id	sid	tid	token	lemma	pos
fbem-21442	1	1	frontiers	frontier	NOUN
fbem-21442	1	2	in	in	ADP
fbem-21442	1	3	business	business	NOUN
fbem-21442	1	4	,	,	PUNCT
fbem-21442	1	5	economics	economic	NOUN
fbem-21442	1	6	and	and	CCONJ
fbem-21442	1	7	management	management	NOUN
fbem-21442	1	8	issn	issn	PROPN
fbem-21442	1	9	:	:	PUNCT
fbem-21442	1	10	2766	2766	NUM
fbem-21442	1	11	-	-	PUNCT
fbem-21442	1	12	824x	824x	NUM
fbem-21442	1	13	|	|	ADJ
fbem-21442	1	14	vol	vol	NOUN
fbem-21442	1	15	.	.	PROPN
fbem-21442	1	16	15	15	NUM
fbem-21442	1	17	,	,	PUNCT
fbem-21442	1	18	no	no	INTJ
fbem-21442	1	19	.	.	NOUN
fbem-21442	1	20	1	1	NUM
fbem-21442	1	21	,	,	PUNCT
fbem-21442	1	22	2024	2024	NUM
fbem-21442	1	23	253	253	NUM
fbem-21442	1	24	the	the	DET
fbem-21442	1	25	impact	impact	NOUN
fbem-21442	1	26	of	of	ADP
fbem-21442	1	27	digital	digital	ADJ
fbem-21442	1	28	inclusive	inclusive	ADJ
fbem-21442	1	29	finance	finance	NOUN
fbem-21442	1	30	on	on	ADP
fbem-21442	1	31	household	household	NOUN
fbem-21442	1	32	consumption	consumption	NOUN
fbem-21442	1	33	:	:	PUNCT
fbem-21442	1	34	empirical	empirical	ADJ
fbem-21442	1	35	analysis	analysis	NOUN
fbem-21442	1	36	based	base	VERB
fbem-21442	1	37	on	on	ADP
fbem-21442	1	38	the	the	DET
fbem-21442	1	39	yangtze	yangtze	PROPN
fbem-21442	1	40	river	river	PROPN
fbem-21442	1	41	economic	economic	ADJ
fbem-21442	1	42	belt	belt	NOUN
fbem-21442	1	43	yutong	yutong	PROPN
fbem-21442	1	44	wei1	wei1	PROPN
fbem-21442	1	45	,	,	PUNCT
fbem-21442	1	46	qiong	qiong	PROPN
fbem-21442	1	47	wang1	wang1	PROPN
fbem-21442	1	48	,	,	PUNCT
fbem-21442	1	49	2	2	NUM
fbem-21442	1	50	,	,	PUNCT
fbem-21442	1	51	*	*	PUNCT
fbem-21442	1	52	1	1	NUM
fbem-21442	1	53	school	school	NOUN
fbem-21442	1	54	of	of	ADP
fbem-21442	1	55	business	business	NOUN
fbem-21442	1	56	,	,	PUNCT
fbem-21442	1	57	jianghan	jianghan	PROPN
fbem-21442	1	58	university	university	PROPN
fbem-21442	1	59	,	,	PUNCT
fbem-21442	1	60	hubei	hubei	PROPN
fbem-21442	1	61	wuhan	wuhan	PROPN
fbem-21442	1	62	430056	430056	NUM
fbem-21442	1	63	,	,	PUNCT
fbem-21442	1	64	china	china	PROPN
fbem-21442	1	65	2	2	NUM
fbem-21442	1	66	manufacturing	manufacturing	NOUN
fbem-21442	1	67	industry	industry	NOUN
fbem-21442	1	68	development	development	NOUN
fbem-21442	1	69	and	and	CCONJ
fbem-21442	1	70	research	research	NOUN
fbem-21442	1	71	center	center	NOUN
fbem-21442	1	72	on	on	ADP
fbem-21442	1	73	wuhan	wuhan	PROPN
fbem-21442	1	74	city	city	PROPN
fbem-21442	1	75	circle	circle	PROPN
fbem-21442	1	76	,	,	PUNCT
fbem-21442	1	77	hubei	hubei	PROPN
fbem-21442	1	78	wuhan	wuhan	PROPN
fbem-21442	1	79	430056	430056	NUM
fbem-21442	1	80	,	,	PUNCT
fbem-21442	1	81	china	china	PROPN
fbem-21442	1	82	*	*	PUNCT
fbem-21442	1	83	corresponding	correspond	VERB
fbem-21442	1	84	author	author	NOUN
fbem-21442	1	85	abstract	abstract	NOUN
fbem-21442	1	86	:	:	PUNCT
fbem-21442	1	87	improving	improve	VERB
fbem-21442	1	88	residents	resident	NOUN
fbem-21442	1	89	'	'	PART
fbem-21442	1	90	consumption	consumption	NOUN
fbem-21442	1	91	level	level	NOUN
fbem-21442	1	92	is	be	AUX
fbem-21442	1	93	one	one	NUM
fbem-21442	1	94	of	of	ADP
fbem-21442	1	95	the	the	DET
fbem-21442	1	96	important	important	ADJ
fbem-21442	1	97	goals	goal	NOUN
fbem-21442	1	98	of	of	ADP
fbem-21442	1	99	china	china	PROPN
fbem-21442	1	100	's	's	PART
fbem-21442	1	101	economic	economic	ADJ
fbem-21442	1	102	development	development	NOUN
fbem-21442	1	103	,	,	PUNCT
fbem-21442	1	104	and	and	CCONJ
fbem-21442	1	105	digital	digital	ADJ
fbem-21442	1	106	inclusive	inclusive	ADJ
fbem-21442	1	107	finance	finance	NOUN
fbem-21442	1	108	,	,	PUNCT
fbem-21442	1	109	as	as	ADP
fbem-21442	1	110	the	the	DET
fbem-21442	1	111	key	key	ADJ
fbem-21442	1	112	work	work	NOUN
fbem-21442	1	113	of	of	ADP
fbem-21442	1	114	financial	financial	ADJ
fbem-21442	1	115	development	development	NOUN
fbem-21442	1	116	,	,	PUNCT
fbem-21442	1	117	has	have	VERB
fbem-21442	1	118	a	a	DET
fbem-21442	1	119	non	non	ADJ
fbem-21442	1	120	-	-	ADJ
fbem-21442	1	121	negligible	negligible	ADJ
fbem-21442	1	122	impact	impact	NOUN
fbem-21442	1	123	on	on	ADP
fbem-21442	1	124	residents	resident	NOUN
fbem-21442	1	125	'	'	PART
fbem-21442	1	126	consumption	consumption	NOUN
fbem-21442	1	127	.	.	PUNCT
fbem-21442	2	1	based	base	VERB
fbem-21442	2	2	on	on	ADP
fbem-21442	2	3	the	the	DET
fbem-21442	2	4	panel	panel	NOUN
fbem-21442	2	5	data	datum	NOUN
fbem-21442	2	6	of	of	ADP
fbem-21442	2	7	11	11	NUM
fbem-21442	2	8	provinces	province	NOUN
fbem-21442	2	9	and	and	CCONJ
fbem-21442	2	10	cities	city	NOUN
fbem-21442	2	11	in	in	ADP
fbem-21442	2	12	the	the	DET
fbem-21442	2	13	yangtze	yangtze	PROPN
fbem-21442	2	14	river	river	PROPN
fbem-21442	2	15	economic	economic	ADJ
fbem-21442	2	16	belt	belt	NOUN
fbem-21442	2	17	from	from	ADP
fbem-21442	2	18	2016	2016	NUM
fbem-21442	2	19	to	to	ADP
fbem-21442	2	20	2022	2022	NUM
fbem-21442	2	21	,	,	PUNCT
fbem-21442	2	22	this	this	DET
fbem-21442	2	23	paper	paper	NOUN
fbem-21442	2	24	empirically	empirically	ADV
fbem-21442	2	25	analyzes	analyze	VERB
fbem-21442	2	26	the	the	DET
fbem-21442	2	27	relationship	relationship	NOUN
fbem-21442	2	28	between	between	ADP
fbem-21442	2	29	digital	digital	ADJ
fbem-21442	2	30	financial	financial	ADJ
fbem-21442	2	31	inclusion	inclusion	NOUN
fbem-21442	2	32	and	and	CCONJ
fbem-21442	2	33	household	household	NOUN
fbem-21442	2	34	consumption	consumption	NOUN
fbem-21442	2	35	by	by	ADP
fbem-21442	2	36	using	use	VERB
fbem-21442	2	37	the	the	DET
fbem-21442	2	38	fixed	fix	VERB
fbem-21442	2	39	-	-	PUNCT
fbem-21442	2	40	effect	effect	NOUN
fbem-21442	2	41	model	model	NOUN
fbem-21442	2	42	and	and	CCONJ
fbem-21442	2	43	considering	consider	VERB
fbem-21442	2	44	the	the	DET
fbem-21442	2	45	endogenous	endogenous	ADJ
fbem-21442	2	46	problem	problem	NOUN
fbem-21442	2	47	.	.	PUNCT
fbem-21442	3	1	the	the	DET
fbem-21442	3	2	findings	finding	NOUN
fbem-21442	3	3	are	be	AUX
fbem-21442	3	4	as	as	SCONJ
fbem-21442	3	5	follows	follow	VERB
fbem-21442	3	6	:	:	PUNCT
fbem-21442	3	7	first	first	ADV
fbem-21442	3	8	,	,	PUNCT
fbem-21442	3	9	digital	digital	ADJ
fbem-21442	3	10	inclusive	inclusive	ADJ
fbem-21442	3	11	finance	finance	NOUN
fbem-21442	3	12	promotes	promote	VERB
fbem-21442	3	13	the	the	DET
fbem-21442	3	14	improvement	improvement	NOUN
fbem-21442	3	15	of	of	ADP
fbem-21442	3	16	residents	resident	NOUN
fbem-21442	3	17	'	'	PART
fbem-21442	3	18	consumption	consumption	NOUN
fbem-21442	3	19	level	level	NOUN
fbem-21442	3	20	,	,	PUNCT
fbem-21442	3	21	and	and	CCONJ
fbem-21442	3	22	this	this	DET
fbem-21442	3	23	result	result	NOUN
fbem-21442	3	24	is	be	AUX
fbem-21442	3	25	robust	robust	ADJ
fbem-21442	3	26	;	;	PUNCT
fbem-21442	3	27	second	second	X
fbem-21442	3	28	,	,	PUNCT
fbem-21442	3	29	the	the	DET
fbem-21442	3	30	mechanism	mechanism	NOUN
fbem-21442	3	31	analysis	analysis	NOUN
fbem-21442	3	32	results	result	NOUN
fbem-21442	3	33	show	show	VERB
fbem-21442	3	34	that	that	SCONJ
fbem-21442	3	35	digital	digital	ADJ
fbem-21442	3	36	inclusive	inclusive	ADJ
fbem-21442	3	37	finance	finance	NOUN
fbem-21442	3	38	can	can	AUX
fbem-21442	3	39	improve	improve	VERB
fbem-21442	3	40	residents	resident	NOUN
fbem-21442	3	41	'	'	PART
fbem-21442	3	42	consumption	consumption	NOUN
fbem-21442	3	43	level	level	NOUN
fbem-21442	3	44	through	through	ADP
fbem-21442	3	45	increasing	increase	VERB
fbem-21442	3	46	residents	resident	NOUN
fbem-21442	3	47	'	'	PART
fbem-21442	3	48	income	income	NOUN
fbem-21442	3	49	,	,	PUNCT
fbem-21442	3	50	digital	digital	ADJ
fbem-21442	3	51	insurance	insurance	NOUN
fbem-21442	3	52	and	and	CCONJ
fbem-21442	3	53	consumer	consumer	NOUN
fbem-21442	3	54	credit	credit	NOUN
fbem-21442	3	55	.	.	PUNCT
fbem-21442	4	1	thirdly	thirdly	ADV
fbem-21442	4	2	,	,	PUNCT
fbem-21442	4	3	from	from	ADP
fbem-21442	4	4	the	the	DET
fbem-21442	4	5	perspective	perspective	NOUN
fbem-21442	4	6	of	of	ADP
fbem-21442	4	7	regional	regional	ADJ
fbem-21442	4	8	and	and	CCONJ
fbem-21442	4	9	urban	urban	ADJ
fbem-21442	4	10	-	-	PUNCT
fbem-21442	4	11	rural	rural	ADJ
fbem-21442	4	12	heterogeneity	heterogeneity	NOUN
fbem-21442	4	13	analysis	analysis	NOUN
fbem-21442	4	14	,	,	PUNCT
fbem-21442	4	15	it	it	PRON
fbem-21442	4	16	is	be	AUX
fbem-21442	4	17	found	find	VERB
fbem-21442	4	18	that	that	SCONJ
fbem-21442	4	19	the	the	DET
fbem-21442	4	20	promoting	promote	VERB
fbem-21442	4	21	effect	effect	NOUN
fbem-21442	4	22	of	of	ADP
fbem-21442	4	23	digital	digital	ADJ
fbem-21442	4	24	inclusive	inclusive	ADJ
fbem-21442	4	25	finance	finance	NOUN
fbem-21442	4	26	on	on	ADP
fbem-21442	4	27	residents	resident	NOUN
fbem-21442	4	28	'	'	PART
fbem-21442	4	29	consumption	consumption	NOUN
fbem-21442	4	30	is	be	AUX
fbem-21442	4	31	more	more	ADV
fbem-21442	4	32	obvious	obvious	ADJ
fbem-21442	4	33	in	in	ADP
fbem-21442	4	34	the	the	DET
fbem-21442	4	35	middle	middle	ADJ
fbem-21442	4	36	reaches	reach	NOUN
fbem-21442	4	37	of	of	ADP
fbem-21442	4	38	the	the	DET
fbem-21442	4	39	yangtze	yangtze	PROPN
fbem-21442	4	40	river	river	PROPN
fbem-21442	4	41	economic	economic	ADJ
fbem-21442	4	42	belt	belt	NOUN
fbem-21442	4	43	,	,	PUNCT
fbem-21442	4	44	while	while	SCONJ
fbem-21442	4	45	the	the	DET
fbem-21442	4	46	promoting	promote	VERB
fbem-21442	4	47	effect	effect	NOUN
fbem-21442	4	48	of	of	ADP
fbem-21442	4	49	digital	digital	ADJ
fbem-21442	4	50	inclusive	inclusive	ADJ
fbem-21442	4	51	finance	finance	NOUN
fbem-21442	4	52	on	on	ADP
fbem-21442	4	53	rural	rural	ADJ
fbem-21442	4	54	residents	resident	NOUN
fbem-21442	4	55	'	'	PART
fbem-21442	4	56	consumption	consumption	NOUN
fbem-21442	4	57	is	be	AUX
fbem-21442	4	58	more	more	ADV
fbem-21442	4	59	significant	significant	ADJ
fbem-21442	4	60	.	.	PUNCT
fbem-21442	5	1	based	base	VERB
fbem-21442	5	2	on	on	ADP
fbem-21442	5	3	this	this	PRON
fbem-21442	5	4	,	,	PUNCT
fbem-21442	5	5	relevant	relevant	ADJ
fbem-21442	5	6	policy	policy	NOUN
fbem-21442	5	7	recommendations	recommendation	NOUN
fbem-21442	5	8	are	be	AUX
fbem-21442	5	9	put	put	VERB
fbem-21442	5	10	forward	forward	ADV
fbem-21442	5	11	,	,	PUNCT
fbem-21442	5	12	and	and	CCONJ
fbem-21442	5	13	the	the	DET
fbem-21442	5	14	yangtze	yangtze	PROPN
fbem-21442	5	15	river	river	PROPN
fbem-21442	5	16	economic	economic	ADJ
fbem-21442	5	17	belt	belt	NOUN
fbem-21442	5	18	region	region	NOUN
fbem-21442	5	19	should	should	AUX
fbem-21442	5	20	improve	improve	VERB
fbem-21442	5	21	the	the	DET
fbem-21442	5	22	relevant	relevant	ADJ
fbem-21442	5	23	policies	policy	NOUN
fbem-21442	5	24	and	and	CCONJ
fbem-21442	5	25	regulations	regulation	NOUN
fbem-21442	5	26	of	of	ADP
fbem-21442	5	27	digital	digital	ADJ
fbem-21442	5	28	inclusive	inclusive	ADJ
fbem-21442	5	29	finance	finance	NOUN
fbem-21442	5	30	,	,	PUNCT
fbem-21442	5	31	driving	drive	VERB
fbem-21442	5	32	progress	progress	NOUN
fbem-21442	5	33	in	in	ADP
fbem-21442	5	34	the	the	DET
fbem-21442	5	35	digital	digital	ADJ
fbem-21442	5	36	insurance	insurance	NOUN
fbem-21442	5	37	industry	industry	NOUN
fbem-21442	5	38	,	,	PUNCT
fbem-21442	5	39	promote	promote	VERB
fbem-21442	5	40	financial	financial	ADJ
fbem-21442	5	41	technology	technology	NOUN
fbem-21442	5	42	innovation	innovation	NOUN
fbem-21442	5	43	and	and	CCONJ
fbem-21442	5	44	differentiated	differentiated	ADJ
fbem-21442	5	45	development	development	NOUN
fbem-21442	5	46	of	of	ADP
fbem-21442	5	47	digital	digital	ADJ
fbem-21442	5	48	inclusive	inclusive	ADJ
fbem-21442	5	49	finance	finance	NOUN
fbem-21442	5	50	.	.	PUNCT
fbem-21442	6	1	keywords	keyword	NOUN
fbem-21442	6	2	:	:	PUNCT
fbem-21442	6	3	digital	digital	ADJ
fbem-21442	6	4	financial	financial	ADJ
fbem-21442	6	5	inclusion	inclusion	NOUN
fbem-21442	6	6	;	;	PUNCT
fbem-21442	6	7	household	household	NOUN
fbem-21442	6	8	consumption	consumption	NOUN
fbem-21442	6	9	;	;	PUNCT
fbem-21442	6	10	mechanism	mechanism	NOUN
fbem-21442	6	11	test	test	NOUN
fbem-21442	6	12	;	;	PUNCT
fbem-21442	6	13	heterogeneity	heterogeneity	NOUN
fbem-21442	6	14	.	.	PUNCT
fbem-21442	7	1	1	1	X
fbem-21442	7	2	.	.	X
fbem-21442	7	3	introduction	introduction	NOUN
fbem-21442	7	4	consumption	consumption	NOUN
fbem-21442	7	5	is	be	AUX
fbem-21442	7	6	an	an	DET
fbem-21442	7	7	important	important	ADJ
fbem-21442	7	8	factor	factor	NOUN
fbem-21442	7	9	affecting	affect	VERB
fbem-21442	7	10	people	people	NOUN
fbem-21442	7	11	's	's	PART
fbem-21442	7	12	quality	quality	NOUN
fbem-21442	7	13	of	of	ADP
fbem-21442	7	14	life	life	NOUN
fbem-21442	7	15	and	and	CCONJ
fbem-21442	7	16	sense	sense	NOUN
fbem-21442	7	17	of	of	ADP
fbem-21442	7	18	happiness	happiness	NOUN
fbem-21442	7	19	,	,	PUNCT
fbem-21442	7	20	and	and	CCONJ
fbem-21442	7	21	also	also	ADV
fbem-21442	7	22	an	an	DET
fbem-21442	7	23	important	important	ADJ
fbem-21442	7	24	driving	driving	NOUN
fbem-21442	7	25	force	force	NOUN
fbem-21442	7	26	and	and	CCONJ
fbem-21442	7	27	support	support	NOUN
fbem-21442	7	28	for	for	ADP
fbem-21442	7	29	economic	economic	ADJ
fbem-21442	7	30	growth	growth	NOUN
fbem-21442	7	31	.	.	PUNCT
fbem-21442	8	1	in	in	ADP
fbem-21442	8	2	recent	recent	ADJ
fbem-21442	8	3	years	year	NOUN
fbem-21442	8	4	,	,	PUNCT
fbem-21442	8	5	the	the	DET
fbem-21442	8	6	state	state	NOUN
fbem-21442	8	7	has	have	AUX
fbem-21442	8	8	issued	issue	VERB
fbem-21442	8	9	a	a	DET
fbem-21442	8	10	series	series	NOUN
fbem-21442	8	11	of	of	ADP
fbem-21442	8	12	documents	document	NOUN
fbem-21442	8	13	emphasizing	emphasize	VERB
fbem-21442	8	14	the	the	DET
fbem-21442	8	15	importance	importance	NOUN
fbem-21442	8	16	of	of	ADP
fbem-21442	8	17	consumption	consumption	NOUN
fbem-21442	8	18	.	.	PUNCT
fbem-21442	9	1	the	the	DET
fbem-21442	9	2	central	central	ADJ
fbem-21442	9	3	economic	economic	ADJ
fbem-21442	9	4	work	work	NOUN
fbem-21442	9	5	conference	conference	NOUN
fbem-21442	9	6	in	in	ADP
fbem-21442	9	7	2022	2022	NUM
fbem-21442	9	8	pointed	point	VERB
fbem-21442	9	9	out	out	ADP
fbem-21442	9	10	that	that	SCONJ
fbem-21442	9	11	"	"	PUNCT
fbem-21442	9	12	we	we	PRON
fbem-21442	9	13	should	should	AUX
fbem-21442	9	14	give	give	VERB
fbem-21442	9	15	priority	priority	NOUN
fbem-21442	9	16	to	to	ADP
fbem-21442	9	17	restoring	restore	VERB
fbem-21442	9	18	and	and	CCONJ
fbem-21442	9	19	expanding	expand	VERB
fbem-21442	9	20	consumption	consumption	NOUN
fbem-21442	9	21	"	"	PUNCT
fbem-21442	9	22	,	,	PUNCT
fbem-21442	9	23	and	and	CCONJ
fbem-21442	9	24	the	the	DET
fbem-21442	9	25	ministry	ministry	PROPN
fbem-21442	9	26	of	of	ADP
fbem-21442	9	27	commerce	commerce	PROPN
fbem-21442	9	28	positioned	position	VERB
fbem-21442	9	29	2023	2023	NUM
fbem-21442	9	30	as	as	ADP
fbem-21442	9	31	the	the	DET
fbem-21442	9	32	"	"	PUNCT
fbem-21442	9	33	year	year	NOUN
fbem-21442	9	34	of	of	ADP
fbem-21442	9	35	consumption	consumption	NOUN
fbem-21442	9	36	boost	boost	NOUN
fbem-21442	9	37	"	"	PUNCT
fbem-21442	9	38	.	.	PUNCT
fbem-21442	10	1	the	the	DET
fbem-21442	10	2	central	central	ADJ
fbem-21442	10	3	economic	economic	ADJ
fbem-21442	10	4	work	work	NOUN
fbem-21442	10	5	conference	conference	NOUN
fbem-21442	10	6	in	in	ADP
fbem-21442	10	7	2023	2023	NUM
fbem-21442	10	8	took	take	VERB
fbem-21442	10	9	"	"	PUNCT
fbem-21442	10	10	focusing	focus	VERB
fbem-21442	10	11	on	on	ADP
fbem-21442	10	12	expanding	expand	VERB
fbem-21442	10	13	domestic	domestic	ADJ
fbem-21442	10	14	demand	demand	NOUN
fbem-21442	10	15	,	,	PUNCT
fbem-21442	10	16	stimulating	stimulate	VERB
fbem-21442	10	17	potential	potential	ADJ
fbem-21442	10	18	consumption	consumption	NOUN
fbem-21442	10	19	,	,	PUNCT
fbem-21442	10	20	and	and	CCONJ
fbem-21442	10	21	promoting	promote	VERB
fbem-21442	10	22	consumption	consumption	NOUN
fbem-21442	10	23	from	from	ADP
fbem-21442	10	24	post	post	ADJ
fbem-21442	10	25	-	-	ADJ
fbem-21442	10	26	epidemic	epidemic	ADJ
fbem-21442	10	27	recovery	recovery	NOUN
fbem-21442	10	28	to	to	ADP
fbem-21442	10	29	sustained	sustained	ADJ
fbem-21442	10	30	expansion	expansion	NOUN
fbem-21442	10	31	"	"	PUNCT
fbem-21442	10	32	as	as	ADP
fbem-21442	10	33	the	the	DET
fbem-21442	10	34	key	key	ADJ
fbem-21442	10	35	work	work	NOUN
fbem-21442	10	36	of	of	ADP
fbem-21442	10	37	2024	2024	NUM
fbem-21442	10	38	,	,	PUNCT
fbem-21442	10	39	and	and	CCONJ
fbem-21442	10	40	the	the	DET
fbem-21442	10	41	ministry	ministry	PROPN
fbem-21442	10	42	of	of	ADP
fbem-21442	10	43	commerce	commerce	PROPN
fbem-21442	10	44	also	also	ADV
fbem-21442	10	45	positioned	position	VERB
fbem-21442	10	46	2024	2024	NUM
fbem-21442	10	47	as	as	ADP
fbem-21442	10	48	the	the	DET
fbem-21442	10	49	"	"	PUNCT
fbem-21442	10	50	year	year	NOUN
fbem-21442	10	51	of	of	ADP
fbem-21442	10	52	consumption	consumption	NOUN
fbem-21442	10	53	promotion	promotion	NOUN
fbem-21442	10	54	"	"	PUNCT
fbem-21442	10	55	.	.	PUNCT
fbem-21442	11	1	how	how	SCONJ
fbem-21442	11	2	to	to	PART
fbem-21442	11	3	promote	promote	VERB
fbem-21442	11	4	consumption	consumption	NOUN
fbem-21442	11	5	is	be	AUX
fbem-21442	11	6	worth	worth	ADJ
fbem-21442	11	7	attention	attention	NOUN
fbem-21442	11	8	.	.	PUNCT
fbem-21442	12	1	as	as	ADP
fbem-21442	12	2	the	the	DET
fbem-21442	12	3	core	core	NOUN
fbem-21442	12	4	of	of	ADP
fbem-21442	12	5	modern	modern	ADJ
fbem-21442	12	6	economy	economy	NOUN
fbem-21442	12	7	,	,	PUNCT
fbem-21442	12	8	finance	finance	NOUN
fbem-21442	12	9	plays	play	VERB
fbem-21442	12	10	a	a	DET
fbem-21442	12	11	very	very	ADV
fbem-21442	12	12	important	important	ADJ
fbem-21442	12	13	role	role	NOUN
fbem-21442	12	14	in	in	ADP
fbem-21442	12	15	expanding	expand	VERB
fbem-21442	12	16	consumption	consumption	NOUN
fbem-21442	12	17	and	and	CCONJ
fbem-21442	12	18	promoting	promote	VERB
fbem-21442	12	19	growth	growth	NOUN
fbem-21442	12	20	.	.	PUNCT
fbem-21442	13	1	digital	digital	ADJ
fbem-21442	13	2	inclusive	inclusive	ADJ
fbem-21442	13	3	finance	finance	NOUN
fbem-21442	13	4	reflects	reflect	VERB
fbem-21442	13	5	the	the	DET
fbem-21442	13	6	deep	deep	ADJ
fbem-21442	13	7	combination	combination	NOUN
fbem-21442	13	8	of	of	ADP
fbem-21442	13	9	fintech	fintech	NOUN
fbem-21442	13	10	and	and	CCONJ
fbem-21442	13	11	inclusive	inclusive	ADJ
fbem-21442	13	12	finance	finance	NOUN
fbem-21442	13	13	,	,	PUNCT
fbem-21442	13	14	and	and	CCONJ
fbem-21442	13	15	also	also	ADV
fbem-21442	13	16	represents	represent	VERB
fbem-21442	13	17	the	the	DET
fbem-21442	13	18	classic	classic	ADJ
fbem-21442	13	19	application	application	NOUN
fbem-21442	13	20	of	of	ADP
fbem-21442	13	21	scientific	scientific	ADJ
fbem-21442	13	22	and	and	CCONJ
fbem-21442	13	23	technological	technological	ADJ
fbem-21442	13	24	innovation	innovation	NOUN
fbem-21442	13	25	in	in	ADP
fbem-21442	13	26	financial	financial	ADJ
fbem-21442	13	27	services	service	NOUN
fbem-21442	13	28	.	.	PUNCT
fbem-21442	14	1	in	in	ADP
fbem-21442	14	2	october	october	PROPN
fbem-21442	14	3	2023	2023	NUM
fbem-21442	14	4	,	,	PUNCT
fbem-21442	14	5	the	the	DET
fbem-21442	14	6	state	state	PROPN
fbem-21442	14	7	council	council	PROPN
fbem-21442	14	8	proposed	propose	VERB
fbem-21442	14	9	to	to	AUX
fbem-21442	14	10	"	"	PUNCT
fbem-21442	14	11	orderly	orderly	ADV
fbem-21442	14	12	promote	promote	VERB
fbem-21442	14	13	the	the	DET
fbem-21442	14	14	development	development	NOUN
fbem-21442	14	15	of	of	ADP
fbem-21442	14	16	digital	digital	ADJ
fbem-21442	14	17	inclusive	inclusive	ADJ
fbem-21442	14	18	finance	finance	NOUN
fbem-21442	14	19	"	"	PUNCT
fbem-21442	14	20	.	.	PUNCT
fbem-21442	15	1	in	in	ADP
fbem-21442	15	2	november	november	PROPN
fbem-21442	15	3	2023	2023	NUM
fbem-21442	15	4	,	,	PUNCT
fbem-21442	15	5	the	the	DET
fbem-21442	15	6	central	central	ADJ
fbem-21442	15	7	financial	financial	ADJ
fbem-21442	15	8	work	work	NOUN
fbem-21442	15	9	conference	conference	NOUN
fbem-21442	15	10	took	take	VERB
fbem-21442	15	11	"	"	PUNCT
fbem-21442	15	12	digital	digital	ADJ
fbem-21442	15	13	finance	finance	NOUN
fbem-21442	15	14	"	"	PUNCT
fbem-21442	15	15	and	and	CCONJ
fbem-21442	15	16	"	"	PUNCT
fbem-21442	15	17	inclusive	inclusive	ADJ
fbem-21442	15	18	finance	finance	NOUN
fbem-21442	15	19	"	"	PUNCT
fbem-21442	15	20	as	as	ADP
fbem-21442	15	21	the	the	DET
fbem-21442	15	22	"	"	PUNCT
fbem-21442	15	23	five	five	NUM
fbem-21442	15	24	major	major	ADJ
fbem-21442	15	25	articles	article	NOUN
fbem-21442	15	26	"	"	PUNCT
fbem-21442	15	27	for	for	ADP
fbem-21442	15	28	providing	provide	VERB
fbem-21442	15	29	high	high	ADJ
fbem-21442	15	30	-	-	PUNCT
fbem-21442	15	31	quality	quality	NOUN
fbem-21442	15	32	financial	financial	ADJ
fbem-21442	15	33	services	service	NOUN
fbem-21442	15	34	.	.	PUNCT
fbem-21442	16	1	the	the	DET
fbem-21442	16	2	development	development	NOUN
fbem-21442	16	3	of	of	ADP
fbem-21442	16	4	digital	digital	ADJ
fbem-21442	16	5	inclusive	inclusive	ADJ
fbem-21442	16	6	finance	finance	NOUN
fbem-21442	16	7	will	will	AUX
fbem-21442	16	8	be	be	AUX
fbem-21442	16	9	a	a	DET
fbem-21442	16	10	key	key	ADJ
fbem-21442	16	11	way	way	NOUN
fbem-21442	16	12	to	to	PART
fbem-21442	16	13	stimulate	stimulate	VERB
fbem-21442	16	14	the	the	DET
fbem-21442	16	15	consumption	consumption	NOUN
fbem-21442	16	16	potential	potential	NOUN
fbem-21442	16	17	of	of	ADP
fbem-21442	16	18	the	the	DET
fbem-21442	16	19	whole	whole	ADJ
fbem-21442	16	20	society	society	NOUN
fbem-21442	16	21	.	.	PUNCT
fbem-21442	17	1	the	the	DET
fbem-21442	17	2	yangtze	yangtze	PROPN
fbem-21442	17	3	river	river	PROPN
fbem-21442	17	4	economic	economic	ADJ
fbem-21442	17	5	belt	belt	NOUN
fbem-21442	17	6	covers	cover	VERB
fbem-21442	17	7	11	11	NUM
fbem-21442	17	8	provinces	province	NOUN
fbem-21442	17	9	and	and	CCONJ
fbem-21442	17	10	cities	city	NOUN
fbem-21442	17	11	along	along	ADP
fbem-21442	17	12	the	the	DET
fbem-21442	17	13	river	river	NOUN
fbem-21442	17	14	,	,	PUNCT
fbem-21442	17	15	accounting	account	VERB
fbem-21442	17	16	for	for	ADP
fbem-21442	17	17	half	half	NOUN
fbem-21442	17	18	of	of	ADP
fbem-21442	17	19	the	the	DET
fbem-21442	17	20	country	country	NOUN
fbem-21442	17	21	in	in	ADP
fbem-21442	17	22	terms	term	NOUN
fbem-21442	17	23	of	of	ADP
fbem-21442	17	24	population	population	NOUN
fbem-21442	17	25	size	size	NOUN
fbem-21442	17	26	and	and	CCONJ
fbem-21442	17	27	economic	economic	ADJ
fbem-21442	17	28	aggregate	aggregate	NOUN
fbem-21442	17	29	.	.	PUNCT
fbem-21442	18	1	by	by	ADP
fbem-21442	18	2	2021	2021	NUM
fbem-21442	18	3	,	,	PUNCT
fbem-21442	18	4	the	the	DET
fbem-21442	18	5	gdp	gdp	NOUN
fbem-21442	18	6	of	of	ADP
fbem-21442	18	7	the	the	DET
fbem-21442	18	8	yangtze	yangtze	PROPN
fbem-21442	18	9	river	river	PROPN
fbem-21442	18	10	economic	economic	ADJ
fbem-21442	18	11	belt	belt	NOUN
fbem-21442	18	12	accounted	account	VERB
fbem-21442	18	13	for	for	ADP
fbem-21442	18	14	46.3	46.3	NUM
fbem-21442	18	15	%	%	NOUN
fbem-21442	18	16	of	of	ADP
fbem-21442	18	17	the	the	DET
fbem-21442	18	18	country	country	NOUN
fbem-21442	18	19	,	,	PUNCT
fbem-21442	18	20	the	the	DET
fbem-21442	18	21	population	population	NOUN
fbem-21442	18	22	accounted	account	VERB
fbem-21442	18	23	for	for	ADP
fbem-21442	18	24	about	about	ADV
fbem-21442	18	25	43	43	NUM
fbem-21442	18	26	%	%	NOUN
fbem-21442	18	27	,	,	PUNCT
fbem-21442	18	28	and	and	CCONJ
fbem-21442	18	29	the	the	DET
fbem-21442	18	30	consumption	consumption	NOUN
fbem-21442	18	31	accounted	account	VERB
fbem-21442	18	32	for	for	ADP
fbem-21442	18	33	50.3	50.3	NUM
fbem-21442	18	34	%	%	NOUN
fbem-21442	18	35	.	.	PUNCT
fbem-21442	19	1	chinese	chinese	ADJ
fbem-21442	19	2	-	-	PUNCT
fbem-21442	19	3	style	style	NOUN
fbem-21442	19	4	modernization	modernization	NOUN
fbem-21442	19	5	is	be	AUX
fbem-21442	19	6	closely	closely	ADV
fbem-21442	19	7	linked	link	VERB
fbem-21442	19	8	with	with	ADP
fbem-21442	19	9	the	the	DET
fbem-21442	19	10	satisfaction	satisfaction	NOUN
fbem-21442	19	11	of	of	ADP
fbem-21442	19	12	people	people	NOUN
fbem-21442	19	13	's	's	PART
fbem-21442	19	14	consumption	consumption	NOUN
fbem-21442	19	15	needs	need	VERB
fbem-21442	19	16	for	for	ADP
fbem-21442	19	17	a	a	DET
fbem-21442	19	18	better	well	ADJ
fbem-21442	19	19	life	life	NOUN
fbem-21442	19	20	.	.	PUNCT
fbem-21442	20	1	therefore	therefore	ADV
fbem-21442	20	2	,	,	PUNCT
fbem-21442	20	3	maintaining	maintain	VERB
fbem-21442	20	4	the	the	DET
fbem-21442	20	5	growth	growth	NOUN
fbem-21442	20	6	trend	trend	NOUN
fbem-21442	20	7	of	of	ADP
fbem-21442	20	8	consumption	consumption	NOUN
fbem-21442	20	9	in	in	ADP
fbem-21442	20	10	the	the	DET
fbem-21442	20	11	yangtze	yangtze	PROPN
fbem-21442	20	12	river	river	PROPN
fbem-21442	20	13	economic	economic	ADJ
fbem-21442	20	14	belt	belt	NOUN
fbem-21442	20	15	will	will	AUX
fbem-21442	20	16	provide	provide	VERB
fbem-21442	20	17	more	more	ADJ
fbem-21442	20	18	impetus	impetus	NOUN
fbem-21442	20	19	for	for	ADP
fbem-21442	20	20	chinesestyle	chinesestyle	NOUN
fbem-21442	20	21	modernization	modernization	NOUN
fbem-21442	20	22	2	2	NUM
fbem-21442	20	23	.	.	X
fbem-21442	20	24	literature	literature	NOUN
fbem-21442	20	25	review	review	PROPN
fbem-21442	20	26	and	and	CCONJ
fbem-21442	20	27	theoretical	theoretical	ADJ
fbem-21442	20	28	hypothesis	hypothesis	NOUN
fbem-21442	20	29	many	many	ADJ
fbem-21442	20	30	domestic	domestic	ADJ
fbem-21442	20	31	scholars	scholar	NOUN
fbem-21442	20	32	have	have	AUX
fbem-21442	20	33	conducted	conduct	VERB
fbem-21442	20	34	extensive	extensive	ADJ
fbem-21442	20	35	research	research	NOUN
fbem-21442	20	36	on	on	ADP
fbem-21442	20	37	the	the	DET
fbem-21442	20	38	relationship	relationship	NOUN
fbem-21442	20	39	between	between	ADP
fbem-21442	20	40	digital	digital	ADJ
fbem-21442	20	41	inclusive	inclusive	ADJ
fbem-21442	20	42	finance	finance	NOUN
fbem-21442	20	43	and	and	CCONJ
fbem-21442	20	44	consumer	consumer	NOUN
fbem-21442	20	45	consumption	consumption	NOUN
fbem-21442	20	46	.	.	PUNCT
fbem-21442	21	1	most	most	ADJ
fbem-21442	21	2	of	of	ADP
fbem-21442	21	3	the	the	DET
fbem-21442	21	4	existing	exist	VERB
fbem-21442	21	5	literatures	literature	NOUN
fbem-21442	21	6	affirm	affirm	VERB
fbem-21442	21	7	the	the	DET
fbem-21442	21	8	positive	positive	ADJ
fbem-21442	21	9	effect	effect	NOUN
fbem-21442	21	10	of	of	ADP
fbem-21442	21	11	digital	digital	ADJ
fbem-21442	21	12	inclusive	inclusive	ADJ
fbem-21442	21	13	finance	finance	NOUN
fbem-21442	21	14	on	on	ADP
fbem-21442	21	15	the	the	DET
fbem-21442	21	16	improvement	improvement	NOUN
fbem-21442	21	17	of	of	ADP
fbem-21442	21	18	residents	resident	NOUN
fbem-21442	21	19	'	'	PART
fbem-21442	21	20	consumption	consumption	NOUN
fbem-21442	21	21	level	level	NOUN
fbem-21442	21	22	.	.	PUNCT
fbem-21442	22	1	yi	yi	NOUN
fbem-21442	22	2	xingjian	xingjian	PROPN
fbem-21442	23	1	and	and	CCONJ
fbem-21442	23	2	zhou	zhou	PROPN
fbem-21442	23	3	li	li	PROPN
fbem-21442	23	4	(	(	PUNCT
fbem-21442	23	5	2018	2018	NUM
fbem-21442	23	6	)	)	PUNCT
fbem-21442	24	1	[	[	X
fbem-21442	24	2	1	1	NUM
fbem-21442	24	3	]	]	PUNCT
fbem-21442	24	4	,	,	PUNCT
fbem-21442	24	5	xie	xie	PROPN
fbem-21442	24	6	jiazhi	jiazhi	PROPN
fbem-21442	24	7	and	and	CCONJ
fbem-21442	24	8	wu	wu	PROPN
fbem-21442	24	9	jingru	jingru	PROPN
fbem-21442	24	10	(	(	PUNCT
fbem-21442	24	11	2020	2020	NUM
fbem-21442	24	12	)	)	PUNCT
fbem-21442	25	1	[	[	X
fbem-21442	25	2	2	2	NUM
fbem-21442	25	3	]	]	PUNCT
fbem-21442	25	4	,	,	PUNCT
fbem-21442	25	5	based	base	VERB
fbem-21442	25	6	on	on	ADP
fbem-21442	25	7	the	the	DET
fbem-21442	25	8	micro	micro	NOUN
fbem-21442	25	9	-	-	NOUN
fbem-21442	25	10	data	data	ADJ
fbem-21442	25	11	analysis	analysis	NOUN
fbem-21442	25	12	of	of	ADP
fbem-21442	25	13	chinese	chinese	ADJ
fbem-21442	25	14	households	household	NOUN
fbem-21442	25	15	,	,	PUNCT
fbem-21442	25	16	believe	believe	VERB
fbem-21442	25	17	that	that	SCONJ
fbem-21442	25	18	the	the	DET
fbem-21442	25	19	development	development	NOUN
fbem-21442	25	20	of	of	ADP
fbem-21442	25	21	digital	digital	ADJ
fbem-21442	25	22	inclusive	inclusive	ADJ
fbem-21442	25	23	finance	finance	NOUN
fbem-21442	25	24	in	in	ADP
fbem-21442	25	25	china	china	PROPN
fbem-21442	25	26	has	have	AUX
fbem-21442	25	27	significantly	significantly	ADV
fbem-21442	25	28	promoted	promote	VERB
fbem-21442	25	29	residents	resident	NOUN
fbem-21442	25	30	'	'	PART
fbem-21442	25	31	consumption	consumption	NOUN
fbem-21442	25	32	mainly	mainly	ADV
fbem-21442	25	33	by	by	ADP
fbem-21442	25	34	easing	ease	VERB
fbem-21442	25	35	liquidity	liquidity	NOUN
fbem-21442	25	36	constraints	constraint	NOUN
fbem-21442	25	37	and	and	CCONJ
fbem-21442	25	38	facilitating	facilitate	VERB
fbem-21442	25	39	payment	payment	NOUN
fbem-21442	25	40	.	.	PUNCT
fbem-21442	26	1	zou	zou	PROPN
fbem-21442	26	2	xinyue	xinyue	PROPN
fbem-21442	26	3	and	and	CCONJ
fbem-21442	26	4	wang	wang	PROPN
fbem-21442	26	5	wang	wang	PROPN
fbem-21442	26	6	(	(	PUNCT
fbem-21442	26	7	2020	2020	NUM
fbem-21442	26	8	)	)	PUNCT
fbem-21442	27	1	[	[	X
fbem-21442	27	2	3	3	NUM
fbem-21442	27	3	]	]	PUNCT
fbem-21442	27	4	,	,	PUNCT
fbem-21442	27	5	lan	lan	PROPN
fbem-21442	27	6	leqin	leqin	PROPN
fbem-21442	27	7	and	and	CCONJ
fbem-21442	27	8	yang	yang	PROPN
fbem-21442	27	9	zhuoran	zhuoran	PROPN
fbem-21442	27	10	(	(	PUNCT
fbem-21442	27	11	2021	2021	NUM
fbem-21442	27	12	)	)	PUNCT
fbem-21442	28	1	[	[	X
fbem-21442	28	2	4	4	X
fbem-21442	28	3	]	]	PUNCT
fbem-21442	28	4	used	use	VERB
fbem-21442	28	5	provincial	provincial	ADJ
fbem-21442	28	6	panel	panel	NOUN
fbem-21442	28	7	data	datum	NOUN
fbem-21442	28	8	to	to	PART
fbem-21442	28	9	demonstrate	demonstrate	VERB
fbem-21442	28	10	that	that	SCONJ
fbem-21442	28	11	digital	digital	ADJ
fbem-21442	28	12	inclusive	inclusive	ADJ
fbem-21442	28	13	finance	finance	NOUN
fbem-21442	28	14	can	can	AUX
fbem-21442	28	15	significantly	significantly	ADV
fbem-21442	28	16	improve	improve	VERB
fbem-21442	28	17	residents	resident	NOUN
fbem-21442	28	18	'	'	PART
fbem-21442	28	19	consumption	consumption	NOUN
fbem-21442	28	20	level	level	NOUN
fbem-21442	28	21	;	;	PUNCT
fbem-21442	28	22	wang	wang	PROPN
fbem-21442	28	23	jinghe	jinghe	PROPN
fbem-21442	28	24	and	and	CCONJ
fbem-21442	28	25	shen	shen	PROPN
fbem-21442	28	26	yang	yang	PROPN
fbem-21442	28	27	(	(	PUNCT
fbem-21442	28	28	2023	2023	NUM
fbem-21442	28	29	)	)	PUNCT
fbem-21442	28	30	further	far	ADV
fbem-21442	28	31	confirmed	confirm	VERB
fbem-21442	28	32	that	that	SCONJ
fbem-21442	28	33	digital	digital	ADJ
fbem-21442	28	34	financial	financial	ADJ
fbem-21442	28	35	inclusion	inclusion	NOUN
fbem-21442	28	36	can	can	AUX
fbem-21442	28	37	significantly	significantly	ADV
fbem-21442	28	38	increase	increase	VERB
fbem-21442	28	39	total	total	ADJ
fbem-21442	28	40	household	household	NOUN
fbem-21442	28	41	consumption	consumption	NOUN
fbem-21442	28	42	expenditure	expenditure	NOUN
fbem-21442	28	43	by	by	ADP
fbem-21442	28	44	using	use	VERB
fbem-21442	28	45	the	the	DET
fbem-21442	28	46	micro	micro	NOUN
fbem-21442	28	47	-	-	NOUN
fbem-21442	28	48	data	datum	NOUN
fbem-21442	28	49	of	of	ADP
fbem-21442	28	50	china	china	PROPN
fbem-21442	28	51	's	's	PART
fbem-21442	28	52	comprehensive	comprehensive	ADJ
fbem-21442	28	53	survey	survey	NOUN
fbem-21442	28	54	of	of	ADP
fbem-21442	28	55	social	social	ADJ
fbem-21442	28	56	conditions	condition	NOUN
fbem-21442	28	57	(	(	PUNCT
fbem-21442	28	58	css	css	PROPN
fbem-21442	28	59	)	)	PUNCT
fbem-21442	29	1	[	[	X
fbem-21442	29	2	5	5	NUM
fbem-21442	29	3	]	]	PUNCT
fbem-21442	29	4	.	.	PUNCT
fbem-21442	30	1	however	however	ADV
fbem-21442	30	2	,	,	PUNCT
fbem-21442	30	3	through	through	ADP
fbem-21442	30	4	further	further	ADJ
fbem-21442	30	5	analysis	analysis	NOUN
fbem-21442	30	6	,	,	PUNCT
fbem-21442	30	7	scholars	scholar	NOUN
fbem-21442	30	8	also	also	ADV
fbem-21442	30	9	found	find	VERB
fbem-21442	30	10	that	that	SCONJ
fbem-21442	30	11	the	the	DET
fbem-21442	30	12	effect	effect	NOUN
fbem-21442	30	13	of	of	ADP
fbem-21442	30	14	digital	digital	ADJ
fbem-21442	30	15	inclusive	inclusive	ADJ
fbem-21442	30	16	finance	finance	NOUN
fbem-21442	30	17	on	on	ADP
fbem-21442	30	18	residents	resident	NOUN
fbem-21442	30	19	'	'	PART
fbem-21442	30	20	254	254	NUM
fbem-21442	30	21	consumption	consumption	NOUN
fbem-21442	30	22	is	be	AUX
fbem-21442	30	23	heterogeneous	heterogeneous	ADJ
fbem-21442	30	24	,	,	PUNCT
fbem-21442	30	25	and	and	CCONJ
fbem-21442	30	26	the	the	DET
fbem-21442	30	27	impact	impact	NOUN
fbem-21442	30	28	of	of	ADP
fbem-21442	30	29	digital	digital	ADJ
fbem-21442	30	30	inclusive	inclusive	ADJ
fbem-21442	30	31	finance	finance	NOUN
fbem-21442	30	32	on	on	ADP
fbem-21442	30	33	residents	resident	NOUN
fbem-21442	30	34	'	'	PART
fbem-21442	30	35	consumption	consumption	NOUN
fbem-21442	30	36	in	in	ADP
fbem-21442	30	37	eastern	eastern	ADJ
fbem-21442	30	38	,	,	PUNCT
fbem-21442	30	39	central	central	ADJ
fbem-21442	30	40	and	and	CCONJ
fbem-21442	30	41	western	western	ADJ
fbem-21442	30	42	regions	region	NOUN
fbem-21442	30	43	and	and	CCONJ
fbem-21442	30	44	on	on	ADP
fbem-21442	30	45	urban	urban	ADJ
fbem-21442	30	46	and	and	CCONJ
fbem-21442	30	47	rural	rural	ADJ
fbem-21442	30	48	residents	resident	NOUN
fbem-21442	30	49	'	'	PART
fbem-21442	30	50	consumption	consumption	NOUN
fbem-21442	30	51	is	be	AUX
fbem-21442	30	52	different	different	ADJ
fbem-21442	30	53	.	.	PUNCT
fbem-21442	31	1	qi	qi	PROPN
fbem-21442	31	2	hongqian	hongqian	PROPN
fbem-21442	31	3	and	and	CCONJ
fbem-21442	31	4	liu	liu	PROPN
fbem-21442	31	5	qianhan	qianhan	PROPN
fbem-21442	31	6	(	(	PUNCT
fbem-21442	31	7	2022	2022	NUM
fbem-21442	31	8	)	)	PUNCT
fbem-21442	31	9	analyzed	analyze	VERB
fbem-21442	31	10	the	the	DET
fbem-21442	31	11	data	datum	NOUN
fbem-21442	31	12	of	of	ADP
fbem-21442	31	13	china	china	PROPN
fbem-21442	31	14	household	household	PROPN
fbem-21442	31	15	finance	finance	NOUN
fbem-21442	31	16	survey	survey	NOUN
fbem-21442	31	17	(	(	PUNCT
fbem-21442	31	18	chfs	chfs	PROPN
fbem-21442	31	19	)	)	PUNCT
fbem-21442	31	20	and	and	CCONJ
fbem-21442	31	21	concluded	conclude	VERB
fbem-21442	31	22	that	that	SCONJ
fbem-21442	31	23	the	the	DET
fbem-21442	31	24	development	development	NOUN
fbem-21442	31	25	of	of	ADP
fbem-21442	31	26	digital	digital	ADJ
fbem-21442	31	27	inclusive	inclusive	ADJ
fbem-21442	31	28	finance	finance	NOUN
fbem-21442	31	29	has	have	AUX
fbem-21442	31	30	made	make	VERB
fbem-21442	31	31	the	the	DET
fbem-21442	31	32	consumption	consumption	NOUN
fbem-21442	31	33	level	level	NOUN
fbem-21442	31	34	of	of	ADP
fbem-21442	31	35	residents	resident	NOUN
fbem-21442	31	36	in	in	ADP
fbem-21442	31	37	central	central	ADJ
fbem-21442	31	38	china	china	PROPN
fbem-21442	31	39	converge	converge	VERB
fbem-21442	31	40	with	with	ADP
fbem-21442	31	41	that	that	PRON
fbem-21442	31	42	in	in	ADP
fbem-21442	31	43	eastern	eastern	PROPN
fbem-21442	31	44	china	china	PROPN
fbem-21442	31	45	,	,	PUNCT
fbem-21442	31	46	while	while	SCONJ
fbem-21442	31	47	the	the	DET
fbem-21442	31	48	consumption	consumption	NOUN
fbem-21442	31	49	tendency	tendency	NOUN
fbem-21442	31	50	of	of	ADP
fbem-21442	31	51	residents	resident	NOUN
fbem-21442	31	52	in	in	ADP
fbem-21442	31	53	western	western	ADJ
fbem-21442	31	54	china	china	PROPN
fbem-21442	31	55	has	have	AUX
fbem-21442	31	56	been	be	AUX
fbem-21442	31	57	significantly	significantly	ADV
