id	sid	tid	token	lemma	pos
fbem-19592	1	1	frontiers	frontier	NOUN
fbem-19592	1	2	in	in	ADP
fbem-19592	1	3	business	business	NOUN
fbem-19592	1	4	,	,	PUNCT
fbem-19592	1	5	economics	economic	NOUN
fbem-19592	1	6	and	and	CCONJ
fbem-19592	1	7	management	management	NOUN
fbem-19592	1	8	issn	issn	PROPN
fbem-19592	1	9	:	:	PUNCT
fbem-19592	1	10	2766	2766	NUM
fbem-19592	1	11	-	-	PUNCT
fbem-19592	1	12	824x	824x	NUM
fbem-19592	1	13	|	|	ADJ
fbem-19592	1	14	vol	vol	NOUN
fbem-19592	1	15	.	.	PUNCT
fbem-19592	2	1	14	14	NUM
fbem-19592	2	2	,	,	PUNCT
fbem-19592	2	3	no	no	INTJ
fbem-19592	2	4	.	.	NOUN
fbem-19592	2	5	2	2	NUM
fbem-19592	2	6	,	,	PUNCT
fbem-19592	2	7	2024	2024	NUM
fbem-19592	2	8	61	61	NUM
fbem-19592	2	9	exploring	explore	VERB
fbem-19592	2	10	the	the	DET
fbem-19592	2	11	association	association	NOUN
fbem-19592	2	12	between	between	ADP
fbem-19592	2	13	corporate	corporate	ADJ
fbem-19592	2	14	financial	financial	ADJ
fbem-19592	2	15	credit	credit	NOUN
fbem-19592	2	16	risk	risk	NOUN
fbem-19592	2	17	management	management	NOUN
fbem-19592	2	18	and	and	CCONJ
fbem-19592	2	19	corporate	corporate	ADJ
fbem-19592	2	20	value	value	NOUN
fbem-19592	2	21	sipeng	sipeng	PROPN
fbem-19592	2	22	qiu	qiu	PROPN
fbem-19592	2	23	one	one	NUM
fbem-19592	2	24	direction	direction	NOUN
fbem-19592	2	25	academy	academy	PROPN
fbem-19592	2	26	,	,	PUNCT
fbem-19592	2	27	toronto	toronto	PROPN
fbem-19592	2	28	,	,	PUNCT
fbem-19592	2	29	ontario	ontario	PROPN
fbem-19592	2	30	,	,	PUNCT
fbem-19592	2	31	canada	canada	PROPN
fbem-19592	2	32	abstract	abstract	PROPN
fbem-19592	2	33	:	:	PUNCT
fbem-19592	2	34	in	in	ADP
fbem-19592	2	35	the	the	DET
fbem-19592	2	36	rapidly	rapidly	ADV
fbem-19592	2	37	changing	change	VERB
fbem-19592	2	38	business	business	NOUN
fbem-19592	2	39	environment	environment	NOUN
fbem-19592	2	40	,	,	PUNCT
fbem-19592	2	41	corporate	corporate	ADJ
fbem-19592	2	42	financial	financial	ADJ
fbem-19592	2	43	credit	credit	NOUN
fbem-19592	2	44	risk	risk	NOUN
fbem-19592	2	45	management	management	NOUN
fbem-19592	2	46	has	have	AUX
fbem-19592	2	47	become	become	VERB
fbem-19592	2	48	a	a	DET
fbem-19592	2	49	key	key	ADJ
fbem-19592	2	50	factor	factor	NOUN
fbem-19592	2	51	in	in	ADP
fbem-19592	2	52	the	the	DET
fbem-19592	2	53	stable	stable	ADJ
fbem-19592	2	54	operation	operation	NOUN
fbem-19592	2	55	and	and	CCONJ
fbem-19592	2	56	continuous	continuous	ADJ
fbem-19592	2	57	value	value	NOUN
fbem-19592	2	58	enhancement	enhancement	NOUN
fbem-19592	2	59	of	of	ADP
fbem-19592	2	60	enterprises	enterprise	NOUN
fbem-19592	2	61	.	.	PUNCT
fbem-19592	3	1	corporate	corporate	ADJ
fbem-19592	3	2	value	value	NOUN
fbem-19592	3	3	is	be	AUX
fbem-19592	3	4	reflected	reflect	VERB
fbem-19592	3	5	not	not	PART
fbem-19592	3	6	only	only	ADV
fbem-19592	3	7	in	in	ADP
fbem-19592	3	8	its	its	PRON
fbem-19592	3	9	tangible	tangible	ADJ
fbem-19592	3	10	assets	asset	NOUN
fbem-19592	3	11	but	but	CCONJ
fbem-19592	3	12	also	also	ADV
fbem-19592	3	13	in	in	ADP
fbem-19592	3	14	its	its	PRON
fbem-19592	3	15	intangible	intangible	ADJ
fbem-19592	3	16	assets	asset	NOUN
fbem-19592	3	17	and	and	CCONJ
fbem-19592	3	18	management	management	NOUN
fbem-19592	3	19	capabilities	capability	NOUN
fbem-19592	3	20	.	.	PUNCT
fbem-19592	4	1	among	among	ADP
fbem-19592	4	2	them	they	PRON
fbem-19592	4	3	,	,	PUNCT
fbem-19592	4	4	financial	financial	ADJ
fbem-19592	4	5	credit	credit	NOUN
fbem-19592	4	6	risk	risk	NOUN
fbem-19592	4	7	management	management	NOUN
fbem-19592	4	8	,	,	PUNCT
fbem-19592	4	9	as	as	ADP
fbem-19592	4	10	an	an	DET
fbem-19592	4	11	important	important	ADJ
fbem-19592	4	12	part	part	NOUN
fbem-19592	4	13	of	of	ADP
fbem-19592	4	14	corporate	corporate	ADJ
fbem-19592	4	15	management	management	NOUN
fbem-19592	4	16	,	,	PUNCT
fbem-19592	4	17	is	be	AUX
fbem-19592	4	18	increasingly	increasingly	ADV
fbem-19592	4	19	being	be	AUX
fbem-19592	4	20	paid	pay	VERB
fbem-19592	4	21	attention	attention	NOUN
fbem-19592	4	22	to	to	ADP
fbem-19592	4	23	for	for	ADP
fbem-19592	4	24	its	its	PRON
fbem-19592	4	25	association	association	NOUN
fbem-19592	4	26	with	with	ADP
fbem-19592	4	27	corporate	corporate	ADJ
fbem-19592	4	28	value	value	NOUN
fbem-19592	4	29	.	.	PUNCT
fbem-19592	5	1	financial	financial	ADJ
fbem-19592	5	2	credit	credit	NOUN
fbem-19592	5	3	risk	risk	NOUN
fbem-19592	5	4	management	management	NOUN
fbem-19592	5	5	involves	involve	VERB
fbem-19592	5	6	the	the	DET
fbem-19592	5	7	identification	identification	NOUN
fbem-19592	5	8	,	,	PUNCT
fbem-19592	5	9	assessment	assessment	NOUN
fbem-19592	5	10	,	,	PUNCT
fbem-19592	5	11	monitoring	monitoring	NOUN
fbem-19592	5	12	,	,	PUNCT
fbem-19592	5	13	and	and	CCONJ
fbem-19592	5	14	control	control	NOUN
fbem-19592	5	15	of	of	ADP
fbem-19592	5	16	risks	risk	NOUN
fbem-19592	5	17	related	relate	VERB
fbem-19592	5	18	to	to	ADP
fbem-19592	5	19	financial	financial	ADJ
fbem-19592	5	20	activities	activity	NOUN
fbem-19592	5	21	,	,	PUNCT
fbem-19592	5	22	which	which	PRON
fbem-19592	5	23	may	may	AUX
fbem-19592	5	24	stem	stem	VERB
fbem-19592	5	25	from	from	ADP
fbem-19592	5	26	market	market	NOUN
fbem-19592	5	27	changes	change	NOUN
fbem-19592	5	28	,	,	PUNCT
fbem-19592	5	29	credit	credit	NOUN
fbem-19592	5	30	defaults	default	NOUN
fbem-19592	5	31	,	,	PUNCT
fbem-19592	5	32	operational	operational	ADJ
fbem-19592	5	33	errors	error	NOUN
fbem-19592	5	34	,	,	PUNCT
fbem-19592	5	35	and	and	CCONJ
fbem-19592	5	36	more	more	ADJ
fbem-19592	5	37	.	.	PUNCT
fbem-19592	6	1	effective	effective	ADJ
fbem-19592	6	2	financial	financial	ADJ
fbem-19592	6	3	credit	credit	NOUN
fbem-19592	6	4	risk	risk	NOUN
fbem-19592	6	5	management	management	NOUN
fbem-19592	6	6	not	not	PART
fbem-19592	6	7	only	only	ADV
fbem-19592	6	8	helps	help	VERB
fbem-19592	6	9	enterprises	enterprise	NOUN
fbem-19592	6	10	reduce	reduce	VERB
fbem-19592	6	11	potential	potential	ADJ
fbem-19592	6	12	losses	loss	NOUN
fbem-19592	6	13	and	and	CCONJ
fbem-19592	6	14	protect	protect	VERB
fbem-19592	6	15	asset	asset	NOUN
fbem-19592	6	16	safety	safety	NOUN
fbem-19592	6	17	but	but	CCONJ
fbem-19592	6	18	also	also	ADV
fbem-19592	6	19	enhances	enhance	VERB
fbem-19592	6	20	the	the	DET
fbem-19592	6	21	market	market	NOUN
fbem-19592	6	22	reputation	reputation	NOUN
fbem-19592	6	23	and	and	CCONJ
fbem-19592	6	24	competitiveness	competitiveness	NOUN
fbem-19592	6	25	of	of	ADP
fbem-19592	6	26	enterprises	enterprise	NOUN
fbem-19592	6	27	,	,	PUNCT
fbem-19592	6	28	thereby	thereby	ADV
fbem-19592	6	29	increasing	increase	VERB
fbem-19592	6	30	their	their	PRON
fbem-19592	6	31	overall	overall	ADJ
fbem-19592	6	32	value	value	NOUN
fbem-19592	6	33	.	.	PUNCT
fbem-19592	7	1	with	with	ADP
fbem-19592	7	2	the	the	DET
fbem-19592	7	3	continuous	continuous	ADJ
fbem-19592	7	4	development	development	NOUN
fbem-19592	7	5	of	of	ADP
fbem-19592	7	6	financial	financial	ADJ
fbem-19592	7	7	markets	market	NOUN
fbem-19592	7	8	and	and	CCONJ
fbem-19592	7	9	the	the	DET
fbem-19592	7	10	strengthening	strengthening	NOUN
fbem-19592	7	11	of	of	ADP
fbem-19592	7	12	globalization	globalization	NOUN
fbem-19592	7	13	trends	trend	NOUN
fbem-19592	7	14	,	,	PUNCT
fbem-19592	7	15	the	the	DET
fbem-19592	7	16	financial	financial	ADJ
fbem-19592	7	17	credit	credit	NOUN
fbem-19592	7	18	risks	risk	NOUN
fbem-19592	7	19	faced	face	VERB
fbem-19592	7	20	by	by	ADP
fbem-19592	7	21	enterprises	enterprise	NOUN
fbem-19592	7	22	are	be	AUX
fbem-19592	7	23	becoming	become	VERB
fbem-19592	7	24	increasingly	increasingly	ADV
fbem-19592	7	25	complex	complex	ADJ
fbem-19592	7	26	and	and	CCONJ
fbem-19592	7	27	varied	varied	ADJ
fbem-19592	7	28	.	.	PUNCT
fbem-19592	8	1	therefore	therefore	ADV
fbem-19592	8	2	,	,	PUNCT
fbem-19592	8	3	building	build	VERB
fbem-19592	8	4	a	a	DET
fbem-19592	8	5	comprehensive	comprehensive	ADJ
fbem-19592	8	6	financial	financial	ADJ
fbem-19592	8	7	credit	credit	NOUN
fbem-19592	8	8	risk	risk	NOUN
fbem-19592	8	9	management	management	NOUN
fbem-19592	8	10	system	system	NOUN
fbem-19592	8	11	and	and	CCONJ
fbem-19592	8	12	enhancing	enhance	VERB
fbem-19592	8	13	the	the	DET
fbem-19592	8	14	risk	risk	NOUN
fbem-19592	8	15	management	management	NOUN
fbem-19592	8	16	capabilities	capability	NOUN
fbem-19592	8	17	of	of	ADP
fbem-19592	8	18	enterprises	enterprise	NOUN
fbem-19592	8	19	have	have	AUX
fbem-19592	8	20	become	become	VERB
fbem-19592	8	21	key	key	ADJ
fbem-19592	8	22	to	to	ADP
fbem-19592	8	23	achieving	achieve	VERB
fbem-19592	8	24	sustainable	sustainable	ADJ
fbem-19592	8	25	development	development	NOUN
fbem-19592	8	26	and	and	CCONJ
fbem-19592	8	27	creating	create	VERB
fbem-19592	8	28	long	long	ADJ
fbem-19592	8	29	-	-	PUNCT
fbem-19592	8	30	term	term	NOUN
fbem-19592	8	31	value	value	NOUN
fbem-19592	8	32	.	.	PUNCT
fbem-19592	9	1	keywords	keyword	NOUN
fbem-19592	9	2	:	:	PUNCT
fbem-19592	9	3	credit	credit	NOUN
fbem-19592	9	4	risk	risk	NOUN
fbem-19592	9	5	management	management	NOUN
fbem-19592	9	6	;	;	PUNCT
fbem-19592	9	7	corporate	corporate	ADJ
fbem-19592	9	8	value	value	NOUN
fbem-19592	9	9	;	;	PUNCT
fbem-19592	9	10	management	management	NOUN
fbem-19592	9	11	system	system	NOUN
fbem-19592	9	12	.	.	PUNCT
fbem-19592	10	1	1	1	X
fbem-19592	10	2	.	.	X
fbem-19592	10	3	core	core	NOUN
fbem-19592	10	4	elements	element	NOUN
fbem-19592	10	5	of	of	ADP
fbem-19592	10	6	corporate	corporate	ADJ
fbem-19592	10	7	financial	financial	ADJ
fbem-19592	10	8	credit	credit	NOUN
fbem-19592	10	9	risk	risk	NOUN
fbem-19592	10	10	management	management	NOUN
fbem-19592	10	11	1.1	1.1	NUM
fbem-19592	10	12	.	.	PUNCT
fbem-19592	11	1	credit	credit	NOUN
fbem-19592	11	2	assessment	assessment	NOUN
fbem-19592	11	3	and	and	CCONJ
fbem-19592	11	4	rating	rating	NOUN
fbem-19592	11	5	credit	credit	NOUN
fbem-19592	11	6	assessment	assessment	NOUN
fbem-19592	11	7	and	and	CCONJ
fbem-19592	11	8	rating	rating	NOUN
fbem-19592	11	9	play	play	VERB
fbem-19592	11	10	a	a	DET
fbem-19592	11	11	crucial	crucial	ADJ
fbem-19592	11	12	role	role	NOUN
fbem-19592	11	13	in	in	ADP
fbem-19592	11	14	corporate	corporate	ADJ
fbem-19592	11	15	financial	financial	ADJ
fbem-19592	11	16	credit	credit	NOUN
fbem-19592	11	17	risk	risk	NOUN
fbem-19592	11	18	management	management	NOUN
fbem-19592	11	19	,	,	PUNCT
fbem-19592	11	20	serving	serve	VERB
fbem-19592	11	21	as	as	ADP
fbem-19592	11	22	the	the	DET
fbem-19592	11	23	primary	primary	ADJ
fbem-19592	11	24	step	step	NOUN
fbem-19592	11	25	in	in	ADP
fbem-19592	11	26	a	a	DET
fbem-19592	11	27	comprehensive	comprehensive	ADJ
fbem-19592	11	28	review	review	NOUN
fbem-19592	11	29	of	of	ADP
fbem-19592	11	30	the	the	DET
fbem-19592	11	31	credit	credit	NOUN
fbem-19592	11	32	status	status	NOUN
fbem-19592	11	33	of	of	ADP
fbem-19592	11	34	external	external	ADJ
fbem-19592	11	35	trading	trading	NOUN
fbem-19592	11	36	counterparts	counterpart	NOUN
fbem-19592	11	37	.	.	PUNCT
fbem-19592	12	1	in	in	ADP
fbem-19592	12	2	this	this	DET
fbem-19592	12	3	step	step	NOUN
fbem-19592	12	4	,	,	PUNCT
fbem-19592	12	5	enterprises	enterprise	NOUN
fbem-19592	12	6	need	need	VERB
fbem-19592	12	7	to	to	PART
fbem-19592	12	8	conduct	conduct	VERB
fbem-19592	12	9	in	in	ADP
fbem-19592	12	10	-	-	PUNCT
fbem-19592	12	11	depth	depth	NOUN
fbem-19592	12	12	and	and	CCONJ
fbem-19592	12	13	meticulous	meticulous	ADJ
fbem-19592	12	14	analysis	analysis	NOUN
fbem-19592	12	15	and	and	CCONJ
fbem-19592	12	16	rating	rating	NOUN
fbem-19592	12	17	of	of	ADP
fbem-19592	12	18	the	the	DET
fbem-19592	12	19	credit	credit	NOUN
fbem-19592	12	20	status	status	NOUN
fbem-19592	12	21	of	of	ADP
fbem-19592	12	22	partners	partner	NOUN
fbem-19592	12	23	,	,	PUNCT
fbem-19592	12	24	including	include	VERB
fbem-19592	12	25	customers	customer	NOUN
fbem-19592	12	26	,	,	PUNCT
fbem-19592	12	27	suppliers	supplier	NOUN
fbem-19592	12	28	,	,	PUNCT
fbem-19592	12	29	financial	financial	ADJ
