id	sid	tid	token	lemma	pos
fbem-18927	1	1	frontiers	frontier	NOUN
fbem-18927	1	2	in	in	ADP
fbem-18927	1	3	business	business	NOUN
fbem-18927	1	4	,	,	PUNCT
fbem-18927	1	5	economics	economic	NOUN
fbem-18927	1	6	and	and	CCONJ
fbem-18927	1	7	management	management	NOUN
fbem-18927	1	8	issn	issn	PROPN
fbem-18927	1	9	:	:	PUNCT
fbem-18927	1	10	2766	2766	NUM
fbem-18927	1	11	-	-	PUNCT
fbem-18927	1	12	824x	824x	NUM
fbem-18927	1	13	|	|	ADJ
fbem-18927	1	14	vol	vol	NOUN
fbem-18927	1	15	.	.	PUNCT
fbem-18927	2	1	14	14	NUM
fbem-18927	2	2	,	,	PUNCT
fbem-18927	2	3	no	no	INTJ
fbem-18927	2	4	.	.	NOUN
fbem-18927	2	5	1	1	NUM
fbem-18927	2	6	,	,	PUNCT
fbem-18927	2	7	2024	2024	NUM
fbem-18927	2	8	338	338	NUM
fbem-18927	2	9	risk	risk	NOUN
fbem-18927	2	10	analysis	analysis	NOUN
fbem-18927	2	11	and	and	CCONJ
fbem-18927	2	12	supervision	supervision	NOUN
fbem-18927	2	13	of	of	ADP
fbem-18927	2	14	p2p	p2p	NOUN
fbem-18927	3	1	online	online	ADJ
fbem-18927	3	2	lending	lending	NOUN
fbem-18927	3	3	fulian	fulian	NOUN
fbem-18927	3	4	chen1	chen1	PROPN
fbem-18927	3	5	,	,	PUNCT
fbem-18927	3	6	chuan	chuan	PROPN
fbem-18927	3	7	yin2	yin2	PROPN
fbem-18927	3	8	,	,	PUNCT
fbem-18927	3	9	*	*	PROPN
fbem-18927	3	10	1	1	NUM
fbem-18927	3	11	hunan	hunan	PROPN
fbem-18927	3	12	university	university	PROPN
fbem-18927	3	13	of	of	ADP
fbem-18927	3	14	science	science	NOUN
fbem-18927	3	15	and	and	CCONJ
fbem-18927	3	16	technology	technology	NOUN
fbem-18927	3	17	,	,	PUNCT
fbem-18927	3	18	xiangtan	xiangtan	PROPN
fbem-18927	3	19	,	,	PUNCT
fbem-18927	3	20	hunan	hunan	PROPN
fbem-18927	3	21	,	,	PUNCT
fbem-18927	3	22	411201	411201	NUM
fbem-18927	3	23	,	,	PUNCT
fbem-18927	3	24	china	china	PROPN
fbem-18927	3	25	2	2	NUM
fbem-18927	3	26	hunan	hunan	PROPN
fbem-18927	3	27	university	university	PROPN
fbem-18927	3	28	of	of	ADP
fbem-18927	3	29	science	science	NOUN
fbem-18927	3	30	and	and	CCONJ
fbem-18927	3	31	technology	technology	NOUN
fbem-18927	3	32	,	,	PUNCT
fbem-18927	3	33	xiangtan	xiangtan	PROPN
fbem-18927	3	34	,	,	PUNCT
fbem-18927	3	35	hunan	hunan	PROPN
fbem-18927	3	36	,	,	PUNCT
fbem-18927	3	37	411201	411201	NUM
fbem-18927	3	38	,	,	PUNCT
fbem-18927	3	39	china	china	PROPN
fbem-18927	3	40	*	*	PUNCT
fbem-18927	3	41	corresponding	correspond	VERB
fbem-18927	3	42	author	author	NOUN
fbem-18927	3	43	:	:	PUNCT
fbem-18927	3	44	chuan	chuan	PROPN
fbem-18927	3	45	yin	yin	PROPN
fbem-18927	3	46	(	(	PUNCT
fbem-18927	3	47	email	email	NOUN
fbem-18927	3	48	:	:	PUNCT
fbem-18927	3	49	2265266596@qq.com	2265266596@qq.com	NUM
fbem-18927	3	50	)	)	PUNCT
fbem-18927	3	51	abstract	abstract	NOUN
fbem-18927	3	52	:	:	PUNCT
fbem-18927	3	53	in	in	ADP
fbem-18927	3	54	the	the	DET
fbem-18927	3	55	new	new	ADJ
fbem-18927	3	56	era	era	NOUN
fbem-18927	3	57	of	of	ADP
fbem-18927	3	58	rapid	rapid	ADJ
fbem-18927	3	59	development	development	NOUN
fbem-18927	3	60	of	of	ADP
fbem-18927	3	61	science	science	NOUN
fbem-18927	3	62	and	and	CCONJ
fbem-18927	3	63	technology	technology	NOUN
fbem-18927	3	64	,	,	PUNCT
fbem-18927	3	65	the	the	DET
fbem-18927	3	66	combination	combination	NOUN
fbem-18927	3	67	of	of	ADP
fbem-18927	3	68	finance	finance	NOUN
fbem-18927	3	69	and	and	CCONJ
fbem-18927	3	70	technology	technology	NOUN
fbem-18927	3	71	has	have	AUX
fbem-18927	3	72	brought	bring	VERB
fbem-18927	3	73	new	new	ADJ
fbem-18927	3	74	financial	financial	ADJ
fbem-18927	3	75	cognition	cognition	NOUN
fbem-18927	3	76	to	to	ADP
fbem-18927	3	77	people	people	NOUN
fbem-18927	3	78	,	,	PUNCT
fbem-18927	3	79	but	but	CCONJ
fbem-18927	3	80	the	the	DET
fbem-18927	3	81	emergence	emergence	NOUN
fbem-18927	3	82	of	of	ADP
fbem-18927	3	83	financial	financial	ADJ
fbem-18927	3	84	technology	technology	NOUN
fbem-18927	3	85	has	have	AUX
fbem-18927	3	86	also	also	ADV
fbem-18927	3	87	brought	bring	VERB
fbem-18927	3	88	great	great	ADJ
fbem-18927	3	89	challenges	challenge	NOUN
fbem-18927	3	90	to	to	PART
fbem-18927	3	91	risk	risk	VERB
fbem-18927	3	92	management	management	NOUN
fbem-18927	3	93	in	in	ADP
fbem-18927	3	94	the	the	DET
fbem-18927	3	95	financial	financial	ADJ
fbem-18927	3	96	field	field	NOUN
fbem-18927	3	97	.	.	PUNCT
fbem-18927	4	1	with	with	ADP
fbem-18927	4	2	the	the	DET
fbem-18927	4	3	development	development	NOUN
fbem-18927	4	4	and	and	CCONJ
fbem-18927	4	5	maturity	maturity	NOUN
fbem-18927	4	6	of	of	ADP
fbem-18927	4	7	internet	internet	NOUN
fbem-18927	4	8	technology	technology	NOUN
fbem-18927	4	9	,	,	PUNCT
fbem-18927	4	10	the	the	DET
fbem-18927	4	11	rapid	rapid	ADJ
fbem-18927	4	12	innovation	innovation	NOUN
fbem-18927	4	13	of	of	ADP
fbem-18927	4	14	internet	internet	NOUN
fbem-18927	4	15	finance	finance	NOUN
fbem-18927	4	16	has	have	AUX
fbem-18927	4	17	promoted	promote	VERB
fbem-18927	4	18	the	the	DET
fbem-18927	4	19	prosperity	prosperity	NOUN
fbem-18927	4	20	of	of	ADP
fbem-18927	4	21	online	online	ADJ
fbem-18927	4	22	lending	lending	NOUN
fbem-18927	4	23	,	,	PUNCT
fbem-18927	4	24	well	well	ADV
fbem-18927	4	25	met	meet	VERB
fbem-18927	4	26	the	the	DET
fbem-18927	4	27	financing	financing	NOUN
fbem-18927	4	28	needs	need	NOUN
fbem-18927	4	29	of	of	ADP
fbem-18927	4	30	various	various	ADJ
fbem-18927	4	31	entities	entity	NOUN
fbem-18927	4	32	in	in	ADP
fbem-18927	4	33	the	the	DET
fbem-18927	4	34	market	market	NOUN
fbem-18927	4	35	,	,	PUNCT
fbem-18927	4	36	and	and	CCONJ
fbem-18927	4	37	effectively	effectively	ADV
fbem-18927	4	38	solved	solve	VERB
fbem-18927	4	39	the	the	DET
fbem-18927	4	40	problem	problem	NOUN
fbem-18927	4	41	of	of	ADP
fbem-18927	4	42	expensive	expensive	ADJ
fbem-18927	4	43	financing	financing	NOUN
fbem-18927	4	44	for	for	ADP
fbem-18927	4	45	small	small	ADJ
fbem-18927	4	46	and	and	CCONJ
fbem-18927	4	47	medium	medium	ADJ
fbem-18927	4	48	-	-	PUNCT
fbem-18927	4	49	sized	sized	ADJ
fbem-18927	4	50	enterprises	enterprise	NOUN
fbem-18927	4	51	and	and	CCONJ
fbem-18927	4	52	private	private	ADJ
fbem-18927	4	53	enterprises	enterprise	NOUN
fbem-18927	4	54	.	.	PUNCT
fbem-18927	5	1	however	however	ADV
fbem-18927	5	2	,	,	PUNCT
fbem-18927	5	3	the	the	DET
fbem-18927	5	4	rapid	rapid	ADJ
fbem-18927	5	5	development	development	NOUN
fbem-18927	5	6	of	of	ADP
fbem-18927	5	7	internet	internet	NOUN
fbem-18927	5	8	finance	finance	NOUN
fbem-18927	5	9	has	have	AUX
fbem-18927	5	10	also	also	ADV
fbem-18927	5	11	spawned	spawn	VERB
fbem-18927	5	12	a	a	DET
fbem-18927	5	13	wider	wide	ADJ
fbem-18927	5	14	range	range	NOUN
fbem-18927	5	15	of	of	ADP
fbem-18927	5	16	financial	financial	ADJ
fbem-18927	5	17	risks	risk	NOUN
fbem-18927	5	18	and	and	CCONJ
fbem-18927	5	19	updated	update	VERB
fbem-18927	5	20	forms	form	NOUN
fbem-18927	5	21	.	.	PUNCT
fbem-18927	6	1	taking	take	VERB
fbem-18927	6	2	p2p	p2p	PRON
fbem-18927	6	3	online	online	NOUN
fbem-18927	6	4	lending	lending	NOUN
fbem-18927	6	5	as	as	ADP
fbem-18927	6	6	an	an	DET
fbem-18927	6	7	example	example	NOUN
fbem-18927	6	8	,	,	PUNCT
fbem-18927	6	9	this	this	DET
fbem-18927	6	10	paper	paper	NOUN
fbem-18927	6	11	analyzes	analyze	VERB
fbem-18927	6	12	the	the	DET
fbem-18927	6	13	causes	cause	NOUN
fbem-18927	6	14	and	and	CCONJ
fbem-18927	6	15	effects	effect	NOUN
fbem-18927	6	16	of	of	ADP
fbem-18927	6	17	the	the	DET
fbem-18927	6	18	rise	rise	NOUN
fbem-18927	6	19	of	of	ADP
fbem-18927	6	20	p2p	p2p	NOUN
fbem-18927	6	21	online	online	ADJ
fbem-18927	6	22	lending	lending	NOUN
fbem-18927	6	23	,	,	PUNCT
fbem-18927	6	24	finds	find	VERB
fbem-18927	6	25	that	that	SCONJ
fbem-18927	6	26	there	there	PRON
fbem-18927	6	27	is	be	VERB
fbem-18927	6	28	asymmetric	asymmetric	ADJ
fbem-18927	6	29	leverage	leverage	NOUN
fbem-18927	6	30	effect	effect	NOUN
fbem-18927	6	31	in	in	ADP
fbem-18927	6	32	the	the	DET
fbem-18927	6	33	fluctuations	fluctuation	NOUN
fbem-18927	6	34	of	of	ADP
fbem-18927	6	35	p2p	p2p	NOUN
fbem-18927	6	36	online	online	ADJ
fbem-18927	6	37	lending	lending	NOUN
fbem-18927	6	38	,	,	PUNCT
fbem-18927	6	39	analyzes	analyze	VERB
fbem-18927	6	40	the	the	DET
fbem-18927	6	41	risks	risk	NOUN
fbem-18927	6	42	,	,	PUNCT
fbem-18927	6	43	existing	exist	VERB
fbem-18927	6	44	problems	problem	NOUN
fbem-18927	6	45	and	and	CCONJ
fbem-18927	6	46	causes	cause	NOUN
fbem-18927	6	47	of	of	ADP
fbem-18927	6	48	final	final	ADJ
fbem-18927	6	49	failure	failure	NOUN
fbem-18927	6	50	of	of	ADP
fbem-18927	6	51	p2p	p2p	NOUN
fbem-18927	6	52	online	online	ADJ
fbem-18927	6	53	lending	lending	NOUN
fbem-18927	6	54	,	,	PUNCT
fbem-18927	6	55	and	and	CCONJ
fbem-18927	6	56	explores	explore	VERB
fbem-18927	6	57	the	the	DET
fbem-18927	6	58	development	development	NOUN
fbem-18927	6	59	model	model	NOUN
fbem-18927	6	60	of	of	ADP
fbem-18927	6	61	online	online	ADJ
fbem-18927	6	62	lending	lending	NOUN
fbem-18927	6	63	in	in	ADP
fbem-18927	6	64	the	the	DET
fbem-18927	6	65	post	post	ADJ
fbem-18927	6	66	-	-	ADJ
fbem-18927	6	67	p2p	p2p	NOUN
fbem-18927	6	68	era	era	NOUN
fbem-18927	6	69	and	and	CCONJ
fbem-18927	6	70	the	the	DET
fbem-18927	6	71	construction	construction	NOUN
fbem-18927	6	72	of	of	ADP
fbem-18927	6	73	big	big	ADJ
fbem-18927	6	74	data	datum	NOUN
fbem-18927	6	75	risk	risk	NOUN
fbem-18927	6	76	control	control	NOUN
fbem-18927	6	77	system	system	NOUN
fbem-18927	6	78	.	.	PUNCT
fbem-18927	7	1	finally	finally	ADV
fbem-18927	7	2	,	,	PUNCT
fbem-18927	7	3	some	some	DET
fbem-18927	7	4	practical	practical	ADJ
fbem-18927	7	5	suggestions	suggestion	NOUN
fbem-18927	7	6	and	and	CCONJ
fbem-18927	7	7	countermeasures	countermeasure	NOUN
fbem-18927	7	8	are	be	AUX
fbem-18927	7	9	given	give	VERB
fbem-18927	7	10	.	.	PUNCT
fbem-18927	8	1	keywords	keyword	NOUN
fbem-18927	8	2	:	:	PUNCT
fbem-18927	8	3	p2p	p2p	NOUN
fbem-18927	8	4	online	online	ADJ
fbem-18927	8	5	lending	lending	NOUN
fbem-18927	8	6	,	,	PUNCT
fbem-18927	8	7	big	big	ADJ
fbem-18927	8	8	data	datum	NOUN
fbem-18927	8	9	risk	risk	NOUN
fbem-18927	8	10	control	control	NOUN
fbem-18927	8	11	system	system	NOUN
fbem-18927	8	12	,	,	PUNCT
fbem-18927	8	13	financial	financial	ADJ
fbem-18927	8	14	risk	risk	NOUN
fbem-18927	8	15	.	.	PUNCT
fbem-18927	9	1	1	1	X
fbem-18927	9	2	.	.	X
fbem-18927	9	3	introduction	introduction	NOUN
fbem-18927	9	4	the	the	DET
fbem-18927	9	5	combination	combination	NOUN
fbem-18927	9	6	of	of	ADP
fbem-18927	9	7	finance	finance	NOUN
fbem-18927	9	8	and	and	CCONJ
fbem-18927	9	9	science	science	NOUN
fbem-18927	9	10	and	and	CCONJ
fbem-18927	9	11	technology	technology	NOUN
fbem-18927	9	12	provides	provide	VERB
fbem-18927	9	13	a	a	DET
fbem-18927	9	14	more	more	ADV
fbem-18927	9	15	novel	novel	ADJ
fbem-18927	9	16	experience	experience	NOUN
fbem-18927	9	17	for	for	ADP
fbem-18927	9	18	the	the	DET
fbem-18927	9	19	development	development	NOUN
fbem-18927	9	20	of	of	ADP
fbem-18927	9	21	financial	financial	ADJ
fbem-18927	9	22	activities	activity	NOUN
fbem-18927	9	23	.	.	PUNCT
fbem-18927	10	1	with	with	ADP
fbem-18927	10	2	the	the	DET
fbem-18927	10	3	rapid	rapid	ADJ
fbem-18927	10	4	development	development	NOUN
fbem-18927	10	5	of	of	ADP
fbem-18927	10	6	internet	internet	NOUN
fbem-18927	10	7	finance	finance	NOUN
fbem-18927	10	8	in	in	ADP
fbem-18927	10	9	china	china	PROPN
fbem-18927	10	10	,	,	PUNCT
fbem-18927	10	11	the	the	DET
fbem-18927	10	12	growth	growth	NOUN
fbem-18927	10	13	rate	rate	NOUN
fbem-18927	10	14	of	of	ADP
fbem-18927	10	15	the	the	DET
fbem-18927	10	16	real	real	ADJ
fbem-18927	10	17	economy	economy	NOUN
fbem-18927	10	18	continues	continue	VERB
fbem-18927	10	19	to	to	PART
fbem-18927	10	20	decline	decline	VERB
fbem-18927	10	21	,	,	PUNCT
fbem-18927	10	22	and	and	CCONJ
fbem-18927	10	23	the	the	DET
fbem-18927	10	24	phenomenon	phenomenon	NOUN
fbem-18927	10	25	of	of	ADP
fbem-18927	10	26	capital	capital	NOUN
fbem-18927	10	27	"	"	PUNCT
fbem-18927	10	28	from	from	ADP
fbem-18927	10	29	real	real	ADJ
fbem-18927	10	30	to	to	ADP
fbem-18927	10	31	virtual	virtual	ADJ
fbem-18927	10	32	"	"	PUNCT
fbem-18927	10	33	is	be	AUX
fbem-18927	10	34	becoming	become	VERB
fbem-18927	10	35	more	more	ADV
fbem-18927	10	36	and	and	CCONJ
fbem-18927	10	37	more	more	ADV
fbem-18927	10	38	serious	serious	ADJ
fbem-18927	10	39	.	.	PUNCT
fbem-18927	11	1	at	at	ADP
fbem-18927	11	2	the	the	DET
fbem-18927	11	3	same	same	ADJ
fbem-18927	11	4	time	time	NOUN
fbem-18927	11	5	,	,	PUNCT
fbem-18927	11	6	the	the	DET
fbem-18927	11	7	entire	entire	ADJ
fbem-18927	11	8	financial	financial	ADJ
fbem-18927	11	9	system	system	NOUN
fbem-18927	11	10	is	be	AUX
fbem-18927	11	11	also	also	ADV
fbem-18927	11	12	expanding	expand	VERB
fbem-18927	11	13	rapidly	rapidly	ADV
fbem-18927	11	14	,	,	PUNCT
fbem-18927	11	15	and	and	CCONJ
fbem-18927	11	16	risks	risk	NOUN
fbem-18927	11	17	are	be	AUX
fbem-18927	11	18	gradually	gradually	ADV
fbem-18927	11	19	accumulating	accumulate	VERB
fbem-18927	11	20	in	in	ADP
fbem-18927	11	21	all	all	DET
fbem-18927	11	22	aspects	aspect	NOUN
fbem-18927	11	23	of	of	ADP
fbem-18927	11	24	the	the	DET
fbem-18927	11	25	financial	financial	ADJ
fbem-18927	11	26	system	system	NOUN
fbem-18927	11	27	and	and	CCONJ
fbem-18927	11	28	the	the	DET
fbem-18927	11	29	operation	operation	NOUN
fbem-18927	11	30	of	of	ADP
fbem-18927	11	31	the	the	DET
fbem-18927	11	32	real	real	ADJ
fbem-18927	11	33	economy	economy	NOUN
fbem-18927	11	34	.	.	PUNCT
fbem-18927	12	1	this	this	PRON
fbem-18927	12	2	,	,	PUNCT
fbem-18927	12	3	in	in	ADP
fbem-18927	12	4	turn	turn	NOUN
fbem-18927	12	5	,	,	PUNCT