fbem-21442	31	58	improved	improve	VERB
fbem-21442	31	59	[	[	X
fbem-21442	31	60	6	6	NUM
fbem-21442	31	61	]	]	PUNCT
fbem-21442	31	62	.	.	PUNCT
fbem-21442	32	1	fang	fang	PROPN
fbem-21442	32	2	xianming	xianme	VERB
fbem-21442	32	3	et	et	PROPN
fbem-21442	32	4	al	al	PROPN
fbem-21442	32	5	.	.	PROPN
fbem-21442	33	1	(	(	PUNCT
fbem-21442	33	2	2023	2023	NUM
fbem-21442	33	3	)	)	PUNCT
fbem-21442	33	4	analyzed	analyze	VERB
fbem-21442	33	5	provincial	provincial	ADJ
fbem-21442	33	6	panel	panel	NOUN
fbem-21442	33	7	data	datum	NOUN
fbem-21442	33	8	and	and	CCONJ
fbem-21442	33	9	concluded	conclude	VERB
fbem-21442	33	10	that	that	SCONJ
fbem-21442	33	11	the	the	DET
fbem-21442	33	12	positive	positive	ADJ
fbem-21442	33	13	effect	effect	NOUN
fbem-21442	33	14	of	of	ADP
fbem-21442	33	15	digital	digital	ADJ
fbem-21442	33	16	inclusive	inclusive	ADJ
fbem-21442	33	17	finance	finance	NOUN
fbem-21442	33	18	on	on	ADP
fbem-21442	33	19	residents	resident	NOUN
fbem-21442	33	20	'	'	PART
fbem-21442	33	21	consumption	consumption	NOUN
fbem-21442	33	22	is	be	AUX
fbem-21442	33	23	strongest	strong	ADJ
fbem-21442	33	24	in	in	ADP
fbem-21442	33	25	the	the	DET
fbem-21442	33	26	western	western	ADJ
fbem-21442	33	27	region	region	NOUN
fbem-21442	34	1	[	[	X
fbem-21442	34	2	7	7	NUM
fbem-21442	34	3	]	]	PUNCT
fbem-21442	34	4	.	.	PUNCT
fbem-21442	35	1	xue	xue	PROPN
fbem-21442	35	2	qiutong	qiutong	PROPN
fbem-21442	35	3	and	and	CCONJ
fbem-21442	35	4	feng	feng	PROPN
fbem-21442	35	5	sixian	sixian	PROPN
fbem-21442	35	6	(	(	PUNCT
fbem-21442	35	7	2022	2022	NUM
fbem-21442	35	8	)	)	PUNCT
fbem-21442	35	9	believe	believe	VERB
fbem-21442	35	10	that	that	SCONJ
fbem-21442	35	11	digital	digital	ADJ
fbem-21442	35	12	inclusive	inclusive	ADJ
fbem-21442	35	13	finance	finance	NOUN
fbem-21442	35	14	has	have	VERB
fbem-21442	35	15	the	the	DET
fbem-21442	35	16	characteristics	characteristic	NOUN
fbem-21442	35	17	of	of	ADP
fbem-21442	35	18	convenience	convenience	NOUN
fbem-21442	35	19	,	,	PUNCT
fbem-21442	35	20	speed	speed	NOUN
fbem-21442	35	21	and	and	CCONJ
fbem-21442	35	22	inclusiveness	inclusiveness	NOUN
fbem-21442	35	23	,	,	PUNCT
fbem-21442	35	24	and	and	CCONJ
fbem-21442	35	25	will	will	AUX
fbem-21442	35	26	bring	bring	VERB
fbem-21442	35	27	greater	great	ADJ
fbem-21442	35	28	changes	change	NOUN
fbem-21442	35	29	to	to	ADP
fbem-21442	35	30	rural	rural	ADJ
fbem-21442	35	31	residents	resident	NOUN
fbem-21442	35	32	'	'	PART
fbem-21442	35	33	living	living	NOUN
fbem-21442	35	34	and	and	CCONJ
fbem-21442	35	35	consumption	consumption	NOUN
fbem-21442	35	36	patterns	pattern	NOUN
fbem-21442	35	37	[	[	X
fbem-21442	35	38	8	8	NUM
fbem-21442	35	39	]	]	PUNCT
fbem-21442	35	40	.	.	PUNCT
fbem-21442	36	1	zhou	zhou	PROPN
fbem-21442	36	2	caiyun	caiyun	PROPN
fbem-21442	36	3	and	and	CCONJ
fbem-21442	36	4	yang	yang	PROPN
fbem-21442	36	5	yijie	yijie	PROPN
fbem-21442	36	6	(	(	PUNCT
fbem-21442	36	7	2023	2023	NUM
fbem-21442	36	8	)	)	PUNCT
fbem-21442	37	1	[	[	X
fbem-21442	37	2	9	9	NUM
fbem-21442	37	3	]	]	PUNCT
fbem-21442	37	4	,	,	PUNCT
fbem-21442	37	5	fan	fan	PROPN
fbem-21442	37	6	fangzhi	fangzhi	PROPN
fbem-21442	37	7	and	and	CCONJ
fbem-21442	37	8	peng	peng	PROPN
fbem-21442	37	9	tiantian	tiantian	PROPN
fbem-21442	37	10	(	(	PUNCT
fbem-21442	37	11	2023	2023	NUM
fbem-21442	37	12	)	)	PUNCT
fbem-21442	38	1	[	[	X
fbem-21442	38	2	10	10	NUM
fbem-21442	38	3	]	]	PUNCT
fbem-21442	38	4	believe	believe	VERB
fbem-21442	38	5	that	that	SCONJ
fbem-21442	38	6	the	the	DET
fbem-21442	38	7	impact	impact	NOUN
fbem-21442	38	8	of	of	ADP
fbem-21442	38	9	digital	digital	ADJ
fbem-21442	38	10	inclusive	inclusive	ADJ
fbem-21442	38	11	finance	finance	NOUN
fbem-21442	38	12	on	on	ADP
fbem-21442	38	13	rural	rural	ADJ
fbem-21442	38	14	residents	resident	NOUN
fbem-21442	38	15	'	'	PART
fbem-21442	38	16	consumption	consumption	NOUN
fbem-21442	38	17	shows	show	VERB
fbem-21442	38	18	obvious	obvious	ADJ
fbem-21442	38	19	regional	regional	ADJ
fbem-21442	38	20	differences	difference	NOUN
fbem-21442	38	21	,	,	PUNCT
fbem-21442	38	22	and	and	CCONJ
fbem-21442	38	23	the	the	DET
fbem-21442	38	24	promotion	promotion	NOUN
fbem-21442	38	25	effect	effect	NOUN
fbem-21442	38	26	on	on	ADP
fbem-21442	38	27	the	the	DET
fbem-21442	38	28	western	western	ADJ
fbem-21442	38	29	region	region	NOUN
fbem-21442	38	30	is	be	AUX
fbem-21442	38	31	the	the	DET
fbem-21442	38	32	most	most	ADV
fbem-21442	38	33	significant	significant	ADJ
fbem-21442	38	34	.	.	PUNCT
fbem-21442	39	1	accordingly	accordingly	ADV
fbem-21442	39	2	,	,	PUNCT
fbem-21442	39	3	research	research	NOUN
fbem-21442	39	4	hypothesis	hypothesis	NOUN
fbem-21442	39	5	1	1	NUM
fbem-21442	39	6	is	be	AUX
fbem-21442	39	7	proposed	propose	VERB
fbem-21442	39	8	as	as	SCONJ
fbem-21442	39	9	follows	follow	VERB
fbem-21442	39	10	:	:	PUNCT
fbem-21442	39	11	hypothesis	hypothesis	NOUN
fbem-21442	39	12	1	1	NUM
fbem-21442	39	13	:	:	PUNCT
fbem-21442	39	14	digital	digital	ADJ
fbem-21442	39	15	financial	financial	ADJ
fbem-21442	39	16	inclusion	inclusion	NOUN
fbem-21442	39	17	can	can	AUX
fbem-21442	39	18	promote	promote	VERB
fbem-21442	39	19	household	household	NOUN
fbem-21442	39	20	consumption	consumption	NOUN
fbem-21442	39	21	,	,	PUNCT
fbem-21442	39	22	but	but	CCONJ
fbem-21442	39	23	there	there	PRON
fbem-21442	39	24	are	be	VERB
fbem-21442	39	25	regional	regional	ADJ
fbem-21442	39	26	and	and	CCONJ
fbem-21442	39	27	urban	urban	ADJ
fbem-21442	39	28	and	and	CCONJ
fbem-21442	39	29	rural	rural	ADJ
fbem-21442	39	30	differences	difference	NOUN
fbem-21442	39	31	in	in	ADP
fbem-21442	39	32	this	this	DET
fbem-21442	39	33	promotion	promotion	NOUN
fbem-21442	39	34	.	.	PUNCT
fbem-21442	40	1	keynes	keynes	PROPN
fbem-21442	40	2	's	's	PART
fbem-21442	40	3	absolute	absolute	ADJ
fbem-21442	40	4	income	income	NOUN
fbem-21442	40	5	hypothesis	hypothesis	NOUN
fbem-21442	40	6	holds	hold	VERB
fbem-21442	40	7	that	that	SCONJ
fbem-21442	40	8	there	there	PRON
fbem-21442	40	9	is	be	VERB
fbem-21442	40	10	a	a	DET
fbem-21442	40	11	stable	stable	ADJ
fbem-21442	40	12	functional	functional	ADJ
fbem-21442	40	13	relationship	relationship	NOUN
fbem-21442	40	14	between	between	ADP
fbem-21442	40	15	consumption	consumption	NOUN
fbem-21442	40	16	and	and	CCONJ
fbem-21442	40	17	income	income	NOUN
fbem-21442	40	18	,	,	PUNCT
fbem-21442	40	19	and	and	CCONJ
fbem-21442	40	20	with	with	ADP
fbem-21442	40	21	the	the	DET
fbem-21442	40	22	increase	increase	NOUN
fbem-21442	40	23	of	of	ADP
fbem-21442	40	24	income	income	NOUN
fbem-21442	40	25	,	,	PUNCT
fbem-21442	40	26	consumption	consumption	NOUN
fbem-21442	40	27	will	will	AUX
fbem-21442	40	28	also	also	ADV
fbem-21442	40	29	increase	increase	VERB
fbem-21442	40	30	.	.	PUNCT
fbem-21442	41	1	yang	yang	PROPN
fbem-21442	41	2	et	et	PROPN
fbem-21442	41	3	al	al	PROPN
fbem-21442	41	4	.	.	PROPN
fbem-21442	41	5	(	(	PUNCT
fbem-21442	41	6	2020	2020	NUM
fbem-21442	41	7	)	)	PUNCT
fbem-21442	41	8	believed	believe	VERB
fbem-21442	41	9	that	that	SCONJ
fbem-21442	41	10	digital	digital	ADJ
fbem-21442	41	11	inclusive	inclusive	ADJ
fbem-21442	41	12	finance	finance	NOUN
fbem-21442	41	13	directly	directly	ADV
fbem-21442	41	14	affects	affect	VERB
fbem-21442	41	15	residents	resident	NOUN
fbem-21442	41	16	'	'	PART
fbem-21442	41	17	income	income	NOUN
fbem-21442	41	18	from	from	ADP
fbem-21442	41	19	three	three	NUM
fbem-21442	41	20	aspects	aspect	NOUN
fbem-21442	41	21	,	,	PUNCT
fbem-21442	41	22	including	include	VERB
fbem-21442	41	23	coverage	coverage	NOUN
fbem-21442	41	24	breadth	breadth	NOUN
fbem-21442	41	25	,	,	PUNCT
fbem-21442	41	26	depth	depth	NOUN
fbem-21442	41	27	of	of	ADP
fbem-21442	41	28	use	use	NOUN
fbem-21442	41	29	and	and	CCONJ
fbem-21442	41	30	degree	degree	NOUN
fbem-21442	41	31	of	of	ADP
fbem-21442	41	32	digitalization	digitalization	NOUN
fbem-21442	41	33	,	,	PUNCT
fbem-21442	41	34	and	and	CCONJ
fbem-21442	41	35	pointed	point	VERB
fbem-21442	41	36	out	out	ADP
fbem-21442	41	37	that	that	SCONJ
fbem-21442	41	38	digital	digital	ADJ
fbem-21442	41	39	inclusive	inclusive	ADJ
fbem-21442	41	40	finance	finance	NOUN
fbem-21442	41	41	can	can	AUX
fbem-21442	41	42	also	also	ADV
fbem-21442	41	43	indirectly	indirectly	ADV
fbem-21442	41	44	improve	improve	VERB
fbem-21442	41	45	residents	resident	NOUN
fbem-21442	41	46	'	'	PART
fbem-21442	41	47	income	income	NOUN
fbem-21442	41	48	level	level	NOUN
fbem-21442	41	49	by	by	ADP
fbem-21442	41	50	stimulating	stimulate	VERB
fbem-21442	41	51	residents	resident	NOUN
fbem-21442	41	52	to	to	PART
fbem-21442	41	53	start	start	VERB
fbem-21442	41	54	businesses	business	NOUN
fbem-21442	41	55	[	[	X
fbem-21442	41	56	11	11	NUM
fbem-21442	41	57	]	]	PUNCT
fbem-21442	41	58	.	.	PUNCT
fbem-21442	42	1	li	li	PROPN
fbem-21442	42	2	wenxiu	wenxiu	PROPN
fbem-21442	42	3	and	and	CCONJ
fbem-21442	42	4	liu	liu	PROPN
fbem-21442	42	5	junjie	junjie	PROPN
fbem-21442	42	6	(	(	PUNCT
fbem-21442	42	7	2023	2023	NUM
fbem-21442	42	8	)	)	PUNCT
fbem-21442	42	9	further	far	ADV
fbem-21442	42	10	demonstrated	demonstrate	VERB
fbem-21442	42	11	that	that	SCONJ
fbem-21442	42	12	digital	digital	ADJ
fbem-21442	42	13	inclusive	inclusive	ADJ
fbem-21442	42	14	finance	finance	NOUN
fbem-21442	42	15	uses	use	VERB
fbem-21442	42	16	the	the	DET
fbem-21442	42	17	wide	wide	ADJ
fbem-21442	42	18	coverage	coverage	NOUN
fbem-21442	42	19	of	of	ADP
fbem-21442	42	20	financial	financial	ADJ
fbem-21442	42	21	services	service	NOUN
fbem-21442	42	22	to	to	PART
fbem-21442	42	23	stimulate	stimulate	VERB
fbem-21442	42	24	the	the	DET
fbem-21442	42	25	entrepreneurial	entrepreneurial	ADJ
fbem-21442	42	26	enthusiasm	enthusiasm	NOUN
fbem-21442	42	27	of	of	ADP
fbem-21442	42	28	farmers	farmer	NOUN
fbem-21442	42	29	and	and	CCONJ
fbem-21442	42	30	lowincome	lowincome	NOUN
fbem-21442	42	31	groups	group	NOUN
fbem-21442	42	32	to	to	PART
fbem-21442	42	33	increase	increase	VERB
fbem-21442	42	34	residents	resident	NOUN
fbem-21442	42	35	'	'	PART
fbem-21442	42	36	operating	operate	VERB
fbem-21442	42	37	income	income	NOUN
fbem-21442	42	38	,	,	PUNCT
fbem-21442	42	39	and	and	CCONJ
fbem-21442	42	40	increases	increase	VERB
fbem-21442	42	41	residents	resident	NOUN
fbem-21442	42	42	'	'	PART
fbem-21442	42	43	expected	expect	VERB
fbem-21442	42	44	property	property	NOUN
fbem-21442	42	45	income	income	NOUN
fbem-21442	42	46	by	by	ADP
fbem-21442	42	47	expanding	expand	VERB
fbem-21442	42	48	the	the	DET
fbem-21442	42	49	depth	depth	NOUN
fbem-21442	42	50	of	of	ADP
fbem-21442	42	51	financial	financial	ADJ
fbem-21442	42	52	use	use	NOUN
fbem-21442	42	53	.	.	PUNCT
fbem-21442	43	1	digital	digital	ADJ
fbem-21442	43	2	technology	technology	NOUN
fbem-21442	43	3	is	be	AUX
fbem-21442	43	4	used	use	VERB
fbem-21442	43	5	to	to	PART
fbem-21442	43	6	alleviate	alleviate	VERB
fbem-21442	43	7	financing	financing	NOUN
fbem-21442	43	8	constraints	constraint	NOUN
fbem-21442	43	9	of	of	ADP
fbem-21442	43	10	small	small	ADJ
fbem-21442	43	11	and	and	CCONJ
fbem-21442	43	12	micro	micro	ADJ
fbem-21442	43	13	enterprises	enterprise	NOUN
fbem-21442	43	14	,	,	PUNCT
fbem-21442	43	15	provide	provide	VERB
fbem-21442	43	16	more	more	ADJ
fbem-21442	43	17	jobs	job	NOUN
fbem-21442	43	18	,	,	PUNCT
fbem-21442	43	19	increase	increase	VERB
fbem-21442	43	20	residents	resident	NOUN
fbem-21442	43	21	'	'	PART
fbem-21442	43	22	wage	wage	NOUN
fbem-21442	43	23	income	income	NOUN
fbem-21442	43	24	and	and	CCONJ
fbem-21442	43	25	other	other	ADJ
fbem-21442	43	26	ways	way	NOUN
fbem-21442	43	27	to	to	PART
fbem-21442	43	28	indirectly	indirectly	ADV
fbem-21442	43	29	stimulate	stimulate	VERB
fbem-21442	43	30	household	household	NOUN
fbem-21442	43	31	consumption	consumption	NOUN
fbem-21442	44	1	[	[	X
fbem-21442	44	2	12	12	NUM
fbem-21442	44	3	]	]	PUNCT
fbem-21442	44	4	.	.	PUNCT
fbem-21442	45	1	chen	chen	PROPN
fbem-21442	45	2	and	and	CCONJ
fbem-21442	45	3	chang	chang	PROPN
fbem-21442	45	4	(	(	PUNCT
fbem-21442	45	5	2024	2024	NUM
fbem-21442	45	6	)	)	PUNCT
fbem-21442	45	7	believed	believe	VERB
fbem-21442	45	8	that	that	SCONJ
fbem-21442	45	9	digital	digital	ADJ
fbem-21442	45	10	inclusive	inclusive	ADJ
fbem-21442	45	11	finance	finance	NOUN
fbem-21442	45	12	made	make	VERB
fbem-21442	45	13	full	full	ADJ
fbem-21442	45	14	use	use	NOUN
fbem-21442	45	15	of	of	ADP
fbem-21442	45	16	its	its	PRON
fbem-21442	45	17	advantages	advantage	NOUN
fbem-21442	45	18	in	in	ADP
fbem-21442	45	19	economies	economy	NOUN
fbem-21442	45	20	of	of	ADP
fbem-21442	45	21	scale	scale	NOUN
fbem-21442	45	22	and	and	CCONJ
fbem-21442	45	23	scope	scope	NOUN
fbem-21442	45	24	,	,	PUNCT
fbem-21442	45	25	expanded	expand	VERB
fbem-21442	45	26	residents	resident	NOUN
fbem-21442	45	27	'	'	PART
fbem-21442	45	28	investment	investment	NOUN
fbem-21442	45	29	channels	channel	NOUN
fbem-21442	45	30	for	for	ADP
fbem-21442	45	31	small	small	ADJ
fbem-21442	45	32	funds	fund	NOUN
fbem-21442	45	33	,	,	PUNCT
fbem-21442	45	34	improved	improve	VERB
fbem-21442	45	35	residents	resident	NOUN
fbem-21442	45	36	'	'	PART
fbem-21442	45	37	return	return	NOUN
fbem-21442	45	38	on	on	ADP
fbem-21442	45	39	investment	investment	NOUN
fbem-21442	45	40	,	,	PUNCT
fbem-21442	45	41	and	and	CCONJ
fbem-21442	45	42	promoted	promote	VERB
fbem-21442	45	43	residents	resident	NOUN
fbem-21442	45	44	'	'	PART
fbem-21442	45	45	wealth	wealth	NOUN
fbem-21442	45	46	growth	growth	NOUN
fbem-21442	45	47	and	and	CCONJ
fbem-21442	45	48	consumption	consumption	NOUN
fbem-21442	45	49	growth	growth	NOUN
fbem-21442	45	50	[	[	X
fbem-21442	45	51	13	13	NUM
fbem-21442	45	52	]	]	PUNCT
fbem-21442	45	53	.	.	PUNCT
fbem-21442	46	1	based	base	VERB
fbem-21442	46	2	on	on	ADP
fbem-21442	46	3	this	this	PRON
fbem-21442	46	4	,	,	PUNCT
fbem-21442	46	5	hypothesis	hypothesis	NOUN
fbem-21442	46	6	2	2	NUM
fbem-21442	46	7	is	be	AUX
fbem-21442	46	8	proposed	propose	VERB
fbem-21442	46	9	as	as	SCONJ
fbem-21442	46	10	follows	follow	VERB
fbem-21442	46	11	:	:	PUNCT
fbem-21442	46	12	hypothesis	hypothesis	NOUN
fbem-21442	46	13	2	2	NUM
fbem-21442	46	14	:	:	PUNCT
fbem-21442	46	15	digital	digital	ADJ
fbem-21442	46	16	inclusive	inclusive	ADJ
fbem-21442	46	17	finance	finance	NOUN
fbem-21442	46	18	increases	increase	VERB
fbem-21442	46	19	household	household	NOUN
fbem-21442	46	20	consumption	consumption	NOUN
fbem-21442	46	21	by	by	ADP
fbem-21442	46	22	increasing	increase	VERB
fbem-21442	46	23	household	household	NOUN
fbem-21442	46	24	income	income	NOUN
fbem-21442	46	25	.	.	PUNCT
fbem-21442	47	1	digital	digital	ADJ
fbem-21442	47	2	insurance	insurance	NOUN
fbem-21442	47	3	also	also	ADV
fbem-21442	47	4	has	have	VERB
fbem-21442	47	5	a	a	DET
fbem-21442	47	6	non	non	ADJ
fbem-21442	47	7	-	-	ADJ
fbem-21442	47	8	negligible	negligible	ADJ
fbem-21442	47	9	value	value	NOUN
fbem-21442	47	10	in	in	ADP
fbem-21442	47	11	promoting	promote	VERB
fbem-21442	47	12	the	the	DET
fbem-21442	47	13	welfare	welfare	NOUN
fbem-21442	47	14	of	of	ADP
fbem-21442	47	15	individuals	individual	NOUN
fbem-21442	47	16	and	and	CCONJ
fbem-21442	47	17	enterprises	enterprise	NOUN
fbem-21442	47	18	as	as	ADV
fbem-21442	47	19	well	well	ADV
fbem-21442	47	20	as	as	ADP
fbem-21442	47	21	social	social	ADJ
fbem-21442	47	22	stability	stability	NOUN
fbem-21442	47	23	and	and	CCONJ
fbem-21442	47	24	fairness	fairness	NOUN
fbem-21442	47	25	.	.	PUNCT
fbem-21442	48	1	with	with	ADP
fbem-21442	48	2	the	the	DET
fbem-21442	48	3	continuous	continuous	ADJ
fbem-21442	48	4	progress	progress	NOUN
fbem-21442	48	5	of	of	ADP
fbem-21442	48	6	science	science	NOUN
fbem-21442	48	7	and	and	CCONJ
fbem-21442	48	8	technology	technology	NOUN
fbem-21442	48	9	,	,	PUNCT
fbem-21442	48	10	residents	resident	NOUN
fbem-21442	48	11	expect	expect	VERB
fbem-21442	48	12	to	to	PART
fbem-21442	48	13	enjoy	enjoy	VERB
fbem-21442	48	14	more	more	ADV
fbem-21442	48	15	convenient	convenient	ADJ
fbem-21442	48	16	,	,	PUNCT
fbem-21442	48	17	personalized	personalized	ADJ
fbem-21442	48	18	and	and	CCONJ
fbem-21442	48	19	intelligent	intelligent	ADJ
fbem-21442	48	20	insurance	insurance	NOUN
fbem-21442	48	21	services	service	NOUN
fbem-21442	48	22	,	,	PUNCT
fbem-21442	48	23	which	which	PRON
fbem-21442	48	24	may	may	AUX
fbem-21442	48	25	prompt	prompt	VERB
fbem-21442	48	26	residents	resident	NOUN
fbem-21442	48	27	to	to	PART
fbem-21442	48	28	increase	increase	VERB
fbem-21442	48	29	consumption	consumption	NOUN
fbem-21442	48	30	expenditure	expenditure	NOUN
fbem-21442	48	31	.	.	PUNCT
fbem-21442	49	1	therefore	therefore	ADV
fbem-21442	49	2	,	,	PUNCT
fbem-21442	49	3	what	what	DET
fbem-21442	49	4	role	role	NOUN
fbem-21442	49	5	digital	digital	ADJ
fbem-21442	49	6	insurance	insurance	NOUN
fbem-21442	49	7	plays	play	VERB
fbem-21442	49	8	in	in	ADP
fbem-21442	49	9	the	the	DET
fbem-21442	49	10	impact	impact	NOUN
fbem-21442	49	11	of	of	ADP
fbem-21442	49	12	digital	digital	ADJ
fbem-21442	49	13	inclusive	inclusive	ADJ
fbem-21442	49	14	finance	finance	NOUN
fbem-21442	49	15	on	on	ADP
fbem-21442	49	16	consumption	consumption	NOUN
fbem-21442	49	17	has	have	AUX
fbem-21442	49	18	attracted	attract	VERB
fbem-21442	49	19	the	the	DET
fbem-21442	49	20	attention	attention	NOUN
fbem-21442	49	21	of	of	ADP
fbem-21442	49	22	scholars	scholar	NOUN
fbem-21442	49	23	.	.	PUNCT
fbem-21442	50	1	tang	tang	PROPN
fbem-21442	50	2	(	(	PUNCT
fbem-21442	50	3	2020	2020	NUM
fbem-21442	50	4	)	)	PUNCT
fbem-21442	50	5	further	far	ADV
fbem-21442	50	6	discussed	discuss	VERB
fbem-21442	50	7	how	how	SCONJ
fbem-21442	50	8	the	the	DET
fbem-21442	50	9	development	development	NOUN
fbem-21442	50	10	of	of	ADP
fbem-21442	50	11	digital	digital	ADJ
fbem-21442	50	12	inclusive	inclusive	ADJ
fbem-21442	50	13	finance	finance	NOUN
fbem-21442	50	14	can	can	AUX
fbem-21442	50	15	help	help	VERB
fbem-21442	50	16	residents	resident	NOUN
fbem-21442	50	17	more	more	ADV
fbem-21442	50	18	conveniently	conveniently	ADV
fbem-21442	50	19	obtain	obtain	VERB
fbem-21442	50	20	insurance	insurance	NOUN
fbem-21442	50	21	services	service	NOUN
fbem-21442	50	22	related	relate	VERB
fbem-21442	50	23	to	to	ADP
fbem-21442	50	24	their	their	PRON
fbem-21442	50	25	own	own	ADJ
fbem-21442	50	26	needs	need	NOUN
fbem-21442	50	27	.	.	PUNCT
fbem-21442	51	1	this	this	PRON
fbem-21442	51	2	not	not	PART
fbem-21442	51	3	only	only	ADV
fbem-21442	51	4	expands	expand	VERB
fbem-21442	51	5	the	the	DET
fbem-21442	51	6	business	business	NOUN
fbem-21442	51	7	field	field	NOUN
fbem-21442	51	8	of	of	ADP
fbem-21442	51	9	digital	digital	ADJ
fbem-21442	51	10	insurance	insurance	NOUN
fbem-21442	51	11	,	,	PUNCT
fbem-21442	51	12	but	but	CCONJ
fbem-21442	51	13	also	also	ADV
fbem-21442	51	14	increases	increase	VERB
fbem-21442	51	15	the	the	DET
fbem-21442	51	16	consumption	consumption	NOUN
fbem-21442	51	17	expenditure	expenditure	NOUN
fbem-21442	51	18	of	of	ADP
fbem-21442	51	19	residents	resident	NOUN
fbem-21442	51	20	by	by	ADP
fbem-21442	51	21	reducing	reduce	VERB
fbem-21442	51	22	the	the	DET
fbem-21442	51	23	uncertainty	uncertainty	NOUN
fbem-21442	51	24	of	of	ADP
fbem-21442	51	25	their	their	PRON
fbem-21442	51	26	future	future	ADJ
fbem-21442	51	27	income	income	NOUN
fbem-21442	51	28	,	,	PUNCT
fbem-21442	51	29	reducing	reduce	VERB
fbem-21442	51	30	the	the	DET
fbem-21442	51	31	proportion	proportion	NOUN
fbem-21442	51	32	of	of	ADP
fbem-21442	51	33	potential	potential	ADJ
fbem-21442	51	34	risks	risk	NOUN
fbem-21442	51	35	and	and	CCONJ
fbem-21442	51	36	reserves	reserve	NOUN
fbem-21442	51	37	[	[	X
fbem-21442	51	38	14	14	NUM
fbem-21442	51	39	]	]	PUNCT
fbem-21442	51	40	.	.	PUNCT
fbem-21442	52	1	feng	feng	PROPN
fbem-21442	52	2	and	and	CCONJ
fbem-21442	52	3	song	song	NOUN
fbem-21442	52	4	(	(	PUNCT
fbem-21442	52	5	2021	2021	NUM
fbem-21442	52	6	)	)	PUNCT
fbem-21442	52	7	believed	believe	VERB
fbem-21442	52	8	that	that	SCONJ
fbem-21442	52	9	digital	digital	ADJ
fbem-21442	52	10	insurance	insurance	NOUN
fbem-21442	52	11	,	,	PUNCT
fbem-21442	52	12	by	by	ADP
fbem-21442	52	13	taking	take	VERB
fbem-21442	52	14	advantage	advantage	NOUN
fbem-21442	52	15	of	of	ADP
fbem-21442	52	16	its	its	PRON
fbem-21442	52	17	technical	technical	ADJ
fbem-21442	52	18	advantages	advantage	NOUN
fbem-21442	52	19	,	,	PUNCT
fbem-21442	52	20	can	can	AUX
fbem-21442	52	21	provide	provide	VERB
fbem-21442	52	22	insurance	insurance	NOUN
fbem-21442	52	23	services	service	NOUN
fbem-21442	52	24	in	in	ADP
fbem-21442	52	25	different	different	ADJ
fbem-21442	52	26	regions	region	NOUN
fbem-21442	52	27	and	and	CCONJ
fbem-21442	52	28	allow	allow	VERB
fbem-21442	52	29	consumers	consumer	NOUN
fbem-21442	52	30	to	to	PART
fbem-21442	52	31	negotiate	negotiate	VERB
fbem-21442	52	32	and	and	CCONJ
fbem-21442	52	33	sign	sign	VERB
fbem-21442	52	34	insurance	insurance	NOUN
fbem-21442	52	35	contracts	contract	NOUN
fbem-21442	52	36	without	without	ADP
fbem-21442	52	37	being	be	AUX
fbem-21442	52	38	constrained	constrain	VERB
fbem-21442	52	39	by	by	ADP
fbem-21442	52	40	time	time	NOUN
fbem-21442	52	41	,	,	PUNCT
fbem-21442	52	42	which	which	PRON
fbem-21442	52	43	not	not	PART
fbem-21442	52	44	only	only	ADV
fbem-21442	52	45	reduces	reduce	VERB
fbem-21442	52	46	the	the	DET
fbem-21442	52	47	sales	sale	NOUN
fbem-21442	52	48	cost	cost	NOUN
fbem-21442	52	49	of	of	ADP
fbem-21442	52	50	insurance	insurance	NOUN
fbem-21442	52	51	,	,	PUNCT
fbem-21442	52	52	but	but	CCONJ
fbem-21442	52	53	also	also	ADV
fbem-21442	52	54	ultimately	ultimately	ADV
fbem-21442	52	55	benefits	benefit	VERB
fbem-21442	52	56	consumers	consumer	NOUN
fbem-21442	52	57	,	,	PUNCT
fbem-21442	52	58	thus	thus	ADV
fbem-21442	52	59	improving	improve	VERB
fbem-21442	52	60	the	the	DET
fbem-21442	52	61	quality	quality	NOUN
fbem-21442	52	62	of	of	ADP
fbem-21442	52	63	life	life	NOUN
fbem-21442	52	64	and	and	CCONJ
fbem-21442	52	65	consumption	consumption	NOUN
fbem-21442	52	66	level	level	NOUN
fbem-21442	52	67	of	of	ADP
fbem-21442	52	68	residents	resident	NOUN
fbem-21442	52	69	[	[	X
fbem-21442	52	70	15	15	NUM
fbem-21442	52	71	]	]	PUNCT
fbem-21442	52	72	.	.	PUNCT
fbem-21442	53	1	an	an	DET
fbem-21442	53	2	et	et	NOUN
fbem-21442	53	3	al	al	PROPN
fbem-21442	53	4	.	.	PROPN
fbem-21442	53	5	(	(	PUNCT
fbem-21442	53	6	2023	2023	NUM
fbem-21442	53	7	)	)	PUNCT
fbem-21442	53	8	believed	believe	VERB
fbem-21442	53	9	that	that	SCONJ
fbem-21442	53	10	due	due	ADP
fbem-21442	53	11	to	to	ADP
fbem-21442	53	12	its	its	PRON
fbem-21442	53	13	advantages	advantage	NOUN
fbem-21442	53	14	of	of	ADP
fbem-21442	53	15	wide	wide	ADJ
fbem-21442	53	16	coverage	coverage	NOUN
fbem-21442	53	17	and	and	CCONJ
fbem-21442	53	18	low	low	ADJ
fbem-21442	53	19	cost	cost	NOUN
fbem-21442	53	20	,	,	PUNCT
fbem-21442	53	21	digital	digital	ADJ
fbem-21442	53	22	inclusive	inclusive	ADJ
fbem-21442	53	23	financial	financial	ADJ
fbem-21442	53	24	services	service	NOUN
fbem-21442	53	25	,	,	PUNCT
fbem-21442	53	26	on	on	ADP
fbem-21442	53	27	the	the	DET
fbem-21442	53	28	one	one	NUM
fbem-21442	53	29	hand	hand	NOUN
fbem-21442	53	30	,	,	PUNCT
fbem-21442	53	31	enhance	enhance	VERB
fbem-21442	53	32	residents	resident	NOUN
fbem-21442	53	33	'	'	PART
fbem-21442	53	34	willingness	willingness	NOUN
fbem-21442	53	35	to	to	PART
fbem-21442	53	36	participate	participate	VERB
fbem-21442	53	37	in	in	ADP
fbem-21442	53	38	insurance	insurance	NOUN
fbem-21442	53	39	,	,	PUNCT
fbem-21442	53	40	on	on	ADP
fbem-21442	53	41	the	the	DET
fbem-21442	53	42	other	other	ADJ
fbem-21442	53	43	hand	hand	NOUN
fbem-21442	53	44	,	,	PUNCT
fbem-21442	53	45	reduce	reduce	VERB
fbem-21442	53	46	the	the	DET
fbem-21442	53	47	risk	risk	NOUN
fbem-21442	53	48	cost	cost	NOUN
fbem-21442	53	49	of	of	ADP
fbem-21442	53	50	social	social	ADJ
fbem-21442	53	51	security	security	NOUN
fbem-21442	53	52	institutions	institution	NOUN
fbem-21442	53	53	,	,	PUNCT
fbem-21442	53	54	provide	provide	VERB
fbem-21442	53	55	an	an	DET
fbem-21442	53	56	important	important	ADJ
fbem-21442	53	57	guarantee	guarantee	NOUN
fbem-21442	53	58	for	for	ADP
fbem-21442	53	59	the	the	DET
fbem-21442	53	60	upgrading	upgrading	NOUN
fbem-21442	53	61	of	of	ADP
fbem-21442	53	62	residents	resident	NOUN
fbem-21442	53	63	'	'	PART
fbem-21442	53	64	consumption	consumption	NOUN
fbem-21442	53	65	structure	structure	NOUN
fbem-21442	53	66	,	,	PUNCT
fbem-21442	53	67	and	and	CCONJ
fbem-21442	53	68	promote	promote	VERB
fbem-21442	53	69	the	the	DET
fbem-21442	53	70	improvement	improvement	NOUN
fbem-21442	53	71	of	of	ADP
fbem-21442	53	72	residents	resident	NOUN
fbem-21442	53	73	'	'	PART
fbem-21442	53	74	consumption	consumption	NOUN
fbem-21442	53	75	level	level	NOUN
fbem-21442	53	76	[	[	X
fbem-21442	53	77	16	16	NUM
fbem-21442	53	78	]	]	PUNCT
fbem-21442	53	79	.	.	PUNCT
fbem-21442	54	1	based	base	VERB
fbem-21442	54	2	on	on	ADP
fbem-21442	54	3	this	this	PRON
fbem-21442	54	4	,	,	PUNCT
fbem-21442	54	5	hypothesis	hypothesis	NOUN
fbem-21442	54	6	3	3	NUM
fbem-21442	54	7	is	be	AUX
fbem-21442	54	8	proposed	propose	VERB
fbem-21442	54	9	as	as	SCONJ
fbem-21442	54	10	follows	follow	VERB
fbem-21442	54	11	:	:	PUNCT
fbem-21442	54	12	hypothesis	hypothesis	NOUN
fbem-21442	54	13	3	3	NUM
fbem-21442	54	14	:	:	PUNCT
fbem-21442	54	15	digital	digital	ADJ
fbem-21442	54	16	inclusive	inclusive	ADJ
fbem-21442	54	17	finance	finance	NOUN
fbem-21442	54	18	increases	increase	VERB
fbem-21442	54	19	household	household	NOUN
fbem-21442	54	20	consumption	consumption	NOUN
fbem-21442	54	21	by	by	ADP
fbem-21442	54	22	increasing	increase	VERB
fbem-21442	54	23	digital	digital	ADJ
fbem-21442	54	24	insurance	insurance	NOUN
fbem-21442	54	25	.	.	PUNCT
fbem-21442	55	1	the	the	DET
fbem-21442	55	2	emergence	emergence	NOUN
fbem-21442	55	3	of	of	ADP
fbem-21442	55	4	consumer	consumer	NOUN
fbem-21442	55	5	credit	credit	NOUN
fbem-21442	55	6	provides	provide	VERB
fbem-21442	55	7	a	a	DET
fbem-21442	55	8	source	source	NOUN
fbem-21442	55	9	of	of	ADP
fbem-21442	55	10	funds	fund	NOUN
fbem-21442	55	11	for	for	ADP
fbem-21442	55	12	the	the	DET
fbem-21442	55	13	residents	resident	NOUN
fbem-21442	55	14	who	who	PRON
fbem-21442	55	15	are	be	AUX
fbem-21442	55	16	currently	currently	ADV
fbem-21442	55	17	short	short	ADJ
fbem-21442	55	18	of	of	ADP
fbem-21442	55	19	funds	fund	NOUN
fbem-21442	55	20	,	,	PUNCT
fbem-21442	55	21	which	which	PRON
fbem-21442	55	22	helps	help	VERB
fbem-21442	55	23	to	to	PART
fbem-21442	55	24	release	release	VERB
fbem-21442	55	25	the	the	DET
fbem-21442	55	26	consumption	consumption	NOUN
fbem-21442	55	27	demand	demand	NOUN
fbem-21442	55	28	suppressed	suppress	VERB
fbem-21442	55	29	by	by	ADP
fbem-21442	55	30	the	the	DET
fbem-21442	55	31	shortage	shortage	NOUN
fbem-21442	55	32	of	of	ADP
fbem-21442	55	33	funds	fund	NOUN
fbem-21442	55	34	,	,	PUNCT
fbem-21442	55	35	and	and	CCONJ
fbem-21442	55	36	then	then	ADV
fbem-21442	55	37	increases	increase	VERB
fbem-21442	55	38	the	the	DET
fbem-21442	55	39	consumption	consumption	NOUN
fbem-21442	55	40	expenditure	expenditure	NOUN
fbem-21442	55	41	of	of	ADP
fbem-21442	55	42	residents	resident	NOUN
fbem-21442	55	43	.	.	PUNCT
fbem-21442	56	1	therefore	therefore	ADV
fbem-21442	56	2	,	,	PUNCT
fbem-21442	56	3	the	the	DET
fbem-21442	56	4	issue	issue	NOUN
fbem-21442	56	5	of	of	ADP
fbem-21442	56	6	how	how	SCONJ
fbem-21442	56	7	digital	digital	ADJ
fbem-21442	56	8	inclusive	inclusive	ADJ
fbem-21442	56	9	finance	finance	NOUN
fbem-21442	56	10	acts	act	VERB
fbem-21442	56	11	on	on	ADP
fbem-21442	56	12	residents	resident	NOUN
fbem-21442	56	13	'	'	PART
fbem-21442	56	14	consumption	consumption	NOUN
fbem-21442	56	15	through	through	ADP
fbem-21442	56	16	consumer	consumer	NOUN
fbem-21442	56	17	credit	credit	NOUN
fbem-21442	56	18	has	have	AUX
fbem-21442	56	19	attracted	attract	VERB
fbem-21442	56	20	the	the	DET
fbem-21442	56	21	attention	attention	NOUN
fbem-21442	56	22	of	of	ADP
fbem-21442	56	23	scholars	scholar	NOUN
fbem-21442	56	24	.	.	PUNCT
fbem-21442	57	1	wang	wang	PROPN
fbem-21442	57	2	and	and	CCONJ
fbem-21442	57	3	wang	wang	PROPN
fbem-21442	57	4	(	(	PUNCT
fbem-21442	57	5	2022	2022	NUM
fbem-21442	57	6	)	)	PUNCT
fbem-21442	57	7	found	find	VERB
fbem-21442	57	8	that	that	SCONJ
fbem-21442	57	9	with	with	ADP
fbem-21442	57	10	the	the	DET
fbem-21442	57	11	progress	progress	NOUN
fbem-21442	57	12	of	of	ADP
fbem-21442	57	13	digital	digital	ADJ
fbem-21442	57	14	inclusive	inclusive	ADJ
fbem-21442	57	15	finance	finance	NOUN
fbem-21442	57	16	,	,	PUNCT
fbem-21442	57	17	the	the	DET
fbem-21442	57	18	accessibility	accessibility	NOUN
fbem-21442	57	19	of	of	ADP
fbem-21442	57	20	consumer	consumer	NOUN
fbem-21442	57	21	credit	credit	NOUN
fbem-21442	57	22	to	to	ADP
fbem-21442	57	23	residents	resident	NOUN
fbem-21442	57	24	has	have	AUX
fbem-21442	57	25	been	be	AUX
fbem-21442	57	26	enhanced	enhance	VERB
fbem-21442	57	27	.	.	PUNCT
fbem-21442	58	1	by	by	ADP
fbem-21442	58	2	enabling	enable	VERB
fbem-21442	58	3	residents	resident	NOUN
fbem-21442	58	4	to	to	PART
fbem-21442	58	5	get	get	AUX
fbem-21442	58	6	rid	rid	VERB
fbem-21442	58	7	of	of	ADP
fbem-21442	58	8	the	the	DET
fbem-21442	58	9	constraints	constraint	NOUN
fbem-21442	58	10	of	of	ADP
fbem-21442	58	11	small	small	ADJ
fbem-21442	58	12	loans	loan	NOUN
fbem-21442	58	13	,	,	PUNCT
fbem-21442	58	14	the	the	DET
fbem-21442	58	15	liquidity	liquidity	NOUN
fbem-21442	58	16	constraints	constraint	NOUN
fbem-21442	58	17	of	of	ADP
fbem-21442	58	18	residents	resident	NOUN
fbem-21442	58	19	can	can	AUX
fbem-21442	58	20	be	be	AUX
fbem-21442	58	21	alleviated	alleviate	VERB
fbem-21442	58	22	,	,	PUNCT
fbem-21442	58	23	and	and	CCONJ
fbem-21442	58	24	the	the	DET
fbem-21442	58	25	income	income	NOUN
fbem-21442	58	26	growth	growth	NOUN
fbem-21442	58	27	can	can	AUX
fbem-21442	58	28	be	be	AUX
fbem-21442	58	29	promoted	promote	VERB
fbem-21442	58	30	,	,	PUNCT
fbem-21442	58	31	thus	thus	ADV
fbem-21442	58	32	promoting	promote	VERB
fbem-21442	58	33	the	the	DET
fbem-21442	58	34	growth	growth	NOUN
fbem-21442	58	35	of	of	ADP
fbem-21442	58	36	household	household	NOUN
fbem-21442	58	37	consumption	consumption	NOUN
fbem-21442	59	1	[	[	X
fbem-21442	59	2	17	17	NUM
fbem-21442	59	3	]	]	PUNCT
fbem-21442	59	4	.	.	PUNCT
fbem-21442	60	1	yao	yao	PROPN
fbem-21442	60	2	et	et	PROPN
fbem-21442	60	3	al	al	PROPN
fbem-21442	60	4	.	.	PROPN
fbem-21442	60	5	(	(	PUNCT
fbem-21442	60	6	2022	2022	NUM
fbem-21442	60	7	)	)	PUNCT
fbem-21442	60	8	mainly	mainly	ADV
fbem-21442	60	9	discussed	discuss	VERB
fbem-21442	60	10	how	how	SCONJ
fbem-21442	60	11	the	the	DET
fbem-21442	60	12	availability	availability	NOUN
fbem-21442	60	13	of	of	ADP
fbem-21442	60	14	household	household	NOUN
fbem-21442	60	15	credit	credit	NOUN
fbem-21442	60	16	affects	affect	VERB
fbem-21442	60	17	the	the	DET
fbem-21442	60	18	marginal	marginal	ADJ
fbem-21442	60	19	consumption	consumption	NOUN
fbem-21442	60	20	trend	trend	NOUN
fbem-21442	60	21	,	,	PUNCT
fbem-21442	60	22	and	and	CCONJ
fbem-21442	60	23	digital	digital	ADJ
fbem-21442	60	24	inclusive	inclusive	ADJ
fbem-21442	60	25	finance	finance	NOUN
fbem-21442	60	26	promotes	promote	VERB
fbem-21442	60	27	the	the	DET
fbem-21442	60	28	increase	increase	NOUN
fbem-21442	60	29	of	of	ADP
fbem-21442	60	30	household	household	NOUN
fbem-21442	60	31	credit	credit	NOUN
fbem-21442	61	1	[	[	X
fbem-21442	61	2	18	18	NUM
fbem-21442	61	3	]	]	PUNCT
fbem-21442	61	4	.	.	PUNCT
fbem-21442	62	1	tan	tan	PROPN
fbem-21442	62	2	et	et	PROPN
fbem-21442	62	3	al	al	PROPN
fbem-21442	62	4	.	.	PROPN
fbem-21442	63	1	(	(	PUNCT
fbem-21442	63	2	2023	2023	NUM
fbem-21442	63	3	)	)	PUNCT
fbem-21442	63	4	believed	believe	VERB
fbem-21442	63	5	that	that	SCONJ
fbem-21442	63	6	digital	digital	ADJ
fbem-21442	63	7	inclusive	inclusive	ADJ
fbem-21442	63	8	finance	finance	NOUN
fbem-21442	63	9	can	can	AUX
fbem-21442	63	10	reduce	reduce	VERB
fbem-21442	63	11	the	the	DET
fbem-21442	63	12	cost	cost	NOUN
fbem-21442	63	13	caused	cause	VERB
fbem-21442	63	14	by	by	ADP
fbem-21442	63	15	information	information	NOUN
fbem-21442	63	16	asymmetry	asymmetry	NOUN
fbem-21442	63	17	by	by	ADP
fbem-21442	63	18	promoting	promote	VERB
fbem-21442	63	19	information	information	NOUN
fbem-21442	63	20	sharing	sharing	NOUN
fbem-21442	63	21	,	,	PUNCT
fbem-21442	63	22	thus	thus	ADV
fbem-21442	63	23	enhancing	enhance	VERB
fbem-21442	63	24	the	the	DET
fbem-21442	63	25	credit	credit	NOUN
fbem-21442	63	26	supply	supply	NOUN
fbem-21442	63	27	capacity	capacity	NOUN
fbem-21442	63	28	of	of	ADP
fbem-21442	63	29	financial	financial	ADJ
fbem-21442	63	30	institutions	institution	NOUN
fbem-21442	63	31	.	.	PUNCT
fbem-21442	64	1	the	the	DET
fbem-21442	64	2	increase	increase	NOUN
fbem-21442	64	3	of	of	ADP
fbem-21442	64	4	credit	credit	NOUN
fbem-21442	64	5	supply	supply	NOUN
fbem-21442	64	6	has	have	AUX
fbem-21442	64	7	fundamentally	fundamentally	ADV
fbem-21442	64	8	stimulated	stimulate	VERB
fbem-21442	64	9	residents	resident	NOUN
fbem-21442	64	10	'	'	PART
fbem-21442	64	11	consumption	consumption	NOUN
fbem-21442	64	12	desire	desire	NOUN
fbem-21442	64	13	and	and	CCONJ
fbem-21442	64	14	increased	increase	VERB
fbem-21442	64	15	the	the	DET
fbem-21442	64	16	proportion	proportion	NOUN
fbem-21442	64	17	of	of	ADP
fbem-21442	64	18	consumption	consumption	NOUN
fbem-21442	64	19	in	in	ADP
fbem-21442	64	20	the	the	DET
fbem-21442	64	21	total	total	ADJ
fbem-21442	64	22	income	income	NOUN
fbem-21442	64	23	,	,	PUNCT
fbem-21442	64	24	thus	thus	ADV
fbem-21442	64	25	effectively	effectively	ADV
fbem-21442	64	26	improving	improve	VERB
fbem-21442	64	27	the	the	DET
fbem-21442	64	28	stable	stable	ADJ
fbem-21442	64	29	growth	growth	NOUN
fbem-21442	64	30	of	of	ADP
fbem-21442	64	31	the	the	DET
fbem-21442	64	32	quality	quality	NOUN
fbem-21442	64	33	and	and	CCONJ
fbem-21442	64	34	quantity	quantity	NOUN
fbem-21442	64	35	of	of	ADP
fbem-21442	64	36	chinese	chinese	ADJ
fbem-21442	64	37	residents	resident	NOUN
fbem-21442	64	38	'	'	PART
fbem-21442	64	39	consumption	consumption	NOUN
fbem-21442	65	1	[	[	X
fbem-21442	65	2	19	19	NUM
fbem-21442	65	3	]	]	PUNCT
fbem-21442	65	4	.	.	PUNCT
fbem-21442	66	1	based	base	VERB
fbem-21442	66	2	on	on	ADP
fbem-21442	66	3	this	this	PRON
fbem-21442	66	4	,	,	PUNCT
fbem-21442	66	5	hypothesis	hypothesis	NOUN
fbem-21442	66	6	4	4	NUM
fbem-21442	66	7	is	be	AUX
fbem-21442	66	8	proposed	propose	VERB
fbem-21442	66	9	as	as	SCONJ
fbem-21442	66	10	follows	follow	VERB
fbem-21442	66	11	:	:	PUNCT
fbem-21442	66	12	hypothesis	hypothesis	NOUN
fbem-21442	66	13	4	4	NUM
fbem-21442	66	14	:	:	PUNCT
fbem-21442	66	15	digital	digital	ADJ
fbem-21442	66	16	inclusive	inclusive	ADJ
fbem-21442	66	17	finance	finance	NOUN
fbem-21442	66	18	increases	increase	VERB
fbem-21442	66	19	household	household	NOUN
fbem-21442	66	20	consumption	consumption	NOUN
fbem-21442	66	21	by	by	ADP
fbem-21442	66	22	increasing	increase	VERB
fbem-21442	66	23	consumer	consumer	NOUN
fbem-21442	66	24	credit	credit	NOUN
fbem-21442	66	25	.	.	PUNCT
fbem-21442	67	1	3	3	X
fbem-21442	67	2	.	.	X
fbem-21442	67	3	model	model	NOUN
