id	sid	tid	token	lemma	pos
fbem-30059	1	1	frontiers	frontier	NOUN
fbem-30059	1	2	in	in	ADP
fbem-30059	1	3	business	business	NOUN
fbem-30059	1	4	,	,	PUNCT
fbem-30059	1	5	economics	economic	NOUN
fbem-30059	1	6	and	and	CCONJ
fbem-30059	1	7	management	management	NOUN
fbem-30059	1	8	issn	issn	PROPN
fbem-30059	1	9	:	:	PUNCT
fbem-30059	1	10	2766	2766	NUM
fbem-30059	1	11	-	-	PUNCT
fbem-30059	1	12	824x	824x	NUM
fbem-30059	1	13	|	|	ADJ
fbem-30059	1	14	vol	vol	NOUN
fbem-30059	1	15	.	.	PROPN
fbem-30059	1	16	18	18	NUM
fbem-30059	1	17	,	,	PUNCT
fbem-30059	1	18	no	no	INTJ
fbem-30059	1	19	.	.	NOUN
fbem-30059	1	20	3	3	NUM
fbem-30059	1	21	,	,	PUNCT
fbem-30059	1	22	2025	2025	NUM
fbem-30059	1	23	64	64	NUM
fbem-30059	1	24	research	research	NOUN
fbem-30059	1	25	on	on	ADP
fbem-30059	1	26	the	the	DET
fbem-30059	1	27	inhibitory	inhibitory	ADJ
fbem-30059	1	28	effect	effect	NOUN
fbem-30059	1	29	of	of	ADP
fbem-30059	1	30	financial	financial	ADJ
fbem-30059	1	31	literacy	literacy	NOUN
fbem-30059	1	32	on	on	ADP
fbem-30059	1	33	preventing	prevent	VERB
fbem-30059	1	34	victims	victim	NOUN
fbem-30059	1	35	of	of	ADP
fbem-30059	1	36	fraud	fraud	NOUN
fbem-30059	1	37	yilin	yilin	PROPN
fbem-30059	1	38	tian	tian	PROPN
fbem-30059	1	39	*	*	PROPN
fbem-30059	1	40	,	,	PUNCT
fbem-30059	1	41	xiyang	xiyang	PROPN
fbem-30059	1	42	chen	chen	PROPN
fbem-30059	1	43	school	school	PROPN
fbem-30059	1	44	of	of	ADP
fbem-30059	1	45	economics	economic	NOUN
fbem-30059	1	46	and	and	CCONJ
fbem-30059	1	47	management	management	NOUN
fbem-30059	1	48	,	,	PUNCT
fbem-30059	1	49	sichuan	sichuan	PROPN
fbem-30059	1	50	normal	normal	PROPN
fbem-30059	1	51	university	university	PROPN
fbem-30059	1	52	chengdu	chengdu	PROPN
fbem-30059	1	53	610101	610101	PROPN
fbem-30059	1	54	,	,	PUNCT
fbem-30059	1	55	china	china	PROPN
fbem-30059	1	56	*	*	PUNCT
fbem-30059	1	57	corresponding	correspond	VERB
fbem-30059	1	58	author	author	NOUN
fbem-30059	1	59	:	:	PUNCT
fbem-30059	1	60	1703045582@qq.com	1703045582@qq.com	NUM
fbem-30059	1	61	abstract	abstract	NOUN
fbem-30059	1	62	:	:	PUNCT
fbem-30059	1	63	the	the	DET
fbem-30059	1	64	current	current	ADJ
fbem-30059	1	65	situation	situation	NOUN
fbem-30059	1	66	of	of	ADP
fbem-30059	1	67	preventing	prevent	VERB
fbem-30059	1	68	financial	financial	ADJ
fbem-30059	1	69	fraud	fraud	NOUN
fbem-30059	1	70	in	in	ADP
fbem-30059	1	71	china	china	PROPN
fbem-30059	1	72	is	be	AUX
fbem-30059	1	73	severe	severe	ADJ
fbem-30059	1	74	.	.	PUNCT
fbem-30059	2	1	this	this	DET
fbem-30059	2	2	article	article	NOUN
fbem-30059	2	3	aims	aim	VERB
fbem-30059	2	4	to	to	PART
fbem-30059	2	5	analyze	analyze	VERB
fbem-30059	2	6	the	the	DET
fbem-30059	2	7	current	current	ADJ
fbem-30059	2	8	situation	situation	NOUN
fbem-30059	2	9	of	of	ADP
fbem-30059	2	10	preventing	prevent	VERB
fbem-30059	2	11	financial	financial	ADJ
fbem-30059	2	12	fraud	fraud	NOUN
fbem-30059	2	13	in	in	ADP
fbem-30059	2	14	china	china	PROPN
fbem-30059	2	15	,	,	PUNCT
fbem-30059	2	16	the	the	DET
fbem-30059	2	17	shortcomings	shortcoming	NOUN
fbem-30059	2	18	of	of	ADP
fbem-30059	2	19	public	public	ADJ
fbem-30059	2	20	financial	financial	ADJ
fbem-30059	2	21	literacy	literacy	NOUN
fbem-30059	2	22	,	,	PUNCT
fbem-30059	2	23	and	and	CCONJ
fbem-30059	2	24	strategies	strategy	NOUN
fbem-30059	2	25	for	for	ADP
fbem-30059	2	26	improving	improve	VERB
fbem-30059	2	27	financial	financial	ADJ
fbem-30059	2	28	literacy	literacy	NOUN
fbem-30059	2	29	.	.	PUNCT
fbem-30059	3	1	research	research	NOUN
fbem-30059	3	2	has	have	AUX
fbem-30059	3	3	shown	show	VERB
fbem-30059	3	4	that	that	SCONJ
fbem-30059	3	5	there	there	PRON
fbem-30059	3	6	is	be	VERB
fbem-30059	3	7	a	a	DET
fbem-30059	3	8	certain	certain	ADJ
fbem-30059	3	9	"	"	PUNCT
fbem-30059	3	10	u	u	ADJ
fbem-30059	3	11	-	-	ADJ
fbem-30059	3	12	shaped	shape	VERB
fbem-30059	3	13	relationship	relationship	NOUN
fbem-30059	3	14	"	"	PUNCT
fbem-30059	3	15	between	between	ADP
fbem-30059	3	16	financial	financial	ADJ
fbem-30059	3	17	literacy	literacy	NOUN
fbem-30059	3	18	and	and	CCONJ
fbem-30059	3	19	fraud	fraud	NOUN
fbem-30059	3	20	victims	victim	NOUN
fbem-30059	3	21	,	,	PUNCT
fbem-30059	3	22	where	where	SCONJ
fbem-30059	3	23	both	both	DET
fbem-30059	3	24	high	high	ADJ
fbem-30059	3	25	and	and	CCONJ
fbem-30059	3	26	low	low	ADJ
fbem-30059	3	27	levels	level	NOUN
fbem-30059	3	28	of	of	ADP
fbem-30059	3	29	financial	financial	ADJ
fbem-30059	3	30	literacy	literacy	NOUN
fbem-30059	3	31	may	may	AUX
fbem-30059	3	32	increase	increase	VERB
fbem-30059	3	33	an	an	DET
fbem-30059	3	34	individual	individual	NOUN
fbem-30059	3	35	's	's	PART
fbem-30059	3	36	risk	risk	NOUN
fbem-30059	3	37	of	of	ADP
fbem-30059	3	38	financial	financial	ADJ
fbem-30059	3	39	fraud	fraud	NOUN
fbem-30059	3	40	,	,	PUNCT
fbem-30059	3	41	while	while	SCONJ
fbem-30059	3	42	moderate	moderate	ADJ
fbem-30059	3	43	levels	level	NOUN
fbem-30059	3	44	of	of	ADP
fbem-30059	3	45	financial	financial	ADJ
fbem-30059	3	46	literacy	literacy	NOUN
fbem-30059	3	47	can	can	AUX
fbem-30059	3	48	help	help	VERB
fbem-30059	3	49	reduce	reduce	VERB
fbem-30059	3	50	this	this	DET
fbem-30059	3	51	risk	risk	NOUN
fbem-30059	3	52	.	.	PUNCT
fbem-30059	4	1	keywords	keyword	NOUN
fbem-30059	4	2	:	:	PUNCT
fbem-30059	4	3	financial	financial	ADJ
fbem-30059	4	4	literacy	literacy	NOUN
fbem-30059	4	5	,	,	PUNCT
fbem-30059	4	6	financial	financial	ADJ
fbem-30059	4	7	fraud	fraud	NOUN
fbem-30059	4	8	,	,	PUNCT
fbem-30059	4	9	victims	victim	NOUN
fbem-30059	4	10	of	of	ADP
fbem-30059	4	11	fraud	fraud	NOUN
fbem-30059	4	12	,	,	PUNCT
fbem-30059	4	13	inhibitory	inhibitory	ADJ
fbem-30059	4	14	effect	effect	NOUN
fbem-30059	4	15	.	.	PUNCT
fbem-30059	5	1	1	1	X
fbem-30059	5	2	.	.	X
fbem-30059	5	3	introduction	introduction	NOUN
fbem-30059	5	4	with	with	ADP
fbem-30059	5	5	the	the	DET
fbem-30059	5	6	rapid	rapid	ADJ
fbem-30059	5	7	development	development	NOUN
fbem-30059	5	8	of	of	ADP
fbem-30059	5	9	the	the	DET
fbem-30059	5	10	financial	financial	ADJ
fbem-30059	5	11	market	market	NOUN
fbem-30059	5	12	,	,	PUNCT
fbem-30059	5	13	and	and	CCONJ
fbem-30059	5	14	the	the	DET
fbem-30059	5	15	popularization	popularization	NOUN
fbem-30059	5	16	of	of	ADP
fbem-30059	5	17	internet	internet	NOUN
fbem-30059	5	18	financial	financial	ADJ
fbem-30059	5	19	methods	method	NOUN
fbem-30059	5	20	such	such	ADJ
fbem-30059	5	21	as	as	ADP
fbem-30059	5	22	financial	financial	ADJ
fbem-30059	5	23	app	app	NOUN
fbem-30059	5	24	and	and	CCONJ
fbem-30059	5	25	online	online	ADJ
fbem-30059	5	26	payment	payment	NOUN
fbem-30059	5	27	,	,	PUNCT
fbem-30059	5	28	financial	financial	ADJ
fbem-30059	5	29	consumers	consumer	NOUN
fbem-30059	5	30	have	have	VERB
fbem-30059	5	31	better	well	ADJ
fbem-30059	5	32	consumption	consumption	NOUN
fbem-30059	5	33	experience	experience	NOUN
fbem-30059	5	34	,	,	PUNCT
fbem-30059	5	35	more	more	ADV
fbem-30059	5	36	convenient	convenient	ADJ
fbem-30059	5	37	financial	financial	ADJ
fbem-30059	5	38	service	service	NOUN
fbem-30059	5	39	channels	channel	NOUN
fbem-30059	5	40	,	,	PUNCT
fbem-30059	5	41	more	more	ADJ
fbem-30059	5	42	product	product	NOUN
fbem-30059	5	43	choices	choice	NOUN
fbem-30059	5	44	,	,	PUNCT
fbem-30059	5	45	more	more	ADJ
fbem-30059	5	46	inclusive	inclusive	ADJ
fbem-30059	5	47	service	service	NOUN
fbem-30059	5	48	models	model	NOUN
fbem-30059	5	49	and	and	CCONJ
fbem-30059	5	50	products	product	NOUN
fbem-30059	5	51	,	,	PUNCT
fbem-30059	5	52	and	and	CCONJ
fbem-30059	5	53	have	have	AUX
fbem-30059	5	54	also	also	ADV
fbem-30059	5	55	strengthened	strengthen	VERB
fbem-30059	5	56	their	their	PRON
fbem-30059	5	57	huge	huge	ADJ
fbem-30059	5	58	dependence	dependence	NOUN
fbem-30059	5	59	on	on	ADP
fbem-30059	5	60	new	new	ADJ
fbem-30059	5	61	technologies	technology	NOUN
fbem-30059	5	62	such	such	ADJ
fbem-30059	5	63	as	as	ADP
fbem-30059	5	64	the	the	DET
fbem-30059	5	65	internet	internet	NOUN
fbem-30059	5	66	,	,	PUNCT
fbem-30059	5	67	bringing	bring	VERB
fbem-30059	5	68	new	new	ADJ
fbem-30059	5	69	crime	crime	NOUN
fbem-30059	5	70	methods	method	NOUN
fbem-30059	5	71	to	to	ADP
fbem-30059	5	72	criminals	criminal	NOUN
fbem-30059	5	73	.	.	PUNCT
fbem-30059	6	1	as	as	ADV
fbem-30059	6	2	far	far	ADV
fbem-30059	6	3	as	as	SCONJ
fbem-30059	6	4	china	china	PROPN
fbem-30059	6	5	is	be	AUX
fbem-30059	6	6	concerned	concern	VERB
fbem-30059	6	7	,	,	PUNCT
fbem-30059	6	8	by	by	ADP
fbem-30059	6	9	2023	2023	NUM
fbem-30059	6	10	,	,	PUNCT
fbem-30059	6	11	the	the	DET
fbem-30059	6	12	national	national	ADJ
fbem-30059	6	13	procuratorial	procuratorial	ADJ
fbem-30059	6	14	organs	organ	NOUN
fbem-30059	6	15	will	will	AUX
fbem-30059	6	16	prosecute	prosecute	VERB
fbem-30059	6	17	a	a	DET
fbem-30059	6	18	total	total	NOUN
fbem-30059	6	19	of	of	ADP
fbem-30059	6	20	about	about	ADV
fbem-30059	6	21	27000	27000	NUM
fbem-30059	6	22	people	people	NOUN
fbem-30059	6	23	for	for	ADP
fbem-30059	6	24	financial	financial	ADJ
fbem-30059	6	25	fraud	fraud	NOUN
fbem-30059	6	26	and	and	CCONJ
fbem-30059	6	27	crimes	crime	NOUN
fbem-30059	6	28	that	that	PRON
fbem-30059	6	29	disrupt	disrupt	VERB
fbem-30059	6	30	financial	financial	ADJ
fbem-30059	6	31	management	management	NOUN
fbem-30059	6	32	order	order	NOUN
fbem-30059	6	33	,	,	PUNCT
fbem-30059	6	34	including	include	VERB
fbem-30059	6	35	18000	18000	NUM
fbem-30059	6	36	people	people	NOUN
fbem-30059	6	37	for	for	ADP
fbem-30059	6	38	fundraising	fundraise	VERB
fbem-30059	6	39	fraud	fraud	NOUN
fbem-30059	6	40	and	and	CCONJ
fbem-30059	6	41	illegal	illegal	ADJ
fbem-30059	6	42	absorption	absorption	NOUN
fbem-30059	6	43	and	and	CCONJ
fbem-30059	6	44	gathering	gathering	NOUN
fbem-30059	6	45	of	of	ADP
fbem-30059	6	46	public	public	ADJ
fbem-30059	6	47	deposits	deposit	NOUN
fbem-30059	6	48	.	.	PUNCT
fbem-30059	7	1	in	in	ADP
fbem-30059	7	2	addition	addition	NOUN
fbem-30059	7	3	,	,	PUNCT
fbem-30059	7	4	china	china	PROPN
fbem-30059	7	5	's	's	PART
fbem-30059	7	6	procuratorial	procuratorial	ADJ
fbem-30059	7	7	organs	organ	NOUN
fbem-30059	7	8	have	have	AUX
fbem-30059	7	9	prosecuted	prosecute	VERB
fbem-30059	7	10	a	a	DET
fbem-30059	7	11	total	total	NOUN
fbem-30059	7	12	of	of	ADP
fbem-30059	7	13	346	346	NUM
fbem-30059	7	14	people	people	NOUN
fbem-30059	7	15	for	for	ADP
fbem-30059	7	16	securities	security	NOUN
fbem-30059	7	17	crimes	crime	NOUN
fbem-30059	7	18	such	such	ADJ
fbem-30059	7	19	as	as	ADP
fbem-30059	7	20	fraudulent	fraudulent	ADJ
fbem-30059	7	21	issuance	issuance	NOUN
fbem-30059	7	22	,	,	PUNCT
fbem-30059	7	23	insider	insider	NOUN
fbem-30059	7	24	trading	trading	NOUN
fbem-30059	7	25	,	,	PUNCT
fbem-30059	7	26	and	and	CCONJ
fbem-30059	7	27	market	market	NOUN
fbem-30059	7	28	manipulation	manipulation	NOUN
fbem-30059	7	29	,	,	PUNCT
fbem-30059	7	30	as	as	ADV
fbem-30059	7	31	well	well	ADV
fbem-30059	7	32	as	as	ADP
fbem-30059	7	33	2971	2971	NUM
fbem-30059	7	34	people	people	NOUN
fbem-30059	7	35	for	for	ADP
fbem-30059	7	36	money	money	NOUN
fbem-30059	7	37	laundering	laundering	NOUN
fbem-30059	7	38	crimes	crime	NOUN
fbem-30059	7	39	,	,	PUNCT
fbem-30059	7	40	an	an	DET
fbem-30059	7	41	increase	increase	NOUN
fbem-30059	7	42	of	of	ADP
fbem-30059	7	43	about	about	ADP
fbem-30059	7	44	14.94	14.94	NUM
fbem-30059	7	45	%	%	NOUN
fbem-30059	7	46	compared	compare	VERB
fbem-30059	7	47	to	to	ADP
fbem-30059	7	48	previous	previous	ADJ
fbem-30059	7	49	years	year	NOUN
fbem-30059	7	50	.	.	PUNCT
fbem-30059	8	1	at	at	ADP
fbem-30059	8	2	the	the	DET
fbem-30059	8	3	same	same	ADJ
fbem-30059	8	4	time	time	NOUN
fbem-30059	8	5	,	,	PUNCT
fbem-30059	8	6	china	china	PROPN
fbem-30059	8	7	's	's	PART
fbem-30059	8	8	public	public	ADJ
fbem-30059	8	9	security	security	NOUN
fbem-30059	8	10	organs	organ	NOUN
fbem-30059	8	11	have	have	AUX
fbem-30059	8	12	cracked	crack	VERB
fbem-30059	8	13	down	down	ADP
fbem-30059	8	14	on	on	ADP
fbem-30059	8	15	about	about	ADV
fbem-30059	8	16	437000	437000	NUM
fbem-30059	8	17	cases	case	NOUN
fbem-30059	8	18	of	of	ADP
fbem-30059	8	19	telecommunications	telecommunications	NOUN
fbem-30059	8	20	fraud	fraud	NOUN
fbem-30059	8	21	and	and	CCONJ
fbem-30059	8	22	urgently	urgently	ADV
fbem-30059	8	23	intercepted	intercept	VERB
fbem-30059	8	24	approximately	approximately	ADV
fbem-30059	8	25	328.8	328.8	NUM
fbem-30059	8	26	billion	billion	NUM
fbem-30059	8	27	yuan	yuan	NOUN
fbem-30059	8	28	in	in	ADP
fbem-30059	8	29	related	related	ADJ
fbem-30059	8	30	funds	fund	NOUN
fbem-30059	8	31	.	.	PUNCT
fbem-30059	9	1	from	from	ADP
fbem-30059	9	2	here	here	ADV
fbem-30059	9	3	,	,	PUNCT
fbem-30059	9	4	with	with	ADP
fbem-30059	9	5	the	the	DET
fbem-30059	9	6	development	development	NOUN
fbem-30059	9	7	of	of	ADP
fbem-30059	9	8	internet	internet	NOUN
fbem-30059	9	9	technology	technology	NOUN
fbem-30059	9	10	,	,	PUNCT
fbem-30059	9	11	the	the	DET
fbem-30059	9	12	fraud	fraud	NOUN
fbem-30059	9	13	of	of	ADP
fbem-30059	9	14	financial	financial	ADJ
fbem-30059	9	15	fraud	fraud	NOUN
fbem-30059	9	16	is	be	AUX
fbem-30059	9	17	becoming	become	VERB
fbem-30059	9	18	more	more	ADV
fbem-30059	9	19	and	and	CCONJ
fbem-30059	9	20	more	more	ADV
fbem-30059	9	21	serious	serious	ADJ
fbem-30059	9	22	,	,	PUNCT
fbem-30059	9	23	which	which	PRON
fbem-30059	9	24	makes	make	VERB
fbem-30059	9	25	the	the	DET
fbem-30059	9	26	participants	participant	NOUN
fbem-30059	9	27	suffer	suffer	VERB
fbem-30059	9	28	more	more	ADV
fbem-30059	9	29	and	and	CCONJ
fbem-30059	9	30	more	more	ADJ
fbem-30059	9	31	losses	loss	NOUN
fbem-30059	9	32	.	.	PUNCT
fbem-30059	10	1	faced	face	VERB
fbem-30059	10	2	with	with	ADP
fbem-30059	10	3	complex	complex	ADJ
fbem-30059	10	4	and	and	CCONJ
fbem-30059	10	5	diverse	diverse	ADJ
fbem-30059	10	6	forms	form	NOUN
fbem-30059	10	7	of	of	ADP
fbem-30059	10	8	financial	financial	ADJ
fbem-30059	10	9	fraud	fraud	NOUN
fbem-30059	10	10	,	,	PUNCT
fbem-30059	10	11	the	the	DET
fbem-30059	10	12	importance	importance	NOUN
fbem-30059	10	13	of	of	ADP
fbem-30059	10	14	improving	improve	VERB
fbem-30059	10	15	residents	resident	NOUN
fbem-30059	10	16	'	'	PART
fbem-30059	10	17	financial	financial	ADJ
fbem-30059	10	18	literacy	literacy	NOUN
fbem-30059	10	19	for	for	ADP
fbem-30059	10	20	financial	financial	ADJ
fbem-30059	10	21	anti	anti	ADJ
fbem-30059	10	22	-	-	NOUN
fbem-30059	10	23	fraud	fraud	NOUN
fbem-30059	10	24	is	be	AUX
fbem-30059	10	25	increasingly	increasingly	ADV
fbem-30059	10	26	prominent	prominent	ADJ
fbem-30059	10	27	.	.	PUNCT
fbem-30059	11	1	financial	financial	ADJ
fbem-30059	11	2	literacy	literacy	NOUN
fbem-30059	11	3	can	can	AUX
fbem-30059	11	4	significantly	significantly	ADV
fbem-30059	11	5	reduce	reduce	VERB
fbem-30059	11	6	the	the	DET
fbem-30059	11	7	occurrence	occurrence	NOUN
fbem-30059	11	8	of	of	ADP
fbem-30059	11	9	financial	financial	ADJ
fbem-30059	11	10	fraud	fraud	NOUN
fbem-30059	11	11	by	by	ADP
fbem-30059	11	12	influencing	influence	VERB
fbem-30059	11	13	individual	individual	ADJ
fbem-30059	11	14	decision	decision	NOUN
fbem-30059	11	15	-	-	PUNCT
fbem-30059	11	16	making	make	VERB
fbem-30059	11	17	behavior	behavior	NOUN
fbem-30059	11	18	.	.	PUNCT
fbem-30059	12	1	however	however	ADV
fbem-30059	12	2	,	,	PUNCT
fbem-30059	12	3	currently	currently	ADV
fbem-30059	12	4	,	,	PUNCT
fbem-30059	12	5	the	the	DET
fbem-30059	12	6	financial	financial	ADJ
fbem-30059	12	7	literacy	literacy	NOUN
fbem-30059	12	8	of	of	ADP
fbem-30059	12	9	chinese	chinese	ADJ
fbem-30059	12	10	residents	resident	NOUN
fbem-30059	12	11	varies	vary	VERB
fbem-30059	12	12	greatly	greatly	ADV
fbem-30059	12	13	,	,	PUNCT
fbem-30059	12	14	and	and	CCONJ
fbem-30059	12	15	different	different	ADJ
fbem-30059	12	16	groups	group	NOUN
fbem-30059	12	17	of	of	ADP
fbem-30059	12	18	people	people	NOUN
fbem-30059	12	19	with	with	ADP
fbem-30059	12	20	different	different	ADJ
fbem-30059	12	21	literacy	literacy	NOUN
fbem-30059	12	22	levels	level	NOUN
fbem-30059	12	23	may	may	AUX
fbem-30059	12	24	have	have	VERB
fbem-30059	12	25	different	different	ADJ
fbem-30059	12	26	strategies	strategy	NOUN
fbem-30059	12	27	when	when	SCONJ
fbem-30059	12	28	facing	face	VERB
fbem-30059	12	29	financial	financial	ADJ
fbem-30059	12	30	fraud	fraud	NOUN
fbem-30059	12	31	.	.	PUNCT
fbem-30059	13	1	although	although	SCONJ
fbem-30059	13	2	the	the	DET
fbem-30059	13	3	country	country	NOUN
fbem-30059	13	4	has	have	AUX
fbem-30059	13	5	started	start	VERB
fbem-30059	13	6	to	to	PART
fbem-30059	13	7	widely	widely	ADV
fbem-30059	13	8	promote	promote	VERB
fbem-30059	13	9	anti	anti	ADJ
fbem-30059	13	10	-	-	ADJ
fbem-30059	13	11	fraud	fraud	ADJ
fbem-30059	13	12	knowledge	knowledge	NOUN
fbem-30059	13	13	in	in	ADP
fbem-30059	13	14	recent	recent	ADJ
fbem-30059	13	15	years	year	NOUN
fbem-30059	13	16	to	to	PART
fbem-30059	13	17	improve	improve	VERB
fbem-30059	13	18	residents	resident	NOUN
fbem-30059	13	19	'	'	PART
fbem-30059	13	20	financial	financial	ADJ
fbem-30059	13	21	literacy	literacy	NOUN
fbem-30059	13	22	and	and	CCONJ
fbem-30059	13	23	prevent	prevent	VERB
fbem-30059	13	24	financial	financial	ADJ
fbem-30059	13	25	fraud	fraud	NOUN
fbem-30059	13	26	incidents	incident	NOUN
fbem-30059	13	27	.	.	PUNCT
fbem-30059	14	1	however	however	ADV
fbem-30059	14	2	,	,	PUNCT
fbem-30059	14	3	the	the	DET
