id	sid	tid	token	lemma	pos
fbem-4173	1	1	frontiers	frontier	NOUN
fbem-4173	1	2	in	in	ADP
fbem-4173	1	3	business	business	NOUN
fbem-4173	1	4	,	,	PUNCT
fbem-4173	1	5	economics	economic	NOUN
fbem-4173	1	6	and	and	CCONJ
fbem-4173	1	7	management	management	NOUN
fbem-4173	1	8	issn	issn	PROPN
fbem-4173	1	9	:	:	PUNCT
fbem-4173	1	10	2766	2766	NUM
fbem-4173	1	11	-	-	PUNCT
fbem-4173	1	12	824x	824x	NUM
fbem-4173	1	13	|	|	ADJ
fbem-4173	1	14	vol	vol	NOUN
fbem-4173	1	15	.	.	PUNCT
fbem-4173	2	1	7	7	NUM
fbem-4173	2	2	,	,	PUNCT
fbem-4173	2	3	no	no	INTJ
fbem-4173	2	4	.	.	NOUN
fbem-4173	2	5	1	1	NUM
fbem-4173	2	6	,	,	PUNCT
fbem-4173	2	7	2023	2023	NUM
fbem-4173	2	8	227	227	NUM
fbem-4173	2	9	research	research	NOUN
fbem-4173	2	10	on	on	ADP
fbem-4173	2	11	the	the	DET
fbem-4173	2	12	influence	influence	NOUN
fbem-4173	2	13	of	of	ADP
fbem-4173	2	14	financial	financial	ADJ
fbem-4173	2	15	technology	technology	NOUN
fbem-4173	2	16	on	on	ADP
fbem-4173	2	17	the	the	DET
fbem-4173	2	18	profitability	profitability	NOUN
fbem-4173	2	19	of	of	ADP
fbem-4173	2	20	small	small	ADJ
fbem-4173	2	21	and	and	CCONJ
fbem-4173	2	22	medium‐sized	medium‐size	VERB
fbem-4173	2	23	commercial	commercial	ADJ
fbem-4173	2	24	banks	bank	NOUN
fbem-4173	2	25	yao	yao	PROPN
fbem-4173	2	26	yang1	yang1	PROPN
fbem-4173	2	27	,	,	PUNCT
fbem-4173	2	28	*	*	PUNCT
fbem-4173	3	1	1school	1school	NUM
fbem-4173	3	2	of	of	ADP
fbem-4173	3	3	economics	economic	NOUN
fbem-4173	3	4	,	,	PUNCT
fbem-4173	3	5	hefei	hefei	PROPN
fbem-4173	3	6	university	university	PROPN
fbem-4173	3	7	of	of	ADP
fbem-4173	3	8	technology	technology	PROPN
fbem-4173	3	9	,	,	PUNCT
fbem-4173	3	10	heifei	heifei	PROPN
fbem-4173	3	11	,	,	PUNCT
fbem-4173	3	12	230601	230601	NUM
fbem-4173	3	13	,	,	PUNCT
fbem-4173	3	14	china	china	PROPN
fbem-4173	3	15	*	*	PUNCT
fbem-4173	3	16	corresponding	correspond	VERB
fbem-4173	3	17	author	author	NOUN
fbem-4173	3	18	’s	’s	PART
fbem-4173	3	19	e	e	NOUN
fbem-4173	3	20	-	-	NOUN
fbem-4173	3	21	mail	mail	NOUN
fbem-4173	3	22	:	:	PUNCT
fbem-4173	3	23	y000cdcy@163.com	y000cdcy@163.com	X
fbem-4173	3	24	abstract	abstract	NOUN
fbem-4173	3	25	:	:	PUNCT
fbem-4173	3	26	this	this	DET
fbem-4173	3	27	paper	paper	NOUN
fbem-4173	3	28	analyzes	analyze	VERB
fbem-4173	3	29	the	the	DET
fbem-4173	3	30	overall	overall	ADJ
fbem-4173	3	31	profitability	profitability	NOUN
fbem-4173	3	32	of	of	ADP
fbem-4173	3	33	city	city	NOUN
fbem-4173	3	34	commercial	commercial	ADJ
fbem-4173	3	35	banks	bank	NOUN
fbem-4173	3	36	and	and	CCONJ
fbem-4173	3	37	agricultural	agricultural	ADJ
fbem-4173	3	38	commercial	commercial	ADJ
fbem-4173	3	39	banks	bank	NOUN
fbem-4173	3	40	,	,	PUNCT
fbem-4173	3	41	analyzes	analyze	VERB
fbem-4173	3	42	how	how	SCONJ
fbem-4173	3	43	financial	financial	ADJ
fbem-4173	3	44	technology	technology	NOUN
fbem-4173	3	45	has	have	VERB
fbem-4173	3	46	an	an	DET
fbem-4173	3	47	impact	impact	NOUN
fbem-4173	3	48	from	from	ADP
fbem-4173	3	49	the	the	DET
fbem-4173	3	50	existing	exist	VERB
fbem-4173	3	51	theory	theory	NOUN
fbem-4173	3	52	and	and	CCONJ
fbem-4173	3	53	impact	impact	NOUN
fbem-4173	3	54	mechanism	mechanism	NOUN
fbem-4173	3	55	,	,	PUNCT
fbem-4173	3	56	and	and	CCONJ
fbem-4173	3	57	establishes	establish	VERB
fbem-4173	3	58	panel	panel	NOUN
fbem-4173	3	59	data	datum	NOUN
fbem-4173	3	60	in	in	ADP
fbem-4173	3	61	the	the	DET
fbem-4173	3	62	empirical	empirical	ADJ
fbem-4173	3	63	part	part	NOUN
fbem-4173	3	64	for	for	ADP
fbem-4173	3	65	analysis	analysis	NOUN
fbem-4173	3	66	,	,	PUNCT
fbem-4173	3	67	it	it	PRON
fbem-4173	3	68	is	be	AUX
fbem-4173	3	69	concluded	conclude	VERB
fbem-4173	3	70	that	that	SCONJ
fbem-4173	3	71	financial	financial	ADJ
fbem-4173	3	72	technology	technology	NOUN
fbem-4173	3	73	can	can	AUX
fbem-4173	3	74	promote	promote	VERB
fbem-4173	3	75	the	the	DET
fbem-4173	3	76	profitability	profitability	NOUN
fbem-4173	3	77	of	of	ADP
fbem-4173	3	78	small	small	ADJ
fbem-4173	3	79	and	and	CCONJ
fbem-4173	3	80	medium	medium	ADJ
fbem-4173	3	81	-	-	PUNCT
fbem-4173	3	82	sized	sized	ADJ
fbem-4173	3	83	commercial	commercial	ADJ
fbem-4173	3	84	banks	bank	NOUN
fbem-4173	3	85	,	,	PUNCT
fbem-4173	3	86	but	but	CCONJ
fbem-4173	3	87	there	there	PRON
fbem-4173	3	88	is	be	VERB
fbem-4173	3	89	heterogeneity	heterogeneity	NOUN
fbem-4173	3	90	between	between	ADP
fbem-4173	3	91	urban	urban	ADJ
fbem-4173	3	92	and	and	CCONJ
fbem-4173	3	93	rural	rural	ADJ
fbem-4173	3	94	commercial	commercial	ADJ
fbem-4173	3	95	banks	bank	NOUN
fbem-4173	3	96	,	,	PUNCT
fbem-4173	3	97	finally	finally	ADV
fbem-4173	3	98	,	,	PUNCT
fbem-4173	3	99	the	the	DET
fbem-4173	3	100	paper	paper	NOUN
fbem-4173	3	101	gives	give	VERB
fbem-4173	3	102	some	some	DET
fbem-4173	3	103	suggestions	suggestion	NOUN
fbem-4173	3	104	on	on	ADP
fbem-4173	3	105	the	the	DET
fbem-4173	3	106	healthy	healthy	ADJ
fbem-4173	3	107	upgrading	upgrading	NOUN
fbem-4173	3	108	and	and	CCONJ
fbem-4173	3	109	transformation	transformation	NOUN
fbem-4173	3	110	of	of	ADP
fbem-4173	3	111	small	small	ADJ
fbem-4173	3	112	and	and	CCONJ
fbem-4173	3	113	medium	medium	ADJ
fbem-4173	3	114	-	-	PUNCT
fbem-4173	3	115	sized	sized	ADJ
fbem-4173	3	116	banks	bank	NOUN
fbem-4173	3	117	and	and	CCONJ
fbem-4173	3	118	how	how	SCONJ
fbem-4173	3	119	to	to	PART
fbem-4173	3	120	regulate	regulate	VERB
fbem-4173	3	121	the	the	DET
fbem-4173	3	122	use	use	NOUN
fbem-4173	3	123	of	of	ADP
fbem-4173	3	124	financial	financial	ADJ
fbem-4173	3	125	technology	technology	NOUN
fbem-4173	3	126	by	by	ADP
fbem-4173	3	127	regulatory	regulatory	ADJ
fbem-4173	3	128	authorities	authority	NOUN
fbem-4173	3	129	.	.	PUNCT
fbem-4173	4	1	keywords	keyword	NOUN
fbem-4173	4	2	:	:	PUNCT
fbem-4173	4	3	financial	financial	ADJ
fbem-4173	4	4	technology	technology	NOUN
fbem-4173	4	5	,	,	PUNCT
fbem-4173	4	6	commercial	commercial	ADJ
fbem-4173	4	7	banks	bank	NOUN
fbem-4173	4	8	,	,	PUNCT
fbem-4173	4	9	profitability	profitability	NOUN
fbem-4173	4	10	,	,	PUNCT
fbem-4173	4	11	pku	pku	PROPN
fbem-4173	4	12	inclusive	inclusive	ADJ
fbem-4173	4	13	financial	financial	ADJ
fbem-4173	4	14	index	index	NOUN
fbem-4173	4	15	.	.	PUNCT
fbem-4173	5	1	1	1	X
fbem-4173	5	2	.	.	X
fbem-4173	5	3	introduction	introduction	NOUN
fbem-4173	5	4	several	several	ADJ
fbem-4173	5	5	of	of	ADP
fbem-4173	5	6	the	the	DET
fbem-4173	5	7	hottest	hot	ADJ
fbem-4173	5	8	technologies	technology	NOUN
fbem-4173	5	9	of	of	ADP
fbem-4173	5	10	recent	recent	ADJ
fbem-4173	5	11	years	year	NOUN
fbem-4173	5	12	,	,	PUNCT
fbem-4173	5	13	such	such	ADJ
fbem-4173	5	14	as	as	ADP
fbem-4173	5	15	ai	ai	NOUN
fbem-4173	5	16	,	,	PUNCT
fbem-4173	5	17	big	big	ADJ
fbem-4173	5	18	data	datum	NOUN
fbem-4173	5	19	,	,	PUNCT
fbem-4173	5	20	cloud	cloud	NOUN
fbem-4173	5	21	computing	computing	NOUN
fbem-4173	5	22	,	,	PUNCT
fbem-4173	5	23	blockchain	blockchain	PROPN
fbem-4173	5	24	,	,	PUNCT
fbem-4173	5	25	digital	digital	ADJ
fbem-4173	5	26	payments	payment	NOUN
fbem-4173	5	27	and	and	CCONJ
fbem-4173	5	28	robotics	robotic	NOUN
fbem-4173	5	29	consultants	consultant	NOUN
fbem-4173	5	30	,	,	PUNCT
fbem-4173	5	31	are	be	AUX
fbem-4173	5	32	rapidly	rapidly	ADV
fbem-4173	5	33	reshaping	reshape	VERB
fbem-4173	5	34	traditional	traditional	ADJ
fbem-4173	5	35	banking	banking	NOUN
fbem-4173	5	36	.	.	PUNCT
fbem-4173	6	1	the	the	DET
fbem-4173	6	2	profit	profit	NOUN
fbem-4173	6	3	structure	structure	NOUN
fbem-4173	6	4	of	of	ADP
fbem-4173	6	5	our	our	PRON
fbem-4173	6	6	country	country	NOUN
fbem-4173	6	7	's	's	PART
fbem-4173	6	8	commercial	commercial	ADJ
fbem-4173	6	9	banks	bank	NOUN
fbem-4173	6	10	is	be	AUX
fbem-4173	6	11	relatively	relatively	ADV
fbem-4173	6	12	single	single	ADJ
fbem-4173	6	13	,	,	PUNCT
fbem-4173	6	14	non	non	ADJ
fbem-4173	6	15	-	-	NOUN
fbem-4173	6	16	interest	interest	ADJ
fbem-4173	6	17	,	,	PUNCT
fbem-4173	6	18	capital	capital	NOUN
fbem-4173	6	19	adequacy	adequacy	NOUN
fbem-4173	6	20	ratio	ratio	NOUN
fbem-4173	6	21	and	and	CCONJ
fbem-4173	6	22	other	other	ADJ
fbem-4173	6	23	factors	factor	NOUN
fbem-4173	6	24	are	be	AUX
fbem-4173	6	25	still	still	ADV
fbem-4173	6	26	restricting	restrict	VERB
fbem-4173	6	27	their	their	PRON
fbem-4173	6	28	development	development	NOUN
fbem-4173	6	29	,	,	PUNCT
fbem-4173	6	30	and	and	CCONJ
fbem-4173	6	31	the	the	DET
fbem-4173	6	32	emergence	emergence	NOUN
fbem-4173	6	33	of	of	ADP
fbem-4173	6	34	network	network	NOUN
fbem-4173	6	35	finance	finance	NOUN
fbem-4173	6	36	has	have	AUX
fbem-4173	6	37	also	also	ADV
fbem-4173	6	38	brought	bring	VERB
fbem-4173	6	39	greater	great	ADJ
fbem-4173	6	40	difficulties	difficulty	NOUN
fbem-4173	6	41	to	to	ADP
