id	sid	tid	token	lemma	pos
fbem-1908	1	1	frontiers	frontier	NOUN
fbem-1908	1	2	in	in	ADP
fbem-1908	1	3	business	business	NOUN
fbem-1908	1	4	,	,	PUNCT
fbem-1908	1	5	economics	economic	NOUN
fbem-1908	1	6	and	and	CCONJ
fbem-1908	1	7	management	management	NOUN
fbem-1908	1	8	issn	issn	PROPN
fbem-1908	1	9	:	:	PUNCT
fbem-1908	1	10	2766	2766	NUM
fbem-1908	1	11	-	-	PUNCT
fbem-1908	1	12	824x	824x	NUM
fbem-1908	1	13	|	|	ADJ
fbem-1908	1	14	vol	vol	NOUN
fbem-1908	1	15	.	.	PROPN
fbem-1908	2	1	5	5	NUM
fbem-1908	2	2	,	,	PUNCT
fbem-1908	2	3	no	no	INTJ
fbem-1908	2	4	.	.	NOUN
fbem-1908	2	5	3	3	NUM
fbem-1908	2	6	,	,	PUNCT
fbem-1908	2	7	2022	2022	NUM
fbem-1908	2	8	55	55	NUM
fbem-1908	3	1	the	the	DET
fbem-1908	3	2	impact	impact	NOUN
fbem-1908	3	3	of	of	ADP
fbem-1908	3	4	financial	financial	ADJ
fbem-1908	3	5	literacy	literacy	NOUN
fbem-1908	3	6	on	on	ADP
fbem-1908	3	7	household	household	NOUN
fbem-1908	3	8	consumption	consumption	NOUN
fbem-1908	3	9	-empirical	-empirical	ADJ
fbem-1908	3	10	analysis	analysis	NOUN
fbem-1908	3	11	based	base	VERB
fbem-1908	3	12	on	on	ADP
fbem-1908	3	13	the	the	DET
fbem-1908	3	14	chfs	chfs	PROPN
fbem-1908	3	15	yingqi	yingqi	PROPN
fbem-1908	3	16	ma1	ma1	PROPN
fbem-1908	3	17	,	,	PUNCT
fbem-1908	3	18	yang	yang	PROPN
fbem-1908	3	19	song1	song1	PROPN
fbem-1908	3	20	,	,	PUNCT
fbem-1908	3	21	nan	nan	PROPN
fbem-1908	3	22	xia2	xia2	PROPN
fbem-1908	3	23	,	,	PUNCT
fbem-1908	3	24	jiaming	jiame	VERB
fbem-1908	3	25	zhu3	zhu3	NOUN
fbem-1908	3	26	1school	1school	NUM
fbem-1908	3	27	of	of	ADP
fbem-1908	3	28	finance	finance	NOUN
fbem-1908	3	29	,	,	PUNCT
fbem-1908	3	30	anhui	anhui	PROPN
fbem-1908	3	31	university	university	PROPN
fbem-1908	3	32	of	of	ADP
fbem-1908	3	33	finance	finance	PROPN
fbem-1908	3	34	&	&	CCONJ
fbem-1908	3	35	economics	economics	PROPN
fbem-1908	3	36	,	,	PUNCT
fbem-1908	3	37	anhui	anhui	PROPN
fbem-1908	3	38	,	,	PUNCT
fbem-1908	3	39	china	china	PROPN
fbem-1908	3	40	2school	2school	NUM
fbem-1908	3	41	of	of	ADP
fbem-1908	3	42	economics	economic	NOUN
fbem-1908	3	43	,	,	PUNCT
fbem-1908	3	44	anhui	anhui	PROPN
fbem-1908	3	45	university	university	PROPN
fbem-1908	3	46	of	of	ADP
fbem-1908	3	47	finance	finance	PROPN
fbem-1908	3	48	&	&	CCONJ
fbem-1908	3	49	economics	economics	PROPN
fbem-1908	3	50	,	,	PUNCT
fbem-1908	3	51	anhui	anhui	PROPN
fbem-1908	3	52	,	,	PUNCT
fbem-1908	3	53	china	china	PROPN
fbem-1908	3	54	3school	3school	NUM
fbem-1908	3	55	of	of	ADP
fbem-1908	3	56	statistics	statistic	NOUN
fbem-1908	3	57	and	and	CCONJ
fbem-1908	3	58	applied	applied	ADJ
fbem-1908	3	59	mathematics	mathematic	NOUN
fbem-1908	3	60	,	,	PUNCT
fbem-1908	3	61	anhui	anhui	PROPN
fbem-1908	3	62	university	university	PROPN
fbem-1908	3	63	of	of	ADP
fbem-1908	3	64	finance	finance	NOUN
fbem-1908	3	65	and	and	CCONJ
fbem-1908	3	66	economics	economic	NOUN
fbem-1908	3	67	,	,	PUNCT
fbem-1908	3	68	anhui	anhui	PROPN
fbem-1908	3	69	,	,	PUNCT
fbem-1908	3	70	china	china	PROPN
fbem-1908	3	71	abstract	abstract	NOUN
fbem-1908	3	72	:	:	PUNCT
fbem-1908	3	73	in	in	ADP
fbem-1908	3	74	this	this	DET
fbem-1908	3	75	paper	paper	NOUN
fbem-1908	3	76	,	,	PUNCT
fbem-1908	3	77	the	the	DET
fbem-1908	3	78	relationship	relationship	NOUN
fbem-1908	3	79	between	between	ADP
fbem-1908	3	80	financial	financial	ADJ
fbem-1908	3	81	literacy	literacy	NOUN
fbem-1908	3	82	and	and	CCONJ
fbem-1908	3	83	household	household	NOUN
fbem-1908	3	84	consumption	consumption	NOUN
fbem-1908	3	85	is	be	AUX
fbem-1908	3	86	empirically	empirically	ADV
fbem-1908	3	87	analyzed	analyze	VERB
fbem-1908	3	88	by	by	ADP
fbem-1908	3	89	using	use	VERB
fbem-1908	3	90	the	the	DET
fbem-1908	3	91	chinese	chinese	PROPN
fbem-1908	3	92	family	family	PROPN
fbem-1908	3	93	micro	micro	PROPN
fbem-1908	3	94	database	database	PROPN
fbem-1908	3	95	(	(	PUNCT
fbem-1908	3	96	chfs	chfs	NOUN
fbem-1908	3	97	)	)	PUNCT
fbem-1908	3	98	,	,	PUNCT
fbem-1908	3	99	and	and	CCONJ
fbem-1908	3	100	the	the	DET
fbem-1908	3	101	consumption	consumption	NOUN
fbem-1908	3	102	structure	structure	NOUN
fbem-1908	3	103	of	of	ADP
fbem-1908	3	104	chinese	chinese	ADJ
fbem-1908	3	105	households	household	NOUN
fbem-1908	3	106	is	be	AUX
fbem-1908	3	107	subdivided	subdivide	VERB
fbem-1908	3	108	into	into	ADP
fbem-1908	3	109	survival	survival	NOUN
fbem-1908	3	110	consumption	consumption	NOUN
fbem-1908	3	111	,	,	PUNCT
fbem-1908	3	112	development	development	NOUN
fbem-1908	3	113	consumption	consumption	NOUN
fbem-1908	3	114	and	and	CCONJ
fbem-1908	3	115	enjoyment	enjoyment	NOUN
fbem-1908	3	116	consumption	consumption	NOUN
fbem-1908	3	117	,	,	PUNCT
fbem-1908	3	118	respectively	respectively	ADV
fbem-1908	3	119	,	,	PUNCT
fbem-1908	3	120	to	to	PART
fbem-1908	3	121	study	study	VERB
fbem-1908	3	122	the	the	DET
fbem-1908	3	123	impact	impact	NOUN
fbem-1908	3	124	of	of	ADP
fbem-1908	3	125	financial	financial	ADJ
fbem-1908	3	126	literacy	literacy	NOUN
fbem-1908	3	127	on	on	ADP
fbem-1908	3	128	different	different	ADJ
fbem-1908	3	129	consumption	consumption	NOUN
fbem-1908	3	130	structures	structure	NOUN
fbem-1908	3	131	.	.	PUNCT
fbem-1908	4	1	the	the	DET
fbem-1908	4	2	mediating	mediate	VERB
fbem-1908	4	3	effect	effect	NOUN
fbem-1908	4	4	of	of	ADP
fbem-1908	4	5	credit	credit	NOUN
fbem-1908	4	6	constraint	constraint	NOUN
fbem-1908	4	7	factors	factor	NOUN
fbem-1908	4	8	is	be	AUX
fbem-1908	4	9	studied	study	VERB
fbem-1908	4	10	and	and	CCONJ
fbem-1908	4	11	the	the	DET
fbem-1908	4	12	moderating	moderate	VERB
fbem-1908	4	13	effect	effect	NOUN
fbem-1908	4	14	of	of	ADP
fbem-1908	4	15	digital	digital	ADJ
fbem-1908	4	16	finance	finance	NOUN
fbem-1908	4	17	is	be	AUX
fbem-1908	4	18	explored	explore	VERB
fbem-1908	4	19	.	.	PUNCT
fbem-1908	5	1	the	the	DET
fbem-1908	5	2	results	result	NOUN
fbem-1908	5	3	show	show	VERB
fbem-1908	5	4	that	that	SCONJ
fbem-1908	5	5	:	:	PUNCT
fbem-1908	5	6	financial	financial	ADJ
fbem-1908	5	7	literacy	literacy	NOUN
fbem-1908	5	8	has	have	VERB
fbem-1908	5	9	a	a	DET
fbem-1908	5	10	significant	significant	ADJ
fbem-1908	5	11	impact	impact	NOUN
fbem-1908	5	12	on	on	ADP
fbem-1908	5	13	household	household	NOUN
fbem-1908	5	14	consumption	consumption	NOUN
fbem-1908	5	15	behavior	behavior	NOUN
fbem-1908	5	16	,	,	PUNCT
fbem-1908	5	17	and	and	CCONJ
fbem-1908	5	18	financial	financial	ADJ
fbem-1908	5	19	literacy	literacy	NOUN
fbem-1908	5	20	has	have	VERB
fbem-1908	5	21	a	a	DET
fbem-1908	5	22	significant	significant	ADJ
fbem-1908	5	23	positive	positive	ADJ
fbem-1908	5	24	impact	impact	NOUN
fbem-1908	5	25	on	on	ADP
fbem-1908	5	26	different	different	ADJ
fbem-1908	5	27	structures	structure	NOUN
fbem-1908	5	28	of	of	ADP
fbem-1908	5	29	household	household	NOUN
fbem-1908	5	30	consumption	consumption	NOUN
fbem-1908	5	31	behavior	behavior	NOUN
fbem-1908	5	32	.	.	PUNCT
fbem-1908	6	1	credit	credit	NOUN
fbem-1908	6	2	constraint	constraint	NOUN
fbem-1908	6	3	plays	play	VERB
fbem-1908	6	4	an	an	DET
fbem-1908	6	5	obvious	obvious	ADJ
fbem-1908	6	6	mediating	mediate	VERB
fbem-1908	6	7	role	role	NOUN
fbem-1908	6	8	between	between	ADP
fbem-1908	6	9	financial	financial	ADJ
fbem-1908	6	10	literacy	literacy	NOUN
fbem-1908	6	11	and	and	CCONJ
fbem-1908	6	12	household	household	NOUN
fbem-1908	6	13	consumption	consumption	NOUN
fbem-1908	6	14	.	.	PUNCT
fbem-1908	7	1	digital	digital	ADJ
fbem-1908	7	2	finance	finance	NOUN
fbem-1908	7	3	has	have	VERB
fbem-1908	7	4	a	a	DET
fbem-1908	7	5	direct	direct	ADJ
fbem-1908	7	6	mediating	mediate	VERB
fbem-1908	7	7	effect	effect	NOUN
fbem-1908	7	8	between	between	ADP
fbem-1908	7	9	financial	financial	ADJ
fbem-1908	7	10	literacy	literacy	NOUN
fbem-1908	7	11	and	and	CCONJ
fbem-1908	7	12	credit	credit	NOUN
fbem-1908	7	13	constraint	constraint	NOUN
fbem-1908	7	14	and	and	CCONJ
fbem-1908	7	15	between	between	ADP
fbem-1908	7	16	credit	credit	NOUN
fbem-1908	7	17	constraint	constraint	NOUN
fbem-1908	7	18	and	and	CCONJ
fbem-1908	7	19	household	household	NOUN
fbem-1908	7	20	consumption	consumption	NOUN
fbem-1908	7	21	,	,	PUNCT
fbem-1908	7	22	and	and	CCONJ
fbem-1908	7	23	has	have	VERB
fbem-1908	7	24	a	a	DET
fbem-1908	7	25	significant	significant	ADJ
fbem-1908	7	26	moderating	moderate	VERB
fbem-1908	7	27	effect	effect	NOUN
fbem-1908	7	28	on	on	ADP
fbem-1908	7	29	them	they	PRON
fbem-1908	7	30	.	.	PUNCT
fbem-1908	8	1	therefore	therefore	ADV
fbem-1908	8	2	,	,	PUNCT
fbem-1908	8	3	it	it	PRON
fbem-1908	8	4	provides	provide	VERB
fbem-1908	8	5	reference	reference	NOUN
fbem-1908	8	6	opinions	opinion	NOUN
fbem-1908	8	7	for	for	ADP
fbem-1908	8	8	promoting	promote	VERB
fbem-1908	8	9	consumption	consumption	NOUN
fbem-1908	8	10	from	from	ADP
fbem-1908	8	11	the	the	DET
fbem-1908	8	12	perspectives	perspective	NOUN
fbem-1908	8	13	of	of	ADP
fbem-1908	8	14	improving	improve	VERB
fbem-1908	8	15	the	the	DET
fbem-1908	8	16	financial	financial	ADJ
fbem-1908	8	17	literacy	literacy	NOUN
fbem-1908	8	18	of	of	ADP
fbem-1908	8	19	residents	resident	NOUN
fbem-1908	8	20	and	and	CCONJ
fbem-1908	8	21	increasing	increase	VERB
fbem-1908	8	22	the	the	DET
fbem-1908	8	23	development	development	NOUN
fbem-1908	8	24	of	of	ADP
fbem-1908	8	25	digital	digital	ADJ
fbem-1908	8	26	finance	finance	NOUN
fbem-1908	8	27	.	.	PUNCT
fbem-1908	9	1	keywords	keyword	NOUN
fbem-1908	9	2	:	:	PUNCT
fbem-1908	9	3	financial	financial	ADJ
fbem-1908	9	4	literacy	literacy	NOUN
fbem-1908	9	5	,	,	PUNCT
fbem-1908	9	6	credit	credit	NOUN
fbem-1908	9	7	constraint	constraint	NOUN
fbem-1908	9	8	,	,	PUNCT
fbem-1908	9	9	household	household	NOUN
fbem-1908	9	10	consumption	consumption	NOUN
fbem-1908	9	11	,	,	PUNCT
fbem-1908	9	12	digital	digital	ADJ
fbem-1908	9	13	financial	financial	ADJ
fbem-1908	9	14	,	,	PUNCT
fbem-1908	9	15	mechanism	mechanism	NOUN
fbem-1908	9	16	.	.	PUNCT
fbem-1908	10	1	1	1	X
fbem-1908	10	2	.	.	X
fbem-1908	10	3	introduction	introduction	NOUN
fbem-1908	10	4	the	the	DET
fbem-1908	10	5	14th	14th	ADJ
fbem-1908	10	6	five	five	NUM
fbem-1908	10	7	-	-	PUNCT
fbem-1908	10	8	year	year	NOUN
fbem-1908	10	9	plan	plan	NOUN
fbem-1908	10	10	for	for	ADP
fbem-1908	10	11	national	national	ADJ
fbem-1908	10	12	economic	economic	ADJ
fbem-1908	10	13	and	and	CCONJ
fbem-1908	10	14	social	social	ADJ
fbem-1908	10	15	development	development	NOUN
fbem-1908	10	16	of	of	ADP
fbem-1908	10	17	the	the	DET
fbem-1908	10	18	people	people	NOUN
fbem-1908	10	19	's	's	PART
fbem-1908	10	20	republic	republic	NOUN
fbem-1908	10	21	of	of	ADP
fbem-1908	10	22	china	china	PROPN
fbem-1908	10	23	and	and	CCONJ
fbem-1908	10	24	the	the	DET
fbem-1908	10	25	longterm	longterm	ADJ
fbem-1908	10	26	goals	goal	NOUN
fbem-1908	10	27	for	for	ADP
fbem-1908	10	28	2035	2035	NUM
fbem-1908	10	29	clearly	clearly	ADV
fbem-1908	10	30	proposes	propose	VERB
fbem-1908	10	31	to	to	PART
fbem-1908	10	32	comprehensively	comprehensively	ADV
fbem-1908	10	33	promote	promote	VERB
fbem-1908	10	34	consumption	consumption	NOUN
fbem-1908	10	35	and	and	CCONJ
fbem-1908	10	36	enhance	enhance	VERB
fbem-1908	10	37	the	the	DET
fbem-1908	10	38	fundamental	fundamental	ADJ
fbem-1908	10	39	role	role	NOUN
fbem-1908	10	40	of	of	ADP
fbem-1908	10	41	consumption	consumption	NOUN
fbem-1908	10	42	in	in	ADP
fbem-1908	10	43	economic	economic	ADJ
fbem-1908	10	44	development	development	NOUN
fbem-1908	10	45	.	.	PUNCT
fbem-1908	11	1	consumption	consumption	NOUN
fbem-1908	11	2	is	be	AUX
fbem-1908	11	3	the	the	DET
fbem-1908	11	4	final	final	ADJ
fbem-1908	11	5	demand	demand	NOUN
fbem-1908	11	6	,	,	PUNCT
fbem-1908	11	7	and	and	CCONJ
fbem-1908	11	8	in	in	ADP
fbem-1908	11	9	recent	recent	ADJ
fbem-1908	11	10	years	year	NOUN
fbem-1908	11	11	,	,	PUNCT
fbem-1908	11	12	the	the	DET
fbem-1908	11	13	government	government	NOUN
fbem-1908	11	14	has	have	AUX
fbem-1908	11	15	been	be	AUX
fbem-1908	11	16	committed	commit	VERB
fbem-1908	11	17	to	to	ADP
fbem-1908	11	18	expanding	expand	VERB
fbem-1908	11	19	consumer	consumer	NOUN
fbem-1908	11	20	demand	demand	NOUN
fbem-1908	11	21	and	and	CCONJ
fbem-1908	11	22	promoting	promote	VERB
fbem-1908	11	23	economic	economic	ADJ
fbem-1908	11	24	growth	growth	NOUN
fbem-1908	11	25	.	.	PUNCT
fbem-1908	12	1	as	as	SCONJ
fbem-1908	12	2	shown	show	VERB
fbem-1908	12	3	in	in	ADP
fbem-1908	12	4	figure	figure	NOUN
fbem-1908	12	5	1	1	NUM
fbem-1908	12	6	,	,	PUNCT
fbem-1908	12	7	the	the	DET
fbem-1908	12	8	household	household	NOUN
fbem-1908	12	9	consumption	consumption	NOUN
fbem-1908	12	10	rate	rate	NOUN
fbem-1908	12	11	in	in	ADP
fbem-1908	12	12	china	china	PROPN
fbem-1908	12	13	is	be	AUX
fbem-1908	12	14	generally	generally	ADV
fbem-1908	12	15	low	low	ADJ
fbem-1908	12	16	in	in	ADP
fbem-1908	12	17	recent	recent	ADJ
fbem-1908	12	18	years	year	NOUN
fbem-1908	12	19	,	,	PUNCT
fbem-1908	12	20	continuously	continuously	ADV
fbem-1908	12	21	falling	fall	VERB
fbem-1908	12	22	from	from	ADP
fbem-1908	12	23	the	the	DET
fbem-1908	12	24	peak	peak	NOUN
fbem-1908	12	25	of	of	ADP
fbem-1908	12	26	45.72	45.72	NUM
fbem-1908	12	27	%	%	NOUN
fbem-1908	12	28	in	in	ADP
fbem-1908	12	29	2001	2001	NUM
fbem-1908	12	30	,	,	PUNCT
fbem-1908	12	31	and	and	CCONJ
fbem-1908	12	32	reaching	reach	VERB
fbem-1908	12	33	the	the	DET
fbem-1908	12	34	lowest	low	ADJ
fbem-1908	12	35	trough	trough	NOUN
fbem-1908	12	36	of	of	ADP
fbem-1908	12	37	34.63	34.63	NUM
fbem-1908	12	38	%	%	NOUN
fbem-1908	12	39	in	in	ADP
fbem-1908	12	40	2010	2010	NUM
fbem-1908	12	41	.	.	PUNCT
fbem-1908	13	1	since	since	SCONJ
fbem-1908	13	2	then	then	ADV
fbem-1908	13	3	,	,	PUNCT
fbem-1908	13	4	it	it	PRON
fbem-1908	13	5	has	have	AUX
fbem-1908	13	6	been	be	AUX
fbem-1908	13	7	relatively	relatively	ADV
fbem-1908	13	8	stable	stable	ADJ
fbem-1908	13	9	without	without	ADP
fbem-1908	13	10	significant	significant	ADJ
fbem-1908	13	11	growth	growth	NOUN
fbem-1908	13	12	.	.	PUNCT
fbem-1908	14	1	at	at	ADP
fbem-1908	14	2	present	present	ADJ
fbem-1908	14	3	,	,	PUNCT
fbem-1908	14	4	china	china	PROPN
fbem-1908	14	5	's	's	PART
fbem-1908	14	6	economy	economy	NOUN
fbem-1908	14	7	is	be	AUX
fbem-1908	14	8	transforming	transform	VERB
fbem-1908	14	9	from	from	ADP
fbem-1908	14	10	high	high	ADJ
fbem-1908	14	11	-	-	PUNCT
fbem-1908	14	12	speed	speed	NOUN
fbem-1908	14	13	growth	growth	NOUN
fbem-1908	14	14	to	to	ADP
fbem-1908	14	15	high	high	ADJ
fbem-1908	14	16	-	-	PUNCT
fbem-1908	14	17	quality	quality	NOUN
fbem-1908	14	18	development	development	NOUN
fbem-1908	14	19	.	.	PUNCT
fbem-1908	15	1	it	it	PRON
fbem-1908	15	2	is	be	AUX
fbem-1908	15	3	clear	clear	ADJ
fbem-1908	15	4	that	that	SCONJ
fbem-1908	15	5	the	the	DET
fbem-1908	15	6	sluggish	sluggish	ADJ
fbem-1908	15	7	household	household	NOUN
fbem-1908	15	8	consumption	consumption	NOUN
fbem-1908	15	9	rate	rate	NOUN
fbem-1908	15	10	will	will	AUX
fbem-1908	15	11	shake	shake	VERB
fbem-1908	15	12	the	the	DET
fbem-1908	15	13	solid	solid	ADJ
fbem-1908	15	14	role	role	NOUN
fbem-1908	15	15	of	of	ADP
fbem-1908	15	16	consumption	consumption	NOUN
fbem-1908	15	17	in	in	ADP
fbem-1908	15	18	high	high	ADJ
fbem-1908	15	19	-	-	PUNCT
fbem-1908	15	20	quality	quality	NOUN
fbem-1908	15	21	economic	economic	ADJ
fbem-1908	15	22	development	development	NOUN
fbem-1908	15	23	.	.	PUNCT
fbem-1908	16	1	figure	figure	NOUN
fbem-1908	16	2	1	1	NUM
fbem-1908	16	3	.	.	PUNCT
fbem-1908	16	4	trend	trend	NOUN
fbem-1908	16	5	chart	chart	NOUN
fbem-1908	16	6	of	of	ADP
fbem-1908	16	7	china	china	PROPN
fbem-1908	16	8	's	's	PART
fbem-1908	16	9	household	household	NOUN
fbem-1908	16	10	consumption	consumption	NOUN
fbem-1908	16	11	rate	rate	NOUN
fbem-1908	16	12	from	from	ADP
fbem-1908	16	13	2001	2001	NUM
fbem-1908	16	14	to	to	ADP
fbem-1908	16	15	2021	2021	NUM
fbem-1908	16	16	0.00	0.00	NUM
fbem-1908	16	17	%	%	NOUN
fbem-1908	16	18	5.00	5.00	NUM
fbem-1908	16	19	%	%	NOUN
fbem-1908	16	20	10.00	10.00	NUM
fbem-1908	16	21	%	%	NOUN
fbem-1908	16	22	15.00	15.00	NUM
fbem-1908	16	23	%	%	NOUN
fbem-1908	16	24	20.00	20.00	NUM
fbem-1908	16	25	%	%	NOUN
fbem-1908	16	26	25.00	25.00	NUM
fbem-1908	16	27	%	%	NOUN
fbem-1908	16	28	30.00	30.00	NUM
fbem-1908	16	29	%	%	NOUN
fbem-1908	16	30	35.00	35.00	NUM
fbem-1908	16	31	%	%	NOUN
fbem-1908	16	32	40.00	40.00	NUM
fbem-1908	16	33	%	%	NOUN
fbem-1908	16	34	45.00	45.00	NUM
fbem-1908	16	35	%	%	NOUN
fbem-1908	16	36	50.00	50.00	NUM
fbem-1908	16	37	%	%	NOUN
fbem-1908	16	38	0	0	NUM
fbem-1908	16	39	50000	50000	NUM
fbem-1908	16	40	100000	100000	NUM
fbem-1908	16	41	150000	150000	NUM
fbem-1908	16	42	200000	200000	NUM
fbem-1908	16	43	250000	250000	NUM
fbem-1908	16	44	300000	300000	NUM
fbem-1908	16	45	350000	350000	NUM
fbem-1908	16	46	400000	400000	NUM
fbem-1908	16	47	450000	450000	NUM
fbem-1908	16	48	2	2	NUM
fbem-1908	16	49	0	0	NUM
fbem-1908	16	50	0	0	NUM
fbem-1908	16	51	1	1	NUM
fbem-1908	16	52	2	2	NUM
fbem-1908	16	53	0	0	NUM
fbem-1908	16	54	0	0	NUM
fbem-1908	16	55	2	2	NUM
fbem-1908	16	56	2	2	NUM
fbem-1908	16	57	0	0	NUM
fbem-1908	16	58	0	0	NUM
fbem-1908	16	59	3	3	NUM
fbem-1908	16	60	2	2	NUM
fbem-1908	16	61	0	0	NUM
fbem-1908	16	62	0	0	NUM
fbem-1908	16	63	4	4	NUM
fbem-1908	16	64	2	2	NUM
fbem-1908	16	65	0	0	NUM
fbem-1908	16	66	0	0	NUM
fbem-1908	16	67	5	5	NUM
fbem-1908	16	68	2	2	NUM
fbem-1908	16	69	0	0	NUM
fbem-1908	16	70	0	0	NUM
fbem-1908	16	71	6	6	NUM
fbem-1908	16	72	2	2	NUM
fbem-1908	16	73	0	0	NUM
fbem-1908	16	74	0	0	NUM
fbem-1908	16	75	7	7	NUM
fbem-1908	16	76	2	2	NUM
fbem-1908	16	77	0	0	NUM
fbem-1908	16	78	0	0	NUM
fbem-1908	16	79	8	8	NUM
fbem-1908	16	80	2	2	NUM
fbem-1908	16	81	0	0	NUM
fbem-1908	16	82	0	0	NUM
fbem-1908	16	83	9	9	NUM
fbem-1908	16	84	2	2	NUM
fbem-1908	16	85	0	0	NUM
fbem-1908	16	86	1	1	NUM
fbem-1908	16	87	0	0	NUM
fbem-1908	16	88	2	2	NUM
fbem-1908	16	89	0	0	NUM
fbem-1908	16	90	1	1	NUM
fbem-1908	16	91	1	1	NUM
fbem-1908	16	92	2	2	NUM
fbem-1908	16	93	0	0	NUM
fbem-1908	16	94	1	1	NUM
fbem-1908	16	95	2	2	NUM
fbem-1908	16	96	2	2	NUM
fbem-1908	16	97	0	0	NUM
fbem-1908	16	98	1	1	NUM
fbem-1908	16	99	3	3	NUM
fbem-1908	16	100	2	2	NUM
fbem-1908	16	101	0	0	NUM
fbem-1908	16	102	1	1	NUM
fbem-1908	16	103	4	4	NUM
fbem-1908	16	104	2	2	NUM
fbem-1908	16	105	0	0	NUM
fbem-1908	16	106	1	1	NUM
fbem-1908	16	107	5	5	NUM
fbem-1908	16	108	2	2	NUM
fbem-1908	16	109	0	0	NUM
fbem-1908	16	110	1	1	NUM
fbem-1908	16	111	6	6	NUM
fbem-1908	16	112	2	2	NUM
fbem-1908	16	113	0	0	NUM
fbem-1908	16	114	1	1	NUM
fbem-1908	16	115	7	7	NUM
fbem-1908	16	116	2	2	NUM
fbem-1908	16	117	0	0	NUM
fbem-1908	16	118	1	1	NUM
fbem-1908	16	119	8	8	NUM
fbem-1908	16	120	2	2	NUM
fbem-1908	16	121	0	0	NUM
fbem-1908	16	122	1	1	NUM
fbem-1908	16	123	9	9	NUM
fbem-1908	16	124	2	2	NUM
fbem-1908	16	125	0	0	NUM
fbem-1908	16	126	2	2	NUM
fbem-1908	16	127	0	0	NUM
fbem-1908	16	128	2	2	NUM
fbem-1908	16	129	0	0	NUM
fbem-1908	16	130	2	2	NUM
fbem-1908	16	131	1	1	NUM
fbem-1908	16	132	household	household	NOUN
fbem-1908	16	133	consumption	consumption	NOUN
fbem-1908	16	134	residents	resident	NOUN
fbem-1908	16	135	'	'	PART
fbem-1908	16	136	consumption	consumption	NOUN
fbem-1908	16	137	rate	rate	NOUN
fbem-1908	16	138	56	56	NUM
fbem-1908	16	139	it	it	PRON
fbem-1908	16	140	is	be	AUX
fbem-1908	16	141	crucial	crucial	ADJ
fbem-1908	16	142	to	to	PART
fbem-1908	16	143	explore	explore	VERB
fbem-1908	16	144	the	the	DET
fbem-1908	16	145	causes	cause	NOUN
fbem-1908	16	146	of	of	ADP
fbem-1908	16	147	the	the	DET
fbem-1908	16	148	low	low	ADJ
fbem-1908	16	149	consumption	consumption	NOUN
fbem-1908	16	150	rate	rate	NOUN
fbem-1908	16	151	in	in	ADP
fbem-1908	16	152	chinese	chinese	ADJ
fbem-1908	16	153	households	household	NOUN
fbem-1908	16	154	.	.	PUNCT
fbem-1908	17	1	studies	study	NOUN
fbem-1908	17	2	have	have	AUX
fbem-1908	17	3	been	be	AUX
fbem-1908	17	4	conducted	conduct	VERB
fbem-1908	17	5	mainly	mainly	ADV
fbem-1908	17	6	ranging	range	VERB
fbem-1908	17	7	from	from	ADP
fbem-1908	17	8	demographic	demographic	ADJ
fbem-1908	17	9	changes[1	changes[1	NOUN
fbem-1908	17	10	]	]	X
fbem-1908	17	11	,	,	PUNCT
fbem-1908	17	12	habituation[2	habituation[2	PROPN
fbem-1908	17	13	]	]	PUNCT
fbem-1908	17	14	,	,	PUNCT
fbem-1908	17	15	competitive	competitive	ADJ
fbem-1908	17	16	savings	saving	NOUN
fbem-1908	17	17	motivation[3]and	motivation[3]and	NOUN
fbem-1908	17	18	other	other	ADJ
fbem-1908	17	19	many	many	ADJ
fbem-1908	17	20	aspects	aspect	NOUN
fbem-1908	17	21	are	be	AUX
fbem-1908	17	22	discussed	discuss	VERB
fbem-1908	17	23	.	.	PUNCT
fbem-1908	18	1	however	however	ADV
fbem-1908	18	2	,	,	PUNCT
fbem-1908	18	3	there	there	PRON
fbem-1908	18	4	are	be	VERB
fbem-1908	18	5	very	very	ADV
fbem-1908	18	6	few	few	ADJ
fbem-1908	18	7	studies	study	NOUN
fbem-1908	18	8	on	on	ADP
fbem-1908	18	9	the	the	DET
fbem-1908	18	10	decision	decision	NOUN
fbem-1908	18	11	-	-	PUNCT
fbem-1908	18	12	making	make	VERB
fbem-1908	18	13	process	process	NOUN
fbem-1908	18	14	of	of	ADP
fbem-1908	18	15	household	household	NOUN
fbem-1908	18	16	consumption	consumption	NOUN
fbem-1908	18	17	.	.	PUNCT
fbem-1908	19	1	under	under	ADP
fbem-1908	19	2	the	the	DET
fbem-1908	19	3	premise	premise	NOUN
fbem-1908	19	4	of	of	ADP
fbem-1908	19	5	rational	rational	ADJ
fbem-1908	19	6	people	people	NOUN
fbem-1908	19	7	,	,	PUNCT
fbem-1908	19	8	the	the	DET
fbem-1908	19	9	classical	classical	ADJ
fbem-1908	19	10	inter	inter	ADJ
fbem-1908	19	11	-	-	ADJ
fbem-1908	19	12	period	period	NOUN
fbem-1908	19	13	selection	selection	NOUN
fbem-1908	19	14	theory	theory	NOUN
fbem-1908	19	15	holds	hold	VERB
fbem-1908	19	16	that	that	SCONJ
fbem-1908	19	17	people	people	NOUN
fbem-1908	19	18	's	's	PART
fbem-1908	19	19	consumption	consumption	NOUN
fbem-1908	19	20	needs	need	NOUN
fbem-1908	19	21	and	and	CCONJ
fbem-1908	19	22	savings	saving	NOUN
fbem-1908	19	23	plans	plan	NOUN
fbem-1908	19	24	are	be	AUX
fbem-1908	19	25	different	different	ADJ
fbem-1908	19	26	in	in	ADP
fbem-1908	19	27	different	different	ADJ
fbem-1908	19	28	periods	period	NOUN
fbem-1908	19	29	,	,	PUNCT
fbem-1908	19	30	which	which	PRON
fbem-1908	19	31	requires	require	VERB
fbem-1908	19	32	consumers	consumer	NOUN
fbem-1908	19	33	to	to	PART
fbem-1908	19	34	have	have	VERB
fbem-1908	19	35	high	high	ADJ
fbem-1908	19	36	financial	financial	ADJ
fbem-1908	19	37	literacy	literacy	NOUN
fbem-1908	19	38	to	to	PART
fbem-1908	19	39	make	make	VERB
fbem-1908	19	40	decisions	decision	NOUN
fbem-1908	19	41	.	.	PUNCT
fbem-1908	20	1	however	however	ADV
fbem-1908	20	2	,	,	PUNCT
fbem-1908	20	3	according	accord	VERB
fbem-1908	20	4	to	to	ADP
fbem-1908	20	5	the	the	DET
fbem-1908	20	6	consumer	consumer	NOUN
fbem-1908	20	7	financial	financial	ADJ
fbem-1908	20	8	literacy	literacy	NOUN
fbem-1908	20	9	index	index	NOUN
fbem-1908	20	10	released	release	VERB
fbem-1908	20	11	by	by	ADP
fbem-1908	20	12	the	the	DET
fbem-1908	20	13	people	people	NOUN
fbem-1908	20	14	's	's	PART
fbem-1908	20	15	bank	bank	PROPN
fbem-1908	20	16	of	of	ADP
fbem-1908	20	17	china	china	PROPN
fbem-1908	20	18	in	in	ADP
fbem-1908	20	19	2019	2019	NUM
fbem-1908	20	20	,	,	PUNCT
fbem-1908	20	21	the	the	DET
fbem-1908	20	22	level	level	NOUN
fbem-1908	20	23	of	of	ADP
fbem-1908	20	24	financial	financial	ADJ
fbem-1908	20	25	literacy	literacy	NOUN
fbem-1908	20	26	of	of	ADP
fbem-1908	20	27	chinese	chinese	ADJ
fbem-1908	20	28	consumers	consumer	NOUN
fbem-1908	20	29	is	be	AUX
fbem-1908	20	30	at	at	ADP
fbem-1908	20	31	a	a	DET
fbem-1908	20	32	relatively	relatively	ADV
fbem-1908	20	33	low	low	ADJ
fbem-1908	20	34	level	level	NOUN
fbem-1908	20	35	.	.	PUNCT
fbem-1908	21	1	therefore	therefore	ADV
fbem-1908	21	2	,	,	PUNCT
fbem-1908	21	3	it	it	PRON
fbem-1908	21	4	is	be	AUX
fbem-1908	21	5	particularly	particularly	ADV
fbem-1908	21	6	important	important	ADJ
fbem-1908	21	7	to	to	PART
fbem-1908	21	8	explore	explore	VERB
fbem-1908	21	9	the	the	DET
fbem-1908	21	10	influence	influence	NOUN
fbem-1908	21	11	process	process	NOUN
fbem-1908	21	12	and	and	CCONJ
fbem-1908	21	13	channels	channel	NOUN
fbem-1908	21	14	of	of	ADP
fbem-1908	21	15	financial	financial	ADJ
fbem-1908	21	16	literacy	literacy	NOUN
fbem-1908	21	17	on	on	ADP
fbem-1908	21	18	household	household	NOUN
fbem-1908	21	19	consumption	consumption	NOUN
fbem-1908	21	20	based	base	VERB
fbem-1908	21	21	on	on	ADP
fbem-1908	21	22	the	the	DET
fbem-1908	21	23	current	current	ADJ
fbem-1908	21	24	background	background	NOUN
fbem-1908	21	25	of	of	ADP
fbem-1908	21	26	household	household	NOUN
fbem-1908	21	27	consumption	consumption	NOUN
fbem-1908	21	28	,	,	PUNCT
fbem-1908	21	29	expand	expand	VERB
fbem-1908	21	30	residents	resident	NOUN
fbem-1908	21	31	'	'	PART
fbem-1908	21	32	consumption	consumption	NOUN
fbem-1908	21	33	and	and	CCONJ
fbem-1908	21	34	stimulate	stimulate	VERB
fbem-1908	21	35	economic	economic	ADJ
fbem-1908	21	36	growth	growth	NOUN
fbem-1908	21	37	.	.	PUNCT
fbem-1908	22	1	in	in	ADP
fbem-1908	22	2	addition	addition	NOUN
fbem-1908	22	3	,	,	PUNCT
fbem-1908	22	4	the	the	DET
fbem-1908	22	5	exploration	exploration	NOUN
fbem-1908	22	6	of	of	ADP
fbem-1908	22	7	the	the	DET
fbem-1908	22	8	mechanism	mechanism	NOUN
fbem-1908	22	9	and	and	CCONJ
fbem-1908	22	10	path	path	NOUN
fbem-1908	22	11	of	of	ADP
fbem-1908	22	12	the	the	DET
fbem-1908	22	13	influence	influence	NOUN
fbem-1908	22	14	of	of	ADP
fbem-1908	22	15	financial	financial	ADJ
fbem-1908	22	16	literacy	literacy	NOUN
fbem-1908	22	17	on	on	ADP
fbem-1908	22	18	household	household	NOUN
fbem-1908	22	19	consumption	consumption	NOUN
fbem-1908	22	20	is	be	AUX
fbem-1908	22	21	also	also	ADV
fbem-1908	22	22	an	an	DET
fbem-1908	22	23	urgent	urgent	ADJ
fbem-1908	22	24	key	key	ADJ
fbem-1908	22	25	issue	issue	NOUN
fbem-1908	22	26	in	in	ADP
fbem-1908	22	27	the	the	DET
fbem-1908	22	28	academic	academic	ADJ
fbem-1908	22	29	circles	circle	NOUN
fbem-1908	22	30	.	.	PUNCT
fbem-1908	23	1	for	for	ADP
fbem-1908	23	2	now	now	ADV
fbem-1908	23	3	,	,	PUNCT
fbem-1908	23	4	credit	credit	NOUN
fbem-1908	23	5	constraints	constraint	NOUN
fbem-1908	23	6	play	play	VERB
fbem-1908	23	7	an	an	DET
fbem-1908	23	8	important	important	ADJ
fbem-1908	23	9	role	role	NOUN
fbem-1908	23	10	.	.	PUNCT
fbem-1908	24	1	credit	credit	NOUN
fbem-1908	24	2	constraints	constraint	NOUN
fbem-1908	24	3	are	be	AUX
fbem-1908	24	4	mainly	mainly	ADV
fbem-1908	24	5	caused	cause	VERB
fbem-1908	24	6	by	by	ADP
fbem-1908	24	7	the	the	DET
fbem-1908	24	8	cognition	cognition	NOUN
fbem-1908	24	9	and	and	CCONJ
fbem-1908	24	10	behavior	behavior	NOUN
fbem-1908	24	11	deviation	deviation	NOUN
fbem-1908	24	12	caused	cause	VERB
fbem-1908	24	13	by	by	ADP
fbem-1908	24	14	the	the	DET
fbem-1908	24	15	loan	loan	NOUN
fbem-1908	24	16	demanders	demander	NOUN
fbem-1908	24	17	'	'	PART
fbem-1908	24	18	not	not	PART
fbem-1908	24	19	understanding	understanding	NOUN
fbem-1908	24	20	of	of	ADP
fbem-1908	24	21	the	the	DET
fbem-1908	24	22	loan	loan	NOUN
fbem-1908	24	23	policies	policy	NOUN
fbem-1908	24	24	and	and	CCONJ
fbem-1908	24	25	procedures	procedure	NOUN
fbem-1908	24	26	of	of	ADP
fbem-1908	24	27	financial	financial	ADJ
fbem-1908	24	28	institutions[4][5][5][6	institutions[4][5][5][6	PROPN
fbem-1908	24	29	]	]	PUNCT
fbem-1908	24	30	.	.	PUNCT
fbem-1908	25	1	the	the	DET
fbem-1908	25	2	improvement	improvement	NOUN
fbem-1908	25	3	of	of	ADP
fbem-1908	25	4	financial	financial	ADJ
fbem-1908	25	5	literacy	literacy	NOUN
fbem-1908	25	6	will	will	AUX
fbem-1908	25	7	significantly	significantly	ADV
fbem-1908	25	8	reduce	reduce	VERB
fbem-1908	25	9	individuals	individual	NOUN
fbem-1908	25	10	'	'	PART
fbem-1908	25	11	cognitive	cognitive	ADJ
fbem-1908	25	12	and	and	CCONJ
fbem-1908	25	13	behavioral	behavioral	ADJ
fbem-1908	25	14	bias	bias	NOUN
fbem-1908	25	15	,	,	PUNCT
fbem-1908	25	16	thus	thus	ADV
fbem-1908	25	17	improving	improve	VERB
fbem-1908	25	18	the	the	DET
fbem-1908	25	19	availability	availability	NOUN
fbem-1908	25	20	of	of	ADP
fbem-1908	25	21	families	family	NOUN
fbem-1908	25	22	to	to	PART
fbem-1908	25	23	obtain	obtain	VERB
fbem-1908	25	24	credit[7	credit[7	PRON
fbem-1908	25	25	]	]	X
fbem-1908	25	26	.	.	PUNCT
fbem-1908	26	1	our	our	PRON
fbem-1908	26	2	families	family	NOUN
fbem-1908	26	3	are	be	AUX
fbem-1908	26	4	facing	face	VERB
fbem-1908	26	5	very	very	ADV
fbem-1908	26	6	serious	serious	ADJ
fbem-1908	26	7	credit	credit	NOUN
fbem-1908	26	8	constraints[8][9][10]credit	constraints[8][9][10]credit	NOUN
fbem-1908	26	9	constraints	constraint	NOUN
fbem-1908	26	10	are	be	AUX
fbem-1908	26	11	also	also	ADV
fbem-1908	26	12	one	one	NUM
fbem-1908	26	13	of	of	ADP
fbem-1908	26	14	the	the	DET
fbem-1908	26	15	reasons	reason	NOUN
fbem-1908	26	16	affecting	affect	VERB
fbem-1908	26	17	the	the	DET
fbem-1908	26	18	growth	growth	NOUN
fbem-1908	26	19	of	of	ADP
fbem-1908	26	20	the	the	DET
fbem-1908	26	21	household	household	NOUN
fbem-1908	26	22	savings	saving	NOUN
fbem-1908	26	23	rate	rate	NOUN
fbem-1908	26	24	,	,	PUNCT
fbem-1908	26	25	which	which	PRON
fbem-1908	26	26	is	be	AUX
fbem-1908	26	27	bound	bind	VERB
fbem-1908	26	28	to	to	PART
fbem-1908	26	29	reduce	reduce	VERB
fbem-1908	26	30	the	the	DET
fbem-1908	26	31	household	household	NOUN
fbem-1908	26	32	consumption	consumption	NOUN
fbem-1908	26	33	rate	rate	NOUN
fbem-1908	26	34	.	.	PUNCT
fbem-1908	27	1	meng	meng	PROPN
fbem-1908	27	2	hongwei	hongwei	PROPN
fbem-1908	27	3	and	and	CCONJ
fbem-1908	27	4	wu	wu	PROPN
fbem-1908	27	5	weixing	weixe	VERB
fbem-1908	27	6	all	all	PRON
fbem-1908	27	7	believe	believe	VERB
fbem-1908	27	8	that	that	SCONJ
fbem-1908	27	9	the	the	DET
fbem-1908	27	10	improvement	improvement	NOUN
fbem-1908	27	11	of	of	ADP
fbem-1908	27	12	financial	financial	ADJ
fbem-1908	27	13	literacy	literacy	NOUN
fbem-1908	27	14	can	can	AUX
fbem-1908	27	15	drive	drive	VERB
fbem-1908	27	16	household	household	NOUN
fbem-1908	27	17	consumption[11][12	consumption[11][12	PROPN
fbem-1908	27	18	]	]	PUNCT
fbem-1908	27	19	.	.	PUNCT
fbem-1908	28	1	by	by	ADP
fbem-1908	28	2	combing	comb	VERB
fbem-1908	28	3	the	the	DET
fbem-1908	28	4	existing	exist	VERB
fbem-1908	28	5	literature	literature	NOUN
fbem-1908	28	6	,	,	PUNCT
fbem-1908	28	7	it	it	PRON
fbem-1908	28	8	is	be	AUX
fbem-1908	28	9	found	find	VERB
