id	sid	tid	token	lemma	pos
fbem-29740	1	1	frontiers	frontier	NOUN
fbem-29740	1	2	in	in	ADP
fbem-29740	1	3	business	business	NOUN
fbem-29740	1	4	,	,	PUNCT
fbem-29740	1	5	economics	economic	NOUN
fbem-29740	1	6	and	and	CCONJ
fbem-29740	1	7	management	management	NOUN
fbem-29740	1	8	issn	issn	PROPN
fbem-29740	1	9	:	:	PUNCT
fbem-29740	1	10	2766	2766	NUM
fbem-29740	1	11	-	-	PUNCT
fbem-29740	1	12	824x	824x	NUM
fbem-29740	1	13	|	|	ADJ
fbem-29740	1	14	vol	vol	NOUN
fbem-29740	1	15	.	.	PROPN
fbem-29740	1	16	18	18	NUM
fbem-29740	1	17	,	,	PUNCT
fbem-29740	1	18	no	no	INTJ
fbem-29740	1	19	.	.	NOUN
fbem-29740	1	20	2	2	NUM
fbem-29740	1	21	,	,	PUNCT
fbem-29740	1	22	2025	2025	NUM
fbem-29740	1	23	239	239	NUM
fbem-29740	1	24	impact	impact	NOUN
fbem-29740	1	25	of	of	ADP
fbem-29740	1	26	deposit	deposit	NOUN
fbem-29740	1	27	insurance	insurance	NOUN
fbem-29740	1	28	system	system	NOUN
fbem-29740	1	29	on	on	ADP
fbem-29740	1	30	moral	moral	ADJ
fbem-29740	1	31	hazard	hazard	NOUN
fbem-29740	1	32	of	of	ADP
fbem-29740	1	33	commercial	commercial	ADJ
fbem-29740	1	34	banks	bank	NOUN
fbem-29740	1	35	jiacheng	jiacheng	PROPN
fbem-29740	1	36	ma	ma	PROPN
fbem-29740	1	37	department	department	PROPN
fbem-29740	1	38	of	of	ADP
fbem-29740	1	39	business	business	NOUN
fbem-29740	1	40	studies	study	NOUN
fbem-29740	1	41	,	,	PUNCT
fbem-29740	1	42	hunan	hunan	PROPN
fbem-29740	1	43	university	university	PROPN
fbem-29740	1	44	of	of	ADP
fbem-29740	1	45	science	science	NOUN
fbem-29740	1	46	and	and	CCONJ
fbem-29740	1	47	technology	technology	NOUN
fbem-29740	1	48	,	,	PUNCT
fbem-29740	1	49	xiangtan	xiangtan	PROPN
fbem-29740	1	50	,	,	PUNCT
fbem-29740	1	51	411100	411100	NUM
fbem-29740	1	52	,	,	PUNCT
fbem-29740	1	53	china	china	PROPN
fbem-29740	1	54	abstract	abstract	PROPN
fbem-29740	1	55	:	:	PUNCT
fbem-29740	1	56	with	with	ADP
fbem-29740	1	57	the	the	DET
fbem-29740	1	58	advancement	advancement	NOUN
fbem-29740	1	59	of	of	ADP
fbem-29740	1	60	financial	financial	ADJ
fbem-29740	1	61	globalization	globalization	NOUN
fbem-29740	1	62	,	,	PUNCT
fbem-29740	1	63	china	china	PROPN
fbem-29740	1	64	,	,	PUNCT
fbem-29740	1	65	as	as	ADP
fbem-29740	1	66	a	a	DET
fbem-29740	1	67	country	country	NOUN
fbem-29740	1	68	with	with	ADP
fbem-29740	1	69	a	a	DET
fbem-29740	1	70	trade	trade	NOUN
fbem-29740	1	71	surplus	surplus	NOUN
fbem-29740	1	72	,	,	PUNCT
fbem-29740	1	73	exports	export	NOUN
fbem-29740	1	74	products	product	NOUN
fbem-29740	1	75	to	to	ADP
fbem-29740	1	76	various	various	ADJ
fbem-29740	1	77	countries	country	NOUN
fbem-29740	1	78	around	around	ADP
fbem-29740	1	79	the	the	DET
fbem-29740	1	80	world	world	NOUN
fbem-29740	1	81	while	while	SCONJ
fbem-29740	1	82	also	also	ADV
fbem-29740	1	83	absorbing	absorb	VERB
fbem-29740	1	84	different	different	ADJ
fbem-29740	1	85	currencies	currency	NOUN
fbem-29740	1	86	.	.	PUNCT
fbem-29740	2	1	in	in	ADP
fbem-29740	2	2	this	this	DET
fbem-29740	2	3	context	context	NOUN
fbem-29740	2	4	,	,	PUNCT
fbem-29740	2	5	the	the	DET
fbem-29740	2	6	issue	issue	NOUN
fbem-29740	2	7	of	of	ADP
fbem-29740	2	8	how	how	SCONJ
fbem-29740	2	9	to	to	PART
fbem-29740	2	10	maintain	maintain	VERB
fbem-29740	2	11	economic	economic	ADJ
fbem-29740	2	12	security	security	NOUN
fbem-29740	2	13	while	while	SCONJ
fbem-29740	2	14	holding	hold	VERB
fbem-29740	2	15	a	a	DET
fbem-29740	2	16	large	large	ADJ
fbem-29740	2	17	amount	amount	NOUN
fbem-29740	2	18	of	of	ADP
fbem-29740	2	19	foreign	foreign	ADJ
fbem-29740	2	20	currency	currency	NOUN
fbem-29740	2	21	has	have	AUX
fbem-29740	2	22	become	become	VERB
fbem-29740	2	23	a	a	DET
fbem-29740	2	24	topic	topic	NOUN
fbem-29740	2	25	worth	worth	ADJ
fbem-29740	2	26	considering	consider	VERB
fbem-29740	2	27	.	.	PUNCT
fbem-29740	3	1	to	to	PART
fbem-29740	3	2	ensure	ensure	VERB
fbem-29740	3	3	the	the	DET
fbem-29740	3	4	safety	safety	NOUN
fbem-29740	3	5	of	of	ADP
fbem-29740	3	6	currency	currency	NOUN
fbem-29740	3	7	deposits	deposit	NOUN
fbem-29740	3	8	,	,	PUNCT
fbem-29740	3	9	the	the	DET
fbem-29740	3	10	government	government	NOUN
fbem-29740	3	11	must	must	AUX
fbem-29740	3	12	have	have	VERB
fbem-29740	3	13	sufficient	sufficient	ADJ
fbem-29740	3	14	means	mean	NOUN
fbem-29740	3	15	and	and	CCONJ
fbem-29740	3	16	the	the	DET
fbem-29740	3	17	capability	capability	NOUN
fbem-29740	3	18	to	to	PART
fbem-29740	3	19	secure	secure	VERB
fbem-29740	3	20	the	the	DET
fbem-29740	3	21	currency	currency	NOUN
fbem-29740	3	22	.	.	PUNCT
fbem-29740	4	1	in	in	ADP
fbem-29740	4	2	the	the	DET
fbem-29740	4	3	long	long	ADJ
fbem-29740	4	4	term	term	NOUN
fbem-29740	4	5	,	,	PUNCT
fbem-29740	4	6	the	the	DET
fbem-29740	4	7	establishment	establishment	NOUN
fbem-29740	4	8	of	of	ADP
fbem-29740	4	9	deposit	deposit	NOUN
fbem-29740	4	10	insurance	insurance	NOUN
fbem-29740	4	11	in	in	ADP
fbem-29740	4	12	china	china	PROPN
fbem-29740	4	13	and	and	CCONJ
fbem-29740	4	14	its	its	PRON
fbem-29740	4	15	impact	impact	NOUN
fbem-29740	4	16	on	on	ADP
fbem-29740	4	17	the	the	DET
fbem-29740	4	18	risks	risk	NOUN
fbem-29740	4	19	associated	associate	VERB
fbem-29740	4	20	with	with	ADP
fbem-29740	4	21	commercial	commercial	ADJ
fbem-29740	4	22	banks	bank	NOUN
fbem-29740	4	23	'	'	PART
fbem-29740	4	24	moral	moral	ADJ
fbem-29740	4	25	hazards	hazard	NOUN
fbem-29740	4	26	is	be	AUX
fbem-29740	4	27	of	of	ADP
fbem-29740	4	28	greater	great	ADJ
fbem-29740	4	29	concern	concern	NOUN
fbem-29740	4	30	.	.	PUNCT
fbem-29740	5	1	since	since	SCONJ
fbem-29740	5	2	its	its	PRON
fbem-29740	5	3	inception	inception	NOUN
fbem-29740	5	4	in	in	ADP
fbem-29740	5	5	the	the	DET
fbem-29740	5	6	united	united	PROPN
fbem-29740	5	7	states	states	PROPN
fbem-29740	5	8	,	,	PUNCT
fbem-29740	5	9	the	the	DET
fbem-29740	5	10	deposit	deposit	NOUN
fbem-29740	5	11	insurance	insurance	NOUN
fbem-29740	5	12	system	system	NOUN
fbem-29740	5	13	has	have	AUX
fbem-29740	5	14	faced	face	VERB
fbem-29740	5	15	considerable	considerable	ADJ
fbem-29740	5	16	criticism	criticism	NOUN
fbem-29740	5	17	.	.	PUNCT
fbem-29740	6	1	although	although	SCONJ
fbem-29740	6	2	its	its	PRON
fbem-29740	6	3	original	original	ADJ
fbem-29740	6	4	intention	intention	NOUN
fbem-29740	6	5	was	be	AUX
fbem-29740	6	6	to	to	PART
fbem-29740	6	7	stabilize	stabilize	VERB
fbem-29740	6	8	the	the	DET
fbem-29740	6	9	domestic	domestic	ADJ
fbem-29740	6	10	economy	economy	NOUN
fbem-29740	6	11	,	,	PUNCT
fbem-29740	6	12	this	this	DET
fbem-29740	6	13	system	system	NOUN
fbem-29740	6	14	can	can	AUX
fbem-29740	6	15	lead	lead	VERB
fbem-29740	6	16	to	to	ADP
fbem-29740	6	17	moral	moral	ADJ
fbem-29740	6	18	hazard	hazard	NOUN
fbem-29740	6	19	problems	problem	NOUN
fbem-29740	6	20	in	in	ADP
fbem-29740	6	21	banks	bank	NOUN
fbem-29740	6	22	,	,	PUNCT
fbem-29740	6	23	causing	cause	VERB
fbem-29740	6	24	excessive	excessive	ADJ
fbem-29740	6	25	lending	lending	NOUN
fbem-29740	6	26	and	and	CCONJ
fbem-29740	6	27	an	an	DET
fbem-29740	6	28	increase	increase	NOUN
fbem-29740	6	29	in	in	ADP
fbem-29740	6	30	non	non	ADJ
fbem-29740	6	31	-	-	ADJ
fbem-29740	6	32	performing	perform	VERB
fbem-29740	6	33	assets	asset	NOUN
fbem-29740	6	34	,	,	PUNCT
fbem-29740	6	35	which	which	PRON
fbem-29740	6	36	in	in	ADP
fbem-29740	6	37	turn	turn	NOUN
fbem-29740	6	38	undermines	undermine	VERB
fbem-29740	6	39	the	the	DET
fbem-29740	6	40	overall	overall	ADJ
fbem-29740	6	41	stability	stability	NOUN
fbem-29740	6	42	of	of	ADP
fbem-29740	6	43	the	the	DET
fbem-29740	6	44	domestic	domestic	ADJ
fbem-29740	6	45	economy	economy	NOUN
fbem-29740	6	46	and	and	CCONJ
fbem-29740	6	47	obstructs	obstruct	VERB
fbem-29740	6	48	its	its	PRON
fbem-29740	6	49	steady	steady	ADJ
fbem-29740	6	50	development	development	NOUN
fbem-29740	6	51	.	.	PUNCT
fbem-29740	7	1	research	research	NOUN
fbem-29740	7	2	on	on	ADP
fbem-29740	7	3	the	the	DET
fbem-29740	7	4	system	system	NOUN
fbem-29740	7	5	has	have	AUX
fbem-29740	7	6	shown	show	VERB
fbem-29740	7	7	that	that	SCONJ
fbem-29740	7	8	deposit	deposit	NOUN
fbem-29740	7	9	insurance	insurance	NOUN
fbem-29740	7	10	does	do	AUX
fbem-29740	7	11	indeed	indeed	ADV
fbem-29740	7	12	affect	affect	VERB
fbem-29740	7	13	the	the	DET
fbem-29740	7	14	moral	moral	ADJ
fbem-29740	7	15	hazard	hazard	NOUN
fbem-29740	7	16	issues	issue	NOUN
fbem-29740	7	17	in	in	ADP
fbem-29740	7	18	commercial	commercial	ADJ
fbem-29740	7	19	banks	bank	NOUN
fbem-29740	7	20	.	.	PUNCT
fbem-29740	8	1	interestingly	interestingly	ADV
fbem-29740	8	2	,	,	PUNCT
fbem-29740	8	3	bank	bank	NOUN
fbem-29740	8	4	size	size	NOUN
fbem-29740	8	5	plays	play	VERB
fbem-29740	8	6	a	a	DET
fbem-29740	8	7	significant	significant	ADJ
fbem-29740	8	8	role	role	NOUN
fbem-29740	8	9	:	:	PUNCT
fbem-29740	8	10	the	the	PRON
fbem-29740	8	11	larger	large	ADJ
fbem-29740	8	12	the	the	DET
fbem-29740	8	13	bank	bank	NOUN
fbem-29740	8	14	,	,	PUNCT
fbem-29740	8	15	the	the	PRON
fbem-29740	8	16	greater	great	ADJ
fbem-29740	8	17	the	the	DET
fbem-29740	8	18	excess	excess	NOUN
fbem-29740	8	19	,	,	PUNCT
fbem-29740	8	20	the	the	PRON
fbem-29740	8	21	higher	high	ADJ
fbem-29740	8	22	the	the	DET
fbem-29740	8	23	risk	risk	NOUN
fbem-29740	8	24	-	-	PUNCT
fbem-29740	8	25	weighted	weight	VERB
fbem-29740	8	26	asset	asset	NOUN
fbem-29740	8	27	ratio	ratio	NOUN
fbem-29740	8	28	,	,	PUNCT
fbem-29740	8	29	and	and	CCONJ
fbem-29740	8	30	the	the	PRON
fbem-29740	8	31	larger	large	ADJ
fbem-29740	8	32	the	the	DET
fbem-29740	8	33	capital	capital	NOUN
fbem-29740	8	34	buffer	buffer	NOUN
fbem-29740	8	35	.	.	PUNCT
fbem-29740	9	1	in	in	ADP
fbem-29740	9	2	other	other	ADJ
fbem-29740	9	3	words	word	NOUN
fbem-29740	9	4	,	,	PUNCT
fbem-29740	9	5	smaller	small	ADJ
fbem-29740	9	6	banks	bank	NOUN
fbem-29740	9	7	are	be	AUX
fbem-29740	9	8	more	more	ADV
fbem-29740	9	9	likely	likely	ADJ
fbem-29740	9	10	to	to	PART
fbem-29740	9	11	face	face	VERB
fbem-29740	9	12	moral	moral	ADJ
fbem-29740	9	13	hazard	hazard	NOUN
fbem-29740	9	14	issues	issue	NOUN
fbem-29740	9	15	under	under	ADP
fbem-29740	9	16	the	the	DET
fbem-29740	9	17	loan	loan	NOUN
fbem-29740	9	18	insurance	insurance	NOUN
fbem-29740	9	19	system	system	NOUN
fbem-29740	9	20	than	than	ADP
fbem-29740	9	21	larger	large	ADJ
fbem-29740	9	22	banks	bank	NOUN
fbem-29740	9	23	.	.	PUNCT
fbem-29740	10	1	keywords	keyword	NOUN
fbem-29740	10	2	:	:	PUNCT
fbem-29740	10	3	deposit	deposit	NOUN
fbem-29740	10	4	insurance	insurance	NOUN
fbem-29740	10	5	system	system	NOUN
fbem-29740	10	6	,	,	PUNCT
fbem-29740	10	7	moral	moral	ADJ
fbem-29740	10	8	hazard	hazard	NOUN
fbem-29740	10	9	,	,	PUNCT
fbem-29740	10	10	high	high	ADJ
fbem-29740	10	11	-	-	PUNCT
fbem-29740	10	12	risk	risk	NOUN
fbem-29740	10	13	investment	investment	NOUN
fbem-29740	10	14	.	.	PUNCT
fbem-29740	11	1	1	1	X
fbem-29740	11	2	.	.	X
fbem-29740	11	3	introduction	introduction	NOUN
fbem-29740	11	4	1.1	1.1	NUM
fbem-29740	11	5	.	.	PUNCT
fbem-29740	12	1	purpose	purpose	NOUN
fbem-29740	12	2	and	and	CCONJ
fbem-29740	12	3	significance	significance	NOUN
fbem-29740	12	4	of	of	ADP
fbem-29740	12	5	this	this	DET
fbem-29740	12	6	study	study	NOUN
fbem-29740	12	7	1.1.1	1.1.1	NUM
fbem-29740	12	8	.	.	PUNCT
fbem-29740	13	1	purpose	purpose	NOUN
fbem-29740	13	2	of	of	ADP
fbem-29740	13	3	the	the	DET
fbem-29740	13	4	study	study	NOUN
fbem-29740	13	5	at	at	ADP
fbem-29740	13	6	the	the	DET
fbem-29740	13	7	macro	macro	ADJ
fbem-29740	13	8	level	level	NOUN
fbem-29740	13	9	,	,	PUNCT
fbem-29740	13	10	for	for	ADP
fbem-29740	13	11	many	many	ADJ
fbem-29740	13	12	countries	country	NOUN
fbem-29740	13	13	in	in	ADP
fbem-29740	13	14	the	the	DET
fbem-29740	13	15	world	world	NOUN
fbem-29740	13	16	,	,	PUNCT
fbem-29740	13	17	the	the	DET
fbem-29740	13	18	deposit	deposit	NOUN
fbem-29740	13	19	insurance	insurance	NOUN
fbem-29740	13	20	system	system	NOUN
fbem-29740	13	21	,	,	PUNCT
fbem-29740	13	22	as	as	SCONJ
fbem-29740	13	23	the	the	DET
fbem-29740	13	24	ultimate	ultimate	ADJ
fbem-29740	13	25	guarantee	guarantee	NOUN
fbem-29740	13	26	system	system	NOUN
fbem-29740	13	27	for	for	ADP
fbem-29740	13	28	commercial	commercial	ADJ
fbem-29740	13	29	banks	bank	NOUN
fbem-29740	13	30	,	,	PUNCT
fbem-29740	13	31	relates	relate	VERB
fbem-29740	13	32	to	to	ADP
fbem-29740	13	33	the	the	DET
fbem-29740	13	34	safety	safety	NOUN
fbem-29740	13	35	of	of	ADP
fbem-29740	13	36	the	the	DET
fbem-29740	13	37	entire	entire	ADJ
fbem-29740	13	38	banking	banking	NOUN
fbem-29740	13	39	system	system	NOUN
fbem-29740	13	40	and	and	CCONJ
fbem-29740	13	41	circumvents	circumvent	VERB
fbem-29740	13	42	the	the	DET
fbem-29740	13	43	occurrence	occurrence	NOUN
fbem-29740	13	44	of	of	ADP
fbem-29740	13	45	financial	financial	ADJ
fbem-29740	13	46	crises	crisis	NOUN
fbem-29740	13	47	.	.	PUNCT
fbem-29740	14	1	if	if	SCONJ
fbem-29740	14	2	the	the	DET
fbem-29740	14	3	deposit	deposit	NOUN
fbem-29740	14	4	insurance	insurance	NOUN
fbem-29740	14	5	system	system	NOUN
fbem-29740	14	6	leads	lead	VERB
fbem-29740	14	7	to	to	ADP
fbem-29740	14	8	excessive	excessive	ADJ
fbem-29740	14	9	risk	risk	NOUN
fbem-29740	14	10	-	-	PUNCT
fbem-29740	14	11	taking	taking	NOUN
fbem-29740	14	12	by	by	ADP
fbem-29740	14	13	commercial	commercial	ADJ
fbem-29740	14	14	banks	bank	NOUN
fbem-29740	14	15	and	and	CCONJ
fbem-29740	14	16	higher	high	ADJ
fbem-29740	14	17	moral	moral	ADJ
fbem-29740	14	18	hazards	hazard	NOUN
fbem-29740	14	19	in	in	ADP
fbem-29740	14	20	the	the	DET
fbem-29740	14	21	entire	entire	ADJ
fbem-29740	14	22	banking	banking	NOUN
fbem-29740	14	23	system	system	NOUN
fbem-29740	14	24	,	,	PUNCT
fbem-29740	14	25	it	it	PRON
fbem-29740	14	26	will	will	AUX
fbem-29740	14	27	certainly	certainly	ADV
fbem-29740	14	28	lead	lead	VERB
fbem-29740	14	29	to	to	ADP
fbem-29740	14	30	high	high	ADJ
fbem-29740	14	31	costs	cost	NOUN
fbem-29740	14	32	and	and	CCONJ
fbem-29740	14	33	inefficiency	inefficiency	NOUN
fbem-29740	14	34	in	in	ADP
fbem-29740	14	35	the	the	DET
fbem-29740	14	36	operation	operation	NOUN
fbem-29740	14	37	of	of	ADP
fbem-29740	14	38	the	the	DET
fbem-29740	14	39	entire	entire	ADJ
fbem-29740	14	40	financial	financial	ADJ
fbem-29740	14	41	system	system	NOUN
fbem-29740	14	42	.	.	PUNCT
fbem-29740	15	1	in	in	ADP
fbem-29740	15	2	that	that	DET
fbem-29740	15	3	case	case	NOUN
fbem-29740	15	4	,	,	PUNCT
fbem-29740	15	5	the	the	DET
fbem-29740	15	6	government	government	NOUN
fbem-29740	15	7	will	will	AUX
fbem-29740	15	8	have	have	VERB
fbem-29740	15	9	to	to	PART
fbem-29740	15	10	pay	pay	VERB
fbem-29740	15	11	for	for	ADP
fbem-29740	15	12	the	the	DET
fbem-29740	15	13	huge	huge	ADJ
fbem-29740	15	14	moral	moral	ADJ
fbem-29740	15	15	risk	risk	NOUN
fbem-29740	15	16	and	and	CCONJ
fbem-29740	15	17	destroy	destroy	VERB
fbem-29740	15	18	the	the	DET
fbem-29740	15	19	continuous	continuous	ADJ
fbem-29740	15	20	operation	operation	NOUN
fbem-29740	15	21	of	of	ADP
fbem-29740	15	22	the	the	DET
fbem-29740	15	23	financial	financial	ADJ
fbem-29740	15	24	system	system	NOUN
fbem-29740	15	25	,	,	PUNCT
fbem-29740	15	26	or	or	CCONJ
fbem-29740	15	27	it	it	PRON
fbem-29740	15	28	may	may	AUX
fbem-29740	15	29	lead	lead	VERB
fbem-29740	15	30	to	to	ADP
fbem-29740	15	31	a	a	DET
fbem-29740	15	32	bank	bank	NOUN
fbem-29740	15	33	run	run	NOUN
fbem-29740	15	34	or	or	CCONJ
fbem-29740	15	35	financial	financial	ADJ
fbem-29740	15	36	crisis	crisis	NOUN
fbem-29740	15	37	.	.	PUNCT
fbem-29740	16	1	therefore	therefore	ADV
fbem-29740	16	2	,	,	PUNCT
fbem-29740	16	3	the	the	DET
fbem-29740	16	4	study	study	NOUN
fbem-29740	16	5	of	of	ADP
fbem-29740	16	6	the	the	DET
fbem-29740	16	7	moral	moral	ADJ
fbem-29740	16	8	hazard	hazard	NOUN
fbem-29740	16	9	of	of	ADP
fbem-29740	16	10	commercial	commercial	ADJ
fbem-29740	16	11	banks	bank	NOUN
fbem-29740	16	12	after	after	ADP
fbem-29740	16	13	the	the	DET
fbem-29740	16	14	implementation	implementation	NOUN
fbem-29740	16	15	of	of	ADP
fbem-29740	16	16	china	china	PROPN
fbem-29740	16	17	's	's	PART
fbem-29740	16	18	deposit	deposit	NOUN
fbem-29740	16	19	insurance	insurance	NOUN
fbem-29740	16	20	system	system	NOUN
fbem-29740	16	21	is	be	AUX
fbem-29740	16	22	of	of	ADP
fbem-29740	16	23	great	great	ADJ
fbem-29740	16	24	significance	significance	NOUN
fbem-29740	16	25	to	to	ADP
fbem-29740	16	26	the	the	DET
fbem-29740	16	27	safety	safety	NOUN
fbem-29740	16	28	of	of	ADP
fbem-29740	16	29	the	the	DET
fbem-29740	16	30	banking	banking	NOUN
fbem-29740	16	31	system	system	NOUN
fbem-29740	16	32	,	,	PUNCT
fbem-29740	16	33	financial	financial	ADJ
fbem-29740	16	34	security	security	NOUN
fbem-29740	16	35	and	and	CCONJ
fbem-29740	16	36	china	china	PROPN
fbem-29740	16	37	's	's	PART
fbem-29740	16	38	economic	economic	ADJ
fbem-29740	16	39	transformation	transformation	NOUN
fbem-29740	16	40	.	.	PUNCT
fbem-29740	17	1	from	from	ADP
fbem-29740	17	2	the	the	DET
fbem-29740	17	3	micro	micro	ADJ
fbem-29740	17	4	level	level	NOUN
fbem-29740	17	5	,	,	PUNCT
fbem-29740	17	6	the	the	DET
fbem-29740	17	7	study	study	NOUN
fbem-29740	17	8	of	of	ADP
fbem-29740	17	9	the	the	DET
fbem-29740	17	10	risk	risk	NOUN
fbem-29740	17	11	bearing	bearing	NOUN
fbem-29740	17	12	of	of	ADP
fbem-29740	17	13	commercial	commercial	ADJ
fbem-29740	17	14	banks	bank	NOUN
fbem-29740	17	15	under	under	ADP
fbem-29740	17	16	the	the	DET
fbem-29740	17	17	deposit	deposit	NOUN
fbem-29740	17	18	insurance	insurance	NOUN
fbem-29740	17	19	system	system	NOUN
fbem-29740	17	20	is	be	AUX
fbem-29740	17	21	also	also	ADV
fbem-29740	17	22	conducive	conducive	ADJ
fbem-29740	17	23	to	to	ADP
fbem-29740	17	24	strengthening	strengthen	VERB
fbem-29740	17	25	the	the	DET
fbem-29740	17	26	supervision	supervision	NOUN
fbem-29740	17	27	of	of	ADP
fbem-29740	17	28	commercial	commercial	ADJ
fbem-29740	17	29	banks	bank	NOUN
fbem-29740	17	30	and	and	CCONJ
fbem-29740	17	31	providing	provide	VERB
fbem-29740	17	32	a	a	DET
fbem-29740	17	33	better	well	ADJ
fbem-29740	17	34	environment	environment	NOUN
fbem-29740	17	35	for	for	ADP
fbem-29740	17	36	the	the	DET
fbem-29740	17	37	development	development	NOUN
fbem-29740	17	38	of	of	ADP
fbem-29740	17	39	small	small	ADJ
fbem-29740	17	40	and	and	CCONJ
fbem-29740	17	41	medium	medium	ADJ
fbem-29740	17	42	-	-	PUNCT
fbem-29740	17	43	sized	sized	ADJ
fbem-29740	17	44	banks	bank	NOUN
fbem-29740	17	45	and	and	CCONJ
fbem-29740	17	46	private	private	ADJ
fbem-29740	17	47	banks	bank	NOUN
fbem-29740	17	48	.	.	PUNCT
fbem-29740	18	1	1.1.2	1.1.2	NUM
fbem-29740	18	2	.	.	PUNCT
fbem-29740	18	3	significance	significance	NOUN
fbem-29740	18	4	of	of	ADP
fbem-29740	18	5	the	the	DET
fbem-29740	18	6	research	research	NOUN
fbem-29740	18	7	we	we	PRON
fbem-29740	18	8	empirically	empirically	ADV
fbem-29740	18	9	examine	examine	VERB
fbem-29740	18	10	the	the	DET
fbem-29740	18	11	impact	impact	NOUN
fbem-29740	18	12	of	of	ADP
fbem-29740	18	13	the	the	DET
fbem-29740	18	14	establishment	establishment	NOUN
fbem-29740	18	15	of	of	ADP
fbem-29740	18	16	the	the	DET
fbem-29740	18	17	deposit	deposit	NOUN
fbem-29740	18	18	insurance	insurance	NOUN
fbem-29740	18	19	system	system	NOUN
fbem-29740	18	20	on	on	ADP
fbem-29740	18	21	the	the	DET
fbem-29740	18	22	moral	moral	ADJ
fbem-29740	18	23	hazard	hazard	NOUN
fbem-29740	18	24	of	of	ADP
fbem-29740	18	25	commercial	commercial	ADJ
fbem-29740	18	26	banks	bank	NOUN
fbem-29740	18	27	from	from	ADP
fbem-29740	18	28	the	the	DET
fbem-29740	18	29	perspective	perspective	NOUN
fbem-29740	18	30	of	of	ADP
fbem-29740	18	31	risk	risk	NOUN
fbem-29740	18	32	-	-	PUNCT
fbem-29740	18	33	taking	taking	NOUN
fbem-29740	18	34	,	,	PUNCT
fbem-29740	18	35	and	and	CCONJ
fbem-29740	18	36	measure	measure	VERB
fbem-29740	18	37	the	the	DET
fbem-29740	18	38	moral	moral	ADJ
fbem-29740	18	39	hazard	hazard	NOUN
fbem-29740	18	40	of	of	ADP
fbem-29740	18	41	commercial	commercial	ADJ
fbem-29740	18	42	banks	bank	NOUN
fbem-29740	18	43	by	by	ADP
fbem-29740	18	44	using	use	VERB
fbem-29740	18	45	the	the	DET
fbem-29740	18	46	three	three	NUM
fbem-29740	18	47	variables	variable	NOUN
fbem-29740	18	48	of	of	ADP
fbem-29740	18	49	excess	excess	ADJ
fbem-29740	18	50	loan	loan	NOUN
fbem-29740	18	51	growth	growth	NOUN
fbem-29740	18	52	rate	rate	NOUN
fbem-29740	18	53	,	,	PUNCT
fbem-29740	18	54	risk	risk	NOUN
fbem-29740	18	55	-	-	PUNCT
fbem-29740	18	56	weighted	weight	VERB
fbem-29740	18	57	capital	capital	NOUN
fbem-29740	18	58	ratio	ratio	NOUN
fbem-29740	18	59	and	and	CCONJ
fbem-29740	18	60	capital	capital	NOUN
fbem-29740	18	61	buffer	buffer	NOUN
fbem-29740	18	62	,	,	PUNCT
fbem-29740	18	63	and	and	CCONJ
fbem-29740	18	64	examine	examine	VERB
fbem-29740	18	65	whether	whether	SCONJ
fbem-29740	18	66	the	the	DET
fbem-29740	18	67	deposit	deposit	NOUN
fbem-29740	18	68	insurance	insurance	NOUN
fbem-29740	18	69	system	system	NOUN
fbem-29740	18	70	will	will	AUX
fbem-29740	18	71	lead	lead	VERB
fbem-29740	18	72	to	to	ADP
fbem-29740	18	73	the	the	DET
fbem-29740	18	74	excessive	excessive	ADJ
fbem-29740	18	75	moral	moral	ADJ
fbem-29740	18	76	hazard	hazard	NOUN
fbem-29740	18	77	of	of	ADP
fbem-29740	18	78	commercial	commercial	ADJ
fbem-29740	18	79	banks	bank	NOUN
fbem-29740	18	80	in	in	ADP
fbem-29740	18	81	terms	term	NOUN
fbem-29740	18	82	of	of	ADP
fbem-29740	18	83	the	the	DET
fbem-29740	18	84	banks	bank	NOUN
fbem-29740	18	85	'	'	PART
fbem-29740	18	86	payment	payment	NOUN
fbem-29740	18	87	behaviors	behavior	NOUN
fbem-29740	18	88	,	,	PUNCT
fbem-29740	18	89	asset	asset	NOUN
fbem-29740	18	90	compositions	composition	NOUN
fbem-29740	18	91	and	and	CCONJ
fbem-29740	18	92	their	their	PRON
fbem-29740	18	93	own	own	ADJ
fbem-29740	18	94	capitals	capital	NOUN
fbem-29740	18	95	and	and	CCONJ
fbem-29740	18	96	whether	whether	SCONJ
fbem-29740	18	97	there	there	PRON
fbem-29740	18	98	is	be	VERB
fbem-29740	18	99	any	any	DET
fbem-29740	18	100	difference	difference	NOUN
fbem-29740	18	101	in	in	ADP
fbem-29740	18	102	moral	moral	ADJ
fbem-29740	18	103	hazards	hazard	NOUN
fbem-29740	18	104	among	among	ADP
fbem-29740	18	105	banks	bank	NOUN
fbem-29740	18	106	with	with	ADP
fbem-29740	18	107	different	different	ADJ
fbem-29740	18	108	scales	scale	NOUN
fbem-29740	18	109	,	,	PUNCT
fbem-29740	18	110	and	and	CCONJ
fbem-29740	18	111	propose	propose	VERB
fbem-29740	18	112	more	more	ADV
fbem-29740	18	113	targeted	target	VERB
fbem-29740	18	114	policy	policy	NOUN
fbem-29740	18	115	recommendations	recommendation	NOUN
fbem-29740	18	116	for	for	ADP
fbem-29740	18	117	the	the	DET
fbem-29740	18	118	development	development	NOUN
fbem-29740	18	119	and	and	CCONJ
fbem-29740	18	120	improvement	improvement	NOUN
fbem-29740	18	121	of	of	ADP
fbem-29740	18	122	the	the	DET
fbem-29740	18	123	deposit	deposit	NOUN
fbem-29740	18	124	insurance	insurance	NOUN
fbem-29740	18	125	system	system	NOUN
fbem-29740	18	126	in	in	ADP
fbem-29740	18	127	china	china	PROPN
fbem-29740	18	128	based	base	VERB
fbem-29740	18	129	on	on	ADP
fbem-29740	18	130	the	the	DET
fbem-29740	18	131	empirical	empirical	ADJ
fbem-29740	18	132	conclusions	conclusion	NOUN
fbem-29740	18	133	.	.	PUNCT
fbem-29740	19	1	based	base	VERB
fbem-29740	19	2	on	on	ADP
fbem-29740	19	3	the	the	DET
fbem-29740	19	4	empirical	empirical	ADJ
fbem-29740	19	5	findings	finding	NOUN
fbem-29740	19	6	,	,	PUNCT
fbem-29740	19	7	we	we	PRON
fbem-29740	19	8	propose	propose	VERB
fbem-29740	19	9	more	more	ADV
fbem-29740	19	10	targeted	target	VERB
fbem-29740	19	11	policy	policy	NOUN
fbem-29740	19	12	recommendations	recommendation	NOUN
fbem-29740	19	13	for	for	ADP
fbem-29740	19	14	the	the	DET
fbem-29740	19	15	development	development	NOUN
fbem-29740	19	16	and	and	CCONJ
fbem-29740	19	17	improvement	improvement	NOUN
fbem-29740	19	18	of	of	ADP
fbem-29740	19	19	the	the	DET
fbem-29740	19	20	deposit	deposit	NOUN
fbem-29740	19	21	insurance	insurance	NOUN
fbem-29740	19	22	system	system	NOUN
fbem-29740	19	23	in	in	ADP
fbem-29740	19	24	china	china	PROPN
fbem-29740	19	25	.	.	PUNCT
fbem-29740	20	1	1.2	1.2	NUM
fbem-29740	20	2	.	.	X
fbem-29740	20	3	review	review	NOUN
fbem-29740	20	4	of	of	ADP
fbem-29740	20	5	domestic	domestic	ADJ
fbem-29740	20	6	and	and	CCONJ
fbem-29740	20	7	foreign	foreign	ADJ
fbem-29740	20	8	research	research	NOUN
fbem-29740	20	9	literature	literature	PROPN
fbem-29740	20	10	1.2.1	1.2.1	NUM
fbem-29740	20	11	.	.	PUNCT
fbem-29740	21	1	current	current	ADJ
fbem-29740	21	2	status	status	NOUN
fbem-29740	21	3	of	of	ADP
fbem-29740	21	4	domestic	domestic	ADJ
fbem-29740	21	5	research	research	NOUN
fbem-29740	21	6	xiang	xiang	PROPN
fbem-29740	21	7	houjun	houjun	PROPN
fbem-29740	21	8	and	and	CCONJ
fbem-29740	21	9	zhang	zhang	PROPN
fbem-29740	21	10	qingjun	qingjun	PROPN
fbem-29740	21	11	(	(	PUNCT
fbem-29740	21	12	2020	2020	NUM
fbem-29740	21	13	)	)	PUNCT
fbem-29740	21	14	found	find	VERB
fbem-29740	21	15	that	that	SCONJ
fbem-29740	21	16	the	the	DET
fbem-29740	21	17	deposit	deposit	NOUN
fbem-29740	21	18	insurance	insurance	NOUN
fbem-29740	21	19	system	system	NOUN
fbem-29740	21	20	can	can	AUX
fbem-29740	21	21	reduce	reduce	VERB
fbem-29740	21	22	the	the	DET
fbem-29740	21	23	risk	risk	NOUN
fbem-29740	21	24	of	of	ADP
fbem-29740	21	25	high	high	ADJ
fbem-29740	21	26	-	-	PUNCT
fbem-29740	21	27	risk	risk	NOUN
fbem-29740	21	28	banks	bank	NOUN
fbem-29740	21	29	on	on	ADP
fbem-29740	21	30	the	the	DET
fbem-29740	21	31	one	one	NUM
fbem-29740	21	32	hand	hand	NOUN
fbem-29740	21	33	,	,	PUNCT
fbem-29740	21	34	but	but	CCONJ
fbem-29740	21	35	at	at	ADP
fbem-29740	21	36	the	the	DET
fbem-29740	21	37	same	same	ADJ
fbem-29740	21	38	time	time	NOUN
fbem-29740	21	39	,	,	PUNCT
fbem-29740	21	40	it	it	PRON
fbem-29740	21	41	will	will	AUX
fbem-29740	21	42	incentivize	incentivize	VERB
fbem-29740	21	43	low	low	ADJ
fbem-29740	21	44	-	-	PUNCT
fbem-29740	21	45	risk	risk	NOUN
fbem-29740	21	46	banks	bank	NOUN
fbem-29740	21	47	to	to	PART
fbem-29740	21	48	adjust	adjust	VERB
fbem-29740	21	49	their	their	PRON
fbem-29740	21	50	risk	risk	NOUN
fbem-29740	21	51	.	.	PUNCT
fbem-29740	22	1	tang	tang	PROPN
fbem-29740	22	2	hongbo	hongbo	PROPN
fbem-29740	22	3	(	(	PUNCT
fbem-29740	22	4	2008	2008	NUM
fbem-29740	22	5	)	)	PUNCT
fbem-29740	22	6	found	find	VERB
fbem-29740	22	7	that	that	SCONJ
fbem-29740	22	8	the	the	PRON
fbem-29740	22	9	better	well	ADJ
fbem-29740	22	10	the	the	DET
fbem-29740	22	11	corporate	corporate	ADJ
fbem-29740	22	12	governance	governance	NOUN
fbem-29740	22	13	of	of	ADP
fbem-29740	22	14	banks	bank	NOUN
fbem-29740	22	15	,	,	PUNCT
fbem-29740	22	16	the	the	DET
fbem-29740	22	17	less	less	ADV
fbem-29740	22	18	moral	moral	ADJ
fbem-29740	22	19	hazard	hazard	NOUN
fbem-29740	22	20	the	the	DET
fbem-29740	22	21	deposit	deposit	NOUN
fbem-29740	22	22	insurance	insurance	NOUN
fbem-29740	22	23	system	system	NOUN
fbem-29740	22	24	brings	bring	VERB
fbem-29740	22	25	.	.	PUNCT
fbem-29740	23	1	wang	wang	PROPN
fbem-29740	23	2	daoping	daoping	PROPN
fbem-29740	23	3	(	(	PUNCT
fbem-29740	23	4	2016	2016	NUM
fbem-29740	23	5	)	)	PUNCT
fbem-29740	23	6	found	find	VERB
fbem-29740	23	7	that	that	SCONJ
fbem-29740	23	8	the	the	PRON
fbem-29740	23	9	tighter	tight	ADJ
fbem-29740	23	10	the	the	DET
fbem-29740	23	11	regulation	regulation	NOUN
fbem-29740	23	12	,	,	PUNCT
fbem-29740	23	13	the	the	PRON
fbem-29740	23	14	stronger	strong	ADJ
fbem-29740	23	15	the	the	DET
fbem-29740	23	16	financial	financial	ADJ
fbem-29740	23	17	stability	stability	NOUN
fbem-29740	23	18	effect	effect	NOUN
fbem-29740	23	19	;	;	PUNCT
fbem-29740	23	20	the	the	PRON
fbem-29740	23	21	looser	loose	ADJ
fbem-29740	23	22	the	the	DET
fbem-29740	23	23	regulation	regulation	NOUN
fbem-29740	23	24	,	,	PUNCT
fbem-29740	23	25	the	the	PRON
fbem-29740	23	26	stronger	strong	ADJ
fbem-29740	23	27	the	the	DET
fbem-29740	23	28	moral	moral	ADJ
fbem-29740	23	29	hazard	hazard	NOUN
fbem-29740	23	30	.	.	PUNCT
fbem-29740	24	1	tian	tian	PROPN
fbem-29740	24	2	et	et	PROPN
fbem-29740	24	3	al	al	PROPN
fbem-29740	24	4	.	.	PUNCT
fbem-29740	25	1	(	(	PUNCT
fbem-29740	25	2	2016	2016	NUM
fbem-29740	25	3	)	)	PUNCT
fbem-29740	25	4	found	find	VERB
fbem-29740	25	5	that	that	SCONJ
fbem-29740	25	6	in	in	ADP
fbem-29740	25	7	the	the	DET
fbem-29740	25	8	institutional	institutional	ADJ
fbem-29740	25	9	environment	environment	NOUN
fbem-29740	25	10	where	where	SCONJ
fbem-29740	25	11	the	the	DET
fbem-29740	25	12	government	government	NOUN
fbem-29740	25	13	intervenes	intervene	VERB
fbem-29740	25	14	more	more	ADV
fbem-29740	25	15	and	and	CCONJ
fbem-29740	25	16	provides	provide	VERB
fbem-29740	25	17	implicit	implicit	ADJ
fbem-29740	25	18	guarantees	guarantee	NOUN
fbem-29740	25	19	,	,	PUNCT
fbem-29740	25	20	the	the	PRON
fbem-29740	25	21	higher	high	ADJ
fbem-29740	25	22	the	the	DET
fbem-29740	25	23	moral	moral	ADJ
fbem-29740	25	24	hazard	hazard	NOUN
fbem-29740	25	25	brought	bring	VERB
fbem-29740	25	26	about	about	ADP
fbem-29740	25	27	by	by	ADP
fbem-29740	25	28	the	the	DET
fbem-29740	25	29	deposit	deposit	NOUN
fbem-29740	25	30	insurance	insurance	NOUN
fbem-29740	25	31	system	system	NOUN
fbem-29740	25	32	;	;	PUNCT
fbem-29740	25	33	in	in	ADP
fbem-29740	25	34	the	the	DET
fbem-29740	25	35	country	country	NOUN
fbem-29740	25	36	where	where	SCONJ
fbem-29740	25	37	the	the	DET
fbem-29740	25	38	government	government	NOUN
fbem-29740	25	39	intervenes	intervene	VERB
fbem-29740	25	40	less	less	ADJ
fbem-29740	25	41	and	and	CCONJ
fbem-29740	25	42	the	the	DET
fbem-29740	25	43	financial	financial	ADJ
fbem-29740	25	44	system	system	NOUN
fbem-29740	25	45	is	be	AUX
fbem-29740	25	46	perfect	perfect	ADJ
fbem-29740	25	47	,	,	PUNCT
fbem-29740	25	48	the	the	PRON
fbem-29740	25	49	stronger	strong	ADJ
fbem-29740	25	50	the	the	DET
fbem-29740	25	51	financial	financial	ADJ
fbem-29740	25	52	stabilization	stabilization	NOUN
fbem-29740	25	53	effect	effect	NOUN
fbem-29740	25	54	brought	bring	VERB
fbem-29740	25	55	about	about	ADP
fbem-29740	25	56	by	by	ADP
fbem-29740	25	57	the	the	DET
fbem-29740	25	58	deposit	deposit	NOUN
fbem-29740	25	59	insurance	insurance	NOUN
fbem-29740	25	60	system	system	NOUN
fbem-29740	25	61	.	.	PUNCT
fbem-29740	26	1	guo	guo	PROPN
fbem-29740	26	2	ye	ye	PROPN
fbem-29740	26	3	and	and	CCONJ
fbem-29740	26	4	zhao	zhao	PROPN
fbem-29740	26	5	jing	jing	PROPN
fbem-29740	26	6	(	(	PUNCT
fbem-29740	26	7	2017	2017	NUM
fbem-29740	26	8	)	)	PUNCT
fbem-29740	26	9	found	find	VERB
fbem-29740	26	10	that	that	SCONJ
fbem-29740	26	11	the	the	PRON
fbem-29740	26	12	higher	high	ADJ
fbem-29740	26	13	the	the	DET
fbem-29740	26	14	bank	bank	NOUN
fbem-29740	26	15	leverage	leverage	NOUN
fbem-29740	26	16	ratio	ratio	NOUN
fbem-29740	26	17	and	and	CCONJ
fbem-29740	26	18	the	the	PRON
fbem-29740	26	19	higher	high	ADJ
fbem-29740	26	20	the	the	DET
fbem-29740	26	21	shareholding	shareholding	NOUN
fbem-29740	26	22	ratio	ratio	NOUN
fbem-29740	26	23	of	of	ADP
fbem-29740	26	24	the	the	DET
fbem-29740	26	25	first	first	ADJ
fbem-29740	26	26	largest	large	ADJ
fbem-29740	26	27	shareholder	shareholder	NOUN
fbem-29740	26	28	,	,	PUNCT
fbem-29740	26	29	the	the	PRON
fbem-29740	26	30	greater	great	ADJ
fbem-29740	26	31	the	the	DET
fbem-29740	26	32	moral	moral	ADJ
fbem-29740	26	33	hazard	hazard	NOUN
fbem-29740	26	34	brought	bring	VERB
fbem-29740	26	35	by	by	ADP
fbem-29740	26	36	the	the	DET
fbem-29740	26	37	deposit	deposit	NOUN
fbem-29740	26	38	insurance	insurance	NOUN
fbem-29740	26	39	system	system	NOUN
fbem-29740	26	40	.	.	PUNCT
fbem-29740	27	1	1.2.2	1.2.2	X
fbem-29740	27	2	.	.	PUNCT
fbem-29740	27	3	current	current	ADJ
fbem-29740	27	4	status	status	NOUN
fbem-29740	27	5	of	of	ADP
fbem-29740	27	6	foreign	foreign	ADJ
fbem-29740	27	7	research	research	NOUN
fbem-29740	27	8	maureen	maureen	PROPN
fbem-29740	27	9	o'hara	o'hara	PROPN
fbem-29740	27	10	and	and	CCONJ
fbem-29740	27	11	wayne	wayne	PROPN
fbem-29740	27	12	shaw	shaw	PROPN
fbem-29740	27	13	(	(	PUNCT
fbem-29740	27	14	2012	2012	NUM
fbem-29740	27	15	)	)	PUNCT
fbem-29740	27	16	examined	examine	VERB
fbem-29740	27	17	the	the	DET
fbem-29740	27	18	impact	impact	NOUN
fbem-29740	27	19	of	of	ADP
fbem-29740	27	20	this	this	DET
fbem-29740	27	21	event	event	NOUN
fbem-29740	27	22	on	on	ADP
fbem-29740	27	23	11	11	NUM
fbem-29740	27	24	“	"	PUNCT
fbem-29740	27	25	too	too	ADV
fbem-29740	27	26	big	big	ADJ
fbem-29740	27	27	to	to	PART
fbem-29740	27	28	fail	fail	VERB
fbem-29740	27	29	”	"	PUNCT
fbem-29740	27	30	banks	bank	NOUN
fbem-29740	27	31	,	,	PUNCT
fbem-29740	27	32	as	as	ADV
fbem-29740	27	33	well	well	ADV
fbem-29740	27	34	as	as	ADP
fbem-29740	27	35	those	those	PRON
fbem-29740	27	36	implicitly	implicitly	ADV
fbem-29740	27	37	deemed	deem	VERB
fbem-29740	27	38	“	"	PUNCT
fbem-29740	27	39	too	too	ADV
fbem-29740	27	40	small	small	ADJ
fbem-29740	27	41	to	to	PART
fbem-29740	27	42	save	save	VERB
fbem-29740	27	43	”	"	PUNCT
fbem-29740	27	44	,	,	PUNCT
fbem-29740	27	45	through	through	ADP
fbem-29740	27	46	an	an	DET
fbem-29740	27	47	event	event	NOUN
fbem-29740	27	48	study	study	NOUN
fbem-29740	27	49	approach	approach	NOUN
fbem-29740	27	50	.	.	PUNCT
fbem-29740	28	1	the	the	DET
fbem-29740	28	2	results	result	NOUN
fbem-29740	28	3	show	show	VERB
fbem-29740	28	4	that	that	SCONJ
fbem-29740	28	5	the	the	DET
fbem-29740	28	6	event	event	NOUN
fbem-29740	28	7	had	have	VERB
fbem-29740	28	8	an	an	DET
fbem-29740	28	9	impact	impact	NOUN
fbem-29740	28	10	on	on	ADP
fbem-29740	28	11	11	11	NUM
fbem-29740	28	12	banks	bank	NOUN
fbem-29740	28	13	that	that	PRON
fbem-29740	28	14	were	be	AUX