fbem-4173	6	42	the	the	DET
fbem-4173	6	43	commercial	commercial	ADJ
fbem-4173	6	44	banks	bank	NOUN
fbem-4173	6	45	,	,	PUNCT
fbem-4173	6	46	interest	interest	NOUN
fbem-4173	6	47	income	income	NOUN
fbem-4173	6	48	and	and	CCONJ
fbem-4173	6	49	noninterest	noninter	ADJ
fbem-4173	6	50	income	income	NOUN
fbem-4173	6	51	growth	growth	NOUN
fbem-4173	6	52	slowed	slow	VERB
fbem-4173	6	53	,	,	PUNCT
fbem-4173	6	54	and	and	CCONJ
fbem-4173	6	55	some	some	DET
fbem-4173	6	56	companies	company	NOUN
fbem-4173	6	57	have	have	AUX
fbem-4173	6	58	even	even	ADV
fbem-4173	6	59	regressed	regress	VERB
fbem-4173	6	60	.	.	PUNCT
fbem-4173	7	1	in	in	ADP
fbem-4173	7	2	the	the	DET
fbem-4173	7	3	face	face	NOUN
fbem-4173	7	4	of	of	ADP
fbem-4173	7	5	increasingly	increasingly	ADV
fbem-4173	7	6	fierce	fierce	ADJ
fbem-4173	7	7	competition	competition	NOUN
fbem-4173	7	8	,	,	PUNCT
fbem-4173	7	9	china	china	PROPN
fbem-4173	7	10	's	's	PART
fbem-4173	7	11	commercial	commercial	ADJ
fbem-4173	7	12	banks	bank	NOUN
fbem-4173	7	13	in	in	ADP
fbem-4173	7	14	the	the	DET
fbem-4173	7	15	face	face	NOUN
fbem-4173	7	16	of	of	ADP
fbem-4173	7	17	increasingly	increasingly	ADV
fbem-4173	7	18	fierce	fierce	ADJ
fbem-4173	7	19	competitive	competitive	ADJ
fbem-4173	7	20	pressure	pressure	NOUN
fbem-4173	7	21	,	,	PUNCT
fbem-4173	7	22	how	how	SCONJ
fbem-4173	7	23	to	to	PART
fbem-4173	7	24	increase	increase	VERB
fbem-4173	7	25	investment	investment	NOUN
fbem-4173	7	26	in	in	ADP
fbem-4173	7	27	the	the	DET
fbem-4173	7	28	financial	financial	ADJ
fbem-4173	7	29	sector	sector	NOUN
fbem-4173	7	30	,	,	PUNCT
fbem-4173	7	31	to	to	PART
fbem-4173	7	32	seek	seek	VERB
fbem-4173	7	33	opportunities	opportunity	NOUN
fbem-4173	7	34	for	for	ADP
fbem-4173	7	35	online	online	ADJ
fbem-4173	7	36	finance	finance	NOUN
fbem-4173	7	37	,	,	PUNCT
fbem-4173	7	38	to	to	PART
fbem-4173	7	39	realize	realize	VERB
fbem-4173	7	40	the	the	DET
fbem-4173	7	41	organic	organic	ADJ
fbem-4173	7	42	combination	combination	NOUN
fbem-4173	7	43	of	of	ADP
fbem-4173	7	44	technology	technology	NOUN
fbem-4173	7	45	with	with	ADP
fbem-4173	7	46	financial	financial	ADJ
fbem-4173	7	47	products	product	NOUN
fbem-4173	7	48	,	,	PUNCT
fbem-4173	7	49	services	service	NOUN
fbem-4173	7	50	and	and	CCONJ
fbem-4173	7	51	business	business	NOUN
fbem-4173	7	52	,	,	PUNCT
fbem-4173	7	53	and	and	CCONJ
fbem-4173	7	54	to	to	PART
fbem-4173	7	55	promote	promote	VERB
fbem-4173	7	56	its	its	PRON
fbem-4173	7	57	strategic	strategic	ADJ
fbem-4173	7	58	transformation	transformation	NOUN
fbem-4173	7	59	and	and	CCONJ
fbem-4173	7	60	business	business	NOUN
fbem-4173	7	61	deepening	deepening	NOUN
fbem-4173	7	62	has	have	AUX
fbem-4173	7	63	become	become	VERB
fbem-4173	7	64	an	an	DET
fbem-4173	7	65	urgent	urgent	ADJ
fbem-4173	7	66	problem	problem	NOUN
fbem-4173	7	67	to	to	PART
fbem-4173	7	68	be	be	AUX
fbem-4173	7	69	solved	solve	VERB
fbem-4173	7	70	.	.	PUNCT
fbem-4173	8	1	in	in	ADP
fbem-4173	8	2	this	this	DET
fbem-4173	8	3	paper	paper	NOUN
fbem-4173	8	4	,	,	PUNCT
fbem-4173	8	5	through	through	ADP
fbem-4173	8	6	the	the	DET
fbem-4173	8	7	mechanism	mechanism	NOUN
fbem-4173	8	8	of	of	ADP
fbem-4173	8	9	small	small	ADJ
fbem-4173	8	10	and	and	CCONJ
fbem-4173	8	11	mediumsized	mediumsized	ADJ
fbem-4173	8	12	commercial	commercial	ADJ
fbem-4173	8	13	banks	bank	NOUN
fbem-4173	8	14	and	and	CCONJ
fbem-4173	8	15	data	datum	NOUN
fbem-4173	8	16	analysis	analysis	NOUN
fbem-4173	8	17	,	,	PUNCT
fbem-4173	8	18	to	to	ADP
fbem-4173	8	19	small	small	ADJ
fbem-4173	8	20	and	and	CCONJ
fbem-4173	8	21	medium	medium	ADJ
fbem-4173	8	22	-	-	PUNCT
fbem-4173	8	23	sized	sized	ADJ
fbem-4173	8	24	commercial	commercial	ADJ
fbem-4173	8	25	banks	bank	NOUN
fbem-4173	8	26	to	to	PART
fbem-4173	8	27	provide	provide	VERB
fbem-4173	8	28	a	a	DET
fbem-4173	8	29	reference	reference	NOUN
fbem-4173	8	30	for	for	ADP
fbem-4173	8	31	the	the	DET
fbem-4173	8	32	use	use	NOUN
fbem-4173	8	33	of	of	ADP
fbem-4173	8	34	financial	financial	ADJ
fbem-4173	8	35	technology	technology	NOUN
fbem-4173	8	36	.	.	PUNCT
fbem-4173	9	1	and	and	CCONJ
fbem-4173	9	2	through	through	ADP
fbem-4173	9	3	empirical	empirical	ADJ
fbem-4173	9	4	analysis	analysis	NOUN
fbem-4173	9	5	of	of	ADP
fbem-4173	9	6	the	the	DET
fbem-4173	9	7	impact	impact	NOUN
fbem-4173	9	8	of	of	ADP
fbem-4173	9	9	small	small	ADJ
fbem-4173	9	10	and	and	CCONJ
fbem-4173	9	11	medium	medium	ADJ
fbem-4173	9	12	-	-	PUNCT
fbem-4173	9	13	sized	sized	ADJ
fbem-4173	9	14	commercial	commercial	ADJ
fbem-4173	9	15	banks	bank	NOUN
fbem-4173	9	16	in	in	ADP
fbem-4173	9	17	the	the	DET
fbem-4173	9	18	development	development	NOUN
fbem-4173	9	19	of	of	ADP
fbem-4173	9	20	financial	financial	ADJ
fbem-4173	9	21	technology	technology	NOUN
fbem-4173	9	22	,	,	PUNCT
fbem-4173	9	23	and	and	CCONJ
fbem-4173	9	24	put	put	VERB
fbem-4173	9	25	forward	forward	ADP
fbem-4173	9	26	recommendations	recommendation	NOUN
fbem-4173	9	27	in	in	ADP
fbem-4173	9	28	the	the	DET
fbem-4173	9	29	supervision	supervision	NOUN
fbem-4173	9	30	,	,	PUNCT
fbem-4173	9	31	in	in	ADP
fbem-4173	9	32	order	order	NOUN
fbem-4173	9	33	to	to	PART
fbem-4173	9	34	better	well	ADV
fbem-4173	9	35	promote	promote	VERB
fbem-4173	9	36	the	the	DET
fbem-4173	9	37	transformation	transformation	NOUN
fbem-4173	9	38	of	of	ADP
fbem-4173	9	39	such	such	ADJ
fbem-4173	9	40	small	small	ADJ
fbem-4173	9	41	and	and	CCONJ
fbem-4173	9	42	mediumsized	mediumsized	ADJ
fbem-4173	9	43	banks	bank	NOUN
fbem-4173	9	44	,	,	PUNCT
fbem-4173	9	45	to	to	PART
fbem-4173	9	46	guide	guide	VERB
fbem-4173	9	47	the	the	DET
fbem-4173	9	48	healthy	healthy	ADJ
fbem-4173	9	49	and	and	CCONJ
fbem-4173	9	50	orderly	orderly	ADJ
fbem-4173	9	51	development	development	NOUN
fbem-4173	9	52	of	of	ADP
fbem-4173	9	53	the	the	DET
fbem-4173	9	54	banking	banking	NOUN
fbem-4173	9	55	industry	industry	NOUN
fbem-4173	9	56	and	and	CCONJ
fbem-4173	9	57	promote	promote	VERB
fbem-4173	9	58	the	the	DET
fbem-4173	9	59	ability	ability	NOUN
fbem-4173	9	60	to	to	PART
fbem-4173	9	61	serve	serve	VERB
fbem-4173	9	62	the	the	DET
fbem-4173	9	63	real	real	ADJ
fbem-4173	9	64	economy	economy	NOUN
fbem-4173	9	65	.	.	PUNCT
fbem-4173	10	1	2	2	X
fbem-4173	10	2	.	.	X
fbem-4173	10	3	literature	literature	PROPN
fbem-4173	10	4	review	review	PROPN
fbem-4173	10	5	delong	delong	PROPN
fbem-4173	10	6	and	and	CCONJ
fbem-4173	10	7	geyoung	geyoung	PROPN
fbem-4173	10	8	's	's	PART
fbem-4173	10	9	research	research	NOUN
fbem-4173	10	10	shows	show	VERB
fbem-4173	10	11	that	that	SCONJ
fbem-4173	10	12	while	while	SCONJ
fbem-4173	10	13	online	online	ADJ
fbem-4173	10	14	finance	finance	NOUN
fbem-4173	10	15	can	can	AUX
fbem-4173	10	16	improve	improve	VERB
fbem-4173	10	17	u.s	u.s	PROPN
fbem-4173	10	18	.	.	PROPN
fbem-4173	10	19	profits	profit	NOUN
fbem-4173	10	20	,	,	PUNCT
fbem-4173	10	21	it	it	PRON
fbem-4173	10	22	can	can	AUX
fbem-4173	10	23	change	change	VERB
fbem-4173	10	24	the	the	DET
fbem-4173	10	25	deposit	deposit	NOUN
fbem-4173	10	26	structure	structure	NOUN
fbem-4173	10	27	of	of	ADP
fbem-4173	10	28	banks[1	banks[1	NOUN
fbem-4173	10	29	]	]	PUNCT
fbem-4173	10	30	.	.	PUNCT
fbem-4173	11	1	li	li	PROPN
fbem-4173	11	2	dazhi	dazhi	PROPN
fbem-4173	11	3	and	and	CCONJ
fbem-4173	11	4	xu	xu	PROPN
fbem-4173	11	5	yihan	yihan	INTJ
fbem-4173	11	6	analyzed	analyze	VERB
fbem-4173	11	7	that	that	SCONJ
fbem-4173	11	8	compared	compare	VERB
fbem-4173	11	9	with	with	ADP
fbem-4173	11	10	the	the	DET
fbem-4173	11	11	traditional	traditional	ADJ
fbem-4173	11	12	low	low	ADJ
fbem-4173	11	13	-	-	PUNCT
fbem-4173	11	14	interest	interest	NOUN
fbem-4173	11	15	demand	demand	NOUN
fbem-4173	11	16	deposit	deposit	NOUN
fbem-4173	11	17	,	,	PUNCT
fbem-4173	11	18	the	the	DET
fbem-4173	11	19	low	low	ADJ
fbem-4173	11	20	-	-	PUNCT
fbem-4173	11	21	liquidity	liquidity	NOUN
fbem-4173	11	22	time	time	NOUN
fbem-4173	11	23	deposit	deposit	NOUN
fbem-4173	11	24	,	,	PUNCT
fbem-4173	11	25	the	the	DET
fbem-4173	11	26	online	online	ADJ
fbem-4173	11	27	financial	financial	ADJ
fbem-4173	11	28	products	product	NOUN
fbem-4173	11	29	have	have	VERB
fbem-4173	11	30	higher	high	ADJ
fbem-4173	11	31	liquidity	liquidity	NOUN
fbem-4173	11	32	and	and	CCONJ
fbem-4173	11	33	profitability	profitability	NOUN
fbem-4173	11	34	,	,	PUNCT
fbem-4173	11	35	and	and	CCONJ
fbem-4173	11	36	have	have	VERB
fbem-4173	11	37	a	a	DET
fbem-4173	11	38	certain	certain	ADJ
fbem-4173	11	39	impact	impact	NOUN
fbem-4173	11	40	on	on	ADP
fbem-4173	11	41	commercial	commercial	ADJ
fbem-4173	11	42	banks	bank	NOUN
fbem-4173	11	43	,	,	PUNCT
