUN
fbem-16432	148	59	.	.	PUNCT
fbem-16432	149	1	entrepreneurs	entrepreneur	NOUN
fbem-16432	149	2	can	can	AUX
fbem-16432	149	3	also	also	ADV
fbem-16432	149	4	obtain	obtain	VERB
fbem-16432	149	5	more	more	ADJ
fbem-16432	149	6	market	market	NOUN
fbem-16432	149	7	information	information	NOUN
fbem-16432	149	8	,	,	PUNCT
fbem-16432	149	9	policies	policy	NOUN
fbem-16432	149	10	and	and	CCONJ
fbem-16432	149	11	regulations	regulation	NOUN
fbem-16432	149	12	,	,	PUNCT
fbem-16432	149	13	and	and	CCONJ
fbem-16432	149	14	technical	technical	ADJ
fbem-16432	149	15	advice	advice	NOUN
fbem-16432	149	16	on	on	ADP
fbem-16432	149	17	the	the	DET
fbem-16432	149	18	relevant	relevant	ADJ
fbem-16432	149	19	platforms	platform	NOUN
fbem-16432	149	20	provided	provide	VERB
fbem-16432	149	21	by	by	ADP
fbem-16432	149	22	digital	digital	ADJ
fbem-16432	149	23	finance	finance	NOUN
fbem-16432	149	24	,	,	PUNCT
fbem-16432	149	25	which	which	PRON
fbem-16432	149	26	improves	improve	VERB
fbem-16432	149	27	family	family	NOUN
fbem-16432	149	28	confidence	confidence	NOUN
fbem-16432	149	29	and	and	CCONJ
fbem-16432	149	30	willingness	willingness	NOUN
fbem-16432	149	31	to	to	PART
fbem-16432	149	32	start	start	VERB
fbem-16432	149	33	a	a	DET
fbem-16432	149	34	business	business	NOUN
fbem-16432	149	35	.	.	PUNCT
fbem-16432	150	1	on	on	ADP
fbem-16432	150	2	the	the	DET
fbem-16432	150	3	other	other	ADJ
fbem-16432	150	4	hand	hand	NOUN
fbem-16432	150	5	,	,	PUNCT
fbem-16432	150	6	because	because	SCONJ
fbem-16432	150	7	the	the	DET
fbem-16432	150	8	development	development	NOUN
fbem-16432	150	9	and	and	CCONJ
fbem-16432	150	10	popularization	popularization	NOUN
fbem-16432	150	11	of	of	ADP
fbem-16432	150	12	digital	digital	ADJ
fbem-16432	150	13	finance	finance	NOUN
fbem-16432	150	14	can	can	AUX
fbem-16432	150	15	lower	lower	VERB
fbem-16432	150	16	the	the	DET
fbem-16432	150	17	threshold	threshold	NOUN
fbem-16432	150	18	of	of	ADP
fbem-16432	150	19	financial	financial	ADJ
fbem-16432	150	20	products	product	NOUN
fbem-16432	150	21	and	and	CCONJ
fbem-16432	150	22	services	service	NOUN
fbem-16432	150	23	,	,	PUNCT
fbem-16432	150	24	more	more	ADJ
fbem-16432	150	25	families	family	NOUN
fbem-16432	150	26	can	can	AUX
fbem-16432	150	27	have	have	VERB
fbem-16432	150	28	easier	easy	ADJ
fbem-16432	150	29	access	access	NOUN
fbem-16432	150	30	to	to	ADP
fbem-16432	150	31	financial	financial	ADJ
fbem-16432	150	32	support	support	NOUN
fbem-16432	150	33	and	and	CCONJ
fbem-16432	150	34	financial	financial	ADJ
fbem-16432	150	35	services	service	NOUN
fbem-16432	150	36	,	,	PUNCT
fbem-16432	150	37	which	which	PRON
fbem-16432	150	38	may	may	AUX
fbem-16432	150	39	lead	lead	VERB
fbem-16432	150	40	to	to	ADP
fbem-16432	150	41	families	family	NOUN
fbem-16432	150	42	more	more	ADV
fbem-16432	150	43	inclined	inclined	ADJ
fbem-16432	150	44	to	to	PART
fbem-16432	150	45	choose	choose	VERB
fbem-16432	150	46	traditional	traditional	ADJ
fbem-16432	150	47	career	career	NOUN
fbem-16432	150	48	paths	path	NOUN
fbem-16432	150	49	,	,	PUNCT
fbem-16432	150	50	such	such	ADJ
fbem-16432	150	51	as	as	ADP
fbem-16432	150	52	employment	employment	NOUN
fbem-16432	150	53	,	,	PUNCT
fbem-16432	150	54	rather	rather	ADV
fbem-16432	150	55	than	than	ADP
fbem-16432	150	56	choose	choose	VERB
fbem-16432	150	57	entrepreneurial	entrepreneurial	ADJ
fbem-16432	150	58	activities	activity	NOUN
fbem-16432	150	59	that	that	PRON
fbem-16432	150	60	require	require	VERB
fbem-16432	150	61	higher	high	ADJ
fbem-16432	150	62	risk	risk	NOUN
fbem-16432	150	63	and	and	CCONJ
fbem-16432	150	64	uncertainty	uncertainty	NOUN
fbem-16432	150	65	.	.	PUNCT
fbem-16432	151	1	at	at	ADP
fbem-16432	151	2	the	the	DET
fbem-16432	151	3	same	same	ADJ
fbem-16432	151	4	time	time	NOUN
fbem-16432	151	5	,	,	PUNCT
fbem-16432	151	6	the	the	DET
fbem-16432	151	7	development	development	NOUN
fbem-16432	151	8	of	of	ADP
fbem-16432	151	9	digital	digital	ADJ
fbem-16432	151	10	finance	finance	NOUN
fbem-16432	151	11	may	may	AUX
fbem-16432	151	12	have	have	VERB
fbem-16432	151	13	a	a	DET
fbem-16432	151	14	certain	certain	ADJ
fbem-16432	151	15	"	"	PUNCT
fbem-16432	151	16	crowding	crowd	VERB
fbem-16432	151	17	out	out	ADP
fbem-16432	151	18	effect	effect	NOUN
fbem-16432	151	19	"	"	PUNCT
fbem-16432	151	20	on	on	ADP
fbem-16432	151	21	the	the	DET
fbem-16432	151	22	26	26	NUM
fbem-16432	151	23	family	family	NOUN
fbem-16432	151	24	's	's	PART
fbem-16432	151	25	willingness	willingness	NOUN
fbem-16432	151	26	to	to	PART
fbem-16432	151	27	start	start	VERB
fbem-16432	151	28	a	a	DET