fbem-1908	28	10	that	that	SCONJ
fbem-1908	28	11	first	first	ADJ
fbem-1908	28	12	,	,	PUNCT
fbem-1908	28	13	most	most	ADJ
fbem-1908	28	14	studies	study	NOUN
fbem-1908	28	15	only	only	ADV
fbem-1908	28	16	analyze	analyze	VERB
fbem-1908	28	17	the	the	DET
fbem-1908	28	18	impact	impact	NOUN
fbem-1908	28	19	of	of	ADP
fbem-1908	28	20	financial	financial	ADJ
fbem-1908	28	21	knowledge	knowledge	NOUN
fbem-1908	28	22	on	on	ADP
fbem-1908	28	23	consumption	consumption	NOUN
fbem-1908	28	24	expenditure	expenditure	NOUN
fbem-1908	28	25	from	from	ADP
fbem-1908	28	26	the	the	DET
fbem-1908	28	27	whole	whole	NOUN
fbem-1908	28	28	of	of	ADP
fbem-1908	28	29	consumption	consumption	NOUN
fbem-1908	28	30	,	,	PUNCT
fbem-1908	28	31	and	and	CCONJ
fbem-1908	28	32	do	do	AUX
fbem-1908	28	33	not	not	PART
fbem-1908	28	34	comprehensively	comprehensively	ADV
fbem-1908	28	35	consider	consider	VERB
fbem-1908	28	36	the	the	DET
fbem-1908	28	37	consumption	consumption	NOUN
fbem-1908	28	38	structure	structure	NOUN
fbem-1908	28	39	comprehensively	comprehensively	ADV
fbem-1908	28	40	,	,	PUNCT
fbem-1908	28	41	and	and	CCONJ
fbem-1908	28	42	lack	lack	VERB
fbem-1908	28	43	a	a	DET
fbem-1908	28	44	more	more	ADV
fbem-1908	28	45	comprehensive	comprehensive	ADJ
fbem-1908	28	46	comparative	comparative	ADJ
fbem-1908	28	47	study	study	NOUN
fbem-1908	28	48	.	.	PUNCT
fbem-1908	29	1	therefore	therefore	ADV
fbem-1908	29	2	,	,	PUNCT
fbem-1908	29	3	it	it	PRON
fbem-1908	29	4	is	be	AUX
fbem-1908	29	5	very	very	ADV
fbem-1908	29	6	necessary	necessary	ADJ
fbem-1908	29	7	to	to	PART
fbem-1908	29	8	study	study	VERB
fbem-1908	29	9	the	the	DET
fbem-1908	29	10	overall	overall	ADJ
fbem-1908	29	11	impact	impact	NOUN
fbem-1908	29	12	of	of	ADP
fbem-1908	29	13	financial	financial	ADJ
fbem-1908	29	14	literacy	literacy	NOUN
fbem-1908	29	15	on	on	ADP
fbem-1908	29	16	residents	resident	NOUN
fbem-1908	29	17	'	'	PART
fbem-1908	29	18	consumption	consumption	NOUN
fbem-1908	29	19	.	.	PUNCT
fbem-1908	30	1	second	second	ADV
fbem-1908	30	2	,	,	PUNCT
fbem-1908	30	3	there	there	PRON
fbem-1908	30	4	are	be	VERB
fbem-1908	30	5	very	very	ADV
fbem-1908	30	6	few	few	ADJ
fbem-1908	30	7	studies	study	NOUN
fbem-1908	30	8	on	on	ADP
fbem-1908	30	9	the	the	DET
fbem-1908	30	10	intermediary	intermediary	ADJ
fbem-1908	30	11	effect	effect	NOUN
fbem-1908	30	12	of	of	ADP
fbem-1908	30	13	financial	financial	ADJ
fbem-1908	30	14	literacy	literacy	NOUN
fbem-1908	30	15	on	on	ADP
fbem-1908	30	16	family	family	NOUN
fbem-1908	30	17	consumption	consumption	NOUN
fbem-1908	30	18	,	,	PUNCT
fbem-1908	30	19	and	and	CCONJ
fbem-1908	30	20	only	only	ADV
fbem-1908	30	21	some	some	DET
fbem-1908	30	22	literature	literature	NOUN
fbem-1908	30	23	analyzes	analyze	VERB
fbem-1908	30	24	the	the	DET
fbem-1908	30	25	intermediary	intermediary	ADJ
fbem-1908	30	26	effect	effect	NOUN
fbem-1908	30	27	of	of	ADP
fbem-1908	30	28	family	family	NOUN
fbem-1908	30	29	insurance	insurance	NOUN
fbem-1908	30	30	and	and	CCONJ
fbem-1908	30	31	wealth	wealth	NOUN
fbem-1908	30	32	accumulation	accumulation	NOUN
fbem-1908	30	33	from	from	ADP
fbem-1908	30	34	the	the	DET
fbem-1908	30	35	perspective	perspective	NOUN
fbem-1908	30	36	of	of	ADP
fbem-1908	30	37	financial	financial	ADJ
fbem-1908	30	38	knowledge	knowledge	NOUN
fbem-1908	30	39	.	.	PUNCT
fbem-1908	31	1	third	third	ADJ
fbem-1908	31	2	,	,	PUNCT
fbem-1908	31	3	there	there	PRON
fbem-1908	31	4	are	be	VERB
fbem-1908	31	5	few	few	ADJ
fbem-1908	31	6	documents	document	NOUN
fbem-1908	31	7	to	to	PART
fbem-1908	31	8	further	far	ADV
fbem-1908	31	9	explore	explore	VERB
fbem-1908	31	10	whether	whether	SCONJ
fbem-1908	31	11	there	there	PRON
fbem-1908	31	12	is	be	VERB
fbem-1908	31	13	any	any	DET
fbem-1908	31	14	regulation	regulation	NOUN
fbem-1908	31	15	in	in	ADP
fbem-1908	31	16	the	the	DET
fbem-1908	31	17	process	process	NOUN
fbem-1908	31	18	of	of	ADP
fbem-1908	31	19	credit	credit	NOUN
fbem-1908	31	20	constraint	constraint	NOUN
fbem-1908	31	21	mediation	mediation	NOUN
fbem-1908	31	22	under	under	ADP
fbem-1908	31	23	the	the	DET
fbem-1908	31	24	background	background	NOUN
fbem-1908	31	25	of	of	ADP
fbem-1908	31	26	the	the	DET
fbem-1908	31	27	development	development	NOUN
fbem-1908	31	28	of	of	ADP
fbem-1908	31	29	digital	digital	ADJ
fbem-1908	31	30	finance	finance	NOUN
fbem-1908	31	31	.	.	PUNCT
fbem-1908	32	1	to	to	PART
fbem-1908	32	2	sum	sum	VERB
fbem-1908	32	3	up	up	ADP
fbem-1908	32	4	,	,	PUNCT
fbem-1908	32	5	this	this	DET
fbem-1908	32	6	paper	paper	NOUN
fbem-1908	32	7	will	will	AUX
fbem-1908	32	8	use	use	VERB
fbem-1908	32	9	chinese	chinese	ADJ
fbem-1908	32	10	family	family	PROPN
fbem-1908	32	11	micro	micro	PROPN
fbem-1908	32	12	financial	financial	PROPN
fbem-1908	32	13	database	database	NOUN
fbem-1908	32	14	to	to	PART
fbem-1908	32	15	study	study	VERB
fbem-1908	32	16	the	the	DET
fbem-1908	32	17	influence	influence	NOUN
fbem-1908	32	18	of	of	ADP
fbem-1908	32	19	financial	financial	ADJ
fbem-1908	32	20	knowledge	knowledge	NOUN
fbem-1908	32	21	on	on	ADP
fbem-1908	32	22	consumption	consumption	NOUN
fbem-1908	32	23	,	,	PUNCT
fbem-1908	32	24	analyze	analyze	VERB
fbem-1908	32	25	the	the	DET
fbem-1908	32	26	intermediary	intermediary	ADJ
fbem-1908	32	27	effect	effect	NOUN
fbem-1908	32	28	of	of	ADP
fbem-1908	32	29	credit	credit	NOUN
fbem-1908	32	30	constraints	constraint	NOUN
fbem-1908	32	31	,	,	PUNCT
fbem-1908	32	32	on	on	ADP
fbem-1908	32	33	the	the	DET
fbem-1908	32	34	one	one	NUM
fbem-1908	32	35	hand	hand	NOUN
fbem-1908	32	36	,	,	PUNCT
fbem-1908	32	37	help	help	VERB
fbem-1908	32	38	relevant	relevant	ADJ
fbem-1908	32	39	departments	department	NOUN
fbem-1908	32	40	to	to	PART
fbem-1908	32	41	better	well	ADV
fbem-1908	32	42	understand	understand	VERB
fbem-1908	32	43	the	the	DET
fbem-1908	32	44	characteristics	characteristic	NOUN
fbem-1908	32	45	of	of	ADP
fbem-1908	32	46	our	our	PRON
fbem-1908	32	47	household	household	NOUN
fbem-1908	32	48	consumption	consumption	NOUN
fbem-1908	32	49	demand	demand	NOUN
fbem-1908	32	50	and	and	CCONJ
fbem-1908	32	51	existing	exist	VERB
fbem-1908	32	52	problems	problem	NOUN
fbem-1908	32	53	,	,	PUNCT
fbem-1908	32	54	on	on	ADP
fbem-1908	32	55	the	the	DET
fbem-1908	32	56	other	other	ADJ
fbem-1908	32	57	hand	hand	NOUN
fbem-1908	32	58	to	to	PART
fbem-1908	32	59	further	far	ADV
fbem-1908	32	60	promote	promote	VERB
fbem-1908	32	61	the	the	DET
fbem-1908	32	62	chinese	chinese	ADJ
fbem-1908	32	63	consumption	consumption	NOUN
fbem-1908	32	64	growth	growth	NOUN
fbem-1908	32	65	provides	provide	VERB
fbem-1908	32	66	more	more	ADV
fbem-1908	32	67	reliable	reliable	ADJ
fbem-1908	32	68	ideas	idea	NOUN
fbem-1908	32	69	,	,	PUNCT
fbem-1908	32	70	is	be	AUX
fbem-1908	32	71	conducive	conducive	ADJ
fbem-1908	32	72	to	to	ADP
fbem-1908	32	73	the	the	DET
fbem-1908	32	74	relevant	relevant	ADJ
fbem-1908	32	75	departments	department	NOUN
fbem-1908	32	76	to	to	PART
fbem-1908	32	77	improve	improve	VERB
fbem-1908	32	78	the	the	DET
fbem-1908	32	79	residents	resident	NOUN
fbem-1908	32	80	'	'	PART
fbem-1908	32	81	financial	financial	ADJ
fbem-1908	32	82	literacy	literacy	NOUN
fbem-1908	32	83	,	,	PUNCT
fbem-1908	32	84	increase	increase	VERB
fbem-1908	32	85	the	the	DET
fbem-1908	32	86	development	development	NOUN
fbem-1908	32	87	of	of	ADP
fbem-1908	32	88	digital	digital	ADJ
fbem-1908	32	89	finance	finance	NOUN
fbem-1908	32	90	targeted	target	VERB
fbem-1908	32	91	policies	policy	NOUN
fbem-1908	32	92	and	and	CCONJ
fbem-1908	32	93	measures	measure	NOUN
fbem-1908	32	94	,	,	PUNCT
fbem-1908	32	95	to	to	PART
fbem-1908	32	96	provide	provide	VERB
fbem-1908	32	97	reference	reference	NOUN
fbem-1908	32	98	opinions	opinion	NOUN
fbem-1908	32	99	for	for	ADP
fbem-1908	32	100	decision	decision	NOUN
fbem-1908	32	101	-	-	PUNCT
fbem-1908	32	102	making	making	NOUN
fbem-1908	32	103	.	.	PUNCT
fbem-1908	33	1	2	2	X
fbem-1908	33	2	.	.	X
fbem-1908	33	3	the	the	DET
fbem-1908	33	4	theoretical	theoretical	ADJ
fbem-1908	33	5	framework	framework	NOUN
fbem-1908	33	6	2.1	2.1	NUM
fbem-1908	33	7	.	.	PUNCT
fbem-1908	33	8	financial	financial	ADJ
fbem-1908	33	9	literacy	literacy	NOUN
fbem-1908	33	10	and	and	CCONJ
fbem-1908	33	11	household	household	NOUN
fbem-1908	33	12	consumption	consumption	NOUN
fbem-1908	33	13	financial	financial	ADJ
fbem-1908	33	14	literacy	literacy	NOUN
fbem-1908	33	15	includes	include	VERB
fbem-1908	33	16	financial	financial	ADJ
fbem-1908	33	17	knowledge	knowledge	NOUN
fbem-1908	33	18	,	,	PUNCT
fbem-1908	33	19	financial	financial	ADJ
fbem-1908	33	20	skills	skill	NOUN
fbem-1908	33	21	,	,	PUNCT
fbem-1908	33	22	financial	financial	ADJ
fbem-1908	33	23	behavior	behavior	NOUN
fbem-1908	33	24	and	and	CCONJ
fbem-1908	33	25	financial	financial	ADJ
fbem-1908	33	26	attitude	attitude	NOUN
fbem-1908	33	27	,	,	PUNCT
fbem-1908	33	28	which	which	PRON
fbem-1908	33	29	refers	refer	VERB
fbem-1908	33	30	to	to	ADP
fbem-1908	33	31	the	the	DET
fbem-1908	33	32	knowledge	knowledge	NOUN
fbem-1908	33	33	and	and	CCONJ
fbem-1908	33	34	ability	ability	NOUN
fbem-1908	33	35	of	of	ADP
fbem-1908	33	36	consumers	consumer	NOUN
fbem-1908	33	37	to	to	PART
fbem-1908	33	38	effectively	effectively	ADV
fbem-1908	33	39	manage	manage	VERB
fbem-1908	33	40	their	their	PRON
fbem-1908	33	41	financial	financial	ADJ
fbem-1908	33	42	resources	resource	NOUN
fbem-1908	33	43	for	for	ADP
fbem-1908	33	44	their	their	PRON
fbem-1908	33	45	lifetime	lifetime	NOUN
fbem-1908	33	46	financial	financial	ADJ
fbem-1908	33	47	well	well	NOUN
fbem-1908	33	48	-	-	PUNCT
fbem-1908	33	49	being[13	being[13	NOUN
fbem-1908	33	50	]	]	PUNCT
fbem-1908	33	51	.	.	PUNCT
fbem-1908	34	1	wu	wu	PROPN
fbem-1908	34	2	kun	kun	PROPN
fbem-1908	34	3	and	and	CCONJ
fbem-1908	34	4	others	other	NOUN
fbem-1908	34	5	have	have	AUX
fbem-1908	34	6	also	also	ADV
fbem-1908	34	7	subdivided	subdivide	VERB
fbem-1908	34	8	financial	financial	ADJ
fbem-1908	34	9	literacy	literacy	NOUN
fbem-1908	34	10	into	into	ADP
fbem-1908	34	11	primary	primary	ADJ
fbem-1908	34	12	financial	financial	ADJ
fbem-1908	34	13	literacy	literacy	NOUN
fbem-1908	34	14	and	and	CCONJ
fbem-1908	34	15	senior	senior	ADJ
fbem-1908	34	16	financial	financial	ADJ
fbem-1908	34	17	literacy	literacy	NOUN
fbem-1908	34	18	,	,	PUNCT
fbem-1908	34	19	which	which	PRON
fbem-1908	34	20	have	have	VERB
fbem-1908	34	21	a	a	DET
fbem-1908	34	22	significant	significant	ADJ
fbem-1908	34	23	positive	positive	ADJ
fbem-1908	34	24	impact	impact	NOUN
fbem-1908	34	25	on	on	ADP
fbem-1908	34	26	the	the	DET
fbem-1908	34	27	total	total	ADJ
fbem-1908	34	28	household	household	NOUN
fbem-1908	34	29	consumption	consumption	NOUN
fbem-1908	34	30	and	and	CCONJ
fbem-1908	34	31	consumption	consumption	NOUN
fbem-1908	34	32	structure	structure	NOUN
fbem-1908	34	33	,	,	PUNCT
fbem-1908	34	34	respectively	respectively	ADV
fbem-1908	34	35	[	[	X
fbem-1908	34	36	14	14	NUM
fbem-1908	34	37	]	]	PUNCT
fbem-1908	34	38	.	.	PUNCT
fbem-1908	35	1	the	the	DET
fbem-1908	35	2	outbreak	outbreak	NOUN
fbem-1908	35	3	of	of	ADP
fbem-1908	35	4	the	the	DET
fbem-1908	35	5	financial	financial	ADJ
fbem-1908	35	6	crisis	crisis	NOUN
fbem-1908	35	7	in	in	ADP
fbem-1908	35	8	2008	2008	NUM
fbem-1908	35	9	is	be	AUX
fbem-1908	35	10	directly	directly	ADV
fbem-1908	35	11	related	relate	VERB
fbem-1908	35	12	to	to	ADP
fbem-1908	35	13	the	the	DET
fbem-1908	35	14	lack	lack	NOUN
fbem-1908	35	15	of	of	ADP
fbem-1908	35	16	consumer	consumer	NOUN
fbem-1908	35	17	financial	financial	ADJ
fbem-1908	35	18	literacy	literacy	NOUN
fbem-1908	35	19	.	.	PUNCT
fbem-1908	36	1	with	with	ADP
fbem-1908	36	2	the	the	DET
fbem-1908	36	3	increase	increase	NOUN
fbem-1908	36	4	of	of	ADP
fbem-1908	36	5	residents	resident	NOUN
fbem-1908	36	6	'	'	PART
fbem-1908	36	7	income	income	NOUN
fbem-1908	36	8	,	,	PUNCT
fbem-1908	36	9	more	more	ADJ
fbem-1908	36	10	and	and	CCONJ
fbem-1908	36	11	more	more	ADJ
fbem-1908	36	12	consumers	consumer	NOUN
fbem-1908	36	13	participate	participate	VERB
fbem-1908	36	14	in	in	ADP
fbem-1908	36	15	the	the	DET
fbem-1908	36	16	financial	financial	ADJ
fbem-1908	36	17	market	market	NOUN
fbem-1908	36	18	,	,	PUNCT
fbem-1908	36	19	but	but	CCONJ
fbem-1908	36	20	the	the	DET
fbem-1908	36	21	products	product	NOUN
fbem-1908	36	22	and	and	CCONJ
fbem-1908	36	23	tools	tool	NOUN
fbem-1908	36	24	of	of	ADP
fbem-1908	36	25	the	the	DET
fbem-1908	36	26	financial	financial	ADJ
fbem-1908	36	27	market	market	NOUN
fbem-1908	36	28	are	be	AUX
fbem-1908	36	29	increasingly	increasingly	ADV
fbem-1908	36	30	complex	complex	ADJ
fbem-1908	36	31	,	,	PUNCT
fbem-1908	36	32	which	which	PRON
fbem-1908	36	33	requires	require	VERB
fbem-1908	36	34	consumers	consumer	NOUN
fbem-1908	36	35	to	to	PART
fbem-1908	36	36	have	have	VERB
fbem-1908	36	37	certain	certain	ADJ
fbem-1908	36	38	cognitive	cognitive	ADJ
fbem-1908	36	39	ability	ability	NOUN
fbem-1908	36	40	and	and	CCONJ
fbem-1908	36	41	practical	practical	ADJ
fbem-1908	36	42	experience	experience	NOUN
fbem-1908	36	43	,	,	PUNCT
fbem-1908	36	44	to	to	PART
fbem-1908	36	45	make	make	VERB
fbem-1908	36	46	correct	correct	ADJ
fbem-1908	36	47	decisions	decision	NOUN
fbem-1908	36	48	.	.	PUNCT
fbem-1908	37	1	on	on	ADP
fbem-1908	37	2	the	the	DET
fbem-1908	37	3	other	other	ADJ
fbem-1908	37	4	hand	hand	NOUN
fbem-1908	37	5	,	,	PUNCT
fbem-1908	37	6	the	the	DET
fbem-1908	37	7	number	number	NOUN
fbem-1908	37	8	of	of	ADP
fbem-1908	37	9	population	population	NOUN
fbem-1908	37	10	is	be	AUX
fbem-1908	37	11	rising	rise	VERB
fbem-1908	37	12	,	,	PUNCT
fbem-1908	37	13	and	and	CCONJ
fbem-1908	37	14	the	the	DET
fbem-1908	37	15	aging	age	VERB
fbem-1908	37	16	population	population	NOUN
fbem-1908	37	17	is	be	AUX
fbem-1908	37	18	becoming	become	VERB
fbem-1908	37	19	more	more	ADV
fbem-1908	37	20	and	and	CCONJ
fbem-1908	37	21	more	more	ADV
fbem-1908	37	22	severe	severe	ADJ
fbem-1908	37	23	.	.	PUNCT
fbem-1908	38	1	in	in	ADP
fbem-1908	38	2	recent	recent	ADJ
fbem-1908	38	3	years	year	NOUN
fbem-1908	38	4	,	,	PUNCT
fbem-1908	38	5	the	the	DET
fbem-1908	38	6	state	state	NOUN
fbem-1908	38	7	has	have	AUX
fbem-1908	38	8	also	also	ADV
fbem-1908	38	9	encouraged	encourage	VERB
fbem-1908	38	10	commercial	commercial	ADJ
fbem-1908	38	11	endowment	endowment	NOUN
fbem-1908	38	12	insurance	insurance	NOUN
fbem-1908	38	13	to	to	PART
fbem-1908	38	14	become	become	VERB
fbem-1908	38	15	the	the	DET
fbem-1908	38	16	main	main	ADJ
fbem-1908	38	17	undertaker	undertaker	NOUN
fbem-1908	38	18	of	of	ADP
fbem-1908	38	19	individual	individual	ADJ
fbem-1908	38	20	and	and	CCONJ
fbem-1908	38	21	family	family	NOUN
fbem-1908	38	22	pension	pension	NOUN
fbem-1908	38	23	security	security	NOUN
fbem-1908	38	24	plans	plan	NOUN
fbem-1908	38	25	,	,	PUNCT
fbem-1908	38	26	so	so	SCONJ
fbem-1908	38	27	consumers	consumer	NOUN
fbem-1908	38	28	need	need	VERB
fbem-1908	38	29	to	to	PART
fbem-1908	38	30	fully	fully	ADV
fbem-1908	38	31	understand	understand	VERB
fbem-1908	38	32	the	the	DET
fbem-1908	38	33	related	relate	VERB
fbem-1908	38	34	services	service	NOUN
fbem-1908	38	35	of	of	ADP
fbem-1908	38	36	financial	financial	ADJ
fbem-1908	38	37	products	product	NOUN
fbem-1908	38	38	.	.	PUNCT
fbem-1908	39	1	yang	yang	PROPN
fbem-1908	39	2	liu	liu	PROPN
fbem-1908	39	3	and	and	CCONJ
fbem-1908	39	4	others	other	NOUN
fbem-1908	39	5	have	have	AUX
fbem-1908	39	6	also	also	ADV
fbem-1908	39	7	pointed	point	VERB
fbem-1908	39	8	out	out	ADP
fbem-1908	39	9	that	that	SCONJ
fbem-1908	39	10	consumers	consumer	NOUN
fbem-1908	39	11	with	with	ADP
fbem-1908	39	12	high	high	ADJ
fbem-1908	39	13	financial	financial	ADJ
fbem-1908	39	14	literacy	literacy	NOUN
fbem-1908	39	15	are	be	AUX
fbem-1908	39	16	more	more	ADV
fbem-1908	39	17	willing	willing	ADJ
fbem-1908	39	18	to	to	PART
fbem-1908	39	19	hold	hold	VERB
fbem-1908	39	20	commercial	commercial	ADJ
fbem-1908	39	21	health	health	NOUN
fbem-1908	39	22	insurance	insurance	NOUN
fbem-1908	39	23	and	and	CCONJ
fbem-1908	39	24	commercial	commercial	ADJ
fbem-1908	39	25	life	life	NOUN
fbem-1908	39	26	insurance	insurance	NOUN
fbem-1908	39	27	,	,	PUNCT
fbem-1908	39	28	rather	rather	ADV
fbem-1908	39	29	than	than	SCONJ
fbem-1908	39	30	they	they	PRON
fbem-1908	39	31	are	be	AUX
fbem-1908	39	32	not	not	PART
fbem-1908	39	33	willing	willing	ADJ
fbem-1908	39	34	to	to	PART
fbem-1908	39	35	hold	hold	VERB
fbem-1908	39	36	commercial	commercial	ADJ
fbem-1908	39	37	property	property	NOUN
fbem-1908	39	38	insurance[15	insurance[15	NOUN
fbem-1908	39	39	]	]	PUNCT
fbem-1908	39	40	.	.	PUNCT
fbem-1908	40	1	the	the	DET
fbem-1908	40	2	lack	lack	NOUN
fbem-1908	40	3	of	of	ADP
fbem-1908	40	4	household	household	NOUN
fbem-1908	40	5	consumption	consumption	NOUN
fbem-1908	40	6	demand	demand	NOUN
fbem-1908	40	7	has	have	AUX
fbem-1908	40	8	become	become	VERB
fbem-1908	40	9	an	an	DET
fbem-1908	40	10	important	important	ADJ
fbem-1908	40	11	factor	factor	NOUN
fbem-1908	40	12	restricting	restrict	VERB
fbem-1908	40	13	china	china	PROPN
fbem-1908	40	14	's	's	PART
fbem-1908	40	15	economic	economic	ADJ
fbem-1908	40	16	growth	growth	NOUN
fbem-1908	40	17	.	.	PUNCT
fbem-1908	41	1	the	the	DET
fbem-1908	41	2	study	study	NOUN
fbem-1908	41	3	of	of	ADP
fbem-1908	41	4	family	family	NOUN
fbem-1908	41	5	consumption	consumption	NOUN
fbem-1908	41	6	is	be	AUX
fbem-1908	41	7	inseparable	inseparable	ADJ
fbem-1908	41	8	from	from	ADP
fbem-1908	41	9	the	the	DET
fbem-1908	41	10	family	family	NOUN
fbem-1908	41	11	consumption	consumption	NOUN
fbem-1908	41	12	decision	decision	NOUN
fbem-1908	41	13	-	-	PUNCT
fbem-1908	41	14	making	make	VERB
fbem-1908	41	15	process	process	NOUN
fbem-1908	41	16	.	.	PUNCT
fbem-1908	42	1	the	the	DET
fbem-1908	42	2	formulation	formulation	NOUN
fbem-1908	42	3	of	of	ADP
fbem-1908	42	4	consumption	consumption	NOUN
fbem-1908	42	5	decisions	decision	NOUN
fbem-1908	42	6	requires	require	VERB
fbem-1908	42	7	comprehensive	comprehensive	ADJ
fbem-1908	42	8	information	information	NOUN
fbem-1908	42	9	from	from	ADP
fbem-1908	42	10	various	various	ADJ
fbem-1908	42	11	aspects	aspect	NOUN
fbem-1908	42	12	,	,	PUNCT
fbem-1908	42	13	and	and	CCONJ
fbem-1908	42	14	requires	require	VERB
fbem-1908	42	15	consumers	consumer	NOUN
fbem-1908	42	16	to	to	PART
fbem-1908	42	17	calculate	calculate	VERB
fbem-1908	42	18	and	and	CCONJ
fbem-1908	42	19	analyze	analyze	VERB
fbem-1908	42	20	,	,	PUNCT
fbem-1908	42	21	and	and	CCONJ
fbem-1908	42	22	make	make	VERB
fbem-1908	42	23	consumption	consumption	NOUN
fbem-1908	42	24	decisions	decision	NOUN
fbem-1908	42	25	accordingly[16	accordingly[16	PRON
fbem-1908	42	26	]	]	PUNCT
fbem-1908	42	27	.	.	PUNCT
fbem-1908	43	1	whether	whether	SCONJ
fbem-1908	43	2	the	the	DET
fbem-1908	43	3	consumption	consumption	NOUN
fbem-1908	43	4	decision	decision	NOUN
fbem-1908	43	5	is	be	AUX
fbem-1908	43	6	reasonable	reasonable	ADJ
fbem-1908	43	7	or	or	CCONJ
fbem-1908	43	8	not	not	PART
fbem-1908	43	9	directly	directly	ADV
fbem-1908	43	10	affects	affect	VERB
fbem-1908	43	11	the	the	DET
fbem-1908	43	12	level	level	NOUN
fbem-1908	43	13	of	of	ADP
fbem-1908	43	14	family	family	NOUN
fbem-1908	43	15	consumption	consumption	NOUN
fbem-1908	43	16	.	.	PUNCT
fbem-1908	44	1	obviously	obviously	ADV
fbem-1908	44	2	,	,	PUNCT
fbem-1908	44	3	the	the	DET
fbem-1908	44	4	more	more	ADV
fbem-1908	44	5	reasonable	reasonable	ADJ
fbem-1908	44	6	and	and	CCONJ
fbem-1908	44	7	more	more	ADV
fbem-1908	44	8	effective	effective	ADJ
fbem-1908	44	9	the	the	DET
fbem-1908	44	10	consumption	consumption	NOUN
fbem-1908	44	11	decisions	decision	NOUN
fbem-1908	44	12	are	be	AUX
fbem-1908	44	13	made	make	VERB
fbem-1908	44	14	,	,	PUNCT
fbem-1908	44	15	the	the	PRON
fbem-1908	44	16	higher	high	ADJ
fbem-1908	44	17	the	the	DET
fbem-1908	44	18	impact	impact	NOUN
fbem-1908	44	19	on	on	ADP
fbem-1908	44	20	household	household	NOUN
fbem-1908	44	21	consumption	consumption	NOUN
fbem-1908	44	22	.	.	PUNCT
fbem-1908	45	1	the	the	PRON
fbem-1908	45	2	higher	high	ADJ
fbem-1908	45	3	the	the	DET
fbem-1908	45	4	financial	financial	ADJ
fbem-1908	45	5	literacy	literacy	NOUN
fbem-1908	45	6	of	of	ADP
fbem-1908	45	7	consumers	consumer	NOUN
fbem-1908	45	8	,	,	PUNCT
fbem-1908	45	9	the	the	PRON
fbem-1908	45	10	higher	high	ADJ
fbem-1908	45	11	the	the	DET
fbem-1908	45	12	ability	ability	NOUN
fbem-1908	45	13	to	to	PART
fbem-1908	45	14	synthesize	synthesize	VERB
fbem-1908	45	15	information	information	NOUN
fbem-1908	45	16	and	and	CCONJ
fbem-1908	45	17	computational	computational	ADJ
fbem-1908	45	18	analysis	analysis	NOUN
fbem-1908	45	19	,	,	PUNCT
fbem-1908	45	20	so	so	SCONJ
fbem-1908	45	21	the	the	DET
fbem-1908	45	22	more	more	ADV
fbem-1908	45	23	reasonable	reasonable	ADJ
fbem-1908	45	24	and	and	CCONJ
fbem-1908	45	25	effective	effective	ADJ
fbem-1908	45	26	the	the	DET
fbem-1908	45	27	consumption	consumption	NOUN
fbem-1908	45	28	decisions	decision	NOUN
fbem-1908	45	29	will	will	AUX
fbem-1908	45	30	be	be	AUX
fbem-1908	45	31	.	.	PUNCT
fbem-1908	46	1	thus	thus	ADV
fbem-1908	46	2	,	,	PUNCT
fbem-1908	46	3	we	we	PRON
fbem-1908	46	4	propose	propose	VERB
fbem-1908	46	5	the	the	DET
fbem-1908	46	6	hypothesis	hypothesis	NOUN
fbem-1908	46	7	of	of	ADP
fbem-1908	46	8	1	1	NUM
fbem-1908	46	9	.	.	PUNCT
fbem-1908	46	10	hypothesis	hypothesis	NOUN
fbem-1908	46	11	1	1	NUM
fbem-1908	46	12	:	:	PUNCT
fbem-1908	46	13	financial	financial	ADJ
fbem-1908	46	14	literacy	literacy	NOUN
fbem-1908	46	15	helps	help	VERB
fbem-1908	46	16	to	to	PART
fbem-1908	46	17	promote	promote	VERB
fbem-1908	46	18	household	household	NOUN
fbem-1908	46	19	consumption	consumption	NOUN
fbem-1908	46	20	.	.	PUNCT
fbem-1908	47	1	2.2	2.2	NUM
fbem-1908	47	2	.	.	PUNCT
fbem-1908	48	1	credit	credit	NOUN
fbem-1908	48	2	constraints	constraint	NOUN
fbem-1908	48	3	financial	financial	ADJ
fbem-1908	48	4	literacy	literacy	NOUN
fbem-1908	48	5	plays	play	VERB
fbem-1908	48	6	an	an	DET
fbem-1908	48	7	important	important	ADJ
fbem-1908	48	8	role	role	NOUN
fbem-1908	48	9	in	in	ADP
fbem-1908	48	10	alleviating	alleviate	VERB
fbem-1908	48	11	the	the	DET
fbem-1908	48	12	impact	impact	NOUN
fbem-1908	48	13	of	of	ADP
fbem-1908	48	14	credit	credit	NOUN
fbem-1908	48	15	constraints	constraint	NOUN
fbem-1908	48	16	on	on	ADP
fbem-1908	48	17	household	household	NOUN
fbem-1908	48	18	consumption	consumption	NOUN
fbem-1908	48	19	.	.	PUNCT
fbem-1908	49	1	the	the	DET
fbem-1908	49	2	study	study	NOUN
fbem-1908	49	3	found	find	VERB
fbem-1908	49	4	that	that	SCONJ
fbem-1908	49	5	the	the	DET
fbem-1908	49	6	behavior	behavior	NOUN
fbem-1908	49	7	of	of	ADP
fbem-1908	49	8	credit	credit	NOUN
fbem-1908	49	9	-	-	PUNCT
fbem-1908	49	10	bound	bind	VERB
fbem-1908	49	11	families	family	NOUN
fbem-1908	49	12	was	be	AUX
fbem-1908	49	13	different	different	ADJ
fbem-1908	49	14	from	from	ADP
fbem-1908	49	15	that	that	PRON
fbem-1908	49	16	of	of	ADP
fbem-1908	49	17	uncredited	uncredited	ADJ
fbem-1908	49	18	-	-	PUNCT
fbem-1908	49	19	bound	bind	VERB
fbem-1908	49	20	families	family	NOUN
fbem-1908	49	21	.	.	PUNCT
fbem-1908	50	1	personal	personal	ADJ
fbem-1908	50	2	credit	credit	NOUN
fbem-1908	50	3	level	level	NOUN
fbem-1908	50	4	and	and	CCONJ
fbem-1908	50	5	financial	financial	ADJ
fbem-1908	50	6	literacy	literacy	NOUN
fbem-1908	50	7	into	into	ADP
fbem-1908	50	8	a	a	DET
fbem-1908	50	9	positive	positive	ADJ
fbem-1908	50	10	relationship	relationship	NOUN
fbem-1908	50	11	.	.	PUNCT
fbem-1908	51	1	the	the	PRON
fbem-1908	51	2	higher	high	ADJ
fbem-1908	51	3	the	the	DET
fbem-1908	51	4	financial	financial	ADJ
fbem-1908	51	5	literacy	literacy	NOUN
fbem-1908	51	6	of	of	ADP
fbem-1908	51	7	families	family	NOUN
fbem-1908	51	8	,	,	PUNCT
fbem-1908	51	9	the	the	DET
fbem-1908	51	10	number	number	NOUN
fbem-1908	51	11	of	of	ADP
fbem-1908	51	12	household	household	NOUN
fbem-1908	51	13	consumption	consumption	NOUN
fbem-1908	51	14	decisions	decision	NOUN
fbem-1908	51	15	will	will	AUX
fbem-1908	51	16	also	also	ADV
fbem-1908	51	17	increase	increase	VERB
fbem-1908	51	18	,	,	PUNCT
fbem-1908	51	19	which	which	PRON
fbem-1908	51	20	will	will	AUX
fbem-1908	51	21	have	have	VERB
fbem-1908	51	22	a	a	DET
fbem-1908	51	23	positive	positive	ADJ
fbem-1908	51	24	effect	effect	NOUN
fbem-1908	51	25	on	on	ADP
fbem-1908	51	26	reducing	reduce	VERB
fbem-1908	51	27	credit	credit	NOUN
fbem-1908	51	28	constraints	constraint	NOUN
fbem-1908	51	29	.	.	PUNCT
fbem-1908	52	1	the	the	PRON
fbem-1908	52	2	higher	high	ADJ
fbem-1908	52	3	the	the	DET
fbem-1908	52	4	financial	financial	ADJ
fbem-1908	52	5	literacy	literacy	NOUN
fbem-1908	52	6	level	level	NOUN
fbem-1908	52	7	of	of	ADP
fbem-1908	52	8	consumers	consumer	NOUN
fbem-1908	52	9	,	,	PUNCT
fbem-1908	52	10	their	their	PRON
fbem-1908	52	11	credit	credit	NOUN
fbem-1908	52	12	level	level	NOUN
fbem-1908	52	13	is	be	AUX
fbem-1908	52	14	also	also	ADV
fbem-1908	52	15	at	at	ADP
fbem-1908	52	16	a	a	DET
fbem-1908	52	17	high	high	ADJ
fbem-1908	52	18	level	level	NOUN
fbem-1908	52	19	,	,	PUNCT
fbem-1908	52	20	so	so	SCONJ
fbem-1908	52	21	it	it	PRON
fbem-1908	52	22	is	be	AUX
fbem-1908	52	23	easy	easy	ADJ
fbem-1908	52	24	to	to	PART
fbem-1908	52	25	pass	pass	VERB
fbem-1908	52	26	the	the	DET
fbem-1908	52	27	qualification	qualification	NOUN
fbem-1908	52	28	examination	examination	NOUN
fbem-1908	52	29	of	of	ADP
fbem-1908	52	30	bank	bank	NOUN
fbem-1908	52	31	loans	loan	NOUN
fbem-1908	52	32	,	,	PUNCT
fbem-1908	52	33	and	and	CCONJ
fbem-1908	52	34	the	the	DET
fbem-1908	52	35	less	less	ADV
fbem-1908	52	36	likely	likely	ADJ
fbem-1908	52	37	they	they	PRON
fbem-1908	52	38	are	be	AUX
fbem-1908	52	39	to	to	PART
fbem-1908	52	40	be	be	AUX
fbem-1908	52	41	constrained	constrain	VERB
fbem-1908	52	42	by	by	ADP
fbem-1908	52	43	formal	formal	ADJ
fbem-1908	52	44	credit[17	credit[17	PROPN
fbem-1908	52	45	]	]	PUNCT
fbem-1908	52	46	.	.	PUNCT
fbem-1908	53	1	wang	wang	PROPN
fbem-1908	53	2	and	and	CCONJ
fbem-1908	53	3	others	other	NOUN
fbem-1908	53	4	pointed	point	VERB
fbem-1908	53	5	out	out	ADP
fbem-1908	53	6	that	that	SCONJ
fbem-1908	53	7	families	family	NOUN
fbem-1908	53	8	with	with	ADP
fbem-1908	53	9	high	high	ADJ
fbem-1908	53	10	financial	financial	ADJ
fbem-1908	53	11	literacy	literacy	NOUN
fbem-1908	53	12	57	57	NUM
fbem-1908	53	13	can	can	AUX
fbem-1908	53	14	keep	keep	VERB
fbem-1908	53	15	savings	saving	NOUN
fbem-1908	53	16	liquidity	liquidity	NOUN
fbem-1908	53	17	and	and	CCONJ
fbem-1908	53	18	control	control	NOUN
fbem-1908	53	19	credit	credit	NOUN
fbem-1908	53	20	risks[13	risks[13	PROPN
fbem-1908	53	21	]	]	PUNCT
fbem-1908	53	22	.	.	PUNCT
fbem-1908	54	1	liquidity	liquidity	NOUN
fbem-1908	54	2	risk	risk	NOUN
fbem-1908	54	3	and	and	CCONJ
fbem-1908	54	4	credit	credit	NOUN
fbem-1908	54	5	constraints	constraint	NOUN
fbem-1908	54	6	are	be	AUX
fbem-1908	54	7	inseparable	inseparable	ADJ
fbem-1908	54	8	and	and	CCONJ
fbem-1908	54	9	related	relate	VERB
fbem-1908	54	10	,	,	PUNCT
fbem-1908	54	11	and	and	CCONJ
fbem-1908	54	12	the	the	DET
fbem-1908	54	13	two	two	NUM
fbem-1908	54	14	are	be	AUX
fbem-1908	54	15	closely	closely	ADV
fbem-1908	54	16	linked	link	VERB
fbem-1908	54	17	and	and	CCONJ
fbem-1908	54	18	interact	interact	VERB
fbem-1908	54	19	.	.	PUNCT
fbem-1908	55	1	credit	credit	NOUN
fbem-1908	55	2	constraints	constraint	NOUN
fbem-1908	55	3	significantly	significantly	ADV
fbem-1908	55	4	inhibit	inhibit	VERB
fbem-1908	55	5	household	household	NOUN
fbem-1908	55	6	consumption	consumption	NOUN
fbem-1908	55	7	,	,	PUNCT
fbem-1908	55	8	making	make	VERB
fbem-1908	55	9	their	their	PRON
fbem-1908	55	10	actual	actual	ADJ
fbem-1908	55	11	household	household	NOUN
fbem-1908	55	12	consumption	consumption	NOUN
fbem-1908	55	13	lower	low	ADJ
fbem-1908	55	14	than	than	ADP
fbem-1908	55	15	the	the	DET
fbem-1908	55	16	theoretical	theoretical	ADJ
fbem-1908	55	17	optimal	optimal	ADJ
fbem-1908	55	18	household	household	NOUN
fbem-1908	55	19	consumption[18][19	consumption[18][19	PROPN
fbem-1908	55	20	]	]	PUNCT
fbem-1908	55	21	.	.	PUNCT
fbem-1908	56	1	families	family	NOUN
fbem-1908	56	2	with	with	ADP
fbem-1908	56	3	higher	high	ADJ
fbem-1908	56	4	credit	credit	NOUN
fbem-1908	56	5	constraints	constraint	NOUN
fbem-1908	56	6	have	have	VERB
fbem-1908	56	7	a	a	DET
fbem-1908	56	8	negative	negative	ADJ
fbem-1908	56	9	impact	impact	NOUN
fbem-1908	56	10	on	on	ADP
fbem-1908	56	11	the	the	DET
fbem-1908	56	12	choice	choice	NOUN
fbem-1908	56	13	of	of	ADP
fbem-1908	56	14	all	all	DET
fbem-1908	56	15	kinds	kind	NOUN
fbem-1908	56	16	of	of	ADP
fbem-1908	56	17	family	family	NOUN
fbem-1908	56	18	assets[20	assets[20	NOUN
fbem-1908	56	19	]	]	PUNCT
fbem-1908	56	20	.	.	PUNCT
fbem-1908	57	1	consumer	consumer	NOUN
fbem-1908	57	2	credit	credit	NOUN
fbem-1908	57	3	is	be	AUX
fbem-1908	57	4	an	an	DET
fbem-1908	57	5	effective	effective	ADJ
fbem-1908	57	6	way	way	NOUN
fbem-1908	57	7	to	to	PART
fbem-1908	57	8	solve	solve	VERB
fbem-1908	57	9	epidemic	epidemic	NOUN
fbem-1908	57	10	constraints	constraint	NOUN
fbem-1908	57	11	,	,	PUNCT
fbem-1908	57	12	which	which	PRON
fbem-1908	57	13	can	can	AUX
fbem-1908	57	14	promote	promote	VERB
fbem-1908	57	15	consumption	consumption	NOUN
fbem-1908	57	16	by	by	ADP
fbem-1908	57	17	easing	ease	VERB
fbem-1908	57	18	liquidity	liquidity	NOUN
fbem-1908	57	19	constraints[21]and	constraints[21]and	NOUN
fbem-1908	57	20	credit	credit	NOUN
fbem-1908	57	21	constraints	constraint	NOUN
fbem-1908	57	22	clearly	clearly	ADV
fbem-1908	57	23	curb	curb	VERB
fbem-1908	57	24	liquidity	liquidity	NOUN
fbem-1908	57	25	,	,	PUNCT
fbem-1908	57	26	and	and	CCONJ
fbem-1908	57	27	inhibiting	inhibit	VERB
fbem-1908	57	28	household	household	NOUN
fbem-1908	57	29	consumption	consumption	NOUN
fbem-1908	57	30	.	.	PUNCT
fbem-1908	58	1	thus	thus	ADV
fbem-1908	58	2	,	,	PUNCT
fbem-1908	58	3	we	we	PRON
fbem-1908	58	4	propose	propose	VERB
fbem-1908	58	5	the	the	DET
fbem-1908	58	6	hypothesis	hypothesis	NOUN
fbem-1908	58	7	of	of	ADP
fbem-1908	58	8	2	2	NUM
fbem-1908	58	9	.	.	PUNCT
