id	sid	tid	token	lemma	pos
fbem-16462	1	1	frontiers	frontier	NOUN
fbem-16462	1	2	in	in	ADP
fbem-16462	1	3	business	business	NOUN
fbem-16462	1	4	,	,	PUNCT
fbem-16462	1	5	economics	economic	NOUN
fbem-16462	1	6	and	and	CCONJ
fbem-16462	1	7	management	management	NOUN
fbem-16462	1	8	issn	issn	PROPN
fbem-16462	1	9	:	:	PUNCT
fbem-16462	1	10	2766	2766	NUM
fbem-16462	1	11	-	-	PUNCT
fbem-16462	1	12	824x	824x	NUM
fbem-16462	1	13	|	|	ADJ
fbem-16462	1	14	vol	vol	NOUN
fbem-16462	1	15	.	.	PROPN
fbem-16462	1	16	13	13	NUM
fbem-16462	1	17	,	,	PUNCT
fbem-16462	1	18	no	no	INTJ
fbem-16462	1	19	.	.	NOUN
fbem-16462	1	20	1	1	NUM
fbem-16462	1	21	,	,	PUNCT
fbem-16462	1	22	2024	2024	NUM
fbem-16462	1	23	138	138	NUM
fbem-16462	1	24	study	study	NOUN
fbem-16462	1	25	of	of	ADP
fbem-16462	1	26	the	the	DET
fbem-16462	1	27	impact	impact	NOUN
fbem-16462	1	28	of	of	ADP
fbem-16462	1	29	housing	housing	PROPN
fbem-16462	1	30	provident	provident	ADJ
fbem-16462	1	31	fund	fund	NOUN
fbem-16462	1	32	on	on	ADP
fbem-16462	1	33	urban	urban	ADJ
fbem-16462	1	34	households	household	NOUN
fbem-16462	1	35	’	'	PUNCT
fbem-16462	1	36	investment	investment	NOUN
fbem-16462	1	37	in	in	ADP
fbem-16462	1	38	risky	risky	ADJ
fbem-16462	1	39	financial	financial	ADJ
fbem-16462	1	40	assets	asset	NOUN
fbem-16462	1	41	junyao	junyao	PROPN
fbem-16462	1	42	wang	wang	PROPN
fbem-16462	1	43	school	school	PROPN
fbem-16462	1	44	of	of	ADP
fbem-16462	1	45	finance	finance	NOUN
fbem-16462	1	46	,	,	PUNCT
fbem-16462	1	47	anhui	anhui	PROPN
fbem-16462	1	48	university	university	PROPN
fbem-16462	1	49	of	of	ADP
fbem-16462	1	50	economics	economic	NOUN
fbem-16462	1	51	and	and	CCONJ
fbem-16462	1	52	finance	finance	NOUN
fbem-16462	1	53	,	,	PUNCT
fbem-16462	1	54	bengbu	bengbu	NOUN
fbem-16462	1	55	233030	233030	NUM
fbem-16462	1	56	,	,	PUNCT
fbem-16462	1	57	china	china	PROPN
fbem-16462	1	58	abstract	abstract	NOUN
fbem-16462	1	59	:	:	PUNCT
fbem-16462	1	60	based	base	VERB
fbem-16462	1	61	on	on	ADP
fbem-16462	1	62	the	the	DET
fbem-16462	1	63	2019	2019	NUM
fbem-16462	1	64	chfs	chfs	PROPN
fbem-16462	1	65	data	datum	NOUN
fbem-16462	1	66	,	,	PUNCT
fbem-16462	1	67	this	this	DET
fbem-16462	1	68	paper	paper	NOUN
fbem-16462	1	69	utilizes	utilize	VERB
fbem-16462	1	70	the	the	DET
fbem-16462	1	71	tobit	tobit	NOUN
fbem-16462	1	72	model	model	NOUN
fbem-16462	1	73	to	to	PART
fbem-16462	1	74	consider	consider	VERB
fbem-16462	1	75	the	the	DET
fbem-16462	1	76	impact	impact	NOUN
fbem-16462	1	77	of	of	ADP
fbem-16462	1	78	housing	housing	PROPN
fbem-16462	1	79	provident	provident	ADJ
fbem-16462	1	80	fund	fund	NOUN
fbem-16462	1	81	on	on	ADP
fbem-16462	1	82	urban	urban	ADJ
fbem-16462	1	83	households	household	NOUN
fbem-16462	1	84	'	'	PART
fbem-16462	1	85	investment	investment	NOUN
fbem-16462	1	86	in	in	ADP
fbem-16462	1	87	risky	risky	ADJ
fbem-16462	1	88	financial	financial	ADJ
fbem-16462	1	89	assets	asset	NOUN
fbem-16462	1	90	and	and	CCONJ
fbem-16462	1	91	its	its	PRON
fbem-16462	1	92	mechanism	mechanism	NOUN
fbem-16462	1	93	of	of	ADP
fbem-16462	1	94	action	action	NOUN
fbem-16462	1	95	.	.	PUNCT
fbem-16462	2	1	the	the	DET
fbem-16462	2	2	results	result	NOUN
fbem-16462	2	3	show	show	VERB
fbem-16462	2	4	that	that	SCONJ
fbem-16462	2	5	holding	hold	VERB
fbem-16462	2	6	housing	housing	NOUN
fbem-16462	2	7	provident	provident	ADJ
fbem-16462	2	8	fund	fund	NOUN
fbem-16462	2	9	is	be	AUX
fbem-16462	2	10	increases	increase	VERB
fbem-16462	2	11	the	the	DET
fbem-16462	2	12	investment	investment	NOUN
fbem-16462	2	13	ratio	ratio	NOUN
fbem-16462	2	14	of	of	ADP
fbem-16462	2	15	urban	urban	ADJ
fbem-16462	2	16	households	household	NOUN
fbem-16462	2	17	for	for	ADP
fbem-16462	2	18	financial	financial	ADJ
fbem-16462	2	19	products	product	NOUN
fbem-16462	2	20	and	and	CCONJ
fbem-16462	2	21	risky	risky	ADJ
fbem-16462	2	22	financial	financial	ADJ
fbem-16462	2	23	assets	asset	NOUN
fbem-16462	2	24	,	,	PUNCT
fbem-16462	2	25	and	and	CCONJ
fbem-16462	2	26	there	there	PRON
fbem-16462	2	27	are	be	VERB
fbem-16462	2	28	differences	difference	NOUN
fbem-16462	2	29	in	in	ADP
fbem-16462	2	30	household	household	NOUN
fbem-16462	2	31	income	income	NOUN
fbem-16462	2	32	levels	level	NOUN
fbem-16462	2	33	and	and	CCONJ
fbem-16462	2	34	financial	financial	ADJ
fbem-16462	2	35	literacy	literacy	NOUN
fbem-16462	2	36	.	.	PUNCT
fbem-16462	3	1	further	further	ADJ
fbem-16462	3	2	research	research	NOUN
fbem-16462	3	3	found	find	VERB
fbem-16462	3	4	that	that	SCONJ
fbem-16462	3	5	housing	housing	NOUN
fbem-16462	3	6	provident	provident	ADJ
fbem-16462	3	7	fund	fund	NOUN
fbem-16462	3	8	significantly	significantly	ADV
fbem-16462	3	9	increases	increase	VERB
fbem-16462	3	10	urban	urban	ADJ
fbem-16462	3	11	households	household	NOUN
fbem-16462	3	12	’	'	PUNCT
fbem-16462	3	13	future	future	ADJ
fbem-16462	3	14	expectations	expectation	NOUN
fbem-16462	3	15	and	and	CCONJ
fbem-16462	3	16	happiness	happiness	NOUN
fbem-16462	3	17	,	,	PUNCT
fbem-16462	3	18	and	and	CCONJ
fbem-16462	3	19	thus	thus	ADV
fbem-16462	3	20	increases	increase	VERB
fbem-16462	3	21	the	the	DET
fbem-16462	3	22	investment	investment	NOUN
fbem-16462	3	23	ratio	ratio	NOUN
fbem-16462	3	24	of	of	ADP
fbem-16462	3	25	households	household	NOUN
fbem-16462	3	26	in	in	ADP
fbem-16462	3	27	financial	financial	ADJ
fbem-16462	3	28	products	product	NOUN
fbem-16462	3	29	and	and	CCONJ
fbem-16462	3	30	risky	risky	ADJ
fbem-16462	3	31	financial	financial	ADJ
fbem-16462	3	32	assets	asset	NOUN
fbem-16462	3	33	.	.	PUNCT
fbem-16462	4	1	the	the	PRON
fbem-16462	4	2	better	well	ADJ
fbem-16462	4	3	the	the	DET
fbem-16462	4	4	household	household	NOUN
fbem-16462	4	5	’s	’s	PART
fbem-16462	4	6	financial	financial	ADJ
fbem-16462	4	7	situation	situation	NOUN
fbem-16462	4	8	,	,	PUNCT
fbem-16462	4	9	the	the	PRON
fbem-16462	4	10	higher	high	ADJ
fbem-16462	4	11	the	the	DET
fbem-16462	4	12	rate	rate	NOUN
fbem-16462	4	13	of	of	ADP
fbem-16462	4	14	investment	investment	NOUN
fbem-16462	4	15	in	in	ADP
fbem-16462	4	16	financial	financial	ADJ
fbem-16462	4	17	products	product	NOUN
fbem-16462	4	18	and	and	CCONJ
fbem-16462	4	19	risky	risky	ADJ
fbem-16462	4	20	financial	financial	ADJ
fbem-16462	4	21	assets	asset	NOUN
fbem-16462	4	22	will	will	AUX
fbem-16462	4	23	be	be	AUX
fbem-16462	4	24	when	when	SCONJ
fbem-16462	4	25	the	the	DET
fbem-16462	4	26	household	household	NOUN
fbem-16462	4	27	owns	own	VERB
fbem-16462	4	28	housing	housing	NOUN
fbem-16462	4	29	provident	provident	ADJ
fbem-16462	4	30	fund	fund	NOUN
fbem-16462	4	31	.	.	PUNCT
fbem-16462	5	1	keywords	keyword	NOUN
fbem-16462	5	2	:	:	PUNCT
fbem-16462	5	3	housing	housing	PROPN
fbem-16462	5	4	provident	provident	PROPN
fbem-16462	5	5	fund	fund	PROPN
fbem-16462	5	6	,	,	PUNCT
fbem-16462	5	7	risky	risky	ADJ
fbem-16462	5	8	financial	financial	ADJ
fbem-16462	5	9	asset	asset	NOUN
fbem-16462	5	10	investment	investment	NOUN
fbem-16462	5	11	,	,	PUNCT
fbem-16462	5	12	financial	financial	ADJ
fbem-16462	5	13	product	product	NOUN
fbem-16462	5	14	investment	investment	NOUN
fbem-16462	5	15	.	.	PUNCT
fbem-16462	6	1	1	1	X
fbem-16462	6	2	.	.	X
fbem-16462	6	3	introduction	introduction	NOUN
fbem-16462	6	4	today	today	NOUN
fbem-16462	6	5	's	's	PART
fbem-16462	6	6	world	world	NOUN
fbem-16462	6	7	economy	economy	NOUN
fbem-16462	6	8	is	be	AUX
fbem-16462	6	9	constantly	constantly	ADV
fbem-16462	6	10	developing	develop	VERB
fbem-16462	6	11	,	,	PUNCT
fbem-16462	6	12	and	and	CCONJ
fbem-16462	6	13	the	the	DET
fbem-16462	6	14	lives	life	NOUN
fbem-16462	6	15	of	of	ADP
fbem-16462	6	16	our	our	PRON
fbem-16462	6	17	residents	resident	NOUN
fbem-16462	6	18	are	be	AUX
fbem-16462	6	19	constantly	constantly	ADV
fbem-16462	6	20	evolving	evolve	VERB
fbem-16462	6	21	in	in	ADP
fbem-16462	6	22	a	a	DET
fbem-16462	6	23	better	well	ADJ
fbem-16462	6	24	direction	direction	NOUN
fbem-16462	6	25	.	.	PUNCT
fbem-16462	7	1	the	the	DET
fbem-16462	7	2	report	report	NOUN
fbem-16462	7	3	of	of	ADP
fbem-16462	7	4	the	the	DET
fbem-16462	7	5	twentieth	twentieth	PROPN
fbem-16462	7	6	party	party	PROPN
fbem-16462	7	7	congress	congress	PROPN
fbem-16462	7	8	points	point	VERB
fbem-16462	7	9	out	out	ADP
fbem-16462	7	10	that	that	SCONJ
fbem-16462	7	11	the	the	DET
fbem-16462	7	12	policy	policy	NOUN
fbem-16462	7	13	system	system	NOUN
fbem-16462	7	14	of	of	ADP
fbem-16462	7	15	distribution	distribution	NOUN
fbem-16462	7	16	according	accord	VERB
fbem-16462	7	17	to	to	ADP
fbem-16462	7	18	factors	factor	NOUN
fbem-16462	7	19	should	should	AUX
fbem-16462	7	20	be	be	AUX
fbem-16462	7	21	improved	improve	VERB
fbem-16462	7	22	,	,	PUNCT
fbem-16462	7	23	multiple	multiple	ADJ
fbem-16462	7	24	channels	channel	NOUN
fbem-16462	7	25	should	should	AUX
fbem-16462	7	26	be	be	AUX
fbem-16462	7	27	explored	explore	VERB
fbem-16462	7	28	to	to	PART
fbem-16462	7	29	increase	increase	VERB
fbem-16462	7	30	the	the	DET
fbem-16462	7	31	factor	factor	NOUN
fbem-16462	7	32	incomes	income	NOUN
fbem-16462	7	33	of	of	ADP
fbem-16462	7	34	middleand	middleand	PROPN
fbem-16462	7	35	low	low	ADJ
fbem-16462	7	36	-	-	PUNCT
fbem-16462	7	37	income	income	NOUN
fbem-16462	7	38	groups	group	NOUN
fbem-16462	7	39	,	,	PUNCT
fbem-16462	7	40	and	and	CCONJ
fbem-16462	7	41	multiple	multiple	ADJ
fbem-16462	7	42	channels	channel	NOUN
fbem-16462	7	43	should	should	AUX
fbem-16462	7	44	be	be	AUX
fbem-16462	7	45	used	use	VERB
fbem-16462	7	46	to	to	PART
fbem-16462	7	47	increase	increase	VERB
fbem-16462	7	48	the	the	DET
fbem-16462	7	49	property	property	NOUN
fbem-16462	7	50	incomes	income	NOUN
fbem-16462	7	51	of	of	ADP
fbem-16462	7	52	urban	urban	ADJ
fbem-16462	7	53	and	and	CCONJ
fbem-16462	7	54	rural	rural	ADJ
fbem-16462	7	55	residents	resident	NOUN
fbem-16462	7	56	.	.	PUNCT
fbem-16462	8	1	in	in	ADP
fbem-16462	8	2	terms	term	NOUN
fbem-16462	8	3	of	of	ADP
fbem-16462	8	4	significance	significance	NOUN
fbem-16462	8	5	,	,	PUNCT
fbem-16462	8	6	raising	raise	VERB
fbem-16462	8	7	property	property	NOUN
fbem-16462	8	8	income	income	NOUN
fbem-16462	8	9	will	will	AUX
fbem-16462	8	10	make	make	VERB
fbem-16462	8	11	people	people	NOUN
fbem-16462	8	12	's	's	PART
fbem-16462	8	13	lives	life	NOUN
fbem-16462	8	14	happier	happy	ADJ
fbem-16462	8	15	and	and	CCONJ
fbem-16462	8	16	better	well	ADV
fbem-16462	8	17	,	,	PUNCT
fbem-16462	8	18	and	and	CCONJ
fbem-16462	8	19	bring	bring	VERB
fbem-16462	8	20	per	per	ADP
fbem-16462	8	21	capita	capita	X
fbem-16462	8	22	disposable	disposable	ADJ
fbem-16462	8	23	income	income	NOUN
fbem-16462	8	24	to	to	ADP
fbem-16462	8	25	a	a	DET
fbem-16462	8	26	new	new	ADJ
fbem-16462	8	27	level	level	NOUN
fbem-16462	8	28	.	.	PUNCT
fbem-16462	9	1	the	the	DET
fbem-16462	9	2	progress	progress	NOUN
fbem-16462	9	3	of	of	ADP
fbem-16462	9	4	all	all	DET
fbem-16462	9	5	people	people	NOUN
fbem-16462	9	6	towards	towards	ADP
fbem-16462	9	7	common	common	ADJ
fbem-16462	9	8	prosperity	prosperity	NOUN
fbem-16462	9	9	is	be	AUX
fbem-16462	9	10	also	also	ADV
fbem-16462	9	11	conducive	conducive	ADJ
fbem-16462	9	12	to	to	ADP
fbem-16462	9	13	the	the	DET
fbem-16462	9	14	realization	realization	NOUN
fbem-16462	9	15	of	of	ADP
fbem-16462	9	16	chinese	chinese	ADJ
fbem-16462	9	17	-	-	PUNCT
fbem-16462	9	18	style	style	NOUN
fbem-16462	9	19	modernization	modernization	NOUN
fbem-16462	9	20	.	.	PUNCT
fbem-16462	10	1	further	far	ADV
fbem-16462	10	2	from	from	ADP
fbem-16462	10	3	the	the	DET
fbem-16462	10	4	existing	exist	VERB
fbem-16462	10	5	national	national	ADJ
fbem-16462	10	6	situation	situation	NOUN
fbem-16462	10	7	,	,	PUNCT
fbem-16462	10	8	on	on	ADP
fbem-16462	10	9	the	the	DET
fbem-16462	10	10	one	one	NUM
fbem-16462	10	11	hand	hand	NOUN
fbem-16462	10	12	,	,	PUNCT
fbem-16462	10	13	the	the	DET
fbem-16462	10	14	current	current	ADJ
fbem-16462	10	15	wealth	wealth	NOUN
fbem-16462	10	16	structure	structure	NOUN
fbem-16462	10	17	of	of	ADP
fbem-16462	10	18	chinese	chinese	ADJ
fbem-16462	10	19	residents	resident	NOUN
fbem-16462	10	20	is	be	AUX
fbem-16462	10	21	in	in	ADP
fbem-16462	10	22	transition	transition	NOUN
fbem-16462	10	23	,	,	PUNCT
fbem-16462	10	24	from	from	ADP
fbem-16462	10	25	physical	physical	ADJ
fbem-16462	10	26	assets	asset	NOUN
fbem-16462	10	27	to	to	ADP
fbem-16462	10	28	financial	financial	ADJ
fbem-16462	10	29	assets	asset	NOUN
fbem-16462	10	30	,	,	PUNCT
fbem-16462	10	31	and	and	CCONJ
fbem-16462	10	32	from	from	ADP
fbem-16462	10	33	a	a	DET
fbem-16462	10	34	single	single	ADJ
fbem-16462	10	35	allocation	allocation	NOUN
fbem-16462	10	36	to	to	ADP
fbem-16462	10	37	multiple	multiple	ADJ
fbem-16462	10	38	allocations	allocation	NOUN
fbem-16462	10	39	.	.	PUNCT
fbem-16462	11	1	on	on	ADP
fbem-16462	11	2	the	the	DET
fbem-16462	11	3	other	other	ADJ
fbem-16462	11	4	hand	hand	NOUN
fbem-16462	11	5	,	,	PUNCT
fbem-16462	11	6	the	the	DET
fbem-16462	11	7	housing	housing	PROPN
fbem-16462	11	8	provident	provident	ADJ
fbem-16462	11	9	fund	fund	NOUN
fbem-16462	11	10	system	system	NOUN
fbem-16462	11	11	was	be	AUX
fbem-16462	11	12	established	establish	VERB
fbem-16462	11	13	in	in	ADP
fbem-16462	11	14	china	china	PROPN
fbem-16462	11	15	to	to	PART
fbem-16462	11	16	play	play	VERB
fbem-16462	11	17	a	a	DET
fbem-16462	11	18	protective	protective	ADJ
fbem-16462	11	19	role	role	NOUN
fbem-16462	11	20	,	,	PUNCT
fbem-16462	11	21	and	and	CCONJ
fbem-16462	11	22	the	the	DET
fbem-16462	11	23	coverage	coverage	NOUN
fbem-16462	11	24	of	of	ADP
fbem-16462	11	25	the	the	DET
fbem-16462	11	26	housing	housing	PROPN
fbem-16462	11	27	provident	provident	ADJ
fbem-16462	11	28	fund	fund	NOUN
fbem-16462	11	29	is	be	AUX
fbem-16462	11	30	getting	get	VERB
fbem-16462	11	31	bigger	big	ADJ
fbem-16462	11	32	and	and	CCONJ
fbem-16462	11	33	bigger	big	ADJ
fbem-16462	11	34	,	,	PUNCT
fbem-16462	11	35	and	and	CCONJ
fbem-16462	11	36	the	the	DET
fbem-16462	11	37	effective	effective	ADJ
fbem-16462	11	38	allocation	allocation	NOUN
fbem-16462	11	39	of	of	ADP
fbem-16462	11	40	the	the	DET
fbem-16462	11	41	residents	resident	NOUN
fbem-16462	11	42	'	'	PART
fbem-16462	11	43	financial	financial	ADJ
fbem-16462	11	44	assets	asset	NOUN
fbem-16462	11	45	is	be	AUX
fbem-16462	11	46	an	an	DET
fbem-16462	11	47	important	important	ADJ
fbem-16462	11	48	way	way	NOUN
fbem-16462	11	49	to	to	PART
fbem-16462	11	50	improve	improve	VERB
fbem-16462	11	51	the	the	DET
fbem-16462	11	52	residents	resident	NOUN
fbem-16462	11	53	'	'	PART
fbem-16462	11	54	property	property	NOUN
fbem-16462	11	55	income	income	NOUN
fbem-16462	11	56	.	.	PUNCT
fbem-16462	12	1	the	the	DET
fbem-16462	12	2	national	national	PROPN
fbem-16462	12	3	housing	housing	PROPN
fbem-16462	12	4	provident	provident	PROPN
fbem-16462	12	5	fund	fund	PROPN
fbem-16462	12	6	annual	annual	ADJ
fbem-16462	12	7	report	report	NOUN
fbem-16462	12	8	2022	2022	NUM
fbem-16462	12	9	shows	show	VERB
fbem-16462	12	10	that	that	SCONJ
fbem-16462	12	11	the	the	DET
fbem-16462	12	12	amount	amount	NOUN
fbem-16462	12	13	of	of	ADP
fbem-16462	12	14	housing	housing	NOUN
fbem-16462	12	15	provident	provident	ADJ
fbem-16462	12	16	fund	fund	NOUN
fbem-16462	12	17	deposits	deposit	NOUN
fbem-16462	12	18	in	in	ADP
fbem-16462	12	19	2022	2022	NUM
fbem-16462	12	20	increased	increase	VERB
fbem-16462	12	21	by	by	ADP
fbem-16462	12	22	9.53	9.53	NUM
fbem-16462	12	23	%	%	NOUN
fbem-16462	12	24	compared	compare	VERB
fbem-16462	12	25	with	with	ADP
fbem-16462	12	26	the	the	DET
fbem-16462	12	27	previous	previous	ADJ
fbem-16462	12	28	year	year	NOUN
fbem-16462	12	29	,	,	PUNCT
fbem-16462	12	30	with	with	ADP
fbem-16462	12	31	urban	urban	ADJ
fbem-16462	12	32	private	private	ADJ
fbem-16462	12	33	enterprises	enterprise	NOUN
fbem-16462	12	34	and	and	CCONJ
fbem-16462	12	35	other	other	ADJ
fbem-16462	12	36	urban	urban	ADJ
fbem-16462	12	37	enterprises	enterprise	NOUN
fbem-16462	12	38	accounting	account	VERB
fbem-16462	12	39	for	for	ADP
fbem-16462	12	40	61.22	61.22	NUM
fbem-16462	12	41	%	%	NOUN
fbem-16462	12	42	of	of	ADP
fbem-16462	12	43	the	the	DET
fbem-16462	12	44	total	total	ADJ
fbem-16462	12	45	number	number	NOUN
fbem-16462	12	46	of	of	ADP
fbem-16462	12	47	depositing	deposit	VERB
fbem-16462	12	48	units	unit	NOUN
fbem-16462	12	49	,	,	PUNCT
fbem-16462	12	50	and	and	CCONJ
fbem-16462	12	51	that	that	SCONJ
fbem-16462	12	52	the	the	DET
fbem-16462	12	53	group	group	NOUN
fbem-16462	12	54	of	of	ADP
fbem-16462	12	55	depositing	deposit	VERB
fbem-16462	12	56	units	unit	NOUN
fbem-16462	12	57	is	be	AUX
fbem-16462	12	58	further	far	ADV
fbem-16462	12	59	expanding	expand	VERB
fbem-16462	12	60	.	.	PUNCT
fbem-16462	13	1	the	the	DET
fbem-16462	13	2	number	number	NOUN
fbem-16462	13	3	of	of	ADP
fbem-16462	13	4	withdrawals	withdrawal	NOUN
fbem-16462	13	5	from	from	ADP
fbem-16462	13	6	the	the	DET
fbem-16462	13	7	housing	housing	PROPN
fbem-16462	13	8	provident	provident	PROPN
fbem-16462	13	9	fund	fund	NOUN
fbem-16462	13	10	accounted	account	VERB
fbem-16462	13	11	for	for	ADP
fbem-16462	13	12	39.95	39.95	NUM
fbem-16462	13	13	%	%	NOUN
fbem-16462	13	14	of	of	ADP
fbem-16462	13	15	the	the	DET
fbem-16462	13	16	total	total	ADJ
fbem-16462	13	17	number	number	NOUN
fbem-16462	13	18	of	of	ADP
fbem-16462	13	19	paid	pay	VERB
fbem-16462	13	20	-	-	PUNCT
fbem-16462	13	21	up	up	ADP
fbem-16462	13	22	employees	employee	NOUN
fbem-16462	13	23	,	,	PUNCT
fbem-16462	13	24	with	with	ADP
fbem-16462	13	25	a	a	DET
fbem-16462	13	26	wide	wide	ADJ
fbem-16462	13	27	variety	variety	NOUN
fbem-16462	13	28	of	of	ADP
fbem-16462	13	29	uses	use	NOUN
fbem-16462	13	30	for	for	ADP
fbem-16462	13	31	withdrawals	withdrawal	NOUN
fbem-16462	13	32	,	,	PUNCT
fbem-16462	13	33	and	and	CCONJ
fbem-16462	13	34	the	the	DET
fbem-16462	13	35	socio	socio	NOUN
fbem-16462	13	36	-	-	PUNCT
fbem-16462	13	37	economic	economic	ADJ
fbem-16462	13	38	benefits	benefit	NOUN
fbem-16462	13	39	are	be	AUX
fbem-16462	13	40	not	not	PART
fbem-16462	13	41	to	to	PART
fbem-16462	13	42	be	be	AUX
fbem-16462	13	43	underestimated	underestimate	VERB
fbem-16462	13	44	.	.	PUNCT
fbem-16462	14	1	this	this	PRON
fbem-16462	14	2	shows	show	VERB
fbem-16462	14	3	that	that	SCONJ
fbem-16462	14	4	the	the	DET
fbem-16462	14	5	popularity	popularity	NOUN
fbem-16462	14	6	of	of	ADP
fbem-16462	14	7	housing	housing	PROPN
fbem-16462	14	8	provident	provident	ADJ
fbem-16462	14	9	fund	fund	NOUN
fbem-16462	14	10	is	be	AUX
fbem-16462	14	11	getting	get	VERB
fbem-16462	14	12	higher	high	ADJ
fbem-16462	14	13	and	and	CCONJ
fbem-16462	14	14	higher	high	ADJ
fbem-16462	14	15	,	,	PUNCT
fbem-16462	14	16	and	and	CCONJ
fbem-16462	14	17	its	its	PRON
fbem-16462	14	18	influence	influence	NOUN
fbem-16462	14	19	on	on	ADP
fbem-16462	14	20	residents	resident	NOUN
fbem-16462	14	21	’	’	PART
fbem-16462	14	22	life	life	NOUN
fbem-16462	14	23	is	be	AUX
fbem-16462	14	24	getting	get	VERB
fbem-16462	14	25	bigger	big	ADJ
fbem-16462	14	26	and	and	CCONJ
fbem-16462	14	27	bigger	big	ADJ
fbem-16462	14	28	,	,	PUNCT
fbem-16462	14	29	so	so	CCONJ
fbem-16462	14	30	it	it	PRON
fbem-16462	14	31	is	be	AUX
fbem-16462	14	32	very	very	ADV
fbem-16462	14	33	necessary	necessary	ADJ
fbem-16462	14	34	to	to	PART
fbem-16462	14	35	study	study	VERB
fbem-16462	14	36	the	the	DET
fbem-16462	14	37	influence	influence	NOUN
fbem-16462	14	38	of	of	ADP
fbem-16462	14	39	housing	housing	PROPN
fbem-16462	14	40	provident	provident	ADJ
fbem-16462	14	41	fund	fund	NOUN
fbem-16462	14	42	on	on	ADP
fbem-16462	14	43	the	the	DET
fbem-16462	14	44	investment	investment	NOUN
fbem-16462	14	45	of	of	ADP
fbem-16462	14	46	risky	risky	ADJ
fbem-16462	14	47	financial	financial	ADJ
fbem-16462	14	48	assets	asset	NOUN
fbem-16462	14	49	of	of	ADP
fbem-16462	14	50	urban	urban	ADJ
fbem-16462	14	51	households	household	NOUN
fbem-16462	14	52	in	in	ADP
fbem-16462	14	53	china	china	PROPN
fbem-16462	14	54	.	.	PUNCT
fbem-16462	15	1	against	against	ADP
fbem-16462	15	2	the	the	DET
fbem-16462	15	3	above	above	ADJ
fbem-16462	15	4	reality	reality	NOUN
fbem-16462	15	5	and	and	CCONJ
fbem-16462	15	6	theoretical	theoretical	ADJ
fbem-16462	15	7	background	background	NOUN
fbem-16462	15	8	,	,	PUNCT
fbem-16462	15	9	this	this	DET
fbem-16462	15	10	paper	paper	NOUN
fbem-16462	15	11	utilizes	utilize	VERB
fbem-16462	15	12	the	the	DET
fbem-16462	15	13	survey	survey	NOUN
fbem-16462	15	14	data	datum	NOUN
fbem-16462	15	15	from	from	ADP
fbem-16462	15	16	the	the	DET
fbem-16462	15	17	2019	2019	NUM
fbem-16462	15	18	china	china	PROPN
fbem-16462	15	19	household	household	NOUN
fbem-16462	15	20	finance	finance	NOUN
fbem-16462	15	21	survey	survey	NOUN
fbem-16462	15	22	of	of	ADP
fbem-16462	15	23	southwestern	southwestern	ADJ
fbem-16462	15	24	university	university	PROPN
fbem-16462	15	25	of	of	ADP
fbem-16462	15	26	finance	finance	NOUN
fbem-16462	15	27	and	and	CCONJ
fbem-16462	15	28	economics	economic	NOUN
fbem-16462	15	29	,	,	PUNCT
fbem-16462	15	30	and	and	CCONJ
fbem-16462	15	31	after	after	ADP
fbem-16462	15	32	data	data	NOUN
fbem-16462	15	33	merging	merging	NOUN
fbem-16462	15	34	and	and	CCONJ
fbem-16462	15	35	cleaning	cleaning	NOUN
fbem-16462	15	36	,	,	PUNCT
fbem-16462	15	37	the	the	DET
fbem-16462	15	38	research	research	NOUN
fbem-16462	15	39	is	be	AUX
fbem-16462	15	40	conducted	conduct	VERB
fbem-16462	15	41	mainly	mainly	ADV
fbem-16462	15	42	through	through	ADP
fbem-16462	15	43	the	the	DET
fbem-16462	15	44	tobit	tobit	NOUN
fbem-16462	15	45	model	model	NOUN
fbem-16462	15	46	.	.	PUNCT
fbem-16462	16	1	by	by	ADP
fbem-16462	16	2	analyzing	analyze	VERB
fbem-16462	16	3	the	the	DET
fbem-16462	16	4	impact	impact	NOUN
fbem-16462	16	5	of	of	ADP
fbem-16462	16	6	housing	housing	PROPN
fbem-16462	16	7	provident	provident	ADJ
fbem-16462	16	8	fund	fund	NOUN
fbem-16462	16	9	holdings	holding	NOUN
fbem-16462	16	10	on	on	ADP
fbem-16462	16	11	urban	urban	ADJ
fbem-16462	16	12	households	household	NOUN
fbem-16462	16	13	'	'	PART
fbem-16462	16	14	investment	investment	NOUN
fbem-16462	16	15	in	in	ADP
fbem-16462	16	16	financial	financial	ADJ
fbem-16462	16	17	products	product	NOUN
fbem-16462	16	18	and	and	CCONJ
fbem-16462	16	19	risky	risky	ADJ
fbem-16462	16	20	financial	financial	ADJ
fbem-16462	16	21	assets	asset	NOUN
fbem-16462	16	22	,	,	PUNCT
fbem-16462	16	23	as	as	ADV
fbem-16462	16	24	well	well	ADV
fbem-16462	16	25	as	as	ADP
fbem-16462	16	26	the	the	DET
fbem-16462	16	27	mechanisms	mechanism	NOUN
fbem-16462	16	28	involved	involve	VERB
fbem-16462	16	29	,	,	PUNCT
fbem-16462	16	30	practical	practical	ADJ
fbem-16462	16	31	and	and	CCONJ
fbem-16462	16	32	reasonable	reasonable	ADJ
fbem-16462	16	33	policy	policy	NOUN
fbem-16462	16	34	recommendations	recommendation	NOUN
fbem-16462	16	35	and	and	CCONJ
fbem-16462	16	36	conclusions	conclusion	NOUN
fbem-16462	16	37	are	be	AUX
fbem-16462	16	38	drawn	draw	VERB
fbem-16462	16	39	.	.	PUNCT
fbem-16462	17	1	the	the	DET
fbem-16462	17	2	marginal	marginal	ADJ
fbem-16462	17	3	contribution	contribution	NOUN
fbem-16462	17	4	of	of	ADP
fbem-16462	17	5	this	this	DET
fbem-16462	17	6	paper	paper	NOUN
fbem-16462	17	7	is	be	AUX
fbem-16462	17	8	mainly	mainly	ADV
fbem-16462	17	9	reflected	reflect	VERB
fbem-16462	17	10	in	in	ADP
fbem-16462	17	11	the	the	DET
fbem-16462	17	12	following	follow	VERB
fbem-16462	17	13	two	two	NUM
fbem-16462	17	14	aspects	aspect	NOUN
fbem-16462	17	15	:	:	PUNCT
fbem-16462	17	16	first	first	ADV
fbem-16462	17	17	,	,	PUNCT
fbem-16462	17	18	in	in	ADP
fbem-16462	17	19	the	the	DET
fbem-16462	17	20	research	research	NOUN
fbem-16462	17	21	perspective	perspective	NOUN
fbem-16462	17	22	,	,	PUNCT
fbem-16462	17	23	the	the	DET
fbem-16462	17	24	existing	exist	VERB
fbem-16462	17	25	literature	literature	NOUN
fbem-16462	17	26	mainly	mainly	ADV
fbem-16462	17	27	focuses	focus	VERB
fbem-16462	17	28	on	on	ADP
fbem-16462	17	29	the	the	DET
fbem-16462	17	30	impact	impact	NOUN
fbem-16462	17	31	of	of	ADP
fbem-16462	17	32	housing	housing	PROPN
fbem-16462	17	33	provident	provident	ADJ
fbem-16462	17	34	fund	fund	NOUN
fbem-16462	17	35	on	on	ADP
fbem-16462	17	36	family	family	NOUN
fbem-16462	17	37	stock	stock	NOUN
fbem-16462	17	38	investment	investment	NOUN
fbem-16462	17	39	,	,	PUNCT
fbem-16462	17	40	while	while	SCONJ
fbem-16462	17	41	this	this	DET
fbem-16462	17	42	paper	paper	NOUN
fbem-16462	17	43	,	,	PUNCT
fbem-16462	17	44	based	base	VERB
fbem-16462	17	45	on	on	ADP
fbem-16462	17	46	the	the	DET
fbem-16462	17	47	current	current	ADJ
fbem-16462	17	48	status	status	NOUN
fbem-16462	17	49	of	of	ADP
fbem-16462	17	50	urban	urban	ADJ
fbem-16462	17	51	family	family	NOUN
fbem-16462	17	52	investment	investment	NOUN
fbem-16462	17	53	,	,	PUNCT
fbem-16462	17	54	studies	study	VERB
fbem-16462	17	55	the	the	DET
fbem-16462	17	56	impact	impact	NOUN
fbem-16462	17	57	of	of	ADP
fbem-16462	17	58	housing	housing	PROPN
fbem-16462	17	59	provident	provident	ADJ
fbem-16462	17	60	fund	fund	NOUN
fbem-16462	17	61	held	hold	VERB
fbem-16462	17	62	by	by	ADP
fbem-16462	17	63	urban	urban	ADJ
fbem-16462	17	64	families	family	NOUN
fbem-16462	17	65	on	on	ADP
fbem-16462	17	66	the	the	DET
fbem-16462	17	67	investment	investment	NOUN
fbem-16462	17	68	of	of	ADP
fbem-16462	17	69	financial	financial	ADJ
fbem-16462	17	70	products	product	NOUN
fbem-16462	17	71	,	,	PUNCT
fbem-16462	17	72	which	which	PRON
fbem-16462	17	73	enriches	enrich	VERB
fbem-16462	17	74	the	the	DET
fbem-16462	17	75	study	study	NOUN
fbem-16462	17	76	of	of	ADP
fbem-16462	17	77	family	family	NOUN
fbem-16462	17	78	asset	asset	NOUN
fbem-16462	17	79	allocation	allocation	NOUN
fbem-16462	17	80	;	;	PUNCT
fbem-16462	17	81	second	second	X
fbem-16462	17	82	,	,	PUNCT
fbem-16462	17	83	in	in	ADP
fbem-16462	17	84	the	the	DET
fbem-16462	17	85	impact	impact	NOUN
fbem-16462	17	86	mechanism	mechanism	NOUN
fbem-16462	17	87	,	,	PUNCT
fbem-16462	17	88	this	this	DET
fbem-16462	17	89	paper	paper	NOUN
fbem-16462	17	90	from	from	ADP
fbem-16462	17	91	the	the	DET
fbem-16462	17	92	future	future	ADJ
fbem-16462	17	93	expectations	expectation	NOUN
fbem-16462	17	94	of	of	ADP
fbem-16462	17	95	residents	resident	NOUN
fbem-16462	17	96	,	,	PUNCT
fbem-16462	17	97	second	second	ADJ
fbem-16462	17	98	,	,	PUNCT
fbem-16462	17	99	in	in	ADP
fbem-16462	17	100	terms	term	NOUN
fbem-16462	17	101	of	of	ADP
fbem-16462	17	102	the	the	DET
fbem-16462	17	103	influence	influence	NOUN
fbem-16462	17	104	mechanism	mechanism	NOUN
fbem-16462	17	105	,	,	PUNCT
fbem-16462	17	106	this	this	DET
fbem-16462	17	107	paper	paper	NOUN
fbem-16462	17	108	analyzes	analyze	VERB
fbem-16462	17	109	in	in	ADP
fbem-16462	17	110	depth	depth	NOUN
fbem-16462	17	111	from	from	ADP
fbem-16462	17	112	two	two	NUM
fbem-16462	17	113	perspectives	perspective	NOUN
fbem-16462	17	114	:	:	PUNCT
fbem-16462	17	115	residents	resident	NOUN
fbem-16462	17	116	'	'	PART
fbem-16462	17	117	future	future	ADJ
fbem-16462	17	118	expectation	expectation	NOUN
fbem-16462	17	119	,	,	PUNCT
fbem-16462	17	120	residents	resident	NOUN
fbem-16462	17	121	'	'	PART
fbem-16462	17	122	happiness	happiness	NOUN
fbem-16462	17	123	,	,	PUNCT
fbem-16462	17	124	and	and	CCONJ
fbem-16462	17	125	tests	test	VERB
fbem-16462	17	126	the	the	DET
fbem-16462	17	127	micromechanism	micromechanism	NOUN
fbem-16462	17	128	and	and	CCONJ
fbem-16462	17	129	channel	channel	NOUN
fbem-16462	17	130	path	path	NOUN
fbem-16462	17	131	of	of	ADP
fbem-16462	17	132	the	the	DET
fbem-16462	17	133	influence	influence	NOUN
fbem-16462	17	134	of	of	ADP
fbem-16462	17	135	urban	urban	ADJ
fbem-16462	17	136	families	family	NOUN
fbem-16462	17	137	holding	hold	VERB
fbem-16462	17	138	housing	housing	PROPN
fbem-16462	17	139	provident	provident	ADJ
fbem-16462	17	140	fund	fund	NOUN
fbem-16462	17	141	on	on	ADP
fbem-16462	17	142	financial	financial	ADJ
fbem-16462	17	143	management	management	NOUN
fbem-16462	17	144	products	product	NOUN
fbem-16462	17	145	as	as	ADV
fbem-16462	17	146	well	well	ADV
fbem-16462	17	147	as	as	ADP
fbem-16462	17	148	the	the	DET
fbem-16462	17	149	allocation	allocation	NOUN
fbem-16462	17	150	of	of	ADP
fbem-16462	17	151	risky	risky	ADJ
fbem-16462	17	152	financial	financial	ADJ
fbem-16462	17	153	assets	asset	NOUN
fbem-16462	17	154	,	,	PUNCT
fbem-16462	17	155	as	as	ADV
fbem-16462	17	156	well	well	ADV
fbem-16462	17	157	as	as	ADP
fbem-16462	17	158	tests	test	VERB
fbem-16462	17	159	the	the	DET
fbem-16462	17	160	moderating	moderate	VERB
fbem-16462	17	161	effect	effect	NOUN
fbem-16462	17	162	of	of	ADP
fbem-16462	17	163	family	family	NOUN
fbem-16462	17	164	wealth	wealth	NOUN
fbem-16462	17	165	which	which	PRON
fbem-16462	17	166	helps	help	VERB
fbem-16462	17	167	to	to	PART
fbem-16462	17	168	deepen	deepen	VERB
fbem-16462	17	169	the	the	DET
fbem-16462	17	170	understanding	understanding	NOUN
fbem-16462	17	171	of	of	ADP
fbem-16462	17	172	the	the	DET
fbem-16462	17	173	intrinsic	intrinsic	ADJ
fbem-16462	17	174	relationship	relationship	NOUN
fbem-16462	17	175	between	between	ADP
fbem-16462	17	176	the	the	DET
fbem-16462	17	177	variables	variable	NOUN
fbem-16462	17	178	.	.	PUNCT
fbem-16462	18	1	the	the	DET
fbem-16462	18	2	remainder	remainder	NOUN
fbem-16462	18	3	of	of	ADP
fbem-16462	18	4	the	the	DET
fbem-16462	18	5	paper	paper	NOUN
fbem-16462	18	6	is	be	AUX
fbem-16462	18	7	structured	structure	VERB
fbem-16462	18	8	as	as	SCONJ
fbem-16462	18	9	follows	follow	VERB
fbem-16462	18	10	:	:	PUNCT
fbem-16462	18	11	the	the	DET
fbem-16462	18	12	second	second	ADJ
fbem-16462	18	13	part	part	NOUN
fbem-16462	18	14	is	be	AUX
fbem-16462	18	15	a	a	DET
fbem-16462	18	16	literature	literature	NOUN
fbem-16462	18	17	review	review	NOUN
fbem-16462	18	18	and	and	CCONJ
fbem-16462	18	19	theoretical	theoretical	ADJ
fbem-16462	18	20	analysis	analysis	NOUN
fbem-16462	18	21	,	,	PUNCT
fbem-16462	18	22	based	base	VERB
fbem-16462	18	23	on	on	ADP
fbem-16462	18	24	which	which	PRON
fbem-16462	18	25	the	the	DET
fbem-16462	18	26	research	research	NOUN
fbem-16462	18	27	hypotheses	hypothesis	NOUN
fbem-16462	18	28	and	and	CCONJ
fbem-16462	18	29	formulated	formulate	VERB
fbem-16462	18	30	;	;	PUNCT
fbem-16462	18	31	the	the	DET
fbem-16462	18	32	third	third	ADJ
fbem-16462	18	33	part	part	NOUN
fbem-16462	18	34	consists	consist	VERB
fbem-16462	18	35	of	of	ADP
fbem-16462	18	36	data	datum	NOUN
fbem-16462	18	37	selection	selection	NOUN
fbem-16462	18	38	,	,	PUNCT
fbem-16462	18	39	variable	variable	ADJ
fbem-16462	18	40	descriptions	description	NOUN
fbem-16462	18	41	,	,	PUNCT
fbem-16462	18	42	and	and	CCONJ
fbem-16462	18	43	econometric	econometric	ADJ
fbem-16462	18	44	modeling	modeling	NOUN
fbem-16462	18	45	;	;	PUNCT
fbem-16462	18	46	the	the	DET
fbem-16462	18	47	fourth	fourth	ADJ
fbem-16462	18	48	part	part	NOUN
fbem-16462	18	49	conducts	conduct	VERB
fbem-16462	18	50	an	an	DET
fbem-16462	18	51	empirical	empirical	ADJ
fbem-16462	18	52	study	study	NOUN
fbem-16462	18	53	and	and	CCONJ
fbem-16462	18	54	analysis	analysis	NOUN
fbem-16462	18	55	of	of	ADP
fbem-16462	18	56	the	the	DET
fbem-16462	18	57	results	result	NOUN
fbem-16462	18	58	,	,	PUNCT
fbem-16462	18	59	the	the	DET
fbem-16462	18	60	fifth	fifth	ADJ
fbem-16462	18	61	part	part	NOUN
fbem-16462	18	62	conducts	conduct	VERB
fbem-16462	18	63	a	a	DET
fbem-16462	18	64	mechanism	mechanism	NOUN
fbem-16462	18	65	test	test	NOUN
fbem-16462	18	66	,	,	PUNCT
fbem-16462	18	67	and	and	CCONJ
fbem-16462	18	68	the	the	DET
fbem-16462	18	69	last	last	ADJ
fbem-16462	18	70	part	part	NOUN
fbem-16462	18	71	concludes	conclude	VERB
fbem-16462	18	72	with	with	ADP
fbem-16462	18	73	conclusions	conclusion	NOUN
fbem-16462	18	74	and	and	CCONJ
fbem-16462	18	75	policy	policy	NOUN
fbem-16462	18	76	recommendations	recommendation	NOUN
fbem-16462	18	77	2	2	NUM
fbem-16462	18	78	.	.	X
fbem-16462	18	79	literature	literature	NOUN
fbem-16462	18	80	review	review	PROPN
fbem-16462	18	81	and	and	CCONJ
fbem-16462	18	82	research	research	NOUN
fbem-16462	18	83	hypothesis	hypothesis	NOUN
fbem-16462	18	84	in	in	ADP
fbem-16462	18	85	this	this	DET
fbem-16462	18	86	part	part	NOUN
fbem-16462	18	87	,	,	PUNCT
fbem-16462	18	88	this	this	DET
fbem-16462	18	89	paper	paper	NOUN
fbem-16462	18	90	starts	start	VERB
fbem-16462	18	91	with	with	ADP
fbem-16462	18	92	a	a	DET
fbem-16462	18	93	literature	literature	NOUN
fbem-16462	18	94	combing	combing	NOUN
fbem-16462	18	95	,	,	PUNCT
fbem-16462	18	96	which	which	PRON
fbem-16462	18	97	reveals	reveal	VERB
fbem-16462	18	98	that	that	SCONJ
fbem-16462	18	99	there	there	PRON
fbem-16462	18	100	are	be	VERB
fbem-16462	18	101	several	several	ADJ
fbem-16462	18	102	main	main	ADJ
fbem-16462	18	103	branches	branch	NOUN
fbem-16462	18	104	of	of	ADP
fbem-16462	18	105	139	139	NUM
fbem-16462	18	106	literature	literature	NOUN
fbem-16462	18	107	that	that	PRON
fbem-16462	18	108	are	be	AUX
fbem-16462	18	109	closely	closely	ADV
fbem-16462	18	110	related	relate	VERB
fbem-16462	18	111	to	to	ADP
fbem-16462	18	112	this	this	DET
fbem-16462	18	113	study	study	NOUN
fbem-16462	18	114	.	.	PUNCT
fbem-16462	19	1	one	one	NUM
fbem-16462	19	2	branch	branch	NOUN
fbem-16462	19	3	analyzes	analyze	VERB
fbem-16462	19	4	the	the	DET
fbem-16462	19	5	current	current	ADJ
fbem-16462	19	6	situation	situation	NOUN
fbem-16462	19	7	of	of	ADP
fbem-16462	19	8	household	household	NOUN
fbem-16462	19	9	financial	financial	ADJ
fbem-16462	19	10	asset	asset	NOUN
fbem-16462	19	11	allocation	allocation	NOUN
fbem-16462	19	12	and	and	CCONJ
fbem-16462	19	13	the	the	DET
fbem-16462	19	14	other	other	ADJ
fbem-16462	19	15	analyzes	analyze	VERB
fbem-16462	19	16	the	the	DET
fbem-16462	19	17	current	current	ADJ
fbem-16462	19	18	situation	situation	NOUN
fbem-16462	19	19	of	of	ADP
fbem-16462	19	20	housing	housing	PROPN
fbem-16462	19	21	provident	provident	ADJ
fbem-16462	19	22	fund	fund	PROPN
fbem-16462	19	23	.	.	PUNCT
fbem-16462	20	1	the	the	DET
fbem-16462	20	2	paper	paper	NOUN
fbem-16462	20	3	then	then	ADV
fbem-16462	20	4	goes	go	VERB
fbem-16462	20	5	on	on	ADP
fbem-16462	20	6	to	to	PART
fbem-16462	20	7	propose	propose	VERB
fbem-16462	20	8	research	research	NOUN
fbem-16462	20	9	hypotheses	hypothesis	NOUN
fbem-16462	20	10	on	on	ADP
fbem-16462	20	11	the	the	DET
fbem-16462	20	12	reasons	reason	NOUN
fbem-16462	20	13	that	that	PRON
fbem-16462	20	14	may	may	AUX
fbem-16462	20	15	affect	affect	VERB
fbem-16462	20	16	the	the	DET
fbem-16462	20	17	investment	investment	NOUN
fbem-16462	20	18	of	of	ADP
fbem-16462	20	19	housing	housing	PROPN
fbem-16462	20	20	provident	provident	ADJ
fbem-16462	20	21	fund	fund	NOUN
fbem-16462	20	22	in	in	ADP
fbem-16462	20	23	household	household	NOUN
fbem-16462	20	24	risky	risky	ADJ
fbem-16462	20	25	financial	financial	ADJ
fbem-16462	20	26	assets	asset	NOUN
fbem-16462	20	27	.	.	PUNCT
fbem-16462	21	1	2.1	2.1	NUM
fbem-16462	21	2	.	.	PUNCT
fbem-16462	21	3	current	current	ADJ
fbem-16462	21	4	status	status	NOUN
fbem-16462	21	5	of	of	ADP
fbem-16462	21	6	research	research	NOUN
fbem-16462	21	7	on	on	ADP
fbem-16462	21	8	household	household	NOUN
fbem-16462	21	9	financial	financial	ADJ
fbem-16462	21	10	asset	asset	NOUN
fbem-16462	21	11	allocation	allocation	NOUN
fbem-16462	21	12	asset	asset	NOUN
fbem-16462	21	13	allocation	allocation	NOUN
fbem-16462	21	14	is	be	AUX
fbem-16462	21	15	an	an	DET
fbem-16462	21	16	investor	investor	NOUN
fbem-16462	21	17	's	's	PART
fbem-16462	21	18	choice	choice	NOUN
fbem-16462	21	19	to	to	PART
fbem-16462	21	20	hold	hold	VERB
fbem-16462	21	21	assets	asset	NOUN
fbem-16462	21	22	and	and	CCONJ
fbem-16462	21	23	portfolios	portfolio	NOUN
fbem-16462	21	24	of	of	ADP
fbem-16462	21	25	different	different	ADJ
fbem-16462	21	26	wealth	wealth	NOUN
fbem-16462	21	27	forms	form	NOUN
fbem-16462	21	28	based	base	VERB
fbem-16462	21	29	on	on	ADP
fbem-16462	21	30	subjective	subjective	ADJ
fbem-16462	21	31	risk	risk	NOUN
fbem-16462	21	32	preferences	preference	NOUN
fbem-16462	21	33	as	as	ADV
fbem-16462	21	34	well	well	ADV
fbem-16462	21	35	as	as	ADP
fbem-16462	21	36	objective	objective	ADJ
fbem-16462	21	37	trade	trade	NOUN
fbem-16462	21	38	-	-	PUNCT
fbem-16462	21	39	offs	off	NOUN
fbem-16462	21	40	for	for	ADP
fbem-16462	21	41	returns	return	NOUN
fbem-16462	21	42	(	(	PUNCT
fbem-16462	21	43	zhang	zhang	PROPN
fbem-16462	21	44	xiaoni,2020	xiaoni,2020	PROPN
fbem-16462	21	45	)	)	PUNCT
fbem-16462	21	46	.	.	PUNCT
fbem-16462	22	1	with	with	ADP
fbem-16462	22	2	the	the	DET
fbem-16462	22	3	continuous	continuous	ADJ
fbem-16462	22	4	development	development	NOUN
fbem-16462	22	5	of	of	ADP
fbem-16462	22	6	family	family	NOUN
fbem-16462	22	7	finance	finance	NOUN
fbem-16462	22	8	,	,	PUNCT
fbem-16462	22	9	the	the	DET
fbem-16462	22	10	importance	importance	NOUN
fbem-16462	22	11	of	of	ADP
fbem-16462	22	12	family	family	NOUN
fbem-16462	22	13	financial	financial	ADJ
fbem-16462	22	14	asset	asset	NOUN
fbem-16462	22	15	allocation	allocation	NOUN
fbem-16462	22	16	has	have	AUX
fbem-16462	22	17	become	become	VERB
fbem-16462	22	18	increasingly	increasingly	ADV
fbem-16462	22	19	prominent	prominent	ADJ
fbem-16462	22	20	(	(	PUNCT
fbem-16462	22	21	lin	lin	PROPN
fbem-16462	22	22	defa	defa	PROPN
fbem-16462	22	23	et	et	PROPN
fbem-16462	22	24	al	al	PROPN
fbem-16462	22	25	,	,	PUNCT
fbem-16462	22	26	2019	2019	NUM
fbem-16462	22	27	)	)	PUNCT
fbem-16462	22	28	,	,	PUNCT
fbem-16462	22	29	and	and	CCONJ
fbem-16462	22	30	compared	compare	VERB
fbem-16462	22	31	with	with	ADP
fbem-16462	22	32	developed	develop	VERB
fbem-16462	22	33	countries	country	NOUN
fbem-16462	22	34	,	,	PUNCT
fbem-16462	22	35	chinese	chinese	ADJ
fbem-16462	22	36	families	family	NOUN
fbem-16462	22	37	'	'	PART
fbem-16462	22	38	asset	asset	NOUN
fbem-16462	22	39	allocation	allocation	NOUN
fbem-16462	22	40	is	be	AUX
fbem-16462	22	41	more	more	ADV
fbem-16462	22	42	concentrated	concentrated	ADJ
fbem-16462	22	43	on	on	ADP
fbem-16462	22	44	housing	housing	NOUN
fbem-16462	22	45	assets	asset	NOUN
fbem-16462	22	46	,	,	PUNCT
fbem-16462	22	47	and	and	CCONJ
fbem-16462	22	48	the	the	DET
fbem-16462	22	49	diversification	diversification	NOUN
fbem-16462	22	50	of	of	ADP
fbem-16462	22	51	asset	asset	NOUN
fbem-16462	22	52	allocation	allocation	NOUN
fbem-16462	22	53	is	be	AUX
fbem-16462	22	54	more	more	ADV
fbem-16462	22	55	obvious	obvious	ADJ
fbem-16462	22	56	(	(	PUNCT
fbem-16462	22	57	chen	chen	PROPN
fbem-16462	22	58	lei,2015	lei,2015	PROPN
fbem-16462	22	59	)	)	PUNCT
fbem-16462	22	60	.	.	PUNCT
fbem-16462	23	1	wei	wei	PROPN
fbem-16462	23	2	zhao	zhao	PROPN
fbem-16462	23	3	and	and	CCONJ
fbem-16462	23	4	song	song	ADJ
fbem-16462	23	5	quanyun	quanyun	NOUN
fbem-16462	23	6	(	(	PUNCT
fbem-16462	23	7	2016	2016	NUM
fbem-16462	23	8	)	)	PUNCT
fbem-16462	23	9	believe	believe	VERB
fbem-16462	23	10	that	that	SCONJ
fbem-16462	23	11	when	when	SCONJ
fbem-16462	23	12	chinese	chinese	ADJ
fbem-16462	23	13	families	family	NOUN
fbem-16462	23	14	invest	invest	VERB
fbem-16462	23	15	,	,	PUNCT
fbem-16462	23	16	they	they	PRON
fbem-16462	23	17	make	make	VERB
fbem-16462	23	18	investment	investment	NOUN
fbem-16462	23	19	decisions	decision	NOUN
fbem-16462	23	20	based	base	VERB
fbem-16462	23	21	on	on	ADP
fbem-16462	23	22	their	their	PRON
fbem-16462	23	23	estimates	estimate	NOUN
fbem-16462	23	24	of	of	ADP
fbem-16462	23	25	the	the	DET
fbem-16462	23	26	cost	cost	NOUN
fbem-16462	23	27	-	-	PUNCT
fbem-16462	23	28	return	return	NOUN
fbem-16462	23	29	characteristics	characteristic	NOUN
fbem-16462	23	30	of	of	ADP
fbem-16462	23	31	assets	asset	NOUN
fbem-16462	23	32	,	,	PUNCT
fbem-16462	23	33	and	and	CCONJ
fbem-16462	23	34	their	their	PRON
fbem-16462	23	35	own	own	ADJ
fbem-16462	23	36	risk	risk	NOUN
fbem-16462	23	37	-	-	PUNCT
fbem-16462	23	38	bearing	bear	VERB
fbem-16462	23	39	ability	ability	NOUN
fbem-16462	23	40	.	.	PUNCT
fbem-16462	24	1	when	when	SCONJ
fbem-16462	24	2	people	people	NOUN
fbem-16462	24	3	's	's	PART
fbem-16462	24	4	income	income	NOUN
fbem-16462	24	5	level	level	NOUN
fbem-16462	24	6	rises	rise	VERB
fbem-16462	24	7	steadily	steadily	ADV
fbem-16462	24	8	,	,	PUNCT
fbem-16462	24	9	the	the	PRON
fbem-16462	24	10	greater	great	ADJ
fbem-16462	24	11	the	the	DET
fbem-16462	24	12	speculative	speculative	ADJ
fbem-16462	24	13	motivation	motivation	NOUN
fbem-16462	24	14	,	,	PUNCT
fbem-16462	24	15	the	the	PRON
fbem-16462	24	16	greater	great	ADJ
fbem-16462	24	17	the	the	DET
fbem-16462	24	18	need	need	NOUN
fbem-16462	24	19	for	for	SCONJ
fbem-16462	24	20	financial	financial	ADJ
fbem-16462	24	21	assets	asset	NOUN
fbem-16462	24	22	to	to	PART
fbem-16462	24	23	invest	invest	VERB
fbem-16462	24	24	(	(	PUNCT
fbem-16462	24	25	zhang	zhang	PROPN
fbem-16462	24	26	gan	gan	PROPN
fbem-16462	24	27	,	,	PUNCT
fbem-16462	24	28	gao	gao	PROPN
fbem-16462	24	29	jiechao	jiechao	PROPN
fbem-16462	24	30	et	et	PROPN
fbem-16462	24	31	al	al	PROPN
fbem-16462	24	32	.	.	PROPN
fbem-16462	24	33	,	,	PUNCT
fbem-16462	24	34	2017	2017	NUM
fbem-16462	24	35	)	)	PUNCT
fbem-16462	24	36	,	,	PUNCT
fbem-16462	24	37	and	and	CCONJ
fbem-16462	24	38	the	the	DET
fbem-16462	24	39	more	more	ADV
fbem-16462	24	40	affluent	affluent	ADJ
fbem-16462	24	41	the	the	DET
fbem-16462	24	42	family	family	NOUN
fbem-16462	24	43	,	,	PUNCT
fbem-16462	24	44	the	the	PRON
fbem-16462	24	45	higher	high	ADJ
fbem-16462	24	46	the	the	DET
fbem-16462	24	47	degree	degree	NOUN
fbem-16462	24	48	of	of	ADP
fbem-16462	24	49	concentration	concentration	NOUN
fbem-16462	24	50	of	of	ADP
fbem-16462	24	51	the	the	DET
fbem-16462	24	52	asset	asset	NOUN
fbem-16462	24	53	allocation	allocation	NOUN
fbem-16462	24	54	,	,	PUNCT