fbem-16432	151	29	business	business	NOUN
fbem-16432	151	30	.	.	PUNCT
fbem-16432	152	1	some	some	DET
fbem-16432	152	2	families	family	NOUN
fbem-16432	152	3	may	may	AUX
fbem-16432	152	4	think	think	VERB
fbem-16432	152	5	that	that	SCONJ
fbem-16432	152	6	the	the	DET
fbem-16432	152	7	investment	investment	NOUN
fbem-16432	152	8	opportunities	opportunity	NOUN
fbem-16432	152	9	and	and	CCONJ
fbem-16432	152	10	investment	investment	NOUN
fbem-16432	152	11	income	income	NOUN
fbem-16432	152	12	brought	bring	VERB
fbem-16432	152	13	by	by	ADP
fbem-16432	152	14	the	the	DET
fbem-16432	152	15	development	development	NOUN
fbem-16432	152	16	of	of	ADP
fbem-16432	152	17	digital	digital	ADJ
fbem-16432	152	18	finance	finance	NOUN
fbem-16432	152	19	are	be	AUX
fbem-16432	152	20	more	more	ADV
fbem-16432	152	21	stable	stable	ADJ
fbem-16432	152	22	and	and	CCONJ
fbem-16432	152	23	reliable	reliable	ADJ
fbem-16432	152	24	,	,	PUNCT
fbem-16432	152	25	so	so	SCONJ
fbem-16432	152	26	they	they	PRON
fbem-16432	152	27	are	be	AUX
fbem-16432	152	28	more	more	ADV
fbem-16432	152	29	inclined	inclined	ADJ
fbem-16432	152	30	to	to	PART
fbem-16432	152	31	invest	invest	VERB
fbem-16432	152	32	and	and	CCONJ
fbem-16432	152	33	rely	rely	VERB
fbem-16432	152	34	on	on	ADP
fbem-16432	152	35	financial	financial	ADJ
fbem-16432	152	36	products	product	NOUN
fbem-16432	152	37	and	and	CCONJ
fbem-16432	152	38	services	service	NOUN
fbem-16432	152	39	,	,	PUNCT
fbem-16432	152	40	thus	thus	ADV
fbem-16432	152	41	losing	lose	VERB
fbem-16432	152	42	the	the	DET
fbem-16432	152	43	motivation	motivation	NOUN
fbem-16432	152	44	and	and	CCONJ
fbem-16432	152	45	courage	courage	NOUN
fbem-16432	152	46	to	to	PART
fbem-16432	152	47	start	start	VERB
fbem-16432	152	48	their	their	PRON
fbem-16432	152	49	own	own	ADJ
fbem-16432	152	50	businesses	business	NOUN
fbem-16432	152	51	.	.	PUNCT
fbem-16432	153	1	in	in	ADP
fbem-16432	153	2	addition	addition	NOUN
fbem-16432	153	3	,	,	PUNCT
fbem-16432	153	4	the	the	DET
fbem-16432	153	5	convenience	convenience	NOUN
fbem-16432	153	6	and	and	CCONJ
fbem-16432	153	7	high	high	ADJ
fbem-16432	153	8	-	-	PUNCT
fbem-16432	153	9	yield	yield	NOUN
fbem-16432	153	10	nature	nature	NOUN
fbem-16432	153	11	of	of	ADP
fbem-16432	153	12	digital	digital	ADJ
fbem-16432	153	13	finance	finance	NOUN
fbem-16432	153	14	may	may	AUX
fbem-16432	153	15	also	also	ADV
fbem-16432	153	16	make	make	VERB
fbem-16432	153	17	households	household	NOUN
fbem-16432	153	18	more	more	ADV
fbem-16432	153	19	willing	willing	ADJ
fbem-16432	153	20	to	to	PART
fbem-16432	153	21	pursue	pursue	VERB
fbem-16432	153	22	short	short	ADJ
fbem-16432	153	23	-	-	PUNCT
fbem-16432	153	24	term	term	NOUN
fbem-16432	153	25	gains	gain	NOUN
fbem-16432	153	26	from	from	ADP
fbem-16432	153	27	investments	investment	NOUN
fbem-16432	153	28	rather	rather	ADV
fbem-16432	153	29	than	than	ADP
fbem-16432	153	30	long	long	ADJ
fbem-16432	153	31	-	-	PUNCT
fbem-16432	153	32	term	term	NOUN
fbem-16432	153	33	entrepreneurial	entrepreneurial	ADJ
fbem-16432	153	34	development	development	NOUN
fbem-16432	153	35	.	.	PUNCT
fbem-16432	154	1	7	7	X
fbem-16432	154	2	.	.	X
fbem-16432	154	3	conclusion	conclusion	VERB
fbem-16432	154	4	the	the	DET
fbem-16432	154	5	development	development	NOUN
fbem-16432	154	6	of	of	ADP
fbem-16432	154	7	digital	digital	ADJ
fbem-16432	154	8	finance	finance	NOUN
fbem-16432	154	9	has	have	AUX
fbem-16432	154	10	brought	bring	VERB
fbem-16432	154	11	new	new	ADJ
fbem-16432	154	12	opportunities	opportunity	NOUN
fbem-16432	154	13	and	and	CCONJ
fbem-16432	154	14	challenges	challenge	NOUN
fbem-16432	154	15	to	to	ADP
fbem-16432	154	16	family	family	NOUN
fbem-16432	154	17	financial	financial	ADJ
fbem-16432	154	18	asset	asset	NOUN
fbem-16432	154	19	allocation	allocation	NOUN
fbem-16432	154	20	.	.	PUNCT
fbem-16432	155	1	on	on	ADP
fbem-16432	155	2	the	the	DET
fbem-16432	155	3	one	one	NUM
fbem-16432	155	4	hand	hand	NOUN
fbem-16432	155	5	,	,	PUNCT
fbem-16432	155	6	digital	digital	ADJ
fbem-16432	155	7	finance	finance	NOUN
fbem-16432	155	8	provides	provide	VERB
fbem-16432	155	9	more	more	ADV
fbem-16432	155	10	convenient	convenient	ADJ
fbem-16432	155	11	and	and	CCONJ
fbem-16432	155	12	diversified	diversified	ADJ
fbem-16432	155	13	financial	financial	ADJ
fbem-16432	155	14	services	service	NOUN
fbem-16432	155	15	,	,	PUNCT
fbem-16432	155	16	making	make	VERB
fbem-16432	155	17	it	it	PRON
fbem-16432	155	18	easier	easy	ADJ
fbem-16432	155	19	for	for	SCONJ
fbem-16432	155	20	families	family	NOUN
fbem-16432	155	21	to	to	PART
