id	sid	tid	token	lemma	pos
fbem-27700	1	1	frontiers	frontier	NOUN
fbem-27700	1	2	in	in	ADP
fbem-27700	1	3	business	business	NOUN
fbem-27700	1	4	,	,	PUNCT
fbem-27700	1	5	economics	economic	NOUN
fbem-27700	1	6	and	and	CCONJ
fbem-27700	1	7	management	management	NOUN
fbem-27700	1	8	issn	issn	PROPN
fbem-27700	1	9	:	:	PUNCT
fbem-27700	1	10	2766	2766	NUM
fbem-27700	1	11	-	-	PUNCT
fbem-27700	1	12	824x	824x	NUM
fbem-27700	1	13	|	|	ADJ
fbem-27700	1	14	vol	vol	NOUN
fbem-27700	1	15	.	.	PROPN
fbem-27700	1	16	17	17	NUM
fbem-27700	1	17	,	,	PUNCT
fbem-27700	1	18	no	no	INTJ
fbem-27700	1	19	.	.	NOUN
fbem-27700	1	20	2	2	NUM
fbem-27700	1	21	,	,	PUNCT
fbem-27700	1	22	2024	2024	NUM
fbem-27700	1	23	343	343	NUM
fbem-27700	1	24	the	the	DET
fbem-27700	1	25	impact	impact	NOUN
fbem-27700	1	26	mechanism	mechanism	NOUN
fbem-27700	1	27	of	of	ADP
fbem-27700	1	28	free	free	ADJ
fbem-27700	1	29	competition	competition	NOUN
fbem-27700	1	30	among	among	ADP
fbem-27700	1	31	financial	financial	ADJ
fbem-27700	1	32	institutions	institution	NOUN
fbem-27700	1	33	on	on	ADP
fbem-27700	1	34	the	the	DET
fbem-27700	1	35	credit	credit	NOUN
fbem-27700	1	36	accessibility	accessibility	NOUN
fbem-27700	1	37	of	of	ADP
fbem-27700	1	38	farmers	farmer	NOUN
fbem-27700	1	39	-a	-a	PUNCT
fbem-27700	1	40	study	study	NOUN
fbem-27700	1	41	of	of	ADP
fbem-27700	1	42	zhejiang	zhejiang	PROPN
fbem-27700	1	43	experience	experience	PROPN
fbem-27700	1	44	lianxing	lianxe	VERB
fbem-27700	1	45	ji	ji	PROPN
fbem-27700	1	46	*	*	PROPN
fbem-27700	1	47	,	,	PUNCT
fbem-27700	1	48	ping	ping	PROPN
fbem-27700	1	49	zhang	zhang	PROPN
fbem-27700	1	50	zhejiang	zhejiang	PROPN
fbem-27700	1	51	university	university	PROPN
fbem-27700	1	52	of	of	ADP
fbem-27700	1	53	science	science	NOUN
fbem-27700	1	54	of	of	ADP
fbem-27700	1	55	technology	technology	NOUN
fbem-27700	1	56	,	,	PUNCT
fbem-27700	1	57	china	china	PROPN
fbem-27700	1	58	*	*	PUNCT
fbem-27700	1	59	corresponding	correspond	VERB
fbem-27700	1	60	author	author	NOUN
fbem-27700	1	61	:	:	PUNCT
fbem-27700	1	62	lianxing	lianxe	VERB
fbem-27700	1	63	ji	ji	PROPN
fbem-27700	1	64	(	(	PUNCT
fbem-27700	1	65	email	email	NOUN
fbem-27700	1	66	:	:	PUNCT
fbem-27700	1	67	15117514464@163.com	15117514464@163.com	X
fbem-27700	1	68	)	)	PUNCT
fbem-27700	1	69	abstract	abstract	NOUN
fbem-27700	1	70	:	:	PUNCT
fbem-27700	1	71	using	use	VERB
fbem-27700	1	72	data	datum	NOUN
fbem-27700	1	73	from	from	ADP
fbem-27700	1	74	rural	rural	ADJ
fbem-27700	1	75	fixed	fix	VERB
fbem-27700	1	76	observation	observation	NOUN
fbem-27700	1	77	points	point	NOUN
fbem-27700	1	78	in	in	ADP
fbem-27700	1	79	zhejiang	zhejiang	PROPN
fbem-27700	1	80	province	province	PROPN
fbem-27700	1	81	from	from	ADP
fbem-27700	1	82	2003	2003	NUM
fbem-27700	1	83	to	to	ADP
fbem-27700	1	84	2022	2022	NUM
fbem-27700	1	85	,	,	PUNCT
fbem-27700	1	86	this	this	DET
fbem-27700	1	87	study	study	NOUN
fbem-27700	1	88	employs	employ	VERB
fbem-27700	1	89	a	a	DET
fbem-27700	1	90	difference	difference	NOUN
fbem-27700	1	91	-	-	PUNCT
fbem-27700	1	92	in	in	ADP
fbem-27700	1	93	-	-	PUNCT
fbem-27700	1	94	differences	difference	NOUN
fbem-27700	1	95	(	(	PUNCT
fbem-27700	1	96	did	do	AUX
fbem-27700	1	97	)	)	PUNCT
fbem-27700	1	98	model	model	NOUN
fbem-27700	1	99	to	to	PART
fbem-27700	1	100	explore	explore	VERB
fbem-27700	1	101	the	the	DET
fbem-27700	1	102	impact	impact	NOUN
fbem-27700	1	103	of	of	ADP
fbem-27700	1	104	free	free	ADJ
fbem-27700	1	105	competition	competition	NOUN
fbem-27700	1	106	among	among	ADP
fbem-27700	1	107	financial	financial	ADJ
fbem-27700	1	108	institutions	institution	NOUN
fbem-27700	1	109	on	on	ADP
fbem-27700	1	110	the	the	DET
fbem-27700	1	111	credit	credit	NOUN
fbem-27700	1	112	accessibility	accessibility	NOUN
fbem-27700	1	113	of	of	ADP
fbem-27700	1	114	farmers	farmer	NOUN
fbem-27700	1	115	and	and	CCONJ
fbem-27700	1	116	its	its	PRON
fbem-27700	1	117	underlying	underlying	ADJ
fbem-27700	1	118	mechanisms	mechanism	NOUN
fbem-27700	1	119	.	.	PUNCT
fbem-27700	2	1	the	the	DET
fbem-27700	2	2	results	result	NOUN
fbem-27700	2	3	show	show	VERB
fbem-27700	2	4	that	that	SCONJ
fbem-27700	2	5	free	free	ADJ
fbem-27700	2	6	competition	competition	NOUN
fbem-27700	2	7	among	among	ADP
fbem-27700	2	8	financial	financial	ADJ
fbem-27700	2	9	institutions	institution	NOUN
fbem-27700	2	10	significantly	significantly	ADV
fbem-27700	2	11	improves	improve	VERB
fbem-27700	2	12	farmers	farmer	NOUN
fbem-27700	2	13	'	'	PART
fbem-27700	2	14	credit	credit	NOUN
fbem-27700	2	15	accessibility	accessibility	NOUN
fbem-27700	2	16	.	.	PUNCT
fbem-27700	3	1	the	the	DET
fbem-27700	3	2	mechanism	mechanism	NOUN
fbem-27700	3	3	analysis	analysis	NOUN
fbem-27700	3	4	indicates	indicate	VERB
fbem-27700	3	5	that	that	SCONJ
fbem-27700	3	6	such	such	ADJ
fbem-27700	3	7	competition	competition	NOUN
fbem-27700	3	8	leads	lead	VERB
fbem-27700	3	9	to	to	ADP
fbem-27700	3	10	an	an	DET
fbem-27700	3	11	increase	increase	NOUN
fbem-27700	3	12	in	in	ADP
fbem-27700	3	13	the	the	DET
fbem-27700	3	14	number	number	NOUN
fbem-27700	3	15	of	of	ADP
fbem-27700	3	16	loan	loan	NOUN
fbem-27700	3	17	officers	officer	NOUN
fbem-27700	3	18	,	,	PUNCT
fbem-27700	3	19	promotes	promote	VERB
fbem-27700	3	20	the	the	DET
fbem-27700	3	21	marketization	marketization	NOUN
fbem-27700	3	22	of	of	ADP
fbem-27700	3	23	certain	certain	ADJ
fbem-27700	3	24	financial	financial	ADJ
fbem-27700	3	25	functions	function	NOUN
fbem-27700	3	26	,	,	PUNCT
fbem-27700	3	27	and	and	CCONJ
fbem-27700	3	28	enhances	enhance	VERB
fbem-27700	3	29	the	the	DET
fbem-27700	3	30	dissemination	dissemination	NOUN
fbem-27700	3	31	of	of	ADP
fbem-27700	3	32	financial	financial	ADJ
fbem-27700	3	33	knowledge	knowledge	NOUN
fbem-27700	3	34	,	,	PUNCT
fbem-27700	3	35	thereby	thereby	ADV
fbem-27700	3	36	improving	improve	VERB
fbem-27700	3	37	farmers	farmer	NOUN
fbem-27700	3	38	'	'	PART
fbem-27700	3	39	financial	financial	ADJ
fbem-27700	3	40	literacy	literacy	NOUN
fbem-27700	3	41	and	and	CCONJ
fbem-27700	3	42	reducing	reduce	VERB
fbem-27700	3	43	financing	financing	NOUN
fbem-27700	3	44	constraints	constraint	NOUN
fbem-27700	3	45	.	.	PUNCT
fbem-27700	4	1	specifically	specifically	ADV
fbem-27700	4	2	,	,	PUNCT
fbem-27700	4	3	agricultural	agricultural	ADJ
fbem-27700	4	4	industrialization	industrialization	NOUN
fbem-27700	4	5	and	and	CCONJ
fbem-27700	4	6	digitalization	digitalization	NOUN
fbem-27700	4	7	both	both	PRON
fbem-27700	4	8	indirectly	indirectly	ADV
fbem-27700	4	9	affect	affect	VERB
fbem-27700	4	10	the	the	DET
fbem-27700	4	11	relationship	relationship	NOUN
fbem-27700	4	12	between	between	ADP
fbem-27700	4	13	free	free	ADJ
fbem-27700	4	14	competition	competition	NOUN
fbem-27700	4	15	among	among	ADP
fbem-27700	4	16	financial	financial	ADJ
fbem-27700	4	17	institutions	institution	NOUN
fbem-27700	4	18	and	and	CCONJ
fbem-27700	4	19	farmers	farmer	NOUN
fbem-27700	4	20	'	'	PART
fbem-27700	4	21	credit	credit	NOUN
fbem-27700	4	22	accessibility	accessibility	NOUN
fbem-27700	4	23	.	.	PUNCT
fbem-27700	5	1	based	base	VERB
fbem-27700	5	2	on	on	ADP
fbem-27700	5	3	these	these	DET
fbem-27700	5	4	developments	development	NOUN
fbem-27700	5	5	,	,	PUNCT
fbem-27700	5	6	financial	financial	ADJ
fbem-27700	5	7	institutions	institution	NOUN
fbem-27700	5	8	are	be	AUX
fbem-27700	5	9	able	able	ADJ
fbem-27700	5	10	to	to	PART
fbem-27700	5	11	provide	provide	VERB
fbem-27700	5	12	more	more	ADV
fbem-27700	5	13	efficient	efficient	ADJ
fbem-27700	5	14	and	and	CCONJ
fbem-27700	5	15	convenient	convenient	ADJ
fbem-27700	5	16	financial	financial	ADJ
fbem-27700	5	17	services	service	NOUN
fbem-27700	5	18	,	,	PUNCT
fbem-27700	5	19	contributing	contribute	VERB
fbem-27700	5	20	to	to	ADP
fbem-27700	5	21	the	the	DET
fbem-27700	5	22	formation	formation	NOUN
fbem-27700	5	23	of	of	ADP
fbem-27700	5	24	a	a	DET
fbem-27700	5	25	financial	financial	ADJ
fbem-27700	5	26	ecosystem	ecosystem	NOUN
fbem-27700	5	27	.	.	PUNCT
fbem-27700	6	1	further	further	ADJ
fbem-27700	6	2	analysis	analysis	NOUN
fbem-27700	6	3	reveals	reveal	VERB
fbem-27700	6	4	a	a	DET
fbem-27700	6	5	noticeable	noticeable	ADJ
fbem-27700	6	6	"	"	PUNCT
fbem-27700	6	7	siphoning	siphon	VERB
fbem-27700	6	8	effect	effect	NOUN
fbem-27700	6	9	"	"	PUNCT
fbem-27700	6	10	of	of	ADP
fbem-27700	6	11	financial	financial	ADJ
fbem-27700	6	12	competition	competition	NOUN
fbem-27700	6	13	in	in	ADP
fbem-27700	6	14	zhejiang	zhejiang	PROPN
fbem-27700	6	15	province	province	PROPN
fbem-27700	6	16	,	,	PUNCT
fbem-27700	6	17	where	where	SCONJ
fbem-27700	6	18	it	it	PRON
fbem-27700	6	19	significantly	significantly	ADV
fbem-27700	6	20	promotes	promote	VERB
fbem-27700	6	21	the	the	DET
fbem-27700	6	22	growth	growth	NOUN
fbem-27700	6	23	of	of	ADP
fbem-27700	6	24	rural	rural	ADJ
fbem-27700	6	25	credit	credit	NOUN
fbem-27700	6	26	in	in	ADP
fbem-27700	6	27	the	the	DET
fbem-27700	6	28	region	region	NOUN
fbem-27700	6	29	while	while	SCONJ
fbem-27700	6	30	suppressing	suppress	VERB
fbem-27700	6	31	the	the	DET
fbem-27700	6	32	growth	growth	NOUN
fbem-27700	6	33	of	of	ADP
fbem-27700	6	34	rural	rural	ADJ
fbem-27700	6	35	credit	credit	NOUN
fbem-27700	6	36	in	in	ADP
fbem-27700	6	37	neighboring	neighboring	NOUN
fbem-27700	6	38	areas	area	NOUN
fbem-27700	6	39	.	.	PUNCT
fbem-27700	7	1	the	the	DET
fbem-27700	7	2	study	study	NOUN
fbem-27700	7	3	’s	’s	PART
fbem-27700	7	4	conclusions	conclusion	NOUN
fbem-27700	7	5	offer	offer	VERB
fbem-27700	7	6	both	both	CCONJ
fbem-27700	7	7	empirical	empirical	ADJ
fbem-27700	7	8	insights	insight	NOUN
fbem-27700	7	9	into	into	ADP
fbem-27700	7	10	rural	rural	ADJ
fbem-27700	7	11	financial	financial	ADJ
fbem-27700	7	12	market	market	NOUN
fbem-27700	7	13	reform	reform	NOUN
fbem-27700	7	14	from	from	ADP
fbem-27700	7	15	the	the	DET
fbem-27700	7	16	perspective	perspective	NOUN
fbem-27700	7	17	of	of	ADP
fbem-27700	7	18	policy	policy	NOUN
fbem-27700	7	19	changes	change	NOUN
fbem-27700	7	20	and	and	CCONJ
fbem-27700	7	21	practical	practical	ADJ
fbem-27700	7	22	reference	reference	NOUN
fbem-27700	7	23	from	from	ADP
fbem-27700	7	24	the	the	DET
fbem-27700	7	25	perspective	perspective	NOUN
fbem-27700	7	26	of	of	ADP
fbem-27700	7	27	regional	regional	ADJ
fbem-27700	7	28	spillovers	spillover	NOUN
fbem-27700	7	29	for	for	ADP
fbem-27700	7	30	the	the	DET
fbem-27700	7	31	development	development	NOUN
fbem-27700	7	32	of	of	ADP
fbem-27700	7	33	rural	rural	ADJ
fbem-27700	7	34	finance	finance	NOUN
fbem-27700	7	35	.	.	PUNCT
fbem-27700	8	1	keywords	keyword	NOUN
fbem-27700	8	2	:	:	PUNCT
fbem-27700	8	3	free	free	ADJ
fbem-27700	8	4	competition	competition	NOUN
fbem-27700	8	5	among	among	ADP
fbem-27700	8	6	financial	financial	ADJ
fbem-27700	8	7	institutions	institution	NOUN
fbem-27700	8	8	,	,	PUNCT
fbem-27700	8	9	financing	financing	NOUN
fbem-27700	8	10	constraints	constraint	NOUN
fbem-27700	8	11	,	,	PUNCT
fbem-27700	8	12	difference	difference	NOUN
fbem-27700	8	13	-	-	PUNCT
fbem-27700	8	14	in	in	ADP
fbem-27700	8	15	-	-	PUNCT
fbem-27700	8	16	differences	difference	NOUN
fbem-27700	8	17	,	,	PUNCT
fbem-27700	8	18	spatial	spatial	ADJ
fbem-27700	8	19	durbin	durbin	ADJ
fbem-27700	8	20	model	model	NOUN
fbem-27700	8	21	.	.	PUNCT
fbem-27700	9	1	1	1	X
fbem-27700	9	2	.	.	X
fbem-27700	9	3	introduction	introduction	NOUN
fbem-27700	9	4	the	the	DET
fbem-27700	9	5	development	development	NOUN
fbem-27700	9	6	of	of	ADP
fbem-27700	9	7	rural	rural	ADJ
fbem-27700	9	8	finance	finance	NOUN
fbem-27700	9	9	can	can	AUX
fbem-27700	9	10	promote	promote	VERB
fbem-27700	9	11	agricultural	agricultural	ADJ
fbem-27700	9	12	growth	growth	NOUN
fbem-27700	9	13	,	,	PUNCT
fbem-27700	9	14	increase	increase	VERB
fbem-27700	9	15	farmers	farmer	NOUN
fbem-27700	9	16	'	'	PART
fbem-27700	9	17	income	income	NOUN
fbem-27700	9	18	,	,	PUNCT
fbem-27700	9	19	and	and	CCONJ
fbem-27700	9	20	revitalize	revitalize	VERB
fbem-27700	9	21	the	the	DET
fbem-27700	9	22	rural	rural	ADJ
fbem-27700	9	23	economy	economy	NOUN
fbem-27700	9	24	by	by	ADP
fbem-27700	9	25	optimizing	optimize	VERB
fbem-27700	9	26	financial	financial	ADJ
fbem-27700	9	27	services	service	NOUN
fbem-27700	9	28	and	and	CCONJ
fbem-27700	9	29	resource	resource	NOUN
fbem-27700	9	30	allocation	allocation	NOUN
fbem-27700	9	31	,	,	PUNCT
fbem-27700	9	32	thus	thus	ADV
fbem-27700	9	33	achieving	achieve	VERB
fbem-27700	9	34	coordinated	coordinate	VERB
fbem-27700	9	35	urban	urban	ADJ
fbem-27700	9	36	-	-	PUNCT
fbem-27700	9	37	rural	rural	ADJ
fbem-27700	9	38	economic	economic	ADJ
fbem-27700	9	39	development	development	NOUN
fbem-27700	9	40	.	.	PUNCT
fbem-27700	10	1	after	after	SCONJ
fbem-27700	10	2	china	china	PROPN
fbem-27700	10	3	transitioned	transition	VERB
fbem-27700	10	4	to	to	ADP
fbem-27700	10	5	a	a	DET
fbem-27700	10	6	socialist	socialist	ADJ
fbem-27700	10	7	market	market	NOUN
fbem-27700	10	8	economy	economy	NOUN
fbem-27700	10	9	,	,	PUNCT
fbem-27700	10	10	rural	rural	ADJ
fbem-27700	10	11	financial	financial	ADJ
fbem-27700	10	12	reforms	reform	NOUN
fbem-27700	10	13	,	,	PUNCT
fbem-27700	10	14	under	under	ADP
fbem-27700	10	15	the	the	DET
fbem-27700	10	16	guidance	guidance	NOUN
fbem-27700	10	17	of	of	ADP
fbem-27700	10	18	policy	policy	NOUN
fbem-27700	10	19	directions	direction	NOUN
fbem-27700	10	20	,	,	PUNCT
fbem-27700	10	21	have	have	AUX
fbem-27700	10	22	provided	provide	VERB
fbem-27700	10	23	strong	strong	ADJ
fbem-27700	10	24	financial	financial	ADJ
fbem-27700	10	25	support	support	NOUN
fbem-27700	10	26	for	for	ADP
fbem-27700	10	27	the	the	DET
fbem-27700	10	28	development	development	NOUN
fbem-27700	10	29	of	of	ADP
fbem-27700	10	30	the	the	DET
fbem-27700	10	31	"	"	PUNCT
fbem-27700	10	32	three	three	NUM
fbem-27700	10	33	rural	rural	ADJ
fbem-27700	10	34	issues	issue	NOUN
fbem-27700	10	35	"	"	PUNCT
fbem-27700	10	36	(	(	PUNCT
fbem-27700	10	37	agriculture	agriculture	NOUN
fbem-27700	10	38	,	,	PUNCT
fbem-27700	10	39	rural	rural	ADJ
fbem-27700	10	40	areas	area	NOUN
fbem-27700	10	41	,	,	PUNCT
fbem-27700	10	42	and	and	CCONJ
fbem-27700	10	43	farmers	farmer	NOUN
fbem-27700	10	44	)	)	PUNCT
fbem-27700	10	45	.	.	PUNCT
fbem-27700	11	1	however	however	ADV
fbem-27700	11	2	,	,	PUNCT
fbem-27700	11	3	the	the	DET
fbem-27700	11	4	institutional	institutional	ADJ
fbem-27700	11	5	mechanisms	mechanism	NOUN
fbem-27700	11	6	of	of	ADP
fbem-27700	11	7	rural	rural	ADJ
fbem-27700	11	8	financial	financial	ADJ
fbem-27700	11	9	institutions	institution	NOUN
fbem-27700	11	10	in	in	ADP
fbem-27700	11	11	china	china	PROPN
fbem-27700	11	12	are	be	AUX
fbem-27700	11	13	still	still	ADV
fbem-27700	11	14	incomplete	incomplete	ADJ
fbem-27700	11	15	,	,	PUNCT
fbem-27700	11	16	and	and	CCONJ
fbem-27700	11	17	credit	credit	NOUN
fbem-27700	11	18	supply	supply	NOUN
fbem-27700	11	19	faces	face	VERB
fbem-27700	11	20	multiple	multiple	ADJ
fbem-27700	11	21	barriers	barrier	NOUN
fbem-27700	11	22	.	.	PUNCT
fbem-27700	12	1	on	on	ADP
fbem-27700	12	2	one	one	NUM
fbem-27700	12	3	hand	hand	NOUN
fbem-27700	12	4	,	,	PUNCT
fbem-27700	12	5	there	there	PRON
fbem-27700	12	6	are	be	VERB
fbem-27700	12	7	insufficient	insufficient	ADJ
fbem-27700	12	8	rural	rural	ADJ
fbem-27700	12	9	financial	financial	ADJ
fbem-27700	12	10	institutions	institution	NOUN
fbem-27700	12	11	,	,	PUNCT
fbem-27700	12	12	leading	lead	VERB
fbem-27700	12	13	to	to	ADP
fbem-27700	12	14	insufficient	insufficient	ADJ
fbem-27700	12	15	competition	competition	NOUN
fbem-27700	12	16	.	.	PUNCT
fbem-27700	13	1	in	in	ADP
fbem-27700	13	2	many	many	ADJ
fbem-27700	13	3	regions	region	NOUN
fbem-27700	13	4	,	,	PUNCT
fbem-27700	13	5	rural	rural	ADJ
fbem-27700	13	6	credit	credit	NOUN
fbem-27700	13	7	cooperatives	cooperative	NOUN
fbem-27700	13	8	and	and	CCONJ
fbem-27700	13	9	rural	rural	ADJ
fbem-27700	13	10	commercial	commercial	ADJ
fbem-27700	13	11	banks	bank	NOUN
fbem-27700	13	12	have	have	AUX
fbem-27700	13	13	nearly	nearly	ADV
fbem-27700	13	14	monopolized	monopolize	VERB
fbem-27700	13	15	the	the	DET
fbem-27700	13	16	market	market	NOUN
fbem-27700	13	17	.	.	PUNCT
fbem-27700	14	1	moreover	moreover	ADV
fbem-27700	14	2	,	,	PUNCT
fbem-27700	14	3	financial	financial	ADJ
fbem-27700	14	4	products	product	NOUN
fbem-27700	14	5	and	and	CCONJ
fbem-27700	14	6	services	service	NOUN
fbem-27700	14	7	are	be	AUX
fbem-27700	14	8	lacking	lack	VERB
fbem-27700	14	9	in	in	ADP
fbem-27700	14	10	diversity	diversity	NOUN
fbem-27700	14	11	,	,	PUNCT
fbem-27700	14	12	and	and	CCONJ
fbem-27700	14	13	operational	operational	ADJ
fbem-27700	14	14	efficiency	efficiency	NOUN
fbem-27700	14	15	is	be	AUX
fbem-27700	14	16	low	low	ADJ
fbem-27700	14	17	(	(	PUNCT
fbem-27700	14	18	chen	chen	PROPN
fbem-27700	14	19	xiao	xiao	PROPN
fbem-27700	14	20	-	-	PUNCT
fbem-27700	14	21	zhi	zhi	PROPN
fbem-27700	14	22	,	,	PUNCT
fbem-27700	14	23	2024	2024	NUM
fbem-27700	14	24	;	;	PUNCT
fbem-27700	14	25	pan	pan	PROPN
fbem-27700	14	26	yan	yan	PROPN
fbem-27700	14	27	-	-	PUNCT
fbem-27700	14	28	yan	yan	PROPN
fbem-27700	14	29	,	,	PUNCT
fbem-27700	14	30	2019	2019	NUM
fbem-27700	14	31	;	;	PUNCT
fbem-27700	14	32	wen	wen	PROPN
fbem-27700	14	33	tao	tao	PROPN
fbem-27700	14	34	,	,	PUNCT
fbem-27700	14	35	2023	2023	NUM
fbem-27700	14	36	)	)	PUNCT
fbem-27700	14	37	.	.	PUNCT
fbem-27700	15	1	on	on	ADP
fbem-27700	15	2	the	the	DET
fbem-27700	15	3	other	other	ADJ
fbem-27700	15	4	hand	hand	NOUN
fbem-27700	15	5	,	,	PUNCT
fbem-27700	15	6	credit	credit	NOUN
fbem-27700	15	7	interest	interest	NOUN
fbem-27700	15	8	rates	rate	NOUN
fbem-27700	15	9	have	have	AUX
fbem-27700	15	10	long	long	ADV
fbem-27700	15	11	been	be	AUX
fbem-27700	15	12	strictly	strictly	ADV
fbem-27700	15	13	controlled	control	VERB
fbem-27700	15	14	,	,	PUNCT
fbem-27700	15	15	resulting	result	VERB
fbem-27700	15	16	in	in	ADP
fbem-27700	15	17	interest	interest	NOUN
fbem-27700	15	18	rates	rate	NOUN
fbem-27700	15	19	remaining	remain	VERB
fbem-27700	15	20	at	at	ADP
fbem-27700	15	21	low	low	ADJ
fbem-27700	15	22	levels	level	NOUN
fbem-27700	15	23	,	,	PUNCT
fbem-27700	15	24	which	which	PRON
fbem-27700	15	25	prevents	prevent	VERB
fbem-27700	15	26	financial	financial	ADJ
fbem-27700	15	27	institutions	institution	NOUN
fbem-27700	15	28	from	from	ADP
fbem-27700	15	29	implementing	implement	VERB
fbem-27700	15	30	differentiated	differentiated	ADJ
fbem-27700	15	31	interest	interest	NOUN
fbem-27700	15	32	rate	rate	NOUN
fbem-27700	15	33	policies	policy	NOUN
fbem-27700	15	34	(	(	PUNCT
fbem-27700	15	35	peng	peng	PROPN
fbem-27700	15	36	peng	peng	PROPN
fbem-27700	15	37	,	,	PUNCT
fbem-27700	15	38	2022	2022	NUM
fbem-27700	15	39	;	;	PUNCT
fbem-27700	15	40	wu	wu	PROPN
fbem-27700	15	41	ben	ben	PROPN
fbem-27700	15	42	-	-	PROPN
fbem-27700	15	43	jian	jian	PROPN
fbem-27700	15	44	,	,	PUNCT
fbem-27700	15	45	2022	2022	NUM
fbem-27700	15	46	)	)	PUNCT
fbem-27700	15	47	.	.	PUNCT
fbem-27700	16	1	financial	financial	ADJ
fbem-27700	16	2	development	development	PROPN
fbem-27700	16	3	theory	theory	NOUN
fbem-27700	16	4	suggests	suggest	VERB
fbem-27700	16	5	that	that	SCONJ
fbem-27700	16	6	one	one	NUM
fbem-27700	16	7	of	of	ADP
fbem-27700	16	8	the	the	DET
fbem-27700	16	9	main	main	ADJ
fbem-27700	16	10	indicators	indicator	NOUN
fbem-27700	16	11	of	of	ADP
fbem-27700	16	12	financial	financial	ADJ
fbem-27700	16	13	liberalization	liberalization	NOUN
fbem-27700	16	14	is	be	AUX
fbem-27700	16	15	interest	interest	NOUN
fbem-27700	16	16	rate	rate	NOUN
fbem-27700	16	17	marketization	marketization	NOUN
fbem-27700	16	18	.	.	PUNCT
fbem-27700	17	1	the	the	DET
fbem-27700	17	2	theory	theory	NOUN
fbem-27700	17	3	of	of	ADP
fbem-27700	17	4	financial	financial	ADJ
fbem-27700	17	5	constraints	constraint	NOUN
fbem-27700	17	6	also	also	ADV
fbem-27700	17	7	argues	argue	VERB
fbem-27700	17	8	that	that	SCONJ
fbem-27700	17	9	appropriate	appropriate	ADJ
fbem-27700	17	10	market	market	NOUN
fbem-27700	17	11	intervention	intervention	NOUN
fbem-27700	17	12	can	can	AUX
fbem-27700	17	13	effectively	effectively	ADV
fbem-27700	17	14	promote	promote	VERB
fbem-27700	17	15	financial	financial	ADJ
fbem-27700	17	16	development	development	NOUN
fbem-27700	17	17	,	,	PUNCT
fbem-27700	17	18	thus	thus	ADV
fbem-27700	17	19	achieving	achieve	VERB
fbem-27700	17	20	economic	economic	ADJ
fbem-27700	17	21	growth	growth	NOUN
fbem-27700	17	22	.	.	PUNCT
fbem-27700	18	1	however	however	ADV
fbem-27700	18	2	,	,	PUNCT
fbem-27700	18	3	in	in	ADP
fbem-27700	18	4	the	the	DET
fbem-27700	18	5	rural	rural	ADJ
fbem-27700	18	6	financial	financial	ADJ
fbem-27700	18	7	market	market	NOUN
fbem-27700	18	8	,	,	PUNCT
fbem-27700	18	9	does	do	AUX
fbem-27700	18	10	the	the	DET
fbem-27700	18	11	government	government	NOUN
fbem-27700	18	12	’s	’s	PART
fbem-27700	18	13	moderate	moderate	ADJ
fbem-27700	18	14	intervention	intervention	NOUN
fbem-27700	18	15	to	to	PART
fbem-27700	18	16	achieve	achieve	VERB
fbem-27700	18	17	interest	interest	NOUN
fbem-27700	18	18	rate	rate	NOUN
fbem-27700	18	19	liberalization	liberalization	NOUN
fbem-27700	18	20	and	and	CCONJ
fbem-27700	18	21	promote	promote	VERB
fbem-27700	18	22	free	free	ADJ
fbem-27700	18	23	competition	competition	NOUN
fbem-27700	18	24	among	among	ADP
fbem-27700	18	25	financial	financial	ADJ
fbem-27700	18	26	institutions	institution	NOUN
fbem-27700	18	27	follow	follow	VERB
fbem-27700	18	28	this	this	DET
fbem-27700	18	29	pattern	pattern	NOUN
fbem-27700	18	30	?	?	PUNCT
fbem-27700	19	1	existing	exist	VERB
fbem-27700	19	2	literature	literature	NOUN
fbem-27700	19	3	has	have	AUX
fbem-27700	19	4	extensively	extensively	ADV
fbem-27700	19	5	studied	study	VERB
fbem-27700	19	6	the	the	DET
fbem-27700	19	7	effects	effect	NOUN
fbem-27700	19	8	of	of	ADP
fbem-27700	19	9	rural	rural	ADJ
fbem-27700	19	10	financial	financial	ADJ
fbem-27700	19	11	market	market	NOUN
fbem-27700	19	12	reforms	reform	NOUN
fbem-27700	19	13	.	.	PUNCT
fbem-27700	20	1	most	most	ADJ
fbem-27700	20	2	scholars	scholar	NOUN
fbem-27700	20	3	believe	believe	VERB
fbem-27700	20	4	that	that	SCONJ
fbem-27700	20	5	competition	competition	NOUN
fbem-27700	20	6	among	among	ADP
fbem-27700	20	7	financial	financial	ADJ
fbem-27700	20	8	institutions	institution	NOUN
fbem-27700	20	9	reduces	reduce	VERB
fbem-27700	20	10	the	the	DET
fbem-27700	20	11	marginal	marginal	ADJ
fbem-27700	20	12	return	return	NOUN
fbem-27700	20	13	gap	gap	NOUN
fbem-27700	20	14	between	between	ADP
fbem-27700	20	15	bank	bank	NOUN
fbem-27700	20	16	lending	lending	NOUN
fbem-27700	20	17	to	to	ADP
fbem-27700	20	18	non	non	ADJ
fbem-27700	20	19	-	-	ADJ
fbem-27700	20	20	agricultural	agricultural	ADJ
fbem-27700	20	21	and	and	CCONJ
fbem-27700	20	22	agricultural	agricultural	ADJ
fbem-27700	20	23	sectors	sector	NOUN
fbem-27700	20	24	,	,	PUNCT
fbem-27700	20	25	thereby	thereby	ADV
fbem-27700	20	26	increasing	increase	VERB
fbem-27700	20	27	agricultural	agricultural	ADJ
fbem-27700	20	28	loans	loan	NOUN
fbem-27700	20	29	(	(	PUNCT
fbem-27700	20	30	qi	qi	PROPN
fbem-27700	20	31	hao	hao	PROPN
fbem-27700	20	32	,	,	PUNCT
fbem-27700	20	33	2022	2022	NUM
fbem-27700	20	34	)	)	PUNCT
fbem-27700	20	35	.	.	PUNCT
fbem-27700	21	1	banking	banking	NOUN
fbem-27700	21	2	competition	competition	NOUN
fbem-27700	21	3	helps	help	VERB
fbem-27700	21	4	enhance	enhance	VERB
fbem-27700	21	5	farmers	farmer	NOUN
fbem-27700	21	6	'	'	PART
fbem-27700	21	7	financial	financial	ADJ
fbem-27700	21	8	accessibility	accessibility	NOUN
fbem-27700	21	9	(	(	PUNCT
fbem-27700	21	10	wang	wang	PROPN
fbem-27700	21	11	xiu	xiu	PROPN
fbem-27700	21	12	-	-	PUNCT
fbem-27700	21	13	hua	hua	PROPN
fbem-27700	21	14	,	,	PUNCT
fbem-27700	21	15	2023	2023	NUM
fbem-27700	21	16	)	)	PUNCT
fbem-27700	21	17	,	,	PUNCT
fbem-27700	21	18	while	while	SCONJ
fbem-27700	21	19	also	also	ADV
fbem-27700	21	20	deepening	deepen	VERB
fbem-27700	21	21	the	the	DET
fbem-27700	21	22	development	development	NOUN
fbem-27700	21	23	of	of	ADP
fbem-27700	21	24	inclusive	inclusive	ADJ
fbem-27700	21	25	financial	financial	ADJ
fbem-27700	21	26	services	service	NOUN
fbem-27700	21	27	and	and	CCONJ
fbem-27700	21	28	improving	improve	VERB
fbem-27700	21	29	the	the	DET
fbem-27700	21	30	operational	operational	ADJ
fbem-27700	21	31	efficiency	efficiency	NOUN
fbem-27700	21	32	of	of	ADP
fbem-27700	21	33	rural	rural	ADJ
fbem-27700	21	34	commercial	commercial	ADJ
fbem-27700	21	35	banks	bank	NOUN
fbem-27700	21	36	,	,	PUNCT
fbem-27700	21	37	which	which	PRON
fbem-27700	21	38	in	in	ADP
fbem-27700	21	39	turn	turn	NOUN
fbem-27700	21	40	increases	increase	VERB
fbem-27700	21	41	farmers	farmer	NOUN
fbem-27700	21	42	'	'	PART
fbem-27700	21	43	access	access	NOUN
fbem-27700	21	44	to	to	ADP
fbem-27700	21	45	loans	loan	NOUN
fbem-27700	21	46	(	(	PUNCT
fbem-27700	21	47	wang	wang	PROPN
fbem-27700	21	48	xue	xue	PROPN
fbem-27700	21	49	,	,	PUNCT
fbem-27700	21	50	2019	2019	NUM
fbem-27700	21	51	;	;	PUNCT
fbem-27700	21	52	zhang	zhang	PROPN
fbem-27700	21	53	da	da	PROPN
fbem-27700	21	54	-	-	PUNCT
fbem-27700	21	55	yong	yong	PROPN
fbem-27700	21	56	,	,	PUNCT
fbem-27700	21	57	2019	2019	NUM
fbem-27700	21	58	)	)	PUNCT
fbem-27700	21	59	.	.	PUNCT
fbem-27700	22	1	meanwhile	meanwhile	ADV
fbem-27700	22	2	,	,	PUNCT
fbem-27700	22	3	breaking	break	VERB
fbem-27700	22	4	market	market	NOUN
fbem-27700	22	5	monopolies	monopoly	NOUN
fbem-27700	22	6	and	and	CCONJ
fbem-27700	22	7	advancing	advance	VERB
fbem-27700	22	8	interest	interest	NOUN
fbem-27700	22	9	rate	rate	NOUN
fbem-27700	22	10	marketization	marketization	NOUN
fbem-27700	22	11	reforms	reform	NOUN
fbem-27700	22	12	are	be	AUX
fbem-27700	22	13	key	key	ADJ
fbem-27700	22	14	to	to	ADP
fbem-27700	22	15	solving	solve	VERB
fbem-27700	22	16	the	the	DET
fbem-27700	22	17	issue	issue	NOUN
fbem-27700	22	18	of	of	ADP
fbem-27700	22	19	insufficient	insufficient	ADJ
fbem-27700	22	20	rural	rural	ADJ
fbem-27700	22	21	financial	financial	ADJ
fbem-27700	22	22	supply	supply	NOUN
fbem-27700	22	23	(	(	PUNCT
fbem-27700	22	24	xu	xu	PROPN
fbem-27700	22	25	zhong	zhong	PROPN
fbem-27700	22	26	,	,	PUNCT
fbem-27700	22	27	2004	2004	NUM
fbem-27700	22	28	)	)	PUNCT
fbem-27700	22	29	.	.	PUNCT
fbem-27700	23	1	interest	interest	NOUN
fbem-27700	23	2	rate	rate	NOUN
fbem-27700	23	3	marketization	marketization	NOUN
fbem-27700	23	4	incentivizes	incentivize	VERB
fbem-27700	23	5	financial	financial	ADJ
fbem-27700	23	6	institutions	institution	NOUN
fbem-27700	23	7	to	to	PART
fbem-27700	23	8	issue	issue	VERB
fbem-27700	23	9	loans	loan	NOUN
fbem-27700	23	10	,	,	PUNCT
fbem-27700	23	11	ensuring	ensure	VERB
fbem-27700	23	12	that	that	SCONJ
fbem-27700	23	13	farmers	farmer	NOUN
fbem-27700	23	14	'	'	PART
fbem-27700	23	15	loan	loan	NOUN
fbem-27700	23	16	costs	cost	NOUN
fbem-27700	23	17	are	be	AUX
fbem-27700	23	18	reasonably	reasonably	ADV
fbem-27700	23	19	compensated	compensate	VERB
fbem-27700	23	20	(	(	PUNCT
fbem-27700	23	21	zhu	zhu	X
fbem-27700	23	22	xi	xi	X
fbem-27700	23	23	et	et	PROPN
fbem-27700	23	24	al	al	PROPN
fbem-27700	23	25	.	.	PROPN
fbem-27700	23	26	,	,	PUNCT
fbem-27700	23	27	2006	2006	NUM
fbem-27700	23	28	)	)	PUNCT
fbem-27700	23	29	.	.	PUNCT
fbem-27700	24	1	however	however	ADV
fbem-27700	24	2	,	,	PUNCT
fbem-27700	24	3	the	the	DET
fbem-27700	24	4	low	low	ADJ
fbem-27700	24	5	profitability	profitability	NOUN
fbem-27700	24	6	and	and	CCONJ
fbem-27700	24	7	high	high	ADJ
fbem-27700	24	8	risks	risk	NOUN
fbem-27700	24	9	in	in	ADP
fbem-27700	24	10	agriculture	agriculture	NOUN
fbem-27700	24	11	lead	lead	VERB
fbem-27700	24	12	financial	financial	ADJ
fbem-27700	24	13	institutions	institution	NOUN
fbem-27700	24	14	to	to	PART
fbem-27700	24	15	withdraw	withdraw	VERB
fbem-27700	24	16	from	from	ADP
fbem-27700	24	17	the	the	DET
fbem-27700	24	18	agricultural	agricultural	ADJ
fbem-27700	24	19	sector	sector	NOUN
fbem-27700	24	20	,	,	PUNCT
fbem-27700	24	21	making	make	VERB
fbem-27700	24	22	it	it	PRON
fbem-27700	24	23	difficult	difficult	ADJ
fbem-27700	24	24	for	for	SCONJ
fbem-27700	24	25	farmers	farmer	NOUN
fbem-27700	24	26	and	and	CCONJ
fbem-27700	24	27	small	small	ADJ
fbem-27700	24	28	rural	rural	ADJ
fbem-27700	24	29	enterprises	enterprise	NOUN
fbem-27700	24	30	to	to	PART
fbem-27700	24	31	secure	secure	VERB
fbem-27700	24	32	loans	loan	NOUN
fbem-27700	24	33	(	(	PUNCT
fbem-27700	24	34	cao	cao	PROPN
fbem-27700	24	35	li	li	PROPN
fbem-27700	24	36	-	-	PROPN
fbem-27700	24	37	qun	qun	PROPN
fbem-27700	24	38	,	,	PUNCT
fbem-27700	24	39	2001	2001	NUM
fbem-27700	24	40	)	)	PUNCT
fbem-27700	24	41	.	.	PUNCT
fbem-27700	25	1	studies	study	NOUN
fbem-27700	25	2	have	have	AUX
fbem-27700	25	3	shown	show	VERB
fbem-27700	25	4	that	that	SCONJ
fbem-27700	25	5	rural	rural	ADJ
fbem-27700	25	6	formal	formal	ADJ
fbem-27700	25	7	financial	financial	ADJ
fbem-27700	25	8	loans	loan	NOUN
fbem-27700	25	9	are	be	AUX
fbem-27700	25	10	not	not	PART
fbem-27700	25	11	aligned	align	VERB
fbem-27700	25	12	with	with	ADP
fbem-27700	25	13	farmers	farmer	NOUN
fbem-27700	25	14	’	'	PUNCT
fbem-27700	25	15	needs	need	NOUN
fbem-27700	25	16	in	in	ADP
fbem-27700	25	17	terms	term	NOUN
fbem-27700	25	18	of	of	ADP
fbem-27700	25	19	scale	scale	NOUN
fbem-27700	25	20	,	,	PUNCT
fbem-27700	25	21	duration	duration	NOUN
fbem-27700	25	22	,	,	PUNCT
fbem-27700	25	23	etc	etc	X
fbem-27700	25	24	.	.	X
fbem-27700	26	1	(	(	PUNCT
fbem-27700	26	2	huo	huo	PROPN
fbem-27700	26	3	xue	xue	PROPN
fbem-27700	26	4	-	-	PUNCT
fbem-27700	26	5	xi	xi	PROPN
fbem-27700	26	6	,	,	PUNCT
fbem-27700	26	7	2005	2005	NUM
fbem-27700	26	8	)	)	PUNCT
fbem-27700	26	9	.	.	PUNCT
fbem-27700	27	1	financial	financial	ADJ
fbem-27700	27	2	institutions	institution	NOUN
fbem-27700	27	3	have	have	AUX
fbem-27700	27	4	not	not	PART
fbem-27700	27	5	designed	design	VERB
fbem-27700	27	6	appropriate	appropriate	ADJ
fbem-27700	27	7	credit	credit	NOUN
fbem-27700	27	8	contracts	contract	NOUN
fbem-27700	27	9	and	and	CCONJ
fbem-27700	27	10	risk	risk	NOUN
fbem-27700	27	11	management	management	NOUN
fbem-27700	27	12	strategies	strategy	NOUN
fbem-27700	27	13	based	base	VERB
fbem-27700	27	14	on	on	ADP
fbem-27700	27	15	the	the	DET
fbem-27700	27	16	small	small	ADJ
fbem-27700	27	17	-	-	PUNCT
fbem-27700	27	18	scale	scale	NOUN
fbem-27700	27	19	operations	operation	NOUN
fbem-27700	27	20	of	of	ADP
fbem-27700	27	21	farmers	farmer	NOUN
fbem-27700	27	22	(	(	PUNCT
fbem-27700	27	23	cheng	cheng	PROPN
fbem-27700	27	24	yu	yu	PROPN
fbem-27700	27	25	,	,	PUNCT
fbem-27700	27	26	2009	2009	NUM
fbem-27700	27	27	)	)	PUNCT
fbem-27700	27	28	.	.	PUNCT
fbem-27700	28	1	therefore	therefore	ADV
fbem-27700	28	2	,	,	PUNCT
fbem-27700	28	3	promoting	promote	VERB
fbem-27700	28	4	the	the	DET
fbem-27700	28	5	deepening	deepening	NOUN
fbem-27700	28	6	of	of	ADP
fbem-27700	28	7	rural	rural	ADJ
fbem-27700	28	8	financial	financial	ADJ
fbem-27700	28	9	market	market	NOUN
fbem-27700	28	10	reforms	reform	NOUN
fbem-27700	28	11	,	,	PUNCT
fbem-27700	28	12	granting	grant	VERB
fbem-27700	28	13	financial	financial	ADJ
fbem-27700	28	14	institutions	institution	NOUN
fbem-27700	28	15	more	more	ADJ
fbem-27700	28	16	pricing	pricing	NOUN
fbem-27700	28	17	344	344	NUM
fbem-27700	28	18	autonomy	autonomy	NOUN
fbem-27700	28	19	,	,	PUNCT
fbem-27700	28	20	breaking	break	VERB
fbem-27700	28	21	financial	financial	ADJ
fbem-27700	28	22	market	market	NOUN
fbem-27700	28	23	monopolies	monopoly	NOUN
fbem-27700	28	24	,	,	PUNCT
fbem-27700	28	25	and	and	CCONJ
fbem-27700	28	26	activating	activate	VERB
fbem-27700	28	27	the	the	DET
fbem-27700	28	28	innovative	innovative	ADJ
fbem-27700	28	29	vitality	vitality	NOUN
fbem-27700	28	30	of	of	ADP
fbem-27700	28	31	financial	financial	ADJ
fbem-27700	28	32	institutions	institution	NOUN
fbem-27700	28	33	to	to	PART
fbem-27700	28	34	better	well	ADV
fbem-27700	28	35	introduce	introduce	VERB
fbem-27700	28	36	market	market	NOUN
fbem-27700	28	37	-	-	PUNCT
fbem-27700	28	38	driven	drive	VERB
fbem-27700	28	39	financial	financial	ADJ
fbem-27700	28	40	products	product	NOUN
fbem-27700	28	41	are	be	AUX
fbem-27700	28	42	necessary	necessary	ADJ
fbem-27700	28	43	measures	measure	NOUN
fbem-27700	28	44	to	to	PART
fbem-27700	28	45	address	address	VERB
fbem-27700	28	46	the	the	DET
fbem-27700	28	47	financing	financing	NOUN
fbem-27700	28	48	difficulties	difficulty	NOUN
fbem-27700	28	49	faced	face	VERB
fbem-27700	28	50	by	by	ADP
fbem-27700	28	51	farmers	farmer	NOUN
fbem-27700	28	52	and	and	CCONJ
fbem-27700	28	53	small	small	ADJ
fbem-27700	28	54	rural	rural	ADJ
fbem-27700	28	55	enterprises	enterprise	NOUN
fbem-27700	28	56	.	.	PUNCT
fbem-27700	29	1	in	in	ADP
fbem-27700	29	2	response	response	NOUN
fbem-27700	29	3	to	to	ADP
fbem-27700	29	4	the	the	DET
fbem-27700	29	5	aforementioned	aforementioned	ADJ
fbem-27700	29	6	issues	issue	NOUN
fbem-27700	29	7	,	,	PUNCT
fbem-27700	29	8	this	this	DET
fbem-27700	29	9	paper	paper	NOUN
fbem-27700	29	10	conducts	conduct	VERB
fbem-27700	29	11	an	an	DET
fbem-27700	29	12	in	in	ADP
fbem-27700	29	13	-	-	PUNCT
fbem-27700	29	14	depth	depth	NOUN
fbem-27700	29	15	study	study	NOUN
fbem-27700	29	16	of	of	ADP
fbem-27700	29	17	how	how	SCONJ
fbem-27700	29	18	financial	financial	ADJ
fbem-27700	29	19	institutions	institution	NOUN
fbem-27700	29	20	react	react	VERB
fbem-27700	29	21	to	to	ADP
fbem-27700	29	22	interest	interest	NOUN
fbem-27700	29	23	rate	rate	NOUN
fbem-27700	29	24	changes	change	NOUN
fbem-27700	29	25	and	and	CCONJ
fbem-27700	29	26	how	how	SCONJ
fbem-27700	29	27	financing	financing	NOUN
fbem-27700	29	28	constraints	constraint	NOUN
fbem-27700	29	29	affect	affect	VERB
fbem-27700	29	30	farmers	farmer	NOUN
fbem-27700	29	31	'	'	PART
fbem-27700	29	32	borrowing	borrowing	NOUN
fbem-27700	29	33	decisions	decision	NOUN
fbem-27700	29	34	.	.	PUNCT
fbem-27700	30	1	this	this	DET
fbem-27700	30	2	approach	approach	NOUN
fbem-27700	30	3	further	far	ADV
fbem-27700	30	4	tests	test	VERB
fbem-27700	30	5	the	the	DET
fbem-27700	30	6	actual	actual	ADJ
fbem-27700	30	7	policy	policy	NOUN
fbem-27700	30	8	effects	effect	NOUN
fbem-27700	30	9	of	of	ADP
fbem-27700	30	10	free	free	ADJ
fbem-27700	30	11	competition	competition	NOUN
fbem-27700	30	12	among	among	ADP
fbem-27700	30	13	financial	financial	ADJ
fbem-27700	30	14	institutions	institution	NOUN
fbem-27700	30	15	,	,	PUNCT
fbem-27700	30	16	revealing	reveal	VERB
fbem-27700	30	17	the	the	DET
fbem-27700	30	18	essential	essential	ADJ
fbem-27700	30	19	characteristics	characteristic	NOUN
fbem-27700	30	20	and	and	CCONJ
fbem-27700	30	21	practical	practical	ADJ
fbem-27700	30	22	impacts	impact	NOUN
fbem-27700	30	23	of	of	ADP
fbem-27700	30	24	marketization	marketization	NOUN
fbem-27700	30	25	.	.	PUNCT
fbem-27700	31	1	it	it	PRON
fbem-27700	31	2	holds	hold	VERB
fbem-27700	31	3	significant	significant	ADJ
fbem-27700	31	4	importance	importance	NOUN
fbem-27700	31	5	for	for	ADP
fbem-27700	31	6	optimizing	optimize	VERB
fbem-27700	31	7	rural	rural	ADJ
fbem-27700	31	8	financial	financial	ADJ
fbem-27700	31	9	policies	policy	NOUN
fbem-27700	31	10	and	and	CCONJ
fbem-27700	31	11	improving	improve	VERB
fbem-27700	31	12	rural	rural	ADJ
fbem-27700	31	13	financial	financial	ADJ
fbem-27700	31	14	markets	market	NOUN
fbem-27700	31	15	.	.	PUNCT
fbem-27700	32	1	therefore	therefore	ADV
fbem-27700	32	2	,	,	PUNCT
fbem-27700	32	3	this	this	DET
fbem-27700	32	4	study	study	NOUN
fbem-27700	32	5	selects	select	VERB
fbem-27700	32	6	ten	ten	NUM
fbem-27700	32	7	villages	village	NOUN
fbem-27700	32	8	from	from	ADP
fbem-27700	32	9	fixed	fix	VERB
fbem-27700	32	10	observation	observation	NOUN
fbem-27700	32	11	points	point	NOUN
fbem-27700	32	12	in	in	ADP
fbem-27700	32	13	zhejiang	zhejiang	PROPN
fbem-27700	32	14	province	province	PROPN
fbem-27700	32	15	as	as	ADP
fbem-27700	32	16	the	the	DET
fbem-27700	32	17	research	research	NOUN
fbem-27700	32	18	subjects	subject	NOUN
fbem-27700	32	19	.	.	PUNCT
fbem-27700	33	1	these	these	DET
fbem-27700	33	2	villages	village	NOUN
fbem-27700	33	3	are	be	AUX
fbem-27700	33	4	distributed	distribute	VERB
fbem-27700	33	5	across	across	ADP
fbem-27700	33	6	ten	ten	NUM
fbem-27700	33	7	different	different	ADJ
fbem-27700	33	8	county	county	NOUN
fbem-27700	33	9	-	-	PUNCT
fbem-27700	33	10	level	level	NOUN
fbem-27700	33	11	regions	region	NOUN
fbem-27700	33	12	in	in	ADP
fbem-27700	33	13	the	the	DET
fbem-27700	33	14	province	province	NOUN
fbem-27700	33	15	,	,	PUNCT
fbem-27700	33	16	representing	represent	VERB
fbem-27700	33	17	various	various	ADJ
fbem-27700	33	18	development	development	NOUN
fbem-27700	33	19	types	type	NOUN
fbem-27700	33	20	such	such	ADJ
fbem-27700	33	21	as	as	ADP
fbem-27700	33	22	urbanized	urbanized	ADJ
fbem-27700	33	23	villages	village	NOUN
fbem-27700	33	24	,	,	PUNCT
fbem-27700	33	25	traditional	traditional	ADJ
fbem-27700	33	26	agricultural	agricultural	ADJ
fbem-27700	33	27	villages	village	NOUN
fbem-27700	33	28	,	,	PUNCT
fbem-27700	33	29	and	and	CCONJ
fbem-27700	33	30	island	island	NOUN
fbem-27700	33	31	fishing	fishing	NOUN
fbem-27700	33	32	villages	village	NOUN
fbem-27700	33	33	.	.	PUNCT
fbem-27700	34	1	this	this	DET
fbem-27700	34	2	diversity	diversity	NOUN
fbem-27700	34	3	effectively	effectively	ADV
fbem-27700	34	4	represents	represent	VERB
fbem-27700	34	5	the	the	DET
fbem-27700	34	6	rural	rural	ADJ
fbem-27700	34	7	situation	situation	NOUN
fbem-27700	34	8	in	in	ADP
fbem-27700	34	9	zhejiang	zhejiang	PROPN
fbem-27700	34	10	and	and	CCONJ
fbem-27700	34	11	provides	provide	VERB
fbem-27700	34	12	valuable	valuable	ADJ
fbem-27700	34	13	experience	experience	NOUN
fbem-27700	34	14	for	for	ADP
fbem-27700	34	15	rural	rural	ADJ
fbem-27700	34	16	reform	reform	NOUN
fbem-27700	34	17	and	and	CCONJ
fbem-27700	34	18	development	development	NOUN
fbem-27700	34	19	in	in	ADP
fbem-27700	34	20	other	other	ADJ
fbem-27700	34	21	regions	region	NOUN
fbem-27700	34	22	.	.	PUNCT
fbem-27700	35	1	the	the	DET
fbem-27700	35	2	marginal	marginal	ADJ
fbem-27700	35	3	contributions	contribution	NOUN
fbem-27700	35	4	of	of	ADP
fbem-27700	35	5	this	this	DET
fbem-27700	35	6	study	study	NOUN
fbem-27700	35	7	are	be	AUX
fbem-27700	35	8	as	as	SCONJ
fbem-27700	35	9	follows	follow	VERB
fbem-27700	35	10	:	:	PUNCT
fbem-27700	35	11	first	first	ADV
fbem-27700	35	12	,	,	PUNCT
fbem-27700	35	13	this	this	DET
fbem-27700	35	14	paper	paper	NOUN
fbem-27700	35	15	introduces	introduce	VERB
fbem-27700	35	16	the	the	DET
fbem-27700	35	17	perspective	perspective	NOUN
fbem-27700	35	18	of	of	ADP
fbem-27700	35	19	free	free	ADJ
fbem-27700	35	20	competition	competition	NOUN
fbem-27700	35	21	among	among	ADP
fbem-27700	35	22	financial	financial	ADJ
fbem-27700	35	23	institutions	institution	NOUN
fbem-27700	35	24	into	into	ADP
fbem-27700	35	25	the	the	DET
fbem-27700	35	26	rural	rural	ADJ
fbem-27700	35	27	financial	financial	ADJ
fbem-27700	35	28	market	market	NOUN
fbem-27700	35	29	in	in	ADP
fbem-27700	35	30	zhejiang	zhejiang	PROPN
fbem-27700	35	31	,	,	PUNCT
fbem-27700	35	32	exploring	explore	VERB
fbem-27700	35	33	its	its	PRON
fbem-27700	35	34	impact	impact	NOUN
fbem-27700	35	35	on	on	ADP
fbem-27700	35	36	the	the	DET
fbem-27700	35	37	rural	rural	ADJ
fbem-27700	35	38	financial	financial	ADJ
fbem-27700	35	39	market	market	NOUN
fbem-27700	35	40	in	in	ADP
fbem-27700	35	41	zhejiang	zhejiang	PROPN
fbem-27700	35	42	.	.	PUNCT
fbem-27700	36	1	this	this	PRON
fbem-27700	36	2	provides	provide	VERB
fbem-27700	36	3	valuable	valuable	ADJ
fbem-27700	36	4	experience	experience	NOUN
fbem-27700	36	5	for	for	ADP
fbem-27700	36	6	market	market	NOUN
fbem-27700	36	7	-	-	PUNCT
fbem-27700	36	8	oriented	orient	VERB
fbem-27700	36	9	reforms	reform	NOUN
fbem-27700	36	10	in	in	ADP
fbem-27700	36	11	other	other	ADJ
fbem-27700	36	12	provinces	province	NOUN
fbem-27700	36	13	across	across	ADP
fbem-27700	36	14	the	the	DET
fbem-27700	36	15	country	country	NOUN
fbem-27700	36	16	.	.	PUNCT
fbem-27700	37	1	second	second	ADV
fbem-27700	37	2	,	,	PUNCT
fbem-27700	37	3	the	the	DET
fbem-27700	37	4	paper	paper	NOUN
fbem-27700	37	5	argues	argue	VERB
fbem-27700	37	6	that	that	SCONJ
fbem-27700	37	7	the	the	DET
fbem-27700	37	8	increase	increase	NOUN
fbem-27700	37	9	in	in	ADP
fbem-27700	37	10	the	the	DET
fbem-27700	37	11	number	number	NOUN
fbem-27700	37	12	of	of	ADP
fbem-27700	37	13	loan	loan	NOUN
fbem-27700	37	14	officers	officer	NOUN
fbem-27700	37	15	intensifies	intensify	VERB
fbem-27700	37	16	the	the	DET
fbem-27700	37	17	free	free	ADJ
fbem-27700	37	18	competition	competition	NOUN
fbem-27700	37	19	among	among	ADP
fbem-27700	37	20	financial	financial	ADJ
fbem-27700	37	21	institutions	institution	NOUN
fbem-27700	37	22	,	,	PUNCT
fbem-27700	37	23	which	which	PRON
fbem-27700	37	24	in	in	ADP
fbem-27700	37	25	turn	turn	NOUN
fbem-27700	37	26	drives	drive	VERB
fbem-27700	37	27	the	the	DET
fbem-27700	37	28	marketization	marketization	NOUN
fbem-27700	37	29	of	of	ADP
fbem-27700	37	30	certain	certain	ADJ
fbem-27700	37	31	financial	financial	ADJ
fbem-27700	37	32	functions	function	NOUN
fbem-27700	37	33	.	.	PUNCT