fbem-4173	11	44	and	and	CCONJ
fbem-4173	11	45	a	a	DET
fbem-4173	11	46	certain	certain	ADJ
fbem-4173	11	47	impact	impact	NOUN
fbem-4173	11	48	on	on	ADP
fbem-4173	11	49	the	the	DET
fbem-4173	11	50	level	level	NOUN
fbem-4173	11	51	of	of	ADP
fbem-4173	11	52	interest	interest	NOUN
fbem-4173	11	53	rates[2	rates[2	PROPN
fbem-4173	11	54	]	]	X
fbem-4173	11	55	.	.	PUNCT
fbem-4173	12	1	zhan	zhan	PROPN
fbem-4173	12	2	minghua	minghua	PROPN
fbem-4173	12	3	and	and	CCONJ
fbem-4173	12	4	others	other	NOUN
fbem-4173	12	5	from	from	ADP
fbem-4173	12	6	a	a	DET
fbem-4173	12	7	macroanalysis	macroanalysis	NOUN
fbem-4173	12	8	of	of	ADP
fbem-4173	12	9	the	the	DET
fbem-4173	12	10	impact	impact	NOUN
fbem-4173	12	11	of	of	ADP
fbem-4173	12	12	bank	bank	NOUN
fbem-4173	12	13	credit	credit	NOUN
fbem-4173	12	14	channels	channel	NOUN
fbem-4173	12	15	in	in	ADP
fbem-4173	12	16	the	the	DET
fbem-4173	12	17	face	face	NOUN
fbem-4173	12	18	of	of	ADP
fbem-4173	12	19	internet	internet	NOUN
fbem-4173	12	20	finance[3	finance[3	NOUN
fbem-4173	12	21	]	]	PUNCT
fbem-4173	12	22	.	.	PUNCT
fbem-4173	13	1	research	research	NOUN
fbem-4173	13	2	by	by	ADP
fbem-4173	13	3	li	li	PROPN
fbem-4173	13	4	,	,	PUNCT
fbem-4173	13	5	spigt	spigt	PROPN
fbem-4173	13	6	&	&	CCONJ
fbem-4173	13	7	swinkels	swinkel	NOUN
fbem-4173	13	8	shows	show	VERB
fbem-4173	13	9	that	that	SCONJ
fbem-4173	13	10	financial	financial	ADJ
fbem-4173	13	11	technology	technology	NOUN
fbem-4173	13	12	and	and	CCONJ
fbem-4173	13	13	traditional	traditional	ADJ
fbem-4173	13	14	banking	banking	NOUN
fbem-4173	13	15	are	be	AUX
fbem-4173	13	16	complementary[4	complementary[4	PROPN
fbem-4173	13	17	]	]	PUNCT
fbem-4173	13	18	.	.	PUNCT
fbem-4173	14	1	wang	wang	PROPN
fbem-4173	14	2	believes	believe	VERB
fbem-4173	14	3	that	that	SCONJ
fbem-4173	14	4	financial	financial	ADJ
fbem-4173	14	5	technology	technology	NOUN
fbem-4173	14	6	will	will	AUX
fbem-4173	14	7	bring	bring	VERB
fbem-4173	14	8	other	other	ADJ
fbem-4173	14	9	problems	problem	NOUN
fbem-4173	14	10	,	,	PUNCT
fbem-4173	14	11	such	such	ADJ
fbem-4173	14	12	as	as	ADP
fbem-4173	14	13	increasing	increase	VERB
fbem-4173	14	14	price	price	NOUN
fbem-4173	14	15	competition	competition	NOUN
fbem-4173	14	16	and	and	CCONJ
fbem-4173	14	17	interest	interest	NOUN
fbem-4173	14	18	rate	rate	NOUN
fbem-4173	14	19	liberalization	liberalization	NOUN
fbem-4173	14	20	,	,	PUNCT
fbem-4173	14	21	which	which	PRON
fbem-4173	14	22	will	will	AUX
fbem-4173	14	23	reduce	reduce	VERB
fbem-4173	14	24	banks	bank	NOUN
fbem-4173	14	25	'	'	PART
fbem-4173	14	26	profits	profit	NOUN
fbem-4173	14	27	and	and	CCONJ
fbem-4173	14	28	increase	increase	VERB
fbem-4173	14	29	their	their	PRON
fbem-4173	14	30	risks[5	risks[5	NOUN
fbem-4173	14	31	]	]	PUNCT
fbem-4173	14	32	.	.	PUNCT
fbem-4173	15	1	tang	tang	PROPN
fbem-4173	15	2	's	's	PART
fbem-4173	15	3	empirical	empirical	ADJ
fbem-4173	15	4	research	research	NOUN
fbem-4173	15	5	shows	show	VERB
fbem-4173	15	6	that	that	SCONJ
fbem-4173	15	7	with	with	ADP
fbem-4173	15	8	the	the	DET
fbem-4173	15	9	development	development	NOUN
fbem-4173	15	10	of	of	ADP
fbem-4173	15	11	financial	financial	ADJ
fbem-4173	15	12	technology	technology	NOUN
fbem-4173	15	13	,	,	PUNCT
fbem-4173	15	14	the	the	DET
fbem-4173	15	15	bank	bank	NOUN
fbem-4173	15	16	's	's	PART
fbem-4173	15	17	credit	credit	NOUN
fbem-4173	15	18	risk	risk	NOUN
fbem-4173	15	19	control	control	NOUN
fbem-4173	15	20	ability	ability	NOUN
fbem-4173	15	21	has	have	AUX
fbem-4173	15	22	been	be	AUX
fbem-4173	15	23	further	far	ADV
fbem-4173	15	24	improved[6],yao	improved[6],yao	PROPN
fbem-4173	15	25	ting	ting	PROPN
fbem-4173	15	26	,	,	PUNCT
fbem-4173	15	27	based	base	VERB
fbem-4173	15	28	on	on	ADP
fbem-4173	15	29	her	her	PRON
fbem-4173	15	30	analysis	analysis	NOUN
fbem-4173	15	31	of	of	ADP
fbem-4173	15	32	fintech	fintech	NOUN
fbem-4173	15	33	,	,	PUNCT
fbem-4173	15	34	believes	believe	VERB
fbem-4173	15	35	that	that	SCONJ
fbem-4173	15	36	fintech	fintech	NOUN
fbem-4173	15	37	can	can	AUX
fbem-4173	15	38	improve	improve	VERB
fbem-4173	15	39	its	its	PRON
fbem-4173	15	40	profitability	profitability	NOUN
fbem-4173	15	41	by	by	ADP
fbem-4173	15	42	reducing	reduce	VERB
fbem-4173	15	43	transaction	transaction	NOUN
fbem-4173	15	44	costs	cost	NOUN
fbem-4173	15	45	between	between	ADP
fbem-4173	15	46	commercial	commercial	ADJ
fbem-4173	15	47	banks	bank	NOUN
fbem-4173	15	48	and	and	CCONJ
fbem-4173	15	49	customers[7	customers[7	NOUN
fbem-4173	15	50	]	]	X
fbem-4173	15	51	.	.	PUNCT
fbem-4173	16	1	financial	financial	ADJ
fbem-4173	16	2	science	science	NOUN
fbem-4173	16	3	and	and	CCONJ
fbem-4173	16	4	technology	technology	NOUN
fbem-4173	16	5	has	have	AUX
fbem-4173	16	6	just	just	ADV
fbem-4173	16	7	started	start	VERB
fbem-4173	16	8	in	in	ADP
fbem-4173	16	9	our	our	PRON
fbem-4173	16	10	country	country	NOUN
fbem-4173	16	11	.	.	PUNCT
fbem-4173	17	1	at	at	ADP
fbem-4173	17	2	present	present	ADJ
fbem-4173	17	3	,	,	PUNCT
fbem-4173	17	4	the	the	DET
fbem-4173	17	5	academic	academic	ADJ
fbem-4173	17	6	research	research	NOUN
fbem-4173	17	7	on	on	ADP
fbem-4173	17	8	it	it	PRON
fbem-4173	17	9	is	be	AUX
fbem-4173	17	10	still	still	ADV
fbem-4173	17	11	at	at	ADP
fbem-4173	17	12	the	the	DET
fbem-4173	17	13	theoretical	theoretical	ADJ
fbem-4173	17	14	level	level	NOUN
fbem-4173	17	15	.	.	PUNCT
fbem-4173	18	1	3	3	X
fbem-4173	18	2	.	.	X
fbem-4173	18	3	analysis	analysis	NOUN
fbem-4173	18	4	of	of	ADP
fbem-4173	18	5	changes	change	NOUN
fbem-4173	18	6	in	in	ADP
fbem-4173	18	7	nim	nim	PROPN
fbem-4173	18	8	and	and	CCONJ
fbem-4173	18	9	roa	roa	PROPN
fbem-4173	18	10	3.1	3.1	NUM
fbem-4173	18	11	.	.	PUNCT
fbem-4173	19	1	change	change	NOUN
fbem-4173	19	2	in	in	ADP
fbem-4173	19	3	net	net	ADJ
fbem-4173	19	4	interest	interest	NOUN
fbem-4173	19	5	margin	margin	NOUN
fbem-4173	19	6	in	in	ADP
fbem-4173	19	7	the	the	DET
fbem-4173	19	8	third	third	ADJ
fbem-4173	19	9	quarter	quarter	NOUN
fbem-4173	19	10	of	of	ADP
fbem-4173	19	11	this	this	DET
fbem-4173	19	12	year	year	NOUN
fbem-4173	19	13	,	,	PUNCT
fbem-4173	19	14	the	the	DET
fbem-4173	19	15	net	net	ADJ
fbem-4173	19	16	interest	interest	NOUN
fbem-4173	19	17	margin	margin	NOUN
fbem-4173	19	18	of	of	ADP
fbem-4173	19	19	chengshang	chengshang	PROPN
fbem-4173	19	20	bank	bank	PROPN
fbem-4173	19	21	was	be	AUX
fbem-4173	19	22	1.89	1.89	NUM
fbem-4173	19	23	%	%	NOUN
fbem-4173	19	24	,	,	PUNCT
fbem-4173	19	25	which	which	PRON
fbem-4173	19	26	is	be	AUX
fbem-4173	19	27	lower	low	ADJ
fbem-4173	19	28	than	than	ADP
fbem-4173	19	29	the	the	DET
fbem-4173	19	30	average	average	ADJ
fbem-4173	19	31	net	net	ADJ
fbem-4173	19	32	interest	interest	NOUN
fbem-4173	19	33	margin	margin	NOUN
fbem-4173	19	34	of	of	ADP
fbem-4173	19	35	2.07	2.07	NUM
fbem-4173	19	36	%	%	NOUN
fbem-4173	19	37	of	of	ADP
fbem-4173	19	38	commercial	commercial	ADJ
fbem-4173	19	39	banks	bank	NOUN
fbem-4173	19	40	,	,	PUNCT
fbem-4173	19	41	in	in	ADP
fbem-4173	19	42	the	the	DET
fbem-4173	19	43	same	same	ADJ
fbem-4173	19	44	period	period	NOUN
fbem-4173	19	45	,	,	PUNCT
fbem-4173	19	46	the	the	DET
fbem-4173	19	47	net	net	ADJ
fbem-4173	19	48	interest	interest	NOUN
fbem-4173	19	49	margin	margin	NOUN
fbem-4173	19	50	of	of	ADP
fbem-4173	19	51	state	state	NOUN
fbem-4173	19	52	-	-	PUNCT
fbem-4173	19	53	owned	own	VERB
fbem-4173	19	54	big	big	ADJ
fbem-4173	19	55	banks	bank	NOUN
fbem-4173	19	56	,	,	PUNCT
fbem-4173	19	57	joint	joint	ADJ
fbem-4173	19	58	-	-	PUNCT
fbem-4173	19	59	stock	stock	NOUN
fbem-4173	19	60	banks	bank	NOUN
fbem-4173	19	61	and	and	CCONJ
fbem-4173	19	62	agricultural	agricultural	ADJ
fbem-4173	19	63	and	and	CCONJ
fbem-4173	19	64	commercial	commercial	ADJ
fbem-4173	19	65	banks	bank	NOUN
fbem-4173	19	66	was	be	AUX
fbem-4173	19	67	2.03	2.03	NUM
fbem-4173	19	68	%	%	NOUN
fbem-4173	19	69	,	,	PUNCT
fbem-4173	19	70	2.15	2.15	NUM
fbem-4173	19	71	%	%	NOUN
fbem-4173	19	72	and	and	CCONJ
fbem-4173	19	73	2.26	2.26	NUM
fbem-4173	19	74	%	%	NOUN
fbem-4173	19	75	respectively	respectively	ADV
fbem-4173	19	76	.	.	PUNCT
fbem-4173	20	1	from	from	ADP
fbem-4173	20	2	the	the	DET
fbem-4173	20	3	2018	2018	NUM
fbem-4173	20	4	data	datum	NOUN
fbem-4173	20	5	,	,	PUNCT
fbem-4173	20	6	the	the	DET
fbem-4173	20	7	city	city	NOUN
fbem-4173	20	8	commercial	commercial	PROPN
fbem-4173	20	9	bank	bank	PROPN
fbem-4173	20	10	net	net	ADJ
fbem-4173	20	11	interest	interest	NOUN
fbem-4173	20	12	margin	margin	NOUN
fbem-4173	20	13	and	and	CCONJ
fbem-4173	20	14	commercial	commercial	ADJ
fbem-4173	20	15	banks	bank	NOUN
fbem-4173	20	16	as	as	ADP
fbem-4173	20	17	a	a	DET