fbem-30059	14	4	improvement	improvement	NOUN
fbem-30059	14	5	of	of	ADP
fbem-30059	14	6	financial	financial	ADJ
fbem-30059	14	7	literacy	literacy	NOUN
fbem-30059	14	8	does	do	AUX
fbem-30059	14	9	not	not	PART
fbem-30059	14	10	necessarily	necessarily	ADV
fbem-30059	14	11	mean	mean	VERB
fbem-30059	14	12	absolute	absolute	ADJ
fbem-30059	14	13	avoidance	avoidance	NOUN
fbem-30059	14	14	of	of	ADP
fbem-30059	14	15	financial	financial	ADJ
fbem-30059	14	16	fraud	fraud	NOUN
fbem-30059	14	17	.	.	PUNCT
fbem-30059	15	1	on	on	ADP
fbem-30059	15	2	the	the	DET
fbem-30059	15	3	contrary	contrary	NOUN
fbem-30059	15	4	,	,	PUNCT
fbem-30059	15	5	some	some	DET
fbem-30059	15	6	people	people	NOUN
fbem-30059	15	7	with	with	ADP
fbem-30059	15	8	high	high	ADJ
fbem-30059	15	9	financial	financial	ADJ
fbem-30059	15	10	literacy	literacy	NOUN
fbem-30059	15	11	are	be	AUX
fbem-30059	15	12	also	also	ADV
fbem-30059	15	13	likely	likely	ADJ
fbem-30059	15	14	to	to	PART
fbem-30059	15	15	fall	fall	VERB
fbem-30059	15	16	into	into	ADP
fbem-30059	15	17	the	the	DET
fbem-30059	15	18	trap	trap	NOUN
fbem-30059	15	19	of	of	ADP
fbem-30059	15	20	financial	financial	ADJ
fbem-30059	15	21	fraud	fraud	NOUN
fbem-30059	15	22	.	.	PUNCT
fbem-30059	16	1	this	this	DET
fbem-30059	16	2	paper	paper	NOUN
fbem-30059	16	3	aims	aim	VERB
fbem-30059	16	4	to	to	PART
fbem-30059	16	5	analyze	analyze	VERB
fbem-30059	16	6	whether	whether	SCONJ
fbem-30059	16	7	there	there	PRON
fbem-30059	16	8	is	be	VERB
fbem-30059	16	9	a	a	DET
fbem-30059	16	10	"	"	PUNCT
fbem-30059	16	11	u	u	ADJ
fbem-30059	16	12	-	-	ADJ
fbem-30059	16	13	shaped	shape	VERB
fbem-30059	16	14	relationship	relationship	NOUN
fbem-30059	16	15	"	"	PUNCT
fbem-30059	16	16	between	between	ADP
fbem-30059	16	17	financial	financial	ADJ
fbem-30059	16	18	literacy	literacy	NOUN
fbem-30059	16	19	and	and	CCONJ
fbem-30059	16	20	fraud	fraud	NOUN
fbem-30059	16	21	victims	victim	NOUN
fbem-30059	16	22	in	in	ADP
fbem-30059	16	23	the	the	DET
fbem-30059	16	24	context	context	NOUN
fbem-30059	16	25	of	of	ADP
fbem-30059	16	26	the	the	DET
fbem-30059	16	27	rapid	rapid	ADJ
fbem-30059	16	28	development	development	NOUN
fbem-30059	16	29	of	of	ADP
fbem-30059	16	30	internet	internet	NOUN
fbem-30059	16	31	finance	finance	NOUN
fbem-30059	16	32	,	,	PUNCT
fbem-30059	16	33	that	that	ADV
fbem-30059	16	34	is	is	ADV
fbem-30059	16	35	,	,	PUNCT
fbem-30059	16	36	people	people	NOUN
fbem-30059	16	37	with	with	ADP
fbem-30059	16	38	low	low	ADJ
fbem-30059	16	39	financial	financial	ADJ
fbem-30059	16	40	literacy	literacy	NOUN
fbem-30059	16	41	and	and	CCONJ
fbem-30059	16	42	high	high	ADJ
fbem-30059	16	43	financial	financial	ADJ
fbem-30059	16	44	literacy	literacy	NOUN
fbem-30059	16	45	are	be	AUX
fbem-30059	16	46	more	more	ADV
fbem-30059	16	47	likely	likely	ADJ
fbem-30059	16	48	to	to	PART
fbem-30059	16	49	be	be	AUX
fbem-30059	16	50	defrauded	defraud	VERB
fbem-30059	16	51	by	by	ADP
fbem-30059	16	52	financial	financial	ADJ
fbem-30059	16	53	fraud	fraud	NOUN
fbem-30059	16	54	,	,	PUNCT
fbem-30059	16	55	while	while	SCONJ
fbem-30059	16	56	people	people	NOUN
fbem-30059	16	57	with	with	ADP
fbem-30059	16	58	moderate	moderate	ADJ
fbem-30059	16	59	financial	financial	ADJ
fbem-30059	16	60	literacy	literacy	NOUN
fbem-30059	16	61	are	be	AUX
fbem-30059	16	62	the	the	DET
fbem-30059	16	63	least	least	ADV
fbem-30059	16	64	likely	likely	ADJ
fbem-30059	16	65	to	to	PART
fbem-30059	16	66	be	be	AUX
fbem-30059	16	67	defrauded	defraud	VERB
fbem-30059	16	68	by	by	ADP
fbem-30059	16	69	financial	financial	ADJ
fbem-30059	16	70	fraud	fraud	NOUN
fbem-30059	16	71	.	.	PUNCT
fbem-30059	17	1	the	the	DET
fbem-30059	17	2	overall	overall	ADJ
fbem-30059	17	3	trend	trend	NOUN
fbem-30059	17	4	shows	show	VERB
fbem-30059	17	5	a	a	DET
fbem-30059	17	6	"	"	PUNCT
fbem-30059	17	7	u	u	ADJ
fbem-30059	17	8	-	-	ADJ
fbem-30059	17	9	shaped	shaped	ADJ
fbem-30059	17	10	"	"	PUNCT
fbem-30059	17	11	distribution	distribution	NOUN
fbem-30059	17	12	in	in	ADP
fbem-30059	17	13	form	form	NOUN
fbem-30059	17	14	.	.	PUNCT
fbem-30059	18	1	2	2	X
fbem-30059	18	2	.	.	X
fbem-30059	18	3	theoretical	theoretical	ADJ
fbem-30059	18	4	analysis	analysis	NOUN
fbem-30059	18	5	and	and	CCONJ
fbem-30059	18	6	research	research	NOUN
fbem-30059	18	7	hypotheses	hypothese	VERB
fbem-30059	18	8	the	the	DET
fbem-30059	18	9	impact	impact	NOUN
fbem-30059	18	10	of	of	ADP
fbem-30059	18	11	residents	resident	NOUN
fbem-30059	18	12	'	'	PART
fbem-30059	18	13	financial	financial	ADJ
fbem-30059	18	14	literacy	literacy	NOUN
fbem-30059	18	15	on	on	ADP
fbem-30059	18	16	financial	financial	ADJ
fbem-30059	18	17	fraud	fraud	NOUN
fbem-30059	18	18	is	be	AUX
fbem-30059	18	19	very	very	ADV
fbem-30059	18	20	high	high	ADJ
fbem-30059	18	21	,	,	PUNCT
fbem-30059	18	22	and	and	CCONJ
fbem-30059	18	23	one	one	NUM
fbem-30059	18	24	of	of	ADP
fbem-30059	18	25	the	the	DET
fbem-30059	18	26	key	key	ADJ
fbem-30059	18	27	factors	factor	NOUN
fbem-30059	18	28	determining	determine	VERB
fbem-30059	18	29	the	the	DET
fbem-30059	18	30	quality	quality	NOUN
fbem-30059	18	31	of	of	ADP
fbem-30059	18	32	an	an	DET
fbem-30059	18	33	individual	individual	NOUN
fbem-30059	18	34	's	's	PART
fbem-30059	18	35	financial	financial	ADJ
fbem-30059	18	36	situation	situation	NOUN
fbem-30059	18	37	is	be	AUX
fbem-30059	18	38	the	the	DET
fbem-30059	18	39	level	level	NOUN
fbem-30059	18	40	of	of	ADP
fbem-30059	18	41	financial	financial	ADJ
fbem-30059	18	42	literacy	literacy	NOUN
fbem-30059	18	43	.	.	PUNCT
fbem-30059	19	1	financial	financial	ADJ
fbem-30059	19	2	literacy	literacy	NOUN
fbem-30059	19	3	encompasses	encompass	VERB
fbem-30059	19	4	multiple	multiple	ADJ
fbem-30059	19	5	aspects	aspect	NOUN
fbem-30059	19	6	such	such	ADJ
fbem-30059	19	7	as	as	ADP
fbem-30059	19	8	financial	financial	ADJ
fbem-30059	19	9	knowledge	knowledge	NOUN
fbem-30059	19	10	,	,	PUNCT
fbem-30059	19	11	technology	technology	NOUN
fbem-30059	19	12	,	,	PUNCT
fbem-30059	19	13	awareness	awareness	NOUN
fbem-30059	19	14	,	,	PUNCT
fbem-30059	19	15	attitude	attitude	NOUN
fbem-30059	19	16	,	,	PUNCT
fbem-30059	19	17	and	and	CCONJ
fbem-30059	19	18	behavior	behavior	NOUN
fbem-30059	19	19	.	.	PUNCT
fbem-30059	20	1	through	through	ADP
fbem-30059	20	2	the	the	DET
fbem-30059	20	3	research	research	NOUN
fbem-30059	20	4	of	of	ADP
fbem-30059	20	5	domestic	domestic	ADJ
fbem-30059	20	6	and	and	CCONJ
fbem-30059	20	7	foreign	foreign	ADJ
fbem-30059	20	8	scholars	scholar	NOUN
fbem-30059	20	9	,	,	PUNCT
fbem-30059	20	10	it	it	PRON
fbem-30059	20	11	has	have	AUX
fbem-30059	20	12	been	be	AUX
fbem-30059	20	13	found	find	VERB
fbem-30059	20	14	that	that	SCONJ
fbem-30059	20	15	there	there	PRON
fbem-30059	20	16	are	be	VERB
fbem-30059	20	17	many	many	ADJ
fbem-30059	20	18	factors	factor	NOUN
fbem-30059	20	19	that	that	PRON
fbem-30059	20	20	affect	affect	VERB
fbem-30059	20	21	whether	whether	SCONJ
fbem-30059	20	22	residents	resident	NOUN
fbem-30059	20	23	are	be	AUX
fbem-30059	20	24	victims	victim	NOUN
fbem-30059	20	25	of	of	ADP
fbem-30059	20	26	financial	financial	ADJ
fbem-30059	20	27	fraud	fraud	NOUN
fbem-30059	20	28	,	,	PUNCT
fbem-30059	20	29	including	include	VERB
fbem-30059	20	30	their	their	PRON
fbem-30059	20	31	age	age	NOUN
fbem-30059	20	32	,	,	PUNCT
fbem-30059	20	33	occupation	occupation	NOUN
fbem-30059	20	34	,	,	PUNCT
fbem-30059	20	35	income	income	NOUN
fbem-30059	20	36	,	,	PUNCT
fbem-30059	20	37	education	education	NOUN
fbem-30059	20	38	level	level	NOUN
fbem-30059	20	39	,	,	PUNCT
fbem-30059	20	40	and	and	CCONJ
fbem-30059	20	41	regional	regional	ADJ
fbem-30059	20	42	development	development	NOUN
fbem-30059	20	43	level	level	NOUN
fbem-30059	20	44	.	.	PUNCT
fbem-30059	21	1	however	however	ADV
fbem-30059	21	2	,	,	PUNCT
fbem-30059	21	3	improving	improve	VERB
fbem-30059	21	4	the	the	DET
fbem-30059	21	5	financial	financial	ADJ
fbem-30059	21	6	literacy	literacy	NOUN
fbem-30059	21	7	of	of	ADP
fbem-30059	21	8	individual	individual	ADJ
fbem-30059	21	9	residents	resident	NOUN
fbem-30059	21	10	is	be	AUX
fbem-30059	21	11	considered	consider	VERB
fbem-30059	21	12	an	an	DET
fbem-30059	21	13	effective	effective	ADJ
fbem-30059	21	14	method	method	NOUN
fbem-30059	21	15	to	to	PART
fbem-30059	21	16	prevent	prevent	VERB
fbem-30059	21	17	financial	financial	ADJ
fbem-30059	21	18	fraud	fraud	NOUN
fbem-30059	21	19	,	,	PUNCT
fbem-30059	21	20	and	and	CCONJ
fbem-30059	21	21	many	many	ADJ
fbem-30059	21	22	scholars	scholar	NOUN
fbem-30059	21	23	believe	believe	VERB
fbem-30059	21	24	that	that	SCONJ
fbem-30059	21	25	the	the	DET
fbem-30059	21	26	lack	lack	NOUN
fbem-30059	21	27	of	of	ADP
fbem-30059	21	28	financial	financial	ADJ
fbem-30059	21	29	literacy	literacy	NOUN
fbem-30059	21	30	is	be	AUX
fbem-30059	21	31	one	one	NUM
fbem-30059	21	32	of	of	ADP
fbem-30059	21	33	the	the	DET
fbem-30059	21	34	important	important	ADJ
fbem-30059	21	35	factors	factor	NOUN
fbem-30059	21	36	in	in	ADP
fbem-30059	21	37	being	be	AUX
fbem-30059	21	38	victims	victim	NOUN
fbem-30059	21	39	of	of	ADP
fbem-30059	21	40	financial	financial	ADJ
fbem-30059	21	41	fraud	fraud	NOUN
fbem-30059	21	42	.	.	PUNCT
fbem-30059	22	1	however	however	ADV
fbem-30059	22	2	,	,	PUNCT
fbem-30059	22	3	a	a	DET
fbem-30059	22	4	new	new	ADJ
fbem-30059	22	5	theory	theory	NOUN
fbem-30059	22	6	suggests	suggest	VERB
fbem-30059	22	7	that	that	SCONJ
fbem-30059	22	8	individuals	individual	NOUN
fbem-30059	22	9	with	with	ADP
fbem-30059	22	10	excessive	excessive	ADJ
fbem-30059	22	11	financial	financial	ADJ
fbem-30059	22	12	knowledge	knowledge	NOUN
fbem-30059	22	13	are	be	AUX
fbem-30059	22	14	more	more	ADV
fbem-30059	22	15	susceptible	susceptible	ADJ
fbem-30059	22	16	to	to	ADP
fbem-30059	22	17	financial	financial	ADJ
fbem-30059	22	18	fraud	fraud	NOUN
fbem-30059	22	19	.	.	PUNCT
fbem-30059	23	1	overconfidence	overconfidence	NOUN
fbem-30059	23	2	in	in	ADP
fbem-30059	23	3	financial	financial	ADJ
fbem-30059	23	4	literacy	literacy	NOUN
fbem-30059	23	5	can	can	AUX
fbem-30059	23	6	lead	lead	VERB
fbem-30059	23	7	to	to	ADP
fbem-30059	23	8	changes	change	NOUN
fbem-30059	23	9	in	in	ADP
fbem-30059	23	10	corresponding	correspond	VERB
fbem-30059	23	11	values	value	NOUN
fbem-30059	23	12	and	and	CCONJ
fbem-30059	23	13	ultimately	ultimately	ADV
fbem-30059	23	14	affect	affect	VERB
fbem-30059	23	15	people	people	NOUN
fbem-30059	23	16	's	's	PART
fbem-30059	23	17	susceptibility	susceptibility	NOUN
fbem-30059	23	18	to	to	ADP
fbem-30059	23	19	financial	financial	ADJ
fbem-30059	23	20	fraud	fraud	NOUN
fbem-30059	23	21	.	.	PUNCT
fbem-30059	24	1	at	at	ADP
fbem-30059	24	2	the	the	DET
fbem-30059	24	3	same	same	ADJ
fbem-30059	24	4	time	time	NOUN
fbem-30059	24	5	,	,	PUNCT
fbem-30059	24	6	overconfidence	overconfidence	NOUN
fbem-30059	24	7	in	in	ADP
fbem-30059	24	8	financial	financial	ADJ
fbem-30059	24	9	literacy	literacy	NOUN
fbem-30059	24	10	may	may	AUX
fbem-30059	24	11	lead	lead	VERB
fbem-30059	24	12	some	some	DET
fbem-30059	24	13	individual	individual	ADJ
fbem-30059	24	14	residents	resident	NOUN
fbem-30059	24	15	to	to	PART
fbem-30059	24	16	increase	increase	VERB
fbem-30059	24	17	their	their	PRON
fbem-30059	24	18	allocation	allocation	NOUN
fbem-30059	24	19	ratio	ratio	NOUN
fbem-30059	24	20	and	and	CCONJ
fbem-30059	24	21	investment	investment	NOUN
fbem-30059	24	22	amount	amount	NOUN
fbem-30059	24	23	of	of	ADP
fbem-30059	24	24	financial	financial	ADJ
fbem-30059	24	25	risk	risk	NOUN
fbem-30059	24	26	assets	asset	NOUN
fbem-30059	24	27	.	.	PUNCT
fbem-30059	25	1	these	these	DET
fbem-30059	25	2	investors	investor	NOUN
fbem-30059	25	3	have	have	VERB
fbem-30059	25	4	a	a	DET
fbem-30059	25	5	lower	low	ADJ
fbem-30059	25	6	degree	degree	NOUN
fbem-30059	25	7	of	of	ADP
fbem-30059	25	8	diversification	diversification	NOUN
fbem-30059	25	9	in	in	ADP
fbem-30059	25	10	their	their	PRON
fbem-30059	25	11	investment	investment	NOUN
fbem-30059	25	12	portfolios	portfolio	NOUN
fbem-30059	25	13	and	and	CCONJ
fbem-30059	25	14	have	have	VERB
fbem-30059	25	15	a	a	DET
fbem-30059	25	16	deep	deep	ADJ
fbem-30059	25	17	belief	belief	NOUN
fbem-30059	25	18	in	in	ADP
fbem-30059	25	19	their	their	PRON
fbem-30059	25	20	financial	financial	ADJ
fbem-30059	25	21	literacy	literacy	NOUN
fbem-30059	25	22	,	,	PUNCT
fbem-30059	25	23	thus	thus	ADV
fbem-30059	25	24	bearing	bear	VERB
fbem-30059	25	25	excessive	excessive	ADJ
fbem-30059	25	26	risks	risk	NOUN
fbem-30059	25	27	required	require	VERB
fbem-30059	25	28	to	to	PART
fbem-30059	25	29	achieve	achieve	VERB
fbem-30059	25	30	expected	expect	VERB
fbem-30059	25	31	returns	return	NOUN
fbem-30059	25	32	and	and	CCONJ
fbem-30059	25	33	increasing	increase	VERB
fbem-30059	25	34	the	the	DET
fbem-30059	25	35	likelihood	likelihood	NOUN
fbem-30059	25	36	of	of	ADP
fbem-30059	25	37	financial	financial	ADJ
fbem-30059	25	38	fraud	fraud	NOUN
fbem-30059	25	39	.	.	PUNCT
fbem-30059	26	1	more	more	ADV
fbem-30059	26	2	importantly	importantly	ADV
fbem-30059	26	3	,	,	PUNCT
fbem-30059	26	4	for	for	ADP
fbem-30059	26	5	those	those	PRON
fbem-30059	26	6	who	who	PRON
fbem-30059	26	7	are	be	AUX
fbem-30059	26	8	overconfident	overconfident	ADJ
fbem-30059	26	9	in	in	ADP
fbem-30059	26	10	their	their	PRON
fbem-30059	26	11	financial	financial	ADJ
fbem-30059	26	12	literacy	literacy	NOUN
fbem-30059	26	13	,	,	PUNCT
fbem-30059	26	14	their	their	PRON
fbem-30059	26	15	confidence	confidence	NOUN
fbem-30059	26	16	in	in	ADP
fbem-30059	26	17	their	their	PRON
fbem-30059	26	18	own	own	ADJ
fbem-30059	26	19	financial	financial	ADJ
fbem-30059	26	20	decisions	decision	NOUN
fbem-30059	26	21	and	and	CCONJ
fbem-30059	26	22	investment	investment	NOUN
fbem-30059	26	23	behavior	behavior	NOUN
fbem-30059	26	24	instinctively	instinctively	ADV
fbem-30059	26	25	reduces	reduce	VERB
fbem-30059	26	26	potential	potential	ADJ
fbem-30059	26	27	financial	financial	ADJ
fbem-30059	26	28	risks	risk	NOUN
fbem-30059	26	29	,	,	PUNCT
fbem-30059	26	30	further	far	ADV
fbem-30059	26	31	increasing	increase	VERB
fbem-30059	26	32	the	the	DET
fbem-30059	26	33	likelihood	likelihood	NOUN
fbem-30059	26	34	of	of	ADP
fbem-30059	26	35	financial	financial	ADJ
fbem-30059	26	36	fraud	fraud	NOUN
fbem-30059	26	37	and	and	CCONJ
fbem-30059	26	38	increasing	increase	VERB
fbem-30059	26	39	the	the	DET
fbem-30059	26	40	losses	loss	NOUN
fbem-30059	26	41	from	from	ADP
fbem-30059	26	42	fraud	fraud	NOUN
fbem-30059	26	43	.	.	PUNCT
fbem-30059	27	1	for	for	ADP
fbem-30059	27	2	people	people	NOUN
fbem-30059	27	3	with	with	ADP
fbem-30059	27	4	low	low	ADJ
fbem-30059	27	5	financial	financial	ADJ
fbem-30059	27	6	literacy	literacy	NOUN
fbem-30059	27	7	,	,	PUNCT
fbem-30059	27	8	the	the	DET
fbem-30059	27	9	risk	risk	NOUN
fbem-30059	27	10	of	of	ADP
fbem-30059	27	11	financial	financial	ADJ
fbem-30059	27	12	fraud	fraud	NOUN
fbem-30059	27	13	is	be	AUX
fbem-30059	27	14	self	self	NOUN
fbem-30059	27	15	-	-	PUNCT
fbem-30059	27	16	evident	evident	ADJ
fbem-30059	27	17	.	.	PUNCT
fbem-30059	28	1	here	here	ADV
fbem-30059	28	2	,	,	PUNCT
fbem-30059	28	3	this	this	DET
fbem-30059	28	4	article	article	NOUN
fbem-30059	28	5	focuses	focus	VERB
fbem-30059	28	6	on	on	ADP
fbem-30059	28	7	analyzing	analyze	VERB
fbem-30059	28	8	65	65	NUM
fbem-30059	28	9	young	young	ADJ
fbem-30059	28	10	people	people	NOUN
fbem-30059	28	11	who	who	PRON
fbem-30059	28	12	have	have	AUX
fbem-30059	28	13	just	just	ADV
fbem-30059	28	14	entered	enter	VERB
fbem-30059	28	15	society	society	NOUN
fbem-30059	28	16	and	and	CCONJ
fbem-30059	28	17	do	do	AUX
fbem-30059	28	18	not	not	PART
fbem-30059	28	19	have	have	VERB
fbem-30059	28	20	much	much	ADJ
fbem-30059	28	21	financial	financial	ADJ
fbem-30059	28	22	literacy	literacy	NOUN
fbem-30059	28	23	and	and	CCONJ
fbem-30059	28	24	experience	experience	NOUN
fbem-30059	28	25	,	,	PUNCT
fbem-30059	28	26	as	as	ADV
fbem-30059	28	27	well	well	ADV
fbem-30059	28	28	as	as	ADP
fbem-30059	28	29	elderly	elderly	ADJ
fbem-30059	28	30	people	people	NOUN
fbem-30059	28	31	living	live	VERB
fbem-30059	28	32	in	in	ADP
fbem-30059	28	33	urban	urban	ADJ
fbem-30059	28	34	and	and	CCONJ
fbem-30059	28	35	rural	rural	ADJ
fbem-30059	28	36	areas	area	NOUN
fbem-30059	28	37	with	with	ADP
fbem-30059	28	38	weak	weak	ADJ
fbem-30059	28	39	financial	financial	ADJ
fbem-30059	28	40	literacy	literacy	NOUN
fbem-30059	28	41	awareness	awareness	NOUN
fbem-30059	28	42	.	.	PUNCT
fbem-30059	29	1	from	from	ADP
fbem-30059	29	2	an	an	DET
fbem-30059	29	3	internal	internal	ADJ
fbem-30059	29	4	perspective	perspective	NOUN
fbem-30059	29	5	,	,	PUNCT
fbem-30059	29	6	many	many	ADJ
fbem-30059	29	7	elderly	elderly	ADJ
fbem-30059	29	8	people	people	NOUN
fbem-30059	29	9	can	can	AUX
fbem-30059	29	10	still	still	ADV
fbem-30059	29	11	maintain	maintain	VERB
fbem-30059	29	12	certain	certain	ADJ
fbem-30059	29	13	functions	function	NOUN
fbem-30059	29	14	in	in	ADP
fbem-30059	29	15	most	most	ADJ
fbem-30059	29	16	cognitive	cognitive	ADJ
fbem-30059	29	17	domains	domain	NOUN
fbem-30059	29	18	in	in	ADP
fbem-30059	29	19	their	their	PRON
fbem-30059	29	20	later	later	ADJ
fbem-30059	29	21	years	year	NOUN
fbem-30059	29	22	,	,	PUNCT
fbem-30059	29	23	but	but	CCONJ
fbem-30059	29	24	the	the	DET