fbem-16432	155	22	contact	contact	VERB
fbem-16432	155	23	and	and	CCONJ
fbem-16432	155	24	participate	participate	VERB
fbem-16432	155	25	in	in	ADP
fbem-16432	155	26	the	the	DET
fbem-16432	155	27	financial	financial	ADJ
fbem-16432	155	28	market	market	NOUN
fbem-16432	155	29	,	,	PUNCT
fbem-16432	155	30	and	and	CCONJ
fbem-16432	155	31	expanding	expand	VERB
fbem-16432	155	32	the	the	DET
fbem-16432	155	33	coverage	coverage	NOUN
fbem-16432	155	34	of	of	ADP
fbem-16432	155	35	financial	financial	ADJ
fbem-16432	155	36	services	service	NOUN
fbem-16432	155	37	.	.	PUNCT
fbem-16432	156	1	on	on	ADP
fbem-16432	156	2	the	the	DET
fbem-16432	156	3	other	other	ADJ
fbem-16432	156	4	hand	hand	NOUN
fbem-16432	156	5	,	,	PUNCT
fbem-16432	156	6	the	the	DET
fbem-16432	156	7	use	use	NOUN
fbem-16432	156	8	of	of	ADP
fbem-16432	156	9	digital	digital	ADJ
fbem-16432	156	10	financial	financial	ADJ
fbem-16432	156	11	instruments	instrument	NOUN
fbem-16432	156	12	reduces	reduce	VERB
fbem-16432	156	13	the	the	DET
fbem-16432	156	14	threshold	threshold	NOUN
fbem-16432	156	15	of	of	ADP
fbem-16432	156	16	financial	financial	ADJ
fbem-16432	156	17	services	service	NOUN
fbem-16432	156	18	,	,	PUNCT
fbem-16432	156	19	provides	provide	VERB
fbem-16432	156	20	families	family	NOUN
fbem-16432	156	21	with	with	ADP
fbem-16432	156	22	a	a	DET
fbem-16432	156	23	variety	variety	NOUN
fbem-16432	156	24	of	of	ADP
fbem-16432	156	25	financial	financial	ADJ
fbem-16432	156	26	product	product	NOUN
fbem-16432	156	27	choices	choice	NOUN
fbem-16432	156	28	,	,	PUNCT
fbem-16432	156	29	stimulates	stimulate	VERB
fbem-16432	156	30	families	family	NOUN
fbem-16432	156	31	'	'	PART
fbem-16432	156	32	willingness	willingness	NOUN
fbem-16432	156	33	to	to	PART
fbem-16432	156	34	participate	participate	VERB
fbem-16432	156	35	in	in	ADP
fbem-16432	156	36	the	the	DET
fbem-16432	156	37	risk	risk	NOUN
fbem-16432	156	38	financial	financial	ADJ
fbem-16432	156	39	market	market	NOUN
fbem-16432	156	40	,	,	PUNCT
fbem-16432	156	41	enables	enable	VERB
fbem-16432	156	42	more	more	ADJ
fbem-16432	156	43	families	family	NOUN
fbem-16432	156	44	to	to	PART
fbem-16432	156	45	make	make	VERB
fbem-16432	156	46	financial	financial	ADJ
fbem-16432	156	47	investments	investment	NOUN
fbem-16432	156	48	,	,	PUNCT
fbem-16432	156	49	and	and	CCONJ
fbem-16432	156	50	optimizes	optimize	VERB
fbem-16432	156	51	the	the	DET
fbem-16432	156	52	structure	structure	NOUN
fbem-16432	156	53	of	of	ADP
fbem-16432	156	54	family	family	NOUN
fbem-16432	156	55	financial	financial	ADJ
fbem-16432	156	56	asset	asset	NOUN
fbem-16432	156	57	allocation	allocation	NOUN
fbem-16432	156	58	.	.	PUNCT
fbem-16432	157	1	however	however	ADV
fbem-16432	157	2	,	,	PUNCT
fbem-16432	157	3	while	while	SCONJ
fbem-16432	157	4	digital	digital	ADJ
fbem-16432	157	5	finance	finance	NOUN
fbem-16432	157	6	improves	improve	VERB
fbem-16432	157	7	the	the	DET
fbem-16432	157	8	participation	participation	NOUN
fbem-16432	157	9	of	of	ADP
fbem-16432	157	10	household	household	NOUN
fbem-16432	157	11	financial	financial	ADJ
fbem-16432	157	12	asset	asset	NOUN
fbem-16432	157	13	allocation	allocation	NOUN
fbem-16432	157	14	,	,	PUNCT
fbem-16432	157	15	it	it	PRON
fbem-16432	157	16	also	also	ADV
fbem-16432	157	17	brings	bring	VERB
fbem-16432	157	18	certain	certain	ADJ
fbem-16432	157	19	risks	risk	NOUN
fbem-16432	157	20	.	.	PUNCT
fbem-16432	158	1	family	family	NOUN
fbem-16432	158	2	investors	investor	NOUN
fbem-16432	158	3	need	need	VERB
fbem-16432	158	4	to	to	PART
fbem-16432	158	5	strengthen	strengthen	VERB
fbem-16432	158	6	self	self	NOUN
fbem-16432	158	7	-	-	PUNCT
fbem-16432	158	8	risk	risk	NOUN
fbem-16432	158	9	identification	identification	NOUN
fbem-16432	158	10	and	and	CCONJ
fbem-16432	158	11	prevention	prevention	NOUN
fbem-16432	158	12	ability	ability	NOUN
fbem-16432	158	13	,	,	PUNCT
fbem-16432	158	14	rational	rational	ADJ
fbem-16432	158	15	treatment	treatment	NOUN
fbem-16432	158	16	of	of	ADP
fbem-16432	158	17	investment	investment	NOUN
fbem-16432	158	18	returns	return	NOUN
fbem-16432	158	19	and	and	CCONJ
fbem-16432	158	20	risks	risk	NOUN
fbem-16432	158	21	.	.	PUNCT
fbem-16432	159	1	in	in	ADP
fbem-16432	159	2	order	order	NOUN
fbem-16432	159	3	to	to	PART
fbem-16432	159	4	optimize	optimize	VERB
fbem-16432	159	5	digital	digital	ADJ
fbem-16432	159	6	financial	financial	ADJ
fbem-16432	159	7	services	service	NOUN
fbem-16432	159	8	and	and	CCONJ
fbem-16432	159	9	better	well	ADV
fbem-16432	159	10	meet	meet	VERB
fbem-16432	159	11	the	the	DET
fbem-16432	159	12	needs	need	NOUN
