id	sid	tid	token	lemma	pos
fbem-26954	1	1	frontiers	frontier	NOUN
fbem-26954	1	2	in	in	ADP
fbem-26954	1	3	business	business	NOUN
fbem-26954	1	4	,	,	PUNCT
fbem-26954	1	5	economics	economic	NOUN
fbem-26954	1	6	and	and	CCONJ
fbem-26954	1	7	management	management	NOUN
fbem-26954	1	8	issn	issn	PROPN
fbem-26954	1	9	:	:	PUNCT
fbem-26954	1	10	2766	2766	NUM
fbem-26954	1	11	-	-	PUNCT
fbem-26954	1	12	824x	824x	NUM
fbem-26954	1	13	|	|	ADJ
fbem-26954	1	14	vol	vol	NOUN
fbem-26954	1	15	.	.	PROPN
fbem-26954	1	16	17	17	NUM
fbem-26954	1	17	,	,	PUNCT
fbem-26954	1	18	no	no	INTJ
fbem-26954	1	19	.	.	NOUN
fbem-26954	1	20	1	1	NUM
fbem-26954	1	21	,	,	PUNCT
fbem-26954	1	22	2024	2024	NUM
fbem-26954	1	23	360	360	NUM
fbem-26954	1	24	the	the	DET
fbem-26954	1	25	usage	usage	NOUN
fbem-26954	1	26	of	of	ADP
fbem-26954	1	27	machine	machine	NOUN
fbem-26954	1	28	learning	learn	VERB
fbem-26954	1	29	algorithms	algorithm	NOUN
fbem-26954	1	30	in	in	ADP
fbem-26954	1	31	credit	credit	NOUN
fbem-26954	1	32	evaluation	evaluation	NOUN
fbem-26954	1	33	model	model	NOUN
fbem-26954	1	34	xiaoliang	xiaoliang	PROPN
fbem-26954	1	35	ji	ji	PROPN
fbem-26954	1	36	enae	enae	PROPN
fbem-26954	1	37	business	business	NOUN
fbem-26954	1	38	school	school	NOUN
fbem-26954	1	39	,	,	PUNCT
fbem-26954	1	40	murcia	murcia	PROPN
fbem-26954	1	41	30100	30100	NUM
fbem-26954	1	42	,	,	PUNCT
fbem-26954	1	43	spain	spain	PROPN
fbem-26954	1	44	abstract	abstract	NOUN
fbem-26954	1	45	:	:	PUNCT
fbem-26954	1	46	credit	credit	NOUN
fbem-26954	1	47	scoring	scoring	NOUN
fbem-26954	1	48	models	model	NOUN
fbem-26954	1	49	are	be	AUX
fbem-26954	1	50	important	important	ADJ
fbem-26954	1	51	tools	tool	NOUN
fbem-26954	1	52	for	for	ADP
fbem-26954	1	53	evaluating	evaluate	VERB
fbem-26954	1	54	the	the	DET
fbem-26954	1	55	credit	credit	NOUN
fbem-26954	1	56	status	status	NOUN
fbem-26954	1	57	of	of	ADP
fbem-26954	1	58	individuals	individual	NOUN
fbem-26954	1	59	or	or	CCONJ
fbem-26954	1	60	businesses	business	NOUN
fbem-26954	1	61	and	and	CCONJ
fbem-26954	1	62	play	play	VERB
fbem-26954	1	63	a	a	DET
fbem-26954	1	64	significant	significant	ADJ
fbem-26954	1	65	role	role	NOUN
fbem-26954	1	66	in	in	ADP
fbem-26954	1	67	the	the	DET
fbem-26954	1	68	financial	financial	ADJ
fbem-26954	1	69	field	field	NOUN
fbem-26954	1	70	.	.	PUNCT
fbem-26954	2	1	this	this	DET
fbem-26954	2	2	study	study	NOUN
fbem-26954	2	3	aims	aim	VERB
fbem-26954	2	4	to	to	PART
fbem-26954	2	5	suggest	suggest	VERB
fbem-26954	2	6	a	a	DET
fbem-26954	2	7	prediction	prediction	NOUN
fbem-26954	2	8	framework	framework	NOUN
fbem-26954	2	9	for	for	ADP
fbem-26954	2	10	credit	credit	NOUN
fbem-26954	2	11	evaluation	evaluation	NOUN
fbem-26954	2	12	model	model	NOUN
fbem-26954	2	13	based	base	VERB
fbem-26954	2	14	on	on	ADP
fbem-26954	2	15	machine	machine	NOUN
fbem-26954	2	16	learning	learning	NOUN
fbem-26954	2	17	(	(	PUNCT
fbem-26954	2	18	ml	ml	NOUN
fbem-26954	2	19	)	)	PUNCT
fbem-26954	2	20	algorithms	algorithm	NOUN
fbem-26954	2	21	and	and	CCONJ
fbem-26954	2	22	explore	explore	VERB
fbem-26954	2	23	the	the	DET
fbem-26954	2	24	application	application	NOUN
fbem-26954	2	25	principles	principle	NOUN
fbem-26954	2	26	and	and	CCONJ
fbem-26954	2	27	steps	step	NOUN
fbem-26954	2	28	of	of	ADP
fbem-26954	2	29	combining	combine	VERB
fbem-26954	2	30	credit	credit	NOUN
fbem-26954	2	31	scoring	scoring	NOUN
fbem-26954	2	32	models	model	NOUN
fbem-26954	2	33	,	,	PUNCT
fbem-26954	2	34	then	then	ADV
fbem-26954	2	35	provide	provide	VERB
fbem-26954	2	36	an	an	DET
fbem-26954	2	37	practical	practical	ADJ
fbem-26954	2	38	example	example	NOUN
fbem-26954	2	39	to	to	PART
fbem-26954	2	40	show	show	VERB
fbem-26954	2	41	the	the	DET
fbem-26954	2	42	method	method	NOUN
fbem-26954	2	43	for	for	ADP
fbem-26954	2	44	applying	apply	VERB
fbem-26954	2	45	the	the	DET
fbem-26954	2	46	model.in	model.in	PROPN
fbem-26954	2	47	addition	addition	NOUN
fbem-26954	2	48	,	,	PUNCT
fbem-26954	2	49	the	the	DET
fbem-26954	2	50	article	article	NOUN
fbem-26954	2	51	also	also	ADV
fbem-26954	2	52	analyzes	analyze	VERB
fbem-26954	2	53	the	the	DET
fbem-26954	2	54	issues	issue	NOUN
fbem-26954	2	55	tha	tha	INTJ
fbem-26954	2	56	t	t	NOUN
fbem-26954	2	57	credit	credit	NOUN
fbem-26954	2	58	evaluation	evaluation	NOUN
fbem-26954	2	59	models	model	NOUN
fbem-26954	2	60	should	should	AUX
fbem-26954	2	61	pay	pay	VERB
fbem-26954	2	62	attention	attention	NOUN
fbem-26954	2	63	to	to	ADP
fbem-26954	2	64	in	in	ADP
fbem-26954	2	65	production	production	NOUN
fbem-26954	2	66	practice	practice	NOUN
fbem-26954	2	67	at	at	ADP
fbem-26954	2	68	the	the	DET
fbem-26954	2	69	end	end	NOUN
fbem-26954	2	70	.	.	PUNCT
fbem-26954	3	1	keywords	keyword	NOUN
fbem-26954	3	2	:	:	PUNCT
fbem-26954	3	3	machine	machine	NOUN
fbem-26954	3	4	learning	learning	NOUN
fbem-26954	3	5	algorithms	algorithm	NOUN
fbem-26954	3	6	,	,	PUNCT
fbem-26954	3	7	credit	credit	NOUN
fbem-26954	3	8	evaluation	evaluation	NOUN
fbem-26954	3	9	models	model	NOUN
fbem-26954	3	10	,	,	PUNCT
fbem-26954	3	11	finance	finance	NOUN
fbem-26954	3	12	,	,	PUNCT
fbem-26954	3	13	credit	credit	NOUN
fbem-26954	3	14	evaluation	evaluation	NOUN
fbem-26954	3	15	,	,	PUNCT
fbem-26954	3	16	credit	credit	NOUN
fbem-26954	3	17	scoring	scoring	NOUN
fbem-26954	3	18	.	.	PUNCT
fbem-26954	4	1	1	1	X
fbem-26954	4	2	.	.	X
fbem-26954	4	3	introduction	introduction	NOUN
fbem-26954	4	4	using	use	VERB
fbem-26954	4	5	machine	machine	NOUN
fbem-26954	4	6	learning	learn	VERB
fbem-26954	4	7	algorithms	algorithm	NOUN
fbem-26954	4	8	in	in	ADP
fbem-26954	4	9	credit	credit	NOUN
fbem-26954	4	10	evaluation	evaluation	NOUN
fbem-26954	4	11	model	model	NOUN
fbem-26954	4	12	is	be	AUX
fbem-26954	4	13	both	both	PRON
fbem-26954	4	14	frontier	frontier	NOUN
fbem-26954	4	15	and	and	CCONJ
fbem-26954	4	16	challenging	challenging	ADJ
fbem-26954	4	17	.	.	PUNCT
fbem-26954	5	1	the	the	DET
fbem-26954	5	2	credit	credit	NOUN
fbem-26954	5	3	scoring	scoring	NOUN
fbem-26954	5	4	model	model	NOUN
fbem-26954	5	5	is	be	AUX
fbem-26954	5	6	an	an	DET
fbem-26954	5	7	important	important	ADJ
fbem-26954	5	8	tool	tool	NOUN
fbem-26954	5	9	for	for	ADP
fbem-26954	5	10	evaluating	evaluate	VERB
fbem-26954	5	11	credit	credit	NOUN
fbem-26954	5	12	status	status	NOUN
fbem-26954	5	13	of	of	ADP
fbem-26954	5	14	individuals	individual	NOUN
fbem-26954	5	15	or	or	CCONJ
fbem-26954	5	16	businesses	business	NOUN
fbem-26954	5	17	,	,	PUNCT
fbem-26954	5	18	and	and	CCONJ
fbem-26954	5	19	plays	play	VERB
fbem-26954	5	20	a	a	DET
fbem-26954	5	21	significant	significant	ADJ
fbem-26954	5	22	role	role	NOUN
fbem-26954	5	23	in	in	ADP
fbem-26954	5	24	the	the	DET
fbem-26954	5	25	financial	financial	ADJ
fbem-26954	5	26	field	field	NOUN
fbem-26954	5	27	.	.	PUNCT
fbem-26954	6	1	machine	machine	NOUN
fbem-26954	6	2	learning	learn	VERB
fbem-26954	6	3	algorithms	algorithm	NOUN
fbem-26954	6	4	,	,	PUNCT
fbem-26954	6	5	with	with	ADP
fbem-26954	6	6	their	their	PRON
fbem-26954	6	7	powerful	powerful	ADJ
fbem-26954	6	8	data	datum	NOUN
fbem-26954	6	9	processing	processing	NOUN
fbem-26954	6	10	capabilities	capability	NOUN
fbem-26954	6	11	and	and	CCONJ
fbem-26954	6	12	precise	precise	ADJ
fbem-26954	6	13	risk	risk	NOUN
fbem-26954	6	14	identification	identification	NOUN
fbem-26954	6	15	abilities	ability	NOUN
fbem-26954	6	16	,	,	PUNCT
fbem-26954	6	17	have	have	AUX
fbem-26954	6	18	injected	inject	VERB
fbem-26954	6	19	new	new	ADJ
fbem-26954	6	20	vitality	vitality	NOUN
fbem-26954	6	21	into	into	ADP
fbem-26954	6	22	credit	credit	NOUN
fbem-26954	6	23	scoring	scoring	NOUN
fbem-26954	6	24	models	model	NOUN
fbem-26954	6	25	.	.	PUNCT
fbem-26954	7	1	today	today	NOUN
fbem-26954	7	2	,	,	PUNCT
fbem-26954	7	3	more	more	ADJ
fbem-26954	7	4	and	and	CCONJ
fbem-26954	7	5	more	more	ADJ
fbem-26954	7	6	banks	bank	NOUN
fbem-26954	7	7	and	and	CCONJ
fbem-26954	7	8	financial	financial	ADJ
fbem-26954	7	9	institutions	institution	NOUN
fbem-26954	7	10	are	be	AUX
fbem-26954	7	11	using	use	VERB
fbem-26954	7	12	artificial	artificial	ADJ
fbem-26954	7	13	intelligence	intelligence	NOUN
fbem-26954	7	14	for	for	ADP
fbem-26954	7	15	credit	credit	NOUN
fbem-26954	7	16	management	management	NOUN
fbem-26954	7	17	.	.	PUNCT
fbem-26954	8	1	therefore	therefore	ADV
fbem-26954	8	2	,	,	PUNCT
fbem-26954	8	3	we	we	PRON
fbem-26954	8	4	should	should	AUX
fbem-26954	8	5	explore	explore	VERB
fbem-26954	8	6	methods	method	NOUN
fbem-26954	8	7	of	of	ADP
fbem-26954	8	8	integrating	integrate	VERB
fbem-26954	8	9	credit	credit	NOUN
fbem-26954	8	10	evaluation	evaluation	NOUN
fbem-26954	8	11	models	model	NOUN
fbem-26954	8	12	with	with	ADP
fbem-26954	8	13	machine	machine	NOUN
fbem-26954	8	14	learning	learn	VERB
fbem-26954	8	15	algorithms	algorithm	NOUN
fbem-26954	8	16	.	.	PUNCT
fbem-26954	9	1	2	2	X
fbem-26954	9	2	.	.	X
fbem-26954	9	3	methodology	methodology	NOUN
fbem-26954	9	4	2.1	2.1	NUM
fbem-26954	9	5	.	.	PUNCT
fbem-26954	9	6	basic	basic	ADJ
fbem-26954	9	7	principles	principle	NOUN
fbem-26954	9	8	of	of	ADP
fbem-26954	9	9	credit	credit	NOUN
fbem-26954	9	10	evaluation	evaluation	NOUN
fbem-26954	9	11	models	model	NOUN
fbem-26954	9	12	credit	credit	NOUN
fbem-26954	9	13	evaluation	evaluation	NOUN
fbem-26954	9	14	models	model	NOUN
fbem-26954	9	15	often	often	ADV
fbem-26954	9	16	use	use	VERB
fbem-26954	9	17	statistical	statistical	ADJ
fbem-26954	9	18	analysis	analysis	NOUN
fbem-26954	9	19	of	of	ADP
fbem-26954	9	20	historical	historical	ADJ
fbem-26954	9	21	data	datum	NOUN
fbem-26954	9	22	to	to	PART
fbem-26954	9	23	determine	determine	VERB
fbem-26954	9	24	factors	factor	NOUN
fbem-26954	9	25	that	that	PRON
fbem-26954	9	26	affect	affect	VERB
fbem-26954	9	27	default	default	NOUN
fbem-26954	9	28	probability	probability	NOUN
fbem-26954	9	29	and	and	CCONJ
fbem-26954	9	30	assign	assign	VERB
fbem-26954	9	31	corresponding	correspond	VERB
fbem-26954	9	32	weights	weight	NOUN
fbem-26954	9	33	to	to	PART
fbem-26954	9	34	calculate	calculate	VERB
fbem-26954	9	35	credit	credit	NOUN
fbem-26954	9	36	scores	score	NOUN
fbem-26954	9	37	.	.	PUNCT
fbem-26954	10	1	data	datum	NOUN
fbem-26954	10	2	preprocessing	preprocessing	NOUN
fbem-26954	10	3	refers	refer	NOUN
fbem-26954	10	4	to	to	ADP
fbem-26954	10	5	the	the	DET
fbem-26954	10	6	process	process	NOUN
fbem-26954	10	7	of	of	ADP
fbem-26954	10	8	cleaning	cleaning	NOUN
fbem-26954	10	9	,	,	PUNCT
fbem-26954	10	10	transforming	transform	VERB
fbem-26954	10	11	,	,	PUNCT
fbem-26954	10	12	and	and	CCONJ
fbem-26954	10	13	normalizing	normalize	VERB
fbem-26954	10	14	input	input	NOUN
fbem-26954	10	15	data	datum	NOUN
fbem-26954	10	16	during	during	ADP
fbem-26954	10	17	model	model	NOUN
fbem-26954	10	18	training	training	NOUN
fbem-26954	10	19	and	and	CCONJ
fbem-26954	10	20	prediction	prediction	NOUN
fbem-26954	10	21	to	to	PART
fbem-26954	10	22	improve	improve	VERB