fbem-1908	58	10	hypothesis	hypothesis	NOUN
fbem-1908	58	11	2	2	NUM
fbem-1908	58	12	:	:	PUNCT
fbem-1908	58	13	credit	credit	NOUN
fbem-1908	58	14	constraint	constraint	NOUN
fbem-1908	58	15	plays	play	VERB
fbem-1908	58	16	an	an	DET
fbem-1908	58	17	intermediary	intermediary	ADJ
fbem-1908	58	18	role	role	NOUN
fbem-1908	58	19	in	in	ADP
fbem-1908	58	20	the	the	DET
fbem-1908	58	21	process	process	NOUN
fbem-1908	58	22	of	of	ADP
fbem-1908	58	23	financial	financial	ADJ
fbem-1908	58	24	literacy	literacy	NOUN
fbem-1908	58	25	affecting	affect	VERB
fbem-1908	58	26	household	household	NOUN
fbem-1908	58	27	consumption	consumption	NOUN
fbem-1908	58	28	.	.	PUNCT
fbem-1908	59	1	2.3	2.3	NUM
fbem-1908	59	2	.	.	PUNCT
fbem-1908	60	1	digital	digital	ADJ
fbem-1908	60	2	finance	finance	NOUN
fbem-1908	60	3	with	with	ADP
fbem-1908	60	4	the	the	DET
fbem-1908	60	5	rapid	rapid	ADJ
fbem-1908	60	6	development	development	NOUN
fbem-1908	60	7	of	of	ADP
fbem-1908	60	8	the	the	DET
fbem-1908	60	9	internet	internet	NOUN
fbem-1908	60	10	,	,	PUNCT
fbem-1908	60	11	digital	digital	ADJ
fbem-1908	60	12	finance	finance	NOUN
fbem-1908	60	13	has	have	AUX
fbem-1908	60	14	entered	enter	VERB
fbem-1908	60	15	the	the	DET
fbem-1908	60	16	attention	attention	NOUN
fbem-1908	60	17	of	of	ADP
fbem-1908	60	18	more	more	ADJ
fbem-1908	60	19	and	and	CCONJ
fbem-1908	60	20	more	more	ADJ
fbem-1908	60	21	consumers	consumer	NOUN
fbem-1908	60	22	.	.	PUNCT
fbem-1908	61	1	the	the	DET
fbem-1908	61	2	threshold	threshold	NOUN
fbem-1908	61	3	of	of	ADP
fbem-1908	61	4	digital	digital	ADJ
fbem-1908	61	5	financial	financial	ADJ
fbem-1908	61	6	services	service	NOUN
fbem-1908	61	7	is	be	AUX
fbem-1908	61	8	far	far	ADV
fbem-1908	61	9	lower	low	ADJ
fbem-1908	61	10	than	than	ADP
fbem-1908	61	11	that	that	PRON
fbem-1908	61	12	of	of	ADP
fbem-1908	61	13	traditional	traditional	ADJ
fbem-1908	61	14	financial	financial	ADJ
fbem-1908	61	15	services	service	NOUN
fbem-1908	61	16	,	,	PUNCT
fbem-1908	61	17	enabling	enable	VERB
fbem-1908	61	18	the	the	DET
fbem-1908	61	19	originally	originally	ADV
fbem-1908	61	20	excluded	exclude	VERB
fbem-1908	61	21	consumers	consumer	NOUN
fbem-1908	61	22	to	to	PART
fbem-1908	61	23	also	also	ADV
fbem-1908	61	24	enjoy	enjoy	VERB
fbem-1908	61	25	the	the	DET
fbem-1908	61	26	convenience	convenience	NOUN
fbem-1908	61	27	brought	bring	VERB
fbem-1908	61	28	by	by	ADP
fbem-1908	61	29	digital	digital	ADJ
fbem-1908	61	30	financial	financial	ADJ
fbem-1908	61	31	services[22	services[22	NOUN
fbem-1908	61	32	]	]	PUNCT
fbem-1908	61	33	.	.	PUNCT
fbem-1908	62	1	for	for	ADP
fbem-1908	62	2	micro	micro	NOUN
fbem-1908	62	3	,	,	PUNCT
fbem-1908	62	4	small	small	ADJ
fbem-1908	62	5	and	and	CCONJ
fbem-1908	62	6	medium	medium	ADJ
fbem-1908	62	7	-	-	PUNCT
fbem-1908	62	8	sized	sized	ADJ
fbem-1908	62	9	enterprises	enterprise	NOUN
fbem-1908	62	10	and	and	CCONJ
fbem-1908	62	11	vulnerable	vulnerable	ADJ
fbem-1908	62	12	groups	group	NOUN
fbem-1908	62	13	,	,	PUNCT
fbem-1908	62	14	there	there	PRON
fbem-1908	62	15	are	be	VERB
fbem-1908	62	16	serious	serious	ADJ
fbem-1908	62	17	credit	credit	NOUN
fbem-1908	62	18	constraints	constraint	NOUN
fbem-1908	62	19	,	,	PUNCT
fbem-1908	62	20	and	and	CCONJ
fbem-1908	62	21	the	the	DET
fbem-1908	62	22	traditional	traditional	ADJ
fbem-1908	62	23	financial	financial	ADJ
fbem-1908	62	24	services	service	NOUN
fbem-1908	62	25	are	be	AUX
fbem-1908	62	26	often	often	ADV
fbem-1908	62	27	concentrated	concentrate	VERB
fbem-1908	62	28	in	in	ADP
fbem-1908	62	29	large	large	ADJ
fbem-1908	62	30	enterprises	enterprise	NOUN
fbem-1908	62	31	and	and	CCONJ
fbem-1908	62	32	state	state	NOUN
fbem-1908	62	33	-	-	PUNCT
fbem-1908	62	34	owned	own	VERB
fbem-1908	62	35	enterprises	enterprise	NOUN
fbem-1908	62	36	.	.	PUNCT
fbem-1908	63	1	the	the	DET
fbem-1908	63	2	emergence	emergence	NOUN
fbem-1908	63	3	of	of	ADP
fbem-1908	63	4	new	new	ADJ
fbem-1908	63	5	digital	digital	ADJ
fbem-1908	63	6	finance	finance	NOUN
fbem-1908	63	7	has	have	AUX
fbem-1908	63	8	enhanced	enhance	VERB
fbem-1908	63	9	the	the	DET
fbem-1908	63	10	availability	availability	NOUN
fbem-1908	63	11	of	of	ADP
fbem-1908	63	12	financial	financial	ADJ
fbem-1908	63	13	services[23]to	services[23]to	PROPN
fbem-1908	63	14	reduce	reduce	VERB
fbem-1908	63	15	the	the	DET
fbem-1908	63	16	financial	financial	ADJ
fbem-1908	63	17	transaction	transaction	NOUN
fbem-1908	63	18	costs	cost	NOUN
fbem-1908	63	19	of	of	ADP
fbem-1908	63	20	residents	resident	NOUN
fbem-1908	63	21	and	and	CCONJ
fbem-1908	63	22	small	small	ADJ
fbem-1908	63	23	and	and	CCONJ
fbem-1908	63	24	medium	medium	ADJ
fbem-1908	63	25	-	-	PUNCT
fbem-1908	63	26	sized	sized	ADJ
fbem-1908	63	27	weak	weak	ADJ
fbem-1908	63	28	enterprises	enterprise	NOUN
fbem-1908	63	29	,	,	PUNCT
fbem-1908	63	30	and	and	CCONJ
fbem-1908	63	31	thus	thus	ADV
fbem-1908	63	32	reduce	reduce	VERB
fbem-1908	63	33	the	the	DET
fbem-1908	63	34	credit	credit	NOUN
fbem-1908	63	35	constraints	constraint	NOUN
fbem-1908	63	36	of	of	ADP
fbem-1908	63	37	residents	resident	NOUN
fbem-1908	63	38	.	.	PUNCT
fbem-1908	64	1	wan	wan	PROPN
fbem-1908	64	2	jiayu	jiayu	PROPN
fbem-1908	64	3	and	and	CCONJ
fbem-1908	64	4	others	other	NOUN
fbem-1908	64	5	also	also	ADV
fbem-1908	64	6	pointed	point	VERB
fbem-1908	64	7	out	out	ADP
fbem-1908	64	8	that	that	SCONJ
fbem-1908	64	9	the	the	DET
fbem-1908	64	10	development	development	NOUN
fbem-1908	64	11	of	of	ADP
fbem-1908	64	12	digital	digital	ADJ
fbem-1908	64	13	finance	finance	NOUN
fbem-1908	64	14	can	can	AUX
fbem-1908	64	15	significantly	significantly	ADV
fbem-1908	64	16	alleviate	alleviate	VERB
fbem-1908	64	17	the	the	DET
fbem-1908	64	18	financing	financing	NOUN
fbem-1908	64	19	constraints	constraint	NOUN
fbem-1908	64	20	of	of	ADP
fbem-1908	64	21	enterprises	enterprise	NOUN
fbem-1908	64	22	,	,	PUNCT
fbem-1908	64	23	and	and	CCONJ
fbem-1908	64	24	empirically	empirically	ADV
fbem-1908	64	25	test	test	VERB
fbem-1908	64	26	the	the	DET
fbem-1908	64	27	intermediary	intermediary	ADJ
fbem-1908	64	28	effect	effect	NOUN
fbem-1908	64	29	of	of	ADP
fbem-1908	64	30	financing	financing	NOUN
fbem-1908	64	31	constraints	constraint	NOUN
fbem-1908	64	32	in	in	ADP
fbem-1908	64	33	digital	digital	ADJ
fbem-1908	64	34	finance	finance	NOUN
fbem-1908	64	35	and	and	CCONJ
fbem-1908	64	36	enterprise	enterprise	NOUN
fbem-1908	64	37	innovation[24	innovation[24	NOUN
fbem-1908	64	38	]	]	X
fbem-1908	64	39	。	。	ADJ
fbem-1908	64	40	digital	digital	ADJ
fbem-1908	64	41	finance	finance	NOUN
fbem-1908	64	42	plays	play	VERB
fbem-1908	64	43	an	an	DET
fbem-1908	64	44	important	important	ADJ
fbem-1908	64	45	role	role	NOUN
fbem-1908	64	46	in	in	ADP
fbem-1908	64	47	household	household	NOUN
fbem-1908	64	48	consumption	consumption	NOUN
fbem-1908	64	49	.	.	PUNCT
fbem-1908	65	1	on	on	ADP
fbem-1908	65	2	the	the	DET
fbem-1908	65	3	one	one	NUM
fbem-1908	65	4	hand	hand	NOUN
fbem-1908	65	5	,	,	PUNCT
fbem-1908	65	6	digital	digital	ADJ
fbem-1908	65	7	finance	finance	NOUN
fbem-1908	65	8	can	can	AUX
fbem-1908	65	9	affect	affect	VERB
fbem-1908	65	10	household	household	NOUN
fbem-1908	65	11	consumption	consumption	NOUN
fbem-1908	65	12	by	by	ADP
fbem-1908	65	13	easing	ease	VERB
fbem-1908	65	14	liquidity	liquidity	NOUN
fbem-1908	65	15	constraints[25	constraints[25	NOUN
fbem-1908	65	16	]	]	PUNCT
fbem-1908	65	17	;	;	PUNCT
fbem-1908	65	18	liquidity	liquidity	NOUN
fbem-1908	65	19	constraints	constraint	NOUN
fbem-1908	65	20	and	and	CCONJ
fbem-1908	65	21	credit	credit	NOUN
fbem-1908	65	22	constraints	constraint	NOUN
fbem-1908	65	23	are	be	AUX
fbem-1908	65	24	also	also	ADV
fbem-1908	65	25	closely	closely	ADV
fbem-1908	65	26	linked	link	VERB
fbem-1908	65	27	.	.	PUNCT
fbem-1908	66	1	on	on	ADP
fbem-1908	66	2	the	the	DET
fbem-1908	66	3	other	other	ADJ
fbem-1908	66	4	hand	hand	NOUN
fbem-1908	66	5	,	,	PUNCT
fbem-1908	66	6	digital	digital	ADJ
fbem-1908	66	7	finance	finance	NOUN
fbem-1908	66	8	can	can	AUX
fbem-1908	66	9	also	also	ADV
fbem-1908	66	10	affect	affect	VERB
fbem-1908	66	11	household	household	NOUN
fbem-1908	66	12	consumption	consumption	NOUN
fbem-1908	66	13	by	by	ADP
fbem-1908	66	14	enhancing	enhance	VERB
fbem-1908	66	15	customers	customer	NOUN
fbem-1908	66	16	'	'	PART
fbem-1908	66	17	experience	experience	NOUN
fbem-1908	66	18	of	of	ADP
fbem-1908	66	19	convenient	convenient	ADJ
fbem-1908	66	20	consumption	consumption	NOUN
fbem-1908	66	21	.	.	PUNCT
fbem-1908	67	1	when	when	SCONJ
fbem-1908	67	2	consumers	consumer	NOUN
fbem-1908	67	3	make	make	VERB
fbem-1908	67	4	online	online	ADJ
fbem-1908	67	5	shopping	shopping	NOUN
fbem-1908	67	6	and	and	CCONJ
fbem-1908	67	7	internet	internet	NOUN
fbem-1908	67	8	consumption	consumption	NOUN
fbem-1908	67	9	,	,	PUNCT
fbem-1908	67	10	the	the	DET
fbem-1908	67	11	convenient	convenient	ADJ
fbem-1908	67	12	and	and	CCONJ
fbem-1908	67	13	fast	fast	ADJ
fbem-1908	67	14	payment	payment	NOUN
fbem-1908	67	15	experience	experience	NOUN
fbem-1908	67	16	can	can	AUX
fbem-1908	67	17	obviously	obviously	ADV
fbem-1908	67	18	increase	increase	VERB
fbem-1908	67	19	the	the	DET
fbem-1908	67	20	desire	desire	NOUN
fbem-1908	67	21	for	for	ADP
fbem-1908	67	22	consumption	consumption	NOUN
fbem-1908	67	23	.	.	PUNCT
fbem-1908	68	1	to	to	PART
fbem-1908	68	2	sum	sum	VERB
fbem-1908	68	3	up	up	ADP
fbem-1908	68	4	,	,	PUNCT
fbem-1908	68	5	digital	digital	ADJ
fbem-1908	68	6	finance	finance	NOUN
fbem-1908	68	7	can	can	AUX
fbem-1908	68	8	reduce	reduce	VERB
fbem-1908	68	9	the	the	DET
fbem-1908	68	10	credit	credit	NOUN
fbem-1908	68	11	constraints	constraint	NOUN
fbem-1908	68	12	of	of	ADP
fbem-1908	68	13	residents	resident	NOUN
fbem-1908	68	14	,	,	PUNCT
fbem-1908	68	15	and	and	CCONJ
fbem-1908	68	16	it	it	PRON
fbem-1908	68	17	can	can	AUX
fbem-1908	68	18	also	also	ADV
fbem-1908	68	19	have	have	VERB
fbem-1908	68	20	a	a	DET
fbem-1908	68	21	positive	positive	ADJ
fbem-1908	68	22	effect	effect	NOUN
fbem-1908	68	23	on	on	ADP
fbem-1908	68	24	household	household	NOUN
fbem-1908	68	25	consumption	consumption	NOUN
fbem-1908	68	26	.	.	PUNCT
fbem-1908	69	1	thus	thus	ADV
fbem-1908	69	2	,	,	PUNCT
fbem-1908	69	3	we	we	PRON
fbem-1908	69	4	propose	propose	VERB
fbem-1908	69	5	the	the	DET
fbem-1908	69	6	hypothesis	hypothesis	NOUN
fbem-1908	69	7	of	of	ADP
fbem-1908	69	8	3	3	NUM
fbem-1908	69	9	.	.	PUNCT
fbem-1908	69	10	hypothesis	hypothesis	NOUN
fbem-1908	69	11	3	3	NUM
fbem-1908	69	12	:	:	PUNCT
fbem-1908	69	13	digital	digital	ADJ
fbem-1908	69	14	finance	finance	NOUN
fbem-1908	69	15	has	have	VERB
fbem-1908	69	16	a	a	DET
fbem-1908	69	17	regulatory	regulatory	ADJ
fbem-1908	69	18	effect	effect	NOUN
fbem-1908	69	19	in	in	ADP
fbem-1908	69	20	the	the	DET
fbem-1908	69	21	intermediary	intermediary	ADJ
fbem-1908	69	22	effect	effect	NOUN
fbem-1908	69	23	of	of	ADP
fbem-1908	69	24	credit	credit	NOUN
fbem-1908	69	25	constraints	constraint	NOUN
fbem-1908	69	26	.	.	PUNCT
fbem-1908	70	1	3	3	X
fbem-1908	70	2	.	.	X
fbem-1908	70	3	description	description	NOUN
fbem-1908	70	4	of	of	ADP
fbem-1908	70	5	the	the	DET
fbem-1908	70	6	data	datum	NOUN
fbem-1908	70	7	sources	source	NOUN
fbem-1908	70	8	and	and	CCONJ
fbem-1908	70	9	the	the	DET
fbem-1908	70	10	variables	variable	NOUN
fbem-1908	70	11	3.1	3.1	NUM
fbem-1908	70	12	.	.	PUNCT
fbem-1908	70	13	data	datum	NOUN
fbem-1908	70	14	source	source	NOUN
fbem-1908	70	15	and	and	CCONJ
fbem-1908	70	16	description	description	NOUN
fbem-1908	70	17	the	the	DET
fbem-1908	70	18	data	datum	NOUN
fbem-1908	70	19	used	use	VERB
fbem-1908	70	20	in	in	ADP
fbem-1908	70	21	this	this	DET
fbem-1908	70	22	paper	paper	NOUN
fbem-1908	70	23	are	be	AUX
fbem-1908	70	24	derived	derive	VERB
fbem-1908	70	25	from	from	ADP
fbem-1908	70	26	the	the	DET
fbem-1908	70	27	china	china	PROPN
fbem-1908	70	28	family	family	PROPN
fbem-1908	70	29	finance	finance	NOUN
fbem-1908	70	30	survey	survey	NOUN
fbem-1908	70	31	(	(	PUNCT
fbem-1908	70	32	chfs	chfs	PROPN
fbem-1908	70	33	)	)	PUNCT
fbem-1908	70	34	conducted	conduct	VERB
fbem-1908	70	35	by	by	ADP
fbem-1908	70	36	the	the	DET
fbem-1908	70	37	china	china	PROPN
fbem-1908	70	38	family	family	PROPN
fbem-1908	70	39	finance	finance	NOUN
fbem-1908	70	40	survey	survey	NOUN
fbem-1908	70	41	and	and	CCONJ
fbem-1908	70	42	research	research	NOUN
fbem-1908	70	43	center	center	NOUN
fbem-1908	70	44	of	of	ADP
fbem-1908	70	45	southwestern	southwestern	ADJ
fbem-1908	70	46	university	university	PROPN
fbem-1908	70	47	of	of	ADP
fbem-1908	70	48	finance	finance	NOUN
fbem-1908	70	49	and	and	CCONJ
fbem-1908	70	50	economics	economic	NOUN
fbem-1908	70	51	.	.	PUNCT
fbem-1908	71	1	the	the	DET
fbem-1908	71	2	chfs	chfs	NOUN
fbem-1908	71	3	aims	aim	VERB
fbem-1908	71	4	to	to	PART
fbem-1908	71	5	collect	collect	VERB
fbem-1908	71	6	relevant	relevant	ADJ
fbem-1908	71	7	information	information	NOUN
fbem-1908	71	8	on	on	ADP
fbem-1908	71	9	the	the	DET
fbem-1908	71	10	micro	micro	NOUN
fbem-1908	71	11	-	-	NOUN
fbem-1908	71	12	level	level	NOUN
fbem-1908	71	13	of	of	ADP
fbem-1908	71	14	family	family	NOUN
fbem-1908	71	15	finance	finance	NOUN
fbem-1908	71	16	in	in	ADP
fbem-1908	71	17	china	china	PROPN
fbem-1908	71	18	.	.	PUNCT
fbem-1908	72	1	in	in	ADP
fbem-1908	72	2	2011	2011	NUM
fbem-1908	72	3	,	,	PUNCT
fbem-1908	72	4	the	the	DET
fbem-1908	72	5	project	project	NOUN
fbem-1908	72	6	officially	officially	ADV
fbem-1908	72	7	began	begin	VERB
fbem-1908	72	8	the	the	DET
fbem-1908	72	9	baseline	baseline	NOUN
fbem-1908	72	10	survey	survey	NOUN
fbem-1908	72	11	until	until	ADP
fbem-1908	72	12	2017	2017	NUM
fbem-1908	72	13	,	,	PUNCT
fbem-1908	72	14	when	when	SCONJ
fbem-1908	72	15	the	the	DET
fbem-1908	72	16	survey	survey	NOUN
fbem-1908	72	17	covered	cover	VERB
fbem-1908	72	18	29	29	NUM
fbem-1908	72	19	provinces	province	NOUN
fbem-1908	72	20	(	(	PUNCT
fbem-1908	72	21	autonomous	autonomous	ADJ
fbem-1908	72	22	regions	region	NOUN
fbem-1908	72	23	and	and	CCONJ
fbem-1908	72	24	municipalities	municipality	NOUN
fbem-1908	72	25	directly	directly	ADV
fbem-1908	72	26	under	under	ADP
fbem-1908	72	27	the	the	DET
fbem-1908	72	28	central	central	ADJ
fbem-1908	72	29	government	government	NOUN
fbem-1908	72	30	)	)	PUNCT
fbem-1908	72	31	,	,	PUNCT
fbem-1908	72	32	355	355	NUM
fbem-1908	72	33	districts	district	NOUN
fbem-1908	72	34	and	and	CCONJ
fbem-1908	72	35	counties	county	NOUN
fbem-1908	72	36	,	,	PUNCT
fbem-1908	72	37	and	and	CCONJ
fbem-1908	72	38	1,428	1,428	NUM
fbem-1908	72	39	village	village	NOUN
fbem-1908	72	40	(	(	PUNCT
fbem-1908	72	41	residential	residential	ADJ
fbem-1908	72	42	)	)	PUNCT
fbem-1908	72	43	committees	committee	NOUN
fbem-1908	72	44	.	.	PUNCT
fbem-1908	73	1	the	the	DET
fbem-1908	73	2	2017	2017	NUM
fbem-1908	73	3	data	datum	NOUN
fbem-1908	73	4	are	be	AUX
fbem-1908	73	5	selected	select	VERB
fbem-1908	73	6	,	,	PUNCT
fbem-1908	73	7	because	because	SCONJ
fbem-1908	73	8	the	the	DET
fbem-1908	73	9	head	head	NOUN
fbem-1908	73	10	of	of	ADP
fbem-1908	73	11	household	household	NOUN
fbem-1908	73	12	is	be	AUX
fbem-1908	73	13	not	not	PART
fbem-1908	73	14	explicitly	explicitly	ADV
fbem-1908	73	15	marked	mark	VERB
fbem-1908	73	16	in	in	ADP
fbem-1908	73	17	the	the	DET
fbem-1908	73	18	chfs	chf	NOUN
fbem-1908	73	19	,	,	PUNCT
fbem-1908	73	20	using	use	VERB
fbem-1908	73	21	the	the	DET
fbem-1908	73	22	first	first	ADJ
fbem-1908	73	23	person	person	NOUN
fbem-1908	73	24	as	as	ADP
fbem-1908	73	25	the	the	DET
fbem-1908	73	26	proxy	proxy	ADJ
fbem-1908	73	27	variable	variable	NOUN
fbem-1908	73	28	for	for	ADP
fbem-1908	73	29	the	the	DET
fbem-1908	73	30	head	head	NOUN
fbem-1908	73	31	of	of	ADP
fbem-1908	73	32	household	household	NOUN
fbem-1908	73	33	.	.	PUNCT
fbem-1908	74	1	3.2	3.2	NUM
fbem-1908	74	2	.	.	PUNCT
fbem-1908	75	1	variable	variable	ADJ
fbem-1908	75	2	setting	setting	NOUN
fbem-1908	75	3	and	and	CCONJ
fbem-1908	75	4	description	description	NOUN
fbem-1908	75	5	(	(	PUNCT
fbem-1908	75	6	1	1	X
fbem-1908	75	7	)	)	PUNCT
fbem-1908	75	8	the	the	DET
fbem-1908	75	9	measure	measure	NOUN
fbem-1908	75	10	of	of	ADP
fbem-1908	75	11	financial	financial	ADJ
fbem-1908	75	12	literacy	literacy	NOUN
fbem-1908	75	13	variables	variable	VERB
fbem-1908	75	14	the	the	DET
fbem-1908	75	15	main	main	ADJ
fbem-1908	75	16	controlling	control	VERB
fbem-1908	75	17	variable	variable	NOUN
fbem-1908	75	18	in	in	ADP
fbem-1908	75	19	this	this	DET
fbem-1908	75	20	paper	paper	NOUN
fbem-1908	75	21	is	be	AUX
fbem-1908	75	22	financial	financial	ADJ
fbem-1908	75	23	literacy	literacy	NOUN
fbem-1908	75	24	.	.	PUNCT
fbem-1908	76	1	referring	refer	VERB
fbem-1908	76	2	to	to	ADP
fbem-1908	76	3	the	the	DET
fbem-1908	76	4	previous	previous	ADJ
fbem-1908	76	5	literature	literature	NOUN
fbem-1908	76	6	,	,	PUNCT
fbem-1908	76	7	this	this	DET
fbem-1908	76	8	paper	paper	NOUN
fbem-1908	76	9	divides	divide	VERB
fbem-1908	76	10	the	the	DET
fbem-1908	76	11	financial	financial	ADJ
fbem-1908	76	12	literacy	literacy	NOUN
fbem-1908	76	13	level	level	NOUN
fbem-1908	76	14	into	into	ADP
fbem-1908	76	15	three	three	NUM
fbem-1908	76	16	levels	level	NOUN
fbem-1908	76	17	:	:	PUNCT
fbem-1908	76	18	financial	financial	ADJ
fbem-1908	76	19	knowledge	knowledge	NOUN
fbem-1908	76	20	,	,	PUNCT
fbem-1908	76	21	financial	financial	ADJ
fbem-1908	76	22	attitude	attitude	NOUN
fbem-1908	76	23	and	and	CCONJ
fbem-1908	76	24	financial	financial	ADJ
fbem-1908	76	25	skills	skill	NOUN
fbem-1908	76	26	.	.	PUNCT
fbem-1908	77	1	referring	refer	VERB
fbem-1908	77	2	to	to	ADP
fbem-1908	77	3	the	the	DET
fbem-1908	77	4	factor	factor	NOUN
fbem-1908	77	5	analysis	analysis	NOUN
fbem-1908	77	6	method	method	NOUN
fbem-1908	77	7	used	use	VERB
fbem-1908	77	8	by	by	ADP
fbem-1908	77	9	meng	meng	PROPN
fbem-1908	77	10	hongwei	hongwei	PROPN
fbem-1908	77	11	et	et	PROPN
fbem-1908	77	12	al	al	PROPN
fbem-1908	77	13	.	.	PROPN
fbem-1908	77	14	,	,	PUNCT
fbem-1908	77	15	yin	yin	PROPN
fbem-1908	77	16	zhichao	zhichao	PROPN
fbem-1908	77	17	et	et	PROPN
fbem-1908	77	18	al	al	PROPN
fbem-1908	77	19	.	.	PUNCT
fbem-1908	78	1	in	in	ADP
fbem-1908	78	2	constructing	construct	VERB
fbem-1908	78	3	financial	financial	ADJ
fbem-1908	78	4	literacy	literacy	NOUN
fbem-1908	78	5	indicators[26]however	indicators[26]however	ADV
fbem-1908	78	6	,	,	PUNCT
fbem-1908	78	7	compared	compare	VERB
fbem-1908	78	8	with	with	ADP
fbem-1908	78	9	financial	financial	ADJ
fbem-1908	78	10	knowledge	knowledge	NOUN
fbem-1908	78	11	indicators	indicator	NOUN
fbem-1908	78	12	,	,	PUNCT
fbem-1908	78	13	financial	financial	ADJ
fbem-1908	78	14	literacy	literacy	NOUN
fbem-1908	78	15	indicators	indicator	NOUN
fbem-1908	78	16	involve	involve	VERB
fbem-1908	78	17	a	a	DET
fbem-1908	78	18	wider	wide	ADJ
fbem-1908	78	19	range	range	NOUN
fbem-1908	78	20	and	and	CCONJ
fbem-1908	78	21	are	be	AUX
fbem-1908	78	22	more	more	ADV
fbem-1908	78	23	comprehensive	comprehensive	ADJ
fbem-1908	78	24	.	.	PUNCT
fbem-1908	79	1	the	the	DET
fbem-1908	79	2	financial	financial	ADJ
fbem-1908	79	3	literacy	literacy	NOUN
fbem-1908	79	4	indicators	indicator	NOUN
fbem-1908	79	5	listed	list	VERB
fbem-1908	79	6	in	in	ADP
fbem-1908	79	7	this	this	DET
fbem-1908	79	8	article	article	NOUN
fbem-1908	79	9	are	be	AUX
fbem-1908	79	10	shown	show	VERB
fbem-1908	79	11	in	in	ADP
fbem-1908	79	12	table	table	NOUN
fbem-1908	79	13	1	1	NUM
fbem-1908	79	14	.	.	PUNCT
fbem-1908	79	15	table	table	NOUN
fbem-1908	79	16	1	1	NUM
fbem-1908	79	17	describes	describe	VERB
fbem-1908	79	18	the	the	DET
fbem-1908	79	19	extraction	extraction	NOUN
fbem-1908	79	20	process	process	NOUN
fbem-1908	79	21	of	of	ADP
fbem-1908	79	22	the	the	DET
fbem-1908	79	23	financial	financial	ADJ
fbem-1908	79	24	literacy	literacy	NOUN
fbem-1908	79	25	indicators	indicator	NOUN
fbem-1908	79	26	.	.	PUNCT
fbem-1908	80	1	the	the	DET
fbem-1908	80	2	"	"	PUNCT
fbem-1908	80	3	calculation	calculation	NOUN
fbem-1908	80	4	of	of	ADP
fbem-1908	80	5	interest	interest	NOUN
fbem-1908	80	6	rate	rate	NOUN
fbem-1908	80	7	problem	problem	NOUN
fbem-1908	80	8	"	"	PUNCT
fbem-1908	80	9	,	,	PUNCT
fbem-1908	80	10	"	"	PUNCT
fbem-1908	80	11	inflation	inflation	NOUN
fbem-1908	80	12	explanation	explanation	NOUN
fbem-1908	80	13	"	"	PUNCT
fbem-1908	80	14	and	and	CCONJ
fbem-1908	80	15	"	"	PUNCT
fbem-1908	80	16	investment	investment	NOUN
fbem-1908	80	17	risk	risk	NOUN
fbem-1908	80	18	choice	choice	NOUN
fbem-1908	80	19	"	"	PUNCT
fbem-1908	80	20	are	be	AUX
fbem-1908	80	21	used	use	VERB
fbem-1908	80	22	to	to	PART
fbem-1908	80	23	reflect	reflect	VERB
fbem-1908	80	24	respondents	respondent	NOUN
fbem-1908	80	25	'	'	PART
fbem-1908	80	26	understanding	understanding	NOUN
fbem-1908	80	27	of	of	ADP
fbem-1908	80	28	financial	financial	ADJ
fbem-1908	80	29	knowledge	knowledge	NOUN
fbem-1908	80	30	,	,	PUNCT
fbem-1908	80	31	thus	thus	ADV
fbem-1908	80	32	depicting	depict	VERB
fbem-1908	80	33	financial	financial	ADJ
fbem-1908	80	34	knowledge	knowledge	NOUN
fbem-1908	80	35	factors	factor	NOUN
fbem-1908	80	36	;	;	PUNCT
fbem-1908	80	37	reflect	reflect	VERB
fbem-1908	80	38	their	their	PRON
fbem-1908	80	39	financial	financial	ADJ
fbem-1908	80	40	attitude	attitude	NOUN
fbem-1908	80	41	with	with	ADP
fbem-1908	80	42	"	"	PUNCT
fbem-1908	80	43	focus	focus	VERB
fbem-1908	80	44	on	on	ADP
fbem-1908	80	45	financial	financial	ADJ
fbem-1908	80	46	information	information	NOUN
fbem-1908	80	47	"	"	PUNCT
fbem-1908	80	48	,	,	PUNCT
fbem-1908	80	49	"	"	PUNCT
fbem-1908	80	50	investment	investment	NOUN
fbem-1908	80	51	project	project	NOUN
fbem-1908	80	52	selection	selection	NOUN
fbem-1908	80	53	"	"	PUNCT
fbem-1908	80	54	,	,	PUNCT
fbem-1908	80	55	"	"	PUNCT
fbem-1908	80	56	risk	risk	NOUN
fbem-1908	80	57	preference	preference	NOUN
fbem-1908	80	58	degree	degree	NOUN
fbem-1908	80	59	"	"	PUNCT
fbem-1908	80	60	;	;	PUNCT
fbem-1908	80	61	and	and	CCONJ
fbem-1908	80	62	"	"	PUNCT
fbem-1908	80	63	financial	financial	ADJ
fbem-1908	80	64	product	product	NOUN
fbem-1908	80	65	holding	hold	VERB
fbem-1908	80	66	"	"	PUNCT
fbem-1908	80	67	,	,	PUNCT
fbem-1908	80	68	"	"	PUNCT
fbem-1908	80	69	fund	fund	NOUN
fbem-1908	80	70	holding	holding	NOUN
fbem-1908	80	71	"	"	PUNCT
fbem-1908	80	72	and	and	CCONJ
fbem-1908	80	73	"	"	PUNCT
fbem-1908	80	74	financial	financial	ADJ
fbem-1908	80	75	product	product	NOUN
fbem-1908	80	76	holding	hold	VERB
fbem-1908	80	77	"	"	PUNCT
fbem-1908	80	78	,	,	PUNCT
fbem-1908	80	79	and	and	CCONJ
fbem-1908	80	80	extract	extract	VERB
fbem-1908	80	81	financial	financial	ADJ
fbem-1908	80	82	skill	skill	NOUN
fbem-1908	80	83	factors	factor	NOUN
fbem-1908	80	84	.	.	PUNCT
fbem-1908	81	1	it	it	PRON
fbem-1908	81	2	can	can	AUX
fbem-1908	81	3	be	be	AUX
fbem-1908	81	4	seen	see	VERB
fbem-1908	81	5	from	from	ADP
fbem-1908	81	6	table	table	NOUN
fbem-1908	81	7	1	1	NUM
fbem-1908	81	8	that	that	PRON
fbem-1908	81	9	the	the	DET
fbem-1908	81	10	respondents	respondent	NOUN
fbem-1908	81	11	have	have	VERB
fbem-1908	81	12	a	a	DET
fbem-1908	81	13	good	good	ADJ
fbem-1908	81	14	understanding	understanding	NOUN
fbem-1908	81	15	of	of	ADP
fbem-1908	81	16	the	the	DET
fbem-1908	81	17	investment	investment	NOUN
fbem-1908	81	18	risk	risk	NOUN
fbem-1908	81	19	problem	problem	NOUN
fbem-1908	81	20	,	,	PUNCT
fbem-1908	81	21	and	and	CCONJ
fbem-1908	81	22	nearly	nearly	ADV
fbem-1908	81	23	half	half	NOUN
fbem-1908	81	24	of	of	ADP
fbem-1908	81	25	the	the	DET
fbem-1908	81	26	respondents	respondent	NOUN
fbem-1908	81	27	can	can	AUX
fbem-1908	81	28	clearly	clearly	ADV
fbem-1908	81	29	identify	identify	VERB
fbem-1908	81	30	the	the	DET
fbem-1908	81	31	risk	risk	NOUN
fbem-1908	81	32	degree	degree	NOUN
fbem-1908	81	33	of	of	ADP
fbem-1908	81	34	the	the	DET
fbem-1908	81	35	investment	investment	NOUN
fbem-1908	81	36	risk	risk	NOUN
fbem-1908	81	37	problem	problem	NOUN
fbem-1908	81	38	.	.	PUNCT
fbem-1908	82	1	however	however	ADV
fbem-1908	82	2	,	,	PUNCT
fbem-1908	82	3	the	the	DET
fbem-1908	82	4	basic	basic	ADJ
fbem-1908	82	5	knowledge	knowledge	NOUN
fbem-1908	82	6	of	of	ADP
fbem-1908	82	7	financial	financial	ADJ
fbem-1908	82	8	knowledge	knowledge	NOUN
fbem-1908	82	9	,	,	PUNCT
fbem-1908	82	10	such	such	ADJ
fbem-1908	82	11	as	as	ADP
fbem-1908	82	12	the	the	DET
fbem-1908	82	13	interest	interest	NOUN
fbem-1908	82	14	rate	rate	NOUN
fbem-1908	82	15	calculation	calculation	NOUN
fbem-1908	82	16	question	question	NOUN
fbem-1908	82	17	,	,	PUNCT
fbem-1908	82	18	only	only	ADV
fbem-1908	82	19	less	less	ADJ
fbem-1908	82	20	than	than	ADP
fbem-1908	82	21	a	a	DET
fbem-1908	82	22	third	third	NOUN
fbem-1908	82	23	of	of	ADP
fbem-1908	82	24	the	the	DET
fbem-1908	82	25	respondents	respondent	NOUN
fbem-1908	82	26	answered	answer	VERB
fbem-1908	82	27	correctly	correctly	ADV
fbem-1908	82	28	,	,	PUNCT
fbem-1908	82	29	nearly	nearly	ADV
fbem-1908	82	30	a	a	DET
fbem-1908	82	31	second	second	NOUN
fbem-1908	82	32	of	of	ADP
fbem-1908	82	33	the	the	DET
fbem-1908	82	34	respondents	respondent	NOUN
fbem-1908	82	35	can	can	AUX
fbem-1908	82	36	not	not	PART
fbem-1908	82	37	calculate	calculate	VERB
fbem-1908	82	38	,	,	PUNCT
fbem-1908	82	39	with	with	ADP
fbem-1908	82	40	the	the	DET
fbem-1908	82	41	deepening	deepening	NOUN
fbem-1908	82	42	of	of	ADP
fbem-1908	82	43	the	the	DET
fbem-1908	82	44	problem	problem	NOUN
fbem-1908	82	45	,	,	PUNCT
fbem-1908	82	46	only	only	ADV
fbem-1908	82	47	less	less	ADJ
fbem-1908	82	48	than	than	ADP
fbem-1908	82	49	1	1	NUM
fbem-1908	82	50	/	/	SYM
fbem-1908	82	51	6	6	NUM
fbem-1908	82	52	of	of	ADP
fbem-1908	82	53	the	the	DET
fbem-1908	82	54	respondents	respondent	NOUN
fbem-1908	82	55	can	can	AUX
fbem-1908	82	56	understand	understand	VERB
fbem-1908	82	57	the	the	DET
fbem-1908	82	58	understanding	understanding	NOUN
fbem-1908	82	59	of	of	ADP
fbem-1908	82	60	inflation	inflation	NOUN
fbem-1908	82	61	.	.	PUNCT
fbem-1908	83	1	in	in	ADP
fbem-1908	83	2	terms	term	NOUN
fbem-1908	83	3	of	of	ADP
fbem-1908	83	4	financial	financial	ADJ
fbem-1908	83	5	attitudes	attitude	NOUN
fbem-1908	83	6	,	,	PUNCT
fbem-1908	83	7	only	only	ADV
fbem-1908	83	8	1	1	NUM
fbem-1908	83	9	/	/	SYM
fbem-1908	83	10	10	10	NUM
fbem-1908	83	11	of	of	ADP
fbem-1908	83	12	the	the	DET
fbem-1908	83	13	respondents	respondent	NOUN
fbem-1908	83	14	paid	pay	VERB
fbem-1908	83	15	attention	attention	NOUN
fbem-1908	83	16	to	to	ADP
fbem-1908	83	17	financial	financial	ADJ
fbem-1908	83	18	information	information	NOUN
fbem-1908	83	19	above	above	ADP
fbem-1908	83	20	the	the	DET
fbem-1908	83	21	general	general	ADJ
fbem-1908	83	22	level	level	NOUN
fbem-1908	83	23	,	,	PUNCT
fbem-1908	83	24	and	and	CCONJ
fbem-1908	83	25	more	more	ADJ
fbem-1908	83	26	than	than	ADP
fbem-1908	83	27	1	1	NUM
fbem-1908	83	28	/	/	SYM
fbem-1908	83	29	2	2	NUM
fbem-1908	83	30	of	of	ADP
fbem-1908	83	31	the	the	DET
fbem-1908	83	32	respondents	respondent	NOUN
fbem-1908	83	33	never	never	ADV
fbem-1908	83	34	paid	pay	VERB
fbem-1908	83	35	attention	attention	NOUN
fbem-1908	83	36	to	to	ADP
fbem-1908	83	37	financial	financial	ADJ
fbem-1908	83	38	information	information	NOUN
fbem-1908	83	39	.	.	PUNCT
fbem-1908	84	1	for	for	ADP
fbem-1908	84	2	the	the	DET
fbem-1908	84	3	choice	choice	NOUN
fbem-1908	84	4	of	of	ADP
fbem-1908	84	5	investment	investment	NOUN
fbem-1908	84	6	projects	project	NOUN
fbem-1908	84	7	,	,	PUNCT
fbem-1908	84	8	more	more	ADJ
fbem-1908	84	9	than	than	ADP
fbem-1908	84	10	a	a	DET
fbem-1908	84	11	second	second	NOUN
fbem-1908	84	12	of	of	ADP
fbem-1908	84	13	the	the	DET
fbem-1908	84	14	respondents	respondent	NOUN
fbem-1908	84	15	still	still	ADV
fbem-1908	84	16	chose	choose	VERB
fbem-1908	84	17	a	a	DET
fbem-1908	84	18	low	low	ADJ
fbem-1908	84	19	-	-	PUNCT
fbem-1908	84	20	risk	risk	NOUN
fbem-1908	84	21	project	project	NOUN
fbem-1908	84	22	,	,	PUNCT
fbem-1908	84	23	or	or	CCONJ
fbem-1908	84	24	even	even	ADV
fbem-1908	84	25	unwilling	unwilling	ADJ
fbem-1908	84	26	to	to	PART
fbem-1908	84	27	take	take	VERB
fbem-1908	84	28	any	any	DET
fbem-1908	84	29	risk	risk	NOUN
fbem-1908	84	30	of	of	ADP
fbem-1908	84	31	the	the	DET
fbem-1908	84	32	projects	project	NOUN
fbem-1908	84	33	.	.	PUNCT
fbem-1908	85	1	in	in	ADP
fbem-1908	85	2	terms	term	NOUN
fbem-1908	85	3	of	of	ADP
fbem-1908	85	4	financial	financial	ADJ
fbem-1908	85	5	skills	skill	NOUN
fbem-1908	85	6	,	,	PUNCT
fbem-1908	85	7	only	only	ADV
fbem-1908	85	8	1	1	NUM
fbem-1908	85	9	/	/	SYM
fbem-1908	85	10	10	10	NUM
fbem-1908	85	11	of	of	ADP
fbem-1908	85	12	the	the	DET
fbem-1908	85	13	respondents	respondent	NOUN
fbem-1908	85	14	held	hold	VERB
fbem-1908	85	15	shares	share	NOUN
fbem-1908	85	16	,	,	PUNCT
fbem-1908	85	17	and	and	CCONJ
fbem-1908	85	18	less	less	ADJ
fbem-1908	85	19	than	than	ADP
fbem-1908	85	20	1	1	NUM
fbem-1908	85	21	/	/	SYM
fbem-1908	85	22	20	20	NUM
fbem-1908	85	23	of	of	ADP
fbem-1908	85	24	the	the	DET
fbem-1908	85	25	respondents	respondent	NOUN
fbem-1908	85	26	held	hold	VERB
fbem-1908	85	27	funds	fund	NOUN
fbem-1908	85	28	and	and	CCONJ
fbem-1908	85	29	wealth	wealth	NOUN
fbem-1908	85	30	management	management	NOUN
fbem-1908	85	31	products	product	NOUN
fbem-1908	85	32	.	.	PUNCT
fbem-1908	86	1	to	to	PART
fbem-1908	86	2	sum	sum	VERB
fbem-1908	86	3	up	up	ADP
fbem-1908	86	4	,	,	PUNCT
fbem-1908	86	5	residents	resident	NOUN
fbem-1908	86	6	have	have	VERB
fbem-1908	86	7	a	a	DET
fbem-1908	86	8	certain	certain	ADJ
fbem-1908	86	9	understanding	understanding	NOUN
fbem-1908	86	10	of	of	ADP
fbem-1908	86	11	the	the	DET
fbem-1908	86	12	risk	risk	NOUN
fbem-1908	86	13	degree	degree	NOUN
fbem-1908	86	14	of	of	ADP
fbem-1908	86	15	financial	financial	ADJ
fbem-1908	86	16	knowledge	knowledge	NOUN
fbem-1908	86	17	,	,	PUNCT
fbem-1908	86	18	but	but	CCONJ
fbem-1908	86	19	the	the	DET
fbem-1908	86	20	basic	basic	ADJ
fbem-1908	86	21	calculation	calculation	NOUN
fbem-1908	86	22	problem	problem	NOUN
fbem-1908	86	23	of	of	ADP
fbem-1908	86	24	financial	financial	ADJ
fbem-1908	86	25	knowledge	knowledge	NOUN
fbem-1908	86	26	still	still	ADV
fbem-1908	86	27	needs	need	VERB
fbem-1908	86	28	to	to	PART
fbem-1908	86	29	be	be	AUX
