id	sid	tid	token	lemma	pos
fbem-17400	1	1	frontiers	frontier	NOUN
fbem-17400	1	2	in	in	ADP
fbem-17400	1	3	business	business	NOUN
fbem-17400	1	4	,	,	PUNCT
fbem-17400	1	5	economics	economic	NOUN
fbem-17400	1	6	and	and	CCONJ
fbem-17400	1	7	management	management	NOUN
fbem-17400	1	8	issn	issn	PROPN
fbem-17400	1	9	:	:	PUNCT
fbem-17400	1	10	2766	2766	NUM
fbem-17400	1	11	-	-	PUNCT
fbem-17400	1	12	824x	824x	NUM
fbem-17400	1	13	|	|	ADJ
fbem-17400	1	14	vol	vol	NOUN
fbem-17400	1	15	.	.	PROPN
fbem-17400	1	16	13	13	NUM
fbem-17400	1	17	,	,	PUNCT
fbem-17400	1	18	no	no	INTJ
fbem-17400	1	19	.	.	NOUN
fbem-17400	1	20	2	2	NUM
fbem-17400	1	21	,	,	PUNCT
fbem-17400	1	22	2024	2024	NUM
fbem-17400	1	23	151	151	NUM
fbem-17400	1	24	commercial	commercial	ADJ
fbem-17400	1	25	bank	bank	NOUN
fbem-17400	1	26	loan	loan	NOUN
fbem-17400	1	27	risk	risk	NOUN
fbem-17400	1	28	and	and	CCONJ
fbem-17400	1	29	prevention	prevention	PROPN
fbem-17400	1	30	shengye	shengye	PROPN
fbem-17400	1	31	jiang	jiang	PROPN
fbem-17400	1	32	department	department	PROPN
fbem-17400	1	33	of	of	ADP
fbem-17400	1	34	finance	finance	NOUN
fbem-17400	1	35	and	and	CCONJ
fbem-17400	1	36	economics	economic	NOUN
fbem-17400	1	37	,	,	PUNCT
fbem-17400	1	38	shandong	shandong	PROPN
fbem-17400	1	39	university	university	PROPN
fbem-17400	1	40	of	of	ADP
fbem-17400	1	41	science	science	NOUN
fbem-17400	1	42	and	and	CCONJ
fbem-17400	1	43	technology	technology	NOUN
fbem-17400	1	44	,	,	PUNCT
fbem-17400	1	45	jinan	jinan	PROPN
fbem-17400	1	46	,	,	PUNCT
fbem-17400	1	47	shandong	shandong	PROPN
fbem-17400	1	48	,	,	PUNCT
fbem-17400	1	49	250031	250031	NUM
fbem-17400	1	50	,	,	PUNCT
fbem-17400	1	51	china	china	PROPN
fbem-17400	1	52	abstract	abstract	NOUN
fbem-17400	1	53	:	:	PUNCT
fbem-17400	1	54	under	under	ADP
fbem-17400	1	55	the	the	DET
fbem-17400	1	56	environment	environment	NOUN
fbem-17400	1	57	of	of	ADP
fbem-17400	1	58	china	china	PROPN
fbem-17400	1	59	's	's	PART
fbem-17400	1	60	market	market	NOUN
fbem-17400	1	61	economy	economy	NOUN
fbem-17400	1	62	,	,	PUNCT
fbem-17400	1	63	the	the	DET
fbem-17400	1	64	healthy	healthy	ADJ
fbem-17400	1	65	and	and	CCONJ
fbem-17400	1	66	stable	stable	ADJ
fbem-17400	1	67	development	development	NOUN
fbem-17400	1	68	of	of	ADP
fbem-17400	1	69	commercial	commercial	ADJ
fbem-17400	1	70	banks	bank	NOUN
fbem-17400	1	71	is	be	AUX
fbem-17400	1	72	an	an	DET
fbem-17400	1	73	important	important	ADJ
fbem-17400	1	74	guarantee	guarantee	NOUN
fbem-17400	1	75	for	for	ADP
fbem-17400	1	76	the	the	DET
fbem-17400	1	77	healthy	healthy	ADJ
fbem-17400	1	78	operation	operation	NOUN
fbem-17400	1	79	of	of	ADP
fbem-17400	1	80	the	the	DET
fbem-17400	1	81	social	social	ADJ
fbem-17400	1	82	and	and	CCONJ
fbem-17400	1	83	economic	economic	ADJ
fbem-17400	1	84	system	system	NOUN
fbem-17400	1	85	.	.	PUNCT
fbem-17400	2	1	as	as	ADP
fbem-17400	2	2	an	an	DET
fbem-17400	2	3	important	important	ADJ
fbem-17400	2	4	part	part	NOUN
fbem-17400	2	5	of	of	ADP
fbem-17400	2	6	the	the	DET
fbem-17400	2	7	financial	financial	ADJ
fbem-17400	2	8	management	management	NOUN
fbem-17400	2	9	system	system	NOUN
fbem-17400	2	10	,	,	PUNCT
fbem-17400	2	11	credit	credit	NOUN
fbem-17400	2	12	management	management	NOUN
fbem-17400	2	13	of	of	ADP
fbem-17400	2	14	commercial	commercial	ADJ
fbem-17400	2	15	banks	bank	NOUN
fbem-17400	2	16	is	be	AUX
fbem-17400	2	17	not	not	PART
fbem-17400	2	18	only	only	ADV
fbem-17400	2	19	related	relate	VERB
fbem-17400	2	20	to	to	ADP
fbem-17400	2	21	the	the	DET
fbem-17400	2	22	sound	sound	ADJ
fbem-17400	2	23	development	development	NOUN
fbem-17400	2	24	of	of	ADP
fbem-17400	2	25	commercial	commercial	ADJ
fbem-17400	2	26	banks	bank	NOUN
fbem-17400	2	27	,	,	PUNCT
fbem-17400	2	28	but	but	CCONJ
fbem-17400	2	29	also	also	ADV
fbem-17400	2	30	has	have	VERB
fbem-17400	2	31	a	a	DET
fbem-17400	2	32	direct	direct	ADJ
fbem-17400	2	33	impact	impact	NOUN
fbem-17400	2	34	on	on	ADP
fbem-17400	2	35	the	the	DET
fbem-17400	2	36	stability	stability	NOUN
fbem-17400	2	37	of	of	ADP
fbem-17400	2	38	the	the	DET
fbem-17400	2	39	whole	whole	ADJ
fbem-17400	2	40	society	society	NOUN
fbem-17400	2	41	.	.	PUNCT
fbem-17400	3	1	at	at	ADP
fbem-17400	3	2	the	the	DET
fbem-17400	3	3	same	same	ADJ
fbem-17400	3	4	time	time	NOUN
fbem-17400	3	5	,	,	PUNCT
fbem-17400	3	6	risk	risk	NOUN
fbem-17400	3	7	factors	factor	NOUN
fbem-17400	3	8	in	in	ADP
fbem-17400	3	9	financial	financial	ADJ
fbem-17400	3	10	activities	activity	NOUN
fbem-17400	3	11	are	be	AUX
fbem-17400	3	12	always	always	ADV
fbem-17400	3	13	following	follow	VERB
fbem-17400	3	14	,	,	PUNCT
fbem-17400	3	15	and	and	CCONJ
fbem-17400	3	16	if	if	SCONJ
fbem-17400	3	17	there	there	PRON
fbem-17400	3	18	is	be	VERB
fbem-17400	3	19	no	no	DET
fbem-17400	3	20	reasonable	reasonable	ADJ
fbem-17400	3	21	avoidance	avoidance	NOUN
fbem-17400	3	22	and	and	CCONJ
fbem-17400	3	23	prevention	prevention	NOUN
fbem-17400	3	24	of	of	ADP
fbem-17400	3	25	financial	financial	ADJ
fbem-17400	3	26	risks	risk	NOUN
fbem-17400	3	27	,	,	PUNCT
fbem-17400	3	28	it	it	PRON
fbem-17400	3	29	will	will	AUX
fbem-17400	3	30	affect	affect	VERB
fbem-17400	3	31	and	and	CCONJ
fbem-17400	3	32	threaten	threaten	VERB
fbem-17400	3	33	the	the	DET
fbem-17400	3	34	survival	survival	NOUN
fbem-17400	3	35	of	of	ADP
fbem-17400	3	36	financial	financial	ADJ
fbem-17400	3	37	institutions	institution	NOUN
fbem-17400	3	38	.	.	PUNCT
fbem-17400	4	1	in	in	ADP
fbem-17400	4	2	such	such	DET
fbem-17400	4	3	a	a	DET
fbem-17400	4	4	situation	situation	NOUN
fbem-17400	4	5	,	,	PUNCT
fbem-17400	4	6	commercial	commercial	ADJ
fbem-17400	4	7	banks	bank	NOUN
fbem-17400	4	8	should	should	AUX
fbem-17400	4	9	attach	attach	VERB
fbem-17400	4	10	great	great	ADJ
fbem-17400	4	11	importance	importance	NOUN
fbem-17400	4	12	to	to	ADP
fbem-17400	4	13	the	the	DET
fbem-17400	4	14	prevention	prevention	NOUN
fbem-17400	4	15	and	and	CCONJ
fbem-17400	4	16	control	control	NOUN
fbem-17400	4	17	of	of	ADP
fbem-17400	4	18	loan	loan	NOUN
fbem-17400	4	19	risks	risk	NOUN
fbem-17400	4	20	,	,	PUNCT
fbem-17400	4	21	establish	establish	VERB
fbem-17400	4	22	reasonable	reasonable	ADJ
fbem-17400	4	23	control	control	NOUN
fbem-17400	4	24	strategies	strategy	NOUN
fbem-17400	4	25	based	base	VERB
fbem-17400	4	26	on	on	ADP
fbem-17400	4	27	the	the	DET
fbem-17400	4	28	actual	actual	ADJ
fbem-17400	4	29	situation	situation	NOUN
fbem-17400	4	30	,	,	PUNCT
fbem-17400	4	31	optimize	optimize	VERB
fbem-17400	4	32	the	the	DET
fbem-17400	4	33	risk	risk	NOUN
fbem-17400	4	34	management	management	NOUN
fbem-17400	4	35	system	system	NOUN
fbem-17400	4	36	,	,	PUNCT
fbem-17400	4	37	continuously	continuously	ADV
fbem-17400	4	38	improve	improve	VERB
fbem-17400	4	39	the	the	DET
fbem-17400	4	40	level	level	NOUN
fbem-17400	4	41	of	of	ADP
fbem-17400	4	42	risk	risk	NOUN
fbem-17400	4	43	management	management	NOUN
fbem-17400	4	44	and	and	CCONJ
fbem-17400	4	45	control	control	NOUN
fbem-17400	4	46	,	,	PUNCT
fbem-17400	4	47	ensure	ensure	VERB
fbem-17400	4	48	that	that	SCONJ
fbem-17400	4	49	the	the	DET
fbem-17400	4	50	healthy	healthy	ADJ
fbem-17400	4	51	operation	operation	NOUN
fbem-17400	4	52	of	of	ADP
fbem-17400	4	53	the	the	DET
fbem-17400	4	54	financial	financial	ADJ
fbem-17400	4	55	system	system	NOUN
fbem-17400	4	56	has	have	VERB
fbem-17400	4	57	good	good	ADJ
fbem-17400	4	58	depth	depth	NOUN
fbem-17400	4	59	and	and	CCONJ
fbem-17400	4	60	breadth	breadth	NOUN
fbem-17400	4	61	,	,	PUNCT
fbem-17400	4	62	and	and	CCONJ
fbem-17400	4	63	lay	lie	VERB
fbem-17400	4	64	a	a	DET
fbem-17400	4	65	solid	solid	ADJ
fbem-17400	4	66	foundation	foundation	NOUN
fbem-17400	4	67	for	for	ADP
fbem-17400	4	68	the	the	DET
fbem-17400	4	69	sustainable	sustainable	ADJ
fbem-17400	4	70	development	development	NOUN
fbem-17400	4	71	of	of	ADP
fbem-17400	4	72	commercial	commercial	ADJ
fbem-17400	4	73	banks	bank	NOUN
fbem-17400	4	74	.	.	PUNCT
fbem-17400	5	1	this	this	DET
fbem-17400	5	2	paper	paper	NOUN
fbem-17400	5	3	discusses	discuss	VERB
fbem-17400	5	4	the	the	DET
fbem-17400	5	5	risk	risk	NOUN
fbem-17400	5	6	and	and	CCONJ
fbem-17400	5	7	prevention	prevention	NOUN
fbem-17400	5	8	of	of	ADP
fbem-17400	5	9	commercial	commercial	ADJ
fbem-17400	5	10	bank	bank	NOUN
fbem-17400	5	11	loans	loan	NOUN
fbem-17400	5	12	from	from	ADP
fbem-17400	5	13	the	the	DET
fbem-17400	5	14	aspects	aspect	NOUN
fbem-17400	5	15	of	of	ADP
fbem-17400	5	16	the	the	DET
fbem-17400	5	17	concept	concept	NOUN
fbem-17400	5	18	and	and	CCONJ
fbem-17400	5	19	characteristics	characteristic	NOUN
fbem-17400	5	20	of	of	ADP
fbem-17400	5	21	commercial	commercial	ADJ
fbem-17400	5	22	bank	bank	PROPN
fbem-17400	5	23	loan	loan	NOUN
fbem-17400	5	24	risk	risk	NOUN
fbem-17400	5	25	,	,	PUNCT
fbem-17400	5	26	the	the	DET
fbem-17400	5	27	current	current	ADJ
fbem-17400	5	28	problems	problem	NOUN
fbem-17400	5	29	in	in	ADP
fbem-17400	5	30	the	the	DET
fbem-17400	5	31	risk	risk	NOUN
fbem-17400	5	32	management	management	NOUN
fbem-17400	5	33	and	and	CCONJ
fbem-17400	5	34	control	control	NOUN
fbem-17400	5	35	of	of	ADP
fbem-17400	5	36	commercial	commercial	ADJ
fbem-17400	5	37	bank	bank	NOUN
fbem-17400	5	38	loans	loan	NOUN
fbem-17400	5	39	,	,	PUNCT
fbem-17400	5	40	and	and	CCONJ
fbem-17400	5	41	the	the	DET
fbem-17400	5	42	countermeasures	countermeasure	NOUN
fbem-17400	5	43	to	to	ADP
fbem-17400	5	44	the	the	DET
fbem-17400	5	45	risk	risk	NOUN
fbem-17400	5	46	management	management	NOUN
fbem-17400	5	47	and	and	CCONJ
fbem-17400	5	48	control	control	NOUN
fbem-17400	5	49	of	of	ADP
fbem-17400	5	50	commercial	commercial	ADJ
fbem-17400	5	51	bank	bank	NOUN
fbem-17400	5	52	loans	loan	NOUN
fbem-17400	5	53	,	,	PUNCT
fbem-17400	5	54	so	so	SCONJ
fbem-17400	5	55	as	as	SCONJ
fbem-17400	5	56	to	to	PART
fbem-17400	5	57	provide	provide	VERB
fbem-17400	5	58	reference	reference	NOUN
fbem-17400	5	59	for	for	ADP
fbem-17400	5	60	promoting	promote	VERB
fbem-17400	5	61	the	the	DET
fbem-17400	5	62	healthy	healthy	ADJ
fbem-17400	5	63	development	development	NOUN
fbem-17400	5	64	of	of	ADP
fbem-17400	5	65	the	the	DET
fbem-17400	5	66	financial	financial	ADJ
fbem-17400	5	67	industry	industry	NOUN
fbem-17400	5	68	and	and	CCONJ
fbem-17400	5	69	standardizing	standardize	VERB
fbem-17400	5	70	the	the	DET
fbem-17400	5	71	management	management	NOUN
fbem-17400	5	72	of	of	ADP
fbem-17400	5	73	financial	financial	ADJ
fbem-17400	5	74	enterprises	enterprise	NOUN
fbem-17400	5	75	.	.	PUNCT
fbem-17400	6	1	keywords	keyword	NOUN
fbem-17400	6	2	:	:	PUNCT
fbem-17400	6	3	commercial	commercial	ADJ
fbem-17400	6	4	banks	bank	NOUN
fbem-17400	6	5	;	;	PUNCT
fbem-17400	6	6	loan	loan	NOUN
fbem-17400	6	7	risk	risk	NOUN
fbem-17400	6	8	;	;	PUNCT
fbem-17400	6	9	risk	risk	NOUN
fbem-17400	6	10	prevention	prevention	NOUN
fbem-17400	6	11	and	and	CCONJ
fbem-17400	6	12	control	control	NOUN
fbem-17400	6	13	.	.	PUNCT
fbem-17400	7	1	1	1	X
fbem-17400	7	2	.	.	X
fbem-17400	7	3	introduction	introduction	NOUN
fbem-17400	7	4	with	with	ADP
fbem-17400	7	5	the	the	DET
fbem-17400	7	6	rapid	rapid	ADJ
fbem-17400	7	7	development	development	NOUN
fbem-17400	7	8	of	of	ADP
fbem-17400	7	9	china	china	PROPN
fbem-17400	7	10	's	's	PART
fbem-17400	7	11	market	market	NOUN
fbem-17400	7	12	economy	economy	NOUN
fbem-17400	7	13	,	,	PUNCT
fbem-17400	7	14	the	the	DET
fbem-17400	7	15	scope	scope	NOUN
fbem-17400	7	16	and	and	CCONJ
fbem-17400	7	17	scale	scale	NOUN
fbem-17400	7	18	of	of	ADP
fbem-17400	7	19	credit	credit	NOUN
fbem-17400	7	20	business	business	NOUN
fbem-17400	7	21	,	,	PUNCT
fbem-17400	7	22	as	as	SCONJ
fbem-17400	7	23	the	the	DET
fbem-17400	7	24	main	main	ADJ
fbem-17400	7	25	profit	profit	NOUN
fbem-17400	7	26	channel	channel	NOUN
fbem-17400	7	27	of	of	ADP
fbem-17400	7	28	commercial	commercial	ADJ
fbem-17400	7	29	banks	bank	NOUN
fbem-17400	7	30	,	,	PUNCT
fbem-17400	7	31	are	be	AUX
fbem-17400	7	32	expanding	expand	VERB
fbem-17400	7	33	,	,	PUNCT
fbem-17400	7	34	and	and	CCONJ
fbem-17400	7	35	the	the	DET
fbem-17400	7	36	potential	potential	ADJ
fbem-17400	7	37	risk	risk	NOUN
fbem-17400	7	38	factors	factor	NOUN
fbem-17400	7	39	of	of	ADP
fbem-17400	7	40	traditional	traditional	ADJ
fbem-17400	7	41	commercial	commercial	ADJ
fbem-17400	7	42	banks	bank	NOUN
fbem-17400	7	43	'	'	PART
fbem-17400	7	44	credit	credit	NOUN
fbem-17400	7	45	business	business	NOUN
fbem-17400	7	46	are	be	AUX
fbem-17400	7	47	also	also	ADV
fbem-17400	7	48	increasing	increase	VERB
fbem-17400	7	49	.	.	PUNCT
fbem-17400	8	1	2	2	X
fbem-17400	8	2	.	.	X
fbem-17400	8	3	the	the	DET
fbem-17400	8	4	concept	concept	NOUN
fbem-17400	8	5	and	and	CCONJ
fbem-17400	8	6	characteristics	characteristic	NOUN
fbem-17400	8	7	of	of	ADP
fbem-17400	8	8	commercial	commercial	ADJ
fbem-17400	8	9	bank	bank	NOUN
fbem-17400	8	10	loan	loan	NOUN
fbem-17400	8	11	risk	risk	NOUN
fbem-17400	8	12	2.1	2.1	NUM
fbem-17400	8	13	.	.	PUNCT
fbem-17400	9	1	the	the	DET
fbem-17400	9	2	concept	concept	NOUN
fbem-17400	9	3	of	of	ADP
fbem-17400	9	4	commercial	commercial	ADJ
fbem-17400	9	5	bank	bank	PROPN
fbem-17400	9	6	loan	loan	NOUN
fbem-17400	9	7	risk	risk	NOUN
fbem-17400	9	8	the	the	DET
fbem-17400	9	9	risk	risk	NOUN
fbem-17400	9	10	of	of	ADP
fbem-17400	9	11	commercial	commercial	ADJ
fbem-17400	9	12	bank	bank	NOUN
fbem-17400	9	13	loans	loan	NOUN
fbem-17400	9	14	refers	refer	VERB
fbem-17400	9	15	to	to	ADP
fbem-17400	9	16	the	the	DET
fbem-17400	9	17	possibility	possibility	NOUN
fbem-17400	9	18	that	that	SCONJ
fbem-17400	9	19	the	the	DET
fbem-17400	9	20	borrower	borrower	NOUN
fbem-17400	9	21	or	or	CCONJ
fbem-17400	9	22	counterparty	counterparty	NOUN
fbem-17400	9	23	of	of	ADP
fbem-17400	9	24	the	the	DET
fbem-17400	9	25	bank	bank	NOUN
fbem-17400	9	26	fails	fail	VERB
fbem-17400	9	27	to	to	PART
fbem-17400	9	28	perform	perform	VERB
fbem-17400	9	29	its	its	PRON
fbem-17400	9	30	obligations	obligation	NOUN
fbem-17400	9	31	in	in	ADP
fbem-17400	9	32	accordance	accordance	NOUN
fbem-17400	9	33	with	with	ADP
fbem-17400	9	34	the	the	DET
fbem-17400	9	35	agreed	agree	VERB
fbem-17400	9	36	terms	term	NOUN
fbem-17400	9	37	,	,	PUNCT
fbem-17400	9	38	so	so	SCONJ
fbem-17400	9	39	the	the	DET
fbem-17400	9	40	borrower	borrower	NOUN
fbem-17400	9	41	can	can	AUX
fbem-17400	9	42	not	not	PART
fbem-17400	9	43	repay	repay	VERB
fbem-17400	9	44	the	the	DET
fbem-17400	9	45	principal	principal	NOUN
fbem-17400	9	46	and	and	CCONJ
fbem-17400	9	47	interest	interest	NOUN
fbem-17400	9	48	of	of	ADP
fbem-17400	9	49	the	the	DET
fbem-17400	9	50	loan	loan	NOUN
fbem-17400	9	51	on	on	ADP
fbem-17400	9	52	time	time	NOUN
fbem-17400	9	53	or	or	CCONJ
fbem-17400	9	54	fails	fail	VERB
fbem-17400	9	55	to	to	PART
fbem-17400	9	56	repay	repay	VERB