fbem-26954	10	23	model	model	NOUN
fbem-26954	10	24	performance	performance	NOUN
fbem-26954	10	25	.	.	PUNCT
fbem-26954	11	1	common	common	ADJ
fbem-26954	11	2	data	datum	NOUN
fbem-26954	11	3	preprocessing	preprocessing	NOUN
fbem-26954	11	4	methods	method	NOUN
fbem-26954	11	5	include	include	VERB
fbem-26954	11	6	:	:	PUNCT
fbem-26954	11	7	data	datum	NOUN
fbem-26954	11	8	cleaning	cleaning	NOUN
fbem-26954	11	9	:	:	PUNCT
fbem-26954	11	10	including	include	VERB
fbem-26954	11	11	methods	method	NOUN
fbem-26954	11	12	such	such	ADJ
fbem-26954	11	13	as	as	ADP
fbem-26954	11	14	removing	remove	VERB
fbem-26954	11	15	duplicate	duplicate	ADJ
fbem-26954	11	16	data	datum	NOUN
fbem-26954	11	17	,	,	PUNCT
fbem-26954	11	18	deleting	delete	VERB
fbem-26954	11	19	invalid	invalid	ADJ
fbem-26954	11	20	data	datum	NOUN
fbem-26954	11	21	,	,	PUNCT
fbem-26954	11	22	and	and	CCONJ
fbem-26954	11	23	repairing	repair	VERB
fbem-26954	11	24	erroneous	erroneous	ADJ
fbem-26954	11	25	data	datum	NOUN
fbem-26954	11	26	.	.	PUNCT
fbem-26954	12	1	missing	miss	VERB
fbem-26954	12	2	value	value	NOUN
fbem-26954	12	3	handling	handling	NOUN
fbem-26954	12	4	:	:	PUNCT
fbem-26954	12	5	including	include	VERB
fbem-26954	12	6	methods	method	NOUN
fbem-26954	12	7	such	such	ADJ
fbem-26954	12	8	as	as	ADP
fbem-26954	12	9	deleting	delete	VERB
fbem-26954	12	10	missing	miss	VERB
fbem-26954	12	11	values	value	NOUN
fbem-26954	12	12	and	and	CCONJ
fbem-26954	12	13	filling	fill	VERB
fbem-26954	12	14	in	in	ADP
fbem-26954	12	15	missing	miss	VERB
fbem-26954	12	16	values	value	NOUN
fbem-26954	12	17	.	.	PUNCT
fbem-26954	13	1	data	datum	NOUN
fbem-26954	13	2	conversion	conversion	PROPN
fbem-26954	13	3	:	:	PUNCT
fbem-26954	13	4	including	include	VERB
fbem-26954	13	5	methods	method	NOUN
fbem-26954	13	6	such	such	ADJ
fbem-26954	13	7	as	as	ADP
fbem-26954	13	8	hot	hot	ADJ
fbem-26954	13	9	encoding	encoding	NOUN
fbem-26954	13	10	,	,	PUNCT
fbem-26954	13	11	tag	tag	NOUN
fbem-26954	13	12	encoding	encoding	NOUN
fbem-26954	13	13	,	,	PUNCT
fbem-26954	13	14	and	and	CCONJ
fbem-26954	13	15	standardization	standardization	NOUN
fbem-26954	13	16	.	.	PUNCT
fbem-26954	14	1	data	datum	NOUN
fbem-26954	14	2	normalization	normalization	NOUN
fbem-26954	14	3	:	:	PUNCT
fbem-26954	14	4	including	include	VERB
fbem-26954	14	5	methods	method	NOUN
fbem-26954	14	6	such	such	ADJ
fbem-26954	14	7	as	as	ADP
fbem-26954	14	8	minimum	minimum	ADJ
fbem-26954	14	9	maximum	maximum	ADJ
fbem-26954	14	10	normalization	normalization	NOUN
fbem-26954	14	11	and	and	CCONJ
fbem-26954	14	12	normalization	normalization	NOUN
fbem-26954	14	13	.	.	PUNCT
fbem-26954	15	1	feature	feature	NOUN
fbem-26954	15	2	engineering	engineering	NOUN
fbem-26954	15	3	refers	refer	VERB
fbem-26954	15	4	to	to	ADP
fbem-26954	15	5	the	the	DET
fbem-26954	15	6	process	process	NOUN
fbem-26954	15	7	of	of	ADP
fbem-26954	15	8	creating	create	VERB
fbem-26954	15	9	new	new	ADJ
fbem-26954	15	10	features	feature	NOUN
fbem-26954	15	11	based	base	VERB
fbem-26954	15	12	on	on	ADP
fbem-26954	15	13	input	input	NOUN
fbem-26954	15	14	data	datum	NOUN
fbem-26954	15	15	during	during	ADP
fbem-26954	15	16	model	model	NOUN
fbem-26954	15	17	training	training	NOUN
fbem-26954	15	18	and	and	CCONJ
fbem-26954	15	19	prediction	prediction	NOUN
fbem-26954	15	20	to	to	PART
fbem-26954	15	21	improve	improve	VERB
fbem-26954	15	22	model	model	NOUN
fbem-26954	15	23	performance	performance	NOUN
fbem-26954	15	24	.	.	PUNCT
fbem-26954	16	1	common	common	ADJ
fbem-26954	16	2	feature	feature	NOUN
fbem-26954	16	3	engineering	engineering	NOUN
fbem-26954	16	4	methods	method	NOUN
fbem-26954	16	5	include	include	VERB
fbem-26954	16	6	:	:	PUNCT
fbem-26954	16	7	feature	feature	NOUN
fbem-26954	16	8	extraction	extraction	NOUN
fbem-26954	16	9	:	:	PUNCT
fbem-26954	16	10	including	include	VERB
fbem-26954	16	11	statistical	statistical	ADJ
fbem-26954	16	12	features	feature	NOUN
fbem-26954	16	13	,	,	PUNCT
fbem-26954	16	14	time	time	NOUN
fbem-26954	16	15	series	series	PROPN
fbem-26954	16	16	features	feature	VERB
fbem-26954	16	17	,	,	PUNCT
fbem-26954	16	18	text	text	NOUN
fbem-26954	16	19	features	feature	NOUN
fbem-26954	16	20	,	,	PUNCT
fbem-26954	16	21	and	and	CCONJ
fbem-26954	16	22	other	other	ADJ
fbem-26954	16	23	methods	method	NOUN
fbem-26954	16	24	.	.	PUNCT
fbem-26954	17	1	feature	feature	NOUN
fbem-26954	17	2	selection	selection	NOUN
fbem-26954	17	3	:	:	PUNCT
fbem-26954	17	4	including	include	VERB
fbem-26954	17	5	methods	method	NOUN
fbem-26954	17	6	such	such	ADJ
fbem-26954	17	7	as	as	ADP
fbem-26954	17	8	correlation	correlation	NOUN
fbem-26954	17	9	evaluation	evaluation	NOUN
fbem-26954	17	10	,	,	PUNCT
fbem-26954	17	11	information	information	NOUN
fbem-26954	17	12	gain	gain	NOUN
fbem-26954	17	13	evaluation	evaluation	NOUN
fbem-26954	17	14	,	,	PUNCT
fbem-26954	17	15	l1	l1	PROPN
fbem-26954	17	16	regularization	regularization	NOUN
fbem-26954	17	17	,	,	PUNCT
fbem-26954	17	18	etc	etc	X
fbem-26954	17	19	.	.	X
fbem-26954	17	20	feature	feature	NOUN
fbem-26954	17	21	construction	construction	NOUN
fbem-26954	17	22	:	:	PUNCT
fbem-26954	17	23	including	include	VERB
fbem-26954	17	24	methods	method	NOUN
fbem-26954	17	25	such	such	ADJ
fbem-26954	17	26	as	as	ADP
fbem-26954	17	27	cross	cross	NOUN
fbem-26954	17	28	feature	feature	NOUN
fbem-26954	17	29	and	and	CCONJ
fbem-26954	17	30	combination	combination	NOUN
fbem-26954	17	31	feature	feature	NOUN
fbem-26954	17	32	.	.	PUNCT
fbem-26954	18	1	this	this	DET
fbem-26954	18	2	process	process	NOUN
fbem-26954	18	3	involves	involve	VERB
fbem-26954	18	4	multiple	multiple	ADJ
fbem-26954	18	5	steps	step	NOUN
fbem-26954	18	6	,	,	PUNCT
fbem-26954	18	7	including	include	VERB
fbem-26954	18	8	data	data	NOUN
fbem-26954	18	9	collection	collection	NOUN
fbem-26954	18	10	,	,	PUNCT
fbem-26954	18	11	data	datum	NOUN
fbem-26954	18	12	processing	processing	NOUN
fbem-26954	18	13	,	,	PUNCT
fbem-26954	18	14	model	model	NOUN
fbem-26954	18	15	training	training	NOUN
fbem-26954	18	16	,	,	PUNCT
fbem-26954	18	17	model	model	NOUN
fbem-26954	18	18	validation	validation	NOUN
fbem-26954	18	19	,	,	PUNCT
fbem-26954	18	20	and	and	CCONJ
fbem-26954	18	21	improvement	improvement	NOUN
fbem-26954	18	22	.	.	PUNCT
fbem-26954	19	1	common	common	ADJ
fbem-26954	19	2	statistical	statistical	ADJ
fbem-26954	19	3	learning	learning	NOUN
fbem-26954	19	4	methods	method	NOUN
fbem-26954	19	5	include	include	VERB
fbem-26954	19	6	linear	linear	PROPN
fbem-26954	19	7	regression	regression	NOUN
fbem-26954	19	8	,	,	PUNCT
fbem-26954	19	9	logistic	logistic	ADJ
fbem-26954	19	10	regression	regression	NOUN
fbem-26954	19	11	,	,	PUNCT
fbem-26954	19	12	probability	probability	NOUN
fbem-26954	19	13	analysis	analysis	NOUN
fbem-26954	19	14	,	,	PUNCT
fbem-26954	19	15	decision	decision	NOUN
fbem-26954	19	16	trees	tree	NOUN
fbem-26954	19	17	,	,	PUNCT
fbem-26954	19	18	neural	neural	ADJ
fbem-26954	19	19	networks	network	NOUN
fbem-26954	19	20	,	,	PUNCT
fbem-26954	19	21	etc	etc	X
fbem-26954	19	22	.	.	X
fbem-26954	20	1	different	different	ADJ
fbem-26954	20	2	methods	method	NOUN
fbem-26954	20	3	have	have	VERB
fbem-26954	20	4	different	different	ADJ
fbem-26954	20	5	advantages	advantage	NOUN
fbem-26954	20	6	and	and	CCONJ
fbem-26954	20	7	disadvantages	disadvantage	NOUN
fbem-26954	20	8	,	,	PUNCT
fbem-26954	20	9	and	and	CCONJ
fbem-26954	20	10	are	be	AUX
fbem-26954	20	11	suitable	suitable	ADJ
fbem-26954	20	12	for	for	ADP
fbem-26954	20	13	different	different	ADJ
fbem-26954	20	14	scenarios	scenario	NOUN
fbem-26954	20	15	and	and	CCONJ
fbem-26954	20	16	needs	need	NOUN
fbem-26954	20	17	.	.	PUNCT
fbem-26954	21	1	essentially	essentially	ADV
fbem-26954	21	2	,	,	PUNCT
fbem-26954	21	3	credit	credit	NOUN
fbem-26954	21	4	assessment	assessment	NOUN
fbem-26954	21	5	is	be	AUX
fbem-26954	21	6	a	a	DET
fbem-26954	21	7	process	process	NOUN
fbem-26954	21	8	of	of	ADP
fbem-26954	21	9	scoring	scoring	NOUN
fbem-26954	21	10	or	or	CCONJ
fbem-26954	21	11	classifying	classify	VERB
fbem-26954	21	12	customers	customer	NOUN
fbem-26954	21	13	,	,	PUNCT
fbem-26954	21	14	which	which	PRON
fbem-26954	21	15	can	can	AUX
fbem-26954	21	16	be	be	AUX
fbem-26954	21	17	achieved	achieve	VERB
fbem-26954	21	18	through	through	ADP
fbem-26954	21	19	different	different	ADJ
fbem-26954	21	20	types	type	NOUN
fbem-26954	21	21	of	of	ADP
fbem-26954	21	22	statistical	statistical	ADJ
fbem-26954	21	23	learning	learning	NOUN
fbem-26954	21	24	algorithms	algorithm	NOUN
fbem-26954	21	25	with	with	ADP
fbem-26954	21	26	varying	vary	VERB
fbem-26954	21	27	application	application	NOUN
fbem-26954	21	28	scenarios	scenario	NOUN
fbem-26954	21	29	.	.	PUNCT
fbem-26954	22	1	2.2	2.2	NUM
fbem-26954	22	2	.	.	PUNCT
fbem-26954	22	3	application	application	NOUN
fbem-26954	22	4	of	of	ADP
fbem-26954	22	5	machine	machine	NOUN
fbem-26954	22	6	learning	learn	VERB
fbem-26954	22	7	algorithms	algorithm	NOUN
fbem-26954	22	8	in	in	ADP
fbem-26954	22	9	credit	credit	NOUN
fbem-26954	22	10	evaluation	evaluation	NOUN
fbem-26954	22	11	with	with	ADP
fbem-26954	22	12	the	the	DET
fbem-26954	22	13	continuous	continuous	ADJ
fbem-26954	22	14	development	development	NOUN
fbem-26954	22	15	of	of	ADP
fbem-26954	22	16	big	big	ADJ
fbem-26954	22	17	data	datum	NOUN
fbem-26954	22	18	and	and	CCONJ
fbem-26954	22	19	artificial	artificial	ADJ
fbem-26954	22	20	intelligence	intelligence	NOUN
fbem-26954	22	21	technology	technology	NOUN
fbem-26954	22	22	,	,	PUNCT
fbem-26954	22	23	the	the	DET
fbem-26954	22	24	application	application	NOUN
fbem-26954	22	25	of	of	ADP
fbem-26954	22	26	machine	machine	NOUN
fbem-26954	22	27	learning	learn	VERB
fbem-26954	22	28	algorithms	algorithm	NOUN
fbem-26954	22	29	in	in	ADP
fbem-26954	22	30	credit	credit	NOUN
fbem-26954	22	31	evaluation	evaluation	NOUN
fbem-26954	22	32	is	be	AUX
fbem-26954	22	33	becoming	become	VERB
fbem-26954	22	34	increasingly	increasingly	ADV
fbem-26954	22	35	widespread	widespread	ADJ
fbem-26954	22	36	.	.	PUNCT
fbem-26954	23	1	machine	machine	NOUN
fbem-26954	23	2	learning	learn	VERB
fbem-26954	23	3	algorithms	algorithm	NOUN
fbem-26954	23	4	can	can	AUX
fbem-26954	23	5	automatically	automatically	ADV
fbem-26954	23	6	learn	learn	VERB
fbem-26954	23	7	features	feature	NOUN
fbem-26954	23	8	from	from	ADP
fbem-26954	23	9	large	large	ADJ
fbem-26954	23	10	amounts	amount	NOUN
fbem-26954	23	11	of	of	ADP
fbem-26954	23	12	historical	historical	ADJ
fbem-26954	23	13	data	datum	NOUN
fbem-26954	23	14	,	,	PUNCT
fbem-26954	23	15	improve	improve	VERB
fbem-26954	23	16	and	and	CCONJ
fbem-26954	23	17	adjust	adjust	VERB
fbem-26954	23	18	credit	credit	NOUN
fbem-26954	23	19	evaluation	evaluation	NOUN
fbem-26954	23	20	models	model	NOUN
fbem-26954	23	21	,	,	PUNCT
fbem-26954	23	22	thus	thus	ADV
fbem-26954	23	23	making	make	VERB
fbem-26954	23	24	analysis	analysis	NOUN