fbem-16462	24	55	and	and	CCONJ
fbem-16462	24	56	the	the	PRON
fbem-16462	24	57	fewer	few	ADJ
fbem-16462	24	58	the	the	DET
fbem-16462	24	59	investment	investment	NOUN
fbem-16462	24	60	mistakes	mistake	NOUN
fbem-16462	24	61	(	(	PUNCT
fbem-16462	24	62	campbell	campbell	PROPN
fbem-16462	24	63	.	.	PUNCT
fbem-16462	25	1	jy	jy	PROPN
fbem-16462	25	2	,	,	PUNCT
fbem-16462	25	3	2006	2006	NUM
fbem-16462	25	4	)	)	PUNCT
fbem-16462	25	5	.	.	PUNCT
fbem-16462	26	1	if	if	SCONJ
fbem-16462	26	2	the	the	DET
fbem-16462	26	3	level	level	NOUN
fbem-16462	26	4	of	of	ADP
fbem-16462	26	5	social	social	ADJ
fbem-16462	26	6	trust	trust	NOUN
fbem-16462	26	7	rises	rise	NOUN
fbem-16462	26	8	and	and	CCONJ
fbem-16462	26	9	the	the	DET
fbem-16462	26	10	social	social	ADJ
fbem-16462	26	11	insurance	insurance	NOUN
fbem-16462	26	12	system	system	NOUN
fbem-16462	26	13	improves	improve	VERB
fbem-16462	26	14	and	and	CCONJ
fbem-16462	26	15	develops	develop	VERB
fbem-16462	26	16	,	,	PUNCT
fbem-16462	26	17	it	it	PRON
fbem-16462	26	18	will	will	AUX
fbem-16462	26	19	significantly	significantly	ADV
fbem-16462	26	20	increase	increase	VERB
fbem-16462	26	21	the	the	DET
fbem-16462	26	22	proportion	proportion	NOUN
fbem-16462	26	23	of	of	ADP
fbem-16462	26	24	financial	financial	ADJ
fbem-16462	26	25	risk	risk	NOUN
fbem-16462	26	26	assets	asset	NOUN
fbem-16462	26	27	of	of	ADP
fbem-16462	26	28	urban	urban	ADJ
fbem-16462	26	29	households	household	NOUN
fbem-16462	26	30	(	(	PUNCT
fbem-16462	26	31	zang	zang	PROPN
fbem-16462	26	32	rihong,2017	rihong,2017	PROPN
fbem-16462	26	33	;	;	PUNCT
fbem-16462	26	34	goldman	goldman	PROPN
fbem-16462	26	35	d,2013	d,2013	PROPN
fbem-16462	26	36	)	)	PUNCT
fbem-16462	26	37	.	.	PUNCT
fbem-16462	27	1	increasing	increase	VERB
fbem-16462	27	2	age	age	NOUN
fbem-16462	27	3	increasing	increase	VERB
fbem-16462	27	4	population	population	NOUN
fbem-16462	27	5	dependency	dependency	NOUN
fbem-16462	27	6	burden	burden	NOUN
fbem-16462	27	7	,	,	PUNCT
fbem-16462	27	8	lack	lack	NOUN
fbem-16462	27	9	of	of	ADP
fbem-16462	27	10	financial	financial	ADJ
fbem-16462	27	11	literacy	literacy	NOUN
fbem-16462	27	12	,	,	PUNCT
fbem-16462	27	13	and	and	CCONJ
fbem-16462	27	14	married	married	ADJ
fbem-16462	27	15	women	woman	NOUN
fbem-16462	27	16	's	's	PART
fbem-16462	27	17	participation	participation	NOUN
fbem-16462	27	18	in	in	ADP
fbem-16462	27	19	the	the	DET
fbem-16462	27	20	labor	labor	NOUN
fbem-16462	27	21	force	force	NOUN
fbem-16462	27	22	will	will	AUX
fbem-16462	27	23	reduce	reduce	VERB
fbem-16462	27	24	household	household	NOUN
fbem-16462	27	25	financial	financial	ADJ
fbem-16462	27	26	market	market	NOUN
fbem-16462	27	27	participation	participation	NOUN
fbem-16462	27	28	(	(	PUNCT
fbem-16462	27	29	zicheng	zicheng	PROPN
fbem-16462	27	30	wang	wang	PROPN
fbem-16462	27	31	,	,	PUNCT
fbem-16462	27	32	2016	2016	NUM
fbem-16462	27	33	,	,	PUNCT
fbem-16462	27	34	weixing	weixe	VERB
fbem-16462	27	35	wu	wu	PROPN
fbem-16462	27	36	et	et	PROPN
fbem-16462	27	37	al	al	PROPN
fbem-16462	27	38	,	,	PUNCT
fbem-16462	27	39	2013	2013	NUM
fbem-16462	27	40	;	;	PUNCT
fbem-16462	27	41	xiaohua	xiaohua	PROPN
fbem-16462	27	42	xu	xu	PROPN
fbem-16462	27	43	et	et	PROPN
fbem-16462	27	44	al	al	PROPN
fbem-16462	27	45	,	,	PUNCT
fbem-16462	27	46	2020	2020	NUM
fbem-16462	27	47	)	)	PUNCT
fbem-16462	27	48	.	.	PUNCT
fbem-16462	28	1	as	as	ADP
fbem-16462	28	2	the	the	DET
fbem-16462	28	3	level	level	NOUN
fbem-16462	28	4	of	of	ADP
fbem-16462	28	5	financial	financial	ADJ
fbem-16462	28	6	literacy	literacy	NOUN
fbem-16462	28	7	of	of	ADP
fbem-16462	28	8	household	household	NOUN
fbem-16462	28	9	heads	head	NOUN
fbem-16462	28	10	increases	increase	NOUN
fbem-16462	28	11	,	,	PUNCT
fbem-16462	28	12	the	the	DET
fbem-16462	28	13	inhibitory	inhibitory	ADJ
fbem-16462	28	14	effect	effect	NOUN
fbem-16462	28	15	of	of	ADP
fbem-16462	28	16	household	household	NOUN
fbem-16462	28	17	borrowing	borrowing	NOUN
fbem-16462	28	18	constraints	constraint	NOUN
fbem-16462	28	19	on	on	ADP
fbem-16462	28	20	the	the	DET
fbem-16462	28	21	willingness	willingness	NOUN
fbem-16462	28	22	and	and	CCONJ
fbem-16462	28	23	scale	scale	NOUN
fbem-16462	28	24	of	of	ADP
fbem-16462	28	25	household	household	NOUN
fbem-16462	28	26	stock	stock	NOUN
fbem-16462	28	27	market	market	NOUN
fbem-16462	28	28	participation	participation	NOUN
fbem-16462	28	29	is	be	AUX
fbem-16462	28	30	effectively	effectively	ADV
fbem-16462	28	31	mitigated	mitigate	VERB
fbem-16462	28	32	(	(	PUNCT
fbem-16462	28	33	zaihua	zaihua	PROPN
fbem-16462	28	34	wu	wu	PROPN
fbem-16462	28	35	et	et	PROPN
fbem-16462	28	36	al	al	PROPN
fbem-16462	28	37	,	,	PUNCT
fbem-16462	28	38	2017	2017	NUM
fbem-16462	28	39	)	)	PUNCT
fbem-16462	28	40	.	.	PUNCT
fbem-16462	29	1	reasonable	reasonable	ADJ
fbem-16462	29	2	allocation	allocation	NOUN
fbem-16462	29	3	of	of	ADP
fbem-16462	29	4	the	the	DET
fbem-16462	29	5	family	family	NOUN
fbem-16462	29	6	’s	’s	PART
fbem-16462	29	7	asset	asset	NOUN
fbem-16462	29	8	portfolio	portfolio	NOUN
fbem-16462	29	9	is	be	AUX
fbem-16462	29	10	of	of	ADP
fbem-16462	29	11	great	great	ADJ
fbem-16462	29	12	significance	significance	NOUN
fbem-16462	29	13	to	to	PART
fbem-16462	29	14	increase	increase	VERB
fbem-16462	29	15	the	the	DET
fbem-16462	29	16	property	property	NOUN
fbem-16462	29	17	income	income	NOUN
fbem-16462	29	18	of	of	ADP
fbem-16462	29	19	residents	resident	NOUN
fbem-16462	29	20	’	’	PART
fbem-16462	29	21	families	family	NOUN
fbem-16462	29	22	and	and	CCONJ
fbem-16462	29	23	protect	protect	VERB
fbem-16462	29	24	the	the	DET
fbem-16462	29	25	security	security	NOUN
fbem-16462	29	26	of	of	ADP
fbem-16462	29	27	old	old	ADJ
fbem-16462	29	28	age	age	NOUN
fbem-16462	29	29	(	(	PUNCT
fbem-16462	29	30	li	li	PROPN
fbem-16462	29	31	zhou	zhou	PROPN
fbem-16462	29	32	,	,	PUNCT
fbem-16462	29	33	2021	2021	NUM
fbem-16462	29	34	)	)	PUNCT
fbem-16462	29	35	.	.	PUNCT
fbem-16462	30	1	2.2	2.2	NUM
fbem-16462	30	2	.	.	PUNCT
fbem-16462	31	1	current	current	ADJ
fbem-16462	31	2	status	status	NOUN
fbem-16462	31	3	of	of	ADP
fbem-16462	31	4	the	the	DET
fbem-16462	31	5	housing	housing	PROPN
fbem-16462	31	6	provident	provident	PROPN
fbem-16462	31	7	fund	fund	PROPN
fbem-16462	31	8	study	study	PROPN
fbem-16462	31	9	housing	housing	NOUN
fbem-16462	31	10	finance	finance	NOUN
fbem-16462	31	11	is	be	AUX
fbem-16462	31	12	a	a	DET
fbem-16462	31	13	general	general	ADJ
fbem-16462	31	14	term	term	NOUN
fbem-16462	31	15	for	for	ADP
fbem-16462	31	16	all	all	DET
fbem-16462	31	17	business	business	NOUN
fbem-16462	31	18	activities	activity	NOUN
fbem-16462	31	19	that	that	PRON
fbem-16462	31	20	take	take	VERB
fbem-16462	31	21	housing	housing	NOUN
fbem-16462	31	22	as	as	ADP
fbem-16462	31	23	a	a	DET
fbem-16462	31	24	credit	credit	NOUN
fbem-16462	31	25	base	base	NOUN
fbem-16462	31	26	and	and	CCONJ
fbem-16462	31	27	utilize	utilize	VERB
fbem-16462	31	28	various	various	ADJ
fbem-16462	31	29	financial	financial	ADJ
fbem-16462	31	30	instruments	instrument	NOUN
fbem-16462	31	31	,	,	PUNCT
fbem-16462	31	32	financial	financial	ADJ
fbem-16462	31	33	markets	market	NOUN
fbem-16462	31	34	and	and	CCONJ
fbem-16462	31	35	financial	financial	ADJ
fbem-16462	31	36	intermediaries	intermediary	NOUN
fbem-16462	31	37	to	to	PART
fbem-16462	31	38	finance	finance	VERB
fbem-16462	31	39	the	the	DET
fbem-16462	31	40	development	development	NOUN
fbem-16462	31	41	and	and	CCONJ
fbem-16462	31	42	construction	construction	NOUN
fbem-16462	31	43	of	of	ADP
fbem-16462	31	44	housing	housing	NOUN
fbem-16462	31	45	,	,	PUNCT
fbem-16462	31	46	distribution	distribution	NOUN
fbem-16462	31	47	and	and	CCONJ
fbem-16462	31	48	consumption	consumption	NOUN
fbem-16462	31	49	,	,	PUNCT
fbem-16462	31	50	circulation	circulation	NOUN
fbem-16462	31	51	and	and	CCONJ
fbem-16462	31	52	trading	trading	NOUN
fbem-16462	31	53	.	.	PUNCT
fbem-16462	32	1	the	the	DET
fbem-16462	32	2	establishment	establishment	NOUN
fbem-16462	32	3	of	of	ADP
fbem-16462	32	4	the	the	DET
fbem-16462	32	5	housing	housing	NOUN
fbem-16462	32	6	fund	fund	NOUN
fbem-16462	32	7	system	system	NOUN
fbem-16462	32	8	has	have	VERB
fbem-16462	32	9	an	an	DET
fbem-16462	32	10	important	important	ADJ
fbem-16462	32	11	role	role	NOUN
fbem-16462	32	12	in	in	ADP
fbem-16462	32	13	supplying	supply	VERB
fbem-16462	32	14	funds	fund	NOUN
fbem-16462	32	15	for	for	ADP
fbem-16462	32	16	the	the	DET
fbem-16462	32	17	expansion	expansion	NOUN
fbem-16462	32	18	of	of	ADP
fbem-16462	32	19	the	the	DET
fbem-16462	32	20	scale	scale	NOUN
fbem-16462	32	21	of	of	ADP
fbem-16462	32	22	housing	housing	NOUN
fbem-16462	32	23	development	development	NOUN
fbem-16462	32	24	and	and	CCONJ
fbem-16462	32	25	construction	construction	NOUN
fbem-16462	32	26	,	,	PUNCT
fbem-16462	32	27	the	the	DET
fbem-16462	32	28	transformation	transformation	NOUN
fbem-16462	32	29	of	of	ADP
fbem-16462	32	30	housing	housing	NOUN
fbem-16462	32	31	distribution	distribution	NOUN
fbem-16462	32	32	and	and	CCONJ
fbem-16462	32	33	consumption	consumption	NOUN
fbem-16462	32	34	patterns	pattern	NOUN
fbem-16462	32	35	,	,	PUNCT
fbem-16462	32	36	and	and	CCONJ
fbem-16462	32	37	the	the	DET
fbem-16462	32	38	improvement	improvement	NOUN
fbem-16462	32	39	of	of	ADP
fbem-16462	32	40	the	the	DET
fbem-16462	32	41	circulation	circulation	NOUN
fbem-16462	32	42	and	and	CCONJ
fbem-16462	32	43	trading	trading	NOUN
fbem-16462	32	44	system	system	NOUN
fbem-16462	32	45	in	in	ADP
fbem-16462	32	46	china	china	PROPN
fbem-16462	32	47	(	(	PUNCT
fbem-16462	32	48	wei	wei	PROPN
fbem-16462	32	49	cui	cui	PROPN
fbem-16462	32	50	et	et	PROPN
fbem-16462	32	51	al	al	PROPN
fbem-16462	32	52	,	,	PUNCT
fbem-16462	32	53	1999	1999	NUM
fbem-16462	32	54	)	)	PUNCT
fbem-16462	32	55	.	.	PUNCT
fbem-16462	33	1	currently	currently	ADV
fbem-16462	33	2	many	many	ADJ
fbem-16462	33	3	emerging	emerge	VERB
fbem-16462	33	4	economies	economy	NOUN
fbem-16462	33	5	have	have	AUX
fbem-16462	33	6	created	create	VERB
fbem-16462	33	7	housing	housing	NOUN
fbem-16462	33	8	provident	provident	ADJ
fbem-16462	33	9	funds	fund	NOUN
fbem-16462	33	10	,	,	PUNCT
fbem-16462	33	11	such	such	ADJ
fbem-16462	33	12	as	as	ADP
fbem-16462	33	13	mexico	mexico	PROPN
fbem-16462	33	14	,	,	PUNCT
fbem-16462	33	15	nigeria	nigeria	PROPN
fbem-16462	33	16	,	,	PUNCT
fbem-16462	33	17	brazil	brazil	PROPN
fbem-16462	33	18	,	,	PUNCT
fbem-16462	33	19	jamaica	jamaica	PROPN
fbem-16462	33	20	,	,	PUNCT
fbem-16462	33	21	and	and	CCONJ
fbem-16462	33	22	the	the	DET
fbem-16462	33	23	philippines	philippine	NOUN
fbem-16462	33	24	and	and	CCONJ
fbem-16462	33	25	china	china	PROPN
fbem-16462	33	26	(	(	PUNCT
fbem-16462	33	27	chiquier	chiquier	NOUN
fbem-16462	33	28	.	.	PUNCT
fbem-16462	34	1	l	l	NOUN
fbem-16462	34	2	,	,	PUNCT
fbem-16462	34	3	2009	2009	NUM
fbem-16462	34	4	)	)	PUNCT
fbem-16462	34	5	.	.	PUNCT
fbem-16462	35	1	china	china	PROPN
fbem-16462	35	2	's	's	PART
fbem-16462	35	3	housing	housing	PROPN
fbem-16462	35	4	provident	provident	ADJ
fbem-16462	35	5	fund	fund	NOUN
fbem-16462	35	6	system	system	NOUN
fbem-16462	35	7	is	be	AUX
fbem-16462	35	8	legally	legally	ADV
fbem-16462	35	9	mandatory	mandatory	ADJ
fbem-16462	35	10	,	,	PUNCT
fbem-16462	35	11	functionally	functionally	ADV
fbem-16462	35	12	mutual	mutual	ADJ
fbem-16462	35	13	,	,	PUNCT
fbem-16462	35	14	essentially	essentially	ADV
fbem-16462	35	15	welfare	welfare	NOUN
fbem-16462	35	16	,	,	PUNCT
fbem-16462	35	17	and	and	CCONJ
fbem-16462	35	18	exclusively	exclusively	ADV
fbem-16462	35	19	used	use	VERB
fbem-16462	35	20	,	,	PUNCT
fbem-16462	35	21	and	and	CCONJ
fbem-16462	35	22	is	be	AUX
fbem-16462	35	23	a	a	DET
fbem-16462	35	24	housing	housing	NOUN
fbem-16462	35	25	savings	saving	NOUN
fbem-16462	35	26	system	system	NOUN
fbem-16462	35	27	with	with	ADP
fbem-16462	35	28	the	the	DET
fbem-16462	35	29	goal	goal	NOUN
fbem-16462	35	30	of	of	ADP
fbem-16462	35	31	long	long	ADJ
fbem-16462	35	32	-	-	PUNCT
fbem-16462	35	33	term	term	NOUN
fbem-16462	35	34	housing	housing	NOUN
fbem-16462	35	35	security	security	NOUN
fbem-16462	35	36	(	(	PUNCT
fbem-16462	35	37	yidong	yidong	PROPN
fbem-16462	35	38	wu	wu	PROPN
fbem-16462	35	39	and	and	CCONJ
fbem-16462	35	40	xianzhu	xianzhu	PROPN
fbem-16462	35	41	wang	wang	PROPN
fbem-16462	35	42	,	,	PUNCT
fbem-16462	35	43	2016	2016	NUM
fbem-16462	35	44	)	)	PUNCT
fbem-16462	35	45	.	.	PUNCT
fbem-16462	36	1	the	the	DET
fbem-16462	36	2	purpose	purpose	NOUN
fbem-16462	36	3	of	of	ADP
fbem-16462	36	4	the	the	DET
fbem-16462	36	5	cpf	cpf	NOUN
fbem-16462	36	6	system	system	NOUN
fbem-16462	36	7	is	be	AUX
fbem-16462	36	8	to	to	PART
fbem-16462	36	9	enhance	enhance	VERB
fbem-16462	36	10	the	the	DET
fbem-16462	36	11	housing	housing	NOUN
fbem-16462	36	12	affordability	affordability	NOUN
fbem-16462	36	13	of	of	ADP
fbem-16462	36	14	employees	employee	NOUN
fbem-16462	36	15	(	(	PUNCT
fbem-16462	36	16	yuejin	yuejin	NOUN
fbem-16462	36	17	xu	xu	PROPN
fbem-16462	36	18	et	et	PROPN
fbem-16462	36	19	al	al	PROPN
fbem-16462	36	20	,	,	PUNCT
fbem-16462	36	21	2017	2017	NUM
fbem-16462	36	22	)	)	PUNCT
fbem-16462	36	23	,	,	PUNCT
fbem-16462	36	24	and	and	CCONJ
fbem-16462	36	25	there	there	PRON
fbem-16462	36	26	is	be	VERB
fbem-16462	36	27	a	a	DET
fbem-16462	36	28	certain	certain	ADJ
fbem-16462	36	29	degree	degree	NOUN
fbem-16462	36	30	of	of	ADP
fbem-16462	36	31	“	"	PUNCT
fbem-16462	36	32	subsidizing	subsidize	VERB
fbem-16462	36	33	the	the	DET
fbem-16462	36	34	middle	middle	NOUN
fbem-16462	36	35	at	at	ADP
fbem-16462	36	36	both	both	PRON
fbem-16462	36	37	ends	end	VERB
fbem-16462	36	38	”	"	PUNCT
fbem-16462	36	39	spindle	spindle	ADJ
fbem-16462	36	40	effect	effect	NOUN
fbem-16462	36	41	(	(	PUNCT
fbem-16462	36	42	li	li	PROPN
fbem-16462	36	43	ding	ding	PROPN
fbem-16462	36	44	et	et	PROPN
fbem-16462	36	45	al	al	PROPN
fbem-16462	36	46	,	,	PUNCT
fbem-16462	36	47	2020	2020	NUM
fbem-16462	36	48	)	)	PUNCT
fbem-16462	36	49	,	,	PUNCT
fbem-16462	36	50	and	and	CCONJ
fbem-16462	36	51	some	some	DET
fbem-16462	36	52	scholars	scholar	NOUN
fbem-16462	36	53	have	have	AUX
fbem-16462	36	54	argued	argue	VERB
fbem-16462	36	55	that	that	SCONJ
fbem-16462	36	56	middle	middle	ADJ
fbem-16462	36	57	-	-	PUNCT
fbem-16462	36	58	income	income	NOUN
fbem-16462	36	59	and	and	CCONJ
fbem-16462	36	60	higherincome	higherincome	NOUN
fbem-16462	36	61	residents	resident	NOUN
fbem-16462	36	62	will	will	AUX
fbem-16462	36	63	benefit	benefit	VERB
fbem-16462	36	64	more	more	ADJ
fbem-16462	36	65	from	from	ADP
fbem-16462	36	66	the	the	DET
fbem-16462	36	67	cpf	cpf	NOUN
fbem-16462	36	68	system	system	NOUN
fbem-16462	36	69	(	(	PUNCT
fbem-16462	36	70	yunhe	yunhe	VERB
fbem-16462	36	71	lu	lu	PROPN
fbem-16462	36	72	et	et	PROPN
fbem-16462	36	73	al	al	PROPN
fbem-16462	36	74	.	.	PROPN
fbem-16462	36	75	2020	2020	NUM
fbem-16462	36	76	)	)	PUNCT
fbem-16462	36	77	,	,	PUNCT
fbem-16462	36	78	and	and	CCONJ
fbem-16462	36	79	that	that	SCONJ
fbem-16462	36	80	the	the	DET
fbem-16462	36	81	system	system	NOUN
fbem-16462	36	82	will	will	AUX
fbem-16462	36	83	significantly	significantly	ADV
fbem-16462	36	84	contribute	contribute	VERB
fbem-16462	36	85	to	to	ADP
fbem-16462	36	86	house	house	NOUN
fbem-16462	36	87	price	price	NOUN
fbem-16462	36	88	increases	increase	NOUN
fbem-16462	36	89	(	(	PUNCT
fbem-16462	36	90	yidong	yidong	PROPN
fbem-16462	36	91	wu	wu	PROPN
fbem-16462	36	92	and	and	CCONJ
fbem-16462	36	93	xianzhu	xianzhu	PROPN
fbem-16462	36	94	wang	wang	PROPN
fbem-16462	36	95	,	,	PUNCT
fbem-16462	36	96	2016	2016	NUM
fbem-16462	36	97	)	)	PUNCT
fbem-16462	36	98	.	.	PUNCT
fbem-16462	37	1	this	this	DET
fbem-16462	37	2	system	system	NOUN
fbem-16462	37	3	will	will	AUX
fbem-16462	37	4	significantly	significantly	ADV
fbem-16462	37	5	contribute	contribute	VERB
fbem-16462	37	6	to	to	ADP
fbem-16462	37	7	the	the	DET
fbem-16462	37	8	rise	rise	NOUN
fbem-16462	37	9	in	in	ADP
fbem-16462	37	10	house	house	NOUN
fbem-16462	37	11	prices	price	NOUN
fbem-16462	37	12	(	(	PUNCT
fbem-16462	37	13	gu	gu	NOUN
fbem-16462	37	14	chenglong	chenglong	PROPN
fbem-16462	37	15	et	et	PROPN
fbem-16462	37	16	al	al	PROPN
fbem-16462	37	17	,	,	PUNCT
fbem-16462	37	18	2016	2016	NUM
fbem-16462	37	19	)	)	PUNCT
fbem-16462	37	20	,	,	PUNCT
fbem-16462	37	21	thus	thus	ADV
fbem-16462	37	22	widening	widen	VERB
fbem-16462	37	23	the	the	DET
fbem-16462	37	24	already	already	ADV
fbem-16462	37	25	existing	exist	VERB
fbem-16462	37	26	income	income	NOUN
fbem-16462	37	27	gap	gap	NOUN
fbem-16462	37	28	among	among	ADP
fbem-16462	37	29	urban	urban	ADJ
fbem-16462	37	30	residents	resident	NOUN
fbem-16462	37	31	.	.	PUNCT
fbem-16462	38	1	scholar	scholar	NOUN
fbem-16462	38	2	shuanghua	shuanghua	PROPN
fbem-16462	38	3	jin	jin	PROPN
fbem-16462	38	4	(	(	PUNCT
fbem-16462	38	5	2018	2018	NUM
fbem-16462	38	6	)	)	PUNCT
fbem-16462	38	7	argues	argue	VERB
fbem-16462	38	8	that	that	SCONJ
fbem-16462	38	9	the	the	DET
fbem-16462	38	10	mediation	mediation	NOUN
fbem-16462	38	11	of	of	ADP
fbem-16462	38	12	income	income	NOUN
fbem-16462	38	13	distribution	distribution	NOUN
fbem-16462	38	14	by	by	ADP
fbem-16462	38	15	individuals	individual	NOUN
fbem-16462	38	16	withdrawing	withdraw	VERB
fbem-16462	38	17	housing	housing	NOUN
fbem-16462	38	18	provident	provident	ADJ
fbem-16462	38	19	funds	fund	NOUN
fbem-16462	38	20	is	be	AUX
fbem-16462	38	21	negative	negative	ADJ
fbem-16462	38	22	and	and	CCONJ
fbem-16462	38	23	not	not	PART
fbem-16462	38	24	conducive	conducive	ADJ
fbem-16462	38	25	to	to	ADP
fbem-16462	38	26	social	social	ADJ
fbem-16462	38	27	equity	equity	NOUN
fbem-16462	38	28	.	.	PUNCT
fbem-16462	39	1	participation	participation	NOUN
fbem-16462	39	2	in	in	ADP
fbem-16462	39	3	housing	housing	NOUN
fbem-16462	39	4	provident	provident	ADJ
fbem-16462	39	5	funds	fund	NOUN
fbem-16462	39	6	boosts	boost	VERB
fbem-16462	39	7	the	the	DET
fbem-16462	39	8	level	level	NOUN
fbem-16462	39	9	of	of	ADP
fbem-16462	39	10	rental	rental	ADJ
fbem-16462	39	11	consumption	consumption	NOUN
fbem-16462	39	12	of	of	ADP
fbem-16462	39	13	contributors	contributor	NOUN
fbem-16462	39	14	,	,	PUNCT
fbem-16462	39	15	increases	increase	VERB
fbem-16462	39	16	the	the	DET
fbem-16462	39	17	probability	probability	NOUN
fbem-16462	39	18	of	of	ADP
fbem-16462	39	19	migrant	migrant	ADJ
fbem-16462	39	20	workers	worker	NOUN
fbem-16462	39	21	purchasing	purchase	VERB
fbem-16462	39	22	a	a	DET
fbem-16462	39	23	home	home	NOUN
fbem-16462	39	24	in	in	ADP
fbem-16462	39	25	the	the	DET
fbem-16462	39	26	inflow	inflow	NOUN
fbem-16462	39	27	area	area	NOUN
fbem-16462	39	28	(	(	PUNCT
fbem-16462	39	29	jie	jie	PROPN
fbem-16462	39	30	chen	chen	PROPN
fbem-16462	39	31	et	et	PROPN
fbem-16462	39	32	al	al	PROPN
fbem-16462	39	33	,	,	PUNCT
fbem-16462	39	34	2021	2021	NUM
fbem-16462	39	35	;	;	PUNCT
fbem-16462	39	36	jiaqi	jiaqi	PROPN
fbem-16462	39	37	jiang	jiang	PROPN
fbem-16462	39	38	et	et	PROPN
fbem-16462	39	39	al	al	PROPN
fbem-16462	39	40	,	,	PUNCT
fbem-16462	39	41	2021	2021	NUM
fbem-16462	39	42	)	)	PUNCT
fbem-16462	39	43	,	,	PUNCT
fbem-16462	39	44	improves	improve	VERB
fbem-16462	39	45	the	the	DET
fbem-16462	39	46	willingness	willingness	NOUN
fbem-16462	39	47	to	to	PART
fbem-16462	39	48	purchase	purchase	VERB
fbem-16462	39	49	a	a	DET
fbem-16462	39	50	home	home	NOUN
fbem-16462	39	51	,	,	PUNCT
fbem-16462	39	52	and	and	CCONJ
fbem-16462	39	53	significantly	significantly	ADV
fbem-16462	39	54	increases	increase	VERB
fbem-16462	39	55	the	the	DET
fbem-16462	39	56	residents	resident	NOUN
fbem-16462	39	57	'	'	PART
fbem-16462	39	58	sense	sense	NOUN
fbem-16462	39	59	of	of	ADP
fbem-16462	39	60	well	well	ADV
fbem-16462	39	61	-	-	PUNCT
fbem-16462	39	62	being	be	AUX
fbem-16462	39	63	(	(	PUNCT
fbem-16462	39	64	juanjuan	juanjuan	ADJ
fbem-16462	39	65	ren	ren	PROPN
fbem-16462	39	66	,	,	PUNCT
fbem-16462	39	67	2022	2022	NUM
fbem-16462	39	68	)	)	PUNCT
fbem-16462	39	69	.	.	PUNCT
fbem-16462	40	1	the	the	DET
fbem-16462	40	2	housing	housing	PROPN
fbem-16462	40	3	provident	provident	PROPN
fbem-16462	40	4	fund	fund	NOUN
fbem-16462	40	5	not	not	PART
fbem-16462	40	6	only	only	ADV
fbem-16462	40	7	improves	improve	VERB
fbem-16462	40	8	the	the	DET
fbem-16462	40	9	rate	rate	NOUN
fbem-16462	40	10	of	of	ADP
fbem-16462	40	11	home	home	NOUN
fbem-16462	40	12	ownership	ownership	NOUN
fbem-16462	40	13	in	in	ADP
fbem-16462	40	14	china	china	PROPN
fbem-16462	40	15	and	and	CCONJ
fbem-16462	40	16	promotes	promote	VERB
fbem-16462	40	17	the	the	DET
fbem-16462	40	18	development	development	NOUN
fbem-16462	40	19	of	of	ADP
fbem-16462	40	20	the	the	DET
fbem-16462	40	21	housing	housing	NOUN
fbem-16462	40	22	market	market	NOUN
fbem-16462	40	23	,	,	PUNCT
fbem-16462	40	24	but	but	CCONJ
fbem-16462	40	25	also	also	ADV
fbem-16462	40	26	has	have	VERB
fbem-16462	40	27	a	a	DET
fbem-16462	40	28	certain	certain	ADJ
fbem-16462	40	29	role	role	NOUN
fbem-16462	40	30	in	in	ADP
fbem-16462	40	31	promoting	promote	VERB
fbem-16462	40	32	the	the	DET
fbem-16462	40	33	development	development	NOUN
fbem-16462	40	34	of	of	ADP
fbem-16462	40	35	china	china	PROPN
fbem-16462	40	36	's	's	PART
fbem-16462	40	37	risky	risky	ADJ
fbem-16462	40	38	financial	financial	ADJ
fbem-16462	40	39	market	market	NOUN
fbem-16462	40	40	(	(	PUNCT
fbem-16462	40	41	huadong	huadong	ADJ
fbem-16462	40	42	zhou	zhou	PROPN
fbem-16462	40	43	,	,	PUNCT
fbem-16462	40	44	2022	2022	NUM
fbem-16462	40	45	)	)	PUNCT
fbem-16462	40	46	,	,	PUNCT
fbem-16462	40	47	and	and	CCONJ
fbem-16462	40	48	significantly	significantly	ADV
fbem-16462	40	49	increases	increase	VERB
fbem-16462	40	50	the	the	DET
fbem-16462	40	51	possibility	possibility	NOUN
fbem-16462	40	52	of	of	ADP
fbem-16462	40	53	investing	invest	VERB
fbem-16462	40	54	in	in	ADP
fbem-16462	40	55	risky	risky	ADJ
fbem-16462	40	56	financial	financial	ADJ
fbem-16462	40	57	assets	asset	NOUN
fbem-16462	40	58	for	for	ADP
fbem-16462	40	59	families	family	NOUN
fbem-16462	40	60	with	with	ADP
fbem-16462	40	61	homes	home	NOUN
fbem-16462	40	62	and	and	CCONJ
fbem-16462	40	63	the	the	DET
fbem-16462	40	64	proportion	proportion	NOUN
fbem-16462	40	65	of	of	ADP
fbem-16462	40	66	investment	investment	NOUN
fbem-16462	40	67	(	(	PUNCT
fbem-16462	40	68	xuanjuan	xuanjuan	PROPN
fbem-16462	40	69	chen	chen	PROPN
fbem-16462	40	70	et	et	PROPN
fbem-16462	40	71	al	al	PROPN
fbem-16462	40	72	,	,	PUNCT
fbem-16462	40	73	2021	2021	NUM
fbem-16462	40	74	)	)	PUNCT
fbem-16462	40	75	.	.	PUNCT
fbem-16462	41	1	2.3	2.3	NUM
fbem-16462	41	2	.	.	PUNCT
fbem-16462	42	1	theoretical	theoretical	ADJ
fbem-16462	42	2	hypothesis	hypothesis	NOUN
fbem-16462	42	3	formulation	formulation	NOUN
fbem-16462	42	4	.	.	PUNCT
fbem-16462	43	1	by	by	ADP
fbem-16462	43	2	providing	provide	VERB
fbem-16462	43	3	an	an	DET
fbem-16462	43	4	overview	overview	NOUN
fbem-16462	43	5	of	of	ADP
fbem-16462	43	6	previous	previous	ADJ
fbem-16462	43	7	research	research	NOUN
fbem-16462	43	8	results	result	NOUN
fbem-16462	43	9	,	,	PUNCT
fbem-16462	43	10	this	this	DET
fbem-16462	43	11	paper	paper	NOUN
fbem-16462	43	12	proposes	propose	VERB
fbem-16462	43	13	hypotheses	hypothesis	NOUN
fbem-16462	43	14	h1	h1	ADJ
fbem-16462	43	15	and	and	CCONJ
fbem-16462	43	16	h2	h2	NOUN
fbem-16462	43	17	to	to	PART
fbem-16462	43	18	explore	explore	VERB
fbem-16462	43	19	the	the	DET
fbem-16462	43	20	impact	impact	NOUN
fbem-16462	43	21	of	of	ADP
fbem-16462	43	22	housing	housing	NOUN
fbem-16462	43	23	fund	fund	NOUN
fbem-16462	43	24	holdings	holding	NOUN
fbem-16462	43	25	on	on	ADP
fbem-16462	43	26	urban	urban	ADJ
fbem-16462	43	27	households	household	NOUN
fbem-16462	43	28	'	'	PART
fbem-16462	43	29	investment	investment	NOUN
fbem-16462	43	30	in	in	ADP
fbem-16462	43	31	risky	risky	ADJ
fbem-16462	43	32	financial	financial	ADJ
fbem-16462	43	33	assets	asset	NOUN
fbem-16462	43	34	.	.	PUNCT
fbem-16462	44	1	hypothesis	hypothesis	NOUN
fbem-16462	44	2	h1	h1	PROPN
fbem-16462	44	3	:	:	PUNCT
fbem-16462	44	4	urban	urban	ADJ
fbem-16462	44	5	households	household	NOUN
fbem-16462	44	6	holding	hold	VERB
fbem-16462	44	7	housing	housing	NOUN
fbem-16462	44	8	provident	provident	ADJ
fbem-16462	44	9	funds	fund	NOUN
fbem-16462	44	10	will	will	AUX
fbem-16462	44	11	increase	increase	VERB
fbem-16462	44	12	their	their	PRON
fbem-16462	44	13	investment	investment	NOUN
fbem-16462	44	14	ratio	ratio	NOUN
fbem-16462	44	15	in	in	ADP
fbem-16462	44	16	financial	financial	ADJ
fbem-16462	44	17	products	product	NOUN
fbem-16462	44	18	as	as	ADV
fbem-16462	44	19	well	well	ADV
fbem-16462	44	20	as	as	ADP
fbem-16462	44	21	their	their	PRON
fbem-16462	44	22	investment	investment	NOUN
fbem-16462	44	23	ratio	ratio	NOUN
fbem-16462	44	24	in	in	ADP
fbem-16462	44	25	risky	risky	ADJ
fbem-16462	44	26	financial	financial	ADJ
fbem-16462	44	27	assets	asset	NOUN
fbem-16462	44	28	.	.	PUNCT
fbem-16462	45	1	hypothesis	hypothesis	NOUN
fbem-16462	45	2	h2	h2	PROPN
fbem-16462	45	3	:	:	PUNCT
fbem-16462	45	4	urban	urban	ADJ
fbem-16462	45	5	households	household	NOUN
fbem-16462	45	6	with	with	ADP
fbem-16462	45	7	housing	housing	NOUN
fbem-16462	45	8	provident	provident	ADJ
fbem-16462	45	9	funds	fund	NOUN
fbem-16462	45	10	have	have	VERB
fbem-16462	45	11	better	well	ADJ
fbem-16462	45	12	future	future	ADJ
fbem-16462	45	13	expectations	expectation	NOUN
fbem-16462	45	14	of	of	ADP
fbem-16462	45	15	their	their	PRON
fbem-16462	45	16	lives	life	NOUN
fbem-16462	45	17	,	,	PUNCT
fbem-16462	45	18	and	and	CCONJ
fbem-16462	45	19	thus	thus	ADV
fbem-16462	45	20	will	will	AUX
fbem-16462	45	21	increase	increase	VERB
fbem-16462	45	22	their	their	PRON
fbem-16462	45	23	investments	investment	NOUN
fbem-16462	45	24	in	in	ADP
fbem-16462	45	25	financial	financial	ADJ
fbem-16462	45	26	products	product	NOUN
fbem-16462	45	27	and	and	CCONJ
fbem-16462	45	28	risky	risky	ADJ
fbem-16462	45	29	financial	financial	ADJ
fbem-16462	45	30	assets	asset	NOUN
fbem-16462	45	31	.	.	PUNCT
fbem-16462	46	1	with	with	ADP
fbem-16462	46	2	the	the	DET
fbem-16462	46	3	development	development	NOUN
fbem-16462	46	4	of	of	ADP
fbem-16462	46	5	behavioral	behavioral	ADJ
fbem-16462	46	6	finance	finance	NOUN
fbem-16462	46	7	,	,	PUNCT
fbem-16462	46	8	more	more	ADJ
fbem-16462	46	9	and	and	CCONJ
fbem-16462	46	10	more	more	ADJ
fbem-16462	46	11	scholars	scholar	NOUN
fbem-16462	46	12	have	have	AUX
fbem-16462	46	13	studied	study	VERB
fbem-16462	46	14	happiness	happiness	NOUN
fbem-16462	46	15	as	as	ADP
fbem-16462	46	16	an	an	DET
fbem-16462	46	17	emotional	emotional	ADJ
fbem-16462	46	18	variable	variable	NOUN
fbem-16462	46	19	,	,	PUNCT
fbem-16462	46	20	which	which	PRON
fbem-16462	46	21	has	have	AUX
fbem-16462	46	22	given	give	VERB
fbem-16462	46	23	rise	rise	NOUN
fbem-16462	46	24	to	to	ADP
fbem-16462	46	25	the	the	DET
fbem-16462	46	26	new	new	ADJ
fbem-16462	46	27	research	research	NOUN
fbem-16462	46	28	field	field	NOUN
fbem-16462	46	29	of	of	ADP
fbem-16462	46	30	happiness	happiness	NOUN
fbem-16462	46	31	economics	economic	NOUN
fbem-16462	46	32	.	.	PUNCT
fbem-16462	47	1	the	the	DET
fbem-16462	47	2	happiness	happiness	NOUN
fbem-16462	47	3	and	and	CCONJ
fbem-16462	47	4	satisfaction	satisfaction	NOUN
fbem-16462	47	5	of	of	ADP
fbem-16462	47	6	ordinary	ordinary	ADJ
fbem-16462	47	7	people	people	NOUN
fbem-16462	47	8	is	be	AUX
fbem-16462	47	9	a	a	DET
fbem-16462	47	10	"	"	PUNCT
fbem-16462	47	11	barometer	barometer	NOUN
fbem-16462	47	12	"	"	PUNCT
fbem-16462	47	13	of	of	ADP
fbem-16462	47	14	the	the	DET
fbem-16462	47	15	performance	performance	NOUN
fbem-16462	47	16	of	of	ADP
fbem-16462	47	17	national	national	ADJ
fbem-16462	47	18	governance	governance	NOUN
fbem-16462	47	19	,	,	PUNCT
fbem-16462	47	20	which	which	PRON
fbem-16462	47	21	is	be	AUX
fbem-16462	47	22	closely	closely	ADV
fbem-16462	47	23	related	relate	VERB
fbem-16462	47	24	to	to	ADP
fbem-16462	47	25	the	the	DET
fbem-16462	47	26	public	public	NOUN
fbem-16462	47	27	's	's	PART
fbem-16462	47	28	recognition	recognition	NOUN
fbem-16462	47	29	of	of	ADP
fbem-16462	47	30	the	the	DET
fbem-16462	47	31	government	government	NOUN
fbem-16462	47	32	(	(	PUNCT
fbem-16462	47	33	junqiang	junqiang	PROPN
fbem-16462	47	34	liu	liu	PROPN
fbem-16462	47	35	et	et	PROPN
fbem-16462	47	36	al	al	PROPN
fbem-16462	47	37	.	.	PROPN
fbem-16462	47	38	,	,	PUNCT
fbem-16462	47	39	2012	2012	NUM
fbem-16462	47	40	)	)	PUNCT
fbem-16462	47	41	.	.	PUNCT
fbem-16462	48	1	zhongyi	zhongyi	PROPN
fbem-16462	48	2	xiao	xiao	PROPN
fbem-16462	48	3	(	(	PUNCT
fbem-16462	48	4	2018	2018	NUM
fbem-16462	48	5	)	)	PUNCT
fbem-16462	48	6	and	and	CCONJ
fbem-16462	48	7	other	other	ADJ
fbem-16462	48	8	scholars	scholar	NOUN
fbem-16462	48	9	believe	believe	VERB
fbem-16462	48	10	that	that	SCONJ
fbem-16462	48	11	it	it	PRON
fbem-16462	48	12	is	be	AUX
fbem-16462	48	13	of	of	ADP
fbem-16462	48	14	great	great	ADJ
fbem-16462	48	15	significance	significance	NOUN
fbem-16462	48	16	to	to	PART
fbem-16462	48	17	study	study	VERB
fbem-16462	48	18	the	the	DET
fbem-16462	48	19	decision	decision	NOUN
fbem-16462	48	20	-	-	PUNCT
fbem-16462	48	21	making	make	VERB
fbem-16462	48	22	mechanism	mechanism	NOUN
fbem-16462	48	23	of	of	ADP
fbem-16462	48	24	subjective	subjective	ADJ
fbem-16462	48	25	happiness	happiness	NOUN
fbem-16462	48	26	and	and	CCONJ
fbem-16462	48	27	family	family	NOUN
fbem-16462	48	28	financial	financial	ADJ
fbem-16462	48	29	behavior	behavior	NOUN
fbem-16462	48	30	.	.	PUNCT
fbem-16462	49	1	some	some	DET
fbem-16462	49	2	scholars	scholar	NOUN
fbem-16462	49	3	believe	believe	VERB
fbem-16462	49	4	that	that	SCONJ
fbem-16462	49	5	the	the	DET
fbem-16462	49	6	enhancement	enhancement	NOUN
fbem-16462	49	7	of	of	ADP
fbem-16462	49	8	happiness	happiness	NOUN
fbem-16462	49	9	will	will	AUX
fbem-16462	49	10	enhance	enhance	VERB
fbem-16462	49	11	the	the	DET
fbem-16462	49	12	depth	depth	NOUN
fbem-16462	49	13	of	of	ADP
fbem-16462	49	14	household	household	NOUN
fbem-16462	49	15	participation	participation	NOUN
fbem-16462	49	16	in	in	ADP
fbem-16462	49	17	stock	stock	NOUN
fbem-16462	49	18	selection	selection	NOUN
fbem-16462	49	19	(	(	PUNCT
fbem-16462	49	20	yaling	yale	VERB
fbem-16462	49	21	zhou	zhou	PROPN
fbem-16462	49	22	et	et	PROPN
fbem-16462	49	23	al	al	PROPN
fbem-16462	49	24	.	.	PROPN
fbem-16462	49	25	,	,	PUNCT
fbem-16462	49	26	2017),and	2017),and	NUM
fbem-16462	49	27	some	some	DET
fbem-16462	49	28	scholars	scholar	NOUN
fbem-16462	49	29	believe	believe	VERB
fbem-16462	49	30	that	that	SCONJ
fbem-16462	49	31	the	the	DET
fbem-16462	49	32	enhancement	enhancement	NOUN
fbem-16462	49	33	of	of	ADP
fbem-16462	49	34	happiness	happiness	NOUN
fbem-16462	49	35	has	have	VERB
fbem-16462	49	36	a	a	DET
fbem-16462	49	37	negative	negative	ADJ
fbem-16462	49	38	impact	impact	NOUN
fbem-16462	49	39	on	on	ADP
fbem-16462	49	40	risky	risky	ADJ
fbem-16462	49	41	asset	asset	NOUN
fbem-16462	49	42	holdings	holding	NOUN
fbem-16462	49	43	(	(	PUNCT
fbem-16462	49	44	dezhu	dezhu	VERB
fbem-16462	49	45	ye	ye	INTJ
fbem-16462	49	46	et	et	PROPN
fbem-16462	49	47	al	al	PROPN
fbem-16462	49	48	.	.	PROPN
fbem-16462	49	49	,	,	PUNCT
fbem-16462	49	50	2015	2015	NUM
fbem-16462	49	51	)	)	PUNCT
fbem-16462	49	52	.	.	PUNCT
fbem-16462	50	1	so	so	ADV
fbem-16462	50	2	what	what	PRON
fbem-16462	50	3	exactly	exactly	ADV
fbem-16462	50	4	is	be	AUX
fbem-16462	50	5	the	the	DET
fbem-16462	50	6	impact	impact	NOUN
fbem-16462	50	7	of	of	ADP
fbem-16462	50	8	residents	resident	NOUN
fbem-16462	50	9	'	'	PART
fbem-16462	50	10	happiness	happiness	NOUN
fbem-16462	50	11	on	on	ADP
fbem-16462	50	12	the	the	DET
fbem-16462	50	13	financial	financial	ADJ
fbem-16462	50	14	products	product	NOUN
fbem-16462	50	15	and	and	CCONJ
fbem-16462	50	16	risky	risky	ADJ
fbem-16462	50	17	financial	financial	ADJ
fbem-16462	50	18	assets	asset	NOUN
fbem-16462	50	19	investment	investment	NOUN
fbem-16462	50	20	of	of	ADP
fbem-16462	50	21	households	household	NOUN
fbem-16462	50	22	holding	hold	VERB
fbem-16462	50	23	housing	housing	NOUN
fbem-16462	50	24	provident	provident	ADJ
fbem-16462	50	25	funds	fund	NOUN
fbem-16462	50	26	?	?	PUNCT
fbem-16462	51	1	so	so	ADV
fbem-16462	51	2	this	this	DET
fbem-16462	51	3	paper	paper	NOUN
fbem-16462	51	4	proposes	propose	VERB
fbem-16462	51	5	hypothesis	hypothesis	NOUN
fbem-16462	51	6	h3	h3	NOUN
fbem-16462	51	7	:	:	PUNCT
fbem-16462	51	8	hypothesis	hypothesis	NOUN
fbem-16462	51	9	h3	h3	NOUN
fbem-16462	51	10	:	:	PUNCT
fbem-16462	51	11	urban	urban	ADJ
fbem-16462	51	12	households	household	NOUN
fbem-16462	51	13	with	with	ADP
fbem-16462	51	14	housing	housing	NOUN
fbem-16462	51	15	funds	fund	NOUN
fbem-16462	51	16	have	have	VERB
fbem-16462	51	17	a	a	DET
fbem-16462	51	18	higher	high	ADJ
fbem-16462	51	19	sense	sense	NOUN
fbem-16462	51	20	of	of	ADP
fbem-16462	51	21	well	well	ADV
fbem-16462	51	22	-	-	PUNCT
fbem-16462	51	23	being	being	NOUN
fbem-16462	51	24	,	,	PUNCT
fbem-16462	51	25	which	which	PRON
fbem-16462	51	26	leads	lead	VERB
fbem-16462	51	27	to	to	ADP
fbem-16462	51	28	increased	increase	VERB
fbem-16462	51	29	investment	investment	NOUN
fbem-16462	51	30	in	in	ADP
fbem-16462	51	31	financial	financial	ADJ
fbem-16462	51	32	products	product	NOUN
fbem-16462	51	33	and	and	CCONJ
fbem-16462	51	34	analyzed	analyze	VERB
fbem-16462	51	35	financial	financial	ADJ
fbem-16462	51	36	assets	asset	NOUN
fbem-16462	51	37	.	.	PUNCT
fbem-16462	52	1	family	family	NOUN
fbem-16462	52	2	wealth	wealth	NOUN
fbem-16462	52	3	accumulation	accumulation	NOUN
fbem-16462	52	4	is	be	AUX
fbem-16462	52	5	a	a	DET
fbem-16462	52	6	stock	stock	NOUN
fbem-16462	52	7	concept	concept	NOUN
fbem-16462	52	8	,	,	PUNCT
fbem-16462	52	9	and	and	CCONJ
fbem-16462	52	10	in	in	ADP
fbem-16462	52	11	the	the	DET
fbem-16462	52	12	140	140	NUM
fbem-16462	52	13	allocation	allocation	NOUN
fbem-16462	52	14	of	of	ADP
fbem-16462	52	15	family	family	NOUN
fbem-16462	52	16	financial	financial	ADJ
fbem-16462	52	17	assets	asset	NOUN
fbem-16462	52	18	,	,	PUNCT
fbem-16462	52	19	family	family	NOUN
fbem-16462	52	20	wealth	wealth	NOUN
fbem-16462	52	21	accumulation	accumulation	NOUN
fbem-16462	52	22	is	be	AUX
fbem-16462	52	23	the	the	DET
fbem-16462	52	24	material	material	PROPN
fbem-16462	52	25	foundation	foundation	NOUN
fbem-16462	52	26	of	of	ADP
fbem-16462	52	27	family	family	NOUN
fbem-16462	52	28	life	life	NOUN
fbem-16462	52	29	and	and	CCONJ
fbem-16462	52	30	development	development	NOUN
fbem-16462	52	31	(	(	PUNCT
fbem-16462	52	32	yu	yu	PROPN
fbem-16462	52	33	wu	wu	PROPN
fbem-16462	52	34	et	et	PROPN
fbem-16462	52	35	al	al	PROPN
fbem-16462	52	36	.	.	PROPN
fbem-16462	52	37	,	,	PUNCT
fbem-16462	52	38	2016	2016	NUM
fbem-16462	52	39	)	)	PUNCT
fbem-16462	52	40	,	,	PUNCT
fbem-16462	52	41	which	which	PRON
fbem-16462	52	42	occupies	occupy	VERB
fbem-16462	52	43	a	a	DET
fbem-16462	52	44	very	very	ADV
fbem-16462	52	45	important	important	ADJ
fbem-16462	52	46	position	position	NOUN
fbem-16462	52	47	in	in	ADP
fbem-16462	52	48	the	the	DET
fbem-16462	52	49	allocation	allocation	NOUN
fbem-16462	52	50	of	of	ADP
fbem-16462	52	51	family	family	NOUN
fbem-16462	52	52	assets	asset	NOUN
fbem-16462	52	53	,	,	PUNCT
fbem-16462	52	54	and	and	CCONJ
fbem-16462	52	55	may	may	AUX
fbem-16462	52	56	affect	affect	VERB
fbem-16462	52	57	the	the	DET
fbem-16462	52	58	allocation	allocation	NOUN
fbem-16462	52	59	choice	choice	NOUN
fbem-16462	52	60	of	of	ADP
fbem-16462	52	61	family	family	NOUN
fbem-16462	52	62	risky	risky	ADJ
fbem-16462	52	63	financial	financial	ADJ
fbem-16462	52	64	assets	asset	NOUN
fbem-16462	52	65	(	(	PUNCT
fbem-16462	52	66	caiyun	caiyun	NOUN
fbem-16462	52	67	zhou	zhou	PROPN
fbem-16462	52	68	,	,	PUNCT
fbem-16462	52	69	2021	2021	NUM
fbem-16462	52	70	)	)	PUNCT
fbem-16462	52	71	.	.	PUNCT
fbem-16462	53	1	as	as	ADP
fbem-16462	53	2	a	a	DET
fbem-16462	53	3	result	result	NOUN
fbem-16462	53	4	,	,	PUNCT
fbem-16462	53	5	this	this	DET
fbem-16462	53	6	paper	paper	NOUN
fbem-16462	53	7	proposes	propose	VERB
fbem-16462	53	8	hypothesis	hypothesis	NOUN
fbem-16462	53	9	h4	h4	NOUN
fbem-16462	53	10	:	:	PUNCT
fbem-16462	53	11	hypothesis	hypothesis	NOUN
fbem-16462	53	12	h4	h4	PROPN
fbem-16462	53	13	:	:	PUNCT
fbem-16462	53	14	household	household	NOUN
fbem-16462	53	15	wealth	wealth	NOUN
fbem-16462	53	16	accumulation	accumulation	NOUN
fbem-16462	53	17	strengthens	strengthen	VERB
fbem-16462	53	18	the	the	DET
fbem-16462	53	19	contribution	contribution	NOUN
fbem-16462	53	20	of	of	ADP
fbem-16462	53	21	housing	housing	NOUN
fbem-16462	53	22	fund	fund	NOUN
fbem-16462	53	23	holdings	holding	NOUN
fbem-16462	53	24	to	to	ADP
fbem-16462	53	25	the	the	DET
fbem-16462	53	26	share	share	NOUN
fbem-16462	53	27	of	of	ADP
fbem-16462	53	28	urban	urban	ADJ
fbem-16462	53	29	households	household	NOUN
fbem-16462	53	30	'	'	PART
fbem-16462	53	31	investment	investment	NOUN
fbem-16462	53	32	in	in	ADP
fbem-16462	53	33	financial	financial	ADJ
fbem-16462	53	34	products	product	NOUN
fbem-16462	53	35	as	as	ADV
fbem-16462	53	36	well	well	ADV
fbem-16462	53	37	as	as	ADP
fbem-16462	53	38	risky	risky	ADJ
fbem-16462	53	39	financial	financial	ADJ
fbem-16462	53	40	assets	asset	NOUN
fbem-16462	53	41	.	.	PUNCT
fbem-16462	54	1	3	3	X
fbem-16462	54	2	.	.	X
fbem-16462	54	3	research	research	NOUN
fbem-16462	54	4	design	design	PROPN
fbem-16462	54	5	3.1	3.1	NUM
fbem-16462	54	6	.	.	PUNCT
fbem-16462	54	7	data	datum	NOUN
fbem-16462	54	8	selection	selection	NOUN
fbem-16462	54	9	and	and	CCONJ
fbem-16462	54	10	sample	sample	NOUN
fbem-16462	54	11	screening	screen	VERB
fbem-16462	54	12	the	the	DET
fbem-16462	54	13	data	datum	NOUN
fbem-16462	54	14	used	use	VERB
fbem-16462	54	15	in	in	ADP
fbem-16462	54	16	this	this	DET
fbem-16462	54	17	paper	paper	NOUN
fbem-16462	54	18	comes	come	VERB
fbem-16462	54	19	from	from	ADP
fbem-16462	54	20	the	the	DET
fbem-16462	54	21	china	china	PROPN
fbem-16462	54	22	household	household	NOUN
fbem-16462	54	23	finance	finance	NOUN
fbem-16462	54	24	survey	survey	NOUN
fbem-16462	54	25	(	(	PUNCT
fbem-16462	54	26	chfs	chfs	NOUN
fbem-16462	54	27	)	)	PUNCT
fbem-16462	54	28	project	project	NOUN
fbem-16462	54	29	organized	organize	VERB
fbem-16462	54	30	and	and	CCONJ
fbem-16462	54	31	managed	manage	VERB
fbem-16462	54	32	by	by	ADP
fbem-16462	54	33	the	the	DET
fbem-16462	54	34	china	china	PROPN
fbem-16462	54	35	household	household	PROPN
fbem-16462	54	36	finance	finance	NOUN
fbem-16462	54	37	survey	survey	NOUN
fbem-16462	54	38	and	and	CCONJ
fbem-16462	54	39	research	research	NOUN
fbem-16462	54	40	center	center	NOUN
fbem-16462	54	41	of	of	ADP
fbem-16462	54	42	southwestern	southwestern	ADJ
fbem-16462	54	43	university	university	PROPN
fbem-16462	54	44	of	of	ADP
fbem-16462	54	45	finance	finance	NOUN
fbem-16462	54	46	and	and	CCONJ
fbem-16462	54	47	economics	economic	NOUN
fbem-16462	54	48	(	(	PUNCT
fbem-16462	54	49	swufe	swufe	NOUN
fbem-16462	54	50	)	)	PUNCT
fbem-16462	54	51	,	,	PUNCT
fbem-16462	54	52	and	and	CCONJ
fbem-16462	54	53	mainly	mainly	ADV
fbem-16462	54	54	use	use	VERB
fbem-16462	54	55	the	the	DET
fbem-16462	54	56	survey	survey	NOUN
fbem-16462	54	57	data	datum	NOUN
fbem-16462	54	58	of	of	ADP
fbem-16462	54	59	the	the	DET
fbem-16462	54	60	project	project	NOUN
fbem-16462	54	61	in	in	ADP
fbem-16462	54	62	2019	2019	NUM
fbem-16462	54	63	.	.	PUNCT
fbem-16462	55	1	the	the	DET
fbem-16462	55	2	program	program	NOUN
fbem-16462	55	3	's	's	PART
fbem-16462	55	4	2019	2019	NUM
fbem-16462	55	5	survey	survey	NOUN
fbem-16462	55	6	sample	sample	NOUN
fbem-16462	55	7	covers	cover	VERB
fbem-16462	55	8	information	information	NOUN
fbem-16462	55	9	on	on	ADP
fbem-16462	55	10	34,643	34,643	NUM
fbem-16462	55	11	households	household	NOUN
fbem-16462	55	12	in	in	ADP
fbem-16462	55	13	29	29	NUM
fbem-16462	55	14	provinces	province	NOUN
fbem-16462	55	15	(	(	PUNCT
fbem-16462	55	16	autonomous	autonomous	ADJ
fbem-16462	55	17	regions	region	NOUN
fbem-16462	55	18	and	and	CCONJ
fbem-16462	55	19	municipalities	municipality	NOUN
fbem-16462	55	20	directly	directly	ADV
fbem-16462	55	21	under	under	ADP
fbem-16462	55	22	the	the	DET
fbem-16462	55	23	central	central	ADJ
fbem-16462	55	24	government	government	NOUN
fbem-16462	55	25	)	)	PUNCT
fbem-16462	55	26	across	across	ADP
fbem-16462	55	27	china	china	PROPN
fbem-16462	55	28	.	.	PUNCT
fbem-16462	56	1	despite	despite	SCONJ
fbem-16462	56	2	the	the	DET
fbem-16462	56	3	current	current	ADJ
fbem-16462	56	4	increase	increase	NOUN
fbem-16462	56	5	in	in	ADP
fbem-16462	56	6	the	the	DET
fbem-16462	56	7	number	number	NOUN
fbem-16462	56	8	of	of	ADP
fbem-16462	56	9	people	people	NOUN
fbem-16462	56	10	to	to	PART
fbem-16462	56	11	whom	whom	PRON
fbem-16462	56	12	the	the	DET
fbem-16462	56	13	housing	housing	NOUN
fbem-16462	56	14	fund	fund	NOUN
fbem-16462	56	15	applies	apply	VERB
fbem-16462	56	16	,	,	PUNCT
fbem-16462	56	17	it	it	PRON
fbem-16462	56	18	still	still	ADV
fbem-16462	56	19	exists	exist	VERB
fbem-16462	56	20	most	most	ADV
fbem-16462	56	21	predominantly	predominantly	ADV
fbem-16462	56	22	among	among	ADP
fbem-16462	56	23	urban	urban	ADJ
fbem-16462	56	24	residents	resident	NOUN
fbem-16462	56	25	,	,	PUNCT
fbem-16462	56	26	thus	thus	ADV
fbem-16462	56	27	this	this	DET
fbem-16462	56	28	paper	paper	NOUN
fbem-16462	56	29	excludes	exclude	VERB
fbem-16462	56	30	the	the	DET
fbem-16462	56	31	sample	sample	NOUN
fbem-16462	56	32	of	of	ADP
fbem-16462	56	33	rural	rural	ADJ
fbem-16462	56	34	households	household	NOUN
fbem-16462	56	35	and	and	CCONJ
fbem-16462	56	36	only	only	ADV