fbem-16432	159	13	of	of	ADP
fbem-16432	159	14	family	family	NOUN
fbem-16432	159	15	investors	investor	NOUN
fbem-16432	159	16	,	,	PUNCT
fbem-16432	159	17	future	future	ADJ
fbem-16432	159	18	studies	study	NOUN
fbem-16432	159	19	can	can	AUX
fbem-16432	159	20	further	far	ADV
fbem-16432	159	21	explore	explore	VERB
fbem-16432	159	22	how	how	SCONJ
fbem-16432	159	23	to	to	PART
fbem-16432	159	24	strengthen	strengthen	VERB
fbem-16432	159	25	digital	digital	ADJ
fbem-16432	159	26	financial	financial	ADJ
fbem-16432	159	27	regulation	regulation	NOUN
fbem-16432	159	28	,	,	PUNCT
fbem-16432	159	29	improve	improve	VERB
fbem-16432	159	30	the	the	DET
fbem-16432	159	31	inclusion	inclusion	NOUN
fbem-16432	159	32	of	of	ADP
fbem-16432	159	33	digital	digital	ADJ
fbem-16432	159	34	finance	finance	NOUN
fbem-16432	159	35	,	,	PUNCT
fbem-16432	159	36	and	and	CCONJ
fbem-16432	159	37	guide	guide	VERB
fbem-16432	159	38	family	family	NOUN
fbem-16432	159	39	investors	investor	NOUN
fbem-16432	159	40	to	to	PART
fbem-16432	159	41	establish	establish	VERB
fbem-16432	159	42	correct	correct	ADJ
fbem-16432	159	43	investment	investment	NOUN
fbem-16432	159	44	concepts	concept	NOUN
fbem-16432	159	45	.	.	PUNCT
fbem-16432	160	1	in	in	ADP
fbem-16432	160	2	order	order	NOUN
fbem-16432	160	3	to	to	PART
fbem-16432	160	4	further	far	ADV
fbem-16432	160	5	play	play	VERB
fbem-16432	160	6	the	the	DET
fbem-16432	160	7	role	role	NOUN
fbem-16432	160	8	of	of	ADP
fbem-16432	160	9	digital	digital	ADJ
fbem-16432	160	10	finance	finance	NOUN
fbem-16432	160	11	in	in	ADP
fbem-16432	160	12	household	household	NOUN
fbem-16432	160	13	financial	financial	ADJ
fbem-16432	160	14	asset	asset	NOUN
fbem-16432	160	15	allocation	allocation	NOUN
fbem-16432	160	16	,	,	PUNCT
fbem-16432	160	17	we	we	PRON
fbem-16432	160	18	put	put	VERB
fbem-16432	160	19	forward	forward	ADV
fbem-16432	160	20	the	the	DET
fbem-16432	160	21	following	follow	VERB
fbem-16432	160	22	suggestions	suggestion	NOUN
fbem-16432	160	23	.	.	PUNCT
fbem-16432	161	1	first	first	ADV
fbem-16432	161	2	,	,	PUNCT
fbem-16432	161	3	increase	increase	VERB
fbem-16432	161	4	the	the	DET
fbem-16432	161	5	penetration	penetration	NOUN
fbem-16432	161	6	rate	rate	NOUN
fbem-16432	161	7	of	of	ADP
fbem-16432	161	8	digital	digital	ADJ
fbem-16432	161	9	finance	finance	NOUN
fbem-16432	161	10	.	.	PUNCT
fbem-16432	162	1	policies	policy	NOUN
fbem-16432	162	2	should	should	AUX
fbem-16432	162	3	encourage	encourage	VERB
fbem-16432	162	4	financial	financial	ADJ
fbem-16432	162	5	institutions	institution	NOUN
fbem-16432	162	6	to	to	PART
fbem-16432	162	7	increase	increase	VERB
fbem-16432	162	8	the	the	DET
fbem-16432	162	9	promotion	promotion	NOUN
fbem-16432	162	10	of	of	ADP
fbem-16432	162	11	digital	digital	ADJ
fbem-16432	162	12	financial	financial	ADJ
fbem-16432	162	13	services	service	NOUN
fbem-16432	162	14	to	to	ADP
fbem-16432	162	15	remote	remote	ADJ
fbem-16432	162	16	areas	area	NOUN
fbem-16432	162	17	and	and	CCONJ
fbem-16432	162	18	low	low	ADJ
fbem-16432	162	19	-	-	PUNCT
fbem-16432	162	20	income	income	NOUN
fbem-16432	162	21	households	household	NOUN
fbem-16432	162	22	,	,	PUNCT
fbem-16432	162	23	and	and	CCONJ
fbem-16432	162	24	narrow	narrow	VERB
fbem-16432	162	25	the	the	DET
fbem-16432	162	26	geographical	geographical	ADJ
fbem-16432	162	27	gap	gap	NOUN
fbem-16432	162	28	in	in	ADP
fbem-16432	162	29	financial	financial	ADJ
fbem-16432	162	30	services	service	NOUN
fbem-16432	162	31	.	.	PUNCT
fbem-16432	163	1	at	at	ADP
fbem-16432	163	2	the	the	DET
fbem-16432	163	3	same	same	ADJ
fbem-16432	163	4	time	time	NOUN
fbem-16432	163	5	,	,	PUNCT
fbem-16432	163	6	we	we	PRON
fbem-16432	163	7	should	should	AUX
fbem-16432	163	8	strengthen	strengthen	VERB
fbem-16432	163	9	technological	technological	ADJ
fbem-16432	163	10	investment	investment	NOUN
fbem-16432	163	11	,	,	PUNCT
fbem-16432	163	12	improve	improve	VERB
fbem-16432	163	13	the	the	DET
fbem-16432	163	14	stability	stability	NOUN
fbem-16432	163	15	and	and	CCONJ
fbem-16432	163	16	anti	anti	ADJ
fbem-16432	163	17	-	-	ADJ
fbem-16432	163	18	risk	risk	ADJ
fbem-16432	163	19	ability	ability	NOUN
fbem-16432	163	20	of	of	ADP
fbem-16432	163	21	digital	digital	ADJ
fbem-16432	163	22	financial	financial	ADJ
fbem-16432	163	23	systems	system	NOUN
fbem-16432	163	24	and	and	CCONJ
fbem-16432	163	25	platforms	platform	NOUN
fbem-16432	163	26	,	,	PUNCT
fbem-16432	163	27	and	and	CCONJ
fbem-16432	163	28	ensure	ensure	VERB
fbem-16432	163	29	the	the	DET
fbem-16432	163	30	safe	safe	ADJ
fbem-16432	163	31	development	development	NOUN