fbem-21442	67	4	construction	construction	NOUN
fbem-21442	67	5	and	and	CCONJ
fbem-21442	67	6	data	datum	NOUN
fbem-21442	67	7	selection	selection	NOUN
fbem-21442	67	8	3.1	3.1	NUM
fbem-21442	67	9	.	.	PUNCT
fbem-21442	67	10	data	datum	NOUN
fbem-21442	67	11	source	source	NOUN
fbem-21442	67	12	and	and	CCONJ
fbem-21442	67	13	variable	variable	ADJ
fbem-21442	67	14	selection	selection	NOUN
fbem-21442	67	15	this	this	DET
fbem-21442	67	16	paper	paper	NOUN
fbem-21442	67	17	selects	select	VERB
fbem-21442	67	18	the	the	DET
fbem-21442	67	19	panel	panel	NOUN
fbem-21442	67	20	data	datum	NOUN
fbem-21442	67	21	and	and	CCONJ
fbem-21442	67	22	digital	digital	ADJ
fbem-21442	67	23	inclusive	inclusive	ADJ
fbem-21442	67	24	financial	financial	ADJ
fbem-21442	67	25	index	index	NOUN
fbem-21442	67	26	of	of	ADP
fbem-21442	67	27	11	11	NUM
fbem-21442	67	28	provinces	province	NOUN
fbem-21442	67	29	and	and	CCONJ
fbem-21442	67	30	cities	city	NOUN
fbem-21442	67	31	in	in	ADP
fbem-21442	67	32	the	the	DET
fbem-21442	67	33	yangtze	yangtze	PROPN
fbem-21442	67	34	river	river	PROPN
fbem-21442	67	35	economic	economic	ADJ
fbem-21442	67	36	belt	belt	NOUN
fbem-21442	67	37	from	from	ADP
fbem-21442	67	38	2016	2016	NUM
fbem-21442	67	39	to	to	ADP
fbem-21442	67	40	2022	2022	NUM
fbem-21442	67	41	for	for	ADP
fbem-21442	67	42	research	research	NOUN
fbem-21442	67	43	and	and	CCONJ
fbem-21442	67	44	analysis	analysis	NOUN
fbem-21442	67	45	.	.	PUNCT
fbem-21442	68	1	the	the	DET
fbem-21442	68	2	main	main	ADJ
fbem-21442	68	3	sources	source	NOUN
fbem-21442	68	4	of	of	ADP
fbem-21442	68	5	data	datum	NOUN
fbem-21442	68	6	are	be	AUX
fbem-21442	68	7	china	china	PROPN
fbem-21442	68	8	city	city	PROPN
fbem-21442	68	9	statistical	statistical	ADJ
fbem-21442	68	10	yearbook	yearbook	NOUN
fbem-21442	68	11	and	and	CCONJ
fbem-21442	68	12	eps	eps	PROPN
fbem-21442	68	13	data	data	NOUN
fbem-21442	68	14	platform	platform	NOUN
fbem-21442	68	15	.	.	PUNCT
fbem-21442	69	1	some	some	PRON
fbem-21442	69	2	of	of	ADP
fbem-21442	69	3	the	the	DET
fbem-21442	69	4	variables	variable	NOUN
fbem-21442	69	5	were	be	AUX
fbem-21442	69	6	processed	process	VERB
fbem-21442	69	7	in	in	ADP
fbem-21442	69	8	natural	natural	ADJ
fbem-21442	69	9	logarithm	logarithm	NOUN
fbem-21442	69	10	to	to	PART
fbem-21442	69	11	make	make	VERB
fbem-21442	69	12	the	the	DET
fbem-21442	69	13	data	datum	NOUN
fbem-21442	69	14	more	more	ADV
fbem-21442	69	15	representative	representative	NOUN
fbem-21442	69	16	.	.	PUNCT
fbem-21442	70	1	3.1.1	3.1.1	X
fbem-21442	70	2	.	.	PUNCT
fbem-21442	70	3	explanatory	explanatory	ADJ
fbem-21442	70	4	variables	variable	NOUN
fbem-21442	70	5	and	and	CCONJ
fbem-21442	70	6	explained	explain	VERB
fbem-21442	70	7	variables	variable	NOUN
fbem-21442	70	8	peking	peking	PROPN
fbem-21442	70	9	university	university	PROPN
fbem-21442	70	10	digital	digital	PROPN
fbem-21442	70	11	inclusive	inclusive	ADJ
fbem-21442	70	12	financial	financial	ADJ
fbem-21442	70	13	index	index	NOUN
fbem-21442	70	14	(	(	PUNCT
fbem-21442	70	15	index	index	NOUN
fbem-21442	70	16	)	)	PUNCT
fbem-21442	70	17	is	be	AUX
fbem-21442	70	18	the	the	DET
fbem-21442	70	19	explanatory	explanatory	ADJ
fbem-21442	70	20	variable	variable	NOUN
fbem-21442	70	21	of	of	ADP
fbem-21442	70	22	this	this	DET
fbem-21442	70	23	paper	paper	NOUN
fbem-21442	70	24	,	,	PUNCT
fbem-21442	70	25	and	and	CCONJ
fbem-21442	70	26	the	the	DET
fbem-21442	70	27	total	total	ADJ
fbem-21442	70	28	index	index	NOUN
fbem-21442	70	29	of	of	ADP
fbem-21442	70	30	digital	digital	ADJ
fbem-21442	70	31	inclusive	inclusive	ADJ
fbem-21442	70	32	financial	financial	NOUN
fbem-21442	70	33	is	be	AUX
fbem-21442	70	34	used	use	VERB
fbem-21442	70	35	as	as	ADP
fbem-21442	70	36	the	the	DET
fbem-21442	70	37	explanatory	explanatory	ADJ
fbem-21442	70	38	variable	variable	NOUN
fbem-21442	70	39	in	in	ADP
fbem-21442	70	40	the	the	DET
fbem-21442	70	41	benchmark	benchmark	NOUN
fbem-21442	70	42	regression	regression	NOUN
fbem-21442	70	43	.	.	PUNCT
fbem-21442	71	1	the	the	DET
fbem-21442	71	2	explained	explain	VERB
fbem-21442	71	3	variable	variable	NOUN
fbem-21442	71	4	in	in	ADP
fbem-21442	71	5	this	this	DET
fbem-21442	71	6	255	255	NUM
fbem-21442	71	7	paper	paper	NOUN
fbem-21442	71	8	is	be	AUX
fbem-21442	71	9	the	the	DET
fbem-21442	71	10	household	household	NOUN
fbem-21442	71	11	consumption	consumption	NOUN
fbem-21442	71	12	(	(	PUNCT
fbem-21442	71	13	consume	consume	PROPN
fbem-21442	71	14	)	)	PUNCT
fbem-21442	71	15	,	,	PUNCT
fbem-21442	71	16	which	which	PRON
fbem-21442	71	17	is	be	AUX
fbem-21442	71	18	measured	measure	VERB
fbem-21442	71	19	by	by	ADP
fbem-21442	71	20	the	the	DET
fbem-21442	71	21	annual	annual	ADJ
fbem-21442	71	22	per	per	X
fbem-21442	71	23	capita	capita	X
fbem-21442	71	24	consumption	consumption	NOUN
fbem-21442	71	25	expenditure	expenditure	NOUN
fbem-21442	71	26	of	of	ADP
fbem-21442	71	27	each	each	DET
fbem-21442	71	28	province	province	NOUN
fbem-21442	71	29	and	and	CCONJ
fbem-21442	71	30	city	city	NOUN
fbem-21442	71	31	.	.	PUNCT
fbem-21442	72	1	3.1.2	3.1.2	X
fbem-21442	72	2	.	.	PUNCT
fbem-21442	72	3	mediating	mediate	VERB
fbem-21442	72	4	variables	variable	NOUN
fbem-21442	72	5	and	and	CCONJ
fbem-21442	72	6	control	control	NOUN
fbem-21442	72	7	variables	variable	NOUN
fbem-21442	72	8	the	the	DET
fbem-21442	72	9	mediating	mediating	NOUN
fbem-21442	72	10	variables	variable	NOUN
fbem-21442	72	11	selected	select	VERB
fbem-21442	72	12	in	in	ADP
fbem-21442	72	13	this	this	DET
fbem-21442	72	14	paper	paper	NOUN
fbem-21442	72	15	are	be	AUX
fbem-21442	72	16	household	household	NOUN
fbem-21442	72	17	income	income	NOUN
fbem-21442	72	18	(	(	PUNCT
fbem-21442	72	19	ri	ri	NOUN
fbem-21442	72	20	)	)	PUNCT
fbem-21442	72	21	,	,	PUNCT
fbem-21442	72	22	digital	digital	ADJ
fbem-21442	72	23	insurance	insurance	NOUN
fbem-21442	72	24	(	(	PUNCT
fbem-21442	72	25	ei	ei	NOUN
fbem-21442	72	26	)	)	PUNCT
fbem-21442	72	27	and	and	CCONJ
fbem-21442	72	28	consumer	consumer	NOUN
fbem-21442	72	29	credit	credit	NOUN
fbem-21442	72	30	(	(	PUNCT
fbem-21442	72	31	loan	loan	NOUN
fbem-21442	72	32	)	)	PUNCT
fbem-21442	72	33	.	.	PUNCT
fbem-21442	73	1	in	in	ADP
fbem-21442	73	2	order	order	NOUN
fbem-21442	73	3	to	to	PART
fbem-21442	73	4	prevent	prevent	VERB
fbem-21442	73	5	endogeneity	endogeneity	NOUN
fbem-21442	73	6	problems	problem	NOUN
fbem-21442	73	7	caused	cause	VERB
fbem-21442	73	8	by	by	ADP
fbem-21442	73	9	the	the	DET
fbem-21442	73	10	omission	omission	NOUN
fbem-21442	73	11	of	of	ADP
fbem-21442	73	12	important	important	ADJ
fbem-21442	73	13	variables	variable	NOUN
fbem-21442	73	14	,	,	PUNCT
fbem-21442	73	15	we	we	PRON
fbem-21442	73	16	refer	refer	VERB
fbem-21442	73	17	to	to	ADP
fbem-21442	73	18	the	the	DET
fbem-21442	73	19	practice	practice	NOUN
fbem-21442	73	20	of	of	ADP
fbem-21442	73	21	xiang	xiang	PROPN
fbem-21442	73	22	(	(	PUNCT
fbem-21442	73	23	2022	2022	NUM
fbem-21442	73	24	)	)	PUNCT
fbem-21442	74	1	[	[	X
fbem-21442	74	2	20	20	NUM
fbem-21442	74	3	]	]	PUNCT
fbem-21442	74	4	and	and	CCONJ
fbem-21442	74	5	li	li	PROPN
fbem-21442	74	6	and	and	CCONJ
fbem-21442	74	7	li	li	PROPN
fbem-21442	74	8	(	(	PUNCT
fbem-21442	74	9	2023	2023	NUM
fbem-21442	74	10	)	)	PUNCT
fbem-21442	75	1	[	[	X
fbem-21442	75	2	21	21	NUM
fbem-21442	75	3	]	]	PUNCT
fbem-21442	75	4	,	,	PUNCT
fbem-21442	75	5	and	and	CCONJ
fbem-21442	75	6	select	select	ADJ
fbem-21442	75	7	variables	variable	NOUN
fbem-21442	75	8	that	that	PRON
fbem-21442	75	9	have	have	VERB
fbem-21442	75	10	a	a	DET
fbem-21442	75	11	certain	certain	ADJ
fbem-21442	75	12	impact	impact	NOUN
fbem-21442	75	13	on	on	ADP
fbem-21442	75	14	household	household	NOUN
fbem-21442	75	15	consumption	consumption	NOUN
fbem-21442	75	16	,	,	PUNCT
fbem-21442	75	17	so	so	SCONJ
fbem-21442	75	18	as	as	SCONJ
fbem-21442	75	19	to	to	PART
fbem-21442	75	20	more	more	ADV
fbem-21442	75	21	accurately	accurately	ADV
fbem-21442	75	22	reflect	reflect	VERB
fbem-21442	75	23	the	the	DET
fbem-21442	75	24	relationship	relationship	NOUN
fbem-21442	75	25	between	between	ADP
fbem-21442	75	26	explanatory	explanatory	ADJ
fbem-21442	75	27	variables	variable	NOUN
fbem-21442	75	28	and	and	CCONJ
fbem-21442	75	29	explained	explain	VERB
fbem-21442	75	30	variables	variable	NOUN
fbem-21442	75	31	.	.	PUNCT
fbem-21442	76	1	the	the	DET
fbem-21442	76	2	control	control	NOUN
fbem-21442	76	3	variables	variable	VERB
fbem-21442	76	4	in	in	ADP
fbem-21442	76	5	this	this	DET
fbem-21442	76	6	paper	paper	NOUN
fbem-21442	76	7	include	include	VERB
fbem-21442	76	8	income	income	NOUN
fbem-21442	76	9	gap	gap	NOUN
fbem-21442	76	10	between	between	ADP
fbem-21442	76	11	urban	urban	ADJ
fbem-21442	76	12	and	and	CCONJ
fbem-21442	76	13	rural	rural	ADJ
fbem-21442	76	14	residents	resident	NOUN
fbem-21442	76	15	(	(	PUNCT
fbem-21442	76	16	income	income	NOUN
fbem-21442	76	17	)	)	PUNCT
fbem-21442	76	18	,	,	PUNCT
fbem-21442	76	19	urbanization	urbanization	NOUN
fbem-21442	76	20	rate	rate	NOUN
fbem-21442	76	21	(	(	PUNCT
fbem-21442	76	22	ur	ur	INTJ
fbem-21442	76	23	)	)	PUNCT
fbem-21442	76	24	,	,	PUNCT
fbem-21442	76	25	fiscal	fiscal	ADJ
fbem-21442	76	26	expenditure	expenditure	NOUN
fbem-21442	76	27	(	(	PUNCT
fbem-21442	76	28	fiscal	fiscal	ADJ
fbem-21442	76	29	)	)	PUNCT
fbem-21442	76	30	,	,	PUNCT
fbem-21442	76	31	unemployment	unemployment	NOUN
fbem-21442	76	32	rate	rate	NOUN
fbem-21442	76	33	(	(	PUNCT
fbem-21442	76	34	unemp	unemp	NOUN
fbem-21442	76	35	)	)	PUNCT
fbem-21442	76	36	,	,	PUNCT
fbem-21442	76	37	economic	economic	ADJ
fbem-21442	76	38	development	development	NOUN
fbem-21442	76	39	level	level	NOUN
fbem-21442	76	40	(	(	PUNCT
fbem-21442	76	41	eco	eco	PROPN
fbem-21442	76	42	)	)	PUNCT
fbem-21442	76	43	,	,	PUNCT
fbem-21442	76	44	government	government	NOUN
fbem-21442	76	45	fiscal	fiscal	ADJ
fbem-21442	76	46	expenditure	expenditure	NOUN
fbem-21442	76	47	(	(	PUNCT
fbem-21442	76	48	gov	gov	PROPN
fbem-21442	76	49	)	)	PUNCT
fbem-21442	76	50	,	,	PUNCT
fbem-21442	76	51	road	road	NOUN
fbem-21442	76	52	infrastructure	infrastructure	NOUN
fbem-21442	76	53	(	(	PUNCT
fbem-21442	76	54	road	road	NOUN
fbem-21442	76	55	)	)	PUNCT
fbem-21442	76	56	,	,	PUNCT
fbem-21442	76	57	and	and	CCONJ
fbem-21442	76	58	foreign	foreign	ADJ
fbem-21442	76	59	economic	economic	ADJ
fbem-21442	76	60	and	and	CCONJ
fbem-21442	76	61	trade	trade	NOUN
fbem-21442	76	62	(	(	PUNCT
fbem-21442	76	63	open	open	ADJ
fbem-21442	76	64	)	)	PUNCT
fbem-21442	76	65	.	.	PUNCT
fbem-21442	77	1	3.1.3	3.1.3	X
fbem-21442	77	2	.	.	PUNCT
fbem-21442	77	3	descriptive	descriptive	ADJ
fbem-21442	77	4	statistics	statistic	NOUN
fbem-21442	77	5	all	all	DET
fbem-21442	77	6	variables	variable	NOUN
fbem-21442	77	7	are	be	AUX
fbem-21442	77	8	winnowed	winnow	VERB
fbem-21442	77	9	,	,	PUNCT
fbem-21442	77	10	among	among	ADP
fbem-21442	77	11	which	which	PRON
fbem-21442	77	12	,	,	PUNCT
fbem-21442	77	13	the	the	DET
fbem-21442	77	14	four	four	NUM
fbem-21442	77	15	variables	variable	NOUN
fbem-21442	77	16	of	of	ADP
fbem-21442	77	17	per	per	ADP
fbem-21442	77	18	capita	capita	X
fbem-21442	77	19	consumption	consumption	NOUN
fbem-21442	77	20	expenditure	expenditure	NOUN
fbem-21442	77	21	of	of	ADP
fbem-21442	77	22	residents	resident	NOUN
fbem-21442	77	23	,	,	PUNCT
fbem-21442	77	24	digital	digital	ADJ
fbem-21442	77	25	inclusive	inclusive	ADJ
fbem-21442	77	26	financial	financial	ADJ
fbem-21442	77	27	index	index	NOUN
fbem-21442	77	28	,	,	PUNCT
fbem-21442	77	29	local	local	ADJ
fbem-21442	77	30	general	general	ADJ
fbem-21442	77	31	public	public	ADJ
fbem-21442	77	32	budget	budget	NOUN
fbem-21442	77	33	expenditure	expenditure	NOUN
fbem-21442	77	34	and	and	CCONJ
fbem-21442	77	35	actual	actual	ADJ
fbem-21442	77	36	urban	urban	ADJ
fbem-21442	77	37	road	road	NOUN
fbem-21442	77	38	area	area	NOUN
fbem-21442	77	39	at	at	ADP
fbem-21442	77	40	the	the	DET
fbem-21442	77	41	end	end	NOUN
fbem-21442	77	42	of	of	ADP
fbem-21442	77	43	the	the	DET
fbem-21442	77	44	year	year	NOUN
fbem-21442	77	45	are	be	AUX
fbem-21442	77	46	log	log	NOUN
fbem-21442	77	47	processed	process	VERB
fbem-21442	77	48	,	,	PUNCT
fbem-21442	77	49	and	and	CCONJ
fbem-21442	77	50	the	the	DET
fbem-21442	77	51	interpolation	interpolation	NOUN
fbem-21442	77	52	method	method	NOUN
fbem-21442	77	53	is	be	AUX
fbem-21442	77	54	used	use	VERB
fbem-21442	77	55	to	to	PART
fbem-21442	77	56	make	make	VERB
fbem-21442	77	57	up	up	ADP
fbem-21442	77	58	for	for	ADP
fbem-21442	77	59	part	part	NOUN
fbem-21442	77	60	of	of	ADP
fbem-21442	77	61	the	the	DET
fbem-21442	77	62	missing	miss	VERB
fbem-21442	77	63	data	datum	NOUN
fbem-21442	77	64	.	.	PUNCT
fbem-21442	78	1	table	table	NOUN
fbem-21442	78	2	1	1	NUM
fbem-21442	78	3	shows	show	VERB
fbem-21442	78	4	the	the	DET
fbem-21442	78	5	descriptive	descriptive	ADJ
fbem-21442	78	6	statistical	statistical	ADJ
fbem-21442	78	7	results	result	NOUN
fbem-21442	78	8	of	of	ADP
fbem-21442	78	9	the	the	DET
fbem-21442	78	10	variables	variable	NOUN
fbem-21442	78	11	.	.	PUNCT
fbem-21442	79	1	table	table	NOUN
fbem-21442	79	2	1	1	NUM
fbem-21442	79	3	.	.	PUNCT
fbem-21442	79	4	selection	selection	NOUN
fbem-21442	79	5	and	and	CCONJ
fbem-21442	79	6	definition	definition	NOUN
fbem-21442	79	7	of	of	ADP
fbem-21442	79	8	main	main	ADJ
fbem-21442	79	9	variables	variable	NOUN
fbem-21442	79	10	variable	variable	ADJ
fbem-21442	79	11	description	description	NOUN
fbem-21442	79	12	of	of	ADP
fbem-21442	79	13	variables	variable	NOUN
fbem-21442	79	14	n	n	PRON
fbem-21442	79	15	mean	mean	VERB
fbem-21442	79	16	sd	sd	ADP
fbem-21442	79	17	min	min	PROPN
fbem-21442	79	18	max	max	PROPN
fbem-21442	79	19	consume	consume	VERB
fbem-21442	79	20	per	per	ADP
fbem-21442	79	21	capita	capita	X
fbem-21442	79	22	consumption	consumption	NOUN
fbem-21442	79	23	expenditure	expenditure	NOUN
fbem-21442	79	24	784	784	NUM
fbem-21442	79	25	9.86	9.86	NUM
fbem-21442	79	26	0.33	0.33	NUM
fbem-21442	79	27	9.05	9.05	NUM
fbem-21442	79	28	10.8	10.8	NUM
fbem-21442	79	29	index	index	NOUN
fbem-21442	79	30	digital	digital	ADJ
fbem-21442	79	31	financial	financial	ADJ
fbem-21442	79	32	inclusion	inclusion	NOUN
fbem-21442	79	33	index	index	NOUN
fbem-21442	79	34	784	784	NUM
fbem-21442	79	35	5.51	5.51	NUM
fbem-21442	79	36	0.16	0.16	NUM
fbem-21442	79	37	5.11	5.11	NUM
fbem-21442	79	38	5.89	5.89	NUM
fbem-21442	79	39	income	income	NOUN
fbem-21442	79	40	disposable	disposable	ADJ
fbem-21442	79	41	income	income	NOUN
fbem-21442	79	42	of	of	ADP
fbem-21442	79	43	urban	urban	ADJ
fbem-21442	79	44	residents	resident	NOUN
fbem-21442	79	45	/	/	SYM
fbem-21442	79	46	disposable	disposable	ADJ
fbem-21442	79	47	income	income	NOUN
fbem-21442	79	48	of	of	ADP
fbem-21442	79	49	rural	rural	ADJ
fbem-21442	79	50	residents	resident	NOUN
fbem-21442	79	51	784	784	NUM
fbem-21442	80	1	2.2	2.2	NUM
fbem-21442	80	2	0.35	0.35	NUM
fbem-21442	80	3	1.56	1.56	NUM
fbem-21442	80	4	3.27	3.27	NUM
fbem-21442	80	5	ur	ur	INTJ
fbem-21442	80	6	urban	urban	ADJ
fbem-21442	80	7	population	population	NOUN
fbem-21442	80	8	/	/	SYM
fbem-21442	80	9	total	total	ADJ
fbem-21442	80	10	population	population	NOUN
fbem-21442	80	11	784	784	NUM
fbem-21442	80	12	56.62	56.62	NUM
fbem-21442	80	13	12.46	12.46	NUM
fbem-21442	80	14	21.99	21.99	NUM
fbem-21442	80	15	89.33	89.33	NUM
fbem-21442	80	16	fiscal	fiscal	ADJ
fbem-21442	80	17	fiscal	fiscal	ADJ
fbem-21442	80	18	expenditure	expenditure	NOUN
fbem-21442	80	19	/gdp	/gdp	NOUN
fbem-21442	81	1	784	784	NUM
fbem-21442	81	2	17.8	17.8	NUM
fbem-21442	81	3	8.71	8.71	NUM
fbem-21442	81	4	1.07	1.07	NUM
fbem-21442	81	5	54	54	NUM
fbem-21442	81	6	unemp	unemp	NOUN
fbem-21442	81	7	number	number	NOUN
fbem-21442	81	8	of	of	ADP
fbem-21442	81	9	unemployed	unemployed	ADJ
fbem-21442	81	10	/	/	SYM
fbem-21442	81	11	number	number	NOUN
fbem-21442	81	12	of	of	ADP
fbem-21442	81	13	labor	labor	NOUN
fbem-21442	81	14	force	force	NOUN
fbem-21442	81	15	784	784	NUM
fbem-21442	81	16	2.93	2.93	NUM
fbem-21442	81	17	0.78	0.78	NUM
fbem-21442	81	18	0.6	0.6	NUM
fbem-21442	81	19	5.5	5.5	NUM
fbem-21442	81	20	eco	eco	NOUN
fbem-21442	81	21	gdp	gdp	NOUN
fbem-21442	81	22	per	per	ADP
fbem-21442	81	23	capita	capita	X
fbem-21442	81	24	784	784	NUM
fbem-21442	81	25	11.03	11.03	NUM
fbem-21442	81	26	0.54	0.54	NUM
fbem-21442	81	27	9.55	9.55	NUM
fbem-21442	81	28	15.68	15.68	NUM
fbem-21442	81	29	gov	gov	PROPN
fbem-21442	81	30	local	local	ADJ
fbem-21442	81	31	general	general	ADJ
fbem-21442	81	32	public	public	ADJ
fbem-21442	81	33	budget	budget	NOUN
fbem-21442	81	34	expenditures	expenditure	NOUN
fbem-21442	81	35	784	784	NUM
fbem-21442	82	1	6.1	6.1	NUM
fbem-21442	82	2	0.71	0.71	NUM
fbem-21442	82	3	4.55	4.55	NUM
fbem-21442	82	4	9.15	9.15	NUM
fbem-21442	82	5	road	road	NOUN
fbem-21442	82	6	there	there	PRON
fbem-21442	82	7	is	be	VERB
fbem-21442	82	8	actually	actually	ADV
fbem-21442	82	9	urban	urban	ADJ
fbem-21442	82	10	road	road	NOUN
fbem-21442	82	11	area	area	NOUN
fbem-21442	82	12	at	at	ADP
fbem-21442	82	13	the	the	DET
fbem-21442	82	14	end	end	NOUN
fbem-21442	82	15	of	of	ADP
fbem-21442	82	16	the	the	DET
fbem-21442	82	17	year	year	NOUN
fbem-21442	82	18	784	784	NUM
fbem-21442	82	19	7.5	7.5	NUM
fbem-21442	82	20	0.91	0.91	NUM
fbem-21442	82	21	4.94	4.94	NUM
fbem-21442	82	22	10.41	10.41	NUM
fbem-21442	82	23	open	open	ADJ
fbem-21442	82	24	import	import	NOUN
fbem-21442	82	25	of	of	ADP
fbem-21442	82	26	goods	good	NOUN
fbem-21442	82	27	/	/	SYM
fbem-21442	82	28	export	export	NOUN
fbem-21442	82	29	of	of	ADP
fbem-21442	82	30	goods	good	NOUN
fbem-21442	82	31	784	784	NUM
fbem-21442	82	32	1.29	1.29	NUM
fbem-21442	82	33	14.94	14.94	NUM
fbem-21442	82	34	0	0	NUM
fbem-21442	82	35	409.9	409.9	NUM
fbem-21442	82	36	indus	indus	NOUN
fbem-21442	82	37	the	the	DET
fbem-21442	82	38	proportion	proportion	NOUN
fbem-21442	82	39	of	of	ADP
fbem-21442	82	40	tertiary	tertiary	ADJ
fbem-21442	82	41	industry	industry	NOUN
fbem-21442	82	42	in	in	ADP
fbem-21442	82	43	regional	regional	ADJ
fbem-21442	82	44	gdp	gdp	NOUN
fbem-21442	82	45	784	784	NUM
fbem-21442	82	46	46.85	46.85	NUM
fbem-21442	82	47	7.49	7.49	NUM
fbem-21442	82	48	26.12	26.12	NUM
fbem-21442	82	49	74.1	74.1	NUM
fbem-21442	82	50	3.2	3.2	NUM
fbem-21442	82	51	.	.	PUNCT
fbem-21442	83	1	model	model	NOUN
fbem-21442	83	2	construction	construction	NOUN
fbem-21442	83	3	3.2.1	3.2.1	NUM
fbem-21442	83	4	.	.	PUNCT
fbem-21442	84	1	reference	reference	NOUN
fbem-21442	84	2	regression	regression	NOUN
fbem-21442	84	3	model	model	NOUN
fbem-21442	84	4	𝐶𝑜𝑛𝑠𝑢𝑚𝑒	𝐶𝑜𝑛𝑠𝑢𝑚𝑒	PROPN
fbem-21442	84	5	𝛼	𝛼	PROPN
fbem-21442	84	6	𝛼	𝛼	NOUN
fbem-21442	84	7	𝐼𝑛𝑑𝑒𝑥	𝐼𝑛𝑑𝑒𝑥	PROPN
fbem-21442	84	8	𝛼	𝛼	PROPN
fbem-21442	84	9	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	PROPN
fbem-21442	84	10	𝛿	𝛿	PROPN
fbem-21442	84	11	𝜇	𝜇	ADP
fbem-21442	84	12	𝜀	𝜀	X
fbem-21442	84	13	(	(	PUNCT
fbem-21442	84	14	1	1	NUM
fbem-21442	84	15	)	)	PUNCT
fbem-21442	84	16	where	where	SCONJ
fbem-21442	84	17	,	,	PUNCT
fbem-21442	84	18	t	t	PROPN
fbem-21442	84	19	and	and	CCONJ
fbem-21442	84	20	i	i	PRON
fbem-21442	84	21	indicate	indicate	VERB
fbem-21442	84	22	year	year	NOUN
fbem-21442	84	23	and	and	CCONJ
fbem-21442	84	24	city	city	NOUN
fbem-21442	84	25	respectively	respectively	ADV
fbem-21442	84	26	;	;	PUNCT
fbem-21442	84	27	consume	consume	PROPN
fbem-21442	84	28	indicates	indicate	VERB
fbem-21442	84	29	household	household	NOUN
fbem-21442	84	30	consumption	consumption	NOUN
fbem-21442	84	31	level	level	NOUN
fbem-21442	84	32	.	.	PUNCT
fbem-21442	85	1	index	index	NOUN
fbem-21442	85	2	stands	stand	VERB
fbem-21442	85	3	for	for	ADP
fbem-21442	85	4	digital	digital	ADJ
fbem-21442	85	5	financial	financial	ADJ
fbem-21442	85	6	inclusion	inclusion	NOUN
fbem-21442	85	7	index	index	NOUN
fbem-21442	85	8	;	;	PUNCT
fbem-21442	85	9	control	control	NOUN
fbem-21442	85	10	indicates	indicate	VERB
fbem-21442	85	11	the	the	DET
fbem-21442	85	12	control	control	NOUN
fbem-21442	85	13	variable	variable	NOUN
fbem-21442	85	14	.	.	PUNCT
fbem-21442	86	1	ε	ε	PROPN
fbem-21442	86	2	is	be	AUX
fbem-21442	86	3	the	the	DET
fbem-21442	86	4	random	random	ADJ
fbem-21442	86	5	disturbance	disturbance	NOUN
fbem-21442	86	6	term	term	NOUN
fbem-21442	86	7	;	;	PUNCT
fbem-21442	86	8	δ	δ	PROPN
fbem-21442	86	9	and	and	CCONJ
fbem-21442	86	10	μ	μ	PROPN
fbem-21442	86	11	represent	represent	VERB
fbem-21442	86	12	province	province	NOUN
fbem-21442	86	13	and	and	CCONJ
fbem-21442	86	14	time	time	NOUN
fbem-21442	86	15	fixed	fix	VERB
fbem-21442	86	16	effects	effect	NOUN
fbem-21442	86	17	,	,	PUNCT
fbem-21442	86	18	respectively	respectively	ADV
fbem-21442	86	19	.	.	PUNCT
fbem-21442	87	1	3.2.2	3.2.2	NUM
fbem-21442	87	2	.	.	PUNCT
fbem-21442	87	3	mediation	mediation	NOUN
fbem-21442	87	4	mechanism	mechanism	NOUN
fbem-21442	87	5	test	test	NOUN
fbem-21442	87	6	with	with	ADP
fbem-21442	87	7	reference	reference	NOUN
fbem-21442	87	8	to	to	ADP
fbem-21442	87	9	the	the	DET
fbem-21442	87	10	practice	practice	NOUN
fbem-21442	87	11	of	of	ADP
fbem-21442	87	12	wen	wen	PROPN
fbem-21442	87	13	zhonglin	zhonglin	PROPN
fbem-21442	87	14	and	and	CCONJ
fbem-21442	87	15	ye	ye	PROPN
fbem-21442	87	16	baojuan	baojuan	PROPN
fbem-21442	87	17	(	(	PUNCT
fbem-21442	87	18	2014	2014	NUM
fbem-21442	87	19	)	)	PUNCT
fbem-21442	88	1	[	[	X
fbem-21442	88	2	22	22	NUM
fbem-21442	88	3	]	]	PUNCT
fbem-21442	88	4	and	and	CCONJ
fbem-21442	88	5	on	on	ADP
fbem-21442	88	6	the	the	DET
fbem-21442	88	7	basis	basis	NOUN
fbem-21442	88	8	of	of	ADP
fbem-21442	88	9	formula	formula	NOUN
fbem-21442	88	10	(	(	PUNCT
fbem-21442	88	11	1	1	NUM
fbem-21442	88	12	)	)	PUNCT
fbem-21442	88	13	,	,	PUNCT
fbem-21442	88	14	this	this	DET
fbem-21442	88	15	paper	paper	NOUN
fbem-21442	88	16	uses	use	VERB
fbem-21442	88	17	stepby	stepby	ADJ
fbem-21442	88	18	-	-	PUNCT
fbem-21442	88	19	step	step	NOUN
fbem-21442	88	20	regression	regression	NOUN
fbem-21442	88	21	method	method	NOUN
fbem-21442	88	22	to	to	PART
fbem-21442	88	23	build	build	VERB
fbem-21442	88	24	an	an	DET
fbem-21442	88	25	intermediary	intermediary	ADJ
fbem-21442	88	26	effect	effect	NOUN
fbem-21442	88	27	model	model	NOUN
fbem-21442	88	28	,	,	PUNCT
fbem-21442	88	29	and	and	CCONJ
fbem-21442	88	30	takes	take	VERB
fbem-21442	88	31	resident	resident	ADJ
fbem-21442	88	32	income	income	NOUN
fbem-21442	88	33	(	(	PUNCT
fbem-21442	88	34	ri	ri	NOUN
fbem-21442	88	35	)	)	PUNCT
fbem-21442	88	36	,	,	PUNCT
fbem-21442	88	37	digital	digital	ADJ
fbem-21442	88	38	insurance	insurance	NOUN
fbem-21442	88	39	(	(	PUNCT
fbem-21442	88	40	ei	ei	NOUN
fbem-21442	88	41	)	)	PUNCT
fbem-21442	88	42	and	and	CCONJ
fbem-21442	88	43	consumer	consumer	NOUN
fbem-21442	88	44	credit	credit	NOUN
fbem-21442	88	45	(	(	PUNCT
fbem-21442	88	46	loan	loan	NOUN
fbem-21442	88	47	)	)	PUNCT
fbem-21442	88	48	as	as	ADP
fbem-21442	88	49	intermediary	intermediary	ADJ
fbem-21442	88	50	variables	variable	NOUN
fbem-21442	88	51	,	,	PUNCT
fbem-21442	88	52	respectively	respectively	ADV
fbem-21442	88	53	,	,	PUNCT
fbem-21442	88	54	to	to	PART
fbem-21442	88	55	study	study	VERB
fbem-21442	88	56	the	the	DET
fbem-21442	88	57	impact	impact	NOUN
fbem-21442	88	58	mechanism	mechanism	NOUN
fbem-21442	88	59	of	of	ADP
fbem-21442	88	60	digital	digital	ADJ
fbem-21442	88	61	inclusive	inclusive	ADJ
fbem-21442	88	62	finance	finance	NOUN
fbem-21442	88	63	on	on	ADP
fbem-21442	88	64	resident	resident	ADJ
fbem-21442	88	65	consumption	consumption	NOUN
fbem-21442	88	66	.	.	PUNCT
fbem-21442	89	1	the	the	DET
fbem-21442	89	2	following	follow	VERB
fbem-21442	89	3	model	model	NOUN
fbem-21442	89	4	is	be	AUX
fbem-21442	89	5	set	set	VERB
fbem-21442	89	6	up	up	ADP
fbem-21442	89	7	to	to	PART
fbem-21442	89	8	test	test	VERB
fbem-21442	89	9	the	the	DET
fbem-21442	89	10	mediation	mediation	NOUN
fbem-21442	89	11	mechanism	mechanism	NOUN
fbem-21442	89	12	:	:	PUNCT
fbem-21442	89	13	𝐶𝑜𝑛𝑠𝑢𝑚𝑒	𝐶𝑜𝑛𝑠𝑢𝑚𝑒	PROPN
fbem-21442	89	14	𝛾	𝛾	NOUN
fbem-21442	89	15	𝛾	𝛾	ADP
fbem-21442	89	16	𝐼𝑛𝑑𝑒𝑥	𝐼𝑛𝑑𝑒𝑥	PROPN
fbem-21442	89	17	𝛾	𝛾	PROPN
fbem-21442	89	18	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	PROPN
fbem-21442	89	19	𝛿	𝛿	ADJ
fbem-21442	89	20	𝜇	𝜇	ADP
fbem-21442	89	21	𝜀	𝜀	X
fbem-21442	89	22	(	(	PUNCT
fbem-21442	89	23	2	2	NUM
fbem-21442	89	24	)	)	PUNCT
fbem-21442	89	25	𝑀	𝑀	PROPN
fbem-21442	89	26	𝛽	𝛽	PROPN
fbem-21442	89	27	𝛽	𝛽	PROPN
fbem-21442	89	28	𝐼𝑛𝑑𝑒𝑥	𝐼𝑛𝑑𝑒𝑥	PROPN
fbem-21442	89	29	𝛽	𝛽	PROPN
fbem-21442	89	30	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	PROPN
fbem-21442	89	31	𝛿	𝛿	PROPN
fbem-21442	89	32	𝜇	𝜇	ADP
fbem-21442	89	33	𝜀	𝜀	X
fbem-21442	89	34	(	(	PUNCT
fbem-21442	89	35	3	3	NUM
fbem-21442	89	36	)	)	PUNCT
fbem-21442	89	37	𝐶𝑜𝑛𝑠𝑢𝑚𝑒	𝐶𝑜𝑛𝑠𝑢𝑚𝑒	PROPN
fbem-21442	89	38	𝜃	𝜃	NOUN
fbem-21442	89	39	𝜃	𝜃	NUM
fbem-21442	89	40	𝐼𝑛𝑑𝑒𝑥	𝐼𝑛𝑑𝑒𝑥	PROPN
fbem-21442	89	41	𝜃	𝜃	PROPN
fbem-21442	90	1	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	𝐶𝑜𝑛𝑡𝑟𝑜𝑙	PROPN
fbem-21442	90	2	𝜃	𝜃	NUM
fbem-21442	90	3	𝑀	𝑀	PROPN
fbem-21442	90	4	𝛿	𝛿	ADJ
fbem-21442	90	5	𝜇	𝜇	ADP
fbem-21442	90	6	𝜀	𝜀	X
fbem-21442	90	7	(	(	PUNCT
fbem-21442	90	8	4	4	NUM
fbem-21442	90	9	)	)	PUNCT
fbem-21442	90	10	where	where	SCONJ
fbem-21442	90	11	,	,	PUNCT
fbem-21442	90	12	𝑀	𝑀	PROPN
fbem-21442	90	13	is	be	AUX
fbem-21442	90	14	the	the	DET
fbem-21442	90	15	intermediary	intermediary	ADJ
fbem-21442	90	16	variable	variable	NOUN
fbem-21442	90	17	,	,	PUNCT
fbem-21442	90	18	and	and	CCONJ
fbem-21442	90	19	other	other	ADJ
fbem-21442	90	20	variables	variable	NOUN
fbem-21442	90	21	are	be	AUX
fbem-21442	90	22	the	the	DET
fbem-21442	90	23	same	same	ADJ
fbem-21442	90	24	as	as	ADP
fbem-21442	90	25	formula	formula	NOUN
fbem-21442	90	26	(	(	PUNCT
fbem-21442	90	27	1	1	NUM
fbem-21442	90	28	)	)	PUNCT
fbem-21442	90	29	.	.	PUNCT
fbem-21442	91	1	4	4	X
fbem-21442	91	2	.	.	X
fbem-21442	91	3	empirical	empirical	ADJ
fbem-21442	91	4	test	test	NOUN
fbem-21442	91	5	and	and	CCONJ
fbem-21442	91	6	result	result	VERB
fbem-21442	91	7	analysis	analysis	NOUN
fbem-21442	91	8	4.1	4.1	NUM
fbem-21442	91	9	.	.	PUNCT
fbem-21442	92	1	benchmark	benchmark	NOUN
fbem-21442	92	2	regression	regression	NOUN
fbem-21442	92	3	analysis	analysis	NOUN
fbem-21442	92	4	this	this	DET
fbem-21442	92	5	paper	paper	NOUN
fbem-21442	92	6	selects	select	VERB
fbem-21442	92	7	the	the	DET
fbem-21442	92	8	fixed	fixed	ADJ
fbem-21442	92	9	effect	effect	NOUN
fbem-21442	92	10	model	model	NOUN
fbem-21442	92	11	for	for	ADP
fbem-21442	92	12	benchmark	benchmark	NOUN
fbem-21442	92	13	regression	regression	NOUN
fbem-21442	92	14	,	,	PUNCT
fbem-21442	92	15	and	and	CCONJ
fbem-21442	92	16	table	table	NOUN
fbem-21442	92	17	2	2	NUM
fbem-21442	92	18	shows	show	VERB
fbem-21442	92	19	the	the	DET
fbem-21442	92	20	benchmark	benchmark	NOUN
fbem-21442	92	21	regression	regression	NOUN
fbem-21442	92	22	results	result	NOUN
fbem-21442	92	23	,	,	PUNCT
fbem-21442	92	24	among	among	ADP
fbem-21442	92	25	which	which	PRON
fbem-21442	92	26	the	the	DET
fbem-21442	92	27	results	result	NOUN
fbem-21442	92	28	in	in	ADP
fbem-21442	92	29	column	column	NOUN
fbem-21442	92	30	(	(	PUNCT
fbem-21442	92	31	1	1	X
fbem-21442	92	32	)	)	PUNCT
fbem-21442	92	33	show	show	VERB
fbem-21442	92	34	that	that	SCONJ
fbem-21442	92	35	digital	digital	ADJ
fbem-21442	92	36	inclusive	inclusive	ADJ
fbem-21442	92	37	finance	finance	NOUN
fbem-21442	92	38	has	have	AUX
fbem-21442	92	39	significantly	significantly	ADV
fbem-21442	92	40	promoted	promote	VERB
fbem-21442	92	41	the	the	DET
fbem-21442	92	42	level	level	NOUN
fbem-21442	92	43	of	of	ADP
fbem-21442	92	44	household	household	NOUN
fbem-21442	92	45	consumption	consumption	NOUN
fbem-21442	92	46	.	.	PUNCT
fbem-21442	93	1	the	the	DET
fbem-21442	93	2	subsequent	subsequent	ADJ
fbem-21442	93	3	columns	column	NOUN
fbem-21442	93	4	(	(	PUNCT
fbem-21442	93	5	2	2	NUM
fbem-21442	93	6	)	)	PUNCT
fbem-21442	93	7	(	(	PUNCT
fbem-21442	93	8	10	10	NUM
fbem-21442	93	9	)	)	PUNCT
fbem-21442	93	10	are	be	AUX
fbem-21442	93	11	the	the	DET
fbem-21442	93	12	regression	regression	NOUN
fbem-21442	93	13	results	result	NOUN
fbem-21442	93	14	after	after	SCONJ
fbem-21442	93	15	the	the	DET
fbem-21442	93	16	control	control	NOUN
fbem-21442	93	17	variables	variable	NOUN
fbem-21442	93	18	are	be	AUX
fbem-21442	93	19	gradually	gradually	ADV
fbem-21442	93	20	added	add	VERB
fbem-21442	93	21	.	.	PUNCT
fbem-21442	94	1	the	the	DET
fbem-21442	94	2	regression	regression	NOUN
fbem-21442	94	3	coefficient	coefficient	NOUN
fbem-21442	94	4	changes	change	VERB
fbem-21442	94	5	from	from	ADP
fbem-21442	94	6	1.113	1.113	NUM
fbem-21442	94	7	in	in	ADP
fbem-21442	94	8	column	column	NOUN
fbem-21442	94	9	(	(	PUNCT
fbem-21442	94	10	1	1	NUM
fbem-21442	94	11	)	)	PUNCT
fbem-21442	94	12	to	to	ADP
fbem-21442	94	13	0.881	0.881	NUM
fbem-21442	94	14	in	in	ADP
fbem-21442	94	15	column	column	NOUN
fbem-21442	94	16	(	(	PUNCT
fbem-21442	94	17	10	10	NUM
fbem-21442	94	18	)	)	PUNCT
fbem-21442	94	19	,	,	PUNCT
fbem-21442	94	20	and	and	CCONJ
fbem-21442	94	21	both	both	PRON
fbem-21442	94	22	show	show	VERB
fbem-21442	94	23	a	a	DET
fbem-21442	94	24	significant	significant	ADJ
fbem-21442	94	25	promoting	promote	VERB
fbem-21442	94	26	effect	effect	NOUN
fbem-21442	94	27	at	at	ADP
fbem-21442	94	28	the	the	DET
fbem-21442	94	29	level	level	NOUN
fbem-21442	94	30	of	of	ADP
fbem-21442	94	31	1	1	NUM
fbem-21442	94	32	%	%	NOUN
fbem-21442	94	33	,	,	PUNCT
fbem-21442	94	34	which	which	PRON
fbem-21442	94	35	means	mean	VERB
fbem-21442	94	36	that	that	SCONJ
fbem-21442	94	37	the	the	PRON
fbem-21442	94	38	higher	high	ADJ
fbem-21442	94	39	the	the	DET
fbem-21442	94	40	digital	digital	ADJ
fbem-21442	94	41	inclusive	inclusive	ADJ
fbem-21442	94	42	financial	financial	ADJ
fbem-21442	94	43	index	index	NOUN
fbem-21442	94	44	is	be	AUX
fbem-21442	94	45	,	,	PUNCT
fbem-21442	94	46	the	the	PRON
fbem-21442	94	47	higher	high	ADJ
fbem-21442	94	48	the	the	DET
fbem-21442	94	49	household	household	NOUN
fbem-21442	94	50	consumption	consumption	NOUN
fbem-21442	94	51	level	level	NOUN
fbem-21442	94	52	is	be	AUX
fbem-21442	94	53	.	.	PUNCT
fbem-21442	95	1	the	the	DET
fbem-21442	95	2	reason	reason	NOUN
fbem-21442	95	3	for	for	ADP
fbem-21442	95	4	this	this	PRON
fbem-21442	95	5	is	be	AUX
fbem-21442	95	6	that	that	PRON
fbem-21442	95	7	digital	digital	ADJ
fbem-21442	95	8	inclusive	inclusive	ADJ
fbem-21442	95	9	finance	finance	NOUN
fbem-21442	95	10	originates	originate	NOUN
fbem-21442	95	11	from	from	ADP
fbem-21442	95	12	microfinance	microfinance	NOUN
fbem-21442	95	13	.	.	PUNCT
fbem-21442	96	1	at	at	ADP
fbem-21442	96	2	the	the	DET
fbem-21442	96	3	same	same	ADJ
fbem-21442	96	4	time	time	NOUN
fbem-21442	96	5	,	,	PUNCT
fbem-21442	96	6	it	it	PRON
fbem-21442	96	7	can	can	AUX
fbem-21442	96	8	also	also	ADV
fbem-21442	96	9	reach	reach	VERB
fbem-21442	96	10	groups	group	NOUN
fbem-21442	96	11	that	that	PRON
fbem-21442	96	12	can	can	AUX
fbem-21442	96	13	not	not	PART
fbem-21442	96	14	be	be	AUX
fbem-21442	96	15	reached	reach	VERB
fbem-21442	96	16	by	by	ADP
fbem-21442	96	17	traditional	traditional	ADJ
fbem-21442	96	18	financial	financial	ADJ
fbem-21442	96	19	methods	method	NOUN
fbem-21442	96	20	,	,	PUNCT
fbem-21442	96	21	such	such	ADJ
fbem-21442	96	22	as	as	ADP
fbem-21442	96	23	rural	rural	ADJ
fbem-21442	96	24	residents	resident	NOUN
fbem-21442	96	25	and	and	CCONJ
fbem-21442	96	26	small	small	ADJ
fbem-21442	96	27	and	and	CCONJ
fbem-21442	96	28	micro	micro	ADJ
fbem-21442	96	29	enterprises	enterprise	NOUN
fbem-21442	96	30	,	,	PUNCT
fbem-21442	96	31	so	so	SCONJ
fbem-21442	96	32	as	as	SCONJ
fbem-21442	96	33	to	to	PART
fbem-21442	96	34	expand	expand	VERB
fbem-21442	96	35	the	the	DET
fbem-21442	96	36	service	service	NOUN
fbem-21442	96	37	scope	scope	NOUN
fbem-21442	96	38	,	,	PUNCT
fbem-21442	96	39	gradually	gradually	ADV
fbem-21442	96	40	form	form	VERB
fbem-21442	96	41	a	a	DET
fbem-21442	96	42	situation	situation	NOUN
fbem-21442	96	43	of	of	ADP
fbem-21442	96	44	healthy	healthy	ADJ
fbem-21442	96	45	competition	competition	NOUN
fbem-21442	96	46	between	between	ADP
fbem-21442	96	47	traditional	traditional	ADJ
fbem-21442	96	48	finance	finance	NOUN
fbem-21442	96	49	and	and	CCONJ
fbem-21442	96	50	digital	digital	ADJ
fbem-21442	96	51	finance	finance	NOUN
fbem-21442	96	52	,	,	PUNCT
fbem-21442	96	53	and	and	CCONJ
fbem-21442	96	54	stimulate	stimulate	VERB
fbem-21442	96	55	the	the	DET
fbem-21442	96	56	self	self	NOUN
fbem-21442	96	57	-	-	PUNCT
fbem-21442	96	58	improvement	improvement	NOUN
fbem-21442	96	59	and	and	CCONJ
fbem-21442	96	60	improvement	improvement	NOUN
fbem-21442	96	61	of	of	ADP
fbem-21442	96	62	market	market	NOUN
fbem-21442	96	63	regulation	regulation	NOUN
fbem-21442	96	64	ability	ability	NOUN
fbem-21442	96	65	.	.	PUNCT
fbem-21442	97	1	the	the	DET
fbem-21442	97	2	emergence	emergence	NOUN
fbem-21442	97	3	of	of	ADP
fbem-21442	97	4	digital	digital	ADJ
fbem-21442	97	5	inclusive	inclusive	ADJ
fbem-21442	97	6	finance	finance	NOUN
fbem-21442	97	7	enables	enable	VERB
fbem-21442	97	8	people	people	NOUN
fbem-21442	97	9	to	to	PART
fbem-21442	97	10	obtain	obtain	VERB
fbem-21442	97	11	the	the	DET
fbem-21442	97	12	financial	financial	ADJ
fbem-21442	97	13	support	support	NOUN
fbem-21442	97	14	they	they	PRON
fbem-21442	97	15	need	need	VERB
fbem-21442	97	16	at	at	ADP
fbem-21442	97	17	a	a	DET
fbem-21442	97	18	lower	low	ADJ
fbem-21442	97	19	price	price	NOUN
fbem-21442	97	20	,	,	PUNCT
fbem-21442	97	21	thus	thus	ADV
fbem-21442	97	22	generating	generate	VERB
fbem-21442	97	23	more	more	ADJ
fbem-21442	97	24	consumption	consumption	NOUN
fbem-21442	97	25	power	power	NOUN
fbem-21442	97	26	.	.	PUNCT
fbem-21442	98	1	the	the	DET
fbem-21442	98	2	goal	goal	NOUN
fbem-21442	98	3	of	of	ADP
fbem-21442	98	4	providing	provide	VERB
fbem-21442	98	5	financial	financial	ADJ
fbem-21442	98	6	services	service	NOUN
fbem-21442	98	7	to	to	ADP
fbem-21442	98	8	vulnerable	vulnerable	ADJ
fbem-21442	98	9	groups	group	NOUN
fbem-21442	98	10	at	at	ADP
fbem-21442	98	11	an	an	DET
fbem-21442	98	12	affordable	affordable	ADJ
fbem-21442	98	13	cost	cost	NOUN
fbem-21442	98	14	is	be	AUX
fbem-21442	98	15	being	be	AUX
fbem-21442	98	16	gradually	gradually	ADV
fbem-21442	98	17	achieved	achieve	VERB
fbem-21442	98	18	,	,	PUNCT
fbem-21442	98	19	which	which	PRON
fbem-21442	98	20	provides	provide	VERB
fbem-21442	98	21	a	a	DET
fbem-21442	98	22	solid	solid	ADJ
fbem-21442	98	23	backing	backing	NOUN
fbem-21442	98	24	for	for	ADP
fbem-21442	98	25	improving	improve	VERB
fbem-21442	98	26	residents	resident	NOUN
fbem-21442	98	27	'	'	PART
fbem-21442	98	28	consumption	consumption	NOUN
fbem-21442	98	29	power	power	NOUN
fbem-21442	98	30	.	.	PUNCT
fbem-21442	99	1	to	to	PART
fbem-21442	99	2	sum	sum	VERB
fbem-21442	99	3	up	up	ADP
fbem-21442	99	4	,	,	PUNCT
fbem-21442	99	5	digital	digital	ADJ
fbem-21442	99	6	inclusive	inclusive	ADJ
fbem-21442	99	7	finance	finance	NOUN
fbem-21442	99	8	promotes	promote	VERB
fbem-21442	99	9	the	the	DET
fbem-21442	99	10	improvement	improvement	NOUN
fbem-21442	99	11	of	of	ADP
fbem-21442	99	12	residents	resident	NOUN
fbem-21442	99	13	'	'	PART