fbem-30059	29	25	decline	decline	NOUN
fbem-30059	29	26	in	in	ADP
fbem-30059	29	27	various	various	ADJ
fbem-30059	29	28	response	response	NOUN
fbem-30059	29	29	abilities	ability	NOUN
fbem-30059	29	30	caused	cause	VERB
fbem-30059	29	31	by	by	ADP
fbem-30059	29	32	aging	aging	NOUN
fbem-30059	29	33	may	may	AUX
fbem-30059	29	34	affect	affect	VERB
fbem-30059	29	35	financial	financial	ADJ
fbem-30059	29	36	decision	decision	NOUN
fbem-30059	29	37	-	-	PUNCT
fbem-30059	29	38	making	making	NOUN
fbem-30059	29	39	,	,	PUNCT
fbem-30059	29	40	leading	lead	VERB
fbem-30059	29	41	to	to	ADP
fbem-30059	29	42	a	a	DET
fbem-30059	29	43	physical	physical	ADJ
fbem-30059	29	44	and	and	CCONJ
fbem-30059	29	45	natural	natural	ADJ
fbem-30059	29	46	decrease	decrease	NOUN
fbem-30059	29	47	in	in	ADP
fbem-30059	29	48	financial	financial	ADJ
fbem-30059	29	49	literacy	literacy	NOUN
fbem-30059	29	50	.	.	PUNCT
fbem-30059	30	1	from	from	ADP
fbem-30059	30	2	an	an	DET
fbem-30059	30	3	external	external	ADJ
fbem-30059	30	4	perspective	perspective	NOUN
fbem-30059	30	5	,	,	PUNCT
fbem-30059	30	6	peng	peng	PROPN
fbem-30059	30	7	yuwei	yuwei	PROPN
fbem-30059	30	8	stated	state	VERB
fbem-30059	30	9	that	that	SCONJ
fbem-30059	30	10	financial	financial	ADJ
fbem-30059	30	11	fraud	fraud	NOUN
fbem-30059	30	12	also	also	ADV
fbem-30059	30	13	has	have	VERB
fbem-30059	30	14	social	social	ADJ
fbem-30059	30	15	factors	factor	NOUN
fbem-30059	30	16	.	.	PUNCT
fbem-30059	31	1	for	for	ADP
fbem-30059	31	2	example	example	NOUN
fbem-30059	31	3	,	,	PUNCT
fbem-30059	31	4	elderly	elderly	ADJ
fbem-30059	31	5	people	people	NOUN
fbem-30059	31	6	believe	believe	VERB
fbem-30059	31	7	in	in	ADP
fbem-30059	31	8	mostly	mostly	ADV
fbem-30059	31	9	feudal	feudal	ADJ
fbem-30059	31	10	superstitions	superstition	NOUN
fbem-30059	31	11	,	,	PUNCT
fbem-30059	31	12	trust	trust	VERB
fbem-30059	31	13	others	other	NOUN
fbem-30059	31	14	easily	easily	ADV
fbem-30059	31	15	,	,	PUNCT
fbem-30059	31	16	blindly	blindly	ADV
fbem-30059	31	17	trust	trust	VERB
fbem-30059	31	18	others	other	NOUN
fbem-30059	31	19	'	'	PART
fbem-30059	31	20	advice	advice	NOUN
fbem-30059	31	21	and	and	CCONJ
fbem-30059	31	22	encouragement	encouragement	NOUN
fbem-30059	31	23	,	,	PUNCT
fbem-30059	31	24	and	and	CCONJ
fbem-30059	31	25	are	be	AUX
fbem-30059	31	26	anxious	anxious	ADJ
fbem-30059	31	27	about	about	ADP
fbem-30059	31	28	their	their	PRON
fbem-30059	31	29	own	own	ADJ
fbem-30059	31	30	physical	physical	ADJ
fbem-30059	31	31	health	health	NOUN
fbem-30059	31	32	and	and	CCONJ
fbem-30059	31	33	wealth	wealth	NOUN
fbem-30059	31	34	situation	situation	NOUN
fbem-30059	31	35	.	.	PUNCT
fbem-30059	32	1	therefore	therefore	ADV
fbem-30059	32	2	,	,	PUNCT
fbem-30059	32	3	they	they	PRON
fbem-30059	32	4	love	love	VERB
fbem-30059	32	5	to	to	PART
fbem-30059	32	6	seek	seek	VERB
fbem-30059	32	7	small	small	ADJ
fbem-30059	32	8	benefits	benefit	NOUN
fbem-30059	32	9	.	.	PUNCT
fbem-30059	33	1	faced	face	VERB
fbem-30059	33	2	with	with	ADP
fbem-30059	33	3	the	the	DET
fbem-30059	33	4	deliberate	deliberate	ADJ
fbem-30059	33	5	benefits	benefit	NOUN
fbem-30059	33	6	given	give	VERB
fbem-30059	33	7	by	by	ADP
fbem-30059	33	8	fraudsters	fraudster	NOUN
fbem-30059	33	9	and	and	CCONJ
fbem-30059	33	10	the	the	DET
fbem-30059	33	11	extensive	extensive	ADJ
fbem-30059	33	12	promotion	promotion	NOUN
fbem-30059	33	13	and	and	CCONJ
fbem-30059	33	14	disguise	disguise	NOUN
fbem-30059	33	15	of	of	ADP
fbem-30059	33	16	financial	financial	ADJ
fbem-30059	33	17	traps	trap	NOUN
fbem-30059	33	18	,	,	PUNCT
fbem-30059	33	19	the	the	DET
fbem-30059	33	20	elderly	elderly	ADJ
fbem-30059	33	21	become	become	VERB
fbem-30059	33	22	blinded	blind	VERB
fbem-30059	33	23	and	and	CCONJ
fbem-30059	33	24	act	act	VERB
fbem-30059	33	25	blindly	blindly	ADV
fbem-30059	33	26	,	,	PUNCT
fbem-30059	33	27	which	which	PRON
fbem-30059	33	28	also	also	ADV
fbem-30059	33	29	makes	make	VERB
fbem-30059	33	30	them	they	PRON
fbem-30059	33	31	more	more	ADV
fbem-30059	33	32	susceptible	susceptible	ADJ
fbem-30059	33	33	to	to	ADP
fbem-30059	33	34	being	be	AUX
fbem-30059	33	35	deceived	deceive	VERB
fbem-30059	33	36	.	.	PUNCT
fbem-30059	34	1	for	for	ADP
fbem-30059	34	2	many	many	ADJ
fbem-30059	34	3	young	young	ADJ
fbem-30059	34	4	people	people	NOUN
fbem-30059	34	5	who	who	PRON
fbem-30059	34	6	lack	lack	VERB
fbem-30059	34	7	financial	financial	ADJ
fbem-30059	34	8	literacy	literacy	NOUN
fbem-30059	34	9	,	,	PUNCT
fbem-30059	34	10	especially	especially	ADV
fbem-30059	34	11	contemporary	contemporary	ADJ
fbem-30059	34	12	college	college	NOUN
fbem-30059	34	13	students	student	NOUN
fbem-30059	34	14	,	,	PUNCT
fbem-30059	34	15	excessive	excessive	ADJ
fbem-30059	34	16	consumption	consumption	NOUN
fbem-30059	34	17	behavior	behavior	NOUN
fbem-30059	34	18	is	be	AUX
fbem-30059	34	19	not	not	PART
fbem-30059	34	20	uncommon	uncommon	ADJ
fbem-30059	34	21	,	,	PUNCT
fbem-30059	34	22	which	which	PRON
fbem-30059	34	23	is	be	AUX
fbem-30059	34	24	also	also	ADV
fbem-30059	34	25	a	a	DET
fbem-30059	34	26	direct	direct	ADJ
fbem-30059	34	27	factor	factor	NOUN
fbem-30059	34	28	leading	lead	VERB
fbem-30059	34	29	them	they	PRON
fbem-30059	34	30	into	into	ADP
fbem-30059	34	31	the	the	DET
fbem-30059	34	32	"	"	PUNCT
fbem-30059	34	33	interest	interest	NOUN
fbem-30059	34	34	rate	rate	NOUN
fbem-30059	34	35	trap	trap	NOUN
fbem-30059	34	36	"	"	PUNCT
fbem-30059	34	37	set	set	VERB
fbem-30059	34	38	by	by	ADP
fbem-30059	34	39	criminals	criminal	NOUN
fbem-30059	34	40	.	.	PUNCT
fbem-30059	35	1	fraudsters	fraudster	NOUN
fbem-30059	35	2	lure	lure	VERB
fbem-30059	35	3	them	they	PRON
fbem-30059	35	4	to	to	PART
fbem-30059	35	5	borrow	borrow	VERB
fbem-30059	35	6	money	money	NOUN
fbem-30059	35	7	from	from	ADP
fbem-30059	35	8	illegal	illegal	ADJ
fbem-30059	35	9	online	online	ADJ
fbem-30059	35	10	lending	lending	NOUN
fbem-30059	35	11	platforms	platform	NOUN
fbem-30059	35	12	,	,	PUNCT
fbem-30059	35	13	resulting	result	VERB
fbem-30059	35	14	in	in	ADP
fbem-30059	35	15	huge	huge	ADJ
fbem-30059	35	16	compensation	compensation	NOUN
fbem-30059	35	17	that	that	SCONJ
fbem-30059	35	18	they	they	PRON
fbem-30059	35	19	can	can	AUX
fbem-30059	35	20	not	not	PART
fbem-30059	35	21	repay	repay	VERB
fbem-30059	35	22	;	;	PUNCT
fbem-30059	35	23	this	this	PRON
fbem-30059	35	24	is	be	AUX
fbem-30059	35	25	one	one	NUM
fbem-30059	35	26	of	of	ADP
fbem-30059	35	27	the	the	DET
fbem-30059	35	28	important	important	ADJ
fbem-30059	35	29	factors	factor	NOUN
fbem-30059	35	30	that	that	PRON
fbem-30059	35	31	push	push	VERB
fbem-30059	35	32	many	many	ADJ
fbem-30059	35	33	college	college	NOUN
fbem-30059	35	34	students	student	NOUN
fbem-30059	35	35	towards	towards	ADP
fbem-30059	35	36	depression	depression	NOUN
fbem-30059	35	37	and	and	CCONJ
fbem-30059	35	38	even	even	ADV
fbem-30059	35	39	suicide	suicide	NOUN
fbem-30059	35	40	.	.	PUNCT
fbem-30059	36	1	however	however	ADV
fbem-30059	36	2	,	,	PUNCT
fbem-30059	36	3	whether	whether	SCONJ
fbem-30059	36	4	easily	easily	ADV
fbem-30059	36	5	misled	mislead	VERB
fbem-30059	36	6	by	by	ADP
fbem-30059	36	7	fraudsters	fraudster	NOUN
fbem-30059	36	8	,	,	PUNCT
fbem-30059	36	9	or	or	CCONJ
fbem-30059	36	10	lacking	lack	VERB
fbem-30059	36	11	the	the	DET
fbem-30059	36	12	use	use	NOUN
fbem-30059	36	13	of	of	ADP
fbem-30059	36	14	internet	internet	NOUN
fbem-30059	36	15	financial	financial	ADJ
fbem-30059	36	16	tools	tool	NOUN
fbem-30059	36	17	,	,	PUNCT
fbem-30059	36	18	or	or	CCONJ
fbem-30059	36	19	falling	fall	VERB
fbem-30059	36	20	into	into	ADP
fbem-30059	36	21	the	the	DET
fbem-30059	36	22	"	"	PUNCT
fbem-30059	36	23	interest	interest	NOUN
fbem-30059	36	24	rate	rate	NOUN
fbem-30059	36	25	trap	trap	NOUN
fbem-30059	36	26	"	"	PUNCT
fbem-30059	36	27	,	,	PUNCT
fbem-30059	36	28	the	the	DET
fbem-30059	36	29	fundamental	fundamental	ADJ
fbem-30059	36	30	reason	reason	NOUN
fbem-30059	36	31	is	be	AUX
fbem-30059	36	32	still	still	ADV
fbem-30059	36	33	that	that	SCONJ
fbem-30059	36	34	they	they	PRON
fbem-30059	36	35	are	be	AUX
fbem-30059	36	36	unable	unable	ADJ
fbem-30059	36	37	to	to	PART
fbem-30059	36	38	accurately	accurately	ADV
fbem-30059	36	39	judge	judge	VERB
fbem-30059	36	40	financial	financial	ADJ
fbem-30059	36	41	fraud	fraud	NOUN
fbem-30059	36	42	due	due	ADP
fbem-30059	36	43	to	to	ADP
fbem-30059	36	44	their	their	PRON
fbem-30059	36	45	lack	lack	NOUN
fbem-30059	36	46	of	of	ADP
fbem-30059	36	47	good	good	ADJ
fbem-30059	36	48	financial	financial	ADJ
fbem-30059	36	49	literacy	literacy	NOUN
fbem-30059	36	50	foundation	foundation	NOUN
fbem-30059	36	51	.	.	PUNCT
fbem-30059	37	1	compared	compare	VERB
fbem-30059	37	2	to	to	ADP
fbem-30059	37	3	these	these	DET
fbem-30059	37	4	two	two	NUM
fbem-30059	37	5	,	,	PUNCT
fbem-30059	37	6	it	it	PRON
fbem-30059	37	7	is	be	AUX
fbem-30059	37	8	temporarily	temporarily	ADV
fbem-30059	37	9	speculated	speculate	VERB
fbem-30059	37	10	that	that	SCONJ
fbem-30059	37	11	the	the	DET
fbem-30059	37	12	middle	middle	ADJ
fbem-30059	37	13	-	-	PUNCT
fbem-30059	37	14	income	income	NOUN
fbem-30059	37	15	group	group	NOUN
fbem-30059	37	16	with	with	ADP
fbem-30059	37	17	a	a	DET
fbem-30059	37	18	certain	certain	ADJ
fbem-30059	37	19	level	level	NOUN
fbem-30059	37	20	of	of	ADP
fbem-30059	37	21	financial	financial	ADJ
fbem-30059	37	22	literacy	literacy	NOUN
fbem-30059	37	23	has	have	AUX
fbem-30059	37	24	become	become	VERB
fbem-30059	37	25	the	the	DET
fbem-30059	37	26	group	group	NOUN
fbem-30059	37	27	with	with	ADP
fbem-30059	37	28	the	the	DET
fbem-30059	37	29	least	least	ADJ
fbem-30059	37	30	possibility	possibility	NOUN
fbem-30059	37	31	of	of	ADP
fbem-30059	37	32	financial	financial	ADJ
fbem-30059	37	33	fraud	fraud	NOUN
fbem-30059	37	34	.	.	PUNCT
fbem-30059	38	1	they	they	PRON
fbem-30059	38	2	have	have	VERB
fbem-30059	38	3	no	no	DET
fbem-30059	38	4	possibility	possibility	NOUN
fbem-30059	38	5	of	of	ADP
fbem-30059	38	6	being	be	AUX
fbem-30059	38	7	subjected	subject	VERB
fbem-30059	38	8	to	to	ADP
fbem-30059	38	9	a	a	DET
fbem-30059	38	10	large	large	ADJ
fbem-30059	38	11	amount	amount	NOUN
fbem-30059	38	12	of	of	ADP
fbem-30059	38	13	financial	financial	ADJ
fbem-30059	38	14	fraud	fraud	NOUN
fbem-30059	38	15	due	due	ADP
fbem-30059	38	16	to	to	ADP
fbem-30059	38	17	a	a	DET
fbem-30059	38	18	lack	lack	NOUN
fbem-30059	38	19	of	of	ADP
fbem-30059	38	20	financial	financial	ADJ
fbem-30059	38	21	knowledge	knowledge	NOUN
fbem-30059	38	22	;	;	PUNCT
fbem-30059	38	23	there	there	PRON
fbem-30059	38	24	is	be	VERB
fbem-30059	38	25	also	also	ADV
fbem-30059	38	26	no	no	DET
fbem-30059	38	27	overconfidence	overconfidence	NOUN
fbem-30059	38	28	in	in	ADP
fbem-30059	38	29	one	one	NUM
fbem-30059	38	30	's	's	PART
fbem-30059	38	31	own	own	ADJ
fbem-30059	38	32	financial	financial	ADJ
fbem-30059	38	33	literacy	literacy	NOUN
fbem-30059	38	34	,	,	PUNCT
fbem-30059	38	35	and	and	CCONJ
fbem-30059	38	36	bold	bold	ADJ
fbem-30059	38	37	investments	investment	NOUN
fbem-30059	38	38	and	and	CCONJ
fbem-30059	38	39	blind	blind	ADJ
fbem-30059	38	40	actions	action	NOUN
fbem-30059	38	41	ultimately	ultimately	ADV
fbem-30059	38	42	result	result	VERB
fbem-30059	38	43	in	in	ADP
fbem-30059	38	44	serious	serious	ADJ
fbem-30059	38	45	property	property	NOUN
fbem-30059	38	46	damage	damage	NOUN
fbem-30059	38	47	or	or	CCONJ
fbem-30059	38	48	even	even	ADV
fbem-30059	38	49	bankruptcy	bankruptcy	NOUN
fbem-30059	38	50	.	.	PUNCT
fbem-30059	39	1	in	in	ADP
fbem-30059	39	2	summary	summary	NOUN
fbem-30059	39	3	,	,	PUNCT
fbem-30059	39	4	this	this	DET
fbem-30059	39	5	article	article	NOUN
fbem-30059	39	6	proposes	propose	VERB
fbem-30059	39	7	research	research	NOUN
fbem-30059	39	8	hypothesis	hypothesis	NOUN
fbem-30059	39	9	h1	h1	PROPN
fbem-30059	39	10	:	:	PUNCT
fbem-30059	39	11	there	there	PRON
fbem-30059	39	12	is	be	VERB
fbem-30059	39	13	a	a	DET
fbem-30059	39	14	significant	significant	ADJ
fbem-30059	39	15	"	"	PUNCT
fbem-30059	39	16	u	u	NOUN
fbem-30059	39	17	"	"	PUNCT
fbem-30059	39	18	shaped	shape	VERB
fbem-30059	39	19	correlation	correlation	NOUN
fbem-30059	39	20	between	between	ADP
fbem-30059	39	21	financial	financial	ADJ
fbem-30059	39	22	literacy	literacy	NOUN
fbem-30059	39	23	from	from	ADP
fbem-30059	39	24	low	low	ADJ
fbem-30059	39	25	to	to	ADP
fbem-30059	39	26	high	high	ADJ
fbem-30059	39	27	and	and	CCONJ
fbem-30059	39	28	the	the	DET
fbem-30059	39	29	likelihood	likelihood	NOUN
fbem-30059	39	30	of	of	ADP
fbem-30059	39	31	individual	individual	ADJ
fbem-30059	39	32	financial	financial	ADJ
fbem-30059	39	33	fraud	fraud	NOUN
fbem-30059	39	34	and	and	CCONJ
fbem-30059	39	35	fraud	fraud	NOUN
fbem-30059	39	36	losses	loss	NOUN
fbem-30059	39	37	among	among	ADP
fbem-30059	39	38	residents	resident	NOUN
fbem-30059	39	39	.	.	PUNCT
fbem-30059	40	1	3	3	X
fbem-30059	40	2	.	.	X
fbem-30059	40	3	research	research	NOUN
fbem-30059	40	4	design	design	PROPN
fbem-30059	40	5	3.1	3.1	NUM
fbem-30059	40	6	.	.	PUNCT
fbem-30059	40	7	model	model	NOUN
fbem-30059	40	8	building	building	NOUN
fbem-30059	40	9	firstly	firstly	ADV
fbem-30059	40	10	,	,	PUNCT
fbem-30059	40	11	this	this	DET
fbem-30059	40	12	article	article	NOUN
fbem-30059	40	13	takes	take	VERB
fbem-30059	40	14	the	the	DET
fbem-30059	40	15	likelihood	likelihood	NOUN
fbem-30059	40	16	of	of	ADP
fbem-30059	40	17	fraud	fraud	NOUN
fbem-30059	40	18	among	among	ADP
fbem-30059	40	19	resident	resident	ADJ
fbem-30059	40	20	i	i	PROPN
fbem-30059	40	21	(	(	PUNCT
fbem-30059	40	22	fraudi	fraudi	PROPN
fbem-30059	40	23	)	)	PUNCT
fbem-30059	40	24	as	as	ADP
fbem-30059	40	25	the	the	DET
fbem-30059	40	26	dependent	dependent	ADJ
fbem-30059	40	27	variable	variable	NOUN
fbem-30059	40	28	and	and	CCONJ
fbem-30059	40	29	the	the	DET
fbem-30059	40	30	financial	financial	ADJ
fbem-30059	40	31	literacy	literacy	NOUN
fbem-30059	40	32	level	level	NOUN
fbem-30059	40	33	of	of	ADP
fbem-30059	40	34	resident	resident	NOUN
fbem-30059	40	35	i	i	PRON
fbem-30059	40	36	(	(	PUNCT
fbem-30059	40	37	fli	fli	NOUN
fbem-30059	40	38	)	)	PUNCT
fbem-30059	40	39	as	as	ADP
fbem-30059	40	40	the	the	DET
fbem-30059	40	41	explanatory	explanatory	ADJ
fbem-30059	40	42	variable	variable	NOUN
fbem-30059	40	43	.	.	PUNCT
fbem-30059	41	1	given	give	VERB
fbem-30059	41	2	the	the	DET
fbem-30059	41	3	collinearity	collinearity	NOUN
fbem-30059	41	4	of	of	ADP
fbem-30059	41	5	the	the	DET
fbem-30059	41	6	independent	independent	ADJ
fbem-30059	41	7	variables	variable	NOUN
fbem-30059	41	8	and	and	CCONJ
fbem-30059	41	9	the	the	DET
fbem-30059	41	10	complex	complex	ADJ
fbem-30059	41	11	nonlinear	nonlinear	ADJ
fbem-30059	41	12	data	datum	NOUN
fbem-30059	41	13	relationship	relationship	NOUN
fbem-30059	41	14	,	,	PUNCT
fbem-30059	41	15	a	a	DET
fbem-30059	41	16	dual	dual	ADJ
fbem-30059	41	17	screening	screen	VERB
fbem-30059	41	18	lassologit	lassologit	ADJ
fbem-30059	41	19	regression	regression	NOUN
fbem-30059	41	20	model	model	NOUN
fbem-30059	41	21	is	be	AUX
fbem-30059	41	22	chosen	choose	VERB
fbem-30059	41	23	to	to	PART
fbem-30059	41	24	be	be	AUX
fbem-30059	41	25	constructed	construct	VERB
fbem-30059	41	26	.	.	PUNCT
fbem-30059	42	1	as	as	SCONJ
fbem-30059	42	2	shown	show	VERB
fbem-30059	42	3	in	in	ADP
fbem-30059	42	4	equation	equation	NOUN
fbem-30059	42	5	(	(	PUNCT
fbem-30059	42	6	1	1	NUM
fbem-30059	42	7	):	):	PUNCT
fbem-30059	42	8	in(p(fraud=1|fl	in(p(fraud=1|fl	NOUN
fbem-30059	42	9	,	,	PUNCT
fbem-30059	42	10	fl2	fl2	PROPN
fbem-30059	42	11	,	,	PUNCT
fbem-30059	42	12	controls)/(1	controls)/(1	NOUN
fbem-30059	42	13	-	-	PUNCT
fbem-30059	42	14	p(fraud=1|fl	p(fraud=1|fl	NOUN
fbem-30059	42	15	,	,	PUNCT
fbem-30059	42	16	fl2	fl2	PROPN
fbem-30059	42	17	,	,	PUNCT
fbem-30059	42	18	controls))=	controls))=	PROPN
fbem-30059	42	19	β0+β1fl+β2fl2+β3	β0+β1fl+β2fl2+β3	PROPN
fbem-30059	42	20	controls	control	VERB
fbem-30059	42	21	(	(	PUNCT
fbem-30059	42	22	1	1	NUM
fbem-30059	42	23	)	)	PUNCT
fbem-30059	42	24	due	due	ADP
fbem-30059	42	25	to	to	ADP
fbem-30059	42	26	the	the	DET
fbem-30059	42	27	data	datum	NOUN
fbem-30059	42	28	obtained	obtain	VERB
fbem-30059	42	29	by	by	ADP
fbem-30059	42	30	frard	frard	NOUN
fbem-30059	42	31	through	through	ADP
fbem-30059	42	32	binary	binary	ADJ
fbem-30059	42	33	classification	classification	NOUN
fbem-30059	42	34	questions	question	NOUN
fbem-30059	42	35	such	such	ADJ
fbem-30059	42	36	as	as	ADP
fbem-30059	42	37	"	"	PUNCT
fbem-30059	42	38	whether	whether	SCONJ
fbem-30059	42	39	or	or	CCONJ
fbem-30059	42	40	not	not	PART
fbem-30059	42	41	you	you	PRON
fbem-30059	42	42	have	have	AUX
fbem-30059	42	43	suffered	suffer	VERB
fbem-30059	42	44	financial	financial	ADJ
fbem-30059	42	45	fraud	fraud	NOUN
fbem-30059	42	46	"	"	PUNCT
fbem-30059	42	47	,	,	PUNCT
fbem-30059	42	48	frard	frard	PROPN
fbem-30059	42	49	takes	take	VERB
fbem-30059	42	50	a	a	DET
fbem-30059	42	51	value	value	NOUN
fbem-30059	42	52	of	of	ADP
fbem-30059	42	53	0	0	NUM
fbem-30059	42	54	or	or	CCONJ
fbem-30059	42	55	1	1	NUM
fbem-30059	42	56	,	,	PUNCT
fbem-30059	42	57	where	where	SCONJ
fbem-30059	42	58	0	0	NUM
fbem-30059	42	59	represents	represent	VERB
fbem-30059	42	60	no	no	DET
fbem-30059	42	61	financial	financial	ADJ