fbem-17400	9	57	it	it	PRON
fbem-17400	9	58	within	within	ADP
fbem-17400	9	59	the	the	DET
fbem-17400	9	60	time	time	NOUN
fbem-17400	9	61	limit	limit	NOUN
fbem-17400	9	62	,	,	PUNCT
fbem-17400	9	63	resulting	result	VERB
fbem-17400	9	64	in	in	ADP
fbem-17400	9	65	changes	change	NOUN
fbem-17400	9	66	in	in	ADP
fbem-17400	9	67	the	the	DET
fbem-17400	9	68	income	income	NOUN
fbem-17400	9	69	of	of	ADP
fbem-17400	9	70	the	the	DET
fbem-17400	9	71	commercial	commercial	ADJ
fbem-17400	9	72	bank	bank	NOUN
fbem-17400	9	73	.	.	PUNCT
fbem-17400	10	1	credit	credit	NOUN
fbem-17400	10	2	business	business	NOUN
fbem-17400	10	3	is	be	AUX
fbem-17400	10	4	the	the	DET
fbem-17400	10	5	main	main	ADJ
fbem-17400	10	6	source	source	NOUN
fbem-17400	10	7	of	of	ADP
fbem-17400	10	8	profits	profit	NOUN
fbem-17400	10	9	for	for	ADP
fbem-17400	10	10	commercial	commercial	ADJ
fbem-17400	10	11	banks	bank	NOUN
fbem-17400	10	12	,	,	PUNCT
fbem-17400	10	13	and	and	CCONJ
fbem-17400	10	14	for	for	ADP
fbem-17400	10	15	most	most	ADJ
fbem-17400	10	16	commercial	commercial	ADJ
fbem-17400	10	17	banks	bank	NOUN
fbem-17400	10	18	,	,	PUNCT
fbem-17400	10	19	in	in	ADP
fbem-17400	10	20	order	order	NOUN
fbem-17400	10	21	to	to	PART
fbem-17400	10	22	achieve	achieve	VERB
fbem-17400	10	23	the	the	DET
fbem-17400	10	24	goal	goal	NOUN
fbem-17400	10	25	of	of	ADP
fbem-17400	10	26	maximizing	maximize	VERB
fbem-17400	10	27	shareholder	shareholder	NOUN
fbem-17400	10	28	value	value	NOUN
fbem-17400	10	29	,	,	PUNCT
fbem-17400	10	30	commercial	commercial	ADJ
fbem-17400	10	31	banks	bank	NOUN
fbem-17400	10	32	need	need	VERB
fbem-17400	10	33	to	to	PART
fbem-17400	10	34	strive	strive	VERB
fbem-17400	10	35	for	for	ADP
fbem-17400	10	36	the	the	DET
fbem-17400	10	37	highest	high	ADJ
fbem-17400	10	38	rate	rate	NOUN
fbem-17400	10	39	of	of	ADP
fbem-17400	10	40	return	return	NOUN
fbem-17400	10	41	within	within	ADP
fbem-17400	10	42	their	their	PRON
fbem-17400	10	43	own	own	ADJ
fbem-17400	10	44	acceptable	acceptable	ADJ
fbem-17400	10	45	risk	risk	NOUN
fbem-17400	10	46	range	range	NOUN
fbem-17400	10	47	.	.	PUNCT
fbem-17400	11	1	as	as	SCONJ
fbem-17400	11	2	yields	yield	NOUN
fbem-17400	11	3	rise	rise	VERB
fbem-17400	11	4	,	,	PUNCT
fbem-17400	11	5	commercial	commercial	ADJ
fbem-17400	11	6	banks	bank	NOUN
fbem-17400	11	7	also	also	ADV
fbem-17400	11	8	have	have	VERB
fbem-17400	11	9	to	to	PART
fbem-17400	11	10	take	take	VERB
fbem-17400	11	11	greater	great	ADJ
fbem-17400	11	12	risks	risk	NOUN
fbem-17400	11	13	and	and	CCONJ
fbem-17400	11	14	effectively	effectively	ADV
fbem-17400	11	15	manage	manage	VERB
fbem-17400	11	16	the	the	DET
fbem-17400	11	17	corresponding	corresponding	ADJ
fbem-17400	11	18	loan	loan	NOUN
fbem-17400	11	19	risks	risk	NOUN
fbem-17400	11	20	.	.	PUNCT
fbem-17400	12	1	2.2	2.2	NUM
fbem-17400	12	2	.	.	PUNCT
fbem-17400	13	1	risk	risk	NOUN
fbem-17400	13	2	characteristics	characteristic	NOUN
fbem-17400	13	3	of	of	ADP
fbem-17400	13	4	commercial	commercial	ADJ
fbem-17400	13	5	bank	bank	NOUN
fbem-17400	13	6	loans	loan	NOUN
fbem-17400	13	7	(	(	PUNCT
fbem-17400	13	8	1	1	NUM
fbem-17400	13	9	)	)	PUNCT
fbem-17400	13	10	objectivity	objectivity	NOUN
fbem-17400	13	11	.	.	PUNCT
fbem-17400	14	1	the	the	DET
fbem-17400	14	2	objectivity	objectivity	NOUN
fbem-17400	14	3	of	of	ADP
fbem-17400	14	4	loan	loan	NOUN
fbem-17400	14	5	risk	risk	NOUN
fbem-17400	14	6	refers	refer	VERB
fbem-17400	14	7	to	to	ADP
fbem-17400	14	8	the	the	DET
fbem-17400	14	9	objective	objective	ADJ
fbem-17400	14	10	existence	existence	NOUN
fbem-17400	14	11	of	of	ADP
fbem-17400	14	12	loan	loan	NOUN
fbem-17400	14	13	risk	risk	NOUN
fbem-17400	14	14	,	,	PUNCT
fbem-17400	14	15	no	no	ADV
fbem-17400	14	16	matter	matter	ADV
fbem-17400	14	17	how	how	SCONJ
fbem-17400	14	18	perfect	perfect	ADJ
fbem-17400	14	19	the	the	DET
fbem-17400	14	20	risk	risk	NOUN
fbem-17400	14	21	control	control	NOUN
fbem-17400	14	22	system	system	NOUN
fbem-17400	14	23	of	of	ADP
fbem-17400	14	24	the	the	DET
fbem-17400	14	25	financial	financial	ADJ
fbem-17400	14	26	institution	institution	NOUN
fbem-17400	14	27	is	be	AUX
fbem-17400	14	28	,	,	PUNCT
fbem-17400	14	29	how	how	SCONJ
fbem-17400	14	30	high	high	ADJ
fbem-17400	14	31	the	the	DET
fbem-17400	14	32	level	level	NOUN
fbem-17400	14	33	of	of	ADP
fbem-17400	14	34	operation	operation	NOUN
fbem-17400	14	35	and	and	CCONJ
fbem-17400	14	36	management	management	NOUN
fbem-17400	14	37	,	,	PUNCT
fbem-17400	14	38	and	and	CCONJ
fbem-17400	14	39	how	how	SCONJ
fbem-17400	14	40	high	high	ADJ
fbem-17400	14	41	the	the	DET
fbem-17400	14	42	credit	credit	NOUN
fbem-17400	14	43	rating	rating	NOUN
fbem-17400	14	44	of	of	ADP
fbem-17400	14	45	the	the	DET
fbem-17400	14	46	borrower	borrower	NOUN
fbem-17400	14	47	,	,	PUNCT
fbem-17400	14	48	the	the	DET
fbem-17400	14	49	borrower	borrower	NOUN
fbem-17400	14	50	will	will	AUX
fbem-17400	14	51	face	face	VERB
fbem-17400	14	52	the	the	DET
fbem-17400	14	53	risk	risk	NOUN
fbem-17400	14	54	of	of	ADP
fbem-17400	14	55	not	not	PART
fbem-17400	14	56	repaying	repay	VERB
fbem-17400	14	57	the	the	DET
fbem-17400	14	58	principal	principal	NOUN
fbem-17400	14	59	and	and	CCONJ
fbem-17400	14	60	interest	interest	NOUN
fbem-17400	14	61	on	on	ADP
fbem-17400	14	62	time	time	NOUN
fbem-17400	14	63	when	when	SCONJ
fbem-17400	14	64	carrying	carry	VERB
fbem-17400	14	65	out	out	ADP
fbem-17400	14	66	loan	loan	NOUN
fbem-17400	14	67	business	business	NOUN
fbem-17400	14	68	.	.	PUNCT
fbem-17400	15	1	(	(	PUNCT
fbem-17400	15	2	2	2	X
fbem-17400	15	3	)	)	PUNCT
fbem-17400	15	4	uncertainty	uncertainty	NOUN
fbem-17400	15	5	.	.	PUNCT
fbem-17400	16	1	it	it	PRON
fbem-17400	16	2	is	be	AUX
fbem-17400	16	3	difficult	difficult	ADJ
fbem-17400	16	4	to	to	PART
fbem-17400	16	5	predict	predict	VERB
fbem-17400	16	6	if	if	SCONJ
fbem-17400	16	7	,	,	PUNCT
fbem-17400	16	8	when	when	SCONJ
fbem-17400	16	9	,	,	PUNCT
fbem-17400	16	10	and	and	CCONJ
fbem-17400	16	11	the	the	DET
fbem-17400	16	12	size	size	NOUN
fbem-17400	16	13	of	of	ADP
fbem-17400	16	14	the	the	DET
fbem-17400	16	15	amount	amount	NOUN
fbem-17400	16	16	that	that	PRON
fbem-17400	16	17	will	will	AUX
fbem-17400	16	18	be	be	AUX
fbem-17400	16	19	difficult	difficult	ADJ
fbem-17400	16	20	to	to	PART
fbem-17400	16	21	recover	recover	VERB
fbem-17400	16	22	.	.	PUNCT
fbem-17400	17	1	(	(	PUNCT
fbem-17400	17	2	3	3	NUM
fbem-17400	17	3	)	)	PUNCT
fbem-17400	17	4	concealment	concealment	NOUN
fbem-17400	17	5	.	.	PUNCT
fbem-17400	18	1	usually	usually	ADV
fbem-17400	18	2	,	,	PUNCT
fbem-17400	18	3	the	the	DET
fbem-17400	18	4	risk	risk	NOUN
fbem-17400	18	5	of	of	ADP
fbem-17400	18	6	a	a	DET
fbem-17400	18	7	loan	loan	NOUN
fbem-17400	18	8	appears	appear	VERB
fbem-17400	18	9	before	before	ADP
fbem-17400	18	10	or	or	CCONJ
fbem-17400	18	11	after	after	SCONJ
fbem-17400	18	12	the	the	DET
fbem-17400	18	13	loan	loan	NOUN
fbem-17400	18	14	is	be	AUX
fbem-17400	18	15	disbursed	disburse	VERB
fbem-17400	18	16	,	,	PUNCT
fbem-17400	18	17	but	but	CCONJ
fbem-17400	18	18	the	the	DET
fbem-17400	18	19	loss	loss	NOUN
fbem-17400	18	20	caused	cause	VERB
fbem-17400	18	21	is	be	AUX
fbem-17400	18	22	not	not	PART
fbem-17400	18	23	immediately	immediately	ADV
fbem-17400	18	24	apparent	apparent	ADJ
fbem-17400	18	25	and	and	CCONJ
fbem-17400	18	26	remains	remain	VERB
fbem-17400	18	27	a	a	DET
fbem-17400	18	28	façade	façade	NOUN
fbem-17400	18	29	.	.	PUNCT
fbem-17400	19	1	(	(	PUNCT
fbem-17400	19	2	4	4	X
fbem-17400	19	3	)	)	PUNCT
fbem-17400	19	4	controllability	controllability	NOUN
fbem-17400	19	5	.	.	PUNCT
fbem-17400	20	1	financial	financial	ADJ
fbem-17400	20	2	institutions	institution	NOUN
fbem-17400	20	3	predict	predict	VERB
fbem-17400	20	4	,	,	PUNCT
fbem-17400	20	5	prevent	prevent	VERB
fbem-17400	20	6	,	,	PUNCT
fbem-17400	20	7	avoid	avoid	VERB
fbem-17400	20	8	,	,	PUNCT
fbem-17400	20	9	and	and	CCONJ
fbem-17400	20	10	resolve	resolve	VERB
fbem-17400	20	11	loan	loan	NOUN
fbem-17400	20	12	risks	risk	NOUN
fbem-17400	20	13	through	through	ADP
fbem-17400	20	14	system	system	NOUN
fbem-17400	20	15	and	and	CCONJ
fbem-17400	20	16	process	process	NOUN
fbem-17400	20	17	control	control	NOUN
fbem-17400	20	18	.	.	PUNCT
fbem-17400	21	1	(	(	PUNCT
fbem-17400	21	2	5	5	NUM
fbem-17400	21	3	)	)	PUNCT
fbem-17400	21	4	double	double	ADJ
fbem-17400	21	5	-	-	PUNCT
fbem-17400	21	6	sidedness	sidedness	NOUN
fbem-17400	21	7	.	.	PUNCT
fbem-17400	22	1	loan	loan	NOUN
fbem-17400	22	2	risk	risk	NOUN
fbem-17400	22	3	will	will	AUX
fbem-17400	22	4	bring	bring	VERB
fbem-17400	22	5	losses	loss	NOUN
fbem-17400	22	6	to	to	ADP
fbem-17400	22	7	financial	financial	ADJ
fbem-17400	22	8	institutions	institution	NOUN
fbem-17400	22	9	,	,	PUNCT
fbem-17400	22	10	and	and	CCONJ
fbem-17400	22	11	at	at	ADP
fbem-17400	22	12	the	the	DET
fbem-17400	22	13	same	same	ADJ
fbem-17400	22	14	time	time	NOUN
fbem-17400	22	15	,	,	PUNCT
fbem-17400	22	16	it	it	PRON
fbem-17400	22	17	can	can	AUX
fbem-17400	22	18	also	also	ADV
fbem-17400	22	19	prompt	prompt	VERB
fbem-17400	22	20	financial	financial	ADJ
fbem-17400	22	21	institutions	institution	NOUN
fbem-17400	22	22	to	to	PART
fbem-17400	22	23	establish	establish	VERB
fbem-17400	22	24	and	and	CCONJ
fbem-17400	22	25	improve	improve	VERB
fbem-17400	22	26	risk	risk	NOUN
fbem-17400	22	27	compensation	compensation	NOUN
fbem-17400	22	28	mechanisms	mechanism	NOUN
fbem-17400	22	29	and	and	CCONJ
fbem-17400	22	30	risk	risk	NOUN
fbem-17400	22	31	protection	protection	NOUN
fbem-17400	22	32	systems	system	NOUN
fbem-17400	22	33	to	to	PART
fbem-17400	22	34	achieve	achieve	VERB
fbem-17400	22	35	healthy	healthy	ADJ
fbem-17400	22	36	and	and	CCONJ
fbem-17400	22	37	sustainable	sustainable	ADJ
fbem-17400	22	38	development	development	NOUN
fbem-17400	22	39	.	.	PUNCT
fbem-17400	23	1	(	(	PUNCT
fbem-17400	23	2	6	6	NUM
fbem-17400	23	3	)	)	PUNCT
fbem-17400	23	4	diffusion	diffusion	NOUN
fbem-17400	23	5	.	.	PUNCT
fbem-17400	24	1	once	once	SCONJ
fbem-17400	24	2	the	the	DET
fbem-17400	24	3	loan	loan	NOUN
fbem-17400	24	4	risk	risk	NOUN
fbem-17400	24	5	erupts	erupt	NOUN
fbem-17400	24	6	,	,	PUNCT
fbem-17400	24	7	it	it	PRON
fbem-17400	24	8	will	will	AUX
fbem-17400	24	9	not	not	PART
fbem-17400	24	10	only	only	ADV
fbem-17400	24	11	cause	cause	VERB
fbem-17400	24	12	losses	loss	NOUN
fbem-17400	24	13	to	to	ADP
fbem-17400	24	14	the	the	DET
fbem-17400	24	15	financial	financial	ADJ
fbem-17400	24	16	institutions	institution	NOUN
fbem-17400	24	17	themselves	themselves	PRON
fbem-17400	24	18	and	and	CCONJ
fbem-17400	24	19	affect	affect	VERB
fbem-17400	24	20	their	their	PRON
fbem-17400	24	21	survival	survival	NOUN
fbem-17400	24	22	and	and	CCONJ
fbem-17400	24	23	development	development	NOUN
fbem-17400	24	24	,	,	PUNCT
fbem-17400	24	25	but	but	CCONJ
fbem-17400	24	26	will	will	AUX
fbem-17400	24	27	also	also	ADV
fbem-17400	24	28	spread	spread	VERB
fbem-17400	24	29	rapidly	rapidly	ADV
fbem-17400	24	30	in	in	ADP
fbem-17400	24	31	other	other	ADJ
fbem-17400	24	32	financial	financial	ADJ
fbem-17400	24	33	systems	system	NOUN
fbem-17400	24	34	,	,	PUNCT
fbem-17400	24	35	and	and	CCONJ
fbem-17400	24	36	even	even	ADV
fbem-17400	24	37	affect	affect	VERB
fbem-17400	24	38	the	the	DET
fbem-17400	24	39	stability	stability	NOUN
fbem-17400	24	40	of	of	ADP
fbem-17400	24	41	the	the	DET
fbem-17400	24	42	entire	entire	ADJ
fbem-17400	24	43	financial	financial	ADJ
fbem-17400	24	44	system	system	NOUN
fbem-17400	24	45	and	and	CCONJ
fbem-17400	24	46	trigger	trigger	VERB
fbem-17400	24	47	a	a	DET
fbem-17400	24	48	financial	financial	ADJ
fbem-17400	24	49	crisis	crisis	NOUN
fbem-17400	24	50	.	.	PUNCT
fbem-17400	25	1	3	3	X
fbem-17400	25	2	.	.	NOUN
fbem-17400	25	3	problems	problem	NOUN
fbem-17400	25	4	existing	exist	VERB
fbem-17400	25	5	in	in	ADP
fbem-17400	25	6	the	the	DET
fbem-17400	25	7	risk	risk	NOUN
fbem-17400	25	8	management	management	NOUN
fbem-17400	25	9	and	and	CCONJ
fbem-17400	25	10	control	control	NOUN
fbem-17400	25	11	of	of	ADP
fbem-17400	25	12	commercial	commercial	ADJ
fbem-17400	25	13	banks	bank	NOUN
fbem-17400	25	14	'	'	PART
fbem-17400	25	15	loans	loan	NOUN
fbem-17400	25	16	at	at	ADP
fbem-17400	25	17	present	present	ADJ
fbem-17400	25	18	,	,	PUNCT
fbem-17400	25	19	commercial	commercial	ADJ
fbem-17400	25	20	banks	bank	NOUN
fbem-17400	25	21	have	have	AUX
fbem-17400	25	22	formed	form	VERB
fbem-17400	25	23	control	control	NOUN
fbem-17400	25	24	measures	measure	NOUN
fbem-17400	25	25	for	for	ADP
fbem-17400	25	26	credit	credit	NOUN
fbem-17400	25	27	risk	risk	NOUN
fbem-17400	25	28	,	,	PUNCT
fbem-17400	25	29	but	but	CCONJ
fbem-17400	25	30	they	they	PRON
fbem-17400	25	31	are	be	AUX
fbem-17400	25	32	still	still	ADV
fbem-17400	25	33	not	not	PART
fbem-17400	25	34	sound	sound	ADJ
fbem-17400	25	35	,	,	PUNCT
fbem-17400	25	36	and	and	CCONJ
fbem-17400	25	37	there	there	PRON
fbem-17400	25	38	are	be	VERB
fbem-17400	25	39	mainly	mainly	ADV
fbem-17400	25	40	the	the	DET
fbem-17400	25	41	following	follow	VERB
fbem-17400	25	42	problems	problem	NOUN
fbem-17400	25	43	:	:	PUNCT
fbem-17400	25	44	3.1	3.1	NUM
fbem-17400	25	45	.	.	PUNCT
fbem-17400	26	1	the	the	DET
fbem-17400	26	2	ability	ability	NOUN
fbem-17400	26	3	to	to	PART
fbem-17400	26	4	investigate	investigate	VERB
fbem-17400	26	5	loan	loan	NOUN
fbem-17400	26	6	information	information	NOUN
fbem-17400	26	7	is	be	AUX
fbem-17400	26	8	still	still	ADV
fbem-17400	26	9	lacking	lack	VERB
fbem-17400	26	10	credit	credit	NOUN
fbem-17400	26	11	risk	risk	NOUN
fbem-17400	26	12	is	be	AUX
fbem-17400	26	13	related	relate	VERB
fbem-17400	26	14	to	to	ADP
fbem-17400	26	15	the	the	DET
fbem-17400	26	16	problem	problem	NOUN
fbem-17400	26	17	of	of	ADP
fbem-17400	26	18	information	information	NOUN
fbem-17400	26	19	asymmetry	asymmetry	NOUN
fbem-17400	26	20	,	,	PUNCT
fbem-17400	26	21	that	that	ADV
fbem-17400	26	22	is	is	ADV
fbem-17400	26	23	,	,	PUNCT
fbem-17400	26	24	adverse	adverse	ADJ
fbem-17400	26	25	selection	selection	NOUN
fbem-17400	26	26	and	and	CCONJ
fbem-17400	26	27	moral	moral	ADJ
fbem-17400	26	28	hazard	hazard	NOUN
fbem-17400	26	29	.	.	PUNCT
fbem-17400	27	1	borrowers	borrower	NOUN
fbem-17400	27	2	tend	tend	VERB
fbem-17400	27	3	to	to	PART
fbem-17400	27	4	have	have	VERB
fbem-17400	27	5	easier	easy	ADJ
fbem-17400	27	6	control	control	NOUN
fbem-17400	27	7	of	of	ADP
fbem-17400	27	8	their	their	PRON
fbem-17400	27	9	financial	financial	ADJ
fbem-17400	27	10	situation	situation	NOUN
fbem-17400	27	11	and	and	CCONJ
fbem-17400	27	12	risk	risk	NOUN
fbem-17400	27	13	profile	profile	NOUN
fbem-17400	27	14	than	than	ADP
fbem-17400	27	15	commercial	commercial	ADJ
fbem-17400	27	16	banks	bank	NOUN
fbem-17400	27	17	before	before	ADP