fbem-26954	23	25	results	result	VERB
fbem-26954	23	26	more	more	ADV
fbem-26954	23	27	accurate	accurate	ADJ
fbem-26954	23	28	.	.	PUNCT
fbem-26954	24	1	common	common	ADJ
fbem-26954	24	2	machine	machine	NOUN
fbem-26954	24	3	learning	learn	VERB
fbem-26954	24	4	algorithms	algorithm	NOUN
fbem-26954	24	5	include	include	VERB
fbem-26954	24	6	support	support	NOUN
fbem-26954	24	7	vector	vector	NOUN
fbem-26954	24	8	machines	machine	NOUN
fbem-26954	24	9	,	,	PUNCT
fbem-26954	24	10	random	random	ADJ
fbem-26954	24	11	forests	forest	NOUN
fbem-26954	24	12	,	,	PUNCT
fbem-26954	24	13	gradient	gradient	ADJ
fbem-26954	24	14	boosting	boost	VERB
fbem-26954	24	15	decision	decision	NOUN
fbem-26954	24	16	trees	tree	NOUN
fbem-26954	24	17	,	,	PUNCT
fbem-26954	24	18	deep	deep	ADJ
fbem-26954	24	19	learning	learning	NOUN
fbem-26954	24	20	,	,	PUNCT
fbem-26954	24	21	etc	etc	X
fbem-26954	24	22	.	.	X
fbem-26954	25	1	these	these	DET
fbem-26954	25	2	algorithms	algorithm	NOUN
fbem-26954	25	3	can	can	AUX
fbem-26954	25	4	capture	capture	VERB
fbem-26954	25	5	more	more	ADV
fbem-26954	25	6	complex	complex	ADJ
fbem-26954	25	7	nonlinear	nonlinear	ADJ
fbem-26954	25	8	relationships	relationship	NOUN
fbem-26954	25	9	and	and	CCONJ
fbem-26954	25	10	improve	improve	VERB
fbem-26954	25	11	the	the	DET
fbem-26954	25	12	accuracy	accuracy	NOUN
fbem-26954	25	13	of	of	ADP
fbem-26954	25	14	credit	credit	NOUN
fbem-26954	25	15	scoring	scoring	NOUN
fbem-26954	25	16	.	.	PUNCT
fbem-26954	26	1	in	in	ADP
fbem-26954	26	2	addition	addition	NOUN
fbem-26954	26	3	,	,	PUNCT
fbem-26954	26	4	we	we	PRON
fbem-26954	26	5	can	can	AUX
fbem-26954	26	6	also	also	ADV
fbem-26954	26	7	integrate	integrate	VERB
fbem-26954	26	8	the	the	DET
fbem-26954	26	9	evaluation	evaluation	NOUN
fbem-26954	26	10	results	result	NOUN
fbem-26954	26	11	of	of	ADP
fbem-26954	26	12	different	different	ADJ
fbem-26954	26	13	types	type	NOUN
fbem-26954	26	14	of	of	ADP
fbem-26954	26	15	algorithms	algorithm	NOUN
fbem-26954	26	16	.	.	PUNCT
fbem-26954	27	1	model	model	NOUN
fbem-26954	27	2	selection	selection	NOUN
fbem-26954	27	3	requires	require	VERB
fbem-26954	27	4	consideration	consideration	NOUN
fbem-26954	27	5	of	of	ADP
fbem-26954	27	6	multiple	multiple	ADJ
fbem-26954	27	7	factors	factor	NOUN
fbem-26954	27	8	,	,	PUNCT
fbem-26954	27	9	including	include	VERB
fbem-26954	27	10	task	task	NOUN
fbem-26954	27	11	type	type	NOUN
fbem-26954	27	12	,	,	PUNCT
fbem-26954	27	13	dataset	dataset	NOUN
fbem-26954	27	14	,	,	PUNCT
fbem-26954	27	15	model	model	NOUN
fbem-26954	27	16	complexity	complexity	NOUN
fbem-26954	27	17	,	,	PUNCT
fbem-26954	27	18	and	and	CCONJ
fbem-26954	27	19	computational	computational	ADJ
fbem-26954	27	20	resources	resource	NOUN
fbem-26954	27	21	.	.	PUNCT
fbem-26954	28	1	firstly	firstly	ADV
fbem-26954	28	2	,	,	PUNCT
fbem-26954	28	3	it	it	PRON
fbem-26954	28	4	is	be	AUX
fbem-26954	28	5	necessary	necessary	ADJ
fbem-26954	28	6	to	to	PART
fbem-26954	28	7	clarify	clarify	VERB
fbem-26954	28	8	one	one	NUM
fbem-26954	28	9	's	's	PART
fbem-26954	28	10	task	task	NOUN
fbem-26954	28	11	type	type	NOUN
fbem-26954	28	12	,	,	PUNCT
fbem-26954	28	13	as	as	SCONJ
fbem-26954	28	14	different	different	ADJ
fbem-26954	28	15	types	type	NOUN
fbem-26954	28	16	of	of	ADP
fbem-26954	28	17	tasks	task	NOUN
fbem-26954	28	18	require	require	VERB
fbem-26954	28	19	the	the	DET
fbem-26954	28	20	use	use	NOUN
fbem-26954	28	21	of	of	ADP
fbem-26954	28	22	different	different	ADJ
fbem-26954	28	23	models	model	NOUN
fbem-26954	28	24	.	.	PUNCT
fbem-26954	29	1	secondly	secondly	ADV
fbem-26954	29	2	,	,	PUNCT
fbem-26954	29	3	it	it	PRON
fbem-26954	29	4	is	be	AUX
fbem-26954	29	5	necessary	necessary	ADJ
fbem-26954	29	6	to	to	PART
fbem-26954	29	7	consider	consider	VERB
fbem-26954	29	8	the	the	DET
fbem-26954	29	9	dataset	dataset	NOUN
fbem-26954	29	10	used	use	VERB
fbem-26954	29	11	,	,	PUNCT
fbem-26954	29	12	as	as	ADP
fbem-26954	29	13	its	its	PRON
fbem-26954	29	14	size	size	NOUN
fbem-26954	29	15	,	,	PUNCT
fbem-26954	29	16	characteristics	characteristic	NOUN
fbem-26954	29	17	,	,	PUNCT
fbem-26954	29	18	and	and	CCONJ
fbem-26954	29	19	difficulty	difficulty	NOUN
fbem-26954	29	20	can	can	AUX
fbem-26954	29	21	all	all	PRON
fbem-26954	29	22	affect	affect	VERB
fbem-26954	29	23	the	the	DET
fbem-26954	29	24	performance	performance	NOUN
fbem-26954	29	25	and	and	CCONJ
fbem-26954	29	26	selection	selection	NOUN
fbem-26954	29	27	of	of	ADP
fbem-26954	29	28	the	the	DET
fbem-26954	29	29	model	model	NOUN
fbem-26954	29	30	.	.	PUNCT
fbem-26954	30	1	for	for	ADP
fbem-26954	30	2	example	example	NOUN
fbem-26954	30	3	,	,	PUNCT
fbem-26954	30	4	for	for	ADP
fbem-26954	30	5	smaller	small	ADJ
fbem-26954	30	6	datasets	dataset	NOUN
fbem-26954	30	7	,	,	PUNCT
fbem-26954	30	8	lightweight	lightweight	ADJ
fbem-26954	30	9	models	model	NOUN
fbem-26954	30	10	can	can	AUX
fbem-26954	30	11	be	be	AUX
fbem-26954	30	12	used	use	VERB
fbem-26954	30	13	,	,	PUNCT
fbem-26954	30	14	while	while	SCONJ
fbem-26954	30	15	for	for	ADP
fbem-26954	30	16	complex	complex	ADJ
fbem-26954	30	17	datasets	dataset	NOUN
fbem-26954	30	18	,	,	PUNCT
fbem-26954	30	19	more	more	ADJ
fbem-26954	30	20	complex	complex	ADJ
fbem-26954	30	21	models	model	NOUN
fbem-26954	30	22	are	be	AUX
fbem-26954	30	23	required	require	VERB
fbem-26954	30	24	.	.	PUNCT
fbem-26954	31	1	thirdly	thirdly	ADV
fbem-26954	31	2	,	,	PUNCT
fbem-26954	31	3	it	it	PRON
fbem-26954	31	4	is	be	AUX
fbem-26954	31	5	also	also	ADV
fbem-26954	31	6	necessary	necessary	ADJ
fbem-26954	31	7	to	to	PART
fbem-26954	31	8	consider	consider	VERB
fbem-26954	31	9	the	the	DET
fbem-26954	31	10	limitations	limitation	NOUN
fbem-26954	31	11	of	of	ADP
fbem-26954	31	12	computing	compute	VERB
fbem-26954	31	13	resources	resource	NOUN
fbem-26954	31	14	,	,	PUNCT
fbem-26954	31	15	such	such	ADJ
fbem-26954	31	16	as	as	ADP
fbem-26954	31	17	computing	compute	VERB
fbem-26954	31	18	power	power	NOUN
fbem-26954	31	19	,	,	PUNCT
fbem-26954	31	20	memory	memory	NOUN
fbem-26954	31	21	size	size	NOUN
fbem-26954	31	22	,	,	PUNCT
fbem-26954	31	23	and	and	CCONJ
fbem-26954	31	24	video	video	NOUN
fbem-26954	31	25	memory	memory	NOUN
fbem-26954	31	26	size	size	NOUN
fbem-26954	31	27	.	.	PUNCT
fbem-26954	32	1	if	if	SCONJ
fbem-26954	32	2	computing	compute	VERB
fbem-26954	32	3	resources	resource	NOUN
fbem-26954	32	4	are	be	AUX
fbem-26954	32	5	limited	limited	ADJ
fbem-26954	32	6	,	,	PUNCT
fbem-26954	32	7	lightweight	lightweight	ADJ
fbem-26954	32	8	models	model	NOUN
fbem-26954	32	9	can	can	AUX
fbem-26954	32	10	be	be	AUX
fbem-26954	32	11	chosen	choose	VERB
fbem-26954	32	12	or	or	CCONJ
fbem-26954	32	13	distributed	distribute	VERB
fbem-26954	32	14	training	training	NOUN
fbem-26954	32	15	techniques	technique	NOUN
fbem-26954	32	16	can	can	AUX
fbem-26954	32	17	be	be	AUX
fbem-26954	32	18	used	use	VERB
fbem-26954	32	19	to	to	PART
fbem-26954	32	20	accelerate	accelerate	VERB
fbem-26954	32	21	training	training	NOUN
fbem-26954	32	22	.	.	PUNCT
fbem-26954	33	1	361	361	NUM
fbem-26954	33	2	finally	finally	ADV
fbem-26954	33	3	,	,	PUNCT
fbem-26954	33	4	the	the	DET
fbem-26954	33	5	complexity	complexity	NOUN
fbem-26954	33	6	and	and	CCONJ
fbem-26954	33	7	training	training	NOUN
fbem-26954	33	8	difficulty	difficulty	NOUN
fbem-26954	33	9	of	of	ADP
fbem-26954	33	10	the	the	DET
fbem-26954	33	11	model	model	NOUN
fbem-26954	33	12	also	also	ADV
fbem-26954	33	13	need	need	VERB
fbem-26954	33	14	to	to	PART
fbem-26954	33	15	be	be	AUX
fbem-26954	33	16	considered	consider	VERB
fbem-26954	33	17	.	.	PUNCT
fbem-26954	34	1	generally	generally	ADV
fbem-26954	34	2	speaking	speak	VERB
fbem-26954	34	3	,	,	PUNCT
fbem-26954	34	4	the	the	DET
fbem-26954	34	5	more	more	ADV
fbem-26954	34	6	complex	complex	ADJ
fbem-26954	34	7	the	the	DET
fbem-26954	34	8	model	model	NOUN
fbem-26954	34	9	,	,	PUNCT
fbem-26954	34	10	the	the	DET
fbem-26954	34	11	more	more	ADV
fbem-26954	34	12	computing	compute	VERB
fbem-26954	34	13	resources	resource	NOUN
fbem-26954	34	14	it	it	PRON
fbem-26954	34	15	requires	require	VERB
fbem-26954	34	16	,	,	PUNCT
fbem-26954	34	17	and	and	CCONJ
fbem-26954	34	18	the	the	PRON
fbem-26954	34	19	greater	great	ADJ
fbem-26954	34	20	the	the	DET
fbem-26954	34	21	training	training	NOUN
fbem-26954	34	22	difficulty	difficulty	NOUN
fbem-26954	34	23	.	.	PUNCT
fbem-26954	35	1	therefore	therefore	ADV
fbem-26954	35	2	,	,	PUNCT
fbem-26954	35	3	when	when	SCONJ
fbem-26954	35	4	selecting	select	VERB
fbem-26954	35	5	a	a	DET
fbem-26954	35	6	model	model	NOUN
fbem-26954	35	7	,	,	PUNCT
fbem-26954	35	8	it	it	PRON
fbem-26954	35	9	is	be	AUX
fbem-26954	35	10	necessary	necessary	ADJ
fbem-26954	35	11	to	to	PART
fbem-26954	35	12	balance	balance	VERB
fbem-26954	35	13	model	model	NOUN
fbem-26954	35	14	complexity	complexity	NOUN
fbem-26954	35	15	and	and	CCONJ
fbem-26954	35	16	performance	performance	NOUN
fbem-26954	35	17	3	3	NUM
fbem-26954	35	18	.	.	NOUN
fbem-26954	35	19	steps	step	NOUN
fbem-26954	35	20	for	for	ADP
fbem-26954	35	21	combining	combine	VERB
fbem-26954	35	22	credit	credit	NOUN
fbem-26954	35	23	scoring	scoring	NOUN
fbem-26954	35	24	with	with	ADP
fbem-26954	35	25	machine	machine	NOUN
fbem-26954	35	26	learning	learn	VERB
fbem-26954	35	27	algorithms	algorithm	NOUN
fbem-26954	35	28	establishing	establish	VERB
fbem-26954	35	29	a	a	DET
fbem-26954	35	30	credit	credit	NOUN
fbem-26954	35	31	evaluation	evaluation	NOUN
fbem-26954	35	32	model	model	NOUN
fbem-26954	35	33	typically	typically	ADV
fbem-26954	35	34	requires	require	VERB
fbem-26954	35	35	the	the	DET
fbem-26954	35	36	following	follow	VERB
fbem-26954	35	37	steps	step	NOUN
fbem-26954	35	38	(	(	PUNCT
fbem-26954	35	39	figure	figure	NOUN
fbem-26954	35	40	1	1	NUM
fbem-26954	35	41	):	):	PUNCT
fbem-26954	35	42	figure	figure	NOUN
fbem-26954	35	43	1	1	NUM
fbem-26954	35	44	.	.	PUNCT
fbem-26954	35	45	steps	step	NOUN
fbem-26954	35	46	to	to	PART
fbem-26954	35	47	establish	establish	VERB
fbem-26954	35	48	a	a	DET
fbem-26954	35	49	credit	credit	NOUN
fbem-26954	35	50	evaluation	evaluation	NOUN
fbem-26954	35	51	model	model	NOUN
fbem-26954	35	52	3.1	3.1	NUM
fbem-26954	35	53	.	.	PUNCT
fbem-26954	35	54	data	datum	NOUN
fbem-26954	35	55	processing	processing	NOUN
fbem-26954	35	56	and	and	CCONJ
fbem-26954	35	57	feature	feature	NOUN
fbem-26954	35	58	engineering	engineering	NOUN
fbem-26954	35	59	in	in	ADP
fbem-26954	35	60	the	the	DET
fbem-26954	35	61	combined	combine	VERB
fbem-26954	35	62	application	application	NOUN
fbem-26954	35	63	of	of	ADP
fbem-26954	35	64	credit	credit	NOUN
fbem-26954	35	65	evaluation	evaluation	NOUN
fbem-26954	35	66	models	model	NOUN
fbem-26954	35	67	and	and	CCONJ
fbem-26954	35	68	machine	machine	NOUN
fbem-26954	35	69	learning	learning	NOUN
fbem-26954	35	70	algorithms	algorithm	NOUN
fbem-26954	35	71	,	,	PUNCT
