id	sid	tid	token	lemma	pos
fbem-29331	1	1	frontiers	frontier	NOUN
fbem-29331	1	2	in	in	ADP
fbem-29331	1	3	business	business	NOUN
fbem-29331	1	4	,	,	PUNCT
fbem-29331	1	5	economics	economic	NOUN
fbem-29331	1	6	and	and	CCONJ
fbem-29331	1	7	management	management	NOUN
fbem-29331	1	8	issn	issn	PROPN
fbem-29331	1	9	:	:	PUNCT
fbem-29331	1	10	2766	2766	NUM
fbem-29331	1	11	-	-	PUNCT
fbem-29331	1	12	824x	824x	NUM
fbem-29331	1	13	|	|	ADJ
fbem-29331	1	14	vol	vol	NOUN
fbem-29331	1	15	.	.	PROPN
fbem-29331	1	16	18	18	NUM
fbem-29331	1	17	,	,	PUNCT
fbem-29331	1	18	no	no	INTJ
fbem-29331	1	19	.	.	NOUN
fbem-29331	1	20	1	1	NUM
fbem-29331	1	21	,	,	PUNCT
fbem-29331	1	22	2025	2025	NUM
fbem-29331	1	23	170	170	NUM
fbem-29331	2	1	the	the	DET
fbem-29331	2	2	two	two	NUM
fbem-29331	2	3	-	-	PUNCT
fbem-29331	2	4	sided	sided	ADJ
fbem-29331	2	5	impact	impact	NOUN
fbem-29331	2	6	of	of	ADP
fbem-29331	2	7	financial	financial	ADJ
fbem-29331	2	8	agglomeration	agglomeration	NOUN
fbem-29331	2	9	in	in	ADP
fbem-29331	2	10	the	the	DET
fbem-29331	2	11	context	context	NOUN
fbem-29331	2	12	of	of	ADP
fbem-29331	2	13	digital	digital	ADJ
fbem-29331	2	14	economy	economy	NOUN
fbem-29331	2	15	-a	-a	X
fbem-29331	2	16	comparative	comparative	ADJ
fbem-29331	2	17	analysis	analysis	NOUN
fbem-29331	2	18	based	base	VERB
fbem-29331	2	19	on	on	ADP
fbem-29331	2	20	traditional	traditional	ADJ
fbem-29331	2	21	finance	finance	NOUN
fbem-29331	2	22	and	and	CCONJ
fbem-29331	2	23	internet	internet	NOUN
fbem-29331	2	24	finance	finance	NOUN
fbem-29331	2	25	xiangyi	xiangyi	PROPN
fbem-29331	2	26	dai	dai	PROPN
fbem-29331	2	27	economics	economics	PROPN
fbem-29331	2	28	college	college	PROPN
fbem-29331	2	29	,	,	PUNCT
fbem-29331	2	30	xi'an	xi'an	PROPN
fbem-29331	2	31	university	university	PROPN
fbem-29331	2	32	of	of	ADP
fbem-29331	2	33	finance	finance	NOUN
fbem-29331	2	34	and	and	CCONJ
fbem-29331	2	35	economics	economic	NOUN
fbem-29331	2	36	,	,	PUNCT
fbem-29331	2	37	xi'an	xi'an	PROPN
fbem-29331	2	38	,	,	PUNCT
fbem-29331	2	39	710100	710100	NUM
fbem-29331	2	40	,	,	PUNCT
fbem-29331	2	41	china	china	PROPN
fbem-29331	2	42	dxy@xaufe.edu.cn	dxy@xaufe.edu.cn	PUNCT
fbem-29331	2	43	abstract	abstract	NOUN
fbem-29331	2	44	:	:	PUNCT
fbem-29331	2	45	with	with	ADP
fbem-29331	2	46	the	the	DET
fbem-29331	2	47	rapid	rapid	ADJ
fbem-29331	2	48	development	development	NOUN
fbem-29331	2	49	of	of	ADP
fbem-29331	2	50	information	information	NOUN
fbem-29331	2	51	technology	technology	NOUN
fbem-29331	2	52	,	,	PUNCT
fbem-29331	2	53	the	the	DET
fbem-29331	2	54	digital	digital	ADJ
fbem-29331	2	55	economy	economy	NOUN
fbem-29331	2	56	has	have	AUX
fbem-29331	2	57	become	become	VERB
fbem-29331	2	58	a	a	DET
fbem-29331	2	59	major	major	ADJ
fbem-29331	2	60	force	force	NOUN
fbem-29331	2	61	driving	drive	VERB
fbem-29331	2	62	global	global	ADJ
fbem-29331	2	63	economic	economic	ADJ
fbem-29331	2	64	growth	growth	NOUN
fbem-29331	2	65	.	.	PUNCT
fbem-29331	3	1	this	this	DET
fbem-29331	3	2	study	study	NOUN
fbem-29331	3	3	aims	aim	VERB
fbem-29331	3	4	to	to	PART
fbem-29331	3	5	investigate	investigate	VERB
fbem-29331	3	6	the	the	DET
fbem-29331	3	7	two	two	NUM
fbem-29331	3	8	-	-	PUNCT
fbem-29331	3	9	sided	sided	ADJ
fbem-29331	3	10	impact	impact	NOUN
fbem-29331	3	11	of	of	ADP
fbem-29331	3	12	financial	financial	ADJ
fbem-29331	3	13	agglomeration	agglomeration	NOUN
fbem-29331	3	14	on	on	ADP
fbem-29331	3	15	small	small	ADJ
fbem-29331	3	16	and	and	CCONJ
fbem-29331	3	17	medium	medium	ADJ
fbem-29331	3	18	enterprises	enterprise	NOUN
fbem-29331	3	19	within	within	ADP
fbem-29331	3	20	the	the	DET
fbem-29331	3	21	digital	digital	ADJ
fbem-29331	3	22	economy	economy	NOUN
fbem-29331	3	23	,	,	PUNCT
fbem-29331	3	24	especially	especially	ADV
fbem-29331	3	25	focusing	focus	VERB
fbem-29331	3	26	on	on	ADP
fbem-29331	3	27	the	the	DET
fbem-29331	3	28	distinctions	distinction	NOUN
fbem-29331	3	29	between	between	ADP
fbem-29331	3	30	traditional	traditional	ADJ
fbem-29331	3	31	finance	finance	NOUN
fbem-29331	3	32	and	and	CCONJ
fbem-29331	3	33	internet	internet	NOUN
fbem-29331	3	34	finance	finance	NOUN
fbem-29331	3	35	during	during	ADP
fbem-29331	3	36	this	this	DET
fbem-29331	3	37	phase	phase	NOUN
fbem-29331	3	38	.	.	PUNCT
fbem-29331	4	1	adopting	adopt	VERB
fbem-29331	4	2	methods	method	NOUN
fbem-29331	4	3	such	such	ADJ
fbem-29331	4	4	as	as	ADP
fbem-29331	4	5	literature	literature	NOUN
fbem-29331	4	6	review	review	PROPN
fbem-29331	4	7	,	,	PUNCT
fbem-29331	4	8	comparative	comparative	ADJ
fbem-29331	4	9	research	research	NOUN
fbem-29331	4	10	and	and	CCONJ
fbem-29331	4	11	experience	experience	NOUN
fbem-29331	4	12	summary	summary	NOUN
fbem-29331	4	13	to	to	PART
fbem-29331	4	14	systematically	systematically	ADV
fbem-29331	4	15	analyze	analyze	VERB
fbem-29331	4	16	the	the	DET
fbem-29331	4	17	theoretical	theoretical	ADJ
fbem-29331	4	18	framework	framework	NOUN
fbem-29331	4	19	of	of	ADP
fbem-29331	4	20	financial	financial	ADJ
fbem-29331	4	21	agglomeration	agglomeration	NOUN
fbem-29331	4	22	and	and	CCONJ
fbem-29331	4	23	its	its	PRON
fbem-29331	4	24	two	two	NUM
fbem-29331	4	25	-	-	PUNCT
fbem-29331	4	26	sided	sided	ADJ
fbem-29331	4	27	impact	impact	NOUN
fbem-29331	4	28	on	on	ADP
fbem-29331	4	29	small	small	ADJ
fbem-29331	4	30	and	and	CCONJ
fbem-29331	4	31	medium	medium	ADJ
fbem-29331	4	32	-	-	PUNCT
fbem-29331	4	33	sized	sized	ADJ
fbem-29331	4	34	enterprises	enterprise	NOUN
fbem-29331	4	35	.	.	PUNCT
fbem-29331	5	1	the	the	DET
fbem-29331	5	2	study	study	NOUN
fbem-29331	5	3	found	find	VERB
fbem-29331	5	4	that	that	SCONJ
fbem-29331	5	5	although	although	SCONJ
fbem-29331	5	6	both	both	DET
fbem-29331	5	7	forms	form	NOUN
fbem-29331	5	8	of	of	ADP
fbem-29331	5	9	finance	finance	NOUN
fbem-29331	5	10	can	can	AUX
fbem-29331	5	11	promote	promote	VERB
fbem-29331	5	12	the	the	DET
fbem-29331	5	13	development	development	NOUN
fbem-29331	5	14	of	of	ADP
fbem-29331	5	15	small	small	ADJ
fbem-29331	5	16	and	and	CCONJ
fbem-29331	5	17	medium	medium	ADJ
fbem-29331	5	18	enterprises	enterprise	NOUN
fbem-29331	5	19	through	through	ADP
fbem-29331	5	20	agglomeration	agglomeration	NOUN
fbem-29331	5	21	,	,	PUNCT
fbem-29331	5	22	internet	internet	NOUN
fbem-29331	5	23	finance	finance	NOUN
fbem-29331	5	24	has	have	VERB
fbem-29331	5	25	more	more	ADJ
fbem-29331	5	26	advantages	advantage	NOUN
fbem-29331	5	27	in	in	ADP
fbem-29331	5	28	innovation	innovation	NOUN
fbem-29331	5	29	and	and	CCONJ
fbem-29331	5	30	improving	improve	VERB
fbem-29331	5	31	the	the	DET
fbem-29331	5	32	popularity	popularity	NOUN
fbem-29331	5	33	rate	rate	NOUN
fbem-29331	5	34	of	of	ADP
fbem-29331	5	35	financial	financial	ADJ
fbem-29331	5	36	services	service	NOUN
fbem-29331	5	37	.	.	PUNCT
fbem-29331	6	1	in	in	ADP
fbem-29331	6	2	the	the	DET
fbem-29331	6	3	meantime	meantime	NOUN
fbem-29331	6	4	,	,	PUNCT
fbem-29331	6	5	traditional	traditional	ADJ
fbem-29331	6	6	finance	finance	NOUN
fbem-29331	6	7	and	and	CCONJ
fbem-29331	6	8	internet	internet	NOUN
fbem-29331	6	9	finance	finance	NOUN
fbem-29331	6	10	have	have	VERB
fbem-29331	6	11	different	different	ADJ
fbem-29331	6	12	emphases	emphasis	NOUN
fbem-29331	6	13	in	in	ADP
fbem-29331	6	14	serving	serve	VERB
fbem-29331	6	15	small	small	ADJ
fbem-29331	6	16	and	and	CCONJ
fbem-29331	6	17	medium	medium	ADJ
fbem-29331	6	18	enterprises	enterprise	NOUN
fbem-29331	6	19	,	,	PUNCT
fbem-29331	6	20	interdependent	interdependent	ADJ
fbem-29331	6	21	and	and	CCONJ
fbem-29331	6	22	competitive	competitive	ADJ
fbem-29331	6	23	,	,	PUNCT
fbem-29331	6	24	jointly	jointly	ADV
fbem-29331	6	25	shaping	shape	VERB
fbem-29331	6	26	the	the	DET
fbem-29331	6	27	pattern	pattern	NOUN
fbem-29331	6	28	of	of	ADP
fbem-29331	6	29	modern	modern	ADJ
fbem-29331	6	30	financial	financial	ADJ
fbem-29331	6	31	service	service	NOUN
fbem-29331	6	32	industry	industry	NOUN
fbem-29331	6	33	.	.	PUNCT
fbem-29331	7	1	keywords	keyword	NOUN
fbem-29331	7	2	:	:	PUNCT
fbem-29331	7	3	digital	digital	ADJ
fbem-29331	7	4	economy	economy	NOUN
fbem-29331	7	5	,	,	PUNCT
fbem-29331	7	6	financial	financial	ADJ
fbem-29331	7	7	agglomeration	agglomeration	NOUN
fbem-29331	7	8	,	,	PUNCT
fbem-29331	7	9	traditional	traditional	ADJ
fbem-29331	7	10	finance	finance	NOUN
fbem-29331	7	11	,	,	PUNCT
fbem-29331	7	12	internet	internet	NOUN
fbem-29331	7	13	finance	finance	NOUN
fbem-29331	7	14	.	.	PUNCT
fbem-29331	8	1	1	1	X
fbem-29331	8	2	.	.	X
fbem-29331	8	3	introduction	introduction	NOUN
fbem-29331	8	4	with	with	ADP
fbem-29331	8	5	the	the	DET
fbem-29331	8	6	the	the	DET
fbem-29331	8	7	popularization	popularization	NOUN
fbem-29331	8	8	of	of	ADP
fbem-29331	8	9	internet	internet	NOUN
fbem-29331	8	10	technology	technology	NOUN
fbem-29331	8	11	,	,	PUNCT
fbem-29331	8	12	the	the	DET
fbem-29331	8	13	digital	digital	ADJ
fbem-29331	8	14	economy	economy	NOUN
fbem-29331	8	15	is	be	AUX
fbem-29331	8	16	known	know	VERB
fbem-29331	8	17	as	as	ADP
fbem-29331	8	18	an	an	DET
fbem-29331	8	19	important	important	ADJ
fbem-29331	8	20	force	force	NOUN
fbem-29331	8	21	driving	drive	VERB
fbem-29331	8	22	global	global	ADJ
fbem-29331	8	23	economic	economic	ADJ
fbem-29331	8	24	growth	growth	NOUN
fbem-29331	8	25	,	,	PUNCT
fbem-29331	8	26	profoundly	profoundly	ADV
fbem-29331	8	27	changing	change	VERB
fbem-29331	8	28	the	the	DET
fbem-29331	8	29	operation	operation	NOUN
fbem-29331	8	30	mode	mode	NOUN
fbem-29331	8	31	of	of	ADP
fbem-29331	8	32	traditional	traditional	ADJ
fbem-29331	8	33	industries	industry	NOUN
fbem-29331	8	34	.	.	PUNCT
fbem-29331	9	1	among	among	ADP
fbem-29331	9	2	them	they	PRON
fbem-29331	9	3	,	,	PUNCT
fbem-29331	9	4	financial	financial	ADJ
fbem-29331	9	5	industry	industry	NOUN
fbem-29331	9	6	is	be	AUX
fbem-29331	9	7	a	a	DET
fbem-29331	9	8	vital	vital	ADJ
fbem-29331	9	9	of	of	ADP
fbem-29331	9	10	economic	economic	ADJ
fbem-29331	9	11	development	development	NOUN
fbem-29331	9	12	,	,	PUNCT
fbem-29331	9	13	and	and	CCONJ
fbem-29331	9	14	its	its	PRON
fbem-29331	9	15	agglomeration	agglomeration	NOUN
fbem-29331	9	16	phenomenon	phenomenon	NOUN
fbem-29331	9	17	has	have	AUX
fbem-29331	9	18	attracted	attract	VERB
fbem-29331	9	19	extensive	extensive	ADJ
fbem-29331	9	20	attention	attention	NOUN
fbem-29331	9	21	.	.	PUNCT
fbem-29331	10	1	the	the	DET
fbem-29331	10	2	influence	influence	NOUN
fbem-29331	10	3	of	of	ADP
fbem-29331	10	4	financial	financial	ADJ
fbem-29331	10	5	agglomeration	agglomeration	NOUN
fbem-29331	10	6	on	on	ADP
fbem-29331	10	7	economic	economic	ADJ
fbem-29331	10	8	development	development	NOUN
fbem-29331	10	9	is	be	AUX
fbem-29331	10	10	significant	significant	ADJ
fbem-29331	10	11	and	and	CCONJ
fbem-29331	10	12	double	double	ADJ
fbem-29331	10	13	faced	face	VERB
fbem-29331	10	14	.	.	PUNCT
fbem-29331	11	1	it	it	PRON
fbem-29331	11	2	optimizes	optimize	VERB
fbem-29331	11	3	resource	resource	NOUN
fbem-29331	11	4	allocation	allocation	NOUN
fbem-29331	11	5	and	and	CCONJ
fbem-29331	11	6	improves	improve	VERB
fbem-29331	11	7	service	service	NOUN
fbem-29331	11	8	efficiency	efficiency	NOUN
fbem-29331	11	9	.	.	PUNCT
fbem-29331	12	1	meanwhile	meanwhile	ADV
fbem-29331	12	2	,	,	PUNCT
fbem-29331	12	3	it	it	PRON
fbem-29331	12	4	is	be	AUX
fbem-29331	12	5	accompanied	accompany	VERB
fbem-29331	12	6	by	by	ADP
fbem-29331	12	7	problems	problem	NOUN
fbem-29331	12	8	such	such	ADJ
fbem-29331	12	9	as	as	ADP
fbem-29331	12	10	concentrated	concentrated	ADJ
fbem-29331	12	11	financial	financial	ADJ
fbem-29331	12	12	risks	risk	NOUN
fbem-29331	12	13	and	and	CCONJ
fbem-29331	12	14	unbalanced	unbalanced	ADJ
fbem-29331	12	15	services	service	NOUN
fbem-29331	12	16	.	.	PUNCT
fbem-29331	13	1	in	in	ADP
fbem-29331	13	2	this	this	DET
fbem-29331	13	3	context	context	NOUN
fbem-29331	13	4	,	,	PUNCT
fbem-29331	13	5	traditional	traditional	ADJ
fbem-29331	13	6	finance	finance	NOUN
fbem-29331	13	7	and	and	CCONJ
fbem-29331	13	8	internet	internet	NOUN
fbem-29331	13	9	finance	finance	NOUN
fbem-29331	13	10	show	show	VERB
fbem-29331	13	11	different	different	ADJ
fbem-29331	13	12	service	service	NOUN
fbem-29331	13	13	models	model	NOUN
fbem-29331	13	14	and	and	CCONJ
fbem-29331	13	15	effects	effect	NOUN
fbem-29331	13	16	when	when	SCONJ
fbem-29331	13	17	serving	serve	VERB
fbem-29331	13	18	small	small	ADJ
fbem-29331	13	19	and	and	CCONJ
fbem-29331	13	20	medium	medium	ADJ
fbem-29331	13	21	-	-	PUNCT
fbem-29331	13	22	sized	sized	ADJ
fbem-29331	13	23	enterprises	enterprise	NOUN
fbem-29331	13	24	.	.	PUNCT
fbem-29331	14	1	therefore	therefore	ADV
fbem-29331	14	2	,	,	PUNCT
fbem-29331	14	3	this	this	DET
fbem-29331	14	4	study	study	NOUN
fbem-29331	14	5	uses	use	VERB
fbem-29331	14	6	literature	literature	PROPN
fbem-29331	14	7	review	review	PROPN
fbem-29331	14	8	,	,	PUNCT
fbem-29331	14	9	comparative	comparative	ADJ
fbem-29331	14	10	study	study	NOUN
fbem-29331	14	11	and	and	CCONJ
fbem-29331	14	12	experience	experience	NOUN
fbem-29331	14	13	summary	summary	NOUN
fbem-29331	14	14	methods	method	NOUN
fbem-29331	14	15	to	to	PART
fbem-29331	14	16	explore	explore	VERB
fbem-29331	14	17	the	the	DET
fbem-29331	14	18	doubled	double	VERB
fbem-29331	14	19	impact	impact	NOUN
fbem-29331	14	20	of	of	ADP
fbem-29331	14	21	financial	financial	ADJ
fbem-29331	14	22	agglomeration	agglomeration	NOUN
fbem-29331	14	23	on	on	ADP
fbem-29331	14	24	small	small	ADJ
fbem-29331	14	25	and	and	CCONJ
fbem-29331	14	26	medium	medium	ADJ
fbem-29331	14	27	-	-	PUNCT
fbem-29331	14	28	sized	sized	ADJ
fbem-29331	14	29	enterprises	enterprise	NOUN
fbem-29331	14	30	in	in	ADP
fbem-29331	14	31	the	the	DET
fbem-29331	14	32	digital	digital	ADJ
fbem-29331	14	33	economy	economy	NOUN
fbem-29331	14	34	,	,	PUNCT
fbem-29331	14	35	and	and	CCONJ
fbem-29331	14	36	pays	pay	VERB
fbem-29331	14	37	special	special	ADJ
fbem-29331	14	38	attention	attention	NOUN
fbem-29331	14	39	to	to	ADP
fbem-29331	14	40	the	the	DET
fbem-29331	14	41	different	different	ADJ
fbem-29331	14	42	roles	role	NOUN
fbem-29331	14	43	of	of	ADP
fbem-29331	14	44	traditional	traditional	ADJ
fbem-29331	14	45	finance	finance	NOUN
fbem-29331	14	46	and	and	CCONJ
fbem-29331	14	47	internet	internet	NOUN
fbem-29331	14	48	finance	finance	NOUN
fbem-29331	14	49	in	in	ADP
fbem-29331	14	50	this	this	DET
fbem-29331	14	51	process	process	NOUN
fbem-29331	14	52	.	.	PUNCT
fbem-29331	15	1	it	it	PRON
fbem-29331	15	2	systematically	systematically	ADV
fbem-29331	15	3	compares	compare	VERB
fbem-29331	15	4	the	the	DET
fbem-29331	15	5	advantages	advantage	NOUN
fbem-29331	15	6	and	and	CCONJ
fbem-29331	15	7	limitations	limitation	NOUN
fbem-29331	15	8	of	of	ADP
fbem-29331	15	9	traditional	traditional	ADJ
fbem-29331	15	10	finance	finance	NOUN
fbem-29331	15	11	and	and	CCONJ
fbem-29331	15	12	internet	internet	NOUN
fbem-29331	15	13	finance	finance	NOUN
fbem-29331	15	14	in	in	ADP
fbem-29331	15	15	the	the	DET
fbem-29331	15	16	development	development	NOUN
fbem-29331	15	17	of	of	ADP
fbem-29331	15	18	small	small	ADJ
fbem-29331	15	19	and	and	CCONJ
fbem-29331	15	20	mediumsized	mediumsized	ADJ
fbem-29331	15	21	enterprises	enterprise	NOUN
fbem-29331	15	22	.	.	PUNCT
fbem-29331	16	1	and	and	CCONJ
fbem-29331	16	2	it	it	PRON
fbem-29331	16	3	has	have	VERB
fbem-29331	16	4	positive	positive	ADJ
fbem-29331	16	5	significance	significance	NOUN
fbem-29331	16	6	for	for	ADP
fbem-29331	16	7	managing	manage	VERB
fbem-29331	16	8	risks	risk	NOUN
fbem-29331	16	9	in	in	ADP
fbem-29331	16	10	financial	financial	ADJ
fbem-29331	16	11	markets	market	NOUN
fbem-29331	16	12	and	and	CCONJ
fbem-29331	16	13	ensuring	ensure	VERB
fbem-29331	16	14	the	the	DET
fbem-29331	16	15	stability	stability	NOUN
fbem-29331	16	16	and	and	CCONJ
fbem-29331	16	17	sustainability	sustainability	NOUN
fbem-29331	16	18	of	of	ADP
fbem-29331	16	19	the	the	DET
fbem-29331	16	20	financial	financial	ADJ
fbem-29331	16	21	market	market	NOUN
fbem-29331	16	22	.	.	PUNCT
fbem-29331	17	1	in	in	ADP
fbem-29331	17	2	the	the	DET
fbem-29331	17	3	new	new	ADJ
fbem-29331	17	4	era	era	NOUN
fbem-29331	17	5	,	,	PUNCT
fbem-29331	17	6	research	research	NOUN
fbem-29331	17	7	on	on	ADP
fbem-29331	17	8	financial	financial	ADJ
fbem-29331	17	9	agglomeration	agglomeration	NOUN
fbem-29331	17	10	mostly	mostly	ADV
fbem-29331	17	11	focuses	focus	VERB
fbem-29331	17	12	on	on	ADP
fbem-29331	17	13	promoting	promote	VERB
fbem-29331	17	14	green	green	ADJ
fbem-29331	17	15	development	development	NOUN
fbem-29331	17	16	through	through	ADP
fbem-29331	17	17	financial	financial	ADJ
fbem-29331	17	18	agglomeration	agglomeration	NOUN
fbem-29331	17	19	[	[	X
fbem-29331	17	20	1	1	NUM
fbem-29331	17	21	,	,	PUNCT
fbem-29331	17	22	2	2	NUM
fbem-29331	17	23	]	]	PUNCT
fbem-29331	17	24	,	,	PUNCT
fbem-29331	17	25	the	the	DET
fbem-29331	17	26	role	role	NOUN
fbem-29331	17	27	of	of	ADP
fbem-29331	17	28	industrial	industrial	ADJ
fbem-29331	17	29	agglomeration	agglomeration	NOUN
fbem-29331	17	30	in	in	ADP
fbem-29331	17	31	new	new	ADJ
fbem-29331	17	32	urbanization	urbanization	NOUN
fbem-29331	18	1	[	[	X
fbem-29331	18	2	3	3	NUM
fbem-29331	18	3	]	]	PUNCT
fbem-29331	18	4	,	,	PUNCT
fbem-29331	18	5	the	the	DET
fbem-29331	18	6	interconnection	interconnection	NOUN
fbem-29331	18	7	between	between	ADP
fbem-29331	18	8	the	the	DET
fbem-29331	18	9	big	big	ADJ
fbem-29331	18	10	data	datum	NOUN
fbem-29331	18	11	industry	industry	NOUN
fbem-29331	18	12	and	and	CCONJ
fbem-29331	18	13	financial	financial	ADJ
fbem-29331	18	14	clustering	clustering	NOUN
fbem-29331	18	15	[	[	X
fbem-29331	18	16	4	4	NUM
fbem-29331	18	17	]	]	PUNCT
fbem-29331	18	18	,	,	PUNCT
fbem-29331	18	19	and	and	CCONJ
fbem-29331	18	20	financial	financial	ADJ
fbem-29331	18	21	agglomeration	agglomeration	NOUN
fbem-29331	18	22	serving	serve	VERB
fbem-29331	18	23	comprehensive	comprehensive	ADJ
fbem-29331	18	24	rural	rural	ADJ
fbem-29331	18	25	revitalization	revitalization	NOUN
fbem-29331	19	1	[	[	X
fbem-29331	19	2	5	5	NUM
fbem-29331	19	3	]	]	PUNCT
fbem-29331	19	4	,	,	PUNCT
fbem-29331	19	5	and	and	CCONJ
fbem-29331	19	6	other	other	ADJ
fbem-29331	19	7	aspects	aspect	NOUN
fbem-29331	19	8	.	.	PUNCT
fbem-29331	20	1	in	in	ADP
fbem-29331	20	2	recent	recent	ADJ
fbem-29331	20	3	years	year	NOUN
fbem-29331	20	4	,	,	PUNCT
fbem-29331	20	5	research	research	NOUN
fbem-29331	20	6	on	on	ADP
fbem-29331	20	7	financial	financial	ADJ
fbem-29331	20	8	agglomeration	agglomeration	NOUN
fbem-29331	20	9	has	have	AUX
fbem-29331	20	10	begun	begin	VERB