fbem-17400	27	18	making	make	VERB
fbem-17400	27	19	a	a	DET
fbem-17400	27	20	loan	loan	NOUN
fbem-17400	27	21	,	,	PUNCT
fbem-17400	27	22	so	so	SCONJ
fbem-17400	27	23	those	those	PRON
fbem-17400	27	24	who	who	PRON
fbem-17400	27	25	are	be	AUX
fbem-17400	27	26	too	too	ADV
fbem-17400	27	27	risky	risky	ADJ
fbem-17400	27	28	tend	tend	NOUN
fbem-17400	27	29	to	to	PART
fbem-17400	27	30	borrow	borrow	VERB
fbem-17400	27	31	from	from	ADP
fbem-17400	27	32	bank	bank	NOUN
fbem-17400	27	33	even	even	ADV
fbem-17400	27	34	in	in	ADP
fbem-17400	27	35	the	the	DET
fbem-17400	27	36	face	face	NOUN
fbem-17400	27	37	of	of	ADP
fbem-17400	27	38	higher	high	ADJ
fbem-17400	27	39	interest	interest	NOUN
fbem-17400	27	40	rates	rate	NOUN
fbem-17400	27	41	,	,	PUNCT
fbem-17400	27	42	which	which	PRON
fbem-17400	27	43	is	be	AUX
fbem-17400	27	44	adverse	adverse	ADJ
fbem-17400	27	45	selection	selection	NOUN
fbem-17400	27	46	.	.	PUNCT
fbem-17400	28	1	after	after	ADP
fbem-17400	28	2	successfully	successfully	ADV
fbem-17400	28	3	obtaining	obtain	VERB
fbem-17400	28	4	a	a	DET
fbem-17400	28	5	loan	loan	NOUN
fbem-17400	28	6	from	from	ADP
fbem-17400	28	7	a	a	DET
fbem-17400	28	8	commercial	commercial	ADJ
fbem-17400	28	9	bank	bank	NOUN
fbem-17400	28	10	,	,	PUNCT
fbem-17400	28	11	the	the	DET
fbem-17400	28	12	borrower	borrower	NOUN
fbem-17400	28	13	may	may	AUX
fbem-17400	28	14	also	also	ADV
fbem-17400	28	15	take	take	VERB
fbem-17400	28	16	the	the	DET
fbem-17400	28	17	risk	risk	NOUN
fbem-17400	28	18	of	of	ADP
fbem-17400	28	19	making	make	VERB
fbem-17400	28	20	a	a	DET
fbem-17400	28	21	"	"	PUNCT
fbem-17400	28	22	high	high	ADJ
fbem-17400	28	23	-	-	PUNCT
fbem-17400	28	24	risk	risk	NOUN
fbem-17400	28	25	,	,	PUNCT
fbem-17400	28	26	high	high	ADJ
fbem-17400	28	27	-	-	PUNCT
fbem-17400	28	28	return	return	NOUN
fbem-17400	28	29	"	"	PUNCT
fbem-17400	28	30	investment	investment	NOUN
fbem-17400	28	31	that	that	PRON
fbem-17400	28	32	is	be	AUX
fbem-17400	28	33	not	not	PART
fbem-17400	28	34	well	well	ADV
fbem-17400	28	35	known	known	ADJ
fbem-17400	28	36	to	to	ADP
fbem-17400	28	37	commercial	commercial	ADJ
fbem-17400	28	38	banks	bank	NOUN
fbem-17400	28	39	,	,	PUNCT
fbem-17400	28	40	which	which	PRON
fbem-17400	28	41	is	be	AUX
fbem-17400	28	42	moral	moral	ADJ
fbem-17400	28	43	hazard	hazard	NOUN
fbem-17400	28	44	.	.	PUNCT
fbem-17400	29	1	the	the	DET
fbem-17400	29	2	ultimate	ultimate	ADJ
fbem-17400	29	3	result	result	NOUN
fbem-17400	29	4	of	of	ADP
fbem-17400	29	5	information	information	NOUN
fbem-17400	29	6	asymmetry	asymmetry	NOUN
fbem-17400	29	7	is	be	AUX
fbem-17400	29	8	that	that	SCONJ
fbem-17400	29	9	it	it	PRON
fbem-17400	29	10	is	be	AUX
fbem-17400	29	11	difficult	difficult	ADJ
fbem-17400	29	12	152	152	NUM
fbem-17400	29	13	for	for	SCONJ
fbem-17400	29	14	commercial	commercial	ADJ
fbem-17400	29	15	banks	bank	NOUN
fbem-17400	29	16	to	to	PART
fbem-17400	29	17	recover	recover	VERB
fbem-17400	29	18	the	the	DET
fbem-17400	29	19	principal	principal	NOUN
fbem-17400	29	20	and	and	CCONJ
fbem-17400	29	21	interest	interest	NOUN
fbem-17400	29	22	of	of	ADP
fbem-17400	29	23	loans	loan	NOUN
fbem-17400	29	24	and	and	CCONJ
fbem-17400	29	25	bear	bear	VERB
fbem-17400	29	26	the	the	DET
fbem-17400	29	27	loss	loss	NOUN
fbem-17400	29	28	of	of	ADP
fbem-17400	29	29	credit	credit	NOUN
fbem-17400	29	30	.	.	PUNCT
fbem-17400	30	1	credit	credit	NOUN
fbem-17400	30	2	investigation	investigation	NOUN
fbem-17400	30	3	is	be	AUX
fbem-17400	30	4	a	a	DET
fbem-17400	30	5	good	good	ADJ
fbem-17400	30	6	medicine	medicine	NOUN
fbem-17400	30	7	to	to	PART
fbem-17400	30	8	prevent	prevent	VERB
fbem-17400	30	9	information	information	NOUN
fbem-17400	30	10	asymmetry	asymmetry	NOUN
fbem-17400	30	11	,	,	PUNCT
fbem-17400	30	12	but	but	CCONJ
fbem-17400	30	13	the	the	DET
fbem-17400	30	14	current	current	ADJ
fbem-17400	30	15	credit	credit	NOUN
fbem-17400	30	16	investigation	investigation	NOUN
fbem-17400	30	17	of	of	ADP
fbem-17400	30	18	commercial	commercial	ADJ
fbem-17400	30	19	banks	bank	NOUN
fbem-17400	30	20	is	be	AUX
fbem-17400	30	21	usually	usually	ADV
fbem-17400	30	22	limited	limit	VERB
fbem-17400	30	23	to	to	ADP
fbem-17400	30	24	the	the	DET
fbem-17400	30	25	examination	examination	NOUN
fbem-17400	30	26	of	of	ADP
fbem-17400	30	27	the	the	DET
fbem-17400	30	28	financial	financial	ADJ
fbem-17400	30	29	information	information	NOUN
fbem-17400	30	30	of	of	ADP
fbem-17400	30	31	the	the	DET
fbem-17400	30	32	enterprise	enterprise	NOUN
fbem-17400	30	33	:	:	PUNCT
fbem-17400	30	34	financial	financial	ADJ
fbem-17400	30	35	statements	statement	NOUN
fbem-17400	30	36	and	and	CCONJ
fbem-17400	30	37	financial	financial	ADJ
fbem-17400	30	38	reports	report	NOUN
fbem-17400	30	39	,	,	PUNCT
fbem-17400	30	40	tax	tax	NOUN
fbem-17400	30	41	statements	statement	NOUN
fbem-17400	30	42	,	,	PUNCT
fbem-17400	30	43	bank	bank	NOUN
fbem-17400	30	44	account	account	NOUN
fbem-17400	30	45	information	information	NOUN
fbem-17400	30	46	,	,	PUNCT
fbem-17400	30	47	etc	etc	X
fbem-17400	30	48	.	.	X
fbem-17400	30	49	,	,	PUNCT
fbem-17400	30	50	and	and	CCONJ
fbem-17400	30	51	the	the	DET
fbem-17400	30	52	authenticity	authenticity	NOUN
fbem-17400	30	53	and	and	CCONJ
fbem-17400	30	54	accuracy	accuracy	NOUN
fbem-17400	30	55	of	of	ADP
fbem-17400	30	56	the	the	DET
fbem-17400	30	57	business	business	NOUN
fbem-17400	30	58	transactions	transaction	NOUN
fbem-17400	30	59	of	of	ADP
fbem-17400	30	60	the	the	DET
fbem-17400	30	61	enterprise	enterprise	NOUN
fbem-17400	30	62	,	,	PUNCT
fbem-17400	30	63	the	the	DET
fbem-17400	30	64	strategic	strategic	ADJ
fbem-17400	30	65	planning	planning	NOUN
fbem-17400	30	66	of	of	ADP
fbem-17400	30	67	the	the	DET
fbem-17400	30	68	enterprise	enterprise	NOUN
fbem-17400	30	69	,	,	PUNCT
fbem-17400	30	70	the	the	DET
fbem-17400	30	71	operation	operation	NOUN
fbem-17400	30	72	management	management	NOUN
fbem-17400	30	73	and	and	CCONJ
fbem-17400	30	74	other	other	ADJ
fbem-17400	30	75	information	information	NOUN
fbem-17400	30	76	closely	closely	ADV
fbem-17400	30	77	related	relate	VERB
fbem-17400	30	78	to	to	ADP
fbem-17400	30	79	the	the	DET
fbem-17400	30	80	overall	overall	ADJ
fbem-17400	30	81	comprehensive	comprehensive	ADJ
fbem-17400	30	82	relationship	relationship	NOUN
fbem-17400	30	83	of	of	ADP
fbem-17400	30	84	the	the	DET
fbem-17400	30	85	enterprise	enterprise	NOUN
fbem-17400	30	86	are	be	AUX
fbem-17400	30	87	insufficient	insufficient	ADJ
fbem-17400	30	88	,	,	PUNCT
fbem-17400	30	89	and	and	CCONJ
fbem-17400	30	90	it	it	PRON
fbem-17400	30	91	is	be	AUX
fbem-17400	30	92	difficult	difficult	ADJ
fbem-17400	30	93	to	to	PART
fbem-17400	30	94	fundamentally	fundamentally	ADV
fbem-17400	30	95	solve	solve	VERB
fbem-17400	30	96	the	the	DET
fbem-17400	30	97	serious	serious	ADJ
fbem-17400	30	98	problem	problem	NOUN
fbem-17400	30	99	of	of	ADP
fbem-17400	30	100	borrowers	borrower	NOUN
fbem-17400	30	101	whitewashing	whitewash	VERB
fbem-17400	30	102	and	and	CCONJ
fbem-17400	30	103	beautifying	beautify	VERB
fbem-17400	30	104	financial	financial	ADJ
fbem-17400	30	105	information	information	NOUN
fbem-17400	30	106	in	in	ADP
fbem-17400	30	107	order	order	NOUN
fbem-17400	30	108	to	to	PART
fbem-17400	30	109	obtain	obtain	VERB
fbem-17400	30	110	loans	loan	NOUN
fbem-17400	30	111	.	.	PUNCT
fbem-17400	31	1	3.2	3.2	NUM
fbem-17400	31	2	.	.	PUNCT
fbem-17400	32	1	the	the	DET
fbem-17400	32	2	loan	loan	NOUN
fbem-17400	32	3	evaluation	evaluation	NOUN
fbem-17400	32	4	index	index	NOUN
fbem-17400	32	5	is	be	AUX
fbem-17400	32	6	not	not	PART
fbem-17400	32	7	perfect	perfect	ADJ
fbem-17400	32	8	according	accord	VERB
fbem-17400	32	9	to	to	ADP
fbem-17400	32	10	theoretical	theoretical	ADJ
fbem-17400	32	11	knowledge	knowledge	NOUN
fbem-17400	32	12	,	,	PUNCT
fbem-17400	32	13	commercial	commercial	ADJ
fbem-17400	32	14	banks	bank	NOUN
fbem-17400	32	15	currently	currently	ADV
fbem-17400	32	16	also	also	ADV
fbem-17400	32	17	have	have	VERB
fbem-17400	32	18	relevant	relevant	ADJ
fbem-17400	32	19	traditional	traditional	ADJ
fbem-17400	32	20	credit	credit	NOUN
fbem-17400	32	21	risk	risk	NOUN
fbem-17400	32	22	surrogate	surrogate	ADJ
fbem-17400	32	23	indicators	indicator	NOUN
fbem-17400	32	24	,	,	PUNCT
fbem-17400	32	25	such	such	ADJ
fbem-17400	32	26	as	as	ADP
fbem-17400	32	27	"	"	PUNCT
fbem-17400	32	28	total	total	ADJ
fbem-17400	32	29	loans	loan	NOUN
fbem-17400	32	30	/	/	SYM
fbem-17400	32	31	total	total	ADJ
fbem-17400	32	32	assets	asset	NOUN
fbem-17400	32	33	,	,	PUNCT
fbem-17400	32	34	non	non	ADJ
fbem-17400	32	35	-	-	ADJ
fbem-17400	32	36	performingloans	performingloans	ADJ
fbem-17400	32	37	/	/	SYM
fbem-17400	32	38	total	total	ADJ
fbem-17400	32	39	loans	loan	NOUN
fbem-17400	32	40	,	,	PUNCT
fbem-17400	32	41	loan	loan	NOUN
fbem-17400	32	42	losses	loss	NOUN
fbem-17400	32	43	/	/	SYM
fbem-17400	32	44	total	total	ADJ
fbem-17400	32	45	loans	loan	NOUN
fbem-17400	32	46	,	,	PUNCT
fbem-17400	32	47	and	and	CCONJ
fbem-17400	32	48	loan	loan	NOUN
fbem-17400	32	49	loss	loss	NOUN
fbem-17400	32	50	provisions	provision	NOUN
fbem-17400	32	51	/	/	SYM
fbem-17400	32	52	total	total	ADJ
fbem-17400	32	53	assets	asset	NOUN
fbem-17400	32	54	"	"	PUNCT
fbem-17400	32	55	,	,	PUNCT
fbem-17400	32	56	these	these	DET
fbem-17400	32	57	ratios	ratio	NOUN
fbem-17400	32	58	apply	apply	VERB
fbem-17400	32	59	to	to	ADP
fbem-17400	32	60	the	the	DET
fbem-17400	32	61	different	different	ADJ
fbem-17400	32	62	types	type	NOUN
fbem-17400	32	63	of	of	ADP
fbem-17400	32	64	loans	loan	NOUN
fbem-17400	32	65	held	hold	VERB
fbem-17400	32	66	on	on	ADP
fbem-17400	32	67	a	a	DET
fbem-17400	32	68	bank	bank	NOUN
fbem-17400	32	69	's	's	PART
fbem-17400	32	70	balance	balance	NOUN
fbem-17400	32	71	sheet	sheet	NOUN
fbem-17400	32	72	,	,	PUNCT
fbem-17400	32	73	but	but	CCONJ
fbem-17400	32	74	these	these	DET
fbem-17400	32	75	indicators	indicator	NOUN
fbem-17400	32	76	lag	lag	VERB
fbem-17400	32	77	behind	behind	ADP
fbem-17400	32	78	the	the	DET
fbem-17400	32	79	earnings	earning	NOUN
fbem-17400	32	80	data	datum	NOUN
fbem-17400	32	81	,	,	PUNCT
fbem-17400	32	82	and	and	CCONJ
fbem-17400	32	83	most	most	ADJ
fbem-17400	32	84	of	of	ADP
fbem-17400	32	85	the	the	DET
fbem-17400	32	86	above	above	ADJ
fbem-17400	32	87	data	datum	NOUN
fbem-17400	32	88	is	be	AUX
fbem-17400	32	89	already	already	ADV
fbem-17400	32	90	happening	happen	VERB
fbem-17400	32	91	in	in	ADP
fbem-17400	32	92	the	the	DET
fbem-17400	32	93	real	real	ADJ
fbem-17400	32	94	world	world	NOUN
fbem-17400	32	95	,	,	PUNCT
fbem-17400	32	96	making	make	VERB
fbem-17400	32	97	it	it	PRON
fbem-17400	32	98	relatively	relatively	ADV
fbem-17400	32	99	difficult	difficult	ADJ
fbem-17400	32	100	to	to	PART
fbem-17400	32	101	predict	predict	VERB
fbem-17400	32	102	the	the	DET
fbem-17400	32	103	future	future	NOUN
fbem-17400	32	104	.	.	PUNCT
fbem-17400	33	1	the	the	DET
fbem-17400	33	2	perfect	perfect	ADJ
fbem-17400	33	3	credit	credit	NOUN
fbem-17400	33	4	risk	risk	NOUN
fbem-17400	33	5	assessment	assessment	NOUN
fbem-17400	33	6	system	system	NOUN
fbem-17400	33	7	is	be	AUX
fbem-17400	33	8	scientific	scientific	ADJ
fbem-17400	33	9	in	in	ADP
fbem-17400	33	10	evaluation	evaluation	NOUN
fbem-17400	33	11	methods	method	NOUN
fbem-17400	33	12	,	,	PUNCT
fbem-17400	33	13	advanced	advanced	ADJ
fbem-17400	33	14	means	mean	NOUN
fbem-17400	33	15	and	and	CCONJ
fbem-17400	33	16	sufficient	sufficient	ADJ
fbem-17400	33	17	information	information	NOUN
fbem-17400	33	18	support	support	NOUN
fbem-17400	33	19	,	,	PUNCT
fbem-17400	33	20	and	and	CCONJ
fbem-17400	33	21	the	the	DET
fbem-17400	33	22	current	current	ADJ
fbem-17400	33	23	loan	loan	NOUN
fbem-17400	33	24	evaluation	evaluation	NOUN
fbem-17400	33	25	system	system	NOUN
fbem-17400	33	26	of	of	ADP
fbem-17400	33	27	commercial	commercial	ADJ
fbem-17400	33	28	banks	bank	NOUN
fbem-17400	33	29	needs	need	VERB
fbem-17400	33	30	to	to	PART
fbem-17400	33	31	be	be	AUX
fbem-17400	33	32	optimized	optimize	VERB
fbem-17400	33	33	and	and	CCONJ
fbem-17400	33	34	upgraded	upgrade	VERB
fbem-17400	33	35	.	.	PUNCT
fbem-17400	34	1	3.3	3.3	NUM
fbem-17400	34	2	.	.	PUNCT
fbem-17400	35	1	lack	lack	NOUN
fbem-17400	35	2	of	of	ADP
fbem-17400	35	3	loan	loan	NOUN
fbem-17400	35	4	management	management	NOUN
fbem-17400	35	5	capacity	capacity	NOUN
fbem-17400	35	6	of	of	ADP
fbem-17400	35	7	commercial	commercial	ADJ
fbem-17400	35	8	banks	bank	NOUN
fbem-17400	35	9	(	(	PUNCT
fbem-17400	35	10	1	1	NUM
fbem-17400	35	11	)	)	PUNCT
fbem-17400	35	12	lack	lack	NOUN
fbem-17400	35	13	of	of	ADP
fbem-17400	35	14	ability	ability	NOUN
fbem-17400	35	15	to	to	PART
fbem-17400	35	16	use	use	VERB
fbem-17400	35	17	technology	technology	NOUN
fbem-17400	35	18	.	.	PUNCT
fbem-17400	36	1	at	at	ADP
fbem-17400	36	2	present	present	ADJ
fbem-17400	36	3	,	,	PUNCT
fbem-17400	36	4	with	with	ADP
fbem-17400	36	5	the	the	DET
fbem-17400	36	6	rapid	rapid	ADJ
fbem-17400	36	7	development	development	NOUN
fbem-17400	36	8	of	of	ADP
fbem-17400	36	9	information	information	NOUN
fbem-17400	36	10	technology	technology	NOUN
fbem-17400	36	11	,	,	PUNCT
fbem-17400	36	12	the	the	DET
fbem-17400	36	13	corresponding	correspond	VERB
fbem-17400	36	14	telecommunication	telecommunication	NOUN
fbem-17400	36	15	supervision	supervision	NOUN
fbem-17400	36	16	procedures	procedure	NOUN
fbem-17400	36	17	have	have	AUX
fbem-17400	36	18	also	also	ADV
fbem-17400	36	19	been	be	AUX
fbem-17400	36	20	applied	apply	VERB
fbem-17400	36	21	,	,	PUNCT
fbem-17400	36	22	but	but	CCONJ
fbem-17400	36	23	the	the	DET
fbem-17400	36	24	scope	scope	NOUN
fbem-17400	36	25	of	of	ADP
fbem-17400	36	26	application	application	NOUN
fbem-17400	36	27	is	be	AUX
fbem-17400	36	28	small	small	ADJ
fbem-17400	36	29	and	and	CCONJ
fbem-17400	36	30	the	the	DET
fbem-17400	36	31	management	management	NOUN
fbem-17400	36	32	ability	ability	NOUN
fbem-17400	36	33	is	be	AUX
fbem-17400	36	34	weak	weak	ADJ
fbem-17400	36	35	;	;	PUNCT
fbem-17400	36	36	many	many	ADJ
fbem-17400	36	37	small	small	ADJ
fbem-17400	36	38	and	and	CCONJ
fbem-17400	36	39	medium	medium	ADJ
fbem-17400	36	40	-	-	PUNCT
fbem-17400	36	41	sized	sized	ADJ
fbem-17400	36	42	banks	bank	NOUN
fbem-17400	36	43	are	be	AUX
fbem-17400	36	44	limited	limit	VERB
fbem-17400	36	45	by	by	ADP
fbem-17400	36	46	the	the	DET
fbem-17400	36	47	implementation	implementation	NOUN
fbem-17400	36	48	and	and	CCONJ
fbem-17400	36	49	application	application	NOUN
fbem-17400	36	50	of	of	ADP
fbem-17400	36	51	information	information	NOUN
fbem-17400	36	52	technology	technology	NOUN
fbem-17400	36	53	,	,	PUNCT
fbem-17400	36	54	and	and	CCONJ
fbem-17400	36	55	rely	rely	VERB
fbem-17400	36	56	too	too	ADV