fbem-16462	56	37	studies	study	NOUN
fbem-16462	56	38	urban	urban	ADJ
fbem-16462	56	39	households	household	NOUN
fbem-16462	56	40	.	.	PUNCT
fbem-16462	57	1	in	in	ADP
fbem-16462	57	2	this	this	DET
fbem-16462	57	3	paper	paper	NOUN
fbem-16462	57	4	,	,	PUNCT
fbem-16462	57	5	we	we	PRON
fbem-16462	57	6	refer	refer	VERB
fbem-16462	57	7	to	to	ADP
fbem-16462	57	8	the	the	DET
fbem-16462	57	9	methodology	methodology	NOUN
fbem-16462	57	10	of	of	ADP
fbem-16462	57	11	huadong	huadong	ADJ
fbem-16462	57	12	zhou	zhou	NOUN
fbem-16462	57	13	(	(	PUNCT
fbem-16462	57	14	2022	2022	NUM
fbem-16462	57	15	)	)	PUNCT
fbem-16462	57	16	and	and	CCONJ
fbem-16462	57	17	other	other	ADJ
fbem-16462	57	18	scholars	scholar	NOUN
fbem-16462	57	19	in	in	ADP
fbem-16462	57	20	data	datum	NOUN
fbem-16462	57	21	preprocessing	preprocessing	NOUN
fbem-16462	57	22	,	,	PUNCT
fbem-16462	57	23	excluding	exclude	VERB
fbem-16462	57	24	the	the	DET
fbem-16462	57	25	samples	sample	NOUN
fbem-16462	57	26	with	with	ADP
fbem-16462	57	27	total	total	ADJ
fbem-16462	57	28	household	household	NOUN
fbem-16462	57	29	income	income	NOUN
fbem-16462	57	30	and	and	CCONJ
fbem-16462	57	31	financial	financial	ADJ
fbem-16462	57	32	assets	asset	NOUN
fbem-16462	57	33	less	less	ADJ
fbem-16462	57	34	than	than	ADP
fbem-16462	57	35	0	0	NUM
fbem-16462	57	36	,	,	PUNCT
fbem-16462	57	37	and	and	CCONJ
fbem-16462	57	38	retaining	retain	VERB
fbem-16462	57	39	only	only	ADV
fbem-16462	57	40	the	the	DET
fbem-16462	57	41	sample	sample	NOUN
fbem-16462	57	42	households	household	NOUN
fbem-16462	57	43	with	with	ADP
fbem-16462	57	44	the	the	DET
fbem-16462	57	45	head	head	NOUN
fbem-16462	57	46	of	of	ADP
fbem-16462	57	47	the	the	DET
fbem-16462	57	48	household	household	NOUN
fbem-16462	57	49	aged	age	VERB
fbem-16462	57	50	18	18	NUM
fbem-16462	57	51	-	-	SYM
fbem-16462	57	52	65	65	NUM
fbem-16462	57	53	years	year	NOUN
fbem-16462	57	54	old	old	ADJ
fbem-16462	57	55	,	,	PUNCT
fbem-16462	57	56	together	together	ADV
fbem-16462	57	57	with	with	ADP
fbem-16462	57	58	the	the	DET
fbem-16462	57	59	treatment	treatment	NOUN
fbem-16462	57	60	of	of	ADP
fbem-16462	57	61	some	some	PRON
fbem-16462	57	62	of	of	ADP
fbem-16462	57	63	the	the	DET
fbem-16462	57	64	missing	miss	VERB
fbem-16462	57	65	variables	variable	NOUN
fbem-16462	57	66	in	in	ADP
fbem-16462	57	67	the	the	DET
fbem-16462	57	68	data	datum	NOUN
fbem-16462	57	69	,	,	PUNCT
fbem-16462	57	70	and	and	CCONJ
fbem-16462	57	71	finally	finally	ADV
fbem-16462	57	72	there	there	PRON
fbem-16462	57	73	are	be	VERB
fbem-16462	57	74	8977	8977	NUM
fbem-16462	57	75	urban	urban	ADJ
fbem-16462	57	76	households	household	NOUN
fbem-16462	57	77	left	leave	VERB
fbem-16462	57	78	as	as	ADP
fbem-16462	57	79	the	the	DET
fbem-16462	57	80	valid	valid	ADJ
fbem-16462	57	81	research	research	NOUN
fbem-16462	57	82	sample	sample	NOUN
fbem-16462	57	83	of	of	ADP
fbem-16462	57	84	this	this	DET
fbem-16462	57	85	paper	paper	NOUN
fbem-16462	57	86	.	.	PUNCT
fbem-16462	58	1	3.2	3.2	NUM
fbem-16462	58	2	.	.	PUNCT
fbem-16462	58	3	definition	definition	NOUN
fbem-16462	58	4	of	of	ADP
fbem-16462	58	5	main	main	ADJ
fbem-16462	58	6	variables	variable	NOUN
fbem-16462	58	7	and	and	CCONJ
fbem-16462	58	8	descriptive	descriptive	ADJ
fbem-16462	58	9	statistics	statistic	NOUN
fbem-16462	58	10	3.2.1	3.2.1	NUM
fbem-16462	58	11	.	.	PUNCT
fbem-16462	58	12	explained	explain	VERB
fbem-16462	58	13	variables	variable	NOUN
fbem-16462	58	14	this	this	DET
fbem-16462	58	15	paper	paper	NOUN
fbem-16462	58	16	focuses	focus	VERB
fbem-16462	58	17	on	on	ADP
fbem-16462	58	18	the	the	DET
fbem-16462	58	19	impact	impact	NOUN
fbem-16462	58	20	of	of	ADP
fbem-16462	58	21	housing	housing	PROPN
fbem-16462	58	22	provident	provident	ADJ
fbem-16462	58	23	fund	fund	NOUN
fbem-16462	58	24	holdings	holding	NOUN
fbem-16462	58	25	on	on	ADP
fbem-16462	58	26	urban	urban	ADJ
fbem-16462	58	27	households	household	NOUN
fbem-16462	58	28	'	'	PART
fbem-16462	58	29	investment	investment	NOUN
fbem-16462	58	30	in	in	ADP
fbem-16462	58	31	risky	risky	ADJ
fbem-16462	58	32	financial	financial	ADJ
fbem-16462	58	33	assets	asset	NOUN
fbem-16462	58	34	.	.	PUNCT
fbem-16462	59	1	in	in	ADP
fbem-16462	59	2	the	the	DET
fbem-16462	59	3	chinese	chinese	ADJ
fbem-16462	59	4	household	household	NOUN
fbem-16462	59	5	finance	finance	NOUN
fbem-16462	59	6	survey	survey	NOUN
fbem-16462	59	7	,	,	PUNCT
fbem-16462	59	8	total	total	ADJ
fbem-16462	59	9	household	household	NOUN
fbem-16462	59	10	assets	asset	NOUN
fbem-16462	59	11	include	include	VERB
fbem-16462	59	12	two	two	NUM
fbem-16462	59	13	major	major	ADJ
fbem-16462	59	14	parts	part	NOUN
fbem-16462	59	15	:	:	PUNCT
fbem-16462	59	16	non	non	ADJ
fbem-16462	59	17	-	-	ADJ
fbem-16462	59	18	financial	financial	ADJ
fbem-16462	59	19	assets	asset	NOUN
fbem-16462	59	20	and	and	CCONJ
fbem-16462	59	21	financial	financial	ADJ
fbem-16462	59	22	assets	asset	NOUN
fbem-16462	59	23	(	(	PUNCT
fbem-16462	59	24	li	li	PROPN
fbem-16462	59	25	gan	gan	PROPN
fbem-16462	59	26	and	and	CCONJ
fbem-16462	59	27	zhichao	zhichao	ADJ
fbem-16462	59	28	yin	yin	PROPN
fbem-16462	59	29	et	et	PROPN
fbem-16462	59	30	al	al	PROPN
fbem-16462	59	31	.	.	PROPN
fbem-16462	59	32	,	,	PUNCT
fbem-16462	59	33	2013	2013	NUM
fbem-16462	59	34	)	)	PUNCT
fbem-16462	59	35	.	.	PUNCT
fbem-16462	60	1	zhichao	zhichao	PROPN
fbem-16462	60	2	yin	yin	PROPN
fbem-16462	60	3	(	(	PUNCT
fbem-16462	60	4	2014	2014	NUM
fbem-16462	60	5	)	)	PUNCT
fbem-16462	60	6	and	and	CCONJ
fbem-16462	60	7	other	other	ADJ
fbem-16462	60	8	scholars	scholar	NOUN
fbem-16462	60	9	further	far	ADV
fbem-16462	60	10	define	define	VERB
fbem-16462	60	11	stocks	stock	NOUN
fbem-16462	60	12	,	,	PUNCT
fbem-16462	60	13	funds	fund	NOUN
fbem-16462	60	14	,	,	PUNCT
fbem-16462	60	15	financial	financial	ADJ
fbem-16462	60	16	bonds	bond	NOUN
fbem-16462	60	17	,	,	PUNCT
fbem-16462	60	18	corporate	corporate	ADJ
fbem-16462	60	19	bonds	bond	NOUN
fbem-16462	60	20	,	,	PUNCT
fbem-16462	60	21	financial	financial	ADJ
fbem-16462	60	22	derivatives	derivative	NOUN
fbem-16462	60	23	,	,	PUNCT
fbem-16462	60	24	financial	financial	ADJ
fbem-16462	60	25	wealth	wealth	NOUN
fbem-16462	60	26	management	management	NOUN
fbem-16462	60	27	products	product	NOUN
fbem-16462	60	28	,	,	PUNCT
fbem-16462	60	29	and	and	CCONJ
fbem-16462	60	30	foreign	foreign	ADJ
fbem-16462	60	31	exchange	exchange	NOUN
fbem-16462	60	32	gold	gold	NOUN
fbem-16462	60	33	as	as	ADP
fbem-16462	60	34	risky	risky	ADJ
fbem-16462	60	35	assets	asset	NOUN
fbem-16462	60	36	,	,	PUNCT
fbem-16462	60	37	and	and	CCONJ
fbem-16462	60	38	cash	cash	NOUN
fbem-16462	60	39	,	,	PUNCT
fbem-16462	60	40	cash	cash	NOUN
fbem-16462	60	41	in	in	ADP
fbem-16462	60	42	stock	stock	NOUN
fbem-16462	60	43	accounts	account	NOUN
fbem-16462	60	44	,	,	PUNCT
fbem-16462	60	45	government	government	NOUN
fbem-16462	60	46	bonds	bond	NOUN
fbem-16462	60	47	,	,	PUNCT
fbem-16462	60	48	demand	demand	NOUN
fbem-16462	60	49	deposits	deposit	NOUN
fbem-16462	60	50	,	,	PUNCT
fbem-16462	60	51	and	and	CCONJ
fbem-16462	60	52	time	time	NOUN
fbem-16462	60	53	deposits	deposit	NOUN
fbem-16462	60	54	as	as	ADP
fbem-16462	60	55	non	non	ADJ
fbem-16462	60	56	-	-	ADJ
fbem-16462	60	57	risky	risky	ADJ
fbem-16462	60	58	assets	asset	NOUN
fbem-16462	60	59	.	.	PUNCT
fbem-16462	61	1	a	a	DET
fbem-16462	61	2	brief	brief	ADJ
fbem-16462	61	3	analysis	analysis	NOUN
fbem-16462	61	4	of	of	ADP
fbem-16462	61	5	the	the	DET
fbem-16462	61	6	2019	2019	NUM
fbem-16462	61	7	chfs	chfs	PROPN
fbem-16462	61	8	survey	survey	NOUN
fbem-16462	61	9	data	datum	NOUN
fbem-16462	61	10	reveals	reveal	VERB
fbem-16462	61	11	that	that	SCONJ
fbem-16462	61	12	wealth	wealth	NOUN
fbem-16462	61	13	management	management	NOUN
fbem-16462	61	14	products	product	NOUN
fbem-16462	61	15	(	(	PUNCT
fbem-16462	61	16	including	include	VERB
fbem-16462	61	17	both	both	DET
fbem-16462	61	18	types	type	NOUN
fbem-16462	61	19	of	of	ADP
fbem-16462	61	20	internet	internet	NOUN
fbem-16462	61	21	wealth	wealth	NOUN
fbem-16462	61	22	management	management	NOUN
fbem-16462	61	23	products	product	NOUN
fbem-16462	61	24	as	as	ADV
fbem-16462	61	25	well	well	ADV
fbem-16462	61	26	as	as	ADP
fbem-16462	61	27	financial	financial	ADJ
fbem-16462	61	28	wealth	wealth	NOUN
fbem-16462	61	29	management	management	NOUN
fbem-16462	61	30	products	product	NOUN
fbem-16462	61	31	)	)	PUNCT
fbem-16462	61	32	have	have	AUX
fbem-16462	61	33	become	become	VERB
fbem-16462	61	34	the	the	DET
fbem-16462	61	35	most	most	ADV
fbem-16462	61	36	dominant	dominant	ADJ
fbem-16462	61	37	type	type	NOUN
fbem-16462	61	38	of	of	ADP
fbem-16462	61	39	investment	investment	NOUN
fbem-16462	61	40	for	for	ADP
fbem-16462	61	41	current	current	ADJ
fbem-16462	61	42	households	household	NOUN
fbem-16462	61	43	,	,	PUNCT
fbem-16462	61	44	and	and	CCONJ
fbem-16462	61	45	the	the	DET
fbem-16462	61	46	second	second	ADJ
fbem-16462	61	47	most	most	ADV
fbem-16462	61	48	common	common	ADJ
fbem-16462	61	49	type	type	NOUN
fbem-16462	61	50	of	of	ADP
fbem-16462	61	51	investment	investment	NOUN
fbem-16462	61	52	product	product	NOUN
fbem-16462	61	53	is	be	AUX
fbem-16462	61	54	stocks	stock	NOUN
fbem-16462	61	55	.	.	PUNCT
fbem-16462	62	1	as	as	ADP
fbem-16462	62	2	a	a	DET
fbem-16462	62	3	result	result	NOUN
fbem-16462	62	4	,	,	PUNCT
fbem-16462	62	5	this	this	DET
fbem-16462	62	6	paper	paper	NOUN
fbem-16462	62	7	refers	refer	VERB
fbem-16462	62	8	to	to	ADP
fbem-16462	62	9	yongwei	yongwei	PROPN
fbem-16462	62	10	chen	chen	PROPN
fbem-16462	62	11	(	(	PUNCT
fbem-16462	62	12	2015	2015	NUM
fbem-16462	62	13	)	)	PUNCT
fbem-16462	62	14	and	and	CCONJ
fbem-16462	62	15	other	other	ADJ
fbem-16462	62	16	scholars	scholar	NOUN
fbem-16462	62	17	,	,	PUNCT
fbem-16462	62	18	and	and	CCONJ
fbem-16462	62	19	selects	select	VERB
fbem-16462	62	20	“	"	PUNCT
fbem-16462	62	21	the	the	DET
fbem-16462	62	22	proportion	proportion	NOUN
fbem-16462	62	23	of	of	ADP
fbem-16462	62	24	investment	investment	NOUN
fbem-16462	62	25	in	in	ADP
fbem-16462	62	26	financial	financial	ADJ
fbem-16462	62	27	products	product	NOUN
fbem-16462	62	28	(	(	PUNCT
fbem-16462	62	29	fin	fin	NOUN
fbem-16462	62	30	-	-	PUNCT
fbem-16462	62	31	ratio	ratio	NOUN
fbem-16462	62	32	)	)	PUNCT
fbem-16462	62	33	”	"	PUNCT
fbem-16462	62	34	and	and	CCONJ
fbem-16462	62	35	“	"	PUNCT
fbem-16462	62	36	the	the	DET
fbem-16462	62	37	proportion	proportion	NOUN
fbem-16462	62	38	of	of	ADP
fbem-16462	62	39	investment	investment	NOUN
fbem-16462	62	40	in	in	ADP
fbem-16462	62	41	risky	risky	ADJ
fbem-16462	62	42	financial	financial	ADJ
fbem-16462	62	43	assets	asset	NOUN
fbem-16462	62	44	(	(	PUNCT
fbem-16462	62	45	risk	risk	NOUN
fbem-16462	62	46	-	-	PUNCT
fbem-16462	62	47	ratio	ratio	NOUN
fbem-16462	62	48	)	)	PUNCT
fbem-16462	62	49	”	"	PUNCT
fbem-16462	62	50	as	as	ADP
fbem-16462	62	51	the	the	DET
fbem-16462	62	52	explanatory	explanatory	ADJ
fbem-16462	62	53	variables	variable	NOUN
fbem-16462	62	54	.	.	PUNCT
fbem-16462	63	1	3.2.2	3.2.2	NUM
fbem-16462	63	2	.	.	PUNCT
fbem-16462	64	1	core	core	NOUN
fbem-16462	64	2	explanatory	explanatory	ADJ
fbem-16462	64	3	variables	variable	NOUN
fbem-16462	64	4	the	the	DET
fbem-16462	64	5	core	core	ADJ
fbem-16462	64	6	explanatory	explanatory	ADJ
fbem-16462	64	7	variable	variable	NOUN
fbem-16462	64	8	of	of	ADP
fbem-16462	64	9	this	this	DET
fbem-16462	64	10	paper	paper	NOUN
fbem-16462	64	11	is	be	AUX
fbem-16462	64	12	a	a	DET
fbem-16462	64	13	dummy	dummy	ADJ
fbem-16462	64	14	variable	variable	NOUN
fbem-16462	64	15	related	relate	VERB
fbem-16462	64	16	to	to	ADP
fbem-16462	64	17	housing	housing	NOUN
fbem-16462	64	18	provident	provident	ADJ
fbem-16462	64	19	fund	fund	NOUN
fbem-16462	64	20	,	,	PUNCT
fbem-16462	64	21	and	and	CCONJ
fbem-16462	64	22	whether	whether	SCONJ
fbem-16462	64	23	the	the	DET
fbem-16462	64	24	family	family	NOUN
fbem-16462	64	25	members	member	NOUN
fbem-16462	64	26	have	have	VERB
fbem-16462	64	27	housing	housing	NOUN
fbem-16462	64	28	provident	provident	ADJ
fbem-16462	64	29	fund	fund	NOUN
fbem-16462	64	30	(	(	PUNCT
fbem-16462	64	31	hpf	hpf	NOUN
fbem-16462	64	32	)	)	PUNCT
fbem-16462	64	33	is	be	AUX
fbem-16462	64	34	chosen	choose	VERB
fbem-16462	64	35	as	as	ADP
fbem-16462	64	36	the	the	DET
fbem-16462	64	37	core	core	NOUN
fbem-16462	64	38	explanatory	explanatory	ADJ
fbem-16462	64	39	variable	variable	NOUN
fbem-16462	64	40	.	.	PUNCT
fbem-16462	65	1	this	this	DET
fbem-16462	65	2	paper	paper	NOUN
fbem-16462	65	3	sets	set	VERB
fbem-16462	65	4	the	the	DET
fbem-16462	65	5	core	core	NOUN
fbem-16462	65	6	explanatory	explanatory	ADJ
fbem-16462	65	7	variable	variable	ADJ
fbem-16462	65	8	hpf	hpf	NOUN
fbem-16462	65	9	to	to	PART
fbem-16462	65	10	take	take	VERB
fbem-16462	65	11	the	the	DET
fbem-16462	65	12	value	value	NOUN
fbem-16462	65	13	of	of	ADP
fbem-16462	65	14	1	1	NUM
fbem-16462	65	15	as	as	ADV
fbem-16462	65	16	long	long	ADV
fbem-16462	65	17	as	as	SCONJ
fbem-16462	65	18	there	there	PRON
fbem-16462	65	19	are	be	VERB
fbem-16462	65	20	family	family	NOUN
fbem-16462	65	21	members	member	NOUN
fbem-16462	65	22	in	in	ADP
fbem-16462	65	23	the	the	DET
fbem-16462	65	24	sample	sample	NOUN
fbem-16462	65	25	households	household	NOUN
fbem-16462	65	26	who	who	PRON
fbem-16462	65	27	own	own	VERB
fbem-16462	65	28	housing	housing	NOUN
fbem-16462	65	29	provident	provident	ADJ
fbem-16462	65	30	funds	fund	NOUN
fbem-16462	65	31	,	,	PUNCT
fbem-16462	65	32	if	if	SCONJ
fbem-16462	65	33	all	all	DET
fbem-16462	65	34	family	family	NOUN
fbem-16462	65	35	members	member	NOUN
fbem-16462	65	36	do	do	AUX
fbem-16462	65	37	not	not	PART
fbem-16462	65	38	own	own	VERB
fbem-16462	65	39	housing	housing	NOUN
fbem-16462	65	40	provident	provident	ADJ
fbem-16462	65	41	funds	fund	NOUN
fbem-16462	65	42	,	,	PUNCT
fbem-16462	65	43	the	the	DET
fbem-16462	65	44	variable	variable	ADJ
fbem-16462	65	45	hpf	hpf	NOUN
fbem-16462	65	46	takes	take	VERB
fbem-16462	65	47	the	the	DET
fbem-16462	65	48	value	value	NOUN
fbem-16462	65	49	of	of	ADP
fbem-16462	65	50	0	0	NUM
fbem-16462	65	51	.	.	PUNCT
fbem-16462	66	1	3.2.3	3.2.3	NUM
fbem-16462	66	2	.	.	PUNCT
fbem-16462	66	3	other	other	ADJ
fbem-16462	66	4	variables	variable	NOUN
fbem-16462	66	5	referring	refer	VERB
fbem-16462	66	6	to	to	ADP
fbem-16462	66	7	the	the	DET
fbem-16462	66	8	research	research	NOUN
fbem-16462	66	9	methodology	methodology	NOUN
fbem-16462	66	10	of	of	ADP
fbem-16462	66	11	xuanjuan	xuanjuan	PROPN
fbem-16462	66	12	chen	chen	PROPN
fbem-16462	66	13	(	(	PUNCT
fbem-16462	66	14	2021	2021	NUM
fbem-16462	66	15	)	)	PUNCT
fbem-16462	66	16	and	and	CCONJ
fbem-16462	66	17	other	other	ADJ
fbem-16462	66	18	scholars	scholar	NOUN
fbem-16462	66	19	,	,	PUNCT
fbem-16462	66	20	the	the	DET
fbem-16462	66	21	control	control	NOUN
fbem-16462	66	22	variables	variable	NOUN
fbem-16462	66	23	selected	select	VERB
fbem-16462	66	24	in	in	ADP
fbem-16462	66	25	this	this	DET
fbem-16462	66	26	paper	paper	NOUN
fbem-16462	66	27	mainly	mainly	ADV
fbem-16462	66	28	include	include	VERB
fbem-16462	66	29	the	the	DET
fbem-16462	66	30	following	following	ADJ
fbem-16462	66	31	variables	variable	NOUN
fbem-16462	66	32	:	:	PUNCT
fbem-16462	66	33	gender	gender	NOUN
fbem-16462	66	34	of	of	ADP
fbem-16462	66	35	the	the	DET
fbem-16462	66	36	household	household	NOUN
fbem-16462	66	37	head(gender	head(gender	PROPN
fbem-16462	66	38	)	)	PUNCT
fbem-16462	66	39	,	,	PUNCT
fbem-16462	66	40	age	age	NOUN
fbem-16462	66	41	of	of	ADP
fbem-16462	66	42	the	the	DET
fbem-16462	66	43	household	household	NOUN
fbem-16462	66	44	head	head	NOUN
fbem-16462	66	45	(	(	PUNCT
fbem-16462	66	46	age	age	NOUN
fbem-16462	66	47	)	)	PUNCT
fbem-16462	66	48	,	,	PUNCT
fbem-16462	66	49	the	the	DET
fbem-16462	66	50	household	household	NOUN
fbem-16462	66	51	head	head	NOUN
fbem-16462	66	52	with	with	ADP
fbem-16462	66	53	age	age	NOUN
fbem-16462	66	54	squared	square	VERB
fbem-16462	66	55	(	(	PUNCT
fbem-16462	66	56	age2	age2	PROPN
fbem-16462	66	57	)	)	PUNCT
fbem-16462	66	58	the	the	DET
fbem-16462	66	59	household	household	NOUN
fbem-16462	66	60	head	head	NOUN
fbem-16462	66	61	's	's	PART
fbem-16462	66	62	risk	risk	NOUN
fbem-16462	66	63	preference	preference	NOUN
fbem-16462	66	64	(	(	PUNCT
fbem-16462	66	65	risk	risk	NOUN
fbem-16462	66	66	-	-	PUNCT
fbem-16462	66	67	like	like	NOUN
fbem-16462	66	68	)	)	PUNCT
fbem-16462	66	69	,	,	PUNCT
fbem-16462	66	70	the	the	DET
fbem-16462	66	71	household	household	NOUN
fbem-16462	66	72	head	head	NOUN
fbem-16462	66	73	's	's	PART
fbem-16462	66	74	marital	marital	ADJ
fbem-16462	66	75	status	status	NOUN
fbem-16462	66	76	(	(	PUNCT
fbem-16462	66	77	marriage	marriage	NOUN
fbem-16462	66	78	)	)	PUNCT
fbem-16462	66	79	,	,	PUNCT
fbem-16462	66	80	the	the	DET
fbem-16462	66	81	attributes	attribute	NOUN
fbem-16462	66	82	of	of	ADP
fbem-16462	66	83	the	the	DET
fbem-16462	66	84	household	household	NOUN
fbem-16462	66	85	's	's	PART
fbem-16462	66	86	housing	housing	NOUN
fbem-16462	66	87	(	(	PUNCT
fbem-16462	66	88	house	house	PROPN
fbem-16462	66	89	)	)	PUNCT
fbem-16462	66	90	,	,	PUNCT
fbem-16462	66	91	the	the	DET
fbem-16462	66	92	household	household	NOUN
fbem-16462	66	93	size	size	NOUN
fbem-16462	66	94	(	(	PUNCT
fbem-16462	66	95	family	family	NOUN
fbem-16462	66	96	-	-	PUNCT
fbem-16462	66	97	size	size	NOUN
fbem-16462	66	98	)	)	PUNCT
fbem-16462	66	99	,	,	PUNCT
fbem-16462	66	100	and	and	CCONJ
fbem-16462	66	101	household	household	NOUN
fbem-16462	66	102	debt	debt	NOUN
fbem-16462	66	103	ratio	ratio	NOUN
fbem-16462	66	104	(	(	PUNCT
fbem-16462	66	105	debt	debt	NOUN
fbem-16462	66	106	-	-	PUNCT
fbem-16462	66	107	ratio	ratio	NOUN
fbem-16462	66	108	)	)	PUNCT
fbem-16462	66	109	.	.	PUNCT
fbem-16462	67	1	for	for	ADP
fbem-16462	67	2	the	the	DET
fbem-16462	67	3	risk	risk	NOUN
fbem-16462	67	4	appetite	appetite	NOUN
fbem-16462	67	5	of	of	ADP
fbem-16462	67	6	the	the	DET
fbem-16462	67	7	household	household	NOUN
fbem-16462	67	8	head	head	NOUN
fbem-16462	67	9	,	,	PUNCT
fbem-16462	67	10	it	it	PRON
fbem-16462	67	11	is	be	AUX
fbem-16462	67	12	defined	define	VERB
fbem-16462	67	13	using	use	VERB
fbem-16462	67	14	the	the	DET
fbem-16462	67	15	household	household	NOUN
fbem-16462	67	16	head	head	NOUN
fbem-16462	67	17	's	's	PART
fbem-16462	67	18	responses	response	NOUN
fbem-16462	67	19	to	to	ADP
fbem-16462	67	20	the	the	DET
fbem-16462	67	21	questionnaire	questionnaire	NOUN
fbem-16462	67	22	questions	question	NOUN
fbem-16462	67	23	.	.	PUNCT
fbem-16462	68	1	the	the	DET
fbem-16462	68	2	question	question	NOUN
fbem-16462	68	3	in	in	ADP
fbem-16462	68	4	the	the	DET
fbem-16462	68	5	chfs	chfs	ADJ
fbem-16462	68	6	2019	2019	NUM
fbem-16462	68	7	questionnaire	questionnaire	NOUN
fbem-16462	68	8	,	,	PUNCT
fbem-16462	68	9	“	"	PUNCT
fbem-16462	68	10	if	if	SCONJ
fbem-16462	68	11	you	you	PRON
fbem-16462	68	12	had	have	VERB
fbem-16462	68	13	a	a	DET
fbem-16462	68	14	sum	sum	NOUN
fbem-16462	68	15	of	of	ADP
fbem-16462	68	16	money	money	NOUN
fbem-16462	68	17	to	to	PART
fbem-16462	68	18	invest	invest	VERB
fbem-16462	68	19	,	,	PUNCT
fbem-16462	68	20	what	what	DET
fbem-16462	68	21	kind	kind	NOUN
fbem-16462	68	22	of	of	ADP
fbem-16462	68	23	investment	investment	NOUN
fbem-16462	68	24	would	would	AUX
fbem-16462	68	25	you	you	PRON
fbem-16462	68	26	most	most	ADV
fbem-16462	68	27	prefer	prefer	VERB
fbem-16462	68	28	?	?	PUNCT
fbem-16462	68	29	”	"	PUNCT
fbem-16462	69	1	the	the	DET
fbem-16462	69	2	household	household	NOUN
fbem-16462	69	3	head	head	NOUN
fbem-16462	69	4	risk	risk	NOUN
fbem-16462	69	5	preference	preference	NOUN
fbem-16462	69	6	variable	variable	NOUN
fbem-16462	69	7	is	be	AUX
fbem-16462	69	8	assigned	assign	VERB
fbem-16462	69	9	a	a	DET
fbem-16462	69	10	value	value	NOUN
fbem-16462	69	11	of	of	ADP
fbem-16462	69	12	1	1	NUM
fbem-16462	69	13	to	to	PART
fbem-16462	69	14	5	5	NUM
fbem-16462	69	15	based	base	VERB
fbem-16462	69	16	on	on	ADP
fbem-16462	69	17	the	the	DET
fbem-16462	69	18	options	option	NOUN
fbem-16462	69	19	,	,	PUNCT
fbem-16462	69	20	with	with	ADP
fbem-16462	69	21	smaller	small	ADJ
fbem-16462	69	22	values	value	NOUN
fbem-16462	69	23	are	be	AUX
fbem-16462	69	24	assigned	assign	VERB
fbem-16462	69	25	a	a	DET
fbem-16462	69	26	value	value	NOUN
fbem-16462	69	27	based	base	VERB
fbem-16462	69	28	on	on	ADP
fbem-16462	69	29	whether	whether	SCONJ
fbem-16462	69	30	the	the	DET
fbem-16462	69	31	family	family	NOUN
fbem-16462	69	32	owns	own	VERB
fbem-16462	69	33	its	its	PRON
fbem-16462	69	34	own	own	ADJ
fbem-16462	69	35	home	home	NOUN
fbem-16462	69	36	;	;	PUNCT
fbem-16462	69	37	if	if	SCONJ
fbem-16462	69	38	the	the	DET
fbem-16462	69	39	family	family	NOUN
fbem-16462	69	40	owns	own	VERB
fbem-16462	69	41	its	its	PRON
fbem-16462	69	42	own	own	ADJ
fbem-16462	69	43	home	home	NOUN
fbem-16462	69	44	,	,	PUNCT
fbem-16462	69	45	the	the	DET
fbem-16462	69	46	family	family	NOUN
fbem-16462	69	47	housing	housing	NOUN
fbem-16462	69	48	attribute	attribute	NOUN
fbem-16462	69	49	takes	take	VERB
fbem-16462	69	50	the	the	DET
fbem-16462	69	51	value	value	NOUN
fbem-16462	69	52	of	of	ADP
fbem-16462	69	53	1	1	NUM
fbem-16462	69	54	,	,	PUNCT
fbem-16462	69	55	otherwise	otherwise	ADV
fbem-16462	69	56	it	it	PRON
fbem-16462	69	57	takes	take	VERB
fbem-16462	69	58	the	the	DET
fbem-16462	69	59	value	value	NOUN
fbem-16462	69	60	of	of	ADP
fbem-16462	69	61	0	0	NUM
fbem-16462	69	62	.	.	PUNCT
fbem-16462	70	1	family	family	NOUN
fbem-16462	70	2	-	-	PUNCT
fbem-16462	70	3	size	size	NOUN
fbem-16462	70	4	is	be	AUX
fbem-16462	70	5	based	base	VERB
fbem-16462	70	6	on	on	ADP
fbem-16462	70	7	the	the	DET
fbem-16462	70	8	number	number	NOUN
fbem-16462	70	9	of	of	ADP
fbem-16462	70	10	family	family	NOUN
fbem-16462	70	11	members	member	NOUN
fbem-16462	70	12	and	and	CCONJ
fbem-16462	70	13	takes	take	VERB
fbem-16462	70	14	the	the	DET
fbem-16462	70	15	value	value	NOUN
fbem-16462	70	16	of	of	ADP
fbem-16462	70	17	1,2,3	1,2,3	NUM
fbem-16462	70	18	etc	etc	X
fbem-16462	70	19	.	.	X
fbem-16462	71	1	3.2.4	3.2.4	NUM
fbem-16462	71	2	.	.	PUNCT
fbem-16462	71	3	descriptive	descriptive	ADJ
fbem-16462	71	4	statistics	statistic	NOUN
fbem-16462	71	5	table	table	NOUN
fbem-16462	71	6	1	1	NUM
fbem-16462	71	7	demonstrates	demonstrate	VERB
fbem-16462	71	8	the	the	DET
fbem-16462	71	9	definitions	definition	NOUN
fbem-16462	71	10	and	and	CCONJ
fbem-16462	71	11	descriptive	descriptive	ADJ
fbem-16462	71	12	statistics	statistic	NOUN
fbem-16462	71	13	of	of	ADP
fbem-16462	71	14	the	the	DET
fbem-16462	71	15	main	main	ADJ
fbem-16462	71	16	variables	variable	NOUN
fbem-16462	71	17	covered	cover	VERB
fbem-16462	71	18	by	by	ADP
fbem-16462	71	19	the	the	DET
fbem-16462	71	20	sample	sample	NOUN
fbem-16462	71	21	households	household	NOUN
fbem-16462	71	22	.	.	PUNCT
fbem-16462	72	1	as	as	SCONJ
fbem-16462	72	2	can	can	AUX
fbem-16462	72	3	be	be	AUX
fbem-16462	72	4	seen	see	VERB
fbem-16462	72	5	from	from	ADP
fbem-16462	72	6	table	table	NOUN
fbem-16462	72	7	1	1	NUM
fbem-16462	72	8	,	,	PUNCT
fbem-16462	72	9	the	the	DET
fbem-16462	72	10	mean	mean	ADJ
fbem-16462	72	11	value	value	NOUN
fbem-16462	72	12	of	of	ADP
fbem-16462	72	13	households	household	NOUN
fbem-16462	72	14	in	in	ADP
fbem-16462	72	15	the	the	DET
fbem-16462	72	16	sample	sample	NOUN
fbem-16462	72	17	holding	hold	VERB
fbem-16462	72	18	housing	housing	PROPN
fbem-16462	72	19	provident	provident	ADJ
fbem-16462	72	20	funds	fund	NOUN
fbem-16462	72	21	is	be	AUX
fbem-16462	72	22	35.8	35.8	NUM
fbem-16462	72	23	%	%	NOUN
fbem-16462	72	24	,	,	PUNCT
fbem-16462	72	25	which	which	PRON
fbem-16462	72	26	is	be	AUX
fbem-16462	72	27	not	not	PART
fbem-16462	72	28	a	a	DET
fbem-16462	72	29	very	very	ADV
fbem-16462	72	30	high	high	ADJ
fbem-16462	72	31	coverage	coverage	NOUN
fbem-16462	72	32	ratio	ratio	NOUN
fbem-16462	72	33	.	.	PUNCT
fbem-16462	73	1	the	the	DET
fbem-16462	73	2	investment	investment	NOUN
fbem-16462	73	3	ratio	ratio	NOUN
fbem-16462	73	4	of	of	ADP
fbem-16462	73	5	urban	urban	ADJ
fbem-16462	73	6	households	household	NOUN
fbem-16462	73	7	in	in	ADP
fbem-16462	73	8	financial	financial	ADJ
fbem-16462	73	9	products	product	NOUN
fbem-16462	73	10	is	be	AUX
fbem-16462	73	11	only	only	ADV
fbem-16462	73	12	4.1	4.1	NUM
fbem-16462	73	13	%	%	NOUN
fbem-16462	73	14	,	,	PUNCT
fbem-16462	73	15	and	and	CCONJ
fbem-16462	73	16	the	the	DET
fbem-16462	73	17	ratio	ratio	NOUN
fbem-16462	73	18	of	of	ADP
fbem-16462	73	19	stock	stock	NOUN
fbem-16462	73	20	investment	investment	NOUN
fbem-16462	73	21	is	be	AUX
fbem-16462	73	22	even	even	ADV
fbem-16462	73	23	less	less	ADJ
fbem-16462	73	24	.	.	PUNCT
fbem-16462	74	1	looking	look	VERB
fbem-16462	74	2	again	again	ADV
fbem-16462	74	3	at	at	ADP
fbem-16462	74	4	the	the	DET
fbem-16462	74	5	rate	rate	NOUN
fbem-16462	74	6	of	of	ADP
fbem-16462	74	7	investment	investment	NOUN
fbem-16462	74	8	in	in	ADP
fbem-16462	74	9	risky	risky	ADJ
fbem-16462	74	10	assets	asset	NOUN
fbem-16462	74	11	,	,	PUNCT
fbem-16462	74	12	roughly	roughly	ADV
fbem-16462	74	13	5	5	NUM
fbem-16462	74	14	%	%	NOUN
fbem-16462	74	15	of	of	ADP
fbem-16462	74	16	urban	urban	ADJ
fbem-16462	74	17	households	household	NOUN
fbem-16462	74	18	made	make	VERB
fbem-16462	74	19	this	this	DET
fbem-16462	74	20	investment	investment	NOUN
fbem-16462	74	21	.	.	PUNCT
fbem-16462	75	1	the	the	DET
fbem-16462	75	2	heads	head	NOUN
fbem-16462	75	3	of	of	ADP
fbem-16462	75	4	residential	residential	ADJ
fbem-16462	75	5	households	household	NOUN
fbem-16462	75	6	are	be	AUX
fbem-16462	75	7	predominantly	predominantly	ADV
fbem-16462	75	8	male	male	ADJ
fbem-16462	75	9	at	at	ADP
fbem-16462	75	10	74.5	74.5	NUM
fbem-16462	75	11	%	%	NOUN
fbem-16462	75	12	,	,	PUNCT
fbem-16462	75	13	the	the	DET
fbem-16462	75	14	average	average	ADJ
fbem-16462	75	15	age	age	NOUN
fbem-16462	75	16	of	of	ADP
fbem-16462	75	17	the	the	DET
fbem-16462	75	18	head	head	NOUN
fbem-16462	75	19	of	of	ADP
fbem-16462	75	20	household	household	NOUN
fbem-16462	75	21	is	be	AUX
fbem-16462	75	22	47.54	47.54	NUM
fbem-16462	75	23	years	year	NOUN
fbem-16462	75	24	,	,	PUNCT
fbem-16462	75	25	and	and	CCONJ
fbem-16462	75	26	the	the	DET
fbem-16462	75	27	mean	mean	ADJ
fbem-16462	75	28	value	value	NOUN
fbem-16462	75	29	of	of	ADP
fbem-16462	75	30	the	the	DET
fbem-16462	75	31	risk	risk	NOUN
fbem-16462	75	32	appetite	appetite	NOUN
fbem-16462	75	33	level	level	NOUN
fbem-16462	75	34	of	of	ADP
fbem-16462	75	35	the	the	DET
fbem-16462	75	36	risk	risk	NOUN
fbem-16462	75	37	appetite	appetite	NOUN
fbem-16462	75	38	level	level	NOUN
fbem-16462	75	39	of	of	ADP
fbem-16462	75	40	the	the	DET
fbem-16462	75	41	households	household	NOUN
fbem-16462	75	42	is	be	AUX
fbem-16462	75	43	4.083	4.083	NUM
fbem-16462	75	44	,	,	PUNCT
fbem-16462	75	45	implying	imply	VERB
fbem-16462	75	46	that	that	SCONJ
fbem-16462	75	47	the	the	DET
fbem-16462	75	48	risk	risk	NOUN
fbem-16462	75	49	appetite	appetite	NOUN
fbem-16462	75	50	level	level	NOUN
fbem-16462	75	51	of	of	ADP
fbem-16462	75	52	urban	urban	ADJ
fbem-16462	75	53	households	household	NOUN
fbem-16462	75	54	is	be	AUX
fbem-16462	75	55	generally	generally	ADV
fbem-16462	75	56	low	low	ADJ
fbem-16462	75	57	.	.	PUNCT
fbem-16462	76	1	the	the	DET
fbem-16462	76	2	mean	mean	ADJ
fbem-16462	76	3	value	value	NOUN
fbem-16462	76	4	of	of	ADP
fbem-16462	76	5	the	the	DET
fbem-16462	76	6	variable	variable	ADJ
fbem-16462	76	7	household	household	NOUN
fbem-16462	76	8	size	size	NOUN
fbem-16462	76	9	is	be	AUX
fbem-16462	76	10	3.397	3.397	NUM
fbem-16462	76	11	,	,	PUNCT
fbem-16462	76	12	which	which	PRON
fbem-16462	76	13	shows	show	VERB
fbem-16462	76	14	that	that	SCONJ
fbem-16462	76	15	most	most	ADJ
fbem-16462	76	16	of	of	ADP
fbem-16462	76	17	the	the	DET
fbem-16462	76	18	sample	sample	NOUN
fbem-16462	76	19	households	household	NOUN
fbem-16462	76	20	are	be	AUX
fbem-16462	76	21	three	three	NUM
fbem-16462	76	22	-	-	PUNCT
fbem-16462	76	23	member	member	NOUN
fbem-16462	76	24	households	household	NOUN
fbem-16462	76	25	,	,	PUNCT
fbem-16462	76	26	and	and	CCONJ
fbem-16462	76	27	the	the	DET
fbem-16462	76	28	sample	sample	NOUN
fbem-16462	76	29	household	household	NOUN
fbem-16462	76	30	indebtedness	indebtedness	NOUN
fbem-16462	76	31	is	be	AUX
fbem-16462	76	32	18.5	18.5	NUM
fbem-16462	76	33	%	%	NOUN
fbem-16462	76	34	on	on	ADP
fbem-16462	76	35	average	average	ADJ
fbem-16462	76	36	.	.	PUNCT
fbem-16462	77	1	3.3	3.3	NUM
fbem-16462	77	2	.	.	PUNCT
fbem-16462	78	1	model	model	NOUN
fbem-16462	78	2	setup	setup	PROPN
fbem-16462	78	3	3.3.1	3.3.1	NUM
fbem-16462	78	4	.	.	PUNCT
fbem-16462	78	5	benchmark	benchmark	NOUN
fbem-16462	78	6	model	model	NOUN
fbem-16462	78	7	when	when	SCONJ
fbem-16462	78	8	examining	examine	VERB
fbem-16462	78	9	the	the	DET
fbem-16462	78	10	impact	impact	NOUN
fbem-16462	78	11	of	of	ADP
fbem-16462	78	12	paying	pay	VERB
fbem-16462	78	13	provident	provident	ADJ
fbem-16462	78	14	fund	fund	NOUN
fbem-16462	78	15	on	on	ADP
fbem-16462	78	16	urban	urban	ADJ
fbem-16462	78	17	households	household	NOUN
fbem-16462	78	18	’	'	PUNCT
fbem-16462	78	19	investment	investment	NOUN
fbem-16462	78	20	in	in	ADP
fbem-16462	78	21	risky	risky	ADJ
fbem-16462	78	22	assets	asset	NOUN
fbem-16462	78	23	,	,	PUNCT
fbem-16462	78	24	since	since	SCONJ
fbem-16462	78	25	the	the	DET
fbem-16462	78	26	explanatory	explanatory	ADJ
fbem-16462	78	27	variables	variable	NOUN
fbem-16462	78	28	of	of	ADP
fbem-16462	78	29	financial	financial	ADJ
fbem-16462	78	30	products	product	NOUN
fbem-16462	78	31	and	and	CCONJ
fbem-16462	78	32	risky	risky	ADJ
fbem-16462	78	33	asset	asset	NOUN
fbem-16462	78	34	investment	investment	NOUN
fbem-16462	78	35	ratio	ratio	NOUN
fbem-16462	78	36	take	take	VERB
fbem-16462	78	37	values	value	NOUN
fbem-16462	78	38	in	in	ADP
fbem-16462	78	39	the	the	DET
fbem-16462	78	40	range	range	NOUN
fbem-16462	78	41	of	of	ADP
fbem-16462	78	42	0	0	NUM
fbem-16462	78	43	to	to	PART
fbem-16462	78	44	1	1	NUM
fbem-16462	78	45	,	,	PUNCT
fbem-16462	78	46	the	the	DET
fbem-16462	78	47	data	datum	NOUN
fbem-16462	78	48	are	be	AUX
fbem-16462	78	49	truncated	truncate	VERB
fbem-16462	78	50	,	,	PUNCT
fbem-16462	78	51	based	base	VERB
fbem-16462	78	52	on	on	ADP
fbem-16462	78	53	the	the	DET
fbem-16462	78	54	data	data	NOUN
fbem-16462	78	55	characteristics	characteristic	NOUN
fbem-16462	78	56	of	of	ADP
fbem-16462	78	57	this	this	DET
fbem-16462	78	58	paper	paper	NOUN
fbem-16462	78	59	,	,	PUNCT
fbem-16462	78	60	we	we	PRON
fbem-16462	78	61	choose	choose	VERB
fbem-16462	78	62	to	to	PART
fbem-16462	78	63	use	use	VERB
fbem-16462	78	64	tobit	tobit	NOUN
fbem-16462	78	65	model	model	NOUN
fbem-16462	78	66	to	to	PART
fbem-16462	78	67	conduct	conduct	VERB
fbem-16462	78	68	the	the	DET
fbem-16462	78	69	benchmark	benchmark	NOUN
fbem-16462	78	70	regression	regression	NOUN
fbem-16462	78	71	:	:	PUNCT
fbem-16462	78	72	y*j	y*j	PROPN
fbem-16462	78	73	=	=	PROPN
fbem-16462	78	74	α+β×hpf+γ×control+ε	α+β×hpf+γ×control+ε	PROPN
fbem-16462	78	75	,	,	PUNCT
fbem-16462	78	76	yj	yj	PROPN
fbem-16462	78	77	=	=	NOUN
fbem-16462	78	78	max(0,y*j	max(0,y*j	NOUN
fbem-16462	78	79	)	)	PUNCT
fbem-16462	78	80	,	,	PUNCT
fbem-16462	78	81	(	(	PUNCT
fbem-16462	78	82	1	1	X
fbem-16462	78	83	)	)	PUNCT
fbem-16462	78	84	where	where	SCONJ
fbem-16462	78	85	yj	yj	PROPN
fbem-16462	78	86	denotes	denote	VERB
fbem-16462	78	87	the	the	DET
fbem-16462	78	88	actual	actual	ADJ
fbem-16462	78	89	observed	observed	ADJ
fbem-16462	78	90	value	value	NOUN
fbem-16462	78	91	of	of	ADP
fbem-16462	78	92	the	the	DET
fbem-16462	78	93	investment	investment	NOUN
fbem-16462	78	94	ratio	ratio	NOUN
fbem-16462	78	95	of	of	ADP
fbem-16462	78	96	financial	financial	ADJ
fbem-16462	78	97	products	product	NOUN
fbem-16462	78	98	and	and	CCONJ
fbem-16462	78	99	risky	risky	ADJ
fbem-16462	78	100	assets	asset	NOUN
fbem-16462	78	101	of	of	ADP
fbem-16462	78	102	household	household	PROPN
fbem-16462	78	103	j	j	PROPN
fbem-16462	78	104	,	,	PUNCT
fbem-16462	78	105	with	with	ADP
fbem-16462	78	106	the	the	DET
fbem-16462	78	107	value	value	NOUN
fbem-16462	78	108	range	range	NOUN
fbem-16462	78	109	of	of	ADP
fbem-16462	78	110	[	[	X
fbem-16462	78	111	0,1	0,1	NUM
fbem-16462	78	112	]	]	PUNCT
fbem-16462	78	113	;	;	PUNCT
fbem-16462	78	114	yj	yj	PROPN
fbem-16462	78	115	*	*	PROPN
fbem-16462	78	116	denotes	denote	VERB
fbem-16462	78	117	the	the	DET
fbem-16462	78	118	value	value	NOUN
fbem-16462	78	119	of	of	ADP
fbem-16462	78	120	the	the	DET
fbem-16462	78	121	investment	investment	NOUN
fbem-16462	78	122	ratio	ratio	NOUN
fbem-16462	78	123	of	of	ADP
fbem-16462	78	124	financial	financial	ADJ
fbem-16462	78	125	products	product	NOUN
fbem-16462	78	126	and	and	CCONJ
fbem-16462	78	127	risky	risky	ADJ
fbem-16462	78	128	141	141	NUM
fbem-16462	78	129	assets	asset	NOUN
fbem-16462	78	130	of	of	ADP
fbem-16462	78	131	household	household	NOUN
fbem-16462	78	132	j	j	PROPN
fbem-16462	78	133	that	that	PRON
fbem-16462	78	134	is	be	AUX
fbem-16462	78	135	greater	great	ADJ
fbem-16462	78	136	than	than	ADP
fbem-16462	78	137	zero	zero	NUM
fbem-16462	78	138	;	;	PUNCT
fbem-16462	78	139	hpf	hpf	NOUN
fbem-16462	78	140	is	be	AUX
fbem-16462	78	141	the	the	DET
fbem-16462	78	142	core	core	ADJ
fbem-16462	78	143	explanatory	explanatory	ADJ
fbem-16462	78	144	variable	variable	NOUN
fbem-16462	78	145	,	,	PUNCT
fbem-16462	78	146	whether	whether	SCONJ
fbem-16462	78	147	or	or	CCONJ
fbem-16462	78	148	not	not	PART
fbem-16462	78	149	the	the	DET
fbem-16462	78	150	household	household	NOUN
fbem-16462	78	151	holds	hold	VERB
fbem-16462	78	152	a	a	DET
fbem-16462	78	153	housing	housing	NOUN
fbem-16462	78	154	provident	provident	ADJ
fbem-16462	78	155	fund	fund	NOUN
fbem-16462	78	156	;	;	PUNCT
fbem-16462	78	157	and	and	CCONJ
fbem-16462	78	158	control	control	NOUN
fbem-16462	78	159	is	be	AUX
fbem-16462	78	160	the	the	DET
fbem-16462	78	161	selected	select	VERB
fbem-16462	78	162	control	control	NOUN
fbem-16462	78	163	variable	variable	NOUN
fbem-16462	78	164	,	,	PUNCT
fbem-16462	78	165	ε	ε	PROPN
fbem-16462	78	166	~	~	SYM
fbem-16462	78	167	n	n	X
fbem-16462	78	168	(	(	PUNCT
fbem-16462	78	169	0	0	NUM
fbem-16462	78	170	,	,	PUNCT
fbem-16462	78	171	σ2	σ2	NOUN
fbem-16462	78	172	)	)	PUNCT
fbem-16462	78	173	.	.	PUNCT
fbem-16462	79	1	table	table	NOUN
fbem-16462	79	2	1	1	NUM
fbem-16462	79	3	description	description	NOUN
fbem-16462	79	4	statistics	statistic	NOUN
fbem-16462	79	5	of	of	ADP
fbem-16462	79	6	sample	sample	NOUN
fbem-16462	79	7	households	household	NOUN
fbem-16462	79	8	variable	variable	ADJ
fbem-16462	79	9	name	name	NOUN
fbem-16462	79	10	variable	variable	ADJ
fbem-16462	79	11	definition	definition	NOUN
fbem-16462	79	12	number	number	NOUN
fbem-16462	79	13	of	of	ADP
fbem-16462	79	14	observations	observation	NOUN
fbem-16462	79	15	average	average	ADJ
fbem-16462	79	16	value	value	NOUN
fbem-16462	79	17	standard	standard	ADJ
fbem-16462	79	18	deviation	deviation	NOUN
fbem-16462	79	19	hpf	hpf	PROPN
fbem-16462	79	20	housing	housing	PROPN
fbem-16462	79	21	provident	provident	PROPN
fbem-16462	79	22	fund	fund	NOUN
fbem-16462	79	23	holdings	holding	NOUN
fbem-16462	79	24	8,977	8,977	NUM
fbem-16462	79	25	0.358	0.358	NUM
fbem-16462	79	26	0.479	0.479	NUM
fbem-16462	79	27	fp	fp	ADJ
fbem-16462	79	28	-	-	PUNCT
fbem-16462	79	29	ratio	ratio	NOUN
fbem-16462	79	30	investment	investment	NOUN
fbem-16462	79	31	ratio	ratio	NOUN
fbem-16462	79	32	of	of	ADP
fbem-16462	79	33	financial	financial	ADJ
fbem-16462	79	34	products	product	NOUN
fbem-16462	79	35	8,977	8,977	NUM
fbem-16462	79	36	0.041	0.041	NUM
fbem-16462	79	37	0.127	0.127	NUM
fbem-16462	79	38	risk	risk	NOUN
fbem-16462	79	39	-	-	PUNCT
fbem-16462	79	40	ratio	ratio	NOUN
fbem-16462	79	41	risky	risky	ADJ
fbem-16462	79	42	assets	asset	NOUN
fbem-16462	79	43	investment	investment	NOUN
fbem-16462	79	44	ratio	ratio	NOUN
fbem-16462	79	45	8,977	8,977	NUM
fbem-16462	79	46	0.050	0.050	NUM
fbem-16462	79	47	0.142	0.142	NUM
fbem-16462	79	48	gender	gender	NOUN
fbem-16462	79	49	sex	sex	NOUN
fbem-16462	79	50	of	of	ADP
fbem-16462	79	51	head	head	NOUN
fbem-16462	79	52	of	of	ADP
fbem-16462	79	53	household	household	NOUN
fbem-16462	79	54	8,977	8,977	NUM
fbem-16462	79	55	0.745	0.745	NUM
fbem-16462	79	56	0.436	0.436	NUM
fbem-16462	79	57	age	age	NOUN
fbem-16462	79	58	age	age	NOUN
fbem-16462	79	59	of	of	ADP
fbem-16462	79	60	head	head	NOUN
fbem-16462	79	61	of	of	ADP
fbem-16462	79	62	household	household	NOUN
fbem-16462	79	63	8,977	8,977	NUM
fbem-16462	79	64	47.540	47.540	NUM
fbem-16462	79	65	10.45	10.45	NUM
fbem-16462	79	66	age2	age2	NOUN
fbem-16462	79	67	squared	square	VERB
fbem-16462	79	68	age	age	NOUN
fbem-16462	79	69	of	of	ADP
fbem-16462	79	70	head	head	NOUN
fbem-16462	79	71	of	of	ADP
fbem-16462	79	72	household	household	NOUN
fbem-16462	79	73	8,977	8,977	NUM
fbem-16462	79	74	2370.000	2370.000	NUM
fbem-16462	79	75	968.8	968.8	NUM
fbem-16462	79	76	risk	risk	NOUN
fbem-16462	79	77	-	-	PUNCT
fbem-16462	79	78	like	like	ADJ
fbem-16462	79	79	household	household	NOUN
fbem-16462	79	80	head	head	NOUN
fbem-16462	79	81	risk	risk	NOUN
fbem-16462	79	82	appetite	appetite	NOUN
fbem-16462	79	83	8,977	8,977	NUM
fbem-16462	79	84	4.083	4.083	NUM
fbem-16462	79	85	1.093	1.093	NUM
fbem-16462	79	86	marriage	marriage	NOUN
fbem-16462	79	87	marital	marital	ADJ
fbem-16462	79	88	status	status	NOUN
fbem-16462	79	89	of	of	ADP
fbem-16462	79	90	head	head	NOUN
fbem-16462	79	91	of	of	ADP
fbem-16462	79	92	household	household	NOUN
fbem-16462	79	93	8,975	8,975	NUM
fbem-16462	79	94	2.175	2.175	NUM
fbem-16462	79	95	0.846	0.846	NUM
fbem-16462	79	96	house	house	PROPN
fbem-16462	79	97	family	family	NOUN
fbem-16462	79	98	housing	housing	NOUN
fbem-16462	79	99	properties	property	NOUN
fbem-16462	79	100	8,977	8,977	NUM
fbem-16462	79	101	1.105	1.105	NUM
fbem-16462	79	102	0.307	0.307	NUM
fbem-16462	79	103	family	family	NOUN
fbem-16462	79	104	-	-	PUNCT
fbem-16462	79	105	size	size	NOUN
fbem-16462	79	106	family	family	NOUN
fbem-16462	79	107	size	size	NOUN
fbem-16462	79	108	8,977	8,977	NUM
fbem-16462	79	109	3.397	3.397	NUM
fbem-16462	79	110	1.402	1.402	NUM
fbem-16462	79	111	debt	debt	NOUN
fbem-16462	79	112	-	-	PUNCT
fbem-16462	79	113	ratio	ratio	NOUN
fbem-16462	79	114	household	household	NOUN
fbem-16462	79	115	indebtedness	indebtedness	NOUN
fbem-16462	79	116	8,977	8,977	NUM
fbem-16462	79	117	0.185	0.185	NUM
fbem-16462	79	118	2.004	2.004	NUM
fbem-16462	79	119	expectation	expectation	NOUN
fbem-16462	79	120	future	future	ADJ
fbem-16462	79	121	expectations	expectation	NOUN
fbem-16462	79	122	8,975	8,975	NUM
fbem-16462	79	123	5.366	5.366	NUM
fbem-16462	79	124	3.784	3.784	NUM
fbem-16462	79	125	happiness	happiness	NOUN
fbem-16462	79	126	sense	sense	NOUN
fbem-16462	79	127	of	of	ADP
fbem-16462	79	128	well	well	ADV
fbem-16462	79	129	-	-	PUNCT
fbem-16462	79	130	being	be	AUX
fbem-16462	79	131	8,974	8,974	NUM
fbem-16462	79	132	0.954	0.954	NUM
fbem-16462	79	133	0.211	0.211	NUM
fbem-16462	79	134	wealth	wealth	NOUN
fbem-16462	79	135	_	_	PUNCT
fbem-16462	80	1	family	family	NOUN
fbem-16462	80	2	property	property	NOUN
fbem-16462	80	3	7,967	7,967	NUM
fbem-16462	80	4	12.190	12.190	NUM
fbem-16462	80	5	1.402	1.402	NUM
fbem-16462	80	6	3.3.2	3.3.2	NUM
fbem-16462	80	7	.	.	PUNCT
fbem-16462	81	1	mediating	mediate	VERB
fbem-16462	81	2	effects	effect	NOUN
fbem-16462	81	3	model	model	NOUN
fbem-16462	81	4	after	after	ADP
fbem-16462	81	5	the	the	DET
fbem-16462	81	6	benchmark	benchmark	NOUN
fbem-16462	81	7	regression	regression	NOUN
fbem-16462	81	8	,	,	PUNCT
fbem-16462	81	9	in	in	ADP
fbem-16462	81	10	order	order	NOUN
fbem-16462	81	11	to	to	PART
fbem-16462	81	12	deeply	deeply	ADV
fbem-16462	81	13	explore	explore	VERB
fbem-16462	81	14	the	the	DET
fbem-16462	81	15	path	path	NOUN
fbem-16462	81	16	of	of	ADP
fbem-16462	81	17	the	the	DET
fbem-16462	81	18	impact	impact	NOUN
fbem-16462	81	19	of	of	ADP
fbem-16462	81	20	housing	housing	PROPN
fbem-16462	81	21	provident	provident	ADJ
fbem-16462	81	22	fund	fund	NOUN
fbem-16462	81	23	holdings	holding	NOUN
fbem-16462	81	24	on	on	ADP
fbem-16462	81	25	urban	urban	ADJ
fbem-16462	81	26	households	household	NOUN
fbem-16462	81	27	'	'	PART
fbem-16462	81	28	financial	financial	ADJ
fbem-16462	81	29	products	product	NOUN
fbem-16462	81	30	as	as	ADV
fbem-16462	81	31	well	well	ADV
fbem-16462	81	32	as	as	ADP
fbem-16462	81	33	investment	investment	NOUN
fbem-16462	81	34	in	in	ADP
fbem-16462	81	35	risky	risky	ADJ
fbem-16462	81	36	financial	financial	ADJ
fbem-16462	81	37	assets	asset	NOUN
fbem-16462	81	38	,	,	PUNCT
fbem-16462	81	39	this	this	DET
fbem-16462	81	40	paper	paper	NOUN
fbem-16462	81	41	adopts	adopt	VERB
fbem-16462	81	42	the	the	DET
fbem-16462	81	43	stepwise	stepwise	PROPN
fbem-16462	81	44	regression	regression	NOUN
fbem-16462	81	45	method	method	NOUN
fbem-16462	81	46	to	to	PART
fbem-16462	81	47	construct	construct	VERB
fbem-16462	81	48	the	the	DET
fbem-16462	81	49	following	follow	VERB
fbem-16462	81	50	mediation	mediation	NOUN
fbem-16462	81	51	effect	effect	NOUN
fbem-16462	81	52	model	model	NOUN
fbem-16462	81	53	with	with	ADP
fbem-16462	81	54	reference	reference	NOUN
fbem-16462	81	55	to	to	ADP
fbem-16462	81	56	the	the	DET
fbem-16462	81	57	study	study	NOUN
fbem-16462	81	58	of	of	ADP
fbem-16462	81	59	zhonglin	zhonglin	PROPN
fbem-16462	81	60	wen	wen	PROPN
fbem-16462	81	61	and	and	CCONJ
fbem-16462	81	62	baojuan	baojuan	PROPN
fbem-16462	81	63	ye	ye	INTJ
fbem-16462	81	64	(	(	PUNCT
fbem-16462	81	65	2014	2014	NUM
fbem-16462	81	66	):	):	PUNCT