fbem-30059	42	62	fraud	fraud	NOUN
fbem-30059	42	63	and	and	CCONJ
fbem-30059	42	64	1	1	NUM
fbem-30059	42	65	represents	represent	VERB
fbem-30059	42	66	financial	financial	ADJ
fbem-30059	42	67	fraud	fraud	NOUN
fbem-30059	42	68	.	.	PUNCT
fbem-30059	43	1	fl	fl	PROPN
fbem-30059	43	2	and	and	CCONJ
fbem-30059	43	3	fl2	fl2	PROPN
fbem-30059	43	4	are	be	AUX
fbem-30059	43	5	the	the	DET
fbem-30059	43	6	core	core	ADJ
fbem-30059	43	7	explanatory	explanatory	ADJ
fbem-30059	43	8	variables	variable	NOUN
fbem-30059	43	9	,	,	PUNCT
fbem-30059	43	10	aiming	aim	VERB
fbem-30059	43	11	to	to	PART
fbem-30059	43	12	explore	explore	VERB
fbem-30059	43	13	their	their	PRON
fbem-30059	43	14	relationship	relationship	NOUN
fbem-30059	43	15	with	with	ADP
fbem-30059	43	16	the	the	DET
fbem-30059	43	17	likelihood	likelihood	NOUN
fbem-30059	43	18	of	of	ADP
fbem-30059	43	19	residents	resident	NOUN
fbem-30059	43	20	being	be	AUX
fbem-30059	43	21	defrauded	defraud	VERB
fbem-30059	43	22	.	.	PUNCT
fbem-30059	44	1	simultaneously	simultaneously	ADV
fbem-30059	44	2	establishing	establish	VERB
fbem-30059	44	3	a	a	DET
fbem-30059	44	4	squared	squared	ADJ
fbem-30059	44	5	term	term	NOUN
fbem-30059	44	6	is	be	AUX
fbem-30059	44	7	to	to	PART
fbem-30059	44	8	capture	capture	VERB
fbem-30059	44	9	the	the	DET
fbem-30059	44	10	potential	potential	ADJ
fbem-30059	44	11	non	non	ADJ
fbem-30059	44	12	-	-	ADJ
fbem-30059	44	13	linear	linear	ADJ
fbem-30059	44	14	relationship	relationship	NOUN
fbem-30059	44	15	between	between	ADP
fbem-30059	44	16	financial	financial	ADJ
fbem-30059	44	17	literacy	literacy	NOUN
fbem-30059	44	18	and	and	CCONJ
fbem-30059	44	19	the	the	DET
fbem-30059	44	20	likelihood	likelihood	NOUN
fbem-30059	44	21	of	of	ADP
fbem-30059	44	22	fraud	fraud	NOUN
fbem-30059	44	23	,	,	PUNCT
fbem-30059	44	24	in	in	ADP
fbem-30059	44	25	order	order	NOUN
fbem-30059	44	26	to	to	PART
fbem-30059	44	27	test	test	VERB
fbem-30059	44	28	the	the	DET
fbem-30059	44	29	"	"	PUNCT
fbem-30059	44	30	u	u	ADJ
fbem-30059	44	31	-	-	ADJ
fbem-30059	44	32	shaped	shaped	ADJ
fbem-30059	44	33	"	"	PUNCT
fbem-30059	44	34	relationship	relationship	NOUN
fbem-30059	44	35	mentioned	mention	VERB
fbem-30059	44	36	in	in	ADP
fbem-30059	44	37	the	the	DET
fbem-30059	44	38	research	research	NOUN
fbem-30059	44	39	hypothesis	hypothesis	NOUN
fbem-30059	44	40	.	.	PUNCT
fbem-30059	45	1	controls	control	NOUN
fbem-30059	45	2	mentioned	mention	VERB
fbem-30059	45	3	a	a	DET
fbem-30059	45	4	series	series	NOUN
fbem-30059	45	5	of	of	ADP
fbem-30059	45	6	control	control	NOUN
fbem-30059	45	7	variables	variable	NOUN
fbem-30059	45	8	.	.	PUNCT
fbem-30059	46	1	in	in	ADP
fbem-30059	46	2	the	the	DET
fbem-30059	46	3	study	study	NOUN
fbem-30059	46	4	,	,	PUNCT
fbem-30059	46	5	besides	besides	SCONJ
fbem-30059	46	6	financial	financial	ADJ
fbem-30059	46	7	literacy	literacy	NOUN
fbem-30059	46	8	,	,	PUNCT
fbem-30059	46	9	there	there	PRON
fbem-30059	46	10	are	be	VERB
fbem-30059	46	11	other	other	ADJ
fbem-30059	46	12	factors	factor	NOUN
fbem-30059	46	13	that	that	PRON
fbem-30059	46	14	may	may	AUX
fbem-30059	46	15	affect	affect	VERB
fbem-30059	46	16	the	the	DET
fbem-30059	46	17	likelihood	likelihood	NOUN
fbem-30059	46	18	of	of	ADP
fbem-30059	46	19	residents	resident	NOUN
fbem-30059	46	20	being	be	AUX
fbem-30059	46	21	defrauded	defraud	VERB
fbem-30059	46	22	.	.	PUNCT
fbem-30059	47	1	therefore	therefore	ADV
fbem-30059	47	2	,	,	PUNCT
fbem-30059	47	3	age	age	NOUN
fbem-30059	47	4	,	,	PUNCT
fbem-30059	47	5	gender	gender	NOUN
fbem-30059	47	6	,	,	PUNCT
fbem-30059	47	7	education	education	NOUN
fbem-30059	47	8	level	level	NOUN
fbem-30059	47	9	,	,	PUNCT
fbem-30059	47	10	income	income	NOUN
fbem-30059	47	11	level	level	NOUN
fbem-30059	47	12	,	,	PUNCT
fbem-30059	47	13	etc	etc	X
fbem-30059	47	14	.	.	X
fbem-30059	47	15	were	be	AUX
fbem-30059	47	16	selected	select	VERB
fbem-30059	47	17	as	as	ADP
fbem-30059	47	18	control	control	NOUN
fbem-30059	47	19	variables	variable	NOUN
fbem-30059	47	20	,	,	PUNCT
fbem-30059	47	21	β0	β0	PROPN
fbem-30059	47	22	,	,	PUNCT
fbem-30059	47	23	is	be	AUX
fbem-30059	47	24	a	a	DET
fbem-30059	47	25	constant	constant	ADJ
fbem-30059	47	26	term	term	NOUN
fbem-30059	47	27	,	,	PUNCT
fbem-30059	47	28	β1	β1	PROPN
fbem-30059	47	29	,	,	PUNCT
fbem-30059	47	30	β2	β2	NOUN
fbem-30059	47	31	and	and	CCONJ
fbem-30059	47	32	β3	β3	NOUN
fbem-30059	47	33	are	be	AUX
fbem-30059	47	34	coefficient	coefficient	NOUN
fbem-30059	47	35	of	of	ADP
fbem-30059	47	36	the	the	DET
fbem-30059	47	37	control	control	NOUN
fbem-30059	47	38	variable	variable	NOUN
fbem-30059	47	39	used	use	VERB
fbem-30059	47	40	to	to	PART
fbem-30059	47	41	measure	measure	VERB
fbem-30059	47	42	the	the	DET
fbem-30059	47	43	degree	degree	NOUN
fbem-30059	47	44	to	to	PART
fbem-30059	47	45	which	which	PRON
fbem-30059	47	46	each	each	DET
fbem-30059	47	47	control	control	NOUN
fbem-30059	47	48	variable	variable	NOUN
fbem-30059	47	49	affects	affect	VERB
fbem-30059	47	50	the	the	DET
fbem-30059	47	51	likelihood	likelihood	NOUN
fbem-30059	47	52	of	of	ADP
fbem-30059	47	53	residents	resident	NOUN
fbem-30059	47	54	being	be	AUX
fbem-30059	47	55	defrauded	defraud	VERB
fbem-30059	47	56	.	.	PUNCT
fbem-30059	48	1	3.2	3.2	NUM
fbem-30059	48	2	.	.	PUNCT
fbem-30059	49	1	variable	variable	ADJ
fbem-30059	49	2	selection	selection	NOUN
fbem-30059	49	3	the	the	DET
fbem-30059	49	4	dependent	dependent	ADJ
fbem-30059	49	5	variable	variable	NOUN
fbem-30059	49	6	:	:	PUNCT
fbem-30059	49	7	the	the	DET
fbem-30059	49	8	likelihood	likelihood	NOUN
fbem-30059	49	9	of	of	ADP
fbem-30059	49	10	fraud	fraud	NOUN
fbem-30059	49	11	among	among	ADP
fbem-30059	49	12	resident	resident	ADJ
fbem-30059	49	13	i	i	PROPN
fbem-30059	49	14	(	(	PUNCT
fbem-30059	49	15	fraud	fraud	NOUN
fbem-30059	49	16	)	)	PUNCT
fbem-30059	49	17	and	and	CCONJ
fbem-30059	49	18	the	the	DET
fbem-30059	49	19	explanatory	explanatory	ADJ
fbem-30059	49	20	variable	variable	NOUN
fbem-30059	49	21	:	:	PUNCT
fbem-30059	49	22	the	the	DET
fbem-30059	49	23	level	level	NOUN
fbem-30059	49	24	of	of	ADP
fbem-30059	49	25	financial	financial	ADJ
fbem-30059	49	26	literacy	literacy	NOUN
fbem-30059	49	27	of	of	ADP
fbem-30059	49	28	resident	resident	NOUN
fbem-30059	49	29	i	i	PROPN
fbem-30059	49	30	(	(	PUNCT
fbem-30059	49	31	fl	fl	PROPN
fbem-30059	49	32	)	)	PUNCT
fbem-30059	49	33	,	,	PUNCT
fbem-30059	49	34	were	be	AUX
fbem-30059	49	35	both	both	PRON
fbem-30059	49	36	based	base	VERB
fbem-30059	49	37	on	on	ADP
fbem-30059	49	38	the	the	DET
fbem-30059	49	39	data	datum	NOUN
fbem-30059	49	40	from	from	ADP
fbem-30059	49	41	the	the	DET
fbem-30059	49	42	2019	2019	NUM
fbem-30059	49	43	china	china	PROPN
fbem-30059	49	44	household	household	NOUN
fbem-30059	49	45	finance	finance	NOUN
fbem-30059	49	46	survey	survey	NOUN
fbem-30059	49	47	(	(	PUNCT
fbem-30059	49	48	chfs	chfs	PROPN
fbem-30059	49	49	)	)	PUNCT
fbem-30059	49	50	conducted	conduct	VERB
fbem-30059	49	51	by	by	ADP
fbem-30059	49	52	southwest	southwest	PROPN
fbem-30059	49	53	university	university	PROPN
fbem-30059	49	54	of	of	ADP
fbem-30059	49	55	finance	finance	NOUN
fbem-30059	49	56	and	and	CCONJ
fbem-30059	49	57	economics	economic	NOUN
fbem-30059	49	58	.	.	PUNCT
fbem-30059	50	1	after	after	ADP
fbem-30059	50	2	matching	match	VERB
fbem-30059	50	3	and	and	CCONJ
fbem-30059	50	4	summarizing	summarize	VERB
fbem-30059	50	5	all	all	DET
fbem-30059	50	6	data	datum	NOUN
fbem-30059	50	7	according	accord	VERB
fbem-30059	50	8	to	to	ADP
fbem-30059	50	9	individual	individual	ADJ
fbem-30059	50	10	and	and	CCONJ
fbem-30059	50	11	household	household	NOUN
fbem-30059	50	12	numbers	number	NOUN
fbem-30059	50	13	,	,	PUNCT
fbem-30059	50	14	a	a	DET
fbem-30059	50	15	total	total	NOUN
fbem-30059	50	16	of	of	ADP
fbem-30059	50	17	34643	34643	NUM
fbem-30059	50	18	valid	valid	ADJ
fbem-30059	50	19	samples	sample	NOUN
fbem-30059	50	20	were	be	AUX
fbem-30059	50	21	obtained	obtain	VERB
fbem-30059	50	22	.	.	PUNCT
fbem-30059	51	1	stata18	stata18	PROPN
fbem-30059	51	2	software	software	PROPN
fbem-30059	51	3	was	be	AUX
fbem-30059	51	4	used	use	VERB
fbem-30059	51	5	for	for	ADP
fbem-30059	51	6	data	datum	NOUN
fbem-30059	51	7	analysis	analysis	NOUN
fbem-30059	51	8	and	and	CCONJ
fbem-30059	51	9	empirical	empirical	ADJ
fbem-30059	51	10	research	research	NOUN
fbem-30059	51	11	.	.	PUNCT
fbem-30059	52	1	given	give	VERB
fbem-30059	52	2	that	that	SCONJ
fbem-30059	52	3	there	there	PRON
fbem-30059	52	4	is	be	VERB
fbem-30059	52	5	currently	currently	ADV
fbem-30059	52	6	no	no	DET
fbem-30059	52	7	unified	unified	ADJ
fbem-30059	52	8	standard	standard	NOUN
fbem-30059	52	9	for	for	ADP
fbem-30059	52	10	measuring	measure	VERB
fbem-30059	52	11	financial	financial	ADJ
fbem-30059	52	12	literacy	literacy	NOUN
fbem-30059	52	13	,	,	PUNCT
fbem-30059	52	14	and	and	CCONJ
fbem-30059	52	15	financial	financial	ADJ
fbem-30059	52	16	literacy	literacy	NOUN
fbem-30059	52	17	is	be	AUX
fbem-30059	52	18	reflected	reflect	VERB
fbem-30059	52	19	in	in	ADP
fbem-30059	52	20	multiple	multiple	ADJ
fbem-30059	52	21	aspects	aspect	NOUN
fbem-30059	52	22	,	,	PUNCT
fbem-30059	52	23	this	this	DET
fbem-30059	52	24	article	article	NOUN
fbem-30059	52	25	constructs	construct	VERB
fbem-30059	52	26	a	a	DET
fbem-30059	52	27	financial	financial	ADJ
fbem-30059	52	28	literacy	literacy	NOUN
fbem-30059	52	29	indicator	indicator	NOUN
fbem-30059	52	30	system	system	NOUN
fbem-30059	52	31	based	base	VERB
fbem-30059	52	32	on	on	ADP
fbem-30059	52	33	the	the	DET
fbem-30059	52	34	results	result	NOUN
fbem-30059	52	35	of	of	ADP
fbem-30059	52	36	the	the	DET
fbem-30059	52	37	2019	2019	NUM
fbem-30059	52	38	southwest	southwest	NOUN
fbem-30059	52	39	university	university	NOUN
fbem-30059	52	40	of	of	ADP
fbem-30059	52	41	finance	finance	PROPN
fbem-30059	52	42	and	and	CCONJ
fbem-30059	52	43	economics	economic	NOUN
fbem-30059	52	44	china	china	PROPN
fbem-30059	52	45	household	household	PROPN
fbem-30059	52	46	finance	finance	NOUN
fbem-30059	52	47	survey	survey	NOUN
fbem-30059	52	48	(	(	PUNCT
fbem-30059	52	49	chfs	chfs	NOUN
fbem-30059	52	50	)	)	PUNCT
fbem-30059	52	51	questionnaire	questionnaire	NOUN
fbem-30059	52	52	,	,	PUNCT
fbem-30059	52	53	which	which	PRON
fbem-30059	52	54	includes	include	VERB
fbem-30059	52	55	34644	34644	NUM
fbem-30059	52	56	observations	observation	NOUN
fbem-30059	52	57	and	and	CCONJ
fbem-30059	52	58	covers	cover	VERB
fbem-30059	52	59	29	29	NUM
fbem-30059	52	60	regions	region	NOUN
fbem-30059	52	61	across	across	ADP
fbem-30059	52	62	the	the	DET
fbem-30059	52	63	country	country	NOUN
fbem-30059	52	64	.	.	PUNCT
fbem-30059	53	1	the	the	DET
fbem-30059	53	2	explanation	explanation	NOUN
fbem-30059	53	3	for	for	ADP
fbem-30059	53	4	assigning	assign	VERB
fbem-30059	53	5	values	value	NOUN
fbem-30059	53	6	to	to	ADP
fbem-30059	53	7	financial	financial	ADJ
fbem-30059	53	8	literacy	literacy	NOUN
fbem-30059	53	9	is	be	AUX
fbem-30059	53	10	shown	show	VERB
fbem-30059	53	11	in	in	ADP
fbem-30059	53	12	table	table	NOUN
fbem-30059	53	13	1	1	NUM
fbem-30059	53	14	.	.	PUNCT
fbem-30059	54	1	the	the	DET
fbem-30059	54	2	control	control	ADJ
fbem-30059	54	3	variable	variable	ADJ
fbem-30059	54	4	indicators	indicator	NOUN
fbem-30059	54	5	are	be	AUX
fbem-30059	54	6	shown	show	VERB
fbem-30059	54	7	in	in	ADP
fbem-30059	54	8	table	table	NOUN
fbem-30059	54	9	1	1	NUM
fbem-30059	54	10	and	and	CCONJ
fbem-30059	54	11	table	table	NOUN
fbem-30059	54	12	2	2	NUM
fbem-30059	54	13	.	.	SYM
fbem-30059	54	14	66	66	NUM
fbem-30059	54	15	table	table	NOUN
fbem-30059	54	16	1	1	NUM
fbem-30059	54	17	.	.	PUNCT
fbem-30059	55	1	control	control	PROPN
fbem-30059	55	2	variable	variable	ADJ
fbem-30059	55	3	index	index	NOUN
fbem-30059	55	4	system	system	NOUN
fbem-30059	55	5	primary	primary	ADJ
fbem-30059	55	6	indicators	indicator	NOUN
fbem-30059	55	7	secondary	secondary	ADJ
fbem-30059	55	8	indicators	indicator	NOUN
fbem-30059	55	9	chfs	chfs	VERB
fbem-30059	55	10	questionnaire	questionnaire	NOUN
fbem-30059	55	11	questions	question	NOUN
fbem-30059	55	12	and	and	CCONJ
fbem-30059	55	13	assignment	assignment	NOUN
fbem-30059	55	14	instructions	instruction	NOUN
fbem-30059	55	15	assignment	assignment	NOUN
fbem-30059	55	16	instructions	instruction	NOUN
fbem-30059	55	17	in	in	ADP
fbem-30059	55	18	this	this	DET
fbem-30059	55	19	article	article	NOUN
fbem-30059	55	20	calculation	calculation	NOUN
fbem-30059	55	21	of	of	ADP
fbem-30059	55	22	principal	principal	NOUN
fbem-30059	55	23	and	and	CCONJ
fbem-30059	55	24	interest	interest	NOUN
fbem-30059	55	25	assign	assign	VERB
fbem-30059	55	26	3	3	NUM
fbem-30059	55	27	for	for	ADP
fbem-30059	55	28	correct	correct	ADJ
fbem-30059	55	29	answer	answer	NOUN
fbem-30059	55	30	,	,	PUNCT
fbem-30059	55	31	assign	assign	VERB
fbem-30059	55	32	1	1	NUM
fbem-30059	55	33	for	for	ADP
fbem-30059	55	34	wrong	wrong	ADJ
fbem-30059	55	35	answer	answer	NOUN
fbem-30059	55	36	,	,	PUNCT
fbem-30059	55	37	assign	assign	VERB
fbem-30059	55	38	0	0	NUM
fbem-30059	55	39	for	for	ADP
fbem-30059	55	40	unable	unable	ADJ
fbem-30059	55	41	to	to	PART
fbem-30059	55	42	calculate	calculate	VERB
fbem-30059	55	43	financial	financial	ADJ
fbem-30059	55	44	knowledge	knowledge	NOUN
fbem-30059	55	45	calculation	calculation	NOUN
fbem-30059	55	46	of	of	ADP
fbem-30059	55	47	inflation	inflation	NOUN
fbem-30059	55	48	assign	assign	VERB
fbem-30059	55	49	4	4	NUM
fbem-30059	55	50	for	for	ADP
fbem-30059	55	51	correct	correct	ADJ
fbem-30059	55	52	answer	answer	NOUN
fbem-30059	55	53	,	,	PUNCT
fbem-30059	55	54	assign	assign	VERB
fbem-30059	55	55	1	1	NUM
fbem-30059	55	56	for	for	ADP
fbem-30059	55	57	wrong	wrong	ADJ
fbem-30059	55	58	answer	answer	NOUN
fbem-30059	55	59	,	,	PUNCT
fbem-30059	55	60	assign	assign	VERB
fbem-30059	55	61	0	0	PUNCT
fbem-30059	55	62	for	for	ADP
fbem-30059	55	63	not	not	PART
fbem-30059	55	64	able	able	ADJ
fbem-30059	55	65	to	to	PART
fbem-30059	55	66	calculate	calculate	VERB
fbem-30059	55	67	financial	financial	ADJ
fbem-30059	55	68	literacy	literacy	NOUN
fbem-30059	55	69	judgment	judgment	NOUN
fbem-30059	55	70	of	of	ADP
fbem-30059	55	71	the	the	DET
fbem-30059	55	72	risk	risk	NOUN
fbem-30059	55	73	level	level	NOUN
fbem-30059	55	74	of	of	ADP
fbem-30059	55	75	stocks	stock	NOUN
fbem-30059	55	76	and	and	CCONJ
fbem-30059	55	77	bonds	bond	NOUN
fbem-30059	55	78	correct	correct	ADJ
fbem-30059	55	79	answer	answer	NOUN
fbem-30059	55	80	will	will	AUX
fbem-30059	55	81	be	be	AUX
fbem-30059	55	82	assigned	assign	VERB
fbem-30059	55	83	4	4	NUM
fbem-30059	55	84	points	point	NOUN
fbem-30059	55	85	,	,	PUNCT
fbem-30059	55	86	wrong	wrong	ADJ
fbem-30059	55	87	answer	answer	NOUN
fbem-30059	55	88	will	will	AUX
fbem-30059	55	89	be	be	AUX
fbem-30059	55	90	assigned	assign	VERB
fbem-30059	55	91	1	1	NUM
fbem-30059	55	92	point	point	NOUN
fbem-30059	55	93	,	,	PUNCT
fbem-30059	55	94	and	and	CCONJ
fbem-30059	55	95	no	no	DET
fbem-30059	55	96	answer	answer	NOUN
fbem-30059	55	97	will	will	AUX
fbem-30059	55	98	be	be	AUX
fbem-30059	55	99	assigned	assign	VERB
fbem-30059	55	100	0	0	NUM
fbem-30059	55	101	points	point	NOUN
fbem-30059	55	102	financial	financial	ADJ
fbem-30059	55	103	behavior	behavior	NOUN
fbem-30059	55	104	,	,	PUNCT
fbem-30059	55	105	the	the	DET
fbem-30059	55	106	attention	attention	NOUN
fbem-30059	55	107	paid	pay	VERB
fbem-30059	55	108	to	to	ADP
fbem-30059	55	109	economic	economic	ADJ
fbem-30059	55	110	and	and	CCONJ
fbem-30059	55	111	financial	financial	ADJ
fbem-30059	55	112	information	information	NOUN
fbem-30059	55	113	.	.	PUNCT
fbem-30059	56	1	①	①	X
fbem-30059	56	2	very	very	ADV
fbem-30059	56	3	concerned	concerned	ADJ
fbem-30059	56	4	②	②	NUM
fbem-30059	56	5	very	very	ADV
fbem-30059	56	6	concerned	concerned	ADJ
fbem-30059	56	7	③	③	NUM
fbem-30059	56	8	general	general	ADJ
fbem-30059	56	9	④	④	NUM
fbem-30059	56	10	rarely	rarely	ADV
fbem-30059	56	11	concerned	concerned	ADJ
fbem-30059	56	12	⑤	⑤	X
fbem-30059	56	13	never	never	ADV
fbem-30059	56	14	concerned	concern	VERB
fbem-30059	56	15	select	select	VERB
fbem-30059	56	16	①	①	NUM
fbem-30059	56	17	to	to	PART
fbem-30059	56	18	assign	assign	VERB
fbem-30059	56	19	8	8	NUM
fbem-30059	56	20	,	,	PUNCT
fbem-30059	56	21	select	select	VERB
fbem-30059	56	22	②	②	NUM
fbem-30059	56	23	to	to	PART
fbem-30059	56	24	assign	assign	VERB
fbem-30059	56	25	6	6	NUM
fbem-30059	56	26	,	,	PUNCT
fbem-30059	56	27	and	and	CCONJ
fbem-30059	56	28	so	so	ADV
fbem-30059	56	29	on	on	ADV
fbem-30059	56	30	to	to	PART
fbem-30059	56	31	select	select	VERB
fbem-30059	56	32	⑤	⑤	NUM
fbem-30059	56	33	to	to	ADP
fbem-30059	56	34	assign0	assign0	PROPN
fbem-30059	56	35	financial	financial	ADJ
fbem-30059	56	36	attitude	attitude	NOUN
fbem-30059	56	37	the	the	DET
fbem-30059	56	38	choice	choice	NOUN
fbem-30059	56	39	of	of	ADP
fbem-30059	56	40	investment	investment	NOUN
fbem-30059	56	41	risk	risk	NOUN
fbem-30059	56	42	appetite	appetite	NOUN
fbem-30059	56	43	.	.	PUNCT
fbem-30059	57	1	①	①	ADP
fbem-30059	57	2	high	high	ADJ
fbem-30059	57	3	-	-	PUNCT
fbem-30059	57	4	risk	risk	NOUN
fbem-30059	57	5	high	high	ADJ
fbem-30059	57	6	-	-	PUNCT
fbem-30059	57	7	return	return	NOUN
fbem-30059	57	8	projects	project	NOUN
fbem-30059	57	9	②	②	NUM