fbem-17400	36	57	much	much	ADV
fbem-17400	36	58	on	on	ADP
fbem-17400	36	59	manual	manual	ADJ
fbem-17400	36	60	work	work	NOUN
fbem-17400	36	61	in	in	ADP
fbem-17400	36	62	the	the	DET
fbem-17400	36	63	loan	loan	NOUN
fbem-17400	36	64	process	process	NOUN
fbem-17400	36	65	,	,	PUNCT
fbem-17400	36	66	resulting	result	VERB
fbem-17400	36	67	in	in	ADP
fbem-17400	36	68	the	the	DET
fbem-17400	36	69	loan	loan	NOUN
fbem-17400	36	70	process	process	NOUN
fbem-17400	36	71	being	be	AUX
fbem-17400	36	72	interfered	interfere	VERB
fbem-17400	36	73	by	by	ADP
fbem-17400	36	74	human	human	ADJ
fbem-17400	36	75	factors	factor	NOUN
fbem-17400	36	76	,	,	PUNCT
fbem-17400	36	77	which	which	PRON
fbem-17400	36	78	is	be	AUX
fbem-17400	36	79	not	not	PART
fbem-17400	36	80	objective	objective	ADJ
fbem-17400	36	81	and	and	CCONJ
fbem-17400	36	82	fair	fair	ADJ
fbem-17400	36	83	.	.	PUNCT
fbem-17400	37	1	(	(	PUNCT
fbem-17400	37	2	2	2	X
fbem-17400	37	3	)	)	PUNCT
fbem-17400	37	4	the	the	DET
fbem-17400	37	5	internal	internal	ADJ
fbem-17400	37	6	risk	risk	NOUN
fbem-17400	37	7	management	management	NOUN
fbem-17400	37	8	system	system	NOUN
fbem-17400	37	9	and	and	CCONJ
fbem-17400	37	10	loan	loan	NOUN
fbem-17400	37	11	review	review	NOUN
fbem-17400	37	12	management	management	NOUN
fbem-17400	37	13	system	system	NOUN
fbem-17400	37	14	are	be	AUX
fbem-17400	37	15	immature	immature	ADJ
fbem-17400	37	16	.	.	PUNCT
fbem-17400	38	1	china	china	PROPN
fbem-17400	38	2	has	have	AUX
fbem-17400	38	3	been	be	AUX
fbem-17400	38	4	reforming	reform	VERB
fbem-17400	38	5	,	,	PUNCT
fbem-17400	38	6	promoting	promote	VERB
fbem-17400	38	7	,	,	PUNCT
fbem-17400	38	8	and	and	CCONJ
fbem-17400	38	9	improving	improve	VERB
fbem-17400	38	10	the	the	DET
fbem-17400	38	11	corresponding	correspond	VERB
fbem-17400	38	12	rules	rule	NOUN
fbem-17400	38	13	and	and	CCONJ
fbem-17400	38	14	regulations	regulation	NOUN
fbem-17400	38	15	of	of	ADP
fbem-17400	38	16	commercial	commercial	ADJ
fbem-17400	38	17	banks	bank	NOUN
fbem-17400	38	18	,	,	PUNCT
fbem-17400	38	19	and	and	CCONJ
fbem-17400	38	20	the	the	DET
fbem-17400	38	21	internal	internal	ADJ
fbem-17400	38	22	risk	risk	NOUN
fbem-17400	38	23	management	management	NOUN
fbem-17400	38	24	system	system	NOUN
fbem-17400	38	25	and	and	CCONJ
fbem-17400	38	26	loan	loan	NOUN
fbem-17400	38	27	review	review	NOUN
fbem-17400	38	28	management	management	NOUN
fbem-17400	38	29	system	system	NOUN
fbem-17400	38	30	are	be	AUX
fbem-17400	38	31	immature	immature	ADJ
fbem-17400	38	32	,	,	PUNCT
fbem-17400	38	33	which	which	PRON
fbem-17400	38	34	in	in	ADP
fbem-17400	38	35	turn	turn	NOUN
fbem-17400	38	36	affects	affect	VERB
fbem-17400	38	37	the	the	DET
fbem-17400	38	38	disadvantages	disadvantage	NOUN
fbem-17400	38	39	of	of	ADP
fbem-17400	38	40	decentralized	decentralized	ADJ
fbem-17400	38	41	organizational	organizational	ADJ
fbem-17400	38	42	structure	structure	NOUN
fbem-17400	38	43	,	,	PUNCT
fbem-17400	38	44	low	low	ADJ
fbem-17400	38	45	efficiency	efficiency	NOUN
fbem-17400	38	46	,	,	PUNCT
fbem-17400	38	47	and	and	CCONJ
fbem-17400	38	48	unclear	unclear	ADJ
fbem-17400	38	49	division	division	NOUN
fbem-17400	38	50	of	of	ADP
fbem-17400	38	51	labor	labor	NOUN
fbem-17400	38	52	.	.	PUNCT
fbem-17400	39	1	(	(	PUNCT
fbem-17400	39	2	3	3	X
fbem-17400	39	3	)	)	PUNCT
fbem-17400	39	4	formalized	formalize	VERB
fbem-17400	39	5	post	post	ADJ
fbem-17400	39	6	-	-	ADJ
fbem-17400	39	7	loan	loan	ADJ
fbem-17400	39	8	control	control	NOUN
fbem-17400	39	9	,	,	PUNCT
fbem-17400	39	10	failure	failure	NOUN
fbem-17400	39	11	to	to	PART
fbem-17400	39	12	discover	discover	VERB
fbem-17400	39	13	and	and	CCONJ
fbem-17400	39	14	control	control	NOUN
fbem-17400	39	15	loan	loan	NOUN
fbem-17400	39	16	risks	risk	NOUN
fbem-17400	39	17	in	in	ADP
fbem-17400	39	18	a	a	DET
fbem-17400	39	19	timely	timely	ADJ
fbem-17400	39	20	manner	manner	NOUN
fbem-17400	39	21	,	,	PUNCT
fbem-17400	39	22	resulting	result	VERB
fbem-17400	39	23	in	in	ADP
fbem-17400	39	24	losses	loss	NOUN
fbem-17400	39	25	.	.	PUNCT
fbem-17400	40	1	most	most	ADJ
fbem-17400	40	2	commercial	commercial	ADJ
fbem-17400	40	3	banks	bank	NOUN
fbem-17400	40	4	believe	believe	VERB
fbem-17400	40	5	that	that	SCONJ
fbem-17400	40	6	with	with	ADP
fbem-17400	40	7	collateral	collateral	NOUN
fbem-17400	40	8	,	,	PUNCT
fbem-17400	40	9	they	they	PRON
fbem-17400	40	10	can	can	AUX
fbem-17400	40	11	"	"	PUNCT
fbem-17400	40	12	sit	sit	VERB
fbem-17400	40	13	back	back	ADV
fbem-17400	40	14	and	and	CCONJ
fbem-17400	40	15	relax	relax	VERB
fbem-17400	40	16	"	"	PUNCT
fbem-17400	40	17	,	,	PUNCT
fbem-17400	40	18	so	so	ADV
fbem-17400	40	19	they	they	PRON
fbem-17400	40	20	ignore	ignore	VERB
fbem-17400	40	21	the	the	DET
fbem-17400	40	22	follow	follow	VERB
fbem-17400	40	23	-	-	PUNCT
fbem-17400	40	24	up	up	ADP
fbem-17400	40	25	management	management	NOUN
fbem-17400	40	26	after	after	ADP
fbem-17400	40	27	the	the	DET
fbem-17400	40	28	loan	loan	NOUN
fbem-17400	40	29	,	,	PUNCT
fbem-17400	40	30	and	and	CCONJ
fbem-17400	40	31	can	can	AUX
fbem-17400	40	32	only	only	ADV
fbem-17400	40	33	passively	passively	ADV
fbem-17400	40	34	accept	accept	VERB
fbem-17400	40	35	the	the	DET
fbem-17400	40	36	credit	credit	NOUN
fbem-17400	40	37	loss	loss	NOUN
fbem-17400	40	38	when	when	SCONJ
fbem-17400	40	39	it	it	PRON
fbem-17400	40	40	appears	appear	VERB
fbem-17400	40	41	;	;	PUNCT
fbem-17400	40	42	some	some	DET
fbem-17400	40	43	commercial	commercial	ADJ
fbem-17400	40	44	banks	bank	NOUN
fbem-17400	40	45	are	be	AUX
fbem-17400	40	46	worried	worried	ADJ
fbem-17400	40	47	about	about	ADP
fbem-17400	40	48	the	the	DET
fbem-17400	40	49	risk	risk	NOUN
fbem-17400	40	50	of	of	ADP
fbem-17400	40	51	customer	customer	NOUN
fbem-17400	40	52	loss	loss	NOUN
fbem-17400	40	53	,	,	PUNCT
fbem-17400	40	54	and	and	CCONJ
fbem-17400	40	55	in	in	ADP
fbem-17400	40	56	the	the	DET
fbem-17400	40	57	face	face	NOUN
fbem-17400	40	58	of	of	ADP
fbem-17400	40	59	lenders	lender	NOUN
fbem-17400	40	60	'	'	PART
fbem-17400	40	61	implementation	implementation	NOUN
fbem-17400	40	62	of	of	ADP
fbem-17400	40	63	the	the	DET
fbem-17400	40	64	"	"	PUNCT
fbem-17400	40	65	three	three	NUM
fbem-17400	40	66	noes	no	NOUN
fbem-17400	40	67	"	"	PUNCT
fbem-17400	40	68	policy	policy	NOUN
fbem-17400	40	69	,	,	PUNCT
fbem-17400	40	70	that	that	ADV
fbem-17400	40	71	is	is	ADV
fbem-17400	40	72	,	,	PUNCT
fbem-17400	40	73	they	they	PRON
fbem-17400	40	74	do	do	AUX
fbem-17400	40	75	not	not	PART
fbem-17400	40	76	ask	ask	VERB
fbem-17400	40	77	,	,	PUNCT
fbem-17400	40	78	do	do	AUX
fbem-17400	40	79	not	not	PART
fbem-17400	40	80	care	care	VERB
fbem-17400	40	81	,	,	PUNCT
fbem-17400	40	82	and	and	CCONJ
fbem-17400	40	83	do	do	AUX
fbem-17400	40	84	not	not	PART
fbem-17400	40	85	know	know	VERB
fbem-17400	40	86	.	.	PUNCT
fbem-17400	41	1	as	as	ADP
fbem-17400	41	2	a	a	DET
fbem-17400	41	3	result	result	NOUN
fbem-17400	41	4	,	,	PUNCT
fbem-17400	41	5	the	the	DET
fbem-17400	41	6	loan	loan	NOUN
fbem-17400	41	7	risk	risk	NOUN
fbem-17400	41	8	occurs	occur	VERB
fbem-17400	41	9	.	.	PUNCT
fbem-17400	42	1	3.4	3.4	NUM
fbem-17400	42	2	.	.	PUNCT
fbem-17400	43	1	systemic	systemic	ADJ
fbem-17400	43	2	risks	risk	NOUN
fbem-17400	43	3	of	of	ADP
fbem-17400	43	4	loans	loan	NOUN
fbem-17400	43	5	are	be	AUX
fbem-17400	43	6	still	still	ADV
fbem-17400	43	7	difficult	difficult	ADJ
fbem-17400	43	8	to	to	PART
fbem-17400	43	9	solve	solve	VERB
fbem-17400	43	10	loan	loan	NOUN
fbem-17400	43	11	risk	risk	NOUN
fbem-17400	43	12	can	can	AUX
fbem-17400	43	13	be	be	AUX
fbem-17400	43	14	divided	divide	VERB
fbem-17400	43	15	into	into	ADP
fbem-17400	43	16	unsystematic	unsystematic	ADJ
fbem-17400	43	17	risk	risk	NOUN
fbem-17400	43	18	and	and	CCONJ
fbem-17400	43	19	systemic	systemic	ADJ
fbem-17400	43	20	risk	risk	NOUN
fbem-17400	43	21	,	,	PUNCT
fbem-17400	43	22	and	and	CCONJ
fbem-17400	43	23	unsystematic	unsystematic	ADJ
fbem-17400	43	24	risk	risk	NOUN
fbem-17400	43	25	refers	refer	VERB
fbem-17400	43	26	to	to	ADP
fbem-17400	43	27	the	the	DET
fbem-17400	43	28	credit	credit	NOUN
fbem-17400	43	29	risk	risk	NOUN
fbem-17400	43	30	borne	bear	VERB
fbem-17400	43	31	by	by	ADP
fbem-17400	43	32	holding	hold	VERB
fbem-17400	43	33	a	a	DET
fbem-17400	43	34	loan	loan	NOUN
fbem-17400	43	35	or	or	CCONJ
fbem-17400	43	36	securities	security	NOUN
fbem-17400	43	37	of	of	ADP
fbem-17400	43	38	a	a	DET
fbem-17400	43	39	specific	specific	ADJ
fbem-17400	43	40	enterprise	enterprise	NOUN
fbem-17400	43	41	due	due	ADP
fbem-17400	43	42	to	to	ADP
fbem-17400	43	43	micro	micro	ADJ
fbem-17400	43	44	factors	factor	NOUN
fbem-17400	43	45	.	.	PUNCT
fbem-17400	44	1	unsystematic	unsystematic	ADJ
fbem-17400	44	2	risk	risk	NOUN
fbem-17400	44	3	can	can	AUX
fbem-17400	44	4	be	be	AUX
fbem-17400	44	5	mitigated	mitigate	VERB
fbem-17400	44	6	by	by	ADP
fbem-17400	44	7	diversifying	diversify	VERB
fbem-17400	44	8	your	your	PRON
fbem-17400	44	9	investments	investment	NOUN
fbem-17400	44	10	.	.	PUNCT
fbem-17400	45	1	systemic	systemic	ADJ
fbem-17400	45	2	risk	risk	NOUN
fbem-17400	45	3	refers	refer	VERB
fbem-17400	45	4	to	to	ADP
fbem-17400	45	5	the	the	DET
fbem-17400	45	6	risk	risk	NOUN
fbem-17400	45	7	that	that	SCONJ
fbem-17400	45	8	the	the	DET
fbem-17400	45	9	probability	probability	NOUN
fbem-17400	45	10	of	of	ADP
fbem-17400	45	11	default	default	NOUN
fbem-17400	45	12	of	of	ADP
fbem-17400	45	13	all	all	DET
fbem-17400	45	14	enterprises	enterprise	NOUN
fbem-17400	45	15	increases	increase	VERB
fbem-17400	45	16	at	at	ADP
fbem-17400	45	17	the	the	DET
fbem-17400	45	18	same	same	ADJ
fbem-17400	45	19	time	time	NOUN
fbem-17400	45	20	due	due	ADP
fbem-17400	45	21	to	to	ADP
fbem-17400	45	22	changes	change	NOUN
fbem-17400	45	23	in	in	ADP
fbem-17400	45	24	the	the	DET
fbem-17400	45	25	macroeconomic	macroeconomic	ADJ
fbem-17400	45	26	environment	environment	NOUN
fbem-17400	45	27	or	or	CCONJ
fbem-17400	45	28	the	the	DET
fbem-17400	45	29	occurrence	occurrence	NOUN
fbem-17400	45	30	of	of	ADP
fbem-17400	45	31	certain	certain	ADJ
fbem-17400	45	32	events	event	NOUN
fbem-17400	45	33	that	that	PRON
fbem-17400	45	34	have	have	VERB
fbem-17400	45	35	a	a	DET
fbem-17400	45	36	serious	serious	ADJ
fbem-17400	45	37	impact	impact	NOUN
fbem-17400	45	38	on	on	ADP
fbem-17400	45	39	the	the	DET
fbem-17400	45	40	real	real	ADJ
fbem-17400	45	41	economy	economy	NOUN
fbem-17400	45	42	/	/	SYM
fbem-17400	45	43	market	market	NOUN
fbem-17400	45	44	,	,	PUNCT
fbem-17400	45	45	such	such	ADJ
fbem-17400	45	46	as	as	ADP
fbem-17400	45	47	the	the	DET
fbem-17400	45	48	global	global	ADJ
fbem-17400	45	49	economic	economic	ADJ
fbem-17400	45	50	crisis	crisis	NOUN
fbem-17400	45	51	.	.	PUNCT
fbem-17400	46	1	therefore	therefore	ADV
fbem-17400	46	2	,	,	PUNCT
fbem-17400	46	3	the	the	DET
fbem-17400	46	4	systemic	systemic	ADJ
fbem-17400	46	5	risk	risk	NOUN
fbem-17400	46	6	of	of	ADP
fbem-17400	46	7	lending	lending	NOUN
fbem-17400	46	8	has	have	AUX
fbem-17400	46	9	not	not	PART
fbem-17400	46	10	been	be	AUX
fbem-17400	46	11	effectively	effectively	ADV
fbem-17400	46	12	addressed	address	VERB
fbem-17400	46	13	.	.	PUNCT
fbem-17400	47	1	4	4	X
fbem-17400	47	2	.	.	NOUN
fbem-17400	47	3	measures	measure	NOUN
fbem-17400	47	4	to	to	PART
fbem-17400	47	5	deal	deal	VERB
fbem-17400	47	6	with	with	ADP
fbem-17400	47	7	the	the	DET
fbem-17400	47	8	risk	risk	NOUN
fbem-17400	47	9	management	management	NOUN
fbem-17400	47	10	and	and	CCONJ
fbem-17400	47	11	control	control	NOUN
fbem-17400	47	12	of	of	ADP
fbem-17400	47	13	commercial	commercial	ADJ
fbem-17400	47	14	banks	bank	NOUN
fbem-17400	47	15	'	'	PART
fbem-17400	47	16	loans	loan	NOUN
fbem-17400	47	17	in	in	ADP
fbem-17400	47	18	order	order	NOUN
fbem-17400	47	19	to	to	PART
fbem-17400	47	20	ensure	ensure	VERB
fbem-17400	47	21	the	the	DET
fbem-17400	47	22	effective	effective	ADJ
fbem-17400	47	23	operation	operation	NOUN
fbem-17400	47	24	and	and	CCONJ
fbem-17400	47	25	standardized	standardized	ADJ
fbem-17400	47	26	management	management	NOUN
fbem-17400	47	27	of	of	ADP
fbem-17400	47	28	commercial	commercial	ADJ
fbem-17400	47	29	banks	bank	NOUN
fbem-17400	47	30	,	,	PUNCT
fbem-17400	47	31	and	and	CCONJ
fbem-17400	47	32	to	to	PART
fbem-17400	47	33	avoid	avoid	VERB
fbem-17400	47	34	and	and	CCONJ
fbem-17400	47	35	reduce	reduce	VERB
fbem-17400	47	36	the	the	DET
fbem-17400	47	37	impact	impact	NOUN
fbem-17400	47	38	of	of	ADP
fbem-17400	47	39	loan	loan	NOUN
fbem-17400	47	40	risks	risk	NOUN
fbem-17400	47	41	on	on	ADP
fbem-17400	47	42	the	the	DET
fbem-17400	47	43	operation	operation	NOUN
fbem-17400	47	44	and	and	CCONJ
fbem-17400	47	45	efficiency	efficiency	NOUN
fbem-17400	47	46	of	of	ADP
fbem-17400	47	47	commercial	commercial	ADJ
fbem-17400	47	48	banks	bank	NOUN
fbem-17400	47	49	as	as	ADV
fbem-17400	47	50	much	much	ADV
fbem-17400	47	51	as	as	ADP
fbem-17400	47	52	possible	possible	ADJ
fbem-17400	47	53	,	,	PUNCT
fbem-17400	47	54	this	this	DET
fbem-17400	47	55	paper	paper	NOUN
fbem-17400	47	56	gives	give	VERB
fbem-17400	47	57	the	the	DET
fbem-17400	47	58	following	follow	VERB
fbem-17400	47	59	suggestions	suggestion	NOUN
fbem-17400	47	60	:	:	PUNCT
fbem-17400	47	61	4.1	4.1	NUM
fbem-17400	47	62	.	.	PUNCT
fbem-17400	47	63	conduct	conduct	VERB
fbem-17400	47	64	a	a	DET
fbem-17400	47	65	bank	bank	NOUN
fbem-17400	47	66	customer	customer	NOUN
fbem-17400	47	67	qualification	qualification	NOUN
fbem-17400	47	68	assessment	assessment	NOUN
fbem-17400	47	69	for	for	ADP
fbem-17400	47	70	the	the	DET
fbem-17400	47	71	stable	stable	ADJ
fbem-17400	47	72	old	old	ADJ
fbem-17400	47	73	customer	customer	NOUN
fbem-17400	47	74	group	group	NOUN
fbem-17400	47	75	accumulated	accumulate	VERB
fbem-17400	47	76	over	over	ADP
fbem-17400	47	77	the	the	DET
fbem-17400	47	78	years	year	NOUN
fbem-17400	47	79	,	,	PUNCT
fbem-17400	47	80	the	the	DET
fbem-17400	47	81	bank	bank	NOUN
fbem-17400	47	82	should	should	AUX
fbem-17400	47	83	continue	continue	VERB
fbem-17400	47	84	to	to	PART
fbem-17400	47	85	maintain	maintain	VERB
fbem-17400	47	86	a	a	DET
fbem-17400	47	87	good	good	ADJ
fbem-17400	47	88	customer	customer	NOUN
fbem-17400	47	89	relationship	relationship	NOUN
fbem-17400	47	90	,	,	PUNCT
fbem-17400	47	91	and	and	CCONJ
fbem-17400	47	92	a	a	DET
fbem-17400	47	93	stable	stable	ADJ
fbem-17400	47	94	customer	customer	NOUN
fbem-17400	47	95	relationship	relationship	NOUN
fbem-17400	47	96	is	be	AUX
fbem-17400	47	97	an	an	DET
fbem-17400	47	98	important	important	ADJ
fbem-17400	47	99	resource	resource	NOUN
fbem-17400	47	100	for	for	ADP
fbem-17400	47	101	the	the	DET
fbem-17400	47	102	bank	bank	NOUN
fbem-17400	47	103	.	.	PUNCT
fbem-17400	48	1	banks	bank	NOUN
fbem-17400	48	2	tend	tend	VERB