fbem-27700	38	1	this	this	PRON
fbem-27700	38	2	promotes	promote	VERB
fbem-27700	38	3	the	the	DET
fbem-27700	38	4	dissemination	dissemination	NOUN
fbem-27700	38	5	of	of	ADP
fbem-27700	38	6	financial	financial	ADJ
fbem-27700	38	7	knowledge	knowledge	NOUN
fbem-27700	38	8	,	,	PUNCT
fbem-27700	38	9	improves	improve	VERB
fbem-27700	38	10	farmers	farmer	NOUN
fbem-27700	38	11	'	'	PART
fbem-27700	38	12	financial	financial	ADJ
fbem-27700	38	13	literacy	literacy	NOUN
fbem-27700	38	14	,	,	PUNCT
fbem-27700	38	15	reduces	reduce	VERB
fbem-27700	38	16	financial	financial	ADJ
fbem-27700	38	17	constraints	constraint	NOUN
fbem-27700	38	18	,	,	PUNCT
fbem-27700	38	19	and	and	CCONJ
fbem-27700	38	20	fosters	foster	VERB
fbem-27700	38	21	social	social	ADJ
fbem-27700	38	22	equity	equity	NOUN
fbem-27700	38	23	,	,	PUNCT
fbem-27700	38	24	thereby	thereby	ADV
fbem-27700	38	25	reflecting	reflect	VERB
fbem-27700	38	26	the	the	DET
fbem-27700	38	27	significance	significance	NOUN
fbem-27700	38	28	of	of	ADP
fbem-27700	38	29	a	a	DET
fbem-27700	38	30	demonstration	demonstration	NOUN
fbem-27700	38	31	zone	zone	NOUN
fbem-27700	38	32	for	for	ADP
fbem-27700	38	33	common	common	ADJ
fbem-27700	38	34	prosperity	prosperity	NOUN
fbem-27700	38	35	.	.	PUNCT
fbem-27700	39	1	on	on	ADP
fbem-27700	39	2	this	this	DET
fbem-27700	39	3	basis	basis	NOUN
fbem-27700	39	4	,	,	PUNCT
fbem-27700	39	5	financial	financial	ADJ
fbem-27700	39	6	institutions	institution	NOUN
fbem-27700	39	7	provide	provide	VERB
fbem-27700	39	8	more	more	ADV
fbem-27700	39	9	efficient	efficient	ADJ
fbem-27700	39	10	and	and	CCONJ
fbem-27700	39	11	convenient	convenient	ADJ
fbem-27700	39	12	financial	financial	ADJ
fbem-27700	39	13	services	service	NOUN
fbem-27700	39	14	,	,	PUNCT
fbem-27700	39	15	contributing	contribute	VERB
fbem-27700	39	16	to	to	ADP
fbem-27700	39	17	the	the	DET
fbem-27700	39	18	formation	formation	NOUN
fbem-27700	39	19	of	of	ADP
fbem-27700	39	20	a	a	DET
fbem-27700	39	21	financial	financial	ADJ
fbem-27700	39	22	ecosystem	ecosystem	NOUN
fbem-27700	39	23	.	.	PUNCT
fbem-27700	40	1	third	third	ADV
fbem-27700	40	2	,	,	PUNCT
fbem-27700	40	3	this	this	DET
fbem-27700	40	4	study	study	NOUN
fbem-27700	40	5	introduces	introduce	VERB
fbem-27700	40	6	a	a	DET
fbem-27700	40	7	spatial	spatial	ADJ
fbem-27700	40	8	econometric	econometric	ADJ
fbem-27700	40	9	perspective	perspective	NOUN
fbem-27700	40	10	using	use	VERB
fbem-27700	40	11	a	a	DET
fbem-27700	40	12	difference	difference	NOUN
fbem-27700	40	13	-	-	PUNCT
fbem-27700	40	14	in	in	ADP
fbem-27700	40	15	-	-	PUNCT
fbem-27700	40	16	differences	difference	NOUN
fbem-27700	40	17	model	model	NOUN
fbem-27700	40	18	to	to	PART
fbem-27700	40	19	examine	examine	VERB
fbem-27700	40	20	the	the	DET
fbem-27700	40	21	spatial	spatial	ADJ
fbem-27700	40	22	dynamic	dynamic	ADJ
fbem-27700	40	23	impact	impact	NOUN
fbem-27700	40	24	of	of	ADP
fbem-27700	40	25	free	free	ADJ
fbem-27700	40	26	competition	competition	NOUN
fbem-27700	40	27	among	among	ADP
fbem-27700	40	28	financial	financial	ADJ
fbem-27700	40	29	institutions	institution	NOUN
fbem-27700	40	30	on	on	ADP
fbem-27700	40	31	the	the	DET
fbem-27700	40	32	rural	rural	ADJ
fbem-27700	40	33	financial	financial	ADJ
fbem-27700	40	34	market	market	NOUN
fbem-27700	40	35	.	.	PUNCT
fbem-27700	41	1	by	by	ADP
fbem-27700	41	2	focusing	focus	VERB
fbem-27700	41	3	on	on	ADP
fbem-27700	41	4	the	the	DET
fbem-27700	41	5	cross	cross	ADJ
fbem-27700	41	6	-	-	ADJ
fbem-27700	41	7	regional	regional	ADJ
fbem-27700	41	8	competition	competition	NOUN
fbem-27700	41	9	or	or	CCONJ
fbem-27700	41	10	cross	cross	ADJ
fbem-27700	41	11	-	-	ADJ
fbem-27700	41	12	regional	regional	ADJ
fbem-27700	41	13	loan	loan	NOUN
fbem-27700	41	14	issuance	issuance	NOUN
fbem-27700	41	15	in	in	ADP
fbem-27700	41	16	zhejiang	zhejiang	PROPN
fbem-27700	41	17	province	province	PROPN
fbem-27700	41	18	,	,	PUNCT
fbem-27700	41	19	the	the	DET
fbem-27700	41	20	study	study	NOUN
fbem-27700	41	21	provides	provide	VERB
fbem-27700	41	22	strong	strong	ADJ
fbem-27700	41	23	theoretical	theoretical	ADJ
fbem-27700	41	24	and	and	CCONJ
fbem-27700	41	25	practical	practical	ADJ
fbem-27700	41	26	support	support	NOUN
fbem-27700	41	27	for	for	ADP
fbem-27700	41	28	the	the	DET
fbem-27700	41	29	empirical	empirical	ADJ
fbem-27700	41	30	findings	finding	NOUN
fbem-27700	41	31	.	.	PUNCT
fbem-27700	42	1	2	2	X
fbem-27700	42	2	.	.	X
fbem-27700	42	3	policy	policy	NOUN
fbem-27700	42	4	review	review	NOUN
fbem-27700	42	5	and	and	CCONJ
fbem-27700	42	6	research	research	NOUN
fbem-27700	42	7	hypotheses	hypothesis	NOUN
fbem-27700	42	8	2.1	2.1	NUM
fbem-27700	42	9	.	.	PUNCT
fbem-27700	43	1	policy	policy	NOUN
fbem-27700	43	2	review	review	NOUN
fbem-27700	43	3	since	since	SCONJ
fbem-27700	43	4	the	the	DET
fbem-27700	43	5	third	third	ADJ
fbem-27700	43	6	plenary	plenary	ADJ
fbem-27700	43	7	session	session	NOUN
fbem-27700	43	8	of	of	ADP
fbem-27700	43	9	the	the	DET
fbem-27700	43	10	14th	14th	ADJ
fbem-27700	43	11	central	central	ADJ
fbem-27700	43	12	committee	committee	NOUN
fbem-27700	43	13	of	of	ADP
fbem-27700	43	14	the	the	DET
fbem-27700	43	15	communist	communist	PROPN
fbem-27700	43	16	party	party	PROPN
fbem-27700	43	17	of	of	ADP
fbem-27700	43	18	china	china	PROPN
fbem-27700	43	19	,	,	PUNCT
fbem-27700	43	20	china	china	PROPN
fbem-27700	43	21	has	have	AUX
fbem-27700	43	22	placed	place	VERB
fbem-27700	43	23	significant	significant	ADJ
fbem-27700	43	24	emphasis	emphasis	NOUN
fbem-27700	43	25	on	on	ADP
fbem-27700	43	26	financial	financial	ADJ
fbem-27700	43	27	market	market	NOUN
fbem-27700	43	28	reforms	reform	NOUN
fbem-27700	43	29	,	,	PUNCT
fbem-27700	43	30	with	with	ADP
fbem-27700	43	31	interest	interest	NOUN
fbem-27700	43	32	rate	rate	NOUN
fbem-27700	43	33	marketization	marketization	NOUN
fbem-27700	43	34	being	be	AUX
fbem-27700	43	35	one	one	NUM
fbem-27700	43	36	of	of	ADP
fbem-27700	43	37	the	the	DET
fbem-27700	43	38	key	key	ADJ
fbem-27700	43	39	steps	step	NOUN
fbem-27700	43	40	(	(	PUNCT
fbem-27700	43	41	xuan	xuan	PROPN
fbem-27700	43	42	yang	yang	PROPN
fbem-27700	43	43	,	,	PUNCT
fbem-27700	43	44	2022	2022	NUM
fbem-27700	43	45	)	)	PUNCT
fbem-27700	43	46	.	.	PUNCT
fbem-27700	44	1	the	the	DET
fbem-27700	44	2	third	third	ADJ
fbem-27700	44	3	plenary	plenary	ADJ
fbem-27700	44	4	session	session	NOUN
fbem-27700	44	5	of	of	ADP
fbem-27700	44	6	the	the	DET
fbem-27700	44	7	18th	18th	ADJ
fbem-27700	44	8	central	central	ADJ
fbem-27700	44	9	committee	committee	NOUN
fbem-27700	44	10	further	far	ADV
fbem-27700	44	11	strengthened	strengthen	VERB
fbem-27700	44	12	the	the	DET
fbem-27700	44	13	focus	focus	NOUN
fbem-27700	44	14	on	on	ADP
fbem-27700	44	15	advancing	advance	VERB
fbem-27700	44	16	interest	interest	NOUN
fbem-27700	44	17	rate	rate	NOUN
fbem-27700	44	18	marketization	marketization	NOUN
fbem-27700	44	19	reforms	reform	NOUN
fbem-27700	44	20	,	,	PUNCT
fbem-27700	44	21	while	while	SCONJ
fbem-27700	44	22	the	the	DET
fbem-27700	44	23	report	report	NOUN
fbem-27700	44	24	of	of	ADP
fbem-27700	44	25	the	the	DET
fbem-27700	44	26	19th	19th	ADJ
fbem-27700	44	27	national	national	PROPN
fbem-27700	44	28	congress	congress	PROPN
fbem-27700	44	29	raised	raise	VERB
fbem-27700	44	30	further	further	ADJ
fbem-27700	44	31	requirements	requirement	NOUN
fbem-27700	44	32	for	for	ADP
fbem-27700	44	33	deepening	deepen	VERB
fbem-27700	44	34	these	these	DET
fbem-27700	44	35	reforms	reform	NOUN
fbem-27700	44	36	,	,	PUNCT
fbem-27700	44	37	reflecting	reflect	VERB
fbem-27700	44	38	the	the	DET
fbem-27700	44	39	government	government	NOUN
fbem-27700	44	40	's	's	PART
fbem-27700	44	41	firm	firm	ADJ
fbem-27700	44	42	determination	determination	NOUN
fbem-27700	44	43	and	and	CCONJ
fbem-27700	44	44	efforts	effort	NOUN
fbem-27700	44	45	in	in	ADP
fbem-27700	44	46	this	this	DET
fbem-27700	44	47	area	area	NOUN
fbem-27700	44	48	(	(	PUNCT
fbem-27700	44	49	liang	liang	PROPN
fbem-27700	44	50	si	si	PROPN
fbem-27700	44	51	,	,	PUNCT
fbem-27700	44	52	2022	2022	NUM
fbem-27700	44	53	)	)	PUNCT
fbem-27700	44	54	.	.	PUNCT
fbem-27700	45	1	for	for	ADP
fbem-27700	45	2	instance	instance	NOUN
fbem-27700	45	3	,	,	PUNCT
fbem-27700	45	4	regarding	regard	VERB
fbem-27700	45	5	loan	loan	NOUN
fbem-27700	45	6	interest	interest	NOUN
fbem-27700	45	7	rates	rate	NOUN
fbem-27700	45	8	,	,	PUNCT
fbem-27700	45	9	after	after	ADP
fbem-27700	45	10	multiple	multiple	ADJ
fbem-27700	45	11	adjustments	adjustment	NOUN
fbem-27700	45	12	by	by	ADP
fbem-27700	45	13	the	the	DET
fbem-27700	45	14	people	people	NOUN
fbem-27700	45	15	's	's	PART
fbem-27700	45	16	bank	bank	PROPN
fbem-27700	45	17	of	of	ADP
fbem-27700	45	18	china	china	PROPN
fbem-27700	45	19	,	,	PUNCT
fbem-27700	45	20	the	the	DET
fbem-27700	45	21	upper	upper	ADJ
fbem-27700	45	22	limit	limit	NOUN
fbem-27700	45	23	of	of	ADP
fbem-27700	45	24	loan	loan	NOUN
fbem-27700	45	25	interest	interest	NOUN
fbem-27700	45	26	rates	rate	NOUN
fbem-27700	45	27	was	be	AUX
fbem-27700	45	28	fully	fully	ADV
fbem-27700	45	29	deregulated	deregulate	VERB
fbem-27700	45	30	in	in	ADP
fbem-27700	45	31	october	october	PROPN
fbem-27700	45	32	2004	2004	NUM
fbem-27700	45	33	,	,	PUNCT
fbem-27700	45	34	and	and	CCONJ
fbem-27700	45	35	by	by	ADP
fbem-27700	45	36	july	july	PROPN
fbem-27700	45	37	2013	2013	NUM
fbem-27700	45	38	,	,	PUNCT
fbem-27700	45	39	the	the	DET
fbem-27700	45	40	lower	low	ADJ
fbem-27700	45	41	limit	limit	NOUN
fbem-27700	45	42	was	be	AUX
fbem-27700	45	43	also	also	ADV
fbem-27700	45	44	completely	completely	ADV
fbem-27700	45	45	lifted	lift	VERB
fbem-27700	45	46	(	(	PUNCT
fbem-27700	45	47	liu	liu	PROPN
fbem-27700	45	48	xichuan	xichuan	PROPN
fbem-27700	45	49	,	,	PUNCT
fbem-27700	45	50	2014	2014	NUM
fbem-27700	45	51	)	)	PUNCT
fbem-27700	45	52	.	.	PUNCT
fbem-27700	46	1	however	however	ADV
fbem-27700	46	2	,	,	PUNCT
fbem-27700	46	3	the	the	DET
fbem-27700	46	4	establishment	establishment	NOUN
fbem-27700	46	5	of	of	ADP
fbem-27700	46	6	financial	financial	ADJ
fbem-27700	46	7	institutions	institution	NOUN
fbem-27700	46	8	and	and	CCONJ
fbem-27700	46	9	market	market	NOUN
fbem-27700	46	10	access	access	NOUN
fbem-27700	46	11	have	have	AUX
fbem-27700	46	12	been	be	AUX
fbem-27700	46	13	strictly	strictly	ADV
fbem-27700	46	14	controlled	control	VERB
fbem-27700	46	15	by	by	ADP
fbem-27700	46	16	government	government	NOUN
fbem-27700	46	17	-	-	PUNCT
fbem-27700	46	18	issued	issue	VERB
fbem-27700	46	19	licenses	license	NOUN
fbem-27700	46	20	.	.	PUNCT
fbem-27700	47	1	with	with	ADP
fbem-27700	47	2	the	the	DET
fbem-27700	47	3	establishment	establishment	NOUN
fbem-27700	47	4	of	of	ADP
fbem-27700	47	5	a	a	DET
fbem-27700	47	6	market	market	NOUN
fbem-27700	47	7	economy	economy	NOUN
fbem-27700	47	8	,	,	PUNCT
fbem-27700	47	9	financial	financial	ADJ
fbem-27700	47	10	regulation	regulation	NOUN
fbem-27700	47	11	gradually	gradually	ADV
fbem-27700	47	12	loosened	loosen	VERB
fbem-27700	47	13	,	,	PUNCT
fbem-27700	47	14	and	and	CCONJ
fbem-27700	47	15	financial	financial	ADJ
fbem-27700	47	16	institutions	institution	NOUN
fbem-27700	47	17	began	begin	VERB
fbem-27700	47	18	to	to	PART
fbem-27700	47	19	move	move	VERB
fbem-27700	47	20	towards	towards	ADP
fbem-27700	47	21	marketization	marketization	NOUN
fbem-27700	47	22	,	,	PUNCT
fbem-27700	47	23	including	include	VERB
fbem-27700	47	24	those	those	PRON
fbem-27700	47	25	in	in	ADP
fbem-27700	47	26	the	the	DET
fbem-27700	47	27	rural	rural	ADJ
fbem-27700	47	28	financial	financial	ADJ
fbem-27700	47	29	market	market	NOUN
fbem-27700	47	30	.	.	PUNCT
fbem-27700	48	1	local	local	ADJ
fbem-27700	48	2	legalperson	legalperson	ADJ
fbem-27700	48	3	financial	financial	ADJ
fbem-27700	48	4	institutions	institution	NOUN
fbem-27700	48	5	,	,	PUNCT
fbem-27700	48	6	such	such	ADJ
fbem-27700	48	7	as	as	ADP
fbem-27700	48	8	rural	rural	ADJ
fbem-27700	48	9	credit	credit	NOUN
fbem-27700	48	10	cooperatives	cooperative	NOUN
fbem-27700	48	11	,	,	PUNCT
fbem-27700	48	12	have	have	AUX
fbem-27700	48	13	long	long	ADV
fbem-27700	48	14	existed	exist	VERB
fbem-27700	48	15	,	,	PUNCT
fbem-27700	48	16	directly	directly	ADV
fbem-27700	48	17	leading	lead	VERB
fbem-27700	48	18	to	to	ADP
fbem-27700	48	19	a	a	DET
fbem-27700	48	20	reduced	reduce	VERB
fbem-27700	48	21	number	number	NOUN
fbem-27700	48	22	of	of	ADP
fbem-27700	48	23	rural	rural	ADJ
fbem-27700	48	24	financial	financial	ADJ
fbem-27700	48	25	institutions	institution	NOUN
fbem-27700	48	26	and	and	CCONJ
fbem-27700	48	27	insufficient	insufficient	ADJ
fbem-27700	48	28	competition	competition	NOUN
fbem-27700	48	29	(	(	PUNCT
fbem-27700	48	30	huang	huang	PROPN
fbem-27700	48	31	yiping	yiping	PROPN
fbem-27700	48	32	,	,	PUNCT
fbem-27700	48	33	2018	2018	NUM
fbem-27700	48	34	)	)	PUNCT
fbem-27700	48	35	.	.	PUNCT
fbem-27700	49	1	to	to	PART
fbem-27700	49	2	improve	improve	VERB
fbem-27700	49	3	issues	issue	NOUN
fbem-27700	49	4	such	such	ADJ
fbem-27700	49	5	as	as	ADP
fbem-27700	49	6	the	the	DET
fbem-27700	49	7	low	low	ADJ
fbem-27700	49	8	coverage	coverage	NOUN
fbem-27700	49	9	of	of	ADP
fbem-27700	49	10	rural	rural	ADJ
fbem-27700	49	11	bank	bank	NOUN
fbem-27700	49	12	branches	branch	NOUN
fbem-27700	49	13	and	and	CCONJ
fbem-27700	49	14	scarce	scarce	ADJ
fbem-27700	49	15	financial	financial	ADJ
fbem-27700	49	16	resources	resource	NOUN
fbem-27700	49	17	,	,	PUNCT
fbem-27700	49	18	the	the	DET
fbem-27700	49	19	former	former	ADJ
fbem-27700	49	20	china	china	PROPN
fbem-27700	49	21	banking	banking	PROPN
fbem-27700	49	22	regulatory	regulatory	ADJ
fbem-27700	49	23	commission	commission	PROPN
fbem-27700	49	24	(	(	PUNCT
fbem-27700	49	25	cbrc	cbrc	NOUN
fbem-27700	49	26	)	)	PUNCT
fbem-27700	49	27	issued	issue	VERB
fbem-27700	49	28	"	"	PUNCT
fbem-27700	49	29	opinions	opinion	NOUN
fbem-27700	49	30	"	"	PUNCT
fbem-27700	49	31	at	at	ADP
fbem-27700	49	32	the	the	DET
fbem-27700	49	33	end	end	NOUN
fbem-27700	49	34	of	of	ADP
fbem-27700	49	35	2006	2006	NUM
fbem-27700	49	36	to	to	PART
fbem-27700	49	37	lower	lower	VERB
fbem-27700	49	38	the	the	DET
fbem-27700	49	39	entry	entry	NOUN
fbem-27700	49	40	barriers	barrier	NOUN
fbem-27700	49	41	for	for	ADP
fbem-27700	49	42	rural	rural	ADJ
fbem-27700	49	43	financial	financial	ADJ
fbem-27700	49	44	institutions	institution	NOUN
fbem-27700	49	45	,	,	PUNCT
fbem-27700	49	46	increase	increase	VERB
fbem-27700	49	47	market	market	NOUN
fbem-27700	49	48	competition	competition	NOUN
fbem-27700	49	49	,	,	PUNCT
fbem-27700	49	50	and	and	CCONJ
fbem-27700	49	51	stimulate	stimulate	VERB
fbem-27700	49	52	the	the	DET
fbem-27700	49	53	rural	rural	ADJ
fbem-27700	49	54	financial	financial	ADJ
fbem-27700	49	55	market	market	NOUN
fbem-27700	49	56	.	.	PUNCT
fbem-27700	50	1	in	in	ADP
fbem-27700	50	2	this	this	DET
fbem-27700	50	3	competitive	competitive	ADJ
fbem-27700	50	4	environment	environment	NOUN
fbem-27700	50	5	,	,	PUNCT
fbem-27700	50	6	price	price	NOUN
fbem-27700	50	7	has	have	AUX
fbem-27700	50	8	become	become	VERB
fbem-27700	50	9	a	a	DET
fbem-27700	50	10	key	key	ADJ
fbem-27700	50	11	factor	factor	NOUN
fbem-27700	50	12	in	in	ADP
fbem-27700	50	13	incentivizing	incentivize	VERB
fbem-27700	50	14	the	the	DET
fbem-27700	50	15	supply	supply	NOUN
fbem-27700	50	16	of	of	ADP
fbem-27700	50	17	products	product	NOUN
fbem-27700	50	18	and	and	CCONJ
fbem-27700	50	19	services	service	NOUN
fbem-27700	50	20	.	.	PUNCT
fbem-27700	51	1	at	at	ADP
fbem-27700	51	2	present	present	ADJ
fbem-27700	51	3	,	,	PUNCT
fbem-27700	51	4	rural	rural	ADJ
fbem-27700	51	5	credit	credit	NOUN
fbem-27700	51	6	cooperatives	cooperative	NOUN
fbem-27700	51	7	still	still	ADV
fbem-27700	51	8	have	have	VERB
fbem-27700	51	9	significant	significant	ADJ
fbem-27700	51	10	room	room	NOUN
fbem-27700	51	11	for	for	ADP
fbem-27700	51	12	interest	interest	NOUN
fbem-27700	51	13	rate	rate	NOUN
fbem-27700	51	14	regulation	regulation	NOUN
fbem-27700	51	15	and	and	CCONJ
fbem-27700	51	16	need	need	VERB
fbem-27700	51	17	to	to	PART
fbem-27700	51	18	implement	implement	VERB
fbem-27700	51	19	differentiated	differentiated	ADJ
fbem-27700	51	20	pricing	pricing	NOUN
fbem-27700	51	21	strategies	strategy	NOUN
fbem-27700	51	22	.	.	PUNCT
fbem-27700	52	1	only	only	ADV
fbem-27700	52	2	when	when	SCONJ
fbem-27700	52	3	financial	financial	ADJ
fbem-27700	52	4	institutions	institution	NOUN
fbem-27700	52	5	are	be	AUX
fbem-27700	52	6	able	able	ADJ
fbem-27700	52	7	to	to	PART
fbem-27700	52	8	adjust	adjust	VERB
fbem-27700	52	9	loan	loan	NOUN
fbem-27700	52	10	interest	interest	NOUN
fbem-27700	52	11	rates	rate	NOUN
fbem-27700	52	12	flexibly	flexibly	ADV
fbem-27700	52	13	to	to	PART
fbem-27700	52	14	cover	cover	VERB
fbem-27700	52	15	credit	credit	NOUN
fbem-27700	52	16	risks	risk	NOUN
fbem-27700	52	17	and	and	CCONJ
fbem-27700	52	18	costs	cost	NOUN
fbem-27700	52	19	can	can	AUX
fbem-27700	52	20	they	they	PRON
fbem-27700	52	21	effectively	effectively	ADV
fbem-27700	52	22	serve	serve	VERB
fbem-27700	52	23	rural	rural	ADJ
fbem-27700	52	24	clients	client	NOUN
fbem-27700	52	25	.	.	PUNCT
fbem-27700	53	1	therefore	therefore	ADV
fbem-27700	53	2	,	,	PUNCT
fbem-27700	53	3	this	this	DET
fbem-27700	53	4	study	study	NOUN
fbem-27700	53	5	selects	select	VERB
fbem-27700	53	6	2013	2013	NUM
fbem-27700	53	7	as	as	ADP
fbem-27700	53	8	the	the	DET
fbem-27700	53	9	point	point	NOUN
fbem-27700	53	10	in	in	ADP
fbem-27700	53	11	time	time	NOUN
fbem-27700	53	12	when	when	SCONJ
fbem-27700	53	13	the	the	DET
fbem-27700	53	14	reform	reform	NOUN
fbem-27700	53	15	towards	towards	ADP
fbem-27700	53	16	free	free	ADJ
fbem-27700	53	17	competition	competition	NOUN
fbem-27700	53	18	among	among	ADP
fbem-27700	53	19	financial	financial	ADJ
fbem-27700	53	20	institutions	institution	NOUN
fbem-27700	53	21	was	be	AUX
fbem-27700	53	22	largely	largely	ADV
fbem-27700	53	23	completed	complete	VERB
fbem-27700	53	24	,	,	PUNCT
fbem-27700	53	25	and	and	CCONJ
fbem-27700	53	26	investigates	investigate	VERB
fbem-27700	53	27	the	the	DET
fbem-27700	53	28	impact	impact	NOUN
fbem-27700	53	29	of	of	ADP
fbem-27700	53	30	this	this	DET
fbem-27700	53	31	competition	competition	NOUN
fbem-27700	53	32	on	on	ADP
fbem-27700	53	33	farmers	farmer	NOUN
fbem-27700	53	34	'	'	PART
fbem-27700	53	35	credit	credit	NOUN
fbem-27700	53	36	accessibility	accessibility	NOUN
fbem-27700	53	37	.	.	PUNCT
fbem-27700	54	1	2.2	2.2	NUM
fbem-27700	54	2	.	.	PUNCT
fbem-27700	55	1	theoretical	theoretical	ADJ
fbem-27700	55	2	hypotheses	hypothesis	NOUN
fbem-27700	55	3	2.2.1	2.2.1	NUM
fbem-27700	55	4	.	.	PUNCT
fbem-27700	55	5	free	free	ADJ
fbem-27700	55	6	competition	competition	NOUN
fbem-27700	55	7	among	among	ADP
fbem-27700	55	8	financial	financial	ADJ
fbem-27700	55	9	institutions	institution	NOUN
fbem-27700	55	10	and	and	CCONJ
fbem-27700	55	11	farmers	farmer	NOUN
fbem-27700	55	12	'	'	PART
fbem-27700	55	13	credit	credit	NOUN
fbem-27700	55	14	accessibility	accessibility	NOUN
fbem-27700	55	15	free	free	ADJ
fbem-27700	55	16	competition	competition	NOUN
fbem-27700	55	17	among	among	ADP
fbem-27700	55	18	financial	financial	ADJ
fbem-27700	55	19	institutions	institution	NOUN
fbem-27700	55	20	is	be	AUX
fbem-27700	55	21	primarily	primarily	ADV
fbem-27700	55	22	achieved	achieve	VERB
fbem-27700	55	23	through	through	ADP
fbem-27700	55	24	the	the	DET
fbem-27700	55	25	relaxation	relaxation	NOUN
fbem-27700	55	26	of	of	ADP
fbem-27700	55	27	interest	interest	NOUN
fbem-27700	55	28	rate	rate	NOUN
fbem-27700	55	29	restrictions	restriction	NOUN
fbem-27700	55	30	and	and	CCONJ
fbem-27700	55	31	the	the	DET
fbem-27700	55	32	lowering	lowering	NOUN
fbem-27700	55	33	of	of	ADP
fbem-27700	55	34	market	market	NOUN
fbem-27700	55	35	entry	entry	NOUN
fbem-27700	55	36	barriers	barrier	NOUN
fbem-27700	55	37	for	for	ADP
fbem-27700	55	38	financial	financial	ADJ
fbem-27700	55	39	institutions	institution	NOUN
fbem-27700	55	40	.	.	PUNCT
fbem-27700	56	1	china	china	PROPN
fbem-27700	56	2	's	's	PART
fbem-27700	56	3	rural	rural	ADJ
fbem-27700	56	4	financial	financial	ADJ
fbem-27700	56	5	system	system	NOUN
fbem-27700	56	6	has	have	AUX
fbem-27700	56	7	been	be	AUX
fbem-27700	56	8	largely	largely	ADV
fbem-27700	56	9	established	establish	VERB
fbem-27700	56	10	,	,	PUNCT
fbem-27700	56	11	with	with	ADP
fbem-27700	56	12	formal	formal	ADJ
fbem-27700	56	13	financial	financial	ADJ
fbem-27700	56	14	institutions	institution	NOUN
fbem-27700	56	15	forming	form	VERB
fbem-27700	56	16	the	the	DET
fbem-27700	56	17	core	core	NOUN
fbem-27700	56	18	,	,	PUNCT
fbem-27700	56	19	and	and	CCONJ
fbem-27700	56	20	effective	effective	ADJ
fbem-27700	56	21	division	division	NOUN
fbem-27700	56	22	of	of	ADP
fbem-27700	56	23	labor	labor	NOUN
fbem-27700	56	24	and	and	CCONJ
fbem-27700	56	25	cooperation	cooperation	NOUN
fbem-27700	56	26	between	between	ADP
fbem-27700	56	27	formal	formal	ADJ
fbem-27700	56	28	and	and	CCONJ
fbem-27700	56	29	informal	informal	ADJ
fbem-27700	56	30	financial	financial	ADJ
fbem-27700	56	31	sectors	sector	NOUN
fbem-27700	56	32	.	.	PUNCT
fbem-27700	57	1	among	among	ADP
fbem-27700	57	2	them	they	PRON
fbem-27700	57	3	,	,	PUNCT
fbem-27700	57	4	formal	formal	ADJ
fbem-27700	57	5	financial	financial	ADJ
fbem-27700	57	6	institutions	institution	NOUN
fbem-27700	57	7	include	include	VERB
fbem-27700	57	8	rural	rural	ADJ
fbem-27700	57	9	branches	branch	NOUN
fbem-27700	57	10	of	of	ADP
fbem-27700	57	11	state	state	NOUN
fbem-27700	57	12	-	-	PUNCT
fbem-27700	57	13	owned	own	VERB
fbem-27700	57	14	commercial	commercial	ADJ
fbem-27700	57	15	banks	bank	NOUN
fbem-27700	57	16	,	,	PUNCT
fbem-27700	57	17	rural	rural	ADJ
fbem-27700	57	18	credit	credit	NOUN
fbem-27700	57	19	cooperatives	cooperative	NOUN
fbem-27700	57	20	,	,	PUNCT
fbem-27700	57	21	and	and	CCONJ
fbem-27700	57	22	the	the	DET
fbem-27700	57	23	agricultural	agricultural	PROPN
fbem-27700	57	24	development	development	PROPN
fbem-27700	57	25	bank	bank	PROPN
fbem-27700	57	26	.	.	PUNCT
fbem-27700	58	1	in	in	ADP
fbem-27700	58	2	recent	recent	ADJ
fbem-27700	58	3	years	year	NOUN
fbem-27700	58	4	,	,	PUNCT
fbem-27700	58	5	the	the	DET
fbem-27700	58	6	postal	postal	ADJ
fbem-27700	58	7	savings	savings	PROPN
fbem-27700	58	8	bank	bank	PROPN
fbem-27700	58	9	and	and	CCONJ
fbem-27700	58	10	other	other	ADJ
fbem-27700	58	11	new	new	ADJ
fbem-27700	58	12	financial	financial	ADJ
fbem-27700	58	13	institutions	institution	NOUN
fbem-27700	58	14	have	have	AUX
fbem-27700	58	15	also	also	ADV
fbem-27700	58	16	started	start	VERB
fbem-27700	58	17	to	to	PART
fbem-27700	58	18	participate	participate	VERB
fbem-27700	58	19	.	.	PUNCT
fbem-27700	59	1	the	the	DET
fbem-27700	59	2	informal	informal	ADJ
fbem-27700	59	3	financial	financial	ADJ
fbem-27700	59	4	sector	sector	NOUN
fbem-27700	59	5	includes	include	VERB
fbem-27700	59	6	private	private	ADJ
fbem-27700	59	7	lending	lending	NOUN
fbem-27700	59	8	,	,	PUNCT
fbem-27700	59	9	rural	rural	ADJ
fbem-27700	59	10	cooperative	cooperative	ADJ
fbem-27700	59	11	funds	fund	NOUN
fbem-27700	59	12	,	,	PUNCT
fbem-27700	59	13	private	private	ADJ
fbem-27700	59	14	money	money	NOUN
fbem-27700	59	15	houses	house	NOUN
fbem-27700	59	16	,	,	PUNCT
fbem-27700	59	17	etc	etc	X
fbem-27700	59	18	.	.	X
fbem-27700	59	19	in	in	ADP
fbem-27700	59	20	the	the	DET
fbem-27700	59	21	context	context	NOUN
fbem-27700	59	22	of	of	ADP
fbem-27700	59	23	an	an	DET
fbem-27700	59	24	underdeveloped	underdeveloped	ADJ
fbem-27700	59	25	capital	capital	NOUN
fbem-27700	59	26	market	market	NOUN
fbem-27700	59	27	,	,	PUNCT
fbem-27700	59	28	free	free	ADJ
fbem-27700	59	29	competition	competition	NOUN
fbem-27700	59	30	among	among	ADP
fbem-27700	59	31	financial	financial	ADJ
fbem-27700	59	32	institutions	institution	NOUN
fbem-27700	59	33	is	be	AUX
fbem-27700	59	34	mainly	mainly	ADV
fbem-27700	59	35	reflected	reflect	VERB
fbem-27700	59	36	in	in	ADP
fbem-27700	59	37	the	the	DET
fbem-27700	59	38	influence	influence	NOUN
fbem-27700	59	39	of	of	ADP
fbem-27700	59	40	formal	formal	ADJ
fbem-27700	59	41	credit	credit	NOUN
fbem-27700	59	42	channels	channel	NOUN
fbem-27700	59	43	.	.	PUNCT
fbem-27700	60	1	specifically	specifically	ADV
fbem-27700	60	2	,	,	PUNCT
fbem-27700	60	3	in	in	ADP
fbem-27700	60	4	the	the	DET
fbem-27700	60	5	rural	rural	ADJ
fbem-27700	60	6	financial	financial	ADJ
fbem-27700	60	7	market	market	NOUN
fbem-27700	60	8	,	,	PUNCT
fbem-27700	60	9	the	the	DET
fbem-27700	60	10	agricultural	agricultural	PROPN
fbem-27700	60	11	development	development	PROPN
fbem-27700	60	12	bank	bank	PROPN
fbem-27700	60	13	mainly	mainly	ADV
fbem-27700	60	14	provides	provide	VERB
fbem-27700	60	15	policy	policy	NOUN
fbem-27700	60	16	-	-	PUNCT
fbem-27700	60	17	based	base	VERB
fbem-27700	60	18	loans	loan	NOUN
fbem-27700	60	19	for	for	ADP
fbem-27700	60	20	grain	grain	NOUN
fbem-27700	60	21	purchasing	purchasing	NOUN
fbem-27700	60	22	,	,	PUNCT
fbem-27700	60	23	while	while	SCONJ
fbem-27700	60	24	the	the	DET
fbem-27700	60	25	postal	postal	ADJ
fbem-27700	60	26	savings	saving	NOUN
fbem-27700	60	27	bank	bank	NOUN
fbem-27700	60	28	,	,	PUNCT
fbem-27700	60	29	before	before	ADP
fbem-27700	60	30	the	the	DET
fbem-27700	60	31	reform	reform	NOUN
fbem-27700	60	32	,	,	PUNCT
fbem-27700	60	33	was	be	AUX
fbem-27700	60	34	limited	limit	VERB
fbem-27700	60	35	to	to	PART
fbem-27700	60	36	deposit	deposit	VERB
fbem-27700	60	37	collection	collection	NOUN
fbem-27700	60	38	and	and	CCONJ
fbem-27700	60	39	did	do	AUX
fbem-27700	60	40	not	not	PART
fbem-27700	60	41	engage	engage	VERB
fbem-27700	60	42	in	in	ADP
fbem-27700	60	43	loan	loan	NOUN
fbem-27700	60	44	operations	operation	NOUN
fbem-27700	60	45	.	.	PUNCT
fbem-27700	61	1	another	another	DET
fbem-27700	61	2	key	key	ADJ
fbem-27700	61	3	supplier	supplier	NOUN
fbem-27700	61	4	in	in	ADP
fbem-27700	61	5	the	the	DET
fbem-27700	61	6	rural	rural	ADJ
fbem-27700	61	7	market	market	NOUN
fbem-27700	61	8	is	be	AUX
fbem-27700	61	9	new	new	ADJ
fbem-27700	61	10	financial	financial	ADJ
fbem-27700	61	11	institutions	institution	NOUN
fbem-27700	61	12	,	,	PUNCT
fbem-27700	61	13	which	which	PRON
fbem-27700	61	14	,	,	PUNCT
fbem-27700	61	15	compared	compare	VERB
fbem-27700	61	16	to	to	ADP
fbem-27700	61	17	traditional	traditional	ADJ
fbem-27700	61	18	financial	financial	ADJ
fbem-27700	61	19	institutions	institution	NOUN
fbem-27700	61	20	,	,	PUNCT
fbem-27700	61	21	have	have	AUX
fbem-27700	61	22	established	establish	VERB
fbem-27700	61	23	more	more	ADV
fbem-27700	61	24	flexible	flexible	ADJ
fbem-27700	61	25	interest	interest	NOUN
fbem-27700	61	26	rate	rate	NOUN
fbem-27700	61	27	pricing	pricing	NOUN
fbem-27700	61	28	systems	system	NOUN
fbem-27700	61	29	and	and	CCONJ
fbem-27700	61	30	can	can	AUX
fbem-27700	61	31	more	more	ADV
fbem-27700	61	32	quickly	quickly	ADV
fbem-27700	61	33	and	and	CCONJ
fbem-27700	61	34	effectively	effectively	ADV
fbem-27700	61	35	offer	offer	VERB
fbem-27700	61	36	loans	loan	NOUN
fbem-27700	61	37	to	to	ADP
fbem-27700	61	38	farmers	farmer	NOUN
fbem-27700	61	39	.	.	PUNCT
fbem-27700	62	1	interest	interest	NOUN
fbem-27700	62	2	rate	rate	NOUN
fbem-27700	62	3	marketization	marketization	NOUN
fbem-27700	62	4	has	have	AUX
fbem-27700	62	5	facilitated	facilitate	VERB
fbem-27700	62	6	the	the	DET
fbem-27700	62	7	formation	formation	NOUN
fbem-27700	62	8	of	of	ADP
fbem-27700	62	9	a	a	DET
fbem-27700	62	10	competitive	competitive	ADJ
fbem-27700	62	11	landscape	landscape	NOUN
fbem-27700	62	12	in	in	ADP
fbem-27700	62	13	the	the	DET
fbem-27700	62	14	banking	banking	NOUN
fbem-27700	62	15	sector	sector	NOUN
fbem-27700	62	16	,	,	PUNCT
fbem-27700	62	17	shifting	shift	VERB
fbem-27700	62	18	the	the	DET
fbem-27700	62	19	focus	focus	NOUN
fbem-27700	62	20	of	of	ADP
fbem-27700	62	21	competition	competition	NOUN
fbem-27700	62	22	from	from	ADP
fbem-27700	62	23	institutional	institutional	ADJ
fbem-27700	62	24	expansion	expansion	NOUN
fbem-27700	62	25	to	to	PART
fbem-27700	62	26	price	price	NOUN
fbem-27700	62	27	competition	competition	NOUN
fbem-27700	62	28	(	(	PUNCT
fbem-27700	62	29	zhang	zhang	PROPN
fbem-27700	62	30	zong	zong	PROPN
fbem-27700	62	31	-	-	PUNCT
fbem-27700	62	32	yi	yi	PROPN
fbem-27700	62	33	et	et	PROPN
fbem-27700	62	34	al	al	PROPN
fbem-27700	62	35	.	.	PROPN
fbem-27700	62	36	,	,	PUNCT
fbem-27700	62	37	2012	2012	NUM
fbem-27700	62	38	)	)	PUNCT
fbem-27700	62	39	.	.	PUNCT
fbem-27700	63	1	in	in	ADP
fbem-27700	63	2	terms	term	NOUN
fbem-27700	63	3	of	of	ADP
fbem-27700	63	4	credit	credit	NOUN
fbem-27700	63	5	structure	structure	NOUN
fbem-27700	63	6	adjustment	adjustment	NOUN
fbem-27700	63	7	,	,	PUNCT
fbem-27700	63	8	intensified	intensify	VERB
fbem-27700	63	9	competition	competition	NOUN
fbem-27700	63	10	in	in	ADP
fbem-27700	63	11	the	the	DET
fbem-27700	63	12	banking	banking	NOUN
fbem-27700	63	13	sector	sector	NOUN
fbem-27700	63	14	has	have	AUX
fbem-27700	63	15	driven	drive	VERB
fbem-27700	63	16	a	a	DET
fbem-27700	63	17	shift	shift	NOUN
fbem-27700	63	18	from	from	ADP
fbem-27700	63	19	a	a	DET
fbem-27700	63	20	model	model	NOUN
fbem-27700	63	21	primarily	primarily	ADV
fbem-27700	63	22	focused	focus	VERB
fbem-27700	63	23	on	on	ADP
fbem-27700	63	24	corporate	corporate	ADJ
fbem-27700	63	25	commercial	commercial	ADJ
fbem-27700	63	26	loans	loan	NOUN
fbem-27700	63	27	and	and	CCONJ
fbem-27700	63	28	collateralized	collateralized	ADJ
fbem-27700	63	29	loans	loan	NOUN
fbem-27700	63	30	to	to	ADP
fbem-27700	63	31	strategies	strategy	NOUN
fbem-27700	63	32	that	that	PRON
fbem-27700	63	33	more	more	ADV
fbem-27700	63	34	frequently	frequently	ADV
fbem-27700	63	35	offer	offer	VERB
fbem-27700	63	36	consumer	consumer	NOUN
fbem-27700	63	37	and	and	CCONJ
fbem-27700	63	38	credit	credit	NOUN
fbem-27700	63	39	345	345	NUM
fbem-27700	63	40	loans	loan	NOUN
fbem-27700	63	41	,	,	PUNCT
fbem-27700	63	42	seeking	seek	VERB
fbem-27700	63	43	higher	high	ADJ
fbem-27700	63	44	marginal	marginal	ADJ
fbem-27700	63	45	profits	profit	NOUN
fbem-27700	63	46	(	(	PUNCT
fbem-27700	64	1	liu	liu	PROPN
fbem-27700	64	2	li	li	PROPN
fbem-27700	64	3	-	-	PROPN
fbem-27700	64	4	ya	ya	PROPN
fbem-27700	64	5	et	et	PROPN
fbem-27700	64	6	al	al	PROPN
fbem-27700	64	7	.	.	PROPN
fbem-27700	64	8	,	,	PUNCT
fbem-27700	64	9	2017	2017	NUM
fbem-27700	64	10	)	)	PUNCT
fbem-27700	64	11	.	.	PUNCT
fbem-27700	65	1	regarding	regard	VERB
fbem-27700	65	2	lending	lending	NOUN
fbem-27700	65	3	conditions	condition	NOUN
fbem-27700	65	4	,	,	PUNCT
fbem-27700	65	5	interest	interest	NOUN
fbem-27700	65	6	rate	rate	NOUN
fbem-27700	65	7	marketization	marketization	NOUN
fbem-27700	65	8	has	have	AUX
fbem-27700	65	9	enabled	enable	VERB
fbem-27700	65	10	banks	bank	NOUN
fbem-27700	65	11	to	to	PART
fbem-27700	65	12	relax	relax	VERB
fbem-27700	65	13	asset	asset	NOUN
fbem-27700	65	14	collateral	collateral	NOUN
fbem-27700	65	15	requirements	requirement	NOUN
fbem-27700	65	16	for	for	ADP
fbem-27700	65	17	small	small	ADJ
fbem-27700	65	18	and	and	CCONJ
fbem-27700	65	19	medium	medium	ADJ
fbem-27700	65	20	-	-	PUNCT
fbem-27700	65	21	sized	sized	ADJ
fbem-27700	65	22	enterprises	enterprise	NOUN
fbem-27700	65	23	(	(	PUNCT
fbem-27700	65	24	smes	sme	NOUN
fbem-27700	65	25	)	)	PUNCT
fbem-27700	65	26	and	and	CCONJ
fbem-27700	65	27	improved	improve	VERB
fbem-27700	65	28	efficiency	efficiency	NOUN
fbem-27700	65	29	in	in	ADP
fbem-27700	65	30	identifying	identify	VERB
fbem-27700	65	31	and	and	CCONJ
fbem-27700	65	32	supervising	supervise	VERB
fbem-27700	65	33	loan	loan	NOUN
fbem-27700	65	34	applicants	applicant	NOUN
fbem-27700	65	35	(	(	PUNCT
fbem-27700	65	36	wang	wang	PROPN
fbem-27700	65	37	dong	dong	PROPN
fbem-27700	65	38	-	-	PUNCT
fbem-27700	65	39	jing	jing	PROPN
fbem-27700	65	40	,	,	PUNCT
fbem-27700	65	41	2007	2007	NUM
fbem-27700	65	42	)	)	PUNCT
fbem-27700	65	43	.	.	PUNCT
fbem-27700	66	1	in	in	ADP
fbem-27700	66	2	terms	term	NOUN
fbem-27700	66	3	of	of	ADP
fbem-27700	66	4	pricing	pricing	NOUN
fbem-27700	66	5	autonomy	autonomy	NOUN
fbem-27700	66	6	,	,	PUNCT
fbem-27700	66	7	interest	interest	NOUN
fbem-27700	66	8	rate	rate	NOUN
fbem-27700	66	9	marketization	marketization	NOUN
fbem-27700	66	10	enhances	enhance	VERB
fbem-27700	66	11	banks	bank	NOUN
fbem-27700	66	12	'	'	PART
fbem-27700	66	13	ability	ability	NOUN
fbem-27700	66	14	to	to	PART
fbem-27700	66	15	price	price	VERB
fbem-27700	66	16	credit	credit	NOUN
fbem-27700	66	17	risk	risk	NOUN
fbem-27700	66	18	(	(	PUNCT
fbem-27700	66	19	zhao	zhao	PROPN
fbem-27700	66	20	ping	ping	PROPN
fbem-27700	66	21	and	and	CCONJ
fbem-27700	66	22	yao	yao	PROPN
fbem-27700	66	23	yao	yao	PROPN
fbem-27700	66	24	-	-	PUNCT
fbem-27700	66	25	jun	jun	PROPN
fbem-27700	66	26	,	,	PUNCT
fbem-27700	66	27	2022	2022	NUM
fbem-27700	66	28	)	)	PUNCT
fbem-27700	66	29	,	,	PUNCT
fbem-27700	66	30	and	and	CCONJ
fbem-27700	66	31	in	in	ADP
fbem-27700	66	32	terms	term	NOUN
fbem-27700	66	33	of	of	ADP
fbem-27700	66	34	risk	risk	NOUN
fbem-27700	66	35	-	-	PUNCT
fbem-27700	66	36	bearing	bearing	NOUN
fbem-27700	66	37	,	,	PUNCT
fbem-27700	66	38	promoting	promote	VERB
fbem-27700	66	39	interest	interest	NOUN
fbem-27700	66	40	rate	rate	NOUN
fbem-27700	66	41	marketization	marketization	NOUN
fbem-27700	66	42	can	can	AUX
fbem-27700	66	43	actively	actively	ADV
fbem-27700	66	44	affect	affect	VERB
fbem-27700	66	45	the	the	DET
fbem-27700	66	46	risk	risk	NOUN
fbem-27700	66	47	-	-	PUNCT
fbem-27700	66	48	taking	take	VERB
fbem-27700	66	49	behavior	behavior	NOUN
fbem-27700	66	50	of	of	ADP
fbem-27700	66	51	banks	bank	NOUN
fbem-27700	66	52	by	by	ADP
fbem-27700	66	53	intensifying	intensify	VERB
fbem-27700	66	54	inter	inter	ADJ
fbem-27700	66	55	-	-	ADJ
fbem-27700	66	56	bank	bank	ADJ
fbem-27700	66	57	competition	competition	NOUN
fbem-27700	66	58	and	and	CCONJ
fbem-27700	66	59	providing	provide	VERB
fbem-27700	66	60	more	more	ADJ
fbem-27700	66	61	opportunities	opportunity	NOUN
fbem-27700	66	62	for	for	ADP
fbem-27700	66	63	risk	risk	NOUN
fbem-27700	66	64	-	-	PUNCT
fbem-27700	66	65	bearing	bearing	NOUN
fbem-27700	66	66	(	(	PUNCT
fbem-27700	66	67	xiang	xiang	PROPN
fbem-27700	66	68	hou	hou	PROPN
fbem-27700	66	69	-	-	PUNCT
fbem-27700	66	70	jun	jun	PROPN
fbem-27700	66	71	and	and	CCONJ
fbem-27700	66	72	yan	yan	PROPN
fbem-27700	66	73	yu	yu	PROPN
fbem-27700	66	74	,	,	PUNCT
fbem-27700	66	75	2017	2017	NUM
fbem-27700	66	76	)	)	PUNCT
fbem-27700	66	77	.	.	PUNCT
fbem-27700	67	1	the	the	DET
fbem-27700	67	2	marketization	marketization	NOUN
fbem-27700	67	3	of	of	ADP
fbem-27700	67	4	loan	loan	NOUN
fbem-27700	67	5	interest	interest	NOUN
fbem-27700	67	6	rates	rate	NOUN
fbem-27700	67	7	has	have	AUX
fbem-27700	67	8	encouraged	encourage	VERB
fbem-27700	67	9	rural	rural	ADJ
fbem-27700	67	10	financial	financial	ADJ
fbem-27700	67	11	institutions	institution	NOUN
fbem-27700	67	12	to	to	PART
fbem-27700	67	13	serve	serve	VERB
fbem-27700	67	14	farmers	farmer	NOUN
fbem-27700	67	15	and	and	CCONJ
fbem-27700	67	16	smes	sme	NOUN
fbem-27700	67	17	more	more	ADV
fbem-27700	67	18	effectively	effectively	ADV
fbem-27700	67	19	(	(	PUNCT
fbem-27700	67	20	qi	qi	PROPN
fbem-27700	67	21	hao	hao	PROPN
fbem-27700	67	22	,	,	PUNCT
fbem-27700	67	23	2022	2022	NUM
fbem-27700	67	24	)	)	PUNCT
fbem-27700	67	25	.	.	PUNCT
fbem-27700	68	1	based	base	VERB
fbem-27700	68	2	on	on	ADP
fbem-27700	68	3	the	the	DET
fbem-27700	68	4	above	above	NOUN
fbem-27700	68	5	,	,	PUNCT
fbem-27700	68	6	the	the	DET
fbem-27700	68	7	first	first	ADJ
fbem-27700	68	8	research	research	NOUN
fbem-27700	68	9	hypothesis	hypothesis	NOUN
fbem-27700	68	10	is	be	AUX
fbem-27700	68	11	proposed	propose	VERB
fbem-27700	68	12	:	:	PUNCT
fbem-27700	68	13	hypothesis	hypothesis	NOUN
fbem-27700	68	14	1	1	NUM
fbem-27700	68	15	:	:	PUNCT
fbem-27700	68	16	free	free	ADJ
fbem-27700	68	17	competition	competition	NOUN
fbem-27700	68	18	among	among	ADP
fbem-27700	68	19	financial	financial	ADJ
fbem-27700	68	20	institutions	institution	NOUN
fbem-27700	68	21	can	can	AUX
fbem-27700	68	22	improve	improve	VERB
fbem-27700	68	23	farmers	farmer	NOUN
fbem-27700	68	24	'	'	PART
fbem-27700	68	25	credit	credit	NOUN
fbem-27700	68	26	accessibility	accessibility	NOUN
fbem-27700	68	27	.	.	PUNCT
fbem-27700	69	1	2.2.2	2.2.2	X
fbem-27700	69	2	.	.	PUNCT
fbem-27700	69	3	free	free	ADJ
fbem-27700	69	4	competition	competition	NOUN
fbem-27700	69	5	among	among	ADP
fbem-27700	69	6	financial	financial	ADJ
fbem-27700	69	7	institutions	institution	NOUN
fbem-27700	69	8	,	,	PUNCT
fbem-27700	69	9	loan	loan	NOUN
fbem-27700	69	10	officer	officer	NOUN
fbem-27700	69	11	quantity	quantity	NOUN
fbem-27700	69	12	,	,	PUNCT
fbem-27700	69	13	and	and	CCONJ
fbem-27700	69	14	financial	financial	ADJ
fbem-27700	69	15	knowledge	knowledge	NOUN
fbem-27700	69	16	dissemination	dissemination	NOUN
fbem-27700	69	17	key	key	ADJ
fbem-27700	69	18	factors	factor	NOUN
fbem-27700	69	19	influencing	influence	VERB
fbem-27700	69	20	farmers	farmer	NOUN
fbem-27700	69	21	'	'	PART
fbem-27700	69	22	access	access	NOUN
fbem-27700	69	23	to	to	ADP
fbem-27700	69	24	credit	credit	NOUN
fbem-27700	69	25	include	include	VERB
fbem-27700	69	26	information	information	NOUN
fbem-27700	69	27	asymmetry	asymmetry	NOUN
fbem-27700	69	28	and	and	CCONJ
fbem-27700	69	29	high	high	ADJ
fbem-27700	69	30	transaction	transaction	NOUN
fbem-27700	69	31	costs	cost	NOUN
fbem-27700	69	32	(	(	PUNCT
fbem-27700	69	33	wang	wang	PROPN
fbem-27700	69	34	changyun	changyun	PROPN
fbem-27700	69	35	,	,	PUNCT
fbem-27700	69	36	2014	2014	NUM
fbem-27700	69	37	)	)	PUNCT
fbem-27700	69	38	.	.	PUNCT
fbem-27700	70	1	information	information	NOUN
fbem-27700	70	2	asymmetry	asymmetry	NOUN
fbem-27700	70	3	between	between	ADP
fbem-27700	70	4	farmers	farmer	NOUN
fbem-27700	70	5	and	and	CCONJ
fbem-27700	70	6	financial	financial	ADJ
fbem-27700	70	7	institutions	institution	NOUN
fbem-27700	70	8	,	,	PUNCT
fbem-27700	70	9	coupled	couple	VERB
fbem-27700	70	10	with	with	ADP
fbem-27700	70	11	farmers	farmer	NOUN
fbem-27700	70	12	'	'	PART
fbem-27700	70	13	inability	inability	NOUN
fbem-27700	70	14	to	to	PART
fbem-27700	70	15	provide	provide	VERB
fbem-27700	70	16	sufficient	sufficient	ADJ
fbem-27700	70	17	collateral	collateral	NOUN
fbem-27700	70	18	,	,	PUNCT
fbem-27700	70	19	makes	make	VERB
fbem-27700	70	20	it	it	PRON
fbem-27700	70	21	challenging	challenge	VERB
fbem-27700	70	22	for	for	SCONJ
fbem-27700	70	23	banks	bank	NOUN
fbem-27700	70	24	to	to	PART
fbem-27700	70	25	accurately	accurately	ADV
fbem-27700	70	26	assess	assess	VERB
fbem-27700	70	27	farmers	farmer	NOUN
fbem-27700	70	28	'	'	PART
fbem-27700	70	29	repayment	repayment	NOUN
fbem-27700	70	30	capabilities	capability	NOUN
fbem-27700	70	31	,	,	PUNCT
fbem-27700	70	32	leading	lead	VERB
fbem-27700	70	33	to	to	ADP
fbem-27700	70	34	credit	credit	NOUN
fbem-27700	70	35	rationing	rationing	NOUN
fbem-27700	70	36	.	.	PUNCT
fbem-27700	71	1	with	with	ADP
fbem-27700	71	2	intensified	intensify	VERB
fbem-27700	71	3	competition	competition	NOUN
fbem-27700	71	4	among	among	ADP
fbem-27700	71	5	financial	financial	ADJ
fbem-27700	71	6	institutions	institution	NOUN
fbem-27700	71	7	,	,	PUNCT
fbem-27700	71	8	small	small	ADJ
fbem-27700	71	9	and	and	CCONJ
fbem-27700	71	10	medium	medium	ADJ
fbem-27700	71	11	-	-	PUNCT
fbem-27700	71	12	sized	sized	ADJ
fbem-27700	71	13	banks	bank	NOUN
fbem-27700	71	14	such	such	ADJ
fbem-27700	71	15	as	as	ADP
fbem-27700	71	16	rural	rural	ADJ
fbem-27700	71	17	commercial	commercial	ADJ
fbem-27700	71	18	banks	bank	NOUN
fbem-27700	71	19	and	and	CCONJ
fbem-27700	71	20	township	township	NOUN
fbem-27700	71	21	banks	bank	NOUN
fbem-27700	71	22	have	have	AUX
fbem-27700	71	23	achieved	achieve	VERB
fbem-27700	71	24	significant	significant	ADJ
fbem-27700	71	25	growth	growth	NOUN
fbem-27700	71	26	.	.	PUNCT
fbem-27700	72	1	their	their	PRON
fbem-27700	72	2	service	service	NOUN
fbem-27700	72	3	networks	network	NOUN
fbem-27700	72	4	now	now	ADV
fbem-27700	72	5	extensively	extensively	ADV
fbem-27700	72	6	cover	cover	VERB
fbem-27700	72	7	rural	rural	ADJ
fbem-27700	72	8	areas	area	NOUN
fbem-27700	72	9	,	,	PUNCT
fbem-27700	72	10	enabling	enable	VERB
fbem-27700	72	11	direct	direct	ADJ
fbem-27700	72	12	service	service	NOUN
fbem-27700	72	13	to	to	ADP
fbem-27700	72	14	individual	individual	ADJ
fbem-27700	72	15	farmers	farmer	NOUN
fbem-27700	72	16	.	.	PUNCT
fbem-27700	73	1	these	these	DET
fbem-27700	73	2	banks	bank	NOUN
fbem-27700	73	3	can	can	AUX
fbem-27700	73	4	enhance	enhance	VERB
fbem-27700	73	5	their	their	PRON
fbem-27700	73	6	service	service	NOUN
fbem-27700	73	7	capabilities	capability	NOUN
fbem-27700	73	8	by	by	ADP
fbem-27700	73	9	improving	improve	VERB
fbem-27700	73	10	credit	credit	NOUN
fbem-27700	73	11	technologies	technology	NOUN
fbem-27700	73	12	and	and	CCONJ
fbem-27700	73	13	soft	soft	ADJ
fbem-27700	73	14	information	information	NOUN
fbem-27700	73	15	development	development	NOUN
fbem-27700	73	16	.	.	PUNCT
fbem-27700	74	1	specifically	specifically	ADV
fbem-27700	74	2	,	,	PUNCT
fbem-27700	74	3	on	on	ADP