fbem-18927	12	6	may	may	AUX
fbem-18927	12	7	lead	lead	VERB
fbem-18927	12	8	to	to	ADP
fbem-18927	12	9	broader	broad	ADJ
fbem-18927	12	10	and	and	CCONJ
fbem-18927	12	11	deeper	deep	ADJ
fbem-18927	12	12	financial	financial	ADJ
fbem-18927	12	13	risks	risk	NOUN
fbem-18927	12	14	.	.	PUNCT
fbem-18927	13	1	therefore	therefore	ADV
fbem-18927	13	2	,	,	PUNCT
fbem-18927	13	3	the	the	DET
fbem-18927	13	4	party	party	NOUN
fbem-18927	13	5	stressed	stress	VERB
fbem-18927	13	6	in	in	ADP
fbem-18927	13	7	the	the	DET
fbem-18927	13	8	economic	economic	ADJ
fbem-18927	13	9	report	report	NOUN
fbem-18927	13	10	that	that	SCONJ
fbem-18927	13	11	it	it	PRON
fbem-18927	13	12	is	be	AUX
fbem-18927	13	13	necessary	necessary	ADJ
fbem-18927	13	14	to	to	PART
fbem-18927	13	15	improve	improve	VERB
fbem-18927	13	16	the	the	DET
fbem-18927	13	17	financial	financial	ADJ
fbem-18927	13	18	supervision	supervision	NOUN
fbem-18927	13	19	system	system	NOUN
fbem-18927	13	20	,	,	PUNCT
fbem-18927	13	21	promote	promote	VERB
fbem-18927	13	22	the	the	DET
fbem-18927	13	23	healthy	healthy	ADJ
fbem-18927	13	24	development	development	NOUN
fbem-18927	13	25	of	of	ADP
fbem-18927	13	26	multi	multi	ADJ
fbem-18927	13	27	-	-	ADJ
fbem-18927	13	28	level	level	ADJ
fbem-18927	13	29	capital	capital	NOUN
fbem-18927	13	30	markets	market	NOUN
fbem-18927	13	31	,	,	PUNCT
fbem-18927	13	32	enhance	enhance	VERB
fbem-18927	13	33	the	the	DET
fbem-18927	13	34	ability	ability	NOUN
fbem-18927	13	35	of	of	ADP
fbem-18927	13	36	financial	financial	ADJ
fbem-18927	13	37	services	service	NOUN
fbem-18927	13	38	to	to	PART
fbem-18927	13	39	serve	serve	VERB
fbem-18927	13	40	the	the	DET
fbem-18927	13	41	real	real	ADJ
fbem-18927	13	42	economy	economy	NOUN
fbem-18927	13	43	,	,	PUNCT
fbem-18927	13	44	and	and	CCONJ
fbem-18927	13	45	hold	hold	VERB
fbem-18927	13	46	the	the	DET
fbem-18927	13	47	bottom	bottom	ADJ
fbem-18927	13	48	line	line	NOUN
fbem-18927	13	49	of	of	ADP
fbem-18927	13	50	no	no	DET
fbem-18927	13	51	systemic	systemic	ADJ
fbem-18927	13	52	financial	financial	ADJ
fbem-18927	13	53	risks	risk	NOUN
fbem-18927	13	54	.	.	PUNCT
fbem-18927	14	1	although	although	SCONJ
fbem-18927	14	2	p2p	p2p	PRON
fbem-18927	14	3	online	online	ADJ
fbem-18927	14	4	lending	lending	NOUN
fbem-18927	14	5	platform	platform	NOUN
fbem-18927	14	6	has	have	AUX
fbem-18927	14	7	completely	completely	ADV
fbem-18927	14	8	withdrawn	withdraw	VERB
fbem-18927	14	9	from	from	ADP
fbem-18927	14	10	the	the	DET
fbem-18927	14	11	stage	stage	NOUN
fbem-18927	14	12	of	of	ADP
fbem-18927	14	13	history	history	NOUN
fbem-18927	14	14	,	,	PUNCT
fbem-18927	14	15	other	other	ADJ
fbem-18927	14	16	forms	form	NOUN
fbem-18927	14	17	of	of	ADP
fbem-18927	14	18	internet	internet	NOUN
fbem-18927	14	19	finance	finance	NOUN
fbem-18927	14	20	such	such	ADJ
fbem-18927	14	21	as	as	ADP
fbem-18927	14	22	internet	internet	NOUN
fbem-18927	14	23	technology	technology	NOUN
fbem-18927	14	24	finance	finance	NOUN
fbem-18927	14	25	,	,	PUNCT
fbem-18927	14	26	small	small	ADJ
fbem-18927	14	27	loan	loan	NOUN
fbem-18927	14	28	enterprises	enterprise	NOUN
fbem-18927	14	29	,	,	PUNCT
fbem-18927	14	30	third	third	ADJ
fbem-18927	14	31	-	-	PUNCT
fbem-18927	14	32	party	party	NOUN
fbem-18927	14	33	payment	payment	NOUN
fbem-18927	14	34	are	be	AUX
fbem-18927	14	35	still	still	ADV
fbem-18927	14	36	developing	develop	VERB
fbem-18927	14	37	rapidly	rapidly	ADV
fbem-18927	14	38	in	in	ADP
fbem-18927	14	39	china	china	PROPN
fbem-18927	14	40	.	.	PUNCT
fbem-18927	15	1	online	online	ADJ
fbem-18927	15	2	lending	lending	NOUN
fbem-18927	15	3	is	be	AUX
fbem-18927	15	4	still	still	ADV
fbem-18927	15	5	favored	favor	VERB
fbem-18927	15	6	by	by	ADP
fbem-18927	15	7	small	small	ADJ
fbem-18927	15	8	and	and	CCONJ
fbem-18927	15	9	medium	medium	ADJ
fbem-18927	15	10	-	-	PUNCT
fbem-18927	15	11	sized	sized	ADJ
fbem-18927	15	12	enterprises	enterprise	NOUN
fbem-18927	15	13	and	and	CCONJ
fbem-18927	15	14	private	private	ADJ
fbem-18927	15	15	enterprises	enterprise	NOUN
fbem-18927	15	16	as	as	ADP
fbem-18927	15	17	an	an	DET
fbem-18927	15	18	effective	effective	ADJ
fbem-18927	15	19	supplement	supplement	NOUN
fbem-18927	15	20	to	to	ADP
fbem-18927	15	21	traditional	traditional	ADJ
fbem-18927	15	22	bank	bank	NOUN
fbem-18927	15	23	lending	lending	NOUN
fbem-18927	15	24	.	.	PUNCT
fbem-18927	16	1	therefore	therefore	ADV
fbem-18927	16	2	,	,	PUNCT
fbem-18927	16	3	it	it	PRON
fbem-18927	16	4	is	be	AUX
fbem-18927	16	5	necessary	necessary	ADJ
fbem-18927	16	6	for	for	SCONJ
fbem-18927	16	7	us	we	PRON
fbem-18927	16	8	to	to	PART
fbem-18927	16	9	continue	continue	VERB
fbem-18927	16	10	to	to	PART
fbem-18927	16	11	pay	pay	VERB
fbem-18927	16	12	high	high	ADJ
fbem-18927	16	13	attention	attention	NOUN
fbem-18927	16	14	to	to	ADP
fbem-18927	16	15	the	the	DET
fbem-18927	16	16	risks	risk	NOUN
fbem-18927	16	17	of	of	ADP
fbem-18927	16	18	internet	internet	NOUN
fbem-18927	16	19	finance	finance	NOUN
fbem-18927	16	20	.	.	PUNCT
fbem-18927	17	1	2	2	X
fbem-18927	17	2	.	.	X
fbem-18927	17	3	literature	literature	NOUN
fbem-18927	17	4	review	review	PROPN
fbem-18927	17	5	internet	internet	NOUN
fbem-18927	17	6	finance	finance	NOUN
fbem-18927	17	7	has	have	VERB
fbem-18927	17	8	the	the	DET
fbem-18927	17	9	dual	dual	ADJ
fbem-18927	17	10	attributes	attribute	NOUN
fbem-18927	17	11	of	of	ADP
fbem-18927	17	12	internet	internet	NOUN
fbem-18927	17	13	and	and	CCONJ
fbem-18927	17	14	finance	finance	NOUN
fbem-18927	17	15	.	.	PUNCT
fbem-18927	18	1	internet	internet	NOUN
fbem-18927	18	2	finance	finance	NOUN
fbem-18927	18	3	mainly	mainly	ADV
fbem-18927	18	4	includes	include	VERB
fbem-18927	18	5	six	six	NUM
fbem-18927	18	6	major	major	ADJ
fbem-18927	18	7	models	model	NOUN
fbem-18927	18	8	:	:	PUNCT
fbem-18927	18	9	third	third	ADJ
fbem-18927	18	10	-	-	PUNCT
fbem-18927	18	11	party	party	NOUN
fbem-18927	18	12	payment	payment	NOUN
fbem-18927	18	13	,	,	PUNCT
fbem-18927	18	14	p2p	p2p	NOUN
fbem-18927	18	15	,	,	PUNCT
fbem-18927	18	16	big	big	ADJ
fbem-18927	18	17	data	datum	NOUN
fbem-18927	18	18	finance	finance	NOUN
fbem-18927	18	19	,	,	PUNCT
fbem-18927	18	20	crowdfunding	crowdfunding	NOUN
fbem-18927	18	21	,	,	PUNCT
fbem-18927	18	22	information	information	NOUN
fbem-18927	18	23	-	-	PUNCT
fbem-18927	18	24	based	base	VERB
fbem-18927	18	25	financial	financial	ADJ
fbem-18927	18	26	institutions	institution	NOUN
fbem-18927	18	27	,	,	PUNCT
fbem-18927	18	28	and	and	CCONJ
fbem-18927	18	29	internet	internet	NOUN
fbem-18927	18	30	financial	financial	ADJ
fbem-18927	18	31	portals	portal	NOUN
fbem-18927	18	32	.	.	PUNCT
fbem-18927	19	1	the	the	DET
fbem-18927	19	2	core	core	NOUN
fbem-18927	19	3	of	of	ADP
fbem-18927	19	4	internet	internet	NOUN
fbem-18927	19	5	finance	finance	NOUN
fbem-18927	19	6	is	be	AUX
fbem-18927	19	7	finance	finance	NOUN
fbem-18927	19	8	,	,	PUNCT
fbem-18927	19	9	and	and	CCONJ
fbem-18927	19	10	the	the	DET
fbem-18927	19	11	internet	internet	NOUN
fbem-18927	19	12	is	be	AUX
fbem-18927	19	13	only	only	ADV
fbem-18927	19	14	a	a	DET
fbem-18927	19	15	means	mean	NOUN
fbem-18927	19	16	and	and	CCONJ
fbem-18927	19	17	method	method	NOUN
fbem-18927	19	18	,	,	PUNCT
fbem-18927	19	19	so	so	SCONJ
fbem-18927	19	20	p2p	p2p	NOUN
fbem-18927	19	21	will	will	AUX
fbem-18927	19	22	also	also	ADV
fbem-18927	19	23	face	face	VERB
fbem-18927	19	24	the	the	DET
fbem-18927	19	25	risks	risk	NOUN
fbem-18927	19	26	faced	face	VERB
fbem-18927	19	27	by	by	ADP
fbem-18927	19	28	traditional	traditional	ADJ
fbem-18927	19	29	finance	finance	NOUN
fbem-18927	19	30	:	:	PUNCT
fbem-18927	19	31	systemic	systemic	ADJ
fbem-18927	19	32	risk	risk	NOUN
fbem-18927	19	33	,	,	PUNCT
fbem-18927	19	34	liquidity	liquidity	NOUN
fbem-18927	19	35	risk	risk	NOUN
fbem-18927	19	36	,	,	PUNCT
fbem-18927	19	37	credit	credit	NOUN
fbem-18927	19	38	risk	risk	NOUN
fbem-18927	19	39	,	,	PUNCT
fbem-18927	19	40	technical	technical	ADJ
fbem-18927	19	41	risk	risk	NOUN
fbem-18927	19	42	,	,	PUNCT
fbem-18927	19	43	operational	operational	ADJ
fbem-18927	19	44	risk	risk	NOUN
fbem-18927	19	45	,	,	PUNCT
fbem-18927	19	46	etc	etc	X
fbem-18927	19	47	.	.	X
fbem-18927	20	1	[	[	X
fbem-18927	20	2	1	1	NUM
fbem-18927	20	3	]	]	PUNCT
fbem-18927	20	4	.	.	PUNCT
fbem-18927	21	1	as	as	ADP
fbem-18927	21	2	a	a	DET
fbem-18927	21	3	former	former	ADJ
fbem-18927	21	4	business	business	NOUN
fbem-18927	21	5	model	model	NOUN
fbem-18927	21	6	of	of	ADP
fbem-18927	21	7	internet	internet	NOUN
fbem-18927	21	8	finance	finance	NOUN
fbem-18927	21	9	,	,	PUNCT
fbem-18927	21	10	p2p	p2p	NOUN
fbem-18927	21	11	online	online	ADJ
fbem-18927	21	12	lending	lending	NOUN
fbem-18927	21	13	is	be	AUX
fbem-18927	21	14	the	the	DET
fbem-18927	21	15	most	most	ADV
fbem-18927	21	16	consistent	consistent	ADJ
fbem-18927	21	17	with	with	ADP
fbem-18927	21	18	the	the	DET
fbem-18927	21	19	ideal	ideal	ADJ
fbem-18927	21	20	effect	effect	NOUN
fbem-18927	21	21	of	of	ADP
fbem-18927	21	22	disintermediation	disintermediation	NOUN
fbem-18927	21	23	of	of	ADP
fbem-18927	21	24	internet	internet	NOUN
fbem-18927	21	25	finance	finance	NOUN
fbem-18927	21	26	compared	compare	VERB
fbem-18927	21	27	with	with	ADP
fbem-18927	21	28	other	other	ADJ
fbem-18927	21	29	business	business	NOUN
fbem-18927	21	30	models	model	NOUN
fbem-18927	21	31	such	such	ADJ
fbem-18927	21	32	as	as	ADP
fbem-18927	21	33	third	third	ADJ
fbem-18927	21	34	-	-	PUNCT
fbem-18927	21	35	party	party	NOUN
fbem-18927	21	36	payment	payment	NOUN
fbem-18927	21	37	,	,	PUNCT
fbem-18927	21	38	ali	ali	PROPN
fbem-18927	21	39	finance	finance	PROPN
fbem-18927	21	40	and	and	CCONJ
fbem-18927	21	41	crowdfunding	crowdfunding	NOUN
fbem-18927	21	42	.	.	PUNCT
fbem-18927	22	1	according	accord	VERB
fbem-18927	22	2	to	to	ADP
fbem-18927	22	3	ye	ye	PROPN
fbem-18927	22	4	xiangrong	xiangrong	PROPN
fbem-18927	22	5	's	's	PART
fbem-18927	22	6	research	research	NOUN
fbem-18927	22	7	,	,	PUNCT
fbem-18927	22	8	p2p	p2p	X
fbem-18927	22	9	online	online	ADJ
fbem-18927	22	10	lending	lending	NOUN
fbem-18927	22	11	in	in	ADP
fbem-18927	22	12	china	china	PROPN
fbem-18927	22	13	has	have	VERB
fbem-18927	22	14	certain	certain	ADJ
fbem-18927	22	15	common	common	ADJ
fbem-18927	22	16	risks	risk	NOUN
fbem-18927	22	17	,	,	PUNCT
fbem-18927	22	18	such	such	ADJ
fbem-18927	22	19	as	as	ADP
fbem-18927	22	20	the	the	DET
fbem-18927	22	21	technical	technical	ADJ
fbem-18927	22	22	risks	risk	NOUN
fbem-18927	22	23	of	of	ADP
fbem-18927	22	24	small	small	ADJ
fbem-18927	22	25	capital	capital	NOUN
fbem-18927	22	26	lending	lending	NOUN
fbem-18927	22	27	,	,	PUNCT
fbem-18927	22	28	the	the	DET
fbem-18927	22	29	financial	financial	ADJ
fbem-18927	22	30	disclosure	disclosure	NOUN
fbem-18927	22	31	risks	risk	NOUN
fbem-18927	22	32	of	of	ADP
fbem-18927	22	33	platform	platform	NOUN
fbem-18927	22	34	fund	fund	NOUN
fbem-18927	22	35	transactions	transaction	NOUN
fbem-18927	22	36	,	,	PUNCT
fbem-18927	22	37	the	the	DET
fbem-18927	22	38	risks	risk	NOUN
fbem-18927	22	39	of	of	ADP
fbem-18927	22	40	intermediate	intermediate	ADJ
fbem-18927	22	41	capital	capital	NOUN
fbem-18927	22	42	account	account	NOUN
fbem-18927	22	43	security	security	NOUN
fbem-18927	22	44	and	and	CCONJ
fbem-18927	22	45	lack	lack	NOUN
fbem-18927	22	46	of	of	ADP
fbem-18927	22	47	supervision	supervision	NOUN
fbem-18927	22	48	[	[	X
fbem-18927	22	49	2	2	NUM
fbem-18927	22	50	]	]	PUNCT
fbem-18927	22	51	.	.	PUNCT
fbem-18927	23	1	at	at	ADP
fbem-18927	23	2	the	the	DET
fbem-18927	23	3	same	same	ADJ
fbem-18927	23	4	time	time	NOUN
fbem-18927	23	5	,	,	PUNCT
fbem-18927	23	6	due	due	ADP
fbem-18927	23	7	to	to	ADP
fbem-18927	23	8	the	the	DET
fbem-18927	23	9	different	different	ADJ
fbem-18927	23	10	operation	operation	NOUN
fbem-18927	23	11	modes	mode	NOUN
fbem-18927	23	12	of	of	ADP
fbem-18927	23	13	p2p	p2p	NOUN
fbem-18927	23	14	online	online	ADJ
fbem-18927	23	15	lending	lending	NOUN
fbem-18927	23	16	,	,	PUNCT
fbem-18927	23	17	the	the	DET
fbem-18927	23	18	characteristic	characteristic	ADJ
fbem-18927	23	19	risks	risk	NOUN
fbem-18927	23	20	of	of	ADP
fbem-18927	23	21	the	the	DET
fbem-18927	23	22	platform	platform	NOUN
fbem-18927	23	23	will	will	AUX
fbem-18927	23	24	be	be	AUX
fbem-18927	23	25	generated	generate	VERB
fbem-18927	23	26	.	.	PUNCT
fbem-18927	24	1	such	such	ADJ
fbem-18927	24	2	as	as	ADP
fbem-18927	24	3	compliance	compliance	NOUN
fbem-18927	24	4	risk	risk	NOUN
fbem-18927	24	5	,	,	PUNCT
fbem-18927	24	6	related	related	ADJ
fbem-18927	24	7	party	party	NOUN
fbem-18927	24	8	risk	risk	NOUN
fbem-18927	24	9	,	,	PUNCT
fbem-18927	24	10	lending	lending	NOUN
fbem-18927	24	11	product	product	NOUN
fbem-18927	24	12	alienation	alienation	NOUN
fbem-18927	24	13	risk	risk	NOUN
fbem-18927	24	14	,	,	PUNCT
fbem-18927	24	15	illegal	illegal	ADJ
fbem-18927	24	16	fund	fund	NOUN
fbem-18927	24	17	-	-	PUNCT
fbem-18927	24	18	raising	raise	VERB
fbem-18927	24	19	risk	risk	NOUN
fbem-18927	24	20	.	.	PUNCT
fbem-18927	25	1	through	through	ADP
fbem-18927	25	2	in	in	ADP
fbem-18927	25	3	-	-	PUNCT
fbem-18927	25	4	depth	depth	NOUN
fbem-18927	25	5	analysis	analysis	NOUN
fbem-18927	25	6	of	of	ADP
fbem-18927	25	7	the	the	DET
fbem-18927	25	8	operation	operation	NOUN
fbem-18927	25	9	mode	mode	NOUN
fbem-18927	25	10	of	of	ADP
fbem-18927	25	11	p2p	p2p	NOUN
fbem-18927	25	12	online	online	ADJ