fbem-29740	28	15	“	"	PUNCT
fbem-29740	28	16	too	too	ADV
fbem-29740	28	17	big	big	ADJ
fbem-29740	28	18	to	to	PART
fbem-29740	28	19	fail	fail	VERB
fbem-29740	28	20	”	"	PUNCT
fbem-29740	28	21	and	and	CCONJ
fbem-29740	28	22	those	those	PRON
fbem-29740	28	23	that	that	PRON
fbem-29740	28	24	were	be	AUX
fbem-29740	28	25	implicitly	implicitly	ADV
fbem-29740	28	26	considered	consider	VERB
fbem-29740	28	27	“	"	PUNCT
fbem-29740	28	28	too	too	ADV
fbem-29740	28	29	small	small	ADJ
fbem-29740	28	30	to	to	PART
fbem-29740	28	31	save	save	VERB
fbem-29740	28	32	”	"	PUNCT
fbem-29740	28	33	.	.	PUNCT
fbem-29740	29	1	the	the	DET
fbem-29740	29	2	results	result	NOUN
fbem-29740	29	3	show	show	VERB
fbem-29740	29	4	that	that	SCONJ
fbem-29740	29	5	the	the	DET
fbem-29740	29	6	event	event	NOUN
fbem-29740	29	7	had	have	VERB
fbem-29740	29	8	a	a	DET
fbem-29740	29	9	significant	significant	ADJ
fbem-29740	29	10	positive	positive	ADJ
fbem-29740	29	11	wealth	wealth	NOUN
fbem-29740	29	12	effect	effect	NOUN
fbem-29740	29	13	on	on	ADP
fbem-29740	29	14	the	the	DET
fbem-29740	29	15	240	240	NUM
fbem-29740	29	16	11	11	NUM
fbem-29740	29	17	“	"	PUNCT
fbem-29740	29	18	too	too	ADV
fbem-29740	29	19	big	big	ADJ
fbem-29740	29	20	to	to	PART
fbem-29740	29	21	fail	fail	VERB
fbem-29740	29	22	”	"	PUNCT
fbem-29740	29	23	banks	bank	NOUN
fbem-29740	29	24	and	and	CCONJ
fbem-29740	29	25	a	a	DET
fbem-29740	29	26	corresponding	corresponding	ADJ
fbem-29740	29	27	negative	negative	ADJ
fbem-29740	29	28	effect	effect	NOUN
fbem-29740	29	29	on	on	ADP
fbem-29740	29	30	the	the	DET
fbem-29740	29	31	other	other	ADJ
fbem-29740	29	32	banks	bank	NOUN
fbem-29740	29	33	.	.	PUNCT
fbem-29740	30	1	the	the	DET
fbem-29740	30	2	authors	author	NOUN
fbem-29740	30	3	also	also	ADV
fbem-29740	30	4	show	show	VERB
fbem-29740	30	5	that	that	SCONJ
fbem-29740	30	6	the	the	DET
fbem-29740	30	7	magnitude	magnitude	NOUN
fbem-29740	30	8	of	of	ADP
fbem-29740	30	9	these	these	DET
fbem-29740	30	10	effects	effect	NOUN
fbem-29740	30	11	depends	depend	VERB
fbem-29740	30	12	on	on	ADP
fbem-29740	30	13	the	the	DET
fbem-29740	30	14	solvency	solvency	NOUN
fbem-29740	30	15	and	and	CCONJ
fbem-29740	30	16	size	size	NOUN
fbem-29740	30	17	of	of	ADP
fbem-29740	30	18	the	the	DET
fbem-29740	30	19	bank.onali	bank.onali	PROPN
fbem-29740	30	20	and	and	CCONJ
fbem-29740	30	21	hryckiewicz	hryckiewicz	NOUN
fbem-29740	30	22	(	(	PUNCT
fbem-29740	30	23	2014	2014	NUM
fbem-29740	30	24	)	)	PUNCT
fbem-29740	30	25	examine	examine	VERB
fbem-29740	30	26	the	the	DET
fbem-29740	30	27	relationship	relationship	NOUN
fbem-29740	30	28	between	between	ADP
fbem-29740	30	29	dividends	dividend	NOUN
fbem-29740	30	30	and	and	CCONJ
fbem-29740	30	31	state	state	NOUN
fbem-29740	30	32	financial	financial	ADJ
fbem-29740	30	33	help	help	NOUN
fbem-29740	30	34	and	and	CCONJ
fbem-29740	30	35	bank	bank	NOUN
fbem-29740	30	36	moral	moral	ADJ
fbem-29740	30	37	hazard	hazard	NOUN
fbem-29740	30	38	,	,	PUNCT
fbem-29740	30	39	respectively	respectively	ADV
fbem-29740	30	40	.	.	PUNCT
fbem-29740	31	1	hoque	hoque	NOUN
fbem-29740	31	2	et	et	PROPN
fbem-29740	31	3	al	al	PROPN
fbem-29740	31	4	.	.	PROPN
fbem-29740	32	1	(	(	PUNCT
fbem-29740	32	2	2015	2015	NUM
fbem-29740	32	3	)	)	PUNCT
fbem-29740	32	4	,	,	PUNCT
fbem-29740	32	5	in	in	ADP
fbem-29740	32	6	order	order	NOUN
fbem-29740	32	7	to	to	PART
fbem-29740	32	8	empirically	empirically	ADV
fbem-29740	32	9	test	test	VERB
fbem-29740	32	10	the	the	DET
fbem-29740	32	11	impact	impact	NOUN
fbem-29740	32	12	of	of	ADP
fbem-29740	32	13	the	the	DET
fbem-29740	32	14	establishment	establishment	NOUN
fbem-29740	32	15	of	of	ADP
fbem-29740	32	16	deposit	deposit	NOUN
fbem-29740	32	17	insurance	insurance	NOUN
fbem-29740	32	18	system	system	NOUN
fbem-29740	32	19	on	on	ADP
fbem-29740	32	20	moral	moral	ADJ
fbem-29740	32	21	hazard	hazard	NOUN
fbem-29740	32	22	in	in	ADP
fbem-29740	32	23	commercial	commercial	ADJ
fbem-29740	32	24	banks	bank	NOUN
fbem-29740	32	25	from	from	ADP
fbem-29740	32	26	different	different	ADJ
fbem-29740	32	27	perspectives	perspective	NOUN
fbem-29740	32	28	,	,	PUNCT
fbem-29740	32	29	selected	select	VERB
fbem-29740	32	30	a	a	DET
fbem-29740	32	31	total	total	NOUN
fbem-29740	32	32	of	of	ADP
fbem-29740	32	33	378	378	NUM
fbem-29740	32	34	listed	list	VERB
fbem-29740	32	35	banks	bank	NOUN
fbem-29740	32	36	in	in	ADP
fbem-29740	32	37	the	the	DET
fbem-29740	32	38	world	world	NOUN
fbem-29740	32	39	as	as	ADP
fbem-29740	32	40	a	a	DET
fbem-29740	32	41	sample	sample	NOUN
fbem-29740	32	42	and	and	CCONJ
fbem-29740	32	43	found	find	VERB
fbem-29740	32	44	that	that	SCONJ
fbem-29740	32	45	the	the	DET
fbem-29740	32	46	deposit	deposit	NOUN
fbem-29740	32	47	insurance	insurance	NOUN
fbem-29740	32	48	system	system	NOUN
fbem-29740	32	49	incentivizes	incentivize	VERB
fbem-29740	32	50	risktaking	risktake	VERB
fbem-29740	32	51	in	in	ADP
fbem-29740	32	52	banks.anginer	banks.anginer	PROPN
fbem-29740	32	53	et	et	PROPN
fbem-29740	32	54	al	al	PROPN
fbem-29740	32	55	.	.	PUNCT
fbem-29740	33	1	(	(	PUNCT
fbem-29740	33	2	2014	2014	NUM
fbem-29740	33	3	)	)	PUNCT
fbem-29740	33	4	selected	select	VERB
fbem-29740	33	5	a	a	DET
fbem-29740	33	6	sample	sample	NOUN
fbem-29740	33	7	of	of	ADP
fbem-29740	33	8	4109	4109	NUM
fbem-29740	33	9	banks	bank	NOUN
fbem-29740	33	10	in	in	ADP
fbem-29740	33	11	96	96	NUM
fbem-29740	33	12	countries	country	NOUN
fbem-29740	33	13	around	around	ADP
fbem-29740	33	14	the	the	DET
fbem-29740	33	15	world	world	NOUN
fbem-29740	33	16	and	and	CCONJ
fbem-29740	33	17	empirically	empirically	ADV
fbem-29740	33	18	examined	examine	VERB
fbem-29740	33	19	the	the	DET
fbem-29740	33	20	impact	impact	NOUN
fbem-29740	33	21	of	of	ADP
fbem-29740	33	22	moral	moral	ADJ
fbem-29740	33	23	hazard	hazard	NOUN
fbem-29740	33	24	on	on	ADP
fbem-29740	33	25	the	the	DET
fbem-29740	33	26	deposit	deposit	NOUN
fbem-29740	33	27	insurance	insurance	NOUN
fbem-29740	33	28	system	system	NOUN
fbem-29740	33	29	.	.	PUNCT
fbem-29740	34	1	1.3	1.3	NUM
fbem-29740	34	2	.	.	PUNCT
fbem-29740	34	3	main	main	ADJ
fbem-29740	34	4	elements	element	NOUN
fbem-29740	34	5	of	of	ADP
fbem-29740	34	6	this	this	DET
fbem-29740	34	7	study	study	NOUN
fbem-29740	34	8	since	since	SCONJ
fbem-29740	34	9	china	china	PROPN
fbem-29740	34	10	's	's	PART
fbem-29740	34	11	explicit	explicit	ADJ
fbem-29740	34	12	deposit	deposit	NOUN
fbem-29740	34	13	insurance	insurance	NOUN
fbem-29740	34	14	system	system	NOUN
fbem-29740	34	15	only	only	ADV
fbem-29740	34	16	came	come	VERB
fbem-29740	34	17	into	into	ADP
fbem-29740	34	18	force	force	NOUN
fbem-29740	34	19	in	in	ADP
fbem-29740	34	20	2015	2015	NUM
fbem-29740	34	21	,	,	PUNCT
fbem-29740	34	22	and	and	CCONJ
fbem-29740	34	23	now	now	ADV
fbem-29740	34	24	it	it	PRON
fbem-29740	34	25	is	be	AUX
fbem-29740	34	26	only	only	ADV
fbem-29740	34	27	in	in	ADP
fbem-29740	34	28	the	the	DET
fbem-29740	34	29	early	early	ADJ
fbem-29740	34	30	stage	stage	NOUN
fbem-29740	34	31	of	of	ADP
fbem-29740	34	32	construction	construction	NOUN
fbem-29740	34	33	,	,	PUNCT
fbem-29740	34	34	so	so	CCONJ
fbem-29740	34	35	the	the	DET
fbem-29740	34	36	specific	specific	ADJ
fbem-29740	34	37	implementation	implementation	NOUN
fbem-29740	34	38	rules	rule	NOUN
fbem-29740	34	39	are	be	AUX
fbem-29740	34	40	still	still	ADV
fbem-29740	34	41	imperfect	imperfect	ADJ
fbem-29740	34	42	,	,	PUNCT
fbem-29740	34	43	and	and	CCONJ
fbem-29740	34	44	the	the	DET
fbem-29740	34	45	collection	collection	NOUN
fbem-29740	34	46	of	of	ADP
fbem-29740	34	47	relevant	relevant	ADJ
fbem-29740	34	48	data	datum	NOUN
fbem-29740	34	49	is	be	AUX
fbem-29740	34	50	relatively	relatively	ADV
fbem-29740	34	51	weak	weak	ADJ
fbem-29740	34	52	.	.	PUNCT
fbem-29740	35	1	after	after	ADP
fbem-29740	35	2	collecting	collect	VERB
fbem-29740	35	3	relevant	relevant	ADJ
fbem-29740	35	4	literature	literature	NOUN
fbem-29740	35	5	,	,	PUNCT
fbem-29740	35	6	this	this	DET
fbem-29740	35	7	paper	paper	NOUN
fbem-29740	35	8	will	will	AUX
fbem-29740	35	9	analyze	analyze	VERB
fbem-29740	35	10	the	the	DET
fbem-29740	35	11	impact	impact	NOUN
fbem-29740	35	12	of	of	ADP
fbem-29740	35	13	the	the	DET
fbem-29740	35	14	deposit	deposit	NOUN
fbem-29740	35	15	insurance	insurance	NOUN
fbem-29740	35	16	system	system	NOUN
fbem-29740	35	17	on	on	ADP
fbem-29740	35	18	the	the	DET
fbem-29740	35	19	moral	moral	ADJ
fbem-29740	35	20	hazard	hazard	NOUN
fbem-29740	35	21	of	of	ADP
fbem-29740	35	22	commercial	commercial	ADJ
fbem-29740	35	23	banks	bank	NOUN
fbem-29740	35	24	from	from	ADP
fbem-29740	35	25	the	the	DET
fbem-29740	35	26	following	follow	VERB
fbem-29740	35	27	contents	content	NOUN
fbem-29740	35	28	and	and	CCONJ
fbem-29740	35	29	ideas	idea	NOUN
fbem-29740	35	30	.	.	PUNCT
fbem-29740	36	1	to	to	PART
fbem-29740	36	2	empirically	empirically	ADV
fbem-29740	36	3	examine	examine	VERB
fbem-29740	36	4	the	the	DET
fbem-29740	36	5	impact	impact	NOUN
fbem-29740	36	6	of	of	ADP
fbem-29740	36	7	the	the	DET
fbem-29740	36	8	deposit	deposit	NOUN
fbem-29740	36	9	insurance	insurance	NOUN
fbem-29740	36	10	system	system	NOUN
fbem-29740	36	11	on	on	ADP
fbem-29740	36	12	the	the	DET
fbem-29740	36	13	moral	moral	ADJ
fbem-29740	36	14	hazard	hazard	NOUN
fbem-29740	36	15	of	of	ADP
fbem-29740	36	16	commercial	commercial	ADJ
fbem-29740	36	17	banks	bank	NOUN
fbem-29740	36	18	from	from	ADP
fbem-29740	36	19	the	the	DET
fbem-29740	36	20	perspective	perspective	NOUN
fbem-29740	36	21	of	of	ADP
fbem-29740	36	22	risk	risk	NOUN
fbem-29740	36	23	-	-	PUNCT
fbem-29740	36	24	taking	taking	NOUN
fbem-29740	36	25	,	,	PUNCT
fbem-29740	36	26	this	this	DET
fbem-29740	36	27	paper	paper	NOUN
fbem-29740	36	28	uses	use	VERB
fbem-29740	36	29	the	the	DET
fbem-29740	36	30	three	three	NUM
fbem-29740	36	31	variables	variable	NOUN
fbem-29740	36	32	of	of	ADP
fbem-29740	36	33	excessive	excessive	ADJ
fbem-29740	36	34	loan	loan	NOUN
fbem-29740	36	35	growth	growth	NOUN
fbem-29740	36	36	rate	rate	NOUN
fbem-29740	36	37	,	,	PUNCT
fbem-29740	36	38	risk	risk	NOUN
fbem-29740	36	39	-	-	PUNCT
fbem-29740	36	40	weighted	weight	VERB
fbem-29740	36	41	asset	asset	NOUN
fbem-29740	36	42	ratio	ratio	NOUN
fbem-29740	36	43	,	,	PUNCT
fbem-29740	36	44	and	and	CCONJ
fbem-29740	36	45	capital	capital	NOUN
fbem-29740	36	46	buffer	buffer	NOUN
fbem-29740	36	47	as	as	ADP
fbem-29740	36	48	the	the	DET
fbem-29740	36	49	explanatory	explanatory	ADJ
fbem-29740	36	50	variables	variable	NOUN
fbem-29740	36	51	,	,	PUNCT
fbem-29740	36	52	and	and	CCONJ
fbem-29740	36	53	the	the	DET
fbem-29740	36	54	bank	bank	NOUN
fbem-29740	36	55	size	size	NOUN
fbem-29740	36	56	,	,	PUNCT
fbem-29740	36	57	currency	currency	NOUN
fbem-29740	36	58	liquidity	liquidity	NOUN
fbem-29740	36	59	,	,	PUNCT
fbem-29740	36	60	cost	cost	NOUN
fbem-29740	36	61	-	-	PUNCT
fbem-29740	36	62	income	income	NOUN
fbem-29740	36	63	ratio	ratio	NOUN
fbem-29740	36	64	,	,	PUNCT
fbem-29740	36	65	and	and	CCONJ
fbem-29740	36	66	consumer	consumer	NOUN
fbem-29740	36	67	price	price	NOUN
fbem-29740	36	68	index	index	NOUN
fbem-29740	36	69	as	as	ADP
fbem-29740	36	70	the	the	DET
fbem-29740	36	71	control	control	NOUN
fbem-29740	36	72	variables	variable	VERB
fbem-29740	36	73	to	to	PART
fbem-29740	36	74	examine	examine	VERB
fbem-29740	36	75	whether	whether	SCONJ
fbem-29740	36	76	the	the	DET
fbem-29740	36	77	deposit	deposit	NOUN
fbem-29740	36	78	insurance	insurance	NOUN
fbem-29740	36	79	system	system	NOUN
fbem-29740	36	80	will	will	AUX
fbem-29740	36	81	lead	lead	VERB
fbem-29740	36	82	to	to	ADP
fbem-29740	36	83	the	the	DET
fbem-29740	36	84	corresponding	corresponding	ADJ
fbem-29740	36	85	moral	moral	ADJ
fbem-29740	36	86	hazard	hazard	NOUN
fbem-29740	36	87	problem	problem	NOUN
fbem-29740	36	88	of	of	ADP
fbem-29740	36	89	commercial	commercial	ADJ
fbem-29740	36	90	banks	bank	NOUN
fbem-29740	36	91	and	and	CCONJ
fbem-29740	36	92	whether	whether	SCONJ
fbem-29740	36	93	banks	bank	NOUN
fbem-29740	36	94	with	with	ADP
fbem-29740	36	95	different	different	ADJ
fbem-29740	36	96	operating	operating	NOUN
fbem-29740	36	97	scales	scale	NOUN
fbem-29740	36	98	will	will	AUX
fbem-29740	36	99	face	face	VERB
fbem-29740	36	100	the	the	DET
fbem-29740	36	101	same	same	ADJ
fbem-29740	36	102	moral	moral	ADJ
fbem-29740	36	103	hazard	hazard	NOUN
fbem-29740	36	104	problem	problem	NOUN
fbem-29740	36	105	when	when	SCONJ
fbem-29740	36	106	facing	face	VERB
fbem-29740	36	107	the	the	DET
fbem-29740	36	108	same	same	ADJ
fbem-29740	36	109	risk	risk	NOUN
fbem-29740	36	110	,	,	PUNCT
fbem-29740	36	111	and	and	CCONJ
fbem-29740	36	112	whether	whether	SCONJ
fbem-29740	36	113	banks	bank	NOUN
fbem-29740	36	114	with	with	ADP
fbem-29740	36	115	different	different	ADJ
fbem-29740	36	116	operating	operating	NOUN
fbem-29740	36	117	scales	scale	NOUN
fbem-29740	36	118	will	will	AUX
fbem-29740	36	119	face	face	VERB
fbem-29740	36	120	the	the	DET
fbem-29740	36	121	same	same	ADJ
fbem-29740	36	122	risk	risk	NOUN
fbem-29740	36	123	when	when	SCONJ
fbem-29740	36	124	facing	face	VERB
fbem-29740	36	125	the	the	DET
fbem-29740	36	126	same	same	ADJ
fbem-29740	36	127	risk	risk	NOUN
fbem-29740	36	128	.	.	PUNCT
fbem-29740	37	1	the	the	DET
fbem-29740	37	2	three	three	NUM
fbem-29740	37	3	variables	variable	NOUN
fbem-29740	37	4	of	of	ADP
fbem-29740	37	5	bank	bank	NOUN
fbem-29740	37	6	size	size	NOUN
fbem-29740	37	7	,	,	PUNCT
fbem-29740	37	8	capital	capital	NOUN
fbem-29740	37	9	buffer	buffer	NOUN
fbem-29740	37	10	,	,	PUNCT
fbem-29740	37	11	cost	cost	NOUN
fbem-29740	37	12	-	-	PUNCT
fbem-29740	37	13	to	to	ADP
fbem-29740	37	14	-	-	PUNCT
fbem-29740	37	15	income	income	NOUN
fbem-29740	37	16	ratio	ratio	NOUN
fbem-29740	37	17	,	,	PUNCT
fbem-29740	37	18	and	and	CCONJ
fbem-29740	37	19	consumer	consumer	NOUN
fbem-29740	37	20	price	price	NOUN
fbem-29740	37	21	index	index	NOUN
fbem-29740	37	22	are	be	AUX
fbem-29740	37	23	used	use	VERB
fbem-29740	37	24	as	as	ADP
fbem-29740	37	25	explanatory	explanatory	ADJ
fbem-29740	37	26	variables	variable	NOUN
fbem-29740	37	27	to	to	PART
fbem-29740	37	28	examine	examine	VERB
fbem-29740	37	29	whether	whether	SCONJ
fbem-29740	37	30	the	the	DET
fbem-29740	37	31	deposit	deposit	NOUN
fbem-29740	37	32	insurance	insurance	NOUN
fbem-29740	37	33	system	system	NOUN
fbem-29740	37	34	will	will	AUX
fbem-29740	37	35	lead	lead	VERB
fbem-29740	37	36	to	to	ADP
fbem-29740	37	37	the	the	DET
fbem-29740	37	38	corresponding	corresponding	ADJ
fbem-29740	37	39	moral	moral	ADJ
fbem-29740	37	40	hazard	hazard	NOUN
fbem-29740	37	41	problem	problem	NOUN
fbem-29740	37	42	in	in	ADP
fbem-29740	37	43	commercial	commercial	ADJ
fbem-29740	37	44	banks	bank	NOUN
fbem-29740	37	45	,	,	PUNCT
fbem-29740	37	46	and	and	CCONJ
fbem-29740	37	47	whether	whether	SCONJ
fbem-29740	37	48	different	different	ADJ
fbem-29740	37	49	sizes	size	NOUN
fbem-29740	37	50	of	of	ADP
fbem-29740	37	51	banks	bank	NOUN
fbem-29740	37	52	will	will	AUX
fbem-29740	37	53	have	have	VERB
fbem-29740	37	54	the	the	DET
fbem-29740	37	55	corresponding	corresponding	ADJ
fbem-29740	37	56	degree	degree	NOUN
fbem-29740	37	57	of	of	ADP
fbem-29740	37	58	moral	moral	ADJ
fbem-29740	37	59	hazard	hazard	NOUN
fbem-29740	37	60	problem	problem	NOUN
fbem-29740	37	61	under	under	ADP
fbem-29740	37	62	the	the	DET
fbem-29740	37	63	same	same	ADJ
fbem-29740	37	64	system	system	NOUN
fbem-29740	37	65	reform	reform	NOUN
fbem-29740	37	66	.	.	PUNCT
fbem-29740	38	1	2	2	X
fbem-29740	38	2	.	.	X
fbem-29740	38	3	organization	organization	NOUN
fbem-29740	38	4	of	of	ADP
fbem-29740	38	5	the	the	DET
fbem-29740	38	6	text	text	NOUN
fbem-29740	38	7	2.1	2.1	NUM
fbem-29740	38	8	.	.	PUNCT
fbem-29740	39	1	role	role	NOUN
fbem-29740	39	2	of	of	ADP
fbem-29740	39	3	the	the	DET
fbem-29740	39	4	deposit	deposit	NOUN
fbem-29740	39	5	insurance	insurance	NOUN
fbem-29740	39	6	system	system	NOUN
fbem-29740	39	7	2.1.1	2.1.1	NOUN
fbem-29740	39	8	.	.	PUNCT
fbem-29740	40	1	reducing	reduce	VERB
fbem-29740	40	2	moral	moral	ADJ
fbem-29740	40	3	hazard	hazard	NOUN
fbem-29740	40	4	while	while	SCONJ
fbem-29740	40	5	a	a	DET
fbem-29740	40	6	well	well	ADV
fbem-29740	40	7	-	-	PUNCT
fbem-29740	40	8	developed	develop	VERB
fbem-29740	40	9	financial	financial	ADJ
fbem-29740	40	10	safety	safety	NOUN
fbem-29740	40	11	net	net	NOUN
fbem-29740	40	12	contributes	contribute	VERB
fbem-29740	40	13	to	to	ADP
fbem-29740	40	14	the	the	DET
fbem-29740	40	15	maintenance	maintenance	NOUN
fbem-29740	40	16	of	of	ADP
fbem-29740	40	17	stability	stability	NOUN
fbem-29740	40	18	in	in	ADP
fbem-29740	40	19	the	the	DET
fbem-29740	40	20	financial	financial	ADJ
fbem-29740	40	21	world	world	NOUN
fbem-29740	40	22	,	,	PUNCT
fbem-29740	40	23	an	an	DET
fbem-29740	40	24	incomplete	incomplete	ADJ
fbem-29740	40	25	one	one	NOUN
fbem-29740	40	26	can	can	AUX
fbem-29740	40	27	increase	increase	VERB
fbem-29740	40	28	risks	risk	NOUN
fbem-29740	40	29	,	,	PUNCT
fbem-29740	40	30	especially	especially	ADV
fbem-29740	40	31	moral	moral	ADJ
fbem-29740	40	32	hazard	hazard	NOUN
fbem-29740	40	33	.	.	PUNCT
fbem-29740	41	1	moral	moral	ADJ
fbem-29740	41	2	hazard	hazard	NOUN
fbem-29740	41	3	increases	increase	VERB
fbem-29740	41	4	the	the	DET
fbem-29740	41	5	incentive	incentive	NOUN
fbem-29740	41	6	for	for	SCONJ
fbem-29740	41	7	financial	financial	ADJ
fbem-29740	41	8	institutions	institution	NOUN
fbem-29740	41	9	or	or	CCONJ
fbem-29740	41	10	banks	bank	NOUN
fbem-29740	41	11	to	to	PART
fbem-29740	41	12	take	take	VERB
fbem-29740	41	13	on	on	ADP
fbem-29740	41	14	more	more	ADJ
fbem-29740	41	15	risk	risk	NOUN
fbem-29740	41	16	,	,	PUNCT
fbem-29740	41	17	because	because	SCONJ
fbem-29740	41	18	the	the	DET
fbem-29740	41	19	risk	risk	NOUN
fbem-29740	41	20	taken	take	VERB
fbem-29740	41	21	is	be	AUX
fbem-29740	41	22	highly	highly	ADV
fbem-29740	41	23	rewarded	reward	VERB
fbem-29740	41	24	and	and	CCONJ
fbem-29740	41	25	the	the	DET
fbem-29740	41	26	cost	cost	NOUN
fbem-29740	41	27	of	of	ADP
fbem-29740	41	28	taking	take	VERB
fbem-29740	41	29	the	the	DET
fbem-29740	41	30	risk	risk	NOUN
fbem-29740	41	31	is	be	AUX
fbem-29740	41	32	borne	bear	VERB
fbem-29740	41	33	in	in	ADP
fbem-29740	41	34	whole	whole	ADJ
fbem-29740	41	35	or	or	CCONJ
fbem-29740	41	36	in	in	ADP
fbem-29740	41	37	part	part	NOUN
fbem-29740	41	38	by	by	ADP
fbem-29740	41	39	others	other	NOUN
fbem-29740	41	40	.	.	PUNCT
fbem-29740	42	1	deposit	deposit	NOUN
fbem-29740	42	2	insurance	insurance	NOUN
fbem-29740	42	3	systems	system	NOUN
fbem-29740	42	4	can	can	AUX
fbem-29740	42	5	protect	protect	VERB
fbem-29740	42	6	depositors	depositor	NOUN
fbem-29740	42	7	from	from	ADP
fbem-29740	42	8	losses	loss	NOUN
fbem-29740	42	9	and	and	CCONJ
fbem-29740	42	10	the	the	DET
fbem-29740	42	11	consequences	consequence	NOUN
fbem-29740	42	12	of	of	ADP
fbem-29740	42	13	unsafe	unsafe	ADJ
fbem-29740	42	14	and	and	CCONJ
fbem-29740	42	15	unsound	unsound	ADJ
fbem-29740	42	16	bank	bank	NOUN
fbem-29740	42	17	operations	operation	NOUN
fbem-29740	42	18	,	,	PUNCT
fbem-29740	42	19	but	but	CCONJ
fbem-29740	42	20	at	at	ADP
fbem-29740	42	21	the	the	DET
fbem-29740	42	22	same	same	ADJ
fbem-29740	42	23	time	time	NOUN
fbem-29740	42	24	they	they	PRON
fbem-29740	42	25	can	can	AUX
fbem-29740	42	26	contribute	contribute	VERB
fbem-29740	42	27	to	to	ADP
fbem-29740	42	28	speculative	speculative	ADJ
fbem-29740	42	29	behavior	behavior	NOUN
fbem-29740	42	30	by	by	ADP
fbem-29740	42	31	banks	bank	NOUN
fbem-29740	42	32	taking	take	VERB
fbem-29740	42	33	high	high	ADJ
fbem-29740	42	34	risks	risk	NOUN
fbem-29740	42	35	.	.	PUNCT
fbem-29740	43	1	2.2	2.2	NUM
fbem-29740	43	2	.	.	PUNCT
fbem-29740	43	3	development	development	NOUN
fbem-29740	43	4	status	status	NOUN
fbem-29740	43	5	of	of	ADP
fbem-29740	43	6	the	the	DET
fbem-29740	43	7	deposit	deposit	NOUN
fbem-29740	43	8	insurance	insurance	NOUN
fbem-29740	43	9	system	system	NOUN
fbem-29740	43	10	2.2.1	2.2.1	NUM
fbem-29740	43	11	.	.	PUNCT
fbem-29740	44	1	development	development	NOUN
fbem-29740	44	2	of	of	ADP
fbem-29740	44	3	deposit	deposit	NOUN
fbem-29740	44	4	insurance	insurance	NOUN
fbem-29740	44	5	systems	system	NOUN
fbem-29740	44	6	in	in	ADP
fbem-29740	44	7	foreign	foreign	ADJ
fbem-29740	44	8	countries	country	NOUN
fbem-29740	44	9	at	at	ADP
fbem-29740	44	10	the	the	DET
fbem-29740	44	11	end	end	NOUN
fbem-29740	44	12	of	of	ADP
fbem-29740	44	13	the	the	DET
fbem-29740	44	14	19th	19th	ADJ
fbem-29740	44	15	century	century	NOUN
fbem-29740	44	16	,	,	PUNCT
fbem-29740	44	17	the	the	DET
fbem-29740	44	18	united	united	PROPN
fbem-29740	44	19	states	states	PROPN
fbem-29740	44	20	banks	bank	NOUN
fbem-29740	44	21	went	go	VERB
fbem-29740	44	22	bankrupt	bankrupt	ADJ
fbem-29740	44	23	one	one	NUM
fbem-29740	44	24	after	after	ADP
fbem-29740	44	25	another	another	PRON
fbem-29740	44	26	,	,	PUNCT
fbem-29740	44	27	in	in	ADP
fbem-29740	44	28	order	order	NOUN
fbem-29740	44	29	to	to	PART
fbem-29740	44	30	solve	solve	VERB
fbem-29740	44	31	the	the	DET
fbem-29740	44	32	bankruptcy	bankruptcy	NOUN
fbem-29740	44	33	problem	problem	NOUN
fbem-29740	44	34	as	as	ADV
fbem-29740	44	35	well	well	ADV
fbem-29740	44	36	as	as	ADP
fbem-29740	44	37	to	to	PART
fbem-29740	44	38	protect	protect	VERB
fbem-29740	44	39	the	the	DET
fbem-29740	44	40	safety	safety	NOUN
fbem-29740	44	41	of	of	ADP
fbem-29740	44	42	depositors	depositor	NOUN
fbem-29740	44	43	'	'	PART
fbem-29740	44	44	funds	fund	NOUN
fbem-29740	44	45	,	,	PUNCT
fbem-29740	44	46	the	the	DET
fbem-29740	44	47	united	united	PROPN
fbem-29740	44	48	states	states	PROPN
fbem-29740	44	49	banking	banking	NOUN
fbem-29740	44	50	industry	industry	NOUN
fbem-29740	44	51	began	begin	VERB
fbem-29740	44	52	to	to	PART
fbem-29740	44	53	consider	consider	VERB
fbem-29740	44	54	bank	bank	NOUN
fbem-29740	44	55	notes	note	NOUN
fbem-29740	44	56	as	as	ADP
fbem-29740	44	57	a	a	DET
fbem-29740	44	58	supplement	supplement	NOUN
fbem-29740	44	59	to	to	ADP
fbem-29740	44	60	the	the	DET
fbem-29740	44	61	bank	bank	NOUN
fbem-29740	44	62	's	's	PART
fbem-29740	44	63	loan	loan	NOUN
fbem-29740	44	64	issuance	issuance	NOUN
fbem-29740	44	65	,	,	PUNCT
fbem-29740	44	66	and	and	CCONJ
fbem-29740	44	67	with	with	ADP
fbem-29740	44	68	the	the	DET
fbem-29740	44	69	development	development	NOUN
fbem-29740	44	70	of	of	ADP
fbem-29740	44	71	the	the	DET
fbem-29740	44	72	economy	economy	NOUN
fbem-29740	44	73	,	,	PUNCT
fbem-29740	44	74	the	the	DET
fbem-29740	44	75	deposit	deposit	NOUN
fbem-29740	44	76	business	business	NOUN
fbem-29740	44	77	is	be	AUX
fbem-29740	44	78	developing	develop	VERB
fbem-29740	44	79	rapidly	rapidly	ADV
fbem-29740	44	80	and	and	CCONJ
fbem-29740	44	81	occupies	occupy	VERB
fbem-29740	44	82	a	a	DET
fbem-29740	44	83	considerable	considerable	ADJ
fbem-29740	44	84	portion	portion	NOUN
fbem-29740	44	85	of	of	ADP
fbem-29740	44	86	the	the	DET
fbem-29740	44	87	bank	bank	NOUN
fbem-29740	44	88	's	's	PART
fbem-29740	44	89	business	business	NOUN
fbem-29740	44	90	,	,	PUNCT
fbem-29740	44	91	the	the	DET
fbem-29740	44	92	protection	protection	NOUN
fbem-29740	44	93	of	of	ADP
fbem-29740	44	94	the	the	DET
fbem-29740	44	95	deposit	deposit	NOUN
fbem-29740	44	96	safety	safety	NOUN
fbem-29740	44	97	has	have	AUX
fbem-29740	44	98	become	become	VERB
fbem-29740	44	99	even	even	ADV
fbem-29740	44	100	more	more	ADV
fbem-29740	44	101	important	important	ADJ
fbem-29740	44	102	.	.	PUNCT
fbem-29740	45	1	therefore	therefore	ADV
fbem-29740	45	2	,	,	PUNCT
fbem-29740	45	3	the	the	DET
fbem-29740	45	4	u.s	u.s	PROPN
fbem-29740	45	5	.	.	PROPN
fbem-29740	45	6	congressman	congressman	PROPN
fbem-29740	45	7	proposed	propose	VERB
fbem-29740	45	8	to	to	PART
fbem-29740	45	9	establish	establish	VERB
fbem-29740	45	10	a	a	DET
fbem-29740	45	11	deposit	deposit	NOUN
fbem-29740	45	12	insurance	insurance	NOUN
fbem-29740	45	13	system	system	NOUN
fbem-29740	45	14	to	to	PART
fbem-29740	45	15	deal	deal	VERB
fbem-29740	45	16	with	with	ADP
fbem-29740	45	17	the	the	DET
fbem-29740	45	18	deposit	deposit	NOUN
fbem-29740	45	19	crisis	crisis	NOUN
fbem-29740	45	20	,	,	PUNCT
fbem-29740	45	21	in	in	ADP
fbem-29740	45	22	1934	1934	NUM
fbem-29740	45	23	,	,	PUNCT
fbem-29740	45	24	the	the	DET
fbem-29740	45	25	u.s	u.s	PROPN
fbem-29740	45	26	.	.	PROPN
fbem-29740	45	27	deposit	deposit	NOUN
fbem-29740	45	28	insurance	insurance	NOUN
fbem-29740	45	29	system	system	NOUN
fbem-29740	45	30	was	be	AUX
fbem-29740	45	31	formally	formally	ADV
fbem-29740	45	32	introduced	introduce	VERB
fbem-29740	45	33	,	,	PUNCT
fbem-29740	45	34	and	and	CCONJ
fbem-29740	45	35	at	at	ADP
fbem-29740	45	36	the	the	DET
fbem-29740	45	37	same	same	ADJ
fbem-29740	45	38	time	time	NOUN
fbem-29740	45	39	,	,	PUNCT
fbem-29740	45	40	the	the	DET
fbem-29740	45	41	federal	federal	ADJ
fbem-29740	45	42	deposit	deposit	NOUN
fbem-29740	45	43	insurance	insurance	NOUN
fbem-29740	45	44	corporation	corporation	NOUN
fbem-29740	45	45	(	(	PUNCT
fbem-29740	45	46	fdic	fdic	PROPN
fbem-29740	45	47	)	)	PUNCT
fbem-29740	45	48	was	be	AUX
fbem-29740	45	49	set	set	VERB
fbem-29740	45	50	up	up	ADP
fbem-29740	45	51	for	for	ADP
fbem-29740	45	52	the	the	DET
fbem-29740	45	53	collection	collection	NOUN
fbem-29740	45	54	of	of	ADP
fbem-29740	45	55	premiums	premium	NOUN
fbem-29740	45	56	from	from	ADP
fbem-29740	45	57	financial	financial	ADJ
fbem-29740	45	58	institutions	institution	NOUN
fbem-29740	45	59	such	such	ADJ
fbem-29740	45	60	as	as	ADP
fbem-29740	45	61	banks	bank	NOUN
fbem-29740	45	62	,	,	PUNCT
fbem-29740	45	63	so	so	SCONJ
fbem-29740	45	64	that	that	SCONJ
fbem-29740	45	65	claims	claim	NOUN
fbem-29740	45	66	can	can	AUX
fbem-29740	45	67	be	be	AUX
fbem-29740	45	68	made	make	VERB
fbem-29740	45	69	in	in	ADP
fbem-29740	45	70	the	the	DET
fbem-29740	45	71	case	case	NOUN
fbem-29740	45	72	of	of	ADP
fbem-29740	45	73	bankruptcy	bankruptcy	NOUN
fbem-29740	45	74	,	,	PUNCT
fbem-29740	45	75	to	to	PART
fbem-29740	45	76	help	help	VERB
fbem-29740	45	77	them	they	PRON
fbem-29740	45	78	get	get	VERB
fbem-29740	45	79	out	out	ADP
fbem-29740	45	80	of	of	ADP
fbem-29740	45	81	the	the	DET
fbem-29740	45	82	predicament	predicament	NOUN
fbem-29740	45	83	of	of	ADP
fbem-29740	45	84	closure	closure	NOUN
fbem-29740	45	85	.	.	PUNCT
fbem-29740	46	1	after	after	ADP
fbem-29740	46	2	the	the	DET
fbem-29740	46	3	establishment	establishment	NOUN
fbem-29740	46	4	of	of	ADP
fbem-29740	46	5	the	the	DET
fbem-29740	46	6	fdic	fdic	PROPN
fbem-29740	46	7	,	,	PUNCT
fbem-29740	46	8	the	the	DET
fbem-29740	46	9	u.s	u.s	PROPN
fbem-29740	46	10	.	.	PROPN
fbem-29740	46	11	congress	congress	PROPN
fbem-29740	46	12	further	far	ADV
fbem-29740	46	13	stipulated	stipulate	VERB
fbem-29740	46	14	the	the	DET
fbem-29740	46	15	specific	specific	ADJ
fbem-29740	46	16	functions	function	NOUN
fbem-29740	46	17	of	of	ADP
fbem-29740	46	18	the	the	DET
fbem-29740	46	19	fdic	fdic	PROPN
fbem-29740	46	20	,	,	PUNCT
fbem-29740	46	21	including	include	VERB
fbem-29740	46	22	its	its	PRON
fbem-29740	46	23	organizational	organizational	ADJ
fbem-29740	46	24	structure	structure	NOUN
fbem-29740	46	25	,	,	PUNCT
fbem-29740	46	26	mode	mode	NOUN
fbem-29740	46	27	of	of	ADP
fbem-29740	46	28	operation	operation	NOUN
fbem-29740	46	29	,	,	PUNCT
fbem-29740	46	30	and	and	CCONJ
fbem-29740	46	31	details	detail	NOUN
fbem-29740	46	32	of	of	ADP
fbem-29740	46	33	the	the	DET
fbem-29740	46	34	provision	provision	NOUN
fbem-29740	46	35	of	of	ADP
fbem-29740	46	36	protection	protection	NOUN
fbem-29740	46	37	,	,	PUNCT
fbem-29740	46	38	etc	etc	X
fbem-29740	46	39	.	.	X
fbem-29740	46	40	,	,	PUNCT
fbem-29740	46	41	initially	initially	ADV
fbem-29740	46	42	establishing	establish	VERB
fbem-29740	46	43	the	the	DET
fbem-29740	46	44	deposit	deposit	NOUN
fbem-29740	46	45	insurance	insurance	NOUN
fbem-29740	46	46	system	system	NOUN
fbem-29740	46	47	,	,	PUNCT
fbem-29740	46	48	and	and	CCONJ
fbem-29740	46	49	the	the	DET
fbem-29740	46	50	operation	operation	NOUN
fbem-29740	46	51	of	of	ADP
fbem-29740	46	52	the	the	DET
fbem-29740	46	53	deposit	deposit	NOUN
fbem-29740	46	54	insurance	insurance	NOUN
fbem-29740	46	55	system	system	NOUN
fbem-29740	46	56	has	have	AUX
fbem-29740	46	57	also	also	ADV
fbem-29740	46	58	successfully	successfully	ADV
fbem-29740	46	59	enabled	enable	VERB
fbem-29740	46	60	the	the	DET
fbem-29740	46	61	public	public	NOUN
fbem-29740	46	62	to	to	PART
fbem-29740	46	63	have	have	VERB
fbem-29740	46	64	confidence	confidence	NOUN
fbem-29740	46	65	in	in	ADP
fbem-29740	46	66	the	the	DET
fbem-29740	46	67	safety	safety	NOUN
fbem-29740	46	68	of	of	ADP
fbem-29740	46	69	their	their	PRON
fbem-29740	46	70	own	own	ADJ
fbem-29740	46	71	property	property	NOUN
fbem-29740	46	72	.	.	PUNCT
fbem-29740	47	1	other	other	ADJ
fbem-29740	47	2	countries	country	NOUN
fbem-29740	47	3	see	see	VERB
fbem-29740	47	4	this	this	DET
fbem-29740	47	5	protection	protection	NOUN
fbem-29740	47	6	mechanism	mechanism	NOUN
fbem-29740	47	7	can	can	AUX
fbem-29740	47	8	achieve	achieve	VERB
fbem-29740	47	9	certain	certain	ADJ
fbem-29740	47	10	results	result	NOUN
fbem-29740	47	11	,	,	PUNCT
fbem-29740	47	12	also	also	ADV
fbem-29740	47	13	have	have	AUX
fbem-29740	47	14	followed	follow	VERB
fbem-29740	47	15	the	the	DET
fbem-29740	47	16	united	united	PROPN
fbem-29740	47	17	states	states	PROPN
fbem-29740	47	18	,	,	PUNCT
fbem-29740	47	19	in	in	ADP
fbem-29740	47	20	their	their	PRON
fbem-29740	47	21	own	own	ADJ
fbem-29740	47	22	countries	country	NOUN
fbem-29740	47	23	also	also	ADV
fbem-29740	47	24	implement	implement	VERB
fbem-29740	47	25	deposit	deposit	NOUN
fbem-29740	47	26	insurance	insurance	NOUN
fbem-29740	47	27	system	system	NOUN
fbem-29740	47	28	,	,	PUNCT
fbem-29740	47	29	so	so	SCONJ
fbem-29740	47	30	as	as	SCONJ
fbem-29740	47	31	to	to	PART
fbem-29740	47	32	protect	protect	VERB
fbem-29740	47	33	the	the	DET
fbem-29740	47	34	domestic	domestic	ADJ
fbem-29740	47	35	deposit	deposit	NOUN
fbem-29740	47	36	security	security	NOUN
fbem-29740	47	37	.	.	PUNCT
fbem-29740	48	1	according	accord	VERB
fbem-29740	48	2	to	to	ADP
fbem-29740	48	3	relevant	relevant	ADJ
fbem-29740	48	4	information	information	NOUN
fbem-29740	48	5	,	,	PUNCT
fbem-29740	48	6	in	in	ADP
fbem-29740	48	7	1960	1960	NUM
fbem-29740	48	8	-	-	SYM
fbem-29740	48	9	1993	1993	NUM
fbem-29740	48	10	,	,	PUNCT
fbem-29740	48	11	there	there	PRON
fbem-29740	48	12	are	be	VERB
fbem-29740	48	13	nearly	nearly	ADV
fbem-29740	48	14	40	40	NUM
fbem-29740	48	15	countries	country	NOUN
fbem-29740	48	16	in	in	ADP
fbem-29740	48	17	the	the	DET
fbem-29740	48	18	world	world	NOUN
fbem-29740	48	19	according	accord	VERB
fbem-29740	48	20	to	to	ADP
fbem-29740	48	21	their	their	PRON
fbem-29740	48	22	own	own	ADJ
fbem-29740	48	23	economic	economic	ADJ
fbem-29740	48	24	situation	situation	NOUN
fbem-29740	48	25	to	to	PART
fbem-29740	48	26	formulate	formulate	VERB
fbem-29740	48	27	the	the	DET
fbem-29740	48	28	corresponding	corresponding	ADJ
fbem-29740	48	29	deposit	deposit	NOUN
fbem-29740	48	30	insurance	insurance	NOUN
fbem-29740	48	31	system	system	NOUN
fbem-29740	48	32	.	.	PUNCT
fbem-29740	49	1	in	in	ADP
fbem-29740	49	2	recent	recent	ADJ
fbem-29740	49	3	years	year	NOUN
fbem-29740	49	4	,	,	PUNCT
fbem-29740	49	5	each	each	DET
fbem-29740	49	6	country	country	NOUN
fbem-29740	49	7	mainly	mainly	ADV
fbem-29740	49	8	takes	take	VERB
fbem-29740	49	9	the	the	DET
fbem-29740	49	10	rules	rule	NOUN
fbem-29740	49	11	formulated	formulate	VERB
fbem-29740	49	12	by	by	ADP
fbem-29740	49	13	the	the	DET
fbem-29740	49	14	international	international	PROPN
fbem-29740	49	15	association	association	NOUN
fbem-29740	49	16	of	of	ADP
fbem-29740	49	17	deposit	deposit	NOUN
fbem-29740	49	18	insurance	insurance	NOUN
fbem-29740	49	19	agencies	agency	NOUN
fbem-29740	49	20	(	(	PUNCT
fbem-29740	49	21	iada	iada	NOUN
fbem-29740	49	22	)	)	PUNCT
fbem-29740	49	23	as	as	ADP
fbem-29740	49	24	the	the	DET
fbem-29740	49	25	benchmark	benchmark	NOUN
fbem-29740	49	26	,	,	PUNCT
fbem-29740	49	27	and	and	CCONJ
fbem-29740	49	28	applies	apply	VERB
fbem-29740	49	29	the	the	DET
fbem-29740	49	30	design	design	NOUN
fbem-29740	49	31	spirit	spirit	NOUN
fbem-29740	49	32	of	of	ADP
fbem-29740	49	33	its	its	PRON
fbem-29740	49	34	core	core	NOUN
fbem-29740	49	35	principles	principle	NOUN
fbem-29740	49	36	to	to	ADP
fbem-29740	49	37	the	the	DET
fbem-29740	49	38	specific	specific	ADJ
fbem-29740	49	39	situation	situation	NOUN
fbem-29740	49	40	,	,	PUNCT
fbem-29740	49	41	environment	environment	NOUN
fbem-29740	49	42	and	and	CCONJ
fbem-29740	49	43	structure	structure	NOUN
fbem-29740	49	44	of	of	ADP
fbem-29740	49	45	each	each	DET
fbem-29740	49	46	country	country	NOUN
fbem-29740	49	47	.	.	PUNCT
fbem-29740	50	1	according	accord	VERB
fbem-29740	50	2	to	to	ADP
fbem-29740	50	3	the	the	DET
fbem-29740	50	4	structure	structure	NOUN
fbem-29740	50	5	of	of	ADP
fbem-29740	50	6	the	the	DET
fbem-29740	50	7	deposit	deposit	NOUN
fbem-29740	50	8	insurance	insurance	NOUN
fbem-29740	50	9	system	system	NOUN
fbem-29740	50	10	provided	provide	VERB
fbem-29740	50	11	by	by	ADP
fbem-29740	50	12	the	the	DET
fbem-29740	50	13	iada	iada	NOUN
fbem-29740	50	14	,	,	PUNCT
fbem-29740	50	15	each	each	DET
fbem-29740	50	16	country	country	NOUN
fbem-29740	50	17	takes	take	VERB
fbem-29740	50	18	it	it	PRON
fbem-29740	50	19	as	as	ADP
fbem-29740	50	20	a	a	DET