fbem-29331	20	11	to	to	PART
fbem-29331	20	12	pay	pay	VERB
fbem-29331	20	13	attention	attention	NOUN
fbem-29331	20	14	to	to	ADP
fbem-29331	20	15	the	the	DET
fbem-29331	20	16	reshaping	reshaping	NOUN
fbem-29331	20	17	of	of	ADP
fbem-29331	20	18	traditional	traditional	ADJ
fbem-29331	20	19	financial	financial	ADJ
fbem-29331	20	20	aggregation	aggregation	NOUN
fbem-29331	20	21	patterns	pattern	NOUN
fbem-29331	20	22	by	by	ADP
fbem-29331	20	23	internet	internet	NOUN
fbem-29331	20	24	finance	finance	NOUN
fbem-29331	20	25	.	.	PUNCT
fbem-29331	21	1	compared	compare	VERB
fbem-29331	21	2	with	with	ADP
fbem-29331	21	3	foreign	foreign	ADJ
fbem-29331	21	4	research	research	NOUN
fbem-29331	21	5	,	,	PUNCT
fbem-29331	21	6	domestic	domestic	ADJ
fbem-29331	21	7	research	research	NOUN
fbem-29331	21	8	pays	pay	VERB
fbem-29331	21	9	more	more	ADJ
fbem-29331	21	10	attention	attention	NOUN
fbem-29331	21	11	to	to	ADP
fbem-29331	21	12	the	the	DET
fbem-29331	21	13	development	development	NOUN
fbem-29331	21	14	trend	trend	NOUN
fbem-29331	21	15	of	of	ADP
fbem-29331	21	16	internet	internet	NOUN
fbem-29331	21	17	finance	finance	NOUN
fbem-29331	21	18	itself	itself	PRON
fbem-29331	21	19	and	and	CCONJ
fbem-29331	21	20	its	its	PRON
fbem-29331	21	21	challenges	challenge	NOUN
fbem-29331	21	22	to	to	ADP
fbem-29331	21	23	the	the	DET
fbem-29331	21	24	traditional	traditional	ADJ
fbem-29331	21	25	financial	financial	ADJ
fbem-29331	21	26	industry	industry	NOUN
fbem-29331	21	27	.	.	PUNCT
fbem-29331	22	1	at	at	ADP
fbem-29331	22	2	present	present	ADJ
fbem-29331	22	3	,	,	PUNCT
fbem-29331	22	4	there	there	PRON
fbem-29331	22	5	are	be	VERB
fbem-29331	22	6	various	various	ADJ
fbem-29331	22	7	studies	study	NOUN
fbem-29331	22	8	at	at	ADP
fbem-29331	22	9	home	home	ADV
fbem-29331	22	10	and	and	CCONJ
fbem-29331	22	11	abroad	abroad	ADV
fbem-29331	22	12	on	on	ADP
fbem-29331	22	13	the	the	DET
fbem-29331	22	14	impact	impact	NOUN
fbem-29331	22	15	of	of	ADP
fbem-29331	22	16	financial	financial	ADJ
fbem-29331	22	17	agglomeration	agglomeration	NOUN
fbem-29331	22	18	.	.	PUNCT
fbem-29331	23	1	however	however	ADV
fbem-29331	23	2	,	,	PUNCT
fbem-29331	23	3	there	there	PRON
fbem-29331	23	4	are	be	VERB
fbem-29331	23	5	still	still	ADV
fbem-29331	23	6	some	some	DET
fbem-29331	23	7	gaps	gap	NOUN
fbem-29331	23	8	,	,	PUNCT
fbem-29331	23	9	especially	especially	ADV
fbem-29331	23	10	in	in	ADP
fbem-29331	23	11	the	the	DET
fbem-29331	23	12	context	context	NOUN
fbem-29331	23	13	of	of	ADP
fbem-29331	23	14	the	the	DET
fbem-29331	23	15	doubled	double	VERB
fbem-29331	23	16	impact	impact	NOUN
fbem-29331	23	17	of	of	ADP
fbem-29331	23	18	financial	financial	ADJ
fbem-29331	23	19	agglomeration	agglomeration	NOUN
fbem-29331	23	20	in	in	ADP
fbem-29331	23	21	the	the	DET
fbem-29331	23	22	digital	digital	ADJ
fbem-29331	23	23	economy	economy	NOUN
fbem-29331	23	24	,	,	PUNCT
fbem-29331	23	25	the	the	DET
fbem-29331	23	26	comparative	comparative	ADJ
fbem-29331	23	27	analysis	analysis	NOUN
fbem-29331	23	28	of	of	ADP
fbem-29331	23	29	traditional	traditional	ADJ
fbem-29331	23	30	finance	finance	NOUN
fbem-29331	23	31	and	and	CCONJ
fbem-29331	23	32	internet	internet	NOUN
fbem-29331	23	33	finance	finance	NOUN
fbem-29331	23	34	in	in	ADP
fbem-29331	23	35	serving	serve	VERB
fbem-29331	23	36	small	small	ADJ
fbem-29331	23	37	and	and	CCONJ
fbem-29331	23	38	medium	medium	ADJ
fbem-29331	23	39	-	-	PUNCT
fbem-29331	23	40	sized	sized	ADJ
fbem-29331	23	41	enterprises	enterprise	NOUN
fbem-29331	23	42	is	be	AUX
fbem-29331	23	43	still	still	ADV
fbem-29331	23	44	insufficient	insufficient	ADJ
fbem-29331	23	45	.	.	PUNCT
fbem-29331	24	1	this	this	DET
fbem-29331	24	2	study	study	NOUN
fbem-29331	24	3	aims	aim	VERB
fbem-29331	24	4	to	to	PART
fbem-29331	24	5	fill	fill	VERB
fbem-29331	24	6	this	this	DET
fbem-29331	24	7	gap	gap	NOUN
fbem-29331	24	8	and	and	CCONJ
fbem-29331	24	9	provide	provide	VERB
fbem-29331	24	10	a	a	DET
fbem-29331	24	11	new	new	ADJ
fbem-29331	24	12	perspective	perspective	NOUN
fbem-29331	24	13	for	for	ADP
fbem-29331	24	14	financial	financial	ADJ
fbem-29331	24	15	agglomeration	agglomeration	NOUN
fbem-29331	24	16	,	,	PUNCT
fbem-29331	24	17	exploring	explore	VERB
fbem-29331	24	18	the	the	DET
fbem-29331	24	19	dual	dual	ADJ
fbem-29331	24	20	roles	role	NOUN
fbem-29331	24	21	of	of	ADP
fbem-29331	24	22	traditional	traditional	ADJ
fbem-29331	24	23	finance	finance	NOUN
fbem-29331	24	24	and	and	CCONJ
fbem-29331	24	25	internet	internet	NOUN
fbem-29331	24	26	finance	finance	NOUN
fbem-29331	24	27	in	in	ADP
fbem-29331	24	28	the	the	DET
fbem-29331	24	29	development	development	NOUN
fbem-29331	24	30	of	of	ADP
fbem-29331	24	31	small	small	ADJ
fbem-29331	24	32	and	and	CCONJ
fbem-29331	24	33	medium	medium	ADJ
fbem-29331	24	34	enterprises	enterprise	NOUN
fbem-29331	24	35	and	and	CCONJ
fbem-29331	24	36	raise	raise	VERB
fbem-29331	24	37	policy	policy	NOUN
fbem-29331	24	38	recommendations	recommendation	NOUN
fbem-29331	24	39	.	.	PUNCT
fbem-29331	25	1	2	2	X
fbem-29331	25	2	.	.	X
fbem-29331	25	3	theoretical	theoretical	ADJ
fbem-29331	25	4	basis	basis	NOUN
fbem-29331	25	5	of	of	ADP
fbem-29331	25	6	financial	financial	ADJ
fbem-29331	25	7	agglomeration	agglomeration	NOUN
fbem-29331	25	8	2.1	2.1	NUM
fbem-29331	25	9	.	.	PUNCT
fbem-29331	26	1	definition	definition	NOUN
fbem-29331	26	2	and	and	CCONJ
fbem-29331	26	3	connotation	connotation	NOUN
fbem-29331	26	4	of	of	ADP
fbem-29331	26	5	financial	financial	ADJ
fbem-29331	26	6	agglomeration	agglomeration	NOUN
fbem-29331	26	7	financial	financial	ADJ
fbem-29331	26	8	agglomeration	agglomeration	NOUN
fbem-29331	26	9	refers	refer	VERB
fbem-29331	26	10	to	to	ADP
fbem-29331	26	11	the	the	DET
fbem-29331	26	12	phenomenon	phenomenon	NOUN
fbem-29331	26	13	of	of	ADP
fbem-29331	26	14	high	high	ADJ
fbem-29331	26	15	concentration	concentration	NOUN
fbem-29331	26	16	of	of	ADP
fbem-29331	26	17	financial	financial	ADJ
fbem-29331	26	18	resources	resource	NOUN
fbem-29331	26	19	.	.	PUNCT
fbem-29331	27	1	related	relate	VERB
fbem-29331	27	2	institutions	institution	NOUN
fbem-29331	27	3	and	and	CCONJ
fbem-29331	27	4	service	service	NOUN
fbem-29331	27	5	industries	industry	NOUN
fbem-29331	27	6	in	in	ADP
fbem-29331	27	7	a	a	DET
fbem-29331	27	8	specific	specific	ADJ
fbem-29331	27	9	geographical	geographical	ADJ
fbem-29331	27	10	area	area	NOUN
fbem-29331	27	11	(	(	PUNCT
fbem-29331	27	12	kindleberger	kindleberger	NOUN
fbem-29331	27	13	,	,	PUNCT
fbem-29331	27	14	1978	1978	NUM
fbem-29331	27	15	)	)	PUNCT
fbem-29331	27	16	.	.	PUNCT
fbem-29331	28	1	such	such	ADJ
fbem-29331	28	2	clustering	clustering	NOUN
fbem-29331	28	3	encompasses	encompass	VERB
fbem-29331	28	4	not	not	PART
fbem-29331	28	5	just	just	ADV
fbem-29331	28	6	the	the	DET
fbem-29331	28	7	tangible	tangible	ADJ
fbem-29331	28	8	consolidation	consolidation	NOUN
fbem-29331	28	9	of	of	ADP
fbem-29331	28	10	financial	financial	ADJ
fbem-29331	28	11	entities	entity	NOUN
fbem-29331	28	12	,	,	PUNCT
fbem-29331	28	13	but	but	CCONJ
fbem-29331	28	14	also	also	ADV
fbem-29331	28	15	the	the	DET
fbem-29331	28	16	consolidation	consolidation	NOUN
fbem-29331	28	17	of	of	ADP
fbem-29331	28	18	financial	financial	ADJ
fbem-29331	28	19	markets	market	NOUN
fbem-29331	28	20	,	,	PUNCT
fbem-29331	28	21	financial	financial	ADJ
fbem-29331	28	22	data	datum	NOUN
fbem-29331	28	23	,	,	PUNCT
fbem-29331	28	24	human	human	ADJ
fbem-29331	28	25	resources	resource	NOUN
fbem-29331	28	26	,	,	PUNCT
fbem-29331	28	27	among	among	ADP
fbem-29331	28	28	other	other	ADJ
fbem-29331	28	29	elements	element	NOUN
fbem-29331	28	30	.	.	PUNCT
fbem-29331	29	1	the	the	DET
fbem-29331	29	2	purpose	purpose	NOUN
fbem-29331	29	3	of	of	ADP
fbem-29331	29	4	financial	financial	ADJ
fbem-29331	29	5	agglomeration	agglomeration	NOUN
fbem-29331	29	6	is	be	AUX
fbem-29331	29	7	to	to	PART
fbem-29331	29	8	effectively	effectively	ADV
fbem-29331	29	9	promote	promote	VERB
fbem-29331	29	10	sustainable	sustainable	ADJ
fbem-29331	29	11	economic	economic	ADJ
fbem-29331	29	12	growth	growth	NOUN
fbem-29331	29	13	by	by	ADP
fbem-29331	29	14	optimizing	optimize	VERB
fbem-29331	29	15	the	the	DET
fbem-29331	29	16	allocation	allocation	NOUN
fbem-29331	29	17	of	of	ADP
fbem-29331	29	18	financial	financial	ADJ
fbem-29331	29	19	resources	resource	NOUN
fbem-29331	29	20	and	and	CCONJ
fbem-29331	29	21	improving	improve	VERB
fbem-29331	29	22	financial	financial	ADJ
fbem-29331	29	23	service	service	NOUN
fbem-29331	29	24	efficiency	efficiency	NOUN
fbem-29331	29	25	.	.	PUNCT
fbem-29331	30	1	2.2	2.2	NUM
fbem-29331	30	2	.	.	PUNCT
fbem-29331	31	1	development	development	NOUN
fbem-29331	31	2	history	history	NOUN
fbem-29331	31	3	of	of	ADP
fbem-29331	31	4	financial	financial	ADJ
fbem-29331	31	5	agglomeration	agglomeration	NOUN
fbem-29331	31	6	with	with	ADP
fbem-29331	31	7	three	three	NUM
fbem-29331	31	8	theories	theory	NOUN
fbem-29331	31	9	the	the	DET
fbem-29331	31	10	development	development	NOUN
fbem-29331	31	11	history	history	NOUN
fbem-29331	31	12	of	of	ADP
fbem-29331	31	13	financial	financial	ADJ
fbem-29331	31	14	agglomeration	agglomeration	NOUN
fbem-29331	31	15	is	be	AUX
fbem-29331	31	16	closely	closely	ADV
fbem-29331	31	17	related	relate	VERB
fbem-29331	31	18	to	to	ADP
fbem-29331	31	19	location	location	NOUN
fbem-29331	31	20	theory	theory	NOUN
fbem-29331	31	21	,	,	PUNCT
fbem-29331	31	22	neoclassical	neoclassical	ADJ
fbem-29331	31	23	economic	economic	ADJ
fbem-29331	31	24	growth	growth	NOUN
fbem-29331	31	25	theory	theory	NOUN
fbem-29331	31	26	and	and	CCONJ
fbem-29331	31	27	endogenous	endogenous	ADJ
fbem-29331	31	28	economic	economic	ADJ
fbem-29331	31	29	growth	growth	NOUN
fbem-29331	31	30	theory	theory	NOUN
fbem-29331	31	31	.	.	PUNCT
fbem-29331	32	1	the	the	DET
fbem-29331	32	2	concept	concept	NOUN
fbem-29331	32	3	of	of	ADP
fbem-29331	32	4	financial	financial	ADJ
fbem-29331	32	5	agglomeration	agglomeration	NOUN
fbem-29331	32	6	originated	originate	VERB
fbem-29331	32	7	from	from	ADP
fbem-29331	32	8	location	location	NOUN
fbem-29331	32	9	171	171	NUM
fbem-29331	32	10	theory	theory	NOUN
fbem-29331	32	11	at	at	ADP
fbem-29331	32	12	the	the	DET
fbem-29331	32	13	earliest	early	ADJ
fbem-29331	32	14	while	while	SCONJ
fbem-29331	32	15	the	the	DET
fbem-29331	32	16	location	location	NOUN
fbem-29331	32	17	choice	choice	NOUN
fbem-29331	32	18	of	of	ADP
fbem-29331	32	19	financial	financial	ADJ
fbem-29331	32	20	institutions	institution	NOUN
fbem-29331	32	21	is	be	AUX
fbem-29331	32	22	the	the	DET
fbem-29331	32	23	micro	micro	PROPN
fbem-29331	32	24	foundation	foundation	NOUN
fbem-29331	32	25	and	and	CCONJ
fbem-29331	32	26	necessary	necessary	ADJ
fbem-29331	32	27	condition	condition	NOUN
fbem-29331	32	28	of	of	ADP
fbem-29331	32	29	financial	financial	ADJ
fbem-29331	32	30	agglomeration	agglomeration	NOUN
fbem-29331	33	1	[	[	X
fbem-29331	33	2	6	6	NUM
fbem-29331	33	3	]	]	PUNCT
fbem-29331	33	4	.	.	PUNCT
fbem-29331	34	1	then	then	ADV
fbem-29331	34	2	this	this	DET
fbem-29331	34	3	financial	financial	ADJ
fbem-29331	34	4	agglomeration	agglomeration	NOUN
fbem-29331	34	5	developed	develop	VERB
fbem-29331	34	6	with	with	ADP
fbem-29331	34	7	neoclassical	neoclassical	ADJ
fbem-29331	34	8	economic	economic	ADJ
fbem-29331	34	9	growth	growth	NOUN
fbem-29331	34	10	theory	theory	NOUN
fbem-29331	34	11	and	and	CCONJ
fbem-29331	34	12	endogenous	endogenous	ADJ
fbem-29331	34	13	economic	economic	ADJ
fbem-29331	34	14	growth	growth	NOUN
fbem-29331	34	15	theory	theory	NOUN
fbem-29331	34	16	.	.	PUNCT
fbem-29331	35	1	these	these	DET
fbem-29331	35	2	three	three	NUM
fbem-29331	35	3	theories	theory	NOUN
fbem-29331	35	4	together	together	ADV
fbem-29331	35	5	constitute	constitute	VERB
fbem-29331	35	6	a	a	DET
fbem-29331	35	7	comprehensive	comprehensive	ADJ
fbem-29331	35	8	framework	framework	NOUN
fbem-29331	35	9	for	for	ADP
fbem-29331	35	10	analyzing	analyze	VERB
fbem-29331	35	11	the	the	DET
fbem-29331	35	12	impact	impact	NOUN
fbem-29331	35	13	of	of	ADP
fbem-29331	35	14	financial	financial	ADJ
fbem-29331	35	15	agglomeration	agglomeration	NOUN
fbem-29331	35	16	and	and	CCONJ
fbem-29331	35	17	gradually	gradually	ADV
fbem-29331	35	18	formed	form	VERB
fbem-29331	35	19	its	its	PRON
fbem-29331	35	20	current	current	ADJ
fbem-29331	35	21	meaning	meaning	NOUN
fbem-29331	35	22	with	with	ADP
fbem-29331	35	23	the	the	DET
fbem-29331	35	24	development	development	NOUN
fbem-29331	35	25	of	of	ADP
fbem-29331	35	26	economy	economy	NOUN
fbem-29331	35	27	and	and	CCONJ
fbem-29331	35	28	the	the	DET
fbem-29331	35	29	evolution	evolution	NOUN
fbem-29331	35	30	of	of	ADP
fbem-29331	35	31	financial	financial	ADJ
fbem-29331	35	32	market	market	NOUN
fbem-29331	35	33	.	.	PUNCT
fbem-29331	36	1	from	from	ADP
fbem-29331	36	2	the	the	DET
fbem-29331	36	3	simple	simple	ADJ
fbem-29331	36	4	concentration	concentration	NOUN
fbem-29331	36	5	of	of	ADP
fbem-29331	36	6	banks	bank	NOUN
fbem-29331	36	7	and	and	CCONJ
fbem-29331	36	8	insurance	insurance	NOUN
fbem-29331	36	9	companies	company	NOUN
fbem-29331	36	10	at	at	ADP
fbem-29331	36	11	the	the	DET
fbem-29331	36	12	beginning	beginning	NOUN
fbem-29331	36	13	to	to	ADP
fbem-29331	36	14	the	the	DET
fbem-29331	36	15	formation	formation	NOUN
fbem-29331	36	16	of	of	ADP
fbem-29331	36	17	comprehensive	comprehensive	ADJ
fbem-29331	36	18	financial	financial	ADJ
fbem-29331	36	19	agglomeration	agglomeration	NOUN
fbem-29331	36	20	service	service	NOUN
fbem-29331	36	21	clusters	cluster	NOUN
fbem-29331	36	22	now	now	ADV
fbem-29331	36	23	,	,	PUNCT
fbem-29331	36	24	financial	financial	ADJ
fbem-29331	36	25	agglomeration	agglomeration	NOUN
fbem-29331	36	26	has	have	AUX
fbem-29331	36	27	experienced	experience	VERB
fbem-29331	36	28	an	an	DET
fbem-29331	36	29	expansion	expansion	NOUN
fbem-29331	36	30	process	process	NOUN
fbem-29331	36	31	from	from	ADP
fbem-29331	36	32	single	single	ADJ
fbem-29331	36	33	to	to	ADP
fbem-29331	36	34	multiple	multiple	ADJ
fbem-29331	36	35	,	,	PUNCT
fbem-29331	36	36	from	from	ADP
fbem-29331	36	37	local	local	ADJ
fbem-29331	36	38	to	to	ADP
fbem-29331	36	39	global	global	ADJ
fbem-29331	36	40	.	.	PUNCT
fbem-29331	37	1	judging	judge	VERB
fbem-29331	37	2	from	from	ADP
fbem-29331	37	3	the	the	DET
fbem-29331	37	4	development	development	NOUN
fbem-29331	37	5	and	and	CCONJ
fbem-29331	37	6	evolution	evolution	NOUN
fbem-29331	37	7	path	path	NOUN
fbem-29331	37	8	,	,	PUNCT
fbem-29331	37	9	the	the	DET
fbem-29331	37	10	spontaneous	spontaneous	ADJ
fbem-29331	37	11	formation	formation	NOUN
fbem-29331	37	12	of	of	ADP
fbem-29331	37	13	financial	financial	ADJ
fbem-29331	37	14	industry	industry	NOUN
fbem-29331	37	15	agglomeration	agglomeration	NOUN
fbem-29331	37	16	in	in	ADP
fbem-29331	37	17	the	the	DET
fbem-29331	37	18	market	market	NOUN
fbem-29331	37	19	follows	follow	VERB
fbem-29331	37	20	the	the	DET
fbem-29331	37	21	development	development	NOUN
fbem-29331	37	22	path	path	NOUN
fbem-29331	37	23	of	of	ADP
fbem-29331	37	24	"	"	PUNCT
fbem-29331	37	25	economic	economic	ADJ
fbem-29331	37	26	and	and	CCONJ
fbem-29331	37	27	trade	trade	NOUN
fbem-29331	37	28	growth	growth	NOUN
fbem-29331	37	29	financial	financial	ADJ
fbem-29331	37	30	market	market	NOUN
fbem-29331	37	31	development	development	NOUN
fbem-29331	37	32	financial	financial	ADJ
fbem-29331	37	33	system	system	NOUN
fbem-29331	37	34	improvement	improvement	NOUN
fbem-29331	37	35	financial	financial	ADJ
fbem-29331	37	36	institution	institution	NOUN
fbem-29331	37	37	agglomeration	agglomeration	NOUN
fbem-29331	37	38	financial	financial	ADJ
fbem-29331	37	39	industry	industry	NOUN
fbem-29331	37	40	agglomeration	agglomeration	NOUN
fbem-29331	37	41	"	"	PUNCT
fbem-29331	37	42	;	;	PUNCT
fbem-29331	37	43	the	the	DET
fbem-29331	37	44	government	government	NOUN
fbem-29331	37	45	-	-	PUNCT
fbem-29331	37	46	led	lead	VERB
fbem-29331	37	47	financial	financial	ADJ
fbem-29331	37	48	industry	industry	NOUN
fbem-29331	37	49	agglomeration	agglomeration	NOUN
fbem-29331	37	50	presents	present	VERB
fbem-29331	37	51	the	the	DET
fbem-29331	37	52	path	path	NOUN
fbem-29331	37	53	of	of	ADP
fbem-29331	37	54	"	"	PUNCT
fbem-29331	37	55	institutional	institutional	ADJ
fbem-29331	37	56	and	and	CCONJ
fbem-29331	37	57	policy	policy	NOUN
fbem-29331	37	58	supply	supply	NOUN
fbem-29331	37	59	financial	financial	ADJ
fbem-29331	37	60	market	market	NOUN
fbem-29331	37	61	development	development	NOUN
fbem-29331	37	62	financial	financial	ADJ
fbem-29331	37	63	institution	institution	NOUN
fbem-29331	37	64	agglomeration	agglomeration	NOUN
fbem-29331	37	65	"	"	PUNCT
fbem-29331	38	1	[	[	X
fbem-29331	38	2	7	7	NUM
fbem-29331	38	3	]	]	PUNCT
fbem-29331	38	4	.	.	PUNCT
fbem-29331	39	1	3	3	X
fbem-29331	39	2	.	.	X
fbem-29331	39	3	analysis	analysis	NOUN
fbem-29331	39	4	of	of	ADP
fbem-29331	39	5	the	the	DET
fbem-29331	39	6	current	current	ADJ
fbem-29331	39	7	situation	situation	NOUN
fbem-29331	39	8	of	of	ADP
fbem-29331	39	9	financial	financial	ADJ
fbem-29331	39	10	agglomeration	agglomeration	NOUN
fbem-29331	39	11	in	in	ADP
fbem-29331	39	12	the	the	DET
fbem-29331	39	13	digital	digital	ADJ
fbem-29331	39	14	economy	economy	NOUN
fbem-29331	39	15	era	era	NOUN
fbem-29331	39	16	3.1	3.1	NUM
fbem-29331	39	17	.	.	PUNCT
fbem-29331	40	1	characteristics	characteristic	NOUN
fbem-29331	40	2	and	and	CCONJ
fbem-29331	40	3	development	development	NOUN
fbem-29331	40	4	trends	trend	NOUN
fbem-29331	40	5	of	of	ADP
fbem-29331	40	6	the	the	DET
fbem-29331	40	7	digital	digital	ADJ
fbem-29331	40	8	economy	economy	NOUN
fbem-29331	40	9	3.1.1	3.1.1	NOUN
fbem-29331	40	10	.	.	PUNCT
fbem-29331	41	1	definition	definition	NOUN
fbem-29331	41	2	and	and	CCONJ
fbem-29331	41	3	connotation	connotation	NOUN
fbem-29331	41	4	of	of	ADP
fbem-29331	41	5	the	the	DET
fbem-29331	41	6	digital	digital	ADJ
fbem-29331	41	7	economy	economy	NOUN
fbem-29331	41	8	the	the	DET
fbem-29331	41	9	digital	digital	ADJ
fbem-29331	41	10	economy	economy	NOUN
fbem-29331	41	11	is	be	AUX
fbem-29331	41	12	a	a	DET
fbem-29331	41	13	new	new	ADJ
fbem-29331	41	14	economic	economic	ADJ
fbem-29331	41	15	model	model	NOUN
fbem-29331	41	16	that	that	PRON
fbem-29331	41	17	uses	use	VERB
fbem-29331	41	18	digital	digital	ADJ
fbem-29331	41	19	knowledge	knowledge	NOUN
fbem-29331	41	20	and	and	CCONJ
fbem-29331	41	21	information	information	NOUN
fbem-29331	41	22	as	as	ADP
fbem-29331	41	23	the	the	DET