fbem-21442	99	14	consumption	consumption	NOUN
fbem-21442	99	15	level	level	NOUN
fbem-21442	99	16	,	,	PUNCT
fbem-21442	99	17	and	and	CCONJ
fbem-21442	99	18	hypothesis	hypothesis	NOUN
fbem-21442	99	19	1	1	NUM
fbem-21442	99	20	is	be	AUX
fbem-21442	99	21	established	establish	VERB
fbem-21442	99	22	.	.	PUNCT
fbem-21442	100	1	256	256	NUM
fbem-21442	100	2	table	table	NOUN
fbem-21442	100	3	2	2	NUM
fbem-21442	100	4	.	.	PUNCT
fbem-21442	100	5	benchmark	benchmark	NOUN
fbem-21442	100	6	regression	regression	NOUN
fbem-21442	100	7	results	result	NOUN
fbem-21442	100	8	(	(	PUNCT
fbem-21442	100	9	1	1	NUM
fbem-21442	100	10	)	)	PUNCT
fbem-21442	100	11	(	(	PUNCT
fbem-21442	100	12	2	2	NUM
fbem-21442	100	13	)	)	PUNCT
fbem-21442	100	14	(	(	PUNCT
fbem-21442	100	15	3	3	X
fbem-21442	100	16	)	)	PUNCT
fbem-21442	100	17	(	(	PUNCT
fbem-21442	100	18	4	4	NUM
fbem-21442	100	19	)	)	PUNCT
fbem-21442	100	20	(	(	PUNCT
fbem-21442	100	21	5	5	NUM
fbem-21442	100	22	)	)	PUNCT
fbem-21442	100	23	(	(	PUNCT
fbem-21442	100	24	6	6	NUM
fbem-21442	100	25	)	)	PUNCT
fbem-21442	100	26	(	(	PUNCT
fbem-21442	100	27	7	7	NUM
fbem-21442	100	28	)	)	PUNCT
fbem-21442	100	29	(	(	PUNCT
fbem-21442	100	30	8)	8)	NUM
fbem-21442	100	31	(	(	PUNCT
fbem-21442	100	32	9	9	NUM
fbem-21442	100	33	)	)	PUNCT
fbem-21442	100	34	(	(	PUNCT
fbem-21442	100	35	10	10	NUM
fbem-21442	100	36	)	)	PUNCT
fbem-21442	100	37	consume	consume	AUX
fbem-21442	100	38	consume	consume	PROPN
fbem-21442	100	39	consume	consume	PROPN
fbem-21442	100	40	consume	consume	PROPN
fbem-21442	100	41	consume	consume	PROPN
fbem-21442	100	42	consume	consume	PROPN
fbem-21442	100	43	consume	consume	PROPN
fbem-21442	100	44	consume	consume	PROPN
fbem-21442	100	45	consume	consume	PROPN
fbem-21442	100	46	consume	consume	PROPN
fbem-21442	100	47	index	index	NOUN
fbem-21442	100	48	1.113	1.113	NUM
fbem-21442	100	49	*	*	PUNCT
fbem-21442	100	50	*	*	PUNCT
fbem-21442	100	51	*	*	PUNCT
fbem-21442	100	52	0.957	0.957	NUM
fbem-21442	100	53	*	*	PUNCT
fbem-21442	100	54	*	*	PUNCT
fbem-21442	100	55	*	*	PUNCT
fbem-21442	100	56	0.923	0.923	NUM
fbem-21442	100	57	*	*	PUNCT
fbem-21442	100	58	*	*	PUNCT
fbem-21442	100	59	*	*	PUNCT
fbem-21442	100	60	0.923	0.923	NUM
fbem-21442	100	61	*	*	PUNCT
fbem-21442	100	62	*	*	PUNCT
fbem-21442	100	63	*	*	PUNCT
fbem-21442	100	64	0.921	0.921	NUM
fbem-21442	100	65	*	*	PUNCT
fbem-21442	100	66	*	*	PUNCT
fbem-21442	100	67	*	*	NOUN
fbem-21442	100	68	0.945	0.945	NUM
fbem-21442	100	69	*	*	PUNCT
fbem-21442	100	70	*	*	PUNCT
fbem-21442	100	71	*	*	PUNCT
fbem-21442	100	72	0.913	0.913	NUM
fbem-21442	100	73	*	*	PUNCT
fbem-21442	100	74	*	*	PUNCT
fbem-21442	100	75	*	*	PUNCT
fbem-21442	100	76	0.910	0.910	NUM
fbem-21442	100	77	*	*	PUNCT
fbem-21442	100	78	*	*	PUNCT
fbem-21442	100	79	*	*	PUNCT
fbem-21442	100	80	0.909	0.909	NUM
fbem-21442	100	81	*	*	PUNCT
fbem-21442	100	82	*	*	PUNCT
fbem-21442	100	83	*	*	PUNCT
fbem-21442	100	84	0.881	0.881	NUM
fbem-21442	100	85	*	*	PUNCT
fbem-21442	100	86	*	*	PUNCT
fbem-21442	100	87	*	*	PUNCT
fbem-21442	100	88	(	(	PUNCT
fbem-21442	100	89	0.020	0.020	NUM
fbem-21442	100	90	)	)	PUNCT
fbem-21442	100	91	(	(	PUNCT
fbem-21442	100	92	0.031	0.031	NUM
fbem-21442	100	93	)	)	PUNCT
fbem-21442	100	94	(	(	PUNCT
fbem-21442	100	95	0.033	0.033	NUM
fbem-21442	100	96	)	)	PUNCT
fbem-21442	100	97	(	(	PUNCT
fbem-21442	100	98	0.034	0.034	NUM
fbem-21442	100	99	)	)	PUNCT
fbem-21442	100	100	(	(	PUNCT
fbem-21442	100	101	0.033	0.033	NUM
fbem-21442	100	102	)	)	PUNCT
fbem-21442	100	103	(	(	PUNCT
fbem-21442	100	104	0.037	0.037	NUM
fbem-21442	100	105	)	)	PUNCT
fbem-21442	100	106	(	(	PUNCT
fbem-21442	100	107	0.044	0.044	NUM
fbem-21442	100	108	)	)	PUNCT
fbem-21442	100	109	(	(	PUNCT
fbem-21442	100	110	0.044	0.044	NUM
fbem-21442	100	111	)	)	PUNCT
fbem-21442	100	112	(	(	PUNCT
fbem-21442	100	113	0.044	0.044	NUM
fbem-21442	100	114	)	)	PUNCT
fbem-21442	100	115	(	(	PUNCT
fbem-21442	100	116	0.042	0.042	NUM
fbem-21442	100	117	)	)	PUNCT
fbem-21442	100	118	income	income	NOUN
fbem-21442	100	119	-0.322	-0.322	PUNCT
fbem-21442	100	120	*	*	PUNCT
fbem-21442	100	121	*	*	PUNCT
fbem-21442	100	122	*	*	PUNCT
fbem-21442	100	123	-0.320	-0.320	NOUN
fbem-21442	100	124	*	*	NOUN
fbem-21442	100	125	*	*	PUNCT
fbem-21442	100	126	*	*	PUNCT
fbem-21442	100	127	-0.320	-0.320	NOUN
fbem-21442	100	128	*	*	NOUN
fbem-21442	100	129	*	*	PUNCT
fbem-21442	100	130	*	*	PUNCT
fbem-21442	100	131	-0.323	-0.323	PUNCT
fbem-21442	100	132	*	*	PUNCT
fbem-21442	100	133	*	*	PUNCT
fbem-21442	100	134	*	*	PUNCT
fbem-21442	100	135	-0.321	-0.321	PROPN
fbem-21442	100	136	*	*	PUNCT
fbem-21442	100	137	*	*	PUNCT
fbem-21442	100	138	*	*	PUNCT
fbem-21442	101	1	-0.324	-0.324	PUNCT
fbem-21442	101	2	*	*	PUNCT
fbem-21442	101	3	*	*	PUNCT
fbem-21442	101	4	*	*	PUNCT
fbem-21442	102	1	-0.316	-0.316	PUNCT
fbem-21442	102	2	*	*	PUNCT
fbem-21442	102	3	*	*	PUNCT
fbem-21442	102	4	*	*	PUNCT
fbem-21442	103	1	-0.313	-0.313	PUNCT
fbem-21442	103	2	*	*	PUNCT
fbem-21442	103	3	*	*	PUNCT
fbem-21442	103	4	*	*	PUNCT
fbem-21442	103	5	-0.318	-0.318	PUNCT
fbem-21442	103	6	*	*	PUNCT
fbem-21442	103	7	*	*	PUNCT
fbem-21442	103	8	*	*	PUNCT
fbem-21442	103	9	(	(	PUNCT
fbem-21442	103	10	0.050	0.050	NUM
fbem-21442	103	11	)	)	PUNCT
fbem-21442	103	12	(	(	PUNCT
fbem-21442	103	13	0.051	0.051	NUM
fbem-21442	103	14	)	)	PUNCT
fbem-21442	103	15	(	(	PUNCT
fbem-21442	103	16	0.053	0.053	NUM
fbem-21442	103	17	)	)	PUNCT
fbem-21442	103	18	(	(	PUNCT
fbem-21442	103	19	0.052	0.052	NUM
fbem-21442	103	20	)	)	PUNCT
fbem-21442	103	21	(	(	PUNCT
fbem-21442	103	22	0.052	0.052	NUM
fbem-21442	103	23	)	)	PUNCT
fbem-21442	103	24	(	(	PUNCT
fbem-21442	103	25	0.053	0.053	NUM
fbem-21442	103	26	)	)	PUNCT
fbem-21442	103	27	(	(	PUNCT
fbem-21442	103	28	0.055	0.055	NUM
fbem-21442	103	29	)	)	PUNCT
fbem-21442	103	30	(	(	PUNCT
fbem-21442	103	31	0.055	0.055	NUM
fbem-21442	103	32	)	)	PUNCT
fbem-21442	103	33	(	(	PUNCT
fbem-21442	103	34	0.055	0.055	NUM
fbem-21442	103	35	)	)	PUNCT
fbem-21442	103	36	ur	ur	NOUN
fbem-21442	103	37	0.002	0.002	NUM
fbem-21442	103	38	*	*	PUNCT
fbem-21442	103	39	*	*	PUNCT
fbem-21442	103	40	*	*	PUNCT
fbem-21442	103	41	0.002	0.002	NUM
fbem-21442	103	42	*	*	PUNCT
fbem-21442	103	43	*	*	PUNCT
fbem-21442	103	44	*	*	PUNCT
fbem-21442	103	45	0.002	0.002	NUM
fbem-21442	103	46	*	*	PUNCT
fbem-21442	103	47	*	*	PUNCT
fbem-21442	103	48	*	*	PUNCT
fbem-21442	103	49	0.002	0.002	NUM
fbem-21442	103	50	*	*	PUNCT
fbem-21442	103	51	*	*	PUNCT
fbem-21442	103	52	*	*	PUNCT
fbem-21442	103	53	0.001	0.001	NUM
fbem-21442	103	54	*	*	NOUN
fbem-21442	103	55	*	*	NOUN
fbem-21442	103	56	0.001	0.001	NUM
fbem-21442	103	57	*	*	NOUN
fbem-21442	103	58	*	*	NOUN
fbem-21442	103	59	0.001	0.001	NUM
fbem-21442	103	60	*	*	NOUN
fbem-21442	103	61	*	*	NOUN
fbem-21442	103	62	0.001	0.001	NUM
fbem-21442	103	63	*	*	NOUN
fbem-21442	103	64	*	*	PUNCT
fbem-21442	103	65	(	(	PUNCT
fbem-21442	103	66	0.001	0.001	NUM
fbem-21442	103	67	)	)	PUNCT
fbem-21442	103	68	(	(	PUNCT
fbem-21442	103	69	0.001	0.001	NUM
fbem-21442	103	70	)	)	PUNCT
fbem-21442	103	71	(	(	PUNCT
fbem-21442	103	72	0.001	0.001	NUM
fbem-21442	103	73	)	)	PUNCT
fbem-21442	103	74	(	(	PUNCT
fbem-21442	103	75	0.001	0.001	NUM
fbem-21442	103	76	)	)	PUNCT
fbem-21442	103	77	(	(	PUNCT
fbem-21442	103	78	0.001	0.001	NUM
fbem-21442	103	79	)	)	PUNCT
fbem-21442	103	80	(	(	PUNCT
fbem-21442	103	81	0.001	0.001	NUM
fbem-21442	103	82	)	)	PUNCT
fbem-21442	103	83	(	(	PUNCT
fbem-21442	103	84	0.001	0.001	NUM
fbem-21442	103	85	)	)	PUNCT
fbem-21442	103	86	(	(	PUNCT
fbem-21442	103	87	0.001	0.001	NUM
fbem-21442	103	88	)	)	PUNCT
fbem-21442	103	89	fiscal	fiscal	ADJ
fbem-21442	103	90	0.000	0.000	NUM
fbem-21442	103	91	0.000	0.000	NUM
fbem-21442	103	92	-0.000	-0.000	PRON
fbem-21442	103	93	-0.000	-0.000	NUM
fbem-21442	103	94	-0.000	-0.000	NUM
fbem-21442	103	95	-0.000	-0.000	NUM
fbem-21442	103	96	-0.000	-0.000	PUNCT
fbem-21442	103	97	(	(	PUNCT
fbem-21442	103	98	0.001	0.001	NUM
fbem-21442	103	99	)	)	PUNCT
fbem-21442	103	100	(	(	PUNCT
fbem-21442	103	101	0.001	0.001	NUM
fbem-21442	103	102	)	)	PUNCT
fbem-21442	103	103	(	(	PUNCT
fbem-21442	103	104	0.001	0.001	NUM
fbem-21442	103	105	)	)	PUNCT
fbem-21442	103	106	(	(	PUNCT
fbem-21442	103	107	0.001	0.001	NUM
fbem-21442	103	108	)	)	PUNCT
fbem-21442	103	109	(	(	PUNCT
fbem-21442	103	110	0.001	0.001	NUM
fbem-21442	103	111	)	)	PUNCT
fbem-21442	103	112	(	(	PUNCT
fbem-21442	103	113	0.001	0.001	NUM
fbem-21442	103	114	)	)	PUNCT
fbem-21442	103	115	(	(	PUNCT
fbem-21442	103	116	0.001	0.001	NUM
fbem-21442	103	117	)	)	PUNCT
fbem-21442	103	118	unemp	unemp	NOUN
fbem-21442	103	119	-0.002	-0.002	PUNCT
fbem-21442	103	120	-0.002	-0.002	PUNCT
fbem-21442	103	121	-0.001	-0.001	PUNCT
fbem-21442	103	122	-0.001	-0.001	X
fbem-21442	103	123	-0.001	-0.001	PUNCT
fbem-21442	103	124	-0.001	-0.001	PUNCT
fbem-21442	103	125	(	(	PUNCT
fbem-21442	103	126	0.004	0.004	NUM
fbem-21442	103	127	)	)	PUNCT
fbem-21442	103	128	(	(	PUNCT
fbem-21442	103	129	0.004	0.004	NUM
fbem-21442	103	130	)	)	PUNCT
fbem-21442	103	131	(	(	PUNCT
fbem-21442	103	132	0.004	0.004	NUM
fbem-21442	103	133	)	)	PUNCT
fbem-21442	103	134	(	(	PUNCT
fbem-21442	103	135	0.004	0.004	NUM
fbem-21442	103	136	)	)	PUNCT
fbem-21442	103	137	(	(	PUNCT
fbem-21442	103	138	0.004	0.004	NUM
fbem-21442	103	139	)	)	PUNCT
fbem-21442	103	140	(	(	PUNCT
fbem-21442	103	141	0.004	0.004	NUM
fbem-21442	103	142	)	)	PUNCT
fbem-21442	103	143	eco	eco	NOUN
fbem-21442	103	144	-0.021	-0.021	PROPN
fbem-21442	103	145	-0.020	-0.020	PART
fbem-21442	103	146	-0.021	-0.021	NOUN
fbem-21442	103	147	-0.020	-0.020	VERB
fbem-21442	103	148	-0.019	-0.019	X
fbem-21442	103	149	(	(	PUNCT
fbem-21442	103	150	0.013	0.013	NUM
fbem-21442	103	151	)	)	PUNCT
fbem-21442	103	152	(	(	PUNCT
fbem-21442	103	153	0.013	0.013	NUM
fbem-21442	103	154	)	)	PUNCT
fbem-21442	103	155	(	(	PUNCT
fbem-21442	103	156	0.013	0.013	NUM
fbem-21442	103	157	)	)	PUNCT
fbem-21442	103	158	(	(	PUNCT
fbem-21442	103	159	0.013	0.013	NUM
fbem-21442	103	160	)	)	PUNCT
fbem-21442	103	161	(	(	PUNCT
fbem-21442	103	162	0.012	0.012	NUM
fbem-21442	103	163	)	)	PUNCT
fbem-21442	103	164	gov	gov	NOUN
fbem-21442	103	165	0.049	0.049	NUM
fbem-21442	103	166	*	*	SYM
fbem-21442	103	167	0.049	0.049	NUM
fbem-21442	103	168	*	*	NUM
fbem-21442	103	169	0.051	0.051	NUM
fbem-21442	103	170	*	*	PUNCT
fbem-21442	103	171	0.048	0.048	NUM
fbem-21442	103	172	*	*	PUNCT
fbem-21442	103	173	(	(	PUNCT
fbem-21442	103	174	0.026	0.026	NUM
fbem-21442	103	175	)	)	PUNCT
fbem-21442	103	176	(	(	PUNCT
fbem-21442	103	177	0.026	0.026	NUM
fbem-21442	103	178	)	)	PUNCT
fbem-21442	103	179	(	(	PUNCT
fbem-21442	103	180	0.026	0.026	NUM
fbem-21442	103	181	)	)	PUNCT
fbem-21442	103	182	(	(	PUNCT
fbem-21442	103	183	0.025	0.025	NUM
fbem-21442	103	184	)	)	PUNCT
fbem-21442	103	185	road	road	NOUN
fbem-21442	103	186	0.005	0.005	NUM
fbem-21442	103	187	0.005	0.005	NUM
fbem-21442	103	188	0.002	0.002	NUM
fbem-21442	103	189	(	(	PUNCT
fbem-21442	103	190	0.011	0.011	NUM
fbem-21442	103	191	)	)	PUNCT
fbem-21442	103	192	(	(	PUNCT
fbem-21442	103	193	0.011	0.011	NUM
fbem-21442	103	194	)	)	PUNCT
fbem-21442	103	195	(	(	PUNCT
fbem-21442	103	196	0.011	0.011	NUM
fbem-21442	103	197	)	)	PUNCT
fbem-21442	103	198	open	open	ADJ
fbem-21442	103	199	0.000	0.000	NUM
fbem-21442	103	200	*	*	PUNCT
fbem-21442	103	201	*	*	PUNCT
fbem-21442	103	202	*	*	PUNCT
fbem-21442	104	1	0.000	0.000	NUM
fbem-21442	104	2	*	*	PUNCT
fbem-21442	104	3	*	*	PUNCT
fbem-21442	104	4	*	*	PUNCT
fbem-21442	104	5	(	(	PUNCT
fbem-21442	104	6	0.000	0.000	NUM
fbem-21442	104	7	)	)	PUNCT
fbem-21442	104	8	(	(	PUNCT
fbem-21442	104	9	0.000	0.000	X
fbem-21442	104	10	)	)	PUNCT
fbem-21442	104	11	indus	indus	NOUN
fbem-21442	104	12	0.002	0.002	NUM
fbem-21442	104	13	*	*	PUNCT
fbem-21442	105	1	*	*	PUNCT
fbem-21442	105	2	(	(	PUNCT
fbem-21442	105	3	0.001	0.001	NUM
fbem-21442	105	4	)	)	PUNCT
fbem-21442	105	5	cons	con	NOUN
fbem-21442	105	6	3.729	3.729	NUM
fbem-21442	105	7	*	*	NOUN
fbem-21442	105	8	*	*	PUNCT
fbem-21442	105	9	*	*	PUNCT
fbem-21442	105	10	5.296	5.296	NUM
fbem-21442	105	11	*	*	PUNCT
fbem-21442	105	12	*	*	PUNCT
fbem-21442	105	13	*	*	PUNCT
fbem-21442	105	14	5.376	5.376	NUM
fbem-21442	105	15	*	*	PUNCT
fbem-21442	105	16	*	*	PUNCT
fbem-21442	105	17	*	*	PUNCT
fbem-21442	105	18	5.378	5.378	NUM
fbem-21442	105	19	*	*	PUNCT
fbem-21442	105	20	*	*	PUNCT
fbem-21442	105	21	*	*	PUNCT
fbem-21442	105	22	5.406	5.406	NUM
fbem-21442	105	23	*	*	PUNCT
fbem-21442	105	24	*	*	PUNCT
fbem-21442	105	25	*	*	PUNCT
fbem-21442	105	26	5.504	5.504	NUM
fbem-21442	105	27	*	*	PUNCT
fbem-21442	105	28	*	*	PUNCT
fbem-21442	105	29	*	*	PUNCT
fbem-21442	106	1	5.395	5.395	NUM
fbem-21442	106	2	*	*	PUNCT
fbem-21442	106	3	*	*	PUNCT
fbem-21442	106	4	*	*	PUNCT
fbem-21442	106	5	5.359	5.359	NUM
fbem-21442	106	6	*	*	PUNCT
fbem-21442	106	7	*	*	PUNCT
fbem-21442	106	8	*	*	PUNCT
fbem-21442	107	1	5.346	5.346	NUM
fbem-21442	107	2	*	*	PUNCT
fbem-21442	107	3	*	*	PUNCT
fbem-21442	107	4	*	*	PUNCT
fbem-21442	108	1	5.452	5.452	NUM
fbem-21442	108	2	*	*	PUNCT
fbem-21442	108	3	*	*	PUNCT
fbem-21442	108	4	*	*	PUNCT
fbem-21442	108	5	(	(	PUNCT
fbem-21442	108	6	0.108	0.108	NUM
fbem-21442	108	7	)	)	PUNCT
fbem-21442	108	8	(	(	PUNCT
fbem-21442	108	9	0.267	0.267	NUM
fbem-21442	108	10	)	)	PUNCT
fbem-21442	108	11	(	(	PUNCT
fbem-21442	108	12	0.271	0.271	NUM
fbem-21442	108	13	)	)	PUNCT
fbem-21442	108	14	(	(	PUNCT
fbem-21442	108	15	0.280	0.280	NUM
fbem-21442	108	16	)	)	PUNCT
fbem-21442	108	17	(	(	PUNCT
fbem-21442	108	18	0.273	0.273	NUM
fbem-21442	108	19	)	)	PUNCT
fbem-21442	108	20	(	(	PUNCT
fbem-21442	108	21	0.280	0.280	NUM
fbem-21442	108	22	)	)	PUNCT
fbem-21442	108	23	(	(	PUNCT
fbem-21442	108	24	0.281	0.281	NUM
fbem-21442	108	25	)	)	PUNCT
fbem-21442	108	26	(	(	PUNCT
fbem-21442	108	27	0.291	0.291	NUM
fbem-21442	108	28	)	)	PUNCT
fbem-21442	108	29	(	(	PUNCT
fbem-21442	108	30	0.290	0.290	NUM
fbem-21442	108	31	)	)	PUNCT
fbem-21442	108	32	(	(	PUNCT
fbem-21442	108	33	0.291	0.291	NUM
fbem-21442	108	34	)	)	PUNCT
fbem-21442	108	35	n	n	PRON
fbem-21442	108	36	784.000	784.000	NUM
fbem-21442	108	37	784.000	784.000	NUM
fbem-21442	108	38	784.000	784.000	NUM
fbem-21442	108	39	784.000	784.000	NUM
fbem-21442	108	40	784.000	784.000	NUM
fbem-21442	108	41	784.000	784.000	NUM
fbem-21442	108	42	784.000	784.000	NUM
fbem-21442	108	43	784.000	784.000	NUM
fbem-21442	108	44	784.000	784.000	NUM
fbem-21442	108	45	784.000	784.000	NUM
fbem-21442	108	46	r2	r2	NOUN
fbem-21442	108	47	0.889	0.889	NUM
fbem-21442	108	48	0.896	0.896	NUM
fbem-21442	108	49	0.898	0.898	NUM
fbem-21442	108	50	0.898	0.898	NUM
fbem-21442	108	51	0.898	0.898	NUM
fbem-21442	108	52	0.899	0.899	NUM
fbem-21442	108	53	0.900	0.900	NUM
fbem-21442	108	54	0.900	0.900	NUM
fbem-21442	108	55	0.900	0.900	NUM
fbem-21442	108	56	0.901	0.901	NUM
fbem-21442	108	57	year	year	NOUN
fbem-21442	109	1	yes	yes	INTJ
fbem-21442	110	1	yes	yes	INTJ
fbem-21442	111	1	yes	yes	INTJ
fbem-21442	112	1	yes	yes	INTJ
fbem-21442	113	1	yes	yes	INTJ
fbem-21442	114	1	yes	yes	INTJ
fbem-21442	115	1	yes	yes	INTJ
fbem-21442	116	1	yes	yes	INTJ
fbem-21442	117	1	yes	yes	INTJ
fbem-21442	118	1	yes	yes	INTJ
fbem-21442	118	2	province	province	NOUN
fbem-21442	119	1	yes	yes	INTJ
fbem-21442	120	1	yes	yes	INTJ
fbem-21442	121	1	yes	yes	INTJ
fbem-21442	122	1	yes	yes	INTJ
fbem-21442	123	1	yes	yes	INTJ
fbem-21442	124	1	yes	yes	INTJ
fbem-21442	125	1	yes	yes	INTJ
fbem-21442	126	1	yes	yes	INTJ
fbem-21442	127	1	yes	yes	INTJ
fbem-21442	127	2	yes	yes	INTJ
fbem-21442	127	3	note	note	VERB
fbem-21442	127	4	:	:	PUNCT
fbem-21442	127	5	*	*	PUNCT
fbem-21442	127	6	*	*	PUNCT
fbem-21442	127	7	*	*	PUNCT
fbem-21442	127	8	,	,	PUNCT
fbem-21442	127	9	*	*	PUNCT
fbem-21442	127	10	*	*	PUNCT
fbem-21442	127	11	and	and	CCONJ
fbem-21442	127	12	*	*	PUNCT
fbem-21442	127	13	indicate	indicate	VERB
fbem-21442	127	14	statistical	statistical	ADJ
fbem-21442	127	15	significance	significance	NOUN
fbem-21442	127	16	at	at	ADP
fbem-21442	127	17	the	the	DET
fbem-21442	127	18	level	level	NOUN
fbem-21442	127	19	of	of	ADP
fbem-21442	127	20	1	1	NUM
fbem-21442	127	21	%	%	NOUN
fbem-21442	127	22	,	,	PUNCT
fbem-21442	127	23	5	5	NUM
fbem-21442	127	24	%	%	NOUN
fbem-21442	127	25	and	and	CCONJ
fbem-21442	127	26	10	10	NUM
fbem-21442	127	27	%	%	NOUN
fbem-21442	127	28	,	,	PUNCT
fbem-21442	127	29	respectively	respectively	ADV
fbem-21442	127	30	.	.	PUNCT
fbem-21442	128	1	same	same	ADJ
fbem-21442	128	2	as	as	ADP
fbem-21442	128	3	below	below	ADP
fbem-21442	128	4	4.2	4.2	NUM
fbem-21442	128	5	.	.	PUNCT
fbem-21442	129	1	analysis	analysis	NOUN
fbem-21442	129	2	of	of	ADP
fbem-21442	129	3	intermediary	intermediary	ADJ
fbem-21442	129	4	mechanism	mechanism	NOUN
fbem-21442	129	5	4.2.1	4.2.1	NOUN
fbem-21442	129	6	.	.	PUNCT
fbem-21442	130	1	mechanism	mechanism	NOUN
fbem-21442	130	2	analysis	analysis	NOUN
fbem-21442	130	3	based	base	VERB
fbem-21442	130	4	on	on	ADP
fbem-21442	130	5	residents	resident	NOUN
fbem-21442	130	6	'	'	PART
fbem-21442	130	7	income	income	NOUN
fbem-21442	130	8	with	with	ADP
fbem-21442	130	9	the	the	DET
fbem-21442	130	10	progress	progress	NOUN
fbem-21442	130	11	of	of	ADP
fbem-21442	130	12	digital	digital	ADJ
fbem-21442	130	13	inclusive	inclusive	ADJ
fbem-21442	130	14	finance	finance	NOUN
fbem-21442	130	15	,	,	PUNCT
fbem-21442	130	16	it	it	PRON
fbem-21442	130	17	can	can	AUX
fbem-21442	130	18	gradually	gradually	ADV
fbem-21442	130	19	promote	promote	VERB
fbem-21442	130	20	the	the	DET
fbem-21442	130	21	development	development	NOUN
fbem-21442	130	22	of	of	ADP
fbem-21442	130	23	the	the	DET
fbem-21442	130	24	overall	overall	ADJ
fbem-21442	130	25	economy	economy	NOUN
fbem-21442	130	26	,	,	PUNCT
fbem-21442	130	27	create	create	VERB
fbem-21442	130	28	more	more	ADJ
fbem-21442	130	29	business	business	NOUN
fbem-21442	130	30	opportunities	opportunity	NOUN
fbem-21442	130	31	and	and	CCONJ
fbem-21442	130	32	jobs	job	NOUN
fbem-21442	130	33	for	for	ADP
fbem-21442	130	34	the	the	DET
fbem-21442	130	35	society	society	NOUN
fbem-21442	130	36	,	,	PUNCT
fbem-21442	130	37	and	and	CCONJ
fbem-21442	130	38	create	create	VERB
fbem-21442	130	39	a	a	DET
fbem-21442	130	40	good	good	ADJ
fbem-21442	130	41	macro	macro	ADJ
fbem-21442	130	42	environment	environment	NOUN
fbem-21442	130	43	for	for	ADP
fbem-21442	130	44	the	the	DET
fbem-21442	130	45	improvement	improvement	NOUN
fbem-21442	130	46	of	of	ADP
fbem-21442	130	47	residents	resident	NOUN
fbem-21442	130	48	'	'	PART
fbem-21442	130	49	income	income	NOUN
fbem-21442	130	50	.	.	PUNCT
fbem-21442	131	1	liu	liu	PROPN
fbem-21442	131	2	et	et	PROPN
fbem-21442	131	3	al	al	PROPN
fbem-21442	131	4	.	.	PROPN
fbem-21442	132	1	(	(	PUNCT
fbem-21442	132	2	2019	2019	NUM
fbem-21442	132	3	)	)	PUNCT
fbem-21442	133	1	[	[	X
fbem-21442	133	2	23	23	NUM
fbem-21442	133	3	]	]	PUNCT
fbem-21442	133	4	found	find	VERB
fbem-21442	133	5	that	that	SCONJ
fbem-21442	133	6	digital	digital	ADJ
fbem-21442	133	7	inclusive	inclusive	ADJ
fbem-21442	133	8	finance	finance	NOUN
fbem-21442	133	9	can	can	AUX
fbem-21442	133	10	promote	promote	VERB
fbem-21442	133	11	the	the	DET
fbem-21442	133	12	improvement	improvement	NOUN
fbem-21442	133	13	of	of	ADP
fbem-21442	133	14	residents	resident	NOUN
fbem-21442	133	15	'	'	PART
fbem-21442	133	16	income	income	NOUN
fbem-21442	133	17	level	level	NOUN
fbem-21442	133	18	,	,	PUNCT
fbem-21442	133	19	so	so	SCONJ
fbem-21442	133	20	this	this	DET
fbem-21442	133	21	paper	paper	NOUN
fbem-21442	133	22	takes	take	VERB
fbem-21442	133	23	residents	resident	NOUN
fbem-21442	133	24	'	'	PART
fbem-21442	133	25	per	per	ADP
fbem-21442	133	26	capita	capita	X
fbem-21442	133	27	income	income	NOUN
fbem-21442	133	28	level	level	NOUN
fbem-21442	133	29	(	(	PUNCT
fbem-21442	133	30	ri	ri	NOUN
fbem-21442	133	31	)	)	PUNCT
fbem-21442	133	32	as	as	ADP
fbem-21442	133	33	an	an	DET
fbem-21442	133	34	intermediary	intermediary	ADJ
fbem-21442	133	35	variable	variable	NOUN
fbem-21442	133	36	.	.	PUNCT
fbem-21442	134	1	the	the	DET
fbem-21442	134	2	regression	regression	NOUN
fbem-21442	134	3	results	result	VERB
fbem-21442	134	4	in	in	ADP
fbem-21442	134	5	column	column	NOUN
fbem-21442	134	6	(	(	PUNCT
fbem-21442	134	7	1	1	NUM
fbem-21442	134	8	)	)	PUNCT
fbem-21442	134	9	of	of	ADP
fbem-21442	134	10	table	table	NOUN
fbem-21442	134	11	3	3	NUM
fbem-21442	134	12	show	show	VERB
fbem-21442	134	13	that	that	SCONJ
fbem-21442	134	14	the	the	DET
fbem-21442	134	15	effect	effect	NOUN
fbem-21442	134	16	of	of	ADP
fbem-21442	134	17	digital	digital	ADJ
fbem-21442	134	18	inclusive	inclusive	ADJ
fbem-21442	134	19	finance	finance	NOUN
fbem-21442	134	20	on	on	ADP
fbem-21442	134	21	improving	improve	VERB
fbem-21442	134	22	residents	resident	NOUN
fbem-21442	134	23	'	'	PART
fbem-21442	134	24	consumption	consumption	NOUN
fbem-21442	134	25	level	level	NOUN
fbem-21442	134	26	is	be	AUX
fbem-21442	134	27	0.881	0.881	NUM
fbem-21442	134	28	under	under	ADP
fbem-21442	134	29	the	the	DET
fbem-21442	134	30	premise	premise	NOUN
fbem-21442	134	31	of	of	ADP
fbem-21442	134	32	not	not	PART
fbem-21442	134	33	introducing	introduce	VERB
fbem-21442	134	34	the	the	DET
fbem-21442	134	35	mediating	mediate	VERB
fbem-21442	134	36	effect	effect	NOUN
fbem-21442	134	37	.	.	PUNCT
fbem-21442	135	1	at	at	ADP
fbem-21442	135	2	present	present	ADJ
fbem-21442	135	3	,	,	PUNCT
fbem-21442	135	4	the	the	DET
fbem-21442	135	5	average	average	ADJ
fbem-21442	135	6	income	income	NOUN
fbem-21442	135	7	level	level	NOUN
fbem-21442	135	8	of	of	ADP
fbem-21442	135	9	residents	resident	NOUN
fbem-21442	135	10	in	in	ADP
fbem-21442	135	11	the	the	DET
fbem-21442	135	12	yangtze	yangtze	PROPN
fbem-21442	135	13	river	river	PROPN
fbem-21442	135	14	economic	economic	ADJ
fbem-21442	135	15	belt	belt	NOUN
fbem-21442	135	16	is	be	AUX
fbem-21442	135	17	not	not	PART
fbem-21442	135	18	high	high	ADJ
fbem-21442	135	19	,	,	PUNCT
fbem-21442	135	20	and	and	CCONJ
fbem-21442	135	21	the	the	DET
fbem-21442	135	22	small	small	ADJ
fbem-21442	135	23	number	number	NOUN
fbem-21442	135	24	of	of	ADP
fbem-21442	135	25	middle	middle	ADJ
fbem-21442	135	26	class	class	NOUN
fbem-21442	135	27	is	be	AUX
fbem-21442	135	28	an	an	DET
fbem-21442	135	29	important	important	ADJ
fbem-21442	135	30	factor	factor	NOUN
fbem-21442	135	31	leading	lead	VERB
fbem-21442	135	32	to	to	ADP
fbem-21442	135	33	the	the	DET
fbem-21442	135	34	lack	lack	NOUN
fbem-21442	135	35	of	of	ADP
fbem-21442	135	36	domestic	domestic	ADJ
fbem-21442	135	37	consumption	consumption	NOUN
fbem-21442	135	38	demand	demand	NOUN
fbem-21442	135	39	.	.	PUNCT
fbem-21442	136	1	therefore	therefore	ADV
fbem-21442	136	2	,	,	PUNCT
fbem-21442	136	3	increasing	increase	VERB
fbem-21442	136	4	residents	resident	NOUN
fbem-21442	136	5	'	'	PART
fbem-21442	136	6	income	income	NOUN
fbem-21442	136	7	can	can	AUX
fbem-21442	136	8	create	create	VERB
fbem-21442	136	9	a	a	DET
fbem-21442	136	10	favorable	favorable	ADJ
fbem-21442	136	11	condition	condition	NOUN
fbem-21442	136	12	for	for	ADP
fbem-21442	136	13	stimulating	stimulate	VERB
fbem-21442	136	14	and	and	CCONJ
fbem-21442	136	15	stimulating	stimulate	VERB
fbem-21442	136	16	domestic	domestic	ADJ
fbem-21442	136	17	demand	demand	NOUN
fbem-21442	136	18	,	,	PUNCT
fbem-21442	136	19	thus	thus	ADV
fbem-21442	136	20	providing	provide	VERB
fbem-21442	136	21	a	a	DET
fbem-21442	136	22	strong	strong	ADJ
fbem-21442	136	23	impetus	impetus	NOUN
fbem-21442	136	24	for	for	ADP
fbem-21442	136	25	economic	economic	ADJ
fbem-21442	136	26	development	development	NOUN
fbem-21442	136	27	.	.	PUNCT
fbem-21442	137	1	it	it	PRON
fbem-21442	137	2	is	be	AUX
fbem-21442	137	3	clearly	clearly	ADV
fbem-21442	137	4	pointed	point	VERB
fbem-21442	137	5	out	out	ADP
fbem-21442	137	6	in	in	ADP
fbem-21442	137	7	column	column	NOUN
fbem-21442	137	8	(	(	PUNCT
fbem-21442	137	9	2	2	NUM
fbem-21442	137	10	)	)	PUNCT
fbem-21442	137	11	of	of	ADP
fbem-21442	137	12	table	table	NOUN
fbem-21442	137	13	3	3	NUM
fbem-21442	137	14	that	that	PRON
fbem-21442	137	15	digital	digital	ADJ
fbem-21442	137	16	inclusive	inclusive	ADJ
fbem-21442	137	17	finance	finance	NOUN
fbem-21442	137	18	can	can	AUX
fbem-21442	137	19	significantly	significantly	ADV
fbem-21442	137	20	promote	promote	VERB
fbem-21442	137	21	the	the	DET
fbem-21442	137	22	increase	increase	NOUN
fbem-21442	137	23	of	of	ADP
fbem-21442	137	24	residents	resident	NOUN
fbem-21442	137	25	'	'	PART
fbem-21442	137	26	income	income	NOUN
fbem-21442	137	27	at	at	ADP
fbem-21442	137	28	the	the	DET
fbem-21442	137	29	level	level	NOUN
fbem-21442	137	30	of	of	ADP
fbem-21442	137	31	1	1	NUM
fbem-21442	137	32	%	%	NOUN
fbem-21442	137	33	,	,	PUNCT
fbem-21442	137	34	with	with	ADP
fbem-21442	137	35	a	a	DET
fbem-21442	137	36	coefficient	coefficient	NOUN
fbem-21442	137	37	of	of	ADP
fbem-21442	137	38	0.919	0.919	NUM
fbem-21442	137	39	.	.	PUNCT
fbem-21442	138	1	when	when	SCONJ
fbem-21442	138	2	the	the	DET
fbem-21442	138	3	intermediary	intermediary	ADJ
fbem-21442	138	4	variable	variable	NOUN
fbem-21442	138	5	of	of	ADP
fbem-21442	138	6	residents	resident	NOUN
fbem-21442	138	7	'	'	PART
fbem-21442	138	8	income	income	NOUN
fbem-21442	138	9	is	be	AUX
fbem-21442	138	10	included	include	VERB
fbem-21442	138	11	in	in	ADP
fbem-21442	138	12	the	the	DET
fbem-21442	138	13	regression	regression	NOUN
fbem-21442	138	14	analysis	analysis	NOUN
fbem-21442	138	15	,	,	PUNCT
fbem-21442	138	16	according	accord	VERB
fbem-21442	138	17	to	to	ADP
fbem-21442	138	18	column	column	NOUN
fbem-21442	138	19	(	(	PUNCT
fbem-21442	138	20	3	3	NUM
fbem-21442	138	21	)	)	PUNCT
fbem-21442	138	22	of	of	ADP
fbem-21442	138	23	table	table	NOUN
fbem-21442	138	24	3	3	NUM
fbem-21442	138	25	,	,	PUNCT
fbem-21442	138	26	through	through	ADP
fbem-21442	138	27	the	the	DET
fbem-21442	138	28	regression	regression	NOUN
fbem-21442	138	29	analysis	analysis	NOUN
fbem-21442	138	30	,	,	PUNCT
fbem-21442	138	31	it	it	PRON
fbem-21442	138	32	is	be	AUX
fbem-21442	138	33	found	find	VERB
fbem-21442	138	34	that	that	SCONJ
fbem-21442	138	35	digital	digital	ADJ
fbem-21442	138	36	inclusive	inclusive	ADJ
fbem-21442	138	37	finance	finance	NOUN
fbem-21442	138	38	is	be	AUX
fbem-21442	138	39	still	still	ADV
fbem-21442	138	40	significant	significant	ADJ
fbem-21442	138	41	in	in	ADP
fbem-21442	138	42	improving	improve	VERB
fbem-21442	138	43	the	the	DET
fbem-21442	138	44	level	level	NOUN
fbem-21442	138	45	of	of	ADP
fbem-21442	138	46	residents	resident	NOUN
fbem-21442	138	47	'	'	PART
fbem-21442	138	48	consumption	consumption	NOUN
fbem-21442	138	49	.	.	PUNCT
fbem-21442	139	1	this	this	PRON
fbem-21442	139	2	shows	show	VERB
fbem-21442	139	3	that	that	SCONJ
fbem-21442	139	4	digital	digital	ADJ
fbem-21442	139	5	inclusive	inclusive	ADJ
fbem-21442	139	6	finance	finance	NOUN
fbem-21442	139	7	increases	increase	VERB
fbem-21442	139	8	household	household	NOUN
fbem-21442	139	9	consumption	consumption	NOUN
fbem-21442	139	10	by	by	ADP
fbem-21442	139	11	increasing	increase	VERB
fbem-21442	139	12	household	household	NOUN
fbem-21442	139	13	income	income	NOUN
fbem-21442	139	14	.	.	PUNCT
fbem-21442	140	1	hypothesis	hypothesis	NOUN
fbem-21442	140	2	2	2	NUM
fbem-21442	140	3	holds	hold	NOUN
fbem-21442	140	4	.	.	PUNCT
fbem-21442	141	1	4.2.2	4.2.2	X
fbem-21442	141	2	.	.	PUNCT
fbem-21442	141	3	mechanism	mechanism	NOUN
fbem-21442	141	4	analysis	analysis	NOUN
fbem-21442	141	5	based	base	VERB
fbem-21442	141	6	on	on	ADP
fbem-21442	141	7	digital	digital	ADJ
fbem-21442	141	8	insurance	insurance	NOUN
fbem-21442	141	9	with	with	ADP
fbem-21442	141	10	the	the	DET
fbem-21442	141	11	progress	progress	NOUN
fbem-21442	141	12	of	of	ADP
fbem-21442	141	13	digital	digital	ADJ
fbem-21442	141	14	inclusive	inclusive	ADJ
fbem-21442	141	15	finance	finance	NOUN
fbem-21442	141	16	,	,	PUNCT
fbem-21442	141	17	a	a	DET
fbem-21442	141	18	large	large	ADJ
fbem-21442	141	19	number	number	NOUN
fbem-21442	141	20	of	of	ADP
fbem-21442	141	21	digital	digital	ADJ
fbem-21442	141	22	insurance	insurance	NOUN
fbem-21442	141	23	products	product	NOUN
fbem-21442	141	24	have	have	AUX
fbem-21442	141	25	been	be	AUX
fbem-21442	141	26	born	bear	VERB
fbem-21442	141	27	,	,	PUNCT
fbem-21442	141	28	which	which	PRON
fbem-21442	141	29	also	also	ADV
fbem-21442	141	30	makes	make	VERB
fbem-21442	141	31	insurance	insurance	NOUN
fbem-21442	141	32	services	service	NOUN
fbem-21442	141	33	more	more	ADV
fbem-21442	141	34	accessible	accessible	ADJ
fbem-21442	141	35	,	,	PUNCT
fbem-21442	141	36	especially	especially	ADV
fbem-21442	141	37	for	for	ADP
fbem-21442	141	38	those	those	PRON
fbem-21442	141	39	who	who	PRON
fbem-21442	141	40	are	be	AUX
fbem-21442	141	41	difficult	difficult	ADJ
fbem-21442	141	42	to	to	PART
fbem-21442	141	43	be	be	AUX
fbem-21442	141	44	covered	cover	VERB
fbem-21442	141	45	by	by	ADP
fbem-21442	141	46	the	the	DET
fbem-21442	141	47	traditional	traditional	ADJ
fbem-21442	141	48	financial	financial	ADJ
fbem-21442	141	49	system	system	NOUN
fbem-21442	141	50	.	.	PUNCT
fbem-21442	142	1	the	the	DET
fbem-21442	142	2	development	development	NOUN
fbem-21442	142	3	of	of	ADP
fbem-21442	142	4	digital	digital	ADJ
fbem-21442	142	5	economy	economy	NOUN
fbem-21442	142	6	also	also	ADV
fbem-21442	142	7	provides	provide	VERB
fbem-21442	142	8	an	an	DET
fbem-21442	142	9	opportunity	opportunity	NOUN
fbem-21442	142	10	for	for	ADP
fbem-21442	142	11	the	the	DET
fbem-21442	142	12	development	development	NOUN
fbem-21442	142	13	of	of	ADP
fbem-21442	142	14	digital	digital	ADJ
fbem-21442	142	15	insurance	insurance	NOUN
fbem-21442	142	16	.	.	PUNCT
fbem-21442	143	1	driven	drive	VERB
fbem-21442	143	2	by	by	ADP
fbem-21442	143	3	digital	digital	ADJ
fbem-21442	143	4	technology	technology	NOUN
fbem-21442	143	5	,	,	PUNCT
fbem-21442	143	6	more	more	ADJ
fbem-21442	143	7	and	and	CCONJ
fbem-21442	143	8	more	more	ADJ
fbem-21442	143	9	residents	resident	NOUN
fbem-21442	143	10	are	be	AUX
fbem-21442	143	11	using	use	VERB
fbem-21442	143	12	the	the	DET
fbem-21442	143	13	internet	internet	NOUN
fbem-21442	143	14	to	to	PART
fbem-21442	143	15	buy	buy	VERB
fbem-21442	143	16	insurance	insurance	NOUN
fbem-21442	143	17	.	.	PUNCT
fbem-21442	144	1	this	this	PRON
fbem-21442	144	2	will	will	AUX
fbem-21442	144	3	further	far	ADV
fbem-21442	144	4	promote	promote	VERB
fbem-21442	144	5	the	the	DET
fbem-21442	144	6	development	development	NOUN
fbem-21442	144	7	of	of	ADP
fbem-21442	144	8	e	e	NOUN
fbem-21442	144	9	-	-	NOUN
fbem-21442	144	10	commerce	commerce	NOUN
fbem-21442	144	11	and	and	CCONJ
fbem-21442	144	12	digital	digital	ADJ
fbem-21442	144	13	payment	payment	NOUN
fbem-21442	144	14	,	,	PUNCT
fbem-21442	144	15	and	and	CCONJ
fbem-21442	144	16	also	also	ADV
fbem-21442	144	17	provide	provide	VERB
fbem-21442	144	18	a	a	DET
fbem-21442	144	19	broad	broad	ADJ
fbem-21442	144	20	market	market	NOUN
fbem-21442	144	21	for	for	ADP
fbem-21442	144	22	digital	digital	ADJ
fbem-21442	144	23	insurance	insurance	NOUN
fbem-21442	144	24	.	.	PUNCT
fbem-21442	145	1	moreover	moreover	ADV
fbem-21442	145	2	,	,	PUNCT
fbem-21442	145	3	it	it	PRON
fbem-21442	145	4	can	can	AUX
fbem-21442	145	5	increase	increase	VERB
fbem-21442	145	6	the	the	DET
fbem-21442	145	7	participation	participation	NOUN
fbem-21442	145	8	in	in	ADP
fbem-21442	145	9	insurance	insurance	NOUN
fbem-21442	145	10	,	,	PUNCT
fbem-21442	145	11	reduce	reduce	VERB
fbem-21442	145	12	residents	resident	NOUN
fbem-21442	145	13	'	'	PART
fbem-21442	145	14	uncertain	uncertain	ADJ
fbem-21442	145	15	expectations	expectation	NOUN
fbem-21442	145	16	for	for	ADP
fbem-21442	145	17	the	the	DET
fbem-21442	145	18	future	future	NOUN
fbem-21442	145	19	,	,	PUNCT
fbem-21442	145	20	and	and	CCONJ
fbem-21442	145	21	thus	thus	ADV
fbem-21442	145	22	improve	improve	VERB
fbem-21442	145	23	their	their	PRON
fbem-21442	145	24	current	current	ADJ
fbem-21442	145	25	consumption	consumption	NOUN
fbem-21442	145	26	level	level	NOUN
fbem-21442	145	27	.	.	PUNCT
fbem-21442	146	1	a	a	DET
fbem-21442	146	2	higher	high	ADJ
fbem-21442	146	3	level	level	NOUN
fbem-21442	146	4	of	of	ADP
fbem-21442	146	5	social	social	ADJ
fbem-21442	146	6	security	security	NOUN
fbem-21442	146	7	leads	lead	VERB
fbem-21442	146	8	to	to	ADP
fbem-21442	146	9	lower	low	ADJ
fbem-21442	146	10	precautionary	precautionary	ADJ
fbem-21442	146	11	saving	saving	NOUN
fbem-21442	146	12	,	,	PUNCT
fbem-21442	146	13	which	which	PRON
fbem-21442	146	14	increases	increase	VERB
fbem-21442	146	15	consumption	consumption	NOUN
fbem-21442	146	16	.	.	PUNCT
fbem-21442	147	1	in	in	ADP
fbem-21442	147	2	this	this	DET
fbem-21442	147	3	paper	paper	NOUN
fbem-21442	147	4	,	,	PUNCT
fbem-21442	147	5	the	the	DET
fbem-21442	147	6	number	number	NOUN
fbem-21442	147	7	of	of	ADP
fbem-21442	147	8	urban	urban	ADJ
fbem-21442	147	9	workers	worker	NOUN
fbem-21442	147	10	participating	participate	VERB
fbem-21442	147	11	in	in	ADP
fbem-21442	147	12	basic	basic	ADJ
fbem-21442	147	13	old	old	ADJ
fbem-21442	147	14	-	-	PUNCT
fbem-21442	147	15	age	age	NOUN
fbem-21442	147	16	insurance	insurance	NOUN
fbem-21442	147	17	(	(	PUNCT
fbem-21442	147	18	ei	ei	NOUN
fbem-21442	147	19	)	)	PUNCT
fbem-21442	147	20	is	be	AUX
fbem-21442	147	21	taken	take	VERB
fbem-21442	147	22	as	as	ADP
fbem-21442	147	23	the	the	DET
fbem-21442	147	24	proxy	proxy	ADJ
fbem-21442	147	25	variable	variable	NOUN
fbem-21442	147	26	,	,	PUNCT
fbem-21442	147	27	and	and	CCONJ
fbem-21442	147	28	the	the	DET
fbem-21442	147	29	data	datum	NOUN
fbem-21442	147	30	are	be	AUX
fbem-21442	147	31	processed	process	VERB
fbem-21442	147	32	by	by	ADP
fbem-21442	147	33	logarithm	logarithm	NOUN
fbem-21442	147	34	.	.	PUNCT
fbem-21442	148	1	column	column	NOUN
fbem-21442	148	2	(	(	PUNCT
fbem-21442	148	3	4	4	NUM
fbem-21442	148	4	)	)	PUNCT
fbem-21442	148	5	of	of	ADP
fbem-21442	148	6	table	table	NOUN
fbem-21442	148	7	3	3	NUM
fbem-21442	148	8	shows	show	VERB
fbem-21442	148	9	that	that	SCONJ
fbem-21442	148	10	the	the	DET
fbem-21442	148	11	increase	increase	NOUN
fbem-21442	148	12	of	of	ADP
fbem-21442	148	13	digital	digital	ADJ
fbem-21442	148	14	inclusive	inclusive	ADJ
fbem-21442	148	15	finance	finance	NOUN
fbem-21442	148	16	in	in	ADP
fbem-21442	148	17	promoting	promote	VERB
fbem-21442	148	18	digital	digital	ADJ
fbem-21442	148	19	insurance	insurance	NOUN
fbem-21442	148	20	is	be	AUX
fbem-21442	148	21	significant	significant	ADJ
fbem-21442	148	22	at	at	ADP
fbem-21442	148	23	the	the	DET
fbem-21442	148	24	level	level	NOUN
fbem-21442	148	25	of	of	ADP
fbem-21442	148	26	1	1	NUM
fbem-21442	148	27	%	%	NOUN
fbem-21442	148	28	,	,	PUNCT
fbem-21442	148	29	with	with	ADP
fbem-21442	148	30	a	a	DET
fbem-21442	148	31	coefficient	coefficient	NOUN
fbem-21442	148	32	of	of	ADP
fbem-21442	148	33	0.735	0.735	NUM
fbem-21442	148	34	.	.	PUNCT
fbem-21442	149	1	from	from	ADP
fbem-21442	149	2	the	the	DET
fbem-21442	149	3	regression	regression	NOUN
fbem-21442	149	4	results	result	NOUN
fbem-21442	149	5	in	in	ADP
fbem-21442	149	6	column	column	NOUN
fbem-21442	149	7	(	(	PUNCT