fbem-4173	20	18	continuous	continuous	ADJ
fbem-4173	20	19	narrowing	narrowing	NOUN
fbem-4173	20	20	trend	trend	NOUN
fbem-4173	20	21	.	.	PUNCT
fbem-4173	21	1	some	some	PRON
fbem-4173	21	2	of	of	ADP
fbem-4173	21	3	the	the	DET
fbem-4173	21	4	16	16	NUM
fbem-4173	21	5	a	a	DET
fbem-4173	21	6	-	-	PUNCT
fbem-4173	21	7	share	share	NOUN
fbem-4173	21	8	city	city	NOUN
fbem-4173	21	9	commercial	commercial	ADJ
fbem-4173	21	10	banks	bank	NOUN
fbem-4173	21	11	reported	report	VERB
fbem-4173	21	12	a	a	DET
fbem-4173	21	13	net	net	ADJ
fbem-4173	21	14	interest	interest	NOUN
fbem-4173	21	15	margin	margin	NOUN
fbem-4173	21	16	of	of	ADP
fbem-4173	21	17	1.82	1.82	NUM
fbem-4173	21	18	%	%	NOUN
fbem-4173	21	19	to	to	PART
fbem-4173	21	20	2.29	2.29	NUM
fbem-4173	21	21	%	%	NOUN
fbem-4173	21	22	in	in	ADP
fbem-4173	21	23	the	the	DET
fbem-4173	21	24	third	third	ADJ
fbem-4173	21	25	quarter	quarter	NOUN
fbem-4173	21	26	,	,	PUNCT
fbem-4173	21	27	with	with	ADP
fbem-4173	21	28	qingdao	qingdao	PROPN
fbem-4173	21	29	bank	bank	PROPN
fbem-4173	21	30	the	the	DET
fbem-4173	21	31	lowest	low	ADJ
fbem-4173	21	32	and	and	CCONJ
fbem-4173	21	33	ningbo	ningbo	PROPN
fbem-4173	21	34	bank	bank	PROPN
fbem-4173	21	35	the	the	DET
fbem-4173	21	36	highest	high	ADJ
fbem-4173	21	37	.	.	PUNCT
fbem-4173	22	1	228	228	NUM
fbem-4173	22	2	figure	figure	NOUN
fbem-4173	22	3	1	1	NUM
fbem-4173	22	4	.	.	NOUN
fbem-4173	22	5	2015	2015	NUM
fbem-4173	22	6	-	-	SYM
fbem-4173	22	7	2021	2021	NUM
fbem-4173	22	8	the	the	DET
fbem-4173	22	9	first	first	ADJ
fbem-4173	22	10	three	three	NUM
fbem-4173	22	11	quarters	quarter	NOUN
fbem-4173	22	12	of	of	ADP
fbem-4173	22	13	commercial	commercial	ADJ
fbem-4173	22	14	banks	bank	NOUN
fbem-4173	22	15	nim	nim	PROPN
fbem-4173	22	16	change	change	VERB
fbem-4173	22	17	chart	chart	NOUN
fbem-4173	22	18	3.2	3.2	NUM
fbem-4173	22	19	.	.	PUNCT
fbem-4173	23	1	changes	change	NOUN
fbem-4173	23	2	in	in	ADP
fbem-4173	23	3	the	the	DET
fbem-4173	23	4	profitability	profitability	NOUN
fbem-4173	23	5	of	of	ADP
fbem-4173	23	6	assets	asset	NOUN
fbem-4173	23	7	in	in	ADP
fbem-4173	23	8	the	the	DET
fbem-4173	23	9	first	first	ADJ
fbem-4173	23	10	three	three	NUM
fbem-4173	23	11	quarters	quarter	NOUN
fbem-4173	23	12	of	of	ADP
fbem-4173	23	13	this	this	DET
fbem-4173	23	14	year	year	NOUN
fbem-4173	23	15	,	,	PUNCT
fbem-4173	23	16	chengshang	chengshang	PROPN
fbem-4173	23	17	's	's	PART
fbem-4173	23	18	average	average	ADJ
fbem-4173	23	19	return	return	NOUN
fbem-4173	23	20	on	on	ADP
fbem-4173	23	21	assets	asset	NOUN
fbem-4173	23	22	was	be	AUX
fbem-4173	23	23	0.60	0.60	NUM
fbem-4173	23	24	per	per	ADP
fbem-4173	23	25	cent	cent	NOUN
fbem-4173	23	26	,	,	PUNCT
fbem-4173	23	27	lower	low	ADJ
fbem-4173	23	28	than	than	ADP
fbem-4173	23	29	the	the	DET
fbem-4173	23	30	0.82	0.82	NUM
fbem-4173	23	31	per	per	ADP
fbem-4173	23	32	cent	cent	NOUN
fbem-4173	23	33	average	average	ADJ
fbem-4173	23	34	roa	roa	NOUN
fbem-4173	23	35	of	of	ADP
fbem-4173	23	36	commercial	commercial	ADJ
fbem-4173	23	37	banks	bank	NOUN
fbem-4173	23	38	and	and	CCONJ
fbem-4173	23	39	the	the	DET
fbem-4173	23	40	lowest	low	ADJ
fbem-4173	23	41	of	of	ADP
fbem-4173	23	42	the	the	DET
fbem-4173	23	43	six	six	NUM
fbem-4173	23	44	categories	category	NOUN
fbem-4173	23	45	of	of	ADP
fbem-4173	23	46	commercial	commercial	ADJ
fbem-4173	23	47	banks	bank	NOUN
fbem-4173	23	48	.	.	PUNCT
fbem-4173	24	1	the	the	DET
fbem-4173	24	2	figure	figure	NOUN
fbem-4173	24	3	was	be	AUX
fbem-4173	24	4	up	up	ADV
fbem-4173	24	5	0.05	0.05	NUM
fbem-4173	24	6	percentage	percentage	NOUN
fbem-4173	24	7	points	point	NOUN
fbem-4173	24	8	from	from	ADP
fbem-4173	24	9	the	the	DET
fbem-4173	24	10	same	same	ADJ
fbem-4173	24	11	period	period	NOUN
fbem-4173	24	12	last	last	ADJ
fbem-4173	24	13	year	year	NOUN
fbem-4173	24	14	and	and	CCONJ
fbem-4173	24	15	in	in	ADP
fbem-4173	24	16	line	line	NOUN
fbem-4173	24	17	with	with	ADP
fbem-4173	24	18	the	the	DET
fbem-4173	24	19	average	average	NOUN
fbem-4173	24	20	for	for	ADP
fbem-4173	24	21	commercial	commercial	ADJ
fbem-4173	24	22	banks	bank	NOUN
fbem-4173	24	23	.	.	PUNCT
fbem-4173	25	1	considering	consider	VERB
fbem-4173	25	2	the	the	DET
fbem-4173	25	3	average	average	ADJ
fbem-4173	25	4	return	return	NOUN
fbem-4173	25	5	on	on	ADP
fbem-4173	25	6	assets	asset	NOUN
fbem-4173	25	7	of	of	ADP
fbem-4173	25	8	16	16	NUM
fbem-4173	25	9	a	a	DET
fbem-4173	25	10	-	-	PUNCT
fbem-4173	25	11	share	share	NOUN
fbem-4173	25	12	listed	list	VERB
fbem-4173	25	13	city	city	NOUN
fbem-4173	25	14	commercial	commercial	ADJ
fbem-4173	25	15	banks	bank	NOUN
fbem-4173	25	16	in	in	ADP
fbem-4173	25	17	the	the	DET
fbem-4173	25	18	first	first	ADJ
fbem-4173	25	19	three	three	NUM
fbem-4173	25	20	quarters	quarter	NOUN
fbem-4173	25	21	of	of	ADP
fbem-4173	25	22	about	about	ADV
fbem-4173	25	23	0.85	0.85	NUM
fbem-4173	25	24	%	%	NOUN
fbem-4173	25	25	,	,	PUNCT
fbem-4173	25	26	it	it	PRON
fbem-4173	25	27	can	can	AUX
fbem-4173	25	28	be	be	AUX
fbem-4173	25	29	calculated	calculate	VERB
fbem-4173	25	30	that	that	SCONJ
fbem-4173	25	31	the	the	DET
fbem-4173	25	32	roa	roa	NOUN
fbem-4173	25	33	of	of	ADP
fbem-4173	25	34	other	other	ADJ
fbem-4173	25	35	city	city	NOUN
fbem-4173	25	36	commercial	commercial	ADJ
fbem-4173	25	37	banks	bank	NOUN
fbem-4173	25	38	will	will	AUX
fbem-4173	25	39	be	be	AUX
fbem-4173	25	40	less	less	ADJ
fbem-4173	25	41	than	than	ADP
fbem-4173	25	42	0.60	0.60	NUM
fbem-4173	25	43	%	%	NOUN
fbem-4173	25	44	during	during	ADP
fbem-4173	25	45	the	the	DET
fbem-4173	25	46	same	same	ADJ
fbem-4173	25	47	period	period	NOUN
fbem-4173	25	48	.	.	PUNCT
fbem-4173	26	1	for	for	ADP
fbem-4173	26	2	example	example	NOUN
fbem-4173	26	3	,	,	PUNCT
fbem-4173	26	4	hebei	hebei	PROPN
fbem-4173	26	5	bank	bank	PROPN
fbem-4173	26	6	has	have	VERB
fbem-4173	26	7	an	an	DET
fbem-4173	26	8	annualized	annualize	VERB
fbem-4173	26	9	roa	roa	NOUN
fbem-4173	26	10	of	of	ADP
fbem-4173	26	11	about	about	ADV
fbem-4173	26	12	0.59	0.59	NUM
fbem-4173	26	13	%	%	NOUN
fbem-4173	26	14	,	,	PUNCT
fbem-4173	26	15	guilin	guilin	PROPN
fbem-4173	26	16	bank	bank	PROPN
fbem-4173	26	17	has	have	VERB
fbem-4173	26	18	an	an	DET
fbem-4173	26	19	annualized	annualize	VERB
fbem-4173	26	20	roa	roa	NOUN
fbem-4173	26	21	of	of	ADP
fbem-4173	26	22	about	about	ADV
fbem-4173	26	23	0.43	0.43	NUM
fbem-4173	26	24	%	%	NOUN
fbem-4173	26	25	,	,	PUNCT
fbem-4173	26	26	and	and	CCONJ
fbem-4173	26	27	fudian	fudian	PROPN
fbem-4173	26	28	bank	bank	NOUN
fbem-4173	26	29	has	have	VERB
fbem-4173	26	30	an	an	DET
fbem-4173	26	31	annualized	annualize	VERB
fbem-4173	26	32	roa	roa	NOUN
fbem-4173	26	33	of	of	ADP
fbem-4173	26	34	about	about	ADV
fbem-4173	26	35	0.22	0.22	NUM
fbem-4173	26	36	%	%	NOUN
fbem-4173	26	37	.	.	PUNCT
fbem-4173	27	1	figure	figure	NOUN
fbem-4173	27	2	2	2	NUM
fbem-4173	27	3	.	.	NOUN
fbem-4173	27	4	2015	2015	NUM
fbem-4173	27	5	-	-	SYM
fbem-4173	27	6	2021	2021	NUM
fbem-4173	27	7	the	the	DET
fbem-4173	27	8	first	first	ADJ
fbem-4173	27	9	three	three	NUM
fbem-4173	27	10	quarters	quarter	NOUN
fbem-4173	27	11	of	of	ADP
fbem-4173	27	12	commercial	commercial	ADJ
fbem-4173	27	13	banks	bank	NOUN
fbem-4173	27	14	roa	roa	PROPN
fbem-4173	27	15	change	change	VERB
fbem-4173	27	16	chart	chart	NOUN
fbem-4173	27	17	4	4	NUM
fbem-4173	27	18	.	.	PUNCT
fbem-4173	28	1	how	how	SCONJ
fbem-4173	28	2	fintech	fintech	NOUN
fbem-4173	28	3	affects	affect	VERB
fbem-4173	28	4	commercial	commercial	ADJ
fbem-4173	28	5	banks	bank	NOUN
fbem-4173	28	6	'	'	PART
fbem-4173	28	7	profits	profit	NOUN
fbem-4173	28	8	the	the	DET
fbem-4173	28	9	profitability	profitability	NOUN
fbem-4173	28	10	of	of	ADP
fbem-4173	28	11	commercial	commercial	ADJ
fbem-4173	28	12	banks	bank	NOUN
fbem-4173	28	13	is	be	AUX
fbem-4173	28	14	reflected	reflect	VERB
fbem-4173	28	15	in	in	ADP
fbem-4173	28	16	the	the	DET
fbem-4173	28	17	aspects	aspect	NOUN
fbem-4173	28	18	of	of	ADP
fbem-4173	28	19	customer	customer	NOUN
fbem-4173	28	20	-	-	PUNCT
fbem-4173	28	21	oriented	orient	VERB
fbem-4173	28	22	marketing	marketing	NOUN
fbem-4173	28	23	,	,	PUNCT
fbem-4173	28	24	product	product	NOUN
fbem-4173	28	25	service	service	NOUN
fbem-4173	28	26	,	,	PUNCT
fbem-4173	28	27	compliance	compliance	NOUN
fbem-4173	28	28	risk	risk	NOUN
fbem-4173	28	29	control	control	NOUN
fbem-4173	28	30	and	and	CCONJ
fbem-4173	28	31	operation	operation	NOUN
fbem-4173	28	32	management	management	NOUN
fbem-4173	28	33	.	.	PUNCT
fbem-4173	29	1	the	the	DET
fbem-4173	29	2	impact	impact	NOUN
fbem-4173	29	3	mechanism	mechanism	NOUN
fbem-4173	29	4	is	be	AUX
fbem-4173	29	5	shown	show	VERB
fbem-4173	29	6	in	in	ADP
