id	sid	tid	token	lemma	pos
fbem-32826	1	1	frontiers	frontier	NOUN
fbem-32826	1	2	in	in	ADP
fbem-32826	1	3	business	business	NOUN
fbem-32826	1	4	,	,	PUNCT
fbem-32826	1	5	economics	economic	NOUN
fbem-32826	1	6	and	and	CCONJ
fbem-32826	1	7	management	management	NOUN
fbem-32826	1	8	issn	issn	PROPN
fbem-32826	1	9	:	:	PUNCT
fbem-32826	1	10	2766	2766	NUM
fbem-32826	1	11	-	-	PUNCT
fbem-32826	1	12	824x	824x	NUM
fbem-32826	1	13	|	|	ADJ
fbem-32826	1	14	vol	vol	NOUN
fbem-32826	1	15	.	.	PROPN
fbem-32826	1	16	21	21	NUM
fbem-32826	1	17	,	,	PUNCT
fbem-32826	1	18	no	no	INTJ
fbem-32826	1	19	.	.	NOUN
fbem-32826	1	20	3	3	NUM
fbem-32826	1	21	,	,	PUNCT
fbem-32826	1	22	2025	2025	NUM
fbem-32826	1	23	7	7	NUM
fbem-32826	1	24	applications	application	NOUN
fbem-32826	1	25	of	of	ADP
fbem-32826	1	26	data	datum	NOUN
fbem-32826	1	27	analysis	analysis	NOUN
fbem-32826	1	28	in	in	ADP
fbem-32826	1	29	risk	risk	NOUN
fbem-32826	1	30	control	control	NOUN
fbem-32826	1	31	under	under	ADP
fbem-32826	1	32	the	the	DET
fbem-32826	1	33	background	background	NOUN
fbem-32826	1	34	of	of	ADP
fbem-32826	1	35	financial	financial	ADJ
fbem-32826	1	36	science	science	NOUN
fbem-32826	1	37	and	and	CCONJ
fbem-32826	1	38	technology	technology	NOUN
fbem-32826	1	39	yi	yi	PROPN
fbem-32826	1	40	lu	lu	PROPN
fbem-32826	1	41	school	school	PROPN
fbem-32826	1	42	of	of	ADP
fbem-32826	1	43	carey	carey	PROPN
fbem-32826	1	44	business	business	PROPN
fbem-32826	1	45	,	,	PUNCT
fbem-32826	1	46	johns	johns	PROPN
fbem-32826	1	47	hopkins	hopkins	PROPN
fbem-32826	1	48	university	university	PROPN
fbem-32826	1	49	,	,	PUNCT
fbem-32826	1	50	washington	washington	PROPN
fbem-32826	1	51	,	,	PUNCT
fbem-32826	1	52	20001	20001	NUM
fbem-32826	1	53	,	,	PUNCT
fbem-32826	1	54	usa	usa	PROPN
fbem-32826	1	55	abstract	abstract	NOUN
fbem-32826	1	56	:	:	PUNCT
fbem-32826	1	57	in	in	ADP
fbem-32826	1	58	the	the	DET
fbem-32826	1	59	context	context	NOUN
fbem-32826	1	60	of	of	ADP
fbem-32826	1	61	the	the	DET
fbem-32826	1	62	rapid	rapid	ADJ
fbem-32826	1	63	development	development	NOUN
fbem-32826	1	64	of	of	ADP
fbem-32826	1	65	financial	financial	ADJ
fbem-32826	1	66	technology	technology	NOUN
fbem-32826	1	67	,	,	PUNCT
fbem-32826	1	68	the	the	DET
fbem-32826	1	69	traditional	traditional	ADJ
fbem-32826	1	70	risk	risk	NOUN
fbem-32826	1	71	control	control	NOUN
fbem-32826	1	72	model	model	NOUN
fbem-32826	1	73	is	be	AUX
fbem-32826	1	74	facing	face	VERB
fbem-32826	1	75	new	new	ADJ
fbem-32826	1	76	challenges	challenge	NOUN
fbem-32826	1	77	.	.	PUNCT
fbem-32826	2	1	the	the	DET
fbem-32826	2	2	purpose	purpose	NOUN
fbem-32826	2	3	of	of	ADP
fbem-32826	2	4	this	this	DET
fbem-32826	2	5	paper	paper	NOUN
fbem-32826	2	6	is	be	AUX
fbem-32826	2	7	to	to	PART
fbem-32826	2	8	explore	explore	VERB
fbem-32826	2	9	how	how	SCONJ
fbem-32826	2	10	data	datum	NOUN
fbem-32826	2	11	analysis	analysis	NOUN
fbem-32826	2	12	technology	technology	NOUN
fbem-32826	2	13	plays	play	VERB
fbem-32826	2	14	a	a	DET
fbem-32826	2	15	key	key	ADJ
fbem-32826	2	16	role	role	NOUN
fbem-32826	2	17	in	in	ADP
fbem-32826	2	18	the	the	DET
fbem-32826	2	19	field	field	NOUN
fbem-32826	2	20	of	of	ADP
fbem-32826	2	21	financial	financial	ADJ
fbem-32826	2	22	r	r	NOUN
fbem-32826	2	23	isk	isk	NOUN
fbem-32826	2	24	control	control	NOUN
fbem-32826	2	25	.	.	PUNCT
fbem-32826	3	1	the	the	DET
fbem-32826	3	2	article	article	NOUN
fbem-32826	3	3	first	first	ADV
fbem-32826	3	4	elaborated	elaborate	VERB
fbem-32826	3	5	the	the	DET
fbem-32826	3	6	financial	financial	ADJ
fbem-32826	3	7	risk	risk	NOUN
fbem-32826	3	8	control	control	NOUN
fbem-32826	3	9	connotation	connotation	NOUN
fbem-32826	3	10	and	and	CCONJ
fbem-32826	3	11	the	the	DET
fbem-32826	3	12	credit	credit	NOUN
fbem-32826	3	13	risk	risk	NOUN
fbem-32826	3	14	,	,	PUNCT
fbem-32826	3	15	the	the	DET
fbem-32826	3	16	market	market	NOUN
fbem-32826	3	17	risk	risk	NOUN
fbem-32826	3	18	,	,	PUNCT
fbem-32826	3	19	the	the	DET
fbem-32826	3	20	operation	operation	NOUN
fbem-32826	3	21	risk	risk	NOUN
fbem-32826	3	22	and	and	CCONJ
fbem-32826	3	23	so	so	ADV
fbem-32826	3	24	on	on	ADP
fbem-32826	3	25	main	main	ADJ
fbem-32826	3	26	type	type	NOUN
fbem-32826	3	27	.	.	PUNCT
fbem-32826	4	1	the	the	DET
fbem-32826	4	2	specific	specific	ADJ
fbem-32826	4	3	application	application	NOUN
fbem-32826	4	4	status	status	NOUN
fbem-32826	4	5	of	of	ADP
fbem-32826	4	6	data	datum	NOUN
fbem-32826	4	7	analysis	analysis	NOUN
fbem-32826	4	8	in	in	ADP
fbem-32826	4	9	the	the	DET
fbem-32826	4	10	above	above	ADJ
fbem-32826	4	11	three	three	NUM
fbem-32826	4	12	types	type	NOUN
fbem-32826	4	13	of	of	ADP
fbem-32826	4	14	risk	risk	NOUN
fbem-32826	4	15	control	control	NOUN
fbem-32826	4	16	is	be	AUX
fbem-32826	4	17	analyzed	analyze	VERB
fbem-32826	4	18	,	,	PUNCT
fbem-32826	4	19	a	a	DET
fbem-32826	4	20	nd	nd	ADP
fbem-32826	4	21	the	the	DET
fbem-32826	4	22	core	core	NOUN
fbem-32826	4	23	value	value	NOUN
fbem-32826	4	24	of	of	ADP
fbem-32826	4	25	its	its	PRON
fbem-32826	4	26	transformation	transformation	NOUN
fbem-32826	4	27	from	from	ADP
fbem-32826	4	28	passive	passive	ADJ
fbem-32826	4	29	response	response	NOUN
fbem-32826	4	30	to	to	ADP
fbem-32826	4	31	active	active	ADJ
fbem-32826	4	32	prevention	prevention	NOUN
fbem-32826	4	33	is	be	AUX
fbem-32826	4	34	revealed	reveal	VERB
fbem-32826	4	35	.	.	PUNCT
fbem-32826	5	1	in	in	ADP
fbem-32826	5	2	view	view	NOUN
fbem-32826	5	3	of	of	ADP
fbem-32826	5	4	the	the	DET
fbem-32826	5	5	bottleneck	bottleneck	NOUN
fbem-32826	5	6	in	in	ADP
fbem-32826	5	7	the	the	DET
fbem-32826	5	8	curren	curren	PROPN
fbem-32826	5	9	t	t	PROPN
fbem-32826	5	10	application	application	NOUN
fbem-32826	5	11	,	,	PUNCT
fbem-32826	5	12	this	this	DET
fbem-32826	5	13	paper	paper	NOUN
fbem-32826	5	14	puts	put	VERB
fbem-32826	5	15	forward	forward	ADV
fbem-32826	5	16	the	the	DET
fbem-32826	5	17	optimization	optimization	NOUN
fbem-32826	5	18	path	path	NOUN
fbem-32826	5	19	suggestions	suggestion	NOUN
fbem-32826	5	20	from	from	ADP
fbem-32826	5	21	three	three	NUM
fbem-32826	5	22	dimensions	dimension	NOUN
fbem-32826	5	23	:	:	PUNCT
fbem-32826	5	24	improving	improve	VERB
fbem-32826	5	25	the	the	DET
fbem-32826	5	26	data	data	NOUN
fbem-32826	5	27	governance	governance	NOUN
fbem-32826	5	28	system	system	NOUN
fbem-32826	5	29	,	,	PUNCT
fbem-32826	5	30	strengthening	strengthen	VERB
fbem-32826	5	31	technological	technological	ADJ
fbem-32826	5	32	innovation	innovation	NOUN
fbem-32826	5	33	,	,	PUNCT
fbem-32826	5	34	and	and	CCONJ
fbem-32826	5	35	strengthening	strengthen	VERB
fbem-32826	5	36	personnel	personnel	NOUN
fbem-32826	5	37	training	training	NOUN
fbem-32826	5	38	.	.	PUNCT
fbem-32826	6	1	deep	deep	ADJ
fbem-32826	6	2	integration	integration	NOUN
fbem-32826	6	3	of	of	ADP
fbem-32826	6	4	data	datum	NOUN
fbem-32826	6	5	analysis	analysis	NOUN
fbem-32826	6	6	technology	technology	NOUN
fbem-32826	6	7	is	be	AUX
fbem-32826	6	8	an	an	DET
fbem-32826	6	9	inevitable	inevitable	ADJ
fbem-32826	6	10	choice	choice	NOUN
fbem-32826	6	11	for	for	SCONJ
fbem-32826	6	12	financial	financial	ADJ
fbem-32826	6	13	institutions	institution	NOUN
fbem-32826	6	14	to	to	PART
fbem-32826	6	15	build	build	VERB
fbem-32826	6	16	an	an	DET
fbem-32826	6	17	intelligent	intelligent	ADJ
fbem-32826	6	18	and	and	CCONJ
fbem-32826	6	19	forward	forward	ADV
fbem-32826	6	20	-looking	-looke	VERB
fbem-32826	6	21	wind	wind	NOUN
fbem-32826	6	22	control	control	NOUN
fbem-32826	6	23	system	system	NOUN
fbem-32826	6	24	and	and	CCONJ
fbem-32826	6	25	enhance	enhance	VERB
fbem-32826	6	26	their	their	PRON
fbem-32826	6	27	core	core	NOUN
fbem-32826	6	28	competitiveness	competitiveness	NOUN
fbem-32826	6	29	.	.	PUNCT
fbem-32826	7	1	keywords	keyword	NOUN
fbem-32826	7	2	:	:	PUNCT
fbem-32826	7	3	risk	risk	NOUN
fbem-32826	7	4	control	control	NOUN
fbem-32826	7	5	;	;	PUNCT
fbem-32826	7	6	fintech	fintech	NOUN
fbem-32826	7	7	;	;	PUNCT
fbem-32826	7	8	data	datum	NOUN
fbem-32826	7	9	analysis	analysis	NOUN
fbem-32826	7	10	;	;	PUNCT
fbem-32826	7	11	data	data	NOUN
fbem-32826	7	12	technology	technology	NOUN
fbem-32826	7	13	.	.	PUNCT
fbem-32826	8	1	1	1	X
fbem-32826	8	2	.	.	X
fbem-32826	8	3	introduction	introduction	NOUN
fbem-32826	8	4	under	under	ADP
fbem-32826	8	5	the	the	DET
fbem-32826	8	6	background	background	NOUN
fbem-32826	8	7	of	of	ADP
fbem-32826	8	8	the	the	DET
fbem-32826	8	9	deep	deep	ADJ
fbem-32826	8	10	integration	integration	NOUN
fbem-32826	8	11	of	of	ADP
fbem-32826	8	12	finance	finance	NOUN
fbem-32826	8	13	and	and	CCONJ
fbem-32826	8	14	science	science	NOUN
fbem-32826	8	15	and	and	CCONJ
fbem-32826	8	16	technology	technology	NOUN
fbem-32826	8	17	,	,	PUNCT
fbem-32826	8	18	the	the	DET
fbem-32826	8	19	rapid	rapid	ADJ
fbem-32826	8	20	development	development	NOUN
fbem-32826	8	21	of	of	ADP
fbem-32826	8	22	financial	financial	ADJ
fbem-32826	8	23	science	science	NOUN
fbem-32826	8	24	and	and	CCONJ
fbem-32826	8	25	technology	technology	NOUN
fbem-32826	8	26	is	be	AUX
fbem-32826	8	27	profoundly	profoundly	ADV
fbem-32826	8	28	reshaping	reshape	VERB
fbem-32826	8	29	the	the	DET
fbem-32826	8	30	ecological	ecological	ADJ
fbem-32826	8	31	pattern	pattern	NOUN
fbem-32826	8	32	and	and	CCONJ
fbem-32826	8	33	service	service	NOUN
fbem-32826	8	34	mode	mode	NOUN
fbem-32826	8	35	of	of	ADP
fbem-32826	8	36	traditional	traditional	ADJ
fbem-32826	8	37	financial	financial	ADJ
fbem-32826	8	38	industry	industry	NOUN
fbem-32826	8	39	.	.	PUNCT
fbem-32826	9	1	this	this	DET
fbem-32826	9	2	change	change	NOUN
fbem-32826	9	3	not	not	PART
fbem-32826	9	4	only	only	ADV
fbem-32826	9	5	improves	improve	VERB
fbem-32826	9	6	the	the	DET
fbem-32826	9	7	efficiency	efficiency	NOUN
fbem-32826	9	8	and	and	CCONJ
fbem-32826	9	9	inclusiveness	inclusiveness	NOUN
fbem-32826	9	10	of	of	ADP
fbem-32826	9	11	financial	financial	ADJ
fbem-32826	9	12	services	service	NOUN
fbem-32826	9	13	,	,	PUNCT
fbem-32826	9	14	but	but	CCONJ
fbem-32826	9	15	also	also	ADV
fbem-32826	9	16	makes	make	VERB
fbem-32826	9	17	financial	financial	ADJ
fbem-32826	9	18	risks	risk	NOUN
fbem-32826	9	19	show	show	VERB
fbem-32826	9	20	new	new	ADJ
fbem-32826	9	21	characteristics	characteristic	NOUN
fbem-32826	9	22	of	of	ADP
fbem-32826	9	23	stronger	strong	ADJ
fbem-32826	9	24	concealment	concealment	NOUN
fbem-32826	9	25	,	,	PUNCT
fbem-32826	9	26	faster	fast	ADJ
fbem-32826	9	27	dissemination	dissemination	NOUN
fbem-32826	9	28	and	and	CCONJ
fbem-32826	9	29	higher	high	ADJ
fbem-32826	9	30	correlation	correlation	NOUN
fbem-32826	9	31	,	,	PUNCT
fbem-32826	9	32	which	which	PRON
fbem-32826	9	33	poses	pose	VERB
fbem-32826	9	34	a	a	DET
fbem-32826	9	35	serious	serious	ADJ
fbem-32826	9	36	challenge	challenge	NOUN
fbem-32826	9	37	to	to	ADP
fbem-32826	9	38	the	the	DET
fbem-32826	9	39	traditional	traditional	ADJ
fbem-32826	9	40	risk	risk	NOUN
fbem-32826	9	41	con	con	PROPN
fbem-32826	9	42	trol	trol	PROPN
fbem-32826	9	43	model	model	PROPN
fbem-32826	9	44	.	.	PUNCT
fbem-32826	10	1	in	in	ADP
fbem-32826	10	2	this	this	DET
fbem-32826	10	3	context	context	NOUN
fbem-32826	10	4	,	,	PUNCT
fbem-32826	10	5	how	how	SCONJ
fbem-32826	10	6	to	to	PART
fbem-32826	10	7	effectively	effectively	ADV
fbem-32826	10	8	use	use	VERB
fbem-32826	10	9	advanced	advanced	ADJ
fbem-32826	10	10	data	datum	NOUN
fbem-32826	10	11	analysis	analysis	NOUN
fbem-32826	10	12	technology	technology	NOUN
fbem-32826	10	13	to	to	PART
fbem-32826	10	14	identify	identify	VERB
fbem-32826	10	15	,	,	PUNCT
fbem-32826	10	16	measure	measure	NOUN
fbem-32826	10	17	,	,	PUNCT
fbem-32826	10	18	monitor	monitor	VERB
fbem-32826	10	19	and	and	CCONJ
fbem-32826	10	20	manage	manage	VERB
fbem-32826	10	21	risks	risk	NOUN
fbem-32826	10	22	has	have	AUX
fbem-32826	10	23	become	become	VERB
fbem-32826	10	24	a	a	DET
fbem-32826	10	25	key	key	ADJ
fbem-32826	10	26	issue	issue	NOUN
fbem-32826	10	27	for	for	SCONJ
fbem-32826	10	28	financial	financial	ADJ
fbem-32826	10	29	institutions	institution	NOUN
fbem-32826	10	30	to	to	PART
fbem-32826	10	31	enhance	enhance	VERB
fbem-32826	10	32	their	their	PRON
fbem-32826	10	33	core	core	NOUN
fbem-32826	10	34	competitiveness	competitiveness	NOUN
fbem-32826	10	35	and	and	CCONJ
fbem-32826	10	36	achieve	achieve	VERB
fbem-32826	10	37	sound	sound	ADJ
fbem-32826	10	38	operation	operation	NOUN
fbem-32826	10	39	[	[	X
fbem-32826	10	40	1	1	NUM
fbem-32826	10	41	]	]	PUNCT
fbem-32826	10	42	.	.	PUNCT
fbem-32826	11	1	as	as	ADP
fbem-32826	11	2	one	one	NUM
fbem-32826	11	3	of	of	ADP
fbem-32826	11	4	the	the	DET
fbem-32826	11	5	core	core	NOUN
fbem-32826	11	6	driving	drive	VERB
fbem-32826	11	7	forces	force	NOUN
fbem-32826	11	8	of	of	ADP
fbem-32826	11	9	financial	financial	ADJ
fbem-32826	11	10	technology	technology	NOUN
fbem-32826	11	11	,	,	PUNCT
fbem-32826	11	12	the	the	DET
fbem-32826	11	13	value	value	NOUN
fbem-32826	11	14	of	of	ADP
fbem-32826	11	15	data	datum	NOUN
fbem-32826	11	16	analysis	analysis	NOUN
fbem-32826	11	17	lies	lie	VERB
fbem-32826	11	18	in	in	ADP
fbem-32826	11	19	its	its	PRON
fbem-32826	11	20	ability	ability	NOUN
fbem-32826	11	21	to	to	PART
fbem-32826	11	22	extract	extract	VERB
fbem-32826	11	23	valuable	valuable	ADJ