fbem-21442	149	8	5	5	NUM
fbem-21442	149	9	)	)	PUNCT
fbem-21442	149	10	of	of	ADP
fbem-21442	149	11	table	table	NOUN
fbem-21442	149	12	3	3	NUM
fbem-21442	149	13	,	,	PUNCT
fbem-21442	149	14	it	it	PRON
fbem-21442	149	15	can	can	AUX
fbem-21442	149	16	be	be	AUX
fbem-21442	149	17	seen	see	VERB
fbem-21442	149	18	that	that	SCONJ
fbem-21442	149	19	when	when	SCONJ
fbem-21442	149	20	the	the	DET
fbem-21442	149	21	variable	variable	NOUN
fbem-21442	149	22	of	of	ADP
fbem-21442	149	23	digital	digital	ADJ
fbem-21442	149	24	insurance	insurance	NOUN
fbem-21442	149	25	(	(	PUNCT
fbem-21442	149	26	ei	ei	NOUN
fbem-21442	149	27	)	)	PUNCT
fbem-21442	149	28	is	be	AUX
fbem-21442	149	29	added	add	VERB
fbem-21442	149	30	to	to	ADP
fbem-21442	149	31	the	the	DET
fbem-21442	149	32	explanatory	explanatory	ADJ
fbem-21442	149	33	variable	variable	NOUN
fbem-21442	149	34	,	,	PUNCT
fbem-21442	149	35	the	the	DET
fbem-21442	149	36	result	result	NOUN
fbem-21442	149	37	is	be	AUX
fbem-21442	149	38	still	still	ADV
fbem-21442	149	39	significant	significant	ADJ
fbem-21442	149	40	,	,	PUNCT
fbem-21442	149	41	and	and	CCONJ
fbem-21442	149	42	the	the	DET
fbem-21442	149	43	regression	regression	NOUN
fbem-21442	149	44	coefficient	coefficient	NOUN
fbem-21442	149	45	increases	increase	VERB
fbem-21442	149	46	to	to	ADP
fbem-21442	149	47	0.866	0.866	NUM
fbem-21442	149	48	,	,	PUNCT
fbem-21442	149	49	indicating	indicate	VERB
fbem-21442	149	50	that	that	SCONJ
fbem-21442	149	51	digital	digital	ADJ
fbem-21442	149	52	inclusive	inclusive	ADJ
fbem-21442	149	53	finance	finance	NOUN
fbem-21442	149	54	increases	increase	VERB
fbem-21442	149	55	household	household	NOUN
fbem-21442	149	56	consumption	consumption	NOUN
fbem-21442	149	57	by	by	ADP
fbem-21442	149	58	increasing	increase	VERB
fbem-21442	149	59	digital	digital	ADJ
fbem-21442	149	60	insurance	insurance	NOUN
fbem-21442	149	61	.	.	PUNCT
fbem-21442	150	1	hypothesis	hypothesis	NOUN
fbem-21442	150	2	3	3	NUM
fbem-21442	150	3	holds	hold	NOUN
fbem-21442	150	4	.	.	PUNCT
fbem-21442	151	1	4.2.3	4.2.3	X
fbem-21442	151	2	.	.	PUNCT
fbem-21442	152	1	mechanism	mechanism	NOUN
fbem-21442	152	2	analysis	analysis	NOUN
fbem-21442	152	3	based	base	VERB
fbem-21442	152	4	on	on	ADP
fbem-21442	152	5	consumer	consumer	NOUN
fbem-21442	152	6	credit	credit	NOUN
fbem-21442	152	7	this	this	DET
fbem-21442	152	8	paper	paper	NOUN
fbem-21442	152	9	introduces	introduce	VERB
fbem-21442	152	10	the	the	DET
fbem-21442	152	11	balance	balance	NOUN
fbem-21442	152	12	of	of	ADP
fbem-21442	152	13	rmb	rmb	NOUN
fbem-21442	152	14	loans	loan	NOUN
fbem-21442	152	15	(	(	PUNCT
fbem-21442	152	16	loan	loan	NOUN
fbem-21442	152	17	)	)	PUNCT
fbem-21442	152	18	of	of	ADP
fbem-21442	152	19	financial	financial	ADJ
fbem-21442	152	20	institutions	institution	NOUN
fbem-21442	152	21	at	at	ADP
fbem-21442	152	22	the	the	DET
fbem-21442	152	23	end	end	NOUN
fbem-21442	152	24	of	of	ADP
fbem-21442	152	25	the	the	DET
fbem-21442	152	26	year	year	NOUN
fbem-21442	152	27	as	as	ADP
fbem-21442	152	28	the	the	DET
fbem-21442	152	29	proxy	proxy	ADJ
fbem-21442	152	30	variable	variable	NOUN
fbem-21442	152	31	of	of	ADP
fbem-21442	152	32	consumer	consumer	NOUN
fbem-21442	152	33	credit	credit	NOUN
fbem-21442	152	34	,	,	PUNCT
fbem-21442	152	35	and	and	CCONJ
fbem-21442	152	36	investigates	investigate	VERB
fbem-21442	152	37	whether	whether	SCONJ
fbem-21442	152	38	digital	digital	ADJ
fbem-21442	152	39	inclusive	inclusive	ADJ
fbem-21442	152	40	finance	finance	NOUN
fbem-21442	152	41	can	can	AUX
fbem-21442	152	42	indirectly	indirectly	ADV
fbem-21442	152	43	promote	promote	VERB
fbem-21442	152	44	the	the	DET
fbem-21442	152	45	level	level	NOUN
fbem-21442	152	46	of	of	ADP
fbem-21442	152	47	household	household	NOUN
fbem-21442	152	48	consumption	consumption	NOUN
fbem-21442	152	49	by	by	ADP
fbem-21442	152	50	increasing	increase	VERB
fbem-21442	152	51	consumer	consumer	NOUN
fbem-21442	152	52	credit	credit	NOUN
fbem-21442	152	53	.	.	PUNCT
fbem-21442	153	1	digital	digital	ADJ
fbem-21442	153	2	inclusive	inclusive	ADJ
fbem-21442	153	3	finance	finance	NOUN
fbem-21442	153	4	not	not	PART
fbem-21442	153	5	only	only	ADV
fbem-21442	153	6	broadens	broaden	VERB
fbem-21442	153	7	the	the	DET
fbem-21442	153	8	service	service	NOUN
fbem-21442	153	9	scope	scope	NOUN
fbem-21442	153	10	of	of	ADP
fbem-21442	153	11	consumer	consumer	NOUN
fbem-21442	153	12	credit	credit	NOUN
fbem-21442	153	13	,	,	PUNCT
fbem-21442	153	14	but	but	CCONJ
fbem-21442	153	15	also	also	ADV
fbem-21442	153	16	gives	give	VERB
fbem-21442	153	17	more	more	ADJ
fbem-21442	153	18	people	people	NOUN
fbem-21442	153	19	the	the	DET
fbem-21442	153	20	opportunity	opportunity	NOUN
fbem-21442	153	21	to	to	PART
fbem-21442	153	22	have	have	AUX
fbem-21442	153	23	more	more	ADV
fbem-21442	153	24	convenient	convenient	ADJ
fbem-21442	153	25	access	access	NOUN
fbem-21442	153	26	to	to	ADP
fbem-21442	153	27	credit	credit	NOUN
fbem-21442	153	28	resources	resource	NOUN
fbem-21442	153	29	to	to	PART
fbem-21442	153	30	meet	meet	VERB
fbem-21442	153	31	their	their	PRON
fbem-21442	153	32	diversified	diversify	VERB
fbem-21442	153	33	consumer	consumer	NOUN
fbem-21442	153	34	needs	need	NOUN
fbem-21442	153	35	.	.	PUNCT
fbem-21442	154	1	moreover	moreover	ADV
fbem-21442	154	2	,	,	PUNCT
fbem-21442	154	3	the	the	DET
fbem-21442	154	4	application	application	NOUN
fbem-21442	154	5	of	of	ADP
fbem-21442	154	6	digital	digital	ADJ
fbem-21442	154	7	technology	technology	NOUN
fbem-21442	154	8	not	not	PART
fbem-21442	154	9	only	only	ADV
fbem-21442	154	10	improves	improve	VERB
fbem-21442	154	11	the	the	DET
fbem-21442	154	12	efficiency	efficiency	NOUN
fbem-21442	154	13	and	and	CCONJ
fbem-21442	154	14	accuracy	accuracy	NOUN
fbem-21442	154	15	of	of	ADP
fbem-21442	154	16	credit	credit	NOUN
fbem-21442	154	17	assessment	assessment	NOUN
fbem-21442	154	18	,	,	PUNCT
fbem-21442	154	19	but	but	CCONJ
fbem-21442	154	20	also	also	ADV
fbem-21442	154	21	reduces	reduce	VERB
fbem-21442	154	22	the	the	DET
fbem-21442	154	23	difficulty	difficulty	NOUN
fbem-21442	154	24	of	of	ADP
fbem-21442	154	25	obtaining	obtain	VERB
fbem-21442	154	26	consumer	consumer	NOUN
fbem-21442	154	27	credit	credit	NOUN
fbem-21442	154	28	,	,	PUNCT
fbem-21442	154	29	thus	thus	ADV
fbem-21442	154	30	making	make	VERB
fbem-21442	154	31	it	it	PRON
fbem-21442	154	32	possible	possible	ADJ
fbem-21442	154	33	for	for	SCONJ
fbem-21442	154	34	more	more	ADJ
fbem-21442	154	35	people	people	NOUN
fbem-21442	154	36	to	to	PART
fbem-21442	154	37	obtain	obtain	VERB
fbem-21442	154	38	credit	credit	NOUN
fbem-21442	154	39	support	support	NOUN
fbem-21442	154	40	.	.	PUNCT
fbem-21442	155	1	in	in	ADP
fbem-21442	155	2	addition	addition	NOUN
fbem-21442	155	3	,	,	PUNCT
fbem-21442	155	4	the	the	DET
fbem-21442	155	5	development	development	NOUN
fbem-21442	155	6	of	of	ADP
fbem-21442	155	7	digital	digital	ADJ
fbem-21442	155	8	inclusive	inclusive	ADJ
fbem-21442	155	9	finance	finance	NOUN
fbem-21442	155	10	can	can	AUX
fbem-21442	155	11	also	also	ADV
fbem-21442	155	12	provide	provide	VERB
fbem-21442	155	13	257	257	NUM
fbem-21442	155	14	credit	credit	NOUN
fbem-21442	155	15	support	support	NOUN
fbem-21442	155	16	for	for	ADP
fbem-21442	155	17	new	new	ADJ
fbem-21442	155	18	ventures	venture	NOUN
fbem-21442	155	19	and	and	CCONJ
fbem-21442	155	20	small	small	ADJ
fbem-21442	155	21	and	and	CCONJ
fbem-21442	155	22	micro	micro	ADJ
fbem-21442	155	23	enterprises	enterprise	NOUN
fbem-21442	155	24	,	,	PUNCT
fbem-21442	155	25	thus	thus	ADV
fbem-21442	155	26	indirectly	indirectly	ADV
fbem-21442	155	27	boosting	boost	VERB
fbem-21442	155	28	household	household	NOUN
fbem-21442	155	29	consumption	consumption	NOUN
fbem-21442	155	30	.	.	PUNCT
fbem-21442	156	1	for	for	ADP
fbem-21442	156	2	example	example	NOUN
fbem-21442	156	3	,	,	PUNCT
fbem-21442	156	4	small	small	ADJ
fbem-21442	156	5	loans	loan	NOUN
fbem-21442	156	6	,	,	PUNCT
fbem-21442	156	7	start	start	NOUN
fbem-21442	156	8	-	-	PUNCT
fbem-21442	156	9	up	up	ADP
fbem-21442	156	10	loans	loan	NOUN
fbem-21442	156	11	and	and	CCONJ
fbem-21442	156	12	supply	supply	NOUN
fbem-21442	156	13	chain	chain	NOUN
fbem-21442	156	14	finance	finance	NOUN
fbem-21442	156	15	can	can	AUX
fbem-21442	156	16	help	help	VERB
fbem-21442	156	17	entrepreneurs	entrepreneur	NOUN
fbem-21442	156	18	and	and	CCONJ
fbem-21442	156	19	small	small	ADJ
fbem-21442	156	20	and	and	CCONJ
fbem-21442	156	21	micro	micro	ADJ
fbem-21442	156	22	enterprises	enterprise	NOUN
fbem-21442	156	23	obtain	obtain	VERB
fbem-21442	156	24	financing	financing	NOUN
fbem-21442	156	25	,	,	PUNCT
fbem-21442	156	26	promote	promote	VERB
fbem-21442	156	27	their	their	PRON
fbem-21442	156	28	business	business	NOUN
fbem-21442	156	29	development	development	NOUN
fbem-21442	156	30	,	,	PUNCT
fbem-21442	156	31	and	and	CCONJ
fbem-21442	156	32	thus	thus	ADV
fbem-21442	156	33	increase	increase	VERB
fbem-21442	156	34	employment	employment	NOUN
fbem-21442	156	35	and	and	CCONJ
fbem-21442	156	36	consumption	consumption	NOUN
fbem-21442	156	37	.	.	PUNCT
fbem-21442	157	1	column	column	NOUN
fbem-21442	157	2	(	(	PUNCT
fbem-21442	157	3	6	6	NUM
fbem-21442	157	4	)	)	PUNCT
fbem-21442	157	5	of	of	ADP
fbem-21442	157	6	table	table	NOUN
fbem-21442	157	7	3	3	NUM
fbem-21442	157	8	shows	show	VERB
fbem-21442	157	9	that	that	SCONJ
fbem-21442	157	10	digital	digital	ADJ
fbem-21442	157	11	inclusive	inclusive	ADJ
fbem-21442	157	12	finance	finance	NOUN
fbem-21442	157	13	significantly	significantly	ADV
fbem-21442	157	14	promotes	promote	VERB
fbem-21442	157	15	consumer	consumer	NOUN
fbem-21442	157	16	credit	credit	NOUN
fbem-21442	157	17	,	,	PUNCT
fbem-21442	157	18	with	with	ADP
fbem-21442	157	19	a	a	DET
fbem-21442	157	20	coefficient	coefficient	NOUN
fbem-21442	157	21	of	of	ADP
fbem-21442	157	22	1.579	1.579	NUM
fbem-21442	157	23	.	.	PUNCT
fbem-21442	158	1	from	from	ADP
fbem-21442	158	2	the	the	DET
fbem-21442	158	3	regression	regression	NOUN
fbem-21442	158	4	results	result	NOUN
fbem-21442	158	5	in	in	ADP
fbem-21442	158	6	column	column	NOUN
fbem-21442	158	7	(	(	PUNCT
fbem-21442	158	8	7	7	NUM
fbem-21442	158	9	)	)	PUNCT
fbem-21442	158	10	of	of	ADP
fbem-21442	158	11	table	table	NOUN
fbem-21442	158	12	3	3	NUM
fbem-21442	158	13	,	,	PUNCT
fbem-21442	158	14	it	it	PRON
fbem-21442	158	15	can	can	AUX
fbem-21442	158	16	be	be	AUX
fbem-21442	158	17	seen	see	VERB
fbem-21442	158	18	that	that	SCONJ
fbem-21442	158	19	when	when	SCONJ
fbem-21442	158	20	consumer	consumer	NOUN
fbem-21442	158	21	credit	credit	NOUN
fbem-21442	158	22	is	be	AUX
fbem-21442	158	23	added	add	VERB
fbem-21442	158	24	to	to	ADP
fbem-21442	158	25	the	the	DET
fbem-21442	158	26	explanatory	explanatory	ADJ
fbem-21442	158	27	variable	variable	NOUN
fbem-21442	158	28	for	for	ADP
fbem-21442	158	29	regression	regression	NOUN
fbem-21442	158	30	analysis	analysis	NOUN
fbem-21442	158	31	,	,	PUNCT
fbem-21442	158	32	the	the	DET
fbem-21442	158	33	impact	impact	NOUN
fbem-21442	158	34	of	of	ADP
fbem-21442	158	35	digital	digital	ADJ
fbem-21442	158	36	inclusive	inclusive	ADJ
fbem-21442	158	37	finance	finance	NOUN
fbem-21442	158	38	on	on	ADP
fbem-21442	158	39	improving	improve	VERB
fbem-21442	158	40	the	the	DET
fbem-21442	158	41	level	level	NOUN
fbem-21442	158	42	of	of	ADP
fbem-21442	158	43	household	household	NOUN
fbem-21442	158	44	consumption	consumption	NOUN
fbem-21442	158	45	is	be	AUX
fbem-21442	158	46	still	still	ADV
fbem-21442	158	47	significant	significant	ADJ
fbem-21442	158	48	,	,	PUNCT
fbem-21442	158	49	and	and	CCONJ
fbem-21442	158	50	the	the	DET
fbem-21442	158	51	regression	regression	NOUN
fbem-21442	158	52	coefficient	coefficient	NOUN
fbem-21442	158	53	is	be	AUX
fbem-21442	158	54	0.704	0.704	NUM
fbem-21442	158	55	,	,	PUNCT
fbem-21442	158	56	indicating	indicate	VERB
fbem-21442	158	57	that	that	SCONJ
fbem-21442	158	58	digital	digital	ADJ
fbem-21442	158	59	inclusive	inclusive	ADJ
fbem-21442	158	60	finance	finance	NOUN
fbem-21442	158	61	increases	increase	VERB
fbem-21442	158	62	household	household	NOUN
fbem-21442	158	63	consumption	consumption	NOUN
fbem-21442	158	64	by	by	ADP
fbem-21442	158	65	increasing	increase	VERB
fbem-21442	158	66	consumer	consumer	NOUN
fbem-21442	158	67	credit	credit	NOUN
fbem-21442	158	68	.	.	PUNCT
fbem-21442	159	1	hypothesis	hypothesis	NOUN
fbem-21442	159	2	4	4	NUM
fbem-21442	159	3	holds	hold	NOUN
fbem-21442	159	4	.	.	PUNCT
fbem-21442	160	1	table	table	NOUN
fbem-21442	160	2	3	3	NUM
fbem-21442	160	3	.	.	PUNCT
fbem-21442	160	4	mediating	mediate	VERB
fbem-21442	160	5	mechanism	mechanism	NOUN
fbem-21442	160	6	effect	effect	NOUN
fbem-21442	160	7	(	(	PUNCT
fbem-21442	160	8	1	1	NUM
fbem-21442	160	9	)	)	PUNCT
fbem-21442	160	10	(	(	PUNCT
fbem-21442	160	11	2	2	NUM
fbem-21442	160	12	)	)	PUNCT
fbem-21442	160	13	(	(	PUNCT
fbem-21442	160	14	3	3	X
fbem-21442	160	15	)	)	PUNCT
fbem-21442	160	16	(	(	PUNCT
fbem-21442	160	17	4	4	NUM
fbem-21442	160	18	)	)	PUNCT
fbem-21442	160	19	(	(	PUNCT
fbem-21442	160	20	5	5	NUM
fbem-21442	160	21	)	)	PUNCT
fbem-21442	160	22	(	(	PUNCT
fbem-21442	160	23	6	6	NUM
fbem-21442	160	24	)	)	PUNCT
fbem-21442	160	25	(	(	PUNCT
fbem-21442	160	26	7	7	X
fbem-21442	160	27	)	)	PUNCT
fbem-21442	160	28	consume	consume	VERB
fbem-21442	160	29	ri	ri	X
fbem-21442	160	30	consume	consume	VERB
fbem-21442	160	31	ei	ei	ADP
fbem-21442	160	32	consume	consume	PROPN
fbem-21442	160	33	loan	loan	PROPN
fbem-21442	160	34	consume	consume	PROPN
fbem-21442	160	35	index	index	NOUN
fbem-21442	160	36	0.881	0.881	NUM
fbem-21442	160	37	*	*	PUNCT
fbem-21442	160	38	*	*	PUNCT
fbem-21442	160	39	*	*	PUNCT
fbem-21442	160	40	0.919	0.919	NUM
fbem-21442	160	41	*	*	PUNCT
fbem-21442	160	42	*	*	PUNCT
fbem-21442	160	43	*	*	PUNCT
fbem-21442	160	44	0.660	0.660	NUM
fbem-21442	160	45	*	*	PUNCT
fbem-21442	160	46	*	*	PUNCT
fbem-21442	160	47	*	*	PUNCT
fbem-21442	160	48	0.735	0.735	NUM
fbem-21442	160	49	*	*	PUNCT
fbem-21442	160	50	*	*	PUNCT
fbem-21442	160	51	*	*	NOUN
fbem-21442	160	52	0.866	0.866	NUM
fbem-21442	160	53	*	*	PUNCT
fbem-21442	160	54	*	*	PUNCT
fbem-21442	160	55	*	*	PUNCT
fbem-21442	160	56	1.579	1.579	NUM
fbem-21442	160	57	*	*	PUNCT
fbem-21442	160	58	*	*	PUNCT
fbem-21442	160	59	*	*	PUNCT
fbem-21442	160	60	0.704	0.704	NUM
fbem-21442	160	61	*	*	PUNCT
fbem-21442	160	62	*	*	PUNCT
fbem-21442	160	63	*	*	PUNCT
fbem-21442	160	64	ri	ri	PROPN
fbem-21442	160	65	ei	ei	X
fbem-21442	160	66	loan	loan	NOUN
fbem-21442	160	67	(	(	PUNCT
fbem-21442	160	68	20.807	20.807	NUM
fbem-21442	160	69	)	)	PUNCT
fbem-21442	160	70	(	(	PUNCT
fbem-21442	160	71	27.872	27.872	NUM
fbem-21442	160	72	)	)	PUNCT
fbem-21442	160	73	(	(	PUNCT
fbem-21442	160	74	11.050	11.050	NUM
fbem-21442	160	75	)	)	PUNCT
fbem-21442	160	76	0.240	0.240	NUM
fbem-21442	161	1	*	*	PUNCT
fbem-21442	161	2	*	*	PUNCT
fbem-21442	161	3	*	*	PUNCT
fbem-21442	161	4	(	(	PUNCT
fbem-21442	161	5	4.169	4.169	NUM
fbem-21442	161	6	)	)	PUNCT
fbem-21442	161	7	(	(	PUNCT
fbem-21442	161	8	5.708	5.708	NUM
fbem-21442	161	9	)	)	PUNCT
fbem-21442	161	10	(	(	PUNCT
fbem-21442	161	11	20.104	20.104	NUM
fbem-21442	161	12	)	)	PUNCT
fbem-21442	161	13	0.019	0.019	NUM
fbem-21442	161	14	(	(	PUNCT
fbem-21442	161	15	1.238	1.238	NUM
fbem-21442	161	16	)	)	PUNCT
fbem-21442	161	17	(	(	PUNCT
fbem-21442	161	18	14.174	14.174	NUM
fbem-21442	161	19	)	)	PUNCT
fbem-21442	161	20	(	(	PUNCT
fbem-21442	161	21	10.136	10.136	NUM
fbem-21442	161	22	)	)	PUNCT
fbem-21442	161	23	0.112	0.112	NUM
fbem-21442	161	24	*	*	PUNCT
fbem-21442	161	25	*	*	PUNCT
fbem-21442	161	26	(	(	PUNCT
fbem-21442	161	27	3.173	3.173	NUM
fbem-21442	161	28	)	)	PUNCT
fbem-21442	161	29	income	income	NOUN
fbem-21442	161	30	-0.318	-0.318	NOUN
fbem-21442	161	31	*	*	PUNCT
fbem-21442	161	32	*	*	PUNCT
fbem-21442	161	33	*	*	PUNCT
fbem-21442	162	1	-0.415	-0.415	PUNCT
fbem-21442	162	2	*	*	PUNCT
fbem-21442	162	3	*	*	PUNCT
fbem-21442	162	4	*	*	PUNCT
fbem-21442	162	5	-0.218	-0.218	ADJ
fbem-21442	162	6	*	*	PUNCT
fbem-21442	162	7	*	*	PROPN
fbem-21442	162	8	-0.526	-0.526	NOUN
fbem-21442	162	9	*	*	PUNCT
fbem-21442	163	1	-0.308	-0.308	PUNCT
fbem-21442	163	2	*	*	PUNCT
fbem-21442	163	3	*	*	PUNCT
fbem-21442	163	4	*	*	PUNCT
fbem-21442	163	5	-0.618	-0.618	PUNCT
fbem-21442	163	6	*	*	PUNCT
fbem-21442	163	7	*	*	PUNCT
fbem-21442	163	8	*	*	PUNCT
fbem-21442	163	9	-0.248	-0.248	PUNCT
fbem-21442	163	10	*	*	PUNCT
fbem-21442	163	11	*	*	PUNCT
fbem-21442	163	12	*	*	PUNCT
fbem-21442	163	13	(	(	PUNCT
fbem-21442	163	14	-5.764	-5.764	NOUN
fbem-21442	163	15	)	)	PUNCT
fbem-21442	163	16	(	(	PUNCT
fbem-21442	163	17	-7.135	-7.135	NOUN
fbem-21442	163	18	)	)	PUNCT
fbem-21442	163	19	(	(	PUNCT
fbem-21442	163	20	-3.272	-3.272	NOUN
fbem-21442	163	21	)	)	PUNCT
fbem-21442	163	22	(	(	PUNCT
fbem-21442	163	23	-2.603	-2.603	NOUN
fbem-21442	163	24	)	)	PUNCT
fbem-21442	163	25	(	(	PUNCT
fbem-21442	163	26	-5.442	-5.442	X
fbem-21442	163	27	)	)	PUNCT
fbem-21442	163	28	(	(	PUNCT
fbem-21442	163	29	-5.922	-5.922	NUM
fbem-21442	163	30	)	)	PUNCT
fbem-21442	163	31	(	(	PUNCT
fbem-21442	163	32	-4.169	-4.169	PROPN
fbem-21442	163	33	)	)	PUNCT
fbem-21442	163	34	ur	ur	NOUN
fbem-21442	164	1	0.001	0.001	NUM
fbem-21442	164	2	*	*	SYM
fbem-21442	164	3	0.001	0.001	NUM
fbem-21442	164	4	*	*	NUM
fbem-21442	164	5	0.001	0.001	NUM
fbem-21442	164	6	*	*	NUM
fbem-21442	164	7	0.003	0.003	NUM
fbem-21442	164	8	0.001	0.001	NUM
fbem-21442	164	9	*	*	PUNCT
fbem-21442	164	10	0.001	0.001	NUM
fbem-21442	164	11	0.001	0.001	NUM
fbem-21442	164	12	*	*	SYM
fbem-21442	164	13	(	(	PUNCT
fbem-21442	164	14	2.314	2.314	NUM
fbem-21442	164	15	)	)	PUNCT
fbem-21442	164	16	(	(	PUNCT
fbem-21442	164	17	2.069	2.069	NUM
fbem-21442	164	18	)	)	PUNCT
fbem-21442	164	19	(	(	PUNCT
fbem-21442	164	20	2.054	2.054	NUM
fbem-21442	164	21	)	)	PUNCT
fbem-21442	164	22	(	(	PUNCT
fbem-21442	164	23	1.882	1.882	NUM
fbem-21442	164	24	)	)	PUNCT
fbem-21442	164	25	(	(	PUNCT
fbem-21442	164	26	2.273	2.273	NUM
fbem-21442	164	27	)	)	PUNCT
fbem-21442	164	28	(	(	PUNCT
fbem-21442	164	29	1.437	1.437	NUM
fbem-21442	164	30	)	)	PUNCT
fbem-21442	164	31	(	(	PUNCT
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fbem-21442	164	33	)	)	PUNCT
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fbem-21442	164	37	*	*	PUNCT
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fbem-21442	164	39	0.002	0.002	NUM
fbem-21442	164	40	-0.001	-0.001	NUM
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fbem-21442	164	42	*	*	PUNCT
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fbem-21442	164	44	*	*	PUNCT
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fbem-21442	164	46	(	(	PUNCT
fbem-21442	164	47	-0.872	-0.872	PROPN
fbem-21442	164	48	)	)	PUNCT
fbem-21442	164	49	(	(	PUNCT
fbem-21442	164	50	-2.495	-2.495	NUM
fbem-21442	164	51	)	)	PUNCT
fbem-21442	164	52	(	(	PUNCT
fbem-21442	164	53	-0.375	-0.375	PUNCT
fbem-21442	164	54	)	)	PUNCT
fbem-21442	164	55	(	(	PUNCT
fbem-21442	164	56	1.421	1.421	NUM
fbem-21442	164	57	)	)	PUNCT
fbem-21442	164	58	(	(	PUNCT
fbem-21442	164	59	-0.992	-0.992	ADJ
fbem-21442	164	60	)	)	PUNCT
fbem-21442	164	61	(	(	PUNCT
fbem-21442	164	62	-4.027	-4.027	NOUN
fbem-21442	164	63	)	)	PUNCT
fbem-21442	164	64	(	(	PUNCT
fbem-21442	164	65	-0.204	-0.204	X
fbem-21442	164	66	)	)	PUNCT
fbem-21442	164	67	unemp	unemp	NOUN
fbem-21442	164	68	-0.001	-0.001	NOUN
fbem-21442	164	69	0.001	0.001	NUM
fbem-21442	164	70	-0.002	-0.002	PUNCT
fbem-21442	164	71	-0.004	-0.004	PUNCT
fbem-21442	164	72	-0.001	-0.001	NUM
fbem-21442	164	73	-0.003	-0.003	NOUN
fbem-21442	164	74	-0.001	-0.001	PUNCT
fbem-21442	164	75	(	(	PUNCT
fbem-21442	164	76	-0.327	-0.327	PROPN
fbem-21442	164	77	)	)	PUNCT
fbem-21442	164	78	(	(	PUNCT
fbem-21442	164	79	0.196	0.196	NUM
fbem-21442	164	80	)	)	PUNCT
fbem-21442	164	81	(	(	PUNCT
fbem-21442	164	82	-0.366	-0.366	X
fbem-21442	164	83	)	)	PUNCT
fbem-21442	164	84	(	(	PUNCT
fbem-21442	164	85	-0.269	-0.269	NUM
fbem-21442	164	86	)	)	PUNCT
fbem-21442	164	87	(	(	PUNCT
fbem-21442	164	88	-0.308	-0.308	NOUN
fbem-21442	164	89	)	)	PUNCT
fbem-21442	164	90	(	(	PUNCT
fbem-21442	164	91	-0.281	-0.281	X
fbem-21442	164	92	)	)	PUNCT
fbem-21442	164	93	(	(	PUNCT
fbem-21442	164	94	-0.258	-0.258	X
fbem-21442	164	95	)	)	PUNCT
fbem-21442	164	96	eco	eco	PROPN
fbem-21442	164	97	-0.019	-0.019	PUNCT
fbem-21442	164	98	-0.025	-0.025	PUNCT
fbem-21442	164	99	*	*	PUNCT
fbem-21442	164	100	-0.013	-0.013	NOUN
fbem-21442	164	101	0.015	0.015	NUM
fbem-21442	164	102	-0.019	-0.019	X
fbem-21442	164	103	-0.026	-0.026	X
fbem-21442	164	104	*	*	NOUN
fbem-21442	164	105	-0.016	-0.016	PRON
fbem-21442	164	106	(	(	PUNCT
fbem-21442	164	107	-1.524	-1.524	PROPN
fbem-21442	164	108	)	)	PUNCT
fbem-21442	164	109	(	(	PUNCT
fbem-21442	164	110	-2.176	-2.176	NOUN
fbem-21442	164	111	)	)	PUNCT
fbem-21442	164	112	(	(	PUNCT
fbem-21442	164	113	-1.256	-1.256	PROPN
fbem-21442	164	114	)	)	PUNCT
fbem-21442	164	115	(	(	PUNCT
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fbem-21442	164	117	)	)	PUNCT
fbem-21442	164	118	(	(	PUNCT
fbem-21442	164	119	-1.531	-1.531	NUM
fbem-21442	164	120	)	)	PUNCT
fbem-21442	164	121	(	(	PUNCT
fbem-21442	164	122	-2.045	-2.045	NOUN
fbem-21442	164	123	)	)	PUNCT
fbem-21442	164	124	(	(	PUNCT
fbem-21442	164	125	-1.355	-1.355	X
fbem-21442	164	126	)	)	PUNCT
fbem-21442	164	127	gov	gov	NOUN
fbem-21442	164	128	0.048	0.048	NUM
fbem-21442	164	129	0.091	0.091	NUM
fbem-21442	164	130	*	*	PUNCT
fbem-21442	164	131	*	*	PUNCT
fbem-21442	164	132	*	*	PROPN
fbem-21442	164	133	0.026	0.026	NUM
fbem-21442	164	134	-0.005	-0.005	PUNCT
fbem-21442	164	135	0.048	0.048	NUM
fbem-21442	164	136	0.298	0.298	NUM
fbem-21442	164	137	*	*	SYM
fbem-21442	164	138	0.015	0.015	NUM
fbem-21442	164	139	(	(	PUNCT
fbem-21442	164	140	1.886	1.886	NUM
fbem-21442	164	141	)	)	PUNCT
fbem-21442	164	142	(	(	PUNCT
fbem-21442	164	143	3.476	3.476	NUM
fbem-21442	164	144	)	)	PUNCT
fbem-21442	164	145	(	(	PUNCT
fbem-21442	164	146	1.125	1.125	NUM
fbem-21442	164	147	)	)	PUNCT
fbem-21442	164	148	(	(	PUNCT
fbem-21442	164	149	-0.099	-0.099	NOUN
fbem-21442	164	150	)	)	PUNCT
fbem-21442	164	151	(	(	PUNCT
fbem-21442	164	152	1.900	1.900	NUM
fbem-21442	164	153	)	)	PUNCT
fbem-21442	164	154	(	(	PUNCT
fbem-21442	164	155	2.298	2.298	NUM
fbem-21442	164	156	)	)	PUNCT
fbem-21442	164	157	(	(	PUNCT
fbem-21442	164	158	0.704	0.704	NUM
fbem-21442	164	159	)	)	PUNCT
fbem-21442	164	160	road	road	NOUN
fbem-21442	164	161	0.002	0.002	NUM
fbem-21442	164	162	0.018	0.018	NUM
fbem-21442	164	163	*	*	PUNCT
fbem-21442	164	164	-0.002	-0.002	PUNCT
fbem-21442	164	165	-0.039	-0.039	PUNCT
fbem-21442	164	166	0.003	0.003	NUM
fbem-21442	164	167	0.020	0.020	NUM
fbem-21442	164	168	0.000	0.000	NUM
fbem-21442	164	169	(	(	PUNCT
fbem-21442	164	170	0.227	0.227	NUM
fbem-21442	164	171	)	)	PUNCT
fbem-21442	164	172	(	(	PUNCT
fbem-21442	164	173	2.347	2.347	NUM
fbem-21442	164	174	)	)	PUNCT
fbem-21442	164	175	(	(	PUNCT
fbem-21442	164	176	-0.199	-0.199	ADJ
fbem-21442	164	177	)	)	PUNCT
fbem-21442	164	178	(	(	PUNCT
fbem-21442	164	179	-1.447	-1.447	NOUN
fbem-21442	164	180	)	)	PUNCT
fbem-21442	164	181	(	(	PUNCT
fbem-21442	164	182	0.301	0.301	NUM
fbem-21442	164	183	)	)	PUNCT
fbem-21442	164	184	(	(	PUNCT
fbem-21442	164	185	1.309	1.309	NUM
fbem-21442	164	186	)	)	PUNCT
fbem-21442	164	187	(	(	PUNCT
fbem-21442	164	188	0.015	0.015	NUM
fbem-21442	164	189	)	)	PUNCT
fbem-21442	164	190	open	open	ADJ
fbem-21442	164	191	0.000	0.000	NUM
fbem-21442	164	192	*	*	PUNCT
fbem-21442	164	193	*	*	PUNCT
fbem-21442	164	194	*	*	PUNCT
fbem-21442	164	195	-0.000	-0.000	PUNCT
fbem-21442	164	196	*	*	PUNCT
fbem-21442	164	197	*	*	PUNCT
fbem-21442	164	198	*	*	PUNCT
fbem-21442	164	199	0.000	0.000	NUM
fbem-21442	164	200	*	*	PUNCT
fbem-21442	164	201	*	*	PUNCT
fbem-21442	164	202	*	*	PUNCT
fbem-21442	164	203	-0.000	-0.000	PROPN
fbem-21442	164	204	*	*	PUNCT
fbem-21442	164	205	*	*	PUNCT
fbem-21442	164	206	0.000	0.000	PUNCT
fbem-21442	164	207	*	*	PUNCT
fbem-21442	164	208	*	*	PUNCT
fbem-21442	164	209	*	*	PUNCT
fbem-21442	164	210	-0.000	-0.000	PUNCT
fbem-21442	164	211	*	*	PUNCT
fbem-21442	164	212	*	*	PUNCT
fbem-21442	164	213	*	*	PUNCT
fbem-21442	164	214	0.000	0.000	NUM
fbem-21442	164	215	*	*	PUNCT
fbem-21442	164	216	*	*	PUNCT
fbem-21442	164	217	*	*	PUNCT
fbem-21442	164	218	(	(	PUNCT
fbem-21442	164	219	8.518	8.518	NUM
fbem-21442	164	220	)	)	PUNCT
fbem-21442	164	221	(	(	PUNCT
fbem-21442	164	222	-10.314	-10.314	PROPN
fbem-21442	164	223	)	)	PUNCT
fbem-21442	164	224	(	(	PUNCT
fbem-21442	164	225	9.441	9.441	NUM
fbem-21442	164	226	)	)	PUNCT
fbem-21442	164	227	(	(	PUNCT
fbem-21442	164	228	-2.770	-2.770	NOUN
fbem-21442	164	229	)	)	PUNCT
fbem-21442	164	230	(	(	PUNCT
fbem-21442	164	231	8.601	8.601	NUM
fbem-21442	164	232	)	)	PUNCT
fbem-21442	164	233	(	(	PUNCT
fbem-21442	164	234	-4.423	-4.423	NOUN
fbem-21442	164	235	)	)	PUNCT
fbem-21442	164	236	(	(	PUNCT
fbem-21442	164	237	8.804	8.804	NUM
fbem-21442	164	238	)	)	PUNCT
fbem-21442	164	239	indus	indus	VERB
fbem-21442	164	240	0.002	0.002	NUM
fbem-21442	164	241	*	*	NOUN
fbem-21442	164	242	0.001	0.001	NUM
fbem-21442	164	243	0.001	0.001	NUM
fbem-21442	164	244	*	*	NOUN
fbem-21442	164	245	0.004	0.004	NUM
fbem-21442	164	246	0.002	0.002	NUM
fbem-21442	164	247	*	*	PUNCT
fbem-21442	164	248	0.000	0.000	NUM
fbem-21442	164	249	0.002	0.002	NUM
fbem-21442	164	250	*	*	PUNCT
fbem-21442	164	251	(	(	PUNCT
fbem-21442	164	252	2.445	2.445	NUM
fbem-21442	164	253	)	)	PUNCT
fbem-21442	164	254	(	(	PUNCT
fbem-21442	164	255	1.940	1.940	NUM
fbem-21442	164	256	)	)	PUNCT
fbem-21442	164	257	(	(	PUNCT
fbem-21442	164	258	2.069	2.069	NUM
fbem-21442	164	259	)	)	PUNCT
fbem-21442	164	260	(	(	PUNCT
fbem-21442	164	261	1.286	1.286	NUM
fbem-21442	164	262	)	)	PUNCT
fbem-21442	164	263	(	(	PUNCT
fbem-21442	164	264	2.326	2.326	NUM
fbem-21442	164	265	)	)	PUNCT
fbem-21442	164	266	(	(	PUNCT
fbem-21442	164	267	0.239	0.239	NUM
fbem-21442	164	268	)	)	PUNCT
fbem-21442	164	269	(	(	PUNCT
fbem-21442	164	270	2.398	2.398	NUM
fbem-21442	164	271	)	)	PUNCT
fbem-21442	164	272	cons	con	NOUN
fbem-21442	164	273	5.452	5.452	NUM
fbem-21442	164	274	*	*	PUNCT
fbem-21442	164	275	*	*	PUNCT
fbem-21442	164	276	*	*	PUNCT
fbem-21442	165	1	5.594	5.594	NUM
fbem-21442	165	2	*	*	PUNCT
fbem-21442	165	3	*	*	PUNCT
fbem-21442	165	4	*	*	PUNCT
fbem-21442	165	5	4.108	4.108	NUM
fbem-21442	165	6	*	*	PUNCT
fbem-21442	165	7	*	*	PUNCT
fbem-21442	165	8	*	*	PUNCT
fbem-21442	165	9	1.312	1.312	NUM
fbem-21442	165	10	5.427	5.427	NUM
fbem-21442	165	11	*	*	PUNCT
fbem-21442	165	12	*	*	PUNCT
fbem-21442	165	13	*	*	PUNCT
fbem-21442	165	14	-1.188	-1.188	PUNCT
fbem-21442	165	15	5.586	5.586	NUM
fbem-21442	165	16	*	*	PUNCT
fbem-21442	165	17	*	*	PUNCT
fbem-21442	165	18	*	*	PUNCT
fbem-21442	165	19	(	(	PUNCT
fbem-21442	165	20	18.728	18.728	NUM
fbem-21442	165	21	)	)	PUNCT
fbem-21442	165	22	(	(	PUNCT
fbem-21442	165	23	22.775	22.775	NUM
fbem-21442	165	24	)	)	PUNCT
fbem-21442	165	25	(	(	PUNCT
fbem-21442	165	26	9.074	9.074	NUM
fbem-21442	165	27	)	)	PUNCT
fbem-21442	165	28	(	(	PUNCT
fbem-21442	165	29	1.202	1.202	NUM
fbem-21442	165	30	)	)	PUNCT
fbem-21442	165	31	(	(	PUNCT
fbem-21442	165	32	18.537	18.537	NUM
fbem-21442	165	33	)	)	PUNCT
fbem-21442	165	34	(	(	PUNCT
fbem-21442	165	35	-1.903	-1.903	NOUN
fbem-21442	165	36	)	)	PUNCT
fbem-21442	165	37	(	(	PUNCT
fbem-21442	165	38	19.961	19.961	NUM
fbem-21442	165	39	)	)	PUNCT
fbem-21442	165	40	n	n	PRON
fbem-21442	165	41	784	784	NUM
fbem-21442	165	42	784	784	NUM
fbem-21442	165	43	784	784	NUM
fbem-21442	165	44	784	784	NUM
fbem-21442	165	45	784	784	NUM
fbem-21442	165	46	784	784	NUM
fbem-21442	165	47	784	784	NUM
fbem-21442	165	48	r2	r2	NOUN
fbem-21442	165	49	0.901	0.901	NUM
fbem-21442	165	50	0.931	0.931	NUM
fbem-21442	165	51	0.906	0.906	NUM
fbem-21442	165	52	0.611	0.611	NUM
fbem-21442	165	53	0.901	0.901	NUM
fbem-21442	165	54	0.941	0.941	NUM
fbem-21442	165	55	0.903	0.903	NUM
fbem-21442	165	56	4.3	4.3	NUM
fbem-21442	165	57	.	.	PUNCT
fbem-21442	166	1	analysis	analysis	NOUN
fbem-21442	166	2	of	of	ADP
fbem-21442	166	3	heterogeneity	heterogeneity	NOUN
fbem-21442	166	4	4.3.1	4.3.1	NUM
fbem-21442	166	5	.	.	PUNCT
fbem-21442	167	1	regional	regional	ADJ
fbem-21442	167	2	heterogeneity	heterogeneity	NOUN
fbem-21442	167	3	in	in	ADP
fbem-21442	167	4	order	order	NOUN
fbem-21442	167	5	to	to	PART
fbem-21442	167	6	further	far	ADV
fbem-21442	167	7	explore	explore	VERB
fbem-21442	167	8	whether	whether	SCONJ
fbem-21442	167	9	the	the	DET
fbem-21442	167	10	promotion	promotion	NOUN
fbem-21442	167	11	effect	effect	NOUN
fbem-21442	167	12	of	of	ADP
fbem-21442	167	13	digital	digital	ADJ
fbem-21442	167	14	inclusive	inclusive	ADJ
fbem-21442	167	15	finance	finance	NOUN
fbem-21442	167	16	on	on	ADP
fbem-21442	167	17	household	household	NOUN
fbem-21442	167	18	consumption	consumption	NOUN
fbem-21442	167	19	is	be	AUX
fbem-21442	167	20	different	different	ADJ
fbem-21442	167	21	in	in	ADP
fbem-21442	167	22	the	the	DET
fbem-21442	167	23	11	11	NUM
fbem-21442	167	24	provinces	province	NOUN
fbem-21442	167	25	and	and	CCONJ
fbem-21442	167	26	cities	city	NOUN
fbem-21442	167	27	along	along	ADP
fbem-21442	167	28	the	the	DET
fbem-21442	167	29	yangtze	yangtze	PROPN
fbem-21442	167	30	river	river	PROPN
fbem-21442	167	31	economic	economic	ADJ
fbem-21442	167	32	belt	belt	NOUN
fbem-21442	167	33	due	due	ADP
fbem-21442	167	34	to	to	ADP
fbem-21442	167	35	differences	difference	NOUN
fbem-21442	167	36	in	in	ADP
fbem-21442	167	37	geographical	geographical	ADJ
fbem-21442	167	38	location	location	NOUN
fbem-21442	167	39	and	and	CCONJ
fbem-21442	167	40	economic	economic	ADJ
fbem-21442	167	41	development	development	NOUN
fbem-21442	167	42	level	level	NOUN
fbem-21442	167	43	,	,	PUNCT
fbem-21442	167	44	this	this	DET
fbem-21442	167	45	paper	paper	NOUN
fbem-21442	167	46	conducts	conduct	NOUN
fbem-21442	167	47	regression	regression	VERB
fbem-21442	167	48	analysis	analysis	NOUN
fbem-21442	167	49	on	on	ADP
fbem-21442	167	50	the	the	DET
fbem-21442	167	51	panel	panel	NOUN
fbem-21442	167	52	data	datum	NOUN
fbem-21442	167	53	in	in	ADP
fbem-21442	167	54	the	the	DET
fbem-21442	167	55	middle	middle	ADJ
fbem-21442	167	56	and	and	CCONJ
fbem-21442	167	57	lower	low	ADJ
fbem-21442	167	58	reaches	reach	NOUN
fbem-21442	167	59	of	of	ADP
fbem-21442	167	60	the	the	DET
fbem-21442	167	61	yangtze	yangtze	PROPN
fbem-21442	167	62	river	river	PROPN
fbem-21442	167	63	economic	economic	ADJ
fbem-21442	167	64	belt	belt	NOUN
fbem-21442	167	65	during	during	ADP
fbem-21442	167	66	the	the	DET
fbem-21442	167	67	investigation	investigation	NOUN
fbem-21442	167	68	period	period	NOUN
fbem-21442	167	69	.	.	PUNCT
fbem-21442	168	1	from	from	ADP
fbem-21442	168	2	columns	column	NOUN
fbem-21442	168	3	(	(	PUNCT
fbem-21442	168	4	1	1	NUM
fbem-21442	168	5	)	)	PUNCT
fbem-21442	168	6	(	(	PUNCT
fbem-21442	168	7	3	3	X
fbem-21442	168	8	)	)	PUNCT
fbem-21442	168	9	of	of	ADP
fbem-21442	168	10	table	table	NOUN
fbem-21442	168	11	4	4	NUM
fbem-21442	168	12	,	,	PUNCT
fbem-21442	168	13	it	it	PRON
fbem-21442	168	14	can	can	AUX
fbem-21442	168	15	be	be	AUX
fbem-21442	168	16	seen	see	VERB
fbem-21442	168	17	that	that	SCONJ
fbem-21442	168	18	no	no	PRON
fbem-21442	168	19	matter	matter	NOUN
fbem-21442	168	20	in	in	ADP
fbem-21442	168	21	the	the	DET
fbem-21442	168	22	upstream	upstream	NOUN
fbem-21442	168	23	,	,	PUNCT
fbem-21442	168	24	middle	middle	ADJ
fbem-21442	168	25	and	and	CCONJ
fbem-21442	168	26	downstream	downstream	ADJ
fbem-21442	168	27	regions	region	NOUN
fbem-21442	168	28	,	,	PUNCT
fbem-21442	168	29	the	the	DET
fbem-21442	168	30	promotion	promotion	NOUN
fbem-21442	168	31	effect	effect	NOUN
fbem-21442	168	32	of	of	ADP
fbem-21442	168	33	digital	digital	ADJ
fbem-21442	168	34	inclusive	inclusive	ADJ
fbem-21442	168	35	finance	finance	NOUN
fbem-21442	168	36	on	on	ADP
fbem-21442	168	37	household	household	NOUN
fbem-21442	168	38	consumption	consumption	NOUN
fbem-21442	168	39	is	be	AUX
fbem-21442	168	40	very	very	ADV
fbem-21442	168	41	significant	significant	ADJ
fbem-21442	168	42	.	.	PUNCT
fbem-21442	169	1	however	however	ADV
fbem-21442	169	2	,	,	PUNCT
fbem-21442	169	3	digital	digital	ADJ
fbem-21442	169	4	inclusive	inclusive	ADJ
fbem-21442	169	5	finance	finance	NOUN
fbem-21442	169	6	plays	play	VERB
fbem-21442	169	7	the	the	DET
fbem-21442	169	8	largest	large	ADJ
fbem-21442	169	9	role	role	NOUN
fbem-21442	169	10	in	in	ADP
fbem-21442	169	11	promoting	promote	VERB
fbem-21442	169	12	the	the	DET
fbem-21442	169	13	consumption	consumption	NOUN
fbem-21442	169	14	level	level	NOUN
fbem-21442	169	15	of	of	ADP
fbem-21442	169	16	residents	resident	NOUN
fbem-21442	169	17	in	in	ADP
fbem-21442	169	18	the	the	DET
fbem-21442	169	19	midstream	midstream	NOUN
fbem-21442	169	20	region	region	NOUN
fbem-21442	169	21	,	,	PUNCT
fbem-21442	169	22	followed	follow	VERB
fbem-21442	169	23	by	by	ADP
fbem-21442	169	24	the	the	DET
fbem-21442	169	25	downstream	downstream	ADJ
fbem-21442	169	26	region	region	NOUN
fbem-21442	169	27	,	,	PUNCT
fbem-21442	169	28	and	and	CCONJ
fbem-21442	169	29	finally	finally	ADV
fbem-21442	169	30	the	the	DET
fbem-21442	169	31	upstream	upstream	ADJ
fbem-21442	169	32	region	region	NOUN
fbem-21442	169	33	.	.	PUNCT
fbem-21442	170	1	the	the	DET
fbem-21442	170	2	reason	reason	NOUN
fbem-21442	170	3	may	may	AUX
fbem-21442	170	4	be	be	AUX
fbem-21442	170	5	that	that	SCONJ
fbem-21442	170	6	the	the	DET
fbem-21442	170	7	midstream	midstream	NOUN
fbem-21442	170	8	region	region	NOUN
fbem-21442	170	9	is	be	AUX
fbem-21442	170	10	relatively	relatively	ADV
fbem-21442	170	11	flat	flat	ADJ
fbem-21442	170	12	and	and	CCONJ
fbem-21442	170	13	is	be	AUX
fbem-21442	170	14	an	an	DET
fbem-21442	170	15	important	important	ADJ
fbem-21442	170	16	agricultural	agricultural	ADJ
fbem-21442	170	17	area	area	NOUN
fbem-21442	170	18	and	and	CCONJ
fbem-21442	170	19	industrial	industrial	ADJ
fbem-21442	170	20	base	base	NOUN
fbem-21442	170	21	.	.	PUNCT
fbem-21442	171	1	4.3.2	4.3.2	X
fbem-21442	171	2	.	.	PUNCT
fbem-21442	172	1	urban	urban	ADJ
fbem-21442	172	2	-	-	PUNCT
fbem-21442	172	3	rural	rural	ADJ
fbem-21442	172	4	heterogeneity	heterogeneity	NOUN
fbem-21442	172	5	in	in	ADP
fbem-21442	172	6	view	view	NOUN
fbem-21442	172	7	of	of	ADP
fbem-21442	172	8	the	the	DET
fbem-21442	172	9	differences	difference	NOUN
fbem-21442	172	10	in	in	ADP
fbem-21442	172	11	disposable	disposable	ADJ
fbem-21442	172	12	income	income	NOUN
fbem-21442	172	13	and	and	CCONJ
fbem-21442	172	14	consumption	consumption	NOUN
fbem-21442	172	15	concepts	concept	NOUN
fbem-21442	172	16	between	between	ADP
fbem-21442	172	17	urban	urban	ADJ
fbem-21442	172	18	residents	resident	NOUN
fbem-21442	172	19	and	and	CCONJ
fbem-21442	172	20	rural	rural	ADJ
fbem-21442	172	21	residents	resident	NOUN
fbem-21442	172	22	,	,	PUNCT
fbem-21442	172	23	the	the	DET
fbem-21442	172	24	demand	demand	NOUN
fbem-21442	172	25	and	and	CCONJ
fbem-21442	172	26	choice	choice	NOUN
fbem-21442	172	27	of	of	ADP