fbem-4173	29	7	figure	figure	NOUN
fbem-4173	29	8	3	3	NUM
fbem-4173	29	9	.	.	PUNCT
fbem-4173	29	10	figure	figure	VERB
fbem-4173	29	11	3	3	NUM
fbem-4173	29	12	.	.	PUNCT
fbem-4173	29	13	impact	impact	NOUN
fbem-4173	29	14	mechanism	mechanism	NOUN
fbem-4173	29	15	diagram	diagram	NOUN
fbem-4173	29	16	5	5	NUM
fbem-4173	29	17	.	.	PUNCT
fbem-4173	30	1	empirical	empirical	ADJ
fbem-4173	30	2	analysis	analysis	NOUN
fbem-4173	30	3	5.1	5.1	NUM
fbem-4173	30	4	.	.	PUNCT
fbem-4173	31	1	research	research	NOUN
fbem-4173	31	2	hypothesis	hypothesis	NOUN
fbem-4173	31	3	this	this	DET
fbem-4173	31	4	paper	paper	NOUN
fbem-4173	31	5	holds	hold	VERB
fbem-4173	31	6	that	that	SCONJ
fbem-4173	31	7	the	the	DET
fbem-4173	31	8	long	long	ADJ
fbem-4173	31	9	tail	tail	NOUN
fbem-4173	31	10	theory	theory	NOUN
fbem-4173	31	11	can	can	AUX
fbem-4173	31	12	help	help	VERB
fbem-4173	31	13	small	small	ADJ
fbem-4173	31	14	and	and	CCONJ
fbem-4173	31	15	medium	medium	ADJ
fbem-4173	31	16	-	-	PUNCT
fbem-4173	31	17	sized	sized	ADJ
fbem-4173	31	18	commercial	commercial	ADJ
fbem-4173	31	19	banks	bank	NOUN
fbem-4173	31	20	to	to	PART
fbem-4173	31	21	tap	tap	VERB
fbem-4173	31	22	a	a	DET
fbem-4173	31	23	large	large	ADJ
fbem-4173	31	24	potential	potential	ADJ
fbem-4173	31	25	customer	customer	NOUN
fbem-4173	31	26	base	base	NOUN
fbem-4173	31	27	in	in	ADP
fbem-4173	31	28	the	the	DET
fbem-4173	31	29	development	development	NOUN
fbem-4173	31	30	of	of	ADP
fbem-4173	31	31	financial	financial	ADJ
fbem-4173	31	32	technology	technology	NOUN
fbem-4173	31	33	,	,	PUNCT
fbem-4173	31	34	open	open	VERB
fbem-4173	31	35	up	up	ADP
fbem-4173	31	36	the	the	DET
fbem-4173	31	37	market	market	NOUN
fbem-4173	31	38	share	share	NOUN
fbem-4173	31	39	of	of	ADP
fbem-4173	31	40	the	the	DET
fbem-4173	31	41	long	long	ADJ
fbem-4173	31	42	tail	tail	NOUN
fbem-4173	31	43	,	,	PUNCT
fbem-4173	31	44	and	and	CCONJ
fbem-4173	31	45	thus	thus	ADV
fbem-4173	31	46	increase	increase	VERB
fbem-4173	31	47	the	the	DET
fbem-4173	31	48	profitability	profitability	NOUN
fbem-4173	31	49	of	of	ADP
fbem-4173	31	50	banks	bank	NOUN
fbem-4173	31	51	,	,	PUNCT
fbem-4173	31	52	and	and	CCONJ
fbem-4173	31	53	from	from	ADP
fbem-4173	31	54	the	the	DET
fbem-4173	31	55	theory	theory	NOUN
fbem-4173	31	56	of	of	ADP
fbem-4173	31	57	financial	financial	ADJ
fbem-4173	31	58	0	0	NUM
fbem-4173	31	59	0.5	0.5	NUM
fbem-4173	31	60	1	1	NUM
fbem-4173	31	61	1.5	1.5	NUM
fbem-4173	31	62	2	2	NUM
fbem-4173	31	63	2.5	2.5	NUM
fbem-4173	31	64	3	3	NUM
fbem-4173	31	65	2015	2015	NUM
fbem-4173	31	66	2016	2016	NUM
fbem-4173	31	67	2017	2017	NUM
fbem-4173	31	68	2018	2018	NUM
fbem-4173	31	69	2019	2019	NUM
fbem-4173	31	70	2020	2020	NUM
fbem-4173	31	71	2021q3	2021q3	NUM
fbem-4173	31	72	nim	nim	NOUN
fbem-4173	31	73	of	of	ADP
fbem-4173	31	74	commercial	commercial	ADJ
fbem-4173	31	75	banks	bank	NOUN
fbem-4173	31	76	nim	nim	PROPN
fbem-4173	31	77	of	of	ADP
fbem-4173	31	78	city	city	PROPN
fbem-4173	31	79	commercial	commercial	PROPN
fbem-4173	31	80	bank	bank	PROPN
fbem-4173	31	81	0	0	NUM
fbem-4173	32	1	0.2	0.2	NUM
fbem-4173	32	2	0.4	0.4	NUM
fbem-4173	32	3	0.6	0.6	NUM
fbem-4173	32	4	0.8	0.8	NUM
fbem-4173	32	5	1	1	NUM
fbem-4173	32	6	1.2	1.2	NUM
fbem-4173	32	7	2015	2015	NUM
fbem-4173	32	8	2016	2016	NUM
fbem-4173	32	9	2017	2017	NUM
fbem-4173	32	10	2018	2018	NUM
fbem-4173	32	11	2019	2019	NUM
fbem-4173	32	12	2020	2020	NUM
fbem-4173	32	13	2021q3	2021q3	NUM
fbem-4173	32	14	roa	roa	NOUN
fbem-4173	32	15	of	of	ADP
fbem-4173	32	16	commercial	commercial	ADJ
fbem-4173	32	17	banks	bank	NOUN
fbem-4173	32	18	roa	roa	PROPN
fbem-4173	32	19	of	of	ADP
fbem-4173	32	20	city	city	PROPN
fbem-4173	32	21	commercial	commercial	PROPN
fbem-4173	32	22	bank	bank	PROPN
fbem-4173	32	23	roa	roa	NOUN
fbem-4173	32	24	of	of	ADP
fbem-4173	32	25	agricultural	agricultural	ADJ
fbem-4173	32	26	and	and	CCONJ
fbem-4173	32	27	commercial	commercial	ADJ
fbem-4173	32	28	banks	bank	NOUN
fbem-4173	32	29	229	229	NUM
fbem-4173	32	30	function	function	NOUN
fbem-4173	32	31	,	,	PUNCT
fbem-4173	32	32	it	it	PRON
fbem-4173	32	33	can	can	AUX
fbem-4173	32	34	reduce	reduce	VERB
fbem-4173	32	35	the	the	DET
fbem-4173	32	36	operating	operating	NOUN
fbem-4173	32	37	cost	cost	NOUN
fbem-4173	32	38	,	,	PUNCT
fbem-4173	32	39	improve	improve	VERB
fbem-4173	32	40	the	the	DET
fbem-4173	32	41	efficient	efficient	ADJ
fbem-4173	32	42	management	management	NOUN
fbem-4173	32	43	of	of	ADP
fbem-4173	32	44	information	information	NOUN
fbem-4173	32	45	and	and	CCONJ
fbem-4173	32	46	enhance	enhance	VERB
fbem-4173	32	47	the	the	DET
fbem-4173	32	48	efficiency	efficiency	NOUN
fbem-4173	32	49	of	of	ADP
fbem-4173	32	50	risk	risk	NOUN
fbem-4173	32	51	control	control	NOUN
fbem-4173	32	52	.	.	PUNCT
fbem-4173	33	1	hypothesis	hypothesis	NOUN
fbem-4173	33	2	1	1	NUM
fbem-4173	33	3	:	:	PUNCT
fbem-4173	33	4	the	the	DET
fbem-4173	33	5	application	application	NOUN
fbem-4173	33	6	of	of	ADP
fbem-4173	33	7	financial	financial	ADJ
fbem-4173	33	8	technology	technology	NOUN
fbem-4173	33	9	has	have	VERB
fbem-4173	33	10	a	a	DET
fbem-4173	33	11	positive	positive	ADJ
fbem-4173	33	12	impact	impact	NOUN
fbem-4173	33	13	on	on	ADP
fbem-4173	33	14	the	the	DET
fbem-4173	33	15	profitability	profitability	NOUN
fbem-4173	33	16	of	of	ADP
fbem-4173	33	17	small	small	ADJ
fbem-4173	33	18	and	and	CCONJ
fbem-4173	33	19	mediumsized	mediumsized	ADJ
fbem-4173	33	20	commercial	commercial	ADJ
fbem-4173	33	21	banks	bank	NOUN
fbem-4173	33	22	.	.	PUNCT
fbem-4173	34	1	hypothesis	hypothesis	NOUN
fbem-4173	34	2	2	2	NUM
fbem-4173	34	3	:	:	PUNCT
fbem-4173	34	4	the	the	DET
fbem-4173	34	5	application	application	NOUN
fbem-4173	34	6	of	of	ADP
fbem-4173	34	7	fintech	fintech	NOUN
fbem-4173	34	8	has	have	VERB
fbem-4173	34	9	heterogeneity	heterogeneity	NOUN
fbem-4173	34	10	to	to	ADP
fbem-4173	34	11	the	the	DET
fbem-4173	34	12	promotion	promotion	NOUN
fbem-4173	34	13	of	of	ADP
fbem-4173	34	14	its	its	PRON
fbem-4173	34	15	profitability	profitability	NOUN
fbem-4173	34	16	.	.	PUNCT
fbem-4173	35	1	5.2	5.2	NUM
fbem-4173	35	2	.	.	PUNCT
fbem-4173	35	3	model	model	NOUN
fbem-4173	35	4	design	design	NOUN
fbem-4173	35	5	in	in	ADP
fbem-4173	35	6	this	this	DET
fbem-4173	35	7	paper	paper	NOUN
fbem-4173	35	8	,	,	PUNCT
fbem-4173	35	9	the	the	DET
fbem-4173	35	10	small	small	ADJ
fbem-4173	35	11	and	and	CCONJ
fbem-4173	35	12	medium	medium	ADJ
fbem-4173	35	13	-	-	PUNCT
fbem-4173	35	14	sized	sized	ADJ
fbem-4173	35	15	commercial	commercial	ADJ
fbem-4173	35	16	banks	bank	NOUN
fbem-4173	35	17	in	in	ADP
fbem-4173	35	18	2015	2015	NUM
fbem-4173	35	19	-	-	SYM
fbem-4173	35	20	2020	2020	NUM
fbem-4173	35	21	through	through	ADP
fbem-4173	35	22	the	the	DET
fbem-4173	35	23	collection	collection	NOUN
fbem-4173	35	24	of	of	ADP
fbem-4173	35	25	data	datum	NOUN
fbem-4173	35	26	panel	panel	NOUN
fbem-4173	35	27	data	datum	NOUN
fbem-4173	35	28	for	for	ADP
fbem-4173	35	29	regression	regression	NOUN
fbem-4173	35	30	analysis	analysis	NOUN
fbem-4173	35	31	,	,	PUNCT
fbem-4173	35	32	the	the	DET
fbem-4173	35	33	model	model	NOUN
fbem-4173	35	34	is	be	AUX
fbem-4173	35	35	as	as	SCONJ
fbem-4173	35	36	follows	follow	VERB
fbem-4173	35	37	:	:	PUNCT
fbem-4173	36	1	i	i	NOUN
fbem-4173	36	2	0	0	NUM
fbem-4173	36	3	1	1	NUM
fbem-4173	36	4	2	2	NUM
fbem-4173	36	5	3	3	NUM
fbem-4173	36	6	4	4	NUM
fbem-4173	36	7	5=	5=	NUM
fbem-4173	36	8	l	l	NOUN
fbem-4173	37	1	n	n	ADP
fbem-4173	37	2	s	s	VERB
fbem-4173	37	3	iz	iz	INTJ
fbem-4173	37	4	eitt	eitt	NOUN
fbem-4173	38	1	t	t	PROPN
fbem-4173	38	2	it	it	PRON
fbem-4173	39	1	it	it	PRON
fbem-4173	40	1	it	it	PRON
fbem-4173	41	1	i	i	PRON
fbem-4173	41	2	t	t	PROPN
fbem-4173	41	3	itr	itr	X
fbem-4173	42	1	o	o	NOUN
fbem-4173	43	1	e	e	X
fbem-4173	43	2	f	f	PROPN
fbem-4173	43	3	t	t	PROPN
fbem-4173	43	4	c	c	PROPN
fbem-4173	43	5	a	a	DET
fbem-4173	43	6	r	r	NOUN
fbem-4173	43	7	n	n	NOUN
fbem-4173	43	8	p	p	NOUN
fbem-4173	43	9	l	l	NOUN
fbem-4173	43	10	c	c	NOUN
fbem-4173	44	1	i	i	PRON
fbem-4173	44	2	r	r	NOUN
fbem-4173	44	3	u	u	NOUN
fbem-4173	44	4	v	v	NOUN
fbem-4173	44	5			PROPN
fbem-4173	44	6			PROPN
fbem-4173	44	7			PROPN
fbem-4173	44	8			PROPN
fbem-4173	44	9			PROPN
fbem-4173	44	10			PROPN
fbem-4173	44	11			ADV
fbem-4173	44	12			PROPN
fbem-4173	44	13			PROPN
fbem-4173	44	14			PROPN
fbem-4173	44	15			PROPN
fbem-4173	44	16			PUNCT
fbem-4173	44	17			VERB
fbem-4173	44	18	in	in	ADP
fbem-4173	44	19	the	the	DET
fbem-4173	44	20	model	model	NOUN
fbem-4173	44	21	,	,	PUNCT
fbem-4173	44	22	t	t	PROPN
fbem-4173	44	23	stands	stand	VERB
fbem-4173	44	24	for	for	ADP