fbem-26954	35	72	data	datum	NOUN
fbem-26954	35	73	processing	processing	NOUN
fbem-26954	35	74	and	and	CCONJ
fbem-26954	35	75	feature	feature	NOUN
fbem-26954	35	76	engineering	engineering	NOUN
fbem-26954	35	77	are	be	AUX
fbem-26954	35	78	crucial	crucial	ADJ
fbem-26954	35	79	steps	step	NOUN
fbem-26954	35	80	.	.	PUNCT
fbem-26954	36	1	firstly	firstly	ADV
fbem-26954	36	2	,	,	PUNCT
fbem-26954	36	3	it	it	PRON
fbem-26954	36	4	is	be	AUX
fbem-26954	36	5	necessary	necessary	ADJ
fbem-26954	36	6	to	to	PART
fbem-26954	36	7	collect	collect	VERB
fbem-26954	36	8	relevant	relevant	ADJ
fbem-26954	36	9	data	datum	NOUN
fbem-26954	36	10	,	,	PUNCT
fbem-26954	36	11	including	include	VERB
fbem-26954	36	12	personal	personal	ADJ
fbem-26954	36	13	information	information	NOUN
fbem-26954	36	14	,	,	PUNCT
fbem-26954	36	15	credit	credit	NOUN
fbem-26954	36	16	records	record	NOUN
fbem-26954	36	17	,	,	PUNCT
fbem-26954	36	18	loan	loan	NOUN
fbem-26954	36	19	history	history	NOUN
fbem-26954	36	20	,	,	PUNCT
fbem-26954	36	21	etc	etc	X
fbem-26954	36	22	.	.	X
fbem-26954	37	1	these	these	DET
fbem-26954	37	2	data	datum	NOUN
fbem-26954	37	3	may	may	AUX
fbem-26954	37	4	come	come	VERB
fbem-26954	37	5	from	from	ADP
fbem-26954	37	6	different	different	ADJ
fbem-26954	37	7	sources	source	NOUN
fbem-26954	37	8	,	,	PUNCT
fbem-26954	37	9	so	so	ADV
fbem-26954	37	10	preprocessing	preprocessing	NOUN
fbem-26954	37	11	steps	step	NOUN
fbem-26954	37	12	such	such	ADJ
fbem-26954	37	13	as	as	ADP
fbem-26954	37	14	data	datum	NOUN
fbem-26954	37	15	cleaning	cleaning	NOUN
fbem-26954	37	16	,	,	PUNCT
fbem-26954	37	17	missing	miss	VERB
fbem-26954	37	18	value	value	NOUN
fbem-26954	37	19	processing	processing	NOUN
fbem-26954	37	20	,	,	PUNCT
fbem-26954	37	21	and	and	CCONJ
fbem-26954	37	22	outlier	outlier	NOUN
fbem-26954	37	23	detection	detection	NOUN
fbem-26954	37	24	are	be	AUX
fbem-26954	37	25	required	require	VERB
fbem-26954	37	26	.	.	PUNCT
fbem-26954	38	1	next	next	ADJ
fbem-26954	38	2	,	,	PUNCT
fbem-26954	38	3	feature	feature	NOUN
fbem-26954	38	4	engineering	engineering	NOUN
fbem-26954	38	5	is	be	AUX
fbem-26954	38	6	required	require	VERB
fbem-26954	38	7	to	to	PART
fbem-26954	38	8	extract	extract	VERB
fbem-26954	38	9	representative	representative	ADJ
fbem-26954	38	10	features	feature	NOUN
fbem-26954	38	11	such	such	ADJ
fbem-26954	38	12	as	as	ADP
fbem-26954	38	13	income	income	NOUN
fbem-26954	38	14	level	level	NOUN
fbem-26954	38	15	,	,	PUNCT
fbem-26954	38	16	debt	debt	NOUN
fbem-26954	38	17	situation	situation	NOUN
fbem-26954	38	18	,	,	PUNCT
fbem-26954	38	19	and	and	CCONJ
fbem-26954	38	20	historical	historical	ADJ
fbem-26954	38	21	repayment	repayment	NOUN
fbem-26954	38	22	records	record	NOUN
fbem-26954	38	23	for	for	ADP
fbem-26954	38	24	use	use	NOUN
fbem-26954	38	25	in	in	ADP
fbem-26954	38	26	machine	machine	NOUN
fbem-26954	38	27	learning	learning	NOUN
fbem-26954	38	28	models	model	NOUN
fbem-26954	38	29	.	.	PUNCT
fbem-26954	39	1	3.2	3.2	NUM
fbem-26954	39	2	.	.	PUNCT
fbem-26954	39	3	model	model	NOUN
fbem-26954	39	4	selection	selection	NOUN
fbem-26954	39	5	and	and	CCONJ
fbem-26954	39	6	training	training	NOUN
fbem-26954	39	7	during	during	ADP
fbem-26954	39	8	the	the	DET
fbem-26954	39	9	model	model	NOUN
fbem-26954	39	10	selection	selection	NOUN
fbem-26954	39	11	and	and	CCONJ
fbem-26954	39	12	training	training	NOUN
fbem-26954	39	13	phase	phase	NOUN
fbem-26954	39	14	,	,	PUNCT
fbem-26954	39	15	it	it	PRON
fbem-26954	39	16	is	be	AUX
fbem-26954	39	17	necessary	necessary	ADJ
fbem-26954	39	18	to	to	PART
fbem-26954	39	19	choose	choose	VERB
fbem-26954	39	20	suitable	suitable	ADJ
fbem-26954	39	21	machine	machine	NOUN
fbem-26954	39	22	learning	learn	VERB
fbem-26954	39	23	algorithms	algorithm	NOUN
fbem-26954	39	24	based	base	VERB
fbem-26954	39	25	on	on	ADP
fbem-26954	39	26	specific	specific	ADJ
fbem-26954	39	27	application	application	NOUN
fbem-26954	39	28	scenarios	scenario	NOUN
fbem-26954	39	29	and	and	CCONJ
fbem-26954	39	30	requirements	requirement	NOUN
fbem-26954	39	31	.	.	PUNCT
fbem-26954	40	1	for	for	ADP
fbem-26954	40	2	example	example	NOUN
fbem-26954	40	3	,	,	PUNCT
fbem-26954	40	4	if	if	SCONJ
fbem-26954	40	5	the	the	DET
fbem-26954	40	6	data	data	NOUN
fbem-26954	40	7	volume	volume	NOUN
fbem-26954	40	8	is	be	AUX
fbem-26954	40	9	large	large	ADJ
fbem-26954	40	10	and	and	CCONJ
fbem-26954	40	11	the	the	DET
fbem-26954	40	12	features	feature	NOUN
fbem-26954	40	13	are	be	AUX
fbem-26954	40	14	complex	complex	ADJ
fbem-26954	40	15	,	,	PUNCT
fbem-26954	40	16	complex	complex	ADJ
fbem-26954	40	17	models	model	NOUN
fbem-26954	40	18	such	such	ADJ
fbem-26954	40	19	as	as	ADP
fbem-26954	40	20	deep	deep	ADJ
fbem-26954	40	21	learning	learning	NOUN
fbem-26954	40	22	can	can	AUX
fbem-26954	40	23	be	be	AUX
fbem-26954	40	24	chosen	choose	VERB
fbem-26954	40	25	;	;	PUNCT
fbem-26954	40	26	if	if	SCONJ
fbem-26954	40	27	the	the	DET
fbem-26954	40	28	data	data	NOUN
fbem-26954	40	29	volume	volume	NOUN
fbem-26954	40	30	is	be	AUX
fbem-26954	40	31	small	small	ADJ
fbem-26954	40	32	and	and	CCONJ
fbem-26954	40	33	the	the	DET
fbem-26954	40	34	features	feature	NOUN
fbem-26954	40	35	are	be	AUX
fbem-26954	40	36	simple	simple	ADJ
fbem-26954	40	37	,	,	PUNCT
fbem-26954	40	38	simple	simple	ADJ
fbem-26954	40	39	models	model	NOUN
fbem-26954	40	40	such	such	ADJ
fbem-26954	40	41	as	as	ADP
fbem-26954	40	42	logistic	logistic	ADJ
fbem-26954	40	43	regression	regression	NOUN
fbem-26954	40	44	can	can	AUX
fbem-26954	40	45	be	be	AUX
fbem-26954	40	46	chosen	choose	VERB
fbem-26954	40	47	.	.	PUNCT
fbem-26954	41	1	after	after	ADP
fbem-26954	41	2	selecting	select	VERB
fbem-26954	41	3	the	the	DET
fbem-26954	41	4	model	model	NOUN
fbem-26954	41	5	,	,	PUNCT
fbem-26954	41	6	it	it	PRON
fbem-26954	41	7	is	be	AUX
fbem-26954	41	8	necessary	necessary	ADJ
fbem-26954	41	9	to	to	PART
fbem-26954	41	10	use	use	VERB
fbem-26954	41	11	the	the	DET
fbem-26954	41	12	training	training	NOUN
fbem-26954	41	13	set	set	VERB
fbem-26954	41	14	to	to	PART
fbem-26954	41	15	train	train	VERB
fbem-26954	41	16	and	and	CCONJ
fbem-26954	41	17	optimize	optimize	VERB
fbem-26954	41	18	the	the	DET
fbem-26954	41	19	model	model	NOUN
fbem-26954	41	20	.	.	PUNCT
fbem-26954	42	1	during	during	ADP
fbem-26954	42	2	the	the	DET
fbem-26954	42	3	training	training	NOUN
fbem-26954	42	4	process	process	NOUN
fbem-26954	42	5	,	,	PUNCT
fbem-26954	42	6	it	it	PRON
fbem-26954	42	7	is	be	AUX
fbem-26954	42	8	necessary	necessary	ADJ
fbem-26954	42	9	to	to	PART
fbem-26954	42	10	continuously	continuously	ADV
fbem-26954	42	11	adjust	adjust	VERB
fbem-26954	42	12	the	the	DET
fbem-26954	42	13	parameters	parameter	NOUN
fbem-26954	42	14	and	and	CCONJ
fbem-26954	42	15	structure	structure	NOUN
fbem-26954	42	16	of	of	ADP
fbem-26954	42	17	the	the	DET
fbem-26954	42	18	model	model	NOUN
fbem-26954	42	19	to	to	PART
fbem-26954	42	20	improve	improve	VERB
fbem-26954	42	21	its	its	PRON
fbem-26954	42	22	predictive	predictive	ADJ
fbem-26954	42	23	performance	performance	NOUN
fbem-26954	42	24	.	.	PUNCT
fbem-26954	43	1	3.3	3.3	NUM
fbem-26954	43	2	.	.	PUNCT
fbem-26954	43	3	model	model	NOUN
fbem-26954	43	4	evaluation	evaluation	NOUN
fbem-26954	43	5	and	and	CCONJ
fbem-26954	43	6	optimization	optimization	NOUN
fbem-26954	43	7	model	model	NOUN
fbem-26954	43	8	evaluation	evaluation	NOUN
fbem-26954	43	9	is	be	AUX
fbem-26954	43	10	a	a	DET
fbem-26954	43	11	crucial	crucial	ADJ
fbem-26954	43	12	step	step	NOUN
fbem-26954	43	13	in	in	ADP
fbem-26954	43	14	testing	test	VERB
fbem-26954	43	15	the	the	DET
fbem-26954	43	16	performance	performance	NOUN
fbem-26954	43	17	of	of	ADP
fbem-26954	43	18	a	a	DET
fbem-26954	43	19	model	model	NOUN
fbem-26954	43	20	.	.	PUNCT
fbem-26954	44	1	in	in	ADP
fbem-26954	44	2	credit	credit	NOUN
fbem-26954	44	3	scoring	scoring	NOUN
fbem-26954	44	4	models	model	NOUN
fbem-26954	44	5	,	,	PUNCT
fbem-26954	44	6	commonly	commonly	ADV
fbem-26954	44	7	used	use	VERB
fbem-26954	44	8	evaluation	evaluation	NOUN
fbem-26954	44	9	indicators	indicator	NOUN
fbem-26954	44	10	include	include	VERB
fbem-26954	44	11	accuracy	accuracy	NOUN
fbem-26954	44	12	,	,	PUNCT
fbem-26954	44	13	recall	recall	NOUN
fbem-26954	44	14	,	,	PUNCT
fbem-26954	44	15	f1	f1	NOUN
fbem-26954	44	16	score	score	NOUN
fbem-26954	44	17	,	,	PUNCT
fbem-26954	44	18	auc	auc	NOUN
fbem-26954	44	19	value	value	NOUN
fbem-26954	44	20	,	,	PUNCT
fbem-26954	44	21	etc	etc	X
fbem-26954	44	22	.	.	X
fbem-26954	45	1	these	these	DET
fbem-26954	45	2	indicators	indicator	NOUN
fbem-26954	45	3	can	can	AUX
fbem-26954	45	4	evaluate	evaluate	VERB
fbem-26954	45	5	the	the	DET
fbem-26954	45	6	performance	performance	NOUN
fbem-26954	45	7	of	of	ADP
fbem-26954	45	8	the	the	DET
fbem-26954	45	9	model	model	NOUN
fbem-26954	45	10	from	from	ADP
fbem-26954	45	11	different	different	ADJ
fbem-26954	45	12	perspectives	perspective	NOUN
fbem-26954	45	13	,	,	PUNCT
fbem-26954	45	14	helping	help	VERB
fbem-26954	45	15	us	we	PRON
fbem-26954	45	16	identify	identify	VERB
fbem-26954	45	17	problems	problem	NOUN
fbem-26954	45	18	and	and	CCONJ
fbem-26954	45	19	optimize	optimize	VERB
fbem-26954	45	20	the	the	DET
fbem-26954	45	21	model	model	NOUN
fbem-26954	45	22	.	.	PUNCT
fbem-26954	46	1	when	when	SCONJ
fbem-26954	46	2	optimizing	optimize	VERB
fbem-26954	46	3	the	the	DET
fbem-26954	46	4	model	model	NOUN
fbem-26954	46	5	,	,	PUNCT
fbem-26954	46	6	methods	method	NOUN
fbem-26954	46	7	such	such	ADJ
fbem-26954	46	8	as	as	ADP
fbem-26954	46	9	cross	cross	NOUN
fbem-26954	46	10	validation	validation	NOUN
fbem-26954	46	11	and	and	CCONJ
fbem-26954	46	12	grid	grid	NOUN
fbem-26954	46	13	search	search	NOUN
fbem-26954	46	14	can	can	AUX
fbem-26954	46	15	be	be	AUX
fbem-26954	46	16	used	use	VERB
fbem-26954	46	17	to	to	PART
fbem-26954	46	18	find	find	VERB
fbem-26954	46	19	the	the	DET
fbem-26954	46	20	optimal	optimal	ADJ
fbem-26954	46	21	model	model	NOUN
fbem-26954	46	22	parameters	parameter	NOUN
fbem-26954	46	23	and	and	CCONJ
fbem-26954	46	24	structure	structure	NOUN
fbem-26954	46	25	.	.	PUNCT
fbem-26954	47	1	3.4	3.4	NUM
fbem-26954	47	2	.	.	PUNCT
fbem-26954	47	3	ensemble	ensemble	ADJ
fbem-26954	47	4	learning	learning	NOUN
fbem-26954	47	5	and	and	CCONJ
fbem-26954	47	6	model	model	NOUN
fbem-26954	47	7	fusion	fusion	NOUN
fbem-26954	47	8	to	to	PART
fbem-26954	47	9	improve	improve	VERB
fbem-26954	47	10	the	the	DET
fbem-26954	47	11	accuracy	accuracy	NOUN
fbem-26954	47	12	and	and	CCONJ
fbem-26954	47	13	stability	stability	NOUN
fbem-26954	47	14	of	of	ADP
fbem-26954	47	15	credit	credit	NOUN
fbem-26954	47	16	scoring	scoring	NOUN
fbem-26954	47	17	models	model	NOUN
fbem-26954	47	18	,	,	PUNCT
fbem-26954	47	19	ensemble	ensemble	ADJ
fbem-26954	47	20	learning	learning	NOUN
fbem-26954	47	21	methods	method	NOUN
fbem-26954	47	22	can	can	AUX