fbem-19592	12	30	institutions	institution	NOUN
fbem-19592	12	31	,	,	PUNCT
fbem-19592	12	32	etc	etc	X
fbem-19592	12	33	.	.	X
fbem-19592	12	34	,	,	PUNCT
fbem-19592	12	35	as	as	SCONJ
fbem-19592	12	36	shown	show	VERB
fbem-19592	12	37	in	in	ADP
fbem-19592	12	38	figure	figure	NOUN
fbem-19592	12	39	1	1	NUM
fbem-19592	12	40	.	.	PUNCT
fbem-19592	12	41	credit	credit	NOUN
fbem-19592	12	42	assessment	assessment	NOUN
fbem-19592	12	43	and	and	CCONJ
fbem-19592	12	44	rating	rating	NOUN
fbem-19592	12	45	require	require	NOUN
fbem-19592	12	46	enterprises	enterprise	NOUN
fbem-19592	12	47	to	to	PART
fbem-19592	12	48	systematically	systematically	ADV
fbem-19592	12	49	collect	collect	VERB
fbem-19592	12	50	and	and	CCONJ
fbem-19592	12	51	analyze	analyze	VERB
fbem-19592	12	52	various	various	ADJ
fbem-19592	12	53	types	type	NOUN
fbem-19592	12	54	of	of	ADP
fbem-19592	12	55	information	information	NOUN
fbem-19592	12	56	about	about	ADP
fbem-19592	12	57	trading	trading	NOUN
fbem-19592	12	58	counterparts	counterpart	NOUN
fbem-19592	12	59	.	.	PUNCT
fbem-19592	13	1	financial	financial	ADJ
fbem-19592	13	2	statements	statement	NOUN
fbem-19592	13	3	are	be	AUX
fbem-19592	13	4	the	the	DET
fbem-19592	13	5	core	core	NOUN
fbem-19592	13	6	of	of	ADP
fbem-19592	13	7	credit	credit	NOUN
fbem-19592	13	8	assessment	assessment	NOUN
fbem-19592	13	9	,	,	PUNCT
fbem-19592	13	10	and	and	CCONJ
fbem-19592	13	11	through	through	ADP
fbem-19592	13	12	in	in	ADP
fbem-19592	13	13	-	-	PUNCT
fbem-19592	13	14	depth	depth	NOUN
fbem-19592	13	15	analysis	analysis	NOUN
fbem-19592	13	16	of	of	ADP
fbem-19592	13	17	balance	balance	NOUN
fbem-19592	13	18	sheets	sheet	NOUN
fbem-19592	13	19	,	,	PUNCT
fbem-19592	13	20	income	income	NOUN
fbem-19592	13	21	statements	statement	NOUN
fbem-19592	13	22	,	,	PUNCT
fbem-19592	13	23	and	and	CCONJ
fbem-19592	13	24	cash	cash	NOUN
fbem-19592	13	25	flow	flow	NOUN
fbem-19592	13	26	statements	statement	NOUN
fbem-19592	13	27	,	,	PUNCT
fbem-19592	13	28	enterprises	enterprise	NOUN
fbem-19592	13	29	can	can	AUX
fbem-19592	13	30	understand	understand	VERB
fbem-19592	13	31	the	the	DET
fbem-19592	13	32	asset	asset	NOUN
fbem-19592	13	33	status	status	NOUN
fbem-19592	13	34	,	,	PUNCT
fbem-19592	13	35	profitability	profitability	NOUN
fbem-19592	13	36	,	,	PUNCT
fbem-19592	13	37	debt	debt	NOUN
fbem-19592	13	38	repayment	repayment	NOUN
fbem-19592	13	39	ability	ability	NOUN
fbem-19592	13	40	,	,	PUNCT
fbem-19592	13	41	and	and	CCONJ
fbem-19592	13	42	cash	cash	NOUN
fbem-19592	13	43	flow	flow	NOUN
fbem-19592	13	44	situation	situation	NOUN
fbem-19592	13	45	of	of	ADP
fbem-19592	13	46	trading	trading	NOUN
fbem-19592	13	47	counterparts	counterpart	NOUN
fbem-19592	13	48	.	.	PUNCT
fbem-19592	14	1	the	the	DET
fbem-19592	14	2	operational	operational	ADJ
fbem-19592	14	3	history	history	NOUN
fbem-19592	14	4	provides	provide	VERB
fbem-19592	14	5	important	important	ADJ
fbem-19592	14	6	clues	clue	NOUN
fbem-19592	14	7	about	about	ADP
fbem-19592	14	8	the	the	DET
fbem-19592	14	9	stability	stability	NOUN
fbem-19592	14	10	and	and	CCONJ
fbem-19592	14	11	growth	growth	NOUN
fbem-19592	14	12	potential	potential	NOUN
fbem-19592	14	13	of	of	ADP
fbem-19592	14	14	trading	trading	NOUN
fbem-19592	14	15	counterparts[1	counterparts[1	NOUN
fbem-19592	14	16	-	-	PUNCT
fbem-19592	14	17	2	2	NUM
fbem-19592	14	18	]	]	PUNCT
fbem-19592	14	19	.	.	PUNCT
fbem-19592	15	1	analysis	analysis	NOUN
fbem-19592	15	2	of	of	ADP
fbem-19592	15	3	market	market	NOUN
fbem-19592	15	4	position	position	NOUN
fbem-19592	15	5	and	and	CCONJ
fbem-19592	15	6	competitive	competitive	ADJ
fbem-19592	15	7	environment	environment	NOUN
fbem-19592	15	8	helps	help	VERB
fbem-19592	15	9	enterprises	enterprise	NOUN
fbem-19592	15	10	understand	understand	VERB
fbem-19592	15	11	the	the	DET
fbem-19592	15	12	competitiveness	competitiveness	NOUN
fbem-19592	15	13	of	of	ADP
fbem-19592	15	14	trading	trading	NOUN
fbem-19592	15	15	counterparts	counterpart	NOUN
fbem-19592	15	16	in	in	ADP
fbem-19592	15	17	the	the	DET
fbem-19592	15	18	industry	industry	NOUN
fbem-19592	15	19	.	.	PUNCT
fbem-19592	16	1	based	base	VERB
fbem-19592	16	2	on	on	ADP
fbem-19592	16	3	the	the	DET
fbem-19592	16	4	collection	collection	NOUN
fbem-19592	16	5	and	and	CCONJ
fbem-19592	16	6	analysis	analysis	NOUN
fbem-19592	16	7	of	of	ADP
fbem-19592	16	8	information	information	NOUN
fbem-19592	16	9	,	,	PUNCT
fbem-19592	16	10	enterprises	enterprise	NOUN
fbem-19592	16	11	need	need	VERB
fbem-19592	16	12	to	to	PART
fbem-19592	16	13	conduct	conduct	VERB
fbem-19592	16	14	an	an	DET
fbem-19592	16	15	objective	objective	ADJ
fbem-19592	16	16	and	and	CCONJ
fbem-19592	16	17	comprehensive	comprehensive	ADJ
fbem-19592	16	18	assessment	assessment	NOUN
fbem-19592	16	19	of	of	ADP
fbem-19592	16	20	the	the	DET
fbem-19592	16	21	credit	credit	NOUN
fbem-19592	16	22	status	status	NOUN
fbem-19592	16	23	of	of	ADP
fbem-19592	16	24	trading	trading	NOUN
fbem-19592	16	25	counterparts	counterpart	NOUN
fbem-19592	16	26	,	,	PUNCT
fbem-19592	16	27	including	include	VERB
fbem-19592	16	28	their	their	PRON
fbem-19592	16	29	debt	debt	NOUN
fbem-19592	16	30	repayment	repayment	NOUN
fbem-19592	16	31	ability	ability	NOUN
fbem-19592	16	32	,	,	PUNCT
fbem-19592	16	33	performance	performance	NOUN
fbem-19592	16	34	ability	ability	NOUN
fbem-19592	16	35	,	,	PUNCT
fbem-19592	16	36	operational	operational	ADJ
fbem-19592	16	37	stability	stability	NOUN
fbem-19592	16	38	,	,	PUNCT
fbem-19592	16	39	and	and	CCONJ
fbem-19592	16	40	future	future	ADJ
fbem-19592	16	41	development	development	NOUN
fbem-19592	16	42	potential	potential	NOUN
fbem-19592	16	43	.	.	PUNCT
fbem-19592	17	1	through	through	ADP
fbem-19592	17	2	comparative	comparative	ADJ
fbem-19592	17	3	analysis	analysis	NOUN
fbem-19592	17	4	and	and	CCONJ
fbem-19592	17	5	industry	industry	NOUN
fbem-19592	17	6	benchmarks	benchmark	NOUN
fbem-19592	17	7	,	,	PUNCT
fbem-19592	17	8	the	the	DET
fbem-19592	17	9	credit	credit	NOUN
fbem-19592	17	10	risk	risk	NOUN
fbem-19592	17	11	and	and	CCONJ
fbem-19592	17	12	default	default	NOUN
fbem-19592	17	13	probability	probability	NOUN
fbem-19592	17	14	of	of	ADP
fbem-19592	17	15	trading	trading	NOUN
fbem-19592	17	16	counterparts	counterpart	NOUN
fbem-19592	17	17	are	be	AUX
fbem-19592	17	18	determined	determine	VERB
fbem-19592	17	19	.	.	PUNCT
fbem-19592	18	1	based	base	VERB
fbem-19592	18	2	on	on	ADP
fbem-19592	18	3	the	the	DET
fbem-19592	18	4	assessment	assessment	NOUN
fbem-19592	18	5	results	result	NOUN
fbem-19592	18	6	,	,	PUNCT
fbem-19592	18	7	enterprises	enterprise	NOUN
fbem-19592	18	8	rate	rate	VERB
fbem-19592	18	9	the	the	DET
fbem-19592	18	10	credit	credit	NOUN
fbem-19592	18	11	of	of	ADP
fbem-19592	18	12	trading	trading	NOUN
fbem-19592	18	13	counterparts	counterpart	NOUN
fbem-19592	18	14	.	.	PUNCT
fbem-19592	19	1	the	the	DET
fbem-19592	19	2	rating	rating	NOUN
fbem-19592	19	3	results	result	NOUN
fbem-19592	19	4	are	be	AUX
fbem-19592	19	5	usually	usually	ADV
fbem-19592	19	6	divided	divide	VERB
fbem-19592	19	7	into	into	ADP
fbem-19592	19	8	different	different	ADJ
fbem-19592	19	9	credit	credit	NOUN
fbem-19592	19	10	levels	level	NOUN
fbem-19592	19	11	to	to	PART
fbem-19592	19	12	intuitively	intuitively	ADV
fbem-19592	19	13	reflect	reflect	VERB
fbem-19592	19	14	the	the	DET
fbem-19592	19	15	credit	credit	NOUN
fbem-19592	19	16	status	status	NOUN
fbem-19592	19	17	and	and	CCONJ
fbem-19592	19	18	risk	risk	NOUN
fbem-19592	19	19	level	level	NOUN
fbem-19592	19	20	of	of	ADP
fbem-19592	19	21	trading	trading	NOUN
fbem-19592	19	22	counterparts	counterpart	NOUN
fbem-19592	19	23	.	.	PUNCT
fbem-19592	20	1	the	the	DET
fbem-19592	20	2	rating	rating	NOUN
fbem-19592	20	3	results	result	NOUN
fbem-19592	20	4	will	will	AUX
fbem-19592	20	5	become	become	VERB
fbem-19592	20	6	an	an	DET
fbem-19592	20	7	important	important	ADJ
fbem-19592	20	8	basis	basis	NOUN
fbem-19592	20	9	for	for	ADP
fbem-19592	20	10	enterprises	enterprise	NOUN
fbem-19592	20	11	in	in	ADP
fbem-19592	20	12	subsequent	subsequent	ADJ
fbem-19592	20	13	transactions	transaction	NOUN
fbem-19592	20	14	,	,	PUNCT
fbem-19592	20	15	helping	help	VERB
fbem-19592	20	16	them	they	PRON
fbem-19592	20	17	to	to	PART
fbem-19592	20	18	formulate	formulate	VERB
fbem-19592	20	19	reasonable	reasonable	ADJ
fbem-19592	20	20	credit	credit	NOUN
fbem-19592	20	21	policies	policy	NOUN
fbem-19592	20	22	,	,	PUNCT
fbem-19592	20	23	optimize	optimize	VERB
fbem-19592	20	24	resource	resource	NOUN
fbem-19592	20	25	allocation	allocation	NOUN
fbem-19592	20	26	,	,	PUNCT
fbem-19592	20	27	and	and	CCONJ
fbem-19592	20	28	reduce	reduce	VERB
fbem-19592	20	29	credit	credit	NOUN
fbem-19592	20	30	risk	risk	NOUN
fbem-19592	20	31	.	.	PUNCT
fbem-19592	21	1	1.2	1.2	NUM
fbem-19592	21	2	.	.	PUNCT
fbem-19592	21	3	credit	credit	NOUN
fbem-19592	21	4	policy	policy	NOUN
fbem-19592	21	5	formulation	formulation	NOUN
fbem-19592	21	6	credit	credit	NOUN
fbem-19592	21	7	policy	policy	NOUN
fbem-19592	21	8	is	be	AUX
fbem-19592	21	9	the	the	DET
fbem-19592	21	10	core	core	NOUN
fbem-19592	21	11	component	component	NOUN
fbem-19592	21	12	of	of	ADP
fbem-19592	21	13	enterprise	enterprise	NOUN
fbem-19592	21	14	credit	credit	NOUN
fbem-19592	21	15	risk	risk	NOUN
fbem-19592	21	16	management	management	NOUN
fbem-19592	21	17	and	and	CCONJ
fbem-19592	21	18	is	be	AUX
fbem-19592	21	19	based	base	VERB
fbem-19592	21	20	on	on	ADP
fbem-19592	21	21	in	in	ADP
fbem-19592	21	22	-	-	PUNCT
fbem-19592	21	23	depth	depth	NOUN
fbem-19592	21	24	credit	credit	NOUN
fbem-19592	21	25	assessment	assessment	NOUN
fbem-19592	21	26	and	and	CCONJ
fbem-19592	21	27	rating	rating	NOUN
fbem-19592	21	28	results	result	NOUN
fbem-19592	21	29	.	.	PUNCT
fbem-19592	22	1	this	this	DET
fbem-19592	22	2	policy	policy	NOUN
fbem-19592	22	3	not	not	PART
fbem-19592	22	4	only	only	ADV
fbem-19592	22	5	concerns	concern	VERB
fbem-19592	22	6	the	the	DET
fbem-19592	22	7	cash	cash	NOUN
fbem-19592	22	8	flow	flow	NOUN
fbem-19592	22	9	and	and	CCONJ
fbem-19592	22	10	operational	operational	ADJ
fbem-19592	22	11	efficiency	efficiency	NOUN
fbem-19592	22	12	of	of	ADP
fbem-19592	22	13	the	the	DET
fbem-19592	22	14	enterprise	enterprise	NOUN
fbem-19592	22	15	but	but	CCONJ
fbem-19592	22	16	also	also	ADV
fbem-19592	22	17	directly	directly	ADV
fbem-19592	22	18	relates	relate	VERB
fbem-19592	22	19	to	to	ADP
fbem-19592	22	20	the	the	DET
fbem-19592	22	21	financial	financial	ADJ
fbem-19592	22	22	robustness	robustness	NOUN
fbem-19592	22	23	and	and	CCONJ
fbem-19592	22	24	long	long	ADJ
fbem-19592	22	25	-	-	PUNCT
fbem-19592	22	26	term	term	NOUN
fbem-19592	22	27	development	development	NOUN
fbem-19592	22	28	of	of	ADP
fbem-19592	22	29	the	the	DET
fbem-19592	22	30	enterprise	enterprise	NOUN
fbem-19592	22	31	,	,	PUNCT
fbem-19592	22	32	making	make	VERB
fbem-19592	22	33	the	the	DET
fbem-19592	22	34	formulation	formulation	NOUN
fbem-19592	22	35	of	of	ADP
fbem-19592	22	36	an	an	DET
fbem-19592	22	37	appropriate	appropriate	ADJ
fbem-19592	22	38	credit	credit	NOUN
fbem-19592	22	39	policy	policy	NOUN
fbem-19592	22	40	particularly	particularly	ADV
fbem-19592	22	41	important	important	ADJ
fbem-19592	22	42	.	.	PUNCT
fbem-19592	23	1	the	the	DET
fbem-19592	23	2	core	core	NOUN
fbem-19592	23	3	of	of	ADP
fbem-19592	23	4	the	the	DET
fbem-19592	23	5	credit	credit	NOUN
fbem-19592	23	6	policy	policy	NOUN
fbem-19592	23	7	lies	lie	VERB
fbem-19592	23	8	in	in	ADP
fbem-19592	23	9	determining	determine	VERB
fbem-19592	23	10	credit	credit	NOUN
fbem-19592	23	11	limits	limit	NOUN
fbem-19592	23	12	,	,	PUNCT
fbem-19592	23	13	taking	take	VERB
fbem-19592	23	14	into	into	ADP
fbem-19592	23	15	account	account	NOUN
fbem-19592	23	16	factors	factor	NOUN
fbem-19592	23	17	such	such	ADJ
fbem-19592	23	18	as	as	ADP
fbem-19592	23	19	the	the	DET