fbem-29740	50	21	reference	reference	NOUN
fbem-29740	50	22	and	and	CCONJ
fbem-29740	50	23	applies	apply	VERB
fbem-29740	50	24	it	it	PRON
fbem-29740	50	25	flexibly	flexibly	ADV
fbem-29740	50	26	to	to	ADP
fbem-29740	50	27	the	the	DET
fbem-29740	50	28	actual	actual	ADJ
fbem-29740	50	29	situation	situation	NOUN
fbem-29740	50	30	.	.	PUNCT
fbem-29740	51	1	2.2.2	2.2.2	X
fbem-29740	51	2	.	.	PUNCT
fbem-29740	51	3	development	development	NOUN
fbem-29740	51	4	of	of	ADP
fbem-29740	51	5	the	the	DET
fbem-29740	51	6	deposit	deposit	NOUN
fbem-29740	51	7	insurance	insurance	NOUN
fbem-29740	51	8	system	system	NOUN
fbem-29740	51	9	in	in	ADP
fbem-29740	51	10	china	china	PROPN
fbem-29740	51	11	china	china	PROPN
fbem-29740	51	12	formally	formally	ADV
fbem-29740	51	13	implemented	implement	VERB
fbem-29740	51	14	the	the	DET
fbem-29740	51	15	explicit	explicit	ADJ
fbem-29740	51	16	deposit	deposit	NOUN
fbem-29740	51	17	insurance	insurance	NOUN
fbem-29740	51	18	system	system	NOUN
fbem-29740	51	19	in	in	ADP
fbem-29740	51	20	2015	2015	NUM
fbem-29740	51	21	,	,	PUNCT
fbem-29740	51	22	which	which	PRON
fbem-29740	51	23	opened	open	VERB
fbem-29740	51	24	a	a	DET
fbem-29740	51	25	new	new	ADJ
fbem-29740	51	26	era	era	NOUN
fbem-29740	51	27	of	of	ADP
fbem-29740	51	28	china	china	PROPN
fbem-29740	51	29	's	's	PART
fbem-29740	51	30	deposit	deposit	NOUN
fbem-29740	51	31	insurance	insurance	NOUN
fbem-29740	51	32	system	system	NOUN
fbem-29740	51	33	and	and	CCONJ
fbem-29740	51	34	established	establish	VERB
fbem-29740	51	35	a	a	DET
fbem-29740	51	36	new	new	ADJ
fbem-29740	51	37	framework	framework	NOUN
fbem-29740	51	38	for	for	ADP
fbem-29740	51	39	the	the	DET
fbem-29740	51	40	system	system	NOUN
fbem-29740	51	41	,	,	PUNCT
fbem-29740	51	42	and	and	CCONJ
fbem-29740	51	43	in	in	ADP
fbem-29740	51	44	recent	recent	ADJ
fbem-29740	51	45	years	year	NOUN
fbem-29740	51	46	,	,	PUNCT
fbem-29740	51	47	more	more	ADJ
fbem-29740	51	48	and	and	CCONJ
fbem-29740	51	49	more	more	ADJ
fbem-29740	51	50	banks	bank	NOUN
fbem-29740	51	51	in	in	ADP
fbem-29740	51	52	china	china	PROPN
fbem-29740	51	53	have	have	AUX
fbem-29740	51	54	joined	join	VERB
fbem-29740	51	55	the	the	DET
fbem-29740	51	56	scope	scope	NOUN
fbem-29740	51	57	of	of	ADP
fbem-29740	51	58	the	the	DET
fbem-29740	51	59	deposit	deposit	NOUN
fbem-29740	51	60	insurance	insurance	NOUN
fbem-29740	51	61	system	system	NOUN
fbem-29740	51	62	,	,	PUNCT
fbem-29740	51	63	and	and	CCONJ
fbem-29740	51	64	the	the	DET
fbem-29740	51	65	banks	bank	NOUN
fbem-29740	51	66	are	be	AUX
fbem-29740	51	67	gradually	gradually	ADV
fbem-29740	51	68	publicizing	publicize	VERB
fbem-29740	51	69	the	the	DET
fbem-29740	51	70	deposit	deposit	NOUN
fbem-29740	51	71	insurance	insurance	NOUN
fbem-29740	51	72	system	system	NOUN
fbem-29740	51	73	to	to	ADP
fbem-29740	51	74	the	the	DET
fbem-29740	51	75	residents	resident	NOUN
fbem-29740	51	76	,	,	PUNCT
fbem-29740	51	77	and	and	CCONJ
fbem-29740	51	78	in	in	ADP
fbem-29740	51	79	the	the	DET
fbem-29740	51	80	several	several	ADJ
fbem-29740	51	81	years	year	NOUN
fbem-29740	51	82	of	of	ADP
fbem-29740	51	83	the	the	DET
fbem-29740	51	84	implementation	implementation	NOUN
fbem-29740	51	85	of	of	ADP
fbem-29740	51	86	the	the	DET
fbem-29740	51	87	explicit	explicit	ADJ
fbem-29740	51	88	deposit	deposit	NOUN
fbem-29740	51	89	insurance	insurance	NOUN
fbem-29740	51	90	system	system	NOUN
fbem-29740	51	91	,	,	PUNCT
fbem-29740	51	92	the	the	DET
fbem-29740	51	93	domestic	domestic	ADJ
fbem-29740	51	94	economy	economy	NOUN
fbem-29740	51	95	has	have	AUX
fbem-29740	51	96	been	be	AUX
fbem-29740	51	97	developing	develop	VERB
fbem-29740	51	98	steadily	steadily	ADV
fbem-29740	51	99	at	at	ADP
fbem-29740	51	100	the	the	DET
fbem-29740	51	101	macro	macro	ADJ
fbem-29740	51	102	level	level	NOUN
fbem-29740	51	103	,	,	PUNCT
fbem-29740	51	104	and	and	CCONJ
fbem-29740	51	105	micro	micro	NOUN
fbem-29740	51	106	-	-	NOUN
fbem-29740	51	107	enterprises	enterprise	NOUN
fbem-29740	51	108	and	and	CCONJ
fbem-29740	51	109	banks	bank	NOUN
fbem-29740	51	110	have	have	AUX
fbem-29740	51	111	been	be	AUX
fbem-29740	51	112	functioning	function	VERB
fbem-29740	51	113	normally	normally	ADV
fbem-29740	51	114	at	at	ADP
fbem-29740	51	115	the	the	DET
fbem-29740	51	116	micro	micro	ADJ
fbem-29740	51	117	level	level	NOUN
fbem-29740	51	118	.	.	PUNCT
fbem-29740	52	1	at	at	ADP
fbem-29740	52	2	the	the	DET
fbem-29740	52	3	macro	macro	ADJ
fbem-29740	52	4	level	level	NOUN
fbem-29740	52	5	,	,	PUNCT
fbem-29740	52	6	the	the	DET
fbem-29740	52	7	domestic	domestic	ADJ
fbem-29740	52	8	economy	economy	NOUN
fbem-29740	52	9	has	have	AUX
fbem-29740	52	10	been	be	AUX
fbem-29740	52	11	developing	develop	VERB
fbem-29740	52	12	steadily	steadily	ADV
fbem-29740	52	13	,	,	PUNCT
fbem-29740	52	14	and	and	CCONJ
fbem-29740	52	15	at	at	ADP
fbem-29740	52	16	the	the	DET
fbem-29740	52	17	micro	micro	ADJ
fbem-29740	52	18	level	level	NOUN
fbem-29740	52	19	,	,	PUNCT
fbem-29740	52	20	small	small	ADJ
fbem-29740	52	21	and	and	CCONJ
fbem-29740	52	22	micro	micro	ADJ
fbem-29740	52	23	enterprises	enterprise	NOUN
fbem-29740	52	24	and	and	CCONJ
fbem-29740	52	25	banks	bank	NOUN
fbem-29740	52	26	have	have	AUX
fbem-29740	52	27	been	be	AUX
fbem-29740	52	28	operating	operate	VERB
fbem-29740	52	29	normally	normally	ADV
fbem-29740	52	30	.	.	PUNCT
fbem-29740	53	1	at	at	ADP
fbem-29740	53	2	present	present	ADJ
fbem-29740	53	3	,	,	PUNCT
fbem-29740	53	4	china	china	PROPN
fbem-29740	53	5	's	's	PART
fbem-29740	53	6	deposit	deposit	NOUN
fbem-29740	53	7	insurance	insurance	NOUN
fbem-29740	53	8	system	system	NOUN
fbem-29740	53	9	mainly	mainly	ADV
fbem-29740	53	10	involves	involve	VERB
fbem-29740	53	11	the	the	DET
fbem-29740	53	12	following	follow	VERB
fbem-29740	53	13	points	point	NOUN
fbem-29740	53	14	.	.	PUNCT
fbem-29740	54	1	(	(	PUNCT
fbem-29740	54	2	1	1	X
fbem-29740	54	3	)	)	PUNCT
fbem-29740	54	4	china	china	PROPN
fbem-29740	54	5	has	have	AUX
fbem-29740	54	6	adopted	adopt	VERB
fbem-29740	54	7	the	the	DET
fbem-29740	54	8	mandatory	mandatory	ADJ
fbem-29740	54	9	payment	payment	NOUN
fbem-29740	54	10	of	of	ADP
fbem-29740	54	11	deposit	deposit	NOUN
fbem-29740	54	12	insurance	insurance	NOUN
fbem-29740	54	13	premiums	premium	NOUN
fbem-29740	54	14	,	,	PUNCT
fbem-29740	54	15	deposit	deposit	NOUN
fbem-29740	54	16	insurance	insurance	NOUN
fbem-29740	54	17	for	for	ADP
fbem-29740	54	18	the	the	DET
fbem-29740	54	19	bank	bank	NOUN
fbem-29740	54	20	is	be	AUX
fbem-29740	54	21	a	a	DET
fbem-29740	54	22	kind	kind	NOUN
fbem-29740	54	23	241	241	NUM
fbem-29740	54	24	of	of	ADP
fbem-29740	54	25	bottom	bottom	ADJ
fbem-29740	54	26	protection	protection	NOUN
fbem-29740	54	27	,	,	PUNCT
fbem-29740	54	28	so	so	ADV
fbem-29740	54	29	most	most	ADJ
fbem-29740	54	30	of	of	ADP
fbem-29740	54	31	the	the	DET
fbem-29740	54	32	banks	bank	NOUN
fbem-29740	54	33	will	will	AUX
fbem-29740	54	34	choose	choose	VERB
fbem-29740	54	35	to	to	PART
fbem-29740	54	36	pay	pay	VERB
fbem-29740	54	37	the	the	DET
fbem-29740	54	38	premiums	premium	NOUN
fbem-29740	54	39	,	,	PUNCT
fbem-29740	54	40	at	at	ADP
fbem-29740	54	41	the	the	DET
fbem-29740	54	42	same	same	ADJ
fbem-29740	54	43	time	time	NOUN
fbem-29740	54	44	,	,	PUNCT
fbem-29740	54	45	the	the	DET
fbem-29740	54	46	bank	bank	NOUN
fbem-29740	54	47	can	can	AUX
fbem-29740	54	48	also	also	ADV
fbem-29740	54	49	publicize	publicize	VERB
fbem-29740	54	50	with	with	ADP
fbem-29740	54	51	the	the	DET
fbem-29740	54	52	customers	customer	NOUN
fbem-29740	54	53	that	that	PRON
fbem-29740	54	54	the	the	DET
fbem-29740	54	55	bank	bank	NOUN
fbem-29740	54	56	has	have	AUX
fbem-29740	54	57	joined	join	VERB
fbem-29740	54	58	the	the	DET
fbem-29740	54	59	deposit	deposit	NOUN
fbem-29740	54	60	insurance	insurance	NOUN
fbem-29740	54	61	to	to	PART
fbem-29740	54	62	increase	increase	VERB
fbem-29740	54	63	the	the	DET
fbem-29740	54	64	general	general	ADJ
fbem-29740	54	65	public	public	NOUN
fbem-29740	54	66	to	to	ADP
fbem-29740	54	67	the	the	DET
fbem-29740	54	68	bank	bank	NOUN
fbem-29740	54	69	for	for	ADP
fbem-29740	54	70	deposits	deposit	NOUN
fbem-29740	54	71	,	,	PUNCT
fbem-29740	54	72	and	and	CCONJ
fbem-29740	54	73	other	other	ADJ
fbem-29740	54	74	business	business	NOUN
fbem-29740	54	75	behavior	behavior	NOUN
fbem-29740	54	76	.	.	PUNCT
fbem-29740	55	1	china	china	PROPN
fbem-29740	55	2	's	's	PART
fbem-29740	55	3	depository	depository	NOUN
fbem-29740	55	4	institutions	institution	NOUN
fbem-29740	55	5	are	be	AUX
fbem-29740	55	6	mainly	mainly	ADV
fbem-29740	55	7	the	the	DET
fbem-29740	55	8	four	four	NUM
fbem-29740	55	9	major	major	ADJ
fbem-29740	55	10	banks	bank	NOUN
fbem-29740	55	11	,	,	PUNCT
fbem-29740	55	12	and	and	CCONJ
fbem-29740	55	13	by	by	ADP
fbem-29740	55	14	the	the	DET
fbem-29740	55	15	national	national	ADJ
fbem-29740	55	16	credibility	credibility	NOUN
fbem-29740	55	17	for	for	ADP
fbem-29740	55	18	the	the	DET
fbem-29740	55	19	four	four	NUM
fbem-29740	55	20	major	major	ADJ
fbem-29740	55	21	banks	bank	NOUN
fbem-29740	55	22	to	to	PART
fbem-29740	55	23	do	do	VERB
fbem-29740	55	24	the	the	DET
fbem-29740	55	25	guarantee	guarantee	NOUN
fbem-29740	55	26	,	,	PUNCT
fbem-29740	55	27	so	so	ADV
fbem-29740	55	28	from	from	ADP
fbem-29740	55	29	the	the	DET
fbem-29740	55	30	bank	bank	NOUN
fbem-29740	55	31	's	's	PART
fbem-29740	55	32	point	point	NOUN
fbem-29740	55	33	of	of	ADP
fbem-29740	55	34	view	view	NOUN
fbem-29740	55	35	in	in	ADP
fbem-29740	55	36	order	order	NOUN
fbem-29740	55	37	to	to	PART
fbem-29740	55	38	reduce	reduce	VERB
fbem-29740	55	39	costs	cost	NOUN
fbem-29740	55	40	and	and	CCONJ
fbem-29740	55	41	increase	increase	VERB
fbem-29740	55	42	bank	bank	NOUN
fbem-29740	55	43	profits	profit	NOUN
fbem-29740	55	44	,	,	PUNCT
fbem-29740	55	45	often	often	ADV
fbem-29740	55	46	do	do	AUX
fbem-29740	55	47	not	not	PART
fbem-29740	55	48	want	want	VERB
fbem-29740	55	49	to	to	PART
fbem-29740	55	50	join	join	VERB
fbem-29740	55	51	the	the	DET
fbem-29740	55	52	deposit	deposit	NOUN
fbem-29740	55	53	insurance	insurance	NOUN
fbem-29740	55	54	system	system	NOUN
fbem-29740	55	55	system	system	NOUN
fbem-29740	55	56	,	,	PUNCT
fbem-29740	55	57	so	so	ADV
fbem-29740	55	58	the	the	DET
fbem-29740	55	59	state	state	NOUN
fbem-29740	55	60	mandatory	mandatory	ADJ
fbem-29740	55	61	payment	payment	NOUN
fbem-29740	55	62	of	of	ADP
fbem-29740	55	63	deposit	deposit	NOUN
fbem-29740	55	64	insurance	insurance	NOUN
fbem-29740	55	65	premiums	premium	NOUN
fbem-29740	55	66	is	be	AUX
fbem-29740	55	67	a	a	DET
fbem-29740	55	68	certain	certain	ADJ
fbem-29740	55	69	reason	reason	NOUN
fbem-29740	55	70	,	,	PUNCT
fbem-29740	55	71	conducive	conducive	ADJ
fbem-29740	55	72	to	to	ADP
fbem-29740	55	73	the	the	DET
fbem-29740	55	74	establishment	establishment	NOUN
fbem-29740	55	75	of	of	ADP
fbem-29740	55	76	the	the	DET
fbem-29740	55	77	deposit	deposit	NOUN
fbem-29740	55	78	insurance	insurance	NOUN
fbem-29740	55	79	system	system	NOUN
fbem-29740	55	80	and	and	CCONJ
fbem-29740	55	81	the	the	DET
fbem-29740	55	82	accumulation	accumulation	NOUN
fbem-29740	55	83	of	of	ADP
fbem-29740	55	84	the	the	DET
fbem-29740	55	85	deposit	deposit	NOUN
fbem-29740	55	86	insurance	insurance	NOUN
fbem-29740	55	87	premiums	premium	NOUN
fbem-29740	55	88	.	.	PUNCT
fbem-29740	56	1	(	(	PUNCT
fbem-29740	56	2	2	2	X
fbem-29740	56	3	)	)	PUNCT
fbem-29740	56	4	the	the	DET
fbem-29740	56	5	state	state	NOUN
fbem-29740	56	6	provides	provide	VERB
fbem-29740	56	7	for	for	SCONJ
fbem-29740	56	8	the	the	DET
fbem-29740	56	9	deposit	deposit	NOUN
fbem-29740	56	10	insurance	insurance	NOUN
fbem-29740	56	11	system	system	NOUN
fbem-29740	56	12	to	to	PART
fbem-29740	56	13	implement	implement	VERB
fbem-29740	56	14	the	the	DET
fbem-29740	56	15	limit	limit	NOUN
fbem-29740	56	16	of	of	ADP
fbem-29740	56	17	compensation	compensation	NOUN
fbem-29740	56	18	,	,	PUNCT
fbem-29740	56	19	china	china	PROPN
fbem-29740	56	20	's	's	PART
fbem-29740	56	21	deposit	deposit	NOUN
fbem-29740	56	22	insurance	insurance	NOUN
fbem-29740	56	23	amount	amount	NOUN
fbem-29740	56	24	is	be	AUX
fbem-29740	56	25	500,000	500,000	NUM
fbem-29740	56	26	yuan	yuan	NOUN
fbem-29740	56	27	,	,	PUNCT
fbem-29740	56	28	the	the	DET
fbem-29740	56	29	reason	reason	NOUN
fbem-29740	56	30	for	for	ADP
fbem-29740	56	31	the	the	DET
fbem-29740	56	32	establishment	establishment	NOUN
fbem-29740	56	33	of	of	ADP
fbem-29740	56	34	a	a	DET
fbem-29740	56	35	compensation	compensation	NOUN
fbem-29740	56	36	limit	limit	NOUN
fbem-29740	56	37	,	,	PUNCT
fbem-29740	56	38	because	because	SCONJ
fbem-29740	56	39	it	it	PRON
fbem-29740	56	40	can	can	AUX
fbem-29740	56	41	inhibit	inhibit	VERB
fbem-29740	56	42	the	the	DET
fbem-29740	56	43	generation	generation	NOUN
fbem-29740	56	44	of	of	ADP
fbem-29740	56	45	moral	moral	ADJ
fbem-29740	56	46	hazard	hazard	NOUN
fbem-29740	56	47	problems	problem	NOUN
fbem-29740	56	48	in	in	ADP
fbem-29740	56	49	the	the	DET
fbem-29740	56	50	bank	bank	NOUN
fbem-29740	56	51	,	,	PUNCT
fbem-29740	56	52	but	but	CCONJ
fbem-29740	56	53	also	also	ADV
fbem-29740	56	54	as	as	ADV
fbem-29740	56	55	far	far	ADV
fbem-29740	56	56	as	as	ADP
fbem-29740	56	57	possible	possible	ADJ
fbem-29740	56	58	to	to	ADP
fbem-29740	56	59	the	the	DET
fbem-29740	56	60	specific	specific	NOUN
fbem-29740	56	61	to	to	ADP
fbem-29740	56	62	each	each	DET
fbem-29740	56	63	individual	individual	ADJ
fbem-29740	56	64	depositor	depositor	NOUN
fbem-29740	56	65	,	,	PUNCT
fbem-29740	56	66	so	so	SCONJ
fbem-29740	56	67	that	that	SCONJ
fbem-29740	56	68	the	the	DET
fbem-29740	56	69	vested	vested	ADJ
fbem-29740	56	70	interests	interest	NOUN
fbem-29740	56	71	of	of	ADP
fbem-29740	56	72	small	small	ADJ
fbem-29740	56	73	depositors	depositor	NOUN
fbem-29740	56	74	can	can	AUX
fbem-29740	56	75	be	be	AUX
fbem-29740	56	76	protected	protect	VERB
fbem-29740	56	77	.	.	PUNCT
fbem-29740	57	1	(	(	PUNCT
fbem-29740	57	2	3	3	X
fbem-29740	57	3	)	)	PUNCT
fbem-29740	57	4	in	in	ADP
fbem-29740	57	5	the	the	DET
fbem-29740	57	6	insurance	insurance	NOUN
fbem-29740	57	7	rate	rate	NOUN
fbem-29740	57	8	,	,	PUNCT
fbem-29740	57	9	china	china	PROPN
fbem-29740	57	10	adopts	adopt	VERB
fbem-29740	57	11	the	the	DET
fbem-29740	57	12	benchmark	benchmark	NOUN
fbem-29740	57	13	rate	rate	NOUN
fbem-29740	57	14	and	and	CCONJ
fbem-29740	57	15	risk	risk	NOUN
fbem-29740	57	16	differential	differential	NOUN
fbem-29740	57	17	rate	rate	NOUN
fbem-29740	57	18	combination	combination	NOUN
fbem-29740	57	19	of	of	ADP
fbem-29740	57	20	methods	method	NOUN
fbem-29740	57	21	,	,	PUNCT
fbem-29740	57	22	which	which	PRON
fbem-29740	57	23	the	the	DET
fbem-29740	57	24	benchmark	benchmark	NOUN
fbem-29740	57	25	rate	rate	NOUN
fbem-29740	57	26	is	be	AUX
fbem-29740	57	27	based	base	VERB
fbem-29740	57	28	on	on	ADP
fbem-29740	57	29	china	china	PROPN
fbem-29740	57	30	's	's	PART
fbem-29740	57	31	economic	economic	ADJ
fbem-29740	57	32	development	development	NOUN
fbem-29740	57	33	to	to	PART
fbem-29740	57	34	formulate	formulate	VERB
fbem-29740	57	35	,	,	PUNCT
fbem-29740	57	36	in	in	ADP
fbem-29740	57	37	addition	addition	NOUN
fbem-29740	57	38	to	to	ADP
fbem-29740	57	39	the	the	DET
fbem-29740	57	40	size	size	NOUN
fbem-29740	57	41	of	of	ADP
fbem-29740	57	42	different	different	ADJ
fbem-29740	57	43	banks	bank	NOUN
fbem-29740	57	44	and	and	CCONJ
fbem-29740	57	45	different	different	ADJ
fbem-29740	57	46	business	business	NOUN
fbem-29740	57	47	operations	operation	NOUN
fbem-29740	57	48	,	,	PUNCT
fbem-29740	57	49	so	so	ADV
fbem-29740	57	50	also	also	ADV
fbem-29740	57	51	have	have	VERB
fbem-29740	57	52	to	to	PART
fbem-29740	57	53	apply	apply	VERB
fbem-29740	57	54	the	the	DET
fbem-29740	57	55	risk	risk	NOUN
fbem-29740	57	56	differential	differential	NOUN
fbem-29740	57	57	rate	rate	NOUN
fbem-29740	57	58	of	of	ADP
fbem-29740	57	59	different	different	ADJ
fbem-29740	57	60	banks	bank	NOUN
fbem-29740	57	61	,	,	PUNCT
fbem-29740	57	62	so	so	SCONJ
fbem-29740	57	63	as	as	SCONJ
fbem-29740	57	64	to	to	PART
fbem-29740	57	65	ensure	ensure	VERB
fbem-29740	57	66	that	that	SCONJ
fbem-29740	57	67	the	the	DET
fbem-29740	57	68	fairness	fairness	NOUN
fbem-29740	57	69	of	of	ADP
fbem-29740	57	70	the	the	DET
fbem-29740	57	71	financial	financial	ADJ
fbem-29740	57	72	market	market	NOUN
fbem-29740	57	73	and	and	CCONJ
fbem-29740	57	74	objectivity	objectivity	NOUN
fbem-29740	57	75	.	.	PUNCT
fbem-29740	58	1	2.3	2.3	NUM
fbem-29740	58	2	.	.	PUNCT
fbem-29740	58	3	differences	difference	NOUN
fbem-29740	58	4	between	between	ADP
fbem-29740	58	5	the	the	DET
fbem-29740	58	6	deposit	deposit	NOUN
fbem-29740	58	7	insurance	insurance	NOUN
fbem-29740	58	8	systems	system	NOUN
fbem-29740	58	9	of	of	ADP
fbem-29740	58	10	china	china	PROPN
fbem-29740	58	11	and	and	CCONJ
fbem-29740	58	12	the	the	DET
fbem-29740	58	13	united	united	PROPN
fbem-29740	58	14	states	states	PROPN
fbem-29740	58	15	(	(	PUNCT
fbem-29740	58	16	1	1	NUM
fbem-29740	58	17	)	)	PUNCT
fbem-29740	58	18	independence	independence	NOUN
fbem-29740	58	19	of	of	ADP
fbem-29740	58	20	the	the	DET
fbem-29740	58	21	deposit	deposit	NOUN
fbem-29740	58	22	insurance	insurance	NOUN
fbem-29740	58	23	organization	organization	NOUN
fbem-29740	58	24	.	.	PUNCT
fbem-29740	59	1	although	although	SCONJ
fbem-29740	59	2	the	the	DET
fbem-29740	59	3	deposit	deposit	NOUN
fbem-29740	59	4	insurance	insurance	NOUN
fbem-29740	59	5	fund	fund	NOUN
fbem-29740	59	6	management	management	NOUN
fbem-29740	59	7	limited	limit	VERB
fbem-29740	59	8	liability	liability	NOUN
fbem-29740	59	9	company	company	NOUN
fbem-29740	59	10	established	establish	VERB
fbem-29740	59	11	in	in	ADP
fbem-29740	59	12	china	china	PROPN
fbem-29740	59	13	in	in	ADP
fbem-29740	59	14	2019	2019	NUM
fbem-29740	59	15	can	can	AUX
fbem-29740	59	16	participate	participate	VERB
fbem-29740	59	17	in	in	ADP
fbem-29740	59	18	financial	financial	ADJ
fbem-29740	59	19	supervision	supervision	NOUN
fbem-29740	59	20	and	and	CCONJ
fbem-29740	59	21	management	management	NOUN
fbem-29740	59	22	based	base	VERB
fbem-29740	59	23	on	on	ADP
fbem-29740	59	24	the	the	DET
fbem-29740	59	25	deposit	deposit	NOUN
fbem-29740	59	26	insurance	insurance	NOUN
fbem-29740	59	27	regulations	regulation	NOUN
fbem-29740	59	28	,	,	PUNCT
fbem-29740	59	29	the	the	DET
fbem-29740	59	30	relevant	relevant	ADJ
fbem-29740	59	31	regulations	regulation	NOUN
fbem-29740	59	32	do	do	AUX
fbem-29740	59	33	not	not	PART
fbem-29740	59	34	give	give	VERB
fbem-29740	59	35	it	it	PRON
fbem-29740	59	36	specific	specific	ADJ
fbem-29740	59	37	powers	power	NOUN
fbem-29740	59	38	,	,	PUNCT
fbem-29740	59	39	which	which	PRON
fbem-29740	59	40	results	result	VERB
fbem-29740	59	41	in	in	ADP
fbem-29740	59	42	the	the	DET
fbem-29740	59	43	deposit	deposit	NOUN
fbem-29740	59	44	insurance	insurance	NOUN
fbem-29740	59	45	fund	fund	NOUN
fbem-29740	59	46	management	management	NOUN
fbem-29740	59	47	company	company	NOUN
fbem-29740	59	48	not	not	PART
fbem-29740	59	49	being	be	AUX
fbem-29740	59	50	able	able	ADJ
fbem-29740	59	51	to	to	PART
fbem-29740	59	52	effectively	effectively	ADV
fbem-29740	59	53	participate	participate	VERB
fbem-29740	59	54	in	in	ADP
fbem-29740	59	55	the	the	DET
fbem-29740	59	56	relevant	relevant	ADJ
fbem-29740	59	57	supervisory	supervisory	ADJ
fbem-29740	59	58	behavior	behavior	NOUN
fbem-29740	59	59	and	and	CCONJ
fbem-29740	59	60	not	not	PART
fbem-29740	59	61	being	be	AUX
fbem-29740	59	62	able	able	ADJ
fbem-29740	59	63	to	to	PART
fbem-29740	59	64	play	play	VERB
fbem-29740	59	65	the	the	DET
fbem-29740	59	66	role	role	NOUN
fbem-29740	59	67	it	it	PRON
fbem-29740	59	68	should	should	AUX
fbem-29740	59	69	have	have	VERB
fbem-29740	59	70	.	.	PUNCT
fbem-29740	60	1	(	(	PUNCT
fbem-29740	60	2	2	2	X
fbem-29740	60	3	)	)	PUNCT
fbem-29740	60	4	the	the	DET
fbem-29740	60	5	source	source	NOUN
fbem-29740	60	6	of	of	ADP
fbem-29740	60	7	deposit	deposit	NOUN
fbem-29740	60	8	insurance	insurance	NOUN
fbem-29740	60	9	funds	fund	NOUN
fbem-29740	60	10	.	.	PUNCT
fbem-29740	61	1	in	in	ADP
fbem-29740	61	2	2015	2015	NUM
fbem-29740	61	3	,	,	PUNCT
fbem-29740	61	4	although	although	SCONJ
fbem-29740	61	5	china	china	PROPN
fbem-29740	61	6	implemented	implement	VERB
fbem-29740	61	7	the	the	DET
fbem-29740	61	8	explicit	explicit	ADJ
fbem-29740	61	9	deposit	deposit	NOUN
fbem-29740	61	10	insurance	insurance	NOUN
fbem-29740	61	11	system	system	NOUN
fbem-29740	61	12	,	,	PUNCT
fbem-29740	61	13	but	but	CCONJ
fbem-29740	61	14	until	until	ADP
fbem-29740	61	15	2019	2019	NUM
fbem-29740	61	16	,	,	PUNCT
fbem-29740	61	17	the	the	DET
fbem-29740	61	18	deposit	deposit	NOUN
fbem-29740	61	19	insurance	insurance	NOUN
fbem-29740	61	20	fund	fund	NOUN
fbem-29740	61	21	management	management	NOUN
fbem-29740	61	22	limited	limit	VERB
fbem-29740	61	23	liability	liability	NOUN
fbem-29740	61	24	company	company	NOUN
fbem-29740	61	25	was	be	AUX
fbem-29740	61	26	not	not	PART
fbem-29740	61	27	set	set	VERB
fbem-29740	61	28	up	up	ADP
fbem-29740	61	29	,	,	PUNCT
fbem-29740	61	30	at	at	ADP
fbem-29740	61	31	the	the	DET
fbem-29740	61	32	same	same	ADJ
fbem-29740	61	33	time	time	NOUN
fbem-29740	61	34	,	,	PUNCT
fbem-29740	61	35	there	there	PRON
fbem-29740	61	36	are	be	VERB
fbem-29740	61	37	ambiguous	ambiguous	ADJ
fbem-29740	61	38	rules	rule	NOUN
fbem-29740	61	39	about	about	ADP
fbem-29740	61	40	the	the	DET
fbem-29740	61	41	source	source	NOUN
fbem-29740	61	42	of	of	ADP
fbem-29740	61	43	deposit	deposit	NOUN
fbem-29740	61	44	insurance	insurance	NOUN
fbem-29740	61	45	funds	fund	NOUN
fbem-29740	61	46	,	,	PUNCT
fbem-29740	61	47	which	which	PRON
fbem-29740	61	48	makes	make	VERB
fbem-29740	61	49	it	it	PRON
fbem-29740	61	50	lack	lack	VERB
fbem-29740	61	51	a	a	DET
fbem-29740	61	52	certain	certain	ADJ
fbem-29740	61	53	degree	degree	NOUN
fbem-29740	61	54	of	of	ADP
fbem-29740	61	55	initiative	initiative	NOUN
fbem-29740	61	56	in	in	ADP
fbem-29740	61	57	the	the	DET
fbem-29740	61	58	implementation	implementation	NOUN
fbem-29740	61	59	of	of	ADP
fbem-29740	61	60	rights	right	NOUN
fbem-29740	61	61	.	.	PUNCT
fbem-29740	62	1	compared	compare	VERB
fbem-29740	62	2	with	with	ADP
fbem-29740	62	3	china	china	PROPN
fbem-29740	62	4	,	,	PUNCT
fbem-29740	62	5	the	the	DET
fbem-29740	62	6	u.s	u.s	PROPN
fbem-29740	62	7	.	.	PROPN
fbem-29740	62	8	has	have	VERB
fbem-29740	62	9	many	many	ADJ
fbem-29740	62	10	sources	source	NOUN
fbem-29740	62	11	of	of	ADP
fbem-29740	62	12	deposit	deposit	NOUN
fbem-29740	62	13	insurance	insurance	NOUN
fbem-29740	62	14	funds	fund	NOUN
fbem-29740	62	15	,	,	PUNCT
fbem-29740	62	16	including	include	VERB
fbem-29740	62	17	capital	capital	NOUN
fbem-29740	62	18	funds	fund	NOUN
fbem-29740	62	19	,	,	PUNCT
fbem-29740	62	20	annual	annual	ADJ
fbem-29740	62	21	premium	premium	NOUN
fbem-29740	62	22	payments	payment	NOUN
fbem-29740	62	23	by	by	ADP
fbem-29740	62	24	financial	financial	ADJ
fbem-29740	62	25	institutions	institution	NOUN
fbem-29740	62	26	,	,	PUNCT
fbem-29740	62	27	investment	investment	NOUN
fbem-29740	62	28	income	income	NOUN
fbem-29740	62	29	and	and	CCONJ
fbem-29740	62	30	interest	interest	NOUN
fbem-29740	62	31	income	income	NOUN
fbem-29740	62	32	of	of	ADP
fbem-29740	62	33	the	the	DET
fbem-29740	62	34	fund	fund	NOUN
fbem-29740	62	35	,	,	PUNCT
fbem-29740	62	36	bond	bond	NOUN
fbem-29740	62	37	financing	financing	NOUN
fbem-29740	62	38	and	and	CCONJ
fbem-29740	62	39	financial	financial	ADJ
fbem-29740	62	40	assistance	assistance	NOUN
fbem-29740	62	41	.	.	PUNCT
fbem-29740	63	1	and	and	CCONJ
fbem-29740	63	2	because	because	SCONJ
fbem-29740	63	3	it	it	PRON
fbem-29740	63	4	has	have	VERB
fbem-29740	63	5	a	a	DET
fbem-29740	63	6	long	long	ADJ
fbem-29740	63	7	-	-	PUNCT
fbem-29740	63	8	term	term	NOUN
fbem-29740	63	9	fund	fund	NOUN
fbem-29740	63	10	management	management	NOUN
fbem-29740	63	11	arrangement	arrangement	NOUN
fbem-29740	63	12	,	,	PUNCT
fbem-29740	63	13	it	it	PRON
fbem-29740	63	14	is	be	AUX
fbem-29740	63	15	conducive	conducive	ADJ
fbem-29740	63	16	to	to	ADP
fbem-29740	63	17	the	the	DET
fbem-29740	63	18	sustainable	sustainable	ADJ
fbem-29740	63	19	development	development	NOUN
fbem-29740	63	20	of	of	ADP
fbem-29740	63	21	deposit	deposit	NOUN
fbem-29740	63	22	insurance	insurance	NOUN
fbem-29740	63	23	funds	fund	NOUN
fbem-29740	63	24	.	.	PUNCT
fbem-29740	64	1	secondly	secondly	ADV
fbem-29740	64	2	the	the	DET
fbem-29740	64	3	advance	advance	NOUN
fbem-29740	64	4	premium	premium	NOUN
fbem-29740	64	5	collection	collection	NOUN
fbem-29740	64	6	mechanism	mechanism	NOUN
fbem-29740	64	7	also	also	ADV
fbem-29740	64	8	significantly	significantly	ADV
fbem-29740	64	9	improves	improve	VERB
fbem-29740	64	10	the	the	DET
fbem-29740	64	11	liquidity	liquidity	NOUN
fbem-29740	64	12	of	of	ADP
fbem-29740	64	13	the	the	DET
fbem-29740	64	14	insurance	insurance	NOUN
fbem-29740	64	15	fund	fund	NOUN
fbem-29740	64	16	.	.	PUNCT
fbem-29740	65	1	(	(	PUNCT
fbem-29740	65	2	3	3	X
fbem-29740	65	3	)	)	PUNCT
fbem-29740	65	4	reasonableness	reasonableness	NOUN
fbem-29740	65	5	of	of	ADP
fbem-29740	65	6	the	the	DET
fbem-29740	65	7	maximum	maximum	ADJ
fbem-29740	65	8	payout	payout	NOUN
fbem-29740	65	9	limit	limit	NOUN
fbem-29740	65	10	.	.	PUNCT
fbem-29740	66	1	the	the	DET
fbem-29740	66	2	maximum	maximum	ADJ
fbem-29740	66	3	payout	payout	NOUN
fbem-29740	66	4	limit	limit	NOUN
fbem-29740	66	5	currently	currently	ADV
fbem-29740	66	6	in	in	ADP
fbem-29740	66	7	force	force	NOUN
fbem-29740	66	8	in	in	ADP
fbem-29740	66	9	china	china	PROPN
fbem-29740	66	10	is	be	AUX
fbem-29740	66	11	rmb	rmb	NOUN
fbem-29740	66	12	500,000	500,000	NUM
fbem-29740	66	13	,	,	PUNCT
fbem-29740	66	14	which	which	PRON
fbem-29740	66	15	,	,	PUNCT
fbem-29740	66	16	according	accord	VERB
fbem-29740	66	17	to	to	ADP
fbem-29740	66	18	relevant	relevant	ADJ
fbem-29740	66	19	information	information	NOUN
fbem-29740	66	20	,	,	PUNCT
fbem-29740	66	21	can	can	AUX
fbem-29740	66	22	guarantee	guarantee	VERB
fbem-29740	66	23	the	the	DET
fbem-29740	66	24	safety	safety	NOUN
fbem-29740	66	25	of	of	ADP
fbem-29740	66	26	99.63	99.63	NUM
fbem-29740	66	27	%	%	NOUN
fbem-29740	66	28	of	of	ADP
fbem-29740	66	29	the	the	DET
fbem-29740	66	30	deposits	deposit	NOUN
fbem-29740	66	31	,	,	PUNCT
fbem-29740	66	32	roughly	roughly	ADV
fbem-29740	66	33	estimated	estimate	VERB
fbem-29740	66	34	to	to	PART
fbem-29740	66	35	be	be	AUX
fbem-29740	66	36	equivalent	equivalent	ADJ
fbem-29740	66	37	to	to	ADP
fbem-29740	66	38	8	8	NUM
fbem-29740	66	39	times	time	NOUN
fbem-29740	66	40	china	china	PROPN
fbem-29740	66	41	's	's	PART
fbem-29740	66	42	per	per	ADP
fbem-29740	66	43	capita	capita	X
fbem-29740	66	44	gdp	gdp	NOUN
fbem-29740	66	45	,	,	PUNCT
fbem-29740	66	46	which	which	PRON
fbem-29740	66	47	does	do	AUX
fbem-29740	66	48	not	not	PART
fbem-29740	66	49	correspond	correspond	VERB
fbem-29740	66	50	to	to	ADP
fbem-29740	66	51	the	the	DET
fbem-29740	66	52	international	international	ADJ
fbem-29740	66	53	monetary	monetary	ADJ
fbem-29740	66	54	fund	fund	NOUN
fbem-29740	66	55	's	's	PART
fbem-29740	66	56	(	(	PUNCT
fbem-29740	66	57	imf	imf	PROPN
fbem-29740	66	58	)	)	PUNCT
fbem-29740	66	59	recommendation	recommendation	NOUN
fbem-29740	66	60	of	of	ADP
fbem-29740	66	61	2	2	NUM
fbem-29740	66	62	to	to	PART
fbem-29740	66	63	5	5	NUM
fbem-29740	66	64	times	time	NOUN
fbem-29740	66	65	.	.	PUNCT
fbem-29740	67	1	according	accord	VERB
fbem-29740	67	2	to	to	ADP
fbem-29740	67	3	information	information	NOUN
fbem-29740	67	4	,	,	PUNCT
fbem-29740	67	5	the	the	DET
fbem-29740	67	6	united	united	PROPN
fbem-29740	67	7	states	states	PROPN
fbem-29740	67	8	of	of	ADP
fbem-29740	67	9	america	america	PROPN
fbem-29740	67	10	,	,	PUNCT
fbem-29740	67	11	the	the	DET
fbem-29740	67	12	maximum	maximum	ADJ
fbem-29740	67	13	payout	payout	NOUN
fbem-29740	67	14	limit	limit	NOUN
fbem-29740	67	15	from	from	ADP
fbem-29740	67	16	2,500	2,500	NUM
fbem-29740	67	17	u.s	u.s	PROPN
fbem-29740	67	18	.	.	PROPN
fbem-29740	67	19	dollars	dollar	NOUN
fbem-29740	67	20	in	in	ADP
fbem-29740	67	21	1934	1934	NUM
fbem-29740	67	22	rose	rise	VERB
fbem-29740	67	23	to	to	ADP
fbem-29740	67	24	250,000	250,000	NUM
fbem-29740	67	25	u.s	u.s	PROPN
fbem-29740	67	26	.	.	PROPN
fbem-29740	67	27	dollars	dollar	NOUN
fbem-29740	67	28	,	,	PUNCT
fbem-29740	67	29	the	the	DET
fbem-29740	67	30	current	current	ADJ
fbem-29740	67	31	u.s	u.s	PROPN
fbem-29740	67	32	.	.	PROPN
fbem-29740	67	33	payout	payout	PROPN
fbem-29740	67	34	limit	limit	NOUN
fbem-29740	67	35	has	have	AUX
fbem-29740	67	36	been	be	AUX
fbem-29740	67	37	able	able	ADJ
fbem-29740	67	38	to	to	PART
fbem-29740	67	39	cover	cover	VERB
fbem-29740	67	40	99.7	99.7	NUM
fbem-29740	67	41	%	%	NOUN
fbem-29740	67	42	of	of	ADP
fbem-29740	67	43	the	the	DET
fbem-29740	67	44	deposits	deposit	NOUN
fbem-29740	67	45	from	from	ADP
fbem-29740	67	46	the	the	DET
fbem-29740	67	47	deposit	deposit	NOUN
fbem-29740	67	48	coverage	coverage	NOUN
fbem-29740	67	49	of	of	ADP
fbem-29740	67	50	our	our	PRON
fbem-29740	67	51	country	country	NOUN
fbem-29740	67	52	and	and	CCONJ
fbem-29740	67	53	the	the	DET
fbem-29740	67	54	united	united	PROPN
fbem-29740	67	55	states	states	PROPN
fbem-29740	67	56	is	be	AUX
fbem-29740	67	57	comparable	comparable	ADJ
fbem-29740	67	58	to	to	ADP
fbem-29740	67	59	the	the	DET
fbem-29740	67	60	united	united	PROPN
fbem-29740	67	61	states	states	PROPN
fbem-29740	67	62	of	of	ADP
fbem-29740	67	63	america	america	PROPN
fbem-29740	67	64	,	,	PUNCT
fbem-29740	67	65	in	in	ADP
fbem-29740	67	66	terms	term	NOUN
fbem-29740	67	67	of	of	ADP
fbem-29740	67	68	the	the	DET
fbem-29740	67	69	limit	limit	NOUN
fbem-29740	67	70	of	of	ADP
fbem-29740	67	71	the	the	DET
fbem-29740	67	72	trend	trend	NOUN
fbem-29740	67	73	of	of	ADP
fbem-29740	67	74	the	the	DET
fbem-29740	67	75	united	united	PROPN
fbem-29740	67	76	states	states	PROPN
fbem-29740	67	77	of	of	ADP
fbem-29740	67	78	america	america	PROPN
fbem-29740	67	79	is	be	AUX
fbem-29740	67	80	an	an	DET
fbem-29740	67	81	upward	upward	ADJ
fbem-29740	67	82	trend	trend	NOUN
fbem-29740	67	83	may	may	AUX
fbem-29740	67	84	increase	increase	VERB
fbem-29740	67	85	the	the	DET
fbem-29740	67	86	united	united	PROPN
fbem-29740	67	87	states	states	PROPN
fbem-29740	67	88	of	of	ADP
fbem-29740	67	89	america	america	PROPN
fbem-29740	67	90	people	people	NOUN
fbem-29740	67	91	's	's	PART
fbem-29740	67	92	confidence	confidence	NOUN
fbem-29740	67	93	in	in	ADP
fbem-29740	67	94	the	the	DET
fbem-29740	67	95	banking	banking	NOUN
fbem-29740	67	96	system	system	NOUN
fbem-29740	67	97	.	.	PUNCT
fbem-29740	68	1	3	3	X
fbem-29740	68	2	.	.	X
fbem-29740	68	3	causes	cause	NOUN
fbem-29740	68	4	and	and	CCONJ
fbem-29740	68	5	ways	way	NOUN
fbem-29740	68	6	of	of	ADP
fbem-29740	68	7	moral	moral	ADJ
fbem-29740	68	8	hazard	hazard	NOUN
fbem-29740	68	9	in	in	ADP
fbem-29740	68	10	commercial	commercial	ADJ
fbem-29740	68	11	banks	bank	NOUN
fbem-29740	68	12	under	under	ADP
fbem-29740	68	13	the	the	DET
fbem-29740	68	14	deposit	deposit	NOUN
fbem-29740	68	15	insurance	insurance	NOUN
fbem-29740	68	16	system	system	NOUN
fbem-29740	68	17	3.1	3.1	NUM
fbem-29740	68	18	.	.	PUNCT
fbem-29740	69	1	causes	cause	NOUN
fbem-29740	69	2	of	of	ADP
fbem-29740	69	3	moral	moral	ADJ
fbem-29740	69	4	hazard	hazard	NOUN
fbem-29740	69	5	in	in	ADP
fbem-29740	69	6	deposit	deposit	NOUN
fbem-29740	69	7	insurance	insurance	NOUN
fbem-29740	69	8	system	system	NOUN
fbem-29740	69	9	3.1.1	3.1.1	NOUN
fbem-29740	69	10	.	.	PUNCT
fbem-29740	70	1	information	information	NOUN
fbem-29740	70	2	asymmetry	asymmetry	NOUN
fbem-29740	70	3	information	information	NOUN
fbem-29740	70	4	asymmetry	asymmetry	NOUN
fbem-29740	70	5	refers	refer	VERB
fbem-29740	70	6	to	to	ADP
fbem-29740	70	7	the	the	DET
fbem-29740	70	8	existence	existence	NOUN
fbem-29740	70	9	of	of	ADP
fbem-29740	70	10	external	external	ADJ
fbem-29740	70	11	factors	factor	NOUN
fbem-29740	70	12	such	such	ADJ
fbem-29740	70	13	as	as	ADP
fbem-29740	70	14	artificial	artificial	ADJ
fbem-29740	70	15	deception	deception	NOUN
fbem-29740	70	16	and	and	CCONJ
fbem-29740	70	17	concealment	concealment	NOUN
fbem-29740	70	18	,	,	PUNCT
fbem-29740	70	19	collection	collection	NOUN
fbem-29740	70	20	costs	cost	NOUN
fbem-29740	70	21	,	,	PUNCT
fbem-29740	70	22	etc	etc	X
fbem-29740	70	23	.	.	X
fbem-29740	70	24	,	,	PUNCT
fbem-29740	70	25	resulting	result	VERB
fbem-29740	70	26	in	in	ADP
fbem-29740	70	27	information	information	NOUN
fbem-29740	70	28	inequality	inequality	NOUN
fbem-29740	70	29	between	between	ADP
fbem-29740	70	30	the	the	DET
fbem-29740	70	31	two	two	NUM
fbem-29740	70	32	sides	side	NOUN
fbem-29740	70	33	of	of	ADP
fbem-29740	70	34	the	the	DET
fbem-29740	70	35	transaction	transaction	NOUN
fbem-29740	70	36	,	,	PUNCT
fbem-29740	70	37	so	so	SCONJ
fbem-29740	70	38	that	that	SCONJ
fbem-29740	70	39	the	the	DET
fbem-29740	70	40	party	party	NOUN
fbem-29740	70	41	with	with	ADP
fbem-29740	70	42	more	more	ADJ
fbem-29740	70	43	information	information	NOUN
fbem-29740	70	44	can	can	AUX
fbem-29740	70	45	make	make	VERB
fbem-29740	70	46	use	use	NOUN
fbem-29740	70	47	of	of	ADP
fbem-29740	70	48	its	its	PRON
fbem-29740	70	49	own	own	ADJ
fbem-29740	70	50	information	information	NOUN
fbem-29740	70	51	to	to	PART
fbem-29740	70	52	make	make	VERB
fbem-29740	70	53	some	some	PRON