fbem-29331	41	24	core	core	NOUN
fbem-29331	41	25	production	production	NOUN
fbem-29331	41	26	factors	factor	NOUN
fbem-29331	41	27	and	and	CCONJ
fbem-29331	41	28	modern	modern	ADJ
fbem-29331	41	29	information	information	NOUN
fbem-29331	41	30	networks	network	NOUN
fbem-29331	41	31	as	as	ADP
fbem-29331	41	32	the	the	DET
fbem-29331	41	33	main	main	ADJ
fbem-29331	41	34	carrier	carrier	NOUN
fbem-29331	41	35	.	.	PUNCT
fbem-29331	42	1	it	it	PRON
fbem-29331	42	2	uses	use	VERB
fbem-29331	42	3	effective	effective	ADJ
fbem-29331	42	4	information	information	NOUN
fbem-29331	42	5	and	and	CCONJ
fbem-29331	42	6	communication	communication	NOUN
fbem-29331	42	7	technology	technology	NOUN
fbem-29331	42	8	to	to	PART
fbem-29331	42	9	improve	improve	VERB
fbem-29331	42	10	work	work	NOUN
fbem-29331	42	11	efficiency	efficiency	NOUN
fbem-29331	42	12	and	and	CCONJ
fbem-29331	42	13	optimize	optimize	VERB
fbem-29331	42	14	economic	economic	ADJ
fbem-29331	42	15	structure	structure	NOUN
fbem-29331	42	16	.	.	PUNCT
fbem-29331	43	1	the	the	DET
fbem-29331	43	2	core	core	NOUN
fbem-29331	43	3	of	of	ADP
fbem-29331	43	4	the	the	DET
fbem-29331	43	5	digital	digital	ADJ
fbem-29331	43	6	economy	economy	NOUN
fbem-29331	43	7	is	be	AUX
fbem-29331	43	8	to	to	PART
fbem-29331	43	9	use	use	VERB
fbem-29331	43	10	technological	technological	ADJ
fbem-29331	43	11	innovation	innovation	NOUN
fbem-29331	43	12	like	like	ADP
fbem-29331	43	13	big	big	ADJ
fbem-29331	43	14	data	datum	NOUN
fbem-29331	43	15	,	,	PUNCT
fbem-29331	43	16	cloud	cloud	NOUN
fbem-29331	43	17	computing	computing	NOUN
fbem-29331	43	18	to	to	PART
fbem-29331	43	19	improve	improve	VERB
fbem-29331	43	20	production	production	NOUN
fbem-29331	43	21	efficiency	efficiency	NOUN
fbem-29331	43	22	,	,	PUNCT
fbem-29331	43	23	promoting	promote	VERB
fbem-29331	43	24	the	the	DET
fbem-29331	43	25	transformation	transformation	NOUN
fbem-29331	43	26	and	and	CCONJ
fbem-29331	43	27	upgrading	upgrading	NOUN
fbem-29331	43	28	of	of	ADP
fbem-29331	43	29	the	the	DET
fbem-29331	43	30	economic	economic	ADJ
fbem-29331	43	31	structure	structure	NOUN
fbem-29331	43	32	and	and	CCONJ
fbem-29331	43	33	adding	add	VERB
fbem-29331	43	34	new	new	ADJ
fbem-29331	43	35	development	development	NOUN
fbem-29331	43	36	impetus	impetus	NOUN
fbem-29331	43	37	into	into	ADP
fbem-29331	43	38	the	the	DET
fbem-29331	43	39	economy	economy	NOUN
fbem-29331	43	40	in	in	ADP
fbem-29331	43	41	this	this	DET
fbem-29331	43	42	process	process	NOUN
fbem-29331	43	43	.	.	PUNCT
fbem-29331	44	1	3.1.2	3.1.2	X
fbem-29331	44	2	.	.	PUNCT
fbem-29331	45	1	impact	impact	NOUN
fbem-29331	45	2	of	of	ADP
fbem-29331	45	3	the	the	DET
fbem-29331	45	4	digital	digital	ADJ
fbem-29331	45	5	economy	economy	NOUN
fbem-29331	45	6	on	on	ADP
fbem-29331	45	7	financial	financial	ADJ
fbem-29331	45	8	agglomeration	agglomeration	NOUN
fbem-29331	45	9	the	the	DET
fbem-29331	45	10	digital	digital	ADJ
fbem-29331	45	11	economy	economy	NOUN
fbem-29331	45	12	has	have	AUX
fbem-29331	45	13	brought	bring	VERB
fbem-29331	45	14	many	many	ADJ
fbem-29331	45	15	impacts	impact	NOUN
fbem-29331	45	16	on	on	ADP
fbem-29331	45	17	financial	financial	ADJ
fbem-29331	45	18	agglomeration	agglomeration	NOUN
fbem-29331	45	19	.	.	PUNCT
fbem-29331	46	1	the	the	DET
fbem-29331	46	2	progress	progress	NOUN
fbem-29331	46	3	of	of	ADP
fbem-29331	46	4	digital	digital	ADJ
fbem-29331	46	5	technology	technology	NOUN
fbem-29331	46	6	has	have	AUX
fbem-29331	46	7	slowed	slow	VERB
fbem-29331	46	8	down	down	ADP
fbem-29331	46	9	the	the	DET
fbem-29331	46	10	growth	growth	NOUN
fbem-29331	46	11	of	of	ADP
fbem-29331	46	12	marginal	marginal	ADJ
fbem-29331	46	13	cost	cost	NOUN
fbem-29331	46	14	of	of	ADP
fbem-29331	46	15	financial	financial	ADJ
fbem-29331	46	16	services	service	NOUN
fbem-29331	46	17	to	to	ADP
fbem-29331	46	18	a	a	DET
fbem-29331	46	19	certain	certain	ADJ
fbem-29331	46	20	extent	extent	NOUN
fbem-29331	46	21	,	,	PUNCT
fbem-29331	46	22	enabling	enable	VERB
fbem-29331	46	23	various	various	ADJ
fbem-29331	46	24	financial	financial	ADJ
fbem-29331	46	25	entities	entity	NOUN
fbem-29331	46	26	to	to	PART
fbem-29331	46	27	use	use	VERB
fbem-29331	46	28	their	their	PRON
fbem-29331	46	29	service	service	NOUN
fbem-29331	46	30	networks	network	NOUN
fbem-29331	46	31	more	more	ADV
fbem-29331	46	32	widely	widely	ADV
fbem-29331	46	33	,	,	PUNCT
fbem-29331	46	34	thus	thus	ADV
fbem-29331	46	35	further	far	ADV
fbem-29331	46	36	dispersing	disperse	VERB
fbem-29331	46	37	traditional	traditional	ADJ
fbem-29331	46	38	financial	financial	ADJ
fbem-29331	46	39	agglomeration	agglomeration	NOUN
fbem-29331	46	40	.	.	PUNCT
fbem-29331	47	1	from	from	ADP
fbem-29331	47	2	another	another	DET
fbem-29331	47	3	perspective	perspective	NOUN
fbem-29331	47	4	,	,	PUNCT
fbem-29331	47	5	digital	digital	ADJ
fbem-29331	47	6	economy	economy	NOUN
fbem-29331	47	7	has	have	AUX
fbem-29331	47	8	given	give	VERB
fbem-29331	47	9	birth	birth	NOUN
fbem-29331	47	10	to	to	ADP
fbem-29331	47	11	new	new	ADJ
fbem-29331	47	12	financial	financial	ADJ
fbem-29331	47	13	service	service	NOUN
fbem-29331	47	14	models	model	NOUN
fbem-29331	47	15	such	such	ADJ
fbem-29331	47	16	as	as	ADP
fbem-29331	47	17	internet	internet	NOUN
fbem-29331	47	18	financial	financial	ADJ
fbem-29331	47	19	platforms	platform	NOUN
fbem-29331	47	20	[	[	X
fbem-29331	47	21	8	8	NUM
fbem-29331	47	22	]	]	PUNCT
fbem-29331	47	23	.	.	PUNCT
fbem-29331	48	1	most	most	ADJ
fbem-29331	48	2	of	of	ADP
fbem-29331	48	3	these	these	DET
fbem-29331	48	4	platforms	platform	NOUN
fbem-29331	48	5	tend	tend	VERB
fbem-29331	48	6	to	to	PART
fbem-29331	48	7	gather	gather	VERB
fbem-29331	48	8	in	in	ADP
fbem-29331	48	9	cities	city	NOUN
fbem-29331	48	10	or	or	CCONJ
fbem-29331	48	11	regions	region	NOUN
fbem-29331	48	12	with	with	ADP
fbem-29331	48	13	advanced	advanced	ADJ
fbem-29331	48	14	technology	technology	NOUN
fbem-29331	48	15	and	and	CCONJ
fbem-29331	48	16	dense	dense	ADJ
fbem-29331	48	17	talents	talent	NOUN
fbem-29331	48	18	,	,	PUNCT
fbem-29331	48	19	thus	thus	ADV
fbem-29331	48	20	shaping	shape	VERB
fbem-29331	48	21	new	new	ADJ
fbem-29331	48	22	financial	financial	ADJ
fbem-29331	48	23	agglomeration	agglomeration	NOUN
fbem-29331	48	24	centers	center	NOUN
fbem-29331	48	25	.	.	PUNCT
fbem-29331	49	1	the	the	DET
fbem-29331	49	2	digital	digital	ADJ
fbem-29331	49	3	economy	economy	NOUN
fbem-29331	49	4	also	also	ADV
fbem-29331	49	5	enhances	enhance	VERB
fbem-29331	49	6	the	the	DET
fbem-29331	49	7	knowledge	knowledge	NOUN
fbem-29331	49	8	spillover	spillover	VERB
fbem-29331	49	9	effect	effect	NOUN
fbem-29331	49	10	and	and	CCONJ
fbem-29331	49	11	network	network	NOUN
fbem-29331	49	12	externality	externality	NOUN
fbem-29331	49	13	of	of	ADP
fbem-29331	49	14	financial	financial	ADJ
fbem-29331	49	15	agglomeration	agglomeration	NOUN
fbem-29331	49	16	in	in	ADP
fbem-29331	49	17	promoting	promote	VERB
fbem-29331	49	18	the	the	DET
fbem-29331	49	19	agglomeration	agglomeration	NOUN
fbem-29331	49	20	of	of	ADP
fbem-29331	49	21	financial	financial	ADJ
fbem-29331	49	22	assets	asset	NOUN
fbem-29331	49	23	.	.	PUNCT
fbem-29331	50	1	this	this	PRON
fbem-29331	50	2	is	be	AUX
fbem-29331	50	3	mainly	mainly	ADV
fbem-29331	50	4	because	because	SCONJ
fbem-29331	50	5	the	the	DET
fbem-29331	50	6	rapid	rapid	ADJ
fbem-29331	50	7	flow	flow	NOUN
fbem-29331	50	8	of	of	ADP
fbem-29331	50	9	digital	digital	ADJ
fbem-29331	50	10	information	information	NOUN
fbem-29331	50	11	makes	make	VERB
fbem-29331	50	12	the	the	DET
fbem-29331	50	13	cooperation	cooperation	NOUN
fbem-29331	50	14	and	and	CCONJ
fbem-29331	50	15	competition	competition	NOUN
fbem-29331	50	16	relationship	relationship	NOUN
fbem-29331	50	17	between	between	ADP
fbem-29331	50	18	financial	financial	ADJ
fbem-29331	50	19	institutions	institution	NOUN
fbem-29331	50	20	closer	close	ADJ
fbem-29331	50	21	.	.	PUNCT
fbem-29331	51	1	3.2	3.2	NUM
fbem-29331	51	2	.	.	PUNCT
fbem-29331	52	1	analysis	analysis	NOUN
fbem-29331	52	2	of	of	ADP
fbem-29331	52	3	the	the	DET
fbem-29331	52	4	two	two	NUM
fbem-29331	52	5	-	-	PUNCT
fbem-29331	52	6	sided	sided	ADJ
fbem-29331	52	7	impact	impact	NOUN
fbem-29331	52	8	of	of	ADP
fbem-29331	52	9	financial	financial	ADJ
fbem-29331	52	10	agglomeration	agglomeration	NOUN
fbem-29331	52	11	3.2.1	3.2.1	NUM
fbem-29331	52	12	.	.	PUNCT
fbem-29331	53	1	positive	positive	ADJ
fbem-29331	53	2	impact	impact	NOUN
fbem-29331	53	3	analysis	analysis	NOUN
fbem-29331	53	4	financial	financial	ADJ
fbem-29331	53	5	agglomeration	agglomeration	NOUN
fbem-29331	53	6	,	,	PUNCT
fbem-29331	53	7	a	a	DET
fbem-29331	53	8	key	key	ADJ
fbem-29331	53	9	aspect	aspect	NOUN
fbem-29331	53	10	of	of	ADP
fbem-29331	53	11	contemporary	contemporary	ADJ
fbem-29331	53	12	financial	financial	ADJ
fbem-29331	53	13	markets	market	NOUN
fbem-29331	53	14	,	,	PUNCT
fbem-29331	53	15	positively	positively	ADV
fbem-29331	53	16	influences	influence	VERB
fbem-29331	53	17	economic	economic	ADJ
fbem-29331	53	18	expansion	expansion	NOUN
fbem-29331	53	19	and	and	CCONJ
fbem-29331	53	20	the	the	DET
fbem-29331	53	21	growth	growth	NOUN
fbem-29331	53	22	of	of	ADP
fbem-29331	53	23	enterprises	enterprise	NOUN
fbem-29331	53	24	in	in	ADP
fbem-29331	53	25	various	various	ADJ
fbem-29331	53	26	ways	way	NOUN
fbem-29331	53	27	.	.	PUNCT
fbem-29331	54	1	this	this	DET
fbem-29331	54	2	approach	approach	NOUN
fbem-29331	54	3	fosters	foster	VERB
fbem-29331	54	4	technological	technological	ADJ
fbem-29331	54	5	advancements	advancement	NOUN
fbem-29331	54	6	,	,	PUNCT
fbem-29331	54	7	harmonizes	harmonize	VERB
fbem-29331	54	8	development	development	NOUN
fbem-29331	54	9	across	across	ADP
fbem-29331	54	10	regions	region	NOUN
fbem-29331	54	11	,	,	PUNCT
fbem-29331	54	12	streamlines	streamline	VERB
fbem-29331	54	13	the	the	DET
fbem-29331	54	14	distribution	distribution	NOUN
fbem-29331	54	15	of	of	ADP
fbem-29331	54	16	resources	resource	NOUN
fbem-29331	54	17	,	,	PUNCT
fbem-29331	54	18	enhances	enhance	VERB
fbem-29331	54	19	business	business	NOUN
fbem-29331	54	20	efficiency	efficiency	NOUN
fbem-29331	54	21	among	among	ADP
fbem-29331	54	22	other	other	ADJ
fbem-29331	54	23	facets	facet	NOUN
fbem-29331	54	24	,	,	PUNCT
fbem-29331	54	25	and	and	CCONJ
fbem-29331	54	26	offers	offer	VERB
fbem-29331	54	27	robust	robust	ADJ
fbem-29331	54	28	backing	backing	NOUN
fbem-29331	54	29	for	for	ADP
fbem-29331	54	30	the	the	DET
fbem-29331	54	31	growth	growth	NOUN
fbem-29331	54	32	of	of	ADP
fbem-29331	54	33	the	the	DET
fbem-29331	54	34	actual	actual	ADJ
fbem-29331	54	35	economy	economy	NOUN
fbem-29331	54	36	.	.	PUNCT
fbem-29331	55	1	meanwhile	meanwhile	ADV
fbem-29331	55	2	,	,	PUNCT
fbem-29331	55	3	financial	financial	ADJ
fbem-29331	55	4	institutions	institution	NOUN
fbem-29331	55	5	in	in	ADP
fbem-29331	55	6	the	the	DET
fbem-29331	55	7	agglomeration	agglomeration	NOUN
fbem-29331	55	8	area	area	NOUN
fbem-29331	55	9	can	can	AUX
fbem-29331	55	10	share	share	VERB
fbem-29331	55	11	infrastructure	infrastructure	NOUN
fbem-29331	55	12	and	and	CCONJ
fbem-29331	55	13	professional	professional	ADJ
fbem-29331	55	14	human	human	ADJ
fbem-29331	55	15	resources	resource	NOUN
fbem-29331	55	16	and	and	CCONJ
fbem-29331	55	17	reduce	reduce	VERB
fbem-29331	55	18	the	the	DET
fbem-29331	55	19	cost	cost	NOUN
fbem-29331	55	20	of	of	ADP
fbem-29331	55	21	redundant	redundant	ADJ
fbem-29331	55	22	construction	construction	NOUN
fbem-29331	55	23	.	.	PUNCT
fbem-29331	56	1	financial	financial	ADJ
fbem-29331	56	2	agglomeration	agglomeration	NOUN
fbem-29331	56	3	will	will	AUX
fbem-29331	56	4	also	also	ADV
fbem-29331	56	5	create	create	VERB
fbem-29331	56	6	favorable	favorable	ADJ
fbem-29331	56	7	conditions	condition	NOUN
fbem-29331	56	8	for	for	ADP
fbem-29331	56	9	the	the	DET
fbem-29331	56	10	green	green	ADJ
fbem-29331	56	11	development	development	NOUN
fbem-29331	56	12	of	of	ADP
fbem-29331	56	13	traditional	traditional	ADJ
fbem-29331	56	14	industries	industry	NOUN
fbem-29331	56	15	such	such	ADJ
fbem-29331	56	16	as	as	ADP
fbem-29331	56	17	manufacturing	manufacture	VERB
fbem-29331	56	18	industry	industry	NOUN
fbem-29331	56	19	and	and	CCONJ
fbem-29331	56	20	promote	promote	VERB
fbem-29331	56	21	green	green	ADJ
fbem-29331	56	22	and	and	CCONJ
fbem-29331	56	23	low	low	ADJ
fbem-29331	56	24	-	-	PUNCT
fbem-29331	56	25	carbon	carbon	NOUN
fbem-29331	56	26	transformation	transformation	NOUN
fbem-29331	56	27	[	[	X
fbem-29331	56	28	9	9	NUM
fbem-29331	56	29	]	]	PUNCT
fbem-29331	56	30	.	.	PUNCT
fbem-29331	57	1	financial	financial	ADJ
fbem-29331	57	2	agglomeration	agglomeration	NOUN
fbem-29331	57	3	is	be	AUX
fbem-29331	57	4	also	also	ADV
fbem-29331	57	5	conducive	conducive	ADJ
fbem-29331	57	6	to	to	ADP
fbem-29331	57	7	promoting	promote	VERB
fbem-29331	57	8	the	the	DET
fbem-29331	57	9	flow	flow	NOUN
fbem-29331	57	10	of	of	ADP
fbem-29331	57	11	production	production	NOUN
fbem-29331	57	12	factors	factor	NOUN
fbem-29331	57	13	,	,	PUNCT
fbem-29331	57	14	improving	improve	VERB
fbem-29331	57	15	production	production	NOUN
fbem-29331	57	16	efficiency	efficiency	NOUN
fbem-29331	57	17	.	.	PUNCT
fbem-29331	58	1	in	in	ADP
fbem-29331	58	2	addition	addition	NOUN
fbem-29331	58	3	,	,	PUNCT
fbem-29331	58	4	financial	financial	ADJ
fbem-29331	58	5	agglomeration	agglomeration	NOUN
fbem-29331	58	6	can	can	AUX
fbem-29331	58	7	also	also	ADV
fbem-29331	58	8	promote	promote	VERB
fbem-29331	58	9	the	the	DET
fbem-29331	58	10	exchange	exchange	NOUN
fbem-29331	58	11	of	of	ADP
fbem-29331	58	12	information	information	NOUN
fbem-29331	58	13	,	,	PUNCT
fbem-29331	58	14	accelerate	accelerate	VERB
fbem-29331	58	15	the	the	DET
fbem-29331	58	16	pace	pace	NOUN
fbem-29331	58	17	of	of	ADP
fbem-29331	58	18	innovation	innovation	NOUN
fbem-29331	58	19	and	and	CCONJ
fbem-29331	58	20	improve	improve	VERB
fbem-29331	58	21	the	the	DET
fbem-29331	58	22	overall	overall	ADJ
fbem-29331	58	23	competitiveness	competitiveness	NOUN
fbem-29331	58	24	.	.	PUNCT
fbem-29331	59	1	3.2.2	3.2.2	NUM
fbem-29331	59	2	.	.	PUNCT
fbem-29331	59	3	negative	negative	ADJ
fbem-29331	59	4	impact	impact	NOUN
fbem-29331	59	5	analysis	analysis	NOUN
fbem-29331	59	6	although	although	SCONJ
fbem-29331	59	7	financial	financial	ADJ
fbem-29331	59	8	agglomeration	agglomeration	NOUN
fbem-29331	59	9	can	can	AUX
fbem-29331	59	10	bring	bring	VERB
fbem-29331	59	11	a	a	DET
fbem-29331	59	12	series	series	NOUN
fbem-29331	59	13	of	of	ADP
fbem-29331	59	14	benefits	benefit	NOUN
fbem-29331	59	15	,	,	PUNCT
fbem-29331	59	16	it	it	PRON
fbem-29331	59	17	may	may	AUX
fbem-29331	59	18	also	also	ADV
fbem-29331	59	19	cause	cause	VERB
fbem-29331	59	20	some	some	DET
fbem-29331	59	21	negative	negative	ADJ
fbem-29331	59	22	impacts	impact	NOUN
fbem-29331	59	23	.	.	PUNCT
fbem-29331	60	1	for	for	ADP
fbem-29331	60	2	example	example	NOUN
fbem-29331	60	3	,	,	PUNCT
fbem-29331	60	4	excessive	excessive	ADJ
fbem-29331	60	5	concentration	concentration	NOUN
fbem-29331	60	6	of	of	ADP
fbem-29331	60	7	financial	financial	ADJ
fbem-29331	60	8	resources	resource	NOUN
fbem-29331	60	9	may	may	AUX
fbem-29331	60	10	lead	lead	VERB
fbem-29331	60	11	to	to	ADP
fbem-29331	60	12	uneven	uneven	ADJ
fbem-29331	60	13	distribution	distribution	NOUN
fbem-29331	60	14	of	of	ADP
fbem-29331	60	15	financial	financial	ADJ
fbem-29331	60	16	resources	resource	NOUN
fbem-29331	60	17	,	,	PUNCT
fbem-29331	60	18	aggravating	aggravate	VERB
fbem-29331	60	19	economic	economic	ADJ
fbem-29331	60	20	imbalance	imbalance	NOUN
fbem-29331	60	21	between	between	ADP
fbem-29331	60	22	regions	region	NOUN
fbem-29331	60	23	,	,	PUNCT
fbem-29331	60	24	and	and	CCONJ
fbem-29331	60	25	further	further	ADJ
fbem-29331	60	26	lead	lead	VERB
fbem-29331	60	27	to	to	ADP
fbem-29331	60	28	the	the	DET
fbem-29331	60	29	exhaustion	exhaustion	NOUN
fbem-29331	60	30	of	of	ADP
fbem-29331	60	31	funds	fund	NOUN
fbem-29331	60	32	in	in	ADP
fbem-29331	60	33	other	other	ADJ
fbem-29331	60	34	regions	region	NOUN
fbem-29331	60	35	.	.	PUNCT
fbem-29331	61	1	meanwhile	meanwhile	ADV
fbem-29331	61	2	,	,	PUNCT
fbem-29331	61	3	excessive	excessive	ADJ
fbem-29331	61	4	financial	financial	ADJ
fbem-29331	61	5	agglomeration	agglomeration	NOUN
fbem-29331	61	6	may	may	AUX
fbem-29331	61	7	have	have	VERB
fbem-29331	61	8	a	a	DET
fbem-29331	61	9	negative	negative	ADJ
fbem-29331	61	10	effect	effect	NOUN
fbem-29331	61	11	on	on	ADP
fbem-29331	61	12	the	the	DET
fbem-29331	61	13	real	real	ADJ
fbem-29331	61	14	economy	economy	NOUN
fbem-29331	61	15	.	.	PUNCT
fbem-29331	62	1	on	on	ADP
fbem-29331	62	2	the	the	DET
fbem-29331	62	3	one	one	NUM
fbem-29331	62	4	hand	hand	NOUN
fbem-29331	62	5	,	,	PUNCT
fbem-29331	62	6	since	since	SCONJ
fbem-29331	62	7	many	many	ADJ
fbem-29331	62	8	funds	fund	NOUN
fbem-29331	62	9	flow	flow	VERB
fbem-29331	62	10	to	to	ADP
fbem-29331	62	11	highreturn	highreturn	NOUN
fbem-29331	62	12	but	but	CCONJ
fbem-29331	62	13	high	high	ADJ
fbem-29331	62	14	-	-	PUNCT
fbem-29331	62	15	risk	risk	NOUN
fbem-29331	62	16	fields	field	NOUN
fbem-29331	62	17	such	such	ADJ
fbem-29331	62	18	as	as	ADP
fbem-29331	62	19	real	real	ADJ
fbem-29331	62	20	estate	estate	NOUN
fbem-29331	62	21	,	,	PUNCT
fbem-29331	62	22	rather	rather	ADV
fbem-29331	62	23	than	than	ADP
fbem-29331	62	24	supporting	support	VERB
fbem-29331	62	25	the	the	DET
fbem-29331	62	26	upgrading	upgrading	NOUN
fbem-29331	62	27	of	of	ADP
fbem-29331	62	28	manufacturing	manufacturing	NOUN
fbem-29331	62	29	industry	industry	NOUN
fbem-29331	62	30	or	or	CCONJ
fbem-29331	62	31	other	other	ADJ
fbem-29331	62	32	long	long	ADJ
fbem-29331	62	33	-	-	PUNCT
fbem-29331	62	34	term	term	NOUN
fbem-29331	62	35	investment	investment	NOUN
fbem-29331	62	36	projects	project	NOUN
fbem-29331	62	37	,	,	PUNCT
fbem-29331	62	38	this	this	PRON
fbem-29331	62	39	may	may	AUX
fbem-29331	62	40	lead	lead	VERB
fbem-29331	62	41	to	to	ADP
fbem-29331	62	42	an	an	DET
fbem-29331	62	43	imbalance	imbalance	NOUN
fbem-29331	62	44	in	in	ADP
fbem-29331	62	45	industrial	industrial	ADJ
fbem-29331	62	46	structure	structure	NOUN
fbem-29331	62	47	and	and	CCONJ
fbem-29331	62	48	affect	affect	VERB
fbem-29331	62	49	the	the	DET
fbem-29331	62	50	country	country	NOUN
fbem-29331	62	51	's	's	PART
fbem-29331	62	52	overall	overall	ADJ
fbem-29331	62	53	competitiveness	competitiveness	NOUN
fbem-29331	62	54	.	.	PUNCT
fbem-29331	63	1	on	on	ADP
fbem-29331	63	2	the	the	DET