fbem-18927	25	13	lending	lending	NOUN
fbem-18927	25	14	platforms	platform	NOUN
fbem-18927	25	15	,	,	PUNCT
fbem-18927	25	16	domestic	domestic	ADJ
fbem-18927	25	17	scholars	scholar	NOUN
fbem-18927	25	18	point	point	VERB
fbem-18927	25	19	out	out	ADP
fbem-18927	25	20	that	that	SCONJ
fbem-18927	25	21	the	the	DET
fbem-18927	25	22	operation	operation	NOUN
fbem-18927	25	23	of	of	ADP
fbem-18927	25	24	p2p	p2p	NOUN
fbem-18927	25	25	online	online	ADJ
fbem-18927	25	26	lending	lending	NOUN
fbem-18927	25	27	is	be	AUX
fbem-18927	25	28	likely	likely	ADJ
fbem-18927	25	29	to	to	PART
fbem-18927	25	30	form	form	VERB
fbem-18927	25	31	a	a	DET
fbem-18927	25	32	capital	capital	NOUN
fbem-18927	25	33	pool	pool	NOUN
fbem-18927	26	1	[	[	X
fbem-18927	26	2	3	3	NUM
fbem-18927	26	3	]	]	PUNCT
fbem-18927	26	4	.	.	PUNCT
fbem-18927	27	1	the	the	DET
fbem-18927	27	2	operation	operation	NOUN
fbem-18927	27	3	process	process	NOUN
fbem-18927	27	4	often	often	ADV
fbem-18927	27	5	involves	involve	VERB
fbem-18927	27	6	large	large	ADJ
fbem-18927	27	7	amounts	amount	NOUN
fbem-18927	27	8	of	of	ADP
fbem-18927	27	9	capital	capital	NOUN
fbem-18927	27	10	,	,	PUNCT
fbem-18927	27	11	which	which	PRON
fbem-18927	27	12	may	may	AUX
fbem-18927	27	13	lead	lead	VERB
fbem-18927	27	14	to	to	ADP
fbem-18927	27	15	moral	moral	ADJ
fbem-18927	27	16	hazard	hazard	NOUN
fbem-18927	27	17	.	.	PUNCT
fbem-18927	28	1	some	some	DET
fbem-18927	28	2	scholars	scholar	NOUN
fbem-18927	28	3	believe	believe	VERB
fbem-18927	28	4	that	that	SCONJ
fbem-18927	28	5	the	the	DET
fbem-18927	28	6	p2p	p2p	NOUN
fbem-18927	28	7	online	online	ADJ
fbem-18927	28	8	lending	lending	NOUN
fbem-18927	28	9	industry	industry	NOUN
fbem-18927	28	10	urgently	urgently	ADV
fbem-18927	28	11	needs	need	VERB
fbem-18927	28	12	to	to	PART
fbem-18927	28	13	clear	clear	VERB
fbem-18927	28	14	the	the	DET
fbem-18927	28	15	source	source	NOUN
fbem-18927	28	16	,	,	PUNCT
fbem-18927	28	17	clarify	clarify	VERB
fbem-18927	28	18	the	the	DET
fbem-18927	28	19	positioning	positioning	NOUN
fbem-18927	28	20	of	of	ADP
fbem-18927	28	21	platform	platform	NOUN
fbem-18927	28	22	information	information	NOUN
fbem-18927	28	23	intermediaries	intermediary	NOUN
fbem-18927	28	24	[	[	X
fbem-18927	28	25	4	4	NUM
fbem-18927	28	26	]	]	PUNCT
fbem-18927	28	27	,	,	PUNCT
fbem-18927	28	28	further	far	ADV
fbem-18927	28	29	regulate	regulate	VERB
fbem-18927	28	30	the	the	DET
fbem-18927	28	31	operation	operation	NOUN
fbem-18927	28	32	,	,	PUNCT
fbem-18927	28	33	rectify	rectify	VERB
fbem-18927	28	34	the	the	DET
fbem-18927	28	35	existing	exist	VERB
fbem-18927	28	36	platforms	platform	NOUN
fbem-18927	28	37	,	,	PUNCT
fbem-18927	28	38	and	and	CCONJ
fbem-18927	28	39	accelerate	accelerate	VERB
fbem-18927	28	40	the	the	DET
fbem-18927	28	41	removal	removal	NOUN
fbem-18927	28	42	of	of	ADP
fbem-18927	28	43	bad	bad	ADJ
fbem-18927	28	44	platforms	platform	NOUN
fbem-18927	28	45	,	,	PUNCT
fbem-18927	28	46	so	so	SCONJ
fbem-18927	28	47	as	as	SCONJ
fbem-18927	28	48	to	to	PART
fbem-18927	28	49	promote	promote	VERB
fbem-18927	28	50	the	the	DET
fbem-18927	28	51	development	development	NOUN
fbem-18927	28	52	of	of	ADP
fbem-18927	28	53	the	the	DET
fbem-18927	28	54	industry	industry	NOUN
fbem-18927	28	55	and	and	CCONJ
fbem-18927	28	56	help	help	VERB
fbem-18927	28	57	inclusive	inclusive	ADJ
fbem-18927	28	58	finance	finance	NOUN
fbem-18927	28	59	[	[	X
fbem-18927	28	60	5	5	NUM
fbem-18927	28	61	]	]	PUNCT
fbem-18927	28	62	.	.	PUNCT
fbem-18927	29	1	in	in	ADP
fbem-18927	29	2	terms	term	NOUN
fbem-18927	29	3	of	of	ADP
fbem-18927	29	4	p2p	p2p	NOUN
fbem-18927	29	5	supervision	supervision	NOUN
fbem-18927	29	6	,	,	PUNCT
fbem-18927	29	7	chen	chen	PROPN
fbem-18927	29	8	qian	qian	PROPN
fbem-18927	29	9	believes	believe	VERB
fbem-18927	29	10	that	that	SCONJ
fbem-18927	29	11	the	the	DET
fbem-18927	29	12	main	main	ADJ
fbem-18927	29	13	external	external	ADJ
fbem-18927	29	14	reasons	reason	NOUN
fbem-18927	29	15	for	for	ADP
fbem-18927	29	16	the	the	DET
fbem-18927	29	17	continuous	continuous	ADJ
fbem-18927	29	18	problems	problem	NOUN
fbem-18927	29	19	in	in	ADP
fbem-18927	29	20	china	china	PROPN
fbem-18927	29	21	's	's	PART
fbem-18927	29	22	p2p	p2p	NOUN
fbem-18927	29	23	online	online	ADJ
fbem-18927	29	24	lending	lending	NOUN
fbem-18927	29	25	industry	industry	NOUN
fbem-18927	29	26	are	be	AUX
fbem-18927	29	27	inadequate	inadequate	ADJ
fbem-18927	29	28	supervision	supervision	NOUN
fbem-18927	29	29	by	by	ADP
fbem-18927	29	30	regulatory	regulatory	ADJ
fbem-18927	29	31	authorities	authority	NOUN
fbem-18927	29	32	and	and	CCONJ
fbem-18927	29	33	imperfect	imperfect	ADJ
fbem-18927	29	34	credit	credit	NOUN
fbem-18927	29	35	investigation	investigation	NOUN
fbem-18927	29	36	system	system	NOUN
fbem-18927	29	37	[	[	X
fbem-18927	29	38	6	6	NUM
fbem-18927	29	39	]	]	PUNCT
fbem-18927	29	40	.	.	PUNCT
fbem-18927	30	1	the	the	DET
fbem-18927	30	2	main	main	ADJ
fbem-18927	30	3	internal	internal	ADJ
fbem-18927	30	4	reasons	reason	NOUN
fbem-18927	30	5	are	be	AUX
fbem-18927	30	6	inadequate	inadequate	ADJ
fbem-18927	30	7	or	or	CCONJ
fbem-18927	30	8	even	even	ADV
fbem-18927	30	9	lack	lack	NOUN
fbem-18927	30	10	of	of	ADP
fbem-18927	30	11	internal	internal	ADJ
fbem-18927	30	12	risk	risk	NOUN
fbem-18927	30	13	control	control	NOUN
fbem-18927	30	14	of	of	ADP
fbem-18927	30	15	relevant	relevant	ADJ
fbem-18927	30	16	platforms	platform	NOUN
fbem-18927	30	17	,	,	PUNCT
fbem-18927	30	18	improper	improper	ADJ
fbem-18927	30	19	fund	fund	NOUN
fbem-18927	30	20	supervision	supervision	NOUN
fbem-18927	30	21	leading	lead	VERB
fbem-18927	30	22	to	to	ADP
fbem-18927	30	23	concerns	concern	NOUN
fbem-18927	30	24	about	about	ADP
fbem-18927	30	25	fund	fund	NOUN
fbem-18927	30	26	safety	safety	NOUN
fbem-18927	30	27	,	,	PUNCT
fbem-18927	30	28	insufficient	insufficient	ADJ
fbem-18927	30	29	capacity	capacity	NOUN
fbem-18927	30	30	of	of	ADP
fbem-18927	30	31	industry	industry	NOUN
fbem-18927	30	32	participants	participant	NOUN
fbem-18927	30	33	,	,	PUNCT
fbem-18927	30	34	and	and	CCONJ
fbem-18927	30	35	technical	technical	ADJ
fbem-18927	30	36	security	security	NOUN
fbem-18927	30	37	problems	problem	NOUN
fbem-18927	30	38	of	of	ADP
fbem-18927	30	39	platforms	platform	NOUN
fbem-18927	30	40	[	[	X
fbem-18927	30	41	7	7	NUM
fbem-18927	30	42	]	]	PUNCT
fbem-18927	30	43	.	.	PUNCT
fbem-18927	31	1	ruan	ruan	PROPN
fbem-18927	31	2	hongling	hongling	PROPN
fbem-18927	31	3	believes	believe	VERB
fbem-18927	31	4	that	that	SCONJ
fbem-18927	31	5	p2p	p2p	PROPN
fbem-18927	31	6	online	online	ADJ
fbem-18927	31	7	lending	lending	NOUN
fbem-18927	31	8	,	,	PUNCT
fbem-18927	31	9	as	as	ADP
fbem-18927	31	10	a	a	DET
fbem-18927	31	11	part	part	NOUN
fbem-18927	31	12	of	of	ADP
fbem-18927	31	13	china	china	PROPN
fbem-18927	31	14	's	's	PART
fbem-18927	31	15	financial	financial	ADJ
fbem-18927	31	16	system	system	NOUN
fbem-18927	31	17	,	,	PUNCT
fbem-18927	31	18	plays	play	VERB
fbem-18927	31	19	an	an	DET
fbem-18927	31	20	important	important	ADJ
fbem-18927	31	21	role	role	NOUN
fbem-18927	31	22	in	in	ADP
fbem-18927	31	23	the	the	DET
fbem-18927	31	24	development	development	NOUN
fbem-18927	31	25	of	of	ADP
fbem-18927	31	26	inclusive	inclusive	ADJ
fbem-18927	31	27	finance	finance	NOUN
fbem-18927	31	28	,	,	PUNCT
fbem-18927	31	29	which	which	PRON
fbem-18927	31	30	can	can	AUX
fbem-18927	31	31	meet	meet	VERB
fbem-18927	31	32	the	the	DET
fbem-18927	31	33	financing	financing	NOUN
fbem-18927	31	34	needs	need	NOUN
fbem-18927	31	35	of	of	ADP
fbem-18927	31	36	small	small	ADJ
fbem-18927	31	37	and	and	CCONJ
fbem-18927	31	38	micro	micro	ADJ
fbem-18927	31	39	enterprises	enterprise	NOUN
fbem-18927	31	40	,	,	PUNCT
fbem-18927	31	41	play	play	VERB
fbem-18927	31	42	the	the	DET
fbem-18927	31	43	role	role	NOUN
fbem-18927	31	44	of	of	ADP
fbem-18927	31	45	private	private	ADJ
fbem-18927	31	46	capital	capital	NOUN
fbem-18927	31	47	investment	investment	NOUN
fbem-18927	31	48	,	,	PUNCT
fbem-18927	31	49	and	and	CCONJ
fbem-18927	31	50	have	have	VERB
fbem-18927	31	51	a	a	DET
fbem-18927	31	52	positive	positive	ADJ
fbem-18927	31	53	impact	impact	NOUN
fbem-18927	31	54	on	on	ADP
fbem-18927	31	55	the	the	DET
fbem-18927	31	56	competition	competition	NOUN
fbem-18927	31	57	and	and	CCONJ
fbem-18927	31	58	development	development	NOUN
fbem-18927	31	59	of	of	ADP
fbem-18927	31	60	the	the	DET
fbem-18927	31	61	industry	industry	NOUN
fbem-18927	31	62	[	[	X
fbem-18927	31	63	4	4	NUM
fbem-18927	31	64	]	]	PUNCT
fbem-18927	31	65	.	.	PUNCT
fbem-18927	32	1	therefore	therefore	ADV
fbem-18927	32	2	,	,	PUNCT
fbem-18927	32	3	it	it	PRON
fbem-18927	32	4	is	be	AUX
fbem-18927	32	5	very	very	ADV
fbem-18927	32	6	important	important	ADJ
fbem-18927	32	7	to	to	PART
fbem-18927	32	8	strengthen	strengthen	VERB
fbem-18927	32	9	the	the	DET
fbem-18927	32	10	local	local	ADJ
fbem-18927	32	11	supervision	supervision	NOUN
fbem-18927	32	12	of	of	ADP
fbem-18927	32	13	p2p	p2p	NOUN
fbem-18927	32	14	online	online	ADJ
fbem-18927	32	15	339	339	NUM
fbem-18927	32	16	lending	lending	NOUN
fbem-18927	32	17	.	.	PUNCT
fbem-18927	33	1	wang	wang	PROPN
fbem-18927	33	2	renxiang	renxiang	PROPN
fbem-18927	33	3	and	and	CCONJ
fbem-18927	33	4	zhan	zhan	PROPN
fbem-18927	33	5	yuanzhuang	yuanzhuang	PROPN
fbem-18927	33	6	believe	believe	VERB
fbem-18927	33	7	that	that	SCONJ
fbem-18927	33	8	the	the	DET
fbem-18927	33	9	virtual	virtual	ADJ
fbem-18927	33	10	characteristics	characteristic	NOUN
fbem-18927	33	11	of	of	ADP
fbem-18927	33	12	the	the	DET
fbem-18927	33	13	network	network	NOUN
fbem-18927	33	14	also	also	ADV
fbem-18927	33	15	exist	exist	VERB
fbem-18927	33	16	in	in	ADP
fbem-18927	33	17	p2p	p2p	NOUN
fbem-18927	33	18	online	online	ADJ
fbem-18927	33	19	lending	lending	NOUN
fbem-18927	33	20	platforms	platform	NOUN
fbem-18927	33	21	,	,	PUNCT
fbem-18927	33	22	and	and	CCONJ
fbem-18927	33	23	information	information	NOUN
fbem-18927	33	24	asymmetry	asymmetry	NOUN
fbem-18927	33	25	makes	make	VERB
fbem-18927	33	26	p2p	p2p	PRON
fbem-18927	33	27	online	online	ADJ
fbem-18927	33	28	lending	lending	NOUN
fbem-18927	33	29	easy	easy	ADJ
fbem-18927	33	30	to	to	PART
fbem-18927	33	31	lead	lead	VERB
fbem-18927	33	32	to	to	ADP
fbem-18927	33	33	regional	regional	ADJ
fbem-18927	33	34	financial	financial	ADJ
fbem-18927	33	35	risks	risk	NOUN
fbem-18927	33	36	and	and	CCONJ
fbem-18927	33	37	may	may	AUX
fbem-18927	33	38	also	also	ADV
fbem-18927	33	39	exist	exist	VERB
fbem-18927	33	40	investment	investment	NOUN
fbem-18927	33	41	fraud	fraud	NOUN
fbem-18927	33	42	.	.	PUNCT
fbem-18927	34	1	improving	improve	VERB
fbem-18927	34	2	local	local	ADJ
fbem-18927	34	3	regulatory	regulatory	ADJ
fbem-18927	34	4	policies	policy	NOUN
fbem-18927	34	5	will	will	AUX
fbem-18927	34	6	help	help	VERB
fbem-18927	34	7	avoid	avoid	VERB
fbem-18927	34	8	relevant	relevant	ADJ
fbem-18927	34	9	risks	risk	NOUN
fbem-18927	34	10	[	[	X
fbem-18927	34	11	8	8	NUM
fbem-18927	34	12	]	]	PUNCT
fbem-18927	34	13	.	.	PUNCT
fbem-18927	35	1	in	in	ADP
fbem-18927	35	2	recent	recent	ADJ
fbem-18927	35	3	years	year	NOUN
fbem-18927	35	4	,	,	PUNCT
fbem-18927	35	5	our	our	PRON
fbem-18927	35	6	country	country	NOUN
fbem-18927	35	7	has	have	AUX
fbem-18927	35	8	achieved	achieve	VERB
fbem-18927	35	9	some	some	DET
fbem-18927	35	10	achievements	achievement	NOUN
fbem-18927	35	11	in	in	ADP
fbem-18927	35	12	local	local	ADJ
fbem-18927	35	13	financial	financial	ADJ
fbem-18927	35	14	supervision	supervision	NOUN
fbem-18927	35	15	.	.	PUNCT
fbem-18927	36	1	however	however	ADV
fbem-18927	36	2	,	,	PUNCT
fbem-18927	36	3	the	the	DET
fbem-18927	36	4	regulatory	regulatory	ADJ
fbem-18927	36	5	development	development	NOUN
fbem-18927	36	6	policies	policy	NOUN
fbem-18927	36	7	of	of	ADP
fbem-18927	36	8	internet	internet	NOUN
fbem-18927	36	9	finance	finance	NOUN
fbem-18927	36	10	are	be	AUX
fbem-18927	36	11	homogeneous	homogeneous	ADJ
fbem-18927	36	12	and	and	CCONJ
fbem-18927	36	13	fragmented	fragmented	ADJ
fbem-18927	36	14	,	,	PUNCT
fbem-18927	36	15	and	and	CCONJ
fbem-18927	36	16	there	there	PRON
fbem-18927	36	17	is	be	VERB
fbem-18927	36	18	still	still	ADV
fbem-18927	36	19	a	a	DET
fbem-18927	36	20	lot	lot	NOUN
fbem-18927	36	21	of	of	ADP
fbem-18927	36	22	room	room	NOUN
fbem-18927	36	23	for	for	ADP
fbem-18927	36	24	improvement	improvement	NOUN
fbem-18927	36	25	,	,	PUNCT
fbem-18927	36	26	which	which	PRON
fbem-18927	36	27	needs	need	VERB
fbem-18927	36	28	to	to	PART
fbem-18927	36	29	be	be	AUX
fbem-18927	36	30	further	far	ADV
fbem-18927	36	31	strengthened	strengthen	VERB
fbem-18927	36	32	in	in	ADP
fbem-18927	36	33	terms	term	NOUN
fbem-18927	36	34	of	of	ADP
fbem-18927	36	35	the	the	DET
fbem-18927	36	36	positioning	positioning	NOUN
fbem-18927	36	37	of	of	ADP
fbem-18927	36	38	regulatory	regulatory	ADJ
fbem-18927	36	39	bodies	body	NOUN
fbem-18927	36	40	,	,	PUNCT
fbem-18927	36	41	the	the	DET
fbem-18927	36	42	division	division	NOUN
fbem-18927	36	43	of	of	ADP
fbem-18927	36	44	responsibilities	responsibility	NOUN
fbem-18927	36	45	,	,	PUNCT
fbem-18927	36	46	and	and	CCONJ
fbem-18927	36	47	the	the	DET
fbem-18927	36	48	ability	ability	NOUN
fbem-18927	36	49	to	to	PART
fbem-18927	36	50	perform	perform	VERB
fbem-18927	36	51	duties	duty	NOUN
fbem-18927	36	52	.	.	PUNCT
fbem-18927	37	1	3	3	X
fbem-18927	37	2	.	.	X