fbem-27700	74	4	the	the	DET
fbem-27700	74	5	one	one	NUM
fbem-27700	74	6	hand	hand	NOUN
fbem-27700	74	7	,	,	PUNCT
fbem-27700	74	8	innovative	innovative	ADJ
fbem-27700	74	9	training	training	NOUN
fbem-27700	74	10	methods	method	NOUN
fbem-27700	74	11	can	can	AUX
fbem-27700	74	12	improve	improve	VERB
fbem-27700	74	13	the	the	DET
fbem-27700	74	14	credit	credit	NOUN
fbem-27700	74	15	skills	skill	NOUN
fbem-27700	74	16	of	of	ADP
fbem-27700	74	17	bank	bank	NOUN
fbem-27700	74	18	employees	employee	NOUN
fbem-27700	74	19	.	.	PUNCT
fbem-27700	75	1	combining	combine	VERB
fbem-27700	75	2	external	external	ADJ
fbem-27700	75	3	training	training	NOUN
fbem-27700	75	4	with	with	ADP
fbem-27700	75	5	internal	internal	ADJ
fbem-27700	75	6	mentoring	mentoring	NOUN
fbem-27700	75	7	,	,	PUNCT
fbem-27700	75	8	particularly	particularly	ADV
fbem-27700	75	9	through	through	ADP
fbem-27700	75	10	a	a	DET
fbem-27700	75	11	craftsmanship	craftsmanship	NOUN
fbem-27700	75	12	-	-	PUNCT
fbem-27700	75	13	style	style	NOUN
fbem-27700	75	14	internal	internal	ADJ
fbem-27700	75	15	training	training	NOUN
fbem-27700	75	16	approach	approach	NOUN
fbem-27700	75	17	for	for	ADP
fbem-27700	75	18	new	new	ADJ
fbem-27700	75	19	and	and	CCONJ
fbem-27700	75	20	young	young	ADJ
fbem-27700	75	21	employees	employee	NOUN
fbem-27700	75	22	,	,	PUNCT
fbem-27700	75	23	can	can	AUX
fbem-27700	75	24	elevate	elevate	VERB
fbem-27700	75	25	their	their	PRON
fbem-27700	75	26	technical	technical	ADJ
fbem-27700	75	27	capabilities	capability	NOUN
fbem-27700	75	28	in	in	ADP
fbem-27700	75	29	serving	serve	VERB
fbem-27700	75	30	micro	micro	ADJ
fbem-27700	75	31	and	and	CCONJ
fbem-27700	75	32	small	small	ADJ
fbem-27700	75	33	clients	client	NOUN
fbem-27700	75	34	.	.	PUNCT
fbem-27700	76	1	on	on	ADP
fbem-27700	76	2	the	the	DET
fbem-27700	76	3	other	other	ADJ
fbem-27700	76	4	hand	hand	NOUN
fbem-27700	76	5	,	,	PUNCT
fbem-27700	76	6	improved	improve	VERB
fbem-27700	76	7	methods	method	NOUN
fbem-27700	76	8	for	for	ADP
fbem-27700	76	9	collecting	collect	VERB
fbem-27700	76	10	soft	soft	ADJ
fbem-27700	76	11	information	information	NOUN
fbem-27700	76	12	on	on	ADP
fbem-27700	76	13	micro	micro	ADJ
fbem-27700	76	14	clients	client	NOUN
fbem-27700	76	15	are	be	AUX
fbem-27700	76	16	critical	critical	ADJ
fbem-27700	76	17	.	.	PUNCT
fbem-27700	77	1	collaborating	collaborate	VERB
fbem-27700	77	2	with	with	ADP
fbem-27700	77	3	street	street	NOUN
fbem-27700	77	4	committees	committee	NOUN
fbem-27700	77	5	,	,	PUNCT
fbem-27700	77	6	village	village	NOUN
fbem-27700	77	7	committees	committee	NOUN
fbem-27700	77	8	,	,	PUNCT
fbem-27700	77	9	and	and	CCONJ
fbem-27700	77	10	grassroots	grassroots	ADJ
fbem-27700	77	11	governments	government	NOUN
fbem-27700	77	12	,	,	PUNCT
fbem-27700	77	13	banks	bank	NOUN
fbem-27700	77	14	can	can	AUX
fbem-27700	77	15	gather	gather	VERB
fbem-27700	77	16	and	and	CCONJ
fbem-27700	77	17	integrate	integrate	VERB
fbem-27700	77	18	data	datum	NOUN
fbem-27700	77	19	on	on	ADP
fbem-27700	77	20	informal	informal	ADJ
fbem-27700	77	21	financial	financial	ADJ
fbem-27700	77	22	activities	activity	NOUN
fbem-27700	77	23	,	,	PUNCT
fbem-27700	77	24	community	community	NOUN
fbem-27700	77	25	relations	relation	NOUN
fbem-27700	77	26	,	,	PUNCT
fbem-27700	77	27	awards	award	NOUN
fbem-27700	77	28	,	,	PUNCT
fbem-27700	77	29	adherence	adherence	NOUN
fbem-27700	77	30	to	to	ADP
fbem-27700	77	31	traffic	traffic	NOUN
fbem-27700	77	32	regulations	regulation	NOUN
fbem-27700	77	33	,	,	PUNCT
fbem-27700	77	34	and	and	CCONJ
fbem-27700	77	35	records	record	NOUN
fbem-27700	77	36	of	of	ADP
fbem-27700	77	37	public	public	ADJ
fbem-27700	77	38	fee	fee	NOUN
fbem-27700	77	39	payments	payment	NOUN
fbem-27700	77	40	.	.	PUNCT
fbem-27700	78	1	this	this	PRON
fbem-27700	78	2	allows	allow	VERB
fbem-27700	78	3	for	for	ADP
fbem-27700	78	4	the	the	DET
fbem-27700	78	5	establishment	establishment	NOUN
fbem-27700	78	6	of	of	ADP
fbem-27700	78	7	agricultural	agricultural	ADJ
fbem-27700	78	8	microcredit	microcredit	NOUN
fbem-27700	78	9	information	information	NOUN
fbem-27700	78	10	databases	database	NOUN
fbem-27700	78	11	(	(	PUNCT
fbem-27700	78	12	zhu	zhu	PROPN
fbem-27700	78	13	yanjian	yanjian	NOUN
fbem-27700	78	14	,	,	PUNCT
fbem-27700	78	15	2022	2022	NUM
fbem-27700	78	16	)	)	PUNCT
fbem-27700	78	17	.	.	PUNCT
fbem-27700	79	1	such	such	ADJ
fbem-27700	79	2	initiatives	initiative	NOUN
fbem-27700	79	3	not	not	PART
fbem-27700	79	4	only	only	ADV
fbem-27700	79	5	address	address	VERB
fbem-27700	79	6	information	information	NOUN
fbem-27700	79	7	asymmetry	asymmetry	NOUN
fbem-27700	79	8	but	but	CCONJ
fbem-27700	79	9	also	also	ADV
fbem-27700	79	10	reduce	reduce	VERB
fbem-27700	79	11	transaction	transaction	NOUN
fbem-27700	79	12	costs	cost	NOUN
fbem-27700	79	13	,	,	PUNCT
fbem-27700	79	14	thereby	thereby	ADV
fbem-27700	79	15	increasing	increase	VERB
fbem-27700	79	16	the	the	DET
fbem-27700	79	17	likelihood	likelihood	NOUN
fbem-27700	79	18	of	of	ADP
fbem-27700	79	19	farmers	farmer	NOUN
fbem-27700	79	20	obtaining	obtain	VERB
fbem-27700	79	21	credit	credit	NOUN
fbem-27700	79	22	.	.	PUNCT
fbem-27700	80	1	in	in	ADP
fbem-27700	80	2	china	china	PROPN
fbem-27700	80	3	,	,	PUNCT
fbem-27700	80	4	agricultural	agricultural	ADJ
fbem-27700	80	5	production	production	NOUN
fbem-27700	80	6	primarily	primarily	ADV
fbem-27700	80	7	relies	rely	VERB
fbem-27700	80	8	on	on	ADP
fbem-27700	80	9	smallscale	smallscale	ADJ
fbem-27700	80	10	farmers	farmer	NOUN
fbem-27700	80	11	who	who	PRON
fbem-27700	80	12	face	face	VERB
fbem-27700	80	13	challenges	challenge	NOUN
fbem-27700	80	14	such	such	ADJ
fbem-27700	80	15	as	as	ADP
fbem-27700	80	16	limited	limited	ADJ
fbem-27700	80	17	operational	operational	ADJ
fbem-27700	80	18	scale	scale	NOUN
fbem-27700	80	19	,	,	PUNCT
fbem-27700	80	20	lower	low	ADJ
fbem-27700	80	21	education	education	NOUN
fbem-27700	80	22	levels	level	NOUN
fbem-27700	80	23	,	,	PUNCT
fbem-27700	80	24	and	and	CCONJ
fbem-27700	80	25	restricted	restrict	VERB
fbem-27700	80	26	access	access	NOUN
fbem-27700	80	27	to	to	ADP
fbem-27700	80	28	information	information	NOUN
fbem-27700	80	29	—	—	PUNCT
fbem-27700	80	30	factors	factor	NOUN
fbem-27700	80	31	that	that	PRON
fbem-27700	80	32	exacerbate	exacerbate	VERB
fbem-27700	80	33	the	the	DET
fbem-27700	80	34	negative	negative	ADJ
fbem-27700	80	35	impact	impact	NOUN
fbem-27700	80	36	of	of	ADP
fbem-27700	80	37	information	information	NOUN
fbem-27700	80	38	asymmetry	asymmetry	NOUN
fbem-27700	80	39	.	.	PUNCT
fbem-27700	81	1	enhancing	enhance	VERB
fbem-27700	81	2	financial	financial	ADJ
fbem-27700	81	3	literacy	literacy	NOUN
fbem-27700	81	4	significantly	significantly	ADV
fbem-27700	81	5	reduces	reduce	VERB
fbem-27700	81	6	participants	participant	NOUN
fbem-27700	81	7	'	'	PART
fbem-27700	81	8	reliance	reliance	NOUN
fbem-27700	81	9	on	on	ADP
fbem-27700	81	10	informal	informal	ADJ
fbem-27700	81	11	credit	credit	NOUN
fbem-27700	81	12	,	,	PUNCT
fbem-27700	81	13	increasing	increase	VERB
fbem-27700	81	14	their	their	PRON
fbem-27700	81	15	likelihood	likelihood	NOUN
fbem-27700	81	16	of	of	ADP
fbem-27700	81	17	applying	apply	VERB
fbem-27700	81	18	for	for	ADP
fbem-27700	81	19	and	and	CCONJ
fbem-27700	81	20	obtaining	obtain	VERB
fbem-27700	81	21	formal	formal	ADJ
fbem-27700	81	22	credit	credit	NOUN
fbem-27700	81	23	,	,	PUNCT
fbem-27700	81	24	thereby	thereby	ADV
fbem-27700	81	25	alleviating	alleviate	VERB
fbem-27700	81	26	household	household	NOUN
fbem-27700	81	27	credit	credit	NOUN
fbem-27700	81	28	constraints	constraint	NOUN
fbem-27700	81	29	(	(	PUNCT
fbem-27700	81	30	song	song	NOUN
fbem-27700	81	31	quanyun	quanyun	PROPN
fbem-27700	81	32	et	et	PROPN
fbem-27700	81	33	al	al	PROPN
fbem-27700	81	34	.	.	PROPN
fbem-27700	81	35	,	,	PUNCT
fbem-27700	81	36	2017	2017	NUM
fbem-27700	81	37	;	;	PUNCT
fbem-27700	81	38	liu	liu	PROPN
fbem-27700	81	39	dan	dan	PROPN
fbem-27700	81	40	et	et	PROPN
fbem-27700	81	41	al	al	PROPN
fbem-27700	81	42	.	.	PROPN
fbem-27700	81	43	,	,	PUNCT
fbem-27700	81	44	2019	2019	NUM
fbem-27700	81	45	)	)	PUNCT
fbem-27700	81	46	.	.	PUNCT
fbem-27700	82	1	households	household	NOUN
fbem-27700	82	2	with	with	ADP
fbem-27700	82	3	higher	high	ADJ
fbem-27700	82	4	financial	financial	ADJ
fbem-27700	82	5	knowledge	knowledge	NOUN
fbem-27700	82	6	are	be	AUX
fbem-27700	82	7	more	more	ADV
fbem-27700	82	8	familiar	familiar	ADJ
fbem-27700	82	9	with	with	ADP
fbem-27700	82	10	credit	credit	NOUN
fbem-27700	82	11	products	product	NOUN
fbem-27700	82	12	,	,	PUNCT
fbem-27700	82	13	more	more	ADV
fbem-27700	82	14	adept	adept	ADJ
fbem-27700	82	15	at	at	ADP
fbem-27700	82	16	accessing	access	VERB
fbem-27700	82	17	financial	financial	ADJ
fbem-27700	82	18	information	information	NOUN
fbem-27700	82	19	,	,	PUNCT
fbem-27700	82	20	and	and	CCONJ
fbem-27700	82	21	more	more	ADV
fbem-27700	82	22	rational	rational	ADJ
fbem-27700	82	23	in	in	ADP
fbem-27700	82	24	their	their	PRON
fbem-27700	82	25	borrowing	borrowing	NOUN
fbem-27700	82	26	behavior	behavior	NOUN
fbem-27700	82	27	.	.	PUNCT
fbem-27700	83	1	they	they	PRON
fbem-27700	83	2	are	be	AUX
fbem-27700	83	3	also	also	ADV
fbem-27700	83	4	more	more	ADV
fbem-27700	83	5	likely	likely	ADJ
fbem-27700	83	6	to	to	PART
fbem-27700	83	7	secure	secure	VERB
fbem-27700	83	8	low	low	ADJ
fbem-27700	83	9	-	-	PUNCT
fbem-27700	83	10	interest	interest	NOUN
fbem-27700	83	11	loans	loan	NOUN
fbem-27700	83	12	tailored	tailor	VERB
fbem-27700	83	13	to	to	ADP
fbem-27700	83	14	their	their	PRON
fbem-27700	83	15	circumstances	circumstance	NOUN
fbem-27700	83	16	(	(	PUNCT
fbem-27700	83	17	chatter	chatter	NOUN
fbem-27700	83	18	,	,	PUNCT
fbem-27700	83	19	2013	2013	NUM
fbem-27700	83	20	)	)	PUNCT
fbem-27700	83	21	.	.	PUNCT
fbem-27700	84	1	conversely	conversely	ADV
fbem-27700	84	2	,	,	PUNCT
fbem-27700	84	3	families	family	NOUN
fbem-27700	84	4	with	with	ADP
fbem-27700	84	5	lower	low	ADJ
fbem-27700	84	6	financial	financial	ADJ
fbem-27700	84	7	literacy	literacy	NOUN
fbem-27700	84	8	may	may	AUX
fbem-27700	84	9	underestimate	underestimate	VERB
fbem-27700	84	10	borrowing	borrowing	NOUN
fbem-27700	84	11	costs	cost	NOUN
fbem-27700	84	12	and	and	CCONJ
fbem-27700	84	13	opt	opt	VERB
fbem-27700	84	14	for	for	ADP
fbem-27700	84	15	high	high	ADJ
fbem-27700	84	16	-	-	PUNCT
fbem-27700	84	17	cost	cost	NOUN
fbem-27700	84	18	borrowing	borrowing	NOUN
fbem-27700	84	19	,	,	PUNCT
fbem-27700	84	20	which	which	PRON
fbem-27700	84	21	can	can	AUX
fbem-27700	84	22	exacerbate	exacerbate	VERB
fbem-27700	84	23	their	their	PRON
fbem-27700	84	24	debt	debt	NOUN
fbem-27700	84	25	burden	burden	NOUN
fbem-27700	84	26	and	and	CCONJ
fbem-27700	84	27	lead	lead	VERB
fbem-27700	84	28	to	to	ADP
fbem-27700	84	29	financial	financial	ADJ
fbem-27700	84	30	distress	distress	NOUN
fbem-27700	84	31	(	(	PUNCT
fbem-27700	84	32	li	li	PROPN
fbem-27700	84	33	yunfeng	yunfeng	PROPN
fbem-27700	84	34	et	et	PROPN
fbem-27700	84	35	al	al	PROPN
fbem-27700	84	36	.	.	PROPN
fbem-27700	84	37	,	,	PUNCT
fbem-27700	84	38	2018	2018	NUM
fbem-27700	84	39	)	)	PUNCT
fbem-27700	84	40	.	.	PUNCT
fbem-27700	85	1	improving	improve	VERB
fbem-27700	85	2	financial	financial	ADJ
fbem-27700	85	3	literacy	literacy	NOUN
fbem-27700	85	4	is	be	AUX
fbem-27700	85	5	thus	thus	ADV
fbem-27700	85	6	a	a	DET
fbem-27700	85	7	critical	critical	ADJ
fbem-27700	85	8	factor	factor	NOUN
fbem-27700	85	9	in	in	ADP
fbem-27700	85	10	enhancing	enhance	VERB
fbem-27700	85	11	household	household	NOUN
fbem-27700	85	12	credit	credit	NOUN
fbem-27700	85	13	accessibility	accessibility	NOUN
fbem-27700	85	14	.	.	PUNCT
fbem-27700	86	1	the	the	DET
fbem-27700	86	2	liberalization	liberalization	NOUN
fbem-27700	86	3	of	of	ADP
fbem-27700	86	4	financial	financial	ADJ
fbem-27700	86	5	institution	institution	NOUN
fbem-27700	86	6	competition	competition	NOUN
fbem-27700	86	7	has	have	AUX
fbem-27700	86	8	prompted	prompt	VERB
fbem-27700	86	9	small	small	ADJ
fbem-27700	86	10	and	and	CCONJ
fbem-27700	86	11	micro	micro	ADJ
fbem-27700	86	12	banks	bank	NOUN
fbem-27700	86	13	to	to	PART
fbem-27700	86	14	organize	organize	VERB
fbem-27700	86	15	regular	regular	ADJ
fbem-27700	86	16	community	community	NOUN
fbem-27700	86	17	financial	financial	ADJ
fbem-27700	86	18	education	education	NOUN
fbem-27700	86	19	campaigns	campaign	NOUN
fbem-27700	86	20	and	and	CCONJ
fbem-27700	86	21	distribute	distribute	VERB
fbem-27700	86	22	promotional	promotional	ADJ
fbem-27700	86	23	materials	material	NOUN
fbem-27700	86	24	to	to	PART
fbem-27700	86	25	improve	improve	VERB
fbem-27700	86	26	farmers	farmer	NOUN
fbem-27700	86	27	'	'	PART
fbem-27700	86	28	financial	financial	ADJ
fbem-27700	86	29	literacy	literacy	NOUN
fbem-27700	86	30	.	.	PUNCT
fbem-27700	87	1	based	base	VERB
fbem-27700	87	2	on	on	ADP
fbem-27700	87	3	the	the	DET
fbem-27700	87	4	above	above	NOUN
fbem-27700	87	5	,	,	PUNCT
fbem-27700	87	6	the	the	DET
fbem-27700	87	7	second	second	ADJ
fbem-27700	87	8	research	research	NOUN
fbem-27700	87	9	hypothesis	hypothesis	NOUN
fbem-27700	87	10	is	be	AUX
fbem-27700	87	11	proposed	propose	VERB
fbem-27700	87	12	:	:	PUNCT
fbem-27700	87	13	hypothesis	hypothesis	NOUN
fbem-27700	87	14	2	2	NUM
fbem-27700	87	15	:	:	PUNCT
fbem-27700	87	16	free	free	ADJ
fbem-27700	87	17	competition	competition	NOUN
fbem-27700	87	18	among	among	ADP
fbem-27700	87	19	financial	financial	ADJ
fbem-27700	87	20	institutions	institution	NOUN
fbem-27700	87	21	can	can	AUX
fbem-27700	87	22	enhance	enhance	VERB
fbem-27700	87	23	farmers	farmer	NOUN
fbem-27700	87	24	'	'	PART
fbem-27700	87	25	credit	credit	NOUN
fbem-27700	87	26	accessibility	accessibility	NOUN
fbem-27700	87	27	by	by	ADP
fbem-27700	87	28	increasing	increase	VERB
fbem-27700	87	29	the	the	DET
fbem-27700	87	30	number	number	NOUN
fbem-27700	87	31	of	of	ADP
fbem-27700	87	32	loan	loan	NOUN
fbem-27700	87	33	officers	officer	NOUN
fbem-27700	87	34	and	and	CCONJ
fbem-27700	87	35	promoting	promote	VERB
fbem-27700	87	36	financial	financial	ADJ
fbem-27700	87	37	knowledge	knowledge	NOUN
fbem-27700	87	38	dissemination	dissemination	NOUN
fbem-27700	87	39	.	.	PUNCT
fbem-27700	88	1	2.2.3	2.2.3	X
fbem-27700	88	2	.	.	PUNCT
fbem-27700	88	3	agricultural	agricultural	ADJ
fbem-27700	88	4	industrialization	industrialization	NOUN
fbem-27700	88	5	,	,	PUNCT
fbem-27700	88	6	free	free	ADJ
fbem-27700	88	7	competition	competition	NOUN
fbem-27700	88	8	among	among	ADP
fbem-27700	88	9	financial	financial	ADJ
fbem-27700	88	10	institutions	institution	NOUN
fbem-27700	88	11	,	,	PUNCT
fbem-27700	88	12	and	and	CCONJ
fbem-27700	88	13	farmers	farmer	NOUN
fbem-27700	88	14	'	'	PART
fbem-27700	88	15	access	access	NOUN
fbem-27700	88	16	to	to	ADP
fbem-27700	88	17	credit	credit	NOUN
fbem-27700	88	18	with	with	ADP
fbem-27700	88	19	the	the	DET
fbem-27700	88	20	transformation	transformation	NOUN
fbem-27700	88	21	of	of	ADP
fbem-27700	88	22	agricultural	agricultural	ADJ
fbem-27700	88	23	production	production	NOUN
fbem-27700	88	24	models	model	NOUN
fbem-27700	88	25	and	and	CCONJ
fbem-27700	88	26	the	the	DET
fbem-27700	88	27	industrialization	industrialization	NOUN
fbem-27700	88	28	and	and	CCONJ
fbem-27700	88	29	scale	scale	NOUN
fbem-27700	88	30	of	of	ADP
fbem-27700	88	31	agriculture	agriculture	NOUN
fbem-27700	88	32	,	,	PUNCT
fbem-27700	88	33	traditional	traditional	ADJ
fbem-27700	88	34	small	small	ADJ
fbem-27700	88	35	-	-	PUNCT
fbem-27700	88	36	scale	scale	NOUN
fbem-27700	88	37	,	,	PUNCT
fbem-27700	88	38	short	short	ADJ
fbem-27700	88	39	-	-	PUNCT
fbem-27700	88	40	term	term	NOUN
fbem-27700	88	41	loans	loan	NOUN
fbem-27700	88	42	for	for	ADP
fbem-27700	88	43	individual	individual	ADJ
fbem-27700	88	44	farmers	farmer	NOUN
fbem-27700	88	45	have	have	AUX
fbem-27700	88	46	increasingly	increasingly	ADV
fbem-27700	88	47	failed	fail	VERB
fbem-27700	88	48	to	to	PART
fbem-27700	88	49	meet	meet	VERB
fbem-27700	88	50	the	the	DET
fbem-27700	88	51	development	development	NOUN
fbem-27700	88	52	needs	need	NOUN
fbem-27700	88	53	of	of	ADP
fbem-27700	88	54	agricultural	agricultural	ADJ
fbem-27700	88	55	industrialization	industrialization	NOUN
fbem-27700	88	56	(	(	PUNCT
fbem-27700	88	57	zhou	zhou	PROPN
fbem-27700	88	58	liqun	liqun	PROPN
fbem-27700	88	59	,	,	PUNCT
fbem-27700	88	60	2001	2001	NUM
fbem-27700	88	61	)	)	PUNCT
fbem-27700	88	62	.	.	PUNCT
fbem-27700	89	1	in	in	ADP
fbem-27700	89	2	this	this	DET
fbem-27700	89	3	context	context	NOUN
fbem-27700	89	4	,	,	PUNCT
fbem-27700	89	5	the	the	DET
fbem-27700	89	6	agricultural	agricultural	ADJ
fbem-27700	89	7	supply	supply	NOUN
fbem-27700	89	8	chain	chain	NOUN
fbem-27700	89	9	financing	financing	NOUN
fbem-27700	89	10	model	model	NOUN
fbem-27700	89	11	emerged	emerge	VERB
fbem-27700	89	12	as	as	ADP
fbem-27700	89	13	an	an	DET
fbem-27700	89	14	innovative	innovative	ADJ
fbem-27700	89	15	financial	financial	ADJ
fbem-27700	89	16	approach	approach	NOUN
fbem-27700	89	17	to	to	PART
fbem-27700	89	18	support	support	VERB
fbem-27700	89	19	agricultural	agricultural	ADJ
fbem-27700	89	20	development	development	NOUN
fbem-27700	89	21	.	.	PUNCT
fbem-27700	90	1	this	this	DET
fbem-27700	90	2	financing	financing	NOUN
fbem-27700	90	3	method	method	NOUN
fbem-27700	90	4	relies	rely	VERB
fbem-27700	90	5	on	on	ADP
fbem-27700	90	6	core	core	ADJ
fbem-27700	90	7	enterprises	enterprise	NOUN
fbem-27700	90	8	within	within	ADP
fbem-27700	90	9	the	the	DET
fbem-27700	90	10	industrial	industrial	ADJ
fbem-27700	90	11	chain	chain	NOUN
fbem-27700	90	12	to	to	PART
fbem-27700	90	13	drive	drive	VERB
fbem-27700	90	14	other	other	ADJ
fbem-27700	90	15	businesses	business	NOUN
fbem-27700	90	16	along	along	ADP
fbem-27700	90	17	the	the	DET
fbem-27700	90	18	chain	chain	NOUN
fbem-27700	90	19	.	.	PUNCT
fbem-27700	91	1	however	however	ADV
fbem-27700	91	2	,	,	PUNCT
fbem-27700	91	3	when	when	SCONJ
fbem-27700	91	4	core	core	ADJ
fbem-27700	91	5	enterprises	enterprise	NOUN
fbem-27700	91	6	lack	lack	VERB
fbem-27700	91	7	sufficient	sufficient	ADJ
fbem-27700	91	8	leadership	leadership	NOUN
fbem-27700	91	9	within	within	ADP
fbem-27700	91	10	the	the	DET
fbem-27700	91	11	supply	supply	NOUN
fbem-27700	91	12	chain	chain	NOUN
fbem-27700	91	13	,	,	PUNCT
fbem-27700	91	14	the	the	DET
fbem-27700	91	15	sustainability	sustainability	NOUN
fbem-27700	91	16	of	of	ADP
fbem-27700	91	17	this	this	DET
fbem-27700	91	18	financing	financing	NOUN
fbem-27700	91	19	model	model	NOUN
fbem-27700	91	20	may	may	AUX
fbem-27700	91	21	be	be	AUX
fbem-27700	91	22	constrained	constrain	VERB
fbem-27700	91	23	.	.	PUNCT
fbem-27700	92	1	the	the	DET
fbem-27700	92	2	success	success	NOUN
fbem-27700	92	3	of	of	ADP
fbem-27700	92	4	this	this	DET
fbem-27700	92	5	financing	financing	NOUN
fbem-27700	92	6	approach	approach	NOUN
fbem-27700	92	7	largely	largely	ADV
fbem-27700	92	8	depends	depend	VERB
fbem-27700	92	9	on	on	ADP
fbem-27700	92	10	the	the	DET
fbem-27700	92	11	capacity	capacity	NOUN
fbem-27700	92	12	of	of	ADP
fbem-27700	92	13	the	the	DET
fbem-27700	92	14	core	core	NOUN
fbem-27700	92	15	enterprise	enterprise	NOUN
fbem-27700	92	16	;	;	PUNCT
fbem-27700	92	17	if	if	SCONJ
fbem-27700	92	18	the	the	DET
fbem-27700	92	19	core	core	NOUN
fbem-27700	92	20	enterprise	enterprise	NOUN
fbem-27700	92	21	fails	fail	VERB
fbem-27700	92	22	to	to	PART
fbem-27700	92	23	effectively	effectively	ADV
fbem-27700	92	24	assume	assume	VERB
fbem-27700	92	25	its	its	PRON
fbem-27700	92	26	leadership	leadership	NOUN
fbem-27700	92	27	role	role	NOUN
fbem-27700	92	28	,	,	PUNCT
fbem-27700	92	29	the	the	DET
fbem-27700	92	30	entire	entire	ADJ
fbem-27700	92	31	financing	financing	NOUN
fbem-27700	92	32	system	system	NOUN
fbem-27700	92	33	may	may	AUX
fbem-27700	92	34	struggle	struggle	VERB
fbem-27700	92	35	to	to	PART
fbem-27700	92	36	operate	operate	VERB
fbem-27700	92	37	stably	stably	ADV
fbem-27700	92	38	and	and	CCONJ
fbem-27700	92	39	sustainably	sustainably	ADV
fbem-27700	92	40	(	(	PUNCT
fbem-27700	92	41	liu	liu	PROPN
fbem-27700	92	42	xichuan	xichuan	PROPN
fbem-27700	92	43	,	,	PUNCT
fbem-27700	92	44	2013	2013	NUM
fbem-27700	92	45	)	)	PUNCT
fbem-27700	92	46	.	.	PUNCT
fbem-27700	93	1	driven	drive	VERB
fbem-27700	93	2	by	by	ADP
fbem-27700	93	3	rural	rural	ADJ
fbem-27700	93	4	industrialization	industrialization	NOUN
fbem-27700	93	5	,	,	PUNCT
fbem-27700	93	6	the	the	DET
fbem-27700	93	7	construction	construction	NOUN
fbem-27700	93	8	of	of	ADP
fbem-27700	93	9	a	a	DET
fbem-27700	93	10	financial	financial	ADJ
fbem-27700	93	11	network	network	NOUN
fbem-27700	93	12	is	be	AUX
fbem-27700	93	13	crucial	crucial	ADJ
fbem-27700	93	14	for	for	ADP
fbem-27700	93	15	the	the	DET
fbem-27700	93	16	long	long	ADJ
fbem-27700	93	17	-	-	PUNCT
fbem-27700	93	18	term	term	NOUN
fbem-27700	93	19	prosperity	prosperity	NOUN
fbem-27700	93	20	of	of	ADP
fbem-27700	93	21	rural	rural	ADJ
fbem-27700	93	22	industries	industry	NOUN
fbem-27700	93	23	.	.	PUNCT
fbem-27700	94	1	this	this	DET
fbem-27700	94	2	network	network	NOUN
fbem-27700	94	3	not	not	PART
fbem-27700	94	4	only	only	ADV
fbem-27700	94	5	stabilizes	stabilize	VERB
fbem-27700	94	6	capital	capital	NOUN
fbem-27700	94	7	flow	flow	NOUN
fbem-27700	94	8	but	but	CCONJ
fbem-27700	94	9	also	also	ADV
fbem-27700	94	10	attracts	attract	VERB
fbem-27700	94	11	external	external	ADJ
fbem-27700	94	12	investment	investment	NOUN
fbem-27700	94	13	,	,	PUNCT
fbem-27700	94	14	technology	technology	NOUN
fbem-27700	94	15	,	,	PUNCT
fbem-27700	94	16	and	and	CCONJ
fbem-27700	94	17	talent	talent	NOUN
fbem-27700	94	18	,	,	PUNCT
fbem-27700	94	19	thereby	thereby	ADV
fbem-27700	94	20	enhancing	enhance	VERB
fbem-27700	94	21	the	the	DET
fbem-27700	94	22	industrial	industrial	ADJ
fbem-27700	94	23	level	level	NOUN
fbem-27700	94	24	and	and	CCONJ
fbem-27700	94	25	optimizing	optimize	VERB
fbem-27700	94	26	the	the	DET
fbem-27700	94	27	allocation	allocation	NOUN
fbem-27700	94	28	of	of	ADP
fbem-27700	94	29	resources	resource	NOUN
fbem-27700	94	30	between	between	ADP
fbem-27700	94	31	urban	urban	ADJ
fbem-27700	94	32	and	and	CCONJ
fbem-27700	94	33	rural	rural	ADJ
fbem-27700	94	34	areas	area	NOUN
fbem-27700	94	35	.	.	PUNCT
fbem-27700	95	1	through	through	ADP
fbem-27700	95	2	a	a	DET
fbem-27700	95	3	solid	solid	ADJ
fbem-27700	95	4	financial	financial	ADJ
fbem-27700	95	5	chain	chain	NOUN
fbem-27700	95	6	,	,	PUNCT
fbem-27700	95	7	financial	financial	ADJ
fbem-27700	95	8	services	service	NOUN
fbem-27700	95	9	can	can	AUX
fbem-27700	95	10	raise	raise	VERB
fbem-27700	95	11	farmers	farmer	NOUN
fbem-27700	95	12	'	'	PART
fbem-27700	95	13	incomes	income	NOUN
fbem-27700	95	14	,	,	PUNCT
fbem-27700	95	15	promote	promote	VERB
fbem-27700	95	16	urban	urban	ADJ
fbem-27700	95	17	-	-	PUNCT
fbem-27700	95	18	rural	rural	ADJ
fbem-27700	95	19	integration	integration	NOUN
fbem-27700	95	20	,	,	PUNCT
fbem-27700	95	21	and	and	CCONJ
fbem-27700	95	22	accelerate	accelerate	VERB
fbem-27700	95	23	the	the	DET
fbem-27700	95	24	modernization	modernization	NOUN
fbem-27700	95	25	of	of	ADP
fbem-27700	95	26	agriculture	agriculture	NOUN
fbem-27700	95	27	and	and	CCONJ
fbem-27700	95	28	rural	rural	ADJ
fbem-27700	95	29	areas	area	NOUN
fbem-27700	95	30	,	,	PUNCT
fbem-27700	95	31	thus	thus	ADV
fbem-27700	95	32	playing	play	VERB
fbem-27700	95	33	a	a	DET
fbem-27700	95	34	core	core	ADJ
fbem-27700	95	35	role	role	NOUN
fbem-27700	95	36	in	in	ADP
fbem-27700	95	37	rural	rural	ADJ
fbem-27700	95	38	industrial	industrial	ADJ
fbem-27700	95	39	revitalization	revitalization	NOUN
fbem-27700	95	40	and	and	CCONJ
fbem-27700	95	41	generating	generate	VERB
fbem-27700	95	42	spillover	spillover	NOUN
fbem-27700	95	43	effects	effect	NOUN
fbem-27700	95	44	for	for	ADP
fbem-27700	95	45	financial	financial	ADJ
fbem-27700	95	46	intermediaries	intermediary	NOUN
fbem-27700	95	47	(	(	PUNCT
fbem-27700	95	48	he	he	PRON
fbem-27700	95	49	guangwen	guangwen	VERB
fbem-27700	95	50	,	,	PUNCT
fbem-27700	95	51	2018	2018	NUM
fbem-27700	95	52	)	)	PUNCT
fbem-27700	95	53	.	.	PUNCT
fbem-27700	96	1	as	as	SCONJ
fbem-27700	96	2	agricultural	agricultural	ADJ
fbem-27700	96	3	industrialization	industrialization	NOUN
fbem-27700	96	4	deepens	deepen	NOUN
fbem-27700	96	5	,	,	PUNCT
fbem-27700	96	6	rural	rural	ADJ
fbem-27700	96	7	operating	operate	VERB
fbem-27700	96	8	entities	entity	NOUN
fbem-27700	96	9	have	have	AUX
fbem-27700	96	10	shifted	shift	VERB
fbem-27700	96	11	from	from	ADP
fbem-27700	96	12	traditional	traditional	ADJ
fbem-27700	96	13	farmers	farmer	NOUN
fbem-27700	96	14	to	to	ADP
fbem-27700	96	15	larger	large	ADJ
fbem-27700	96	16	-	-	PUNCT
fbem-27700	96	17	scale	scale	NOUN
fbem-27700	96	18	producers	producer	NOUN
fbem-27700	96	19	and	and	CCONJ
fbem-27700	96	20	agricultural	agricultural	ADJ
fbem-27700	96	21	enterprises	enterprise	NOUN
fbem-27700	96	22	.	.	PUNCT
fbem-27700	97	1	these	these	DET
fbem-27700	97	2	new	new	ADJ
fbem-27700	97	3	types	type	NOUN
fbem-27700	97	4	of	of	ADP
fbem-27700	97	5	business	business	NOUN
fbem-27700	97	6	entities	entity	NOUN
fbem-27700	97	7	are	be	AUX
fbem-27700	97	8	significantly	significantly	ADV
fbem-27700	97	9	superior	superior	ADJ
fbem-27700	97	10	to	to	ADP
fbem-27700	97	11	small	small	ADJ
fbem-27700	97	12	-	-	PUNCT
fbem-27700	97	13	scale	scale	NOUN
fbem-27700	97	14	farmers	farmer	NOUN
fbem-27700	97	15	in	in	ADP
fbem-27700	97	16	terms	term	NOUN
fbem-27700	97	17	of	of	ADP
fbem-27700	97	18	management	management	NOUN
fbem-27700	97	19	capabilities	capability	NOUN
fbem-27700	97	20	and	and	CCONJ
fbem-27700	97	21	risk	risk	NOUN
fbem-27700	97	22	resilience	resilience	NOUN
fbem-27700	97	23	,	,	PUNCT
fbem-27700	97	24	while	while	SCONJ
fbem-27700	97	25	the	the	DET
fbem-27700	97	26	standardized	standardized	ADJ
fbem-27700	97	27	operations	operation	NOUN
fbem-27700	97	28	of	of	ADP
fbem-27700	97	29	these	these	DET
fbem-27700	97	30	enterprises	enterprise	NOUN
fbem-27700	97	31	also	also	ADV
fbem-27700	97	32	help	help	VERB
fbem-27700	97	33	mitigate	mitigate	VERB
fbem-27700	97	34	information	information	NOUN
fbem-27700	97	35	asymmetry	asymmetry	NOUN
fbem-27700	97	36	with	with	ADP
fbem-27700	97	37	banks	bank	NOUN
fbem-27700	97	38	.	.	PUNCT
fbem-27700	98	1	by	by	ADP
fbem-27700	98	2	integrating	integrate	VERB
fbem-27700	98	3	the	the	DET
fbem-27700	98	4	upstream	upstream	ADJ
fbem-27700	98	5	and	and	CCONJ
fbem-27700	98	6	downstream	downstream	ADJ
fbem-27700	98	7	supply	supply	NOUN
fbem-27700	98	8	chains	chain	NOUN
fbem-27700	98	9	of	of	ADP
fbem-27700	98	10	enterprises	enterprise	NOUN
fbem-27700	98	11	,	,	PUNCT
fbem-27700	98	12	banks	bank	NOUN
fbem-27700	98	13	are	be	AUX
fbem-27700	98	14	better	well	ADJ
fbem-27700	98	15	able	able	ADJ
fbem-27700	98	16	to	to	PART
fbem-27700	98	17	assess	assess	VERB
fbem-27700	98	18	the	the	DET
fbem-27700	98	19	operational	operational	ADJ
fbem-27700	98	20	status	status	NOUN
fbem-27700	98	21	of	of	ADP
fbem-27700	98	22	core	core	NOUN
fbem-27700	98	23	enterprises	enterprise	NOUN
fbem-27700	98	24	,	,	PUNCT
fbem-27700	98	25	surrounding	surround	VERB
fbem-27700	98	26	small	small	ADJ
fbem-27700	98	27	businesses	business	NOUN
fbem-27700	98	28	,	,	PUNCT
fbem-27700	98	29	and	and	CCONJ
fbem-27700	98	30	farmers	farmer	NOUN
fbem-27700	98	31	,	,	PUNCT
fbem-27700	98	32	providing	provide	VERB
fbem-27700	98	33	a	a	DET
fbem-27700	98	34	basis	basis	NOUN
fbem-27700	98	35	for	for	ADP
fbem-27700	98	36	risk	risk	NOUN
fbem-27700	98	37	control	control	NOUN
fbem-27700	98	38	.	.	PUNCT
fbem-27700	99	1	the	the	DET
fbem-27700	99	2	supply	supply	NOUN
fbem-27700	99	3	chain	chain	NOUN
fbem-27700	99	4	financing	financing	NOUN
fbem-27700	99	5	model	model	NOUN
fbem-27700	99	6	based	base	VERB
fbem-27700	99	7	on	on	ADP
fbem-27700	99	8	leading	lead	VERB
fbem-27700	99	9	enterprises	enterprise	NOUN
fbem-27700	99	10	effectively	effectively	ADV
fbem-27700	99	11	resolves	resolve	VERB
fbem-27700	99	12	the	the	DET
fbem-27700	99	13	issues	issue	NOUN
fbem-27700	99	14	of	of	ADP
fbem-27700	99	15	information	information	NOUN
fbem-27700	99	16	gaps	gap	NOUN
fbem-27700	99	17	and	and	CCONJ
fbem-27700	99	18	lack	lack	NOUN
fbem-27700	99	19	of	of	ADP
fbem-27700	99	20	collateral	collateral	NOUN
fbem-27700	99	21	faced	face	VERB
fbem-27700	99	22	by	by	ADP
fbem-27700	99	23	small	small	ADJ
fbem-27700	99	24	-	-	PUNCT
fbem-27700	99	25	scale	scale	NOUN
fbem-27700	99	26	farmers	farmer	NOUN
fbem-27700	99	27	(	(	PUNCT
fbem-27700	99	28	fan	fan	PROPN
fbem-27700	99	29	lifu	lifu	PROPN
fbem-27700	99	30	,	,	PUNCT
fbem-27700	99	31	346	346	NUM
fbem-27700	99	32	2010	2010	NUM
fbem-27700	99	33	)	)	PUNCT
fbem-27700	99	34	.	.	PUNCT
fbem-27700	100	1	in	in	ADP
fbem-27700	100	2	this	this	DET
fbem-27700	100	3	model	model	NOUN
fbem-27700	100	4	,	,	PUNCT
fbem-27700	100	5	leading	leading	ADJ
fbem-27700	100	6	enterprises	enterprise	NOUN
fbem-27700	100	7	serve	serve	VERB
fbem-27700	100	8	as	as	ADP
fbem-27700	100	9	"	"	PUNCT
fbem-27700	100	10	information	information	NOUN
fbem-27700	100	11	intermediaries	intermediary	NOUN
fbem-27700	100	12	"	"	PUNCT
fbem-27700	100	13	that	that	SCONJ
fbem-27700	100	14	not	not	PART
fbem-27700	100	15	only	only	ADV
fbem-27700	100	16	relay	relay	VERB
fbem-27700	100	17	information	information	NOUN
fbem-27700	100	18	along	along	ADP
fbem-27700	100	19	the	the	DET
fbem-27700	100	20	production	production	NOUN
fbem-27700	100	21	chain	chain	NOUN
fbem-27700	100	22	but	but	CCONJ
fbem-27700	100	23	also	also	ADV
fbem-27700	100	24	communicate	communicate	VERB
fbem-27700	100	25	with	with	ADP
fbem-27700	100	26	financial	financial	ADJ
fbem-27700	100	27	institutions	institution	NOUN
fbem-27700	100	28	on	on	ADP
fbem-27700	100	29	behalf	behalf	NOUN
fbem-27700	100	30	of	of	ADP
fbem-27700	100	31	the	the	DET
fbem-27700	100	32	farmers	farmer	NOUN
fbem-27700	100	33	.	.	PUNCT
fbem-27700	101	1	financial	financial	ADJ
fbem-27700	101	2	institutions	institution	NOUN
fbem-27700	101	3	,	,	PUNCT
fbem-27700	101	4	using	use	VERB
fbem-27700	101	5	these	these	DET
fbem-27700	101	6	"	"	PUNCT
fbem-27700	101	7	information	information	NOUN
fbem-27700	101	8	intermediaries	intermediary	NOUN
fbem-27700	101	9	,	,	PUNCT
fbem-27700	101	10	"	"	PUNCT
fbem-27700	101	11	disburse	disburse	ADJ
fbem-27700	101	12	loans	loan	NOUN
fbem-27700	101	13	to	to	ADP
fbem-27700	101	14	farmers	farmer	NOUN
fbem-27700	101	15	in	in	ADP
fbem-27700	101	16	the	the	DET
fbem-27700	101	17	form	form	NOUN
fbem-27700	101	18	of	of	ADP
fbem-27700	101	19	production	production	NOUN
fbem-27700	101	20	materials	material	NOUN
fbem-27700	101	21	,	,	PUNCT
fbem-27700	101	22	thereby	thereby	ADV
fbem-27700	101	23	significantly	significantly	ADV
fbem-27700	101	24	reducing	reduce	VERB
fbem-27700	101	25	the	the	DET
fbem-27700	101	26	cost	cost	NOUN
fbem-27700	101	27	of	of	ADP
fbem-27700	101	28	information	information	NOUN
fbem-27700	101	29	collection	collection	NOUN
fbem-27700	101	30	and	and	CCONJ
fbem-27700	101	31	process	process	NOUN
fbem-27700	101	32	monitoring	monitoring	NOUN
fbem-27700	101	33	,	,	PUNCT
fbem-27700	101	34	and	and	CCONJ
fbem-27700	101	35	minimizing	minimize	VERB
fbem-27700	101	36	the	the	DET
fbem-27700	101	37	possibility	possibility	NOUN
fbem-27700	101	38	of	of	ADP
fbem-27700	101	39	loan	loan	NOUN
fbem-27700	101	40	fraud	fraud	NOUN
fbem-27700	101	41	.	.	PUNCT
fbem-27700	102	1	currently	currently	ADV
fbem-27700	102	2	,	,	PUNCT
fbem-27700	102	3	many	many	ADJ
fbem-27700	102	4	traditional	traditional	ADJ
fbem-27700	102	5	financial	financial	ADJ
fbem-27700	102	6	institutions	institution	NOUN
fbem-27700	102	7	have	have	AUX
fbem-27700	102	8	partnered	partner	VERB
fbem-27700	102	9	with	with	ADP
fbem-27700	102	10	leading	lead	VERB
fbem-27700	102	11	enterprises	enterprise	NOUN
fbem-27700	102	12	to	to	PART
fbem-27700	102	13	provide	provide	VERB
fbem-27700	102	14	agricultural	agricultural	ADJ
fbem-27700	102	15	loans	loan	NOUN
fbem-27700	102	16	.	.	PUNCT
fbem-27700	103	1	this	this	DET
fbem-27700	103	2	model	model	NOUN
fbem-27700	103	3	not	not	PART
fbem-27700	103	4	only	only	ADV
fbem-27700	103	5	closely	closely	ADV
fbem-27700	103	6	integrates	integrate	VERB
fbem-27700	103	7	the	the	DET
fbem-27700	103	8	flow	flow	NOUN
fbem-27700	103	9	of	of	ADP
fbem-27700	103	10	funds	fund	NOUN
fbem-27700	103	11	,	,	PUNCT
fbem-27700	103	12	information	information	NOUN
fbem-27700	103	13	,	,	PUNCT
fbem-27700	103	14	and	and	CCONJ
fbem-27700	103	15	the	the	DET
fbem-27700	103	16	supply	supply	NOUN
fbem-27700	103	17	chain	chain	NOUN
fbem-27700	103	18	,	,	PUNCT
fbem-27700	103	19	but	but	CCONJ
fbem-27700	103	20	also	also	ADV
fbem-27700	103	21	leverages	leverage	VERB
fbem-27700	103	22	the	the	DET
fbem-27700	103	23	complementary	complementary	ADJ
fbem-27700	103	24	advantages	advantage	NOUN
fbem-27700	103	25	between	between	ADP
fbem-27700	103	26	traditional	traditional	ADJ
fbem-27700	103	27	financial	financial	ADJ
fbem-27700	103	28	institutions	institution	NOUN
fbem-27700	103	29	and	and	CCONJ
fbem-27700	103	30	leading	lead	VERB
fbem-27700	103	31	enterprises	enterprise	NOUN
fbem-27700	103	32	,	,	PUNCT
fbem-27700	103	33	promoting	promote	VERB
fbem-27700	103	34	a	a	DET
fbem-27700	103	35	mutually	mutually	ADV
fbem-27700	103	36	beneficial	beneficial	ADJ
fbem-27700	103	37	outcome	outcome	NOUN
fbem-27700	103	38	for	for	ADP
fbem-27700	103	39	both	both	DET
fbem-27700	103	40	(	(	PUNCT
fbem-27700	103	41	xu	xu	PROPN
fbem-27700	103	42	yuyun	yuyun	PROPN
fbem-27700	103	43	,	,	PUNCT
fbem-27700	103	44	2020	2020	NUM
fbem-27700	103	45	)	)	PUNCT
fbem-27700	103	46	.	.	PUNCT
fbem-27700	104	1	based	base	VERB
fbem-27700	104	2	on	on	ADP
fbem-27700	104	3	the	the	DET
fbem-27700	104	4	above	above	NOUN
fbem-27700	104	5	,	,	PUNCT
fbem-27700	104	6	the	the	DET
fbem-27700	104	7	third	third	ADJ
fbem-27700	104	8	hypothesis	hypothesis	NOUN
fbem-27700	104	9	is	be	AUX
fbem-27700	104	10	proposed	propose	VERB
fbem-27700	104	11	:	:	PUNCT
fbem-27700	104	12	hypothesis	hypothesis	NOUN
fbem-27700	104	13	3	3	NUM
fbem-27700	104	14	:	:	PUNCT
fbem-27700	104	15	the	the	DET
fbem-27700	104	16	improvement	improvement	NOUN
fbem-27700	104	17	of	of	ADP
fbem-27700	104	18	agricultural	agricultural	ADJ
fbem-27700	104	19	industrialization	industrialization	NOUN
fbem-27700	104	20	levels	level	NOUN
fbem-27700	104	21	strengthens	strengthen	VERB
fbem-27700	104	22	the	the	DET
fbem-27700	104	23	impact	impact	NOUN
fbem-27700	104	24	of	of	ADP
fbem-27700	104	25	free	free	ADJ
fbem-27700	104	26	competition	competition	NOUN
fbem-27700	104	27	among	among	ADP
fbem-27700	104	28	financial	financial	ADJ
fbem-27700	104	29	institutions	institution	NOUN
fbem-27700	104	30	on	on	ADP
fbem-27700	104	31	farmers	farmer	NOUN
fbem-27700	104	32	'	'	PART
fbem-27700	104	33	access	access	NOUN
fbem-27700	104	34	to	to	ADP
fbem-27700	104	35	credit	credit	NOUN
fbem-27700	104	36	.	.	PUNCT
fbem-27700	105	1	2.2.4	2.2.4	NUM
fbem-27700	105	2	.	.	PUNCT
fbem-27700	105	3	agricultural	agricultural	ADJ
fbem-27700	105	4	digitalization	digitalization	NOUN
fbem-27700	105	5	,	,	PUNCT
fbem-27700	105	6	financial	financial	ADJ
fbem-27700	105	7	marketization	marketization	NOUN
fbem-27700	105	8	,	,	PUNCT
fbem-27700	105	9	and	and	CCONJ
fbem-27700	105	10	farmers	farmer	NOUN
fbem-27700	105	11	'	'	PART
fbem-27700	105	12	access	access	NOUN
fbem-27700	105	13	to	to	ADP
fbem-27700	105	14	credit	credit	NOUN
fbem-27700	105	15	agricultural	agricultural	ADJ
fbem-27700	105	16	digitalization	digitalization	NOUN
fbem-27700	105	17	refers	refer	VERB
fbem-27700	105	18	to	to	ADP
fbem-27700	105	19	the	the	DET
fbem-27700	105	20	process	process	NOUN
fbem-27700	105	21	of	of	ADP
fbem-27700	105	22	promoting	promote	VERB
fbem-27700	105	23	comprehensive	comprehensive	ADJ
fbem-27700	105	24	economic	economic	ADJ
fbem-27700	105	25	,	,	PUNCT
fbem-27700	105	26	social	social	ADJ
fbem-27700	105	27	,	,	PUNCT
fbem-27700	105	28	and	and	CCONJ
fbem-27700	105	29	cultural	cultural	ADJ
fbem-27700	105	30	development	development	NOUN
fbem-27700	105	31	in	in	ADP
fbem-27700	105	32	rural	rural	ADJ
fbem-27700	105	33	areas	area	NOUN
fbem-27700	105	34	through	through	ADP
fbem-27700	105	35	the	the	DET
fbem-27700	105	36	application	application	NOUN
fbem-27700	105	37	of	of	ADP
fbem-27700	105	38	modern	modern	ADJ
fbem-27700	105	39	information	information	NOUN
fbem-27700	105	40	technologies	technology	NOUN
fbem-27700	105	41	,	,	PUNCT
fbem-27700	105	42	especially	especially	ADV
fbem-27700	105	43	the	the	DET
fbem-27700	105	44	internet	internet	NOUN
fbem-27700	105	45	and	and	CCONJ
fbem-27700	105	46	mobile	mobile	ADJ
fbem-27700	105	47	communication	communication	NOUN
fbem-27700	105	48	technologies	technology	NOUN
fbem-27700	105	49	.	.	PUNCT
fbem-27700	106	1	it	it	PRON
fbem-27700	106	2	encompasses	encompass	VERB
fbem-27700	106	3	a	a	DET
fbem-27700	106	4	wide	wide	ADJ
fbem-27700	106	5	range	range	NOUN
fbem-27700	106	6	of	of	ADP
fbem-27700	106	7	fields	field	NOUN
fbem-27700	106	8	,	,	PUNCT
fbem-27700	106	9	including	include	VERB
fbem-27700	106	10	the	the	DET
fbem-27700	106	11	intelligentization	intelligentization	NOUN
fbem-27700	106	12	of	of	ADP
fbem-27700	106	13	agricultural	agricultural	ADJ
fbem-27700	106	14	production	production	NOUN
fbem-27700	106	15	,	,	PUNCT
fbem-27700	106	16	informatization	informatization	NOUN
fbem-27700	106	17	of	of	ADP
fbem-27700	106	18	rural	rural	ADJ
fbem-27700	106	19	governance	governance	NOUN
fbem-27700	106	20	,	,	PUNCT
fbem-27700	106	21	networking	network	VERB
fbem-27700	106	22	of	of	ADP
fbem-27700	106	23	rural	rural	ADJ
fbem-27700	106	24	communities	community	NOUN
fbem-27700	106	25	,	,	PUNCT
fbem-27700	106	26	and	and	CCONJ
fbem-27700	106	27	the	the	DET
fbem-27700	106	28	e	e	NOUN
fbem-27700	106	29	-	-	NOUN
fbem-27700	106	30	commerce	commerce	NOUN
fbem-27700	106	31	of	of	ADP
fbem-27700	106	32	agricultural	agricultural	ADJ
fbem-27700	106	33	products	product	NOUN
fbem-27700	106	34	(	(	PUNCT
fbem-27700	106	35	yin	yin	PROPN
fbem-27700	106	36	haodong	haodong	NOUN
fbem-27700	106	37	,	,	PUNCT
fbem-27700	106	38	2020	2020	NUM
fbem-27700	106	39	)	)	PUNCT
fbem-27700	106	40	.	.	PUNCT
fbem-27700	107	1	the	the	DET
fbem-27700	107	2	limitations	limitation	NOUN
fbem-27700	107	3	in	in	ADP
fbem-27700	107	4	natural	natural	ADJ
fbem-27700	107	5	conditions	condition	NOUN
fbem-27700	107	6	and	and	CCONJ
fbem-27700	107	7	resource	resource	NOUN
fbem-27700	107	8	endowments	endowment	NOUN
fbem-27700	107	9	in	in	ADP
fbem-27700	107	10	rural	rural	ADJ
fbem-27700	107	11	areas	area	NOUN
fbem-27700	107	12	lead	lead	VERB
fbem-27700	107	13	to	to	ADP
fbem-27700	107	14	higher	high	ADJ
fbem-27700	107	15	production	production	NOUN
fbem-27700	107	16	and	and	CCONJ
fbem-27700	107	17	operating	operating	NOUN
fbem-27700	107	18	costs	cost	NOUN
fbem-27700	107	19	,	,	PUNCT
fbem-27700	107	20	as	as	ADV
fbem-27700	107	21	well	well	ADV
fbem-27700	107	22	as	as	ADP
fbem-27700	107	23	increased	increase	VERB
fbem-27700	107	24	risks	risk	NOUN
fbem-27700	107	25	,	,	PUNCT
fbem-27700	107	26	which	which	PRON
fbem-27700	107	27	in	in	ADP
fbem-27700	107	28	turn	turn	NOUN
fbem-27700	107	29	affect	affect	VERB
fbem-27700	107	30	the	the	DET
fbem-27700	107	31	interest	interest	NOUN
fbem-27700	107	32	of	of	ADP
fbem-27700	107	33	financial	financial	ADJ
fbem-27700	107	34	investors	investor	NOUN
fbem-27700	107	35	.	.	PUNCT
fbem-27700	108	1	this	this	PRON
fbem-27700	108	2	is	be	AUX
fbem-27700	108	3	a	a	DET
fbem-27700	108	4	major	major	ADJ
fbem-27700	108	5	reason	reason	NOUN
fbem-27700	108	6	for	for	ADP
fbem-27700	108	7	the	the	DET
fbem-27700	108	8	slow	slow	ADJ
fbem-27700	108	9	or	or	CCONJ
fbem-27700	108	10	even	even	ADV
fbem-27700	108	11	stagnated	stagnate	VERB
fbem-27700	108	12	development	development	NOUN
fbem-27700	108	13	of	of	ADP
fbem-27700	108	14	rural	rural	ADJ
fbem-27700	108	15	finance	finance	NOUN
fbem-27700	108	16	.	.	PUNCT
fbem-27700	109	1	while	while	SCONJ
fbem-27700	109	2	the	the	DET
fbem-27700	109	3	government	government	NOUN
fbem-27700	109	4	has	have	AUX
fbem-27700	109	5	implemented	implement	VERB
fbem-27700	109	6	several	several	ADJ
fbem-27700	109	7	reform	reform	NOUN
fbem-27700	109	8	measures	measure	NOUN
fbem-27700	109	9	with	with	ADP
fbem-27700	109	10	some	some	DET
fbem-27700	109	11	success	success	NOUN
fbem-27700	109	12	,	,	PUNCT
fbem-27700	109	13	the	the	DET
fbem-27700	109	14	overall	overall	ADJ
fbem-27700	109	15	accessibility	accessibility	NOUN
fbem-27700	109	16	of	of	ADP
fbem-27700	109	17	rural	rural	ADJ
fbem-27700	109	18	financial	financial	ADJ
fbem-27700	109	19	services	service	NOUN
fbem-27700	109	20	remains	remain	VERB
fbem-27700	109	21	low	low	ADJ
fbem-27700	109	22	,	,	PUNCT
fbem-27700	109	23	financing	financing	NOUN
fbem-27700	109	24	costs	cost	NOUN
fbem-27700	109	25	remain	remain	VERB
fbem-27700	109	26	high	high	ADJ
fbem-27700	109	27	,	,	PUNCT
fbem-27700	109	28	and	and	CCONJ