fbem-29331	63	3	other	other	ADJ
fbem-29331	63	4	hand	hand	NOUN
fbem-29331	63	5	,	,	PUNCT
fbem-29331	63	6	highly	highly	ADV
fbem-29331	63	7	concentrated	concentrated	ADJ
fbem-29331	63	8	financial	financial	ADJ
fbem-29331	63	9	institutions	institution	NOUN
fbem-29331	63	10	may	may	AUX
fbem-29331	63	11	increase	increase	VERB
fbem-29331	63	12	systemic	systemic	ADJ
fbem-29331	63	13	financial	financial	ADJ
fbem-29331	63	14	risks	risk	NOUN
fbem-29331	63	15	.	.	PUNCT
fbem-29331	64	1	once	once	ADV
fbem-29331	64	2	a	a	DET
fbem-29331	64	3	crisis	crisis	NOUN
fbem-29331	64	4	occurs	occur	VERB
fbem-29331	64	5	,	,	PUNCT
fbem-29331	64	6	the	the	DET
fbem-29331	64	7	scope	scope	NOUN
fbem-29331	64	8	and	and	CCONJ
fbem-29331	64	9	degree	degree	NOUN
fbem-29331	64	10	of	of	ADP
fbem-29331	64	11	its	its	PRON
fbem-29331	64	12	impact	impact	NOUN
fbem-29331	64	13	on	on	ADP
fbem-29331	64	14	society	society	NOUN
fbem-29331	64	15	and	and	CCONJ
fbem-29331	64	16	economy	economy	NOUN
fbem-29331	64	17	may	may	AUX
fbem-29331	64	18	be	be	AUX
fbem-29331	64	19	amplified	amplify	VERB
fbem-29331	64	20	because	because	SCONJ
fbem-29331	64	21	the	the	DET
fbem-29331	64	22	excessive	excessive	ADJ
fbem-29331	64	23	concentration	concentration	NOUN
fbem-29331	64	24	of	of	ADP
fbem-29331	64	25	risks	risk	NOUN
fbem-29331	64	26	.	.	PUNCT
fbem-29331	65	1	secondly	secondly	ADV
fbem-29331	65	2	,	,	PUNCT
fbem-29331	65	3	the	the	DET
fbem-29331	65	4	network	network	NOUN
fbem-29331	65	5	economic	economic	ADJ
fbem-29331	65	6	effect	effect	NOUN
fbem-29331	65	7	of	of	ADP
fbem-29331	65	8	financial	financial	ADJ
fbem-29331	65	9	agglomeration	agglomeration	NOUN
fbem-29331	65	10	connects	connect	VERB
fbem-29331	65	11	most	most	ADJ
fbem-29331	65	12	of	of	ADP
fbem-29331	65	13	the	the	DET
fbem-29331	65	14	subjects	subject	NOUN
fbem-29331	65	15	in	in	ADP
fbem-29331	65	16	a	a	DET
fbem-29331	65	17	region	region	NOUN
fbem-29331	65	18	into	into	ADP
fbem-29331	65	19	a	a	DET
fbem-29331	65	20	financial	financial	ADJ
fbem-29331	65	21	network	network	NOUN
fbem-29331	65	22	,	,	PUNCT
fbem-29331	65	23	which	which	PRON
fbem-29331	65	24	may	may	AUX
fbem-29331	65	25	lead	lead	VERB
fbem-29331	65	26	to	to	ADP
fbem-29331	65	27	excessive	excessive	ADJ
fbem-29331	65	28	liquidity	liquidity	NOUN
fbem-29331	65	29	of	of	ADP
fbem-29331	65	30	funds	fund	NOUN
fbem-29331	65	31	.	.	PUNCT
fbem-29331	66	1	this	this	DET
fbem-29331	66	2	excessive	excessive	ADJ
fbem-29331	66	3	liquidity	liquidity	NOUN
fbem-29331	66	4	of	of	ADP
fbem-29331	66	5	funds	fund	NOUN
fbem-29331	66	6	may	may	AUX
fbem-29331	66	7	lead	lead	VERB
fbem-29331	66	8	to	to	ADP
fbem-29331	66	9	the	the	DET
fbem-29331	66	10	rapid	rapid	ADJ
fbem-29331	66	11	flow	flow	NOUN
fbem-29331	66	12	of	of	ADP
fbem-29331	66	13	funds	fund	NOUN
fbem-29331	66	14	between	between	ADP
fbem-29331	66	15	different	different	ADJ
fbem-29331	66	16	regions	region	NOUN
fbem-29331	66	17	and	and	CCONJ
fbem-29331	66	18	industries	industry	NOUN
fbem-29331	66	19	,	,	PUNCT
fbem-29331	66	20	and	and	CCONJ
fbem-29331	66	21	increases	increase	VERB
fbem-29331	66	22	the	the	DET
fbem-29331	66	23	instability	instability	NOUN
fbem-29331	66	24	of	of	ADP
fbem-29331	66	25	financial	financial	ADJ
fbem-29331	66	26	markets	market	NOUN
fbem-29331	66	27	.	.	PUNCT
fbem-29331	67	1	4	4	X
fbem-29331	67	2	.	.	X
fbem-29331	67	3	comparative	comparative	ADJ
fbem-29331	67	4	analysis	analysis	NOUN
fbem-29331	67	5	of	of	ADP
fbem-29331	67	6	traditional	traditional	ADJ
fbem-29331	67	7	finance	finance	NOUN
fbem-29331	67	8	and	and	CCONJ
fbem-29331	67	9	internet	internet	NOUN
fbem-29331	67	10	finance	finance	NOUN
fbem-29331	67	11	4.1	4.1	NUM
fbem-29331	67	12	.	.	PUNCT
fbem-29331	68	1	service	service	NOUN
fbem-29331	68	2	status	status	NOUN
fbem-29331	68	3	of	of	ADP
fbem-29331	68	4	traditional	traditional	ADJ
fbem-29331	68	5	finance	finance	NOUN
fbem-29331	68	6	for	for	ADP
fbem-29331	68	7	small	small	ADJ
fbem-29331	68	8	and	and	CCONJ
fbem-29331	68	9	medium	medium	ADJ
fbem-29331	68	10	-	-	PUNCT
fbem-29331	68	11	sized	sized	ADJ
fbem-29331	68	12	enterprises	enterprise	NOUN
fbem-29331	68	13	4.1.1	4.1.1	NUM
fbem-29331	68	14	.	.	PUNCT
fbem-29331	68	15	advantages	advantage	NOUN
fbem-29331	68	16	and	and	CCONJ
fbem-29331	68	17	limitations	limitation	NOUN
fbem-29331	68	18	of	of	ADP
fbem-29331	68	19	traditional	traditional	ADJ
fbem-29331	68	20	finance	finance	NOUN
fbem-29331	68	21	traditional	traditional	ADJ
fbem-29331	68	22	finance	finance	NOUN
fbem-29331	68	23	refers	refer	VERB
fbem-29331	68	24	to	to	ADP
fbem-29331	68	25	financial	financial	ADJ
fbem-29331	68	26	institutions	institution	NOUN
fbem-29331	68	27	with	with	ADP
fbem-29331	68	28	a	a	DET
fbem-29331	68	29	long	long	ADJ
fbem-29331	68	30	history	history	NOUN
fbem-29331	68	31	and	and	CCONJ
fbem-29331	68	32	mainly	mainly	ADV
fbem-29331	68	33	existing	exist	VERB
fbem-29331	68	34	in	in	ADP
fbem-29331	68	35	physical	physical	ADJ
fbem-29331	68	36	form	form	NOUN
fbem-29331	68	37	,	,	PUNCT
fbem-29331	68	38	such	such	ADJ
fbem-29331	68	39	as	as	ADP
fbem-29331	68	40	commercial	commercial	ADJ
fbem-29331	68	41	banks	bank	NOUN
fbem-29331	68	42	and	and	CCONJ
fbem-29331	68	43	credit	credit	NOUN
fbem-29331	68	44	cooperatives	cooperative	NOUN
fbem-29331	68	45	.	.	PUNCT
fbem-29331	69	1	these	these	DET
fbem-29331	69	2	institutions	institution	NOUN
fbem-29331	69	3	are	be	AUX
fbem-29331	69	4	often	often	ADV
fbem-29331	69	5	composed	compose	VERB
fbem-29331	69	6	of	of	ADP
fbem-29331	69	7	some	some	DET
fbem-29331	69	8	large	large	ADJ
fbem-29331	69	9	banks	bank	NOUN
fbem-29331	69	10	and	and	CCONJ
fbem-29331	69	11	government	government	NOUN
fbem-29331	69	12	institutions	institution	NOUN
fbem-29331	69	13	,	,	PUNCT
fbem-29331	69	14	and	and	CCONJ
fbem-29331	69	15	usually	usually	ADV
fbem-29331	69	16	have	have	VERB
fbem-29331	69	17	strong	strong	ADJ
fbem-29331	69	18	financial	financial	ADJ
fbem-29331	69	19	capabilities	capability	NOUN
fbem-29331	69	20	,	,	PUNCT
fbem-29331	69	21	a	a	DET
fbem-29331	69	22	large	large	ADJ
fbem-29331	69	23	customer	customer	NOUN
fbem-29331	69	24	base	base	NOUN
fbem-29331	69	25	and	and	CCONJ
fbem-29331	69	26	a	a	DET
fbem-29331	69	27	mature	mature	ADJ
fbem-29331	69	28	risk	risk	NOUN
fbem-29331	69	29	management	management	NOUN
fbem-29331	69	30	system	system	NOUN
fbem-29331	69	31	.	.	PUNCT
fbem-29331	70	1	this	this	PRON
fbem-29331	70	2	gives	give	VERB
fbem-29331	70	3	them	they	PRON
fbem-29331	70	4	obvious	obvious	ADJ
fbem-29331	70	5	advantages	advantage	NOUN
fbem-29331	70	6	in	in	ADP
fbem-29331	70	7	providing	provide	VERB
fbem-29331	70	8	large	large	ADJ
fbem-29331	70	9	loans	loan	NOUN
fbem-29331	70	10	,	,	PUNCT
fbem-29331	70	11	long	long	ADJ
fbem-29331	70	12	-	-	PUNCT
fbem-29331	70	13	term	term	NOUN
fbem-29331	70	14	credit	credit	NOUN
fbem-29331	70	15	and	and	CCONJ
fbem-29331	70	16	complex	complex	ADJ
fbem-29331	70	17	financial	financial	ADJ
fbem-29331	70	18	products	product	NOUN
fbem-29331	70	19	.	.	PUNCT
fbem-29331	71	1	however	however	ADV
fbem-29331	71	2	,	,	PUNCT
fbem-29331	71	3	traditional	traditional	ADJ
fbem-29331	71	4	finance	finance	NOUN
fbem-29331	71	5	also	also	ADV
fbem-29331	71	6	has	have	VERB
fbem-29331	71	7	certain	certain	ADJ
fbem-29331	71	8	limitations	limitation	NOUN
fbem-29331	71	9	in	in	ADP
fbem-29331	71	10	serving	serve	VERB
fbem-29331	71	11	small	small	ADJ
fbem-29331	71	12	and	and	CCONJ
fbem-29331	71	13	medium	medium	ADJ
fbem-29331	71	14	-	-	PUNCT
fbem-29331	71	15	sized	sized	ADJ
fbem-29331	71	16	enterprises	enterprise	NOUN
fbem-29331	71	17	,	,	PUNCT
fbem-29331	71	18	such	such	ADJ
fbem-29331	71	19	as	as	ADP
fbem-29331	71	20	long	long	ADJ
fbem-29331	71	21	approval	approval	NOUN
fbem-29331	71	22	process	process	NOUN
fbem-29331	71	23	,	,	PUNCT
fbem-29331	71	24	high	high	ADJ
fbem-29331	71	25	threshold	threshold	NOUN
fbem-29331	71	26	and	and	CCONJ
fbem-29331	71	27	lack	lack	NOUN
fbem-29331	71	28	of	of	ADP
fbem-29331	71	29	innovation	innovation	NOUN
fbem-29331	71	30	ability	ability	NOUN
fbem-29331	71	31	.	.	PUNCT
fbem-29331	72	1	172	172	NUM
fbem-29331	72	2	4.1.2	4.1.2	NUM
fbem-29331	72	3	.	.	PUNCT
fbem-29331	72	4	service	service	NOUN
fbem-29331	72	5	models	model	NOUN
fbem-29331	72	6	and	and	CCONJ
fbem-29331	72	7	challenges	challenge	NOUN
fbem-29331	72	8	for	for	ADP
fbem-29331	72	9	small	small	ADJ
fbem-29331	72	10	and	and	CCONJ
fbem-29331	72	11	medium	medium	ADJ
fbem-29331	72	12	-	-	PUNCT
fbem-29331	72	13	sized	sized	ADJ
fbem-29331	72	14	enterprises	enterprise	NOUN
fbem-29331	72	15	models	model	NOUN
fbem-29331	72	16	of	of	ADP
fbem-29331	72	17	service	service	NOUN
fbem-29331	72	18	provided	provide	VERB
fbem-29331	72	19	to	to	ADP
fbem-29331	72	20	small	small	ADJ
fbem-29331	72	21	and	and	CCONJ
fbem-29331	72	22	medium	medium	ADJ
fbem-29331	72	23	enterprises	enterprise	NOUN
fbem-29331	72	24	encompass	encompass	VERB
fbem-29331	72	25	credit	credit	NOUN
fbem-29331	72	26	offerings	offering	NOUN
fbem-29331	72	27	,	,	PUNCT
fbem-29331	72	28	settlement	settlement	NOUN
fbem-29331	72	29	assistance	assistance	NOUN
fbem-29331	72	30	,	,	PUNCT
fbem-29331	72	31	and	and	CCONJ
fbem-29331	72	32	financial	financial	ADJ
fbem-29331	72	33	advisory	advisory	ADJ
fbem-29331	72	34	services	service	NOUN
fbem-29331	72	35	.	.	PUNCT
fbem-29331	73	1	despite	despite	SCONJ
fbem-29331	73	2	these	these	DET
fbem-29331	73	3	services	service	NOUN
fbem-29331	73	4	reducing	reduce	VERB
fbem-29331	73	5	the	the	DET
fbem-29331	73	6	financial	financial	ADJ
fbem-29331	73	7	strain	strain	NOUN
fbem-29331	73	8	and	and	CCONJ
fbem-29331	73	9	requirements	requirement	NOUN
fbem-29331	73	10	of	of	ADP
fbem-29331	73	11	small	small	ADJ
fbem-29331	73	12	and	and	CCONJ
fbem-29331	73	13	medium	medium	NOUN
fbem-29331	73	14	businesses	business	NOUN
fbem-29331	73	15	to	to	ADP
fbem-29331	73	16	some	some	DET
fbem-29331	73	17	degree	degree	NOUN
fbem-29331	73	18	,	,	PUNCT
fbem-29331	73	19	they	they	PRON
fbem-29331	73	20	continue	continue	VERB
fbem-29331	73	21	to	to	PART
fbem-29331	73	22	encounter	encounter	VERB
fbem-29331	73	23	numerous	numerous	ADJ
fbem-29331	73	24	obstacles	obstacle	NOUN
fbem-29331	73	25	.	.	PUNCT
fbem-29331	74	1	small	small	ADJ
fbem-29331	74	2	and	and	CCONJ
fbem-29331	74	3	medium	medium	ADJ
fbem-29331	74	4	-	-	PUNCT
fbem-29331	74	5	sized	sized	ADJ
fbem-29331	74	6	enterprises	enterprise	NOUN
fbem-29331	74	7	often	often	ADV
fbem-29331	74	8	can	can	AUX
fbem-29331	74	9	not	not	PART
fbem-29331	74	10	obtain	obtain	VERB
fbem-29331	74	11	loans	loan	NOUN
fbem-29331	74	12	from	from	ADP
fbem-29331	74	13	traditional	traditional	ADJ
fbem-29331	74	14	financial	financial	ADJ
fbem-29331	74	15	entities	entity	NOUN
fbem-29331	74	16	because	because	SCONJ
fbem-29331	74	17	the	the	DET
fbem-29331	74	18	lack	lack	NOUN
fbem-29331	74	19	of	of	ADP
fbem-29331	74	20	appropriate	appropriate	ADJ
fbem-29331	74	21	collateral	collateral	ADJ
fbem-29331	74	22	and	and	CCONJ
fbem-29331	74	23	historical	historical	ADJ
fbem-29331	74	24	credit	credit	NOUN
fbem-29331	74	25	.	.	PUNCT
fbem-29331	75	1	in	in	ADP
fbem-29331	75	2	addition	addition	NOUN
fbem-29331	75	3	,	,	PUNCT
fbem-29331	75	4	due	due	ADP
fbem-29331	75	5	to	to	ADP
fbem-29331	75	6	risk	risk	NOUN
fbem-29331	75	7	assessment	assessment	NOUN
fbem-29331	75	8	and	and	CCONJ
fbem-29331	75	9	cost	cost	NOUN
fbem-29331	75	10	considerations	consideration	NOUN
fbem-29331	75	11	,	,	PUNCT
fbem-29331	75	12	traditional	traditional	ADJ
fbem-29331	75	13	finance	finance	NOUN
fbem-29331	75	14	fails	fail	VERB
fbem-29331	75	15	to	to	PART
fbem-29331	75	16	satisfy	satisfy	VERB
fbem-29331	75	17	the	the	DET
fbem-29331	75	18	unique	unique	ADJ
fbem-29331	75	19	financing	financing	NOUN
fbem-29331	75	20	requirements	requirement	NOUN
fbem-29331	75	21	of	of	ADP
fbem-29331	75	22	businesses	business	NOUN
fbem-29331	75	23	,	,	PUNCT
fbem-29331	75	24	and	and	CCONJ
fbem-29331	75	25	the	the	DET
fbem-29331	75	26	services	service	NOUN
fbem-29331	75	27	provided	provide	VERB
fbem-29331	75	28	are	be	AUX
fbem-29331	75	29	mostly	mostly	ADV
fbem-29331	75	30	"	"	PUNCT
fbem-29331	75	31	one	one	NUM
fbem-29331	75	32	-	-	PUNCT
fbem-29331	75	33	to	to	ADP
fbem-29331	75	34	-	-	PUNCT
fbem-29331	75	35	one	one	NUM
fbem-29331	75	36	"	"	PUNCT
fbem-29331	75	37	marketing	marketing	NOUN
fbem-29331	75	38	strategies	strategy	NOUN
fbem-29331	75	39	.	.	PUNCT
fbem-29331	76	1	moreover	moreover	ADV
fbem-29331	76	2	,	,	PUNCT
fbem-29331	76	3	the	the	DET
fbem-29331	76	4	service	service	NOUN
fbem-29331	76	5	methods	method	NOUN
fbem-29331	76	6	adopted	adopt	VERB
fbem-29331	76	7	by	by	ADP
fbem-29331	76	8	traditional	traditional	ADJ
fbem-29331	76	9	financial	financial	ADJ
fbem-29331	76	10	institutions	institution	NOUN
fbem-29331	76	11	are	be	AUX
fbem-29331	76	12	relatively	relatively	ADV
fbem-29331	76	13	fixed	fix	VERB
fbem-29331	76	14	and	and	CCONJ
fbem-29331	76	15	lack	lack	VERB
fbem-29331	76	16	sufficient	sufficient	ADJ
fbem-29331	76	17	flexibility	flexibility	NOUN
fbem-29331	76	18	for	for	ADP
fbem-29331	76	19	the	the	DET
fbem-29331	76	20	rapidly	rapidly	ADV
fbem-29331	76	21	changing	change	VERB
fbem-29331	76	22	market	market	NOUN
fbem-29331	76	23	demand	demand	NOUN
fbem-29331	76	24	.	.	PUNCT
fbem-29331	77	1	4.2	4.2	NUM
fbem-29331	77	2	.	.	PUNCT
fbem-29331	77	3	service	service	NOUN
fbem-29331	77	4	status	status	NOUN
fbem-29331	77	5	of	of	ADP
fbem-29331	77	6	internet	internet	NOUN
fbem-29331	77	7	finance	finance	NOUN
fbem-29331	77	8	for	for	ADP
fbem-29331	77	9	small	small	ADJ
fbem-29331	77	10	and	and	CCONJ
fbem-29331	77	11	medium	medium	ADJ
fbem-29331	77	12	-	-	PUNCT
fbem-29331	77	13	sized	sized	ADJ
fbem-29331	77	14	enterprises	enterprise	NOUN
fbem-29331	77	15	4.2.1	4.2.1	NUM
fbem-29331	77	16	.	.	PUNCT
fbem-29331	78	1	innovation	innovation	NOUN
fbem-29331	78	2	and	and	CCONJ
fbem-29331	78	3	advantages	advantage	NOUN
fbem-29331	78	4	of	of	ADP
fbem-29331	78	5	internet	internet	NOUN
fbem-29331	78	6	finance	finance	NOUN
fbem-29331	78	7	compared	compare	VERB
fbem-29331	78	8	with	with	ADP
fbem-29331	78	9	traditional	traditional	ADJ
fbem-29331	78	10	financial	financial	ADJ
fbem-29331	78	11	models	model	NOUN
fbem-29331	78	12	,	,	PUNCT
fbem-29331	78	13	internet	internet	NOUN
fbem-29331	78	14	finance	finance	NOUN
fbem-29331	78	15	shows	show	VERB
fbem-29331	78	16	unique	unique	ADJ
fbem-29331	78	17	advantages	advantage	NOUN
fbem-29331	78	18	in	in	ADP
fbem-29331	78	19	serving	serve	VERB
fbem-29331	78	20	small	small	ADJ
fbem-29331	78	21	and	and	CCONJ
fbem-29331	78	22	medium	medium	ADJ
fbem-29331	78	23	-	-	PUNCT
fbem-29331	78	24	sized	sized	ADJ
fbem-29331	78	25	enterprises	enterprise	NOUN
fbem-29331	78	26	by	by	ADP
fbem-29331	78	27	virtue	virtue	NOUN
fbem-29331	78	28	of	of	ADP
fbem-29331	78	29	its	its	PRON
fbem-29331	78	30	innovation	innovation	NOUN
fbem-29331	78	31	in	in	ADP
fbem-29331	78	32	business	business	NOUN
fbem-29331	78	33	model	model	NOUN
fbem-29331	78	34	and	and	CCONJ
fbem-29331	78	35	technology	technology	NOUN
fbem-29331	78	36	application	application	NOUN
fbem-29331	78	37	.	.	PUNCT
fbem-29331	79	1	internet	internet	NOUN
fbem-29331	79	2	finance	finance	NOUN
fbem-29331	79	3	adopts	adopt	VERB
fbem-29331	79	4	cutting	cutting	NOUN
fbem-29331	79	5	-	-	PUNCT
fbem-29331	79	6	edge	edge	NOUN
fbem-29331	79	7	internet	internet	NOUN
fbem-29331	79	8	technologies	technology	NOUN
fbem-29331	79	9	such	such	ADJ
fbem-29331	79	10	as	as	ADP
fbem-29331	79	11	big	big	ADJ
fbem-29331	79	12	data	datum	NOUN
fbem-29331	79	13	and	and	CCONJ
fbem-29331	79	14	cloud	cloud	NOUN
fbem-29331	79	15	computing	computing	NOUN
fbem-29331	79	16	to	to	PART
fbem-29331	79	17	bring	bring	VERB
fbem-29331	79	18	users	user	NOUN
fbem-29331	79	19	more	more	ADV
fbem-29331	79	20	convenient	convenient	ADJ
fbem-29331	79	21	and	and	CCONJ
fbem-29331	79	22	lowercost	lowercost	ADJ
fbem-29331	79	23	service	service	NOUN
fbem-29331	79	24	experience	experience	NOUN
fbem-29331	79	25	,	,	PUNCT
fbem-29331	79	26	thus	thus	ADV
fbem-29331	79	27	meeting	meet	VERB
fbem-29331	79	28	users	user	NOUN
fbem-29331	79	29	'	'	PART
fbem-29331	79	30	expectations	expectation	NOUN
fbem-29331	79	31	for	for	ADP
fbem-29331	79	32	convenient	convenient	ADJ
fbem-29331	79	33	use	use	NOUN
fbem-29331	79	34	.	.	PUNCT
fbem-29331	80	1	internet	internet	NOUN
fbem-29331	80	2	finance	finance	NOUN
fbem-29331	80	3	is	be	AUX
fbem-29331	80	4	more	more	ADV
fbem-29331	80	5	inclined	inclined	ADJ
fbem-29331	80	6	to	to	PART
fbem-29331	80	7	provide	provide	VERB
fbem-29331	80	8	inclusive	inclusive	ADJ
fbem-29331	80	9	financial	financial	ADJ
fbem-29331	80	10	solutions	solution	NOUN
fbem-29331	80	11	and	and	CCONJ
fbem-29331	80	12	wholeheartedly	wholeheartedly	ADV
fbem-29331	80	13	serve	serve	VERB
fbem-29331	80	14	small	small	ADJ
fbem-29331	80	15	and	and	CCONJ
fbem-29331	80	16	medium	medium	ADJ
fbem-29331	80	17	-	-	PUNCT
fbem-29331	80	18	sized	sized	ADJ
fbem-29331	80	19	enterprises	enterprise	NOUN
fbem-29331	80	20	and	and	CCONJ
fbem-29331	80	21	individual	individual	ADJ
fbem-29331	80	22	customers	customer	NOUN
fbem-29331	80	23	.	.	PUNCT
fbem-29331	81	1	and	and	CCONJ
fbem-29331	81	2	through	through	ADP
fbem-29331	81	3	continuous	continuous	ADJ
fbem-29331	81	4	technological	technological	ADJ
fbem-29331	81	5	innovation	innovation	NOUN
fbem-29331	81	6	,	,	PUNCT
fbem-29331	81	7	it	it	PRON
fbem-29331	81	8	reduces	reduce	VERB
fbem-29331	81	9	service	service	NOUN
fbem-29331	81	10	costs	cost	NOUN
fbem-29331	81	11	and	and	CCONJ
fbem-29331	81	12	market	market	NOUN
fbem-29331	81	13	thresholds	threshold	NOUN
fbem-29331	81	14	and	and	CCONJ
fbem-29331	81	15	expands	expand	VERB
fbem-29331	81	16	the	the	DET
fbem-29331	81	17	coverage	coverage	NOUN
fbem-29331	81	18	of	of	ADP
fbem-29331	81	19	related	related	ADJ
fbem-29331	81	20	services	service	NOUN
fbem-29331	81	21	.	.	PUNCT
fbem-29331	82	1	due	due	ADP
fbem-29331	82	2	to	to	ADP
fbem-29331	82	3	the	the	DET
fbem-29331	82	4	lack	lack	NOUN
fbem-29331	82	5	of	of	ADP
fbem-29331	82	6	physical	physical	ADJ
fbem-29331	82	7	facilities	facility	NOUN
fbem-29331	82	8	and	and	CCONJ
fbem-29331	82	9	professional	professional	ADJ
fbem-29331	82	10	talents	talent	NOUN
fbem-29331	82	11	,	,	PUNCT
fbem-29331	82	12	traditional	traditional	ADJ
fbem-29331	82	13	financial	financial	ADJ
fbem-29331	82	14	institutions	institution	NOUN