fbem-21442	172	28	financial	financial	ADJ
fbem-21442	172	29	services	service	NOUN
fbem-21442	172	30	and	and	CCONJ
fbem-21442	172	31	consumption	consumption	NOUN
fbem-21442	172	32	also	also	ADV
fbem-21442	172	33	show	show	VERB
fbem-21442	172	34	obvious	obvious	ADJ
fbem-21442	172	35	differences	difference	NOUN
fbem-21442	172	36	.	.	PUNCT
fbem-21442	173	1	therefore	therefore	ADV
fbem-21442	173	2	,	,	PUNCT
fbem-21442	173	3	it	it	PRON
fbem-21442	173	4	is	be	AUX
fbem-21442	173	5	necessary	necessary	ADJ
fbem-21442	173	6	to	to	PART
fbem-21442	173	7	analyze	analyze	VERB
fbem-21442	173	8	the	the	DET
fbem-21442	173	9	differences	difference	NOUN
fbem-21442	173	10	between	between	ADP
fbem-21442	173	11	urban	urban	ADJ
fbem-21442	173	12	and	and	CCONJ
fbem-21442	173	13	rural	rural	ADJ
fbem-21442	173	14	areas	area	NOUN
fbem-21442	173	15	.	.	PUNCT
fbem-21442	174	1	in	in	ADP
fbem-21442	174	2	this	this	DET
fbem-21442	174	3	paper	paper	NOUN
fbem-21442	174	4	,	,	PUNCT
fbem-21442	174	5	the	the	DET
fbem-21442	174	6	explained	explain	VERB
fbem-21442	174	7	variable	variable	NOUN
fbem-21442	174	8	is	be	AUX
fbem-21442	174	9	replaced	replace	VERB
fbem-21442	174	10	by	by	ADP
fbem-21442	174	11	the	the	DET
fbem-21442	174	12	consumption	consumption	NOUN
fbem-21442	174	13	level	level	NOUN
fbem-21442	174	14	of	of	ADP
fbem-21442	174	15	urban	urban	ADJ
fbem-21442	174	16	residents	resident	NOUN
fbem-21442	174	17	and	and	CCONJ
fbem-21442	174	18	the	the	DET
fbem-21442	174	19	consumption	consumption	NOUN
fbem-21442	174	20	level	level	NOUN
fbem-21442	174	21	of	of	ADP
fbem-21442	174	22	rural	rural	ADJ
fbem-21442	174	23	residents	resident	NOUN
fbem-21442	174	24	respectively	respectively	ADV
fbem-21442	174	25	.	.	PUNCT
fbem-21442	175	1	it	it	PRON
fbem-21442	175	2	can	can	AUX
fbem-21442	175	3	be	be	AUX
fbem-21442	175	4	clearly	clearly	ADV
fbem-21442	175	5	observed	observe	VERB
fbem-21442	175	6	from	from	ADP
fbem-21442	175	7	table	table	NOUN
fbem-21442	175	8	4	4	NUM
fbem-21442	175	9	that	that	SCONJ
fbem-21442	175	10	the	the	DET
fbem-21442	175	11	explanatory	explanatory	ADJ
fbem-21442	175	12	variable	variable	ADJ
fbem-21442	175	13	digital	digital	ADJ
fbem-21442	175	14	inclusive	inclusive	ADJ
fbem-21442	175	15	finance	finance	NOUN
fbem-21442	175	16	(	(	PUNCT
fbem-21442	175	17	index	index	NOUN
fbem-21442	175	18	)	)	PUNCT
fbem-21442	175	19	independently	independently	ADV
fbem-21442	175	20	evaluates	evaluate	VERB
fbem-21442	175	21	the	the	DET
fbem-21442	175	22	consumption	consumption	NOUN
fbem-21442	175	23	of	of	ADP
fbem-21442	175	24	urban	urban	ADJ
fbem-21442	175	25	and	and	CCONJ
fbem-21442	175	26	rural	rural	ADJ
fbem-21442	175	27	residents	resident	NOUN
fbem-21442	175	28	,	,	PUNCT
fbem-21442	175	29	and	and	CCONJ
fbem-21442	175	30	the	the	DET
fbem-21442	175	31	results	result	NOUN
fbem-21442	175	32	are	be	AUX
fbem-21442	175	33	all	all	ADV
fbem-21442	175	34	significant	significant	ADJ
fbem-21442	175	35	at	at	ADP
fbem-21442	175	36	the	the	DET
fbem-21442	175	37	level	level	NOUN
fbem-21442	175	38	of	of	ADP
fbem-21442	175	39	1	1	NUM
fbem-21442	175	40	%	%	NOUN
fbem-21442	175	41	,	,	PUNCT
fbem-21442	175	42	which	which	PRON
fbem-21442	175	43	indicates	indicate	VERB
fbem-21442	175	44	that	that	SCONJ
fbem-21442	175	45	digital	digital	ADJ
fbem-21442	175	46	inclusive	inclusive	ADJ
fbem-21442	175	47	finance	finance	NOUN
fbem-21442	175	48	has	have	VERB
fbem-21442	175	49	an	an	DET
fbem-21442	175	50	obvious	obvious	ADJ
fbem-21442	175	51	positive	positive	ADJ
fbem-21442	175	52	effect	effect	NOUN
fbem-21442	175	53	on	on	ADP
fbem-21442	175	54	the	the	DET
fbem-21442	175	55	consumption	consumption	NOUN
fbem-21442	175	56	of	of	ADP
fbem-21442	175	57	urban	urban	ADJ
fbem-21442	175	58	and	and	CCONJ
fbem-21442	175	59	rural	rural	ADJ
fbem-21442	175	60	residents	resident	NOUN
fbem-21442	175	61	.	.	PUNCT
fbem-21442	176	1	in	in	ADP
fbem-21442	176	2	rural	rural	ADJ
fbem-21442	176	3	areas	area	NOUN
fbem-21442	176	4	,	,	PUNCT
fbem-21442	176	5	although	although	SCONJ
fbem-21442	176	6	traditional	traditional	ADJ
fbem-21442	176	7	financial	financial	ADJ
fbem-21442	176	8	services	service	NOUN
fbem-21442	176	9	are	be	AUX
fbem-21442	176	10	relatively	relatively	ADV
fbem-21442	176	11	scarce	scarce	ADJ
fbem-21442	176	12	,	,	PUNCT
fbem-21442	176	13	with	with	ADP
fbem-21442	176	14	the	the	DET
fbem-21442	176	15	wide	wide	ADJ
fbem-21442	176	16	spread	spread	NOUN
fbem-21442	176	17	of	of	ADP
fbem-21442	176	18	digital	digital	ADJ
fbem-21442	176	19	technology	technology	NOUN
fbem-21442	176	20	,	,	PUNCT
fbem-21442	176	21	rural	rural	ADJ
fbem-21442	176	22	residents	resident	NOUN
fbem-21442	176	23	'	'	PART
fbem-21442	176	24	acceptance	acceptance	NOUN
fbem-21442	176	25	and	and	CCONJ
fbem-21442	176	26	frequency	frequency	NOUN
fbem-21442	176	27	of	of	ADP
fbem-21442	176	28	digital	digital	ADJ
fbem-21442	176	29	inclusive	inclusive	ADJ
fbem-21442	176	30	finance	finance	NOUN
fbem-21442	176	31	have	have	AUX
fbem-21442	176	32	been	be	AUX
fbem-21442	176	33	rising	rise	VERB
fbem-21442	176	34	,	,	PUNCT
fbem-21442	176	35	which	which	PRON
fbem-21442	176	36	has	have	AUX
fbem-21442	176	37	significantly	significantly	ADV
fbem-21442	176	38	improved	improve	VERB
fbem-21442	176	39	their	their	PRON
fbem-21442	176	40	consumption	consumption	NOUN
fbem-21442	176	41	level	level	NOUN
fbem-21442	176	42	.	.	PUNCT
fbem-21442	177	1	this	this	PRON
fbem-21442	177	2	can	can	AUX
fbem-21442	177	3	be	be	AUX
fbem-21442	177	4	easily	easily	ADV
fbem-21442	177	5	seen	see	VERB
fbem-21442	177	6	in	in	ADP
fbem-21442	177	7	columns	column	NOUN
fbem-21442	177	8	(	(	PUNCT
fbem-21442	177	9	4	4	NUM
fbem-21442	177	10	)	)	PUNCT
fbem-21442	177	11	and	and	CCONJ
fbem-21442	177	12	(	(	PUNCT
fbem-21442	177	13	5	5	NUM
fbem-21442	177	14	)	)	PUNCT
fbem-21442	177	15	of	of	ADP
fbem-21442	177	16	table	table	NOUN
fbem-21442	177	17	4	4	NUM
fbem-21442	177	18	.	.	PUNCT
fbem-21442	178	1	that	that	ADV
fbem-21442	178	2	is	is	ADV
fbem-21442	178	3	,	,	PUNCT
fbem-21442	178	4	the	the	DET
fbem-21442	178	5	digital	digital	ADJ
fbem-21442	178	6	inclusive	inclusive	ADJ
fbem-21442	178	7	financial	financial	ADJ
fbem-21442	178	8	index	index	NOUN
fbem-21442	178	9	plays	play	VERB
fbem-21442	178	10	a	a	DET
fbem-21442	178	11	greater	great	ADJ
fbem-21442	178	12	role	role	NOUN
fbem-21442	178	13	in	in	ADP
fbem-21442	178	14	promoting	promote	VERB
fbem-21442	178	15	the	the	DET
fbem-21442	178	16	consumption	consumption	NOUN
fbem-21442	178	17	level	level	NOUN
fbem-21442	178	18	of	of	ADP
fbem-21442	178	19	rural	rural	ADJ
fbem-21442	178	20	residents	resident	NOUN
fbem-21442	178	21	than	than	ADP
fbem-21442	178	22	that	that	PRON
fbem-21442	178	23	of	of	ADP
fbem-21442	178	24	urban	urban	ADJ
fbem-21442	178	25	residents	resident	NOUN
fbem-21442	178	26	.	.	PUNCT
fbem-21442	179	1	(	(	PUNCT
fbem-21442	179	2	0.901vs0.754	0.901vs0.754	NOUN
fbem-21442	179	3	)	)	PUNCT
fbem-21442	179	4	.	.	PUNCT
fbem-21442	180	1	258	258	NUM
fbem-21442	180	2	table	table	NOUN
fbem-21442	180	3	4	4	NUM
fbem-21442	180	4	.	.	PUNCT
fbem-21442	180	5	heterogeneity	heterogeneity	NOUN
fbem-21442	180	6	analysis	analysis	NOUN
fbem-21442	180	7	of	of	ADP
fbem-21442	180	8	digital	digital	ADJ
fbem-21442	180	9	inclusive	inclusive	ADJ
fbem-21442	180	10	finance	finance	NOUN
fbem-21442	180	11	(	(	PUNCT
fbem-21442	180	12	1	1	NUM
fbem-21442	180	13	)	)	PUNCT
fbem-21442	180	14	(	(	PUNCT
fbem-21442	180	15	2	2	NUM
fbem-21442	180	16	)	)	PUNCT
fbem-21442	180	17	(	(	PUNCT
fbem-21442	180	18	3	3	X
fbem-21442	180	19	)	)	PUNCT
fbem-21442	180	20	(	(	PUNCT
fbem-21442	180	21	4	4	NUM
fbem-21442	180	22	)	)	PUNCT
fbem-21442	180	23	(	(	PUNCT
fbem-21442	180	24	5	5	X
fbem-21442	180	25	)	)	PUNCT
fbem-21442	180	26	upstream	upstream	ADJ
fbem-21442	180	27	middle	middle	ADJ
fbem-21442	180	28	downstream	downstream	ADJ
fbem-21442	180	29	urban	urban	ADJ
fbem-21442	180	30	countryside	countryside	NOUN
fbem-21442	180	31	index	index	NOUN
fbem-21442	180	32	0.736	0.736	NOUN
fbem-21442	180	33	*	*	PUNCT
fbem-21442	180	34	*	*	PUNCT
fbem-21442	180	35	*	*	PUNCT
fbem-21442	180	36	0.958	0.958	NUM
fbem-21442	180	37	*	*	PUNCT
fbem-21442	180	38	*	*	PUNCT
fbem-21442	180	39	*	*	PUNCT
fbem-21442	180	40	0.908	0.908	NUM
fbem-21442	180	41	*	*	PUNCT
fbem-21442	181	1	*	*	PUNCT
fbem-21442	181	2	*	*	PUNCT
fbem-21442	181	3	0.754	0.754	NUM
fbem-21442	181	4	*	*	PUNCT
fbem-21442	181	5	*	*	PUNCT
fbem-21442	181	6	*	*	PUNCT
fbem-21442	181	7	0.901	0.901	NUM
fbem-21442	181	8	*	*	PUNCT
fbem-21442	181	9	*	*	PUNCT
fbem-21442	181	10	*	*	PUNCT
fbem-21442	181	11	(	(	PUNCT
fbem-21442	181	12	7.876	7.876	NUM
fbem-21442	181	13	)	)	PUNCT
fbem-21442	181	14	(	(	PUNCT
fbem-21442	181	15	16.902	16.902	NUM
fbem-21442	181	16	)	)	PUNCT
fbem-21442	181	17	(	(	PUNCT
fbem-21442	181	18	9.756	9.756	NUM
fbem-21442	181	19	)	)	PUNCT
fbem-21442	181	20	(	(	PUNCT
fbem-21442	181	21	0.035	0.035	NUM
fbem-21442	181	22	)	)	PUNCT
fbem-21442	181	23	(	(	PUNCT
fbem-21442	181	24	0.042	0.042	NUM
fbem-21442	181	25	)	)	PUNCT
fbem-21442	181	26	income	income	NOUN
fbem-21442	181	27	-0.442	-0.442	NOUN
fbem-21442	181	28	*	*	PUNCT
fbem-21442	181	29	*	*	PUNCT
fbem-21442	181	30	*	*	PUNCT
fbem-21442	181	31	-0.233	-0.233	PUNCT
fbem-21442	181	32	*	*	PUNCT
fbem-21442	181	33	*	*	PUNCT
fbem-21442	181	34	*	*	PUNCT
fbem-21442	182	1	-0.178	-0.178	PUNCT
fbem-21442	182	2	-0.124	-0.124	PUNCT
fbem-21442	182	3	*	*	PUNCT
fbem-21442	182	4	-0.626	-0.626	PUNCT
fbem-21442	182	5	*	*	PUNCT
fbem-21442	182	6	*	*	PUNCT
fbem-21442	182	7	*	*	PUNCT
fbem-21442	182	8	(	(	PUNCT
fbem-21442	182	9	-2.955	-2.955	NOUN
fbem-21442	182	10	)	)	PUNCT
fbem-21442	182	11	(	(	PUNCT
fbem-21442	182	12	-3.645	-3.645	NUM
fbem-21442	182	13	)	)	PUNCT
fbem-21442	182	14	(	(	PUNCT
fbem-21442	182	15	-1.603	-1.603	NUM
fbem-21442	182	16	)	)	PUNCT
fbem-21442	182	17	(	(	PUNCT
fbem-21442	182	18	0.054	0.054	NUM
fbem-21442	182	19	)	)	PUNCT
fbem-21442	182	20	(	(	PUNCT
fbem-21442	182	21	0.072	0.072	NUM
fbem-21442	182	22	)	)	PUNCT
fbem-21442	182	23	ur	ur	INTJ
fbem-21442	182	24	(	(	PUNCT
fbem-21442	182	25	0.000	0.000	NUM
fbem-21442	182	26	)	)	PUNCT
fbem-21442	182	27	0.001	0.001	NUM
fbem-21442	182	28	0.003	0.003	NUM
fbem-21442	182	29	*	*	PUNCT
fbem-21442	182	30	*	*	PUNCT
fbem-21442	182	31	0.002	0.002	NUM
fbem-21442	182	32	*	*	PUNCT
fbem-21442	182	33	0.002	0.002	NUM
fbem-21442	182	34	*	*	PUNCT
fbem-21442	182	35	*	*	PUNCT
fbem-21442	182	36	(	(	PUNCT
fbem-21442	182	37	-0.300	-0.300	INTJ
fbem-21442	182	38	)	)	PUNCT
fbem-21442	182	39	(	(	PUNCT
fbem-21442	182	40	1.176	1.176	NUM
fbem-21442	182	41	)	)	PUNCT
fbem-21442	182	42	(	(	PUNCT
fbem-21442	182	43	2.682	2.682	NUM
fbem-21442	182	44	)	)	PUNCT
fbem-21442	182	45	(	(	PUNCT
fbem-21442	182	46	0.001	0.001	NUM
fbem-21442	182	47	)	)	PUNCT
fbem-21442	182	48	(	(	PUNCT
fbem-21442	182	49	0.000	0.000	X
fbem-21442	182	50	)	)	PUNCT
fbem-21442	182	51	fiscal	fiscal	ADJ
fbem-21442	182	52	0.001	0.001	NUM
fbem-21442	182	53	(	(	PUNCT
fbem-21442	182	54	0.000	0.000	NUM
fbem-21442	182	55	)	)	PUNCT
fbem-21442	182	56	-0.005	-0.005	PUNCT
fbem-21442	183	1	*	*	PUNCT
fbem-21442	183	2	*	*	PUNCT
fbem-21442	183	3	-0.000	-0.000	PUNCT
fbem-21442	183	4	-0.001	-0.001	PUNCT
fbem-21442	183	5	(	(	PUNCT
fbem-21442	183	6	1.090	1.090	NUM
fbem-21442	183	7	)	)	PUNCT
fbem-21442	183	8	(	(	PUNCT
fbem-21442	183	9	-0.267	-0.267	NUM
fbem-21442	183	10	)	)	PUNCT
fbem-21442	183	11	(	(	PUNCT
fbem-21442	183	12	-2.687	-2.687	NOUN
fbem-21442	183	13	)	)	PUNCT
fbem-21442	183	14	(	(	PUNCT
fbem-21442	183	15	0.000	0.000	NUM
fbem-21442	183	16	)	)	PUNCT
fbem-21442	183	17	(	(	PUNCT
fbem-21442	183	18	0.001	0.001	NUM
fbem-21442	183	19	)	)	PUNCT
fbem-21442	183	20	unemp	unemp	NOUN
fbem-21442	183	21	0.010	0.010	NUM
fbem-21442	183	22	-0.019	-0.019	NOUN
fbem-21442	183	23	*	*	PUNCT
fbem-21442	183	24	*	*	PUNCT
fbem-21442	183	25	*	*	PUNCT
fbem-21442	183	26	0.003	0.003	NUM
fbem-21442	183	27	0.001	0.001	NUM
fbem-21442	183	28	-0.001	-0.001	NOUN
fbem-21442	183	29	(	(	PUNCT
fbem-21442	183	30	0.808	0.808	NUM
fbem-21442	183	31	)	)	PUNCT
fbem-21442	183	32	(	(	PUNCT
fbem-21442	183	33	-2.802	-2.802	NUM
fbem-21442	183	34	)	)	PUNCT
fbem-21442	183	35	(	(	PUNCT
fbem-21442	183	36	0.336	0.336	NUM
fbem-21442	183	37	)	)	PUNCT
fbem-21442	183	38	(	(	PUNCT
fbem-21442	183	39	0.005	0.005	NUM
fbem-21442	183	40	)	)	PUNCT
fbem-21442	183	41	(	(	PUNCT
fbem-21442	183	42	0.006	0.006	NUM
fbem-21442	183	43	)	)	PUNCT
fbem-21442	183	44	eco	eco	NOUN
fbem-21442	183	45	-0.007	-0.007	PUNCT
fbem-21442	184	1	-0.035	-0.035	VERB
fbem-21442	184	2	*	*	NOUN
fbem-21442	184	3	*	*	NOUN
fbem-21442	184	4	-0.072	-0.072	NOUN
fbem-21442	184	5	-0.014	-0.014	NOUN
fbem-21442	184	6	*	*	SYM
fbem-21442	184	7	-0.012	-0.012	INTJ
fbem-21442	184	8	(	(	PUNCT
fbem-21442	184	9	-1.400	-1.400	NOUN
fbem-21442	184	10	)	)	PUNCT
fbem-21442	184	11	(	(	PUNCT
fbem-21442	184	12	-2.173	-2.173	NOUN
fbem-21442	184	13	)	)	PUNCT
fbem-21442	184	14	(	(	PUNCT
fbem-21442	184	15	-1.037	-1.037	NUM
fbem-21442	184	16	)	)	PUNCT
fbem-21442	184	17	(	(	PUNCT
fbem-21442	184	18	0.007	0.007	NUM
fbem-21442	184	19	)	)	PUNCT
fbem-21442	184	20	(	(	PUNCT
fbem-21442	184	21	0.008	0.008	NUM
fbem-21442	184	22	)	)	PUNCT
fbem-21442	184	23	gov	gov	NOUN
fbem-21442	184	24	0.092	0.092	NUM
fbem-21442	184	25	(	(	PUNCT
fbem-21442	184	26	0.000	0.000	NUM
fbem-21442	184	27	)	)	PUNCT
fbem-21442	185	1	0.167	0.167	NUM
fbem-21442	185	2	*	*	PUNCT
fbem-21442	185	3	*	*	PUNCT
fbem-21442	185	4	0.068	0.068	NUM
fbem-21442	185	5	*	*	X
fbem-21442	185	6	*	*	PUNCT
fbem-21442	185	7	0.065	0.065	NUM
fbem-21442	185	8	*	*	PUNCT
fbem-21442	185	9	*	*	PUNCT
fbem-21442	185	10	(	(	PUNCT
fbem-21442	185	11	1.648	1.648	NUM
fbem-21442	185	12	)	)	PUNCT
fbem-21442	185	13	(	(	PUNCT
fbem-21442	185	14	-0.005	-0.005	INTJ
fbem-21442	185	15	)	)	PUNCT
fbem-21442	185	16	(	(	PUNCT
fbem-21442	185	17	2.638	2.638	NUM
fbem-21442	185	18	)	)	PUNCT
fbem-21442	185	19	(	(	PUNCT
fbem-21442	185	20	0.021	0.021	NUM
fbem-21442	185	21	)	)	PUNCT
fbem-21442	185	22	(	(	PUNCT
fbem-21442	185	23	0.021	0.021	NUM
fbem-21442	185	24	)	)	PUNCT
fbem-21442	185	25	road	road	NOUN
fbem-21442	185	26	0.002	0.002	NUM
fbem-21442	185	27	0.010	0.010	NUM
fbem-21442	185	28	-0.028	-0.028	NUM
fbem-21442	185	29	0.005	0.005	NUM
fbem-21442	185	30	0.004	0.004	NUM
fbem-21442	185	31	(	(	PUNCT
fbem-21442	185	32	0.068	0.068	NUM
fbem-21442	185	33	)	)	PUNCT
fbem-21442	185	34	(	(	PUNCT
fbem-21442	185	35	0.809	0.809	NUM
fbem-21442	185	36	)	)	PUNCT
fbem-21442	185	37	(	(	PUNCT
fbem-21442	185	38	-1.111	-1.111	X
fbem-21442	185	39	)	)	PUNCT
fbem-21442	185	40	(	(	PUNCT
fbem-21442	185	41	0.010	0.010	NUM
fbem-21442	185	42	)	)	PUNCT
fbem-21442	185	43	(	(	PUNCT
fbem-21442	185	44	0.010	0.010	NUM
fbem-21442	185	45	)	)	PUNCT
fbem-21442	185	46	open	open	ADJ
fbem-21442	185	47	0.000	0.000	NUM
fbem-21442	185	48	*	*	PUNCT
fbem-21442	185	49	*	*	PUNCT
fbem-21442	185	50	*	*	PUNCT
fbem-21442	185	51	-0.017	-0.017	PROPN
fbem-21442	185	52	*	*	PUNCT
fbem-21442	185	53	*	*	PUNCT
fbem-21442	185	54	*	*	PUNCT
fbem-21442	185	55	0.006	0.006	NUM
fbem-21442	185	56	0.000	0.000	NUM
fbem-21442	185	57	*	*	PUNCT
fbem-21442	185	58	*	*	PUNCT
fbem-21442	185	59	*	*	PUNCT
fbem-21442	185	60	-0.000	-0.000	PUNCT
fbem-21442	185	61	(	(	PUNCT
fbem-21442	185	62	5.475	5.475	NUM
fbem-21442	185	63	)	)	PUNCT
fbem-21442	185	64	(	(	PUNCT
fbem-21442	185	65	-3.357	-3.357	ADJ
fbem-21442	185	66	)	)	PUNCT
fbem-21442	185	67	(	(	PUNCT
fbem-21442	185	68	0.829	0.829	NUM
fbem-21442	185	69	)	)	PUNCT
fbem-21442	185	70	(	(	PUNCT
fbem-21442	185	71	0.000	0.000	NUM
fbem-21442	185	72	)	)	PUNCT
fbem-21442	185	73	(	(	PUNCT
fbem-21442	185	74	0.000	0.000	X
fbem-21442	185	75	)	)	PUNCT
fbem-21442	185	76	indus	indus	VERB
fbem-21442	185	77	0.002	0.002	NUM
fbem-21442	185	78	0.003	0.003	NUM
fbem-21442	185	79	*	*	PUNCT
fbem-21442	185	80	*	*	PUNCT
fbem-21442	185	81	-0.001	-0.001	PUNCT
fbem-21442	185	82	0.002	0.002	NUM
fbem-21442	185	83	*	*	PUNCT
fbem-21442	185	84	*	*	PUNCT
fbem-21442	186	1	0.004	0.004	NUM
fbem-21442	186	2	*	*	PUNCT
fbem-21442	186	3	*	*	PUNCT
fbem-21442	186	4	*	*	PUNCT
fbem-21442	186	5	(	(	PUNCT
fbem-21442	186	6	1.595	1.595	NUM
fbem-21442	186	7	)	)	PUNCT
fbem-21442	186	8	(	(	PUNCT
fbem-21442	186	9	2.561	2.561	NUM
fbem-21442	186	10	)	)	PUNCT
fbem-21442	186	11	(	(	PUNCT
fbem-21442	186	12	-0.908	-0.908	NOUN
fbem-21442	186	13	)	)	PUNCT
fbem-21442	186	14	(	(	PUNCT
fbem-21442	186	15	0.001	0.001	NUM
fbem-21442	186	16	)	)	PUNCT
fbem-21442	186	17	(	(	PUNCT
fbem-21442	186	18	0.001	0.001	NUM
fbem-21442	186	19	)	)	PUNCT
fbem-21442	186	20	cons	con	NOUN
fbem-21442	186	21	6.237	6.237	NUM
fbem-21442	186	22	*	*	PUNCT
fbem-21442	186	23	*	*	PUNCT
fbem-21442	186	24	*	*	PUNCT
fbem-21442	186	25	5.200	5.200	NUM
fbem-21442	186	26	*	*	PUNCT
fbem-21442	186	27	*	*	PUNCT
fbem-21442	186	28	*	*	PUNCT
fbem-21442	186	29	5.196	5.196	NUM
fbem-21442	186	30	*	*	PUNCT
fbem-21442	186	31	*	*	PUNCT
fbem-21442	186	32	*	*	PUNCT
fbem-21442	186	33	5.723	5.723	NUM
fbem-21442	186	34	*	*	PUNCT
fbem-21442	186	35	*	*	PUNCT
fbem-21442	186	36	*	*	PUNCT
fbem-21442	186	37	5.385	5.385	NUM
fbem-21442	186	38	*	*	PUNCT
fbem-21442	186	39	*	*	PUNCT
fbem-21442	186	40	*	*	PUNCT
fbem-21442	186	41	(	(	PUNCT
fbem-21442	186	42	7.015	7.015	NUM
fbem-21442	186	43	)	)	PUNCT
fbem-21442	186	44	(	(	PUNCT
fbem-21442	186	45	13.263	13.263	NUM
fbem-21442	186	46	)	)	PUNCT
fbem-21442	186	47	(	(	PUNCT
fbem-21442	186	48	7.374	7.374	NUM
fbem-21442	186	49	)	)	PUNCT
fbem-21442	186	50	(	(	PUNCT
fbem-21442	186	51	0.262	0.262	NUM
fbem-21442	186	52	)	)	PUNCT
fbem-21442	186	53	(	(	PUNCT
fbem-21442	186	54	0.353	0.353	NUM
fbem-21442	186	55	)	)	PUNCT
fbem-21442	186	56	n	n	PRON
fbem-21442	186	57	231.000	231.000	NUM
fbem-21442	186	58	266.000	266.000	NUM
fbem-21442	186	59	287.000	287.000	NUM
fbem-21442	186	60	784.000	784.000	NUM
fbem-21442	186	61	784.000	784.000	NUM
fbem-21442	186	62	r2	r2	NOUN
fbem-21442	186	63	0.906	0.906	NUM
fbem-21442	186	64	0.937	0.937	NUM
fbem-21442	186	65	0.892	0.892	NUM
fbem-21442	186	66	0.886	0.886	NUM
fbem-21442	186	67	0.931	0.931	NUM
fbem-21442	186	68	4.4	4.4	NUM
fbem-21442	186	69	.	.	PUNCT
fbem-21442	187	1	robustness	robustness	NOUN
fbem-21442	187	2	test	test	NOUN
fbem-21442	187	3	in	in	ADP
fbem-21442	187	4	this	this	DET
fbem-21442	187	5	paper	paper	NOUN
fbem-21442	187	6	,	,	PUNCT
fbem-21442	187	7	the	the	DET
fbem-21442	187	8	robustness	robustness	NOUN
fbem-21442	187	9	test	test	NOUN
fbem-21442	187	10	is	be	AUX
fbem-21442	187	11	carried	carry	VERB
fbem-21442	187	12	out	out	ADP
fbem-21442	187	13	by	by	ADP
fbem-21442	187	14	the	the	DET
fbem-21442	187	15	method	method	NOUN
fbem-21442	187	16	that	that	PRON
fbem-21442	187	17	all	all	DET
fbem-21442	187	18	the	the	DET
fbem-21442	187	19	digital	digital	ADJ
fbem-21442	187	20	inclusive	inclusive	ADJ
fbem-21442	187	21	financial	financial	ADJ
fbem-21442	187	22	indexes	index	NOUN
fbem-21442	187	23	in	in	ADP
fbem-21442	187	24	formula	formula	NOUN
fbem-21442	187	25	(	(	PUNCT
fbem-21442	187	26	1	1	NUM
fbem-21442	187	27	)	)	PUNCT
fbem-21442	187	28	(	(	PUNCT
fbem-21442	187	29	4	4	X
fbem-21442	187	30	)	)	PUNCT
fbem-21442	187	31	are	be	AUX
fbem-21442	187	32	lagged	lag	VERB
fbem-21442	187	33	by	by	ADP
fbem-21442	187	34	one	one	NUM
fbem-21442	187	35	period	period	NOUN
fbem-21442	187	36	(	(	PUNCT
fbem-21442	187	37	denoted	denote	VERB
fbem-21442	187	38	as	as	ADP
fbem-21442	187	39	l.	l.	PROPN
fbem-21442	187	40	)	)	PUNCT
fbem-21442	187	41	.	.	PUNCT
fbem-21442	188	1	although	although	SCONJ
fbem-21442	188	2	the	the	DET
fbem-21442	188	3	benchmark	benchmark	NOUN
fbem-21442	188	4	regression	regression	NOUN
fbem-21442	188	5	coefficient	coefficient	NOUN
fbem-21442	188	6	in	in	ADP
fbem-21442	188	7	column	column	NOUN
fbem-21442	188	8	(	(	PUNCT
fbem-21442	188	9	1	1	X
fbem-21442	188	10	)	)	PUNCT
fbem-21442	188	11	drops	drop	VERB
fbem-21442	188	12	from	from	ADP
fbem-21442	188	13	0.881	0.881	NUM
fbem-21442	188	14	to	to	ADP
fbem-21442	188	15	0.781	0.781	NUM
fbem-21442	188	16	,	,	PUNCT
fbem-21442	188	17	it	it	PRON
fbem-21442	188	18	still	still	ADV
fbem-21442	188	19	has	have	VERB
fbem-21442	188	20	a	a	DET
fbem-21442	188	21	positive	positive	ADJ
fbem-21442	188	22	promotion	promotion	NOUN
fbem-21442	188	23	effect	effect	NOUN
fbem-21442	188	24	,	,	PUNCT
fbem-21442	188	25	which	which	PRON
fbem-21442	188	26	is	be	AUX
fbem-21442	188	27	basically	basically	ADV
fbem-21442	188	28	consistent	consistent	ADJ
fbem-21442	188	29	with	with	ADP
fbem-21442	188	30	the	the	DET
fbem-21442	188	31	above	above	ADJ
fbem-21442	188	32	regression	regression	NOUN
fbem-21442	188	33	results	result	NOUN
fbem-21442	188	34	.	.	PUNCT
fbem-21442	189	1	according	accord	VERB
fbem-21442	189	2	to	to	ADP
fbem-21442	189	3	the	the	DET
fbem-21442	189	4	mechanism	mechanism	NOUN
fbem-21442	189	5	robustness	robustness	NOUN
fbem-21442	189	6	test	test	NOUN
fbem-21442	189	7	conducted	conduct	VERB
fbem-21442	189	8	in	in	ADP
fbem-21442	189	9	columns	column	NOUN
fbem-21442	189	10	(	(	PUNCT
fbem-21442	189	11	2	2	NUM
fbem-21442	189	12	)	)	PUNCT
fbem-21442	189	13	(	(	PUNCT
fbem-21442	189	14	7	7	NUM
fbem-21442	189	15	)	)	PUNCT
fbem-21442	189	16	,	,	PUNCT
fbem-21442	189	17	although	although	SCONJ
fbem-21442	189	18	the	the	DET
fbem-21442	189	19	coefficient	coefficient	NOUN
fbem-21442	189	20	of	of	ADP
fbem-21442	189	21	l.	l.	PROPN
fbem-21442	189	22	in	in	ADP
fbem-21442	189	23	general	general	ADJ
fbem-21442	189	24	,	,	PUNCT
fbem-21442	189	25	the	the	DET
fbem-21442	189	26	conclusions	conclusion	NOUN
fbem-21442	189	27	of	of	ADP
fbem-21442	189	28	this	this	DET
fbem-21442	189	29	paper	paper	NOUN
fbem-21442	189	30	are	be	AUX
fbem-21442	189	31	robust	robust	ADJ
fbem-21442	189	32	to	to	ADP
fbem-21442	189	33	some	some	DET
fbem-21442	189	34	extent	extent	NOUN
fbem-21442	189	35	.	.	PUNCT
fbem-21442	190	1	table	table	NOUN
fbem-21442	190	2	5	5	NUM
fbem-21442	190	3	.	.	PUNCT
fbem-21442	190	4	robustness	robustness	NOUN
fbem-21442	190	5	test	test	NOUN
fbem-21442	190	6	(	(	PUNCT
fbem-21442	190	7	1	1	NUM
fbem-21442	190	8	)	)	PUNCT
fbem-21442	190	9	(	(	PUNCT
fbem-21442	190	10	2	2	NUM
fbem-21442	190	11	)	)	PUNCT
fbem-21442	190	12	(	(	PUNCT
fbem-21442	190	13	3	3	X
fbem-21442	190	14	)	)	PUNCT
fbem-21442	190	15	(	(	PUNCT
fbem-21442	190	16	4	4	NUM
fbem-21442	190	17	)	)	PUNCT
fbem-21442	190	18	(	(	PUNCT
fbem-21442	190	19	5	5	NUM
fbem-21442	190	20	)	)	PUNCT
fbem-21442	190	21	(	(	PUNCT
fbem-21442	190	22	6	6	NUM
fbem-21442	190	23	)	)	PUNCT
fbem-21442	190	24	(	(	PUNCT
fbem-21442	190	25	7	7	X
fbem-21442	190	26	)	)	PUNCT
fbem-21442	190	27	consume	consume	VERB
fbem-21442	190	28	ri	ri	X
fbem-21442	190	29	consume	consume	VERB
fbem-21442	190	30	ei	ei	ADP
fbem-21442	190	31	consume	consume	PROPN
fbem-21442	190	32	loan	loan	PROPN
fbem-21442	190	33	consume	consume	PROPN
fbem-21442	190	34	l.	l.	PROPN
fbem-21442	190	35	0.781	0.781	NUM
fbem-21442	190	36	*	*	PUNCT
fbem-21442	190	37	*	*	PUNCT
fbem-21442	190	38	*	*	PUNCT
fbem-21442	190	39	0.781	0.781	NUM
fbem-21442	190	40	*	*	PUNCT
fbem-21442	190	41	*	*	PUNCT
fbem-21442	190	42	*	*	PUNCT
fbem-21442	190	43	0.542	0.542	NUM
fbem-21442	190	44	*	*	PUNCT
fbem-21442	191	1	*	*	PUNCT
fbem-21442	191	2	*	*	PUNCT
fbem-21442	191	3	0.672	0.672	NUM
fbem-21442	191	4	*	*	PUNCT
fbem-21442	191	5	*	*	PUNCT
fbem-21442	191	6	*	*	PUNCT
fbem-21442	192	1	0.750	0.750	NUM
fbem-21442	192	2	*	*	PUNCT
fbem-21442	192	3	*	*	PUNCT
fbem-21442	192	4	*	*	PUNCT
fbem-21442	193	1	1.434	1.434	NUM
fbem-21442	193	2	*	*	PUNCT
fbem-21442	193	3	*	*	PUNCT
fbem-21442	193	4	*	*	PUNCT
fbem-21442	193	5	0.481	0.481	NUM
fbem-21442	193	6	*	*	PUNCT
fbem-21442	193	7	*	*	PUNCT
fbem-21442	193	8	*	*	PUNCT
fbem-21442	193	9	(	(	PUNCT
fbem-21442	193	10	0.042	0.042	NUM
fbem-21442	193	11	)	)	PUNCT
fbem-21442	193	12	(	(	PUNCT
fbem-21442	193	13	0.033	0.033	NUM
fbem-21442	193	14	)	)	PUNCT
fbem-21442	193	15	(	(	PUNCT
fbem-21442	193	16	0.063	0.063	NUM
fbem-21442	193	17	)	)	PUNCT
fbem-21442	193	18	(	(	PUNCT
fbem-21442	193	19	7.251	7.251	NUM
fbem-21442	193	20	)	)	PUNCT
fbem-21442	193	21	(	(	PUNCT
fbem-21442	193	22	17.916	17.916	NUM
fbem-21442	193	23	)	)	PUNCT
fbem-21442	193	24	(	(	PUNCT
fbem-21442	193	25	0.119	0.119	NUM
fbem-21442	193	26	)	)	PUNCT
fbem-21442	193	27	(	(	PUNCT
fbem-21442	193	28	0.074	0.074	NUM
fbem-21442	193	29	)	)	PUNCT
fbem-21442	193	30	ri	ri	NOUN
fbem-21442	193	31	0.306	0.306	NOUN
fbem-21442	193	32	*	*	PUNCT
fbem-21442	193	33	*	*	PUNCT
fbem-21442	193	34	*	*	PUNCT
fbem-21442	193	35	(	(	PUNCT
fbem-21442	193	36	0.069	0.069	NUM
fbem-21442	193	37	)	)	PUNCT
fbem-21442	193	38	ei	ei	NOUN
fbem-21442	193	39	0.047	0.047	NUM
fbem-21442	193	40	*	*	PUNCT
fbem-21442	193	41	*	*	PUNCT
fbem-21442	193	42	(	(	PUNCT
fbem-21442	193	43	2.819	2.819	NUM
fbem-21442	193	44	)	)	PUNCT
fbem-21442	193	45	loan	loan	NOUN
fbem-21442	193	46	0.209	0.209	NUM
fbem-21442	193	47	*	*	PUNCT
fbem-21442	193	48	*	*	PUNCT
fbem-21442	193	49	*	*	PUNCT
fbem-21442	193	50	(	(	PUNCT
fbem-21442	193	51	0.042	0.042	NUM
fbem-21442	193	52	)	)	PUNCT
fbem-21442	193	53	income	income	NOUN
fbem-21442	193	54	-0.318	-0.318	NOUN
fbem-21442	193	55	*	*	PUNCT
fbem-21442	193	56	*	*	PUNCT
fbem-21442	193	57	*	*	PUNCT
fbem-21442	194	1	-0.462	-0.462	PUNCT
fbem-21442	194	2	*	*	PUNCT
fbem-21442	194	3	*	*	PUNCT
fbem-21442	194	4	*	*	PUNCT
fbem-21442	194	5	-0.176	-0.176	NOUN
fbem-21442	195	1	*	*	PUNCT
fbem-21442	195	2	-0.474	-0.474	NOUN
fbem-21442	195	3	*	*	PUNCT
fbem-21442	195	4	*	*	NOUN
fbem-21442	195	5	-0.295	-0.295	PUNCT
fbem-21442	195	6	*	*	PUNCT
fbem-21442	195	7	*	*	PUNCT
fbem-21442	195	8	*	*	PUNCT
fbem-21442	195	9	-0.638	-0.638	X
fbem-21442	195	10	*	*	PUNCT
fbem-21442	195	11	*	*	PUNCT
fbem-21442	195	12	*	*	PUNCT
fbem-21442	195	13	-0.184	-0.184	NOUN
fbem-21442	195	14	*	*	PUNCT
fbem-21442	195	15	*	*	PUNCT
fbem-21442	195	16	(	(	PUNCT
fbem-21442	195	17	0.060	0.060	NUM
fbem-21442	195	18	)	)	PUNCT
fbem-21442	195	19	(	(	PUNCT
fbem-21442	195	20	0.074	0.074	NUM
fbem-21442	195	21	)	)	PUNCT
fbem-21442	195	22	(	(	PUNCT
fbem-21442	195	23	0.071	0.071	NUM
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fbem-21442	195	52	)	)	PUNCT
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fbem-21442	195	55	)	)	PUNCT
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fbem-21442	195	58	)	)	PUNCT
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fbem-21442	195	64	)	)	PUNCT
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fbem-21442	196	9	)	)	PUNCT
fbem-21442	196	10	(	(	PUNCT
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fbem-21442	196	12	)	)	PUNCT
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fbem-21442	196	15	)	)	PUNCT
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fbem-21442	196	18	)	)	PUNCT
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fbem-21442	196	21	)	)	PUNCT
fbem-21442	196	22	(	(	PUNCT
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fbem-21442	196	24	)	)	PUNCT
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fbem-21442	196	33	(	(	PUNCT
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fbem-21442	196	35	)	)	PUNCT
fbem-21442	196	36	(	(	PUNCT
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fbem-21442	196	38	)	)	PUNCT
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fbem-21442	196	41	)	)	PUNCT
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fbem-21442	196	44	)	)	PUNCT
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fbem-21442	196	47	)	)	PUNCT
fbem-21442	196	48	(	(	PUNCT
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fbem-21442	196	50	)	)	PUNCT
fbem-21442	196	51	(	(	PUNCT
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fbem-21442	196	53	)	)	PUNCT
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fbem-21442	196	64	*	*	PUNCT
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fbem-21442	196	67	)	)	PUNCT
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fbem-21442	196	70	)	)	PUNCT
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fbem-21442	196	73	)	)	PUNCT
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fbem-21442	196	76	)	)	PUNCT
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fbem-21442	196	79	)	)	PUNCT
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fbem-21442	196	82	)	)	PUNCT
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fbem-21442	196	85	)	)	PUNCT
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fbem-21442	196	89	*	*	SYM
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fbem-21442	196	100	)	)	PUNCT
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fbem-21442	196	103	)	)	PUNCT
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fbem-21442	196	106	)	)	PUNCT
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fbem-21442	196	112	)	)	PUNCT
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fbem-21442	196	115	)	)	PUNCT
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fbem-21442	196	126	)	)	PUNCT
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fbem-21442	196	129	)	)	PUNCT
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fbem-21442	196	132	)	)	PUNCT
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fbem-21442	196	138	)	)	PUNCT
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fbem-21442	196	141	)	)	PUNCT
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fbem-21442	196	144	)	)	PUNCT
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fbem-21442	196	147	*	*	PUNCT
fbem-21442	197	1	*	*	PUNCT
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fbem-21442	197	5	*	*	PUNCT
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fbem-21442	198	5	*	*	PUNCT
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fbem-21442	198	21	)	)	PUNCT
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fbem-21442	198	24	)	)	PUNCT
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fbem-21442	198	27	)	)	PUNCT
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fbem-21442	198	30	)	)	PUNCT
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fbem-21442	199	5	*	*	PUNCT
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fbem-21442	199	14	)	)	PUNCT
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fbem-21442	199	17	)	)	PUNCT
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fbem-21442	199	26	)	)	PUNCT
fbem-21442	199	27	(	(	PUNCT
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fbem-21442	199	29	)	)	PUNCT
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fbem-21442	200	30	)	)	PUNCT
fbem-21442	200	31	(	(	PUNCT
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fbem-21442	200	33	)	)	PUNCT
fbem-21442	200	34	(	(	PUNCT
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fbem-21442	200	36	)	)	PUNCT
fbem-21442	200	37	(	(	PUNCT
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fbem-21442	200	39	)	)	PUNCT
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fbem-21442	200	51	0.886	0.886	NUM
fbem-21442	200	52	0.556	0.556	NUM
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fbem-21442	200	57	5	5	NUM
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fbem-21442	200	72	on	on	ADP
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fbem-21442	200	74	consumption	consumption	NOUN
fbem-21442	200	75	in	in	ADP
fbem-21442	200	76	11	11	NUM
fbem-21442	200	77	provinces	province	NOUN
fbem-21442	200	78	and	and	CCONJ
fbem-21442	200	79	cities	city	NOUN
fbem-21442	200	80	along	along	ADP
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fbem-21442	200	82	yangtze	yangtze	PROPN
fbem-21442	200	83	river	river	PROPN
fbem-21442	200	84	economic	economic	ADJ
fbem-21442	200	85	belt	belt	NOUN
fbem-21442	200	86	from	from	ADP
fbem-21442	200	87	2016	2016	NUM
fbem-21442	200	88	to	to	ADP
fbem-21442	200	89	2022	2022	NUM
fbem-21442	200	90	by	by	ADP
fbem-21442	200	91	establishing	establish	VERB
fbem-21442	200	92	a	a	DET
fbem-21442	200	93	regression	regression	NOUN
fbem-21442	200	94	model	model	NOUN
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fbem-21442	201	8	,	,	PUNCT
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fbem-21442	201	10	inclusive	inclusive	ADJ
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fbem-21442	201	12	promotes	promote	VERB
fbem-21442	201	13	the	the	DET
fbem-21442	201	14	improvement	improvement	NOUN
fbem-21442	201	15	of	of	ADP
fbem-21442	201	16	residents	resident	NOUN
fbem-21442	201	17	'	'	PART
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fbem-21442	201	19	level	level	NOUN
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fbem-21442	201	22	the	the	DET
fbem-21442	201	23	results	result	NOUN
fbem-21442	201	24	are	be	AUX
fbem-21442	201	25	robust	robust	ADJ
fbem-21442	201	26	;	;	PUNCT
fbem-21442	201	27	secondly	secondly	ADV
fbem-21442	201	28	,	,	PUNCT
fbem-21442	201	29	the	the	DET
fbem-21442	201	30	results	result	NOUN
fbem-21442	201	31	of	of	ADP
fbem-21442	201	32	mechanism	mechanism	NOUN
fbem-21442	201	33	analysis	analysis	NOUN
fbem-21442	201	34	show	show	VERB
fbem-21442	201	35	that	that	SCONJ
fbem-21442	201	36	digital	digital	ADJ
fbem-21442	201	37	inclusive	inclusive	ADJ
fbem-21442	201	38	finance	finance	NOUN
fbem-21442	201	39	can	can	AUX
fbem-21442	201	40	improve	improve	VERB
fbem-21442	201	41	the	the	DET
fbem-21442	201	42	level	level	NOUN
fbem-21442	201	43	of	of	ADP
fbem-21442	201	44	household	household	NOUN
fbem-21442	201	45	consumption	consumption	NOUN
fbem-21442	201	46	by	by	ADP
fbem-21442	201	47	increasing	increase	VERB
fbem-21442	201	48	residents	resident	NOUN
fbem-21442	201	49	'	'	PART
fbem-21442	201	50	income	income	NOUN
fbem-21442	201	51	,	,	PUNCT
fbem-21442	201	52	digital	digital	ADJ
fbem-21442	201	53	insurance	insurance	NOUN
fbem-21442	201	54	and	and	CCONJ
fbem-21442	201	55	consumer	consumer	NOUN
fbem-21442	201	56	credit	credit	NOUN
fbem-21442	201	57	.	.	PUNCT
fbem-21442	202	1	thirdly	thirdly	ADV
fbem-21442	202	2	,	,	PUNCT
fbem-21442	202	3	the	the	DET
fbem-21442	202	4	heterogeneity	heterogeneity	NOUN
fbem-21442	202	5	analysis	analysis	NOUN
fbem-21442	202	6	from	from	ADP
fbem-21442	202	7	the	the	DET
fbem-21442	202	8	regional	regional	ADJ
fbem-21442	202	9	and	and	CCONJ
fbem-21442	202	10	urban	urban	ADJ
fbem-21442	202	11	-	-	PUNCT
fbem-21442	202	12	rural	rural	ADJ
fbem-21442	202	13	aspects	aspect	NOUN
fbem-21442	202	14	shows	show	VERB
fbem-21442	202	15	that	that	SCONJ
fbem-21442	202	16	the	the	DET
fbem-21442	202	17	promoting	promote	VERB
fbem-21442	202	18	effect	effect	NOUN
fbem-21442	202	19	of	of	ADP
fbem-21442	202	20	digital	digital	ADJ
fbem-21442	202	21	inclusive	inclusive	ADJ
fbem-21442	202	22	finance	finance	NOUN
fbem-21442	202	23	on	on	ADP
fbem-21442	202	24	household	household	NOUN
fbem-21442	202	25	consumption	consumption	NOUN
fbem-21442	202	26	is	be	AUX
fbem-21442	202	27	more	more	ADV
fbem-21442	202	28	obvious	obvious	ADJ
fbem-21442	202	29	in	in	ADP