fbem-18927	37	3	the	the	DET
fbem-18927	37	4	development	development	NOUN
fbem-18927	37	5	of	of	ADP
fbem-18927	37	6	p2p	p2p	NOUN
fbem-18927	37	7	online	online	ADV
fbem-18927	37	8	lending	lend	VERB
fbem-18927	37	9	the	the	DET
fbem-18927	37	10	period	period	NOUN
fbem-18927	37	11	from	from	ADP
fbem-18927	37	12	2007	2007	NUM
fbem-18927	37	13	to	to	ADP
fbem-18927	37	14	2011	2011	NUM
fbem-18927	37	15	was	be	AUX
fbem-18927	37	16	the	the	DET
fbem-18927	37	17	embryonic	embryonic	ADJ
fbem-18927	37	18	stage	stage	NOUN
fbem-18927	37	19	of	of	ADP
fbem-18927	37	20	the	the	DET
fbem-18927	37	21	development	development	NOUN
fbem-18927	37	22	of	of	ADP
fbem-18927	37	23	p2p	p2p	NOUN
fbem-18927	37	24	.	.	PUNCT
fbem-18927	38	1	in	in	ADP
fbem-18927	38	2	this	this	DET
fbem-18927	38	3	stage	stage	NOUN
fbem-18927	38	4	,	,	PUNCT
fbem-18927	38	5	p2p	p2p	NOUN
fbem-18927	38	6	online	online	ADJ
fbem-18927	38	7	lending	lending	NOUN
fbem-18927	38	8	platform	platform	NOUN
fbem-18927	38	9	only	only	ADV
fbem-18927	38	10	provided	provide	VERB
fbem-18927	38	11	information	information	NOUN
fbem-18927	38	12	services	service	NOUN
fbem-18927	38	13	for	for	ADP
fbem-18927	38	14	both	both	DET
fbem-18927	38	15	lenders	lender	NOUN
fbem-18927	38	16	and	and	CCONJ
fbem-18927	38	17	borrowers	borrower	NOUN
fbem-18927	38	18	,	,	PUNCT
fbem-18927	38	19	and	and	CCONJ
fbem-18927	38	20	promoted	promote	VERB
fbem-18927	38	21	the	the	DET
fbem-18927	38	22	direct	direct	ADJ
fbem-18927	38	23	lending	lending	NOUN
fbem-18927	38	24	of	of	ADP
fbem-18927	38	25	different	different	ADJ
fbem-18927	38	26	entities	entity	NOUN
fbem-18927	38	27	through	through	ADP
fbem-18927	38	28	the	the	DET
fbem-18927	38	29	platform	platform	NOUN
fbem-18927	38	30	,	,	PUNCT
fbem-18927	38	31	which	which	PRON
fbem-18927	38	32	neither	neither	CCONJ
fbem-18927	38	33	took	take	VERB
fbem-18927	38	34	deposits	deposit	NOUN
fbem-18927	38	35	nor	nor	CCONJ
fbem-18927	38	36	lent	lend	VERB
fbem-18927	38	37	money	money	NOUN
fbem-18927	38	38	.	.	PUNCT
fbem-18927	39	1	from	from	ADP
fbem-18927	39	2	2012	2012	NUM
fbem-18927	39	3	to	to	ADP
fbem-18927	39	4	2015	2015	NUM
fbem-18927	39	5	,	,	PUNCT
fbem-18927	39	6	china	china	PROPN
fbem-18927	39	7	's	's	PART
fbem-18927	39	8	p2p	p2p	NOUN
fbem-18927	39	9	online	online	ADJ
fbem-18927	39	10	lending	lending	NOUN
fbem-18927	39	11	industry	industry	NOUN
fbem-18927	39	12	developed	develop	VERB
fbem-18927	39	13	rapidly	rapidly	ADV
fbem-18927	39	14	,	,	PUNCT
fbem-18927	39	15	the	the	DET
fbem-18927	39	16	number	number	NOUN
fbem-18927	39	17	and	and	CCONJ
fbem-18927	39	18	scale	scale	NOUN
fbem-18927	39	19	of	of	ADP
fbem-18927	39	20	platforms	platform	NOUN
fbem-18927	39	21	continued	continue	VERB
fbem-18927	39	22	to	to	PART
fbem-18927	39	23	expand	expand	VERB
fbem-18927	39	24	,	,	PUNCT
fbem-18927	39	25	and	and	CCONJ
fbem-18927	39	26	the	the	DET
fbem-18927	39	27	business	business	NOUN
fbem-18927	39	28	model	model	NOUN
fbem-18927	39	29	became	become	VERB
fbem-18927	39	30	more	more	ADV
fbem-18927	39	31	mature	mature	ADJ
fbem-18927	39	32	and	and	CCONJ
fbem-18927	39	33	diversified	diversified	ADJ
fbem-18927	39	34	.	.	PUNCT
fbem-18927	40	1	many	many	ADJ
fbem-18927	40	2	large	large	ADJ
fbem-18927	40	3	state	state	NOUN
fbem-18927	40	4	-	-	PUNCT
fbem-18927	40	5	owned	own	VERB
fbem-18927	40	6	banks	bank	NOUN
fbem-18927	40	7	and	and	CCONJ
fbem-18927	40	8	state	state	NOUN
fbem-18927	40	9	-	-	PUNCT
fbem-18927	40	10	owned	own	VERB
fbem-18927	40	11	enterprises	enterprise	NOUN
fbem-18927	40	12	have	have	AUX
fbem-18927	40	13	gradually	gradually	ADV
fbem-18927	40	14	participated	participate	VERB
fbem-18927	40	15	in	in	ADP
fbem-18927	40	16	the	the	DET
fbem-18927	40	17	process	process	NOUN
fbem-18927	40	18	,	,	PUNCT
fbem-18927	40	19	integrating	integrate	VERB
fbem-18927	40	20	more	more	ADJ
fbem-18927	40	21	"	"	PUNCT
fbem-18927	40	22	chinese	chinese	ADJ
fbem-18927	40	23	elements	element	NOUN
fbem-18927	40	24	"	"	PUNCT
fbem-18927	40	25	,	,	PUNCT
fbem-18927	40	26	and	and	CCONJ
fbem-18927	40	27	have	have	AUX
fbem-18927	40	28	begun	begin	VERB
fbem-18927	40	29	to	to	PART
fbem-18927	40	30	sell	sell	VERB
fbem-18927	40	31	financial	financial	ADJ
fbem-18927	40	32	products	product	NOUN
fbem-18927	40	33	,	,	PUNCT
fbem-18927	40	34	which	which	PRON
fbem-18927	40	35	are	be	AUX
fbem-18927	40	36	rapidly	rapidly	ADV
fbem-18927	40	37	becoming	become	VERB
fbem-18927	40	38	offline	offline	ADJ
fbem-18927	40	39	and	and	CCONJ
fbem-18927	40	40	popular	popular	ADJ
fbem-18927	40	41	.	.	PUNCT
fbem-18927	41	1	it	it	PRON
fbem-18927	41	2	was	be	AUX
fbem-18927	41	3	also	also	ADV
fbem-18927	41	4	at	at	ADP
fbem-18927	41	5	this	this	DET
fbem-18927	41	6	stage	stage	NOUN
fbem-18927	41	7	that	that	PRON
fbem-18927	41	8	the	the	DET
fbem-18927	41	9	regulatory	regulatory	ADJ
fbem-18927	41	10	policies	policy	NOUN
fbem-18927	41	11	of	of	ADP
fbem-18927	41	12	banks	bank	NOUN
fbem-18927	41	13	were	be	AUX
fbem-18927	41	14	not	not	PART
fbem-18927	41	15	sufficiently	sufficiently	ADV
fbem-18927	41	16	implemented	implement	VERB
fbem-18927	41	17	,	,	PUNCT
fbem-18927	41	18	and	and	CCONJ
fbem-18927	41	19	p2p	p2p	NOUN
fbem-18927	41	20	online	online	ADJ
fbem-18927	41	21	lending	lending	NOUN
fbem-18927	41	22	enterprises	enterprise	NOUN
fbem-18927	41	23	evolved	evolve	VERB
fbem-18927	41	24	from	from	ADP
fbem-18927	41	25	information	information	NOUN
fbem-18927	41	26	intermediaries	intermediary	NOUN
fbem-18927	41	27	into	into	ADP
fbem-18927	41	28	credit	credit	NOUN
fbem-18927	41	29	intermediaries	intermediary	NOUN
fbem-18927	41	30	,	,	PUNCT
fbem-18927	41	31	illegally	illegally	ADV
fbem-18927	41	32	forming	form	VERB
fbem-18927	41	33	capital	capital	NOUN
fbem-18927	41	34	pools	pool	NOUN
fbem-18927	41	35	through	through	ADP
fbem-18927	41	36	the	the	DET
fbem-18927	41	37	sale	sale	NOUN
fbem-18927	41	38	of	of	ADP
fbem-18927	41	39	financial	financial	ADJ
fbem-18927	41	40	products	product	NOUN
fbem-18927	41	41	,	,	PUNCT
fbem-18927	41	42	thus	thus	ADV
fbem-18927	41	43	accumulating	accumulate	VERB
fbem-18927	41	44	a	a	DET
fbem-18927	41	45	large	large	ADJ
fbem-18927	41	46	number	number	NOUN
fbem-18927	41	47	of	of	ADP
fbem-18927	41	48	financial	financial	ADJ
fbem-18927	41	49	risks	risk	NOUN
fbem-18927	41	50	.	.	PUNCT
fbem-18927	42	1	since	since	SCONJ
fbem-18927	42	2	2016	2016	NUM
fbem-18927	42	3	,	,	PUNCT
fbem-18927	42	4	china	china	PROPN
fbem-18927	42	5	has	have	AUX
fbem-18927	42	6	carried	carry	VERB
fbem-18927	42	7	out	out	ADP
fbem-18927	42	8	a	a	DET
fbem-18927	42	9	centralized	centralized	ADJ
fbem-18927	42	10	rectification	rectification	NOUN
fbem-18927	42	11	of	of	ADP
fbem-18927	42	12	the	the	DET
fbem-18927	42	13	p2p	p2p	NOUN
fbem-18927	42	14	online	online	ADJ
fbem-18927	42	15	lending	lending	NOUN
fbem-18927	42	16	industry	industry	NOUN
fbem-18927	42	17	,	,	PUNCT
fbem-18927	42	18	but	but	CCONJ
fbem-18927	42	19	in	in	ADP
fbem-18927	42	20	the	the	DET
fbem-18927	42	21	rectification	rectification	NOUN
fbem-18927	42	22	process	process	NOUN
fbem-18927	42	23	,	,	PUNCT
fbem-18927	42	24	there	there	PRON
fbem-18927	42	25	are	be	VERB
fbem-18927	42	26	still	still	ADV
fbem-18927	42	27	many	many	ADJ
fbem-18927	42	28	p2p	p2p	NOUN
fbem-18927	42	29	online	online	ADJ
fbem-18927	42	30	lending	lending	NOUN
fbem-18927	42	31	platforms	platform	NOUN
fbem-18927	42	32	that	that	PRON
fbem-18927	42	33	do	do	AUX
fbem-18927	42	34	not	not	PART
fbem-18927	42	35	operate	operate	VERB
fbem-18927	42	36	in	in	ADP
fbem-18927	42	37	accordance	accordance	NOUN
fbem-18927	42	38	with	with	ADP
fbem-18927	42	39	the	the	DET
fbem-18927	42	40	regulations	regulation	NOUN
fbem-18927	42	41	.	.	PUNCT
fbem-18927	43	1	in	in	ADP
fbem-18927	43	2	june	june	PROPN
fbem-18927	43	3	2018	2018	NUM
fbem-18927	43	4	,	,	PUNCT
fbem-18927	43	5	p2p	p2p	NOUN
fbem-18927	43	6	online	online	ADJ
fbem-18927	43	7	lending	lending	NOUN
fbem-18927	43	8	enterprises	enterprise	NOUN
fbem-18927	43	9	concentrated	concentrate	VERB
fbem-18927	43	10	thunder	thunder	NOUN
fbem-18927	43	11	,	,	PUNCT
fbem-18927	43	12	there	there	PRON
fbem-18927	43	13	was	be	VERB
fbem-18927	43	14	a	a	DET
fbem-18927	43	15	surge	surge	NOUN
fbem-18927	43	16	of	of	ADP
fbem-18927	43	17	thunder	thunder	NOUN
fbem-18927	43	18	,	,	PUNCT
fbem-18927	43	19	which	which	PRON
fbem-18927	43	20	also	also	ADV
fbem-18927	43	21	indirectly	indirectly	ADV
fbem-18927	43	22	accelerated	accelerate	VERB
fbem-18927	43	23	the	the	DET
fbem-18927	43	24	liquidation	liquidation	NOUN
fbem-18927	43	25	of	of	ADP
fbem-18927	43	26	p2p	p2p	NOUN
fbem-18927	43	27	online	online	ADJ
fbem-18927	43	28	lending	lending	NOUN
fbem-18927	43	29	enterprises	enterprise	NOUN
fbem-18927	43	30	in	in	ADP
fbem-18927	43	31	china	china	PROPN
fbem-18927	43	32	.	.	PUNCT
fbem-18927	44	1	in	in	ADP
fbem-18927	44	2	july	july	PROPN
fbem-18927	44	3	2019	2019	NUM
fbem-18927	44	4	,	,	PUNCT
fbem-18927	44	5	lujin	lujin	NOUN
fbem-18927	44	6	announced	announce	VERB
fbem-18927	44	7	the	the	DET
fbem-18927	44	8	cessation	cessation	NOUN
fbem-18927	44	9	of	of	ADP
fbem-18927	44	10	online	online	ADJ
fbem-18927	44	11	lending	lending	NOUN
fbem-18927	44	12	business	business	NOUN
fbem-18927	44	13	,	,	PUNCT
fbem-18927	44	14	which	which	PRON
fbem-18927	44	15	was	be	AUX
fbem-18927	44	16	interpreted	interpret	VERB
fbem-18927	44	17	by	by	ADP
fbem-18927	44	18	the	the	DET
fbem-18927	44	19	industry	industry	NOUN
fbem-18927	44	20	as	as	ADP
fbem-18927	44	21	a	a	DET
fbem-18927	44	22	signal	signal	NOUN
fbem-18927	44	23	of	of	ADP
fbem-18927	44	24	the	the	DET
fbem-18927	44	25	termination	termination	NOUN
fbem-18927	44	26	of	of	ADP
fbem-18927	44	27	the	the	DET
fbem-18927	44	28	record	record	NOUN
fbem-18927	44	29	.	.	PUNCT
fbem-18927	45	1	in	in	ADP
fbem-18927	45	2	november	november	PROPN
fbem-18927	45	3	2020	2020	NUM
fbem-18927	45	4	,	,	PUNCT
fbem-18927	45	5	the	the	DET
fbem-18927	45	6	central	central	ADJ
fbem-18927	45	7	bank	bank	NOUN
fbem-18927	45	8	announced	announce	VERB
fbem-18927	45	9	the	the	DET
fbem-18927	45	10	complete	complete	ADJ
fbem-18927	45	11	liquidation	liquidation	NOUN
fbem-18927	45	12	of	of	ADP
fbem-18927	45	13	p2p	p2p	NOUN
fbem-18927	45	14	online	online	ADJ
fbem-18927	45	15	lending	lending	NOUN
fbem-18927	45	16	enterprises	enterprise	NOUN
fbem-18927	45	17	.	.	PUNCT
fbem-18927	46	1	this	this	PRON
fbem-18927	46	2	has	have	AUX
fbem-18927	46	3	ended	end	VERB
fbem-18927	46	4	the	the	DET
fbem-18927	46	5	development	development	NOUN
fbem-18927	46	6	of	of	ADP
fbem-18927	46	7	p2p	p2p	NOUN
fbem-18927	46	8	industry	industry	NOUN
fbem-18927	46	9	in	in	ADP
fbem-18927	46	10	china	china	PROPN
fbem-18927	46	11	for	for	ADP
fbem-18927	46	12	more	more	ADJ
fbem-18927	46	13	than	than	ADP
fbem-18927	46	14	ten	ten	NUM
fbem-18927	46	15	years	year	NOUN
fbem-18927	46	16	.	.	PUNCT
fbem-18927	47	1	p2p	p2p	NOUN
fbem-18927	47	2	industry	industry	NOUN
fbem-18927	47	3	from	from	ADP
fbem-18927	47	4	the	the	DET
fbem-18927	47	5	rise	rise	NOUN
fbem-18927	47	6	to	to	ADP
fbem-18927	47	7	the	the	DET
fbem-18927	47	8	exit	exit	NOUN
fbem-18927	47	9	of	of	ADP
fbem-18927	47	10	the	the	DET
fbem-18927	47	11	historical	historical	ADJ
fbem-18927	47	12	stage	stage	NOUN
fbem-18927	47	13	,	,	PUNCT
fbem-18927	47	14	which	which	PRON
fbem-18927	47	15	contains	contain	VERB
fbem-18927	47	16	many	many	ADJ
fbem-18927	47	17	opportunities	opportunity	NOUN
fbem-18927	47	18	and	and	CCONJ
fbem-18927	47	19	pitfalls	pitfall	NOUN
fbem-18927	47	20	,	,	PUNCT
fbem-18927	47	21	we	we	PRON
fbem-18927	47	22	only	only	ADV
fbem-18927	47	23	learn	learn	VERB
fbem-18927	47	24	the	the	DET
fbem-18927	47	25	redeeming	redeem	VERB
fbem-18927	47	26	advantages	advantage	NOUN
fbem-18927	47	27	of	of	ADP
fbem-18927	47	28	p2p	p2p	NOUN
fbem-18927	47	29	,	,	PUNCT
fbem-18927	47	30	see	see	VERB
fbem-18927	47	31	the	the	DET
fbem-18927	47	32	shortcomings	shortcoming	NOUN
fbem-18927	47	33	and	and	CCONJ
fbem-18927	47	34	limitations	limitation	NOUN
fbem-18927	47	35	of	of	ADP
fbem-18927	47	36	p2p	p2p	NOUN
fbem-18927	47	37	development	development	NOUN
fbem-18927	47	38	,	,	PUNCT
fbem-18927	47	39	sum	sum	VERB
fbem-18927	47	40	up	up	ADP
fbem-18927	47	41	lessons	lesson	NOUN
fbem-18927	47	42	,	,	PUNCT
fbem-18927	47	43	the	the	DET
fbem-18927	47	44	future	future	NOUN
fbem-18927	47	45	of	of	ADP
fbem-18927	47	46	the	the	DET
fbem-18927	47	47	internet	internet	NOUN
fbem-18927	47	48	finance	finance	NOUN
fbem-18927	47	49	field	field	NOUN
fbem-18927	47	50	can	can	AUX
fbem-18927	47	51	go	go	VERB
fbem-18927	47	52	better	well	ADV
fbem-18927	47	53	and	and	CCONJ
fbem-18927	47	54	further	far	ADV
fbem-18927	47	55	.	.	PUNCT
fbem-18927	48	1	4	4	X
fbem-18927	48	2	.	.	X
fbem-18927	48	3	p2p	p2p	NOUN
fbem-18927	48	4	network	network	NOUN
fbem-18927	48	5	lending	lending	NOUN
fbem-18927	48	6	problems	problem	NOUN
fbem-18927	48	7	4.1	4.1	NUM
fbem-18927	48	8	.	.	PUNCT
fbem-18927	48	9	incomplete	incomplete	ADJ
fbem-18927	48	10	information	information	NOUN
fbem-18927	48	11	disclosure	disclosure	NOUN
fbem-18927	48	12	,	,	PUNCT
fbem-18927	48	13	regulatory	regulatory	ADJ
fbem-18927	48	14	"	"	PUNCT
fbem-18927	48	15	vacuum	vacuum	NOUN
fbem-18927	48	16	zone	zone	NOUN
fbem-18927	48	17	"	"	PUNCT
fbem-18927	48	18	on	on	ADP