fbem-27700	109	29	the	the	DET
fbem-27700	109	30	efficiency	efficiency	NOUN
fbem-27700	109	31	of	of	ADP
fbem-27700	109	32	fund	fund	NOUN
fbem-27700	109	33	utilization	utilization	NOUN
fbem-27700	109	34	remains	remain	VERB
fbem-27700	109	35	poor	poor	ADJ
fbem-27700	109	36	.	.	PUNCT
fbem-27700	110	1	against	against	ADP
fbem-27700	110	2	this	this	DET
fbem-27700	110	3	backdrop	backdrop	NOUN
fbem-27700	110	4	,	,	PUNCT
fbem-27700	110	5	the	the	DET
fbem-27700	110	6	development	development	NOUN
fbem-27700	110	7	and	and	CCONJ
fbem-27700	110	8	application	application	NOUN
fbem-27700	110	9	of	of	ADP
fbem-27700	110	10	information	information	NOUN
fbem-27700	110	11	technologies	technology	NOUN
fbem-27700	110	12	such	such	ADJ
fbem-27700	110	13	as	as	ADP
fbem-27700	110	14	big	big	ADJ
fbem-27700	110	15	data	datum	NOUN
fbem-27700	110	16	,	,	PUNCT
fbem-27700	110	17	the	the	DET
fbem-27700	110	18	internet	internet	NOUN
fbem-27700	110	19	,	,	PUNCT
fbem-27700	110	20	cloud	cloud	NOUN
fbem-27700	110	21	computing	computing	NOUN
fbem-27700	110	22	,	,	PUNCT
fbem-27700	110	23	and	and	CCONJ
fbem-27700	110	24	artificial	artificial	ADJ
fbem-27700	110	25	intelligence	intelligence	NOUN
fbem-27700	110	26	have	have	AUX
fbem-27700	110	27	given	give	VERB
fbem-27700	110	28	rise	rise	NOUN
fbem-27700	110	29	to	to	ADP
fbem-27700	110	30	digital	digital	ADJ
fbem-27700	110	31	finance	finance	NOUN
fbem-27700	110	32	,	,	PUNCT
fbem-27700	110	33	which	which	PRON
fbem-27700	110	34	has	have	AUX
fbem-27700	110	35	rapidly	rapidly	ADV
fbem-27700	110	36	evolved	evolve	VERB
fbem-27700	110	37	into	into	ADP
fbem-27700	110	38	a	a	DET
fbem-27700	110	39	new	new	ADJ
fbem-27700	110	40	form	form	NOUN
fbem-27700	110	41	of	of	ADP
fbem-27700	110	42	financial	financial	ADJ
fbem-27700	110	43	service	service	NOUN
fbem-27700	110	44	(	(	PUNCT
fbem-27700	110	45	huang	huang	PROPN
fbem-27700	110	46	yiping	yiping	PROPN
fbem-27700	110	47	,	,	PUNCT
fbem-27700	110	48	2018	2018	NUM
fbem-27700	110	49	)	)	PUNCT
fbem-27700	110	50	.	.	PUNCT
fbem-27700	111	1	digital	digital	ADJ
fbem-27700	111	2	finance	finance	NOUN
fbem-27700	111	3	,	,	PUNCT
fbem-27700	111	4	through	through	ADP
fbem-27700	111	5	the	the	DET
fbem-27700	111	6	deep	deep	ADJ
fbem-27700	111	7	integration	integration	NOUN
fbem-27700	111	8	of	of	ADP
fbem-27700	111	9	technology	technology	NOUN
fbem-27700	111	10	and	and	CCONJ
fbem-27700	111	11	traditional	traditional	ADJ
fbem-27700	111	12	financial	financial	ADJ
fbem-27700	111	13	services	service	NOUN
fbem-27700	111	14	,	,	PUNCT
fbem-27700	111	15	not	not	PART
fbem-27700	111	16	only	only	ADV
fbem-27700	111	17	changes	change	VERB
fbem-27700	111	18	the	the	DET
fbem-27700	111	19	business	business	NOUN
fbem-27700	111	20	models	model	NOUN
fbem-27700	111	21	of	of	ADP
fbem-27700	111	22	traditional	traditional	ADJ
fbem-27700	111	23	finance	finance	NOUN
fbem-27700	111	24	but	but	CCONJ
fbem-27700	111	25	also	also	ADV
fbem-27700	111	26	broadens	broaden	VERB
fbem-27700	111	27	the	the	DET
fbem-27700	111	28	scope	scope	NOUN
fbem-27700	111	29	of	of	ADP
fbem-27700	111	30	financial	financial	ADJ
fbem-27700	111	31	services	service	NOUN
fbem-27700	111	32	.	.	PUNCT
fbem-27700	112	1	it	it	PRON
fbem-27700	112	2	integrates	integrate	VERB
fbem-27700	112	3	the	the	DET
fbem-27700	112	4	multifunctional	multifunctional	ADJ
fbem-27700	112	5	characteristics	characteristic	NOUN
fbem-27700	112	6	of	of	ADP
fbem-27700	112	7	payment	payment	NOUN
fbem-27700	112	8	,	,	PUNCT
fbem-27700	112	9	information	information	NOUN
fbem-27700	112	10	processing	processing	NOUN
fbem-27700	112	11	,	,	PUNCT
fbem-27700	112	12	and	and	CCONJ
fbem-27700	112	13	resource	resource	NOUN
fbem-27700	112	14	allocation	allocation	NOUN
fbem-27700	112	15	,	,	PUNCT
fbem-27700	112	16	improving	improve	VERB
fbem-27700	112	17	the	the	DET
fbem-27700	112	18	flexibility	flexibility	NOUN
fbem-27700	112	19	and	and	CCONJ
fbem-27700	112	20	diversity	diversity	NOUN
fbem-27700	112	21	of	of	ADP
fbem-27700	112	22	financial	financial	ADJ
fbem-27700	112	23	services	service	NOUN
fbem-27700	112	24	.	.	PUNCT
fbem-27700	113	1	these	these	DET
fbem-27700	113	2	services	service	NOUN
fbem-27700	113	3	not	not	PART
fbem-27700	113	4	only	only	ADV
fbem-27700	113	5	meet	meet	VERB
fbem-27700	113	6	users	user	NOUN
fbem-27700	113	7	'	'	PART
fbem-27700	113	8	needs	need	NOUN
fbem-27700	113	9	for	for	ADP
fbem-27700	113	10	wealth	wealth	NOUN
fbem-27700	113	11	preservation	preservation	NOUN
fbem-27700	113	12	and	and	CCONJ
fbem-27700	113	13	value	value	NOUN
fbem-27700	113	14	appreciation	appreciation	NOUN
fbem-27700	113	15	but	but	CCONJ
fbem-27700	113	16	also	also	ADV
fbem-27700	113	17	provide	provide	VERB
fbem-27700	113	18	effective	effective	ADJ
fbem-27700	113	19	financial	financial	ADJ
fbem-27700	113	20	support	support	NOUN
fbem-27700	113	21	to	to	ADP
fbem-27700	113	22	marginalized	marginalize	VERB
fbem-27700	113	23	groups	group	NOUN
fbem-27700	113	24	(	(	PUNCT
fbem-27700	113	25	xu	xu	PROPN
fbem-27700	113	26	yuyun	yuyun	PROPN
fbem-27700	113	27	,	,	PUNCT
fbem-27700	113	28	2020	2020	NUM
fbem-27700	113	29	)	)	PUNCT
fbem-27700	113	30	.	.	PUNCT
fbem-27700	114	1	the	the	DET
fbem-27700	114	2	development	development	NOUN
fbem-27700	114	3	of	of	ADP
fbem-27700	114	4	digital	digital	ADJ
fbem-27700	114	5	finance	finance	NOUN
fbem-27700	114	6	,	,	PUNCT
fbem-27700	114	7	with	with	ADP
fbem-27700	114	8	more	more	ADV
fbem-27700	114	9	convenient	convenient	ADJ
fbem-27700	114	10	,	,	PUNCT
fbem-27700	114	11	lower	low	ADJ
fbem-27700	114	12	-	-	PUNCT
fbem-27700	114	13	cost	cost	NOUN
fbem-27700	114	14	,	,	PUNCT
fbem-27700	114	15	and	and	CCONJ
fbem-27700	114	16	more	more	ADV
fbem-27700	114	17	sustainable	sustainable	ADJ
fbem-27700	114	18	services	service	NOUN
fbem-27700	114	19	,	,	PUNCT
fbem-27700	114	20	has	have	AUX
fbem-27700	114	21	successfully	successfully	ADV
fbem-27700	114	22	connected	connect	VERB
fbem-27700	114	23	the	the	DET
fbem-27700	114	24	"	"	PUNCT
fbem-27700	114	25	last	last	ADJ
fbem-27700	114	26	mile	mile	NOUN
fbem-27700	114	27	"	"	PUNCT
fbem-27700	114	28	of	of	ADP
fbem-27700	114	29	financial	financial	ADJ
fbem-27700	114	30	services	service	NOUN
fbem-27700	114	31	,	,	PUNCT
fbem-27700	114	32	providing	provide	VERB
fbem-27700	114	33	multi	multi	ADJ
fbem-27700	114	34	-	-	ADJ
fbem-27700	114	35	level	level	ADJ
fbem-27700	114	36	and	and	CCONJ
fbem-27700	114	37	broad	broad	ADJ
fbem-27700	114	38	-	-	PUNCT
fbem-27700	114	39	field	field	NOUN
fbem-27700	114	40	financial	financial	ADJ
fbem-27700	114	41	support	support	NOUN
fbem-27700	114	42	for	for	ADP
fbem-27700	114	43	the	the	DET
fbem-27700	114	44	integrated	integrate	VERB
fbem-27700	114	45	development	development	NOUN
fbem-27700	114	46	of	of	ADP
fbem-27700	114	47	rural	rural	ADJ
fbem-27700	114	48	industries	industry	NOUN
fbem-27700	114	49	,	,	PUNCT
fbem-27700	114	50	optimizing	optimize	VERB
fbem-27700	114	51	the	the	DET
fbem-27700	114	52	allocation	allocation	NOUN
fbem-27700	114	53	of	of	ADP
fbem-27700	114	54	financial	financial	ADJ
fbem-27700	114	55	resources	resource	NOUN
fbem-27700	114	56	,	,	PUNCT
fbem-27700	114	57	and	and	CCONJ
fbem-27700	114	58	significantly	significantly	ADV
fbem-27700	114	59	promoting	promote	VERB
fbem-27700	114	60	the	the	DET
fbem-27700	114	61	comprehensive	comprehensive	ADJ
fbem-27700	114	62	development	development	NOUN
fbem-27700	114	63	of	of	ADP
fbem-27700	114	64	rural	rural	ADJ
fbem-27700	114	65	economies	economy	NOUN
fbem-27700	114	66	and	and	CCONJ
fbem-27700	114	67	societies	society	NOUN
fbem-27700	114	68	(	(	PUNCT
fbem-27700	114	69	tang	tang	NOUN
fbem-27700	114	70	wenhao	wenhao	NOUN
fbem-27700	114	71	,	,	PUNCT
fbem-27700	114	72	2022	2022	NUM
fbem-27700	114	73	)	)	PUNCT
fbem-27700	114	74	.	.	PUNCT
fbem-27700	115	1	among	among	ADP
fbem-27700	115	2	these	these	PRON
fbem-27700	115	3	,	,	PUNCT
fbem-27700	115	4	digital	digital	ADJ
fbem-27700	115	5	agriculture	agriculture	NOUN
fbem-27700	115	6	as	as	ADP
fbem-27700	115	7	a	a	DET
fbem-27700	115	8	new	new	ADJ
fbem-27700	115	9	business	business	NOUN
fbem-27700	115	10	model	model	NOUN
fbem-27700	115	11	is	be	AUX
fbem-27700	115	12	gradually	gradually	ADV
fbem-27700	115	13	gaining	gain	VERB
fbem-27700	115	14	recognition	recognition	NOUN
fbem-27700	115	15	.	.	PUNCT
fbem-27700	116	1	it	it	PRON
fbem-27700	116	2	not	not	PART
fbem-27700	116	3	only	only	ADV
fbem-27700	116	4	helps	help	VERB
fbem-27700	116	5	farmers	farmer	NOUN
fbem-27700	116	6	increase	increase	VERB
fbem-27700	116	7	their	their	PRON
fbem-27700	116	8	incomes	income	NOUN
fbem-27700	116	9	but	but	CCONJ
fbem-27700	116	10	also	also	ADV
fbem-27700	116	11	lowers	lower	VERB
fbem-27700	116	12	the	the	DET
fbem-27700	116	13	lending	lending	NOUN
fbem-27700	116	14	threshold	threshold	NOUN
fbem-27700	116	15	in	in	ADP
fbem-27700	116	16	rural	rural	ADJ
fbem-27700	116	17	areas	area	NOUN
fbem-27700	116	18	,	,	PUNCT
fbem-27700	116	19	improves	improve	VERB
fbem-27700	116	20	the	the	DET
fbem-27700	116	21	efficiency	efficiency	NOUN
fbem-27700	116	22	of	of	ADP
fbem-27700	116	23	fund	fund	NOUN
fbem-27700	116	24	utilization	utilization	NOUN
fbem-27700	116	25	,	,	PUNCT
fbem-27700	116	26	and	and	CCONJ
fbem-27700	116	27	alleviates	alleviate	VERB
fbem-27700	116	28	the	the	DET
fbem-27700	116	29	current	current	ADJ
fbem-27700	116	30	financing	financing	NOUN
fbem-27700	116	31	difficulties	difficulty	NOUN
fbem-27700	116	32	faced	face	VERB
fbem-27700	116	33	by	by	ADP
fbem-27700	116	34	the	the	DET
fbem-27700	116	35	"	"	PUNCT
fbem-27700	116	36	three	three	NUM
fbem-27700	116	37	rural	rural	ADJ
fbem-27700	116	38	issues	issue	NOUN
fbem-27700	116	39	"	"	PUNCT
fbem-27700	116	40	in	in	ADP
fbem-27700	116	41	china	china	PROPN
fbem-27700	116	42	(	(	PUNCT
fbem-27700	116	43	huang	huang	PROPN
fbem-27700	116	44	yiping	yiping	PROPN
fbem-27700	116	45	,	,	PUNCT
fbem-27700	116	46	2018	2018	NUM
fbem-27700	116	47	)	)	PUNCT
fbem-27700	116	48	.	.	PUNCT
fbem-27700	117	1	traditionally	traditionally	ADV
fbem-27700	117	2	,	,	PUNCT
fbem-27700	117	3	credit	credit	NOUN
fbem-27700	117	4	is	be	AUX
fbem-27700	117	5	verified	verify	VERB
fbem-27700	117	6	through	through	ADP
fbem-27700	117	7	the	the	DET
fbem-27700	117	8	use	use	NOUN
fbem-27700	117	9	of	of	ADP
fbem-27700	117	10	existing	exist	VERB
fbem-27700	117	11	assets	asset	NOUN
fbem-27700	117	12	as	as	ADP
fbem-27700	117	13	collateral	collateral	NOUN
fbem-27700	117	14	.	.	PUNCT
fbem-27700	118	1	however	however	ADV
fbem-27700	118	2	,	,	PUNCT
fbem-27700	118	3	with	with	ADP
fbem-27700	118	4	the	the	DET
fbem-27700	118	5	application	application	NOUN
fbem-27700	118	6	of	of	ADP
fbem-27700	118	7	digital	digital	ADJ
fbem-27700	118	8	technology	technology	NOUN
fbem-27700	118	9	,	,	PUNCT
fbem-27700	118	10	information	information	NOUN
fbem-27700	118	11	from	from	ADP
fbem-27700	118	12	agricultural	agricultural	ADJ
fbem-27700	118	13	production	production	NOUN
fbem-27700	118	14	can	can	AUX
fbem-27700	118	15	also	also	ADV
fbem-27700	118	16	be	be	AUX
fbem-27700	118	17	used	use	VERB
fbem-27700	118	18	to	to	PART
fbem-27700	118	19	generate	generate	VERB
fbem-27700	118	20	credit	credit	NOUN
fbem-27700	118	21	.	.	PUNCT
fbem-27700	119	1	financial	financial	ADJ
fbem-27700	119	2	institutions	institution	NOUN
fbem-27700	119	3	can	can	AUX
fbem-27700	119	4	invest	invest	VERB
fbem-27700	119	5	in	in	ADP
fbem-27700	119	6	digital	digital	ADJ
fbem-27700	119	7	development	development	NOUN
fbem-27700	119	8	and	and	CCONJ
fbem-27700	119	9	launch	launch	VERB
fbem-27700	119	10	more	more	ADV
fbem-27700	119	11	convenient	convenient	ADJ
fbem-27700	119	12	and	and	CCONJ
fbem-27700	119	13	faster	fast	ADJ
fbem-27700	119	14	financial	financial	ADJ
fbem-27700	119	15	products	product	NOUN
fbem-27700	119	16	.	.	PUNCT
fbem-27700	120	1	at	at	ADP
fbem-27700	120	2	the	the	DET
fbem-27700	120	3	same	same	ADJ
fbem-27700	120	4	time	time	NOUN
fbem-27700	120	5	,	,	PUNCT
fbem-27700	120	6	loan	loan	NOUN
fbem-27700	120	7	officers	officer	NOUN
fbem-27700	120	8	can	can	AUX
fbem-27700	120	9	help	help	VERB
fbem-27700	120	10	farmers	farmer	NOUN
fbem-27700	120	11	learn	learn	VERB
fbem-27700	120	12	to	to	PART
fbem-27700	120	13	use	use	VERB
fbem-27700	120	14	these	these	DET
fbem-27700	120	15	digital	digital	ADJ
fbem-27700	120	16	products	product	NOUN
fbem-27700	120	17	,	,	PUNCT
fbem-27700	120	18	thereby	thereby	ADV
fbem-27700	120	19	improving	improve	VERB
fbem-27700	120	20	farmers	farmer	NOUN
fbem-27700	120	21	'	'	PART
fbem-27700	120	22	access	access	NOUN
fbem-27700	120	23	to	to	ADP
fbem-27700	120	24	credit	credit	NOUN
fbem-27700	120	25	.	.	PUNCT
fbem-27700	121	1	based	base	VERB
fbem-27700	121	2	on	on	ADP
fbem-27700	121	3	the	the	DET
fbem-27700	121	4	above	above	NOUN
fbem-27700	121	5	,	,	PUNCT
fbem-27700	121	6	the	the	DET
fbem-27700	121	7	fourth	fourth	ADJ
fbem-27700	121	8	hypothesis	hypothesis	NOUN
fbem-27700	121	9	is	be	AUX
fbem-27700	121	10	proposed	propose	VERB
fbem-27700	121	11	:	:	PUNCT
fbem-27700	121	12	hypothesis	hypothesis	NOUN
fbem-27700	121	13	4	4	NUM
fbem-27700	121	14	:	:	PUNCT
fbem-27700	121	15	the	the	DET
fbem-27700	121	16	improvement	improvement	NOUN
fbem-27700	121	17	of	of	ADP
fbem-27700	121	18	agricultural	agricultural	ADJ
fbem-27700	121	19	digitalization	digitalization	NOUN
fbem-27700	121	20	enhances	enhance	VERB
fbem-27700	121	21	the	the	DET
fbem-27700	121	22	impact	impact	NOUN
fbem-27700	121	23	of	of	ADP
fbem-27700	121	24	free	free	ADJ
fbem-27700	121	25	competition	competition	NOUN
fbem-27700	121	26	among	among	ADP
fbem-27700	121	27	financial	financial	ADJ
fbem-27700	121	28	institutions	institution	NOUN
fbem-27700	121	29	on	on	ADP
fbem-27700	121	30	farmers	farmer	NOUN
fbem-27700	121	31	'	'	PART
fbem-27700	121	32	access	access	NOUN
fbem-27700	121	33	to	to	ADP
fbem-27700	121	34	credit	credit	NOUN
fbem-27700	121	35	.	.	PUNCT
fbem-27700	122	1	3	3	X
fbem-27700	122	2	.	.	X
fbem-27700	122	3	empirical	empirical	ADJ
fbem-27700	122	4	research	research	NOUN
fbem-27700	122	5	design	design	NOUN
fbem-27700	122	6	3.1	3.1	NUM
fbem-27700	122	7	.	.	PUNCT
fbem-27700	123	1	research	research	NOUN
fbem-27700	123	2	design	design	NOUN
fbem-27700	123	3	this	this	DET
fbem-27700	123	4	paper	paper	NOUN
fbem-27700	123	5	examines	examine	VERB
fbem-27700	123	6	the	the	DET
fbem-27700	123	7	impact	impact	NOUN
fbem-27700	123	8	of	of	ADP
fbem-27700	123	9	the	the	DET
fbem-27700	123	10	degree	degree	NOUN
fbem-27700	123	11	of	of	ADP
fbem-27700	123	12	competition	competition	NOUN
fbem-27700	123	13	among	among	ADP
fbem-27700	123	14	financial	financial	ADJ
fbem-27700	123	15	institutions	institution	NOUN
fbem-27700	123	16	on	on	ADP
fbem-27700	123	17	farmers	farmer	NOUN
fbem-27700	123	18	'	'	PART
fbem-27700	123	19	access	access	NOUN
fbem-27700	123	20	to	to	ADP
fbem-27700	123	21	credit	credit	NOUN
fbem-27700	123	22	and	and	CCONJ
fbem-27700	123	23	its	its	PRON
fbem-27700	123	24	influencing	influence	VERB
fbem-27700	123	25	factors	factor	NOUN
fbem-27700	123	26	.	.	PUNCT
fbem-27700	124	1	given	give	VERB
fbem-27700	124	2	that	that	SCONJ
fbem-27700	124	3	this	this	DET
fbem-27700	124	4	experiment	experiment	NOUN
fbem-27700	124	5	is	be	AUX
fbem-27700	124	6	a	a	DET
fbem-27700	124	7	dynamic	dynamic	ADJ
fbem-27700	124	8	process	process	NOUN
fbem-27700	124	9	,	,	PUNCT
fbem-27700	124	10	a	a	DET
fbem-27700	124	11	difference	difference	NOUN
fbem-27700	124	12	-	-	PUNCT
fbem-27700	124	13	in	in	ADP
fbem-27700	124	14	-	-	PUNCT
fbem-27700	124	15	differences	difference	NOUN
fbem-27700	124	16	(	(	PUNCT
fbem-27700	124	17	did	do	AUX
fbem-27700	124	18	)	)	PUNCT
fbem-27700	124	19	model	model	NOUN
fbem-27700	124	20	is	be	AUX
fbem-27700	124	21	used	use	VERB
fbem-27700	124	22	to	to	PART
fbem-27700	124	23	explore	explore	VERB
fbem-27700	124	24	the	the	DET
fbem-27700	124	25	differences	difference	NOUN
fbem-27700	124	26	in	in	ADP
fbem-27700	124	27	farmers	farmer	NOUN
fbem-27700	124	28	'	'	PART
fbem-27700	124	29	loan	loan	NOUN
fbem-27700	124	30	accessibility	accessibility	NOUN
fbem-27700	124	31	under	under	ADP
fbem-27700	124	32	varying	vary	VERB
fbem-27700	124	33	levels	level	NOUN
fbem-27700	124	34	of	of	ADP
fbem-27700	124	35	competition	competition	NOUN
fbem-27700	124	36	among	among	ADP
fbem-27700	124	37	financial	financial	ADJ
fbem-27700	124	38	institutions	institution	NOUN
fbem-27700	124	39	before	before	ADP
fbem-27700	124	40	and	and	CCONJ
fbem-27700	124	41	after	after	ADP
fbem-27700	124	42	the	the	DET
fbem-27700	124	43	basic	basic	ADJ
fbem-27700	124	44	completion	completion	NOUN
fbem-27700	124	45	of	of	ADP
fbem-27700	124	46	interest	interest	NOUN
fbem-27700	124	47	rate	rate	NOUN
fbem-27700	124	48	liberalization	liberalization	NOUN
fbem-27700	124	49	.	.	PUNCT
fbem-27700	125	1	when	when	SCONJ
fbem-27700	125	2	conducting	conduct	VERB
fbem-27700	125	3	policy	policy	NOUN
fbem-27700	125	4	experiments	experiment	NOUN
fbem-27700	125	5	with	with	ADP
fbem-27700	125	6	the	the	DET
fbem-27700	125	7	generalized	generalize	VERB
fbem-27700	125	8	did	do	AUX
fbem-27700	125	9	model	model	NOUN
fbem-27700	125	10	,	,	PUNCT
fbem-27700	125	11	individuals	individual	NOUN
fbem-27700	125	12	are	be	AUX
fbem-27700	125	13	typically	typically	ADV
fbem-27700	125	14	divided	divide	VERB
fbem-27700	125	15	into	into	ADP
fbem-27700	125	16	an	an	DET
fbem-27700	125	17	experimental	experimental	ADJ
fbem-27700	125	18	group	group	NOUN
fbem-27700	125	19	and	and	CCONJ
fbem-27700	125	20	a	a	DET
fbem-27700	125	21	control	control	NOUN
fbem-27700	125	22	group	group	NOUN
fbem-27700	125	23	,	,	PUNCT
fbem-27700	125	24	and	and	CCONJ
fbem-27700	125	25	crossperiod	crossperiod	NOUN
fbem-27700	125	26	differences	difference	NOUN
fbem-27700	125	27	between	between	ADP
fbem-27700	125	28	the	the	DET
fbem-27700	125	29	experimental	experimental	ADJ
fbem-27700	125	30	and	and	CCONJ
fbem-27700	125	31	control	control	NOUN
fbem-27700	125	32	groups	group	NOUN
fbem-27700	125	33	before	before	ADP
fbem-27700	125	34	and	and	CCONJ
fbem-27700	125	35	after	after	SCONJ
fbem-27700	125	36	the	the	DET
fbem-27700	125	37	policy	policy	NOUN
fbem-27700	125	38	implementation	implementation	NOUN
fbem-27700	125	39	are	be	AUX
fbem-27700	125	40	analyzed	analyze	VERB
fbem-27700	125	41	.	.	PUNCT
fbem-27700	126	1	the	the	DET
fbem-27700	126	2	policy	policy	NOUN
fbem-27700	126	3	implementation	implementation	NOUN
fbem-27700	126	4	point	point	NOUN
fbem-27700	126	5	is	be	AUX
fbem-27700	126	6	the	the	DET
fbem-27700	126	7	same	same	ADJ
fbem-27700	126	8	for	for	ADP
fbem-27700	126	9	all	all	DET
fbem-27700	126	10	members	member	NOUN
fbem-27700	126	11	of	of	ADP
fbem-27700	126	12	the	the	DET
fbem-27700	126	13	experimental	experimental	ADJ
fbem-27700	126	14	group	group	NOUN
fbem-27700	126	15	.	.	PUNCT
fbem-27700	127	1	since	since	SCONJ
fbem-27700	127	2	there	there	PRON
fbem-27700	127	3	is	be	VERB
fbem-27700	127	4	no	no	DET
fbem-27700	127	5	theoretical	theoretical	ADJ
fbem-27700	127	6	control	control	NOUN
fbem-27700	127	7	group	group	NOUN
fbem-27700	127	8	in	in	ADP
fbem-27700	127	9	this	this	DET
fbem-27700	127	10	study	study	NOUN
fbem-27700	127	11	,	,	PUNCT
fbem-27700	127	12	the	the	DET
fbem-27700	127	13	generalized	generalize	VERB
fbem-27700	127	14	did	do	AUX
fbem-27700	127	15	model	model	NOUN
fbem-27700	127	16	is	be	AUX
fbem-27700	127	17	employed	employ	VERB
fbem-27700	127	18	.	.	PUNCT
fbem-27700	128	1	in	in	ADP
fbem-27700	128	2	the	the	DET
fbem-27700	128	3	model,𝑌	model,𝑌	NOUN
fbem-27700	128	4	represents	represent	VERB
fbem-27700	128	5	the	the	DET
fbem-27700	128	6	dependent	dependent	ADJ
fbem-27700	128	7	variable	variable	NOUN
fbem-27700	128	8	,	,	PUNCT
fbem-27700	128	9	and	and	CCONJ
fbem-27700	128	10	𝐻𝐻𝐼𝑖	𝐻𝐻𝐼𝑖	PROPN
fbem-27700	128	11	×	×	PROPN
fbem-27700	128	12	𝑃𝑜𝑠𝑡𝑡	𝑃𝑜𝑠𝑡𝑡	PROPN
fbem-27700	128	13	represents	represent	VERB
fbem-27700	128	14	the	the	DET
fbem-27700	128	15	did	did	ADJ
fbem-27700	128	16	dummy	dummy	ADJ
fbem-27700	128	17	variable	variable	NOUN
fbem-27700	128	18	.	.	PUNCT
fbem-27700	129	1	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑖𝑡	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑖𝑡	PROPN
fbem-27700	129	2	are	be	AUX
fbem-27700	129	3	the	the	DET
fbem-27700	129	4	control	control	NOUN
fbem-27700	129	5	variables	variable	NOUN
fbem-27700	129	6	,	,	PUNCT
fbem-27700	129	7	𝜇𝑖	𝜇𝑖	AUX
fbem-27700	129	8	represents	represent	VERB
fbem-27700	129	9	the	the	DET
fbem-27700	129	10	individual	individual	ADJ
fbem-27700	129	11	fixed	fix	VERB
fbem-27700	129	12	effects	effect	NOUN
fbem-27700	129	13	,	,	PUNCT
fbem-27700	129	14	𝜎𝑡	𝜎𝑡	PROPN
fbem-27700	129	15	represents	represent	VERB
fbem-27700	129	16	the	the	DET
fbem-27700	129	17	year	year	NOUN
fbem-27700	129	18	fixed	fix	VERB
fbem-27700	129	19	effects	effect	NOUN
fbem-27700	129	20	,	,	PUNCT
fbem-27700	129	21	and	and	CCONJ
fbem-27700	129	22	𝜀𝑖𝑡	𝜀𝑖𝑡	VERB
fbem-27700	129	23	represents	represent	VERB
fbem-27700	129	24	the	the	DET
fbem-27700	129	25	random	random	ADJ
fbem-27700	129	26	error	error	NOUN
fbem-27700	129	27	term	term	NOUN
fbem-27700	129	28	.	.	PUNCT
fbem-27700	130	1	𝐷𝐾𝑖𝑡	𝐷𝐾𝑖𝑡	NOUN
fbem-27700	130	2	=	=	PUNCT
fbem-27700	131	1	𝛽0	𝛽0	PROPN
fbem-27700	131	2	+	+	CCONJ
fbem-27700	131	3	𝛽1𝐻𝐻𝐼𝑖	𝛽1𝐻𝐻𝐼𝑖	PROPN
fbem-27700	131	4	×	×	PROPN
fbem-27700	131	5	𝑃𝑜𝑠𝑡𝑡	𝑃𝑜𝑠𝑡𝑡	PROPN
fbem-27700	131	6	+	+	CCONJ
fbem-27700	131	7	𝛽2	𝛽2	PROPN
fbem-27700	131	8	∑	∑	PROPN
fbem-27700	131	9	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑖𝑡	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑖𝑡	PROPN
fbem-27700	131	10	+	+	CCONJ
fbem-27700	131	11	𝜇𝑖	𝜇𝑖	ADP
fbem-27700	131	12	+	+	SYM
fbem-27700	131	13	𝜎𝑡	𝜎𝑡	ADP
fbem-27700	131	14	+	+	CCONJ
fbem-27700	131	15	𝜀𝑖𝑡	𝜀𝑖𝑡	VERB
fbem-27700	131	16	moderating	moderating	NOUN
fbem-27700	131	17	effect	effect	NOUN
fbem-27700	131	18	model	model	NOUN
fbem-27700	131	19	,	,	PUNCT
fbem-27700	131	20	in	in	ADP
fbem-27700	131	21	the	the	DET
fbem-27700	131	22	moderating	moderate	VERB
fbem-27700	131	23	effect	effect	NOUN
fbem-27700	131	24	model	model	NOUN
fbem-27700	131	25	,	,	PUNCT
fbem-27700	131	26	𝑀𝑖𝑡	𝑀𝑖𝑡	PROPN
fbem-27700	131	27	represents	represent	VERB
fbem-27700	131	28	the	the	DET
fbem-27700	131	29	moderating	moderate	VERB
fbem-27700	131	30	variables	variable	NOUN
fbem-27700	131	31	,	,	PUNCT
fbem-27700	131	32	specifically	specifically	ADV
fbem-27700	131	33	the	the	DET
fbem-27700	131	34	level	level	NOUN
fbem-27700	131	35	of	of	ADP
fbem-27700	131	36	agricultural	agricultural	ADJ
fbem-27700	131	37	industrialization	industrialization	NOUN
fbem-27700	131	38	and	and	CCONJ
fbem-27700	131	39	the	the	DET
fbem-27700	131	40	level	level	NOUN
fbem-27700	131	41	of	of	ADP
fbem-27700	131	42	agricultural	agricultural	ADJ
fbem-27700	131	43	digitalization	digitalization	NOUN
fbem-27700	131	44	.	.	PUNCT
fbem-27700	132	1	𝐷𝐾𝑖𝑡	𝐷𝐾𝑖𝑡	PROPN
fbem-27700	132	2	=	=	PUNCT
fbem-27700	133	1	𝛽0	𝛽0	PROPN
fbem-27700	133	2	+	+	CCONJ
fbem-27700	133	3	𝛽1𝑀𝑖𝑡	𝛽1𝑀𝑖𝑡	X
fbem-27700	133	4	×	×	PROPN
fbem-27700	133	5	𝐻𝐻𝐼𝑖	𝐻𝐻𝐼𝑖	X
fbem-27700	133	6	×	×	PROPN
fbem-27700	133	7	𝑃𝑜𝑠𝑡𝑡	𝑃𝑜𝑠𝑡𝑡	PROPN
fbem-27700	133	8	+	+	CCONJ
fbem-27700	133	9	𝛽2𝐻𝐻𝐼𝑖	𝛽2𝐻𝐻𝐼𝑖	PROPN
fbem-27700	133	10	×	×	PROPN
fbem-27700	133	11	𝑃𝑜𝑠𝑡𝑡	𝑃𝑜𝑠𝑡𝑡	PROPN
fbem-27700	133	12	+	+	CCONJ
fbem-27700	133	13	𝛽3𝑀𝑖𝑡	𝛽3𝑀𝑖𝑡	NOUN
fbem-27700	133	14	+	+	CCONJ
fbem-27700	133	15	𝛽4	𝛽4	PROPN
fbem-27700	133	16	∑	∑	PUNCT
fbem-27700	133	17	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑖𝑡	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑖𝑡	PROPN
fbem-27700	133	18	+	+	CCONJ
fbem-27700	133	19	𝜇𝑖	𝜇𝑖	ADP
fbem-27700	133	20	+	+	SYM
fbem-27700	133	21	𝜎𝑡	𝜎𝑡	ADV
fbem-27700	133	22	+	+	CCONJ
fbem-27700	133	23	𝜀𝑖𝑡	𝜀𝑖𝑡	VERB
fbem-27700	133	24	3.2	3.2	NUM
fbem-27700	133	25	.	.	PUNCT
fbem-27700	134	1	variable	variable	ADJ
fbem-27700	134	2	selection	selection	NOUN
fbem-27700	134	3	dependent	dependent	ADJ
fbem-27700	134	4	variable	variable	NOUN
fbem-27700	134	5	:	:	PUNCT
fbem-27700	134	6	farmers	farmer	NOUN
fbem-27700	134	7	'	'	PART
fbem-27700	134	8	loan	loan	NOUN
fbem-27700	134	9	accessibility	accessibility	NOUN
fbem-27700	134	10	𝐷𝐾.	𝐷𝐾.	NOUN
fbem-27700	134	11	due	due	ADP
fbem-27700	134	12	to	to	ADP
fbem-27700	134	13	data	datum	NOUN
fbem-27700	134	14	limitations	limitation	NOUN
fbem-27700	134	15	,	,	PUNCT
fbem-27700	134	16	the	the	DET
fbem-27700	134	17	balance	balance	NOUN
fbem-27700	134	18	of	of	ADP
fbem-27700	134	19	farmers	farmer	NOUN
fbem-27700	134	20	'	'	PART
fbem-27700	134	21	borrowed	borrow	VERB
fbem-27700	134	22	funds	fund	NOUN
fbem-27700	134	23	at	at	ADP
fbem-27700	134	24	the	the	DET
fbem-27700	134	25	end	end	NOUN
fbem-27700	134	26	of	of	ADP
fbem-27700	134	27	the	the	DET
fbem-27700	134	28	year	year	NOUN
fbem-27700	134	29	is	be	AUX
fbem-27700	134	30	used	use	VERB
fbem-27700	134	31	as	as	ADP
fbem-27700	134	32	the	the	DET
fbem-27700	134	33	indicator	indicator	NOUN
fbem-27700	134	34	for	for	ADP
fbem-27700	134	35	measuring	measure	VERB
fbem-27700	134	36	loan	loan	NOUN
fbem-27700	134	37	accessibility	accessibility	NOUN
fbem-27700	134	38	.	.	PUNCT
fbem-27700	135	1	a	a	DET
fbem-27700	135	2	value	value	NOUN
fbem-27700	135	3	of	of	ADP
fbem-27700	135	4	1	1	NUM
fbem-27700	135	5	is	be	AUX
fbem-27700	135	6	assigned	assign	VERB
fbem-27700	135	7	if	if	SCONJ
fbem-27700	135	8	there	there	PRON
fbem-27700	135	9	is	be	VERB
fbem-27700	135	10	a	a	DET
fbem-27700	135	11	balance	balance	NOUN
fbem-27700	135	12	of	of	ADP
fbem-27700	135	13	borrowed	borrow	VERB
fbem-27700	135	14	funds	fund	NOUN
fbem-27700	135	15	,	,	PUNCT
fbem-27700	135	16	and	and	CCONJ
fbem-27700	135	17	0	0	NUM
fbem-27700	135	18	otherwise	otherwise	ADV
fbem-27700	135	19	.	.	PUNCT
fbem-27700	136	1	independent	independent	ADJ
fbem-27700	136	2	variable	variable	NOUN
fbem-27700	136	3	:	:	PUNCT
fbem-27700	136	4	*	*	PUNCT
fbem-27700	136	5	*	*	PUNCT
fbem-27700	136	6	difference	difference	NOUN
fbem-27700	136	7	-	-	PUNCT
fbem-27700	136	8	in	in	ADP
fbem-27700	136	9	-	-	PUNCT
fbem-27700	136	10	differences	difference	NOUN
fbem-27700	136	11	interaction	interaction	NOUN
fbem-27700	136	12	term	term	NOUN
fbem-27700	136	13	*	*	NOUN
fbem-27700	136	14	*	*	NOUN
fbem-27700	136	15	.	.	PUNCT
fbem-27700	137	1	𝐻𝐻𝐼𝑖	𝐻𝐻𝐼𝑖	PROPN
fbem-27700	137	2	represents	represent	VERB
fbem-27700	137	3	the	the	DET
fbem-27700	137	4	degree	degree	NOUN
fbem-27700	137	5	of	of	ADP
fbem-27700	137	6	financial	financial	ADJ
fbem-27700	137	7	institution	institution	NOUN
fbem-27700	137	8	competition	competition	NOUN
fbem-27700	137	9	.	.	PUNCT
fbem-27700	138	1	following	follow	VERB
fbem-27700	138	2	the	the	DET
fbem-27700	138	3	methodology	methodology	NOUN
fbem-27700	138	4	of	of	ADP
fbem-27700	138	5	qi	qi	PROPN
fbem-27700	138	6	hao	hao	PROPN
fbem-27700	138	7	(	(	PUNCT
fbem-27700	138	8	2022	2022	NUM
fbem-27700	138	9	)	)	PUNCT
fbem-27700	138	10	,	,	PUNCT
fbem-27700	138	11	the	the	DET
fbem-27700	138	12	herfindahl	herfindahl	NOUN
fbem-27700	138	13	-	-	PUNCT
fbem-27700	138	14	hirschman	hirschman	NOUN
fbem-27700	138	15	index	index	NOUN
fbem-27700	138	16	(	(	PUNCT
fbem-27700	138	17	𝐻𝐻𝐼𝑖	𝐻𝐻𝐼𝑖	PROPN
fbem-27700	138	18	)	)	PUNCT
fbem-27700	138	19	is	be	AUX
fbem-27700	138	20	used	use	VERB
fbem-27700	138	21	to	to	PART
fbem-27700	138	22	measure	measure	VERB
fbem-27700	138	23	financial	financial	ADJ
fbem-27700	138	24	institution	institution	NOUN
fbem-27700	138	25	competition	competition	NOUN
fbem-27700	138	26	.	.	PUNCT
fbem-27700	139	1	the	the	DET
fbem-27700	139	2	calculation	calculation	NOUN
fbem-27700	139	3	aggregates	aggregate	VERB
fbem-27700	139	4	347	347	NUM
fbem-27700	139	5	the	the	DET
fbem-27700	139	6	squared	squared	ADJ
fbem-27700	139	7	market	market	NOUN
fbem-27700	139	8	share	share	NOUN
fbem-27700	139	9	of	of	ADP
fbem-27700	139	10	various	various	ADJ
fbem-27700	139	11	bank	bank	NOUN
fbem-27700	139	12	branches	branch	NOUN
fbem-27700	139	13	within	within	ADP
fbem-27700	139	14	a	a	DET
fbem-27700	139	15	given	give	VERB
fbem-27700	139	16	county	county	NOUN
fbem-27700	139	17	:	:	PUNCT
fbem-27700	139	18	𝐻𝐻𝐼𝑖	𝐻𝐻𝐼𝑖	X
fbem-27700	139	19	=	=	SYM
fbem-27700	139	20	∑	∑	PUNCT
fbem-27700	139	21	(	(	PUNCT
fbem-27700	139	22	𝑏𝑟𝑎𝑛𝑐ℎ𝑖𝑗/	𝑏𝑟𝑎𝑛𝑐ℎ𝑖𝑗/	NUM
fbem-27700	139	23	∑	∑	SYM
fbem-27700	139	24	𝑏𝑟𝑎𝑛𝑐ℎ𝑖𝑗	𝑏𝑟𝑎𝑛𝑐ℎ𝑖𝑗	PROPN
fbem-27700	139	25	)	)	PUNCT
fbem-27700	140	1	2𝑁𝑖	2𝑁𝑖	NUM
fbem-27700	141	1	𝑗=1	𝑗=1	NOUN
fbem-27700	142	1	𝑁𝑖	𝑁𝑖	NOUN
fbem-27700	142	2	𝑗=1	𝑗=1	NOUN
fbem-27700	142	3	where	where	SCONJ
fbem-27700	142	4	\	\	PROPN
fbem-27700	142	5	(	(	PUNCT
fbem-27700	142	6	𝑏𝑟𝑎𝑛𝑐ℎ	𝑏𝑟𝑎𝑛𝑐ℎ	PROPN
fbem-27700	142	7	)	)	PUNCT
fbem-27700	142	8	is	be	AUX
fbem-27700	142	9	the	the	DET
fbem-27700	142	10	number	number	NOUN
fbem-27700	142	11	of	of	ADP
fbem-27700	142	12	branches	branch	NOUN
fbem-27700	142	13	of	of	ADP
fbem-27700	142	14	bank	bank	PROPN
fbem-27700	142	15	in	in	ADP
fbem-27700	142	16	county	county	NOUN
fbem-27700	142	17	,	,	PUNCT
fbem-27700	142	18	and	and	CCONJ
fbem-27700	142	19	𝑁𝑖	𝑁𝑖	PROPN
fbem-27700	142	20	is	be	AUX
fbem-27700	142	21	the	the	DET
fbem-27700	142	22	total	total	ADJ
fbem-27700	142	23	number	number	NOUN
fbem-27700	142	24	of	of	ADP
fbem-27700	142	25	bank	bank	NOUN
fbem-27700	142	26	branches	branch	NOUN
fbem-27700	142	27	in	in	ADP
fbem-27700	142	28	county	county	NOUN
fbem-27700	142	29	.	.	PUNCT
fbem-27700	143	1	the	the	DET
fbem-27700	143	2	index	index	NOUN
fbem-27700	143	3	ranges	range	VERB
fbem-27700	143	4	from	from	ADP
fbem-27700	143	5	0	0	NUM
fbem-27700	143	6	to	to	ADP
fbem-27700	143	7	1	1	NUM
fbem-27700	143	8	,	,	PUNCT
fbem-27700	143	9	with	with	ADP
fbem-27700	143	10	lower	low	ADJ
fbem-27700	143	11	values	value	NOUN
fbem-27700	143	12	indicating	indicate	VERB
fbem-27700	143	13	higher	high	ADJ
fbem-27700	143	14	competition	competition	NOUN
fbem-27700	143	15	.	.	PUNCT
fbem-27700	144	1	𝑃𝑜𝑠𝑡	𝑃𝑜𝑠𝑡	PROPN
fbem-27700	144	2	is	be	AUX
fbem-27700	144	3	a	a	DET
fbem-27700	144	4	time	time	NOUN
fbem-27700	144	5	grouping	group	VERB
fbem-27700	144	6	variable	variable	NOUN
fbem-27700	144	7	,	,	PUNCT
fbem-27700	144	8	assigned	assign	VERB
fbem-27700	144	9	a	a	DET
fbem-27700	144	10	value	value	NOUN
fbem-27700	144	11	of	of	ADP
fbem-27700	144	12	0	0	NUM
fbem-27700	144	13	before	before	ADP
fbem-27700	144	14	2013	2013	NUM
fbem-27700	144	15	and	and	CCONJ
fbem-27700	144	16	1	1	NUM
fbem-27700	144	17	after	after	ADP
fbem-27700	144	18	2013	2013	NUM
fbem-27700	144	19	.	.	PUNCT
fbem-27700	145	1	mechanism	mechanism	NOUN
fbem-27700	145	2	variables	variable	NOUN
fbem-27700	145	3	:	:	PUNCT
fbem-27700	145	4	the	the	DET
fbem-27700	145	5	number	number	NOUN
fbem-27700	145	6	of	of	ADP
fbem-27700	145	7	township	township	NOUN
fbem-27700	145	8	credit	credit	NOUN
fbem-27700	145	9	officers	officer	NOUN
fbem-27700	145	10	is	be	AUX
fbem-27700	145	11	used	use	VERB
fbem-27700	145	12	as	as	ADP
fbem-27700	145	13	the	the	DET
fbem-27700	145	14	proxy	proxy	NOUN
fbem-27700	145	15	for	for	ADP
fbem-27700	145	16	mechanism	mechanism	NOUN
fbem-27700	145	17	analysis	analysis	NOUN
fbem-27700	145	18	.	.	PUNCT
fbem-27700	146	1	the	the	DET
fbem-27700	146	2	annual	annual	ADJ
fbem-27700	146	3	subscription	subscription	NOUN
fbem-27700	146	4	to	to	ADP
fbem-27700	146	5	newspapers	newspaper	NOUN
fbem-27700	146	6	and	and	CCONJ
fbem-27700	146	7	magazines	magazine	NOUN
fbem-27700	146	8	serves	serve	VERB
fbem-27700	146	9	as	as	ADP
fbem-27700	146	10	a	a	DET
fbem-27700	146	11	proxy	proxy	NOUN
fbem-27700	146	12	for	for	ADP
fbem-27700	146	13	the	the	DET
fbem-27700	146	14	dissemination	dissemination	NOUN
fbem-27700	146	15	of	of	ADP
fbem-27700	146	16	financial	financial	ADJ
fbem-27700	146	17	knowledge	knowledge	NOUN
fbem-27700	146	18	.	.	PUNCT
fbem-27700	147	1	agricultural	agricultural	ADJ
fbem-27700	147	2	industrialization	industrialization	NOUN
fbem-27700	147	3	level	level	NOUN
fbem-27700	147	4	(	(	PUNCT
fbem-27700	147	5	𝑐ℎ𝑎𝑛𝑦𝑒	𝑐ℎ𝑎𝑛𝑦𝑒	NOUN
fbem-27700	147	6	):	):	PUNCT
fbem-27700	147	7	measured	measure	VERB
fbem-27700	147	8	as	as	ADP
fbem-27700	147	9	the	the	DET
fbem-27700	147	10	ratio	ratio	NOUN
fbem-27700	147	11	of	of	ADP
fbem-27700	147	12	households	household	NOUN
fbem-27700	147	13	participating	participate	VERB
fbem-27700	147	14	in	in	ADP
fbem-27700	147	15	industrialized	industrialized	ADJ
fbem-27700	147	16	operations	operation	NOUN
fbem-27700	147	17	to	to	ADP
fbem-27700	147	18	the	the	DET
fbem-27700	147	19	total	total	ADJ
fbem-27700	147	20	number	number	NOUN
fbem-27700	147	21	of	of	ADP
fbem-27700	147	22	households	household	NOUN
fbem-27700	147	23	in	in	ADP
fbem-27700	147	24	the	the	DET
fbem-27700	147	25	township	township	NOUN
fbem-27700	147	26	.	.	PUNCT
fbem-27700	148	1	agricultural	agricultural	ADJ
fbem-27700	148	2	digitalization	digitalization	NOUN
fbem-27700	148	3	level	level	NOUN
fbem-27700	148	4	(	(	PUNCT
fbem-27700	148	5	𝑖𝑛𝑡𝑒𝑟	𝑖𝑛𝑡𝑒𝑟	NOUN
fbem-27700	148	6	):	):	PUNCT
fbem-27700	148	7	measured	measure	VERB
fbem-27700	148	8	as	as	ADP
fbem-27700	148	9	the	the	DET
fbem-27700	148	10	average	average	ADJ
fbem-27700	148	11	number	number	NOUN
fbem-27700	148	12	of	of	ADP
fbem-27700	148	13	mobile	mobile	ADJ
fbem-27700	148	14	phones	phone	NOUN
fbem-27700	148	15	per	per	ADP
fbem-27700	148	16	household	household	NOUN
fbem-27700	148	17	in	in	ADP
fbem-27700	148	18	the	the	DET
fbem-27700	148	19	township	township	NOUN
fbem-27700	148	20	,	,	PUNCT
fbem-27700	148	21	calculated	calculate	VERB
fbem-27700	148	22	as	as	ADP
fbem-27700	148	23	the	the	DET
fbem-27700	148	24	total	total	ADJ
fbem-27700	148	25	number	number	NOUN
fbem-27700	148	26	of	of	ADP
fbem-27700	148	27	mobile	mobile	ADJ
fbem-27700	148	28	phones	phone	NOUN
fbem-27700	148	29	owned	own	VERB
fbem-27700	148	30	divided	divide	VERB
fbem-27700	148	31	by	by	ADP
fbem-27700	148	32	the	the	DET
fbem-27700	148	33	total	total	ADJ
fbem-27700	148	34	number	number	NOUN
fbem-27700	148	35	of	of	ADP
fbem-27700	148	36	households	household	NOUN
fbem-27700	148	37	.	.	PUNCT
fbem-27700	149	1	control	control	NOUN
fbem-27700	149	2	variables	variable	NOUN
fbem-27700	149	3	:	:	PUNCT
fbem-27700	149	4	the	the	DET
fbem-27700	149	5	study	study	NOUN
fbem-27700	149	6	includes	include	VERB
fbem-27700	149	7	household	household	NOUN
fbem-27700	149	8	characteristics	characteristic	NOUN
fbem-27700	149	9	,	,	PUNCT
fbem-27700	149	10	household	household	NOUN
fbem-27700	149	11	head	head	NOUN
fbem-27700	149	12	characteristics	characteristic	NOUN
fbem-27700	149	13	,	,	PUNCT
fbem-27700	149	14	and	and	CCONJ
fbem-27700	149	15	regional	regional	ADJ
fbem-27700	149	16	characteristics	characteristic	NOUN
fbem-27700	149	17	as	as	ADP
fbem-27700	149	18	control	control	NOUN
fbem-27700	149	19	variables	variable	NOUN
fbem-27700	149	20	:	:	PUNCT
fbem-27700	149	21	household	household	NOUN
fbem-27700	149	22	characteristics	characteristic	NOUN
fbem-27700	149	23	*	*	NOUN
fbem-27700	149	24	*	*	NOUN
fbem-27700	149	25	:	:	PUNCT
fbem-27700	149	26	number	number	NOUN
fbem-27700	149	27	of	of	ADP
fbem-27700	149	28	permanent	permanent	ADJ
fbem-27700	149	29	residents	resident	NOUN
fbem-27700	149	30	(	(	PUNCT
fbem-27700	149	31	𝑃𝑒𝑜𝑝𝑙𝑒	𝑃𝑒𝑜𝑝𝑙𝑒	PROPN
fbem-27700	149	32	)	)	PUNCT
fbem-27700	149	33	,	,	PUNCT
fbem-27700	149	34	number	number	NOUN
fbem-27700	149	35	of	of	ADP
fbem-27700	149	36	laborers	laborer	NOUN
fbem-27700	149	37	(	(	PUNCT
fbem-27700	149	38	𝐿𝑎𝑏𝑜𝑟	𝐿𝑎𝑏𝑜𝑟	PROPN
fbem-27700	149	39	)	)	PUNCT
fbem-27700	149	40	,	,	PUNCT
fbem-27700	149	41	cultivated	cultivate	VERB
fbem-27700	149	42	land	land	NOUN
fbem-27700	149	43	area	area	NOUN
fbem-27700	149	44	at	at	ADP
fbem-27700	149	45	the	the	DET
fbem-27700	149	46	beginning	beginning	NOUN
fbem-27700	149	47	of	of	ADP
fbem-27700	149	48	the	the	DET
fbem-27700	149	49	year	year	NOUN
fbem-27700	149	50	(	(	PUNCT
fbem-27700	149	51	𝐿𝑎𝑛𝑑	𝐿𝑎𝑛𝑑	PROPN
fbem-27700	149	52	)	)	PUNCT
fbem-27700	149	53	,	,	PUNCT
fbem-27700	149	54	and	and	CCONJ
fbem-27700	149	55	the	the	DET
fbem-27700	149	56	value	value	NOUN
fbem-27700	149	57	of	of	ADP
fbem-27700	149	58	productive	productive	ADJ
fbem-27700	149	59	fixed	fix	VERB
fbem-27700	149	60	assets	asset	NOUN
fbem-27700	149	61	at	at	ADP
fbem-27700	149	62	the	the	DET
fbem-27700	149	63	end	end	NOUN
fbem-27700	149	64	of	of	ADP
fbem-27700	149	65	the	the	DET
fbem-27700	149	66	year	year	NOUN
fbem-27700	149	67	(	(	PUNCT
fbem-27700	149	68	𝑓𝑖𝑥	𝑓𝑖𝑥	NOUN
fbem-27700	149	69	)	)	PUNCT
fbem-27700	149	70	.	.	PUNCT
fbem-27700	150	1	household	household	NOUN
fbem-27700	150	2	head	head	NOUN
fbem-27700	150	3	characteristics	characteristic	NOUN
fbem-27700	150	4	:	:	PUNCT
fbem-27700	150	5	gender	gender	NOUN
fbem-27700	150	6	of	of	ADP
fbem-27700	150	7	the	the	DET
fbem-27700	150	8	household	household	NOUN
fbem-27700	150	9	head	head	NOUN
fbem-27700	150	10	(	(	PUNCT
fbem-27700	150	11	𝑠𝑒𝑥	𝑠𝑒𝑥	NOUN
fbem-27700	150	12	)	)	PUNCT
fbem-27700	150	13	,	,	PUNCT
fbem-27700	150	14	age	age	NOUN
fbem-27700	150	15	of	of	ADP
fbem-27700	150	16	the	the	DET
fbem-27700	150	17	household	household	NOUN
fbem-27700	150	18	head	head	NOUN
fbem-27700	150	19	(	(	PUNCT
fbem-27700	150	20	𝑎𝑔𝑒	𝑎𝑔𝑒	NOUN
fbem-27700	150	21	)	)	PUNCT
fbem-27700	150	22	,	,	PUNCT
fbem-27700	150	23	and	and	CCONJ
fbem-27700	150	24	educational	educational	ADJ
fbem-27700	150	25	attainment	attainment	NOUN
fbem-27700	150	26	of	of	ADP
fbem-27700	150	27	the	the	DET
fbem-27700	150	28	household	household	NOUN
fbem-27700	150	29	head	head	NOUN
fbem-27700	150	30	(	(	PUNCT
fbem-27700	150	31	𝑒𝑑𝑢𝑦𝑒𝑎𝑟𝑠	𝑒𝑑𝑢𝑦𝑒𝑎𝑟𝑠	ADJ
fbem-27700	150	32	)	)	PUNCT
fbem-27700	150	33	.	.	PUNCT
fbem-27700	151	1	3.3	3.3	NUM
fbem-27700	151	2	.	.	PUNCT
fbem-27700	152	1	data	datum	NOUN
fbem-27700	152	2	sources	source	NOUN
fbem-27700	152	3	and	and	CCONJ
fbem-27700	152	4	processing	process	VERB
fbem-27700	152	5	this	this	DET
fbem-27700	152	6	study	study	NOUN
fbem-27700	152	7	is	be	AUX
fbem-27700	152	8	based	base	VERB
fbem-27700	152	9	on	on	ADP
fbem-27700	152	10	data	datum	NOUN
fbem-27700	152	11	from	from	ADP
fbem-27700	152	12	the	the	DET
fbem-27700	152	13	national	national	ADJ
fbem-27700	152	14	rural	rural	ADJ
fbem-27700	152	15	fixed	fix	VERB
fbem-27700	152	16	observation	observation	NOUN
fbem-27700	152	17	points	point	NOUN
fbem-27700	152	18	,	,	PUNCT
fbem-27700	152	19	a	a	DET
fbem-27700	152	20	major	major	ADJ
fbem-27700	152	21	data	datum	NOUN
fbem-27700	152	22	source	source	NOUN
fbem-27700	152	23	for	for	ADP
fbem-27700	152	24	agricultural	agricultural	ADJ
fbem-27700	152	25	and	and	CCONJ
fbem-27700	152	26	rural	rural	ADJ
fbem-27700	152	27	research	research	NOUN
fbem-27700	152	28	in	in	ADP
fbem-27700	152	29	china	china	PROPN
fbem-27700	152	30	.	.	PUNCT
fbem-27700	153	1	the	the	DET
fbem-27700	153	2	survey	survey	NOUN
fbem-27700	153	3	system	system	NOUN
fbem-27700	153	4	covers	cover	VERB
fbem-27700	153	5	over	over	ADP
fbem-27700	153	6	20,000	20,000	NUM
fbem-27700	153	7	households	household	NOUN
fbem-27700	153	8	and	and	CCONJ
fbem-27700	153	9	more	more	ADJ
fbem-27700	153	10	than	than	ADP
fbem-27700	153	11	300	300	NUM
fbem-27700	153	12	administrative	administrative	ADJ
fbem-27700	153	13	villages	village	NOUN
fbem-27700	153	14	across	across	ADP
fbem-27700	153	15	all	all	DET
fbem-27700	153	16	31	31	NUM
fbem-27700	153	17	provinces	province	NOUN
fbem-27700	153	18	of	of	ADP
fbem-27700	153	19	china	china	PROPN
fbem-27700	153	20	,	,	PUNCT
fbem-27700	153	21	excluding	exclude	VERB
fbem-27700	153	22	hong	hong	PROPN
fbem-27700	153	23	kong	kong	PROPN
fbem-27700	153	24	,	,	PUNCT
fbem-27700	153	25	macau	macau	PROPN
fbem-27700	153	26	,	,	PUNCT
fbem-27700	153	27	and	and	CCONJ
fbem-27700	153	28	taiwan	taiwan	PROPN
fbem-27700	153	29	,	,	PUNCT
fbem-27700	153	30	ensuring	ensure	VERB
fbem-27700	153	31	both	both	DET
fbem-27700	153	32	broad	broad	ADJ
fbem-27700	153	33	coverage	coverage	NOUN
fbem-27700	153	34	and	and	CCONJ
fbem-27700	153	35	representativeness	representativeness	NOUN
fbem-27700	153	36	.	.	PUNCT
fbem-27700	154	1	the	the	DET
fbem-27700	154	2	survey	survey	NOUN
fbem-27700	154	3	encompasses	encompass	VERB
fbem-27700	154	4	a	a	DET
fbem-27700	154	5	wide	wide	ADJ
fbem-27700	154	6	range	range	NOUN
fbem-27700	154	7	of	of	ADP
fbem-27700	154	8	topics	topic	NOUN
fbem-27700	154	9	,	,	PUNCT
fbem-27700	154	10	including	include	VERB
fbem-27700	154	11	population	population	NOUN
fbem-27700	154	12	structure	structure	NOUN
fbem-27700	154	13	,	,	PUNCT
fbem-27700	154	14	employment	employment	NOUN
fbem-27700	154	15	,	,	PUNCT
fbem-27700	154	16	income	income	NOUN
fbem-27700	154	17	and	and	CCONJ
fbem-27700	154	18	expenditures	expenditure	NOUN
fbem-27700	154	19	(	(	PUNCT
fbem-27700	154	20	including	include	VERB
fbem-27700	154	21	agricultural	agricultural	ADJ
fbem-27700	154	22	subsidies	subsidy	NOUN
fbem-27700	154	23	)	)	PUNCT
fbem-27700	154	24	,	,	PUNCT
fbem-27700	154	25	agricultural	agricultural	ADJ
fbem-27700	154	26	production	production	NOUN
fbem-27700	154	27	,	,	PUNCT