fbem-29331	82	15	often	often	ADV
fbem-29331	82	16	find	find	VERB
fbem-29331	82	17	it	it	PRON
fbem-29331	82	18	difficult	difficult	ADJ
fbem-29331	82	19	to	to	PART
fbem-29331	82	20	meet	meet	VERB
fbem-29331	82	21	the	the	DET
fbem-29331	82	22	financing	financing	NOUN
fbem-29331	82	23	needs	need	NOUN
fbem-29331	82	24	of	of	ADP
fbem-29331	82	25	various	various	ADJ
fbem-29331	82	26	small	small	ADJ
fbem-29331	82	27	and	and	CCONJ
fbem-29331	82	28	medium	medium	ADJ
fbem-29331	82	29	-	-	PUNCT
fbem-29331	82	30	sized	sized	ADJ
fbem-29331	82	31	enterprises	enterprise	NOUN
fbem-29331	82	32	.	.	PUNCT
fbem-29331	83	1	internet	internet	NOUN
fbem-29331	83	2	finance	finance	NOUN
fbem-29331	83	3	technology	technology	NOUN
fbem-29331	83	4	breaks	break	VERB
fbem-29331	83	5	through	through	ADP
fbem-29331	83	6	geographical	geographical	ADJ
fbem-29331	83	7	constraints	constraint	NOUN
fbem-29331	83	8	through	through	ADP
fbem-29331	83	9	the	the	DET
fbem-29331	83	10	network	network	NOUN
fbem-29331	83	11	and	and	CCONJ
fbem-29331	83	12	provides	provide	VERB
fbem-29331	83	13	more	more	ADV
fbem-29331	83	14	convenient	convenient	ADJ
fbem-29331	83	15	financial	financial	ADJ
fbem-29331	83	16	service	service	NOUN
fbem-29331	83	17	experience	experience	NOUN
fbem-29331	83	18	for	for	ADP
fbem-29331	83	19	small	small	ADJ
fbem-29331	83	20	and	and	CCONJ
fbem-29331	83	21	medium	medium	ADJ
fbem-29331	83	22	-	-	PUNCT
fbem-29331	83	23	sized	sized	ADJ
fbem-29331	83	24	enterprises	enterprise	NOUN
fbem-29331	83	25	in	in	ADP
fbem-29331	83	26	many	many	ADJ
fbem-29331	83	27	remote	remote	ADJ
fbem-29331	83	28	places	place	NOUN
fbem-29331	83	29	.	.	PUNCT
fbem-29331	84	1	in	in	ADP
fbem-29331	84	2	addition	addition	NOUN
fbem-29331	84	3	,	,	PUNCT
fbem-29331	84	4	internet	internet	NOUN
fbem-29331	84	5	finance	finance	NOUN
fbem-29331	84	6	has	have	VERB
fbem-29331	84	7	more	more	ADJ
fbem-29331	84	8	advantages	advantage	NOUN
fbem-29331	84	9	in	in	ADP
fbem-29331	84	10	handling	handle	VERB
fbem-29331	84	11	small	small	ADJ
fbem-29331	84	12	loan	loan	NOUN
fbem-29331	84	13	applications	application	NOUN
fbem-29331	84	14	.	.	PUNCT
fbem-29331	85	1	it	it	PRON
fbem-29331	85	2	quickly	quickly	ADV
fbem-29331	85	3	gathers	gather	VERB
fbem-29331	85	4	a	a	DET
fbem-29331	85	5	small	small	ADJ
fbem-29331	85	6	amount	amount	NOUN
fbem-29331	85	7	of	of	ADP
fbem-29331	85	8	funds	fund	NOUN
fbem-29331	85	9	through	through	ADP
fbem-29331	85	10	online	online	ADJ
fbem-29331	85	11	channels	channel	NOUN
fbem-29331	85	12	and	and	CCONJ
fbem-29331	85	13	implements	implement	VERB
fbem-29331	85	14	a	a	DET
fbem-29331	85	15	low	low	ADJ
fbem-29331	85	16	-	-	PUNCT
fbem-29331	85	17	cost	cost	NOUN
fbem-29331	85	18	operation	operation	NOUN
fbem-29331	85	19	strategy	strategy	NOUN
fbem-29331	85	20	.	.	PUNCT
fbem-29331	86	1	4.2.2	4.2.2	X
fbem-29331	86	2	.	.	PUNCT
fbem-29331	86	3	practice	practice	NOUN
fbem-29331	86	4	and	and	CCONJ
fbem-29331	86	5	shortcomings	shortcoming	NOUN
fbem-29331	86	6	of	of	ADP
fbem-29331	86	7	serving	serve	VERB
fbem-29331	86	8	small	small	ADJ
fbem-29331	86	9	and	and	CCONJ
fbem-29331	86	10	medium	medium	ADJ
fbem-29331	86	11	-	-	PUNCT
fbem-29331	86	12	sized	sized	ADJ
fbem-29331	86	13	enterprises	enterprise	NOUN
fbem-29331	86	14	in	in	ADP
fbem-29331	86	15	practice	practice	NOUN
fbem-29331	86	16	,	,	PUNCT
fbem-29331	86	17	internet	internet	NOUN
fbem-29331	86	18	finance	finance	NOUN
fbem-29331	86	19	has	have	AUX
fbem-29331	86	20	successfully	successfully	ADV
fbem-29331	86	21	helped	help	VERB
fbem-29331	86	22	many	many	ADJ
fbem-29331	86	23	small	small	ADJ
fbem-29331	86	24	and	and	CCONJ
fbem-29331	86	25	medium	medium	ADJ
fbem-29331	86	26	-	-	PUNCT
fbem-29331	86	27	sized	sized	ADJ
fbem-29331	86	28	enterprises	enterprise	NOUN
fbem-29331	86	29	solve	solve	VERB
fbem-29331	86	30	financing	financing	NOUN
fbem-29331	86	31	problems	problem	NOUN
fbem-29331	86	32	.	.	PUNCT
fbem-29331	87	1	through	through	ADP
fbem-29331	87	2	p2p	p2p	NOUN
fbem-29331	87	3	lending	lending	NOUN
fbem-29331	87	4	and	and	CCONJ
fbem-29331	87	5	other	other	ADJ
fbem-29331	87	6	ways	way	NOUN
fbem-29331	87	7	,	,	PUNCT
fbem-29331	87	8	small	small	ADJ
fbem-29331	87	9	and	and	CCONJ
fbem-29331	87	10	mediumsized	mediumsized	ADJ
fbem-29331	87	11	enterprises	enterprise	NOUN
fbem-29331	87	12	can	can	AUX
fbem-29331	87	13	directly	directly	ADV
fbem-29331	87	14	contact	contact	VERB
fbem-29331	87	15	investors	investor	NOUN
fbem-29331	87	16	and	and	CCONJ
fbem-29331	87	17	borrowers	borrower	NOUN
fbem-29331	87	18	,	,	PUNCT
fbem-29331	87	19	reduce	reduce	VERB
fbem-29331	87	20	intermediate	intermediate	ADJ
fbem-29331	87	21	links	link	NOUN
fbem-29331	87	22	and	and	CCONJ
fbem-29331	87	23	reduce	reduce	VERB
fbem-29331	87	24	financing	financing	NOUN
fbem-29331	87	25	costs	cost	NOUN
fbem-29331	87	26	.	.	PUNCT
fbem-29331	88	1	they	they	PRON
fbem-29331	88	2	can	can	AUX
fbem-29331	88	3	obtain	obtain	VERB
fbem-29331	88	4	user	user	NOUN
fbem-29331	88	5	feedback	feedback	NOUN
fbem-29331	88	6	in	in	ADP
fbem-29331	88	7	time	time	NOUN
fbem-29331	88	8	,	,	PUNCT
fbem-29331	88	9	optimize	optimize	VERB
fbem-29331	88	10	product	product	NOUN
fbem-29331	88	11	design	design	NOUN
fbem-29331	88	12	and	and	CCONJ
fbem-29331	88	13	enhance	enhance	VERB
fbem-29331	88	14	market	market	NOUN
fbem-29331	88	15	competitiveness	competitiveness	NOUN
fbem-29331	88	16	.	.	PUNCT
fbem-29331	89	1	in	in	ADP
fbem-29331	89	2	addition	addition	NOUN
fbem-29331	89	3	to	to	ADP
fbem-29331	89	4	p2p	p2p	NOUN
fbem-29331	89	5	lending	lending	NOUN
fbem-29331	89	6	,	,	PUNCT
fbem-29331	89	7	internet	internet	NOUN
fbem-29331	89	8	finance	finance	NOUN
fbem-29331	89	9	also	also	ADV
fbem-29331	89	10	has	have	VERB
fbem-29331	89	11	various	various	ADJ
fbem-29331	89	12	models	model	NOUN
fbem-29331	89	13	such	such	ADJ
fbem-29331	89	14	as	as	ADP
fbem-29331	89	15	e	e	NOUN
fbem-29331	89	16	-	-	NOUN
fbem-29331	89	17	commerce	commerce	NOUN
fbem-29331	89	18	finance	finance	NOUN
fbem-29331	89	19	and	and	CCONJ
fbem-29331	89	20	supply	supply	NOUN
fbem-29331	89	21	chain	chain	NOUN
fbem-29331	89	22	finance	finance	NOUN
fbem-29331	89	23	,	,	PUNCT
fbem-29331	89	24	providing	provide	VERB
fbem-29331	89	25	more	more	ADV
fbem-29331	89	26	flexible	flexible	ADJ
fbem-29331	89	27	financing	financing	NOUN
fbem-29331	89	28	solutions	solution	NOUN
fbem-29331	89	29	for	for	ADP
fbem-29331	89	30	small	small	ADJ
fbem-29331	89	31	and	and	CCONJ
fbem-29331	89	32	medium	medium	ADJ
fbem-29331	89	33	-	-	PUNCT
fbem-29331	89	34	sized	sized	ADJ
fbem-29331	89	35	enterprises	enterprise	NOUN
fbem-29331	89	36	.	.	PUNCT
fbem-29331	90	1	however	however	ADV
fbem-29331	90	2	,	,	PUNCT
fbem-29331	90	3	internet	internet	NOUN
fbem-29331	90	4	finance	finance	NOUN
fbem-29331	90	5	also	also	ADV
fbem-29331	90	6	has	have	VERB
fbem-29331	90	7	problems	problem	NOUN
fbem-29331	90	8	such	such	ADJ
fbem-29331	90	9	as	as	ADP
fbem-29331	90	10	insufficient	insufficient	ADJ
fbem-29331	90	11	supervision	supervision	NOUN
fbem-29331	90	12	and	and	CCONJ
fbem-29331	90	13	lax	lax	ADJ
fbem-29331	90	14	risk	risk	NOUN
fbem-29331	90	15	control	control	NOUN
fbem-29331	90	16	during	during	ADP
fbem-29331	90	17	its	its	PRON
fbem-29331	90	18	rapid	rapid	ADJ
fbem-29331	90	19	development	development	NOUN
fbem-29331	90	20	.	.	PUNCT
fbem-29331	91	1	at	at	ADP
fbem-29331	91	2	the	the	DET
fbem-29331	91	3	same	same	ADJ
fbem-29331	91	4	time	time	NOUN
fbem-29331	91	5	,	,	PUNCT
fbem-29331	91	6	internet	internet	NOUN
fbem-29331	91	7	finance	finance	NOUN
fbem-29331	91	8	not	not	PART
fbem-29331	91	9	only	only	ADV
fbem-29331	91	10	has	have	VERB
fbem-29331	91	11	the	the	DET
fbem-29331	91	12	financial	financial	ADJ
fbem-29331	91	13	risks	risk	NOUN
fbem-29331	91	14	of	of	ADP
fbem-29331	91	15	traditional	traditional	ADJ
fbem-29331	91	16	finance	finance	NOUN
fbem-29331	91	17	,	,	PUNCT
fbem-29331	91	18	but	but	CCONJ
fbem-29331	91	19	also	also	ADV
fbem-29331	91	20	has	have	VERB
fbem-29331	91	21	nonfinancial	nonfinancial	ADJ
fbem-29331	91	22	risks	risk	NOUN
fbem-29331	91	23	that	that	SCONJ
fbem-29331	91	24	traditional	traditional	ADJ
fbem-29331	91	25	finance	finance	NOUN
fbem-29331	91	26	does	do	AUX
fbem-29331	91	27	not	not	PART
fbem-29331	91	28	have	have	VERB
fbem-29331	91	29	,	,	PUNCT
fbem-29331	91	30	and	and	CCONJ
fbem-29331	91	31	the	the	DET
fbem-29331	91	32	risk	risk	NOUN
fbem-29331	91	33	spreads	spread	VERB
fbem-29331	91	34	faster	fast	ADV
fbem-29331	91	35	[	[	X
fbem-29331	91	36	10	10	NUM
fbem-29331	91	37	]	]	PUNCT
fbem-29331	91	38	.	.	PUNCT
fbem-29331	92	1	4.3	4.3	NUM
fbem-29331	92	2	.	.	PUNCT
fbem-29331	92	3	analysis	analysis	NOUN
fbem-29331	92	4	of	of	ADP
fbem-29331	92	5	interaction	interaction	NOUN
fbem-29331	92	6	mechanism	mechanism	NOUN
fbem-29331	92	7	under	under	ADP
fbem-29331	92	8	the	the	DET
fbem-29331	92	9	background	background	NOUN
fbem-29331	92	10	of	of	ADP
fbem-29331	92	11	digital	digital	ADJ
fbem-29331	92	12	economy	economy	NOUN
fbem-29331	92	13	,	,	PUNCT
fbem-29331	92	14	there	there	PRON
fbem-29331	92	15	are	be	VERB
fbem-29331	92	16	multidimensional	multidimensional	ADJ
fbem-29331	92	17	connections	connection	NOUN
fbem-29331	92	18	and	and	CCONJ
fbem-29331	92	19	interactions	interaction	NOUN
fbem-29331	92	20	between	between	ADP
fbem-29331	92	21	traditional	traditional	ADJ
fbem-29331	92	22	finance	finance	NOUN
fbem-29331	92	23	and	and	CCONJ
fbem-29331	92	24	internet	internet	NOUN
fbem-29331	92	25	finance	finance	NOUN
fbem-29331	92	26	.	.	PUNCT
fbem-29331	93	1	traditional	traditional	ADJ
fbem-29331	93	2	finance	finance	NOUN
fbem-29331	93	3	and	and	CCONJ
fbem-29331	93	4	internet	internet	NOUN
fbem-29331	93	5	finance	finance	NOUN
fbem-29331	93	6	face	face	VERB
fbem-29331	93	7	some	some	DET
fbem-29331	93	8	problems	problem	NOUN
fbem-29331	93	9	and	and	CCONJ
fbem-29331	93	10	challenges	challenge	NOUN
fbem-29331	93	11	in	in	ADP
fbem-29331	93	12	their	their	PRON
fbem-29331	93	13	respective	respective	ADJ
fbem-29331	93	14	development	development	NOUN
fbem-29331	93	15	,	,	PUNCT
fbem-29331	93	16	and	and	CCONJ
fbem-29331	93	17	cooperation	cooperation	NOUN
fbem-29331	93	18	has	have	AUX
fbem-29331	93	19	become	become	VERB
fbem-29331	93	20	a	a	DET
fbem-29331	93	21	new	new	ADJ
fbem-29331	93	22	trend	trend	NOUN
fbem-29331	93	23	.	.	PUNCT
fbem-29331	94	1	anatoly	anatoly	PROPN
fbem-29331	94	2	suprun	suprun	PROPN
fbem-29331	94	3	believed	believe	VERB
fbem-29331	94	4	that	that	SCONJ
fbem-29331	94	5	cooperation	cooperation	NOUN
fbem-29331	94	6	may	may	AUX
fbem-29331	94	7	prevail	prevail	VERB
fbem-29331	94	8	over	over	ADP
fbem-29331	94	9	competition	competition	NOUN
fbem-29331	94	10	,	,	PUNCT
fbem-29331	94	11	and	and	CCONJ
fbem-29331	94	12	existing	exist	VERB
fbem-29331	94	13	financial	financial	ADJ
fbem-29331	94	14	institutions	institution	NOUN
fbem-29331	94	15	will	will	AUX
fbem-29331	94	16	reformat	reformat	VERB
fbem-29331	94	17	their	their	PRON
fbem-29331	94	18	architectures	architecture	NOUN
fbem-29331	94	19	and	and	CCONJ
fbem-29331	94	20	take	take	VERB
fbem-29331	94	21	digitalization	digitalization	NOUN
fbem-29331	94	22	as	as	ADP
fbem-29331	94	23	the	the	DET
fbem-29331	94	24	core	core	NOUN
fbem-29331	94	25	[	[	X
fbem-29331	94	26	11	11	NUM
fbem-29331	94	27	]	]	PUNCT
fbem-29331	94	28	.	.	PUNCT
fbem-29331	95	1	by	by	ADP
fbem-29331	95	2	analyzing	analyze	VERB
fbem-29331	95	3	the	the	DET
fbem-29331	95	4	differences	difference	NOUN
fbem-29331	95	5	between	between	ADP
fbem-29331	95	6	traditional	traditional	ADJ
fbem-29331	95	7	finance	finance	NOUN
fbem-29331	95	8	and	and	CCONJ
fbem-29331	95	9	internet	internet	NOUN
fbem-29331	95	10	finance	finance	NOUN
fbem-29331	95	11	in	in	ADP
fbem-29331	95	12	serving	serve	VERB
fbem-29331	95	13	small	small	ADJ
fbem-29331	95	14	and	and	CCONJ
fbem-29331	95	15	medium	medium	ADJ
fbem-29331	95	16	-	-	PUNCT
fbem-29331	95	17	sized	sized	ADJ
fbem-29331	95	18	enterprises	enterprise	NOUN
fbem-29331	95	19	,	,	PUNCT
fbem-29331	95	20	it	it	PRON
fbem-29331	95	21	can	can	AUX
fbem-29331	95	22	be	be	AUX
fbem-29331	95	23	found	find	VERB
fbem-29331	95	24	that	that	SCONJ
fbem-29331	95	25	the	the	DET
fbem-29331	95	26	two	two	NUM
fbem-29331	95	27	financial	financial	ADJ
fbem-29331	95	28	models	model	NOUN
fbem-29331	95	29	each	each	PRON
fbem-29331	95	30	have	have	VERB
fbem-29331	95	31	their	their	PRON
fbem-29331	95	32	unique	unique	ADJ
fbem-29331	95	33	advantages	advantage	NOUN
fbem-29331	95	34	but	but	CCONJ
fbem-29331	95	35	also	also	ADV
fbem-29331	95	36	have	have	VERB
fbem-29331	95	37	certain	certain	ADJ
fbem-29331	95	38	deficiencies	deficiency	NOUN
fbem-29331	95	39	.	.	PUNCT
fbem-29331	96	1	therefore	therefore	ADV
fbem-29331	96	2	,	,	PUNCT
fbem-29331	96	3	they	they	PRON
fbem-29331	96	4	are	be	AUX
fbem-29331	96	5	both	both	ADV
fbem-29331	96	6	competitive	competitive	ADJ
fbem-29331	96	7	and	and	CCONJ
fbem-29331	96	8	interdependent	interdependent	ADJ
fbem-29331	96	9	,	,	PUNCT
fbem-29331	96	10	jointly	jointly	ADV
fbem-29331	96	11	shaping	shape	VERB
fbem-29331	96	12	the	the	DET
fbem-29331	96	13	pattern	pattern	NOUN
fbem-29331	96	14	of	of	ADP
fbem-29331	96	15	the	the	DET
fbem-29331	96	16	modern	modern	ADJ
fbem-29331	96	17	financial	financial	ADJ
fbem-29331	96	18	service	service	NOUN
fbem-29331	96	19	industry	industry	NOUN
fbem-29331	96	20	.	.	PUNCT
fbem-29331	97	1	on	on	ADP
fbem-29331	97	2	the	the	DET
fbem-29331	97	3	one	one	NUM
fbem-29331	97	4	hand	hand	NOUN
fbem-29331	97	5	,	,	PUNCT
fbem-29331	97	6	they	they	PRON
fbem-29331	97	7	compete	compete	VERB
fbem-29331	97	8	in	in	ADP
fbem-29331	97	9	terms	term	NOUN
fbem-29331	97	10	of	of	ADP
fbem-29331	97	11	market	market	NOUN
fbem-29331	97	12	share	share	NOUN
fbem-29331	97	13	,	,	PUNCT
fbem-29331	97	14	customer	customer	NOUN
fbem-29331	97	15	resources	resource	NOUN
fbem-29331	97	16	and	and	CCONJ
fbem-29331	97	17	other	other	ADJ
fbem-29331	97	18	aspects	aspect	NOUN
fbem-29331	97	19	;	;	PUNCT
fbem-29331	97	20	on	on	ADP
fbem-29331	97	21	the	the	DET
fbem-29331	97	22	other	other	ADJ
fbem-29331	97	23	hand	hand	NOUN
fbem-29331	97	24	,	,	PUNCT
fbem-29331	97	25	they	they	PRON
fbem-29331	97	26	also	also	ADV
fbem-29331	97	27	begin	begin	VERB
fbem-29331	97	28	to	to	PART
fbem-29331	97	29	explore	explore	VERB
fbem-29331	97	30	the	the	DET
fbem-29331	97	31	win	win	NOUN
fbem-29331	97	32	-	-	PUNCT
fbem-29331	97	33	win	win	NOUN
fbem-29331	97	34	cooperation	cooperation	NOUN
fbem-29331	97	35	model	model	NOUN
fbem-29331	97	36	,	,	PUNCT
fbem-29331	97	37	such	such	ADJ
fbem-29331	97	38	as	as	ADP
fbem-29331	97	39	traditional	traditional	ADJ
fbem-29331	97	40	financial	financial	ADJ
fbem-29331	97	41	institutions	institution	NOUN
fbem-29331	97	42	investing	invest	VERB
fbem-29331	97	43	in	in	ADP
fbem-29331	97	44	internet	internet	NOUN
fbem-29331	97	45	financial	financial	ADJ
fbem-29331	97	46	enterprises	enterprise	NOUN
fbem-29331	97	47	or	or	CCONJ
fbem-29331	97	48	carrying	carry	VERB
fbem-29331	97	49	out	out	ADP
fbem-29331	97	50	business	business	NOUN
fbem-29331	97	51	cooperation	cooperation	NOUN
fbem-29331	97	52	with	with	ADP
fbem-29331	97	53	them	they	PRON
fbem-29331	97	54	to	to	PART
fbem-29331	97	55	jointly	jointly	ADV
fbem-29331	97	56	develop	develop	VERB
fbem-29331	97	57	new	new	ADJ
fbem-29331	97	58	products	product	NOUN
fbem-29331	97	59	and	and	CCONJ
fbem-29331	97	60	services	service	NOUN
fbem-29331	97	61	.	.	PUNCT
fbem-29331	98	1	since	since	SCONJ
fbem-29331	98	2	traditional	traditional	ADJ
fbem-29331	98	3	finance	finance	NOUN
fbem-29331	98	4	and	and	CCONJ
fbem-29331	98	5	internet	internet	NOUN
fbem-29331	98	6	finance	finance	NOUN
fbem-29331	98	7	have	have	VERB
fbem-29331	98	8	different	different	ADJ
fbem-29331	98	9	emphases	emphasis	NOUN
fbem-29331	98	10	in	in	ADP
fbem-29331	98	11	serving	serve	VERB
fbem-29331	98	12	small	small	ADJ
fbem-29331	98	13	and	and	CCONJ
fbem-29331	98	14	medium	medium	ADJ
fbem-29331	98	15	-	-	PUNCT
fbem-29331	98	16	sized	sized	ADJ
fbem-29331	98	17	enterprises	enterprise	NOUN
fbem-29331	98	18	,	,	PUNCT
fbem-29331	98	19	these	these	DET
fbem-29331	98	20	two	two	NUM
fbem-29331	98	21	financial	financial	ADJ
fbem-29331	98	22	models	model	NOUN
fbem-29331	98	23	form	form	VERB
fbem-29331	98	24	a	a	DET
fbem-29331	98	25	complementary	complementary	ADJ
fbem-29331	98	26	and	and	CCONJ
fbem-29331	98	27	mutually	mutually	ADV
fbem-29331	98	28	promoting	promote	VERB
fbem-29331	98	29	relationship	relationship	NOUN
fbem-29331	98	30	.	.	PUNCT
fbem-29331	99	1	traditional	traditional	ADJ
fbem-29331	99	2	finance	finance	NOUN
fbem-29331	99	3	can	can	AUX
fbem-29331	99	4	provide	provide	VERB
fbem-29331	99	5	large	large	ADJ
fbem-29331	99	6	-	-	PUNCT
fbem-29331	99	7	scale	scale	NOUN
fbem-29331	99	8	and	and	CCONJ
fbem-29331	99	9	long	long	ADJ
fbem-29331	99	10	-	-	PUNCT
fbem-29331	99	11	term	term	NOUN
fbem-29331	99	12	financing	financing	NOUN
fbem-29331	99	13	services	service	NOUN
fbem-29331	99	14	with	with	ADP
fbem-29331	99	15	its	its	PRON
fbem-29331	99	16	solid	solid	ADJ
fbem-29331	99	17	capital	capital	NOUN
fbem-29331	99	18	base	base	NOUN
fbem-29331	99	19	and	and	CCONJ
fbem-29331	99	20	rich	rich	ADJ
fbem-29331	99	21	risk	risk	NOUN
fbem-29331	99	22	management	management	NOUN
fbem-29331	99	23	experience	experience	NOUN
fbem-29331	99	24	;	;	PUNCT
fbem-29331	99	25	while	while	SCONJ
fbem-29331	99	26	internet	internet	NOUN
fbem-29331	99	27	finance	finance	NOUN
fbem-29331	99	28	can	can	AUX
fbem-29331	99	29	meet	meet	VERB
fbem-29331	99	30	small	small	ADJ
fbem-29331	99	31	-	-	PUNCT
fbem-29331	99	32	scale	scale	NOUN
fbem-29331	99	33	and	and	CCONJ
fbem-29331	99	34	short	short	ADJ
fbem-29331	99	35	-	-	PUNCT
fbem-29331	99	36	term	term	NOUN
fbem-29331	99	37	financing	financing	NOUN
fbem-29331	99	38	needs	need	NOUN
fbem-29331	99	39	with	with	ADP
fbem-29331	99	40	its	its	PRON
fbem-29331	99	41	efficient	efficient	ADJ
fbem-29331	99	42	and	and	CCONJ
fbem-29331	99	43	convenient	convenient	ADJ
fbem-29331	99	44	characteristics	characteristic	NOUN
fbem-29331	99	45	.	.	PUNCT
fbem-29331	100	1	secondly	secondly	ADV
fbem-29331	100	2	,	,	PUNCT
fbem-29331	100	3	weiqiang	weiqiang	PROPN
fbem-29331	100	4	zhong	zhong	PROPN
fbem-29331	100	5	&	&	CCONJ
fbem-29331	100	6	tingfeng	tingfeng	PROPN
fbem-29331	100	7	jiang	jiang	PROPN