fbem-16462	81	67	y	y	PROPN
fbem-16462	81	68	=	=	NOUN
fbem-16462	81	69	ao+a1x+a2control+μ1	ao+a1x+a2control+μ1	NOUN
fbem-16462	81	70	,	,	PUNCT
fbem-16462	81	71	(	(	PUNCT
fbem-16462	81	72	2	2	NUM
fbem-16462	81	73	)	)	PUNCT
fbem-16462	81	74	m=	m=	X
fbem-16462	81	75	βo+	βo+	ADJ
fbem-16462	81	76	β1x+β2control	β1x+β2control	PROPN
fbem-16462	82	1	+	+	NOUN
fbem-16462	82	2	μ2	μ2	NOUN
fbem-16462	82	3	,	,	PUNCT
fbem-16462	82	4	(	(	PUNCT
fbem-16462	82	5	3	3	X
fbem-16462	82	6	)	)	PUNCT
fbem-16462	82	7	y	y	PROPN
fbem-16462	82	8	=	=	PROPN
fbem-16462	82	9	γo+γ1x+γ2m+γ3control+μ3	γo+γ1x+γ2m+γ3control+μ3	PROPN
fbem-16462	82	10	,	,	PUNCT
fbem-16462	82	11	(	(	PUNCT
fbem-16462	82	12	4	4	X
fbem-16462	82	13	)	)	PUNCT
fbem-16462	82	14	where	where	SCONJ
fbem-16462	82	15	y	y	PROPN
fbem-16462	82	16	denotes	denote	VERB
fbem-16462	82	17	the	the	DET
fbem-16462	82	18	investment	investment	NOUN
fbem-16462	82	19	ratio	ratio	NOUN
fbem-16462	82	20	of	of	ADP
fbem-16462	82	21	urban	urban	ADJ
fbem-16462	82	22	households	household	NOUN
fbem-16462	82	23	in	in	ADP
fbem-16462	82	24	financial	financial	ADJ
fbem-16462	82	25	products	product	NOUN
fbem-16462	82	26	and	and	CCONJ
fbem-16462	82	27	the	the	DET
fbem-16462	82	28	investment	investment	NOUN
fbem-16462	82	29	ratio	ratio	NOUN
fbem-16462	82	30	of	of	ADP
fbem-16462	82	31	risky	risky	ADJ
fbem-16462	82	32	financial	financial	ADJ
fbem-16462	82	33	assets	asset	NOUN
fbem-16462	82	34	,	,	PUNCT
fbem-16462	82	35	x	x	X
fbem-16462	82	36	is	be	AUX
fbem-16462	82	37	whether	whether	SCONJ
fbem-16462	82	38	the	the	DET
fbem-16462	82	39	household	household	NOUN
fbem-16462	82	40	holds	hold	VERB
fbem-16462	82	41	housing	housing	NOUN
fbem-16462	82	42	provident	provident	ADJ
fbem-16462	82	43	fund	fund	NOUN
fbem-16462	82	44	,	,	PUNCT
fbem-16462	82	45	m	m	PROPN
fbem-16462	82	46	is	be	AUX
fbem-16462	82	47	the	the	DET
fbem-16462	82	48	mediator	mediator	NOUN
fbem-16462	82	49	variable	variable	NOUN
fbem-16462	82	50	,	,	PUNCT
fbem-16462	82	51	control	control	NOUN
fbem-16462	82	52	is	be	AUX
fbem-16462	82	53	the	the	DET
fbem-16462	82	54	control	control	NOUN
fbem-16462	82	55	variable	variable	NOUN
fbem-16462	82	56	,	,	PUNCT
fbem-16462	82	57	and	and	CCONJ
fbem-16462	82	58	μi	μi	NOUN
fbem-16462	82	59	is	be	AUX
fbem-16462	82	60	the	the	DET
fbem-16462	82	61	random	random	ADJ
fbem-16462	82	62	perturbation	perturbation	NOUN
fbem-16462	82	63	term	term	NOUN
fbem-16462	82	64	.	.	PUNCT
fbem-16462	83	1	3.3.3	3.3.3	X
fbem-16462	83	2	.	.	PUNCT
fbem-16462	83	3	moderating	moderate	VERB
fbem-16462	83	4	effects	effect	NOUN
fbem-16462	83	5	model	model	NOUN
fbem-16462	83	6	in	in	ADP
fbem-16462	83	7	order	order	NOUN
fbem-16462	83	8	to	to	PART
fbem-16462	83	9	explore	explore	VERB
fbem-16462	83	10	the	the	DET
fbem-16462	83	11	moderating	moderate	VERB
fbem-16462	83	12	effect	effect	NOUN
fbem-16462	83	13	of	of	ADP
fbem-16462	83	14	housing	housing	PROPN
fbem-16462	83	15	provident	provident	ADJ
fbem-16462	83	16	fund	fund	NOUN
fbem-16462	83	17	holdings	holding	NOUN
fbem-16462	83	18	on	on	ADP
fbem-16462	83	19	urban	urban	ADJ
fbem-16462	83	20	households	household	NOUN
fbem-16462	83	21	’	'	PUNCT
fbem-16462	83	22	investment	investment	NOUN
fbem-16462	83	23	in	in	ADP
fbem-16462	83	24	financial	financial	ADJ
fbem-16462	83	25	products	product	NOUN
fbem-16462	83	26	and	and	CCONJ
fbem-16462	83	27	investment	investment	NOUN
fbem-16462	83	28	in	in	ADP
fbem-16462	83	29	risky	risky	ADJ
fbem-16462	83	30	financial	financial	ADJ
fbem-16462	83	31	assets	asset	NOUN
fbem-16462	83	32	,	,	PUNCT
fbem-16462	83	33	this	this	DET
fbem-16462	83	34	paper	paper	NOUN
fbem-16462	83	35	constructs	construct	VERB
fbem-16462	83	36	the	the	DET
fbem-16462	83	37	following	follow	VERB
fbem-16462	83	38	moderating	moderate	VERB
fbem-16462	83	39	effect	effect	NOUN
fbem-16462	83	40	model	model	NOUN
fbem-16462	83	41	:	:	PUNCT
fbem-16462	83	42	y	y	PROPN
fbem-16462	83	43	=	=	PROPN
fbem-16462	83	44	c+c1x+c2w+c3xw+c4	c+c1x+c2w+c3xw+c4	PROPN
fbem-16462	83	45	control+	control+	ADP
fbem-16462	83	46	ν	ν	PROPN
fbem-16462	83	47	,	,	PUNCT
fbem-16462	83	48	(	(	PUNCT
fbem-16462	83	49	5	5	NUM
fbem-16462	83	50	)	)	PUNCT
fbem-16462	83	51	where	where	SCONJ
fbem-16462	83	52	y	y	PROPN
fbem-16462	83	53	and	and	CCONJ
fbem-16462	83	54	x	x	AUX
fbem-16462	83	55	have	have	VERB
fbem-16462	83	56	the	the	DET
fbem-16462	83	57	same	same	ADJ
fbem-16462	83	58	meaning	meaning	NOUN
fbem-16462	83	59	as	as	ADP
fbem-16462	83	60	above	above	ADV
fbem-16462	83	61	,	,	PUNCT
fbem-16462	83	62	w	w	PROPN
fbem-16462	83	63	is	be	AUX
fbem-16462	83	64	the	the	DET
fbem-16462	83	65	moderating	moderate	VERB
fbem-16462	83	66	variable	variable	NOUN
fbem-16462	83	67	,	,	PUNCT
fbem-16462	83	68	xw	xw	PROPN
fbem-16462	83	69	is	be	AUX
fbem-16462	83	70	the	the	DET
fbem-16462	83	71	interaction	interaction	NOUN
fbem-16462	83	72	term	term	NOUN
fbem-16462	83	73	between	between	ADP
fbem-16462	83	74	the	the	DET
fbem-16462	83	75	core	core	ADJ
fbem-16462	83	76	explanatory	explanatory	ADJ
fbem-16462	83	77	variable	variable	NOUN
fbem-16462	83	78	and	and	CCONJ
fbem-16462	83	79	the	the	DET
fbem-16462	83	80	moderating	moderate	VERB
fbem-16462	83	81	variable	variable	NOUN
fbem-16462	83	82	,	,	PUNCT
fbem-16462	83	83	and	and	CCONJ
fbem-16462	83	84	ν	ν	NOUN
fbem-16462	83	85	is	be	AUX
fbem-16462	83	86	the	the	DET
fbem-16462	83	87	random	random	ADJ
fbem-16462	83	88	perturbation	perturbation	NOUN
fbem-16462	83	89	term	term	NOUN
fbem-16462	83	90	.	.	PUNCT
fbem-16462	84	1	4	4	X
fbem-16462	84	2	.	.	X
fbem-16462	84	3	analysis	analysis	NOUN
fbem-16462	84	4	of	of	ADP
fbem-16462	84	5	empirical	empirical	ADJ
fbem-16462	84	6	findings	finding	NOUN
fbem-16462	84	7	4.1	4.1	NUM
fbem-16462	84	8	.	.	PUNCT
fbem-16462	85	1	benchmark	benchmark	NOUN
fbem-16462	85	2	regression	regression	NOUN
fbem-16462	85	3	results	result	NOUN
fbem-16462	85	4	according	accord	VERB
fbem-16462	85	5	to	to	ADP
fbem-16462	85	6	the	the	DET
fbem-16462	85	7	setting	setting	NOUN
fbem-16462	85	8	of	of	ADP
fbem-16462	85	9	model	model	NOUN
fbem-16462	85	10	(	(	PUNCT
fbem-16462	85	11	1	1	NUM
fbem-16462	85	12	)	)	PUNCT
fbem-16462	85	13	style	style	NOUN
fbem-16462	85	14	,	,	PUNCT
fbem-16462	85	15	this	this	DET
fbem-16462	85	16	paper	paper	NOUN
fbem-16462	85	17	adopts	adopt	VERB
fbem-16462	85	18	the	the	DET
fbem-16462	85	19	tobit	tobit	NOUN
fbem-16462	85	20	model	model	NOUN
fbem-16462	85	21	,	,	PUNCT
fbem-16462	85	22	and	and	CCONJ
fbem-16462	85	23	table	table	NOUN
fbem-16462	85	24	2	2	NUM
fbem-16462	85	25	below	below	ADV
fbem-16462	85	26	shows	show	VERB
fbem-16462	85	27	the	the	DET
fbem-16462	85	28	regression	regression	NOUN
fbem-16462	85	29	results	result	NOUN
fbem-16462	85	30	of	of	ADP
fbem-16462	85	31	the	the	DET
fbem-16462	85	32	model	model	NOUN
fbem-16462	85	33	,	,	PUNCT
fbem-16462	85	34	which	which	PRON
fbem-16462	85	35	estimates	estimate	VERB
fbem-16462	85	36	the	the	DET
fbem-16462	85	37	impact	impact	NOUN
fbem-16462	85	38	of	of	ADP
fbem-16462	85	39	housing	housing	PROPN
fbem-16462	85	40	provident	provident	ADJ
fbem-16462	85	41	fund	fund	NOUN
fbem-16462	85	42	on	on	ADP
fbem-16462	85	43	urban	urban	ADJ
fbem-16462	85	44	households	household	NOUN
fbem-16462	85	45	'	'	PART
fbem-16462	85	46	investment	investment	NOUN
fbem-16462	85	47	in	in	ADP
fbem-16462	85	48	financial	financial	ADJ
fbem-16462	85	49	products	product	NOUN
fbem-16462	85	50	and	and	CCONJ
fbem-16462	85	51	risky	risky	ADJ
fbem-16462	85	52	financial	financial	ADJ
fbem-16462	85	53	assets	asset	NOUN
fbem-16462	85	54	.	.	PUNCT
fbem-16462	86	1	in	in	ADP
fbem-16462	86	2	order	order	NOUN
fbem-16462	86	3	to	to	PART
fbem-16462	86	4	more	more	ADV
fbem-16462	86	5	intuitively	intuitively	ADV
fbem-16462	86	6	show	show	VERB
fbem-16462	86	7	the	the	DET
fbem-16462	86	8	economic	economic	ADJ
fbem-16462	86	9	implications	implication	NOUN
fbem-16462	86	10	of	of	ADP
fbem-16462	86	11	the	the	DET
fbem-16462	86	12	estimated	estimate	VERB
fbem-16462	86	13	coefficients	coefficient	NOUN
fbem-16462	86	14	of	of	ADP
fbem-16462	86	15	whether	whether	SCONJ
fbem-16462	86	16	urban	urban	ADJ
fbem-16462	86	17	households	household	NOUN
fbem-16462	86	18	hold	hold	VERB
fbem-16462	86	19	housing	housing	NOUN
fbem-16462	86	20	provident	provident	ADJ
fbem-16462	86	21	funds	fund	NOUN
fbem-16462	86	22	(	(	PUNCT
fbem-16462	86	23	hpf	hpf	NOUN
fbem-16462	86	24	)	)	PUNCT
fbem-16462	86	25	,	,	PUNCT
fbem-16462	86	26	table	table	NOUN
fbem-16462	86	27	2	2	NUM
fbem-16462	86	28	directly	directly	ADV
fbem-16462	86	29	shows	show	VERB
fbem-16462	86	30	the	the	DET
fbem-16462	86	31	marginal	marginal	ADJ
fbem-16462	86	32	coefficients	coefficient	NOUN
fbem-16462	86	33	of	of	ADP
fbem-16462	86	34	the	the	DET
fbem-16462	86	35	variables	variable	NOUN
fbem-16462	86	36	.	.	PUNCT
fbem-16462	87	1	in	in	ADP
fbem-16462	87	2	particular	particular	ADJ
fbem-16462	87	3	,	,	PUNCT
fbem-16462	87	4	columns	column	NOUN
fbem-16462	87	5	(	(	PUNCT
fbem-16462	87	6	1	1	NUM
fbem-16462	87	7	)	)	PUNCT
fbem-16462	87	8	and	and	CCONJ
fbem-16462	87	9	(	(	PUNCT
fbem-16462	87	10	9	9	X
fbem-16462	87	11	)	)	PUNCT
fbem-16462	87	12	of	of	ADP
fbem-16462	87	13	table	table	NOUN
fbem-16462	87	14	2include	2include	NUM
fbem-16462	87	15	only	only	ADV
fbem-16462	87	16	the	the	DET
fbem-16462	87	17	core	core	ADJ
fbem-16462	87	18	explanatory	explanatory	ADJ
fbem-16462	87	19	variables	variable	NOUN
fbem-16462	87	20	.	.	PUNCT
fbem-16462	88	1	the	the	DET
fbem-16462	88	2	estimation	estimation	NOUN
fbem-16462	88	3	results	result	VERB
fbem-16462	88	4	in	in	ADP
fbem-16462	88	5	both	both	DET
fbem-16462	88	6	columns	column	NOUN
fbem-16462	88	7	(	(	PUNCT
fbem-16462	88	8	1	1	NUM
fbem-16462	88	9	)	)	PUNCT
fbem-16462	88	10	and	and	CCONJ
fbem-16462	88	11	(	(	PUNCT
fbem-16462	88	12	3	3	X
fbem-16462	88	13	)	)	PUNCT
fbem-16462	88	14	show	show	VERB
fbem-16462	88	15	that	that	SCONJ
fbem-16462	88	16	the	the	DET
fbem-16462	88	17	coefficients	coefficient	NOUN
fbem-16462	88	18	on	on	ADP
fbem-16462	88	19	(	(	PUNCT
fbem-16462	88	20	hpf	hpf	NOUN
fbem-16462	88	21	)	)	PUNCT
fbem-16462	88	22	for	for	ADP
fbem-16462	88	23	the	the	DET
fbem-16462	88	24	core	core	NOUN
fbem-16462	88	25	explanatory	explanatory	ADJ
fbem-16462	88	26	variables	variable	NOUN
fbem-16462	88	27	are	be	AUX
fbem-16462	88	28	positive	positive	ADJ
fbem-16462	88	29	and	and	CCONJ
fbem-16462	88	30	significant	significant	ADJ
fbem-16462	88	31	at	at	ADP
fbem-16462	88	32	the	the	DET
fbem-16462	88	33	1	1	NUM
fbem-16462	88	34	%	%	NOUN
fbem-16462	88	35	level	level	NOUN
fbem-16462	88	36	.	.	PUNCT
fbem-16462	89	1	this	this	DET
fbem-16462	89	2	result	result	NOUN
fbem-16462	89	3	suggests	suggest	VERB
fbem-16462	89	4	that	that	SCONJ
fbem-16462	89	5	,	,	PUNCT
fbem-16462	89	6	given	give	VERB
fbem-16462	89	7	all	all	DET
fbem-16462	89	8	else	else	ADV
fbem-16462	89	9	being	be	AUX
fbem-16462	89	10	equal	equal	ADJ
fbem-16462	89	11	,	,	PUNCT
fbem-16462	89	12	the	the	DET
fbem-16462	89	13	holding	holding	NOUN
fbem-16462	89	14	of	of	ADP
fbem-16462	89	15	hpf	hpf	NOUN
fbem-16462	89	16	by	by	ADP
fbem-16462	89	17	urban	urban	ADJ
fbem-16462	89	18	households	household	NOUN
fbem-16462	89	19	increases	increase	VERB
fbem-16462	89	20	the	the	DET
fbem-16462	89	21	investment	investment	NOUN
fbem-16462	89	22	ratio	ratio	NOUN
fbem-16462	89	23	in	in	ADP
fbem-16462	89	24	financial	financial	ADJ
fbem-16462	89	25	products	product	NOUN
fbem-16462	89	26	as	as	ADV
fbem-16462	89	27	well	well	ADV
fbem-16462	89	28	as	as	ADP
fbem-16462	89	29	risky	risky	ADJ
fbem-16462	89	30	financial	financial	ADJ
fbem-16462	89	31	assets	asset	NOUN
fbem-16462	89	32	,	,	PUNCT
fbem-16462	89	33	thus	thus	ADV
fbem-16462	89	34	hypothesis	hypothesis	NOUN
fbem-16462	89	35	1	1	NUM
fbem-16462	89	36	is	be	AUX
fbem-16462	89	37	confirmed	confirm	VERB
fbem-16462	89	38	.	.	PUNCT
fbem-16462	90	1	columns	column	NOUN
fbem-16462	90	2	(	(	PUNCT
fbem-16462	90	3	2	2	NUM
fbem-16462	90	4	)	)	PUNCT
fbem-16462	90	5	and	and	CCONJ
fbem-16462	90	6	(	(	PUNCT
fbem-16462	90	7	4	4	X
fbem-16462	90	8	)	)	PUNCT
fbem-16462	90	9	incorporate	incorporate	VERB
fbem-16462	90	10	other	other	ADJ
fbem-16462	90	11	control	control	NOUN
fbem-16462	90	12	variables	variable	NOUN
fbem-16462	90	13	such	such	ADJ
fbem-16462	90	14	as	as	ADP
fbem-16462	90	15	the	the	DET
fbem-16462	90	16	gender	gender	NOUN
fbem-16462	90	17	of	of	ADP
fbem-16462	90	18	the	the	DET
fbem-16462	90	19	household	household	NOUN
fbem-16462	90	20	head	head	NOUN
fbem-16462	90	21	.	.	PUNCT
fbem-16462	91	1	as	as	SCONJ
fbem-16462	91	2	can	can	AUX
fbem-16462	91	3	be	be	AUX
fbem-16462	91	4	seen	see	VERB
fbem-16462	91	5	from	from	ADP
fbem-16462	91	6	the	the	DET
fbem-16462	91	7	results	result	NOUN
fbem-16462	91	8	demonstrated	demonstrate	VERB
fbem-16462	91	9	in	in	ADP
fbem-16462	91	10	table	table	NOUN
fbem-16462	91	11	2	2	NUM
fbem-16462	91	12	,	,	PUNCT
fbem-16462	91	13	the	the	DET
fbem-16462	91	14	coefficient	coefficient	NOUN
fbem-16462	91	15	value	value	NOUN
fbem-16462	91	16	of	of	ADP
fbem-16462	91	17	the	the	DET
fbem-16462	91	18	core	core	ADJ
fbem-16462	91	19	explanatory	explanatory	ADJ
fbem-16462	91	20	variable	variable	ADJ
fbem-16462	91	21	hpf	hpf	PROPN
fbem-16462	91	22	decreases	decrease	VERB
fbem-16462	91	23	slightly	slightly	ADV
fbem-16462	91	24	from	from	ADP
fbem-16462	91	25	the	the	DET
fbem-16462	91	26	previous	previous	ADJ
fbem-16462	91	27	column	column	NOUN
fbem-16462	91	28	after	after	ADP
fbem-16462	91	29	the	the	DET
fbem-16462	91	30	addition	addition	NOUN
fbem-16462	91	31	of	of	ADP
fbem-16462	91	32	the	the	DET
fbem-16462	91	33	control	control	NOUN
fbem-16462	91	34	variables	variable	NOUN
fbem-16462	91	35	,	,	PUNCT
fbem-16462	91	36	but	but	CCONJ
fbem-16462	91	37	it	it	PRON
fbem-16462	91	38	is	be	AUX
fbem-16462	91	39	still	still	ADV
fbem-16462	91	40	significant	significant	ADJ
fbem-16462	91	41	at	at	ADP
fbem-16462	91	42	the	the	DET
fbem-16462	91	43	1	1	NUM
fbem-16462	91	44	%	%	NOUN
fbem-16462	91	45	level	level	NOUN
fbem-16462	91	46	.	.	PUNCT
fbem-16462	92	1	this	this	PRON
fbem-16462	92	2	indicates	indicate	VERB
fbem-16462	92	3	that	that	SCONJ
fbem-16462	92	4	the	the	DET
fbem-16462	92	5	positive	positive	ADJ
fbem-16462	92	6	impact	impact	NOUN
fbem-16462	92	7	of	of	ADP
fbem-16462	92	8	holding	hold	VERB
fbem-16462	92	9	hpf	hpf	NOUN
fbem-16462	92	10	on	on	ADP
fbem-16462	92	11	the	the	DET
fbem-16462	92	12	investment	investment	NOUN
fbem-16462	92	13	ratio	ratio	NOUN
fbem-16462	92	14	of	of	ADP
fbem-16462	92	15	urban	urban	ADJ
fbem-16462	92	16	households	household	NOUN
fbem-16462	92	17	in	in	ADP
fbem-16462	92	18	financial	financial	ADJ
fbem-16462	92	19	products	product	NOUN
fbem-16462	92	20	as	as	ADV
fbem-16462	92	21	well	well	ADV
fbem-16462	92	22	as	as	ADP
fbem-16462	92	23	risky	risky	ADJ
fbem-16462	92	24	financial	financial	ADJ
fbem-16462	92	25	assets	asset	NOUN
fbem-16462	92	26	does	do	AUX
fbem-16462	92	27	not	not	PART
fbem-16462	92	28	change	change	VERB
fbem-16462	92	29	with	with	ADP
fbem-16462	92	30	the	the	DET
fbem-16462	92	31	characteristic	characteristic	ADJ
fbem-16462	92	32	variables	variable	NOUN
fbem-16462	92	33	and	and	CCONJ
fbem-16462	92	34	the	the	DET
fbem-16462	92	35	results	result	NOUN
fbem-16462	92	36	are	be	AUX
fbem-16462	92	37	relatively	relatively	ADV
fbem-16462	92	38	robust	robust	ADJ
fbem-16462	92	39	.	.	PUNCT
fbem-16462	93	1	after	after	ADP
fbem-16462	93	2	adding	add	VERB
fbem-16462	93	3	control	control	NOUN
fbem-16462	93	4	variables	variable	NOUN
fbem-16462	93	5	,	,	PUNCT
fbem-16462	93	6	the	the	DET
fbem-16462	93	7	marginal	marginal	ADJ
fbem-16462	93	8	effect	effect	NOUN
fbem-16462	93	9	of	of	ADP
fbem-16462	93	10	whether	whether	SCONJ
fbem-16462	93	11	or	or	CCONJ
fbem-16462	93	12	not	not	PART
fbem-16462	93	13	holding	hold	VERB
fbem-16462	93	14	housing	housing	NOUN
fbem-16462	93	15	provident	provident	ADJ
fbem-16462	93	16	fund	fund	NOUN
fbem-16462	93	17	(	(	PUNCT
fbem-16462	93	18	hpf	hpf	NOUN
fbem-16462	93	19	)	)	PUNCT
fbem-16462	93	20	on	on	ADP
fbem-16462	93	21	the	the	DET
fbem-16462	93	22	investment	investment	NOUN
fbem-16462	93	23	ratio	ratio	NOUN
fbem-16462	93	24	of	of	ADP
fbem-16462	93	25	urban	urban	ADJ
fbem-16462	93	26	households	household	NOUN
fbem-16462	93	27	in	in	ADP
fbem-16462	93	28	financial	financial	ADJ
fbem-16462	93	29	products	product	NOUN
fbem-16462	93	30	is	be	AUX
fbem-16462	93	31	2.8	2.8	NUM
fbem-16462	93	32	%	%	NOUN
fbem-16462	93	33	,	,	PUNCT
fbem-16462	93	34	and	and	CCONJ
fbem-16462	93	35	the	the	DET
fbem-16462	93	36	marginal	marginal	ADJ
fbem-16462	93	37	effect	effect	NOUN
fbem-16462	93	38	on	on	ADP
fbem-16462	93	39	the	the	DET
fbem-16462	93	40	investment	investment	NOUN
fbem-16462	93	41	ratio	ratio	NOUN
fbem-16462	93	42	of	of	ADP
fbem-16462	93	43	urban	urban	ADJ
fbem-16462	93	44	households	household	NOUN
fbem-16462	93	45	in	in	ADP
fbem-16462	93	46	risky	risky	ADJ
fbem-16462	93	47	assets	asset	NOUN
fbem-16462	93	48	is	be	AUX
fbem-16462	93	49	3.6	3.6	NUM
fbem-16462	93	50	%	%	NOUN
fbem-16462	93	51	,	,	PUNCT
fbem-16462	93	52	which	which	PRON
fbem-16462	93	53	are	be	AUX
fbem-16462	93	54	both	both	ADV
fbem-16462	93	55	significant	significant	ADJ
fbem-16462	93	56	at	at	ADP
fbem-16462	93	57	the	the	DET
fbem-16462	93	58	1	1	NUM
fbem-16462	93	59	%	%	NOUN
fbem-16462	93	60	level	level	NOUN
fbem-16462	93	61	.	.	PUNCT
fbem-16462	94	1	analyzing	analyze	VERB
fbem-16462	94	2	the	the	DET
fbem-16462	94	3	results	result	NOUN
fbem-16462	94	4	of	of	ADP
fbem-16462	94	5	the	the	DET
fbem-16462	94	6	other	other	ADJ
fbem-16462	94	7	variables	variable	NOUN
fbem-16462	94	8	,	,	PUNCT
fbem-16462	94	9	it	it	PRON
fbem-16462	94	10	can	can	AUX
fbem-16462	94	11	be	be	AUX
fbem-16462	94	12	concluded	conclude	VERB
fbem-16462	94	13	that	that	SCONJ
fbem-16462	94	14	the	the	DET
fbem-16462	94	15	effect	effect	NOUN
fbem-16462	94	16	of	of	ADP
fbem-16462	94	17	male	male	NOUN
fbem-16462	94	18	-	-	PUNCT
fbem-16462	94	19	headed	head	VERB
fbem-16462	94	20	households	household	NOUN
fbem-16462	94	21	on	on	ADP
fbem-16462	94	22	the	the	DET
fbem-16462	94	23	investment	investment	NOUN
fbem-16462	94	24	ratios	ratio	NOUN
fbem-16462	94	25	of	of	ADP
fbem-16462	94	26	financial	financial	ADJ
fbem-16462	94	27	products	product	NOUN
fbem-16462	94	28	and	and	CCONJ
fbem-16462	94	29	risky	risky	ADJ
fbem-16462	94	30	assets	asset	NOUN
fbem-16462	94	31	is	be	AUX
fbem-16462	94	32	significantly	significantly	ADV
fbem-16462	94	33	negative	negative	ADJ
fbem-16462	94	34	at	at	ADP
fbem-16462	94	35	the	the	DET
fbem-16462	94	36	1	1	NUM
fbem-16462	94	37	%	%	NOUN
fbem-16462	94	38	level	level	NOUN
fbem-16462	94	39	,	,	PUNCT
fbem-16462	94	40	which	which	PRON
fbem-16462	94	41	is	be	AUX
fbem-16462	94	42	consistent	consistent	ADJ
fbem-16462	94	43	with	with	ADP
fbem-16462	94	44	the	the	DET
fbem-16462	94	45	findings	finding	NOUN
fbem-16462	94	46	of	of	ADP
fbem-16462	94	47	previous	previous	ADJ
fbem-16462	94	48	studies	study	NOUN
fbem-16462	94	49	.	.	PUNCT
fbem-16462	95	1	the	the	DET
fbem-16462	95	2	marginal	marginal	ADJ
fbem-16462	95	3	effect	effect	NOUN
fbem-16462	95	4	of	of	ADP
fbem-16462	95	5	the	the	DET
fbem-16462	95	6	age	age	NOUN
fbem-16462	95	7	of	of	ADP
fbem-16462	95	8	the	the	DET
fbem-16462	95	9	head	head	NOUN
fbem-16462	95	10	of	of	ADP
fbem-16462	95	11	household	household	NOUN
fbem-16462	95	12	and	and	CCONJ
fbem-16462	95	13	the	the	DET
fbem-16462	95	14	square	square	NOUN
fbem-16462	95	15	of	of	ADP
fbem-16462	95	16	age	age	NOUN
fbem-16462	95	17	is	be	AUX
fbem-16462	95	18	also	also	ADV
fbem-16462	95	19	significantly	significantly	ADV
fbem-16462	95	20	negative	negative	ADJ
fbem-16462	95	21	at	at	ADP
fbem-16462	95	22	the	the	DET
fbem-16462	95	23	1	1	NUM
fbem-16462	95	24	%	%	NOUN
fbem-16462	95	25	level	level	NOUN
fbem-16462	95	26	.	.	PUNCT
fbem-16462	96	1	the	the	DET
fbem-16462	96	2	marginal	marginal	ADJ
fbem-16462	96	3	effects	effect	NOUN
fbem-16462	96	4	of	of	ADP
fbem-16462	96	5	the	the	DET
fbem-16462	96	6	degree	degree	NOUN
fbem-16462	96	7	of	of	ADP
fbem-16462	96	8	risk	risk	NOUN
fbem-16462	96	9	preference	preference	NOUN
fbem-16462	96	10	of	of	ADP
fbem-16462	96	11	the	the	DET
fbem-16462	96	12	head	head	NOUN
fbem-16462	96	13	of	of	ADP
fbem-16462	96	14	household	household	NOUN
fbem-16462	96	15	are	be	AUX
fbem-16462	96	16	1.2	1.2	NUM
fbem-16462	96	17	%	%	NOUN
fbem-16462	96	18	and	and	CCONJ
fbem-16462	96	19	-1.7	-1.7	NOUN
fbem-16462	96	20	%	%	NOUN
fbem-16462	96	21	,	,	PUNCT
fbem-16462	96	22	respectively	respectively	ADV
fbem-16462	96	23	,	,	PUNCT
fbem-16462	96	24	indicating	indicate	VERB
fbem-16462	96	25	that	that	SCONJ
fbem-16462	96	26	the	the	DET
fbem-16462	96	27	degree	degree	NOUN
fbem-16462	96	28	of	of	ADP
fbem-16462	96	29	risk	risk	NOUN
fbem-16462	96	30	preference	preference	NOUN
fbem-16462	96	31	affects	affect	VERB
fbem-16462	96	32	the	the	DET
fbem-16462	96	33	investment	investment	NOUN
fbem-16462	96	34	ratio	ratio	NOUN
fbem-16462	96	35	of	of	ADP
fbem-16462	96	36	urban	urban	ADJ
fbem-16462	96	37	households	household	NOUN
fbem-16462	96	38	in	in	ADP
fbem-16462	96	39	financial	financial	ADJ
fbem-16462	96	40	products	product	NOUN
fbem-16462	96	41	as	as	ADV
fbem-16462	96	42	well	well	ADV
fbem-16462	96	43	as	as	ADP
fbem-16462	96	44	risky	risky	ADJ
fbem-16462	96	45	financial	financial	ADJ
fbem-16462	96	46	assets	asset	NOUN
fbem-16462	96	47	.	.	PUNCT
fbem-16462	97	1	the	the	DET
fbem-16462	97	2	marginal	marginal	ADJ
fbem-16462	97	3	effects	effect	NOUN
fbem-16462	97	4	of	of	ADP
fbem-16462	97	5	household	household	NOUN
fbem-16462	97	6	housing	housing	NOUN
fbem-16462	97	7	status	status	NOUN
fbem-16462	97	8	and	and	CCONJ
fbem-16462	97	9	household	household	NOUN
fbem-16462	97	10	size	size	NOUN
fbem-16462	97	11	are	be	AUX
fbem-16462	97	12	significantly	significantly	ADV
fbem-16462	97	13	negative	negative	ADJ
fbem-16462	97	14	.	.	PUNCT
fbem-16462	98	1	household	household	NOUN
fbem-16462	98	2	debt	debt	NOUN
fbem-16462	98	3	ratio	ratio	NOUN
fbem-16462	98	4	has	have	VERB
fbem-16462	98	5	a	a	DET
fbem-16462	98	6	significant	significant	ADJ
fbem-16462	98	7	negative	negative	ADJ
fbem-16462	98	8	effect	effect	NOUN
fbem-16462	98	9	on	on	ADP
fbem-16462	98	10	the	the	DET
fbem-16462	98	11	investment	investment	NOUN
fbem-16462	98	12	ratio	ratio	NOUN
fbem-16462	98	13	of	of	ADP
fbem-16462	98	14	financial	financial	ADJ
fbem-16462	98	15	products	product	NOUN
fbem-16462	98	16	and	and	CCONJ
fbem-16462	98	17	risky	risky	ADJ
fbem-16462	98	18	financial	financial	ADJ
fbem-16462	98	19	assets	asset	NOUN
fbem-16462	98	20	.	.	PUNCT
fbem-16462	99	1	142	142	NUM
fbem-16462	99	2	table	table	NOUN
fbem-16462	99	3	2	2	NUM
fbem-16462	99	4	.	.	PUNCT
fbem-16462	99	5	benchmark	benchmark	NOUN
fbem-16462	99	6	regression	regression	NOUN
fbem-16462	99	7	results	result	VERB
fbem-16462	99	8	explanatory	explanatory	ADJ
fbem-16462	99	9	variable	variable	NOUN
fbem-16462	99	10	(	(	PUNCT
fbem-16462	99	11	1	1	NUM
fbem-16462	99	12	)	)	PUNCT
fbem-16462	99	13	(	(	PUNCT
fbem-16462	99	14	2	2	NUM
fbem-16462	99	15	)	)	PUNCT
fbem-16462	99	16	(	(	PUNCT
fbem-16462	99	17	3	3	X
fbem-16462	99	18	)	)	PUNCT
fbem-16462	99	19	(	(	PUNCT
fbem-16462	99	20	4	4	X
fbem-16462	99	21	)	)	PUNCT
fbem-16462	99	22	fp	fp	NOUN
fbem-16462	99	23	-	-	PUNCT
fbem-16462	99	24	ratio	ratio	NOUN
fbem-16462	99	25	fp	fp	PROPN
fbem-16462	99	26	-	-	PUNCT
fbem-16462	99	27	ratio	ratio	NOUN
fbem-16462	99	28	risk	risk	NOUN
fbem-16462	99	29	-	-	PUNCT
fbem-16462	99	30	ratio	ratio	NOUN
fbem-16462	99	31	risk	risk	NOUN
fbem-16462	99	32	-	-	PUNCT
fbem-16462	99	33	ratio	ratio	NOUN
fbem-16462	99	34	hpf	hpf	NOUN
fbem-16462	99	35	0.036	0.036	NUM
fbem-16462	99	36	*	*	PUNCT
fbem-16462	99	37	*	*	PUNCT
fbem-16462	99	38	*	*	PUNCT
fbem-16462	99	39	0.028	0.028	NUM
fbem-16462	99	40	*	*	PUNCT
fbem-16462	99	41	*	*	PUNCT
fbem-16462	99	42	*	*	PUNCT
fbem-16462	99	43	0.016	0.016	NUM
fbem-16462	99	44	*	*	PUNCT
fbem-16462	99	45	*	*	PUNCT
fbem-16462	99	46	*	*	PUNCT
fbem-16462	99	47	0.036	0.036	NUM
fbem-16462	99	48	*	*	PUNCT
fbem-16462	99	49	*	*	PUNCT
fbem-16462	99	50	*	*	PUNCT
fbem-16462	99	51	(	(	PUNCT
fbem-16462	99	52	0.000	0.000	NUM
fbem-16462	99	53	)	)	PUNCT
fbem-16462	99	54	(	(	PUNCT
fbem-16462	99	55	0.000	0.000	NUM
fbem-16462	99	56	)	)	PUNCT
fbem-16462	99	57	(	(	PUNCT
fbem-16462	99	58	0.000	0.000	NUM
fbem-16462	99	59	)	)	PUNCT
fbem-16462	99	60	(	(	PUNCT
fbem-16462	99	61	0.000	0.000	X
fbem-16462	99	62	)	)	PUNCT
fbem-16462	99	63	gender	gender	NOUN
fbem-16462	99	64	-0.008	-0.008	NOUN
fbem-16462	99	65	*	*	PUNCT
fbem-16462	99	66	*	*	PUNCT
fbem-16462	99	67	*	*	PUNCT
fbem-16462	99	68	-0.010	-0.010	PUNCT
fbem-16462	100	1	*	*	PUNCT
fbem-16462	101	1	*	*	PUNCT
fbem-16462	102	1	*	*	PUNCT
fbem-16462	103	1	(	(	PUNCT
fbem-16462	103	2	0.002	0.002	NUM
fbem-16462	103	3	)	)	PUNCT
fbem-16462	103	4	(	(	PUNCT
fbem-16462	103	5	0.000	0.000	X
fbem-16462	103	6	)	)	PUNCT
fbem-16462	103	7	age	age	NOUN
fbem-16462	103	8	-0.004	-0.004	PUNCT
fbem-16462	104	1	*	*	PUNCT
fbem-16462	104	2	*	*	PUNCT
fbem-16462	104	3	*	*	PUNCT
fbem-16462	104	4	-0.003	-0.003	PUNCT
fbem-16462	105	1	*	*	PUNCT
fbem-16462	105	2	*	*	PUNCT
fbem-16462	105	3	*	*	PUNCT
fbem-16462	105	4	(	(	PUNCT
fbem-16462	105	5	0.000	0.000	NUM
fbem-16462	105	6	)	)	PUNCT
fbem-16462	105	7	(	(	PUNCT
fbem-16462	105	8	0.000	0.000	X
fbem-16462	105	9	)	)	PUNCT
fbem-16462	105	10	age2	age2	NOUN
fbem-16462	106	1	0.000	0.000	NUM
fbem-16462	106	2	*	*	PUNCT
fbem-16462	106	3	*	*	PUNCT
fbem-16462	106	4	*	*	PUNCT
fbem-16462	107	1	0.000	0.000	NUM
fbem-16462	107	2	*	*	PUNCT
fbem-16462	107	3	*	*	PUNCT
fbem-16462	107	4	*	*	PUNCT
fbem-16462	107	5	(	(	PUNCT
fbem-16462	107	6	0.001	0.001	NUM
fbem-16462	107	7	)	)	PUNCT
fbem-16462	107	8	(	(	PUNCT
fbem-16462	107	9	0.001	0.001	NUM
fbem-16462	107	10	)	)	PUNCT
fbem-16462	107	11	risk	risk	NOUN
fbem-16462	107	12	-	-	PUNCT
fbem-16462	107	13	like	like	ADJ
fbem-16462	107	14	-0.012	-0.012	NOUN
fbem-16462	107	15	*	*	NOUN
fbem-16462	107	16	*	*	PUNCT
fbem-16462	107	17	*	*	PUNCT
fbem-16462	107	18	-0.017	-0.017	PROPN
fbem-16462	107	19	*	*	PUNCT
fbem-16462	107	20	*	*	PUNCT
fbem-16462	107	21	*	*	PUNCT
fbem-16462	107	22	(	(	PUNCT
fbem-16462	107	23	0.000	0.000	NUM
fbem-16462	107	24	)	)	PUNCT
fbem-16462	107	25	(	(	PUNCT
fbem-16462	107	26	0.000	0.000	NUM
fbem-16462	107	27	)	)	PUNCT
fbem-16462	107	28	marriage	marriage	NOUN
fbem-16462	107	29	-0.002	-0.002	PUNCT
fbem-16462	107	30	-0.002	-0.002	PUNCT
fbem-16462	107	31	(	(	PUNCT
fbem-16462	107	32	0.170	0.170	NUM
fbem-16462	107	33	)	)	PUNCT
fbem-16462	107	34	(	(	PUNCT
fbem-16462	107	35	0.133	0.133	NUM
fbem-16462	107	36	)	)	PUNCT
fbem-16462	107	37	house	house	NOUN
fbem-16462	107	38	-0.015	-0.015	PUNCT
fbem-16462	107	39	*	*	PUNCT
fbem-16462	107	40	*	*	PUNCT
fbem-16462	107	41	*	*	PUNCT
fbem-16462	107	42	-0.014	-0.014	NOUN
fbem-16462	107	43	*	*	PUNCT
fbem-16462	107	44	*	*	PUNCT
fbem-16462	107	45	*	*	PUNCT
fbem-16462	107	46	(	(	PUNCT
fbem-16462	107	47	0.000	0.000	NUM
fbem-16462	107	48	)	)	PUNCT
fbem-16462	107	49	(	(	PUNCT
fbem-16462	107	50	0.001	0.001	NUM
fbem-16462	107	51	)	)	PUNCT
fbem-16462	107	52	family	family	NOUN
fbem-16462	107	53	-	-	PUNCT
fbem-16462	107	54	size	size	NOUN
fbem-16462	107	55	-0.001	-0.001	NOUN
fbem-16462	107	56	*	*	PUNCT
fbem-16462	107	57	-0.003	-0.003	NOUN
fbem-16462	107	58	*	*	PUNCT
fbem-16462	107	59	*	*	PUNCT
fbem-16462	107	60	*	*	PUNCT
fbem-16462	107	61	(	(	PUNCT
fbem-16462	107	62	0.081	0.081	NUM
fbem-16462	107	63	)	)	PUNCT
fbem-16462	107	64	(	(	PUNCT
fbem-16462	107	65	0.004	0.004	NUM
fbem-16462	107	66	)	)	PUNCT
fbem-16462	107	67	debt	debt	NOUN
fbem-16462	107	68	-	-	PUNCT
fbem-16462	107	69	ratio	ratio	NOUN
fbem-16462	107	70	-0.021	-0.021	NOUN
fbem-16462	107	71	*	*	PUNCT
fbem-16462	107	72	*	*	PUNCT
fbem-16462	107	73	*	*	PUNCT
fbem-16462	107	74	-0.025	-0.025	PROPN
fbem-16462	107	75	*	*	PUNCT
fbem-16462	107	76	*	*	PUNCT
fbem-16462	107	77	*	*	PUNCT
fbem-16462	107	78	(	(	PUNCT
fbem-16462	107	79	0.000	0.000	NUM
fbem-16462	107	80	)	)	PUNCT
fbem-16462	107	81	(	(	PUNCT
fbem-16462	107	82	0.000	0.000	NUM
fbem-16462	107	83	)	)	PUNCT
fbem-16462	107	84	n	n	CCONJ
fbem-16462	107	85	8977	8977	NUM
fbem-16462	107	86	8975	8975	NUM
fbem-16462	107	87	8977	8977	NUM
fbem-16462	107	88	8975	8975	NUM
fbem-16462	107	89	note	note	NOUN
fbem-16462	107	90	:	:	PUNCT
fbem-16462	107	91	*	*	PUNCT
fbem-16462	107	92	,	,	PUNCT
fbem-16462	107	93	*	*	PUNCT
fbem-16462	107	94	*	*	PUNCT
fbem-16462	107	95	,	,	PUNCT
fbem-16462	107	96	and	and	CCONJ
fbem-16462	107	97	*	*	PUNCT
fbem-16462	107	98	*	*	PUNCT
fbem-16462	107	99	*	*	PUNCT
fbem-16462	107	100	indicate	indicate	VERB
fbem-16462	107	101	significant	significant	ADJ
fbem-16462	107	102	at	at	ADP
fbem-16462	107	103	10	10	NUM
fbem-16462	107	104	%	%	NOUN
fbem-16462	107	105	,	,	PUNCT
fbem-16462	107	106	5	5	NUM
fbem-16462	107	107	%	%	NOUN
fbem-16462	107	108	,	,	PUNCT
fbem-16462	107	109	and	and	CCONJ
fbem-16462	107	110	1	1	NUM
fbem-16462	107	111	%	%	NOUN
fbem-16462	107	112	levels	level	NOUN
fbem-16462	107	113	,	,	PUNCT
fbem-16462	107	114	respectively	respectively	ADV
fbem-16462	107	115	,	,	PUNCT
fbem-16462	107	116	and	and	CCONJ
fbem-16462	107	117	values	value	NOUN
fbem-16462	107	118	in	in	ADP
fbem-16462	107	119	parentheses	parenthesis	NOUN
fbem-16462	107	120	in	in	ADP
fbem-16462	107	121	the	the	DET
fbem-16462	107	122	table	table	NOUN
fbem-16462	107	123	are	be	AUX
fbem-16462	107	124	standard	standard	ADJ
fbem-16462	107	125	errors	error	NOUN
fbem-16462	107	126	.	.	PUNCT
fbem-16462	108	1	4.2	4.2	NUM
fbem-16462	108	2	.	.	PUNCT
fbem-16462	108	3	robustness	robustness	NOUN
fbem-16462	108	4	check	check	NOUN
fbem-16462	108	5	in	in	ADP
fbem-16462	108	6	the	the	DET
fbem-16462	108	7	benchmark	benchmark	NOUN
fbem-16462	108	8	regression	regression	NOUN
fbem-16462	108	9	,	,	PUNCT
fbem-16462	108	10	we	we	PRON
fbem-16462	108	11	conclude	conclude	VERB
fbem-16462	108	12	that	that	SCONJ
fbem-16462	108	13	holding	hold	VERB
fbem-16462	108	14	housing	housing	NOUN
fbem-16462	108	15	provident	provident	ADJ
fbem-16462	108	16	fund	fund	NOUN
fbem-16462	108	17	increases	increase	VERB
fbem-16462	108	18	the	the	DET
fbem-16462	108	19	investment	investment	NOUN
fbem-16462	108	20	ratio	ratio	NOUN
fbem-16462	108	21	of	of	ADP
fbem-16462	108	22	urban	urban	ADJ
fbem-16462	108	23	households	household	NOUN
fbem-16462	108	24	in	in	ADP
fbem-16462	108	25	financial	financial	ADJ
fbem-16462	108	26	products	product	NOUN
fbem-16462	108	27	as	as	ADV
fbem-16462	108	28	well	well	ADV
fbem-16462	108	29	as	as	ADP
fbem-16462	108	30	risky	risky	ADJ
fbem-16462	108	31	financial	financial	ADJ
fbem-16462	108	32	assets	asset	NOUN
fbem-16462	108	33	.	.	PUNCT
fbem-16462	109	1	in	in	ADP
fbem-16462	109	2	order	order	NOUN
fbem-16462	109	3	to	to	PART
fbem-16462	109	4	avoid	avoid	VERB
fbem-16462	109	5	endogeneity	endogeneity	NOUN
fbem-16462	109	6	problems	problem	NOUN
fbem-16462	109	7	caused	cause	VERB
fbem-16462	109	8	by	by	ADP
fbem-16462	109	9	indicator	indicator	NOUN
fbem-16462	109	10	definitions	definition	NOUN
fbem-16462	109	11	and	and	CCONJ
fbem-16462	109	12	omitted	omit	VERB
fbem-16462	109	13	variables	variable	NOUN
fbem-16462	109	14	,	,	PUNCT
fbem-16462	109	15	etc	etc	X
fbem-16462	109	16	.	.	X
fbem-16462	109	17	,	,	PUNCT
fbem-16462	109	18	this	this	DET
fbem-16462	109	19	paper	paper	NOUN
fbem-16462	109	20	conducts	conduct	VERB
fbem-16462	109	21	the	the	DET
fbem-16462	109	22	following	follow	VERB
fbem-16462	109	23	types	type	NOUN
fbem-16462	109	24	of	of	ADP
fbem-16462	109	25	robustness	robustness	NOUN
fbem-16462	109	26	tests	test	NOUN
fbem-16462	109	27	.	.	PUNCT
fbem-16462	110	1	4.2.1	4.2.1	NOUN
fbem-16462	110	2	.	.	PUNCT
fbem-16462	110	3	substitution	substitution	NOUN
fbem-16462	110	4	of	of	ADP
fbem-16462	110	5	variables	variable	NOUN
fbem-16462	110	6	according	accord	VERB
fbem-16462	110	7	to	to	ADP
fbem-16462	110	8	the	the	DET
fbem-16462	110	9	setting	setting	NOUN
fbem-16462	110	10	of	of	ADP
fbem-16462	110	11	the	the	DET
fbem-16462	110	12	chfs2019questionnaire	chfs2019questionnaire	NOUN
fbem-16462	110	13	,	,	PUNCT
fbem-16462	110	14	the	the	DET
fbem-16462	110	15	head	head	NOUN
fbem-16462	110	16	of	of	ADP
fbem-16462	110	17	the	the	DET
fbem-16462	110	18	household	household	NOUN
fbem-16462	110	19	in	in	ADP
fbem-16462	110	20	this	this	DET
fbem-16462	110	21	paper	paper	NOUN
fbem-16462	110	22	is	be	AUX
fbem-16462	110	23	not	not	PART
fbem-16462	110	24	necessarily	necessarily	ADV
fbem-16462	110	25	the	the	DET
fbem-16462	110	26	head	head	NOUN
fbem-16462	110	27	of	of	ADP
fbem-16462	110	28	the	the	DET
fbem-16462	110	29	household	household	NOUN
fbem-16462	110	30	in	in	ADP
fbem-16462	110	31	the	the	DET
fbem-16462	110	32	account	account	NOUN
fbem-16462	110	33	book	book	NOUN
fbem-16462	110	34	,	,	PUNCT
fbem-16462	110	35	but	but	CCONJ
fbem-16462	110	36	the	the	DET
fbem-16462	110	37	family	family	NOUN
fbem-16462	110	38	member	member	NOUN
fbem-16462	110	39	who	who	PRON
fbem-16462	110	40	plays	play	VERB
fbem-16462	110	41	a	a	DET
fbem-16462	110	42	decisive	decisive	ADJ
fbem-16462	110	43	role	role	NOUN
fbem-16462	110	44	in	in	ADP
fbem-16462	110	45	the	the	DET
fbem-16462	110	46	household	household	NOUN
fbem-16462	110	47	,	,	PUNCT
fbem-16462	110	48	and	and	CCONJ
fbem-16462	110	49	we	we	PRON
fbem-16462	110	50	believe	believe	VERB
fbem-16462	110	51	that	that	SCONJ
fbem-16462	110	52	the	the	DET
fbem-16462	110	53	head	head	NOUN
fbem-16462	110	54	of	of	ADP
fbem-16462	110	55	the	the	DET
fbem-16462	110	56	household	household	NOUN
fbem-16462	110	57	can	can	AUX
fbem-16462	110	58	make	make	VERB
fbem-16462	110	59	a	a	DET
fbem-16462	110	60	decision	decision	NOUN
fbem-16462	110	61	on	on	ADP
fbem-16462	110	62	whether	whether	SCONJ
fbem-16462	110	63	or	or	CCONJ
fbem-16462	110	64	not	not	PART
fbem-16462	110	65	the	the	DET
fbem-16462	110	66	household	household	NOUN
fbem-16462	110	67	makes	make	VERB
fbem-16462	110	68	a	a	DET
fbem-16462	110	69	risky	risky	ADJ
fbem-16462	110	70	financial	financial	ADJ
fbem-16462	110	71	investment	investment	NOUN
fbem-16462	110	72	.	.	PUNCT
fbem-16462	111	1	so	so	ADV
fbem-16462	111	2	this	this	DET
fbem-16462	111	3	paper	paper	NOUN
fbem-16462	111	4	replaces	replace	VERB
fbem-16462	111	5	the	the	DET
fbem-16462	111	6	core	core	ADJ
fbem-16462	111	7	explanatory	explanatory	ADJ
fbem-16462	111	8	variable	variable	NOUN
fbem-16462	111	9	in	in	ADP
fbem-16462	111	10	the	the	DET
fbem-16462	111	11	baseline	baseline	NOUN
fbem-16462	111	12	regression	regression	NOUN
fbem-16462	111	13	,	,	PUNCT
fbem-16462	111	14	whether	whether	SCONJ
fbem-16462	111	15	the	the	DET
fbem-16462	111	16	household	household	NOUN
fbem-16462	111	17	holds	hold	VERB
fbem-16462	111	18	a	a	DET
fbem-16462	111	19	housing	housing	NOUN
fbem-16462	111	20	provident	provident	ADJ
fbem-16462	111	21	fund	fund	NOUN
fbem-16462	111	22	(	(	PUNCT
fbem-16462	111	23	hpf	hpf	PROPN
fbem-16462	111	24	)	)	PUNCT
fbem-16462	111	25	,	,	PUNCT
fbem-16462	111	26	with	with	ADP
fbem-16462	111	27	whether	whether	SCONJ
fbem-16462	111	28	the	the	DET
fbem-16462	111	29	household	household	NOUN
fbem-16462	111	30	head	head	NOUN
fbem-16462	111	31	owns	own	VERB
fbem-16462	111	32	a	a	DET
fbem-16462	111	33	housing	housing	NOUN
fbem-16462	111	34	provident	provident	ADJ
fbem-16462	111	35	fund	fund	NOUN
fbem-16462	111	36	as	as	ADP
fbem-16462	111	37	the	the	DET
fbem-16462	111	38	explanatory	explanatory	ADJ
fbem-16462	111	39	variable	variable	NOUN
fbem-16462	111	40	,	,	PUNCT
fbem-16462	111	41	denoted	denote	VERB
fbem-16462	111	42	as	as	ADP
fbem-16462	111	43	hpf1	hpf1	PROPN
fbem-16462	111	44	.	.	PUNCT
fbem-16462	112	1	i.e.	i.e.	X
fbem-16462	112	2	,	,	PUNCT
fbem-16462	112	3	as	as	ADV
fbem-16462	112	4	long	long	ADV
fbem-16462	112	5	as	as	SCONJ
fbem-16462	112	6	the	the	DET
fbem-16462	112	7	household	household	NOUN
fbem-16462	112	8	head	head	NOUN
fbem-16462	112	9	in	in	ADP
fbem-16462	112	10	the	the	DET
fbem-16462	112	11	household	household	NOUN
fbem-16462	112	12	owns	own	VERB
fbem-16462	112	13	a	a	DET
fbem-16462	112	14	housing	housing	NOUN
fbem-16462	112	15	provident	provident	ADJ
fbem-16462	112	16	fund	fund	NOUN
fbem-16462	112	17	,	,	PUNCT
fbem-16462	112	18	hpf1	hpf1	PROPN
fbem-16462	112	19	takes	take	VERB
fbem-16462	112	20	the	the	DET
fbem-16462	112	21	value	value	NOUN
fbem-16462	112	22	of	of	ADP
fbem-16462	112	23	1	1	NUM
fbem-16462	112	24	;	;	PUNCT
fbem-16462	112	25	otherwise	otherwise	ADV
fbem-16462	112	26	,	,	PUNCT
fbem-16462	112	27	it	it	PRON
fbem-16462	112	28	takes	take	VERB
fbem-16462	112	29	the	the	DET
fbem-16462	112	30	value	value	NOUN
fbem-16462	112	31	of	of	ADP
fbem-16462	112	32	0	0	NUM
fbem-16462	112	33	.	.	PUNCT
fbem-16462	113	1	the	the	DET
fbem-16462	113	2	results	result	NOUN
fbem-16462	113	3	of	of	ADP
fbem-16462	113	4	the	the	DET
fbem-16462	113	5	regressions	regression	NOUN
fbem-16462	113	6	after	after	SCONJ
fbem-16462	113	7	the	the	DET
fbem-16462	113	8	replacement	replacement	NOUN
fbem-16462	113	9	are	be	AUX
fbem-16462	113	10	shown	show	VERB
fbem-16462	113	11	in	in	ADP
fbem-16462	113	12	table	table	NOUN
fbem-16462	113	13	3	3	NUM
fbem-16462	113	14	below	below	ADV
fbem-16462	113	15	:	:	PUNCT
fbem-16462	113	16	from	from	ADP
fbem-16462	113	17	column	column	NOUN
fbem-16462	113	18	(	(	PUNCT
fbem-16462	113	19	1	1	NUM
fbem-16462	113	20	)	)	PUNCT
fbem-16462	113	21	.	.	PUNCT
fbem-16462	114	1	from	from	ADP
fbem-16462	114	2	column	column	NOUN
fbem-16462	114	3	(	(	PUNCT
fbem-16462	114	4	1	1	NUM
fbem-16462	114	5	)	)	PUNCT
fbem-16462	114	6	,	,	PUNCT
fbem-16462	114	7	“	"	PUNCT
fbem-16462	114	8	household	household	NOUN
fbem-16462	114	9	head	head	NOUN
fbem-16462	114	10	has	have	AUX
fbem-16462	114	11	housing	housing	NOUN
fbem-16462	114	12	provident	provident	ADJ
fbem-16462	114	13	fund	fund	NOUN
fbem-16462	114	14	(	(	PUNCT
fbem-16462	114	15	hpf	hpf	NOUN
fbem-16462	114	16	)	)	PUNCT
fbem-16462	114	17	”	"	PUNCT
fbem-16462	114	18	can	can	AUX
fbem-16462	114	19	also	also	ADV
fbem-16462	114	20	increase	increase	VERB
fbem-16462	114	21	the	the	DET
fbem-16462	114	22	investment	investment	NOUN
fbem-16462	114	23	ratio	ratio	NOUN
fbem-16462	114	24	of	of	ADP
fbem-16462	114	25	urban	urban	ADJ
fbem-16462	114	26	households	household	NOUN
fbem-16462	114	27	in	in	ADP
fbem-16462	114	28	financial	financial	ADJ
fbem-16462	114	29	products	product	NOUN
fbem-16462	114	30	,	,	PUNCT
fbem-16462	114	31	and	and	CCONJ
fbem-16462	114	32	column	column	NOUN
fbem-16462	114	33	(	(	PUNCT
fbem-16462	114	34	2	2	X
fbem-16462	114	35	)	)	PUNCT
fbem-16462	114	36	shows	show	VERB
fbem-16462	114	37	that	that	SCONJ
fbem-16462	114	38	hpf1	hpf1	PROPN
fbem-16462	114	39	can	can	AUX
fbem-16462	114	40	increase	increase	VERB
fbem-16462	114	41	the	the	DET
fbem-16462	114	42	investment	investment	NOUN
fbem-16462	114	43	ratio	ratio	NOUN
fbem-16462	114	44	of	of	ADP
fbem-16462	114	45	urban	urban	ADJ
fbem-16462	114	46	households	household	NOUN
fbem-16462	114	47	in	in	ADP
fbem-16462	114	48	risky	risky	ADJ
fbem-16462	114	49	financial	financial	ADJ
fbem-16462	114	50	assets	asset	NOUN
fbem-16462	114	51	,	,	PUNCT
fbem-16462	114	52	both	both	PRON
fbem-16462	114	53	of	of	ADP
fbem-16462	114	54	which	which	PRON
fbem-16462	114	55	are	be	AUX
fbem-16462	114	56	significantly	significantly	ADV
fbem-16462	114	57	positive	positive	ADJ
fbem-16462	114	58	at	at	ADP
fbem-16462	114	59	the	the	DET
fbem-16462	114	60	1	1	NUM
fbem-16462	114	61	%	%	NOUN
fbem-16462	114	62	level	level	NOUN
fbem-16462	114	63	.	.	PUNCT
fbem-16462	115	1	in	in	ADP
fbem-16462	115	2	addition	addition	NOUN
fbem-16462	115	3	to	to	ADP
fbem-16462	115	4	replacing	replace	VERB
fbem-16462	115	5	the	the	DET
fbem-16462	115	6	core	core	ADJ
fbem-16462	115	7	explanatory	explanatory	ADJ
fbem-16462	115	8	variables	variable	NOUN
fbem-16462	115	9	,	,	PUNCT
fbem-16462	115	10	this	this	DET
fbem-16462	115	11	paper	paper	NOUN
fbem-16462	115	12	also	also	ADV
fbem-16462	115	13	replaces	replace	VERB
fbem-16462	115	14	the	the	DET
fbem-16462	115	15	explanatory	explanatory	ADJ
fbem-16462	115	16	variables	variable	NOUN
fbem-16462	115	17	to	to	PART
fbem-16462	115	18	conduct	conduct	VERB
fbem-16462	115	19	robustness	robustness	NOUN
fbem-16462	115	20	tests	test	NOUN
fbem-16462	115	21	.	.	PUNCT
fbem-16462	116	1	replace	replace	VERB
fbem-16462	116	2	“	"	PUNCT
fbem-16462	116	3	the	the	DET
fbem-16462	116	4	proportion	proportion	NOUN
fbem-16462	116	5	of	of	ADP
fbem-16462	116	6	urban	urban	ADJ
fbem-16462	116	7	households	household	NOUN
fbem-16462	116	8	’	'	PUNCT
fbem-16462	116	9	investment	investment	NOUN
fbem-16462	116	10	in	in	ADP
fbem-16462	116	11	financial	financial	ADJ
fbem-16462	116	12	products	product	NOUN
fbem-16462	116	13	(	(	PUNCT
fbem-16462	116	14	fp	fp	INTJ
fbem-16462	116	15	-	-	PUNCT
fbem-16462	116	16	ratio	ratio	NOUN
fbem-16462	116	17	)	)	PUNCT
fbem-16462	116	18	”	"	PUNCT
fbem-16462	116	19	with	with	ADP
fbem-16462	116	20	“	"	PUNCT
fbem-16462	116	21	whether	whether	SCONJ
fbem-16462	116	22	urban	urban	ADJ
fbem-16462	116	23	households	household	NOUN
fbem-16462	116	24	invest	invest	VERB
fbem-16462	116	25	in	in	ADP
fbem-16462	116	26	financial	financial	ADJ
fbem-16462	116	27	products	product	NOUN
fbem-16462	116	28	(	(	PUNCT
fbem-16462	116	29	fp	fp	NOUN