fbem-27700	154	28	consumption	consumption	NOUN
fbem-27700	154	29	,	,	PUNCT
fbem-27700	154	30	and	and	CCONJ
fbem-27700	154	31	more	more	ADJ
fbem-27700	154	32	,	,	PUNCT
fbem-27700	154	33	providing	provide	VERB
fbem-27700	154	34	a	a	DET
fbem-27700	154	35	comprehensive	comprehensive	ADJ
fbem-27700	154	36	reflection	reflection	NOUN
fbem-27700	154	37	of	of	ADP
fbem-27700	154	38	the	the	DET
fbem-27700	154	39	rural	rural	ADJ
fbem-27700	154	40	economy	economy	NOUN
fbem-27700	154	41	and	and	CCONJ
fbem-27700	154	42	social	social	ADJ
fbem-27700	154	43	development	development	NOUN
fbem-27700	154	44	.	.	PUNCT
fbem-27700	155	1	since	since	SCONJ
fbem-27700	155	2	its	its	PRON
fbem-27700	155	3	establishment	establishment	NOUN
fbem-27700	155	4	,	,	PUNCT
fbem-27700	155	5	the	the	DET
fbem-27700	155	6	survey	survey	NOUN
fbem-27700	155	7	system	system	NOUN
fbem-27700	155	8	has	have	AUX
fbem-27700	155	9	conducted	conduct	VERB
fbem-27700	155	10	continuous	continuous	ADJ
fbem-27700	155	11	follow	follow	NOUN
fbem-27700	155	12	-	-	PUNCT
fbem-27700	155	13	up	up	NOUN
fbem-27700	155	14	investigations	investigation	NOUN
fbem-27700	155	15	for	for	ADP
fbem-27700	155	16	over	over	ADP
fbem-27700	155	17	30	30	NUM
fbem-27700	155	18	years	year	NOUN
fbem-27700	155	19	,	,	PUNCT
fbem-27700	155	20	except	except	SCONJ
fbem-27700	155	21	for	for	ADP
fbem-27700	155	22	1992	1992	NUM
fbem-27700	155	23	and	and	CCONJ
fbem-27700	155	24	1994	1994	NUM
fbem-27700	155	25	,	,	PUNCT
fbem-27700	155	26	ensuring	ensure	VERB
fbem-27700	155	27	data	datum	NOUN
fbem-27700	155	28	continuity	continuity	NOUN
fbem-27700	155	29	and	and	CCONJ
fbem-27700	155	30	consistency	consistency	NOUN
fbem-27700	155	31	.	.	PUNCT
fbem-27700	156	1	this	this	DET
fbem-27700	156	2	long	long	ADJ
fbem-27700	156	3	-	-	PUNCT
fbem-27700	156	4	term	term	NOUN
fbem-27700	156	5	dataset	dataset	NOUN
fbem-27700	156	6	offers	offer	VERB
fbem-27700	156	7	valuable	valuable	ADJ
fbem-27700	156	8	insights	insight	NOUN
fbem-27700	156	9	into	into	ADP
fbem-27700	156	10	the	the	DET
fbem-27700	156	11	dynamic	dynamic	ADJ
fbem-27700	156	12	changes	change	NOUN
fbem-27700	156	13	in	in	ADP
fbem-27700	156	14	rural	rural	ADJ
fbem-27700	156	15	areas	area	NOUN
fbem-27700	156	16	and	and	CCONJ
fbem-27700	156	17	serves	serve	VERB
fbem-27700	156	18	as	as	ADP
fbem-27700	156	19	an	an	DET
fbem-27700	156	20	authoritative	authoritative	ADJ
fbem-27700	156	21	and	and	CCONJ
fbem-27700	156	22	reliable	reliable	ADJ
fbem-27700	156	23	foundation	foundation	NOUN
fbem-27700	156	24	for	for	ADP
fbem-27700	156	25	academic	academic	ADJ
fbem-27700	156	26	research	research	NOUN
fbem-27700	156	27	and	and	CCONJ
fbem-27700	156	28	policy	policy	NOUN
fbem-27700	156	29	formulation	formulation	NOUN
fbem-27700	156	30	.	.	PUNCT
fbem-27700	157	1	for	for	ADP
fbem-27700	157	2	this	this	DET
fbem-27700	157	3	study	study	NOUN
fbem-27700	157	4	,	,	PUNCT
fbem-27700	157	5	data	datum	NOUN
fbem-27700	157	6	from	from	ADP
fbem-27700	157	7	ten	ten	NUM
fbem-27700	157	8	villages	village	NOUN
fbem-27700	157	9	in	in	ADP
fbem-27700	157	10	zhejiang	zhejiang	PROPN
fbem-27700	157	11	province	province	PROPN
fbem-27700	157	12	are	be	AUX
fbem-27700	157	13	selected	select	VERB
fbem-27700	157	14	.	.	PUNCT
fbem-27700	158	1	these	these	DET
fbem-27700	158	2	villages	village	NOUN
fbem-27700	158	3	are	be	AUX
fbem-27700	158	4	located	locate	VERB
fbem-27700	158	5	in	in	ADP
fbem-27700	158	6	ten	ten	NUM
fbem-27700	158	7	different	different	ADJ
fbem-27700	158	8	cities	city	NOUN
fbem-27700	158	9	and	and	CCONJ
fbem-27700	158	10	counties	county	NOUN
fbem-27700	158	11	across	across	ADP
fbem-27700	158	12	the	the	DET
fbem-27700	158	13	province	province	NOUN
fbem-27700	158	14	,	,	PUNCT
fbem-27700	158	15	representing	represent	VERB
fbem-27700	158	16	diverse	diverse	ADJ
fbem-27700	158	17	types	type	NOUN
fbem-27700	158	18	of	of	ADP
fbem-27700	158	19	rural	rural	ADJ
fbem-27700	158	20	areas	area	NOUN
fbem-27700	158	21	,	,	PUNCT
fbem-27700	158	22	including	include	VERB
fbem-27700	158	23	urbanized	urbanized	ADJ
fbem-27700	158	24	villages	village	NOUN
fbem-27700	158	25	,	,	PUNCT
fbem-27700	158	26	traditional	traditional	ADJ
fbem-27700	158	27	agricultural	agricultural	ADJ
fbem-27700	158	28	villages	village	NOUN
fbem-27700	158	29	,	,	PUNCT
fbem-27700	158	30	and	and	CCONJ
fbem-27700	158	31	island	island	NOUN
fbem-27700	158	32	fishing	fishing	NOUN
fbem-27700	158	33	villages	village	NOUN
fbem-27700	158	34	.	.	PUNCT
fbem-27700	159	1	this	this	DET
fbem-27700	159	2	selection	selection	NOUN
fbem-27700	159	3	provides	provide	VERB
fbem-27700	159	4	a	a	DET
fbem-27700	159	5	representative	representative	ADJ
fbem-27700	159	6	sample	sample	NOUN
fbem-27700	159	7	of	of	ADP
fbem-27700	159	8	zhejiang	zhejiang	PROPN
fbem-27700	159	9	’s	’s	PART
fbem-27700	159	10	rural	rural	ADJ
fbem-27700	159	11	conditions	condition	NOUN
fbem-27700	159	12	.	.	PUNCT
fbem-27700	160	1	since	since	SCONJ
fbem-27700	160	2	the	the	DET
fbem-27700	160	3	national	national	ADJ
fbem-27700	160	4	tracking	tracking	NOUN
fbem-27700	160	5	observations	observation	NOUN
fbem-27700	160	6	began	begin	VERB
fbem-27700	160	7	in	in	ADP
fbem-27700	160	8	1986	1986	NUM
fbem-27700	160	9	,	,	PUNCT
fbem-27700	160	10	zhejiang	zhejiang	PROPN
fbem-27700	160	11	has	have	AUX
fbem-27700	160	12	consistently	consistently	ADV
fbem-27700	160	13	maintained	maintain	VERB
fbem-27700	160	14	the	the	DET
fbem-27700	160	15	continuity	continuity	NOUN
fbem-27700	160	16	of	of	ADP
fbem-27700	160	17	the	the	DET
fbem-27700	160	18	observation	observation	NOUN
fbem-27700	160	19	process	process	NOUN
fbem-27700	160	20	,	,	PUNCT
fbem-27700	160	21	ensuring	ensure	VERB
fbem-27700	160	22	the	the	DET
fbem-27700	160	23	data	datum	NOUN
fbem-27700	160	24	's	's	PART
fbem-27700	160	25	continuity	continuity	NOUN
fbem-27700	160	26	and	and	CCONJ
fbem-27700	160	27	unbiased	unbiased	ADJ
fbem-27700	160	28	nature	nature	NOUN
fbem-27700	160	29	.	.	PUNCT
fbem-27700	161	1	the	the	DET
fbem-27700	161	2	study	study	NOUN
fbem-27700	161	3	period	period	NOUN
fbem-27700	161	4	spans	span	VERB
fbem-27700	161	5	from	from	ADP
fbem-27700	161	6	2003	2003	NUM
fbem-27700	161	7	to	to	ADP
fbem-27700	161	8	2022	2022	NUM
fbem-27700	161	9	,	,	PUNCT
fbem-27700	161	10	aligning	align	VERB
fbem-27700	161	11	with	with	ADP
fbem-27700	161	12	the	the	DET
fbem-27700	161	13	implementation	implementation	NOUN
fbem-27700	161	14	of	of	ADP
fbem-27700	161	15	key	key	ADJ
fbem-27700	161	16	policies	policy	NOUN
fbem-27700	161	17	such	such	ADJ
fbem-27700	161	18	as	as	ADP
fbem-27700	161	19	the	the	DET
fbem-27700	161	20	state	state	NOUN
fbem-27700	161	21	council	council	PROPN
fbem-27700	161	22	’s	’s	PART
fbem-27700	161	23	"	"	PUNCT
fbem-27700	161	24	deepening	deepen	VERB
fbem-27700	161	25	the	the	DET
fbem-27700	161	26	reform	reform	NOUN
fbem-27700	161	27	pilot	pilot	NOUN
fbem-27700	161	28	program	program	NOUN
fbem-27700	161	29	for	for	ADP
fbem-27700	161	30	rural	rural	ADJ
fbem-27700	161	31	credit	credit	NOUN
fbem-27700	161	32	cooperatives	cooperative	NOUN
fbem-27700	161	33	"	"	PUNCT
fbem-27700	161	34	and	and	CCONJ
fbem-27700	161	35	zhejiang	zhejiang	PROPN
fbem-27700	161	36	's	's	PART
fbem-27700	161	37	"	"	PUNCT
fbem-27700	161	38	eight	eight	NUM
fbem-27700	161	39	-	-	PUNCT
fbem-27700	161	40	eight	eight	NUM
fbem-27700	161	41	strategy	strategy	NOUN
fbem-27700	161	42	.	.	PUNCT
fbem-27700	161	43	"	"	PUNCT
fbem-27700	162	1	data	datum	NOUN
fbem-27700	162	2	processing	processing	NOUN
fbem-27700	162	3	:	:	PUNCT
fbem-27700	162	4	the	the	DET
fbem-27700	162	5	national	national	ADJ
fbem-27700	162	6	rural	rural	ADJ
fbem-27700	162	7	fixed	fix	VERB
fbem-27700	162	8	observation	observation	NOUN
fbem-27700	162	9	points	point	NOUN
fbem-27700	162	10	data	datum	NOUN
fbem-27700	162	11	is	be	AUX
fbem-27700	162	12	filtered	filter	VERB
fbem-27700	162	13	to	to	PART
fbem-27700	162	14	select	select	VERB
fbem-27700	162	15	household	household	NOUN
fbem-27700	162	16	data	datum	NOUN
fbem-27700	162	17	from	from	ADP
fbem-27700	162	18	zhejiang	zhejiang	PROPN
fbem-27700	162	19	province	province	PROPN
fbem-27700	162	20	for	for	ADP
fbem-27700	162	21	the	the	DET
fbem-27700	162	22	years	year	NOUN
fbem-27700	162	23	2003	2003	NUM
fbem-27700	162	24	to	to	ADP
fbem-27700	162	25	2022	2022	NUM
fbem-27700	162	26	.	.	PUNCT
fbem-27700	163	1	samples	sample	NOUN
fbem-27700	163	2	with	with	ADP
fbem-27700	163	3	significant	significant	ADJ
fbem-27700	163	4	missing	miss	VERB
fbem-27700	163	5	data	datum	NOUN
fbem-27700	163	6	are	be	AUX
fbem-27700	163	7	excluded	exclude	VERB
fbem-27700	163	8	,	,	PUNCT
fbem-27700	163	9	and	and	CCONJ
fbem-27700	163	10	missing	miss	VERB
fbem-27700	163	11	values	value	NOUN
fbem-27700	163	12	are	be	AUX
fbem-27700	163	13	supplemented	supplement	VERB
fbem-27700	163	14	using	use	VERB
fbem-27700	163	15	interpolation	interpolation	NOUN
fbem-27700	163	16	methods	method	NOUN
fbem-27700	163	17	,	,	PUNCT
fbem-27700	163	18	with	with	ADP
fbem-27700	163	19	additional	additional	ADJ
fbem-27700	163	20	information	information	NOUN
fbem-27700	163	21	drawn	draw	VERB
fbem-27700	163	22	from	from	ADP
fbem-27700	163	23	the	the	DET
fbem-27700	163	24	"	"	PUNCT
fbem-27700	163	25	zhejiang	zhejiang	PROPN
fbem-27700	163	26	province	province	PROPN
fbem-27700	163	27	financial	financial	PROPN
fbem-27700	163	28	operation	operation	NOUN
fbem-27700	163	29	report	report	NOUN
fbem-27700	163	30	.	.	PUNCT
fbem-27700	163	31	"	"	PUNCT
fbem-27700	164	1	the	the	DET
fbem-27700	164	2	final	final	ADJ
fbem-27700	164	3	dataset	dataset	NOUN
fbem-27700	164	4	consists	consist	NOUN
fbem-27700	164	5	of	of	ADP
fbem-27700	164	6	an	an	DET
fbem-27700	164	7	unbalanced	unbalanced	ADJ
fbem-27700	164	8	panel	panel	NOUN
fbem-27700	164	9	with	with	ADP
fbem-27700	164	10	4,927	4,927	NUM
fbem-27700	164	11	observations	observation	NOUN
fbem-27700	164	12	.	.	PUNCT
fbem-27700	165	1	4	4	X
fbem-27700	165	2	.	.	X
fbem-27700	165	3	empirical	empirical	ADJ
fbem-27700	165	4	analysis	analysis	NOUN
fbem-27700	165	5	4.1	4.1	NUM
fbem-27700	165	6	.	.	PUNCT
fbem-27700	166	1	baseline	baseline	PROPN
fbem-27700	166	2	regression	regression	NOUN
fbem-27700	166	3	table	table	NOUN
fbem-27700	166	4	1	1	NUM
fbem-27700	166	5	reports	report	VERB
fbem-27700	166	6	the	the	DET
fbem-27700	166	7	estimation	estimation	NOUN
fbem-27700	166	8	results	result	VERB
fbem-27700	166	9	,	,	PUNCT
fbem-27700	166	10	with	with	ADP
fbem-27700	166	11	columns	column	NOUN
fbem-27700	166	12	(	(	PUNCT
fbem-27700	166	13	1	1	NUM
fbem-27700	166	14	)	)	PUNCT
fbem-27700	166	15	to	to	ADP
fbem-27700	166	16	(	(	PUNCT
fbem-27700	166	17	3	3	X
fbem-27700	166	18	)	)	PUNCT
fbem-27700	166	19	showing	show	VERB
fbem-27700	166	20	the	the	DET
fbem-27700	166	21	regression	regression	NOUN
fbem-27700	166	22	results	result	NOUN
fbem-27700	166	23	for	for	ADP
fbem-27700	166	24	household	household	NOUN
fbem-27700	166	25	credit	credit	NOUN
fbem-27700	166	26	availability	availability	NOUN
fbem-27700	166	27	,	,	PUNCT
fbem-27700	166	28	with	with	ADP
fbem-27700	166	29	(	(	PUNCT
fbem-27700	166	30	1	1	X
fbem-27700	166	31	)	)	PUNCT
fbem-27700	166	32	excluding	exclude	VERB
fbem-27700	166	33	control	control	NOUN
fbem-27700	166	34	variables	variable	NOUN
fbem-27700	166	35	,	,	PUNCT
fbem-27700	166	36	(	(	PUNCT
fbem-27700	166	37	2	2	NUM
fbem-27700	166	38	)	)	PUNCT
fbem-27700	166	39	including	include	VERB
fbem-27700	166	40	household	household	NOUN
fbem-27700	166	41	characteristics	characteristic	NOUN
fbem-27700	166	42	,	,	PUNCT
fbem-27700	166	43	and	and	CCONJ
fbem-27700	166	44	(	(	PUNCT
fbem-27700	166	45	3	3	X
fbem-27700	166	46	)	)	PUNCT
fbem-27700	166	47	including	include	VERB
fbem-27700	166	48	household	household	NOUN
fbem-27700	166	49	head	head	NOUN
fbem-27700	166	50	characteristics	characteristic	NOUN
fbem-27700	166	51	.	.	PUNCT
fbem-27700	167	1	the	the	DET
fbem-27700	167	2	results	result	NOUN
fbem-27700	167	3	indicate	indicate	VERB
fbem-27700	167	4	that	that	SCONJ
fbem-27700	167	5	the	the	DET
fbem-27700	167	6	coefficient	coefficient	NOUN
fbem-27700	167	7	of	of	ADP
fbem-27700	167	8	the	the	DET
fbem-27700	167	9	interaction	interaction	NOUN
fbem-27700	167	10	term	term	NOUN
fbem-27700	167	11	is	be	AUX
fbem-27700	167	12	significantly	significantly	ADV
fbem-27700	167	13	negative	negative	ADJ
fbem-27700	167	14	at	at	ADP
fbem-27700	167	15	the	the	DET
fbem-27700	167	16	1	1	NUM
fbem-27700	167	17	%	%	NOUN
fbem-27700	167	18	level	level	NOUN
fbem-27700	167	19	,	,	PUNCT
fbem-27700	167	20	and	and	CCONJ
fbem-27700	167	21	the	the	DET
fbem-27700	167	22	absolute	absolute	ADJ
fbem-27700	167	23	value	value	NOUN
fbem-27700	167	24	increases	increase	VERB
fbem-27700	167	25	as	as	SCONJ
fbem-27700	167	26	more	more	ADJ
fbem-27700	167	27	control	control	NOUN
fbem-27700	167	28	variables	variable	NOUN
fbem-27700	167	29	are	be	AUX
fbem-27700	167	30	added	add	VERB
fbem-27700	167	31	.	.	PUNCT
fbem-27700	168	1	this	this	PRON
fbem-27700	168	2	suggests	suggest	VERB
fbem-27700	168	3	that	that	SCONJ
fbem-27700	168	4	the	the	DET
fbem-27700	168	5	financial	financial	ADJ
fbem-27700	168	6	institution	institution	NOUN
fbem-27700	168	7	competition	competition	NOUN
fbem-27700	168	8	reform	reform	NOUN
fbem-27700	168	9	has	have	AUX
fbem-27700	168	10	improved	improve	VERB
fbem-27700	168	11	the	the	DET
fbem-27700	168	12	accessibility	accessibility	NOUN
fbem-27700	168	13	of	of	ADP
fbem-27700	168	14	credit	credit	NOUN
fbem-27700	168	15	for	for	ADP
fbem-27700	168	16	rural	rural	ADJ
fbem-27700	168	17	households	household	NOUN
fbem-27700	168	18	,	,	PUNCT
fbem-27700	168	19	alleviating	alleviate	VERB
fbem-27700	168	20	their	their	PRON
fbem-27700	168	21	financing	financing	NOUN
fbem-27700	168	22	difficulties	difficulty	NOUN
fbem-27700	168	23	to	to	ADP
fbem-27700	168	24	some	some	DET
fbem-27700	168	25	extent	extent	NOUN
fbem-27700	168	26	.	.	PUNCT
fbem-27700	169	1	after	after	ADP
fbem-27700	169	2	the	the	DET
fbem-27700	169	3	financial	financial	ADJ
fbem-27700	169	4	institution	institution	NOUN
fbem-27700	169	5	competition	competition	NOUN
fbem-27700	169	6	reform	reform	NOUN
fbem-27700	169	7	,	,	PUNCT
fbem-27700	169	8	the	the	DET
fbem-27700	169	9	rural	rural	ADJ
fbem-27700	169	10	financial	financial	ADJ
fbem-27700	169	11	market	market	NOUN
fbem-27700	169	12	,	,	PUNCT
fbem-27700	169	13	previously	previously	ADV
fbem-27700	169	14	dominated	dominate	VERB
fbem-27700	169	15	by	by	ADP
fbem-27700	169	16	a	a	DET
fbem-27700	169	17	single	single	ADJ
fbem-27700	169	18	system	system	NOUN
fbem-27700	169	19	,	,	PUNCT
fbem-27700	169	20	was	be	AUX
fbem-27700	169	21	diversified	diversify	VERB
fbem-27700	169	22	,	,	PUNCT
fbem-27700	169	23	providing	provide	VERB
fbem-27700	169	24	a	a	DET
fbem-27700	169	25	foundation	foundation	NOUN
fbem-27700	169	26	for	for	ADP
fbem-27700	169	27	the	the	DET
fbem-27700	169	28	development	development	NOUN
fbem-27700	169	29	of	of	ADP
fbem-27700	169	30	various	various	ADJ
fbem-27700	169	31	financing	financing	NOUN
fbem-27700	169	32	models	model	NOUN
fbem-27700	169	33	.	.	PUNCT
fbem-27700	170	1	table	table	NOUN
fbem-27700	170	2	1	1	NUM
fbem-27700	170	3	.	.	PUNCT
fbem-27700	171	1	the	the	DET
fbem-27700	171	2	impact	impact	NOUN
fbem-27700	171	3	of	of	ADP
fbem-27700	171	4	financial	financial	ADJ
fbem-27700	171	5	institution	institution	NOUN
fbem-27700	171	6	competition	competition	NOUN
fbem-27700	171	7	on	on	ADP
fbem-27700	171	8	household	household	NOUN
fbem-27700	171	9	credit	credit	NOUN
fbem-27700	171	10	accessibility	accessibility	NOUN
fbem-27700	171	11	(	(	PUNCT
fbem-27700	171	12	1	1	NUM
fbem-27700	171	13	)	)	PUNCT
fbem-27700	171	14	(	(	PUNCT
fbem-27700	171	15	2	2	NUM
fbem-27700	171	16	)	)	PUNCT
fbem-27700	171	17	(	(	PUNCT
fbem-27700	171	18	3	3	X
fbem-27700	171	19	)	)	PUNCT
fbem-27700	171	20	variables	variable	NOUN
fbem-27700	171	21	y	y	PROPN
fbem-27700	171	22	y	y	PROPN
fbem-27700	171	23	y	y	PROPN
fbem-27700	171	24	hhi*post	hhi*post	NOUN
fbem-27700	171	25	-2.284	-2.284	DET
fbem-27700	171	26	*	*	PUNCT
fbem-27700	171	27	*	*	PUNCT
fbem-27700	171	28	*	*	PUNCT
fbem-27700	171	29	-2.457	-2.457	PUNCT
fbem-27700	171	30	*	*	PUNCT
fbem-27700	171	31	*	*	PUNCT
fbem-27700	171	32	*	*	PUNCT
fbem-27700	171	33	-2.442	-2.442	PUNCT
fbem-27700	171	34	*	*	PUNCT
fbem-27700	171	35	*	*	PUNCT
fbem-27700	171	36	*	*	PUNCT
fbem-27700	171	37	(	(	PUNCT
fbem-27700	171	38	-5.29	-5.29	NOUN
fbem-27700	171	39	)	)	PUNCT
fbem-27700	171	40	(	(	PUNCT
fbem-27700	171	41	-5.67	-5.67	NUM
fbem-27700	171	42	)	)	PUNCT
fbem-27700	171	43	(	(	PUNCT
fbem-27700	171	44	-5.61	-5.61	NOUN
fbem-27700	171	45	)	)	PUNCT
fbem-27700	171	46	people	people	NOUN
fbem-27700	171	47	-0.008	-0.008	X
fbem-27700	171	48	-0.008	-0.008	PROPN
fbem-27700	171	49	(	(	PUNCT
fbem-27700	171	50	-1.48	-1.48	NOUN
fbem-27700	171	51	)	)	PUNCT
fbem-27700	171	52	(	(	PUNCT
fbem-27700	171	53	-1.48	-1.48	NOUN
fbem-27700	171	54	)	)	PUNCT
fbem-27700	171	55	labor	labor	NOUN
fbem-27700	171	56	0.019	0.019	NUM
fbem-27700	171	57	*	*	PUNCT
fbem-27700	171	58	*	*	PUNCT
fbem-27700	171	59	*	*	NOUN
fbem-27700	171	60	0.018	0.018	NUM
fbem-27700	171	61	*	*	PUNCT
fbem-27700	171	62	*	*	PUNCT
fbem-27700	171	63	*	*	PUNCT
fbem-27700	171	64	(	(	PUNCT
fbem-27700	171	65	3.26	3.26	NUM
fbem-27700	171	66	)	)	PUNCT
fbem-27700	171	67	(	(	PUNCT
fbem-27700	171	68	3.19	3.19	NUM
fbem-27700	171	69	)	)	PUNCT
fbem-27700	171	70	land	land	NOUN
fbem-27700	171	71	-0.004	-0.004	PUNCT
fbem-27700	171	72	-0.005	-0.005	NUM
fbem-27700	171	73	(	(	PUNCT
fbem-27700	171	74	-1.17	-1.17	NUM
fbem-27700	171	75	)	)	PUNCT
fbem-27700	171	76	(	(	PUNCT
fbem-27700	171	77	-1.18	-1.18	X
fbem-27700	171	78	)	)	PUNCT
fbem-27700	171	79	fix	fix	NOUN
fbem-27700	171	80	0.006	0.006	NUM
fbem-27700	171	81	*	*	PUNCT
fbem-27700	171	82	*	*	PUNCT
fbem-27700	171	83	*	*	PUNCT
fbem-27700	171	84	0.006	0.006	NUM
fbem-27700	171	85	*	*	PUNCT
fbem-27700	171	86	*	*	PUNCT
fbem-27700	171	87	*	*	PUNCT
fbem-27700	171	88	(	(	PUNCT
fbem-27700	171	89	3.53	3.53	NUM
fbem-27700	171	90	)	)	PUNCT
fbem-27700	171	91	(	(	PUNCT
fbem-27700	171	92	3.51	3.51	NUM
fbem-27700	171	93	)	)	PUNCT
fbem-27700	171	94	sex	sex	NOUN
fbem-27700	171	95	0.035	0.035	NUM
fbem-27700	171	96	(	(	PUNCT
fbem-27700	171	97	1.10	1.10	NUM
fbem-27700	171	98	)	)	PUNCT
fbem-27700	171	99	age	age	NOUN
fbem-27700	171	100	0.000	0.000	NUM
fbem-27700	171	101	(	(	PUNCT
fbem-27700	171	102	0.53	0.53	NUM
fbem-27700	171	103	)	)	PUNCT
fbem-27700	171	104	eduyears	eduyear	NOUN
fbem-27700	171	105	0.007	0.007	NUM
fbem-27700	171	106	*	*	PUNCT
fbem-27700	171	107	(	(	PUNCT
fbem-27700	171	108	1.92	1.92	NUM
fbem-27700	171	109	)	)	PUNCT
fbem-27700	171	110	constant	constant	ADJ
fbem-27700	171	111	0.227	0.227	NUM
fbem-27700	171	112	*	*	PUNCT
fbem-27700	171	113	*	*	PUNCT
fbem-27700	171	114	*	*	NOUN
fbem-27700	171	115	0.207	0.207	NUM
fbem-27700	171	116	*	*	PUNCT
fbem-27700	171	117	*	*	PUNCT
fbem-27700	172	1	*	*	PUNCT
fbem-27700	172	2	0.106	0.106	NUM
fbem-27700	172	3	(	(	PUNCT
fbem-27700	172	4	17.09	17.09	NUM
fbem-27700	172	5	)	)	PUNCT
fbem-27700	172	6	(	(	PUNCT
fbem-27700	172	7	8.73	8.73	NUM
fbem-27700	172	8	)	)	PUNCT
fbem-27700	172	9	(	(	PUNCT
fbem-27700	172	10	1.62	1.62	NUM
fbem-27700	172	11	)	)	PUNCT
fbem-27700	172	12	observations	observation	NOUN
fbem-27700	172	13	4,927	4,927	NUM
fbem-27700	172	14	4,927	4,927	NUM
fbem-27700	172	15	4,927	4,927	NUM
fbem-27700	172	16	r	r	NOUN
fbem-27700	172	17	-	-	PUNCT
fbem-27700	172	18	squared	square	VERB
fbem-27700	172	19	0.450	0.450	NUM
fbem-27700	172	20	0.453	0.453	NUM
fbem-27700	172	21	0.453	0.453	NUM
fbem-27700	172	22	i	i	PROPN
fbem-27700	172	23	d	d	PROPN
fbem-27700	172	24	fe	fe	INTJ
fbem-27700	173	1	yes	yes	INTJ
fbem-27700	173	2	yes	yes	INTJ
fbem-27700	174	1	yes	yes	INTJ
fbem-27700	174	2	year	year	NOUN
fbem-27700	175	1	fe	fe	INTJ
fbem-27700	176	1	yes	yes	INTJ
fbem-27700	176	2	yes	yes	INTJ
fbem-27700	177	1	yes	yes	INTJ
fbem-27700	177	2	4.2	4.2	NUM
fbem-27700	177	3	.	.	PUNCT
fbem-27700	178	1	robustness	robustness	NOUN
fbem-27700	178	2	test	test	NOUN
fbem-27700	178	3	4.2.1	4.2.1	NUM
fbem-27700	178	4	.	.	PUNCT
fbem-27700	179	1	parallel	parallel	ADJ
fbem-27700	179	2	trend	trend	NOUN
fbem-27700	179	3	test	test	NOUN
fbem-27700	180	1	a	a	DET
fbem-27700	180	2	key	key	ADJ
fbem-27700	180	3	assumption	assumption	NOUN
fbem-27700	180	4	for	for	ADP
fbem-27700	180	5	the	the	DET
fbem-27700	180	6	unbiased	unbiased	ADJ
fbem-27700	180	7	estimation	estimation	NOUN
fbem-27700	180	8	using	use	VERB
fbem-27700	180	9	the	the	DET
fbem-27700	180	10	difference	difference	NOUN
fbem-27700	180	11	-	-	PUNCT
fbem-27700	180	12	in	in	ADP
fbem-27700	180	13	-	-	PUNCT
fbem-27700	180	14	differences	difference	NOUN
fbem-27700	180	15	(	(	PUNCT
fbem-27700	180	16	did	do	AUX
fbem-27700	180	17	)	)	PUNCT
fbem-27700	180	18	method	method	NOUN
fbem-27700	180	19	is	be	AUX
fbem-27700	180	20	the	the	DET
fbem-27700	180	21	parallel	parallel	ADJ
fbem-27700	180	22	trends	trend	NOUN
fbem-27700	180	23	assumption	assumption	NOUN
fbem-27700	180	24	,	,	PUNCT
fbem-27700	180	25	which	which	PRON
fbem-27700	180	26	asserts	assert	VERB
fbem-27700	180	27	that	that	SCONJ
fbem-27700	180	28	the	the	DET
fbem-27700	180	29	treated	treat	VERB
fbem-27700	180	30	group	group	NOUN
fbem-27700	180	31	and	and	CCONJ
fbem-27700	180	32	the	the	DET
fbem-27700	180	33	control	control	NOUN
fbem-27700	180	34	group	group	NOUN
fbem-27700	180	35	would	would	AUX
fbem-27700	180	36	have	have	AUX
fbem-27700	180	37	followed	follow	VERB
fbem-27700	180	38	the	the	DET
fbem-27700	180	39	same	same	ADJ
fbem-27700	180	40	trend	trend	NOUN
fbem-27700	180	41	in	in	ADP
fbem-27700	180	42	the	the	DET
fbem-27700	180	43	absence	absence	NOUN
fbem-27700	180	44	of	of	ADP
fbem-27700	180	45	the	the	DET
fbem-27700	180	46	policy	policy	NOUN
fbem-27700	180	47	intervention	intervention	NOUN
fbem-27700	180	48	.	.	PUNCT
fbem-27700	181	1	specifically	specifically	ADV
fbem-27700	181	2	,	,	PUNCT
fbem-27700	181	3	prior	prior	ADV
fbem-27700	181	4	to	to	ADP
fbem-27700	181	5	the	the	DET
fbem-27700	181	6	completion	completion	NOUN
fbem-27700	181	7	of	of	ADP
fbem-27700	181	8	interest	interest	NOUN
fbem-27700	181	9	rate	rate	NOUN
fbem-27700	181	10	marketization	marketization	NOUN
fbem-27700	181	11	,	,	PUNCT
fbem-27700	181	12	the	the	DET
fbem-27700	181	13	two	two	NUM
fbem-27700	181	14	groups	group	NOUN
fbem-27700	181	15	348	348	NUM
fbem-27700	181	16	should	should	AUX
fbem-27700	181	17	exhibit	exhibit	VERB
fbem-27700	181	18	similar	similar	ADJ
fbem-27700	181	19	trends	trend	NOUN
fbem-27700	181	20	,	,	PUNCT
fbem-27700	181	21	ensuring	ensure	VERB
fbem-27700	181	22	that	that	SCONJ
fbem-27700	181	23	any	any	DET
fbem-27700	181	24	differences	difference	NOUN
fbem-27700	181	25	observed	observe	VERB
fbem-27700	181	26	post	post	NOUN
fbem-27700	181	27	-	-	NOUN
fbem-27700	181	28	intervention	intervention	NOUN
fbem-27700	181	29	are	be	AUX
fbem-27700	181	30	due	due	ADJ
fbem-27700	181	31	to	to	ADP
fbem-27700	181	32	the	the	DET
fbem-27700	181	33	policy	policy	NOUN
fbem-27700	181	34	rather	rather	ADV
fbem-27700	181	35	than	than	ADP
fbem-27700	181	36	other	other	ADJ
fbem-27700	181	37	time	time	NOUN
fbem-27700	181	38	-	-	PUNCT
fbem-27700	181	39	varying	vary	VERB
fbem-27700	181	40	factors	factor	NOUN
fbem-27700	181	41	.	.	PUNCT
fbem-27700	182	1	in	in	ADP
fbem-27700	182	2	practice	practice	NOUN
fbem-27700	182	3	,	,	PUNCT
fbem-27700	182	4	it	it	PRON
fbem-27700	182	5	is	be	AUX
fbem-27700	182	6	not	not	PART
fbem-27700	182	7	possible	possible	ADJ
fbem-27700	182	8	to	to	PART
fbem-27700	182	9	directly	directly	ADV
fbem-27700	182	10	verify	verify	VERB
fbem-27700	182	11	whether	whether	SCONJ
fbem-27700	182	12	the	the	DET
fbem-27700	182	13	treatment	treatment	NOUN
fbem-27700	182	14	group	group	NOUN
fbem-27700	182	15	would	would	AUX
fbem-27700	182	16	have	have	AUX
fbem-27700	182	17	followed	follow	VERB
fbem-27700	182	18	the	the	DET
fbem-27700	182	19	same	same	ADJ
fbem-27700	182	20	trend	trend	NOUN
fbem-27700	182	21	as	as	SCONJ
fbem-27700	182	22	the	the	DET
fbem-27700	182	23	control	control	NOUN
fbem-27700	182	24	group	group	NOUN
fbem-27700	182	25	had	have	VERB
fbem-27700	182	26	the	the	DET
fbem-27700	182	27	policy	policy	NOUN
fbem-27700	182	28	not	not	PART
fbem-27700	182	29	been	be	AUX
fbem-27700	182	30	implemented	implement	VERB
fbem-27700	182	31	,	,	PUNCT
fbem-27700	182	32	as	as	SCONJ
fbem-27700	182	33	this	this	PRON
fbem-27700	182	34	is	be	AUX
fbem-27700	182	35	a	a	DET
fbem-27700	182	36	counterfactual	counterfactual	ADJ
fbem-27700	182	37	scenario	scenario	NOUN
fbem-27700	182	38	.	.	PUNCT
fbem-27700	183	1	therefore	therefore	ADV
fbem-27700	183	2	,	,	PUNCT
fbem-27700	183	3	the	the	DET
fbem-27700	183	4	parallel	parallel	ADJ
fbem-27700	183	5	trends	trend	NOUN
fbem-27700	183	6	test	test	NOUN
fbem-27700	183	7	can	can	AUX
fbem-27700	183	8	only	only	ADV
fbem-27700	183	9	be	be	AUX
fbem-27700	183	10	conducted	conduct	VERB
fbem-27700	183	11	for	for	ADP
fbem-27700	183	12	the	the	DET
fbem-27700	183	13	period	period	NOUN
fbem-27700	183	14	before	before	ADP
fbem-27700	183	15	the	the	DET
fbem-27700	183	16	policy	policy	NOUN
fbem-27700	183	17	implementation	implementation	NOUN
fbem-27700	183	18	.	.	PUNCT
fbem-27700	184	1	from	from	ADP
fbem-27700	184	2	the	the	DET
fbem-27700	184	3	figure	figure	NOUN
fbem-27700	184	4	,	,	PUNCT
fbem-27700	184	5	we	we	PRON
fbem-27700	184	6	observe	observe	VERB
fbem-27700	184	7	that	that	SCONJ
fbem-27700	184	8	between	between	ADP
fbem-27700	184	9	2003	2003	NUM
fbem-27700	184	10	and	and	CCONJ
fbem-27700	184	11	2011	2011	NUM
fbem-27700	184	12	,	,	PUNCT
fbem-27700	184	13	the	the	DET
fbem-27700	184	14	estimated	estimate	VERB
fbem-27700	184	15	difference	difference	NOUN
fbem-27700	184	16	in	in	ADP
fbem-27700	184	17	the	the	DET
fbem-27700	184	18	credit	credit	NOUN
fbem-27700	184	19	accessibility	accessibility	NOUN
fbem-27700	184	20	between	between	ADP
fbem-27700	184	21	the	the	DET
fbem-27700	184	22	treatment	treatment	NOUN
fbem-27700	184	23	group	group	NOUN
fbem-27700	184	24	and	and	CCONJ
fbem-27700	184	25	the	the	DET
fbem-27700	184	26	control	control	NOUN
fbem-27700	184	27	group	group	NOUN
fbem-27700	184	28	(	(	PUNCT
fbem-27700	184	29	based	base	VERB
fbem-27700	184	30	on	on	ADP
fbem-27700	184	31	regions	region	NOUN
fbem-27700	184	32	with	with	ADP
fbem-27700	184	33	different	different	ADJ
fbem-27700	184	34	levels	level	NOUN
fbem-27700	184	35	of	of	ADP
fbem-27700	184	36	banking	banking	NOUN
fbem-27700	184	37	competition	competition	NOUN
fbem-27700	184	38	)	)	PUNCT
fbem-27700	184	39	is	be	AUX
fbem-27700	184	40	close	close	ADJ
fbem-27700	184	41	to	to	ADP
fbem-27700	184	42	zero	zero	NUM
fbem-27700	184	43	.	.	PUNCT
fbem-27700	185	1	this	this	PRON
fbem-27700	185	2	indicates	indicate	VERB
fbem-27700	185	3	that	that	SCONJ
fbem-27700	185	4	,	,	PUNCT
fbem-27700	185	5	compared	compare	VERB
fbem-27700	185	6	to	to	ADP
fbem-27700	185	7	2012	2012	NUM
fbem-27700	185	8	(	(	PUNCT
fbem-27700	185	9	the	the	DET
fbem-27700	185	10	baseline	baseline	PROPN
fbem-27700	185	11	year	year	NOUN
fbem-27700	185	12	)	)	PUNCT
fbem-27700	185	13	,	,	PUNCT
fbem-27700	185	14	there	there	PRON
fbem-27700	185	15	were	be	VERB
fbem-27700	185	16	no	no	DET
fbem-27700	185	17	significant	significant	ADJ
fbem-27700	185	18	differences	difference	NOUN
fbem-27700	185	19	between	between	ADP
fbem-27700	185	20	the	the	DET
fbem-27700	185	21	two	two	NUM
fbem-27700	185	22	groups	group	NOUN
fbem-27700	185	23	during	during	ADP
fbem-27700	185	24	this	this	DET
fbem-27700	185	25	period	period	NOUN
fbem-27700	185	26	.	.	PUNCT
fbem-27700	186	1	this	this	DET
fbem-27700	186	2	finding	finding	NOUN
fbem-27700	186	3	supports	support	VERB
fbem-27700	186	4	the	the	DET
fbem-27700	186	5	validity	validity	NOUN
fbem-27700	186	6	of	of	ADP
fbem-27700	186	7	the	the	DET
fbem-27700	186	8	parallel	parallel	ADJ
fbem-27700	186	9	trends	trend	NOUN
fbem-27700	186	10	assumption	assumption	NOUN
fbem-27700	186	11	prior	prior	ADV
fbem-27700	186	12	to	to	ADP
fbem-27700	186	13	the	the	DET
fbem-27700	186	14	policy	policy	NOUN
fbem-27700	186	15	intervention	intervention	NOUN
fbem-27700	186	16	.	.	PUNCT
fbem-27700	187	1	figure	figure	NOUN
fbem-27700	187	2	1	1	NUM
fbem-27700	187	3	.	.	PUNCT
fbem-27700	187	4	parallel	parallel	ADJ
fbem-27700	187	5	trend	trend	NOUN
fbem-27700	187	6	test	test	NOUN
fbem-27700	187	7	4.2.2	4.2.2	X
fbem-27700	187	8	.	.	PUNCT
fbem-27700	188	1	variable	variable	ADJ
fbem-27700	188	2	substitution	substitution	NOUN
fbem-27700	188	3	test	test	NOUN
fbem-27700	188	4	to	to	PART
fbem-27700	188	5	examine	examine	VERB
fbem-27700	188	6	the	the	DET
fbem-27700	188	7	robustness	robustness	NOUN
fbem-27700	188	8	of	of	ADP
fbem-27700	188	9	the	the	DET
fbem-27700	188	10	regression	regression	NOUN
fbem-27700	188	11	results	result	NOUN
fbem-27700	189	1	,	,	PUNCT
fbem-27700	189	2	one	one	NUM
fbem-27700	189	3	common	common	ADJ
fbem-27700	189	4	approach	approach	NOUN
fbem-27700	189	5	is	be	AUX
fbem-27700	189	6	to	to	ADP
fbem-27700	189	7	substitute	substitute	NOUN
fbem-27700	189	8	variables	variable	NOUN
fbem-27700	189	9	.	.	PUNCT
fbem-27700	190	1	in	in	ADP
fbem-27700	190	2	the	the	DET
fbem-27700	190	3	original	original	ADJ
fbem-27700	190	4	analysis	analysis	NOUN
fbem-27700	190	5	,	,	PUNCT
fbem-27700	190	6	the	the	DET
fbem-27700	190	7	dependent	dependent	ADJ
fbem-27700	190	8	variable	variable	NOUN
fbem-27700	190	9	,	,	PUNCT
fbem-27700	190	10	loan	loan	NOUN
fbem-27700	190	11	accessibility	accessibility	NOUN
fbem-27700	190	12	,	,	PUNCT
fbem-27700	190	13	was	be	AUX
fbem-27700	190	14	a	a	DET
fbem-27700	190	15	binary	binary	ADJ
fbem-27700	190	16	variable	variable	NOUN
fbem-27700	190	17	distinguishing	distinguishing	NOUN
fbem-27700	190	18	between	between	ADP
fbem-27700	190	19	farmers	farmer	NOUN
fbem-27700	190	20	who	who	PRON
fbem-27700	190	21	had	have	VERB
fbem-27700	190	22	loans	loan	NOUN
fbem-27700	190	23	and	and	CCONJ
fbem-27700	190	24	those	those	PRON
fbem-27700	190	25	who	who	PRON
fbem-27700	190	26	did	do	VERB
fbem-27700	190	27	not	not	PART
fbem-27700	190	28	.	.	PUNCT
fbem-27700	191	1	in	in	ADP
fbem-27700	191	2	this	this	DET
fbem-27700	191	3	robustness	robustness	NOUN
fbem-27700	191	4	test	test	NOUN
fbem-27700	191	5	,	,	PUNCT
fbem-27700	191	6	we	we	PRON
fbem-27700	191	7	replace	replace	VERB
fbem-27700	191	8	the	the	DET
fbem-27700	191	9	original	original	ADJ
fbem-27700	191	10	dependent	dependent	ADJ
fbem-27700	191	11	variable	variable	NOUN
fbem-27700	191	12	with	with	ADP
fbem-27700	191	13	the	the	DET
fbem-27700	191	14	scale	scale	NOUN
fbem-27700	191	15	of	of	ADP
fbem-27700	191	16	the	the	DET
fbem-27700	191	17	loan	loan	NOUN
fbem-27700	191	18	(	(	PUNCT
fbem-27700	191	19	y2	y2	PROPN
fbem-27700	191	20	)	)	PUNCT
fbem-27700	191	21	,	,	PUNCT
fbem-27700	191	22	using	use	VERB
fbem-27700	191	23	the	the	DET
fbem-27700	191	24	logarithm	logarithm	NOUN
fbem-27700	191	25	of	of	ADP
fbem-27700	191	26	the	the	DET
fbem-27700	191	27	end	end	NOUN
fbem-27700	191	28	-	-	PUNCT
fbem-27700	191	29	of	of	ADP
fbem-27700	191	30	-	-	PUNCT
fbem-27700	191	31	year	year	NOUN
fbem-27700	191	32	loan	loan	NOUN
fbem-27700	191	33	balance	balance	NOUN
fbem-27700	191	34	as	as	ADP
fbem-27700	191	35	the	the	DET
fbem-27700	191	36	new	new	ADJ
fbem-27700	191	37	dependent	dependent	ADJ
fbem-27700	191	38	variable	variable	NOUN
fbem-27700	191	39	for	for	ADP
fbem-27700	191	40	regression	regression	NOUN
fbem-27700	191	41	analysis	analysis	NOUN
fbem-27700	191	42	.	.	PUNCT
fbem-27700	192	1	for	for	ADP
fbem-27700	192	2	the	the	DET
fbem-27700	192	3	explanatory	explanatory	ADJ
fbem-27700	192	4	variables	variable	NOUN
fbem-27700	192	5	,	,	PUNCT
fbem-27700	192	6	we	we	PRON
fbem-27700	192	7	replace	replace	VERB
fbem-27700	192	8	the	the	DET
fbem-27700	192	9	herfindahlhirschman	herfindahlhirschman	PROPN
fbem-27700	192	10	index	index	NOUN
fbem-27700	192	11	(	(	PUNCT
fbem-27700	192	12	hhi	hhi	NOUN
fbem-27700	192	13	)	)	PUNCT
fbem-27700	192	14	with	with	ADP
fbem-27700	192	15	the	the	DET
fbem-27700	192	16	market	market	NOUN
fbem-27700	192	17	share	share	NOUN
fbem-27700	192	18	ratios	ratio	NOUN
fbem-27700	192	19	of	of	ADP
fbem-27700	192	20	the	the	DET
fbem-27700	192	21	top	top	ADJ
fbem-27700	192	22	banks	bank	NOUN
fbem-27700	192	23	in	in	ADP
fbem-27700	192	24	the	the	DET
fbem-27700	192	25	city	city	NOUN
fbem-27700	192	26	.	.	PUNCT
fbem-27700	193	1	specifically	specifically	ADV
fbem-27700	193	2	,	,	PUNCT
fbem-27700	193	3	we	we	PRON
fbem-27700	193	4	use	use	VERB
fbem-27700	193	5	the	the	DET
fbem-27700	193	6	proportion	proportion	NOUN
fbem-27700	193	7	of	of	ADP
fbem-27700	193	8	bank	bank	NOUN
fbem-27700	193	9	branches	branch	NOUN
fbem-27700	193	10	of	of	ADP
fbem-27700	193	11	the	the	DET
fbem-27700	193	12	top	top	ADJ
fbem-27700	193	13	three	three	NUM
fbem-27700	193	14	banks	bank	NOUN
fbem-27700	193	15	(	(	PUNCT
fbem-27700	193	16	cr3	cr3	NOUN
fbem-27700	193	17	)	)	PUNCT
fbem-27700	193	18	,	,	PUNCT
fbem-27700	193	19	the	the	DET
fbem-27700	193	20	top	top	ADJ
fbem-27700	193	21	four	four	NUM
fbem-27700	193	22	banks	bank	NOUN
fbem-27700	193	23	(	(	PUNCT
fbem-27700	193	24	cr4	cr4	PROPN
fbem-27700	193	25	)	)	PUNCT
fbem-27700	193	26	,	,	PUNCT
fbem-27700	193	27	and	and	CCONJ
fbem-27700	193	28	the	the	DET
fbem-27700	193	29	top	top	ADJ
fbem-27700	193	30	five	five	NUM
fbem-27700	193	31	banks	bank	NOUN
fbem-27700	193	32	(	(	PUNCT
fbem-27700	193	33	cr5	cr5	PROPN
fbem-27700	193	34	)	)	PUNCT
fbem-27700	193	35	in	in	ADP
fbem-27700	193	36	the	the	DET
fbem-27700	193	37	local	local	ADJ
fbem-27700	193	38	market	market	NOUN
fbem-27700	193	39	to	to	PART
fbem-27700	193	40	assess	assess	VERB
fbem-27700	193	41	the	the	DET
fbem-27700	193	42	robustness	robustness	NOUN
fbem-27700	193	43	of	of	ADP
fbem-27700	193	44	the	the	DET
fbem-27700	193	45	results	result	NOUN
fbem-27700	193	46	.	.	PUNCT
fbem-27700	194	1	the	the	DET
fbem-27700	194	2	results	result	NOUN
fbem-27700	194	3	are	be	AUX
fbem-27700	194	4	presented	present	VERB
fbem-27700	194	5	in	in	ADP
fbem-27700	194	6	table	table	NOUN
fbem-27700	194	7	2	2	NUM
fbem-27700	194	8	.	.	PUNCT
fbem-27700	194	9	column	column	NOUN
fbem-27700	194	10	(	(	PUNCT
fbem-27700	194	11	1	1	X
fbem-27700	194	12	)	)	PUNCT
fbem-27700	194	13	shows	show	VERB
fbem-27700	194	14	the	the	DET
fbem-27700	194	15	regression	regression	NOUN
fbem-27700	194	16	results	result	VERB
fbem-27700	194	17	with	with	ADP
fbem-27700	194	18	the	the	DET
fbem-27700	194	19	substituted	substitute	VERB
fbem-27700	194	20	dependent	dependent	ADJ
fbem-27700	194	21	variable	variable	NOUN
fbem-27700	194	22	,	,	PUNCT
fbem-27700	194	23	loan	loan	NOUN
fbem-27700	194	24	scale	scale	NOUN
fbem-27700	194	25	,	,	PUNCT
fbem-27700	194	26	and	and	CCONJ
fbem-27700	194	27	columns	column	NOUN
fbem-27700	194	28	(	(	PUNCT
fbem-27700	194	29	2	2	NUM
fbem-27700	194	30	)	)	PUNCT
fbem-27700	194	31	to	to	AUX
fbem-27700	194	32	(	(	PUNCT
fbem-27700	194	33	4	4	X
fbem-27700	194	34	)	)	PUNCT
fbem-27700	194	35	show	show	VERB
fbem-27700	194	36	the	the	DET
fbem-27700	194	37	regression	regression	NOUN
fbem-27700	194	38	results	result	VERB
fbem-27700	194	39	with	with	ADP
fbem-27700	194	40	the	the	DET
fbem-27700	194	41	substituted	substitute	VERB
fbem-27700	194	42	explanatory	explanatory	ADJ
fbem-27700	194	43	variables	variable	NOUN
fbem-27700	194	44	.	.	PUNCT
fbem-27700	195	1	all	all	DET
fbem-27700	195	2	regressions	regression	NOUN
fbem-27700	195	3	include	include	VERB
fbem-27700	195	4	the	the	DET
fbem-27700	195	5	control	control	NOUN
fbem-27700	195	6	variables	variable	NOUN
fbem-27700	195	7	.	.	PUNCT
fbem-27700	196	1	the	the	DET
fbem-27700	196	2	results	result	NOUN
fbem-27700	196	3	remain	remain	VERB
fbem-27700	196	4	consistent	consistent	ADJ
fbem-27700	196	5	with	with	ADP
fbem-27700	196	6	the	the	DET
fbem-27700	196	7	earlier	early	ADJ
fbem-27700	196	8	findings	finding	NOUN
fbem-27700	196	9	,	,	PUNCT
fbem-27700	196	10	indicating	indicate	VERB
fbem-27700	196	11	that	that	SCONJ
fbem-27700	196	12	the	the	DET
fbem-27700	196	13	conclusions	conclusion	NOUN
fbem-27700	196	14	are	be	AUX
fbem-27700	196	15	robust	robust	ADJ
fbem-27700	196	16	.	.	PUNCT
fbem-27700	197	1	table	table	NOUN
fbem-27700	197	2	2	2	NUM
fbem-27700	197	3	.	.	PUNCT
fbem-27700	197	4	variable	variable	ADJ
fbem-27700	197	5	substitution	substitution	NOUN
fbem-27700	197	6	test	test	NOUN
fbem-27700	197	7	(	(	PUNCT
fbem-27700	197	8	1	1	NUM
fbem-27700	197	9	)	)	PUNCT
fbem-27700	197	10	(	(	PUNCT
fbem-27700	197	11	2	2	NUM
fbem-27700	197	12	)	)	PUNCT
fbem-27700	197	13	(	(	PUNCT
fbem-27700	197	14	3	3	X
fbem-27700	197	15	)	)	PUNCT
fbem-27700	197	16	(	(	PUNCT
fbem-27700	197	17	4	4	X
fbem-27700	197	18	)	)	PUNCT
fbem-27700	197	19	variables	variable	NOUN
fbem-27700	197	20	y2	y2	NOUN
fbem-27700	197	21	y1	y1	NOUN
fbem-27700	197	22	y1	y1	INTJ
fbem-27700	198	1	y1	y1	NOUN
fbem-27700	198	2	hhi*post	hhi*post	NOUN
fbem-27700	198	3	27.403	27.403	NUM
fbem-27700	198	4	*	*	PUNCT
fbem-27700	198	5	*	*	PUNCT
fbem-27700	198	6	*	*	PUNCT
fbem-27700	198	7	(	(	PUNCT
fbem-27700	198	8	-5.96	-5.96	NOUN
fbem-27700	198	9	)	)	PUNCT
fbem-27700	198	10	cr3*post	cr3*post	VERB
fbem-27700	199	1	35.253	35.253	NUM
fbem-27700	199	2	*	*	PUNCT
fbem-27700	199	3	*	*	PUNCT
fbem-27700	199	4	*	*	PUNCT
fbem-27700	199	5	(	(	PUNCT
fbem-27700	199	6	-5.86	-5.86	NOUN
fbem-27700	199	7	)	)	PUNCT
fbem-27700	199	8	cr4*post	cr4*post	ADP
fbem-27700	199	9	22.451	22.451	NUM
fbem-27700	199	10	*	*	PUNCT
fbem-27700	199	11	*	*	PUNCT
fbem-27700	199	12	*	*	PUNCT
fbem-27700	199	13	(	(	PUNCT
fbem-27700	199	14	-6.16	-6.16	NUM
fbem-27700	199	15	)	)	PUNCT
fbem-27700	199	16	cr5*post	cr5*post	X
fbem-27700	200	1	15.010	15.010	NUM
fbem-27700	200	2	*	*	PUNCT
fbem-27700	200	3	*	*	PUNCT
fbem-27700	200	4	*	*	PUNCT
fbem-27700	200	5	(	(	PUNCT
fbem-27700	200	6	-6.20	-6.20	NUM
fbem-27700	200	7	)	)	PUNCT
fbem-27700	200	8	observations	observation	NOUN
fbem-27700	200	9	4,927	4,927	NUM
fbem-27700	200	10	4,927	4,927	NUM
fbem-27700	200	11	4,927	4,927	NUM
fbem-27700	200	12	4,927	4,927	NUM
fbem-27700	200	13	r	r	NOUN
fbem-27700	200	14	-	-	PUNCT
fbem-27700	200	15	squared	square	VERB
fbem-27700	200	16	0.462	0.462	NUM
fbem-27700	200	17	0.454	0.454	NUM
fbem-27700	200	18	0.454	0.454	NUM
fbem-27700	200	19	0.454	0.454	NUM
fbem-27700	200	20	i	i	PROPN
fbem-27700	200	21	d	d	PROPN
fbem-27700	200	22	fe	fe	INTJ
fbem-27700	201	1	yes	yes	INTJ
fbem-27700	201	2	yes	yes	INTJ
fbem-27700	202	1	yes	yes	INTJ
fbem-27700	203	1	yes	yes	INTJ
fbem-27700	203	2	year	year	NOUN
fbem-27700	204	1	fe	fe	INTJ
fbem-27700	205	1	yes	yes	INTJ
fbem-27700	205	2	yes	yes	INTJ
fbem-27700	206	1	yes	yes	INTJ
fbem-27700	207	1	yes	yes	INTJ
fbem-27700	207	2	4.3	4.3	NUM
fbem-27700	207	3	.	.	PUNCT
fbem-27700	208	1	mechanism	mechanism	NOUN
fbem-27700	208	2	analysis	analysis	NOUN
fbem-27700	208	3	4.3.1	4.3.1	NUM
fbem-27700	208	4	.	.	PUNCT
fbem-27700	209	1	promotion	promotion	NOUN
fbem-27700	209	2	of	of	ADP
fbem-27700	209	3	village	village	NOUN
fbem-27700	209	4	credit	credit	NOUN
fbem-27700	209	5	officer	officer	NOUN
fbem-27700	209	6	numbers	number	NOUN
fbem-27700	209	7	this	this	DET
fbem-27700	209	8	study	study	NOUN
fbem-27700	209	9	uses	use	VERB
fbem-27700	209	10	a	a	DET
fbem-27700	209	11	two	two	NUM
fbem-27700	209	12	-	-	PUNCT
fbem-27700	209	13	step	step	NOUN
fbem-27700	209	14	mediation	mediation	NOUN
fbem-27700	209	15	model	model	NOUN
fbem-27700	209	16	to	to	PART
fbem-27700	209	17	examine	examine	VERB
fbem-27700	209	18	the	the	DET
fbem-27700	209	19	impact	impact	NOUN
fbem-27700	209	20	of	of	ADP
fbem-27700	209	21	financial	financial	ADJ
fbem-27700	209	22	institution	institution	NOUN
fbem-27700	209	23	competition	competition	NOUN
fbem-27700	209	24	on	on	ADP
fbem-27700	209	25	the	the	DET
fbem-27700	209	26	number	number	NOUN
fbem-27700	209	27	of	of	ADP
fbem-27700	209	28	village	village	NOUN
fbem-27700	209	29	credit	credit	NOUN
fbem-27700	209	30	officers	officer	NOUN
fbem-27700	209	31	,	,	PUNCT
fbem-27700	209	32	testing	test	VERB
fbem-27700	209	33	whether	whether	SCONJ
fbem-27700	209	34	the	the	DET
fbem-27700	209	35	increase	increase	NOUN
fbem-27700	209	36	in	in	ADP
fbem-27700	209	37	competition	competition	NOUN
fbem-27700	209	38	within	within	ADP
fbem-27700	209	39	financial	financial	ADJ
fbem-27700	209	40	institutions	institution	NOUN
fbem-27700	209	41	leads	lead	VERB
fbem-27700	209	42	to	to	ADP
fbem-27700	209	43	an	an	DET
fbem-27700	209	44	increase	increase	NOUN
fbem-27700	209	45	in	in	ADP
fbem-27700	209	46	the	the	DET
fbem-27700	209	47	number	number	NOUN
fbem-27700	209	48	of	of	ADP
fbem-27700	209	49	credit	credit	NOUN
fbem-27700	209	50	officers	officer	NOUN
fbem-27700	209	51	.	.	PUNCT
fbem-27700	210	1	the	the	DET