fbem-4173	44	25	time	time	NOUN
fbem-4173	44	26	,	,	PUNCT
fbem-4173	44	27	i	i	PRON
fbem-4173	44	28	stands	stand	VERB
fbem-4173	44	29	for	for	ADP
fbem-4173	44	30	commercial	commercial	ADJ
fbem-4173	44	31	banks	bank	NOUN
fbem-4173	44	32	in	in	ADP
fbem-4173	44	33	each	each	DET
fbem-4173	44	34	region	region	NOUN
fbem-4173	44	35	,	,	PUNCT
fbem-4173	44	36	roe	roe	PROPN
fbem-4173	44	37	stands	stand	VERB
fbem-4173	44	38	for	for	ADP
fbem-4173	44	39	listed	list	VERB
fbem-4173	44	40	banks	bank	NOUN
fbem-4173	44	41	'	'	PART
fbem-4173	44	42	profits	profit	NOUN
fbem-4173	44	43	,	,	PUNCT
fbem-4173	44	44	ft	ft	PROPN
fbem-4173	44	45	stands	stand	VERB
fbem-4173	44	46	for	for	ADP
fbem-4173	44	47	their	their	PRON
fbem-4173	44	48	use	use	NOUN
fbem-4173	44	49	of	of	ADP
fbem-4173	44	50	financial	financial	ADJ
fbem-4173	44	51	technology	technology	NOUN
fbem-4173	44	52	,	,	PUNCT
fbem-4173	44	53	car	car	NOUN
fbem-4173	44	54	stands	stand	VERB
fbem-4173	44	55	for	for	ADP
fbem-4173	44	56	capital	capital	NOUN
fbem-4173	44	57	adequacy	adequacy	NOUN
fbem-4173	44	58	ratio	ratio	NOUN
fbem-4173	44	59	,	,	PUNCT
fbem-4173	44	60	npl	npl	PROPN
fbem-4173	44	61	stands	stand	VERB
fbem-4173	44	62	for	for	ADP
fbem-4173	44	63	non	non	ADJ
fbem-4173	44	64	-	-	ADJ
fbem-4173	44	65	performing	performing	ADJ
fbem-4173	44	66	loans	loan	NOUN
fbem-4173	44	67	,	,	PUNCT
fbem-4173	44	68	cir	cir	NOUN
fbem-4173	44	69	represents	represent	VERB
fbem-4173	44	70	the	the	DET
fbem-4173	44	71	cost	cost	NOUN
fbem-4173	44	72	income	income	NOUN
fbem-4173	44	73	ratio	ratio	NOUN
fbem-4173	44	74	,	,	PUNCT
fbem-4173	44	75	lnsize	lnsize	NOUN
fbem-4173	44	76	represents	represent	VERB
fbem-4173	44	77	the	the	DET
fbem-4173	44	78	natural	natural	ADJ
fbem-4173	44	79	logarithm	logarithm	NOUN
fbem-4173	44	80	of	of	ADP
fbem-4173	44	81	total	total	ADJ
fbem-4173	44	82	assets	asset	NOUN
fbem-4173	44	83	,	,	PUNCT
fbem-4173	44	84	εit	εit	NOUN
fbem-4173	44	85	represents	represent	VERB
fbem-4173	44	86	the	the	DET
fbem-4173	44	87	error	error	NOUN
fbem-4173	44	88	term	term	NOUN
fbem-4173	44	89	,	,	PUNCT
fbem-4173	44	90	and	and	CCONJ
fbem-4173	44	91	ui	ui	PROPN
fbem-4173	44	92	and	and	CCONJ
fbem-4173	44	93	vt	vt	PROPN
fbem-4173	44	94	represent	represent	VERB
fbem-4173	44	95	the	the	DET
fbem-4173	44	96	individual	individual	ADJ
fbem-4173	44	97	and	and	CCONJ
fbem-4173	44	98	time	time	NOUN
fbem-4173	44	99	-	-	PUNCT
fbem-4173	44	100	fixed	fix	VERB
fbem-4173	44	101	effects	effect	NOUN
fbem-4173	44	102	,	,	PUNCT
fbem-4173	44	103	respectively	respectively	ADV
fbem-4173	44	104	.	.	PUNCT
fbem-4173	45	1	5.3	5.3	NUM
fbem-4173	45	2	.	.	PUNCT
fbem-4173	46	1	data	datum	NOUN
fbem-4173	46	2	sources	source	NOUN
fbem-4173	46	3	taking	take	VERB
fbem-4173	46	4	2015	2015	NUM
fbem-4173	46	5	as	as	ADP
fbem-4173	46	6	the	the	DET
fbem-4173	46	7	starting	starting	NOUN
fbem-4173	46	8	point	point	NOUN
fbem-4173	46	9	of	of	ADP
fbem-4173	46	10	empirical	empirical	ADJ
fbem-4173	46	11	analysis	analysis	NOUN
fbem-4173	46	12	,	,	PUNCT
fbem-4173	46	13	the	the	DET
fbem-4173	46	14	data	data	NOUN
fbem-4173	46	15	span	span	NOUN
fbem-4173	46	16	is	be	AUX
fbem-4173	46	17	2015	2015	NUM
fbem-4173	46	18	-	-	SYM
fbem-4173	46	19	2020	2020	NUM
fbem-4173	46	20	.	.	PUNCT
fbem-4173	47	1	in	in	ADP
fbem-4173	47	2	order	order	NOUN
fbem-4173	47	3	to	to	PART
fbem-4173	47	4	ensure	ensure	VERB
fbem-4173	47	5	the	the	DET
fbem-4173	47	6	integrity	integrity	NOUN
fbem-4173	47	7	of	of	ADP
fbem-4173	47	8	the	the	DET
fbem-4173	47	9	data	datum	NOUN
fbem-4173	47	10	and	and	CCONJ
fbem-4173	47	11	research	research	NOUN
fbem-4173	47	12	,	,	PUNCT
fbem-4173	47	13	this	this	DET
fbem-4173	47	14	article	article	NOUN
fbem-4173	47	15	selected	select	VERB
fbem-4173	47	16	43	43	NUM
fbem-4173	47	17	commercial	commercial	ADJ
fbem-4173	47	18	banks	bank	NOUN
fbem-4173	47	19	data	datum	NOUN
fbem-4173	47	20	,	,	PUNCT
fbem-4173	47	21	a	a	DET
fbem-4173	47	22	total	total	NOUN
fbem-4173	47	23	of	of	ADP
fbem-4173	47	24	258	258	NUM
fbem-4173	47	25	,	,	PUNCT
fbem-4173	47	26	selected	select	VERB
fbem-4173	47	27	in	in	ADP
fbem-4173	47	28	addition	addition	NOUN
fbem-4173	47	29	to	to	ADP
fbem-4173	47	30	the	the	DET
fbem-4173	47	31	listed	list	VERB
fbem-4173	47	32	16	16	NUM
fbem-4173	47	33	city	city	NOUN
fbem-4173	47	34	commercial	commercial	ADJ
fbem-4173	47	35	banks	bank	NOUN
fbem-4173	47	36	,	,	PUNCT
fbem-4173	47	37	there	there	PRON
fbem-4173	47	38	are	be	VERB
fbem-4173	47	39	also	also	ADV
fbem-4173	47	40	other	other	ADJ
fbem-4173	47	41	urban	urban	ADJ
fbem-4173	47	42	commercial	commercial	ADJ
fbem-4173	47	43	banks	bank	NOUN
fbem-4173	47	44	and	and	CCONJ
fbem-4173	47	45	rural	rural	ADJ
fbem-4173	47	46	commercial	commercial	ADJ
fbem-4173	47	47	banks	bank	NOUN
fbem-4173	47	48	in	in	ADP
fbem-4173	47	49	the	the	DET
fbem-4173	47	50	various	various	ADJ
fbem-4173	47	51	regions	region	NOUN
fbem-4173	47	52	.	.	PUNCT
fbem-4173	48	1	the	the	DET
fbem-4173	48	2	bank	bank	NOUN
fbem-4173	48	3	data	datum	NOUN
fbem-4173	48	4	comes	come	VERB
fbem-4173	48	5	from	from	ADP
fbem-4173	48	6	wind	wind	NOUN
fbem-4173	48	7	database	database	NOUN
fbem-4173	48	8	and	and	CCONJ
fbem-4173	48	9	is	be	AUX
fbem-4173	48	10	processed	process	VERB
fbem-4173	48	11	by	by	ADP
fbem-4173	48	12	spss	spss	PROPN
fbem-4173	48	13	software	software	NOUN
fbem-4173	48	14	.	.	PUNCT
fbem-4173	49	1	5.4	5.4	NUM
fbem-4173	49	2	.	.	PUNCT
fbem-4173	49	3	descriptive	descriptive	ADJ
fbem-4173	49	4	analysis	analysis	NOUN
fbem-4173	49	5	as	as	SCONJ
fbem-4173	49	6	shown	show	VERB
fbem-4173	49	7	in	in	ADP
fbem-4173	49	8	table	table	NOUN
fbem-4173	49	9	1	1	NUM
fbem-4173	49	10	,	,	PUNCT
fbem-4173	49	11	the	the	DET
fbem-4173	49	12	roe	roe	NOUN
fbem-4173	49	13	(	(	PUNCT
fbem-4173	49	14	%	%	INTJ
fbem-4173	49	15	)	)	PUNCT
fbem-4173	49	16	mean	mean	NOUN
fbem-4173	49	17	and	and	CCONJ
fbem-4173	49	18	standard	standard	ADJ
fbem-4173	49	19	deviation	deviation	NOUN
fbem-4173	49	20	were	be	AUX
fbem-4173	49	21	13.258	13.258	NUM
fbem-4173	49	22	and	and	CCONJ
fbem-4173	49	23	4.222	4.222	NUM
fbem-4173	49	24	,	,	PUNCT
fbem-4173	49	25	respectively	respectively	ADV
fbem-4173	49	26	,	,	PUNCT
fbem-4173	49	27	and	and	CCONJ
fbem-4173	49	28	the	the	DET
fbem-4173	49	29	minimum	minimum	NOUN
fbem-4173	49	30	and	and	CCONJ
fbem-4173	49	31	maximum	maximum	ADJ
fbem-4173	49	32	were	be	AUX
fbem-4173	49	33	1.55	1.55	NUM
fbem-4173	49	34	and	and	CCONJ
fbem-4173	49	35	31.71	31.71	NUM
fbem-4173	49	36	,	,	PUNCT
fbem-4173	49	37	respectively	respectively	ADV
fbem-4173	49	38	,	,	PUNCT
fbem-4173	49	39	with	with	ADP
fbem-4173	49	40	significant	significant	ADJ
fbem-4173	49	41	differences	difference	NOUN
fbem-4173	49	42	among	among	ADP
fbem-4173	49	43	small	small	ADJ
fbem-4173	49	44	and	and	CCONJ
fbem-4173	49	45	medium	medium	ADJ
fbem-4173	49	46	-	-	PUNCT
fbem-4173	49	47	sized	sized	ADJ
fbem-4173	49	48	commercial	commercial	ADJ
fbem-4173	49	49	banks	bank	NOUN
fbem-4173	49	50	.	.	PUNCT
fbem-4173	50	1	the	the	DET
fbem-4173	50	2	maximum	maximum	ADJ
fbem-4173	50	3	and	and	CCONJ
fbem-4173	50	4	minimum	minimum	ADJ
fbem-4173	50	5	values	value	NOUN
fbem-4173	50	6	of	of	ADP
fbem-4173	50	7	the	the	DET
fbem-4173	50	8	total	total	ADJ
fbem-4173	50	9	index	index	NOUN
fbem-4173	50	10	were	be	AUX
fbem-4173	50	11	431.93	431.93	NUM
fbem-4173	50	12	and	and	CCONJ
fbem-4173	50	13	193.29	193.29	NUM
fbem-4173	50	14	,	,	PUNCT
fbem-4173	50	15	respectively	respectively	ADV
fbem-4173	50	16	,	,	PUNCT
fbem-4173	50	17	with	with	ADP
fbem-4173	50	18	a	a	DET
fbem-4173	50	19	mean	mean	NOUN
fbem-4173	50	20	of	of	ADP
fbem-4173	50	21	302.695	302.695	NUM
fbem-4173	50	22	and	and	CCONJ
fbem-4173	50	23	a	a	DET
fbem-4173	50	24	standard	standard	ADJ
fbem-4173	50	25	deviation	deviation	NOUN
fbem-4173	50	26	of	of	ADP
fbem-4173	50	27	56.943	56.943	NUM
fbem-4173	50	28	.	.	PUNCT
fbem-4173	51	1	in	in	ADP
fbem-4173	51	2	the	the	DET
fbem-4173	51	3	control	control	NOUN
fbem-4173	51	4	variables	variable	NOUN
fbem-4173	51	5	,	,	PUNCT
fbem-4173	51	6	the	the	DET
fbem-4173	51	7	average	average	ADJ
fbem-4173	51	8	non	non	ADJ
fbem-4173	51	9	-	-	ADJ
fbem-4173	51	10	performing	performing	ADJ
fbem-4173	51	11	loan	loan	NOUN
fbem-4173	51	12	ratio	ratio	NOUN
fbem-4173	51	13	is	be	AUX
fbem-4173	51	14	1.525	1.525	NUM
fbem-4173	51	15	,	,	PUNCT
fbem-4173	51	16	the	the	DET
fbem-4173	51	17	standard	standard	ADJ
fbem-4173	51	18	deviation	deviation	NOUN
fbem-4173	51	19	is	be	AUX
fbem-4173	51	20	0.498	0.498	NUM
fbem-4173	51	21	,	,	PUNCT
fbem-4173	51	22	which	which	PRON
fbem-4173	51	23	indicates	indicate	VERB