fbem-16462	116	30	)	)	PUNCT
fbem-16462	116	31	”	"	PUNCT
fbem-16462	116	32	.	.	PUNCT
fbem-16462	117	1	according	accord	VERB
fbem-16462	117	2	to	to	ADP
fbem-16462	117	3	the	the	DET
fbem-16462	117	4	data	data	NOUN
fbem-16462	117	5	characteristics	characteristic	NOUN
fbem-16462	117	6	of	of	ADP
fbem-16462	117	7	the	the	DET
fbem-16462	117	8	explanatory	explanatory	ADJ
fbem-16462	117	9	variables	variable	NOUN
fbem-16462	117	10	,	,	PUNCT
fbem-16462	117	11	probit	probit	NOUN
fbem-16462	117	12	model	model	NOUN
fbem-16462	117	13	is	be	AUX
fbem-16462	117	14	chosen	choose	VERB
fbem-16462	117	15	for	for	ADP
fbem-16462	117	16	regression	regression	NOUN
fbem-16462	117	17	analysis	analysis	NOUN
fbem-16462	117	18	.	.	PUNCT
fbem-16462	118	1	at	at	ADP
fbem-16462	118	2	the	the	DET
fbem-16462	118	3	same	same	ADJ
fbem-16462	118	4	time	time	NOUN
fbem-16462	118	5	,	,	PUNCT
fbem-16462	118	6	"	"	PUNCT
fbem-16462	118	7	the	the	DET
fbem-16462	118	8	proportion	proportion	NOUN
fbem-16462	118	9	of	of	ADP
fbem-16462	118	10	urban	urban	ADJ
fbem-16462	118	11	households	household	NOUN
fbem-16462	118	12	'	'	PART
fbem-16462	118	13	investment	investment	NOUN
fbem-16462	118	14	in	in	ADP
fbem-16462	118	15	risky	risky	ADJ
fbem-16462	118	16	financial	financial	ADJ
fbem-16462	118	17	assets	asset	NOUN
fbem-16462	118	18	(	(	PUNCT
fbem-16462	118	19	risk	risk	NOUN
fbem-16462	118	20	-	-	PUNCT
fbem-16462	118	21	ratio	ratio	NOUN
fbem-16462	118	22	)	)	PUNCT
fbem-16462	118	23	"	"	PUNCT
fbem-16462	118	24	is	be	AUX
fbem-16462	118	25	replaced	replace	VERB
fbem-16462	118	26	by	by	ADP
fbem-16462	118	27	"	"	PUNCT
fbem-16462	118	28	whether	whether	SCONJ
fbem-16462	118	29	urban	urban	ADJ
fbem-16462	118	30	households	household	NOUN
fbem-16462	118	31	invest	invest	VERB
fbem-16462	118	32	in	in	ADP
fbem-16462	118	33	risky	risky	ADJ
fbem-16462	118	34	financial	financial	ADJ
fbem-16462	118	35	assets(risk	assets(risk	NOUN
fbem-16462	118	36	-	-	PUNCT
fbem-16462	118	37	asset	asset	NOUN
fbem-16462	118	38	)	)	PUNCT
fbem-16462	118	39	"	"	PUNCT
fbem-16462	118	40	,	,	PUNCT
fbem-16462	118	41	and	and	CCONJ
fbem-16462	118	42	the	the	DET
fbem-16462	118	43	same	same	ADJ
fbem-16462	118	44	probit	probit	NOUN
fbem-16462	118	45	model	model	NOUN
fbem-16462	118	46	is	be	AUX
fbem-16462	118	47	used	use	VERB
fbem-16462	118	48	for	for	ADP
fbem-16462	118	49	the	the	DET
fbem-16462	118	50	regression	regression	NOUN
fbem-16462	118	51	analysis	analysis	NOUN
fbem-16462	118	52	.	.	PUNCT
fbem-16462	119	1	the	the	DET
fbem-16462	119	2	regression	regression	NOUN
fbem-16462	119	3	analysis	analysis	NOUN
fbem-16462	119	4	is	be	AUX
fbem-16462	119	5	also	also	ADV
fbem-16462	119	6	conducted	conduct	VERB
fbem-16462	119	7	using	use	VERB
fbem-16462	119	8	the	the	DET
fbem-16462	119	9	probit	probit	NOUN
fbem-16462	119	10	model	model	NOUN
fbem-16462	119	11	.	.	PUNCT
fbem-16462	120	1	the	the	DET
fbem-16462	120	2	results	result	NOUN
fbem-16462	120	3	are	be	AUX
fbem-16462	120	4	shown	show	VERB
fbem-16462	120	5	in	in	ADP
fbem-16462	120	6	column	column	NOUN
fbem-16462	120	7	(	(	PUNCT
fbem-16462	120	8	3	3	NUM
fbem-16462	120	9	)	)	PUNCT
fbem-16462	120	10	and	and	CCONJ
fbem-16462	120	11	(	(	PUNCT
fbem-16462	120	12	4	4	X
fbem-16462	120	13	)	)	PUNCT
fbem-16462	120	14	of	of	ADP
fbem-16462	120	15	table	table	NOUN
fbem-16462	120	16	3	3	NUM
fbem-16462	120	17	below	below	ADV
fbem-16462	120	18	:	:	PUNCT
fbem-16462	120	19	housing	housing	NOUN
fbem-16462	120	20	provident	provident	ADJ
fbem-16462	120	21	and	and	CCONJ
fbem-16462	120	22	risky	risky	ADJ
fbem-16462	120	23	financial	financial	ADJ
fbem-16462	120	24	assets	asset	NOUN
fbem-16462	120	25	at	at	ADP
fbem-16462	120	26	the	the	DET
fbem-16462	120	27	1	1	NUM
fbem-16462	120	28	%	%	NOUN
fbem-16462	120	29	level	level	NOUN
fbem-16462	120	30	,	,	PUNCT
fbem-16462	120	31	and	and	CCONJ
fbem-16462	120	32	the	the	DET
fbem-16462	120	33	results	result	NOUN
fbem-16462	120	34	of	of	ADP
fbem-16462	120	35	the	the	DET
fbem-16462	120	36	benchmark	benchmark	ADJ
fbem-16462	120	37	regression	regression	NOUN
fbem-16462	120	38	are	be	AUX
fbem-16462	120	39	robust	robust	ADJ
fbem-16462	120	40	.	.	PUNCT
fbem-16462	121	1	table	table	NOUN
fbem-16462	121	2	3	3	NUM
fbem-16462	121	3	.	.	PUNCT
fbem-16462	122	1	robustness	robustness	NOUN
fbem-16462	122	2	tests	test	NOUN
fbem-16462	122	3	:	:	PUNCT
fbem-16462	122	4	replacement	replacement	NOUN
fbem-16462	122	5	variables	variable	NOUN
fbem-16462	122	6	(	(	PUNCT
fbem-16462	122	7	1	1	NUM
fbem-16462	122	8	)	)	PUNCT
fbem-16462	122	9	(	(	PUNCT
fbem-16462	122	10	2	2	NUM
fbem-16462	122	11	)	)	PUNCT
fbem-16462	122	12	(	(	PUNCT
fbem-16462	122	13	3	3	X
fbem-16462	122	14	)	)	PUNCT
fbem-16462	122	15	(	(	PUNCT
fbem-16462	122	16	4	4	X
fbem-16462	122	17	)	)	PUNCT
fbem-16462	122	18	fp	fp	ADJ
fbem-16462	122	19	-	-	PUNCT
fbem-16462	122	20	ratio	ratio	NOUN
fbem-16462	122	21	risk	risk	NOUN
fbem-16462	122	22	-	-	PUNCT
fbem-16462	122	23	ratio	ratio	NOUN
fbem-16462	122	24	fp	fp	PROPN
fbem-16462	122	25	riskasset	riskasset	NOUN
fbem-16462	122	26	hpf1	hpf1	PROPN
fbem-16462	122	27	0.109	0.109	NUM
fbem-16462	122	28	*	*	PUNCT
fbem-16462	122	29	*	*	PUNCT
fbem-16462	122	30	*	*	PUNCT
fbem-16462	122	31	0.137	0.137	NUM
fbem-16462	122	32	*	*	PUNCT
fbem-16462	122	33	*	*	PUNCT
fbem-16462	122	34	*	*	PUNCT
fbem-16462	122	35	(	(	PUNCT
fbem-16462	122	36	0.000	0.000	NUM
fbem-16462	122	37	)	)	PUNCT
fbem-16462	122	38	(	(	PUNCT
fbem-16462	122	39	0.000	0.000	X
fbem-16462	122	40	)	)	PUNCT
fbem-16462	122	41	hpf	hpf	NOUN
fbem-16462	122	42	0.504	0.504	NUM
fbem-16462	122	43	*	*	PUNCT
fbem-16462	122	44	*	*	PUNCT
fbem-16462	122	45	*	*	PUNCT
fbem-16462	122	46	0.507	0.507	NUM
fbem-16462	122	47	*	*	PUNCT
fbem-16462	122	48	*	*	PUNCT
fbem-16462	122	49	*	*	PUNCT
fbem-16462	122	50	(	(	PUNCT
fbem-16462	122	51	0.000	0.000	NUM
fbem-16462	122	52	)	)	PUNCT
fbem-16462	122	53	(	(	PUNCT
fbem-16462	122	54	0.000	0.000	X
fbem-16462	122	55	)	)	PUNCT
fbem-16462	122	56	control	control	NOUN
fbem-16462	122	57	variable	variable	NOUN
fbem-16462	123	1	yes	yes	INTJ
fbem-16462	123	2	yes	yes	INTJ
fbem-16462	124	1	yes	yes	INTJ
fbem-16462	125	1	yes	yes	INTJ
fbem-16462	125	2	pseudo	pseudo	NOUN
fbem-16462	125	3	r2	r2	NOUN
fbem-16462	125	4	0.069	0.069	NUM
fbem-16462	125	5	0.089	0.089	NUM
fbem-16462	125	6	0.184	0.184	NUM
fbem-16462	125	7	0.182	0.182	NUM
fbem-16462	125	8	observations	observation	NOUN
fbem-16462	125	9	7775	7775	NUM
fbem-16462	125	10	7775	7775	NUM
fbem-16462	125	11	8975	8975	NUM
fbem-16462	125	12	8975	8975	NUM
fbem-16462	125	13	note	note	NOUN
fbem-16462	125	14	:	:	PUNCT
fbem-16462	125	15	*	*	PUNCT
fbem-16462	125	16	,	,	PUNCT
fbem-16462	125	17	*	*	PUNCT
fbem-16462	125	18	*	*	PUNCT
fbem-16462	125	19	,	,	PUNCT
fbem-16462	125	20	and	and	CCONJ
fbem-16462	125	21	*	*	PUNCT
fbem-16462	125	22	*	*	PUNCT
fbem-16462	125	23	*	*	PUNCT
fbem-16462	125	24	indicate	indicate	VERB
fbem-16462	125	25	significant	significant	ADJ
fbem-16462	125	26	at	at	ADP
fbem-16462	125	27	10	10	NUM
fbem-16462	125	28	%	%	NOUN
fbem-16462	125	29	,	,	PUNCT
fbem-16462	125	30	5	5	NUM
fbem-16462	125	31	%	%	NOUN
fbem-16462	125	32	,	,	PUNCT
fbem-16462	125	33	and	and	CCONJ
fbem-16462	125	34	1	1	NUM
fbem-16462	125	35	%	%	NOUN
fbem-16462	125	36	levels	level	NOUN
fbem-16462	125	37	,	,	PUNCT
fbem-16462	125	38	respectively	respectively	ADV
fbem-16462	125	39	,	,	PUNCT
fbem-16462	125	40	and	and	CCONJ
fbem-16462	125	41	values	value	NOUN
fbem-16462	125	42	in	in	ADP
fbem-16462	125	43	parentheses	parenthesis	NOUN
fbem-16462	125	44	in	in	ADP
fbem-16462	125	45	the	the	DET
fbem-16462	125	46	table	table	NOUN
fbem-16462	125	47	are	be	AUX
fbem-16462	125	48	standard	standard	ADJ
fbem-16462	125	49	errors	error	NOUN
fbem-16462	125	50	.	.	PUNCT
fbem-16462	126	1	4.2.2	4.2.2	X
fbem-16462	126	2	.	.	PUNCT
fbem-16462	127	1	instrumental	instrumental	ADJ
fbem-16462	127	2	variables	variable	NOUN
fbem-16462	127	3	regression	regression	VERB
fbem-16462	127	4	in	in	ADP
fbem-16462	127	5	this	this	DET
fbem-16462	127	6	paper	paper	NOUN
fbem-16462	127	7	,	,	PUNCT
fbem-16462	127	8	although	although	SCONJ
fbem-16462	127	9	the	the	DET
fbem-16462	127	10	variables	variable	NOUN
fbem-16462	127	11	of	of	ADP
fbem-16462	127	12	interest	interest	NOUN
fbem-16462	127	13	have	have	AUX
fbem-16462	127	14	been	be	AUX
fbem-16462	127	15	controlled	control	VERB
fbem-16462	127	16	as	as	ADV
fbem-16462	127	17	much	much	ADV
fbem-16462	127	18	as	as	ADP
fbem-16462	127	19	possible	possible	ADJ
fbem-16462	127	20	,	,	PUNCT
fbem-16462	127	21	the	the	DET
fbem-16462	127	22	model	model	NOUN
fbem-16462	127	23	may	may	AUX
fbem-16462	127	24	still	still	ADV
fbem-16462	127	25	suffer	suffer	VERB
fbem-16462	127	26	from	from	ADP
fbem-16462	127	27	endogeneity	endogeneity	NOUN
fbem-16462	127	28	problems	problem	NOUN
fbem-16462	127	29	.	.	PUNCT
fbem-16462	128	1	therefore	therefore	ADV
fbem-16462	128	2	,	,	PUNCT
fbem-16462	128	3	the	the	DET
fbem-16462	128	4	instrumental	instrumental	ADJ
fbem-16462	128	5	variables	variable	NOUN
fbem-16462	128	6	method	method	NOUN
fbem-16462	128	7	is	be	AUX
fbem-16462	128	8	used	use	VERB
fbem-16462	128	9	in	in	ADP
fbem-16462	128	10	this	this	DET
fbem-16462	128	11	part	part	NOUN
fbem-16462	128	12	to	to	PART
fbem-16462	128	13	further	far	ADV
fbem-16462	128	14	mitigate	mitigate	VERB
fbem-16462	128	15	the	the	DET
fbem-16462	128	16	estimation	estimation	NOUN
fbem-16462	128	17	bias	bias	NOUN
fbem-16462	128	18	problem	problem	NOUN
fbem-16462	128	19	caused	cause	VERB
fbem-16462	128	20	by	by	ADP
fbem-16462	128	21	endogeneity	endogeneity	NOUN
fbem-16462	128	22	.	.	PUNCT
fbem-16462	129	1	moreover	moreover	ADV
fbem-16462	129	2	,	,	PUNCT
fbem-16462	129	3	this	this	DET
fbem-16462	129	4	paper	paper	NOUN
fbem-16462	129	5	is	be	AUX
fbem-16462	129	6	a	a	DET
fbem-16462	129	7	quantitative	quantitative	ADJ
fbem-16462	129	8	analysis	analysis	NOUN
fbem-16462	129	9	based	base	VERB
fbem-16462	129	10	on	on	ADP
fbem-16462	129	11	micro	micro	ADJ
fbem-16462	129	12	household	household	NOUN
fbem-16462	129	13	financial	financial	ADJ
fbem-16462	129	14	survey	survey	NOUN
fbem-16462	129	15	data	datum	NOUN
fbem-16462	129	16	,	,	PUNCT
fbem-16462	129	17	which	which	PRON
fbem-16462	129	18	makes	make	VERB
fbem-16462	129	19	it	it	PRON
fbem-16462	129	20	more	more	ADV
fbem-16462	129	21	advantageous	advantageous	ADJ
fbem-16462	129	22	to	to	PART
fbem-16462	129	23	use	use	VERB
fbem-16462	129	24	the	the	DET
fbem-16462	129	25	instrumental	instrumental	ADJ
fbem-16462	129	26	variables	variable	NOUN
fbem-16462	129	27	approach	approach	VERB
fbem-16462	129	28	to	to	PART
fbem-16462	129	29	deal	deal	VERB
fbem-16462	129	30	with	with	ADP
fbem-16462	129	31	endogeneity	endogeneity	NOUN
fbem-16462	129	32	.	.	PUNCT
fbem-16462	130	1	based	base	VERB
fbem-16462	130	2	on	on	ADP
fbem-16462	130	3	the	the	DET
fbem-16462	130	4	theory	theory	NOUN
fbem-16462	130	5	of	of	ADP
fbem-16462	130	6	“	"	PUNCT
fbem-16462	130	7	peer	peer	NOUN
fbem-16462	130	8	effect	effect	NOUN
fbem-16462	130	9	”	"	PUNCT
fbem-16462	130	10	in	in	ADP
fbem-16462	130	11	economics	economic	NOUN
fbem-16462	130	12	,	,	PUNCT
fbem-16462	130	13	i.e.	i.e.	X
fbem-16462	130	14	,	,	PUNCT
fbem-16462	130	15	“	"	PUNCT
fbem-16462	130	16	using	use	VERB
fbem-16462	130	17	the	the	DET
fbem-16462	130	18	upper	upper	ADJ
fbem-16462	130	19	level	level	NOUN
fbem-16462	130	20	data	datum	NOUN
fbem-16462	130	21	as	as	ADP
fbem-16462	130	22	an	an	DET
fbem-16462	130	23	instrumental	instrumental	ADJ
fbem-16462	130	24	variable	variable	NOUN
fbem-16462	130	25	for	for	ADP
fbem-16462	130	26	the	the	DET
fbem-16462	130	27	lower	low	ADJ
fbem-16462	130	28	level	level	NOUN
fbem-16462	130	29	data	datum	NOUN
fbem-16462	130	30	”	"	PUNCT
fbem-16462	130	31	,	,	PUNCT
fbem-16462	130	32	and	and	CCONJ
fbem-16462	130	33	drawing	draw	VERB
fbem-16462	130	34	on	on	ADP
fbem-16462	130	35	the	the	DET
fbem-16462	130	36	practice	practice	NOUN
fbem-16462	130	37	of	of	ADP
fbem-16462	130	38	scholars	scholar	NOUN
fbem-16462	130	39	such	such	ADJ
fbem-16462	130	40	as	as	ADP
fbem-16462	130	41	weijun	weijun	PROPN
fbem-16462	130	42	li	li	PROPN
fbem-16462	130	43	(	(	PUNCT
fbem-16462	130	44	2023	2023	NUM
fbem-16462	130	45	)	)	PUNCT
fbem-16462	130	46	,	,	PUNCT
fbem-16462	130	47	this	this	DET
fbem-16462	130	48	paper	paper	NOUN
fbem-16462	130	49	selects	select	VERB
fbem-16462	130	50	the	the	DET
fbem-16462	130	51	household	household	NOUN
fbem-16462	130	52	's	's	PART
fbem-16462	130	53	province	province	NOUN
fbem-16462	130	54	's	's	PART
fbem-16462	130	55	enterprise	enterprise	NOUN
fbem-16462	130	56	housing	housing	NOUN
fbem-16462	130	57	provident	provident	ADJ
fbem-16462	130	58	fund	fund	NOUN
fbem-16462	130	59	(	(	PUNCT
fbem-16462	130	60	epf	epf	PROPN
fbem-16462	130	61	)	)	PUNCT
fbem-16462	130	62	contribution	contribution	NOUN
fbem-16462	130	63	rate	rate	NOUN
fbem-16462	130	64	as	as	ADP
fbem-16462	130	65	an	an	DET
fbem-16462	130	66	instrumental	instrumental	ADJ
fbem-16462	130	67	variable	variable	NOUN
fbem-16462	130	68	,	,	PUNCT
fbem-16462	130	69	and	and	CCONJ
fbem-16462	130	70	then	then	ADV
fbem-16462	130	71	estimate	estimate	VERB
fbem-16462	130	72	it	it	PRON
fbem-16462	130	73	using	use	VERB
fbem-16462	130	74	the	the	DET
fbem-16462	130	75	iv	iv	NOUN
fbem-16462	130	76	-	-	PUNCT
fbem-16462	130	77	tobit	tobit	NOUN
fbem-16462	130	78	model	model	NOUN
fbem-16462	130	79	.	.	PUNCT
fbem-16462	131	1	the	the	DET
fbem-16462	131	2	logic	logic	NOUN
fbem-16462	131	3	of	of	ADP
fbem-16462	131	4	choosing	choose	VERB
fbem-16462	131	5	this	this	DET
fbem-16462	131	6	variable	variable	NOUN
fbem-16462	131	7	as	as	ADP
fbem-16462	131	8	an	an	DET
fbem-16462	131	9	instrumental	instrumental	ADJ
fbem-16462	131	10	variable	variable	NOUN
fbem-16462	131	11	is	be	AUX
fbem-16462	131	12	as	as	SCONJ
fbem-16462	131	13	follows	follow	VERB
fbem-16462	131	14	:	:	PUNCT
fbem-16462	131	15	on	on	ADP
fbem-16462	131	16	the	the	DET
fbem-16462	131	17	one	one	NUM
fbem-16462	131	18	hand	hand	NOUN
fbem-16462	131	19	,	,	PUNCT
fbem-16462	131	20	whether	whether	SCONJ
fbem-16462	131	21	an	an	DET
fbem-16462	131	22	urban	urban	ADJ
fbem-16462	131	23	household	household	NOUN
fbem-16462	131	24	holds	hold	VERB
fbem-16462	131	25	a	a	DET
fbem-16462	131	26	housing	housing	NOUN
fbem-16462	131	27	provident	provident	ADJ
fbem-16462	131	28	fund	fund	NOUN
fbem-16462	131	29	or	or	CCONJ
fbem-16462	131	30	not	not	PART
fbem-16462	131	31	is	be	AUX
fbem-16462	131	32	significantly	significantly	ADV
fbem-16462	131	33	correlated	correlate	VERB
fbem-16462	131	34	with	with	ADP
fbem-16462	131	35	the	the	DET
fbem-16462	131	36	enterprise	enterprise	NOUN
fbem-16462	131	37	housing	housing	PROPN
fbem-16462	131	38	provident	provident	ADJ
fbem-16462	131	39	fund	fund	NOUN
fbem-16462	131	40	contribution	contribution	NOUN
fbem-16462	131	41	rate	rate	NOUN
fbem-16462	131	42	in	in	ADP
fbem-16462	131	43	the	the	DET
fbem-16462	131	44	province	province	NOUN
fbem-16462	131	45	where	where	SCONJ
fbem-16462	131	46	the	the	DET
fbem-16462	131	47	household	household	NOUN
fbem-16462	131	48	is	be	AUX
fbem-16462	131	49	located	locate	VERB
fbem-16462	131	50	,	,	PUNCT
fbem-16462	131	51	due	due	ADP
fbem-16462	131	52	to	to	ADP
fbem-16462	131	53	the	the	DET
fbem-16462	131	54	influence	influence	NOUN
fbem-16462	131	55	of	of	ADP
fbem-16462	131	56	local	local	ADJ
fbem-16462	131	57	government	government	NOUN
fbem-16462	131	58	policies	policy	NOUN
fbem-16462	131	59	as	as	ADV
fbem-16462	131	60	well	well	ADV
fbem-16462	131	61	as	as	ADP
fbem-16462	131	62	social	social	ADJ
fbem-16462	131	63	networks	network	NOUN
fbem-16462	131	64	,	,	PUNCT
fbem-16462	131	65	which	which	PRON
fbem-16462	131	66	are	be	AUX
fbem-16462	131	67	constrained	constrain	VERB
fbem-16462	131	68	by	by	ADP
fbem-16462	131	69	the	the	DET
fbem-16462	131	70	provident	provident	ADJ
fbem-16462	131	71	fund	fund	NOUN
fbem-16462	131	72	system	system	NOUN
fbem-16462	131	73	.	.	PUNCT
fbem-16462	132	1	at	at	ADP
fbem-16462	132	2	the	the	DET
fbem-16462	132	3	same	same	ADJ
fbem-16462	132	4	time	time	NOUN
fbem-16462	132	5	,	,	PUNCT
fbem-16462	132	6	the	the	DET
fbem-16462	132	7	contribution	contribution	NOUN
fbem-16462	132	8	rate	rate	NOUN
fbem-16462	132	9	of	of	ADP
fbem-16462	132	10	the	the	DET
fbem-16462	132	11	enterprise	enterprise	NOUN
fbem-16462	132	12	housing	housing	NOUN
fbem-16462	132	13	fund	fund	NOUN
fbem-16462	132	14	in	in	ADP
fbem-16462	132	15	the	the	DET
fbem-16462	132	16	province	province	NOUN
fbem-16462	132	17	where	where	SCONJ
fbem-16462	132	18	the	the	DET
fbem-16462	132	19	household	household	NOUN
fbem-16462	132	20	is	be	AUX
fbem-16462	132	21	located	locate	VERB
fbem-16462	132	22	is	be	AUX
fbem-16462	132	23	determined	determine	VERB
fbem-16462	132	24	by	by	ADP
fbem-16462	132	25	the	the	DET
fbem-16462	132	26	provident	provident	ADJ
fbem-16462	132	27	fund	fund	NOUN
fbem-16462	132	28	policy	policy	NOUN
fbem-16462	132	29	of	of	ADP
fbem-16462	132	30	the	the	DET
fbem-16462	132	31	region	region	NOUN
fbem-16462	132	32	,	,	PUNCT
fbem-16462	132	33	which	which	PRON
fbem-16462	132	34	is	be	AUX
fbem-16462	132	35	not	not	PART
fbem-16462	132	36	directly	directly	ADV
fbem-16462	132	37	related	relate	VERB
fbem-16462	132	38	to	to	ADP
fbem-16462	132	39	the	the	DET
fbem-16462	132	40	investment	investment	NOUN
fbem-16462	132	41	decision	decision	NOUN
fbem-16462	132	42	of	of	ADP
fbem-16462	132	43	the	the	DET
fbem-16462	132	44	household	household	NOUN
fbem-16462	132	45	's	's	PART
fbem-16462	132	46	risky	risky	ADJ
fbem-16462	132	47	financial	financial	ADJ
fbem-16462	132	48	assets	asset	NOUN
fbem-16462	132	49	.	.	PUNCT
fbem-16462	133	1	therefore	therefore	ADV
fbem-16462	133	2	,	,	PUNCT
fbem-16462	133	3	it	it	PRON
fbem-16462	133	4	is	be	AUX
fbem-16462	133	5	reasonable	reasonable	ADJ
fbem-16462	133	6	for	for	SCONJ
fbem-16462	133	7	this	this	DET
fbem-16462	133	8	paper	paper	NOUN
fbem-16462	133	9	to	to	PART
fbem-16462	133	10	choose	choose	VERB
fbem-16462	133	11	the	the	DET
fbem-16462	133	12	contribution	contribution	NOUN
fbem-16462	133	13	rate	rate	NOUN
fbem-16462	133	14	of	of	ADP
fbem-16462	133	15	enterprise	enterprise	NOUN
fbem-16462	133	16	housing	housing	NOUN
fbem-16462	133	17	provident	provident	ADJ
fbem-16462	133	18	fund	fund	NOUN
fbem-16462	133	19	in	in	ADP
fbem-16462	133	20	the	the	DET
fbem-16462	133	21	province	province	NOUN
fbem-16462	133	22	where	where	SCONJ
fbem-16462	133	23	the	the	DET
fbem-16462	133	24	household	household	NOUN
fbem-16462	133	25	is	be	AUX
fbem-16462	133	26	located	locate	VERB
fbem-16462	133	27	as	as	ADP
fbem-16462	133	28	an	an	DET
fbem-16462	133	29	instrumental	instrumental	ADJ
fbem-16462	133	30	variable	variable	NOUN
fbem-16462	133	31	.	.	PUNCT
fbem-16462	134	1	table	table	NOUN
fbem-16462	134	2	4	4	NUM
fbem-16462	134	3	demonstrates	demonstrate	VERB
fbem-16462	134	4	the	the	DET
fbem-16462	134	5	regression	regression	NOUN
fbem-16462	134	6	results	result	NOUN
fbem-16462	134	7	of	of	ADP
fbem-16462	134	8	the	the	DET
fbem-16462	134	9	iv	iv	NUM
fbem-16462	134	10	-	-	PUNCT
fbem-16462	134	11	tobit	tobit	NOUN
fbem-16462	134	12	model	model	NOUN
fbem-16462	134	13	.	.	PUNCT
fbem-16462	135	1	the	the	DET
fbem-16462	135	2	f	f	NOUN
fbem-16462	135	3	-	-	PUNCT
fbem-16462	135	4	value	value	NOUN
fbem-16462	135	5	of	of	ADP
fbem-16462	135	6	the	the	DET
fbem-16462	135	7	weak	weak	ADJ
fbem-16462	135	8	instrumental	instrumental	ADJ
fbem-16462	135	9	variable	variable	ADJ
fbem-16462	135	10	test	test	NOUN
fbem-16462	135	11	in	in	ADP
fbem-16462	135	12	the	the	DET
fbem-16462	135	13	first	first	ADJ
fbem-16462	135	14	stage	stage	NOUN
fbem-16462	135	15	of	of	ADP
fbem-16462	135	16	the	the	DET
fbem-16462	135	17	two	two	NUM
fbem-16462	135	18	-	-	PUNCT
fbem-16462	135	19	stage	stage	NOUN
fbem-16462	135	20	regression	regression	NOUN
fbem-16462	135	21	is	be	AUX
fbem-16462	135	22	55.74	55.74	NUM
fbem-16462	135	23	,	,	PUNCT
fbem-16462	135	24	which	which	PRON
fbem-16462	135	25	is	be	AUX
fbem-16462	135	26	much	much	ADV
fbem-16462	135	27	higher	high	ADJ
fbem-16462	135	28	than	than	ADP
fbem-16462	135	29	the	the	DET
fbem-16462	135	30	value	value	NOUN
fbem-16462	135	31	of	of	ADP
fbem-16462	135	32	10	10	NUM
fbem-16462	135	33	suggested	suggest	VERB
fbem-16462	135	34	by	by	ADP
fbem-16462	135	35	the	the	DET
fbem-16462	135	36	rule	rule	NOUN
fbem-16462	135	37	of	of	ADP
fbem-16462	135	38	thumb	thumb	NOUN
fbem-16462	135	39	,	,	PUNCT
fbem-16462	135	40	which	which	PRON
fbem-16462	135	41	ensures	ensure	VERB
fbem-16462	135	42	the	the	DET
fbem-16462	135	43	correlation	correlation	NOUN
fbem-16462	135	44	between	between	ADP
fbem-16462	135	45	instrumental	instrumental	ADJ
fbem-16462	135	46	variables	variable	NOUN
fbem-16462	135	47	and	and	CCONJ
fbem-16462	135	48	endogenous	endogenous	ADJ
fbem-16462	135	49	variables	variable	NOUN
fbem-16462	135	50	,	,	PUNCT
fbem-16462	135	51	and	and	CCONJ
fbem-16462	135	52	the	the	DET
fbem-16462	135	53	absence	absence	NOUN
fbem-16462	135	54	of	of	ADP
fbem-16462	135	55	weak	weak	ADJ
fbem-16462	135	56	instrumental	instrumental	ADJ
fbem-16462	135	57	variables	variable	NOUN
fbem-16462	135	58	proves	prove	VERB
fbem-16462	135	59	the	the	DET
fbem-16462	135	60	reasonableness	reasonableness	NOUN
fbem-16462	135	61	of	of	ADP
fbem-16462	135	62	the	the	DET
fbem-16462	135	63	instrumental	instrumental	ADJ
fbem-16462	135	64	variable	variable	ADJ
fbem-16462	135	65	selection	selection	NOUN
fbem-16462	135	66	in	in	ADP
fbem-16462	135	67	this	this	DET
fbem-16462	135	68	paper	paper	NOUN
fbem-16462	135	69	.	.	PUNCT
fbem-16462	136	1	meanwhile	meanwhile	ADV
fbem-16462	136	2	,	,	PUNCT
fbem-16462	136	3	table	table	NOUN
fbem-16462	136	4	4	4	NUM
fbem-16462	136	5	also	also	ADV
fbem-16462	136	6	demonstrates	demonstrate	VERB
fbem-16462	136	7	the	the	DET
fbem-16462	136	8	p	p	NOUN
fbem-16462	136	9	-	-	PUNCT
fbem-16462	136	10	value	value	NOUN
fbem-16462	136	11	of	of	ADP
fbem-16462	136	12	wald	wald	PROPN
fbem-16462	136	13	test	test	NOUN
fbem-16462	136	14	,	,	PUNCT
fbem-16462	136	15	which	which	PRON
fbem-16462	136	16	significantly	significantly	ADV
fbem-16462	136	17	rejects	reject	VERB
fbem-16462	136	18	the	the	DET
fbem-16462	136	19	original	original	ADJ
fbem-16462	136	20	hypothesis	hypothesis	NOUN
fbem-16462	136	21	,	,	PUNCT
fbem-16462	136	22	indicating	indicate	VERB
fbem-16462	136	23	that	that	SCONJ
fbem-16462	136	24	there	there	PRON
fbem-16462	136	25	is	be	VERB
fbem-16462	136	26	some	some	DET
fbem-16462	136	27	endogeneity	endogeneity	NOUN
fbem-16462	136	28	in	in	ADP
fbem-16462	136	29	the	the	DET
fbem-16462	136	30	model	model	NOUN
fbem-16462	136	31	,	,	PUNCT
fbem-16462	136	32	and	and	CCONJ
fbem-16462	136	33	the	the	DET
fbem-16462	136	34	t	t	NOUN
fbem-16462	136	35	-	-	PUNCT
fbem-16462	136	36	test	test	NOUN
fbem-16462	136	37	is	be	AUX
fbem-16462	136	38	also	also	ADV
fbem-16462	136	39	very	very	ADV
fbem-16462	136	40	significant	significant	ADJ
fbem-16462	136	41	,	,	PUNCT
fbem-16462	136	42	and	and	CCONJ
fbem-16462	136	43	it	it	PRON
fbem-16462	136	44	can	can	AUX
fbem-16462	136	45	be	be	AUX
fbem-16462	136	46	considered	consider	VERB
fbem-16462	136	47	that	that	SCONJ
fbem-16462	136	48	the	the	DET
fbem-16462	136	49	results	result	NOUN
fbem-16462	136	50	of	of	ADP
fbem-16462	136	51	iv	iv	NOUN
fbem-16462	136	52	-	-	PUNCT
fbem-16462	136	53	tobit	tobit	NOUN
fbem-16462	136	54	estimation	estimation	NOUN
fbem-16462	136	55	in	in	ADP
fbem-16462	136	56	this	this	DET
fbem-16462	136	57	paper	paper	NOUN
fbem-16462	136	58	on	on	ADP
fbem-16462	136	59	this	this	DET
fbem-16462	136	60	basis	basis	NOUN
fbem-16462	136	61	are	be	AUX
fbem-16462	136	62	reliable	reliable	ADJ
fbem-16462	136	63	.	.	PUNCT
fbem-16462	137	1	143	143	NUM
fbem-16462	137	2	according	accord	VERB
fbem-16462	137	3	to	to	ADP
fbem-16462	137	4	the	the	DET
fbem-16462	137	5	results	result	NOUN
fbem-16462	137	6	given	give	VERB
fbem-16462	137	7	by	by	ADP
fbem-16462	137	8	the	the	DET
fbem-16462	137	9	iv	iv	PROPN
fbem-16462	137	10	-	-	PUNCT
fbem-16462	137	11	tobit	tobit	NOUN
fbem-16462	137	12	model	model	NOUN
fbem-16462	137	13	:	:	PUNCT
fbem-16462	137	14	the	the	DET
fbem-16462	137	15	holding	holding	NOUN
fbem-16462	137	16	of	of	ADP
fbem-16462	137	17	housing	housing	PROPN
fbem-16462	137	18	provident	provident	ADJ
fbem-16462	137	19	fund	fund	NOUN
fbem-16462	137	20	on	on	ADP
fbem-16462	137	21	the	the	DET
fbem-16462	137	22	investment	investment	NOUN
fbem-16462	137	23	of	of	ADP
fbem-16462	137	24	urban	urban	ADJ
fbem-16462	137	25	households	household	NOUN
fbem-16462	137	26	in	in	ADP
fbem-16462	137	27	financial	financial	ADJ
fbem-16462	137	28	products	product	NOUN
fbem-16462	137	29	as	as	ADV
fbem-16462	137	30	well	well	ADV
fbem-16462	137	31	as	as	ADP
fbem-16462	137	32	the	the	DET
fbem-16462	137	33	investment	investment	NOUN
fbem-16462	137	34	in	in	ADP
fbem-16462	137	35	risky	risky	ADJ
fbem-16462	137	36	financial	financial	ADJ
fbem-16462	137	37	assets	asset	NOUN
fbem-16462	137	38	are	be	AUX
fbem-16462	137	39	all	all	PRON
fbem-16462	137	40	significantly	significantly	ADV
fbem-16462	137	41	positive	positive	ADJ
fbem-16462	137	42	at	at	ADP
fbem-16462	137	43	the	the	DET
fbem-16462	137	44	1	1	NUM
fbem-16462	137	45	%	%	NOUN
fbem-16462	137	46	level	level	NOUN
fbem-16462	137	47	,	,	PUNCT
fbem-16462	137	48	which	which	PRON
fbem-16462	137	49	is	be	AUX
fbem-16462	137	50	consistent	consistent	ADJ
fbem-16462	137	51	with	with	ADP
fbem-16462	137	52	the	the	DET
fbem-16462	137	53	benchmark	benchmark	NOUN
fbem-16462	137	54	regression	regression	NOUN
fbem-16462	137	55	results	result	NOUN
fbem-16462	137	56	in	in	ADP
fbem-16462	137	57	table	table	NOUN
fbem-16462	137	58	2	2	NUM
fbem-16462	137	59	,	,	PUNCT
fbem-16462	137	60	indicating	indicate	VERB
fbem-16462	137	61	that	that	SCONJ
fbem-16462	137	62	the	the	DET
fbem-16462	137	63	results	result	NOUN
fbem-16462	137	64	are	be	AUX
fbem-16462	137	65	robust	robust	ADJ
fbem-16462	137	66	.	.	PUNCT
fbem-16462	138	1	table	table	NOUN
fbem-16462	138	2	4	4	NUM
fbem-16462	138	3	.	.	PUNCT
fbem-16462	139	1	instrumental	instrumental	ADJ
fbem-16462	139	2	variable	variable	ADJ
fbem-16462	139	3	regression	regression	NOUN
fbem-16462	139	4	(	(	PUNCT
fbem-16462	139	5	1	1	NUM
fbem-16462	139	6	)	)	PUNCT
fbem-16462	139	7	(	(	PUNCT
fbem-16462	139	8	2	2	X
fbem-16462	139	9	)	)	PUNCT
fbem-16462	139	10	fp	fp	NOUN
fbem-16462	139	11	-	-	PUNCT
fbem-16462	139	12	ratio	ratio	NOUN
fbem-16462	139	13	iv	iv	NUM
fbem-16462	139	14	-	-	PUNCT
fbem-16462	139	15	tobit	tobit	NOUN
fbem-16462	139	16	risk	risk	NOUN
fbem-16462	139	17	-	-	PUNCT
fbem-16462	139	18	ratio	ratio	NOUN
fbem-16462	139	19	iv	iv	NUM
fbem-16462	139	20	-	-	PUNCT
fbem-16462	139	21	tobit	tobit	NOUN
fbem-16462	139	22	hpf	hpf	NOUN
fbem-16462	139	23	1.459	1.459	NUM
fbem-16462	139	24	*	*	PUNCT
fbem-16462	139	25	*	*	PUNCT
fbem-16462	139	26	*	*	PUNCT
fbem-16462	139	27	1.589	1.589	NUM
fbem-16462	139	28	*	*	PUNCT
fbem-16462	139	29	*	*	PUNCT
fbem-16462	139	30	*	*	PUNCT
fbem-16462	139	31	(	(	PUNCT
fbem-16462	139	32	0.004	0.004	NUM
fbem-16462	139	33	)	)	PUNCT
fbem-16462	139	34	(	(	PUNCT
fbem-16462	139	35	0.003	0.003	NUM
fbem-16462	139	36	)	)	PUNCT
fbem-16462	139	37	control	control	NOUN
fbem-16462	139	38	variable	variable	NOUN
fbem-16462	140	1	yes	yes	INTJ
fbem-16462	140	2	yes	yes	INTJ
fbem-16462	140	3	wald	wald	ADJ
fbem-16462	140	4	endogeneity	endogeneity	NOUN
fbem-16462	140	5	test	test	NOUN
fbem-16462	140	6	(	(	PUNCT
fbem-16462	140	7	p	p	NOUN
fbem-16462	140	8	-	-	PUNCT
fbem-16462	140	9	value	value	NOUN
fbem-16462	140	10	)	)	PUNCT
fbem-16462	140	11	0.000	0.000	NUM
fbem-16462	140	12	0.000	0.000	NUM
fbem-16462	140	13	phase	phase	NOUN
fbem-16462	140	14	ⅰf	ⅰf	NOUN
fbem-16462	140	15	-	-	PUNCT
fbem-16462	140	16	value	value	NOUN
fbem-16462	140	17	55.74	55.74	NUM
fbem-16462	140	18	55.74	55.74	NUM
fbem-16462	140	19	value	value	NOUN
fbem-16462	140	20	of	of	ADP
fbem-16462	140	21	instrumental	instrumental	ADJ
fbem-16462	140	22	variable	variable	NOUN
fbem-16462	140	23	t	t	PROPN
fbem-16462	140	24	3.27	3.27	NUM
fbem-16462	140	25	3.27	3.27	NUM
fbem-16462	140	26	observations	observation	NOUN
fbem-16462	140	27	8975	8975	NUM
fbem-16462	140	28	8975	8975	NUM
fbem-16462	140	29	note	note	NOUN
fbem-16462	140	30	:	:	PUNCT
fbem-16462	140	31	*	*	PUNCT
fbem-16462	140	32	,	,	PUNCT
fbem-16462	140	33	*	*	PUNCT
fbem-16462	140	34	*	*	PUNCT
fbem-16462	140	35	,	,	PUNCT
fbem-16462	140	36	and	and	CCONJ
fbem-16462	140	37	*	*	PUNCT
fbem-16462	140	38	*	*	PUNCT
fbem-16462	140	39	*	*	PUNCT
fbem-16462	140	40	indicate	indicate	VERB
fbem-16462	140	41	significant	significant	ADJ
fbem-16462	140	42	at	at	ADP
fbem-16462	140	43	10	10	NUM
fbem-16462	140	44	%	%	NOUN
fbem-16462	140	45	,	,	PUNCT
fbem-16462	140	46	5	5	NUM
fbem-16462	140	47	%	%	NOUN
fbem-16462	140	48	,	,	PUNCT
fbem-16462	140	49	and	and	CCONJ
fbem-16462	140	50	1	1	NUM
fbem-16462	140	51	%	%	NOUN
fbem-16462	140	52	levels	level	NOUN
fbem-16462	140	53	,	,	PUNCT
fbem-16462	140	54	respectively	respectively	ADV
fbem-16462	140	55	,	,	PUNCT
fbem-16462	140	56	and	and	CCONJ
fbem-16462	140	57	values	value	NOUN
fbem-16462	140	58	in	in	ADP
fbem-16462	140	59	parentheses	parenthesis	NOUN
fbem-16462	140	60	in	in	ADP
fbem-16462	140	61	the	the	DET
fbem-16462	140	62	table	table	NOUN
fbem-16462	140	63	are	be	AUX
fbem-16462	140	64	standard	standard	ADJ
fbem-16462	140	65	errors	error	NOUN
fbem-16462	140	66	.	.	PUNCT
fbem-16462	141	1	4.2.3	4.2.3	X
fbem-16462	141	2	.	.	PUNCT
fbem-16462	142	1	sample	sample	NOUN
fbem-16462	142	2	selectivity	selectivity	NOUN
fbem-16462	142	3	bias	bias	NOUN
fbem-16462	142	4	in	in	ADP
fbem-16462	142	5	this	this	DET
fbem-16462	142	6	paper	paper	NOUN
fbem-16462	142	7	,	,	PUNCT
fbem-16462	142	8	the	the	DET
fbem-16462	142	9	propensity	propensity	NOUN
fbem-16462	142	10	score	score	NOUN
fbem-16462	142	11	matching	matching	NOUN
fbem-16462	142	12	(	(	PUNCT
fbem-16462	142	13	psm	psm	NOUN
fbem-16462	142	14	)	)	PUNCT
fbem-16462	142	15	method	method	NOUN
fbem-16462	142	16	is	be	AUX
fbem-16462	142	17	used	use	VERB
fbem-16462	142	18	for	for	ADP
fbem-16462	142	19	robustness	robustness	NOUN
fbem-16462	142	20	testing	testing	NOUN
fbem-16462	142	21	as	as	ADP
fbem-16462	142	22	a	a	DET
fbem-16462	142	23	way	way	NOUN
fbem-16462	142	24	to	to	PART
fbem-16462	142	25	reduce	reduce	VERB
fbem-16462	142	26	endogeneity	endogeneity	NOUN
fbem-16462	142	27	problems	problem	NOUN
fbem-16462	142	28	that	that	PRON
fbem-16462	142	29	may	may	AUX
fbem-16462	142	30	arise	arise	VERB
fbem-16462	142	31	due	due	ADP
fbem-16462	142	32	to	to	ADP
fbem-16462	142	33	sample	sample	VERB
fbem-16462	142	34	selectivity	selectivity	NOUN
fbem-16462	142	35	bias	bias	NOUN
fbem-16462	142	36	,	,	PUNCT
fbem-16462	142	37	neglected	neglect	VERB
fbem-16462	142	38	observations	observation	NOUN
fbem-16462	142	39	,	,	PUNCT
fbem-16462	142	40	etc	etc	X
fbem-16462	142	41	.	.	X
fbem-16462	142	42	in	in	ADP
fbem-16462	142	43	this	this	DET
fbem-16462	142	44	paper	paper	NOUN
fbem-16462	142	45	,	,	PUNCT
fbem-16462	142	46	three	three	NUM
fbem-16462	142	47	methods	method	NOUN
fbem-16462	142	48	of	of	ADP
fbem-16462	142	49	radius	radius	NOUN
fbem-16462	142	50	matching	matching	NOUN
fbem-16462	142	51	,	,	PUNCT
fbem-16462	142	52	1:1	1:1	NUM
fbem-16462	142	53	nearest	near	ADJ
fbem-16462	142	54	neighbor	neighbor	NOUN
fbem-16462	142	55	matching	matching	NOUN
fbem-16462	142	56	,	,	PUNCT
fbem-16462	142	57	and	and	CCONJ
fbem-16462	142	58	kernel	kernel	PROPN
fbem-16462	142	59	matching	matching	NOUN
fbem-16462	142	60	are	be	AUX
fbem-16462	142	61	used	use	VERB
fbem-16462	142	62	for	for	ADP
fbem-16462	142	63	the	the	DET
fbem-16462	142	64	test	test	NOUN
fbem-16462	142	65	,	,	PUNCT
fbem-16462	142	66	and	and	CCONJ
fbem-16462	142	67	the	the	DET
fbem-16462	142	68	results	result	NOUN
fbem-16462	142	69	are	be	AUX
fbem-16462	142	70	basically	basically	ADV
fbem-16462	142	71	the	the	DET
fbem-16462	142	72	same	same	ADJ
fbem-16462	142	73	(	(	PUNCT
fbem-16462	142	74	see	see	VERB
fbem-16462	142	75	table	table	NOUN
fbem-16462	142	76	5	5	NUM
fbem-16462	142	77	)	)	PUNCT
fbem-16462	142	78	,	,	PUNCT
fbem-16462	142	79	and	and	CCONJ
fbem-16462	142	80	the	the	DET
fbem-16462	142	81	housing	housing	PROPN
fbem-16462	142	82	provident	provident	ADJ
fbem-16462	142	83	fund	fund	NOUN
fbem-16462	142	84	is	be	AUX
fbem-16462	142	85	a	a	DET
fbem-16462	142	86	significant	significant	ADJ
fbem-16462	142	87	positive	positive	ADJ
fbem-16462	142	88	promoter	promoter	NOUN
fbem-16462	142	89	of	of	ADP
fbem-16462	142	90	urban	urban	ADJ
fbem-16462	142	91	households	household	NOUN
fbem-16462	142	92	’	'	PUNCT
fbem-16462	142	93	investment	investment	NOUN
fbem-16462	142	94	in	in	ADP
fbem-16462	142	95	financial	financial	ADJ
fbem-16462	142	96	products	product	NOUN
fbem-16462	142	97	as	as	ADV
fbem-16462	142	98	well	well	ADV
fbem-16462	142	99	as	as	ADP
fbem-16462	142	100	risky	risky	ADJ
fbem-16462	142	101	financial	financial	ADJ
fbem-16462	142	102	assets	asset	NOUN
fbem-16462	142	103	,	,	PUNCT
fbem-16462	142	104	which	which	PRON
fbem-16462	142	105	is	be	AUX
fbem-16462	142	106	consistent	consistent	ADJ
fbem-16462	142	107	with	with	ADP
fbem-16462	142	108	the	the	DET
fbem-16462	142	109	benchmark	benchmark	NOUN
fbem-16462	142	110	regression	regression	NOUN
fbem-16462	142	111	,	,	PUNCT
fbem-16462	142	112	thus	thus	ADV
fbem-16462	142	113	indicating	indicate	VERB
fbem-16462	142	114	that	that	SCONJ
fbem-16462	142	115	the	the	DET
fbem-16462	142	116	regression	regression	NOUN
fbem-16462	142	117	results	result	NOUN
fbem-16462	142	118	are	be	AUX
fbem-16462	142	119	robust	robust	ADJ
fbem-16462	142	120	.	.	PUNCT
fbem-16462	143	1	table	table	NOUN
fbem-16462	143	2	5	5	NUM
fbem-16462	143	3	.	.	PUNCT
fbem-16462	144	1	robustness	robustness	NOUN
fbem-16462	144	2	test	test	NOUN
fbem-16462	144	3	:	:	PUNCT
fbem-16462	144	4	propensity	propensity	NOUN
fbem-16462	144	5	score	score	NOUN
fbem-16462	144	6	matching	matching	NOUN
fbem-16462	144	7	method	method	NOUN
fbem-16462	144	8	(	(	PUNCT
fbem-16462	144	9	psm	psm	NOUN
fbem-16462	144	10	)	)	PUNCT
fbem-16462	144	11	kind	kind	ADJ
fbem-16462	144	12	fp	fp	PROPN
fbem-16462	144	13	-	-	PUNCT
fbem-16462	144	14	ratio	ratio	NOUN
fbem-16462	144	15	risk	risk	NOUN
fbem-16462	144	16	-	-	PUNCT
fbem-16462	144	17	ratio	ratio	NOUN
fbem-16462	144	18	experimental	experimental	ADJ
fbem-16462	144	19	group	group	PROPN
fbem-16462	144	20	control	control	PROPN
fbem-16462	144	21	group	group	PROPN
fbem-16462	144	22	att	att	PROPN
fbem-16462	144	23	experimental	experimental	PROPN
fbem-16462	144	24	group	group	PROPN
fbem-16462	144	25	control	control	PROPN
fbem-16462	144	26	group	group	PROPN
fbem-16462	144	27	att	att	PROPN
fbem-16462	144	28	unmatched	unmatche	VERB
fbem-16462	144	29	0.056	0.056	NUM
fbem-16462	144	30	0.033	0.033	NUM
fbem-16462	144	31	0.073	0.073	NUM
fbem-16462	144	32	0.037	0.037	NUM
fbem-16462	144	33	radius	radius	NOUN
fbem-16462	144	34	match	match	NOUN
fbem-16462	144	35	0.056	0.056	NUM
fbem-16462	144	36	0.037	0.037	NUM
fbem-16462	144	37	0.019	0.019	NUM
fbem-16462	144	38	*	*	PUNCT
fbem-16462	144	39	*	*	PUNCT
fbem-16462	144	40	*	*	PUNCT
fbem-16462	144	41	（	（	PUNCT
fbem-16462	144	42	6.130	6.130	NUM
fbem-16462	144	43	）	）	NOUN
fbem-16462	144	44	0.073	0.073	NUM
fbem-16462	144	45	0.042	0.042	NUM
fbem-16462	144	46	0.030	0.030	NUM
fbem-16462	144	47	*	*	PUNCT
fbem-16462	144	48	*	*	PUNCT
fbem-16462	144	49	*	*	PUNCT
fbem-16462	144	50	（	（	PUNCT
fbem-16462	144	51	8.910	8.910	NUM
fbem-16462	144	52	）	）	SYM
fbem-16462	144	53	1:1	1:1	NUM
fbem-16462	144	54	nearest	near	ADJ
fbem-16462	144	55	neighbor	neighbor	NOUN
fbem-16462	144	56	matching	match	VERB
fbem-16462	144	57	0.056	0.056	NUM
fbem-16462	144	58	0.037	0.037	NUM
fbem-16462	144	59	0.018	0.018	NUM
fbem-16462	144	60	*	*	PUNCT
fbem-16462	144	61	*	*	PUNCT
fbem-16462	144	62	*	*	PUNCT
fbem-16462	144	63	（	（	PUNCT
fbem-16462	144	64	4.810	4.810	NUM
fbem-16462	144	65	）	）	NOUN
fbem-16462	144	66	0.073	0.073	NUM
fbem-16462	144	67	0.045	0.045	NUM
fbem-16462	144	68	0.028	0.028	NUM
fbem-16462	144	69	*	*	PUNCT
fbem-16462	144	70	*	*	PUNCT
fbem-16462	144	71	*	*	PUNCT
fbem-16462	144	72	（	（	PUNCT
fbem-16462	144	73	6.660	6.660	NUM
fbem-16462	144	74	）	）	SYM
fbem-16462	144	75	nuclear	nuclear	ADJ
fbem-16462	144	76	matching	match	VERB
fbem-16462	144	77	0.056	0.056	NUM
fbem-16462	144	78	0.036	0.036	NUM
fbem-16462	144	79	0.020	0.020	NUM
fbem-16462	144	80	*	*	PUNCT
fbem-16462	144	81	*	*	PUNCT
fbem-16462	144	82	*	*	PUNCT
fbem-16462	144	83	（	（	PUNCT
fbem-16462	144	84	5.950	5.950	NUM
fbem-16462	144	85	）	）	NOUN
fbem-16462	144	86	0.073	0.073	NUM
fbem-16462	144	87	0.041	0.041	NUM
fbem-16462	144	88	0.032	0.032	NUM
fbem-16462	144	89	*	*	PUNCT
fbem-16462	144	90	*	*	PUNCT
fbem-16462	144	91	*	*	PUNCT
fbem-16462	144	92	（	（	PUNCT
fbem-16462	144	93	8.550	8.550	NUM
fbem-16462	144	94	）	）	PUNCT
fbem-16462	144	95	note	note	NOUN
fbem-16462	144	96	:	:	PUNCT
fbem-16462	144	97	*	*	PUNCT
fbem-16462	144	98	,	,	PUNCT
fbem-16462	144	99	*	*	PUNCT
fbem-16462	144	100	*	*	PUNCT
fbem-16462	144	101	,	,	PUNCT
fbem-16462	144	102	and	and	CCONJ
fbem-16462	144	103	*	*	PUNCT
fbem-16462	144	104	*	*	PUNCT
fbem-16462	144	105	*	*	PUNCT
fbem-16462	144	106	indicate	indicate	VERB
fbem-16462	144	107	significant	significant	ADJ
fbem-16462	144	108	at	at	ADP
fbem-16462	144	109	10	10	NUM
fbem-16462	144	110	%	%	NOUN
fbem-16462	144	111	,	,	PUNCT
fbem-16462	144	112	5	5	NUM
fbem-16462	144	113	%	%	NOUN
fbem-16462	144	114	,	,	PUNCT
fbem-16462	144	115	and	and	CCONJ
fbem-16462	144	116	1	1	NUM
fbem-16462	144	117	%	%	NOUN
fbem-16462	144	118	levels	level	NOUN
fbem-16462	144	119	,	,	PUNCT
fbem-16462	144	120	respectively	respectively	ADV
fbem-16462	144	121	,	,	PUNCT
fbem-16462	144	122	and	and	CCONJ
fbem-16462	144	123	values	value	NOUN
fbem-16462	144	124	in	in	ADP
fbem-16462	144	125	parentheses	parenthesis	NOUN
fbem-16462	144	126	in	in	ADP
fbem-16462	144	127	the	the	DET
fbem-16462	144	128	table	table	NOUN
fbem-16462	144	129	are	be	AUX
fbem-16462	144	130	standard	standard	ADJ
fbem-16462	144	131	errors	error	NOUN
fbem-16462	144	132	.	.	PUNCT
fbem-16462	145	1	4.3	4.3	NUM
fbem-16462	145	2	.	.	PUNCT
fbem-16462	146	1	heterogeneity	heterogeneity	NOUN
fbem-16462	146	2	analysis	analysis	NOUN
fbem-16462	146	3	this	this	DET
fbem-16462	146	4	section	section	NOUN
fbem-16462	146	5	categorizes	categorize	VERB
fbem-16462	146	6	the	the	DET
fbem-16462	146	7	sample	sample	NOUN
fbem-16462	146	8	based	base	VERB
fbem-16462	146	9	on	on	ADP
fbem-16462	146	10	two	two	NUM
fbem-16462	146	11	variables	variable	NOUN
fbem-16462	146	12	,	,	PUNCT
fbem-16462	146	13	the	the	DET
fbem-16462	146	14	household	household	NOUN
fbem-16462	146	15	's	's	PART
fbem-16462	146	16	income	income	NOUN
fbem-16462	146	17	level	level	NOUN
fbem-16462	146	18	and	and	CCONJ
fbem-16462	146	19	the	the	DET
fbem-16462	146	20	household	household	NOUN
fbem-16462	146	21	's	's	PART
fbem-16462	146	22	financial	financial	ADJ
fbem-16462	146	23	literacy	literacy	NOUN
fbem-16462	146	24	,	,	PUNCT
fbem-16462	146	25	and	and	CCONJ
fbem-16462	146	26	examines	examine	VERB
fbem-16462	146	27	the	the	DET
fbem-16462	146	28	impact	impact	NOUN
fbem-16462	146	29	of	of	ADP
fbem-16462	146	30	housing	housing	NOUN
fbem-16462	146	31	provident	provident	ADJ
fbem-16462	146	32	funds	fund	NOUN
fbem-16462	146	33	on	on	ADP
fbem-16462	146	34	the	the	DET
fbem-16462	146	35	household	household	NOUN
fbem-16462	146	36	's	's	PART
fbem-16462	146	37	investment	investment	NOUN
fbem-16462	146	38	in	in	ADP
fbem-16462	146	39	risky	risky	ADJ
fbem-16462	146	40	financial	financial	ADJ
fbem-16462	146	41	assets	asset	NOUN
fbem-16462	146	42	.	.	PUNCT
fbem-16462	147	1	the	the	DET
fbem-16462	147	2	estimation	estimation	NOUN
fbem-16462	147	3	results	result	NOUN
fbem-16462	147	4	are	be	AUX
fbem-16462	147	5	presented	present	VERB
fbem-16462	147	6	in	in	ADP
fbem-16462	147	7	table	table	NOUN
fbem-16462	147	8	6	6	NUM
fbem-16462	147	9	below	below	ADV
fbem-16462	147	10	.	.	PUNCT
fbem-16462	148	1	4.3.1	4.3.1	X
fbem-16462	148	2	.	.	PUNCT
fbem-16462	149	1	heterogeneity	heterogeneity	NOUN
fbem-16462	149	2	in	in	ADP
fbem-16462	149	3	household	household	NOUN
fbem-16462	149	4	income	income	NOUN
fbem-16462	149	5	levels	level	NOUN
fbem-16462	149	6	based	base	VERB
fbem-16462	149	7	on	on	ADP
fbem-16462	149	8	the	the	DET
fbem-16462	149	9	level	level	NOUN
fbem-16462	149	10	of	of	ADP
fbem-16462	149	11	the	the	DET
fbem-16462	149	12	household	household	NOUN
fbem-16462	149	13	's	's	PART
fbem-16462	149	14	income	income	NOUN
fbem-16462	149	15	,	,	PUNCT
fbem-16462	149	16	this	this	DET
fbem-16462	149	17	paper	paper	NOUN
fbem-16462	149	18	categorizes	categorize	VERB
fbem-16462	149	19	the	the	DET
fbem-16462	149	20	sample	sample	NOUN
fbem-16462	149	21	households	household	NOUN
fbem-16462	149	22	into	into	ADP
fbem-16462	149	23	three	three	NUM
fbem-16462	149	24	groups	group	NOUN
fbem-16462	149	25	:	:	PUNCT
fbem-16462	149	26	lowincome	lowincome	NOUN
fbem-16462	149	27	,	,	PUNCT
fbem-16462	149	28	middle	middle	ADJ
fbem-16462	149	29	-	-	PUNCT
fbem-16462	149	30	income	income	NOUN
fbem-16462	149	31	,	,	PUNCT
fbem-16462	149	32	and	and	CCONJ
fbem-16462	149	33	high	high	ADJ