fbem-19592	23	20	credit	credit	NOUN
fbem-19592	23	21	rating	rating	NOUN
fbem-19592	23	22	of	of	ADP
fbem-19592	23	23	trading	trading	NOUN
fbem-19592	23	24	counterparts	counterpart	NOUN
fbem-19592	23	25	,	,	PUNCT
fbem-19592	23	26	historical	historical	ADJ
fbem-19592	23	27	transaction	transaction	NOUN
fbem-19592	23	28	records	record	NOUN
fbem-19592	23	29	,	,	PUNCT
fbem-19592	23	30	industry	industry	NOUN
fbem-19592	23	31	practices	practice	NOUN
fbem-19592	23	32	,	,	PUNCT
fbem-19592	23	33	and	and	CCONJ
fbem-19592	23	34	the	the	DET
fbem-19592	23	35	financial	financial	ADJ
fbem-19592	23	36	situation	situation	NOUN
fbem-19592	23	37	of	of	ADP
fbem-19592	23	38	the	the	DET
fbem-19592	23	39	enterprise	enterprise	NOUN
fbem-19592	23	40	.	.	PUNCT
fbem-19592	24	1	the	the	DET
fbem-19592	24	2	level	level	NOUN
fbem-19592	24	3	of	of	ADP
fbem-19592	24	4	credit	credit	NOUN
fbem-19592	24	5	limits	limit	NOUN
fbem-19592	24	6	directly	directly	ADV
fbem-19592	24	7	affects	affect	VERB
fbem-19592	24	8	the	the	DET
fbem-19592	24	9	sales	sale	NOUN
fbem-19592	24	10	volume	volume	NOUN
fbem-19592	24	11	and	and	CCONJ
fbem-19592	24	12	market	market	NOUN
fbem-19592	24	13	competitiveness	competitiveness	NOUN
fbem-19592	24	14	of	of	ADP
fbem-19592	24	15	the	the	DET
fbem-19592	24	16	enterprise	enterprise	NOUN
fbem-19592	24	17	.	.	PUNCT
fbem-19592	25	1	setting	set	VERB
fbem-19592	25	2	reasonable	reasonable	ADJ
fbem-19592	25	3	credit	credit	NOUN
fbem-19592	25	4	limits	limit	NOUN
fbem-19592	25	5	to	to	PART
fbem-19592	25	6	balance	balance	VERB
fbem-19592	25	7	risk	risk	NOUN
fbem-19592	25	8	and	and	CCONJ
fbem-19592	25	9	return	return	VERB
fbem-19592	25	10	,	,	PUNCT
fbem-19592	25	11	while	while	SCONJ
fbem-19592	25	12	ensuring	ensure	VERB
fbem-19592	25	13	financial	financial	ADJ
fbem-19592	25	14	safety	safety	NOUN
fbem-19592	25	15	,	,	PUNCT
fbem-19592	25	16	is	be	AUX
fbem-19592	25	17	crucial	crucial	ADJ
fbem-19592	25	18	.	.	PUNCT
fbem-19592	26	1	the	the	DET
fbem-19592	26	2	determination	determination	NOUN
fbem-19592	26	3	of	of	ADP
fbem-19592	26	4	credit	credit	NOUN
fbem-19592	26	5	terms	term	NOUN
fbem-19592	26	6	is	be	AUX
fbem-19592	26	7	also	also	ADV
fbem-19592	26	8	a	a	DET
fbem-19592	26	9	key	key	ADJ
fbem-19592	26	10	part	part	NOUN
fbem-19592	26	11	of	of	ADP
fbem-19592	26	12	the	the	DET
fbem-19592	26	13	credit	credit	NOUN
fbem-19592	26	14	policy	policy	NOUN
fbem-19592	26	15	.	.	PUNCT
fbem-19592	27	1	too	too	ADV
fbem-19592	27	2	long	long	ADJ
fbem-19592	27	3	credit	credit	NOUN
fbem-19592	27	4	terms	term	NOUN
fbem-19592	27	5	may	may	AUX
fbem-19592	27	6	increase	increase	VERB
fbem-19592	27	7	the	the	DET
fbem-19592	27	8	collection	collection	NOUN
fbem-19592	27	9	risk	risk	NOUN
fbem-19592	27	10	for	for	ADP
fbem-19592	27	11	the	the	DET
fbem-19592	27	12	enterprise	enterprise	NOUN
fbem-19592	27	13	,	,	PUNCT
fbem-19592	27	14	while	while	SCONJ
fbem-19592	27	15	too	too	ADV
fbem-19592	27	16	short	short	ADJ
fbem-19592	27	17	terms	term	NOUN
fbem-19592	27	18	may	may	AUX
fbem-19592	27	19	affect	affect	VERB
fbem-19592	27	20	sales	sale	NOUN
fbem-19592	27	21	and	and	CCONJ
fbem-19592	27	22	customer	customer	NOUN
fbem-19592	27	23	satisfaction	satisfaction	NOUN
fbem-19592	27	24	.	.	PUNCT
fbem-19592	28	1	enterprises	enterprise	NOUN
fbem-19592	28	2	need	need	VERB
fbem-19592	28	3	to	to	PART
fbem-19592	28	4	scientifically	scientifically	ADV
fbem-19592	28	5	set	set	VERB
fbem-19592	28	6	credit	credit	NOUN
fbem-19592	28	7	terms	term	NOUN
fbem-19592	28	8	based	base	VERB
fbem-19592	28	9	on	on	ADP
fbem-19592	28	10	factors	factor	NOUN
fbem-19592	28	11	such	such	ADJ
fbem-19592	28	12	as	as	ADP
fbem-19592	28	13	the	the	DET
fbem-19592	28	14	credit	credit	NOUN
fbem-19592	28	15	status	status	NOUN
fbem-19592	28	16	of	of	ADP
fbem-19592	28	17	trading	trading	NOUN
fbem-19592	28	18	counterparts	counterpart	NOUN
fbem-19592	28	19	,	,	PUNCT
fbem-19592	28	20	product	product	NOUN
fbem-19592	28	21	characteristics	characteristic	NOUN
fbem-19592	28	22	,	,	PUNCT
fbem-19592	28	23	and	and	CCONJ
fbem-19592	28	24	market	market	NOUN
fbem-19592	28	25	demand	demand	NOUN
fbem-19592	28	26	to	to	PART
fbem-19592	28	27	ensure	ensure	VERB
fbem-19592	28	28	sales	sale	NOUN
fbem-19592	28	29	promotion	promotion	NOUN
fbem-19592	28	30	while	while	SCONJ
fbem-19592	28	31	controlling	control	VERB
fbem-19592	28	32	collection	collection	NOUN
fbem-19592	28	33	risk[3	risk[3	PROPN
fbem-19592	28	34	]	]	PUNCT
fbem-19592	28	35	.	.	PUNCT
fbem-19592	29	1	the	the	DET
fbem-19592	29	2	formulation	formulation	NOUN
fbem-19592	29	3	of	of	ADP
fbem-19592	29	4	a	a	DET
fbem-19592	29	5	credit	credit	NOUN
fbem-19592	29	6	policy	policy	NOUN
fbem-19592	29	7	is	be	AUX
fbem-19592	29	8	a	a	DET
fbem-19592	29	9	process	process	NOUN
fbem-19592	29	10	of	of	ADP
fbem-19592	29	11	comprehensive	comprehensive	ADJ
fbem-19592	29	12	consideration	consideration	NOUN
fbem-19592	29	13	and	and	CCONJ
fbem-19592	29	14	balancing	balance	VERB
fbem-19592	29	15	risk	risk	NOUN
fbem-19592	29	16	and	and	CCONJ
fbem-19592	29	17	return	return	NOUN
fbem-19592	29	18	.	.	PUNCT
fbem-19592	30	1	enterprises	enterprise	NOUN
fbem-19592	30	2	need	need	VERB
fbem-19592	30	3	to	to	PART
fbem-19592	30	4	flexibly	flexibly	ADV
fbem-19592	30	5	adjust	adjust	VERB
fbem-19592	30	6	their	their	PRON
fbem-19592	30	7	credit	credit	NOUN
fbem-19592	30	8	policies	policy	NOUN
fbem-19592	30	9	according	accord	VERB
fbem-19592	30	10	to	to	ADP
fbem-19592	30	11	their	their	PRON
fbem-19592	30	12	actual	actual	ADJ
fbem-19592	30	13	situation	situation	NOUN
fbem-19592	30	14	and	and	CCONJ
fbem-19592	30	15	market	market	NOUN
fbem-19592	30	16	environment	environment	NOUN
fbem-19592	30	17	to	to	PART
fbem-19592	30	18	ensure	ensure	VERB
fbem-19592	30	19	stable	stable	ADJ
fbem-19592	30	20	operation	operation	NOUN
fbem-19592	30	21	and	and	CCONJ
fbem-19592	30	22	continuous	continuous	ADJ
fbem-19592	30	23	development	development	NOUN
fbem-19592	30	24	.	.	PUNCT
fbem-19592	31	1	62	62	NUM
fbem-19592	31	2	figure	figure	NOUN
fbem-19592	31	3	1	1	NUM
fbem-19592	31	4	.	.	PUNCT
fbem-19592	31	5	credit	credit	NOUN
fbem-19592	31	6	assessment	assessment	NOUN
fbem-19592	31	7	and	and	CCONJ
fbem-19592	31	8	rating	rating	NOUN
fbem-19592	31	9	process	process	NOUN
fbem-19592	31	10	2	2	NUM
fbem-19592	31	11	.	.	PUNCT
fbem-19592	31	12	factors	factor	NOUN
fbem-19592	31	13	influencing	influence	VERB
fbem-19592	31	14	corporate	corporate	ADJ
fbem-19592	31	15	value	value	NOUN
fbem-19592	31	16	2.1	2.1	NUM
fbem-19592	31	17	.	.	PUNCT
fbem-19592	32	1	market	market	NOUN
fbem-19592	32	2	environment	environment	NOUN
fbem-19592	32	3	the	the	DET
fbem-19592	32	4	market	market	NOUN
fbem-19592	32	5	environment	environment	NOUN
fbem-19592	32	6	is	be	AUX
fbem-19592	32	7	a	a	DET
fbem-19592	32	8	key	key	ADJ
fbem-19592	32	9	factor	factor	NOUN
fbem-19592	32	10	affecting	affect	VERB
fbem-19592	32	11	the	the	DET
fbem-19592	32	12	profitability	profitability	NOUN
fbem-19592	32	13	and	and	CCONJ
fbem-19592	32	14	market	market	NOUN
fbem-19592	32	15	position	position	NOUN
fbem-19592	32	16	of	of	ADP
fbem-19592	32	17	enterprises	enterprise	NOUN
fbem-19592	32	18	,	,	PUNCT
fbem-19592	32	19	thereby	thereby	ADV
fbem-19592	32	20	having	have	VERB
fbem-19592	32	21	a	a	DET
fbem-19592	32	22	profound	profound	ADJ
fbem-19592	32	23	impact	impact	NOUN
fbem-19592	32	24	on	on	ADP
fbem-19592	32	25	corporate	corporate	ADJ
fbem-19592	32	26	value	value	NOUN
fbem-19592	32	27	.	.	PUNCT
fbem-19592	33	1	a	a	DET
fbem-19592	33	2	stable	stable	ADJ
fbem-19592	33	3	and	and	CCONJ
fbem-19592	33	4	favorable	favorable	ADJ
fbem-19592	33	5	market	market	NOUN
fbem-19592	33	6	environment	environment	NOUN
fbem-19592	33	7	can	can	AUX
fbem-19592	33	8	create	create	VERB
fbem-19592	33	9	more	more	ADJ
fbem-19592	33	10	business	business	NOUN
fbem-19592	33	11	opportunities	opportunity	NOUN
fbem-19592	33	12	for	for	ADP
fbem-19592	33	13	enterprises	enterprise	NOUN
fbem-19592	33	14	,	,	PUNCT
fbem-19592	33	15	promoting	promote	VERB
fbem-19592	33	16	their	their	PRON
fbem-19592	33	17	growth	growth	NOUN
fbem-19592	33	18	and	and	CCONJ
fbem-19592	33	19	expansion	expansion	NOUN
fbem-19592	33	20	;	;	PUNCT
fbem-19592	33	21	while	while	SCONJ
fbem-19592	33	22	an	an	DET
fbem-19592	33	23	unstable	unstable	ADJ
fbem-19592	33	24	or	or	CCONJ
fbem-19592	33	25	challenging	challenging	ADJ
fbem-19592	33	26	market	market	NOUN
fbem-19592	33	27	environment	environment	NOUN
fbem-19592	33	28	may	may	AUX
fbem-19592	33	29	bring	bring	VERB
fbem-19592	33	30	various	various	ADJ
fbem-19592	33	31	difficulties	difficulty	NOUN
fbem-19592	33	32	to	to	ADP
fbem-19592	33	33	enterprises	enterprise	NOUN
fbem-19592	33	34	,	,	PUNCT
fbem-19592	33	35	even	even	ADV
fbem-19592	33	36	threatening	threaten	VERB
fbem-19592	33	37	their	their	PRON
fbem-19592	33	38	survival	survival	NOUN
fbem-19592	33	39	.	.	PUNCT
fbem-19592	34	1	due	due	ADP
fbem-19592	34	2	to	to	ADP
fbem-19592	34	3	the	the	DET
fbem-19592	34	4	continuous	continuous	ADJ
fbem-19592	34	5	upgrading	upgrading	NOUN
fbem-19592	34	6	and	and	CCONJ
fbem-19592	34	7	diversification	diversification	NOUN
fbem-19592	34	8	of	of	ADP
fbem-19592	34	9	consumer	consumer	NOUN
fbem-19592	34	10	demands	demand	NOUN
fbem-19592	34	11	,	,	PUNCT
fbem-19592	34	12	enterprises	enterprise	NOUN
fbem-19592	34	13	need	need	VERB
fbem-19592	34	14	to	to	PART
fbem-19592	34	15	constantly	constantly	ADV
fbem-19592	34	16	innovate	innovate	VERB
fbem-19592	34	17	and	and	CCONJ
fbem-19592	34	18	adjust	adjust	VERB
fbem-19592	34	19	their	their	PRON
fbem-19592	34	20	products	product	NOUN
fbem-19592	34	21	or	or	CCONJ
fbem-19592	34	22	services	service	NOUN
fbem-19592	34	23	to	to	PART
fbem-19592	34	24	meet	meet	VERB
fbem-19592	34	25	market	market	NOUN
fbem-19592	34	26	needs	need	NOUN
fbem-19592	34	27	.	.	PUNCT
fbem-19592	35	1	if	if	SCONJ
fbem-19592	35	2	an	an	DET
fbem-19592	35	3	enterprise	enterprise	NOUN
fbem-19592	35	4	can	can	AUX
fbem-19592	35	5	accurately	accurately	ADV
fbem-19592	35	6	grasp	grasp	VERB
fbem-19592	35	7	changes	change	NOUN
fbem-19592	35	8	in	in	ADP
fbem-19592	35	9	consumer	consumer	NOUN
fbem-19592	35	10	demands	demand	NOUN
fbem-19592	35	11	and	and	CCONJ
fbem-19592	35	12	quickly	quickly	ADV
fbem-19592	35	13	make	make	VERB
fbem-19592	35	14	corresponding	corresponding	ADJ
fbem-19592	35	15	adjustments	adjustment	NOUN
fbem-19592	35	16	,	,	PUNCT
fbem-19592	35	17	it	it	PRON
fbem-19592	35	18	may	may	AUX
fbem-19592	35	19	gain	gain	VERB
fbem-19592	35	20	a	a	DET
fbem-19592	35	21	larger	large	ADJ
fbem-19592	35	22	share	share	NOUN
fbem-19592	35	23	in	in	ADP
fbem-19592	35	24	the	the	DET
fbem-19592	35	25	market	market	NOUN
fbem-19592	35	26	,	,	PUNCT
fbem-19592	35	27	thereby	thereby	ADV
fbem-19592	35	28	enhancing	enhance	VERB
fbem-19592	35	29	its	its	PRON
fbem-19592	35	30	profitability	profitability	NOUN
fbem-19592	35	31	and	and	CCONJ
fbem-19592	35	32	market	market	NOUN
fbem-19592	35	33	position	position	NOUN
fbem-19592	35	34	.	.	PUNCT
fbem-19592	36	1	with	with	ADP
fbem-19592	36	2	the	the	DET
fbem-19592	36	3	continuous	continuous	ADJ
fbem-19592	36	4	development	development	NOUN
fbem-19592	36	5	of	of	ADP
fbem-19592	36	6	technology	technology	NOUN
fbem-19592	36	7	,	,	PUNCT
fbem-19592	36	8	new	new	ADJ
fbem-19592	36	9	technologies	technology	NOUN
fbem-19592	36	10	and	and	CCONJ
fbem-19592	36	11	tools	tool	NOUN
fbem-19592	36	12	are	be	AUX
fbem-19592	36	13	emerging	emerge	VERB
fbem-19592	36	14	,	,	PUNCT
fbem-19592	36	15	providing	provide	VERB
fbem-19592	36	16	more	more	ADJ
fbem-19592	36	17	development	development	NOUN
fbem-19592	36	18	opportunities	opportunity	NOUN
fbem-19592	36	19	for	for	ADP
fbem-19592	36	20	enterprises	enterprise	NOUN