fbem-16432	163	32	of	of	ADP
fbem-16432	163	33	digital	digital	ADJ
fbem-16432	163	34	finance	finance	NOUN
fbem-16432	163	35	.	.	PUNCT
fbem-16432	164	1	second	second	ADV
fbem-16432	164	2	,	,	PUNCT
fbem-16432	164	3	strengthen	strengthen	VERB
fbem-16432	164	4	financial	financial	ADJ
fbem-16432	164	5	education	education	NOUN
fbem-16432	164	6	.	.	PUNCT
fbem-16432	165	1	through	through	ADP
fbem-16432	165	2	financial	financial	ADJ
fbem-16432	165	3	literacy	literacy	NOUN
fbem-16432	165	4	activities	activity	NOUN
fbem-16432	165	5	,	,	PUNCT
fbem-16432	165	6	families	family	NOUN
fbem-16432	165	7	'	'	PART
fbem-16432	165	8	awareness	awareness	NOUN
fbem-16432	165	9	of	of	ADP
fbem-16432	165	10	digital	digital	ADJ
fbem-16432	165	11	finance	finance	NOUN
fbem-16432	165	12	and	and	CCONJ
fbem-16432	165	13	risk	risk	NOUN
fbem-16432	165	14	awareness	awareness	NOUN
fbem-16432	165	15	are	be	AUX
fbem-16432	165	16	enhanced	enhance	VERB
fbem-16432	165	17	to	to	PART
fbem-16432	165	18	help	help	VERB
fbem-16432	165	19	them	they	PRON
fbem-16432	165	20	make	make	VERB
fbem-16432	165	21	financial	financial	ADJ
fbem-16432	165	22	investments	investment	NOUN
fbem-16432	165	23	more	more	ADV
fbem-16432	165	24	rationally	rationally	ADV
fbem-16432	165	25	.	.	PUNCT
fbem-16432	166	1	third	third	ADV
fbem-16432	166	2	,	,	PUNCT
fbem-16432	166	3	optimize	optimize	VERB
fbem-16432	166	4	digital	digital	ADJ
fbem-16432	166	5	financial	financial	ADJ
fbem-16432	166	6	products	product	NOUN
fbem-16432	166	7	.	.	PUNCT
fbem-16432	167	1	for	for	ADP
fbem-16432	167	2	financial	financial	ADJ
fbem-16432	167	3	institutions	institution	NOUN
fbem-16432	167	4	,	,	PUNCT
fbem-16432	167	5	they	they	PRON
fbem-16432	167	6	should	should	AUX
fbem-16432	167	7	further	far	ADV
fbem-16432	167	8	innovate	innovate	VERB
fbem-16432	167	9	digital	digital	ADJ
fbem-16432	167	10	financial	financial	ADJ
fbem-16432	167	11	products	product	NOUN
fbem-16432	167	12	to	to	PART
fbem-16432	167	13	meet	meet	VERB
fbem-16432	167	14	the	the	DET
fbem-16432	167	15	diversified	diversify	VERB
fbem-16432	167	16	investment	investment	NOUN
fbem-16432	167	17	needs	need	NOUN
fbem-16432	167	18	of	of	ADP
fbem-16432	167	19	differenthouseholds	differenthousehold	NOUN
fbem-16432	167	20	,	,	PUNCT
fbem-16432	167	21	constantly	constantly	ADV
fbem-16432	167	22	improve	improve	VERB
fbem-16432	167	23	the	the	DET
fbem-16432	167	24	competitiveness	competitiveness	NOUN
fbem-16432	167	25	and	and	CCONJ
fbem-16432	167	26	attractiveness	attractiveness	NOUN
fbem-16432	167	27	of	of	ADP
fbem-16432	167	28	digital	digital	ADJ
fbem-16432	167	29	financial	financial	ADJ
fbem-16432	167	30	products	product	NOUN
fbem-16432	167	31	,	,	PUNCT
fbem-16432	167	32	and	and	CCONJ
fbem-16432	167	33	promote	promote	VERB
fbem-16432	167	34	the	the	DET
fbem-16432	167	35	sustainable	sustainable	ADJ
fbem-16432	167	36	development	development	NOUN
fbem-16432	167	37	of	of	ADP
fbem-16432	167	38	digital	digital	ADJ
fbem-16432	167	39	finance	finance	NOUN
fbem-16432	167	40	.	.	PUNCT
fbem-16432	168	1	fourth	fourth	ADV
fbem-16432	168	2	,	,	PUNCT
fbem-16432	168	3	strengthen	strengthen	VERB
fbem-16432	168	4	oversight	oversight	NOUN
fbem-16432	168	5	.	.	PUNCT
fbem-16432	169	1	while	while	SCONJ
fbem-16432	169	2	encouraging	encourage	VERB
fbem-16432	169	3	the	the	DET
fbem-16432	169	4	development	development	NOUN
fbem-16432	169	5	of	of	ADP
fbem-16432	169	6	digital	digital	ADJ
fbem-16432	169	7	finance	finance	NOUN
fbem-16432	169	8	,	,	PUNCT
fbem-16432	169	9	it	it	PRON
fbem-16432	169	10	is	be	AUX
fbem-16432	169	11	necessary	necessary	ADJ
fbem-16432	169	12	to	to	PART
fbem-16432	169	13	strengthen	strengthen	VERB
fbem-16432	169	14	the	the	DET
fbem-16432	169	15	supervision	supervision	NOUN
fbem-16432	169	16	of	of	ADP
fbem-16432	169	17	related	related	ADJ
fbem-16432	169	18	businesses	business	NOUN
fbem-16432	169	19	,	,	PUNCT
fbem-16432	169	20	ensure	ensure	VERB
fbem-16432	169	21	the	the	DET
fbem-16432	169	22	fairness	fairness	NOUN
fbem-16432	169	23	and	and	CCONJ
fbem-16432	169	24	transparency	transparency	NOUN
fbem-16432	169	25	of	of	ADP
fbem-16432	169	26	the	the	DET
fbem-16432	169	27	market	market	NOUN
fbem-16432	169	28	,	,	PUNCT
fbem-16432	169	29	and	and	CCONJ
fbem-16432	169	30	provide	provide	VERB
fbem-16432	169	31	strong	strong	ADJ
fbem-16432	169	32	support	support	NOUN
fbem-16432	169	33	for	for	ADP
fbem-16432	169	34	the	the	DET
fbem-16432	169	35	healthy	healthy	ADJ
fbem-16432	169	36	and	and	CCONJ
fbem-16432	169	37	sustainable	sustainable	ADJ