fbem-16462	149	34	-	-	PUNCT
fbem-16462	149	35	income	income	NOUN
fbem-16462	149	36	.	.	PUNCT
fbem-16462	150	1	based	base	VERB
fbem-16462	150	2	on	on	ADP
fbem-16462	150	3	the	the	DET
fbem-16462	150	4	research	research	NOUN
fbem-16462	150	5	of	of	ADP
fbem-16462	150	6	markus	markus	NOUN
fbem-16462	150	7	(	(	PUNCT
fbem-16462	150	8	2016	2016	NUM
fbem-16462	150	9	)	)	PUNCT
fbem-16462	150	10	and	and	CCONJ
fbem-16462	150	11	other	other	ADJ
fbem-16462	150	12	scholars	scholar	NOUN
fbem-16462	150	13	,	,	PUNCT
fbem-16462	150	14	this	this	DET
fbem-16462	150	15	paper	paper	NOUN
fbem-16462	150	16	defines	define	VERB
fbem-16462	150	17	the	the	DET
fbem-16462	150	18	middle	middle	ADJ
fbem-16462	150	19	-	-	PUNCT
fbem-16462	150	20	income	income	NOUN
fbem-16462	150	21	group	group	NOUN
fbem-16462	150	22	as	as	ADP
fbem-16462	150	23	67%-200	67%-200	NUM
fbem-16462	150	24	%	%	NOUN
fbem-16462	150	25	of	of	ADP
fbem-16462	150	26	the	the	DET
fbem-16462	150	27	median	median	ADJ
fbem-16462	150	28	income	income	NOUN
fbem-16462	150	29	,	,	PUNCT
fbem-16462	150	30	so	so	SCONJ
fbem-16462	150	31	that	that	SCONJ
fbem-16462	150	32	those	those	DET
fbem-16462	150	33	below	below	ADP
fbem-16462	150	34	67	67	NUM
fbem-16462	150	35	%	%	NOUN
fbem-16462	150	36	of	of	ADP
fbem-16462	150	37	the	the	DET
fbem-16462	150	38	median	median	ADJ
fbem-16462	150	39	household	household	NOUN
fbem-16462	150	40	income	income	NOUN
fbem-16462	150	41	level	level	NOUN
fbem-16462	150	42	are	be	AUX
fbem-16462	150	43	defined	define	VERB
fbem-16462	150	44	as	as	ADP
fbem-16462	150	45	the	the	DET
fbem-16462	150	46	lowincome	lowincome	NOUN
fbem-16462	150	47	group	group	NOUN
fbem-16462	150	48	,	,	PUNCT
fbem-16462	150	49	and	and	CCONJ
fbem-16462	150	50	those	those	PRON
fbem-16462	150	51	above	above	ADP
fbem-16462	150	52	200	200	NUM
fbem-16462	150	53	%	%	NOUN
fbem-16462	150	54	of	of	ADP
fbem-16462	150	55	the	the	DET
fbem-16462	150	56	median	median	ADJ
fbem-16462	150	57	household	household	NOUN
fbem-16462	150	58	income	income	NOUN
fbem-16462	150	59	are	be	AUX
fbem-16462	150	60	defined	define	VERB
fbem-16462	150	61	as	as	ADP
fbem-16462	150	62	the	the	DET
fbem-16462	150	63	highincome	highincome	ADJ
fbem-16462	150	64	group	group	NOUN
fbem-16462	150	65	.	.	PUNCT
fbem-16462	151	1	regressions	regression	NOUN
fbem-16462	151	2	were	be	AUX
fbem-16462	151	3	performed	perform	VERB
fbem-16462	151	4	after	after	ADP
fbem-16462	151	5	grouping	group	VERB
fbem-16462	151	6	and	and	CCONJ
fbem-16462	151	7	suest	su	ADJ
fbem-16462	151	8	test	test	NOUN
fbem-16462	151	9	,	,	PUNCT
fbem-16462	151	10	and	and	CCONJ
fbem-16462	151	11	the	the	DET
fbem-16462	151	12	regression	regression	NOUN
fbem-16462	151	13	results	result	NOUN
fbem-16462	151	14	are	be	AUX
fbem-16462	151	15	shown	show	VERB
fbem-16462	151	16	in	in	ADP
fbem-16462	151	17	the	the	DET
fbem-16462	151	18	first	first	ADJ
fbem-16462	151	19	half	half	NOUN
fbem-16462	151	20	of	of	ADP
fbem-16462	151	21	table	table	NOUN
fbem-16462	151	22	6	6	NUM
fbem-16462	151	23	.	.	PUNCT
fbem-16462	152	1	for	for	ADP
fbem-16462	152	2	different	different	ADJ
fbem-16462	152	3	income	income	NOUN
fbem-16462	152	4	households	household	NOUN
fbem-16462	152	5	,	,	PUNCT
fbem-16462	152	6	holding	hold	VERB
fbem-16462	152	7	housing	housing	NOUN
fbem-16462	152	8	provident	provident	ADJ
fbem-16462	152	9	funds	fund	NOUN
fbem-16462	152	10	makes	make	VERB
fbem-16462	152	11	a	a	DET
fbem-16462	152	12	difference	difference	NOUN
fbem-16462	152	13	in	in	ADP
fbem-16462	152	14	the	the	DET
fbem-16462	152	15	investment	investment	NOUN
fbem-16462	152	16	of	of	ADP
fbem-16462	152	17	urban	urban	ADJ
fbem-16462	152	18	households	household	NOUN
fbem-16462	152	19	in	in	ADP
fbem-16462	152	20	financial	financial	ADJ
fbem-16462	152	21	products	product	NOUN
fbem-16462	152	22	as	as	ADV
fbem-16462	152	23	well	well	ADV
fbem-16462	152	24	as	as	ADP
fbem-16462	152	25	risky	risky	ADJ
fbem-16462	152	26	financial	financial	ADJ
fbem-16462	152	27	assets	asset	NOUN
fbem-16462	152	28	,	,	PUNCT
fbem-16462	152	29	with	with	ADP
fbem-16462	152	30	low	low	ADJ
fbem-16462	152	31	-	-	PUNCT
fbem-16462	152	32	income	income	NOUN
fbem-16462	152	33	households	household	NOUN
fbem-16462	152	34	having	have	VERB
fbem-16462	152	35	the	the	DET
fbem-16462	152	36	greatest	great	ADJ
fbem-16462	152	37	impact	impact	NOUN
fbem-16462	152	38	.	.	PUNCT
fbem-16462	153	1	according	accord	VERB
fbem-16462	153	2	to	to	ADP
fbem-16462	153	3	the	the	DET
fbem-16462	153	4	analysis	analysis	NOUN
fbem-16462	153	5	of	of	ADP
fbem-16462	153	6	chfs	chfs	ADJ
fbem-16462	153	7	data	datum	NOUN
fbem-16462	153	8	,	,	PUNCT
fbem-16462	153	9	financial	financial	ADJ
fbem-16462	153	10	products	product	NOUN
fbem-16462	153	11	in	in	ADP
fbem-16462	153	12	the	the	DET
fbem-16462	153	13	sample	sample	NOUN
fbem-16462	153	14	data	datum	NOUN
fbem-16462	153	15	are	be	AUX
fbem-16462	153	16	the	the	DET
fbem-16462	153	17	most	most	ADV
fbem-16462	153	18	important	important	ADJ
fbem-16462	153	19	type	type	NOUN
fbem-16462	153	20	of	of	ADP
fbem-16462	153	21	investment	investment	NOUN
fbem-16462	153	22	for	for	ADP
fbem-16462	153	23	current	current	ADJ
fbem-16462	153	24	households	household	NOUN
fbem-16462	153	25	,	,	PUNCT
fbem-16462	153	26	and	and	CCONJ
fbem-16462	153	27	low	low	ADJ
fbem-16462	153	28	-	-	PUNCT
fbem-16462	153	29	income	income	NOUN
fbem-16462	153	30	households	household	NOUN
fbem-16462	153	31	tend	tend	VERB
fbem-16462	153	32	to	to	PART
fbem-16462	153	33	invest	invest	VERB
fbem-16462	153	34	in	in	ADP
fbem-16462	153	35	lower	low	ADJ
fbem-16462	153	36	-	-	PUNCT
fbem-16462	153	37	risk	risk	NOUN
fbem-16462	153	38	financial	financial	ADJ
fbem-16462	153	39	products	product	NOUN
fbem-16462	153	40	.	.	PUNCT
fbem-16462	154	1	4.3.2	4.3.2	X
fbem-16462	154	2	.	.	PUNCT
fbem-16462	155	1	heterogeneity	heterogeneity	NOUN
fbem-16462	155	2	in	in	ADP
fbem-16462	155	3	household	household	NOUN
fbem-16462	155	4	financial	financial	ADJ
fbem-16462	155	5	literacy	literacy	NOUN
fbem-16462	155	6	household	household	NOUN
fbem-16462	155	7	financial	financial	ADJ
fbem-16462	155	8	literacy	literacy	NOUN
fbem-16462	155	9	is	be	AUX
fbem-16462	155	10	an	an	DET
fbem-16462	155	11	indication	indication	NOUN
fbem-16462	155	12	of	of	ADP
fbem-16462	155	13	how	how	SCONJ
fbem-16462	155	14	well	well	ADV
fbem-16462	155	15	a	a	DET
fbem-16462	155	16	household	household	NOUN
fbem-16462	155	17	understands	understand	VERB
fbem-16462	155	18	financial	financial	ADJ
fbem-16462	155	19	literacy	literacy	NOUN
fbem-16462	155	20	and	and	CCONJ
fbem-16462	155	21	represents	represent	VERB
fbem-16462	155	22	its	its	PRON
fbem-16462	155	23	ability	ability	NOUN
fbem-16462	155	24	to	to	PART
fbem-16462	155	25	manage	manage	VERB
fbem-16462	155	26	financial	financial	ADJ
fbem-16462	155	27	resources	resource	NOUN
fbem-16462	155	28	.	.	PUNCT
fbem-16462	156	1	drawing	draw	VERB
fbem-16462	156	2	on	on	ADP
fbem-16462	156	3	zhichao	zhichao	PROPN
fbem-16462	156	4	yin	yin	PROPN
fbem-16462	156	5	(	(	PUNCT
fbem-16462	156	6	2014	2014	NUM
fbem-16462	156	7	)	)	PUNCT
fbem-16462	156	8	and	and	CCONJ
fbem-16462	156	9	other	other	ADJ
fbem-16462	156	10	scholars	scholar	NOUN
fbem-16462	156	11	as	as	ADV
fbem-16462	156	12	well	well	ADV
fbem-16462	156	13	as	as	ADP
fbem-16462	156	14	zaihua	zaihua	PROPN
fbem-16462	156	15	wu	wu	PROPN
fbem-16462	156	16	(	(	PUNCT
fbem-16462	156	17	2017	2017	NUM
fbem-16462	156	18	)	)	PUNCT
fbem-16462	156	19	,	,	PUNCT
fbem-16462	156	20	this	this	DET
fbem-16462	156	21	paper	paper	NOUN
fbem-16462	156	22	defines	define	VERB
fbem-16462	156	23	household	household	NOUN
fbem-16462	156	24	financial	financial	ADJ
fbem-16462	156	25	literacy	literacy	NOUN
fbem-16462	156	26	based	base	VERB
fbem-16462	156	27	on	on	ADP
fbem-16462	156	28	the	the	DET
fbem-16462	156	29	household	household	NOUN
fbem-16462	156	30	's	's	PART
fbem-16462	156	31	responses	response	NOUN
fbem-16462	156	32	to	to	ADP
fbem-16462	156	33	three	three	NUM
fbem-16462	156	34	questions	question	NOUN
fbem-16462	156	35	in	in	ADP
fbem-16462	156	36	the	the	DET
fbem-16462	156	37	2019	2019	NUM
fbem-16462	156	38	chfs	chfs	NOUN
fbem-16462	156	39	questionnaire	questionnaire	NOUN
fbem-16462	156	40	on	on	ADP
fbem-16462	156	41	interest	interest	NOUN
fbem-16462	156	42	rate	rate	NOUN
fbem-16462	156	43	calculations	calculation	NOUN
fbem-16462	156	44	,	,	PUNCT
fbem-16462	156	45	inflation	inflation	NOUN
fbem-16462	156	46	rates	rate	NOUN
fbem-16462	156	47	,	,	PUNCT
fbem-16462	156	48	and	and	CCONJ
fbem-16462	156	49	stock	stock	NOUN
fbem-16462	156	50	sector	sector	NOUN
fbem-16462	156	51	risk	risk	NOUN
fbem-16462	156	52	perceptions	perception	NOUN
fbem-16462	156	53	,	,	PUNCT
fbem-16462	156	54	and	and	CCONJ
fbem-16462	156	55	explores	explore	VERB
fbem-16462	156	56	the	the	DET
fbem-16462	156	57	impact	impact	NOUN
fbem-16462	156	58	of	of	ADP
fbem-16462	156	59	whether	whether	SCONJ
fbem-16462	156	60	or	or	CCONJ
fbem-16462	156	61	not	not	PART
fbem-16462	156	62	households	household	NOUN
fbem-16462	156	63	with	with	ADP
fbem-16462	156	64	different	different	ADJ
fbem-16462	156	65	levels	level	NOUN
fbem-16462	156	66	of	of	ADP
fbem-16462	156	67	financial	financial	ADJ
fbem-16462	156	68	literacy	literacy	NOUN
fbem-16462	156	69	hold	hold	VERB
fbem-16462	156	70	a	a	DET
fbem-16462	156	71	housing	housing	NOUN
fbem-16462	156	72	provident	provident	ADJ
fbem-16462	156	73	fund	fund	NOUN
fbem-16462	156	74	(	(	PUNCT
fbem-16462	156	75	hpf	hpf	NOUN
fbem-16462	156	76	)	)	PUNCT
fbem-16462	156	77	on	on	ADP
fbem-16462	156	78	investment	investment	NOUN
fbem-16462	156	79	in	in	ADP
fbem-16462	156	80	risky	risky	ADJ
fbem-16462	156	81	financial	financial	ADJ
fbem-16462	156	82	assets	asset	NOUN
fbem-16462	156	83	.	.	PUNCT
fbem-16462	157	1	if	if	SCONJ
fbem-16462	157	2	a	a	DET
fbem-16462	157	3	family	family	NOUN
fbem-16462	157	4	answers	answer	VERB
fbem-16462	157	5	all	all	DET
fbem-16462	157	6	three	three	NUM
fbem-16462	157	7	questions	question	NOUN
fbem-16462	157	8	correctly	correctly	ADV
fbem-16462	157	9	,	,	PUNCT
fbem-16462	157	10	it	it	PRON
fbem-16462	157	11	is	be	AUX
fbem-16462	157	12	defined	define	VERB
fbem-16462	157	13	as	as	ADP
fbem-16462	157	14	having	have	VERB
fbem-16462	157	15	high	high	ADJ
fbem-16462	157	16	financial	financial	ADJ
fbem-16462	157	17	literacy	literacy	NOUN
fbem-16462	157	18	and	and	CCONJ
fbem-16462	157	19	assigned	assign	VERB
fbem-16462	157	20	a	a	DET
fbem-16462	157	21	value	value	NOUN
fbem-16462	157	22	of	of	ADP
fbem-16462	157	23	1	1	NUM
fbem-16462	157	24	.	.	PUNCT
fbem-16462	158	1	if	if	SCONJ
fbem-16462	158	2	it	it	PRON
fbem-16462	158	3	fails	fail	VERB
fbem-16462	158	4	to	to	PART
fbem-16462	158	5	answer	answer	VERB
fbem-16462	158	6	all	all	DET
fbem-16462	158	7	questions	question	NOUN
fbem-16462	158	8	correctly	correctly	ADV
fbem-16462	158	9	,	,	PUNCT
fbem-16462	158	10	it	it	PRON
fbem-16462	158	11	is	be	AUX
fbem-16462	158	12	defined	define	VERB
fbem-16462	158	13	as	as	ADP
fbem-16462	158	14	having	have	VERB
fbem-16462	158	15	low	low	ADJ
fbem-16462	158	16	financial	financial	ADJ
fbem-16462	158	17	literacy	literacy	NOUN
fbem-16462	158	18	and	and	CCONJ
fbem-16462	158	19	assigned	assign	VERB
fbem-16462	158	20	a	a	DET
fbem-16462	158	21	value	value	NOUN
fbem-16462	158	22	of	of	ADP
fbem-16462	158	23	0	0	NUM
fbem-16462	158	24	.	.	PUNCT
fbem-16462	159	1	according	accord	VERB
fbem-16462	159	2	to	to	ADP
fbem-16462	159	3	the	the	DET
fbem-16462	159	4	empirical	empirical	ADJ
fbem-16462	159	5	results	result	NOUN
fbem-16462	159	6	,	,	PUNCT
fbem-16462	159	7	families	family	NOUN
fbem-16462	159	8	with	with	ADP
fbem-16462	159	9	low	low	ADJ
fbem-16462	159	10	financial	financial	ADJ
fbem-16462	159	11	literacy	literacy	NOUN
fbem-16462	159	12	are	be	AUX
fbem-16462	159	13	more	more	ADV
fbem-16462	159	14	willing	willing	ADJ
fbem-16462	159	15	to	to	PART
fbem-16462	159	16	invest	invest	VERB
fbem-16462	159	17	in	in	ADP
fbem-16462	159	18	financial	financial	ADJ
fbem-16462	159	19	products	product	NOUN
fbem-16462	159	20	,	,	PUNCT
fbem-16462	159	21	and	and	CCONJ
fbem-16462	159	22	families	family	NOUN
fbem-16462	159	23	with	with	ADP
fbem-16462	159	24	high	high	ADJ
fbem-16462	159	25	financial	financial	ADJ
fbem-16462	159	26	literacy	literacy	NOUN
fbem-16462	159	27	holding	hold	VERB
fbem-16462	159	28	housing	housing	PROPN
fbem-16462	159	29	provident	provident	ADJ
fbem-16462	159	30	fund	fund	NOUN
fbem-16462	159	31	do	do	AUX
fbem-16462	159	32	not	not	PART
fbem-16462	159	33	invest	invest	VERB
fbem-16462	159	34	in	in	ADP
fbem-16462	159	35	financial	financial	ADJ
fbem-16462	159	36	products	product	NOUN
fbem-16462	159	37	significantly	significantly	ADV
fbem-16462	159	38	,	,	PUNCT
fbem-16462	159	39	which	which	PRON
fbem-16462	159	40	may	may	AUX
fbem-16462	159	41	be	be	AUX
fbem-16462	159	42	due	due	ADJ
fbem-16462	159	43	to	to	ADP
fbem-16462	159	44	the	the	DET
fbem-16462	159	45	fact	fact	NOUN
fbem-16462	159	46	that	that	SCONJ
fbem-16462	159	47	the	the	DET
fbem-16462	159	48	investment	investment	NOUN
fbem-16462	159	49	threshold	threshold	NOUN
fbem-16462	159	50	of	of	ADP
fbem-16462	159	51	financial	financial	ADJ
fbem-16462	159	52	products	product	NOUN
fbem-16462	159	53	is	be	AUX
fbem-16462	159	54	not	not	PART
fbem-16462	159	55	so	so	ADV
fbem-16462	159	56	high	high	ADJ
fbem-16462	159	57	and	and	CCONJ
fbem-16462	159	58	is	be	AUX
fbem-16462	159	59	more	more	ADV
fbem-16462	159	60	suitable	suitable	ADJ
fbem-16462	159	61	for	for	ADP
fbem-16462	159	62	the	the	DET
fbem-16462	159	63	investment	investment	NOUN
fbem-16462	159	64	of	of	ADP
fbem-16462	159	65	financial	financial	ADJ
fbem-16462	159	66	assets	asset	NOUN
fbem-16462	159	67	.	.	PUNCT
fbem-16462	160	1	this	this	PRON
fbem-16462	160	2	may	may	AUX
fbem-16462	160	3	be	be	AUX
fbem-16462	160	4	because	because	SCONJ
fbem-16462	160	5	the	the	DET
fbem-16462	160	6	investment	investment	NOUN
fbem-16462	160	7	threshold	threshold	NOUN
fbem-16462	160	8	of	of	ADP
fbem-16462	160	9	financial	financial	ADJ
fbem-16462	160	10	products	product	NOUN
fbem-16462	160	11	is	be	AUX
fbem-16462	160	12	not	not	PART
fbem-16462	160	13	so	so	ADV
fbem-16462	160	14	high	high	ADJ
fbem-16462	160	15	,	,	PUNCT
fbem-16462	160	16	which	which	PRON
fbem-16462	160	17	is	be	AUX
fbem-16462	160	18	more	more	ADV
fbem-16462	160	19	suitable	suitable	ADJ
fbem-16462	160	20	for	for	SCONJ
fbem-16462	160	21	ordinary	ordinary	ADJ
fbem-16462	160	22	investors	investor	NOUN
fbem-16462	160	23	to	to	PART
fbem-16462	160	24	invest	invest	VERB
fbem-16462	160	25	.	.	PUNCT
fbem-16462	161	1	for	for	ADP
fbem-16462	161	2	investment	investment	NOUN
fbem-16462	161	3	in	in	ADP
fbem-16462	161	4	risky	risky	ADJ
fbem-16462	161	5	assets	asset	NOUN
fbem-16462	161	6	,	,	PUNCT
fbem-16462	161	7	holding	hold	VERB
fbem-16462	161	8	housing	housing	NOUN
fbem-16462	161	9	provident	provident	ADJ
fbem-16462	161	10	fund	fund	NOUN
fbem-16462	161	11	has	have	VERB
fbem-16462	161	12	a	a	DET
fbem-16462	161	13	positive	positive	ADJ
fbem-16462	161	14	effect	effect	NOUN
fbem-16462	161	15	on	on	ADP
fbem-16462	161	16	both	both	DET
fbem-16462	161	17	types	type	NOUN
fbem-16462	161	18	of	of	ADP
fbem-16462	161	19	sample	sample	NOUN
fbem-16462	161	20	households	household	NOUN
fbem-16462	161	21	,	,	PUNCT
fbem-16462	161	22	and	and	CCONJ
fbem-16462	161	23	the	the	DET
fbem-16462	161	24	results	result	NOUN
fbem-16462	161	25	pass	pass	VERB
fbem-16462	161	26	the	the	DET
fbem-16462	161	27	suest	su	ADJ
fbem-16462	161	28	test	test	NOUN
fbem-16462	161	29	.	.	PUNCT
fbem-16462	162	1	the	the	DET
fbem-16462	162	2	positive	positive	ADJ
fbem-16462	162	3	effect	effect	NOUN
fbem-16462	162	4	of	of	ADP
fbem-16462	162	5	housing	housing	PROPN
fbem-16462	162	6	provident	provident	ADJ
fbem-16462	162	7	fund	fund	NOUN
fbem-16462	162	8	on	on	ADP
fbem-16462	162	9	investment	investment	NOUN
fbem-16462	162	10	in	in	ADP
fbem-16462	162	11	risky	risky	ADJ
fbem-16462	162	12	financial	financial	ADJ
fbem-16462	162	13	assets	asset	NOUN
fbem-16462	162	14	is	be	AUX
fbem-16462	162	15	also	also	ADV
fbem-16462	162	16	more	more	ADV
fbem-16462	162	17	obvious	obvious	ADJ
fbem-16462	162	18	among	among	ADP
fbem-16462	162	19	low	low	ADJ
fbem-16462	162	20	financial	financial	ADJ
fbem-16462	162	21	literacy	literacy	NOUN
fbem-16462	162	22	households	household	NOUN
fbem-16462	162	23	.	.	PUNCT
fbem-16462	163	1	144	144	NUM
fbem-16462	163	2	table	table	NOUN
fbem-16462	163	3	6	6	NUM
fbem-16462	163	4	heterogeneity	heterogeneity	NOUN
fbem-16462	163	5	analysis	analysis	NOUN
fbem-16462	163	6	clusters	cluster	NOUN
fbem-16462	163	7	financial	financial	ADJ
fbem-16462	163	8	product	product	NOUN
fbem-16462	163	9	risk	risk	NOUN
fbem-16462	163	10	asset	asset	NOUN
fbem-16462	163	11	n	n	CCONJ
fbem-16462	163	12	ratio	ratio	NOUN
fbem-16462	163	13	standard	standard	ADJ
fbem-16462	163	14	error	error	NOUN
fbem-16462	163	15	ratio	ratio	NOUN
fbem-16462	163	16	standard	standard	NOUN
fbem-16462	163	17	error	error	NOUN
fbem-16462	163	18	lower	low	ADJ
fbem-16462	163	19	income	income	NOUN
fbem-16462	163	20	0.099	0.099	NUM
fbem-16462	163	21	*	*	PUNCT
fbem-16462	163	22	*	*	PUNCT
fbem-16462	163	23	*	*	PUNCT
fbem-16462	163	24	(	(	PUNCT
fbem-16462	163	25	0.031	0.031	NUM
fbem-16462	163	26	)	)	PUNCT
fbem-16462	163	27	0.126	0.126	NUM
fbem-16462	163	28	*	*	PUNCT
fbem-16462	163	29	*	*	PUNCT
fbem-16462	163	30	*	*	PUNCT
fbem-16462	163	31	(	(	PUNCT
fbem-16462	163	32	0.032	0.032	NUM
fbem-16462	163	33	)	)	PUNCT
fbem-16462	163	34	2793	2793	NUM
fbem-16462	163	35	medium	medium	NOUN
fbem-16462	163	36	income	income	NOUN
fbem-16462	163	37	0.028	0.028	NUM
fbem-16462	163	38	*	*	NOUN
fbem-16462	163	39	*	*	PUNCT
fbem-16462	163	40	(	(	PUNCT
fbem-16462	163	41	0.014	0.014	NUM
fbem-16462	163	42	)	)	PUNCT
fbem-16462	163	43	0.045	0.045	NUM
fbem-16462	163	44	*	*	PUNCT
fbem-16462	163	45	*	*	PUNCT
fbem-16462	163	46	*	*	PUNCT
fbem-16462	163	47	(	(	PUNCT
fbem-16462	163	48	0.014	0.014	NUM
fbem-16462	163	49	)	)	PUNCT
fbem-16462	163	50	4430	4430	NUM
fbem-16462	163	51	high	high	ADJ
fbem-16462	163	52	income	income	NOUN
fbem-16462	163	53	0.083	0.083	NUM
fbem-16462	163	54	*	*	PUNCT
fbem-16462	163	55	*	*	PUNCT
fbem-16462	163	56	*	*	PUNCT
fbem-16462	163	57	(	(	PUNCT
fbem-16462	163	58	0.020	0.020	NUM
fbem-16462	163	59	)	)	PUNCT
fbem-16462	163	60	0.113	0.113	NUM
fbem-16462	163	61	*	*	PUNCT
fbem-16462	163	62	*	*	PUNCT
fbem-16462	163	63	*	*	PUNCT
fbem-16462	163	64	(	(	PUNCT
fbem-16462	163	65	0.020	0.020	NUM
fbem-16462	163	66	)	)	PUNCT
fbem-16462	163	67	1752	1752	NUM
fbem-16462	163	68	low	low	ADJ
fbem-16462	163	69	financial	financial	ADJ
fbem-16462	163	70	literacy	literacy	NOUN
fbem-16462	163	71	0.116	0.116	NUM
fbem-16462	163	72	*	*	PUNCT
fbem-16462	163	73	*	*	PUNCT
fbem-16462	163	74	*	*	PUNCT
fbem-16462	163	75	(	(	PUNCT
fbem-16462	163	76	0.011	0.011	NUM
fbem-16462	163	77	)	)	PUNCT
fbem-16462	163	78	0.139	0.139	NUM
fbem-16462	163	79	*	*	PUNCT
fbem-16462	163	80	*	*	PUNCT
fbem-16462	163	81	*	*	PUNCT
fbem-16462	163	82	(	(	PUNCT
fbem-16462	163	83	0.011	0.011	NUM
fbem-16462	163	84	)	)	PUNCT
fbem-16462	163	85	8402	8402	NUM
fbem-16462	163	86	high	high	ADJ
fbem-16462	163	87	financial	financial	ADJ
fbem-16462	163	88	literacy	literacy	NOUN
fbem-16462	163	89	0.045	0.045	NUM
fbem-16462	163	90	(	(	PUNCT
fbem-16462	163	91	0.029	0.029	NUM
fbem-16462	163	92	)	)	PUNCT
fbem-16462	163	93	0.070	0.070	NUM
fbem-16462	163	94	*	*	PUNCT
fbem-16462	163	95	*	*	PUNCT
fbem-16462	163	96	(	(	PUNCT
fbem-16462	163	97	0.028	0.028	NUM
fbem-16462	163	98	)	)	PUNCT
fbem-16462	163	99	573	573	NUM
fbem-16462	163	100	note	note	NOUN
fbem-16462	163	101	:	:	PUNCT
fbem-16462	163	102	*	*	PUNCT
fbem-16462	163	103	,	,	PUNCT
fbem-16462	163	104	*	*	PUNCT
fbem-16462	163	105	*	*	PUNCT
fbem-16462	163	106	,	,	PUNCT
fbem-16462	163	107	and	and	CCONJ
fbem-16462	163	108	*	*	PUNCT
fbem-16462	163	109	*	*	PUNCT
fbem-16462	163	110	*	*	PUNCT
fbem-16462	163	111	indicate	indicate	VERB
fbem-16462	163	112	significant	significant	ADJ
fbem-16462	163	113	at	at	ADP
fbem-16462	163	114	10	10	NUM
fbem-16462	163	115	%	%	NOUN
fbem-16462	163	116	,	,	PUNCT
fbem-16462	163	117	5	5	NUM
fbem-16462	163	118	%	%	NOUN
fbem-16462	163	119	,	,	PUNCT
fbem-16462	163	120	and	and	CCONJ
fbem-16462	163	121	1	1	NUM
fbem-16462	163	122	%	%	NOUN
fbem-16462	163	123	levels	level	NOUN
fbem-16462	163	124	,	,	PUNCT
fbem-16462	163	125	respectively	respectively	ADV
fbem-16462	163	126	,	,	PUNCT
fbem-16462	163	127	and	and	CCONJ
fbem-16462	163	128	values	value	NOUN
fbem-16462	163	129	in	in	ADP
fbem-16462	163	130	parentheses	parenthesis	NOUN
fbem-16462	163	131	in	in	ADP
fbem-16462	163	132	the	the	DET
fbem-16462	163	133	table	table	NOUN
fbem-16462	163	134	are	be	AUX
fbem-16462	163	135	standard	standard	ADJ
fbem-16462	163	136	errors	error	NOUN
fbem-16462	163	137	.	.	PUNCT
fbem-16462	164	1	5	5	X
fbem-16462	164	2	.	.	X
fbem-16462	164	3	mechanism	mechanism	NOUN
fbem-16462	164	4	testing	test	VERB
fbem-16462	164	5	the	the	DET
fbem-16462	164	6	benchmark	benchmark	NOUN
fbem-16462	164	7	regressions	regression	NOUN
fbem-16462	164	8	and	and	CCONJ
fbem-16462	164	9	robustness	robustness	NOUN
fbem-16462	164	10	tests	test	NOUN
fbem-16462	164	11	in	in	ADP
fbem-16462	164	12	the	the	DET
fbem-16462	164	13	previous	previous	ADJ
fbem-16462	164	14	section	section	NOUN
fbem-16462	164	15	show	show	VERB
fbem-16462	164	16	that	that	SCONJ
fbem-16462	164	17	housing	housing	NOUN
fbem-16462	164	18	provident	provident	ADJ
fbem-16462	164	19	fund	fund	NOUN
fbem-16462	164	20	holdings	holding	NOUN
fbem-16462	164	21	significantly	significantly	ADV
fbem-16462	164	22	promote	promote	VERB
fbem-16462	164	23	urban	urban	ADJ
fbem-16462	164	24	household	household	NOUN
fbem-16462	164	25	’s	’s	PART
fbem-16462	164	26	investment	investment	NOUN
fbem-16462	164	27	in	in	ADP
fbem-16462	164	28	financial	financial	ADJ
fbem-16462	164	29	products	product	NOUN
fbem-16462	164	30	and	and	CCONJ
fbem-16462	164	31	risky	risky	ADJ
fbem-16462	164	32	financial	financial	ADJ
fbem-16462	164	33	assets	asset	NOUN
fbem-16462	164	34	.	.	PUNCT
fbem-16462	165	1	how	how	SCONJ
fbem-16462	165	2	does	do	AUX
fbem-16462	165	3	housing	housing	NOUN
fbem-16462	165	4	provident	provident	ADJ
fbem-16462	165	5	fund	fund	NOUN
fbem-16462	165	6	affect	affect	VERB
fbem-16462	165	7	households	household	NOUN
fbem-16462	165	8	’	'	PUNCT
fbem-16462	165	9	investment	investment	NOUN
fbem-16462	165	10	in	in	ADP
fbem-16462	165	11	financial	financial	ADJ
fbem-16462	165	12	products	product	NOUN
fbem-16462	165	13	and	and	CCONJ
fbem-16462	165	14	risky	risky	ADJ
fbem-16462	165	15	financial	financial	ADJ
fbem-16462	165	16	assets	asset	NOUN
fbem-16462	165	17	?	?	PUNCT
fbem-16462	166	1	in	in	ADP
fbem-16462	166	2	this	this	DET
fbem-16462	166	3	section	section	NOUN
fbem-16462	166	4	,	,	PUNCT
fbem-16462	166	5	the	the	DET
fbem-16462	166	6	research	research	NOUN
fbem-16462	166	7	hypotheses	hypothesis	NOUN
fbem-16462	166	8	proposed	propose	VERB
fbem-16462	166	9	earlier	early	ADV
fbem-16462	166	10	will	will	AUX
fbem-16462	166	11	be	be	AUX
fbem-16462	166	12	empirically	empirically	ADV
fbem-16462	166	13	tested	test	VERB
fbem-16462	166	14	.	.	PUNCT
fbem-16462	167	1	5.1	5.1	NUM
fbem-16462	167	2	.	.	PUNCT
fbem-16462	168	1	analysis	analysis	NOUN
fbem-16462	168	2	of	of	ADP
fbem-16462	168	3	intermediation	intermediation	NOUN
fbem-16462	168	4	effects	effect	NOUN
fbem-16462	168	5	5.1.1	5.1.1	NOUN
fbem-16462	168	6	.	.	PUNCT
fbem-16462	169	1	analysis	analysis	NOUN
fbem-16462	169	2	of	of	ADP
fbem-16462	169	3	the	the	DET
fbem-16462	169	4	mediating	mediate	VERB
fbem-16462	169	5	effect	effect	NOUN
fbem-16462	169	6	of	of	ADP
fbem-16462	169	7	future	future	ADJ
fbem-16462	169	8	expectations	expectation	NOUN
fbem-16462	169	9	future	future	ADJ
fbem-16462	169	10	expectation	expectation	NOUN
fbem-16462	169	11	refers	refer	VERB
fbem-16462	169	12	to	to	ADP
fbem-16462	169	13	the	the	DET
fbem-16462	169	14	rational	rational	ADJ
fbem-16462	169	15	expectations	expectation	NOUN
fbem-16462	169	16	of	of	ADP
fbem-16462	169	17	households	household	NOUN
fbem-16462	169	18	about	about	ADP
fbem-16462	169	19	their	their	PRON
fbem-16462	169	20	future	future	ADJ
fbem-16462	169	21	economic	economic	ADJ
fbem-16462	169	22	situation	situation	NOUN
fbem-16462	169	23	.	.	PUNCT
fbem-16462	170	1	drawing	draw	VERB
fbem-16462	170	2	on	on	ADP
fbem-16462	170	3	the	the	DET
fbem-16462	170	4	research	research	NOUN
fbem-16462	170	5	of	of	ADP
fbem-16462	170	6	scholar	scholar	NOUN
fbem-16462	170	7	jiaqi	jiaqi	PROPN
fbem-16462	170	8	chen	chen	PROPN
fbem-16462	170	9	(	(	PUNCT
fbem-16462	170	10	2022	2022	NUM
fbem-16462	170	11	)	)	PUNCT
fbem-16462	170	12	,	,	PUNCT
fbem-16462	170	13	this	this	DET
fbem-16462	170	14	paper	paper	NOUN
fbem-16462	170	15	argues	argue	VERB
fbem-16462	170	16	that	that	SCONJ
fbem-16462	170	17	households	household	NOUN
fbem-16462	170	18	’	'	PUNCT
fbem-16462	170	19	future	future	ADJ
fbem-16462	170	20	expectations	expectation	NOUN
fbem-16462	170	21	can	can	AUX
fbem-16462	170	22	be	be	AUX
fbem-16462	170	23	measured	measure	VERB
fbem-16462	170	24	by	by	ADP
fbem-16462	170	25	the	the	DET
fbem-16462	170	26	sample	sample	NOUN
fbem-16462	170	27	households	household	NOUN
fbem-16462	170	28	’	'	PUNCT
fbem-16462	170	29	expenditures	expenditure	NOUN
fbem-16462	170	30	on	on	ADP
fbem-16462	170	31	culture	culture	NOUN
fbem-16462	170	32	and	and	CCONJ
fbem-16462	170	33	recreation	recreation	NOUN
fbem-16462	170	34	,	,	PUNCT
fbem-16462	170	35	purchasing	purchase	VERB
fbem-16462	170	36	and	and	CCONJ
fbem-16462	170	37	repairing	repair	VERB
fbem-16462	170	38	of	of	ADP
fbem-16462	170	39	cultural	cultural	ADJ
fbem-16462	170	40	and	and	CCONJ
fbem-16462	170	41	recreational	recreational	ADJ
fbem-16462	170	42	consumer	consumer	NOUN
fbem-16462	170	43	goods	good	NOUN
fbem-16462	170	44	,	,	PUNCT
fbem-16462	170	45	and	and	CCONJ
fbem-16462	170	46	traveling	travel	VERB
fbem-16462	170	47	expenditures	expenditure	NOUN
fbem-16462	170	48	in	in	ADP
fbem-16462	170	49	the	the	DET
fbem-16462	170	50	previous	previous	ADJ
fbem-16462	170	51	year	year	NOUN
fbem-16462	170	52	.	.	PUNCT
fbem-16462	171	1	for	for	ADP
fbem-16462	171	2	the	the	DET
fbem-16462	171	3	mediating	mediate	VERB
fbem-16462	171	4	effect	effect	NOUN
fbem-16462	171	5	of	of	ADP
fbem-16462	171	6	this	this	DET
fbem-16462	171	7	variable	variable	NOUN
fbem-16462	171	8	,	,	PUNCT
fbem-16462	171	9	table	table	NOUN
fbem-16462	171	10	7	7	NUM
fbem-16462	171	11	demonstrates	demonstrate	VERB
fbem-16462	171	12	the	the	DET
fbem-16462	171	13	regression	regression	NOUN
fbem-16462	171	14	results	result	NOUN
fbem-16462	171	15	of	of	ADP
fbem-16462	171	16	the	the	DET
fbem-16462	171	17	stepwise	stepwise	PROPN
fbem-16462	171	18	method	method	PROPN
fbem-16462	171	19	test	test	NOUN
fbem-16462	171	20	.	.	PUNCT
fbem-16462	172	1	since	since	SCONJ
fbem-16462	172	2	the	the	DET
fbem-16462	172	3	mediating	mediate	VERB
fbem-16462	172	4	variable	variable	ADJ
fbem-16462	172	5	future	future	ADJ
fbem-16462	172	6	expectations	expectation	NOUN
fbem-16462	172	7	is	be	AUX
fbem-16462	172	8	a	a	DET
fbem-16462	172	9	continuous	continuous	ADJ
fbem-16462	172	10	variable	variable	NOUN
fbem-16462	172	11	,	,	PUNCT
fbem-16462	172	12	ols	ol	NOUN
fbem-16462	172	13	regression	regression	NOUN
fbem-16462	172	14	was	be	AUX
fbem-16462	172	15	used	use	VERB
fbem-16462	172	16	in	in	ADP
fbem-16462	172	17	the	the	DET
fbem-16462	172	18	second	second	ADJ
fbem-16462	172	19	step	step	NOUN
fbem-16462	172	20	.	.	PUNCT
fbem-16462	173	1	the	the	DET
fbem-16462	173	2	results	result	NOUN
fbem-16462	173	3	in	in	ADP
fbem-16462	173	4	column	column	NOUN
fbem-16462	173	5	(	(	PUNCT
fbem-16462	173	6	2	2	X
fbem-16462	173	7	)	)	PUNCT
fbem-16462	173	8	show	show	VERB
fbem-16462	173	9	that	that	SCONJ
fbem-16462	173	10	the	the	DET
fbem-16462	173	11	coefficient	coefficient	NOUN
fbem-16462	173	12	β1	β1	PROPN
fbem-16462	173	13	is	be	AUX
fbem-16462	173	14	significantly	significantly	ADV
fbem-16462	173	15	positive	positive	ADJ
fbem-16462	173	16	,	,	PUNCT
fbem-16462	173	17	and	and	CCONJ
fbem-16462	173	18	the	the	DET
fbem-16462	173	19	results	result	NOUN
fbem-16462	173	20	in	in	ADP
fbem-16462	173	21	columns	column	NOUN
fbem-16462	173	22	(	(	PUNCT
fbem-16462	173	23	3	3	NUM
fbem-16462	173	24	)	)	PUNCT
fbem-16462	173	25	and	and	CCONJ
fbem-16462	173	26	(	(	PUNCT
fbem-16462	173	27	6	6	X
fbem-16462	173	28	)	)	PUNCT
fbem-16462	173	29	show	show	VERB
fbem-16462	173	30	that	that	SCONJ
fbem-16462	173	31	the	the	DET
fbem-16462	173	32	coefficient	coefficient	NOUN
fbem-16462	173	33	γ2	γ2	NOUN
fbem-16462	173	34	of	of	ADP
fbem-16462	173	35	the	the	DET
fbem-16462	173	36	regression	regression	NOUN
fbem-16462	173	37	equation	equation	NOUN
fbem-16462	173	38	is	be	AUX
fbem-16462	173	39	significantly	significantly	ADV
fbem-16462	173	40	positive	positive	ADJ
fbem-16462	173	41	at	at	ADP
fbem-16462	173	42	the	the	DET
fbem-16462	173	43	1	1	NUM
fbem-16462	173	44	%	%	NOUN
fbem-16462	173	45	level	level	NOUN
fbem-16462	173	46	,	,	PUNCT
fbem-16462	173	47	and	and	CCONJ
fbem-16462	173	48	the	the	DET
fbem-16462	173	49	coefficient	coefficient	NOUN
fbem-16462	173	50	γ1	γ1	NOUN
fbem-16462	173	51	is	be	AUX
fbem-16462	173	52	also	also	ADV
fbem-16462	173	53	significant	significant	ADJ
fbem-16462	173	54	,	,	PUNCT
fbem-16462	173	55	which	which	PRON
fbem-16462	173	56	leads	lead	VERB
fbem-16462	173	57	us	we	PRON
fbem-16462	173	58	to	to	PART
fbem-16462	173	59	believe	believe	VERB
fbem-16462	173	60	that	that	SCONJ
fbem-16462	173	61	the	the	DET
fbem-16462	173	62	variable	variable	NOUN
fbem-16462	173	63	of	of	ADP
fbem-16462	173	64	future	future	ADJ
fbem-16462	173	65	expectations	expectation	NOUN
fbem-16462	173	66	does	do	AUX
fbem-16462	173	67	play	play	VERB
fbem-16462	173	68	a	a	DET
fbem-16462	173	69	mediating	mediate	VERB
fbem-16462	173	70	role	role	NOUN
fbem-16462	173	71	,	,	PUNCT
fbem-16462	173	72	i.e.	i.e.	X
fbem-16462	173	73	,	,	PUNCT
fbem-16462	173	74	holding	hold	VERB
fbem-16462	173	75	housing	housing	NOUN
fbem-16462	173	76	provident	provident	ADJ
fbem-16462	173	77	fund	fund	NOUN
fbem-16462	173	78	will	will	AUX
fbem-16462	173	79	significantly	significantly	ADV
fbem-16462	173	80	increase	increase	VERB
fbem-16462	173	81	the	the	DET
fbem-16462	173	82	future	future	ADJ
fbem-16462	173	83	expectations	expectation	NOUN
fbem-16462	173	84	of	of	ADP
fbem-16462	173	85	the	the	DET
fbem-16462	173	86	household	household	NOUN
fbem-16462	173	87	,	,	PUNCT
fbem-16462	173	88	and	and	CCONJ
fbem-16462	173	89	thus	thus	ADV
fbem-16462	173	90	the	the	DET
fbem-16462	173	91	investment	investment	NOUN
fbem-16462	173	92	rate	rate	NOUN
fbem-16462	173	93	of	of	ADP
fbem-16462	173	94	the	the	DET
fbem-16462	173	95	household	household	NOUN
fbem-16462	173	96	in	in	ADP
fbem-16462	173	97	financial	financial	ADJ
fbem-16462	173	98	products	product	NOUN
fbem-16462	173	99	and	and	CCONJ
fbem-16462	173	100	risky	risky	ADJ
fbem-16462	173	101	financial	financial	ADJ
fbem-16462	173	102	assets	asset	NOUN
fbem-16462	173	103	is	be	AUX
fbem-16462	173	104	increased	increase	VERB
fbem-16462	173	105	.	.	PUNCT
fbem-16462	174	1	risky	risky	ADJ
fbem-16462	174	2	financial	financial	ADJ
fbem-16462	174	3	assets	asset	NOUN
fbem-16462	174	4	,	,	PUNCT
fbem-16462	174	5	research	research	NOUN
fbem-16462	174	6	hypothesis1	hypothesis1	NOUN
fbem-16462	174	7	can	can	AUX
fbem-16462	174	8	be	be	AUX
fbem-16462	174	9	verified	verify	VERB
fbem-16462	174	10	.	.	PUNCT
fbem-16462	175	1	table	table	NOUN
fbem-16462	175	2	7	7	NUM
fbem-16462	175	3	.	.	PUNCT
fbem-16462	176	1	analysis	analysis	NOUN
fbem-16462	176	2	of	of	ADP
fbem-16462	176	3	mediating	mediate	VERB
fbem-16462	176	4	effects	effect	NOUN
fbem-16462	176	5	of	of	ADP
fbem-16462	176	6	future	future	ADJ
fbem-16462	176	7	expectations	expectation	NOUN
fbem-16462	176	8	variant	variant	NOUN
fbem-16462	176	9	(	(	PUNCT
fbem-16462	176	10	1	1	NUM
fbem-16462	176	11	)	)	PUNCT
fbem-16462	176	12	(	(	PUNCT
fbem-16462	176	13	2	2	NUM
fbem-16462	176	14	)	)	PUNCT
fbem-16462	176	15	(	(	PUNCT
fbem-16462	176	16	3	3	X
fbem-16462	176	17	)	)	PUNCT
fbem-16462	176	18	(	(	PUNCT
fbem-16462	176	19	4	4	NUM
fbem-16462	176	20	)	)	PUNCT
fbem-16462	176	21	(	(	PUNCT
fbem-16462	176	22	5	5	NUM
fbem-16462	176	23	)	)	PUNCT
fbem-16462	176	24	(	(	PUNCT
fbem-16462	176	25	6	6	NUM
fbem-16462	176	26	)	)	PUNCT
fbem-16462	176	27	fp	fp	ADJ
fbem-16462	176	28	-	-	PUNCT
fbem-16462	176	29	ratio	ratio	NOUN
fbem-16462	176	30	future	future	ADJ
fbem-16462	176	31	expectations	expectation	NOUN
fbem-16462	176	32	fp	fp	NOUN
fbem-16462	176	33	-	-	PUNCT
fbem-16462	176	34	ratio	ratio	NOUN
fbem-16462	176	35	risk	risk	NOUN
fbem-16462	176	36	-	-	PUNCT
fbem-16462	176	37	ratio	ratio	NOUN
fbem-16462	176	38	future	future	ADJ
fbem-16462	176	39	expectations	expectation	NOUN
fbem-16462	176	40	risk	risk	NOUN
fbem-16462	176	41	-	-	PUNCT
fbem-16462	176	42	ratio	ratio	NOUN
fbem-16462	176	43	hpf	hpf	NOUN
fbem-16462	176	44	0.028	0.028	NUM
fbem-16462	176	45	*	*	NOUN
fbem-16462	176	46	*	*	PUNCT
fbem-16462	176	47	*	*	PUNCT
fbem-16462	176	48	1.758	1.758	NUM
fbem-16462	176	49	*	*	PUNCT
fbem-16462	176	50	*	*	PUNCT
fbem-16462	176	51	*	*	PUNCT
fbem-16462	176	52	0.083	0.083	NUM
fbem-16462	176	53	*	*	PUNCT
fbem-16462	176	54	*	*	PUNCT
fbem-16462	176	55	*	*	PUNCT
fbem-16462	176	56	0.036	0.036	NUM
fbem-16462	176	57	*	*	PUNCT
fbem-16462	176	58	*	*	PUNCT
fbem-16462	176	59	*	*	PUNCT
fbem-16462	176	60	1.758	1.758	NUM
fbem-16462	176	61	*	*	PUNCT
fbem-16462	176	62	*	*	PUNCT
fbem-16462	176	63	*	*	PUNCT
fbem-16462	176	64	0.106	0.106	NUM
fbem-16462	176	65	*	*	PUNCT
fbem-16462	176	66	*	*	PUNCT
fbem-16462	176	67	*	*	PUNCT
fbem-16462	176	68	(	(	PUNCT
fbem-16462	176	69	0.000	0.000	NUM
fbem-16462	176	70	)	)	PUNCT
fbem-16462	176	71	(	(	PUNCT
fbem-16462	176	72	0.080	0.080	NUM
fbem-16462	176	73	)	)	PUNCT
fbem-16462	176	74	(	(	PUNCT
fbem-16462	176	75	0.010	0.010	NUM
fbem-16462	176	76	)	)	PUNCT
fbem-16462	176	77	(	(	PUNCT
fbem-16462	176	78	0.000	0.000	NUM
fbem-16462	176	79	)	)	PUNCT
fbem-16462	176	80	(	(	PUNCT
fbem-16462	176	81	0.080	0.080	NUM
fbem-16462	176	82	)	)	PUNCT
fbem-16462	176	83	(	(	PUNCT
fbem-16462	176	84	0.011	0.011	NUM
fbem-16462	176	85	)	)	PUNCT
fbem-16462	176	86	future	future	ADJ
fbem-16462	176	87	expectations	expectation	NOUN
fbem-16462	176	88	—	—	PUNCT
fbem-16462	176	89	—	—	PUNCT
fbem-16462	176	90	0.024	0.024	NUM
fbem-16462	176	91	*	*	PUNCT
fbem-16462	176	92	*	*	PUNCT
fbem-16462	176	93	*	*	PUNCT
fbem-16462	176	94	—	—	PUNCT
fbem-16462	176	95	—	—	PUNCT
fbem-16462	176	96	0.026	0.026	NUM
fbem-16462	176	97	*	*	PUNCT
fbem-16462	176	98	*	*	PUNCT
fbem-16462	176	99	*	*	PUNCT
fbem-16462	176	100	(	(	PUNCT
fbem-16462	176	101	0.001	0.001	NUM
fbem-16462	176	102	)	)	PUNCT
fbem-16462	176	103	(	(	PUNCT
fbem-16462	176	104	0.002	0.002	NUM
fbem-16462	176	105	)	)	PUNCT
fbem-16462	176	106	control	control	NOUN
fbem-16462	176	107	variable	variable	NOUN
fbem-16462	177	1	yes	yes	INTJ
fbem-16462	177	2	yes	yes	INTJ
fbem-16462	178	1	yes	yes	INTJ
fbem-16462	179	1	yes	yes	INTJ
fbem-16462	180	1	yes	yes	INTJ
fbem-16462	181	1	yes	yes	INTJ
fbem-16462	181	2	pseudo	pseudo	NOUN
fbem-16462	181	3	r2	r2	NOUN
fbem-16462	181	4	0.074	0.074	NUM
fbem-16462	181	5	0.121	0.121	NUM
fbem-16462	181	6	0.113	0.113	NUM
fbem-16462	181	7	0.093	0.093	NUM
fbem-16462	181	8	0.121	0.121	NUM
fbem-16462	181	9	0.135	0.135	NUM
fbem-16462	181	10	n	n	NUM
fbem-16462	181	11	8975	8975	NUM
fbem-16462	181	12	8973	8973	NUM
fbem-16462	181	13	8973	8973	NUM
fbem-16462	181	14	8975	8975	NUM
fbem-16462	181	15	8973	8973	NUM
fbem-16462	181	16	8973	8973	NUM
fbem-16462	181	17	note	note	NOUN
fbem-16462	181	18	:	:	PUNCT
fbem-16462	181	19	*	*	PUNCT
fbem-16462	181	20	,	,	PUNCT
fbem-16462	181	21	*	*	PUNCT
fbem-16462	181	22	*	*	PUNCT
fbem-16462	181	23	,	,	PUNCT
fbem-16462	181	24	*	*	PUNCT
fbem-16462	181	25	*	*	PUNCT
fbem-16462	181	26	*	*	PUNCT
fbem-16462	181	27	denote	denote	VERB
fbem-16462	181	28	significant	significant	ADJ
fbem-16462	181	29	at	at	ADP
fbem-16462	181	30	10	10	NUM
fbem-16462	181	31	%	%	NOUN
fbem-16462	181	32	,	,	PUNCT
fbem-16462	181	33	5	5	NUM
fbem-16462	181	34	%	%	NOUN
fbem-16462	181	35	,	,	PUNCT
fbem-16462	181	36	and	and	CCONJ
fbem-16462	181	37	1	1	NUM
fbem-16462	181	38	%	%	NOUN
fbem-16462	181	39	levels	level	NOUN
fbem-16462	181	40	respectively	respectively	ADV
fbem-16462	181	41	;	;	PUNCT
fbem-16462	181	42	values	value	NOUN
fbem-16462	181	43	in	in	ADP
fbem-16462	181	44	parentheses	parenthesis	NOUN
fbem-16462	181	45	in	in	ADP
fbem-16462	181	46	the	the	DET
fbem-16462	181	47	table	table	NOUN
fbem-16462	181	48	are	be	AUX
fbem-16462	181	49	standard	standard	ADJ
fbem-16462	181	50	errors	error	NOUN
fbem-16462	181	51	.	.	PUNCT
fbem-16462	182	1	5.1.2	5.1.2	X
fbem-16462	182	2	.	.	X
fbem-16462	182	3	analysis	analysis	NOUN
fbem-16462	182	4	of	of	ADP
fbem-16462	182	5	the	the	DET
fbem-16462	182	6	mediating	mediate	VERB
fbem-16462	182	7	effect	effect	NOUN
fbem-16462	182	8	of	of	ADP
fbem-16462	182	9	residents	resident	NOUN
fbem-16462	182	10	’	’	PART
fbem-16462	182	11	happiness	happiness	NOUN
fbem-16462	182	12	residents	resident	NOUN
fbem-16462	182	13	’	'	PUNCT
fbem-16462	182	14	happiness	happiness	NOUN
fbem-16462	182	15	reflects	reflect	VERB
fbem-16462	182	16	the	the	DET
fbem-16462	182	17	degree	degree	NOUN
fbem-16462	182	18	of	of	ADP
fbem-16462	182	19	satisfaction	satisfaction	NOUN
fbem-16462	182	20	with	with	ADP
fbem-16462	182	21	their	their	PRON
fbem-16462	182	22	current	current	ADJ
fbem-16462	182	23	life	life	NOUN
fbem-16462	182	24	,	,	PUNCT
fbem-16462	182	25	and	and	CCONJ
fbem-16462	182	26	this	this	DET
fbem-16462	182	27	paper	paper	NOUN
fbem-16462	182	28	constructs	construct	VERB
fbem-16462	182	29	a	a	DET
fbem-16462	182	30	dichotomous	dichotomous	ADJ
fbem-16462	182	31	variable	variable	NOUN
fbem-16462	182	32	of	of	ADP
fbem-16462	182	33	residents	resident	NOUN
fbem-16462	182	34	’	’	PART
fbem-16462	182	35	happiness	happiness	NOUN
fbem-16462	182	36	based	base	VERB
fbem-16462	182	37	on	on	ADP
fbem-16462	182	38	the	the	DET
fbem-16462	182	39	question	question	NOUN
fbem-16462	182	40	“	"	PUNCT
fbem-16462	182	41	in	in	ADP
fbem-16462	182	42	general	general	ADJ
fbem-16462	182	43	,	,	PUNCT
fbem-16462	182	44	do	do	AUX
fbem-16462	182	45	you	you	PRON
fbem-16462	182	46	feel	feel	VERB
fbem-16462	182	47	happy	happy	ADJ
fbem-16462	182	48	now	now	ADV
fbem-16462	182	49	?	?	PUNCT
fbem-16462	182	50	”	"	PUNCT
fbem-16462	182	51	in	in	ADP
fbem-16462	182	52	chfs	chfs	NOUN
fbem-16462	182	53	2019	2019	NUM
fbem-16462	182	54	,	,	PUNCT
fbem-16462	182	55	with	with	ADP
fbem-16462	182	56	responses	response	NOUN
fbem-16462	182	57	of	of	ADP
fbem-16462	182	58	“	"	PUNCT
fbem-16462	182	59	unhappy	unhappy	ADJ
fbem-16462	182	60	”	"	PUNCT
fbem-16462	182	61	and	and	CCONJ
fbem-16462	182	62	“	"	PUNCT
fbem-16462	182	63	very	very	ADV
fbem-16462	182	64	unhappy	unhappy	ADJ
fbem-16462	182	65	”	"	PUNCT
fbem-16462	182	66	assigned	assign	VERB
fbem-16462	182	67	a	a	DET
fbem-16462	182	68	value	value	NOUN
fbem-16462	182	69	of	of	ADP
fbem-16462	182	70	0	0	NUM
fbem-16462	182	71	and	and	CCONJ
fbem-16462	182	72	the	the	DET
fbem-16462	182	73	others	other	NOUN
fbem-16462	182	74	assigned	assign	VERB
fbem-16462	182	75	a	a	DET
fbem-16462	182	76	value	value	NOUN
fbem-16462	182	77	of	of	ADP
fbem-16462	182	78	1	1	NUM
fbem-16462	182	79	.	.	PUNCT
fbem-16462	183	1	the	the	DET
fbem-16462	183	2	dichotomous	dichotomous	ADJ
fbem-16462	183	3	variable	variable	NOUN
fbem-16462	183	4	of	of	ADP
fbem-16462	183	5	residents	resident	NOUN
fbem-16462	183	6	’	'	PUNCT
fbem-16462	183	7	happiness	happiness	NOUN
fbem-16462	183	8	was	be	AUX
fbem-16462	183	9	constructed	construct	VERB
fbem-16462	183	10	by	by	ADP
fbem-16462	183	11	assigning	assign	VERB
fbem-16462	183	12	the	the	DET
fbem-16462	183	13	responses	response	NOUN
fbem-16462	183	14	of	of	ADP
fbem-16462	183	15	“	"	PUNCT
fbem-16462	183	16	unhappy	unhappy	ADJ
fbem-16462	183	17	”	"	PUNCT
fbem-16462	183	18	and	and	CCONJ
fbem-16462	183	19	“	"	PUNCT
fbem-16462	183	20	very	very	ADV
fbem-16462	183	21	unhappy	unhappy	ADJ
fbem-16462	183	22	”	"	PUNCT
fbem-16462	183	23	as	as	ADP
fbem-16462	183	24	0	0	NUM
fbem-16462	183	25	and	and	CCONJ
fbem-16462	183	26	the	the	DET
fbem-16462	183	27	others	other	NOUN
fbem-16462	183	28	as	as	ADP
fbem-16462	183	29	1	1	NUM
fbem-16462	183	30	.	.	PUNCT
fbem-16462	184	1	according	accord	VERB
fbem-16462	184	2	to	to	ADP
fbem-16462	184	3	the	the	DET
fbem-16462	184	4	characteristics	characteristic	NOUN
fbem-16462	184	5	of	of	ADP
fbem-16462	184	6	the	the	DET
fbem-16462	184	7	variable	variable	NOUN
fbem-16462	184	8	of	of	ADP
fbem-16462	184	9	residents	resident	NOUN
fbem-16462	184	10	'	'	PART
fbem-16462	184	11	happiness	happiness	NOUN
fbem-16462	184	12	,	,	PUNCT
fbem-16462	184	13	the	the	DET
fbem-16462	184	14	second	second	ADJ
fbem-16462	184	15	step	step	NOUN
fbem-16462	184	16	of	of	ADP
fbem-16462	184	17	stepwise	stepwise	ADJ
fbem-16462	184	18	regression	regression	NOUN
fbem-16462	184	19	method	method	NOUN
fbem-16462	184	20	chooses	choose	VERB
fbem-16462	184	21	logit	logit	NOUN
fbem-16462	184	22	model	model	NOUN
fbem-16462	184	23	for	for	ADP