fbem-30059	57	10	slightly	slightly	ADV
fbem-30059	57	11	high	high	ADJ
fbem-30059	57	12	-	-	PUNCT
fbem-30059	57	13	risk	risk	NOUN
fbem-30059	57	14	slightly	slightly	ADJ
fbem-30059	57	15	highreturn	highreturn	NOUN
fbem-30059	57	16	projects	project	NOUN
fbem-30059	57	17	③	③	NUM
fbem-30059	57	18	average	average	ADJ
fbem-30059	57	19	risk	risk	NOUN
fbem-30059	57	20	average	average	ADJ
fbem-30059	57	21	return	return	NOUN
fbem-30059	57	22	projects	project	VERB
fbem-30059	57	23	④	④	NUM
fbem-30059	57	24	slightly	slightly	ADV
fbem-30059	57	25	low	low	ADJ
fbem-30059	57	26	-	-	PUNCT
fbem-30059	57	27	risk	risk	NOUN
fbem-30059	57	28	slightly	slightly	ADV
fbem-30059	57	29	low	low	ADJ
fbem-30059	57	30	-	-	PUNCT
fbem-30059	57	31	return	return	NOUN
fbem-30059	57	32	projects	project	NOUN
fbem-30059	57	33	⑤	⑤	SYM
fbem-30059	57	34	unwilling	unwilling	ADJ
fbem-30059	57	35	to	to	PART
fbem-30059	57	36	take	take	VERB
fbem-30059	57	37	any	any	DET
fbem-30059	57	38	risks	risk	NOUN
fbem-30059	57	39	⑥	⑥	NUM
fbem-30059	57	40	do	do	AUX
fbem-30059	57	41	n't	not	PART
fbem-30059	57	42	know	know	VERB
fbem-30059	57	43	or	or	CCONJ
fbem-30059	57	44	understand	understand	VERB
fbem-30059	57	45	select	select	ADJ
fbem-30059	57	46	①	①	NUM
fbem-30059	57	47	to	to	PART
fbem-30059	57	48	assign	assign	VERB
fbem-30059	57	49	10	10	NUM
fbem-30059	57	50	,	,	PUNCT
fbem-30059	57	51	select	select	VERB
fbem-30059	57	52	②	②	NUM
fbem-30059	57	53	to	to	PART
fbem-30059	57	54	assign	assign	VERB
fbem-30059	57	55	8	8	NUM
fbem-30059	57	56	,	,	PUNCT
fbem-30059	57	57	and	and	CCONJ
fbem-30059	57	58	so	so	ADV
fbem-30059	57	59	on	on	ADV
fbem-30059	57	60	to	to	PART
fbem-30059	57	61	select	select	VERB
fbem-30059	57	62	⑥	⑥	PROPN
fbem-30059	57	63	to	to	PART
fbem-30059	57	64	assign	assign	VERB
fbem-30059	57	65	0	0	NUM
fbem-30059	57	66	table	table	NOUN
fbem-30059	57	67	2	2	NUM
fbem-30059	57	68	.	.	PUNCT
fbem-30059	57	69	control	control	PROPN
fbem-30059	57	70	variable	variable	ADJ
fbem-30059	57	71	index	index	NOUN
fbem-30059	57	72	system2	system2	NOUN
fbem-30059	57	73	primary	primary	ADJ
fbem-30059	57	74	indicators	indicator	NOUN
fbem-30059	57	75	secondary	secondary	ADJ
fbem-30059	57	76	indicators	indicator	NOUN
fbem-30059	57	77	assignment	assignment	NOUN
fbem-30059	57	78	instructions	instruction	NOUN
fbem-30059	57	79	in	in	ADP
fbem-30059	57	80	this	this	DET
fbem-30059	57	81	article	article	NOUN
fbem-30059	57	82	educational	educational	ADJ
fbem-30059	57	83	level	level	NOUN
fbem-30059	57	84	assign	assign	NOUN
fbem-30059	57	85	0	0	NUM
fbem-30059	57	86	for	for	ADP
fbem-30059	57	87	those	those	PRON
fbem-30059	57	88	who	who	PRON
fbem-30059	57	89	have	have	AUX
fbem-30059	57	90	never	never	ADV
fbem-30059	57	91	attended	attend	VERB
fbem-30059	57	92	school	school	NOUN
fbem-30059	57	93	,	,	PUNCT
fbem-30059	57	94	1.5	1.5	NUM
fbem-30059	57	95	for	for	ADP
fbem-30059	57	96	those	those	PRON
fbem-30059	57	97	with	with	ADP
fbem-30059	57	98	an	an	DET
fbem-30059	57	99	education	education	NOUN
fbem-30059	57	100	level	level	NOUN
fbem-30059	57	101	below	below	ADP
fbem-30059	57	102	junior	junior	ADJ
fbem-30059	57	103	college	college	NOUN
fbem-30059	57	104	,	,	PUNCT
fbem-30059	57	105	and	and	CCONJ
fbem-30059	57	106	3	3	NUM
fbem-30059	57	107	for	for	ADP
fbem-30059	57	108	those	those	PRON
fbem-30059	57	109	with	with	ADP
fbem-30059	57	110	junior	junior	ADJ
fbem-30059	57	111	college	college	NOUN
fbem-30059	57	112	or	or	CCONJ
fbem-30059	57	113	higher	high	ADJ
fbem-30059	57	114	education	education	NOUN
fbem-30059	57	115	.	.	PUNCT
fbem-30059	58	1	political	political	ADJ
fbem-30059	58	2	status	status	NOUN
fbem-30059	58	3	2	2	NUM
fbem-30059	58	4	for	for	ADP
fbem-30059	58	5	party	party	NOUN
fbem-30059	58	6	members	member	NOUN
fbem-30059	58	7	and	and	CCONJ
fbem-30059	58	8	0	0	NUM
fbem-30059	58	9	for	for	ADP
fbem-30059	58	10	non	non	ADJ
fbem-30059	58	11	-	-	ADJ
fbem-30059	58	12	party	party	ADJ
fbem-30059	58	13	members	member	NOUN
fbem-30059	58	14	.	.	PUNCT
fbem-30059	59	1	head	head	NOUN
fbem-30059	59	2	of	of	ADP
fbem-30059	59	3	household	household	NOUN
fbem-30059	59	4	's	's	PART
fbem-30059	59	5	personal	personal	ADJ
fbem-30059	59	6	information	information	NOUN
fbem-30059	59	7	registered	register	VERB
fbem-30059	59	8	residence	residence	NOUN
fbem-30059	59	9	assign	assign	VERB
fbem-30059	59	10	2.5	2.5	NUM
fbem-30059	59	11	for	for	ADP
fbem-30059	59	12	urban	urban	ADJ
fbem-30059	59	13	household	household	NOUN
fbem-30059	59	14	registration	registration	NOUN
fbem-30059	59	15	and	and	CCONJ
fbem-30059	59	16	0.5	0.5	NUM
fbem-30059	59	17	for	for	ADP
fbem-30059	59	18	rural	rural	ADJ
fbem-30059	59	19	household	household	NOUN
fbem-30059	59	20	registration	registration	NOUN
fbem-30059	59	21	.	.	PUNCT
fbem-30059	60	1	marital	marital	ADJ
fbem-30059	60	2	status	status	NOUN
fbem-30059	60	3	assign	assign	VERB
fbem-30059	60	4	2	2	NUM
fbem-30059	60	5	for	for	ADP
fbem-30059	60	6	married	married	ADJ
fbem-30059	60	7	and	and	CCONJ
fbem-30059	60	8	0.5	0.5	NUM
fbem-30059	60	9	for	for	ADP
fbem-30059	60	10	unmarried	unmarried	ADJ
fbem-30059	60	11	.	.	PUNCT
fbem-30059	61	1	employment	employment	NOUN
fbem-30059	61	2	status	status	NOUN
fbem-30059	61	3	assign	assign	VERB
fbem-30059	61	4	1.5	1.5	NUM
fbem-30059	61	5	for	for	ADP
fbem-30059	61	6	employed	employ	VERB
fbem-30059	61	7	and	and	CCONJ
fbem-30059	61	8	0	0	NUM
fbem-30059	61	9	for	for	ADP
fbem-30059	61	10	others	other	NOUN
fbem-30059	61	11	.	.	PUNCT
fbem-30059	62	1	table	table	NOUN
fbem-30059	62	2	3	3	NUM
fbem-30059	62	3	.	.	PUNCT
fbem-30059	62	4	results	result	NOUN
fbem-30059	62	5	of	of	ADP
fbem-30059	62	6	double	double	ADJ
fbem-30059	62	7	selection	selection	NOUN
fbem-30059	62	8	lasso	lasso	NOUN
fbem-30059	62	9	logit	logit	PROPN
fbem-30059	62	10	model	model	NOUN
fbem-30059	62	11	double	double	ADJ
fbem-30059	62	12	-	-	PUNCT
fbem-30059	62	13	selection	selection	NOUN
fbem-30059	62	14	logit	logit	NOUN
fbem-30059	62	15	model	model	NOUN
fbem-30059	62	16	number	number	NOUN
fbem-30059	62	17	of	of	ADP
fbem-30059	62	18	obs	obs	PROPN
fbem-30059	62	19	=	=	PROPN
fbem-30059	62	20	34,643	34,643	NUM
fbem-30059	62	21	number	number	NOUN
fbem-30059	62	22	of	of	ADP
fbem-30059	62	23	controls	control	NOUN
fbem-30059	62	24	=	=	SYM
fbem-30059	62	25	2	2	NUM
fbem-30059	62	26	number	number	NOUN
fbem-30059	62	27	of	of	ADP
fbem-30059	62	28	selected	select	VERB
fbem-30059	62	29	controls	control	NOUN
fbem-30059	62	30	=	=	SYM
fbem-30059	62	31	2	2	NUM
fbem-30059	62	32	wald	wald	X
fbem-30059	62	33	chi2(1	chi2(1	NOUN
fbem-30059	62	34	)	)	PUNCT
fbem-30059	62	35	=	=	SYM
fbem-30059	63	1	147.67	147.67	NUM
fbem-30059	63	2	prob	prob	NOUN
fbem-30059	63	3	>	>	X
fbem-30059	63	4	chi2	chi2	PROPN
fbem-30059	63	5	=	=	SYM
fbem-30059	63	6	0.0000	0.0000	NUM
fbem-30059	63	7	robust	robust	ADJ
fbem-30059	63	8	fraud	fraud	NOUN
fbem-30059	63	9	odds	odd	VERB
fbem-30059	63	10	ratio	ratio	NOUN
fbem-30059	63	11	std	std	NOUN
fbem-30059	63	12	.	.	PUNCT
fbem-30059	64	1	err	err	PROPN
fbem-30059	64	2	.	.	PUNCT
fbem-30059	65	1	z	z	NOUN
fbem-30059	65	2	p>|z|	p>|z|	VERB
fbem-30059	66	1	[	[	X
fbem-30059	66	2	95%conf	95%conf	NUM
fbem-30059	66	3	.	.	PUNCT
fbem-30059	67	1	interval	interval	NOUN
fbem-30059	67	2	]	]	PUNCT
fbem-30059	67	3	fl2	fl2	PROPN
fbem-30059	67	4	1.004058	1.004058	NUM
fbem-30059	67	5	.0003346	.0003346	NOUN
fbem-30059	67	6	12.15	12.15	NUM
fbem-30059	67	7	0.000	0.000	NUM
fbem-30059	67	8	1.003402	1.003402	NUM
fbem-30059	67	9	1.004714	1.004714	NUM
fbem-30059	67	10	controls	control	NOUN
fbem-30059	67	11	1	1	NUM
fbem-30059	67	12	(	(	PUNCT
fbem-30059	67	13	offset	offset	NOUN
fbem-30059	67	14	)	)	PUNCT
fbem-30059	67	15	to	to	PART
fbem-30059	67	16	ensure	ensure	VERB
fbem-30059	67	17	the	the	DET
fbem-30059	67	18	accuracy	accuracy	NOUN
fbem-30059	67	19	of	of	ADP
fbem-30059	67	20	the	the	DET
fbem-30059	67	21	empirical	empirical	ADJ
fbem-30059	67	22	process	process	NOUN
fbem-30059	67	23	,	,	PUNCT
fbem-30059	67	24	this	this	DET
fbem-30059	67	25	paper	paper	NOUN
fbem-30059	67	26	adopts	adopt	VERB
fbem-30059	67	27	mathematical	mathematical	ADJ
fbem-30059	67	28	research	research	NOUN
fbem-30059	67	29	methods	method	NOUN
fbem-30059	67	30	.	.	PUNCT
fbem-30059	68	1	each	each	DET
fbem-30059	68	2	indicator	indicator	NOUN
fbem-30059	68	3	in	in	ADP
fbem-30059	68	4	financial	financial	ADJ
fbem-30059	68	5	literacy	literacy	NOUN
fbem-30059	68	6	is	be	AUX
fbem-30059	68	7	compiled	compile	VERB
fbem-30059	68	8	into	into	ADP
fbem-30059	68	9	a	a	DET
fbem-30059	68	10	comprehensive	comprehensive	ADJ
fbem-30059	68	11	control	control	NOUN
fbem-30059	68	12	variable	variable	ADJ
fbem-30059	68	13	index	index	NOUN
fbem-30059	68	14	using	use	VERB
fbem-30059	68	15	the	the	DET
fbem-30059	68	16	summation	summation	NOUN
fbem-30059	68	17	method	method	NOUN
fbem-30059	68	18	and	and	CCONJ
fbem-30059	68	19	is	be	AUX
fbem-30059	68	20	incorporated	incorporate	VERB
fbem-30059	68	21	into	into	ADP
fbem-30059	68	22	the	the	DET
fbem-30059	68	23	construction	construction	NOUN
fbem-30059	68	24	of	of	ADP
fbem-30059	68	25	the	the	DET
fbem-30059	68	26	model	model	NOUN
fbem-30059	68	27	.	.	PUNCT
fbem-30059	69	1	finally	finally	ADV
fbem-30059	69	2	,	,	PUNCT
fbem-30059	69	3	the	the	DET
fbem-30059	69	4	data	data	NOUN
fbem-30059	69	5	is	be	AUX
fbem-30059	69	6	input	input	NOUN
fbem-30059	69	7	into	into	ADP
fbem-30059	69	8	stata	stata	NOUN
fbem-30059	69	9	18	18	NUM
fbem-30059	69	10	.	.	PUNCT
fbem-30059	70	1	since	since	SCONJ
fbem-30059	70	2	the	the	DET
fbem-30059	70	3	explained	explain	VERB
fbem-30059	70	4	variable	variable	NOUN
fbem-30059	70	5	(	(	PUNCT
fbem-30059	70	6	fuard	fuard	ADV
fbem-30059	70	7	)	)	PUNCT
fbem-30059	70	8	is	be	AUX
fbem-30059	70	9	a	a	DET
fbem-30059	70	10	binary	binary	ADJ
fbem-30059	70	11	dependent	dependent	ADJ
fbem-30059	70	12	variable	variable	NOUN
fbem-30059	70	13	,	,	PUNCT
fbem-30059	70	14	and	and	CCONJ
fbem-30059	70	15	considering	consider	VERB
fbem-30059	70	16	multiple	multiple	ADJ
fbem-30059	70	17	factors	factor	NOUN
fbem-30059	70	18	such	such	ADJ
fbem-30059	70	19	as	as	ADP
fbem-30059	70	20	the	the	DET
fbem-30059	70	21	large	large	ADJ
fbem-30059	70	22	sample	sample	NOUN
fbem-30059	70	23	size	size	NOUN
fbem-30059	70	24	and	and	CCONJ
fbem-30059	70	25	strong	strong	ADJ
fbem-30059	70	26	collinearity	collinearity	NOUN
fbem-30059	70	27	among	among	ADP
fbem-30059	70	28	independent	independent	ADJ
fbem-30059	70	29	variables	variable	NOUN
fbem-30059	70	30	,	,	PUNCT
fbem-30059	70	31	the	the	DET
fbem-30059	70	32	double	double	ADJ
fbem-30059	70	33	-	-	PUNCT
fbem-30059	70	34	selection	selection	NOUN
fbem-30059	70	35	lasso	lasso	NOUN
fbem-30059	70	36	logit	logit	PROPN
fbem-30059	70	37	model	model	NOUN
fbem-30059	70	38	is	be	AUX
fbem-30059	70	39	used	use	VERB
fbem-30059	70	40	to	to	PART
fbem-30059	70	41	construct	construct	VERB
fbem-30059	70	42	the	the	DET
fbem-30059	70	43	model	model	NOUN
fbem-30059	70	44	.	.	PUNCT
fbem-30059	71	1	the	the	DET
fbem-30059	71	2	results	result	NOUN
fbem-30059	71	3	are	be	AUX
fbem-30059	71	4	shown	show	VERB
fbem-30059	71	5	in	in	ADP
fbem-30059	71	6	table	table	NOUN
fbem-30059	71	7	3	3	NUM
fbem-30059	71	8	.	.	PUNCT
fbem-30059	71	9	by	by	ADP
fbem-30059	71	10	comparing	compare	VERB
fbem-30059	71	11	various	various	ADJ
fbem-30059	71	12	data	datum	NOUN
fbem-30059	71	13	,	,	PUNCT
fbem-30059	71	14	it	it	PRON
fbem-30059	71	15	is	be	AUX
fbem-30059	71	16	found	find	VERB
fbem-30059	71	17	that	that	SCONJ
fbem-30059	71	18	for	for	ADP
fbem-30059	71	19	fl2	fl2	PROPN
fbem-30059	71	20	,	,	PUNCT
fbem-30059	71	21	the	the	DET
fbem-30059	71	22	squared	squared	ADJ
fbem-30059	71	23	term	term	NOUN
fbem-30059	71	24	of	of	ADP
fbem-30059	71	25	financial	financial	ADJ
fbem-30059	71	26	literacy	literacy	NOUN
fbem-30059	71	27	,	,	PUNCT
fbem-30059	71	28	the	the	DET
fbem-30059	71	29	odds	odd	NOUN
fbem-30059	71	30	ratio	ratio	NOUN
fbem-30059	71	31	=	=	SYM
fbem-30059	71	32	1.004058	1.004058	NUM
fbem-30059	71	33	,	,	PUNCT
fbem-30059	71	34	which	which	PRON
fbem-30059	71	35	is	be	AUX
fbem-30059	71	36	positive	positive	ADJ
fbem-30059	71	37	,	,	PUNCT
fbem-30059	71	38	indicating	indicate	VERB
fbem-30059	71	39	that	that	SCONJ
fbem-30059	71	40	as	as	ADP
fbem-30059	71	41	the	the	DET
fbem-30059	71	42	square	square	NOUN
fbem-30059	71	43	of	of	ADP
fbem-30059	71	44	fl	fl	NUM
fbem-30059	71	45	increases	increase	NOUN
fbem-30059	71	46	,	,	PUNCT
fbem-30059	71	47	the	the	DET
fbem-30059	71	48	odds	odd	NOUN
fbem-30059	71	49	of	of	ADP
fbem-30059	71	50	fraud	fraud	NOUN
fbem-30059	71	51	occurrence	occurrence	NOUN
fbem-30059	71	52	will	will	AUX
fbem-30059	71	53	increase	increase	VERB
fbem-30059	71	54	.	.	PUNCT
fbem-30059	72	1	z	z	X
fbem-30059	72	2	=	=	SYM
fbem-30059	72	3	12.15	12.15	NUM
fbem-30059	72	4	,	,	PUNCT
fbem-30059	72	5	p>|z|	p>|z|	VERB
fbem-30059	72	6	=	=	SYM
fbem-30059	72	7	0.000	0.000	NUM
fbem-30059	72	8	,	,	PUNCT
fbem-30059	72	9	indicating	indicate	VERB
fbem-30059	72	10	that	that	SCONJ
fbem-30059	72	11	the	the	DET
fbem-30059	72	12	coefficient	coefficient	NOUN
fbem-30059	72	13	of	of	ADP
fbem-30059	72	14	fl2	fl2	PROPN
fbem-30059	72	15	is	be	AUX
fbem-30059	72	16	significantly	significantly	ADV
fbem-30059	72	17	non	non	ADJ
fbem-30059	72	18	zero	zero	NUM
fbem-30059	72	19	,	,	PUNCT
fbem-30059	72	20	that	that	ADV
fbem-30059	72	21	is	is	ADV
fbem-30059	72	22	,	,	PUNCT
fbem-30059	72	23	the	the	DET
fbem-30059	72	24	squared	squared	ADJ
fbem-30059	72	25	term	term	NOUN
fbem-30059	72	26	of	of	ADP
fbem-30059	72	27	fl	fl	PROPN
fbem-30059	72	28	has	have	VERB
fbem-30059	72	29	a	a	DET
fbem-30059	72	30	significant	significant	ADJ
fbem-30059	72	31	positive	positive	ADJ
fbem-30059	72	32	impact	impact	NOUN
fbem-30059	72	33	on	on	ADP
fbem-30059	72	34	fraud	fraud	NOUN
fbem-30059	72	35	.	.	PUNCT
fbem-30059	73	1	the	the	DET
fbem-30059	73	2	95	95	NUM
fbem-30059	73	3	%	%	NOUN
fbem-30059	73	4	confidence	confidence	NOUN
fbem-30059	73	5	interval	interval	NOUN
fbem-30059	73	6	further	far	ADV
fbem-30059	73	7	confirms	confirm	VERB
fbem-30059	73	8	the	the	DET
fbem-30059	73	9	significance	significance	NOUN
fbem-30059	73	10	and	and	CCONJ
fbem-30059	73	11	positive	positive	ADJ
fbem-30059	73	12	impact	impact	NOUN
fbem-30059	73	13	of	of	ADP
fbem-30059	73	14	the	the	DET
fbem-30059	73	15	fl2	fl2	PROPN
fbem-30059	73	16	coefficient	coefficient	NOUN
fbem-30059	73	17	.	.	PUNCT
fbem-30059	74	1	for	for	ADP
fbem-30059	74	2	fl	fl	PROPN
fbem-30059	74	3	,	,	PUNCT
fbem-30059	74	4	the	the	DET
fbem-30059	74	5	odds	odd	NOUN
fbem-30059	74	6	ratio	ratio	NOUN
fbem-30059	74	7	=	=	SYM
fbem-30059	74	8	0.8618567	0.8618567	NUM
fbem-30059	74	9	,	,	PUNCT
fbem-30059	74	10	which	which	PRON
fbem-30059	74	11	is	be	AUX
fbem-30059	74	12	less	less	ADJ
fbem-30059	74	13	than	than	ADP
fbem-30059	74	14	1	1	NUM
fbem-30059	74	15	.	.	PUNCT
fbem-30059	75	1	this	this	PRON
fbem-30059	75	2	means	mean	VERB
fbem-30059	75	3	that	that	SCONJ
fbem-30059	75	4	when	when	SCONJ
fbem-30059	75	5	other	other	ADJ
fbem-30059	75	6	conditions	condition	NOUN
fbem-30059	75	7	remain	remain	VERB
fbem-30059	75	8	unchanged	unchanged	ADJ
fbem-30059	75	9	,	,	PUNCT
fbem-30059	75	10	for	for	SCONJ
fbem-30059	75	11	everyone	everyone	PRON
fbem-30059	75	12	unit	unit	NOUN
fbem-30059	75	13	increase	increase	VERB
fbem-30059	75	14	in	in	ADP
fbem-30059	75	15	fl	fl	PROPN
fbem-30059	75	16	,	,	PUNCT
fbem-30059	75	17	the	the	DET
fbem-30059	75	18	odds	odd	NOUN
fbem-30059	75	19	of	of	ADP
fbem-30059	75	20	fraud	fraud	NOUN
fbem-30059	75	21	occurrence	occurrence	NOUN
fbem-30059	75	22	will	will	AUX
fbem-30059	75	23	become	become	VERB
fbem-30059	75	24	0.8618567	0.8618567	NUM
fbem-30059	75	25	times	time	NOUN
fbem-30059	75	26	the	the	DET
fbem-30059	75	27	original	original	ADJ
fbem-30059	75	28	,	,	PUNCT
fbem-30059	75	29	that	that	ADV
fbem-30059	75	30	is	is	ADV
fbem-30059	75	31	,	,	PUNCT
fbem-30059	75	32	the	the	DET
fbem-30059	75	33	odds	odd	NOUN
fbem-30059	75	34	of	of	ADP
fbem-30059	75	35	fraud	fraud	NOUN
fbem-30059	75	36	occurrence	occurrence	NOUN
fbem-30059	75	37	will	will	AUX
fbem-30059	75	38	decrease	decrease	VERB
fbem-30059	75	39	,	,	PUNCT
fbem-30059	75	40	indicating	indicate	VERB
fbem-30059	75	41	that	that	SCONJ
fbem-30059	75	42	fl	fl	PROPN
fbem-30059	75	43	has	have	VERB
fbem-30059	75	44	a	a	DET
fbem-30059	75	45	negative	negative	ADJ
fbem-30059	75	46	impact	impact	NOUN
fbem-30059	75	47	on	on	ADP
fbem-30059	75	48	fraud	fraud	NOUN
fbem-30059	75	49	.	.	PUNCT
fbem-30059	76	1	z	z	X
fbem-30059	76	2	=	=	SYM
fbem-30059	76	3	18.09	18.09	NUM
fbem-30059	76	4	,	,	PUNCT
fbem-30059	76	5	p>|z|	p>|z|	VERB
fbem-30059	76	6	=	=	SYM
fbem-30059	76	7	0.000	0.000	NUM
fbem-30059	76	8	,	,	PUNCT
fbem-30059	76	9	indicating	indicate	VERB
fbem-30059	76	10	that	that	SCONJ
fbem-30059	76	11	the	the	DET
fbem-30059	76	12	coefficient	coefficient	NOUN
fbem-30059	76	13	of	of	ADP
fbem-30059	76	14	fl	fl	PROPN
fbem-30059	76	15	is	be	AUX
fbem-30059	76	16	significantly	significantly	ADV
fbem-30059	76	17	non	non	ADJ
fbem-30059	76	18	zero	zero	NUM
fbem-30059	76	19	,	,	PUNCT
fbem-30059	76	20	that	that	ADV
fbem-30059	76	21	is	is	ADV