fbem-17400	48	3	to	to	PART
fbem-17400	48	4	have	have	VERB
fbem-17400	48	5	a	a	DET
fbem-17400	48	6	more	more	ADV
fbem-17400	48	7	comprehensive	comprehensive	ADJ
fbem-17400	48	8	and	and	CCONJ
fbem-17400	48	9	accurate	accurate	ADJ
fbem-17400	48	10	grasp	grasp	NOUN
fbem-17400	48	11	of	of	ADP
fbem-17400	48	12	the	the	DET
fbem-17400	48	13	information	information	NOUN
fbem-17400	48	14	of	of	ADP
fbem-17400	48	15	stable	stable	ADJ
fbem-17400	48	16	old	old	ADJ
fbem-17400	48	17	customers	customer	NOUN
fbem-17400	48	18	,	,	PUNCT
fbem-17400	48	19	and	and	CCONJ
fbem-17400	48	20	are	be	AUX
fbem-17400	48	21	familiar	familiar	ADJ
fbem-17400	48	22	with	with	ADP
fbem-17400	48	23	their	their	PRON
fbem-17400	48	24	specific	specific	ADJ
fbem-17400	48	25	deposit	deposit	NOUN
fbem-17400	48	26	and	and	CCONJ
fbem-17400	48	27	loan	loan	NOUN
fbem-17400	48	28	conditions	condition	NOUN
fbem-17400	48	29	.	.	PUNCT
fbem-17400	49	1	for	for	ADP
fbem-17400	49	2	new	new	ADJ
fbem-17400	49	3	customer	customer	NOUN
fbem-17400	49	4	groups	group	NOUN
fbem-17400	49	5	,	,	PUNCT
fbem-17400	49	6	banks	bank	NOUN
fbem-17400	49	7	should	should	AUX
fbem-17400	49	8	strengthen	strengthen	VERB
fbem-17400	49	9	preloan	preloan	NOUN
fbem-17400	49	10	review	review	NOUN
fbem-17400	49	11	,	,	PUNCT
fbem-17400	49	12	comprehensively	comprehensively	ADV
fbem-17400	49	13	examine	examine	VERB
fbem-17400	49	14	and	and	CCONJ
fbem-17400	49	15	evaluate	evaluate	VERB
fbem-17400	49	16	the	the	DET
fbem-17400	49	17	development	development	NOUN
fbem-17400	49	18	status	status	NOUN
fbem-17400	49	19	and	and	CCONJ
fbem-17400	49	20	prospects	prospect	NOUN
fbem-17400	49	21	of	of	ADP
fbem-17400	49	22	customers	customer	NOUN
fbem-17400	49	23	in	in	ADP
fbem-17400	49	24	the	the	DET
fbem-17400	49	25	industry	industry	NOUN
fbem-17400	49	26	,	,	PUNCT
fbem-17400	49	27	and	and	CCONJ
fbem-17400	49	28	objectively	objectively	ADV
fbem-17400	49	29	assess	assess	VERB
fbem-17400	49	30	the	the	DET
fbem-17400	49	31	credit	credit	NOUN
fbem-17400	49	32	status	status	NOUN
fbem-17400	49	33	and	and	CCONJ
fbem-17400	49	34	solvency	solvency	NOUN
fbem-17400	49	35	of	of	ADP
fbem-17400	49	36	customers	customer	NOUN
fbem-17400	49	37	.	.	PUNCT
fbem-17400	50	1	form	form	VERB
fbem-17400	50	2	a	a	DET
fbem-17400	50	3	corresponding	correspond	VERB
fbem-17400	50	4	reward	reward	NOUN
fbem-17400	50	5	and	and	CCONJ
fbem-17400	50	6	punishment	punishment	NOUN
fbem-17400	50	7	mechanism	mechanism	NOUN
fbem-17400	50	8	,	,	PUNCT
fbem-17400	50	9	for	for	ADP
fbem-17400	50	10	enterprises	enterprise	NOUN
fbem-17400	50	11	that	that	PRON
fbem-17400	50	12	can	can	AUX
fbem-17400	50	13	repay	repay	VERB
fbem-17400	50	14	the	the	DET
fbem-17400	50	15	loan	loan	NOUN
fbem-17400	50	16	principal	principal	NOUN
fbem-17400	50	17	and	and	CCONJ
fbem-17400	50	18	interest	interest	NOUN
fbem-17400	50	19	on	on	ADP
fbem-17400	50	20	time	time	NOUN
fbem-17400	50	21	,	,	PUNCT
fbem-17400	50	22	they	they	PRON
fbem-17400	50	23	can	can	AUX
fbem-17400	50	24	give	give	VERB
fbem-17400	50	25	appropriate	appropriate	ADJ
fbem-17400	50	26	loan	loan	NOUN
fbem-17400	50	27	cooperation	cooperation	NOUN
fbem-17400	50	28	or	or	CCONJ
fbem-17400	50	29	loan	loan	NOUN
fbem-17400	50	30	commitments	commitment	NOUN
fbem-17400	50	31	,	,	PUNCT
fbem-17400	50	32	and	and	CCONJ
fbem-17400	50	33	appropriately	appropriately	ADV
fbem-17400	50	34	reduce	reduce	VERB
fbem-17400	50	35	the	the	DET
fbem-17400	50	36	loan	loan	NOUN
fbem-17400	50	37	interest	interest	NOUN
fbem-17400	50	38	rate	rate	NOUN
fbem-17400	50	39	to	to	PART
fbem-17400	50	40	lend	lend	VERB
fbem-17400	50	41	to	to	ADP
fbem-17400	50	42	them	they	PRON
fbem-17400	50	43	.	.	PUNCT
fbem-17400	51	1	for	for	ADP
fbem-17400	51	2	those	those	PRON
fbem-17400	51	3	who	who	PRON
fbem-17400	51	4	find	find	VERB
fbem-17400	51	5	it	it	PRON
fbem-17400	51	6	difficult	difficult	ADJ
fbem-17400	51	7	to	to	PART
fbem-17400	51	8	repay	repay	VERB
fbem-17400	51	9	the	the	DET
fbem-17400	51	10	loan	loan	NOUN
fbem-17400	51	11	on	on	ADP
fbem-17400	51	12	time	time	NOUN
fbem-17400	51	13	or	or	CCONJ
fbem-17400	51	14	even	even	ADV
fbem-17400	51	15	do	do	AUX
fbem-17400	51	16	not	not	PART
fbem-17400	51	17	repay	repay	VERB
fbem-17400	51	18	it	it	PRON
fbem-17400	51	19	,	,	PUNCT
fbem-17400	51	20	the	the	DET
fbem-17400	51	21	loan	loan	NOUN
fbem-17400	51	22	threshold	threshold	NOUN
fbem-17400	51	23	will	will	AUX
fbem-17400	51	24	be	be	AUX
fbem-17400	51	25	raised	raise	VERB
fbem-17400	51	26	or	or	CCONJ
fbem-17400	51	27	they	they	PRON
fbem-17400	51	28	will	will	AUX
fbem-17400	51	29	be	be	AUX
fbem-17400	51	30	included	include	VERB
fbem-17400	51	31	in	in	ADP
fbem-17400	51	32	the	the	DET
fbem-17400	51	33	list	list	NOUN
fbem-17400	51	34	of	of	ADP
fbem-17400	51	35	dishonest	dishonest	ADJ
fbem-17400	51	36	persons	person	NOUN
fbem-17400	51	37	,	,	PUNCT
fbem-17400	51	38	and	and	CCONJ
fbem-17400	51	39	they	they	PRON
fbem-17400	51	40	will	will	AUX
fbem-17400	51	41	be	be	AUX
fbem-17400	51	42	refused	refuse	VERB
fbem-17400	51	43	to	to	PART
fbem-17400	51	44	provide	provide	VERB
fbem-17400	51	45	loans	loan	NOUN
fbem-17400	51	46	again	again	ADV
fbem-17400	51	47	.	.	PUNCT
fbem-17400	52	1	4.2	4.2	NUM
fbem-17400	52	2	.	.	PUNCT
fbem-17400	53	1	commercial	commercial	ADJ
fbem-17400	53	2	banks	bank	NOUN
fbem-17400	53	3	should	should	AUX
fbem-17400	53	4	properly	properly	ADV
fbem-17400	53	5	control	control	VERB
fbem-17400	53	6	their	their	PRON
fbem-17400	53	7	own	own	ADJ
fbem-17400	53	8	capital	capital	NOUN
fbem-17400	53	9	liquidity	liquidity	NOUN
fbem-17400	53	10	and	and	CCONJ
fbem-17400	53	11	capital	capital	NOUN
fbem-17400	53	12	adequacy	adequacy	NOUN
fbem-17400	53	13	as	as	ADV
fbem-17400	53	14	far	far	ADV
fbem-17400	53	15	as	as	SCONJ
fbem-17400	53	16	commercial	commercial	ADJ
fbem-17400	53	17	banks	bank	NOUN
fbem-17400	53	18	are	be	AUX
fbem-17400	53	19	concerned	concern	VERB
fbem-17400	53	20	,	,	PUNCT
fbem-17400	53	21	"	"	PUNCT
fbem-17400	53	22	borrowing	borrow	VERB
fbem-17400	53	23	short	short	ADJ
fbem-17400	53	24	term	term	NOUN
fbem-17400	53	25	and	and	CCONJ
fbem-17400	53	26	lending	lending	NOUN
fbem-17400	53	27	long	long	ADJ
fbem-17400	53	28	term	term	NOUN
fbem-17400	53	29	"	"	PUNCT
fbem-17400	53	30	is	be	AUX
fbem-17400	53	31	a	a	DET
fbem-17400	53	32	distinctive	distinctive	ADJ
fbem-17400	53	33	feature	feature	NOUN
fbem-17400	53	34	of	of	ADP
fbem-17400	53	35	commercial	commercial	ADJ
fbem-17400	53	36	banks	bank	NOUN
fbem-17400	53	37	'	'	PART
fbem-17400	53	38	borrowing	borrowing	NOUN
fbem-17400	53	39	and	and	CCONJ
fbem-17400	53	40	lending	lending	NOUN
fbem-17400	53	41	business	business	NOUN
fbem-17400	53	42	.	.	PUNCT
fbem-17400	54	1	the	the	DET
fbem-17400	54	2	socalled	socalled	ADJ
fbem-17400	54	3	"	"	PUNCT
fbem-17400	54	4	borrowing	borrow	VERB
fbem-17400	54	5	short	short	ADJ
fbem-17400	54	6	term	term	NOUN
fbem-17400	54	7	and	and	CCONJ
fbem-17400	54	8	lending	lending	NOUN
fbem-17400	54	9	long	long	ADJ
fbem-17400	54	10	term	term	NOUN
fbem-17400	54	11	"	"	PUNCT
fbem-17400	54	12	refers	refer	VERB
fbem-17400	54	13	to	to	ADP
fbem-17400	54	14	the	the	DET
fbem-17400	54	15	fact	fact	NOUN
fbem-17400	54	16	that	that	SCONJ
fbem-17400	54	17	commercial	commercial	ADJ
fbem-17400	54	18	banks	bank	NOUN
fbem-17400	54	19	accept	accept	VERB
fbem-17400	54	20	short	short	ADJ
fbem-17400	54	21	-	-	PUNCT
fbem-17400	54	22	term	term	NOUN
fbem-17400	54	23	deposits	deposit	NOUN
fbem-17400	54	24	from	from	ADP
fbem-17400	54	25	depositors	depositor	NOUN
fbem-17400	54	26	for	for	ADP
fbem-17400	54	27	one	one	NUM
fbem-17400	54	28	year	year	NOUN
fbem-17400	54	29	or	or	CCONJ
fbem-17400	54	30	less	less	ADJ
fbem-17400	54	31	,	,	PUNCT
fbem-17400	54	32	and	and	CCONJ
fbem-17400	54	33	use	use	VERB
fbem-17400	54	34	these	these	DET
fbem-17400	54	35	deposit	deposit	NOUN
fbem-17400	54	36	funds	fund	NOUN
fbem-17400	54	37	for	for	ADP
fbem-17400	54	38	longer	long	ADJ
fbem-17400	54	39	-	-	PUNCT
fbem-17400	54	40	term	term	NOUN
fbem-17400	54	41	loans	loan	NOUN
fbem-17400	54	42	.	.	PUNCT
fbem-17400	55	1	some	some	DET
fbem-17400	55	2	commercial	commercial	ADJ
fbem-17400	55	3	banks	bank	NOUN
fbem-17400	55	4	pay	pay	VERB
fbem-17400	55	5	attention	attention	NOUN
fbem-17400	55	6	to	to	ADP
fbem-17400	55	7	the	the	DET
fbem-17400	55	8	high	high	ADJ
fbem-17400	55	9	returns	return	NOUN
fbem-17400	55	10	on	on	ADP
fbem-17400	55	11	the	the	DET
fbem-17400	55	12	surface	surface	NOUN
fbem-17400	55	13	,	,	PUNCT
fbem-17400	55	14	ignore	ignore	VERB
fbem-17400	55	15	liquidity	liquidity	NOUN
fbem-17400	55	16	management	management	NOUN
fbem-17400	55	17	,	,	PUNCT
fbem-17400	55	18	and	and	CCONJ
fbem-17400	55	19	use	use	VERB
fbem-17400	55	20	a	a	DET
fbem-17400	55	21	large	large	ADJ
fbem-17400	55	22	amount	amount	NOUN
fbem-17400	55	23	of	of	ADP
fbem-17400	55	24	funds	fund	NOUN
fbem-17400	55	25	for	for	ADP
fbem-17400	55	26	loans	loan	NOUN
fbem-17400	55	27	,	,	PUNCT
fbem-17400	55	28	which	which	PRON
fbem-17400	55	29	can	can	AUX
fbem-17400	55	30	easily	easily	ADV
fbem-17400	55	31	lead	lead	VERB
fbem-17400	55	32	to	to	ADP
fbem-17400	55	33	the	the	DET
fbem-17400	55	34	existence	existence	NOUN
fbem-17400	55	35	of	of	ADP
fbem-17400	55	36	risks	risk	NOUN
fbem-17400	55	37	such	such	ADJ
fbem-17400	55	38	as	as	ADP
fbem-17400	55	39	runs	run	NOUN
fbem-17400	55	40	.	.	PUNCT
fbem-17400	56	1	in	in	ADP
fbem-17400	56	2	terms	term	NOUN
fbem-17400	56	3	of	of	ADP
fbem-17400	56	4	liquidity	liquidity	NOUN
fbem-17400	56	5	management	management	NOUN
fbem-17400	56	6	:	:	PUNCT
fbem-17400	56	7	increase	increase	VERB
fbem-17400	56	8	reserves	reserve	NOUN
fbem-17400	56	9	with	with	ADP
fbem-17400	56	10	the	the	DET
fbem-17400	56	11	central	central	ADJ
fbem-17400	56	12	bank	bank	NOUN
fbem-17400	56	13	to	to	PART
fbem-17400	56	14	cushion	cushion	VERB
fbem-17400	56	15	the	the	DET
fbem-17400	56	16	risks	risk	NOUN
fbem-17400	56	17	faced	face	VERB
fbem-17400	56	18	.	.	PUNCT
fbem-17400	57	1	153	153	NUM
fbem-17400	57	2	in	in	ADP
fbem-17400	57	3	terms	term	NOUN
fbem-17400	57	4	of	of	ADP
fbem-17400	57	5	capital	capital	NOUN
fbem-17400	57	6	adequacy	adequacy	NOUN
fbem-17400	57	7	management	management	NOUN
fbem-17400	57	8	,	,	PUNCT
fbem-17400	57	9	commercial	commercial	ADJ
fbem-17400	57	10	banks	bank	NOUN
fbem-17400	57	11	should	should	AUX
fbem-17400	57	12	appropriately	appropriately	ADV
fbem-17400	57	13	increase	increase	VERB
fbem-17400	57	14	their	their	PRON
fbem-17400	57	15	capital	capital	NOUN
fbem-17400	57	16	stock	stock	NOUN
fbem-17400	57	17	as	as	ADP
fbem-17400	57	18	a	a	DET
fbem-17400	57	19	necessary	necessary	ADJ
fbem-17400	57	20	buffer	buffer	NOUN
fbem-17400	57	21	to	to	PART
fbem-17400	57	22	absorb	absorb	VERB
fbem-17400	57	23	potential	potential	ADJ
fbem-17400	57	24	losses	loss	NOUN
fbem-17400	57	25	.	.	PUNCT
fbem-17400	58	1	it	it	PRON
fbem-17400	58	2	is	be	AUX
fbem-17400	58	3	true	true	ADJ
fbem-17400	58	4	that	that	SCONJ
fbem-17400	58	5	commercial	commercial	ADJ
fbem-17400	58	6	banks	bank	NOUN
fbem-17400	58	7	will	will	AUX
fbem-17400	58	8	indeed	indeed	ADV
fbem-17400	58	9	sacrifice	sacrifice	VERB
fbem-17400	58	10	the	the	DET
fbem-17400	58	11	opportunity	opportunity	NOUN
fbem-17400	58	12	to	to	PART
fbem-17400	58	13	gain	gain	VERB
fbem-17400	58	14	benefits	benefit	NOUN
fbem-17400	58	15	by	by	ADP
fbem-17400	58	16	improving	improve	VERB
fbem-17400	58	17	their	their	PRON
fbem-17400	58	18	own	own	ADJ
fbem-17400	58	19	liquidity	liquidity	NOUN
fbem-17400	58	20	.	.	PUNCT
fbem-17400	59	1	however	however	ADV
fbem-17400	59	2	,	,	PUNCT
fbem-17400	59	3	in	in	ADP
fbem-17400	59	4	the	the	DET
fbem-17400	59	5	face	face	NOUN
fbem-17400	59	6	of	of	ADP
fbem-17400	59	7	external	external	ADJ
fbem-17400	59	8	risks	risk	NOUN
fbem-17400	59	9	,	,	PUNCT
fbem-17400	59	10	it	it	PRON
fbem-17400	59	11	is	be	AUX
fbem-17400	59	12	indeed	indeed	ADV
fbem-17400	59	13	an	an	DET
fbem-17400	59	14	effective	effective	ADJ
fbem-17400	59	15	measure	measure	NOUN
fbem-17400	59	16	to	to	PART
fbem-17400	59	17	improve	improve	VERB
fbem-17400	59	18	their	their	PRON
fbem-17400	59	19	own	own	ADJ
fbem-17400	59	20	ability	ability	NOUN
fbem-17400	59	21	to	to	PART
fbem-17400	59	22	resist	resist	VERB
fbem-17400	59	23	risks	risk	NOUN
fbem-17400	59	24	,	,	PUNCT
fbem-17400	59	25	so	so	SCONJ
fbem-17400	59	26	commercial	commercial	ADJ
fbem-17400	59	27	banks	bank	NOUN
fbem-17400	59	28	themselves	themselves	PRON
fbem-17400	59	29	should	should	AUX
fbem-17400	59	30	also	also	ADV
fbem-17400	59	31	make	make	VERB
fbem-17400	59	32	a	a	DET
fbem-17400	59	33	rational	rational	ADJ
fbem-17400	59	34	trade	trade	NOUN
fbem-17400	59	35	-	-	PUNCT
fbem-17400	59	36	off	off	NOUN
fbem-17400	59	37	between	between	ADP
fbem-17400	59	38	benefits	benefit	NOUN
fbem-17400	59	39	and	and	CCONJ
fbem-17400	59	40	security	security	NOUN
fbem-17400	59	41	.	.	PUNCT
fbem-17400	60	1	commercial	commercial	ADJ
fbem-17400	60	2	banks	bank	NOUN
fbem-17400	60	3	themselves	themselves	PRON
fbem-17400	60	4	should	should	AUX
fbem-17400	60	5	also	also	ADV
fbem-17400	60	6	regularly	regularly	ADV
fbem-17400	60	7	send	send	VERB
fbem-17400	60	8	good	good	ADJ
fbem-17400	60	9	signals	signal	NOUN
fbem-17400	60	10	to	to	ADP
fbem-17400	60	11	the	the	DET
fbem-17400	60	12	market	market	NOUN
fbem-17400	60	13	,	,	PUNCT
fbem-17400	60	14	and	and	CCONJ
fbem-17400	60	15	the	the	DET
fbem-17400	60	16	reason	reason	NOUN
fbem-17400	60	17	why	why	SCONJ
fbem-17400	60	18	credit	credit	NOUN
fbem-17400	60	19	risk	risk	NOUN
fbem-17400	60	20	occurs	occur	VERB
fbem-17400	60	21	is	be	AUX
fbem-17400	60	22	also	also	ADV
fbem-17400	60	23	determined	determine	VERB
fbem-17400	60	24	by	by	ADP
fbem-17400	60	25	the	the	DET
fbem-17400	60	26	confidence	confidence	NOUN
fbem-17400	60	27	of	of	ADP
fbem-17400	60	28	depositors	depositor	NOUN
fbem-17400	60	29	and	and	CCONJ
fbem-17400	60	30	lenders	lender	NOUN
fbem-17400	60	31	in	in	ADP
fbem-17400	60	32	commercial	commercial	ADJ
fbem-17400	60	33	banks	bank	NOUN
fbem-17400	60	34	.	.	PUNCT
fbem-17400	61	1	4.3	4.3	NUM
fbem-17400	61	2	.	.	PUNCT
fbem-17400	61	3	improve	improve	VERB
fbem-17400	61	4	the	the	DET
fbem-17400	61	5	pre	pre	ADJ
fbem-17400	61	6	-	-	ADJ
fbem-17400	61	7	loan	loan	ADJ
fbem-17400	61	8	investigation	investigation	NOUN
fbem-17400	61	9	mechanism	mechanism	NOUN
fbem-17400	61	10	to	to	PART
fbem-17400	61	11	improve	improve	VERB
fbem-17400	61	12	the	the	DET
fbem-17400	61	13	understanding	understanding	NOUN
fbem-17400	61	14	of	of	ADP
fbem-17400	61	15	pre	pre	ADJ
fbem-17400	61	16	-	-	ADJ
fbem-17400	61	17	loan	loan	ADJ