fbem-19592	36	21	.	.	PUNCT
fbem-19592	37	1	however	however	ADV
fbem-19592	37	2	,	,	PUNCT
fbem-19592	37	3	this	this	PRON
fbem-19592	37	4	also	also	ADV
fbem-19592	37	5	means	mean	VERB
fbem-19592	37	6	that	that	SCONJ
fbem-19592	37	7	enterprises	enterprise	NOUN
fbem-19592	37	8	need	need	VERB
fbem-19592	37	9	to	to	PART
fbem-19592	37	10	continuously	continuously	ADV
fbem-19592	37	11	learn	learn	VERB
fbem-19592	37	12	and	and	CCONJ
fbem-19592	37	13	adapt	adapt	VERB
fbem-19592	37	14	to	to	ADP
fbem-19592	37	15	new	new	ADJ
fbem-19592	37	16	technologies	technology	NOUN
fbem-19592	37	17	and	and	CCONJ
fbem-19592	37	18	tools	tool	NOUN
fbem-19592	37	19	to	to	PART
fbem-19592	37	20	maintain	maintain	VERB
fbem-19592	37	21	their	their	PRON
fbem-19592	37	22	competitiveness	competitiveness	NOUN
fbem-19592	37	23	.	.	PUNCT
fbem-19592	38	1	if	if	SCONJ
fbem-19592	38	2	an	an	DET
fbem-19592	38	3	enterprise	enterprise	NOUN
fbem-19592	38	4	can	can	AUX
fbem-19592	38	5	keep	keep	VERB
fbem-19592	38	6	pace	pace	NOUN
fbem-19592	38	7	with	with	ADP
fbem-19592	38	8	technological	technological	ADJ
fbem-19592	38	9	developments	development	NOUN
fbem-19592	38	10	and	and	CCONJ
fbem-19592	38	11	apply	apply	VERB
fbem-19592	38	12	them	they	PRON
fbem-19592	38	13	to	to	ADP
fbem-19592	38	14	its	its	PRON
fbem-19592	38	15	products	product	NOUN
fbem-19592	38	16	or	or	CCONJ
fbem-19592	38	17	services	service	NOUN
fbem-19592	38	18	,	,	PUNCT
fbem-19592	38	19	it	it	PRON
fbem-19592	38	20	may	may	AUX
fbem-19592	38	21	gain	gain	VERB
fbem-19592	38	22	a	a	DET
fbem-19592	38	23	greater	great	ADJ
fbem-19592	38	24	advantage	advantage	NOUN
fbem-19592	38	25	in	in	ADP
fbem-19592	38	26	the	the	DET
fbem-19592	38	27	market	market	NOUN
fbem-19592	38	28	.	.	PUNCT
fbem-19592	39	1	2.2	2.2	NUM
fbem-19592	39	2	.	.	PUNCT
fbem-19592	39	3	asset	asset	NOUN
fbem-19592	39	4	quality	quality	NOUN
fbem-19592	39	5	asset	asset	NOUN
fbem-19592	39	6	quality	quality	NOUN
fbem-19592	39	7	,	,	PUNCT
fbem-19592	39	8	an	an	DET
fbem-19592	39	9	essential	essential	ADJ
fbem-19592	39	10	indicator	indicator	NOUN
fbem-19592	39	11	of	of	ADP
fbem-19592	39	12	a	a	DET
fbem-19592	39	13	company	company	NOUN
fbem-19592	39	14	's	's	PART
fbem-19592	39	15	asset	asset	NOUN
fbem-19592	39	16	condition	condition	NOUN
fbem-19592	39	17	,	,	PUNCT
fbem-19592	39	18	directly	directly	ADV
fbem-19592	39	19	influences	influence	VERB
fbem-19592	39	20	the	the	DET
fbem-19592	39	21	company	company	NOUN
fbem-19592	39	22	's	's	PART
fbem-19592	39	23	future	future	ADJ
fbem-19592	39	24	profitability	profitability	NOUN
fbem-19592	39	25	and	and	CCONJ
fbem-19592	39	26	development	development	NOUN
fbem-19592	39	27	potential	potential	NOUN
fbem-19592	39	28	,	,	PUNCT
fbem-19592	39	29	thereby	thereby	ADV
fbem-19592	39	30	forming	form	VERB
fbem-19592	39	31	the	the	DET
fbem-19592	39	32	basis	basis	NOUN
fbem-19592	39	33	for	for	ADP
fbem-19592	39	34	assessing	assess	VERB
fbem-19592	39	35	corporate	corporate	ADJ
fbem-19592	39	36	value	value	NOUN
fbem-19592	39	37	.	.	PUNCT
fbem-19592	40	1	high	high	ADJ
fbem-19592	40	2	asset	asset	NOUN
fbem-19592	40	3	quality	quality	NOUN
fbem-19592	40	4	implies	imply	VERB
fbem-19592	40	5	a	a	DET
fbem-19592	40	6	healthy	healthy	ADJ
fbem-19592	40	7	asset	asset	NOUN
fbem-19592	40	8	structure	structure	NOUN
fbem-19592	40	9	,	,	PUNCT
fbem-19592	40	10	strong	strong	ADJ
fbem-19592	40	11	liquidity	liquidity	NOUN
fbem-19592	40	12	,	,	PUNCT
fbem-19592	40	13	low	low	ADJ
fbem-19592	40	14	depreciation	depreciation	NOUN
fbem-19592	40	15	rates	rate	NOUN
fbem-19592	40	16	,	,	PUNCT
fbem-19592	40	17	and	and	CCONJ
fbem-19592	40	18	the	the	DET
fbem-19592	40	19	ability	ability	NOUN
fbem-19592	40	20	to	to	PART
fbem-19592	40	21	generate	generate	VERB
fbem-19592	40	22	stable	stable	ADJ
fbem-19592	40	23	cash	cash	NOUN
fbem-19592	40	24	flows	flow	NOUN
fbem-19592	40	25	for	for	ADP
fbem-19592	40	26	the	the	DET
fbem-19592	40	27	company	company	NOUN
fbem-19592	40	28	.	.	PUNCT
fbem-19592	41	1	such	such	ADJ
fbem-19592	41	2	companies	company	NOUN
fbem-19592	41	3	are	be	AUX
fbem-19592	41	4	more	more	ADV
fbem-19592	41	5	resilient	resilient	ADJ
fbem-19592	41	6	to	to	ADP
fbem-19592	41	7	market	market	NOUN
fbem-19592	41	8	risks	risk	NOUN
fbem-19592	41	9	and	and	CCONJ
fbem-19592	41	10	are	be	AUX
fbem-19592	41	11	better	well	ADV
fbem-19592	41	12	positioned	positioned	ADJ
fbem-19592	41	13	to	to	PART
fbem-19592	41	14	seize	seize	VERB
fbem-19592	41	15	market	market	NOUN
fbem-19592	41	16	opportunities	opportunity	NOUN
fbem-19592	41	17	for	for	ADP
fbem-19592	41	18	growth	growth	NOUN
fbem-19592	41	19	.	.	PUNCT
fbem-19592	42	1	high	high	ADJ
fbem-19592	42	2	-	-	PUNCT
fbem-19592	42	3	quality	quality	NOUN
fbem-19592	42	4	assets	asset	NOUN
fbem-19592	42	5	provide	provide	VERB
fbem-19592	42	6	stable	stable	ADJ
fbem-19592	42	7	cash	cash	NOUN
fbem-19592	42	8	flows	flow	NOUN
fbem-19592	42	9	,	,	PUNCT
fbem-19592	42	10	which	which	PRON
fbem-19592	42	11	are	be	AUX
fbem-19592	42	12	vital	vital	ADJ
fbem-19592	42	13	for	for	ADP
fbem-19592	42	14	the	the	DET
fbem-19592	42	15	company	company	NOUN
fbem-19592	42	16	's	's	PART
fbem-19592	42	17	operations	operation	NOUN
fbem-19592	42	18	,	,	PUNCT
fbem-19592	42	19	investment	investment	NOUN
fbem-19592	42	20	capacity	capacity	NOUN
fbem-19592	42	21	,	,	PUNCT
fbem-19592	42	22	and	and	CCONJ
fbem-19592	42	23	debt	debt	NOUN
fbem-19592	42	24	repayment	repayment	NOUN
fbem-19592	42	25	ability[4	ability[4	PROPN
fbem-19592	42	26	]	]	PUNCT
fbem-19592	42	27	.	.	PUNCT
fbem-19592	43	1	a	a	DET
fbem-19592	43	2	healthy	healthy	ADJ
fbem-19592	43	3	asset	asset	NOUN
fbem-19592	43	4	structure	structure	NOUN
fbem-19592	43	5	indicates	indicate	VERB
fbem-19592	43	6	that	that	SCONJ
fbem-19592	43	7	the	the	DET
fbem-19592	43	8	company	company	NOUN
fbem-19592	43	9	has	have	VERB
fbem-19592	43	10	sufficient	sufficient	ADJ
fbem-19592	43	11	liquid	liquid	ADJ
fbem-19592	43	12	assets	asset	NOUN
fbem-19592	43	13	to	to	PART
fbem-19592	43	14	meet	meet	VERB
fbem-19592	43	15	short	short	ADJ
fbem-19592	43	16	-	-	PUNCT
fbem-19592	43	17	term	term	NOUN
fbem-19592	43	18	debts	debt	NOUN
fbem-19592	43	19	and	and	CCONJ
fbem-19592	43	20	operational	operational	ADJ
fbem-19592	43	21	needs	need	NOUN
fbem-19592	43	22	,	,	PUNCT
fbem-19592	43	23	as	as	ADV
fbem-19592	43	24	well	well	ADV
fbem-19592	43	25	as	as	ADP
fbem-19592	43	26	adequate	adequate	ADJ
fbem-19592	43	27	fixed	fix	VERB
fbem-19592	43	28	assets	asset	NOUN
fbem-19592	43	29	to	to	PART
fbem-19592	43	30	support	support	VERB
fbem-19592	43	31	long	long	ADJ
fbem-19592	43	32	-	-	PUNCT
fbem-19592	43	33	term	term	NOUN
fbem-19592	43	34	investments	investment	NOUN
fbem-19592	43	35	and	and	CCONJ
fbem-19592	43	36	production	production	NOUN
fbem-19592	43	37	activities	activity	NOUN
fbem-19592	43	38	.	.	PUNCT
fbem-19592	44	1	companies	company	NOUN
fbem-19592	44	2	can	can	AUX
fbem-19592	44	3	maintain	maintain	VERB
fbem-19592	44	4	stability	stability	NOUN
fbem-19592	44	5	during	during	ADP
fbem-19592	44	6	economic	economic	ADJ
fbem-19592	44	7	fluctuations	fluctuation	NOUN
fbem-19592	44	8	and	and	CCONJ
fbem-19592	44	9	use	use	VERB
fbem-19592	44	10	cash	cash	NOUN
fbem-19592	44	11	flows	flow	NOUN
fbem-19592	44	12	for	for	ADP
fbem-19592	44	13	reinvestment	reinvestment	NOUN
fbem-19592	44	14	,	,	PUNCT
fbem-19592	44	15	expanding	expand	VERB
fbem-19592	44	16	market	market	NOUN
fbem-19592	44	17	share	share	NOUN
fbem-19592	44	18	,	,	PUNCT
fbem-19592	44	19	and	and	CCONJ
fbem-19592	44	20	enhancing	enhance	VERB
fbem-19592	44	21	competitiveness	competitiveness	NOUN
fbem-19592	44	22	.	.	PUNCT
fbem-19592	45	1	companies	company	NOUN
fbem-19592	45	2	with	with	ADP
fbem-19592	45	3	high	high	ADJ
fbem-19592	45	4	-	-	PUNCT
fbem-19592	45	5	quality	quality	NOUN
fbem-19592	45	6	assets	asset	NOUN
fbem-19592	45	7	typically	typically	ADV
fbem-19592	45	8	possess	possess	VERB
fbem-19592	45	9	stronger	strong	ADJ
fbem-19592	45	10	innovation	innovation	NOUN
fbem-19592	45	11	and	and	CCONJ
fbem-19592	45	12	expansion	expansion	NOUN
fbem-19592	45	13	capabilities	capability	NOUN
fbem-19592	45	14	,	,	PUNCT
fbem-19592	45	15	allowing	allow	VERB
fbem-19592	45	16	them	they	PRON
fbem-19592	45	17	to	to	PART
fbem-19592	45	18	quickly	quickly	ADV
fbem-19592	45	19	adapt	adapt	VERB
fbem-19592	45	20	to	to	ADP
fbem-19592	45	21	market	market	NOUN
fbem-19592	45	22	changes	change	NOUN
fbem-19592	45	23	,	,	PUNCT
fbem-19592	45	24	seize	seize	VERB
fbem-19592	45	25	market	market	NOUN
fbem-19592	45	26	opportunities	opportunity	NOUN
fbem-19592	45	27	for	for	ADP
fbem-19592	45	28	expansion	expansion	NOUN
fbem-19592	45	29	and	and	CCONJ
fbem-19592	45	30	upgrades	upgrade	NOUN
fbem-19592	45	31	,	,	PUNCT
fbem-19592	45	32	and	and	CCONJ
fbem-19592	45	33	achieve	achieve	VERB
fbem-19592	45	34	sustainable	sustainable	ADJ
fbem-19592	45	35	development	development	NOUN
fbem-19592	45	36	.	.	PUNCT
fbem-19592	46	1	2.3	2.3	NUM
fbem-19592	46	2	.	.	PUNCT
fbem-19592	46	3	innovation	innovation	NOUN
fbem-19592	46	4	capability	capability	NOUN
fbem-19592	46	5	in	in	ADP
fbem-19592	46	6	today	today	NOUN
fbem-19592	46	7	's	's	PART
fbem-19592	46	8	rapidly	rapidly	ADV
fbem-19592	46	9	changing	change	VERB
fbem-19592	46	10	market	market	NOUN
fbem-19592	46	11	environment	environment	NOUN
fbem-19592	46	12	,	,	PUNCT
fbem-19592	46	13	a	a	DET
fbem-19592	46	14	company	company	NOUN
fbem-19592	46	15	's	's	PART
fbem-19592	46	16	innovation	innovation	NOUN
fbem-19592	46	17	capability	capability	NOUN
fbem-19592	46	18	has	have	AUX
fbem-19592	46	19	become	become	VERB
fbem-19592	46	20	key	key	ADJ
fbem-19592	46	21	to	to	ADP
fbem-19592	46	22	its	its	PRON
fbem-19592	46	23	sustained	sustained	ADJ
fbem-19592	46	24	competitive	competitive	ADJ
fbem-19592	46	25	advantage	advantage	NOUN
fbem-19592	46	26	.	.	PUNCT
fbem-19592	47	1	innovation	innovation	NOUN
fbem-19592	47	2	is	be	AUX
fbem-19592	47	3	not	not	PART
fbem-19592	47	4	just	just	ADV
fbem-19592	47	5	a	a	DET
fbem-19592	47	6	technological	technological	ADJ
fbem-19592	47	7	breakthrough	breakthrough	NOUN
fbem-19592	47	8	but	but	CCONJ
fbem-19592	47	9	also	also	ADV
fbem-19592	47	10	a	a	DET
fbem-19592	47	11	reflection	reflection	NOUN
fbem-19592	47	12	of	of	ADP
fbem-19592	47	13	a	a	DET
fbem-19592	47	14	mindset	mindset	NOUN
fbem-19592	47	15	and	and	CCONJ
fbem-19592	47	16	corporate	corporate	ADJ
fbem-19592	47	17	culture	culture	NOUN
fbem-19592	47	18	.	.	PUNCT
fbem-19592	48	1	companies	company	NOUN
fbem-19592	48	2	with	with	ADP
fbem-19592	48	3	innovation	innovation	NOUN
fbem-19592	48	4	capabilities	capability	NOUN
fbem-19592	48	5	can	can	AUX
fbem-19592	48	6	continuously	continuously	ADV
fbem-19592	48	7	introduce	introduce	VERB
fbem-19592	48	8	new	new	ADJ
fbem-19592	48	9	products	product	NOUN
fbem-19592	48	10	,	,	PUNCT
fbem-19592	48	11	technologies	technology	NOUN
fbem-19592	48	12	,	,	PUNCT
fbem-19592	48	13	and	and	CCONJ
fbem-19592	48	14	enter	enter	VERB
fbem-19592	48	15	new	new	ADJ
fbem-19592	48	16	markets	market	NOUN
fbem-19592	48	17	,	,	PUNCT
fbem-19592	48	18	thereby	thereby	ADV
fbem-19592	48	19	standing	stand	VERB
fbem-19592	48	20	out	out	ADP
fbem-19592	48	21	in	in	ADP
fbem-19592	48	22	the	the	DET
fbem-19592	48	23	competition	competition	NOUN
fbem-19592	48	24	and	and	CCONJ
fbem-19592	48	25	increasing	increase	VERB
fbem-19592	48	26	corporate	corporate	ADJ
fbem-19592	48	27	value	value	NOUN
fbem-19592	48	28	.	.	PUNCT
fbem-19592	49	1	as	as	SCONJ
fbem-19592	49	2	consumer	consumer	NOUN
fbem-19592	49	3	demands	demand	NOUN
fbem-19592	49	4	continually	continually	ADV
fbem-19592	49	5	evolve	evolve	VERB
fbem-19592	49	6	and	and	CCONJ
fbem-19592	49	7	diversify	diversify	VERB
fbem-19592	49	8	,	,	PUNCT
fbem-19592	49	9	the	the	DET