fbem-30059	76	22	,	,	PUNCT
fbem-30059	76	23	the	the	DET
fbem-30059	76	24	negative	negative	ADJ
fbem-30059	76	25	impact	impact	NOUN
fbem-30059	76	26	of	of	ADP
fbem-30059	76	27	fl	fl	PROPN
fbem-30059	76	28	on	on	ADP
fbem-30059	76	29	fraud	fraud	NOUN
fbem-30059	76	30	is	be	AUX
fbem-30059	76	31	significant	significant	ADJ
fbem-30059	76	32	.	.	PUNCT
fbem-30059	77	1	the	the	DET
fbem-30059	77	2	95	95	NUM
fbem-30059	77	3	%	%	NOUN
fbem-30059	77	4	confidence	confidence	NOUN
fbem-30059	77	5	interval	interval	NOUN
fbem-30059	77	6	once	once	ADV
fbem-30059	77	7	again	again	ADV
fbem-30059	77	8	confirms	confirm	VERB
fbem-30059	77	9	the	the	DET
fbem-30059	77	10	significance	significance	NOUN
fbem-30059	77	11	and	and	CCONJ
fbem-30059	77	12	negative	negative	ADJ
fbem-30059	77	13	impact	impact	NOUN
fbem-30059	77	14	of	of	ADP
fbem-30059	77	15	the	the	DET
fbem-30059	77	16	fl	fl	PROPN
fbem-30059	77	17	coefficient	coefficient	NOUN
fbem-30059	77	18	.	.	PUNCT
fbem-30059	78	1	combining	combine	VERB
fbem-30059	78	2	the	the	DET
fbem-30059	78	3	negative	negative	ADJ
fbem-30059	78	4	coefficient	coefficient	NOUN
fbem-30059	78	5	of	of	ADP
fbem-30059	78	6	fl	fl	NUM
fbem-30059	78	7	and	and	CCONJ
fbem-30059	78	8	the	the	DET
fbem-30059	78	9	positive	positive	ADJ
fbem-30059	78	10	coefficient	coefficient	NOUN
fbem-30059	78	11	of	of	ADP
fbem-30059	78	12	fl2	fl2	PROPN
fbem-30059	78	13	,	,	PUNCT
fbem-30059	78	14	this	this	PRON
fbem-30059	78	15	initially	initially	ADV
fbem-30059	78	16	suggests	suggest	VERB
fbem-30059	78	17	a	a	DET
fbem-30059	78	18	possible	possible	ADJ
fbem-30059	78	19	u	u	NOUN
fbem-30059	78	20	shaped	shape	VERB
fbem-30059	78	21	relationship	relationship	NOUN
fbem-30059	78	22	.	.	PUNCT
fbem-30059	79	1	that	that	PRON
fbem-30059	79	2	is	be	AUX
fbem-30059	79	3	,	,	PUNCT
fbem-30059	79	4	when	when	SCONJ
fbem-30059	79	5	fl	fl	PROPN
fbem-30059	79	6	is	be	AUX
fbem-30059	79	7	relatively	relatively	ADV
fbem-30059	79	8	small	small	ADJ
fbem-30059	79	9	,	,	PUNCT
fbem-30059	79	10	as	as	ADP
fbem-30059	79	11	fl	fl	NUM
fbem-30059	79	12	increases	increase	NOUN
fbem-30059	79	13	,	,	PUNCT
fbem-30059	79	14	the	the	DET
fbem-30059	79	15	odds	odd	NOUN
fbem-30059	79	16	of	of	ADP
fbem-30059	79	17	fraud	fraud	NOUN
fbem-30059	79	18	occurrence	occurrence	NOUN
fbem-30059	79	19	will	will	AUX
fbem-30059	79	20	first	first	ADV
fbem-30059	79	21	decrease	decrease	VERB
fbem-30059	79	22	due	due	ADP
fbem-30059	79	23	to	to	ADP
fbem-30059	79	24	the	the	DET
fbem-30059	79	25	negative	negative	ADJ
fbem-30059	79	26	effect	effect	NOUN
fbem-30059	79	27	of	of	ADP
fbem-30059	79	28	fl	fl	NOUN
fbem-30059	79	29	;	;	PUNCT
fbem-30059	79	30	when	when	SCONJ
fbem-30059	79	31	fl	fl	PROPN
fbem-30059	79	32	increases	increase	VERB
fbem-30059	79	33	to	to	ADP
fbem-30059	79	34	a	a	DET
fbem-30059	79	35	certain	certain	ADJ
fbem-30059	79	36	extent	extent	NOUN
fbem-30059	79	37	,	,	PUNCT
fbem-30059	79	38	due	due	ADP
fbem-30059	79	39	to	to	ADP
fbem-30059	79	40	the	the	DET
fbem-30059	79	41	positive	positive	ADJ
fbem-30059	79	42	effect	effect	NOUN
fbem-30059	79	43	of	of	ADP
fbem-30059	79	44	fl2	fl2	NOUN
fbem-30059	79	45	gradually	gradually	ADV
fbem-30059	79	46	dominating	dominate	VERB
fbem-30059	79	47	,	,	PUNCT
fbem-30059	79	48	the	the	DET
fbem-30059	79	49	odds	odd	NOUN
fbem-30059	79	50	of	of	ADP
fbem-30059	79	51	fraud	fraud	NOUN
fbem-30059	79	52	occurrence	occurrence	NOUN
fbem-30059	79	53	will	will	AUX
fbem-30059	79	54	start	start	VERB
fbem-30059	79	55	to	to	PART
fbem-30059	79	56	increase	increase	VERB
fbem-30059	79	57	.	.	PUNCT
fbem-30059	80	1	this	this	PRON
fbem-30059	80	2	directly	directly	ADV
fbem-30059	80	3	reflects	reflect	VERB
fbem-30059	80	4	that	that	SCONJ
fbem-30059	80	5	the	the	DET
fbem-30059	80	6	"	"	PUNCT
fbem-30059	80	7	u	u	NOUN
fbem-30059	80	8	shaped	shape	VERB
fbem-30059	80	9	relationship	relationship	NOUN
fbem-30059	80	10	"	"	PUNCT
fbem-30059	80	11	between	between	ADP
fbem-30059	80	12	financial	financial	ADJ
fbem-30059	80	13	literacy	literacy	NOUN
fbem-30059	80	14	and	and	CCONJ
fbem-30059	80	15	the	the	DET
fbem-30059	80	16	risk	risk	NOUN
fbem-30059	80	17	of	of	ADP
fbem-30059	80	18	being	be	AUX
fbem-30059	80	19	defrauded	defraud	VERB
fbem-30059	80	20	basically	basically	ADV
fbem-30059	80	21	exists	exist	VERB
fbem-30059	80	22	,	,	PUNCT
fbem-30059	80	23	and	and	CCONJ
fbem-30059	80	24	proves	prove	VERB
fbem-30059	80	25	that	that	SCONJ
fbem-30059	80	26	the	the	DET
fbem-30059	80	27	research	research	NOUN
fbem-30059	80	28	of	of	ADP
fbem-30059	80	29	this	this	DET
fbem-30059	80	30	paper	paper	NOUN
fbem-30059	80	31	has	have	VERB
fbem-30059	80	32	certain	certain	ADJ
fbem-30059	80	33	practical	practical	ADJ
fbem-30059	80	34	significance	significance	NOUN
fbem-30059	80	35	.	.	PUNCT
fbem-30059	81	1	4	4	X
fbem-30059	81	2	.	.	X
fbem-30059	81	3	empirical	empirical	ADJ
fbem-30059	81	4	analysis	analysis	NOUN
fbem-30059	81	5	4.1	4.1	NUM
fbem-30059	81	6	.	.	PUNCT
fbem-30059	82	1	benchmark	benchmark	NOUN
fbem-30059	82	2	regression	regression	NOUN
fbem-30059	82	3	results	result	VERB
fbem-30059	82	4	this	this	DET
fbem-30059	82	5	paper	paper	NOUN
fbem-30059	82	6	uses	use	VERB
fbem-30059	82	7	the	the	DET
fbem-30059	82	8	f	f	PROPN
fbem-30059	82	9	test	test	NOUN
fbem-30059	82	10	to	to	PART
fbem-30059	82	11	conduct	conduct	VERB
fbem-30059	82	12	a	a	DET
fbem-30059	82	13	joint	joint	ADJ
fbem-30059	82	14	significance	significance	NOUN
fbem-30059	82	15	test	test	NOUN
fbem-30059	82	16	on	on	ADP
fbem-30059	82	17	fl	fl	PROPN
fbem-30059	82	18	and	and	CCONJ
fbem-30059	82	19	fl2	fl2	PROPN
fbem-30059	82	20	(	(	PUNCT
fbem-30059	82	21	test	test	NOUN
fbem-30059	82	22	fl	fl	NUM
fbem-30059	82	23	fl2	fl2	NOUN
fbem-30059	82	24	)	)	PUNCT
fbem-30059	82	25	.	.	PUNCT
fbem-30059	83	1	the	the	DET
fbem-30059	83	2	chi	chi	PROPN
fbem-30059	83	3	square	square	PROPN
fbem-30059	83	4	statistic	statistic	NOUN
fbem-30059	83	5	is	be	AUX
fbem-30059	83	6	67	67	NUM
fbem-30059	83	7	the	the	DET
fbem-30059	83	8	same	same	ADJ
fbem-30059	83	9	as	as	ADP
fbem-30059	83	10	the	the	DET
fbem-30059	83	11	previous	previous	ADJ
fbem-30059	83	12	wald	wald	PROPN
fbem-30059	83	13	chi2(2	chi2(2	PROPN
fbem-30059	83	14	)	)	PUNCT
fbem-30059	83	15	value	value	NOUN
fbem-30059	83	16	,	,	PUNCT
fbem-30059	83	17	and	and	CCONJ
fbem-30059	83	18	prob＞chi2	prob＞chi2	NOUN
fbem-30059	83	19	,	,	PUNCT
fbem-30059	83	20	indicating	indicate	VERB
fbem-30059	83	21	that	that	SCONJ
fbem-30059	83	22	the	the	DET
fbem-30059	83	23	test	test	NOUN
fbem-30059	83	24	effect	effect	NOUN
fbem-30059	83	25	is	be	AUX
fbem-30059	83	26	significant	significant	ADJ
fbem-30059	83	27	,	,	PUNCT
fbem-30059	83	28	further	far	ADV
fbem-30059	83	29	verifying	verify	VERB
fbem-30059	83	30	the	the	DET
fbem-30059	83	31	influence	influence	NOUN
fbem-30059	83	32	of	of	ADP
fbem-30059	83	33	independent	independent	ADJ
fbem-30059	83	34	variables	variable	NOUN
fbem-30059	83	35	in	in	ADP
fbem-30059	83	36	the	the	DET
fbem-30059	83	37	model	model	NOUN
fbem-30059	83	38	on	on	ADP
fbem-30059	83	39	the	the	DET
fbem-30059	83	40	overall	overall	ADJ
fbem-30059	83	41	model	model	NOUN
fbem-30059	83	42	.	.	PUNCT
fbem-30059	84	1	the	the	DET
fbem-30059	84	2	specific	specific	ADJ
fbem-30059	84	3	test	test	NOUN
fbem-30059	84	4	results	result	NOUN
fbem-30059	84	5	are	be	AUX
fbem-30059	84	6	shown	show	VERB
fbem-30059	84	7	in	in	ADP
fbem-30059	84	8	table	table	NOUN
fbem-30059	84	9	4	4	NUM
fbem-30059	84	10	.	.	PUNCT
fbem-30059	84	11	table	table	NOUN
fbem-30059	84	12	4	4	NUM
fbem-30059	84	13	.	.	PUNCT
fbem-30059	84	14	benchmark	benchmark	NOUN
fbem-30059	84	15	regression	regression	NOUN
fbem-30059	84	16	results	result	NOUN
fbem-30059	84	17	of	of	ADP
fbem-30059	84	18	f	f	PROPN
fbem-30059	84	19	test	test	NOUN
fbem-30059	84	20	test	test	NOUN
fbem-30059	84	21	fl	fl	ADP
fbem-30059	84	22	fl2	fl2	PROPN
fbem-30059	84	23	(	(	PUNCT
fbem-30059	84	24	1	1	NUM
fbem-30059	84	25	)	)	PUNCT
fbem-30059	85	1	[	[	X
fbem-30059	85	2	fraud]fl	fraud]fl	NOUN
fbem-30059	85	3	=	=	SYM
fbem-30059	85	4	0	0	PUNCT
fbem-30059	86	1	(	(	PUNCT
fbem-30059	87	1	2	2	NUM
fbem-30059	87	2	)	)	PUNCT
fbem-30059	87	3	[	[	X
fbem-30059	87	4	fraud]fl2	fraud]fl2	X
fbem-30059	87	5	=	=	SYM
fbem-30059	87	6	0	0	NUM
fbem-30059	87	7	chi2(2	chi2(2	NOUN
fbem-30059	87	8	)	)	PUNCT
fbem-30059	87	9	=	=	PUNCT
fbem-30059	88	1	544.58	544.58	NUM
fbem-30059	88	2	prob	prob	NOUN
fbem-30059	88	3	>	>	X
fbem-30059	88	4	chi2	chi2	PROPN
fbem-30059	88	5	=	=	PUNCT
fbem-30059	88	6	0.0000	0.0000	NUM
fbem-30059	88	7	4.2	4.2	NUM
fbem-30059	88	8	.	.	PUNCT
fbem-30059	89	1	robustness	robustness	NOUN
fbem-30059	89	2	test	test	NOUN
fbem-30059	89	3	in	in	ADP
fbem-30059	89	4	dealing	deal	VERB
fbem-30059	89	5	with	with	ADP
fbem-30059	89	6	endogeneity	endogeneity	NOUN
fbem-30059	89	7	problems	problem	NOUN
fbem-30059	89	8	and	and	CCONJ
fbem-30059	89	9	reducing	reduce	VERB
fbem-30059	89	10	uncertainties	uncertainty	NOUN
fbem-30059	89	11	,	,	PUNCT
fbem-30059	89	12	due	due	ADP
fbem-30059	89	13	to	to	ADP
fbem-30059	89	14	the	the	DET
fbem-30059	89	15	nature	nature	NOUN
fbem-30059	89	16	of	of	ADP
fbem-30059	89	17	the	the	DET
fbem-30059	89	18	model	model	NOUN
fbem-30059	89	19	itself	itself	PRON
fbem-30059	89	20	,	,	PUNCT
fbem-30059	89	21	the	the	DET
fbem-30059	89	22	bootstrap	bootstrap	NOUN
fbem-30059	89	23	statistical	statistical	ADJ
fbem-30059	89	24	test	test	NOUN
fbem-30059	89	25	method	method	NOUN
fbem-30059	89	26	is	be	AUX
fbem-30059	89	27	selected	select	VERB
fbem-30059	89	28	.	.	PUNCT
fbem-30059	90	1	by	by	ADP
fbem-30059	90	2	repeatedly	repeatedly	ADV
fbem-30059	90	3	sampling	sample	VERB
fbem-30059	90	4	the	the	DET
fbem-30059	90	5	original	original	ADJ
fbem-30059	90	6	data	datum	NOUN
fbem-30059	90	7	with	with	ADP
fbem-30059	90	8	replacement	replacement	NOUN
fbem-30059	90	9	,	,	PUNCT
fbem-30059	90	10	the	the	DET
fbem-30059	90	11	confidence	confidence	NOUN
fbem-30059	90	12	interval	interval	NOUN
fbem-30059	90	13	and	and	CCONJ
fbem-30059	90	14	standard	standard	ADJ
fbem-30059	90	15	error	error	NOUN
fbem-30059	90	16	of	of	ADP
fbem-30059	90	17	the	the	DET
fbem-30059	90	18	statistic	statistic	NOUN
fbem-30059	90	19	are	be	AUX
fbem-30059	90	20	estimated	estimate	VERB
fbem-30059	90	21	again	again	ADV
fbem-30059	90	22	.	.	PUNCT
fbem-30059	91	1	the	the	DET
fbem-30059	91	2	results	result	NOUN
fbem-30059	91	3	show	show	VERB
fbem-30059	91	4	that	that	SCONJ
fbem-30059	91	5	the	the	DET
fbem-30059	91	6	model	model	NOUN
fbem-30059	91	7	is	be	AUX
fbem-30059	91	8	still	still	ADV
fbem-30059	91	9	significant	significant	ADJ
fbem-30059	91	10	,	,	PUNCT
fbem-30059	91	11	the	the	DET
fbem-30059	91	12	coefficients	coefficient	NOUN
fbem-30059	91	13	of	of	ADP
fbem-30059	91	14	the	the	DET
fbem-30059	91	15	main	main	ADJ
fbem-30059	91	16	independent	independent	ADJ
fbem-30059	91	17	variables	variable	NOUN
fbem-30059	91	18	(	(	PUNCT
fbem-30059	91	19	fl2	fl2	PROPN
fbem-30059	91	20	and	and	CCONJ
fbem-30059	91	21	fl	fl	NOUN
fbem-30059	91	22	)	)	PUNCT
fbem-30059	91	23	are	be	AUX
fbem-30059	91	24	still	still	ADV
fbem-30059	91	25	significant	significant	ADJ
fbem-30059	91	26	,	,	PUNCT
fbem-30059	91	27	and	and	CCONJ
fbem-30059	91	28	the	the	DET
fbem-30059	91	29	directions	direction	NOUN
fbem-30059	91	30	are	be	AUX
fbem-30059	91	31	the	the	DET
fbem-30059	91	32	same	same	ADJ
fbem-30059	91	33	as	as	ADP
fbem-30059	91	34	before	before	ADV
fbem-30059	91	35	,	,	PUNCT
fbem-30059	91	36	but	but	CCONJ
fbem-30059	91	37	the	the	DET
fbem-30059	91	38	bootstrap	bootstrap	NOUN
fbem-30059	91	39	standard	standard	ADJ
fbem-30059	91	40	error	error	NOUN
fbem-30059	91	41	is	be	AUX
fbem-30059	91	42	slightly	slightly	ADV
fbem-30059	91	43	different	different	ADJ
fbem-30059	91	44	from	from	ADP
fbem-30059	91	45	the	the	DET
fbem-30059	91	46	original	original	ADJ
fbem-30059	91	47	standard	standard	ADJ
fbem-30059	91	48	error	error	NOUN
fbem-30059	91	49	.	.	PUNCT
fbem-30059	92	1	however	however	ADV
fbem-30059	92	2	,	,	PUNCT
fbem-30059	92	3	the	the	DET
fbem-30059	92	4	bootstrap	bootstrap	NOUN
fbem-30059	92	5	sampling	sample	VERB
fbem-30059	92	6	process	process	NOUN
fbem-30059	92	7	also	also	ADV
fbem-30059	92	8	brings	bring	VERB
fbem-30059	92	9	some	some	DET
fbem-30059	92	10	changes	change	NOUN
fbem-30059	92	11	in	in	ADP
fbem-30059	92	12	estimation	estimation	NOUN
fbem-30059	92	13	.	.	PUNCT
fbem-30059	93	1	compared	compare	VERB
fbem-30059	93	2	with	with	ADP
fbem-30059	93	3	the	the	DET
fbem-30059	93	4	previous	previous	ADJ
fbem-30059	93	5	research	research	NOUN
fbem-30059	93	6	,	,	PUNCT
fbem-30059	93	7	it	it	PRON
fbem-30059	93	8	can	can	AUX
fbem-30059	93	9	be	be	AUX
fbem-30059	93	10	considered	consider	VERB
fbem-30059	93	11	that	that	SCONJ
fbem-30059	93	12	the	the	DET
fbem-30059	93	13	model	model	NOUN
fbem-30059	93	14	results	result	NOUN
fbem-30059	93	15	are	be	AUX
fbem-30059	93	16	robust	robust	ADJ
fbem-30059	93	17	to	to	ADP
fbem-30059	93	18	a	a	DET
fbem-30059	93	19	certain	certain	ADJ
fbem-30059	93	20	extent	extent	NOUN
fbem-30059	93	21	.	.	PUNCT
fbem-30059	94	1	the	the	DET
fbem-30059	94	2	specific	specific	ADJ
fbem-30059	94	3	information	information	NOUN
fbem-30059	94	4	is	be	AUX
fbem-30059	94	5	shown	show	VERB
fbem-30059	94	6	in	in	ADP
fbem-30059	94	7	table	table	NOUN
fbem-30059	94	8	5	5	NUM
fbem-30059	94	9	.	.	PUNCT
fbem-30059	94	10	table	table	NOUN
fbem-30059	94	11	5	5	NUM
fbem-30059	94	12	.	.	PUNCT
fbem-30059	94	13	bootstrap	bootstrap	NOUN
fbem-30059	94	14	robustness	robustness	NOUN
fbem-30059	94	15	test	test	NOUN
fbem-30059	94	16	results	result	VERB
fbem-30059	94	17	double	double	ADJ
fbem-30059	94	18	-	-	PUNCT
fbem-30059	94	19	selection	selection	NOUN
fbem-30059	94	20	logit	logit	NOUN
fbem-30059	94	21	model	model	NOUN
fbem-30059	94	22	number	number	NOUN
fbem-30059	94	23	of	of	ADP
fbem-30059	94	24	obs	obs	PROPN
fbem-30059	94	25	=	=	PROPN
fbem-30059	94	26	34,643	34,643	NUM
fbem-30059	94	27	number	number	NOUN
fbem-30059	94	28	of	of	ADP
fbem-30059	94	29	controls	control	NOUN
fbem-30059	94	30	=	=	SYM
fbem-30059	94	31	1	1	NUM
fbem-30059	94	32	number	number	NOUN
fbem-30059	94	33	of	of	ADP
fbem-30059	94	34	selected	select	VERB
fbem-30059	94	35	controls	control	NOUN
fbem-30059	94	36	=	=	SYM
fbem-30059	94	37	1	1	NUM
fbem-30059	94	38	wald	wald	X
fbem-30059	94	39	chi2(2	chi2(2	PROPN
fbem-30059	94	40	)	)	PUNCT
fbem-30059	94	41	=	=	PUNCT
fbem-30059	94	42	656.20	656.20	NUM
fbem-30059	94	43	prob	prob	NOUN
fbem-30059	94	44	>	>	X
fbem-30059	94	45	chi2	chi2	PROPN
fbem-30059	94	46	=	=	SYM
fbem-30059	94	47	0.0000	0.0000	NUM
fbem-30059	94	48	observed	observe	VERB
fbem-30059	94	49	bootstrap	bootstrap	NOUN
fbem-30059	94	50	normal	normal	ADJ
fbem-30059	94	51	-	-	PUNCT
fbem-30059	94	52	based	base	VERB
fbem-30059	94	53	fraud	fraud	NOUN
fbem-30059	94	54	odds	odd	VERB
fbem-30059	94	55	ratio	ratio	NOUN
fbem-30059	94	56	std	std	NOUN
fbem-30059	94	57	.	.	PUNCT
fbem-30059	95	1	err	err	PROPN
fbem-30059	95	2	.	.	PUNCT
fbem-30059	96	1	z	z	NOUN
fbem-30059	96	2	p>|z|	p>|z|	VERB
fbem-30059	96	3	[	[	X
fbem-30059	96	4	95	95	NUM
fbem-30059	96	5	%	%	NOUN
fbem-30059	96	6	conf	conf	NOUN
fbem-30059	96	7	.	.	PUNCT
fbem-30059	97	1	interval	interval	NOUN
fbem-30059	97	2	]	]	PUNCT
fbem-30059	97	3	fl2	fl2	PROPN
fbem-30059	97	4	1.004058	1.004058	NUM
fbem-30059	97	5	.0003831	.0003831	PROPN
fbem-30059	97	6	10.61	10.61	NUM
fbem-30059	97	7	0.000	0.000	NUM
fbem-30059	97	8	1.003307	1.003307	NUM
fbem-30059	97	9	1.004809	1.004809	NUM
fbem-30059	97	10	fl	fl	NOUN
fbem-30059	98	1	.8618567	.8618567	NOUN
fbem-30059	98	2	.0075904	.0075904	PUNCT
fbem-30059	99	1	-16.88	-16.88	NOUN
fbem-30059	99	2	0.000	0.000	NUM
fbem-30059	99	3	.8471074	.8471074	PROPN
fbem-30059	99	4	.8768628	.8768628	PROPN
fbem-30059	99	5	controls	control	VERB
fbem-30059	99	6	1	1	NUM
fbem-30059	99	7	(	(	PUNCT
fbem-30059	99	8	offset	offset	PROPN
fbem-30059	99	9	)	)	PUNCT
fbem-30059	99	10	4.3	4.3	NUM
fbem-30059	99	11	.	.	PUNCT
fbem-30059	100	1	further	further	ADJ
fbem-30059	100	2	verification	verification	NOUN
fbem-30059	100	3	by	by	ADP
fbem-30059	100	4	mathematical	mathematical	ADJ
fbem-30059	100	5	methods	method	NOUN
fbem-30059	100	6	in	in	ADP
fbem-30059	100	7	the	the	DET
fbem-30059	100	8	analysis	analysis	NOUN
fbem-30059	100	9	of	of	ADP
fbem-30059	100	10	logistic	logistic	ADJ
fbem-30059	100	11	regression	regression	NOUN
fbem-30059	100	12	,	,	PUNCT
fbem-30059	100	13	according	accord	VERB
fbem-30059	100	14	to	to	ADP
fbem-30059	100	15	the	the	DET
fbem-30059	100	16	model	model	NOUN
fbem-30059	100	17	,	,	PUNCT
fbem-30059	100	18	assume	assume	VERB
fbem-30059	100	19	that	that	SCONJ
fbem-30059	100	20	the	the	DET
fbem-30059	100	21	independent	independent	ADJ
fbem-30059	100	22	variable	variable	NOUN
fbem-30059	100	23	is	be	AUX
fbem-30059	100	24	x	x	PUNCT
fbem-30059	100	25	and	and	CCONJ
fbem-30059	100	26	the	the	DET
fbem-30059	100	27	dependent	dependent	ADJ
fbem-30059	100	28	variable	variable	NOUN
fbem-30059	100	29	is	be	AUX
fbem-30059	100	30	y	y	PROPN
fbem-30059	100	31	,	,	PUNCT
fbem-30059	100	32	and	and	CCONJ
fbem-30059	100	33	the	the	DET
fbem-30059	100	34	model	model	NOUN