fbem-26954	47	23	be	be	AUX
fbem-26954	47	24	used	use	VERB
fbem-26954	47	25	.	.	PUNCT
fbem-26954	48	1	ensemble	ensemble	ADJ
fbem-26954	48	2	learning	learning	NOUN
fbem-26954	48	3	can	can	AUX
fbem-26954	48	4	obtain	obtain	VERB
fbem-26954	48	5	more	more	ADV
fbem-26954	48	6	accurate	accurate	ADJ
fbem-26954	48	7	and	and	CCONJ
fbem-26954	48	8	reliable	reliable	ADJ
fbem-26954	48	9	prediction	prediction	NOUN
fbem-26954	48	10	results	result	NOUN
fbem-26954	48	11	by	by	ADP
fbem-26954	48	12	combining	combine	VERB
fbem-26954	48	13	the	the	DET
fbem-26954	48	14	prediction	prediction	NOUN
fbem-26954	48	15	results	result	NOUN
fbem-26954	48	16	of	of	ADP
fbem-26954	48	17	multiple	multiple	ADJ
fbem-26954	48	18	models	model	NOUN
fbem-26954	48	19	.	.	PUNCT
fbem-26954	49	1	for	for	ADP
fbem-26954	49	2	example	example	NOUN
fbem-26954	49	3	,	,	PUNCT
fbem-26954	49	4	different	different	ADJ
fbem-26954	49	5	models	model	NOUN
fbem-26954	49	6	such	such	ADJ
fbem-26954	49	7	as	as	ADP
fbem-26954	49	8	logistic	logistic	ADJ
fbem-26954	49	9	regression	regression	NOUN
fbem-26954	49	10	,	,	PUNCT
fbem-26954	49	11	decision	decision	NOUN
fbem-26954	49	12	trees	tree	NOUN
fbem-26954	49	13	,	,	PUNCT
fbem-26954	49	14	and	and	CCONJ
fbem-26954	49	15	random	random	ADJ
fbem-26954	49	16	forests	forest	NOUN
fbem-26954	49	17	can	can	AUX
fbem-26954	49	18	be	be	AUX
fbem-26954	49	19	used	use	VERB
fbem-26954	49	20	to	to	PART
fbem-26954	49	21	rate	rate	VERB
fbem-26954	49	22	the	the	DET
fbem-26954	49	23	credit	credit	NOUN
fbem-26954	49	24	of	of	ADP
fbem-26954	49	25	the	the	DET
fbem-26954	49	26	same	same	ADJ
fbem-26954	49	27	group	group	NOUN
fbem-26954	49	28	of	of	ADP
fbem-26954	49	29	users	user	NOUN
fbem-26954	49	30	,	,	PUNCT
fbem-26954	49	31	and	and	CCONJ
fbem-26954	49	32	then	then	ADV
fbem-26954	49	33	the	the	DET
fbem-26954	49	34	rating	rating	NOUN
fbem-26954	49	35	results	result	NOUN
fbem-26954	49	36	of	of	ADP
fbem-26954	49	37	multiple	multiple	ADJ
fbem-26954	49	38	models	model	NOUN
fbem-26954	49	39	can	can	AUX
fbem-26954	49	40	be	be	AUX
fbem-26954	49	41	combined	combine	VERB
fbem-26954	49	42	through	through	ADP
fbem-26954	49	43	methods	method	NOUN
fbem-26954	49	44	such	such	ADJ
fbem-26954	49	45	as	as	ADP
fbem-26954	49	46	weighted	weight	VERB
fbem-26954	49	47	average	average	ADJ
fbem-26954	49	48	.	.	PUNCT
fbem-26954	50	1	this	this	PRON
fbem-26954	50	2	can	can	AUX
fbem-26954	50	3	not	not	PART
fbem-26954	50	4	only	only	ADV
fbem-26954	50	5	improve	improve	VERB
fbem-26954	50	6	the	the	DET
fbem-26954	50	7	accuracy	accuracy	NOUN
fbem-26954	50	8	of	of	ADP
fbem-26954	50	9	the	the	DET
fbem-26954	50	10	model	model	NOUN
fbem-26954	50	11	,	,	PUNCT
fbem-26954	50	12	but	but	CCONJ
fbem-26954	50	13	also	also	ADV
fbem-26954	50	14	reduce	reduce	VERB
fbem-26954	50	15	the	the	DET
fbem-26954	50	16	risk	risk	NOUN
fbem-26954	50	17	of	of	ADP
fbem-26954	50	18	overfitting	overfitte	VERB
fbem-26954	50	19	.	.	PUNCT
fbem-26954	51	1	4	4	X
fbem-26954	51	2	.	.	X
fbem-26954	51	3	a	a	DET
fbem-26954	51	4	practical	practical	ADJ
fbem-26954	51	5	example	example	NOUN
fbem-26954	51	6	assuming	assume	VERB
fbem-26954	51	7	we	we	PRON
fbem-26954	51	8	have	have	VERB
fbem-26954	51	9	four	four	NUM
fbem-26954	51	10	credit	credit	NOUN
fbem-26954	51	11	scoring	scoring	NOUN
fbem-26954	51	12	models	model	NOUN
fbem-26954	51	13	based	base	VERB
fbem-26954	51	14	on	on	ADP
fbem-26954	51	15	different	different	ADJ
fbem-26954	51	16	algorithms	algorithm	NOUN
fbem-26954	51	17	:	:	PUNCT
fbem-26954	51	18	model	model	VERB
fbem-26954	51	19	a	a	DET
fbem-26954	51	20	(	(	PUNCT
fbem-26954	51	21	logistic	logistic	ADJ
fbem-26954	51	22	regression	regression	NOUN
fbem-26954	51	23	)	)	PUNCT
fbem-26954	51	24	,	,	PUNCT
fbem-26954	51	25	model	model	NOUN
fbem-26954	51	26	b	b	PROPN
fbem-26954	51	27	(	(	PUNCT
fbem-26954	51	28	decision	decision	NOUN
fbem-26954	51	29	tree	tree	NOUN
fbem-26954	51	30	)	)	PUNCT
fbem-26954	51	31	,	,	PUNCT
fbem-26954	51	32	model	model	NOUN
fbem-26954	51	33	c	c	PROPN
fbem-26954	51	34	(	(	PUNCT
fbem-26954	51	35	random	random	ADJ
fbem-26954	51	36	forest	forest	NOUN
fbem-26954	51	37	)	)	PUNCT
fbem-26954	51	38	,	,	PUNCT
fbem-26954	51	39	and	and	CCONJ
fbem-26954	51	40	model	model	NOUN
fbem-26954	51	41	d	d	X
fbem-26954	51	42	(	(	PUNCT
fbem-26954	51	43	gradient	gradient	ADJ
fbem-26954	51	44	boosting	boost	VERB
fbem-26954	51	45	tree	tree	NOUN
fbem-26954	51	46	)	)	PUNCT
fbem-26954	51	47	.	.	PUNCT
fbem-26954	52	1	we	we	PRON
fbem-26954	52	2	will	will	AUX
fbem-26954	52	3	use	use	VERB
fbem-26954	52	4	these	these	DET
fbem-26954	52	5	four	four	NUM
fbem-26954	52	6	models	model	NOUN
fbem-26954	52	7	to	to	PART
fbem-26954	52	8	score	score	VERB
fbem-26954	52	9	the	the	DET
fbem-26954	52	10	credit	credit	NOUN
fbem-26954	52	11	of	of	ADP
fbem-26954	52	12	the	the	DET
fbem-26954	52	13	same	same	ADJ
fbem-26954	52	14	group	group	NOUN
fbem-26954	52	15	of	of	ADP
fbem-26954	52	16	users	user	NOUN
fbem-26954	52	17	and	and	CCONJ
fbem-26954	52	18	obtain	obtain	VERB
fbem-26954	52	19	the	the	DET
fbem-26954	52	20	final	final	ADJ
fbem-26954	52	21	credit	credit	NOUN
fbem-26954	52	22	score	score	NOUN
fbem-26954	52	23	through	through	ADP
fbem-26954	52	24	ensemble	ensemble	ADJ
fbem-26954	52	25	learning	learning	NOUN
fbem-26954	52	26	.	.	PUNCT
fbem-26954	53	1	step	step	NOUN
fbem-26954	53	2	1	1	NUM
fbem-26954	53	3	:	:	PUNCT
fbem-26954	53	4	using	use	VERB
fbem-26954	53	5	four	four	NUM
fbem-26954	53	6	models	model	NOUN
fbem-26954	53	7	to	to	PART
fbem-26954	53	8	rate	rate	VERB
fbem-26954	53	9	users	user	NOUN
fbem-26954	53	10	separately	separately	ADV
fbem-26954	53	11	.	.	PUNCT
fbem-26954	54	1	assuming	assume	VERB
fbem-26954	54	2	that	that	SCONJ
fbem-26954	54	3	the	the	DET
fbem-26954	54	4	rating	rating	NOUN
fbem-26954	54	5	range	range	NOUN
fbem-26954	54	6	for	for	ADP
fbem-26954	54	7	each	each	DET
fbem-26954	54	8	model	model	NOUN
fbem-26954	54	9	is	be	AUX
fbem-26954	54	10	0	0	NUM
fbem-26954	54	11	-	-	SYM
fbem-26954	54	12	100	100	NUM
fbem-26954	54	13	points	point	NOUN
fbem-26954	54	14	,	,	PUNCT
fbem-26954	54	15	the	the	PRON
fbem-26954	54	16	higher	high	ADJ
fbem-26954	54	17	the	the	DET
fbem-26954	54	18	score	score	NOUN
fbem-26954	54	19	,	,	PUNCT
fbem-26954	54	20	the	the	PRON
fbem-26954	54	21	lower	low	ADJ
fbem-26954	54	22	the	the	DET
fbem-26954	54	23	credit	credit	NOUN
fbem-26954	54	24	risk	risk	NOUN
fbem-26954	54	25	.	.	PUNCT
fbem-26954	55	1	step	step	NOUN
fbem-26954	55	2	2	2	NUM
fbem-26954	55	3	:	:	PUNCT
fbem-26954	55	4	using	use	VERB
fbem-26954	55	5	a	a	DET
fbem-26954	55	6	strategy	strategy	NOUN
fbem-26954	55	7	to	to	PART
fbem-26954	55	8	combine	combine	VERB
fbem-26954	55	9	the	the	DET
fbem-26954	55	10	rating	rating	NOUN
fbem-26954	55	11	results	result	NOUN
fbem-26954	55	12	of	of	ADP
fbem-26954	55	13	these	these	DET
fbem-26954	55	14	four	four	NUM
fbem-26954	55	15	models	model	NOUN
fbem-26954	55	16	.	.	PUNCT
fbem-26954	56	1	we	we	PRON
fbem-26954	56	2	choose	choose	VERB
fbem-26954	56	3	to	to	PART
fbem-26954	56	4	use	use	VERB
fbem-26954	56	5	the	the	DET
fbem-26954	56	6	weighted	weight	VERB
fbem-26954	56	7	average	average	ADJ
fbem-26954	56	8	method	method	NOUN
fbem-26954	56	9	as	as	ADP
fbem-26954	56	10	the	the	DET
fbem-26954	56	11	integration	integration	NOUN
fbem-26954	56	12	strategy	strategy	NOUN
fbem-26954	56	13	here	here	ADV
fbem-26954	56	14	.	.	PUNCT
fbem-26954	57	1	assuming	assume	VERB
fbem-26954	57	2	our	our	PRON
fbem-26954	57	3	trust	trust	NOUN
fbem-26954	57	4	levels	level	NOUN
fbem-26954	57	5	for	for	ADP
fbem-26954	57	6	these	these	DET
fbem-26954	57	7	four	four	NUM
fbem-26954	57	8	models	model	NOUN
fbem-26954	57	9	are	be	AUX
fbem-26954	57	10	0.2	0.2	NUM
fbem-26954	57	11	,	,	PUNCT
fbem-26954	57	12	0.2	0.2	NUM
fbem-26954	57	13	,	,	PUNCT
fbem-26954	57	14	0.3	0.3	NUM
fbem-26954	57	15	,	,	PUNCT
fbem-26954	57	16	and	and	CCONJ
fbem-26954	57	17	0.3	0.3	NUM
fbem-26954	57	18	respectively	respectively	ADV
fbem-26954	57	19	(	(	PUNCT
fbem-26954	57	20	totaling	total	VERB
fbem-26954	57	21	1	1	NUM
fbem-26954	57	22	)	)	PUNCT
fbem-26954	57	23	,	,	PUNCT
fbem-26954	57	24	the	the	DET
fbem-26954	57	25	final	final	ADJ
fbem-26954	57	26	credit	credit	NOUN
fbem-26954	57	27	score	score	NOUN
fbem-26954	57	28	can	can	AUX
fbem-26954	57	29	be	be	AUX
fbem-26954	57	30	calculated	calculate	VERB
fbem-26954	57	31	using	use	VERB
fbem-26954	57	32	the	the	DET
fbem-26954	57	33	following	follow	VERB
fbem-26954	57	34	formula	formula	NOUN
fbem-26954	57	35	:	:	PUNCT
fbem-26954	57	36	final	final	ADJ
fbem-26954	57	37	rating	rating	NOUN
fbem-26954	57	38	=	=	NOUN
fbem-26954	57	39	0.2	0.2	NUM
fbem-26954	57	40	∗	∗	NOUN
fbem-26954	57	41	model	model	NOUN
fbem-26954	57	42	a	a	DET
fbem-26954	57	43	rating	rating	NOUN
fbem-26954	57	44	+	+	CCONJ
fbem-26954	57	45	0.2	0.2	NUM
fbem-26954	57	46	∗	∗	NOUN
fbem-26954	57	47	model	model	NOUN
fbem-26954	57	48	b	b	NOUN
fbem-26954	57	49	rating	rating	NOUN
fbem-26954	57	50	+	+	CCONJ
fbem-26954	57	51	0.3	0.3	NUM
fbem-26954	57	52	∗	∗	NOUN
fbem-26954	57	53	model	model	NOUN
fbem-26954	57	54	c	c	NOUN
fbem-26954	57	55	rating	rating	NOUN
fbem-26954	57	56	+	+	CCONJ
fbem-26954	57	57	0.3	0.3	NUM
fbem-26954	57	58	∗	∗	NOUN
fbem-26954	57	59	model	model	NOUN
fbem-26954	57	60	d	d	NOUN
fbem-26954	57	61	rating	rating	NOUN
fbem-26954	57	62	(	(	PUNCT
fbem-26954	57	63	1	1	NUM
fbem-26954	57	64	)	)	PUNCT
fbem-26954	57	65	step	step	NOUN
fbem-26954	57	66	3	3	NUM
fbem-26954	57	67	:	:	PUNCT
fbem-26954	57	68	using	use	VERB
fbem-26954	57	69	this	this	DET
fbem-26954	57	70	formula	formula	NOUN
fbem-26954	57	71	,	,	PUNCT
fbem-26954	57	72	we	we	PRON
fbem-26954	57	73	can	can	AUX
fbem-26954	57	74	obtain	obtain	VERB
fbem-26954	57	75	the	the	DET
fbem-26954	57	76	final	final	ADJ
fbem-26954	57	77	credit	credit	NOUN
fbem-26954	57	78	score	score	NOUN
fbem-26954	57	79	for	for	ADP
fbem-26954	57	80	each	each	DET
fbem-26954	57	81	user	user	NOUN
fbem-26954	57	82	.	.	PUNCT
fbem-26954	58	1	this	this	DET
fbem-26954	58	2	score	score	NOUN
fbem-26954	58	3	combines	combine	VERB
fbem-26954	58	4	the	the	DET
fbem-26954	58	5	prediction	prediction	NOUN
fbem-26954	58	6	results	result	NOUN
fbem-26954	58	7	of	of	ADP
fbem-26954	58	8	the	the	DET
fbem-26954	58	9	four	four	NUM
fbem-26954	58	10	models	model	NOUN
fbem-26954	58	11	,	,	PUNCT
fbem-26954	58	12	so	so	SCONJ
fbem-26954	58	13	it	it	PRON
fbem-26954	58	14	is	be	AUX
fbem-26954	58	15	more	more	ADV
fbem-26954	58	16	accurate	accurate	ADJ
fbem-26954	58	17	and	and	CCONJ
fbem-26954	58	18	reliable	reliable	ADJ
fbem-26954	58	19	than	than	ADP
fbem-26954	58	20	that	that	PRON
fbem-26954	58	21	of	of	ADP
fbem-26954	58	22	a	a	DET
fbem-26954	58	23	single	single	ADJ
fbem-26954	58	24	model	model	NOUN
fbem-26954	58	25	.	.	PUNCT
fbem-26954	59	1	step	step	NOUN
fbem-26954	59	2	4	4	NUM