fbem-32826	11	24	information	information	NOUN
fbem-32826	11	25	and	and	CCONJ
fbem-32826	11	26	insights	insight	NOUN
fbem-32826	11	27	from	from	ADP
fbem-32826	11	28	massive	massive	ADJ
fbem-32826	11	29	,	,	PUNCT
fbem-32826	11	30	multi	multi	ADJ
fbem-32826	11	31	-	-	ADJ
fbem-32826	11	32	dimensional	dimensional	ADJ
fbem-32826	11	33	and	and	CCONJ
fbem-32826	11	34	real	real	ADJ
fbem-32826	11	35	-	-	PUNCT
fbem-32826	11	36	time	time	NOUN
fbem-32826	11	37	data	datum	NOUN
fbem-32826	11	38	,	,	PUNCT
fbem-32826	11	39	thus	thus	ADV
fbem-32826	11	40	providing	provide	VERB
fbem-32826	11	41	more	more	ADV
fbem-32826	11	42	accurate	accurate	ADJ
fbem-32826	11	43	and	and	CCONJ
fbem-32826	11	44	forward	forward	ADV
fbem-32826	11	45	-looking	-looke	VERB
fbem-32826	11	46	support	support	NOUN
fbem-32826	11	47	for	for	ADP
fbem-32826	11	48	risk	risk	NOUN
fbem-32826	11	49	decision	decision	NOUN
fbem-32826	11	50	-	-	PUNCT
fbem-32826	11	51	making	making	NOUN
fbem-32826	11	52	.	.	PUNCT
fbem-32826	12	1	2	2	X
fbem-32826	12	2	.	.	X
fbem-32826	12	3	connotation	connotation	NOUN
fbem-32826	12	4	and	and	CCONJ
fbem-32826	12	5	main	main	ADJ
fbem-32826	12	6	types	type	NOUN
fbem-32826	12	7	of	of	ADP
fbem-32826	12	8	financial	financial	ADJ
fbem-32826	12	9	risk	risk	NOUN
fbem-32826	12	10	control	control	NOUN
fbem-32826	12	11	financial	financial	ADJ
fbem-32826	12	12	risk	risk	NOUN
fbem-32826	12	13	control	control	NOUN
fbem-32826	12	14	is	be	AUX
fbem-32826	12	15	the	the	DET
fbem-32826	12	16	core	core	NOUN
fbem-32826	12	17	link	link	NOUN
fbem-32826	12	18	in	in	ADP
fbem-32826	12	19	the	the	DET
fbem-32826	12	20	management	management	NOUN
fbem-32826	12	21	activities	activity	NOUN
fbem-32826	12	22	of	of	ADP
fbem-32826	12	23	financial	financial	ADJ
fbem-32826	12	24	institutions	institution	NOUN
fbem-32826	12	25	.	.	PUNCT
fbem-32826	13	1	its	its	PRON
fbem-32826	13	2	fundamental	fundamental	ADJ
fbem-32826	13	3	goal	goal	NOUN
fbem-32826	13	4	is	be	AUX
fbem-32826	13	5	to	to	PART
fbem-32826	13	6	identify	identify	VERB
fbem-32826	13	7	,	,	PUNCT
fbem-32826	13	8	evaluate	evaluate	VERB
fbem-32826	13	9	,	,	PUNCT
fbem-32826	13	10	monitor	monitor	VERB
fbem-32826	13	11	and	and	CCONJ
fbem-32826	13	12	manage	manage	VERB
fbem-32826	13	13	the	the	DET
fbem-32826	13	14	uncertainties	uncertainty	NOUN
fbem-32826	13	15	faced	face	VERB
fbem-32826	13	16	in	in	ADP
fbem-32826	13	17	the	the	DET
fbem-32826	13	18	process	process	NOUN
fbem-32826	13	19	of	of	ADP
fbem-32826	13	20	operation	operation	NOUN
fbem-32826	13	21	through	through	ADP
fbem-32826	13	22	a	a	DET
fbem-32826	13	23	series	series	NOUN
fbem-32826	13	24	of	of	ADP
fbem-32826	13	25	systems	system	NOUN
fbem-32826	13	26	,	,	PUNCT
fbem-32826	13	27	methods	method	NOUN
fbem-32826	13	28	and	and	CCONJ
fbem-32826	13	29	technologies	technology	NOUN
fbem-32826	13	30	,	,	PUNCT
fbem-32826	13	31	aiming	aim	VERB
fbem-32826	13	32	at	at	ADP
fbem-32826	13	33	minimizing	minimize	VERB
fbem-32826	13	34	potential	potential	ADJ
fbem-32826	13	35	losses	loss	NOUN
fbem-32826	13	36	and	and	CCONJ
fbem-32826	13	37	ensuring	ensure	VERB
fbem-32826	13	38	the	the	DET
fbem-32826	13	39	stable	stable	ADJ
fbem-32826	13	40	operation	operation	NOUN
fbem-32826	13	41	of	of	ADP
fbem-32826	13	42	institutions	institution	NOUN
fbem-32826	13	43	and	and	CCONJ
fbem-32826	13	44	the	the	DET
fbem-32826	13	45	safety	safety	NOUN
fbem-32826	13	46	of	of	ADP
fbem-32826	13	47	assets	asset	NOUN
fbem-32826	13	48	[	[	X
fbem-32826	13	49	2	2	NUM
fbem-32826	13	50	]	]	PUNCT
fbem-32826	13	51	.	.	PUNCT
fbem-32826	14	1	in	in	ADP
fbem-32826	14	2	the	the	DET
fbem-32826	14	3	modern	modern	ADJ
fbem-32826	14	4	financial	financial	ADJ
fbem-32826	14	5	system	system	NOUN
fbem-32826	14	6	,	,	PUNCT
fbem-32826	14	7	effective	effective	ADJ
fbem-32826	14	8	risk	risk	NOUN
fbem-32826	14	9	control	control	NOUN
fbem-32826	14	10	is	be	AUX
fbem-32826	14	11	not	not	PART
fbem-32826	14	12	only	only	ADV
fbem-32826	14	13	the	the	DET
fbem-32826	14	14	cornerstone	cornerstone	NOUN
fbem-32826	14	15	to	to	PART
fbem-32826	14	16	meet	meet	VERB
fbem-32826	14	17	the	the	DET
fbem-32826	14	18	requirements	requirement	NOUN
fbem-32826	14	19	of	of	ADP
fbem-32826	14	20	regulatory	regulatory	ADJ
fbem-32826	14	21	compliance	compliance	NOUN
fbem-32826	14	22	,	,	PUNCT
fbem-32826	14	23	but	but	CCONJ
fbem-32826	14	24	also	also	ADV
fbem-32826	14	25	the	the	DET
fbem-32826	14	26	internal	internal	ADJ
fbem-32826	14	27	guarantee	guarantee	NOUN
fbem-32826	14	28	for	for	SCONJ
fbem-32826	14	29	financial	financial	ADJ
fbem-32826	14	30	institutions	institution	NOUN
fbem-32826	14	31	to	to	PART
fbem-32826	14	32	enhance	enhance	VERB
fbem-32826	14	33	their	their	PRON
fbem-32826	14	34	ability	ability	NOUN
fbem-32826	14	35	to	to	PART
fbem-32826	14	36	resist	resist	VERB
fbem-32826	14	37	risks	risk	NOUN
fbem-32826	14	38	and	and	CCONJ
fbem-32826	14	39	achieve	achieve	VERB
fbem-32826	14	40	sustainable	sustainable	ADJ
fbem-32826	14	41	development	development	NOUN
fbem-32826	14	42	.	.	PUNCT
fbem-32826	15	1	with	with	ADP
fbem-32826	15	2	the	the	DET
fbem-32826	15	3	increasing	increase	VERB
fbem-32826	15	4	complexity	complexity	NOUN
fbem-32826	15	5	of	of	ADP
fbem-32826	15	6	the	the	DET
fbem-32826	15	7	financial	financial	ADJ
fbem-32826	15	8	environment	environment	NOUN
fbem-32826	15	9	,	,	PUNCT
fbem-32826	15	10	risk	risk	NOUN
fbem-32826	15	11	control	control	NOUN
fbem-32826	15	12	has	have	AUX
fbem-32826	15	13	been	be	AUX
fbem-32826	15	14	engaged	engage	VERB
fbem-32826	15	15	in	in	ADP
fbem-32826	15	16	the	the	DET
fbem-32826	15	17	passive	passive	ADJ
fbem-32826	15	18	role	role	NOUN
fbem-32826	15	19	of	of	ADP
fbem-32826	15	20	post	post	NOUN
fbem-32826	15	21	-disposal	-disposal	PROPN
fbem-32826	15	22	,	,	PUNCT
fbem-32826	15	23	and	and	CCONJ
fbem-32826	15	24	has	have	AUX
fbem-32826	15	25	gradually	gradually	ADV
fbem-32826	15	26	evolved	evolve	VERB
fbem-32826	15	27	into	into	ADP
fbem-32826	15	28	a	a	DET
fbem-32826	15	29	strategic	strategic	ADJ
fbem-32826	15	30	function	function	NOUN
fbem-32826	15	31	that	that	PRON
fbem-32826	15	32	runs	run	VERB
fbem-32826	15	33	through	through	ADP
fbem-32826	15	34	the	the	DET
fbem-32826	15	35	whole	whole	ADJ
fbem-32826	15	36	business	business	NOUN
fbem-32826	15	37	process	process	NOUN
fbem-32826	15	38	and	and	CCONJ
fbem-32826	15	39	emphasize	emphasize	VERB
fbem-32826	15	40	s	s	PRON
fbem-32826	15	41	forwardlooking	forwardlooke	VERB
fbem-32826	15	42	early	early	ADJ
fbem-32826	15	43	warning	warning	NOUN
fbem-32826	15	44	and	and	CCONJ
fbem-32826	15	45	active	active	ADJ
fbem-32826	15	46	management	management	NOUN
fbem-32826	15	47	.	.	PUNCT
fbem-32826	16	1	financial	financial	ADJ
fbem-32826	16	2	risk	risk	NOUN
fbem-32826	16	3	can	can	AUX
fbem-32826	16	4	be	be	AUX
fbem-32826	16	5	divided	divide	VERB
fbem-32826	16	6	into	into	ADP
fbem-32826	16	7	credit	credit	NOUN
fbem-32826	16	8	risk	risk	NOUN
fbem-32826	16	9	,	,	PUNCT
fbem-32826	16	10	market	market	NOUN
fbem-32826	16	11	risk	risk	NOUN
fbem-32826	16	12	and	and	CCONJ
fbem-32826	16	13	operational	operational	ADJ
fbem-32826	16	14	risk	risk	NOUN
fbem-32826	16	15	according	accord	VERB
fbem-32826	16	16	to	to	ADP
fbem-32826	16	17	its	its	PRON
fbem-32826	16	18	source	source	NOUN
fbem-32826	16	19	and	and	CCONJ
fbem-32826	16	20	nature	nature	NOUN
fbem-32826	16	21	.	.	PUNCT
fbem-32826	17	1	credit	credit	NOUN
fbem-32826	17	2	risk	risk	NOUN
fbem-32826	17	3	refers	refer	VERB
fbem-32826	17	4	to	to	ADP
fbem-32826	17	5	the	the	DET
fbem-32826	17	6	possibility	possibility	NOUN
fbem-32826	17	7	of	of	ADP
fbem-32826	17	8	economic	economic	ADJ
fbem-32826	17	9	losses	loss	NOUN
fbem-32826	17	10	caused	cause	VERB
fbem-32826	17	11	by	by	ADP
fbem-32826	17	12	the	the	DET
fbem-32826	17	13	counterparty	counterparty	NOUN
fbem-32826	17	14	's	's	PART
fbem-32826	17	15	failure	failure	NOUN
fbem-32826	17	16	to	to	PART
fbem-32826	17	17	fulfill	fulfill	VERB
fbem-32826	17	18	its	its	PRON
fbem-32826	17	19	contractual	contractual	ADJ
fbem-32826	17	20	obligations	obligation	NOUN
fbem-32826	17	21	,	,	PUNCT
fbem-32826	17	22	which	which	PRON
fbem-32826	17	23	is	be	AUX
fbem-32826	17	24	the	the	DET
fbem-32826	17	25	most	most	ADV
fbem-32826	17	26	traditional	traditional	ADJ
fbem-32826	17	27	and	and	CCONJ
fbem-32826	17	28	basic	basic	ADJ
fbem-32826	17	29	risk	risk	NOUN
fbem-32826	17	30	form	form	NOUN
fbem-32826	17	31	in	in	ADP
fbem-32826	17	32	the	the	DET
fbem-32826	17	33	banking	banking	NOUN
fbem-32826	17	34	industry	industry	NOUN
fbem-32826	17	35	,	,	PUNCT
fbem-32826	17	36	and	and	CCONJ
fbem-32826	17	37	widely	widely	ADV
fbem-32826	17	38	exists	exist	VERB
fbem-32826	17	39	in	in	ADP
fbem-32826	17	40	credit	credit	NOUN
fbem-32826	17	41	,	,	PUNCT
fbem-32826	17	42	bond	bond	NOUN
fbem-32826	17	43	investment	investment	NOUN
fbem-32826	17	44	and	and	CCONJ
fbem-32826	17	45	derivatives	derivative	NOUN
fbem-32826	17	46	trading	trading	NOUN
fbem-32826	17	47	.	.	PUNCT
fbem-32826	18	1	market	market	NOUN
fbem-32826	18	2	risk	risk	NOUN
fbem-32826	18	3	originates	originate	NOUN
fbem-32826	18	4	from	from	ADP
fbem-32826	18	5	the	the	DET
fbem-32826	18	6	risk	risk	NOUN
fbem-32826	18	7	of	of	ADP
fbem-32826	18	8	loss	loss	NOUN
fbem-32826	18	9	caused	cause	VERB
fbem-32826	18	10	by	by	ADP
fbem-32826	18	11	adverse	adverse	ADJ
fbem-32826	18	12	fluctuations	fluctuation	NOUN
fbem-32826	18	13	in	in	ADP
fbem-32826	18	14	financial	financial	ADJ
fbem-32826	18	15	asset	asset	NOUN
fbem-32826	18	16	prices	price	NOUN
fbem-32826	18	17	due	due	ADJ
fbem-32826	18	18	to	to	ADP
fbem-32826	18	19	market	market	NOUN
fbem-32826	18	20	factors	factor	NOUN
fbem-32826	18	21	such	such	ADJ
fbem-32826	18	22	as	as	ADP
fbem-32826	18	23	interest	interest	NOUN
fbem-32826	18	24	rates	rate	NOUN
fbem-32826	18	25	,	,	PUNCT
fbem-32826	18	26	exchange	exchange	NOUN
fbem-32826	18	27	rates	rate	NOUN
fbem-32826	18	28	and	and	CCONJ
fbem-32826	18	29	stock	stock	NOUN
fbem-32826	18	30	prices	price	NOUN
fbem-32826	18	31	,	,	PUNCT
fbem-32826	18	32	which	which	PRON
fbem-32826	18	33	covers	cover	VERB
fbem-32826	18	34	trading	trading	NOUN
fbem-32826	18	35	accounts	account	NOUN
fbem-32826	18	36	and	and	CCONJ
fbem-32826	18	37	bank	bank	NOUN
fbem-32826	18	38	accounts	account	NOUN
fbem-32826	18	39	and	and	CCONJ
fbem-32826	18	40	has	have	VERB
fbem-32826	18	41	obvious	obvious	ADJ
fbem-32826	18	42	systemic	systemic	ADJ
fbem-32826	18	43	characteristics	characteristic	NOUN
fbem-32826	18	44	[	[	X
fbem-32826	18	45	3	3	NUM
fbem-32826	18	46	]	]	PUNCT
fbem-32826	18	47	.	.	PUNCT
fbem-32826	19	1	operational	operational	ADJ
fbem-32826	19	2	risk	risk	NOUN
fbem-32826	19	3	is	be	AUX
fbem-32826	19	4	defined	define	VERB
fbem-32826	19	5	as	as	ADP
fbem-32826	19	6	the	the	DET
fbem-32826	19	7	risk	risk	NOUN
fbem-32826	19	8	of	of	ADP
fbem-32826	19	9	direct	direct	ADJ
fbem-32826	19	10	or	or	CCONJ
fbem-32826	19	11	indirect	indirect	ADJ
fbem-32826	19	12	loss	loss	NOUN
fbem-32826	19	13	caused	cause	VERB
fbem-32826	19	14	by	by	ADP
fbem-32826	19	15	inadequate	inadequate	ADJ
fbem-32826	19	16	or	or	CCONJ
fbem-32826	19	17	failed	fail	VERB
fbem-32826	19	18	internal	internal	ADJ
fbem-32826	19	19	processes	process	NOUN
fbem-32826	19	20	,	,	PUNCT
fbem-32826	19	21	human	human	ADJ
fbem-32826	19	22	actions	action	NOUN
fbem-32826	19	23	,	,	PUNCT
fbem-32826	19	24	information	information	NOUN
fbem-32826	19	25	systems	system	NOUN
fbem-32826	19	26	or	or	CCONJ
fbem-32826	19	27	external	external	ADJ
fbem-32826	19	28	events	event	NOUN
fbem-32826	19	29	.	.	PUNCT
fbem-32826	20	1	such	such	ADJ
fbem-32826	20	2	risks	risk	NOUN
fbem-32826	20	3	are	be	AUX
fbem-32826	20	4	complex	complex	ADJ
fbem-32826	20	5	and	and	CCONJ
fbem-32826	20	6	cover	cover	VERB
fbem-32826	20	7	a	a	DET
fbem-32826	20	8	series	series	NOUN
fbem-32826	20	9	of	of	ADP
fbem-32826	20	10	internal	internal	ADJ
fbem-32826	20	11	and	and	CCONJ
fbem-32826	20	12	external	external	ADJ
fbem-32826	20	13	factors	factor	NOUN
fbem-32826	20	14	,	,	PUNCT
fbem-32826	20	15	ranging	range	VERB
fbem-32826	20	16	from	from	ADP
fbem-32826	20	17	internal	internal	ADJ
fbem-32826	20	18	fraud	fraud	NOUN
fbem-32826	20	19	to	to	PART
fbem-32826	20	20	system	system	NOUN
fbem-32826	20	21	interruption	interruption	NOUN
fbem-32826	20	22	.	.	PUNCT
fbem-32826	21	1	these	these	DET
fbem-32826	21	2	three	three	NUM
fbem-32826	21	3	types	type	NOUN
fbem-32826	21	4	of	of	ADP
fbem-32826	21	5	risks	risk	NOUN
fbem-32826	21	6	are	be	AUX
fbem-32826	21	7	intertwined	intertwine	VERB
fbem-32826	21	8	and	and	CCONJ
fbem-32826	21	9	const	const	NOUN
fbem-32826	21	10	itute	itute	VERB
fbem-32826	21	11	the	the	DET
fbem-32826	21	12	main	main	ADJ
fbem-32826	21	13	objects	object	NOUN
fbem-32826	21	14	of	of	ADP
fbem-32826	21	15	the	the	DET
fbem-32826	21	16	risk	risk	NOUN
fbem-32826	21	17	management	management	NOUN
fbem-32826	21	18	and	and	CCONJ
fbem-32826	21	19	control	control	NOUN
fbem-32826	21	20	system	system	NOUN
fbem-32826	21	21	of	of	ADP
fbem-32826	21	22	financial	financial	ADJ