fbem-29331	100	8	empirically	empirically	ADV
fbem-29331	100	9	proved	prove	VERB
fbem-29331	100	10	that	that	SCONJ
fbem-29331	100	11	internet	internet	NOUN
fbem-29331	100	12	finance	finance	NOUN
fbem-29331	100	13	helps	help	VERB
fbem-29331	100	14	reduce	reduce	VERB
fbem-29331	100	15	the	the	DET
fbem-29331	100	16	exclusiveness	exclusiveness	NOUN
fbem-29331	100	17	of	of	ADP
fbem-29331	100	18	traditional	traditional	ADJ
fbem-29331	100	19	finance	finance	NOUN
fbem-29331	100	20	and	and	CCONJ
fbem-29331	100	21	alleviate	alleviate	VERB
fbem-29331	100	22	the	the	DET
fbem-29331	100	23	imbalance	imbalance	NOUN
fbem-29331	100	24	phenomenon	phenomenon	NOUN
fbem-29331	100	25	of	of	ADP
fbem-29331	100	26	investment	investment	NOUN
fbem-29331	100	27	and	and	CCONJ
fbem-29331	100	28	lending	lending	NOUN
fbem-29331	100	29	exclusion	exclusion	NOUN
fbem-29331	100	30	in	in	ADP
fbem-29331	100	31	the	the	DET
fbem-29331	100	32	traditional	traditional	ADJ
fbem-29331	100	33	financial	financial	ADJ
fbem-29331	100	34	market	market	NOUN
fbem-29331	100	35	[	[	X
fbem-29331	100	36	12	12	NUM
fbem-29331	100	37	]	]	PUNCT
fbem-29331	100	38	.	.	PUNCT
fbem-29331	101	1	the	the	DET
fbem-29331	101	2	rapid	rapid	ADJ
fbem-29331	101	3	development	development	NOUN
fbem-29331	101	4	of	of	ADP
fbem-29331	101	5	internet	internet	NOUN
fbem-29331	101	6	finance	finance	NOUN
fbem-29331	101	7	has	have	AUX
fbem-29331	101	8	broken	break	VERB
fbem-29331	101	9	the	the	DET
fbem-29331	101	10	competitive	competitive	ADJ
fbem-29331	101	11	landscape	landscape	NOUN
fbem-29331	101	12	of	of	ADP
fbem-29331	101	13	traditional	traditional	ADJ
fbem-29331	101	14	financial	financial	ADJ
fbem-29331	101	15	markets	market	NOUN
fbem-29331	101	16	,	,	PUNCT
fbem-29331	101	17	increased	increase	VERB
fbem-29331	101	18	the	the	DET
fbem-29331	101	19	vitality	vitality	NOUN
fbem-29331	101	20	and	and	CCONJ
fbem-29331	101	21	competitiveness	competitiveness	NOUN
fbem-29331	101	22	of	of	ADP
fbem-29331	101	23	the	the	DET
fbem-29331	101	24	market	market	NOUN
fbem-29331	101	25	,	,	PUNCT
fbem-29331	101	26	and	and	CCONJ
fbem-29331	101	27	prompted	prompt	VERB
fbem-29331	101	28	traditional	traditional	ADJ
fbem-29331	101	29	financial	financial	ADJ
fbem-29331	101	30	institutions	institution	NOUN
fbem-29331	101	31	to	to	PART
fbem-29331	101	32	reform	reform	VERB
fbem-29331	101	33	and	and	CCONJ
fbem-29331	101	34	innovate	innovate	VERB
fbem-29331	101	35	to	to	PART
fbem-29331	101	36	meet	meet	VERB
fbem-29331	101	37	the	the	DET
fbem-29331	101	38	new	new	ADJ
fbem-29331	101	39	market	market	NOUN
fbem-29331	101	40	competition	competition	NOUN
fbem-29331	101	41	.	.	PUNCT
fbem-29331	102	1	therefore	therefore	ADV
fbem-29331	102	2	,	,	PUNCT
fbem-29331	102	3	effective	effective	ADJ
fbem-29331	102	4	combination	combination	NOUN
fbem-29331	102	5	of	of	ADP
fbem-29331	102	6	the	the	DET
fbem-29331	102	7	two	two	NUM
fbem-29331	102	8	models	model	NOUN
fbem-29331	102	9	can	can	AUX
fbem-29331	102	10	more	more	ADV
fbem-29331	102	11	comprehensively	comprehensively	ADV
fbem-29331	102	12	meet	meet	VERB
fbem-29331	102	13	the	the	DET
fbem-29331	102	14	financing	financing	NOUN
fbem-29331	102	15	needs	need	NOUN
fbem-29331	102	16	of	of	ADP
fbem-29331	102	17	small	small	ADJ
fbem-29331	102	18	and	and	CCONJ
fbem-29331	102	19	medium	medium	ADJ
fbem-29331	102	20	-	-	PUNCT
fbem-29331	102	21	sized	sized	ADJ
fbem-29331	102	22	enterprises	enterprise	NOUN
fbem-29331	102	23	.	.	PUNCT
fbem-29331	103	1	5	5	X
fbem-29331	103	2	.	.	X
fbem-29331	103	3	optimization	optimization	NOUN
fbem-29331	103	4	strategies	strategy	NOUN
fbem-29331	103	5	for	for	ADP
fbem-29331	103	6	financial	financial	ADJ
fbem-29331	103	7	agglomeration	agglomeration	NOUN
fbem-29331	103	8	5.1	5.1	NUM
fbem-29331	103	9	.	.	PUNCT
fbem-29331	104	1	optimize	optimize	VERB
fbem-29331	104	2	the	the	DET
fbem-29331	104	3	financial	financial	ADJ
fbem-29331	104	4	market	market	NOUN
fbem-29331	104	5	structure	structure	NOUN
fbem-29331	104	6	promoting	promote	VERB
fbem-29331	104	7	the	the	DET
fbem-29331	104	8	deep	deep	ADJ
fbem-29331	104	9	integration	integration	NOUN
fbem-29331	104	10	of	of	ADP
fbem-29331	104	11	traditional	traditional	ADJ
fbem-29331	104	12	finance	finance	NOUN
fbem-29331	104	13	and	and	CCONJ
fbem-29331	104	14	internet	internet	NOUN
fbem-29331	104	15	finance	finance	NOUN
fbem-29331	104	16	and	and	CCONJ
fbem-29331	104	17	building	build	VERB
fbem-29331	104	18	a	a	DET
fbem-29331	104	19	diversified	diversify	VERB
fbem-29331	104	20	financial	financial	ADJ
fbem-29331	104	21	service	service	NOUN
fbem-29331	104	22	system	system	NOUN
fbem-29331	104	23	is	be	AUX
fbem-29331	104	24	the	the	DET
fbem-29331	104	25	primary	primary	ADJ
fbem-29331	104	26	strategy	strategy	NOUN
fbem-29331	104	27	for	for	ADP
fbem-29331	104	28	optimizing	optimize	VERB
fbem-29331	104	29	the	the	DET
fbem-29331	104	30	financial	financial	ADJ
fbem-29331	104	31	market	market	NOUN
fbem-29331	104	32	structure	structure	NOUN
fbem-29331	104	33	.	.	PUNCT
fbem-29331	105	1	in	in	ADP
fbem-29331	105	2	the	the	DET
fbem-29331	105	3	context	context	NOUN
fbem-29331	105	4	of	of	ADP
fbem-29331	105	5	internet	internet	NOUN
fbem-29331	105	6	finance	finance	NOUN
fbem-29331	105	7	,	,	PUNCT
fbem-29331	105	8	traditional	traditional	ADJ
fbem-29331	105	9	financial	financial	ADJ
fbem-29331	105	10	institutions	institution	NOUN
fbem-29331	105	11	need	need	VERB
fbem-29331	105	12	to	to	PART
fbem-29331	105	13	change	change	VERB
fbem-29331	105	14	their	their	PRON
fbem-29331	105	15	business	business	NOUN
fbem-29331	105	16	concepts	concept	NOUN
fbem-29331	105	17	according	accord	VERB
fbem-29331	105	18	to	to	ADP
fbem-29331	105	19	their	their	PRON
fbem-29331	105	20	own	own	ADJ
fbem-29331	105	21	characteristics	characteristic	NOUN
fbem-29331	105	22	,	,	PUNCT
fbem-29331	105	23	innovate	innovate	VERB
fbem-29331	105	24	financial	financial	ADJ
fbem-29331	105	25	service	service	NOUN
fbem-29331	105	26	methods	method	NOUN
fbem-29331	105	27	,	,	PUNCT
fbem-29331	105	28	and	and	CCONJ
fbem-29331	105	29	carry	carry	VERB
fbem-29331	105	30	out	out	ADP
fbem-29331	105	31	diversified	diversified	ADJ
fbem-29331	105	32	businesses	business	NOUN
fbem-29331	105	33	such	such	ADJ
fbem-29331	105	34	as	as	ADP
fbem-29331	105	35	insurance	insurance	NOUN
fbem-29331	105	36	,	,	PUNCT
fbem-29331	105	37	asset	asset	NOUN
fbem-29331	105	38	management	management	NOUN
fbem-29331	105	39	and	and	CCONJ
fbem-29331	105	40	consulting	consulting	NOUN
fbem-29331	105	41	.	.	PUNCT
fbem-29331	106	1	secondly	secondly	ADV
fbem-29331	106	2	,	,	PUNCT
fbem-29331	106	3	encourage	encourage	VERB
fbem-29331	106	4	traditional	traditional	ADJ
fbem-29331	106	5	financial	financial	ADJ
fbem-29331	106	6	institutions	institution	NOUN
fbem-29331	106	7	to	to	PART
fbem-29331	106	8	introduce	introduce	VERB
fbem-29331	106	9	internet	internet	NOUN
fbem-29331	106	10	technology	technology	NOUN
fbem-29331	106	11	to	to	PART
fbem-29331	106	12	optimize	optimize	VERB
fbem-29331	106	13	their	their	PRON
fbem-29331	106	14	service	service	NOUN
fbem-29331	106	15	models	model	NOUN
fbem-29331	106	16	in	in	ADP
fbem-29331	106	17	order	order	NOUN
fbem-29331	106	18	to	to	PART
fbem-29331	106	19	improve	improve	VERB
fbem-29331	106	20	service	service	NOUN
fbem-29331	106	21	efficiency	efficiency	NOUN
fbem-29331	106	22	.	.	PUNCT
fbem-29331	107	1	at	at	ADP
fbem-29331	107	2	the	the	DET
fbem-29331	107	3	same	same	ADJ
fbem-29331	107	4	time	time	NOUN
fbem-29331	107	5	,	,	PUNCT
fbem-29331	107	6	support	support	VERB
fbem-29331	107	7	internet	internet	NOUN
fbem-29331	107	8	finance	finance	NOUN
fbem-29331	107	9	to	to	PART
fbem-29331	107	10	expand	expand	VERB
fbem-29331	107	11	business	business	NOUN
fbem-29331	107	12	scope	scope	NOUN
fbem-29331	107	13	and	and	CCONJ
fbem-29331	107	14	participate	participate	VERB
fbem-29331	107	15	in	in	ADP
fbem-29331	107	16	more	more	ADV
fbem-29331	107	17	traditional	traditional	ADJ
fbem-29331	107	18	financial	financial	ADJ
fbem-29331	107	19	services	service	NOUN
fbem-29331	107	20	to	to	PART
fbem-29331	107	21	enhance	enhance	VERB
fbem-29331	107	22	market	market	NOUN
fbem-29331	107	23	competitiveness	competitiveness	NOUN
fbem-29331	107	24	.	.	PUNCT
fbem-29331	108	1	173	173	NUM
fbem-29331	108	2	5.2	5.2	NUM
fbem-29331	108	3	.	.	PUNCT
fbem-29331	109	1	improve	improve	VERB
fbem-29331	109	2	financial	financial	ADJ
fbem-29331	109	3	service	service	NOUN
fbem-29331	109	4	efficiency	efficiency	NOUN
fbem-29331	109	5	the	the	DET
fbem-29331	109	6	focus	focus	NOUN
fbem-29331	109	7	of	of	ADP
fbem-29331	109	8	improving	improve	VERB
fbem-29331	109	9	financial	financial	ADJ
fbem-29331	109	10	service	service	NOUN
fbem-29331	109	11	efficiency	efficiency	NOUN
fbem-29331	109	12	lies	lie	VERB
fbem-29331	109	13	in	in	ADP
fbem-29331	109	14	the	the	DET
fbem-29331	109	15	application	application	NOUN
fbem-29331	109	16	of	of	ADP
fbem-29331	109	17	digital	digital	ADJ
fbem-29331	109	18	technology	technology	NOUN
fbem-29331	109	19	.	.	PUNCT
fbem-29331	110	1	financial	financial	ADJ
fbem-29331	110	2	institutions	institution	NOUN
fbem-29331	110	3	should	should	AUX
fbem-29331	110	4	increase	increase	VERB
fbem-29331	110	5	the	the	DET
fbem-29331	110	6	application	application	NOUN
fbem-29331	110	7	of	of	ADP
fbem-29331	110	8	artificial	artificial	ADJ
fbem-29331	110	9	intelligence	intelligence	NOUN
fbem-29331	110	10	big	big	ADJ
fbem-29331	110	11	data	datum	NOUN
fbem-29331	110	12	and	and	CCONJ
fbem-29331	110	13	other	other	ADJ
fbem-29331	110	14	technologies	technology	NOUN
fbem-29331	110	15	to	to	PART
fbem-29331	110	16	realize	realize	VERB
fbem-29331	110	17	the	the	DET
fbem-29331	110	18	automation	automation	NOUN
fbem-29331	110	19	and	and	CCONJ
fbem-29331	110	20	intelligence	intelligence	NOUN
fbem-29331	110	21	of	of	ADP
fbem-29331	110	22	business	business	NOUN
fbem-29331	110	23	processes	process	NOUN
fbem-29331	110	24	,	,	PUNCT
fbem-29331	110	25	shorten	shorten	VERB
fbem-29331	110	26	service	service	NOUN
fbem-29331	110	27	time	time	NOUN
fbem-29331	110	28	and	and	CCONJ
fbem-29331	110	29	improve	improve	VERB
fbem-29331	110	30	accuracy	accuracy	NOUN
fbem-29331	110	31	,	,	PUNCT
fbem-29331	110	32	for	for	ADP
fbem-29331	110	33	example	example	NOUN
fbem-29331	110	34	,	,	PUNCT
fbem-29331	110	35	using	use	VERB
fbem-29331	110	36	big	big	ADJ
fbem-29331	110	37	data	datum	NOUN
fbem-29331	110	38	to	to	PART
fbem-29331	110	39	analyze	analyze	VERB
fbem-29331	110	40	customer	customer	NOUN
fbem-29331	110	41	needs	need	VERB
fbem-29331	110	42	[	[	X
fbem-29331	110	43	13	13	NUM
fbem-29331	110	44	]	]	PUNCT
fbem-29331	110	45	.	.	PUNCT
fbem-29331	111	1	at	at	ADP
fbem-29331	111	2	the	the	DET
fbem-29331	111	3	same	same	ADJ
fbem-29331	111	4	time	time	NOUN
fbem-29331	111	5	,	,	PUNCT
fbem-29331	111	6	financial	financial	ADJ
fbem-29331	111	7	institutions	institution	NOUN
fbem-29331	111	8	should	should	AUX
fbem-29331	111	9	simplify	simplify	VERB
fbem-29331	111	10	the	the	DET
fbem-29331	111	11	existing	exist	VERB
fbem-29331	111	12	business	business	NOUN
fbem-29331	111	13	processes	process	NOUN
fbem-29331	111	14	,	,	PUNCT
fbem-29331	111	15	eliminate	eliminate	VERB
fbem-29331	111	16	unnecessary	unnecessary	ADJ
fbem-29331	111	17	links	link	NOUN
fbem-29331	111	18	,	,	PUNCT
fbem-29331	111	19	reduce	reduce	VERB
fbem-29331	111	20	customer	customer	NOUN
fbem-29331	111	21	waiting	waiting	NOUN
fbem-29331	111	22	time	time	NOUN
fbem-29331	111	23	and	and	CCONJ
fbem-29331	111	24	reduce	reduce	VERB
fbem-29331	111	25	operational	operational	ADJ
fbem-29331	111	26	difficulty	difficulty	NOUN
fbem-29331	111	27	.	.	PUNCT
fbem-29331	112	1	in	in	ADP
fbem-29331	112	2	addition	addition	NOUN
fbem-29331	112	3	,	,	PUNCT
fbem-29331	112	4	the	the	DET
fbem-29331	112	5	introduction	introduction	NOUN
fbem-29331	112	6	of	of	ADP
fbem-29331	112	7	innovative	innovative	ADJ
fbem-29331	112	8	technologies	technology	NOUN
fbem-29331	112	9	such	such	ADJ
fbem-29331	112	10	as	as	ADP
fbem-29331	112	11	electronic	electronic	ADJ
fbem-29331	112	12	signatures	signature	NOUN
fbem-29331	112	13	and	and	CCONJ
fbem-29331	112	14	remote	remote	ADJ
fbem-29331	112	15	account	account	NOUN
fbem-29331	112	16	opening	opening	NOUN
fbem-29331	112	17	can	can	AUX
fbem-29331	112	18	reduce	reduce	VERB
fbem-29331	112	19	the	the	DET
fbem-29331	112	20	use	use	NOUN
fbem-29331	112	21	of	of	ADP
fbem-29331	112	22	physical	physical	ADJ
fbem-29331	112	23	documents	document	NOUN
fbem-29331	112	24	and	and	CCONJ
fbem-29331	112	25	cross	cross	VERB
fbem-29331	112	26	geographical	geographical	ADJ
fbem-29331	112	27	restrictions	restriction	NOUN
fbem-29331	112	28	,	,	PUNCT
fbem-29331	112	29	thereby	thereby	ADV
fbem-29331	112	30	further	far	ADV
fbem-29331	112	31	reducing	reduce	VERB
fbem-29331	112	32	operating	operating	NOUN
fbem-29331	112	33	costs	cost	NOUN
fbem-29331	112	34	and	and	CCONJ
fbem-29331	112	35	expanding	expand	VERB
fbem-29331	112	36	service	service	NOUN
fbem-29331	112	37	scope	scope	NOUN
fbem-29331	112	38	.	.	PUNCT
fbem-29331	113	1	5.3	5.3	NUM
fbem-29331	113	2	.	.	PUNCT
fbem-29331	113	3	promote	promote	VERB
fbem-29331	113	4	financial	financial	ADJ
fbem-29331	113	5	product	product	NOUN
fbem-29331	113	6	innovation	innovation	NOUN
fbem-29331	113	7	according	accord	VERB
fbem-29331	113	8	to	to	ADP
fbem-29331	113	9	the	the	DET
fbem-29331	113	10	diversified	diversify	VERB
fbem-29331	113	11	financing	financing	NOUN
fbem-29331	113	12	needs	need	NOUN
fbem-29331	113	13	of	of	ADP
fbem-29331	113	14	enterprises	enterprise	NOUN
fbem-29331	113	15	of	of	ADP
fbem-29331	113	16	different	different	ADJ
fbem-29331	113	17	scales	scale	NOUN
fbem-29331	113	18	and	and	CCONJ
fbem-29331	113	19	types	type	NOUN
fbem-29331	113	20	,	,	PUNCT
fbem-29331	113	21	differentiated	differentiate	VERB
fbem-29331	113	22	financial	financial	ADJ
fbem-29331	113	23	products	product	NOUN
fbem-29331	113	24	and	and	CCONJ
fbem-29331	113	25	services	service	NOUN
fbem-29331	113	26	should	should	AUX
fbem-29331	113	27	be	be	AUX
fbem-29331	113	28	designed	design	VERB
fbem-29331	113	29	.	.	PUNCT
fbem-29331	114	1	this	this	PRON
fbem-29331	114	2	includes	include	VERB
fbem-29331	114	3	providing	provide	VERB
fbem-29331	114	4	lowthreshold	lowthreshold	ADJ
fbem-29331	114	5	and	and	CCONJ
fbem-29331	114	6	high	high	ADJ
fbem-29331	114	7	-	-	PUNCT
fbem-29331	114	8	efficiency	efficiency	NOUN
fbem-29331	114	9	financing	financing	NOUN
fbem-29331	114	10	methods	method	NOUN
fbem-29331	114	11	such	such	ADJ
fbem-29331	114	12	as	as	ADP
fbem-29331	114	13	microloan	microloan	NOUN
fbem-29331	114	14	products	product	NOUN
fbem-29331	114	15	and	and	CCONJ
fbem-29331	114	16	quick	quick	ADJ
fbem-29331	114	17	-	-	PUNCT
fbem-29331	114	18	approval	approval	NOUN
fbem-29331	114	19	credit	credit	NOUN
fbem-29331	114	20	loans	loan	NOUN
fbem-29331	114	21	.	.	PUNCT
fbem-29331	115	1	a	a	DET
fbem-29331	115	2	financial	financial	ADJ
fbem-29331	115	3	service	service	NOUN
fbem-29331	115	4	plan	plan	NOUN
fbem-29331	115	5	specially	specially	ADV
fbem-29331	115	6	designed	design	VERB
fbem-29331	115	7	for	for	ADP
fbem-29331	115	8	small	small	ADJ
fbem-29331	115	9	and	and	CCONJ
fbem-29331	115	10	medium	medium	ADJ
fbem-29331	115	11	-	-	PUNCT
fbem-29331	115	12	sized	sized	ADJ
fbem-29331	115	13	enterprises	enterprise	NOUN
fbem-29331	115	14	based	base	VERB
fbem-29331	115	15	on	on	ADP
fbem-29331	115	16	the	the	DET
fbem-29331	115	17	characteristics	characteristic	NOUN
fbem-29331	115	18	of	of	ADP
fbem-29331	115	19	the	the	DET
fbem-29331	115	20	small	small	ADJ
fbem-29331	115	21	and	and	CCONJ
fbem-29331	115	22	medium	medium	ADJ
fbem-29331	115	23	-	-	PUNCT
fbem-29331	115	24	sized	sized	ADJ
fbem-29331	115	25	enterprise	enterprise	NOUN
fbem-29331	115	26	industry	industry	NOUN
fbem-29331	115	27	,	,	PUNCT
fbem-29331	115	28	such	such	ADJ
fbem-29331	115	29	as	as	ADP
fbem-29331	115	30	venture	venture	NOUN
fbem-29331	115	31	capital	capital	NOUN
fbem-29331	115	32	,	,	PUNCT
fbem-29331	115	33	can	can	AUX
fbem-29331	115	34	also	also	ADV
fbem-29331	115	35	be	be	AUX
fbem-29331	115	36	provided	provide	VERB
fbem-29331	115	37	.	.	PUNCT
fbem-29331	116	1	at	at	ADP
fbem-29331	116	2	the	the	DET
fbem-29331	116	3	same	same	ADJ
fbem-29331	116	4	time	time	NOUN
fbem-29331	116	5	,	,	PUNCT
fbem-29331	116	6	financial	financial	ADJ
fbem-29331	116	7	institutions	institution	NOUN
fbem-29331	116	8	can	can	AUX
fbem-29331	116	9	innovate	innovate	VERB
fbem-29331	116	10	financing	financing	NOUN
fbem-29331	116	11	models	model	NOUN
fbem-29331	116	12	such	such	ADJ
fbem-29331	116	13	as	as	ADP
fbem-29331	116	14	equity	equity	NOUN
fbem-29331	116	15	crowdfunding	crowdfunding	NOUN
fbem-29331	116	16	and	and	CCONJ
fbem-29331	116	17	supply	supply	VERB
fbem-29331	116	18	chain	chain	NOUN
fbem-29331	116	19	financing	financing	NOUN
fbem-29331	116	20	to	to	PART
fbem-29331	116	21	provide	provide	VERB
fbem-29331	116	22	more	more	ADV
fbem-29331	116	23	diversified	diversified	ADJ
fbem-29331	116	24	financing	financing	NOUN
fbem-29331	116	25	choices	choice	NOUN
fbem-29331	116	26	for	for	ADP
fbem-29331	116	27	small	small	ADJ
fbem-29331	116	28	and	and	CCONJ
fbem-29331	116	29	medium	medium	ADJ
fbem-29331	116	30	-	-	PUNCT
fbem-29331	116	31	sized	sized	ADJ
fbem-29331	116	32	enterprises	enterprise	NOUN
fbem-29331	116	33	;	;	PUNCT
fbem-29331	116	34	strengthen	strengthen	VERB
fbem-29331	116	35	cooperation	cooperation	NOUN
fbem-29331	116	36	in	in	ADP
fbem-29331	116	37	different	different	ADJ
fbem-29331	116	38	fields	field	NOUN
fbem-29331	116	39	and	and	CCONJ
fbem-29331	116	40	broaden	broaden	VERB
fbem-29331	116	41	financing	financing	NOUN
fbem-29331	116	42	channels	channel	NOUN
fbem-29331	116	43	through	through	ADP
fbem-29331	116	44	cross	cross	ADJ
fbem-29331	116	45	-	-	ADJ
fbem-29331	116	46	border	border	ADJ
fbem-29331	116	47	cooperation	cooperation	NOUN
fbem-29331	116	48	.	.	PUNCT
fbem-29331	117	1	5.4	5.4	NUM
fbem-29331	117	2	.	.	PUNCT
fbem-29331	117	3	reasonably	reasonably	ADV
fbem-29331	117	4	allocate	allocate	VERB
fbem-29331	117	5	financial	financial	ADJ
fbem-29331	117	6	resources	resource	NOUN
fbem-29331	117	7	the	the	DET
fbem-29331	117	8	government	government	NOUN
fbem-29331	117	9	and	and	CCONJ
fbem-29331	117	10	financial	financial	ADJ
fbem-29331	117	11	institutions	institution	NOUN
fbem-29331	117	12	need	need	VERB