fbem-19592	49	10	market	market	NOUN
fbem-19592	49	11	's	's	PART
fbem-19592	49	12	expectations	expectation	NOUN
fbem-19592	49	13	for	for	ADP
fbem-19592	49	14	products	product	NOUN
fbem-19592	49	15	and	and	CCONJ
fbem-19592	49	16	services	service	NOUN
fbem-19592	49	17	are	be	AUX
fbem-19592	49	18	also	also	ADV
fbem-19592	49	19	increasing	increase	VERB
fbem-19592	49	20	.	.	PUNCT
fbem-19592	50	1	through	through	ADP
fbem-19592	50	2	innovation	innovation	NOUN
fbem-19592	50	3	,	,	PUNCT
fbem-19592	50	4	companies	company	NOUN
fbem-19592	50	5	can	can	AUX
fbem-19592	50	6	develop	develop	VERB
fbem-19592	50	7	new	new	ADJ
fbem-19592	50	8	products	product	NOUN
fbem-19592	50	9	and	and	CCONJ
fbem-19592	50	10	services	service	NOUN
fbem-19592	50	11	that	that	PRON
fbem-19592	50	12	meet	meet	VERB
fbem-19592	50	13	market	market	NOUN
fbem-19592	50	14	needs	need	NOUN
fbem-19592	50	15	,	,	PUNCT
fbem-19592	50	16	attract	attract	VERB
fbem-19592	50	17	more	more	ADJ
fbem-19592	50	18	customers	customer	NOUN
fbem-19592	50	19	,	,	PUNCT
fbem-19592	50	20	and	and	CCONJ
fbem-19592	50	21	increase	increase	VERB
fbem-19592	50	22	market	market	NOUN
fbem-19592	50	23	share	share	NOUN
fbem-19592	50	24	.	.	PUNCT
fbem-19592	51	1	new	new	ADJ
fbem-19592	51	2	products	product	NOUN
fbem-19592	51	3	and	and	CCONJ
fbem-19592	51	4	services	service	NOUN
fbem-19592	51	5	can	can	AUX
fbem-19592	51	6	not	not	PART
fbem-19592	51	7	only	only	ADV
fbem-19592	51	8	bring	bring	VERB
fbem-19592	51	9	short	short	ADJ
fbem-19592	51	10	-	-	PUNCT
fbem-19592	51	11	term	term	NOUN
fbem-19592	51	12	profits	profit	NOUN
fbem-19592	51	13	to	to	ADP
fbem-19592	51	14	the	the	DET
fbem-19592	51	15	company	company	NOUN
fbem-19592	51	16	but	but	CCONJ
fbem-19592	51	17	also	also	ADV
fbem-19592	51	18	establish	establish	VERB
fbem-19592	51	19	long	long	ADJ
fbem-19592	51	20	-	-	PUNCT
fbem-19592	51	21	term	term	NOUN
fbem-19592	51	22	brand	brand	NOUN
fbem-19592	51	23	advantages	advantage	NOUN
fbem-19592	51	24	and	and	CCONJ
fbem-19592	51	25	market	market	NOUN
fbem-19592	51	26	positions	position	NOUN
fbem-19592	51	27	.	.	PUNCT
fbem-19592	52	1	in	in	ADP
fbem-19592	52	2	today	today	NOUN
fbem-19592	52	3	's	's	PART
fbem-19592	52	4	era	era	NOUN
fbem-19592	52	5	of	of	ADP
fbem-19592	52	6	rapid	rapid	ADJ
fbem-19592	52	7	technological	technological	ADJ
fbem-19592	52	8	advancements	advancement	NOUN
fbem-19592	52	9	,	,	PUNCT
fbem-19592	52	10	companies	company	NOUN
fbem-19592	52	11	must	must	AUX
fbem-19592	52	12	keep	keep	VERB
fbem-19592	52	13	up	up	ADP
fbem-19592	52	14	with	with	ADP
fbem-19592	52	15	new	new	ADJ
fbem-19592	52	16	technological	technological	ADJ
fbem-19592	52	17	developments	development	NOUN
fbem-19592	52	18	and	and	CCONJ
fbem-19592	52	19	apply	apply	VERB
fbem-19592	52	20	them	they	PRON
fbem-19592	52	21	to	to	ADP
fbem-19592	52	22	their	their	PRON
fbem-19592	52	23	production	production	NOUN
fbem-19592	52	24	and	and	CCONJ
fbem-19592	52	25	operations	operation	NOUN
fbem-19592	52	26	.	.	PUNCT
fbem-19592	53	1	through	through	ADP
fbem-19592	53	2	innovation	innovation	NOUN
fbem-19592	53	3	,	,	PUNCT
fbem-19592	53	4	companies	company	NOUN
fbem-19592	53	5	can	can	AUX
fbem-19592	53	6	develop	develop	VERB
fbem-19592	53	7	more	more	ADV
fbem-19592	53	8	efficient	efficient	ADJ
fbem-19592	53	9	and	and	CCONJ
fbem-19592	53	10	environmentally	environmentally	ADV
fbem-19592	53	11	friendly	friendly	ADJ
fbem-19592	53	12	production	production	NOUN
fbem-19592	53	13	technologies	technology	NOUN
fbem-19592	53	14	,	,	PUNCT
fbem-19592	53	15	improve	improve	VERB
fbem-19592	53	16	production	production	NOUN
fbem-19592	53	17	efficiency	efficiency	NOUN
fbem-19592	53	18	and	and	CCONJ
fbem-19592	53	19	product	product	NOUN
fbem-19592	53	20	quality	quality	NOUN
fbem-19592	53	21	,	,	PUNCT
fbem-19592	53	22	and	and	CCONJ
fbem-19592	53	23	enhance	enhance	VERB
fbem-19592	53	24	their	their	PRON
fbem-19592	53	25	competitiveness	competitiveness	NOUN
fbem-19592	53	26	.	.	PUNCT
fbem-19592	54	1	analyze	analyze	NOUN
fbem-19592	54	2	business	business	NOUN
fbem-19592	54	3	history	history	NOUN
fbem-19592	54	4	analyze	analyze	VERB
fbem-19592	54	5	financial	financial	ADJ
fbem-19592	54	6	statements	statement	NOUN
fbem-19592	54	7	collect	collect	VERB
fbem-19592	54	8	information	information	NOUN
fbem-19592	54	9	of	of	ADP
fbem-19592	54	10	trading	trading	NOUN
fbem-19592	54	11	counterparts	counterpart	NOUN
fbem-19592	54	12	determine	determine	VERB
fbem-19592	54	13	credit	credit	NOUN
fbem-19592	54	14	risk	risk	NOUN
fbem-19592	54	15	conduct	conduct	VERB
fbem-19592	54	16	a	a	DET
fbem-19592	54	17	credit	credit	NOUN
fbem-19592	54	18	evaluation	evaluation	NOUN
fbem-19592	54	19	determine	determine	NOUN
fbem-19592	54	20	evaluation	evaluation	NOUN
fbem-19592	54	21	metrics	metric	NOUN
fbem-19592	54	22	make	make	VERB
fbem-19592	54	23	credit	credit	NOUN
fbem-19592	54	24	policy	policy	NOUN
fbem-19592	54	25	reduce	reduce	VERB
fbem-19592	54	26	credit	credit	NOUN
fbem-19592	54	27	risk	risk	NOUN
fbem-19592	54	28	63	63	NUM
fbem-19592	54	29	3	3	NUM
fbem-19592	54	30	.	.	PUNCT
fbem-19592	55	1	the	the	DET
fbem-19592	55	2	association	association	NOUN
fbem-19592	55	3	between	between	ADP
fbem-19592	55	4	corporate	corporate	ADJ
fbem-19592	55	5	financial	financial	ADJ
fbem-19592	55	6	credit	credit	NOUN
fbem-19592	55	7	risk	risk	NOUN
fbem-19592	55	8	management	management	NOUN
fbem-19592	55	9	and	and	CCONJ
fbem-19592	55	10	corporate	corporate	ADJ
fbem-19592	55	11	value	value	NOUN
fbem-19592	55	12	3.1	3.1	NUM
fbem-19592	55	13	.	.	PUNCT
fbem-19592	55	14	protecting	protect	VERB
fbem-19592	55	15	corporate	corporate	ADJ
fbem-19592	55	16	assets	asset	NOUN
fbem-19592	55	17	financial	financial	ADJ
fbem-19592	55	18	credit	credit	NOUN
fbem-19592	55	19	risk	risk	NOUN
fbem-19592	55	20	management	management	NOUN
fbem-19592	55	21	plays	play	VERB
fbem-19592	55	22	a	a	DET
fbem-19592	55	23	crucial	crucial	ADJ
fbem-19592	55	24	role	role	NOUN
fbem-19592	55	25	in	in	ADP
fbem-19592	55	26	the	the	DET
fbem-19592	55	27	stable	stable	ADJ
fbem-19592	55	28	operation	operation	NOUN
fbem-19592	55	29	of	of	ADP
fbem-19592	55	30	a	a	DET
fbem-19592	55	31	company	company	NOUN
fbem-19592	55	32	,	,	PUNCT
fbem-19592	55	33	especially	especially	ADV
fbem-19592	55	34	in	in	ADP
fbem-19592	55	35	protecting	protect	VERB
fbem-19592	55	36	corporate	corporate	ADJ
fbem-19592	55	37	assets	asset	NOUN
fbem-19592	55	38	and	and	CCONJ
fbem-19592	55	39	profits	profit	NOUN
fbem-19592	55	40	.	.	PUNCT
fbem-19592	56	1	in	in	ADP
fbem-19592	56	2	the	the	DET
fbem-19592	56	3	modern	modern	ADJ
fbem-19592	56	4	business	business	NOUN
fbem-19592	56	5	environment	environment	NOUN
fbem-19592	56	6	,	,	PUNCT
fbem-19592	56	7	companies	company	NOUN
fbem-19592	56	8	face	face	VERB
fbem-19592	56	9	credit	credit	NOUN
fbem-19592	56	10	risks	risk	NOUN
fbem-19592	56	11	from	from	ADP
fbem-19592	56	12	various	various	ADJ
fbem-19592	56	13	sources	source	NOUN
fbem-19592	56	14	,	,	PUNCT
fbem-19592	56	15	such	such	ADJ
fbem-19592	56	16	as	as	ADP
fbem-19592	56	17	customer	customer	NOUN
fbem-19592	56	18	defaults	default	NOUN
fbem-19592	56	19	,	,	PUNCT
fbem-19592	56	20	supplier	supplier	NOUN
fbem-19592	56	21	insolvency	insolvency	NOUN
fbem-19592	56	22	,	,	PUNCT
fbem-19592	56	23	and	and	CCONJ
fbem-19592	56	24	market	market	NOUN
fbem-19592	56	25	fluctuations	fluctuation	NOUN
fbem-19592	56	26	.	.	PUNCT
fbem-19592	57	1	if	if	SCONJ
fbem-19592	57	2	not	not	PART
fbem-19592	57	3	properly	properly	ADV
fbem-19592	57	4	managed	manage	VERB
fbem-19592	57	5	,	,	PUNCT
fbem-19592	57	6	these	these	DET
fbem-19592	57	7	risks	risk	NOUN
fbem-19592	57	8	could	could	AUX
fbem-19592	57	9	severely	severely	ADV
fbem-19592	57	10	impact	impact	VERB
fbem-19592	57	11	the	the	DET
fbem-19592	57	12	company	company	NOUN
fbem-19592	57	13	's	's	PART
fbem-19592	57	14	financial	financial	ADJ
fbem-19592	57	15	condition	condition	NOUN
fbem-19592	57	16	and	and	CCONJ
fbem-19592	57	17	even	even	ADV
fbem-19592	57	18	threaten	threaten	VERB
fbem-19592	57	19	its	its	PRON
fbem-19592	57	20	survival	survival	NOUN
fbem-19592	57	21	and	and	CCONJ
fbem-19592	57	22	development	development	NOUN
fbem-19592	57	23	.	.	PUNCT
fbem-19592	58	1	financial	financial	ADJ
fbem-19592	58	2	credit	credit	NOUN
fbem-19592	58	3	risk	risk	NOUN
fbem-19592	58	4	management	management	NOUN
fbem-19592	58	5	involves	involve	VERB
fbem-19592	58	6	developing	develop	VERB
fbem-19592	58	7	strategies	strategy	NOUN
fbem-19592	58	8	and	and	CCONJ
fbem-19592	58	9	measures	measure	NOUN
fbem-19592	58	10	to	to	PART
fbem-19592	58	11	reduce	reduce	VERB
fbem-19592	58	12	financial	financial	ADJ
fbem-19592	58	13	losses	loss	NOUN
fbem-19592	58	14	caused	cause	VERB
fbem-19592	58	15	by	by	ADP
fbem-19592	58	16	defaults	default	NOUN
fbem-19592	58	17	of	of	ADP
fbem-19592	58	18	customers	customer	NOUN
fbem-19592	58	19	,	,	PUNCT
fbem-19592	58	20	suppliers	supplier	NOUN
fbem-19592	58	21	,	,	PUNCT
fbem-19592	58	22	or	or	CCONJ
fbem-19592	58	23	other	other	ADJ
fbem-19592	58	24	trading	trading	NOUN
fbem-19592	58	25	counterparts[5	counterparts[5	PROPN
fbem-19592	58	26	]	]	PUNCT
fbem-19592	58	27	.	.	PUNCT
fbem-19592	59	1	this	this	PRON
fbem-19592	59	2	includes	include	VERB
fbem-19592	59	3	establishing	establish	VERB
fbem-19592	59	4	a	a	DET
fbem-19592	59	5	customer	customer	NOUN
fbem-19592	59	6	credit	credit	NOUN
fbem-19592	59	7	assessment	assessment	NOUN
fbem-19592	59	8	system	system	NOUN
fbem-19592	59	9	,	,	PUNCT
fbem-19592	59	10	periodically	periodically	ADV
fbem-19592	59	11	reviewing	review	VERB
fbem-19592	59	12	and	and	CCONJ
fbem-19592	59	13	updating	update	VERB
fbem-19592	59	14	the	the	DET
fbem-19592	59	15	credit	credit	NOUN
fbem-19592	59	16	status	status	NOUN
fbem-19592	59	17	of	of	ADP
fbem-19592	59	18	trading	trading	NOUN
fbem-19592	59	19	counterparts	counterpart	NOUN
fbem-19592	59	20	,	,	PUNCT
fbem-19592	59	21	and	and	CCONJ
fbem-19592	59	22	formulating	formulate	VERB
fbem-19592	59	23	strict	strict	ADJ
fbem-19592	59	24	contract	contract	NOUN
fbem-19592	59	25	terms	term	NOUN
fbem-19592	59	26	and	and	CCONJ
fbem-19592	59	27	credit	credit	NOUN
fbem-19592	59	28	policies	policy	NOUN
fbem-19592	59	29	to	to	PART
fbem-19592	59	30	ensure	ensure	VERB
fbem-19592	59	31	comprehensive	comprehensive	ADJ
fbem-19592	59	32	protection	protection	NOUN
fbem-19592	59	33	during	during	ADP
fbem-19592	59	34	transactions	transaction	NOUN
fbem-19592	59	35	.	.	PUNCT
fbem-19592	60	1	effective	effective	ADJ
fbem-19592	60	2	credit	credit	NOUN
fbem-19592	60	3	risk	risk	NOUN
fbem-19592	60	4	management	management	NOUN
fbem-19592	60	5	enables	enable	VERB
fbem-19592	60	6	companies	company	NOUN
fbem-19592	60	7	to	to	PART
fbem-19592	60	8	operate	operate	VERB
fbem-19592	60	9	more	more	ADV
fbem-19592	60	10	robustly	robustly	ADV
fbem-19592	60	11	,	,	PUNCT
fbem-19592	60	12	avoid	avoid	VERB
fbem-19592	60	13	unexpected	unexpected	ADJ
fbem-19592	60	14	losses	loss	NOUN
fbem-19592	60	15	due	due	ADP
fbem-19592	60	16	to	to	ADP
fbem-19592	60	17	credit	credit	NOUN
fbem-19592	60	18	risks	risk	NOUN
fbem-19592	60	19	,	,	PUNCT
fbem-19592	60	20	and	and	CCONJ
fbem-19592	60	21	create	create	VERB
fbem-19592	60	22	more	more	ADJ
fbem-19592	60	23	business	business	NOUN
fbem-19592	60	24	opportunities	opportunity	NOUN
fbem-19592	60	25	and	and	CCONJ
fbem-19592	60	26	value	value	NOUN
fbem-19592	60	27	.	.	PUNCT
fbem-19592	61	1	3.2	3.2	NUM
fbem-19592	61	2	.	.	X
fbem-19592	62	1	optimizing	optimize	VERB
fbem-19592	62	2	capital	capital	NOUN
fbem-19592	62	3	operations	operation	NOUN
fbem-19592	62	4	financial	financial	ADJ
fbem-19592	62	5	credit	credit	NOUN
fbem-19592	62	6	risk	risk	NOUN
fbem-19592	62	7	management	management	NOUN
fbem-19592	62	8	is	be	AUX