fbem-16432	169	38	development	development	NOUN
fbem-16432	169	39	of	of	ADP
fbem-16432	169	40	digital	digital	ADJ
fbem-16432	169	41	finance	finance	NOUN
fbem-16432	169	42	.	.	PUNCT
fbem-16432	170	1	references	reference	NOUN
fbem-16432	170	2	[	[	X
fbem-16432	170	3	1	1	NUM
fbem-16432	170	4	]	]	X
fbem-16432	170	5	markowitz	markowitz	PROPN
fbem-16432	170	6	,	,	PUNCT
fbem-16432	170	7	h.	h.	PROPN
fbem-16432	170	8	portfolio	portfolio	PROPN
fbem-16432	170	9	selection	selection	NOUN
fbem-16432	171	1	[	[	X
fbem-16432	171	2	j	j	X
fbem-16432	171	3	]	]	X
fbem-16432	171	4	.	.	PUNCT
fbem-16432	172	1	journal	journal	PROPN
fbem-16432	172	2	of	of	ADP
fbem-16432	172	3	finance	finance	NOUN
fbem-16432	172	4	,	,	PUNCT
fbem-16432	172	5	1952	1952	NUM
fbem-16432	172	6	,	,	PUNCT
fbem-16432	172	7	7	7	NUM
fbem-16432	172	8	(	(	PUNCT
fbem-16432	172	9	1	1	NUM
fbem-16432	172	10	)	)	PUNCT
fbem-16432	172	11	:	:	PUNCT
fbem-16432	173	1	77	77	NUM
fbem-16432	173	2	-	-	SYM
fbem-16432	173	3	91	91	NUM
fbem-16432	173	4	.	.	PUNCT
fbem-16432	174	1	[	[	X
fbem-16432	174	2	2	2	X
fbem-16432	174	3	]	]	X
fbem-16432	174	4	tobin	tobin	PROPN
fbem-16432	174	5	j	j	PROPN
fbem-16432	174	6	liquidity	liquidity	NOUN
fbem-16432	174	7	preference	preference	NOUN
fbem-16432	174	8	as	as	ADP
fbem-16432	174	9	behavior	behavior	NOUN
fbem-16432	174	10	towards	towards	ADP
fbem-16432	174	11	risk[jl	risk[jl	PROPN
fbem-16432	174	12	.	.	PUNCT
fbem-16432	175	1	review	review	NOUN
fbem-16432	175	2	of	of	ADP
fbem-16432	175	3	economic	economic	ADJ
fbem-16432	175	4	studies	study	NOUN
fbem-16432	175	5	,	,	PUNCT
fbem-16432	175	6	1958	1958	NUM
fbem-16432	175	7	,	,	PUNCT
fbem-16432	175	8	25(2):65	25(2):65	NUM
fbem-16432	175	9	-	-	SYM
fbem-16432	175	10	86	86	NUM
fbem-16432	175	11	.	.	PUNCT
fbem-16432	176	1	[	[	X
fbem-16432	176	2	3	3	X
fbem-16432	176	3	]	]	X
fbem-16432	176	4	sharp	sharp	PROPN
fbem-16432	176	5	william	william	PROPN
fbem-16432	176	6	.	.	PUNCT
fbem-16432	176	7	capital	capital	PROPN
fbem-16432	176	8	asset	asset	NOUN
fbem-16432	176	9	prices	price	NOUN
fbem-16432	176	10	:	:	PUNCT
fbem-16432	176	11	a	a	DET
fbem-16432	176	12	theory	theory	NOUN
fbem-16432	176	13	of	of	ADP
fbem-16432	176	14	market	market	NOUN
fbem-16432	176	15	equilibrium	equilibrium	NOUN
fbem-16432	176	16	under	under	ADP
fbem-16432	176	17	condition	condition	NOUN
fbem-16432	176	18	of	of	ADP
fbem-16432	176	19	risk	risk	NOUN
fbem-16432	176	20	.	.	PUNCT
fbem-16432	177	1	journal	journal	NOUN
fbem-16432	177	2	of	of	ADP
fbem-16432	177	3	finance	finance	NOUN
fbem-16432	177	4	,	,	PUNCT
fbem-16432	177	5	1964	1964	NUM
fbem-16432	177	6	;	;	PUNCT
fbem-16432	177	7	12	12	NUM
fbem-16432	177	8	.	.	PUNCT
fbem-16432	178	1	[	[	X
fbem-16432	178	2	4	4	NUM
fbem-16432	178	3	]	]	X
fbem-16432	178	4	rc	rc	PROPN
fbem-16432	178	5	.	.	PROPN
fbem-16432	178	6	merton	merton	PROPN
fbem-16432	178	7	,	,	PUNCT
fbem-16432	178	8	《	《	NUM
fbem-16432	178	9	life	life	NOUN
fbem-16432	178	10	portfolio	portfolio	NOUN
fbem-16432	178	11	selection	selection	NOUN
fbem-16432	178	12	under	under	ADP
fbem-16432	178	13	uncertainty	uncertainty	NOUN
fbem-16432	178	14	:	:	PUNCT
fbem-16432	178	15	the	the	DET
fbem-16432	178	16	continuous	continuous	ADJ
fbem-16432	178	17	-	-	PUNCT
fbem-16432	178	18	time	time	NOUN
fbem-16432	178	19	case	case	NOUN
fbem-16432	178	20	》	》	NOUN
fbem-16432	178	21	,	,	PUNCT
fbem-16432	178	22	1969	1969	NUM
fbem-16432	178	23	.	.	PUNCT
fbem-16432	179	1	[	[	X
fbem-16432	179	2	5	5	X
fbem-16432	179	3	]	]	X
fbem-16432	179	4	guiso	guiso	PROPN
fbem-16432	179	5	l	l	PROPN
fbem-16432	179	6	haliassos	haliassos	PROPN
fbem-16432	179	7	m	m	PROPN
fbem-16432	179	8	,	,	PUNCT
fbem-16432	179	9	jappelli	jappelli	PROPN
fbem-16432	179	10	t	t	PROPN
fbem-16432	179	11	household	household	PROPN
fbem-16432	179	12	portfolios[m	portfolios[m	PROPN
fbem-16432	179	13	]	]	PUNCT
fbem-16432	179	14	.	.	PUNCT
fbem-16432	180	1	cambridge	cambridge	PROPN
fbem-16432	180	2	:	:	PUNCT
fbem-16432	180	3	mit	mit	PROPN
fbem-16432	180	4	press,2002:251	press,2002:251	PROPN
fbem-16432	180	5	-	-	NOUN
fbem-16432	180	6	290	290	NUM
fbem-16432	180	7	.	.	PUNCT
fbem-16432	181	1	[	[	X
fbem-16432	181	2	6	6	NUM
fbem-16432	181	3	]	]	PUNCT
fbem-16432	181	4	bogan	bogan	NOUN
fbem-16432	181	5	,	,	PUNCT
fbem-16432	181	6	v.	v.	ADP
fbem-16432	181	7	,2008	,2008	PRON
fbem-16432	181	8	,	,	PUNCT
fbem-16432	181	9	“	"	PUNCT
fbem-16432	181	10	stock	stock	NOUN
fbem-16432	181	11	market	market	NOUN
fbem-16432	181	12	participation	participation	NOUN
fbem-16432	181	13	and	and	CCONJ
fbem-16432	181	14	the	the	DET