fbem-32826	21	23	institutions	institution	NOUN
fbem-32826	21	24	,	,	PUNCT
fbem-32826	21	25	and	and	CCONJ
fbem-32826	21	26	their	their	PRON
fbem-32826	21	27	accurate	accurate	ADJ
fbem-32826	21	28	identification	identification	NOUN
fbem-32826	21	29	and	and	CCONJ
fbem-32826	21	30	effective	effective	ADJ
fbem-32826	21	31	management	management	NOUN
fbem-32826	21	32	are	be	AUX
fbem-32826	21	33	the	the	DET
fbem-32826	21	34	key	key	NOUN
fbem-32826	21	35	to	to	ADP
fbem-32826	21	36	financial	financial	ADJ
fbem-32826	21	37	stability	stability	NOUN
fbem-32826	21	38	.	.	PUNCT
fbem-32826	22	1	3	3	X
fbem-32826	22	2	.	.	X
fbem-32826	22	3	application	application	NOUN
fbem-32826	22	4	scenarios	scenario	NOUN
fbem-32826	22	5	of	of	ADP
fbem-32826	22	6	data	datum	NOUN
fbem-32826	22	7	analysis	analysis	NOUN
fbem-32826	22	8	in	in	ADP
fbem-32826	22	9	financial	financial	ADJ
fbem-32826	22	10	risk	risk	NOUN
fbem-32826	22	11	control	control	NOUN
fbem-32826	22	12	3.1	3.1	NUM
fbem-32826	22	13	.	.	PUNCT
fbem-32826	22	14	application	application	NOUN
fbem-32826	22	15	scenario	scenario	NOUN
fbem-32826	22	16	of	of	ADP
fbem-32826	22	17	data	datum	NOUN
fbem-32826	22	18	analysis	analysis	NOUN
fbem-32826	22	19	in	in	ADP
fbem-32826	22	20	credit	credit	NOUN
fbem-32826	22	21	risk	risk	NOUN
fbem-32826	22	22	control	control	NOUN
fbem-32826	22	23	in	in	ADP
fbem-32826	22	24	the	the	DET
fbem-32826	22	25	field	field	NOUN
fbem-32826	22	26	of	of	ADP
fbem-32826	22	27	credit	credit	NOUN
fbem-32826	22	28	risk	risk	NOUN
fbem-32826	22	29	control	control	NOUN
fbem-32826	22	30	,	,	PUNCT
fbem-32826	22	31	the	the	DET
fbem-32826	22	32	application	application	NOUN
fbem-32826	22	33	of	of	ADP
fbem-32826	22	34	data	datum	NOUN
fbem-32826	22	35	analysis	analysis	NOUN
fbem-32826	22	36	has	have	AUX
fbem-32826	22	37	changed	change	VERB
fbem-32826	22	38	from	from	ADP
fbem-32826	22	39	the	the	DET
fbem-32826	22	40	traditional	traditional	ADJ
fbem-32826	22	41	mode	mode	NOUN
fbem-32826	22	42	of	of	ADP
fbem-32826	22	43	relying	rely	VERB
fbem-32826	22	44	on	on	ADP
fbem-32826	22	45	static	static	ADJ
fbem-32826	22	46	financial	financial	ADJ
fbem-32826	22	47	indicators	indicator	NOUN
fbem-32826	22	48	and	and	CCONJ
fbem-32826	22	49	mortgage	mortgage	NOUN
fbem-32826	22	50	guarantees	guarantee	NOUN
fbem-32826	22	51	to	to	ADP
fbem-32826	22	52	the	the	DET
fbem-32826	22	53	comprehensive	comprehensive	ADJ
fbem-32826	22	54	credit	credit	NOUN
fbem-32826	22	55	evaluation	evaluation	NOUN
fbem-32826	22	56	based	base	VERB
fbem-32826	22	57	on	on	ADP
fbem-32826	22	58	multi	multi	ADJ
fbem-32826	22	59	-dimensional	-dimensional	ADJ
fbem-32826	22	60	dynamic	dynamic	ADJ
fbem-32826	22	61	data	datum	NOUN
fbem-32826	22	62	.	.	PUNCT
fbem-32826	23	1	the	the	DET
fbem-32826	23	2	core	core	NOUN
fbem-32826	23	3	of	of	ADP
fbem-32826	23	4	this	this	DET
fbem-32826	23	5	transformation	transformation	NOUN
fbem-32826	23	6	is	be	AUX
fbem-32826	23	7	to	to	PART
fbem-32826	23	8	use	use	VERB
fbem-32826	23	9	big	big	ADJ
fbem-32826	23	10	data	datum	NOUN
fbem-32826	23	11	and	and	CCONJ
fbem-32826	23	12	machine	machine	NOUN
fbem-32826	23	13	learning	learn	VERB
fbem-32826	23	14	algorithms	algorithm	NOUN
fbem-32826	23	15	to	to	PART
fbem-32826	23	16	build	build	VERB
fbem-32826	23	17	more	more	ADV
fbem-32826	23	18	sophisticated	sophisticated	ADJ
fbem-32826	23	19	and	and	CCONJ
fbem-32826	23	20	forward	forward	ADV
fbem-32826	23	21	-	-	PUNCT
fbem-32826	23	22	looking	look	VERB
fbem-32826	23	23	credit	credit	NOUN
fbem-32826	23	24	rating	rating	NOUN
fbem-32826	23	25	models	model	NOUN
fbem-32826	23	26	.	.	PUNCT
fbem-32826	24	1	by	by	ADP
fbem-32826	24	2	mining	mine	VERB
fbem-32826	24	3	the	the	DET
fbem-32826	24	4	complex	complex	ADJ
fbem-32826	24	5	nonlinear	nonlinear	ADJ
fbem-32826	24	6	relationship	relationship	NOUN
fbem-32826	24	7	between	between	ADP
fbem-32826	24	8	these	these	DET
fbem-32826	24	9	variables	variable	NOUN
fbem-32826	24	10	and	and	CCONJ
fbem-32826	24	11	default	default	NOUN
fbem-32826	24	12	probability	probability	NOUN
fbem-32826	24	13	,	,	PUNCT
fbem-32826	24	14	the	the	DET
fbem-32826	24	15	model	model	NOUN
fbem-32826	24	16	c	c	PROPN
fbem-32826	24	17	an	an	DET
fbem-32826	24	18	identify	identify	VERB
fbem-32826	24	19	potential	potential	ADJ
fbem-32826	24	20	risk	risk	NOUN
fbem-32826	24	21	signals	signal	NOUN
fbem-32826	24	22	or	or	CCONJ
fbem-32826	24	23	high	high	ADJ
fbem-32826	24	24	-	-	PUNCT
fbem-32826	24	25	quality	quality	NOUN
fbem-32826	24	26	customer	customer	NOUN
fbem-32826	24	27	characteristics	characteristic	NOUN
fbem-32826	24	28	that	that	SCONJ
fbem-32826	24	29	traditional	traditional	ADJ
fbem-32826	24	30	scorecards	scorecard	NOUN
fbem-32826	24	31	may	may	AUX
fbem-32826	24	32	ignore	ignore	VERB
fbem-32826	24	33	,	,	PUNCT
fbem-32826	24	34	and	and	CCONJ
fbem-32826	24	35	achieve	achieve	VERB
fbem-32826	24	36	early	early	ADJ
fbem-32826	24	37	warning	warning	NOUN
fbem-32826	24	38	and	and	CCONJ
fbem-32826	24	39	accurate	accurate	ADJ
fbem-32826	24	40	pricing	pricing	NOUN
fbem-32826	24	41	of	of	ADP
fbem-32826	24	42	credit	credit	NOUN
fbem-32826	24	43	risk	risk	NOUN
fbem-32826	24	44	[	[	X
fbem-32826	24	45	4	4	NUM
fbem-32826	24	46	]	]	PUNCT
fbem-32826	24	47	.	.	PUNCT
fbem-32826	25	1	this	this	DET
fbem-32826	25	2	method	method	NOUN
fbem-32826	25	3	based	base	VERB
fbem-32826	25	4	on	on	ADP
fbem-32826	25	5	data	datum	NOUN
fbem-32826	25	6	analysis	analysis	NOUN
fbem-32826	25	7	significantly	significantly	ADV
fbem-32826	25	8	improves	improve	VERB
fbem-32826	25	9	the	the	DET
fbem-32826	25	10	efficiency	efficiency	NOUN
fbem-32826	25	11	and	and	CCONJ
fbem-32826	25	12	accuracy	accuracy	NOUN
fbem-32826	25	13	of	of	ADP
fbem-32826	25	14	credit	credit	NOUN
fbem-32826	25	15	decision	decision	NOUN
fbem-32826	25	16	.	.	PUNCT
fbem-32826	26	1	in	in	ADP
fbem-32826	26	2	the	the	DET
fbem-32826	26	3	pre	pre	ADJ
fbem-32826	26	4	-	-	ADJ
fbem-32826	26	5	loan	loan	ADJ
fbem-32826	26	6	process	process	NOUN
fbem-32826	26	7	,	,	PUNCT
fbem-32826	26	8	the	the	DET
fbem-32826	26	9	8	8	NUM
fbem-32826	26	10	automated	automate	VERB
fbem-32826	26	11	approval	approval	NOUN
fbem-32826	26	12	system	system	NOUN
fbem-32826	26	13	can	can	AUX
fbem-32826	26	14	quickly	quickly	ADV
fbem-32826	26	15	screen	screen	VERB
fbem-32826	26	16	a	a	DET
fbem-32826	26	17	large	large	ADJ
fbem-32826	26	18	number	number	NOUN
fbem-32826	26	19	of	of	ADP
fbem-32826	26	20	applications	application	NOUN
fbem-32826	26	21	,	,	PUNCT
fbem-32826	26	22	concentrate	concentrate	NOUN
fbem-32826	26	23	manpower	manpower	NOUN
fbem-32826	26	24	on	on	ADP
fbem-32826	26	25	the	the	DET
fbem-32826	26	26	analysis	analysis	NOUN
fbem-32826	26	27	of	of	ADP
fbem-32826	26	28	high	high	ADJ
fbem-32826	26	29	-	-	PUNCT
fbem-32826	26	30	risk	risk	NOUN
fbem-32826	26	31	or	or	CCONJ
fbem-32826	26	32	boundary	boundary	ADJ
fbem-32826	26	33	cases	case	NOUN
fbem-32826	26	34	,	,	PUNCT
fbem-32826	26	35	and	and	CCONJ
fbem-32826	26	36	greatly	greatly	ADV
fbem-32826	26	37	shorten	shorten	VERB
fbem-32826	26	38	the	the	DET
fbem-32826	26	39	approval	approval	NOUN
fbem-32826	26	40	cycle	cycle	NOUN
fbem-32826	26	41	.	.	PUNCT
fbem-32826	27	1	in	in	ADP
fbem-32826	27	2	the	the	DET
fbem-32826	27	3	stage	stage	NOUN
fbem-32826	27	4	of	of	ADP
fbem-32826	27	5	loan	loan	NOUN
fbem-32826	27	6	management	management	NOUN
fbem-32826	27	7	,	,	PUNCT
fbem-32826	27	8	the	the	DET
fbem-32826	27	9	model	model	NOUN
fbem-32826	27	10	can	can	AUX
fbem-32826	27	11	dynamically	dynamically	ADV
fbem-32826	27	12	adjust	adjust	VERB
fbem-32826	27	13	the	the	DET
fbem-32826	27	14	risk	risk	NOUN
fbem-32826	27	15	level	level	NOUN
fbem-32826	27	16	and	and	CCONJ
fbem-32826	27	17	credit	credit	NOUN
fbem-32826	27	18	limit	limit	NOUN
fbem-32826	27	19	by	by	ADP
fbem-32826	27	20	continuously	continuously	ADV
fbem-32826	27	21	monitoring	monitor	VERB
fbem-32826	27	22	the	the	DET
fbem-32826	27	23	changes	change	NOUN
fbem-32826	27	24	of	of	ADP
fbem-32826	27	25	borrowers	borrower	NOUN
fbem-32826	27	26	'	'	PART
fbem-32826	27	27	behavior	behavior	NOUN
fbem-32826	27	28	data	datum	NOUN
fbem-32826	27	29	to	to	PART
fbem-32826	27	30	realize	realize	VERB
fbem-32826	27	31	the	the	DET
fbem-32826	27	32	dynamic	dynamic	ADJ
fbem-32826	27	33	management	management	NOUN
fbem-32826	27	34	of	of	ADP
fbem-32826	27	35	risk	risk	NOUN
fbem-32826	27	36	.	.	PUNCT
fbem-32826	28	1	in	in	ADP
fbem-32826	28	2	the	the	DET
fbem-32826	28	3	post	post	NOUN
fbem-32826	28	4	loan	loan	NOUN
fbem-32826	28	5	process	process	NOUN
fbem-32826	28	6	,	,	PUNCT
fbem-32826	28	7	data	datum	NOUN
fbem-32826	28	8	analysis	analysis	NOUN
fbem-32826	28	9	can	can	AUX
fbem-32826	28	10	predict	predict	VERB
fbem-32826	28	11	the	the	DET
fbem-32826	28	12	possibility	possibility	NOUN
fbem-32826	28	13	of	of	ADP
fbem-32826	28	14	overdue	overdue	ADJ
fbem-32826	28	15	,	,	PUNCT
fbem-32826	28	16	optimize	optimize	VERB
fbem-32826	28	17	the	the	DET
fbem-32826	28	18	resource	resource	NOUN
fbem-32826	28	19	allocation	allocation	NOUN
fbem-32826	28	20	of	of	ADP
fbem-32826	28	21	collection	collection	NOUN
fbem-32826	28	22	strategies	strategy	NOUN
fbem-32826	28	23	,	,	PUNCT
fbem-32826	28	24	and	and	CCONJ
fbem-32826	28	25	adopt	adopt	VERB
fbem-32826	28	26	differentiated	differentiated	ADJ
fbem-32826	28	27	collection	collection	NOUN
fbem-32826	28	28	methods	method	NOUN
fbem-32826	28	29	for	for	ADP
fbem-32826	28	30	customers	customer	NOUN
fbem-32826	28	31	with	with	ADP
fbem-32826	28	32	different	different	ADJ
fbem-32826	28	33	risk	risk	NOUN
fbem-32826	28	34	characteristics	characteristic	NOUN
fbem-32826	28	35	.	.	PUNCT
fbem-32826	29	1	this	this	DET
fbem-32826	29	2	data	data	NOUN
fbem-32826	29	3	-	-	PUNCT
fbem-32826	29	4	driven	drive	VERB
fbem-32826	29	5	management	management	NOUN
fbem-32826	29	6	of	of	ADP
fbem-32826	29	7	the	the	DET
fbem-32826	29	8	whole	whole	ADJ
fbem-32826	29	9	process	process	NOUN
fbem-32826	29	10	makes	make	VERB
fbem-32826	29	11	credit	credit	NOUN
fbem-32826	29	12	risk	risk	NOUN
fbem-32826	29	13	management	management	NOUN
fbem-32826	29	14	change	change	NOUN
fbem-32826	29	15	from	from	ADP
fbem-32826	29	16	single	single	ADJ
fbem-32826	29	17	-	-	PUNCT
fbem-32826	29	18	point	point	NOUN
fbem-32826	29	19	judgment	judgment	NOUN
fbem-32826	29	20	to	to	PART
fbem-32826	29	21	closedloop	closedloop	VERB
fbem-32826	29	22	system	system	NOUN
fbem-32826	29	23	of	of	ADP
fbem-32826	29	24	continuous	continuous	ADJ
fbem-32826	29	25	monitoring	monitoring	NOUN
fbem-32826	29	26	and	and	CCONJ
fbem-32826	29	27	iterative	iterative	NOUN
fbem-32826	29	28	optimization	optimization	NOUN
fbem-32826	29	29	,	,	PUNCT
fbem-32826	29	30	effectively	effectively	ADV
fbem-32826	29	31	reducing	reduce	VERB
fbem-32826	29	32	the	the	DET
fbem-32826	29	33	incidence	incidence	NOUN
fbem-32826	29	34	of	of	ADP
fbem-32826	29	35	nonperforming	nonperforme	VERB
fbem-32826	29	36	assets	asset	NOUN
fbem-32826	29	37	.	.	PUNCT
fbem-32826	30	1	3.2	3.2	NUM
fbem-32826	30	2	.	.	PUNCT
fbem-32826	30	3	application	application	NOUN
fbem-32826	30	4	scenario	scenario	NOUN
fbem-32826	30	5	of	of	ADP
fbem-32826	30	6	data	datum	NOUN
fbem-32826	30	7	analysis	analysis	NOUN
fbem-32826	30	8	in	in	ADP
fbem-32826	30	9	market	market	NOUN
fbem-32826	30	10	risk	risk	NOUN
fbem-32826	30	11	control	control	VERB
fbem-32826	30	12	the	the	DET
fbem-32826	30	13	application	application	NOUN
fbem-32826	30	14	of	of	ADP
fbem-32826	30	15	data	datum	NOUN
fbem-32826	30	16	analysis	analysis	NOUN
fbem-32826	30	17	in	in	ADP
fbem-32826	30	18	market	market	NOUN
fbem-32826	30	19	risk	risk	NOUN
fbem-32826	30	20	management	management	NOUN
fbem-32826	30	21	is	be	AUX
fbem-32826	30	22	mainly	mainly	ADV
fbem-32826	30	23	reflected	reflect	VERB
fbem-32826	30	24	in	in	ADP
fbem-32826	30	25	the	the	DET
fbem-32826	30	26	leap	leap	NOUN
fbem-32826	30	27	of	of	ADP
fbem-32826	30	28	accurate	accurate	ADJ
fbem-32826	30	29	measurement	measurement	NOUN
fbem-32826	30	30	and	and	CCONJ
fbem-32826	30	31	real	real	ADJ
fbem-32826	30	32	-	-	PUNCT
fbem-32826	30	33	time	time	NOUN
fbem-32826	30	34	monitoring	monitoring	NOUN
fbem-32826	30	35	ability	ability	NOUN
fbem-32826	30	36	of	of	ADP
fbem-32826	30	37	high	high	ADJ
fbem-32826	30	38	-dimensional	-dimensional	ADJ
fbem-32826	30	39	and	and	CCONJ
fbem-32826	30	40	highfrequency	highfrequency	NOUN
fbem-32826	30	41	market	market	NOUN
fbem-32826	30	42	risk	risk	NOUN
fbem-32826	30	43	.	.	PUNCT
fbem-32826	31	1	modern	modern	ADJ
fbem-32826	31	2	data	datum	NOUN
fbem-32826	31	3	analysis	analysis	NOUN
fbem-32826	31	4	techniques	technique	NOUN
fbem-32826	31	5	,	,	PUNCT
fbem-32826	31	6	especially	especially	ADV
fbem-32826	31	7	time	time	NOUN
fbem-32826	31	8	series	series	NOUN
fbem-32826	31	9	analysis	analysis	NOUN
fbem-32826	31	10	,	,	PUNCT
fbem-32826	31	11	volatility	volatility	NOUN
fbem-32826	31	12	modeling	modeling	NOUN
fbem-32826	31	13	and	and	CCONJ
fbem-32826	31	14	monte	monte	PROPN
fbem-32826	31	15	carlo	carlo	PROPN
fbem-32826	31	16	simulation	simulation	PROPN
fbem-32826	31	17	,	,	PUNCT
fbem-32826	31	18	can	can	AUX