fbem-29740	70	54	favorable	favorable	ADJ
fbem-29740	70	55	to	to	ADP
fbem-29740	70	56	their	their	PRON
fbem-29740	70	57	own	own	ADJ
fbem-29740	70	58	interests	interest	NOUN
fbem-29740	70	59	but	but	CCONJ
fbem-29740	70	60	will	will	AUX
fbem-29740	70	61	be	be	AUX
fbem-29740	70	62	unfavorable	unfavorable	ADJ
fbem-29740	70	63	to	to	ADP
fbem-29740	70	64	the	the	DET
fbem-29740	70	65	other	other	ADJ
fbem-29740	70	66	party	party	NOUN
fbem-29740	70	67	's	's	PART
fbem-29740	70	68	behavior	behavior	NOUN
fbem-29740	70	69	.	.	PUNCT
fbem-29740	71	1	in	in	ADP
fbem-29740	71	2	the	the	DET
fbem-29740	71	3	deposit	deposit	NOUN
fbem-29740	71	4	insurance	insurance	NOUN
fbem-29740	71	5	system	system	NOUN
fbem-29740	71	6	,	,	PUNCT
fbem-29740	71	7	we	we	PRON
fbem-29740	71	8	can	can	AUX
fbem-29740	71	9	find	find	VERB
fbem-29740	71	10	that	that	SCONJ
fbem-29740	71	11	it	it	PRON
fbem-29740	71	12	involves	involve	VERB
fbem-29740	71	13	three	three	NUM
fbem-29740	71	14	relationship	relationship	NOUN
fbem-29740	71	15	subjects	subject	NOUN
fbem-29740	71	16	:	:	PUNCT
fbem-29740	71	17	depositors	depositor	NOUN
fbem-29740	71	18	,	,	PUNCT
fbem-29740	71	19	deposit	deposit	NOUN
fbem-29740	71	20	insurance	insurance	NOUN
fbem-29740	71	21	institutions	institution	NOUN
fbem-29740	71	22	and	and	CCONJ
fbem-29740	71	23	insured	insure	VERB
fbem-29740	71	24	financial	financial	ADJ
fbem-29740	71	25	institutions	institution	NOUN
fbem-29740	71	26	.	.	PUNCT
fbem-29740	72	1	all	all	DET
fbem-29740	72	2	three	three	NUM
fbem-29740	72	3	have	have	VERB
fbem-29740	72	4	information	information	NOUN
fbem-29740	72	5	asymmetry	asymmetry	NOUN
fbem-29740	72	6	problems	problem	NOUN
fbem-29740	72	7	,	,	PUNCT
fbem-29740	72	8	which	which	PRON
fbem-29740	72	9	further	far	ADV
fbem-29740	72	10	weaken	weaken	VERB
fbem-29740	72	11	the	the	DET
fbem-29740	72	12	ability	ability	NOUN
fbem-29740	72	13	of	of	ADP
fbem-29740	72	14	market	market	NOUN
fbem-29740	72	15	regulation	regulation	NOUN
fbem-29740	72	16	and	and	CCONJ
fbem-29740	72	17	micro	micro	NOUN
fbem-29740	72	18	-	-	NOUN
fbem-29740	72	19	prudence	prudence	NOUN
fbem-29740	72	20	.	.	PUNCT
fbem-29740	73	1	(	(	PUNCT
fbem-29740	73	2	1	1	X
fbem-29740	73	3	)	)	PUNCT
fbem-29740	73	4	information	information	NOUN
fbem-29740	73	5	asymmetry	asymmetry	NOUN
fbem-29740	73	6	problems	problem	NOUN
fbem-29740	73	7	between	between	ADP
fbem-29740	73	8	depositors	depositor	NOUN
fbem-29740	73	9	and	and	CCONJ
fbem-29740	73	10	insured	insure	VERB
fbem-29740	73	11	financial	financial	ADJ
fbem-29740	73	12	institutions	institution	NOUN
fbem-29740	73	13	depositors	depositor	NOUN
fbem-29740	73	14	and	and	CCONJ
fbem-29740	73	15	insured	insure	VERB
fbem-29740	73	16	financial	financial	ADJ
fbem-29740	73	17	institutions	institution	NOUN
fbem-29740	73	18	are	be	AUX
fbem-29740	73	19	in	in	ADP
fbem-29740	73	20	a	a	DET
fbem-29740	73	21	debt	debt	NOUN
fbem-29740	73	22	relationship	relationship	NOUN
fbem-29740	73	23	,	,	PUNCT
fbem-29740	73	24	in	in	ADP
fbem-29740	73	25	which	which	PRON
fbem-29740	73	26	the	the	DET
fbem-29740	73	27	depositor	depositor	NOUN
fbem-29740	73	28	is	be	AUX
fbem-29740	73	29	the	the	DET
fbem-29740	73	30	creditor	creditor	NOUN
fbem-29740	73	31	and	and	CCONJ
fbem-29740	73	32	the	the	DET
fbem-29740	73	33	financial	financial	ADJ
fbem-29740	73	34	institution	institution	NOUN
fbem-29740	73	35	is	be	AUX
fbem-29740	73	36	the	the	DET
fbem-29740	73	37	debtor	debtor	NOUN
fbem-29740	73	38	.	.	PUNCT
fbem-29740	74	1	as	as	SCONJ
fbem-29740	74	2	depositors	depositor	NOUN
fbem-29740	74	3	need	need	VERB
fbem-29740	74	4	to	to	PART
fbem-29740	74	5	store	store	VERB
fbem-29740	74	6	their	their	PRON
fbem-29740	74	7	funds	fund	NOUN
fbem-29740	74	8	in	in	ADP
fbem-29740	74	9	financial	financial	ADJ
fbem-29740	74	10	institutions	institution	NOUN
fbem-29740	74	11	,	,	PUNCT
fbem-29740	74	12	out	out	ADP
fbem-29740	74	13	of	of	ADP
fbem-29740	74	14	consideration	consideration	NOUN
fbem-29740	74	15	for	for	ADP
fbem-29740	74	16	the	the	DET
fbem-29740	74	17	safety	safety	NOUN
fbem-29740	74	18	of	of	ADP
fbem-29740	74	19	their	their	PRON
fbem-29740	74	20	own	own	ADJ
fbem-29740	74	21	property	property	NOUN
fbem-29740	74	22	,	,	PUNCT
fbem-29740	74	23	depositors	depositor	NOUN
fbem-29740	74	24	often	often	ADV
fbem-29740	74	25	have	have	VERB
fbem-29740	74	26	to	to	PART
fbem-29740	74	27	investigate	investigate	VERB
fbem-29740	74	28	financial	financial	ADJ
fbem-29740	74	29	institutions	institution	NOUN
fbem-29740	74	30	,	,	PUNCT
fbem-29740	74	31	but	but	CCONJ
fbem-29740	74	32	banks	bank	NOUN
fbem-29740	74	33	and	and	CCONJ
fbem-29740	74	34	other	other	ADJ
fbem-29740	74	35	financial	financial	ADJ
fbem-29740	74	36	institutions	institution	NOUN
fbem-29740	74	37	do	do	AUX
fbem-29740	74	38	not	not	PART
fbem-29740	74	39	publicize	publicize	VERB
fbem-29740	74	40	some	some	DET
fbem-29740	74	41	internal	internal	ADJ
fbem-29740	74	42	information	information	NOUN
fbem-29740	74	43	,	,	PUNCT
fbem-29740	74	44	so	so	CCONJ
fbem-29740	74	45	there	there	PRON
fbem-29740	74	46	is	be	VERB
fbem-29740	74	47	an	an	DET
fbem-29740	74	48	information	information	NOUN
fbem-29740	74	49	asymmetry	asymmetry	NOUN
fbem-29740	74	50	problem	problem	NOUN
fbem-29740	74	51	between	between	ADP
fbem-29740	74	52	depositors	depositor	NOUN
fbem-29740	74	53	and	and	CCONJ
fbem-29740	74	54	banks	bank	NOUN
fbem-29740	74	55	.	.	PUNCT
fbem-29740	75	1	it	it	PRON
fbem-29740	75	2	is	be	AUX
fbem-29740	75	3	because	because	SCONJ
fbem-29740	75	4	of	of	ADP
fbem-29740	75	5	the	the	DET
fbem-29740	75	6	establishment	establishment	NOUN
fbem-29740	75	7	of	of	ADP
fbem-29740	75	8	the	the	DET
fbem-29740	75	9	deposit	deposit	NOUN
fbem-29740	75	10	insurance	insurance	NOUN
fbem-29740	75	11	system	system	NOUN
fbem-29740	75	12	,	,	PUNCT
fbem-29740	75	13	the	the	DET
fbem-29740	75	14	residents	resident	NOUN
fbem-29740	75	15	of	of	ADP
fbem-29740	75	16	the	the	DET
fbem-29740	75	17	deposit	deposit	NOUN
fbem-29740	75	18	has	have	AUX
fbem-29740	75	19	been	be	AUX
fbem-29740	75	20	a	a	DET
fbem-29740	75	21	certain	certain	ADJ
fbem-29740	75	22	degree	degree	NOUN
fbem-29740	75	23	of	of	ADP
fbem-29740	75	24	protection	protection	NOUN
fbem-29740	75	25	,	,	PUNCT
fbem-29740	75	26	so	so	SCONJ
fbem-29740	75	27	the	the	DET
fbem-29740	75	28	residents	resident	NOUN
fbem-29740	75	29	have	have	AUX
fbem-29740	75	30	lost	lose	VERB
fbem-29740	75	31	the	the	DET
fbem-29740	75	32	supervision	supervision	NOUN
fbem-29740	75	33	and	and	CCONJ
fbem-29740	75	34	management	management	NOUN
fbem-29740	75	35	of	of	ADP
fbem-29740	75	36	whether	whether	SCONJ
fbem-29740	75	37	the	the	DET
fbem-29740	75	38	bank	bank	NOUN
fbem-29740	75	39	to	to	PART
fbem-29740	75	40	carry	carry	VERB
fbem-29740	75	41	out	out	ADP
fbem-29740	75	42	high	high	ADJ
fbem-29740	75	43	-	-	PUNCT
fbem-29740	75	44	risk	risk	NOUN
fbem-29740	75	45	investment	investment	NOUN
fbem-29740	75	46	.	.	PUNCT
fbem-29740	76	1	at	at	ADP
fbem-29740	76	2	the	the	DET
fbem-29740	76	3	same	same	ADJ
fbem-29740	76	4	time	time	NOUN
fbem-29740	76	5	,	,	PUNCT
fbem-29740	76	6	as	as	SCONJ
fbem-29740	76	7	depositors	depositor	NOUN
fbem-29740	76	8	lose	lose	VERB
fbem-29740	76	9	the	the	DET
fbem-29740	76	10	supervision	supervision	NOUN
fbem-29740	76	11	and	and	CCONJ
fbem-29740	76	12	management	management	NOUN
fbem-29740	76	13	of	of	ADP
fbem-29740	76	14	banks	bank	NOUN
fbem-29740	76	15	,	,	PUNCT
fbem-29740	76	16	they	they	PRON
fbem-29740	76	17	will	will	AUX
fbem-29740	76	18	not	not	PART
fbem-29740	76	19	withdraw	withdraw	VERB
fbem-29740	76	20	their	their	PRON
fbem-29740	76	21	money	money	NOUN
fbem-29740	76	22	when	when	SCONJ
fbem-29740	76	23	they	they	PRON
fbem-29740	76	24	discover	discover	VERB
fbem-29740	76	25	high	high	ADJ
fbem-29740	76	26	-	-	PUNCT
fbem-29740	76	27	risk	risk	NOUN
fbem-29740	76	28	investments	investment	NOUN
fbem-29740	76	29	by	by	ADP
fbem-29740	76	30	banks	bank	NOUN
fbem-29740	76	31	,	,	PUNCT
fbem-29740	76	32	thus	thus	ADV
fbem-29740	76	33	restraining	restrain	VERB
fbem-29740	76	34	their	their	PRON
fbem-29740	76	35	excessive	excessive	ADJ
fbem-29740	76	36	behavior	behavior	NOUN
fbem-29740	76	37	,	,	PUNCT
fbem-29740	76	38	and	and	CCONJ
fbem-29740	76	39	banks	bank	NOUN
fbem-29740	76	40	will	will	AUX
fbem-29740	76	41	be	be	AUX
fbem-29740	76	42	incentivized	incentivize	VERB
fbem-29740	76	43	to	to	PART
fbem-29740	76	44	engage	engage	VERB
fbem-29740	76	45	in	in	ADP
fbem-29740	76	46	high	high	ADJ
fbem-29740	76	47	-	-	PUNCT
fbem-29740	76	48	risk	risk	NOUN
fbem-29740	76	49	speculation	speculation	NOUN
fbem-29740	76	50	,	,	PUNCT
fbem-29740	76	51	which	which	PRON
fbem-29740	76	52	will	will	AUX
fbem-29740	76	53	lead	lead	VERB
fbem-29740	76	54	to	to	ADP
fbem-29740	76	55	more	more	ADJ
fbem-29740	76	56	instability	instability	NOUN
fbem-29740	76	57	in	in	ADP
fbem-29740	76	58	the	the	DET
fbem-29740	76	59	financial	financial	ADJ
fbem-29740	76	60	market	market	NOUN
fbem-29740	76	61	,	,	PUNCT
fbem-29740	76	62	and	and	CCONJ
fbem-29740	76	63	the	the	DET
fbem-29740	76	64	likelihood	likelihood	NOUN
fbem-29740	76	65	of	of	ADP
fbem-29740	76	66	bank	bank	NOUN
fbem-29740	76	67	failures	failure	NOUN
fbem-29740	76	68	will	will	AUX
fbem-29740	76	69	be	be	AUX
fbem-29740	76	70	greatly	greatly	ADV
fbem-29740	76	71	increased	increase	VERB
fbem-29740	76	72	,	,	PUNCT
fbem-29740	76	73	and	and	CCONJ
fbem-29740	76	74	the	the	DET
fbem-29740	76	75	likelihood	likelihood	NOUN
fbem-29740	76	76	of	of	ADP
fbem-29740	76	77	financial	financial	ADJ
fbem-29740	76	78	crises	crisis	NOUN
fbem-29740	76	79	will	will	AUX
fbem-29740	76	80	also	also	ADV
fbem-29740	76	81	become	become	VERB
fbem-29740	76	82	higher	high	ADJ
fbem-29740	76	83	.	.	PUNCT
fbem-29740	77	1	(	(	PUNCT
fbem-29740	77	2	2	2	X
fbem-29740	77	3	)	)	PUNCT
fbem-29740	77	4	information	information	NOUN
fbem-29740	77	5	asymmetry	asymmetry	NOUN
fbem-29740	77	6	between	between	ADP
fbem-29740	77	7	deposit	deposit	NOUN
fbem-29740	77	8	insurers	insurer	NOUN
fbem-29740	77	9	and	and	CCONJ
fbem-29740	77	10	depositors	depositor	NOUN
fbem-29740	77	11	the	the	DET
fbem-29740	77	12	role	role	NOUN
fbem-29740	77	13	of	of	ADP
fbem-29740	77	14	the	the	DET
fbem-29740	77	15	deposit	deposit	NOUN
fbem-29740	77	16	insurance	insurance	NOUN
fbem-29740	77	17	agency	agency	NOUN
fbem-29740	77	18	is	be	AUX
fbem-29740	77	19	to	to	PART
fbem-29740	77	20	supervise	supervise	VERB
fbem-29740	77	21	whether	whether	SCONJ
fbem-29740	77	22	the	the	DET
fbem-29740	77	23	bank	bank	NOUN
fbem-29740	77	24	has	have	VERB
fbem-29740	77	25	risky	risky	ADJ
fbem-29740	77	26	investment	investment	NOUN
fbem-29740	77	27	behavior	behavior	NOUN
fbem-29740	77	28	,	,	PUNCT
fbem-29740	77	29	which	which	PRON
fbem-29740	77	30	is	be	AUX
fbem-29740	77	31	mainly	mainly	ADV
fbem-29740	77	32	divided	divide	VERB
fbem-29740	77	33	into	into	ADP
fbem-29740	77	34	two	two	NUM
fbem-29740	77	35	aspects	aspect	NOUN
fbem-29740	77	36	:	:	PUNCT
fbem-29740	77	37	the	the	DET
fbem-29740	77	38	first	first	ADJ
fbem-29740	77	39	is	be	AUX
fbem-29740	77	40	to	to	PART
fbem-29740	77	41	supervise	supervise	VERB
fbem-29740	77	42	the	the	DET
fbem-29740	77	43	insured	insure	VERB
fbem-29740	77	44	institution	institution	NOUN
fbem-29740	77	45	,	,	PUNCT
fbem-29740	77	46	if	if	SCONJ
fbem-29740	77	47	there	there	PRON
fbem-29740	77	48	is	be	VERB
fbem-29740	77	49	a	a	DET
fbem-29740	77	50	tendency	tendency	NOUN
fbem-29740	77	51	of	of	ADP
fbem-29740	77	52	bankruptcy	bankruptcy	NOUN
fbem-29740	77	53	,	,	PUNCT
fbem-29740	77	54	and	and	CCONJ
fbem-29740	77	55	require	require	VERB
fbem-29740	77	56	it	it	PRON
fbem-29740	77	57	to	to	PART
fbem-29740	77	58	correct	correct	VERB
fbem-29740	77	59	its	its	PRON
fbem-29740	77	60	business	business	NOUN
fbem-29740	77	61	mode	mode	NOUN
fbem-29740	77	62	in	in	ADP
fbem-29740	77	63	time	time	NOUN
fbem-29740	77	64	so	so	SCONJ
fbem-29740	77	65	that	that	SCONJ
fbem-29740	77	66	it	it	PRON
fbem-29740	77	67	can	can	AUX
fbem-29740	77	68	resume	resume	VERB
fbem-29740	77	69	normal	normal	ADJ
fbem-29740	77	70	operation	operation	NOUN
fbem-29740	77	71	.	.	PUNCT
fbem-29740	78	1	the	the	DET
fbem-29740	78	2	second	second	ADJ
fbem-29740	78	3	is	be	AUX
fbem-29740	78	4	that	that	SCONJ
fbem-29740	78	5	if	if	SCONJ
fbem-29740	78	6	a	a	DET
fbem-29740	78	7	financial	financial	ADJ
fbem-29740	78	8	enterprise	enterprise	NOUN
fbem-29740	78	9	is	be	AUX
fbem-29740	78	10	already	already	ADV
fbem-29740	78	11	in	in	ADP
fbem-29740	78	12	the	the	DET
fbem-29740	78	13	process	process	NOUN
fbem-29740	78	14	of	of	ADP
fbem-29740	78	15	bankruptcy	bankruptcy	NOUN
fbem-29740	78	16	and	and	CCONJ
fbem-29740	78	17	liquidation	liquidation	NOUN
fbem-29740	78	18	,	,	PUNCT
fbem-29740	78	19	then	then	ADV
fbem-29740	78	20	the	the	DET
fbem-29740	78	21	deposit	deposit	NOUN
fbem-29740	78	22	insurance	insurance	NOUN
fbem-29740	78	23	organization	organization	NOUN
fbem-29740	78	24	will	will	AUX
fbem-29740	78	25	have	have	VERB
fbem-29740	78	26	to	to	PART
fbem-29740	78	27	pay	pay	VERB
fbem-29740	78	28	out	out	ADP
fbem-29740	78	29	to	to	ADP
fbem-29740	78	30	the	the	DET
fbem-29740	78	31	financial	financial	ADJ
fbem-29740	78	32	enterprise	enterprise	NOUN
fbem-29740	78	33	to	to	PART
fbem-29740	78	34	help	help	VERB
fbem-29740	78	35	it	it	PRON
fbem-29740	78	36	get	get	VERB
fbem-29740	78	37	out	out	ADP
fbem-29740	78	38	of	of	ADP
fbem-29740	78	39	the	the	DET
fbem-29740	78	40	242	242	NUM
fbem-29740	78	41	predicament	predicament	NOUN
fbem-29740	78	42	.	.	PUNCT
fbem-29740	79	1	at	at	ADP
fbem-29740	79	2	this	this	DET
fbem-29740	79	3	time	time	NOUN
fbem-29740	79	4	,	,	PUNCT
fbem-29740	79	5	the	the	DET
fbem-29740	79	6	deposit	deposit	NOUN
fbem-29740	79	7	insurance	insurance	NOUN
fbem-29740	79	8	organization	organization	NOUN
fbem-29740	79	9	is	be	AUX
fbem-29740	79	10	equivalent	equivalent	ADJ
fbem-29740	79	11	to	to	ADP
fbem-29740	79	12	the	the	DET
fbem-29740	79	13	identity	identity	NOUN
fbem-29740	79	14	of	of	ADP
fbem-29740	79	15	the	the	DET
fbem-29740	79	16	agent	agent	NOUN
fbem-29740	79	17	of	of	ADP
fbem-29740	79	18	the	the	DET
fbem-29740	79	19	insolvent	insolvent	ADJ
fbem-29740	79	20	financial	financial	ADJ
fbem-29740	79	21	enterprise	enterprise	NOUN
fbem-29740	79	22	,	,	PUNCT
fbem-29740	79	23	and	and	CCONJ
fbem-29740	79	24	its	its	PRON
fbem-29740	79	25	main	main	ADJ
fbem-29740	79	26	work	work	NOUN
fbem-29740	79	27	is	be	AUX
fbem-29740	79	28	to	to	PART
fbem-29740	79	29	save	save	VERB
fbem-29740	79	30	the	the	DET
fbem-29740	79	31	insolvent	insolvent	ADJ
fbem-29740	79	32	enterprise	enterprise	NOUN
fbem-29740	79	33	and	and	CCONJ
fbem-29740	79	34	protect	protect	VERB
fbem-29740	79	35	the	the	DET
fbem-29740	79	36	safety	safety	NOUN
fbem-29740	79	37	of	of	ADP
fbem-29740	79	38	depositors	depositor	NOUN
fbem-29740	79	39	'	'	PART
fbem-29740	79	40	deposits	deposit	NOUN
fbem-29740	79	41	.	.	PUNCT
fbem-29740	80	1	the	the	DET
fbem-29740	80	2	information	information	NOUN
fbem-29740	80	3	asymmetry	asymmetry	NOUN
fbem-29740	80	4	in	in	ADP
fbem-29740	80	5	this	this	DET
fbem-29740	80	6	situation	situation	NOUN
fbem-29740	80	7	also	also	ADV
fbem-29740	80	8	brings	bring	VERB
fbem-29740	80	9	about	about	ADV
fbem-29740	80	10	two	two	NUM
fbem-29740	80	11	problems	problem	NOUN
fbem-29740	80	12	.	.	PUNCT
fbem-29740	81	1	the	the	DET
fbem-29740	81	2	first	first	ADJ
fbem-29740	81	3	problem	problem	NOUN
fbem-29740	81	4	is	be	AUX
fbem-29740	81	5	regulatory	regulatory	ADJ
fbem-29740	81	6	laxity	laxity	NOUN
fbem-29740	81	7	.	.	PUNCT
fbem-29740	82	1	since	since	SCONJ
fbem-29740	82	2	the	the	DET
fbem-29740	82	3	regulator	regulator	NOUN
fbem-29740	82	4	needs	need	VERB
fbem-29740	82	5	to	to	PART
fbem-29740	82	6	be	be	AUX
fbem-29740	82	7	in	in	ADP
fbem-29740	82	8	close	close	ADJ
fbem-29740	82	9	contact	contact	NOUN
fbem-29740	82	10	with	with	ADP
fbem-29740	82	11	the	the	DET
fbem-29740	82	12	regulated	regulated	ADJ
fbem-29740	82	13	institution	institution	NOUN
fbem-29740	82	14	,	,	PUNCT
fbem-29740	82	15	if	if	SCONJ
fbem-29740	82	16	there	there	PRON
fbem-29740	82	17	is	be	VERB
fbem-29740	82	18	a	a	DET
fbem-29740	82	19	situation	situation	NOUN
fbem-29740	82	20	of	of	ADP
fbem-29740	82	21	mutual	mutual	ADJ
fbem-29740	82	22	harboring	harboring	NOUN
fbem-29740	82	23	,	,	PUNCT
fbem-29740	82	24	the	the	DET
fbem-29740	82	25	regulatory	regulatory	ADJ
fbem-29740	82	26	system	system	NOUN
fbem-29740	82	27	will	will	AUX
fbem-29740	82	28	take	take	VERB
fbem-29740	82	29	regulatory	regulatory	ADJ
fbem-29740	82	30	laxity	laxity	NOUN
fbem-29740	82	31	measures	measure	NOUN
fbem-29740	82	32	for	for	ADP
fbem-29740	82	33	the	the	DET
fbem-29740	82	34	regulated	regulated	ADJ
fbem-29740	82	35	institution	institution	NOUN
fbem-29740	82	36	,	,	PUNCT
fbem-29740	82	37	thus	thus	ADV
fbem-29740	82	38	promoting	promote	VERB
fbem-29740	82	39	the	the	DET
fbem-29740	82	40	behavior	behavior	NOUN
fbem-29740	82	41	of	of	ADP
fbem-29740	82	42	financial	financial	ADJ
fbem-29740	82	43	institutions	institution	NOUN
fbem-29740	82	44	'	'	PART
fbem-29740	82	45	risk	risk	NOUN
fbem-29740	82	46	-	-	PUNCT
fbem-29740	82	47	preferred	prefer	VERB
fbem-29740	82	48	investment	investment	NOUN
fbem-29740	82	49	,	,	PUNCT
fbem-29740	82	50	which	which	PRON
fbem-29740	82	51	is	be	AUX
fbem-29740	82	52	not	not	PART
fbem-29740	82	53	conducive	conducive	ADJ
fbem-29740	82	54	to	to	ADP
fbem-29740	82	55	the	the	DET
fbem-29740	82	56	stability	stability	NOUN
fbem-29740	82	57	of	of	ADP
fbem-29740	82	58	the	the	DET
fbem-29740	82	59	financial	financial	ADJ
fbem-29740	82	60	sector	sector	NOUN
fbem-29740	82	61	.	.	PUNCT
fbem-29740	83	1	the	the	DET
fbem-29740	83	2	second	second	ADJ
fbem-29740	83	3	problem	problem	NOUN
fbem-29740	83	4	is	be	AUX
fbem-29740	83	5	that	that	PRON
fbem-29740	83	6	of	of	ADP
fbem-29740	83	7	delayed	delay	VERB
fbem-29740	83	8	penalties	penalty	NOUN
fbem-29740	83	9	.	.	PUNCT
fbem-29740	84	1	according	accord	VERB
fbem-29740	84	2	to	to	ADP
fbem-29740	84	3	common	common	ADJ
fbem-29740	84	4	sense	sense	NOUN
fbem-29740	84	5	,	,	PUNCT
fbem-29740	84	6	financial	financial	ADJ
fbem-29740	84	7	regulators	regulator	NOUN
fbem-29740	84	8	should	should	AUX
fbem-29740	84	9	always	always	ADV
fbem-29740	84	10	check	check	VERB
fbem-29740	84	11	the	the	DET
fbem-29740	84	12	status	status	NOUN
fbem-29740	84	13	of	of	ADP
fbem-29740	84	14	funds	fund	NOUN
fbem-29740	84	15	of	of	ADP
fbem-29740	84	16	the	the	DET
fbem-29740	84	17	regulated	regulated	ADJ
fbem-29740	84	18	financial	financial	ADJ
fbem-29740	84	19	institutions	institution	NOUN
fbem-29740	84	20	,	,	PUNCT
fbem-29740	84	21	so	so	SCONJ
fbem-29740	84	22	as	as	SCONJ
fbem-29740	84	23	to	to	PART
fbem-29740	84	24	determine	determine	VERB
fbem-29740	84	25	whether	whether	SCONJ
fbem-29740	84	26	or	or	CCONJ
fbem-29740	84	27	not	not	PART
fbem-29740	84	28	they	they	PRON
fbem-29740	84	29	should	should	AUX
fbem-29740	84	30	be	be	AUX
fbem-29740	84	31	invested	invest	VERB
fbem-29740	84	32	in	in	ADP
fbem-29740	84	33	their	their	PRON
fbem-29740	84	34	normal	normal	ADJ
fbem-29740	84	35	condition	condition	NOUN
fbem-29740	84	36	,	,	PUNCT
fbem-29740	84	37	but	but	CCONJ
fbem-29740	84	38	if	if	SCONJ
fbem-29740	84	39	the	the	DET
fbem-29740	84	40	regulator	regulator	NOUN
fbem-29740	84	41	in	in	ADP
fbem-29740	84	42	order	order	NOUN
fbem-29740	84	43	to	to	PART
fbem-29740	84	44	reduce	reduce	VERB
fbem-29740	84	45	the	the	DET
fbem-29740	84	46	cost	cost	NOUN
fbem-29740	84	47	of	of	ADP
fbem-29740	84	48	supervision	supervision	NOUN
fbem-29740	84	49	so	so	SCONJ
fbem-29740	84	50	as	as	SCONJ
fbem-29740	84	51	to	to	PART
fbem-29740	84	52	reduce	reduce	VERB
fbem-29740	84	53	the	the	DET
fbem-29740	84	54	frequency	frequency	NOUN
fbem-29740	84	55	of	of	ADP
fbem-29740	84	56	checking	check	VERB
fbem-29740	84	57	on	on	ADP
fbem-29740	84	58	financial	financial	ADJ
fbem-29740	84	59	institutions	institution	NOUN
fbem-29740	84	60	,	,	PUNCT
fbem-29740	84	61	in	in	ADP
fbem-29740	84	62	the	the	DET
fbem-29740	84	63	adjacent	adjacent	ADJ
fbem-29740	84	64	two	two	NUM
fbem-29740	84	65	inspection	inspection	NOUN
fbem-29740	84	66	period	period	NOUN
fbem-29740	84	67	,	,	PUNCT
fbem-29740	84	68	if	if	SCONJ
fbem-29740	84	69	the	the	DET
fbem-29740	84	70	bank	bank	NOUN
fbem-29740	84	71	occurs	occur	VERB
fbem-29740	84	72	in	in	ADP
fbem-29740	84	73	a	a	DET
fbem-29740	84	74	more	more	ADV
fbem-29740	84	75	serious	serious	ADJ
fbem-29740	84	76	liquidity	liquidity	NOUN
fbem-29740	84	77	risk	risk	NOUN
fbem-29740	84	78	problem	problem	NOUN
fbem-29740	84	79	,	,	PUNCT
fbem-29740	84	80	and	and	CCONJ
fbem-29740	84	81	by	by	ADP
fbem-29740	84	82	chance	chance	NOUN
fbem-29740	84	83	out	out	ADP
fbem-29740	84	84	of	of	ADP
fbem-29740	84	85	the	the	DET
fbem-29740	84	86	predicament	predicament	NOUN
fbem-29740	84	87	,	,	PUNCT
fbem-29740	84	88	the	the	DET
fbem-29740	84	89	deposit	deposit	NOUN
fbem-29740	84	90	insurance	insurance	NOUN
fbem-29740	84	91	agency	agency	NOUN
fbem-29740	84	92	even	even	ADV
fbem-29740	84	93	if	if	SCONJ
fbem-29740	84	94	the	the	DET
fbem-29740	84	95	trouble	trouble	NOUN
fbem-29740	84	96	is	be	AUX
fbem-29740	84	97	spared	spare	VERB
fbem-29740	84	98	.	.	PUNCT
fbem-29740	85	1	but	but	CCONJ
fbem-29740	85	2	if	if	SCONJ
fbem-29740	85	3	the	the	DET
fbem-29740	85	4	financial	financial	ADJ
fbem-29740	85	5	institutions	institution	NOUN
fbem-29740	85	6	are	be	AUX
fbem-29740	85	7	not	not	PART
fbem-29740	85	8	out	out	ADP
fbem-29740	85	9	of	of	ADP
fbem-29740	85	10	the	the	DET
fbem-29740	85	11	woods	wood	NOUN
fbem-29740	85	12	,	,	PUNCT
fbem-29740	85	13	the	the	DET
fbem-29740	85	14	need	need	NOUN
fbem-29740	85	15	for	for	SCONJ
fbem-29740	85	16	deposit	deposit	NOUN
fbem-29740	85	17	insurance	insurance	NOUN
fbem-29740	85	18	companies	company	NOUN
fbem-29740	85	19	to	to	PART
fbem-29740	85	20	rescue	rescue	VERB
fbem-29740	85	21	,	,	PUNCT
fbem-29740	85	22	this	this	DET
fbem-29740	85	23	time	time	NOUN
fbem-29740	85	24	the	the	DET
fbem-29740	85	25	deposit	deposit	NOUN
fbem-29740	85	26	insurance	insurance	NOUN
fbem-29740	85	27	company	company	NOUN
fbem-29740	85	28	and	and	CCONJ
fbem-29740	85	29	then	then	ADV
fbem-29740	85	30	go	go	VERB
fbem-29740	85	31	through	through	ADP
fbem-29740	85	32	the	the	DET
fbem-29740	85	33	legal	legal	ADJ
fbem-29740	85	34	process	process	NOUN
fbem-29740	85	35	to	to	PART
fbem-29740	85	36	rescue	rescue	VERB
fbem-29740	85	37	the	the	DET
fbem-29740	85	38	financial	financial	ADJ
fbem-29740	85	39	enterprise	enterprise	NOUN
fbem-29740	85	40	is	be	AUX
fbem-29740	85	41	not	not	PART
fbem-29740	85	42	too	too	ADV
fbem-29740	85	43	late	late	ADJ
fbem-29740	85	44	,	,	PUNCT
fbem-29740	85	45	so	so	SCONJ
fbem-29740	85	46	it	it	PRON
fbem-29740	85	47	causes	cause	VERB
fbem-29740	85	48	the	the	DET
fbem-29740	85	49	deposit	deposit	NOUN
fbem-29740	85	50	insurance	insurance	NOUN
fbem-29740	85	51	institutions	institution	NOUN
fbem-29740	85	52	to	to	PART
fbem-29740	85	53	take	take	VERB
fbem-29740	85	54	a	a	DET
fbem-29740	85	55	chance	chance	NOUN
fbem-29740	85	56	on	on	ADP
fbem-29740	85	57	the	the	DET
fbem-29740	85	58	supervision	supervision	NOUN
fbem-29740	85	59	of	of	ADP
fbem-29740	85	60	the	the	DET
fbem-29740	85	61	lax	lax	ADJ
fbem-29740	85	62	behavior	behavior	NOUN
fbem-29740	85	63	appeared	appear	VERB
fbem-29740	85	64	to	to	PART
fbem-29740	85	65	stimulate	stimulate	VERB
fbem-29740	85	66	the	the	DET
fbem-29740	85	67	banks	bank	NOUN
fbem-29740	85	68	to	to	PART
fbem-29740	85	69	carry	carry	VERB
fbem-29740	85	70	out	out	ADP
fbem-29740	85	71	the	the	DET
fbem-29740	85	72	emergence	emergence	NOUN
fbem-29740	85	73	of	of	ADP
fbem-29740	85	74	aggressive	aggressive	ADJ
fbem-29740	85	75	investment	investment	NOUN
fbem-29740	85	76	behavior	behavior	NOUN
fbem-29740	85	77	.	.	PUNCT
fbem-29740	86	1	(	(	PUNCT
fbem-29740	86	2	3	3	X
fbem-29740	86	3	)	)	PUNCT
fbem-29740	86	4	information	information	NOUN
fbem-29740	86	5	asymmetry	asymmetry	NOUN
fbem-29740	86	6	between	between	ADP
fbem-29740	86	7	the	the	DET
fbem-29740	86	8	insured	insure	VERB
fbem-29740	86	9	financial	financial	ADJ
fbem-29740	86	10	institutions	institution	NOUN
fbem-29740	86	11	and	and	CCONJ
fbem-29740	86	12	deposit	deposit	NOUN
fbem-29740	86	13	insurance	insurance	NOUN
fbem-29740	86	14	institutions	institution	NOUN
fbem-29740	86	15	our	our	PRON
fbem-29740	86	16	country	country	NOUN
fbem-29740	86	17	adopts	adopt	VERB
fbem-29740	86	18	the	the	DET
fbem-29740	86	19	risk	risk	NOUN
fbem-29740	86	20	differential	differential	NOUN
fbem-29740	86	21	rate	rate	NOUN
fbem-29740	86	22	and	and	CCONJ
fbem-29740	86	23	mandatory	mandatory	ADJ
fbem-29740	86	24	insurance	insurance	NOUN
fbem-29740	86	25	policy	policy	NOUN
fbem-29740	86	26	,	,	PUNCT
fbem-29740	86	27	in	in	ADP
fbem-29740	86	28	which	which	PRON
fbem-29740	86	29	the	the	DET
fbem-29740	86	30	risk	risk	NOUN
fbem-29740	86	31	differential	differential	NOUN
fbem-29740	86	32	rate	rate	NOUN
fbem-29740	86	33	refers	refer	VERB
fbem-29740	86	34	to	to	ADP
fbem-29740	86	35	the	the	DET
fbem-29740	86	36	financial	financial	ADJ
fbem-29740	86	37	institutions	institution	NOUN
fbem-29740	86	38	according	accord	VERB
fbem-29740	86	39	to	to	ADP
fbem-29740	86	40	the	the	DET
fbem-29740	86	41	different	different	ADJ
fbem-29740	86	42	risk	risk	NOUN
fbem-29740	86	43	level	level	NOUN
fbem-29740	86	44	so	so	SCONJ
fbem-29740	86	45	as	as	SCONJ
fbem-29740	86	46	to	to	PART
fbem-29740	86	47	charge	charge	VERB
fbem-29740	86	48	different	different	ADJ
fbem-29740	86	49	risk	risk	NOUN
fbem-29740	86	50	rate	rate	NOUN
fbem-29740	86	51	deposit	deposit	NOUN
fbem-29740	86	52	insurance	insurance	NOUN
fbem-29740	86	53	rate	rate	NOUN
fbem-29740	86	54	policy	policy	NOUN
fbem-29740	86	55	,	,	PUNCT
fbem-29740	86	56	the	the	DET
fbem-29740	86	57	significance	significance	NOUN
fbem-29740	86	58	of	of	ADP
fbem-29740	86	59	doing	do	VERB
fbem-29740	86	60	so	so	ADV
fbem-29740	86	61	is	be	AUX
fbem-29740	86	62	to	to	PART
fbem-29740	86	63	make	make	VERB
fbem-29740	86	64	the	the	DET
fbem-29740	86	65	financial	financial	ADJ
fbem-29740	86	66	institutions	institution	NOUN
fbem-29740	86	67	that	that	PRON
fbem-29740	86	68	prefer	prefer	VERB
fbem-29740	86	69	high	high	ADJ
fbem-29740	86	70	-	-	PUNCT
fbem-29740	86	71	risk	risk	NOUN
fbem-29740	86	72	investment	investment	NOUN
fbem-29740	86	73	to	to	PART
fbem-29740	86	74	pay	pay	VERB
fbem-29740	86	75	a	a	DET
fbem-29740	86	76	higher	high	ADJ
fbem-29740	86	77	cost	cost	NOUN
fbem-29740	86	78	,	,	PUNCT
fbem-29740	86	79	so	so	SCONJ
fbem-29740	86	80	that	that	SCONJ
fbem-29740	86	81	the	the	DET
fbem-29740	86	82	financial	financial	ADJ
fbem-29740	86	83	market	market	NOUN
fbem-29740	86	84	is	be	AUX
fbem-29740	86	85	in	in	ADP
fbem-29740	86	86	a	a	DET
fbem-29740	86	87	fair	fair	ADJ
fbem-29740	86	88	and	and	CCONJ
fbem-29740	86	89	objective	objective	ADJ
fbem-29740	86	90	state	state	NOUN
fbem-29740	86	91	.	.	PUNCT
fbem-29740	87	1	if	if	SCONJ
fbem-29740	87	2	our	our	PRON
fbem-29740	87	3	country	country	NOUN
fbem-29740	87	4	does	do	AUX
fbem-29740	87	5	not	not	PART
fbem-29740	87	6	implement	implement	VERB
fbem-29740	87	7	the	the	DET
fbem-29740	87	8	policy	policy	NOUN
fbem-29740	87	9	of	of	ADP
fbem-29740	87	10	mandatory	mandatory	ADJ
fbem-29740	87	11	insurance	insurance	NOUN
fbem-29740	87	12	,	,	PUNCT
fbem-29740	87	13	then	then	ADV
fbem-29740	87	14	the	the	DET
fbem-29740	87	15	financial	financial	ADJ
fbem-29740	87	16	market	market	NOUN
fbem-29740	87	17	will	will	AUX
fbem-29740	87	18	have	have	VERB
fbem-29740	87	19	the	the	DET
fbem-29740	87	20	problem	problem	NOUN
fbem-29740	87	21	of	of	ADP
fbem-29740	87	22	substandard	substandard	ADJ
fbem-29740	87	23	vehicles	vehicle	NOUN
fbem-29740	87	24	,	,	PUNCT
fbem-29740	87	25	also	also	ADV
fbem-29740	87	26	called	call	VERB
fbem-29740	87	27	the	the	DET
fbem-29740	87	28	lemon	lemon	NOUN
fbem-29740	87	29	problem	problem	NOUN
fbem-29740	87	30	.	.	PUNCT
fbem-29740	88	1	because	because	SCONJ
fbem-29740	88	2	well	well	ADV
fbem-29740	88	3	-	-	PUNCT
fbem-29740	88	4	run	run	VERB
fbem-29740	88	5	financial	financial	ADJ
fbem-29740	88	6	institutions	institution	NOUN
fbem-29740	88	7	do	do	AUX
fbem-29740	88	8	not	not	PART
fbem-29740	88	9	need	need	VERB
fbem-29740	88	10	to	to	PART
fbem-29740	88	11	insure	insure	VERB
fbem-29740	88	12	to	to	PART
fbem-29740	88	13	do	do	VERB
fbem-29740	88	14	for	for	ADP
fbem-29740	88	15	their	their	PRON
fbem-29740	88	16	own	own	ADJ
fbem-29740	88	17	protection	protection	NOUN
fbem-29740	88	18	,	,	PUNCT
fbem-29740	88	19	only	only	ADV
fbem-29740	88	20	those	those	PRON
fbem-29740	88	21	who	who	PRON
fbem-29740	88	22	tend	tend	VERB
fbem-29740	88	23	to	to	PART
fbem-29740	88	24	high	high	ADJ
fbem-29740	88	25	-	-	PUNCT
fbem-29740	88	26	risk	risk	NOUN
fbem-29740	88	27	investment	investment	NOUN
fbem-29740	88	28	in	in	ADP
fbem-29740	88	29	financial	financial	ADJ
fbem-29740	88	30	institutions	institution	NOUN
fbem-29740	88	31	will	will	AUX
fbem-29740	88	32	be	be	AUX
fbem-29740	88	33	insured	insure	VERB
fbem-29740	88	34	,	,	PUNCT
fbem-29740	88	35	so	so	SCONJ
fbem-29740	88	36	the	the	DET
fbem-29740	88	37	market	market	NOUN
fbem-29740	88	38	is	be	AUX
fbem-29740	88	39	insured	insure	VERB
fbem-29740	88	40	institutions	institution	NOUN
fbem-29740	88	41	are	be	AUX
fbem-29740	88	42	all	all	ADV
fbem-29740	88	43	high	high	ADJ
fbem-29740	88	44	-	-	PUNCT
fbem-29740	88	45	risk	risk	NOUN
fbem-29740	88	46	banks	bank	NOUN
fbem-29740	88	47	,	,	PUNCT
fbem-29740	88	48	substandard	substandard	ADJ
fbem-29740	88	49	car	car	NOUN
fbem-29740	88	50	problem	problem	NOUN
fbem-29740	88	51	that	that	PRON
fbem-29740	88	52	is	be	AUX
fbem-29740	88	53	the	the	DET
fbem-29740	88	54	result	result	NOUN
fbem-29740	88	55	of	of	ADP
fbem-29740	88	56	the	the	DET
fbem-29740	88	57	market	market	NOUN
fbem-29740	88	58	transactions	transaction	NOUN
fbem-29740	88	59	of	of	ADP
fbem-29740	88	60	the	the	DET
fbem-29740	88	61	car	car	NOUN
fbem-29740	88	62	is	be	AUX
fbem-29740	88	63	all	all	PRON
fbem-29740	88	64	substandard	substandard	ADJ
fbem-29740	88	65	car	car	NOUN
fbem-29740	88	66	,	,	PUNCT
fbem-29740	88	67	the	the	DET
fbem-29740	88	68	market	market	NOUN
fbem-29740	88	69	is	be	AUX
fbem-29740	88	70	filled	fill	VERB
fbem-29740	88	71	with	with	ADP
fbem-29740	88	72	inferior	inferior	ADJ
fbem-29740	88	73	products	product	NOUN
fbem-29740	88	74	,	,	PUNCT
fbem-29740	88	75	which	which	PRON
fbem-29740	88	76	is	be	AUX
fbem-29740	88	77	not	not	PART
fbem-29740	88	78	conducive	conducive	ADJ
fbem-29740	88	79	to	to	ADP
fbem-29740	88	80	the	the	DET
fbem-29740	88	81	country	country	NOUN
fbem-29740	88	82	's	's	PART
fbem-29740	88	83	imports	import	NOUN
fbem-29740	88	84	and	and	CCONJ
fbem-29740	88	85	exports	export	NOUN
fbem-29740	88	86	as	as	ADV
fbem-29740	88	87	well	well	ADV
fbem-29740	88	88	as	as	ADP
fbem-29740	88	89	the	the	DET
fbem-29740	88	90	further	further	ADJ
fbem-29740	88	91	development	development	NOUN
fbem-29740	88	92	of	of	ADP
fbem-29740	88	93	the	the	DET
fbem-29740	88	94	economy	economy	NOUN
fbem-29740	88	95	for	for	ADP
fbem-29740	88	96	the	the	DET
fbem-29740	88	97	country	country	NOUN
fbem-29740	88	98	's	's	PART
fbem-29740	88	99	development	development	NOUN
fbem-29740	88	100	is	be	AUX
fbem-29740	88	101	a	a	DET
fbem-29740	88	102	great	great	ADJ
fbem-29740	88	103	threat	threat	NOUN
fbem-29740	88	104	.	.	PUNCT
fbem-29740	89	1	this	this	PRON
fbem-29740	89	2	is	be	AUX
fbem-29740	89	3	not	not	PART
fbem-29740	89	4	conducive	conducive	ADJ
fbem-29740	89	5	to	to	ADP
fbem-29740	89	6	the	the	DET
fbem-29740	89	7	country	country	NOUN
fbem-29740	89	8	's	's	PART
fbem-29740	89	9	import	import	NOUN
fbem-29740	89	10	and	and	CCONJ
fbem-29740	89	11	export	export	NOUN
fbem-29740	89	12	as	as	ADV
fbem-29740	89	13	well	well	ADV
fbem-29740	89	14	as	as	ADP
fbem-29740	89	15	further	further	ADJ
fbem-29740	89	16	economic	economic	ADJ
fbem-29740	89	17	development	development	NOUN
fbem-29740	89	18	,	,	PUNCT
fbem-29740	89	19	and	and	CCONJ
fbem-29740	89	20	is	be	AUX
fbem-29740	89	21	a	a	DET
fbem-29740	89	22	great	great	ADJ
fbem-29740	89	23	threat	threat	NOUN
fbem-29740	89	24	to	to	ADP
fbem-29740	89	25	national	national	ADJ
fbem-29740	89	26	development	development	NOUN
fbem-29740	89	27	.	.	PUNCT
fbem-29740	90	1	3.1.2	3.1.2	X
fbem-29740	90	2	.	.	PUNCT
fbem-29740	90	3	misalignment	misalignment	NOUN
fbem-29740	90	4	of	of	ADP
fbem-29740	90	5	rights	right	NOUN
fbem-29740	90	6	and	and	CCONJ
fbem-29740	90	7	obligations	obligation	NOUN
fbem-29740	90	8	rights	right	NOUN
fbem-29740	90	9	and	and	CCONJ
fbem-29740	90	10	obligations	obligation	NOUN
fbem-29740	90	11	are	be	AUX
fbem-29740	90	12	a	a	DET
fbem-29740	90	13	pair	pair	NOUN
fbem-29740	90	14	of	of	ADP
fbem-29740	90	15	proper	proper	ADJ
fbem-29740	90	16	nouns	noun	NOUN
fbem-29740	90	17	in	in	ADP
fbem-29740	90	18	the	the	DET
fbem-29740	90	19	law	law	NOUN
fbem-29740	90	20	,	,	PUNCT
fbem-29740	90	21	they	they	PRON
fbem-29740	90	22	are	be	AUX
fbem-29740	90	23	interdependent	interdependent	ADJ
fbem-29740	90	24	,	,	PUNCT
fbem-29740	90	25	there	there	PRON
fbem-29740	90	26	is	be	VERB