fbem-21442	202	30	the	the	DET
fbem-21442	202	31	middle	middle	ADJ
fbem-21442	202	32	reaches	reach	NOUN
fbem-21442	202	33	of	of	ADP
fbem-21442	202	34	the	the	DET
fbem-21442	202	35	yangtze	yangtze	PROPN
fbem-21442	202	36	river	river	PROPN
fbem-21442	202	37	economic	economic	ADJ
fbem-21442	202	38	belt	belt	NOUN
fbem-21442	202	39	,	,	PUNCT
fbem-21442	202	40	and	and	CCONJ
fbem-21442	202	41	the	the	DET
fbem-21442	202	42	role	role	NOUN
fbem-21442	202	43	of	of	ADP
fbem-21442	202	44	digital	digital	ADJ
fbem-21442	202	45	inclusive	inclusive	ADJ
fbem-21442	202	46	finance	finance	NOUN
fbem-21442	202	47	in	in	ADP
fbem-21442	202	48	promoting	promote	VERB
fbem-21442	202	49	the	the	DET
fbem-21442	202	50	consumption	consumption	NOUN
fbem-21442	202	51	of	of	ADP
fbem-21442	202	52	rural	rural	ADJ
fbem-21442	202	53	residents	resident	NOUN
fbem-21442	202	54	is	be	AUX
fbem-21442	202	55	more	more	ADV
fbem-21442	202	56	significant	significant	ADJ
fbem-21442	202	57	.	.	PUNCT
fbem-21442	203	1	according	accord	VERB
fbem-21442	203	2	to	to	ADP
fbem-21442	203	3	the	the	DET
fbem-21442	203	4	research	research	NOUN
fbem-21442	203	5	conclusions	conclusion	NOUN
fbem-21442	203	6	,	,	PUNCT
fbem-21442	203	7	this	this	DET
fbem-21442	203	8	paper	paper	NOUN
fbem-21442	203	9	puts	put	VERB
fbem-21442	203	10	forward	forward	ADV
fbem-21442	203	11	the	the	DET
fbem-21442	203	12	following	follow	VERB
fbem-21442	203	13	four	four	NUM
fbem-21442	203	14	policy	policy	NOUN
fbem-21442	203	15	suggestions	suggestion	NOUN
fbem-21442	203	16	:	:	PUNCT
fbem-21442	203	17	5.1	5.1	NUM
fbem-21442	203	18	.	.	PUNCT
fbem-21442	204	1	improve	improve	VERB
fbem-21442	204	2	policies	policy	NOUN
fbem-21442	204	3	and	and	CCONJ
fbem-21442	204	4	regulations	regulation	NOUN
fbem-21442	204	5	related	relate	VERB
fbem-21442	204	6	to	to	ADP
fbem-21442	204	7	digital	digital	ADJ
fbem-21442	204	8	inclusive	inclusive	ADJ
fbem-21442	204	9	finance	finance	NOUN
fbem-21442	204	10	the	the	DET
fbem-21442	204	11	government	government	NOUN
fbem-21442	204	12	can	can	AUX
fbem-21442	204	13	introduce	introduce	VERB
fbem-21442	204	14	relevant	relevant	ADJ
fbem-21442	204	15	policies	policy	NOUN
fbem-21442	204	16	to	to	PART
fbem-21442	204	17	encourage	encourage	VERB
fbem-21442	204	18	financial	financial	ADJ
fbem-21442	204	19	institutions	institution	NOUN
fbem-21442	204	20	and	and	CCONJ
fbem-21442	204	21	technology	technology	NOUN
fbem-21442	204	22	companies	company	NOUN
fbem-21442	204	23	to	to	PART
fbem-21442	204	24	participate	participate	VERB
fbem-21442	204	25	in	in	ADP
fbem-21442	204	26	the	the	DET
fbem-21442	204	27	field	field	NOUN
fbem-21442	204	28	of	of	ADP
fbem-21442	204	29	digital	digital	ADJ
fbem-21442	204	30	inclusive	inclusive	ADJ
fbem-21442	204	31	finance	finance	NOUN
fbem-21442	204	32	,	,	PUNCT
fbem-21442	204	33	so	so	SCONJ
fbem-21442	204	34	as	as	SCONJ
fbem-21442	204	35	to	to	PART
fbem-21442	204	36	reduce	reduce	VERB
fbem-21442	204	37	the	the	DET
fbem-21442	204	38	risks	risk	NOUN
fbem-21442	204	39	and	and	CCONJ
fbem-21442	204	40	costs	cost	NOUN
fbem-21442	204	41	of	of	ADP
fbem-21442	204	42	financial	financial	ADJ
fbem-21442	204	43	institutions	institution	NOUN
fbem-21442	204	44	.	.	PUNCT
fbem-21442	205	1	this	this	PRON
fbem-21442	205	2	may	may	AUX
fbem-21442	205	3	include	include	VERB
fbem-21442	205	4	providing	provide	VERB
fbem-21442	205	5	tax	tax	NOUN
fbem-21442	205	6	incentives	incentive	NOUN
fbem-21442	205	7	,	,	PUNCT
fbem-21442	205	8	loan	loan	NOUN
fbem-21442	205	9	guarantees	guarantee	NOUN
fbem-21442	205	10	,	,	PUNCT
fbem-21442	205	11	risk	risk	NOUN
fbem-21442	205	12	compensation	compensation	NOUN
fbem-21442	205	13	and	and	CCONJ
fbem-21442	205	14	other	other	ADJ
fbem-21442	205	15	incentives	incentive	NOUN
fbem-21442	205	16	.	.	PUNCT
fbem-21442	206	1	in	in	ADP
fbem-21442	206	2	order	order	NOUN
fbem-21442	206	3	to	to	PART
fbem-21442	206	4	continuously	continuously	ADV
fbem-21442	206	5	improve	improve	VERB
fbem-21442	206	6	the	the	DET
fbem-21442	206	7	consumption	consumption	NOUN
fbem-21442	206	8	power	power	NOUN
fbem-21442	206	9	of	of	ADP
fbem-21442	206	10	residents	resident	NOUN
fbem-21442	206	11	and	and	CCONJ
fbem-21442	206	12	encourage	encourage	VERB
fbem-21442	206	13	them	they	PRON
fbem-21442	206	14	to	to	PART
fbem-21442	206	15	participate	participate	VERB
fbem-21442	206	16	in	in	ADP
fbem-21442	206	17	consumption	consumption	NOUN
fbem-21442	206	18	more	more	ADV
fbem-21442	206	19	actively	actively	ADV
fbem-21442	206	20	,	,	PUNCT
fbem-21442	206	21	it	it	PRON
fbem-21442	206	22	is	be	AUX
fbem-21442	206	23	necessary	necessary	ADJ
fbem-21442	206	24	to	to	PART
fbem-21442	206	25	vigorously	vigorously	ADV
fbem-21442	206	26	strengthen	strengthen	VERB
fbem-21442	206	27	the	the	DET
fbem-21442	206	28	infrastructure	infrastructure	NOUN
fbem-21442	206	29	construction	construction	NOUN
fbem-21442	206	30	of	of	ADP
fbem-21442	206	31	payment	payment	NOUN
fbem-21442	206	32	and	and	CCONJ
fbem-21442	206	33	clearing	clearing	NOUN
fbem-21442	206	34	and	and	CCONJ
fbem-21442	206	35	other	other	ADJ
fbem-21442	206	36	digital	digital	ADJ
fbem-21442	206	37	finance	finance	NOUN
fbem-21442	206	38	,	,	PUNCT
fbem-21442	206	39	and	and	CCONJ
fbem-21442	206	40	further	far	ADV
fbem-21442	206	41	expand	expand	VERB
fbem-21442	206	42	the	the	DET
fbem-21442	206	43	service	service	NOUN
fbem-21442	206	44	scope	scope	NOUN
fbem-21442	206	45	of	of	ADP
fbem-21442	206	46	digital	digital	ADJ
fbem-21442	206	47	inclusive	inclusive	ADJ
fbem-21442	206	48	finance	finance	NOUN
fbem-21442	206	49	,	,	PUNCT
fbem-21442	206	50	so	so	SCONJ
fbem-21442	206	51	as	as	SCONJ
fbem-21442	206	52	to	to	PART
fbem-21442	206	53	provide	provide	VERB
fbem-21442	206	54	internal	internal	ADJ
fbem-21442	206	55	driving	driving	NOUN
fbem-21442	206	56	force	force	NOUN
fbem-21442	206	57	for	for	ADP
fbem-21442	206	58	promoting	promote	VERB
fbem-21442	206	59	sustainable	sustainable	ADJ
fbem-21442	206	60	and	and	CCONJ
fbem-21442	206	61	high	high	ADJ
fbem-21442	206	62	-	-	PUNCT
fbem-21442	206	63	quality	quality	NOUN
fbem-21442	206	64	economic	economic	ADJ
fbem-21442	206	65	development	development	NOUN
fbem-21442	206	66	.	.	PUNCT
fbem-21442	207	1	from	from	ADP
fbem-21442	207	2	the	the	DET
fbem-21442	207	3	perspective	perspective	NOUN
fbem-21442	207	4	of	of	ADP
fbem-21442	207	5	macro	macro	ADJ
fbem-21442	207	6	policy	policy	NOUN
fbem-21442	207	7	,	,	PUNCT
fbem-21442	207	8	digital	digital	ADJ
fbem-21442	207	9	inclusive	inclusive	ADJ
fbem-21442	207	10	finance	finance	NOUN
fbem-21442	207	11	is	be	AUX
fbem-21442	207	12	a	a	DET
fbem-21442	207	13	global	global	ADJ
fbem-21442	207	14	issue	issue	NOUN
fbem-21442	207	15	,	,	PUNCT
fbem-21442	207	16	which	which	PRON
fbem-21442	207	17	requires	require	VERB
fbem-21442	207	18	international	international	ADJ
fbem-21442	207	19	cooperation	cooperation	NOUN
fbem-21442	207	20	and	and	CCONJ
fbem-21442	207	21	exchange	exchange	NOUN
fbem-21442	207	22	.	.	PUNCT
fbem-21442	208	1	in	in	ADP
fbem-21442	208	2	order	order	NOUN
fbem-21442	208	3	to	to	PART
fbem-21442	208	4	promote	promote	VERB
fbem-21442	208	5	global	global	ADJ
fbem-21442	208	6	digital	digital	ADJ
fbem-21442	208	7	financial	financial	ADJ
fbem-21442	208	8	inclusion	inclusion	NOUN
fbem-21442	208	9	and	and	CCONJ
fbem-21442	208	10	further	far	ADV
fbem-21442	208	11	stimulate	stimulate	VERB
fbem-21442	208	12	consumption	consumption	NOUN
fbem-21442	208	13	and	and	CCONJ
fbem-21442	208	14	domestic	domestic	ADJ
fbem-21442	208	15	demand	demand	NOUN
fbem-21442	208	16	,	,	PUNCT
fbem-21442	208	17	governments	government	NOUN
fbem-21442	208	18	should	should	AUX
fbem-21442	208	19	take	take	VERB
fbem-21442	208	20	the	the	DET
fbem-21442	208	21	initiative	initiative	NOUN
fbem-21442	208	22	to	to	PART
fbem-21442	208	23	participate	participate	VERB
fbem-21442	208	24	in	in	ADP
fbem-21442	208	25	relevant	relevant	ADJ
fbem-21442	208	26	affairs	affair	NOUN
fbem-21442	208	27	of	of	ADP
fbem-21442	208	28	international	international	ADJ
fbem-21442	208	29	organizations	organization	NOUN
fbem-21442	208	30	to	to	PART
fbem-21442	208	31	share	share	VERB
fbem-21442	208	32	experience	experience	NOUN
fbem-21442	208	33	and	and	CCONJ
fbem-21442	208	34	best	good	ADJ
fbem-21442	208	35	practices	practice	NOUN
fbem-21442	208	36	;	;	PUNCT
fbem-21442	208	37	from	from	ADP
fbem-21442	208	38	the	the	DET
fbem-21442	208	39	perspective	perspective	NOUN
fbem-21442	208	40	of	of	ADP
fbem-21442	208	41	micro	micro	ADJ
fbem-21442	208	42	users	user	NOUN
fbem-21442	208	43	,	,	PUNCT
fbem-21442	208	44	the	the	DET
fbem-21442	208	45	government	government	NOUN
fbem-21442	208	46	should	should	AUX
fbem-21442	208	47	strengthen	strengthen	VERB
fbem-21442	208	48	the	the	DET
fbem-21442	208	49	policies	policy	NOUN
fbem-21442	208	50	and	and	CCONJ
fbem-21442	208	51	regulations	regulation	NOUN
fbem-21442	208	52	on	on	ADP
fbem-21442	208	53	data	datum	NOUN
fbem-21442	208	54	security	security	NOUN
fbem-21442	208	55	and	and	CCONJ
fbem-21442	208	56	privacy	privacy	NOUN
fbem-21442	208	57	protection	protection	NOUN
fbem-21442	208	58	to	to	PART
fbem-21442	208	59	ensure	ensure	VERB
fbem-21442	208	60	that	that	SCONJ
fbem-21442	208	61	residents	resident	NOUN
fbem-21442	208	62	'	'	PART
fbem-21442	208	63	personal	personal	ADJ
fbem-21442	208	64	information	information	NOUN
fbem-21442	208	65	is	be	AUX
fbem-21442	208	66	not	not	PART
fbem-21442	208	67	leaked	leak	VERB
fbem-21442	208	68	when	when	SCONJ
fbem-21442	208	69	using	use	VERB
fbem-21442	208	70	digital	digital	ADJ
fbem-21442	208	71	inclusive	inclusive	ADJ
fbem-21442	208	72	finance	finance	NOUN
fbem-21442	208	73	products	product	NOUN
fbem-21442	208	74	,	,	PUNCT
fbem-21442	208	75	so	so	SCONJ
fbem-21442	208	76	as	as	SCONJ
fbem-21442	208	77	to	to	PART
fbem-21442	208	78	enhance	enhance	VERB
fbem-21442	208	79	residents	resident	NOUN
fbem-21442	208	80	'	'	PART
fbem-21442	208	81	trust	trust	NOUN
fbem-21442	208	82	in	in	ADP
fbem-21442	208	83	and	and	CCONJ
fbem-21442	208	84	willingness	willingness	NOUN
fbem-21442	208	85	to	to	PART
fbem-21442	208	86	use	use	VERB
fbem-21442	208	87	digital	digital	ADJ
fbem-21442	208	88	inclusive	inclusive	ADJ
fbem-21442	208	89	finance	finance	NOUN
fbem-21442	208	90	.	.	PUNCT
fbem-21442	209	1	in	in	ADP
fbem-21442	209	2	particular	particular	ADJ
fbem-21442	209	3	,	,	PUNCT
fbem-21442	209	4	the	the	DET
fbem-21442	209	5	capital	capital	NOUN
fbem-21442	209	6	investment	investment	NOUN
fbem-21442	209	7	in	in	ADP
fbem-21442	209	8	the	the	DET
fbem-21442	209	9	field	field	NOUN
fbem-21442	209	10	of	of	ADP
fbem-21442	209	11	internet	internet	NOUN
fbem-21442	209	12	and	and	CCONJ
fbem-21442	209	13	mobile	mobile	ADJ
fbem-21442	209	14	finance	finance	NOUN
fbem-21442	209	15	provides	provide	VERB
fbem-21442	209	16	a	a	DET
fbem-21442	209	17	solid	solid	ADJ
fbem-21442	209	18	backing	backing	NOUN
fbem-21442	209	19	for	for	ADP
fbem-21442	209	20	china	china	PROPN
fbem-21442	209	21	's	's	PART
fbem-21442	209	22	digital	digital	ADJ
fbem-21442	209	23	inclusive	inclusive	ADJ
fbem-21442	209	24	finance	finance	NOUN
fbem-21442	209	25	in	in	ADP
fbem-21442	209	26	the	the	DET
fbem-21442	209	27	next	next	ADJ
fbem-21442	209	28	stage	stage	NOUN
fbem-21442	209	29	.	.	PUNCT
fbem-21442	210	1	5.2	5.2	X
fbem-21442	210	2	.	.	PUNCT
fbem-21442	210	3	promote	promote	VERB
fbem-21442	210	4	the	the	DET
fbem-21442	210	5	progress	progress	NOUN
fbem-21442	210	6	of	of	ADP
fbem-21442	210	7	the	the	DET
fbem-21442	210	8	digital	digital	ADJ
fbem-21442	210	9	insurance	insurance	NOUN
fbem-21442	210	10	industry	industry	NOUN
fbem-21442	210	11	as	as	ADP
fbem-21442	210	12	a	a	DET
fbem-21442	210	13	core	core	NOUN
fbem-21442	210	14	business	business	NOUN
fbem-21442	210	15	in	in	ADP
fbem-21442	210	16	the	the	DET
fbem-21442	210	17	development	development	NOUN
fbem-21442	210	18	of	of	ADP
fbem-21442	210	19	digital	digital	ADJ
fbem-21442	210	20	inclusive	inclusive	ADJ
fbem-21442	210	21	finance	finance	NOUN
fbem-21442	210	22	,	,	PUNCT
fbem-21442	210	23	digital	digital	ADJ
fbem-21442	210	24	insurance	insurance	NOUN
fbem-21442	210	25	has	have	AUX
fbem-21442	210	26	played	play	VERB
fbem-21442	210	27	a	a	DET
fbem-21442	210	28	key	key	ADJ
fbem-21442	210	29	role	role	NOUN
fbem-21442	210	30	in	in	ADP
fbem-21442	210	31	reducing	reduce	VERB
fbem-21442	210	32	income	income	NOUN
fbem-21442	210	33	instability	instability	NOUN
fbem-21442	210	34	and	and	CCONJ
fbem-21442	210	35	diversifying	diversify	VERB
fbem-21442	210	36	household	household	NOUN
fbem-21442	210	37	financial	financial	ADJ
fbem-21442	210	38	risks	risk	NOUN
fbem-21442	210	39	.	.	PUNCT
fbem-21442	211	1	at	at	ADP
fbem-21442	211	2	present	present	ADJ
fbem-21442	211	3	,	,	PUNCT
fbem-21442	211	4	the	the	DET
fbem-21442	211	5	consumption	consumption	NOUN
fbem-21442	211	6	structure	structure	NOUN
fbem-21442	211	7	of	of	ADP
fbem-21442	211	8	chinese	chinese	ADJ
fbem-21442	211	9	residents	resident	NOUN
fbem-21442	211	10	is	be	AUX
fbem-21442	211	11	undergoing	undergo	VERB
fbem-21442	211	12	profound	profound	ADJ
fbem-21442	211	13	changes	change	NOUN
fbem-21442	211	14	.	.	PUNCT
fbem-21442	212	1	based	base	VERB
fbem-21442	212	2	on	on	ADP
fbem-21442	212	3	the	the	DET
fbem-21442	212	4	precautionary	precautionary	ADJ
fbem-21442	212	5	saving	saving	NOUN
fbem-21442	212	6	theory	theory	NOUN
fbem-21442	212	7	,	,	PUNCT
fbem-21442	212	8	people	people	NOUN
fbem-21442	212	9	hold	hold	VERB
fbem-21442	212	10	great	great	ADJ
fbem-21442	212	11	uncertainty	uncertainty	NOUN
fbem-21442	212	12	about	about	ADP
fbem-21442	212	13	future	future	ADJ
fbem-21442	212	14	income	income	NOUN
fbem-21442	212	15	and	and	CCONJ
fbem-21442	212	16	expenditure	expenditure	NOUN
fbem-21442	212	17	due	due	ADP
fbem-21442	212	18	to	to	ADP
fbem-21442	212	19	inadequate	inadequate	ADJ
fbem-21442	212	20	education	education	NOUN
fbem-21442	212	21	,	,	PUNCT
fbem-21442	212	22	health	health	NOUN
fbem-21442	212	23	and	and	CCONJ
fbem-21442	212	24	social	social	ADJ
fbem-21442	212	25	security	security	NOUN
fbem-21442	212	26	systems	system	NOUN
fbem-21442	212	27	.	.	PUNCT
fbem-21442	213	1	this	this	DET
fbem-21442	213	2	expectation	expectation	NOUN
fbem-21442	213	3	causes	cause	VERB
fbem-21442	213	4	the	the	DET
fbem-21442	213	5	marginal	marginal	ADJ
fbem-21442	213	6	benefit	benefit	NOUN
fbem-21442	213	7	of	of	ADP
fbem-21442	213	8	consumption	consumption	NOUN
fbem-21442	213	9	for	for	ADP
fbem-21442	213	10	those	those	DET
fbem-21442	213	11	consumers	consumer	NOUN
fbem-21442	213	12	with	with	ADP
fbem-21442	213	13	a	a	DET
fbem-21442	213	14	risk	risk	NOUN
fbem-21442	213	15	-	-	PUNCT
fbem-21442	213	16	averse	averse	ADJ
fbem-21442	213	17	attitude	attitude	NOUN
fbem-21442	213	18	to	to	PART
fbem-21442	213	19	exceed	exceed	VERB
fbem-21442	213	20	the	the	DET
fbem-21442	213	21	marginal	marginal	ADJ
fbem-21442	213	22	benefit	benefit	NOUN
fbem-21442	213	23	under	under	ADP
fbem-21442	213	24	certainty	certainty	NOUN
fbem-21442	213	25	.	.	PUNCT
fbem-21442	214	1	as	as	SCONJ
fbem-21442	214	2	risk	risk	NOUN
fbem-21442	214	3	rises	rise	NOUN
fbem-21442	214	4	,	,	PUNCT
fbem-21442	214	5	so	so	ADV
fbem-21442	214	6	does	do	VERB
fbem-21442	214	7	the	the	DET
fbem-21442	214	8	marginal	marginal	ADJ
fbem-21442	214	9	benefit	benefit	NOUN
fbem-21442	214	10	of	of	ADP
fbem-21442	214	11	consumption	consumption	NOUN
fbem-21442	214	12	,	,	PUNCT
fbem-21442	214	13	which	which	PRON
fbem-21442	214	14	may	may	AUX
fbem-21442	214	15	lead	lead	VERB
fbem-21442	214	16	residents	resident	NOUN
fbem-21442	214	17	to	to	PART
fbem-21442	214	18	reduce	reduce	VERB
fbem-21442	214	19	short	short	ADJ
fbem-21442	214	20	-	-	PUNCT
fbem-21442	214	21	term	term	NOUN
fbem-21442	214	22	consumption	consumption	NOUN
fbem-21442	214	23	and	and	CCONJ
fbem-21442	214	24	thus	thus	ADV
fbem-21442	214	25	increase	increase	VERB
fbem-21442	214	26	the	the	DET
fbem-21442	214	27	need	need	NOUN
fbem-21442	214	28	for	for	ADP
fbem-21442	214	29	precautionary	precautionary	ADJ
fbem-21442	214	30	savings	saving	NOUN
fbem-21442	214	31	.	.	PUNCT
fbem-21442	215	1	therefore	therefore	ADV
fbem-21442	215	2	,	,	PUNCT
fbem-21442	215	3	in	in	ADP
fbem-21442	215	4	order	order	NOUN
fbem-21442	215	5	to	to	PART
fbem-21442	215	6	meet	meet	VERB
fbem-21442	215	7	the	the	DET
fbem-21442	215	8	needs	need	NOUN
fbem-21442	215	9	of	of	ADP
fbem-21442	215	10	residents	resident	NOUN
fbem-21442	215	11	in	in	ADP
fbem-21442	215	12	the	the	DET
fbem-21442	215	13	financial	financial	ADJ
fbem-21442	215	14	sector	sector	NOUN
fbem-21442	215	15	,	,	PUNCT
fbem-21442	215	16	it	it	PRON
fbem-21442	215	17	is	be	AUX
fbem-21442	215	18	necessary	necessary	ADJ
fbem-21442	215	19	to	to	PART
fbem-21442	215	20	explore	explore	VERB
fbem-21442	215	21	financial	financial	ADJ
fbem-21442	215	22	service	service	NOUN
fbem-21442	215	23	products	product	NOUN
fbem-21442	215	24	,	,	PUNCT
fbem-21442	215	25	develop	develop	VERB
fbem-21442	215	26	the	the	DET
fbem-21442	215	27	wealth	wealth	NOUN
fbem-21442	215	28	management	management	NOUN
fbem-21442	215	29	market	market	NOUN
fbem-21442	215	30	,	,	PUNCT
fbem-21442	215	31	enrich	enrich	VERB
fbem-21442	215	32	the	the	DET
fbem-21442	215	33	ways	way	NOUN
fbem-21442	215	34	of	of	ADP
fbem-21442	215	35	investment	investment	NOUN
fbem-21442	215	36	and	and	CCONJ
fbem-21442	215	37	wealth	wealth	NOUN
fbem-21442	215	38	management	management	NOUN
fbem-21442	215	39	,	,	PUNCT
fbem-21442	215	40	and	and	CCONJ
fbem-21442	215	41	cultivate	cultivate	VERB
fbem-21442	215	42	the	the	DET
fbem-21442	215	43	concept	concept	NOUN
fbem-21442	215	44	of	of	ADP
fbem-21442	215	45	value	value	NOUN
fbem-21442	215	46	investment	investment	NOUN
fbem-21442	215	47	and	and	CCONJ
fbem-21442	215	48	long	long	ADJ
fbem-21442	215	49	-	-	PUNCT
fbem-21442	215	50	term	term	NOUN
fbem-21442	215	51	investment	investment	NOUN
fbem-21442	215	52	.	.	PUNCT
fbem-21442	216	1	under	under	ADP
fbem-21442	216	2	the	the	DET
fbem-21442	216	3	guidance	guidance	NOUN
fbem-21442	216	4	of	of	ADP
fbem-21442	216	5	government	government	NOUN
fbem-21442	216	6	policies	policy	NOUN
fbem-21442	216	7	,	,	PUNCT
fbem-21442	216	8	many	many	ADJ
fbem-21442	216	9	insurance	insurance	NOUN
fbem-21442	216	10	companies	company	NOUN
fbem-21442	216	11	have	have	AUX
fbem-21442	216	12	made	make	VERB
fbem-21442	216	13	fruitful	fruitful	ADJ
fbem-21442	216	14	attempts	attempt	NOUN
fbem-21442	216	15	and	and	CCONJ
fbem-21442	216	16	practical	practical	ADJ
fbem-21442	216	17	operations	operation	NOUN
fbem-21442	216	18	.	.	PUNCT
fbem-21442	217	1	at	at	ADP
fbem-21442	217	2	present	present	ADJ
fbem-21442	217	3	,	,	PUNCT
fbem-21442	217	4	the	the	DET
fbem-21442	217	5	insurance	insurance	NOUN
fbem-21442	217	6	industry	industry	NOUN
fbem-21442	217	7	is	be	AUX
fbem-21442	217	8	considering	consider	VERB
fbem-21442	217	9	digital	digital	ADJ
fbem-21442	217	10	transformation	transformation	NOUN
fbem-21442	217	11	as	as	ADP
fbem-21442	217	12	its	its	PRON
fbem-21442	217	13	key	key	ADJ
fbem-21442	217	14	development	development	NOUN
fbem-21442	217	15	strategy	strategy	NOUN
fbem-21442	217	16	,	,	PUNCT
fbem-21442	217	17	and	and	CCONJ
fbem-21442	217	18	digital	digital	ADJ
fbem-21442	217	19	transformation	transformation	NOUN
fbem-21442	217	20	has	have	AUX
fbem-21442	217	21	become	become	VERB
fbem-21442	217	22	a	a	DET
fbem-21442	217	23	new	new	ADJ
fbem-21442	217	24	trend	trend	NOUN
fbem-21442	217	25	of	of	ADP
fbem-21442	217	26	innovative	innovative	ADJ
fbem-21442	217	27	development	development	NOUN
fbem-21442	217	28	in	in	ADP
fbem-21442	217	29	the	the	DET
fbem-21442	217	30	insurance	insurance	NOUN
fbem-21442	217	31	industry	industry	NOUN
fbem-21442	217	32	,	,	PUNCT
fbem-21442	217	33	in	in	ADP
fbem-21442	217	34	order	order	NOUN
fbem-21442	217	35	to	to	PART
fbem-21442	217	36	reduce	reduce	VERB
fbem-21442	217	37	the	the	DET
fbem-21442	217	38	willingness	willingness	NOUN
fbem-21442	217	39	of	of	ADP
fbem-21442	217	40	precautionary	precautionary	ADJ
fbem-21442	217	41	savings	saving	NOUN
fbem-21442	217	42	,	,	PUNCT
fbem-21442	217	43	promote	promote	VERB
fbem-21442	217	44	the	the	DET
fbem-21442	217	45	transformation	transformation	NOUN
fbem-21442	217	46	of	of	ADP
fbem-21442	217	47	household	household	NOUN
fbem-21442	217	48	savings	saving	NOUN
fbem-21442	217	49	to	to	ADP
fbem-21442	217	50	investment	investment	NOUN
fbem-21442	217	51	,	,	PUNCT
fbem-21442	217	52	and	and	CCONJ
fbem-21442	217	53	increase	increase	VERB
fbem-21442	217	54	the	the	DET
fbem-21442	217	55	level	level	NOUN
fbem-21442	217	56	of	of	ADP
fbem-21442	217	57	household	household	NOUN
fbem-21442	217	58	consumption	consumption	NOUN
fbem-21442	217	59	.	.	PUNCT
fbem-21442	218	1	5.3	5.3	NUM
fbem-21442	218	2	.	.	PUNCT
fbem-21442	218	3	promoting	promote	VERB
fbem-21442	218	4	fintech	fintech	NOUN
fbem-21442	218	5	innovation	innovation	NOUN
fbem-21442	218	6	governments	government	NOUN
fbem-21442	218	7	can	can	AUX
fbem-21442	218	8	support	support	VERB
fbem-21442	218	9	fintech	fintech	NOUN
fbem-21442	218	10	research	research	NOUN
fbem-21442	218	11	and	and	CCONJ
fbem-21442	218	12	development	development	NOUN
fbem-21442	218	13	and	and	CCONJ
fbem-21442	218	14	encourage	encourage	VERB
fbem-21442	218	15	financial	financial	ADJ
fbem-21442	218	16	institutions	institution	NOUN
fbem-21442	218	17	and	and	CCONJ
fbem-21442	218	18	tech	tech	NOUN
fbem-21442	218	19	companies	company	NOUN
fbem-21442	218	20	to	to	PART
fbem-21442	218	21	innovate	innovate	VERB
fbem-21442	218	22	.	.	PUNCT
fbem-21442	219	1	this	this	PRON
fbem-21442	219	2	includes	include	VERB
fbem-21442	219	3	supporting	support	VERB
fbem-21442	219	4	the	the	DET
fbem-21442	219	5	application	application	NOUN
fbem-21442	219	6	of	of	ADP
fbem-21442	219	7	blockchain	blockchain	PROPN
fbem-21442	219	8	,	,	PUNCT
fbem-21442	219	9	artificial	artificial	ADJ
fbem-21442	219	10	intelligence	intelligence	NOUN
fbem-21442	219	11	,	,	PUNCT
fbem-21442	219	12	big	big	ADJ
fbem-21442	219	13	data	datum	NOUN
fbem-21442	219	14	and	and	CCONJ
fbem-21442	219	15	other	other	ADJ
fbem-21442	219	16	technologies	technology	NOUN
fbem-21442	219	17	in	in	ADP
fbem-21442	219	18	the	the	DET
fbem-21442	219	19	financial	financial	ADJ
fbem-21442	219	20	sector	sector	NOUN
fbem-21442	219	21	to	to	PART
fbem-21442	219	22	improve	improve	VERB
fbem-21442	219	23	the	the	DET
fbem-21442	219	24	efficiency	efficiency	NOUN
fbem-21442	219	25	and	and	CCONJ
fbem-21442	219	26	security	security	NOUN
fbem-21442	219	27	of	of	ADP
fbem-21442	219	28	financial	financial	ADJ
fbem-21442	219	29	services	service	NOUN
fbem-21442	219	30	.	.	PUNCT
fbem-21442	220	1	in	in	ADP
fbem-21442	220	2	the	the	DET
fbem-21442	220	3	process	process	NOUN
fbem-21442	220	4	of	of	ADP
fbem-21442	220	5	carrying	carry	VERB
fbem-21442	220	6	out	out	ADP
fbem-21442	220	7	digital	digital	ADJ
fbem-21442	220	8	inclusive	inclusive	ADJ
fbem-21442	220	9	finance	finance	NOUN
fbem-21442	220	10	business	business	NOUN
fbem-21442	220	11	,	,	PUNCT
fbem-21442	220	12	financial	financial	ADJ
fbem-21442	220	13	institutions	institution	NOUN
fbem-21442	220	14	should	should	AUX
fbem-21442	220	15	pay	pay	VERB
fbem-21442	220	16	special	special	ADJ
fbem-21442	220	17	attention	attention	NOUN
fbem-21442	220	18	to	to	ADP
fbem-21442	220	19	the	the	DET
fbem-21442	220	20	vertical	vertical	ADJ
fbem-21442	220	21	expansion	expansion	NOUN
fbem-21442	220	22	of	of	ADP
fbem-21442	220	23	business	business	NOUN
fbem-21442	220	24	.	.	PUNCT
fbem-21442	221	1	for	for	ADP
fbem-21442	221	2	customers	customer	NOUN
fbem-21442	221	3	with	with	ADP
fbem-21442	221	4	a	a	DET
fbem-21442	221	5	certain	certain	ADJ
fbem-21442	221	6	scale	scale	NOUN
fbem-21442	221	7	,	,	PUNCT
fbem-21442	221	8	financial	financial	ADJ
fbem-21442	221	9	institutions	institution	NOUN
fbem-21442	221	10	can	can	AUX
fbem-21442	221	11	promote	promote	VERB
fbem-21442	221	12	their	their	PRON
fbem-21442	221	13	adoption	adoption	NOUN
fbem-21442	221	14	of	of	ADP
fbem-21442	221	15	digital	digital	ADJ
fbem-21442	221	16	services	service	NOUN
fbem-21442	221	17	from	from	ADP
fbem-21442	221	18	multiple	multiple	ADJ
fbem-21442	221	19	perspectives	perspective	NOUN
fbem-21442	221	20	.	.	PUNCT
fbem-21442	222	1	based	base	VERB
fbem-21442	222	2	on	on	ADP
fbem-21442	222	3	the	the	DET
fbem-21442	222	4	service	service	NOUN
fbem-21442	222	5	information	information	NOUN
fbem-21442	222	6	provided	provide	VERB
fbem-21442	222	7	,	,	PUNCT
fbem-21442	222	8	financial	financial	ADJ
fbem-21442	222	9	institutions	institution	NOUN
fbem-21442	222	10	can	can	AUX
fbem-21442	222	11	offer	offer	VERB
fbem-21442	222	12	preferential	preferential	ADJ
fbem-21442	222	13	measures	measure	NOUN
fbem-21442	222	14	in	in	ADP
fbem-21442	222	15	financing	financing	NOUN
fbem-21442	222	16	,	,	PUNCT
fbem-21442	222	17	lending	lending	NOUN
fbem-21442	222	18	,	,	PUNCT
fbem-21442	222	19	payment	payment	NOUN
fbem-21442	222	20	and	and	CCONJ
fbem-21442	222	21	transfer	transfer	NOUN
fbem-21442	222	22	to	to	ADP
fbem-21442	222	23	companies	company	NOUN
fbem-21442	222	24	and	and	CCONJ
fbem-21442	222	25	individuals	individual	NOUN
fbem-21442	222	26	who	who	PRON
fbem-21442	222	27	often	often	ADV
fbem-21442	222	28	rely	rely	VERB
fbem-21442	222	29	on	on	ADP
fbem-21442	222	30	digital	digital	ADJ
fbem-21442	222	31	inclusive	inclusive	ADJ
fbem-21442	222	32	financial	financial	ADJ
fbem-21442	222	33	services	service	NOUN
fbem-21442	222	34	.	.	PUNCT
fbem-21442	223	1	through	through	ADP
fbem-21442	223	2	preferential	preferential	ADJ
fbem-21442	223	3	measures	measure	NOUN
fbem-21442	223	4	provided	provide	VERB
fbem-21442	223	5	by	by	ADP
fbem-21442	223	6	financial	financial	ADJ
fbem-21442	223	7	institutions	institution	NOUN
fbem-21442	223	8	,	,	PUNCT
fbem-21442	223	9	users	user	NOUN
fbem-21442	223	10	have	have	AUX
fbem-21442	223	11	gradually	gradually	ADV
fbem-21442	223	12	formed	form	VERB
fbem-21442	223	13	habits	habit	NOUN
fbem-21442	223	14	while	while	SCONJ
fbem-21442	223	15	gaining	gain	VERB
fbem-21442	223	16	benefits	benefit	NOUN
fbem-21442	223	17	from	from	ADP
fbem-21442	223	18	digital	digital	ADJ
fbem-21442	223	19	inclusive	inclusive	ADJ
fbem-21442	223	20	financial	financial	ADJ
fbem-21442	223	21	services	service	NOUN
fbem-21442	223	22	.	.	PUNCT
fbem-21442	224	1	this	this	DET
fbem-21442	224	2	practice	practice	NOUN
fbem-21442	224	3	can	can	AUX
fbem-21442	224	4	enhance	enhance	VERB
fbem-21442	224	5	users	user	NOUN
fbem-21442	224	6	'	'	PART
fbem-21442	224	7	awareness	awareness	NOUN
fbem-21442	224	8	and	and	CCONJ
fbem-21442	224	9	intention	intention	NOUN
fbem-21442	224	10	of	of	ADP
fbem-21442	224	11	use	use	NOUN
fbem-21442	224	12	,	,	PUNCT
fbem-21442	224	13	and	and	CCONJ
fbem-21442	224	14	further	far	ADV
fbem-21442	224	15	stimulate	stimulate	VERB
fbem-21442	224	16	their	their	PRON
fbem-21442	224	17	consumption	consumption	NOUN
fbem-21442	224	18	intention	intention	NOUN
fbem-21442	224	19	.	.	PUNCT
fbem-21442	225	1	in	in	ADP
fbem-21442	225	2	addition	addition	NOUN
fbem-21442	225	3	,	,	PUNCT
fbem-21442	225	4	by	by	ADP
fbem-21442	225	5	optimizing	optimize	VERB
fbem-21442	225	6	the	the	DET
fbem-21442	225	7	digital	digital	ADJ
fbem-21442	225	8	banking	banking	NOUN
fbem-21442	225	9	system	system	NOUN
fbem-21442	225	10	,	,	PUNCT
fbem-21442	225	11	financial	financial	ADJ
fbem-21442	225	12	institutions	institution	NOUN
fbem-21442	225	13	can	can	AUX
fbem-21442	225	14	provide	provide	VERB
fbem-21442	225	15	consumers	consumer	NOUN
fbem-21442	225	16	with	with	ADP
fbem-21442	225	17	diversified	diversified	ADJ
fbem-21442	225	18	and	and	CCONJ
fbem-21442	225	19	personalized	personalized	ADJ
fbem-21442	225	20	services	service	NOUN
fbem-21442	225	21	and	and	CCONJ
fbem-21442	225	22	increase	increase	VERB
fbem-21442	225	23	the	the	DET
fbem-21442	225	24	types	type	NOUN
fbem-21442	225	25	and	and	CCONJ
fbem-21442	225	26	availability	availability	NOUN
fbem-21442	225	27	of	of	ADP
fbem-21442	225	28	consumer	consumer	NOUN
fbem-21442	225	29	credit	credit	NOUN
fbem-21442	225	30	,	,	PUNCT
fbem-21442	225	31	thus	thus	ADV
fbem-21442	225	32	expanding	expand	VERB
fbem-21442	225	33	the	the	DET
fbem-21442	225	34	market	market	NOUN
fbem-21442	225	35	size	size	NOUN
fbem-21442	225	36	and	and	CCONJ
fbem-21442	225	37	driving	drive	VERB
fbem-21442	225	38	economic	economic	ADJ
fbem-21442	225	39	growth	growth	NOUN
fbem-21442	225	40	.	.	PUNCT
fbem-21442	226	1	5.4	5.4	NUM
fbem-21442	226	2	.	.	PUNCT
fbem-21442	226	3	differentiated	differentiated	ADJ
fbem-21442	226	4	development	development	NOUN
fbem-21442	226	5	of	of	ADP
fbem-21442	226	6	digital	digital	ADJ
fbem-21442	226	7	inclusive	inclusive	ADJ
fbem-21442	226	8	finance	finance	NOUN
fbem-21442	226	9	in	in	ADP
fbem-21442	226	10	view	view	NOUN
fbem-21442	226	11	of	of	ADP
fbem-21442	226	12	the	the	DET
fbem-21442	226	13	uneven	uneven	ADJ
fbem-21442	226	14	regional	regional	ADJ
fbem-21442	226	15	and	and	CCONJ
fbem-21442	226	16	urban	urban	ADJ
fbem-21442	226	17	-	-	PUNCT
fbem-21442	226	18	rural	rural	ADJ
fbem-21442	226	19	development	development	NOUN
fbem-21442	226	20	of	of	ADP
fbem-21442	226	21	digital	digital	ADJ
fbem-21442	226	22	inclusive	inclusive	ADJ
fbem-21442	226	23	finance	finance	NOUN
fbem-21442	226	24	,	,	PUNCT
fbem-21442	226	25	corresponding	correspond	VERB
fbem-21442	226	26	measures	measure	NOUN
fbem-21442	226	27	need	need	VERB
fbem-21442	226	28	to	to	PART
fbem-21442	226	29	be	be	AUX
fbem-21442	226	30	taken	take	VERB
fbem-21442	226	31	to	to	PART
fbem-21442	226	32	better	well	ADV
fbem-21442	226	33	meet	meet	VERB
fbem-21442	226	34	the	the	DET
fbem-21442	226	35	needs	need	NOUN
fbem-21442	226	36	of	of	ADP
fbem-21442	226	37	different	different	ADJ
fbem-21442	226	38	groups	group	NOUN
fbem-21442	226	39	,	,	PUNCT
fbem-21442	226	40	improve	improve	VERB
fbem-21442	226	41	the	the	DET
fbem-21442	226	42	availability	availability	NOUN
fbem-21442	226	43	and	and	CCONJ
fbem-21442	226	44	satisfaction	satisfaction	NOUN
fbem-21442	226	45	of	of	ADP
fbem-21442	226	46	financial	financial	ADJ
fbem-21442	226	47	services	service	NOUN
fbem-21442	226	48	,	,	PUNCT
fbem-21442	226	49	and	and	CCONJ
fbem-21442	226	50	promote	promote	VERB
fbem-21442	226	51	inclusive	inclusive	ADJ
fbem-21442	226	52	economic	economic	ADJ
fbem-21442	226	53	growth	growth	NOUN
fbem-21442	226	54	.	.	PUNCT
fbem-21442	227	1	for	for	ADP
fbem-21442	227	2	the	the	DET
fbem-21442	227	3	heterogeneity	heterogeneity	NOUN
fbem-21442	227	4	of	of	ADP
fbem-21442	227	5	development	development	NOUN
fbem-21442	227	6	in	in	ADP
fbem-21442	227	7	different	different	ADJ
fbem-21442	227	8	regions	region	NOUN
fbem-21442	227	9	of	of	ADP
fbem-21442	227	10	the	the	DET
fbem-21442	227	11	yangtze	yangtze	PROPN
fbem-21442	227	12	river	river	PROPN
fbem-21442	227	13	economic	economic	ADJ
fbem-21442	227	14	belt	belt	NOUN
fbem-21442	227	15	,	,	PUNCT
fbem-21442	227	16	the	the	DET
fbem-21442	227	17	government	government	NOUN
fbem-21442	227	18	should	should	AUX
fbem-21442	227	19	consider	consider	VERB
fbem-21442	227	20	increasing	increase	VERB
fbem-21442	227	21	special	special	ADJ
fbem-21442	227	22	financial	financial	ADJ
fbem-21442	227	23	support	support	NOUN
fbem-21442	227	24	to	to	PART
fbem-21442	227	25	comprehensively	comprehensively	ADV
fbem-21442	227	26	improve	improve	VERB
fbem-21442	227	27	the	the	DET
fbem-21442	227	28	penetration	penetration	NOUN
fbem-21442	227	29	rate	rate	NOUN
fbem-21442	227	30	and	and	CCONJ
fbem-21442	227	31	service	service	NOUN
fbem-21442	227	32	quality	quality	NOUN
fbem-21442	227	33	of	of	ADP
fbem-21442	227	34	digital	digital	ADJ
fbem-21442	227	35	inclusive	inclusive	ADJ
fbem-21442	227	36	finance	finance	NOUN
fbem-21442	227	37	,	,	PUNCT
fbem-21442	227	38	and	and	CCONJ
fbem-21442	227	39	promote	promote	VERB
fbem-21442	227	40	the	the	DET
fbem-21442	227	41	virtuous	virtuous	ADJ
fbem-21442	227	42	cycle	cycle	NOUN
fbem-21442	227	43	of	of	ADP
fbem-21442	227	44	fintech	fintech	NOUN
fbem-21442	227	45	innovation	innovation	NOUN
fbem-21442	227	46	and	and	CCONJ
fbem-21442	227	47	inclusive	inclusive	ADJ
fbem-21442	227	48	finance	finance	NOUN
fbem-21442	227	49	development	development	NOUN
fbem-21442	227	50	.	.	PUNCT
fbem-21442	228	1	the	the	DET
fbem-21442	228	2	government	government	NOUN
fbem-21442	228	3	and	and	CCONJ
fbem-21442	228	4	financial	financial	ADJ
fbem-21442	228	5	institutions	institution	NOUN
fbem-21442	228	6	should	should	AUX
fbem-21442	228	7	also	also	ADV
fbem-21442	228	8	strengthen	strengthen	VERB
fbem-21442	228	9	financial	financial	ADJ
fbem-21442	228	10	education	education	NOUN
fbem-21442	228	11	,	,	PUNCT
fbem-21442	228	12	increase	increase	VERB
fbem-21442	228	13	publicity	publicity	NOUN
fbem-21442	228	14	,	,	PUNCT
fbem-21442	228	15	and	and	CCONJ
fbem-21442	228	16	enhance	enhance	VERB
fbem-21442	228	17	consumers	consumer	NOUN
fbem-21442	228	18	'	'	PART
fbem-21442	228	19	understanding	understanding	NOUN
fbem-21442	228	20	and	and	CCONJ
fbem-21442	228	21	ability	ability	NOUN
fbem-21442	228	22	to	to	PART
fbem-21442	228	23	use	use	VERB
fbem-21442	228	24	260	260	NUM
fbem-21442	228	25	financial	financial	ADJ
fbem-21442	228	26	products	product	NOUN
fbem-21442	228	27	and	and	CCONJ
fbem-21442	228	28	services	service	NOUN
fbem-21442	228	29	.	.	PUNCT
fbem-21442	229	1	in	in	ADP
fbem-21442	229	2	view	view	NOUN
fbem-21442	229	3	of	of	ADP
fbem-21442	229	4	the	the	DET
fbem-21442	229	5	uneven	uneven	ADJ
fbem-21442	229	6	development	development	NOUN
fbem-21442	229	7	of	of	ADP
fbem-21442	229	8	urban	urban	ADJ
fbem-21442	229	9	and	and	CCONJ
fbem-21442	229	10	rural	rural	ADJ
fbem-21442	229	11	areas	area	NOUN
fbem-21442	229	12	in	in	ADP
fbem-21442	229	13	the	the	DET
fbem-21442	229	14	yangtze	yangtze	PROPN
fbem-21442	229	15	river	river	PROPN
fbem-21442	229	16	economic	economic	ADJ
fbem-21442	229	17	belt	belt	NOUN
fbem-21442	229	18	,	,	PUNCT
fbem-21442	229	19	it	it	PRON
fbem-21442	229	20	is	be	AUX
fbem-21442	229	21	necessary	necessary	ADJ
fbem-21442	229	22	to	to	PART
fbem-21442	229	23	adjust	adjust	VERB
fbem-21442	229	24	the	the	DET
fbem-21442	229	25	supply	supply	NOUN
fbem-21442	229	26	mode	mode	NOUN
fbem-21442	229	27	of	of	ADP
fbem-21442	229	28	digital	digital	ADJ
fbem-21442	229	29	inclusive	inclusive	ADJ
fbem-21442	229	30	finance	finance	NOUN
fbem-21442	229	31	and	and	CCONJ
fbem-21442	229	32	make	make	VERB
fbem-21442	229	33	full	full	ADJ
fbem-21442	229	34	use	use	NOUN
fbem-21442	229	35	of	of	ADP
fbem-21442	229	36	its	its	PRON
fbem-21442	229	37	positive	positive	ADJ
fbem-21442	229	38	role	role	NOUN
fbem-21442	229	39	in	in	ADP
fbem-21442	229	40	improving	improve	VERB
fbem-21442	229	41	the	the	DET
fbem-21442	229	42	consumption	consumption	NOUN
fbem-21442	229	43	of	of	ADP