fbem-32826	31	19	more	more	ADV
fbem-32826	31	20	profoundly	profoundly	ADV
fbem-32826	31	21	reveal	reveal	VERB
fbem-32826	31	22	the	the	DET
fbem-32826	31	23	law	law	NOUN
fbem-32826	31	24	of	of	ADP
fbem-32826	31	25	asset	asset	NOUN
fbem-32826	31	26	price	price	NOUN
fbem-32826	31	27	volatility	volatility	NOUN
fbem-32826	31	28	,	,	PUNCT
fbem-32826	31	29	clustering	cluster	VERB
fbem-32826	31	30	characteristics	characteristic	NOUN
fbem-32826	31	31	and	and	CCONJ
fbem-32826	31	32	tail	tail	NOUN
fbem-32826	31	33	risk	risk	NOUN
fbem-32826	31	34	[	[	X
fbem-32826	31	35	5	5	NUM
fbem-32826	31	36	]	]	PUNCT
fbem-32826	31	37	.	.	PUNCT
fbem-32826	32	1	machine	machine	NOUN
fbem-32826	32	2	learning	learn	VERB
fbem-32826	32	3	algorithms	algorithm	NOUN
fbem-32826	32	4	have	have	AUX
fbem-32826	32	5	shown	show	VERB
fbem-32826	32	6	great	great	ADJ
fbem-32826	32	7	advantages	advantage	NOUN
fbem-32826	32	8	in	in	ADP
fbem-32826	32	9	identifying	identify	VERB
fbem-32826	32	10	nonlinear	nonlinear	ADJ
fbem-32826	32	11	market	market	NOUN
fbem-32826	32	12	patterns	pattern	NOUN
fbem-32826	32	13	and	and	CCONJ
fbem-32826	32	14	processing	process	VERB
fbem-32826	32	15	unstructured	unstructured	ADJ
fbem-32826	32	16	information	information	NOUN
fbem-32826	32	17	.	.	PUNCT
fbem-32826	33	1	by	by	ADP
fbem-32826	33	2	analyzing	analyze	VERB
fbem-32826	33	3	textual	textual	ADJ
fbem-32826	33	4	information	information	NOUN
fbem-32826	33	5	such	such	ADJ
fbem-32826	33	6	as	as	ADP
fbem-32826	33	7	news	news	NOUN
fbem-32826	33	8	public	public	ADJ
fbem-32826	33	9	opinion	opinion	NOUN
fbem-32826	33	10	,	,	PUNCT
fbem-32826	33	11	social	social	ADJ
fbem-32826	33	12	media	medium	NOUN
fbem-32826	33	13	discussions	discussion	NOUN
fbem-32826	33	14	and	and	CCONJ
fbem-32826	33	15	market	market	NOUN
fbem-32826	33	16	announcements	announcement	NOUN
fbem-32826	33	17	,	,	PUNCT
fbem-32826	33	18	natural	natural	ADJ
fbem-32826	33	19	language	language	NOUN
fbem-32826	33	20	processing	processing	NOUN
fbem-32826	33	21	technology	technology	NOUN
fbem-32826	33	22	can	can	AUX
fbem-32826	33	23	quantify	quantify	VERB
fbem-32826	33	24	changes	change	NOUN
fbem-32826	33	25	in	in	ADP
fbem-32826	33	26	market	market	NOUN
fbem-32826	33	27	sentiment	sentiment	NOUN
fbem-32826	33	28	and	and	CCONJ
fbem-32826	33	29	incorporate	incorporate	VERB
fbem-32826	33	30	them	they	PRON
fbem-32826	33	31	into	into	ADP
fbem-32826	33	32	the	the	DET
fbem-32826	33	33	model	model	NOUN
fbem-32826	33	34	as	as	ADP
fbem-32826	33	35	risk	risk	NOUN
fbem-32826	33	36	factors	factor	NOUN
fbem-32826	33	37	,	,	PUNCT
fbem-32826	33	38	thus	thus	ADV
fbem-32826	33	39	providing	provide	VERB
fbem-32826	33	40	early	early	ADJ
fbem-32826	33	41	insight	insight	NOUN
fbem-32826	33	42	into	into	ADP
fbem-32826	33	43	irrational	irrational	ADJ
fbem-32826	33	44	fluctuations	fluctuation	NOUN
fbem-32826	33	45	in	in	ADP
fbem-32826	33	46	market	market	NOUN
fbem-32826	33	47	prices	price	NOUN
fbem-32826	33	48	.	.	PUNCT
fbem-32826	34	1	stress	stress	NOUN
fbem-32826	34	2	testing	testing	NOUN
fbem-32826	34	3	and	and	CCONJ
fbem-32826	34	4	scenario	scenario	NOUN
fbem-32826	34	5	analysis	analysis	NOUN
fbem-32826	34	6	are	be	AUX
fbem-32826	34	7	also	also	ADV
fbem-32826	34	8	more	more	ADV
fbem-32826	34	9	in	in	ADP
fbem-32826	34	10	-depth	-depth	ADJ
fbem-32826	34	11	and	and	CCONJ
fbem-32826	34	12	realistic	realistic	ADJ
fbem-32826	34	13	due	due	ADP
fbem-32826	34	14	to	to	ADP
fbem-32826	34	15	the	the	DET
fbem-32826	34	16	improvement	improvement	NOUN
fbem-32826	34	17	of	of	ADP
fbem-32826	34	18	data	datum	NOUN
fbem-32826	34	19	analysis	analysis	NOUN
fbem-32826	34	20	capabilities	capability	NOUN
fbem-32826	34	21	.	.	PUNCT
fbem-32826	35	1	institutions	institution	NOUN
fbem-32826	35	2	can	can	AUX
fbem-32826	35	3	simulate	simulate	VERB
fbem-32826	35	4	the	the	DET
fbem-32826	35	5	impact	impact	NOUN
fbem-32826	35	6	of	of	ADP
fbem-32826	35	7	various	various	ADJ
fbem-32826	35	8	extreme	extreme	ADJ
fbem-32826	35	9	but	but	CCONJ
fbem-32826	35	10	possible	possible	ADJ
fbem-32826	35	11	macroeconomic	macroeconomic	ADJ
fbem-32826	35	12	scenarios	scenario	NOUN
fbem-32826	35	13	or	or	CCONJ
fbem-32826	35	14	unexpected	unexpected	ADJ
fbem-32826	35	15	events	event	NOUN
fbem-32826	35	16	on	on	ADP
fbem-32826	35	17	portfolios	portfolio	NOUN
fbem-32826	35	18	,	,	PUNCT
fbem-32826	35	19	and	and	CCONJ
fbem-32826	35	20	assess	assess	VERB
fbem-32826	35	21	their	their	PRON
fbem-32826	35	22	capital	capital	NOUN
fbem-32826	35	23	adequacy	adequacy	NOUN
fbem-32826	35	24	and	and	CCONJ
fbem-32826	35	25	ability	ability	NOUN
fbem-32826	35	26	to	to	PART
fbem-32826	35	27	withstand	withstand	VERB
fbem-32826	35	28	risks	risk	NOUN
fbem-32826	35	29	.	.	PUNCT
fbem-32826	36	1	this	this	DET
fbem-32826	36	2	dynamic	dynamic	ADJ
fbem-32826	36	3	and	and	CCONJ
fbem-32826	36	4	forward	forward	ADV
fbem-32826	36	5	-looking	-looke	VERB
fbem-32826	36	6	risk	risk	NOUN
fbem-32826	36	7	perspective	perspective	NOUN
fbem-32826	36	8	enables	enable	VERB
fbem-32826	36	9	financial	financial	ADJ
fbem-32826	36	10	institu	institu	NOUN
fbem-32826	36	11	tions	tion	NOUN
fbem-32826	36	12	to	to	PART
fbem-32826	36	13	make	make	VERB
fbem-32826	36	14	more	more	ADV
fbem-32826	36	15	timely	timely	ADJ
fbem-32826	36	16	and	and	CCONJ
fbem-32826	36	17	effective	effective	ADJ
fbem-32826	36	18	response	response	NOUN
fbem-32826	36	19	decisions	decision	NOUN
fbem-32826	36	20	in	in	ADP
fbem-32826	36	21	the	the	DET
fbem-32826	36	22	face	face	NOUN
fbem-32826	36	23	of	of	ADP
fbem-32826	36	24	sharp	sharp	ADJ
fbem-32826	36	25	market	market	NOUN
fbem-32826	36	26	fluctuations	fluctuation	NOUN
fbem-32826	36	27	.	.	PUNCT
fbem-32826	37	1	3.3	3.3	NUM
fbem-32826	37	2	.	.	PUNCT
fbem-32826	38	1	application	application	NOUN
fbem-32826	38	2	scenario	scenario	NOUN
fbem-32826	38	3	of	of	ADP
fbem-32826	38	4	data	datum	NOUN
fbem-32826	38	5	analysis	analysis	NOUN
fbem-32826	38	6	in	in	ADP
fbem-32826	38	7	operational	operational	ADJ
fbem-32826	38	8	risk	risk	NOUN
fbem-32826	38	9	control	control	NOUN
fbem-32826	38	10	operational	operational	ADJ
fbem-32826	38	11	risk	risk	NOUN
fbem-32826	38	12	has	have	AUX
fbem-32826	38	13	been	be	AUX
fbem-32826	38	14	the	the	DET
fbem-32826	38	15	difficulty	difficulty	NOUN
fbem-32826	38	16	of	of	ADP
fbem-32826	38	17	risk	risk	NOUN
fbem-32826	38	18	management	management	NOUN
fbem-32826	38	19	for	for	ADP
fbem-32826	38	20	a	a	DET
fbem-32826	38	21	long	long	ADJ
fbem-32826	38	22	time	time	NOUN
fbem-32826	38	23	because	because	SCONJ
fbem-32826	38	24	of	of	ADP
fbem-32826	38	25	its	its	PRON
fbem-32826	38	26	endogenous	endogenous	ADJ
fbem-32826	38	27	and	and	CCONJ
fbem-32826	38	28	unpredictable	unpredictable	ADJ
fbem-32826	38	29	characteristics	characteristic	NOUN
fbem-32826	38	30	.	.	PUNCT
fbem-32826	39	1	the	the	DET
fbem-32826	39	2	application	application	NOUN
fbem-32826	39	3	of	of	ADP
fbem-32826	39	4	data	datum	NOUN
fbem-32826	39	5	analysis	analysis	NOUN
fbem-32826	39	6	provides	provide	VERB
fbem-32826	39	7	a	a	DET
fbem-32826	39	8	new	new	ADJ
fbem-32826	39	9	technical	technical	ADJ
fbem-32826	39	10	path	path	NOUN
fbem-32826	39	11	for	for	ADP
fbem-32826	39	12	the	the	DET
fbem-32826	39	13	identification	identification	NOUN
fbem-32826	39	14	,	,	PUNCT
fbem-32826	39	15	early	early	ADJ
fbem-32826	39	16	warning	warning	NOUN
fbem-32826	39	17	and	and	CCONJ
fbem-32826	39	18	prevention	prevention	NOUN
fbem-32826	39	19	and	and	CCONJ
fbem-32826	39	20	control	control	NOUN
fbem-32826	39	21	of	of	ADP
fbem-32826	39	22	operational	operational	ADJ
fbem-32826	39	23	risk	risk	NOUN
fbem-32826	39	24	.	.	PUNCT
fbem-32826	40	1	its	its	PRON
fbem-32826	40	2	core	core	NOUN
fbem-32826	40	3	is	be	AUX
fbem-32826	40	4	to	to	PART
fbem-32826	40	5	automatically	automatically	ADV
fbem-32826	40	6	detect	detect	VERB
fbem-32826	40	7	abnormal	abnormal	ADJ
fbem-32826	40	8	activities	activity	NOUN
fbem-32826	40	9	or	or	CCONJ
fbem-32826	40	10	potential	potential	ADJ
fbem-32826	40	11	vulnerabilities	vulnerability	NOUN
fbem-32826	40	12	by	by	ADP
fbem-32826	40	13	real	real	ADJ
fbem-32826	40	14	-	-	PUNCT
fbem-32826	40	15	time	time	NOUN
fbem-32826	40	16	scanning	scanning	NOUN
fbem-32826	40	17	and	and	CCONJ
fbem-32826	40	18	pattern	pattern	NOUN
fbem-32826	40	19	recognition	recognition	NOUN
fbem-32826	40	20	of	of	ADP
fbem-32826	40	21	massive	massive	ADJ
fbem-32826	40	22	data	datum	NOUN
fbem-32826	40	23	generated	generate	VERB
fbem-32826	40	24	in	in	ADP
fbem-32826	40	25	the	the	DET
fbem-32826	40	26	internal	internal	ADJ
fbem-32826	40	27	operation	operation	NOUN
fbem-32826	40	28	process	process	NOUN
fbem-32826	40	29	.	.	PUNCT
fbem-32826	41	1	in	in	ADP
fbem-32826	41	2	the	the	DET
fbem-32826	41	3	field	field	NOUN
fbem-32826	41	4	of	of	ADP
fbem-32826	41	5	anti	anti	ADJ
fbem-32826	41	6	-	-	ADJ
fbem-32826	41	7	fraud	fraud	ADJ
fbem-32826	41	8	,	,	PUNCT
fbem-32826	41	9	complex	complex	ADJ
fbem-32826	41	10	network	network	NOUN
fbem-32826	41	11	analysis	analysis	NOUN
fbem-32826	41	12	can	can	AUX
fbem-32826	41	13	depict	depict	VERB
fbem-32826	41	14	the	the	DET
fbem-32826	41	15	flow	flow	NOUN
fbem-32826	41	16	of	of	ADP
fbem-32826	41	17	funds	fund	NOUN
fbem-32826	41	18	and	and	CCONJ
fbem-32826	41	19	the	the	DET
fbem-32826	41	20	relationship	relationship	NOUN
fbem-32826	41	21	between	between	ADP
fbem-32826	41	22	accounts	account	NOUN
fbem-32826	41	23	,	,	PUNCT
fbem-32826	41	24	and	and	CCONJ
fbem-32826	41	25	effectively	effectively	ADV
fbem-32826	41	26	identify	identify	VERB
fbem-32826	41	27	organized	organized	ADJ
fbem-32826	41	28	fraud	fraud	NOUN
fbem-32826	41	29	gangs	gang	NOUN
fbem-32826	41	30	.	.	PUNCT
fbem-32826	42	1	machine	machine	NOUN
fbem-32826	42	2	learning	learning	NOUN
fbem-32826	42	3	model	model	NOUN
fbem-32826	42	4	can	can	AUX
fbem-32826	42	5	intercept	intercept	VERB
fbem-32826	42	6	suspicious	suspicious	ADJ
fbem-32826	42	7	transactions	transaction	NOUN
fbem-32826	42	8	in	in	ADP
fbem-32826	42	9	real	real	ADJ
fbem-32826	42	10	time	time	NOUN
fbem-32826	42	11	by	by	ADP
fbem-32826	42	12	learning	learn	VERB
fbem-32826	42	13	the	the	DET
fbem-32826	42	14	subtle	subtle	ADJ
fbem-32826	42	15	differences	difference	NOUN
fbem-32826	42	16	between	between	ADP
fbem-32826	42	17	normal	normal	ADJ
fbem-32826	42	18	transactions	transaction	NOUN
fbem-32826	42	19	and	and	CCONJ
fbem-32826	42	20	fraudulent	fraudulent	ADJ
fbem-32826	42	21	transactions	transaction	NOUN
fbem-32826	42	22	in	in	ADP
fbem-32826	42	23	time	time	NOUN
fbem-32826	42	24	,	,	PUNCT
fbem-32826	42	25	place	place	NOUN
fbem-32826	42	26	,	,	PUNCT
fbem-32826	42	27	amount	amount	NOUN
fbem-32826	42	28	,	,	PUNCT
fbem-32826	42	29	equipment	equipment	NOUN
fbem-32826	42	30	and	and	CCONJ
fbem-32826	42	31	other	other	ADJ
fbem-32826	42	32	dimensions	dimension	NOUN
fbem-32826	42	33	,	,	PUNCT
fbem-32826	42	34	which	which	PRON
fbem-32826	42	35	greatly	greatly	ADV
fbem-32826	42	36	improves	improve	VERB
fbem-32826	42	37	the	the	DET
fbem-32826	42	38	detection	detection	NOUN
fbem-32826	42	39	probability	probability	NOUN
fbem-32826	42	40	and	and	CCONJ
fbem-32826	42	41	response	response	NOUN
fbem-32826	42	42	speed	speed	NOUN
fbem-32826	42	43	of	of	ADP
fbem-32826	42	44	fraud	fraud	NOUN
fbem-32826	42	45	.	.	PUNCT
fbem-32826	43	1	in	in	ADP
fbem-32826	43	2	terms	term	NOUN
fbem-32826	43	3	of	of	ADP
fbem-32826	43	4	internal	internal	ADJ
fbem-32826	43	5	control	control	NOUN
fbem-32826	43	6	,	,	PUNCT
fbem-32826	43	7	data	datum	NOUN
fbem-32826	43	8	analysis	analysis	NOUN
fbem-32826	43	9	embeds	embed	VERB
fbem-32826	43	10	risk	risk	NOUN
fbem-32826	43	11	monitoring	monitoring	NOUN
fbem-32826	43	12	into	into	ADP
fbem-32826	43	13	busine	busine	PROPN
fbem-32826	43	14	ss	ss	PROPN
fbem-32826	43	15	processes	process	NOUN
fbem-32826	43	16	.	.	PUNCT
fbem-32826	44	1	through	through	ADP
fbem-32826	44	2	the	the	DET
fbem-32826	44	3	continuous	continuous	ADJ
fbem-32826	44	4	analysis	analysis	NOUN
fbem-32826	44	5	of	of	ADP
fbem-32826	44	6	employee	employee	NOUN
fbem-32826	44	7	operation	operation	NOUN
fbem-32826	44	8	logs	log	NOUN
fbem-32826	44	9	,	,	PUNCT
fbem-32826	44	10	system	system	NOUN
fbem-32826	44	11	access	access	NOUN
fbem-32826	44	12	records	record	NOUN
fbem-32826	44	13	,	,	PUNCT
fbem-32826	44	14	internal	internal	ADJ
fbem-32826	44	15	approval	approval	NOUN
fbem-32826	44	16	process	process	NOUN
fbem-32826	44	17	and	and	CCONJ
fbem-32826	44	18	other	other	ADJ
fbem-32826	44	19	data	datum	NOUN
fbem-32826	44	20	,	,	PUNCT
fbem-32826	44	21	we	we	PRON
fbem-32826	44	22	can	can	AUX
fbem-32826	44	23	monitor	monitor	VERB
fbem-32826	44	24	whether	whether	SCONJ
fbem-32826	44	25	there	there	PRON
fbem-32826	44	26	are	be	VERB
fbem-32826	44	27	abnormal	abnormal	ADJ
fbem-32826	44	28	operations	operation	NOUN
fbem-32826	44	29	that	that	PRON
fbem-32826	44	30	violate	violate	VERB
fbem-32826	44	31	the	the	DET
fbem-32826	44	32	authority	authority	NOUN
fbem-32826	44	33	division	division	NOUN
fbem-32826	44	34	or	or	CCONJ
fbem-32826	44	35	internal	internal	ADJ