fbem-1908	86	30	improved	improve	VERB
fbem-1908	86	31	.	.	PUNCT
fbem-1908	87	1	and	and	CCONJ
fbem-1908	87	2	there	there	PRON
fbem-1908	87	3	are	be	VERB
fbem-1908	87	4	still	still	ADV
fbem-1908	87	5	many	many	ADJ
fbem-1908	87	6	shortcomings	shortcoming	NOUN
fbem-1908	87	7	in	in	ADP
fbem-1908	87	8	financial	financial	ADJ
fbem-1908	87	9	attitude	attitude	NOUN
fbem-1908	87	10	and	and	CCONJ
fbem-1908	87	11	financial	financial	ADJ
fbem-1908	87	12	skills	skill	NOUN
fbem-1908	87	13	,	,	PUNCT
fbem-1908	87	14	and	and	CCONJ
fbem-1908	87	15	there	there	PRON
fbem-1908	87	16	is	be	VERB
fbem-1908	87	17	still	still	ADV
fbem-1908	87	18	great	great	ADJ
fbem-1908	87	19	room	room	NOUN
fbem-1908	87	20	for	for	ADP
fbem-1908	87	21	improvement	improvement	NOUN
fbem-1908	87	22	.	.	PUNCT
fbem-1908	88	1	58	58	NUM
fbem-1908	88	2	table	table	NOUN
fbem-1908	88	3	1	1	NUM
fbem-1908	88	4	.	.	PUNCT
fbem-1908	88	5	financial	financial	ADJ
fbem-1908	88	6	literacy	literacy	NOUN
fbem-1908	88	7	factor	factor	NOUN
fbem-1908	88	8	extraction	extraction	NOUN
fbem-1908	88	9	process	process	NOUN
fbem-1908	88	10	order	order	NOUN
fbem-1908	88	11	number	number	NOUN
fbem-1908	88	12	variable	variable	ADJ
fbem-1908	88	13	correct	correct	ADJ
fbem-1908	88	14	/	/	SYM
fbem-1908	88	15	compliant	compliant	ADJ
fbem-1908	88	16	/	/	PUNCT
fbem-1908	88	17	have	have	AUX
fbem-1908	88	18	/	/	SYM
fbem-1908	88	19	good	good	ADJ
fbem-1908	88	20	/	/	SYM
fbem-1908	88	21	highrisk	highrisk	NOUN
fbem-1908	88	22	(	(	PUNCT
fbem-1908	88	23	%	%	INTJ
fbem-1908	88	24	)	)	PUNCT
fbem-1908	88	25	error	error	NOUN
fbem-1908	88	26	/	/	SYM
fbem-1908	88	27	nonconforming	nonconforming	NOUN
fbem-1908	88	28	/	/	SYM
fbem-1908	88	29	no	no	NOUN
fbem-1908	88	30	/	/	PUNCT
fbem-1908	88	31	poor	poor	ADJ
fbem-1908	88	32	/	/	SYM
fbem-1908	88	33	medium	medium	ADJ
fbem-1908	88	34	risk	risk	NOUN
fbem-1908	88	35	(	(	PUNCT
fbem-1908	88	36	%	%	INTJ
fbem-1908	88	37	)	)	PUNCT
fbem-1908	88	38	not	not	PART
fbem-1908	88	39	aware	aware	ADJ
fbem-1908	88	40	/	/	SYM
fbem-1908	88	41	not	not	PART
fbem-1908	88	42	calculated	calculate	VERB
fbem-1908	88	43	/	/	SYM
fbem-1908	88	44	other	other	ADJ
fbem-1908	88	45	/	/	SYM
fbem-1908	88	46	low	low	ADJ
fbem-1908	88	47	risk	risk	NOUN
fbem-1908	88	48	(	(	PUNCT
fbem-1908	88	49	%	%	INTJ
fbem-1908	88	50	)	)	PUNCT
fbem-1908	88	51	factor	factor	NOUN
fbem-1908	88	52	extraction	extraction	NOUN
fbem-1908	88	53	process	process	NOUN
fbem-1908	88	54	1	1	NUM
fbem-1908	88	55	interest	interest	NOUN
fbem-1908	88	56	rate	rate	NOUN
fbem-1908	88	57	problem	problem	NOUN
fbem-1908	88	58	calculation	calculation	NOUN
fbem-1908	88	59	28.5	28.5	NUM
fbem-1908	88	60	22.7	22.7	NUM
fbem-1908	88	61	48.8	48.8	NUM
fbem-1908	88	62	financial	financial	ADJ
fbem-1908	88	63	knowledge	knowledge	NOUN
fbem-1908	88	64	factor	factor	NOUN
fbem-1908	88	65	2	2	NUM
fbem-1908	88	66	inflation	inflation	NOUN
fbem-1908	88	67	interpretation	interpretation	NOUN
fbem-1908	88	68	16.1	16.1	NUM
fbem-1908	88	69	37.3	37.3	NUM
fbem-1908	88	70	46.6	46.6	NUM
fbem-1908	88	71	3	3	NUM
fbem-1908	88	72	investment	investment	NOUN
fbem-1908	88	73	risk	risk	NOUN
fbem-1908	88	74	selection	selection	NOUN
fbem-1908	88	75	49.8	49.8	NUM
fbem-1908	88	76	4.6	4.6	NUM
fbem-1908	88	77	45.6	45.6	NUM
fbem-1908	88	78	4	4	NUM
fbem-1908	88	79	focus	focus	NOUN
fbem-1908	88	80	on	on	ADP
fbem-1908	88	81	financial	financial	ADJ
fbem-1908	88	82	information	information	NOUN
fbem-1908	88	83	10.3	10.3	NUM
fbem-1908	88	84	47.5	47.5	NUM
fbem-1908	88	85	42.2	42.2	NUM
fbem-1908	88	86	financial	financial	ADJ
fbem-1908	88	87	attitude	attitude	NOUN
fbem-1908	88	88	factor	factor	NOUN
fbem-1908	88	89	5	5	NUM
fbem-1908	88	90	investment	investment	NOUN
fbem-1908	88	91	project	project	NOUN
fbem-1908	88	92	selection	selection	NOUN
fbem-1908	88	93	9.6	9.6	NUM
fbem-1908	88	94	34.6	34.6	NUM
fbem-1908	88	95	55.8	55.8	NUM
fbem-1908	88	96	6	6	NUM
fbem-1908	88	97	degree	degree	NOUN
fbem-1908	88	98	of	of	ADP
fbem-1908	88	99	risk	risk	NOUN
fbem-1908	88	100	appetite	appetite	NOUN
fbem-1908	88	101	21.7	21.7	NUM
fbem-1908	88	102	68.0	68.0	NUM
fbem-1908	88	103	10.3	10.3	NUM
fbem-1908	88	104	7	7	NUM
fbem-1908	88	105	stock	stock	NOUN
fbem-1908	88	106	holdings	holding	NOUN
fbem-1908	88	107	10.3	10.3	NUM
fbem-1908	88	108	67.1	67.1	NUM
fbem-1908	88	109	22.6	22.6	NUM
fbem-1908	88	110	financial	financial	ADJ
fbem-1908	88	111	skills	skill	NOUN
fbem-1908	88	112	factor	factor	NOUN
fbem-1908	88	113	8	8	NUM
fbem-1908	88	114	fund	fund	NOUN
fbem-1908	88	115	holding	hold	VERB
fbem-1908	88	116	3.6	3.6	NUM
fbem-1908	88	117	70.6	70.6	NUM
fbem-1908	88	118	25.8	25.8	NUM
fbem-1908	88	119	9	9	NUM
fbem-1908	88	120	financial	financial	ADJ
fbem-1908	88	121	products	product	NOUN
fbem-1908	88	122	hold	hold	VERB
fbem-1908	88	123	4.7	4.7	NUM
fbem-1908	88	124	94.7	94.7	NUM
fbem-1908	88	125	0.6	0.6	NUM
fbem-1908	88	126	using	use	VERB
fbem-1908	88	127	lusardi	lusardi	NOUN
fbem-1908	88	128	,	,	PUNCT
fbem-1908	88	129	rooij	rooij	NOUN
fbem-1908	88	130	,	,	PUNCT
fbem-1908	88	131	yin	yin	PROPN
fbem-1908	88	132	zhichao	zhichao	PROPN
fbem-1908	88	133	and	and	CCONJ
fbem-1908	88	134	other	other	ADJ
fbem-1908	88	135	methods	method	NOUN
fbem-1908	88	136	to	to	PART
fbem-1908	88	137	construct	construct	VERB
fbem-1908	88	138	narrow	narrow	ADJ
fbem-1908	88	139	financial	financial	ADJ
fbem-1908	88	140	knowledge	knowledge	NOUN
fbem-1908	88	141	indicators[26][27]and	indicators[26][27]and	PROPN
fbem-1908	88	142	yu	yu	PROPN
fbem-1908	88	143	wenjian	wenjian	PROPN
fbem-1908	88	144	,	,	PUNCT
fbem-1908	88	145	meng	meng	PROPN
fbem-1908	88	146	hongwei	hongwei	PROPN
fbem-1908	88	147	and	and	CCONJ
fbem-1908	88	148	the	the	DET
fbem-1908	88	149	people	people	NOUN
fbem-1908	88	150	's	's	PART
fbem-1908	88	151	bank	bank	PROPN
fbem-1908	88	152	of	of	ADP
fbem-1908	88	153	china	china	PROPN
fbem-1908	88	154	to	to	PART
fbem-1908	88	155	build	build	VERB
fbem-1908	88	156	the	the	DET
fbem-1908	88	157	consumer	consumer	NOUN
fbem-1908	88	158	financial	financial	ADJ
fbem-1908	88	159	literacy	literacy	NOUN
fbem-1908	88	160	index	index	NOUN
fbem-1908	88	161	method[28	method[28	PROPN
fbem-1908	88	162	]	]	PUNCT
fbem-1908	88	163	,	,	PUNCT
fbem-1908	88	164	this	this	DET
fbem-1908	88	165	paper	paper	NOUN
fbem-1908	88	166	uses	use	VERB
fbem-1908	88	167	the	the	DET
fbem-1908	88	168	principal	principal	ADJ
fbem-1908	88	169	component	component	NOUN
fbem-1908	88	170	analysis	analysis	NOUN
fbem-1908	88	171	method	method	NOUN
fbem-1908	88	172	from	from	ADP
fbem-1908	88	173	the	the	DET
fbem-1908	88	174	factor	factor	NOUN
fbem-1908	88	175	analysis	analysis	NOUN
fbem-1908	88	176	method	method	NOUN
fbem-1908	88	177	when	when	SCONJ
fbem-1908	88	178	extracting	extract	VERB
fbem-1908	88	179	three	three	NUM
fbem-1908	88	180	factors	factor	NOUN
fbem-1908	88	181	:	:	PUNCT
fbem-1908	88	182	financial	financial	ADJ
fbem-1908	88	183	knowledge	knowledge	NOUN
fbem-1908	88	184	factor	factor	NOUN
fbem-1908	88	185	,	,	PUNCT
fbem-1908	88	186	financial	financial	ADJ
fbem-1908	88	187	attitude	attitude	NOUN
fbem-1908	88	188	factor	factor	NOUN
fbem-1908	88	189	and	and	CCONJ
fbem-1908	88	190	financial	financial	ADJ
fbem-1908	88	191	skill	skill	NOUN
fbem-1908	88	192	factor	factor	NOUN
fbem-1908	88	193	.	.	PUNCT
fbem-1908	89	1	secondly	secondly	ADV
fbem-1908	89	2	,	,	PUNCT
fbem-1908	89	3	after	after	ADP
fbem-1908	89	4	the	the	DET
fbem-1908	89	5	factor	factor	NOUN
fbem-1908	89	6	principal	principal	NOUN
fbem-1908	89	7	component	component	NOUN
fbem-1908	89	8	analysis	analysis	NOUN
fbem-1908	89	9	,	,	PUNCT
fbem-1908	89	10	the	the	DET
fbem-1908	89	11	factor	factor	NOUN
fbem-1908	89	12	is	be	AUX
fbem-1908	89	13	rotated	rotate	VERB
fbem-1908	89	14	,	,	PUNCT
fbem-1908	89	15	and	and	CCONJ
fbem-1908	89	16	the	the	DET
fbem-1908	89	17	variance	variance	NOUN
fbem-1908	89	18	contribution	contribution	NOUN
fbem-1908	89	19	rate	rate	NOUN
fbem-1908	89	20	after	after	SCONJ
fbem-1908	89	21	the	the	DET
fbem-1908	89	22	rotation	rotation	NOUN
fbem-1908	89	23	will	will	AUX
fbem-1908	89	24	be	be	AUX
fbem-1908	89	25	taken	take	VERB
fbem-1908	89	26	as	as	ADP
fbem-1908	89	27	the	the	DET
fbem-1908	89	28	weight	weight	NOUN
fbem-1908	89	29	of	of	ADP
fbem-1908	89	30	the	the	DET
fbem-1908	89	31	three	three	NUM
fbem-1908	89	32	factors	factor	NOUN
fbem-1908	89	33	to	to	PART
fbem-1908	89	34	construct	construct	VERB
fbem-1908	89	35	the	the	DET
fbem-1908	89	36	financial	financial	ADJ
fbem-1908	89	37	literacy	literacy	NOUN
fbem-1908	89	38	indicators	indicator	NOUN
fbem-1908	89	39	.	.	PUNCT
fbem-1908	90	1	to	to	PART
fbem-1908	90	2	avoid	avoid	VERB
fbem-1908	90	3	the	the	DET
fbem-1908	90	4	influence	influence	NOUN
fbem-1908	90	5	of	of	ADP
fbem-1908	90	6	multicollinearity	multicollinearity	NOUN
fbem-1908	90	7	on	on	ADP
fbem-1908	90	8	the	the	DET
fbem-1908	90	9	measurement	measurement	NOUN
fbem-1908	90	10	analysis	analysis	NOUN
fbem-1908	90	11	,	,	PUNCT
fbem-1908	90	12	the	the	DET
fbem-1908	90	13	comprehensive	comprehensive	ADJ
fbem-1908	90	14	financial	financial	ADJ
fbem-1908	90	15	literacy	literacy	NOUN
fbem-1908	90	16	index	index	NOUN
fbem-1908	90	17	is	be	AUX
fbem-1908	90	18	also	also	ADV
fbem-1908	90	19	constructed	construct	VERB
fbem-1908	90	20	.	.	PUNCT
fbem-1908	91	1	the	the	DET
fbem-1908	91	2	kmo	kmo	PROPN
fbem-1908	91	3	value	value	NOUN
fbem-1908	91	4	in	in	ADP
fbem-1908	91	5	table	table	NOUN
fbem-1908	91	6	2	2	NUM
fbem-1908	91	7	is	be	AUX
fbem-1908	91	8	0.755	0.755	NUM
fbem-1908	91	9	,	,	PUNCT
fbem-1908	91	10	greater	great	ADJ
fbem-1908	91	11	than	than	ADP
fbem-1908	91	12	0.7	0.7	NUM
fbem-1908	91	13	,	,	PUNCT
fbem-1908	91	14	indicating	indicate	VERB
fbem-1908	91	15	that	that	SCONJ
fbem-1908	91	16	the	the	DET
fbem-1908	91	17	data	data	NOUN
fbem-1908	91	18	is	be	AUX
fbem-1908	91	19	suitable	suitable	ADJ
fbem-1908	91	20	for	for	ADP
fbem-1908	91	21	factor	factor	NOUN
fbem-1908	91	22	analysis	analysis	NOUN
fbem-1908	91	23	.	.	PUNCT
fbem-1908	92	1	the	the	DET
fbem-1908	92	2	rotation	rotation	NOUN
fbem-1908	92	3	results	result	NOUN
fbem-1908	92	4	of	of	ADP
fbem-1908	92	5	the	the	DET
fbem-1908	92	6	three	three	NUM
fbem-1908	92	7	factors	factor	NOUN
fbem-1908	92	8	by	by	ADP
fbem-1908	92	9	the	the	DET
fbem-1908	92	10	variance	variance	NOUN
fbem-1908	92	11	maximal	maximal	ADJ
fbem-1908	92	12	method	method	NOUN
fbem-1908	92	13	are	be	AUX
fbem-1908	92	14	shown	show	VERB
fbem-1908	92	15	in	in	ADP
fbem-1908	92	16	table	table	NOUN
fbem-1908	92	17	3	3	NUM
fbem-1908	92	18	.	.	PUNCT
fbem-1908	92	19	from	from	ADP
fbem-1908	92	20	table	table	NOUN
fbem-1908	92	21	3	3	NUM
fbem-1908	92	22	,	,	PUNCT
fbem-1908	92	23	the	the	DET
fbem-1908	92	24	characteristic	characteristic	ADJ
fbem-1908	92	25	values	value	NOUN
fbem-1908	92	26	of	of	ADP
fbem-1908	92	27	the	the	DET
fbem-1908	92	28	financial	financial	ADJ
fbem-1908	92	29	knowledge	knowledge	NOUN
fbem-1908	92	30	factor	factor	NOUN
fbem-1908	92	31	,	,	PUNCT
fbem-1908	92	32	financial	financial	ADJ
fbem-1908	92	33	attitude	attitude	NOUN
fbem-1908	92	34	factor	factor	NOUN
fbem-1908	92	35	and	and	CCONJ
fbem-1908	92	36	financial	financial	ADJ
fbem-1908	92	37	skills	skill	NOUN
fbem-1908	92	38	factor	factor	NOUN
fbem-1908	92	39	before	before	SCONJ
fbem-1908	92	40	the	the	DET
fbem-1908	92	41	factor	factor	NOUN
fbem-1908	92	42	rotation	rotation	NOUN
fbem-1908	92	43	are	be	AUX
fbem-1908	92	44	all	all	ADV
fbem-1908	92	45	greater	great	ADJ
fbem-1908	92	46	than	than	ADP
fbem-1908	92	47	1	1	NUM
fbem-1908	92	48	,	,	PUNCT
fbem-1908	92	49	indicating	indicate	VERB
fbem-1908	92	50	that	that	SCONJ
fbem-1908	92	51	the	the	DET
fbem-1908	92	52	three	three	NUM
fbem-1908	92	53	factors	factor	NOUN
fbem-1908	92	54	are	be	AUX
fbem-1908	92	55	suitable	suitable	ADJ
fbem-1908	92	56	for	for	ADP
fbem-1908	92	57	the	the	DET
fbem-1908	92	58	factor	factor	NOUN
fbem-1908	92	59	analysis	analysis	NOUN
fbem-1908	92	60	.	.	PUNCT
fbem-1908	93	1	table	table	NOUN
fbem-1908	93	2	2	2	NUM
fbem-1908	93	3	.	.	X
fbem-1908	93	4	kmo	kmo	PROPN
fbem-1908	93	5	and	and	CCONJ
fbem-1908	93	6	bartlett	bartlett	PROPN
fbem-1908	93	7	tests	test	VERB
fbem-1908	93	8	number	number	NOUN
fbem-1908	93	9	of	of	ADP
fbem-1908	93	10	kmo	kmo	PROPN
fbem-1908	93	11	sampling	sample	VERB
fbem-1908	93	12	0.755	0.755	NUM
fbem-1908	93	13	bartlett	bartlett	PROPN
fbem-1908	93	14	sphicity	sphicity	PROPN
fbem-1908	93	15	test	test	PROPN
fbem-1908	93	16	approximate	approximate	PROPN
fbem-1908	93	17	chi	chi	PROPN
fbem-1908	93	18	square	square	PROPN
fbem-1908	93	19	51243.301	51243.301	NUM
fbem-1908	93	20	free	free	ADJ
fbem-1908	93	21	degree	degree	NOUN
fbem-1908	93	22	36	36	NUM
fbem-1908	93	23	conspicuousness	conspicuousness	ADJ
fbem-1908	93	24	0.000	0.000	NUM
fbem-1908	93	25	table	table	NOUN
fbem-1908	93	26	3	3	NUM
fbem-1908	93	27	.	.	PUNCT
fbem-1908	93	28	results	result	NOUN
fbem-1908	93	29	of	of	ADP
fbem-1908	93	30	analysis	analysis	NOUN
fbem-1908	93	31	and	and	CCONJ
fbem-1908	93	32	analysis	analysis	NOUN
fbem-1908	93	33	after	after	ADP
fbem-1908	93	34	factor	factor	NOUN
fbem-1908	93	35	rotation	rotation	NOUN
fbem-1908	93	36	variable	variable	ADJ
fbem-1908	93	37	results	result	NOUN
fbem-1908	93	38	of	of	ADP
fbem-1908	93	39	the	the	DET
fbem-1908	93	40	analysis	analysis	NOUN
fbem-1908	93	41	before	before	ADP
fbem-1908	93	42	the	the	DET
fbem-1908	93	43	factor	factor	NOUN
fbem-1908	93	44	rotation	rotation	NOUN
fbem-1908	93	45	results	result	NOUN
fbem-1908	93	46	of	of	ADP
fbem-1908	93	47	the	the	DET
fbem-1908	93	48	analysis	analysis	NOUN
fbem-1908	93	49	after	after	SCONJ
fbem-1908	93	50	the	the	DET
fbem-1908	93	51	factor	factor	NOUN
fbem-1908	93	52	rotation	rotation	NOUN
fbem-1908	93	53	eigenvalue	eigenvalue	PROPN
fbem-1908	93	54	explain	explain	VERB
fbem-1908	93	55	the	the	DET
fbem-1908	93	56	ratio	ratio	NOUN
fbem-1908	93	57	accumulated	accumulate	VERB
fbem-1908	93	58	variance	variance	NOUN
fbem-1908	93	59	contribution	contribution	NOUN
fbem-1908	93	60	rate	rate	NOUN
fbem-1908	93	61	eigenvalue	eigenvalue	PROPN
fbem-1908	93	62	explain	explain	VERB
fbem-1908	93	63	the	the	DET
fbem-1908	93	64	ratio	ratio	NOUN
fbem-1908	93	65	accumulated	accumulate	VERB
fbem-1908	93	66	variance	variance	NOUN
fbem-1908	93	67	contribution	contribution	NOUN
fbem-1908	93	68	rate	rate	NOUN
fbem-1908	93	69	financial	financial	ADJ
fbem-1908	93	70	knowledge	knowledge	NOUN
fbem-1908	93	71	factor	factor	NOUN
fbem-1908	93	72	2.498	2.498	NUM
fbem-1908	93	73	0.524	0.524	NUM
fbem-1908	93	74	0.524	0.524	NUM
fbem-1908	93	75	1.983	1.983	NUM
fbem-1908	93	76	0.416	0.416	NUM
fbem-1908	93	77	0.416	0.416	NUM
fbem-1908	93	78	financial	financial	ADJ
fbem-1908	93	79	attitude	attitude	NOUN
fbem-1908	93	80	factor	factor	NOUN
fbem-1908	93	81	1.234	1.234	NUM
fbem-1908	93	82	0.259	0.259	NUM
fbem-1908	93	83	0.783	0.783	NUM
fbem-1908	93	84	1.568	1.568	NUM
fbem-1908	93	85	0.329	0.329	NUM
fbem-1908	93	86	0.745	0.745	NUM
fbem-1908	93	87	financial	financial	ADJ
fbem-1908	93	88	skills	skill	NOUN
fbem-1908	93	89	factor	factor	NOUN
fbem-1908	93	90	1.039	1.039	NUM
fbem-1908	93	91	0.217	0.217	NUM
fbem-1908	93	92	1.000	1.000	NUM
fbem-1908	93	93	1.220	1.220	NUM
fbem-1908	93	94	0.255	0.255	NUM
fbem-1908	93	95	1.000	1.000	NUM
fbem-1908	93	96	table	table	NOUN
fbem-1908	93	97	4	4	NUM
fbem-1908	93	98	is	be	AUX
fbem-1908	93	99	the	the	DET
fbem-1908	93	100	descriptive	descriptive	ADJ
fbem-1908	93	101	statistics	statistic	NOUN
fbem-1908	93	102	of	of	ADP
fbem-1908	93	103	the	the	DET
fbem-1908	93	104	financial	financial	ADJ
fbem-1908	93	105	literacy	literacy	NOUN
fbem-1908	93	106	index	index	NOUN
fbem-1908	93	107	.	.	PUNCT
fbem-1908	94	1	as	as	SCONJ
fbem-1908	94	2	can	can	AUX
fbem-1908	94	3	be	be	AUX
fbem-1908	94	4	seen	see	VERB
fbem-1908	94	5	from	from	ADP
fbem-1908	94	6	table	table	NOUN
fbem-1908	94	7	4	4	NUM
fbem-1908	94	8	,	,	PUNCT
fbem-1908	94	9	the	the	DET
fbem-1908	94	10	average	average	ADJ
fbem-1908	94	11	value	value	NOUN
fbem-1908	94	12	of	of	ADP
fbem-1908	94	13	the	the	DET
fbem-1908	94	14	family	family	NOUN
fbem-1908	94	15	financial	financial	ADJ
fbem-1908	94	16	literacy	literacy	NOUN
fbem-1908	94	17	index	index	NOUN
fbem-1908	94	18	of	of	ADP
fbem-1908	94	19	chinese	chinese	ADJ
fbem-1908	94	20	residents	resident	NOUN
fbem-1908	94	21	is	be	AUX
fbem-1908	94	22	1.6855	1.6855	NUM
fbem-1908	94	23	,	,	PUNCT
fbem-1908	94	24	the	the	DET
fbem-1908	94	25	skewness	skewness	NOUN
fbem-1908	94	26	is-0.213	is-0.213	PROPN
fbem-1908	94	27	,	,	PUNCT
fbem-1908	94	28	less	less	ADJ
fbem-1908	94	29	than	than	ADP
fbem-1908	94	30	0	0	NUM
fbem-1908	94	31	,	,	PUNCT
fbem-1908	94	32	and	and	CCONJ
fbem-1908	94	33	the	the	DET
fbem-1908	94	34	overall	overall	ADJ
fbem-1908	94	35	left	left	ADJ
fbem-1908	94	36	-	-	PUNCT
fbem-1908	94	37	biased	bias	VERB
fbem-1908	94	38	distribution	distribution	NOUN
fbem-1908	94	39	appears	appear	VERB
fbem-1908	94	40	.	.	PUNCT
fbem-1908	95	1	59	59	NUM
fbem-1908	95	2	table	table	NOUN
fbem-1908	95	3	4	4	NUM
fbem-1908	95	4	.	.	PUNCT
fbem-1908	95	5	descriptive	descriptive	ADJ
fbem-1908	95	6	statistics	statistic	NOUN
fbem-1908	95	7	of	of	ADP
fbem-1908	95	8	the	the	DET
fbem-1908	95	9	financial	financial	ADJ
fbem-1908	95	10	literacy	literacy	NOUN
fbem-1908	95	11	index	index	NOUN
fbem-1908	95	12	count	count	VERB
fbem-1908	95	13	financial	financial	ADJ
fbem-1908	95	14	literacy	literacy	NOUN
fbem-1908	95	15	index	index	NOUN
fbem-1908	95	16	n	n	PROPN
fbem-1908	95	17	50373	50373	NUM
fbem-1908	95	18	range	range	VERB
fbem-1908	95	19	1.80	1.80	NUM
fbem-1908	95	20	min	min	NOUN
fbem-1908	95	21	0.58	0.58	NUM
fbem-1908	95	22	max	max	PROPN
fbem-1908	95	23	2.38	2.38	NUM
fbem-1908	95	24	sum	sum	NOUN
fbem-1908	95	25	84904.09	84904.09	NUM
fbem-1908	95	26	mean	mean	VERB
fbem-1908	96	1	1.6855	1.6855	NUM
fbem-1908	96	2	std	std	NOUN
fbem-1908	96	3	0.37159	0.37159	NUM
fbem-1908	96	4	var	var	NOUN
fbem-1908	96	5	0.138	0.138	NUM
fbem-1908	96	6	skewness	skewness	NOUN
fbem-1908	96	7	-0.213	-0.213	PUNCT
fbem-1908	96	8	kurtosis	kurtosis	NOUN
fbem-1908	96	9	-0.898	-0.898	PUNCT
fbem-1908	96	10	effective	effective	ADJ
fbem-1908	96	11	cases	case	NOUN
fbem-1908	96	12	(	(	PUNCT
fbem-1908	96	13	in	in	ADP
fbem-1908	96	14	columns	column	NOUN
fbem-1908	96	15	)	)	PUNCT
fbem-1908	96	16	n	n	CCONJ
fbem-1908	96	17	50373	50373	NUM
fbem-1908	96	18	(	(	PUNCT
fbem-1908	96	19	2	2	X
fbem-1908	96	20	)	)	PUNCT
fbem-1908	96	21	the	the	DET
fbem-1908	96	22	measure	measure	NOUN
fbem-1908	96	23	of	of	ADP
fbem-1908	96	24	household	household	NOUN
fbem-1908	96	25	consumption	consumption	NOUN
fbem-1908	96	26	expenditure	expenditure	NOUN
fbem-1908	96	27	for	for	ADP
fbem-1908	96	28	the	the	DET
fbem-1908	96	29	measure	measure	NOUN
fbem-1908	96	30	of	of	ADP
fbem-1908	96	31	household	household	NOUN
fbem-1908	96	32	consumption	consumption	NOUN
fbem-1908	96	33	expenditure	expenditure	NOUN
fbem-1908	96	34	,	,	PUNCT
fbem-1908	96	35	referring	refer	VERB
fbem-1908	96	36	to	to	ADP
fbem-1908	96	37	previous	previous	ADJ
fbem-1908	96	38	literature	literature	NOUN
fbem-1908	96	39	,	,	PUNCT
fbem-1908	96	40	this	this	DET
fbem-1908	96	41	paper	paper	NOUN
fbem-1908	96	42	divides	divide	VERB
fbem-1908	96	43	household	household	NOUN
fbem-1908	96	44	consumption	consumption	NOUN
fbem-1908	96	45	expenditure	expenditure	NOUN
fbem-1908	96	46	(	(	PUNCT
fbem-1908	96	47	total_con	total_con	NOUN
fbem-1908	96	48	)	)	PUNCT
fbem-1908	96	49	into	into	ADP
fbem-1908	96	50	household	household	NOUN
fbem-1908	96	51	survival	survival	NOUN
fbem-1908	96	52	consumption	consumption	NOUN
fbem-1908	96	53	expenditure	expenditure	NOUN
fbem-1908	96	54	(	(	PUNCT
fbem-1908	96	55	subsistence_con	subsistence_con	NOUN
fbem-1908	96	56	)	)	PUNCT
fbem-1908	96	57	,	,	PUNCT
fbem-1908	96	58	developmental	developmental	ADJ
fbem-1908	96	59	consumption	consumption	NOUN
fbem-1908	96	60	expenditure	expenditure	NOUN
fbem-1908	96	61	(	(	PUNCT
fbem-1908	96	62	development_con	development_con	NOUN
fbem-1908	96	63	)	)	PUNCT
fbem-1908	96	64	and	and	CCONJ
fbem-1908	96	65	enjoyment	enjoyment	NOUN
fbem-1908	96	66	consumption	consumption	NOUN
fbem-1908	96	67	expenditure	expenditure	NOUN
fbem-1908	96	68	(	(	PUNCT
fbem-1908	96	69	enjoyment_con	enjoyment_con	X
fbem-1908	96	70	)	)	PUNCT
fbem-1908	96	71	,	,	PUNCT
fbem-1908	96	72	and	and	CCONJ
fbem-1908	96	73	select	select	VERB
fbem-1908	96	74	the	the	DET
fbem-1908	96	75	average	average	ADJ
fbem-1908	96	76	monthly	monthly	ADJ
fbem-1908	96	77	family	family	NOUN
fbem-1908	96	78	survival	survival	NOUN
fbem-1908	96	79	consumption	consumption	NOUN
fbem-1908	96	80	expenditure	expenditure	NOUN
fbem-1908	96	81	,	,	PUNCT
fbem-1908	96	82	family	family	NOUN
fbem-1908	96	83	development	development	NOUN
fbem-1908	96	84	consumption	consumption	NOUN
fbem-1908	96	85	expenditure	expenditure	NOUN
fbem-1908	96	86	and	and	CCONJ
fbem-1908	96	87	family	family	NOUN
fbem-1908	96	88	enjoyment	enjoyment	NOUN
fbem-1908	96	89	consumption	consumption	NOUN
fbem-1908	96	90	expenditure	expenditure	NOUN
fbem-1908	96	91	to	to	PART
fbem-1908	96	92	measure	measure	VERB
fbem-1908	96	93	household	household	NOUN
fbem-1908	96	94	consumption	consumption	NOUN
fbem-1908	96	95	expenditure	expenditure	NOUN
fbem-1908	96	96	and	and	CCONJ
fbem-1908	96	97	consumption	consumption	NOUN
fbem-1908	96	98	structure	structure	NOUN
fbem-1908	96	99	.	.	PUNCT
fbem-1908	97	1	household	household	NOUN
fbem-1908	97	2	survival	survival	NOUN
fbem-1908	97	3	consumption	consumption	NOUN
fbem-1908	97	4	includes	include	VERB
fbem-1908	97	5	food	food	NOUN
fbem-1908	97	6	,	,	PUNCT
fbem-1908	97	7	water	water	NOUN
fbem-1908	97	8	,	,	PUNCT
fbem-1908	97	9	electricity	electricity	NOUN
fbem-1908	97	10	and	and	CCONJ
fbem-1908	97	11	fuel	fuel	NOUN
fbem-1908	97	12	;	;	PUNCT
fbem-1908	97	13	household	household	NOUN
fbem-1908	97	14	development	development	NOUN
fbem-1908	97	15	consumption	consumption	NOUN
fbem-1908	97	16	includes	include	VERB
fbem-1908	97	17	daily	daily	ADJ
fbem-1908	97	18	necessities	necessity	NOUN
fbem-1908	97	19	and	and	CCONJ
fbem-1908	97	20	education	education	NOUN
fbem-1908	97	21	;	;	PUNCT
fbem-1908	98	1	household	household	NOUN
fbem-1908	98	2	nanny	nanny	NOUN
fbem-1908	98	3	,	,	PUNCT
fbem-1908	98	4	domestic	domestic	ADJ
fbem-1908	98	5	service	service	NOUN
fbem-1908	98	6	,	,	PUNCT
fbem-1908	98	7	culture	culture	NOUN
fbem-1908	98	8	and	and	CCONJ
fbem-1908	98	9	entertainment	entertainment	NOUN
fbem-1908	98	10	.	.	PUNCT
fbem-1908	99	1	this	this	DET
fbem-1908	99	2	paper	paper	NOUN
fbem-1908	99	3	takes	take	VERB
fbem-1908	99	4	logarithmically	logarithmically	ADV
fbem-1908	99	5	for	for	ADP
fbem-1908	99	6	these	these	DET
fbem-1908	99	7	three	three	NUM
fbem-1908	99	8	types	type	NOUN
fbem-1908	99	9	of	of	ADP
fbem-1908	99	10	household	household	NOUN
fbem-1908	99	11	consumption	consumption	NOUN
fbem-1908	99	12	expenditure	expenditure	NOUN
fbem-1908	99	13	to	to	PART
fbem-1908	99	14	mitigate	mitigate	VERB
fbem-1908	99	15	the	the	DET
fbem-1908	99	16	effect	effect	NOUN
fbem-1908	99	17	of	of	ADP
fbem-1908	99	18	heteroscedasticity	heteroscedasticity	NOUN
fbem-1908	99	19	.	.	PUNCT
fbem-1908	100	1	(	(	PUNCT
fbem-1908	100	2	3	3	X
fbem-1908	100	3	)	)	PUNCT
fbem-1908	100	4	the	the	DET
fbem-1908	100	5	measure	measure	NOUN
fbem-1908	100	6	of	of	ADP
fbem-1908	100	7	household	household	NOUN
fbem-1908	100	8	credit	credit	NOUN
fbem-1908	100	9	constraints	constraint	NOUN
fbem-1908	100	10	drawing	draw	VERB
fbem-1908	100	11	on	on	ADP
fbem-1908	100	12	the	the	DET
fbem-1908	100	13	measure	measure	NOUN
fbem-1908	100	14	of	of	ADP
fbem-1908	100	15	household	household	NOUN
fbem-1908	100	16	credit	credit	NOUN
fbem-1908	100	17	constraint	constraint	NOUN
fbem-1908	100	18	(	(	PUNCT
fbem-1908	100	19	constraint_crid	constraint_crid	NOUN
fbem-1908	100	20	)	)	PUNCT
fbem-1908	100	21	used	use	VERB
fbem-1908	100	22	by	by	ADP
fbem-1908	100	23	xie	xie	PROPN
fbem-1908	100	24	jiaji	jiaji	PROPN
fbem-1908	100	25	et	et	PROPN
fbem-1908	100	26	al[29	al[29	PROPN
fbem-1908	100	27	]	]	PUNCT
fbem-1908	100	28	.	.	PUNCT
fbem-1908	101	1	use	use	VERB
fbem-1908	101	2	the	the	DET
fbem-1908	101	3	"	"	PUNCT
fbem-1908	101	4	do	do	AUX
fbem-1908	101	5	not	not	PART
fbem-1908	101	6	know	know	VERB
fbem-1908	101	7	how	how	SCONJ
fbem-1908	101	8	to	to	PART
fbem-1908	101	9	apply	apply	VERB
fbem-1908	101	10	,	,	PUNCT
fbem-1908	101	11	or	or	CCONJ
fbem-1908	101	12	apply	apply	VERB
fbem-1908	101	13	rejected	reject	VERB
fbem-1908	101	14	"	"	PUNCT
fbem-1908	101	15	answer	answer	NOUN
fbem-1908	101	16	as	as	ADP
fbem-1908	101	17	a	a	DET
fbem-1908	101	18	direct	direct	ADJ
fbem-1908	101	19	measure	measure	NOUN
fbem-1908	101	20	of	of	ADP
fbem-1908	101	21	home	home	NOUN
fbem-1908	101	22	credit	credit	NOUN
fbem-1908	101	23	constraints	constraint	NOUN
fbem-1908	101	24	.	.	PUNCT
fbem-1908	102	1	according	accord	VERB
fbem-1908	102	2	to	to	ADP
fbem-1908	102	3	the	the	DET
fbem-1908	102	4	design	design	NOUN
fbem-1908	102	5	of	of	ADP
fbem-1908	102	6	the	the	DET
fbem-1908	102	7	2017	2017	NUM
fbem-1908	102	8	chfs	chfs	NOUN
fbem-1908	102	9	questionnaire	questionnaire	NOUN
fbem-1908	102	10	,	,	PUNCT
fbem-1908	102	11	if	if	SCONJ
fbem-1908	102	12	the	the	DET
fbem-1908	102	13	purchase	purchase	NOUN
fbem-1908	102	14	of	of	ADP
fbem-1908	102	15	home	home	NOUN
fbem-1908	102	16	,	,	PUNCT
fbem-1908	102	17	medical	medical	ADJ
fbem-1908	102	18	care	care	NOUN
fbem-1908	102	19	,	,	PUNCT
fbem-1908	102	20	education	education	NOUN
fbem-1908	102	21	,	,	PUNCT
fbem-1908	102	22	financial	financial	ADJ
fbem-1908	102	23	products	product	NOUN
fbem-1908	102	24	,	,	PUNCT
fbem-1908	102	25	cars	car	NOUN
fbem-1908	102	26	,	,	PUNCT
fbem-1908	102	27	weddings	wedding	NOUN
fbem-1908	102	28	,	,	PUNCT
fbem-1908	102	29	and	and	CCONJ
fbem-1908	102	30	funerals	funeral	NOUN
fbem-1908	102	31	is	be	AUX
fbem-1908	102	32	"	"	PUNCT
fbem-1908	102	33	do	do	AUX
fbem-1908	102	34	not	not	PART
fbem-1908	102	35	know	know	VERB
fbem-1908	102	36	how	how	SCONJ
fbem-1908	102	37	to	to	PART
fbem-1908	102	38	apply	apply	VERB
fbem-1908	102	39	,	,	PUNCT
fbem-1908	102	40	or	or	CCONJ
fbem-1908	102	41	the	the	DET
fbem-1908	102	42	application	application	NOUN
fbem-1908	102	43	is	be	AUX
fbem-1908	102	44	rejected	reject	VERB
fbem-1908	102	45	"	"	PUNCT
fbem-1908	102	46	,	,	PUNCT
fbem-1908	102	47	the	the	DET
fbem-1908	102	48	household	household	NOUN
fbem-1908	102	49	credit	credit	NOUN
fbem-1908	102	50	constraint	constraint	NOUN
fbem-1908	102	51	is	be	AUX
fbem-1908	102	52	assigned	assign	VERB
fbem-1908	102	53	1	1	NUM
fbem-1908	102	54	,	,	PUNCT
fbem-1908	102	55	otherwise	otherwise	ADV
fbem-1908	102	56	0	0	NUM
fbem-1908	102	57	.	.	PUNCT
fbem-1908	103	1	according	accord	VERB
fbem-1908	103	2	to	to	ADP
fbem-1908	103	3	the	the	DET
fbem-1908	103	4	calculation	calculation	NOUN
fbem-1908	103	5	requirements	requirement	NOUN
fbem-1908	103	6	of	of	ADP
fbem-1908	103	7	the	the	DET
fbem-1908	103	8	scoring	scoring	NOUN
fbem-1908	103	9	method	method	NOUN
fbem-1908	103	10	,	,	PUNCT
fbem-1908	103	11	the	the	DET
fbem-1908	103	12	maximum	maximum	ADJ
fbem-1908	103	13	value	value	NOUN
fbem-1908	103	14	of	of	ADP
fbem-1908	103	15	the	the	DET
fbem-1908	103	16	credit	credit	NOUN
fbem-1908	103	17	degree	degree	NOUN
fbem-1908	103	18	in	in	ADP
fbem-1908	103	19	a	a	DET
fbem-1908	103	20	certain	certain	ADJ
fbem-1908	103	21	item	item	NOUN
fbem-1908	103	22	is	be	AUX
fbem-1908	103	23	1	1	NUM
fbem-1908	103	24	,	,	PUNCT
fbem-1908	103	25	a	a	DET
fbem-1908	103	26	total	total	NOUN
fbem-1908	103	27	of	of	ADP
fbem-1908	103	28	6	6	NUM
fbem-1908	103	29	items	item	NOUN
fbem-1908	103	30	,	,	PUNCT
fbem-1908	103	31	so	so	SCONJ
fbem-1908	103	32	the	the	DET
fbem-1908	103	33	range	range	NOUN
fbem-1908	103	34	of	of	ADP
fbem-1908	103	35	the	the	DET
fbem-1908	103	36	degree	degree	NOUN
fbem-1908	103	37	of	of	ADP
fbem-1908	103	38	household	household	NOUN
fbem-1908	103	39	credit	credit	NOUN
fbem-1908	103	40	constraint	constraint	NOUN
fbem-1908	103	41	in	in	ADP
fbem-1908	103	42	this	this	DET
fbem-1908	103	43	paper	paper	NOUN
fbem-1908	103	44	is	be	AUX
fbem-1908	103	45	[	[	X
fbem-1908	103	46	0,6	0,6	NUM
fbem-1908	103	47	]	]	X
fbem-1908	103	48	,	,	PUNCT
fbem-1908	103	49	the	the	PRON
fbem-1908	103	50	closer	close	ADV
fbem-1908	103	51	the	the	DET
fbem-1908	103	52	number	number	NOUN
fbem-1908	103	53	is	be	AUX
fbem-1908	103	54	to	to	ADP
fbem-1908	103	55	6	6	NUM
fbem-1908	103	56	,	,	PUNCT
fbem-1908	103	57	the	the	PRON
fbem-1908	103	58	higher	high	ADJ
fbem-1908	103	59	the	the	PRON
fbem-1908	103	60	higher	high	ADJ
fbem-1908	103	61	the	the	DET
fbem-1908	103	62	degree	degree	NOUN
fbem-1908	103	63	of	of	ADP
fbem-1908	103	64	credit	credit	NOUN
fbem-1908	103	65	constraint	constraint	NOUN
fbem-1908	103	66	of	of	ADP
fbem-1908	103	67	the	the	DET
fbem-1908	103	68	family	family	NOUN
fbem-1908	103	69	.	.	PUNCT
fbem-1908	104	1	(	(	PUNCT
fbem-1908	104	2	4	4	X
fbem-1908	104	3	)	)	PUNCT
fbem-1908	104	4	the	the	DET
fbem-1908	104	5	measure	measure	NOUN
fbem-1908	104	6	of	of	ADP
fbem-1908	104	7	the	the	DET
fbem-1908	104	8	digital	digital	ADJ
fbem-1908	104	9	financial	financial	ADJ
fbem-1908	104	10	variables	variable	NOUN
fbem-1908	104	11	with	with	ADP
fbem-1908	104	12	the	the	DET
fbem-1908	104	13	rapid	rapid	ADJ
fbem-1908	104	14	development	development	NOUN
fbem-1908	104	15	of	of	ADP
fbem-1908	104	16	information	information	NOUN
fbem-1908	104	17	technology	technology	NOUN
fbem-1908	104	18	and	and	CCONJ
fbem-1908	104	19	the	the	DET
fbem-1908	104	20	internet	internet	NOUN
fbem-1908	104	21	,	,	PUNCT
fbem-1908	104	22	traditional	traditional	ADJ
fbem-1908	104	23	financial	financial	ADJ
fbem-1908	104	24	services	service	NOUN
fbem-1908	104	25	no	no	ADV
fbem-1908	104	26	longer	long	ADV
fbem-1908	104	27	adapt	adapt	VERB