fbem-29740	90	27	no	no	DET
fbem-29740	90	28	separate	separate	ADJ
fbem-29740	90	29	existence	existence	NOUN
fbem-29740	90	30	of	of	ADP
fbem-29740	90	31	rights	right	NOUN
fbem-29740	90	32	,	,	PUNCT
fbem-29740	90	33	there	there	PRON
fbem-29740	90	34	is	be	VERB
fbem-29740	90	35	no	no	DET
fbem-29740	90	36	separate	separate	ADJ
fbem-29740	90	37	existence	existence	NOUN
fbem-29740	90	38	of	of	ADP
fbem-29740	90	39	obligations	obligation	NOUN
fbem-29740	90	40	,	,	PUNCT
fbem-29740	90	41	in	in	ADP
fbem-29740	90	42	general	general	ADJ
fbem-29740	90	43	,	,	PUNCT
fbem-29740	90	44	rights	right	NOUN
fbem-29740	90	45	and	and	CCONJ
fbem-29740	90	46	obligations	obligation	NOUN
fbem-29740	90	47	are	be	AUX
fbem-29740	90	48	balanced	balanced	ADJ
fbem-29740	90	49	.	.	PUNCT
fbem-29740	91	1	in	in	ADP
fbem-29740	91	2	the	the	DET
fbem-29740	91	3	legal	legal	ADJ
fbem-29740	91	4	contract	contract	NOUN
fbem-29740	91	5	,	,	PUNCT
fbem-29740	91	6	when	when	SCONJ
fbem-29740	91	7	party	party	NOUN
fbem-29740	91	8	a	a	DET
fbem-29740	91	9	demand	demand	NOUN
fbem-29740	91	10	to	to	PART
fbem-29740	91	11	exercise	exercise	VERB
fbem-29740	91	12	the	the	DET
fbem-29740	91	13	right	right	NOUN
fbem-29740	91	14	,	,	PUNCT
fbem-29740	91	15	party	party	PROPN
fbem-29740	91	16	b	b	PROPN
fbem-29740	91	17	has	have	VERB
fbem-29740	91	18	the	the	DET
fbem-29740	91	19	obligation	obligation	NOUN
fbem-29740	91	20	to	to	PART
fbem-29740	91	21	fulfill	fulfill	VERB
fbem-29740	91	22	the	the	DET
fbem-29740	91	23	contract	contract	NOUN
fbem-29740	91	24	,	,	PUNCT
fbem-29740	91	25	the	the	DET
fbem-29740	91	26	same	same	ADJ
fbem-29740	91	27	party	party	NOUN
fbem-29740	91	28	b	b	NOUN
fbem-29740	91	29	if	if	SCONJ
fbem-29740	91	30	exercise	exercise	VERB
fbem-29740	91	31	the	the	DET
fbem-29740	91	32	right	right	NOUN
fbem-29740	91	33	,	,	PUNCT
fbem-29740	91	34	party	party	NOUN
fbem-29740	91	35	a	a	DET
fbem-29740	91	36	have	have	VERB
fbem-29740	91	37	to	to	PART
fbem-29740	91	38	fulfill	fulfill	VERB
fbem-29740	91	39	the	the	DET
fbem-29740	91	40	obligation	obligation	NOUN
fbem-29740	91	41	,	,	PUNCT
fbem-29740	91	42	so	so	SCONJ
fbem-29740	91	43	the	the	DET
fbem-29740	91	44	two	two	NUM
fbem-29740	91	45	sides	side	NOUN
fbem-29740	91	46	of	of	ADP
fbem-29740	91	47	the	the	DET
fbem-29740	91	48	rights	right	NOUN
fbem-29740	91	49	and	and	CCONJ
fbem-29740	91	50	obligations	obligation	NOUN
fbem-29740	91	51	are	be	AUX
fbem-29740	91	52	equal	equal	ADJ
fbem-29740	91	53	.	.	PUNCT
fbem-29740	92	1	however	however	ADV
fbem-29740	92	2	,	,	PUNCT
fbem-29740	92	3	in	in	ADP
fbem-29740	92	4	the	the	DET
fbem-29740	92	5	deposit	deposit	NOUN
fbem-29740	92	6	insurance	insurance	NOUN
fbem-29740	92	7	system	system	NOUN
fbem-29740	92	8	,	,	PUNCT
fbem-29740	92	9	the	the	DET
fbem-29740	92	10	rights	right	NOUN
fbem-29740	92	11	and	and	CCONJ
fbem-29740	92	12	obligations	obligation	NOUN
fbem-29740	92	13	of	of	ADP
fbem-29740	92	14	the	the	DET
fbem-29740	92	15	two	two	NUM
fbem-29740	92	16	sides	side	NOUN
fbem-29740	92	17	is	be	AUX
fbem-29740	92	18	obviously	obviously	ADV
fbem-29740	92	19	not	not	PART
fbem-29740	92	20	equal	equal	ADJ
fbem-29740	92	21	.	.	PUNCT
fbem-29740	93	1	(	(	PUNCT
fbem-29740	93	2	1	1	X
fbem-29740	93	3	)	)	PUNCT
fbem-29740	93	4	to	to	ADP
fbem-29740	93	5	the	the	DET
fbem-29740	93	6	depositors	depositor	NOUN
fbem-29740	93	7	.	.	PUNCT
fbem-29740	94	1	depositors	depositor	NOUN
fbem-29740	94	2	enjoy	enjoy	VERB
fbem-29740	94	3	more	more	ADJ
fbem-29740	94	4	rights	right	NOUN
fbem-29740	94	5	and	and	CCONJ
fbem-29740	94	6	no	no	DET
fbem-29740	94	7	obligations	obligation	NOUN
fbem-29740	94	8	,	,	PUNCT
fbem-29740	94	9	depositors	depositor	NOUN
fbem-29740	94	10	mainly	mainly	ADV
fbem-29740	94	11	enjoy	enjoy	VERB
fbem-29740	94	12	two	two	NUM
fbem-29740	94	13	rights	right	NOUN
fbem-29740	94	14	.	.	PUNCT
fbem-29740	95	1	the	the	DET
fbem-29740	95	2	first	first	ADJ
fbem-29740	95	3	is	be	AUX
fbem-29740	95	4	the	the	DET
fbem-29740	95	5	right	right	NOUN
fbem-29740	95	6	to	to	PART
fbem-29740	95	7	request	request	VERB
fbem-29740	95	8	the	the	DET
fbem-29740	95	9	deposit	deposit	NOUN
fbem-29740	95	10	insurance	insurance	NOUN
fbem-29740	95	11	company	company	NOUN
fbem-29740	95	12	to	to	PART
fbem-29740	95	13	pay	pay	VERB
fbem-29740	95	14	out	out	ADP
fbem-29740	95	15	when	when	SCONJ
fbem-29740	95	16	the	the	DET
fbem-29740	95	17	bank	bank	NOUN
fbem-29740	95	18	fails	fail	VERB
fbem-29740	95	19	,	,	PUNCT
fbem-29740	95	20	the	the	DET
fbem-29740	95	21	second	second	NOUN
fbem-29740	95	22	is	be	AUX
fbem-29740	95	23	the	the	DET
fbem-29740	95	24	right	right	NOUN
fbem-29740	95	25	to	to	PART
fbem-29740	95	26	supervise	supervise	VERB
fbem-29740	95	27	the	the	DET
fbem-29740	95	28	deposit	deposit	NOUN
fbem-29740	95	29	bank	bank	NOUN
fbem-29740	95	30	to	to	PART
fbem-29740	95	31	see	see	VERB
fbem-29740	95	32	if	if	SCONJ
fbem-29740	95	33	there	there	PRON
fbem-29740	95	34	is	be	VERB
fbem-29740	95	35	any	any	DET
fbem-29740	95	36	high	high	ADJ
fbem-29740	95	37	-	-	PUNCT
fbem-29740	95	38	risk	risk	NOUN
fbem-29740	95	39	investment	investment	NOUN
fbem-29740	95	40	behavior	behavior	NOUN
fbem-29740	95	41	,	,	PUNCT
fbem-29740	95	42	but	but	CCONJ
fbem-29740	95	43	this	this	DET
fbem-29740	95	44	second	second	ADJ
fbem-29740	95	45	right	right	NOUN
fbem-29740	95	46	is	be	AUX
fbem-29740	95	47	difficult	difficult	ADJ
fbem-29740	95	48	to	to	PART
fbem-29740	95	49	realize	realize	VERB
fbem-29740	95	50	,	,	PUNCT
fbem-29740	95	51	mainly	mainly	ADV
fbem-29740	95	52	because	because	SCONJ
fbem-29740	95	53	of	of	ADP
fbem-29740	95	54	the	the	DET
fbem-29740	95	55	information	information	NOUN
fbem-29740	95	56	asymmetry	asymmetry	NOUN
fbem-29740	95	57	between	between	ADP
fbem-29740	95	58	the	the	DET
fbem-29740	95	59	two	two	NUM
fbem-29740	95	60	sides	side	NOUN
fbem-29740	95	61	is	be	AUX
fbem-29740	95	62	too	too	ADV
fbem-29740	95	63	serious	serious	ADJ
fbem-29740	95	64	,	,	PUNCT
fbem-29740	95	65	the	the	DET
fbem-29740	95	66	depositors	depositor	NOUN
fbem-29740	95	67	want	want	VERB
fbem-29740	95	68	to	to	PART
fbem-29740	95	69	supervise	supervise	VERB
fbem-29740	95	70	the	the	DET
fbem-29740	95	71	bank	bank	NOUN
fbem-29740	95	72	behavior	behavior	NOUN
fbem-29740	95	73	there	there	PRON
fbem-29740	95	74	is	be	VERB
fbem-29740	95	75	no	no	DET
fbem-29740	95	76	direct	direct	ADJ
fbem-29740	95	77	and	and	CCONJ
fbem-29740	95	78	powerful	powerful	ADJ
fbem-29740	95	79	channel	channel	NOUN
fbem-29740	95	80	,	,	PUNCT
fbem-29740	95	81	and	and	CCONJ
fbem-29740	95	82	the	the	DET
fbem-29740	95	83	depositors	depositor	NOUN
fbem-29740	95	84	ca	can	AUX
fbem-29740	95	85	n't	not	PART
fbem-29740	95	86	investigate	investigate	VERB
fbem-29740	95	87	the	the	DET
fbem-29740	95	88	internal	internal	ADJ
fbem-29740	95	89	capital	capital	NOUN
fbem-29740	95	90	status	status	NOUN
fbem-29740	95	91	of	of	ADP
fbem-29740	95	92	the	the	DET
fbem-29740	95	93	bank	bank	NOUN
fbem-29740	95	94	,	,	PUNCT
fbem-29740	95	95	so	so	SCONJ
fbem-29740	95	96	the	the	DET
fbem-29740	95	97	depositors	depositor	NOUN
fbem-29740	95	98	almost	almost	ADV
fbem-29740	95	99	ca	can	AUX
fbem-29740	95	100	n't	not	PART
fbem-29740	95	101	implement	implement	VERB
fbem-29740	95	102	the	the	DET
fbem-29740	95	103	second	second	ADJ
fbem-29740	95	104	right	right	NOUN
fbem-29740	95	105	.	.	PUNCT
fbem-29740	96	1	rights	right	NOUN
fbem-29740	96	2	,	,	PUNCT
fbem-29740	96	3	resulting	result	VERB
fbem-29740	96	4	in	in	ADP
fbem-29740	96	5	a	a	DET
fbem-29740	96	6	state	state	NOUN
fbem-29740	96	7	of	of	ADP
fbem-29740	96	8	unequal	unequal	ADJ
fbem-29740	96	9	rights	right	NOUN
fbem-29740	96	10	and	and	CCONJ
fbem-29740	96	11	obligations	obligation	NOUN
fbem-29740	96	12	.	.	PUNCT
fbem-29740	97	1	(	(	PUNCT
fbem-29740	97	2	2	2	X
fbem-29740	97	3	)	)	PUNCT
fbem-29740	97	4	for	for	ADP
fbem-29740	97	5	the	the	DET
fbem-29740	97	6	deposit	deposit	NOUN
fbem-29740	97	7	insurance	insurance	NOUN
fbem-29740	97	8	organization	organization	NOUN
fbem-29740	97	9	.	.	PUNCT
fbem-29740	98	1	it	it	PRON
fbem-29740	98	2	holds	hold	VERB
fbem-29740	98	3	a	a	DET
fbem-29740	98	4	lot	lot	NOUN
fbem-29740	98	5	of	of	ADP
fbem-29740	98	6	rights	right	NOUN
fbem-29740	98	7	,	,	PUNCT
fbem-29740	98	8	such	such	ADJ
fbem-29740	98	9	as	as	ADP
fbem-29740	98	10	setting	set	VERB
fbem-29740	98	11	deposit	deposit	NOUN
fbem-29740	98	12	insurance	insurance	NOUN
fbem-29740	98	13	rates	rate	NOUN
fbem-29740	98	14	,	,	PUNCT
fbem-29740	98	15	issuing	issue	VERB
fbem-29740	98	16	risk	risk	NOUN
fbem-29740	98	17	warnings	warning	NOUN
fbem-29740	98	18	,	,	PUNCT
fbem-29740	98	19	requiring	require	VERB
fbem-29740	98	20	supervised	supervised	ADJ
fbem-29740	98	21	institutions	institution	NOUN
fbem-29740	98	22	to	to	PART
fbem-29740	98	23	submit	submit	VERB
fbem-29740	98	24	financial	financial	ADJ
fbem-29740	98	25	reports	report	NOUN
fbem-29740	98	26	and	and	CCONJ
fbem-29740	98	27	keeping	keep	VERB
fbem-29740	98	28	premiums	premium	NOUN
fbem-29740	98	29	,	,	PUNCT
fbem-29740	98	30	but	but	CCONJ
fbem-29740	98	31	at	at	ADP
fbem-29740	98	32	the	the	DET
fbem-29740	98	33	same	same	ADJ
fbem-29740	98	34	time	time	NOUN
fbem-29740	98	35	there	there	PRON
fbem-29740	98	36	is	be	VERB
fbem-29740	98	37	no	no	DET
fbem-29740	98	38	other	other	ADJ
fbem-29740	98	39	supervisory	supervisory	ADJ
fbem-29740	98	40	body	body	NOUN
fbem-29740	98	41	to	to	PART
fbem-29740	98	42	supervise	supervise	VERB
fbem-29740	98	43	it	it	PRON
fbem-29740	98	44	,	,	PUNCT
fbem-29740	98	45	which	which	PRON
fbem-29740	98	46	may	may	AUX
fbem-29740	98	47	occur	occur	VERB
fbem-29740	98	48	similar	similar	ADJ
fbem-29740	98	49	to	to	ADP
fbem-29740	98	50	the	the	DET
fbem-29740	98	51	case	case	NOUN
fbem-29740	98	52	of	of	ADP
fbem-29740	98	53	stock	stock	NOUN
fbem-29740	98	54	rating	rating	NOUN
fbem-29740	98	55	agency	agency	NOUN
fbem-29740	98	56	forgery	forgery	NOUN
fbem-29740	98	57	,	,	PUNCT
fbem-29740	98	58	and	and	CCONJ
fbem-29740	98	59	this	this	DET
fbem-29740	98	60	kind	kind	NOUN
fbem-29740	98	61	of	of	ADP
fbem-29740	98	62	supervisory	supervisory	ADJ
fbem-29740	98	63	body	body	NOUN
fbem-29740	98	64	,	,	PUNCT
fbem-29740	98	65	because	because	SCONJ
fbem-29740	98	66	of	of	ADP
fbem-29740	98	67	the	the	DET
fbem-29740	98	68	lack	lack	NOUN
fbem-29740	98	69	of	of	ADP
fbem-29740	98	70	constraints	constraint	NOUN
fbem-29740	98	71	,	,	PUNCT
fbem-29740	98	72	out	out	ADP
fbem-29740	98	73	of	of	ADP
fbem-29740	98	74	the	the	DET
fbem-29740	98	75	temptation	temptation	NOUN
fbem-29740	98	76	of	of	ADP
fbem-29740	98	77	their	their	PRON
fbem-29740	98	78	own	own	ADJ
fbem-29740	98	79	interests	interest	NOUN
fbem-29740	98	80	,	,	PUNCT
fbem-29740	98	81	may	may	AUX
fbem-29740	98	82	be	be	AUX
fbem-29740	98	83	colluding	collude	VERB
fbem-29740	98	84	with	with	ADP
fbem-29740	98	85	the	the	DET
fbem-29740	98	86	supervised	supervised	ADJ
fbem-29740	98	87	sector	sector	NOUN
fbem-29740	98	88	that	that	PRON
fbem-29740	98	89	cause	cause	VERB
fbem-29740	98	90	bad	bad	ADJ
fbem-29740	98	91	social	social	ADJ
fbem-29740	98	92	impact	impact	NOUN
fbem-29740	98	93	.	.	PUNCT
fbem-29740	99	1	(	(	PUNCT
fbem-29740	99	2	3	3	X
fbem-29740	99	3	)	)	PUNCT
fbem-29740	99	4	for	for	ADP
fbem-29740	99	5	the	the	DET
fbem-29740	99	6	regulated	regulated	ADJ
fbem-29740	99	7	organization	organization	NOUN
fbem-29740	99	8	.	.	PUNCT
fbem-29740	100	1	banks	bank	NOUN
fbem-29740	100	2	mainly	mainly	ADV
fbem-29740	100	3	bear	bear	VERB
fbem-29740	100	4	a	a	DET
fbem-29740	100	5	lot	lot	NOUN
fbem-29740	100	6	of	of	ADP
fbem-29740	100	7	obligations	obligation	NOUN
fbem-29740	100	8	and	and	CCONJ
fbem-29740	100	9	seldom	seldom	ADV
fbem-29740	100	10	have	have	VERB
fbem-29740	100	11	rights	right	NOUN
fbem-29740	100	12	,	,	PUNCT
fbem-29740	100	13	such	such	ADJ
fbem-29740	100	14	as	as	ADP
fbem-29740	100	15	the	the	DET
fbem-29740	100	16	regulated	regulated	ADJ
fbem-29740	100	17	institutions	institution	NOUN
fbem-29740	100	18	need	need	VERB
fbem-29740	100	19	to	to	PART
fbem-29740	100	20	be	be	AUX
fbem-29740	100	21	regularly	regularly	ADV
fbem-29740	100	22	supervised	supervise	VERB
fbem-29740	100	23	by	by	ADP
fbem-29740	100	24	the	the	DET
fbem-29740	100	25	watchdog	watchdog	NOUN
fbem-29740	100	26	,	,	PUNCT
fbem-29740	100	27	pay	pay	VERB
fbem-29740	100	28	premiums	premium	NOUN
fbem-29740	100	29	,	,	PUNCT
fbem-29740	100	30	and	and	CCONJ
fbem-29740	100	31	maintain	maintain	VERB
fbem-29740	100	32	low	low	ADJ
fbem-29740	100	33	-	-	PUNCT
fbem-29740	100	34	risk	risk	NOUN
fbem-29740	100	35	investments	investment	NOUN
fbem-29740	100	36	as	as	ADV
fbem-29740	100	37	much	much	ADV
fbem-29740	100	38	as	as	ADP
fbem-29740	100	39	possible	possible	ADJ
fbem-29740	100	40	,	,	PUNCT
fbem-29740	100	41	etc	etc	X
fbem-29740	100	42	.	.	X
fbem-29740	101	1	however	however	ADV
fbem-29740	101	2	,	,	PUNCT
fbem-29740	101	3	from	from	ADP
fbem-29740	101	4	the	the	DET
fbem-29740	101	5	bank	bank	NOUN
fbem-29740	101	6	's	's	PART
fbem-29740	101	7	point	point	NOUN
fbem-29740	101	8	of	of	ADP
fbem-29740	101	9	view	view	NOUN
fbem-29740	101	10	,	,	PUNCT
fbem-29740	101	11	it	it	PRON
fbem-29740	101	12	is	be	AUX
fbem-29740	101	13	inevitable	inevitable	ADJ
fbem-29740	101	14	that	that	SCONJ
fbem-29740	101	15	it	it	PRON
fbem-29740	101	16	will	will	AUX
fbem-29740	101	17	be	be	AUX
fbem-29740	101	18	rebellious	rebellious	ADJ
fbem-29740	101	19	if	if	SCONJ
fbem-29740	101	20	it	it	PRON
fbem-29740	101	21	bears	bear	VERB
fbem-29740	101	22	so	so	ADV
fbem-29740	101	23	many	many	ADJ
fbem-29740	101	24	obligations	obligation	NOUN
fbem-29740	101	25	but	but	CCONJ
fbem-29740	101	26	has	have	VERB
fbem-29740	101	27	no	no	DET
fbem-29740	101	28	rights	right	NOUN
fbem-29740	101	29	,	,	PUNCT
fbem-29740	101	30	so	so	SCONJ
fbem-29740	101	31	it	it	PRON
fbem-29740	101	32	will	will	AUX
fbem-29740	101	33	be	be	AUX
fbem-29740	101	34	more	more	ADV
fbem-29740	101	35	probable	probable	ADJ
fbem-29740	101	36	that	that	SCONJ
fbem-29740	101	37	the	the	DET
fbem-29740	101	38	bank	bank	NOUN
fbem-29740	101	39	will	will	AUX
fbem-29740	101	40	risk	risk	VERB
fbem-29740	101	41	a	a	DET
fbem-29740	101	42	high	high	ADJ
fbem-29740	101	43	level	level	NOUN
fbem-29740	101	44	of	of	ADP
fbem-29740	101	45	risk	risk	NOUN
fbem-29740	101	46	to	to	PART
fbem-29740	101	47	obtain	obtain	VERB
fbem-29740	101	48	a	a	DET
fbem-29740	101	49	high	high	ADJ
fbem-29740	101	50	return	return	NOUN
fbem-29740	101	51	,	,	PUNCT
fbem-29740	101	52	and	and	CCONJ
fbem-29740	101	53	the	the	DET
fbem-29740	101	54	bank	bank	NOUN
fbem-29740	101	55	does	do	AUX
fbem-29740	101	56	n't	not	PART
fbem-29740	101	57	need	need	VERB
fbem-29740	101	58	to	to	PART
fbem-29740	101	59	pay	pay	VERB
fbem-29740	101	60	the	the	DET
fbem-29740	101	61	price	price	NOUN
fbem-29740	101	62	for	for	ADP
fbem-29740	101	63	its	its	PRON
fbem-29740	101	64	own	own	ADJ
fbem-29740	101	65	the	the	DET
fbem-29740	101	66	bank	bank	NOUN
fbem-29740	101	67	does	do	AUX
fbem-29740	101	68	not	not	PART
fbem-29740	101	69	have	have	VERB
fbem-29740	101	70	to	to	PART
fbem-29740	101	71	pay	pay	VERB
fbem-29740	101	72	for	for	ADP
fbem-29740	101	73	its	its	PRON
fbem-29740	101	74	risky	risky	ADJ
fbem-29740	101	75	behavior	behavior	NOUN
fbem-29740	101	76	because	because	SCONJ
fbem-29740	101	77	the	the	DET
fbem-29740	101	78	deposit	deposit	NOUN
fbem-29740	101	79	insurance	insurance	NOUN
fbem-29740	101	80	agency	agency	NOUN
fbem-29740	101	81	will	will	AUX
fbem-29740	101	82	provide	provide	VERB
fbem-29740	101	83	funds	fund	NOUN
fbem-29740	101	84	to	to	PART
fbem-29740	101	85	help	help	VERB
fbem-29740	101	86	it	it	PRON
fbem-29740	101	87	out	out	ADP
fbem-29740	101	88	of	of	ADP
fbem-29740	101	89	its	its	PRON
fbem-29740	101	90	predicament	predicament	NOUN
fbem-29740	101	91	.	.	PUNCT
fbem-29740	102	1	3.2	3.2	NUM
fbem-29740	102	2	.	.	PUNCT
fbem-29740	102	3	impact	impact	NOUN
fbem-29740	102	4	of	of	ADP
fbem-29740	102	5	the	the	DET
fbem-29740	102	6	deposit	deposit	NOUN
fbem-29740	102	7	insurance	insurance	NOUN
fbem-29740	102	8	system	system	NOUN
fbem-29740	102	9	on	on	ADP
fbem-29740	102	10	moral	moral	ADJ
fbem-29740	102	11	hazard	hazard	NOUN
fbem-29740	102	12	3.2.1	3.2.1	NUM
fbem-29740	102	13	.	.	PUNCT
fbem-29740	103	1	impact	impact	NOUN
fbem-29740	103	2	on	on	ADP
fbem-29740	103	3	moral	moral	ADJ
fbem-29740	103	4	hazard	hazard	NOUN
fbem-29740	103	5	issues	issue	NOUN
fbem-29740	103	6	in	in	ADP
fbem-29740	103	7	terms	term	NOUN
fbem-29740	103	8	of	of	ADP
fbem-29740	103	9	payout	payout	ADJ
fbem-29740	103	10	ceilings	ceiling	NOUN
fbem-29740	103	11	the	the	DET
fbem-29740	103	12	maximum	maximum	ADJ
fbem-29740	103	13	payout	payout	NOUN
fbem-29740	103	14	limit	limit	NOUN
fbem-29740	103	15	in	in	ADP
fbem-29740	103	16	china	china	PROPN
fbem-29740	103	17	is	be	AUX
fbem-29740	103	18	about	about	ADV
fbem-29740	103	19	5.8	5.8	NUM
fbem-29740	103	20	times	time	NOUN
fbem-29740	103	21	the	the	DET
fbem-29740	103	22	gdp	gdp	NOUN
fbem-29740	103	23	per	per	ADP
fbem-29740	103	24	capita	capita	NOUN
fbem-29740	103	25	,	,	PUNCT
fbem-29740	103	26	which	which	PRON
fbem-29740	103	27	is	be	AUX
fbem-29740	103	28	still	still	ADV
fbem-29740	103	29	relatively	relatively	ADV
fbem-29740	103	30	high	high	ADJ
fbem-29740	103	31	compared	compare	VERB
fbem-29740	103	32	to	to	ADP
fbem-29740	103	33	countries	country	NOUN
fbem-29740	103	34	and	and	CCONJ
fbem-29740	103	35	regions	region	NOUN
fbem-29740	103	36	in	in	ADP
fbem-29740	103	37	the	the	DET
fbem-29740	103	38	world	world	NOUN
fbem-29740	103	39	.	.	PUNCT
fbem-29740	104	1	under	under	ADP
fbem-29740	104	2	such	such	ADJ
fbem-29740	104	3	conditions	condition	NOUN
fbem-29740	104	4	,	,	PUNCT
fbem-29740	104	5	depositors	depositor	NOUN
fbem-29740	104	6	with	with	ADP
fbem-29740	104	7	smaller	small	ADJ
fbem-29740	104	8	deposits	deposit	NOUN
fbem-29740	104	9	have	have	VERB
fbem-29740	104	10	little	little	ADJ
fbem-29740	104	11	incentive	incentive	NOUN
fbem-29740	104	12	to	to	PART
fbem-29740	104	13	supervise	supervise	VERB
fbem-29740	104	14	whether	whether	SCONJ
fbem-29740	104	15	the	the	DET
fbem-29740	104	16	bank	bank	NOUN
fbem-29740	104	17	has	have	AUX
fbem-29740	104	18	made	make	VERB
fbem-29740	104	19	risky	risky	ADJ
fbem-29740	104	20	investments	investment	NOUN
fbem-29740	104	21	or	or	CCONJ
fbem-29740	104	22	not	not	PART
fbem-29740	104	23	,	,	PUNCT
fbem-29740	104	24	because	because	SCONJ
fbem-29740	104	25	there	there	PRON
fbem-29740	104	26	are	be	VERB
fbem-29740	104	27	relevant	relevant	ADJ
fbem-29740	104	28	supervisory	supervisory	ADJ
fbem-29740	104	29	authorities	authority	NOUN
fbem-29740	104	30	to	to	PART
fbem-29740	104	31	supervise	supervise	VERB
fbem-29740	104	32	the	the	DET
fbem-29740	104	33	bank	bank	NOUN
fbem-29740	104	34	and	and	CCONJ
fbem-29740	104	35	because	because	SCONJ
fbem-29740	104	36	their	their	PRON
fbem-29740	104	37	deposits	deposit	NOUN
fbem-29740	104	38	can	can	AUX
fbem-29740	104	39	be	be	AUX
fbem-29740	104	40	paid	pay	VERB
fbem-29740	104	41	out	out	ADP
fbem-29740	104	42	in	in	ADP
fbem-29740	104	43	the	the	DET
fbem-29740	104	44	event	event	NOUN
fbem-29740	104	45	of	of	ADP
fbem-29740	104	46	a	a	DET
fbem-29740	104	47	bank	bank	NOUN
fbem-29740	104	48	's	's	PART
fbem-29740	104	49	bankruptcy	bankruptcy	NOUN
fbem-29740	104	50	,	,	PUNCT
fbem-29740	104	51	so	so	CCONJ
fbem-29740	104	52	such	such	ADJ
fbem-29740	104	53	small	small	ADJ
fbem-29740	104	54	depositors	depositor	NOUN
fbem-29740	104	55	will	will	AUX
fbem-29740	104	56	not	not	PART
fbem-29740	104	57	contribute	contribute	VERB
fbem-29740	104	58	in	in	ADP
fbem-29740	104	59	supervising	supervising	NOUN
fbem-29740	104	60	and	and	CCONJ
fbem-29740	104	61	monitoring	monitor	VERB
fbem-29740	104	62	the	the	DET
fbem-29740	104	63	behavior	behavior	NOUN
fbem-29740	104	64	of	of	ADP
fbem-29740	104	65	the	the	DET
fbem-29740	104	66	bank	bank	NOUN
fbem-29740	104	67	.	.	PUNCT
fbem-29740	105	1	however	however	ADV
fbem-29740	105	2	,	,	PUNCT
fbem-29740	105	3	for	for	ADP
fbem-29740	105	4	the	the	DET
fbem-29740	105	5	large	large	ADJ
fbem-29740	105	6	depositors	depositor	NOUN
fbem-29740	105	7	of	of	ADP
fbem-29740	105	8	banks	bank	NOUN
fbem-29740	105	9	,	,	PUNCT
fbem-29740	105	10	they	they	PRON
fbem-29740	105	11	are	be	AUX
fbem-29740	105	12	well	well	ADV
fbem-29740	105	13	-	-	PUNCT
fbem-29740	105	14	funded	fund	VERB
fbem-29740	105	15	and	and	CCONJ
fbem-29740	105	16	have	have	VERB
fbem-29740	105	17	great	great	ADJ
fbem-29740	105	18	incentives	incentive	NOUN
fbem-29740	105	19	to	to	PART
fbem-29740	105	20	supervise	supervise	VERB
fbem-29740	105	21	banks	bank	NOUN
fbem-29740	105	22	,	,	PUNCT
fbem-29740	105	23	and	and	CCONJ
fbem-29740	105	24	in	in	ADP
fbem-29740	105	25	terms	term	NOUN
fbem-29740	105	26	of	of	ADP
fbem-29740	105	27	access	access	NOUN
fbem-29740	105	28	to	to	ADP
fbem-29740	105	29	information	information	NOUN
fbem-29740	105	30	,	,	PUNCT
fbem-29740	105	31	they	they	PRON
fbem-29740	105	32	have	have	VERB
fbem-29740	105	33	wider	wide	ADJ
fbem-29740	105	34	access	access	NOUN
fbem-29740	105	35	,	,	PUNCT
fbem-29740	105	36	thus	thus	ADV
fbem-29740	105	37	the	the	DET
fbem-29740	105	38	market	market	NOUN
fbem-29740	105	39	discipline	discipline	NOUN
fbem-29740	105	40	of	of	ADP
fbem-29740	105	41	banks	bank	NOUN
fbem-29740	105	42	mainly	mainly	ADV
fbem-29740	105	43	relies	rely	VERB
fbem-29740	105	44	on	on	ADP
fbem-29740	105	45	large	large	ADJ
fbem-29740	105	46	depositors	depositor	NOUN
fbem-29740	105	47	.	.	PUNCT
fbem-29740	106	1	however	however	ADV
fbem-29740	106	2	,	,	PUNCT
fbem-29740	106	3	since	since	SCONJ
fbem-29740	106	4	the	the	DET
fbem-29740	106	5	maximum	maximum	ADJ
fbem-29740	106	6	payout	payout	NOUN
fbem-29740	106	7	limit	limit	NOUN
fbem-29740	106	8	is	be	AUX
fbem-29740	106	9	rmb	rmb	NOUN
fbem-29740	106	10	500,000	500,000	NUM
fbem-29740	106	11	,	,	PUNCT
fbem-29740	106	12	which	which	PRON
fbem-29740	106	13	is	be	AUX
fbem-29740	106	14	a	a	DET
fbem-29740	106	15	very	very	ADV
fbem-29740	106	16	small	small	ADJ
fbem-29740	106	17	amount	amount	NOUN
fbem-29740	106	18	for	for	ADP
fbem-29740	106	19	large	large	ADJ
fbem-29740	106	20	depositors	depositor	NOUN
fbem-29740	106	21	,	,	PUNCT
fbem-29740	106	22	they	they	PRON
fbem-29740	106	23	are	be	AUX
fbem-29740	106	24	more	more	ADV
fbem-29740	106	25	likely	likely	ADJ
fbem-29740	106	26	to	to	PART
fbem-29740	106	27	be	be	AUX
fbem-29740	106	28	concerned	concern	VERB
fbem-29740	106	29	about	about	ADP
fbem-29740	106	30	whether	whether	SCONJ
fbem-29740	106	31	the	the	DET
fbem-29740	106	32	bank	bank	NOUN
fbem-29740	106	33	has	have	AUX
fbem-29740	106	34	an	an	DET
fbem-29740	106	35	incentive	incentive	NOUN
fbem-29740	106	36	to	to	PART
fbem-29740	106	37	make	make	VERB
fbem-29740	106	38	risky	risky	ADJ
fbem-29740	106	39	investments	investment	NOUN
fbem-29740	106	40	.	.	PUNCT
fbem-29740	107	1	after	after	ADV
fbem-29740	107	2	all	all	ADV
fbem-29740	107	3	,	,	PUNCT
fbem-29740	107	4	if	if	SCONJ
fbem-29740	107	5	the	the	DET
fbem-29740	107	6	bank	bank	NOUN
fbem-29740	107	7	has	have	VERB
fbem-29740	107	8	a	a	DET
fbem-29740	107	9	moral	moral	ADJ
fbem-29740	107	10	hazard	hazard	NOUN
fbem-29740	107	11	problem	problem	NOUN
fbem-29740	107	12	,	,	PUNCT
fbem-29740	107	13	the	the	DET
fbem-29740	107	14	large	large	ADJ
fbem-29740	107	15	depositors	depositor	NOUN
fbem-29740	107	16	will	will	AUX
fbem-29740	107	17	suffer	suffer	VERB
fbem-29740	107	18	a	a	DET
fbem-29740	107	19	greater	great	ADJ
fbem-29740	107	20	loss	loss	NOUN
fbem-29740	107	21	of	of	ADP
fbem-29740	107	22	their	their	PRON
fbem-29740	107	23	assets	asset	NOUN
fbem-29740	107	24	compared	compare	VERB
fbem-29740	107	25	to	to	ADP
fbem-29740	107	26	other	other	ADJ
fbem-29740	107	27	depositors	depositor	NOUN
fbem-29740	107	28	.	.	PUNCT
fbem-29740	108	1	therefore	therefore	ADV
fbem-29740	108	2	,	,	PUNCT
fbem-29740	108	3	in	in	ADP
fbem-29740	108	4	terms	term	NOUN
fbem-29740	108	5	of	of	ADP
fbem-29740	108	6	the	the	DET
fbem-29740	108	7	maximum	maximum	ADJ
fbem-29740	108	8	payout	payout	NOUN
fbem-29740	108	9	limit	limit	NOUN
fbem-29740	108	10	of	of	ADP
fbem-29740	108	11	the	the	DET
fbem-29740	108	12	deposit	deposit	NOUN
fbem-29740	108	13	insurance	insurance	NOUN
fbem-29740	108	14	system	system	NOUN
fbem-29740	108	15	,	,	PUNCT
fbem-29740	108	16	the	the	DET
fbem-29740	108	17	level	level	NOUN
fbem-29740	108	18	of	of	ADP
fbem-29740	108	19	the	the	DET
fbem-29740	108	20	limit	limit	NOUN
fbem-29740	108	21	will	will	AUX
fbem-29740	108	22	have	have	VERB
fbem-29740	108	23	a	a	DET
fbem-29740	108	24	direct	direct	ADJ
fbem-29740	108	25	impact	impact	NOUN
fbem-29740	108	26	on	on	ADP
fbem-29740	108	27	the	the	DET
fbem-29740	108	28	behavior	behavior	NOUN
fbem-29740	108	29	of	of	ADP
fbem-29740	108	30	large	large	ADJ
fbem-29740	108	31	depositors	depositor	NOUN
fbem-29740	108	32	on	on	ADP
fbem-29740	108	33	the	the	DET
fbem-29740	108	34	market	market	NOUN
fbem-29740	108	35	restraint	restraint	NOUN
fbem-29740	108	36	,	,	PUNCT
fbem-29740	108	37	and	and	CCONJ
fbem-29740	108	38	thus	thus	ADV
fbem-29740	108	39	have	have	VERB
fbem-29740	108	40	an	an	DET
fbem-29740	108	41	impact	impact	NOUN
fbem-29740	108	42	on	on	ADP
fbem-29740	108	43	the	the	DET
fbem-29740	108	44	moral	moral	ADJ
fbem-29740	108	45	hazard	hazard	NOUN
fbem-29740	108	46	problem	problem	NOUN
fbem-29740	108	47	.	.	PUNCT
fbem-29740	109	1	243	243	NUM
fbem-29740	109	2	3.2.2	3.2.2	NUM
fbem-29740	109	3	.	.	PUNCT
fbem-29740	109	4	impact	impact	NOUN
fbem-29740	109	5	on	on	ADP
fbem-29740	109	6	moral	moral	ADJ
fbem-29740	109	7	hazard	hazard	NOUN
fbem-29740	109	8	issues	issue	NOUN
fbem-29740	109	9	in	in	ADP
fbem-29740	109	10	the	the	DET
fbem-29740	109	11	context	context	NOUN
fbem-29740	109	12	of	of	ADP
fbem-29740	109	13	differential	differential	ADJ
fbem-29740	109	14	rates	rate	NOUN
fbem-29740	109	15	for	for	ADP
fbem-29740	109	16	risk	risk	NOUN
fbem-29740	109	17	china	china	PROPN
fbem-29740	109	18	's	's	PART
fbem-29740	109	19	deposit	deposit	NOUN
fbem-29740	109	20	insurance	insurance	NOUN
fbem-29740	109	21	rates	rate	NOUN
fbem-29740	109	22	consist	consist	VERB
fbem-29740	109	23	of	of	ADP
fbem-29740	109	24	fixed	fix	VERB
fbem-29740	109	25	rates	rate	NOUN
fbem-29740	109	26	and	and	CCONJ
fbem-29740	109	27	risk	risk	NOUN
fbem-29740	109	28	-	-	PUNCT
fbem-29740	109	29	differentiated	differentiate	VERB
fbem-29740	109	30	rates	rate	NOUN
fbem-29740	109	31	.	.	PUNCT
fbem-29740	110	1	fixed	fix	VERB
fbem-29740	110	2	rates	rate	NOUN
fbem-29740	110	3	mean	mean	VERB
fbem-29740	110	4	that	that	SCONJ
fbem-29740	110	5	all	all	DET
fbem-29740	110	6	financial	financial	ADJ
fbem-29740	110	7	institutions	institution	NOUN
fbem-29740	110	8	pay	pay	VERB
fbem-29740	110	9	premiums	premium	NOUN
fbem-29740	110	10	to	to	ADP
fbem-29740	110	11	the	the	DET
fbem-29740	110	12	dic	dic	NOUN
fbem-29740	110	13	at	at	ADP
fbem-29740	110	14	a	a	DET
fbem-29740	110	15	fixed	fix	VERB
fbem-29740	110	16	rate	rate	NOUN
fbem-29740	110	17	,	,	PUNCT
fbem-29740	110	18	regardless	regardless	ADV
fbem-29740	110	19	of	of	ADP
fbem-29740	110	20	the	the	DET
fbem-29740	110	21	bank	bank	NOUN
fbem-29740	110	22	's	's	PART
fbem-29740	110	23	risk	risk	NOUN
fbem-29740	110	24	rating	rating	NOUN
fbem-29740	110	25	.	.	PUNCT
fbem-29740	111	1	risk	risk	NOUN
fbem-29740	111	2	-	-	PUNCT
fbem-29740	111	3	differential	differential	NOUN
fbem-29740	111	4	rates	rate	NOUN
fbem-29740	111	5	mean	mean	VERB
fbem-29740	111	6	that	that	SCONJ
fbem-29740	111	7	premiums	premium	NOUN
fbem-29740	111	8	are	be	AUX
fbem-29740	111	9	charged	charge	VERB
fbem-29740	111	10	differently	differently	ADV
fbem-29740	111	11	to	to	ADP
fbem-29740	111	12	different	different	ADJ
fbem-29740	111	13	banks	bank	NOUN
fbem-29740	111	14	according	accord	VERB
fbem-29740	111	15	to	to	ADP
fbem-29740	111	16	their	their	PRON
fbem-29740	111	17	risk	risk	NOUN
fbem-29740	111	18	ratings	rating	NOUN
fbem-29740	111	19	,	,	PUNCT
fbem-29740	111	20	e.g.	e.g.	ADV
fbem-29740	111	21	,	,	PUNCT
fbem-29740	111	22	higher	high	ADJ
fbem-29740	111	23	rates	rate	NOUN
fbem-29740	111	24	are	be	AUX
fbem-29740	111	25	charged	charge	VERB
fbem-29740	111	26	to	to	ADP
fbem-29740	111	27	institutions	institution	NOUN
fbem-29740	111	28	with	with	ADP
fbem-29740	111	29	high	high	ADJ
fbem-29740	111	30	risk	risk	NOUN
fbem-29740	111	31	ratings	rating	NOUN
fbem-29740	111	32	,	,	PUNCT
fbem-29740	111	33	and	and	CCONJ
fbem-29740	111	34	lower	low	ADJ
fbem-29740	111	35	rates	rate	NOUN
fbem-29740	111	36	are	be	AUX
fbem-29740	111	37	charged	charge	VERB
fbem-29740	111	38	to	to	ADP
fbem-29740	111	39	enterprises	enterprise	NOUN
fbem-29740	111	40	with	with	ADP
fbem-29740	111	41	low	low	ADJ
fbem-29740	111	42	risk	risk	NOUN
fbem-29740	111	43	ratings	rating	NOUN
fbem-29740	111	44	.	.	PUNCT
fbem-29740	112	1	on	on	ADP
fbem-29740	112	2	a	a	DET
fbem-29740	112	3	macro	macro	ADJ
fbem-29740	112	4	level	level	NOUN
fbem-29740	112	5	,	,	PUNCT
fbem-29740	112	6	the	the	DET
fbem-29740	112	7	formulation	formulation	NOUN
fbem-29740	112	8	and	and	CCONJ
fbem-29740	112	9	implementation	implementation	NOUN
fbem-29740	112	10	of	of	ADP
fbem-29740	112	11	fixed	fix	VERB
fbem-29740	112	12	rates	rate	NOUN
fbem-29740	112	13	are	be	AUX
fbem-29740	112	14	relatively	relatively	ADV
fbem-29740	112	15	simple	simple	ADJ
fbem-29740	112	16	,	,	PUNCT
fbem-29740	112	17	and	and	CCONJ
fbem-29740	112	18	the	the	DET
fbem-29740	112	19	formulation	formulation	NOUN
fbem-29740	112	20	and	and	CCONJ
fbem-29740	112	21	implementation	implementation	NOUN
fbem-29740	112	22	of	of	ADP
fbem-29740	112	23	risk	risk	NOUN
fbem-29740	112	24	differential	differential	NOUN
fbem-29740	112	25	rates	rate	NOUN
fbem-29740	112	26	are	be	AUX
fbem-29740	112	27	more	more	ADV
fbem-29740	112	28	complicated	complicated	ADJ
fbem-29740	112	29	,	,	PUNCT
fbem-29740	112	30	but	but	CCONJ
fbem-29740	112	31	if	if	SCONJ
fbem-29740	112	32	fixed	fix	VERB
fbem-29740	112	33	rates	rate	NOUN
fbem-29740	112	34	are	be	AUX
fbem-29740	112	35	implemented	implement	VERB
fbem-29740	112	36	,	,	PUNCT
fbem-29740	112	37	no	no	ADV
fbem-29740	112	38	matter	matter	ADV
fbem-29740	112	39	what	what	DET
fbem-29740	112	40	kind	kind	NOUN
fbem-29740	112	41	of	of	ADP
fbem-29740	112	42	risky	risky	ADJ
fbem-29740	112	43	investments	investment	NOUN
fbem-29740	112	44	banks	bank	NOUN
fbem-29740	112	45	make	make	VERB
fbem-29740	112	46	,	,	PUNCT
fbem-29740	112	47	they	they	PRON
fbem-29740	112	48	only	only	ADV
fbem-29740	112	49	need	need	VERB
fbem-29740	112	50	to	to	PART
fbem-29740	112	51	pay	pay	VERB
fbem-29740	112	52	the	the	DET
fbem-29740	112	53	same	same	ADJ
fbem-29740	112	54	rates	rate	NOUN
fbem-29740	112	55	as	as	ADP
fbem-29740	112	56	those	those	DET
fbem-29740	112	57	banks	bank	NOUN
fbem-29740	112	58	that	that	PRON
fbem-29740	112	59	do	do	AUX
fbem-29740	112	60	n't	not	PART
fbem-29740	112	61	make	make	VERB
fbem-29740	112	62	risky	risky	ADJ
fbem-29740	112	63	investments	investment	NOUN
fbem-29740	112	64	,	,	PUNCT
fbem-29740	112	65	and	and	CCONJ
fbem-29740	112	66	such	such	DET
fbem-29740	112	67	a	a	DET
fbem-29740	112	68	policy	policy	NOUN
fbem-29740	112	69	will	will	AUX
fbem-29740	112	70	obviously	obviously	ADV
fbem-29740	112	71	cause	cause	VERB
fbem-29740	112	72	dissatisfaction	dissatisfaction	NOUN
fbem-29740	112	73	among	among	ADP
fbem-29740	112	74	those	those	DET
fbem-29740	112	75	banks	bank	NOUN
fbem-29740	112	76	that	that	PRON
fbem-29740	112	77	are	be	AUX
fbem-29740	112	78	operating	operate	VERB
fbem-29740	112	79	normally	normally	ADV
fbem-29740	112	80	,	,	PUNCT
fbem-29740	112	81	and	and	CCONJ
fbem-29740	112	82	the	the	DET
fbem-29740	112	83	differentiated	differentiated	ADJ
fbem-29740	112	84	rates	rate	NOUN
fbem-29740	112	85	are	be	AUX
fbem-29740	112	86	useful	useful	ADJ
fbem-29740	112	87	in	in	SCONJ
fbem-29740	112	88	that	that	SCONJ
fbem-29740	112	89	they	they	PRON
fbem-29740	112	90	can	can	AUX
fbem-29740	112	91	curb	curb	VERB
fbem-29740	112	92	the	the	DET
fbem-29740	112	93	high	high	ADJ
fbem-29740	112	94	-	-	PUNCT
fbem-29740	112	95	risk	risk	NOUN
fbem-29740	112	96	the	the	DET
fbem-29740	112	97	role	role	NOUN
fbem-29740	112	98	of	of	ADP
fbem-29740	112	99	differential	differential	ADJ
fbem-29740	112	100	rates	rate	NOUN
fbem-29740	112	101	is	be	AUX
fbem-29740	112	102	to	to	PART
fbem-29740	112	103	curb	curb	VERB
fbem-29740	112	104	the	the	DET
fbem-29740	112	105	moral	moral	ADJ
fbem-29740	112	106	hazard	hazard	NOUN
fbem-29740	112	107	problem	problem	NOUN
fbem-29740	112	108	of	of	ADP
fbem-29740	112	109	high	high	ADJ
fbem-29740	112	110	-	-	PUNCT
fbem-29740	112	111	risk	risk	NOUN
fbem-29740	112	112	investment	investment	NOUN
fbem-29740	112	113	banks	bank	NOUN
fbem-29740	112	114	.	.	PUNCT
fbem-29740	113	1	therefore	therefore	ADV
fbem-29740	113	2	,	,	PUNCT
fbem-29740	113	3	the	the	DET
fbem-29740	113	4	role	role	NOUN
fbem-29740	113	5	of	of	ADP
fbem-29740	113	6	risk	risk	NOUN
fbem-29740	113	7	differential	differential	NOUN
fbem-29740	113	8	rates	rate	NOUN
fbem-29740	113	9	is	be	AUX
fbem-29740	113	10	to	to	PART
fbem-29740	113	11	effectively	effectively	ADV
fbem-29740	113	12	restrain	restrain	VERB