fbem-29331	117	13	to	to	PART
fbem-29331	117	14	reasonably	reasonably	ADV
fbem-29331	117	15	allocate	allocate	VERB
fbem-29331	117	16	financial	financial	ADJ
fbem-29331	117	17	resources	resource	NOUN
fbem-29331	117	18	and	and	CCONJ
fbem-29331	117	19	improve	improve	VERB
fbem-29331	117	20	resource	resource	NOUN
fbem-29331	117	21	utilization	utilization	NOUN
fbem-29331	117	22	efficiency	efficiency	NOUN
fbem-29331	117	23	,	,	PUNCT
fbem-29331	117	24	increase	increase	VERB
fbem-29331	117	25	financial	financial	ADJ
fbem-29331	117	26	support	support	NOUN
fbem-29331	117	27	for	for	ADP
fbem-29331	117	28	underdeveloped	underdeveloped	ADJ
fbem-29331	117	29	areas	area	NOUN
fbem-29331	117	30	and	and	CCONJ
fbem-29331	117	31	rural	rural	ADJ
fbem-29331	117	32	areas	area	NOUN
fbem-29331	117	33	,	,	PUNCT
fbem-29331	117	34	and	and	CCONJ
fbem-29331	117	35	guide	guide	VERB
fbem-29331	117	36	financial	financial	ADJ
fbem-29331	117	37	resources	resource	NOUN
fbem-29331	117	38	to	to	PART
fbem-29331	117	39	flow	flow	VERB
fbem-29331	117	40	to	to	ADP
fbem-29331	117	41	these	these	DET
fbem-29331	117	42	areas	area	NOUN
fbem-29331	117	43	by	by	ADP
fbem-29331	117	44	setting	set	VERB
fbem-29331	117	45	up	up	ADP
fbem-29331	117	46	special	special	ADJ
fbem-29331	117	47	funds	fund	NOUN
fbem-29331	117	48	and	and	CCONJ
fbem-29331	117	49	preferential	preferential	ADJ
fbem-29331	117	50	policies	policy	NOUN
fbem-29331	117	51	.	.	PUNCT
fbem-29331	118	1	meanwhile	meanwhile	ADV
fbem-29331	118	2	,	,	PUNCT
fbem-29331	118	3	government	government	NOUN
fbem-29331	118	4	can	can	AUX
fbem-29331	118	5	set	set	VERB
fbem-29331	118	6	up	up	ADP
fbem-29331	118	7	special	special	ADJ
fbem-29331	118	8	credit	credit	NOUN
fbem-29331	118	9	lines	line	NOUN
fbem-29331	118	10	and	and	CCONJ
fbem-29331	118	11	provide	provide	VERB
fbem-29331	118	12	financial	financial	ADJ
fbem-29331	118	13	subsidies	subsidy	NOUN
fbem-29331	118	14	to	to	PART
fbem-29331	118	15	alleviate	alleviate	VERB
fbem-29331	118	16	the	the	DET
fbem-29331	118	17	financing	financing	NOUN
fbem-29331	118	18	pressure	pressure	NOUN
fbem-29331	118	19	on	on	ADP
fbem-29331	118	20	small	small	ADJ
fbem-29331	118	21	and	and	CCONJ
fbem-29331	118	22	medium	medium	ADJ
fbem-29331	118	23	-	-	PUNCT
fbem-29331	118	24	sized	sized	ADJ
fbem-29331	118	25	enterprises	enterprise	NOUN
fbem-29331	118	26	,	,	PUNCT
fbem-29331	118	27	promoting	promote	VERB
fbem-29331	118	28	economic	economic	ADJ
fbem-29331	118	29	development	development	NOUN
fbem-29331	118	30	.	.	PUNCT
fbem-29331	119	1	5.5	5.5	NUM
fbem-29331	119	2	.	.	PUNCT
fbem-29331	120	1	strengthen	strengthen	VERB
fbem-29331	120	2	risk	risk	NOUN
fbem-29331	120	3	management	management	NOUN
fbem-29331	120	4	while	while	SCONJ
fbem-29331	120	5	promoting	promote	VERB
fbem-29331	120	6	the	the	DET
fbem-29331	120	7	development	development	NOUN
fbem-29331	120	8	of	of	ADP
fbem-29331	120	9	financial	financial	ADJ
fbem-29331	120	10	markets	market	NOUN
fbem-29331	120	11	,	,	PUNCT
fbem-29331	120	12	we	we	PRON
fbem-29331	120	13	also	also	ADV
fbem-29331	120	14	need	need	VERB
fbem-29331	120	15	to	to	PART
fbem-29331	120	16	pay	pay	VERB
fbem-29331	120	17	attention	attention	NOUN
fbem-29331	120	18	to	to	ADP
fbem-29331	120	19	risk	risk	NOUN
fbem-29331	120	20	management	management	NOUN
fbem-29331	120	21	and	and	CCONJ
fbem-29331	120	22	continuously	continuously	ADV
fbem-29331	120	23	improve	improve	VERB
fbem-29331	120	24	the	the	DET
fbem-29331	120	25	financial	financial	ADJ
fbem-29331	120	26	supervision	supervision	NOUN
fbem-29331	120	27	system	system	NOUN
fbem-29331	120	28	.	.	PUNCT
fbem-29331	121	1	financial	financial	ADJ
fbem-29331	121	2	regulatory	regulatory	ADJ
fbem-29331	121	3	institutions	institution	NOUN
fbem-29331	121	4	should	should	AUX
fbem-29331	121	5	build	build	VERB
fbem-29331	121	6	a	a	DET
fbem-29331	121	7	sound	sound	ADJ
fbem-29331	121	8	financial	financial	ADJ
fbem-29331	121	9	risk	risk	NOUN
fbem-29331	121	10	assessment	assessment	NOUN
fbem-29331	121	11	system	system	NOUN
fbem-29331	121	12	and	and	CCONJ
fbem-29331	121	13	early	early	ADJ
fbem-29331	121	14	warning	warning	NOUN
fbem-29331	121	15	mechanism	mechanism	NOUN
fbem-29331	121	16	,	,	PUNCT
fbem-29331	121	17	identify	identify	VERB
fbem-29331	121	18	and	and	CCONJ
fbem-29331	121	19	deal	deal	VERB
fbem-29331	121	20	with	with	ADP
fbem-29331	121	21	potential	potential	ADJ
fbem-29331	121	22	risk	risk	NOUN
fbem-29331	121	23	points	point	NOUN
fbem-29331	121	24	in	in	ADP
fbem-29331	121	25	time	time	NOUN
fbem-29331	121	26	,	,	PUNCT
fbem-29331	121	27	strengthen	strengthen	VERB
fbem-29331	121	28	the	the	DET
fbem-29331	121	29	monitoring	monitoring	NOUN
fbem-29331	121	30	and	and	CCONJ
fbem-29331	121	31	analysis	analysis	NOUN
fbem-29331	121	32	of	of	ADP
fbem-29331	121	33	market	market	NOUN
fbem-29331	121	34	dynamics	dynamic	NOUN
fbem-29331	121	35	,	,	PUNCT
fbem-29331	121	36	and	and	CCONJ
fbem-29331	121	37	adjust	adjust	VERB
fbem-29331	121	38	risk	risk	NOUN
fbem-29331	121	39	management	management	NOUN
fbem-29331	121	40	strategies	strategy	NOUN
fbem-29331	121	41	in	in	ADP
fbem-29331	121	42	time	time	NOUN
fbem-29331	121	43	.	.	PUNCT
fbem-29331	122	1	in	in	ADP
fbem-29331	122	2	addition	addition	NOUN
fbem-29331	122	3	,	,	PUNCT
fbem-29331	122	4	we	we	PRON
fbem-29331	122	5	should	should	AUX
fbem-29331	122	6	also	also	ADV
fbem-29331	122	7	enhance	enhance	VERB
fbem-29331	122	8	the	the	DET
fbem-29331	122	9	public	public	NOUN
fbem-29331	122	10	's	's	PART
fbem-29331	122	11	risk	risk	NOUN
fbem-29331	122	12	awareness	awareness	NOUN
fbem-29331	122	13	and	and	CCONJ
fbem-29331	122	14	improve	improve	VERB
fbem-29331	122	15	the	the	DET
fbem-29331	122	16	whole	whole	ADJ
fbem-29331	122	17	society	society	NOUN
fbem-29331	122	18	's	's	PART
fbem-29331	122	19	awareness	awareness	NOUN
fbem-29331	122	20	and	and	CCONJ
fbem-29331	122	21	prevention	prevention	NOUN
fbem-29331	122	22	ability	ability	NOUN
fbem-29331	122	23	of	of	ADP
fbem-29331	122	24	financial	financial	ADJ
fbem-29331	122	25	risks	risk	NOUN
fbem-29331	122	26	.	.	PUNCT
fbem-29331	123	1	6	6	X
fbem-29331	123	2	.	.	X
fbem-29331	123	3	conclusion	conclusion	NOUN
fbem-29331	123	4	and	and	CCONJ
fbem-29331	123	5	prospect	prospect	NOUN
fbem-29331	123	6	beginning	begin	VERB
fbem-29331	123	7	with	with	ADP
fbem-29331	123	8	the	the	DET
fbem-29331	123	9	overall	overall	ADJ
fbem-29331	123	10	context	context	NOUN
fbem-29331	123	11	of	of	ADP
fbem-29331	123	12	the	the	DET
fbem-29331	123	13	digital	digital	ADJ
fbem-29331	123	14	economy	economy	NOUN
fbem-29331	123	15	,	,	PUNCT
fbem-29331	123	16	this	this	DET
fbem-29331	123	17	paper	paper	NOUN
fbem-29331	123	18	deeply	deeply	ADV
fbem-29331	123	19	discusses	discuss	VERB
fbem-29331	123	20	the	the	DET
fbem-29331	123	21	phenomenon	phenomenon	NOUN
fbem-29331	123	22	of	of	ADP
fbem-29331	123	23	financial	financial	ADJ
fbem-29331	123	24	agglomeration	agglomeration	NOUN
fbem-29331	123	25	and	and	CCONJ
fbem-29331	123	26	its	its	PRON
fbem-29331	123	27	double	double	ADJ
fbem-29331	123	28	-	-	PUNCT
fbem-29331	123	29	sided	sided	ADJ
fbem-29331	123	30	impact	impact	NOUN
fbem-29331	123	31	on	on	ADP
fbem-29331	123	32	the	the	DET
fbem-29331	123	33	development	development	NOUN
fbem-29331	123	34	of	of	ADP
fbem-29331	123	35	small	small	ADJ
fbem-29331	123	36	and	and	CCONJ
fbem-29331	123	37	medium	medium	ADJ
fbem-29331	123	38	-	-	PUNCT
fbem-29331	123	39	sized	sized	ADJ
fbem-29331	123	40	enterprises	enterprise	NOUN
fbem-29331	123	41	.	.	PUNCT
fbem-29331	124	1	an	an	DET
fbem-29331	124	2	examination	examination	NOUN
fbem-29331	124	3	of	of	ADP
fbem-29331	124	4	conventional	conventional	ADJ
fbem-29331	124	5	and	and	CCONJ
fbem-29331	124	6	online	online	ADJ
fbem-29331	124	7	finance	finance	NOUN
fbem-29331	124	8	uncovers	uncover	NOUN
fbem-29331	124	9	the	the	DET
fbem-29331	124	10	pros	pro	NOUN
fbem-29331	124	11	and	and	CCONJ
fbem-29331	124	12	cons	con	NOUN
fbem-29331	124	13	of	of	ADP
fbem-29331	124	14	each	each	PRON
fbem-29331	124	15	for	for	ADP
fbem-29331	124	16	small	small	ADJ
fbem-29331	124	17	and	and	CCONJ
fbem-29331	124	18	medium	medium	NOUN
fbem-29331	124	19	businesses	business	NOUN
fbem-29331	124	20	,	,	PUNCT
fbem-29331	124	21	scrutinizes	scrutinize	VERB
fbem-29331	124	22	their	their	PRON
fbem-29331	124	23	interconnection	interconnection	NOUN
fbem-29331	124	24	,	,	PUNCT
fbem-29331	124	25	and	and	CCONJ
fbem-29331	124	26	proposes	propose	VERB
fbem-29331	124	27	pertinent	pertinent	ADJ
fbem-29331	124	28	optimization	optimization	NOUN
fbem-29331	124	29	tactics	tactic	NOUN
fbem-29331	124	30	.	.	PUNCT
fbem-29331	125	1	research	research	NOUN
fbem-29331	125	2	indicates	indicate	VERB
fbem-29331	125	3	that	that	SCONJ
fbem-29331	125	4	while	while	SCONJ
fbem-29331	125	5	financial	financial	ADJ
fbem-29331	125	6	agglomeration	agglomeration	NOUN
fbem-29331	125	7	offers	offer	VERB
fbem-29331	125	8	effective	effective	ADJ
fbem-29331	125	9	financial	financial	ADJ
fbem-29331	125	10	solutions	solution	NOUN
fbem-29331	125	11	and	and	CCONJ
fbem-29331	125	12	wideranging	widerange	VERB
fbem-29331	125	13	funding	funding	NOUN
fbem-29331	125	14	avenues	avenue	NOUN
fbem-29331	125	15	for	for	ADP
fbem-29331	125	16	small	small	ADJ
fbem-29331	125	17	and	and	CCONJ
fbem-29331	125	18	medium	medium	NOUN
fbem-29331	125	19	businesses	business	NOUN
fbem-29331	125	20	,	,	PUNCT
fbem-29331	125	21	it	it	PRON
fbem-29331	125	22	also	also	ADV
fbem-29331	125	23	presents	present	VERB
fbem-29331	125	24	difficulties	difficulty	NOUN
fbem-29331	125	25	like	like	ADP
fbem-29331	125	26	inconsistent	inconsistent	ADJ
fbem-29331	125	27	resource	resource	NOUN
fbem-29331	125	28	distribution	distribution	NOUN
fbem-29331	125	29	and	and	CCONJ
fbem-29331	125	30	managing	manage	VERB
fbem-29331	125	31	risks	risk	NOUN
fbem-29331	125	32	.	.	PUNCT
fbem-29331	126	1	at	at	ADP
fbem-29331	126	2	the	the	DET
fbem-29331	126	3	same	same	ADJ
fbem-29331	126	4	time	time	NOUN
fbem-29331	126	5	,	,	PUNCT
fbem-29331	126	6	traditional	traditional	ADJ
fbem-29331	126	7	finance	finance	NOUN
fbem-29331	126	8	and	and	CCONJ
fbem-29331	126	9	internet	internet	NOUN
fbem-29331	126	10	finance	finance	NOUN
fbem-29331	126	11	should	should	AUX
fbem-29331	126	12	compete	compete	VERB
fbem-29331	126	13	and	and	CCONJ
fbem-29331	126	14	cooperate	cooperate	VERB
fbem-29331	126	15	with	with	ADP
fbem-29331	126	16	each	each	DET
fbem-29331	126	17	other	other	ADJ
fbem-29331	126	18	to	to	PART
fbem-29331	126	19	better	well	ADV
fbem-29331	126	20	meet	meet	VERB
fbem-29331	126	21	the	the	DET
fbem-29331	126	22	financing	financing	NOUN
fbem-29331	126	23	needs	need	NOUN
fbem-29331	126	24	and	and	CCONJ
fbem-29331	126	25	promote	promote	VERB
fbem-29331	126	26	the	the	DET
fbem-29331	126	27	development	development	NOUN
fbem-29331	126	28	of	of	ADP
fbem-29331	126	29	small	small	ADJ
fbem-29331	126	30	and	and	CCONJ
fbem-29331	126	31	medium	medium	ADJ
fbem-29331	126	32	enterprises	enterprise	NOUN
fbem-29331	126	33	.	.	PUNCT
fbem-29331	127	1	in	in	ADP
fbem-29331	127	2	addition	addition	NOUN
fbem-29331	127	3	,	,	PUNCT
fbem-29331	127	4	through	through	ADP
fbem-29331	127	5	five	five	NUM
fbem-29331	127	6	major	major	ADJ
fbem-29331	127	7	strategies	strategy	NOUN
fbem-29331	127	8	such	such	ADJ
fbem-29331	127	9	as	as	ADP
fbem-29331	127	10	optimizing	optimize	VERB
fbem-29331	127	11	the	the	DET
fbem-29331	127	12	financial	financial	ADJ
fbem-29331	127	13	market	market	NOUN
fbem-29331	127	14	structure	structure	NOUN
fbem-29331	127	15	,	,	PUNCT
fbem-29331	127	16	improving	improve	VERB
fbem-29331	127	17	the	the	DET
fbem-29331	127	18	efficiency	efficiency	NOUN
fbem-29331	127	19	of	of	ADP
fbem-29331	127	20	financial	financial	ADJ
fbem-29331	127	21	services	service	NOUN
fbem-29331	127	22	and	and	CCONJ
fbem-29331	127	23	promoting	promote	VERB
fbem-29331	127	24	financial	financial	ADJ
fbem-29331	127	25	product	product	NOUN
fbem-29331	127	26	innovation	innovation	NOUN
fbem-29331	127	27	,	,	PUNCT
fbem-29331	127	28	effectively	effectively	ADV
fbem-29331	127	29	respond	respond	VERB
fbem-29331	127	30	to	to	ADP
fbem-29331	127	31	challenges	challenge	NOUN
fbem-29331	127	32	and	and	CCONJ
fbem-29331	127	33	improve	improve	VERB
fbem-29331	127	34	the	the	DET
fbem-29331	127	35	financial	financial	ADJ
fbem-29331	127	36	service	service	NOUN
fbem-29331	127	37	environment	environment	NOUN
fbem-29331	127	38	for	for	ADP
fbem-29331	127	39	small	small	ADJ
fbem-29331	127	40	and	and	CCONJ
fbem-29331	127	41	medium	medium	ADJ
fbem-29331	127	42	-	-	PUNCT
fbem-29331	127	43	sized	sized	ADJ
fbem-29331	127	44	enterprises	enterprise	NOUN
fbem-29331	127	45	.	.	PUNCT
fbem-29331	128	1	the	the	DET
fbem-29331	128	2	innovation	innovation	NOUN
fbem-29331	128	3	of	of	ADP
fbem-29331	128	4	this	this	DET
fbem-29331	128	5	article	article	NOUN
fbem-29331	128	6	lies	lie	VERB
fbem-29331	128	7	in	in	ADP
fbem-29331	128	8	two	two	NUM
fbem-29331	128	9	points	point	NOUN
fbem-29331	128	10	:	:	PUNCT
fbem-29331	128	11	first	first	ADV
fbem-29331	128	12	of	of	ADP
fbem-29331	128	13	all	all	PRON
fbem-29331	128	14	,	,	PUNCT
fbem-29331	128	15	innovative	innovative	ADJ
fbem-29331	128	16	research	research	NOUN
fbem-29331	128	17	perspectives	perspective	NOUN
fbem-29331	128	18	.	.	PUNCT
fbem-29331	129	1	starting	start	VERB
fbem-29331	129	2	from	from	ADP
fbem-29331	129	3	the	the	DET
fbem-29331	129	4	two	two	NUM
fbem-29331	129	5	-	-	PUNCT
fbem-29331	129	6	sided	sided	ADJ
fbem-29331	129	7	impact	impact	NOUN
fbem-29331	129	8	of	of	ADP
fbem-29331	129	9	financial	financial	ADJ
fbem-29331	129	10	agglomeration	agglomeration	NOUN
fbem-29331	129	11	,	,	PUNCT
fbem-29331	129	12	taking	take	VERB
fbem-29331	129	13	exploring	explore	VERB
fbem-29331	129	14	the	the	DET
fbem-29331	129	15	interaction	interaction	NOUN
fbem-29331	129	16	between	between	ADP
fbem-29331	129	17	traditional	traditional	ADJ
fbem-29331	129	18	finance	finance	NOUN
fbem-29331	129	19	and	and	CCONJ
fbem-29331	129	20	internet	internet	NOUN
fbem-29331	129	21	finance	finance	NOUN
fbem-29331	129	22	as	as	ADP
fbem-29331	129	23	the	the	DET
fbem-29331	129	24	main	main	ADJ
fbem-29331	129	25	line	line	NOUN
fbem-29331	129	26	to	to	PART
fbem-29331	129	27	solve	solve	VERB
fbem-29331	129	28	the	the	DET
fbem-29331	129	29	problem	problem	NOUN
fbem-29331	129	30	of	of	ADP
fbem-29331	129	31	the	the	DET
fbem-29331	129	32	adverse	adverse	ADJ
fbem-29331	129	33	impact	impact	NOUN
fbem-29331	129	34	of	of	ADP
fbem-29331	129	35	financial	financial	ADJ
fbem-29331	129	36	agglomeration	agglomeration	NOUN
fbem-29331	129	37	.	.	PUNCT
fbem-29331	130	1	secondly	secondly	ADV
fbem-29331	130	2	,	,	PUNCT
fbem-29331	130	3	in	in	ADP
fbem-29331	130	4	terms	term	NOUN
fbem-29331	130	5	of	of	ADP
fbem-29331	130	6	research	research	NOUN
fbem-29331	130	7	methods	method	NOUN
fbem-29331	130	8	.	.	PUNCT
fbem-29331	131	1	this	this	DET
fbem-29331	131	2	paper	paper	NOUN
fbem-29331	131	3	adopts	adopt	VERB
fbem-29331	131	4	a	a	DET
fbem-29331	131	5	comprehensive	comprehensive	ADJ
fbem-29331	131	6	research	research	NOUN
fbem-29331	131	7	method	method	NOUN
fbem-29331	131	8	of	of	ADP
fbem-29331	131	9	multiple	multiple	ADJ
fbem-29331	131	10	research	research	NOUN
fbem-29331	131	11	methods	method	NOUN
fbem-29331	131	12	.	.	PUNCT
fbem-29331	132	1	through	through	ADP
fbem-29331	132	2	literature	literature	PROPN
fbem-29331	132	3	review	review	PROPN
fbem-29331	132	4	,	,	PUNCT
fbem-29331	132	5	it	it	PRON
fbem-29331	132	6	sorts	sort	VERB
fbem-29331	132	7	out	out	ADP
fbem-29331	132	8	and	and	CCONJ
fbem-29331	132	9	analyzes	analyze	VERB
fbem-29331	132	10	existing	exist	VERB
fbem-29331	132	11	literature	literature	NOUN
fbem-29331	132	12	to	to	PART
fbem-29331	132	13	solve	solve	VERB
fbem-29331	132	14	the	the	DET
fbem-29331	132	15	theoretical	theoretical	ADJ
fbem-29331	132	16	foundation	foundation	NOUN
fbem-29331	132	17	problem	problem	NOUN
fbem-29331	132	18	of	of	ADP
fbem-29331	132	19	this	this	DET
fbem-29331	132	20	paper	paper	NOUN
fbem-29331	132	21	.	.	PUNCT
fbem-29331	133	1	through	through	ADP
fbem-29331	133	2	questionnaires	questionnaire	NOUN
fbem-29331	133	3	and	and	CCONJ
fbem-29331	133	4	cutting	cutting	NOUN
fbem-29331	133	5	-	-	PUNCT
fbem-29331	133	6	edge	edge	NOUN
fbem-29331	133	7	research	research	NOUN
fbem-29331	133	8	,	,	PUNCT
fbem-29331	133	9	rich	rich	ADJ
fbem-29331	133	10	materials	material	NOUN
fbem-29331	133	11	are	be	AUX
fbem-29331	133	12	obtained	obtain	VERB
fbem-29331	133	13	.	.	PUNCT
fbem-29331	134	1	through	through	ADP
fbem-29331	134	2	comparative	comparative	ADJ
fbem-29331	134	3	research	research	NOUN
fbem-29331	134	4	,	,	PUNCT
fbem-29331	134	5	practical	practical	ADJ
fbem-29331	134	6	experience	experience	NOUN
fbem-29331	134	7	summaries	summary	NOUN
fbem-29331	134	8	of	of	ADP
fbem-29331	134	9	the	the	DET
fbem-29331	134	10	different	different	ADJ
fbem-29331	134	11	advantages	advantage	NOUN
fbem-29331	134	12	and	and	CCONJ
fbem-29331	134	13	limitations	limitation	NOUN
fbem-29331	134	14	of	of	ADP
fbem-29331	134	15	traditional	traditional	ADJ
fbem-29331	134	16	finance	finance	NOUN
fbem-29331	134	17	and	and	CCONJ
fbem-29331	134	18	internet	internet	NOUN
fbem-29331	134	19	finance	finance	NOUN
fbem-29331	134	20	in	in	ADP
fbem-29331	134	21	serving	serve	VERB
fbem-29331	134	22	small	small	ADJ
fbem-29331	134	23	and	and	CCONJ
fbem-29331	134	24	medium	medium	ADJ
fbem-29331	134	25	-	-	PUNCT
fbem-29331	134	26	sized	sized	ADJ
fbem-29331	134	27	enterprises	enterprise	NOUN
fbem-29331	134	28	are	be	AUX
fbem-29331	134	29	presented	present	VERB
fbem-29331	134	30	.	.	PUNCT
fbem-29331	135	1	future	future	ADJ
fbem-29331	135	2	research	research	NOUN
fbem-29331	135	3	can	can	AUX
fbem-29331	135	4	be	be	AUX
fbem-29331	135	5	carried	carry	VERB
fbem-29331	135	6	out	out	ADP
fbem-29331	135	7	in	in	ADP
fbem-29331	135	8	aspects	aspect	NOUN
fbem-29331	135	9	such	such	ADJ
fbem-29331	135	10	as	as	ADP
fbem-29331	135	11	empirically	empirically	ADV
fbem-29331	135	12	verifying	verify	VERB
fbem-29331	135	13	optimization	optimization	NOUN
fbem-29331	135	14	strategies	strategy	NOUN
fbem-29331	135	15	,	,	PUNCT
fbem-29331	135	16	exploring	explore	VERB
fbem-29331	135	17	innovative	innovative	ADJ
fbem-29331	135	18	applications	application	NOUN
fbem-29331	135	19	of	of	ADP