fbem-1908	104	28	to	to	ADP
fbem-1908	104	29	the	the	DET
fbem-1908	104	30	needs	need	NOUN
fbem-1908	104	31	of	of	ADP
fbem-1908	104	32	the	the	DET
fbem-1908	104	33	new	new	ADJ
fbem-1908	104	34	era	era	NOUN
fbem-1908	104	35	,	,	PUNCT
fbem-1908	104	36	so	so	ADV
fbem-1908	104	37	digital	digital	ADJ
fbem-1908	104	38	finance	finance	NOUN
fbem-1908	104	39	emerges	emerge	VERB
fbem-1908	104	40	.	.	PUNCT
fbem-1908	105	1	the	the	DET
fbem-1908	105	2	launch	launch	NOUN
fbem-1908	105	3	of	of	ADP
fbem-1908	105	4	alipay	alipay	PROPN
fbem-1908	105	5	in	in	ADP
fbem-1908	105	6	2004	2004	NUM
fbem-1908	105	7	can	can	AUX
fbem-1908	105	8	be	be	AUX
fbem-1908	105	9	seen	see	VERB
fbem-1908	105	10	as	as	ADP
fbem-1908	105	11	the	the	DET
fbem-1908	105	12	beginning	beginning	NOUN
fbem-1908	105	13	of	of	ADP
fbem-1908	105	14	digital	digital	ADJ
fbem-1908	105	15	financial	financial	ADJ
fbem-1908	105	16	services	service	NOUN
fbem-1908	105	17	in	in	ADP
fbem-1908	105	18	china	china	PROPN
fbem-1908	105	19	.	.	PUNCT
fbem-1908	106	1	china	china	PROPN
fbem-1908	106	2	digital	digital	PROPN
fbem-1908	106	3	inclusive	inclusive	PROPN
fbem-1908	106	4	services	service	NOUN
fbem-1908	106	5	,	,	PUNCT
fbem-1908	106	6	as	as	ADP
fbem-1908	106	7	the	the	DET
fbem-1908	106	8	biggest	big	ADJ
fbem-1908	106	9	advantage	advantage	NOUN
fbem-1908	106	10	of	of	ADP
fbem-1908	106	11	digital	digital	ADJ
fbem-1908	106	12	finance	finance	NOUN
fbem-1908	106	13	,	,	PUNCT
fbem-1908	106	14	mobile	mobile	ADJ
fbem-1908	106	15	payment	payment	NOUN
fbem-1908	106	16	has	have	AUX
fbem-1908	106	17	brought	bring	VERB
fbem-1908	106	18	great	great	ADJ
fbem-1908	106	19	convenience	convenience	NOUN
fbem-1908	106	20	and	and	CCONJ
fbem-1908	106	21	changes	change	NOUN
fbem-1908	106	22	to	to	ADP
fbem-1908	106	23	people	people	NOUN
fbem-1908	106	24	's	's	PART
fbem-1908	106	25	lives	life	NOUN
fbem-1908	106	26	.	.	PUNCT
fbem-1908	107	1	the	the	DET
fbem-1908	107	2	measure	measure	NOUN
fbem-1908	107	3	of	of	ADP
fbem-1908	107	4	digital	digital	ADJ
fbem-1908	107	5	financial	financial	ADJ
fbem-1908	107	6	variables	variable	NOUN
fbem-1908	107	7	draws	draw	VERB
fbem-1908	107	8	on	on	ADP
fbem-1908	107	9	the	the	DET
fbem-1908	107	10	selection	selection	NOUN
fbem-1908	107	11	method	method	NOUN
fbem-1908	107	12	of	of	ADP
fbem-1908	107	13	digital	digital	ADJ
fbem-1908	107	14	financial	financial	PROPN
fbem-1908	107	15	variables[29]"which	variables[29]"which	PROPN
fbem-1908	107	16	of	of	ADP
fbem-1908	107	17	the	the	DET
fbem-1908	107	18	following	follow	VERB
fbem-1908	107	19	payment	payment	NOUN
fbem-1908	107	20	methods	method	NOUN
fbem-1908	107	21	do	do	AUX
fbem-1908	107	22	you	you	PRON
fbem-1908	107	23	and	and	CCONJ
fbem-1908	107	24	your	your	PRON
fbem-1908	107	25	family	family	NOUN
fbem-1908	107	26	usually	usually	ADV
fbem-1908	107	27	use	use	VERB
fbem-1908	107	28	when	when	SCONJ
fbem-1908	107	29	shopping	shopping	NOUN
fbem-1908	107	30	?	?	PUNCT
fbem-1908	108	1	the	the	DET
fbem-1908	108	2	option	option	NOUN
fbem-1908	108	3	of	of	ADP
fbem-1908	108	4	"	"	PUNCT
fbem-1908	108	5	swipe	swipe	NOUN
fbem-1908	108	6	card	card	NOUN
fbem-1908	108	7	,	,	PUNCT
fbem-1908	108	8	pay	pay	VERB
fbem-1908	108	9	through	through	ADP
fbem-1908	108	10	computer	computer	NOUN
fbem-1908	108	11	,	,	PUNCT
fbem-1908	108	12	and	and	CCONJ
fbem-1908	108	13	pay	pay	VERB
fbem-1908	108	14	through	through	ADP
fbem-1908	108	15	mobile	mobile	ADJ
fbem-1908	108	16	phone	phone	NOUN
fbem-1908	108	17	,	,	PUNCT
fbem-1908	108	18	pad	pad	NOUN
fbem-1908	108	19	"	"	PUNCT
fbem-1908	108	20	is	be	AUX
fbem-1908	108	21	defined	define	VERB
fbem-1908	108	22	as	as	ADP
fbem-1908	108	23	households	household	NOUN
fbem-1908	108	24	using	use	VERB
fbem-1908	108	25	digital	digital	ADJ
fbem-1908	108	26	finance	finance	NOUN
fbem-1908	108	27	,	,	PUNCT
fbem-1908	108	28	assigned	assign	VERB
fbem-1908	108	29	a	a	DET
fbem-1908	108	30	value	value	NOUN
fbem-1908	108	31	of	of	ADP
fbem-1908	108	32	0	0	NUM
fbem-1908	108	33	,	,	PUNCT
fbem-1908	108	34	or	or	CCONJ
fbem-1908	108	35	1	1	NUM
fbem-1908	108	36	otherwise	otherwise	ADV
fbem-1908	108	37	.	.	PUNCT
fbem-1908	109	1	(	(	PUNCT
fbem-1908	109	2	5	5	X
fbem-1908	109	3	)	)	PUNCT
fbem-1908	109	4	control	control	NOUN
fbem-1908	109	5	variables	variable	NOUN
fbem-1908	109	6	referring	refer	VERB
fbem-1908	109	7	to	to	ADP
fbem-1908	109	8	rooij	rooij	NOUN
fbem-1908	109	9	,	,	PUNCT
fbem-1908	109	10	meng	meng	PROPN
fbem-1908	109	11	hongwei	hongwei	PROPN
fbem-1908	109	12	,	,	PUNCT
fbem-1908	109	13	yin	yin	PROPN
fbem-1908	109	14	zhichao	zhichao	PROPN
fbem-1908	109	15	,	,	PUNCT
fbem-1908	109	16	etc	etc	X
fbem-1908	109	17	.	.	X
fbem-1908	109	18	and	and	CCONJ
fbem-1908	109	19	other	other	ADJ
fbem-1908	109	20	methods	method	NOUN
fbem-1908	109	21	to	to	PART
fbem-1908	109	22	select	select	VERB
fbem-1908	109	23	control	control	NOUN
fbem-1908	109	24	variables	variable	NOUN
fbem-1908	109	25	,	,	PUNCT
fbem-1908	109	26	this	this	DET
fbem-1908	109	27	article	article	NOUN
fbem-1908	109	28	divides	divide	VERB
fbem-1908	109	29	the	the	DET
fbem-1908	109	30	selected	select	VERB
fbem-1908	109	31	control	control	NOUN
fbem-1908	109	32	variables	variable	NOUN
fbem-1908	109	33	into	into	ADP
fbem-1908	109	34	family	family	NOUN
fbem-1908	109	35	characteristic	characteristic	ADJ
fbem-1908	109	36	variables	variable	NOUN
fbem-1908	109	37	(	(	PUNCT
fbem-1908	109	38	family	family	NOUN
fbem-1908	109	39	size	size	NOUN
fbem-1908	109	40	,	,	PUNCT
fbem-1908	109	41	household	household	NOUN
fbem-1908	109	42	income	income	NOUN
fbem-1908	109	43	,	,	PUNCT
fbem-1908	109	44	household	household	NOUN
fbem-1908	109	45	net	net	ADJ
fbem-1908	109	46	assets	asset	NOUN
fbem-1908	109	47	,	,	PUNCT
fbem-1908	109	48	household	household	NOUN
fbem-1908	109	49	investment	investment	NOUN
fbem-1908	109	50	risk	risk	NOUN
fbem-1908	109	51	returns	return	NOUN
fbem-1908	109	52	,	,	PUNCT
fbem-1908	109	53	social	social	ADJ
fbem-1908	109	54	pension	pension	NOUN
fbem-1908	109	55	participation	participation	NOUN
fbem-1908	109	56	,	,	PUNCT
fbem-1908	109	57	housing	housing	NOUN
fbem-1908	109	58	expectations	expectation	NOUN
fbem-1908	109	59	,	,	PUNCT
fbem-1908	109	60	net	net	ADJ
fbem-1908	109	61	income	income	NOUN
fbem-1908	109	62	)	)	PUNCT
fbem-1908	109	63	,	,	PUNCT
fbem-1908	109	64	household	household	NOUN
fbem-1908	109	65	characteristics	characteristic	NOUN
fbem-1908	109	66	(	(	PUNCT
fbem-1908	109	67	age	age	NOUN
fbem-1908	109	68	,	,	PUNCT
fbem-1908	109	69	physical	physical	ADJ
fbem-1908	109	70	condition	condition	NOUN
fbem-1908	109	71	,	,	PUNCT
fbem-1908	109	72	marital	marital	ADJ
fbem-1908	109	73	status	status	NOUN
fbem-1908	109	74	,	,	PUNCT
fbem-1908	109	75	education	education	NOUN
fbem-1908	109	76	,	,	PUNCT
fbem-1908	109	77	household	household	NOUN
fbem-1908	109	78	registration	registration	NOUN
fbem-1908	109	79	)	)	PUNCT
fbem-1908	109	80	and	and	CCONJ
fbem-1908	109	81	regional	regional	ADJ
fbem-1908	109	82	characteristic	characteristic	ADJ
fbem-1908	109	83	variables	variable	NOUN
fbem-1908	109	84	(	(	PUNCT
fbem-1908	109	85	central	central	ADJ
fbem-1908	109	86	,	,	PUNCT
fbem-1908	109	87	western	western	ADJ
fbem-1908	109	88	and	and	CCONJ
fbem-1908	109	89	eastern	eastern	ADJ
fbem-1908	109	90	)	)	PUNCT
fbem-1908	109	91	.	.	PUNCT
fbem-1908	110	1	the	the	DET
fbem-1908	110	2	eastern	eastern	ADJ
fbem-1908	110	3	region	region	NOUN
fbem-1908	110	4	of	of	ADP
fbem-1908	110	5	the	the	DET
fbem-1908	110	6	regional	regional	ADJ
fbem-1908	110	7	characteristic	characteristic	ADJ
fbem-1908	110	8	variables	variable	NOUN
fbem-1908	110	9	was	be	AUX
fbem-1908	110	10	selected	select	VERB
fbem-1908	110	11	as	as	SCONJ
fbem-1908	110	12	the	the	DET
fbem-1908	110	13	benchmark	benchmark	NOUN
fbem-1908	110	14	group	group	NOUN
fbem-1908	110	15	to	to	PART
fbem-1908	110	16	mitigate	mitigate	VERB
fbem-1908	110	17	the	the	DET
fbem-1908	110	18	effect	effect	NOUN
fbem-1908	110	19	of	of	ADP
fbem-1908	110	20	multicollinearity	multicollinearity	NOUN
fbem-1908	110	21	in	in	ADP
fbem-1908	110	22	the	the	DET
fbem-1908	110	23	measurement	measurement	NOUN
fbem-1908	110	24	analysis	analysis	NOUN
fbem-1908	110	25	.	.	PUNCT
fbem-1908	111	1	for	for	ADP
fbem-1908	111	2	the	the	DET
fbem-1908	111	3	total	total	ADJ
fbem-1908	111	4	family	family	NOUN
fbem-1908	111	5	income	income	NOUN
fbem-1908	111	6	,	,	PUNCT
fbem-1908	111	7	household	household	NOUN
fbem-1908	111	8	net	net	ADJ
fbem-1908	111	9	assets	asset	NOUN
fbem-1908	111	10	and	and	CCONJ
fbem-1908	111	11	household	household	NOUN
fbem-1908	111	12	net	net	ADJ
fbem-1908	111	13	income	income	NOUN
fbem-1908	111	14	,	,	PUNCT
fbem-1908	111	15	considering	consider	VERB
fbem-1908	111	16	the	the	DET
fbem-1908	111	17	rationality	rationality	NOUN
fbem-1908	111	18	of	of	ADP
fbem-1908	111	19	the	the	DET
fbem-1908	111	20	variable	variable	NOUN
fbem-1908	111	21	setting	setting	NOUN
fbem-1908	111	22	and	and	CCONJ
fbem-1908	111	23	the	the	DET
fbem-1908	111	24	feasibility	feasibility	NOUN
fbem-1908	111	25	of	of	ADP
fbem-1908	111	26	data	datum	NOUN
fbem-1908	111	27	regression	regression	NOUN
fbem-1908	111	28	,	,	PUNCT
fbem-1908	111	29	this	this	DET
fbem-1908	111	30	paper	paper	NOUN
fbem-1908	111	31	treats	treat	VERB
fbem-1908	111	32	the	the	DET
fbem-1908	111	33	extreme	extreme	ADJ
fbem-1908	111	34	value	value	NOUN
fbem-1908	111	35	of	of	ADP
fbem-1908	111	36	1	1	NUM
fbem-1908	111	37	%	%	NOUN
fbem-1908	111	38	to	to	PART
fbem-1908	111	39	eliminate	eliminate	VERB
fbem-1908	111	40	the	the	DET
fbem-1908	111	41	influence	influence	NOUN
fbem-1908	111	42	of	of	ADP
fbem-1908	111	43	the	the	DET
fbem-1908	111	44	difference	difference	NOUN
fbem-1908	111	45	value	value	NOUN
fbem-1908	111	46	,	,	PUNCT
fbem-1908	111	47	and	and	CCONJ
fbem-1908	111	48	adopts	adopt	VERB
fbem-1908	111	49	the	the	DET
fbem-1908	111	50	logarithmic	logarithmic	ADJ
fbem-1908	111	51	treatment	treatment	NOUN
fbem-1908	111	52	for	for	ADP
fbem-1908	111	53	all	all	DET
fbem-1908	111	54	the	the	DET
fbem-1908	111	55	three	three	NUM
fbem-1908	111	56	variables	variable	NOUN
fbem-1908	111	57	in	in	ADP
fbem-1908	111	58	the	the	DET
fbem-1908	111	59	regression	regression	NOUN
fbem-1908	111	60	analysis	analysis	NOUN
fbem-1908	111	61	.	.	PUNCT
fbem-1908	112	1	4	4	X
fbem-1908	112	2	.	.	X
fbem-1908	112	3	empirical	empirical	ADJ
fbem-1908	112	4	analysis	analysis	NOUN
fbem-1908	112	5	4.1	4.1	NUM
fbem-1908	112	6	.	.	PUNCT
fbem-1908	113	1	model	model	NOUN
fbem-1908	113	2	setting	set	VERB
fbem-1908	113	3	this	this	DET
fbem-1908	113	4	paper	paper	NOUN
fbem-1908	113	5	mainly	mainly	ADV
fbem-1908	113	6	uses	use	VERB
fbem-1908	113	7	ordinary	ordinary	ADJ
fbem-1908	113	8	least	least	ADJ
fbem-1908	113	9	squares	square	NOUN
fbem-1908	113	10	method	method	NOUN
fbem-1908	113	11	,	,	PUNCT
fbem-1908	113	12	structural	structural	ADJ
fbem-1908	113	13	equation	equation	NOUN
fbem-1908	113	14	mediation	mediation	NOUN
fbem-1908	113	15	effect	effect	NOUN
fbem-1908	113	16	model	model	NOUN
fbem-1908	113	17	and	and	CCONJ
fbem-1908	113	18	regulatory	regulatory	ADJ
fbem-1908	113	19	effect	effect	NOUN
fbem-1908	113	20	test	test	NOUN
fbem-1908	113	21	model	model	NOUN
fbem-1908	113	22	for	for	ADP
fbem-1908	113	23	empirical	empirical	ADJ
fbem-1908	113	24	analysis	analysis	NOUN
fbem-1908	113	25	.	.	PUNCT
fbem-1908	114	1	when	when	SCONJ
fbem-1908	114	2	exploring	explore	VERB
fbem-1908	114	3	the	the	DET
fbem-1908	114	4	influence	influence	NOUN
fbem-1908	114	5	of	of	ADP
fbem-1908	114	6	financial	financial	ADJ
fbem-1908	114	7	literacy	literacy	NOUN
fbem-1908	114	8	on	on	ADP
fbem-1908	114	9	the	the	DET
fbem-1908	114	10	consumption	consumption	NOUN
fbem-1908	114	11	expenditure	expenditure	NOUN
fbem-1908	114	12	and	and	CCONJ
fbem-1908	114	13	consumption	consumption	NOUN
fbem-1908	114	14	structure	structure	NOUN
fbem-1908	114	15	of	of	ADP
fbem-1908	114	16	households	household	NOUN
fbem-1908	114	17	,	,	PUNCT
fbem-1908	114	18	the	the	DET
fbem-1908	114	19	ordinary	ordinary	ADJ
fbem-1908	114	20	least	least	ADJ
fbem-1908	114	21	squares	square	NOUN
fbem-1908	114	22	method	method	NOUN
fbem-1908	114	23	is	be	AUX
fbem-1908	114	24	used	use	VERB
fbem-1908	114	25	;	;	PUNCT
fbem-1908	114	26	the	the	DET
fbem-1908	114	27	intermediary	intermediary	ADJ
fbem-1908	114	28	effect	effect	NOUN
fbem-1908	114	29	model	model	NOUN
fbem-1908	114	30	is	be	AUX
fbem-1908	114	31	used	use	VERB
fbem-1908	114	32	to	to	PART
fbem-1908	114	33	estimate	estimate	VERB
fbem-1908	114	34	and	and	CCONJ
fbem-1908	114	35	test	test	VERB
fbem-1908	114	36	the	the	DET
fbem-1908	114	37	influence	influence	NOUN
fbem-1908	114	38	of	of	ADP
fbem-1908	114	39	financial	financial	ADJ
fbem-1908	114	40	literacy	literacy	NOUN
fbem-1908	114	41	based	base	VERB
fbem-1908	114	42	on	on	ADP
fbem-1908	114	43	credit	credit	NOUN
fbem-1908	114	44	constraints	constraint	NOUN
fbem-1908	114	45	,	,	PUNCT
fbem-1908	114	46	and	and	CCONJ
fbem-1908	114	47	the	the	DET
fbem-1908	114	48	regulating	regulate	VERB
fbem-1908	114	49	effect	effect	NOUN
fbem-1908	114	50	test	test	NOUN
fbem-1908	114	51	model	model	NOUN
fbem-1908	114	52	is	be	AUX
fbem-1908	114	53	used	use	VERB
fbem-1908	114	54	in	in	ADP
fbem-1908	114	55	studying	study	VERB
fbem-1908	114	56	the	the	DET
fbem-1908	114	57	regulating	regulate	VERB
fbem-1908	114	58	effect	effect	NOUN
fbem-1908	114	59	of	of	ADP
fbem-1908	114	60	digital	digital	ADJ
fbem-1908	114	61	finance	finance	NOUN
fbem-1908	114	62	.	.	PUNCT
fbem-1908	115	1	the	the	DET
fbem-1908	115	2	model	model	NOUN
fbem-1908	115	3	expression	expression	NOUN
fbem-1908	115	4	is	be	AUX
fbem-1908	115	5	as	as	SCONJ
fbem-1908	115	6	follows	follow	VERB
fbem-1908	115	7	:	:	PUNCT
fbem-1908	115	8	(	(	PUNCT
fbem-1908	115	9	1	1	X
fbem-1908	115	10	)	)	PUNCT
fbem-1908	115	11	overall	overall	ADJ
fbem-1908	115	12	model	model	NOUN
fbem-1908	115	13			PUNCT
fbem-1908	115	14			NOUN
fbem-1908	115	15	txflc	txflc	PROPN
fbem-1908	115	16	10	10	NUM
fbem-1908	115	17	ln	ln	ADV
fbem-1908	115	18	among	among	ADP
fbem-1908	115	19	them	they	PRON
fbem-1908	115	20	,	,	PUNCT
fbem-1908	115	21	c	c	PROPN
fbem-1908	115	22	represents	represent	VERB
fbem-1908	115	23	the	the	DET
fbem-1908	115	24	household	household	NOUN
fbem-1908	115	25	consumption	consumption	NOUN
fbem-1908	115	26	expenditure	expenditure	NOUN
fbem-1908	115	27	,	,	PUNCT
fbem-1908	115	28	fl	fl	PROPN
fbem-1908	115	29	represents	represent	VERB
fbem-1908	115	30	the	the	DET
fbem-1908	115	31	financial	financial	ADJ
fbem-1908	115	32	literacy	literacy	NOUN
fbem-1908	115	33	index	index	NOUN
fbem-1908	115	34	,	,	PUNCT
fbem-1908	115	35	tx	tx	PROPN
fbem-1908	115	36	represents	represent	VERB
fbem-1908	115	37	the	the	DET
fbem-1908	115	38	control	control	NOUN
fbem-1908	115	39	variables	variable	NOUN
fbem-1908	115	40	,	,	PUNCT
fbem-1908	115	41	including	include	VERB
fbem-1908	115	42	the	the	DET
fbem-1908	115	43	household	household	NOUN
fbem-1908	115	44	characteristic	characteristic	ADJ
fbem-1908	115	45	variables	variable	NOUN
fbem-1908	115	46	and	and	CCONJ
fbem-1908	115	47	the	the	DET
fbem-1908	115	48	regional	regional	ADJ
fbem-1908	115	49	characteristic	characteristic	ADJ
fbem-1908	115	50	variables	variable	NOUN
fbem-1908	115	51	,	,	PUNCT
fbem-1908	115	52			PROPN
fbem-1908	115	53	represents	represent	VERB
fbem-1908	115	54	the	the	DET
fbem-1908	115	55	error	error	NOUN
fbem-1908	115	56	items	item	NOUN
fbem-1908	115	57	.	.	PUNCT
fbem-1908	116	1	(	(	PUNCT
fbem-1908	116	2	2	2	X
fbem-1908	116	3	)	)	PUNCT
fbem-1908	116	4	mediation	mediation	NOUN
fbem-1908	116	5	effect	effect	NOUN
fbem-1908	116	6	model	model	NOUN
fbem-1908	116	7	of	of	ADP
fbem-1908	116	8	structural	structural	ADJ
fbem-1908	116	9	equations	equation	NOUN
fbem-1908	116	10			X
fbem-1908	116	11			X
fbem-1908	116	12			NUM
fbem-1908	116	13			NOUN
fbem-1908	116	14			PROPN
fbem-1908	116	15			NUM
fbem-1908	116	16			PROPN
fbem-1908	116	17			NUM
fbem-1908	116	18			NUM
fbem-1908	116	19			NUM
fbem-1908	116	20			NUM
fbem-1908	116	21			PROPN
fbem-1908	116	22			PUNCT
fbem-1908	117	1			PROPN
fbem-1908	117	2			PROPN
fbem-1908	117	3			PROPN
fbem-1908	117	4	xcbmc	xcbmc	PROPN
fbem-1908	117	5	axm	axm	PROPN
fbem-1908	117	6	cxc	cxc	PROPN
fbem-1908	117	7	0	0	NUM
fbem-1908	117	8	0	0	NUM
fbem-1908	117	9	0	0	NUM
fbem-1908	118	1	ln	ln	NOUN
fbem-1908	118	2	ln	ln	PROPN
fbem-1908	118	3	ln	ln	NOUN
fbem-1908	118	4	c	c	NOUN
fbem-1908	118	5	represents	represent	VERB
fbem-1908	118	6	the	the	DET
fbem-1908	118	7	total	total	ADJ
fbem-1908	118	8	effect	effect	NOUN
fbem-1908	118	9	and	and	CCONJ
fbem-1908	118	10	m	m	NOUN
fbem-1908	118	11	represents	represent	VERB
fbem-1908	118	12	the	the	DET
fbem-1908	118	13	60	60	NUM
fbem-1908	118	14	intermediary	intermediary	ADJ
fbem-1908	118	15	variable	variable	NOUN
fbem-1908	118	16	.	.	PUNCT
fbem-1908	119	1	4.2	4.2	NUM
fbem-1908	119	2	.	.	PUNCT
fbem-1908	120	1	the	the	DET
fbem-1908	120	2	impact	impact	NOUN
fbem-1908	120	3	of	of	ADP
fbem-1908	120	4	financial	financial	ADJ
fbem-1908	120	5	literacy	literacy	NOUN
fbem-1908	120	6	on	on	ADP
fbem-1908	120	7	household	household	NOUN
fbem-1908	120	8	consumption	consumption	NOUN
fbem-1908	120	9	this	this	DET
fbem-1908	120	10	paper	paper	NOUN
fbem-1908	120	11	first	first	ADV
fbem-1908	120	12	explores	explore	VERB
fbem-1908	120	13	the	the	DET
fbem-1908	120	14	impact	impact	NOUN
fbem-1908	120	15	of	of	ADP
fbem-1908	120	16	financial	financial	ADJ
fbem-1908	120	17	literacy	literacy	NOUN
fbem-1908	120	18	on	on	ADP
fbem-1908	120	19	household	household	NOUN
fbem-1908	120	20	consumption	consumption	NOUN
fbem-1908	120	21	using	use	VERB
fbem-1908	120	22	ordinary	ordinary	ADJ
fbem-1908	120	23	least	least	ADJ
fbem-1908	120	24	squares	square	NOUN
fbem-1908	120	25	methods	method	NOUN
fbem-1908	120	26	.	.	PUNCT
fbem-1908	121	1	that	that	PRON
fbem-1908	121	2	is	is	ADV
fbem-1908	121	3	,	,	PUNCT
fbem-1908	121	4	the	the	DET
fbem-1908	121	5	different	different	ADJ
fbem-1908	121	6	structures	structure	NOUN
fbem-1908	121	7	of	of	ADP
fbem-1908	121	8	financial	financial	ADJ
fbem-1908	121	9	literacy	literacy	NOUN
fbem-1908	121	10	,	,	PUNCT
fbem-1908	121	11	total	total	ADJ
fbem-1908	121	12	per	per	X
fbem-1908	121	13	capita	capita	X
fbem-1908	121	14	consumption	consumption	NOUN
fbem-1908	121	15	expenditure	expenditure	NOUN
fbem-1908	121	16	and	and	CCONJ
fbem-1908	121	17	household	household	NOUN
fbem-1908	121	18	consumption	consumption	NOUN
fbem-1908	121	19	are	be	AUX
fbem-1908	121	20	analyzed	analyze	VERB
fbem-1908	121	21	respectively	respectively	ADV
fbem-1908	121	22	.	.	PUNCT
fbem-1908	122	1	as	as	SCONJ
fbem-1908	122	2	shown	show	VERB
fbem-1908	122	3	in	in	ADP
fbem-1908	122	4	table5	table5	PROPN
fbem-1908	122	5	,	,	PUNCT
fbem-1908	122	6	it	it	PRON
fbem-1908	122	7	shows	show	VERB
fbem-1908	122	8	the	the	DET
fbem-1908	122	9	regression	regression	NOUN
fbem-1908	122	10	results	result	NOUN
fbem-1908	122	11	of	of	ADP
fbem-1908	122	12	financial	financial	ADJ
fbem-1908	122	13	literacy	literacy	NOUN
fbem-1908	122	14	on	on	ADP
fbem-1908	122	15	household	household	NOUN
fbem-1908	122	16	consumption	consumption	NOUN
fbem-1908	122	17	and	and	CCONJ
fbem-1908	122	18	its	its	PRON
fbem-1908	122	19	different	different	ADJ
fbem-1908	122	20	consumption	consumption	NOUN
fbem-1908	122	21	structure	structure	NOUN
fbem-1908	122	22	.	.	PUNCT
fbem-1908	123	1	the	the	DET
fbem-1908	123	2	results	result	NOUN
fbem-1908	123	3	show	show	VERB
fbem-1908	123	4	that	that	SCONJ
fbem-1908	123	5	financial	financial	ADJ
fbem-1908	123	6	literacy	literacy	NOUN
fbem-1908	123	7	has	have	VERB
fbem-1908	123	8	a	a	DET
fbem-1908	123	9	significant	significant	ADJ
fbem-1908	123	10	positive	positive	ADJ
fbem-1908	123	11	effect	effect	NOUN
fbem-1908	123	12	on	on	ADP
fbem-1908	123	13	household	household	NOUN
fbem-1908	123	14	total	total	NOUN
fbem-1908	123	15	per	per	ADP
fbem-1908	123	16	capita	capita	X
fbem-1908	123	17	consumption	consumption	NOUN
fbem-1908	123	18	expenditure	expenditure	NOUN
fbem-1908	123	19	,	,	PUNCT
fbem-1908	123	20	which	which	PRON
fbem-1908	123	21	proves	prove	VERB
fbem-1908	123	22	the	the	DET
fbem-1908	123	23	establishment	establishment	NOUN
fbem-1908	123	24	of	of	ADP
fbem-1908	123	25	hypothesis	hypothesis	NOUN
fbem-1908	123	26	1	1	NUM
fbem-1908	123	27	.	.	PUNCT
fbem-1908	124	1	as	as	SCONJ
fbem-1908	124	2	can	can	AUX
fbem-1908	124	3	be	be	AUX
fbem-1908	124	4	seen	see	VERB
fbem-1908	124	5	from	from	ADP
fbem-1908	124	6	table	table	NOUN
fbem-1908	124	7	5	5	NUM
fbem-1908	124	8	,	,	PUNCT
fbem-1908	124	9	for	for	ADP
fbem-1908	124	10	each	each	DET
fbem-1908	124	11	one	one	NUM
fbem-1908	124	12	-	-	PUNCT
fbem-1908	124	13	unit	unit	NOUN
fbem-1908	124	14	increase	increase	NOUN
fbem-1908	124	15	in	in	ADP
fbem-1908	124	16	the	the	DET
fbem-1908	124	17	financial	financial	ADJ
fbem-1908	124	18	literacy	literacy	NOUN
fbem-1908	124	19	index	index	NOUN
fbem-1908	124	20	,	,	PUNCT
fbem-1908	124	21	the	the	DET
fbem-1908	124	22	total	total	NOUN
fbem-1908	124	23	per	per	ADP
fbem-1908	124	24	capita	capita	X
fbem-1908	124	25	household	household	NOUN
fbem-1908	124	26	consumption	consumption	NOUN
fbem-1908	124	27	expenditure	expenditure	NOUN
fbem-1908	124	28	increases	increase	NOUN
fbem-1908	124	29	by	by	ADP
fbem-1908	124	30	11.6	11.6	NUM
fbem-1908	124	31	%	%	NOUN
fbem-1908	124	32	according	accord	VERB
fbem-1908	124	33	to	to	ADP
fbem-1908	124	34	the	the	DET
fbem-1908	124	35	average	average	ADJ
fbem-1908	124	36	value	value	NOUN
fbem-1908	124	37	of	of	ADP
fbem-1908	124	38	financial	financial	ADJ
fbem-1908	124	39	literacy	literacy	NOUN
fbem-1908	124	40	.	.	PUNCT
fbem-1908	125	1	second	second	ADJ
fbem-1908	125	2	,	,	PUNCT
fbem-1908	125	3	three	three	NUM
fbem-1908	125	4	and	and	CCONJ
fbem-1908	125	5	four	four	NUM
fbem-1908	125	6	columns	column	NOUN
fbem-1908	125	7	,	,	PUNCT
fbem-1908	125	8	according	accord	VERB
fbem-1908	125	9	to	to	ADP
fbem-1908	125	10	the	the	DET
fbem-1908	125	11	results	result	NOUN
fbem-1908	125	12	of	of	ADP
fbem-1908	125	13	the	the	DET
fbem-1908	125	14	financial	financial	ADJ
fbem-1908	125	15	literacy	literacy	NOUN
fbem-1908	125	16	index	index	NOUN
fbem-1908	125	17	for	for	ADP
fbem-1908	125	18	family	family	NOUN
fbem-1908	125	19	per	per	ADP
fbem-1908	125	20	capita	capita	NOUN
fbem-1908	125	21	survival	survival	NOUN
fbem-1908	125	22	,	,	PUNCT
fbem-1908	125	23	development	development	NOUN
fbem-1908	125	24	and	and	CCONJ
fbem-1908	125	25	enjoy	enjoy	VERB
fbem-1908	125	26	consumption	consumption	NOUN
fbem-1908	125	27	spending	spending	NOUN
fbem-1908	125	28	have	have	VERB
fbem-1908	125	29	positive	positive	ADJ
fbem-1908	125	30	effect	effect	NOUN
fbem-1908	125	31	,	,	PUNCT
fbem-1908	125	32	financial	financial	ADJ
fbem-1908	125	33	literacy	literacy	NOUN
fbem-1908	125	34	index	index	NOUN
fbem-1908	125	35	each	each	PRON
fbem-1908	125	36	improve	improve	VERB
fbem-1908	125	37	a	a	DET
fbem-1908	125	38	unit	unit	NOUN
fbem-1908	125	39	,	,	PUNCT
fbem-1908	125	40	family	family	NOUN
fbem-1908	125	41	per	per	ADP
fbem-1908	125	42	capita	capita	X
fbem-1908	125	43	survival	survival	NOUN
fbem-1908	125	44	consumption	consumption	NOUN
fbem-1908	125	45	spending	spending	NOUN
fbem-1908	125	46	increased	increase	VERB
fbem-1908	125	47	by	by	ADP
fbem-1908	125	48	2.6	2.6	NUM
fbem-1908	125	49	%	%	NOUN
fbem-1908	125	50	,	,	PUNCT
fbem-1908	125	51	family	family	NOUN
fbem-1908	125	52	per	per	ADP
fbem-1908	125	53	capita	capita	X
fbem-1908	125	54	enjoy	enjoy	VERB
fbem-1908	125	55	consumption	consumption	NOUN
fbem-1908	125	56	spending	spending	NOUN
fbem-1908	125	57	increased	increase	VERB
fbem-1908	125	58	by	by	ADP
fbem-1908	125	59	3.1	3.1	NUM
fbem-1908	125	60	%	%	NOUN
fbem-1908	125	61	,	,	PUNCT
fbem-1908	125	62	family	family	NOUN
fbem-1908	125	63	per	per	ADP
fbem-1908	125	64	capita	capita	X
fbem-1908	125	65	development	development	NOUN
fbem-1908	125	66	consumption	consumption	NOUN
fbem-1908	125	67	spending	spending	NOUN
fbem-1908	125	68	increased	increase	VERB
fbem-1908	125	69	by	by	ADP
fbem-1908	125	70	5.8	5.8	NUM
fbem-1908	125	71	%	%	NOUN
fbem-1908	125	72	.	.	PUNCT
fbem-1908	126	1	therefore	therefore	ADV
fbem-1908	126	2	,	,	PUNCT
fbem-1908	126	3	improving	improve	VERB
fbem-1908	126	4	the	the	DET
fbem-1908	126	5	financial	financial	ADJ
fbem-1908	126	6	literacy	literacy	NOUN
fbem-1908	126	7	of	of	ADP
fbem-1908	126	8	residents	resident	NOUN
fbem-1908	126	9	contributes	contribute	VERB
fbem-1908	126	10	to	to	ADP
fbem-1908	126	11	the	the	DET
fbem-1908	126	12	increase	increase	NOUN
fbem-1908	126	13	of	of	ADP
fbem-1908	126	14	the	the	DET
fbem-1908	126	15	total	total	NOUN
fbem-1908	126	16	per	per	ADP
fbem-1908	126	17	capita	capita	X
fbem-1908	126	18	consumption	consumption	NOUN
fbem-1908	126	19	expenditure	expenditure	NOUN
fbem-1908	126	20	and	and	CCONJ
fbem-1908	126	21	the	the	DET
fbem-1908	126	22	per	per	X
fbem-1908	126	23	capita	capita	X
fbem-1908	126	24	survival	survival	NOUN
fbem-1908	126	25	type	type	NOUN
fbem-1908	126	26	,	,	PUNCT
fbem-1908	126	27	development	development	NOUN
fbem-1908	126	28	type	type	NOUN
fbem-1908	126	29	and	and	CCONJ
fbem-1908	126	30	enjoyment	enjoyment	NOUN
fbem-1908	126	31	type	type	NOUN
fbem-1908	126	32	consumption	consumption	NOUN
fbem-1908	126	33	expenditure	expenditure	NOUN
fbem-1908	126	34	.	.	PUNCT
fbem-1908	127	1	table	table	NOUN
fbem-1908	127	2	5	5	NUM
fbem-1908	127	3	.	.	PUNCT
fbem-1908	128	1	impact	impact	NOUN
fbem-1908	128	2	of	of	ADP
fbem-1908	128	3	financial	financial	ADJ
fbem-1908	128	4	literacy	literacy	NOUN
fbem-1908	128	5	on	on	ADP
fbem-1908	128	6	household	household	NOUN
fbem-1908	128	7	consumption	consumption	NOUN
fbem-1908	128	8	variable	variable	NOUN
fbem-1908	128	9	total_con	total_con	PUNCT
fbem-1908	128	10	subsistence_con	subsistence_con	X
fbem-1908	128	11	enjoyment_con	enjoyment_con	X
fbem-1908	128	12	development_con	development_con	X
fbem-1908	128	13	financial	financial	ADJ
fbem-1908	128	14	literacy	literacy	NOUN
fbem-1908	128	15	0.116	0.116	NUM
fbem-1908	128	16	*	*	PUNCT
fbem-1908	128	17	*	*	PUNCT
fbem-1908	128	18	*	*	PUNCT
fbem-1908	128	19	(	(	PUNCT
fbem-1908	128	20	8.04	8.04	NUM
fbem-1908	128	21	)	)	PUNCT
fbem-1908	128	22	0.026	0.026	NUM
fbem-1908	128	23	*	*	PUNCT
fbem-1908	128	24	*	*	PUNCT
fbem-1908	128	25	*	*	PUNCT
fbem-1908	128	26	(	(	PUNCT
fbem-1908	128	27	6.74	6.74	NUM
fbem-1908	128	28	)	)	PUNCT
fbem-1908	128	29	0.031	0.031	NUM
fbem-1908	128	30	*	*	PUNCT
fbem-1908	128	31	*	*	PUNCT
fbem-1908	128	32	*	*	PUNCT
fbem-1908	128	33	(	(	PUNCT
fbem-1908	128	34	8.66	8.66	NUM
fbem-1908	128	35	)	)	PUNCT
fbem-1908	128	36	0.058	0.058	NUM
fbem-1908	128	37	*	*	PUNCT
fbem-1908	128	38	*	*	PUNCT
fbem-1908	128	39	*	*	PUNCT
fbem-1908	128	40	(	(	PUNCT
fbem-1908	128	41	7.72	7.72	NUM
fbem-1908	128	42	)	)	PUNCT
fbem-1908	128	43	control	control	NOUN
fbem-1908	128	44	variables	variable	NOUN
fbem-1908	129	1	yes	yes	INTJ
fbem-1908	130	1	yes	yes	INTJ
fbem-1908	130	2	yes	yes	INTJ
fbem-1908	130	3	yes	yes	INTJ
fbem-1908	130	4	constant	constant	ADJ
fbem-1908	130	5	4.638	4.638	PRON
fbem-1908	130	6	*	*	PUNCT
fbem-1908	130	7	*	*	PUNCT
fbem-1908	130	8	*	*	PUNCT
fbem-1908	130	9	(	(	PUNCT
fbem-1908	130	10	28.83	28.83	NUM
fbem-1908	130	11	)	)	PUNCT
fbem-1908	130	12	2.359	2.359	NUM
fbem-1908	130	13	*	*	PUNCT
fbem-1908	131	1	*	*	PUNCT
fbem-1908	131	2	*	*	PUNCT
fbem-1908	131	3	(	(	PUNCT
fbem-1908	131	4	53.91	53.91	NUM
fbem-1908	131	5	)	)	PUNCT
fbem-1908	131	6	1.141	1.141	NUM
fbem-1908	131	7	*	*	PUNCT
fbem-1908	131	8	*	*	PUNCT
fbem-1908	131	9	*	*	PUNCT
fbem-1908	131	10	(	(	PUNCT
fbem-1908	131	11	28.52	28.52	NUM
fbem-1908	131	12	)	)	PUNCT
fbem-1908	131	13	1.138	1.138	NUM
fbem-1908	131	14	*	*	PUNCT
fbem-1908	131	15	*	*	PUNCT
fbem-1908	131	16	*	*	PUNCT
fbem-1908	131	17	(	(	PUNCT
fbem-1908	131	18	13.46	13.46	NUM
fbem-1908	131	19	)	)	PUNCT
fbem-1908	131	20	observations	observation	NOUN
fbem-1908	131	21	39076	39076	NUM
fbem-1908	131	22	39076	39076	NUM
fbem-1908	131	23	39076	39076	NUM
fbem-1908	131	24	39076	39076	NUM
fbem-1908	131	25	r	r	NOUN
fbem-1908	131	26	-	-	PUNCT
fbem-1908	131	27	squared	square	VERB
fbem-1908	131	28	0.253	0.253	NUM
fbem-1908	131	29	0.232	0.232	NUM
fbem-1908	131	30	0.197	0.197	NUM
fbem-1908	131	31	0.258	0.258	NUM
fbem-1908	131	32	note	note	NOUN
fbem-1908	131	33	:	:	PUNCT
fbem-1908	131	34	*	*	PUNCT
fbem-1908	132	1	*	*	PUNCT
fbem-1908	132	2	*	*	PUNCT
fbem-1908	132	3	,	,	PUNCT
fbem-1908	132	4	*	*	PUNCT
fbem-1908	132	5	*	*	PUNCT
fbem-1908	132	6	,	,	PUNCT
fbem-1908	132	7	and	and	CCONJ
fbem-1908	132	8	*	*	PUNCT
fbem-1908	132	9	are	be	AUX
fbem-1908	132	10	significant	significant	ADJ
fbem-1908	132	11	at	at	ADP
fbem-1908	132	12	1	1	NUM
fbem-1908	132	13	%	%	NOUN
fbem-1908	132	14	,	,	PUNCT
fbem-1908	132	15	5	5	NUM
fbem-1908	132	16	%	%	NOUN
fbem-1908	132	17	,	,	PUNCT
fbem-1908	132	18	and	and	CCONJ
fbem-1908	132	19	10	10	NUM
fbem-1908	132	20	%	%	NOUN
fbem-1908	132	21	,	,	PUNCT
fbem-1908	132	22	respectively	respectively	ADV
fbem-1908	132	23	,	,	PUNCT
fbem-1908	132	24	with	with	ADP
fbem-1908	132	25	the	the	DET
fbem-1908	132	26	t	t	NOUN
fbem-1908	132	27	-	-	PUNCT
fbem-1908	132	28	statistic	statistic	NOUN
fbem-1908	132	29	value	value	NOUN
fbem-1908	132	30	in	in	ADP
fbem-1908	132	31	parentheses	parenthesis	NOUN
fbem-1908	132	32	.	.	PUNCT
fbem-1908	133	1	4.3	4.3	NUM
fbem-1908	133	2	.	.	PUNCT
fbem-1908	133	3	financial	financial	ADJ
fbem-1908	133	4	literacy	literacy	NOUN
fbem-1908	133	5	,	,	PUNCT
fbem-1908	133	6	credit	credit	NOUN
fbem-1908	133	7	constraints	constraint	NOUN
fbem-1908	133	8	and	and	CCONJ
fbem-1908	133	9	household	household	NOUN
fbem-1908	133	10	consumption	consumption	NOUN
fbem-1908	133	11	as	as	SCONJ
fbem-1908	133	12	can	can	AUX
fbem-1908	133	13	be	be	AUX
fbem-1908	133	14	seen	see	VERB
fbem-1908	133	15	from	from	ADP
fbem-1908	133	16	table	table	NOUN