fbem-29740	113	13	the	the	DET
fbem-29740	113	14	behavior	behavior	NOUN
fbem-29740	113	15	of	of	ADP
fbem-29740	113	16	high	high	ADJ
fbem-29740	113	17	-	-	PUNCT
fbem-29740	113	18	risk	risk	NOUN
fbem-29740	113	19	investment	investment	NOUN
fbem-29740	113	20	banks	bank	NOUN
fbem-29740	113	21	,	,	PUNCT
fbem-29740	113	22	enhance	enhance	VERB
fbem-29740	113	23	the	the	DET
fbem-29740	113	24	enthusiasm	enthusiasm	NOUN
fbem-29740	113	25	of	of	ADP
fbem-29740	113	26	internal	internal	ADJ
fbem-29740	113	27	self	self	NOUN
fbem-29740	113	28	-	-	PUNCT
fbem-29740	113	29	supervision	supervision	NOUN
fbem-29740	113	30	,	,	PUNCT
fbem-29740	113	31	reduce	reduce	VERB
fbem-29740	113	32	the	the	DET
fbem-29740	113	33	occurrence	occurrence	NOUN
fbem-29740	113	34	of	of	ADP
fbem-29740	113	35	moral	moral	ADJ
fbem-29740	113	36	hazard	hazard	NOUN
fbem-29740	113	37	in	in	ADP
fbem-29740	113	38	banks	bank	NOUN
fbem-29740	113	39	,	,	PUNCT
fbem-29740	113	40	and	and	CCONJ
fbem-29740	113	41	contribute	contribute	VERB
fbem-29740	113	42	to	to	ADP
fbem-29740	113	43	the	the	DET
fbem-29740	113	44	healthy	healthy	ADJ
fbem-29740	113	45	development	development	NOUN
fbem-29740	113	46	of	of	ADP
fbem-29740	113	47	banks	bank	NOUN
fbem-29740	113	48	.	.	PUNCT
fbem-29740	114	1	3.2.3	3.2.3	X
fbem-29740	114	2	.	.	X
fbem-29740	114	3	impact	impact	NOUN
fbem-29740	114	4	on	on	ADP
fbem-29740	114	5	moral	moral	ADJ
fbem-29740	114	6	hazard	hazard	NOUN
fbem-29740	114	7	in	in	ADP
fbem-29740	114	8	terms	term	NOUN
fbem-29740	114	9	of	of	ADP
fbem-29740	114	10	market	market	NOUN
fbem-29740	114	11	constraints	constraint	NOUN
fbem-29740	114	12	if	if	SCONJ
fbem-29740	114	13	a	a	DET
fbem-29740	114	14	bank	bank	NOUN
fbem-29740	114	15	engages	engage	VERB
fbem-29740	114	16	in	in	ADP
fbem-29740	114	17	behavior	behavior	NOUN
fbem-29740	114	18	that	that	PRON
fbem-29740	114	19	is	be	AUX
fbem-29740	114	20	detrimental	detrimental	ADJ
fbem-29740	114	21	to	to	ADP
fbem-29740	114	22	the	the	DET
fbem-29740	114	23	safety	safety	NOUN
fbem-29740	114	24	of	of	ADP
fbem-29740	114	25	depositors	depositor	NOUN
fbem-29740	114	26	'	'	PART
fbem-29740	114	27	property	property	NOUN
fbem-29740	114	28	,	,	PUNCT
fbem-29740	114	29	the	the	DET
fbem-29740	114	30	deposit	deposit	NOUN
fbem-29740	114	31	insurance	insurance	NOUN
fbem-29740	114	32	agency	agency	NOUN
fbem-29740	114	33	has	have	VERB
fbem-29740	114	34	the	the	DET
fbem-29740	114	35	right	right	NOUN
fbem-29740	114	36	to	to	PART
fbem-29740	114	37	issue	issue	VERB
fbem-29740	114	38	warnings	warning	NOUN
fbem-29740	114	39	,	,	PUNCT
fbem-29740	114	40	require	require	VERB
fbem-29740	114	41	replenishment	replenishment	NOUN
fbem-29740	114	42	of	of	ADP
fbem-29740	114	43	capital	capital	NOUN
fbem-29740	114	44	,	,	PUNCT
fbem-29740	114	45	control	control	VERB
fbem-29740	114	46	the	the	DET
fbem-29740	114	47	rate	rate	NOUN
fbem-29740	114	48	of	of	ADP
fbem-29740	114	49	growth	growth	NOUN
fbem-29740	114	50	of	of	ADP
fbem-29740	114	51	credit	credit	NOUN
fbem-29740	114	52	assets	asset	NOUN
fbem-29740	114	53	,	,	PUNCT
fbem-29740	114	54	and	and	CCONJ
fbem-29740	114	55	so	so	ADV
fbem-29740	114	56	on	on	ADV
fbem-29740	114	57	,	,	PUNCT
fbem-29740	114	58	so	so	SCONJ
fbem-29740	114	59	that	that	SCONJ
fbem-29740	114	60	the	the	DET
fbem-29740	114	61	bank	bank	NOUN
fbem-29740	114	62	in	in	ADP
fbem-29740	114	63	question	question	NOUN
fbem-29740	114	64	will	will	AUX
fbem-29740	114	65	stop	stop	VERB
fbem-29740	114	66	or	or	CCONJ
fbem-29740	114	67	reduce	reduce	VERB
fbem-29740	114	68	the	the	DET
fbem-29740	114	69	dangerous	dangerous	ADJ
fbem-29740	114	70	operations	operation	NOUN
fbem-29740	114	71	in	in	ADP
fbem-29740	114	72	question	question	NOUN
fbem-29740	114	73	,	,	PUNCT
fbem-29740	114	74	operate	operate	VERB
fbem-29740	114	75	healthily	healthily	ADV
fbem-29740	114	76	,	,	PUNCT
fbem-29740	114	77	and	and	CCONJ
fbem-29740	114	78	reduce	reduce	VERB
fbem-29740	114	79	its	its	PRON
fbem-29740	114	80	losses	loss	NOUN
fbem-29740	114	81	.	.	PUNCT
fbem-29740	115	1	however	however	ADV
fbem-29740	115	2	,	,	PUNCT
fbem-29740	115	3	if	if	SCONJ
fbem-29740	115	4	market	market	NOUN
fbem-29740	115	5	discipline	discipline	NOUN
fbem-29740	115	6	is	be	AUX
fbem-29740	115	7	not	not	PART
fbem-29740	115	8	in	in	ADP
fbem-29740	115	9	place	place	NOUN
fbem-29740	115	10	,	,	PUNCT
fbem-29740	115	11	or	or	CCONJ
fbem-29740	115	12	if	if	SCONJ
fbem-29740	115	13	the	the	DET
fbem-29740	115	14	regulator	regulator	NOUN
fbem-29740	115	15	colludes	collude	VERB
fbem-29740	115	16	with	with	ADP
fbem-29740	115	17	the	the	DET
fbem-29740	115	18	regulated	regulated	ADJ
fbem-29740	115	19	institution	institution	NOUN
fbem-29740	115	20	and	and	CCONJ
fbem-29740	115	21	the	the	DET
fbem-29740	115	22	regulator	regulator	NOUN
fbem-29740	115	23	obtains	obtain	VERB
fbem-29740	115	24	benefits	benefit	NOUN
fbem-29740	115	25	from	from	ADP
fbem-29740	115	26	the	the	DET
fbem-29740	115	27	regulated	regulated	ADJ
fbem-29740	115	28	party	party	NOUN
fbem-29740	115	29	,	,	PUNCT
fbem-29740	115	30	it	it	PRON
fbem-29740	115	31	is	be	AUX
fbem-29740	115	32	possible	possible	ADJ
fbem-29740	115	33	that	that	SCONJ
fbem-29740	115	34	the	the	DET
fbem-29740	115	35	regulator	regulator	NOUN
fbem-29740	115	36	will	will	AUX
fbem-29740	115	37	relax	relax	VERB
fbem-29740	115	38	its	its	PRON
fbem-29740	115	39	supervision	supervision	NOUN
fbem-29740	115	40	of	of	ADP
fbem-29740	115	41	banks	bank	NOUN
fbem-29740	115	42	and	and	CCONJ
fbem-29740	115	43	other	other	ADJ
fbem-29740	115	44	institutions	institution	NOUN
fbem-29740	115	45	,	,	PUNCT
fbem-29740	115	46	thus	thus	ADV
fbem-29740	115	47	increasing	increase	VERB
fbem-29740	115	48	the	the	DET
fbem-29740	115	49	probability	probability	NOUN
fbem-29740	115	50	of	of	ADP
fbem-29740	115	51	moral	moral	ADJ
fbem-29740	115	52	hazard	hazard	NOUN
fbem-29740	115	53	in	in	ADP
fbem-29740	115	54	banks	bank	NOUN
fbem-29740	115	55	.	.	PUNCT
fbem-29740	116	1	4	4	X
fbem-29740	116	2	.	.	X
fbem-29740	116	3	the	the	DET
fbem-29740	116	4	impact	impact	NOUN
fbem-29740	116	5	of	of	ADP
fbem-29740	116	6	deposit	deposit	NOUN
fbem-29740	116	7	insurance	insurance	NOUN
fbem-29740	116	8	system	system	NOUN
fbem-29740	116	9	on	on	ADP
fbem-29740	116	10	moral	moral	ADJ
fbem-29740	116	11	hazard	hazard	NOUN
fbem-29740	116	12	of	of	ADP
fbem-29740	116	13	commercial	commercial	ADJ
fbem-29740	116	14	banks	bank	NOUN
fbem-29740	116	15	:	:	PUNCT
fbem-29740	116	16	a	a	DET
fbem-29740	116	17	case	case	NOUN
fbem-29740	116	18	study	study	NOUN
fbem-29740	116	19	of	of	ADP
fbem-29740	116	20	baoshang	baoshang	PROPN
fbem-29740	116	21	bank	bank	PROPN
fbem-29740	116	22	bankruptcy	bankruptcy	PROPN
fbem-29740	116	23	4.1	4.1	NUM
fbem-29740	116	24	.	.	PUNCT
fbem-29740	117	1	background	background	NOUN
fbem-29740	117	2	of	of	ADP
fbem-29740	117	3	baoshang	baoshang	PROPN
fbem-29740	117	4	bank	bank	PROPN
fbem-29740	117	5	bankruptcy	bankruptcy	PROPN
fbem-29740	117	6	event	event	PROPN
fbem-29740	117	7	baoshang	baoshang	PROPN
fbem-29740	117	8	bank	bank	PROPN
fbem-29740	117	9	is	be	AUX
fbem-29740	117	10	a	a	DET
fbem-29740	117	11	privately	privately	ADV
fbem-29740	117	12	owned	own	VERB
fbem-29740	117	13	bank	bank	NOUN
fbem-29740	117	14	in	in	ADP
fbem-29740	117	15	china	china	PROPN
fbem-29740	117	16	that	that	PRON
fbem-29740	117	17	grew	grow	VERB
fbem-29740	117	18	rapidly	rapidly	ADV
fbem-29740	117	19	in	in	ADP
fbem-29740	117	20	its	its	PRON
fbem-29740	117	21	early	early	ADJ
fbem-29740	117	22	years	year	NOUN
fbem-29740	117	23	and	and	CCONJ
fbem-29740	117	24	became	become	VERB
fbem-29740	117	25	a	a	DET
fbem-29740	117	26	major	major	ADJ
fbem-29740	117	27	player	player	NOUN
fbem-29740	117	28	in	in	ADP
fbem-29740	117	29	china	china	PROPN
fbem-29740	117	30	's	's	PART
fbem-29740	117	31	banking	banking	NOUN
fbem-29740	117	32	industry	industry	NOUN
fbem-29740	117	33	.	.	PUNCT
fbem-29740	118	1	however	however	ADV
fbem-29740	118	2	,	,	PUNCT
fbem-29740	118	3	in	in	ADP
fbem-29740	118	4	2016	2016	NUM
fbem-29740	118	5	,	,	PUNCT
fbem-29740	118	6	the	the	DET
fbem-29740	118	7	bank	bank	NOUN
fbem-29740	118	8	's	's	PART
fbem-29740	118	9	top	top	ADJ
fbem-29740	118	10	executives	executive	NOUN
fbem-29740	118	11	were	be	AUX
fbem-29740	118	12	exposed	expose	VERB
fbem-29740	118	13	to	to	ADP
fbem-29740	118	14	irregularities	irregularity	NOUN
fbem-29740	118	15	and	and	CCONJ
fbem-29740	118	16	embezzlement	embezzlement	NOUN
fbem-29740	118	17	,	,	PUNCT
fbem-29740	118	18	leading	lead	VERB
fbem-29740	118	19	to	to	ADP
fbem-29740	118	20	serious	serious	ADJ
fbem-29740	118	21	moral	moral	ADJ
fbem-29740	118	22	hazard	hazard	NOUN
fbem-29740	118	23	for	for	ADP
fbem-29740	118	24	the	the	DET
fbem-29740	118	25	bank	bank	NOUN
fbem-29740	118	26	.	.	PUNCT
fbem-29740	119	1	these	these	DET
fbem-29740	119	2	irregularities	irregularity	NOUN
fbem-29740	119	3	,	,	PUNCT
fbem-29740	119	4	which	which	PRON
fbem-29740	119	5	included	include	VERB
fbem-29740	119	6	illegal	illegal	ADJ
fbem-29740	119	7	loan	loan	NOUN
fbem-29740	119	8	issuance	issuance	NOUN
fbem-29740	119	9	and	and	CCONJ
fbem-29740	119	10	inflated	inflated	ADJ
fbem-29740	119	11	assets	asset	NOUN
fbem-29740	119	12	,	,	PUNCT
fbem-29740	119	13	seriously	seriously	ADV
fbem-29740	119	14	damaged	damage	VERB
fbem-29740	119	15	the	the	DET
fbem-29740	119	16	bank	bank	NOUN
fbem-29740	119	17	's	's	PART
fbem-29740	119	18	reputation	reputation	NOUN
fbem-29740	119	19	and	and	CCONJ
fbem-29740	119	20	asset	asset	NOUN
fbem-29740	119	21	quality	quality	NOUN
fbem-29740	119	22	.	.	PUNCT
fbem-29740	120	1	as	as	ADP
fbem-29740	120	2	a	a	DET
fbem-29740	120	3	result	result	NOUN
fbem-29740	120	4	of	of	ADP
fbem-29740	120	5	the	the	DET
fbem-29740	120	6	exposure	exposure	NOUN
fbem-29740	120	7	of	of	ADP
fbem-29740	120	8	moral	moral	ADJ
fbem-29740	120	9	hazards	hazard	NOUN
fbem-29740	120	10	,	,	PUNCT
fbem-29740	120	11	baoshang	baoshang	PROPN
fbem-29740	120	12	bank	bank	PROPN
fbem-29740	120	13	was	be	AUX
fbem-29740	120	14	plunged	plunge	VERB
fbem-29740	120	15	into	into	ADP
fbem-29740	120	16	a	a	DET
fbem-29740	120	17	serious	serious	ADJ
fbem-29740	120	18	crisis	crisis	NOUN
fbem-29740	120	19	and	and	CCONJ
fbem-29740	120	20	eventually	eventually	ADV
fbem-29740	120	21	declared	declare	VERB
fbem-29740	120	22	bankruptcy	bankruptcy	NOUN
fbem-29740	120	23	.	.	PUNCT
fbem-29740	121	1	4.2	4.2	NUM
fbem-29740	121	2	.	.	PUNCT
fbem-29740	122	1	involvement	involvement	NOUN
fbem-29740	122	2	in	in	ADP
fbem-29740	122	3	the	the	DET
fbem-29740	122	4	deposit	deposit	NOUN
fbem-29740	122	5	insurance	insurance	NOUN
fbem-29740	122	6	system	system	NOUN
fbem-29740	122	7	in	in	ADP
fbem-29740	122	8	the	the	DET
fbem-29740	122	9	face	face	NOUN
fbem-29740	122	10	of	of	ADP
fbem-29740	122	11	the	the	DET
fbem-29740	122	12	bankruptcy	bankruptcy	NOUN
fbem-29740	122	13	of	of	ADP
fbem-29740	122	14	the	the	DET
fbem-29740	122	15	baoshang	baoshang	PROPN
fbem-29740	122	16	bank	bank	PROPN
fbem-29740	122	17	,	,	PUNCT
fbem-29740	122	18	the	the	DET
fbem-29740	122	19	china	china	PROPN
fbem-29740	122	20	deposit	deposit	PROPN
fbem-29740	122	21	insurance	insurance	NOUN
fbem-29740	122	22	corporation	corporation	NOUN
fbem-29740	122	23	(	(	PUNCT
fbem-29740	122	24	cdic	cdic	ADJ
fbem-29740	122	25	)	)	PUNCT
fbem-29740	122	26	acted	act	VERB
fbem-29740	122	27	swiftly	swiftly	ADV
fbem-29740	122	28	to	to	PART
fbem-29740	122	29	activate	activate	VERB
fbem-29740	122	30	the	the	DET
fbem-29740	122	31	deposit	deposit	NOUN
fbem-29740	122	32	insurance	insurance	NOUN
fbem-29740	122	33	system	system	NOUN
fbem-29740	122	34	to	to	PART
fbem-29740	122	35	provide	provide	VERB
fbem-29740	122	36	protection	protection	NOUN
fbem-29740	122	37	for	for	ADP
fbem-29740	122	38	affected	affected	ADJ
fbem-29740	122	39	depositors	depositor	NOUN
fbem-29740	122	40	.	.	PUNCT
fbem-29740	123	1	by	by	ADP
fbem-29740	123	2	providing	provide	VERB
fbem-29740	123	3	depositors	depositor	NOUN
fbem-29740	123	4	with	with	ADP
fbem-29740	123	5	a	a	DET
fbem-29740	123	6	certain	certain	ADJ
fbem-29740	123	7	level	level	NOUN
fbem-29740	123	8	of	of	ADP
fbem-29740	123	9	compensation	compensation	NOUN
fbem-29740	123	10	,	,	PUNCT
fbem-29740	123	11	the	the	DET
fbem-29740	123	12	deposit	deposit	NOUN
fbem-29740	123	13	insurance	insurance	NOUN
fbem-29740	123	14	system	system	NOUN
fbem-29740	123	15	mitigated	mitigate	VERB
fbem-29740	123	16	their	their	PRON
fbem-29740	123	17	financial	financial	ADJ
fbem-29740	123	18	losses	loss	NOUN
fbem-29740	123	19	and	and	CCONJ
fbem-29740	123	20	safeguarded	safeguard	VERB
fbem-29740	123	21	their	their	PRON
fbem-29740	123	22	rights	right	NOUN
fbem-29740	123	23	and	and	CCONJ
fbem-29740	123	24	interests	interest	NOUN
fbem-29740	123	25	.	.	PUNCT
fbem-29740	124	1	affected	affect	VERB
fbem-29740	124	2	depositors	depositor	NOUN
fbem-29740	124	3	are	be	AUX
fbem-29740	124	4	entitled	entitle	VERB
fbem-29740	124	5	to	to	ADP
fbem-29740	124	6	a	a	DET
fbem-29740	124	7	certain	certain	ADJ
fbem-29740	124	8	percentage	percentage	NOUN
fbem-29740	124	9	of	of	ADP
fbem-29740	124	10	compensation	compensation	NOUN
fbem-29740	124	11	for	for	ADP
fbem-29740	124	12	their	their	PRON
fbem-29740	124	13	deposits	deposit	NOUN
fbem-29740	124	14	,	,	PUNCT
fbem-29740	124	15	which	which	PRON
fbem-29740	124	16	has	have	AUX
fbem-29740	124	17	helped	help	VERB
fbem-29740	124	18	them	they	PRON
fbem-29740	124	19	alleviate	alleviate	VERB
fbem-29740	124	20	the	the	DET
fbem-29740	124	21	financial	financial	ADJ
fbem-29740	124	22	hardship	hardship	NOUN
fbem-29740	124	23	caused	cause	VERB
fbem-29740	124	24	by	by	ADP
fbem-29740	124	25	the	the	DET
fbem-29740	124	26	insolvency	insolvency	NOUN
fbem-29740	124	27	of	of	ADP
fbem-29740	124	28	the	the	DET
fbem-29740	124	29	chartered	charter	VERB
fbem-29740	124	30	banks	bank	NOUN
fbem-29740	124	31	and	and	CCONJ
fbem-29740	124	32	restore	restore	VERB
fbem-29740	124	33	a	a	DET
fbem-29740	124	34	certain	certain	ADJ
fbem-29740	124	35	degree	degree	NOUN
fbem-29740	124	36	of	of	ADP
fbem-29740	124	37	confidence	confidence	NOUN
fbem-29740	124	38	.	.	PUNCT
fbem-29740	125	1	in	in	ADP
fbem-29740	125	2	addition	addition	NOUN
fbem-29740	125	3	,	,	PUNCT
fbem-29740	125	4	the	the	DET
fbem-29740	125	5	deposit	deposit	NOUN
fbem-29740	125	6	insurance	insurance	NOUN
fbem-29740	125	7	system	system	NOUN
fbem-29740	125	8	provided	provide	VERB
fbem-29740	125	9	financial	financial	ADJ
fbem-29740	125	10	support	support	NOUN
fbem-29740	125	11	to	to	ADP
fbem-29740	125	12	baoshang	baoshang	PROPN
fbem-29740	125	13	bank	bank	PROPN
fbem-29740	125	14	to	to	PART
fbem-29740	125	15	support	support	VERB
fbem-29740	125	16	its	its	PRON
fbem-29740	125	17	reorganization	reorganization	NOUN
fbem-29740	125	18	and	and	CCONJ
fbem-29740	125	19	consolidation	consolidation	NOUN
fbem-29740	125	20	.	.	PUNCT
fbem-29740	126	1	the	the	DET
fbem-29740	126	2	china	china	PROPN
fbem-29740	126	3	deposit	deposit	PROPN
fbem-29740	126	4	insurance	insurance	NOUN
fbem-29740	126	5	corporation	corporation	NOUN
fbem-29740	126	6	(	(	PUNCT
fbem-29740	126	7	cdic	cdic	ADJ
fbem-29740	126	8	)	)	PUNCT
fbem-29740	126	9	injected	inject	VERB
fbem-29740	126	10	funds	fund	NOUN
fbem-29740	126	11	into	into	ADP
fbem-29740	126	12	baoshang	baoshang	PROPN
fbem-29740	126	13	bank	bank	PROPN
fbem-29740	126	14	to	to	PART
fbem-29740	126	15	help	help	VERB
fbem-29740	126	16	the	the	DET
fbem-29740	126	17	bank	bank	NOUN
fbem-29740	126	18	tide	tide	NOUN
fbem-29740	126	19	over	over	ADP
fbem-29740	126	20	its	its	PRON
fbem-29740	126	21	capital	capital	NOUN
fbem-29740	126	22	crisis	crisis	NOUN
fbem-29740	126	23	and	and	CCONJ
fbem-29740	126	24	implement	implement	VERB
fbem-29740	126	25	the	the	DET
fbem-29740	126	26	necessary	necessary	ADJ
fbem-29740	126	27	measures	measure	NOUN
fbem-29740	126	28	to	to	PART
fbem-29740	126	29	reorganize	reorganize	VERB
fbem-29740	126	30	its	its	PRON
fbem-29740	126	31	operations	operation	NOUN
fbem-29740	126	32	and	and	CCONJ
fbem-29740	126	33	liquidate	liquidate	VERB
fbem-29740	126	34	its	its	PRON
fbem-29740	126	35	risks	risk	NOUN
fbem-29740	126	36	.	.	PUNCT
fbem-29740	127	1	this	this	DET
fbem-29740	127	2	financial	financial	ADJ
fbem-29740	127	3	support	support	NOUN
fbem-29740	127	4	provided	provide	VERB
fbem-29740	127	5	important	important	ADJ
fbem-29740	127	6	support	support	NOUN
fbem-29740	127	7	for	for	ADP
fbem-29740	127	8	the	the	DET
fbem-29740	127	9	reconstruction	reconstruction	NOUN
fbem-29740	127	10	and	and	CCONJ
fbem-29740	127	11	reform	reform	NOUN
fbem-29740	127	12	of	of	ADP
fbem-29740	127	13	baoshang	baoshang	PROPN
fbem-29740	127	14	bank	bank	PROPN
fbem-29740	127	15	and	and	CCONJ
fbem-29740	127	16	contributed	contribute	VERB
fbem-29740	127	17	to	to	ADP
fbem-29740	127	18	the	the	DET
fbem-29740	127	19	improvement	improvement	NOUN
fbem-29740	127	20	of	of	ADP
fbem-29740	127	21	the	the	DET
fbem-29740	127	22	bank	bank	NOUN
fbem-29740	127	23	's	's	PART
fbem-29740	127	24	risk	risk	NOUN
fbem-29740	127	25	management	management	NOUN
fbem-29740	127	26	capacity	capacity	NOUN
fbem-29740	127	27	.	.	PUNCT
fbem-29740	128	1	4.3	4.3	NUM
fbem-29740	128	2	.	.	PUNCT
fbem-29740	128	3	analysis	analysis	NOUN
fbem-29740	128	4	of	of	ADP
fbem-29740	128	5	the	the	DET
fbem-29740	128	6	impact	impact	NOUN
fbem-29740	128	7	of	of	ADP
fbem-29740	128	8	the	the	DET
fbem-29740	128	9	deposit	deposit	NOUN
fbem-29740	128	10	insurance	insurance	NOUN
fbem-29740	128	11	system	system	NOUN
fbem-29740	128	12	the	the	DET
fbem-29740	128	13	intervention	intervention	NOUN
fbem-29740	128	14	of	of	ADP
fbem-29740	128	15	the	the	DET
fbem-29740	128	16	deposit	deposit	NOUN
fbem-29740	128	17	insurance	insurance	NOUN
fbem-29740	128	18	system	system	NOUN
fbem-29740	128	19	played	play	VERB
fbem-29740	128	20	an	an	DET
fbem-29740	128	21	important	important	ADJ
fbem-29740	128	22	role	role	NOUN
fbem-29740	128	23	in	in	ADP
fbem-29740	128	24	the	the	DET
fbem-29740	128	25	baoshang	baoshang	PROPN
fbem-29740	128	26	bank	bank	PROPN
fbem-29740	128	27	insolvency	insolvency	PROPN
fbem-29740	128	28	.	.	PUNCT
fbem-29740	129	1	first	first	ADV
fbem-29740	129	2	,	,	PUNCT
fbem-29740	129	3	the	the	DET
fbem-29740	129	4	existence	existence	NOUN
fbem-29740	129	5	of	of	ADP
fbem-29740	129	6	the	the	DET
fbem-29740	129	7	deposit	deposit	NOUN
fbem-29740	129	8	insurance	insurance	NOUN
fbem-29740	129	9	system	system	NOUN
fbem-29740	129	10	mitigated	mitigate	VERB
fbem-29740	129	11	the	the	DET
fbem-29740	129	12	financial	financial	ADJ
fbem-29740	129	13	losses	loss	NOUN
fbem-29740	129	14	of	of	ADP
fbem-29740	129	15	affected	affect	VERB
fbem-29740	129	16	depositors	depositor	NOUN
fbem-29740	129	17	and	and	CCONJ
fbem-29740	129	18	provided	provide	VERB
fbem-29740	129	19	a	a	DET
fbem-29740	129	20	degree	degree	NOUN
fbem-29740	129	21	of	of	ADP
fbem-29740	129	22	protection	protection	NOUN
fbem-29740	129	23	and	and	CCONJ
fbem-29740	129	24	security	security	NOUN
fbem-29740	129	25	.	.	PUNCT
fbem-29740	130	1	this	this	PRON
fbem-29740	130	2	helped	help	VERB
fbem-29740	130	3	to	to	PART
fbem-29740	130	4	maintain	maintain	VERB
fbem-29740	130	5	public	public	ADJ
fbem-29740	130	6	confidence	confidence	NOUN
fbem-29740	130	7	in	in	ADP
fbem-29740	130	8	the	the	DET
fbem-29740	130	9	banking	banking	NOUN
fbem-29740	130	10	sector	sector	NOUN
fbem-29740	130	11	,	,	PUNCT
fbem-29740	130	12	reduce	reduce	VERB
fbem-29740	130	13	possible	possible	ADJ
fbem-29740	130	14	vicious	vicious	ADJ
fbem-29740	130	15	circle	circle	NOUN
fbem-29740	130	16	effects	effect	NOUN
fbem-29740	130	17	and	and	CCONJ
fbem-29740	130	18	prevent	prevent	VERB
fbem-29740	130	19	further	further	ADJ
fbem-29740	130	20	spread	spread	NOUN
fbem-29740	130	21	of	of	ADP
fbem-29740	130	22	financial	financial	ADJ
fbem-29740	130	23	risks	risk	NOUN
fbem-29740	130	24	.	.	PUNCT
fbem-29740	131	1	second	second	ADJ
fbem-29740	131	2	,	,	PUNCT
fbem-29740	131	3	the	the	DET
fbem-29740	131	4	intervention	intervention	NOUN
fbem-29740	131	5	of	of	ADP
fbem-29740	131	6	the	the	DET
fbem-29740	131	7	deposit	deposit	NOUN
fbem-29740	131	8	insurance	insurance	NOUN
fbem-29740	131	9	system	system	NOUN
fbem-29740	131	10	contributed	contribute	VERB
fbem-29740	131	11	to	to	ADP
fbem-29740	131	12	the	the	DET
fbem-29740	131	13	reorganization	reorganization	NOUN
fbem-29740	131	14	and	and	CCONJ
fbem-29740	131	15	consolidation	consolidation	NOUN
fbem-29740	131	16	of	of	ADP
fbem-29740	131	17	chartered	charter	VERB
fbem-29740	131	18	banks	bank	NOUN
fbem-29740	131	19	.	.	PUNCT
fbem-29740	132	1	the	the	DET
fbem-29740	132	2	activation	activation	NOUN
fbem-29740	132	3	of	of	ADP
fbem-29740	132	4	the	the	DET
fbem-29740	132	5	financial	financial	ADJ
fbem-29740	132	6	support	support	NOUN
fbem-29740	132	7	and	and	CCONJ
fbem-29740	132	8	response	response	NOUN
fbem-29740	132	9	mechanism	mechanism	NOUN
fbem-29740	132	10	helped	help	VERB
fbem-29740	132	11	the	the	DET
fbem-29740	132	12	bank	bank	NOUN
fbem-29740	132	13	to	to	PART
fbem-29740	132	14	tide	tide	VERB
fbem-29740	132	15	over	over	ADP
fbem-29740	132	16	the	the	DET
fbem-29740	132	17	financial	financial	ADJ
fbem-29740	132	18	crisis	crisis	NOUN
fbem-29740	132	19	and	and	CCONJ
fbem-29740	132	20	implement	implement	VERB
fbem-29740	132	21	the	the	DET
fbem-29740	132	22	necessary	necessary	ADJ
fbem-29740	132	23	measures	measure	NOUN
fbem-29740	132	24	to	to	PART
fbem-29740	132	25	reorganize	reorganize	VERB
fbem-29740	132	26	its	its	PRON
fbem-29740	132	27	operations	operation	NOUN
fbem-29740	132	28	and	and	CCONJ
fbem-29740	132	29	clean	clean	VERB
fbem-29740	132	30	up	up	ADP
fbem-29740	132	31	its	its	PRON
fbem-29740	132	32	risks	risk	NOUN
fbem-29740	132	33	.	.	PUNCT
fbem-29740	133	1	the	the	DET
fbem-29740	133	2	injection	injection	NOUN
fbem-29740	133	3	of	of	ADP
fbem-29740	133	4	funds	fund	NOUN
fbem-29740	133	5	from	from	ADP
fbem-29740	133	6	the	the	DET
fbem-29740	133	7	deposit	deposit	NOUN
fbem-29740	133	8	insurance	insurance	NOUN
fbem-29740	133	9	system	system	NOUN
fbem-29740	133	10	(	(	PUNCT
fbem-29740	133	11	dis	dis	PROPN
fbem-29740	133	12	)	)	PUNCT
fbem-29740	133	13	provided	provide	VERB
fbem-29740	133	14	baoshang	baoshang	PROPN
fbem-29740	133	15	bank	bank	PROPN
fbem-29740	133	16	with	with	ADP
fbem-29740	133	17	the	the	DET
fbem-29740	133	18	opportunity	opportunity	NOUN
fbem-29740	133	19	to	to	PART
fbem-29740	133	20	rebuild	rebuild	VERB
fbem-29740	133	21	and	and	CCONJ
fbem-29740	133	22	reform	reform	NOUN
fbem-29740	133	23	,	,	PUNCT
fbem-29740	133	24	and	and	CCONJ
fbem-29740	133	25	facilitated	facilitate	VERB
fbem-29740	133	26	the	the	DET
fbem-29740	133	27	improvement	improvement	NOUN
fbem-29740	133	28	of	of	ADP
fbem-29740	133	29	the	the	DET
fbem-29740	133	30	bank	bank	NOUN
fbem-29740	133	31	's	's	PART
fbem-29740	133	32	risk	risk	NOUN
fbem-29740	133	33	management	management	NOUN
fbem-29740	133	34	and	and	CCONJ
fbem-29740	133	35	internal	internal	ADJ
fbem-29740	133	36	governance	governance	NOUN
fbem-29740	133	37	capabilities	capability	NOUN
fbem-29740	133	38	.	.	PUNCT
fbem-29740	134	1	by	by	ADP
fbem-29740	134	2	strengthening	strengthen	VERB
fbem-29740	134	3	the	the	DET
fbem-29740	134	4	bank	bank	NOUN
fbem-29740	134	5	's	's	PART
fbem-29740	134	6	internal	internal	ADJ
fbem-29740	134	7	control	control	NOUN
fbem-29740	134	8	and	and	CCONJ
fbem-29740	134	9	supervisory	supervisory	ADJ
fbem-29740	134	10	mechanisms	mechanism	NOUN
fbem-29740	134	11	,	,	PUNCT
fbem-29740	134	12	the	the	DET
fbem-29740	134	13	deposit	deposit	NOUN
fbem-29740	134	14	insurance	insurance	NOUN
fbem-29740	134	15	system	system	NOUN
fbem-29740	134	16	had	have	VERB
fbem-29740	134	17	a	a	DET
fbem-29740	134	18	positive	positive	ADJ
fbem-29740	134	19	impact	impact	NOUN
fbem-29740	134	20	on	on	ADP
fbem-29740	134	21	the	the	DET
fbem-29740	134	22	bank	bank	NOUN
fbem-29740	134	23	's	's	PART
fbem-29740	134	24	moral	moral	ADJ
fbem-29740	134	25	hazard	hazard	NOUN
fbem-29740	134	26	problem	problem	NOUN
fbem-29740	134	27	.	.	PUNCT
fbem-29740	135	1	it	it	PRON
fbem-29740	135	2	has	have	AUX
fbem-29740	135	3	played	play	VERB
fbem-29740	135	4	an	an	DET
fbem-29740	135	5	important	important	ADJ
fbem-29740	135	6	positive	positive	ADJ
fbem-29740	135	7	impact	impact	NOUN
fbem-29740	135	8	in	in	ADP
fbem-29740	135	9	the	the	DET
fbem-29740	135	10	event	event	NOUN
fbem-29740	135	11	of	of	ADP
fbem-29740	135	12	bank	bank	NOUN
fbem-29740	135	13	insolvency	insolvency	NOUN
fbem-29740	135	14	.	.	PUNCT
fbem-29740	136	1	the	the	DET
fbem-29740	136	2	following	follow	VERB
fbem-29740	136	3	is	be	AUX
fbem-29740	136	4	an	an	DET
fbem-29740	136	5	analysis	analysis	NOUN
fbem-29740	136	6	of	of	ADP
fbem-29740	136	7	the	the	DET
fbem-29740	136	8	specific	specific	ADJ
fbem-29740	136	9	impact	impact	NOUN
fbem-29740	136	10	of	of	ADP
fbem-29740	136	11	the	the	DET
fbem-29740	136	12	deposit	deposit	NOUN
fbem-29740	136	13	insurance	insurance	NOUN
fbem-29740	136	14	system	system	NOUN
fbem-29740	136	15	in	in	ADP
fbem-29740	136	16	the	the	DET
fbem-29740	136	17	bankruptcy	bankruptcy	NOUN
fbem-29740	136	18	of	of	ADP
fbem-29740	136	19	baoshang	baoshang	PROPN
fbem-29740	136	20	bank	bank	PROPN
fbem-29740	136	21	:	:	PUNCT
fbem-29740	136	22	1	1	X
fbem-29740	136	23	.	.	X
fbem-29740	136	24	protection	protection	NOUN
fbem-29740	136	25	of	of	ADP
fbem-29740	136	26	depositors	depositor	NOUN
fbem-29740	136	27	'	'	PART
fbem-29740	136	28	rights	right	NOUN
fbem-29740	136	29	and	and	CCONJ
fbem-29740	136	30	interests	interest	NOUN
fbem-29740	136	31	:	:	PUNCT
fbem-29740	136	32	the	the	DET
fbem-29740	136	33	intervention	intervention	NOUN
fbem-29740	136	34	of	of	ADP
fbem-29740	136	35	the	the	DET
fbem-29740	136	36	deposit	deposit	NOUN
fbem-29740	136	37	insurance	insurance	NOUN
fbem-29740	136	38	system	system	NOUN
fbem-29740	136	39	ensured	ensure	VERB
fbem-29740	136	40	that	that	SCONJ
fbem-29740	136	41	affected	affect	VERB
fbem-29740	136	42	depositors	depositor	NOUN
fbem-29740	136	43	were	be	AUX
fbem-29740	136	44	able	able	ADJ
fbem-29740	136	45	to	to	PART
fbem-29740	136	46	receive	receive	VERB
fbem-29740	136	47	a	a	DET
fbem-29740	136	48	certain	certain	ADJ
fbem-29740	136	49	level	level	NOUN
fbem-29740	136	50	of	of	ADP
fbem-29740	136	51	compensation	compensation	NOUN
fbem-29740	136	52	.	.	PUNCT
fbem-29740	137	1	this	this	PRON
fbem-29740	137	2	helped	help	VERB
fbem-29740	137	3	to	to	PART
fbem-29740	137	4	alleviate	alleviate	VERB
fbem-29740	137	5	the	the	DET
fbem-29740	137	6	financial	financial	ADJ
fbem-29740	137	7	burden	burden	NOUN
fbem-29740	137	8	of	of	ADP
fbem-29740	137	9	depositors	depositor	NOUN
fbem-29740	137	10	and	and	CCONJ
fbem-29740	137	11	protect	protect	VERB
fbem-29740	137	12	their	their	PRON
fbem-29740	137	13	rights	right	NOUN
fbem-29740	137	14	and	and	CCONJ
fbem-29740	137	15	interests	interest	NOUN
fbem-29740	137	16	.	.	PUNCT
fbem-29740	138	1	affected	affect	VERB
fbem-29740	138	2	depositors	depositor	NOUN
fbem-29740	138	3	are	be	AUX
fbem-29740	138	4	able	able	ADJ
fbem-29740	138	5	to	to	PART
fbem-29740	138	6	obtain	obtain	VERB
fbem-29740	138	7	partial	partial	ADJ
fbem-29740	138	8	or	or	CCONJ
fbem-29740	138	9	full	full	ADJ
fbem-29740	138	10	compensation	compensation	NOUN
fbem-29740	138	11	for	for	ADP
fbem-29740	138	12	their	their	PRON
fbem-29740	138	13	deposits	deposit	NOUN
fbem-29740	138	14	through	through	ADP
fbem-29740	138	15	the	the	DET
fbem-29740	138	16	deposit	deposit	NOUN
fbem-29740	138	17	insurance	insurance	NOUN
fbem-29740	138	18	system	system	NOUN
fbem-29740	138	19	,	,	PUNCT
fbem-29740	138	20	thereby	thereby	ADV
fbem-29740	138	21	avoiding	avoid	VERB
fbem-29740	138	22	the	the	DET
fbem-29740	138	23	financial	financial	ADJ
fbem-29740	138	24	losses	loss	NOUN
fbem-29740	138	25	they	they	PRON
fbem-29740	138	26	may	may	AUX
fbem-29740	138	27	face	face	VERB
fbem-29740	138	28	.	.	PUNCT
fbem-29740	139	1	2	2	X
fbem-29740	139	2	.	.	X
fbem-29740	139	3	maintaining	maintain	VERB
fbem-29740	139	4	the	the	DET
fbem-29740	139	5	stability	stability	NOUN
fbem-29740	139	6	of	of	ADP
fbem-29740	139	7	the	the	DET
fbem-29740	139	8	financial	financial	ADJ
fbem-29740	139	9	system	system	NOUN
fbem-29740	139	10	:	:	PUNCT
fbem-29740	139	11	the	the	DET
fbem-29740	139	12	intervention	intervention	NOUN
fbem-29740	139	13	of	of	ADP
fbem-29740	139	14	the	the	DET
fbem-29740	139	15	deposit	deposit	NOUN
fbem-29740	139	16	insurance	insurance	NOUN
fbem-29740	139	17	system	system	NOUN
fbem-29740	139	18	is	be	AUX
fbem-29740	139	19	crucial	crucial	ADJ
fbem-29740	139	20	to	to	ADP
fbem-29740	139	21	maintaining	maintain	VERB
fbem-29740	139	22	the	the	DET
fbem-29740	139	23	stability	stability	NOUN
fbem-29740	139	24	of	of	ADP
fbem-29740	139	25	the	the	DET
fbem-29740	139	26	financial	financial	ADJ
fbem-29740	139	27	system	system	NOUN
fbem-29740	139	28	.	.	PUNCT
fbem-29740	140	1	in	in	ADP
fbem-29740	140	2	the	the	DET
fbem-29740	140	3	case	case	NOUN
fbem-29740	140	4	of	of	ADP
fbem-29740	140	5	the	the	DET
fbem-29740	140	6	baoshang	baoshang	PROPN
fbem-29740	140	7	bank	bank	PROPN
fbem-29740	140	8	bankruptcy	bankruptcy	NOUN
fbem-29740	140	9	,	,	PUNCT
fbem-29740	140	10	without	without	ADP
fbem-29740	140	11	the	the	DET
fbem-29740	140	12	intervention	intervention	NOUN
fbem-29740	140	13	of	of	ADP
fbem-29740	140	14	the	the	DET
fbem-29740	140	15	deposit	deposit	NOUN
fbem-29740	140	16	insurance	insurance	NOUN
fbem-29740	140	17	system	system	NOUN
fbem-29740	140	18	,	,	PUNCT
fbem-29740	140	19	depositors	depositor	NOUN
fbem-29740	140	20	might	might	AUX
fbem-29740	140	21	have	have	AUX
fbem-29740	140	22	faced	face	VERB
fbem-29740	140	23	the	the	DET
fbem-29740	140	24	risk	risk	NOUN
fbem-29740	140	25	of	of	ADP
fbem-29740	140	26	not	not	PART
fbem-29740	140	27	being	be	AUX
fbem-29740	140	28	able	able	ADJ
fbem-29740	140	29	to	to	PART
fbem-29740	140	30	retrieve	retrieve	VERB
fbem-29740	140	31	their	their	PRON
fbem-29740	140	32	deposits	deposit	NOUN
fbem-29740	140	33	,	,	PUNCT
fbem-29740	140	34	which	which	PRON
fbem-29740	140	35	might	might	AUX
fbem-29740	140	36	have	have	AUX
fbem-29740	140	37	triggered	trigger	VERB
fbem-29740	140	38	a	a	DET
fbem-29740	140	39	panicky	panicky	ADJ
fbem-29740	140	40	run	run	NOUN
fbem-29740	140	41	on	on	ADP
fbem-29740	140	42	the	the	DET
fbem-29740	140	43	bank	bank	NOUN
fbem-29740	140	44	and	and	CCONJ
fbem-29740	140	45	led	lead	VERB
fbem-29740	140	46	to	to	ADP
fbem-29740	140	47	further	further	ADJ
fbem-29740	140	48	turmoil	turmoil	NOUN
fbem-29740	140	49	in	in	ADP
fbem-29740	140	50	the	the	DET
fbem-29740	140	51	financial	financial	ADJ
fbem-29740	140	52	system	system	NOUN
fbem-29740	140	53	.	.	PUNCT
fbem-29740	141	1	the	the	DET
fbem-29740	141	2	payout	payout	ADJ
fbem-29740	141	3	measures	measure	NOUN
fbem-29740	141	4	of	of	ADP
fbem-29740	141	5	the	the	DET
fbem-29740	141	6	deposit	deposit	NOUN
fbem-29740	141	7	insurance	insurance	NOUN
fbem-29740	141	8	system	system	NOUN
fbem-29740	141	9	help	help	VERB
fbem-29740	141	10	to	to	PART
fbem-29740	141	11	avoid	avoid	VERB
fbem-29740	141	12	such	such	ADJ
fbem-29740	141	13	risks	risk	NOUN
fbem-29740	141	14	and	and	CCONJ
fbem-29740	141	15	maintain	maintain	VERB
fbem-29740	141	16	the	the	DET
fbem-29740	141	17	relative	relative	ADJ
fbem-29740	141	18	stability	stability	NOUN
fbem-29740	141	19	of	of	ADP
fbem-29740	141	20	the	the	DET
fbem-29740	141	21	financial	financial	ADJ
fbem-29740	141	22	system	system	NOUN
fbem-29740	141	23	.	.	PUNCT
fbem-29740	142	1	3	3	X
fbem-29740	142	2	.	.	X
fbem-29740	142	3	enhancing	enhance	VERB
fbem-29740	142	4	public	public	ADJ
fbem-29740	142	5	confidence	confidence	NOUN
fbem-29740	142	6	:	:	PUNCT
fbem-29740	142	7	the	the	DET
fbem-29740	142	8	intervention	intervention	NOUN
fbem-29740	142	9	of	of	ADP
fbem-29740	142	10	the	the	DET
fbem-29740	142	11	244	244	NUM
fbem-29740	142	12	deposit	deposit	NOUN
fbem-29740	142	13	insurance	insurance	NOUN
fbem-29740	142	14	system	system	NOUN
fbem-29740	142	15	plays	play	VERB
fbem-29740	142	16	an	an	DET
fbem-29740	142	17	important	important	ADJ
fbem-29740	142	18	role	role	NOUN
fbem-29740	142	19	in	in	ADP
fbem-29740	142	20	enhancing	enhance	VERB
fbem-29740	142	21	public	public	ADJ
fbem-29740	142	22	confidence	confidence	NOUN
fbem-29740	142	23	in	in	ADP
fbem-29740	142	24	the	the	DET
fbem-29740	142	25	banking	banking	NOUN
fbem-29740	142	26	system	system	NOUN
fbem-29740	142	27	.	.	PUNCT
fbem-29740	143	1	in	in	ADP
fbem-29740	143	2	the	the	DET
fbem-29740	143	3	case	case	NOUN
fbem-29740	143	4	of	of	ADP
fbem-29740	143	5	the	the	DET
fbem-29740	143	6	baoshang	baoshang	PROPN
fbem-29740	143	7	bank	bank	PROPN
fbem-29740	143	8	insolvency	insolvency	PROPN
fbem-29740	143	9	,	,	PUNCT
fbem-29740	143	10	the	the	DET
fbem-29740	143	11	prompt	prompt	ADJ
fbem-29740	143	12	payment	payment	NOUN
fbem-29740	143	13	of	of	ADP
fbem-29740	143	14	compensation	compensation	NOUN
fbem-29740	143	15	by	by	ADP
fbem-29740	143	16	the	the	DET
fbem-29740	143	17	deposit	deposit	NOUN
fbem-29740	143	18	insurance	insurance	NOUN
fbem-29740	143	19	system	system	NOUN
fbem-29740	143	20	sent	send	VERB
fbem-29740	143	21	a	a	DET