fbem-4173	51	24	that	that	SCONJ
fbem-4173	51	25	the	the	DET
fbem-4173	51	26	asset	asset	NOUN
fbem-4173	51	27	quality	quality	NOUN
fbem-4173	51	28	of	of	ADP
fbem-4173	51	29	small	small	ADJ
fbem-4173	51	30	and	and	CCONJ
fbem-4173	51	31	medium	medium	ADJ
fbem-4173	51	32	-	-	PUNCT
fbem-4173	51	33	sized	sized	ADJ
fbem-4173	51	34	commercial	commercial	ADJ
fbem-4173	51	35	banks	bank	NOUN
fbem-4173	51	36	is	be	AUX
fbem-4173	51	37	very	very	ADV
fbem-4173	51	38	good	good	ADJ
fbem-4173	51	39	,	,	PUNCT
fbem-4173	51	40	and	and	CCONJ
fbem-4173	51	41	the	the	DET
fbem-4173	51	42	dispersion	dispersion	NOUN
fbem-4173	51	43	is	be	AUX
fbem-4173	51	44	very	very	ADV
fbem-4173	51	45	small	small	ADJ
fbem-4173	51	46	.	.	PUNCT
fbem-4173	52	1	the	the	DET
fbem-4173	52	2	asset	asset	NOUN
fbem-4173	52	3	size	size	NOUN
fbem-4173	52	4	and	and	CCONJ
fbem-4173	52	5	standard	standard	ADJ
fbem-4173	52	6	deviation	deviation	NOUN
fbem-4173	52	7	were	be	AUX
fbem-4173	52	8	8.135	8.135	NUM
fbem-4173	52	9	and	and	CCONJ
fbem-4173	52	10	1.45	1.45	NUM
fbem-4173	52	11	,	,	PUNCT
fbem-4173	52	12	respectively	respectively	ADV
fbem-4173	52	13	.	.	PUNCT
fbem-4173	53	1	the	the	DET
fbem-4173	53	2	results	result	NOUN
fbem-4173	53	3	show	show	VERB
fbem-4173	53	4	that	that	SCONJ
fbem-4173	53	5	the	the	DET
fbem-4173	53	6	asset	asset	NOUN
fbem-4173	53	7	scale	scale	NOUN
fbem-4173	53	8	of	of	ADP
fbem-4173	53	9	small	small	ADJ
fbem-4173	53	10	and	and	CCONJ
fbem-4173	53	11	medium	medium	ADJ
fbem-4173	53	12	-	-	PUNCT
fbem-4173	53	13	sized	sized	ADJ
fbem-4173	53	14	commercial	commercial	ADJ
fbem-4173	53	15	banks	bank	NOUN
fbem-4173	53	16	is	be	AUX
fbem-4173	53	17	very	very	ADV
fbem-4173	53	18	different	different	ADJ
fbem-4173	53	19	,	,	PUNCT
fbem-4173	53	20	and	and	CCONJ
fbem-4173	53	21	the	the	DET
fbem-4173	53	22	difference	difference	NOUN
fbem-4173	53	23	between	between	ADP
fbem-4173	53	24	urban	urban	ADJ
fbem-4173	53	25	and	and	CCONJ
fbem-4173	53	26	rural	rural	ADJ
fbem-4173	53	27	areas	area	NOUN
fbem-4173	53	28	is	be	AUX
fbem-4173	53	29	also	also	ADV
fbem-4173	53	30	very	very	ADV
fbem-4173	53	31	big	big	ADJ
fbem-4173	53	32	,	,	PUNCT
fbem-4173	53	33	which	which	PRON
fbem-4173	53	34	will	will	AUX
fbem-4173	53	35	have	have	VERB
fbem-4173	53	36	a	a	DET
fbem-4173	53	37	certain	certain	ADJ
fbem-4173	53	38	impact	impact	NOUN
fbem-4173	53	39	on	on	ADP
fbem-4173	53	40	the	the	DET
fbem-4173	53	41	profitability	profitability	NOUN
fbem-4173	53	42	of	of	ADP
fbem-4173	53	43	the	the	DET
fbem-4173	53	44	company	company	NOUN
fbem-4173	53	45	.	.	PUNCT
fbem-4173	54	1	the	the	DET
fbem-4173	54	2	mean	mean	ADJ
fbem-4173	54	3	capital	capital	NOUN
fbem-4173	54	4	adequacy	adequacy	NOUN
fbem-4173	54	5	ratio	ratio	NOUN
fbem-4173	54	6	(	(	PUNCT
fbem-4173	54	7	%	%	INTJ
fbem-4173	54	8	)	)	PUNCT
fbem-4173	54	9	was	be	AUX
fbem-4173	54	10	13.551	13.551	NUM
fbem-4173	54	11	with	with	ADP
fbem-4173	54	12	a	a	DET
fbem-4173	54	13	standard	standard	ADJ
fbem-4173	54	14	deviation	deviation	NOUN
fbem-4173	54	15	of	of	ADP
fbem-4173	54	16	1.65	1.65	NUM
fbem-4173	54	17	.	.	PUNCT
fbem-4173	55	1	this	this	PRON
fbem-4173	55	2	suggests	suggest	VERB
fbem-4173	55	3	that	that	SCONJ
fbem-4173	55	4	different	different	ADJ
fbem-4173	55	5	banks	bank	NOUN
fbem-4173	55	6	have	have	VERB
fbem-4173	55	7	different	different	ADJ
fbem-4173	55	8	risk	risk	NOUN
fbem-4173	55	9	defences	defence	NOUN
fbem-4173	55	10	.	.	PUNCT
fbem-4173	56	1	table	table	NOUN
fbem-4173	56	2	1	1	NUM
fbem-4173	56	3	.	.	PUNCT
fbem-4173	56	4	variable	variable	ADJ
fbem-4173	56	5	correlation	correlation	NOUN
fbem-4173	56	6	coefficient	coefficient	NOUN
fbem-4173	56	7	table	table	NOUN
fbem-4173	56	8	variable	variable	ADJ
fbem-4173	56	9	obs	obs	PROPN
fbem-4173	56	10	.	.	PUNCT
fbem-4173	57	1	max	max	PROPN
fbem-4173	57	2	min	min	PROPN
fbem-4173	57	3	mean	mean	PROPN
fbem-4173	57	4	std.dev	std.dev	NUM
fbem-4173	57	5	variance	variance	NOUN
fbem-4173	57	6	roe	roe	NOUN
fbem-4173	57	7	231	231	NUM
fbem-4173	57	8	31.71	31.71	NUM
fbem-4173	57	9	1.55	1.55	NUM
fbem-4173	57	10	13.258	13.258	NUM
fbem-4173	57	11	4.222	4.222	NUM
fbem-4173	57	12	17.828	17.828	NUM
fbem-4173	57	13	roa	roa	NOUN
fbem-4173	57	14	231	231	NUM
fbem-4173	57	15	2.58	2.58	NUM
fbem-4173	57	16	0.12	0.12	NUM
fbem-4173	57	17	0.896	0.896	NUM
fbem-4173	57	18	0.277	0.277	NUM
fbem-4173	57	19	0.077	0.077	NUM
fbem-4173	57	20	non	non	ADJ
fbem-4173	57	21	-	-	ADJ
fbem-4173	57	22	performing	perform	VERB
fbem-4173	57	23	loan	loan	NOUN
fbem-4173	57	24	ratio	ratio	NOUN
fbem-4173	57	25	231	231	NUM
fbem-4173	57	26	3.71	3.71	NUM
fbem-4173	57	27	0.42	0.42	NUM
fbem-4173	57	28	1.525	1.525	NUM
fbem-4173	57	29	0.498	0.498	NUM
fbem-4173	57	30	0.248	0.248	NUM
fbem-4173	57	31	capital	capital	NOUN
fbem-4173	57	32	adequacy	adequacy	NOUN
fbem-4173	57	33	ratio	ratio	NOUN
fbem-4173	57	34	231	231	NUM
fbem-4173	57	35	18.94	18.94	NUM
fbem-4173	57	36	7.15	7.15	NUM
fbem-4173	57	37	13.551	13.551	NUM
fbem-4173	57	38	1.65	1.65	NUM
fbem-4173	57	39	2.724	2.724	NUM
fbem-4173	57	40	core	core	NOUN
fbem-4173	57	41	capital	capital	NOUN
fbem-4173	57	42	adequacy	adequacy	NOUN
fbem-4173	57	43	ratio	ratio	NOUN
fbem-4173	57	44	231	231	NUM
fbem-4173	57	45	16.08	16.08	NUM
fbem-4173	57	46	6.03	6.03	NUM
fbem-4173	57	47	10.422	10.422	NUM
fbem-4173	57	48	1.872	1.872	NUM
fbem-4173	57	49	3.504	3.504	NUM
fbem-4173	57	50	size	size	NOUN
fbem-4173	57	51	of	of	ADP
fbem-4173	57	52	capital	capital	NOUN
fbem-4173	57	53	(	(	PUNCT
fbem-4173	57	54	logarithm	logarithm	NOUN
fbem-4173	57	55	)	)	PUNCT
fbem-4173	57	56	231	231	NUM
fbem-4173	57	57	11.284	11.284	NUM
fbem-4173	57	58	3.467	3.467	NUM
fbem-4173	57	59	8.135	8.135	NUM
fbem-4173	57	60	1.45	1.45	NUM
fbem-4173	57	61	2.103	2.103	NUM
fbem-4173	57	62	cost	cost	NOUN
fbem-4173	57	63	-	-	PUNCT
fbem-4173	57	64	to	to	ADP
fbem-4173	57	65	-	-	PUNCT
fbem-4173	57	66	income	income	NOUN
fbem-4173	57	67	ratio	ratio	NOUN
fbem-4173	57	68	231	231	NUM
fbem-4173	57	69	77.96	77.96	NUM
fbem-4173	57	70	18.93	18.93	NUM
fbem-4173	57	71	30.497	30.497	NUM
fbem-4173	57	72	7.099	7.099	NUM
fbem-4173	57	73	50.395	50.395	NUM
fbem-4173	57	74	reserve	reserve	NOUN
fbem-4173	57	75	coverage	coverage	NOUN
fbem-4173	57	76	231	231	NUM
fbem-4173	57	77	541.23	541.23	NUM
fbem-4173	57	78	114.05	114.05	NUM
fbem-4173	57	79	249.991	249.991	NUM
fbem-4173	57	80	83.763	83.763	NUM
fbem-4173	58	1	7016.304	7016.304	NUM
fbem-4173	58	2	total	total	NOUN
fbem-4173	58	3	index	index	NOUN
fbem-4173	58	4	231	231	NUM
fbem-4173	58	5	431.93	431.93	NUM
fbem-4173	58	6	193.29	193.29	NUM
fbem-4173	58	7	302.695	302.695	NUM
fbem-4173	58	8	56.943	56.943	NUM
fbem-4173	58	9	3242.481	3242.481	NUM
fbem-4173	58	10	depth	depth	NOUN
fbem-4173	58	11	231	231	NUM
fbem-4173	58	12	488.68	488.68	NUM
fbem-4173	58	13	125.25	125.25	NUM
fbem-4173	58	14	301.894	301.894	NUM
fbem-4173	58	15	75.04	75.04	NUM
fbem-4173	58	16	5630.976	5630.976	NUM
fbem-4173	58	17	breadth	breadth	NOUN
fbem-4173	58	18	231	231	NUM
fbem-4173	58	19	397	397	NUM
fbem-4173	58	20	160.98	160.98	NUM
fbem-4173	58	21	280.473	280.473	NUM
fbem-4173	58	22	58.045	58.045	NUM
fbem-4173	58	23	3369.21	3369.21	NUM
fbem-4173	58	24	digit	digit	NOUN
fbem-4173	58	25	231	231	NUM
fbem-4173	58	26	462.23	462.23	NUM
fbem-4173	58	27	295.07	295.07	NUM
fbem-4173	58	28	377.547	377.547	NUM
fbem-4173	58	29	42.873	42.873	NUM
fbem-4173	58	30	1838.081	1838.081	NUM
fbem-4173	58	31	then	then	ADV
fbem-4173	58	32	,	,	PUNCT
fbem-4173	58	33	the	the	DET
fbem-4173	58	34	correlation	correlation	NOUN
fbem-4173	58	35	between	between	ADP
fbem-4173	58	36	the	the	DET
fbem-4173	58	37	explanatory	explanatory	ADJ
fbem-4173	58	38	variables	variable	NOUN
fbem-4173	58	39	and	and	CCONJ
fbem-4173	58	40	the	the	DET
fbem-4173	58	41	control	control	NOUN
fbem-4173	58	42	variables	variable	NOUN
fbem-4173	58	43	was	be	AUX
fbem-4173	58	44	tested	test	VERB
fbem-4173	58	45	.	.	PUNCT
fbem-4173	59	1	the	the	DET
fbem-4173	59	2	results	result	NOUN
fbem-4173	59	3	are	be	AUX
fbem-4173	59	4	shown	show	VERB
fbem-4173	59	5	in	in	ADP
fbem-4173	59	6	table	table	NOUN
fbem-4173	59	7	2	2	NUM
fbem-4173	59	8	.	.	PUNCT
fbem-4173	59	9	table	table	NOUN
fbem-4173	59	10	2	2	NUM
fbem-4173	59	11	.	.	PUNCT
fbem-4173	59	12	correlation	correlation	NOUN
fbem-4173	59	13	analysis	analysis	NOUN
fbem-4173	59	14	of	of	ADP
fbem-4173	59	15	control	control	NOUN
fbem-4173	59	16	variables	variable	NOUN
fbem-4173	59	17	nonperforming	nonperforme	VERB
fbem-4173	59	18	loan	loan	NOUN
fbem-4173	59	19	ratio	ratio	NOUN
fbem-4173	59	20	capital	capital	NOUN