fbem-1908	133	17	6	6	NUM
fbem-1908	133	18	,	,	PUNCT
fbem-1908	133	19	credit	credit	NOUN
fbem-1908	133	20	constraints	constraint	NOUN
fbem-1908	133	21	have	have	VERB
fbem-1908	133	22	a	a	DET
fbem-1908	133	23	negative	negative	ADJ
fbem-1908	133	24	and	and	CCONJ
fbem-1908	133	25	significant	significant	ADJ
fbem-1908	133	26	impact	impact	NOUN
fbem-1908	133	27	on	on	ADP
fbem-1908	133	28	the	the	DET
fbem-1908	133	29	total	total	ADJ
fbem-1908	133	30	household	household	NOUN
fbem-1908	133	31	per	per	ADP
fbem-1908	133	32	capita	capita	X
fbem-1908	133	33	consumption	consumption	NOUN
fbem-1908	133	34	expenditure	expenditure	NOUN
fbem-1908	133	35	,	,	PUNCT
fbem-1908	133	36	and	and	CCONJ
fbem-1908	133	37	the	the	DET
fbem-1908	133	38	household	household	NOUN
fbem-1908	133	39	per	per	ADP
fbem-1908	133	40	capita	capita	X
fbem-1908	133	41	survival	survival	NOUN
fbem-1908	133	42	expenditure	expenditure	NOUN
fbem-1908	133	43	,	,	PUNCT
fbem-1908	133	44	development	development	NOUN
fbem-1908	133	45	type	type	NOUN
fbem-1908	133	46	and	and	CCONJ
fbem-1908	133	47	enjoyment	enjoyment	NOUN
fbem-1908	133	48	type	type	NOUN
fbem-1908	133	49	consumption	consumption	NOUN
fbem-1908	133	50	expenditure	expenditure	NOUN
fbem-1908	133	51	.	.	PUNCT
fbem-1908	134	1	in	in	ADP
fbem-1908	134	2	the	the	DET
fbem-1908	134	3	model	model	NOUN
fbem-1908	134	4	of	of	ADP
fbem-1908	134	5	total	total	ADJ
fbem-1908	134	6	household	household	NOUN
fbem-1908	134	7	per	per	ADP
fbem-1908	134	8	capita	capita	X
fbem-1908	134	9	consumption	consumption	NOUN
fbem-1908	134	10	expenditure	expenditure	NOUN
fbem-1908	134	11	,	,	PUNCT
fbem-1908	134	12	household	household	NOUN
fbem-1908	134	13	per	per	ADP
fbem-1908	134	14	capita	capita	X
fbem-1908	134	15	survival	survival	NOUN
fbem-1908	134	16	expenditure	expenditure	NOUN
fbem-1908	134	17	,	,	PUNCT
fbem-1908	134	18	development	development	NOUN
fbem-1908	134	19	expenditure	expenditure	NOUN
fbem-1908	134	20	and	and	CCONJ
fbem-1908	134	21	enjoyment	enjoyment	NOUN
fbem-1908	134	22	consumption	consumption	NOUN
fbem-1908	134	23	expenditure	expenditure	NOUN
fbem-1908	134	24	,	,	PUNCT
fbem-1908	134	25	the	the	DET
fbem-1908	134	26	interaction	interaction	NOUN
fbem-1908	134	27	terms	term	NOUN
fbem-1908	134	28	of	of	ADP
fbem-1908	134	29	financial	financial	ADJ
fbem-1908	134	30	literacy	literacy	NOUN
fbem-1908	134	31	and	and	CCONJ
fbem-1908	134	32	credit	credit	NOUN
fbem-1908	134	33	constraints	constraint	NOUN
fbem-1908	134	34	were	be	AUX
fbem-1908	134	35	all	all	ADV
fbem-1908	134	36	positive	positive	ADJ
fbem-1908	134	37	at	at	ADP
fbem-1908	134	38	the	the	DET
fbem-1908	134	39	10	10	NUM
fbem-1908	134	40	%	%	NOUN
fbem-1908	134	41	significance	significance	NOUN
fbem-1908	134	42	level	level	NOUN
fbem-1908	134	43	.	.	PUNCT
fbem-1908	135	1	in	in	ADP
fbem-1908	135	2	the	the	DET
fbem-1908	135	3	family	family	NOUN
fbem-1908	135	4	per	per	ADP
fbem-1908	135	5	capita	capita	X
fbem-1908	135	6	survival	survival	NOUN
fbem-1908	135	7	type	type	NOUN
fbem-1908	135	8	,	,	PUNCT
fbem-1908	135	9	development	development	NOUN
fbem-1908	135	10	type	type	NOUN
fbem-1908	135	11	and	and	CCONJ
fbem-1908	135	12	enjoyment	enjoyment	NOUN
fbem-1908	135	13	consumption	consumption	NOUN
fbem-1908	135	14	expenditure	expenditure	NOUN
fbem-1908	135	15	model	model	NOUN
fbem-1908	135	16	,	,	PUNCT
fbem-1908	135	17	the	the	DET
fbem-1908	135	18	regression	regression	NOUN
fbem-1908	135	19	coefficient	coefficient	NOUN
fbem-1908	135	20	of	of	ADP
fbem-1908	135	21	the	the	DET
fbem-1908	135	22	interaction	interaction	NOUN
fbem-1908	135	23	term	term	NOUN
fbem-1908	135	24	of	of	ADP
fbem-1908	135	25	financial	financial	ADJ
fbem-1908	135	26	literacy	literacy	NOUN
fbem-1908	135	27	and	and	CCONJ
fbem-1908	135	28	credit	credit	NOUN
fbem-1908	135	29	constraint	constraint	NOUN
fbem-1908	135	30	is	be	AUX
fbem-1908	135	31	greater	great	ADJ
fbem-1908	135	32	in	in	ADP
fbem-1908	135	33	the	the	DET
fbem-1908	135	34	family	family	NOUN
fbem-1908	135	35	development	development	NOUN
fbem-1908	135	36	consumption	consumption	NOUN
fbem-1908	135	37	expenditure	expenditure	NOUN
fbem-1908	135	38	model	model	NOUN
fbem-1908	135	39	.	.	PUNCT
fbem-1908	136	1	the	the	DET
fbem-1908	136	2	possible	possible	ADJ
fbem-1908	136	3	reason	reason	NOUN
fbem-1908	136	4	is	be	AUX
fbem-1908	136	5	that	that	SCONJ
fbem-1908	136	6	the	the	DET
fbem-1908	136	7	improvement	improvement	NOUN
fbem-1908	136	8	of	of	ADP
fbem-1908	136	9	financial	financial	ADJ
fbem-1908	136	10	literacy	literacy	NOUN
fbem-1908	136	11	can	can	AUX
fbem-1908	136	12	effectively	effectively	ADV
fbem-1908	136	13	relieve	relieve	VERB
fbem-1908	136	14	the	the	DET
fbem-1908	136	15	pressure	pressure	NOUN
fbem-1908	136	16	of	of	ADP
fbem-1908	136	17	credit	credit	NOUN
fbem-1908	136	18	constraints	constraint	NOUN
fbem-1908	136	19	,	,	PUNCT
fbem-1908	136	20	thus	thus	ADV
fbem-1908	136	21	increasing	increase	VERB
fbem-1908	136	22	family	family	NOUN
fbem-1908	136	23	investment	investment	NOUN
fbem-1908	136	24	in	in	ADP
fbem-1908	136	25	development	development	NOUN
fbem-1908	136	26	consumption	consumption	NOUN
fbem-1908	136	27	expenditure	expenditure	NOUN
fbem-1908	136	28	,	,	PUNCT
fbem-1908	136	29	so	so	SCONJ
fbem-1908	136	30	as	as	SCONJ
fbem-1908	136	31	to	to	PART
fbem-1908	136	32	increase	increase	VERB
fbem-1908	136	33	the	the	DET
fbem-1908	136	34	opportunity	opportunity	NOUN
fbem-1908	136	35	that	that	PRON
fbem-1908	136	36	may	may	AUX
fbem-1908	136	37	increase	increase	VERB
fbem-1908	136	38	family	family	NOUN
fbem-1908	136	39	wealth	wealth	NOUN
fbem-1908	136	40	in	in	ADP
fbem-1908	136	41	the	the	DET
fbem-1908	136	42	future	future	NOUN
fbem-1908	136	43	.	.	PUNCT
fbem-1908	137	1	does	do	AUX
fbem-1908	137	2	financial	financial	ADJ
fbem-1908	137	3	literacy	literacy	NOUN
fbem-1908	137	4	affect	affect	VERB
fbem-1908	137	5	household	household	NOUN
fbem-1908	137	6	consumption	consumption	NOUN
fbem-1908	137	7	through	through	ADP
fbem-1908	137	8	the	the	DET
fbem-1908	137	9	intermediary	intermediary	ADJ
fbem-1908	137	10	effect	effect	NOUN
fbem-1908	137	11	of	of	ADP
fbem-1908	137	12	credit	credit	NOUN
fbem-1908	137	13	constraints	constraint	NOUN
fbem-1908	137	14	?	?	PUNCT
fbem-1908	138	1	refer	refer	VERB
fbem-1908	138	2	to	to	ADP
fbem-1908	138	3	wen	wen	PROPN
fbem-1908	138	4	zhonglin	zhonglin	PROPN
fbem-1908	138	5	's	's	PART
fbem-1908	138	6	structural	structural	ADJ
fbem-1908	138	7	equation	equation	NOUN
fbem-1908	138	8	mediation	mediation	NOUN
fbem-1908	138	9	effect[30	effect[30	NOUN
fbem-1908	138	10	]	]	PUNCT
fbem-1908	138	11	,	,	PUNCT
fbem-1908	138	12	the	the	DET
fbem-1908	138	13	results	result	NOUN
fbem-1908	138	14	are	be	AUX
fbem-1908	138	15	shown	show	VERB
fbem-1908	138	16	in	in	ADP
fbem-1908	138	17	table	table	NOUN
fbem-1908	138	18	7	7	NUM
fbem-1908	138	19	,	,	PUNCT
fbem-1908	138	20	which	which	PRON
fbem-1908	138	21	can	can	AUX
fbem-1908	138	22	be	be	AUX
fbem-1908	138	23	seen	see	VERB
fbem-1908	138	24	that	that	SCONJ
fbem-1908	138	25	financial	financial	ADJ
fbem-1908	138	26	literacy	literacy	NOUN
fbem-1908	138	27	and	and	CCONJ
fbem-1908	138	28	credit	credit	NOUN
fbem-1908	138	29	constraints	constraint	NOUN
fbem-1908	138	30	for	for	ADP
fbem-1908	138	31	household	household	NOUN
fbem-1908	138	32	consumption	consumption	NOUN
fbem-1908	138	33	results	result	NOUN
fbem-1908	138	34	are	be	AUX
fbem-1908	138	35	also	also	ADV
fbem-1908	138	36	significant	significant	ADJ
fbem-1908	138	37	,	,	PUNCT
fbem-1908	138	38	indicating	indicate	VERB
fbem-1908	138	39	the	the	DET
fbem-1908	138	40	existence	existence	NOUN
fbem-1908	138	41	of	of	ADP
fbem-1908	138	42	an	an	DET
fbem-1908	138	43	intermediation	intermediation	NOUN
fbem-1908	138	44	effect	effect	NOUN
fbem-1908	138	45	,	,	PUNCT
fbem-1908	138	46	and	and	CCONJ
fbem-1908	138	47	proving	prove	VERB
fbem-1908	138	48	the	the	DET
fbem-1908	138	49	establishment	establishment	NOUN
fbem-1908	138	50	of	of	ADP
fbem-1908	138	51	hypothesis	hypothesis	NOUN
fbem-1908	138	52	2	2	NUM
fbem-1908	138	53	.	.	PUNCT
fbem-1908	139	1	among	among	ADP
fbem-1908	139	2	them	they	PRON
fbem-1908	139	3	,	,	PUNCT
fbem-1908	139	4	financial	financial	ADJ
fbem-1908	139	5	literacy	literacy	NOUN
fbem-1908	139	6	has	have	VERB
fbem-1908	139	7	a	a	DET
fbem-1908	139	8	negative	negative	ADJ
fbem-1908	139	9	impact	impact	NOUN
fbem-1908	139	10	on	on	ADP
fbem-1908	139	11	credit	credit	NOUN
fbem-1908	139	12	constraints	constraint	NOUN
fbem-1908	139	13	,	,	PUNCT
fbem-1908	139	14	and	and	CCONJ
fbem-1908	139	15	it	it	PRON
fbem-1908	139	16	has	have	VERB
fbem-1908	139	17	a	a	DET
fbem-1908	139	18	negative	negative	ADJ
fbem-1908	139	19	impact	impact	NOUN
fbem-1908	139	20	on	on	ADP
fbem-1908	139	21	household	household	NOUN
fbem-1908	139	22	consumption	consumption	NOUN
fbem-1908	139	23	.	.	PUNCT
fbem-1908	140	1	through	through	ADP
fbem-1908	140	2	the	the	DET
fbem-1908	140	3	transmission	transmission	NOUN
fbem-1908	140	4	of	of	ADP
fbem-1908	140	5	credit	credit	NOUN
fbem-1908	140	6	constraint	constraint	NOUN
fbem-1908	140	7	degree	degree	NOUN
fbem-1908	140	8	,	,	PUNCT
fbem-1908	140	9	the	the	DET
fbem-1908	140	10	total	total	ADJ
fbem-1908	140	11	effect	effect	NOUN
fbem-1908	140	12	of	of	ADP
fbem-1908	140	13	financial	financial	ADJ
fbem-1908	140	14	literacy	literacy	NOUN
fbem-1908	140	15	on	on	ADP
fbem-1908	140	16	household	household	NOUN
fbem-1908	140	17	consumption	consumption	NOUN
fbem-1908	140	18	was	be	AUX
fbem-1908	140	19	positive	positive	ADJ
fbem-1908	140	20	,	,	PUNCT
fbem-1908	140	21	and	and	CCONJ
fbem-1908	140	22	the	the	DET
fbem-1908	140	23	intermediary	intermediary	ADJ
fbem-1908	140	24	effect	effect	NOUN
fbem-1908	140	25	accounted	account	VERB
fbem-1908	140	26	for	for	ADP
fbem-1908	140	27	34.12	34.12	NUM
fbem-1908	140	28	%	%	NOUN
fbem-1908	140	29	of	of	ADP
fbem-1908	140	30	the	the	DET
fbem-1908	140	31	total	total	ADJ
fbem-1908	140	32	effect	effect	NOUN
fbem-1908	140	33	.	.	PUNCT
fbem-1908	141	1	table	table	NOUN
fbem-1908	141	2	6	6	NUM
fbem-1908	141	3	.	.	PUNCT
fbem-1908	142	1	financial	financial	ADJ
fbem-1908	142	2	literacy	literacy	NOUN
fbem-1908	142	3	,	,	PUNCT
fbem-1908	142	4	credit	credit	NOUN
fbem-1908	142	5	confinement	confinement	NOUN
fbem-1908	142	6	,	,	PUNCT
fbem-1908	142	7	and	and	CCONJ
fbem-1908	142	8	household	household	NOUN
fbem-1908	142	9	consumption	consumption	NOUN
fbem-1908	142	10	variable	variable	NOUN
fbem-1908	142	11	total_con	total_con	PUNCT
fbem-1908	142	12	subsistence_con	subsistence_con	X
fbem-1908	142	13	development_con	development_con	X
fbem-1908	142	14	enjoyment_con	enjoyment_con	X
fbem-1908	142	15	financial	financial	ADJ
fbem-1908	142	16	literacy	literacy	NOUN
fbem-1908	142	17	0.119	0.119	NUM
fbem-1908	142	18	*	*	PUNCT
fbem-1908	142	19	*	*	PUNCT
fbem-1908	142	20	*	*	PUNCT
fbem-1908	142	21	0.026	0.026	NUM
fbem-1908	142	22	*	*	PUNCT
fbem-1908	142	23	*	*	PUNCT
fbem-1908	142	24	*	*	PUNCT
fbem-1908	143	1	0.064	0.064	NUM
fbem-1908	143	2	*	*	PUNCT
fbem-1908	143	3	*	*	PUNCT
fbem-1908	143	4	*	*	PUNCT
fbem-1908	143	5	0.029	0.029	NUM
fbem-1908	143	6	*	*	PUNCT
fbem-1908	143	7	*	*	PUNCT
fbem-1908	143	8	*	*	PUNCT
fbem-1908	143	9	(	(	PUNCT
fbem-1908	143	10	11.21	11.21	NUM
fbem-1908	143	11	)	)	PUNCT
fbem-1908	143	12	(	(	PUNCT
fbem-1908	143	13	8.67	8.67	NUM
fbem-1908	143	14	)	)	PUNCT
fbem-1908	143	15	(	(	PUNCT
fbem-1908	143	16	11.60	11.60	NUM
fbem-1908	143	17	)	)	PUNCT
fbem-1908	143	18	(	(	PUNCT
fbem-1908	143	19	9.41	9.41	NUM
fbem-1908	143	20	)	)	PUNCT
fbem-1908	143	21	credit	credit	NOUN
fbem-1908	143	22	constraints	constraint	NOUN
fbem-1908	143	23	-7.688	-7.688	PUNCT
fbem-1908	143	24	*	*	PUNCT
fbem-1908	143	25	*	*	PUNCT
fbem-1908	143	26	*	*	PUNCT
fbem-1908	143	27	-1.979	-1.979	PUNCT
fbem-1908	143	28	*	*	PUNCT
fbem-1908	143	29	*	*	PUNCT
fbem-1908	143	30	*	*	PUNCT
fbem-1908	143	31	-4.104	-4.104	PROPN
fbem-1908	143	32	*	*	PUNCT
fbem-1908	143	33	*	*	PUNCT
fbem-1908	143	34	*	*	PUNCT
fbem-1908	143	35	-1.605	-1.605	PUNCT
fbem-1908	143	36	*	*	PUNCT
fbem-1908	143	37	*	*	PUNCT
fbem-1908	143	38	*	*	PUNCT
fbem-1908	143	39	(	(	PUNCT
fbem-1908	143	40	-168.24	-168.24	NOUN
fbem-1908	143	41	)	)	PUNCT
fbem-1908	143	42	(	(	PUNCT
fbem-1908	143	43	-150.66	-150.66	PROPN
fbem-1908	143	44	)	)	PUNCT
fbem-1908	143	45	(	(	PUNCT
fbem-1908	143	46	-172.72	-172.72	PROPN
fbem-1908	143	47	)	)	PUNCT
fbem-1908	143	48	(	(	PUNCT
fbem-1908	143	49	-122.94	-122.94	PROPN
fbem-1908	143	50	)	)	PUNCT
fbem-1908	143	51	financial	financial	ADJ
fbem-1908	143	52	literacy	literacy	NOUN
fbem-1908	143	53	*	*	PUNCT
fbem-1908	143	54	credit	credit	NOUN
fbem-1908	143	55	constraints	constraint	NOUN
fbem-1908	143	56	0.035	0.035	NUM
fbem-1908	143	57	*	*	PUNCT
fbem-1908	144	1	*	*	PUNCT
fbem-1908	144	2	*	*	PUNCT
fbem-1908	144	3	(	(	PUNCT
fbem-1908	144	4	9.93	9.93	NUM
fbem-1908	144	5	)	)	PUNCT
fbem-1908	144	6	0.008	0.008	NUM
fbem-1908	144	7	*	*	PUNCT
fbem-1908	144	8	*	*	PUNCT
fbem-1908	144	9	*	*	PUNCT
fbem-1908	144	10	(	(	PUNCT
fbem-1908	144	11	8.27	8.27	NUM
fbem-1908	144	12	)	)	PUNCT
fbem-1908	144	13	0.022	0.022	NUM
fbem-1908	144	14	*	*	PUNCT
fbem-1908	144	15	*	*	PUNCT
fbem-1908	144	16	*	*	PUNCT
fbem-1908	144	17	(	(	PUNCT
fbem-1908	144	18	11.95	11.95	NUM
fbem-1908	144	19	)	)	PUNCT
fbem-1908	144	20	0.005	0.005	NUM
fbem-1908	144	21	*	*	PUNCT
fbem-1908	144	22	*	*	PUNCT
fbem-1908	144	23	*	*	PUNCT
fbem-1908	144	24	(	(	PUNCT
fbem-1908	144	25	4.70	4.70	NUM
fbem-1908	144	26	)	)	PUNCT
fbem-1908	144	27	control	control	NOUN
fbem-1908	144	28	variables	variable	NOUN
fbem-1908	145	1	yes	yes	INTJ
fbem-1908	146	1	yes	yes	INTJ
fbem-1908	147	1	yes	yes	INTJ
fbem-1908	147	2	yes	yes	INTJ
fbem-1908	147	3	observations	observation	NOUN
fbem-1908	147	4	39，076	39，076	NUM
fbem-1908	147	5	39，076	39，076	NUM
fbem-1908	147	6	39，076	39，076	NUM
fbem-1908	147	7	39，076	39，076	NUM
fbem-1908	147	8	r	r	NOUN
fbem-1908	147	9	-	-	PUNCT
fbem-1908	147	10	squared	square	VERB
fbem-1908	147	11	0.655	0.655	NUM
fbem-1908	147	12	0.604	0.604	NUM
fbem-1908	147	13	0.664	0.664	NUM
fbem-1908	147	14	0.510	0.510	NUM
fbem-1908	147	15	note	note	NOUN
fbem-1908	147	16	:	:	PUNCT
fbem-1908	148	1	*	*	PUNCT
fbem-1908	148	2	*	*	PUNCT
fbem-1908	149	1	*	*	PUNCT
fbem-1908	149	2	,	,	PUNCT
fbem-1908	149	3	*	*	PUNCT
fbem-1908	149	4	*	*	PUNCT
fbem-1908	149	5	,	,	PUNCT
fbem-1908	149	6	and	and	CCONJ
fbem-1908	149	7	*	*	PUNCT
fbem-1908	149	8	are	be	AUX
fbem-1908	149	9	significant	significant	ADJ
fbem-1908	149	10	at	at	ADP
fbem-1908	149	11	1	1	NUM
fbem-1908	149	12	%	%	NOUN
fbem-1908	149	13	,	,	PUNCT
fbem-1908	149	14	5	5	NUM
fbem-1908	149	15	%	%	NOUN
fbem-1908	149	16	,	,	PUNCT
fbem-1908	149	17	and	and	CCONJ
fbem-1908	149	18	10	10	NUM
fbem-1908	149	19	%	%	NOUN
fbem-1908	149	20	,	,	PUNCT
fbem-1908	149	21	respectively	respectively	ADV
fbem-1908	149	22	,	,	PUNCT
fbem-1908	149	23	with	with	ADP
fbem-1908	149	24	the	the	DET
fbem-1908	149	25	t	t	NOUN
fbem-1908	149	26	-	-	PUNCT
fbem-1908	149	27	statistic	statistic	NOUN
fbem-1908	149	28	value	value	NOUN
fbem-1908	149	29	in	in	ADP
fbem-1908	149	30	parentheses	parenthesis	NOUN
fbem-1908	149	31	.	.	PUNCT
fbem-1908	150	1	61	61	NUM
fbem-1908	150	2	table	table	NOUN
fbem-1908	150	3	7	7	NUM
fbem-1908	150	4	.	.	PUNCT
fbem-1908	150	5	test	test	NOUN
fbem-1908	150	6	of	of	ADP
fbem-1908	150	7	the	the	DET
fbem-1908	150	8	mediation	mediation	NOUN
fbem-1908	150	9	effects	effect	NOUN
fbem-1908	150	10	of	of	ADP
fbem-1908	150	11	the	the	DET
fbem-1908	150	12	structural	structural	ADJ
fbem-1908	150	13	equations	equation	NOUN
fbem-1908	150	14	direct	direct	ADJ
fbem-1908	150	15	effects	effect	NOUN
fbem-1908	150	16	structural	structural	ADJ
fbem-1908	150	17	coef	coef	PROPN
fbem-1908	150	18	.	.	PUNCT
fbem-1908	151	1	std.err	std.err	NOUN
fbem-1908	151	2	.	.	PUNCT
fbem-1908	152	1	z	z	NOUN
fbem-1908	152	2	p>|z|	p>|z|	VERB
fbem-1908	152	3	[	[	X
fbem-1908	152	4	95	95	NUM
fbem-1908	152	5	%	%	NOUN
fbem-1908	152	6	conf.interval	conf.interval	NOUN
fbem-1908	152	7	]	]	PUNCT
fbem-1908	152	8	family	family	NOUN
fbem-1908	152	9	consumption	consumption	NOUN
fbem-1908	152	10	credit	credit	NOUN
fbem-1908	152	11	constraints	constraint	NOUN
fbem-1908	152	12	-0.023	-0.023	NOUN
fbem-1908	152	13	0.006	0.006	NUM
fbem-1908	152	14	-3.950	-3.950	NUM
fbem-1908	152	15	0.000	0.000	NUM
fbem-1908	152	16	-0.0345	-0.0345	NUM
fbem-1908	152	17	-0.012	-0.012	VERB
fbem-1908	152	18	financial	financial	ADJ
fbem-1908	152	19	literacy	literacy	NOUN
fbem-1908	152	20	0.056	0.056	NUM
fbem-1908	152	21	0.008	0.008	NUM
fbem-1908	152	22	6.660	6.660	NUM
fbem-1908	152	23	0.000	0.000	NUM
fbem-1908	152	24	0.039	0.039	NUM
fbem-1908	152	25	0.072	0.072	NUM
fbem-1908	152	26	credit	credit	NOUN
fbem-1908	152	27	constraints	constraint	NOUN
fbem-1908	152	28	financial	financial	ADJ
fbem-1908	152	29	literacy	literacy	NOUN
fbem-1908	152	30	-1.26	-1.26	NUM
fbem-1908	152	31	0.003	0.003	NUM
fbem-1908	152	32	-422.300	-422.300	NUM
fbem-1908	152	33	0.000	0.000	NUM
fbem-1908	152	34	-1.270	-1.270	PUNCT
fbem-1908	152	35	-1.259	-1.259	NOUN
fbem-1908	152	36	in	in	ADP
fbem-1908	152	37	direct	direct	ADJ
fbem-1908	152	38	effects	effect	NOUN
fbem-1908	152	39	family	family	NOUN
fbem-1908	152	40	consumption	consumption	NOUN
fbem-1908	152	41	credit	credit	NOUN
fbem-1908	152	42	constraints	constraint	NOUN
fbem-1908	152	43	0	0	NUM
fbem-1908	153	1	(	(	PUNCT
fbem-1908	153	2	no	no	DET
fbem-1908	153	3	path	path	NOUN
fbem-1908	153	4	)	)	PUNCT
fbem-1908	153	5	financial	financial	ADJ
fbem-1908	153	6	literacy	literacy	NOUN
fbem-1908	153	7	0.029	0.029	NUM
fbem-1908	153	8	0.007	0.007	NUM
fbem-1908	153	9	3.95	3.95	NUM
fbem-1908	153	10	0.000	0.000	NUM
fbem-1908	153	11	0.015	0.015	NUM
fbem-1908	153	12	0.044	0.044	NUM
fbem-1908	153	13	credit	credit	NOUN
fbem-1908	153	14	constraints	constraint	NOUN
fbem-1908	153	15	financial	financial	ADJ
fbem-1908	153	16	literacy	literacy	NOUN
fbem-1908	153	17	0	0	PUNCT
fbem-1908	154	1	(	(	PUNCT
fbem-1908	154	2	no	no	DET
fbem-1908	154	3	path	path	NOUN
fbem-1908	154	4	)	)	PUNCT
fbem-1908	154	5	4.4	4.4	NUM
fbem-1908	154	6	.	.	PUNCT
fbem-1908	155	1	the	the	DET
fbem-1908	155	2	regulatory	regulatory	ADJ
fbem-1908	155	3	effect	effect	NOUN
fbem-1908	155	4	of	of	ADP
fbem-1908	155	5	digital	digital	ADJ
fbem-1908	155	6	finance	finance	NOUN
fbem-1908	155	7	on	on	ADP
fbem-1908	155	8	household	household	NOUN
fbem-1908	155	9	consumption	consumption	NOUN
fbem-1908	155	10	in	in	ADP
fbem-1908	155	11	order	order	NOUN
fbem-1908	155	12	to	to	PART
fbem-1908	155	13	verify	verify	VERB
fbem-1908	155	14	the	the	DET
fbem-1908	155	15	regulatory	regulatory	ADJ
fbem-1908	155	16	effect	effect	NOUN
fbem-1908	155	17	of	of	ADP
fbem-1908	155	18	digital	digital	ADJ
fbem-1908	155	19	finance	finance	NOUN
fbem-1908	155	20	on	on	ADP
fbem-1908	155	21	household	household	NOUN
fbem-1908	155	22	consumption	consumption	NOUN
fbem-1908	155	23	,	,	PUNCT
fbem-1908	155	24	according	accord	VERB
fbem-1908	155	25	to	to	ADP
fbem-1908	155	26	the	the	DET
fbem-1908	155	27	regulatory	regulatory	ADJ
fbem-1908	155	28	effect	effect	NOUN
fbem-1908	155	29	test	test	NOUN
fbem-1908	155	30	model	model	NOUN
fbem-1908	155	31	,	,	PUNCT
fbem-1908	155	32	the	the	DET
fbem-1908	155	33	anterior	anterior	ADJ
fbem-1908	155	34	segment	segment	NOUN
fbem-1908	155	35	and	and	CCONJ
fbem-1908	155	36	the	the	DET
fbem-1908	155	37	posterior	posterior	ADJ
fbem-1908	155	38	segment	segment	NOUN
fbem-1908	155	39	regulation	regulation	NOUN
fbem-1908	155	40	are	be	AUX
fbem-1908	155	41	tested	test	VERB
fbem-1908	155	42	respectively	respectively	ADV
fbem-1908	155	43	,	,	PUNCT
fbem-1908	155	44	and	and	CCONJ
fbem-1908	155	45	then	then	ADV
fbem-1908	155	46	the	the	DET
fbem-1908	155	47	regulatory	regulatory	ADJ
fbem-1908	155	48	effect	effect	NOUN
fbem-1908	155	49	of	of	ADP
fbem-1908	155	50	the	the	DET
fbem-1908	155	51	whole	whole	ADJ
fbem-1908	155	52	path	path	NOUN
fbem-1908	155	53	is	be	AUX
fbem-1908	155	54	obtained	obtain	VERB
fbem-1908	155	55	.	.	PUNCT
fbem-1908	156	1	as	as	SCONJ
fbem-1908	156	2	can	can	AUX
fbem-1908	156	3	be	be	AUX
fbem-1908	156	4	seen	see	VERB
fbem-1908	156	5	from	from	ADP
fbem-1908	156	6	table	table	NOUN
fbem-1908	156	7	8	8	NUM
fbem-1908	156	8	,	,	PUNCT
fbem-1908	156	9	the	the	DET
fbem-1908	156	10	results	result	NOUN
fbem-1908	156	11	of	of	ADP
fbem-1908	156	12	financial	financial	ADJ
fbem-1908	156	13	literacy	literacy	NOUN
fbem-1908	156	14	and	and	CCONJ
fbem-1908	156	15	digital	digital	ADJ
fbem-1908	156	16	financial	financial	ADJ
fbem-1908	156	17	interaction	interaction	NOUN
fbem-1908	156	18	term	term	NOUN
fbem-1908	156	19	are	be	AUX
fbem-1908	156	20	significant	significant	ADJ
fbem-1908	156	21	,	,	PUNCT
fbem-1908	156	22	indicating	indicate	VERB
fbem-1908	156	23	that	that	SCONJ
fbem-1908	156	24	digital	digital	ADJ
fbem-1908	156	25	finance	finance	NOUN
fbem-1908	156	26	has	have	VERB
fbem-1908	156	27	a	a	DET
fbem-1908	156	28	regulatory	regulatory	ADJ
fbem-1908	156	29	effect	effect	NOUN
fbem-1908	156	30	in	in	ADP
fbem-1908	156	31	the	the	DET
fbem-1908	156	32	previous	previous	ADJ
fbem-1908	156	33	adjustment	adjustment	NOUN
fbem-1908	156	34	path	path	NOUN
fbem-1908	156	35	;	;	PUNCT
fbem-1908	156	36	the	the	DET
fbem-1908	156	37	interaction	interaction	NOUN
fbem-1908	156	38	term	term	NOUN
fbem-1908	156	39	of	of	ADP
fbem-1908	156	40	credit	credit	NOUN
fbem-1908	156	41	constraint	constraint	NOUN
fbem-1908	156	42	and	and	CCONJ
fbem-1908	156	43	digital	digital	ADJ
fbem-1908	156	44	financial	financial	ADJ
fbem-1908	156	45	term	term	NOUN
fbem-1908	156	46	is	be	AUX
fbem-1908	156	47	significant	significant	ADJ
fbem-1908	156	48	,	,	PUNCT
fbem-1908	156	49	indicating	indicate	VERB
fbem-1908	156	50	that	that	SCONJ
fbem-1908	156	51	there	there	PRON
fbem-1908	156	52	is	be	VERB
fbem-1908	156	53	also	also	ADV
fbem-1908	156	54	a	a	DET
fbem-1908	156	55	regulatory	regulatory	ADJ
fbem-1908	156	56	effect	effect	NOUN
fbem-1908	156	57	in	in	ADP
fbem-1908	156	58	the	the	DET
fbem-1908	156	59	later	later	ADJ
fbem-1908	156	60	adjustment	adjustment	NOUN
fbem-1908	156	61	path	path	NOUN
fbem-1908	156	62	of	of	ADP
fbem-1908	156	63	digital	digital	ADJ
fbem-1908	156	64	finance	finance	NOUN
fbem-1908	156	65	.	.	PUNCT
fbem-1908	157	1	in	in	ADP
fbem-1908	157	2	conclusion	conclusion	NOUN
fbem-1908	157	3	,	,	PUNCT
fbem-1908	157	4	digital	digital	ADJ
fbem-1908	157	5	finance	finance	NOUN
fbem-1908	157	6	has	have	VERB
fbem-1908	157	7	a	a	DET
fbem-1908	157	8	regulatory	regulatory	ADJ
fbem-1908	157	9	effect	effect	NOUN
fbem-1908	157	10	in	in	ADP
fbem-1908	157	11	the	the	DET
fbem-1908	157	12	intermediary	intermediary	ADJ
fbem-1908	157	13	effect	effect	NOUN
fbem-1908	157	14	of	of	ADP
fbem-1908	157	15	credit	credit	NOUN
fbem-1908	157	16	constraint	constraint	NOUN
fbem-1908	157	17	,	,	PUNCT
fbem-1908	157	18	which	which	PRON
fbem-1908	157	19	proves	prove	VERB
fbem-1908	157	20	the	the	DET
fbem-1908	157	21	establishment	establishment	NOUN
fbem-1908	157	22	of	of	ADP
fbem-1908	157	23	hypothesis	hypothesis	NOUN
fbem-1908	157	24	3	3	NUM
fbem-1908	157	25	.	.	PUNCT
fbem-1908	157	26	table	table	NOUN
fbem-1908	157	27	8	8	NUM
fbem-1908	157	28	.	.	PUNCT
fbem-1908	158	1	test	test	NOUN
fbem-1908	158	2	of	of	ADP
fbem-1908	158	3	digital	digital	ADJ
fbem-1908	158	4	financial	financial	ADJ
fbem-1908	158	5	regulation	regulation	NOUN
fbem-1908	158	6	effect	effect	VERB
fbem-1908	158	7	structural	structural	ADJ
fbem-1908	158	8	coef	coef	PROPN
fbem-1908	158	9	.	.	PUNCT
fbem-1908	159	1	std.err	std.err	NOUN
fbem-1908	159	2	.	.	PUNCT
fbem-1908	160	1	z	z	NOUN
fbem-1908	160	2	p>|z|	p>|z|	VERB
fbem-1908	160	3	[	[	X
fbem-1908	160	4	95	95	NUM
fbem-1908	160	5	%	%	NOUN
fbem-1908	160	6	conf.interval	conf.interval	NOUN
fbem-1908	160	7	]	]	X
fbem-1908	160	8	digital	digital	ADJ
fbem-1908	160	9	finance	finance	NOUN
fbem-1908	160	10	-0.001	-0.001	PUNCT
fbem-1908	160	11	0.001	0.001	NUM
fbem-1908	160	12	4.490	4.490	NUM
fbem-1908	160	13	0.000	0.000	NUM
fbem-1908	160	14	0.001	0.001	NUM
fbem-1908	160	15	financial	financial	ADJ
fbem-1908	160	16	literacy	literacy	NOUN
fbem-1908	160	17	-0.777	-0.777	PUNCT
fbem-1908	161	1	0.000	0.000	NUM
fbem-1908	161	2	836.760	836.760	NUM
fbem-1908	161	3	0.000	0.000	NUM
fbem-1908	161	4	0.775	0.775	NUM
fbem-1908	161	5	(	(	PUNCT
fbem-1908	161	6	digital	digital	ADJ
fbem-1908	161	7	finance	finance	NOUN
fbem-1908	161	8	*	*	PUNCT
fbem-1908	161	9	financial	financial	ADJ
fbem-1908	161	10	literacy	literacy	NOUN
fbem-1908	161	11	)	)	PUNCT
fbem-1908	161	12	-0.004	-0.004	PUNCT
fbem-1908	162	1	0.001	0.001	NUM
fbem-1908	162	2	-5.320	-5.320	NUM
fbem-1908	162	3	0.000	0.000	NUM
fbem-1908	162	4	-0.006	-0.006	PROPN
fbem-1908	162	5	credit	credit	NOUN
fbem-1908	162	6	constraints	constraint	NOUN
fbem-1908	162	7	-0.008	-0.008	PUNCT
fbem-1908	162	8	0.002	0.002	NUM
fbem-1908	162	9	-5.590	-5.590	SYM
fbem-1908	162	10	0.000	0.000	NUM
fbem-1908	162	11	-0.011	-0.011	PRON
fbem-1908	162	12	digital	digital	ADJ
fbem-1908	162	13	finance	finance	NOUN
fbem-1908	162	14	0.789	0.789	NUM
fbem-1908	162	15	0.005	0.005	NUM
fbem-1908	162	16	149.390	149.390	NUM
fbem-1908	162	17	0.000	0.000	NUM
fbem-1908	162	18	0.778	0.778	NUM
fbem-1908	162	19	(	(	PUNCT
fbem-1908	162	20	credit	credit	NOUN
fbem-1908	162	21	constraints	constraint	NOUN
fbem-1908	162	22	*	*	PUNCT
fbem-1908	162	23	digital	digital	ADJ
fbem-1908	162	24	finance	finance	NOUN
fbem-1908	162	25	)	)	PUNCT
fbem-1908	162	26	-0.036	-0.036	PROPN
fbem-1908	162	27	0.006	0.006	NUM
fbem-1908	162	28	-6.090	-6.090	NUM
fbem-1908	162	29	0.000	0.000	NUM
fbem-1908	162	30	-0.048	-0.048	NUM
fbem-1908	162	31	4.5	4.5	NUM
fbem-1908	162	32	.	.	PUNCT
fbem-1908	163	1	robustness	robustness	NOUN
fbem-1908	163	2	test	test	NOUN
fbem-1908	163	3	to	to	PART
fbem-1908	163	4	test	test	VERB
fbem-1908	163	5	the	the	DET
fbem-1908	163	6	robustness	robustness	NOUN
fbem-1908	163	7	of	of	ADP
fbem-1908	163	8	the	the	DET
fbem-1908	163	9	analysis	analysis	NOUN
fbem-1908	163	10	results	result	NOUN
fbem-1908	164	1	,	,	PUNCT
fbem-1908	164	2	this	this	DET
fbem-1908	164	3	paper	paper	NOUN
fbem-1908	164	4	continues	continue	VERB
fbem-1908	164	5	to	to	PART
fbem-1908	164	6	take	take	VERB
fbem-1908	164	7	the	the	DET
fbem-1908	164	8	total	total	ADJ
fbem-1908	164	9	household	household	NOUN
fbem-1908	164	10	consumption	consumption	NOUN
fbem-1908	164	11	expenditure	expenditure	NOUN
fbem-1908	164	12	per	per	ADP
fbem-1908	164	13	capita	capita	NOUN
fbem-1908	164	14	,	,	PUNCT
fbem-1908	164	15	the	the	DET
fbem-1908	164	16	household	household	NOUN
fbem-1908	164	17	survival	survival	NOUN
fbem-1908	164	18	,	,	PUNCT
fbem-1908	164	19	developmental	developmental	ADJ
fbem-1908	164	20	and	and	CCONJ
fbem-1908	164	21	enjoyment	enjoyment	NOUN
fbem-1908	164	22	consumption	consumption	NOUN
fbem-1908	164	23	expenditure	expenditure	NOUN
fbem-1908	164	24	per	per	ADP
fbem-1908	164	25	capita	capita	NOUN
fbem-1908	164	26	as	as	ADP
fbem-1908	164	27	explanatory	explanatory	ADJ
fbem-1908	164	28	variables	variable	NOUN
fbem-1908	164	29	,	,	PUNCT
fbem-1908	164	30	and	and	CCONJ
fbem-1908	164	31	the	the	DET
fbem-1908	164	32	interaction	interaction	NOUN
fbem-1908	164	33	terms	term	NOUN
fbem-1908	164	34	of	of	ADP
fbem-1908	164	35	the	the	DET
fbem-1908	164	36	financial	financial	ADJ
fbem-1908	164	37	literacy	literacy	NOUN
fbem-1908	164	38	index	index	NOUN
fbem-1908	164	39	,	,	PUNCT
fbem-1908	164	40	financial	financial	ADJ
fbem-1908	164	41	literacy	literacy	NOUN
fbem-1908	164	42	and	and	CCONJ
fbem-1908	164	43	credit	credit	NOUN
fbem-1908	164	44	constraints	constraint	NOUN
fbem-1908	164	45	as	as	ADP
fbem-1908	164	46	explanatory	explanatory	ADJ
fbem-1908	164	47	variables	variable	NOUN
fbem-1908	164	48	.	.	PUNCT
fbem-1908	165	1	the	the	DET
fbem-1908	165	2	tool	tool	NOUN
fbem-1908	165	3	variable	variable	NOUN
fbem-1908	165	4	selected	select	VERB
fbem-1908	165	5	in	in	ADP
fbem-1908	165	6	this	this	DET
fbem-1908	165	7	paper	paper	NOUN
fbem-1908	165	8	is	be	AUX
fbem-1908	165	9	the	the	DET
fbem-1908	165	10	education	education	NOUN
fbem-1908	165	11	level	level	NOUN
fbem-1908	165	12	of	of	ADP
fbem-1908	165	13	the	the	DET
fbem-1908	165	14	head	head	NOUN
fbem-1908	165	15	,	,	PUNCT
fbem-1908	165	16	because	because	SCONJ
fbem-1908	165	17	the	the	DET
fbem-1908	165	18	level	level	NOUN
fbem-1908	165	19	of	of	ADP
fbem-1908	165	20	a	a	DET
fbem-1908	165	21	person	person	NOUN
fbem-1908	165	22	's	's	PART
fbem-1908	165	23	financial	financial	ADJ
fbem-1908	165	24	literacy	literacy	NOUN
fbem-1908	165	25	is	be	AUX
fbem-1908	165	26	proportional	proportional	ADJ
fbem-1908	165	27	to	to	ADP
fbem-1908	165	28	its	its	PRON
fbem-1908	165	29	educational	educational	ADJ
fbem-1908	165	30	level[31	level[31	NOUN
fbem-1908	165	31	]	]	X
fbem-1908	165	32	,	,	PUNCT
fbem-1908	165	33	financial	financial	ADJ
fbem-1908	165	34	literacy	literacy	NOUN
fbem-1908	165	35	can	can	AUX
fbem-1908	165	36	be	be	AUX
fbem-1908	165	37	roughly	roughly	ADV
fbem-1908	165	38	replaced	replace	VERB
fbem-1908	165	39	by	by	ADP
fbem-1908	165	40	the	the	DET
fbem-1908	165	41	educational	educational	ADJ
fbem-1908	165	42	level	level	NOUN
fbem-1908	165	43	of	of	ADP
fbem-1908	165	44	users	user	NOUN
fbem-1908	165	45	.	.	PUNCT
fbem-1908	166	1	the	the	DET
fbem-1908	166	2	results	result	NOUN
fbem-1908	166	3	find	find	VERB
fbem-1908	166	4	that	that	SCONJ
fbem-1908	166	5	it	it	PRON
fbem-1908	166	6	has	have	VERB
fbem-1908	166	7	a	a	DET
fbem-1908	166	8	significant	significant	ADJ
fbem-1908	166	9	positive	positive	ADJ
fbem-1908	166	10	regression	regression	NOUN
fbem-1908	166	11	relationship	relationship	NOUN
fbem-1908	166	12	with	with	ADP
fbem-1908	166	13	the	the	DET
fbem-1908	166	14	interaction	interaction	NOUN
fbem-1908	166	15	terms	term	NOUN
fbem-1908	166	16	of	of	ADP
fbem-1908	166	17	financial	financial	ADJ