fbem-17400	61	18	information	information	NOUN
fbem-17400	61	19	in	in	ADP
fbem-17400	61	20	view	view	NOUN
fbem-17400	61	21	of	of	ADP
fbem-17400	61	22	the	the	DET
fbem-17400	61	23	above	above	ADV
fbem-17400	61	24	-	-	PUNCT
fbem-17400	61	25	mentioned	mention	VERB
fbem-17400	61	26	credit	credit	NOUN
fbem-17400	61	27	risks	risk	NOUN
fbem-17400	61	28	caused	cause	VERB
fbem-17400	61	29	by	by	ADP
fbem-17400	61	30	information	information	NOUN
fbem-17400	61	31	asymmetry	asymmetry	NOUN
fbem-17400	61	32	,	,	PUNCT
fbem-17400	61	33	it	it	PRON
fbem-17400	61	34	is	be	AUX
fbem-17400	61	35	very	very	ADV
fbem-17400	61	36	important	important	ADJ
fbem-17400	61	37	to	to	PART
fbem-17400	61	38	prevent	prevent	VERB
fbem-17400	61	39	adverse	adverse	ADJ
fbem-17400	61	40	selection	selection	NOUN
fbem-17400	61	41	in	in	ADP
fbem-17400	61	42	the	the	DET
fbem-17400	61	43	early	early	ADJ
fbem-17400	61	44	stage	stage	NOUN
fbem-17400	61	45	.	.	PUNCT
fbem-17400	62	1	to	to	PART
fbem-17400	62	2	know	know	VERB
fbem-17400	62	3	the	the	DET
fbem-17400	62	4	authenticity	authenticity	NOUN
fbem-17400	62	5	of	of	ADP
fbem-17400	62	6	the	the	DET
fbem-17400	62	7	lender	lender	NOUN
fbem-17400	62	8	's	's	PART
fbem-17400	62	9	information	information	NOUN
fbem-17400	62	10	before	before	ADP
fbem-17400	62	11	the	the	DET
fbem-17400	62	12	loan	loan	NOUN
fbem-17400	62	13	.	.	PUNCT
fbem-17400	63	1	it	it	PRON
fbem-17400	63	2	can	can	AUX
fbem-17400	63	3	be	be	AUX
fbem-17400	63	4	done	do	VERB
fbem-17400	63	5	in	in	ADP
fbem-17400	63	6	the	the	DET
fbem-17400	63	7	following	following	ADJ
fbem-17400	63	8	ways	way	NOUN
fbem-17400	63	9	:	:	PUNCT
fbem-17400	63	10	(	(	PUNCT
fbem-17400	63	11	1	1	X
fbem-17400	63	12	)	)	PUNCT
fbem-17400	63	13	in	in	ADP
fbem-17400	63	14	the	the	DET
fbem-17400	63	15	credit	credit	NOUN
fbem-17400	63	16	assessment	assessment	NOUN
fbem-17400	63	17	,	,	PUNCT
fbem-17400	63	18	it	it	PRON
fbem-17400	63	19	is	be	AUX
fbem-17400	63	20	necessary	necessary	ADJ
fbem-17400	63	21	to	to	PART
fbem-17400	63	22	comprehensively	comprehensively	ADV
fbem-17400	63	23	review	review	VERB
fbem-17400	63	24	the	the	DET
fbem-17400	63	25	application	application	NOUN
fbem-17400	63	26	conditions	condition	NOUN
fbem-17400	63	27	,	,	PUNCT
fbem-17400	63	28	qualifications	qualification	NOUN
fbem-17400	63	29	,	,	PUNCT
fbem-17400	63	30	repayment	repayment	NOUN
fbem-17400	63	31	ability	ability	NOUN
fbem-17400	63	32	and	and	CCONJ
fbem-17400	63	33	willingness	willingness	NOUN
fbem-17400	63	34	of	of	ADP
fbem-17400	63	35	credit	credit	NOUN
fbem-17400	63	36	applicants	applicant	NOUN
fbem-17400	63	37	,	,	PUNCT
fbem-17400	63	38	as	as	ADV
fbem-17400	63	39	well	well	ADV
fbem-17400	63	40	as	as	ADP
fbem-17400	63	41	financial	financial	ADJ
fbem-17400	63	42	statements	statement	NOUN
fbem-17400	63	43	,	,	PUNCT
fbem-17400	63	44	and	and	CCONJ
fbem-17400	63	45	commercial	commercial	ADJ
fbem-17400	63	46	banks	bank	NOUN
fbem-17400	63	47	should	should	AUX
fbem-17400	63	48	pay	pay	VERB
fbem-17400	63	49	attention	attention	NOUN
fbem-17400	63	50	to	to	ADP
fbem-17400	63	51	the	the	DET
fbem-17400	63	52	study	study	NOUN
fbem-17400	63	53	of	of	ADP
fbem-17400	63	54	corresponding	correspond	VERB
fbem-17400	63	55	indicators	indicator	NOUN
fbem-17400	63	56	such	such	ADJ
fbem-17400	63	57	as	as	ADP
fbem-17400	63	58	cash	cash	NOUN
fbem-17400	63	59	flow	flow	NOUN
fbem-17400	63	60	;	;	PUNCT
fbem-17400	63	61	according	accord	VERB
fbem-17400	63	62	to	to	ADP
fbem-17400	63	63	the	the	DET
fbem-17400	63	64	relationship	relationship	NOUN
fbem-17400	63	65	between	between	ADP
fbem-17400	63	66	the	the	DET
fbem-17400	63	67	balance	balance	NOUN
fbem-17400	63	68	sheet	sheet	NOUN
fbem-17400	63	69	,	,	PUNCT
fbem-17400	63	70	income	income	NOUN
fbem-17400	63	71	statement	statement	NOUN
fbem-17400	63	72	,	,	PUNCT
fbem-17400	63	73	cash	cash	NOUN
fbem-17400	63	74	flow	flow	NOUN
fbem-17400	63	75	statement	statement	NOUN
fbem-17400	63	76	and	and	CCONJ
fbem-17400	63	77	other	other	ADJ
fbem-17400	63	78	financial	financial	ADJ
fbem-17400	63	79	statements	statement	NOUN
fbem-17400	63	80	,	,	PUNCT
fbem-17400	63	81	ensure	ensure	VERB
fbem-17400	63	82	that	that	SCONJ
fbem-17400	63	83	the	the	DET
fbem-17400	63	84	report	report	NOUN
fbem-17400	63	85	information	information	NOUN
fbem-17400	63	86	is	be	AUX
fbem-17400	63	87	accurate	accurate	ADJ
fbem-17400	63	88	and	and	CCONJ
fbem-17400	63	89	fully	fully	ADV
fbem-17400	63	90	grasp	grasp	VERB
fbem-17400	63	91	the	the	DET
fbem-17400	63	92	accurate	accurate	ADJ
fbem-17400	63	93	information	information	NOUN
fbem-17400	63	94	that	that	PRON
fbem-17400	63	95	can	can	AUX
fbem-17400	63	96	be	be	AUX
fbem-17400	63	97	grasped	grasp	VERB
fbem-17400	63	98	.	.	PUNCT
fbem-17400	64	1	(	(	PUNCT
fbem-17400	64	2	2	2	X
fbem-17400	64	3	)	)	PUNCT
fbem-17400	64	4	focus	focus	NOUN
fbem-17400	64	5	on	on	ADP
fbem-17400	64	6	verifying	verify	VERB
fbem-17400	64	7	whether	whether	SCONJ
fbem-17400	64	8	there	there	PRON
fbem-17400	64	9	is	be	VERB
fbem-17400	64	10	an	an	DET
fbem-17400	64	11	obvious	obvious	ADJ
fbem-17400	64	12	or	or	CCONJ
fbem-17400	64	13	implicit	implicit	ADJ
fbem-17400	64	14	relationship	relationship	NOUN
fbem-17400	64	15	between	between	ADP
fbem-17400	64	16	the	the	DET
fbem-17400	64	17	business	business	NOUN
fbem-17400	64	18	unit	unit	NOUN
fbem-17400	64	19	of	of	ADP
fbem-17400	64	20	the	the	DET
fbem-17400	64	21	lending	lending	NOUN
fbem-17400	64	22	enterprise	enterprise	NOUN
fbem-17400	64	23	and	and	CCONJ
fbem-17400	64	24	others	other	NOUN
fbem-17400	64	25	;	;	PUNCT
fbem-17400	64	26	verify	verify	VERB
fbem-17400	64	27	the	the	DET
fbem-17400	64	28	authenticity	authenticity	NOUN
fbem-17400	64	29	of	of	ADP
fbem-17400	64	30	the	the	DET
fbem-17400	64	31	company	company	NOUN
fbem-17400	64	32	's	's	PART
fbem-17400	64	33	transaction	transaction	NOUN
fbem-17400	64	34	information	information	NOUN
fbem-17400	64	35	,	,	PUNCT
fbem-17400	64	36	business	business	NOUN
fbem-17400	64	37	changes	change	NOUN
fbem-17400	64	38	and	and	CCONJ
fbem-17400	64	39	capital	capital	NOUN
fbem-17400	64	40	flows	flow	NOUN
fbem-17400	64	41	.	.	PUNCT
fbem-17400	65	1	(	(	PUNCT
fbem-17400	65	2	3	3	X
fbem-17400	65	3	)	)	PUNCT
fbem-17400	65	4	adopt	adopt	VERB
fbem-17400	65	5	a	a	DET
fbem-17400	65	6	variety	variety	NOUN
fbem-17400	65	7	of	of	ADP
fbem-17400	65	8	ways	way	NOUN
fbem-17400	65	9	and	and	CCONJ
fbem-17400	65	10	methods	method	NOUN
fbem-17400	65	11	to	to	PART
fbem-17400	65	12	improve	improve	VERB
fbem-17400	65	13	the	the	DET
fbem-17400	65	14	authenticity	authenticity	NOUN
fbem-17400	65	15	of	of	ADP
fbem-17400	65	16	the	the	DET
fbem-17400	65	17	investigation	investigation	NOUN
fbem-17400	65	18	.	.	PUNCT
fbem-17400	66	1	utilize	utilize	VERB
fbem-17400	66	2	a	a	DET
fbem-17400	66	3	variety	variety	NOUN
fbem-17400	66	4	of	of	ADP
fbem-17400	66	5	analysis	analysis	NOUN
fbem-17400	66	6	models	model	NOUN
fbem-17400	66	7	to	to	PART
fbem-17400	66	8	analyze	analyze	VERB
fbem-17400	66	9	the	the	DET
fbem-17400	66	10	future	future	ADJ
fbem-17400	66	11	development	development	NOUN
fbem-17400	66	12	path	path	NOUN
fbem-17400	66	13	of	of	ADP
fbem-17400	66	14	the	the	DET
fbem-17400	66	15	company	company	NOUN
fbem-17400	66	16	.	.	PUNCT
fbem-17400	67	1	in	in	ADP
fbem-17400	67	2	addition	addition	NOUN
fbem-17400	67	3	to	to	ADP
fbem-17400	67	4	paying	pay	VERB
fbem-17400	67	5	attention	attention	NOUN
fbem-17400	67	6	to	to	ADP
fbem-17400	67	7	the	the	DET
fbem-17400	67	8	regular	regular	ADJ
fbem-17400	67	9	financial	financial	ADJ
fbem-17400	67	10	data	datum	NOUN
fbem-17400	67	11	,	,	PUNCT
fbem-17400	67	12	we	we	PRON
fbem-17400	67	13	should	should	AUX
fbem-17400	67	14	also	also	ADV
fbem-17400	67	15	focus	focus	VERB
fbem-17400	67	16	on	on	ADP
fbem-17400	67	17	observing	observe	VERB
fbem-17400	67	18	and	and	CCONJ
fbem-17400	67	19	analyzing	analyze	VERB
fbem-17400	67	20	the	the	DET
fbem-17400	67	21	non	non	ADJ
fbem-17400	67	22	-	-	ADJ
fbem-17400	67	23	financial	financial	ADJ
fbem-17400	67	24	information	information	NOUN
fbem-17400	67	25	of	of	ADP
fbem-17400	67	26	the	the	DET
fbem-17400	67	27	enterprise	enterprise	NOUN
fbem-17400	67	28	,	,	PUNCT
fbem-17400	67	29	that	that	ADV
fbem-17400	67	30	is	is	ADV
fbem-17400	67	31	,	,	PUNCT
fbem-17400	67	32	"	"	PUNCT
fbem-17400	67	33	soft	soft	ADJ
fbem-17400	67	34	information	information	NOUN
fbem-17400	67	35	"	"	PUNCT
fbem-17400	67	36	,	,	PUNCT
fbem-17400	67	37	and	and	CCONJ
fbem-17400	67	38	collect	collect	VERB
fbem-17400	67	39	all	all	DET
fbem-17400	67	40	the	the	DET
fbem-17400	67	41	observable	observable	ADJ
fbem-17400	67	42	data	datum	NOUN
fbem-17400	67	43	as	as	ADV
fbem-17400	67	44	much	much	ADV
fbem-17400	67	45	as	as	ADP
fbem-17400	67	46	possible	possible	ADJ
fbem-17400	67	47	to	to	PART
fbem-17400	67	48	understand	understand	VERB
fbem-17400	67	49	the	the	DET
fbem-17400	67	50	overall	overall	ADJ
fbem-17400	67	51	situation	situation	NOUN
fbem-17400	67	52	of	of	ADP
fbem-17400	67	53	the	the	DET
fbem-17400	67	54	enterprise	enterprise	NOUN
fbem-17400	67	55	's	's	PART
fbem-17400	67	56	operation	operation	NOUN
fbem-17400	67	57	more	more	ADV
fbem-17400	67	58	comprehensively	comprehensively	ADV
fbem-17400	67	59	and	and	CCONJ
fbem-17400	67	60	truthfully	truthfully	ADV
fbem-17400	67	61	.	.	PUNCT
fbem-17400	68	1	4.4	4.4	NUM
fbem-17400	68	2	.	.	PUNCT
fbem-17400	69	1	strengthen	strengthen	VERB
fbem-17400	69	2	post	post	ADJ
fbem-17400	69	3	-	-	ADJ
fbem-17400	69	4	loan	loan	ADJ
fbem-17400	69	5	follow	follow	NOUN
fbem-17400	69	6	-	-	PUNCT
fbem-17400	69	7	up	up	ADP
fbem-17400	69	8	management	management	NOUN
fbem-17400	69	9	(	(	PUNCT
fbem-17400	69	10	1	1	NUM
fbem-17400	69	11	)	)	PUNCT
fbem-17400	69	12	to	to	PART
fbem-17400	69	13	change	change	VERB
fbem-17400	69	14	the	the	DET
fbem-17400	69	15	awareness	awareness	NOUN
fbem-17400	69	16	of	of	ADP
fbem-17400	69	17	"	"	PUNCT
fbem-17400	69	18	heavy	heavy	ADJ
fbem-17400	69	19	lending	lending	NOUN
fbem-17400	69	20	and	and	CCONJ
fbem-17400	69	21	light	light	ADJ
fbem-17400	69	22	management	management	NOUN
fbem-17400	69	23	"	"	PUNCT
fbem-17400	69	24	,	,	PUNCT
fbem-17400	69	25	the	the	DET
fbem-17400	69	26	pre	pre	ADJ
fbem-17400	69	27	-	-	ADJ
fbem-17400	69	28	loan	loan	ADJ
fbem-17400	69	29	information	information	NOUN
fbem-17400	69	30	search	search	NOUN
fbem-17400	69	31	and	and	CCONJ
fbem-17400	69	32	post	post	ADJ
fbem-17400	69	33	-	-	ADJ
fbem-17400	69	34	loan	loan	ADJ
fbem-17400	69	35	supervision	supervision	NOUN
fbem-17400	69	36	and	and	CCONJ
fbem-17400	69	37	control	control	NOUN
fbem-17400	69	38	should	should	AUX
fbem-17400	69	39	be	be	AUX
fbem-17400	69	40	placed	place	VERB
fbem-17400	69	41	in	in	ADP
fbem-17400	69	42	the	the	DET
fbem-17400	69	43	same	same	ADJ
fbem-17400	69	44	important	important	ADJ
fbem-17400	69	45	position	position	NOUN
fbem-17400	69	46	.	.	PUNCT
fbem-17400	70	1	with	with	ADP
fbem-17400	70	2	the	the	DET
fbem-17400	70	3	rapid	rapid	ADJ
fbem-17400	70	4	development	development	NOUN
fbem-17400	70	5	of	of	ADP
fbem-17400	70	6	scientific	scientific	ADJ
fbem-17400	70	7	and	and	CCONJ
fbem-17400	70	8	technological	technological	ADJ
fbem-17400	70	9	information	information	NOUN
fbem-17400	70	10	in	in	ADP
fbem-17400	70	11	today	today	NOUN
fbem-17400	70	12	's	's	PART
fbem-17400	70	13	world	world	NOUN
fbem-17400	70	14	,	,	PUNCT
fbem-17400	70	15	science	science	NOUN
fbem-17400	70	16	and	and	CCONJ
fbem-17400	70	17	technology	technology	NOUN
fbem-17400	70	18	finance	finance	NOUN
fbem-17400	70	19	has	have	AUX
fbem-17400	70	20	become	become	VERB
fbem-17400	70	21	a	a	DET
fbem-17400	70	22	new	new	ADJ
fbem-17400	70	23	trend	trend	NOUN
fbem-17400	70	24	in	in	ADP
fbem-17400	70	25	the	the	DET
fbem-17400	70	26	development	development	NOUN
fbem-17400	70	27	of	of	ADP
fbem-17400	70	28	the	the	DET
fbem-17400	70	29	financial	financial	ADJ
fbem-17400	70	30	system	system	NOUN
fbem-17400	70	31	.	.	PUNCT
fbem-17400	71	1	commercial	commercial	ADJ
fbem-17400	71	2	banks	bank	NOUN
fbem-17400	71	3	should	should	AUX
fbem-17400	71	4	seize	seize	VERB
fbem-17400	71	5	the	the	DET
fbem-17400	71	6	opportunity	opportunity	NOUN
fbem-17400	71	7	of	of	ADP
fbem-17400	71	8	technological	technological	ADJ
fbem-17400	71	9	development	development	NOUN
fbem-17400	71	10	,	,	PUNCT
fbem-17400	71	11	actively	actively	ADV
fbem-17400	71	12	apply	apply	VERB
fbem-17400	71	13	financial	financial	ADJ
fbem-17400	71	14	technology	technology	NOUN
fbem-17400	71	15	,	,	PUNCT
fbem-17400	71	16	strengthen	strengthen	VERB
fbem-17400	71	17	the	the	DET
fbem-17400	71	18	quality	quality	NOUN
fbem-17400	71	19	of	of	ADP
fbem-17400	71	20	post	post	ADJ
fbem-17400	71	21	-	-	ADJ
fbem-17400	71	22	loan	loan	ADJ
fbem-17400	71	23	supervision	supervision	NOUN
fbem-17400	71	24	,	,	PUNCT
fbem-17400	71	25	and	and	CCONJ
fbem-17400	71	26	improve	improve	VERB
fbem-17400	71	27	the	the	DET
fbem-17400	71	28	efficiency	efficiency	NOUN
fbem-17400	71	29	of	of	ADP
fbem-17400	71	30	financial	financial	ADJ
fbem-17400	71	31	credit	credit	NOUN
fbem-17400	71	32	.	.	PUNCT
fbem-17400	72	1	(	(	PUNCT
fbem-17400	72	2	2	2	X
fbem-17400	72	3	)	)	PUNCT
fbem-17400	72	4	commercial	commercial	ADJ
fbem-17400	72	5	banks	bank	NOUN
fbem-17400	72	6	should	should	AUX
fbem-17400	72	7	strengthen	strengthen	VERB
fbem-17400	72	8	the	the	DET
fbem-17400	72	9	supervision	supervision	NOUN
fbem-17400	72	10	of	of	ADP
fbem-17400	72	11	borrowers	borrower	NOUN
fbem-17400	72	12	'	'	PART
fbem-17400	72	13	accounts	account	NOUN
fbem-17400	72	14	and	and	CCONJ
fbem-17400	72	15	supervise	supervise	VERB
fbem-17400	72	16	the	the	DET
fbem-17400	72	17	changes	change	NOUN
fbem-17400	72	18	in	in	ADP
fbem-17400	72	19	borrowers	borrower	NOUN
fbem-17400	72	20	'	'	PART
fbem-17400	72	21	accounts	account	NOUN
fbem-17400	72	22	.	.	PUNCT
fbem-17400	73	1	when	when	SCONJ
fbem-17400	73	2	there	there	PRON
fbem-17400	73	3	is	be	VERB
fbem-17400	73	4	a	a	DET
fbem-17400	73	5	large	large	ADJ
fbem-17400	73	6	-	-	PUNCT
fbem-17400	73	7	scale	scale	NOUN
fbem-17400	73	8	change	change	NOUN
fbem-17400	73	9	in	in	ADP
fbem-17400	73	10	the	the	DET
fbem-17400	73	11	amount	amount	NOUN
fbem-17400	73	12	,	,	PUNCT
fbem-17400	73	13	banks	bank	NOUN
fbem-17400	73	14	should	should	AUX
fbem-17400	73	15	be	be	AUX
fbem-17400	73	16	vigilant	vigilant	ADJ
fbem-17400	73	17	and	and	CCONJ
fbem-17400	73	18	take	take	VERB
fbem-17400	73	19	appropriate	appropriate	ADJ
fbem-17400	73	20	action	action	NOUN
fbem-17400	73	21	.	.	PUNCT
fbem-17400	74	1	(	(	PUNCT
fbem-17400	74	2	3	3	X
fbem-17400	74	3	)	)	PUNCT
fbem-17400	74	4	the	the	DET
fbem-17400	74	5	collateral	collateral	NOUN