fbem-16432	181	15	internet	internet	NOUN
fbem-16432	181	16	,	,	PUNCT
fbem-16432	181	17	”	"	PUNCT
fbem-16432	181	18	journal	journal	NOUN
fbem-16432	181	19	of	of	ADP
fbem-16432	181	20	financial	financial	ADJ
fbem-16432	181	21	and	and	CCONJ
fbem-16432	181	22	quantitative	quantitative	ADJ
fbem-16432	181	23	analysis	analysis	NOUN
fbem-16432	181	24	,	,	PUNCT
fbem-16432	181	25	43(01	43(01	NOUN
fbem-16432	181	26	)	)	PUNCT
fbem-16432	181	27	,	,	PUNCT
fbem-16432	181	28	pp	pp	ADP
fbem-16432	181	29	.	.	PUNCT
fbem-16432	182	1	191	191	NUM
fbem-16432	182	2	-	-	SYM
fbem-16432	182	3	211	211	NUM
fbem-16432	182	4	.	.	PUNCT
fbem-16432	183	1	[	[	X
fbem-16432	183	2	7	7	NUM
fbem-16432	183	3	]	]	X
fbem-16432	183	4	bertaut	bertaut	NOUN
fbem-16432	183	5	,	,	PUNCT
fbem-16432	183	6	c.	c.	PROPN
fbem-16432	183	7	c.	c.	PROPN
fbem-16432	183	8	,	,	PUNCT
fbem-16432	183	9	1998	1998	NUM
fbem-16432	183	10	,	,	PUNCT
fbem-16432	183	11	“	"	PUNCT
fbem-16432	183	12	stockholding	stockholde	VERB
fbem-16432	183	13	behavior	behavior	NOUN
fbem-16432	183	14	of	of	ADP
fbem-16432	183	15	us	us	PROPN
fbem-16432	183	16	households	household	NOUN
fbem-16432	183	17	:	:	PUNCT
fbem-16432	183	18	evidence	evidence	NOUN
fbem-16432	183	19	from	from	ADP
fbem-16432	183	20	the	the	DET
fbem-16432	183	21	1983	1983	NUM
fbem-16432	183	22	-	-	SYM
fbem-16432	183	23	1989	1989	NUM
fbem-16432	183	24	survey	survey	NOUN
fbem-16432	183	25	of	of	ADP
fbem-16432	183	26	consumer	consumer	NOUN
fbem-16432	183	27	finances	finance	NOUN
fbem-16432	183	28	"	"	PUNCT
fbem-16432	183	29	review	review	NOUN
fbem-16432	183	30	of	of	ADP
fbem-16432	183	31	economics	economic	NOUN
fbem-16432	183	32	and	and	CCONJ
fbem-16432	183	33	statistics	statistic	NOUN
fbem-16432	183	34	,	,	PUNCT
fbem-16432	183	35	80(2),pp	80(2),pp	NUM
fbem-16432	183	36	.	.	PUNCT
fbem-16432	183	37	263~275	263~275	NUM
fbem-16432	183	38	.	.	PUNCT
fbem-16432	184	1	[	[	X
fbem-16432	184	2	8	8	NUM
fbem-16432	184	3	]	]	X
fbem-16432	184	4	guiso	guiso	PROPN
fbem-16432	184	5	l	l	PROPN
fbem-16432	184	6	haliassos	haliassos	PROPN
fbem-16432	184	7	m	m	PROPN
fbem-16432	184	8	,	,	PUNCT
fbem-16432	184	9	jappelli	jappelli	PROPN
fbem-16432	184	10	t	t	PROPN
fbem-16432	184	11	household	household	PROPN
fbem-16432	184	12	portfolios[m	portfolios[m	PROPN
fbem-16432	184	13	]	]	PUNCT
fbem-16432	184	14	.	.	PUNCT
fbem-16432	185	1	cambridge	cambridge	PROPN
fbem-16432	185	2	:	:	PUNCT
fbem-16432	185	3	mit	mit	PROPN
fbem-16432	185	4	press,2002:251	press,2002:251	PROPN
fbem-16432	185	5	-	-	NOUN
fbem-16432	185	6	290	290	NUM
fbem-16432	185	7	.	.	PUNCT
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fbem-16432	186	2	9	9	NUM
fbem-16432	186	3	]	]	SYM
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fbem-16432	186	5	haliassos	haliassos	NOUN
fbem-16432	186	6	m	m	PROPN
fbem-16432	186	7	,	,	PUNCT
fbem-16432	186	8	jappelli	jappelli	PROPN
fbem-16432	186	9	t	t	PROPN
fbem-16432	186	10	household	household	NOUN
fbem-16432	186	11	stockholding	stockholding	NOUN
fbem-16432	186	12	in	in	ADP
fbem-16432	186	13	europe	europe	PROPN
fbem-16432	186	14	:	:	PUNCT
fbem-16432	186	15	where	where	SCONJ
fbem-16432	186	16	do	do	AUX
fbem-16432	186	17	we	we	PRON
fbem-16432	186	18	stand	stand	VERB
fbem-16432	186	19	and	and	CCONJ
fbem-16432	186	20	where	where	SCONJ
fbem-16432	186	21	do	do	AUX
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fbem-16432	186	23	go[jl	go[jl	NOUN
fbem-16432	186	24	.	.	PUNCT
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fbem-16432	187	2	policy2003	policy2003	PROPN
fbem-16432	187	3	,	,	PUNCT
fbem-16432	187	4	18(36):123	18(36):123	NUM
fbem-16432	187	5	-	-	SYM
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fbem-16432	187	7	.	.	PUNCT
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fbem-16432	188	2	10	10	NUM
fbem-16432	188	3	]	]	X
fbem-16432	188	4	campbell	campbell	PROPN
fbem-16432	188	5	jy	jy	PROPN
fbem-16432	188	6	household	household	PROPN
fbem-16432	188	7	finance[j	finance[j	PROPN
fbem-16432	188	8	]	]	PUNCT
fbem-16432	188	9	.	.	PUNCT
fbem-16432	189	1	journal	journal	PROPN
fbem-16432	189	2	offinance	offinance	NOUN
fbem-16432	189	3	,	,	PUNCT
fbem-16432	189	4	2006	2006	NUM
fbem-16432	189	5	,	,	PUNCT
fbem-16432	189	6	61(4	61(4	NUM
fbem-16432	189	7	):	):	PUNCT
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fbem-16432	189	9	-	-	SYM
fbem-16432	189	10	1604	1604	NUM
fbem-16432	189	11	.	.	PUNCT
fbem-16432	190	1	[	[	X
fbem-16432	190	2	11	11	NUM
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fbem-16432	190	4	agnew	agnew	PROPN