fbem-30059	100	35	can	can	AUX
fbem-30059	100	36	be	be	AUX
fbem-30059	100	37	expressed	express	VERB
fbem-30059	100	38	as	as	ADP
fbem-30059	100	39	in	in	ADP
fbem-30059	100	40	(	(	PUNCT
fbem-30059	100	41	p(y=1|x)/1	p(y=1|x)/1	NOUN
fbem-30059	100	42	-	-	ADJ
fbem-30059	100	43	p(y=1|x))=β0+β1x+β2x	p(y=1|x))=β0+β1x+β2x	ADJ
fbem-30059	100	44	2	2	NUM
fbem-30059	100	45	,	,	PUNCT
fbem-30059	100	46	β0	β0	NOUN
fbem-30059	100	47	,	,	PUNCT
fbem-30059	100	48	β1	β1	PROPN
fbem-30059	100	49	,	,	PUNCT
fbem-30059	100	50	β2	β2	NOUN
fbem-30059	100	51	corresponding	correspond	VERB
fbem-30059	100	52	to	to	ADP
fbem-30059	100	53	the	the	DET
fbem-30059	100	54	intercept	intercept	NOUN
fbem-30059	100	55	term	term	NOUN
fbem-30059	100	56	,	,	PUNCT
fbem-30059	100	57	the	the	DET
fbem-30059	100	58	coefficient	coefficient	NOUN
fbem-30059	100	59	of	of	ADP
fbem-30059	100	60	the	the	DET
fbem-30059	100	61	first	first	ADJ
fbem-30059	100	62	order	order	NOUN
fbem-30059	100	63	term	term	NOUN
fbem-30059	100	64	,	,	PUNCT
fbem-30059	100	65	and	and	CCONJ
fbem-30059	100	66	the	the	DET
fbem-30059	100	67	coefficient	coefficient	NOUN
fbem-30059	100	68	of	of	ADP
fbem-30059	100	69	the	the	DET
fbem-30059	100	70	second	second	ADJ
fbem-30059	100	71	order	order	NOUN
fbem-30059	100	72	term	term	NOUN
fbem-30059	100	73	respectively	respectively	ADV
fbem-30059	100	74	.	.	PUNCT
fbem-30059	101	1	when	when	SCONJ
fbem-30059	101	2	β1<0	β1<0	PROPN
fbem-30059	101	3	and	and	CCONJ
fbem-30059	101	4	β2>0	β2>0	NOUN
fbem-30059	101	5	,	,	PUNCT
fbem-30059	101	6	there	there	PRON
fbem-30059	101	7	may	may	AUX
fbem-30059	101	8	be	be	AUX
fbem-30059	101	9	a	a	DET
fbem-30059	101	10	u	u	NOUN
fbem-30059	101	11	shaped	shape	VERB
fbem-30059	101	12	relationship	relationship	NOUN
fbem-30059	101	13	.	.	PUNCT
fbem-30059	102	1	at	at	ADP
fbem-30059	102	2	this	this	DET
fbem-30059	102	3	time	time	NOUN
fbem-30059	102	4	,	,	PUNCT
fbem-30059	102	5	take	take	VERB
fbem-30059	102	6	the	the	DET
fbem-30059	102	7	derivative	derivative	NOUN
fbem-30059	102	8	of	of	ADP
fbem-30059	102	9	the	the	DET
fbem-30059	102	10	log	log	NOUN
fbem-30059	102	11	odds	odd	NOUN
fbem-30059	102	12	with	with	ADP
fbem-30059	102	13	respect	respect	NOUN
fbem-30059	102	14	to	to	ADP
fbem-30059	102	15	x	x	PUNCT
fbem-30059	102	16	and	and	CCONJ
fbem-30059	102	17	set	set	VERB
fbem-30059	102	18	x	x	PUNCT
fbem-30059	102	19	equal	equal	ADJ
fbem-30059	102	20	to	to	ADP
fbem-30059	102	21	0	0	NUM
fbem-30059	102	22	,	,	PUNCT
fbem-30059	102	23	and	and	CCONJ
fbem-30059	102	24	the	the	DET
fbem-30059	102	25	possible	possible	ADJ
fbem-30059	102	26	extreme	extreme	ADJ
fbem-30059	102	27	point	point	NOUN
fbem-30059	102	28	can	can	AUX
fbem-30059	102	29	be	be	AUX
fbem-30059	102	30	obtained	obtain	VERB
fbem-30059	102	31	as	as	ADP
fbem-30059	102	32	𝑥	𝑥	PROPN
fbem-30059	102	33	=	=	SYM
fbem-30059	102	34	−	−	PROPN
fbem-30059	102	35	β1	β1	PROPN
fbem-30059	102	36	2𝛽2	2𝛽2	NUM
fbem-30059	102	37	,	,	PUNCT
fbem-30059	102	38	combining	combine	VERB
fbem-30059	102	39	the	the	DET
fbem-30059	102	40	above	above	ADJ
fbem-30059	102	41	obtained	obtain	VERB
fbem-30059	102	42	coefficient	coefficient	NOUN
fbem-30059	102	43	results	result	NOUN
fbem-30059	102	44	,	,	PUNCT
fbem-30059	102	45	the	the	DET
fbem-30059	102	46	extreme	extreme	ADJ
fbem-30059	102	47	point	point	NOUN
fbem-30059	102	48	is	be	AUX
fbem-30059	102	49	calculated	calculate	VERB
fbem-30059	102	50	to	to	PART
fbem-30059	102	51	be	be	AUX
fbem-30059	102	52	approximately	approximately	ADV
fbem-30059	102	53	17.09	17.09	NUM
fbem-30059	102	54	.	.	PUNCT
fbem-30059	103	1	this	this	PRON
fbem-30059	103	2	means	mean	VERB
fbem-30059	103	3	that	that	SCONJ
fbem-30059	103	4	when	when	SCONJ
fbem-30059	103	5	fl	fl	PROPN
fbem-30059	103	6	is	be	AUX
fbem-30059	103	7	approximately	approximately	ADV
fbem-30059	103	8	17.09	17.09	NUM
fbem-30059	103	9	,	,	PUNCT
fbem-30059	103	10	the	the	DET
fbem-30059	103	11	log	log	NOUN
fbem-30059	103	12	odds	odd	NOUN
fbem-30059	103	13	may	may	AUX
fbem-30059	103	14	reach	reach	VERB
fbem-30059	103	15	an	an	DET
fbem-30059	103	16	extreme	extreme	ADJ
fbem-30059	103	17	value	value	NOUN
fbem-30059	103	18	.	.	PUNCT
fbem-30059	104	1	when	when	SCONJ
fbem-30059	104	2	fl	fl	X
fbem-30059	104	3	<	<	X
fbem-30059	104	4	17.09	17.09	NUM
fbem-30059	104	5	,	,	PUNCT
fbem-30059	104	6	β1	β1	PROPN
fbem-30059	104	7	+	+	PROPN
fbem-30059	104	8	2β2x<0	2β2x<0	NOUN
fbem-30059	104	9	,	,	PUNCT
fbem-30059	104	10	the	the	DET
fbem-30059	104	11	log	log	NOUN
fbem-30059	104	12	odds	odd	VERB
fbem-30059	104	13	decreases	decrease	NOUN
fbem-30059	104	14	as	as	ADP
fbem-30059	104	15	fl	fl	NUM
fbem-30059	104	16	increases	increase	NOUN
fbem-30059	104	17	,	,	PUNCT
fbem-30059	104	18	that	that	ADV
fbem-30059	104	19	is	is	ADV
fbem-30059	104	20	,	,	PUNCT
fbem-30059	104	21	the	the	DET
fbem-30059	104	22	probability	probability	NOUN
fbem-30059	104	23	of	of	ADP
fbem-30059	104	24	fraud	fraud	NOUN
fbem-30059	104	25	occurrence	occurrence	NOUN
fbem-30059	104	26	relatively	relatively	ADV
fbem-30059	104	27	decreases	decrease	VERB
fbem-30059	104	28	;	;	PUNCT
fbem-30059	104	29	when	when	SCONJ
fbem-30059	104	30	fl	fl	ADP
fbem-30059	104	31	>	>	X
fbem-30059	104	32	17.09	17.09	NUM
fbem-30059	104	33	,	,	PUNCT
fbem-30059	104	34	β1	β1	PROPN
fbem-30059	104	35	+	+	NOUN
fbem-30059	104	36	2β2x>0	2β2x>0	NUM
fbem-30059	104	37	,	,	PUNCT
fbem-30059	104	38	the	the	DET
fbem-30059	104	39	log	log	NOUN
fbem-30059	104	40	odds	odd	VERB
fbem-30059	104	41	increases	increase	NOUN
fbem-30059	104	42	as	as	ADP
fbem-30059	104	43	fl	fl	NUM
fbem-30059	104	44	increases	increase	NOUN
fbem-30059	104	45	,	,	PUNCT
fbem-30059	104	46	that	that	ADV
fbem-30059	104	47	is	is	ADV
fbem-30059	104	48	,	,	PUNCT
fbem-30059	104	49	the	the	DET
fbem-30059	104	50	probability	probability	NOUN
fbem-30059	104	51	of	of	ADP
fbem-30059	104	52	fraud	fraud	NOUN
fbem-30059	104	53	occurrence	occurrence	NOUN
fbem-30059	104	54	relatively	relatively	ADV
fbem-30059	104	55	increases	increase	NOUN
fbem-30059	104	56	.	.	PUNCT
fbem-30059	105	1	also	also	ADV
fbem-30059	105	2	,	,	PUNCT
fbem-30059	105	3	because	because	SCONJ
fbem-30059	105	4	according	accord	VERB
fbem-30059	105	5	to	to	ADP
fbem-30059	105	6	the	the	DET
fbem-30059	105	7	above	above	ADJ
fbem-30059	105	8	theory	theory	NOUN
fbem-30059	105	9	,	,	PUNCT
fbem-30059	105	10	the	the	DET
fbem-30059	105	11	coefficient	coefficient	NOUN
fbem-30059	105	12	of	of	ADP
fbem-30059	105	13	fl	fl	PROPN
fbem-30059	105	14	is	be	AUX
fbem-30059	105	15	negative	negative	ADJ
fbem-30059	105	16	and	and	CCONJ
fbem-30059	105	17	the	the	DET
fbem-30059	105	18	coefficient	coefficient	NOUN
fbem-30059	105	19	of	of	ADP
fbem-30059	105	20	fl2	fl2	PROPN
fbem-30059	105	21	is	be	AUX
fbem-30059	105	22	positive	positive	ADJ
fbem-30059	105	23	.	.	PUNCT
fbem-30059	106	1	according	accord	VERB
fbem-30059	106	2	to	to	ADP
fbem-30059	106	3	the	the	DET
fbem-30059	106	4	properties	property	NOUN
fbem-30059	106	5	of	of	ADP
fbem-30059	106	6	the	the	DET
fbem-30059	106	7	quadratic	quadratic	ADJ
fbem-30059	106	8	function	function	NOUN
fbem-30059	106	9	,	,	PUNCT
fbem-30059	106	10	combined	combine	VERB
fbem-30059	106	11	with	with	ADP
fbem-30059	106	12	the	the	DET
fbem-30059	106	13	above	above	ADJ
fbem-30059	106	14	theoretical	theoretical	ADJ
fbem-30059	106	15	analysis	analysis	NOUN
fbem-30059	106	16	,	,	PUNCT
fbem-30059	106	17	in	in	ADP
fbem-30059	106	18	fact	fact	NOUN
fbem-30059	106	19	,	,	PUNCT
fbem-30059	106	20	the	the	DET
fbem-30059	106	21	u	u	NOUN
fbem-30059	106	22	shaped	shape	VERB
fbem-30059	106	23	relationship	relationship	NOUN
fbem-30059	106	24	has	have	AUX
fbem-30059	106	25	been	be	AUX
fbem-30059	106	26	basically	basically	ADV
fbem-30059	106	27	established	establish	VERB
fbem-30059	106	28	,	,	PUNCT
fbem-30059	106	29	and	and	CCONJ
fbem-30059	106	30	the	the	DET
fbem-30059	106	31	lowest	low	ADJ
fbem-30059	106	32	point	point	NOUN
fbem-30059	106	33	of	of	ADP
fbem-30059	106	34	the	the	DET
fbem-30059	106	35	probability	probability	NOUN
fbem-30059	106	36	of	of	ADP
fbem-30059	106	37	being	be	AUX
fbem-30059	106	38	defrauded	defraud	VERB
fbem-30059	106	39	is	be	AUX
fbem-30059	106	40	when	when	SCONJ
fbem-30059	106	41	fl	fl	PROPN
fbem-30059	106	42	=	=	NOUN
fbem-30059	106	43	17	17	NUM
fbem-30059	106	44	.	.	PUNCT
fbem-30059	107	1	looking	look	VERB
fbem-30059	107	2	at	at	ADP
fbem-30059	107	3	it	it	PRON
fbem-30059	107	4	from	from	ADP
fbem-30059	107	5	the	the	DET
fbem-30059	107	6	perspective	perspective	NOUN
fbem-30059	107	7	of	of	ADP
fbem-30059	107	8	derivatives	derivative	NOUN
fbem-30059	107	9	,	,	PUNCT
fbem-30059	107	10	take	take	VERB
fbem-30059	107	11	the	the	DET
fbem-30059	107	12	first	first	ADJ
fbem-30059	107	13	order	order	NOUN
fbem-30059	107	14	and	and	CCONJ
fbem-30059	107	15	second	second	ADJ
fbem-30059	107	16	order	order	NOUN
fbem-30059	107	17	derivative	derivative	ADJ
fbem-30059	107	18	functions	function	NOUN
fbem-30059	107	19	of	of	ADP
fbem-30059	107	20	the	the	DET
fbem-30059	107	21	regression	regression	NOUN
fbem-30059	107	22	model	model	NOUN
fbem-30059	107	23	respectively	respectively	ADV
fbem-30059	107	24	.	.	PUNCT
fbem-30059	108	1	combining	combine	VERB
fbem-30059	108	2	the	the	DET
fbem-30059	108	3	known	know	VERB
fbem-30059	108	4	coefficients	coefficient	NOUN
fbem-30059	108	5	,	,	PUNCT
fbem-30059	108	6	the	the	DET
fbem-30059	108	7	second	second	ADJ
fbem-30059	108	8	order	order	NOUN
fbem-30059	108	9	derivative	derivative	NOUN
fbem-30059	108	10	is	be	AUX
fbem-30059	108	11	always	always	ADV
fbem-30059	108	12	greater	great	ADJ
fbem-30059	108	13	than	than	ADP
fbem-30059	108	14	0	0	NUM
fbem-30059	108	15	,	,	PUNCT
fbem-30059	108	16	so	so	ADV
fbem-30059	108	17	the	the	DET
fbem-30059	108	18	initial	initial	ADJ
fbem-30059	108	19	regression	regression	NOUN
fbem-30059	108	20	model	model	NOUN
fbem-30059	108	21	is	be	AUX
fbem-30059	108	22	a	a	DET
fbem-30059	108	23	concave	concave	NOUN
fbem-30059	108	24	function	function	NOUN
fbem-30059	108	25	.	.	PUNCT
fbem-30059	109	1	when	when	SCONJ
fbem-30059	109	2	fl	fl	PROPN
fbem-30059	109	3	is	be	AUX
fbem-30059	109	4	less	less	ADJ
fbem-30059	109	5	than	than	ADP
fbem-30059	109	6	17.09	17.09	NUM
fbem-30059	109	7	,	,	PUNCT
fbem-30059	109	8	the	the	DET
fbem-30059	109	9	function	function	NOUN
fbem-30059	109	10	is	be	AUX
fbem-30059	109	11	monotonically	monotonically	ADV
fbem-30059	109	12	decreasing	decrease	VERB
fbem-30059	109	13	,	,	PUNCT
fbem-30059	109	14	and	and	CCONJ
fbem-30059	109	15	the	the	DET
fbem-30059	109	16	rate	rate	NOUN
fbem-30059	109	17	of	of	ADP
fbem-30059	109	18	decrease	decrease	NOUN
fbem-30059	109	19	gradually	gradually	ADV
fbem-30059	109	20	slows	slow	VERB
fbem-30059	109	21	down	down	ADP
fbem-30059	109	22	;	;	PUNCT
fbem-30059	109	23	when	when	SCONJ
fbem-30059	109	24	fl	fl	ADP
fbem-30059	109	25	>	>	X
fbem-30059	109	26	17.09	17.09	NUM
fbem-30059	109	27	,	,	PUNCT
fbem-30059	109	28	the	the	DET
fbem-30059	109	29	function	function	NOUN
fbem-30059	109	30	is	be	AUX
fbem-30059	109	31	monotonically	monotonically	ADV
fbem-30059	109	32	increasing	increase	VERB
fbem-30059	109	33	,	,	PUNCT
fbem-30059	109	34	and	and	CCONJ
fbem-30059	109	35	the	the	DET
fbem-30059	109	36	rate	rate	NOUN
fbem-30059	109	37	of	of	ADP
fbem-30059	109	38	increase	increase	NOUN
fbem-30059	109	39	gradually	gradually	ADV
fbem-30059	109	40	speeds	speed	VERB
fbem-30059	109	41	up	up	ADP
fbem-30059	109	42	.	.	PUNCT
fbem-30059	110	1	the	the	DET
fbem-30059	110	2	change	change	NOUN
fbem-30059	110	3	in	in	ADP
fbem-30059	110	4	the	the	DET
fbem-30059	110	5	concavity	concavity	NOUN
fbem-30059	110	6	and	and	CCONJ
fbem-30059	110	7	monotonicity	monotonicity	NOUN
fbem-30059	110	8	of	of	ADP
fbem-30059	110	9	the	the	DET
fbem-30059	110	10	function	function	NOUN
fbem-30059	110	11	obtained	obtain	VERB
fbem-30059	110	12	by	by	ADP
fbem-30059	110	13	taking	take	VERB
fbem-30059	110	14	derivatives	derivative	NOUN
fbem-30059	110	15	corresponds	correspond	NOUN
fbem-30059	110	16	to	to	ADP
fbem-30059	110	17	the	the	DET
fbem-30059	110	18	u	u	NOUN
fbem-30059	110	19	shaped	shape	VERB
fbem-30059	110	20	relationship	relationship	NOUN
fbem-30059	110	21	speculated	speculate	VERB
fbem-30059	110	22	above	above	ADV
fbem-30059	110	23	,	,	PUNCT
fbem-30059	110	24	further	far	ADV
fbem-30059	110	25	supporting	support	VERB
fbem-30059	110	26	the	the	DET
fbem-30059	110	27	existence	existence	NOUN
fbem-30059	110	28	of	of	ADP
fbem-30059	110	29	the	the	DET
fbem-30059	110	30	"	"	PUNCT
fbem-30059	110	31	u	u	NOUN
fbem-30059	110	32	shaped	shape	VERB
fbem-30059	110	33	relationship	relationship	NOUN
fbem-30059	110	34	"	"	PUNCT
fbem-30059	110	35	between	between	ADP
fbem-30059	110	36	financial	financial	ADJ
fbem-30059	110	37	literacy	literacy	NOUN
fbem-30059	110	38	and	and	CCONJ
fbem-30059	110	39	the	the	DET
fbem-30059	110	40	risk	risk	NOUN
fbem-30059	110	41	of	of	ADP
fbem-30059	110	42	being	be	AUX
fbem-30059	110	43	defrauded	defraud	VERB
fbem-30059	110	44	from	from	ADP
fbem-30059	110	45	a	a	DET
fbem-30059	110	46	mathematical	mathematical	ADJ
fbem-30059	110	47	perspective	perspective	NOUN
fbem-30059	110	48	.	.	PUNCT
fbem-30059	111	1	in	in	ADP
fbem-30059	111	2	conclusion	conclusion	NOUN
fbem-30059	111	3	,	,	PUNCT
fbem-30059	111	4	the	the	DET
fbem-30059	111	5	previous	previous	ADJ
fbem-30059	111	6	hypothesis	hypothesis	NOUN
fbem-30059	111	7	h1	h1	NOUN
fbem-30059	111	8	holds	hold	VERB
fbem-30059	111	9	.	.	PUNCT
fbem-30059	112	1	5	5	X
fbem-30059	112	2	.	.	X
fbem-30059	112	3	conclusion	conclusion	NOUN
fbem-30059	112	4	and	and	CCONJ
fbem-30059	112	5	suggestions	suggestion	NOUN
fbem-30059	112	6	this	this	DET
fbem-30059	112	7	article	article	NOUN
fbem-30059	112	8	constructs	construct	VERB
fbem-30059	112	9	a	a	DET
fbem-30059	112	10	comprehensive	comprehensive	ADJ
fbem-30059	112	11	index	index	NOUN
fbem-30059	112	12	of	of	ADP
fbem-30059	112	13	financial	financial	ADJ
fbem-30059	112	14	literacy	literacy	NOUN
fbem-30059	112	15	indicators	indicator	NOUN
fbem-30059	112	16	using	use	VERB
fbem-30059	112	17	data	datum	NOUN
fbem-30059	112	18	from	from	ADP
fbem-30059	112	19	the	the	DET
fbem-30059	112	20	2019	2019	NUM
fbem-30059	112	21	china	china	PROPN
fbem-30059	112	22	household	household	NOUN
fbem-30059	112	23	finance	finance	NOUN
fbem-30059	112	24	survey	survey	NOUN
fbem-30059	112	25	(	(	PUNCT
fbem-30059	112	26	chfs	chfs	PROPN
fbem-30059	112	27	)	)	PUNCT
fbem-30059	112	28	conducted	conduct	VERB
fbem-30059	112	29	by	by	ADP
fbem-30059	112	30	southwest	southwest	PROPN
fbem-30059	112	31	university	university	PROPN
fbem-30059	112	32	of	of	ADP
fbem-30059	112	33	finance	finance	NOUN
fbem-30059	112	34	and	and	CCONJ
fbem-30059	112	35	economics	economic	NOUN
fbem-30059	112	36	.	.	PUNCT
fbem-30059	113	1	the	the	DET
fbem-30059	113	2	double	double	ADJ
fbem-30059	113	3	selection	selection	NOUN
fbem-30059	113	4	lasso	lasso	NOUN
fbem-30059	113	5	logit	logit	PROPN
fbem-30059	113	6	model	model	NOUN
fbem-30059	113	7	is	be	AUX
fbem-30059	113	8	constructed	construct	VERB
fbem-30059	113	9	to	to	PART
fbem-30059	113	10	study	study	VERB
fbem-30059	113	11	the	the	DET
fbem-30059	113	12	relationship	relationship	NOUN
fbem-30059	113	13	between	between	ADP
fbem-30059	113	14	financial	financial	ADJ
fbem-30059	113	15	literacy	literacy	NOUN
fbem-30059	113	16	and	and	CCONJ
fbem-30059	113	17	financial	financial	ADJ
fbem-30059	113	18	fraud	fraud	NOUN
fbem-30059	113	19	,	,	PUNCT
fbem-30059	113	20	and	and	CCONJ
fbem-30059	113	21	mathematical	mathematical	ADJ
fbem-30059	113	22	arguments	argument	NOUN
fbem-30059	113	23	are	be	AUX
fbem-30059	113	24	introduced	introduce	VERB
fbem-30059	113	25	for	for	ADP
fbem-30059	113	26	further	further	ADJ
fbem-30059	113	27	analysis	analysis	NOUN
fbem-30059	113	28	of	of	ADP
fbem-30059	113	29	the	the	DET
fbem-30059	113	30	model	model	NOUN
fbem-30059	113	31	.	.	PUNCT
fbem-30059	114	1	through	through	ADP
fbem-30059	114	2	empirical	empirical	ADJ
fbem-30059	114	3	analysis	analysis	NOUN
fbem-30059	114	4	,	,	PUNCT
fbem-30059	114	5	the	the	DET
fbem-30059	114	6	following	follow	VERB
fbem-30059	114	7	conclusions	conclusion	NOUN
fbem-30059	114	8	can	can	AUX
fbem-30059	114	9	be	be	AUX
fbem-30059	114	10	drawn	draw	VERB
fbem-30059	114	11	:	:	PUNCT
fbem-30059	114	12	firstly	firstly	ADV
fbem-30059	114	13	,	,	PUNCT
fbem-30059	114	14	the	the	DET
fbem-30059	114	15	improvement	improvement	NOUN
fbem-30059	114	16	of	of	ADP
fbem-30059	114	17	residents	resident	NOUN
fbem-30059	114	18	'	'	PART
fbem-30059	114	19	financial	financial	ADJ
fbem-30059	114	20	literacy	literacy	NOUN
fbem-30059	114	21	can	can	AUX
fbem-30059	114	22	effectively	effectively	ADV
fbem-30059	114	23	reduce	reduce	VERB
fbem-30059	114	24	the	the	DET
fbem-30059	114	25	occurrence	occurrence	NOUN
fbem-30059	114	26	of	of	ADP
fbem-30059	114	27	financial	financial	ADJ
fbem-30059	114	28	fraud	fraud	NOUN
fbem-30059	114	29	,	,	PUNCT
fbem-30059	114	30	and	and	CCONJ
fbem-30059	114	31	personal	personal	ADJ
fbem-30059	114	32	characteristics	characteristic	NOUN
fbem-30059	114	33	of	of	ADP
fbem-30059	114	34	residents	resident	NOUN