fbem-19592	62	9	not	not	PART
fbem-19592	62	10	only	only	ADV
fbem-19592	62	11	about	about	ADP
fbem-19592	62	12	protecting	protect	VERB
fbem-19592	62	13	assets	asset	NOUN
fbem-19592	62	14	and	and	CCONJ
fbem-19592	62	15	stabilizing	stabilize	VERB
fbem-19592	62	16	profits	profit	NOUN
fbem-19592	62	17	but	but	CCONJ
fbem-19592	62	18	also	also	ADV
fbem-19592	62	19	plays	play	VERB
fbem-19592	62	20	a	a	DET
fbem-19592	62	21	vital	vital	ADJ
fbem-19592	62	22	role	role	NOUN
fbem-19592	62	23	in	in	ADP
fbem-19592	62	24	optimizing	optimize	VERB
fbem-19592	62	25	capital	capital	NOUN
fbem-19592	62	26	use	use	NOUN
fbem-19592	62	27	and	and	CCONJ
fbem-19592	62	28	operational	operational	ADJ
fbem-19592	62	29	efficiency	efficiency	NOUN
fbem-19592	62	30	,	,	PUNCT
fbem-19592	62	31	as	as	SCONJ
fbem-19592	62	32	detailed	detailed	ADJ
fbem-19592	62	33	in	in	ADP
fbem-19592	62	34	table	table	NOUN
fbem-19592	62	35	1	1	NUM
fbem-19592	62	36	.	.	PUNCT
fbem-19592	63	1	firstly	firstly	ADV
fbem-19592	63	2	,	,	PUNCT
fbem-19592	63	3	through	through	ADP
fbem-19592	63	4	effective	effective	ADJ
fbem-19592	63	5	credit	credit	NOUN
fbem-19592	63	6	risk	risk	NOUN
fbem-19592	63	7	management	management	NOUN
fbem-19592	63	8	,	,	PUNCT
fbem-19592	63	9	companies	company	NOUN
fbem-19592	63	10	can	can	AUX
fbem-19592	63	11	more	more	ADV
fbem-19592	63	12	accurately	accurately	ADV
fbem-19592	63	13	assess	assess	VERB
fbem-19592	63	14	the	the	DET
fbem-19592	63	15	credit	credit	NOUN
fbem-19592	63	16	status	status	NOUN
fbem-19592	63	17	of	of	ADP
fbem-19592	63	18	trading	trading	NOUN
fbem-19592	63	19	counterparts	counterpart	NOUN
fbem-19592	63	20	,	,	PUNCT
fbem-19592	63	21	avoiding	avoid	VERB
fbem-19592	63	22	unnecessary	unnecessary	ADJ
fbem-19592	63	23	transactions	transaction	NOUN
fbem-19592	63	24	with	with	ADP
fbem-19592	63	25	counterparts	counterpart	NOUN
fbem-19592	63	26	of	of	ADP
fbem-19592	63	27	poor	poor	ADJ
fbem-19592	63	28	credit	credit	NOUN
fbem-19592	63	29	status	status	NOUN
fbem-19592	63	30	,	,	PUNCT
fbem-19592	63	31	reducing	reduce	VERB
fbem-19592	63	32	exposure	exposure	NOUN
fbem-19592	63	33	to	to	ADP
fbem-19592	63	34	credit	credit	NOUN
fbem-19592	63	35	risks	risk	NOUN
fbem-19592	63	36	,	,	PUNCT
fbem-19592	63	37	and	and	CCONJ
fbem-19592	63	38	avoiding	avoid	VERB
fbem-19592	63	39	potential	potential	ADJ
fbem-19592	63	40	losses	loss	NOUN
fbem-19592	63	41	.	.	PUNCT
fbem-19592	64	1	accurate	accurate	ADJ
fbem-19592	64	2	credit	credit	NOUN
fbem-19592	64	3	assessment	assessment	NOUN
fbem-19592	64	4	also	also	ADV
fbem-19592	64	5	helps	help	VERB
fbem-19592	64	6	companies	company	NOUN
fbem-19592	64	7	to	to	PART
fbem-19592	64	8	negotiate	negotiate	VERB
fbem-19592	64	9	from	from	ADP
fbem-19592	64	10	a	a	DET
fbem-19592	64	11	position	position	NOUN
fbem-19592	64	12	of	of	ADP
fbem-19592	64	13	strength	strength	NOUN
fbem-19592	64	14	in	in	ADP
fbem-19592	64	15	transactions	transaction	NOUN
fbem-19592	64	16	with	with	ADP
fbem-19592	64	17	partners	partner	NOUN
fbem-19592	64	18	,	,	PUNCT
fbem-19592	64	19	ensuring	ensure	VERB
fbem-19592	64	20	the	the	DET
fbem-19592	64	21	safe	safe	ADJ
fbem-19592	64	22	and	and	CCONJ
fbem-19592	64	23	efficient	efficient	ADJ
fbem-19592	64	24	use	use	NOUN
fbem-19592	64	25	of	of	ADP
fbem-19592	64	26	funds	fund	NOUN
fbem-19592	64	27	.	.	PUNCT
fbem-19592	65	1	secondly	secondly	ADV
fbem-19592	65	2	,	,	PUNCT
fbem-19592	65	3	financial	financial	ADJ
fbem-19592	65	4	credit	credit	NOUN
fbem-19592	65	5	risk	risk	NOUN
fbem-19592	65	6	management	management	NOUN
fbem-19592	65	7	can	can	AUX
fbem-19592	65	8	streamline	streamline	VERB
fbem-19592	65	9	internal	internal	ADJ
fbem-19592	65	10	approval	approval	NOUN
fbem-19592	65	11	and	and	CCONJ
fbem-19592	65	12	credit	credit	NOUN
fbem-19592	65	13	checking	checking	NOUN
fbem-19592	65	14	processes	process	NOUN
fbem-19592	65	15	,	,	PUNCT
fbem-19592	65	16	centrally	centrally	ADV
fbem-19592	65	17	manage	manage	VERB
fbem-19592	65	18	and	and	CCONJ
fbem-19592	65	19	periodically	periodically	ADV
fbem-19592	65	20	update	update	VERB
fbem-19592	65	21	the	the	DET
fbem-19592	65	22	credit	credit	NOUN
fbem-19592	65	23	status	status	NOUN
fbem-19592	65	24	of	of	ADP
fbem-19592	65	25	trading	trading	NOUN
fbem-19592	65	26	counterparts	counterpart	NOUN
fbem-19592	65	27	,	,	PUNCT
fbem-19592	65	28	reducing	reduce	VERB
fbem-19592	65	29	the	the	DET
fbem-19592	65	30	need	need	NOUN
fbem-19592	65	31	for	for	ADP
fbem-19592	65	32	multiple	multiple	ADJ
fbem-19592	65	33	credit	credit	NOUN
fbem-19592	65	34	checks	check	NOUN
fbem-19592	65	35	on	on	ADP
fbem-19592	65	36	a	a	DET
fbem-19592	65	37	single	single	ADJ
fbem-19592	65	38	counterpart	counterpart	NOUN
fbem-19592	65	39	and	and	CCONJ
fbem-19592	65	40	lowering	lower	VERB
fbem-19592	65	41	operational	operational	ADJ
fbem-19592	65	42	costs	cost	NOUN
fbem-19592	65	43	.	.	PUNCT
fbem-19592	66	1	this	this	DET
fbem-19592	66	2	streamlined	streamlined	ADJ
fbem-19592	66	3	approval	approval	NOUN
fbem-19592	66	4	process	process	NOUN
fbem-19592	66	5	improves	improve	VERB
fbem-19592	66	6	operational	operational	ADJ
fbem-19592	66	7	efficiency	efficiency	NOUN
fbem-19592	66	8	,	,	PUNCT
fbem-19592	66	9	enhances	enhance	VERB
fbem-19592	66	10	market	market	NOUN
fbem-19592	66	11	responsiveness	responsiveness	NOUN
fbem-19592	66	12	,	,	PUNCT
fbem-19592	66	13	and	and	CCONJ
fbem-19592	66	14	makes	make	VERB
fbem-19592	66	15	the	the	DET
fbem-19592	66	16	company	company	NOUN
fbem-19592	66	17	more	more	ADV
fbem-19592	66	18	competitive	competitive	ADJ
fbem-19592	66	19	in	in	ADP
fbem-19592	66	20	the	the	DET
fbem-19592	66	21	business	business	NOUN
fbem-19592	66	22	environment	environment	NOUN
fbem-19592	66	23	.	.	PUNCT
fbem-19592	67	1	lastly	lastly	ADV
fbem-19592	67	2	,	,	PUNCT
fbem-19592	67	3	financial	financial	ADJ
fbem-19592	67	4	credit	credit	NOUN
fbem-19592	67	5	risk	risk	NOUN
fbem-19592	67	6	management	management	NOUN
fbem-19592	67	7	provides	provide	VERB
fbem-19592	67	8	valuable	valuable	ADJ
fbem-19592	67	9	information	information	NOUN
fbem-19592	67	10	about	about	ADP
fbem-19592	67	11	the	the	DET
fbem-19592	67	12	market	market	NOUN
fbem-19592	67	13	and	and	CCONJ
fbem-19592	67	14	trading	trading	NOUN
fbem-19592	67	15	counterparts	counterpart	NOUN
fbem-19592	67	16	.	.	PUNCT
fbem-19592	68	1	by	by	ADP
fbem-19592	68	2	collecting	collect	VERB
fbem-19592	68	3	and	and	CCONJ
fbem-19592	68	4	analyzing	analyze	VERB
fbem-19592	68	5	credit	credit	NOUN
fbem-19592	68	6	data	datum	NOUN
fbem-19592	68	7	,	,	PUNCT
fbem-19592	68	8	companies	company	NOUN
fbem-19592	68	9	can	can	AUX
fbem-19592	68	10	gain	gain	VERB
fbem-19592	68	11	deeper	deep	ADJ
fbem-19592	68	12	insights	insight	NOUN
fbem-19592	68	13	into	into	ADP
fbem-19592	68	14	market	market	NOUN
fbem-19592	68	15	and	and	CCONJ
fbem-19592	68	16	competitor	competitor	NOUN
fbem-19592	68	17	dynamics	dynamic	NOUN
fbem-19592	68	18	,	,	PUNCT
fbem-19592	68	19	formulating	formulate	VERB
fbem-19592	68	20	more	more	ADV
fbem-19592	68	21	precise	precise	ADJ
fbem-19592	68	22	and	and	CCONJ
fbem-19592	68	23	effective	effective	ADJ
fbem-19592	68	24	business	business	NOUN
fbem-19592	68	25	strategies	strategy	NOUN
fbem-19592	68	26	.	.	PUNCT
fbem-19592	69	1	this	this	DET
fbem-19592	69	2	business	business	NOUN
fbem-19592	69	3	acumen	acuman	NOUN
fbem-19592	69	4	based	base	VERB
fbem-19592	69	5	on	on	ADP
fbem-19592	69	6	credit	credit	NOUN
fbem-19592	69	7	data	datum	NOUN
fbem-19592	69	8	helps	help	VERB
fbem-19592	69	9	companies	company	NOUN
fbem-19592	69	10	use	use	VERB
fbem-19592	69	11	funds	fund	NOUN
fbem-19592	69	12	more	more	ADV
fbem-19592	69	13	efficiently	efficiently	ADV
fbem-19592	69	14	,	,	PUNCT
fbem-19592	69	15	optimizing	optimize	VERB
fbem-19592	69	16	resource	resource	NOUN
fbem-19592	69	17	allocation	allocation	NOUN
fbem-19592	69	18	and	and	CCONJ
fbem-19592	69	19	operational	operational	ADJ
fbem-19592	69	20	efficiency	efficiency	NOUN
fbem-19592	69	21	.	.	PUNCT
fbem-19592	70	1	table	table	NOUN
fbem-19592	70	2	1	1	NUM
fbem-19592	70	3	.	.	PUNCT
fbem-19592	70	4	financial	financial	ADJ
fbem-19592	70	5	credit	credit	NOUN
fbem-19592	70	6	risk	risk	NOUN
fbem-19592	70	7	management	management	NOUN
fbem-19592	70	8	processes	process	VERB
fbem-19592	70	9	risk	risk	NOUN
fbem-19592	70	10	management	management	NOUN
fbem-19592	70	11	steps	step	VERB
fbem-19592	70	12	specific	specific	ADJ
fbem-19592	70	13	manifestations	manifestation	NOUN
fbem-19592	70	14	affecting	affect	VERB
fbem-19592	70	15	capital	capital	NOUN
fbem-19592	70	16	utilization	utilization	NOUN
fbem-19592	70	17	and	and	CCONJ
fbem-19592	70	18	operational	operational	ADJ
fbem-19592	70	19	efficiency	efficiency	NOUN
fbem-19592	70	20	credit	credit	NOUN
fbem-19592	70	21	assessment	assessment	NOUN
fbem-19592	70	22	simplification	simplification	NOUN
fbem-19592	70	23	of	of	ADP
fbem-19592	70	24	approval	approval	NOUN
fbem-19592	70	25	processes	process	NOUN
fbem-19592	70	26	accurately	accurately	ADV
fbem-19592	70	27	assessing	assess	VERB
fbem-19592	70	28	the	the	DET
fbem-19592	70	29	credit	credit	NOUN
fbem-19592	70	30	status	status	NOUN
fbem-19592	70	31	of	of	ADP
fbem-19592	70	32	trading	trading	NOUN
fbem-19592	70	33	counterparts	counterpart	NOUN
fbem-19592	70	34	to	to	PART
fbem-19592	70	35	avoid	avoid	VERB
fbem-19592	70	36	unnecessary	unnecessary	ADJ
fbem-19592	70	37	transactions	transaction	NOUN
fbem-19592	70	38	with	with	ADP
fbem-19592	70	39	those	those	PRON
fbem-19592	70	40	of	of	ADP
fbem-19592	70	41	poor	poor	ADJ
fbem-19592	70	42	credit	credit	NOUN
fbem-19592	70	43	,	,	PUNCT
fbem-19592	70	44	reducing	reduce	VERB
fbem-19592	70	45	capital	capital	NOUN
fbem-19592	70	46	risk	risk	NOUN
fbem-19592	70	47	.	.	PUNCT
fbem-19592	71	1	providing	provide	VERB
fbem-19592	71	2	credit	credit	NOUN
fbem-19592	71	3	information	information	NOUN
fbem-19592	71	4	of	of	ADP
fbem-19592	71	5	trading	trading	NOUN
fbem-19592	71	6	counterparts	counterpart	NOUN
fbem-19592	71	7	to	to	PART
fbem-19592	71	8	help	help	VERB
fbem-19592	71	9	decision	decision	NOUN
fbem-19592	71	10	-	-	PUNCT
fbem-19592	71	11	makers	maker	NOUN
fbem-19592	71	12	make	make	VERB
fbem-19592	71	13	wiser	wise	ADJ
fbem-19592	71	14	capital	capital	NOUN
fbem-19592	71	15	utilization	utilization	NOUN
fbem-19592	71	16	decisions	decision	NOUN
fbem-19592	71	17	.	.	PUNCT
fbem-19592	72	1	collection	collection	NOUN
fbem-19592	72	2	and	and	CCONJ
fbem-19592	72	3	analysis	analysis	NOUN
fbem-19592	72	4	of	of	ADP
fbem-19592	72	5	credit	credit	NOUN
fbem-19592	72	6	data	datum	NOUN
fbem-19592	72	7	formulation	formulation	NOUN
fbem-19592	72	8	of	of	ADP
fbem-19592	72	9	risk	risk	NOUN
fbem-19592	72	10	management	management	NOUN
fbem-19592	72	11	strategies	strategy	NOUN
fbem-19592	72	12	reducing	reduce	VERB
fbem-19592	72	13	multiple	multiple	ADJ
fbem-19592	72	14	credit	credit	NOUN
fbem-19592	72	15	checks	check	NOUN
fbem-19592	72	16	on	on	ADP
fbem-19592	72	17	a	a	DET
fbem-19592	72	18	single	single	ADJ
fbem-19592	72	19	trading	trading	NOUN
fbem-19592	72	20	counterpart	counterpart	NOUN
fbem-19592	72	21	to	to	ADP
fbem-19592	72	22	lower	low	ADJ
fbem-19592	72	23	operational	operational	ADJ
fbem-19592	72	24	costs	cost	NOUN
fbem-19592	72	25	.	.	PUNCT
fbem-19592	73	1	improving	improve	VERB
fbem-19592	73	2	internal	internal	ADJ
fbem-19592	73	3	approval	approval	NOUN
fbem-19592	73	4	efficiency	efficiency	NOUN
fbem-19592	73	5	to	to	PART
fbem-19592	73	6	accelerate	accelerate	VERB
fbem-19592	73	7	the	the	DET
fbem-19592	73	8	speed	speed	NOUN
fbem-19592	73	9	of	of	ADP
fbem-19592	73	10	capital	capital	NOUN
fbem-19592	73	11	circulation	circulation	NOUN
fbem-19592	73	12	and	and	CCONJ
fbem-19592	73	13	enhance	enhance	VERB
fbem-19592	73	14	operational	operational	ADJ