fbem-16432	190	5	j	j	PROPN
fbem-16432	190	6	balduzzi	balduzzi	PROPN
fbem-16432	190	7	p	p	PROPN
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fbem-16432	190	9	a.	a.	NOUN
fbem-16432	190	10	portfolio	portfolio	NOUN
fbem-16432	190	11	choice	choice	NOUN
fbem-16432	190	12	and	and	CCONJ
fbem-16432	190	13	trading	trading	NOUN
fbem-16432	190	14	in	in	ADP
fbem-16432	190	15	large	large	ADJ
fbem-16432	190	16	401(k	401(k	PROPN
fbem-16432	190	17	)	)	PUNCT
fbem-16432	190	18	plan	plan	NOUN
fbem-16432	191	1	[	[	X
fbem-16432	192	1	j	j	X
fbem-16432	192	2	]	]	X
fbem-16432	192	3	.	.	PUNCT
fbem-16432	193	1	american	american	PROPN
fbem-16432	193	2	economic	economic	PROPN
fbem-16432	193	3	review2003	review2003	PROPN
fbem-16432	193	4	,	,	PUNCT
fbem-16432	193	5	93	93	NUM
fbem-16432	193	6	(	(	PUNCT
fbem-16432	193	7	1	1	NUM
fbem-16432	193	8	):	):	PUNCT
fbem-16432	193	9	193	193	NUM
fbem-16432	193	10	-	-	SYM
fbem-16432	193	11	215	215	NUM
fbem-16432	193	12	.	.	PUNCT
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fbem-16432	194	2	12	12	NUM
fbem-16432	194	3	]	]	PUNCT
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fbem-16432	194	5	bd	bd	PROPN
fbem-16432	194	6	garrett	garrett	PROPN
fbem-16432	194	7	dm	dm	PROPN
fbem-16432	194	8	the	the	DET
fbem-16432	194	9	effects	effect	NOUN
fbem-16432	194	10	of	of	ADP
fbem-16432	194	11	financial	financial	ADJ
fbem-16432	194	12	education	education	NOUN
fbem-16432	194	13	in	in	ADP
fbem-16432	194	14	the	the	DET
fbem-16432	194	15	workplace	workplace	NOUN
fbem-16432	194	16	evidence	evidence	NOUN
fbem-16432	194	17	from	from	ADP
fbem-16432	194	18	a	a	DET
fbem-16432	194	19	survey	survey	NOUN
fbem-16432	194	20	of	of	ADP
fbem-16432	194	21	households[j	households[j	NOUN
fbem-16432	194	22	]	]	PUNCT
fbem-16432	194	23	.	.	PUNCT
fbem-16432	195	1	journal	journal	PROPN
fbem-16432	195	2	of	of	ADP
fbem-16432	195	3	public	public	ADJ
fbem-16432	195	4	economics	economic	NOUN
fbem-16432	195	5	,	,	PUNCT
fbem-16432	195	6	2003	2003	NUM
fbem-16432	195	7	,	,	PUNCT
fbem-16432	195	8	87(7	87(7	NOUN
fbem-16432	195	9	-	-	SYM
fbem-16432	195	10	8)	8)	NUM
fbem-16432	195	11	:	:	PUNCT
fbem-16432	195	12	1487	1487	NUM
fbem-16432	195	13	-	-	SYM
fbem-16432	195	14	1519	1519	NUM
fbem-16432	195	15	.	.	PUNCT
fbem-16432	196	1	[	[	X
fbem-16432	196	2	13	13	NUM
fbem-16432	196	3	]	]	X
fbem-16432	196	4	campbell	campbell	PROPN
fbem-16432	196	5	jy	jy	PROPN
fbem-16432	196	6	household	household	PROPN
fbem-16432	196	7	finance[j	finance[j	PROPN
fbem-16432	196	8	]	]	PUNCT
fbem-16432	196	9	.	.	PUNCT
fbem-16432	197	1	journal	journal	PROPN
fbem-16432	197	2	offinance	offinance	NOUN
fbem-16432	197	3	,	,	PUNCT
fbem-16432	197	4	2006	2006	NUM
fbem-16432	197	5	,	,	PUNCT
fbem-16432	197	6	61(4	61(4	NUM
fbem-16432	197	7	):	):	PUNCT
fbem-16432	197	8	1553	1553	NUM
fbem-16432	197	9	-	-	SYM
fbem-16432	197	10	1604	1604	NUM
fbem-16432	197	11	.	.	PUNCT
fbem-16432	198	1	[	[	X
fbem-16432	198	2	14	14	NUM
fbem-16432	198	3	]	]	SYM
fbem-16432	198	4	poterba	poterba	NOUN
fbem-16432	198	5	jm	jm	PROPN
fbem-16432	198	6	samwick	samwick	PROPN
fbem-16432	198	7	a	a	DET
fbem-16432	198	8	taxation	taxation	NOUN
fbem-16432	198	9	and	and	CCONJ
fbem-16432	198	10	household	household	NOUN
fbem-16432	198	11	portfolio	portfolio	NOUN
fbem-16432	198	12	composition	composition	NOUN
fbem-16432	198	13	:	:	PUNCT
fbem-16432	198	14	evidence	evidence	NOUN
fbem-16432	198	15	from	from	ADP
fbem-16432	198	16	tax	tax	NOUN
fbem-16432	198	17	reforms	reform	NOUN
fbem-16432	198	18	in	in	ADP
fbem-16432	198	19	the	the	DET
fbem-16432	198	20	1980s	1980	NOUN
fbem-16432	198	21	and	and	CCONJ
fbem-16432	198	22	1990s[j	1990s[j	NUM
fbem-16432	198	23	]	]	PUNCT
fbem-16432	198	24	.	.	PUNCT
fbem-16432	199	1	journal	journal	PROPN
fbem-16432	199	2	of	of	ADP
fbem-16432	199	3	public	public	ADJ
fbem-16432	199	4	economics,2003,87(1):5	economics,2003,87(1):5	PROPN
fbem-16432	199	5	-	-	PUNCT
fbem-16432	199	6	38	38	NUM
fbem-16432	199	7	.	.	PUNCT
fbem-16432	200	1	[	[	X
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fbem-16432	200	6	.	.	PROPN
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fbem-16432	200	11	choice[j	choice[j	NOUN
fbem-16432	200	12	]	]	PUNCT
fbem-16432	200	13	.	.	PUNCT
fbem-16432	201	1	journal	journal	PROPN
fbem-16432	201	2	of	of	ADP
fbem-16432	201	3	business	business	NOUN
fbem-16432	201	4	and	and	CCONJ
fbem-16432	201	5	economic	economic	ADJ
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fbem-16432	201	7	-	-	PUNCT
fbem-16432	201	8	485	485	NUM
fbem-16432	201	9	.	.	PUNCT