fbem-29740	143	22	clear	clear	ADJ
fbem-29740	143	23	message	message	NOUN
fbem-29740	143	24	that	that	SCONJ
fbem-29740	143	25	the	the	DET
fbem-29740	143	26	interests	interest	NOUN
fbem-29740	143	27	of	of	ADP
fbem-29740	143	28	depositors	depositor	NOUN
fbem-29740	143	29	were	be	AUX
fbem-29740	143	30	protected	protect	VERB
fbem-29740	143	31	.	.	PUNCT
fbem-29740	144	1	this	this	PRON
fbem-29740	144	2	helped	helped	AUX
fbem-29740	144	3	restore	restore	VERB
fbem-29740	144	4	public	public	ADJ
fbem-29740	144	5	confidence	confidence	NOUN
fbem-29740	144	6	in	in	ADP
fbem-29740	144	7	the	the	DET
fbem-29740	144	8	banking	banking	NOUN
fbem-29740	144	9	system	system	NOUN
fbem-29740	144	10	,	,	PUNCT
fbem-29740	144	11	reduced	reduce	VERB
fbem-29740	144	12	the	the	DET
fbem-29740	144	13	risk	risk	NOUN
fbem-29740	144	14	appetite	appetite	NOUN
fbem-29740	144	15	of	of	ADP
fbem-29740	144	16	the	the	DET
fbem-29740	144	17	financial	financial	ADJ
fbem-29740	144	18	system	system	NOUN
fbem-29740	144	19	and	and	CCONJ
fbem-29740	144	20	maintained	maintain	VERB
fbem-29740	144	21	the	the	DET
fbem-29740	144	22	stability	stability	NOUN
fbem-29740	144	23	of	of	ADP
fbem-29740	144	24	the	the	DET
fbem-29740	144	25	financial	financial	ADJ
fbem-29740	144	26	market	market	NOUN
fbem-29740	144	27	.	.	PUNCT
fbem-29740	145	1	4	4	X
fbem-29740	145	2	.	.	X
fbem-29740	145	3	regulating	regulate	VERB
fbem-29740	145	4	bank	bank	NOUN
fbem-29740	145	5	behavior	behavior	NOUN
fbem-29740	145	6	:	:	PUNCT
fbem-29740	145	7	the	the	DET
fbem-29740	145	8	existence	existence	NOUN
fbem-29740	145	9	and	and	CCONJ
fbem-29740	145	10	intervention	intervention	NOUN
fbem-29740	145	11	of	of	ADP
fbem-29740	145	12	the	the	DET
fbem-29740	145	13	deposit	deposit	NOUN
fbem-29740	145	14	insurance	insurance	NOUN
fbem-29740	145	15	system	system	NOUN
fbem-29740	145	16	has	have	VERB
fbem-29740	145	17	a	a	DET
fbem-29740	145	18	warning	warning	NOUN
fbem-29740	145	19	and	and	CCONJ
fbem-29740	145	20	restraining	restrain	VERB
fbem-29740	145	21	effect	effect	NOUN
fbem-29740	145	22	on	on	ADP
fbem-29740	145	23	regulating	regulate	VERB
fbem-29740	145	24	bank	bank	NOUN
fbem-29740	145	25	behavior	behavior	NOUN
fbem-29740	145	26	.	.	PUNCT
fbem-29740	146	1	in	in	ADP
fbem-29740	146	2	the	the	DET
fbem-29740	146	3	bankruptcy	bankruptcy	NOUN
fbem-29740	146	4	of	of	ADP
fbem-29740	146	5	baoshang	baoshang	PROPN
fbem-29740	146	6	bank	bank	PROPN
fbem-29740	146	7	,	,	PUNCT
fbem-29740	146	8	the	the	DET
fbem-29740	146	9	moral	moral	ADJ
fbem-29740	146	10	risk	risk	NOUN
fbem-29740	146	11	problem	problem	NOUN
fbem-29740	146	12	of	of	ADP
fbem-29740	146	13	banks	bank	NOUN
fbem-29740	146	14	was	be	AUX
fbem-29740	146	15	exposed	expose	VERB
fbem-29740	146	16	and	and	CCONJ
fbem-29740	146	17	punished	punish	VERB
fbem-29740	146	18	.	.	PUNCT
fbem-29740	147	1	this	this	DET
fbem-29740	147	2	incident	incident	NOUN
fbem-29740	147	3	sends	send	VERB
fbem-29740	147	4	a	a	DET
fbem-29740	147	5	clear	clear	ADJ
fbem-29740	147	6	signal	signal	NOUN
fbem-29740	147	7	to	to	ADP
fbem-29740	147	8	other	other	ADJ
fbem-29740	147	9	banks	bank	NOUN
fbem-29740	147	10	that	that	PRON
fbem-29740	147	11	violations	violation	NOUN
fbem-29740	147	12	of	of	ADP
fbem-29740	147	13	ethical	ethical	ADJ
fbem-29740	147	14	and	and	CCONJ
fbem-29740	147	15	risk	risk	NOUN
fbem-29740	147	16	management	management	NOUN
fbem-29740	147	17	principles	principle	NOUN
fbem-29740	147	18	will	will	AUX
fbem-29740	147	19	face	face	VERB
fbem-29740	147	20	serious	serious	ADJ
fbem-29740	147	21	consequences	consequence	NOUN
fbem-29740	147	22	,	,	PUNCT
fbem-29740	147	23	including	include	VERB
fbem-29740	147	24	the	the	DET
fbem-29740	147	25	possibility	possibility	NOUN
fbem-29740	147	26	of	of	ADP
fbem-29740	147	27	bankruptcy	bankruptcy	NOUN
fbem-29740	147	28	and	and	CCONJ
fbem-29740	147	29	the	the	DET
fbem-29740	147	30	involvement	involvement	NOUN
fbem-29740	147	31	of	of	ADP
fbem-29740	147	32	the	the	DET
fbem-29740	147	33	deposit	deposit	NOUN
fbem-29740	147	34	insurance	insurance	NOUN
fbem-29740	147	35	system	system	NOUN
fbem-29740	147	36	.	.	PUNCT
fbem-29740	148	1	this	this	PRON
fbem-29740	148	2	has	have	AUX
fbem-29740	148	3	had	have	VERB
fbem-29740	148	4	a	a	DET
fbem-29740	148	5	positive	positive	ADJ
fbem-29740	148	6	impact	impact	NOUN
fbem-29740	148	7	on	on	ADP
fbem-29740	148	8	prompting	prompt	VERB
fbem-29740	148	9	banks	bank	NOUN
fbem-29740	148	10	to	to	PART
fbem-29740	148	11	strengthen	strengthen	VERB
fbem-29740	148	12	their	their	PRON
fbem-29740	148	13	internal	internal	ADJ
fbem-29740	148	14	risk	risk	NOUN
fbem-29740	148	15	controls	control	NOUN
fbem-29740	148	16	and	and	CCONJ
fbem-29740	148	17	ethics	ethic	NOUN
fbem-29740	148	18	.	.	PUNCT
fbem-29740	149	1	in	in	ADP
fbem-29740	149	2	summary	summary	NOUN
fbem-29740	149	3	,	,	PUNCT
fbem-29740	149	4	the	the	DET
fbem-29740	149	5	deposit	deposit	NOUN
fbem-29740	149	6	insurance	insurance	NOUN
fbem-29740	149	7	system	system	NOUN
fbem-29740	149	8	played	play	VERB
fbem-29740	149	9	an	an	DET
fbem-29740	149	10	important	important	ADJ
fbem-29740	149	11	role	role	NOUN
fbem-29740	149	12	in	in	ADP
fbem-29740	149	13	the	the	DET
fbem-29740	149	14	baobab	baobab	PROPN
fbem-29740	149	15	bank	bank	PROPN
fbem-29740	149	16	insolvency	insolvency	NOUN
fbem-29740	149	17	.	.	PUNCT
fbem-29740	150	1	4.4	4.4	NUM
fbem-29740	150	2	.	.	PUNCT
fbem-29740	150	3	implications	implication	NOUN
fbem-29740	150	4	and	and	CCONJ
fbem-29740	150	5	conclusions	conclusion	NOUN
fbem-29740	150	6	of	of	ADP
fbem-29740	150	7	the	the	DET
fbem-29740	150	8	bankruptcy	bankruptcy	NOUN
fbem-29740	150	9	of	of	ADP
fbem-29740	150	10	baoshang	baoshang	PROPN
fbem-29740	150	11	bank	bank	PROPN
fbem-29740	150	12	the	the	DET
fbem-29740	150	13	bankruptcy	bankruptcy	NOUN
fbem-29740	150	14	of	of	ADP
fbem-29740	150	15	the	the	DET
fbem-29740	150	16	baoshang	baoshang	PROPN
fbem-29740	150	17	bank	bank	PROPN
fbem-29740	150	18	and	and	CCONJ
fbem-29740	150	19	the	the	DET
fbem-29740	150	20	intervention	intervention	NOUN
fbem-29740	150	21	of	of	ADP
fbem-29740	150	22	the	the	DET
fbem-29740	150	23	deposit	deposit	NOUN
fbem-29740	150	24	insurance	insurance	NOUN
fbem-29740	150	25	system	system	NOUN
fbem-29740	150	26	have	have	AUX
fbem-29740	150	27	provided	provide	VERB
fbem-29740	150	28	us	we	PRON
fbem-29740	150	29	with	with	ADP
fbem-29740	150	30	some	some	DET
fbem-29740	150	31	important	important	ADJ
fbem-29740	150	32	insights	insight	NOUN
fbem-29740	150	33	.	.	PUNCT
fbem-29740	151	1	first	first	ADV
fbem-29740	151	2	,	,	PUNCT
fbem-29740	151	3	moral	moral	ADJ
fbem-29740	151	4	hazard	hazard	NOUN
fbem-29740	151	5	poses	pose	VERB
fbem-29740	151	6	a	a	DET
fbem-29740	151	7	serious	serious	ADJ
fbem-29740	151	8	threat	threat	NOUN
fbem-29740	151	9	to	to	ADP
fbem-29740	151	10	the	the	DET
fbem-29740	151	11	stability	stability	NOUN
fbem-29740	151	12	and	and	CCONJ
fbem-29740	151	13	trustworthiness	trustworthiness	NOUN
fbem-29740	151	14	of	of	ADP
fbem-29740	151	15	the	the	DET
fbem-29740	151	16	banking	banking	NOUN
fbem-29740	151	17	sector	sector	NOUN
fbem-29740	151	18	,	,	PUNCT
fbem-29740	151	19	and	and	CCONJ
fbem-29740	151	20	there	there	PRON
fbem-29740	151	21	is	be	VERB
fbem-29740	151	22	a	a	DET
fbem-29740	151	23	need	need	NOUN
fbem-29740	151	24	to	to	PART
fbem-29740	151	25	strengthen	strengthen	VERB
fbem-29740	151	26	supervision	supervision	NOUN
fbem-29740	151	27	and	and	CCONJ
fbem-29740	151	28	risk	risk	NOUN
fbem-29740	151	29	management	management	NOUN
fbem-29740	151	30	measures	measure	NOUN
fbem-29740	151	31	to	to	PART
fbem-29740	151	32	prevent	prevent	VERB
fbem-29740	151	33	and	and	CCONJ
fbem-29740	151	34	mitigate	mitigate	VERB
fbem-29740	151	35	the	the	DET
fbem-29740	151	36	occurrence	occurrence	NOUN
fbem-29740	151	37	of	of	ADP
fbem-29740	151	38	moral	moral	ADJ
fbem-29740	151	39	hazard	hazard	NOUN
fbem-29740	151	40	.	.	PUNCT
fbem-29740	152	1	the	the	DET
fbem-29740	152	2	deposit	deposit	NOUN
fbem-29740	152	3	insurance	insurance	NOUN
fbem-29740	152	4	system	system	NOUN
fbem-29740	152	5	,	,	PUNCT
fbem-29740	152	6	as	as	ADP
fbem-29740	152	7	an	an	DET
fbem-29740	152	8	institutional	institutional	ADJ
fbem-29740	152	9	arrangement	arrangement	NOUN
fbem-29740	152	10	,	,	PUNCT
fbem-29740	152	11	can	can	AUX
fbem-29740	152	12	reduce	reduce	VERB
fbem-29740	152	13	the	the	DET
fbem-29740	152	14	probability	probability	NOUN
fbem-29740	152	15	of	of	ADP
fbem-29740	152	16	moral	moral	ADJ
fbem-29740	152	17	hazard	hazard	NOUN
fbem-29740	152	18	and	and	CCONJ
fbem-29740	152	19	provide	provide	VERB
fbem-29740	152	20	protection	protection	NOUN
fbem-29740	152	21	for	for	ADP
fbem-29740	152	22	affected	affected	ADJ
fbem-29740	152	23	depositors	depositor	NOUN
fbem-29740	152	24	.	.	PUNCT
fbem-29740	153	1	secondly	secondly	ADV
fbem-29740	153	2	,	,	PUNCT
fbem-29740	153	3	the	the	DET
fbem-29740	153	4	effectiveness	effectiveness	NOUN
fbem-29740	153	5	of	of	ADP
fbem-29740	153	6	the	the	DET
fbem-29740	153	7	deposit	deposit	NOUN
fbem-29740	153	8	insurance	insurance	NOUN
fbem-29740	153	9	system	system	NOUN
fbem-29740	153	10	needs	need	VERB
fbem-29740	153	11	to	to	PART
fbem-29740	153	12	be	be	AUX
fbem-29740	153	13	continuously	continuously	ADV
fbem-29740	153	14	enhanced	enhance	VERB
fbem-29740	153	15	.	.	PUNCT
fbem-29740	154	1	in	in	ADP
fbem-29740	154	2	the	the	DET
fbem-29740	154	3	bankruptcy	bankruptcy	NOUN
fbem-29740	154	4	of	of	ADP
fbem-29740	154	5	baoshang	baoshang	PROPN
fbem-29740	154	6	bank	bank	PROPN
fbem-29740	154	7	,	,	PUNCT
fbem-29740	154	8	although	although	SCONJ
fbem-29740	154	9	the	the	DET
fbem-29740	154	10	deposit	deposit	NOUN
fbem-29740	154	11	insurance	insurance	NOUN
fbem-29740	154	12	system	system	NOUN
fbem-29740	154	13	played	play	VERB
fbem-29740	154	14	an	an	DET
fbem-29740	154	15	important	important	ADJ
fbem-29740	154	16	role	role	NOUN
fbem-29740	154	17	,	,	PUNCT
fbem-29740	154	18	it	it	PRON
fbem-29740	154	19	also	also	ADV
fbem-29740	154	20	faced	face	VERB
fbem-29740	154	21	some	some	DET
fbem-29740	154	22	challenges	challenge	NOUN
fbem-29740	154	23	and	and	CCONJ
fbem-29740	154	24	limitations	limitation	NOUN
fbem-29740	154	25	.	.	PUNCT
fbem-29740	155	1	these	these	PRON
fbem-29740	155	2	include	include	VERB
fbem-29740	155	3	the	the	DET
fbem-29740	155	4	improvement	improvement	NOUN
fbem-29740	155	5	of	of	ADP
fbem-29740	155	6	the	the	DET
fbem-29740	155	7	deposit	deposit	NOUN
fbem-29740	155	8	insurance	insurance	NOUN
fbem-29740	155	9	system	system	NOUN
fbem-29740	155	10	's	's	PART
fbem-29740	155	11	funding	funding	NOUN
fbem-29740	155	12	source	source	NOUN
fbem-29740	155	13	,	,	PUNCT
fbem-29740	155	14	payout	payout	ADJ
fbem-29740	155	15	ratio	ratio	NOUN
fbem-29740	155	16	,	,	PUNCT
fbem-29740	155	17	and	and	CCONJ
fbem-29740	155	18	payout	payout	ADJ
fbem-29740	155	19	speed	speed	NOUN
fbem-29740	155	20	.	.	PUNCT
fbem-29740	156	1	in	in	ADP
fbem-29740	156	2	addition	addition	NOUN
fbem-29740	156	3	,	,	PUNCT
fbem-29740	156	4	there	there	PRON
fbem-29740	156	5	is	be	VERB
fbem-29740	156	6	a	a	DET
fbem-29740	156	7	need	need	NOUN
fbem-29740	156	8	to	to	PART
fbem-29740	156	9	strengthen	strengthen	VERB
fbem-29740	156	10	the	the	DET
fbem-29740	156	11	risk	risk	NOUN
fbem-29740	156	12	assessment	assessment	NOUN
fbem-29740	156	13	and	and	CCONJ
fbem-29740	156	14	monitoring	monitoring	NOUN
fbem-29740	156	15	of	of	ADP
fbem-29740	156	16	banks	bank	NOUN
fbem-29740	156	17	,	,	PUNCT
fbem-29740	156	18	and	and	CCONJ
fbem-29740	156	19	to	to	PART
fbem-29740	156	20	identify	identify	VERB
fbem-29740	156	21	and	and	CCONJ
fbem-29740	156	22	respond	respond	VERB
fbem-29740	156	23	to	to	ADP
fbem-29740	156	24	potential	potential	ADJ
fbem-29740	156	25	moral	moral	ADJ
fbem-29740	156	26	hazard	hazard	NOUN
fbem-29740	156	27	problems	problem	NOUN
fbem-29740	156	28	in	in	ADP
fbem-29740	156	29	a	a	DET
fbem-29740	156	30	timely	timely	ADJ
fbem-29740	156	31	manner	manner	NOUN
fbem-29740	156	32	.	.	PUNCT
fbem-29740	157	1	in	in	ADP
fbem-29740	157	2	summary	summary	NOUN
fbem-29740	157	3	,	,	PUNCT
fbem-29740	157	4	the	the	DET
fbem-29740	157	5	deposit	deposit	NOUN
fbem-29740	157	6	insurance	insurance	NOUN
fbem-29740	157	7	system	system	NOUN
fbem-29740	157	8	has	have	AUX
fbem-29740	157	9	played	play	VERB
fbem-29740	157	10	an	an	DET
fbem-29740	157	11	important	important	ADJ
fbem-29740	157	12	role	role	NOUN
fbem-29740	157	13	in	in	ADP
fbem-29740	157	14	the	the	DET
fbem-29740	157	15	bankruptcy	bankruptcy	NOUN
fbem-29740	157	16	of	of	ADP
fbem-29740	157	17	baoshang	baoshang	PROPN
fbem-29740	157	18	bank	bank	PROPN
fbem-29740	157	19	,	,	PUNCT
fbem-29740	157	20	mitigating	mitigate	VERB
fbem-29740	157	21	the	the	DET
fbem-29740	157	22	financial	financial	ADJ
fbem-29740	157	23	losses	loss	NOUN
fbem-29740	157	24	of	of	ADP
fbem-29740	157	25	affected	affect	VERB
fbem-29740	157	26	depositors	depositor	NOUN
fbem-29740	157	27	and	and	CCONJ
fbem-29740	157	28	facilitating	facilitate	VERB
fbem-29740	157	29	the	the	DET
fbem-29740	157	30	reorganization	reorganization	NOUN
fbem-29740	157	31	and	and	CCONJ
fbem-29740	157	32	consolidation	consolidation	NOUN
fbem-29740	157	33	of	of	ADP
fbem-29740	157	34	the	the	DET
fbem-29740	157	35	bank	bank	NOUN
fbem-29740	157	36	.	.	PUNCT
fbem-29740	158	1	however	however	ADV
fbem-29740	158	2	,	,	PUNCT
fbem-29740	158	3	in	in	ADP
fbem-29740	158	4	order	order	NOUN
fbem-29740	158	5	to	to	PART
fbem-29740	158	6	further	far	ADV
fbem-29740	158	7	enhance	enhance	VERB
fbem-29740	158	8	the	the	DET
fbem-29740	158	9	effectiveness	effectiveness	NOUN
fbem-29740	158	10	of	of	ADP
fbem-29740	158	11	the	the	DET
fbem-29740	158	12	deposit	deposit	NOUN
fbem-29740	158	13	insurance	insurance	NOUN
fbem-29740	158	14	system	system	NOUN
fbem-29740	158	15	,	,	PUNCT
fbem-29740	158	16	there	there	PRON
fbem-29740	158	17	is	be	VERB
fbem-29740	158	18	a	a	DET
fbem-29740	158	19	need	need	NOUN
fbem-29740	158	20	to	to	PART
fbem-29740	158	21	strengthen	strengthen	VERB
fbem-29740	158	22	financial	financial	ADJ
fbem-29740	158	23	supervision	supervision	NOUN
fbem-29740	158	24	and	and	CCONJ
fbem-29740	158	25	risk	risk	NOUN
fbem-29740	158	26	management	management	NOUN
fbem-29740	158	27	measures	measure	NOUN
fbem-29740	158	28	,	,	PUNCT
fbem-29740	158	29	and	and	CCONJ
fbem-29740	158	30	to	to	PART
fbem-29740	158	31	improve	improve	VERB
fbem-29740	158	32	the	the	DET
fbem-29740	158	33	internal	internal	ADJ
fbem-29740	158	34	governance	governance	NOUN
fbem-29740	158	35	and	and	CCONJ
fbem-29740	158	36	ethics	ethic	NOUN
fbem-29740	158	37	of	of	ADP
fbem-29740	158	38	banks	bank	NOUN
fbem-29740	158	39	.	.	PUNCT
fbem-29740	159	1	only	only	ADV
fbem-29740	159	2	through	through	ADP
fbem-29740	159	3	the	the	DET
fbem-29740	159	4	implementation	implementation	NOUN
fbem-29740	159	5	of	of	ADP
fbem-29740	159	6	comprehensive	comprehensive	ADJ
fbem-29740	159	7	measures	measure	NOUN
fbem-29740	159	8	can	can	AUX
fbem-29740	159	9	moral	moral	VERB
fbem-29740	159	10	hazard	hazard	NOUN
fbem-29740	159	11	in	in	ADP
fbem-29740	159	12	banks	bank	NOUN
fbem-29740	159	13	be	be	AUX
fbem-29740	159	14	better	well	ADV
fbem-29740	159	15	mitigated	mitigate	VERB
fbem-29740	159	16	and	and	CCONJ
fbem-29740	159	17	the	the	DET
fbem-29740	159	18	stability	stability	NOUN
fbem-29740	159	19	and	and	CCONJ
fbem-29740	159	20	sustainability	sustainability	NOUN
fbem-29740	159	21	of	of	ADP
fbem-29740	159	22	the	the	DET
fbem-29740	159	23	financial	financial	ADJ
fbem-29740	159	24	system	system	NOUN
fbem-29740	159	25	be	be	AUX
fbem-29740	159	26	safeguarded	safeguard	VERB
fbem-29740	159	27	.	.	PUNCT
fbem-29740	160	1	5	5	X
fbem-29740	160	2	.	.	X
fbem-29740	160	3	countermeasures	countermeasure	NOUN
fbem-29740	160	4	and	and	CCONJ
fbem-29740	160	5	suggestions	suggestion	NOUN
fbem-29740	160	6	to	to	PART
fbem-29740	160	7	prevent	prevent	VERB
fbem-29740	160	8	moral	moral	ADJ
fbem-29740	160	9	hazard	hazard	NOUN
fbem-29740	160	10	in	in	ADP
fbem-29740	160	11	commercial	commercial	ADJ
fbem-29740	160	12	banks	bank	NOUN
fbem-29740	160	13	under	under	ADP
fbem-29740	160	14	deposit	deposit	NOUN
fbem-29740	160	15	insurance	insurance	NOUN
fbem-29740	160	16	system	system	NOUN
fbem-29740	160	17	5.1	5.1	NUM
fbem-29740	160	18	.	.	PUNCT
fbem-29740	161	1	operational	operational	ADJ
fbem-29740	161	2	environment	environment	NOUN
fbem-29740	161	3	factors	factor	NOUN
fbem-29740	161	4	affecting	affect	VERB
fbem-29740	161	5	the	the	DET
fbem-29740	161	6	effectiveness	effectiveness	NOUN
fbem-29740	161	7	of	of	ADP
fbem-29740	161	8	a	a	DET
fbem-29740	161	9	deposit	deposit	NOUN
fbem-29740	161	10	insurance	insurance	NOUN
fbem-29740	161	11	system	system	NOUN
fbem-29740	161	12	include	include	VERB
fbem-29740	161	13	the	the	DET
fbem-29740	161	14	operating	operating	NOUN
fbem-29740	161	15	environment	environment	NOUN
fbem-29740	161	16	,	,	PUNCT
fbem-29740	161	17	which	which	PRON
fbem-29740	161	18	is	be	AUX
fbem-29740	161	19	divided	divide	VERB
fbem-29740	161	20	into	into	ADP
fbem-29740	161	21	general	general	ADJ
fbem-29740	161	22	business	business	NOUN
fbem-29740	161	23	conditions	condition	NOUN
fbem-29740	161	24	,	,	PUNCT
fbem-29740	161	25	financial	financial	ADJ
fbem-29740	161	26	system	system	NOUN
fbem-29740	161	27	structure	structure	NOUN
fbem-29740	161	28	,	,	PUNCT
fbem-29740	161	29	prudential	prudential	ADJ
fbem-29740	161	30	regulations	regulation	NOUN
fbem-29740	161	31	,	,	PUNCT
fbem-29740	161	32	and	and	CCONJ
fbem-29740	161	33	accounting	accounting	NOUN
fbem-29740	161	34	and	and	CCONJ
fbem-29740	161	35	disclosure	disclosure	NOUN
fbem-29740	161	36	systems	system	NOUN
fbem-29740	161	37	.	.	PUNCT
fbem-29740	162	1	although	although	SCONJ
fbem-29740	162	2	much	much	ADJ
fbem-29740	162	3	of	of	ADP
fbem-29740	162	4	the	the	DET
fbem-29740	162	5	operating	operating	NOUN
fbem-29740	162	6	environment	environment	NOUN
fbem-29740	162	7	is	be	AUX
fbem-29740	162	8	outside	outside	ADP
fbem-29740	162	9	the	the	DET
fbem-29740	162	10	scope	scope	NOUN
fbem-29740	162	11	of	of	ADP
fbem-29740	162	12	the	the	DET
fbem-29740	162	13	deposit	deposit	NOUN
fbem-29740	162	14	insurance	insurance	NOUN
fbem-29740	162	15	system	system	NOUN
fbem-29740	162	16	,	,	PUNCT
fbem-29740	162	17	it	it	PRON
fbem-29740	162	18	influences	influence	VERB
fbem-29740	162	19	the	the	DET
fbem-29740	162	20	ability	ability	NOUN
fbem-29740	162	21	of	of	ADP
fbem-29740	162	22	the	the	DET
fbem-29740	162	23	dis	dis	PROPN
fbem-29740	162	24	to	to	PART
fbem-29740	162	25	carry	carry	VERB
fbem-29740	162	26	out	out	ADP
fbem-29740	162	27	its	its	PRON
fbem-29740	162	28	responsibilities	responsibility	NOUN
fbem-29740	162	29	and	and	CCONJ
fbem-29740	162	30	decisions	decision	NOUN
fbem-29740	162	31	to	to	PART
fbem-29740	162	32	protect	protect	VERB
fbem-29740	162	33	depositors	depositor	NOUN
fbem-29740	162	34	and	and	CCONJ
fbem-29740	162	35	stabilize	stabilize	VERB
fbem-29740	162	36	the	the	DET
fbem-29740	162	37	financial	financial	ADJ
fbem-29740	162	38	system	system	NOUN
fbem-29740	162	39	.	.	PUNCT
fbem-29740	163	1	5.1.1	5.1.1	X
fbem-29740	163	2	.	.	PUNCT
fbem-29740	163	3	general	general	ADJ
fbem-29740	163	4	economic	economic	ADJ
fbem-29740	163	5	conditions	condition	NOUN
fbem-29740	163	6	general	general	ADJ
fbem-29740	163	7	business	business	NOUN
fbem-29740	163	8	conditions	condition	NOUN
fbem-29740	163	9	affect	affect	VERB
fbem-29740	163	10	market	market	NOUN
fbem-29740	163	11	efficiency	efficiency	NOUN
fbem-29740	163	12	,	,	PUNCT
fbem-29740	163	13	the	the	DET
fbem-29740	163	14	intermediation	intermediation	NOUN
fbem-29740	163	15	function	function	NOUN
fbem-29740	163	16	of	of	ADP
fbem-29740	163	17	the	the	DET
fbem-29740	163	18	financial	financial	ADJ
fbem-29740	163	19	system	system	NOUN
fbem-29740	163	20	,	,	PUNCT
fbem-29740	163	21	and	and	CCONJ
fbem-29740	163	22	economic	economic	ADJ
fbem-29740	163	23	growth	growth	NOUN
fbem-29740	163	24	.	.	PUNCT
fbem-29740	164	1	continued	continue	VERB
fbem-29740	164	2	economic	economic	ADJ
fbem-29740	164	3	instability	instability	NOUN
fbem-29740	164	4	can	can	AUX
fbem-29740	164	5	affect	affect	VERB
fbem-29740	164	6	market	market	NOUN
fbem-29740	164	7	functioning	functioning	NOUN
fbem-29740	164	8	and	and	CCONJ
fbem-29740	164	9	the	the	DET
fbem-29740	164	10	ability	ability	NOUN
fbem-29740	164	11	of	of	ADP
fbem-29740	164	12	financial	financial	ADJ
fbem-29740	164	13	institutions	institution	NOUN
fbem-29740	164	14	to	to	PART
fbem-29740	164	15	absorb	absorb	VERB
fbem-29740	164	16	and	and	CCONJ
fbem-29740	164	17	manage	manage	VERB
fbem-29740	164	18	risk	risk	NOUN
fbem-29740	164	19	.	.	PUNCT
fbem-29740	165	1	during	during	ADP
fbem-29740	165	2	periods	period	NOUN
fbem-29740	165	3	of	of	ADP
fbem-29740	165	4	economic	economic	ADJ
fbem-29740	165	5	instability	instability	NOUN
fbem-29740	165	6	,	,	PUNCT
fbem-29740	165	7	market	market	NOUN
fbem-29740	165	8	volatility	volatility	NOUN
fbem-29740	165	9	may	may	AUX
fbem-29740	165	10	lead	lead	VERB
fbem-29740	165	11	to	to	ADP
fbem-29740	165	12	creditor	creditor	NOUN
fbem-29740	165	13	runs	run	NOUN
fbem-29740	165	14	,	,	PUNCT
fbem-29740	165	15	and	and	CCONJ
fbem-29740	165	16	in	in	ADP
fbem-29740	165	17	particular	particular	ADJ
fbem-29740	165	18	,	,	PUNCT
fbem-29740	165	19	uncertainty	uncertainty	NOUN
fbem-29740	165	20	about	about	ADP
fbem-29740	165	21	future	future	ADJ
fbem-29740	165	22	price	price	NOUN
fbem-29740	165	23	movements	movement	NOUN
fbem-29740	165	24	in	in	ADP
fbem-29740	165	25	assets	asset	NOUN
fbem-29740	165	26	,	,	PUNCT
fbem-29740	165	27	exchange	exchange	NOUN
fbem-29740	165	28	rates	rate	NOUN
fbem-29740	165	29	,	,	PUNCT
fbem-29740	165	30	etc	etc	X
fbem-29740	165	31	.	.	X
fbem-29740	165	32	,	,	PUNCT
fbem-29740	165	33	makes	make	VERB
fbem-29740	165	34	it	it	PRON
fbem-29740	165	35	difficult	difficult	ADJ
fbem-29740	165	36	for	for	SCONJ
fbem-29740	165	37	financial	financial	ADJ
fbem-29740	165	38	institutions	institution	NOUN
fbem-29740	165	39	to	to	PART
fbem-29740	165	40	continue	continue	VERB
fbem-29740	165	41	to	to	PART
fbem-29740	165	42	operate	operate	VERB
fbem-29740	165	43	.	.	PUNCT
fbem-29740	166	1	therefore	therefore	ADV
fbem-29740	166	2	,	,	PUNCT
fbem-29740	166	3	the	the	DET
fbem-29740	166	4	core	core	NOUN
fbem-29740	166	5	principle	principle	NOUN
fbem-29740	166	6	is	be	AUX
fbem-29740	166	7	that	that	SCONJ
fbem-29740	166	8	banks	bank	NOUN
fbem-29740	166	9	are	be	AUX
fbem-29740	166	10	required	require	VERB
fbem-29740	166	11	to	to	PART
fbem-29740	166	12	have	have	VERB
fbem-29740	166	13	a	a	DET
fbem-29740	166	14	larger	large	ADJ
fbem-29740	166	15	-	-	PUNCT
fbem-29740	166	16	than	than	ADP
fbem-29740	166	17	-	-	PUNCT
fbem-29740	166	18	usual	usual	ADJ
fbem-29740	166	19	amount	amount	NOUN
fbem-29740	166	20	of	of	ADP
fbem-29740	166	21	deposit	deposit	NOUN
fbem-29740	166	22	protection	protection	NOUN
fbem-29740	166	23	funds	fund	NOUN
fbem-29740	166	24	,	,	PUNCT
fbem-29740	166	25	a	a	DET
fbem-29740	166	26	more	more	ADV
fbem-29740	166	27	reliable	reliable	ADJ
fbem-29740	166	28	emergency	emergency	NOUN
fbem-29740	166	29	funding	funding	NOUN
fbem-29740	166	30	pipeline	pipeline	NOUN
fbem-29740	166	31	,	,	PUNCT
fbem-29740	166	32	and	and	CCONJ
fbem-29740	166	33	to	to	PART
fbem-29740	166	34	work	work	VERB
fbem-29740	166	35	closely	closely	ADV
fbem-29740	166	36	with	with	ADP
fbem-29740	166	37	other	other	ADJ
fbem-29740	166	38	members	member	NOUN
fbem-29740	166	39	of	of	ADP
fbem-29740	166	40	the	the	DET
fbem-29740	166	41	financial	financial	ADJ
fbem-29740	166	42	safety	safety	NOUN
fbem-29740	166	43	net	net	NOUN
fbem-29740	166	44	in	in	ADP
fbem-29740	166	45	order	order	NOUN
fbem-29740	166	46	to	to	PART
fbem-29740	166	47	strengthen	strengthen	VERB
fbem-29740	166	48	financial	financial	ADJ
fbem-29740	166	49	stability	stability	NOUN
fbem-29740	166	50	.	.	PUNCT
fbem-29740	167	1	5.1.2	5.1.2	X
fbem-29740	167	2	.	.	PUNCT
fbem-29740	167	3	financial	financial	ADJ
fbem-29740	167	4	system	system	NOUN
fbem-29740	167	5	structure	structure	NOUN
fbem-29740	167	6	(	(	PUNCT
fbem-29740	167	7	1	1	X
fbem-29740	167	8	)	)	PUNCT
fbem-29740	167	9	assessment	assessment	NOUN
fbem-29740	167	10	of	of	ADP
fbem-29740	167	11	bank	bank	NOUN
fbem-29740	167	12	soundness	soundness	NOUN
fbem-29740	167	13	:	:	PUNCT
fbem-29740	167	14	covering	cover	VERB
fbem-29740	167	15	capital	capital	NOUN
fbem-29740	167	16	adequacy	adequacy	NOUN
fbem-29740	167	17	,	,	PUNCT
fbem-29740	167	18	liquidity	liquidity	NOUN
fbem-29740	167	19	,	,	PUNCT
fbem-29740	167	20	and	and	CCONJ
fbem-29740	167	21	credit	credit	NOUN
fbem-29740	167	22	quality	quality	NOUN
fbem-29740	167	23	;	;	PUNCT
fbem-29740	167	24	the	the	DET
fbem-29740	167	25	dps	dps	NOUN
fbem-29740	167	26	should	should	AUX
fbem-29740	167	27	maintain	maintain	VERB
fbem-29740	167	28	adequate	adequate	ADJ
fbem-29740	167	29	resources	resource	NOUN
fbem-29740	167	30	,	,	PUNCT
fbem-29740	167	31	improve	improve	VERB
fbem-29740	167	32	its	its	PRON
fbem-29740	167	33	ability	ability	NOUN
fbem-29740	167	34	to	to	PART
fbem-29740	167	35	identify	identify	VERB
fbem-29740	167	36	risky	risky	ADJ
fbem-29740	167	37	assets	asset	NOUN
fbem-29740	167	38	,	,	PUNCT
fbem-29740	167	39	and	and	CCONJ
fbem-29740	167	40	strengthen	strengthen	VERB
fbem-29740	167	41	the	the	DET
fbem-29740	167	42	relationship	relationship	NOUN
fbem-29740	167	43	between	between	ADP
fbem-29740	167	44	the	the	DET
fbem-29740	167	45	dps	dps	NOUN
fbem-29740	167	46	and	and	CCONJ
fbem-29740	167	47	other	other	ADJ
fbem-29740	167	48	financial	financial	ADJ
fbem-29740	167	49	safety	safety	NOUN
fbem-29740	167	50	net	net	ADJ
fbem-29740	167	51	members	member	NOUN
fbem-29740	167	52	.	.	PUNCT
fbem-29740	168	1	(	(	PUNCT
fbem-29740	168	2	2	2	X
fbem-29740	168	3	)	)	PUNCT
fbem-29740	168	4	structural	structural	ADJ
fbem-29740	168	5	aspects	aspect	NOUN
fbem-29740	168	6	of	of	ADP
fbem-29740	168	7	financial	financial	ADJ
fbem-29740	168	8	institutions	institution	NOUN
fbem-29740	168	9	:	:	PUNCT
fbem-29740	168	10	the	the	DET
fbem-29740	168	11	number	number	NOUN
fbem-29740	168	12	,	,	PUNCT
fbem-29740	168	13	shape	shape	NOUN
fbem-29740	168	14	and	and	CCONJ
fbem-29740	168	15	characteristics	characteristic	NOUN
fbem-29740	168	16	of	of	ADP
fbem-29740	168	17	banks	bank	NOUN
fbem-29740	168	18	,	,	PUNCT
fbem-29740	168	19	etc	etc	X
fbem-29740	168	20	.	.	X
fbem-29740	168	21	,	,	PUNCT
fbem-29740	168	22	as	as	ADV
fbem-29740	168	23	well	well	ADV
fbem-29740	168	24	as	as	ADP
fbem-29740	168	25	the	the	DET
fbem-29740	168	26	types	type	NOUN
fbem-29740	168	27	of	of	ADP
fbem-29740	168	28	protected	protect	VERB
fbem-29740	168	29	deposits	deposit	NOUN
fbem-29740	168	30	and	and	CCONJ
fbem-29740	168	31	depositors	depositor	NOUN
fbem-29740	168	32	.	.	PUNCT
fbem-29740	169	1	these	these	DET
fbem-29740	169	2	factors	factor	NOUN
fbem-29740	169	3	may	may	AUX
fbem-29740	169	4	cause	cause	VERB
fbem-29740	169	5	danger	danger	NOUN
fbem-29740	169	6	contagion	contagion	NOUN
fbem-29740	169	7	to	to	ADP
fbem-29740	169	8	the	the	DET
fbem-29740	169	9	assessment	assessment	NOUN
fbem-29740	169	10	of	of	ADP
fbem-29740	169	11	the	the	DET
fbem-29740	169	12	dps	dps	NOUN
fbem-29740	169	13	's	's	PART
fbem-29740	169	14	operational	operational	ADJ
fbem-29740	169	15	effectiveness	effectiveness	NOUN
fbem-29740	169	16	,	,	PUNCT
fbem-29740	169	17	and	and	CCONJ
fbem-29740	169	18	the	the	DET
fbem-29740	169	19	interconnection	interconnection	NOUN
fbem-29740	169	20	,	,	PUNCT
fbem-29740	169	21	competition	competition	NOUN
fbem-29740	169	22	,	,	PUNCT
fbem-29740	169	23	and	and	CCONJ
fbem-29740	169	24	concentration	concentration	NOUN
fbem-29740	169	25	of	of	ADP
fbem-29740	169	26	banks	bank	NOUN
fbem-29740	169	27	may	may	AUX
fbem-29740	169	28	cause	cause	VERB
fbem-29740	169	29	danger	danger	NOUN
fbem-29740	169	30	contagion	contagion	NOUN
fbem-29740	169	31	,	,	PUNCT
fbem-29740	169	32	so	so	SCONJ
fbem-29740	169	33	these	these	DET
fbem-29740	169	34	aspects	aspect	NOUN
fbem-29740	169	35	should	should	AUX
fbem-29740	169	36	be	be	AUX
fbem-29740	169	37	strengthened	strengthen	VERB
fbem-29740	169	38	and	and	CCONJ
fbem-29740	169	39	regulated	regulate	VERB
fbem-29740	169	40	.	.	PUNCT
fbem-29740	170	1	5.1.3	5.1.3	X
fbem-29740	170	2	.	.	PUNCT
fbem-29740	170	3	prudential	prudential	PROPN
fbem-29740	170	4	regulations	regulations	PROPN
fbem-29740	170	5	and	and	CCONJ
fbem-29740	170	6	treatment	treatment	NOUN
fbem-29740	170	7	mechanism	mechanism	NOUN
fbem-29740	170	8	perfect	perfect	VERB
fbem-29740	170	9	prudential	prudential	ADJ
fbem-29740	170	10	regulations	regulation	NOUN
fbem-29740	170	11	are	be	AUX
fbem-29740	170	12	an	an	DET
fbem-29740	170	13	important	important	ADJ
fbem-29740	170	14	factor	factor	NOUN
fbem-29740	170	15	in	in	ADP
fbem-29740	170	16	reducing	reduce	VERB
fbem-29740	170	17	moral	moral	ADJ
fbem-29740	170	18	hazard	hazard	NOUN
fbem-29740	170	19	,	,	PUNCT
fbem-29740	170	20	when	when	SCONJ
fbem-29740	170	21	the	the	DET
fbem-29740	170	22	shareholders	shareholder	NOUN
fbem-29740	170	23	of	of	ADP
fbem-29740	170	24	financial	financial	ADJ
fbem-29740	170	25	institutions	institution	NOUN
fbem-29740	170	26	feel	feel	VERB
fbem-29740	170	27	that	that	SCONJ
fbem-29740	170	28	problems	problem	NOUN
fbem-29740	170	29	occur	occur	VERB
fbem-29740	170	30	in	in	ADP
fbem-29740	170	31	the	the	DET
fbem-29740	170	32	operation	operation	NOUN
fbem-29740	170	33	of	of	ADP
fbem-29740	170	34	the	the	DET
fbem-29740	170	35	bank	bank	NOUN
fbem-29740	170	36	,	,	PUNCT
fbem-29740	170	37	but	but	CCONJ
fbem-29740	170	38	the	the	DET
fbem-29740	170	39	regulator	regulator	NOUN
fbem-29740	170	40	does	do	AUX
fbem-29740	170	41	not	not	PART
fbem-29740	170	42	sanction	sanction	VERB
fbem-29740	170	43	them	they	PRON
fbem-29740	170	44	,	,	PUNCT
fbem-29740	170	45	the	the	DET
fbem-29740	170	46	bank	bank	NOUN
fbem-29740	170	47	will	will	AUX
fbem-29740	170	48	increase	increase	VERB
fbem-29740	170	49	the	the	DET
fbem-29740	170	50	issuance	issuance	NOUN
fbem-29740	170	51	of	of	ADP
fbem-29740	170	52	non	non	ADJ
fbem-29740	170	53	-	-	ADJ
fbem-29740	170	54	performing	performing	ADJ
fbem-29740	170	55	loans	loan	NOUN
fbem-29740	170	56	,	,	PUNCT
fbem-29740	170	57	which	which	PRON
fbem-29740	170	58	will	will	AUX
fbem-29740	170	59	lead	lead	VERB
fbem-29740	170	60	to	to	ADP
fbem-29740	170	61	the	the	DET
fbem-29740	170	62	obstruction	obstruction	NOUN
fbem-29740	170	63	of	of	ADP
fbem-29740	170	64	economic	economic	ADJ
fbem-29740	170	65	development	development	NOUN
fbem-29740	170	66	.	.	PUNCT
fbem-29740	171	1	intervention	intervention	NOUN
fbem-29740	171	2	measures	measure	NOUN
fbem-29740	171	3	should	should	AUX
fbem-29740	171	4	be	be	AUX
fbem-29740	171	5	required	require	VERB
fbem-29740	171	6	to	to	PART
fbem-29740	171	7	target	target	VERB
fbem-29740	171	8	poorly	poorly	ADV
fbem-29740	171	9	run	run	VERB
fbem-29740	171	10	banks	bank	NOUN
fbem-29740	171	11	so	so	SCONJ
fbem-29740	171	12	that	that	SCONJ
fbem-29740	171	13	the	the	DET
fbem-29740	171	14	cost	cost	NOUN
fbem-29740	171	15	of	of	ADP
fbem-29740	171	16	dealing	deal	VERB
fbem-29740	171	17	with	with	ADP
fbem-29740	171	18	problem	problem	NOUN
fbem-29740	171	19	banks	bank	NOUN
fbem-29740	171	20	and	and	CCONJ
fbem-29740	171	21	the	the	DET
fbem-29740	171	22	cost	cost	NOUN
fbem-29740	171	23	of	of	ADP
fbem-29740	171	24	paying	pay	VERB
fbem-29740	171	25	out	out	ADP
fbem-29740	171	26	on	on	ADP
fbem-29740	171	27	deposits	deposit	NOUN
fbem-29740	171	28	and	and	CCONJ
fbem-29740	171	29	insurance	insurance	NOUN
fbem-29740	171	30	will	will	AUX
fbem-29740	171	31	increase	increase	VERB
fbem-29740	171	32	,	,	PUNCT
fbem-29740	171	33	thus	thus	ADV
fbem-29740	171	34	restraining	restrain	VERB
fbem-29740	171	35	their	their	PRON
fbem-29740	171	36	bad	bad	ADJ
fbem-29740	171	37	behavior	behavior	NOUN
fbem-29740	171	38	.	.	PUNCT
fbem-29740	172	1	5.1.4	5.1.4	X
fbem-29740	172	2	.	.	PUNCT
fbem-29740	172	3	accounting	accounting	NOUN
fbem-29740	172	4	and	and	CCONJ
fbem-29740	172	5	disclosure	disclosure	NOUN
fbem-29740	172	6	mechanisms	mechanism	NOUN
fbem-29740	172	7	a	a	DET
fbem-29740	172	8	well	well	ADV
fbem-29740	172	9	-	-	PUNCT
fbem-29740	172	10	developed	develop	VERB
fbem-29740	172	11	accounting	accounting	NOUN
fbem-29740	172	12	and	and	CCONJ
fbem-29740	172	13	disclosure	disclosure	NOUN
fbem-29740	172	14	mechanism	mechanism	NOUN
fbem-29740	172	15	is	be	AUX
fbem-29740	172	16	important	important	ADJ
fbem-29740	172	17	for	for	ADP
fbem-29740	172	18	effectively	effectively	ADV
fbem-29740	172	19	assessing	assess	VERB
fbem-29740	172	20	the	the	DET
fbem-29740	172	21	risks	risk	NOUN
fbem-29740	172	22	of	of	ADP
fbem-29740	172	23	a	a	DET
fbem-29740	172	24	deposit	deposit	NOUN
fbem-29740	172	25	insurance	insurance	NOUN
fbem-29740	172	26	system	system	NOUN
fbem-29740	172	27	.	.	PUNCT
fbem-29740	173	1	an	an	DET
fbem-29740	173	2	independent	independent	ADJ
fbem-29740	173	3	auditing	auditing	NOUN
fbem-29740	173	4	mechanism	mechanism	NOUN
fbem-29740	173	5	ensures	ensure	VERB
fbem-29740	173	6	that	that	SCONJ
fbem-29740	173	7	users	user	NOUN