fbem-17400	74	6	can	can	AUX
fbem-17400	74	7	be	be	AUX
fbem-17400	74	8	used	use	VERB
fbem-17400	74	9	as	as	ADP
fbem-17400	74	10	security	security	NOUN
fbem-17400	74	11	for	for	ADP
fbem-17400	74	12	the	the	DET
fbem-17400	74	13	loan	loan	NOUN
fbem-17400	74	14	to	to	PART
fbem-17400	74	15	reduce	reduce	VERB
fbem-17400	74	16	the	the	DET
fbem-17400	74	17	risk	risk	NOUN
fbem-17400	74	18	of	of	ADP
fbem-17400	74	19	the	the	DET
fbem-17400	74	20	loan	loan	NOUN
fbem-17400	74	21	,	,	PUNCT
fbem-17400	74	22	and	and	CCONJ
fbem-17400	74	23	if	if	SCONJ
fbem-17400	74	24	the	the	DET
fbem-17400	74	25	lender	lender	NOUN
fbem-17400	74	26	is	be	AUX
fbem-17400	74	27	unable	unable	ADJ
fbem-17400	74	28	to	to	PART
fbem-17400	74	29	repay	repay	VERB
fbem-17400	74	30	the	the	DET
fbem-17400	74	31	loan	loan	NOUN
fbem-17400	74	32	on	on	ADP
fbem-17400	74	33	a	a	DET
fbem-17400	74	34	regular	regular	ADJ
fbem-17400	74	35	basis	basis	NOUN
fbem-17400	74	36	,	,	PUNCT
fbem-17400	74	37	the	the	DET
fbem-17400	74	38	lending	lending	NOUN
fbem-17400	74	39	institution	institution	NOUN
fbem-17400	74	40	can	can	AUX
fbem-17400	74	41	auction	auction	VERB
fbem-17400	74	42	or	or	CCONJ
fbem-17400	74	43	sell	sell	VERB
fbem-17400	74	44	the	the	DET
fbem-17400	74	45	collateral	collateral	NOUN
fbem-17400	74	46	to	to	PART
fbem-17400	74	47	recover	recover	VERB
fbem-17400	74	48	the	the	DET
fbem-17400	74	49	outstanding	outstanding	ADJ
fbem-17400	74	50	loan	loan	NOUN
fbem-17400	74	51	amount	amount	NOUN
fbem-17400	74	52	in	in	ADP
fbem-17400	74	53	accordance	accordance	NOUN
fbem-17400	74	54	with	with	ADP
fbem-17400	74	55	the	the	DET
fbem-17400	74	56	terms	term	NOUN
fbem-17400	74	57	of	of	ADP
fbem-17400	74	58	the	the	DET
fbem-17400	74	59	contract	contract	NOUN
fbem-17400	74	60	.	.	PUNCT
fbem-17400	75	1	therefore	therefore	ADV
fbem-17400	75	2	,	,	PUNCT
fbem-17400	75	3	for	for	ADP
fbem-17400	75	4	special	special	ADJ
fbem-17400	75	5	types	type	NOUN
fbem-17400	75	6	of	of	ADP
fbem-17400	75	7	loans	loan	NOUN
fbem-17400	75	8	,	,	PUNCT
fbem-17400	75	9	increasing	increase	VERB
fbem-17400	75	10	the	the	DET
fbem-17400	75	11	collateral	collateral	ADJ
fbem-17400	75	12	amount	amount	NOUN
fbem-17400	75	13	of	of	ADP
fbem-17400	75	14	the	the	DET
fbem-17400	75	15	loan	loan	NOUN
fbem-17400	75	16	is	be	AUX
fbem-17400	75	17	also	also	ADV
fbem-17400	75	18	a	a	DET
fbem-17400	75	19	wise	wise	ADJ
fbem-17400	75	20	move	move	NOUN
fbem-17400	75	21	to	to	PART
fbem-17400	75	22	reduce	reduce	VERB
fbem-17400	75	23	the	the	DET
fbem-17400	75	24	loan	loan	NOUN
fbem-17400	75	25	risk	risk	NOUN
fbem-17400	75	26	.	.	PUNCT
fbem-17400	76	1	4.5	4.5	NUM
fbem-17400	76	2	.	.	PUNCT
fbem-17400	77	1	strengthen	strengthen	VERB
fbem-17400	77	2	the	the	DET
fbem-17400	77	3	construction	construction	NOUN
fbem-17400	77	4	of	of	ADP
fbem-17400	77	5	internal	internal	ADJ
fbem-17400	77	6	control	control	NOUN
fbem-17400	77	7	of	of	ADP
fbem-17400	77	8	commercial	commercial	ADJ
fbem-17400	77	9	banks	bank	NOUN
fbem-17400	77	10	and	and	CCONJ
fbem-17400	77	11	improve	improve	VERB
fbem-17400	77	12	the	the	DET
fbem-17400	77	13	monitoring	monitoring	NOUN
fbem-17400	77	14	and	and	CCONJ
fbem-17400	77	15	control	control	NOUN
fbem-17400	77	16	system	system	NOUN
fbem-17400	77	17	(	(	PUNCT
fbem-17400	77	18	1	1	X
fbem-17400	77	19	)	)	PUNCT
fbem-17400	77	20	when	when	SCONJ
fbem-17400	77	21	handling	handle	VERB
fbem-17400	77	22	credit	credit	NOUN
fbem-17400	77	23	business	business	NOUN
fbem-17400	77	24	,	,	PUNCT
fbem-17400	77	25	strictly	strictly	ADV
fbem-17400	77	26	implement	implement	VERB
fbem-17400	77	27	the	the	DET
fbem-17400	77	28	internal	internal	ADJ
fbem-17400	77	29	control	control	NOUN
fbem-17400	77	30	system	system	NOUN
fbem-17400	77	31	,	,	PUNCT
fbem-17400	77	32	business	business	NOUN
fbem-17400	77	33	process	process	NOUN
fbem-17400	77	34	,	,	PUNCT
fbem-17400	77	35	and	and	CCONJ
fbem-17400	77	36	post	post	VERB
fbem-17400	77	37	authority	authority	NOUN
fbem-17400	77	38	standards	standard	NOUN
fbem-17400	77	39	,	,	PUNCT
fbem-17400	77	40	strengthen	strengthen	VERB
fbem-17400	77	41	the	the	DET
fbem-17400	77	42	internal	internal	ADJ
fbem-17400	77	43	containment	containment	NOUN
fbem-17400	77	44	mechanism	mechanism	NOUN
fbem-17400	77	45	for	for	ADP
fbem-17400	77	46	incompatible	incompatible	ADJ
fbem-17400	77	47	positions	position	NOUN
fbem-17400	77	48	,	,	PUNCT
fbem-17400	77	49	implement	implement	VERB
fbem-17400	77	50	risk	risk	NOUN
fbem-17400	77	51	management	management	NOUN
fbem-17400	77	52	and	and	CCONJ
fbem-17400	77	53	control	control	NOUN
fbem-17400	77	54	over	over	ADP
fbem-17400	77	55	the	the	DET
fbem-17400	77	56	entire	entire	ADJ
fbem-17400	77	57	business	business	NOUN
fbem-17400	77	58	process	process	NOUN
fbem-17400	77	59	,	,	PUNCT
fbem-17400	77	60	and	and	CCONJ
fbem-17400	77	61	prevent	prevent	VERB
fbem-17400	77	62	the	the	DET
fbem-17400	77	63	occurrence	occurrence	NOUN
fbem-17400	77	64	of	of	ADP
fbem-17400	77	65	violations	violation	NOUN
fbem-17400	77	66	.	.	PUNCT
fbem-17400	78	1	(	(	PUNCT
fbem-17400	78	2	2	2	X
fbem-17400	78	3	)	)	PUNCT
fbem-17400	78	4	implement	implement	VERB
fbem-17400	78	5	the	the	DET
fbem-17400	78	6	system	system	NOUN
fbem-17400	78	7	of	of	ADP
fbem-17400	78	8	separating	separate	VERB
fbem-17400	78	9	the	the	DET
fbem-17400	78	10	examination	examination	NOUN
fbem-17400	78	11	and	and	CCONJ
fbem-17400	78	12	approval	approval	NOUN
fbem-17400	78	13	of	of	ADP
fbem-17400	78	14	loans	loan	NOUN
fbem-17400	78	15	,	,	PUNCT
fbem-17400	78	16	implement	implement	VERB
fbem-17400	78	17	the	the	DET
fbem-17400	78	18	review	review	NOUN
fbem-17400	78	19	and	and	CCONJ
fbem-17400	78	20	approval	approval	NOUN
fbem-17400	78	21	powers	power	NOUN
fbem-17400	78	22	of	of	ADP
fbem-17400	78	23	loans	loan	NOUN
fbem-17400	78	24	to	to	ADP
fbem-17400	78	25	different	different	ADJ
fbem-17400	78	26	functional	functional	ADJ
fbem-17400	78	27	departments	department	NOUN
fbem-17400	78	28	,	,	PUNCT
fbem-17400	78	29	clarify	clarify	VERB
fbem-17400	78	30	the	the	DET
fbem-17400	78	31	work	work	NOUN
fbem-17400	78	32	scope	scope	NOUN
fbem-17400	78	33	,	,	PUNCT
fbem-17400	78	34	job	job	NOUN
fbem-17400	78	35	responsibilities	responsibility	NOUN
fbem-17400	78	36	and	and	CCONJ
fbem-17400	78	37	work	work	NOUN
fbem-17400	78	38	authority	authority	NOUN
fbem-17400	78	39	of	of	ADP
fbem-17400	78	40	the	the	DET
fbem-17400	78	41	loan	loan	NOUN
fbem-17400	78	42	review	review	PROPN
fbem-17400	78	43	department	department	NOUN
fbem-17400	78	44	and	and	CCONJ
fbem-17400	78	45	the	the	DET
fbem-17400	78	46	loan	loan	NOUN
fbem-17400	78	47	approval	approval	NOUN
fbem-17400	78	48	department	department	NOUN
fbem-17400	78	49	,	,	PUNCT
fbem-17400	78	50	and	and	CCONJ
fbem-17400	78	51	improve	improve	VERB
fbem-17400	78	52	the	the	DET
fbem-17400	78	53	quality	quality	NOUN
fbem-17400	78	54	of	of	ADP
fbem-17400	78	55	work	work	NOUN
fbem-17400	78	56	.	.	PUNCT
fbem-17400	79	1	4.6	4.6	NUM
fbem-17400	79	2	.	.	PUNCT
fbem-17400	79	3	cultivate	cultivate	VERB
fbem-17400	79	4	professional	professional	ADJ
fbem-17400	79	5	ethics	ethic	NOUN
fbem-17400	79	6	of	of	ADP
fbem-17400	79	7	employees	employee	NOUN
fbem-17400	79	8	banks	bank	NOUN
fbem-17400	79	9	are	be	AUX
fbem-17400	79	10	important	important	ADJ
fbem-17400	79	11	members	member	NOUN
fbem-17400	79	12	of	of	ADP
fbem-17400	79	13	the	the	DET
fbem-17400	79	14	financial	financial	ADJ
fbem-17400	79	15	system	system	NOUN
fbem-17400	79	16	,	,	PUNCT
fbem-17400	79	17	and	and	CCONJ
fbem-17400	79	18	bank	bank	NOUN
fbem-17400	79	19	staff	staff	NOUN
fbem-17400	79	20	must	must	AUX
fbem-17400	79	21	have	have	VERB
fbem-17400	79	22	good	good	ADJ
fbem-17400	79	23	moral	moral	ADJ
fbem-17400	79	24	standards	standard	NOUN
fbem-17400	79	25	and	and	CCONJ
fbem-17400	79	26	professional	professional	ADJ
fbem-17400	79	27	ethics	ethic	NOUN
fbem-17400	79	28	,	,	PUNCT
fbem-17400	79	29	and	and	CCONJ
fbem-17400	79	30	have	have	VERB
fbem-17400	79	31	strong	strong	ADJ
fbem-17400	79	32	self	self	NOUN
fbem-17400	79	33	-	-	PUNCT
fbem-17400	79	34	restraint	restraint	NOUN
fbem-17400	79	35	and	and	CCONJ
fbem-17400	79	36	self	self	NOUN
fbem-17400	79	37	-	-	PUNCT
fbem-17400	79	38	control	control	NOUN
fbem-17400	79	39	capabilities	capability	NOUN
fbem-17400	79	40	.	.	PUNCT
fbem-17400	80	1	to	to	PART
fbem-17400	80	2	cultivate	cultivate	VERB
fbem-17400	80	3	good	good	ADJ
fbem-17400	80	4	professional	professional	ADJ
fbem-17400	80	5	ethics	ethic	NOUN
fbem-17400	80	6	of	of	ADP
fbem-17400	80	7	employees	employee	NOUN
fbem-17400	80	8	,	,	PUNCT
fbem-17400	80	9	it	it	PRON
fbem-17400	80	10	is	be	AUX
fbem-17400	80	11	necessary	necessary	ADJ
fbem-17400	80	12	to	to	PART
fbem-17400	80	13	comprehensively	comprehensively	ADV
fbem-17400	80	14	improve	improve	VERB
fbem-17400	80	15	the	the	DET
fbem-17400	80	16	quality	quality	NOUN
fbem-17400	80	17	of	of	ADP
fbem-17400	80	18	employees	employee	NOUN
fbem-17400	80	19	from	from	ADP
fbem-17400	80	20	the	the	DET
fbem-17400	80	21	aspects	aspect	NOUN
fbem-17400	80	22	of	of	ADP
fbem-17400	80	23	morality	morality	NOUN
fbem-17400	80	24	,	,	PUNCT
fbem-17400	80	25	legal	legal	ADJ
fbem-17400	80	26	system	system	NOUN
fbem-17400	80	27	and	and	CCONJ
fbem-17400	80	28	business	business	NOUN
fbem-17400	80	29	.	.	PUNCT
fbem-17400	81	1	let	let	VERB
fbem-17400	81	2	employees	employee	NOUN
fbem-17400	81	3	understand	understand	VERB
fbem-17400	81	4	legal	legal	ADJ
fbem-17400	81	5	knowledge	knowledge	NOUN
fbem-17400	81	6	and	and	CCONJ
fbem-17400	81	7	financial	financial	ADJ
fbem-17400	81	8	knowledge	knowledge	NOUN
fbem-17400	81	9	,	,	PUNCT
fbem-17400	81	10	and	and	CCONJ
fbem-17400	81	11	truly	truly	ADV
fbem-17400	81	12	know	know	VERB
fbem-17400	81	13	and	and	CCONJ
fbem-17400	81	14	respect	respect	NOUN
fbem-17400	81	15	,	,	PUNCT
fbem-17400	81	16	guard	guard	NOUN
fbem-17400	81	17	against	against	ADP
fbem-17400	81	18	fear	fear	NOUN
fbem-17400	81	19	,	,	PUNCT
fbem-17400	81	20	and	and	CCONJ
fbem-17400	81	21	abide	abide	VERB
fbem-17400	81	22	by	by	ADP
fbem-17400	81	23	the	the	DET
fbem-17400	81	24	bottom	bottom	ADJ
fbem-17400	81	25	line	line	NOUN
fbem-17400	81	26	;	;	PUNCT
fbem-17400	81	27	comprehensively	comprehensively	ADV
fbem-17400	81	28	enhance	enhance	VERB
fbem-17400	81	29	the	the	DET
fbem-17400	81	30	employees	employee	NOUN
fbem-17400	81	31	'	'	PART
fbem-17400	81	32	awareness	awareness	NOUN
fbem-17400	81	33	of	of	ADP
fbem-17400	81	34	the	the	DET
fbem-17400	81	35	rules	rule	NOUN
fbem-17400	81	36	of	of	ADP
fbem-17400	81	37	"	"	PUNCT
fbem-17400	81	38	do	do	AUX
fbem-17400	81	39	n't	not	PART
fbem-17400	81	40	want	want	VERB
fbem-17400	81	41	to	to	PART
fbem-17400	81	42	do	do	VERB
fbem-17400	81	43	,	,	PUNCT
fbem-17400	81	44	dare	dare	VERB
fbem-17400	81	45	not	not	PART
fbem-17400	81	46	do	do	VERB
fbem-17400	81	47	,	,	PUNCT
fbem-17400	81	48	and	and	CCONJ
fbem-17400	81	49	ca	can	AUX
fbem-17400	81	50	n't	not	PART
fbem-17400	81	51	do	do	VERB
fbem-17400	81	52	"	"	PUNCT
fbem-17400	81	53	,	,	PUNCT
fbem-17400	81	54	and	and	CCONJ
fbem-17400	81	55	establish	establish	VERB
fbem-17400	81	56	a	a	DET
fbem-17400	81	57	good	good	ADJ
fbem-17400	81	58	atmosphere	atmosphere	NOUN
fbem-17400	81	59	of	of	ADP
fbem-17400	81	60	integrity	integrity	NOUN
fbem-17400	81	61	,	,	PUNCT
fbem-17400	81	62	honesty	honesty	NOUN
fbem-17400	81	63	and	and	CCONJ
fbem-17400	81	64	selfdiscipline	selfdiscipline	ADJ
fbem-17400	81	65	,	,	PUNCT
fbem-17400	81	66	and	and	CCONJ
fbem-17400	81	67	disciplined	discipline	VERB
fbem-17400	81	68	management	management	NOUN
fbem-17400	81	69	;	;	PUNCT
fbem-17400	81	70	banks	bank	NOUN
fbem-17400	81	71	should	should	AUX
fbem-17400	81	72	also	also	ADV
fbem-17400	81	73	improve	improve	VERB
fbem-17400	81	74	the	the	DET
fbem-17400	81	75	post	post	NOUN
fbem-17400	81	76	responsibility	responsibility	NOUN
fbem-17400	81	77	system	system	NOUN
fbem-17400	81	78	,	,	PUNCT
fbem-17400	81	79	which	which	PRON
fbem-17400	81	80	is	be	AUX
fbem-17400	81	81	mainly	mainly	ADV
fbem-17400	81	82	interpreted	interpret	VERB
fbem-17400	81	83	from	from	ADP
fbem-17400	81	84	two	two	NUM
fbem-17400	81	85	aspects	aspect	NOUN
fbem-17400	81	86	.	.	PUNCT
fbem-17400	82	1	on	on	ADP
fbem-17400	82	2	the	the	DET
fbem-17400	82	3	one	one	NUM
fbem-17400	82	4	hand	hand	NOUN
fbem-17400	82	5	,	,	PUNCT
fbem-17400	82	6	the	the	DET
fbem-17400	82	7	responsibility	responsibility	NOUN
fbem-17400	82	8	should	should	AUX
fbem-17400	82	9	be	be	AUX
fbem-17400	82	10	assigned	assign	VERB
fbem-17400	82	11	to	to	ADP
fbem-17400	82	12	every	every	DET
fbem-17400	82	13	department	department	NOUN
fbem-17400	82	14	and	and	CCONJ
fbem-17400	82	15	every	every	DET
fbem-17400	82	16	person	person	NOUN
fbem-17400	82	17	to	to	PART
fbem-17400	82	18	prevent	prevent	VERB
fbem-17400	82	19	the	the	DET
fbem-17400	82	20	occurrence	occurrence	NOUN
fbem-17400	82	21	of	of	ADP
fbem-17400	82	22	illegal	illegal	ADJ
fbem-17400	82	23	phenomena	phenomenon	NOUN
fbem-17400	82	24	.	.	PUNCT
fbem-17400	83	1	on	on	ADP
fbem-17400	83	2	the	the	DET
fbem-17400	83	3	other	other	ADJ
fbem-17400	83	4	hand	hand	NOUN
fbem-17400	83	5	,	,	PUNCT
fbem-17400	83	6	banks	bank	NOUN
fbem-17400	83	7	need	need	VERB
fbem-17400	83	8	to	to	PART
fbem-17400	83	9	avoid	avoid	VERB
fbem-17400	83	10	delegating	delegate	VERB
fbem-17400	83	11	multiple	multiple	ADJ
fbem-17400	83	12	tasks	task	NOUN
fbem-17400	83	13	to	to	ADP
fbem-17400	83	14	one	one	NUM
fbem-17400	83	15	person	person	NOUN
fbem-17400	83	16	;	;	PUNCT
fbem-17400	83	17	or	or	CCONJ
fbem-17400	83	18	put	put	VERB
fbem-17400	83	19	multiple	multiple	ADJ
fbem-17400	83	20	tasks	task	NOUN
fbem-17400	83	21	in	in	ADP
fbem-17400	83	22	the	the	DET
fbem-17400	83	23	hands	hand	NOUN
fbem-17400	83	24	of	of	ADP
fbem-17400	83	25	people	people	NOUN
fbem-17400	83	26	who	who	PRON
fbem-17400	83	27	are	be	AUX
fbem-17400	83	28	closely	closely	ADV
fbem-17400	83	29	connected	connect	VERB
fbem-17400	83	30	.	.	PUNCT
fbem-17400	84	1	4.7	4.7	NUM
fbem-17400	84	2	.	.	PUNCT
fbem-17400	84	3	clarify	clarify	VERB
fbem-17400	84	4	its	its	PRON
fbem-17400	84	5	own	own	ADJ
fbem-17400	84	6	market	market	NOUN
fbem-17400	84	7	positioning	positioning	NOUN
fbem-17400	84	8	and	and	CCONJ
fbem-17400	84	9	carry	carry	VERB
fbem-17400	84	10	out	out	ADP
fbem-17400	84	11	high	high	ADJ
fbem-17400	84	12	-	-	PUNCT
fbem-17400	84	13	quality	quality	NOUN
fbem-17400	84	14	cooperation	cooperation	NOUN
fbem-17400	84	15	there	there	PRON
fbem-17400	84	16	is	be	VERB
fbem-17400	84	17	also	also	ADV
fbem-17400	84	18	a	a	DET
fbem-17400	84	19	correlation	correlation	NOUN