fbem-18927	48	19	the	the	DET
fbem-18927	48	20	one	one	NUM
fbem-18927	48	21	hand	hand	NOUN
fbem-18927	48	22	,	,	PUNCT
fbem-18927	48	23	the	the	DET
fbem-18927	48	24	business	business	NOUN
fbem-18927	48	25	model	model	NOUN
fbem-18927	48	26	of	of	ADP
fbem-18927	48	27	online	online	ADJ
fbem-18927	48	28	lending	lending	NOUN
fbem-18927	48	29	determines	determine	VERB
fbem-18927	48	30	that	that	SCONJ
fbem-18927	48	31	in	in	ADP
fbem-18927	48	32	order	order	NOUN
fbem-18927	48	33	to	to	PART
fbem-18927	48	34	expand	expand	VERB
fbem-18927	48	35	the	the	DET
fbem-18927	48	36	scale	scale	NOUN
fbem-18927	48	37	of	of	ADP
fbem-18927	48	38	lending	lending	NOUN
fbem-18927	48	39	as	as	ADV
fbem-18927	48	40	much	much	ADV
fbem-18927	48	41	as	as	ADP
fbem-18927	48	42	possible	possible	ADJ
fbem-18927	48	43	,	,	PUNCT
fbem-18927	48	44	online	online	ADJ
fbem-18927	48	45	lending	lending	NOUN
fbem-18927	48	46	platforms	platform	NOUN
fbem-18927	48	47	often	often	ADV
fbem-18927	48	48	do	do	AUX
fbem-18927	48	49	not	not	PART
fbem-18927	48	50	have	have	VERB
fbem-18927	48	51	rigorous	rigorous	ADJ
fbem-18927	48	52	and	and	CCONJ
fbem-18927	48	53	standardized	standardized	ADJ
fbem-18927	48	54	reviews	review	NOUN
fbem-18927	48	55	of	of	ADP
fbem-18927	48	56	borrowers	borrower	NOUN
fbem-18927	48	57	'	'	PART
fbem-18927	48	58	credit	credit	NOUN
fbem-18927	48	59	status	status	NOUN
fbem-18927	48	60	,	,	PUNCT
fbem-18927	48	61	repayment	repayment	NOUN
fbem-18927	48	62	ability	ability	NOUN
fbem-18927	48	63	and	and	CCONJ
fbem-18927	48	64	other	other	ADJ
fbem-18927	48	65	information	information	NOUN
fbem-18927	48	66	like	like	ADP
fbem-18927	48	67	commercial	commercial	ADJ
fbem-18927	48	68	banks	bank	NOUN
fbem-18927	48	69	.	.	PUNCT
fbem-18927	49	1	at	at	ADP
fbem-18927	49	2	the	the	DET
fbem-18927	49	3	same	same	ADJ
fbem-18927	49	4	time	time	NOUN
fbem-18927	49	5	,	,	PUNCT
fbem-18927	49	6	the	the	DET
fbem-18927	49	7	use	use	NOUN
fbem-18927	49	8	of	of	ADP
fbem-18927	49	9	funds	fund	NOUN
fbem-18927	49	10	and	and	CCONJ
fbem-18927	49	11	project	project	NOUN
fbem-18927	49	12	risks	risk	NOUN
fbem-18927	49	13	of	of	ADP
fbem-18927	49	14	borrowers	borrower	NOUN
fbem-18927	49	15	have	have	AUX
fbem-18927	49	16	not	not	PART
fbem-18927	49	17	been	be	AUX
fbem-18927	49	18	standardized	standardize	VERB
fbem-18927	49	19	and	and	CCONJ
fbem-18927	49	20	investigated	investigate	VERB
fbem-18927	49	21	offline	offline	NOUN
fbem-18927	49	22	,	,	PUNCT
fbem-18927	49	23	and	and	CCONJ
fbem-18927	49	24	investors	investor	NOUN
fbem-18927	49	25	may	may	AUX
fbem-18927	49	26	face	face	VERB
fbem-18927	49	27	huge	huge	ADJ
fbem-18927	49	28	credit	credit	NOUN
fbem-18927	49	29	risks	risk	NOUN
fbem-18927	49	30	and	and	CCONJ
fbem-18927	49	31	default	default	NOUN
fbem-18927	49	32	risks	risk	NOUN
fbem-18927	49	33	.	.	PUNCT
fbem-18927	50	1	the	the	DET
fbem-18927	50	2	serious	serious	ADJ
fbem-18927	50	3	lack	lack	NOUN
fbem-18927	50	4	of	of	ADP
fbem-18927	50	5	information	information	NOUN
fbem-18927	50	6	disclosure	disclosure	NOUN
fbem-18927	50	7	of	of	ADP
fbem-18927	50	8	online	online	ADJ
fbem-18927	50	9	lending	lending	NOUN
fbem-18927	50	10	platforms	platform	NOUN
fbem-18927	50	11	leads	lead	VERB
fbem-18927	50	12	to	to	ADP
fbem-18927	50	13	great	great	ADJ
fbem-18927	50	14	uncertainty	uncertainty	NOUN
fbem-18927	50	15	in	in	ADP
fbem-18927	50	16	the	the	DET
fbem-18927	50	17	security	security	NOUN
fbem-18927	50	18	of	of	ADP
fbem-18927	50	19	funds	fund	NOUN
fbem-18927	50	20	in	in	ADP
fbem-18927	50	21	the	the	DET
fbem-18927	50	22	whole	whole	ADJ
fbem-18927	50	23	process	process	NOUN
fbem-18927	50	24	of	of	ADP
fbem-18927	50	25	online	online	ADJ
fbem-18927	50	26	lending	lending	NOUN
fbem-18927	50	27	,	,	PUNCT
fbem-18927	50	28	which	which	PRON
fbem-18927	50	29	seriously	seriously	ADV
fbem-18927	50	30	limits	limit	VERB
fbem-18927	50	31	the	the	DET
fbem-18927	50	32	development	development	NOUN
fbem-18927	50	33	of	of	ADP
fbem-18927	50	34	online	online	ADJ
fbem-18927	50	35	lending	lending	NOUN
fbem-18927	50	36	.	.	PUNCT
fbem-18927	51	1	on	on	ADP
fbem-18927	51	2	the	the	DET
fbem-18927	51	3	other	other	ADJ
fbem-18927	51	4	hand	hand	NOUN
fbem-18927	51	5	,	,	PUNCT
fbem-18927	51	6	because	because	SCONJ
fbem-18927	51	7	online	online	ADJ
fbem-18927	51	8	lending	lending	NOUN
fbem-18927	51	9	uses	use	VERB
fbem-18927	51	10	the	the	DET
fbem-18927	51	11	internet	internet	NOUN
fbem-18927	51	12	to	to	PART
fbem-18927	51	13	carry	carry	VERB
fbem-18927	51	14	out	out	ADP
fbem-18927	51	15	online	online	ADJ
fbem-18927	51	16	lending	lending	NOUN
fbem-18927	51	17	business	business	NOUN
fbem-18927	51	18	,	,	PUNCT
fbem-18927	51	19	the	the	DET
fbem-18927	51	20	industry	industry	NOUN
fbem-18927	51	21	threshold	threshold	NOUN
fbem-18927	51	22	is	be	AUX
fbem-18927	51	23	relatively	relatively	ADV
fbem-18927	51	24	low	low	ADJ
fbem-18927	51	25	,	,	PUNCT
fbem-18927	51	26	and	and	CCONJ
fbem-18927	51	27	a	a	DET
fbem-18927	51	28	large	large	ADJ
fbem-18927	51	29	number	number	NOUN
fbem-18927	51	30	of	of	ADP
fbem-18927	51	31	non	non	ADJ
fbem-18927	51	32	-	-	ADJ
fbem-18927	51	33	compliant	compliant	ADJ
fbem-18927	51	34	enterprises	enterprise	NOUN
fbem-18927	51	35	rush	rush	VERB
fbem-18927	51	36	into	into	ADP
fbem-18927	51	37	the	the	DET
fbem-18927	51	38	outlet	outlet	NOUN
fbem-18927	51	39	of	of	ADP
fbem-18927	51	40	online	online	ADJ
fbem-18927	51	41	lending	lending	NOUN
fbem-18927	51	42	to	to	PART
fbem-18927	51	43	profit	profit	VERB
fbem-18927	51	44	from	from	ADP
fbem-18927	51	45	it	it	PRON
fbem-18927	51	46	.	.	PUNCT
fbem-18927	52	1	in	in	ADP
fbem-18927	52	2	terms	term	NOUN
fbem-18927	52	3	of	of	ADP
fbem-18927	52	4	policies	policy	NOUN
fbem-18927	52	5	,	,	PUNCT
fbem-18927	52	6	there	there	PRON
fbem-18927	52	7	are	be	VERB
fbem-18927	52	8	no	no	DET
fbem-18927	52	9	legal	legal	ADJ
fbem-18927	52	10	and	and	CCONJ
fbem-18927	52	11	regulatory	regulatory	ADJ
fbem-18927	52	12	restrictions	restriction	NOUN
fbem-18927	52	13	on	on	ADP
fbem-18927	52	14	this	this	DET
fbem-18927	52	15	emerging	emerge	VERB
fbem-18927	52	16	industry	industry	NOUN
fbem-18927	52	17	,	,	PUNCT
fbem-18927	52	18	and	and	CCONJ
fbem-18927	52	19	there	there	PRON
fbem-18927	52	20	are	be	VERB
fbem-18927	52	21	crossdepartmental	crossdepartmental	ADJ
fbem-18927	52	22	cooperation	cooperation	NOUN
fbem-18927	52	23	restrictions	restriction	NOUN
fbem-18927	52	24	in	in	ADP
fbem-18927	52	25	the	the	DET
fbem-18927	52	26	implementation	implementation	NOUN
fbem-18927	52	27	.	.	PUNCT
fbem-18927	53	1	as	as	ADP
fbem-18927	53	2	the	the	DET
fbem-18927	53	3	only	only	ADJ
fbem-18927	53	4	information	information	NOUN
fbem-18927	53	5	and	and	CCONJ
fbem-18927	53	6	business	business	NOUN
fbem-18927	53	7	interface	interface	NOUN
fbem-18927	53	8	between	between	ADP
fbem-18927	53	9	the	the	DET
fbem-18927	53	10	lender	lender	NOUN
fbem-18927	53	11	and	and	CCONJ
fbem-18927	53	12	the	the	DET
fbem-18927	53	13	borrower	borrower	NOUN
fbem-18927	53	14	,	,	PUNCT
fbem-18927	53	15	once	once	SCONJ
fbem-18927	53	16	the	the	DET
fbem-18927	53	17	platform	platform	NOUN
fbem-18927	53	18	is	be	AUX
fbem-18927	53	19	poorly	poorly	ADV
fbem-18927	53	20	operated	operate	VERB
fbem-18927	53	21	and	and	CCONJ
fbem-18927	53	22	there	there	PRON
fbem-18927	53	23	is	be	VERB
fbem-18927	53	24	a	a	DET
fbem-18927	53	25	funding	funding	NOUN
fbem-18927	53	26	gap	gap	NOUN
fbem-18927	53	27	,	,	PUNCT
fbem-18927	53	28	no	no	DET
fbem-18927	53	29	institution	institution	NOUN
fbem-18927	53	30	can	can	AUX
fbem-18927	53	31	cover	cover	VERB
fbem-18927	53	32	the	the	DET
fbem-18927	53	33	business	business	NOUN
fbem-18927	53	34	continuity	continuity	NOUN
fbem-18927	53	35	of	of	ADP
fbem-18927	53	36	the	the	DET
fbem-18927	53	37	online	online	ADJ
fbem-18927	53	38	lending	lending	NOUN
fbem-18927	53	39	platform	platform	NOUN
fbem-18927	53	40	,	,	PUNCT
fbem-18927	53	41	and	and	CCONJ
fbem-18927	53	42	the	the	DET
fbem-18927	53	43	fund	fund	NOUN
fbem-18927	53	44	lender	lender	NOUN
fbem-18927	53	45	faces	face	VERB
fbem-18927	53	46	the	the	DET
fbem-18927	53	47	risk	risk	NOUN
fbem-18927	53	48	of	of	ADP
fbem-18927	53	49	platform	platform	NOUN
fbem-18927	53	50	thunderstorms	thunderstorm	NOUN
fbem-18927	53	51	at	at	ADP
fbem-18927	53	52	any	any	DET
fbem-18927	53	53	time	time	NOUN
fbem-18927	53	54	.	.	PUNCT
fbem-18927	54	1	4.2	4.2	NUM
fbem-18927	54	2	.	.	PUNCT
fbem-18927	55	1	there	there	PRON
fbem-18927	55	2	is	be	VERB
fbem-18927	55	3	a	a	DET
fbem-18927	55	4	risk	risk	NOUN
fbem-18927	55	5	of	of	ADP
fbem-18927	55	6	personal	personal	ADJ
fbem-18927	55	7	information	information	NOUN
fbem-18927	55	8	disclosure	disclosure	NOUN
fbem-18927	55	9	if	if	SCONJ
fbem-18927	55	10	borrowers	borrower	NOUN
fbem-18927	55	11	want	want	VERB
fbem-18927	55	12	to	to	PART
fbem-18927	55	13	borrow	borrow	VERB
fbem-18927	55	14	money	money	NOUN
fbem-18927	55	15	through	through	ADP
fbem-18927	55	16	p2p	p2p	NOUN
fbem-18927	55	17	online	online	ADJ
fbem-18927	55	18	lending	lending	NOUN
fbem-18927	55	19	platforms	platform	NOUN
fbem-18927	55	20	,	,	PUNCT
fbem-18927	55	21	it	it	PRON
fbem-18927	55	22	is	be	AUX
fbem-18927	55	23	inevitable	inevitable	ADJ
fbem-18927	55	24	to	to	PART
fbem-18927	55	25	authorize	authorize	VERB
fbem-18927	55	26	personal	personal	ADJ
fbem-18927	55	27	information	information	NOUN
fbem-18927	55	28	to	to	ADP
fbem-18927	55	29	p2p	p2p	VERB
fbem-18927	55	30	online	online	ADJ
fbem-18927	55	31	lending	lending	NOUN
fbem-18927	55	32	enterprises	enterprise	NOUN
fbem-18927	55	33	.	.	PUNCT
fbem-18927	56	1	a	a	DET
fbem-18927	56	2	survey	survey	NOUN
fbem-18927	56	3	shows	show	VERB
fbem-18927	56	4	that	that	SCONJ
fbem-18927	56	5	many	many	ADJ
fbem-18927	56	6	borrowers	borrower	NOUN
fbem-18927	56	7	have	have	VERB
fbem-18927	56	8	information	information	NOUN
fbem-18927	56	9	leakage	leakage	NOUN
fbem-18927	56	10	.	.	PUNCT
fbem-18927	57	1	in	in	ADP
fbem-18927	57	2	fact	fact	NOUN
fbem-18927	57	3	,	,	PUNCT
fbem-18927	57	4	not	not	PART
fbem-18927	57	5	only	only	ADV
fbem-18927	57	6	in	in	ADP
fbem-18927	57	7	the	the	DET
fbem-18927	57	8	p2p	p2p	NOUN
fbem-18927	57	9	industry	industry	NOUN
fbem-18927	57	10	,	,	PUNCT
fbem-18927	57	11	but	but	CCONJ
fbem-18927	57	12	in	in	ADP
fbem-18927	57	13	the	the	DET
fbem-18927	57	14	entire	entire	ADJ
fbem-18927	57	15	internet	internet	NOUN
fbem-18927	57	16	field	field	NOUN
fbem-18927	57	17	,	,	PUNCT
fbem-18927	57	18	users	user	NOUN
fbem-18927	57	19	'	'	PART
fbem-18927	57	20	personal	personal	ADJ
fbem-18927	57	21	information	information	NOUN
fbem-18927	57	22	is	be	AUX
fbem-18927	57	23	highly	highly	ADV
fbem-18927	57	24	likely	likely	ADJ
fbem-18927	57	25	to	to	PART
fbem-18927	57	26	be	be	AUX
fbem-18927	57	27	leaked	leak	VERB
fbem-18927	57	28	,	,	PUNCT
fbem-18927	57	29	such	such	ADJ
fbem-18927	57	30	as	as	ADP
fbem-18927	57	31	the	the	DET
fbem-18927	57	32	financial	financial	ADJ
fbem-18927	57	33	status	status	NOUN
fbem-18927	57	34	and	and	CCONJ
fbem-18927	57	35	use	use	NOUN
fbem-18927	57	36	of	of	ADP
fbem-18927	57	37	funds	fund	NOUN
fbem-18927	57	38	registered	register	VERB
fbem-18927	57	39	by	by	ADP
fbem-18927	57	40	borrowers	borrower	NOUN
fbem-18927	57	41	and	and	CCONJ
fbem-18927	57	42	lenders	lender	NOUN
fbem-18927	57	43	on	on	ADP
fbem-18927	57	44	online	online	ADJ
fbem-18927	57	45	lending	lending	NOUN
fbem-18927	57	46	platforms	platform	NOUN
fbem-18927	57	47	.	.	PUNCT
fbem-18927	58	1	borrowers	borrower	NOUN
fbem-18927	58	2	do	do	AUX
fbem-18927	58	3	not	not	PART
fbem-18927	58	4	have	have	VERB
fbem-18927	58	5	the	the	DET
fbem-18927	58	6	right	right	NOUN
fbem-18927	58	7	to	to	PART
fbem-18927	58	8	"	"	PUNCT
fbem-18927	58	9	refuse	refuse	VERB
fbem-18927	58	10	"	"	PUNCT
fbem-18927	58	11	the	the	DET
fbem-18927	58	12	exposure	exposure	NOUN
fbem-18927	58	13	of	of	ADP
fbem-18927	58	14	personal	personal	ADJ
fbem-18927	58	15	information	information	NOUN
fbem-18927	58	16	,	,	PUNCT
fbem-18927	58	17	and	and	CCONJ
fbem-18927	58	18	many	many	ADJ
fbem-18927	58	19	users	user	NOUN
fbem-18927	58	20	'	'	PART
fbem-18927	58	21	personal	personal	ADJ
fbem-18927	58	22	information	information	NOUN
fbem-18927	58	23	has	have	AUX
fbem-18927	58	24	been	be	AUX
fbem-18927	58	25	leaked	leak	VERB
fbem-18927	58	26	without	without	ADP
fbem-18927	58	27	their	their	PRON
fbem-18927	58	28	knowledge	knowledge	NOUN
fbem-18927	58	29	.	.	PUNCT
fbem-18927	59	1	therefore	therefore	ADV
fbem-18927	59	2	,	,	PUNCT
fbem-18927	59	3	although	although	SCONJ
fbem-18927	59	4	p2p	p2p	NOUN
fbem-18927	59	5	online	online	ADJ
fbem-18927	59	6	lending	lending	NOUN
fbem-18927	59	7	has	have	AUX
fbem-18927	59	8	withdrawn	withdraw	VERB
fbem-18927	59	9	from	from	ADP
fbem-18927	59	10	the	the	DET
fbem-18927	59	11	stage	stage	NOUN
fbem-18927	59	12	of	of	ADP
fbem-18927	59	13	history	history	NOUN
fbem-18927	59	14	,	,	PUNCT
fbem-18927	59	15	the	the	DET
fbem-18927	59	16	problem	problem	NOUN
fbem-18927	59	17	of	of	ADP
fbem-18927	59	18	personal	personal	ADJ
fbem-18927	59	19	information	information	NOUN
fbem-18927	59	20	disclosure	disclosure	NOUN
fbem-18927	59	21	is	be	AUX
fbem-18927	59	22	still	still	ADV
fbem-18927	59	23	worth	worth	ADJ
fbem-18927	59	24	our	our	PRON
fbem-18927	59	25	attention	attention	NOUN