fbem-27700	210	2	regression	regression	NOUN
fbem-27700	210	3	results	result	NOUN
fbem-27700	210	4	are	be	AUX
fbem-27700	210	5	presented	present	VERB
fbem-27700	210	6	in	in	ADP
fbem-27700	210	7	table	table	NOUN
fbem-27700	210	8	3	3	NUM
fbem-27700	210	9	,	,	PUNCT
fbem-27700	210	10	column	column	NOUN
fbem-27700	210	11	(	(	PUNCT
fbem-27700	210	12	1	1	NUM
fbem-27700	210	13	)	)	PUNCT
fbem-27700	210	14	.	.	PUNCT
fbem-27700	211	1	the	the	DET
fbem-27700	211	2	results	result	NOUN
fbem-27700	211	3	show	show	VERB
fbem-27700	211	4	that	that	SCONJ
fbem-27700	211	5	the	the	DET
fbem-27700	211	6	coefficient	coefficient	NOUN
fbem-27700	211	7	for	for	ADP
fbem-27700	211	8	the	the	DET
fbem-27700	211	9	financial	financial	ADJ
fbem-27700	211	10	institution	institution	NOUN
fbem-27700	211	11	competition	competition	NOUN
fbem-27700	211	12	variable	variable	NOUN
fbem-27700	211	13	is	be	AUX
fbem-27700	211	14	significantly	significantly	ADV
fbem-27700	211	15	negative	negative	ADJ
fbem-27700	211	16	at	at	ADP
fbem-27700	211	17	the	the	DET
fbem-27700	211	18	1	1	NUM
fbem-27700	211	19	%	%	NOUN
fbem-27700	211	20	level	level	NOUN
fbem-27700	211	21	.	.	PUNCT
fbem-27700	212	1	the	the	DET
fbem-27700	212	2	regression	regression	NOUN
fbem-27700	212	3	results	result	NOUN
fbem-27700	212	4	suggest	suggest	VERB
fbem-27700	212	5	that	that	SCONJ
fbem-27700	212	6	the	the	DET
fbem-27700	212	7	reform	reform	NOUN
fbem-27700	212	8	in	in	ADP
fbem-27700	212	9	financial	financial	ADJ
fbem-27700	212	10	institution	institution	NOUN
fbem-27700	212	11	competition	competition	NOUN
fbem-27700	212	12	has	have	AUX
fbem-27700	212	13	facilitated	facilitate	VERB
fbem-27700	212	14	the	the	DET
fbem-27700	212	15	increase	increase	NOUN
fbem-27700	212	16	in	in	ADP
fbem-27700	212	17	the	the	DET
fbem-27700	212	18	number	number	NOUN
fbem-27700	212	19	of	of	ADP
fbem-27700	212	20	credit	credit	NOUN
fbem-27700	212	21	officers	officer	NOUN
fbem-27700	212	22	,	,	PUNCT
fbem-27700	212	23	which	which	PRON
fbem-27700	212	24	in	in	ADP
fbem-27700	212	25	turn	turn	NOUN
fbem-27700	212	26	enhanced	enhance	VERB
fbem-27700	212	27	the	the	DET
fbem-27700	212	28	localization	localization	NOUN
fbem-27700	212	29	of	of	ADP
fbem-27700	212	30	services	service	NOUN
fbem-27700	212	31	,	,	PUNCT
fbem-27700	212	32	reduced	reduce	VERB
fbem-27700	212	33	the	the	DET
fbem-27700	212	34	difficulty	difficulty	NOUN
fbem-27700	212	35	in	in	ADP
fbem-27700	212	36	collecting	collect	VERB
fbem-27700	212	37	soft	soft	ADJ
fbem-27700	212	38	information	information	NOUN
fbem-27700	212	39	from	from	ADP
fbem-27700	212	40	farmers	farmer	NOUN
fbem-27700	212	41	,	,	PUNCT
fbem-27700	212	42	and	and	CCONJ
fbem-27700	212	43	addressed	address	VERB
fbem-27700	212	44	the	the	DET
fbem-27700	212	45	issue	issue	NOUN
fbem-27700	212	46	of	of	ADP
fbem-27700	212	47	information	information	NOUN
fbem-27700	212	48	asymmetry	asymmetry	NOUN
fbem-27700	212	49	.	.	PUNCT
fbem-27700	213	1	this	this	DET
fbem-27700	213	2	reduction	reduction	NOUN
fbem-27700	213	3	in	in	ADP
fbem-27700	213	4	transaction	transaction	NOUN
fbem-27700	213	5	costs	cost	NOUN
fbem-27700	213	6	has	have	AUX
fbem-27700	213	7	consequently	consequently	ADV
fbem-27700	213	8	improved	improve	VERB
fbem-27700	213	9	the	the	DET
fbem-27700	213	10	accessibility	accessibility	NOUN
fbem-27700	213	11	of	of	ADP
fbem-27700	213	12	credit	credit	NOUN
fbem-27700	213	13	for	for	ADP
fbem-27700	213	14	farmers	farmer	NOUN
fbem-27700	213	15	.	.	PUNCT
fbem-27700	214	1	the	the	DET
fbem-27700	214	2	increase	increase	NOUN
fbem-27700	214	3	in	in	ADP
fbem-27700	214	4	credit	credit	NOUN
fbem-27700	214	5	officers	officer	NOUN
fbem-27700	214	6	intensified	intensify	VERB
fbem-27700	214	7	the	the	DET
fbem-27700	214	8	competition	competition	NOUN
fbem-27700	214	9	among	among	ADP
fbem-27700	214	10	financial	financial	ADJ
fbem-27700	214	11	institutions	institution	NOUN
fbem-27700	214	12	,	,	PUNCT
fbem-27700	214	13	promoted	promote	VERB
fbem-27700	214	14	the	the	DET
fbem-27700	214	15	marketization	marketization	NOUN
fbem-27700	214	16	of	of	ADP
fbem-27700	214	17	some	some	DET
fbem-27700	214	18	financial	financial	ADJ
fbem-27700	214	19	functions	function	NOUN
fbem-27700	214	20	,	,	PUNCT
fbem-27700	214	21	alleviated	alleviate	VERB
fbem-27700	214	22	financial	financial	ADJ
fbem-27700	214	23	constraints	constraint	NOUN
fbem-27700	214	24	,	,	PUNCT
fbem-27700	214	25	and	and	CCONJ
fbem-27700	214	26	fostered	foster	VERB
fbem-27700	214	27	social	social	ADJ
fbem-27700	214	28	equity	equity	NOUN
fbem-27700	214	29	.	.	PUNCT
fbem-27700	215	1	this	this	PRON
fbem-27700	215	2	reflects	reflect	VERB
fbem-27700	215	3	the	the	DET
fbem-27700	215	4	significance	significance	NOUN
fbem-27700	215	5	of	of	ADP
fbem-27700	215	6	the	the	DET
fbem-27700	215	7	demonstration	demonstration	NOUN
fbem-27700	215	8	zone	zone	NOUN
fbem-27700	215	9	for	for	ADP
fbem-27700	215	10	common	common	ADJ
fbem-27700	215	11	prosperity	prosperity	NOUN
fbem-27700	215	12	.	.	PUNCT
fbem-27700	216	1	as	as	ADP
fbem-27700	216	2	frontline	frontline	NOUN
fbem-27700	216	3	staff	staff	NOUN
fbem-27700	216	4	,	,	PUNCT
fbem-27700	216	5	credit	credit	NOUN
fbem-27700	216	6	officers	officer	NOUN
fbem-27700	216	7	collect	collect	VERB
fbem-27700	216	8	soft	soft	ADJ
fbem-27700	216	9	information	information	NOUN
fbem-27700	216	10	from	from	ADP
fbem-27700	216	11	clients	client	NOUN
fbem-27700	216	12	,	,	PUNCT
fbem-27700	216	13	meet	meet	VERB
fbem-27700	216	14	the	the	DET
fbem-27700	216	15	financing	financing	NOUN
fbem-27700	216	16	needs	need	NOUN
fbem-27700	216	17	within	within	ADP
fbem-27700	216	18	the	the	DET
fbem-27700	216	19	agricultural	agricultural	ADJ
fbem-27700	216	20	supply	supply	NOUN
fbem-27700	216	21	chain	chain	NOUN
fbem-27700	216	22	,	,	PUNCT
fbem-27700	216	23	and	and	CCONJ
fbem-27700	216	24	help	help	VERB
fbem-27700	216	25	build	build	VERB
fbem-27700	216	26	a	a	DET
fbem-27700	216	27	supply	supply	NOUN
fbem-27700	216	28	chain	chain	NOUN
fbem-27700	216	29	finance	finance	NOUN
fbem-27700	216	30	ecosystem	ecosystem	NOUN
fbem-27700	216	31	,	,	PUNCT
fbem-27700	216	32	thereby	thereby	ADV
fbem-27700	216	33	promoting	promote	VERB
fbem-27700	216	34	cooperation	cooperation	NOUN
fbem-27700	216	35	and	and	CCONJ
fbem-27700	216	36	mutual	mutual	ADJ
fbem-27700	216	37	benefits	benefit	NOUN
fbem-27700	216	38	between	between	ADP
fbem-27700	216	39	farmers	farmer	NOUN
fbem-27700	216	40	and	and	CCONJ
fbem-27700	216	41	enterprises	enterprise	NOUN
fbem-27700	216	42	.	.	PUNCT
fbem-27700	217	1	4.3.2	4.3.2	X
fbem-27700	217	2	.	.	PUNCT
fbem-27700	218	1	promotion	promotion	NOUN
fbem-27700	218	2	of	of	ADP
fbem-27700	218	3	financial	financial	ADJ
fbem-27700	218	4	knowledge	knowledge	NOUN
fbem-27700	218	5	dissemination	dissemination	NOUN
fbem-27700	218	6	using	use	VERB
fbem-27700	218	7	a	a	DET
fbem-27700	218	8	two	two	NUM
fbem-27700	218	9	-	-	PUNCT
fbem-27700	218	10	step	step	NOUN
fbem-27700	218	11	mediation	mediation	NOUN
fbem-27700	218	12	model	model	NOUN
fbem-27700	218	13	,	,	PUNCT
fbem-27700	218	14	this	this	DET
fbem-27700	218	15	study	study	NOUN
fbem-27700	218	16	examines	examine	VERB
fbem-27700	218	17	the	the	DET
fbem-27700	218	18	impact	impact	NOUN
fbem-27700	218	19	of	of	ADP
fbem-27700	218	20	financial	financial	ADJ
fbem-27700	218	21	institution	institution	NOUN
fbem-27700	218	22	competition	competition	NOUN
fbem-27700	218	23	on	on	ADP
fbem-27700	218	24	the	the	DET
fbem-27700	218	25	dissemination	dissemination	NOUN
fbem-27700	218	26	of	of	ADP
fbem-27700	218	27	financial	financial	ADJ
fbem-27700	218	28	knowledge	knowledge	NOUN
fbem-27700	218	29	,	,	PUNCT
fbem-27700	218	30	testing	test	VERB
fbem-27700	218	31	whether	whether	SCONJ
fbem-27700	218	32	the	the	DET
fbem-27700	218	33	reform	reform	NOUN
fbem-27700	218	34	of	of	ADP
fbem-27700	218	35	financial	financial	ADJ
fbem-27700	218	36	institution	institution	NOUN
fbem-27700	218	37	competition	competition	NOUN
fbem-27700	218	38	can	can	AUX
fbem-27700	218	39	promote	promote	VERB
fbem-27700	218	40	the	the	DET
fbem-27700	218	41	spread	spread	NOUN
fbem-27700	218	42	of	of	ADP
fbem-27700	218	43	financial	financial	ADJ
fbem-27700	218	44	knowledge	knowledge	NOUN
fbem-27700	218	45	.	.	PUNCT
fbem-27700	219	1	the	the	DET
fbem-27700	219	2	regression	regression	NOUN
fbem-27700	219	3	results	result	NOUN
fbem-27700	219	4	are	be	AUX
fbem-27700	219	5	presented	present	VERB
fbem-27700	219	6	in	in	ADP
fbem-27700	219	7	table	table	NOUN
fbem-27700	219	8	3	3	NUM
fbem-27700	219	9	,	,	PUNCT
fbem-27700	219	10	column	column	NOUN
fbem-27700	219	11	(	(	PUNCT
fbem-27700	219	12	2	2	NUM
fbem-27700	219	13	)	)	PUNCT
fbem-27700	219	14	.	.	PUNCT
fbem-27700	220	1	the	the	DET
fbem-27700	220	2	results	result	NOUN
fbem-27700	220	3	show	show	VERB
fbem-27700	220	4	that	that	SCONJ
fbem-27700	220	5	the	the	DET
fbem-27700	220	6	coefficient	coefficient	NOUN
fbem-27700	220	7	for	for	ADP
fbem-27700	220	8	the	the	DET
fbem-27700	220	9	financial	financial	ADJ
fbem-27700	220	10	institution	institution	NOUN
fbem-27700	220	11	competition	competition	NOUN
fbem-27700	220	12	variable	variable	NOUN
fbem-27700	220	13	is	be	AUX
fbem-27700	220	14	significantly	significantly	ADV
fbem-27700	220	15	negative	negative	ADJ
fbem-27700	220	16	at	at	ADP
fbem-27700	220	17	the	the	DET
fbem-27700	220	18	1	1	NUM
fbem-27700	220	19	%	%	NOUN
fbem-27700	220	20	level	level	NOUN
fbem-27700	220	21	.	.	PUNCT
fbem-27700	221	1	after	after	ADP
fbem-27700	221	2	the	the	DET
fbem-27700	221	3	reform	reform	NOUN
fbem-27700	221	4	of	of	ADP
fbem-27700	221	5	financial	financial	ADJ
fbem-27700	221	6	institution	institution	NOUN
fbem-27700	221	7	competition	competition	NOUN
fbem-27700	221	8	,	,	PUNCT
fbem-27700	221	9	financial	financial	ADJ
fbem-27700	221	10	knowledge	knowledge	NOUN
fbem-27700	221	11	was	be	AUX
fbem-27700	221	12	disseminated	disseminate	VERB
fbem-27700	221	13	to	to	ADP
fbem-27700	221	14	farmers	farmer	NOUN
fbem-27700	221	15	,	,	PUNCT
fbem-27700	221	16	improving	improve	VERB
fbem-27700	221	17	their	their	PRON
fbem-27700	221	18	financial	financial	ADJ
fbem-27700	221	19	literacy	literacy	NOUN
fbem-27700	221	20	.	.	PUNCT
fbem-27700	222	1	the	the	DET
fbem-27700	222	2	regression	regression	NOUN
fbem-27700	222	3	results	result	NOUN
fbem-27700	222	4	indicate	indicate	VERB
fbem-27700	222	5	that	that	SCONJ
fbem-27700	222	6	the	the	DET
fbem-27700	222	7	reform	reform	NOUN
fbem-27700	222	8	of	of	ADP
fbem-27700	222	9	financial	financial	ADJ
fbem-27700	222	10	institution	institution	NOUN
fbem-27700	222	11	competition	competition	NOUN
fbem-27700	222	12	strengthened	strengthen	VERB
fbem-27700	222	13	the	the	DET
fbem-27700	222	14	promotion	promotion	NOUN
fbem-27700	222	15	of	of	ADP
fbem-27700	222	16	financial	financial	ADJ
fbem-27700	222	17	knowledge	knowledge	NOUN
fbem-27700	222	18	,	,	PUNCT
fbem-27700	222	19	enhancing	enhance	VERB
fbem-27700	222	20	the	the	DET
fbem-27700	222	21	financial	financial	ADJ
fbem-27700	222	22	349	349	NUM
fbem-27700	222	23	literacy	literacy	NOUN
fbem-27700	222	24	of	of	ADP
fbem-27700	222	25	farmers	farmer	NOUN
fbem-27700	222	26	,	,	PUNCT
fbem-27700	222	27	and	and	CCONJ
fbem-27700	222	28	thus	thus	ADV
fbem-27700	222	29	improving	improve	VERB
fbem-27700	222	30	their	their	PRON
fbem-27700	222	31	access	access	NOUN
fbem-27700	222	32	to	to	ADP
fbem-27700	222	33	credit	credit	NOUN
fbem-27700	222	34	.	.	PUNCT
fbem-27700	223	1	in	in	ADP
fbem-27700	223	2	particular	particular	ADJ
fbem-27700	223	3	,	,	PUNCT
fbem-27700	223	4	in	in	ADP
fbem-27700	223	5	the	the	DET
fbem-27700	223	6	agricultural	agricultural	ADJ
fbem-27700	223	7	sector	sector	NOUN
fbem-27700	223	8	,	,	PUNCT
fbem-27700	223	9	financial	financial	ADJ
fbem-27700	223	10	institutions	institution	NOUN
fbem-27700	223	11	provide	provide	VERB
fbem-27700	223	12	financial	financial	ADJ
fbem-27700	223	13	consultation	consultation	NOUN
fbem-27700	223	14	to	to	ADP
fbem-27700	223	15	farmers	farmer	NOUN
fbem-27700	223	16	through	through	ADP
fbem-27700	223	17	formal	formal	ADJ
fbem-27700	223	18	credit	credit	NOUN
fbem-27700	223	19	information	information	NOUN
fbem-27700	223	20	platforms	platform	NOUN
fbem-27700	223	21	and	and	CCONJ
fbem-27700	223	22	modern	modern	ADJ
fbem-27700	223	23	information	information	NOUN
fbem-27700	223	24	technologies	technology	NOUN
fbem-27700	223	25	,	,	PUNCT
fbem-27700	223	26	addressing	address	VERB
fbem-27700	223	27	credit	credit	NOUN
fbem-27700	223	28	knowledge	knowledge	NOUN
fbem-27700	223	29	biases	bias	NOUN
fbem-27700	223	30	and	and	CCONJ
fbem-27700	223	31	misperceptions	misperception	NOUN
fbem-27700	223	32	.	.	PUNCT
fbem-27700	224	1	this	this	DET
fbem-27700	224	2	initiative	initiative	NOUN
fbem-27700	224	3	also	also	ADV
fbem-27700	224	4	improved	improve	VERB
fbem-27700	224	5	the	the	DET
fbem-27700	224	6	recognition	recognition	NOUN
fbem-27700	224	7	of	of	ADP
fbem-27700	224	8	financial	financial	ADJ
fbem-27700	224	9	products	product	NOUN
fbem-27700	224	10	and	and	CCONJ
fbem-27700	224	11	the	the	DET
fbem-27700	224	12	application	application	NOUN
fbem-27700	224	13	of	of	ADP
fbem-27700	224	14	information	information	NOUN
fbem-27700	224	15	technology	technology	NOUN
fbem-27700	224	16	by	by	ADP
fbem-27700	224	17	participants	participant	NOUN
fbem-27700	224	18	in	in	ADP
fbem-27700	224	19	the	the	DET
fbem-27700	224	20	agricultural	agricultural	ADJ
fbem-27700	224	21	supply	supply	NOUN
fbem-27700	224	22	chain	chain	NOUN
fbem-27700	224	23	,	,	PUNCT
fbem-27700	224	24	promoting	promote	VERB
fbem-27700	224	25	the	the	DET
fbem-27700	224	26	establishment	establishment	NOUN
fbem-27700	224	27	of	of	ADP
fbem-27700	224	28	a	a	DET
fbem-27700	224	29	financial	financial	ADJ
fbem-27700	224	30	ecosystem	ecosystem	NOUN
fbem-27700	224	31	,	,	PUNCT
fbem-27700	224	32	increasing	increase	VERB
fbem-27700	224	33	the	the	DET
fbem-27700	224	34	transparency	transparency	NOUN
fbem-27700	224	35	of	of	ADP
fbem-27700	224	36	financial	financial	ADJ
fbem-27700	224	37	services	service	NOUN
fbem-27700	224	38	,	,	PUNCT
fbem-27700	224	39	and	and	CCONJ
fbem-27700	224	40	driving	drive	VERB
fbem-27700	224	41	the	the	DET
fbem-27700	224	42	healthy	healthy	ADJ
fbem-27700	224	43	development	development	NOUN
fbem-27700	224	44	of	of	ADP
fbem-27700	224	45	the	the	DET
fbem-27700	224	46	agricultural	agricultural	ADJ
fbem-27700	224	47	supply	supply	NOUN
fbem-27700	224	48	chain	chain	NOUN
fbem-27700	224	49	.	.	PUNCT
fbem-27700	225	1	table	table	NOUN
fbem-27700	225	2	3	3	NUM
fbem-27700	225	3	.	.	PUNCT
fbem-27700	226	1	mechanism	mechanism	NOUN
fbem-27700	226	2	analysis	analysis	NOUN
fbem-27700	226	3	variables	variable	NOUN
fbem-27700	226	4	(	(	PUNCT
fbem-27700	226	5	1	1	NUM
fbem-27700	226	6	)	)	PUNCT
fbem-27700	226	7	(	(	PUNCT
fbem-27700	226	8	2	2	X
fbem-27700	226	9	)	)	PUNCT
fbem-27700	226	10	hhi*post	hhi*post	NOUN
fbem-27700	226	11	-2.100	-2.100	ADV
fbem-27700	226	12	*	*	PUNCT
fbem-27700	226	13	*	*	PUNCT
fbem-27700	226	14	*	*	PUNCT
fbem-27700	226	15	-9.253	-9.253	PUNCT
fbem-27700	226	16	*	*	PUNCT
fbem-27700	226	17	*	*	PUNCT
fbem-27700	226	18	*	*	PUNCT
fbem-27700	226	19	(	(	PUNCT
fbem-27700	226	20	-6.79	-6.79	NUM
fbem-27700	226	21	)	)	PUNCT
fbem-27700	226	22	(	(	PUNCT
fbem-27700	226	23	-7.52	-7.52	NOUN
fbem-27700	226	24	)	)	PUNCT
fbem-27700	226	25	people	people	NOUN
fbem-27700	226	26	-0.008	-0.008	NOUN
fbem-27700	226	27	*	*	PUNCT
fbem-27700	226	28	*	*	NOUN
fbem-27700	226	29	0.022	0.022	NUM
fbem-27700	226	30	(	(	PUNCT
fbem-27700	226	31	-2.13	-2.13	NOUN
fbem-27700	226	32	)	)	PUNCT
fbem-27700	226	33	(	(	PUNCT
fbem-27700	226	34	1.45	1.45	NUM
fbem-27700	226	35	)	)	PUNCT
fbem-27700	226	36	labor	labor	NOUN
fbem-27700	226	37	-0.017	-0.017	NOUN
fbem-27700	226	38	*	*	NOUN
fbem-27700	226	39	*	*	PUNCT
fbem-27700	226	40	*	*	PUNCT
fbem-27700	226	41	-0.045	-0.045	PUNCT
fbem-27700	226	42	*	*	PUNCT
fbem-27700	226	43	*	*	PUNCT
fbem-27700	226	44	*	*	PUNCT
fbem-27700	226	45	(	(	PUNCT
fbem-27700	226	46	-4.13	-4.13	NUM
fbem-27700	226	47	)	)	PUNCT
fbem-27700	226	48	(	(	PUNCT
fbem-27700	226	49	-2.74	-2.74	NOUN
fbem-27700	226	50	)	)	PUNCT
fbem-27700	226	51	land	land	NOUN
fbem-27700	226	52	0.003	0.003	NUM
fbem-27700	226	53	0.021	0.021	NUM
fbem-27700	226	54	*	*	PUNCT
fbem-27700	226	55	(	(	PUNCT
fbem-27700	226	56	1.26	1.26	NUM
fbem-27700	226	57	)	)	PUNCT
fbem-27700	226	58	(	(	PUNCT
fbem-27700	226	59	1.95	1.95	NUM
fbem-27700	226	60	)	)	PUNCT
fbem-27700	226	61	fix	fix	NOUN
fbem-27700	226	62	-0.004	-0.004	NOUN
fbem-27700	226	63	*	*	PUNCT
fbem-27700	226	64	*	*	PUNCT
fbem-27700	226	65	*	*	NOUN
fbem-27700	226	66	0.005	0.005	NUM
fbem-27700	226	67	(	(	PUNCT
fbem-27700	226	68	-3.00	-3.00	NUM
fbem-27700	226	69	)	)	PUNCT
fbem-27700	226	70	(	(	PUNCT
fbem-27700	226	71	1.06	1.06	NUM
fbem-27700	226	72	)	)	PUNCT
fbem-27700	226	73	sex	sex	NOUN
fbem-27700	226	74	-0.004	-0.004	PUNCT
fbem-27700	226	75	0.046	0.046	NUM
fbem-27700	226	76	(	(	PUNCT
fbem-27700	226	77	-0.19	-0.19	NOUN
fbem-27700	226	78	)	)	PUNCT
fbem-27700	226	79	(	(	PUNCT
fbem-27700	226	80	0.50	0.50	NUM
fbem-27700	226	81	)	)	PUNCT
fbem-27700	226	82	age	age	NOUN
fbem-27700	226	83	-0.000	-0.000	PUNCT
fbem-27700	226	84	0.004	0.004	NUM
fbem-27700	226	85	*	*	PUNCT
fbem-27700	226	86	*	*	PUNCT
fbem-27700	226	87	(	(	PUNCT
fbem-27700	226	88	-0.70	-0.70	NOUN
fbem-27700	226	89	)	)	PUNCT
fbem-27700	226	90	(	(	PUNCT
fbem-27700	226	91	1.98	1.98	NUM
fbem-27700	226	92	)	)	PUNCT
fbem-27700	226	93	eduyears	eduyear	NOUN
fbem-27700	226	94	-0.003	-0.003	PROPN
fbem-27700	226	95	0.018	0.018	NUM
fbem-27700	226	96	(	(	PUNCT
fbem-27700	226	97	-1.10	-1.10	NOUN
fbem-27700	226	98	)	)	PUNCT
fbem-27700	226	99	(	(	PUNCT
fbem-27700	226	100	1.54	1.54	NUM
fbem-27700	226	101	)	)	PUNCT
fbem-27700	226	102	constant	constant	ADJ
fbem-27700	226	103	0.285	0.285	NUM
fbem-27700	226	104	*	*	PUNCT
fbem-27700	226	105	*	*	PUNCT
fbem-27700	226	106	*	*	PUNCT
fbem-27700	226	107	4.182	4.182	NUM
fbem-27700	226	108	*	*	PUNCT
fbem-27700	226	109	*	*	PUNCT
fbem-27700	227	1	*	*	PUNCT
fbem-27700	228	1	(	(	PUNCT
fbem-27700	228	2	5.92	5.92	NUM
fbem-27700	228	3	)	)	PUNCT
fbem-27700	228	4	(	(	PUNCT
fbem-27700	228	5	21.86	21.86	NUM
fbem-27700	228	6	)	)	PUNCT
fbem-27700	228	7	observations	observation	NOUN
fbem-27700	228	8	4,927	4,927	NUM
fbem-27700	228	9	4,927	4,927	NUM
fbem-27700	228	10	r	r	NOUN
fbem-27700	228	11	-	-	PUNCT
fbem-27700	228	12	squared	square	VERB
fbem-27700	228	13	0.643	0.643	NUM
fbem-27700	228	14	0.680	0.680	NUM
fbem-27700	228	15	i	i	PROPN
fbem-27700	228	16	d	d	PROPN
fbem-27700	228	17	fe	fe	INTJ
fbem-27700	229	1	yes	yes	INTJ
fbem-27700	229	2	yes	yes	INTJ
fbem-27700	229	3	year	year	NOUN
fbem-27700	229	4	fe	fe	INTJ
fbem-27700	230	1	yes	yes	INTJ
fbem-27700	230	2	yes	yes	INTJ
fbem-27700	230	3	4.3.3	4.3.3	NUM
fbem-27700	230	4	.	.	PUNCT
fbem-27700	231	1	moderating	moderate	VERB
fbem-27700	231	2	effect	effect	NOUN
fbem-27700	231	3	of	of	ADP
fbem-27700	231	4	agricultural	agricultural	ADJ
fbem-27700	231	5	industrialization	industrialization	NOUN
fbem-27700	231	6	level	level	NOUN
fbem-27700	231	7	table	table	NOUN
fbem-27700	231	8	4	4	NUM
fbem-27700	231	9	reports	report	VERB
fbem-27700	231	10	the	the	DET
fbem-27700	231	11	estimated	estimate	VERB
fbem-27700	231	12	results	result	NOUN
fbem-27700	231	13	,	,	PUNCT
fbem-27700	231	14	with	with	ADP
fbem-27700	231	15	column	column	NOUN
fbem-27700	231	16	(	(	PUNCT
fbem-27700	231	17	1	1	X
fbem-27700	231	18	)	)	PUNCT
fbem-27700	231	19	showing	show	VERB
fbem-27700	231	20	the	the	DET
fbem-27700	231	21	moderating	moderate	VERB
fbem-27700	231	22	effect	effect	NOUN
fbem-27700	231	23	of	of	ADP
fbem-27700	231	24	agricultural	agricultural	ADJ
fbem-27700	231	25	industrialization	industrialization	NOUN
fbem-27700	231	26	.	.	PUNCT
fbem-27700	232	1	the	the	DET
fbem-27700	232	2	results	result	NOUN
fbem-27700	232	3	reveal	reveal	VERB
fbem-27700	232	4	that	that	SCONJ
fbem-27700	232	5	the	the	DET
fbem-27700	232	6	coefficient	coefficient	NOUN
fbem-27700	232	7	for	for	ADP
fbem-27700	232	8	the	the	DET
fbem-27700	232	9	interaction	interaction	NOUN
fbem-27700	232	10	term	term	NOUN
fbem-27700	232	11	is	be	AUX
fbem-27700	232	12	significantly	significantly	ADV
fbem-27700	232	13	negative	negative	ADJ
fbem-27700	232	14	at	at	ADP
fbem-27700	232	15	the	the	DET
fbem-27700	232	16	1	1	NUM
fbem-27700	232	17	%	%	NOUN
fbem-27700	232	18	level	level	NOUN
fbem-27700	232	19	,	,	PUNCT
fbem-27700	232	20	indicating	indicate	VERB
fbem-27700	232	21	that	that	SCONJ
fbem-27700	232	22	as	as	SCONJ
fbem-27700	232	23	agricultural	agricultural	ADJ
fbem-27700	232	24	industrialization	industrialization	NOUN
fbem-27700	232	25	develops	develop	VERB
fbem-27700	232	26	,	,	PUNCT
fbem-27700	232	27	it	it	PRON
fbem-27700	232	28	strengthens	strengthen	VERB
fbem-27700	232	29	the	the	DET
fbem-27700	232	30	effect	effect	NOUN
fbem-27700	232	31	of	of	ADP
fbem-27700	232	32	financial	financial	ADJ
fbem-27700	232	33	institution	institution	NOUN
fbem-27700	232	34	competition	competition	NOUN
fbem-27700	232	35	on	on	ADP
fbem-27700	232	36	improving	improve	VERB
fbem-27700	232	37	farmers	farmer	NOUN
fbem-27700	232	38	'	'	PART
fbem-27700	232	39	access	access	NOUN
fbem-27700	232	40	to	to	ADP
fbem-27700	232	41	credit	credit	NOUN
fbem-27700	232	42	.	.	PUNCT
fbem-27700	233	1	agricultural	agricultural	ADJ
fbem-27700	233	2	industrialization	industrialization	NOUN
fbem-27700	233	3	adopts	adopt	VERB
fbem-27700	233	4	market	market	NOUN
fbem-27700	233	5	-	-	PUNCT
fbem-27700	233	6	oriented	orient	VERB
fbem-27700	233	7	,	,	PUNCT
fbem-27700	233	8	economically	economically	ADV
fbem-27700	233	9	efficient	efficient	ADJ
fbem-27700	233	10	strategies	strategy	NOUN
fbem-27700	233	11	,	,	PUNCT
fbem-27700	233	12	focusing	focus	VERB
fbem-27700	233	13	on	on	ADP
fbem-27700	233	14	leading	lead	VERB
fbem-27700	233	15	industries	industry	NOUN
fbem-27700	233	16	and	and	CCONJ
fbem-27700	233	17	products	product	NOUN
fbem-27700	233	18	,	,	PUNCT
fbem-27700	233	19	and	and	CCONJ
fbem-27700	233	20	optimizing	optimize	VERB
fbem-27700	233	21	the	the	DET
fbem-27700	233	22	combination	combination	NOUN
fbem-27700	233	23	of	of	ADP
fbem-27700	233	24	production	production	NOUN
fbem-27700	233	25	factors	factor	NOUN
fbem-27700	233	26	to	to	PART
fbem-27700	233	27	create	create	VERB
fbem-27700	233	28	effective	effective	ADJ
fbem-27700	233	29	industry	industry	NOUN
fbem-27700	233	30	organization	organization	NOUN
fbem-27700	233	31	models	model	NOUN
fbem-27700	233	32	.	.	PUNCT
fbem-27700	234	1	the	the	DET
fbem-27700	234	2	core	core	NOUN
fbem-27700	234	3	of	of	ADP
fbem-27700	234	4	this	this	DET
fbem-27700	234	5	approach	approach	NOUN
fbem-27700	234	6	lies	lie	VERB
fbem-27700	234	7	in	in	ADP
fbem-27700	234	8	improving	improve	VERB
fbem-27700	234	9	the	the	DET
fbem-27700	234	10	organizational	organizational	ADJ
fbem-27700	234	11	structure	structure	NOUN
fbem-27700	234	12	of	of	ADP
fbem-27700	234	13	agriculture	agriculture	NOUN
fbem-27700	234	14	and	and	CCONJ
fbem-27700	234	15	enhancing	enhance	VERB
fbem-27700	234	16	its	its	PRON
fbem-27700	234	17	development	development	NOUN
fbem-27700	234	18	level	level	NOUN
fbem-27700	234	19	,	,	PUNCT
fbem-27700	234	20	making	make	VERB
fbem-27700	234	21	agriculture	agriculture	NOUN
fbem-27700	234	22	more	more	ADV
fbem-27700	234	23	aligned	aligned	ADJ
fbem-27700	234	24	with	with	ADP
fbem-27700	234	25	market	market	NOUN
fbem-27700	234	26	demand	demand	NOUN
fbem-27700	234	27	and	and	CCONJ
fbem-27700	234	28	economic	economic	ADJ
fbem-27700	234	29	growth	growth	NOUN
fbem-27700	234	30	requirements	requirement	NOUN
fbem-27700	234	31	.	.	PUNCT
fbem-27700	235	1	after	after	ADP
fbem-27700	235	2	the	the	DET
fbem-27700	235	3	financial	financial	ADJ
fbem-27700	235	4	institution	institution	NOUN
fbem-27700	235	5	competition	competition	NOUN
fbem-27700	235	6	reform	reform	NOUN
fbem-27700	235	7	,	,	PUNCT
fbem-27700	235	8	more	more	ADJ
fbem-27700	235	9	financial	financial	ADJ
fbem-27700	235	10	institutions	institution	NOUN
fbem-27700	235	11	are	be	AUX
fbem-27700	235	12	willing	willing	ADJ
fbem-27700	235	13	to	to	PART
fbem-27700	235	14	invest	invest	VERB
fbem-27700	235	15	in	in	ADP
fbem-27700	235	16	large	large	ADJ
fbem-27700	235	17	-	-	PUNCT
fbem-27700	235	18	scale	scale	NOUN
fbem-27700	235	19	,	,	PUNCT
fbem-27700	235	20	branded	brand	VERB
fbem-27700	235	21	,	,	PUNCT
fbem-27700	235	22	industrialized	industrialized	ADJ
fbem-27700	235	23	,	,	PUNCT
fbem-27700	235	24	and	and	CCONJ
fbem-27700	235	25	specialized	specialized	ADJ
fbem-27700	235	26	agricultural	agricultural	ADJ
fbem-27700	235	27	industries	industry	NOUN
fbem-27700	235	28	.	.	PUNCT
fbem-27700	236	1	at	at	ADP
fbem-27700	236	2	the	the	DET
fbem-27700	236	3	same	same	ADJ
fbem-27700	236	4	time	time	NOUN
fbem-27700	236	5	,	,	PUNCT
fbem-27700	236	6	agricultural	agricultural	ADJ
fbem-27700	236	7	industrialization	industrialization	NOUN
fbem-27700	236	8	promotes	promote	VERB
fbem-27700	236	9	the	the	DET
fbem-27700	236	10	development	development	NOUN
fbem-27700	236	11	of	of	ADP
fbem-27700	236	12	new	new	ADJ
fbem-27700	236	13	business	business	NOUN
fbem-27700	236	14	entities	entity	NOUN
fbem-27700	236	15	and	and	CCONJ
fbem-27700	236	16	leading	lead	VERB
fbem-27700	236	17	enterprises	enterprise	NOUN
fbem-27700	236	18	,	,	PUNCT
fbem-27700	236	19	providing	provide	VERB
fbem-27700	236	20	a	a	DET
fbem-27700	236	21	foundation	foundation	NOUN
fbem-27700	236	22	for	for	ADP
fbem-27700	236	23	the	the	DET
fbem-27700	236	24	formation	formation	NOUN
fbem-27700	236	25	of	of	ADP
fbem-27700	236	26	supply	supply	NOUN
fbem-27700	236	27	chains	chain	NOUN
fbem-27700	236	28	.	.	PUNCT
fbem-27700	237	1	the	the	DET
fbem-27700	237	2	agricultural	agricultural	ADJ
fbem-27700	237	3	supply	supply	NOUN
fbem-27700	237	4	chain	chain	NOUN
fbem-27700	237	5	connects	connect	VERB
fbem-27700	237	6	various	various	ADJ
fbem-27700	237	7	stages	stage	NOUN
fbem-27700	237	8	from	from	ADP
fbem-27700	237	9	the	the	DET
fbem-27700	237	10	farm	farm	NOUN
fbem-27700	237	11	to	to	ADP
fbem-27700	237	12	the	the	DET
fbem-27700	237	13	table	table	NOUN
fbem-27700	237	14	,	,	PUNCT
fbem-27700	237	15	ensuring	ensure	VERB
fbem-27700	237	16	effective	effective	ADJ
fbem-27700	237	17	coordination	coordination	NOUN
fbem-27700	237	18	of	of	ADP
fbem-27700	237	19	agricultural	agricultural	ADJ
fbem-27700	237	20	production	production	NOUN
fbem-27700	237	21	,	,	PUNCT
fbem-27700	237	22	processing	processing	NOUN
fbem-27700	237	23	,	,	PUNCT
fbem-27700	237	24	supply	supply	NOUN
fbem-27700	237	25	,	,	PUNCT
fbem-27700	237	26	and	and	CCONJ
fbem-27700	237	27	sales	sale	NOUN
fbem-27700	237	28	,	,	PUNCT
fbem-27700	237	29	forming	form	VERB
fbem-27700	237	30	a	a	DET
fbem-27700	237	31	closely	closely	ADV
fbem-27700	237	32	-	-	PUNCT
fbem-27700	237	33	knit	knit	VERB
fbem-27700	237	34	system	system	NOUN
fbem-27700	237	35	.	.	PUNCT
fbem-27700	238	1	on	on	ADP
fbem-27700	238	2	this	this	DET
fbem-27700	238	3	basis	basis	NOUN
fbem-27700	238	4	,	,	PUNCT
fbem-27700	238	5	financial	financial	ADJ
fbem-27700	238	6	institutions	institution	NOUN
fbem-27700	238	7	provide	provide	VERB
fbem-27700	238	8	more	more	ADV
fbem-27700	238	9	efficient	efficient	ADJ
fbem-27700	238	10	and	and	CCONJ
fbem-27700	238	11	convenient	convenient	ADJ
fbem-27700	238	12	financial	financial	ADJ
fbem-27700	238	13	services	service	NOUN
fbem-27700	238	14	,	,	PUNCT
fbem-27700	238	15	contributing	contribute	VERB
fbem-27700	238	16	to	to	ADP
fbem-27700	238	17	the	the	DET
fbem-27700	238	18	formation	formation	NOUN
fbem-27700	238	19	of	of	ADP
fbem-27700	238	20	a	a	DET
fbem-27700	238	21	financial	financial	ADJ
fbem-27700	238	22	ecosystem	ecosystem	NOUN
fbem-27700	238	23	.	.	PUNCT
fbem-27700	239	1	4.3.4	4.3.4	X
fbem-27700	239	2	.	.	PUNCT
fbem-27700	240	1	moderating	moderate	VERB
fbem-27700	240	2	effect	effect	NOUN
fbem-27700	240	3	of	of	ADP
fbem-27700	240	4	agricultural	agricultural	ADJ
fbem-27700	240	5	digitalization	digitalization	NOUN
fbem-27700	240	6	level	level	NOUN
fbem-27700	240	7	table	table	NOUN
fbem-27700	240	8	4	4	NUM
fbem-27700	240	9	also	also	ADV
fbem-27700	240	10	reports	report	VERB
fbem-27700	240	11	the	the	DET
fbem-27700	240	12	estimated	estimate	VERB
fbem-27700	240	13	results	result	NOUN
fbem-27700	240	14	for	for	ADP
fbem-27700	240	15	the	the	DET
fbem-27700	240	16	moderating	moderate	VERB
fbem-27700	240	17	effect	effect	NOUN
fbem-27700	240	18	of	of	ADP
fbem-27700	240	19	agricultural	agricultural	ADJ
fbem-27700	240	20	digitalization	digitalization	NOUN
fbem-27700	240	21	,	,	PUNCT
fbem-27700	240	22	with	with	ADP
fbem-27700	240	23	column	column	NOUN
fbem-27700	240	24	(	(	PUNCT
fbem-27700	240	25	2	2	X
fbem-27700	240	26	)	)	PUNCT
fbem-27700	240	27	showing	show	VERB
fbem-27700	240	28	the	the	DET
fbem-27700	240	29	results	result	NOUN
fbem-27700	240	30	.	.	PUNCT
fbem-27700	241	1	the	the	DET
fbem-27700	241	2	coefficient	coefficient	NOUN
fbem-27700	241	3	for	for	ADP
fbem-27700	241	4	the	the	DET
fbem-27700	241	5	interaction	interaction	NOUN
fbem-27700	241	6	term	term	NOUN
fbem-27700	241	7	is	be	AUX
fbem-27700	241	8	significantly	significantly	ADV
fbem-27700	241	9	negative	negative	ADJ
fbem-27700	241	10	at	at	ADP
fbem-27700	241	11	the	the	DET
fbem-27700	241	12	1	1	NUM
fbem-27700	241	13	%	%	NOUN
fbem-27700	241	14	level	level	NOUN
fbem-27700	241	15	,	,	PUNCT
fbem-27700	241	16	indicating	indicate	VERB
fbem-27700	241	17	that	that	SCONJ
fbem-27700	241	18	as	as	ADP
fbem-27700	241	19	digitalization	digitalization	NOUN
fbem-27700	241	20	advances	advance	NOUN
fbem-27700	241	21	,	,	PUNCT
fbem-27700	241	22	it	it	PRON
fbem-27700	241	23	enhances	enhance	VERB
fbem-27700	241	24	the	the	DET
fbem-27700	241	25	effect	effect	NOUN
fbem-27700	241	26	of	of	ADP
fbem-27700	241	27	financial	financial	ADJ
fbem-27700	241	28	institution	institution	NOUN
fbem-27700	241	29	competition	competition	NOUN
fbem-27700	241	30	on	on	ADP
fbem-27700	241	31	improving	improve	VERB
fbem-27700	241	32	farmers	farmer	NOUN
fbem-27700	241	33	'	'	PART
fbem-27700	241	34	access	access	NOUN
fbem-27700	241	35	to	to	ADP
fbem-27700	241	36	credit	credit	NOUN
fbem-27700	241	37	.	.	PUNCT
fbem-27700	242	1	credit	credit	NOUN
fbem-27700	242	2	officers	officer	NOUN
fbem-27700	242	3	can	can	AUX
fbem-27700	242	4	go	go	VERB
fbem-27700	242	5	into	into	ADP
fbem-27700	242	6	villages	village	NOUN
fbem-27700	242	7	to	to	PART
fbem-27700	242	8	promote	promote	VERB
fbem-27700	242	9	farmers	farmer	NOUN
fbem-27700	242	10	'	'	PART
fbem-27700	242	11	use	use	NOUN
fbem-27700	242	12	of	of	ADP
fbem-27700	242	13	digital	digital	ADJ
fbem-27700	242	14	tools	tool	NOUN
fbem-27700	242	15	,	,	PUNCT
fbem-27700	242	16	enabling	enable	VERB
fbem-27700	242	17	them	they	PRON
fbem-27700	242	18	to	to	PART
fbem-27700	242	19	access	access	VERB
fbem-27700	242	20	financial	financial	ADJ
fbem-27700	242	21	information	information	NOUN
fbem-27700	242	22	and	and	CCONJ
fbem-27700	242	23	utilize	utilize	VERB
fbem-27700	242	24	internet	internet	NOUN
fbem-27700	242	25	financial	financial	ADJ
fbem-27700	242	26	products	product	NOUN
fbem-27700	242	27	offered	offer	VERB
fbem-27700	242	28	by	by	ADP
fbem-27700	242	29	financial	financial	ADJ
fbem-27700	242	30	institutions	institution	NOUN
fbem-27700	242	31	.	.	PUNCT
fbem-27700	243	1	table	table	NOUN
fbem-27700	243	2	4	4	NUM
fbem-27700	243	3	.	.	PUNCT
fbem-27700	243	4	moderating	moderate	VERB
fbem-27700	243	5	effect	effect	NOUN
fbem-27700	243	6	of	of	ADP
fbem-27700	243	7	agricultural	agricultural	ADJ
fbem-27700	243	8	(	(	PUNCT
fbem-27700	243	9	1	1	NUM
fbem-27700	243	10	)	)	PUNCT
fbem-27700	243	11	(	(	PUNCT
fbem-27700	243	12	2	2	X
fbem-27700	243	13	)	)	PUNCT
fbem-27700	243	14	variables	variable	NOUN
fbem-27700	243	15	y	y	PROPN
fbem-27700	243	16	y	y	PROPN
fbem-27700	243	17	m*hhi*post	m*hhi*post	ADJ
fbem-27700	243	18	-7.059	-7.059	PROPN
fbem-27700	243	19	*	*	PUNCT
fbem-27700	243	20	*	*	PUNCT
fbem-27700	243	21	-0.572	-0.572	VERB
fbem-27700	243	22	*	*	PUNCT
fbem-27700	243	23	*	*	PUNCT
fbem-27700	243	24	*	*	PUNCT
fbem-27700	243	25	(	(	PUNCT
fbem-27700	243	26	-2.45	-2.45	NUM
fbem-27700	243	27	)	)	PUNCT
fbem-27700	243	28	(	(	PUNCT
fbem-27700	243	29	-4.26	-4.26	X
fbem-27700	243	30	)	)	PUNCT
fbem-27700	243	31	hhi*post	hhi*post	NOUN
fbem-27700	243	32	-1.544	-1.544	NOUN
fbem-27700	243	33	*	*	PUNCT
fbem-27700	243	34	*	*	PUNCT
fbem-27700	243	35	*	*	PUNCT
fbem-27700	244	1	-1.296	-1.296	PUNCT
fbem-27700	244	2	*	*	PUNCT
fbem-27700	244	3	*	*	PUNCT
fbem-27700	244	4	*	*	PUNCT
fbem-27700	244	5	(	(	PUNCT
fbem-27700	244	6	-2.61	-2.61	NOUN
fbem-27700	244	7	)	)	PUNCT
fbem-27700	244	8	(	(	PUNCT
fbem-27700	244	9	-2.61	-2.61	NOUN
fbem-27700	244	10	)	)	PUNCT
fbem-27700	244	11	m	m	VERB
fbem-27700	244	12	1.021	1.021	NUM
fbem-27700	244	13	*	*	PUNCT
fbem-27700	244	14	*	*	PUNCT
fbem-27700	244	15	*	*	PUNCT
fbem-27700	244	16	0.031	0.031	NUM
fbem-27700	244	17	*	*	PUNCT
fbem-27700	244	18	*	*	PUNCT
fbem-27700	244	19	(	(	PUNCT
fbem-27700	244	20	3.10	3.10	NUM
fbem-27700	244	21	)	)	PUNCT
fbem-27700	244	22	(	(	PUNCT
fbem-27700	244	23	2.22	2.22	NUM
fbem-27700	244	24	)	)	PUNCT
fbem-27700	244	25	people	people	NOUN
fbem-27700	244	26	-0.006	-0.006	PUNCT
fbem-27700	244	27	-0.005	-0.005	PUNCT
fbem-27700	244	28	(	(	PUNCT
fbem-27700	244	29	-1.17	-1.17	NUM
fbem-27700	244	30	)	)	PUNCT
fbem-27700	244	31	(	(	PUNCT
fbem-27700	244	32	-1.09	-1.09	NOUN
fbem-27700	244	33	)	)	PUNCT
fbem-27700	244	34	labor	labor	NOUN
fbem-27700	244	35	0.018	0.018	NUM
fbem-27700	244	36	*	*	PUNCT
fbem-27700	244	37	*	*	PUNCT
fbem-27700	244	38	*	*	PUNCT
fbem-27700	245	1	0.015	0.015	NUM
fbem-27700	245	2	*	*	PUNCT
fbem-27700	245	3	*	*	PUNCT
fbem-27700	245	4	*	*	PUNCT
fbem-27700	245	5	(	(	PUNCT
fbem-27700	245	6	3.15	3.15	NUM
fbem-27700	245	7	)	)	PUNCT
fbem-27700	245	8	(	(	PUNCT
fbem-27700	245	9	2.90	2.90	NUM
fbem-27700	245	10	)	)	PUNCT
fbem-27700	245	11	land	land	NOUN
fbem-27700	245	12	-0.003	-0.003	NOUN
fbem-27700	245	13	-0.006	-0.006	PROPN
fbem-27700	245	14	*	*	PUNCT
fbem-27700	245	15	*	*	PUNCT
fbem-27700	245	16	(	(	PUNCT
fbem-27700	245	17	-0.67	-0.67	NUM
fbem-27700	245	18	)	)	PUNCT
fbem-27700	245	19	(	(	PUNCT
fbem-27700	245	20	-2.10	-2.10	NOUN
fbem-27700	245	21	)	)	PUNCT
fbem-27700	245	22	fix	fix	VERB
fbem-27700	245	23	0.007	0.007	NUM
fbem-27700	245	24	*	*	PUNCT
fbem-27700	245	25	*	*	PUNCT
fbem-27700	245	26	*	*	PUNCT
fbem-27700	245	27	0.011	0.011	NUM
fbem-27700	245	28	*	*	PUNCT
fbem-27700	245	29	*	*	PUNCT
fbem-27700	245	30	*	*	PUNCT
fbem-27700	245	31	(	(	PUNCT
fbem-27700	245	32	3.70	3.70	NUM
fbem-27700	245	33	)	)	PUNCT
fbem-27700	245	34	(	(	PUNCT
fbem-27700	245	35	7.43	7.43	NUM
fbem-27700	245	36	)	)	PUNCT
fbem-27700	245	37	sex	sex	NOUN
fbem-27700	245	38	0.027	0.027	NUM
fbem-27700	245	39	0.022	0.022	NUM
fbem-27700	245	40	(	(	PUNCT
fbem-27700	245	41	0.83	0.83	NUM
fbem-27700	245	42	)	)	PUNCT
fbem-27700	245	43	(	(	PUNCT
fbem-27700	245	44	0.88	0.88	NUM
fbem-27700	245	45	)	)	PUNCT
fbem-27700	245	46	age	age	NOUN
fbem-27700	245	47	0.000	0.000	NUM
fbem-27700	245	48	0.000	0.000	NUM
fbem-27700	245	49	(	(	PUNCT
fbem-27700	245	50	0.35	0.35	NUM
fbem-27700	245	51	)	)	PUNCT
fbem-27700	245	52	(	(	PUNCT
fbem-27700	245	53	0.16	0.16	NUM
fbem-27700	245	54	)	)	PUNCT
fbem-27700	245	55	eduyears	eduyear	VERB
fbem-27700	245	56	0.005	0.005	NUM
fbem-27700	245	57	0.004	0.004	NUM
fbem-27700	245	58	(	(	PUNCT
fbem-27700	245	59	1.17	1.17	NUM
fbem-27700	245	60	)	)	PUNCT
fbem-27700	245	61	(	(	PUNCT
fbem-27700	245	62	1.14	1.14	NUM
fbem-27700	245	63	)	)	PUNCT
fbem-27700	245	64	constant	constant	ADJ
fbem-27700	245	65	0.086	0.086	NUM
fbem-27700	245	66	0.002	0.002	NUM
fbem-27700	245	67	(	(	PUNCT
fbem-27700	245	68	1.23	1.23	NUM
fbem-27700	245	69	)	)	PUNCT
fbem-27700	245	70	(	(	PUNCT
fbem-27700	245	71	0.04	0.04	NUM
fbem-27700	245	72	)	)	PUNCT
fbem-27700	245	73	observations	observation	NOUN
fbem-27700	245	74	4,927	4,927	NUM
fbem-27700	245	75	4,927	4,927	NUM
fbem-27700	245	76	r	r	NOUN
fbem-27700	245	77	-	-	PUNCT
fbem-27700	245	78	squared	square	VERB
fbem-27700	245	79	0.461	0.461	NUM
fbem-27700	245	80	0.439	0.439	NUM
fbem-27700	245	81	i	i	PROPN
fbem-27700	245	82	d	d	PROPN
fbem-27700	245	83	fe	fe	INTJ
fbem-27700	246	1	yes	yes	INTJ
fbem-27700	246	2	yes	yes	INTJ
fbem-27700	246	3	year	year	NOUN
fbem-27700	246	4	fe	fe	INTJ
fbem-27700	247	1	yes	yes	INTJ
fbem-27700	247	2	yes	yes	INTJ
fbem-27700	247	3	financial	financial	ADJ
fbem-27700	247	4	institutions	institution	NOUN
fbem-27700	247	5	have	have	AUX
fbem-27700	247	6	heavily	heavily	ADV
fbem-27700	247	7	invested	invest	VERB
fbem-27700	247	8	in	in	ADP
fbem-27700	247	9	digitalization	digitalization	NOUN
fbem-27700	247	10	,	,	PUNCT
fbem-27700	247	11	building	build	VERB
fbem-27700	247	12	information	information	NOUN
fbem-27700	247	13	collection	collection	NOUN
fbem-27700	247	14	platforms	platform	NOUN
fbem-27700	247	15	and	and	CCONJ
fbem-27700	247	16	introducing	introduce	VERB
fbem-27700	247	17	a	a	DET
fbem-27700	247	18	wider	wide	ADJ
fbem-27700	247	19	range	range	NOUN
fbem-27700	247	20	of	of	ADP
fbem-27700	247	21	financial	financial	ADJ
fbem-27700	247	22	products	product	NOUN
fbem-27700	247	23	.	.	PUNCT
fbem-27700	248	1	overall	overall	ADJ
fbem-27700	248	2	,	,	PUNCT
fbem-27700	248	3	digitalization	digitalization	NOUN
fbem-27700	248	4	improves	improve	VERB
fbem-27700	248	5	the	the	DET
fbem-27700	248	6	quality	quality	NOUN
fbem-27700	248	7	of	of	ADP
fbem-27700	248	8	financial	financial	ADJ
fbem-27700	248	9	services	service	NOUN
fbem-27700	248	10	provided	provide	VERB
fbem-27700	248	11	by	by	ADP
fbem-27700	248	12	institutions	institution	NOUN
fbem-27700	248	13	and	and	CCONJ
fbem-27700	248	14	enhances	enhance	VERB
fbem-27700	248	15	the	the	DET
fbem-27700	248	16	creditworthiness	creditworthiness	NOUN
fbem-27700	248	17	of	of	ADP
fbem-27700	248	18	borrowers	borrower	NOUN
fbem-27700	248	19	,	,	PUNCT
fbem-27700	248	20	thereby	thereby	ADV
fbem-27700	248	21	increasing	increase	VERB
fbem-27700	248	22	loan	loan	NOUN
fbem-27700	248	23	availability	availability	NOUN
fbem-27700	248	24	.	.	PUNCT
fbem-27700	249	1	simultaneously	simultaneously	ADV
fbem-27700	249	2	,	,	PUNCT
fbem-27700	249	3	with	with	ADP
fbem-27700	249	4	the	the	DET
fbem-27700	249	5	rapid	rapid	ADJ
fbem-27700	249	6	development	development	NOUN
fbem-27700	249	7	of	of	ADP
fbem-27700	249	8	information	information	NOUN
fbem-27700	249	9	technologies	technology	NOUN
fbem-27700	249	10	,	,	PUNCT
fbem-27700	249	11	internet	internet	NOUN
fbem-27700	249	12	and	and	CCONJ
fbem-27700	249	13	iot	iot	NOUN
fbem-27700	249	14	applications	application	NOUN
fbem-27700	249	15	have	have	AUX
fbem-27700	249	16	been	be	AUX
fbem-27700	249	17	widely	widely	ADV
fbem-27700	249	18	implemented	implement	VERB
fbem-27700	249	19	in	in	ADP
fbem-27700	249	20	the	the	DET
fbem-27700	249	21	"	"	PUNCT
fbem-27700	249	22	agriculture	agriculture	NOUN
fbem-27700	249	23	,	,	PUNCT
fbem-27700	249	24	rural	rural	ADJ
fbem-27700	249	25	areas	area	NOUN
fbem-27700	249	26	,	,	PUNCT
fbem-27700	249	27	and	and	CCONJ
fbem-27700	249	28	farmers	farmer	NOUN
fbem-27700	249	29	"	"	PUNCT
fbem-27700	249	30	sector	sector	NOUN
fbem-27700	249	31	,	,	PUNCT
fbem-27700	249	32	leading	lead	VERB
fbem-27700	249	33	the	the	DET
fbem-27700	249	34	technological	technological	ADJ
fbem-27700	249	35	-	-	PUNCT
fbem-27700	249	36	driven	drive	VERB
fbem-27700	249	37	transformation	transformation	NOUN
fbem-27700	249	38	and	and	CCONJ
fbem-27700	249	39	upgrading	upgrading	NOUN
fbem-27700	249	40	of	of	ADP
fbem-27700	249	41	agricultural	agricultural	ADJ
fbem-27700	249	42	supply	supply	NOUN
fbem-27700	249	43	chains	chain	NOUN
fbem-27700	249	44	.	.	PUNCT
fbem-27700	250	1	the	the	DET
fbem-27700	250	2	widespread	widespread	ADJ
fbem-27700	250	3	use	use	NOUN
fbem-27700	250	4	of	of	ADP
fbem-27700	250	5	these	these	DET
fbem-27700	250	6	technologies	technology	NOUN
fbem-27700	250	7	has	have	AUX
fbem-27700	250	8	contributed	contribute	VERB
fbem-27700	250	9	to	to	ADP
fbem-27700	250	10	the	the	DET
fbem-27700	250	11	development	development	NOUN
fbem-27700	250	12	of	of	ADP
fbem-27700	250	13	smart	smart	ADJ
fbem-27700	250	14	agricultural	agricultural	ADJ
fbem-27700	250	15	supply	supply	NOUN
fbem-27700	250	16	chains	chain	NOUN
fbem-27700	250	17	,	,	PUNCT
fbem-27700	250	18	which	which	PRON
fbem-27700	250	19	is	be	AUX
fbem-27700	250	20	set	set	VERB
fbem-27700	250	21	to	to	PART
fbem-27700	250	22	become	become	VERB
fbem-27700	250	23	the	the	DET
fbem-27700	250	24	mainstream	mainstream	NOUN
fbem-27700	250	25	trend	trend	NOUN
fbem-27700	250	26	in	in	ADP
fbem-27700	250	27	the	the	DET
fbem-27700	250	28	future	future	NOUN
fbem-27700	250	29	.	.	PUNCT