fbem-29331	135	20	digital	digital	ADJ
fbem-29331	135	21	technology	technology	NOUN
fbem-29331	135	22	,	,	PUNCT
fbem-29331	135	23	and	and	CCONJ
fbem-29331	135	24	paying	pay	VERB
fbem-29331	135	25	attention	attention	NOUN
fbem-29331	135	26	to	to	ADP
fbem-29331	135	27	the	the	DET
fbem-29331	135	28	similarities	similarity	NOUN
fbem-29331	135	29	and	and	CCONJ
fbem-29331	135	30	differences	difference	NOUN
fbem-29331	135	31	and	and	CCONJ
fbem-29331	135	32	motivation	motivation	NOUN
fbem-29331	135	33	mechanisms	mechanism	NOUN
fbem-29331	135	34	of	of	ADP
fbem-29331	135	35	financial	financial	ADJ
fbem-29331	135	36	agglomeration	agglomeration	NOUN
fbem-29331	135	37	phenomena	phenomenon	NOUN
fbem-29331	135	38	in	in	ADP
fbem-29331	135	39	different	different	ADJ
fbem-29331	135	40	economies	economy	NOUN
fbem-29331	135	41	.	.	PUNCT
fbem-29331	136	1	references	reference	NOUN
fbem-29331	136	2	[	[	X
fbem-29331	136	3	1	1	X
fbem-29331	136	4	]	]	PUNCT
fbem-29331	136	5	he	he	PRON
fbem-29331	136	6	,	,	PUNCT
fbem-29331	136	7	q.	q.	PROPN
fbem-29331	136	8	,	,	PUNCT
fbem-29331	136	9	sun	sun	PROPN
fbem-29331	136	10	,	,	PUNCT
fbem-29331	136	11	a.	a.	PROPN
fbem-29331	136	12	,	,	PUNCT
fbem-29331	136	13	hua	hua	PROPN
fbem-29331	136	14	,	,	PUNCT
fbem-29331	136	15	y.	y.	PROPN
fbem-29331	136	16	(	(	PUNCT
fbem-29331	136	17	2024	2024	NUM
fbem-29331	136	18	)	)	PUNCT
fbem-29331	136	19	can	can	AUX
fbem-29331	136	20	financial	financial	ADJ
fbem-29331	136	21	agglomeration	agglomeration	NOUN
fbem-29331	136	22	development	development	NOUN
fbem-29331	136	23	reduce	reduce	VERB
fbem-29331	136	24	carbon	carbon	NOUN
fbem-29331	136	25	emissions	emission	NOUN
fbem-29331	136	26	?	?	PUNCT
fbem-29331	137	1	evidence	evidence	NOUN
fbem-29331	137	2	from	from	ADP
fbem-29331	137	3	the	the	DET
fbem-29331	137	4	yangtze	yangtze	PROPN
fbem-29331	137	5	river	river	PROPN
fbem-29331	137	6	delta	delta	PROPN
fbem-29331	137	7	region	region	NOUN
fbem-29331	137	8	of	of	ADP
fbem-29331	137	9	china	china	PROPN
fbem-29331	137	10	.	.	PUNCT
fbem-29331	138	1	sustainability	sustainability	NOUN
fbem-29331	138	2	,	,	PUNCT
fbem-29331	138	3	(	(	PUNCT
fbem-29331	138	4	5	5	NUM
fbem-29331	138	5	)	)	PUNCT
fbem-29331	138	6	.	.	PUNCT
fbem-29331	139	1	[	[	X
fbem-29331	139	2	2	2	NUM
fbem-29331	139	3	]	]	SYM
fbem-29331	139	4	tao	tao	PROPN
fbem-29331	139	5	,	,	PUNCT
fbem-29331	139	6	m.	m.	NOUN
fbem-29331	139	7	,	,	PUNCT
fbem-29331	139	8	emilson	emilson	PROPN
fbem-29331	139	9	,	,	PUNCT
fbem-29331	139	10	s.	s.	PROPN
fbem-29331	139	11	,	,	PUNCT
fbem-29331	139	12	sheng	sheng	PROPN
fbem-29331	139	13	,	,	PUNCT
fbem-29331	139	14	m.	m.	NOUN
fbem-29331	139	15	,	,	PUNCT
fbem-29331	139	16	et	et	PROPN
fbem-29331	139	17	al	al	PROPN
fbem-29331	139	18	.	.	PROPN
fbem-29331	139	19	(	(	PUNCT
fbem-29331	139	20	2023	2023	NUM
fbem-29331	139	21	)	)	PUNCT
fbem-29331	139	22	how	how	SCONJ
fbem-29331	139	23	financial	financial	ADJ
fbem-29331	139	24	clustering	clustering	NOUN
fbem-29331	139	25	influences	influence	VERB
fbem-29331	139	26	china	china	PROPN
fbem-29331	139	27	's	's	PART
fbem-29331	139	28	green	green	PROPN
fbem-29331	139	29	development	development	NOUN
fbem-29331	139	30	:	:	PUNCT
fbem-29331	139	31	mechanism	mechanism	NOUN
fbem-29331	139	32	investigation	investigation	NOUN
fbem-29331	139	33	and	and	CCONJ
fbem-29331	139	34	empirical	empirical	ADJ
fbem-29331	139	35	discussion	discussion	NOUN
fbem-29331	139	36	.	.	PUNCT
fbem-29331	140	1	journal	journal	NOUN
fbem-29331	140	2	of	of	ADP
fbem-29331	140	3	environmental	environmental	ADJ
fbem-29331	140	4	management	management	NOUN
fbem-29331	140	5	,	,	PUNCT
fbem-29331	140	6	119081	119081	NUM
fbem-29331	140	7	-	-	SYM
fbem-29331	140	8	119081	119081	NUM
fbem-29331	140	9	.	.	PUNCT
fbem-29331	141	1	[	[	X
fbem-29331	141	2	3	3	NUM
fbem-29331	141	3	]	]	SYM
fbem-29331	141	4	wu	wu	PROPN
fbem-29331	141	5	,	,	PUNCT
fbem-29331	141	6	x.	x.	PROPN
fbem-29331	141	7	,	,	PUNCT
fbem-29331	141	8	huang	huang	PROPN
fbem-29331	141	9	,	,	PUNCT
fbem-29331	141	10	y.	y.	PROPN
fbem-29331	141	11	&	&	CCONJ
fbem-29331	141	12	gao	gao	PROPN
fbem-29331	141	13	,	,	PUNCT
fbem-29331	141	14	j.	j.	PROPN
fbem-29331	141	15	(	(	PUNCT
fbem-29331	141	16	2022	2022	NUM
fbem-29331	141	17	)	)	PUNCT
fbem-29331	141	18	impact	impact	NOUN
fbem-29331	141	19	of	of	ADP
fbem-29331	141	20	industrial	industrial	ADJ
fbem-29331	141	21	agglomeration	agglomeration	NOUN
fbem-29331	141	22	on	on	ADP
fbem-29331	141	23	new	new	ADJ
fbem-29331	141	24	-	-	PUNCT
fbem-29331	141	25	type	type	NOUN
fbem-29331	141	26	urbanization	urbanization	NOUN
fbem-29331	141	27	:	:	PUNCT
fbem-29331	141	28	evidence	evidence	NOUN
fbem-29331	141	29	from	from	ADP
fbem-29331	141	30	pearl	pearl	PROPN
fbem-29331	141	31	river	river	PROPN
fbem-29331	141	32	delta	delta	NOUN
fbem-29331	141	33	urban	urban	ADJ
fbem-29331	141	34	agglomeration	agglomeration	NOUN
fbem-29331	141	35	of	of	ADP
fbem-29331	141	36	china	china	PROPN
fbem-29331	141	37	.	.	PUNCT
fbem-29331	142	1	international	international	ADJ
fbem-29331	142	2	review	review	NOUN
fbem-29331	142	3	of	of	ADP
fbem-29331	142	4	economics	economic	NOUN
fbem-29331	142	5	and	and	CCONJ
fbem-29331	142	6	finance	finance	NOUN
fbem-29331	142	7	,	,	PUNCT
fbem-29331	142	8	312	312	NUM
fbem-29331	142	9	-	-	SYM
fbem-29331	142	10	325	325	NUM
fbem-29331	142	11	.	.	PUNCT
fbem-29331	143	1	[	[	X
fbem-29331	143	2	4	4	NUM
fbem-29331	143	3	]	]	X
fbem-29331	143	4	lu	lu	PROPN
fbem-29331	143	5	,	,	PUNCT
fbem-29331	143	6	j.	j.	PROPN
fbem-29331	143	7	,	,	PUNCT
fbem-29331	143	8	zhang	zhang	PROPN
fbem-29331	143	9	,	,	PUNCT
fbem-29331	143	10	m.	m.	NOUN
fbem-29331	143	11	(	(	PUNCT
fbem-29331	143	12	2020	2020	NUM
fbem-29331	143	13	)	)	PUNCT
fbem-29331	143	14	the	the	DET
fbem-29331	143	15	harmonious	harmonious	ADJ
fbem-29331	143	16	development	development	NOUN
fbem-29331	143	17	of	of	ADP
fbem-29331	143	18	big	big	ADJ
fbem-29331	143	19	data	datum	NOUN
fbem-29331	143	20	industry	industry	NOUN
fbem-29331	143	21	and	and	CCONJ
fbem-29331	143	22	financial	financial	ADJ
fbem-29331	143	23	agglomeration	agglomeration	NOUN
fbem-29331	143	24	in	in	ADP
fbem-29331	143	25	guizhou	guizhou	PROPN
fbem-29331	143	26	.	.	PROPN
fbem-29331	143	27	journal	journal	PROPN
fbem-29331	143	28	of	of	ADP
fbem-29331	143	29	risk	risk	NOUN
fbem-29331	143	30	analysis	analysis	NOUN
fbem-29331	143	31	and	and	CCONJ
fbem-29331	143	32	crisis	crisis	NOUN
fbem-29331	143	33	response	response	NOUN
fbem-29331	143	34	,	,	PUNCT
fbem-29331	143	35	(	(	PUNCT
fbem-29331	143	36	4	4	NUM
fbem-29331	143	37	):	):	PUNCT
fbem-29331	143	38	163	163	NUM
fbem-29331	143	39	-	-	SYM
fbem-29331	143	40	167	167	NUM
fbem-29331	143	41	.	.	PUNCT
fbem-29331	144	1	[	[	X
fbem-29331	144	2	5	5	NUM
fbem-29331	144	3	]	]	X
fbem-29331	144	4	wang	wang	PROPN
fbem-29331	144	5	,	,	PUNCT
fbem-29331	144	6	x.	x.	PROPN
fbem-29331	144	7	,	,	PUNCT
fbem-29331	144	8	zhu	zhu	PROPN
fbem-29331	144	9	,	,	PUNCT
fbem-29331	144	10	l.	l.	PROPN
fbem-29331	144	11	,	,	PUNCT
fbem-29331	144	12	li	li	PROPN
fbem-29331	144	13	,	,	PUNCT
fbem-29331	144	14	n.	n.	PROPN
fbem-29331	144	15	,	,	PUNCT
fbem-29331	144	16	et	et	PROPN
fbem-29331	144	17	al	al	PROPN
fbem-29331	144	18	.	.	PROPN
fbem-29331	144	19	(	(	PUNCT
fbem-29331	144	20	2023	2023	NUM
fbem-29331	144	21	)	)	PUNCT
fbem-29331	144	22	a	a	DET
fbem-29331	144	23	study	study	NOUN
fbem-29331	144	24	of	of	ADP
fbem-29331	144	25	the	the	DET
fbem-29331	144	26	impact	impact	NOUN
fbem-29331	144	27	of	of	ADP
fbem-29331	144	28	financial	financial	ADJ
fbem-29331	144	29	agglomeration	agglomeration	NOUN
fbem-29331	144	30	on	on	ADP
fbem-29331	144	31	the	the	DET
fbem-29331	144	32	urban	urban	ADJ
fbem-29331	144	33	-	-	PUNCT
fbem-29331	144	34	rural	rural	ADJ
fbem-29331	144	35	income	income	NOUN
fbem-29331	144	36	gap	gap	NOUN
fbem-29331	144	37	.	.	PUNCT
fbem-29331	145	1	financial	financial	ADJ
fbem-29331	145	2	engineering	engineering	NOUN
fbem-29331	145	3	and	and	CCONJ
fbem-29331	145	4	risk	risk	NOUN
fbem-29331	145	5	management	management	NOUN
fbem-29331	145	6	,	,	PUNCT
fbem-29331	145	7	(	(	PUNCT
fbem-29331	145	8	11	11	NUM
fbem-29331	145	9	)	)	PUNCT
fbem-29331	145	10	.	.	PUNCT
fbem-29331	146	1	[	[	X
fbem-29331	146	2	6	6	NUM
fbem-29331	146	3	]	]	SYM
fbem-29331	146	4	li	li	PROPN
fbem-29331	146	5	m.	m.	PROPN
fbem-29331	146	6	(	(	PUNCT
fbem-29331	146	7	2015	2015	NUM
fbem-29331	146	8	)	)	PUNCT
fbem-29331	146	9	causes	cause	NOUN
fbem-29331	146	10	,	,	PUNCT
fbem-29331	146	11	evolution	evolution	NOUN
fbem-29331	146	12	and	and	CCONJ
fbem-29331	146	13	effects	effect	NOUN
fbem-29331	146	14	of	of	ADP
fbem-29331	146	15	financial	financial	ADJ
fbem-29331	146	16	agglomeration	agglomeration	NOUN
fbem-29331	146	17	:	:	PUNCT
fbem-29331	146	18	a	a	DET
fbem-29331	146	19	review	review	NOUN
fbem-29331	146	20	.	.	PUNCT
fbem-29331	147	1	financial	financial	ADJ
fbem-29331	147	2	community	community	NOUN
fbem-29331	147	3	.	.	PUNCT
fbem-29331	148	1	,	,	PUNCT
fbem-29331	148	2	03	03	NUM
fbem-29331	148	3	:	:	PUNCT
fbem-29331	148	4	8	8	NUM
fbem-29331	148	5	-	-	SYM
fbem-29331	148	6	9	9	NUM
fbem-29331	148	7	.	.	PUNCT
fbem-29331	149	1	[	[	X
fbem-29331	149	2	7	7	X
fbem-29331	149	3	]	]	X
fbem-29331	149	4	zhao	zhao	PROPN
fbem-29331	149	5	j.j	j.j	PROPN
fbem-29331	149	6	.	.	PROPN
fbem-29331	149	7	,	,	PUNCT
fbem-29331	149	8	wang	wang	PROPN
fbem-29331	149	9	y.h	y.h	PROPN
fbem-29331	149	10	.	.	PROPN
fbem-29331	149	11	,	,	PUNCT
fbem-29331	149	12	lyu	lyu	PROPN
fbem-29331	149	13	k.w	k.w	PROPN
fbem-29331	149	14	.	.	PROPN
fbem-29331	149	15	,	,	PUNCT
fbem-29331	149	16	et	et	PROPN
fbem-29331	149	17	al	al	PROPN
fbem-29331	149	18	.	.	PROPN
fbem-29331	150	1	(	(	PUNCT
fbem-29331	150	2	2017	2017	NUM
fbem-29331	150	3	)	)	PUNCT
fbem-29331	150	4	the	the	DET
fbem-29331	150	5	evolution	evolution	NOUN
fbem-29331	150	6	mechanism	mechanism	NOUN
fbem-29331	150	7	of	of	ADP
fbem-29331	150	8	financial	financial	ADJ
fbem-29331	150	9	industry	industry	NOUN
fbem-29331	150	10	agglomeration	agglomeration	NOUN
fbem-29331	150	11	in	in	ADP
fbem-29331	150	12	inland	inland	ADJ
fbem-29331	150	13	regional	regional	ADJ
fbem-29331	150	14	central	central	ADJ
fbem-29331	150	15	cities	city	NOUN
fbem-29331	150	16	-	-	PUNCT
fbem-29331	150	17	taking	take	VERB
fbem-29331	150	18	zhengdong	zhengdong	NOUN
fbem-29331	150	19	new	new	ADJ
fbem-29331	150	20	district	district	NOUN
fbem-29331	150	21	as	as	ADP
fbem-29331	150	22	an	an	DET
fbem-29331	150	23	example	example	NOUN
fbem-29331	150	24	.	.	PUNCT
fbem-29331	151	1	acta	acta	PROPN
fbem-29331	151	2	geographica	geographica	PROPN
fbem-29331	151	3	sinica	sinica	PROPN
fbem-29331	151	4	.	.	PROPN
fbem-29331	151	5	,	,	PUNCT
fbem-29331	151	6	72(08	72(08	NUM
fbem-29331	151	7	):	):	PUNCT
fbem-29331	151	8	1392	1392	NUM
fbem-29331	151	9	-	-	SYM
fbem-29331	151	10	1407	1407	NUM
fbem-29331	151	11	.	.	PUNCT
fbem-29331	152	1	[	[	X
fbem-29331	152	2	8	8	NUM
fbem-29331	152	3	]	]	X
fbem-29331	152	4	zhong	zhong	PROPN
fbem-29331	152	5	,	,	PUNCT
fbem-29331	152	6	y.	y.	PROPN
fbem-29331	152	7	,	,	PUNCT
fbem-29331	152	8	xia	xia	PROPN
fbem-29331	152	9	,	,	PUNCT
fbem-29331	152	10	g.	g.	PROPN
fbem-29331	152	11	&	&	CCONJ
fbem-29331	152	12	lu	lu	PROPN
fbem-29331	152	13	,	,	PUNCT
fbem-29331	152	14	x.	x.	NOUN
fbem-29331	152	15	(	(	PUNCT
fbem-29331	152	16	2023	2023	NUM
fbem-29331	152	17	)	)	PUNCT
fbem-29331	152	18	study	study	NOUN
fbem-29331	152	19	on	on	ADP
fbem-29331	152	20	the	the	DET
fbem-29331	152	21	impact	impact	NOUN
fbem-29331	152	22	of	of	ADP
fbem-29331	152	23	financial	financial	ADJ
fbem-29331	152	24	agglomeration	agglomeration	NOUN
fbem-29331	152	25	on	on	ADP
fbem-29331	152	26	the	the	DET
fbem-29331	152	27	development	development	NOUN
fbem-29331	152	28	of	of	ADP
fbem-29331	152	29	digital	digital	ADJ
fbem-29331	152	30	economy	economy	NOUN
fbem-29331	152	31	.	.	PUNCT
fbem-29331	153	1	financial	financial	ADJ
fbem-29331	153	2	engineering	engineering	NOUN
fbem-29331	153	3	and	and	CCONJ
fbem-29331	153	4	risk	risk	NOUN
fbem-29331	153	5	management	management	NOUN
fbem-29331	153	6	,	,	PUNCT
fbem-29331	153	7	(	(	PUNCT
fbem-29331	153	8	2	2	NUM
fbem-29331	153	9	)	)	PUNCT
fbem-29331	153	10	.	.	PUNCT
fbem-29331	154	1	174	174	NUM
fbem-29331	155	1	[	[	X
fbem-29331	155	2	9	9	NUM
fbem-29331	155	3	]	]	PUNCT
fbem-29331	155	4	yang	yang	PROPN
fbem-29331	155	5	g.	g.	PROPN
fbem-29331	155	6	,	,	PUNCT
fbem-29331	155	7	wang	wang	PROPN
fbem-29331	155	8	h.	h.	PROPN
fbem-29331	155	9	,	,	PUNCT
fbem-29331	155	10	fan	fan	PROPN
fbem-29331	155	11	h.	h.	PROPN
fbem-29331	155	12	,	,	PUNCT
fbem-29331	155	13	&	&	CCONJ
fbem-29331	155	14	yue	yue	PROPN
fbem-29331	155	15	z.	z.	PROPN
fbem-29331	155	16	(	(	PUNCT
fbem-29331	155	17	2023	2023	NUM
fbem-29331	155	18	)	)	PUNCT
fbem-29331	155	19	the	the	DET
fbem-29331	155	20	carbon	carbon	NOUN
fbem-29331	155	21	e	e	NOUN
fbem-29331	155	22	reduction	reduction	NOUN
fbem-29331	155	23	effect	effect	NOUN
fbem-29331	155	24	of	of	ADP
fbem-29331	155	25	the	the	DET
fbem-29331	155	26	digital	digital	ADJ
fbem-29331	155	27	economy	economy	NOUN
fbem-29331	155	28	:	:	PUNCT
fbem-29331	155	29	theoretical	theoretical	ADJ
fbem-29331	155	30	analysis	analysis	NOUN
fbem-29331	155	31	and	and	CCONJ
fbem-29331	155	32	empirical	empirical	ADJ
fbem-29331	155	33	evidence	evidence	NOUN
fbem-29331	155	34	.	.	PUNCT
fbem-29331	156	1	china	china	PROPN
fbem-29331	156	2	industrial	industrial	ADJ
fbem-29331	156	3	economy	economy	NOUN
fbem-29331	156	4	.	.	PUNCT
fbem-29331	156	5	,	,	PUNCT
fbem-29331	156	6	05	05	NUM
fbem-29331	156	7	:	:	PUNCT
fbem-29331	156	8	80	80	NUM
fbem-29331	156	9	-	-	SYM
fbem-29331	156	10	98	98	NUM
fbem-29331	156	11	.	.	PUNCT
fbem-29331	157	1	[	[	X
fbem-29331	157	2	10	10	NUM
fbem-29331	157	3	]	]	X
fbem-29331	157	4	fang	fang	PROPN
fbem-29331	157	5	g.b	g.b	PROPN
fbem-29331	157	6	.	.	PROPN
fbem-29331	157	7	,	,	PUNCT
fbem-29331	157	8	chen	chen	PROPN
fbem-29331	157	9	j.	j.	PROPN
fbem-29331	157	10	(	(	PUNCT
fbem-29331	157	11	2022	2022	NUM
fbem-29331	157	12	)	)	PUNCT
fbem-29331	157	13	research	research	NOUN
fbem-29331	157	14	on	on	ADP
fbem-29331	157	15	the	the	DET
fbem-29331	157	16	risk	risk	NOUN
fbem-29331	157	17	linkage	linkage	NOUN
fbem-29331	157	18	between	between	ADP
fbem-29331	157	19	internet	internet	NOUN
fbem-29331	157	20	finance	finance	NOUN
fbem-29331	157	21	and	and	CCONJ
fbem-29331	157	22	traditional	traditional	ADJ
fbem-29331	157	23	financial	financial	ADJ
fbem-29331	157	24	markets	market	NOUN
fbem-29331	157	25	.	.	PUNCT
fbem-29331	158	1	statistics	statistic	NOUN
fbem-29331	158	2	and	and	CCONJ
fbem-29331	158	3	decision	decision	NOUN
fbem-29331	158	4	.	.	PUNCT
fbem-29331	158	5	,	,	PUNCT
fbem-29331	158	6	38(24	38(24	NUM
fbem-29331	158	7	):	):	PUNCT
fbem-29331	158	8	134	134	NUM
fbem-29331	158	9	-	-	SYM
fbem-29331	158	10	138	138	NUM
fbem-29331	158	11	.	.	PUNCT
fbem-29331	159	1	[	[	X
fbem-29331	159	2	11	11	NUM
fbem-29331	159	3	]	]	X
fbem-29331	159	4	suprun	suprun	ADJ
fbem-29331	159	5	,	,	PUNCT
fbem-29331	159	6	a.	a.	NOUN
fbem-29331	159	7	,	,	PUNCT
fbem-29331	159	8	petrishina	petrishina	PROPN
fbem-29331	159	9	,	,	PUNCT
fbem-29331	159	10	t.	t.	PROPN
fbem-29331	159	11	,	,	PUNCT
fbem-29331	159	12	vasylchuk	vasylchuk	NOUN
fbem-29331	159	13	,	,	PUNCT
fbem-29331	159	14	i.	i.	NOUN
fbem-29331	159	15	(	(	PUNCT
fbem-29331	159	16	2020	2020	NUM
fbem-29331	159	17	)	)	PUNCT
fbem-29331	159	18	competition	competition	NOUN
fbem-29331	159	19	and	and	CCONJ
fbem-29331	159	20	cooperation	cooperation	NOUN
fbem-29331	159	21	between	between	ADP
fbem-29331	159	22	fintech	fintech	NOUN
fbem-29331	159	23	companies	company	NOUN
fbem-29331	159	24	and	and	CCONJ
fbem-29331	159	25	traditional	traditional	ADJ
fbem-29331	159	26	financial	financial	ADJ
fbem-29331	159	27	institutions	institution	NOUN
fbem-29331	159	28	.	.	PUNCT
fbem-29331	160	1	e3s	e3s	PROPN
fbem-29331	160	2	web	web	NOUN
fbem-29331	160	3	of	of	ADP
fbem-29331	160	4	conferences	conference	NOUN
fbem-29331	160	5	,	,	PUNCT
fbem-29331	160	6	13028	13028	NUM
fbem-29331	160	7	.	.	PUNCT
fbem-29331	161	1	[	[	X
fbem-29331	161	2	12	12	NUM
fbem-29331	161	3	]	]	X
fbem-29331	161	4	zhong	zhong	PROPN
fbem-29331	161	5	,	,	PUNCT
fbem-29331	161	6	w.	w.	PROPN
fbem-29331	161	7	,	,	PUNCT
fbem-29331	161	8	jiang	jiang	PROPN
fbem-29331	161	9	,	,	PUNCT
fbem-29331	161	10	t.	t.	PROPN
fbem-29331	161	11	(	(	PUNCT
fbem-29331	161	12	2020	2020	NUM
fbem-29331	161	13	)	)	PUNCT
fbem-29331	161	14	can	can	AUX
fbem-29331	161	15	internet	internet	NOUN
fbem-29331	161	16	finance	finance	NOUN
fbem-29331	161	17	alleviate	alleviate	VERB
fbem-29331	161	18	the	the	DET
fbem-29331	161	19	exclusiveness	exclusiveness	NOUN
fbem-29331	161	20	of	of	ADP
fbem-29331	161	21	traditional	traditional	ADJ
fbem-29331	161	22	finance	finance	NOUN
fbem-29331	161	23	?	?	PUNCT
fbem-29331	162	1	evidence	evidence	NOUN
fbem-29331	162	2	from	from	ADP
fbem-29331	162	3	chinese	chinese	ADJ
fbem-29331	162	4	p2p	p2p	NOUN
fbem-29331	162	5	lending	lending	NOUN
fbem-29331	162	6	markets	market	NOUN
fbem-29331	162	7	.	.	PUNCT
fbem-29331	163	1	finance	finance	NOUN
fbem-29331	163	2	research	research	NOUN
fbem-29331	163	3	letters	letter	NOUN
fbem-29331	164	1	.	.	PUNCT
fbem-29331	165	1	[	[	X
fbem-29331	165	2	13	13	NUM
fbem-29331	165	3	]	]	PUNCT
fbem-29331	165	4	hong	hong	PROPN
fbem-29331	165	5	y.x	y.x	PROPN
fbem-29331	165	6	.	.	PROPN
fbem-29331	165	7	,	,	PUNCT
fbem-29331	165	8	ren	ren	PROPN
fbem-29331	165	9	b.p	b.p	PROPN
fbem-29331	165	10	.	.	PROPN
fbem-29331	166	1	(	(	PUNCT
fbem-29331	166	2	2023	2023	NUM
fbem-29331	166	3	)	)	PUNCT
fbem-29331	166	4	the	the	DET
fbem-29331	166	5	connotation	connotation	NOUN
fbem-29331	166	6	and	and	CCONJ
fbem-29331	166	7	approach	approach	NOUN
fbem-29331	166	8	of	of	ADP
fbem-29331	166	9	deep	deep	ADJ
fbem-29331	166	10	integration	integration	NOUN
fbem-29331	166	11	of	of	ADP
fbem-29331	166	12	digital	digital	ADJ
fbem-29331	166	13	economy	economy	NOUN
fbem-29331	166	14	and	and	CCONJ
fbem-29331	166	15	real	real	ADJ
fbem-29331	166	16	economy	economy	NOUN
fbem-29331	166	17	.	.	PUNCT
fbem-29331	167	1	china	china	PROPN
fbem-29331	167	2	industrial	industrial	ADJ
fbem-29331	167	3	economics	economic	NOUN
fbem-29331	167	4	.	.	PUNCT
fbem-29331	167	5	,	,	PUNCT
fbem-29331	167	6	02	02	NUM
fbem-29331	167	7	:	:	SYM
fbem-29331	167	8	5	5	NUM
fbem-29331	167	9	-	-	SYM
fbem-29331	167	10	16	16	NUM
fbem-29331	167	11	.	.	PUNCT