fbem-18927	59	26	.	.	PUNCT
fbem-18927	60	1	4.3	4.3	NUM
fbem-18927	60	2	.	.	PUNCT
fbem-18927	60	3	high	high	ADJ
fbem-18927	60	4	interest	interest	NOUN
fbem-18927	60	5	rates	rate	NOUN
fbem-18927	60	6	coexist	coexist	VERB
fbem-18927	60	7	with	with	ADP
fbem-18927	60	8	disguised	disguised	ADJ
fbem-18927	60	9	guarantees	guarantee	NOUN
fbem-18927	60	10	in	in	ADP
fbem-18927	60	11	order	order	NOUN
fbem-18927	60	12	to	to	PART
fbem-18927	60	13	improve	improve	VERB
fbem-18927	60	14	business	business	NOUN
fbem-18927	60	15	scale	scale	NOUN
fbem-18927	60	16	and	and	CCONJ
fbem-18927	60	17	profitability	profitability	NOUN
fbem-18927	60	18	,	,	PUNCT
fbem-18927	60	19	many	many	ADJ
fbem-18927	60	20	online	online	ADJ
fbem-18927	60	21	lending	lending	NOUN
fbem-18927	60	22	platforms	platform	NOUN
fbem-18927	60	23	often	often	ADV
fbem-18927	60	24	provide	provide	VERB
fbem-18927	60	25	investors	investor	NOUN
fbem-18927	60	26	with	with	ADP
fbem-18927	60	27	deposit	deposit	NOUN
fbem-18927	60	28	interest	interest	NOUN
fbem-18927	60	29	rates	rate	NOUN
fbem-18927	60	30	much	much	ADV
fbem-18927	60	31	higher	high	ADJ
fbem-18927	60	32	than	than	ADP
fbem-18927	60	33	those	those	PRON
fbem-18927	60	34	of	of	ADP
fbem-18927	60	35	traditional	traditional	ADJ
fbem-18927	60	36	commercial	commercial	ADJ
fbem-18927	60	37	banks	bank	NOUN
fbem-18927	60	38	.	.	PUNCT
fbem-18927	61	1	although	although	SCONJ
fbem-18927	61	2	the	the	DET
fbem-18927	61	3	cbrc	cbrc	NOUN
fbem-18927	61	4	has	have	AUX
fbem-18927	61	5	issued	issue	VERB
fbem-18927	61	6	relevant	relevant	ADJ
fbem-18927	61	7	regulations	regulation	NOUN
fbem-18927	61	8	for	for	ADP
fbem-18927	61	9	many	many	ADJ
fbem-18927	61	10	times	time	NOUN
fbem-18927	61	11	,	,	PUNCT
fbem-18927	61	12	prohibiting	prohibit	VERB
fbem-18927	61	13	online	online	ADJ
fbem-18927	61	14	lending	lending	NOUN
fbem-18927	61	15	platforms	platform	NOUN
fbem-18927	61	16	from	from	ADP
fbem-18927	61	17	guaranteeing	guarantee	VERB
fbem-18927	61	18	their	their	PRON
fbem-18927	61	19	investment	investment	NOUN
fbem-18927	61	20	projects	project	NOUN
fbem-18927	61	21	,	,	PUNCT
fbem-18927	61	22	some	some	DET
fbem-18927	61	23	platforms	platform	NOUN
fbem-18927	61	24	still	still	ADV
fbem-18927	61	25	evade	evade	VERB
fbem-18927	61	26	supervision	supervision	NOUN
fbem-18927	61	27	by	by	ADP
fbem-18927	61	28	constantly	constantly	ADV
fbem-18927	61	29	changing	change	VERB
fbem-18927	61	30	the	the	DET
fbem-18927	61	31	contract	contract	NOUN
fbem-18927	61	32	terms	term	NOUN
fbem-18927	61	33	of	of	ADP
fbem-18927	61	34	investment	investment	NOUN
fbem-18927	61	35	projects	project	NOUN
fbem-18927	61	36	.	.	PUNCT
fbem-18927	62	1	in	in	ADP
fbem-18927	62	2	the	the	DET
fbem-18927	62	3	way	way	NOUN
fbem-18927	62	4	of	of	ADP
fbem-18927	62	5	"	"	PUNCT
fbem-18927	62	6	illegal	illegal	ADJ
fbem-18927	62	7	fund	fund	NOUN
fbem-18927	62	8	-	-	PUNCT
fbem-18927	62	9	raising	raising	NOUN
fbem-18927	62	10	"	"	PUNCT
fbem-18927	62	11	to	to	PART
fbem-18927	62	12	provide	provide	VERB
fbem-18927	62	13	disguised	disguised	ADJ
fbem-18927	62	14	guarantees	guarantee	NOUN
fbem-18927	62	15	,	,	PUNCT
fbem-18927	62	16	in	in	ADP
fbem-18927	62	17	addition	addition	NOUN
fbem-18927	62	18	,	,	PUNCT
fbem-18927	62	19	online	online	ADJ
fbem-18927	62	20	lending	lending	NOUN
fbem-18927	62	21	platforms	platform	NOUN
fbem-18927	62	22	with	with	ADP
fbem-18927	62	23	high	high	ADJ
fbem-18927	62	24	interest	interest	NOUN
fbem-18927	62	25	rates	rate	NOUN
fbem-18927	62	26	,	,	PUNCT
fbem-18927	62	27	high	high	ADJ
fbem-18927	62	28	returns	return	NOUN
fbem-18927	62	29	to	to	PART
fbem-18927	62	30	attract	attract	VERB
fbem-18927	62	31	investors	investor	NOUN
fbem-18927	62	32	to	to	PART
fbem-18927	62	33	invest	invest	VERB
fbem-18927	62	34	.	.	PUNCT
fbem-18927	63	1	in	in	ADP
fbem-18927	63	2	the	the	DET
fbem-18927	63	3	event	event	NOUN
fbem-18927	63	4	of	of	ADP
fbem-18927	63	5	poor	poor	ADJ
fbem-18927	63	6	operation	operation	NOUN
fbem-18927	63	7	,	,	PUNCT
fbem-18927	63	8	the	the	DET
fbem-18927	63	9	platform	platform	NOUN
fbem-18927	63	10	's	's	PART
fbem-18927	63	11	own	own	ADJ
fbem-18927	63	12	funds	fund	NOUN
fbem-18927	63	13	can	can	AUX
fbem-18927	63	14	not	not	PART
fbem-18927	63	15	make	make	VERB
fbem-18927	63	16	up	up	ADP
fbem-18927	63	17	for	for	ADP
fbem-18927	63	18	the	the	DET
fbem-18927	63	19	losses	loss	NOUN
fbem-18927	63	20	caused	cause	VERB
fbem-18927	63	21	by	by	ADP
fbem-18927	63	22	the	the	DET
fbem-18927	63	23	project	project	NOUN
fbem-18927	63	24	default	default	NOUN
fbem-18927	63	25	,	,	PUNCT
fbem-18927	63	26	resulting	result	VERB
fbem-18927	63	27	in	in	ADP
fbem-18927	63	28	centralized	centralized	ADJ
fbem-18927	63	29	payment	payment	NOUN
fbem-18927	63	30	by	by	ADP
fbem-18927	63	31	investors	investor	NOUN
fbem-18927	63	32	,	,	PUNCT
fbem-18927	63	33	and	and	CCONJ
fbem-18927	63	34	the	the	DET
fbem-18927	63	35	commitment	commitment	NOUN
fbem-18927	63	36	of	of	ADP
fbem-18927	63	37	rigid	rigid	ADJ
fbem-18927	63	38	payment	payment	NOUN
fbem-18927	63	39	can	can	AUX
fbem-18927	63	40	not	not	PART
fbem-18927	63	41	be	be	AUX
fbem-18927	63	42	realized	realize	VERB
fbem-18927	63	43	,	,	PUNCT
fbem-18927	63	44	and	and	CCONJ
fbem-18927	63	45	the	the	DET
fbem-18927	63	46	platform	platform	NOUN
fbem-18927	63	47	may	may	AUX
fbem-18927	63	48	face	face	VERB
fbem-18927	63	49	the	the	DET
fbem-18927	63	50	risk	risk	NOUN
fbem-18927	63	51	of	of	ADP
fbem-18927	63	52	bankruptcy	bankruptcy	NOUN
fbem-18927	63	53	and	and	CCONJ
fbem-18927	63	54	liquidation	liquidation	NOUN
fbem-18927	63	55	.	.	PUNCT
fbem-18927	64	1	the	the	DET
fbem-18927	64	2	social	social	ADJ
fbem-18927	64	3	idle	idle	ADJ
fbem-18927	64	4	funds	fund	NOUN
fbem-18927	64	5	are	be	AUX
fbem-18927	64	6	diverted	divert	VERB
fbem-18927	64	7	to	to	ADP
fbem-18927	64	8	noncompliant	noncompliant	ADJ
fbem-18927	64	9	lending	lending	NOUN
fbem-18927	64	10	platforms	platform	NOUN
fbem-18927	64	11	by	by	ADP
fbem-18927	64	12	high	high	ADJ
fbem-18927	64	13	interest	interest	NOUN
fbem-18927	64	14	rates	rate	NOUN
fbem-18927	64	15	,	,	PUNCT
fbem-18927	64	16	which	which	PRON
fbem-18927	64	17	seriously	seriously	ADV
fbem-18927	64	18	affects	affect	VERB
fbem-18927	64	19	the	the	DET
fbem-18927	64	20	normal	normal	ADJ
fbem-18927	64	21	flow	flow	NOUN
fbem-18927	64	22	of	of	ADP
fbem-18927	64	23	national	national	ADJ
fbem-18927	64	24	financial	financial	ADJ
fbem-18927	64	25	funds	fund	NOUN
fbem-18927	64	26	and	and	CCONJ
fbem-18927	64	27	undermines	undermine	VERB
fbem-18927	64	28	the	the	DET
fbem-18927	64	29	national	national	ADJ
fbem-18927	64	30	financial	financial	ADJ
fbem-18927	64	31	management	management	NOUN
fbem-18927	64	32	order	order	NOUN
fbem-18927	64	33	.	.	PUNCT
fbem-18927	65	1	340	340	NUM
fbem-18927	65	2	5	5	NUM
fbem-18927	65	3	.	.	PUNCT
fbem-18927	65	4	suggestions	suggestion	NOUN
fbem-18927	65	5	for	for	ADP
fbem-18927	65	6	promoting	promote	VERB
fbem-18927	65	7	the	the	DET
fbem-18927	65	8	healthy	healthy	ADJ
fbem-18927	65	9	development	development	NOUN
fbem-18927	65	10	of	of	ADP
fbem-18927	65	11	online	online	ADJ
fbem-18927	65	12	lending	lending	NOUN
fbem-18927	65	13	industry	industry	NOUN
fbem-18927	65	14	5.1	5.1	NUM
fbem-18927	65	15	.	.	PUNCT
fbem-18927	65	16	establish	establish	VERB
fbem-18927	65	17	a	a	DET
fbem-18927	65	18	risk	risk	NOUN
fbem-18927	65	19	monitoring	monitoring	NOUN
fbem-18927	65	20	and	and	CCONJ
fbem-18927	65	21	early	early	ADJ
fbem-18927	65	22	warning	warning	NOUN
fbem-18927	65	23	system	system	NOUN
fbem-18927	65	24	in	in	ADP
fbem-18927	65	25	order	order	NOUN
fbem-18927	65	26	to	to	PART
fbem-18927	65	27	cope	cope	VERB
fbem-18927	65	28	with	with	ADP
fbem-18927	65	29	complex	complex	ADJ
fbem-18927	65	30	online	online	ADJ
fbem-18927	65	31	lending	lending	NOUN
fbem-18927	65	32	risks	risk	NOUN
fbem-18927	65	33	,	,	PUNCT
fbem-18927	65	34	we	we	PRON
fbem-18927	65	35	can	can	AUX
fbem-18927	65	36	start	start	VERB
fbem-18927	65	37	from	from	ADP
fbem-18927	65	38	the	the	DET
fbem-18927	65	39	risk	risk	NOUN
fbem-18927	65	40	control	control	NOUN
fbem-18927	65	41	concept	concept	NOUN
fbem-18927	65	42	and	and	CCONJ
fbem-18927	65	43	risk	risk	NOUN
fbem-18927	65	44	control	control	NOUN
fbem-18927	65	45	implementation	implementation	NOUN
fbem-18927	65	46	,	,	PUNCT
fbem-18927	65	47	guide	guide	VERB
fbem-18927	65	48	the	the	DET
fbem-18927	65	49	risk	risk	NOUN
fbem-18927	65	50	control	control	NOUN
fbem-18927	65	51	implementation	implementation	NOUN
fbem-18927	65	52	with	with	ADP
fbem-18927	65	53	the	the	DET
fbem-18927	65	54	risk	risk	NOUN
fbem-18927	65	55	control	control	NOUN
fbem-18927	65	56	concept	concept	NOUN
fbem-18927	65	57	,	,	PUNCT
fbem-18927	65	58	and	and	CCONJ
fbem-18927	65	59	actively	actively	ADV
fbem-18927	65	60	build	build	VERB
fbem-18927	65	61	a	a	DET
fbem-18927	65	62	special	special	ADJ
fbem-18927	65	63	monitoring	monitoring	NOUN
fbem-18927	65	64	and	and	CCONJ
fbem-18927	65	65	early	early	ADJ
fbem-18927	65	66	warning	warning	NOUN
fbem-18927	65	67	system	system	NOUN
fbem-18927	65	68	.	.	PUNCT
fbem-18927	66	1	in	in	ADP
fbem-18927	66	2	recent	recent	ADJ
fbem-18927	66	3	years	year	NOUN
fbem-18927	66	4	,	,	PUNCT
fbem-18927	66	5	the	the	DET
fbem-18927	66	6	prevention	prevention	NOUN
fbem-18927	66	7	of	of	ADP
fbem-18927	66	8	online	online	ADJ
fbem-18927	66	9	lending	lending	NOUN
fbem-18927	66	10	risks	risk	NOUN
fbem-18927	66	11	has	have	AUX
fbem-18927	66	12	become	become	VERB
fbem-18927	66	13	the	the	DET
fbem-18927	66	14	focus	focus	NOUN
fbem-18927	66	15	of	of	ADP
fbem-18927	66	16	preventing	prevent	VERB
fbem-18927	66	17	financial	financial	ADJ
fbem-18927	66	18	risks	risk	NOUN
fbem-18927	66	19	,	,	PUNCT
fbem-18927	66	20	and	and	CCONJ
fbem-18927	66	21	all	all	DET
fbem-18927	66	22	online	online	ADJ
fbem-18927	66	23	lending	lending	NOUN
fbem-18927	66	24	platforms	platform	NOUN
fbem-18927	66	25	should	should	AUX
fbem-18927	66	26	implant	implant	VERB
fbem-18927	66	27	the	the	DET
fbem-18927	66	28	concept	concept	NOUN
fbem-18927	66	29	of	of	ADP
fbem-18927	66	30	risk	risk	NOUN
fbem-18927	66	31	control	control	NOUN
fbem-18927	66	32	in	in	ADP
fbem-18927	66	33	people	people	NOUN
fbem-18927	66	34	's	's	PART
fbem-18927	66	35	minds	mind	NOUN
fbem-18927	66	36	,	,	PUNCT
fbem-18927	66	37	deeply	deeply	ADV
fbem-18927	66	38	aware	aware	ADJ
fbem-18927	66	39	of	of	ADP
fbem-18927	66	40	the	the	DET
fbem-18927	66	41	importance	importance	NOUN
fbem-18927	66	42	of	of	ADP
fbem-18927	66	43	risk	risk	NOUN
fbem-18927	66	44	control	control	NOUN
fbem-18927	66	45	,	,	PUNCT
fbem-18927	66	46	and	and	CCONJ
fbem-18927	66	47	not	not	PART
fbem-18927	66	48	limited	limit	VERB
fbem-18927	66	49	to	to	ADP
fbem-18927	66	50	the	the	DET
fbem-18927	66	51	surface	surface	NOUN
fbem-18927	66	52	.	.	PUNCT
fbem-18927	67	1	the	the	DET
fbem-18927	67	2	development	development	NOUN
fbem-18927	67	3	of	of	ADP
fbem-18927	67	4	the	the	DET
fbem-18927	67	5	online	online	ADJ
fbem-18927	67	6	lending	lending	NOUN
fbem-18927	67	7	industry	industry	NOUN
fbem-18927	67	8	is	be	AUX
fbem-18927	67	9	related	relate	VERB
fbem-18927	67	10	to	to	ADP
fbem-18927	67	11	the	the	DET
fbem-18927	67	12	investment	investment	NOUN
fbem-18927	67	13	and	and	CCONJ
fbem-18927	67	14	financing	financing	NOUN
fbem-18927	67	15	of	of	ADP
fbem-18927	67	16	enterprises	enterprise	NOUN
fbem-18927	67	17	and	and	CCONJ
fbem-18927	67	18	many	many	ADJ
fbem-18927	67	19	small	small	ADJ
fbem-18927	67	20	and	and	CCONJ
fbem-18927	67	21	medium	medium	ADJ
fbem-18927	67	22	-	-	PUNCT
fbem-18927	67	23	sized	sized	ADJ
fbem-18927	67	24	investors	investor	NOUN
fbem-18927	67	25	.	.	PUNCT
fbem-18927	68	1	online	online	ADJ
fbem-18927	68	2	lending	lending	NOUN
fbem-18927	68	3	platforms	platform	NOUN
fbem-18927	68	4	must	must	AUX
fbem-18927	68	5	have	have	VERB
fbem-18927	68	6	sufficient	sufficient	ADJ
fbem-18927	68	7	risk	risk	NOUN
fbem-18927	68	8	control	control	NOUN
fbem-18927	68	9	awareness	awareness	NOUN
fbem-18927	68	10	and	and	CCONJ
fbem-18927	68	11	social	social	ADJ
fbem-18927	68	12	responsibility	responsibility	NOUN
fbem-18927	68	13	to	to	PART
fbem-18927	68	14	contribute	contribute	VERB
fbem-18927	68	15	their	their	PRON
fbem-18927	68	16	own	own	ADJ
fbem-18927	68	17	strength	strength	NOUN
fbem-18927	68	18	to	to	ADP
fbem-18927	68	19	the	the	DET
fbem-18927	68	20	healthy	healthy	ADJ
fbem-18927	68	21	development	development	NOUN
fbem-18927	68	22	of	of	ADP
fbem-18927	68	23	the	the	DET
fbem-18927	68	24	online	online	ADJ
fbem-18927	68	25	lending	lending	NOUN
fbem-18927	68	26	industry	industry	NOUN
fbem-18927	68	27	.	.	PUNCT
fbem-18927	69	1	at	at	ADP
fbem-18927	69	2	the	the	DET
fbem-18927	69	3	same	same	ADJ
fbem-18927	69	4	time	time	NOUN
fbem-18927	69	5	,	,	PUNCT
fbem-18927	69	6	online	online	ADJ
fbem-18927	69	7	lending	lending	NOUN
fbem-18927	69	8	platforms	platform	NOUN
fbem-18927	69	9	themselves	themselves	PRON
fbem-18927	69	10	should	should	AUX
fbem-18927	69	11	actively	actively	ADV
fbem-18927	69	12	join	join	VERB
fbem-18927	69	13	industry	industry	NOUN
fbem-18927	69	14	associations	association	NOUN
fbem-18927	69	15	and	and	CCONJ
fbem-18927	69	16	disclose	disclose	VERB
fbem-18927	69	17	their	their	PRON
fbem-18927	69	18	own	own	ADJ