fbem-32826	44	36	regulations	regulation	NOUN
fbem-32826	44	37	,	,	PUNCT
fbem-32826	44	38	and	and	CCONJ
fbem-32826	44	39	achieve	achieve	VERB
fbem-32826	44	40	the	the	DET
fbem-32826	44	41	prevention	prevention	NOUN
fbem-32826	44	42	of	of	ADP
fbem-32826	44	43	internal	internal	ADJ
fbem-32826	44	44	fraud	fraud	NOUN
fbem-32826	44	45	and	and	CCONJ
fbem-32826	44	46	process	process	NOUN
fbem-32826	44	47	failure	failure	NOUN
fbem-32826	44	48	.	.	PUNCT
fbem-32826	45	1	for	for	ADP
fbem-32826	45	2	business	business	NOUN
fbem-32826	45	3	interruption	interruption	NOUN
fbem-32826	45	4	risks	risk	NOUN
fbem-32826	45	5	caused	cause	VERB
fbem-32826	45	6	by	by	ADP
fbem-32826	45	7	system	system	NOUN
fbem-32826	45	8	failures	failure	NOUN
fbem-32826	45	9	or	or	CCONJ
fbem-32826	45	10	external	external	ADJ
fbem-32826	45	11	events	event	NOUN
fbem-32826	45	12	,	,	PUNCT
fbem-32826	45	13	data	datum	NOUN
fbem-32826	45	14	analysis	analysis	NOUN
fbem-32826	45	15	can	can	AUX
fbem-32826	45	16	help	help	VERB
fbem-32826	45	17	organizations	organization	NOUN
fbem-32826	45	18	analyze	analyze	VERB
fbem-32826	45	19	the	the	DET
fbem-32826	45	20	vulnerabilities	vulnerability	NOUN
fbem-32826	45	21	of	of	ADP
fbem-32826	45	22	it	it	PRON
fbem-32826	45	23	systems	system	NOUN
fbem-32826	45	24	,	,	PUNCT
fbem-32826	45	25	assess	assess	VERB
fbem-32826	45	26	their	their	PRON
fbem-32826	45	27	impact	impact	NOUN
fbem-32826	45	28	areas	area	NOUN
fbem-32826	45	29	,	,	PUNCT
fbem-32826	45	30	and	and	CCONJ
fbem-32826	45	31	optimize	optimize	VERB
fbem-32826	45	32	disaster	disaster	NOUN
fbem-32826	45	33	recovery	recovery	NOUN
fbem-32826	45	34	plans	plan	NOUN
fbem-32826	45	35	.	.	PUNCT
fbem-32826	46	1	overall	overall	ADV
fbem-32826	46	2	,	,	PUNCT
fbem-32826	46	3	data	datum	NOUN
fbem-32826	46	4	analysis	analysis	NOUN
fbem-32826	46	5	shifts	shift	NOUN
fbem-32826	46	6	operational	operational	ADJ
fbem-32826	46	7	risk	risk	NOUN
fbem-32826	46	8	management	management	NOUN
fbem-32826	46	9	from	from	ADP
fbem-32826	46	10	loss	loss	NOUN
fbem-32826	46	11	recording	recording	NOUN
fbem-32826	46	12	and	and	CCONJ
fbem-32826	46	13	accountability	accountability	NOUN
fbem-32826	46	14	after	after	ADP
fbem-32826	46	15	the	the	DET
fbem-32826	46	16	event	event	NOUN
fbem-32826	46	17	to	to	ADP
fbem-32826	46	18	early	early	ADJ
fbem-32826	46	19	warning	warning	NOUN
fbem-32826	46	20	and	and	CCONJ
fbem-32826	46	21	prevention	prevention	NOUN
fbem-32826	46	22	in	in	ADP
fbem-32826	46	23	advance	advance	NOUN
fbem-32826	46	24	and	and	CCONJ
fbem-32826	46	25	real	real	ADJ
fbem-32826	46	26	-time	-time	PROPN
fbem-32826	46	27	intervention	intervention	NOUN
fbem-32826	46	28	in	in	ADP
fbem-32826	46	29	the	the	DET
fbem-32826	46	30	event	event	NOUN
fbem-32826	46	31	,	,	PUNCT
fbem-32826	46	32	which	which	PRON
fbem-32826	46	33	enhances	enhance	VERB
fbem-32826	46	34	the	the	DET
fbem-32826	46	35	robustness	robustness	NOUN
fbem-32826	46	36	and	and	CCONJ
fbem-32826	46	37	compliance	compliance	NOUN
fbem-32826	46	38	of	of	ADP
fbem-32826	46	39	institutional	institutional	ADJ
fbem-32826	46	40	operations	operation	NOUN
fbem-32826	46	41	.	.	PUNCT
fbem-32826	47	1	4	4	X
fbem-32826	47	2	.	.	X
fbem-32826	47	3	path	path	NOUN
fbem-32826	47	4	suggestions	suggestion	NOUN
fbem-32826	47	5	for	for	ADP
fbem-32826	47	6	optimizing	optimize	VERB
fbem-32826	47	7	the	the	DET
fbem-32826	47	8	application	application	NOUN
fbem-32826	47	9	of	of	ADP
fbem-32826	47	10	data	datum	NOUN
fbem-32826	47	11	analysis	analysis	NOUN
fbem-32826	47	12	in	in	ADP
fbem-32826	47	13	risk	risk	NOUN
fbem-32826	47	14	control	control	NOUN
fbem-32826	47	15	4.1	4.1	NUM
fbem-32826	47	16	.	.	PUNCT
fbem-32826	48	1	improve	improve	VERB
fbem-32826	48	2	the	the	DET
fbem-32826	48	3	data	datum	NOUN
fbem-32826	48	4	governance	governance	NOUN
fbem-32826	48	5	system	system	NOUN
fbem-32826	48	6	data	datum	NOUN
fbem-32826	48	7	is	be	AUX
fbem-32826	48	8	the	the	DET
fbem-32826	48	9	cornerstone	cornerstone	NOUN
fbem-32826	48	10	of	of	ADP
fbem-32826	48	11	driving	drive	VERB
fbem-32826	48	12	the	the	DET
fbem-32826	48	13	efficient	efficient	ADJ
fbem-32826	48	14	operation	operation	NOUN
fbem-32826	48	15	of	of	ADP
fbem-32826	48	16	modern	modern	ADJ
fbem-32826	48	17	risk	risk	NOUN
fbem-32826	48	18	control	control	NOUN
fbem-32826	48	19	models	model	NOUN
fbem-32826	48	20	,	,	PUNCT
fbem-32826	48	21	and	and	CCONJ
fbem-32826	48	22	its	its	PRON
fbem-32826	48	23	quality	quality	NOUN
fbem-32826	48	24	and	and	CCONJ
fbem-32826	48	25	governance	governance	NOUN
fbem-32826	48	26	level	level	NOUN
fbem-32826	48	27	directly	directly	ADV
fbem-32826	48	28	determine	determine	VERB
fbem-32826	48	29	the	the	DET
fbem-32826	48	30	reliability	reliability	NOUN
fbem-32826	48	31	and	and	CCONJ
fbem-32826	48	32	effectiveness	effectiveness	NOUN
fbem-32826	48	33	of	of	ADP
fbem-32826	48	34	data	datum	NOUN
fbem-32826	48	35	analysis	analysis	NOUN
fbem-32826	48	36	results	result	NOUN
fbem-32826	48	37	.	.	PUNCT
fbem-32826	49	1	therefore	therefore	ADV
fbem-32826	49	2	,	,	PUNCT
fbem-32826	49	3	improving	improve	VERB
fbem-32826	49	4	the	the	DET
fbem-32826	49	5	data	data	NOUN
fbem-32826	49	6	governance	governance	NOUN
fbem-32826	49	7	system	system	NOUN
fbem-32826	49	8	is	be	AUX
fbem-32826	49	9	the	the	DET
fbem-32826	49	10	first	first	ADJ
fbem-32826	49	11	prerequisite	prerequisite	NOUN
fbem-32826	49	12	and	and	CCONJ
fbem-32826	49	13	basic	basic	ADJ
fbem-32826	49	14	project	project	NOUN
fbem-32826	49	15	to	to	PART
fbem-32826	49	16	optimize	optimize	VERB
fbem-32826	49	17	the	the	DET
fbem-32826	49	18	application	application	NOUN
fbem-32826	49	19	of	of	ADP
fbem-32826	49	20	data	datum	NOUN
fbem-32826	49	21	analysis	analysis	NOUN
fbem-32826	49	22	in	in	ADP
fbem-32826	49	23	risk	risk	NOUN
fbem-32826	49	24	control	control	NOUN
fbem-32826	49	25	.	.	PUNCT
fbem-32826	50	1	at	at	ADP
fbem-32826	50	2	present	present	ADJ
fbem-32826	50	3	,	,	PUNCT
fbem-32826	50	4	many	many	ADJ
fbem-32826	50	5	financial	financial	ADJ
fbem-32826	50	6	institutions	institution	NOUN
fbem-32826	50	7	are	be	AUX
fbem-32826	50	8	still	still	ADV
fbem-32826	50	9	facing	face	VERB
fbem-32826	50	10	challenges	challenge	NOUN
fbem-32826	50	11	in	in	ADP
fbem-32826	50	12	the	the	DET
fbem-32826	50	13	field	field	NOUN
fbem-32826	50	14	of	of	ADP
fbem-32826	50	15	data	datum	NOUN
fbem-32826	50	16	,	,	PUNCT
fbem-32826	50	17	such	such	ADJ
fbem-32826	50	18	as	as	ADP
fbem-32826	50	19	inconsistent	inconsistent	ADJ
fbem-32826	50	20	data	datum	NOUN
fbem-32826	50	21	standards	standard	NOUN
fbem-32826	50	22	,	,	PUNCT
fbem-32826	50	23	uneven	uneven	ADJ
fbem-32826	50	24	quality	quality	NOUN
fbem-32826	50	25	,	,	PUNCT
fbem-32826	50	26	serious	serious	ADJ
fbem-32826	50	27	data	datum	NOUN
fbem-32826	50	28	islands	island	NOUN
fbem-32826	50	29	and	and	CCONJ
fbem-32826	50	30	prominent	prominent	ADJ
fbem-32826	50	31	compliance	compliance	NOUN
fbem-32826	50	32	risks	risk	NOUN
fbem-32826	50	33	,	,	PUNCT
fbem-32826	50	34	which	which	PRON
fbem-32826	50	35	greatly	greatly	ADV
fbem-32826	50	36	restrict	restrict	VERB
fbem-32826	50	37	the	the	DET
fbem-32826	50	38	maximization	maximization	NOUN
fbem-32826	50	39	of	of	ADP
fbem-32826	50	40	data	datum	NOUN
fbem-32826	50	41	analysis	analysis	NOUN
fbem-32826	50	42	efficiency	efficiency	NOUN
fbem-32826	50	43	.	.	PUNCT
fbem-32826	51	1	to	to	PART
fbem-32826	51	2	build	build	VERB
fbem-32826	51	3	a	a	DET
fbem-32826	51	4	sound	sound	ADJ
fbem-32826	51	5	and	and	CCONJ
fbem-32826	51	6	efficient	efficient	ADJ
fbem-32826	51	7	data	datum	NOUN
fbem-32826	51	8	governance	governance	NOUN
fbem-32826	51	9	system	system	NOUN
fbem-32826	51	10	,	,	PUNCT
fbem-32826	51	11	we	we	PRON
fbem-32826	51	12	need	need	VERB
fbem-32826	51	13	to	to	PART
fbem-32826	51	14	carry	carry	VERB
fbem-32826	51	15	out	out	ADP
fbem-32826	51	16	top	top	ADJ
fbem-32826	51	17	-level	-level	NOUN
fbem-32826	51	18	design	design	NOUN
fbem-32826	51	19	from	from	ADP
fbem-32826	51	20	a	a	DET
fbem-32826	51	21	strategic	strategic	ADJ
fbem-32826	51	22	perspective	perspective	NOUN
fbem-32826	51	23	and	and	CCONJ
fbem-32826	51	24	systematically	systematically	ADV
fbem-32826	51	25	so	so	ADV
fbem-32826	51	26	lve	lve	VERB
fbem-32826	51	27	all	all	DET
fbem-32826	51	28	kinds	kind	NOUN
fbem-32826	51	29	of	of	ADP
fbem-32826	51	30	problems	problem	NOUN
fbem-32826	51	31	in	in	ADP
fbem-32826	51	32	the	the	DET
fbem-32826	51	33	whole	whole	ADJ
fbem-32826	51	34	life	life	NOUN
fbem-32826	51	35	cycle	cycle	NOUN
fbem-32826	51	36	of	of	ADP
fbem-32826	51	37	data	datum	NOUN
fbem-32826	51	38	collection	collection	NOUN
fbem-32826	51	39	,	,	PUNCT
fbem-32826	51	40	integration	integration	NOUN
fbem-32826	51	41	and	and	CCONJ
fbem-32826	51	42	application	application	NOUN
fbem-32826	51	43	.	.	PUNCT
fbem-32826	52	1	the	the	DET
fbem-32826	52	2	core	core	ADJ
fbem-32826	52	3	goal	goal	NOUN
fbem-32826	52	4	of	of	ADP
fbem-32826	52	5	data	datum	NOUN
fbem-32826	52	6	governance	governance	NOUN
fbem-32826	52	7	is	be	AUX
fbem-32826	52	8	to	to	PART
fbem-32826	52	9	ensure	ensure	VERB
fbem-32826	52	10	the	the	DET
fbem-32826	52	11	accuracy	accuracy	NOUN
fbem-32826	52	12	,	,	PUNCT
fbem-32826	52	13	consistency	consistency	NOUN
fbem-32826	52	14	,	,	PUNCT
fbem-32826	52	15	integrity	integrity	NOUN
fbem-32826	52	16	,	,	PUNCT
fbem-32826	52	17	and	and	CCONJ
fbem-32826	52	18	availability	availability	NOUN
fbem-32826	52	19	of	of	ADP
fbem-32826	52	20	data	datum	NOUN
fbem-32826	52	21	.	.	PUNCT
fbem-32826	53	1	institutions	institution	NOUN
fbem-32826	53	2	should	should	AUX
fbem-32826	53	3	establish	establish	VERB
fbem-32826	53	4	enterprise	enterprise	NOUN
fbem-32826	53	5	level	level	NOUN
fbem-32826	53	6	data	datum	NOUN
fbem-32826	53	7	governance	governance	NOUN
fbem-32826	53	8	committees	committee	NOUN
fbem-32826	53	9	,	,	PUNCT
fbem-32826	53	10	formulate	formulate	VERB
fbem-32826	53	11	unified	unified	ADJ
fbem-32826	53	12	data	data	NOUN
fbem-32826	53	13	standards	standard	NOUN
fbem-32826	53	14	and	and	CCONJ
fbem-32826	53	15	norms	norm	NOUN
fbem-32826	53	16	,	,	PUNCT
fbem-32826	53	17	clarify	clarify	VERB
fbem-32826	53	18	data	datum	NOUN
fbem-32826	53	19	ownership	ownership	NOUN
fbem-32826	53	20	and	and	CCONJ
fbem-32826	53	21	management	management	NOUN
fbem-32826	53	22	responsibilities	responsibility	NOUN
fbem-32826	53	23	,	,	PUNCT
fbem-32826	53	24	and	and	CCONJ
fbem-32826	53	25	form	form	VERB
fbem-32826	53	26	a	a	DET
fbem-32826	53	27	cross	cross	ADJ
fbem-32826	53	28	-	-	ADJ
fbem-32826	53	29	sectoral	sectoral	ADJ
fbem-32826	53	30	data	datum	NOUN
fbem-32826	53	31	management	management	NOUN
fbem-32826	53	32	coordination	coordination	NOUN
fbem-32826	53	33	mechanism	mechanism	NOUN
fbem-32826	53	34	.	.	PUNCT
fbem-32826	54	1	through	through	ADP
fbem-32826	54	2	the	the	DET
fbem-32826	54	3	implementation	implementation	NOUN
fbem-32826	54	4	of	of	ADP
fbem-32826	54	5	data	datum	NOUN
fbem-32826	54	6	quality	quality	NOUN
fbem-32826	54	7	monitoring	monitoring	NOUN
fbem-32826	54	8	and	and	CCONJ
fbem-32826	54	9	continuous	continuous	ADJ
fbem-32826	54	10	improvement	improvement	NOUN
fbem-32826	54	11	process	process	NOUN
fbem-32826	54	12	,	,	PUNCT
fbem-32826	54	13	the	the	DET
fbem-32826	54	14	data	data	NOUN
fbem-32826	54	15	source	source	NOUN
fbem-32826	54	16	is	be	AUX
fbem-32826	54	17	strictly	strictly	ADV
fbem-32826	54	18	checked	check	VERB
fbem-32826	54	19	and	and	CCONJ
fbem-32826	54	20	cleaned	clean	VERB
fbem-32826	54	21	,	,	PUNCT
fbem-32826	54	22	and	and	CCONJ
fbem-32826	54	23	the	the	DET
fbem-32826	54	24	wrong	wrong	ADJ
fbem-32826	54	25	data	datum	NOUN
fbem-32826	54	26	and	and	CCONJ
fbem-32826	54	27	information	information	NOUN
fbem-32826	54	28	missing	miss	VERB
fbem-32826	54	29	are	be	AUX
fbem-32826	54	30	found	find	VERB
fbem-32826	54	31	and	and	CCONJ
fbem-32826	54	32	corrected	correct	VERB
fbem-32826	54	33	in	in	ADP
fbem-32826	54	34	time	time	NOUN
fbem-32826	54	35	,	,	PUNCT
fbem-32826	54	36	so	so	SCONJ
fbem-32826	54	37	as	as	SCONJ
fbem-32826	54	38	to	to	PART
fbem-32826	54	39	fundamentally	fundamentally	ADV
fbem-32826	54	40	improve	improve	VERB
fbem-32826	54	41	the	the	DET
fbem-32826	54	42	purity	purity	NOUN
fbem-32826	54	43	of	of	ADP
fbem-32826	54	44	data	datum	NOUN
fbem-32826	54	45	raw	raw	ADJ
fbem-32826	54	46	materials	material	NOUN
fbem-32826	54	47	used	use	VERB
fbem-32826	54	48	for	for	ADP
fbem-32826	54	49	risk	risk	NOUN
fbem-32826	54	50	modeling	modeling	NOUN
fbem-32826	54	51	.	.	PUNCT
fbem-32826	55	1	at	at	ADP
fbem-32826	55	2	the	the	DET
fbem-32826	55	3	same	same	ADJ
fbem-32826	55	4	time	time	NOUN
fbem-32826	55	5	,	,	PUNCT
fbem-32826	55	6	we	we	PRON
fbem-32826	55	7	must	must	AUX
fbem-32826	55	8	break	break	VERB
fbem-32826	55	9	the	the	DET
fbem-32826	55	10	data	data	NOUN
fbem-32826	55	11	barriers	barrier	NOUN
fbem-32826	55	12	between	between	ADP
fbem-32826	55	13	different	different	ADJ
fbem-32826	55	14	business	business	NOUN
fbem-32826	55	15	lines	line	NOUN
fbem-32826	55	16	and	and	CCONJ
fbem-32826	55	17	departments	department	NOUN