fbem-26954	59	3	:	:	PUNCT
fbem-26954	59	4	use	use	VERB
fbem-26954	59	5	this	this	DET
fbem-26954	59	6	model	model	NOUN
fbem-26954	59	7	to	to	PART
fbem-26954	59	8	analyze	analyze	VERB
fbem-26954	59	9	more	more	ADJ
fbem-26954	59	10	data	datum	NOUN
fbem-26954	59	11	.	.	PUNCT
fbem-26954	60	1	during	during	ADP
fbem-26954	60	2	the	the	DET
fbem-26954	60	3	analysis	analysis	NOUN
fbem-26954	60	4	processing	processing	NOUN
fbem-26954	60	5	,	,	PUNCT
fbem-26954	60	6	the	the	DET
fbem-26954	60	7	trust	trust	NOUN
fbem-26954	60	8	level	level	NOUN
fbem-26954	60	9	of	of	ADP
fbem-26954	60	10	the	the	DET
fbem-26954	60	11	four	four	NUM
fbem-26954	60	12	models	model	NOUN
fbem-26954	60	13	can	can	AUX
fbem-26954	60	14	be	be	AUX
fbem-26954	60	15	slightly	slightly	ADV
fbem-26954	60	16	tuned	tune	VERB
fbem-26954	60	17	based	base	VERB
fbem-26954	60	18	on	on	ADP
fbem-26954	60	19	the	the	DET
fbem-26954	60	20	accuracy	accuracy	NOUN
fbem-26954	60	21	of	of	ADP
fbem-26954	60	22	the	the	DET
fbem-26954	60	23	results	result	NOUN
fbem-26954	60	24	,	,	PUNCT
fbem-26954	60	25	in	in	ADP
fbem-26954	60	26	order	order	NOUN
fbem-26954	60	27	to	to	PART
fbem-26954	60	28	improve	improve	VERB
fbem-26954	60	29	the	the	DET
fbem-26954	60	30	models	model	NOUN
fbem-26954	60	31	until	until	SCONJ
fbem-26954	60	32	the	the	DET
fbem-26954	60	33	analysis	analysis	NOUN
fbem-26954	60	34	error	error	NOUN
fbem-26954	60	35	stabilizes	stabilize	VERB
fbem-26954	60	36	within	within	ADP
fbem-26954	60	37	a	a	DET
fbem-26954	60	38	tolerable	tolerable	ADJ
fbem-26954	60	39	range	range	NOUN
fbem-26954	60	40	.	.	PUNCT
fbem-26954	61	1	this	this	DET
fbem-26954	61	2	case	case	NOUN
fbem-26954	61	3	has	have	VERB
fbem-26954	61	4	certain	certain	ADJ
fbem-26954	61	5	generality	generality	NOUN
fbem-26954	61	6	and	and	CCONJ
fbem-26954	61	7	can	can	AUX
fbem-26954	61	8	be	be	AUX
fbem-26954	61	9	smoothly	smoothly	ADV
fbem-26954	61	10	migrated	migrate	VERB
fbem-26954	61	11	to	to	ADP
fbem-26954	61	12	similar	similar	ADJ
fbem-26954	61	13	generation	generation	NOUN
fbem-26954	61	14	environments	environment	NOUN
fbem-26954	61	15	.	.	PUNCT
fbem-26954	62	1	it	it	PRON
fbem-26954	62	2	should	should	AUX
fbem-26954	62	3	be	be	AUX
fbem-26954	62	4	noted	note	VERB
fbem-26954	62	5	that	that	SCONJ
fbem-26954	62	6	in	in	ADP
fbem-26954	62	7	commercial	commercial	ADJ
fbem-26954	62	8	scenarios	scenario	NOUN
fbem-26954	62	9	,	,	PUNCT
fbem-26954	62	10	attention	attention	NOUN
fbem-26954	62	11	should	should	AUX
fbem-26954	62	12	be	be	AUX
fbem-26954	62	13	paid	pay	VERB
fbem-26954	62	14	to	to	ADP
fbem-26954	62	15	the	the	DET
fbem-26954	62	16	design	design	NOUN
fbem-26954	62	17	of	of	ADP
fbem-26954	62	18	algorithm	algorithm	NOUN
fbem-26954	62	19	complexity	complexity	NOUN
fbem-26954	62	20	and	and	CCONJ
fbem-26954	62	21	process	process	VERB
fbem-26954	62	22	feasibility	feasibility	NOUN
fbem-26954	62	23	.	.	PUNCT
fbem-26954	63	1	overly	overly	ADV
fbem-26954	63	2	complex	complex	ADJ
fbem-26954	63	3	algorithms	algorithm	NOUN
fbem-26954	63	4	and	and	CCONJ
fbem-26954	63	5	logical	logical	ADJ
fbem-26954	63	6	designs	design	NOUN
fbem-26954	63	7	can	can	AUX
fbem-26954	63	8	result	result	VERB
fbem-26954	63	9	in	in	ADP
fbem-26954	63	10	high	high	ADJ
fbem-26954	63	11	operational	operational	ADJ
fbem-26954	63	12	costs	cost	NOUN
fbem-26954	63	13	and	and	CCONJ
fbem-26954	63	14	lack	lack	VERB
fbem-26954	63	15	feasibility	feasibility	NOUN
fbem-26954	63	16	.	.	PUNCT
fbem-26954	64	1	5	5	X
fbem-26954	64	2	.	.	X
fbem-26954	64	3	conclusion	conclusion	NOUN
fbem-26954	64	4	in	in	ADP
fbem-26954	64	5	the	the	DET
fbem-26954	64	6	systems	system	NOUN
fbem-26954	64	7	of	of	ADP
fbem-26954	64	8	financial	financial	ADJ
fbem-26954	64	9	institutions	institution	NOUN
fbem-26954	64	10	and	and	CCONJ
fbem-26954	64	11	banks	bank	NOUN
fbem-26954	64	12	,	,	PUNCT
fbem-26954	64	13	the	the	DET
fbem-26954	64	14	algorithms	algorithm	NOUN
fbem-26954	64	15	commonly	commonly	ADV
fbem-26954	64	16	used	use	VERB
fbem-26954	64	17	for	for	ADP
fbem-26954	64	18	application	application	NOUN
fbem-26954	64	19	scoring	scoring	NOUN
fbem-26954	64	20	and	and	CCONJ
fbem-26954	64	21	behavior	behavior	NOUN
fbem-26954	64	22	scoring	scoring	NOUN
fbem-26954	64	23	are	be	AUX
fbem-26954	64	24	logistic	logistic	ADJ
fbem-26954	64	25	regression	regression	NOUN
fbem-26954	64	26	,	,	PUNCT
fbem-26954	64	27	followed	follow	VERB
fbem-26954	64	28	by	by	ADP
fbem-26954	64	29	hierarchical	hierarchical	ADJ
fbem-26954	64	30	clustering	clustering	NOUN
fbem-26954	64	31	and	and	CCONJ
fbem-26954	64	32	discriminant	discriminant	ADJ
fbem-26954	64	33	analysis	analysis	NOUN
fbem-26954	64	34	,	,	PUNCT
fbem-26954	64	35	decision	decision	NOUN
fbem-26954	64	36	trees	tree	NOUN
fbem-26954	64	37	,	,	PUNCT
fbem-26954	64	38	etc	etc	X
fbem-26954	64	39	.	.	X
fbem-26954	64	40	due	due	ADP
fbem-26954	64	41	to	to	ADP
fbem-26954	64	42	the	the	DET
fbem-26954	64	43	need	need	NOUN
fbem-26954	64	44	for	for	ADP
fbem-26954	64	45	good	good	ADJ
fbem-26954	64	46	interpretability	interpretability	NOUN
fbem-26954	64	47	in	in	ADP
fbem-26954	64	48	application	application	NOUN
fbem-26954	64	49	and	and	CCONJ
fbem-26954	64	50	credit	credit	NOUN
fbem-26954	64	51	scoring	scoring	NOUN
fbem-26954	64	52	,	,	PUNCT
fbem-26954	64	53	using	use	VERB
fbem-26954	64	54	neural	neural	ADJ
fbem-26954	64	55	network	network	NOUN
fbem-26954	64	56	models	model	NOUN
fbem-26954	64	57	can	can	AUX
fbem-26954	64	58	appear	appear	VERB
fbem-26954	64	59	slightly	slightly	ADV
fbem-26954	64	60	complex	complex	ADJ
fbem-26954	64	61	.	.	PUNCT
fbem-26954	65	1	in	in	ADP
fbem-26954	65	2	fact	fact	NOUN
fbem-26954	65	3	,	,	PUNCT
fbem-26954	65	4	there	there	PRON
fbem-26954	65	5	is	be	VERB
fbem-26954	65	6	almost	almost	ADV
fbem-26954	65	7	no	no	DET
fbem-26954	65	8	single	single	ADJ
fbem-26954	65	9	algorithm	algorithm	NOUN
fbem-26954	65	10	in	in	ADP
fbem-26954	65	11	current	current	ADJ
fbem-26954	65	12	credit	credit	NOUN
fbem-26954	65	13	evaluation	evaluation	NOUN
fbem-26954	65	14	,	,	PUNCT
fbem-26954	65	15	all	all	PRON
fbem-26954	65	16	of	of	ADP
fbem-26954	65	17	which	which	PRON
fbem-26954	65	18	are	be	AUX
fbem-26954	65	19	comprehensive	comprehensive	ADJ
fbem-26954	65	20	processing	processing	NOUN
fbem-26954	65	21	.	.	PUNCT
fbem-26954	66	1	in	in	ADP
fbem-26954	66	2	fact	fact	NOUN
fbem-26954	66	3	,	,	PUNCT
fbem-26954	66	4	data	datum	NOUN
fbem-26954	66	5	processing	processing	NOUN
fbem-26954	66	6	mainly	mainly	ADV
fbem-26954	66	7	includes	include	VERB
fbem-26954	66	8	:	:	PUNCT
fbem-26954	66	9	1	1	NUM
fbem-26954	66	10	)	)	PUNCT
fbem-26954	66	11	explore	explore	VERB
fbem-26954	66	12	data	datum	NOUN
fbem-26954	66	13	,	,	PUNCT
fbem-26954	66	14	analyze	analyze	VERB
fbem-26954	66	15	various	various	ADJ
fbem-26954	66	16	statistical	statistical	ADJ
fbem-26954	66	17	indicators	indicator	NOUN
fbem-26954	66	18	and	and	CCONJ
fbem-26954	66	19	individual	individual	ADJ
fbem-26954	66	20	variables	variable	NOUN
fbem-26954	66	21	,	,	PUNCT
fbem-26954	66	22	and	and	CCONJ
fbem-26954	66	23	preprocess	preprocess	NOUN
fbem-26954	66	24	and	and	CCONJ
fbem-26954	66	25	standardize	standardize	VERB
fbem-26954	66	26	data	datum	NOUN
fbem-26954	66	27	for	for	ADP
fbem-26954	66	28	individual	individual	ADJ
fbem-26954	66	29	variables	variable	NOUN
fbem-26954	66	30	.	.	PUNCT
fbem-26954	67	1	362	362	NUM
fbem-26954	67	2	2	2	NUM
fbem-26954	67	3	)	)	PUNCT
fbem-26954	67	4	analyze	analyze	VERB
fbem-26954	67	5	the	the	DET
fbem-26954	67	6	relationship	relationship	NOUN
fbem-26954	67	7	between	between	ADP
fbem-26954	67	8	variables	variable	NOUN
fbem-26954	67	9	in	in	ADP
fbem-26954	67	10	the	the	DET
fbem-26954	67	11	data	datum	NOUN
fbem-26954	67	12	.	.	PUNCT
fbem-26954	68	1	3	3	X
fbem-26954	68	2	)	)	PUNCT
fbem-26954	68	3	based	base	VERB
fbem-26954	68	4	on	on	ADP
fbem-26954	68	5	the	the	DET
fbem-26954	68	6	analysis	analysis	NOUN
fbem-26954	68	7	of	of	ADP
fbem-26954	68	8	variables	variable	NOUN
fbem-26954	68	9	and	and	CCONJ
fbem-26954	68	10	their	their	PRON
fbem-26954	68	11	relationships	relationship	NOUN
fbem-26954	68	12	,	,	PUNCT
fbem-26954	68	13	or	or	CCONJ
fbem-26954	68	14	the	the	DET
fbem-26954	68	15	analysis	analysis	NOUN
fbem-26954	68	16	of	of	ADP
fbem-26954	68	17	variables	variable	NOUN
fbem-26954	68	18	,	,	PUNCT
fbem-26954	68	19	draw	draw	VERB
fbem-26954	68	20	conclusions	conclusion	NOUN
fbem-26954	68	21	.	.	PUNCT
fbem-26954	69	1	4	4	X
fbem-26954	69	2	)	)	PUNCT
fbem-26954	69	3	validate	validate	VERB
fbem-26954	69	4	the	the	DET
fbem-26954	69	5	consistency	consistency	NOUN
fbem-26954	69	6	between	between	ADP
fbem-26954	69	7	the	the	DET
fbem-26954	69	8	model	model	NOUN
fbem-26954	69	9	and	and	CCONJ
fbem-26954	69	10	the	the	DET
fbem-26954	69	11	data	datum	NOUN
fbem-26954	69	12	using	use	VERB
fbem-26954	69	13	raw	raw	ADJ
fbem-26954	69	14	data	datum	NOUN
fbem-26954	69	15	,	,	PUNCT
fbem-26954	69	16	and	and	CCONJ
fbem-26954	69	17	validate	validate	VERB
fbem-26954	69	18	the	the	DET
fbem-26954	69	19	predictive	predictive	ADJ
fbem-26954	69	20	accuracy	accuracy	NOUN
fbem-26954	69	21	of	of	ADP
fbem-26954	69	22	the	the	DET
fbem-26954	69	23	model	model	NOUN
fbem-26954	69	24	using	use	VERB
fbem-26954	69	25	new	new	ADJ
fbem-26954	69	26	data	datum	NOUN
fbem-26954	69	27	.	.	PUNCT
fbem-26954	70	1	different	different	ADJ
fbem-26954	70	2	processing	processing	NOUN
fbem-26954	70	3	requires	require	VERB
fbem-26954	70	4	us	we	PRON
fbem-26954	70	5	to	to	PART
fbem-26954	70	6	use	use	VERB
fbem-26954	70	7	different	different	ADJ
fbem-26954	70	8	algorithms	algorithm	NOUN
fbem-26954	70	9	for	for	ADP
fbem-26954	70	10	analysis	analysis	NOUN
fbem-26954	70	11	.	.	PUNCT
fbem-26954	71	1	the	the	DET
fbem-26954	71	2	combination	combination	NOUN
fbem-26954	71	3	of	of	ADP
fbem-26954	71	4	credit	credit	NOUN
fbem-26954	71	5	scoring	scoring	NOUN
fbem-26954	71	6	models	model	NOUN
fbem-26954	71	7	and	and	CCONJ
fbem-26954	71	8	machine	machine	NOUN
fbem-26954	71	9	learning	learning	NOUN
fbem-26954	71	10	algorithms	algorithm	NOUN
fbem-26954	71	11	has	have	VERB
fbem-26954	71	12	a	a	DET
fbem-26954	71	13	broad	broad	ADJ
fbem-26954	71	14	application	application	NOUN
fbem-26954	71	15	prospect	prospect	NOUN
fbem-26954	71	16	.	.	PUNCT
fbem-26954	72	1	through	through	ADP
fbem-26954	72	2	algorithms	algorithm	NOUN
fbem-26954	72	3	such	such	ADJ
fbem-26954	72	4	as	as	ADP
fbem-26954	72	5	machine	machine	NOUN
fbem-26954	72	6	learning	learning	NOUN
fbem-26954	72	7	and	and	CCONJ
fbem-26954	72	8	deep	deep	ADJ
fbem-26954	72	9	learning	learning	NOUN
fbem-26954	72	10	,	,	PUNCT
fbem-26954	72	11	the	the	DET
fbem-26954	72	12	model	model	NOUN
fbem-26954	72	13	can	can	AUX
fbem-26954	72	14	also	also	ADV
fbem-26954	72	15	automatically	automatically	ADV