fbem-27700	251	1	this	this	DET
fbem-27700	251	2	technology	technology	NOUN
fbem-27700	251	3	-	-	PUNCT
fbem-27700	251	4	driven	drive	VERB
fbem-27700	251	5	supply	supply	NOUN
fbem-27700	251	6	chain	chain	NOUN
fbem-27700	251	7	upgrade	upgrade	VERB
fbem-27700	251	8	not	not	PART
fbem-27700	251	9	only	only	ADV
fbem-27700	251	10	improves	improve	VERB
fbem-27700	251	11	the	the	DET
fbem-27700	251	12	efficiency	efficiency	NOUN
fbem-27700	251	13	and	and	CCONJ
fbem-27700	251	14	effectiveness	effectiveness	NOUN
fbem-27700	251	15	of	of	ADP
fbem-27700	251	16	agricultural	agricultural	ADJ
fbem-27700	251	17	production	production	NOUN
fbem-27700	251	18	but	but	CCONJ
fbem-27700	251	19	also	also	ADV
fbem-27700	251	20	aids	aid	VERB
fbem-27700	251	21	in	in	ADP
fbem-27700	251	22	the	the	DET
fbem-27700	251	23	350	350	NUM
fbem-27700	251	24	formation	formation	NOUN
fbem-27700	251	25	of	of	ADP
fbem-27700	251	26	a	a	DET
fbem-27700	251	27	financial	financial	ADJ
fbem-27700	251	28	ecosystem	ecosystem	NOUN
fbem-27700	251	29	,	,	PUNCT
fbem-27700	251	30	offering	offer	VERB
fbem-27700	251	31	more	more	ADJ
fbem-27700	251	32	opportunities	opportunity	NOUN
fbem-27700	251	33	and	and	CCONJ
fbem-27700	251	34	possibilities	possibility	NOUN
fbem-27700	251	35	for	for	ADP
fbem-27700	251	36	agricultural	agricultural	ADJ
fbem-27700	251	37	and	and	CCONJ
fbem-27700	251	38	rural	rural	ADJ
fbem-27700	251	39	finance	finance	NOUN
fbem-27700	251	40	.	.	PUNCT
fbem-27700	252	1	5	5	X
fbem-27700	252	2	.	.	X
fbem-27700	252	3	conclusion	conclusion	NOUN
fbem-27700	252	4	and	and	CCONJ
fbem-27700	252	5	recommendations	recommendation	NOUN
fbem-27700	252	6	this	this	DET
fbem-27700	252	7	study	study	NOUN
fbem-27700	252	8	,	,	PUNCT
fbem-27700	252	9	based	base	VERB
fbem-27700	252	10	on	on	ADP
fbem-27700	252	11	data	datum	NOUN
fbem-27700	252	12	from	from	ADP
fbem-27700	252	13	the	the	DET
fbem-27700	252	14	national	national	ADJ
fbem-27700	252	15	rural	rural	ADJ
fbem-27700	252	16	fixed	fix	VERB
fbem-27700	252	17	observation	observation	NOUN
fbem-27700	252	18	points	point	NOUN
fbem-27700	252	19	for	for	ADP
fbem-27700	252	20	the	the	DET
fbem-27700	252	21	period	period	NOUN
fbem-27700	252	22	2003–2022	2003–2022	NOUN
fbem-27700	252	23	,	,	PUNCT
fbem-27700	252	24	specifically	specifically	ADV
fbem-27700	252	25	focusing	focus	VERB
fbem-27700	252	26	on	on	ADP
fbem-27700	252	27	zhejiang	zhejiang	PROPN
fbem-27700	252	28	province	province	PROPN
fbem-27700	252	29	,	,	PUNCT
fbem-27700	252	30	explores	explore	VERB
fbem-27700	252	31	the	the	DET
fbem-27700	252	32	impact	impact	NOUN
fbem-27700	252	33	of	of	ADP
fbem-27700	252	34	financial	financial	ADJ
fbem-27700	252	35	institution	institution	NOUN
fbem-27700	252	36	competition	competition	NOUN
fbem-27700	252	37	on	on	ADP
fbem-27700	252	38	farmers	farmer	NOUN
fbem-27700	252	39	'	'	PART
fbem-27700	252	40	access	access	NOUN
fbem-27700	252	41	to	to	ADP
fbem-27700	252	42	credit	credit	NOUN
fbem-27700	252	43	,	,	PUNCT
fbem-27700	252	44	its	its	PRON
fbem-27700	252	45	transmission	transmission	NOUN
fbem-27700	252	46	mechanisms	mechanism	NOUN
fbem-27700	252	47	,	,	PUNCT
fbem-27700	252	48	and	and	CCONJ
fbem-27700	252	49	spatial	spatial	ADJ
fbem-27700	252	50	spillover	spillover	NOUN
fbem-27700	252	51	effects	effect	NOUN
fbem-27700	252	52	.	.	PUNCT
fbem-27700	253	1	the	the	DET
fbem-27700	253	2	key	key	ADJ
fbem-27700	253	3	conclusions	conclusion	NOUN
fbem-27700	253	4	of	of	ADP
fbem-27700	253	5	the	the	DET
fbem-27700	253	6	study	study	NOUN
fbem-27700	253	7	are	be	AUX
fbem-27700	253	8	as	as	SCONJ
fbem-27700	253	9	follows	follow	VERB
fbem-27700	253	10	:	:	PUNCT
fbem-27700	253	11	(	(	PUNCT
fbem-27700	253	12	1	1	X
fbem-27700	253	13	)	)	PUNCT
fbem-27700	253	14	impact	impact	NOUN
fbem-27700	253	15	of	of	ADP
fbem-27700	253	16	financial	financial	ADJ
fbem-27700	253	17	institution	institution	NOUN
fbem-27700	253	18	competition	competition	NOUN
fbem-27700	253	19	on	on	ADP
fbem-27700	253	20	farmers	farmer	NOUN
fbem-27700	253	21	'	'	PART
fbem-27700	253	22	access	access	NOUN
fbem-27700	253	23	to	to	ADP
fbem-27700	253	24	credit	credit	NOUN
fbem-27700	253	25	:	:	PUNCT
fbem-27700	253	26	financial	financial	ADJ
fbem-27700	253	27	institution	institution	NOUN
fbem-27700	253	28	competition	competition	NOUN
fbem-27700	253	29	significantly	significantly	ADV
fbem-27700	253	30	enhances	enhance	VERB
fbem-27700	253	31	farmers	farmer	NOUN
fbem-27700	253	32	'	'	PART
fbem-27700	253	33	access	access	NOUN
fbem-27700	253	34	to	to	ADP
fbem-27700	253	35	credit	credit	NOUN
fbem-27700	253	36	,	,	PUNCT
fbem-27700	253	37	especially	especially	ADV
fbem-27700	253	38	in	in	ADP
fbem-27700	253	39	rural	rural	ADJ
fbem-27700	253	40	areas	area	NOUN
fbem-27700	253	41	.	.	PUNCT
fbem-27700	254	1	(	(	PUNCT
fbem-27700	254	2	2	2	NUM
fbem-27700	254	3	)	)	PUNCT
fbem-27700	254	4	transmission	transmission	NOUN
fbem-27700	254	5	mechanism	mechanism	NOUN
fbem-27700	254	6	:	:	PUNCT
fbem-27700	254	7	the	the	DET
fbem-27700	254	8	study	study	NOUN
fbem-27700	254	9	finds	find	VERB
fbem-27700	254	10	that	that	SCONJ
fbem-27700	254	11	financial	financial	ADJ
fbem-27700	254	12	institution	institution	NOUN
fbem-27700	254	13	competition	competition	NOUN
fbem-27700	254	14	promotes	promote	VERB
fbem-27700	254	15	the	the	DET
fbem-27700	254	16	increase	increase	NOUN
fbem-27700	254	17	in	in	ADP
fbem-27700	254	18	the	the	DET
fbem-27700	254	19	number	number	NOUN
fbem-27700	254	20	of	of	ADP
fbem-27700	254	21	credit	credit	NOUN
fbem-27700	254	22	officers	officer	NOUN
fbem-27700	254	23	,	,	PUNCT
fbem-27700	254	24	which	which	PRON
fbem-27700	254	25	in	in	ADP
fbem-27700	254	26	turn	turn	NOUN
fbem-27700	254	27	improves	improve	VERB
fbem-27700	254	28	local	local	ADJ
fbem-27700	254	29	financial	financial	ADJ
fbem-27700	254	30	services	service	NOUN
fbem-27700	254	31	,	,	PUNCT
fbem-27700	254	32	enhances	enhance	VERB
fbem-27700	254	33	the	the	DET
fbem-27700	254	34	collection	collection	NOUN
fbem-27700	254	35	of	of	ADP
fbem-27700	254	36	soft	soft	ADJ
fbem-27700	254	37	information	information	NOUN
fbem-27700	254	38	from	from	ADP
fbem-27700	254	39	farmers	farmer	NOUN
fbem-27700	254	40	,	,	PUNCT
fbem-27700	254	41	addresses	address	NOUN
fbem-27700	254	42	information	information	NOUN
fbem-27700	254	43	asymmetry	asymmetry	NOUN
fbem-27700	254	44	,	,	PUNCT
fbem-27700	254	45	and	and	CCONJ
fbem-27700	254	46	reduces	reduce	VERB
fbem-27700	254	47	transaction	transaction	NOUN
fbem-27700	254	48	costs	cost	NOUN
fbem-27700	254	49	.	.	PUNCT
fbem-27700	255	1	these	these	DET
fbem-27700	255	2	factors	factor	NOUN
fbem-27700	255	3	collectively	collectively	ADV
fbem-27700	255	4	improve	improve	VERB
fbem-27700	255	5	farmers	farmer	NOUN
fbem-27700	255	6	'	'	PART
fbem-27700	255	7	access	access	NOUN
fbem-27700	255	8	to	to	ADP
fbem-27700	255	9	credit	credit	NOUN
fbem-27700	255	10	.	.	PUNCT
fbem-27700	256	1	furthermore	furthermore	ADV
fbem-27700	256	2	,	,	PUNCT
fbem-27700	256	3	the	the	DET
fbem-27700	256	4	competition	competition	NOUN
fbem-27700	256	5	reform	reform	NOUN
fbem-27700	256	6	has	have	AUX
fbem-27700	256	7	intensified	intensify	VERB
fbem-27700	256	8	the	the	DET
fbem-27700	256	9	promotion	promotion	NOUN
fbem-27700	256	10	of	of	ADP
fbem-27700	256	11	financial	financial	ADJ
fbem-27700	256	12	literacy	literacy	NOUN
fbem-27700	256	13	,	,	PUNCT
fbem-27700	256	14	thereby	thereby	ADV
fbem-27700	256	15	improving	improve	VERB
fbem-27700	256	16	farmers	farmer	NOUN
fbem-27700	256	17	'	'	PART
fbem-27700	256	18	financial	financial	ADJ
fbem-27700	256	19	knowledge	knowledge	NOUN
fbem-27700	256	20	and	and	CCONJ
fbem-27700	256	21	,	,	PUNCT
fbem-27700	256	22	in	in	ADP
fbem-27700	256	23	turn	turn	NOUN
fbem-27700	256	24	,	,	PUNCT
fbem-27700	256	25	their	their	PRON
fbem-27700	256	26	access	access	NOUN
fbem-27700	256	27	to	to	ADP
fbem-27700	256	28	credit	credit	NOUN
fbem-27700	256	29	.	.	PUNCT
fbem-27700	257	1	additionally	additionally	ADV
fbem-27700	257	2	,	,	PUNCT
fbem-27700	257	3	both	both	PRON
fbem-27700	257	4	agricultural	agricultural	ADJ
fbem-27700	257	5	industrialization	industrialization	NOUN
fbem-27700	257	6	and	and	CCONJ
fbem-27700	257	7	digitalization	digitalization	NOUN
fbem-27700	257	8	have	have	VERB
fbem-27700	257	9	indirect	indirect	ADJ
fbem-27700	257	10	effects	effect	NOUN
fbem-27700	257	11	on	on	ADP
fbem-27700	257	12	the	the	DET
fbem-27700	257	13	relationship	relationship	NOUN
fbem-27700	257	14	between	between	ADP
fbem-27700	257	15	financial	financial	ADJ
fbem-27700	257	16	institution	institution	NOUN
fbem-27700	257	17	competition	competition	NOUN
fbem-27700	257	18	and	and	CCONJ
fbem-27700	257	19	farmers	farmer	NOUN
fbem-27700	257	20	'	'	PART
fbem-27700	257	21	access	access	NOUN
fbem-27700	257	22	to	to	ADP
fbem-27700	257	23	credit	credit	NOUN
fbem-27700	257	24	.	.	PUNCT
fbem-27700	258	1	policy	policy	NOUN
fbem-27700	258	2	implications	implication	NOUN
fbem-27700	258	3	:	:	PUNCT
fbem-27700	258	4	this	this	DET
fbem-27700	258	5	study	study	NOUN
fbem-27700	258	6	offers	offer	VERB
fbem-27700	258	7	the	the	DET
fbem-27700	258	8	following	follow	VERB
fbem-27700	258	9	policy	policy	NOUN
fbem-27700	258	10	recommendations	recommendation	NOUN
fbem-27700	258	11	:	:	PUNCT
fbem-27700	258	12	(	(	PUNCT
fbem-27700	258	13	1	1	X
fbem-27700	258	14	)	)	PUNCT
fbem-27700	258	15	further	far	ADV
fbem-27700	258	16	deepening	deepen	VERB
fbem-27700	258	17	interest	interest	NOUN
fbem-27700	258	18	rate	rate	NOUN
fbem-27700	258	19	liberalization	liberalization	NOUN
fbem-27700	258	20	reform	reform	NOUN
fbem-27700	258	21	:	:	PUNCT
fbem-27700	258	22	the	the	DET
fbem-27700	258	23	results	result	NOUN
fbem-27700	258	24	of	of	ADP
fbem-27700	258	25	this	this	DET
fbem-27700	258	26	study	study	NOUN
fbem-27700	258	27	suggest	suggest	VERB
fbem-27700	258	28	that	that	SCONJ
fbem-27700	258	29	advancing	advance	VERB
fbem-27700	258	30	interest	interest	NOUN
fbem-27700	258	31	rate	rate	NOUN
fbem-27700	258	32	liberalization	liberalization	NOUN
fbem-27700	258	33	can	can	AUX
fbem-27700	258	34	help	help	VERB
fbem-27700	258	35	alleviate	alleviate	VERB
fbem-27700	258	36	the	the	DET
fbem-27700	258	37	credit	credit	NOUN
fbem-27700	258	38	constraints	constraint	NOUN
fbem-27700	258	39	faced	face	VERB
fbem-27700	258	40	by	by	ADP
fbem-27700	258	41	small	small	ADJ
fbem-27700	258	42	farmers	farmer	NOUN
fbem-27700	258	43	,	,	PUNCT
fbem-27700	258	44	solving	solve	VERB
fbem-27700	258	45	issues	issue	NOUN
fbem-27700	258	46	like	like	ADP
fbem-27700	258	47	financing	finance	VERB
fbem-27700	258	48	difficulties	difficulty	NOUN
fbem-27700	258	49	.	.	PUNCT
fbem-27700	259	1	small	small	ADJ
fbem-27700	259	2	farmers	farmer	NOUN
fbem-27700	259	3	,	,	PUNCT
fbem-27700	259	4	under	under	ADP
fbem-27700	259	5	traditional	traditional	ADJ
fbem-27700	259	6	farming	farming	NOUN
fbem-27700	259	7	models	model	NOUN
fbem-27700	259	8	,	,	PUNCT
fbem-27700	259	9	often	often	ADV
fbem-27700	259	10	struggle	struggle	VERB
fbem-27700	259	11	to	to	PART
fbem-27700	259	12	meet	meet	VERB
fbem-27700	259	13	the	the	DET
fbem-27700	259	14	loan	loan	NOUN
fbem-27700	259	15	requirements	requirement	NOUN
fbem-27700	259	16	of	of	ADP
fbem-27700	259	17	rural	rural	ADJ
fbem-27700	259	18	financial	financial	ADJ
fbem-27700	259	19	institutions	institution	NOUN
fbem-27700	259	20	.	.	PUNCT
fbem-27700	260	1	by	by	ADP
fbem-27700	260	2	advancing	advance	VERB
fbem-27700	260	3	interest	interest	NOUN
fbem-27700	260	4	rate	rate	NOUN
fbem-27700	260	5	liberalization	liberalization	NOUN
fbem-27700	260	6	,	,	PUNCT
fbem-27700	260	7	fostering	foster	VERB
fbem-27700	260	8	healthy	healthy	ADJ
fbem-27700	260	9	competition	competition	NOUN
fbem-27700	260	10	among	among	ADP
fbem-27700	260	11	financial	financial	ADJ
fbem-27700	260	12	institutions	institution	NOUN
fbem-27700	260	13	,	,	PUNCT
fbem-27700	260	14	and	and	CCONJ
fbem-27700	260	15	improving	improve	VERB
fbem-27700	260	16	access	access	NOUN
fbem-27700	260	17	to	to	ADP
fbem-27700	260	18	financial	financial	ADJ
fbem-27700	260	19	services	service	NOUN
fbem-27700	260	20	,	,	PUNCT
fbem-27700	260	21	we	we	PRON
fbem-27700	260	22	can	can	AUX
fbem-27700	260	23	better	well	ADV
fbem-27700	260	24	support	support	VERB
fbem-27700	260	25	local	local	ADJ
fbem-27700	260	26	development	development	NOUN
fbem-27700	260	27	.	.	PUNCT
fbem-27700	261	1	(	(	PUNCT
fbem-27700	261	2	2	2	X
fbem-27700	261	3	)	)	PUNCT
fbem-27700	261	4	promoting	promote	VERB
fbem-27700	261	5	the	the	DET
fbem-27700	261	6	construction	construction	NOUN
fbem-27700	261	7	of	of	ADP
fbem-27700	261	8	a	a	DET
fbem-27700	261	9	rural	rural	ADJ
fbem-27700	261	10	financial	financial	ADJ
fbem-27700	261	11	ecosystem	ecosystem	NOUN
fbem-27700	261	12	:	:	PUNCT
fbem-27700	261	13	small	small	ADJ
fbem-27700	261	14	and	and	CCONJ
fbem-27700	261	15	medium	medium	ADJ
fbem-27700	261	16	-	-	PUNCT
fbem-27700	261	17	sized	sized	ADJ
fbem-27700	261	18	commercial	commercial	ADJ
fbem-27700	261	19	banks	bank	NOUN
fbem-27700	261	20	should	should	AUX
fbem-27700	261	21	focus	focus	VERB
fbem-27700	261	22	strategically	strategically	ADV
fbem-27700	261	23	on	on	ADP
fbem-27700	261	24	building	build	VERB
fbem-27700	261	25	a	a	DET
fbem-27700	261	26	strong	strong	ADJ
fbem-27700	261	27	financial	financial	ADJ
fbem-27700	261	28	ecosystem	ecosystem	NOUN
fbem-27700	261	29	.	.	PUNCT
fbem-27700	262	1	they	they	PRON
fbem-27700	262	2	need	need	VERB
fbem-27700	262	3	to	to	PART
fbem-27700	262	4	develop	develop	VERB
fbem-27700	262	5	a	a	DET
fbem-27700	262	6	robust	robust	ADJ
fbem-27700	262	7	strategic	strategic	ADJ
fbem-27700	262	8	support	support	NOUN
fbem-27700	262	9	system	system	NOUN
fbem-27700	262	10	,	,	PUNCT
fbem-27700	262	11	coordinate	coordinate	VERB
fbem-27700	262	12	and	and	CCONJ
fbem-27700	262	13	manage	manage	VERB
fbem-27700	262	14	the	the	DET
fbem-27700	262	15	various	various	ADJ
fbem-27700	262	16	elements	element	NOUN
fbem-27700	262	17	of	of	ADP
fbem-27700	262	18	the	the	DET
fbem-27700	262	19	financial	financial	ADJ
fbem-27700	262	20	ecosystem	ecosystem	NOUN
fbem-27700	262	21	to	to	PART
fbem-27700	262	22	optimize	optimize	VERB
fbem-27700	262	23	the	the	DET
fbem-27700	262	24	financial	financial	ADJ
fbem-27700	262	25	environment	environment	NOUN
fbem-27700	262	26	.	.	PUNCT
fbem-27700	263	1	these	these	DET
fbem-27700	263	2	banks	bank	NOUN
fbem-27700	263	3	should	should	AUX
fbem-27700	263	4	carefully	carefully	ADV
fbem-27700	263	5	select	select	VERB
fbem-27700	263	6	suitable	suitable	ADJ
fbem-27700	263	7	operational	operational	ADJ
fbem-27700	263	8	models	model	NOUN
fbem-27700	263	9	and	and	CCONJ
fbem-27700	263	10	industry	industry	NOUN
fbem-27700	263	11	opportunities	opportunity	NOUN
fbem-27700	263	12	,	,	PUNCT
fbem-27700	263	13	establish	establish	VERB
fbem-27700	263	14	efficient	efficient	ADJ
fbem-27700	263	15	organizational	organizational	ADJ
fbem-27700	263	16	structures	structure	NOUN
fbem-27700	263	17	and	and	CCONJ
fbem-27700	263	18	management	management	NOUN
fbem-27700	263	19	teams	team	NOUN
fbem-27700	263	20	,	,	PUNCT
fbem-27700	263	21	and	and	CCONJ
fbem-27700	263	22	create	create	VERB
fbem-27700	263	23	incentive	incentive	NOUN
fbem-27700	263	24	and	and	CCONJ
fbem-27700	263	25	constraint	constraint	NOUN
fbem-27700	263	26	mechanisms	mechanism	NOUN
fbem-27700	263	27	.	.	PUNCT
fbem-27700	264	1	moreover	moreover	ADV
fbem-27700	264	2	,	,	PUNCT
fbem-27700	264	3	improvements	improvement	NOUN
fbem-27700	264	4	in	in	ADP
fbem-27700	264	5	retail	retail	ADJ
fbem-27700	264	6	customer	customer	NOUN
fbem-27700	264	7	resources	resource	NOUN
fbem-27700	264	8	and	and	CCONJ
fbem-27700	264	9	offline	offline	ADJ
fbem-27700	264	10	branch	branch	NOUN
fbem-27700	264	11	operations	operation	NOUN
fbem-27700	264	12	should	should	AUX
fbem-27700	264	13	be	be	AUX
fbem-27700	264	14	considered	consider	VERB
fbem-27700	264	15	,	,	PUNCT
fbem-27700	264	16	seeking	seek	VERB
fbem-27700	264	17	unique	unique	ADJ
fbem-27700	264	18	resources	resource	NOUN
fbem-27700	264	19	to	to	PART
fbem-27700	264	20	improve	improve	VERB
fbem-27700	264	21	their	their	PRON
fbem-27700	264	22	platforms	platform	NOUN
fbem-27700	264	23	.	.	PUNCT
fbem-27700	265	1	(	(	PUNCT
fbem-27700	265	2	3	3	X
fbem-27700	265	3	)	)	PUNCT
fbem-27700	265	4	transforming	transform	VERB
fbem-27700	265	5	the	the	DET
fbem-27700	265	6	"	"	PUNCT
fbem-27700	265	7	siphon	siphon	ADJ
fbem-27700	265	8	effect	effect	NOUN
fbem-27700	265	9	"	"	PUNCT
fbem-27700	265	10	into	into	ADP
fbem-27700	265	11	the	the	DET
fbem-27700	265	12	"	"	PUNCT
fbem-27700	265	13	spillover	spillover	ADJ
fbem-27700	265	14	effect	effect	NOUN
fbem-27700	265	15	"	"	PUNCT
fbem-27700	265	16	:	:	PUNCT
fbem-27700	265	17	regions	region	NOUN
fbem-27700	265	18	with	with	ADP
fbem-27700	265	19	abundant	abundant	ADJ
fbem-27700	265	20	financial	financial	ADJ
fbem-27700	265	21	resources	resource	NOUN
fbem-27700	265	22	should	should	AUX
fbem-27700	265	23	help	help	VERB
fbem-27700	265	24	promote	promote	VERB
fbem-27700	265	25	the	the	DET
fbem-27700	265	26	economic	economic	ADJ
fbem-27700	265	27	development	development	NOUN
fbem-27700	265	28	of	of	ADP
fbem-27700	265	29	surrounding	surround	VERB
fbem-27700	265	30	areas	area	NOUN
fbem-27700	265	31	.	.	PUNCT
fbem-27700	266	1	when	when	SCONJ
fbem-27700	266	2	formulating	formulate	VERB
fbem-27700	266	3	regional	regional	ADJ
fbem-27700	266	4	development	development	NOUN
fbem-27700	266	5	strategies	strategy	NOUN
fbem-27700	266	6	,	,	PUNCT
fbem-27700	266	7	it	it	PRON
fbem-27700	266	8	is	be	AUX
fbem-27700	266	9	crucial	crucial	ADJ
fbem-27700	266	10	to	to	PART
fbem-27700	266	11	consider	consider	VERB
fbem-27700	266	12	the	the	DET
fbem-27700	266	13	distribution	distribution	NOUN
fbem-27700	266	14	of	of	ADP
fbem-27700	266	15	interests	interest	NOUN
fbem-27700	266	16	among	among	ADP
fbem-27700	266	17	different	different	ADJ
fbem-27700	266	18	regions	region	NOUN
fbem-27700	266	19	,	,	PUNCT
fbem-27700	266	20	strengthen	strengthen	VERB
fbem-27700	266	21	transportation	transportation	NOUN
fbem-27700	266	22	and	and	CCONJ
fbem-27700	266	23	information	information	NOUN
fbem-27700	266	24	networks	network	NOUN
fbem-27700	266	25	,	,	PUNCT
fbem-27700	266	26	and	and	CCONJ
fbem-27700	266	27	build	build	VERB
fbem-27700	266	28	a	a	DET
fbem-27700	266	29	shared	share	VERB
fbem-27700	266	30	bridge	bridge	NOUN
fbem-27700	266	31	for	for	ADP
fbem-27700	266	32	technological	technological	ADJ
fbem-27700	266	33	innovation	innovation	NOUN
fbem-27700	266	34	.	.	PUNCT
fbem-27700	267	1	this	this	PRON
fbem-27700	267	2	will	will	AUX
fbem-27700	267	3	foster	foster	VERB
fbem-27700	267	4	the	the	DET
fbem-27700	267	5	flow	flow	NOUN
fbem-27700	267	6	of	of	ADP
fbem-27700	267	7	knowledge	knowledge	NOUN
fbem-27700	267	8	and	and	CCONJ
fbem-27700	267	9	technology	technology	NOUN
fbem-27700	267	10	across	across	ADP
fbem-27700	267	11	different	different	ADJ
fbem-27700	267	12	administrative	administrative	ADJ
fbem-27700	267	13	regions	region	NOUN
fbem-27700	267	14	and	and	CCONJ
fbem-27700	267	15	enhance	enhance	VERB
fbem-27700	267	16	cooperation	cooperation	NOUN
fbem-27700	267	17	between	between	ADP
fbem-27700	267	18	regional	regional	ADJ
fbem-27700	267	19	financial	financial	ADJ
fbem-27700	267	20	institutions	institution	NOUN
fbem-27700	267	21	.	.	PUNCT
fbem-27700	268	1	furthermore	furthermore	ADV
fbem-27700	268	2	,	,	PUNCT
fbem-27700	268	3	it	it	PRON
fbem-27700	268	4	will	will	AUX
fbem-27700	268	5	maximize	maximize	VERB
fbem-27700	268	6	the	the	DET
fbem-27700	268	7	spatial	spatial	ADJ
fbem-27700	268	8	spillover	spillover	NOUN
fbem-27700	268	9	effects	effect	NOUN
fbem-27700	268	10	of	of	ADP
fbem-27700	268	11	policies	policy	NOUN
fbem-27700	268	12	that	that	PRON
fbem-27700	268	13	improve	improve	VERB
fbem-27700	268	14	regional	regional	ADJ
fbem-27700	268	15	innovation	innovation	NOUN
fbem-27700	268	16	capabilities	capability	NOUN
fbem-27700	268	17	.	.	PUNCT
fbem-27700	269	1	this	this	DET
fbem-27700	269	2	approach	approach	NOUN
fbem-27700	269	3	can	can	AUX
fbem-27700	269	4	also	also	ADV
fbem-27700	269	5	provide	provide	VERB
fbem-27700	269	6	a	a	DET
fbem-27700	269	7	potential	potential	ADJ
fbem-27700	269	8	solution	solution	NOUN
fbem-27700	269	9	to	to	ADP
fbem-27700	269	10	the	the	DET
fbem-27700	269	11	issue	issue	NOUN
fbem-27700	269	12	of	of	ADP
fbem-27700	269	13	regional	regional	ADJ
fbem-27700	269	14	development	development	NOUN
fbem-27700	269	15	imbalance	imbalance	NOUN
fbem-27700	269	16	,	,	PUNCT
fbem-27700	269	17	which	which	PRON
fbem-27700	269	18	directly	directly	ADV
fbem-27700	269	19	impacts	impact	VERB
fbem-27700	269	20	the	the	DET
fbem-27700	269	21	implementation	implementation	NOUN
fbem-27700	269	22	of	of	ADP
fbem-27700	269	23	the	the	DET
fbem-27700	269	24	national	national	ADJ
fbem-27700	269	25	strategy	strategy	NOUN
fbem-27700	269	26	for	for	ADP
fbem-27700	269	27	common	common	ADJ
fbem-27700	269	28	prosperity	prosperity	NOUN
fbem-27700	269	29	.	.	PUNCT
fbem-27700	270	1	by	by	ADP
fbem-27700	270	2	implementing	implement	VERB
fbem-27700	270	3	these	these	DET
fbem-27700	270	4	policies	policy	NOUN
fbem-27700	270	5	,	,	PUNCT
fbem-27700	270	6	we	we	PRON
fbem-27700	270	7	can	can	AUX
fbem-27700	270	8	foster	foster	VERB
fbem-27700	270	9	a	a	DET
fbem-27700	270	10	more	more	ADV
fbem-27700	270	11	equitable	equitable	ADJ
fbem-27700	270	12	and	and	CCONJ
fbem-27700	270	13	efficient	efficient	ADJ
fbem-27700	270	14	financial	financial	ADJ
fbem-27700	270	15	ecosystem	ecosystem	NOUN
fbem-27700	270	16	that	that	PRON
fbem-27700	270	17	supports	support	VERB
fbem-27700	270	18	the	the	DET
fbem-27700	270	19	development	development	NOUN
fbem-27700	270	20	of	of	ADP
fbem-27700	270	21	rural	rural	ADJ
fbem-27700	270	22	areas	area	NOUN
fbem-27700	270	23	and	and	CCONJ
fbem-27700	270	24	addresses	address	VERB
fbem-27700	270	25	the	the	DET
fbem-27700	270	26	challenges	challenge	NOUN
fbem-27700	270	27	of	of	ADP
fbem-27700	270	28	regional	regional	ADJ
fbem-27700	270	29	disparities	disparity	NOUN
fbem-27700	270	30	,	,	PUNCT
fbem-27700	270	31	ultimately	ultimately	ADV
fbem-27700	270	32	contributing	contribute	VERB
fbem-27700	270	33	to	to	ADP
fbem-27700	270	34	the	the	DET
fbem-27700	270	35	broader	broad	ADJ
fbem-27700	270	36	goals	goal	NOUN
fbem-27700	270	37	of	of	ADP
fbem-27700	270	38	national	national	ADJ
fbem-27700	270	39	economic	economic	ADJ
fbem-27700	270	40	and	and	CCONJ
fbem-27700	270	41	social	social	ADJ
fbem-27700	270	42	progress	progress	NOUN
fbem-27700	270	43	.	.	PUNCT
fbem-27700	271	1	references	reference	NOUN
fbem-27700	271	2	[	[	X
fbem-27700	271	3	1	1	NUM
fbem-27700	271	4	]	]	X
fbem-27700	271	5	xuan	xuan	PROPN
fbem-27700	271	6	,	,	PUNCT
fbem-27700	271	7	y.	y.	PROPN
fbem-27700	271	8	,	,	PUNCT
fbem-27700	271	9	jin	jin	PROPN
fbem-27700	271	10	,	,	PUNCT
fbem-27700	271	11	q.	q.	PROPN
fbem-27700	271	12	,	,	PUNCT
fbem-27700	271	13	&	&	CCONJ
fbem-27700	271	14	li	li	PROPN
fbem-27700	271	15	,	,	PUNCT
fbem-27700	271	16	x.	x.	NOUN
fbem-27700	271	17	(	(	PUNCT
fbem-27700	271	18	2022	2022	NUM
fbem-27700	271	19	)	)	PUNCT
fbem-27700	271	20	.	.	PUNCT
fbem-27700	272	1	interest	interest	NOUN
fbem-27700	272	2	rate	rate	NOUN
fbem-27700	272	3	marketization	marketization	NOUN
fbem-27700	272	4	,	,	PUNCT
fbem-27700	272	5	credit	credit	NOUN
fbem-27700	272	6	resource	resource	NOUN
fbem-27700	272	7	allocation	allocation	NOUN
fbem-27700	272	8	,	,	PUNCT
fbem-27700	272	9	and	and	CCONJ
fbem-27700	272	10	the	the	DET
fbem-27700	272	11	growth	growth	NOUN
fbem-27700	272	12	option	option	NOUN
fbem-27700	272	13	value	value	NOUN
fbem-27700	272	14	of	of	ADP
fbem-27700	272	15	private	private	ADJ
fbem-27700	272	16	enterprises	enterprise	NOUN
fbem-27700	272	17	:	:	PUNCT
fbem-27700	272	18	empirical	empirical	ADJ
fbem-27700	272	19	evidence	evidence	NOUN
fbem-27700	272	20	based	base	VERB
fbem-27700	272	21	on	on	ADP
fbem-27700	272	22	the	the	DET
fbem-27700	272	23	relaxation	relaxation	NOUN
fbem-27700	272	24	of	of	ADP
fbem-27700	272	25	loan	loan	NOUN
fbem-27700	272	26	interest	interest	NOUN
fbem-27700	272	27	rate	rate	NOUN
fbem-27700	272	28	upper	upper	ADJ
fbem-27700	272	29	and	and	CCONJ
fbem-27700	272	30	lower	low	ADJ
fbem-27700	272	31	limits	limit	NOUN
fbem-27700	272	32	.	.	PUNCT
fbem-27700	273	1	*	*	PUNCT
fbem-27700	273	2	financial	financial	ADJ
fbem-27700	273	3	research	research	NOUN
fbem-27700	273	4	*	*	SYM
fbem-27700	273	5	,	,	PUNCT
fbem-27700	273	6	2022(5	2022(5	NUM
fbem-27700	273	7	)	)	PUNCT
fbem-27700	273	8	,	,	PUNCT
fbem-27700	273	9	19	19	NUM
fbem-27700	273	10	.	.	PUNCT
fbem-27700	274	1	[	[	X
fbem-27700	274	2	2	2	NUM
fbem-27700	274	3	]	]	X
fbem-27700	274	4	liang	liang	PROPN
fbem-27700	274	5	,	,	PUNCT
fbem-27700	274	6	s.	s.	PROPN
fbem-27700	274	7	(	(	PUNCT
fbem-27700	274	8	2022	2022	NUM
fbem-27700	274	9	)	)	PUNCT
fbem-27700	274	10	.	.	PUNCT
fbem-27700	275	1	thirty	thirty	NUM
fbem-27700	275	2	years	year	NOUN
fbem-27700	275	3	of	of	ADP
fbem-27700	275	4	interest	interest	NOUN
fbem-27700	275	5	rate	rate	NOUN
fbem-27700	275	6	marketization	marketization	NOUN
fbem-27700	275	7	in	in	ADP
fbem-27700	275	8	china	china	PROPN
fbem-27700	275	9	:	:	PUNCT
fbem-27700	275	10	review	review	NOUN
fbem-27700	275	11	,	,	PUNCT
fbem-27700	275	12	issues	issue	NOUN
fbem-27700	275	13	,	,	PUNCT
fbem-27700	275	14	and	and	CCONJ
fbem-27700	275	15	reform	reform	NOUN
fbem-27700	275	16	directions	direction	NOUN
fbem-27700	275	17	.	.	PUNCT
fbem-27700	276	1	*	*	PUNCT
fbem-27700	276	2	new	new	ADJ
fbem-27700	276	3	finance	finance	NOUN
fbem-27700	276	4	*	*	PUNCT
fbem-27700	276	5	,	,	PUNCT
fbem-27700	276	6	2022(03	2022(03	PROPN
fbem-27700	276	7	)	)	PUNCT
fbem-27700	276	8	,	,	PUNCT
fbem-27700	276	9	17	17	NUM
fbem-27700	276	10	-	-	SYM
fbem-27700	276	11	23	23	NUM
fbem-27700	276	12	.	.	PUNCT
fbem-27700	277	1	[	[	X
fbem-27700	277	2	3	3	NUM
fbem-27700	277	3	]	]	X
fbem-27700	277	4	liu	liu	PROPN
fbem-27700	277	5	,	,	PUNCT
fbem-27700	277	6	x.	x.	PROPN
fbem-27700	277	7	,	,	PUNCT
fbem-27700	277	8	chen	chen	PROPN
fbem-27700	277	9	,	,	PUNCT
fbem-27700	277	10	l.	l.	PROPN
fbem-27700	277	11	,	,	PUNCT
fbem-27700	277	12	&	&	CCONJ
fbem-27700	277	13	yang	yang	PROPN
fbem-27700	277	14	,	,	PUNCT
fbem-27700	277	15	q.	q.	PROPN
fbem-27700	277	16	(	(	PUNCT
fbem-27700	277	17	2014	2014	NUM
fbem-27700	277	18	)	)	PUNCT
fbem-27700	277	19	.	.	PUNCT
fbem-27700	278	1	farmers	farmer	NOUN
fbem-27700	278	2	’	'	PUNCT
fbem-27700	278	3	demand	demand	NOUN
fbem-27700	278	4	for	for	ADP
fbem-27700	278	5	formal	formal	ADJ
fbem-27700	278	6	credit	credit	NOUN
fbem-27700	278	7	and	and	CCONJ
fbem-27700	278	8	interest	interest	NOUN
fbem-27700	278	9	rates	rate	NOUN
fbem-27700	278	10	:	:	PUNCT
fbem-27700	278	11	empirical	empirical	ADJ
fbem-27700	278	12	examination	examination	NOUN
fbem-27700	278	13	based	base	VERB
fbem-27700	278	14	on	on	ADP
fbem-27700	278	15	the	the	DET
fbem-27700	278	16	tobit	tobit	PROPN
fbem-27700	278	17	iii	iii	NUM
fbem-27700	278	18	model	model	NOUN
fbem-27700	278	19	.	.	PUNCT
fbem-27700	279	1	*	*	PUNCT
fbem-27700	279	2	management	management	NOUN
fbem-27700	279	3	world	world	NOUN
fbem-27700	279	4	*	*	SYM
fbem-27700	279	5	,	,	PUNCT
fbem-27700	279	6	2014(03	2014(03	NUM
fbem-27700	279	7	)	)	PUNCT
fbem-27700	279	8	,	,	PUNCT
fbem-27700	279	9	75	75	NUM
fbem-27700	279	10	-	-	SYM
fbem-27700	279	11	91	91	NUM
fbem-27700	279	12	.	.	PUNCT
fbem-27700	280	1	doi:10.19744	doi:10.19744	NOUN
fbem-27700	280	2	/	/	SYM
fbem-27700	280	3	j.cnki.11	j.cnki.11	NOUN
fbem-27700	280	4	-	-	PUNCT
fbem-27700	280	5	1235	1235	NUM
fbem-27700	280	6	/	/	SYM
fbem-27700	280	7	f.2014.03.008	f.2014.03.008	NOUN
fbem-27700	280	8	.	.	PUNCT
fbem-27700	281	1	[	[	X
fbem-27700	281	2	4	4	NUM
fbem-27700	281	3	]	]	X
fbem-27700	281	4	huang	huang	PROPN
fbem-27700	281	5	,	,	PUNCT
fbem-27700	281	6	y.	y.	PROPN
fbem-27700	281	7	,	,	PUNCT
fbem-27700	281	8	wang	wang	PROPN
fbem-27700	281	9	,	,	PUNCT
fbem-27700	281	10	m.	m.	NOUN
fbem-27700	281	11	,	,	PUNCT
fbem-27700	281	12	fu	fu	PROPN
fbem-27700	281	13	,	,	PUNCT
fbem-27700	281	14	q.	q.	PROPN
fbem-27700	281	15	,	,	PUNCT
fbem-27700	281	16	et	et	PROPN
fbem-27700	281	17	al	al	PROPN
fbem-27700	281	18	.	.	PUNCT
fbem-27700	281	19	(	(	PUNCT
fbem-27700	281	20	2018	2018	NUM
fbem-27700	281	21	)	)	PUNCT
fbem-27700	281	22	.	.	PUNCT
fbem-27700	282	1	reconstructing	reconstruct	VERB
fbem-27700	282	2	rural	rural	ADJ
fbem-27700	282	3	finance	finance	NOUN
fbem-27700	282	4	in	in	ADP
fbem-27700	282	5	china	china	PROPN
fbem-27700	282	6	through	through	ADP
fbem-27700	282	7	marketization	marketization	NOUN
fbem-27700	282	8	,	,	PUNCT
fbem-27700	282	9	industrialization	industrialization	NOUN
fbem-27700	282	10	,	,	PUNCT
fbem-27700	282	11	and	and	CCONJ
fbem-27700	282	12	digitalization	digitalization	NOUN
fbem-27700	282	13	strategies	strategy	NOUN
fbem-27700	282	14	.	.	PUNCT
fbem-27700	283	1	*	*	PUNCT
fbem-27700	283	2	international	international	ADJ
fbem-27700	283	3	economic	economic	ADJ
fbem-27700	283	4	review	review	NOUN
fbem-27700	283	5	*	*	SYM
fbem-27700	283	6	,	,	PUNCT
fbem-27700	283	7	2018(3	2018(3	NUM
fbem-27700	283	8	)	)	PUNCT
fbem-27700	283	9	,	,	PUNCT
fbem-27700	283	10	20	20	NUM
fbem-27700	283	11	.	.	PUNCT
fbem-27700	284	1	doi	doi	NOUN
fbem-27700	284	2	:	:	PUNCT
fbem-27700	284	3	cnki	cnki	ADJ
fbem-27700	284	4	:	:	PUNCT
fbem-27700	284	5	sun	sun	NOUN
fbem-27700	284	6	:	:	PUNCT
fbem-27700	284	7	gjpp.0.2018	gjpp.0.2018	NOUN
fbem-27700	284	8	-	-	PUNCT
fbem-27700	284	9	03	03	NUM
fbem-27700	284	10	-	-	PUNCT
fbem-27700	284	11	006	006	NUM
fbem-27700	284	12	.	.	PUNCT
fbem-27700	285	1	[	[	X
fbem-27700	285	2	5	5	NUM
fbem-27700	285	3	]	]	X
fbem-27700	285	4	pan	pan	NOUN
fbem-27700	285	5	,	,	PUNCT
fbem-27700	285	6	y.	y.	PROPN
fbem-27700	285	7	,	,	PUNCT
fbem-27700	285	8	&	&	CCONJ
fbem-27700	285	9	tu	tu	PROPN
fbem-27700	285	10	,	,	PUNCT
fbem-27700	285	11	w.	w.	PROPN
fbem-27700	285	12	(	(	PUNCT
fbem-27700	285	13	2019	2019	NUM
fbem-27700	285	14	)	)	PUNCT
fbem-27700	285	15	.	.	PUNCT
fbem-27700	286	1	economic	economic	ADJ
fbem-27700	286	2	logic	logic	NOUN
fbem-27700	286	3	and	and	CCONJ
fbem-27700	286	4	policy	policy	NOUN
fbem-27700	286	5	paths	path	NOUN
fbem-27700	286	6	for	for	ADP
fbem-27700	286	7	solving	solve	VERB
fbem-27700	286	8	the	the	DET
fbem-27700	286	9	unbalanced	unbalanced	ADJ
fbem-27700	286	10	and	and	CCONJ
fbem-27700	286	11	insufficient	insufficient	ADJ
fbem-27700	286	12	development	development	NOUN
fbem-27700	286	13	of	of	ADP
fbem-27700	286	14	rural	rural	ADJ
fbem-27700	286	15	finance	finance	NOUN
fbem-27700	286	16	.	.	PUNCT
fbem-27700	287	1	*	*	PUNCT
fbem-27700	287	2	financial	financial	ADJ
fbem-27700	287	3	science	science	NOUN
fbem-27700	287	4	*	*	PUNCT
fbem-27700	287	5	,	,	PUNCT
fbem-27700	287	6	2019(03	2019(03	NUM
fbem-27700	287	7	)	)	PUNCT
fbem-27700	287	8	,	,	PUNCT
fbem-27700	287	9	28	28	NUM
fbem-27700	287	10	-	-	SYM
fbem-27700	287	11	38	38	NUM
fbem-27700	287	12	.	.	PUNCT
fbem-27700	288	1	[	[	X
fbem-27700	288	2	6	6	NUM
fbem-27700	288	3	]	]	X
fbem-27700	288	4	wen	wen	PROPN
fbem-27700	288	5	,	,	PUNCT
fbem-27700	288	6	t.	t.	PROPN
fbem-27700	288	7	,	,	PUNCT
fbem-27700	288	8	&	&	CCONJ
fbem-27700	288	9	he	he	PRON
fbem-27700	288	10	,	,	PUNCT
fbem-27700	288	11	q.	q.	PROPN
fbem-27700	288	12	(	(	PUNCT
fbem-27700	288	13	2023	2023	NUM
fbem-27700	288	14	)	)	PUNCT
fbem-27700	288	15	.	.	PUNCT
fbem-27700	289	1	fully	fully	ADV
fbem-27700	289	2	advancing	advance	VERB
fbem-27700	289	3	rural	rural	ADJ
fbem-27700	289	4	revitalization	revitalization	NOUN
fbem-27700	289	5	and	and	CCONJ
fbem-27700	289	6	deepening	deepen	VERB
fbem-27700	289	7	rural	rural	ADJ
fbem-27700	289	8	financial	financial	ADJ
fbem-27700	289	9	reform	reform	NOUN
fbem-27700	289	10	and	and	CCONJ
fbem-27700	289	11	innovation	innovation	NOUN
fbem-27700	289	12	:	:	PUNCT
fbem-27700	289	13	logical	logical	ADJ
fbem-27700	289	14	transformation	transformation	NOUN
fbem-27700	289	15	,	,	PUNCT
fbem-27700	289	16	breakthrough	breakthrough	NOUN
fbem-27700	289	17	of	of	ADP
fbem-27700	289	18	difficulties	difficulty	NOUN
fbem-27700	289	19	,	,	PUNCT
fbem-27700	289	20	and	and	CCONJ
fbem-27700	289	21	path	path	NOUN
fbem-27700	289	22	selection	selection	NOUN
fbem-27700	289	23	.	.	PUNCT
fbem-27700	290	1	*	*	PUNCT
fbem-27700	290	2	china	china	PROPN
fbem-27700	290	3	rural	rural	ADJ
fbem-27700	290	4	economy	economy	NOUN
fbem-27700	290	5	*	*	SYM
fbem-27700	290	6	,	,	PUNCT
fbem-27700	290	7	2023(01	2023(01	NUM
fbem-27700	290	8	)	)	PUNCT
fbem-27700	290	9	,	,	PUNCT
fbem-27700	290	10	93	93	NUM
fbem-27700	290	11	-	-	SYM
fbem-27700	290	12	114	114	NUM
fbem-27700	290	13	.	.	PUNCT
fbem-27700	291	1	doi:10.20077	doi:10.20077	PROPN
fbem-27700	291	2	/	/	SYM
fbem-27700	291	3	j.cnki.111262	j.cnki.111262	PROPN
fbem-27700	291	4	/	/	SYM
fbem-27700	291	5	f.2023.01.006	f.2023.01.006	NOUN
fbem-27700	291	6	.	.	PUNCT
fbem-27700	292	1	[	[	X
fbem-27700	292	2	7	7	NUM
fbem-27700	292	3	]	]	X
fbem-27700	292	4	chen	chen	PROPN
fbem-27700	292	5	,	,	PUNCT
fbem-27700	292	6	x.	x.	PROPN
fbem-27700	292	7	,	,	PUNCT
fbem-27700	292	8	&	&	CCONJ
fbem-27700	292	9	mi	mi	PROPN
fbem-27700	292	10	,	,	PUNCT
fbem-27700	292	11	y.	y.	PROPN
fbem-27700	292	12	(	(	PUNCT
fbem-27700	292	13	2024	2024	NUM
fbem-27700	292	14	)	)	PUNCT
fbem-27700	292	15	.	.	PUNCT
fbem-27700	293	1	a	a	DET
fbem-27700	293	2	new	new	ADJ
fbem-27700	293	3	paradigm	paradigm	NOUN
fbem-27700	293	4	of	of	ADP
fbem-27700	293	5	rural	rural	ADJ
fbem-27700	293	6	finance	finance	NOUN
fbem-27700	293	7	theory	theory	NOUN
fbem-27700	293	8	:	:	PUNCT
fbem-27700	293	9	basic	basic	ADJ
fbem-27700	293	10	principles	principle	NOUN
fbem-27700	293	11	,	,	PUNCT
fbem-27700	293	12	practical	practical	ADJ
fbem-27700	293	13	models	model	NOUN
fbem-27700	293	14	,	,	PUNCT
fbem-27700	293	15	and	and	CCONJ
fbem-27700	293	16	policy	policy	NOUN
fbem-27700	293	17	implications	implication	NOUN
fbem-27700	293	18	.	.	PUNCT
fbem-27700	294	1	*	*	PUNCT
fbem-27700	294	2	economist	economist	NOUN
fbem-27700	294	3	*	*	NOUN
fbem-27700	294	4	,	,	PUNCT
fbem-27700	294	5	2024(09	2024(09	NUM
fbem-27700	294	6	)	)	PUNCT
fbem-27700	294	7	,	,	PUNCT
fbem-27700	294	8	119	119	NUM
fbem-27700	294	9	-	-	SYM
fbem-27700	294	10	128	128	NUM
fbem-27700	294	11	.	.	PUNCT
fbem-27700	295	1	doi:10.16158	doi:10.16158	PROPN
fbem-27700	295	2	/	/	SYM
fbem-27700	295	3	j.cnki.51	j.cnki.51	NOUN
fbem-27700	295	4	-	-	PUNCT
fbem-27700	295	5	1312	1312	NUM
fbem-27700	295	6	/	/	SYM
fbem-27700	295	7	f.2024.09.001	f.2024.09.001	NOUN
fbem-27700	295	8	.	.	PUNCT
fbem-27700	296	1	[	[	X
fbem-27700	296	2	8	8	NUM
fbem-27700	296	3	]	]	SYM
fbem-27700	296	4	wu	wu	PROPN
fbem-27700	296	5	,	,	PUNCT
fbem-27700	296	6	b.	b.	PROPN
fbem-27700	296	7	,	,	PUNCT
fbem-27700	296	8	luo	luo	PROPN
fbem-27700	296	9	,	,	PUNCT
fbem-27700	296	10	l.	l.	PROPN
fbem-27700	296	11	,	,	PUNCT
fbem-27700	296	12	&	&	CCONJ
fbem-27700	296	13	wang	wang	PROPN
fbem-27700	296	14	,	,	PUNCT
fbem-27700	296	15	l.	l.	PROPN
fbem-27700	296	16	(	(	PUNCT
fbem-27700	296	17	2022	2022	NUM
fbem-27700	296	18	)	)	PUNCT
fbem-27700	296	19	.	.	PUNCT
fbem-27700	297	1	dynamic	dynamic	ADJ
fbem-27700	297	2	impact	impact	NOUN
fbem-27700	297	3	of	of	ADP
fbem-27700	297	4	agricultural	agricultural	ADJ
fbem-27700	297	5	credit	credit	NOUN
fbem-27700	297	6	cooperative	cooperative	ADJ
fbem-27700	297	7	commercialization	commercialization	NOUN
fbem-27700	297	8	reform	reform	NOUN
fbem-27700	297	9	on	on	ADP
fbem-27700	297	10	urban	urban	ADJ
fbem-27700	297	11	-	-	PUNCT
fbem-27700	297	12	rural	rural	ADJ
fbem-27700	297	13	income	income	NOUN
fbem-27700	297	14	disparity	disparity	NOUN
fbem-27700	297	15	in	in	ADP
fbem-27700	297	16	counties	county	NOUN
fbem-27700	297	17	:	:	PUNCT
fbem-27700	297	18	an	an	DET
fbem-27700	297	19	analysis	analysis	NOUN
fbem-27700	297	20	based	base	VERB
fbem-27700	297	21	on	on	ADP
fbem-27700	297	22	the	the	DET
fbem-27700	297	23	natural	natural	ADJ
fbem-27700	297	24	experiment	experiment	NOUN
fbem-27700	297	25	of	of	ADP
fbem-27700	297	26	agricultural	agricultural	ADJ
fbem-27700	297	27	credit	credit	NOUN
fbem-27700	297	28	cooperative	cooperative	ADJ
fbem-27700	297	29	reform	reform	NOUN
fbem-27700	297	30	into	into	ADP
fbem-27700	297	31	rural	rural	ADJ
fbem-27700	297	32	commercial	commercial	ADJ
fbem-27700	297	33	banks	bank	NOUN
fbem-27700	297	34	.	.	PUNCT
fbem-27700	298	1	*	*	PUNCT
fbem-27700	298	2	china	china	PROPN
fbem-27700	298	3	rural	rural	ADJ
fbem-27700	298	4	economy	economy	NOUN
fbem-27700	298	5	*	*	SYM
fbem-27700	298	6	,	,	PUNCT
fbem-27700	298	7	2022(04	2022(04	NUM
fbem-27700	298	8	)	)	PUNCT
fbem-27700	298	9	,	,	PUNCT
fbem-27700	298	10	83	83	NUM
fbem-27700	298	11	-	-	SYM
fbem-27700	298	12	105	105	NUM
fbem-27700	298	13	.	.	PUNCT
fbem-27700	299	1	[	[	X
fbem-27700	299	2	9	9	NUM
fbem-27700	299	3	]	]	X
fbem-27700	299	4	peng	peng	PROPN
fbem-27700	299	5	,	,	PUNCT
fbem-27700	299	6	p.	p.	PROPN
fbem-27700	299	7	,	,	PUNCT
fbem-27700	299	8	&	&	CCONJ
fbem-27700	299	9	zhou	zhou	PROPN
fbem-27700	299	10	,	,	PUNCT
fbem-27700	299	11	y.	y.	PROPN
fbem-27700	299	12	(	(	PUNCT
fbem-27700	299	13	2022	2022	NUM
fbem-27700	299	14	)	)	PUNCT
fbem-27700	299	15	.	.	PUNCT
fbem-27700	300	1	policy	policy	NOUN
fbem-27700	300	2	trajectory	trajectory	NOUN
fbem-27700	300	3	,	,	PUNCT
fbem-27700	300	4	theoretical	theoretical	ADJ
fbem-27700	300	5	logic	logic	NOUN
fbem-27700	300	6	,	,	PUNCT
fbem-27700	300	7	and	and	CCONJ
fbem-27700	300	8	practical	practical	ADJ
fbem-27700	300	9	effect	effect	NOUN
fbem-27700	300	10	of	of	ADP
fbem-27700	300	11	rural	rural	ADJ
fbem-27700	300	12	financial	financial	ADJ
fbem-27700	300	13	reform	reform	NOUN
fbem-27700	300	14	in	in	ADP
fbem-27700	300	15	the	the	DET
fbem-27700	300	16	new	new	ADJ
fbem-27700	300	17	century	century	NOUN
fbem-27700	300	18	:	:	PUNCT
fbem-27700	300	19	based	base	VERB
fbem-27700	300	20	on	on	ADP
fbem-27700	300	21	a	a	DET
fbem-27700	300	22	textual	textual	ADJ
fbem-27700	300	23	analysis	analysis	NOUN
fbem-27700	300	24	of	of	ADP
fbem-27700	300	25	the	the	DET
fbem-27700	300	26	central	central	ADJ
fbem-27700	300	27	"	"	PUNCT
fbem-27700	300	28	no	no	NOUN
fbem-27700	300	29	.	.	NOUN
fbem-27700	300	30	1	1	NUM
fbem-27700	300	31	document	document	NOUN
fbem-27700	300	32	"	"	PUNCT
fbem-27700	300	33	from	from	ADP
fbem-27700	300	34	2004	2004	NUM
fbem-27700	300	35	to	to	ADP
fbem-27700	300	36	2022	2022	NUM
fbem-27700	300	37	.	.	PUNCT
fbem-27700	301	1	*	*	PUNCT
fbem-27700	301	2	china	china	PROPN
fbem-27700	301	3	rural	rural	ADJ
fbem-27700	301	4	economy	economy	NOUN
fbem-27700	301	5	*	*	SYM
fbem-27700	301	6	,	,	PUNCT
fbem-27700	301	7	2022(09	2022(09	NUM
fbem-27700	301	8	)	)	PUNCT
fbem-27700	301	9	,	,	PUNCT
fbem-27700	301	10	2	2	NUM
fbem-27700	301	11	-	-	SYM
fbem-27700	301	12	23	23	NUM
fbem-27700	301	13	.	.	PUNCT
fbem-27700	302	1	[	[	X
fbem-27700	302	2	10	10	NUM
fbem-27700	302	3	]	]	PUNCT
fbem-27700	302	4	xu	xu	PROPN
fbem-27700	302	5	,	,	PUNCT
fbem-27700	302	6	z.	z.	PROPN
fbem-27700	302	7	,	,	PUNCT
fbem-27700	302	8	&	&	CCONJ
fbem-27700	302	9	cheng	cheng	PROPN
fbem-27700	302	10	,	,	PUNCT
fbem-27700	302	11	e.	e.	PROPN
fbem-27700	302	12	(	(	PUNCT
fbem-27700	302	13	2004	2004	NUM
fbem-27700	302	14	)	)	PUNCT
fbem-27700	302	15	.	.	PUNCT
fbem-27700	303	1	interest	interest	NOUN
fbem-27700	303	2	rate	rate	NOUN
fbem-27700	303	3	policy	policy	NOUN
fbem-27700	303	4	,	,	PUNCT
fbem-27700	303	5	rural	rural	ADJ
fbem-27700	303	6	financial	financial	ADJ
fbem-27700	303	7	institution	institution	NOUN
fbem-27700	303	8	behavior	behavior	NOUN
fbem-27700	303	9	,	,	PUNCT
fbem-27700	303	10	and	and	CCONJ
fbem-27700	303	11	rural	rural	ADJ
fbem-27700	303	12	credit	credit	NOUN
fbem-27700	303	13	shortage	shortage	NOUN
fbem-27700	303	14	.	.	PUNCT
fbem-27700	304	1	*	*	PUNCT
fbem-27700	304	2	financial	financial	ADJ
fbem-27700	304	3	research	research	NOUN
fbem-27700	304	4	*	*	SYM
fbem-27700	304	5	,	,	PUNCT
fbem-27700	304	6	2004(12	2004(12	NUM
fbem-27700	304	7	)	)	PUNCT
fbem-27700	304	8	,	,	PUNCT
fbem-27700	304	9	34	34	NUM
fbem-27700	304	10	-	-	SYM
fbem-27700	304	11	44	44	NUM
fbem-27700	304	12	.	.	PUNCT
fbem-27700	305	1	[	[	X
fbem-27700	305	2	11	11	NUM
fbem-27700	305	3	]	]	X
fbem-27700	305	4	cheng	cheng	PROPN
fbem-27700	305	5	,	,	PUNCT
fbem-27700	305	6	y.	y.	PROPN
fbem-27700	305	7	,	,	PUNCT
fbem-27700	305	8	han	han	PROPN
fbem-27700	305	9	,	,	PUNCT
fbem-27700	305	10	j.	j.	PROPN
fbem-27700	305	11	,	,	PUNCT
fbem-27700	305	12	&	&	CCONJ
fbem-27700	305	13	luo	luo	PROPN
fbem-27700	305	14	,	,	PUNCT
fbem-27700	305	15	d.	d.	PROPN
fbem-27700	305	16	(	(	PUNCT
fbem-27700	305	17	2009	2009	NUM
fbem-27700	305	18	)	)	PUNCT
fbem-27700	305	19	.	.	PUNCT
fbem-27700	306	1	the	the	DET
fbem-27700	306	2	interactive	interactive	ADJ