fbem-17400	84	20	between	between	ADP
fbem-17400	84	21	the	the	DET
fbem-17400	84	22	market	market	NOUN
fbem-17400	84	23	positioning	positioning	NOUN
fbem-17400	84	24	of	of	ADP
fbem-17400	84	25	commercial	commercial	ADJ
fbem-17400	84	26	banks	bank	NOUN
fbem-17400	84	27	and	and	CCONJ
fbem-17400	84	28	the	the	DET
fbem-17400	84	29	business	business	NOUN
fbem-17400	84	30	they	they	PRON
fbem-17400	84	31	carry	carry	VERB
fbem-17400	84	32	out	out	ADP
fbem-17400	84	33	.	.	PUNCT
fbem-17400	85	1	commercial	commercial	ADJ
fbem-17400	85	2	banks	bank	NOUN
fbem-17400	85	3	should	should	AUX
fbem-17400	85	4	clarify	clarify	VERB
fbem-17400	85	5	their	their	PRON
fbem-17400	85	6	market	market	NOUN
fbem-17400	85	7	positioning	positioning	NOUN
fbem-17400	85	8	,	,	PUNCT
fbem-17400	85	9	and	and	CCONJ
fbem-17400	85	10	at	at	ADP
fbem-17400	85	11	the	the	DET
fbem-17400	85	12	same	same	ADJ
fbem-17400	85	13	time	time	NOUN
fbem-17400	85	14	understand	understand	VERB
fbem-17400	85	15	the	the	DET
fbem-17400	85	16	information	information	NOUN
fbem-17400	85	17	of	of	ADP
fbem-17400	85	18	the	the	DET
fbem-17400	85	19	enterprise	enterprise	NOUN
fbem-17400	85	20	,	,	PUNCT
fbem-17400	85	21	they	they	PRON
fbem-17400	85	22	should	should	AUX
fbem-17400	85	23	also	also	ADV
fbem-17400	85	24	clarify	clarify	VERB
fbem-17400	85	25	the	the	DET
fbem-17400	85	26	development	development	NOUN
fbem-17400	85	27	direction	direction	NOUN
fbem-17400	85	28	and	and	CCONJ
fbem-17400	85	29	audience	audience	NOUN
fbem-17400	85	30	of	of	ADP
fbem-17400	85	31	their	their	PRON
fbem-17400	85	32	own	own	ADJ
fbem-17400	85	33	new	new	ADJ
fbem-17400	85	34	products	product	NOUN
fbem-17400	85	35	.	.	PUNCT
fbem-17400	86	1	commercial	commercial	ADJ
fbem-17400	86	2	banks	bank	NOUN
fbem-17400	86	3	can	can	AUX
fbem-17400	86	4	strengthen	strengthen	VERB
fbem-17400	86	5	exchanges	exchange	NOUN
fbem-17400	86	6	and	and	CCONJ
fbem-17400	86	7	cooperation	cooperation	NOUN
fbem-17400	86	8	with	with	ADP
fbem-17400	86	9	current	current	ADJ
fbem-17400	86	10	projects	project	NOUN
fbem-17400	86	11	supported	support	VERB
fbem-17400	86	12	by	by	ADP
fbem-17400	86	13	the	the	DET
fbem-17400	86	14	state	state	NOUN
fbem-17400	86	15	and	and	CCONJ
fbem-17400	86	16	society	society	NOUN
fbem-17400	86	17	,	,	PUNCT
fbem-17400	86	18	such	such	ADJ
fbem-17400	86	19	as	as	ADP
fbem-17400	86	20	cooperation	cooperation	NOUN
fbem-17400	86	21	and	and	CCONJ
fbem-17400	86	22	exchanges	exchange	NOUN
fbem-17400	86	23	with	with	ADP
fbem-17400	86	24	green	green	ADJ
fbem-17400	86	25	industries	industry	NOUN
fbem-17400	86	26	and	and	CCONJ
fbem-17400	86	27	new	new	ADJ
fbem-17400	86	28	energy	energy	NOUN
fbem-17400	86	29	industries	industry	NOUN
fbem-17400	86	30	,	,	PUNCT
fbem-17400	86	31	which	which	PRON
fbem-17400	86	32	is	be	AUX
fbem-17400	86	33	also	also	ADV
fbem-17400	86	34	an	an	DET
fbem-17400	86	35	effective	effective	ADJ
fbem-17400	86	36	way	way	NOUN
fbem-17400	86	37	to	to	PART
fbem-17400	86	38	avoid	avoid	VERB
fbem-17400	86	39	credit	credit	NOUN
fbem-17400	86	40	risks	risk	NOUN
fbem-17400	86	41	.	.	PUNCT
fbem-17400	87	1	5	5	X
fbem-17400	87	2	.	.	X
fbem-17400	87	3	summary	summary	NOUN
fbem-17400	87	4	in	in	ADP
fbem-17400	87	5	china	china	PROPN
fbem-17400	87	6	's	's	PART
fbem-17400	87	7	financial	financial	ADJ
fbem-17400	87	8	market	market	NOUN
fbem-17400	87	9	,	,	PUNCT
fbem-17400	87	10	commercial	commercial	ADJ
fbem-17400	87	11	banks	bank	NOUN
fbem-17400	87	12	play	play	VERB
fbem-17400	87	13	an	an	DET
fbem-17400	87	14	important	important	ADJ
fbem-17400	87	15	role	role	NOUN
fbem-17400	87	16	in	in	ADP
fbem-17400	87	17	stimulating	stimulate	VERB
fbem-17400	87	18	market	market	NOUN
fbem-17400	87	19	vitality	vitality	NOUN
fbem-17400	87	20	and	and	CCONJ
fbem-17400	87	21	promoting	promote	VERB
fbem-17400	87	22	social	social	ADJ
fbem-17400	87	23	and	and	CCONJ
fbem-17400	87	24	economic	economic	ADJ
fbem-17400	87	25	development	development	NOUN
fbem-17400	87	26	.	.	PUNCT
fbem-17400	88	1	at	at	ADP
fbem-17400	88	2	present	present	ADJ
fbem-17400	88	3	,	,	PUNCT
fbem-17400	88	4	china	china	PROPN
fbem-17400	88	5	's	's	PART
fbem-17400	88	6	154	154	NUM
fbem-17400	88	7	financial	financial	ADJ
fbem-17400	88	8	market	market	NOUN
fbem-17400	88	9	has	have	AUX
fbem-17400	88	10	been	be	AUX
fbem-17400	88	11	gradually	gradually	ADV
fbem-17400	88	12	improving	improve	VERB
fbem-17400	88	13	,	,	PUNCT
fbem-17400	88	14	and	and	CCONJ
fbem-17400	88	15	the	the	DET
fbem-17400	88	16	adaptability	adaptability	NOUN
fbem-17400	88	17	of	of	ADP
fbem-17400	88	18	the	the	DET
fbem-17400	88	19	socialist	socialist	ADJ
fbem-17400	88	20	market	market	NOUN
fbem-17400	88	21	economic	economic	ADJ
fbem-17400	88	22	system	system	NOUN
fbem-17400	88	23	supporting	support	VERB
fbem-17400	88	24	it	it	PRON
fbem-17400	88	25	is	be	AUX
fbem-17400	88	26	also	also	ADV
fbem-17400	88	27	constantly	constantly	ADV
fbem-17400	88	28	developing	develop	VERB
fbem-17400	88	29	.	.	PUNCT
fbem-17400	89	1	at	at	ADP
fbem-17400	89	2	the	the	DET
fbem-17400	89	3	same	same	ADJ
fbem-17400	89	4	time	time	NOUN
fbem-17400	89	5	,	,	PUNCT
fbem-17400	89	6	commercial	commercial	ADJ
fbem-17400	89	7	banks	bank	NOUN
fbem-17400	89	8	will	will	AUX
fbem-17400	89	9	also	also	ADV
fbem-17400	89	10	encounter	encounter	VERB
fbem-17400	89	11	many	many	ADJ
fbem-17400	89	12	new	new	ADJ
fbem-17400	89	13	problems	problem	NOUN
fbem-17400	89	14	and	and	CCONJ
fbem-17400	89	15	unknown	unknown	ADJ
fbem-17400	89	16	dangers	danger	NOUN
fbem-17400	89	17	in	in	ADP
fbem-17400	89	18	the	the	DET
fbem-17400	89	19	process	process	NOUN
fbem-17400	89	20	of	of	ADP
fbem-17400	89	21	development	development	NOUN
fbem-17400	89	22	.	.	PUNCT
fbem-17400	90	1	commercial	commercial	ADJ
fbem-17400	90	2	bank	bank	PROPN
fbem-17400	90	3	loan	loan	NOUN
fbem-17400	90	4	risk	risk	NOUN
fbem-17400	90	5	is	be	AUX
fbem-17400	90	6	a	a	DET
fbem-17400	90	7	normal	normal	ADJ
fbem-17400	90	8	manifestation	manifestation	NOUN
fbem-17400	90	9	of	of	ADP
fbem-17400	90	10	financial	financial	ADJ
fbem-17400	90	11	risk	risk	NOUN
fbem-17400	90	12	.	.	PUNCT
fbem-17400	91	1	therefore	therefore	ADV
fbem-17400	91	2	,	,	PUNCT
fbem-17400	91	3	it	it	PRON
fbem-17400	91	4	is	be	AUX
fbem-17400	91	5	necessary	necessary	ADJ
fbem-17400	91	6	to	to	PART
fbem-17400	91	7	strengthen	strengthen	VERB
fbem-17400	91	8	the	the	DET
fbem-17400	91	9	analysis	analysis	NOUN
fbem-17400	91	10	and	and	CCONJ
fbem-17400	91	11	research	research	NOUN
fbem-17400	91	12	of	of	ADP
fbem-17400	91	13	commercial	commercial	ADJ
fbem-17400	91	14	banks	bank	NOUN
fbem-17400	91	15	'	'	PART
fbem-17400	91	16	loan	loan	NOUN
fbem-17400	91	17	risks	risk	NOUN
fbem-17400	91	18	,	,	PUNCT
fbem-17400	91	19	establish	establish	VERB
fbem-17400	91	20	an	an	DET
fbem-17400	91	21	effective	effective	ADJ
fbem-17400	91	22	risk	risk	NOUN
fbem-17400	91	23	prevention	prevention	NOUN
fbem-17400	91	24	and	and	CCONJ
fbem-17400	91	25	early	early	ADJ
fbem-17400	91	26	warning	warning	NOUN
fbem-17400	91	27	system	system	NOUN
fbem-17400	91	28	,	,	PUNCT
fbem-17400	91	29	and	and	CCONJ
fbem-17400	91	30	carry	carry	VERB
fbem-17400	91	31	out	out	ADP
fbem-17400	91	32	scientific	scientific	ADJ
fbem-17400	91	33	and	and	CCONJ
fbem-17400	91	34	effective	effective	ADJ
fbem-17400	91	35	risk	risk	NOUN
fbem-17400	91	36	management	management	NOUN
fbem-17400	91	37	and	and	CCONJ
fbem-17400	91	38	control	control	NOUN
fbem-17400	91	39	,	,	PUNCT
fbem-17400	91	40	so	so	SCONJ
fbem-17400	91	41	as	as	SCONJ
fbem-17400	91	42	to	to	PART
fbem-17400	91	43	achieve	achieve	VERB
fbem-17400	91	44	the	the	DET
fbem-17400	91	45	greatest	great	ADJ
fbem-17400	91	46	degree	degree	NOUN
fbem-17400	91	47	of	of	ADP
fbem-17400	91	48	control	control	NOUN
fbem-17400	91	49	and	and	CCONJ
fbem-17400	91	50	reduce	reduce	VERB
fbem-17400	91	51	the	the	DET
fbem-17400	91	52	losses	loss	NOUN
fbem-17400	91	53	caused	cause	VERB
fbem-17400	91	54	by	by	ADP
fbem-17400	91	55	risks	risk	NOUN
fbem-17400	91	56	.	.	PUNCT
fbem-17400	92	1	analyzing	analyze	VERB
fbem-17400	92	2	and	and	CCONJ
fbem-17400	92	3	studying	study	VERB
fbem-17400	92	4	how	how	SCONJ
fbem-17400	92	5	to	to	PART
fbem-17400	92	6	prevent	prevent	VERB
fbem-17400	92	7	and	and	CCONJ
fbem-17400	92	8	control	control	VERB
fbem-17400	92	9	the	the	DET
fbem-17400	92	10	loan	loan	NOUN
fbem-17400	92	11	risks	risk	NOUN
fbem-17400	92	12	of	of	ADP
fbem-17400	92	13	commercial	commercial	ADJ
fbem-17400	92	14	banks	bank	NOUN
fbem-17400	92	15	is	be	AUX
fbem-17400	92	16	of	of	ADP
fbem-17400	92	17	great	great	ADJ
fbem-17400	92	18	significance	significance	NOUN
fbem-17400	92	19	to	to	ADP
fbem-17400	92	20	improving	improve	VERB
fbem-17400	92	21	the	the	DET
fbem-17400	92	22	overall	overall	ADJ
fbem-17400	92	23	strength	strength	NOUN
fbem-17400	92	24	of	of	ADP
fbem-17400	92	25	commercial	commercial	ADJ
fbem-17400	92	26	banks	bank	NOUN
fbem-17400	92	27	,	,	PUNCT
fbem-17400	92	28	enhancing	enhance	VERB
fbem-17400	92	29	their	their	PRON
fbem-17400	92	30	competitiveness	competitiveness	NOUN
fbem-17400	92	31	in	in	ADP
fbem-17400	92	32	the	the	DET
fbem-17400	92	33	financial	financial	ADJ
fbem-17400	92	34	market	market	NOUN
fbem-17400	92	35	,	,	PUNCT
fbem-17400	92	36	and	and	CCONJ
fbem-17400	92	37	promoting	promote	VERB
fbem-17400	92	38	the	the	DET
fbem-17400	92	39	healthy	healthy	ADJ
fbem-17400	92	40	development	development	NOUN
fbem-17400	92	41	of	of	ADP
fbem-17400	92	42	the	the	DET
fbem-17400	92	43	financial	financial	ADJ
fbem-17400	92	44	industry	industry	NOUN
fbem-17400	92	45	.	.	PUNCT
fbem-17400	93	1	references	reference	NOUN
fbem-17400	93	2	[	[	X
fbem-17400	93	3	1	1	NUM
fbem-17400	93	4	]	]	X
fbem-17400	93	5	peng	peng	PROPN
fbem-17400	93	6	yun	yun	PROPN
fbem-17400	93	7	.	.	PUNCT
fbem-17400	94	1	causes	cause	NOUN
fbem-17400	94	2	and	and	CCONJ
fbem-17400	94	3	solutions	solution	NOUN
fbem-17400	94	4	of	of	ADP
fbem-17400	94	5	commercial	commercial	ADJ
fbem-17400	94	6	bank	bank	PROPN
fbem-17400	94	7	loan	loan	NOUN
fbem-17400	94	8	risk	risk	NOUN
fbem-17400	95	1	[	[	X
fbem-17400	95	2	j	j	X
fbem-17400	95	3	]	]	X
fbem-17400	95	4	.	.	PUNCT
fbem-17400	96	1	china	china	PROPN
fbem-17400	96	2	business	business	PROPN
fbem-17400	96	3	theory,2019(01):37	theory,2019(01):37	PROPN
fbem-17400	96	4	-	-	PUNCT
fbem-17400	96	5	38	38	NUM
fbem-17400	96	6	.	.	PUNCT
fbem-17400	97	1	[	[	X
fbem-17400	97	2	2	2	NUM
fbem-17400	97	3	]	]	PUNCT
fbem-17400	97	4	haishui	haishui	PROPN
fbem-17400	97	5	shi	shi	PROPN
fbem-17400	97	6	.	.	PUNCT
fbem-17400	97	7	analysis	analysis	NOUN
fbem-17400	97	8	of	of	ADP
fbem-17400	97	9	post	post	NOUN
fbem-17400	97	10	loan	loan	NOUN
fbem-17400	97	11	management	management	NOUN
fbem-17400	97	12	issues	issue	NOUN
fbem-17400	97	13	in	in	ADP
fbem-17400	97	14	commercial	commercial	ADJ
fbem-17400	97	15	banks	bank	NOUN
fbem-17400	98	1	[	[	X
fbem-17400	98	2	j	j	X
fbem-17400	98	3	]	]	X
fbem-17400	98	4	.	.	PUNCT
fbem-17400	99	1	qinghai	qinghai	PROPN
fbem-17400	99	2	finance	finance	PROPN
fbem-17400	99	3	,	,	PUNCT
fbem-17400	99	4	2019	2019	NUM
fbem-17400	99	5	(	(	PUNCT
fbem-17400	99	6	11	11	NUM
fbem-17400	99	7	):	):	PUNCT
fbem-17400	99	8	58	58	NUM
fbem-17400	99	9	-	-	SYM
fbem-17400	99	10	60	60	NUM
fbem-17400	99	11	.	.	PUNCT
fbem-17400	100	1	[	[	X
fbem-17400	100	2	3	3	X
fbem-17400	100	3	]	]	X
fbem-17400	100	4	meng	meng	PROPN
fbem-17400	100	5	chen	chen	PROPN
fbem-17400	100	6	.	.	PUNCT
fbem-17400	101	1	the	the	DET
fbem-17400	101	2	proble.ms	proble.ms	NOUN
fbem-17400	101	3	and	and	CCONJ
fbem-17400	101	4	countermeasures	countermeasure	NOUN
fbem-17400	101	5	of	of	ADP
fbem-17400	101	6	bank	bank	NOUN
fbem-17400	101	7	credit	credit	NOUN
fbem-17400	101	8	risk	risk	NOUN
fbem-17400	101	9	management	management	NOUN
fbem-17400	101	10	under	under	ADP
fbem-17400	101	11	the	the	DET
fbem-17400	101	12	new	new	ADJ
fbem-17400	101	13	situation	situation	NOUN
fbem-17400	102	1	[	[	X
fbem-17400	102	2	j	j	X
fbem-17400	102	3	]	]	X
fbem-17400	102	4	.	.	PUNCT
fbem-17400	103	1	new	new	ADJ
fbem-17400	103	2	west	west	NOUN
fbem-17400	103	3	,	,	PUNCT
fbem-17400	103	4	2023	2023	NUM
fbem-17400	103	5	(	(	PUNCT
fbem-17400	103	6	08	08	NUM
fbem-17400	103	7	):	):	PUNCT
fbem-17400	103	8	151	151	NUM
fbem-17400	103	9	-	-	SYM
fbem-17400	103	10	153	153	NUM
fbem-17400	103	11	.	.	PUNCT
fbem-17400	104	1	[	[	X
fbem-17400	104	2	4	4	NUM
fbem-17400	104	3	]	]	X
fbem-17400	104	4	peng	peng	PROPN
fbem-17400	104	5	yao	yao	PROPN
fbem-17400	104	6	.	.	PUNCT
fbem-17400	105	1	credit	credit	NOUN
fbem-17400	105	2	risk	risk	NOUN
fbem-17400	105	3	management	management	NOUN
fbem-17400	105	4	of	of	ADP
fbem-17400	105	5	commercial	commercial	ADJ
fbem-17400	105	6	banks	bank	NOUN
fbem-17400	105	7	under	under	ADP
fbem-17400	105	8	the	the	DET
fbem-17400	105	9	new	new	ADJ
fbem-17400	105	10	economic	economic	ADJ
fbem-17400	105	11	situation	situation	NOUN
fbem-17400	106	1	[	[	X
fbem-17400	106	2	j	j	X
fbem-17400	106	3	]	]	X
fbem-17400	106	4	.	.	PUNCT
fbem-17400	107	1	marketing	marketing	NOUN
fbem-17400	107	2	of	of	ADP
fbem-17400	107	3	time	time	NOUN
fbem-17400	107	4	-	-	PUNCT
fbem-17400	107	5	honored	honor	VERB
fbem-17400	107	6	brands	brand	NOUN
fbem-17400	107	7	,	,	PUNCT
fbem-17400	107	8	2023	2023	NUM
fbem-17400	107	9	(	(	PUNCT
fbem-17400	107	10	13	13	NUM
fbem-17400	107	11	):	):	PUNCT
fbem-17400	107	12	55	55	NUM
fbem-17400	107	13	-	-	SYM
fbem-17400	107	14	57	57	NUM
fbem-17400	107	15	.	.	PUNCT
fbem-17400	108	1	[	[	X
fbem-17400	108	2	5	5	X
fbem-17400	108	3	]	]	PUNCT
fbem-17400	108	4	barbara	barbara	PROPN
fbem-17400	108	5	casu	casu	PROPN
fbem-17400	108	6	,	,	PUNCT
fbem-17400	108	7	claudia	claudia	PROPN
fbem-17400	108	8	girardone	girardone	PROPN
fbem-17400	108	9	,	,	PUNCT
fbem-17400	108	10	philip	philip	PROPN
fbem-17400	108	11	molyneux	molyneux	PROPN
fbem-17400	108	12	.	.	PUNCT
fbem-17400	109	1	introduction	introduction	NOUN
fbem-17400	109	2	to	to	ADP
fbem-17400	109	3	banking	banking	NOUN
fbem-17400	109	4	[	[	X
fbem-17400	109	5	m	m	X
fbem-17400	109	6	]	]	X
fbem-17400	109	7	.	.	PUNCT
fbem-17400	110	1	guo	guo	PROPN
fbem-17400	110	2	ning	ning	PROPN
fbem-17400	110	3	,	,	PUNCT
fbem-17400	110	4	wang	wang	PROPN
fbem-17400	110	5	tao	tao	PROPN
fbem-17400	110	6	,	,	PUNCT
fbem-17400	110	7	trans	trans	PROPN
fbem-17400	110	8	.	.	PROPN
fbem-17400	111	1	beijing	beijing	PROPN
fbem-17400	111	2	,	,	PUNCT
fbem-17400	111	3	chinese	chinese	PROPN
fbem-17400	111	4	renmin	renmin	PROPN
fbem-17400	111	5	university	university	PROPN
fbem-17400	111	6	press	press	NOUN
fbem-17400	111	7	,	,	PUNCT
fbem-17400	111	8	2020	2020	NUM
fbem-17400	111	9	.	.	PUNCT