fbem-32826	55	18	,	,	PUNCT
fbem-32826	55	19	build	build	VERB
fbem-32826	55	20	a	a	DET
fbem-32826	55	21	logical	logical	ADJ
fbem-32826	55	22	or	or	CCONJ
fbem-32826	55	23	physical	physical	ADJ
fbem-32826	55	24	centralized	centralize	VERB
fbem-32826	55	25	data	datum	NOUN
fbem-32826	55	26	platform	platform	NOUN
fbem-32826	55	27	or	or	CCONJ
fbem-32826	55	28	data	datum	NOUN
fbem-32826	55	29	warehouse	warehouse	NOUN
fbem-32826	55	30	,	,	PUNCT
fbem-32826	55	31	realize	realize	VERB
fbem-32826	55	32	the	the	DET
fbem-32826	55	33	effective	effective	ADJ
fbem-32826	55	34	integration	integration	NOUN
fbem-32826	55	35	and	and	CCONJ
fbem-32826	55	36	sharing	sharing	NOUN
fbem-32826	55	37	of	of	ADP
fbem-32826	55	38	internal	internal	ADJ
fbem-32826	55	39	and	and	CCONJ
fbem-32826	55	40	external	external	ADJ
fbem-32826	55	41	data	datum	NOUN
fbem-32826	55	42	,	,	PUNCT
fbem-32826	55	43	and	and	CCONJ
fbem-32826	55	44	provide	provide	VERB
fbem-32826	55	45	a	a	DET
fbem-32826	55	46	comprehensive	comprehensive	ADJ
fbem-32826	55	47	and	and	CCONJ
fbem-32826	55	48	multi	multi	ADJ
fbem-32826	55	49	-	-	ADJ
fbem-32826	55	50	dimensional	dimensional	ADJ
fbem-32826	55	51	perspective	perspective	NOUN
fbem-32826	55	52	for	for	ADP
fbem-32826	55	53	risk	risk	NOUN
fbem-32826	55	54	analysis	analysis	NOUN
fbem-32826	55	55	.	.	PUNCT
fbem-32826	56	1	4.2	4.2	NUM
fbem-32826	56	2	.	.	PUNCT
fbem-32826	57	1	strengthen	strengthen	VERB
fbem-32826	57	2	technological	technological	ADJ
fbem-32826	57	3	innovation	innovation	NOUN
fbem-32826	57	4	the	the	DET
fbem-32826	57	5	dynamic	dynamic	ADJ
fbem-32826	57	6	evolution	evolution	NOUN
fbem-32826	57	7	of	of	ADP
fbem-32826	57	8	the	the	DET
fbem-32826	57	9	current	current	ADJ
fbem-32826	57	10	risk	risk	NOUN
fbem-32826	57	11	situation	situation	NOUN
fbem-32826	57	12	has	have	AUX
fbem-32826	57	13	put	put	VERB
fbem-32826	57	14	forward	forward	ADV
fbem-32826	57	15	higher	high	ADJ
fbem-32826	57	16	requirements	requirement	NOUN
fbem-32826	57	17	for	for	ADP
fbem-32826	57	18	the	the	DET
fbem-32826	57	19	depth	depth	NOUN
fbem-32826	57	20	and	and	CCONJ
fbem-32826	57	21	breadth	breadth	NOUN
fbem-32826	57	22	of	of	ADP
fbem-32826	57	23	analysis	analysis	NOUN
fbem-32826	57	24	technology	technology	NOUN
fbem-32826	57	25	,	,	PUNCT
fbem-32826	57	26	and	and	CCONJ
fbem-32826	57	27	it	it	PRON
fbem-32826	57	28	is	be	AUX
fbem-32826	57	29	difficult	difficult	ADJ
fbem-32826	57	30	to	to	PART
fbem-32826	57	31	cope	cope	VERB
fbem-32826	57	32	with	with	ADP
fbem-32826	57	33	the	the	DET
fbem-32826	57	34	increasingly	increasingly	ADV
fbem-32826	57	35	complex	complex	ADJ
fbem-32826	57	36	risk	risk	NOUN
fbem-32826	57	37	scenarios	scenario	NOUN
fbem-32826	57	38	by	by	ADP
fbem-32826	57	39	relying	rely	VERB
fbem-32826	57	40	on	on	ADP
fbem-32826	57	41	a	a	DET
fbem-32826	57	42	single	single	ADJ
fbem-32826	57	43	model	model	NOUN
fbem-32826	57	44	or	or	CCONJ
fbem-32826	57	45	traditional	traditional	ADJ
fbem-32826	57	46	algorithms	algorithm	NOUN
fbem-32826	57	47	.	.	PUNCT
fbem-32826	58	1	the	the	DET
fbem-32826	58	2	direction	direction	NOUN
fbem-32826	58	3	of	of	ADP
fbem-32826	58	4	technological	technological	ADJ
fbem-32826	58	5	innovation	innovation	NOUN
fbem-32826	58	6	should	should	AUX
fbem-32826	58	7	focus	focus	VERB
fbem-32826	58	8	on	on	ADP
fbem-32826	58	9	improving	improve	VERB
fbem-32826	58	10	the	the	DET
fbem-32826	58	11	intelligence	intelligence	NOUN
fbem-32826	58	12	level	level	NOUN
fbem-32826	58	13	,	,	PUNCT
fbem-32826	58	14	computational	computational	ADJ
fbem-32826	58	15	efficiency	efficiency	NOUN
fbem-32826	58	16	and	and	CCONJ
fbem-32826	58	17	the	the	DET
fbem-32826	58	18	ability	ability	NOUN
fbem-32826	58	19	to	to	PART
fbem-32826	58	20	capture	capture	VERB
fbem-32826	58	21	complex	complex	ADJ
fbem-32826	58	22	risk	risk	NOUN
fbem-32826	58	23	patterns	pattern	NOUN
fbem-32826	58	24	of	of	ADP
fbem-32826	58	25	the	the	DET
fbem-32826	58	26	model	model	NOUN
fbem-32826	58	27	,	,	PUNCT
fbem-32826	58	28	and	and	CCONJ
fbem-32826	58	29	promote	promote	VERB
fbem-32826	58	30	the	the	DET
fbem-32826	58	31	evolution	evolution	NOUN
fbem-32826	58	32	of	of	ADP
fbem-32826	58	33	risk	risk	NOUN
fbem-32826	58	34	management	management	NOUN
fbem-32826	58	35	system	system	NOUN
fbem-32826	58	36	from	from	ADP
fbem-32826	58	37	assistan	assistan	PROPN
fbem-32826	58	38	t	t	PROPN
fbem-32826	58	39	decisionmaking	decisionmake	VERB
fbem-32826	58	40	to	to	ADP
fbem-32826	58	41	intelligent	intelligent	ADJ
fbem-32826	58	42	autonomous	autonomous	ADJ
fbem-32826	58	43	decision	decision	NOUN
fbem-32826	58	44	-making	-making	NOUN
fbem-32826	58	45	.	.	PUNCT
fbem-32826	59	1	this	this	PRON
fbem-32826	59	2	requires	require	VERB
fbem-32826	59	3	organizations	organization	NOUN
fbem-32826	59	4	not	not	PART
fbem-32826	59	5	only	only	ADV
fbem-32826	59	6	to	to	PART
fbem-32826	59	7	focus	focus	VERB
fbem-32826	59	8	on	on	ADP
fbem-32826	59	9	the	the	DET
fbem-32826	59	10	optimization	optimization	NOUN
fbem-32826	59	11	9	9	NUM
fbem-32826	59	12	of	of	ADP
fbem-32826	59	13	the	the	DET
fbem-32826	59	14	algorithm	algorithm	NOUN
fbem-32826	59	15	itself	itself	PRON
fbem-32826	59	16	,	,	PUNCT
fbem-32826	59	17	but	but	CCONJ
fbem-32826	59	18	also	also	ADV
fbem-32826	59	19	to	to	PART
fbem-32826	59	20	build	build	VERB
fbem-32826	59	21	the	the	DET
fbem-32826	59	22	underlying	underlie	VERB
fbem-32826	59	23	architecture	architecture	NOUN
fbem-32826	59	24	and	and	CCONJ
fbem-32826	59	25	r	r	NOUN
fbem-32826	59	26	&	&	CCONJ
fbem-32826	59	27	d	d	PROPN
fbem-32826	59	28	environment	environment	NOUN
fbem-32826	59	29	that	that	PRON
fbem-32826	59	30	supports	support	VERB
fbem-32826	59	31	rapid	rapid	ADJ
fbem-32826	59	32	iteration	iteration	NOUN
fbem-32826	59	33	of	of	ADP
fbem-32826	59	34	technology	technology	NOUN
fbem-32826	59	35	.	.	PUNCT
fbem-32826	60	1	at	at	ADP
fbem-32826	60	2	the	the	DET
fbem-32826	60	3	level	level	NOUN
fbem-32826	60	4	of	of	ADP
fbem-32826	60	5	model	model	NOUN
fbem-32826	60	6	algorithm	algorithm	NOUN
fbem-32826	60	7	,	,	PUNCT
fbem-32826	60	8	we	we	PRON
fbem-32826	60	9	should	should	AUX
fbem-32826	60	10	actively	actively	ADV
fbem-32826	60	11	explore	explore	VERB
fbem-32826	60	12	and	and	CCONJ
fbem-32826	60	13	introduce	introduce	VERB
fbem-32826	60	14	more	more	ADV
fbem-32826	60	15	advanced	advanced	ADJ
fbem-32826	60	16	machine	machine	NOUN
fbem-32826	60	17	learning	learning	NOUN
fbem-32826	60	18	and	and	CCONJ
fbem-32826	60	19	artificial	artificial	ADJ
fbem-32826	60	20	intelligence	intelligence	NOUN
fbem-32826	60	21	technology	technology	NOUN
fbem-32826	60	22	.	.	PUNCT
fbem-32826	61	1	deep	deep	ADJ
fbem-32826	61	2	learning	learning	NOUN
fbem-32826	61	3	model	model	NOUN
fbem-32826	61	4	has	have	VERB
fbem-32826	61	5	significant	significant	ADJ
fbem-32826	61	6	advantages	advantage	NOUN
fbem-32826	61	7	in	in	ADP
fbem-32826	61	8	processing	process	VERB
fbem-32826	61	9	unstructured	unstructured	ADJ
fbem-32826	61	10	data	datum	NOUN
fbem-32826	61	11	,	,	PUNCT
fbem-32826	61	12	such	such	ADJ
fbem-32826	61	13	as	as	ADP
fbem-32826	61	14	image	image	NOUN
fbem-32826	61	15	,	,	PUNCT
fbem-32826	61	16	text	text	NOUN
fbem-32826	61	17	and	and	CCONJ
fbem-32826	61	18	voice	voice	NOUN
fbem-32826	61	19	information	information	NOUN
fbem-32826	61	20	,	,	PUNCT
fbem-32826	61	21	and	and	CCONJ
fbem-32826	61	22	can	can	AUX
fbem-32826	61	23	automatically	automatically	ADV
fbem-32826	61	24	extract	extract	VERB
fbem-32826	61	25	high	high	ADJ
fbem-32826	61	26	-risk	-risk	PROPN
fbem-32826	61	27	features	feature	NOUN
fbem-32826	61	28	from	from	ADP
fbem-32826	61	29	massive	massive	ADJ
fbem-32826	61	30	heterogeneous	heterogeneous	ADJ
fbem-32826	61	31	data	datum	NOUN
fbem-32826	61	32	to	to	PART
fbem-32826	61	33	make	make	VERB
fbem-32826	61	34	up	up	ADP
fbem-32826	61	35	for	for	ADP
fbem-32826	61	36	the	the	DET
fbem-32826	61	37	blind	blind	ADJ
fbem-32826	61	38	area	area	NOUN
fbem-32826	61	39	of	of	ADP
fbem-32826	61	40	traditional	traditional	ADJ
fbem-32826	61	41	wind	wind	NOUN
fbem-32826	61	42	control	control	NOUN
fbem-32826	61	43	model	model	NOUN
fbem-32826	61	44	.	.	PUNCT
fbem-32826	62	1	the	the	DET
fbem-32826	62	2	ensemble	ensemble	ADJ
fbem-32826	62	3	learning	learning	NOUN
fbem-32826	62	4	method	method	NOUN
fbem-32826	62	5	is	be	AUX
fbem-32826	62	6	a	a	DET
fbem-32826	62	7	way	way	NOUN
fbem-32826	62	8	to	to	PART
fbem-32826	62	9	combine	combine	VERB
fbem-32826	62	10	multiple	multiple	ADJ
fbem-32826	62	11	weak	weak	ADJ
fbem-32826	62	12	learners	learner	NOUN
fbem-32826	62	13	to	to	PART
fbem-32826	62	14	effectively	effectively	ADV
fbem-32826	62	15	improve	improve	VERB
fbem-32826	62	16	the	the	DET
fbem-32826	62	17	overall	overall	ADJ
fbem-32826	62	18	prediction	prediction	NOUN
fbem-32826	62	19	accuracy	accuracy	NOUN
fbem-32826	62	20	and	and	CCONJ
fbem-32826	62	21	stability	stability	NOUN
fbem-32826	62	22	of	of	ADP
fbem-32826	62	23	the	the	DET
fbem-32826	62	24	model	model	NOUN
fbem-32826	62	25	.	.	PUNCT
fbem-32826	63	1	graph	graph	NOUN
fbem-32826	63	2	neural	neural	ADJ
fbem-32826	63	3	network	network	NOUN
fbem-32826	63	4	technology	technology	NOUN
fbem-32826	63	5	has	have	VERB
fbem-32826	63	6	a	a	DET
fbem-32826	63	7	special	special	ADJ
fbem-32826	63	8	value	value	NOUN
fbem-32826	63	9	in	in	ADP
fbem-32826	63	10	explaining	explain	VERB
fbem-32826	63	11	complex	complex	ADJ
fbem-32826	63	12	relationships	relationship	NOUN
fbem-32826	63	13	among	among	ADP
fbem-32826	63	14	entities	entity	NOUN
fbem-32826	63	15	and	and	CCONJ
fbem-32826	63	16	discovering	discover	VERB
fbem-32826	63	17	potential	potential	ADJ
fbem-32826	63	18	fraud	fraud	NOUN
fbem-32826	63	19	gangs	gang	NOUN
fbem-32826	63	20	or	or	CCONJ
fbem-32826	63	21	risk	risk	NOUN
fbem-32826	63	22	contagion	contagion	NOUN
fbem-32826	63	23	paths	path	NOUN
fbem-32826	63	24	.	.	PUNCT
fbem-32826	64	1	we	we	PRON
fbem-32826	64	2	must	must	AUX
fbem-32826	64	3	also	also	ADV
fbem-32826	64	4	attach	attach	VERB
fbem-32826	64	5	great	great	ADJ
fbem-32826	64	6	importance	importance	NOUN
fbem-32826	64	7	to	to	ADP
fbem-32826	64	8	the	the	DET
fbem-32826	64	9	technological	technological	ADJ
fbem-32826	64	10	innovation	innovation	NOUN
fbem-32826	64	11	on	on	ADP
fbem-32826	64	12	the	the	DET
fbem-32826	64	13	interpretability	interpretability	NOUN
fbem-32826	64	14	of	of	ADP
fbem-32826	64	15	models	model	NOUN
fbem-32826	64	16	and	and	CCONJ
fbem-32826	64	17	develop	develop	VERB
fbem-32826	64	18	tools	tool	NOUN
fbem-32826	64	19	and	and	CCONJ
fbem-32826	64	20	methods	method	NOUN
fbem-32826	64	21	that	that	PRON
fbem-32826	64	22	can	can	AUX
fbem-32826	64	23	explain	explain	VERB
fbem-32826	64	24	the	the	DET
fbem-32826	64	25	logic	logic	NOUN
fbem-32826	64	26	of	of	ADP
fbem-32826	64	27	model	model	NOUN
fbem-32826	64	28	decisions	decision	NOUN
fbem-32826	64	29	clearly	clearly	ADV
fbem-32826	64	30	and	and	CCONJ
fbem-32826	64	31	transparently	transparently	ADV
fbem-32826	64	32	.	.	PUNCT
fbem-32826	65	1	at	at	ADP
fbem-32826	65	2	the	the	DET
fbem-32826	65	3	level	level	NOUN
fbem-32826	65	4	of	of	ADP
fbem-32826	65	5	technical	technical	ADJ
fbem-32826	65	6	infrastructure	infrastructure	NOUN
fbem-32826	65	7	and	and	CCONJ
fbem-32826	65	8	architecture	architecture	NOUN
fbem-32826	65	9	,	,	PUNCT
fbem-32826	65	10	cloud	cloud	NOUN
fbem-32826	65	11	computing	computing	NOUN
fbem-32826	65	12	and	and	CCONJ
fbem-32826	65	13	edge	edge	NOUN
fbem-32826	65	14	computation	computation	NOUN
fbem-32826	65	15	technology	technology	NOUN
fbem-32826	65	16	provide	provide	VERB
fbem-32826	65	17	unprecedented	unprecedented	ADJ
fbem-32826	65	18	elastic	elastic	ADJ
fbem-32826	65	19	computing	computing	NOUN
fbem-32826	65	20	power	power	NOUN
fbem-32826	65	21	and	and	CCONJ
fbem-32826	65	22	real	real	ADJ
fbem-32826	65	23	-	-	PUNCT
fbem-32826	65	24	time	time	NOUN
fbem-32826	65	25	processing	processing	NOUN
fbem-32826	65	26	possibilities	possibility	NOUN
fbem-32826	65	27	for	for	ADP
fbem-32826	65	28	risk	risk	NOUN
fbem-32826	65	29	control	control	NOUN
fbem-32826	65	30	.	.	PUNCT
fbem-32826	66	1	by	by	ADP
fbem-32826	66	2	using	use	VERB
fbem-32826	66	3	the	the	DET
fbem-32826	66	4	distributed	distribute	VERB
fbem-32826	66	5	computing	computing	NOUN
fbem-32826	66	6	capability	capability	NOUN
fbem-32826	66	7	of	of	ADP
fbem-32826	66	8	cloud	cloud	NOUN
fbem-32826	66	9	platform	platform	NOUN
fbem-32826	66	10	,	,	PUNCT
fbem-32826	66	11	the	the	DET
fbem-32826	66	12	training	training	NOUN
fbem-32826	66	13	and	and	CCONJ
fbem-32826	66	14	iteration	iteration	NOUN
fbem-32826	66	15	cycle	cycle	NOUN
fbem-32826	66	16	of	of	ADP
fbem-32826	66	17	complex	complex	ADJ
fbem-32826	66	18	risk	risk	NOUN
fbem-32826	66	19	model	model	NOUN
fbem-32826	66	20	can	can	AUX
fbem-32826	66	21	be	be	AUX
fbem-32826	66	22	greatly	greatly	ADV
fbem-32826	66	23	shortened	shorten	VERB
fbem-32826	66	24	,	,	PUNCT
fbem-32826	66	25	and	and	CCONJ
fbem-32826	66	26	the	the	DET
fbem-32826	66	27	efficient	efficient	ADJ
fbem-32826	66	28	processing	processing	NOUN
fbem-32826	66	29	of	of	ADP