fbem-27700	306	3	effects	effect	NOUN
fbem-27700	306	4	of	of	ADP
fbem-27700	306	5	supply	supply	NOUN
fbem-27700	306	6	allocation	allocation	NOUN
fbem-27700	306	7	and	and	CCONJ
fbem-27700	306	8	demand	demand	NOUN
fbem-27700	306	9	suppression	suppression	NOUN
fbem-27700	306	10	on	on	ADP
fbem-27700	306	11	formal	formal	ADJ
fbem-27700	306	12	credit	credit	NOUN
fbem-27700	306	13	constraints	constraint	NOUN
fbem-27700	306	14	:	:	PUNCT
fbem-27700	306	15	a	a	DET
fbem-27700	306	16	study	study	NOUN
fbem-27700	306	17	based	base	VERB
fbem-27700	306	18	on	on	ADP
fbem-27700	306	19	the	the	DET
fbem-27700	306	20	financial	financial	ADJ
fbem-27700	306	21	needs	need	NOUN
fbem-27700	306	22	and	and	CCONJ
fbem-27700	306	23	behaviors	behavior	NOUN
fbem-27700	306	24	of	of	ADP
fbem-27700	306	25	1,874	1,874	NUM
fbem-27700	306	26	farmers	farmer	NOUN
fbem-27700	306	27	.	.	PUNCT
fbem-27700	307	1	*	*	PUNCT
fbem-27700	307	2	world	world	NOUN
fbem-27700	307	3	economy	economy	NOUN
fbem-27700	307	4	*	*	PUNCT
fbem-27700	307	5	,	,	PUNCT
fbem-27700	307	6	2009(05	2009(05	NUM
fbem-27700	307	7	)	)	PUNCT
fbem-27700	307	8	,	,	PUNCT
fbem-27700	307	9	7382	7382	NUM
fbem-27700	307	10	.	.	PUNCT
fbem-27700	308	1	doi:10.19985	doi:10.19985	NOUN
fbem-27700	308	2	/	/	SYM
fbem-27700	308	3	j.cnki.cassjwe.2009.05.007	j.cnki.cassjwe.2009.05.007	PROPN
fbem-27700	308	4	.	.	PUNCT
fbem-27700	309	1	[	[	X
fbem-27700	309	2	12	12	NUM
fbem-27700	309	3	]	]	X
fbem-27700	309	4	zhang	zhang	PROPN
fbem-27700	309	5	,	,	PUNCT
fbem-27700	309	6	z.	z.	PROPN
fbem-27700	309	7	,	,	PUNCT
fbem-27700	309	8	wu	wu	PROPN
fbem-27700	309	9	,	,	PUNCT
fbem-27700	309	10	h.	h.	PROPN
fbem-27700	309	11	,	,	PUNCT
fbem-27700	309	12	&	&	CCONJ
fbem-27700	309	13	wu	wu	PROPN
fbem-27700	309	14	,	,	PUNCT
fbem-27700	309	15	j.	j.	PROPN
fbem-27700	309	16	(	(	PUNCT
fbem-27700	309	17	2012	2012	NUM
fbem-27700	309	18	)	)	PUNCT
fbem-27700	309	19	.	.	PUNCT
fbem-27700	310	1	the	the	DET
fbem-27700	310	2	relationship	relationship	NOUN
fbem-27700	310	3	between	between	ADP
fbem-27700	310	4	price	price	NOUN
fbem-27700	310	5	competition	competition	NOUN
fbem-27700	310	6	of	of	ADP
fbem-27700	310	7	commercial	commercial	ADJ
fbem-27700	310	8	banks	bank	NOUN
fbem-27700	310	9	and	and	CCONJ
fbem-27700	310	10	risk	risk	NOUN
fbem-27700	310	11	behavior	behavior	NOUN
fbem-27700	310	12	:	:	PUNCT
fbem-27700	310	13	an	an	DET
fbem-27700	310	14	empirical	empirical	ADJ
fbem-27700	310	15	study	study	NOUN
fbem-27700	310	16	based	base	VERB
fbem-27700	310	17	on	on	ADP
fbem-27700	310	18	loan	loan	NOUN
fbem-27700	310	19	interest	interest	NOUN
fbem-27700	310	20	rate	rate	NOUN
fbem-27700	310	21	marketization	marketization	NOUN
fbem-27700	310	22	.	.	PUNCT
fbem-27700	311	1	351	351	NUM
fbem-27700	311	2	*	*	ADJ
fbem-27700	311	3	financial	financial	ADJ
fbem-27700	311	4	research	research	NOUN
fbem-27700	311	5	*	*	SYM
fbem-27700	311	6	,	,	PUNCT
fbem-27700	311	7	2012(7	2012(7	NUM
fbem-27700	311	8	)	)	PUNCT
fbem-27700	311	9	,	,	PUNCT
fbem-27700	311	10	14	14	NUM
fbem-27700	311	11	.	.	PUNCT
fbem-27700	312	1	doi	doi	NOUN
fbem-27700	312	2	:	:	PUNCT
fbem-27700	312	3	cnki	cnki	ADJ
fbem-27700	312	4	:	:	PUNCT
fbem-27700	312	5	sun	sun	NOUN
fbem-27700	312	6	:	:	PUNCT
fbem-27700	312	7	jryj.0.2012	jryj.0.2012	PROPN
fbem-27700	312	8	-	-	PUNCT
fbem-27700	312	9	07	07	NUM
fbem-27700	312	10	-	-	PUNCT
fbem-27700	312	11	004	004	NOUN
fbem-27700	312	12	.	.	PUNCT
fbem-27700	313	1	[	[	X
fbem-27700	313	2	13	13	NUM
fbem-27700	313	3	]	]	X
fbem-27700	313	4	liu	liu	PROPN
fbem-27700	313	5	,	,	PUNCT
fbem-27700	313	6	l.	l.	PROPN
fbem-27700	313	7	,	,	PUNCT
fbem-27700	313	8	yu	yu	PROPN
fbem-27700	313	9	,	,	PUNCT
fbem-27700	313	10	j.	j.	PROPN
fbem-27700	313	11	,	,	PUNCT
fbem-27700	313	12	yang	yang	PROPN
fbem-27700	313	13	,	,	PUNCT
fbem-27700	313	14	j.	j.	PROPN
fbem-27700	313	15	,	,	PUNCT
fbem-27700	313	16	&	&	CCONJ
fbem-27700	313	17	zhu	zhu	PROPN
fbem-27700	313	18	,	,	PUNCT
fbem-27700	313	19	x.	x.	NOUN
fbem-27700	313	20	(	(	PUNCT
fbem-27700	313	21	2017	2017	NUM
fbem-27700	313	22	)	)	PUNCT
fbem-27700	313	23	.	.	PUNCT
fbem-27700	314	1	is	be	AUX
fbem-27700	314	2	competition	competition	NOUN
fbem-27700	314	3	a	a	DET
fbem-27700	314	4	double	double	ADJ
fbem-27700	314	5	-	-	PUNCT
fbem-27700	314	6	edged	edge	VERB
fbem-27700	314	7	sword	sword	NOUN
fbem-27700	314	8	for	for	ADP
fbem-27700	314	9	bank	bank	NOUN
fbem-27700	314	10	credit	credit	NOUN
fbem-27700	314	11	structure	structure	NOUN
fbem-27700	314	12	adjustment	adjustment	NOUN
fbem-27700	314	13	?	?	PUNCT
fbem-27700	315	1	micro	micro	NOUN
fbem-27700	315	2	-	-	NOUN
fbem-27700	315	3	evidence	evidence	NOUN
fbem-27700	315	4	from	from	ADP
fbem-27700	315	5	china	china	PROPN
fbem-27700	315	6	’s	’s	PART
fbem-27700	315	7	interest	interest	NOUN
fbem-27700	315	8	rate	rate	NOUN
fbem-27700	315	9	marketization	marketization	NOUN
fbem-27700	315	10	process	process	NOUN
fbem-27700	315	11	.	.	PUNCT
fbem-27700	316	1	*	*	PUNCT
fbem-27700	316	2	international	international	ADJ
fbem-27700	316	3	monetary	monetary	ADJ
fbem-27700	316	4	review	review	NOUN
fbem-27700	316	5	*	*	SYM
fbem-27700	316	6	,	,	PUNCT
fbem-27700	316	7	2017	2017	NUM
fbem-27700	316	8	.	.	PUNCT
fbem-27700	317	1	[	[	X
fbem-27700	317	2	14	14	NUM
fbem-27700	317	3	]	]	X
fbem-27700	317	4	wang	wang	PROPN
fbem-27700	317	5	,	,	PUNCT
fbem-27700	317	6	d.	d.	PROPN
fbem-27700	317	7	,	,	PUNCT
fbem-27700	317	8	&	&	CCONJ
fbem-27700	317	9	zhang	zhang	PROPN
fbem-27700	317	10	,	,	PUNCT
fbem-27700	317	11	x.	x.	NOUN
fbem-27700	317	12	(	(	PUNCT
fbem-27700	317	13	2007	2007	NUM
fbem-27700	317	14	)	)	PUNCT
fbem-27700	317	15	.	.	PUNCT
fbem-27700	318	1	interest	interest	NOUN
fbem-27700	318	2	rate	rate	NOUN
fbem-27700	318	3	marketization	marketization	NOUN
fbem-27700	318	4	,	,	PUNCT
fbem-27700	318	5	corporate	corporate	ADJ
fbem-27700	318	6	financing	financing	NOUN
fbem-27700	318	7	,	,	PUNCT
fbem-27700	318	8	and	and	CCONJ
fbem-27700	318	9	credit	credit	NOUN
fbem-27700	318	10	behavior	behavior	NOUN
fbem-27700	318	11	of	of	ADP
fbem-27700	318	12	financial	financial	ADJ
fbem-27700	318	13	institutions	institution	NOUN
fbem-27700	318	14	.	.	PUNCT
fbem-27700	319	1	*	*	PUNCT
fbem-27700	319	2	world	world	NOUN
fbem-27700	319	3	economy	economy	NOUN
fbem-27700	319	4	*	*	PUNCT
fbem-27700	319	5	,	,	PUNCT
fbem-27700	319	6	2007	2007	NUM
fbem-27700	319	7	,	,	PUNCT
fbem-27700	319	8	30(2	30(2	NUM
fbem-27700	319	9	)	)	PUNCT
fbem-27700	319	10	,	,	PUNCT
fbem-27700	319	11	10	10	NUM
fbem-27700	319	12	.	.	PUNCT
fbem-27700	319	13	doi:10.3969	doi:10.3969	NOUN
fbem-27700	319	14	/	/	PUNCT
fbem-27700	319	15	j.issn.1002	j.issn.1002	NOUN
fbem-27700	319	16	-	-	PUNCT
fbem-27700	319	17	9621.2007.02.006	9621.2007.02.006	NOUN
fbem-27700	319	18	.	.	PUNCT
fbem-27700	320	1	[	[	X
fbem-27700	320	2	15	15	NUM
fbem-27700	320	3	]	]	X
fbem-27700	320	4	zhao	zhao	X
fbem-27700	320	5	,	,	PUNCT
fbem-27700	320	6	p.	p.	PROPN
fbem-27700	320	7	,	,	PUNCT
fbem-27700	320	8	&	&	CCONJ
fbem-27700	320	9	yao	yao	PROPN
fbem-27700	320	10	,	,	PUNCT
fbem-27700	320	11	y.	y.	PROPN
fbem-27700	320	12	(	(	PUNCT
fbem-27700	320	13	2022	2022	NUM
fbem-27700	320	14	)	)	PUNCT
fbem-27700	320	15	.	.	PUNCT
fbem-27700	321	1	the	the	DET
fbem-27700	321	2	impact	impact	NOUN
fbem-27700	321	3	of	of	ADP
fbem-27700	321	4	interest	interest	NOUN
fbem-27700	321	5	rate	rate	NOUN
fbem-27700	321	6	marketization	marketization	NOUN
fbem-27700	321	7	reform	reform	NOUN
fbem-27700	321	8	on	on	ADP
fbem-27700	321	9	financing	financing	NOUN
fbem-27700	321	10	constraints	constraint	NOUN
fbem-27700	321	11	of	of	ADP
fbem-27700	321	12	small	small	ADJ
fbem-27700	321	13	and	and	CCONJ
fbem-27700	321	14	medium	medium	ADJ
fbem-27700	321	15	-	-	PUNCT
fbem-27700	321	16	sized	sized	ADJ
fbem-27700	321	17	private	private	ADJ
fbem-27700	321	18	enterprises	enterprise	NOUN
fbem-27700	321	19	in	in	ADP
fbem-27700	321	20	china	china	PROPN
fbem-27700	321	21	:	:	PUNCT
fbem-27700	321	22	a	a	DET
fbem-27700	321	23	re	re	NOUN
fbem-27700	321	24	-	-	NOUN
fbem-27700	321	25	examination	examination	NOUN
fbem-27700	321	26	of	of	ADP
fbem-27700	321	27	the	the	DET
fbem-27700	321	28	role	role	NOUN
fbem-27700	321	29	of	of	ADP
fbem-27700	321	30	bank	bank	NOUN
fbem-27700	321	31	credit	credit	NOUN
fbem-27700	321	32	risk	risk	NOUN
fbem-27700	321	33	pricing	pricing	NOUN
fbem-27700	321	34	ability	ability	NOUN
fbem-27700	321	35	.	.	PUNCT
fbem-27700	322	1	*	*	PUNCT
fbem-27700	322	2	financial	financial	ADJ
fbem-27700	322	3	research	research	NOUN
fbem-27700	322	4	*	*	SYM
fbem-27700	322	5	,	,	PUNCT
fbem-27700	322	6	2022	2022	NUM
fbem-27700	322	7	,	,	PUNCT
fbem-27700	322	8	48(7	48(7	NUM
fbem-27700	322	9	)	)	PUNCT
fbem-27700	322	10	,	,	PUNCT
fbem-27700	322	11	15	15	NUM
fbem-27700	322	12	.	.	PUNCT
fbem-27700	323	1	[	[	X
fbem-27700	323	2	16	16	NUM
fbem-27700	323	3	]	]	X
fbem-27700	323	4	xiang	xiang	PROPN
fbem-27700	323	5	,	,	PUNCT
fbem-27700	323	6	h.	h.	PROPN
fbem-27700	323	7	,	,	PUNCT
fbem-27700	323	8	&	&	CCONJ
fbem-27700	323	9	yan	yan	PROPN
fbem-27700	323	10	,	,	PUNCT
fbem-27700	323	11	y.	y.	PROPN
fbem-27700	323	12	(	(	PUNCT
fbem-27700	323	13	2017	2017	NUM
fbem-27700	323	14	)	)	PUNCT
fbem-27700	323	15	.	.	PUNCT
fbem-27700	324	1	the	the	DET
fbem-27700	324	2	development	development	NOUN
fbem-27700	324	3	of	of	ADP
fbem-27700	324	4	financial	financial	ADJ
fbem-27700	324	5	products	product	NOUN
fbem-27700	324	6	,	,	PUNCT
fbem-27700	324	7	interest	interest	NOUN
fbem-27700	324	8	rate	rate	NOUN
fbem-27700	324	9	marketization	marketization	NOUN
fbem-27700	324	10	,	,	PUNCT
fbem-27700	324	11	and	and	CCONJ
fbem-27700	324	12	bank	bank	NOUN
fbem-27700	324	13	risk	risk	NOUN
fbem-27700	324	14	-	-	PUNCT
fbem-27700	324	15	taking	take	VERB
fbem-27700	324	16	behavior	behavior	NOUN
fbem-27700	324	17	.	.	PUNCT
fbem-27700	325	1	*	*	PUNCT
fbem-27700	325	2	financial	financial	ADJ
fbem-27700	325	3	research	research	NOUN
fbem-27700	325	4	*	*	SYM
fbem-27700	325	5	,	,	PUNCT
fbem-27700	325	6	2017(10	2017(10	NUM
fbem-27700	325	7	)	)	PUNCT
fbem-27700	325	8	,	,	PUNCT
fbem-27700	325	9	16	16	NUM
fbem-27700	325	10	.	.	PUNCT
fbem-27700	325	11	doi	doi	NOUN
fbem-27700	325	12	:	:	PUNCT
fbem-27700	325	13	cnki	cnki	ADJ
fbem-27700	325	14	:	:	PUNCT
fbem-27700	325	15	sun	sun	NOUN
fbem-27700	325	16	:	:	PUNCT
fbem-27700	325	17	jryj.0.2017	jryj.0.2017	NOUN
fbem-27700	325	18	-	-	SYM
fbem-27700	325	19	10	10	NUM
fbem-27700	325	20	-	-	NUM
fbem-27700	325	21	007	007	NUM
fbem-27700	325	22	.	.	PUNCT
fbem-27700	326	1	[	[	X
fbem-27700	326	2	17	17	NUM
fbem-27700	326	3	]	]	X
fbem-27700	326	4	qi	qi	PROPN
fbem-27700	326	5	,	,	PUNCT
fbem-27700	326	6	h.	h.	PROPN
fbem-27700	326	7	,	,	PUNCT
fbem-27700	326	8	wu	wu	PROPN
fbem-27700	326	9	,	,	PUNCT
fbem-27700	326	10	b.	b.	PROPN
fbem-27700	326	11	,	,	PUNCT
fbem-27700	326	12	&	&	CCONJ
fbem-27700	326	13	ma	ma	PROPN
fbem-27700	326	14	,	,	PUNCT
fbem-27700	326	15	j.	j.	PROPN
fbem-27700	326	16	(	(	PUNCT
fbem-27700	326	17	2022	2022	NUM
fbem-27700	326	18	)	)	PUNCT
fbem-27700	326	19	.	.	PUNCT
fbem-27700	327	1	loan	loan	NOUN
fbem-27700	327	2	interest	interest	NOUN
fbem-27700	327	3	rate	rate	NOUN
fbem-27700	327	4	marketization	marketization	NOUN
fbem-27700	327	5	and	and	CCONJ
fbem-27700	327	6	the	the	DET
fbem-27700	327	7	return	return	NOUN
fbem-27700	327	8	to	to	ADP
fbem-27700	327	9	the	the	DET
fbem-27700	327	10	core	core	NOUN
fbem-27700	327	11	mission	mission	NOUN
fbem-27700	327	12	of	of	ADP
fbem-27700	327	13	rural	rural	ADJ
fbem-27700	327	14	financial	financial	ADJ
fbem-27700	327	15	institutions	institution	NOUN
fbem-27700	327	16	.	.	PUNCT
fbem-27700	328	1	*	*	PUNCT
fbem-27700	328	2	world	world	NOUN
fbem-27700	328	3	economy	economy	NOUN
fbem-27700	328	4	*	*	PUNCT
fbem-27700	328	5	,	,	PUNCT
fbem-27700	328	6	2022	2022	NUM
fbem-27700	328	7	,	,	PUNCT
fbem-27700	328	8	45(11	45(11	NUM
fbem-27700	328	9	)	)	PUNCT
fbem-27700	328	10	,	,	PUNCT
fbem-27700	328	11	77100	77100	NUM
fbem-27700	328	12	.	.	PUNCT
fbem-27700	329	1	[	[	X
fbem-27700	329	2	18	18	NUM
fbem-27700	329	3	]	]	X
fbem-27700	329	4	wang	wang	PROPN
fbem-27700	329	5	,	,	PUNCT
fbem-27700	329	6	c.	c.	PROPN
fbem-27700	329	7	,	,	PUNCT
fbem-27700	329	8	zhong	zhong	PROPN
fbem-27700	329	9	,	,	PUNCT
fbem-27700	329	10	t.	t.	PROPN
fbem-27700	329	11	,	,	PUNCT
fbem-27700	329	12	&	&	CCONJ
fbem-27700	329	13	zheng	zheng	PROPN
fbem-27700	329	14	,	,	PUNCT
fbem-27700	329	15	h.	h.	PROPN
fbem-27700	329	16	(	(	PUNCT
fbem-27700	329	17	2014	2014	NUM
fbem-27700	329	18	)	)	PUNCT
fbem-27700	329	19	.	.	PUNCT
fbem-27700	330	1	does	do	AUX
fbem-27700	330	2	financial	financial	ADJ
fbem-27700	330	3	institution	institution	NOUN
fbem-27700	330	4	competition	competition	NOUN
fbem-27700	330	5	improve	improve	VERB
fbem-27700	330	6	farmers	farmer	NOUN
fbem-27700	330	7	'	'	PART
fbem-27700	330	8	credit	credit	NOUN
fbem-27700	330	9	access	access	NOUN
fbem-27700	330	10	?	?	PUNCT
fbem-27700	331	1	empirical	empirical	ADJ
fbem-27700	331	2	study	study	NOUN
fbem-27700	331	3	based	base	VERB
fbem-27700	331	4	on	on	ADP
fbem-27700	331	5	farmer	farmer	NOUN
fbem-27700	331	6	survey	survey	NOUN
fbem-27700	331	7	data	datum	NOUN
fbem-27700	331	8	.	.	PUNCT
fbem-27700	332	1	*	*	PUNCT
fbem-27700	332	2	economic	economic	ADJ
fbem-27700	332	3	research	research	NOUN
fbem-27700	332	4	*	*	SYM
fbem-27700	332	5	,	,	PUNCT
fbem-27700	332	6	2014	2014	NUM
fbem-27700	332	7	,	,	PUNCT
fbem-27700	332	8	49(10	49(10	PROPN
fbem-27700	332	9	)	)	PUNCT
fbem-27700	332	10	,	,	PUNCT
fbem-27700	332	11	33	33	NUM
fbem-27700	332	12	-	-	SYM
fbem-27700	332	13	45	45	NUM
fbem-27700	332	14	+	+	NOUN
fbem-27700	332	15	178	178	NUM
fbem-27700	332	16	.	.	PUNCT
fbem-27700	333	1	[	[	X
fbem-27700	333	2	19	19	NUM
fbem-27700	333	3	]	]	X
fbem-27700	333	4	zhu	zhu	PROPN
fbem-27700	333	5	,	,	PUNCT
fbem-27700	333	6	y.	y.	PROPN
fbem-27700	333	7	,	,	PUNCT
fbem-27700	333	8	&	&	CCONJ
fbem-27700	333	9	he	he	PRON
fbem-27700	333	10	,	,	PUNCT
fbem-27700	333	11	c.	c.	PROPN
fbem-27700	333	12	(	(	PUNCT
fbem-27700	333	13	2022	2022	NUM
fbem-27700	333	14	)	)	PUNCT
fbem-27700	333	15	.	.	PUNCT
fbem-27700	334	1	credit	credit	NOUN
fbem-27700	334	2	technology	technology	NOUN
fbem-27700	334	3	,	,	PUNCT
fbem-27700	334	4	soft	soft	ADJ
fbem-27700	334	5	information	information	NOUN
fbem-27700	334	6	,	,	PUNCT
fbem-27700	334	7	and	and	CCONJ
fbem-27700	334	8	the	the	DET
fbem-27700	334	9	appropriate	appropriate	ADJ
fbem-27700	334	10	loan	loan	NOUN
fbem-27700	334	11	amount	amount	NOUN
fbem-27700	334	12	:	:	PUNCT
fbem-27700	334	13	an	an	DET
fbem-27700	334	14	empirical	empirical	ADJ
fbem-27700	334	15	study	study	NOUN
fbem-27700	334	16	based	base	VERB
fbem-27700	334	17	on	on	ADP
fbem-27700	334	18	1,493	1,493	NUM
fbem-27700	334	19	microcredit	microcredit	NOUN
fbem-27700	334	20	loan	loan	NOUN
fbem-27700	334	21	surveys	survey	NOUN
fbem-27700	334	22	.	.	PUNCT
fbem-27700	335	1	*	*	PUNCT
fbem-27700	335	2	zhejiang	zhejiang	PROPN
fbem-27700	335	3	university	university	PROPN
fbem-27700	335	4	journal	journal	PROPN
fbem-27700	335	5	(	(	PUNCT
fbem-27700	335	6	humanities	humanity	NOUN
fbem-27700	335	7	&	&	CCONJ
fbem-27700	335	8	social	social	PROPN
fbem-27700	335	9	sciences	sciences	PROPN
fbem-27700	335	10	edition	edition	PROPN
fbem-27700	335	11	)	)	PUNCT
fbem-27700	335	12	*	*	PROPN
fbem-27700	335	13	,	,	PUNCT
fbem-27700	335	14	2022	2022	NUM
fbem-27700	335	15	,	,	PUNCT
fbem-27700	335	16	52(07	52(07	NUM
fbem-27700	335	17	)	)	PUNCT
fbem-27700	335	18	,	,	PUNCT
fbem-27700	335	19	16	16	NUM
fbem-27700	335	20	-	-	SYM
fbem-27700	335	21	33	33	NUM
fbem-27700	335	22	.	.	PUNCT
fbem-27700	336	1	[	[	X
fbem-27700	336	2	20	20	NUM
fbem-27700	336	3	]	]	X
fbem-27700	336	4	zhu	zhu	PROPN
fbem-27700	336	5	,	,	PUNCT
fbem-27700	336	6	x.	x.	PROPN
fbem-27700	336	7	,	,	PUNCT
fbem-27700	336	8	&	&	CCONJ
fbem-27700	336	9	li	li	PROPN
fbem-27700	336	10	,	,	PUNCT
fbem-27700	336	11	z.	z.	PROPN
fbem-27700	336	12	(	(	PUNCT
fbem-27700	336	13	2006	2006	NUM
fbem-27700	336	14	)	)	PUNCT
fbem-27700	336	15	.	.	PUNCT
fbem-27700	337	1	credit	credit	NOUN
fbem-27700	337	2	allocation	allocation	NOUN
fbem-27700	337	3	of	of	ADP
fbem-27700	337	4	formal	formal	ADJ
fbem-27700	337	5	financial	financial	ADJ
fbem-27700	337	6	institutions	institution	NOUN
fbem-27700	337	7	to	to	ADP
fbem-27700	337	8	farmers	farmer	NOUN
fbem-27700	337	9	:	:	PUNCT
fbem-27700	337	10	an	an	DET
fbem-27700	337	11	empirical	empirical	ADJ
fbem-27700	337	12	analysis	analysis	NOUN
fbem-27700	337	13	using	use	VERB
fbem-27700	337	14	a	a	DET
fbem-27700	337	15	simultaneous	simultaneous	ADJ
fbem-27700	337	16	discrete	discrete	ADJ
fbem-27700	337	17	choice	choice	NOUN
fbem-27700	337	18	model	model	NOUN
fbem-27700	337	19	.	.	PUNCT
fbem-27700	338	1	*	*	PUNCT
fbem-27700	338	2	quantitative	quantitative	ADJ
fbem-27700	338	3	economics	economic	NOUN
fbem-27700	338	4	and	and	CCONJ
fbem-27700	338	5	technical	technical	ADJ
fbem-27700	338	6	economic	economic	ADJ
fbem-27700	338	7	research	research	NOUN
fbem-27700	338	8	*	*	SYM
fbem-27700	338	9	,	,	PUNCT
fbem-27700	338	10	2006(03	2006(03	NUM
fbem-27700	338	11	)	)	PUNCT
fbem-27700	338	12	,	,	PUNCT
fbem-27700	338	13	3749	3749	NUM
fbem-27700	338	14	.	.	PUNCT
fbem-27700	339	1	[	[	X
fbem-27700	339	2	21	21	NUM
fbem-27700	339	3	]	]	X
fbem-27700	339	4	huo	huo	NOUN
fbem-27700	339	5	,	,	PUNCT
fbem-27700	339	6	x.	x.	NOUN
fbem-27700	339	7	,	,	PUNCT
fbem-27700	339	8	&	&	CCONJ
fbem-27700	339	9	qu	qu	PROPN
fbem-27700	339	10	,	,	PUNCT
fbem-27700	339	11	x.	x.	NOUN
fbem-27700	339	12	(	(	PUNCT
fbem-27700	339	13	2005	2005	NUM
fbem-27700	339	14	)	)	PUNCT
fbem-27700	339	15	.	.	PUNCT
fbem-27700	340	1	analyzing	analyze	VERB
fbem-27700	340	2	the	the	DET
fbem-27700	340	3	demand	demand	NOUN
fbem-27700	340	4	and	and	CCONJ
fbem-27700	340	5	supply	supply	NOUN
fbem-27700	340	6	of	of	ADP
fbem-27700	340	7	funds	fund	NOUN
fbem-27700	340	8	for	for	ADP
fbem-27700	340	9	farmers	farmer	NOUN
fbem-27700	340	10	in	in	ADP
fbem-27700	340	11	western	western	ADJ
fbem-27700	340	12	traditional	traditional	ADJ
fbem-27700	340	13	agricultural	agricultural	ADJ
fbem-27700	340	14	regions	region	NOUN
fbem-27700	340	15	:	:	PUNCT
fbem-27700	340	16	a	a	DET
fbem-27700	340	17	study	study	NOUN
fbem-27700	340	18	on	on	ADP
fbem-27700	340	19	the	the	DET
fbem-27700	340	20	rural	rural	ADJ
fbem-27700	340	21	financial	financial	ADJ
fbem-27700	340	22	situation	situation	NOUN
fbem-27700	340	23	in	in	ADP
fbem-27700	340	24	shaanxi	shaanxi	PROPN
fbem-27700	340	25	wei	wei	PROPN
fbem-27700	340	26	north	north	PROPN
fbem-27700	340	27	area	area	NOUN
fbem-27700	340	28	.	.	PUNCT
fbem-27700	341	1	*	*	PUNCT
fbem-27700	341	2	china	china	PROPN
fbem-27700	341	3	rural	rural	ADJ
fbem-27700	341	4	economy	economy	NOUN
fbem-27700	341	5	*	*	PUNCT
fbem-27700	341	6	,	,	PUNCT
fbem-27700	341	7	2005(08	2005(08	NUM
fbem-27700	341	8	)	)	PUNCT
fbem-27700	341	9	,	,	PUNCT
fbem-27700	341	10	58	58	NUM
fbem-27700	341	11	-	-	SYM
fbem-27700	341	12	67	67	NUM
fbem-27700	341	13	.	.	PUNCT
fbem-27700	342	1	[	[	X
fbem-27700	342	2	22	22	NUM
fbem-27700	342	3	]	]	X
fbem-27700	342	4	cao	cao	PROPN
fbem-27700	342	5	,	,	PUNCT
fbem-27700	342	6	l.	l.	PROPN
fbem-27700	342	7	(	(	PUNCT
fbem-27700	342	8	2001	2001	NUM
fbem-27700	342	9	)	)	PUNCT
fbem-27700	342	10	.	.	PUNCT
fbem-27700	343	1	research	research	NOUN
fbem-27700	343	2	on	on	ADP
fbem-27700	343	3	the	the	DET
fbem-27700	343	4	behavior	behavior	NOUN
fbem-27700	343	5	of	of	ADP
fbem-27700	343	6	rural	rural	ADJ
fbem-27700	343	7	financial	financial	ADJ
fbem-27700	343	8	market	market	NOUN
fbem-27700	343	9	participants	participant	NOUN
fbem-27700	343	10	in	in	ADP
fbem-27700	343	11	china	china	PROPN
fbem-27700	343	12	.	.	PUNCT
fbem-27700	344	1	*	*	PUNCT
fbem-27700	344	2	financial	financial	PROPN
fbem-27700	344	3	forum	forum	NOUN
fbem-27700	344	4	*	*	PROPN
fbem-27700	344	5	,	,	PUNCT
fbem-27700	344	6	2001(05	2001(05	NUM
fbem-27700	344	7	)	)	PUNCT
fbem-27700	344	8	,	,	PUNCT
fbem-27700	344	9	611	611	NUM
fbem-27700	344	10	+	+	SYM
fbem-27700	344	11	33	33	NUM
fbem-27700	344	12	.	.	PUNCT
fbem-27700	345	1	doi:10.16529	doi:10.16529	NOUN
fbem-27700	345	2	/	/	SYM
fbem-27700	345	3	j.cnki.11	j.cnki.11	PROPN
fbem-27700	345	4	-	-	PUNCT
fbem-27700	345	5	4613	4613	NUM
fbem-27700	345	6	/	/	SYM
fbem-27700	345	7	f.2001.05.002	f.2001.05.002	NOUN
fbem-27700	345	8	.	.	PUNCT
fbem-27700	346	1	[	[	X
fbem-27700	346	2	23	23	NUM
fbem-27700	346	3	]	]	X
fbem-27700	346	4	song	song	NOUN
fbem-27700	346	5	,	,	PUNCT
fbem-27700	346	6	q.	q.	PROPN
fbem-27700	346	7	,	,	PUNCT
fbem-27700	346	8	wu	wu	PROPN
fbem-27700	346	9	,	,	PUNCT
fbem-27700	346	10	y.	y.	PROPN
fbem-27700	346	11	,	,	PUNCT
fbem-27700	346	12	&	&	CCONJ
fbem-27700	346	13	yin	yin	PROPN
fbem-27700	346	14	,	,	PUNCT
fbem-27700	346	15	z.	z.	PROPN
fbem-27700	346	16	(	(	PUNCT
fbem-27700	346	17	2017	2017	NUM
fbem-27700	346	18	)	)	PUNCT
fbem-27700	346	19	.	.	PUNCT
fbem-27700	347	1	research	research	NOUN
fbem-27700	347	2	on	on	ADP
fbem-27700	347	3	household	household	NOUN
fbem-27700	347	4	credit	credit	NOUN
fbem-27700	347	5	behavior	behavior	NOUN
fbem-27700	347	6	from	from	ADP
fbem-27700	347	7	the	the	DET
fbem-27700	347	8	perspective	perspective	NOUN
fbem-27700	347	9	of	of	ADP
fbem-27700	347	10	financial	financial	ADJ
fbem-27700	347	11	knowledge	knowledge	NOUN
fbem-27700	347	12	.	.	PUNCT
fbem-27700	348	1	*	*	PUNCT
fbem-27700	348	2	financial	financial	ADJ
fbem-27700	348	3	research	research	NOUN
fbem-27700	348	4	*	*	SYM
fbem-27700	348	5	,	,	PUNCT
fbem-27700	348	6	2017(6	2017(6	NUM
fbem-27700	348	7	)	)	PUNCT
fbem-27700	348	8	,	,	PUNCT
fbem-27700	348	9	16	16	NUM
fbem-27700	349	1	.	.	PUNCT
fbem-27700	349	2	doi	doi	NOUN
fbem-27700	349	3	:	:	PUNCT
fbem-27700	349	4	cnki	cnki	ADJ
fbem-27700	349	5	:	:	PUNCT
fbem-27700	349	6	sun	sun	NOUN
fbem-27700	349	7	:	:	PUNCT
fbem-27700	349	8	jryj.0.2017	jryj.0.2017	NOUN
fbem-27700	349	9	-	-	PUNCT
fbem-27700	349	10	06	06	NUM
fbem-27700	349	11	-	-	PUNCT
fbem-27700	349	12	007	007	NUM
fbem-27700	349	13	.	.	PUNCT
fbem-27700	350	1	[	[	X
fbem-27700	350	2	24	24	NUM
fbem-27700	350	3	]	]	X
fbem-27700	350	4	liu	liu	PROPN
fbem-27700	350	5	,	,	PUNCT
fbem-27700	350	6	d.	d.	PROPN
fbem-27700	350	7	,	,	PUNCT
fbem-27700	350	8	&	&	CCONJ
fbem-27700	350	9	lu	lu	PROPN
fbem-27700	350	10	,	,	PUNCT
fbem-27700	350	11	j.	j.	PROPN
fbem-27700	350	12	(	(	PUNCT
fbem-27700	350	13	2019	2019	NUM
fbem-27700	350	14	)	)	PUNCT
fbem-27700	350	15	.	.	PUNCT
fbem-27700	351	1	the	the	DET
fbem-27700	351	2	impact	impact	NOUN
fbem-27700	351	3	of	of	ADP
fbem-27700	351	4	financial	financial	ADJ
fbem-27700	351	5	knowledge	knowledge	NOUN
fbem-27700	351	6	on	on	ADP
fbem-27700	351	7	farmers	farmer	NOUN
fbem-27700	351	8	'	'	PART
fbem-27700	351	9	credit	credit	NOUN
fbem-27700	351	10	behavior	behavior	NOUN
fbem-27700	351	11	:	:	PUNCT
fbem-27700	351	12	an	an	DET
fbem-27700	351	13	intergenerational	intergenerational	ADJ
fbem-27700	351	14	perspective	perspective	NOUN
fbem-27700	351	15	.	.	PUNCT
fbem-27700	352	1	*	*	PUNCT
fbem-27700	352	2	agricultural	agricultural	ADJ
fbem-27700	352	3	technology	technology	NOUN
fbem-27700	352	4	economics	economic	NOUN
fbem-27700	352	5	*	*	PUNCT
fbem-27700	352	6	,	,	PUNCT
fbem-27700	352	7	2019	2019	NUM
fbem-27700	352	8	,	,	PUNCT
fbem-27700	352	9	no.295(11	no.295(11	PROPN
fbem-27700	352	10	)	)	PUNCT
fbem-27700	352	11	,	,	PUNCT
fbem-27700	352	12	2030	2030	NUM
fbem-27700	352	13	.	.	PUNCT
fbem-27700	353	1	doi	doi	NOUN
fbem-27700	353	2	:	:	PUNCT
fbem-27700	353	3	cnki	cnki	ADJ
fbem-27700	353	4	:	:	PUNCT
fbem-27700	353	5	sun	sun	NOUN
fbem-27700	353	6	:	:	PUNCT
fbem-27700	353	7	nyjs.0.2019	nyjs.0.2019	NOUN
fbem-27700	353	8	-	-	PUNCT
fbem-27700	353	9	11	11	NUM
fbem-27700	353	10	-	-	PUNCT
fbem-27700	353	11	002	002	NUM
fbem-27700	353	12	.	.	PUNCT
fbem-27700	354	1	[	[	X
fbem-27700	354	2	25	25	NUM
fbem-27700	354	3	]	]	PUNCT
fbem-27700	354	4	chatterjee	chatterjee	PROPN
fbem-27700	354	5	,	,	PUNCT
fbem-27700	354	6	s.	s.	PROPN
fbem-27700	354	7	(	(	PUNCT
fbem-27700	354	8	2013	2013	NUM
fbem-27700	354	9	)	)	PUNCT
fbem-27700	354	10	.	.	PUNCT
fbem-27700	355	1	borrowing	borrow	VERB
fbem-27700	355	2	decisions	decision	NOUN
fbem-27700	355	3	of	of	ADP
fbem-27700	355	4	creditconstrained	creditconstraine	VERB
fbem-27700	355	5	consumers	consumer	NOUN
fbem-27700	355	6	and	and	CCONJ
fbem-27700	355	7	the	the	DET
fbem-27700	355	8	role	role	NOUN
fbem-27700	355	9	of	of	ADP
fbem-27700	355	10	financial	financial	ADJ
fbem-27700	355	11	literacy	literacy	NOUN
fbem-27700	355	12	.	.	PUNCT
fbem-27700	356	1	*	*	PUNCT
fbem-27700	356	2	economics	economic	NOUN
fbem-27700	356	3	bulletin	bulletin	PROPN
fbem-27700	356	4	*	*	NOUN
fbem-27700	356	5	,	,	PUNCT
fbem-27700	356	6	33(1	33(1	NUM
fbem-27700	356	7	)	)	PUNCT
fbem-27700	356	8	,	,	PUNCT
fbem-27700	356	9	179	179	NUM
fbem-27700	356	10	-	-	SYM
fbem-27700	356	11	191	191	NUM
fbem-27700	356	12	.	.	PUNCT
fbem-27700	357	1	[	[	X
fbem-27700	357	2	26	26	NUM
fbem-27700	357	3	]	]	X
fbem-27700	357	4	xu	xu	PROPN
fbem-27700	357	5	,	,	PUNCT
fbem-27700	357	6	y.	y.	PROPN
fbem-27700	357	7	,	,	PUNCT
fbem-27700	357	8	&	&	CCONJ
fbem-27700	357	9	zhang	zhang	PROPN
fbem-27700	357	10	,	,	PUNCT
fbem-27700	357	11	l.	l.	PROPN
fbem-27700	357	12	(	(	PUNCT
fbem-27700	357	13	2020	2020	NUM
fbem-27700	357	14	)	)	PUNCT
fbem-27700	357	15	.	.	PUNCT
fbem-27700	358	1	digital	digital	ADJ
fbem-27700	358	2	transformation	transformation	NOUN
fbem-27700	358	3	of	of	ADP
fbem-27700	358	4	agricultural	agricultural	ADJ
fbem-27700	358	5	supply	supply	NOUN
fbem-27700	358	6	chain	chain	NOUN
fbem-27700	358	7	finance	finance	NOUN
fbem-27700	358	8	:	:	PUNCT
fbem-27700	358	9	theory	theory	NOUN
fbem-27700	358	10	and	and	CCONJ
fbem-27700	358	11	case	case	NOUN
fbem-27700	358	12	studies	study	NOUN
fbem-27700	358	13	from	from	ADP
fbem-27700	358	14	china	china	PROPN
fbem-27700	358	15	.	.	PUNCT
fbem-27700	359	1	*	*	PUNCT
fbem-27700	359	2	agricultural	agricultural	ADJ
fbem-27700	359	3	economic	economic	ADJ
fbem-27700	359	4	issues	issue	NOUN
fbem-27700	359	5	*	*	PUNCT
fbem-27700	359	6	,	,	PUNCT
fbem-27700	359	7	2020(04	2020(04	NUM
fbem-27700	359	8	)	)	PUNCT
fbem-27700	359	9	,	,	PUNCT
fbem-27700	359	10	72	72	NUM
fbem-27700	359	11	-	-	SYM
fbem-27700	359	12	81	81	NUM
fbem-27700	359	13	.	.	PUNCT
fbem-27700	360	1	doi:10.13246	doi:10.13246	PROPN
fbem-27700	360	2	/	/	SYM
fbem-27700	360	3	j.cnki.iae.2020.04.009	j.cnki.iae.2020.04.009	X
fbem-27700	360	4	.	.	PUNCT
fbem-27700	361	1	[	[	X
fbem-27700	361	2	27	27	NUM
fbem-27700	361	3	]	]	SYM
fbem-27700	361	4	yin	yin	PROPN
fbem-27700	361	5	,	,	PUNCT
fbem-27700	361	6	h.	h.	PROPN
fbem-27700	361	7	,	,	PUNCT
fbem-27700	361	8	huo	huo	PROPN
fbem-27700	361	9	,	,	PUNCT
fbem-27700	361	10	p.	p.	PROPN
fbem-27700	361	11	,	,	PUNCT
fbem-27700	361	12	&	&	CCONJ
fbem-27700	361	13	wang	wang	PROPN
fbem-27700	361	14	,	,	PUNCT
fbem-27700	361	15	s.	s.	PROPN
fbem-27700	361	16	(	(	PUNCT
fbem-27700	361	17	2020	2020	NUM
fbem-27700	361	18	)	)	PUNCT
fbem-27700	361	19	.	.	PUNCT
fbem-27700	362	1	digital	digital	ADJ
fbem-27700	362	2	transformation	transformation	NOUN
fbem-27700	362	3	of	of	ADP
fbem-27700	362	4	agriculture	agriculture	NOUN
fbem-27700	362	5	and	and	CCONJ
fbem-27700	362	6	rural	rural	ADJ
fbem-27700	362	7	areas	area	NOUN
fbem-27700	362	8	:	:	PUNCT
fbem-27700	362	9	realistic	realistic	ADJ
fbem-27700	362	10	representation	representation	NOUN
fbem-27700	362	11	,	,	PUNCT
fbem-27700	362	12	mechanism	mechanism	NOUN
fbem-27700	362	13	analysis	analysis	NOUN
fbem-27700	362	14	,	,	PUNCT
fbem-27700	362	15	and	and	CCONJ
fbem-27700	362	16	promotion	promotion	NOUN
fbem-27700	362	17	strategies	strategy	NOUN
fbem-27700	362	18	.	.	PUNCT
fbem-27700	363	1	*	*	PUNCT
fbem-27700	363	2	reform	reform	NOUN
fbem-27700	363	3	*	*	NOUN
fbem-27700	363	4	,	,	PUNCT
fbem-27700	363	5	2020(12	2020(12	NUM
fbem-27700	363	6	)	)	PUNCT
fbem-27700	363	7	,	,	PUNCT
fbem-27700	363	8	48	48	NUM
fbem-27700	363	9	-	-	SYM
fbem-27700	363	10	56	56	NUM
fbem-27700	363	11	.	.	PUNCT
fbem-27700	364	1	[	[	X
fbem-27700	364	2	28	28	NUM
fbem-27700	364	3	]	]	X
fbem-27700	364	4	yu	yu	PROPN
fbem-27700	364	5	,	,	PUNCT
fbem-27700	364	6	y.	y.	PROPN
fbem-27700	364	7	,	,	PUNCT
fbem-27700	364	8	su	su	PROPN
fbem-27700	364	9	,	,	PUNCT
fbem-27700	364	10	h.	h.	PROPN
fbem-27700	364	11	,	,	PUNCT
fbem-27700	364	12	&	&	CCONJ
fbem-27700	364	13	li	li	PROPN
fbem-27700	364	14	,	,	PUNCT
fbem-27700	364	15	y.	y.	PROPN
fbem-27700	364	16	(	(	PUNCT
fbem-27700	364	17	2017	2017	NUM
fbem-27700	364	18	)	)	PUNCT
fbem-27700	364	19	.	.	PUNCT
fbem-27700	365	1	the	the	DET
fbem-27700	365	2	evolutionary	evolutionary	ADJ
fbem-27700	365	3	path	path	NOUN
fbem-27700	365	4	and	and	CCONJ
fbem-27700	365	5	mechanism	mechanism	NOUN
fbem-27700	365	6	of	of	ADP
fbem-27700	365	7	regional	regional	ADJ
fbem-27700	365	8	financial	financial	ADJ
fbem-27700	365	9	differences	difference	NOUN
fbem-27700	365	10	.	.	PUNCT
fbem-27700	366	1	*	*	PUNCT
fbem-27700	366	2	china	china	PROPN
fbem-27700	366	3	industrial	industrial	ADJ
fbem-27700	366	4	economy	economy	NOUN
fbem-27700	366	5	*	*	PUNCT
fbem-27700	366	6	,	,	PUNCT
fbem-27700	366	7	2017(04	2017(04	NUM
fbem-27700	366	8	)	)	PUNCT
fbem-27700	366	9	,	,	PUNCT
fbem-27700	366	10	74	74	NUM
fbem-27700	366	11	-	-	SYM
fbem-27700	366	12	93	93	NUM
fbem-27700	366	13	.	.	PUNCT
fbem-27700	367	1	doi:10.19581	doi:10.19581	PROPN
fbem-27700	367	2	/	/	SYM
fbem-27700	367	3	j.cnki.ciejournal.2017.04.005	j.cnki.ciejournal.2017.04.005	PROPN
fbem-27700	367	4	.	.	PUNCT
fbem-27700	368	1	[	[	X
fbem-27700	368	2	29	29	NUM
fbem-27700	368	3	]	]	X
fbem-27700	368	4	tang	tang	PROPN
fbem-27700	368	5	,	,	PUNCT
fbem-27700	368	6	w.	w.	NOUN
fbem-27700	368	7	(	(	PUNCT
fbem-27700	368	8	2022	2022	NUM
fbem-27700	368	9	)	)	PUNCT
fbem-27700	368	10	.	.	PUNCT
fbem-27700	369	1	digital	digital	ADJ
fbem-27700	369	2	technology	technology	NOUN
fbem-27700	369	3	drives	drive	VERB
fbem-27700	369	4	high	high	ADJ
fbem-27700	369	5	-	-	PUNCT
fbem-27700	369	6	quality	quality	NOUN
fbem-27700	369	7	development	development	NOUN
fbem-27700	369	8	in	in	ADP
fbem-27700	369	9	agriculture	agriculture	NOUN
fbem-27700	369	10	and	and	CCONJ
fbem-27700	369	11	rural	rural	ADJ
fbem-27700	369	12	areas	area	NOUN
fbem-27700	369	13	:	:	PUNCT
fbem-27700	369	14	theoretical	theoretical	ADJ
fbem-27700	369	15	explanation	explanation	NOUN
fbem-27700	369	16	and	and	CCONJ
fbem-27700	369	17	practical	practical	ADJ
fbem-27700	369	18	path	path	NOUN
fbem-27700	369	19	.	.	PUNCT
fbem-27700	370	1	*	*	PUNCT
fbem-27700	370	2	journal	journal	PROPN
fbem-27700	370	3	of	of	ADP
fbem-27700	370	4	nanjing	nanjing	PROPN
fbem-27700	370	5	agricultural	agricultural	PROPN
fbem-27700	370	6	university	university	PROPN
fbem-27700	370	7	(	(	PUNCT
fbem-27700	370	8	social	social	ADJ
fbem-27700	370	9	sciences	science	NOUN
fbem-27700	370	10	edition	edition	NOUN
fbem-27700	370	11	)	)	PUNCT
fbem-27700	370	12	*	*	PROPN
fbem-27700	370	13	,	,	PUNCT
fbem-27700	370	14	2022	2022	NUM
fbem-27700	370	15	,	,	PUNCT
fbem-27700	370	16	22(02	22(02	NUM
fbem-27700	370	17	)	)	PUNCT
fbem-27700	370	18	,	,	PUNCT
fbem-27700	370	19	1	1	NUM
fbem-27700	370	20	-	-	SYM
fbem-27700	370	21	9	9	NUM
fbem-27700	370	22	.	.	PUNCT
fbem-27700	370	23	doi:10.19714	doi:10.19714	PROPN
fbem-27700	370	24	/	/	SYM
fbem-27700	370	25	j.cnki.1671	j.cnki.1671	NOUN
fbem-27700	370	26	-	-	PUNCT
fbem-27700	370	27	7465.2022.0018	7465.2022.0018	NOUN
fbem-27700	370	28	.	.	PUNCT
fbem-27700	371	1	[	[	X
fbem-27700	371	2	30	30	NUM
fbem-27700	371	3	]	]	X
fbem-27700	371	4	zhao	zhao	X
fbem-27700	371	5	,	,	PUNCT
fbem-27700	371	6	t.	t.	PROPN
fbem-27700	371	7	,	,	PUNCT
fbem-27700	371	8	zhang	zhang	PROPN
fbem-27700	371	9	,	,	PUNCT
fbem-27700	371	10	z.	z.	PROPN
fbem-27700	371	11	,	,	PUNCT
fbem-27700	371	12	&	&	CCONJ
fbem-27700	371	13	liang	liang	PROPN
fbem-27700	371	14	,	,	PUNCT
fbem-27700	371	15	s.	s.	PROPN
fbem-27700	371	16	(	(	PUNCT
fbem-27700	371	17	2020	2020	NUM
fbem-27700	371	18	)	)	PUNCT
fbem-27700	371	19	.	.	PUNCT
fbem-27700	372	1	digital	digital	ADJ
fbem-27700	372	2	economy	economy	NOUN
fbem-27700	372	3	,	,	PUNCT
fbem-27700	372	4	entrepreneurial	entrepreneurial	ADJ
fbem-27700	372	5	activity	activity	NOUN
fbem-27700	372	6	,	,	PUNCT
fbem-27700	372	7	and	and	CCONJ
fbem-27700	372	8	high	high	ADJ
fbem-27700	372	9	-	-	PUNCT
fbem-27700	372	10	quality	quality	NOUN
fbem-27700	372	11	development	development	NOUN
fbem-27700	372	12	:	:	PUNCT
fbem-27700	372	13	empirical	empirical	ADJ
fbem-27700	372	14	evidence	evidence	NOUN
fbem-27700	372	15	from	from	ADP
fbem-27700	372	16	chinese	chinese	ADJ
fbem-27700	372	17	cities	city	NOUN
fbem-27700	372	18	.	.	PUNCT
fbem-27700	373	1	*	*	PUNCT
fbem-27700	373	2	management	management	NOUN
fbem-27700	373	3	world	world	NOUN
fbem-27700	373	4	*	*	SYM
fbem-27700	373	5	,	,	PUNCT
fbem-27700	373	6	2020	2020	NUM
fbem-27700	373	7	,	,	PUNCT
fbem-27700	373	8	36(10	36(10	NUM
fbem-27700	373	9	)	)	PUNCT
fbem-27700	373	10	,	,	PUNCT
fbem-27700	373	11	65	65	NUM
fbem-27700	373	12	-	-	SYM
fbem-27700	373	13	76	76	NUM
fbem-27700	373	14	.	.	PUNCT
fbem-27700	374	1	doi:10.19744	doi:10.19744	NOUN
fbem-27700	374	2	/	/	SYM
fbem-27700	374	3	j.cnki.111235	j.cnki.111235	PROPN
fbem-27700	374	4	/	/	SYM
fbem-27700	374	5	f.2020.0154	f.2020.0154	PROPN
fbem-27700	374	6	.	.	PUNCT
fbem-27700	375	1	[	[	X
fbem-27700	375	2	31	31	NUM
fbem-27700	375	3	]	]	SYM
fbem-27700	375	4	li	li	PROPN
fbem-27700	375	5	,	,	PUNCT
fbem-27700	375	6	y.	y.	PROPN
fbem-27700	375	7	,	,	PUNCT
fbem-27700	375	8	xu	xu	PROPN
fbem-27700	375	9	,	,	PUNCT
fbem-27700	375	10	s.	s.	PROPN
fbem-27700	375	11	,	,	PUNCT
fbem-27700	375	12	&	&	CCONJ
fbem-27700	375	13	bai	bai	PROPN
fbem-27700	375	14	,	,	PUNCT
fbem-27700	375	15	l.	l.	PROPN
fbem-27700	375	16	(	(	PUNCT
fbem-27700	375	17	2018	2018	NUM
fbem-27700	375	18	)	)	PUNCT
fbem-27700	375	19	.	.	PUNCT
fbem-27700	376	1	financial	financial	ADJ
fbem-27700	376	2	knowledge	knowledge	NOUN
fbem-27700	376	3	,	,	PUNCT
fbem-27700	376	4	overconfidence	overconfidence	NOUN
fbem-27700	376	5	,	,	PUNCT
fbem-27700	376	6	and	and	CCONJ
fbem-27700	376	7	financial	financial	ADJ
fbem-27700	376	8	behavior	behavior	NOUN
fbem-27700	376	9	.	.	PUNCT
fbem-27700	377	1	*	*	PUNCT
fbem-27700	377	2	macroeconomic	macroeconomic	ADJ
fbem-27700	377	3	research	research	NOUN
fbem-27700	377	4	*	*	NOUN
fbem-27700	377	5	,	,	PUNCT
fbem-27700	377	6	2018(03	2018(03	NUM
fbem-27700	377	7	)	)	PUNCT
fbem-27700	377	8	,	,	PUNCT
fbem-27700	377	9	33	33	NUM
fbem-27700	377	10	-	-	SYM
fbem-27700	377	11	47	47	NUM
fbem-27700	377	12	.	.	PUNCT
fbem-27700	378	1	doi:10.16304	doi:10.16304	PROPN
fbem-27700	378	2	/	/	SYM
fbem-27700	378	3	j.cnki.113952	j.cnki.113952	NOUN
fbem-27700	378	4	/	/	SYM
fbem-27700	378	5	f.2018.03.005	f.2018.03.005	NOUN
fbem-27700	378	6	.	.	PUNCT
fbem-27700	379	1	[	[	X
fbem-27700	379	2	32	32	NUM
fbem-27700	379	3	]	]	PUNCT
fbem-27700	379	4	he	he	PRON
fbem-27700	379	5	,	,	PUNCT
fbem-27700	379	6	g.	g.	PROPN
fbem-27700	379	7	,	,	PUNCT
fbem-27700	379	8	he	he	PRON
fbem-27700	379	9	,	,	PUNCT
fbem-27700	379	10	j.	j.	PROPN
fbem-27700	379	11	,	,	PUNCT
fbem-27700	379	12	&	&	CCONJ
fbem-27700	379	13	guo	guo	PROPN
fbem-27700	379	14	,	,	PUNCT
fbem-27700	379	15	p.	p.	NOUN
fbem-27700	379	16	(	(	PUNCT
fbem-27700	379	17	2018	2018	NUM
fbem-27700	379	18	)	)	PUNCT
fbem-27700	379	19	.	.	PUNCT
fbem-27700	380	1	re	re	VERB
fbem-27700	380	2	-	-	VERB
fbem-27700	380	3	examining	examine	VERB
fbem-27700	380	4	farmers	farmer	NOUN
fbem-27700	380	5	'	'	PART
fbem-27700	380	6	credit	credit	NOUN
fbem-27700	380	7	demand	demand	NOUN
fbem-27700	380	8	and	and	CCONJ
fbem-27700	380	9	its	its	PRON
fbem-27700	380	10	accessibility	accessibility	NOUN
fbem-27700	380	11	.	.	PUNCT
fbem-27700	381	1	*	*	PUNCT
fbem-27700	381	2	agricultural	agricultural	ADJ
fbem-27700	381	3	economic	economic	ADJ
fbem-27700	381	4	issues	issue	NOUN
fbem-27700	381	5	*	*	PUNCT
fbem-27700	381	6	,	,	PUNCT
fbem-27700	381	7	2018(02	2018(02	NUM
fbem-27700	381	8	)	)	PUNCT
fbem-27700	381	9	,	,	PUNCT
fbem-27700	381	10	38	38	NUM
fbem-27700	381	11	-	-	SYM
fbem-27700	381	12	49	49	NUM
fbem-27700	381	13	.	.	PUNCT
fbem-27700	382	1	doi:10.13246	doi:10.13246	PROPN
fbem-27700	382	2	/	/	SYM
fbem-27700	382	3	j.cnki.iae.2018.02.005	j.cnki.iae.2018.02.005	PROPN
fbem-27700	382	4	.	.	PUNCT
fbem-27700	383	1	[	[	X
fbem-27700	383	2	33	33	NUM
fbem-27700	383	3	]	]	X
fbem-27700	383	4	liu	liu	PROPN
fbem-27700	383	5	,	,	PUNCT
fbem-27700	383	6	x.	x.	PROPN
fbem-27700	383	7	,	,	PUNCT
fbem-27700	383	8	&	&	CCONJ
fbem-27700	383	9	cheng	cheng	PROPN
fbem-27700	383	10	,	,	PUNCT
fbem-27700	383	11	e.	e.	PROPN
fbem-27700	383	12	(	(	PUNCT
fbem-27700	383	13	2013	2013	NUM
fbem-27700	383	14	)	)	PUNCT
fbem-27700	383	15	.	.	PUNCT
fbem-27700	384	1	financing	financing	NOUN
fbem-27700	384	2	models	model	NOUN
fbem-27700	384	3	for	for	ADP
fbem-27700	384	4	agricultural	agricultural	ADJ
fbem-27700	384	5	industry	industry	NOUN
fbem-27700	384	6	chains	chain	NOUN
fbem-27700	384	7	in	in	ADP
fbem-27700	384	8	china	china	PROPN
fbem-27700	384	9	:	:	PUNCT
fbem-27700	384	10	typical	typical	ADJ
fbem-27700	384	11	cases	case	NOUN
fbem-27700	384	12	and	and	CCONJ
fbem-27700	384	13	theoretical	theoretical	ADJ
fbem-27700	384	14	implications	implication	NOUN
fbem-27700	384	15	.	.	PUNCT
fbem-27700	385	1	*	*	PUNCT
fbem-27700	385	2	financial	financial	ADJ
fbem-27700	385	3	and	and	CCONJ
fbem-27700	385	4	trade	trade	NOUN
fbem-27700	385	5	economics	economic	NOUN
fbem-27700	385	6	*	*	PUNCT
fbem-27700	385	7	,	,	PUNCT
fbem-27700	385	8	2013(08	2013(08	NUM
fbem-27700	385	9	)	)	PUNCT
fbem-27700	385	10	,	,	PUNCT
fbem-27700	385	11	4757	4757	NUM
fbem-27700	385	12	.	.	PUNCT
fbem-27700	386	1	doi:10.19795	doi:10.19795	AUX
fbem-27700	386	2	/	/	SYM
fbem-27700	386	3	j.cnki.cn11	j.cnki.cn11	PROPN
fbem-27700	386	4	-	-	PUNCT
fbem-27700	386	5	1166	1166	NUM
fbem-27700	386	6	/	/	SYM
fbem-27700	386	7	f.2013.08.005	f.2013.08.005	PROPN
fbem-27700	386	8	.	.	PUNCT
fbem-27700	387	1	[	[	X
fbem-27700	387	2	34	34	NUM
fbem-27700	387	3	]	]	X
fbem-27700	387	4	fan	fan	PROPN
fbem-27700	387	5	,	,	PUNCT
fbem-27700	387	6	l.	l.	PROPN
fbem-27700	387	7	(	(	PUNCT
fbem-27700	387	8	2010	2010	NUM
fbem-27700	387	9	)	)	PUNCT
fbem-27700	387	10	.	.	PUNCT
fbem-27700	388	1	financial	financial	ADJ
fbem-27700	388	2	support	support	NOUN
fbem-27700	388	3	for	for	ADP
fbem-27700	388	4	rural	rural	ADJ
fbem-27700	388	5	urbanization	urbanization	NOUN
fbem-27700	388	6	:	:	PUNCT
fbem-27700	388	7	reflections	reflection	NOUN
fbem-27700	388	8	.	.	PUNCT
fbem-27700	389	1	*	*	PUNCT
fbem-27700	389	2	urban	urban	PROPN
fbem-27700	389	3	development	development	PROPN
fbem-27700	389	4	research	research	PROPN
fbem-27700	389	5	*	*	SYM
fbem-27700	389	6	,	,	PUNCT
fbem-27700	389	7	2010	2010	NUM
fbem-27700	389	8	,	,	PUNCT
fbem-27700	389	9	17(07	17(07	NUM
fbem-27700	389	10	)	)	PUNCT
fbem-27700	389	11	,	,	PUNCT
fbem-27700	389	12	63	63	NUM
fbem-27700	389	13	-	-	SYM
fbem-27700	389	14	66	66	NUM
fbem-27700	389	15	+	+	NOUN
fbem-27700	389	16	72	72	NUM
fbem-27700	389	17	.	.	PUNCT
fbem-27700	390	1	[	[	X
fbem-27700	390	2	35	35	NUM
fbem-27700	390	3	]	]	X
fbem-27700	390	4	zhou	zhou	PROPN
fbem-27700	390	5	,	,	PUNCT
fbem-27700	390	6	l.	l.	PROPN
fbem-27700	390	7	,	,	PUNCT
fbem-27700	390	8	&	&	CCONJ
fbem-27700	390	9	cao	cao	PROPN
fbem-27700	390	10	,	,	PUNCT
fbem-27700	390	11	l.	l.	PROPN
fbem-27700	390	12	(	(	PUNCT
fbem-27700	390	13	2001	2001	NUM
fbem-27700	390	14	)	)	PUNCT
fbem-27700	390	15	.	.	PUNCT
fbem-27700	391	1	the	the	DET
fbem-27700	391	2	evolution	evolution	NOUN
fbem-27700	391	3	and	and	CCONJ
fbem-27700	391	4	innovation	innovation	NOUN
fbem-27700	391	5	of	of	ADP
fbem-27700	391	6	rural	rural	ADJ
fbem-27700	391	7	economic	economic	ADJ
fbem-27700	391	8	organizations	organization	NOUN
fbem-27700	391	9	:	:	PUNCT
fbem-27700	391	10	an	an	DET
fbem-27700	391	11	investigation	investigation	NOUN
fbem-27700	391	12	report	report	NOUN
fbem-27700	391	13	on	on	ADP
fbem-27700	391	14	agricultural	agricultural	ADJ
fbem-27700	391	15	industrialization	industrialization	NOUN
fbem-27700	391	16	in	in	ADP
fbem-27700	391	17	laiyang	laiyang	PROPN
fbem-27700	391	18	,	,	PUNCT
fbem-27700	391	19	shandong	shandong	PROPN
fbem-27700	391	20	province	province	PROPN
fbem-27700	391	21	.	.	PUNCT
fbem-27700	392	1	*	*	PUNCT
fbem-27700	392	2	economic	economic	ADJ
fbem-27700	392	3	research	research	NOUN
fbem-27700	392	4	*	*	SYM
fbem-27700	392	5	,	,	PUNCT
fbem-27700	392	6	2001(01	2001(01	NUM
fbem-27700	392	7	)	)	PUNCT
fbem-27700	392	8	,	,	PUNCT
fbem-27700	392	9	69	69	NUM
fbem-27700	392	10	-	-	SYM
fbem-27700	392	11	75	75	NUM
fbem-27700	392	12	+	+	NUM
fbem-27700	392	13	83	83	NUM
fbem-27700	392	14	-	-	SYM
fbem-27700	392	15	94	94	NUM
fbem-27700	392	16	.	.	PUNCT