fbem-19592	73	15	efficiency	efficiency	NOUN
fbem-19592	73	16	.	.	PUNCT
fbem-19592	74	1	risk	risk	NOUN
fbem-19592	74	2	management	management	NOUN
fbem-19592	74	3	steps	step	VERB
fbem-19592	74	4	credit	credit	NOUN
fbem-19592	74	5	assessment	assessment	NOUN
fbem-19592	74	6	providing	provide	VERB
fbem-19592	74	7	credit	credit	NOUN
fbem-19592	74	8	data	datum	NOUN
fbem-19592	74	9	on	on	ADP
fbem-19592	74	10	the	the	DET
fbem-19592	74	11	market	market	NOUN
fbem-19592	74	12	and	and	CCONJ
fbem-19592	74	13	competitors	competitor	NOUN
fbem-19592	74	14	to	to	PART
fbem-19592	74	15	help	help	VERB
fbem-19592	74	16	enterprises	enterprise	NOUN
fbem-19592	74	17	formulate	formulate	VERB
fbem-19592	74	18	more	more	ADV
fbem-19592	74	19	precise	precise	ADJ
fbem-19592	74	20	and	and	CCONJ
fbem-19592	74	21	effective	effective	ADJ
fbem-19592	74	22	business	business	NOUN
fbem-19592	74	23	strategies	strategy	NOUN
fbem-19592	74	24	.	.	PUNCT
fbem-19592	75	1	through	through	ADP
fbem-19592	75	2	the	the	DET
fbem-19592	75	3	analysis	analysis	NOUN
fbem-19592	75	4	of	of	ADP
fbem-19592	75	5	credit	credit	NOUN
fbem-19592	75	6	data	datum	NOUN
fbem-19592	75	7	,	,	PUNCT
fbem-19592	75	8	discovering	discover	VERB
fbem-19592	75	9	potential	potential	ADJ
fbem-19592	75	10	market	market	NOUN
fbem-19592	75	11	opportunities	opportunity	NOUN
fbem-19592	75	12	and	and	CCONJ
fbem-19592	75	13	optimizing	optimize	VERB
fbem-19592	75	14	capital	capital	NOUN
fbem-19592	75	15	allocation	allocation	NOUN
fbem-19592	75	16	.	.	PUNCT
fbem-19592	76	1	simplification	simplification	NOUN
fbem-19592	76	2	of	of	ADP
fbem-19592	76	3	approval	approval	NOUN
fbem-19592	76	4	processes	process	NOUN
fbem-19592	76	5	based	base	VERB
fbem-19592	76	6	on	on	ADP
fbem-19592	76	7	credit	credit	NOUN
fbem-19592	76	8	risk	risk	NOUN
fbem-19592	76	9	management	management	NOUN
fbem-19592	76	10	strategies	strategy	NOUN
fbem-19592	76	11	,	,	PUNCT
fbem-19592	76	12	enterprises	enterprise	NOUN
fbem-19592	76	13	can	can	AUX
fbem-19592	76	14	allocate	allocate	VERB
fbem-19592	76	15	resources	resource	NOUN
fbem-19592	76	16	more	more	ADV
fbem-19592	76	17	accurately	accurately	ADV
fbem-19592	76	18	,	,	PUNCT
fbem-19592	76	19	improving	improve	VERB
fbem-19592	76	20	the	the	DET
fbem-19592	76	21	efficiency	efficiency	NOUN
fbem-19592	76	22	of	of	ADP
fbem-19592	76	23	capital	capital	NOUN
fbem-19592	76	24	utilization	utilization	NOUN
fbem-19592	76	25	.	.	PUNCT
fbem-19592	77	1	the	the	DET
fbem-19592	77	2	formulation	formulation	NOUN
fbem-19592	77	3	of	of	ADP
fbem-19592	77	4	risk	risk	NOUN
fbem-19592	77	5	management	management	NOUN
fbem-19592	77	6	strategies	strategy	NOUN
fbem-19592	77	7	helps	help	VERB
fbem-19592	77	8	enterprises	enterprise	NOUN
fbem-19592	77	9	prevent	prevent	VERB
fbem-19592	77	10	potential	potential	ADJ
fbem-19592	77	11	risks	risk	NOUN
fbem-19592	77	12	,	,	PUNCT
fbem-19592	77	13	reducing	reduce	VERB
fbem-19592	77	14	capital	capital	NOUN
fbem-19592	77	15	losses	loss	NOUN
fbem-19592	77	16	caused	cause	VERB
fbem-19592	77	17	by	by	ADP
fbem-19592	77	18	risk	risk	NOUN
fbem-19592	77	19	events	event	NOUN
fbem-19592	77	20	.	.	PUNCT
fbem-19592	78	1	3.3	3.3	NUM
fbem-19592	78	2	.	.	PUNCT
fbem-19592	78	3	enhancing	enhance	VERB
fbem-19592	78	4	market	market	NOUN
fbem-19592	78	5	trust	trust	NOUN
fbem-19592	78	6	financial	financial	ADJ
fbem-19592	78	7	credit	credit	NOUN
fbem-19592	78	8	risk	risk	NOUN
fbem-19592	78	9	management	management	NOUN
fbem-19592	78	10	is	be	AUX
fbem-19592	78	11	directly	directly	ADV
fbem-19592	78	12	related	relate	VERB
fbem-19592	78	13	to	to	ADP
fbem-19592	78	14	the	the	DET
fbem-19592	78	15	company	company	NOUN
fbem-19592	78	16	's	's	PART
fbem-19592	78	17	internal	internal	ADJ
fbem-19592	78	18	financial	financial	ADJ
fbem-19592	78	19	safety	safety	NOUN
fbem-19592	78	20	and	and	CCONJ
fbem-19592	78	21	operational	operational	ADJ
fbem-19592	78	22	efficiency	efficiency	NOUN
fbem-19592	78	23	and	and	CCONJ
fbem-19592	78	24	is	be	AUX
fbem-19592	78	25	an	an	DET
fbem-19592	78	26	important	important	ADJ
fbem-19592	78	27	reflection	reflection	NOUN
fbem-19592	78	28	of	of	ADP
fbem-19592	78	29	the	the	DET
fbem-19592	78	30	company	company	NOUN
fbem-19592	78	31	's	's	PART
fbem-19592	78	32	external	external	ADJ
fbem-19592	78	33	image	image	NOUN
fbem-19592	78	34	and	and	CCONJ
fbem-19592	78	35	market	market	NOUN
fbem-19592	78	36	trust	trust	NOUN
fbem-19592	78	37	.	.	PUNCT
fbem-19592	79	1	a	a	DET
fbem-19592	79	2	company	company	NOUN
fbem-19592	79	3	with	with	ADP
fbem-19592	79	4	strong	strong	ADJ
fbem-19592	79	5	credit	credit	NOUN
fbem-19592	79	6	risk	risk	NOUN
fbem-19592	79	7	management	management	NOUN
fbem-19592	79	8	capabilities	capability	NOUN
fbem-19592	79	9	is	be	AUX
fbem-19592	79	10	often	often	ADV
fbem-19592	79	11	seen	see	VERB
fbem-19592	79	12	by	by	ADP
fbem-19592	79	13	the	the	DET
fbem-19592	79	14	external	external	ADJ
fbem-19592	79	15	world	world	NOUN
fbem-19592	79	16	as	as	ADP
fbem-19592	79	17	a	a	DET
fbem-19592	79	18	stable	stable	ADJ
fbem-19592	79	19	,	,	PUNCT
fbem-19592	79	20	well	well	ADV
fbem-19592	79	21	-	-	PUNCT
fbem-19592	79	22	managed	manage	VERB
fbem-19592	79	23	,	,	PUNCT
fbem-19592	79	24	and	and	CCONJ
fbem-19592	79	25	trustworthy	trustworthy	ADJ
fbem-19592	79	26	partner	partner	NOUN
fbem-19592	79	27	.	.	PUNCT
fbem-19592	80	1	strong	strong	ADJ
fbem-19592	80	2	credit	credit	NOUN
fbem-19592	80	3	risk	risk	NOUN
fbem-19592	80	4	management	management	NOUN
fbem-19592	80	5	capabilities	capability	NOUN
fbem-19592	80	6	enhance	enhance	VERB
fbem-19592	80	7	trust	trust	NOUN
fbem-19592	80	8	among	among	ADP
fbem-19592	80	9	the	the	DET
fbem-19592	80	10	market	market	NOUN
fbem-19592	80	11	and	and	CCONJ
fbem-19592	80	12	investors	investor	NOUN
fbem-19592	80	13	.	.	PUNCT
fbem-19592	81	1	in	in	ADP
fbem-19592	81	2	today	today	NOUN
fbem-19592	81	3	's	's	PART
fbem-19592	81	4	business	business	NOUN
fbem-19592	81	5	environment	environment	NOUN
fbem-19592	81	6	,	,	PUNCT
fbem-19592	81	7	companies	company	NOUN
fbem-19592	81	8	and	and	CCONJ
fbem-19592	81	9	investors	investor	NOUN
fbem-19592	81	10	increasingly	increasingly	ADV
fbem-19592	81	11	focus	focus	VERB
fbem-19592	81	12	on	on	ADP
fbem-19592	81	13	the	the	DET
fbem-19592	81	14	credit	credit	NOUN
fbem-19592	81	15	status	status	NOUN
fbem-19592	81	16	of	of	ADP
fbem-19592	81	17	their	their	PRON
fbem-19592	81	18	partners	partner	NOUN
fbem-19592	81	19	.	.	PUNCT
fbem-19592	82	1	companies	company	NOUN
fbem-19592	82	2	capable	capable	ADJ
fbem-19592	82	3	of	of	ADP
fbem-19592	82	4	effectively	effectively	ADV
fbem-19592	82	5	managing	manage	VERB
fbem-19592	82	6	credit	credit	NOUN
fbem-19592	82	7	risks	risk	NOUN
fbem-19592	82	8	are	be	AUX
fbem-19592	82	9	more	more	ADV
fbem-19592	82	10	likely	likely	ADJ
fbem-19592	82	11	to	to	PART
fbem-19592	82	12	win	win	VERB
fbem-19592	82	13	the	the	DET
fbem-19592	82	14	favor	favor	NOUN
fbem-19592	82	15	of	of	ADP
fbem-19592	82	16	the	the	DET
fbem-19592	82	17	market	market	NOUN
fbem-19592	82	18	and	and	CCONJ
fbem-19592	82	19	investors	investor	NOUN
fbem-19592	82	20	,	,	PUNCT
fbem-19592	82	21	bringing	bring	VERB
fbem-19592	82	22	more	more	ADJ
fbem-19592	82	23	business	business	NOUN
fbem-19592	82	24	opportunities	opportunity	NOUN
fbem-19592	82	25	and	and	CCONJ
fbem-19592	82	26	capital	capital	NOUN
fbem-19592	82	27	support	support	NOUN
fbem-19592	82	28	.	.	PUNCT
fbem-19592	83	1	enhancing	enhance	VERB
fbem-19592	83	2	credit	credit	NOUN
fbem-19592	83	3	risk	risk	NOUN
fbem-19592	83	4	management	management	NOUN
fbem-19592	83	5	capabilities	capability	NOUN
fbem-19592	83	6	helps	help	VERB
fbem-19592	83	7	companies	company	NOUN
fbem-19592	83	8	expand	expand	VERB
fbem-19592	83	9	their	their	PRON
fbem-19592	83	10	market	market	NOUN
fbem-19592	83	11	share	share	NOUN
fbem-19592	83	12	.	.	PUNCT
fbem-19592	84	1	when	when	SCONJ
fbem-19592	84	2	a	a	DET
fbem-19592	84	3	company	company	NOUN
fbem-19592	84	4	establishes	establish	VERB
fbem-19592	84	5	a	a	DET
fbem-19592	84	6	good	good	ADJ
fbem-19592	84	7	credit	credit	NOUN
fbem-19592	84	8	reputation	reputation	NOUN
fbem-19592	84	9	in	in	ADP
fbem-19592	84	10	the	the	DET
fbem-19592	84	11	market	market	NOUN
fbem-19592	84	12	,	,	PUNCT
fbem-19592	84	13	its	its	PRON
fbem-19592	84	14	products	product	NOUN
fbem-19592	84	15	and	and	CCONJ
fbem-19592	84	16	services	service	NOUN
fbem-19592	84	17	are	be	AUX
fbem-19592	84	18	more	more	ADV
fbem-19592	84	19	readily	readily	ADV
fbem-19592	84	20	accepted	accept	VERB
fbem-19592	84	21	and	and	CCONJ
fbem-19592	84	22	recognized	recognize	VERB
fbem-19592	84	23	by	by	ADP
fbem-19592	84	24	customers	customer	NOUN
fbem-19592	84	25	.	.	PUNCT
fbem-19592	85	1	this	this	DET
fbem-19592	85	2	market	market	NOUN
fbem-19592	85	3	advantage	advantage	NOUN
fbem-19592	85	4	based	base	VERB
fbem-19592	85	5	on	on	ADP
fbem-19592	85	6	credit	credit	NOUN
fbem-19592	85	7	helps	help	VERB
fbem-19592	85	8	companies	company	NOUN
fbem-19592	85	9	gradually	gradually	ADV
fbem-19592	85	10	expand	expand	VERB
fbem-19592	85	11	their	their	PRON
fbem-19592	85	12	market	market	NOUN
fbem-19592	85	13	share	share	NOUN
fbem-19592	85	14	,	,	PUNCT
fbem-19592	85	15	achieving	achieve	VERB
fbem-19592	85	16	continuous	continuous	ADJ
fbem-19592	85	17	business	business	NOUN
fbem-19592	85	18	growth	growth	NOUN
fbem-19592	85	19	.	.	PUNCT
fbem-19592	86	1	financial	financial	ADJ
fbem-19592	86	2	credit	credit	NOUN
fbem-19592	86	3	risk	risk	NOUN
fbem-19592	86	4	management	management	NOUN
fbem-19592	86	5	plays	play	VERB
fbem-19592	86	6	a	a	DET
fbem-19592	86	7	vital	vital	ADJ
fbem-19592	86	8	role	role	NOUN
fbem-19592	86	9	in	in	ADP
fbem-19592	86	10	enhancing	enhance	VERB
fbem-19592	86	11	market	market	NOUN
fbem-19592	86	12	trust	trust	NOUN
fbem-19592	86	13	and	and	CCONJ
fbem-19592	86	14	brand	brand	NOUN
fbem-19592	86	15	image	image	NOUN
fbem-19592	86	16	.	.	PUNCT
fbem-19592	87	1	this	this	DET
fbem-19592	87	2	competitive	competitive	ADJ
fbem-19592	87	3	advantage	advantage	NOUN
fbem-19592	87	4	based	base	VERB
fbem-19592	87	5	on	on	ADP
fbem-19592	87	6	credit	credit	NOUN
fbem-19592	87	7	will	will	AUX
fbem-19592	87	8	be	be	AUX
fbem-19592	87	9	key	key	ADJ
fbem-19592	87	10	to	to	ADP
fbem-19592	87	11	the	the	DET
fbem-19592	87	12	company	company	NOUN
fbem-19592	87	13	's	's	PART
fbem-19592	87	14	success	success	NOUN
fbem-19592	87	15	in	in	ADP
fbem-19592	87	16	future	future	ADJ
fbem-19592	87	17	business	business	NOUN
fbem-19592	87	18	competitions	competition	NOUN
fbem-19592	87	19	.	.	PUNCT
fbem-19592	88	1	4	4	X
fbem-19592	88	2	.	.	X
fbem-19592	88	3	conclusion	conclusion	NOUN
fbem-19592	88	4	in	in	ADP
fbem-19592	88	5	summary	summary	NOUN
fbem-19592	88	6	,	,	PUNCT
fbem-19592	88	7	the	the	DET
fbem-19592	88	8	association	association	NOUN
fbem-19592	88	9	between	between	ADP
fbem-19592	88	10	corporate	corporate	ADJ
fbem-19592	88	11	financial	financial	ADJ
fbem-19592	88	12	credit	credit	NOUN
fbem-19592	88	13	risk	risk	NOUN
fbem-19592	88	14	management	management	NOUN
fbem-19592	88	15	and	and	CCONJ
fbem-19592	88	16	corporate	corporate	ADJ
fbem-19592	88	17	value	value	NOUN
fbem-19592	88	18	is	be	AUX
fbem-19592	88	19	evident	evident	ADJ
fbem-19592	88	20	.	.	PUNCT
fbem-19592	89	1	a	a	DET
fbem-19592	89	2	64	64	NUM
fbem-19592	89	3	sound	sound	ADJ
fbem-19592	89	4	and	and	CCONJ
fbem-19592	89	5	efficient	efficient	ADJ
fbem-19592	89	6	financial	financial	ADJ
fbem-19592	89	7	credit	credit	NOUN
fbem-19592	89	8	risk	risk	NOUN
fbem-19592	89	9	management	management	NOUN
fbem-19592	89	10	mechanism	mechanism	NOUN
fbem-19592	89	11	not	not	PART
fbem-19592	89	12	only	only	ADV
fbem-19592	89	13	helps	help	VERB
fbem-19592	89	14	companies	company	NOUN
fbem-19592	89	15	avoid	avoid	VERB