fbem-32826	66	30	large	large	ADJ
fbem-32826	66	31	-scale	-scale	NOUN
fbem-32826	66	32	data	data	NOUN
fbem-32826	66	33	sets	set	NOUN
fbem-32826	66	34	can	can	AUX
fbem-32826	66	35	be	be	AUX
fbem-32826	66	36	realized	realize	VERB
fbem-32826	66	37	.	.	PUNCT
fbem-32826	67	1	4.3	4.3	NUM
fbem-32826	67	2	.	.	PUNCT
fbem-32826	68	1	enhance	enhance	VERB
fbem-32826	68	2	personnel	personnel	NOUN
fbem-32826	68	3	training	training	NOUN
fbem-32826	68	4	constructing	construct	VERB
fbem-32826	68	5	a	a	DET
fbem-32826	68	6	multi	multi	ADJ
fbem-32826	68	7	-	-	ADJ
fbem-32826	68	8	level	level	ADJ
fbem-32826	68	9	and	and	CCONJ
fbem-32826	68	10	sustainable	sustainable	ADJ
fbem-32826	68	11	talent	talent	NOUN
fbem-32826	68	12	training	training	NOUN
fbem-32826	68	13	system	system	NOUN
fbem-32826	68	14	and	and	CCONJ
fbem-32826	68	15	forming	form	VERB
fbem-32826	68	16	talent	talent	NOUN
fbem-32826	68	17	gathering	gathering	NOUN
fbem-32826	68	18	effect	effect	NOUN
fbem-32826	68	19	have	have	AUX
fbem-32826	68	20	become	become	VERB
fbem-32826	68	21	the	the	DET
fbem-32826	68	22	key	key	NOUN
fbem-32826	68	23	to	to	ADP
fbem-32826	68	24	building	build	VERB
fbem-32826	68	25	the	the	DET
fbem-32826	68	26	core	core	NOUN
fbem-32826	68	27	competitiveness	competitiveness	NOUN
fbem-32826	68	28	of	of	ADP
fbem-32826	68	29	intelligent	intelligent	ADJ
fbem-32826	68	30	wind	wind	NOUN
fbem-32826	68	31	control	control	NOUN
fbem-32826	68	32	.	.	PUNCT
fbem-32826	69	1	the	the	DET
fbem-32826	69	2	primary	primary	ADJ
fbem-32826	69	3	task	task	NOUN
fbem-32826	69	4	of	of	ADP
fbem-32826	69	5	personnel	personnel	NOUN
fbem-32826	69	6	training	training	NOUN
fbem-32826	69	7	is	be	AUX
fbem-32826	69	8	to	to	PART
fbem-32826	69	9	optimize	optimize	VERB
fbem-32826	69	10	the	the	DET
fbem-32826	69	11	knowledge	knowledge	NOUN
fbem-32826	69	12	structure	structure	NOUN
fbem-32826	69	13	.	.	PUNCT
fbem-32826	70	1	the	the	DET
fbem-32826	70	2	traditional	traditional	ADJ
fbem-32826	70	3	single	single	ADJ
fbem-32826	70	4	discipline	discipline	NOUN
fbem-32826	70	5	background	background	NOUN
fbem-32826	70	6	of	of	ADP
fbem-32826	70	7	finance	finance	NOUN
fbem-32826	70	8	or	or	CCONJ
fbem-32826	70	9	computer	computer	NOUN
fbem-32826	70	10	is	be	AUX
fbem-32826	70	11	no	no	ADV
fbem-32826	70	12	longer	long	ADV
fbem-32826	70	13	enough	enough	ADJ
fbem-32826	70	14	to	to	PART
fbem-32826	70	15	cope	cope	VERB
fbem-32826	70	16	with	with	ADP
fbem-32826	70	17	the	the	DET
fbem-32826	70	18	current	current	ADJ
fbem-32826	70	19	complex	complex	ADJ
fbem-32826	70	20	needs	need	NOUN
fbem-32826	70	21	.	.	PUNCT
fbem-32826	71	1	educational	educational	ADJ
fbem-32826	71	2	institutions	institution	NOUN
fbem-32826	71	3	and	and	CCONJ
fbem-32826	71	4	employers	employer	NOUN
fbem-32826	71	5	should	should	AUX
fbem-32826	71	6	work	work	VERB
fbem-32826	71	7	together	together	ADV
fbem-32826	71	8	to	to	PART
fbem-32826	71	9	design	design	VERB
fbem-32826	71	10	training	training	NOUN
fbem-32826	71	11	programs	program	NOUN
fbem-32826	71	12	,	,	PUNCT
fbem-32826	71	13	focusing	focus	VERB
fbem-32826	71	14	on	on	ADP
fbem-32826	71	15	the	the	DET
fbem-32826	71	16	cross	cross	NOUN
fbem-32826	71	17	-	-	NOUN
fbem-32826	71	18	integration	integration	NOUN
fbem-32826	71	19	of	of	ADP
fbem-32826	71	20	disciplines	discipline	NOUN
fbem-32826	71	21	,	,	PUNCT
fbem-32826	71	22	so	so	SCONJ
fbem-32826	71	23	that	that	SCONJ
fbem-32826	71	24	talents	talent	NOUN
fbem-32826	71	25	can	can	AUX
fbem-32826	71	26	not	not	PART
fbem-32826	71	27	only	only	ADV
fbem-32826	71	28	master	master	VERB
fbem-32826	71	29	hard	hard	ADJ
fbem-32826	71	30	skills	skill	NOUN
fbem-32826	71	31	such	such	ADJ
fbem-32826	71	32	as	as	ADP
fbem-32826	71	33	machine	machine	NOUN
fbem-32826	71	34	learning	learning	NOUN
fbem-32826	71	35	and	and	CCONJ
fbem-32826	71	36	programming	programming	NOUN
fbem-32826	71	37	languages	language	NOUN
fbem-32826	71	38	,	,	PUNCT
fbem-32826	71	39	but	but	CCONJ
fbem-32826	71	40	also	also	ADV
fbem-32826	71	41	systematically	systematically	ADV
fbem-32826	71	42	learn	learn	VERB
fbem-32826	71	43	professional	professional	ADJ
fbem-32826	71	44	knowledge	knowledge	NOUN
fbem-32826	71	45	such	such	ADJ
fbem-32826	71	46	as	as	ADP
fbem-32826	71	47	finance	finance	NOUN
fbem-32826	71	48	,	,	PUNCT
fbem-32826	71	49	risk	risk	NOUN
fbem-32826	71	50	management	management	NOUN
fbem-32826	71	51	and	and	CCONJ
fbem-32826	71	52	economics	economic	NOUN
fbem-32826	71	53	,	,	PUNCT
fbem-32826	71	54	and	and	CCONJ
fbem-32826	71	55	understand	understand	VERB
fbem-32826	71	56	regulatory	regulatory	ADJ
fbem-32826	71	57	policies	policy	NOUN
fbem-32826	71	58	and	and	CCONJ
fbem-32826	71	59	business	business	NOUN
fbem-32826	71	60	logic	logic	NOUN
fbem-32826	71	61	.	.	PUNCT
fbem-32826	72	1	the	the	DET
fbem-32826	72	2	key	key	NOUN
fbem-32826	72	3	is	be	AUX
fbem-32826	72	4	to	to	PART
fbem-32826	72	5	cultivate	cultivate	VERB
fbem-32826	72	6	its	its	PRON
fbem-32826	72	7	ability	ability	NOUN
fbem-32826	72	8	to	to	PART
fbem-32826	72	9	connect	connect	VERB
fbem-32826	72	10	abstract	abstract	ADJ
fbem-32826	72	11	mathematical	mathematical	ADJ
fbem-32826	72	12	models	model	NOUN
fbem-32826	72	13	with	with	ADP
fbem-32826	72	14	specific	specific	ADJ
fbem-32826	72	15	financial	financial	ADJ
fbem-32826	72	16	risk	risk	NOUN
fbem-32826	72	17	scenarios	scenario	NOUN
fbem-32826	72	18	,	,	PUNCT
fbem-32826	72	19	so	so	SCONJ
fbem-32826	72	20	that	that	SCONJ
fbem-32826	72	21	it	it	PRON
fbem-32826	72	22	can	can	AUX
fbem-32826	72	23	accurately	accurately	ADV
fbem-32826	72	24	define	define	VERB
fbem-32826	72	25	business	business	NOUN
fbem-32826	72	26	problems	problem	NOUN
fbem-32826	72	27	and	and	CCONJ
fbem-32826	72	28	transform	transform	VERB
fbem-32826	72	29	them	they	PRON
fbem-32826	72	30	into	into	ADP
fbem-32826	72	31	technical	technical	ADJ
fbem-32826	72	32	issues	issue	NOUN
fbem-32826	72	33	that	that	PRON
fbem-32826	72	34	can	can	AUX
fbem-32826	72	35	be	be	AUX
fbem-32826	72	36	solved	solve	VERB
fbem-32826	72	37	by	by	ADP
fbem-32826	72	38	data	datum	NOUN
fbem-32826	72	39	analysis	analysis	NOUN
fbem-32826	72	40	and	and	CCONJ
fbem-32826	72	41	modeling	modeling	NOUN
fbem-32826	72	42	.	.	PUNCT
fbem-32826	73	1	this	this	DET
fbem-32826	73	2	transformation	transformation	NOUN
fbem-32826	73	3	ability	ability	NOUN
fbem-32826	73	4	is	be	AUX
fbem-32826	73	5	the	the	DET
fbem-32826	73	6	core	core	NOUN
fbem-32826	73	7	of	of	ADP
fbem-32826	73	8	distinguishing	distinguish	VERB
fbem-32826	73	9	ordinary	ordinary	ADJ
fbem-32826	73	10	technicians	technician	NOUN
fbem-32826	73	11	from	from	ADP
fbem-32826	73	12	senior	senior	ADJ
fbem-32826	73	13	wind	wind	NOUN
fbem-32826	73	14	control	control	NOUN
fbem-32826	73	15	experts	expert	NOUN
fbem-32826	73	16	.	.	PUNCT
fbem-32826	74	1	at	at	ADP
fbem-32826	74	2	the	the	DET
fbem-32826	74	3	practical	practical	ADJ
fbem-32826	74	4	level	level	NOUN
fbem-32826	74	5	,	,	PUNCT
fbem-32826	74	6	institutions	institution	NOUN
fbem-32826	74	7	should	should	AUX
fbem-32826	74	8	establish	establish	VERB
fbem-32826	74	9	systematic	systematic	ADJ
fbem-32826	74	10	internal	internal	ADJ
fbem-32826	74	11	training	training	NOUN
fbem-32826	74	12	and	and	CCONJ
fbem-32826	74	13	career	career	NOUN
fbem-32826	74	14	development	development	NOUN
fbem-32826	74	15	paths	path	NOUN
fbem-32826	74	16	.	.	PUNCT
fbem-32826	75	1	by	by	ADP
fbem-32826	75	2	org	org	ADJ
fbem-32826	75	3	anizing	anizing	NOUN
fbem-32826	75	4	symposiums	symposium	NOUN
fbem-32826	75	5	,	,	PUNCT
fbem-32826	75	6	technical	technical	ADJ
fbem-32826	75	7	workshops	workshop	NOUN
fbem-32826	75	8	and	and	CCONJ
fbem-32826	75	9	encouraging	encourage	VERB
fbem-32826	75	10	participation	participation	NOUN
fbem-32826	75	11	in	in	ADP
fbem-32826	75	12	industry	industry	NOUN
fbem-32826	75	13	exchanges	exchange	NOUN
fbem-32826	75	14	,	,	PUNCT
fbem-32826	75	15	we	we	PRON
fbem-32826	75	16	can	can	AUX
fbem-32826	75	17	keep	keep	VERB
fbem-32826	75	18	the	the	DET
fbem-32826	75	19	knowledge	knowledge	NOUN
fbem-32826	75	20	system	system	NOUN
fbem-32826	75	21	of	of	ADP
fbem-32826	75	22	talents	talent	NOUN
fbem-32826	75	23	continuously	continuously	ADV
fbem-32826	75	24	updated	update	VERB
fbem-32826	75	25	.	.	PUNCT
fbem-32826	76	1	the	the	DET
fbem-32826	76	2	implementation	implementation	NOUN
fbem-32826	76	3	of	of	ADP
fbem-32826	76	4	crossdepartmental	crossdepartmental	ADJ
fbem-32826	76	5	project	project	NOUN
fbem-32826	76	6	cooperation	cooperation	NOUN
fbem-32826	76	7	will	will	AUX
fbem-32826	76	8	enable	enable	VERB
fbem-32826	76	9	data	datum	NOUN
fbem-32826	76	10	analysts	analyst	NOUN
fbem-32826	76	11	to	to	PART
fbem-32826	76	12	go	go	VERB
fbem-32826	76	13	deep	deep	ADV
fbem-32826	76	14	into	into	ADP
fbem-32826	76	15	the	the	DET
fbem-32826	76	16	front	front	ADJ
fbem-32826	76	17	line	line	NOUN
fbem-32826	76	18	of	of	ADP
fbem-32826	76	19	business	business	NOUN
fbem-32826	76	20	,	,	PUNCT
fbem-32826	76	21	personally	personally	ADV
fbem-32826	76	22	understand	understand	VERB
fbem-32826	76	23	the	the	DET
fbem-32826	76	24	actual	actual	ADJ
fbem-32826	76	25	process	process	NOUN
fbem-32826	76	26	of	of	ADP
fbem-32826	76	27	credit	credit	NOUN
fbem-32826	76	28	approval	approval	NOUN
fbem-32826	76	29	,	,	PUNCT
fbem-32826	76	30	market	market	NOUN
fbem-32826	76	31	transactions	transaction	NOUN
fbem-32826	76	32	and	and	CCONJ
fbem-32826	76	33	compliance	compliance	NOUN
fbem-32826	76	34	operations	operation	NOUN
fbem-32826	76	35	,	,	PUNCT
fbem-32826	76	36	and	and	CCONJ
fbem-32826	76	37	at	at	ADP
fbem-32826	76	38	the	the	DET
fbem-32826	76	39	same	same	ADJ
fbem-32826	76	40	time	time	NOUN
fbem-32826	76	41	enable	enable	VERB
fbem-32826	76	42	business	business	NOUN
fbem-32826	76	43	personnel	personnel	NOUN
fbem-32826	76	44	to	to	PART
fbem-32826	76	45	have	have	VERB
fbem-32826	76	46	basic	basic	ADJ
fbem-32826	76	47	data	datum	NOUN
fbem-32826	76	48	literacy	literacy	NOUN
fbem-32826	76	49	,	,	PUNCT
fbem-32826	76	50	so	so	SCONJ
fbem-32826	76	51	as	as	SCONJ
fbem-32826	76	52	to	to	PART
fbem-32826	76	53	promote	promote	VERB
fbem-32826	76	54	in	in	ADP
fbem-32826	76	55	depth	depth	NOUN
fbem-32826	76	56	understanding	understanding	NOUN
fbem-32826	76	57	and	and	CCONJ
fbem-32826	76	58	efficient	efficient	ADJ
fbem-32826	76	59	collaboration	collaboration	NOUN
fbem-32826	76	60	between	between	ADP
fbem-32826	76	61	business	business	NOUN
fbem-32826	76	62	and	and	CCONJ
fbem-32826	76	63	technical	technical	ADJ
fbem-32826	76	64	teams	team	NOUN
fbem-32826	76	65	.	.	PUNCT
fbem-32826	77	1	establishing	establish	VERB
fbem-32826	77	2	an	an	DET
fbem-32826	77	3	open	open	ADJ
fbem-32826	77	4	and	and	CCONJ
fbem-32826	77	5	inclusive	inclusive	ADJ
fbem-32826	77	6	innovative	innovative	ADJ
fbem-32826	77	7	culture	culture	NOUN
fbem-32826	77	8	and	and	CCONJ
fbem-32826	77	9	encouraging	encourage	VERB
fbem-32826	77	10	questioning	questioning	NOUN
fbem-32826	77	11	and	and	CCONJ
fbem-32826	77	12	reflection	reflection	NOUN
fbem-32826	77	13	on	on	ADP
fbem-32826	77	14	the	the	DET
fbem-32826	77	15	model	model	NOUN
fbem-32826	77	16	are	be	AUX
fbem-32826	77	17	important	important	ADJ
fbem-32826	77	18	soft	soft	ADJ
fbem-32826	77	19	environments	environment	NOUN
fbem-32826	77	20	to	to	PART
fbem-32826	77	21	stimulate	stimulate	VERB
fbem-32826	77	22	talent	talent	NOUN
fbem-32826	77	23	potential	potential	NOUN
fbem-32826	77	24	and	and	CCONJ
fbem-32826	77	25	prevent	prevent	VERB
fbem-32826	77	26	mode	mode	NOUN
fbem-32826	77	27	l	l	NOUN
fbem-32826	77	28	risks	risk	NOUN
fbem-32826	77	29	.	.	PUNCT
fbem-32826	78	1	the	the	DET
fbem-32826	78	2	ultimate	ultimate	ADJ
fbem-32826	78	3	goal	goal	NOUN
fbem-32826	78	4	is	be	AUX
fbem-32826	78	5	to	to	PART
fbem-32826	78	6	build	build	VERB
fbem-32826	78	7	a	a	DET
fbem-32826	78	8	high	high	ADJ
fbem-32826	78	9	-	-	PUNCT
fbem-32826	78	10	level	level	NOUN
fbem-32826	78	11	talent	talent	NOUN
fbem-32826	78	12	team	team	NOUN
fbem-32826	78	13	that	that	PRON
fbem-32826	78	14	dares	dare	VERB
fbem-32826	78	15	to	to	PART
fbem-32826	78	16	innovate	innovate	VERB
fbem-32826	78	17	in	in	ADP
fbem-32826	78	18	technology	technology	NOUN
fbem-32826	78	19	and	and	CCONJ
fbem-32826	78	20	abides	abide	VERB
fbem-32826	78	21	by	by	ADP
fbem-32826	78	22	the	the	DET
fbem-32826	78	23	bottom	bottom	ADJ
fbem-32826	78	24	line	line	NOUN
fbem-32826	78	25	of	of	ADP
fbem-32826	78	26	risk	risk	NOUN
fbem-32826	78	27	through	through	ADP
fbem-32826	78	28	continuous	continuous	ADJ
fbem-32826	78	29	investment	investment	NOUN
fbem-32826	78	30	,	,	PUNCT
fbem-32826	78	31	to	to	PART
fbem-32826	78	32	provide	provide	VERB
fbem-32826	78	33	inexhaustible	inexhaustible	ADJ
fbem-32826	78	34	intellectual	intellectual	ADJ
fbem-32826	78	35	support	support	NOUN
fbem-32826	78	36	for	for	ADP
fbem-32826	78	37	the	the	DET
fbem-32826	78	38	long	long	ADJ
fbem-32826	78	39	-term	-term	NOUN
fbem-32826	78	40	development	development	NOUN
fbem-32826	78	41	of	of	ADP
fbem-32826	78	42	risk	risk	NOUN
fbem-32826	78	43	management	management	NOUN