fbem-16462	184	24	regression	regression	NOUN
fbem-16462	184	25	,	,	PUNCT
fbem-16462	184	26	and	and	CCONJ
fbem-16462	184	27	the	the	DET
fbem-16462	184	28	regression	regression	NOUN
fbem-16462	184	29	results	result	NOUN
fbem-16462	184	30	are	be	AUX
fbem-16462	184	31	shown	show	VERB
fbem-16462	184	32	in	in	ADP
fbem-16462	184	33	figure	figure	NOUN
fbem-16462	184	34	8	8	NUM
fbem-16462	184	35	.	.	PUNCT
fbem-16462	185	1	column	column	NOUN
fbem-16462	185	2	(	(	PUNCT
fbem-16462	185	3	2	2	X
fbem-16462	185	4	)	)	PUNCT
fbem-16462	185	5	shows	show	VERB
fbem-16462	185	6	that	that	SCONJ
fbem-16462	185	7	the	the	DET
fbem-16462	185	8	coefficient	coefficient	NOUN
fbem-16462	185	9	β1	β1	PROPN
fbem-16462	185	10	is	be	AUX
fbem-16462	185	11	significantly	significantly	ADV
fbem-16462	185	12	positive	positive	ADJ
fbem-16462	185	13	at	at	ADP
fbem-16462	185	14	the	the	DET
fbem-16462	185	15	1	1	NUM
fbem-16462	185	16	%	%	NOUN
fbem-16462	185	17	level	level	NOUN
fbem-16462	185	18	,	,	PUNCT
fbem-16462	185	19	indicating	indicate	VERB
fbem-16462	185	20	that	that	SCONJ
fbem-16462	185	21	housing	housing	PROPN
fbem-16462	185	22	provident	provident	ADJ
fbem-16462	185	23	fund	fund	NOUN
fbem-16462	185	24	significantly	significantly	ADV
fbem-16462	185	25	increases	increase	VERB
fbem-16462	185	26	residents	resident	NOUN
fbem-16462	185	27	’	’	PART
fbem-16462	185	28	happiness	happiness	NOUN
fbem-16462	185	29	.	.	PUNCT
fbem-16462	186	1	columns	column	NOUN
fbem-16462	186	2	(	(	PUNCT
fbem-16462	186	3	3	3	NUM
fbem-16462	186	4	)	)	PUNCT
fbem-16462	186	5	and	and	CCONJ
fbem-16462	186	6	(	(	PUNCT
fbem-16462	186	7	6	6	X
fbem-16462	186	8	)	)	PUNCT
fbem-16462	186	9	show	show	VERB
fbem-16462	186	10	that	that	SCONJ
fbem-16462	186	11	the	the	DET
fbem-16462	186	12	coefficient	coefficient	NOUN
fbem-16462	186	13	of	of	ADP
fbem-16462	186	14	γ2	γ2	PROPN
fbem-16462	186	15	is	be	AUX
fbem-16462	186	16	significantly	significantly	ADV
fbem-16462	186	17	positive	positive	ADJ
fbem-16462	186	18	,	,	PUNCT
fbem-16462	186	19	while	while	SCONJ
fbem-16462	186	20	the	the	DET
fbem-16462	186	21	coefficient	coefficient	NOUN
fbem-16462	186	22	of	of	ADP
fbem-16462	186	23	γ1	γ1	PROPN
fbem-16462	186	24	is	be	AUX
fbem-16462	186	25	also	also	ADV
fbem-16462	186	26	positive	positive	ADJ
fbem-16462	186	27	and	and	CCONJ
fbem-16462	186	28	significant	significant	ADJ
fbem-16462	186	29	at	at	ADP
fbem-16462	186	30	the	the	DET
fbem-16462	186	31	5	5	NUM
fbem-16462	186	32	%	%	NOUN
fbem-16462	186	33	level	level	NOUN
fbem-16462	186	34	,	,	PUNCT
fbem-16462	186	35	i.e.	i.e.	X
fbem-16462	186	36	,	,	PUNCT
fbem-16462	186	37	holding	hold	VERB
fbem-16462	186	38	housing	housing	NOUN
fbem-16462	186	39	provident	provident	ADJ
fbem-16462	186	40	fund	fund	NOUN
fbem-16462	186	41	increases	increase	VERB
fbem-16462	186	42	residents	resident	NOUN
fbem-16462	186	43	'	'	PART
fbem-16462	186	44	happiness	happiness	NOUN
fbem-16462	186	45	and	and	CCONJ
fbem-16462	186	46	thus	thus	ADV
fbem-16462	186	47	increases	increase	VERB
fbem-16462	186	48	urban	urban	ADJ
fbem-16462	186	49	households	household	NOUN
fbem-16462	186	50	'	'	PART
fbem-16462	186	51	investment	investment	NOUN
fbem-16462	186	52	in	in	ADP
fbem-16462	186	53	financial	financial	ADJ
fbem-16462	186	54	products	product	NOUN
fbem-16462	186	55	and	and	CCONJ
fbem-16462	186	56	risky	risky	ADJ
fbem-16462	186	57	financial	financial	ADJ
fbem-16462	186	58	assets	asset	NOUN
fbem-16462	186	59	.	.	PUNCT
fbem-16462	187	1	the	the	DET
fbem-16462	187	2	empirical	empirical	ADJ
fbem-16462	187	3	results	result	NOUN
fbem-16462	187	4	confirm	confirm	VERB
fbem-16462	187	5	the	the	DET
fbem-16462	187	6	existence	existence	NOUN
fbem-16462	187	7	of	of	ADP
fbem-16462	187	8	the	the	DET
fbem-16462	187	9	mediating	mediate	VERB
fbem-16462	187	10	effect	effect	NOUN
fbem-16462	187	11	,	,	PUNCT
fbem-16462	187	12	so	so	SCONJ
fbem-16462	187	13	that	that	SCONJ
fbem-16462	187	14	the	the	DET
fbem-16462	187	15	research	research	NOUN
fbem-16462	187	16	hypothesis	hypothesis	NOUN
fbem-16462	187	17	2	2	NUM
fbem-16462	187	18	can	can	AUX
fbem-16462	187	19	he	he	PRON
fbem-16462	187	20	verified	verify	VERB
fbem-16462	187	21	.	.	PUNCT
fbem-16462	188	1	table	table	NOUN
fbem-16462	188	2	8	8	NUM
fbem-16462	188	3	.	.	PUNCT
fbem-16462	189	1	analysis	analysis	NOUN
fbem-16462	189	2	of	of	ADP
fbem-16462	189	3	mediating	mediate	VERB
fbem-16462	189	4	effects	effect	NOUN
fbem-16462	189	5	of	of	ADP
fbem-16462	189	6	residents	resident	NOUN
fbem-16462	189	7	’	'	PUNCT
fbem-16462	189	8	happiness	happiness	NOUN
fbem-16462	189	9	(	(	PUNCT
fbem-16462	189	10	1	1	NUM
fbem-16462	189	11	)	)	PUNCT
fbem-16462	189	12	(	(	PUNCT
fbem-16462	189	13	2	2	NUM
fbem-16462	189	14	)	)	PUNCT
fbem-16462	189	15	(	(	PUNCT
fbem-16462	189	16	3	3	X
fbem-16462	189	17	)	)	PUNCT
fbem-16462	189	18	(	(	PUNCT
fbem-16462	189	19	4	4	NUM
fbem-16462	189	20	)	)	PUNCT
fbem-16462	189	21	(	(	PUNCT
fbem-16462	189	22	5	5	NUM
fbem-16462	189	23	)	)	PUNCT
fbem-16462	189	24	(	(	PUNCT
fbem-16462	189	25	6	6	NUM
fbem-16462	189	26	)	)	PUNCT
fbem-16462	189	27	fp	fp	NOUN
fbem-16462	189	28	-	-	PUNCT
fbem-16462	189	29	ratio	ratio	NOUN
fbem-16462	189	30	happiness	happiness	NOUN
fbem-16462	189	31	fp	fp	NOUN
fbem-16462	189	32	-	-	PUNCT
fbem-16462	189	33	ratio	ratio	NOUN
fbem-16462	189	34	risk	risk	NOUN
fbem-16462	189	35	-	-	PUNCT
fbem-16462	189	36	ratio	ratio	NOUN
fbem-16462	189	37	happiness	happiness	NOUN
fbem-16462	189	38	risk	risk	NOUN
fbem-16462	189	39	-	-	PUNCT
fbem-16462	189	40	ratio	ratio	NOUN
fbem-16462	189	41	hpf	hpf	NOUN
fbem-16462	189	42	0.028	0.028	NUM
fbem-16462	189	43	*	*	NOUN
fbem-16462	189	44	*	*	PUNCT
fbem-16462	189	45	*	*	PUNCT
fbem-16462	189	46	0.659	0.659	NUM
fbem-16462	189	47	*	*	PUNCT
fbem-16462	189	48	*	*	PUNCT
fbem-16462	189	49	*	*	PUNCT
fbem-16462	189	50	0.124	0.124	NUM
fbem-16462	189	51	*	*	PUNCT
fbem-16462	189	52	*	*	PUNCT
fbem-16462	189	53	*	*	PUNCT
fbem-16462	189	54	0.036	0.036	NUM
fbem-16462	189	55	*	*	PUNCT
fbem-16462	189	56	*	*	PUNCT
fbem-16462	189	57	*	*	PUNCT
fbem-16462	189	58	0.659	0.659	NUM
fbem-16462	189	59	*	*	PUNCT
fbem-16462	189	60	*	*	PUNCT
fbem-16462	189	61	*	*	PUNCT
fbem-16462	189	62	0.150	0.150	NUM
fbem-16462	189	63	*	*	PUNCT
fbem-16462	189	64	*	*	PUNCT
fbem-16462	189	65	*	*	PUNCT
fbem-16462	189	66	(	(	PUNCT
fbem-16462	189	67	0.000	0.000	NUM
fbem-16462	189	68	)	)	PUNCT
fbem-16462	189	69	(	(	PUNCT
fbem-16462	189	70	0.123	0.123	NUM
fbem-16462	189	71	)	)	PUNCT
fbem-16462	189	72	(	(	PUNCT
fbem-16462	189	73	0.010	0.010	NUM
fbem-16462	189	74	)	)	PUNCT
fbem-16462	189	75	(	(	PUNCT
fbem-16462	189	76	0.000	0.000	NUM
fbem-16462	189	77	)	)	PUNCT
fbem-16462	189	78	(	(	PUNCT
fbem-16462	189	79	0.123	0.123	NUM
fbem-16462	189	80	)	)	PUNCT
fbem-16462	189	81	(	(	PUNCT
fbem-16462	189	82	0.011	0.011	NUM
fbem-16462	189	83	)	)	PUNCT
fbem-16462	189	84	happiness	happiness	NOUN
fbem-16462	189	85	—	—	PUNCT
fbem-16462	189	86	—	—	PUNCT
fbem-16462	190	1	0.049	0.049	NUM
fbem-16462	190	2	*	*	PUNCT
fbem-16462	190	3	*	*	PUNCT
fbem-16462	190	4	—	—	PUNCT
fbem-16462	190	5	—	—	PUNCT
fbem-16462	190	6	0.055	0.055	NUM
fbem-16462	190	7	*	*	PUNCT
fbem-16462	190	8	*	*	PUNCT
fbem-16462	190	9	*	*	PUNCT
fbem-16462	190	10	(	(	PUNCT
fbem-16462	190	11	0.026	0.026	NUM
fbem-16462	190	12	)	)	PUNCT
fbem-16462	190	13	(	(	PUNCT
fbem-16462	190	14	0.026	0.026	NUM
fbem-16462	190	15	)	)	PUNCT
fbem-16462	190	16	control	control	NOUN
fbem-16462	190	17	variable	variable	NOUN
fbem-16462	191	1	yes	yes	INTJ
fbem-16462	191	2	yes	yes	INTJ
fbem-16462	192	1	yes	yes	INTJ
fbem-16462	193	1	yes	yes	INTJ
fbem-16462	194	1	yes	yes	INTJ
fbem-16462	195	1	yes	yes	INTJ
fbem-16462	195	2	pseudo	pseudo	NOUN
fbem-16462	195	3	r2	r2	PROPN
fbem-16462	195	4	0.074	0.074	NUM
fbem-16462	195	5	0.041	0.041	NUM
fbem-16462	195	6	0.074	0.074	NUM
fbem-16462	195	7	0.093	0.093	NUM
fbem-16462	195	8	0.041	0.041	NUM
fbem-16462	195	9	0.093	0.093	NUM
fbem-16462	195	10	n	n	CCONJ
fbem-16462	195	11	8975	8975	NUM
fbem-16462	195	12	8972	8972	NUM
fbem-16462	195	13	8972	8972	NUM
fbem-16462	195	14	8975	8975	NUM
fbem-16462	195	15	8972	8972	NUM
fbem-16462	195	16	8972	8972	NUM
fbem-16462	195	17	note	note	NOUN
fbem-16462	195	18	:	:	PUNCT
fbem-16462	195	19	*	*	PUNCT
fbem-16462	195	20	,	,	PUNCT
fbem-16462	195	21	*	*	PUNCT
fbem-16462	195	22	*	*	PUNCT
fbem-16462	195	23	,	,	PUNCT
fbem-16462	195	24	and	and	CCONJ
fbem-16462	195	25	*	*	PUNCT
fbem-16462	195	26	*	*	PUNCT
fbem-16462	195	27	*	*	PUNCT
fbem-16462	195	28	indicate	indicate	VERB
fbem-16462	195	29	significant	significant	ADJ
fbem-16462	195	30	at	at	ADP
fbem-16462	195	31	10	10	NUM
fbem-16462	195	32	%	%	NOUN
fbem-16462	195	33	,	,	PUNCT
fbem-16462	195	34	5	5	NUM
fbem-16462	195	35	%	%	NOUN
fbem-16462	195	36	,	,	PUNCT
fbem-16462	195	37	and	and	CCONJ
fbem-16462	195	38	1	1	NUM
fbem-16462	195	39	%	%	NOUN
fbem-16462	195	40	levels	level	NOUN
fbem-16462	195	41	,	,	PUNCT
fbem-16462	195	42	respectively	respectively	ADV
fbem-16462	195	43	,	,	PUNCT
fbem-16462	195	44	and	and	CCONJ
fbem-16462	195	45	values	value	NOUN
fbem-16462	195	46	in	in	ADP
fbem-16462	195	47	parentheses	parenthesis	NOUN
fbem-16462	195	48	in	in	ADP
fbem-16462	195	49	the	the	DET
fbem-16462	195	50	table	table	NOUN
fbem-16462	195	51	are	be	AUX
fbem-16462	195	52	standard	standard	ADJ
fbem-16462	195	53	errors	error	NOUN
fbem-16462	195	54	.	.	PUNCT
fbem-16462	196	1	145	145	NUM
fbem-16462	196	2	5.2	5.2	NUM
fbem-16462	196	3	.	.	PUNCT
fbem-16462	197	1	analysis	analysis	NOUN
fbem-16462	197	2	of	of	ADP
fbem-16462	197	3	moderating	moderating	NOUN
fbem-16462	197	4	effects	effect	NOUN
fbem-16462	197	5	household	household	NOUN
fbem-16462	197	6	wealth	wealth	NOUN
fbem-16462	197	7	status	status	NOUN
fbem-16462	197	8	(	(	PUNCT
fbem-16462	197	9	wealth	wealth	NOUN
fbem-16462	197	10	_	_	PRON
fbem-16462	197	11	)	)	PUNCT
fbem-16462	197	12	is	be	AUX
fbem-16462	197	13	a	a	DET
fbem-16462	197	14	variable	variable	NOUN
fbem-16462	197	15	that	that	PRON
fbem-16462	197	16	reflects	reflect	VERB
fbem-16462	197	17	the	the	DET
fbem-16462	197	18	economic	economic	ADJ
fbem-16462	197	19	strength	strength	NOUN
fbem-16462	197	20	of	of	ADP
fbem-16462	197	21	the	the	DET
fbem-16462	197	22	household	household	NOUN
fbem-16462	197	23	.	.	PUNCT
fbem-16462	198	1	in	in	ADP
fbem-16462	198	2	this	this	DET
fbem-16462	198	3	paper	paper	NOUN
fbem-16462	198	4	,	,	PUNCT
fbem-16462	198	5	the	the	DET
fbem-16462	198	6	total	total	ADJ
fbem-16462	198	7	assets	asset	NOUN
fbem-16462	198	8	of	of	ADP
fbem-16462	198	9	a	a	DET
fbem-16462	198	10	household	household	NOUN
fbem-16462	198	11	are	be	AUX
fbem-16462	198	12	subtracted	subtract	VERB
fbem-16462	198	13	from	from	ADP
fbem-16462	198	14	the	the	DET
fbem-16462	198	15	housing	housing	NOUN
fbem-16462	198	16	assets	asset	NOUN
fbem-16462	198	17	of	of	ADP
fbem-16462	198	18	the	the	DET
fbem-16462	198	19	household	household	NOUN
fbem-16462	198	20	,	,	PUNCT
fbem-16462	198	21	and	and	CCONJ
fbem-16462	198	22	in	in	ADP
fbem-16462	198	23	order	order	NOUN
fbem-16462	198	24	to	to	PART
fbem-16462	198	25	overcome	overcome	VERB
fbem-16462	198	26	the	the	DET
fbem-16462	198	27	problem	problem	NOUN
fbem-16462	198	28	of	of	ADP
fbem-16462	198	29	heteroskedasticity	heteroskedasticity	NOUN
fbem-16462	198	30	,	,	PUNCT
fbem-16462	198	31	this	this	DET
fbem-16462	198	32	part	part	NOUN
fbem-16462	198	33	is	be	AUX
fbem-16462	198	34	logarithmically	logarithmically	ADV
fbem-16462	198	35	processed	process	VERB
fbem-16462	198	36	,	,	PUNCT
fbem-16462	198	37	so	so	SCONJ
fbem-16462	198	38	as	as	SCONJ
fbem-16462	198	39	to	to	PART
fbem-16462	198	40	obtain	obtain	VERB
fbem-16462	198	41	the	the	DET
fbem-16462	198	42	variable	variable	NOUN
fbem-16462	198	43	of	of	ADP
fbem-16462	198	44	household	household	NOUN
fbem-16462	198	45	wealth	wealth	NOUN
fbem-16462	198	46	status	status	NOUN
fbem-16462	198	47	.	.	PUNCT
fbem-16462	199	1	the	the	DET
fbem-16462	199	2	proportion	proportion	NOUN
fbem-16462	199	3	of	of	ADP
fbem-16462	199	4	investment	investment	NOUN
fbem-16462	199	5	in	in	ADP
fbem-16462	199	6	wealth	wealth	NOUN
fbem-16462	199	7	management	management	NOUN
fbem-16462	199	8	products	product	NOUN
fbem-16462	199	9	and	and	CCONJ
fbem-16462	199	10	risky	risky	ADJ
fbem-16462	199	11	financial	financial	ADJ
fbem-16462	199	12	assets	asset	NOUN
fbem-16462	199	13	of	of	ADP
fbem-16462	199	14	urban	urban	ADJ
fbem-16462	199	15	households	household	NOUN
fbem-16462	199	16	is	be	AUX
fbem-16462	199	17	taken	take	VERB
fbem-16462	199	18	as	as	ADP
fbem-16462	199	19	the	the	DET
fbem-16462	199	20	explanatory	explanatory	ADJ
fbem-16462	199	21	variable	variable	NOUN
fbem-16462	199	22	,	,	PUNCT
fbem-16462	199	23	whether	whether	SCONJ
fbem-16462	199	24	the	the	DET
fbem-16462	199	25	household	household	NOUN
fbem-16462	199	26	holds	hold	VERB
fbem-16462	199	27	housing	housing	NOUN
fbem-16462	199	28	provident	provident	ADJ
fbem-16462	199	29	fund	fund	NOUN
fbem-16462	199	30	is	be	AUX
fbem-16462	199	31	taken	take	VERB
fbem-16462	199	32	as	as	ADP
fbem-16462	199	33	the	the	DET
fbem-16462	199	34	explanatory	explanatory	ADJ
fbem-16462	199	35	variable	variable	NOUN
fbem-16462	199	36	,	,	PUNCT
fbem-16462	199	37	and	and	CCONJ
fbem-16462	199	38	the	the	DET
fbem-16462	199	39	household	household	NOUN
fbem-16462	199	40	wealth	wealth	NOUN
fbem-16462	199	41	status	status	NOUN
fbem-16462	199	42	is	be	AUX
fbem-16462	199	43	regressed	regress	VERB
fbem-16462	199	44	with	with	ADP
fbem-16462	199	45	its	its	PRON
fbem-16462	199	46	cross	cross	ADJ
fbem-16462	199	47	-	-	ADJ
fbem-16462	199	48	multiplier	multipli	ADJ
fbem-16462	199	49	term	term	NOUN
fbem-16462	199	50	.	.	PUNCT
fbem-16462	200	1	as	as	SCONJ
fbem-16462	200	2	shown	show	VERB
fbem-16462	200	3	in	in	ADP
fbem-16462	200	4	table	table	NOUN
fbem-16462	200	5	9	9	NUM
fbem-16462	200	6	below	below	ADV
fbem-16462	200	7	,	,	PUNCT
fbem-16462	200	8	there	there	PRON
fbem-16462	200	9	is	be	VERB
fbem-16462	200	10	a	a	DET
fbem-16462	200	11	moderating	moderate	VERB
fbem-16462	200	12	effect	effect	NOUN
fbem-16462	200	13	of	of	ADP
fbem-16462	200	14	household	household	NOUN
fbem-16462	200	15	wealth	wealth	NOUN
fbem-16462	200	16	status	status	NOUN
fbem-16462	200	17	between	between	ADP
fbem-16462	200	18	the	the	DET
fbem-16462	200	19	ratio	ratio	NOUN
fbem-16462	200	20	of	of	ADP
fbem-16462	200	21	household	household	NOUN
fbem-16462	200	22	housing	housing	PROPN
fbem-16462	200	23	provident	provident	ADJ
fbem-16462	200	24	fund	fund	NOUN
fbem-16462	200	25	holdings	holding	NOUN
fbem-16462	200	26	and	and	CCONJ
fbem-16462	200	27	investment	investment	NOUN
fbem-16462	200	28	in	in	ADP
fbem-16462	200	29	financial	financial	ADJ
fbem-16462	200	30	products	product	NOUN
fbem-16462	200	31	,	,	PUNCT
fbem-16462	200	32	and	and	CCONJ
fbem-16462	200	33	the	the	DET
fbem-16462	200	34	moderating	moderate	VERB
fbem-16462	200	35	effect	effect	NOUN
fbem-16462	200	36	coefficient	coefficient	NOUN
fbem-16462	200	37	is	be	AUX
fbem-16462	200	38	positively	positively	ADV
fbem-16462	200	39	significant	significant	ADJ
fbem-16462	200	40	at	at	ADP
fbem-16462	200	41	the	the	DET
fbem-16462	200	42	1	1	NUM
fbem-16462	200	43	%	%	NOUN
fbem-16462	200	44	level	level	NOUN
fbem-16462	200	45	;	;	PUNCT
fbem-16462	200	46	meanwhile	meanwhile	ADV
fbem-16462	200	47	,	,	PUNCT
fbem-16462	200	48	there	there	PRON
fbem-16462	200	49	is	be	VERB
fbem-16462	200	50	a	a	DET
fbem-16462	200	51	moderating	moderate	VERB
fbem-16462	200	52	effect	effect	NOUN
fbem-16462	200	53	of	of	ADP
fbem-16462	200	54	household	household	NOUN
fbem-16462	200	55	wealth	wealth	NOUN
fbem-16462	200	56	status	status	NOUN
fbem-16462	200	57	between	between	ADP
fbem-16462	200	58	the	the	DET
fbem-16462	200	59	ratio	ratio	NOUN
fbem-16462	200	60	of	of	ADP
fbem-16462	200	61	household	household	NOUN
fbem-16462	200	62	housing	housing	PROPN
fbem-16462	200	63	provident	provident	ADJ
fbem-16462	200	64	fund	fund	NOUN
fbem-16462	200	65	holdings	holding	NOUN
fbem-16462	200	66	and	and	CCONJ
fbem-16462	200	67	investment	investment	NOUN
fbem-16462	200	68	in	in	ADP
fbem-16462	200	69	risky	risky	ADJ
fbem-16462	200	70	financial	financial	ADJ
fbem-16462	200	71	assets	asset	NOUN
fbem-16462	200	72	,	,	PUNCT
fbem-16462	200	73	and	and	CCONJ
fbem-16462	200	74	the	the	DET
fbem-16462	200	75	moderating	moderate	VERB
fbem-16462	200	76	effect	effect	NOUN
fbem-16462	200	77	coefficient	coefficient	NOUN
fbem-16462	200	78	is	be	AUX
fbem-16462	200	79	also	also	ADV
fbem-16462	200	80	positively	positively	ADV
fbem-16462	200	81	significant	significant	ADJ
fbem-16462	200	82	at	at	ADP
fbem-16462	200	83	the	the	DET
fbem-16462	200	84	1	1	NUM
fbem-16462	200	85	%	%	NOUN
fbem-16462	200	86	level	level	NOUN
fbem-16462	200	87	.	.	PUNCT
fbem-16462	201	1	the	the	DET
fbem-16462	201	2	empirical	empirical	ADJ
fbem-16462	201	3	results	result	NOUN
fbem-16462	201	4	are	be	AUX
fbem-16462	201	5	consistent	consistent	ADJ
fbem-16462	201	6	with	with	ADP
fbem-16462	201	7	hypothesis	hypothesis	NOUN
fbem-16462	201	8	3	3	NUM
fbem-16462	201	9	that	that	PRON
fbem-16462	201	10	household	household	NOUN
fbem-16462	201	11	wealth	wealth	NOUN
fbem-16462	201	12	status	status	NOUN
fbem-16462	201	13	will	will	AUX
fbem-16462	201	14	have	have	VERB
fbem-16462	201	15	a	a	DET
fbem-16462	201	16	positive	positive	ADJ
fbem-16462	201	17	moderating	moderate	VERB
fbem-16462	201	18	effect	effect	NOUN
fbem-16462	201	19	on	on	ADP
fbem-16462	201	20	housing	housing	PROPN
fbem-16462	201	21	provident	provident	ADJ
fbem-16462	201	22	fund	fund	NOUN
fbem-16462	201	23	holding	holding	NOUN
fbem-16462	201	24	and	and	CCONJ
fbem-16462	201	25	investment	investment	NOUN
fbem-16462	201	26	in	in	ADP
fbem-16462	201	27	financial	financial	ADJ
fbem-16462	201	28	products	product	NOUN
fbem-16462	201	29	and	and	CCONJ
fbem-16462	201	30	risky	risky	ADJ
fbem-16462	201	31	financial	financial	ADJ
fbem-16462	201	32	assets	asset	NOUN
fbem-16462	201	33	.	.	PUNCT
fbem-16462	202	1	that	that	PRON
fbem-16462	202	2	is	be	AUX
fbem-16462	202	3	,	,	PUNCT
fbem-16462	202	4	the	the	PRON
fbem-16462	202	5	better	well	ADJ
fbem-16462	202	6	the	the	DET
fbem-16462	202	7	household	household	NOUN
fbem-16462	202	8	wealth	wealth	NOUN
fbem-16462	202	9	status	status	NOUN
fbem-16462	202	10	,	,	PUNCT
fbem-16462	202	11	the	the	PRON
fbem-16462	202	12	more	more	ADV
fbem-16462	202	13	the	the	DET
fbem-16462	202	14	housing	housing	PROPN
fbem-16462	202	15	provident	provident	PROPN
fbem-16462	202	16	fund	fund	NOUN
fbem-16462	202	17	ownership	ownership	NOUN
fbem-16462	202	18	will	will	AUX
fbem-16462	202	19	increase	increase	VERB
fbem-16462	202	20	the	the	DET
fbem-16462	202	21	ratio	ratio	NOUN
fbem-16462	202	22	of	of	ADP
fbem-16462	202	23	investment	investment	NOUN
fbem-16462	202	24	in	in	ADP
fbem-16462	202	25	financial	financial	ADJ
fbem-16462	202	26	products	product	NOUN
fbem-16462	202	27	and	and	CCONJ
fbem-16462	202	28	risky	risky	ADJ
fbem-16462	202	29	financial	financial	ADJ
fbem-16462	202	30	assets	asset	NOUN
fbem-16462	202	31	.	.	PUNCT
fbem-16462	203	1	table	table	NOUN
fbem-16462	203	2	9	9	NUM
fbem-16462	203	3	.	.	PUNCT
fbem-16462	204	1	analysis	analysis	NOUN
fbem-16462	204	2	of	of	ADP
fbem-16462	204	3	moderating	moderating	NOUN
fbem-16462	204	4	effects	effect	NOUN
fbem-16462	204	5	of	of	ADP
fbem-16462	204	6	household	household	NOUN
fbem-16462	204	7	wealth	wealth	NOUN
fbem-16462	204	8	status	status	NOUN
fbem-16462	204	9	(	(	PUNCT
fbem-16462	204	10	1	1	NUM
fbem-16462	204	11	)	)	PUNCT
fbem-16462	204	12	(	(	PUNCT
fbem-16462	204	13	2	2	X
fbem-16462	204	14	)	)	PUNCT
fbem-16462	204	15	fp	fp	ADJ
fbem-16462	204	16	-	-	PUNCT
fbem-16462	204	17	ratio	ratio	NOUN
fbem-16462	204	18	risk	risk	NOUN
fbem-16462	204	19	-	-	PUNCT
fbem-16462	204	20	ratio	ratio	NOUN
fbem-16462	204	21	hpf	hpf	NOUN
fbem-16462	204	22	-0.004	-0.004	PUNCT
fbem-16462	204	23	(	(	PUNCT
fbem-16462	204	24	0.003	0.003	NUM
fbem-16462	204	25	)	)	PUNCT
fbem-16462	204	26	-0.000	-0.000	PUNCT
fbem-16462	204	27	(	(	PUNCT
fbem-16462	204	28	0.004	0.004	NUM
fbem-16462	204	29	)	)	PUNCT
fbem-16462	204	30	wealth	wealth	NOUN
fbem-16462	204	31	_	_	NOUN
fbem-16462	205	1	0.017	0.017	NUM
fbem-16462	205	2	*	*	PUNCT
fbem-16462	205	3	*	*	PUNCT
fbem-16462	205	4	*	*	PUNCT
fbem-16462	205	5	(	(	PUNCT
fbem-16462	205	6	0.001	0.001	NUM
fbem-16462	205	7	)	)	PUNCT
fbem-16462	205	8	0.019	0.019	NUM
fbem-16462	205	9	*	*	PUNCT
fbem-16462	205	10	*	*	PUNCT
fbem-16462	205	11	*	*	PUNCT
fbem-16462	205	12	(	(	PUNCT
fbem-16462	205	13	0.001	0.001	NUM
fbem-16462	205	14	)	)	PUNCT
fbem-16462	205	15	hpf*wealth	hpf*wealth	NOUN
fbem-16462	205	16	_	_	NOUN
fbem-16462	205	17	0.014	0.014	NUM
fbem-16462	205	18	*	*	PUNCT
fbem-16462	205	19	*	*	PUNCT
fbem-16462	205	20	*	*	PUNCT
fbem-16462	205	21	(	(	PUNCT
fbem-16462	205	22	0.002	0.002	NUM
fbem-16462	205	23	)	)	PUNCT
fbem-16462	205	24	0.023	0.023	NUM
fbem-16462	205	25	*	*	PUNCT
fbem-16462	205	26	*	*	PUNCT
fbem-16462	205	27	*	*	PUNCT
fbem-16462	205	28	(	(	PUNCT
fbem-16462	205	29	0.003	0.003	NUM
fbem-16462	205	30	)	)	PUNCT
fbem-16462	205	31	control	control	NOUN
fbem-16462	205	32	variable	variable	NOUN
fbem-16462	206	1	yes	yes	INTJ
fbem-16462	206	2	yes	yes	INTJ
fbem-16462	206	3	note	note	VERB
fbem-16462	206	4	:	:	PUNCT
fbem-16462	206	5	*	*	PUNCT
fbem-16462	206	6	,	,	PUNCT
fbem-16462	206	7	*	*	PUNCT
fbem-16462	206	8	*	*	PUNCT
fbem-16462	206	9	,	,	PUNCT
fbem-16462	206	10	and	and	CCONJ
fbem-16462	206	11	*	*	PUNCT
fbem-16462	206	12	*	*	PUNCT
fbem-16462	206	13	*	*	PUNCT
fbem-16462	206	14	indicate	indicate	VERB
fbem-16462	206	15	significant	significant	ADJ
fbem-16462	206	16	at	at	ADP
fbem-16462	206	17	10	10	NUM
fbem-16462	206	18	%	%	NOUN
fbem-16462	206	19	,	,	PUNCT
fbem-16462	206	20	5	5	NUM
fbem-16462	206	21	%	%	NOUN
fbem-16462	206	22	,	,	PUNCT
fbem-16462	206	23	and	and	CCONJ
fbem-16462	206	24	1	1	NUM
fbem-16462	206	25	%	%	NOUN
fbem-16462	206	26	levels	level	NOUN
fbem-16462	206	27	,	,	PUNCT
fbem-16462	206	28	respectively	respectively	ADV
fbem-16462	206	29	,	,	PUNCT
fbem-16462	206	30	and	and	CCONJ
fbem-16462	206	31	values	value	NOUN
fbem-16462	206	32	in	in	ADP
fbem-16462	206	33	parentheses	parenthesis	NOUN
fbem-16462	206	34	in	in	ADP
fbem-16462	206	35	the	the	DET
fbem-16462	206	36	table	table	NOUN
fbem-16462	206	37	are	be	AUX
fbem-16462	206	38	standard	standard	ADJ
fbem-16462	206	39	errors	error	NOUN
fbem-16462	206	40	.	.	PUNCT
fbem-16462	207	1	6	6	X
fbem-16462	207	2	.	.	X
fbem-16462	207	3	conclusions	conclusion	NOUN
fbem-16462	207	4	and	and	CCONJ
fbem-16462	207	5	policy	policy	NOUN
fbem-16462	207	6	recommendations	recommendation	NOUN
fbem-16462	207	7	this	this	DET
fbem-16462	207	8	paper	paper	NOUN
fbem-16462	207	9	uses	use	VERB
fbem-16462	207	10	2019	2019	NUM
fbem-16462	207	11	chfs	chfs	NOUN
fbem-16462	207	12	data	datum	NOUN
fbem-16462	207	13	to	to	PART
fbem-16462	207	14	study	study	VERB
fbem-16462	207	15	the	the	DET
fbem-16462	207	16	impact	impact	NOUN
fbem-16462	207	17	of	of	ADP
fbem-16462	207	18	housing	housing	PROPN
fbem-16462	207	19	provident	provident	ADJ
fbem-16462	207	20	fund	fund	NOUN
fbem-16462	207	21	holdings	holding	NOUN
fbem-16462	207	22	on	on	ADP
fbem-16462	207	23	urban	urban	ADJ
fbem-16462	207	24	households	household	NOUN
fbem-16462	207	25	’	'	PUNCT
fbem-16462	207	26	investment	investment	NOUN
fbem-16462	207	27	in	in	ADP
fbem-16462	207	28	risky	risky	ADJ
fbem-16462	207	29	financial	financial	ADJ
fbem-16462	207	30	assets	asset	NOUN
fbem-16462	207	31	.	.	PUNCT
fbem-16462	208	1	based	base	VERB
fbem-16462	208	2	on	on	ADP
fbem-16462	208	3	tobit	tobit	NOUN
fbem-16462	208	4	regression	regression	NOUN
fbem-16462	208	5	,	,	PUNCT
fbem-16462	208	6	it	it	PRON
fbem-16462	208	7	is	be	AUX
fbem-16462	208	8	found	find	VERB
fbem-16462	208	9	that	that	SCONJ
fbem-16462	208	10	holding	hold	VERB
fbem-16462	208	11	housing	housing	NOUN
fbem-16462	208	12	provident	provident	ADJ
fbem-16462	208	13	fund	fund	NOUN
fbem-16462	208	14	increases	increase	VERB
fbem-16462	208	15	the	the	DET
fbem-16462	208	16	investment	investment	NOUN
fbem-16462	208	17	ratio	ratio	NOUN
fbem-16462	208	18	of	of	ADP
fbem-16462	208	19	urban	urban	ADJ
fbem-16462	208	20	households	household	NOUN
fbem-16462	208	21	in	in	ADP
fbem-16462	208	22	financial	financial	ADJ
fbem-16462	208	23	products	product	NOUN
fbem-16462	208	24	and	and	CCONJ
fbem-16462	208	25	risky	risky	ADJ
fbem-16462	208	26	financial	financial	ADJ
fbem-16462	208	27	assets	asset	NOUN
fbem-16462	208	28	,	,	PUNCT
fbem-16462	208	29	and	and	CCONJ
fbem-16462	208	30	the	the	DET
fbem-16462	208	31	results	result	NOUN
fbem-16462	208	32	also	also	ADV
fbem-16462	208	33	remain	remain	VERB
fbem-16462	208	34	robust	robust	ADJ
fbem-16462	208	35	after	after	ADP
fbem-16462	208	36	treatment	treatment	NOUN
fbem-16462	208	37	with	with	ADP
fbem-16462	208	38	replacement	replacement	NOUN
fbem-16462	208	39	variables	variable	NOUN
fbem-16462	208	40	,	,	PUNCT
fbem-16462	208	41	instrumental	instrumental	ADJ
fbem-16462	208	42	variables	variable	NOUN
fbem-16462	208	43	,	,	PUNCT
fbem-16462	208	44	and	and	CCONJ
fbem-16462	208	45	sample	sample	VERB
fbem-16462	208	46	selectivity	selectivity	NOUN
fbem-16462	208	47	bias	bias	NOUN
fbem-16462	208	48	.	.	PUNCT
fbem-16462	209	1	from	from	ADP
fbem-16462	209	2	the	the	DET
fbem-16462	209	3	heterogeneity	heterogeneity	NOUN
fbem-16462	209	4	analysis	analysis	NOUN
fbem-16462	209	5	,	,	PUNCT
fbem-16462	209	6	low	low	ADJ
fbem-16462	209	7	-	-	PUNCT
fbem-16462	209	8	income	income	NOUN
fbem-16462	209	9	households	household	NOUN
fbem-16462	209	10	tend	tend	VERB
fbem-16462	209	11	to	to	PART
fbem-16462	209	12	invest	invest	VERB
fbem-16462	209	13	in	in	ADP
fbem-16462	209	14	lower	low	ADJ
fbem-16462	209	15	-	-	PUNCT
fbem-16462	209	16	risk	risk	NOUN
fbem-16462	209	17	financial	financial	ADJ
fbem-16462	209	18	products	product	NOUN
fbem-16462	209	19	;	;	PUNCT
fbem-16462	209	20	low	low	ADJ
fbem-16462	209	21	-	-	PUNCT
fbem-16462	209	22	financial	financial	ADJ
fbem-16462	209	23	literacy	literacy	NOUN
fbem-16462	209	24	households	household	NOUN
fbem-16462	209	25	will	will	AUX
fbem-16462	209	26	tend	tend	VERB
fbem-16462	209	27	to	to	PART
fbem-16462	209	28	make	make	VERB
fbem-16462	209	29	relatively	relatively	ADV
fbem-16462	209	30	low	low	ADJ
fbem-16462	209	31	-	-	PUNCT
fbem-16462	209	32	risk	risk	NOUN
fbem-16462	209	33	financial	financial	ADJ
fbem-16462	209	34	asset	asset	NOUN
fbem-16462	209	35	investments	investment	NOUN
fbem-16462	209	36	.	.	PUNCT
fbem-16462	210	1	second	second	ADJ
fbem-16462	210	2	,	,	PUNCT
fbem-16462	210	3	this	this	DET
fbem-16462	210	4	paper	paper	NOUN
fbem-16462	210	5	finds	find	VERB
fbem-16462	210	6	that	that	SCONJ
fbem-16462	210	7	holding	hold	VERB
fbem-16462	210	8	housing	housing	NOUN
fbem-16462	210	9	provident	provident	ADJ
fbem-16462	210	10	funds	fund	NOUN
fbem-16462	210	11	significantly	significantly	ADV
fbem-16462	210	12	increases	increase	VERB
fbem-16462	210	13	urban	urban	ADJ
fbem-16462	210	14	households	household	NOUN
fbem-16462	210	15	’	'	PUNCT
fbem-16462	210	16	future	future	ADJ
fbem-16462	210	17	expectations	expectation	NOUN
fbem-16462	210	18	,	,	PUNCT
fbem-16462	210	19	thus	thus	ADV
fbem-16462	210	20	increasing	increase	VERB
fbem-16462	210	21	their	their	PRON
fbem-16462	210	22	investment	investment	NOUN
fbem-16462	210	23	ratios	ratio	NOUN
fbem-16462	210	24	in	in	ADP
fbem-16462	210	25	financial	financial	ADJ
fbem-16462	210	26	products	product	NOUN
fbem-16462	210	27	and	and	CCONJ
fbem-16462	210	28	risky	risky	ADJ
fbem-16462	210	29	financial	financial	ADJ
fbem-16462	210	30	assets	asset	NOUN
fbem-16462	210	31	.	.	PUNCT
fbem-16462	211	1	holding	hold	VERB
fbem-16462	211	2	housing	housing	PROPN
fbem-16462	211	3	provident	provident	ADJ
fbem-16462	211	4	fund	fund	NOUN
fbem-16462	211	5	also	also	ADV
fbem-16462	211	6	increases	increase	VERB
fbem-16462	211	7	residents	resident	NOUN
fbem-16462	211	8	’	'	PUNCT
fbem-16462	211	9	happiness	happiness	NOUN
fbem-16462	211	10	,	,	PUNCT
fbem-16462	211	11	which	which	PRON
fbem-16462	211	12	in	in	ADP
fbem-16462	211	13	turn	turn	NOUN
fbem-16462	211	14	increases	increase	VERB
fbem-16462	211	15	urban	urban	ADJ
fbem-16462	211	16	households	household	NOUN
fbem-16462	211	17	’	'	PUNCT
fbem-16462	211	18	investment	investment	NOUN
fbem-16462	211	19	in	in	ADP
fbem-16462	211	20	financial	financial	ADJ
fbem-16462	211	21	products	product	NOUN
fbem-16462	211	22	and	and	CCONJ
fbem-16462	211	23	risky	risky	ADJ
fbem-16462	211	24	assets	asset	NOUN
fbem-16462	211	25	.	.	PUNCT
fbem-16462	212	1	the	the	PRON
fbem-16462	212	2	better	well	ADJ
fbem-16462	212	3	the	the	DET
fbem-16462	212	4	household	household	NOUN
fbem-16462	212	5	’s	’s	PART
fbem-16462	212	6	financial	financial	ADJ
fbem-16462	212	7	situation	situation	NOUN
fbem-16462	212	8	,	,	PUNCT
fbem-16462	212	9	the	the	PRON
fbem-16462	212	10	higher	high	ADJ
fbem-16462	212	11	the	the	DET
fbem-16462	212	12	ratio	ratio	NOUN
fbem-16462	212	13	of	of	ADP
fbem-16462	212	14	investment	investment	NOUN
fbem-16462	212	15	in	in	ADP
fbem-16462	212	16	financial	financial	ADJ
fbem-16462	212	17	products	product	NOUN
fbem-16462	212	18	and	and	CCONJ
fbem-16462	212	19	risky	risky	ADJ
fbem-16462	212	20	financial	financial	ADJ
fbem-16462	212	21	assets	asset	NOUN
fbem-16462	212	22	will	will	AUX
fbem-16462	212	23	be	be	AUX
fbem-16462	212	24	increased	increase	VERB
fbem-16462	212	25	by	by	ADP
fbem-16462	212	26	holding	hold	VERB
fbem-16462	212	27	housing	housing	NOUN
fbem-16462	212	28	provident	provident	ADJ
fbem-16462	212	29	fund	fund	PROPN
fbem-16462	212	30	.	.	PUNCT
fbem-16462	213	1	based	base	VERB
fbem-16462	213	2	on	on	ADP
fbem-16462	213	3	the	the	DET
fbem-16462	213	4	above	above	ADJ
fbem-16462	213	5	findings	finding	NOUN
fbem-16462	213	6	,	,	PUNCT
fbem-16462	213	7	this	this	DET
fbem-16462	213	8	paper	paper	NOUN
fbem-16462	213	9	concludes	conclude	VERB
fbem-16462	213	10	the	the	DET
fbem-16462	213	11	following	follow	VERB
fbem-16462	213	12	policy	policy	NOUN
fbem-16462	213	13	recommendations	recommendation	NOUN
fbem-16462	213	14	:	:	PUNCT
fbem-16462	213	15	first	first	ADV
fbem-16462	213	16	,	,	PUNCT
fbem-16462	213	17	the	the	DET
fbem-16462	213	18	government	government	NOUN
fbem-16462	213	19	can	can	AUX
fbem-16462	213	20	improve	improve	VERB
fbem-16462	213	21	the	the	DET
fbem-16462	213	22	social	social	ADJ
fbem-16462	213	23	security	security	NOUN
fbem-16462	213	24	system	system	NOUN
fbem-16462	213	25	so	so	SCONJ
fbem-16462	213	26	that	that	SCONJ
fbem-16462	213	27	more	more	ADV
fbem-16462	213	28	urban	urban	ADJ
fbem-16462	213	29	households	household	NOUN
fbem-16462	213	30	can	can	AUX
fbem-16462	213	31	enjoy	enjoy	VERB
fbem-16462	213	32	housing	housing	NOUN
fbem-16462	213	33	provident	provident	ADJ
fbem-16462	213	34	funds	fund	NOUN
fbem-16462	213	35	,	,	PUNCT
fbem-16462	213	36	thus	thus	ADV
fbem-16462	213	37	allowing	allow	VERB
fbem-16462	213	38	urban	urban	ADJ
fbem-16462	213	39	households	household	NOUN
fbem-16462	213	40	to	to	PART
fbem-16462	213	41	increase	increase	VERB
fbem-16462	213	42	their	their	PRON
fbem-16462	213	43	investment	investment	NOUN
fbem-16462	213	44	in	in	ADP
fbem-16462	213	45	financial	financial	ADJ
fbem-16462	213	46	products	product	NOUN
fbem-16462	213	47	and	and	CCONJ
fbem-16462	213	48	risky	risky	ADJ
fbem-16462	213	49	financial	financial	ADJ
fbem-16462	213	50	assets	asset	NOUN
fbem-16462	213	51	.	.	PUNCT
fbem-16462	214	1	second	second	ADJ
fbem-16462	214	2	,	,	PUNCT
fbem-16462	214	3	sound	sound	ADJ
fbem-16462	214	4	and	and	CCONJ
fbem-16462	214	5	positive	positive	ADJ
fbem-16462	214	6	policies	policy	NOUN
fbem-16462	214	7	can	can	AUX
fbem-16462	214	8	be	be	AUX
fbem-16462	214	9	introduced	introduce	VERB
fbem-16462	214	10	to	to	PART
fbem-16462	214	11	raise	raise	VERB
fbem-16462	214	12	urban	urban	ADJ
fbem-16462	214	13	households	household	NOUN
fbem-16462	214	14	'	'	PART
fbem-16462	214	15	expectations	expectation	NOUN
fbem-16462	214	16	for	for	ADP
fbem-16462	214	17	the	the	DET
fbem-16462	214	18	future	future	NOUN
fbem-16462	214	19	,	,	PUNCT
fbem-16462	214	20	so	so	SCONJ
fbem-16462	214	21	that	that	SCONJ
fbem-16462	214	22	they	they	PRON
fbem-16462	214	23	can	can	AUX
fbem-16462	214	24	increase	increase	VERB
fbem-16462	214	25	their	their	PRON
fbem-16462	214	26	investment	investment	NOUN
fbem-16462	214	27	ratio	ratio	NOUN
fbem-16462	214	28	in	in	ADP
fbem-16462	214	29	financial	financial	ADJ
fbem-16462	214	30	products	product	NOUN
fbem-16462	214	31	and	and	CCONJ
fbem-16462	214	32	risky	risky	ADJ
fbem-16462	214	33	financial	financial	ADJ
fbem-16462	214	34	assets	asset	NOUN
fbem-16462	214	35	.	.	PUNCT
fbem-16462	215	1	finally	finally	ADV
fbem-16462	215	2	,	,	PUNCT
fbem-16462	215	3	urban	urban	ADJ
fbem-16462	215	4	households	household	NOUN
fbem-16462	215	5	can	can	AUX
fbem-16462	215	6	improve	improve	VERB
fbem-16462	215	7	their	their	PRON
fbem-16462	215	8	understanding	understanding	NOUN
fbem-16462	215	9	of	of	ADP
fbem-16462	215	10	financial	financial	ADJ
fbem-16462	215	11	knowledge	knowledge	NOUN
fbem-16462	215	12	and	and	CCONJ
fbem-16462	215	13	enhance	enhance	VERB
fbem-16462	215	14	their	their	PRON
fbem-16462	215	15	financial	financial	ADJ
fbem-16462	215	16	literacy	literacy	NOUN
fbem-16462	215	17	so	so	SCONJ
fbem-16462	215	18	that	that	SCONJ
fbem-16462	215	19	they	they	PRON
fbem-16462	215	20	can	can	AUX
fbem-16462	215	21	invest	invest	VERB
fbem-16462	215	22	in	in	ADP
fbem-16462	215	23	risky	risky	ADJ
fbem-16462	215	24	financial	financial	ADJ
fbem-16462	215	25	products	product	NOUN
fbem-16462	215	26	in	in	ADP
fbem-16462	215	27	a	a	DET
fbem-16462	215	28	more	more	ADV
fbem-16462	215	29	rational	rational	ADJ
fbem-16462	215	30	manner	manner	NOUN
fbem-16462	215	31	.	.	PUNCT
fbem-16462	216	1	references	reference	NOUN
fbem-16462	216	2	[	[	X
fbem-16462	216	3	1	1	NUM
fbem-16462	216	4	]	]	SYM
fbem-16462	216	5	xiaoni	xiaoni	PROPN
fbem-16462	216	6	zhang	zhang	PROPN
fbem-16462	216	7	.	.	PROPN
fbem-16462	217	1	review	review	NOUN
fbem-16462	217	2	and	and	CCONJ
fbem-16462	217	3	prospect	prospect	NOUN
fbem-16462	217	4	of	of	ADP
fbem-16462	217	5	consumer	consumer	NOUN
fbem-16462	217	6	finance	finance	NOUN
fbem-16462	217	7	research	research	NOUN
fbem-16462	218	1	[	[	X
fbem-16462	218	2	j	j	X
fbem-16462	218	3	]	]	X
fbem-16462	218	4	.	.	PUNCT
fbem-16462	219	1	research	research	NOUN
fbem-16462	219	2	on	on	ADP
fbem-16462	219	3	business	business	PROPN
fbem-16462	219	4	economy,2020(05):171173	economy,2020(05):171173	NOUN
fbem-16462	219	5	.	.	PUNCT
fbem-16462	220	1	[	[	X
fbem-16462	220	2	2	2	NUM
fbem-16462	220	3	]	]	PUNCT
fbem-16462	220	4	lin	lin	PROPN
fbem-16462	220	5	defa	defa	PROPN
fbem-16462	220	6	,	,	PUNCT
fbem-16462	220	7	xueyao	xueyao	PROPN
fbem-16462	220	8	wang	wang	PROPN
fbem-16462	220	9	.	.	PUNCT
fbem-16462	221	1	analysis	analysis	NOUN
fbem-16462	221	2	of	of	ADP
fbem-16462	221	3	optimal	optimal	ADJ
fbem-16462	221	4	allocation	allocation	NOUN
fbem-16462	221	5	of	of	ADP
fbem-16462	221	6	household	household	NOUN
fbem-16462	221	7	investment	investment	NOUN
fbem-16462	221	8	financial	financial	ADJ
fbem-16462	221	9	assets	asset	NOUN
fbem-16462	221	10	based	base	VERB
fbem-16462	221	11	on	on	ADP
fbem-16462	221	12	heterogeneity	heterogeneity	PROPN
fbem-16462	221	13	perspective[j	perspective[j	PROPN
fbem-16462	221	14	]	]	PUNCT
fbem-16462	221	15	.	.	PUNCT
fbem-16462	222	1	southwest	southwest	PROPN
fbem-16462	222	2	finance,2019(09):73	finance,2019(09):73	PROPN
fbem-16462	222	3	-	-	NUM
fbem-16462	222	4	80	80	NUM
fbem-16462	222	5	.	.	PUNCT
fbem-16462	223	1	[	[	X
fbem-16462	223	2	3	3	X
fbem-16462	223	3	]	]	X
fbem-16462	223	4	chen	chen	PROPN
fbem-16462	223	5	lei	lei	PROPN
fbem-16462	223	6	.	.	PROPN
fbem-16462	223	7	research	research	NOUN
fbem-16462	223	8	on	on	ADP
fbem-16462	223	9	chinese	chinese	ADJ
fbem-16462	223	10	household	household	NOUN
fbem-16462	223	11	asset	asset	NOUN
fbem-16462	223	12	allocation	allocation	NOUN
fbem-16462	223	13	based	base	VERB
fbem-16462	223	14	on	on	ADP
fbem-16462	223	15	the	the	DET
fbem-16462	223	16	prospective	prospective	NOUN
fbem-16462	223	17	of	of	ADP
fbem-16462	223	18	financial	financial	ADJ
fbem-16462	223	19	constraint[j	constraint[j	NOUN
fbem-16462	223	20	]	]	PUNCT
fbem-16462	223	21	.	.	PUNCT
fbem-16462	224	1	fujian	fujian	PROPN
fbem-16462	224	2	forum	forum	PROPN
fbem-16462	224	3	(	(	PUNCT
fbem-16462	224	4	humanities	humanity	NOUN
fbem-16462	224	5	and	and	CCONJ
fbem-16462	224	6	social	social	ADJ
fbem-16462	224	7	science	science	NOUN
fbem-16462	224	8	edition),2015(11):4146	edition),2015(11):4146	NOUN
fbem-16462	224	9	.	.	PUNCT
fbem-16462	225	1	[	[	X
fbem-16462	225	2	4	4	NUM
fbem-16462	225	3	]	]	X
fbem-16462	225	4	wei	wei	PROPN
fbem-16462	225	5	zhao	zhao	PROPN
fbem-16462	225	6	,	,	PUNCT
fbem-16462	225	7	song	song	NOUN
fbem-16462	225	8	quanyun	quanyun	PROPN
fbem-16462	225	9	.	.	PUNCT
fbem-16462	226	1	family	family	NOUN
fbem-16462	226	2	asset	asset	NOUN
fbem-16462	226	3	allocation	allocation	NOUN
fbem-16462	226	4	under	under	ADP
fbem-16462	226	5	internet	internet	NOUN
fbem-16462	226	6	finance[j	finance[j	NOUN
fbem-16462	226	7	]	]	PUNCT
fbem-16462	226	8	.	.	PUNCT
fbem-16462	227	1	financial	financial	ADJ
fbem-16462	227	2	science	science	NOUN
fbem-16462	227	3	,	,	PUNCT
fbem-16462	227	4	2016(07):52	2016(07):52	NUM
fbem-16462	227	5	-	-	SYM
fbem-16462	227	6	60	60	NUM
fbem-16462	227	7	.	.	PUNCT
fbem-16462	228	1	[	[	X
fbem-16462	228	2	5	5	X
fbem-16462	228	3	]	]	X
fbem-16462	228	4	zhang	zhang	PROPN
fbem-16462	228	5	gan	gan	PROPN
fbem-16462	228	6	,	,	PUNCT
fbem-16462	228	7	gao	gao	PROPN
fbem-16462	228	8	jiechao	jiechao	PROPN
fbem-16462	228	9	,	,	PUNCT
fbem-16462	228	10	fan	fan	PROPN
fbem-16462	228	11	conglai	conglai	PROPN
fbem-16462	228	12	.	.	PUNCT
fbem-16462	229	1	asset	asset	NOUN
fbem-16462	229	2	shortage	shortage	NOUN
fbem-16462	229	3	,	,	PUNCT
fbem-16462	229	4	household	household	NOUN
fbem-16462	229	5	asset	asset	NOUN
fbem-16462	229	6	allocation	allocation	NOUN
fbem-16462	229	7	and	and	CCONJ
fbem-16462	229	8	commercial	commercial	ADJ
fbem-16462	229	9	bank	bank	NOUN
fbem-16462	229	10	transformation	transformation	NOUN
fbem-16462	230	1	[	[	X
fbem-16462	230	2	j	j	X
fbem-16462	230	3	]	]	X
fbem-16462	230	4	.	.	PUNCT
fbem-16462	231	1	financial	financial	ADJ
fbem-16462	231	2	forum,2017,22(02):13	forum,2017,22(02):13	PROPN
fbem-16462	231	3	-	-	PUNCT
fbem-16462	231	4	24	24	NUM
fbem-16462	231	5	.	.	PUNCT
fbem-16462	232	1	[	[	X
fbem-16462	232	2	6	6	NUM
fbem-16462	232	3	]	]	PUNCT
fbem-16462	232	4	campbell	campbell	PROPN
fbem-16462	232	5	.	.	PUNCT
fbem-16462	233	1	jy	jy	PROPN
fbem-16462	233	2	.	.	PUNCT
fbem-16462	234	1	household	household	PROPN
fbem-16462	234	2	finance[j].the	finance[j].the	DET
fbem-16462	234	3	journal	journal	PROPN
fbem-16462	234	4	of	of	ADP
fbem-16462	234	5	finance	finance	NOUN
fbem-16462	234	6	,	,	PUNCT
fbem-16462	234	7	2006	2006	NUM
fbem-16462	234	8	,	,	PUNCT
fbem-16462	234	9	61(4	61(4	NUM
fbem-16462	234	10	):	):	PUNCT
fbem-16462	234	11	1553	1553	NUM
fbem-16462	234	12	-	-	SYM
fbem-16462	234	13	1604	1604	NUM
fbem-16462	234	14	.	.	PUNCT
fbem-16462	235	1	[	[	X
fbem-16462	235	2	7	7	X
fbem-16462	235	3	]	]	X
fbem-16462	235	4	zang	zang	PROPN
fbem-16462	235	5	rihong	rihong	PROPN
fbem-16462	235	6	,	,	PUNCT
fbem-16462	235	7	wang	wang	PROPN
fbem-16462	235	8	yu	yu	PROPN
fbem-16462	235	9	.	.	PUNCT
fbem-16462	235	10	social	social	PROPN
fbem-16462	235	11	trust	trust	NOUN
fbem-16462	235	12	and	and	CCONJ
fbem-16462	235	13	investment	investment	NOUN
fbem-16462	235	14	in	in	ADP
fbem-16462	235	15	risky	risky	ADJ
fbem-16462	235	16	financial	financial	ADJ
fbem-16462	235	17	assets	asset	NOUN
fbem-16462	235	18	of	of	ADP
fbem-16462	235	19	urban	urban	ADJ
fbem-16462	235	20	households	household	NOUN
fbem-16462	235	21	--	--	PUNCT
fbem-16462	235	22	an	an	DET
fbem-16462	235	23	empirical	empirical	ADJ
fbem-16462	235	24	study	study	NOUN
fbem-16462	235	25	based	base	VERB
fbem-16462	235	26	on	on	ADP
fbem-16462	235	27	cfps	cfps	PROPN
fbem-16462	235	28	data[j	data[j	PROPN
fbem-16462	235	29	]	]	PUNCT
fbem-16462	235	30	.	.	PUNCT
fbem-16462	236	1	journal	journal	PROPN
fbem-16462	236	2	of	of	ADP
fbem-16462	236	3	nanjing	nanjing	PROPN
fbem-16462	236	4	audit	audit	PROPN
fbem-16462	236	5	university	university	PROPN
fbem-16462	236	6	,	,	PUNCT
fbem-16462	236	7	2017,14(04):55	2017,14(04):55	PROPN
fbem-16462	236	8	-	-	SYM
fbem-16462	236	9	65	65	NUM
fbem-16462	236	10	.	.	PUNCT
fbem-16462	237	1	[	[	X
fbem-16462	237	2	8	8	X
fbem-16462	237	3	]	]	X
fbem-16462	237	4	goldman	goldman	NOUN
fbem-16462	237	5	d	d	PROPN
fbem-16462	237	6	,	,	PUNCT
fbem-16462	237	7	maestas	maestas	PROPN
fbem-16462	237	8	n.	n.	PROPN
fbem-16462	237	9	medical	medical	ADJ
fbem-16462	237	10	expenditure	expenditure	NOUN
fbem-16462	237	11	risk	risk	NOUN
fbem-16462	237	12	and	and	CCONJ
fbem-16462	237	13	household	household	NOUN
fbem-16462	237	14	portfolio	portfolio	NOUN
fbem-16462	237	15	choice	choice	NOUN
fbem-16462	238	1	[	[	X
fbem-16462	238	2	j	j	X
fbem-16462	238	3	]	]	X
fbem-16462	238	4	.	.	PUNCT
fbem-16462	239	1	journal	journal	PROPN
fbem-16462	239	2	of	of	ADP
fbem-16462	239	3	applied	apply	VERB