fbem-30059	114	35	such	such	ADJ
fbem-30059	114	36	as	as	ADP
fbem-30059	114	37	age	age	NOUN
fbem-30059	114	38	,	,	PUNCT
fbem-30059	114	39	work	work	NOUN
fbem-30059	114	40	status	status	NOUN
fbem-30059	114	41	,	,	PUNCT
fbem-30059	114	42	political	political	ADJ
fbem-30059	114	43	affiliation	affiliation	NOUN
fbem-30059	114	44	,	,	PUNCT
fbem-30059	114	45	etc	etc	X
fbem-30059	114	46	.	.	X
fbem-30059	114	47	are	be	AUX
fbem-30059	114	48	important	important	ADJ
fbem-30059	114	49	factors	factor	NOUN
fbem-30059	114	50	affecting	affect	VERB
fbem-30059	114	51	whether	whether	SCONJ
fbem-30059	114	52	residents	resident	NOUN
fbem-30059	114	53	suffer	suffer	VERB
fbem-30059	114	54	from	from	ADP
fbem-30059	114	55	financial	financial	ADJ
fbem-30059	114	56	fraud	fraud	NOUN
fbem-30059	114	57	,	,	PUNCT
fbem-30059	114	58	and	and	CCONJ
fbem-30059	114	59	the	the	DET
fbem-30059	114	60	more	more	ADJ
fbem-30059	114	61	factors	factor	NOUN
fbem-30059	114	62	they	they	PRON
fbem-30059	114	63	have	have	VERB
fbem-30059	114	64	at	at	ADP
fbem-30059	114	65	the	the	DET
fbem-30059	114	66	same	same	ADJ
fbem-30059	114	67	time	time	NOUN
fbem-30059	114	68	,	,	PUNCT
fbem-30059	114	69	the	the	PRON
fbem-30059	114	70	stronger	strong	ADJ
fbem-30059	114	71	the	the	DET
fbem-30059	114	72	suppression	suppression	NOUN
fbem-30059	114	73	of	of	ADP
fbem-30059	114	74	financial	financial	ADJ
fbem-30059	114	75	fraud	fraud	NOUN
fbem-30059	114	76	.	.	PUNCT
fbem-30059	115	1	secondly	secondly	ADV
fbem-30059	115	2	,	,	PUNCT
fbem-30059	115	3	financial	financial	ADJ
fbem-30059	115	4	literacy	literacy	NOUN
fbem-30059	115	5	is	be	AUX
fbem-30059	115	6	not	not	PART
fbem-30059	115	7	necessarily	necessarily	ADV
fbem-30059	115	8	better	well	ADJ
fbem-30059	115	9	with	with	ADP
fbem-30059	115	10	higher	high	ADJ
fbem-30059	115	11	scores	score	NOUN
fbem-30059	115	12	.	.	PUNCT
fbem-30059	116	1	the	the	DET
fbem-30059	116	2	suppression	suppression	NOUN
fbem-30059	116	3	of	of	ADP
fbem-30059	116	4	financial	financial	ADJ
fbem-30059	116	5	fraud	fraud	NOUN
fbem-30059	116	6	is	be	AUX
fbem-30059	116	7	best	well	ADV
fbem-30059	116	8	achieved	achieve	VERB
fbem-30059	116	9	when	when	SCONJ
fbem-30059	116	10	the	the	DET
fbem-30059	116	11	literacy	literacy	NOUN
fbem-30059	116	12	score	score	NOUN
fbem-30059	116	13	reaches	reach	VERB
fbem-30059	116	14	17.04	17.04	NUM
fbem-30059	116	15	,	,	PUNCT
fbem-30059	116	16	and	and	CCONJ
fbem-30059	116	17	as	as	ADP
fbem-30059	116	18	the	the	DET
fbem-30059	116	19	score	score	NOUN
fbem-30059	116	20	increases	increase	NOUN
fbem-30059	116	21	,	,	PUNCT
fbem-30059	116	22	the	the	DET
fbem-30059	116	23	probability	probability	NOUN
fbem-30059	116	24	of	of	ADP
fbem-30059	116	25	being	be	AUX
fbem-30059	116	26	defrauded	defraud	VERB
fbem-30059	116	27	also	also	ADV
fbem-30059	116	28	slowly	slowly	ADV
fbem-30059	116	29	increases	increase	NOUN
fbem-30059	116	30	.	.	PUNCT
fbem-30059	117	1	based	base	VERB
fbem-30059	117	2	on	on	ADP
fbem-30059	117	3	the	the	DET
fbem-30059	117	4	above	above	ADJ
fbem-30059	117	5	research	research	NOUN
fbem-30059	117	6	conclusions	conclusion	NOUN
fbem-30059	117	7	,	,	PUNCT
fbem-30059	117	8	this	this	DET
fbem-30059	117	9	article	article	NOUN
fbem-30059	117	10	proposes	propose	VERB
fbem-30059	117	11	the	the	DET
fbem-30059	117	12	following	follow	VERB
fbem-30059	117	13	suggestions	suggestion	NOUN
fbem-30059	117	14	:	:	PUNCT
fbem-30059	117	15	firstly	firstly	ADV
fbem-30059	117	16	,	,	PUNCT
fbem-30059	117	17	it	it	PRON
fbem-30059	117	18	has	have	AUX
fbem-30059	117	19	been	be	AUX
fbem-30059	117	20	proven	prove	VERB
fbem-30059	117	21	that	that	SCONJ
fbem-30059	117	22	improving	improve	VERB
fbem-30059	117	23	residents	resident	NOUN
fbem-30059	117	24	'	'	PART
fbem-30059	117	25	financial	financial	ADJ
fbem-30059	117	26	literacy	literacy	NOUN
fbem-30059	117	27	can	can	AUX
fbem-30059	117	28	relatively	relatively	ADV
fbem-30059	117	29	reduce	reduce	VERB
fbem-30059	117	30	the	the	DET
fbem-30059	117	31	occurrence	occurrence	NOUN
fbem-30059	117	32	of	of	ADP
fbem-30059	117	33	financial	financial	ADJ
fbem-30059	117	34	fraud	fraud	NOUN
fbem-30059	117	35	.	.	PUNCT
fbem-30059	118	1	therefore	therefore	ADV
fbem-30059	118	2	,	,	PUNCT
fbem-30059	118	3	government	government	NOUN
fbem-30059	118	4	agencies	agency	NOUN
fbem-30059	118	5	should	should	AUX
fbem-30059	118	6	focus	focus	VERB
fbem-30059	118	7	68	68	NUM
fbem-30059	118	8	on	on	ADP
fbem-30059	118	9	improving	improve	VERB
fbem-30059	118	10	residents	resident	NOUN
fbem-30059	118	11	'	'	PART
fbem-30059	118	12	own	own	ADJ
fbem-30059	118	13	financial	financial	ADJ
fbem-30059	118	14	literacy	literacy	NOUN
fbem-30059	118	15	.	.	PUNCT
fbem-30059	119	1	firstly	firstly	ADV
fbem-30059	119	2	,	,	PUNCT
fbem-30059	119	3	it	it	PRON
fbem-30059	119	4	is	be	AUX
fbem-30059	119	5	necessary	necessary	ADJ
fbem-30059	119	6	to	to	PART
fbem-30059	119	7	enrich	enrich	VERB
fbem-30059	119	8	the	the	DET
fbem-30059	119	9	forms	form	NOUN
fbem-30059	119	10	of	of	ADP
fbem-30059	119	11	publicity	publicity	NOUN
fbem-30059	119	12	and	and	CCONJ
fbem-30059	119	13	increase	increase	VERB
fbem-30059	119	14	the	the	DET
fbem-30059	119	15	promotion	promotion	NOUN
fbem-30059	119	16	of	of	ADP
fbem-30059	119	17	daily	daily	ADJ
fbem-30059	119	18	anti	anti	ADJ
fbem-30059	119	19	-	-	ADJ
fbem-30059	119	20	fraud	fraud	ADJ
fbem-30059	119	21	knowledge	knowledge	NOUN
fbem-30059	119	22	.	.	PUNCT
fbem-30059	120	1	communities	community	NOUN
fbem-30059	120	2	and	and	CCONJ
fbem-30059	120	3	media	medium	NOUN
fbem-30059	120	4	need	need	VERB
fbem-30059	120	5	to	to	PART
fbem-30059	120	6	cooperate	cooperate	VERB
fbem-30059	120	7	with	with	ADP
fbem-30059	120	8	government	government	NOUN
fbem-30059	120	9	departments	department	NOUN
fbem-30059	120	10	to	to	PART
fbem-30059	120	11	strengthen	strengthen	VERB
fbem-30059	120	12	the	the	DET
fbem-30059	120	13	prevention	prevention	NOUN
fbem-30059	120	14	of	of	ADP
fbem-30059	120	15	financial	financial	ADJ
fbem-30059	120	16	fraud	fraud	NOUN
fbem-30059	120	17	through	through	ADP
fbem-30059	120	18	a	a	DET
fbem-30059	120	19	combination	combination	NOUN
fbem-30059	120	20	of	of	ADP
fbem-30059	120	21	online	online	ADJ
fbem-30059	120	22	and	and	CCONJ
fbem-30059	120	23	offline	offline	ADJ
fbem-30059	120	24	models	model	NOUN
fbem-30059	120	25	such	such	ADJ
fbem-30059	120	26	as	as	ADP
fbem-30059	120	27	television	television	NOUN
fbem-30059	120	28	advertising	advertising	NOUN
fbem-30059	120	29	,	,	PUNCT
fbem-30059	120	30	community	community	NOUN
fbem-30059	120	31	broadcasting	broadcasting	NOUN
fbem-30059	120	32	,	,	PUNCT
fbem-30059	120	33	and	and	CCONJ
fbem-30059	120	34	posting	post	VERB
fbem-30059	120	35	notices	notice	NOUN
fbem-30059	120	36	,	,	PUNCT
fbem-30059	120	37	and	and	CCONJ
fbem-30059	120	38	comprehensively	comprehensively	ADV
fbem-30059	120	39	create	create	VERB
fbem-30059	120	40	a	a	DET
fbem-30059	120	41	promotional	promotional	ADJ
fbem-30059	120	42	atmosphere	atmosphere	NOUN
fbem-30059	120	43	against	against	ADP
fbem-30059	120	44	financial	financial	ADJ
fbem-30059	120	45	fraud	fraud	NOUN
fbem-30059	120	46	.	.	PUNCT
fbem-30059	121	1	secondly	secondly	ADV
fbem-30059	121	2	,	,	PUNCT
fbem-30059	121	3	we	we	PRON
fbem-30059	121	4	need	need	VERB
fbem-30059	121	5	to	to	PART
fbem-30059	121	6	target	target	VERB
fbem-30059	121	7	key	key	ADJ
fbem-30059	121	8	groups	group	NOUN
fbem-30059	121	9	who	who	PRON
fbem-30059	121	10	lack	lack	VERB
fbem-30059	121	11	financial	financial	ADJ
fbem-30059	121	12	knowledge	knowledge	NOUN
fbem-30059	121	13	,	,	PUNCT
fbem-30059	121	14	such	such	ADJ
fbem-30059	121	15	as	as	ADP
fbem-30059	121	16	elderly	elderly	ADJ
fbem-30059	121	17	people	people	NOUN
fbem-30059	121	18	in	in	ADP
fbem-30059	121	19	rural	rural	ADJ
fbem-30059	121	20	areas	area	NOUN
fbem-30059	121	21	or	or	CCONJ
fbem-30059	121	22	young	young	ADJ
fbem-30059	121	23	people	people	NOUN
fbem-30059	121	24	who	who	PRON
fbem-30059	121	25	have	have	AUX
fbem-30059	121	26	just	just	ADV
fbem-30059	121	27	entered	enter	VERB
fbem-30059	121	28	society	society	NOUN
fbem-30059	121	29	,	,	PUNCT
fbem-30059	121	30	and	and	CCONJ
fbem-30059	121	31	position	position	VERB
fbem-30059	121	32	them	they	PRON
fbem-30059	121	33	as	as	ADP
fbem-30059	121	34	key	key	ADJ
fbem-30059	121	35	promotional	promotional	ADJ
fbem-30059	121	36	targets	target	NOUN
fbem-30059	121	37	.	.	PUNCT
fbem-30059	122	1	at	at	ADP
fbem-30059	122	2	present	present	ADJ
fbem-30059	122	3	,	,	PUNCT
fbem-30059	122	4	the	the	DET
fbem-30059	122	5	internet	internet	NOUN
fbem-30059	122	6	is	be	AUX
fbem-30059	122	7	the	the	DET
fbem-30059	122	8	main	main	ADJ
fbem-30059	122	9	medium	medium	NOUN
fbem-30059	122	10	for	for	ADP
fbem-30059	122	11	financial	financial	ADJ
fbem-30059	122	12	fraud	fraud	NOUN
fbem-30059	122	13	,	,	PUNCT
fbem-30059	122	14	so	so	SCONJ
fbem-30059	122	15	local	local	ADJ
fbem-30059	122	16	governments	government	NOUN
fbem-30059	122	17	should	should	AUX
fbem-30059	122	18	put	put	VERB
fbem-30059	122	19	the	the	DET
fbem-30059	122	20	target	target	NOUN
fbem-30059	122	21	group	group	NOUN
fbem-30059	122	22	of	of	ADP
fbem-30059	122	23	publicity	publicity	NOUN
fbem-30059	122	24	in	in	ADP
fbem-30059	122	25	an	an	DET
fbem-30059	122	26	appropriate	appropriate	ADJ
fbem-30059	122	27	position	position	NOUN
fbem-30059	122	28	to	to	PART
fbem-30059	122	29	improve	improve	VERB
fbem-30059	122	30	the	the	DET
fbem-30059	122	31	efficiency	efficiency	NOUN
fbem-30059	122	32	of	of	ADP
fbem-30059	122	33	publicity	publicity	NOUN
fbem-30059	122	34	.	.	PUNCT
fbem-30059	123	1	secondly	secondly	ADV
fbem-30059	123	2	,	,	PUNCT
fbem-30059	123	3	people	people	NOUN
fbem-30059	123	4	with	with	ADP
fbem-30059	123	5	high	high	ADJ
fbem-30059	123	6	financial	financial	ADJ
fbem-30059	123	7	literacy	literacy	NOUN
fbem-30059	123	8	need	need	VERB
fbem-30059	123	9	to	to	PART
fbem-30059	123	10	be	be	AUX
fbem-30059	123	11	particularly	particularly	ADV
fbem-30059	123	12	vigilant	vigilant	ADJ
fbem-30059	123	13	about	about	ADP
fbem-30059	123	14	financial	financial	ADJ
fbem-30059	123	15	fraud	fraud	NOUN
fbem-30059	123	16	.	.	PUNCT
fbem-30059	124	1	fraudsters	fraudster	NOUN
fbem-30059	124	2	often	often	ADV
fbem-30059	124	3	use	use	VERB
fbem-30059	124	4	financial	financial	ADJ
fbem-30059	124	5	confidence	confidence	NOUN
fbem-30059	124	6	to	to	PART
fbem-30059	124	7	design	design	VERB
fbem-30059	124	8	hidden	hide	VERB
fbem-30059	124	9	traps	trap	NOUN
fbem-30059	124	10	,	,	PUNCT
fbem-30059	124	11	such	such	ADJ
fbem-30059	124	12	as	as	ADP
fbem-30059	124	13	stock	stock	NOUN
fbem-30059	124	14	and	and	CCONJ
fbem-30059	124	15	fund	fund	NOUN
fbem-30059	124	16	schemes	scheme	NOUN
fbem-30059	124	17	targeting	target	VERB
fbem-30059	124	18	highly	highly	ADV
fbem-30059	124	19	educated	educate	VERB
fbem-30059	124	20	individuals	individual	NOUN
fbem-30059	124	21	,	,	PUNCT
fbem-30059	124	22	which	which	PRON
fbem-30059	124	23	can	can	AUX
fbem-30059	124	24	be	be	AUX
fbem-30059	124	25	difficult	difficult	ADJ
fbem-30059	124	26	to	to	PART
fbem-30059	124	27	prevent	prevent	VERB
fbem-30059	124	28	.	.	PUNCT
fbem-30059	125	1	to	to	PART
fbem-30059	125	2	cope	cope	VERB
fbem-30059	125	3	with	with	ADP
fbem-30059	125	4	this	this	DET
fbem-30059	125	5	situation	situation	NOUN
fbem-30059	125	6	,	,	PUNCT
fbem-30059	125	7	high	high	ADJ
fbem-30059	125	8	-	-	PUNCT
fbem-30059	125	9	quality	quality	NOUN
fbem-30059	125	10	individuals	individual	NOUN
fbem-30059	125	11	should	should	AUX
fbem-30059	125	12	carefully	carefully	ADV
fbem-30059	125	13	identify	identify	VERB
fbem-30059	125	14	the	the	DET
fbem-30059	125	15	content	content	NOUN
fbem-30059	125	16	of	of	ADP
fbem-30059	125	17	information	information	NOUN
fbem-30059	125	18	and	and	CCONJ
fbem-30059	125	19	not	not	PART
fbem-30059	125	20	act	act	VERB
fbem-30059	125	21	blindly	blindly	ADV
fbem-30059	125	22	around	around	ADP
fbem-30059	125	23	individuals	individual	NOUN
fbem-30059	125	24	.	.	PUNCT
fbem-30059	126	1	when	when	SCONJ
fbem-30059	126	2	facing	face	VERB
fbem-30059	126	3	financial	financial	ADJ
fbem-30059	126	4	temptations	temptation	NOUN
fbem-30059	126	5	,	,	PUNCT
fbem-30059	126	6	it	it	PRON
fbem-30059	126	7	is	be	AUX
fbem-30059	126	8	necessary	necessary	ADJ
fbem-30059	126	9	to	to	PART
fbem-30059	126	10	make	make	VERB
fbem-30059	126	11	cautious	cautious	ADJ
fbem-30059	126	12	judgments	judgment	NOUN
fbem-30059	126	13	and	and	CCONJ
fbem-30059	126	14	analyze	analyze	VERB
fbem-30059	126	15	carefully	carefully	ADV
fbem-30059	126	16	in	in	ADP
fbem-30059	126	17	order	order	NOUN
fbem-30059	126	18	to	to	PART
fbem-30059	126	19	avoid	avoid	VERB
fbem-30059	126	20	falling	fall	VERB
fbem-30059	126	21	into	into	ADP
fbem-30059	126	22	traps	trap	NOUN
fbem-30059	126	23	.	.	PUNCT
fbem-30059	127	1	references	reference	NOUN
fbem-30059	127	2	[	[	X
fbem-30059	127	3	1	1	X
fbem-30059	127	4	]	]	X
fbem-30059	127	5	lei	lei	X
fbem-30059	127	6	hanyun	hanyun	NOUN
fbem-30059	127	7	and	and	CCONJ
fbem-30059	127	8	du	du	PROPN
fbem-30059	127	9	xiaoyan	xiaoyan	PROPN
fbem-30059	127	10	's	's	PART
fbem-30059	127	11	"	"	PUNCT
fbem-30059	127	12	financial	financial	ADJ
fbem-30059	127	13	literacy	literacy	NOUN
fbem-30059	127	14	,	,	PUNCT
fbem-30059	127	15	financial	financial	ADJ
fbem-30059	127	16	regulation	regulation	NOUN
fbem-30059	127	17	,	,	PUNCT
fbem-30059	127	18	and	and	CCONJ
fbem-30059	127	19	financial	financial	ADJ
fbem-30059	127	20	fraud	fraud	NOUN
fbem-30059	127	21	"	"	PUNCT
fbem-30059	127	22	.	.	PUNCT
fbem-30059	128	1	[	[	X
fbem-30059	128	2	2	2	NUM
fbem-30059	128	3	]	]	PUNCT
fbem-30059	128	4	su	su	PROPN
fbem-30059	128	5	jie	jie	PROPN
fbem-30059	128	6	's	's	PART
fbem-30059	128	7	"	"	PUNCT
fbem-30059	128	8	technology	technology	NOUN
fbem-30059	128	9	countermeasures	countermeasure	NOUN
fbem-30059	128	10	against	against	ADP
fbem-30059	128	11	financial	financial	ADJ
fbem-30059	128	12	fraud	fraud	NOUN
fbem-30059	128	13	"	"	PUNCT
fbem-30059	128	14	.	.	PUNCT
fbem-30059	129	1	[	[	X
fbem-30059	129	2	3	3	X
fbem-30059	129	3	]	]	X
fbem-30059	129	4	lei	lei	X
fbem-30059	129	5	xiaoyan	xiaoyan	PROPN
fbem-30059	129	6	,	,	PUNCT
fbem-30059	129	7	shen	shen	PROPN
fbem-30059	129	8	yan	yan	PROPN
fbem-30059	129	9	,	,	PUNCT
fbem-30059	129	10	yang	yang	PROPN
fbem-30059	129	11	ling	ling	PROPN
fbem-30059	129	12	,	,	PUNCT
fbem-30059	129	13	research	research	NOUN
fbem-30059	129	14	on	on	ADP
fbem-30059	129	15	the	the	DET
fbem-30059	129	16	fraud	fraud	NOUN
fbem-30059	129	17	of	of	ADP
fbem-30059	129	18	chinese	chinese	ADJ
fbem-30059	129	19	elderly	elderly	ADJ
fbem-30059	129	20	people	people	NOUN
fbem-30059	129	21	in	in	ADP
fbem-30059	129	22	the	the	DET
fbem-30059	129	23	digital	digital	ADJ
fbem-30059	129	24	age	age	NOUN
fbem-30059	129	25	-the	-the	DET
fbem-30059	129	26	role	role	NOUN
fbem-30059	129	27	of	of	ADP
fbem-30059	129	28	the	the	DET
fbem-30059	129	29	internet	internet	NOUN
fbem-30059	129	30	and	and	CCONJ
fbem-30059	129	31	digital	digital	ADJ
fbem-30059	129	32	inclusive	inclusive	ADJ
fbem-30059	129	33	finance	finance	NOUN
fbem-30059	129	34	.	.	PUNCT
fbem-30059	130	1	[	[	X
fbem-30059	130	2	4	4	NUM
fbem-30059	130	3	]	]	X
fbem-30059	130	4	li	li	PROPN
fbem-30059	130	5	yuanyuan	yuanyuan	PROPN
fbem-30059	130	6	and	and	CCONJ
fbem-30059	130	7	zhang	zhang	PROPN
fbem-30059	130	8	chunlei	chunlei	PROPN
fbem-30059	130	9	follow	follow	PROPN
fbem-30059	130	10	li	li	PROPN
fbem-30059	130	11	rui	rui	PROPN
fbem-30059	130	12	's	's	PART
fbem-30059	130	13	research	research	NOUN
fbem-30059	130	14	on	on	ADP
fbem-30059	130	15	the	the	DET
fbem-30059	130	16	role	role	NOUN
fbem-30059	130	17	of	of	ADP
fbem-30059	130	18	residents	resident	NOUN
fbem-30059	130	19	'	'	PART
fbem-30059	130	20	financial	financial	ADJ
fbem-30059	130	21	literacy	literacy	NOUN
fbem-30059	130	22	in	in	ADP
fbem-30059	130	23	preventing	prevent	VERB
fbem-30059	130	24	financial	financial	ADJ
fbem-30059	130	25	fraud	fraud	NOUN
fbem-30059	130	26	risks	risk	NOUN
fbem-30059	130	27	:	:	PUNCT
fbem-30059	130	28	an	an	DET
fbem-30059	130	29	analysis	analysis	NOUN
fbem-30059	130	30	of	of	ADP
fbem-30059	130	31	the	the	DET
fbem-30059	130	32	mediating	mediate	VERB
fbem-30059	130	33	effect	effect	NOUN
fbem-30059	130	34	of	of	ADP
fbem-30059	130	35	risk	risk	NOUN
fbem-30059	130	36	preference	preference	NOUN
fbem-30059	130	37	.	.	PUNCT
fbem-30059	131	1	[	[	X
fbem-30059	131	2	5	5	X
fbem-30059	131	3	]	]	PUNCT
fbem-30059	131	4	zhou	zhou	PROPN
fbem-30059	131	5	xiqing	xiqing	PROPN
fbem-30059	131	6	's	's	PART
fbem-30059	131	7	"	"	PUNCT
fbem-30059	131	8	analysis	analysis	NOUN
fbem-30059	131	9	of	of	ADP
fbem-30059	131	10	illegal	illegal	ADJ
fbem-30059	131	11	financial	financial	ADJ
fbem-30059	131	12	activities	activity	NOUN
fbem-30059	131	13	and	and	CCONJ
fbem-30059	131	14	money	money	NOUN
fbem-30059	131	15	laundering	launder	VERB
fbem-30059	131	16	risks	risk	NOUN
fbem-30059	131	17	in	in	ADP
fbem-30059	131	18	elderly	elderly	ADJ
fbem-30059	131	19	care	care	NOUN
fbem-30059	131	20	fraud	fraud	NOUN
fbem-30059	131	21	"	"	PUNCT
fbem-30059	131	22	.	.	PUNCT