fbem-21442	229	44	rural	rural	ADJ
fbem-21442	229	45	residents	resident	NOUN
fbem-21442	229	46	.	.	PUNCT
fbem-21442	230	1	in	in	ADP
fbem-21442	230	2	addition	addition	NOUN
fbem-21442	230	3	,	,	PUNCT
fbem-21442	230	4	in	in	ADP
fbem-21442	230	5	order	order	NOUN
fbem-21442	230	6	to	to	PART
fbem-21442	230	7	solve	solve	VERB
fbem-21442	230	8	the	the	DET
fbem-21442	230	9	unbalanced	unbalanced	ADJ
fbem-21442	230	10	development	development	NOUN
fbem-21442	230	11	problem	problem	NOUN
fbem-21442	230	12	of	of	ADP
fbem-21442	230	13	digital	digital	ADJ
fbem-21442	230	14	inclusive	inclusive	ADJ
fbem-21442	230	15	finance	finance	NOUN
fbem-21442	230	16	,	,	PUNCT
fbem-21442	230	17	the	the	DET
fbem-21442	230	18	government	government	NOUN
fbem-21442	230	19	should	should	AUX
fbem-21442	230	20	also	also	ADV
fbem-21442	230	21	regularly	regularly	ADV
fbem-21442	230	22	evaluate	evaluate	VERB
fbem-21442	230	23	the	the	DET
fbem-21442	230	24	development	development	NOUN
fbem-21442	230	25	effect	effect	NOUN
fbem-21442	230	26	of	of	ADP
fbem-21442	230	27	digital	digital	ADJ
fbem-21442	230	28	inclusive	inclusive	ADJ
fbem-21442	230	29	finance	finance	NOUN
fbem-21442	230	30	,	,	PUNCT
fbem-21442	230	31	and	and	CCONJ
fbem-21442	230	32	constantly	constantly	ADV
fbem-21442	230	33	adjust	adjust	VERB
fbem-21442	230	34	and	and	CCONJ
fbem-21442	230	35	optimize	optimize	VERB
fbem-21442	230	36	the	the	DET
fbem-21442	230	37	development	development	NOUN
fbem-21442	230	38	strategy	strategy	NOUN
fbem-21442	230	39	according	accord	VERB
fbem-21442	230	40	to	to	ADP
fbem-21442	230	41	market	market	NOUN
fbem-21442	230	42	changes	change	NOUN
fbem-21442	230	43	and	and	CCONJ
fbem-21442	230	44	customer	customer	NOUN
fbem-21442	230	45	needs	need	NOUN
fbem-21442	230	46	,	,	PUNCT
fbem-21442	230	47	so	so	SCONJ
fbem-21442	230	48	as	as	SCONJ
fbem-21442	230	49	to	to	PART
fbem-21442	230	50	ensure	ensure	VERB
fbem-21442	230	51	that	that	SCONJ
fbem-21442	230	52	more	more	ADJ
fbem-21442	230	53	residents	resident	NOUN
fbem-21442	230	54	benefit	benefit	VERB
fbem-21442	230	55	from	from	ADP
fbem-21442	230	56	the	the	DET
fbem-21442	230	57	progress	progress	NOUN
fbem-21442	230	58	of	of	ADP
fbem-21442	230	59	finance	finance	NOUN
fbem-21442	230	60	and	and	CCONJ
fbem-21442	230	61	technology	technology	NOUN
fbem-21442	230	62	,	,	PUNCT
fbem-21442	230	63	and	and	CCONJ
fbem-21442	230	64	further	far	ADV
fbem-21442	230	65	improve	improve	VERB
fbem-21442	230	66	the	the	DET
fbem-21442	230	67	consumption	consumption	NOUN
fbem-21442	230	68	level	level	NOUN
fbem-21442	230	69	of	of	ADP
fbem-21442	230	70	residents	resident	NOUN
fbem-21442	230	71	.	.	PUNCT
fbem-21442	231	1	acknowledgment	acknowledgment	NOUN
fbem-21442	231	2	jianghan	jianghan	PROPN
fbem-21442	231	3	university	university	PROPN
fbem-21442	231	4	university	university	NOUN
fbem-21442	231	5	-	-	PUNCT
fbem-21442	231	6	level	level	NOUN
fbem-21442	231	7	scientific	scientific	ADJ
fbem-21442	231	8	research	research	NOUN
fbem-21442	231	9	project	project	NOUN
fbem-21442	231	10	funding	fund	VERB
fbem-21442	231	11	program（2023xzd02	program（2023xzd02	PROPN
fbem-21442	231	12	）	）	PROPN
fbem-21442	231	13	references	reference	NOUN
fbem-21442	231	14	[	[	X
fbem-21442	231	15	1	1	NUM
fbem-21442	231	16	]	]	PUNCT
fbem-21442	231	17	yi	yi	NOUN
fbem-21442	231	18	xingjian	xingjian	PROPN
fbem-21442	231	19	,	,	PUNCT
fbem-21442	231	20	zhou	zhou	PROPN
fbem-21442	231	21	li	li	PROPN
fbem-21442	231	22	.	.	PUNCT
fbem-21442	232	1	whether	whether	SCONJ
fbem-21442	232	2	the	the	DET
fbem-21442	232	3	development	development	NOUN
fbem-21442	232	4	of	of	ADP
fbem-21442	232	5	digital	digital	ADJ
fbem-21442	232	6	inclusive	inclusive	ADJ
fbem-21442	232	7	finance	finance	NOUN
fbem-21442	232	8	significantly	significantly	ADV
fbem-21442	232	9	affects	affect	VERB
fbem-21442	232	10	household	household	NOUN
fbem-21442	232	11	consumption	consumption	NOUN
fbem-21442	232	12	:	:	PUNCT
fbem-21442	232	13	micro	micro	VERB
fbem-21442	232	14	evidence	evidence	NOUN
fbem-21442	232	15	from	from	ADP
fbem-21442	232	16	chinese	chinese	ADJ
fbem-21442	232	17	households	household	NOUN
fbem-21442	233	1	[	[	X
fbem-21442	233	2	j	j	X
fbem-21442	233	3	]	]	X
fbem-21442	233	4	.	.	PUNCT
fbem-21442	234	1	journal	journal	PROPN
fbem-21442	234	2	of	of	ADP
fbem-21442	234	3	financial	financial	ADJ
fbem-21442	234	4	research	research	NOUN
fbem-21442	234	5	,	,	PUNCT
fbem-21442	234	6	2018(11	2018(11	NUM
fbem-21442	234	7	)	)	PUNCT
fbem-21442	234	8	:	:	PUNCT
fbem-21442	234	9	47~67	47~67	X
fbem-21442	234	10	.	.	PUNCT
fbem-21442	235	1	[	[	X
fbem-21442	235	2	2	2	NUM
fbem-21442	235	3	]	]	X
fbem-21442	235	4	xie	xie	PROPN
fbem-21442	235	5	,	,	PUNCT
fbem-21442	235	6	j.	j.	PROPN
fbem-21442	235	7	&	&	CCONJ
fbem-21442	235	8	wu	wu	PROPN
fbem-21442	235	9	,	,	PUNCT
fbem-21442	235	10	j.	j.	PROPN
fbem-21442	235	11	ru	ru	PROPN
fbem-21442	235	12	.	.	PROPN
fbem-21442	235	13	digital	digital	PROPN
fbem-21442	235	14	finance	finance	NOUN
fbem-21442	235	15	,	,	PUNCT
fbem-21442	235	16	credit	credit	NOUN
fbem-21442	235	17	constraints	constraint	NOUN
fbem-21442	235	18	and	and	CCONJ
fbem-21442	235	19	household	household	NOUN
fbem-21442	235	20	consumption	consumption	NOUN
fbem-21442	236	1	[	[	X
fbem-21442	236	2	j	j	X
fbem-21442	236	3	]	]	X
fbem-21442	236	4	.	.	PUNCT
fbem-21442	237	1	journal	journal	PROPN
fbem-21442	237	2	of	of	ADP
fbem-21442	237	3	central	central	PROPN
fbem-21442	237	4	south	south	PROPN
fbem-21442	237	5	university	university	PROPN
fbem-21442	237	6	(	(	PUNCT
fbem-21442	237	7	social	social	ADJ
fbem-21442	237	8	science	science	NOUN
fbem-21442	237	9	edition	edition	PROPN
fbem-21442	237	10	)	)	PUNCT
fbem-21442	237	11	,	,	PUNCT
fbem-21442	237	12	2020,26(02	2020,26(02	NUM
fbem-21442	237	13	)	)	PUNCT
fbem-21442	237	14	:	:	PUNCT
fbem-21442	238	1	9~20	9~20	X
fbem-21442	238	2	.	.	PUNCT
fbem-21442	239	1	[	[	X
fbem-21442	239	2	3	3	NUM
fbem-21442	239	3	]	]	X
fbem-21442	239	4	zou	zou	PROPN
fbem-21442	239	5	x.	x.	PROPN
fbem-21442	239	6	&	&	CCONJ
fbem-21442	239	7	wang	wang	PROPN
fbem-21442	239	8	wang	wang	PROPN
fbem-21442	239	9	.	.	PUNCT
fbem-21442	240	1	research	research	NOUN
fbem-21442	240	2	on	on	ADP
fbem-21442	240	3	the	the	DET
fbem-21442	240	4	impact	impact	NOUN
fbem-21442	240	5	of	of	ADP
fbem-21442	240	6	digital	digital	ADJ
fbem-21442	240	7	inclusive	inclusive	ADJ
fbem-21442	240	8	finance	finance	NOUN
fbem-21442	240	9	on	on	ADP
fbem-21442	240	10	household	household	NOUN
fbem-21442	240	11	consumption	consumption	NOUN
fbem-21442	240	12	:	:	PUNCT
fbem-21442	240	13	an	an	DET
fbem-21442	240	14	empirical	empirical	ADJ
fbem-21442	240	15	analysis	analysis	NOUN
fbem-21442	240	16	based	base	VERB
fbem-21442	240	17	on	on	ADP
fbem-21442	240	18	spatial	spatial	ADJ
fbem-21442	240	19	econometric	econometric	ADJ
fbem-21442	240	20	model	model	NOUN
fbem-21442	241	1	[	[	X
fbem-21442	241	2	j	j	X
fbem-21442	241	3	]	]	X
fbem-21442	241	4	.	.	PUNCT
fbem-21442	242	1	journal	journal	PROPN
fbem-21442	242	2	of	of	ADP
fbem-21442	242	3	financial	financial	ADJ
fbem-21442	242	4	economics	economic	NOUN
fbem-21442	242	5	,	,	PUNCT
fbem-21442	242	6	2020,35(04	2020,35(04	NUM
fbem-21442	242	7	)	)	PUNCT
fbem-21442	242	8	:	:	PUNCT
fbem-21442	243	1	133	133	NUM
fbem-21442	243	2	-	-	SYM
fbem-21442	243	3	145	145	NUM
fbem-21442	243	4	.	.	PUNCT
fbem-21442	244	1	[	[	X
fbem-21442	244	2	4	4	NUM
fbem-21442	244	3	]	]	X
fbem-21442	244	4	lan	lan	PROPN
fbem-21442	244	5	,	,	PUNCT
fbem-21442	244	6	l.	l.	PROPN
fbem-21442	244	7	&	&	CCONJ
fbem-21442	244	8	yang	yang	PROPN
fbem-21442	244	9	,	,	PUNCT
fbem-21442	244	10	z.	z.	PROPN
fbem-21442	244	11	can	can	AUX
fbem-21442	244	12	digital	digital	PROPN
fbem-21442	244	13	inclusive	inclusive	ADJ
fbem-21442	244	14	finance	finance	NOUN
fbem-21442	244	15	improve	improve	VERB
fbem-21442	244	16	residents	resident	NOUN
fbem-21442	244	17	'	'	PART
fbem-21442	244	18	consumption	consumption	NOUN
fbem-21442	244	19	level	level	NOUN
fbem-21442	244	20	?	?	PUNCT
fbem-21442	245	1	research	research	NOUN
fbem-21442	245	2	on	on	ADP
fbem-21442	245	3	financial	financial	ADJ
fbem-21442	245	4	and	and	CCONJ
fbem-21442	245	5	economic	economic	ADJ
fbem-21442	245	6	issues	issue	NOUN
fbem-21442	245	7	,	,	PUNCT
fbem-21442	245	8	2021(12	2021(12	NUM
fbem-21442	245	9	)	)	PUNCT
fbem-21442	245	10	:	:	PUNCT
fbem-21442	245	11	49~57	49~57	NUM
fbem-21442	245	12	.	.	PUNCT
fbem-21442	246	1	[	[	X
fbem-21442	246	2	5	5	NUM
fbem-21442	246	3	]	]	X
fbem-21442	246	4	wang	wang	PROPN
fbem-21442	246	5	,	,	PUNCT
fbem-21442	246	6	j.	j.	PROPN
fbem-21442	246	7	&	&	CCONJ
fbem-21442	246	8	shen	shen	PROPN
fbem-21442	246	9	,	,	PUNCT
fbem-21442	246	10	y.	y.	PROPN
fbem-21442	246	11	digital	digital	PROPN
fbem-21442	246	12	inclusive	inclusive	ADJ
fbem-21442	246	13	finance	finance	NOUN
fbem-21442	246	14	,	,	PUNCT
fbem-21442	246	15	night	night	NOUN
fbem-21442	246	16	economy	economy	NOUN
fbem-21442	246	17	and	and	CCONJ
fbem-21442	246	18	household	household	NOUN
fbem-21442	246	19	consumption	consumption	NOUN
fbem-21442	247	1	[	[	X
fbem-21442	247	2	j	j	X
fbem-21442	247	3	]	]	X
fbem-21442	247	4	.	.	PUNCT
fbem-21442	248	1	economic	economic	ADJ
fbem-21442	248	2	review,2023(03	review,2023(03	PROPN
fbem-21442	248	3	)	)	PUNCT
fbem-21442	248	4	:	:	PUNCT
fbem-21442	248	5	87~98	87~98	NUM
fbem-21442	248	6	.	.	PUNCT
fbem-21442	249	1	[	[	X
fbem-21442	249	2	6	6	NUM
fbem-21442	249	3	]	]	PUNCT
fbem-21442	249	4	qi	qi	PROPN
fbem-21442	249	5	h	h	NOUN
fbem-21442	249	6	q	q	PROPN
fbem-21442	249	7	,	,	PUNCT
fbem-21442	249	8	liu	liu	PROPN
fbem-21442	249	9	q	q	PROPN
fbem-21442	249	10	h.	h.	PROPN
fbem-21442	249	11	the	the	DET
fbem-21442	249	12	impact	impact	NOUN
fbem-21442	249	13	of	of	ADP
fbem-21442	249	14	the	the	DET
fbem-21442	249	15	development	development	NOUN
fbem-21442	249	16	of	of	ADP
fbem-21442	249	17	digital	digital	ADJ
fbem-21442	249	18	inclusive	inclusive	ADJ
fbem-21442	249	19	finance	finance	NOUN
fbem-21442	249	20	on	on	ADP
fbem-21442	249	21	chinese	chinese	ADJ
fbem-21442	249	22	residents	resident	NOUN
fbem-21442	249	23	'	'	PART
fbem-21442	249	24	consumption	consumption	NOUN
fbem-21442	249	25	inequality	inequality	NOUN
fbem-21442	249	26	[	[	X
fbem-21442	249	27	j	j	X
fbem-21442	249	28	]	]	X
fbem-21442	249	29	.	.	PUNCT
fbem-21442	250	1	exploration	exploration	NOUN
fbem-21442	250	2	of	of	ADP
fbem-21442	250	3	economic	economic	ADJ
fbem-21442	250	4	issues	issue	NOUN
fbem-21442	250	5	,	,	PUNCT
fbem-21442	250	6	2022(10	2022(10	NUM
fbem-21442	250	7	)	)	PUNCT
fbem-21442	250	8	:	:	PUNCT
fbem-21442	250	9	161	161	NUM
fbem-21442	250	10	-	-	SYM
fbem-21442	250	11	172	172	NUM
fbem-21442	250	12	.	.	PUNCT
fbem-21442	251	1	[	[	X
fbem-21442	251	2	7	7	NUM
fbem-21442	251	3	]	]	X
fbem-21442	251	4	fang	fang	X
fbem-21442	251	5	,	,	PUNCT
fbem-21442	251	6	x.	x.	PROPN
fbem-21442	251	7	,	,	PUNCT
fbem-21442	251	8	liu	liu	PROPN
fbem-21442	251	9	,	,	PUNCT
fbem-21442	251	10	w.	w.	PROPN
fbem-21442	251	11	&	&	CCONJ
fbem-21442	251	12	chen	chen	PROPN
fbem-21442	251	13	,	,	PUNCT
fbem-21442	251	14	c.	c.	PROPN
fbem-21442	251	15	digital	digital	PROPN
fbem-21442	251	16	inclusive	inclusive	ADJ
fbem-21442	251	17	finance	finance	NOUN
fbem-21442	251	18	,	,	PUNCT
fbem-21442	251	19	household	household	NOUN
fbem-21442	251	20	consumption	consumption	NOUN
fbem-21442	251	21	and	and	CCONJ
fbem-21442	251	22	economic	economic	ADJ
fbem-21442	251	23	growth	growth	NOUN
fbem-21442	251	24	:	:	PUNCT
fbem-21442	251	25	empirical	empirical	ADJ
fbem-21442	251	26	evidence	evidence	NOUN
fbem-21442	251	27	from	from	ADP
fbem-21442	251	28	china	china	PROPN
fbem-21442	251	29	's	's	PART
fbem-21442	251	30	provincial	provincial	ADJ
fbem-21442	251	31	panel	panel	NOUN
fbem-21442	251	32	data	data	VERB
fbem-21442	251	33	[	[	X
fbem-21442	251	34	j	j	X
fbem-21442	251	35	]	]	X
fbem-21442	251	36	.	.	PUNCT
fbem-21442	252	1	journal	journal	PROPN
fbem-21442	252	2	of	of	ADP
fbem-21442	252	3	southeast	southeast	PROPN
fbem-21442	252	4	university	university	PROPN
fbem-21442	252	5	(	(	PUNCT
fbem-21442	252	6	philosophy	philosophy	NOUN
fbem-21442	252	7	and	and	CCONJ
fbem-21442	252	8	social	social	ADJ
fbem-21442	252	9	sciences	science	NOUN
fbem-21442	252	10	)	)	PUNCT
fbem-21442	252	11	,	,	PUNCT
fbem-21442	252	12	2022	2022	NUM
fbem-21442	252	13	,	,	PUNCT
fbem-21442	252	14	24(03	24(03	NUM
fbem-21442	252	15	)	)	PUNCT
fbem-21442	252	16	:	:	PUNCT
fbem-21442	253	1	40~50	40~50	PUNCT
fbem-21442	253	2	+	+	NOUN
fbem-21442	253	3	146~147	146~147	NOUN
fbem-21442	253	4	.	.	PUNCT
fbem-21442	254	1	[	[	X
fbem-21442	254	2	8	8	NUM
fbem-21442	254	3	]	]	X
fbem-21442	254	4	xue	xue	PROPN
fbem-21442	254	5	qiu	qiu	PROPN
fbem-21442	254	6	-	-	PUNCT
fbem-21442	254	7	tong	tong	PROPN
fbem-21442	254	8	,	,	PUNCT
fbem-21442	254	9	feng	feng	PROPN
fbem-21442	254	10	si	si	PROPN
fbem-21442	254	11	-	-	PROPN
fbem-21442	254	12	xian	xian	NOUN
fbem-21442	254	13	.	.	PUNCT
fbem-21442	255	1	digital	digital	ADJ
fbem-21442	255	2	inclusive	inclusive	ADJ
fbem-21442	255	3	finance	finance	NOUN
fbem-21442	255	4	,	,	PUNCT
fbem-21442	255	5	household	household	NOUN
fbem-21442	255	6	consumption	consumption	NOUN
fbem-21442	255	7	and	and	CCONJ
fbem-21442	255	8	high	high	ADJ
fbem-21442	255	9	-	-	PUNCT
fbem-21442	255	10	quality	quality	NOUN
fbem-21442	255	11	economic	economic	ADJ
fbem-21442	255	12	development	development	NOUN
fbem-21442	256	1	[	[	X
fbem-21442	256	2	j	j	X
fbem-21442	256	3	]	]	X
fbem-21442	256	4	.	.	PUNCT
fbem-21442	257	1	modern	modern	ADJ
fbem-21442	257	2	economic	economic	ADJ
fbem-21442	257	3	research,2022(07	research,2022(07	PROPN
fbem-21442	257	4	)	)	PUNCT
fbem-21442	257	5	:	:	PUNCT
fbem-21442	258	1	26~40	26~40	X
fbem-21442	258	2	.	.	PUNCT
fbem-21442	259	1	[	[	X
fbem-21442	259	2	9	9	NUM
fbem-21442	259	3	]	]	X
fbem-21442	259	4	zhou	zhou	PROPN
fbem-21442	259	5	,	,	PUNCT
fbem-21442	259	6	c.	c.	PROPN
fbem-21442	259	7	&	&	CCONJ
fbem-21442	259	8	yang	yang	PROPN
fbem-21442	259	9	,	,	PUNCT
fbem-21442	259	10	y.	y.	NOUN
fbem-21442	259	11	impact	impact	NOUN
fbem-21442	259	12	mechanism	mechanism	NOUN
fbem-21442	259	13	and	and	CCONJ
fbem-21442	259	14	empirical	empirical	ADJ
fbem-21442	259	15	analysis	analysis	NOUN
fbem-21442	259	16	of	of	ADP
fbem-21442	259	17	digital	digital	ADJ
fbem-21442	259	18	inclusive	inclusive	ADJ
fbem-21442	259	19	finance	finance	NOUN
fbem-21442	259	20	on	on	ADP
fbem-21442	259	21	rural	rural	ADJ
fbem-21442	259	22	residents	resident	NOUN
fbem-21442	259	23	'	'	PART
fbem-21442	259	24	consumption	consumption	NOUN
fbem-21442	259	25	[	[	X
fbem-21442	259	26	j	j	X
fbem-21442	259	27	]	]	X
fbem-21442	259	28	.	.	PUNCT
fbem-21442	260	1	guihai	guihai	PROPN
fbem-21442	260	2	anthology,2023,39(05	anthology,2023,39(05	PROPN
fbem-21442	260	3	)	)	PUNCT
fbem-21442	260	4	:	:	PUNCT
fbem-21442	261	1	44~56	44~56	X
fbem-21442	261	2	.	.	PUNCT
fbem-21442	262	1	[	[	X
fbem-21442	262	2	10	10	NUM
fbem-21442	262	3	]	]	X
fbem-21442	262	4	fan	fan	PROPN
fbem-21442	262	5	,	,	PUNCT
fbem-21442	262	6	f.	f.	PROPN
fbem-21442	262	7	&	&	CCONJ
fbem-21442	262	8	peng	peng	PROPN
fbem-21442	262	9	,	,	PUNCT
fbem-21442	262	10	t.	t.	PROPN
fbem-21442	262	11	research	research	NOUN
fbem-21442	262	12	on	on	ADP
fbem-21442	262	13	the	the	DET
fbem-21442	262	14	impact	impact	NOUN
fbem-21442	262	15	of	of	ADP
fbem-21442	262	16	digital	digital	ADJ
fbem-21442	262	17	inclusive	inclusive	ADJ
fbem-21442	262	18	finance	finance	NOUN
fbem-21442	262	19	on	on	ADP
fbem-21442	262	20	the	the	DET
fbem-21442	262	21	consumption	consumption	NOUN
fbem-21442	262	22	of	of	ADP
fbem-21442	262	23	rural	rural	ADJ
fbem-21442	262	24	residents	resident	NOUN
fbem-21442	262	25	in	in	ADP
fbem-21442	262	26	china	china	PROPN
fbem-21442	263	1	[	[	X
fbem-21442	263	2	j	j	X
fbem-21442	263	3	]	]	X
fbem-21442	263	4	.	.	PUNCT
fbem-21442	264	1	social	social	ADJ
fbem-21442	264	2	science	science	PROPN
fbem-21442	264	3	front,2023(01	front,2023(01	PROPN
fbem-21442	264	4	)	)	PUNCT
fbem-21442	264	5	:	:	PUNCT
fbem-21442	264	6	82	82	NUM
fbem-21442	264	7	-	-	SYM
fbem-21442	264	8	91	91	NUM
fbem-21442	264	9	.	.	PUNCT
fbem-21442	265	1	[	[	X
fbem-21442	265	2	11	11	NUM
fbem-21442	265	3	]	]	SYM
fbem-21442	265	4	yang	yang	PROPN
fbem-21442	265	5	,	,	PUNCT
fbem-21442	265	6	w.	w.	PROPN
fbem-21442	265	7	,	,	PUNCT
fbem-21442	265	8	su	su	PROPN
fbem-21442	265	9	,	,	PUNCT
fbem-21442	265	10	l.	l.	PROPN
fbem-21442	265	11	&	&	CCONJ
fbem-21442	265	12	wang	wang	PROPN
fbem-21442	265	13	,	,	PUNCT
fbem-21442	265	14	m.	m.	NOUN
fbem-21442	265	15	digital	digital	PROPN
fbem-21442	265	16	inclusive	inclusive	ADJ
fbem-21442	265	17	finance	finance	NOUN
fbem-21442	265	18	and	and	CCONJ
fbem-21442	265	19	urban	urban	ADJ
fbem-21442	265	20	and	and	CCONJ
fbem-21442	265	21	rural	rural	ADJ
fbem-21442	265	22	residents	resident	NOUN
fbem-21442	265	23	'	'	PART
fbem-21442	265	24	income	income	NOUN
fbem-21442	265	25	:	:	PUNCT
fbem-21442	265	26	an	an	DET
fbem-21442	265	27	analysis	analysis	NOUN
fbem-21442	265	28	of	of	ADP
fbem-21442	265	29	the	the	DET
fbem-21442	265	30	mediating	mediate	VERB
fbem-21442	265	31	effect	effect	NOUN
fbem-21442	265	32	between	between	ADP
fbem-21442	265	33	economic	economic	ADJ
fbem-21442	265	34	growth	growth	NOUN
fbem-21442	265	35	and	and	CCONJ
fbem-21442	265	36	entrepreneurial	entrepreneurial	ADJ
fbem-21442	265	37	behavior	behavior	NOUN
fbem-21442	266	1	[	[	X
fbem-21442	266	2	j	j	X
fbem-21442	266	3	]	]	X
fbem-21442	266	4	.	.	PUNCT
fbem-21442	267	1	journal	journal	PROPN
fbem-21442	267	2	of	of	ADP
fbem-21442	267	3	shanghai	shanghai	PROPN
fbem-21442	267	4	university	university	PROPN
fbem-21442	267	5	of	of	ADP
fbem-21442	267	6	finance	finance	NOUN
fbem-21442	267	7	and	and	CCONJ
fbem-21442	267	8	economics	economic	NOUN
fbem-21442	267	9	,	,	PUNCT
fbem-21442	267	10	2020	2020	NUM
fbem-21442	267	11	,	,	PUNCT
fbem-21442	267	12	22(04	22(04	NUM
fbem-21442	267	13	)	)	PUNCT
fbem-21442	267	14	:	:	PUNCT
fbem-21442	267	15	83~94	83~94	NUM
fbem-21442	267	16	.	.	PUNCT
fbem-21442	268	1	[	[	X
fbem-21442	268	2	12	12	NUM
fbem-21442	268	3	]	]	SYM
fbem-21442	268	4	li	li	PROPN
fbem-21442	268	5	,	,	PUNCT
fbem-21442	268	6	w.	w.	PROPN
fbem-21442	268	7	&	&	CCONJ
fbem-21442	268	8	liu	liu	PROPN
fbem-21442	268	9	,	,	PUNCT
fbem-21442	268	10	j.	j.	PROPN
fbem-21442	268	11	the	the	DET
fbem-21442	268	12	income	income	NOUN
fbem-21442	268	13	effect	effect	NOUN
fbem-21442	268	14	and	and	CCONJ
fbem-21442	268	15	consumption	consumption	NOUN
fbem-21442	268	16	inequality	inequality	NOUN
fbem-21442	268	17	of	of	ADP
fbem-21442	268	18	digital	digital	ADJ
fbem-21442	268	19	inclusive	inclusive	ADJ
fbem-21442	268	20	finance	finance	NOUN
fbem-21442	268	21	:	:	PUNCT
fbem-21442	268	22	the	the	DET
fbem-21442	268	23	interpretation	interpretation	NOUN
fbem-21442	268	24	of	of	ADP
fbem-21442	268	25	the	the	DET
fbem-21442	268	26	report	report	NOUN
fbem-21442	268	27	of	of	ADP
fbem-21442	268	28	the	the	DET
fbem-21442	268	29	20th	20th	ADJ
fbem-21442	268	30	national	national	ADJ
fbem-21442	268	31	congress	congress	PROPN
fbem-21442	268	32	of	of	ADP
fbem-21442	268	33	the	the	DET
fbem-21442	268	34	communist	communist	PROPN
fbem-21442	268	35	party	party	PROPN
fbem-21442	268	36	of	of	ADP
fbem-21442	268	37	china	china	PROPN
fbem-21442	268	38	from	from	ADP
fbem-21442	268	39	the	the	DET
fbem-21442	268	40	perspective	perspective	NOUN
fbem-21442	268	41	of	of	ADP
fbem-21442	268	42	people	people	NOUN
fbem-21442	268	43	's	's	PART
fbem-21442	268	44	livelihood	livelihood	NOUN
fbem-21442	268	45	and	and	CCONJ
fbem-21442	268	46	well	well	ADV
fbem-21442	268	47	-	-	PUNCT
fbem-21442	268	48	being	be	AUX
fbem-21442	268	49	[	[	X
fbem-21442	268	50	j	j	X
fbem-21442	268	51	]	]	X
fbem-21442	268	52	.	.	PUNCT
fbem-21442	268	53	journal	journal	PROPN
fbem-21442	268	54	of	of	ADP
fbem-21442	268	55	financial	financial	ADJ
fbem-21442	268	56	economics,2023,38(01	economics,2023,38(01	PROPN
fbem-21442	268	57	)	)	PUNCT
fbem-21442	268	58	:	:	PUNCT
fbem-21442	269	1	34~51	34~51	X
fbem-21442	269	2	.	.	PUNCT
fbem-21442	270	1	[	[	X
fbem-21442	270	2	13	13	NUM
fbem-21442	270	3	]	]	X
fbem-21442	270	4	chen	chen	PROPN
fbem-21442	270	5	,	,	PUNCT
fbem-21442	270	6	j.	j.	PROPN
fbem-21442	270	7	&	&	CCONJ
fbem-21442	270	8	chang	chang	PROPN
fbem-21442	270	9	,	,	PUNCT
fbem-21442	270	10	k.	k.	PROPN
fbem-21442	270	11	mechanism	mechanism	NOUN
fbem-21442	270	12	and	and	CCONJ
fbem-21442	270	13	improvement	improvement	NOUN
fbem-21442	270	14	countermeasures	countermeasure	NOUN
fbem-21442	270	15	of	of	ADP
fbem-21442	270	16	digital	digital	ADJ
fbem-21442	270	17	inclusive	inclusive	ADJ
fbem-21442	270	18	finance	finance	NOUN
fbem-21442	270	19	to	to	PART
fbem-21442	270	20	promote	promote	VERB
fbem-21442	270	21	household	household	NOUN
fbem-21442	270	22	consumption	consumption	NOUN
fbem-21442	270	23	[	[	X
fbem-21442	270	24	j	j	X
fbem-21442	270	25	]	]	X
fbem-21442	270	26	.	.	PUNCT
fbem-21442	271	1	theoretical	theoretical	ADJ
fbem-21442	271	2	discussion,2024(01	discussion,2024(01	NOUN
fbem-21442	271	3	)	)	PUNCT
fbem-21442	271	4	:	:	PUNCT
fbem-21442	272	1	144	144	NUM
fbem-21442	272	2	-	-	SYM
fbem-21442	272	3	149	149	NUM
fbem-21442	272	4	.	.	PUNCT
fbem-21442	273	1	[	[	X
fbem-21442	273	2	14	14	NUM
fbem-21442	273	3	]	]	X
fbem-21442	273	4	tang	tang	PROPN
fbem-21442	273	5	shihui	shihui	PROPN
fbem-21442	273	6	.	.	PUNCT
fbem-21442	274	1	measurement	measurement	NOUN
fbem-21442	274	2	and	and	CCONJ
fbem-21442	274	3	analysis	analysis	NOUN
fbem-21442	274	4	of	of	ADP
fbem-21442	274	5	the	the	DET
fbem-21442	274	6	impact	impact	NOUN
fbem-21442	274	7	of	of	ADP
fbem-21442	274	8	digital	digital	ADJ
fbem-21442	274	9	inclusive	inclusive	ADJ
fbem-21442	274	10	finance	finance	NOUN
fbem-21442	274	11	on	on	ADP
fbem-21442	274	12	household	household	NOUN
fbem-21442	274	13	consumption	consumption	NOUN
fbem-21442	275	1	[	[	X
fbem-21442	275	2	j	j	X
fbem-21442	275	3	]	]	X
fbem-21442	275	4	.	.	PUNCT
fbem-21442	276	1	research	research	NOUN
fbem-21442	276	2	of	of	ADP
fbem-21442	276	3	business	business	NOUN
fbem-21442	276	4	economics,2020(21	economics,2020(21	ADV
fbem-21442	276	5	)	)	PUNCT
fbem-21442	276	6	:	:	PUNCT
fbem-21442	277	1	57~60	57~60	X
fbem-21442	277	2	.	.	PUNCT
fbem-21442	278	1	[	[	X
fbem-21442	278	2	15	15	NUM
fbem-21442	278	3	]	]	X
fbem-21442	278	4	feng	feng	PROPN
fbem-21442	278	5	,	,	PUNCT
fbem-21442	278	6	s.	s.	PROPN
fbem-21442	278	7	&	&	CCONJ
fbem-21442	278	8	song	song	PROPN
fbem-21442	278	9	,	,	PUNCT
fbem-21442	278	10	q.	q.	PROPN
fbem-21442	278	11	research	research	NOUN
fbem-21442	278	12	on	on	ADP
fbem-21442	278	13	the	the	DET
fbem-21442	278	14	impact	impact	NOUN
fbem-21442	278	15	of	of	ADP
fbem-21442	278	16	digital	digital	ADJ
fbem-21442	278	17	finance	finance	NOUN
fbem-21442	278	18	development	development	NOUN
fbem-21442	278	19	on	on	ADP
fbem-21442	278	20	the	the	DET
fbem-21442	278	21	quality	quality	NOUN
fbem-21442	278	22	of	of	ADP
fbem-21442	278	23	life	life	NOUN
fbem-21442	278	24	of	of	ADP
fbem-21442	278	25	chinese	chinese	ADJ
fbem-21442	278	26	residents	resident	NOUN
fbem-21442	278	27	[	[	X
fbem-21442	278	28	j	j	X
fbem-21442	278	29	]	]	X
fbem-21442	278	30	.	.	PUNCT
fbem-21442	279	1	review	review	NOUN
fbem-21442	279	2	of	of	ADP
fbem-21442	279	3	economics	economic	NOUN
fbem-21442	279	4	and	and	CCONJ
fbem-21442	279	5	management	management	NOUN
fbem-21442	279	6	,	,	PUNCT
fbem-21442	279	7	2021	2021	NUM
fbem-21442	279	8	,	,	PUNCT
fbem-21442	279	9	37(01	37(01	NUM
fbem-21442	279	10	)	)	PUNCT
fbem-21442	279	11	:	:	PUNCT
fbem-21442	279	12	101~113	101~113	NUM
fbem-21442	279	13	.	.	PUNCT
fbem-21442	280	1	[	[	X
fbem-21442	280	2	16	16	NUM
fbem-21442	280	3	]	]	X
fbem-21442	280	4	an	an	PROPN
fbem-21442	280	5	,	,	PUNCT
fbem-21442	280	6	q.	q.	PROPN
fbem-21442	280	7	,	,	PUNCT
fbem-21442	280	8	liu	liu	PROPN
fbem-21442	280	9	,	,	PUNCT
fbem-21442	280	10	j.	j.	PROPN
fbem-21442	280	11	&	&	CCONJ
fbem-21442	280	12	li	li	PROPN
fbem-21442	280	13	,	,	PUNCT
fbem-21442	280	14	w.	w.	PROPN
fbem-21442	280	15	digital	digital	PROPN
fbem-21442	280	16	inclusive	inclusive	ADJ
fbem-21442	280	17	finance	finance	NOUN
fbem-21442	280	18	and	and	CCONJ
fbem-21442	280	19	the	the	DET
fbem-21442	280	20	upgrading	upgrading	NOUN
fbem-21442	280	21	of	of	ADP
fbem-21442	280	22	residents	resident	NOUN
fbem-21442	280	23	'	'	PART
fbem-21442	280	24	consumption	consumption	NOUN
fbem-21442	280	25	structure	structure	NOUN
fbem-21442	280	26	:	:	PUNCT
fbem-21442	280	27	mechanism	mechanism	NOUN
fbem-21442	280	28	and	and	CCONJ
fbem-21442	280	29	empirical	empirical	ADJ
fbem-21442	280	30	evidence	evidence	NOUN
fbem-21442	281	1	[	[	X
fbem-21442	281	2	j	j	X
fbem-21442	281	3	]	]	X
fbem-21442	281	4	.	.	PUNCT
fbem-21442	282	1	journal	journal	PROPN
fbem-21442	282	2	of	of	ADP
fbem-21442	282	3	yunnan	yunnan	PROPN
fbem-21442	282	4	university	university	PROPN
fbem-21442	282	5	of	of	ADP
fbem-21442	282	6	finance	finance	NOUN
fbem-21442	282	7	and	and	CCONJ
fbem-21442	282	8	economics,2023,39(03	economics,2023,39(03	NUM
fbem-21442	282	9	)	)	PUNCT
fbem-21442	282	10	:	:	PUNCT
fbem-21442	283	1	1~23	1~23	X
fbem-21442	283	2	.	.	PUNCT
fbem-21442	284	1	[	[	X
fbem-21442	284	2	17	17	NUM
fbem-21442	284	3	]	]	X
fbem-21442	284	4	wang	wang	PROPN
fbem-21442	284	5	,	,	PUNCT
fbem-21442	284	6	j.	j.	PROPN
fbem-21442	284	7	&	&	CCONJ
fbem-21442	284	8	wang	wang	PROPN
fbem-21442	284	9	,	,	PUNCT
fbem-21442	284	10	z.	z.	PROPN
fbem-21442	284	11	digital	digital	PROPN
fbem-21442	284	12	finance	finance	NOUN
fbem-21442	284	13	penetration	penetration	NOUN
fbem-21442	284	14	and	and	CCONJ
fbem-21442	284	15	household	household	NOUN
fbem-21442	284	16	consumption	consumption	NOUN
fbem-21442	284	17	in	in	ADP
fbem-21442	284	18	china	china	PROPN
fbem-21442	284	19	:	:	PUNCT
fbem-21442	284	20	heterogeneity	heterogeneity	NOUN
fbem-21442	284	21	characteristics	characteristic	NOUN
fbem-21442	284	22	and	and	CCONJ
fbem-21442	284	23	transmission	transmission	NOUN
fbem-21442	284	24	mechanism	mechanism	NOUN
fbem-21442	284	25	test	test	NOUN
fbem-21442	285	1	[	[	X
fbem-21442	285	2	j	j	X
fbem-21442	285	3	]	]	X
fbem-21442	285	4	.	.	PUNCT
fbem-21442	286	1	journal	journal	PROPN
fbem-21442	286	2	of	of	ADP
fbem-21442	286	3	business	business	NOUN
fbem-21442	286	4	economics	economic	NOUN
fbem-21442	286	5	,	,	PUNCT
fbem-21442	286	6	2022(12	2022(12	NUM
fbem-21442	286	7	)	)	PUNCT
fbem-21442	286	8	:	:	PUNCT
fbem-21442	286	9	64~68	64~68	NUM
fbem-21442	286	10	.	.	PUNCT
fbem-21442	287	1	[	[	X
fbem-21442	287	2	18	18	NUM
fbem-21442	287	3	]	]	SYM
fbem-21442	287	4	yao	yao	PROPN
fbem-21442	287	5	,	,	PUNCT
fbem-21442	287	6	j.	j.	PROPN
fbem-21442	287	7	,	,	PUNCT
fbem-21442	287	8	zang	zang	PROPN
fbem-21442	287	9	,	,	PUNCT
fbem-21442	287	10	x.	x.	PROPN
fbem-21442	287	11	&	&	CCONJ
fbem-21442	287	12	zhou	zhou	PROPN
fbem-21442	287	13	,	,	PUNCT
fbem-21442	287	14	b.	b.	PROPN
fbem-21442	287	15	heterogeneity	heterogeneity	PROPN
fbem-21442	287	16	of	of	ADP
fbem-21442	287	17	chinese	chinese	ADJ
fbem-21442	287	18	residents	resident	NOUN
fbem-21442	287	19	'	'	PART
fbem-21442	287	20	marginal	marginal	ADJ
fbem-21442	287	21	propensity	propensity	NOUN
fbem-21442	287	22	to	to	PART
fbem-21442	287	23	consume	consume	VERB
fbem-21442	287	24	and	and	CCONJ
fbem-21442	287	25	the	the	DET
fbem-21442	287	26	release	release	NOUN
fbem-21442	287	27	of	of	ADP
fbem-21442	287	28	consumption	consumption	NOUN
fbem-21442	287	29	potential	potential	NOUN
fbem-21442	287	30	:	:	PUNCT
fbem-21442	287	31	an	an	DET
fbem-21442	287	32	analysis	analysis	NOUN
fbem-21442	287	33	from	from	ADP
fbem-21442	287	34	the	the	DET
fbem-21442	287	35	perspective	perspective	NOUN
fbem-21442	287	36	of	of	ADP
fbem-21442	287	37	household	household	NOUN
fbem-21442	287	38	credit	credit	NOUN
fbem-21442	287	39	and	and	CCONJ
fbem-21442	287	40	asset	asset	NOUN
fbem-21442	287	41	allocation	allocation	NOUN
fbem-21442	287	42	[	[	X
fbem-21442	287	43	j	j	X
fbem-21442	287	44	]	]	X
fbem-21442	287	45	.	.	PUNCT
fbem-21442	288	1	economic	economic	ADJ
fbem-21442	288	2	trends	trend	NOUN
fbem-21442	288	3	,	,	PUNCT
fbem-21442	288	4	2022(08	2022(08	NUM
fbem-21442	288	5	)	)	PUNCT
fbem-21442	288	6	:	:	PUNCT
fbem-21442	288	7	45~60	45~60	NUM
fbem-21442	288	8	.	.	PUNCT
fbem-21442	289	1	[	[	X
fbem-21442	289	2	19	19	NUM
fbem-21442	289	3	]	]	X
fbem-21442	289	4	tan	tan	PROPN
fbem-21442	289	5	,	,	PUNCT
fbem-21442	289	6	y.	y.	PROPN
fbem-21442	289	7	,	,	PUNCT
fbem-21442	289	8	wang	wang	PROPN
fbem-21442	289	9	,	,	PUNCT
fbem-21442	289	10	x.	x.	PROPN
fbem-21442	289	11	&	&	CCONJ
fbem-21442	289	12	chen	chen	PROPN
fbem-21442	289	13	,	,	PUNCT
fbem-21442	289	14	m.	m.	PROPN
fbem-21442	289	15	digital	digital	PROPN
fbem-21442	289	16	inclusive	inclusive	ADJ
fbem-21442	289	17	finance	finance	NOUN
fbem-21442	289	18	,	,	PUNCT
fbem-21442	289	19	credit	credit	NOUN
fbem-21442	289	20	supply	supply	NOUN
fbem-21442	289	21	and	and	CCONJ
fbem-21442	289	22	household	household	NOUN
fbem-21442	289	23	consumption	consumption	NOUN
fbem-21442	290	1	[	[	X
fbem-21442	290	2	j	j	X
fbem-21442	290	3	]	]	X
fbem-21442	290	4	.	.	PUNCT
fbem-21442	291	1	consumer	consumer	NOUN
fbem-21442	291	2	economics	economic	NOUN
fbem-21442	291	3	,	,	PUNCT
fbem-21442	291	4	2023	2023	NUM
fbem-21442	291	5	,	,	PUNCT
fbem-21442	291	6	39(05	39(05	NUM
fbem-21442	291	7	)	)	PUNCT
fbem-21442	291	8	:	:	PUNCT
fbem-21442	292	1	78~89	78~89	X
fbem-21442	292	2	.	.	PUNCT
fbem-21442	293	1	[	[	X
fbem-21442	293	2	20	20	NUM
fbem-21442	293	3	]	]	X
fbem-21442	293	4	xiang	xiang	PROPN
fbem-21442	293	5	,	,	PUNCT
fbem-21442	293	6	y.	y.	PROPN
fbem-21442	293	7	research	research	PROPN
fbem-21442	293	8	on	on	ADP
fbem-21442	293	9	the	the	DET
fbem-21442	293	10	impact	impact	NOUN
fbem-21442	293	11	of	of	ADP
fbem-21442	293	12	digital	digital	ADJ
fbem-21442	293	13	inclusive	inclusive	ADJ
fbem-21442	293	14	finance	finance	NOUN
fbem-21442	293	15	on	on	ADP
fbem-21442	293	16	rural	rural	ADJ
fbem-21442	293	17	residents	resident	NOUN
fbem-21442	293	18	'	'	PART
fbem-21442	293	19	consumption	consumption	NOUN
fbem-21442	293	20	:	:	PUNCT
fbem-21442	293	21	based	base	VERB
fbem-21442	293	22	on	on	ADP
fbem-21442	293	23	dynamic	dynamic	ADJ
fbem-21442	293	24	effect	effect	NOUN
fbem-21442	293	25	and	and	CCONJ
fbem-21442	293	26	threshold	threshold	NOUN
fbem-21442	293	27	effect	effect	NOUN
fbem-21442	294	1	[	[	X
fbem-21442	294	2	j	j	X
fbem-21442	294	3	]	]	X
fbem-21442	294	4	.	.	PUNCT
fbem-21442	295	1	journal	journal	PROPN
fbem-21442	295	2	of	of	ADP
fbem-21442	295	3	business	business	NOUN
fbem-21442	295	4	economics,2022,(06	economics,2022,(06	NOUN
fbem-21442	295	5	)	)	PUNCT
fbem-21442	295	6	:	:	PUNCT
fbem-21442	296	1	172	172	NUM
fbem-21442	296	2	-	-	SYM
fbem-21442	296	3	176	176	NUM
fbem-21442	296	4	.	.	PUNCT
fbem-21442	297	1	[	[	X
fbem-21442	297	2	21	21	NUM
fbem-21442	297	3	]	]	SYM
fbem-21442	297	4	li	li	PROPN
fbem-21442	297	5	,	,	PUNCT
fbem-21442	297	6	f.	f.	PROPN
fbem-21442	297	7	&	&	CCONJ
fbem-21442	297	8	li	li	PROPN
fbem-21442	297	9	,	,	PUNCT
fbem-21442	297	10	x.	x.	VERB
fbem-21442	297	11	analysis	analysis	NOUN
fbem-21442	297	12	of	of	ADP
fbem-21442	297	13	the	the	DET
fbem-21442	297	14	influence	influence	NOUN
fbem-21442	297	15	mechanism	mechanism	NOUN
fbem-21442	297	16	of	of	ADP
fbem-21442	297	17	digital	digital	ADJ
fbem-21442	297	18	inclusive	inclusive	ADJ
fbem-21442	297	19	finance	finance	NOUN
fbem-21442	297	20	on	on	ADP
fbem-21442	297	21	residents	resident	NOUN
fbem-21442	297	22	'	'	PART
fbem-21442	297	23	consumption	consumption	NOUN
fbem-21442	297	24	level	level	NOUN
fbem-21442	297	25	[	[	X
fbem-21442	297	26	j	j	X
fbem-21442	297	27	]	]	X
fbem-21442	297	28	.	.	PUNCT
fbem-21442	298	1	credit	credit	PROPN
fbem-21442	298	2	investigation,2023,41(03	investigation,2023,41(03	PROPN
fbem-21442	298	3	)	)	PUNCT
fbem-21442	298	4	:	:	PUNCT
fbem-21442	298	5	87	87	NUM
fbem-21442	298	6	-	-	SYM
fbem-21442	298	7	92	92	NUM
fbem-21442	298	8	.	.	PUNCT
fbem-21442	299	1	[	[	X
fbem-21442	299	2	22	22	NUM
fbem-21442	299	3	]	]	X
fbem-21442	299	4	wen	wen	PROPN
fbem-21442	299	5	,	,	PUNCT
fbem-21442	299	6	z.	z.	PROPN
fbem-21442	299	7	&	&	CCONJ
fbem-21442	299	8	ye	ye	PROPN
fbem-21442	299	9	,	,	PUNCT
fbem-21442	299	10	b.	b.	PROPN
fbem-21442	299	11	juan	juan	PROPN
fbem-21442	299	12	.	.	PUNCT
fbem-21442	300	1	advances	advance	NOUN
fbem-21442	300	2	in	in	ADP
fbem-21442	300	3	psychological	psychological	ADJ
fbem-21442	300	4	science,2014,22(05	science,2014,22(05	PROPN
fbem-21442	300	5	)	)	PUNCT
fbem-21442	300	6	:	:	PUNCT
fbem-21442	301	1	731	731	NUM
fbem-21442	301	2	-	-	SYM
fbem-21442	301	3	745	745	NUM
fbem-21442	301	4	.	.	PUNCT
fbem-21442	302	1	[	[	X
fbem-21442	302	2	23	23	NUM
fbem-21442	302	3	]	]	X
fbem-21442	302	4	liu	liu	PROPN
fbem-21442	302	5	,	,	PUNCT
fbem-21442	302	6	d.	d.	PROPN
fbem-21442	302	7	,	,	PUNCT
fbem-21442	302	8	fang	fang	PROPN
fbem-21442	302	9	,	,	PUNCT
fbem-21442	302	10	r.	r.	PROPN
fbem-21442	302	11	&	&	CCONJ
fbem-21442	302	12	tang	tang	PROPN
fbem-21442	302	13	,	,	PUNCT
fbem-21442	302	14	y.	y.	PROPN
fbem-21442	302	15	spatial	spatial	ADJ
fbem-21442	302	16	spillover	spillover	NOUN
fbem-21442	302	17	effect	effect	NOUN
fbem-21442	302	18	of	of	ADP
fbem-21442	302	19	digital	digital	ADJ
fbem-21442	302	20	inclusive	inclusive	ADJ
fbem-21442	302	21	finance	finance	NOUN
fbem-21442	302	22	development	development	NOUN
fbem-21442	302	23	on	on	ADP
fbem-21442	302	24	farmers	farmer	NOUN
fbem-21442	302	25	'	'	PART
fbem-21442	302	26	non	non	ADJ
fbem-21442	302	27	-	-	ADJ
fbem-21442	302	28	agricultural	agricultural	ADJ
fbem-21442	302	29	income	income	NOUN
fbem-21442	303	1	[	[	X
fbem-21442	303	2	j	j	X
fbem-21442	303	3	]	]	X
fbem-21442	303	4	.	.	PUNCT
fbem-21442	304	1	research	research	NOUN
fbem-21442	304	2	of	of	ADP
fbem-21442	304	3	financial	financial	ADJ
fbem-21442	304	4	economics,2019,34(03	economics,2019,34(03	PROPN
fbem-21442	304	5	)	)	PUNCT
fbem-21442	304	6	:	:	PUNCT
fbem-21442	305	1	57~66.z.w	57~66.z.w	NUM
fbem-21442	305	2	.	.	PUNCT
fbem-21442	306	1	zhang	zhang	PROPN
fbem-21442	306	2	,	,	PUNCT
fbem-21442	306	3	j.n	j.n	PROPN
fbem-21442	306	4	.	.	PROPN
fbem-21442	306	5	wang	wang	PROPN
fbem-21442	306	6	:	:	PUNCT
fbem-21442	306	7	crane	crane	NOUN
fbem-21442	306	8	design	design	NOUN
fbem-21442	306	9	manual	manual	NOUN
fbem-21442	306	10	(	(	PUNCT
fbem-21442	306	11	china	china	PROPN
fbem-21442	306	12	railway	railway	PROPN
fbem-21442	306	13	press	press	PROPN
fbem-21442	306	14	,	,	PUNCT
fbem-21442	306	15	china	china	PROPN
fbem-21442	306	16	1998	1998	NUM
fbem-21442	306	17	)	)	PUNCT
fbem-21442	306	18	,	,	PUNCT
fbem-21442	306	19	p.683	p.683	NOUN
fbem-21442	306	20	-	-	PUNCT
fbem-21442	306	21	685	685	NUM
fbem-21442	306	22	.	.	PUNCT
fbem-21442	307	1	(	(	PUNCT
fbem-21442	307	2	in	in	ADP
fbem-21442	307	3	chinese	chinese	ADJ
fbem-21442	307	4	)	)	PUNCT