fbem-16462	239	4	econometrics,2013,28(4):527	econometrics,2013,28(4):527	NOUN
fbem-16462	239	5	-	-	SYM
fbem-16462	239	6	550	550	NUM
fbem-16462	239	7	.	.	PUNCT
fbem-16462	240	1	[	[	X
fbem-16462	240	2	9	9	NUM
fbem-16462	240	3	]	]	PUNCT
fbem-16462	240	4	wang	wang	PROPN
fbem-16462	240	5	zicheng	zicheng	PROPN
fbem-16462	240	6	.	.	PUNCT
fbem-16462	241	1	demographic	demographic	ADJ
fbem-16462	241	2	dependency	dependency	NOUN
fbem-16462	241	3	burden	burden	NOUN
fbem-16462	241	4	,	,	PUNCT
fbem-16462	241	5	financial	financial	ADJ
fbem-16462	241	6	market	market	NOUN
fbem-16462	241	7	participation	participation	NOUN
fbem-16462	241	8	and	and	CCONJ
fbem-16462	241	9	household	household	NOUN
fbem-16462	241	10	asset	asset	NOUN
fbem-16462	241	11	allocation[j	allocation[j	NOUN
fbem-16462	241	12	]	]	PUNCT
fbem-16462	241	13	.	.	PUNCT
fbem-16462	242	1	finance	finance	NOUN
fbem-16462	242	2	and	and	CCONJ
fbem-16462	242	3	economy,2016(06):21	economy,2016(06):21	NOUN
fbem-16462	242	4	-	-	PUNCT
fbem-16462	242	5	27	27	NUM
fbem-16462	242	6	+	+	NOUN
fbem-16462	242	7	74	74	NUM
fbem-16462	242	8	.	.	PUNCT
fbem-16462	243	1	[	[	X
fbem-16462	243	2	10	10	NUM
fbem-16462	243	3	]	]	X
fbem-16462	243	4	wu	wu	PROPN
fbem-16462	243	5	weixing	weixing	NOUN
fbem-16462	243	6	,	,	PUNCT
fbem-16462	243	7	lv	lv	PROPN
fbem-16462	243	8	xueliang	xueliang	PROPN
fbem-16462	243	9	.	.	PUNCT
fbem-16462	244	1	asset	asset	NOUN
fbem-16462	244	2	allocation	allocation	NOUN
fbem-16462	244	3	of	of	ADP
fbem-16462	244	4	chinese	chinese	ADJ
fbem-16462	244	5	urban	urban	ADJ
fbem-16462	244	6	households	household	NOUN
fbem-16462	244	7	and	and	CCONJ
fbem-16462	244	8	international	international	ADJ
fbem-16462	244	9	comparison	comparison	NOUN
fbem-16462	244	10	-	-	PUNCT
fbem-16462	244	11	analysis	analysis	NOUN
fbem-16462	244	12	based	base	VERB
fbem-16462	244	13	on	on	ADP
fbem-16462	244	14	microdata[j	microdata[j	PROPN
fbem-16462	244	15	]	]	X
fbem-16462	244	16	.	.	PUNCT
fbem-16462	245	1	international	international	ADJ
fbem-16462	245	2	financial	financial	ADJ
fbem-16462	245	3	studies,2013(10):45	studies,2013(10):45	NOUN
fbem-16462	245	4	-	-	PUNCT
fbem-16462	245	5	57	57	NUM
fbem-16462	245	6	.	.	PUNCT
fbem-16462	246	1	[	[	X
fbem-16462	246	2	11	11	NUM
fbem-16462	246	3	]	]	PUNCT
fbem-16462	246	4	xu	xu	PROPN
fbem-16462	246	5	xiaohua	xiaohua	PROPN
fbem-16462	246	6	,	,	PUNCT
fbem-16462	246	7	wu	wu	PROPN
fbem-16462	246	8	enping	enping	PROPN
fbem-16462	246	9	,	,	PUNCT
fbem-16462	246	10	wang	wang	PROPN
fbem-16462	246	11	qi	qi	PROPN
fbem-16462	246	12	.	.	PUNCT
fbem-16462	247	1	the	the	DET
fbem-16462	247	2	impact	impact	NOUN
fbem-16462	247	3	of	of	ADP
fbem-16462	247	4	married	married	ADJ
fbem-16462	247	5	women	woman	NOUN
fbem-16462	247	6	's	's	PART
fbem-16462	247	7	labor	labor	NOUN
fbem-16462	247	8	participation	participation	NOUN
fbem-16462	247	9	on	on	ADP
fbem-16462	247	10	household	household	NOUN
fbem-16462	247	11	risky	risky	ADJ
fbem-16462	247	12	asset	asset	NOUN
fbem-16462	247	13	allocation[j	allocation[j	PROPN
fbem-16462	247	14	]	]	PUNCT
fbem-16462	247	15	.	.	PUNCT
fbem-16462	248	1	financial	financial	ADJ
fbem-16462	248	2	forum,2020,25(06):40	forum,2020,25(06):40	PROPN
fbem-16462	248	3	-	-	SYM
fbem-16462	248	4	50	50	NUM
fbem-16462	248	5	.	.	PUNCT
fbem-16462	249	1	[	[	X
fbem-16462	249	2	12	12	NUM
fbem-16462	249	3	]	]	X
fbem-16462	249	4	wu	wu	PROPN
fbem-16462	249	5	zaihua	zaihua	PROPN
fbem-16462	249	6	,	,	PUNCT
fbem-16462	249	7	xie	xie	PROPN
fbem-16462	249	8	beichen	beichen	PROPN
fbem-16462	249	9	,	,	PUNCT
fbem-16462	249	10	guo	guo	PROPN
fbem-16462	249	11	xinhua	xinhua	PROPN
fbem-16462	249	12	.	.	PUNCT
fbem-16462	250	1	borrowing	borrowing	NOUN
fbem-16462	250	2	constraints	constraint	NOUN
fbem-16462	250	3	,	,	PUNCT
fbem-16462	250	4	financial	financial	ADJ
fbem-16462	250	5	literacy	literacy	NOUN
fbem-16462	250	6	and	and	CCONJ
fbem-16462	250	7	the	the	DET
fbem-16462	250	8	mystery	mystery	NOUN
fbem-16462	250	9	of	of	ADP
fbem-16462	250	10	“	"	PUNCT
fbem-16462	250	11	limited	limited	ADJ
fbem-16462	250	12	participation	participation	NOUN
fbem-16462	250	13	”	"	PUNCT
fbem-16462	250	14	in	in	ADP
fbem-16462	250	15	the	the	DET
fbem-16462	250	16	stock	stock	NOUN
fbem-16462	250	17	market	market	NOUN
fbem-16462	250	18	of	of	ADP
fbem-16462	250	19	chinese	chinese	PROPN
fbem-16462	250	20	households[j	households[j	PROPN
fbem-16462	250	21	]	]	PUNCT
fbem-16462	250	22	.	.	PUNCT
fbem-16462	251	1	modern	modern	ADJ
fbem-16462	251	2	finance	finance	NOUN
fbem-16462	251	3	and	and	CCONJ
fbem-16462	251	4	economics	economic	NOUN
fbem-16462	251	5	(	(	PUNCT
fbem-16462	251	6	journal	journal	PROPN
fbem-16462	251	7	of	of	ADP
fbem-16462	251	8	tianjin	tianjin	PROPN
fbem-16462	251	9	university	university	PROPN
fbem-16462	251	10	of	of	ADP
fbem-16462	251	11	finance	finance	NOUN
fbem-16462	251	12	and	and	CCONJ
fbem-16462	251	13	economics),2017,37(12):20	economics),2017,37(12):20	NOUN
fbem-16462	251	14	-	-	PUNCT
fbem-16462	251	15	35	35	NUM
fbem-16462	251	16	.	.	PUNCT
fbem-16462	252	1	[	[	X
fbem-16462	252	2	13	13	NUM
fbem-16462	252	3	]	]	X
fbem-16462	252	4	zhou	zhou	PROPN
fbem-16462	252	5	li	li	PROPN
fbem-16462	252	6	.	.	PUNCT
fbem-16462	252	7	population	population	NOUN
fbem-16462	252	8	aging	aging	NOUN
fbem-16462	252	9	,	,	PUNCT
fbem-16462	252	10	debt	debt	NOUN
fbem-16462	252	11	leverage	leverage	NOUN
fbem-16462	252	12	and	and	CCONJ
fbem-16462	252	13	household	household	NOUN
fbem-16462	252	14	asset	asset	NOUN
fbem-16462	252	15	allocation	allocation	NOUN
fbem-16462	252	16	efficiency[j	efficiency[j	PROPN
fbem-16462	252	17	]	]	PUNCT
fbem-16462	252	18	.	.	PUNCT
fbem-16462	253	1	journal	journal	PROPN
fbem-16462	253	2	of	of	ADP
fbem-16462	253	3	southwest	southwest	PROPN
fbem-16462	253	4	university	university	PROPN
fbem-16462	253	5	for	for	ADP
fbem-16462	253	6	nationalities	nationality	NOUN
fbem-16462	253	7	(	(	PUNCT
fbem-16462	253	8	humanities	humanity	NOUN
fbem-16462	253	9	and	and	CCONJ
fbem-16462	253	10	social	social	ADJ
fbem-16462	253	11	sciences	sciences	PROPN
fbem-16462	253	12	edition	edition	NOUN
fbem-16462	253	13	)	)	PUNCT
fbem-16462	253	14	,	,	PUNCT
fbem-16462	253	15	2021	2021	NUM
fbem-16462	253	16	,	,	PUNCT
fbem-16462	253	17	42(10):122	42(10):122	NUM
fbem-16462	253	18	-	-	SYM
fbem-16462	253	19	135	135	NUM
fbem-16462	253	20	.	.	PUNCT
fbem-16462	253	21	146	146	NUM
fbem-16462	254	1	[	[	X
fbem-16462	254	2	14	14	NUM
fbem-16462	254	3	]	]	PUNCT
fbem-16462	254	4	cui	cui	PROPN
fbem-16462	254	5	wei	wei	PROPN
fbem-16462	254	6	,	,	PUNCT
fbem-16462	254	7	zhu	zhu	PROPN
fbem-16462	254	8	yong	yong	PROPN
fbem-16462	254	9	,	,	PUNCT
fbem-16462	254	10	yan	yan	PROPN
fbem-16462	254	11	chen	chen	PROPN
fbem-16462	254	12	.	.	PUNCT
fbem-16462	255	1	research	research	NOUN
fbem-16462	255	2	on	on	ADP
fbem-16462	255	3	financial	financial	ADJ
fbem-16462	255	4	problems	problem	NOUN
fbem-16462	255	5	in	in	ADP
fbem-16462	255	6	the	the	DET
fbem-16462	255	7	new	new	ADJ
fbem-16462	255	8	stage	stage	NOUN
fbem-16462	255	9	of	of	ADP
fbem-16462	255	10	housing	housing	NOUN
fbem-16462	255	11	system	system	NOUN
fbem-16462	255	12	reform[j	reform[j	PROPN
fbem-16462	255	13	]	]	PUNCT
fbem-16462	255	14	.	.	PUNCT
fbem-16462	256	1	financial	financial	ADJ
fbem-16462	256	2	research,1999(03):66	research,1999(03):66	PROPN
fbem-16462	256	3	-	-	PUNCT
fbem-16462	256	4	73	73	NUM
fbem-16462	256	5	.	.	PUNCT
fbem-16462	257	1	[	[	X
fbem-16462	257	2	15	15	NUM
fbem-16462	257	3	]	]	PUNCT
fbem-16462	257	4	chiqui	chiqui	NOUN
fbem-16462	257	5	.	.	PUNCT
fbem-16462	258	1	l.	l.	PROPN
fbem-16462	258	2	housing	housing	PROPN
fbem-16462	258	3	provident	provident	ADJ
fbem-16462	258	4	funds[j	funds[j	NOUN
fbem-16462	258	5	]	]	PUNCT
fbem-16462	258	6	.	.	PUNCT
fbem-16462	259	1	housing	housing	NOUN
fbem-16462	259	2	finance	finance	NOUN
fbem-16462	259	3	policy	policy	NOUN
fbem-16462	259	4	for	for	ADP
fbem-16462	259	5	emerging	emerge	VERB
fbem-16462	259	6	markets,2009:277	markets,2009:277	NOUN
fbem-16462	259	7	-	-	PUNCT
fbem-16462	259	8	292	292	NUM
fbem-16462	259	9	.	.	PUNCT
fbem-16462	260	1	[	[	X
fbem-16462	260	2	16	16	NUM
fbem-16462	260	3	]	]	X
fbem-16462	260	4	wu	wu	PROPN
fbem-16462	260	5	yidong	yidong	PROPN
fbem-16462	260	6	,	,	PUNCT
fbem-16462	260	7	wang	wang	PROPN
fbem-16462	260	8	xianzhu	xianzhu	PROPN
fbem-16462	260	9	.	.	PUNCT
fbem-16462	261	1	ruminations	rumination	NOUN
fbem-16462	261	2	on	on	ADP
fbem-16462	261	3	the	the	DET
fbem-16462	261	4	fairness	fairness	NOUN
fbem-16462	261	5	of	of	ADP
fbem-16462	261	6	china	china	PROPN
fbem-16462	261	7	's	's	PART
fbem-16462	261	8	housing	housing	PROPN
fbem-16462	261	9	provident	provident	ADJ
fbem-16462	261	10	fund	fund	NOUN
fbem-16462	261	11	system	system	NOUN
fbem-16462	261	12	--	--	PUNCT
fbem-16462	261	13	a	a	DET
fbem-16462	261	14	literature	literature	NOUN
fbem-16462	261	15	-	-	PUNCT
fbem-16462	261	16	based	base	VERB
fbem-16462	261	17	perspective[j	perspective[j	NOUN
fbem-16462	261	18	]	]	PUNCT
fbem-16462	261	19	.	.	PUNCT
fbem-16462	262	1	hainan	hainan	PROPN
fbem-16462	262	2	finance,2016(06):80	finance,2016(06):80	PROPN
fbem-16462	262	3	-	-	PUNCT
fbem-16462	262	4	84	84	NUM
fbem-16462	262	5	.	.	PUNCT
fbem-16462	263	1	[	[	X
fbem-16462	263	2	17	17	NUM
fbem-16462	263	3	]	]	PUNCT
fbem-16462	263	4	xu	xu	PROPN
fbem-16462	263	5	yuejin	yuejin	PROPN
fbem-16462	263	6	,	,	PUNCT
fbem-16462	263	7	wu	wu	PROPN
fbem-16462	263	8	jing	jing	PROPN
fbem-16462	263	9	,	,	PUNCT
fbem-16462	263	10	liu	liu	PROPN
fbem-16462	263	11	hongyu	hongyu	PROPN
fbem-16462	263	12	.	.	PUNCT
fbem-16462	264	1	fairness	fairness	NOUN
fbem-16462	264	2	evaluation	evaluation	NOUN
fbem-16462	264	3	and	and	CCONJ
fbem-16462	264	4	analysis	analysis	NOUN
fbem-16462	264	5	of	of	ADP
fbem-16462	264	6	housing	housing	PROPN
fbem-16462	264	7	provident	provident	PROPN
fbem-16462	264	8	fund	fund	PROPN
fbem-16462	264	9	policy[j	policy[j	NOUN
fbem-16462	264	10	]	]	PUNCT
fbem-16462	264	11	.	.	PUNCT
fbem-16462	265	1	statistics	statistic	NOUN
fbem-16462	265	2	and	and	CCONJ
fbem-16462	265	3	decision	decision	NOUN
fbem-16462	265	4	making,2017(23):164	making,2017(23):164	NOUN
fbem-16462	265	5	-	-	PUNCT
fbem-16462	265	6	168	168	NUM
fbem-16462	265	7	.	.	PUNCT
fbem-16462	266	1	[	[	X
fbem-16462	266	2	18	18	NUM
fbem-16462	266	3	]	]	X
fbem-16462	266	4	li	li	PROPN
fbem-16462	266	5	ding	ding	PROPN
fbem-16462	266	6	,	,	PUNCT
fbem-16462	266	7	he	he	PRON
fbem-16462	266	8	chunyan	chunyan	VERB
fbem-16462	266	9	,	,	PUNCT
fbem-16462	266	10	ma	ma	PROPN
fbem-16462	266	11	shuang	shuang	PROPN
fbem-16462	266	12	,	,	PUNCT
fbem-16462	266	13	shao	shao	PROPN
fbem-16462	266	14	shuai	shuai	PROPN
fbem-16462	266	15	.	.	PUNCT
fbem-16462	267	1	the	the	DET
fbem-16462	267	2	"	"	PUNCT
fbem-16462	267	3	spindle	spindle	NOUN
fbem-16462	267	4	"	"	PUNCT
fbem-16462	267	5	effect	effect	NOUN
fbem-16462	267	6	of	of	ADP
fbem-16462	267	7	the	the	DET
fbem-16462	267	8	protection	protection	NOUN
fbem-16462	267	9	function	function	NOUN
fbem-16462	267	10	of	of	ADP
fbem-16462	267	11	housing	housing	PROPN
fbem-16462	267	12	provident	provident	ADJ
fbem-16462	267	13	fund	fund	NOUN
fbem-16462	267	14	system	system	NOUN
fbem-16462	267	15	—	—	PUNCT
fbem-16462	267	16	an	an	DET
fbem-16462	267	17	empirical	empirical	ADJ
fbem-16462	267	18	study	study	NOUN
fbem-16462	267	19	based	base	VERB
fbem-16462	267	20	on	on	ADP
fbem-16462	267	21	chfs	chfs	PROPN
fbem-16462	267	22	data[j	data[j	NOUN
fbem-16462	267	23	]	]	X
fbem-16462	267	24	.	.	PUNCT
fbem-16462	268	1	financial	financial	ADJ
fbem-16462	268	2	research,2020,46(11):108	research,2020,46(11):108	PROPN
fbem-16462	268	3	-	-	SYM
fbem-16462	268	4	122	122	NUM
fbem-16462	268	5	.	.	PUNCT
fbem-16462	269	1	[	[	X
fbem-16462	269	2	19	19	NUM
fbem-16462	269	3	]	]	X
fbem-16462	269	4	lu	lu	NOUN
fbem-16462	269	5	yunhe	yunhe	PROPN
fbem-16462	269	6	,	,	PUNCT
fbem-16462	269	7	wan	wan	PROPN
fbem-16462	269	8	haiyuan	haiyuan	PROPN
fbem-16462	269	9	.	.	PUNCT
fbem-16462	270	1	income	income	NOUN
fbem-16462	270	2	distribution	distribution	NOUN
fbem-16462	270	3	effect	effect	NOUN
fbem-16462	270	4	of	of	ADP
fbem-16462	270	5	housing	housing	PROPN
fbem-16462	270	6	provident	provident	ADJ
fbem-16462	270	7	fund	fund	NOUN
fbem-16462	270	8	system[j	system[j	PROPN
fbem-16462	270	9	]	]	PUNCT
fbem-16462	270	10	.	.	PUNCT
fbem-16462	271	1	economics	economic	NOUN
fbem-16462	271	2	(	(	PUNCT
fbem-16462	271	3	quarterly	quarterly	ADJ
fbem-16462	271	4	)	)	PUNCT
fbem-16462	271	5	,	,	PUNCT
fbem-16462	271	6	2020	2020	NUM
fbem-16462	271	7	,	,	PUNCT
fbem-16462	271	8	20(05	20(05	NUM
fbem-16462	271	9	):	):	PUNCT
fbem-16462	271	10	87	87	NUM
fbem-16462	271	11	-	-	SYM
fbem-16462	271	12	106	106	NUM
fbem-16462	271	13	.	.	PUNCT
fbem-16462	272	1	[	[	X
fbem-16462	272	2	20	20	NUM
fbem-16462	272	3	]	]	SYM
fbem-16462	272	4	gu	gu	NOUN
fbem-16462	272	5	chenglong	chenglong	PROPN
fbem-16462	272	6	,	,	PUNCT
fbem-16462	272	7	zhou	zhou	PROPN
fbem-16462	272	8	yingheng	yingheng	PROPN
fbem-16462	272	9	,	,	PUNCT
fbem-16462	272	10	yan	yan	PROPN
fbem-16462	272	11	binjian	binjian	PROPN
fbem-16462	272	12	.	.	PUNCT
fbem-16462	273	1	housing	housing	NOUN
fbem-16462	273	2	provident	provident	PROPN
fbem-16462	273	3	fund	fund	NOUN
fbem-16462	273	4	system	system	NOUN
fbem-16462	273	5	,	,	PUNCT
fbem-16462	273	6	house	house	NOUN
fbem-16462	273	7	prices	price	NOUN
fbem-16462	273	8	and	and	CCONJ
fbem-16462	273	9	housing	housing	NOUN
fbem-16462	273	10	welfare[j	welfare[j	PROPN
fbem-16462	273	11	]	]	PUNCT
fbem-16462	273	12	.	.	PUNCT
fbem-16462	274	1	economics(quarterly),2016,15(01):109	economics(quarterly),2016,15(01):109	PROPN
fbem-16462	274	2	-	-	PROPN
fbem-16462	274	3	124	124	NUM
fbem-16462	274	4	.	.	PUNCT
fbem-16462	275	1	[	[	X
fbem-16462	275	2	21	21	NUM
fbem-16462	275	3	]	]	X
fbem-16462	275	4	jin	jin	PROPN
fbem-16462	275	5	shuanghua	shuanghua	PROPN
fbem-16462	275	6	.	.	PUNCT
fbem-16462	276	1	research	research	NOUN
fbem-16462	276	2	on	on	ADP
fbem-16462	276	3	the	the	DET
fbem-16462	276	4	impact	impact	NOUN
fbem-16462	276	5	of	of	ADP
fbem-16462	276	6	housing	housing	PROPN
fbem-16462	276	7	provident	provident	ADJ
fbem-16462	276	8	fund	fund	NOUN
fbem-16462	276	9	policy	policy	NOUN
fbem-16462	276	10	on	on	ADP
fbem-16462	276	11	income	income	NOUN
fbem-16462	276	12	distribution	distribution	NOUN
fbem-16462	276	13	-	-	PUNCT
fbem-16462	276	14	analysis	analysis	NOUN
fbem-16462	276	15	based	base	VERB
fbem-16462	276	16	on	on	ADP
fbem-16462	276	17	the	the	DET
fbem-16462	276	18	payment	payment	NOUN
fbem-16462	276	19	-	-	PUNCT
fbem-16462	276	20	withdrawal	withdrawal	NOUN
fbem-16462	276	21	path[j	path[j	NOUN
fbem-16462	276	22	]	]	PUNCT
fbem-16462	276	23	.	.	PUNCT
fbem-16462	277	1	research	research	NOUN
fbem-16462	277	2	on	on	ADP
fbem-16462	277	3	finance	finance	NOUN
fbem-16462	277	4	and	and	CCONJ
fbem-16462	277	5	trade,2018,29(12):70	trade,2018,29(12):70	NOUN
fbem-16462	277	6	-	-	SYM
fbem-16462	277	7	79	79	NUM
fbem-16462	277	8	.	.	PUNCT
fbem-16462	278	1	[	[	X
fbem-16462	278	2	22	22	NUM
fbem-16462	278	3	]	]	X
fbem-16462	278	4	chen	chen	PROPN
fbem-16462	278	5	jie	jie	PROPN
fbem-16462	278	6	,	,	PUNCT
fbem-16462	278	7	zhang	zhang	PROPN
fbem-16462	278	8	yanyan	yanyan	PROPN
fbem-16462	278	9	.	.	PUNCT
fbem-16462	279	1	the	the	DET
fbem-16462	279	2	impact	impact	NOUN
fbem-16462	279	3	of	of	ADP
fbem-16462	279	4	china	china	PROPN
fbem-16462	279	5	's	's	PART
fbem-16462	279	6	housing	housing	PROPN
fbem-16462	279	7	provident	provident	ADJ
fbem-16462	279	8	fund	fund	NOUN
fbem-16462	279	9	system	system	NOUN
fbem-16462	279	10	on	on	ADP
fbem-16462	279	11	urban	urban	ADJ
fbem-16462	279	12	residents	resident	NOUN
fbem-16462	279	13	’	’	PART
fbem-16462	279	14	rental	rental	PROPN
fbem-16462	279	15	consumptionan	consumptionan	NOUN
fbem-16462	279	16	empirical	empirical	ADJ
fbem-16462	279	17	study	study	NOUN
fbem-16462	279	18	based	base	VERB
fbem-16462	279	19	on	on	ADP
fbem-16462	279	20	chfs	chfs	NOUN
fbem-16462	279	21	2017[j	2017[j	NOUN
fbem-16462	279	22	]	]	PUNCT
fbem-16462	279	23	.	.	PUNCT
fbem-16462	280	1	journal	journal	PROPN
fbem-16462	280	2	of	of	ADP
fbem-16462	280	3	zhejiang	zhejiang	PROPN
fbem-16462	280	4	gongshang	gongshang	PROPN
fbem-16462	280	5	university,2021(01):82	university,2021(01):82	PROPN
fbem-16462	280	6	-	-	PUNCT
fbem-16462	280	7	97	97	NUM
fbem-16462	280	8	.	.	PUNCT
fbem-16462	281	1	[	[	X
fbem-16462	281	2	23	23	NUM
fbem-16462	281	3	]	]	X
fbem-16462	281	4	jiang	jiang	PROPN
fbem-16462	281	5	jiaqi	jiaqi	PROPN
fbem-16462	281	6	,	,	PUNCT
fbem-16462	281	7	xie	xie	PROPN
fbem-16462	281	8	yong	yong	PROPN
fbem-16462	281	9	.	.	PROPN
fbem-16462	282	1	does	do	AUX
fbem-16462	282	2	housing	housing	PROPN
fbem-16462	282	3	provident	provident	ADJ
fbem-16462	282	4	fund	fund	NOUN
fbem-16462	282	5	contribution	contribution	NOUN
fbem-16462	282	6	promote	promote	VERB
fbem-16462	282	7	home	home	NOUN
fbem-16462	282	8	purchase	purchase	NOUN
fbem-16462	282	9	by	by	ADP
fbem-16462	282	10	migrant	migrant	ADJ
fbem-16462	282	11	workers[j	workers[j	PROPN
fbem-16462	282	12	]	]	PUNCT
fbem-16462	282	13	.	.	PUNCT
fbem-16462	283	1	agricultural	agricultural	ADJ
fbem-16462	283	2	technology	technology	NOUN
fbem-16462	283	3	and	and	CCONJ
fbem-16462	283	4	economy,2021(01):77	economy,2021(01):77	PROPN
fbem-16462	283	5	-	-	PUNCT
fbem-16462	283	6	92	92	NUM
fbem-16462	283	7	.	.	PUNCT
fbem-16462	284	1	[	[	X
fbem-16462	284	2	24	24	NUM
fbem-16462	284	3	]	]	X
fbem-16462	284	4	ren	ren	PROPN
fbem-16462	284	5	juanjuan	juanjuan	PROPN
fbem-16462	284	6	.	.	PUNCT
fbem-16462	285	1	whether	whether	SCONJ
fbem-16462	285	2	housing	housing	NOUN
fbem-16462	285	3	provident	provident	ADJ
fbem-16462	285	4	fund	fund	NOUN
fbem-16462	285	5	enhances	enhance	VERB
fbem-16462	285	6	residents	resident	NOUN
fbem-16462	285	7	'	'	PART
fbem-16462	285	8	happiness	happiness	NOUN
fbem-16462	285	9	—	—	PUNCT
fbem-16462	285	10	an	an	DET
fbem-16462	285	11	empirical	empirical	ADJ
fbem-16462	285	12	study	study	NOUN
fbem-16462	285	13	based	base	VERB
fbem-16462	285	14	on	on	ADP
fbem-16462	285	15	china	china	PROPN
fbem-16462	285	16	’s	’s	PART
fbem-16462	285	17	household	household	PROPN
fbem-16462	285	18	finance	finance	NOUN
fbem-16462	285	19	survey[j	survey[j	PROPN
fbem-16462	285	20	]	]	PUNCT
fbem-16462	285	21	.	.	PUNCT
fbem-16462	286	1	financial	financial	ADJ
fbem-16462	286	2	theory	theory	NOUN
fbem-16462	286	3	and	and	CCONJ
fbem-16462	286	4	practice	practice	NOUN
fbem-16462	286	5	,	,	PUNCT
fbem-16462	286	6	2022	2022	NUM
fbem-16462	286	7	,	,	PUNCT
fbem-16462	286	8	43(05	43(05	PROPN
fbem-16462	286	9	):	):	PUNCT
fbem-16462	286	10	123	123	NUM
fbem-16462	286	11	-	-	SYM
fbem-16462	286	12	130	130	NUM
fbem-16462	286	13	.	.	PUNCT
fbem-16462	287	1	[	[	X
fbem-16462	287	2	25	25	NUM
fbem-16462	287	3	]	]	X
fbem-16462	287	4	zhou	zhou	PROPN
fbem-16462	287	5	huadong	huadong	PROPN
fbem-16462	287	6	,	,	PUNCT
fbem-16462	287	7	li	li	PROPN
fbem-16462	287	8	yi	yi	PROPN
fbem-16462	287	9	,	,	PUNCT
fbem-16462	287	10	gao	gao	PROPN
fbem-16462	287	11	lingling	lingling	PROPN
fbem-16462	287	12	.	.	PUNCT
fbem-16462	288	1	housing	housing	NOUN
fbem-16462	288	2	provident	provident	ADJ
fbem-16462	288	3	fund	fund	NOUN
fbem-16462	288	4	and	and	CCONJ
fbem-16462	288	5	household	household	NOUN
fbem-16462	288	6	financial	financial	ADJ
fbem-16462	288	7	asset	asset	NOUN
fbem-16462	288	8	allocation	allocation	NOUN
fbem-16462	288	9	-	-	PUNCT
fbem-16462	288	10	evidence	evidence	NOUN
fbem-16462	288	11	from	from	ADP
fbem-16462	288	12	the	the	DET
fbem-16462	288	13	china	china	PROPN
fbem-16462	288	14	household	household	PROPN
fbem-16462	288	15	finance	finance	NOUN
fbem-16462	288	16	survey	survey	NOUN
fbem-16462	288	17	(	(	PUNCT
fbem-16462	288	18	chfs)[j	chfs)[j	PROPN
fbem-16462	288	19	]	]	PUNCT
fbem-16462	288	20	.	.	PUNCT
fbem-16462	289	1	systems	system	NOUN
fbem-16462	289	2	engineering	engineering	NOUN
fbem-16462	289	3	theory	theory	NOUN
fbem-16462	289	4	and	and	CCONJ
fbem-16462	289	5	practice,202242(06):1560	practice,202242(06):1560	NOUN
fbem-16462	289	6	-	-	PUNCT
fbem-16462	289	7	1578	1578	NUM
fbem-16462	289	8	.	.	PUNCT
fbem-16462	290	1	[	[	X
fbem-16462	290	2	26	26	NUM
fbem-16462	290	3	]	]	X
fbem-16462	290	4	chen	chen	PROPN
fbem-16462	290	5	xuanjuan	xuanjuan	PROPN
fbem-16462	290	6	,	,	PUNCT
fbem-16462	290	7	lin	lin	PROPN
fbem-16462	290	8	hongmei	hongmei	PROPN
fbem-16462	290	9	.	.	PUNCT
fbem-16462	291	1	housing	housing	PROPN
fbem-16462	291	2	provident	provident	ADJ
fbem-16462	291	3	fund	fund	NOUN
fbem-16462	291	4	and	and	CCONJ
fbem-16462	291	5	household	household	NOUN
fbem-16462	291	6	investment	investment	NOUN
fbem-16462	291	7	in	in	ADP
fbem-16462	291	8	risky	risky	ADJ
fbem-16462	291	9	financial	financial	ADJ
fbem-16462	291	10	assets	asset	NOUN
fbem-16462	291	11	-	-	PUNCT
fbem-16462	291	12	an	an	DET
fbem-16462	291	13	empirical	empirical	ADJ
fbem-16462	291	14	study	study	NOUN
fbem-16462	291	15	based	base	VERB
fbem-16462	291	16	on	on	ADP
fbem-16462	291	17	the	the	DET
fbem-16462	291	18	2013	2013	NUM
fbem-16462	291	19	chfs[j	chfs[j	PRON
fbem-16462	291	20	]	]	PUNCT
fbem-16462	291	21	financia	financia	PROPN
fbem-16462	291	22	research	research	NOUN
fbem-16462	291	23	,	,	PUNCT
fbem-16462	291	24	2021	2021	NUM
fbem-16462	291	25	(	(	PUNCT
fbem-16462	291	26	04	04	NUM
fbem-16462	291	27	):	):	PUNCT
fbem-16462	291	28	921104	921104	NUM
fbem-16462	292	1	[	[	X
fbem-16462	292	2	27	27	NUM
fbem-16462	292	3	]	]	X
fbem-16462	292	4	liu	liu	PROPN
fbem-16462	292	5	junqiang	junqiang	PROPN
fbem-16462	292	6	,	,	PUNCT
fbem-16462	292	7	xiong	xiong	PROPN
fbem-16462	292	8	moulin	moulin	PROPN
fbem-16462	292	9	,	,	PUNCT
fbem-16462	292	10	su	su	PROPN
fbem-16462	292	11	yang	yang	PROPN
fbem-16462	292	12	.	.	PUNCT
fbem-16462	293	1	national	national	ADJ
fbem-16462	293	2	happiness	happiness	NOUN
fbem-16462	293	3	in	in	ADP
fbem-16462	293	4	the	the	DET
fbem-16462	293	5	period	period	NOUN
fbem-16462	293	6	of	of	ADP
fbem-16462	293	7	economic	economic	ADJ
fbem-16462	293	8	growth	growth	NOUN
fbem-16462	293	9	--	--	PUNCT
fbem-16462	293	10	a	a	DET
fbem-16462	293	11	tracking	tracking	NOUN
fbem-16462	293	12	study	study	NOUN
fbem-16462	293	13	based	base	VERB
fbem-16462	293	14	on	on	ADP
fbem-16462	293	15	cgss	cgss	PROPN
fbem-16462	293	16	data[j	data[j	PROPN
fbem-16462	293	17	]	]	PUNCT
fbem-16462	293	18	.	.	PUNCT
fbem-16462	294	1	china	china	PROPN
fbem-16462	294	2	social	social	PROPN
fbem-16462	294	3	science	science	PROPN
fbem-16462	294	4	,	,	PUNCT
fbem-16462	294	5	2012,no.204(12):82102	2012,no.204(12):82102	NUM
fbem-16462	294	6	+	+	SYM
fbem-16462	294	7	207	207	NUM
fbem-16462	294	8	-	-	SYM
fbem-16462	294	9	208	208	NUM
fbem-16462	294	10	.	.	PUNCT
fbem-16462	295	1	[	[	X
fbem-16462	295	2	28	28	NUM
fbem-16462	295	3	]	]	X
fbem-16462	295	4	xiao	xiao	PROPN
fbem-16462	295	5	zhongyi	zhongyi	PROPN
fbem-16462	295	6	,	,	PUNCT
fbem-16462	295	7	zhao	zhao	PROPN
fbem-16462	295	8	peng	peng	PROPN
fbem-16462	295	9	,	,	PUNCT
fbem-16462	295	10	zhou	zhou	PROPN
fbem-16462	295	11	yaling	yaling	PROPN
fbem-16462	295	12	.	.	PUNCT
fbem-16462	296	1	an	an	DET
fbem-16462	296	2	empirical	empirical	ADJ
fbem-16462	296	3	study	study	NOUN
fbem-16462	296	4	of	of	ADP
fbem-16462	296	5	subjective	subjective	ADJ
fbem-16462	296	6	well	well	ADV
fbem-16462	296	7	-	-	PUNCT
fbem-16462	296	8	being	being	NOUN
fbem-16462	296	9	and	and	CCONJ
fbem-16462	296	10	the	the	DET
fbem-16462	296	11	choice	choice	NOUN
fbem-16462	296	12	of	of	ADP
fbem-16462	296	13	financial	financial	ADJ
fbem-16462	296	14	assets	asset	NOUN
fbem-16462	296	15	of	of	ADP
fbem-16462	296	16	farming	farming	NOUN
fbem-16462	296	17	households[j	households[j	PROPN
fbem-16462	296	18	]	]	PUNCT
fbem-16462	296	19	.	.	PUNCT
fbem-16462	297	1	journal	journal	PROPN
fbem-16462	297	2	of	of	ADP
fbem-16462	297	3	central	central	PROPN
fbem-16462	297	4	university	university	PROPN
fbem-16462	297	5	of	of	ADP
fbem-16462	297	6	finance	finance	NOUN
fbem-16462	297	7	andeconomics,2018no.366(02):38	andeconomics,2018no.366(02):38	VERB
fbem-16462	297	8	-	-	PUNCT
fbem-16462	297	9	52	52	NUM
fbem-16462	298	1	[	[	X
fbem-16462	298	2	29	29	NUM
fbem-16462	298	3	]	]	X
fbem-16462	298	4	zhou	zhou	PROPN
fbem-16462	298	5	yaling	yaling	PROPN
fbem-16462	298	6	,	,	PUNCT
fbem-16462	298	7	yu	yu	PROPN
fbem-16462	298	8	wenchao	wenchao	PROPN
fbem-16462	298	9	,	,	PUNCT
fbem-16462	298	10	xiao	xiao	PROPN
fbem-16462	298	11	zhongyi	zhongyi	PROPN
fbem-16462	298	12	.	.	PUNCT
fbem-16462	299	1	subjective	subjective	ADJ
fbem-16462	299	2	wellbeing	wellbeing	NOUN
fbem-16462	299	3	,	,	PUNCT
fbem-16462	299	4	personality	personality	NOUN
fbem-16462	299	5	traits	trait	NOUN
fbem-16462	299	6	and	and	CCONJ
fbem-16462	299	7	family	family	NOUN
fbem-16462	299	8	asset	asset	NOUN
fbem-16462	299	9	choice[j	choice[j	NOUN
fbem-16462	299	10	]	]	PUNCT
fbem-16462	299	11	.	.	PUNCT
fbem-16462	300	1	journal	journal	PROPN
fbem-16462	300	2	of	of	ADP
fbem-16462	300	3	zhongnan	zhongnan	PROPN
fbem-16462	300	4	university	university	PROPN
fbem-16462	300	5	of	of	ADP
fbem-16462	300	6	economics	economic	NOUN
fbem-16462	300	7	and	and	CCONJ
fbem-16462	300	8	law2017	law2017	NOUN
fbem-16462	300	9	,	,	PUNCT
fbem-16462	300	10	no.220	no.220	PROPN
fbem-16462	300	11	(	(	PUNCT
fbem-16462	300	12	01):47	01):47	PROPN
fbem-16462	300	13	-	-	SYM
fbem-16462	300	14	56	56	NUM
fbem-16462	300	15	.	.	PUNCT
fbem-16462	301	1	[	[	X
fbem-16462	301	2	30	30	NUM
fbem-16462	301	3	]	]	X
fbem-16462	301	4	yeh	yeh	PROPN
fbem-16462	301	5	,	,	PUNCT
fbem-16462	301	6	d.j	d.j	PROPN
fbem-16462	301	7	.	.	PROPN
fbem-16462	301	8	,	,	PUNCT
fbem-16462	301	9	zhou	zhou	PROPN
fbem-16462	301	10	,	,	PUNCT
fbem-16462	301	11	l.y	l.y	PROPN
fbem-16462	301	12	..	..	PROPN
fbem-16462	301	13	does	do	AUX
fbem-16462	301	14	happiness	happiness	NOUN
fbem-16462	301	15	affect	affect	VERB
fbem-16462	301	16	the	the	DET
fbem-16462	301	17	choice	choice	NOUN
fbem-16462	301	18	of	of	ADP
fbem-16462	301	19	household	household	NOUN
fbem-16462	301	20	financial	financial	ADJ
fbem-16462	301	21	assets?--an	assets?--an	ADJ
fbem-16462	301	22	empirical	empirical	ADJ
fbem-16462	301	23	analysis	analysis	NOUN
fbem-16462	301	24	based	base	VERB
fbem-16462	301	25	on	on	ADP
fbem-16462	301	26	chinese	chinese	ADJ
fbem-16462	301	27	household	household	NOUN
fbem-16462	301	28	financial	financial	ADJ
fbem-16462	301	29	survey	survey	NOUN
fbem-16462	301	30	data	datum	NOUN
fbem-16462	302	1	[	[	X
fbem-16462	302	2	j	j	X
fbem-16462	302	3	]	]	X
fbem-16462	302	4	.	.	PUNCT
fbem-16462	303	1	southern	southern	PROPN
fbem-16462	303	2	finance,2015,no.462(02):24	finance,2015,no.462(02):24	PROPN
fbem-16462	303	3	-	-	PUNCT
fbem-16462	303	4	32	32	NUM
fbem-16462	303	5	.	.	PUNCT
fbem-16462	304	1	[	[	X
fbem-16462	304	2	31	31	NUM
fbem-16462	304	3	]	]	X
fbem-16462	304	4	wu	wu	PROPN
fbem-16462	304	5	yu	yu	PROPN
fbem-16462	304	6	,	,	PUNCT
fbem-16462	304	7	peng	peng	PROPN
fbem-16462	304	8	changyan	changyan	PROPN
fbem-16462	304	9	,	,	PUNCT
fbem-16462	304	10	yin	yin	PROPN
fbem-16462	304	11	zhichao	zhichao	PROPN
fbem-16462	304	12	.	.	PUNCT
fbem-16462	305	1	financial	financial	ADJ
fbem-16462	305	2	literacy	literacy	NOUN
fbem-16462	305	3	,	,	PUNCT
fbem-16462	305	4	weath	weath	NOUN
fbem-16462	305	5	accumulation	accumulation	NOUN
fbem-16462	305	6	and	and	CCONJ
fbem-16462	305	7	household	household	NOUN
fbem-16462	305	8	asset	asset	NOUN
fbem-16462	305	9	structure[j	structure[j	NOUN
fbem-16462	305	10	]	]	PUNCT
fbem-16462	305	11	.	.	PUNCT
fbem-16462	306	1	contemporary	contemporary	ADJ
fbem-16462	306	2	economic	economic	ADJ
fbem-16462	306	3	science,2016,38(04):19	science,2016,38(04):19	NOUN
fbem-16462	306	4	-	-	PUNCT
fbem-16462	306	5	29	29	NUM
fbem-16462	306	6	+	+	NOUN
fbem-16462	306	7	124	124	NUM
fbem-16462	306	8	-	-	SYM
fbem-16462	306	9	125	125	NUM
fbem-16462	306	10	.	.	PUNCT
fbem-16462	307	1	[	[	X
fbem-16462	307	2	32	32	NUM
fbem-16462	307	3	]	]	X
fbem-16462	307	4	zhou	zhou	PROPN
fbem-16462	307	5	caiyun	caiyun	PROPN
fbem-16462	307	6	,	,	PUNCT
fbem-16462	307	7	deng	deng	PROPN
fbem-16462	307	8	yang	yang	PROPN
fbem-16462	307	9	.	.	PUNCT
fbem-16462	308	1	a	a	DET
fbem-16462	308	2	study	study	NOUN
fbem-16462	308	3	on	on	ADP
fbem-16462	308	4	the	the	DET
fbem-16462	308	5	impact	impact	NOUN
fbem-16462	308	6	of	of	ADP
fbem-16462	308	7	wealth	wealth	NOUN
fbem-16462	308	8	heterogeneity	heterogeneity	NOUN
fbem-16462	308	9	on	on	ADP
fbem-16462	308	10	household	household	NOUN
fbem-16462	308	11	financial	financial	ADJ
fbem-16462	308	12	asset	asset	NOUN
fbem-16462	308	13	allocation	allocation	NOUN
fbem-16462	308	14	--	--	PUNCT
fbem-16462	308	15	based	base	VERB
fbem-16462	308	16	on	on	ADP
fbem-16462	308	17	data	datum	NOUN
fbem-16462	308	18	from	from	ADP
fbem-16462	308	19	the	the	DET
fbem-16462	308	20	2015	2015	NUM
fbem-16462	308	21	china	china	PROPN
fbem-16462	308	22	comprehensive	comprehensive	ADJ
fbem-16462	308	23	social	social	ADJ
fbem-16462	308	24	survey[j	survey[j	PROPN
fbem-16462	308	25	]	]	PUNCT
fbem-16462	308	26	.	.	PUNCT
fbem-16462	309	1	technical	technical	PROPN
fbem-16462	309	2	economy202140(11):155	economy202140(11):155	PROPN
fbem-16462	309	3	-	-	PUNCT
fbem-16462	309	4	164	164	NUM
fbem-16462	309	5	.	.	PUNCT
fbem-16462	310	1	[	[	X
fbem-16462	310	2	33	33	NUM
fbem-16462	310	3	]	]	X
fbem-16462	310	4	zhou	zhou	PROPN
fbem-16462	310	5	huadong	huadong	PROPN
fbem-16462	310	6	,	,	PUNCT
fbem-16462	310	7	li	li	PROPN
fbem-16462	310	8	yi	yi	PROPN
fbem-16462	310	9	,	,	PUNCT
fbem-16462	310	10	gao	gao	PROPN
fbem-16462	310	11	lingling	lingling	PROPN
fbem-16462	310	12	.	.	PUNCT
fbem-16462	311	1	housing	housing	NOUN
fbem-16462	311	2	provident	provident	ADJ
fbem-16462	311	3	fund	fund	NOUN
fbem-16462	311	4	and	and	CCONJ
fbem-16462	311	5	household	household	NOUN
fbem-16462	311	6	financial	financial	ADJ
fbem-16462	311	7	asset	asset	NOUN
fbem-16462	311	8	allocation	allocation	NOUN
fbem-16462	311	9	--	--	PUNCT
fbem-16462	311	10	evidence	evidence	NOUN
fbem-16462	311	11	from	from	ADP
fbem-16462	311	12	the	the	DET
fbem-16462	311	13	china	china	PROPN
fbem-16462	311	14	household	household	PROPN
fbem-16462	311	15	finance	finance	NOUN
fbem-16462	311	16	survey	survey	NOUN
fbem-16462	311	17	(	(	PUNCT
fbem-16462	311	18	chfs)[j	chfs)[j	PROPN
fbem-16462	311	19	]	]	PUNCT
fbem-16462	311	20	.	.	PUNCT
fbem-16462	312	1	systems	system	NOUN
fbem-16462	312	2	engineering	engineering	NOUN
fbem-16462	312	3	theory	theory	NOUN
fbem-16462	312	4	and	and	CCONJ
fbem-16462	312	5	practice,2022.42(06):1560	practice,2022.42(06):1560	PROPN
fbem-16462	312	6	-	-	PUNCT
fbem-16462	312	7	1578	1578	NUM
fbem-16462	312	8	.	.	PUNCT
fbem-16462	313	1	[	[	X
fbem-16462	313	2	34	34	NUM
fbem-16462	313	3	]	]	X
fbem-16462	313	4	gan	gan	PROPN
fbem-16462	313	5	li	li	PROPN
fbem-16462	313	6	,	,	PUNCT
fbem-16462	313	7	yin	yin	PROPN
fbem-16462	313	8	zhichao	zhichao	PROPN
fbem-16462	313	9	,	,	PUNCT
fbem-16462	313	10	jia	jia	PROPN
fbem-16462	313	11	nan	nan	PROPN
fbem-16462	313	12	,	,	PUNCT
fbem-16462	313	13	xu	xu	PROPN
fbem-16462	313	14	shu	shu	PROPN
fbem-16462	313	15	,	,	PUNCT
fbem-16462	313	16	ma	ma	PROPN
fbem-16462	313	17	shuang	shuang	PROPN
fbem-16462	313	18	.	.	PUNCT
fbem-16462	313	19	analysis	analysis	NOUN
fbem-16462	313	20	of	of	ADP
fbem-16462	313	21	chinese	chinese	ADJ
fbem-16462	313	22	households	household	NOUN
fbem-16462	313	23	’	'	PUNCT
fbem-16462	313	24	asset	asset	NOUN
fbem-16462	313	25	status	status	NOUN
fbem-16462	313	26	and	and	CCONJ
fbem-16462	313	27	housing	housing	NOUN
fbem-16462	313	28	demand[j	demand[j	NOUN
fbem-16462	313	29	]	]	PUNCT
fbem-16462	313	30	.	.	PUNCT
fbem-16462	314	1	financial	financial	ADJ
fbem-16462	314	2	research,2013.(04):1	research,2013.(04):1	PROPN
fbem-16462	314	3	-	-	PUNCT
fbem-16462	314	4	14	14	NUM
fbem-16462	315	1	[	[	SYM
fbem-16462	315	2	35	35	NUM
fbem-16462	315	3	]	]	X
fbem-16462	315	4	yin	yin	PROPN
fbem-16462	315	5	zhichao	zhichao	PROPN
fbem-16462	315	6	,	,	PUNCT
fbem-16462	315	7	song	song	NOUN
fbem-16462	315	8	quanyun	quanyun	PROPN
fbem-16462	315	9	,	,	PUNCT
fbem-16462	315	10	wu	wu	PROPN
fbem-16462	315	11	yu	yu	PROPN
fbem-16462	315	12	.	.	PROPN
fbem-16462	315	13	financial	financial	ADJ
fbem-16462	315	14	knowledge	knowledge	NOUN
fbem-16462	315	15	investment	investment	NOUN
fbem-16462	315	16	experience	experience	NOUN
fbem-16462	315	17	and	and	CCONJ
fbem-16462	315	18	household	household	NOUN
fbem-16462	315	19	asset	asset	NOUN
fbem-16462	315	20	choice[j	choice[j	NOUN
fbem-16462	315	21	]	]	PUNCT
fbem-16462	315	22	.	.	PUNCT
fbem-16462	316	1	economic	economic	ADJ
fbem-16462	316	2	research,2014,49(04):62	research,2014,49(04):62	PROPN
fbem-16462	316	3	-	-	SYM
fbem-16462	316	4	75	75	NUM
fbem-16462	316	5	.	.	PUNCT
fbem-16462	317	1	[	[	X
fbem-16462	317	2	36	36	NUM
fbem-16462	317	3	]	]	X
fbem-16462	317	4	chen	chen	PROPN
fbem-16462	317	5	yongwei	yongwei	PROPN
fbem-16462	317	6	,	,	PUNCT
fbem-16462	317	7	shi	shi	PROPN
fbem-16462	317	8	yupeng	yupeng	PROPN
fbem-16462	317	9	,	,	PUNCT
fbem-16462	317	10	kuan	kuan	PROPN
fbem-16462	317	11	wuxie	wuxie	PROPN
fbem-16462	317	12	.	.	PUNCT
fbem-16462	318	1	housing	housing	NOUN
fbem-16462	318	2	wealth	wealth	NOUN
fbem-16462	318	3	financial	financial	ADJ
fbem-16462	318	4	market	market	NOUN
fbem-16462	318	5	participation	participation	NOUN
fbem-16462	318	6	and	and	CCONJ
fbem-16462	318	7	household	household	NOUN
fbem-16462	318	8	asset	asset	NOUN
fbem-16462	318	9	portfolio	portfolio	NOUN
fbem-16462	318	10	choice	choice	NOUN
fbem-16462	318	11	--	--	PUNCT
fbem-16462	318	12	evidence	evidence	NOUN
fbem-16462	318	13	from	from	ADP
fbem-16462	318	14	urban	urban	ADJ
fbem-16462	318	15	china[j	china[j	PROPN
fbem-16462	318	16	]	]	PUNCT
fbem-16462	318	17	.	.	PUNCT
fbem-16462	319	1	financial	financial	ADJ
fbem-16462	319	2	research	research	NOUN
fbem-16462	319	3	,	,	PUNCT
fbem-16462	319	4	2015.(04):1	2015.(04):1	NOUN
fbem-16462	319	5	-	-	SYM
fbem-16462	319	6	18	18	NUM
fbem-16462	319	7	.	.	PUNCT
fbem-16462	320	1	[	[	X
fbem-16462	320	2	37	37	NUM
fbem-16462	320	3	]	]	X
fbem-16462	320	4	wen	wen	PROPN
fbem-16462	320	5	zhonglin	zhonglin	PROPN
fbem-16462	320	6	,	,	PUNCT
fbem-16462	320	7	ye	ye	PROPN
fbem-16462	320	8	baojuan	baojuan	PROPN
fbem-16462	320	9	.	.	PUNCT
fbem-16462	321	1	mediation	mediation	NOUN
fbem-16462	321	2	effects	effect	NOUN
fbem-16462	321	3	analysis	analysis	NOUN
fbem-16462	321	4	:	:	PUNCT
fbem-16462	321	5	methods	method	NOUN
fbem-16462	321	6	and	and	CCONJ
fbem-16462	321	7	model	model	VERB
fbem-16462	321	8	development[j	development[j	PROPN
fbem-16462	321	9	]	]	PUNCT
fbem-16462	321	10	.	.	PUNCT
fbem-16462	322	1	advances	advance	NOUN
fbem-16462	322	2	in	in	ADP
fbem-16462	322	3	psychological	psychological	ADJ
fbem-16462	322	4	science	science	NOUN
fbem-16462	322	5	,	,	PUNCT
fbem-16462	322	6	2014,22	2014,22	NUM
fbem-16462	322	7	(	(	PUNCT
fbem-16462	322	8	05	05	NUM
fbem-16462	322	9	):	):	PUNCT
fbem-16462	322	10	731	731	NUM
fbem-16462	322	11	-	-	SYM
fbem-16462	322	12	745	745	NUM
fbem-16462	322	13	.	.	PUNCT
fbem-16462	323	1	[	[	X
fbem-16462	323	2	38	38	NUM
fbem-16462	323	3	]	]	X
fbem-16462	323	4	chen	chen	PROPN
fbem-16462	323	5	xuanjuan	xuanjuan	PROPN
fbem-16462	323	6	,	,	PUNCT
fbem-16462	323	7	lin	lin	PROPN
fbem-16462	323	8	hongmei	hongmei	PROPN
fbem-16462	323	9	.	.	PUNCT
fbem-16462	324	1	housing	housing	PROPN
fbem-16462	324	2	provident	provident	ADJ
fbem-16462	324	3	fund	fund	NOUN
fbem-16462	324	4	and	and	CCONJ
fbem-16462	324	5	household	household	NOUN
fbem-16462	324	6	investment	investment	NOUN
fbem-16462	324	7	in	in	ADP
fbem-16462	324	8	risky	risky	ADJ
fbem-16462	324	9	financial	financial	ADJ
fbem-16462	324	10	assets	asset	NOUN
fbem-16462	324	11	—	—	PUNCT
fbem-16462	324	12	an	an	DET
fbem-16462	324	13	empirical	empirical	ADJ
fbem-16462	324	14	study	study	NOUN
fbem-16462	324	15	based	base	VERB
fbem-16462	324	16	on	on	ADP
fbem-16462	324	17	the	the	DET
fbem-16462	324	18	2013	2013	NUM
fbem-16462	324	19	chfs	chfs	NOUN
fbem-16462	325	1	[	[	X
fbem-16462	325	2	j	j	X
fbem-16462	325	3	]	]	X
fbem-16462	325	4	.	.	PUNCT
fbem-16462	326	1	financial	financial	ADJ
fbem-16462	326	2	research	research	NOUN
fbem-16462	326	3	,	,	PUNCT
fbem-16462	326	4	2021,no.490(04):92	2021,no.490(04):92	NUM
fbem-16462	326	5	-	-	SYM
fbem-16462	326	6	110	110	NUM
fbem-16462	326	7	.	.	PUNCT
fbem-16462	327	1	[	[	X
fbem-16462	327	2	39	39	NUM
fbem-16462	327	3	]	]	PUNCT
fbem-16462	327	4	li	li	PROPN
fbem-16462	327	5	weijun	weijun	PROPN
fbem-16462	327	6	,	,	PUNCT
fbem-16462	327	7	zhou	zhou	PROPN
fbem-16462	327	8	yijia	yijia	PROPN
fbem-16462	327	9	,	,	PUNCT
fbem-16462	327	10	wu	wu	PROPN
fbem-16462	327	11	youmeng	youmeng	PROPN
fbem-16462	327	12	.	.	PUNCT
fbem-16462	328	1	hidden	hidden	ADJ
fbem-16462	328	2	income	income	NOUN
fbem-16462	328	3	:	:	PUNCT
fbem-16462	328	4	housing	housing	PROPN
fbem-16462	328	5	provident	provident	ADJ
fbem-16462	328	6	fund	fund	NOUN
fbem-16462	328	7	system	system	NOUN
fbem-16462	328	8	and	and	CCONJ
fbem-16462	328	9	residents	resident	NOUN
fbem-16462	328	10	’	’	PART
fbem-16462	328	11	consumption	consumption	NOUN
fbem-16462	328	12	upgrade[j	upgrade[j	NOUN
fbem-16462	328	13	]	]	PUNCT
fbem-16462	328	14	.	.	PUNCT
fbem-16462	329	1	consumer	consumer	NOUN
fbem-16462	329	2	economics,2023,39(02):33	economics,2023,39(02):33	PROPN
fbem-16462	329	3	-	-	PUNCT
fbem-16462	329	4	44	44	NUM
fbem-16462	329	5	.	.	PUNCT
fbem-16462	330	1	[	[	X
fbem-16462	330	2	40	40	NUM
fbem-16462	330	3	]	]	PUNCT
fbem-16462	330	4	markus	marku	NOUN
fbem-16462	330	5	,	,	PUNCT
fbem-16462	330	6	m.	m.	NOUN
fbem-16462	330	7	&	&	CCONJ
fbem-16462	330	8	j.g	j.g	PROPN
fbem-16462	330	9	.	.	PROPN
fbem-16462	330	10	grabka	grabka	PROPN
fbem-16462	330	11	.	.	PUNCT
fbem-16462	331	1	shrinking	shrink	VERB
fbem-16462	331	2	share	share	NOUN
fbem-16462	331	3	of	of	ADP
fbem-16462	331	4	middle	middle	ADJ
fbem-16462	331	5	-	-	PUNCT
fbem-16462	331	6	income	income	NOUN
fbem-16462	331	7	group	group	NOUN
fbem-16462	331	8	in	in	ADP
fbem-16462	331	9	germany	germany	PROPN
fbem-16462	331	10	and	and	CCONJ
fbem-16462	331	11	the	the	DET
fbem-16462	331	12	us[j	us[j	PROPN
fbem-16462	331	13	]	]	PUNCT
fbem-16462	331	14	.	.	PUNCT
fbem-16462	332	1	diw	diw	PROPN
fbem-16462	332	2	economic	economic	ADJ
fbem-16462	332	3	bulletin	bulletin	NOUN
fbem-16462	332	4	,	,	PUNCT
fbem-16462	332	5	2016	2016	NUM
fbem-16462	332	6	(	(	PUNCT
fbem-16462	332	7	18):199	18):199	NUM
fbem-16462	332	8	-	-	PUNCT
fbem-16462	332	9	212	212	NUM
fbem-16462	332	10	.	.	PUNCT
fbem-16462	333	1	[	[	X
fbem-16462	333	2	41	41	NUM
fbem-16462	333	3	]	]	X
fbem-16462	333	4	yin	yin	PROPN
fbem-16462	333	5	zhichao	zhichao	PROPN
fbem-16462	333	6	,	,	PUNCT
fbem-16462	333	7	song	song	NOUN
fbem-16462	333	8	quanyun	quanyun	PROPN
fbem-16462	333	9	,	,	PUNCT
fbem-16462	333	10	wu	wu	PROPN
fbem-16462	333	11	yu	yu	PROPN
fbem-16462	333	12	.	.	PROPN
fbem-16462	333	13	financial	financial	ADJ
fbem-16462	333	14	knowledge	knowledge	NOUN
fbem-16462	333	15	,	,	PUNCT
fbem-16462	333	16	investment	investment	NOUN
fbem-16462	333	17	experience	experience	NOUN
fbem-16462	333	18	and	and	CCONJ
fbem-16462	333	19	household	household	NOUN
fbem-16462	333	20	asset	asset	NOUN
fbem-16462	333	21	choice[j	choice[j	NOUN
fbem-16462	333	22	]	]	PUNCT
fbem-16462	333	23	.	.	PUNCT
fbem-16462	334	1	economic	economic	ADJ
fbem-16462	334	2	research	research	NOUN
fbem-16462	334	3	,	,	PUNCT
fbem-16462	334	4	2014,49(04):62	2014,49(04):62	NUM
fbem-16462	334	5	-	-	SYM
fbem-16462	334	6	75	75	NUM
fbem-16462	334	7	.	.	PUNCT
fbem-16462	335	1	[	[	X
fbem-16462	335	2	42	42	NUM
fbem-16462	335	3	]	]	X
fbem-16462	335	4	wu	wu	PROPN
fbem-16462	335	5	zaihua	zaihua	PROPN
fbem-16462	335	6	,	,	PUNCT
fbem-16462	335	7	xe	xe	PROPN
fbem-16462	335	8	beichen	beichen	VERB
fbem-16462	335	9	,	,	PUNCT
fbem-16462	335	10	guo	guo	PROPN
fbem-16462	335	11	xinhua	xinhua	PROPN
fbem-16462	335	12	.	.	PUNCT
fbem-16462	336	1	borrowing	borrow	VERB
fbem-16462	336	2	constraints	constraint	NOUN
fbem-16462	336	3	financial	financial	ADJ
fbem-16462	336	4	literacy	literacy	NOUN
fbem-16462	336	5	and	and	CCONJ
fbem-16462	336	6	the	the	DET
fbem-16462	336	7	mystery	mystery	NOUN
fbem-16462	336	8	of	of	ADP
fbem-16462	336	9	“	"	PUNCT
fbem-16462	336	10	limited	limited	ADJ
fbem-16462	336	11	participation	participation	NOUN
fbem-16462	336	12	”	"	PUNCT
fbem-16462	336	13	in	in	ADP
fbem-16462	336	14	the	the	DET
fbem-16462	336	15	stock	stock	NOUN
fbem-16462	336	16	market	market	NOUN
fbem-16462	336	17	of	of	ADP
fbem-16462	336	18	chinese	chinese	PROPN
fbem-16462	336	19	households[j	households[j	PROPN
fbem-16462	336	20	]	]	PUNCT
fbem-16462	336	21	modem	modem	NOUN
fbem-16462	336	22	finance	finance	NOUN
fbem-16462	336	23	and	and	CCONJ
fbem-16462	336	24	economics	economic	NOUN
fbem-16462	336	25	(	(	PUNCT
fbem-16462	336	26	journal	journal	PROPN
fbem-16462	336	27	of	of	ADP
fbem-16462	336	28	tianjin	tianjin	PROPN
fbem-16462	336	29	university	university	PROPN
fbem-16462	336	30	of	of	ADP
fbem-16462	336	31	finance	finance	NOUN
fbem-16462	336	32	and	and	CCONJ
fbem-16462	336	33	economics),2017,37(12):20	economics),2017,37(12):20	NOUN
fbem-16462	336	34	-	-	PUNCT
fbem-16462	336	35	35	35	NUM
fbem-16462	336	36	.	.	PUNCT