fbem-26954	72	16	update	update	VERB
fbem-26954	72	17	data	datum	NOUN
fbem-26954	72	18	,	,	PUNCT
fbem-26954	72	19	adjust	adjust	VERB
fbem-26954	72	20	scoring	scoring	NOUN
fbem-26954	72	21	rules	rule	NOUN
fbem-26954	72	22	,	,	PUNCT
fbem-26954	72	23	and	and	CCONJ
fbem-26954	72	24	monitor	monitor	VERB
fbem-26954	72	25	risk	risk	NOUN
fbem-26954	72	26	changes	change	NOUN
fbem-26954	72	27	in	in	ADP
fbem-26954	72	28	real	real	ADJ
fbem-26954	72	29	-	-	PUNCT
fbem-26954	72	30	time	time	NOUN
fbem-26954	72	31	.	.	PUNCT
fbem-26954	73	1	if	if	SCONJ
fbem-26954	73	2	we	we	PRON
fbem-26954	73	3	can	can	AUX
fbem-26954	73	4	fully	fully	ADV
fbem-26954	73	5	leverage	leverage	VERB
fbem-26954	73	6	the	the	DET
fbem-26954	73	7	advantages	advantage	NOUN
fbem-26954	73	8	of	of	ADP
fbem-26954	73	9	machine	machine	NOUN
fbem-26954	73	10	learning	learn	VERB
fbem-26954	73	11	algorithms	algorithm	NOUN
fbem-26954	73	12	in	in	ADP
fbem-26954	73	13	data	data	NOUN
fbem-26954	73	14	processing	processing	NOUN
fbem-26954	73	15	and	and	CCONJ
fbem-26954	73	16	pattern	pattern	NOUN
fbem-26954	73	17	recognition	recognition	NOUN
fbem-26954	73	18	,	,	PUNCT
fbem-26954	73	19	we	we	PRON
fbem-26954	73	20	can	can	AUX
fbem-26954	73	21	generate	generate	VERB
fbem-26954	73	22	more	more	ADV
fbem-26954	73	23	accurate	accurate	ADJ
fbem-26954	73	24	,	,	PUNCT
fbem-26954	73	25	efficient	efficient	ADJ
fbem-26954	73	26	,	,	PUNCT
fbem-26954	73	27	and	and	CCONJ
fbem-26954	73	28	intelligent	intelligent	ADJ
fbem-26954	73	29	credit	credit	NOUN
fbem-26954	73	30	evaluation	evaluation	NOUN
fbem-26954	73	31	models	model	NOUN
fbem-26954	73	32	to	to	PART
fbem-26954	73	33	cope	cope	VERB
fbem-26954	73	34	with	with	ADP
fbem-26954	73	35	increasingly	increasingly	ADV
fbem-26954	73	36	complex	complex	ADJ
fbem-26954	73	37	financial	financial	ADJ
fbem-26954	73	38	environments	environment	NOUN
fbem-26954	73	39	and	and	CCONJ
fbem-26954	73	40	market	market	NOUN
fbem-26954	73	41	requirements	requirement	NOUN
fbem-26954	73	42	.	.	PUNCT
fbem-26954	74	1	the	the	DET
fbem-26954	74	2	application	application	NOUN
fbem-26954	74	3	of	of	ADP
fbem-26954	74	4	artificial	artificial	ADJ
fbem-26954	74	5	intelligence	intelligence	NOUN
fbem-26954	74	6	technology	technology	NOUN
fbem-26954	74	7	in	in	ADP
fbem-26954	74	8	credit	credit	NOUN
fbem-26954	74	9	scoring	scoring	NOUN
fbem-26954	74	10	algorithms	algorithm	NOUN
fbem-26954	74	11	is	be	AUX
fbem-26954	74	12	also	also	ADV
fbem-26954	74	13	one	one	NUM
fbem-26954	74	14	of	of	ADP
fbem-26954	74	15	the	the	DET
fbem-26954	74	16	most	most	ADV
fbem-26954	74	17	highly	highly	ADV
fbem-26954	74	18	technical	technical	ADJ
fbem-26954	74	19	tasks	task	NOUN
fbem-26954	74	20	.	.	PUNCT
fbem-26954	75	1	it	it	PRON
fbem-26954	75	2	should	should	AUX
fbem-26954	75	3	be	be	AUX
fbem-26954	75	4	noted	note	VERB
fbem-26954	75	5	that	that	SCONJ
fbem-26954	75	6	establishing	establish	VERB
fbem-26954	75	7	a	a	DET
fbem-26954	75	8	credit	credit	NOUN
fbem-26954	75	9	evaluation	evaluation	NOUN
fbem-26954	75	10	model	model	NOUN
fbem-26954	75	11	requires	require	VERB
fbem-26954	75	12	a	a	DET
fbem-26954	75	13	profound	profound	ADJ
fbem-26954	75	14	understanding	understanding	NOUN
fbem-26954	75	15	of	of	ADP
fbem-26954	75	16	the	the	DET
fbem-26954	75	17	formation	formation	NOUN
fbem-26954	75	18	and	and	CCONJ
fbem-26954	75	19	operation	operation	NOUN
fbem-26954	75	20	mechanism	mechanism	NOUN
fbem-26954	75	21	,	,	PUNCT
fbem-26954	75	22	behavioral	behavioral	ADJ
fbem-26954	75	23	characteristics	characteristic	NOUN
fbem-26954	75	24	,	,	PUNCT
fbem-26954	75	25	and	and	CCONJ
fbem-26954	75	26	essential	essential	ADJ
fbem-26954	75	27	attributes	attribute	NOUN
fbem-26954	75	28	of	of	ADP
fbem-26954	75	29	credit	credit	NOUN
fbem-26954	75	30	.	.	PUNCT
fbem-26954	76	1	because	because	SCONJ
fbem-26954	76	2	of	of	ADP
fbem-26954	76	3	this	this	PRON
fbem-26954	76	4	,	,	PUNCT
fbem-26954	76	5	building	build	VERB
fbem-26954	76	6	a	a	DET
fbem-26954	76	7	commercially	commercially	ADV
fbem-26954	76	8	viable	viable	ADJ
fbem-26954	76	9	and	and	CCONJ
fbem-26954	76	10	highly	highly	ADV
fbem-26954	76	11	intelligent	intelligent	ADJ
fbem-26954	76	12	credit	credit	NOUN
fbem-26954	76	13	platform	platform	NOUN
fbem-26954	76	14	is	be	AUX
fbem-26954	76	15	often	often	ADV
fbem-26954	76	16	limited	limit	VERB
fbem-26954	76	17	by	by	ADP
fbem-26954	76	18	the	the	DET
fbem-26954	76	19	complexity	complexity	NOUN
fbem-26954	76	20	of	of	ADP
fbem-26954	76	21	the	the	DET
fbem-26954	76	22	architecture	architecture	NOUN
fbem-26954	76	23	and	and	CCONJ
fbem-26954	76	24	platform	platform	NOUN
fbem-26954	76	25	algorithms	algorithm	NOUN
fbem-26954	76	26	.	.	PUNCT
fbem-26954	77	1	with	with	ADP
fbem-26954	77	2	the	the	DET
fbem-26954	77	3	continuous	continuous	ADJ
fbem-26954	77	4	improvement	improvement	NOUN
fbem-26954	77	5	of	of	ADP
fbem-26954	77	6	human	human	ADJ
fbem-26954	77	7	technological	technological	ADJ
fbem-26954	77	8	capabilities	capability	NOUN
fbem-26954	77	9	,	,	PUNCT
fbem-26954	77	10	the	the	DET
fbem-26954	77	11	indepth	indepth	ADJ
fbem-26954	77	12	development	development	NOUN
fbem-26954	77	13	of	of	ADP
fbem-26954	77	14	artificial	artificial	ADJ
fbem-26954	77	15	intelligence	intelligence	NOUN
fbem-26954	77	16	and	and	CCONJ
fbem-26954	77	17	big	big	ADJ
fbem-26954	77	18	data	datum	NOUN
fbem-26954	77	19	technology	technology	NOUN
fbem-26954	77	20	will	will	AUX
fbem-26954	77	21	inevitably	inevitably	ADV
fbem-26954	77	22	bring	bring	VERB
fbem-26954	77	23	more	more	ADJ
fbem-26954	77	24	technological	technological	ADJ
fbem-26954	77	25	application	application	NOUN
fbem-26954	77	26	space	space	NOUN
fbem-26954	77	27	and	and	CCONJ
fbem-26954	77	28	regulatory	regulatory	ADJ
fbem-26954	77	29	issues	issue	NOUN
fbem-26954	77	30	.	.	PUNCT
fbem-26954	78	1	therefore	therefore	ADV
fbem-26954	78	2	,	,	PUNCT
fbem-26954	78	3	in	in	ADP
fbem-26954	78	4	-	-	PUNCT
fbem-26954	78	5	depth	depth	NOUN
fbem-26954	78	6	research	research	NOUN
fbem-26954	78	7	and	and	CCONJ
fbem-26954	78	8	design	design	NOUN
fbem-26954	78	9	of	of	ADP
fbem-26954	78	10	credit	credit	NOUN
fbem-26954	78	11	scoring	scoring	NOUN
fbem-26954	78	12	algorithms	algorithm	NOUN
fbem-26954	78	13	need	need	VERB
fbem-26954	78	14	to	to	PART
fbem-26954	78	15	consider	consider	VERB
fbem-26954	78	16	both	both	CCONJ
fbem-26954	78	17	technological	technological	ADJ
fbem-26954	78	18	and	and	CCONJ
fbem-26954	78	19	social	social	ADJ
fbem-26954	78	20	factors	factor	NOUN
fbem-26954	78	21	,	,	PUNCT
fbem-26954	78	22	and	and	CCONJ
fbem-26954	78	23	adjust	adjust	VERB
fbem-26954	78	24	them	they	PRON
fbem-26954	78	25	in	in	ADP
fbem-26954	78	26	a	a	DET
fbem-26954	78	27	timely	timely	ADJ
fbem-26954	78	28	manner	manner	NOUN
fbem-26954	78	29	with	with	ADP
fbem-26954	78	30	the	the	DET
fbem-26954	78	31	development	development	NOUN
fbem-26954	78	32	of	of	ADP
fbem-26954	78	33	digital	digital	ADJ
fbem-26954	78	34	economy	economy	NOUN
fbem-26954	78	35	production	production	NOUN
fbem-26954	78	36	methods	method	NOUN
fbem-26954	78	37	.	.	PUNCT
fbem-26954	79	1	references	reference	NOUN
fbem-26954	79	2	[	[	X
fbem-26954	79	3	1	1	NUM
fbem-26954	79	4	]	]	X
fbem-26954	79	5	khalil	khalil	PROPN
fbem-26954	79	6	,	,	PUNCT
fbem-26954	79	7	abedalrazq	abedalrazq	NOUN
fbem-26954	79	8	,	,	PUNCT
fbem-26954	79	9	et	et	PROPN
fbem-26954	79	10	al	al	PROPN
fbem-26954	79	11	.	.	PUNCT
fbem-26954	80	1	"	"	PUNCT
fbem-26954	80	2	applicability	applicability	NOUN
fbem-26954	80	3	of	of	ADP
fbem-26954	80	4	statistical	statistical	ADJ
fbem-26954	80	5	learning	learning	NOUN
fbem-26954	80	6	algorithms	algorithm	NOUN
fbem-26954	80	7	in	in	ADP
fbem-26954	80	8	groundwater	groundwater	NOUN
fbem-26954	80	9	quality	quality	NOUN
fbem-26954	80	10	modeling	modeling	NOUN
fbem-26954	80	11	.	.	PUNCT
fbem-26954	80	12	"	"	PUNCT
fbem-26954	81	1	water	water	NOUN
fbem-26954	81	2	resources	resource	NOUN
fbem-26954	81	3	research	research	NOUN
fbem-26954	81	4	41.5(2005	41.5(2005	NUM
fbem-26954	81	5	):	):	PUNCT
fbem-26954	81	6	p.w05010.1	p.w05010.1	PROPN
fbem-26954	81	7	-	-	PUNCT
fbem-26954	81	8	w05010.16	w05010.16	PROPN
fbem-26954	81	9	.	.	PUNCT
fbem-26954	82	1	[	[	X
fbem-26954	82	2	2	2	NUM
fbem-26954	82	3	]	]	PUNCT
fbem-26954	82	4	rodriguez	rodriguez	NOUN
fbem-26954	82	5	-	-	PUNCT
fbem-26954	82	6	galiano	galiano	PROPN
fbem-26954	82	7	,	,	PUNCT
fbem-26954	82	8	v.	v.	PROPN
fbem-26954	82	9	,	,	PUNCT
fbem-26954	82	10	et	et	PROPN
fbem-26954	82	11	al	al	PROPN
fbem-26954	82	12	.	.	PUNCT
fbem-26954	82	13	"	"	PUNCT
fbem-26954	82	14	machine	machine	NOUN
fbem-26954	82	15	learning	learn	VERB
fbem-26954	82	16	predictive	predictive	ADJ
fbem-26954	82	17	models	model	NOUN
fbem-26954	82	18	for	for	ADP
fbem-26954	82	19	mineral	mineral	NOUN
fbem-26954	82	20	prospectivity	prospectivity	NOUN
fbem-26954	82	21	:	:	PUNCT
fbem-26954	82	22	an	an	DET
fbem-26954	82	23	evaluation	evaluation	NOUN
fbem-26954	82	24	of	of	ADP
fbem-26954	82	25	neural	neural	ADJ
fbem-26954	82	26	networks	network	NOUN
fbem-26954	82	27	,	,	PUNCT
fbem-26954	82	28	random	random	ADJ
fbem-26954	82	29	forest	forest	NOUN
fbem-26954	82	30	,	,	PUNCT
fbem-26954	82	31	regression	regression	VERB
fbem-26954	82	32	trees	tree	NOUN
fbem-26954	82	33	and	and	CCONJ
fbem-26954	82	34	support	support	VERB
fbem-26954	82	35	vector	vector	NOUN
fbem-26954	82	36	machines	machine	NOUN
fbem-26954	82	37	.	.	PUNCT
fbem-26954	82	38	"	"	PUNCT
fbem-26954	83	1	ore	ore	NOUN
fbem-26954	83	2	geology	geology	NOUN
fbem-26954	83	3	reviews	review	NOUN
fbem-26954	83	4	(	(	PUNCT
fbem-26954	83	5	2015	2015	NUM
fbem-26954	83	6	)	)	PUNCT
fbem-26954	83	7	.	.	PUNCT
fbem-26954	84	1	[	[	X
fbem-26954	84	2	3	3	NUM
fbem-26954	84	3	]	]	PUNCT
fbem-26954	84	4	hirasawa	hirasawa	PROPN
fbem-26954	84	5	,	,	PUNCT
fbem-26954	84	6	h.	h.	PROPN
fbem-26954	84	7	,	,	PUNCT
fbem-26954	84	8	et	et	PROPN
fbem-26954	84	9	al	al	PROPN
fbem-26954	84	10	.	.	PUNCT
fbem-26954	85	1	"	"	PUNCT
fbem-26954	85	2	evaluation	evaluation	NOUN
fbem-26954	85	3	of	of	ADP
fbem-26954	85	4	various	various	ADJ
fbem-26954	85	5	machine	machine	NOUN
fbem-26954	85	6	learning	learn	VERB
fbem-26954	85	7	methods	method	NOUN
fbem-26954	85	8	to	to	PART
fbem-26954	85	9	predict	predict	VERB
fbem-26954	85	10	vision	vision	NOUN
fbem-26954	85	11	-	-	PUNCT
fbem-26954	85	12	related	relate	VERB
fbem-26954	85	13	quality	quality	NOUN
fbem-26954	85	14	of	of	ADP
fbem-26954	85	15	life	life	NOUN
fbem-26954	85	16	from	from	ADP
fbem-26954	85	17	visual	visual	ADJ
fbem-26954	85	18	field	field	NOUN
fbem-26954	85	19	data	datum	NOUN
fbem-26954	85	20	and	and	CCONJ
fbem-26954	85	21	visual	visual	ADJ
fbem-26954	85	22	acuity	acuity	NOUN
fbem-26954	85	23	in	in	ADP
fbem-26954	85	24	patients	patient	NOUN
fbem-26954	85	25	with	with	ADP