fbem-29740	173	8	of	of	ADP
fbem-29740	173	9	financial	financial	ADJ
fbem-29740	173	10	statements	statement	NOUN
fbem-29740	173	11	have	have	VERB
fbem-29740	173	12	independent	independent	ADJ
fbem-29740	173	13	assurance	assurance	NOUN
fbem-29740	173	14	that	that	PRON
fbem-29740	173	15	the	the	DET
fbem-29740	173	16	financial	financial	ADJ
fbem-29740	173	17	statements	statement	NOUN
fbem-29740	173	18	of	of	ADP
fbem-29740	173	19	the	the	DET
fbem-29740	173	20	financial	financial	ADJ
fbem-29740	173	21	institution	institution	NOUN
fbem-29740	173	22	are	be	AUX
fbem-29740	173	23	fair	fair	ADJ
fbem-29740	173	24	and	and	CCONJ
fbem-29740	173	25	objective	objective	ADJ
fbem-29740	173	26	,	,	PUNCT
fbem-29740	173	27	and	and	CCONJ
fbem-29740	173	28	that	that	SCONJ
fbem-29740	173	29	the	the	DET
fbem-29740	173	30	report	report	NOUN
fbem-29740	173	31	is	be	AUX
fbem-29740	173	32	prepared	prepare	VERB
fbem-29740	173	33	by	by	ADP
fbem-29740	173	34	an	an	DET
fbem-29740	173	35	authorized	authorized	ADJ
fbem-29740	173	36	auditor	auditor	NOUN
fbem-29740	173	37	who	who	PRON
fbem-29740	173	38	is	be	AUX
fbem-29740	173	39	accountable	accountable	ADJ
fbem-29740	173	40	in	in	ADP
fbem-29740	173	41	accordance	accordance	NOUN
fbem-29740	173	42	with	with	ADP
fbem-29740	173	43	accounting	accounting	NOUN
fbem-29740	173	44	principles	principle	NOUN
fbem-29740	173	45	.	.	PUNCT
fbem-29740	174	1	all	all	DET
fbem-29740	174	2	members	member	NOUN
fbem-29740	174	3	of	of	ADP
fbem-29740	174	4	the	the	DET
fbem-29740	174	5	financial	financial	ADJ
fbem-29740	174	6	safety	safety	NOUN
fbem-29740	174	7	net	net	NOUN
fbem-29740	174	8	,	,	PUNCT
fbem-29740	174	9	including	include	VERB
fbem-29740	174	10	the	the	DET
fbem-29740	174	11	deposit	deposit	NOUN
fbem-29740	174	12	insurer	insurer	NOUN
fbem-29740	174	13	,	,	PUNCT
fbem-29740	174	14	should	should	AUX
fbem-29740	174	15	have	have	VERB
fbem-29740	174	16	access	access	NOUN
fbem-29740	174	17	to	to	ADP
fbem-29740	174	18	timely	timely	ADJ
fbem-29740	174	19	and	and	CCONJ
fbem-29740	174	20	reliable	reliable	ADJ
fbem-29740	174	21	information	information	NOUN
fbem-29740	174	22	on	on	ADP
fbem-29740	174	23	financial	financial	ADJ
fbem-29740	174	24	institutions	institution	NOUN
fbem-29740	174	25	.	.	PUNCT
fbem-29740	175	1	5.2	5.2	NUM
fbem-29740	175	2	.	.	PUNCT
fbem-29740	176	1	timely	timely	ADJ
fbem-29740	176	2	intervention	intervention	NOUN
fbem-29740	176	3	by	by	ADP
fbem-29740	176	4	the	the	DET
fbem-29740	176	5	dps	dps	NOUN
fbem-29740	176	6	to	to	PART
fbem-29740	176	7	address	address	VERB
fbem-29740	176	8	problems	problem	NOUN
fbem-29740	176	9	timely	timely	ADJ
fbem-29740	176	10	intervention	intervention	NOUN
fbem-29740	176	11	by	by	ADP
fbem-29740	176	12	the	the	DET
fbem-29740	176	13	dps	dps	NOUN
fbem-29740	176	14	is	be	AUX
fbem-29740	176	15	important	important	ADJ
fbem-29740	176	16	in	in	ADP
fbem-29740	176	17	addressing	address	VERB
fbem-29740	176	18	the	the	DET
fbem-29740	176	19	moral	moral	ADJ
fbem-29740	176	20	hazard	hazard	NOUN
fbem-29740	176	21	problem	problem	NOUN
fbem-29740	176	22	of	of	ADP
fbem-29740	176	23	banks	bank	NOUN
fbem-29740	176	24	,	,	PUNCT
fbem-29740	176	25	because	because	SCONJ
fbem-29740	176	26	once	once	SCONJ
fbem-29740	176	27	a	a	DET
fbem-29740	176	28	bank	bank	NOUN
fbem-29740	176	29	realizes	realize	VERB
fbem-29740	176	30	that	that	SCONJ
fbem-29740	176	31	it	it	PRON
fbem-29740	176	32	is	be	AUX
fbem-29740	176	33	not	not	PART
fbem-29740	176	34	being	be	AUX
fbem-29740	176	35	held	hold	VERB
fbem-29740	176	36	accountable	accountable	ADJ
fbem-29740	176	37	for	for	ADP
fbem-29740	176	38	its	its	PRON
fbem-29740	176	39	risky	risky	ADJ
fbem-29740	176	40	investment	investment	NOUN
fbem-29740	176	41	behavior	behavior	NOUN
fbem-29740	176	42	,	,	PUNCT
fbem-29740	176	43	it	it	PRON
fbem-29740	176	44	will	will	AUX
fbem-29740	176	45	invest	invest	VERB
fbem-29740	176	46	more	more	ADV
fbem-29740	176	47	aggressively	aggressively	ADV
fbem-29740	176	48	,	,	PUNCT
fbem-29740	176	49	245	245	NUM
fbem-29740	176	50	increasing	increase	VERB
fbem-29740	176	51	the	the	DET
fbem-29740	176	52	threat	threat	NOUN
fbem-29740	176	53	to	to	ADP
fbem-29740	176	54	the	the	DET
fbem-29740	176	55	safety	safety	NOUN
fbem-29740	176	56	of	of	ADP
fbem-29740	176	57	depositors	depositor	NOUN
fbem-29740	176	58	'	'	PART
fbem-29740	176	59	deposits	deposit	NOUN
fbem-29740	176	60	,	,	PUNCT
fbem-29740	176	61	and	and	CCONJ
fbem-29740	176	62	thus	thus	ADV
fbem-29740	176	63	contributing	contribute	VERB
fbem-29740	176	64	to	to	ADP
fbem-29740	176	65	the	the	DET
fbem-29740	176	66	moral	moral	ADJ
fbem-29740	176	67	hazard	hazard	NOUN
fbem-29740	176	68	problem	problem	NOUN
fbem-29740	176	69	of	of	ADP
fbem-29740	176	70	the	the	DET
fbem-29740	176	71	bank	bank	NOUN
fbem-29740	176	72	.	.	PUNCT
fbem-29740	177	1	only	only	ADV
fbem-29740	177	2	with	with	ADP
fbem-29740	177	3	the	the	DET
fbem-29740	177	4	establishment	establishment	NOUN
fbem-29740	177	5	of	of	ADP
fbem-29740	177	6	a	a	DET
fbem-29740	177	7	sound	sound	ADJ
fbem-29740	177	8	supervisory	supervisory	ADJ
fbem-29740	177	9	system	system	NOUN
fbem-29740	177	10	that	that	PRON
fbem-29740	177	11	enables	enable	VERB
fbem-29740	177	12	the	the	DET
fbem-29740	177	13	dps	dps	NOUN
fbem-29740	177	14	to	to	PART
fbem-29740	177	15	obtain	obtain	VERB
fbem-29740	177	16	true	true	ADJ
fbem-29740	177	17	,	,	PUNCT
fbem-29740	177	18	efficient	efficient	ADJ
fbem-29740	177	19	and	and	CCONJ
fbem-29740	177	20	timely	timely	ADJ
fbem-29740	177	21	information	information	NOUN
fbem-29740	177	22	on	on	ADP
fbem-29740	177	23	insured	insured	ADJ
fbem-29740	177	24	banks	bank	NOUN
fbem-29740	177	25	,	,	PUNCT
fbem-29740	177	26	so	so	SCONJ
fbem-29740	177	27	that	that	SCONJ
fbem-29740	177	28	it	it	PRON
fbem-29740	177	29	can	can	AUX
fbem-29740	177	30	correctly	correctly	ADV
fbem-29740	177	31	analyze	analyze	VERB
fbem-29740	177	32	the	the	DET
fbem-29740	177	33	structure	structure	NOUN
fbem-29740	177	34	of	of	ADP
fbem-29740	177	35	corporate	corporate	ADJ
fbem-29740	177	36	assets	asset	NOUN
fbem-29740	177	37	to	to	PART
fbem-29740	177	38	determine	determine	VERB
fbem-29740	177	39	whether	whether	SCONJ
fbem-29740	177	40	or	or	CCONJ
fbem-29740	177	41	not	not	PART
fbem-29740	177	42	to	to	PART
fbem-29740	177	43	warn	warn	VERB
fbem-29740	177	44	them	they	PRON
fbem-29740	177	45	,	,	PUNCT
fbem-29740	177	46	can	can	AUX
fbem-29740	177	47	the	the	DET
fbem-29740	177	48	problem	problem	NOUN
fbem-29740	177	49	of	of	ADP
fbem-29740	177	50	moral	moral	ADJ
fbem-29740	177	51	hazard	hazard	NOUN
fbem-29740	177	52	in	in	ADP
fbem-29740	177	53	banks	bank	NOUN
fbem-29740	177	54	be	be	AUX
fbem-29740	177	55	reduced	reduce	VERB
fbem-29740	177	56	.	.	PUNCT
fbem-29740	178	1	6	6	X
fbem-29740	178	2	.	.	X
fbem-29740	178	3	conclusion	conclusion	NOUN
fbem-29740	178	4	the	the	DET
fbem-29740	178	5	legacy	legacy	NOUN
fbem-29740	178	6	of	of	ADP
fbem-29740	178	7	the	the	DET
fbem-29740	178	8	economic	economic	ADJ
fbem-29740	178	9	crisis	crisis	NOUN
fbem-29740	178	10	caused	cause	VERB
fbem-29740	178	11	by	by	ADP
fbem-29740	178	12	the	the	DET
fbem-29740	178	13	u.s	u.s	PROPN
fbem-29740	178	14	.	.	PROPN
fbem-29740	178	15	in	in	ADP
fbem-29740	178	16	2008	2008	NUM
fbem-29740	178	17	still	still	ADV
fbem-29740	178	18	has	have	VERB
fbem-29740	178	19	an	an	DET
fbem-29740	178	20	impact	impact	NOUN
fbem-29740	178	21	on	on	ADP
fbem-29740	178	22	the	the	DET
fbem-29740	178	23	economies	economy	NOUN
fbem-29740	178	24	of	of	ADP
fbem-29740	178	25	various	various	ADJ
fbem-29740	178	26	countries	country	NOUN
fbem-29740	178	27	until	until	ADP
fbem-29740	178	28	now	now	ADV
fbem-29740	178	29	,	,	PUNCT
fbem-29740	178	30	and	and	CCONJ
fbem-29740	178	31	almost	almost	ADV
fbem-29740	178	32	all	all	PRON
fbem-29740	178	33	countries	country	NOUN
fbem-29740	178	34	including	include	VERB
fbem-29740	178	35	the	the	DET
fbem-29740	178	36	u.s	u.s	PROPN
fbem-29740	178	37	.	.	PROPN
fbem-29740	178	38	are	be	AUX
fbem-29740	178	39	practicing	practice	VERB
fbem-29740	178	40	quantitative	quantitative	ADJ
fbem-29740	178	41	easing	easing	NOUN
fbem-29740	178	42	,	,	PUNCT
fbem-29740	178	43	and	and	CCONJ
fbem-29740	178	44	in	in	ADP
fbem-29740	178	45	this	this	DET
fbem-29740	178	46	context	context	NOUN
fbem-29740	178	47	,	,	PUNCT
fbem-29740	178	48	the	the	DET
fbem-29740	178	49	impact	impact	NOUN
fbem-29740	178	50	of	of	ADP
fbem-29740	178	51	the	the	DET
fbem-29740	178	52	implementation	implementation	NOUN
fbem-29740	178	53	of	of	ADP
fbem-29740	178	54	the	the	DET
fbem-29740	178	55	deposit	deposit	NOUN
fbem-29740	178	56	insurance	insurance	NOUN
fbem-29740	178	57	system	system	NOUN
fbem-29740	178	58	on	on	ADP
fbem-29740	178	59	china	china	PROPN
fbem-29740	178	60	's	's	PART
fbem-29740	178	61	banking	banking	NOUN
fbem-29740	178	62	industry	industry	NOUN
fbem-29740	178	63	has	have	AUX
fbem-29740	178	64	become	become	VERB
fbem-29740	178	65	an	an	DET
fbem-29740	178	66	issue	issue	NOUN
fbem-29740	178	67	worthy	worthy	ADJ
fbem-29740	178	68	of	of	ADP
fbem-29740	178	69	study	study	NOUN
fbem-29740	178	70	.	.	PUNCT
fbem-29740	179	1	this	this	DET
fbem-29740	179	2	paper	paper	NOUN
fbem-29740	179	3	firstly	firstly	ADV
fbem-29740	179	4	introduces	introduce	VERB
fbem-29740	179	5	the	the	DET
fbem-29740	179	6	reasons	reason	NOUN
fbem-29740	179	7	for	for	ADP
fbem-29740	179	8	the	the	DET
fbem-29740	179	9	emergence	emergence	NOUN
fbem-29740	179	10	of	of	ADP
fbem-29740	179	11	the	the	DET
fbem-29740	179	12	deposit	deposit	NOUN
fbem-29740	179	13	insurance	insurance	NOUN
fbem-29740	179	14	system	system	NOUN
fbem-29740	179	15	and	and	CCONJ
fbem-29740	179	16	the	the	DET
fbem-29740	179	17	background	background	NOUN
fbem-29740	179	18	of	of	ADP
fbem-29740	179	19	the	the	DET
fbem-29740	179	20	era	era	NOUN
fbem-29740	179	21	,	,	PUNCT
fbem-29740	179	22	then	then	ADV
fbem-29740	179	23	introduces	introduce	VERB
fbem-29740	179	24	the	the	DET
fbem-29740	179	25	development	development	NOUN
fbem-29740	179	26	history	history	NOUN
fbem-29740	179	27	of	of	ADP
fbem-29740	179	28	the	the	DET
fbem-29740	179	29	deposit	deposit	NOUN
fbem-29740	179	30	insurance	insurance	NOUN
fbem-29740	179	31	system	system	NOUN
fbem-29740	179	32	in	in	ADP
fbem-29740	179	33	the	the	DET
fbem-29740	179	34	united	united	PROPN
fbem-29740	179	35	states	states	PROPN
fbem-29740	179	36	,	,	PUNCT
fbem-29740	179	37	and	and	CCONJ
fbem-29740	179	38	makes	make	VERB
fbem-29740	179	39	a	a	DET
fbem-29740	179	40	reasonable	reasonable	ADJ
fbem-29740	179	41	proposal	proposal	NOUN
fbem-29740	179	42	for	for	ADP
fbem-29740	179	43	the	the	DET
fbem-29740	179	44	existing	exist	VERB
fbem-29740	179	45	deposit	deposit	NOUN
fbem-29740	179	46	insurance	insurance	NOUN
fbem-29740	179	47	system	system	NOUN
fbem-29740	179	48	in	in	ADP
fbem-29740	179	49	china	china	PROPN
fbem-29740	179	50	by	by	ADP
fbem-29740	179	51	comparing	compare	VERB
fbem-29740	179	52	the	the	DET
fbem-29740	179	53	differences	difference	NOUN
fbem-29740	179	54	between	between	ADP
fbem-29740	179	55	china	china	PROPN
fbem-29740	179	56	and	and	CCONJ
fbem-29740	179	57	the	the	DET
fbem-29740	179	58	united	united	PROPN
fbem-29740	179	59	states	states	PROPN
fbem-29740	179	60	in	in	ADP
fbem-29740	179	61	the	the	DET
fbem-29740	179	62	deposit	deposit	NOUN
fbem-29740	179	63	insurance	insurance	NOUN
fbem-29740	179	64	system	system	NOUN
fbem-29740	179	65	.	.	PUNCT
fbem-29740	180	1	finally	finally	ADV
fbem-29740	180	2	,	,	PUNCT
fbem-29740	180	3	through	through	ADP
fbem-29740	180	4	empirical	empirical	ADJ
fbem-29740	180	5	research	research	NOUN
fbem-29740	180	6	,	,	PUNCT
fbem-29740	180	7	it	it	PRON
fbem-29740	180	8	proves	prove	VERB
fbem-29740	180	9	that	that	SCONJ
fbem-29740	180	10	the	the	DET
fbem-29740	180	11	deposit	deposit	NOUN
fbem-29740	180	12	insurance	insurance	NOUN
fbem-29740	180	13	system	system	NOUN
fbem-29740	180	14	does	do	AUX
fbem-29740	180	15	cause	cause	VERB
fbem-29740	180	16	the	the	DET
fbem-29740	180	17	moral	moral	ADJ
fbem-29740	180	18	hazard	hazard	NOUN
fbem-29740	180	19	problem	problem	NOUN
fbem-29740	180	20	of	of	ADP
fbem-29740	180	21	commercial	commercial	ADJ
fbem-29740	180	22	banks	bank	NOUN
fbem-29740	180	23	.	.	PUNCT
fbem-29740	181	1	6.1	6.1	NUM
fbem-29740	181	2	.	.	PUNCT
fbem-29740	181	3	main	main	ADJ
fbem-29740	181	4	conclusion	conclusion	NOUN
fbem-29740	181	5	the	the	DET
fbem-29740	181	6	implementation	implementation	NOUN
fbem-29740	181	7	of	of	ADP
fbem-29740	181	8	the	the	DET
fbem-29740	181	9	deposit	deposit	NOUN
fbem-29740	181	10	insurance	insurance	NOUN
fbem-29740	181	11	system	system	NOUN
fbem-29740	181	12	will	will	AUX
fbem-29740	181	13	lead	lead	VERB
fbem-29740	181	14	to	to	ADP
fbem-29740	181	15	excessive	excessive	ADJ
fbem-29740	181	16	credit	credit	NOUN
fbem-29740	181	17	and	and	CCONJ
fbem-29740	181	18	the	the	DET
fbem-29740	181	19	holding	holding	NOUN
fbem-29740	181	20	of	of	ADP
fbem-29740	181	21	risky	risky	ADJ
fbem-29740	181	22	assets	asset	NOUN
fbem-29740	181	23	by	by	ADP
fbem-29740	181	24	banks	bank	NOUN
fbem-29740	181	25	,	,	PUNCT
fbem-29740	181	26	in	in	ADP
fbem-29740	181	27	the	the	DET
fbem-29740	181	28	empirical	empirical	ADJ
fbem-29740	181	29	study	study	NOUN
fbem-29740	181	30	,	,	PUNCT
fbem-29740	181	31	this	this	DET
fbem-29740	181	32	paper	paper	NOUN
fbem-29740	181	33	uses	use	VERB
fbem-29740	181	34	the	the	DET
fbem-29740	181	35	three	three	NUM
fbem-29740	181	36	variables	variable	NOUN
fbem-29740	181	37	of	of	ADP
fbem-29740	181	38	excessive	excessive	ADJ
fbem-29740	181	39	loan	loan	NOUN
fbem-29740	181	40	growth	growth	NOUN
fbem-29740	181	41	rate	rate	NOUN
fbem-29740	181	42	,	,	PUNCT
fbem-29740	181	43	risk	risk	NOUN
fbem-29740	181	44	-	-	PUNCT
fbem-29740	181	45	weighted	weight	VERB
fbem-29740	181	46	asset	asset	NOUN
fbem-29740	181	47	ratio	ratio	NOUN
fbem-29740	181	48	,	,	PUNCT
fbem-29740	181	49	and	and	CCONJ
fbem-29740	181	50	capital	capital	NOUN
fbem-29740	181	51	buffer	buffer	NOUN
fbem-29740	181	52	as	as	ADP
fbem-29740	181	53	the	the	DET
fbem-29740	181	54	explanatory	explanatory	ADJ
fbem-29740	181	55	variables	variable	NOUN
fbem-29740	181	56	,	,	PUNCT
fbem-29740	181	57	and	and	CCONJ
fbem-29740	181	58	the	the	DET
fbem-29740	181	59	bank	bank	NOUN
fbem-29740	181	60	size	size	NOUN
fbem-29740	181	61	,	,	PUNCT
fbem-29740	181	62	currency	currency	NOUN
fbem-29740	181	63	liquidity	liquidity	NOUN
fbem-29740	181	64	,	,	PUNCT
fbem-29740	181	65	cost	cost	NOUN
fbem-29740	181	66	-	-	PUNCT
fbem-29740	181	67	income	income	NOUN
fbem-29740	181	68	ratio	ratio	NOUN
fbem-29740	181	69	,	,	PUNCT
fbem-29740	181	70	and	and	CCONJ
fbem-29740	181	71	the	the	DET
fbem-29740	181	72	consumer	consumer	NOUN
fbem-29740	181	73	price	price	NOUN
fbem-29740	181	74	index	index	NOUN
fbem-29740	181	75	as	as	ADP
fbem-29740	181	76	the	the	DET
fbem-29740	181	77	control	control	NOUN
fbem-29740	181	78	variables	variable	VERB
fbem-29740	181	79	to	to	PART
fbem-29740	181	80	examine	examine	VERB
fbem-29740	181	81	whether	whether	SCONJ
fbem-29740	181	82	the	the	DET
fbem-29740	181	83	deposit	deposit	NOUN
fbem-29740	181	84	insurance	insurance	NOUN
fbem-29740	181	85	system	system	NOUN
fbem-29740	181	86	will	will	AUX
fbem-29740	181	87	lead	lead	VERB
fbem-29740	181	88	to	to	ADP
fbem-29740	181	89	the	the	DET
fbem-29740	181	90	corresponding	corresponding	ADJ
fbem-29740	181	91	moral	moral	ADJ
fbem-29740	181	92	hazard	hazard	NOUN
fbem-29740	181	93	problem	problem	NOUN
fbem-29740	181	94	of	of	ADP
fbem-29740	181	95	commercial	commercial	ADJ
fbem-29740	181	96	banks	bank	NOUN
fbem-29740	181	97	,	,	PUNCT
fbem-29740	181	98	using	use	VERB
fbem-29740	181	99	annual	annual	ADJ
fbem-29740	181	100	data	datum	NOUN
fbem-29740	181	101	from	from	ADP
fbem-29740	181	102	2011	2011	NUM
fbem-29740	181	103	to	to	ADP
fbem-29740	181	104	2018	2018	NUM
fbem-29740	181	105	to	to	PART
fbem-29740	181	106	build	build	VERB
fbem-29740	181	107	a	a	DET
fbem-29740	181	108	panel	panel	NOUN
fbem-29740	181	109	model	model	NOUN
fbem-29740	181	110	to	to	PART
fbem-29740	181	111	empirically	empirically	ADV
fbem-29740	181	112	test	test	VERB
fbem-29740	181	113	the	the	DET
fbem-29740	181	114	impact	impact	NOUN
fbem-29740	181	115	of	of	ADP
fbem-29740	181	116	the	the	DET
fbem-29740	181	117	deposit	deposit	NOUN
fbem-29740	181	118	insurance	insurance	NOUN
fbem-29740	181	119	system	system	NOUN
fbem-29740	181	120	on	on	ADP
fbem-29740	181	121	the	the	DET
fbem-29740	181	122	moral	moral	ADJ
fbem-29740	181	123	hazard	hazard	NOUN
fbem-29740	181	124	of	of	ADP
fbem-29740	181	125	commercial	commercial	ADJ
fbem-29740	181	126	banks	bank	NOUN
fbem-29740	181	127	.	.	PUNCT
fbem-29740	182	1	the	the	DET
fbem-29740	182	2	results	result	NOUN
fbem-29740	182	3	show	show	VERB
fbem-29740	182	4	that	that	SCONJ
fbem-29740	182	5	on	on	ADP
fbem-29740	182	6	the	the	DET
fbem-29740	182	7	liability	liability	NOUN
fbem-29740	182	8	business	business	NOUN
fbem-29740	182	9	side	side	NOUN
fbem-29740	182	10	,	,	PUNCT
fbem-29740	182	11	the	the	DET
fbem-29740	182	12	establishment	establishment	NOUN
fbem-29740	182	13	of	of	ADP
fbem-29740	182	14	the	the	DET
fbem-29740	182	15	deposit	deposit	NOUN
fbem-29740	182	16	insurance	insurance	NOUN
fbem-29740	182	17	system	system	NOUN
fbem-29740	182	18	failed	fail	VERB
fbem-29740	182	19	to	to	PART
fbem-29740	182	20	significantly	significantly	ADV
fbem-29740	182	21	affect	affect	VERB
fbem-29740	182	22	the	the	DET
fbem-29740	182	23	capital	capital	NOUN
fbem-29740	182	24	buffer	buffer	NOUN
fbem-29740	182	25	of	of	ADP
fbem-29740	182	26	commercial	commercial	ADJ
fbem-29740	182	27	banks	bank	NOUN
fbem-29740	182	28	.	.	PUNCT
fbem-29740	183	1	on	on	ADP
fbem-29740	183	2	the	the	DET
fbem-29740	183	3	asset	asset	NOUN
fbem-29740	183	4	side	side	NOUN
fbem-29740	183	5	,	,	PUNCT
fbem-29740	183	6	the	the	DET
fbem-29740	183	7	establishment	establishment	NOUN
fbem-29740	183	8	of	of	ADP
fbem-29740	183	9	deposit	deposit	NOUN
fbem-29740	183	10	insurance	insurance	NOUN
fbem-29740	183	11	does	do	AUX
fbem-29740	183	12	increase	increase	VERB
fbem-29740	183	13	banks	bank	NOUN
fbem-29740	183	14	'	'	PART
fbem-29740	183	15	behavior	behavior	NOUN
fbem-29740	183	16	of	of	ADP
fbem-29740	183	17	risky	risky	ADJ
fbem-29740	183	18	investment	investment	NOUN
fbem-29740	183	19	.	.	PUNCT
fbem-29740	184	1	after	after	ADP
fbem-29740	184	2	improving	improve	VERB
fbem-29740	184	3	the	the	DET
fbem-29740	184	4	panel	panel	NOUN
fbem-29740	184	5	data	datum	NOUN
fbem-29740	184	6	model	model	NOUN
fbem-29740	184	7	by	by	ADP
fbem-29740	184	8	adding	add	VERB
fbem-29740	184	9	the	the	DET
fbem-29740	184	10	product	product	NOUN
fbem-29740	184	11	terms	term	NOUN
fbem-29740	184	12	of	of	ADP
fbem-29740	184	13	bank	bank	NOUN
fbem-29740	184	14	size	size	NOUN
fbem-29740	184	15	and	and	CCONJ
fbem-29740	184	16	dummy	dummy	ADJ
fbem-29740	184	17	variables	variable	NOUN
fbem-29740	184	18	to	to	ADP
fbem-29740	184	19	the	the	DET
fbem-29740	184	20	explanatory	explanatory	ADJ
fbem-29740	184	21	variables	variable	NOUN
fbem-29740	184	22	regression	regression	NOUN
fbem-29740	184	23	,	,	PUNCT
fbem-29740	184	24	the	the	DET
fbem-29740	184	25	paper	paper	NOUN
fbem-29740	184	26	finds	find	VERB
fbem-29740	184	27	that	that	SCONJ
fbem-29740	184	28	the	the	DET
fbem-29740	184	29	implementation	implementation	NOUN
fbem-29740	184	30	of	of	ADP
fbem-29740	184	31	the	the	DET
fbem-29740	184	32	deposit	deposit	NOUN
fbem-29740	184	33	insurance	insurance	NOUN
fbem-29740	184	34	system	system	NOUN
fbem-29740	184	35	does	do	AUX
fbem-29740	184	36	not	not	PART
fbem-29740	184	37	have	have	VERB
fbem-29740	184	38	a	a	DET
fbem-29740	184	39	consistent	consistent	ADJ
fbem-29740	184	40	impact	impact	NOUN
fbem-29740	184	41	on	on	ADP
fbem-29740	184	42	the	the	DET
fbem-29740	184	43	moral	moral	ADJ
fbem-29740	184	44	hazard	hazard	NOUN
fbem-29740	184	45	of	of	ADP
fbem-29740	184	46	banks	bank	NOUN
fbem-29740	184	47	of	of	ADP
fbem-29740	184	48	different	different	ADJ
fbem-29740	184	49	sizes	size	NOUN
fbem-29740	184	50	.	.	PUNCT
fbem-29740	185	1	when	when	SCONJ
fbem-29740	185	2	the	the	DET
fbem-29740	185	3	deposit	deposit	NOUN
fbem-29740	185	4	insurance	insurance	NOUN
fbem-29740	185	5	system	system	NOUN
fbem-29740	185	6	is	be	AUX
fbem-29740	185	7	established	establish	VERB
fbem-29740	185	8	,	,	PUNCT
fbem-29740	185	9	the	the	PRON
fbem-29740	185	10	smaller	small	ADJ
fbem-29740	185	11	the	the	DET
fbem-29740	185	12	bank	bank	NOUN
fbem-29740	185	13	size	size	NOUN
fbem-29740	185	14	,	,	PUNCT
fbem-29740	185	15	the	the	PRON
fbem-29740	185	16	larger	large	ADJ
fbem-29740	185	17	the	the	DET
fbem-29740	185	18	bank	bank	NOUN
fbem-29740	185	19	's	's	PART
fbem-29740	185	20	loan	loan	NOUN
fbem-29740	185	21	excess	excess	ADJ
fbem-29740	185	22	growth	growth	NOUN
fbem-29740	185	23	rate	rate	NOUN
fbem-29740	185	24	,	,	PUNCT
fbem-29740	185	25	the	the	PRON
fbem-29740	185	26	larger	large	ADJ
fbem-29740	185	27	the	the	DET
fbem-29740	185	28	risk	risk	NOUN
fbem-29740	185	29	-	-	PUNCT
fbem-29740	185	30	weighted	weight	VERB
fbem-29740	185	31	asset	asset	NOUN
fbem-29740	185	32	ratio	ratio	NOUN
fbem-29740	185	33	,	,	PUNCT
fbem-29740	185	34	and	and	CCONJ
fbem-29740	185	35	the	the	PRON
fbem-29740	185	36	smaller	small	ADJ
fbem-29740	185	37	the	the	DET
fbem-29740	185	38	capital	capital	NOUN
fbem-29740	185	39	buffer	buffer	NOUN
fbem-29740	185	40	.	.	PUNCT
fbem-29740	186	1	conversely	conversely	ADV
fbem-29740	186	2	,	,	PUNCT
fbem-29740	186	3	the	the	PRON
fbem-29740	186	4	larger	large	ADJ
fbem-29740	186	5	the	the	DET
fbem-29740	186	6	bank	bank	NOUN
fbem-29740	186	7	,	,	PUNCT
fbem-29740	186	8	the	the	DET
fbem-29740	186	9	smaller	small	ADJ
fbem-29740	186	10	its	its	PRON
fbem-29740	186	11	loan	loan	NOUN
fbem-29740	186	12	excess	excess	ADJ
fbem-29740	186	13	growth	growth	NOUN
fbem-29740	186	14	rate	rate	NOUN
fbem-29740	186	15	and	and	CCONJ
fbem-29740	186	16	risk	risk	NOUN
fbem-29740	186	17	-	-	PUNCT
fbem-29740	186	18	weighted	weight	VERB
fbem-29740	186	19	asset	asset	NOUN
fbem-29740	186	20	ratio	ratio	NOUN
fbem-29740	186	21	,	,	PUNCT
fbem-29740	186	22	and	and	CCONJ
fbem-29740	186	23	the	the	PRON
fbem-29740	186	24	larger	large	ADJ
fbem-29740	186	25	its	its	PRON
fbem-29740	186	26	capital	capital	NOUN
fbem-29740	186	27	buffer	buffer	NOUN
fbem-29740	186	28	.	.	PUNCT
fbem-29740	187	1	that	that	PRON
fbem-29740	187	2	is	be	AUX
fbem-29740	187	3	,	,	PUNCT
fbem-29740	187	4	the	the	DET
fbem-29740	187	5	establishment	establishment	NOUN
fbem-29740	187	6	of	of	ADP
fbem-29740	187	7	a	a	DET
fbem-29740	187	8	deposit	deposit	NOUN
fbem-29740	187	9	insurance	insurance	NOUN
fbem-29740	187	10	system	system	NOUN
fbem-29740	187	11	is	be	AUX
fbem-29740	187	12	more	more	ADV
fbem-29740	187	13	likely	likely	ADJ
fbem-29740	187	14	to	to	PART
fbem-29740	187	15	lead	lead	VERB
fbem-29740	187	16	to	to	ADP
fbem-29740	187	17	moral	moral	ADJ
fbem-29740	187	18	hazard	hazard	NOUN
fbem-29740	187	19	in	in	ADP
fbem-29740	187	20	small	small	ADJ
fbem-29740	187	21	banks	bank	NOUN
fbem-29740	187	22	than	than	ADP
fbem-29740	187	23	in	in	ADP
fbem-29740	187	24	large	large	ADJ
fbem-29740	187	25	banks	bank	NOUN
fbem-29740	187	26	.	.	PUNCT
fbem-29740	188	1	references	reference	NOUN
fbem-29740	188	2	[	[	X
fbem-29740	188	3	1	1	NUM
fbem-29740	188	4	]	]	X
fbem-29740	188	5	diamond	diamond	NOUN
fbem-29740	188	6	&	&	CCONJ
fbem-29740	188	7	dybivg	dybivg	PROPN
fbem-29740	188	8	,	,	PUNCT
fbem-29740	188	9	another	another	DET
fbem-29740	188	10	attempt	attempt	NOUN
fbem-29740	188	11	to	to	PART
fbem-29740	188	12	explain	explain	VERB
fbem-29740	188	13	an	an	DET
fbem-29740	188	14	illiquid	illiquid	ADJ
fbem-29740	188	15	banking	banking	NOUN
fbem-29740	188	16	system	system	NOUN
fbem-29740	188	17	:	:	PUNCT
fbem-29740	188	18	the	the	DET
fbem-29740	188	19	diamond	diamond	NOUN
fbem-29740	188	20	and	and	CCONJ
fbem-29740	188	21	dybivg	dybivg	VERB
fbem-29740	188	22	model	model	NOUN
fbem-29740	188	23	with	with	ADP
fbem-29740	188	24	sequential	sequential	ADJ
fbem-29740	188	25	service	service	NOUN
fbem-29740	188	26	taken	take	VERB
fbem-29740	188	27	seriously.federal	seriously.federal	PROPN
fbem-29740	188	28	reserve	reserve	NOUN
fbem-29740	188	29	bank	bank	PROPN
fbem-29740	188	30	of	of	ADP
fbem-29740	188	31	minneapolis	minneapolis	PROPN
fbem-29740	188	32	quarterly	quarterly	ADV
fbem-29740	188	33	review,1983(12	review,1983(12	ADJ
fbem-29740	188	34	)	)	PUNCT
fbem-29740	188	35	.	.	PUNCT
fbem-29740	189	1	[	[	X
fbem-29740	189	2	2	2	NUM
fbem-29740	189	3	]	]	SYM
fbem-29740	189	4	chen	chen	PROPN
fbem-29740	189	5	,	,	PUNCT
fbem-29740	189	6	banking	banking	NOUN
fbem-29740	189	7	panies	panie	NOUN
fbem-29740	189	8	:	:	PUNCT
fbem-29740	189	9	the	the	DET
fbem-29740	189	10	role	role	NOUN
fbem-29740	189	11	of	of	ADP
fbem-29740	189	12	the	the	DET
fbem-29740	189	13	first	first	ADJ
fbem-29740	189	14	-	-	PUNCT
fbem-29740	189	15	eome	eome	NOUN
fbem-29740	189	16	,	,	PUNCT
fbem-29740	189	17	first	first	ADV
fbem-29740	189	18	-	-	PUNCT
fbem-29740	189	19	served	serve	VERB
fbem-29740	189	20	rule	rule	NOUN
fbem-29740	189	21	and	and	CCONJ
fbem-29740	189	22	information	information	NOUN
fbem-29740	189	23	externalities	externality	NOUN
fbem-29740	189	24	.	.	PUNCT
fbem-29740	190	1	journal	journal	NOUN
fbem-29740	190	2	of	of	ADP
fbem-29740	190	3	political	political	ADJ
fbem-29740	190	4	economy,1999(5	economy,1999(5	NOUN
fbem-29740	190	5	)	)	PUNCT
fbem-29740	190	6	.	.	PUNCT
fbem-29740	191	1	[	[	X
fbem-29740	191	2	3	3	X
fbem-29740	191	3	]	]	X
fbem-29740	191	4	jean‐charlesrochet	jean‐charlesrochet	NOUN
fbem-29740	191	5	,	,	PUNCT
fbem-29740	191	6	coordination	coordination	NOUN
fbem-29740	191	7	failures	failure	NOUN
fbem-29740	191	8	and	and	CCONJ
fbem-29740	191	9	the	the	DET
fbem-29740	191	10	lender	lender	NOUN
fbem-29740	191	11	of	of	ADP
fbem-29740	191	12	last	last	ADJ
fbem-29740	191	13	resort	resort	NOUN
fbem-29740	191	14	:	:	PUNCT
fbem-29740	191	15	was	be	AUX
fbem-29740	191	16	bagehot	bagehot	ADJ
fbem-29740	191	17	right	right	ADV
fbem-29740	191	18	after	after	ADP
fbem-29740	191	19	all.journal	all.journal	NOUN
fbem-29740	191	20	of	of	ADP
fbem-29740	191	21	the	the	DET
fbem-29740	191	22	european	european	PROPN
fbem-29740	191	23	economic	economic	PROPN
fbem-29740	191	24	association	association	PROPN
fbem-29740	191	25	,	,	PUNCT
fbem-29740	191	26	2010(6	2010(6	NUM
fbem-29740	191	27	)	)	PUNCT
fbem-29740	191	28	.	.	PUNCT
fbem-29740	192	1	[	[	X
fbem-29740	192	2	4	4	X
fbem-29740	192	3	]	]	X
fbem-29740	192	4	james	james	PROPN
fbem-29740	192	5	peck	peck	PROPN
fbem-29740	192	6	.	.	PUNCT
fbem-29740	193	1	equilibrium	equilibrium	PROPN
fbem-29740	193	2	bank	bank	PROPN
fbem-29740	193	3	runs	run	VERB
fbem-29740	193	4	[	[	X
fbem-29740	193	5	j	j	X
fbem-29740	193	6	]	]	X
fbem-29740	193	7	.	.	PUNCT
fbem-29740	194	1	journal	journal	PROPN
fbem-29740	194	2	of	of	ADP
fbem-29740	194	3	political	political	ADJ
fbem-29740	194	4	economy,2003(1	economy,2003(1	PROPN
fbem-29740	194	5	)	)	PUNCT
fbem-29740	194	6	.	.	PUNCT
fbem-29740	195	1	[	[	X
fbem-29740	195	2	5	5	X
fbem-29740	195	3	]	]	X
fbem-29740	195	4	donald	donald	PROPN
fbem-29740	195	5	p.	p.	PROPN
fbem-29740	195	6	morgan	morgan	PROPN
fbem-29740	195	7	.	.	PUNCT
fbem-29740	196	1	using	use	VERB
fbem-29740	196	2	loan	loan	NOUN
fbem-29740	196	3	rates	rate	NOUN
fbem-29740	196	4	to	to	PART
fbem-29740	196	5	measure	measure	VERB
fbem-29740	196	6	and	and	CCONJ
fbem-29740	196	7	regulate	regulate	VERB
fbem-29740	196	8	bank	bank	NOUN
fbem-29740	196	9	risk	risk	NOUN
fbem-29740	196	10	:	:	PUNCT
fbem-29740	196	11	findings	finding	NOUN
fbem-29740	196	12	and	and	CCONJ
fbem-29740	196	13	an	an	DET
fbem-29740	196	14	immodest	immodest	ADJ
fbem-29740	196	15	proposal	proposal	NOUN
fbem-29740	197	1	[	[	X
fbem-29740	197	2	j	j	X
fbem-29740	197	3	]	]	X
fbem-29740	197	4	.	.	PUNCT
fbem-29740	198	1	journal	journal	PROPN
fbem-29740	198	2	of	of	ADP
fbem-29740	198	3	financial	financial	ADJ
fbem-29740	198	4	services	service	NOUN
fbem-29740	198	5	research,2003(2	research,2003(2	PROPN
fbem-29740	198	6	)	)	PUNCT
fbem-29740	198	7	.	.	PUNCT
fbem-29740	199	1	[	[	X
fbem-29740	199	2	6	6	NUM
fbem-29740	199	3	]	]	X
fbem-29740	199	4	tang	tang	PROPN
fbem-29740	199	5	,	,	PUNCT
fbem-29740	199	6	hongbo	hongbo	NOUN
fbem-29740	199	7	.	.	PUNCT
fbem-29740	199	8	deposit	deposit	NOUN
fbem-29740	199	9	insurance	insurance	NOUN
fbem-29740	199	10	system	system	NOUN
fbem-29740	199	11	and	and	CCONJ
fbem-29740	199	12	bank	bank	NOUN
fbem-29740	199	13	corporate	corporate	ADJ
fbem-29740	199	14	governance[j	governance[j	NOUN
fbem-29740	199	15	]	]	PUNCT
fbem-29740	199	16	.	.	PUNCT
fbem-29740	200	1	financial	financial	ADJ
fbem-29740	200	2	research	research	NOUN
fbem-29740	200	3	,	,	PUNCT
fbem-29740	200	4	2008	2008	NUM
fbem-29740	200	5	,	,	PUNCT
fbem-29740	200	6	no.337(07):154	no.337(07):154	NOUN
fbem-29740	200	7	-	-	PUNCT
fbem-29740	200	8	159	159	NUM
fbem-29740	200	9	.	.	PUNCT
fbem-29740	201	1	[	[	X
fbem-29740	201	2	7	7	X
fbem-29740	201	3	]	]	X
fbem-29740	201	4	wang	wang	PROPN
fbem-29740	201	5	daoping	daoping	PROPN
fbem-29740	201	6	.	.	PUNCT
fbem-29740	202	1	interest	interest	NOUN
fbem-29740	202	2	rate	rate	NOUN
fbem-29740	202	3	marketization	marketization	NOUN
fbem-29740	202	4	,	,	PUNCT
fbem-29740	202	5	deposit	deposit	NOUN
fbem-29740	202	6	insurance	insurance	NOUN
fbem-29740	202	7	system	system	NOUN
fbem-29740	202	8	and	and	CCONJ
fbem-29740	202	9	systemic	systemic	ADJ
fbem-29740	202	10	banking	banking	NOUN
fbem-29740	202	11	crisis	crisis	NOUN
fbem-29740	202	12	prevention[j	prevention[j	NOUN
fbem-29740	202	13	]	]	PUNCT
fbem-29740	202	14	.	.	PUNCT
fbem-29740	203	1	financial	financial	ADJ
fbem-29740	203	2	research	research	NOUN
fbem-29740	203	3	,	,	PUNCT
fbem-29740	203	4	2016	2016	NUM
fbem-29740	203	5	,	,	PUNCT
fbem-29740	203	6	no.427(01):50	no.427(01):50	NOUN
fbem-29740	203	7	-	-	PUNCT
fbem-29740	203	8	65	65	NUM
fbem-29740	203	9	.	.	PUNCT
fbem-29740	204	1	[	[	X
fbem-29740	204	2	8	8	NUM
fbem-29740	204	3	]	]	X
fbem-29740	204	4	tian	tian	ADJ
fbem-29740	204	5	guoqiang	guoqiang	PROPN
fbem-29740	204	6	,	,	PUNCT
fbem-29740	204	7	zhao	zhao	PROPN
fbem-29740	204	8	yupu	yupu	PROPN
fbem-29740	204	9	,	,	PUNCT
fbem-29740	204	10	gong	gong	PROPN
fbem-29740	204	11	rukai	rukai	PROPN
fbem-29740	204	12	.	.	PUNCT
fbem-29740	205	1	interest	interest	NOUN
fbem-29740	205	2	rate	rate	NOUN
fbem-29740	205	3	marketization	marketization	NOUN
fbem-29740	205	4	,	,	PUNCT
fbem-29740	205	5	deposit	deposit	NOUN
fbem-29740	205	6	insurance	insurance	NOUN
fbem-29740	205	7	system	system	NOUN
fbem-29740	205	8	and	and	CCONJ
fbem-29740	205	9	bank	bank	PROPN
fbem-29740	205	10	runs[j	runs[j	PROPN
fbem-29740	205	11	]	]	PUNCT
fbem-29740	205	12	.	.	PUNCT
fbem-29740	206	1	economic	economic	ADJ
fbem-29740	206	2	research	research	NOUN
fbem-29740	206	3	,	,	PUNCT
fbem-29740	206	4	2016	2016	NUM
fbem-29740	206	5	,	,	PUNCT
fbem-29740	206	6	51(03	51(03	PROPN
fbem-29740	206	7	):	):	PUNCT
fbem-29740	206	8	96	96	NUM
fbem-29740	206	9	-	-	SYM
fbem-29740	206	10	109	109	NUM
fbem-29740	206	11	.	.	PUNCT
fbem-29740	207	1	[	[	X
fbem-29740	207	2	9	9	NUM
fbem-29740	207	3	]	]	X
fbem-29740	207	4	guo	guo	PROPN
fbem-29740	207	5	ye	ye	PROPN
fbem-29740	207	6	,	,	PUNCT
fbem-29740	207	7	zhao	zhao	PROPN
fbem-29740	207	8	jing	jing	PROPN
fbem-29740	207	9	.	.	PUNCT
fbem-29740	208	1	deposit	deposit	NOUN
fbem-29740	208	2	insurance	insurance	NOUN
fbem-29740	208	3	system	system	NOUN
fbem-29740	208	4	,	,	PUNCT
fbem-29740	208	5	bank	bank	NOUN
fbem-29740	208	6	heterogeneity	heterogeneity	NOUN
fbem-29740	208	7	and	and	CCONJ
fbem-29740	208	8	individual	individual	ADJ
fbem-29740	208	9	bank	bank	NOUN
fbem-29740	208	10	risk	risk	NOUN
fbem-29740	209	1	[	[	X
fbem-29740	209	2	j	j	X
fbem-29740	209	3	]	]	X
fbem-29740	209	4	.	.	PUNCT
fbem-29740	210	1	economic	economic	ADJ
fbem-29740	210	2	research	research	NOUN
fbem-29740	210	3	,	,	PUNCT
fbem-29740	210	4	2017	2017	NUM
fbem-29740	210	5	,	,	PUNCT
fbem-29740	210	6	52(12):134	52(12):134	NUM
fbem-29740	210	7	-	-	SYM
fbem-29740	210	8	148	148	NUM
fbem-29740	210	9	.	.	PUNCT
fbem-29740	211	1	[	[	X
fbem-29740	211	2	10	10	NUM
fbem-29740	211	3	]	]	X
fbem-29740	211	4	xiang	xiang	PROPN
fbem-29740	211	5	houjun	houjun	PROPN
fbem-29740	211	6	,	,	PUNCT
fbem-29740	211	7	zhang	zhang	PROPN
fbem-29740	211	8	qingjun	qingjun	PROPN
fbem-29740	211	9	.	.	PUNCT
fbem-29740	212	1	china	china	PROPN
fbem-29740	212	2	's	's	PART
fbem-29740	212	3	explicit	explicit	ADJ
fbem-29740	212	4	deposit	deposit	NOUN
fbem-29740	212	5	insurance	insurance	NOUN
fbem-29740	212	6	system	system	NOUN
fbem-29740	212	7	and	and	CCONJ
fbem-29740	212	8	bank	bank	NOUN
fbem-29740	212	9	risk[j	risk[j	NOUN
fbem-29740	212	10	]	]	PUNCT
fbem-29740	212	11	.	.	PUNCT
fbem-29740	213	1	economic	economic	ADJ
fbem-29740	213	2	research	research	NOUN
fbem-29740	213	3	,	,	PUNCT
fbem-29740	213	4	2020	2020	NUM
fbem-29740	213	5	,	,	PUNCT
fbem-29740	213	6	55(12	55(12	NUM
fbem-29740	213	7	):	):	PUNCT
fbem-29740	213	8	165	165	NUM
fbem-29740	213	9	-	-	SYM
fbem-29740	213	10	181	181	NUM
fbem-29740	213	11	.	.	PUNCT