fbem-1908	166	18	literacy	literacy	NOUN
fbem-1908	166	19	and	and	CCONJ
fbem-1908	166	20	credit	credit	NOUN
fbem-1908	166	21	constraints	constraint	NOUN
fbem-1908	166	22	,	,	PUNCT
fbem-1908	166	23	indicating	indicate	VERB
fbem-1908	166	24	that	that	SCONJ
fbem-1908	166	25	it	it	PRON
fbem-1908	166	26	is	be	AUX
fbem-1908	166	27	suitable	suitable	ADJ
fbem-1908	166	28	as	as	ADP
fbem-1908	166	29	a	a	DET
fbem-1908	166	30	tool	tool	NOUN
fbem-1908	166	31	variable	variable	NOUN
fbem-1908	166	32	.	.	PUNCT
fbem-1908	167	1	as	as	SCONJ
fbem-1908	167	2	can	can	AUX
fbem-1908	167	3	be	be	AUX
fbem-1908	167	4	seen	see	VERB
fbem-1908	167	5	from	from	ADP
fbem-1908	167	6	table	table	NOUN
fbem-1908	167	7	9	9	NUM
fbem-1908	167	8	,	,	PUNCT
fbem-1908	167	9	at	at	ADP
fbem-1908	167	10	the	the	DET
fbem-1908	167	11	significance	significance	NOUN
fbem-1908	167	12	level	level	NOUN
fbem-1908	167	13	of	of	ADP
fbem-1908	167	14	10	10	NUM
fbem-1908	167	15	%	%	NOUN
fbem-1908	167	16	,	,	PUNCT
fbem-1908	167	17	the	the	DET
fbem-1908	167	18	financial	financial	ADJ
fbem-1908	167	19	literacy	literacy	NOUN
fbem-1908	167	20	index	index	NOUN
fbem-1908	167	21	has	have	VERB
fbem-1908	167	22	a	a	DET
fbem-1908	167	23	positive	positive	ADJ
fbem-1908	167	24	and	and	CCONJ
fbem-1908	167	25	significant	significant	ADJ
fbem-1908	167	26	regression	regression	NOUN
fbem-1908	167	27	to	to	ADP
fbem-1908	167	28	the	the	DET
fbem-1908	167	29	total	total	ADJ
fbem-1908	167	30	household	household	NOUN
fbem-1908	167	31	per	per	ADP
fbem-1908	167	32	capita	capita	X
fbem-1908	167	33	consumption	consumption	NOUN
fbem-1908	167	34	expenditure	expenditure	NOUN
fbem-1908	167	35	,	,	PUNCT
fbem-1908	167	36	the	the	DET
fbem-1908	167	37	household	household	NOUN
fbem-1908	167	38	per	per	ADP
fbem-1908	167	39	capita	capita	X
fbem-1908	167	40	survival	survival	NOUN
fbem-1908	167	41	expenditure	expenditure	NOUN
fbem-1908	167	42	,	,	PUNCT
fbem-1908	167	43	development	development	NOUN
fbem-1908	167	44	type	type	NOUN
fbem-1908	167	45	and	and	CCONJ
fbem-1908	167	46	enjoyment	enjoyment	NOUN
fbem-1908	167	47	consumption	consumption	NOUN
fbem-1908	167	48	expenditure	expenditure	NOUN
fbem-1908	167	49	.	.	PUNCT
fbem-1908	168	1	table	table	NOUN
fbem-1908	168	2	9	9	NUM
fbem-1908	168	3	.	.	PUNCT
fbem-1908	169	1	results	result	NOUN
fbem-1908	169	2	of	of	ADP
fbem-1908	169	3	the	the	DET
fbem-1908	169	4	robustness	robustness	NOUN
fbem-1908	169	5	test	test	NOUN
fbem-1908	169	6	regression	regression	NOUN
fbem-1908	169	7	variable	variable	NOUN
fbem-1908	169	8	total_con	total_con	X
fbem-1908	169	9	subsistence_con	subsistence_con	X
fbem-1908	169	10	development_con	development_con	X
fbem-1908	169	11	enjoyment_con	enjoyment_con	X
fbem-1908	169	12	financial	financial	ADJ
fbem-1908	169	13	literacy	literacy	NOUN
fbem-1908	169	14	*	*	PUNCT
fbem-1908	169	15	credit	credit	NOUN
fbem-1908	169	16	constraints	constraint	NOUN
fbem-1908	169	17	-1.244	-1.244	ADP
fbem-1908	169	18	*	*	PUNCT
fbem-1908	169	19	*	*	PUNCT
fbem-1908	169	20	*	*	PUNCT
fbem-1908	169	21	-0.264	-0.264	VERB
fbem-1908	169	22	*	*	PUNCT
fbem-1908	169	23	*	*	PUNCT
fbem-1908	169	24	*	*	PUNCT
fbem-1908	170	1	-0.690	-0.690	PUNCT
fbem-1908	170	2	*	*	PUNCT
fbem-1908	170	3	*	*	PUNCT
fbem-1908	170	4	*	*	PUNCT
fbem-1908	171	1	-0.289	-0.289	PUNCT
fbem-1908	171	2	*	*	PUNCT
fbem-1908	171	3	*	*	PUNCT
fbem-1908	171	4	*	*	PUNCT
fbem-1908	171	5	(	(	PUNCT
fbem-1908	171	6	0.033	0.033	NUM
fbem-1908	171	7	)	)	PUNCT
fbem-1908	171	8	(	(	PUNCT
fbem-1908	171	9	0.007	0.007	NUM
fbem-1908	171	10	)	)	PUNCT
fbem-1908	171	11	(	(	PUNCT
fbem-1908	171	12	0.018	0.018	NUM
fbem-1908	171	13	)	)	PUNCT
fbem-1908	171	14	(	(	PUNCT
fbem-1908	171	15	0.008	0.008	NUM
fbem-1908	171	16	)	)	PUNCT
fbem-1908	171	17	financial	financial	ADJ
fbem-1908	171	18	literacy	literacy	NOUN
fbem-1908	171	19	index	index	NOUN
fbem-1908	171	20	0.608	0.608	NUM
fbem-1908	171	21	*	*	PUNCT
fbem-1908	171	22	*	*	PUNCT
fbem-1908	171	23	*	*	PUNCT
fbem-1908	171	24	0.128	0.128	NUM
fbem-1908	171	25	*	*	PUNCT
fbem-1908	171	26	*	*	PUNCT
fbem-1908	171	27	*	*	PUNCT
fbem-1908	171	28	0.340	0.340	NUM
fbem-1908	171	29	*	*	PUNCT
fbem-1908	171	30	*	*	PUNCT
fbem-1908	171	31	*	*	PUNCT
fbem-1908	171	32	0.140	0.140	NUM
fbem-1908	171	33	*	*	PUNCT
fbem-1908	171	34	*	*	PUNCT
fbem-1908	171	35	*	*	PUNCT
fbem-1908	171	36	(	(	PUNCT
fbem-1908	171	37	0.013	0.013	NUM
fbem-1908	171	38	)	)	PUNCT
fbem-1908	171	39	(	(	PUNCT
fbem-1908	171	40	0.003	0.003	NUM
fbem-1908	171	41	)	)	PUNCT
fbem-1908	171	42	(	(	PUNCT
fbem-1908	171	43	0.008	0.008	NUM
fbem-1908	171	44	)	)	PUNCT
fbem-1908	171	45	(	(	PUNCT
fbem-1908	171	46	0.003	0.003	NUM
fbem-1908	171	47	)	)	PUNCT
fbem-1908	171	48	controlled	control	VERB
fbem-1908	171	49	variable	variable	NOUN
fbem-1908	171	50	controlled	control	VERB
fbem-1908	171	51	controlled	control	VERB
fbem-1908	171	52	controlled	control	VERB
fbem-1908	171	53	controlled	control	VERB
fbem-1908	171	54	observations	observation	NOUN
fbem-1908	172	1	50，476	50，476	NUM
fbem-1908	172	2	50，476	50，476	NUM
fbem-1908	172	3	50，476	50，476	NUM
fbem-1908	172	4	50，476	50，476	NUM
fbem-1908	172	5	r	r	NOUN
fbem-1908	172	6	-	-	PUNCT
fbem-1908	172	7	squared	square	VERB
fbem-1908	172	8	0.710	0.710	NUM
fbem-1908	172	9	0.668	0.668	NUM
fbem-1908	172	10	0.720	0.720	NUM
fbem-1908	172	11	0.590	0.590	NUM
fbem-1908	172	12	dwh	dwh	NOUN
fbem-1908	172	13	checkout	checkout	NOUN
fbem-1908	172	14	218.481	218.481	NUM
fbem-1908	172	15	p=0.0000	p=0.0000	NOUN
fbem-1908	172	16	260.944	260.944	NUM
fbem-1908	172	17	p=0.0000	p=0.0000	NOUN
fbem-1908	172	18	201.392	201.392	NUM
fbem-1908	172	19	p=0.0000	p=0.0000	PROPN
fbem-1908	172	20	216.917	216.917	NUM
fbem-1908	172	21	p=0.0000	p=0.0000	NOUN
fbem-1908	172	22	note	note	NOUN
fbem-1908	172	23	:	:	PUNCT
fbem-1908	172	24	*	*	PUNCT
fbem-1908	172	25	*	*	PUNCT
fbem-1908	173	1	*	*	PUNCT
fbem-1908	173	2	,	,	PUNCT
fbem-1908	173	3	*	*	PUNCT
fbem-1908	173	4	*	*	PUNCT
fbem-1908	173	5	,	,	PUNCT
fbem-1908	173	6	and	and	CCONJ
fbem-1908	173	7	*	*	PUNCT
fbem-1908	173	8	are	be	AUX
fbem-1908	173	9	significant	significant	ADJ
fbem-1908	173	10	at	at	ADP
fbem-1908	173	11	1	1	NUM
fbem-1908	173	12	%	%	NOUN
fbem-1908	173	13	,	,	PUNCT
fbem-1908	173	14	5	5	NUM
fbem-1908	173	15	%	%	NOUN
fbem-1908	173	16	,	,	PUNCT
fbem-1908	173	17	and	and	CCONJ
fbem-1908	173	18	10	10	NUM
fbem-1908	173	19	%	%	NOUN
fbem-1908	173	20	,	,	PUNCT
fbem-1908	173	21	respectively	respectively	ADV
fbem-1908	173	22	,	,	PUNCT
fbem-1908	173	23	with	with	ADP
fbem-1908	173	24	values	value	NOUN
fbem-1908	173	25	which	which	PRON
fbem-1908	173	26	are	be	AUX
fbem-1908	173	27	robust	robust	ADJ
fbem-1908	173	28	standard	standard	ADJ
fbem-1908	173	29	deviations	deviation	NOUN
fbem-1908	173	30	in	in	ADP
fbem-1908	173	31	parentheses	parenthesis	NOUN
fbem-1908	173	32	.	.	PUNCT
fbem-1908	174	1	62	62	NUM
fbem-1908	174	2	5	5	NUM
fbem-1908	174	3	.	.	PUNCT
fbem-1908	174	4	conclusions	conclusion	NOUN
fbem-1908	174	5	and	and	CCONJ
fbem-1908	174	6	suggestions	suggestion	NOUN
fbem-1908	174	7	5.1	5.1	NUM
fbem-1908	174	8	.	.	PUNCT
fbem-1908	175	1	conclusion	conclusion	NOUN
fbem-1908	175	2	this	this	DET
fbem-1908	175	3	paper	paper	NOUN
fbem-1908	175	4	uses	use	VERB
fbem-1908	175	5	2017	2017	NUM
fbem-1908	175	6	data	datum	NOUN
fbem-1908	175	7	from	from	ADP
fbem-1908	175	8	a	a	DET
fbem-1908	175	9	total	total	NOUN
fbem-1908	175	10	of	of	ADP
fbem-1908	175	11	39,076	39,076	NUM
fbem-1908	175	12	questionnaires	questionnaire	NOUN
fbem-1908	175	13	.	.	PUNCT
fbem-1908	176	1	financial	financial	ADJ
fbem-1908	176	2	literacy	literacy	NOUN
fbem-1908	176	3	indicators	indicator	NOUN
fbem-1908	176	4	are	be	AUX
fbem-1908	176	5	constructed	construct	VERB
fbem-1908	176	6	,	,	PUNCT
fbem-1908	176	7	using	use	VERB
fbem-1908	176	8	the	the	DET
fbem-1908	176	9	ordinary	ordinary	ADJ
fbem-1908	176	10	least	least	ADJ
fbem-1908	176	11	squares	square	NOUN
fbem-1908	176	12	method	method	NOUN
fbem-1908	176	13	,	,	PUNCT
fbem-1908	176	14	the	the	DET
fbem-1908	176	15	factor	factor	NOUN
fbem-1908	176	16	analysis	analysis	NOUN
fbem-1908	176	17	principal	principal	ADJ
fbem-1908	176	18	component	component	NOUN
fbem-1908	176	19	analysis	analysis	NOUN
fbem-1908	176	20	method	method	NOUN
fbem-1908	176	21	,	,	PUNCT
fbem-1908	176	22	and	and	CCONJ
fbem-1908	176	23	the	the	DET
fbem-1908	176	24	structural	structural	ADJ
fbem-1908	176	25	equation	equation	NOUN
fbem-1908	176	26	intermediary	intermediary	ADJ
fbem-1908	176	27	effect	effect	NOUN
fbem-1908	176	28	model	model	NOUN
fbem-1908	176	29	for	for	ADP
fbem-1908	176	30	empirical	empirical	ADJ
fbem-1908	176	31	analysis	analysis	NOUN
fbem-1908	176	32	.	.	PUNCT
fbem-1908	177	1	the	the	DET
fbem-1908	177	2	study	study	NOUN
fbem-1908	177	3	results	result	NOUN
fbem-1908	177	4	show	show	VERB
fbem-1908	177	5	that	that	SCONJ
fbem-1908	177	6	the	the	DET
fbem-1908	177	7	:	:	PUNCT
fbem-1908	177	8	(	(	PUNCT
fbem-1908	177	9	1	1	X
fbem-1908	177	10	)	)	PUNCT
fbem-1908	177	11	financial	financial	ADJ
fbem-1908	177	12	literacy	literacy	NOUN
fbem-1908	177	13	has	have	VERB
fbem-1908	177	14	a	a	DET
fbem-1908	177	15	significant	significant	ADJ
fbem-1908	177	16	impact	impact	NOUN
fbem-1908	177	17	on	on	ADP
fbem-1908	177	18	household	household	NOUN
fbem-1908	177	19	consumption	consumption	NOUN
fbem-1908	177	20	,	,	PUNCT
fbem-1908	177	21	and	and	CCONJ
fbem-1908	177	22	financial	financial	ADJ
fbem-1908	177	23	literacy	literacy	NOUN
fbem-1908	177	24	has	have	VERB
fbem-1908	177	25	a	a	DET
fbem-1908	177	26	different	different	ADJ
fbem-1908	177	27	degree	degree	NOUN
fbem-1908	177	28	of	of	ADP
fbem-1908	177	29	significant	significant	ADJ
fbem-1908	177	30	positive	positive	ADJ
fbem-1908	177	31	impact	impact	NOUN
fbem-1908	177	32	on	on	ADP
fbem-1908	177	33	the	the	DET
fbem-1908	177	34	different	different	ADJ
fbem-1908	177	35	structures	structure	NOUN
fbem-1908	177	36	of	of	ADP
fbem-1908	177	37	household	household	NOUN
fbem-1908	177	38	consumption	consumption	NOUN
fbem-1908	177	39	.	.	PUNCT
fbem-1908	178	1	(	(	PUNCT
fbem-1908	178	2	2	2	X
fbem-1908	178	3	)	)	PUNCT
fbem-1908	178	4	credit	credit	NOUN
fbem-1908	178	5	constraint	constraint	NOUN
fbem-1908	178	6	has	have	VERB
fbem-1908	178	7	an	an	DET
fbem-1908	178	8	obvious	obvious	ADJ
fbem-1908	178	9	intermediary	intermediary	ADJ
fbem-1908	178	10	role	role	NOUN
fbem-1908	178	11	between	between	ADP
fbem-1908	178	12	financial	financial	ADJ
fbem-1908	178	13	literacy	literacy	NOUN
fbem-1908	178	14	and	and	CCONJ
fbem-1908	178	15	household	household	NOUN
fbem-1908	178	16	consumption	consumption	NOUN
fbem-1908	178	17	.	.	PUNCT
fbem-1908	179	1	credit	credit	NOUN
fbem-1908	179	2	constraint	constraint	NOUN
fbem-1908	179	3	will	will	AUX
fbem-1908	179	4	reduce	reduce	VERB
fbem-1908	179	5	household	household	NOUN
fbem-1908	179	6	consumption	consumption	NOUN
fbem-1908	179	7	and	and	CCONJ
fbem-1908	179	8	influence	influence	VERB
fbem-1908	179	9	different	different	ADJ
fbem-1908	179	10	household	household	NOUN
fbem-1908	179	11	consumption	consumption	NOUN
fbem-1908	179	12	structures	structure	NOUN
fbem-1908	179	13	under	under	ADP
fbem-1908	179	14	certain	certain	ADJ
fbem-1908	179	15	significant	significant	ADJ
fbem-1908	179	16	conditions	condition	NOUN
fbem-1908	179	17	.	.	PUNCT
fbem-1908	180	1	(	(	PUNCT
fbem-1908	180	2	3	3	X
fbem-1908	180	3	)	)	PUNCT
fbem-1908	180	4	digital	digital	ADJ
fbem-1908	180	5	finance	finance	NOUN
fbem-1908	180	6	has	have	VERB
fbem-1908	180	7	a	a	DET
fbem-1908	180	8	direct	direct	ADJ
fbem-1908	180	9	intermediary	intermediary	ADJ
fbem-1908	180	10	effect	effect	NOUN
fbem-1908	180	11	between	between	ADP
fbem-1908	180	12	financial	financial	ADJ
fbem-1908	180	13	literacy	literacy	NOUN
fbem-1908	180	14	and	and	CCONJ
fbem-1908	180	15	credit	credit	NOUN
fbem-1908	180	16	constraint	constraint	NOUN
fbem-1908	180	17	,	,	PUNCT
fbem-1908	180	18	and	and	CCONJ
fbem-1908	180	19	credit	credit	NOUN
fbem-1908	180	20	constraint	constraint	NOUN
fbem-1908	180	21	and	and	CCONJ
fbem-1908	180	22	household	household	NOUN
fbem-1908	180	23	consumption	consumption	NOUN
fbem-1908	180	24	,	,	PUNCT
fbem-1908	180	25	which	which	PRON
fbem-1908	180	26	has	have	VERB
fbem-1908	180	27	a	a	DET
fbem-1908	180	28	significant	significant	ADJ
fbem-1908	180	29	regulatory	regulatory	ADJ
fbem-1908	180	30	effect	effect	NOUN
fbem-1908	180	31	on	on	ADP
fbem-1908	180	32	it	it	PRON
fbem-1908	180	33	.	.	PUNCT
fbem-1908	181	1	5.2	5.2	NUM
fbem-1908	181	2	.	.	PUNCT
fbem-1908	182	1	suggestions	suggestion	NOUN
fbem-1908	182	2	this	this	DET
fbem-1908	182	3	paper	paper	NOUN
fbem-1908	182	4	presents	present	VERB
fbem-1908	182	5	several	several	ADJ
fbem-1908	182	6	constructive	constructive	ADJ
fbem-1908	182	7	policy	policy	NOUN
fbem-1908	182	8	suggestions	suggestion	NOUN
fbem-1908	182	9	.	.	PUNCT
fbem-1908	183	1	(	(	PUNCT
fbem-1908	183	2	1	1	X
fbem-1908	183	3	)	)	PUNCT
fbem-1908	183	4	strengthen	strengthen	VERB
fbem-1908	183	5	the	the	DET
fbem-1908	183	6	improvement	improvement	NOUN
fbem-1908	183	7	of	of	ADP
fbem-1908	183	8	residents	resident	NOUN
fbem-1908	183	9	'	'	PART
fbem-1908	183	10	financial	financial	ADJ
fbem-1908	183	11	literacy	literacy	NOUN
fbem-1908	183	12	ability	ability	NOUN
fbem-1908	183	13	.	.	PUNCT
fbem-1908	184	1	improving	improve	VERB
fbem-1908	184	2	financial	financial	ADJ
fbem-1908	184	3	literacy	literacy	NOUN
fbem-1908	184	4	can	can	AUX
fbem-1908	184	5	help	help	VERB
fbem-1908	184	6	families	family	NOUN
fbem-1908	184	7	enhance	enhance	VERB
fbem-1908	184	8	their	their	PRON
fbem-1908	184	9	ability	ability	NOUN
fbem-1908	184	10	to	to	PART
fbem-1908	184	11	tap	tap	VERB
fbem-1908	184	12	into	into	ADP
fbem-1908	184	13	and	and	CCONJ
fbem-1908	184	14	use	use	VERB
fbem-1908	184	15	relevant	relevant	ADJ
fbem-1908	184	16	information	information	NOUN
fbem-1908	184	17	,	,	PUNCT
fbem-1908	184	18	and	and	CCONJ
fbem-1908	184	19	can	can	AUX
fbem-1908	184	20	help	help	VERB
fbem-1908	184	21	families	family	NOUN
fbem-1908	184	22	understand	understand	VERB
fbem-1908	184	23	loan	loan	NOUN
fbem-1908	184	24	policies	policy	NOUN
fbem-1908	184	25	and	and	CCONJ
fbem-1908	184	26	credit	credit	NOUN
fbem-1908	184	27	services	service	NOUN
fbem-1908	184	28	,	,	PUNCT
fbem-1908	184	29	enabling	enable	VERB
fbem-1908	184	30	them	they	PRON
fbem-1908	184	31	to	to	PART
fbem-1908	184	32	choose	choose	VERB
fbem-1908	184	33	more	more	ADV
fbem-1908	184	34	appropriate	appropriate	ADJ
fbem-1908	184	35	credit	credit	NOUN
fbem-1908	184	36	products	product	NOUN
fbem-1908	184	37	.	.	PUNCT
fbem-1908	185	1	the	the	DET
fbem-1908	185	2	improvement	improvement	NOUN
fbem-1908	185	3	of	of	ADP
fbem-1908	185	4	financial	financial	ADJ
fbem-1908	185	5	literacy	literacy	NOUN
fbem-1908	185	6	ability	ability	NOUN
fbem-1908	185	7	includes	include	VERB
fbem-1908	185	8	financial	financial	ADJ
fbem-1908	185	9	knowledge	knowledge	NOUN
fbem-1908	185	10	,	,	PUNCT
fbem-1908	185	11	financial	financial	ADJ
fbem-1908	185	12	attitude	attitude	NOUN
fbem-1908	185	13	and	and	CCONJ
fbem-1908	185	14	financial	financial	ADJ
fbem-1908	185	15	skills	skill	NOUN
fbem-1908	185	16	.	.	PUNCT
fbem-1908	186	1	on	on	ADP
fbem-1908	186	2	the	the	DET
fbem-1908	186	3	one	one	NUM
fbem-1908	186	4	hand	hand	NOUN
fbem-1908	186	5	,	,	PUNCT
fbem-1908	186	6	grasp	grasp	VERB
fbem-1908	186	7	the	the	DET
fbem-1908	186	8	popularization	popularization	NOUN
fbem-1908	186	9	of	of	ADP
fbem-1908	186	10	financial	financial	ADJ
fbem-1908	186	11	knowledge	knowledge	NOUN
fbem-1908	186	12	education	education	NOUN
fbem-1908	186	13	,	,	PUNCT
fbem-1908	186	14	let	let	VERB
fbem-1908	186	15	more	more	ADJ
fbem-1908	186	16	residents	resident	NOUN
fbem-1908	186	17	understand	understand	VERB
fbem-1908	186	18	and	and	CCONJ
fbem-1908	186	19	learn	learn	VERB
fbem-1908	186	20	;	;	PUNCT
fbem-1908	186	21	on	on	ADP
fbem-1908	186	22	the	the	DET
fbem-1908	186	23	other	other	ADJ
fbem-1908	186	24	hand	hand	NOUN
fbem-1908	186	25	,	,	PUNCT
fbem-1908	186	26	for	for	ADP
fbem-1908	186	27	the	the	DET
fbem-1908	186	28	financial	financial	ADJ
fbem-1908	186	29	attitude	attitude	NOUN
fbem-1908	186	30	and	and	CCONJ
fbem-1908	186	31	financial	financial	ADJ
fbem-1908	186	32	skills	skill	NOUN
fbem-1908	186	33	are	be	AUX
fbem-1908	186	34	closely	closely	ADV
fbem-1908	186	35	linked	link	VERB
fbem-1908	186	36	,	,	PUNCT
fbem-1908	186	37	only	only	ADV
fbem-1908	186	38	to	to	PART
fbem-1908	186	39	improve	improve	VERB
fbem-1908	186	40	the	the	DET
fbem-1908	186	41	risk	risk	NOUN
fbem-1908	186	42	awareness	awareness	NOUN
fbem-1908	186	43	and	and	CCONJ
fbem-1908	186	44	ability	ability	NOUN
fbem-1908	186	45	of	of	ADP
fbem-1908	186	46	residents	resident	NOUN
fbem-1908	186	47	,	,	PUNCT
fbem-1908	186	48	will	will	AUX
fbem-1908	186	49	not	not	PART
fbem-1908	186	50	fall	fall	VERB
fbem-1908	186	51	into	into	ADP
fbem-1908	186	52	the	the	DET
fbem-1908	186	53	trap	trap	NOUN
fbem-1908	186	54	of	of	ADP
fbem-1908	186	55	financial	financial	ADJ
fbem-1908	186	56	fraud	fraud	NOUN
fbem-1908	186	57	.	.	PUNCT
fbem-1908	187	1	(	(	PUNCT
fbem-1908	187	2	2	2	X
fbem-1908	187	3	)	)	PUNCT
fbem-1908	187	4	reduce	reduce	VERB
fbem-1908	187	5	the	the	DET
fbem-1908	187	6	credit	credit	NOUN
fbem-1908	187	7	constraints	constraint	NOUN
fbem-1908	187	8	of	of	ADP
fbem-1908	187	9	residents	resident	NOUN
fbem-1908	187	10	and	and	CCONJ
fbem-1908	187	11	stimulate	stimulate	VERB
fbem-1908	187	12	household	household	NOUN
fbem-1908	187	13	consumption	consumption	NOUN
fbem-1908	187	14	.	.	PUNCT
fbem-1908	188	1	at	at	ADP
fbem-1908	188	2	present	present	ADJ
fbem-1908	188	3	,	,	PUNCT
fbem-1908	188	4	china	china	PROPN
fbem-1908	188	5	is	be	AUX
fbem-1908	188	6	still	still	ADV
fbem-1908	188	7	in	in	ADP
fbem-1908	188	8	the	the	DET
fbem-1908	188	9	state	state	NOUN
fbem-1908	188	10	of	of	ADP
fbem-1908	188	11	the	the	DET
fbem-1908	188	12	epidemic	epidemic	NOUN
fbem-1908	188	13	,	,	PUNCT
fbem-1908	188	14	with	with	ADP
fbem-1908	188	15	slow	slow	ADJ
fbem-1908	188	16	economic	economic	ADJ
fbem-1908	188	17	growth	growth	NOUN
fbem-1908	188	18	and	and	CCONJ
fbem-1908	188	19	reduced	reduced	ADJ
fbem-1908	188	20	consumption	consumption	NOUN
fbem-1908	188	21	.	.	PUNCT
fbem-1908	189	1	in	in	ADP
fbem-1908	189	2	order	order	NOUN
fbem-1908	189	3	to	to	PART
fbem-1908	189	4	stimulate	stimulate	VERB
fbem-1908	189	5	china	china	PROPN
fbem-1908	189	6	's	's	PART
fbem-1908	189	7	economic	economic	ADJ
fbem-1908	189	8	recovery	recovery	NOUN
fbem-1908	189	9	,	,	PUNCT
fbem-1908	189	10	under	under	ADP
fbem-1908	189	11	a	a	DET
fbem-1908	189	12	certain	certain	ADJ
fbem-1908	189	13	policy	policy	NOUN
fbem-1908	189	14	background	background	NOUN
fbem-1908	189	15	,	,	PUNCT
fbem-1908	189	16	to	to	PART
fbem-1908	189	17	reasonably	reasonably	ADV
fbem-1908	189	18	reduce	reduce	VERB
fbem-1908	189	19	the	the	DET
fbem-1908	189	20	pressure	pressure	NOUN
fbem-1908	189	21	of	of	ADP
fbem-1908	189	22	residents	resident	NOUN
fbem-1908	189	23	'	'	PART
fbem-1908	189	24	credit	credit	NOUN
fbem-1908	189	25	constraints	constraint	NOUN
fbem-1908	189	26	,	,	PUNCT
fbem-1908	189	27	in	in	ADP
fbem-1908	189	28	order	order	NOUN
fbem-1908	189	29	to	to	PART
fbem-1908	189	30	stimulate	stimulate	VERB
fbem-1908	189	31	the	the	DET
fbem-1908	189	32	total	total	ADJ
fbem-1908	189	33	household	household	NOUN
fbem-1908	189	34	consumption	consumption	NOUN
fbem-1908	189	35	expenditure	expenditure	NOUN
fbem-1908	189	36	.	.	PUNCT
fbem-1908	190	1	(	(	PUNCT
fbem-1908	190	2	3	3	X
fbem-1908	190	3	)	)	PUNCT
fbem-1908	190	4	promote	promote	VERB
fbem-1908	190	5	the	the	DET
fbem-1908	190	6	inclusive	inclusive	ADJ
fbem-1908	190	7	development	development	NOUN
fbem-1908	190	8	of	of	ADP
fbem-1908	190	9	digital	digital	ADJ
fbem-1908	190	10	finance	finance	NOUN
fbem-1908	190	11	.	.	PUNCT
fbem-1908	191	1	in	in	ADP
fbem-1908	191	2	the	the	DET
fbem-1908	191	3	new	new	ADJ
fbem-1908	191	4	era	era	NOUN
fbem-1908	191	5	,	,	PUNCT
fbem-1908	191	6	new	new	ADJ
fbem-1908	191	7	technologies	technology	NOUN
fbem-1908	191	8	and	and	CCONJ
fbem-1908	191	9	new	new	ADJ
fbem-1908	191	10	requirements	requirement	NOUN
fbem-1908	191	11	,	,	PUNCT
fbem-1908	191	12	it	it	PRON
fbem-1908	191	13	is	be	AUX
fbem-1908	191	14	particularly	particularly	ADV
fbem-1908	191	15	important	important	ADJ
fbem-1908	191	16	to	to	PART
fbem-1908	191	17	promote	promote	VERB
fbem-1908	191	18	the	the	DET
fbem-1908	191	19	effective	effective	ADJ
fbem-1908	191	20	development	development	NOUN
fbem-1908	191	21	of	of	ADP
fbem-1908	191	22	digital	digital	ADJ
fbem-1908	191	23	finance	finance	NOUN
fbem-1908	191	24	.	.	PUNCT
fbem-1908	192	1	digital	digital	ADJ
fbem-1908	192	2	finance	finance	NOUN
fbem-1908	192	3	should	should	AUX
fbem-1908	192	4	truly	truly	ADV
fbem-1908	192	5	benefit	benefit	VERB
fbem-1908	192	6	every	every	DET
fbem-1908	192	7	resident	resident	NOUN
fbem-1908	192	8	,	,	PUNCT
fbem-1908	192	9	so	so	SCONJ
fbem-1908	192	10	that	that	SCONJ
fbem-1908	192	11	consumers	consumer	NOUN
fbem-1908	192	12	can	can	AUX
fbem-1908	192	13	enjoy	enjoy	VERB
fbem-1908	192	14	the	the	DET
fbem-1908	192	15	convenience	convenience	NOUN
fbem-1908	192	16	of	of	ADP
fbem-1908	192	17	consumption	consumption	NOUN
fbem-1908	192	18	,	,	PUNCT
fbem-1908	192	19	so	so	SCONJ
fbem-1908	192	20	as	as	SCONJ
fbem-1908	192	21	to	to	PART
fbem-1908	192	22	promote	promote	VERB
fbem-1908	192	23	household	household	NOUN
fbem-1908	192	24	consumption	consumption	NOUN
fbem-1908	192	25	expenditure	expenditure	NOUN
fbem-1908	192	26	.	.	PUNCT
fbem-1908	193	1	acknowledgment	acknowledgment	NOUN
fbem-1908	193	2	this	this	DET
fbem-1908	193	3	paper	paper	NOUN
fbem-1908	193	4	is	be	AUX
fbem-1908	193	5	funded	fund	VERB
fbem-1908	193	6	by	by	ADP
fbem-1908	193	7	the	the	DET
fbem-1908	193	8	scientific	scientific	ADJ
fbem-1908	193	9	research	research	NOUN
fbem-1908	193	10	fund	fund	NOUN
fbem-1908	193	11	of	of	ADP
fbem-1908	193	12	anhui	anhui	PROPN
fbem-1908	193	13	university	university	PROPN
fbem-1908	193	14	of	of	ADP
fbem-1908	193	15	finance	finance	NOUN
fbem-1908	193	16	and	and	CCONJ
fbem-1908	193	17	economics	economic	NOUN
fbem-1908	193	18	(	(	PUNCT
fbem-1908	193	19	project	project	NOUN
fbem-1908	193	20	number	number	NOUN
fbem-1908	193	21	:	:	PUNCT
fbem-1908	193	22	ackyc20022	ackyc20022	PROPN
fbem-1908	193	23	)	)	PUNCT
fbem-1908	193	24	.	.	PUNCT
fbem-1908	194	1	references	reference	NOUN
fbem-1908	194	2	[	[	X
fbem-1908	194	3	1	1	NUM
fbem-1908	194	4	]	]	PUNCT
fbem-1908	194	5	chamon	chamon	NOUN
fbem-1908	194	6	m	m	PROPN
fbem-1908	194	7	d	d	NOUN
fbem-1908	194	8	,	,	PUNCT
fbem-1908	194	9	prasad	prasad	PROPN
fbem-1908	194	10	e	e	PROPN
fbem-1908	194	11	s.	s.	PROPN
fbem-1908	194	12	why	why	SCONJ
fbem-1908	194	13	are	be	AUX
fbem-1908	194	14	saving	save	VERB
fbem-1908	194	15	rates	rate	NOUN
fbem-1908	194	16	of	of	ADP
fbem-1908	194	17	urban	urban	ADJ
fbem-1908	194	18	households	household	NOUN
fbem-1908	194	19	in	in	ADP
fbem-1908	194	20	china	china	PROPN
fbem-1908	194	21	rising?[j].american	rising?[j].american	PROPN
fbem-1908	194	22	economic	economic	ADJ
fbem-1908	194	23	journal	journal	NOUN
fbem-1908	194	24	:	:	PUNCT
fbem-1908	194	25	macroeconomics	macroeconomic	NOUN
fbem-1908	194	26	,	,	PUNCT
fbem-1908	194	27	2010	2010	NUM
fbem-1908	194	28	,	,	PUNCT
fbem-1908	194	29	2(1	2(1	NUM
fbem-1908	194	30	):	):	PUNCT
fbem-1908	194	31	93	93	NUM
fbem-1908	194	32	-	-	SYM
fbem-1908	194	33	130	130	NUM
fbem-1908	194	34	.	.	PUNCT
fbem-1908	195	1	[	[	X
fbem-1908	195	2	2	2	NUM
fbem-1908	195	3	]	]	X
fbem-1908	195	4	modigliani	modigliani	PROPN
fbem-1908	195	5	f	f	PROPN
fbem-1908	195	6	,	,	PUNCT
fbem-1908	195	7	cao	cao	PROPN
fbem-1908	195	8	s	s	PROPN
fbem-1908	195	9	l.	l.	PROPN
fbem-1908	195	10	the	the	DET
fbem-1908	195	11	chinese	chinese	ADJ
fbem-1908	195	12	saving	saving	NOUN
fbem-1908	195	13	puzzle	puzzle	NOUN
fbem-1908	195	14	and	and	CCONJ
fbem-1908	195	15	the	the	DET
fbem-1908	195	16	life	life	NOUN
fbem-1908	195	17	-	-	PUNCT
fbem-1908	195	18	cycle	cycle	NOUN
fbem-1908	195	19	hypothesis.[j].journal	hypothesis.[j].journal	NOUN
fbem-1908	195	20	of	of	ADP
fbem-1908	195	21	economic	economic	ADJ
fbem-1908	195	22	literature	literature	NOUN
fbem-1908	195	23	,	,	PUNCT
fbem-1908	195	24	2004	2004	NUM
fbem-1908	195	25	,	,	PUNCT
fbem-1908	195	26	42(1):145	42(1):145	PROPN
fbem-1908	195	27	-	-	SYM
fbem-1908	195	28	170	170	NUM
fbem-1908	195	29	.	.	PUNCT
fbem-1908	196	1	[	[	X
fbem-1908	196	2	3	3	X
fbem-1908	196	3	]	]	X
fbem-1908	196	4	wei	wei	X
fbem-1908	196	5	sj	sj	PROPN
fbem-1908	196	6	,	,	PUNCT
fbem-1908	196	7	zhang	zhang	PROPN
fbem-1908	196	8	xb	xb	PROPN
fbem-1908	196	9	.	.	PUNCT
fbem-1908	197	1	the	the	DET
fbem-1908	197	2	competitive	competitive	ADJ
fbem-1908	197	3	saving	saving	NOUN
fbem-1908	197	4	motive	motive	NOUN
fbem-1908	197	5	:	:	PUNCT
fbem-1908	197	6	evidence	evidence	NOUN
fbem-1908	197	7	from	from	ADP
fbem-1908	197	8	rising	rise	VERB
fbem-1908	197	9	sex	sex	NOUN
fbem-1908	197	10	ratios	ratio	NOUN
fbem-1908	197	11	and	and	CCONJ
fbem-1908	197	12	savings	saving	NOUN
fbem-1908	197	13	rates	rate	NOUN
fbem-1908	197	14	in	in	ADP
fbem-1908	197	15	china[j].journal	china[j].journal	NOUN
fbem-1908	197	16	of	of	ADP
fbem-1908	197	17	political	political	ADJ
fbem-1908	197	18	economy	economy	NOUN
fbem-1908	197	19	,	,	PUNCT
fbem-1908	197	20	2011,119(3):511	2011,119(3):511	NUM
fbem-1908	197	21	-	-	SYM
fbem-1908	197	22	564	564	NUM
fbem-1908	197	23	.	.	PUNCT
fbem-1908	198	1	[	[	X
fbem-1908	198	2	4	4	X
fbem-1908	198	3	]	]	X
fbem-1908	198	4	kon	kon	PROPN
fbem-1908	198	5	y	y	PROPN
fbem-1908	198	6	,	,	PUNCT
fbem-1908	198	7	storey	storey	PROPN
fbem-1908	198	8	d	d	PROPN
fbem-1908	198	9	j.a	j.a	PROPN
fbem-1908	198	10	theory	theory	NOUN
fbem-1908	198	11	of	of	ADP
fbem-1908	198	12	discouraged	discouraged	ADJ
fbem-1908	198	13	borrowers[j].small	borrowers[j].small	PROPN
fbem-1908	198	14	business	business	NOUN
fbem-1908	198	15	economics	economic	NOUN
fbem-1908	198	16	,	,	PUNCT
fbem-1908	198	17	2003,21(1):37	2003,21(1):37	PROPN
fbem-1908	198	18	-	-	SYM
fbem-1908	198	19	49	49	NUM
fbem-1908	198	20	.	.	PUNCT
fbem-1908	199	1	[	[	X
fbem-1908	199	2	5	5	NUM
fbem-1908	199	3	]	]	X
fbem-1908	199	4	petrick	petrick	ADJ
fbem-1908	199	5	m.	m.	PROPN
fbem-1908	199	6	"a	"a	PROPN
fbem-1908	199	7	micro	micro	PROPN
fbem-1908	199	8	econometric	econometric	ADJ
fbem-1908	199	9	analysis	analysis	NOUN
fbem-1908	199	10	of	of	ADP
fbem-1908	199	11	credit	credit	NOUN
fbem-1908	199	12	rationing	ration	VERB
fbem-1908	199	13	in	in	ADP
fbem-1908	199	14	the	the	DET
fbem-1908	199	15	polish	polish	ADJ
fbem-1908	199	16	farm	farm	NOUN
fbem-1908	199	17	sector".[j	sector".[j	PROPN
fbem-1908	199	18	]	]	X
fbem-1908	199	19	european	european	PROPN
fbem-1908	199	20	review	review	NOUN
fbem-1908	199	21	of	of	ADP
fbem-1908	199	22	agricultural	agricultural	ADJ
fbem-1908	199	23	economics	economic	NOUN
fbem-1908	199	24	,	,	PUNCT
fbem-1908	199	25	2004,31(1):77	2004,31(1):77	NUM
fbem-1908	199	26	-	-	SYM
fbem-1908	199	27	101	101	NUM
fbem-1908	199	28	.	.	PUNCT
fbem-1908	200	1	[	[	X
fbem-1908	200	2	6	6	NUM
fbem-1908	200	3	]	]	X
fbem-1908	200	4	wang	wang	PROPN
fbem-1908	200	5	jining	jining	PROPN
fbem-1908	200	6	,	,	PUNCT
fbem-1908	200	7	zhao	zhao	PROPN
fbem-1908	200	8	shunlong	shunlong	PROPN
fbem-1908	200	9	.	.	PUNCT
fbem-1908	201	1	exterior	exterior	ADJ
fbem-1908	201	2	constraints	constraint	NOUN
fbem-1908	201	3	,	,	PUNCT
fbem-1908	201	4	cognitive	cognitive	ADJ
fbem-1908	201	5	bias	bias	NOUN
fbem-1908	201	6	,	,	PUNCT
fbem-1908	201	7	behavioral	behavioral	ADJ
fbem-1908	201	8	bias	bias	NOUN
fbem-1908	201	9	and	and	CCONJ
fbem-1908	201	10	peasant	peasant	NOUN
fbem-1908	201	11	household	household	NOUN
fbem-1908	201	12	loan	loan	NOUN
fbem-1908	201	13	dilemma	dilemma	NOUN
fbem-1908	201	14	—	—	PUNCT
fbem-1908	201	15	—	—	PUNCT
fbem-1908	201	16	is	be	AUX
fbem-1908	201	17	obtained	obtain	VERB
fbem-1908	201	18	from	from	ADP
fbem-1908	201	19	the	the	DET
fbem-1908	201	20	empirical	empirical	ADJ
fbem-1908	201	21	test	test	NOUN
fbem-1908	201	22	of	of	ADP
fbem-1908	201	23	the	the	DET
fbem-1908	201	24	loan	loan	NOUN
fbem-1908	201	25	questionnaire	questionnaire	NOUN
fbem-1908	201	26	data	datum	NOUN
fbem-1908	201	27	from	from	ADP
fbem-1908	201	28	716	716	NUM
fbem-1908	201	29	peasant	peasant	NOUN
fbem-1908	201	30	households	household	NOUN
fbem-1908	202	1	[	[	X
fbem-1908	202	2	j	j	X
fbem-1908	202	3	]	]	X
fbem-1908	202	4	.	.	PUNCT
fbem-1908	203	1	managing	manage	VERB
fbem-1908	203	2	the	the	DET
fbem-1908	203	3	world	world	NOUN
fbem-1908	203	4	,	,	PUNCT
fbem-1908	203	5	2007	2007	NUM
fbem-1908	203	6	(	(	PUNCT
fbem-1908	203	7	09	09	NUM
fbem-1908	203	8	):	):	PUNCT
fbem-1908	203	9	69	69	NUM
fbem-1908	203	10	-	-	SYM
fbem-1908	203	11	75	75	NUM
fbem-1908	203	12	.	.	PUNCT
fbem-1908	204	1	[	[	X
fbem-1908	204	2	7	7	NUM
fbem-1908	204	3	]	]	X
fbem-1908	204	4	song	song	NOUN
fbem-1908	204	5	quanyun	quanyun	PROPN
fbem-1908	204	6	,	,	PUNCT
fbem-1908	204	7	wu	wu	PROPN
fbem-1908	204	8	yu	yu	PROPN
fbem-1908	204	9	,	,	PUNCT
fbem-1908	204	10	yin	yin	PROPN
fbem-1908	204	11	zhichao	zhichao	PROPN
fbem-1908	204	12	.	.	PUNCT
fbem-1908	205	1	research	research	NOUN
fbem-1908	205	2	on	on	ADP
fbem-1908	205	3	family	family	NOUN
fbem-1908	205	4	credit	credit	NOUN
fbem-1908	205	5	behavior	behavior	NOUN
fbem-1908	205	6	from	from	ADP
fbem-1908	205	7	the	the	DET
fbem-1908	205	8	perspective	perspective	NOUN
fbem-1908	205	9	of	of	ADP
fbem-1908	205	10	financial	financial	ADJ
fbem-1908	205	11	knowledge	knowledge	NOUN
fbem-1908	206	1	[	[	X
fbem-1908	206	2	j	j	X
fbem-1908	206	3	]	]	X
fbem-1908	206	4	.	.	PUNCT
fbem-1908	207	1	financial	financial	ADJ
fbem-1908	207	2	research	research	NOUN
fbem-1908	207	3	,	,	PUNCT
fbem-1908	207	4	2017	2017	NUM