fbem-32826	78	44	.	.	PUNCT
fbem-32826	79	1	5	5	X
fbem-32826	79	2	.	.	X
fbem-32826	79	3	concluding	conclude	VERB
fbem-32826	79	4	remarks	remark	NOUN
fbem-32826	79	5	this	this	DET
fbem-32826	79	6	paper	paper	NOUN
fbem-32826	79	7	systematically	systematically	ADV
fbem-32826	79	8	discusses	discuss	VERB
fbem-32826	79	9	the	the	DET
fbem-32826	79	10	application	application	NOUN
fbem-32826	79	11	of	of	ADP
fbem-32826	79	12	data	datum	NOUN
fbem-32826	79	13	analysis	analysis	NOUN
fbem-32826	79	14	in	in	ADP
fbem-32826	79	15	the	the	DET
fbem-32826	79	16	field	field	NOUN
fbem-32826	79	17	of	of	ADP
fbem-32826	79	18	risk	risk	NOUN
fbem-32826	79	19	control	control	NOUN
fbem-32826	79	20	under	under	ADP
fbem-32826	79	21	the	the	DET
fbem-32826	79	22	background	background	NOUN
fbem-32826	79	23	of	of	ADP
fbem-32826	79	24	financial	financial	ADJ
fbem-32826	79	25	science	science	NOUN
fbem-32826	79	26	and	and	CCONJ
fbem-32826	79	27	technology	technology	NOUN
fbem-32826	79	28	.	.	PUNCT
fbem-32826	80	1	the	the	DET
fbem-32826	80	2	analysis	analysis	NOUN
fbem-32826	80	3	shows	show	VERB
fbem-32826	80	4	that	that	SCONJ
fbem-32826	80	5	data	datum	NOUN
fbem-32826	80	6	analysis	analysis	NOUN
fbem-32826	80	7	technology	technology	NOUN
fbem-32826	80	8	is	be	AUX
fbem-32826	80	9	profoundly	profoundly	ADV
fbem-32826	80	10	changing	change	VERB
fbem-32826	80	11	the	the	DET
fbem-32826	80	12	paradigm	paradigm	NOUN
fbem-32826	80	13	of	of	ADP
fbem-32826	80	14	traditional	traditional	ADJ
fbem-32826	80	15	risk	risk	NOUN
fbem-32826	80	16	management	management	NOUN
fbem-32826	80	17	by	by	ADP
fbem-32826	80	18	enabling	enable	VERB
fbem-32826	80	19	credit	credit	NOUN
fbem-32826	80	20	evaluation	evaluation	NOUN
fbem-32826	80	21	,	,	PUNCT
fbem-32826	80	22	market	market	NOUN
fbem-32826	80	23	risk	risk	NOUN
fbem-32826	80	24	measurement	measurement	NOUN
fbem-32826	80	25	and	and	CCONJ
fbem-32826	80	26	operational	operational	ADJ
fbem-32826	80	27	risk	risk	NOUN
fbem-32826	80	28	monitoring	monitoring	NOUN
fbem-32826	80	29	,	,	PUNCT
fbem-32826	80	30	making	make	VERB
fbem-32826	80	31	it	it	PRON
fbem-32826	80	32	more	more	ADV
fbem-32826	80	33	accurate	accurate	ADJ
fbem-32826	80	34	,	,	PUNCT
fbem-32826	80	35	dynamic	dynamic	ADJ
fbem-32826	80	36	and	and	CCONJ
fbem-32826	80	37	forward	forward	ADV
fbem-32826	80	38	-looking	-looke	VERB
fbem-32826	80	39	.	.	PUNCT
fbem-32826	81	1	however	however	ADV
fbem-32826	81	2	,	,	PUNCT
fbem-32826	81	3	giving	give	VERB
fbem-32826	81	4	full	full	ADJ
fbem-32826	81	5	play	play	NOUN
fbem-32826	81	6	to	to	ADP
fbem-32826	81	7	its	its	PRON
fbem-32826	81	8	effectiveness	effectiveness	NOUN
fbem-32826	81	9	depends	depend	VERB
fbem-32826	81	10	on	on	ADP
fbem-32826	81	11	a	a	DET
fbem-32826	81	12	solid	solid	ADJ
fbem-32826	81	13	data	data	NOUN
fbem-32826	81	14	base	base	NOUN
fbem-32826	81	15	,	,	PUNCT
fbem-32826	81	16	sustained	sustain	VERB
fbem-32826	81	17	technological	technological	ADJ
fbem-32826	81	18	innovation	innovation	NOUN
fbem-32826	81	19	and	and	CCONJ
fbem-32826	81	20	compound	compound	NOUN
fbem-32826	81	21	talent	talent	NOUN
fbem-32826	81	22	support	support	NOUN
fbem-32826	81	23	.	.	PUNCT
fbem-32826	82	1	facing	face	VERB
fbem-32826	82	2	the	the	DET
fbem-32826	82	3	future	future	NOUN
fbem-32826	82	4	,	,	PUNCT
fbem-32826	82	5	financial	financial	ADJ
fbem-32826	82	6	institutions	institution	NOUN
fbem-32826	82	7	must	must	AUX
fbem-32826	82	8	upgrade	upgrade	VERB
fbem-32826	82	9	the	the	DET
fbem-32826	82	10	concept	concept	NOUN
fbem-32826	82	11	of	of	ADP
fbem-32826	82	12	data	datum	NOUN
fbem-32826	82	13	-driven	-driven	ADJ
fbem-32826	82	14	wind	wind	NOUN
fbem-32826	82	15	control	control	NOUN
fbem-32826	82	16	to	to	ADP
fbem-32826	82	17	a	a	DET
fbem-32826	82	18	strategic	strategic	ADJ
fbem-32826	82	19	level	level	NOUN
fbem-32826	82	20	,	,	PUNCT
fbem-32826	82	21	through	through	ADP
fbem-32826	82	22	systematic	systematic	ADJ
fbem-32826	82	23	optimization	optimization	NOUN
fbem-32826	82	24	of	of	ADP
fbem-32826	82	25	data	datum	NOUN
fbem-32826	82	26	governance	governance	NOUN
fbem-32826	82	27	,	,	PUNCT
fbem-32826	82	28	technical	technical	ADJ
fbem-32826	82	29	architecture	architecture	NOUN
fbem-32826	82	30	and	and	CCONJ
fbem-32826	82	31	talent	talent	NOUN
fbem-32826	82	32	team	team	NOUN
fbem-32826	82	33	,	,	PUNCT
fbem-32826	82	34	in	in	ADP
fbem-32826	82	35	order	order	NOUN
fbem-32826	82	36	to	to	PART
fbem-32826	82	37	build	build	VERB
fbem-32826	82	38	a	a	DET
fbem-32826	82	39	more	more	ADV
fbem-32826	82	40	resilient	resilient	ADJ
fbem-32826	82	41	intelligent	intelligent	ADJ
fbem-32826	82	42	wind	wind	NOUN
fbem-32826	82	43	control	control	NOUN
fbem-32826	82	44	system	system	NOUN
fbem-32826	82	45	,	,	PUNCT
fbem-32826	82	46	so	so	SCONJ
fbem-32826	82	47	as	as	SCONJ
fbem-32826	82	48	to	to	PART
fbem-32826	82	49	achieve	achieve	VERB
fbem-32826	82	50	stable	stable	ADJ
fbem-32826	82	51	and	and	CCONJ
fbem-32826	82	52	sustainable	sustainable	ADJ
fbem-32826	82	53	development	development	NOUN
fbem-32826	82	54	in	in	ADP
fbem-32826	82	55	the	the	DET
fbem-32826	82	56	complex	complex	ADJ
fbem-32826	82	57	and	and	CCONJ
fbem-32826	82	58	changeable	changeable	ADJ
fbem-32826	82	59	financial	financial	ADJ
fbem-32826	82	60	environment	environment	NOUN
fbem-32826	82	61	.	.	PUNCT
fbem-32826	83	1	references	reference	NOUN
fbem-32826	83	2	[	[	X
fbem-32826	83	3	1	1	X
fbem-32826	83	4	]	]	PUNCT
fbem-32826	83	5	medavaka	medavaka	NOUN
fbem-32826	83	6	a	a	PRON
fbem-32826	83	7	:	:	PUNCT
fbem-32826	83	8	aws	aw	NOUN
fbem-32826	83	9	ai	ai	VERB
fbem-32826	83	10	from	from	ADP
fbem-32826	83	11	financial	financial	ADJ
fbem-32826	83	12	services	service	NOUN
fbem-32826	83	13	transforming	transform	VERB
fbem-32826	83	14	risk	risk	NOUN
fbem-32826	83	15	management	management	NOUN
fbem-32826	83	16	and	and	CCONJ
fbem-32826	83	17	investment	investment	NOUN
fbem-32826	83	18	strategies	strategy	NOUN
fbem-32826	83	19	,	,	PUNCT
fbem-32826	83	20	esp	esp	ADJ
fbem-32826	83	21	international	international	ADJ
fbem-32826	83	22	journal	journal	NOUN
fbem-32826	83	23	of	of	ADP
fbem-32826	83	24	advancements	advancement	NOUN
fbem-32826	83	25	in	in	ADP
fbem-32826	83	26	computation	computation	NOUN
fbem-32826	83	27	al	al	PROPN
fbem-32826	83	28	technology	technology	PROPN
fbem-32826	83	29	(	(	PUNCT
fbem-32826	83	30	esp	esp	ADJ
fbem-32826	83	31	-	-	PUNCT
fbem-32826	83	32	ijact	ijact	NOUN
fbem-32826	83	33	)	)	PUNCT
fbem-32826	83	34	,	,	PUNCT
fbem-32826	83	35	vol	vol	NOUN
fbem-32826	83	36	.	.	PROPN
fbem-32826	83	37	2	2	NUM
fbem-32826	83	38	(	(	PUNCT
fbem-32826	83	39	2024	2024	NUM
fbem-32826	83	40	)	)	PUNCT
fbem-32826	83	41	no.3	no.3	VERB
fbem-32826	83	42	,	,	PUNCT
fbem-32826	83	43	p.116	p.116	NOUN
fbem-32826	83	44	-	-	PUNCT
fbem-32826	83	45	129	129	NUM
fbem-32826	83	46	.	.	PUNCT
fbem-32826	84	1	[	[	X
fbem-32826	84	2	2	2	X
fbem-32826	84	3	]	]	PUNCT
fbem-32826	84	4	elumilade	elumilade	NOUN
fbem-32826	84	5	o	o	INTJ
fbem-32826	84	6	o	o	NOUN
fbem-32826	84	7	,	,	PUNCT
fbem-32826	84	8	ogundeji	ogundeji	VERB
fbem-32826	84	9	i	i	PRON
fbem-32826	84	10	a	a	X
fbem-32826	84	11	,	,	PUNCT
fbem-32826	84	12	ozoemenam	ozoemenam	NOUN
fbem-32826	84	13	g	g	NOUN
fbem-32826	84	14	,	,	PUNCT
fbem-32826	84	15	et	et	PROPN
fbem-32826	84	16	al	al	PROPN
fbem-32826	84	17	.	.	PUNCT
fbem-32826	84	18	:	:	PUNCT
fbem-32826	85	1	the	the	DET
fbem-32826	85	2	role	role	NOUN
fbem-32826	85	3	of	of	ADP
fbem-32826	85	4	data	datum	NOUN
fbem-32826	85	5	analytics	analytic	NOUN
fbem-32826	85	6	in	in	ADP
fbem-32826	85	7	strengthening	strengthen	VERB
fbem-32826	85	8	financial	financial	ADJ
fbem-32826	85	9	risk	risk	NOUN
fbem-32826	85	10	assessment	assessment	NOUN
fbem-32826	85	11	and	and	CCONJ
fbem-32826	85	12	strategic	strategic	ADJ
fbem-32826	85	13	decision	decision	NOUN
fbem-32826	85	14	-	-	PUNCT
fbem-32826	85	15	making	making	NOUN
fbem-32826	85	16	,	,	PUNCT
fbem-32826	85	17	iconic	iconic	ADJ
fbem-32826	85	18	research	research	NOUN
fbem-32826	85	19	and	and	CCONJ
fbem-32826	85	20	engineerin	engineerin	NOUN
fbem-32826	85	21	g	g	PROPN
fbem-32826	85	22	journals	journal	NOUN
fbem-32826	85	23	,	,	PUNCT
fbem-32826	85	24	vol	vol	NOUN
fbem-32826	85	25	.	.	PROPN
fbem-32826	85	26	6	6	NUM
fbem-32826	85	27	(	(	PUNCT
fbem-32826	85	28	2023	2023	NUM
fbem-32826	85	29	)	)	PUNCT
fbem-32826	85	30	no.10	no.10	ADJ
fbem-32826	85	31	,	,	PUNCT
fbem-32826	85	32	p.324	p.324	NOUN
fbem-32826	85	33	-	-	PUNCT
fbem-32826	85	34	338	338	NUM
fbem-32826	85	35	.	.	PUNCT
fbem-32826	86	1	[	[	X
fbem-32826	86	2	3	3	X
fbem-32826	86	3	]	]	X
fbem-32826	86	4	milana	milana	PROPN
fbem-32826	86	5	c	c	AUX
fbem-32826	86	6	,	,	PUNCT
fbem-32826	86	7	ashta	ashta	VERB
fbem-32826	86	8	a	a	DET
fbem-32826	86	9	:	:	PUNCT
fbem-32826	86	10	artificial	artificial	ADJ
fbem-32826	86	11	intelligence	intelligence	NOUN
fbem-32826	86	12	techniques	technique	NOUN
fbem-32826	86	13	in	in	ADP
fbem-32826	86	14	finance	finance	NOUN
fbem-32826	86	15	and	and	CCONJ
fbem-32826	86	16	financial	financial	ADJ
fbem-32826	86	17	markets	market	NOUN
fbem-32826	86	18	:	:	PUNCT
fbem-32826	86	19	a	a	DET
fbem-32826	86	20	survey	survey	NOUN
fbem-32826	86	21	of	of	ADP
fbem-32826	86	22	the	the	DET
fbem-32826	86	23	literature	literature	NOUN
fbem-32826	86	24	,	,	PUNCT
fbem-32826	86	25	strategic	strategic	ADJ
fbem-32826	86	26	change	change	NOUN
fbem-32826	86	27	,	,	PUNCT
fbem-32826	86	28	vol	vol	NOUN
fbem-32826	86	29	.	.	PROPN
fbem-32826	86	30	30	30	NUM
fbem-32826	86	31	(	(	PUNCT
fbem-32826	86	32	2021	2021	NUM
fbem-32826	86	33	)	)	PUNCT
fbem-32826	87	1	no.3	no.3	VERB
fbem-32826	87	2	,	,	PUNCT
fbem-32826	87	3	p.189	p.189	NOUN
fbem-32826	87	4	-	-	PUNCT
fbem-32826	87	5	209	209	NUM
fbem-32826	87	6	.	.	PUNCT
fbem-32826	88	1	[	[	X
fbem-32826	88	2	4	4	X
fbem-32826	88	3	]	]	PUNCT
fbem-32826	88	4	song	song	PROPN
fbem-32826	88	5	y	y	PROPN
fbem-32826	88	6	,	,	PUNCT
fbem-32826	88	7	wu	wu	PROPN
fbem-32826	89	1	r	r	NOUN
fbem-32826	89	2	:	:	PUNCT
fbem-32826	89	3	the	the	DET
fbem-32826	89	4	impact	impact	NOUN
fbem-32826	89	5	of	of	ADP
fbem-32826	89	6	financial	financial	ADJ
fbem-32826	89	7	enterprises	enterprise	NOUN
fbem-32826	89	8	’	'	PUNCT
fbem-32826	89	9	excessive	excessive	ADJ
fbem-32826	89	10	financialization	financialization	NOUN
fbem-32826	89	11	risk	risk	NOUN
fbem-32826	89	12	assessment	assessment	NOUN
fbem-32826	89	13	for	for	ADP
fbem-32826	89	14	risk	risk	NOUN
fbem-32826	89	15	control	control	NOUN
fbem-32826	89	16	based	base	VERB
fbem-32826	89	17	on	on	ADP
fbem-32826	89	18	data	datum	NOUN
fbem-32826	89	19	mining	mining	NOUN
fbem-32826	89	20	and	and	CCONJ
fbem-32826	89	21	machine	machine	NOUN
fbem-32826	89	22	learning	learning	NOUN
fbem-32826	89	23	,	,	PUNCT
fbem-32826	89	24	computational	computational	ADJ
fbem-32826	89	25	economics	economic	NOUN
fbem-32826	89	26	,	,	PUNCT
fbem-32826	89	27	vol	vol	NOUN
fbem-32826	89	28	.	.	PROPN
fbem-32826	90	1	60	60	NUM
fbem-32826	90	2	(	(	PUNCT
fbem-32826	90	3	2022	2022	NUM
fbem-32826	90	4	)	)	PUNCT
fbem-32826	91	1	no.4	no.4	PROPN
fbem-32826	91	2	,	,	PUNCT
fbem-32826	91	3	p.1245	p.1245	NOUN
fbem-32826	91	4	-	-	NOUN
fbem-32826	91	5	1267	1267	NUM
fbem-32826	91	6	.	.	PUNCT
fbem-32826	92	1	[	[	X
fbem-32826	92	2	5	5	X
fbem-32826	92	3	]	]	PUNCT
fbem-32826	92	4	ragazou	ragazou	PROPN
fbem-32826	92	5	k	k	PROPN
fbem-32826	92	6	,	,	PUNCT
fbem-32826	92	7	passas	passas	PROPN
fbem-32826	92	8	i	i	PRON
fbem-32826	92	9	,	,	PUNCT
fbem-32826	92	10	garefalakis	garefalakis	PROPN
fbem-32826	92	11	a	a	PROPN
fbem-32826	92	12	,	,	PUNCT
fbem-32826	92	13	et	et	PROPN
fbem-32826	92	14	al	al	PROPN
fbem-32826	92	15	.	.	PUNCT
fbem-32826	92	16	:	:	PUNCT
fbem-32826	93	1	big	big	ADJ
fbem-32826	93	2	data	data	PROPN
fbem-32826	93	3	analytics	analytic	NOUN
fbem-32826	93	4	applications	application	NOUN
fbem-32826	93	5	in	in	ADP
fbem-32826	93	6	information	information	NOUN
fbem-32826	93	7	management	management	NOUN
fbem-32826	93	8	driving	drive	VERB
fbem-32826	93	9	operational	operational	ADJ
fbem-32826	93	10	efficiencies	efficiency	NOUN
fbem-32826	93	11	and	and	CCONJ
fbem-32826	93	12	decision	decision	NOUN
fbem-32826	93	13	-	-	PUNCT
fbem-32826	93	14	making	making	NOUN
fbem-32826	93	15	:	:	PUNCT
fbem-32826	93	16	mapping	map	VERB
fbem-32826	93	17	the	the	DET
fbem-32826	93	18	field	field	NOUN
fbem-32826	93	19	of	of	ADP
fbem-32826	93	20	knowledge	knowledge	NOUN
fbem-32826	93	21	with	with	ADP
fbem-32826	93	22	bibliometric	bibliometric	ADJ
fbem-32826	93	23	analysis	analysis	NOUN
fbem-32826	93	24	using	use	VERB
fbem-32826	93	25	r	r	NOUN
fbem-32826	93	26	,	,	PUNCT
fbem-32826	93	27	big	big	ADJ
fbem-32826	93	28	data	datum	NOUN
fbem-32826	93	29	and	and	CCONJ
fbem-32826	93	30	cognitive	cognitive	ADJ
fbem-32826	93	31	computing	computing	NOUN
fbem-32826	93	32	,	,	PUNCT
fbem-32826	93	33	vol	vol	NOUN
fbem-32826	93	34	.	.	PROPN
fbem-32826	93	35	7	7	NUM
fbem-32826	93	36	(	(	PUNCT
fbem-32826	93	37	2023	2023	NUM
fbem-32826	93	38	)	)	PUNCT
fbem-32826	93	39	no.1	no.1	NOUN
fbem-32826	93	40	,	,	PUNCT
fbem-32826	93	41	p.13	p.13	X
fbem-32826	93	42	.	.	PUNCT