fbem-18927	69	19	information	information	NOUN
fbem-18927	69	20	,	,	PUNCT
fbem-18927	69	21	so	so	SCONJ
fbem-18927	69	22	that	that	SCONJ
fbem-18927	69	23	investors	investor	NOUN
fbem-18927	69	24	and	and	CCONJ
fbem-18927	69	25	financiers	financier	NOUN
fbem-18927	69	26	can	can	AUX
fbem-18927	69	27	clarify	clarify	VERB
fbem-18927	69	28	the	the	DET
fbem-18927	69	29	actual	actual	ADJ
fbem-18927	69	30	operation	operation	NOUN
fbem-18927	69	31	of	of	ADP
fbem-18927	69	32	the	the	DET
fbem-18927	69	33	platform	platform	NOUN
fbem-18927	69	34	and	and	CCONJ
fbem-18927	69	35	increase	increase	VERB
fbem-18927	69	36	mutual	mutual	ADJ
fbem-18927	69	37	trust	trust	NOUN
fbem-18927	69	38	.	.	PUNCT
fbem-18927	70	1	risk	risk	NOUN
fbem-18927	70	2	control	control	NOUN
fbem-18927	70	3	management	management	NOUN
fbem-18927	70	4	departments	department	NOUN
fbem-18927	70	5	do	do	VERB
fbem-18927	70	6	their	their	PRON
fbem-18927	70	7	job	job	NOUN
fbem-18927	70	8	at	at	ADP
fbem-18927	70	9	the	the	DET
fbem-18927	70	10	same	same	ADJ
fbem-18927	70	11	time	time	NOUN
fbem-18927	70	12	,	,	PUNCT
fbem-18927	70	13	the	the	DET
fbem-18927	70	14	possible	possible	ADJ
fbem-18927	70	15	risk	risk	NOUN
fbem-18927	70	16	in	in	ADP
fbem-18927	70	17	a	a	DET
fbem-18927	70	18	timely	timely	ADJ
fbem-18927	70	19	manner	manner	NOUN
fbem-18927	70	20	to	to	PART
fbem-18927	70	21	determine	determine	VERB
fbem-18927	70	22	the	the	DET
fbem-18927	70	23	platform	platform	NOUN
fbem-18927	70	24	and	and	CCONJ
fbem-18927	70	25	the	the	DET
fbem-18927	70	26	customer	customer	NOUN
fbem-18927	70	27	,	,	PUNCT
fbem-18927	70	28	the	the	DET
fbem-18927	70	29	easy	easy	ADJ
fbem-18927	70	30	problems	problem	NOUN
fbem-18927	70	31	for	for	ADP
fbem-18927	70	32	all	all	DET
fbem-18927	70	33	kinds	kind	NOUN
fbem-18927	70	34	of	of	ADP
fbem-18927	70	35	risk	risk	NOUN
fbem-18927	70	36	contingency	contingency	NOUN
fbem-18927	70	37	plans	plan	NOUN
fbem-18927	70	38	in	in	ADP
fbem-18927	70	39	advance	advance	NOUN
fbem-18927	70	40	,	,	PUNCT
fbem-18927	70	41	to	to	PART
fbem-18927	70	42	pay	pay	VERB
fbem-18927	70	43	special	special	ADJ
fbem-18927	70	44	attention	attention	NOUN
fbem-18927	70	45	to	to	ADP
fbem-18927	70	46	the	the	DET
fbem-18927	70	47	customer	customer	NOUN
fbem-18927	70	48	as	as	ADP
fbem-18927	70	49	early	early	ADJ
fbem-18927	70	50	prevention	prevention	NOUN
fbem-18927	70	51	,	,	PUNCT
fbem-18927	70	52	and	and	CCONJ
fbem-18927	70	53	the	the	DET
fbem-18927	70	54	platform	platform	NOUN
fbem-18927	70	55	for	for	ADP
fbem-18927	70	56	the	the	DET
fbem-18927	70	57	implementation	implementation	NOUN
fbem-18927	70	58	of	of	ADP
fbem-18927	70	59	the	the	DET
fbem-18927	70	60	risk	risk	NOUN
fbem-18927	70	61	control	control	NOUN
fbem-18927	70	62	monitoring	monitoring	NOUN
fbem-18927	70	63	and	and	CCONJ
fbem-18927	70	64	prevention	prevention	NOUN
fbem-18927	70	65	system	system	NOUN
fbem-18927	70	66	strict	strict	ADJ
fbem-18927	70	67	censorship	censorship	NOUN
fbem-18927	70	68	,	,	PUNCT
fbem-18927	70	69	risk	risk	NOUN
fbem-18927	70	70	control	control	NOUN
fbem-18927	70	71	and	and	CCONJ
fbem-18927	70	72	monitoring	monitor	VERB
fbem-18927	70	73	system	system	NOUN
fbem-18927	70	74	in	in	ADP
fbem-18927	70	75	existence	existence	NOUN
fbem-18927	70	76	flaw	flaw	NOUN
fbem-18927	70	77	or	or	CCONJ
fbem-18927	70	78	defect	defect	VERB
fbem-18927	70	79	,	,	PUNCT
fbem-18927	70	80	give	give	VERB
fbem-18927	70	81	early	early	ADJ
fbem-18927	70	82	warning	warning	NOUN
fbem-18927	70	83	to	to	PART
fbem-18927	70	84	control	control	VERB
fbem-18927	70	85	department	department	PROPN
fbem-18927	70	86	in	in	ADP
fbem-18927	70	87	time	time	NOUN
fbem-18927	70	88	.	.	PUNCT
fbem-18927	71	1	5.2	5.2	NUM
fbem-18927	71	2	.	.	PUNCT
fbem-18927	71	3	introduce	introduce	VERB
fbem-18927	71	4	"	"	PUNCT
fbem-18927	71	5	blockchain	blockchain	NOUN
fbem-18927	71	6	+	+	CCONJ
fbem-18927	71	7	big	big	ADJ
fbem-18927	71	8	data	datum	NOUN
fbem-18927	71	9	"	"	PUNCT
fbem-18927	71	10	risk	risk	NOUN
fbem-18927	71	11	control	control	NOUN
fbem-18927	71	12	technology	technology	NOUN
fbem-18927	71	13	government	government	NOUN
fbem-18927	71	14	regulatory	regulatory	ADJ
fbem-18927	71	15	departments	department	NOUN
fbem-18927	71	16	and	and	CCONJ
fbem-18927	71	17	online	online	ADJ
fbem-18927	71	18	lending	lending	NOUN
fbem-18927	71	19	platforms	platform	NOUN
fbem-18927	71	20	should	should	AUX
fbem-18927	71	21	strengthen	strengthen	VERB
fbem-18927	71	22	cooperation	cooperation	NOUN
fbem-18927	71	23	,	,	PUNCT
fbem-18927	71	24	combine	combine	VERB
fbem-18927	71	25	blockchain	blockchain	PROPN
fbem-18927	71	26	and	and	CCONJ
fbem-18927	71	27	big	big	ADJ
fbem-18927	71	28	data	datum	NOUN
fbem-18927	71	29	technology	technology	NOUN
fbem-18927	71	30	,	,	PUNCT
fbem-18927	71	31	jointly	jointly	ADV
fbem-18927	71	32	build	build	VERB
fbem-18927	71	33	an	an	DET
fbem-18927	71	34	immutable	immutable	ADJ
fbem-18927	71	35	blockchain	blockchain	NOUN
fbem-18927	71	36	database	database	NOUN
fbem-18927	71	37	,	,	PUNCT
fbem-18927	71	38	share	share	VERB
fbem-18927	71	39	information	information	NOUN
fbem-18927	71	40	in	in	ADP
fbem-18927	71	41	real	real	ADJ
fbem-18927	71	42	time	time	NOUN
fbem-18927	71	43	,	,	PUNCT
fbem-18927	71	44	and	and	CCONJ
fbem-18927	71	45	make	make	VERB
fbem-18927	71	46	use	use	NOUN
fbem-18927	71	47	of	of	ADP
fbem-18927	71	48	the	the	DET
fbem-18927	71	49	characteristics	characteristic	NOUN
fbem-18927	71	50	of	of	ADP
fbem-18927	71	51	blockchain	blockchain	PROPN
fbem-18927	71	52	technology	technology	PROPN
fbem-18927	71	53	,	,	PUNCT
fbem-18927	71	54	such	such	ADJ
fbem-18927	71	55	as	as	ADP
fbem-18927	71	56	decentralization	decentralization	NOUN
fbem-18927	71	57	,	,	PUNCT
fbem-18927	71	58	openness	openness	NOUN
fbem-18927	71	59	,	,	PUNCT
fbem-18927	71	60	and	and	CCONJ
fbem-18927	71	61	immutable	immutable	ADJ
fbem-18927	71	62	,	,	PUNCT
fbem-18927	71	63	so	so	SCONJ
fbem-18927	71	64	that	that	SCONJ
fbem-18927	71	65	the	the	DET
fbem-18927	71	66	data	datum	NOUN
fbem-18927	71	67	of	of	ADP
fbem-18927	71	68	each	each	DET
fbem-18927	71	69	node	node	NOUN
fbem-18927	71	70	can	can	AUX
fbem-18927	71	71	restrict	restrict	VERB
fbem-18927	71	72	and	and	CCONJ
fbem-18927	71	73	monitor	monitor	VERB
fbem-18927	71	74	each	each	DET
fbem-18927	71	75	other	other	ADJ
fbem-18927	71	76	.	.	PUNCT
fbem-18927	72	1	ensuring	ensure	VERB
fbem-18927	72	2	the	the	DET
fbem-18927	72	3	authenticity	authenticity	NOUN
fbem-18927	72	4	and	and	CCONJ
fbem-18927	72	5	integrity	integrity	NOUN
fbem-18927	72	6	of	of	ADP
fbem-18927	72	7	the	the	DET
fbem-18927	72	8	data	datum	NOUN
fbem-18927	72	9	in	in	ADP
fbem-18927	72	10	the	the	DET
fbem-18927	72	11	blockchain	blockchain	PROPN
fbem-18927	72	12	database	database	NOUN
fbem-18927	72	13	helps	help	VERB
fbem-18927	72	14	solve	solve	VERB
fbem-18927	72	15	problems	problem	NOUN
fbem-18927	72	16	such	such	ADJ
fbem-18927	72	17	as	as	ADP
fbem-18927	72	18	big	big	ADJ
fbem-18927	72	19	data	datum	NOUN
fbem-18927	72	20	silos	silo	NOUN
fbem-18927	72	21	,	,	PUNCT
fbem-18927	72	22	information	information	NOUN
fbem-18927	72	23	security	security	NOUN
fbem-18927	72	24	,	,	PUNCT
fbem-18927	72	25	and	and	CCONJ
fbem-18927	72	26	data	datum	NOUN
fbem-18927	72	27	quality	quality	NOUN
fbem-18927	72	28	.	.	PUNCT
fbem-18927	73	1	on	on	ADP
fbem-18927	73	2	the	the	DET
fbem-18927	73	3	one	one	NUM
fbem-18927	73	4	hand	hand	NOUN
fbem-18927	73	5	,	,	PUNCT
fbem-18927	73	6	when	when	SCONJ
fbem-18927	73	7	the	the	DET
fbem-18927	73	8	customer	customer	NOUN
fbem-18927	73	9	applies	apply	VERB
fbem-18927	73	10	for	for	ADP
fbem-18927	73	11	a	a	DET
fbem-18927	73	12	loan	loan	NOUN
fbem-18927	73	13	to	to	ADP
fbem-18927	73	14	the	the	DET
fbem-18927	73	15	online	online	ADJ
fbem-18927	73	16	loan	loan	NOUN
fbem-18927	73	17	platform	platform	NOUN
fbem-18927	73	18	,	,	PUNCT
fbem-18927	73	19	it	it	PRON
fbem-18927	73	20	needs	need	VERB
fbem-18927	73	21	to	to	PART
fbem-18927	73	22	provide	provide	VERB
fbem-18927	73	23	the	the	DET
fbem-18927	73	24	corresponding	corresponding	ADJ
fbem-18927	73	25	collateral	collateral	NOUN
fbem-18927	73	26	,	,	PUNCT
fbem-18927	73	27	so	so	CCONJ
fbem-18927	73	28	the	the	DET
fbem-18927	73	29	original	original	ADJ
fbem-18927	73	30	value	value	NOUN
fbem-18927	73	31	of	of	ADP
fbem-18927	73	32	the	the	DET
fbem-18927	73	33	collateral	collateral	NOUN
fbem-18927	73	34	can	can	AUX
fbem-18927	73	35	be	be	AUX
fbem-18927	73	36	identified	identify	VERB
fbem-18927	73	37	through	through	ADP
fbem-18927	73	38	blockchain	blockchain	PROPN
fbem-18927	73	39	technology	technology	PROPN
fbem-18927	73	40	,	,	PUNCT
fbem-18927	73	41	or	or	CCONJ
fbem-18927	73	42	whether	whether	SCONJ
fbem-18927	73	43	it	it	PRON
fbem-18927	73	44	has	have	AUX
fbem-18927	73	45	been	be	AUX
fbem-18927	73	46	mortgaged	mortgage	VERB
fbem-18927	73	47	multiple	multiple	ADJ
fbem-18927	73	48	times	time	NOUN
fbem-18927	73	49	on	on	ADP
fbem-18927	73	50	different	different	ADJ
fbem-18927	73	51	platforms	platform	NOUN
fbem-18927	73	52	.	.	PUNCT
fbem-18927	74	1	on	on	ADP
fbem-18927	74	2	the	the	DET
fbem-18927	74	3	other	other	ADJ
fbem-18927	74	4	hand	hand	NOUN
fbem-18927	74	5	,	,	PUNCT
fbem-18927	74	6	regular	regular	ADJ
fbem-18927	74	7	monitoring	monitoring	NOUN
fbem-18927	74	8	of	of	ADP
fbem-18927	74	9	the	the	DET
fbem-18927	74	10	business	business	NOUN
fbem-18927	74	11	operation	operation	NOUN
fbem-18927	74	12	of	of	ADP
fbem-18927	74	13	the	the	DET
fbem-18927	74	14	online	online	ADJ
fbem-18927	74	15	lending	lending	NOUN
fbem-18927	74	16	platform	platform	NOUN
fbem-18927	74	17	,	,	PUNCT
fbem-18927	74	18	monitoring	monitor	VERB
fbem-18927	74	19	whether	whether	SCONJ
fbem-18927	74	20	the	the	DET
fbem-18927	74	21	borrowed	borrow	VERB
fbem-18927	74	22	funds	fund	NOUN
fbem-18927	74	23	are	be	AUX
fbem-18927	74	24	used	use	VERB
fbem-18927	74	25	for	for	ADP
fbem-18927	74	26	the	the	DET
fbem-18927	74	27	agreed	agree	VERB
fbem-18927	74	28	purpose	purpose	NOUN
fbem-18927	74	29	in	in	ADP
fbem-18927	74	30	advance	advance	NOUN
fbem-18927	74	31	,	,	PUNCT
fbem-18927	74	32	and	and	CCONJ
fbem-18927	74	33	strengthening	strengthen	VERB
fbem-18927	74	34	the	the	DET
fbem-18927	74	35	attention	attention	NOUN
fbem-18927	74	36	of	of	ADP
fbem-18927	74	37	the	the	DET
fbem-18927	74	38	borrower	borrower	NOUN
fbem-18927	74	39	's	's	PART
fbem-18927	74	40	future	future	ADJ
fbem-18927	74	41	cash	cash	NOUN
fbem-18927	74	42	flow	flow	NOUN
fbem-18927	74	43	,	,	PUNCT
fbem-18927	74	44	to	to	PART
fbem-18927	74	45	see	see	VERB
fbem-18927	74	46	whether	whether	SCONJ
fbem-18927	74	47	the	the	DET
fbem-18927	74	48	future	future	ADJ
fbem-18927	74	49	cash	cash	NOUN
fbem-18927	74	50	flow	flow	NOUN
fbem-18927	74	51	matches	match	VERB
fbem-18927	74	52	the	the	DET
fbem-18927	74	53	repayment	repayment	NOUN
fbem-18927	74	54	amount	amount	NOUN
fbem-18927	74	55	and	and	CCONJ
fbem-18927	74	56	repayment	repayment	NOUN
fbem-18927	74	57	period	period	NOUN
fbem-18927	74	58	,	,	PUNCT
fbem-18927	74	59	and	and	CCONJ
fbem-18927	74	60	to	to	PART
fbem-18927	74	61	identify	identify	VERB
fbem-18927	74	62	the	the	DET
fbem-18927	74	63	possible	possible	ADJ
fbem-18927	74	64	risk	risk	NOUN
fbem-18927	74	65	points	point	NOUN
fbem-18927	74	66	of	of	ADP
fbem-18927	74	67	the	the	DET
fbem-18927	74	68	online	online	ADJ
fbem-18927	74	69	lending	lending	NOUN
fbem-18927	74	70	platform	platform	NOUN
fbem-18927	74	71	.	.	PUNCT
fbem-18927	75	1	from	from	ADP
fbem-18927	75	2	the	the	DET
fbem-18927	75	3	two	two	NUM
fbem-18927	75	4	dimensions	dimension	NOUN
fbem-18927	75	5	of	of	ADP
fbem-18927	75	6	customers	customer	NOUN
fbem-18927	75	7	and	and	CCONJ
fbem-18927	75	8	online	online	ADJ
fbem-18927	75	9	lending	lending	NOUN
fbem-18927	75	10	platforms	platform	NOUN
fbem-18927	75	11	,	,	PUNCT
fbem-18927	75	12	risks	risk	NOUN
fbem-18927	75	13	are	be	AUX
fbem-18927	75	14	identified	identify	VERB
fbem-18927	75	15	in	in	ADP
fbem-18927	75	16	advance	advance	NOUN
fbem-18927	75	17	and	and	CCONJ
fbem-18927	75	18	prevention	prevention	NOUN
fbem-18927	75	19	and	and	CCONJ
fbem-18927	75	20	control	control	NOUN
fbem-18927	75	21	measures	measure	NOUN
fbem-18927	75	22	are	be	AUX
fbem-18927	75	23	taken	take	VERB
fbem-18927	75	24	to	to	PART
fbem-18927	75	25	improve	improve	VERB
fbem-18927	75	26	the	the	DET
fbem-18927	75	27	ability	ability	NOUN
fbem-18927	75	28	of	of	ADP
fbem-18927	75	29	the	the	DET
fbem-18927	75	30	entire	entire	ADJ
fbem-18927	75	31	financial	financial	ADJ
fbem-18927	75	32	system	system	NOUN
fbem-18927	75	33	to	to	PART
fbem-18927	75	34	prevent	prevent	VERB
fbem-18927	75	35	and	and	CCONJ
fbem-18927	75	36	resolve	resolve	VERB
fbem-18927	75	37	systemic	systemic	ADJ
fbem-18927	75	38	financial	financial	ADJ
fbem-18927	75	39	risks	risk	NOUN
fbem-18927	75	40	.	.	PUNCT
fbem-18927	76	1	5.3	5.3	NUM
fbem-18927	76	2	.	.	PUNCT
fbem-18927	76	3	access	access	NOUN
fbem-18927	76	4	to	to	ADP
fbem-18927	76	5	the	the	DET
fbem-18927	76	6	internet	internet	NOUN
fbem-18927	76	7	financial	financial	ADJ
fbem-18927	76	8	market	market	NOUN
fbem-18927	76	9	will	will	AUX
fbem-18927	76	10	be	be	AUX
fbem-18927	76	11	raised	raise	VERB
fbem-18927	76	12	the	the	DET
fbem-18927	76	13	european	european	PROPN