fbem-26954	85	26	glaucoma	glaucoma	NOUN
fbem-26954	85	27	.	.	PUNCT
fbem-26954	85	28	"	"	PUNCT
fbem-26954	86	1	british	british	ADJ
fbem-26954	86	2	journal	journal	PROPN
fbem-26954	86	3	of	of	ADP
fbem-26954	86	4	ophthalmology	ophthalmology	NOUN
fbem-26954	86	5	98.9(2014):1230	98.9(2014):1230	NUM
fbem-26954	86	6	.	.	PUNCT
fbem-26954	87	1	[	[	X
fbem-26954	87	2	4	4	NUM
fbem-26954	87	3	]	]	X
fbem-26954	87	4	hutter	hutter	NOUN
fbem-26954	87	5	,	,	PUNCT
fbem-26954	87	6	frank	frank	PROPN
fbem-26954	87	7	,	,	PUNCT
fbem-26954	87	8	et	et	PROPN
fbem-26954	87	9	al	al	PROPN
fbem-26954	87	10	.	.	PUNCT
fbem-26954	88	1	"	"	PUNCT
fbem-26954	88	2	algorithm	algorithm	NOUN
fbem-26954	88	3	runtime	runtime	NOUN
fbem-26954	88	4	prediction	prediction	NOUN
fbem-26954	88	5	:	:	PUNCT
fbem-26954	88	6	methods	method	NOUN
fbem-26954	88	7	&	&	CCONJ
fbem-26954	88	8	evaluation	evaluation	NOUN
fbem-26954	88	9	.	.	PUNCT
fbem-26954	88	10	"	"	PUNCT
fbem-26954	89	1	artificial	artificial	ADJ
fbem-26954	89	2	intelligence	intelligence	NOUN
fbem-26954	89	3	206	206	NUM
fbem-26954	89	4	.	.	PUNCT
fbem-26954	90	1	jan	jan	PROPN
fbem-26954	90	2	.	.	PROPN
fbem-26954	91	1	(	(	PUNCT
fbem-26954	91	2	2014	2014	NUM
fbem-26954	91	3	):	):	PUNCT
fbem-26954	91	4	79111	79111	NUM
fbem-26954	91	5	.	.	PUNCT
fbem-26954	92	1	[	[	X
fbem-26954	92	2	5	5	NUM
fbem-26954	92	3	]	]	X
fbem-26954	92	4	carter	carter	NOUN
fbem-26954	92	5	,	,	PUNCT
fbem-26954	92	6	et	et	PROPN
fbem-26954	92	7	al	al	PROPN
fbem-26954	92	8	.	.	PUNCT
fbem-26954	93	1	"	"	PUNCT
fbem-26954	93	2	assessing	assess	VERB
fbem-26954	93	3	credit	credit	NOUN
fbem-26954	93	4	card	card	NOUN
fbem-26954	93	5	applications	application	NOUN
fbem-26954	93	6	using	use	VERB
fbem-26954	93	7	machine	machine	NOUN
fbem-26954	93	8	learning	learning	NOUN
fbem-26954	93	9	.	.	PUNCT
fbem-26954	93	10	"	"	PUNCT
fbem-26954	93	11	ieee	ieee	NOUN
fbem-26954	93	12	expert	expert	NOUN
fbem-26954	93	13	(	(	PUNCT
fbem-26954	93	14	1987	1987	NUM
fbem-26954	93	15	)	)	PUNCT
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fbem-26954	94	2	6	6	NUM
fbem-26954	94	3	]	]	X
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fbem-26954	94	5	,	,	PUNCT
fbem-26954	94	6	mehmet	mehmet	PROPN
fbem-26954	94	7	,	,	PUNCT
fbem-26954	94	8	t.	t.	PROPN
fbem-26954	94	9	kaya	kaya	PROPN
fbem-26954	94	10	,	,	PUNCT
fbem-26954	94	11	and	and	CCONJ
fbem-26954	94	12	k.	k.	PROPN
fbem-26954	94	13	tokmakcioglu	tokmakcioglu	PROPN
fbem-26954	94	14	.	.	PUNCT
fbem-26954	95	1	"	"	PUNCT
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fbem-26954	95	3	sovereign	sovereign	ADJ
fbem-26954	95	4	credit	credit	NOUN
fbem-26954	95	5	ratings	rating	NOUN
fbem-26954	95	6	using	use	VERB
fbem-26954	95	7	machine	machine	NOUN
fbem-26954	95	8	learning	learning	NOUN
fbem-26954	95	9	algorithms	algorithm	NOUN
fbem-26954	95	10	.	.	PUNCT
fbem-26954	95	11	"	"	PUNCT
fbem-26954	95	12	springer	springer	NOUN
fbem-26954	95	13	,	,	PUNCT
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fbem-26954	95	16	2023	2023	NUM
fbem-26954	95	17	)	)	PUNCT
fbem-26954	95	18	.	.	PUNCT
fbem-26954	96	1	[	[	X
fbem-26954	96	2	7	7	NUM
fbem-26954	96	3	]	]	PUNCT
fbem-26954	96	4	overes	overe	NOUN
fbem-26954	96	5	,	,	PUNCT
fbem-26954	96	6	bart	bart	PROPN
fbem-26954	96	7	h.	h.	PROPN
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fbem-26954	96	9	,	,	PUNCT
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fbem-26954	96	12	v.	v.	PROPN
fbem-26954	96	13	d.	d.	PROPN
fbem-26954	96	14	wel	wel	PROPN
fbem-26954	96	15	.	.	PUNCT
fbem-26954	97	1	"	"	PUNCT
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fbem-26954	97	3	sovereign	sovereign	ADJ
fbem-26954	97	4	credit	credit	NOUN
fbem-26954	97	5	ratings	rating	NOUN
fbem-26954	97	6	:	:	PUNCT
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fbem-26954	97	9	accuracy	accuracy	NOUN
fbem-26954	97	10	and	and	CCONJ
fbem-26954	97	11	driving	drive	VERB
fbem-26954	97	12	factors	factor	NOUN
fbem-26954	97	13	using	use	VERB
fbem-26954	97	14	machine	machine	NOUN
fbem-26954	97	15	learning	learn	VERB
fbem-26954	97	16	techniques	technique	NOUN
fbem-26954	97	17	.	.	PUNCT
fbem-26954	97	18	"	"	PUNCT
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fbem-26954	97	20	(	(	PUNCT
fbem-26954	97	21	2021	2021	NUM
fbem-26954	97	22	)	)	PUNCT
fbem-26954	97	23	.	.	PUNCT
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fbem-26954	98	2	8	8	NUM
fbem-26954	98	3	]	]	PUNCT
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fbem-26954	98	5	,	,	PUNCT
fbem-26954	98	6	jon	jon	PROPN
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fbem-26954	98	8	and	and	CCONJ
fbem-26954	98	9	e.	e.	PROPN
fbem-26954	98	10	a.	a.	PROPN
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fbem-26954	99	1	"	"	PUNCT
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fbem-26954	99	4	bank	bank	NOUN
fbem-26954	99	5	capital	capital	NOUN
fbem-26954	99	6	-	-	PUNCT
fbem-26954	99	7	at	at	ADP
fbem-26954	99	8	-	-	PUNCT
fbem-26954	99	9	risk	risk	NOUN
fbem-26954	99	10	):	):	PUNCT
fbem-26954	99	11	a	a	DET
fbem-26954	99	12	credit	credit	NOUN
fbem-26954	99	13	risk	risk	NOUN
fbem-26954	99	14	model	model	NOUN
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fbem-26954	99	16	us	us	PROPN
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fbem-26954	99	18	bank	bank	NOUN
fbem-26954	99	19	charge	charge	NOUN
fbem-26954	99	20	-	-	PUNCT
fbem-26954	99	21	offs	off	NOUN
fbem-26954	99	22	.	.	PUNCT
fbem-26954	99	23	"	"	PUNCT
fbem-26954	100	1	social	social	ADJ
fbem-26954	100	2	science	science	NOUN
fbem-26954	100	3	electronic	electronic	ADJ
fbem-26954	100	4	publishing	publishing	NOUN
fbem-26954	100	5	wp-08	wp-08	NOUN
fbem-26954	100	6	-	-	PUNCT
fbem-26954	100	7	03(2008	03(2008	NOUN
fbem-26954	100	8	)	)	PUNCT
fbem-26954	100	9	.	.	PUNCT
fbem-26954	101	1	[	[	X
fbem-26954	101	2	9	9	NUM
fbem-26954	101	3	]	]	SYM
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fbem-26954	101	5	,	,	PUNCT
fbem-26954	101	6	jiawei	jiawei	NOUN
fbem-26954	101	7	.	.	PUNCT
fbem-26954	102	1	"	"	PUNCT
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fbem-26954	102	4	and	and	CCONJ
fbem-26954	102	5	related	related	ADJ
fbem-26954	102	6	model	model	NOUN
fbem-26954	102	7	algorithms	algorithm	NOUN
fbem-26954	102	8	in	in	ADP
fbem-26954	102	9	commercial	commercial	ADJ
fbem-26954	102	10	bank	bank	NOUN
fbem-26954	102	11	credit	credit	NOUN
fbem-26954	102	12	evaluation	evaluation	NOUN
fbem-26954	102	13	.	.	PUNCT
fbem-26954	102	14	"	"	PUNCT
fbem-26954	103	1	bcp	bcp	PROPN
fbem-26954	103	2	business	business	PROPN
fbem-26954	103	3	&	&	CCONJ
fbem-26954	103	4	management	management	PROPN
fbem-26954	103	5	(	(	PUNCT
fbem-26954	103	6	2023	2023	NUM
fbem-26954	103	7	)	)	PUNCT
fbem-26954	103	8	.	.	PUNCT
fbem-26954	104	1	[	[	X
fbem-26954	104	2	10	10	NUM
fbem-26954	104	3	]	]	X
fbem-26954	104	4	yao	yao	NOUN
fbem-26954	104	5	yi	yi	PROPN
fbem-26954	104	6	and	and	CCONJ
fbem-26954	104	7	ye	ye	NOUN
fbem-26954	104	8	zhongxing	zhongxe	VERB
fbem-26954	104	9	research	research	NOUN
fbem-26954	104	10	on	on	ADP
fbem-26954	104	11	bank	bank	NOUN
fbem-26954	104	12	customer	customer	NOUN
fbem-26954	104	13	credit	credit	NOUN
fbem-26954	104	14	evaluation	evaluation	NOUN
fbem-26954	104	15	system	system	NOUN
fbem-26954	104	16	based	base	VERB
fbem-26954	104	17	on	on	ADP
fbem-26954	104	18	support	support	NOUN
fbem-26954	104	19	vector	vector	NOUN
fbem-26954	104	20	machine	machine	NOUN
fbem-26954	104	21	.	.	PUNCT
fbem-26954	105	1	journal	journal	PROPN
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fbem-26954	105	3	system	system	NOUN
fbem-26954	105	4	simulation	simulation	NOUN
fbem-26954	105	5	16.4	16.4	NUM
fbem-26954	105	6	(	(	PUNCT
fbem-26954	105	7	2004	2004	NUM
fbem-26954	105	8	):	):	PUNCT
fbem-26954	105	9	4	4	NUM
fbem-26954	105	10	.	.	PUNCT
fbem-26954	106	1	[	[	X
fbem-26954	106	2	11	11	NUM
fbem-26954	106	3	]	]	X
fbem-26954	106	4	ji	ji	PROPN
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fbem-26954	106	6	and	and	CCONJ
fbem-26954	106	7	weng	weng	PROPN
fbem-26954	106	8	yuling	yule	VERB
fbem-26954	106	9	research	research	NOUN
fbem-26954	106	10	on	on	ADP
fbem-26954	106	11	frequency	frequency	NOUN
fbem-26954	106	12	conversion	conversion	NOUN
fbem-26954	106	13	interest	interest	NOUN
fbem-26954	106	14	change	change	NOUN
fbem-26954	106	15	recommendation	recommendation	NOUN
fbem-26954	106	16	algorithm	algorithm	NOUN
fbem-26954	106	17	in	in	ADP
fbem-26954	106	18	the	the	DET
fbem-26954	106	19	background	background	NOUN
fbem-26954	106	20	of	of	ADP
fbem-26954	106	21	big	big	ADJ
fbem-26954	106	22	data	datum	NOUN
fbem-26954	106	23	.	.	PUNCT
fbem-26954	107	1	"	"	PUNCT
fbem-26954	107	2	science	science	NOUN
fbem-26954	107	3	and	and	CCONJ
fbem-26954	107	4	technology	technology	NOUN
fbem-26954	107	5	innovation	innovation	NOUN
fbem-26954	107	6	and	and	CCONJ
fbem-26954	107	7	application	application	NOUN
fbem-26954	107	8	20	20	NUM
fbem-26954	107	9	(	(	PUNCT
fbem-26954	107	10	2020	2020	NUM
fbem-26954	107	11	):	):	PUNCT
fbem-26954	107	12	3	3	X
fbem-26954	107	13	.	.	PUNCT
fbem-26954	108	1	[	[	X
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fbem-26954	108	3	]	]	X
fbem-26954	108	4	zhang	zhang	PROPN
fbem-26954	108	5	mu	mu	PROPN
fbem-26954	108	6	and	and	CCONJ
fbem-26954	108	7	zhou	zhou	PROPN
fbem-26954	108	8	zongfang	zongfang	PROPN
fbem-26954	108	9	enterprise	enterprise	NOUN
fbem-26954	108	10	credit	credit	NOUN
fbem-26954	108	11	evaluation	evaluation	NOUN
fbem-26954	108	12	model	model	NOUN
fbem-26954	108	13	based	base	VERB
fbem-26954	108	14	on	on	ADP
fbem-26954	108	15	multi	multi	ADJ
fbem-26954	108	16	-	-	ADJ
fbem-26954	108	17	objective	objective	ADJ
fbem-26954	108	18	programming	programming	NOUN
fbem-26954	108	19	and	and	CCONJ
fbem-26954	108	20	support	support	NOUN
fbem-26954	108	21	vector	vector	NOUN
fbem-26954	108	22	machine	machine	NOUN
fbem-26954	108	23	.	.	PUNCT
fbem-26954	109	1	"	"	PUNCT
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fbem-26954	109	10	3rd	3rd	ADJ
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fbem-26954	109	12	province	province	PROPN
fbem-26954	109	13	natural	natural	ADJ
fbem-26954	109	14	science	science	PROPN
fbem-26954	109	15	excellent	excellent	ADJ
fbem-26954	109	16	academic	academic	ADJ
fbem-26954	109	17	paper	paper	NOUN
fbem-26954	109	18	selection	selection	NOUN
fbem-26954	109	19	(	(	PUNCT
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fbem-26954	109	21	)	)	PUNCT
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fbem-26954	110	7	study	study	NOUN
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fbem-26954	110	18	technology	technology	PROPN
fbem-26954	110	19	,	,	PUNCT
fbem-26954	110	20	2006	2006	NUM
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