fbem-19592	89	16	potential	potential	ADJ
fbem-19592	89	17	financial	financial	ADJ
fbem-19592	89	18	risks	risk	NOUN
fbem-19592	89	19	but	but	CCONJ
fbem-19592	89	20	also	also	ADV
fbem-19592	89	21	optimizes	optimize	VERB
fbem-19592	89	22	the	the	DET
fbem-19592	89	23	decision	decision	NOUN
fbem-19592	89	24	-	-	PUNCT
fbem-19592	89	25	making	make	VERB
fbem-19592	89	26	process	process	NOUN
fbem-19592	89	27	,	,	PUNCT
fbem-19592	89	28	enhances	enhance	VERB
fbem-19592	89	29	market	market	NOUN
fbem-19592	89	30	reputation	reputation	NOUN
fbem-19592	89	31	,	,	PUNCT
fbem-19592	89	32	and	and	CCONJ
fbem-19592	89	33	increases	increase	VERB
fbem-19592	89	34	overall	overall	ADJ
fbem-19592	89	35	corporate	corporate	ADJ
fbem-19592	89	36	value	value	NOUN
fbem-19592	89	37	.	.	PUNCT
fbem-19592	90	1	in	in	ADP
fbem-19592	90	2	an	an	DET
fbem-19592	90	3	increasingly	increasingly	ADV
fbem-19592	90	4	complex	complex	ADJ
fbem-19592	90	5	and	and	CCONJ
fbem-19592	90	6	variable	variable	ADJ
fbem-19592	90	7	business	business	NOUN
fbem-19592	90	8	environment	environment	NOUN
fbem-19592	90	9	,	,	PUNCT
fbem-19592	90	10	this	this	DET
fbem-19592	90	11	association	association	NOUN
fbem-19592	90	12	highlights	highlight	VERB
fbem-19592	90	13	its	its	PRON
fbem-19592	90	14	importance	importance	NOUN
fbem-19592	90	15	.	.	PUNCT
fbem-19592	91	1	optimizing	optimize	VERB
fbem-19592	91	2	financial	financial	ADJ
fbem-19592	91	3	credit	credit	NOUN
fbem-19592	91	4	risk	risk	NOUN
fbem-19592	91	5	management	management	NOUN
fbem-19592	91	6	means	mean	VERB
fbem-19592	91	7	that	that	SCONJ
fbem-19592	91	8	companies	company	NOUN
fbem-19592	91	9	can	can	AUX
fbem-19592	91	10	better	well	ADV
fbem-19592	91	11	identify	identify	VERB
fbem-19592	91	12	,	,	PUNCT
fbem-19592	91	13	assess	assess	NOUN
fbem-19592	91	14	,	,	PUNCT
fbem-19592	91	15	and	and	CCONJ
fbem-19592	91	16	control	control	NOUN
fbem-19592	91	17	risks	risk	NOUN
fbem-19592	91	18	,	,	PUNCT
fbem-19592	91	19	creating	create	VERB
fbem-19592	91	20	a	a	DET
fbem-19592	91	21	more	more	ADV
fbem-19592	91	22	stable	stable	ADJ
fbem-19592	91	23	and	and	CCONJ
fbem-19592	91	24	sustainable	sustainable	ADJ
fbem-19592	91	25	space	space	NOUN
fbem-19592	91	26	for	for	ADP
fbem-19592	91	27	value	value	NOUN
fbem-19592	91	28	enhancement	enhancement	NOUN
fbem-19592	91	29	.	.	PUNCT
fbem-19592	92	1	therefore	therefore	ADV
fbem-19592	92	2	,	,	PUNCT
fbem-19592	92	3	companies	company	NOUN
fbem-19592	92	4	need	need	VERB
fbem-19592	92	5	advanced	advanced	ADJ
fbem-19592	92	6	risk	risk	NOUN
fbem-19592	92	7	management	management	NOUN
fbem-19592	92	8	technologies	technology	NOUN
fbem-19592	92	9	and	and	CCONJ
fbem-19592	92	10	tools	tool	NOUN
fbem-19592	92	11	and	and	CCONJ
fbem-19592	92	12	to	to	PART
fbem-19592	92	13	cultivate	cultivate	VERB
fbem-19592	92	14	management	management	NOUN
fbem-19592	92	15	personnel	personnel	NOUN
fbem-19592	92	16	with	with	ADP
fbem-19592	92	17	a	a	DET
fbem-19592	92	18	high	high	ADJ
fbem-19592	92	19	awareness	awareness	NOUN
fbem-19592	92	20	of	of	ADP
fbem-19592	92	21	risk	risk	NOUN
fbem-19592	92	22	and	and	CCONJ
fbem-19592	92	23	professional	professional	ADJ
fbem-19592	92	24	competence	competence	NOUN
fbem-19592	92	25	.	.	PUNCT
fbem-19592	93	1	moving	move	VERB
fbem-19592	93	2	forward	forward	ADV
fbem-19592	93	3	,	,	PUNCT
fbem-19592	93	4	continuous	continuous	ADJ
fbem-19592	93	5	innovation	innovation	NOUN
fbem-19592	93	6	and	and	CCONJ
fbem-19592	93	7	improvement	improvement	NOUN
fbem-19592	93	8	of	of	ADP
fbem-19592	93	9	the	the	DET
fbem-19592	93	10	risk	risk	NOUN
fbem-19592	93	11	management	management	NOUN
fbem-19592	93	12	system	system	NOUN
fbem-19592	93	13	will	will	AUX
fbem-19592	93	14	enable	enable	VERB
fbem-19592	93	15	companies	company	NOUN
fbem-19592	93	16	to	to	PART
fbem-19592	93	17	remain	remain	VERB
fbem-19592	93	18	invincible	invincible	ADJ
fbem-19592	93	19	in	in	ADP
fbem-19592	93	20	fierce	fierce	ADJ
fbem-19592	93	21	market	market	NOUN
fbem-19592	93	22	competition	competition	NOUN
fbem-19592	93	23	and	and	CCONJ
fbem-19592	93	24	achieve	achieve	VERB
fbem-19592	93	25	long	long	ADJ
fbem-19592	93	26	-	-	PUNCT
fbem-19592	93	27	term	term	NOUN
fbem-19592	93	28	stable	stable	ADJ
fbem-19592	93	29	development	development	NOUN
fbem-19592	93	30	.	.	PUNCT
fbem-19592	94	1	references	reference	NOUN
fbem-19592	94	2	[	[	X
fbem-19592	94	3	1	1	NUM
fbem-19592	94	4	]	]	PUNCT
fbem-19592	94	5	banu	banu	NOUN
fbem-19592	94	6	,	,	PUNCT
fbem-19592	94	7	mst	mst	PROPN
fbem-19592	94	8	hasna	hasna	PROPN
fbem-19592	94	9	,	,	PUNCT
fbem-19592	94	10	md	md	PROPN
fbem-19592	94	11	sayaduzzaman	sayaduzzaman	NOUN
fbem-19592	94	12	,	,	PUNCT
fbem-19592	94	13	and	and	CCONJ
fbem-19592	94	14	subhash	subhash	PROPN
fbem-19592	94	15	chandra	chandra	PROPN
fbem-19592	94	16	sil	sil	PROPN
fbem-19592	94	17	.	.	PUNCT
fbem-19592	95	1	the	the	DET
fbem-19592	95	2	impact	impact	NOUN
fbem-19592	95	3	of	of	ADP
fbem-19592	95	4	credit	credit	NOUN
fbem-19592	95	5	risk	risk	NOUN
fbem-19592	95	6	management	management	NOUN
fbem-19592	95	7	indicators	indicator	NOUN
fbem-19592	95	8	on	on	ADP
fbem-19592	95	9	profitability	profitability	NOUN
fbem-19592	95	10	attributes	attribute	NOUN
fbem-19592	95	11	:	:	PUNCT
fbem-19592	95	12	evidence	evidence	NOUN
fbem-19592	95	13	from	from	ADP
fbem-19592	95	14	the	the	DET
fbem-19592	95	15	state	state	NOUN
fbem-19592	95	16	-	-	PUNCT
fbem-19592	95	17	owned	own	VERB
fbem-19592	95	18	commercial	commercial	ADJ
fbem-19592	95	19	banks	bank	NOUN
fbem-19592	95	20	in	in	ADP
fbem-19592	95	21	bangladesh[j	bangladesh[j	PROPN
fbem-19592	95	22	]	]	PUNCT
fbem-19592	95	23	.	.	PUNCT
fbem-19592	96	1	american	american	PROPN
fbem-19592	96	2	journal	journal	PROPN
fbem-19592	96	3	of	of	ADP
fbem-19592	96	4	trade	trade	NOUN
fbem-19592	96	5	and	and	CCONJ
fbem-19592	96	6	policy	policy	NOUN
fbem-19592	96	7	,	,	PUNCT
fbem-19592	96	8	2021	2021	NUM
fbem-19592	96	9	,	,	PUNCT
fbem-19592	96	10	8	8	NUM
fbem-19592	96	11	:	:	PUNCT
fbem-19592	96	12	215–24	215–24	NUM
fbem-19592	96	13	.	.	PUNCT
fbem-19592	97	1	[	[	X
fbem-19592	97	2	2	2	NUM
fbem-19592	97	3	]	]	X
fbem-19592	97	4	chege	chege	NOUN
fbem-19592	97	5	,	,	PUNCT
fbem-19592	97	6	mwangi	mwangi	PROPN
fbem-19592	97	7	leonard	leonard	PROPN
fbem-19592	97	8	.	.	PUNCT
fbem-19592	98	1	credit	credit	NOUN
fbem-19592	98	2	management	management	NOUN
fbem-19592	98	3	practices	practice	NOUN
fbem-19592	98	4	and	and	CCONJ
fbem-19592	98	5	loan	loan	NOUN
fbem-19592	98	6	default	default	NOUN
fbem-19592	98	7	in	in	ADP
fbem-19592	98	8	agricultural	agricultural	ADJ
fbem-19592	98	9	finance	finance	NOUN
fbem-19592	98	10	corporation	corporation	NOUN
fbem-19592	98	11	,	,	PUNCT
fbem-19592	98	12	kenya	kenya	PROPN
fbem-19592	98	13	.	.	PUNCT
fbem-19592	99	1	master	master	PROPN
fbem-19592	99	2	’s	’s	PART
fbem-19592	99	3	thesis	thesis	NOUN
fbem-19592	99	4	,	,	PUNCT
fbem-19592	99	5	2021	2021	NUM
fbem-19592	99	6	,	,	PUNCT
fbem-19592	99	7	kenyatta	kenyatta	PROPN
fbem-19592	99	8	university	university	PROPN
fbem-19592	99	9	,	,	PUNCT
fbem-19592	99	10	nairobi	nairobi	PROPN
fbem-19592	99	11	,	,	PUNCT
fbem-19592	99	12	kenya	kenya	PROPN
fbem-19592	99	13	.	.	PUNCT
fbem-19592	100	1	[	[	X
fbem-19592	100	2	3	3	NUM
fbem-19592	100	3	]	]	X
fbem-19592	100	4	abubakar	abubakar	PROPN
fbem-19592	100	5	,	,	PUNCT
fbem-19592	100	6	a.	a.	PROPN
fbem-19592	100	7	,	,	PUNCT
fbem-19592	100	8	a.	a.	PROPN
fbem-19592	100	9	s.	s.	PROPN
fbem-19592	100	10	sulaiman	sulaiman	PROPN
fbem-19592	100	11	,	,	PUNCT
fbem-19592	100	12	b.	b.	PROPN
fbem-19592	100	13	usman	usman	PROPN
fbem-19592	100	14	,	,	PUNCT
fbem-19592	100	15	and	and	CCONJ
fbem-19592	100	16	m.	m.	NOUN
fbem-19592	100	17	u.	u.	PROPN
fbem-19592	100	18	mohammed	mohammed	PROPN
fbem-19592	100	19	.	.	PUNCT
fbem-19592	101	1	credit	credit	NOUN
fbem-19592	101	2	risk	risk	NOUN
fbem-19592	101	3	management	management	NOUN
fbem-19592	101	4	and	and	CCONJ
fbem-19592	101	5	financial	financial	ADJ
fbem-19592	101	6	performance	performance	NOUN
fbem-19592	101	7	of	of	ADP
fbem-19592	101	8	quoted	quote	VERB
fbem-19592	101	9	deposit	deposit	NOUN
fbem-19592	101	10	money	money	NOUN
fbem-19592	101	11	banks	bank	NOUN
fbem-19592	101	12	in	in	ADP
fbem-19592	101	13	nigeria	nigeria	PROPN
fbem-19592	102	1	[	[	X
fbem-19592	102	2	j	j	X
fbem-19592	102	3	]	]	X
fbem-19592	102	4	.	.	PUNCT
fbem-19592	103	1	journal	journal	PROPN
fbem-19592	103	2	of	of	ADP
fbem-19592	103	3	finance	finance	NOUN
fbem-19592	103	4	,	,	PUNCT
fbem-19592	103	5	accounting	accounting	NOUN
fbem-19592	103	6	and	and	CCONJ
fbem-19592	103	7	management	management	NOUN
fbem-19592	103	8	,	,	PUNCT
fbem-19592	103	9	2019	2019	NUM
fbem-19592	103	10	,	,	PUNCT
fbem-19592	103	11	10	10	NUM
fbem-19592	103	12	:	:	PUNCT
fbem-19592	103	13	57–74	57–74	NUM
fbem-19592	103	14	.	.	PUNCT
fbem-19592	104	1	[	[	X
fbem-19592	104	2	4	4	NUM
fbem-19592	104	3	]	]	X
fbem-19592	104	4	kuznichenko	kuznichenko	PROPN
fbem-19592	104	5	,	,	PUNCT
fbem-19592	104	6	yana	yana	PROPN
fbem-19592	104	7	,	,	PUNCT
fbem-19592	104	8	serhiy	serhiy	NOUN
fbem-19592	104	9	frolov	frolov	PROPN
fbem-19592	104	10	,	,	PUNCT
fbem-19592	104	11	fedir	fedir	NOUN
fbem-19592	104	12	zhuravka	zhuravka	PROPN
fbem-19592	104	13	,	,	PUNCT
fbem-19592	104	14	mykola	mykola	PROPN
fbem-19592	104	15	yefimov	yefimov	NOUN
fbem-19592	104	16	,	,	PUNCT
fbem-19592	104	17	and	and	CCONJ
fbem-19592	104	18	volodymyr	volodymyr	PROPN
fbem-19592	104	19	fedchenko	fedchenko	PROPN
fbem-19592	104	20	.	.	PUNCT
fbem-19592	105	1	regulatory	regulatory	ADJ
fbem-19592	105	2	assessment	assessment	NOUN
fbem-19592	105	3	of	of	ADP
fbem-19592	105	4	the	the	DET
fbem-19592	105	5	bank	bank	NOUN
fbem-19592	105	6	market	market	NOUN
fbem-19592	105	7	risk	risk	NOUN
fbem-19592	105	8	:	:	PUNCT
fbem-19592	105	9	international	international	ADJ
fbem-19592	105	10	approaches	approach	NOUN
fbem-19592	105	11	and	and	CCONJ
fbem-19592	105	12	ukrainian	ukrainian	ADJ
fbem-19592	105	13	practice[j	practice[j	PROPN
fbem-19592	105	14	]	]	PUNCT
fbem-19592	105	15	.	.	PUNCT
fbem-19592	106	1	banks	bank	NOUN
fbem-19592	106	2	&	&	CCONJ
fbem-19592	106	3	bank	bank	PROPN
fbem-19592	106	4	systems	system	NOUN
fbem-19592	106	5	,	,	PUNCT
fbem-19592	106	6	2018	2018	NUM
fbem-19592	106	7	,	,	PUNCT
fbem-19592	106	8	13	13	NUM
fbem-19592	106	9	:	:	SYM
fbem-19592	106	10	73	73	NUM
fbem-19592	106	11	–	–	PUNCT
fbem-19592	106	12	84	84	NUM
fbem-19592	106	13	.	.	PUNCT
fbem-19592	107	1	[	[	X
fbem-19592	107	2	5	5	NUM
fbem-19592	107	3	]	]	X
fbem-19592	107	4	nguyen	nguyen	NOUN
fbem-19592	107	5	,	,	PUNCT
fbem-19592	107	6	quang	quang	PROPN
fbem-19592	107	7	khai	khai	PROPN
fbem-19592	107	8	,	,	PUNCT
fbem-19592	107	9	and	and	CCONJ
fbem-19592	107	10	van	van	PROPN
fbem-19592	107	11	cuong	cuong	PROPN
fbem-19592	107	12	dang	dang	PROPN
fbem-19592	107	13	.	.	PUNCT
fbem-19592	108	1	does	do	AUX
fbem-19592	108	2	the	the	DET
fbem-19592	108	3	country	country	NOUN
fbem-19592	108	4	’s	’s	PART
fbem-19592	108	5	institutional	institutional	ADJ
fbem-19592	108	6	quality	quality	NOUN
fbem-19592	108	7	enhance	enhance	VERB
fbem-19592	108	8	the	the	DET
fbem-19592	108	9	role	role	NOUN
fbem-19592	108	10	of	of	ADP
fbem-19592	108	11	risk	risk	NOUN
fbem-19592	108	12	governance	governance	NOUN
fbem-19592	108	13	in	in	ADP
fbem-19592	108	14	preventing	prevent	VERB
fbem-19592	108	15	bank	bank	NOUN
fbem-19592	108	16	risk?[j	risk?[j	X
fbem-19592	108	17	]	]	PUNCT
fbem-19592	108	18	applied	apply	VERB
fbem-19592	108	19	economics	economic	NOUN
fbem-19592	108	20	letters	letter	NOUN
fbem-19592	108	21	,	,	PUNCT
fbem-19592	108	22	2023	2023	NUM
fbem-19592	108	23	,	,	PUNCT
fbem-19592	108	24	30	30	NUM
fbem-19592	108	25	:	:	PUNCT
fbem-19592	108	26	850–53	850–53	NUM
fbem-19592	108	27	.	.	PUNCT