fbem-18927	76	14	union	union	PROPN
fbem-18927	76	15	requires	require	VERB
fbem-18927	76	16	that	that	SCONJ
fbem-18927	76	17	only	only	ADV
fbem-18927	76	18	bank	bank	NOUN
fbem-18927	76	19	-	-	PUNCT
fbem-18927	76	20	type	type	NOUN
fbem-18927	76	21	financial	financial	ADJ
fbem-18927	76	22	services	service	NOUN
fbem-18927	76	23	institutions	institution	NOUN
fbem-18927	76	24	and	and	CCONJ
fbem-18927	76	25	enterprises	enterprise	NOUN
fbem-18927	76	26	with	with	ADP
fbem-18927	76	27	relevant	relevant	ADJ
fbem-18927	76	28	qualifications	qualification	NOUN
fbem-18927	76	29	can	can	AUX
fbem-18927	76	30	engage	engage	VERB
fbem-18927	76	31	in	in	ADP
fbem-18927	76	32	electronic	electronic	ADJ
fbem-18927	76	33	payment	payment	NOUN
fbem-18927	76	34	services	service	NOUN
fbem-18927	76	35	.	.	PUNCT
fbem-18927	77	1	however	however	ADV
fbem-18927	77	2	,	,	PUNCT
fbem-18927	77	3	china	china	PROPN
fbem-18927	77	4	should	should	AUX
fbem-18927	77	5	raise	raise	VERB
fbem-18927	77	6	the	the	DET
fbem-18927	77	7	entry	entry	NOUN
fbem-18927	77	8	threshold	threshold	NOUN
fbem-18927	77	9	of	of	ADP
fbem-18927	77	10	the	the	DET
fbem-18927	77	11	internet	internet	NOUN
fbem-18927	77	12	finance	finance	NOUN
fbem-18927	77	13	industry	industry	NOUN
fbem-18927	77	14	,	,	PUNCT
fbem-18927	77	15	establish	establish	VERB
fbem-18927	77	16	relevant	relevant	ADJ
fbem-18927	77	17	laws	law	NOUN
fbem-18927	77	18	to	to	PART
fbem-18927	77	19	restrict	restrict	VERB
fbem-18927	77	20	internet	internet	NOUN
fbem-18927	77	21	enterprises	enterprise	NOUN
fbem-18927	77	22	'	'	PART
fbem-18927	77	23	entry	entry	NOUN
fbem-18927	77	24	into	into	ADP
fbem-18927	77	25	the	the	DET
fbem-18927	77	26	financial	financial	ADJ
fbem-18927	77	27	industry	industry	NOUN
fbem-18927	77	28	,	,	PUNCT
fbem-18927	77	29	improve	improve	VERB
fbem-18927	77	30	the	the	DET
fbem-18927	77	31	access	access	NOUN
fbem-18927	77	32	and	and	CCONJ
fbem-18927	77	33	exit	exit	NOUN
fbem-18927	77	34	mechanism	mechanism	NOUN
fbem-18927	77	35	,	,	PUNCT
fbem-18927	77	36	and	and	CCONJ
fbem-18927	77	37	formulate	formulate	VERB
fbem-18927	77	38	corresponding	corresponding	ADJ
fbem-18927	77	39	standards	standard	NOUN
fbem-18927	77	40	for	for	ADP
fbem-18927	77	41	risk	risk	NOUN
fbem-18927	77	42	control	control	NOUN
fbem-18927	77	43	,	,	PUNCT
fbem-18927	77	44	rules	rule	NOUN
fbem-18927	77	45	and	and	CCONJ
fbem-18927	77	46	regulations	regulation	NOUN
fbem-18927	77	47	,	,	PUNCT
fbem-18927	77	48	operating	operating	NOUN
fbem-18927	77	49	standards	standard	NOUN
fbem-18927	77	50	,	,	PUNCT
fbem-18927	77	51	talent	talent	NOUN
fbem-18927	77	52	reserve	reserve	NOUN
fbem-18927	77	53	,	,	PUNCT
fbem-18927	77	54	and	and	CCONJ
fbem-18927	77	55	profitability	profitability	NOUN
fbem-18927	77	56	.	.	PUNCT
fbem-18927	78	1	establish	establish	VERB
fbem-18927	78	2	relevant	relevant	ADJ
fbem-18927	78	3	examination	examination	NOUN
fbem-18927	78	4	and	and	CCONJ
fbem-18927	78	5	approval	approval	NOUN
fbem-18927	78	6	agencies	agency	NOUN
fbem-18927	78	7	,	,	PUNCT
fbem-18927	78	8	strictly	strictly	ADV
fbem-18927	78	9	examine	examine	VERB
fbem-18927	78	10	internet	internet	NOUN
fbem-18927	78	11	financial	financial	ADJ
fbem-18927	78	12	enterprises	enterprise	NOUN
fbem-18927	78	13	,	,	PUNCT
fbem-18927	78	14	provide	provide	VERB
fbem-18927	78	15	certain	certain	ADJ
fbem-18927	78	16	support	support	NOUN
fbem-18927	78	17	and	and	CCONJ
fbem-18927	78	18	encouragement	encouragement	NOUN
fbem-18927	78	19	for	for	ADP
fbem-18927	78	20	internet	internet	NOUN
fbem-18927	78	21	financial	financial	ADJ
fbem-18927	78	22	enterprises	enterprise	NOUN
fbem-18927	78	23	with	with	ADP
fbem-18927	78	24	good	good	ADJ
fbem-18927	78	25	credit	credit	NOUN
fbem-18927	78	26	,	,	PUNCT
fbem-18927	78	27	and	and	CCONJ
fbem-18927	78	28	severely	severely	ADV
fbem-18927	78	29	punish	punish	VERB
fbem-18927	78	30	internet	internet	NOUN
fbem-18927	78	31	financial	financial	ADJ
fbem-18927	78	32	enterprises	enterprise	NOUN
fbem-18927	78	33	with	with	ADP
fbem-18927	78	34	poor	poor	ADJ
fbem-18927	78	35	credit	credit	NOUN
fbem-18927	78	36	information	information	NOUN
fbem-18927	78	37	.	.	PUNCT
fbem-18927	79	1	references	reference	NOUN
fbem-18927	79	2	[	[	X
fbem-18927	79	3	1	1	NUM
fbem-18927	79	4	]	]	PUNCT
fbem-18927	79	5	xie	xie	PROPN
fbem-18927	79	6	ping	ping	PROPN
fbem-18927	79	7	,	,	PUNCT
fbem-18927	79	8	zou	zou	PROPN
fbem-18927	79	9	chuanwei	chuanwei	PROPN
fbem-18927	79	10	.	.	PUNCT
fbem-18927	80	1	research	research	NOUN
fbem-18927	80	2	on	on	ADP
fbem-18927	80	3	internet	internet	NOUN
fbem-18927	80	4	finance	finance	NOUN
fbem-18927	80	5	model	model	NOUN
fbem-18927	81	1	[	[	X
fbem-18927	81	2	j	j	X
fbem-18927	81	3	]	]	X
fbem-18927	81	4	.	.	PUNCT
fbem-18927	82	1	financial	financial	ADJ
fbem-18927	82	2	research,2012(12):11	research,2012(12):11	PROPN
fbem-18927	82	3	-	-	PUNCT
fbem-18927	82	4	22	22	NUM
fbem-18927	82	5	.	.	PUNCT
fbem-18927	83	1	(	(	PUNCT
fbem-18927	83	2	in	in	ADP
fbem-18927	83	3	chinese	chinese	PROPN
fbem-18927	83	4	)	)	PUNCT
fbem-18927	84	1	[	[	X
fbem-18927	84	2	2	2	X
fbem-18927	84	3	]	]	PUNCT
fbem-18927	84	4	ye	ye	PROPN
fbem-18927	84	5	xiangrong	xiangrong	PROPN
fbem-18927	84	6	.	.	PUNCT
fbem-18927	85	1	study	study	NOUN
fbem-18927	85	2	on	on	ADP
fbem-18927	85	3	model	model	NOUN
fbem-18927	85	4	risk	risk	NOUN
fbem-18927	85	5	and	and	CCONJ
fbem-18927	85	6	supervision	supervision	NOUN
fbem-18927	85	7	of	of	ADP
fbem-18927	85	8	p2p	p2p	NOUN
fbem-18927	85	9	lending	lend	VERB
fbem-18927	85	10	[	[	X
fbem-18927	85	11	j	j	X
fbem-18927	85	12	]	]	X
fbem-18927	85	13	.	.	PUNCT
fbem-18927	86	1	financial	financial	ADJ
fbem-18927	86	2	supervision	supervision	PROPN
fbem-18927	86	3	research,2014(03):71	research,2014(03):71	PROPN
fbem-18927	86	4	-	-	PUNCT
fbem-18927	86	5	82	82	NUM
fbem-18927	86	6	.	.	PUNCT
fbem-18927	87	1	[	[	X
fbem-18927	87	2	3	3	NUM
fbem-18927	87	3	]	]	PUNCT
fbem-18927	87	4	alkindy	alkindy	ADJ
fbem-18927	87	5	.	.	PUNCT
fbem-18927	88	1	risk	risk	NOUN
fbem-18927	88	2	prevention	prevention	NOUN
fbem-18927	88	3	of	of	ADP
fbem-18927	88	4	p2p	p2p	NOUN
fbem-18927	88	5	online	online	ADJ
fbem-18927	88	6	lending	lending	NOUN
fbem-18927	88	7	platform	platform	NOUN
fbem-18927	89	1	[	[	X
fbem-18927	89	2	j	j	X
fbem-18927	89	3	]	]	X
fbem-18927	89	4	.	.	PUNCT
fbem-18927	90	1	china	china	PROPN
fbem-18927	90	2	finance	finance	PROPN
fbem-18927	90	3	,	,	PUNCT
fbem-18927	90	4	2012(14	2012(14	NUM
fbem-18927	90	5	)	)	PUNCT
fbem-18927	90	6	:	:	PUNCT
fbem-18927	90	7	79	79	NUM
fbem-18927	90	8	-	-	SYM
fbem-18927	90	9	81	81	NUM
fbem-18927	90	10	.	.	PUNCT
fbem-18927	91	1	(	(	PUNCT
fbem-18927	91	2	in	in	ADP
fbem-18927	91	3	chinese	chinese	PROPN
fbem-18927	91	4	)	)	PUNCT
fbem-18927	92	1	[	[	X
fbem-18927	92	2	4	4	NUM
fbem-18927	92	3	]	]	X
fbem-18927	92	4	ruan	ruan	PROPN
fbem-18927	92	5	hongling	hongling	NOUN
fbem-18927	92	6	.	.	PUNCT
fbem-18927	93	1	big	big	ADJ
fbem-18927	93	2	reshuffle	reshuffle	NOUN
fbem-18927	93	3	of	of	ADP
fbem-18927	93	4	p2p	p2p	NOUN
fbem-18927	93	5	online	online	ADJ
fbem-18927	93	6	lending	lending	NOUN
fbem-18927	93	7	industry	industry	NOUN
fbem-18927	93	8	under	under	ADP
fbem-18927	93	9	inclusive	inclusive	ADJ
fbem-18927	93	10	finance	finance	NOUN
fbem-18927	93	11	-interpretation	-interpretation	PROPN
fbem-18927	93	12	of	of	ADP
fbem-18927	93	13	interim	interim	ADJ
fbem-18927	93	14	measures	measure	NOUN
fbem-18927	93	15	for	for	ADP
fbem-18927	93	16	the	the	DET
fbem-18927	93	17	management	management	NOUN
fbem-18927	93	18	of	of	ADP
fbem-18927	93	19	business	business	NOUN
fbem-18927	93	20	activities	activity	NOUN
fbem-18927	93	21	of	of	ADP
fbem-18927	93	22	online	online	ADJ
fbem-18927	93	23	lending	lending	NOUN
fbem-18927	93	24	information	information	NOUN
fbem-18927	93	25	intermediaries	intermediary	NOUN
fbem-18927	93	26	[	[	X
fbem-18927	93	27	j	j	X
fbem-18927	93	28	]	]	X
fbem-18927	93	29	.	.	PUNCT
fbem-18927	94	1	the	the	DET
fbem-18927	94	2	banker,2016(11):127	banker,2016(11):127	NOUN
fbem-18927	94	3	-	-	PUNCT
fbem-18927	94	4	129	129	NUM
fbem-18927	94	5	.	.	PUNCT
fbem-18927	95	1	[	[	X
fbem-18927	95	2	5	5	X
fbem-18927	95	3	]	]	PUNCT
fbem-18927	95	4	wang	wang	PROPN
fbem-18927	95	5	renxiang	renxiang	PROPN
fbem-18927	95	6	,	,	PUNCT
fbem-18927	95	7	zhan	zhan	PROPN
fbem-18927	95	8	yuanzhuang	yuanzhuang	PROPN
fbem-18927	95	9	.	.	PUNCT
fbem-18927	96	1	legal	legal	ADJ
fbem-18927	96	2	regulation	regulation	NOUN
fbem-18927	96	3	and	and	CCONJ
fbem-18927	96	4	supervision	supervision	NOUN
fbem-18927	96	5	suggestions	suggestion	NOUN
fbem-18927	96	6	of	of	ADP
fbem-18927	96	7	online	online	ADJ
fbem-18927	96	8	lending	lending	NOUN
fbem-18927	96	9	-taking	-take	VERB
fbem-18927	96	10	"	"	PUNCT
fbem-18927	96	11	ezubao	ezubao	VERB
fbem-18927	96	12	"	"	PUNCT
fbem-18927	96	13	as	as	ADP
fbem-18927	96	14	an	an	DET
fbem-18927	96	15	example	example	NOUN
fbem-18927	97	1	[	[	X
fbem-18927	97	2	j	j	X
fbem-18927	97	3	]	]	X
fbem-18927	97	4	.	.	PUNCT
fbem-18927	98	1	fujian	fujian	PROPN
fbem-18927	98	2	forum	forum	PROPN
fbem-18927	98	3	(	(	PUNCT
fbem-18927	98	4	humanities	humanity	NOUN
fbem-18927	98	5	and	and	CCONJ
fbem-18927	98	6	social	social	ADJ
fbem-18927	98	7	sciences	science	NOUN
fbem-18927	98	8	edition),2016(12):206	edition),2016(12):206	NOUN
fbem-18927	98	9	-	-	PUNCT
fbem-18927	98	10	213	213	NUM
fbem-18927	98	11	.	.	PUNCT
fbem-18927	99	1	[	[	X
fbem-18927	99	2	6	6	NUM
fbem-18927	99	3	]	]	X
fbem-18927	99	4	feng	feng	PROPN
fbem-18927	99	5	xiaoxia	xiaoxia	PROPN
fbem-18927	99	6	.	.	PUNCT
fbem-18927	100	1	"	"	PUNCT
fbem-18927	100	2	just	just	ADV
fbem-18927	100	3	demand	demand	NOUN
fbem-18927	100	4	"	"	PUNCT
fbem-18927	100	5	is	be	AUX
fbem-18927	100	6	the	the	DET
fbem-18927	100	7	key	key	NOUN
fbem-18927	100	8	to	to	ADP
fbem-18927	100	9	the	the	DET
fbem-18927	100	10	rise	rise	NOUN
fbem-18927	100	11	of	of	ADP
fbem-18927	100	12	p2p	p2p	NOUN
fbem-18927	100	13	finance	finance	NOUN
fbem-18927	100	14	[	[	X
fbem-18927	100	15	j	j	X
fbem-18927	100	16	]	]	X
fbem-18927	100	17	.	.	PUNCT
fbem-18927	101	1	luster,2016(02):32	luster,2016(02):32	NOUN
fbem-18927	101	2	-	-	PUNCT
fbem-18927	101	3	33	33	NUM
fbem-18927	101	4	.	.	PUNCT
fbem-18927	102	1	(	(	PUNCT
fbem-18927	102	2	in	in	ADP
fbem-18927	102	3	chinese	chinese	PROPN
fbem-18927	102	4	)	)	PUNCT
fbem-18927	103	1	[	[	X
fbem-18927	103	2	7	7	X
fbem-18927	103	3	]	]	SYM
fbem-18927	103	4	hu	hu	PROPN
fbem-18927	103	5	guosheng	guosheng	PROPN
fbem-18927	103	6	.	.	PUNCT
fbem-18927	104	1	analysis	analysis	NOUN
fbem-18927	104	2	of	of	ADP
fbem-18927	104	3	internet	internet	NOUN
fbem-18927	104	4	finance	finance	NOUN
fbem-18927	104	5	based	base	VERB
fbem-18927	104	6	on	on	ADP
fbem-18927	104	7	behavioral	behavioral	ADJ
fbem-18927	104	8	finance	finance	NOUN
fbem-18927	105	1	[	[	X
fbem-18927	105	2	j	j	X
fbem-18927	105	3	]	]	X
fbem-18927	105	4	.	.	PUNCT
fbem-18927	106	1	wuhan	wuhan	PROPN
fbem-18927	106	2	finance,2015(1	finance,2015(1	PROPN
fbem-18927	106	3	)	)	PUNCT
fbem-18927	106	4	;	;	PUNCT
fbem-18927	106	5	58	58	NUM
fbem-18927	106	6	-	-	SYM
fbem-18927	106	7	59	59	NUM
fbem-18927	106	8	.	.	PUNCT
fbem-18927	107	1	[	[	X
fbem-18927	107	2	8	8	NUM
fbem-18927	107	3	]	]	X
fbem-18927	107	4	huang	huang	PROPN
fbem-18927	107	5	jing	jing	PROPN
fbem-18927	107	6	,	,	PUNCT
fbem-18927	107	7	li	li	PROPN
fbem-18927	107	8	yujia	yujia	PROPN
fbem-18927	107	9	.	.	PUNCT
fbem-18927	108	1	discussion	discussion	NOUN
fbem-18927	108	2	on	on	ADP
fbem-18927	108	3	the	the	DET
fbem-18927	108	4	impact	impact	NOUN
fbem-18927	108	5	of	of	ADP
fbem-18927	108	6	the	the	DET
fbem-18927	108	7	rise	rise	NOUN
fbem-18927	108	8	of	of	ADP
fbem-18927	108	9	p2p	p2p	NOUN
fbem-18927	108	10	online	online	ADJ
fbem-18927	108	11	lending	lending	NOUN
fbem-18927	108	12	platform	platform	NOUN
fbem-18927	108	13	on	on	ADP
fbem-18927	108	14	the	the	DET
fbem-18927	108	15	financing	financing	NOUN
fbem-18927	108	16	of	of	ADP
fbem-18927	108	17	small	small	ADJ
fbem-18927	108	18	and	and	CCONJ
fbem-18927	108	19	micro	micro	ADJ
fbem-18927	108	20	enterprises	enterprise	NOUN
fbem-18927	108	21	[	[	X
fbem-18927	108	22	j	j	X
fbem-18927	108	23	]	]	X
fbem-18927	108	24	.	.	PUNCT
fbem-18927	109	1	finance	finance	NOUN
fbem-18927	109	2	and	and	CCONJ
fbem-18927	109	3	economics	economic	NOUN
fbem-18927	109	4	(	(	PUNCT
fbem-18927	109	5	academic	academic	ADJ
fbem-18927	109	6	edition),2015(18):103.aikinty	edition),2015(18):103.aikinty	PROPN
fbem-18927	109	7	.	.	PUNCT
fbem-18927	110	1	risk	risk	NOUN
fbem-18927	110	2	prevention	prevention	NOUN
fbem-18927	110	3	of	of	ADP
fbem-18927	110	4	p2p	p2p	NOUN
fbem-18927	110	5	online	online	ADJ
fbem-18927	110	6	lending	lending	NOUN
fbem-18927	110	7	platform	platform	NOUN
fbem-18927	111	1	[	[	X
fbem-18927	111	2	j	j	X
fbem-18927	111	3	]	]	X
fbem-18927	111	4	.	.	PUNCT
fbem-18927	112	1	china	china	PROPN
fbem-18927	112	2	finance	finance	PROPN
fbem-18927	112	3	,	,	PUNCT
fbem-18927	112	4	2012(14	2012(14	NUM
fbem-18927	112	5	)	)	PUNCT
fbem-18927	112	6	:	:	PUNCT
fbem-18927	112	7	79	79	NUM
fbem-18927	112	8	-	-	SYM
fbem-18927	112	9	81	81	NUM
fbem-18927	112	10	.	.	PUNCT
fbem-18927	113	1	(	(	PUNCT
fbem-18927	113	2	in	in	ADP
fbem-18927	113	3	chinese	chinese	ADJ
fbem-18927	113	4	)	)	PUNCT