fbem-1908	207	5	(	(	PUNCT
fbem-1908	207	6	06	06	NUM
fbem-1908	207	7	):	):	PUNCT
fbem-1908	207	8	95	95	NUM
fbem-1908	207	9	-	-	SYM
fbem-1908	207	10	110	110	NUM
fbem-1908	207	11	.	.	PUNCT
fbem-1908	208	1	[	[	X
fbem-1908	208	2	8	8	NUM
fbem-1908	208	3	]	]	X
fbem-1908	208	4	gao	gao	PROPN
fbem-1908	208	5	mengtao	mengtao	PROPN
fbem-1908	208	6	,	,	PUNCT
fbem-1908	208	7	bi	bi	ADJ
fbem-1908	208	8	lanlan	lanlan	NOUN
fbem-1908	208	9	,	,	PUNCT
fbem-1908	208	10	shi	shi	PROPN
fbem-1908	208	11	huili	huili	PROPN
fbem-1908	208	12	.	.	PUNCT
fbem-1908	209	1	empirical	empirical	ADJ
fbem-1908	209	2	research	research	NOUN
fbem-1908	209	3	on	on	ADP
fbem-1908	209	4	liquidity	liquidity	NOUN
fbem-1908	209	5	constraint	constraint	NOUN
fbem-1908	209	6	,	,	PUNCT
fbem-1908	209	7	persistent	persistent	ADJ
fbem-1908	209	8	income	income	NOUN
fbem-1908	209	9	and	and	CCONJ
fbem-1908	209	10	farmer	farmer	NOUN
fbem-1908	209	11	consumption	consumption	NOUN
fbem-1908	209	12	—	—	PUNCT
fbem-1908	209	13	—	—	PUNCT
fbem-1908	209	14	based	base	VERB
fbem-1908	209	15	on	on	ADP
fbem-1908	209	16	micro	micro	NOUN
fbem-1908	209	17	-	-	NOUN
fbem-1908	209	18	panel	panel	NOUN
fbem-1908	209	19	data	datum	NOUN
fbem-1908	209	20	in	in	ADP
fbem-1908	209	21	rural	rural	ADJ
fbem-1908	209	22	china	china	PROPN
fbem-1908	210	1	[	[	X
fbem-1908	210	2	j	j	X
fbem-1908	210	3	]	]	X
fbem-1908	210	4	.	.	PUNCT
fbem-1908	211	1	statistical	statistical	ADJ
fbem-1908	211	2	research	research	NOUN
fbem-1908	211	3	,	,	PUNCT
fbem-1908	211	4	2008	2008	NUM
fbem-1908	211	5	(	(	PUNCT
fbem-1908	211	6	06	06	NUM
fbem-1908	211	7	):	):	PUNCT
fbem-1908	211	8	48	48	NUM
fbem-1908	211	9	-	-	SYM
fbem-1908	211	10	55	55	NUM
fbem-1908	211	11	.	.	PUNCT
fbem-1908	212	1	[	[	X
fbem-1908	212	2	9	9	NUM
fbem-1908	212	3	]	]	PUNCT
fbem-1908	212	4	he	he	PRON
fbem-1908	212	5	mingsheng	mingsheng	PROPN
fbem-1908	212	6	,	,	PUNCT
fbem-1908	212	7	shuai	shuai	PROPN
fbem-1908	212	8	xu	xu	PROPN
fbem-1908	212	9	.	.	PUNCT
fbem-1908	212	10	research	research	NOUN
fbem-1908	212	11	on	on	ADP
fbem-1908	212	12	farmers	farmer	NOUN
fbem-1908	212	13	'	'	PART
fbem-1908	212	14	credit	credit	NOUN
fbem-1908	212	15	demand	demand	NOUN
fbem-1908	212	16	and	and	CCONJ
fbem-1908	212	17	its	its	PRON
fbem-1908	212	18	gap	gap	NOUN
fbem-1908	212	19	under	under	ADP
fbem-1908	212	20	financing	financing	NOUN
fbem-1908	212	21	constraint	constraint	NOUN
fbem-1908	213	1	[	[	X
fbem-1908	213	2	j	j	X
fbem-1908	213	3	]	]	X
fbem-1908	213	4	.	.	PUNCT
fbem-1908	214	1	financial	financial	ADJ
fbem-1908	214	2	research	research	NOUN
fbem-1908	214	3	,	,	PUNCT
fbem-1908	214	4	2008	2008	NUM
fbem-1908	214	5	(	(	PUNCT
fbem-1908	214	6	07	07	NUM
fbem-1908	214	7	):	):	PUNCT
fbem-1908	214	8	66	66	NUM
fbem-1908	214	9	-	-	SYM
fbem-1908	214	10	79	79	NUM
fbem-1908	214	11	.	.	PUNCT
fbem-1908	215	1	[	[	X
fbem-1908	215	2	10	10	NUM
fbem-1908	215	3	]	]	X
fbem-1908	215	4	wan	wan	PROPN
fbem-1908	215	5	guanghua	guanghua	PROPN
fbem-1908	215	6	,	,	PUNCT
fbem-1908	215	7	zhang	zhang	PROPN
fbem-1908	215	8	yin	yin	PROPN
fbem-1908	215	9	,	,	PUNCT
fbem-1908	215	10	niu	niu	PROPN
fbem-1908	215	11	jiangao	jiangao	PROPN
fbem-1908	215	12	.	.	PUNCT
fbem-1908	216	1	liquidity	liquidity	NOUN
fbem-1908	216	2	constraints	constraint	NOUN
fbem-1908	216	3	,	,	PUNCT
fbem-1908	216	4	uncertainty	uncertainty	NOUN
fbem-1908	216	5	and	and	CCONJ
fbem-1908	216	6	consumption	consumption	NOUN
fbem-1908	216	7	of	of	ADP
fbem-1908	216	8	chinese	chinese	ADJ
fbem-1908	216	9	residents	resident	NOUN
fbem-1908	217	1	[	[	X
fbem-1908	217	2	j	j	X
fbem-1908	217	3	]	]	X
fbem-1908	217	4	.	.	PUNCT
fbem-1908	218	1	economic	economic	ADJ
fbem-1908	218	2	research	research	NOUN
fbem-1908	218	3	,	,	PUNCT
fbem-1908	218	4	2001	2001	NUM
fbem-1908	218	5	(	(	PUNCT
fbem-1908	218	6	11	11	NUM
fbem-1908	218	7	):	):	PUNCT
fbem-1908	218	8	35	35	NUM
fbem-1908	218	9	-	-	SYM
fbem-1908	218	10	44	44	NUM
fbem-1908	218	11	+	+	NUM
fbem-1908	218	12	94	94	NUM
fbem-1908	218	13	.	.	PUNCT
fbem-1908	219	1	[	[	X
fbem-1908	219	2	11	11	NUM
fbem-1908	219	3	]	]	X
fbem-1908	219	4	meng	meng	PROPN
fbem-1908	219	5	hongwei	hongwei	PROPN
fbem-1908	219	6	,	,	PUNCT
fbem-1908	219	7	yan	yan	PROPN
fbem-1908	219	8	xinhua	xinhua	PROPN
fbem-1908	219	9	.	.	PUNCT
fbem-1908	220	1	financial	financial	ADJ
fbem-1908	220	2	literacy	literacy	NOUN
fbem-1908	220	3	,	,	PUNCT
fbem-1908	220	4	household	household	NOUN
fbem-1908	220	5	leverage	leverage	NOUN
fbem-1908	220	6	ratio	ratio	NOUN
fbem-1908	220	7	,	,	PUNCT
fbem-1908	220	8	and	and	CCONJ
fbem-1908	220	9	household	household	NOUN
fbem-1908	220	10	consumption	consumption	NOUN
fbem-1908	221	1	[	[	X
fbem-1908	221	2	j	j	X
fbem-1908	221	3	]	]	X
fbem-1908	221	4	.	.	PUNCT
fbem-1908	222	1	financial	financial	ADJ
fbem-1908	222	2	development	development	PROPN
fbem-1908	222	3	research	research	NOUN
fbem-1908	222	4	,	,	PUNCT
fbem-1908	222	5	2019	2019	NUM
fbem-1908	222	6	(	(	PUNCT
fbem-1908	222	7	12	12	NUM
fbem-1908	222	8	):	):	PUNCT
fbem-1908	222	9	30	30	NUM
fbem-1908	222	10	-	-	SYM
fbem-1908	222	11	39	39	NUM
fbem-1908	222	12	.	.	PUNCT
fbem-1908	223	1	[	[	X
fbem-1908	223	2	12	12	NUM
fbem-1908	223	3	]	]	X
fbem-1908	223	4	wu	wu	PROPN
fbem-1908	223	5	weixing	weixing	NOUN
fbem-1908	223	6	,	,	PUNCT
fbem-1908	223	7	zhang	zhang	PROPN
fbem-1908	223	8	xuyang	xuyang	PROPN
fbem-1908	223	9	,	,	PUNCT
fbem-1908	223	10	wu	wu	PROPN
fbem-1908	223	11	kun	kun	PROPN
fbem-1908	223	12	.	.	PUNCT
fbem-1908	224	1	financial	financial	ADJ
fbem-1908	224	2	literacy	literacy	NOUN
fbem-1908	224	3	and	and	CCONJ
fbem-1908	224	4	household	household	NOUN
fbem-1908	224	5	savings	saving	NOUN
fbem-1908	224	6	rate	rate	NOUN
fbem-1908	224	7	—	—	PUNCT
fbem-1908	224	8	—	—	PUNCT
fbem-1908	224	9	is	be	AUX
fbem-1908	224	10	based	base	VERB
fbem-1908	224	11	on	on	ADP
fbem-1908	224	12	financial	financial	ADJ
fbem-1908	224	13	planning	planning	NOUN
fbem-1908	224	14	and	and	CCONJ
fbem-1908	224	15	lending	lending	NOUN
fbem-1908	224	16	constraints	constraint	NOUN
fbem-1908	225	1	[	[	X
fbem-1908	225	2	j	j	X
fbem-1908	225	3	]	]	X
fbem-1908	225	4	.	.	PUNCT
fbem-1908	226	1	financial	financial	ADJ
fbem-1908	226	2	research	research	NOUN
fbem-1908	226	3	,	,	PUNCT
fbem-1908	226	4	2021	2021	NUM
fbem-1908	226	5	(	(	PUNCT
fbem-1908	226	6	08	08	NUM
fbem-1908	226	7	):	):	PUNCT
fbem-1908	226	8	119137	119137	NUM
fbem-1908	226	9	.	.	PUNCT
fbem-1908	227	1	[	[	X
fbem-1908	227	2	13	13	NUM
fbem-1908	227	3	]	]	PUNCT
fbem-1908	227	4	wang	wang	PROPN
fbem-1908	227	5	yuxi	yuxi	PROPN
fbem-1908	227	6	,	,	PUNCT
fbem-1908	227	7	yang	yang	PROPN
fbem-1908	227	8	shaohua	shaohua	PROPN
fbem-1908	227	9	.	.	PUNCT
fbem-1908	228	1	new	new	ADJ
fbem-1908	228	2	progress	progress	NOUN
fbem-1908	228	3	in	in	ADP
fbem-1908	228	4	the	the	DET
fbem-1908	228	5	financial	financial	ADJ
fbem-1908	228	6	literacy	literacy	NOUN
fbem-1908	228	7	theory	theory	NOUN
fbem-1908	228	8	research	research	NOUN
fbem-1908	228	9	[	[	X
fbem-1908	228	10	j	j	X
fbem-1908	228	11	]	]	X
fbem-1908	228	12	.	.	PUNCT
fbem-1908	229	1	shanghai	shanghai	PROPN
fbem-1908	229	2	finance	finance	PROPN
fbem-1908	229	3	,	,	PUNCT
fbem-1908	229	4	2014	2014	NUM
fbem-1908	229	5	(	(	PUNCT
fbem-1908	229	6	03	03	NUM
fbem-1908	229	7	):	):	PUNCT
fbem-1908	229	8	26	26	NUM
fbem-1908	229	9	-	-	SYM
fbem-1908	229	10	33	33	NUM
fbem-1908	229	11	+	+	NUM
fbem-1908	229	12	116	116	NUM
fbem-1908	229	13	.	.	PUNCT
fbem-1908	230	1	[	[	X
fbem-1908	230	2	14	14	NUM
fbem-1908	230	3	]	]	X
fbem-1908	230	4	wu	wu	PROPN
fbem-1908	230	5	kun	kun	PROPN
fbem-1908	230	6	,	,	PUNCT
fbem-1908	230	7	wang	wang	PROPN
fbem-1908	230	8	shennan	shennan	PROPN
fbem-1908	230	9	,	,	PUNCT
fbem-1908	230	10	li	li	PROPN
fbem-1908	230	11	hongbo	hongbo	PROPN
fbem-1908	230	12	.	.	PUNCT
fbem-1908	231	1	how	how	SCONJ
fbem-1908	231	2	does	do	AUX
fbem-1908	231	3	financial	financial	ADJ
fbem-1908	231	4	literacy	literacy	NOUN
fbem-1908	231	5	affect	affect	VERB
fbem-1908	231	6	household	household	NOUN
fbem-1908	231	7	consumption?[j	consumption?[j	PROPN
fbem-1908	231	8	/	/	SYM
fbem-1908	231	9	ol	ol	PROPN
fbem-1908	231	10	]	]	PUNCT
fbem-1908	231	11	.	.	PUNCT
fbem-1908	232	1	finance	finance	NOUN
fbem-1908	232	2	and	and	CCONJ
fbem-1908	232	3	trade	trade	NOUN
fbem-1908	232	4	research	research	NOUN
fbem-1908	232	5	,	,	PUNCT
fbem-1908	232	6	2022:1	2022:1	NUM
fbem-1908	232	7	-	-	SYM
fbem-1908	232	8	13	13	NUM
fbem-1908	232	9	.	.	PUNCT
fbem-1908	233	1	[	[	X
fbem-1908	233	2	15	15	NUM
fbem-1908	233	3	]	]	X
fbem-1908	233	4	yang	yang	PROPN
fbem-1908	233	5	liu	liu	PROPN
fbem-1908	233	6	,	,	PUNCT
fbem-1908	233	7	liu	liu	PROPN
fbem-1908	233	8	zhixin	zhixin	PROPN
fbem-1908	233	9	.	.	PUNCT
fbem-1908	234	1	the	the	DET
fbem-1908	234	2	influence	influence	NOUN
fbem-1908	234	3	of	of	ADP
fbem-1908	234	4	financial	financial	ADJ
fbem-1908	234	5	literacy	literacy	NOUN
fbem-1908	234	6	on	on	ADP
fbem-1908	234	7	family	family	NOUN
fbem-1908	234	8	business	business	NOUN
fbem-1908	234	9	insurance	insurance	NOUN
fbem-1908	234	10	consumption	consumption	NOUN
fbem-1908	234	11	decision	decision	NOUN
fbem-1908	234	12	-	-	PUNCT
fbem-1908	234	13	making	making	NOUN
fbem-1908	234	14	—	—	PUNCT
fbem-1908	234	15	—	—	PUNCT
fbem-1908	234	16	is	be	AUX
fbem-1908	234	17	based	base	VERB
fbem-1908	234	18	on	on	ADP
fbem-1908	234	19	the	the	DET
fbem-1908	234	20	analysis	analysis	NOUN
fbem-1908	234	21	of	of	ADP
fbem-1908	234	22	china	china	PROPN
fbem-1908	234	23	family	family	PROPN
fbem-1908	234	24	finance	finance	NOUN
fbem-1908	234	25	survey	survey	NOUN
fbem-1908	234	26	(	(	PUNCT
fbem-1908	234	27	chfs	chfs	PROPN
fbem-1908	234	28	)	)	PUNCT
fbem-1908	235	1	[	[	X
fbem-1908	235	2	j	j	X
fbem-1908	235	3	]	]	X
fbem-1908	235	4	.	.	PUNCT
fbem-1908	236	1	consumer	consumer	NOUN
fbem-1908	236	2	economy	economy	NOUN
fbem-1908	236	3	,	,	PUNCT
fbem-1908	236	4	2019,35	2019,35	PROPN
fbem-1908	236	5	(	(	PUNCT
fbem-1908	236	6	05	05	NUM
fbem-1908	236	7	):	):	PUNCT
fbem-1908	236	8	53	53	NUM
fbem-1908	236	9	-	-	SYM
fbem-1908	236	10	63	63	NUM
fbem-1908	236	11	.	.	PUNCT
fbem-1908	237	1	[	[	X
fbem-1908	237	2	16	16	NUM
fbem-1908	237	3	]	]	PUNCT
fbem-1908	237	4	song	song	NOUN
fbem-1908	237	5	quanyun	quanyun	PROPN
fbem-1908	237	6	,	,	PUNCT
fbem-1908	237	7	xiao	xiao	PROPN
fbem-1908	237	8	jingna	jingna	PROPN
fbem-1908	237	9	,	,	PUNCT
fbem-1908	237	10	yin	yin	PROPN
fbem-1908	237	11	zhichao	zhichao	PROPN
fbem-1908	237	12	.	.	PUNCT
fbem-1908	238	1	research	research	NOUN
fbem-1908	238	2	on	on	ADP
fbem-1908	238	3	chinese	chinese	ADJ
fbem-1908	238	4	residents	resident	NOUN
fbem-1908	238	5	'	'	PART
fbem-1908	238	6	consumption	consumption	NOUN
fbem-1908	238	7	from	from	ADP
fbem-1908	238	8	the	the	DET
fbem-1908	238	9	perspective	perspective	NOUN
fbem-1908	238	10	of	of	ADP
fbem-1908	238	11	financial	financial	ADJ
fbem-1908	238	12	knowledge	knowledge	NOUN
fbem-1908	239	1	[	[	X
fbem-1908	239	2	j	j	X
fbem-1908	239	3	]	]	X
fbem-1908	239	4	.	.	PUNCT
fbem-1908	240	1	economic	economic	ADJ
fbem-1908	240	2	review	review	PROPN
fbem-1908	240	3	,	,	PUNCT
fbem-1908	240	4	2019	2019	NUM
fbem-1908	240	5	(	(	PUNCT
fbem-1908	240	6	01	01	NUM
fbem-1908	240	7	):	):	PUNCT
fbem-1908	240	8	133147	133147	NUM
fbem-1908	240	9	.	.	PUNCT
fbem-1908	241	1	[	[	X
fbem-1908	241	2	17	17	NUM
fbem-1908	241	3	]	]	X
fbem-1908	241	4	zhou	zhou	PROPN
fbem-1908	241	5	hong	hong	PROPN
fbem-1908	241	6	,	,	PUNCT
fbem-1908	241	7	shi	shi	PROPN
fbem-1908	241	8	jiantao	jiantao	PROPN
fbem-1908	241	9	.	.	PUNCT
fbem-1908	241	10	evidence	evidence	NOUN
fbem-1908	241	11	on	on	ADP
fbem-1908	241	12	how	how	SCONJ
fbem-1908	241	13	credit	credit	NOUN
fbem-1908	241	14	constraints	constraint	NOUN
fbem-1908	241	15	affect	affect	VERB
fbem-1908	241	16	household	household	NOUN
fbem-1908	241	17	risk	risk	NOUN
fbem-1908	241	18	asset	asset	NOUN
fbem-1908	241	19	engagement	engagement	NOUN
fbem-1908	241	20	in	in	ADP
fbem-1908	241	21	—	—	PUNCT
fbem-1908	241	22	—	—	PUNCT
fbem-1908	241	23	comes	come	VERB
fbem-1908	241	24	from	from	ADP
fbem-1908	241	25	cfps	cfps	NOUN
fbem-1908	241	26	data	datum	NOUN
fbem-1908	241	27	[	[	X
fbem-1908	241	28	j	j	X
fbem-1908	241	29	]	]	X
fbem-1908	241	30	.	.	PUNCT
fbem-1908	242	1	journal	journal	PROPN
fbem-1908	242	2	of	of	ADP
fbem-1908	242	3	guizhou	guizhou	PROPN
fbem-1908	242	4	university	university	PROPN
fbem-1908	242	5	of	of	ADP
fbem-1908	242	6	finance	finance	NOUN
fbem-1908	242	7	and	and	CCONJ
fbem-1908	242	8	economics	economic	NOUN
fbem-1908	242	9	,	,	PUNCT
fbem-1908	242	10	2021	2021	NUM
fbem-1908	242	11	(	(	PUNCT
fbem-1908	242	12	03	03	NUM
fbem-1908	242	13	):	):	PUNCT
fbem-1908	242	14	53	53	NUM
fbem-1908	242	15	-	-	SYM
fbem-1908	242	16	61	61	NUM
fbem-1908	242	17	.	.	PUNCT
fbem-1908	243	1	[	[	X
fbem-1908	243	2	18	18	NUM
fbem-1908	243	3	]	]	X
fbem-1908	243	4	huang	huang	PROPN
fbem-1908	243	5	qian	qian	PROPN
fbem-1908	243	6	,	,	PUNCT
fbem-1908	243	7	yin	yin	PROPN
fbem-1908	243	8	zhichao	zhichao	PROPN
fbem-1908	243	9	.	.	PUNCT
fbem-1908	244	1	the	the	DET
fbem-1908	244	2	impact	impact	NOUN
fbem-1908	244	3	of	of	ADP
fbem-1908	244	4	credit	credit	NOUN
fbem-1908	244	5	conaints	conaint	NOUN
fbem-1908	244	6	on	on	ADP
fbem-1908	244	7	household	household	NOUN
fbem-1908	244	8	consumption	consumption	NOUN
fbem-1908	244	9	—	—	PUNCT
fbem-1908	244	10	—	—	PUNCT
fbem-1908	244	11	empirical	empirical	ADJ
fbem-1908	244	12	analysis	analysis	NOUN
fbem-1908	244	13	based	base	VERB
fbem-1908	244	14	on	on	ADP
fbem-1908	244	15	data	datum	NOUN
fbem-1908	244	16	from	from	ADP
fbem-1908	244	17	china	china	PROPN
fbem-1908	244	18	household	household	NOUN
fbem-1908	244	19	finance	finance	NOUN
fbem-1908	244	20	survey	survey	NOUN
fbem-1908	244	21	[	[	X
fbem-1908	244	22	j	j	X
fbem-1908	244	23	]	]	X
fbem-1908	244	24	.	.	PUNCT
fbem-1908	245	1	journal	journal	PROPN
fbem-1908	245	2	of	of	ADP
fbem-1908	245	3	yunnan	yunnan	PROPN
fbem-1908	245	4	university	university	PROPN
fbem-1908	245	5	of	of	ADP
fbem-1908	245	6	finance	finance	NOUN
fbem-1908	245	7	and	and	CCONJ
fbem-1908	245	8	economics	economic	NOUN
fbem-1908	245	9	,	,	PUNCT
fbem-1908	245	10	2015,31	2015,31	NUM
fbem-1908	245	11	(	(	PUNCT
fbem-1908	245	12	02	02	NUM
fbem-1908	245	13	):	):	PUNCT
fbem-1908	245	14	126	126	NUM
fbem-1908	245	15	-	-	SYM
fbem-1908	245	16	134	134	NUM
fbem-1908	245	17	.	.	PUNCT
fbem-1908	246	1	[	[	X
fbem-1908	246	2	19	19	NUM
fbem-1908	246	3	]	]	X
fbem-1908	246	4	pu	pu	PROPN
fbem-1908	246	5	yanping	yanping	PROPN
fbem-1908	246	6	,	,	PUNCT
fbem-1908	246	7	wang	wang	PROPN
fbem-1908	246	8	hao	hao	PROPN
fbem-1908	246	9	.	.	PUNCT
fbem-1908	247	1	lending	lending	NOUN
fbem-1908	247	2	constraints	constraint	NOUN
fbem-1908	247	3	with	with	ADP
fbem-1908	247	4	household	household	NOUN
fbem-1908	247	5	consumption	consumption	NOUN
fbem-1908	247	6	—	—	PUNCT
fbem-1908	247	7	—	—	PUNCT
fbem-1908	247	8	from	from	ADP
fbem-1908	247	9	evidence	evidence	NOUN
fbem-1908	247	10	from	from	ADP
fbem-1908	247	11	cfps2018	cfps2018	PROPN
fbem-1908	247	12	[	[	X
fbem-1908	247	13	j	j	X
fbem-1908	247	14	]	]	X
fbem-1908	247	15	.	.	PUNCT
fbem-1908	248	1	consumer	consumer	NOUN
fbem-1908	248	2	economy	economy	NOUN
fbem-1908	248	3	,	,	PUNCT
fbem-1908	248	4	2021,37	2021,37	NUM
fbem-1908	248	5	(	(	PUNCT
fbem-1908	248	6	02	02	NUM
fbem-1908	248	7	):	):	PUNCT
fbem-1908	248	8	35	35	NUM
fbem-1908	248	9	-	-	SYM
fbem-1908	248	10	46	46	NUM
fbem-1908	248	11	.	.	PUNCT
fbem-1908	248	12	63	63	NUM
fbem-1908	249	1	[	[	SYM
fbem-1908	249	2	20	20	NUM
fbem-1908	249	3	]	]	X
fbem-1908	249	4	duan	duan	PROPN
fbem-1908	249	5	junshan	junshan	PROPN
fbem-1908	249	6	,	,	PUNCT
fbem-1908	249	7	cui	cui	NOUN
fbem-1908	249	8	mengshan	mengshan	NOUN
fbem-1908	249	9	.	.	PUNCT
fbem-1908	250	1	credit	credit	NOUN
fbem-1908	250	2	conaints	conaint	NOUN
fbem-1908	250	3	,	,	PUNCT
fbem-1908	250	4	risk	risk	NOUN
fbem-1908	250	5	attitudes	attitude	NOUN
fbem-1908	250	6	and	and	CCONJ
fbem-1908	250	7	family	family	NOUN
fbem-1908	250	8	asset	asset	NOUN
fbem-1908	250	9	selection	selection	NOUN
fbem-1908	251	1	[	[	X
fbem-1908	251	2	j	j	X
fbem-1908	251	3	]	]	X
fbem-1908	251	4	.	.	PUNCT
fbem-1908	252	1	statistical	statistical	ADJ
fbem-1908	252	2	research	research	NOUN
fbem-1908	252	3	,	,	PUNCT
fbem-1908	252	4	2016	2016	NUM
fbem-1908	252	5	(	(	PUNCT
fbem-1908	252	6	06	06	NUM
fbem-1908	252	7	):	):	PUNCT
fbem-1908	252	8	62	62	NUM
fbem-1908	252	9	-	-	SYM
fbem-1908	252	10	71	71	NUM
fbem-1908	252	11	.	.	PUNCT
fbem-1908	253	1	[	[	X
fbem-1908	253	2	21	21	NUM
fbem-1908	253	3	]	]	X
fbem-1908	253	4	li	li	PROPN
fbem-1908	253	5	jiangyi	jiangyi	PROPN
fbem-1908	253	6	,	,	PUNCT
fbem-1908	253	7	li	li	PROPN
fbem-1908	253	8	han	han	PROPN
fbem-1908	253	9	.	.	PUNCT
fbem-1908	254	1	how	how	SCONJ
fbem-1908	254	2	does	do	AUX
fbem-1908	254	3	consumer	consumer	NOUN
fbem-1908	254	4	credit	credit	NOUN
fbem-1908	254	5	affect	affect	VERB
fbem-1908	254	6	household	household	NOUN
fbem-1908	254	7	consumption?[j	consumption?[j	NOUN
fbem-1908	254	8	]	]	PUNCT
fbem-1908	254	9	.	.	PUNCT
fbem-1908	255	1	economic	economic	ADJ
fbem-1908	255	2	review	review	PROPN
fbem-1908	255	3	,	,	PUNCT
fbem-1908	255	4	2017	2017	NUM
fbem-1908	255	5	(	(	PUNCT
fbem-1908	255	6	02	02	NUM
fbem-1908	255	7	):	):	PUNCT
fbem-1908	255	8	113	113	NUM
fbem-1908	255	9	-	-	SYM
fbem-1908	255	10	126	126	NUM
fbem-1908	255	11	.	.	PUNCT
fbem-1908	256	1	[	[	X
fbem-1908	256	2	22	22	NUM
fbem-1908	256	3	]	]	X
fbem-1908	256	4	zhang	zhang	PROPN
fbem-1908	256	5	xun	xun	PROPN
fbem-1908	256	6	,	,	PUNCT
fbem-1908	256	7	yang	yang	PROPN
fbem-1908	256	8	tong	tong	PROPN
fbem-1908	256	9	,	,	PUNCT
fbem-1908	256	10	wang	wang	PROPN
fbem-1908	256	11	chen	chen	PROPN
fbem-1908	256	12	,	,	PUNCT
fbem-1908	256	13	wan	wan	PROPN
fbem-1908	256	14	guanghua	guanghua	PROPN
fbem-1908	256	15	.	.	PUNCT
fbem-1908	257	1	the	the	DET
fbem-1908	257	2	development	development	NOUN
fbem-1908	257	3	of	of	ADP
fbem-1908	257	4	digital	digital	ADJ
fbem-1908	257	5	finance	finance	NOUN
fbem-1908	257	6	and	and	CCONJ
fbem-1908	257	7	the	the	DET
fbem-1908	257	8	growth	growth	NOUN
fbem-1908	257	9	of	of	ADP
fbem-1908	257	10	household	household	NOUN
fbem-1908	257	11	consumption	consumption	NOUN
fbem-1908	257	12	:	:	PUNCT
fbem-1908	257	13	theory	theory	NOUN
fbem-1908	257	14	and	and	CCONJ
fbem-1908	257	15	practice	practice	NOUN
fbem-1908	257	16	in	in	ADP
fbem-1908	257	17	china	china	PROPN
fbem-1908	258	1	[	[	X
fbem-1908	258	2	j	j	X
fbem-1908	258	3	]	]	X
fbem-1908	258	4	.	.	PUNCT
fbem-1908	259	1	managing	manage	VERB
fbem-1908	259	2	the	the	DET
fbem-1908	259	3	world	world	NOUN
fbem-1908	259	4	,	,	PUNCT
fbem-1908	259	5	2020	2020	NUM
fbem-1908	259	6	(	(	PUNCT
fbem-1908	259	7	11	11	NUM
fbem-1908	259	8	):	):	PUNCT
fbem-1908	259	9	48	48	NUM
fbem-1908	259	10	-	-	SYM
fbem-1908	259	11	63	63	NUM
fbem-1908	259	12	.	.	PUNCT
fbem-1908	260	1	[	[	X
fbem-1908	260	2	23	23	NUM
fbem-1908	260	3	]	]	X
fbem-1908	260	4	qian	qian	PROPN
fbem-1908	260	5	haizhang	haizhang	PROPN
fbem-1908	260	6	,	,	PUNCT
fbem-1908	260	7	tao	tao	PROPN
fbem-1908	260	8	yunqing	yunqing	NOUN
fbem-1908	260	9	,	,	PUNCT
fbem-1908	260	10	cao	cao	PROPN
fbem-1908	260	11	songwei	songwei	PROPN
fbem-1908	260	12	,	,	PUNCT
fbem-1908	260	13	cao	cao	PROPN
fbem-1908	260	14	yuyang	yuyang	PROPN
fbem-1908	260	15	.	.	PUNCT
fbem-1908	261	1	the	the	DET
fbem-1908	261	2	theory	theory	NOUN
fbem-1908	261	3	and	and	CCONJ
fbem-1908	261	4	empirical	empirical	ADJ
fbem-1908	261	5	evidence	evidence	NOUN
fbem-1908	261	6	of	of	ADP
fbem-1908	261	7	digital	digital	ADJ
fbem-1908	261	8	finance	finance	NOUN
fbem-1908	261	9	development	development	NOUN
fbem-1908	261	10	and	and	CCONJ
fbem-1908	261	11	economic	economic	ADJ
fbem-1908	261	12	growth	growth	NOUN
fbem-1908	261	13	in	in	ADP
fbem-1908	261	14	china	china	PROPN
fbem-1908	262	1	[	[	X
fbem-1908	262	2	j	j	X
fbem-1908	262	3	]	]	X
fbem-1908	262	4	.	.	PUNCT
fbem-1908	263	1	quantitative	quantitative	ADJ
fbem-1908	263	2	economy	economy	NOUN
fbem-1908	263	3	,	,	PUNCT
fbem-1908	263	4	technical	technical	ADJ
fbem-1908	263	5	and	and	CCONJ
fbem-1908	263	6	economic	economic	ADJ
fbem-1908	263	7	research	research	NOUN
fbem-1908	263	8	,	,	PUNCT
fbem-1908	263	9	2020	2020	NUM
fbem-1908	263	10	(	(	PUNCT
fbem-1908	263	11	06	06	NUM
fbem-1908	263	12	):	):	PUNCT
fbem-1908	263	13	26	26	NUM
fbem-1908	263	14	-	-	SYM
fbem-1908	263	15	46	46	NUM
fbem-1908	263	16	.	.	PUNCT
fbem-1908	264	1	[	[	X
fbem-1908	264	2	24	24	NUM
fbem-1908	264	3	]	]	X
fbem-1908	264	4	wan	wan	PROPN
fbem-1908	264	5	jia	jia	PROPN
fbem-1908	264	6	yu	yu	PROPN
fbem-1908	264	7	,	,	PUNCT
fbem-1908	264	8	zhou	zhou	PROPN
fbem-1908	264	9	qin	qin	PROPN
fbem-1908	264	10	,	,	PUNCT
fbem-1908	264	11	xiao	xiao	PROPN
fbem-1908	264	12	yi	yi	PROPN
fbem-1908	264	13	.	.	PUNCT
fbem-1908	265	1	digital	digital	PROPN
fbem-1908	265	2	finance	finance	NOUN
fbem-1908	265	3	,	,	PUNCT
fbem-1908	265	4	financing	financing	NOUN
fbem-1908	265	5	constraints	constraint	NOUN
fbem-1908	265	6	,	,	PUNCT
fbem-1908	265	7	and	and	CCONJ
fbem-1908	265	8	enterprise	enterprise	NOUN
fbem-1908	265	9	innovation	innovation	NOUN
fbem-1908	266	1	[	[	X
fbem-1908	266	2	j	j	X
fbem-1908	266	3	]	]	X
fbem-1908	266	4	.	.	PUNCT
fbem-1908	267	1	economic	economic	ADJ
fbem-1908	267	2	review	review	PROPN
fbem-1908	267	3	,	,	PUNCT
fbem-1908	267	4	2020	2020	NUM
fbem-1908	267	5	(	(	PUNCT
fbem-1908	267	6	01	01	NUM
fbem-1908	267	7	):	):	PUNCT
fbem-1908	267	8	71	71	NUM
fbem-1908	267	9	-	-	SYM
fbem-1908	267	10	83	83	NUM
fbem-1908	267	11	.	.	PUNCT
fbem-1908	268	1	[	[	X
fbem-1908	268	2	25	25	NUM
fbem-1908	268	3	]	]	X
fbem-1908	268	4	yi	yi	PROPN
fbem-1908	268	5	hang	hang	PROPN
fbem-1908	268	6	jian	jian	PROPN
fbem-1908	268	7	,	,	PUNCT
fbem-1908	268	8	zhou	zhou	PROPN
fbem-1908	268	9	li	li	PROPN
fbem-1908	268	10	.	.	PUNCT
fbem-1908	269	1	whether	whether	SCONJ
fbem-1908	269	2	the	the	DET
fbem-1908	269	3	development	development	NOUN
fbem-1908	269	4	of	of	ADP
fbem-1908	269	5	digital	digital	ADJ
fbem-1908	269	6	inclusive	inclusive	ADJ
fbem-1908	269	7	finance	finance	NOUN
fbem-1908	269	8	has	have	AUX
fbem-1908	269	9	significantly	significantly	ADV
fbem-1908	269	10	influenced	influence	VERB
fbem-1908	269	11	the	the	DET
fbem-1908	269	12	microevidence	microevidence	NOUN
fbem-1908	269	13	of	of	ADP
fbem-1908	269	14	household	household	NOUN
fbem-1908	269	15	consumption	consumption	NOUN
fbem-1908	269	16	—	—	PUNCT
fbem-1908	269	17	—	—	PUNCT
fbem-1908	269	18	from	from	ADP
fbem-1908	269	19	chinese	chinese	ADJ
fbem-1908	269	20	families	family	NOUN
fbem-1908	270	1	[	[	X
fbem-1908	270	2	j	j	X
fbem-1908	270	3	]	]	X
fbem-1908	270	4	.	.	PUNCT
fbem-1908	271	1	financial	financial	ADJ
fbem-1908	271	2	research	research	NOUN
fbem-1908	271	3	,	,	PUNCT
fbem-1908	271	4	2018	2018	NUM
fbem-1908	271	5	(	(	PUNCT
fbem-1908	271	6	11	11	NUM
fbem-1908	271	7	):	):	PUNCT
fbem-1908	271	8	47	47	NUM
fbem-1908	271	9	-	-	SYM
fbem-1908	271	10	67	67	NUM
fbem-1908	271	11	.	.	PUNCT
fbem-1908	272	1	[	[	X
fbem-1908	272	2	26	26	NUM
fbem-1908	272	3	]	]	X
fbem-1908	272	4	yin	yin	PROPN
fbem-1908	272	5	zhichao	zhichao	PROPN
fbem-1908	272	6	,	,	PUNCT
fbem-1908	272	7	dong	dong	PROPN
fbem-1908	272	8	zhang	zhang	PROPN
fbem-1908	272	9	dong	dong	PROPN
fbem-1908	272	10	.	.	PUNCT
fbem-1908	273	1	financial	financial	ADJ
fbem-1908	273	2	knowledge	knowledge	NOUN
fbem-1908	273	3	and	and	CCONJ
fbem-1908	273	4	chinese	chinese	ADJ
fbem-1908	273	5	household	household	NOUN
fbem-1908	273	6	wealth	wealth	NOUN
fbem-1908	273	7	gap	gap	NOUN
fbem-1908	273	8	—	—	PUNCT
fbem-1908	273	9	—	—	PUNCT
fbem-1908	273	10	from	from	ADP
fbem-1908	273	11	evidence	evidence	NOUN
fbem-1908	273	12	from	from	ADP
fbem-1908	273	13	chfs	chfs	ADJ
fbem-1908	273	14	data	datum	NOUN
fbem-1908	274	1	[	[	X
fbem-1908	274	2	j	j	X
fbem-1908	274	3	]	]	X
fbem-1908	274	4	.	.	PUNCT
fbem-1908	275	1	international	international	ADJ
fbem-1908	275	2	finance	finance	NOUN
fbem-1908	275	3	research	research	NOUN
fbem-1908	275	4	,	,	PUNCT
fbem-1908	275	5	2017	2017	NUM
fbem-1908	275	6	(	(	PUNCT
fbem-1908	275	7	10	10	NUM
fbem-1908	275	8	):	):	PUNCT
fbem-1908	275	9	76	76	NUM
fbem-1908	275	10	-	-	SYM
fbem-1908	275	11	86	86	NUM
fbem-1908	275	12	.	.	PUNCT
fbem-1908	276	1	[	[	X
fbem-1908	276	2	27	27	NUM
fbem-1908	276	3	]	]	X
fbem-1908	276	4	van	van	PROPN
fbem-1908	276	5	rooij	rooij	PROPN
fbem-1908	276	6	m	m	PROPN
fbem-1908	276	7	,	,	PUNCT
fbem-1908	276	8	lusardi	lusardi	VERB
fbem-1908	276	9	a	a	PRON
fbem-1908	276	10	,	,	PUNCT
fbem-1908	276	11	alessie	alessie	ADJ
fbem-1908	276	12	r	r	NOUN
fbem-1908	276	13	,	,	PUNCT
fbem-1908	276	14	et	et	NOUN
fbem-1908	276	15	al.financial	al.financial	ADJ
fbem-1908	276	16	literacy	literacy	NOUN
fbem-1908	276	17	and	and	CCONJ
fbem-1908	276	18	stock	stock	NOUN
fbem-1908	276	19	market	market	NOUN
fbem-1908	276	20	participation[j].journal	participation[j].journal	NOUN
fbem-1908	276	21	of	of	ADP
fbem-1908	276	22	financial	financial	ADJ
fbem-1908	276	23	economics	economic	NOUN
fbem-1908	276	24	,	,	PUNCT
fbem-1908	276	25	2011,101(2	2011,101(2	NUM
fbem-1908	276	26	):	):	PUNCT
fbem-1908	276	27	449	449	NUM
fbem-1908	276	28	-	-	SYM
fbem-1908	276	29	472	472	NUM
fbem-1908	276	30	.	.	PUNCT
fbem-1908	277	1	[	[	X
fbem-1908	277	2	28	28	NUM
fbem-1908	277	3	]	]	X
fbem-1908	277	4	yu	yu	PROPN
fbem-1908	277	5	wenjian	wenjian	PROPN
fbem-1908	277	6	,	,	PUNCT
fbem-1908	277	7	wu	wu	PROPN
fbem-1908	277	8	yue	yue	PROPN
fbem-1908	277	9	,	,	PUNCT
fbem-1908	277	10	hua	hua	PROPN
fbem-1908	277	11	guobin	guobin	PROPN
fbem-1908	277	12	.	.	PUNCT
fbem-1908	278	1	the	the	DET
fbem-1908	278	2	model	model	NOUN
fbem-1908	278	3	construction	construction	NOUN
fbem-1908	278	4	and	and	CCONJ
fbem-1908	278	5	analysis	analysis	NOUN
fbem-1908	278	6	of	of	ADP
fbem-1908	278	7	the	the	DET
fbem-1908	278	8	consumer	consumer	NOUN
fbem-1908	278	9	financial	financial	ADJ
fbem-1908	278	10	literacy	literacy	NOUN
fbem-1908	278	11	index	index	NOUN
fbem-1908	278	12	[	[	X
fbem-1908	278	13	j	j	X
fbem-1908	278	14	]	]	X
fbem-1908	278	15	.	.	PUNCT
fbem-1908	279	1	shanghai	shanghai	PROPN
fbem-1908	279	2	finance	finance	PROPN
fbem-1908	279	3	,	,	PUNCT
fbem-1908	279	4	2017	2017	NUM
fbem-1908	279	5	(	(	PUNCT
fbem-1908	279	6	04	04	NUM
fbem-1908	279	7	):	):	PUNCT
fbem-1908	279	8	27	27	NUM
fbem-1908	279	9	-	-	SYM
fbem-1908	279	10	34	34	NUM
fbem-1908	279	11	.	.	PUNCT
fbem-1908	280	1	[	[	X
fbem-1908	280	2	29	29	NUM
fbem-1908	280	3	]	]	PUNCT
fbem-1908	280	4	xie	xie	PROPN
fbem-1908	280	5	jiaji	jiaji	PROPN
fbem-1908	280	6	,	,	PUNCT
fbem-1908	280	7	wu	wu	PROPN
fbem-1908	280	8	jingru	jingru	PROPN
fbem-1908	280	9	.	.	PUNCT
fbem-1908	281	1	digital	digital	ADJ
fbem-1908	281	2	finance	finance	NOUN
fbem-1908	281	3	,	,	PUNCT
fbem-1908	281	4	credit	credit	NOUN
fbem-1908	281	5	constraints	constraint	NOUN
fbem-1908	281	6	,	,	PUNCT
fbem-1908	281	7	and	and	CCONJ
fbem-1908	281	8	household	household	NOUN
fbem-1908	281	9	consumption	consumption	NOUN
fbem-1908	282	1	[	[	X
fbem-1908	282	2	j	j	X
fbem-1908	282	3	]	]	X
fbem-1908	282	4	.	.	PUNCT
fbem-1908	283	1	journal	journal	PROPN
fbem-1908	283	2	of	of	ADP
fbem-1908	283	3	central	central	PROPN
fbem-1908	283	4	south	south	PROPN
fbem-1908	283	5	university	university	PROPN
fbem-1908	283	6	(	(	PUNCT
fbem-1908	283	7	social	social	ADJ
fbem-1908	283	8	science	science	NOUN
fbem-1908	283	9	edition	edition	PROPN
fbem-1908	283	10	)	)	PUNCT
fbem-1908	283	11	,	,	PUNCT
fbem-1908	283	12	2020	2020	NUM
fbem-1908	283	13	(	(	PUNCT
fbem-1908	283	14	02	02	NUM
fbem-1908	283	15	):	):	PUNCT
fbem-1908	283	16	9	9	NUM
fbem-1908	283	17	-	-	SYM
fbem-1908	283	18	20	20	NUM
fbem-1908	283	19	.	.	PUNCT
fbem-1908	284	1	[	[	X
fbem-1908	284	2	30	30	NUM
fbem-1908	284	3	]	]	X
fbem-1908	284	4	wen	wen	PROPN
fbem-1908	284	5	zhonglin	zhonglin	PROPN
fbem-1908	284	6	,	,	PUNCT
fbem-1908	284	7	fan	fan	PROPN
fbem-1908	284	8	xitao	xitao	PROPN
fbem-1908	284	9	,	,	PUNCT
fbem-1908	284	10	ye	ye	PROPN
fbem-1908	284	11	baojuan	baojuan	PROPN
fbem-1908	284	12	,	,	PUNCT
fbem-1908	284	13	chen	chen	PROPN
fbem-1908	284	14	yushuai	yushuai	PROPN
fbem-1908	284	15	.	.	PUNCT
fbem-1908	285	1	the	the	DET
fbem-1908	285	2	rationality	rationality	NOUN
fbem-1908	285	3	of	of	ADP
fbem-1908	285	4	intermediary	intermediary	ADJ
fbem-1908	285	5	effect	effect	NOUN
fbem-1908	285	6	size	size	NOUN
fbem-1908	285	7	from	from	ADP
fbem-1908	285	8	the	the	DET
fbem-1908	285	9	nature	nature	NOUN
fbem-1908	285	10	of	of	ADP
fbem-1908	285	11	effect	effect	NOUN
fbem-1908	285	12	size	size	NOUN
fbem-1908	285	13	[	[	X
fbem-1908	285	14	j	j	X
fbem-1908	285	15	]	]	X
fbem-1908	285	16	.	.	PUNCT
fbem-1908	286	1	psychological	psychological	ADJ
fbem-1908	286	2	journal	journal	NOUN
fbem-1908	286	3	,	,	PUNCT
fbem-1908	286	4	2016	2016	NUM
fbem-1908	286	5	(	(	PUNCT
fbem-1908	286	6	04	04	NUM
fbem-1908	286	7	):	):	PUNCT
fbem-1908	286	8	435	435	NUM
fbem-1908	286	9	-	-	SYM
fbem-1908	286	10	443	443	NUM
fbem-1908	286	11	.	.	PUNCT
fbem-1908	287	1	[	[	X
fbem-1908	287	2	31	31	NUM
fbem-1908	287	3	]	]	X
fbem-1908	287	4	guo	guo	PROPN
fbem-1908	287	5	-	-	PUNCT
fbem-1908	287	6	qiang	qiang	PROPN
fbem-1908	287	7	liu	liu	PROPN
fbem-1908	287	8	.	.	PROPN
fbem-1908	287	9	—	—	PUNCT
fbem-1908	287	10	—	—	PUNCT
fbem-1908	287	11	is	be	AUX
fbem-1908	287	12	based	base	VERB
fbem-1908	287	13	on	on	ADP
fbem-1908	287	14	the	the	DET
fbem-1908	287	15	2017	2017	NUM
fbem-1908	287	16	consumer	consumer	NOUN
fbem-1908	287	17	financial	financial	ADJ
fbem-1908	287	18	literacy	literacy	NOUN
fbem-1908	287	19	questionnaire	questionnaire	NOUN
fbem-1908	288	1	[	[	X
fbem-1908	288	2	j	j	X
fbem-1908	288	3	]	]	X
fbem-1908	288	4	.	.	PUNCT
fbem-1908	289	1	financial	financial	ADJ
fbem-1908	289	2	research	research	NOUN
fbem-1908	289	3	,	,	PUNCT
fbem-1908	289	4	2018	2018	NUM
fbem-1908	289	5	(	(	PUNCT
fbem-1908	289	6	03	03	NUM
fbem-1908	289	7	):	):	PUNCT
fbem-1908	289	8	120	120	NUM
fbem-1908	289	9	.	.	PUNCT