fbem-4173	59	21	adequacy	adequacy	PROPN
fbem-4173	59	22	ratio	ratio	NOUN
fbem-4173	59	23	core	core	NOUN
fbem-4173	59	24	capital	capital	NOUN
fbem-4173	59	25	adequacy	adequacy	NOUN
fbem-4173	59	26	ratio	ratio	NOUN
fbem-4173	59	27	size	size	NOUN
fbem-4173	59	28	of	of	ADP
fbem-4173	59	29	capital	capital	NOUN
fbem-4173	59	30	(	(	PUNCT
fbem-4173	59	31	logarithm	logarithm	NOUN
fbem-4173	59	32	)	)	PUNCT
fbem-4173	59	33	cost	cost	NOUN
fbem-4173	59	34	-	-	PUNCT
fbem-4173	59	35	to	to	ADP
fbem-4173	59	36	-	-	PUNCT
fbem-4173	59	37	income	income	NOUN
fbem-4173	59	38	ratio	ratio	PROPN
fbem-4173	59	39	reserve	reserve	PROPN
fbem-4173	59	40	coverage	coverage	PROPN
fbem-4173	59	41	non	non	ADJ
fbem-4173	59	42	-	-	ADJ
fbem-4173	59	43	performing	perform	VERB
fbem-4173	59	44	loan	loan	NOUN
fbem-4173	59	45	ratio	ratio	NOUN
fbem-4173	59	46	1.000	1.000	NUM
fbem-4173	59	47	-0.146	-0.146	NOUN
fbem-4173	59	48	-0.013	-0.013	PUNCT
fbem-4173	59	49	-0.077	-0.077	PROPN
fbem-4173	59	50	0.117	0.117	NUM
fbem-4173	59	51	-0.596	-0.596	PUNCT
fbem-4173	59	52	capital	capital	NOUN
fbem-4173	59	53	adequacy	adequacy	NOUN
fbem-4173	59	54	ratio	ratio	NOUN
fbem-4173	59	55	-0.146	-0.146	NOUN
fbem-4173	59	56	1.000	1.000	NUM
fbem-4173	59	57	0.657	0.657	NUM
fbem-4173	59	58	-0.159	-0.159	NUM
fbem-4173	59	59	-0.183	-0.183	PUNCT
fbem-4173	59	60	0.233	0.233	NUM
fbem-4173	59	61	core	core	NOUN
fbem-4173	59	62	capital	capital	NOUN
fbem-4173	59	63	adequacy	adequacy	NOUN
fbem-4173	59	64	ratio	ratio	NOUN
fbem-4173	59	65	-0.013	-0.013	PUNCT
fbem-4173	59	66	0.657	0.657	NUM
fbem-4173	59	67	1.000	1.000	NUM
fbem-4173	59	68	-0.491	-0.491	NOUN
fbem-4173	59	69	0.098	0.098	NUM
fbem-4173	59	70	0.197	0.197	NUM
fbem-4173	59	71	size	size	NOUN
fbem-4173	59	72	of	of	ADP
fbem-4173	59	73	capital	capital	NOUN
fbem-4173	59	74	(	(	PUNCT
fbem-4173	59	75	logarithm	logarithm	PROPN
fbem-4173	59	76	)	)	PUNCT
fbem-4173	59	77	-0.077	-0.077	PUNCT
fbem-4173	59	78	-0.159	-0.159	NUM
fbem-4173	59	79	-0.491	-0.491	NOUN
fbem-4173	59	80	1.000	1.000	NUM
fbem-4173	59	81	-0.615	-0.615	NOUN
fbem-4173	59	82	-0.152	-0.152	PUNCT
fbem-4173	59	83	cost	cost	NOUN
fbem-4173	59	84	-	-	PUNCT
fbem-4173	59	85	to	to	ADP
fbem-4173	59	86	-	-	PUNCT
fbem-4173	59	87	income	income	NOUN
fbem-4173	59	88	ratio	ratio	NOUN
fbem-4173	59	89	0.117	0.117	NUM
fbem-4173	59	90	-0.183	-0.183	NUM
fbem-4173	59	91	0.098	0.098	NUM
fbem-4173	59	92	-0.615	-0.615	NOUN
fbem-4173	59	93	1.000	1.000	NUM
fbem-4173	59	94	0.050	0.050	NUM
fbem-4173	59	95	reserve	reserve	NOUN
fbem-4173	59	96	coverage	coverage	NOUN
fbem-4173	59	97	-0.596	-0.596	NOUN
fbem-4173	59	98	0.233	0.233	NUM
fbem-4173	59	99	0.197	0.197	NUM
fbem-4173	59	100	-0.152	-0.152	NOUN
fbem-4173	59	101	0.050	0.050	NUM
fbem-4173	59	102	1.000	1.000	NUM
fbem-4173	59	103	230	230	NUM
fbem-4173	59	104	this	this	PRON
fbem-4173	59	105	was	be	AUX
fbem-4173	59	106	followed	follow	VERB
fbem-4173	59	107	by	by	ADP
fbem-4173	59	108	a	a	DET
fbem-4173	59	109	multicollinearity	multicollinearity	NOUN
fbem-4173	59	110	analysis	analysis	NOUN
fbem-4173	59	111	of	of	ADP
fbem-4173	59	112	the	the	DET
fbem-4173	59	113	control	control	NOUN
fbem-4173	59	114	variables	variable	NOUN
fbem-4173	59	115	,	,	PUNCT
fbem-4173	59	116	as	as	SCONJ
fbem-4173	59	117	shown	show	VERB
fbem-4173	59	118	in	in	ADP
fbem-4173	59	119	table	table	NOUN
fbem-4173	59	120	4.4	4.4	NUM
fbem-4173	59	121	,	,	PUNCT
fbem-4173	59	122	resulting	result	VERB
fbem-4173	59	123	in	in	ADP
fbem-4173	59	124	a	a	DET
fbem-4173	59	125	tolerance	tolerance	NOUN
fbem-4173	59	126	of	of	ADP
fbem-4173	59	127	0.492	0.492	NUM
fbem-4173	59	128	,	,	PUNCT
fbem-4173	59	129	greater	great	ADJ
fbem-4173	59	130	than	than	ADP
fbem-4173	59	131	0.4	0.4	NUM
fbem-4173	59	132	,	,	PUNCT
fbem-4173	59	133	and	and	CCONJ
fbem-4173	59	134	a	a	DET
fbem-4173	59	135	vif	vif	NOUN
fbem-4173	59	136	of	of	ADP
fbem-4173	59	137	2.156	2.156	NUM
fbem-4173	59	138	,	,	PUNCT
fbem-4173	59	139	much	much	ADV
fbem-4173	59	140	less	less	ADJ
fbem-4173	59	141	than	than	ADP
fbem-4173	59	142	10	10	NUM
fbem-4173	59	143	,	,	PUNCT
fbem-4173	59	144	and	and	CCONJ
fbem-4173	59	145	therefore	therefore	ADV
fbem-4173	59	146	considered	consider	VERB
fbem-4173	59	147	multicollinearity	multicollinearity	NOUN
fbem-4173	59	148	.	.	PUNCT
fbem-4173	60	1	you	you	PRON
fbem-4173	60	2	can	can	AUX
fbem-4173	60	3	create	create	VERB
fbem-4173	60	4	the	the	DET
fbem-4173	60	5	following	follow	VERB
fbem-4173	60	6	panel	panel	NOUN
fbem-4173	60	7	model	model	NOUN
fbem-4173	60	8	.	.	PUNCT
fbem-4173	61	1	table	table	NOUN
fbem-4173	61	2	3	3	NUM
fbem-4173	61	3	.	.	PUNCT
fbem-4173	62	1	multicollinearity	multicollinearity	NOUN
fbem-4173	62	2	test	test	NOUN
fbem-4173	62	3	variance	variance	NOUN
fbem-4173	62	4	expansion	expansion	NOUN
fbem-4173	62	5	factor	factor	NOUN
fbem-4173	62	6	test	test	NOUN
fbem-4173	62	7	tolerance	tolerance	NOUN
fbem-4173	62	8	vif	vif	NOUN
fbem-4173	62	9	non	non	ADJ
fbem-4173	62	10	-	-	ADJ
fbem-4173	62	11	performing	perform	VERB
fbem-4173	62	12	loan	loan	NOUN
fbem-4173	62	13	ratio	ratio	NOUN
fbem-4173	62	14	0.608	0.608	NUM
fbem-4173	62	15	1.644	1.644	NUM
fbem-4173	62	16	capital	capital	NOUN
fbem-4173	62	17	adequacy	adequacy	NOUN
fbem-4173	62	18	ratio	ratio	NOUN
fbem-4173	62	19	0.486	0.486	NUM
fbem-4173	62	20	2.056	2.056	NUM
fbem-4173	62	21	core	core	NOUN
fbem-4173	62	22	capital	capital	NOUN
fbem-4173	62	23	adequacy	adequacy	NOUN
fbem-4173	62	24	ratio	ratio	NOUN
fbem-4173	62	25	0.404	0.404	NUM
fbem-4173	62	26	2.473	2.473	NUM
fbem-4173	62	27	size	size	NOUN
fbem-4173	62	28	of	of	ADP
fbem-4173	62	29	capital	capital	NOUN
fbem-4173	62	30	0.539	0.539	NUM
fbem-4173	62	31	1.854	1.854	NUM
fbem-4173	62	32	size	size	NOUN
fbem-4173	62	33	of	of	ADP
fbem-4173	62	34	capital	capital	NOUN
fbem-4173	62	35	(	(	PUNCT
fbem-4173	62	36	logarithm	logarithm	PROPN
fbem-4173	62	37	)	)	PUNCT
fbem-4173	62	38	0.288	0.288	NUM
fbem-4173	62	39	3.475	3.475	NUM
fbem-4173	62	40	cost	cost	NOUN
fbem-4173	62	41	-	-	PUNCT
fbem-4173	62	42	to	to	ADP
fbem-4173	62	43	-	-	PUNCT
fbem-4173	62	44	income	income	NOUN
fbem-4173	62	45	ratio	ratio	NOUN
fbem-4173	62	46	0.529	0.529	NUM
fbem-4173	62	47	1.889	1.889	NUM
fbem-4173	62	48	reserve	reserve	NOUN
fbem-4173	62	49	coverage	coverage	NOUN
fbem-4173	62	50	0.589	0.589	NUM
fbem-4173	62	51	1.698	1.698	NUM
fbem-4173	62	52	mean	mean	NOUN
fbem-4173	62	53	0.492	0.492	NUM
fbem-4173	62	54	2.156	2.156	NUM
fbem-4173	62	55	5.5	5.5	NUM
fbem-4173	62	56	.	.	PUNCT
fbem-4173	63	1	empirical	empirical	ADJ
fbem-4173	63	2	test	test	NOUN
fbem-4173	63	3	first	first	ADV
fbem-4173	63	4	,	,	PUNCT
fbem-4173	63	5	the	the	DET
fbem-4173	63	6	mixed	mixed	ADJ
fbem-4173	63	7	effect	effect	NOUN
fbem-4173	63	8	,	,	PUNCT
fbem-4173	63	9	the	the	DET
fbem-4173	63	10	fixed	fixed	ADJ
fbem-4173	63	11	effect	effect	NOUN
fbem-4173	63	12	and	and	CCONJ
fbem-4173	63	13	the	the	DET
fbem-4173	63	14	random	random	ADJ
fbem-4173	63	15	effect	effect	NOUN
fbem-4173	63	16	are	be	AUX
fbem-4173	63	17	used	use	VERB
fbem-4173	63	18	to	to	PART
fbem-4173	63	19	analyze	analyze	VERB
fbem-4173	63	20	the	the	DET
fbem-4173	63	21	regression	regression	NOUN
fbem-4173	63	22	model	model	NOUN
fbem-4173	63	23	.	.	PUNCT
fbem-4173	64	1	when	when	SCONJ
fbem-4173	64	2	the	the	DET
fbem-4173	64	3	first	first	ADJ
fbem-4173	64	4	two	two	NUM
fbem-4173	64	5	models	model	NOUN
fbem-4173	64	6	were	be	AUX
fbem-4173	64	7	compared	compare	VERB
fbem-4173	64	8	,	,	PUNCT
fbem-4173	64	9	a	a	DET
fbem-4173	64	10	p	p	NOUN
fbem-4173	64	11	value	value	NOUN
fbem-4173	64	12	of	of	ADP
fbem-4173	64	13	0.000	0.000	NUM
fbem-4173	64	14	was	be	AUX
fbem-4173	64	15	found	find	VERB
fbem-4173	64	16	,	,	PUNCT
fbem-4173	64	17	suggesting	suggest	VERB
fbem-4173	64	18	that	that	SCONJ
fbem-4173	64	19	the	the	DET
fbem-4173	64	20	original	original	ADJ
fbem-4173	64	21	hypothesis	hypothesis	NOUN
fbem-4173	64	22	should	should	AUX
fbem-4173	64	23	be	be	AUX
fbem-4173	64	24	rejected	reject	VERB
fbem-4173	64	25	,	,	PUNCT
fbem-4173	64	26	with	with	ADP
fbem-4173	64	27	the	the	DET
fbem-4173	64	28	assumption	assumption	NOUN
fbem-4173	64	29	that	that	SCONJ
fbem-4173	64	30	an	an	DET
fbem-4173	64	31	individual	individual	ADJ
fbem-4173	64	32	effect	effect	NOUN
fbem-4173	64	33	was	be	AUX
fbem-4173	64	34	present	present	ADJ
fbem-4173	64	35	,	,	PUNCT
fbem-4173	64	36	and	and	CCONJ
fbem-4173	64	37	therefore	therefore	ADV
fbem-4173	64	38	no	no	DET
fbem-4173	64	39	mixed	mixed	ADJ
fbem-4173	64	40	regression	regression	NOUN
fbem-4173	64	41	was	be	AUX
fbem-4173	64	42	used	use	VERB
fbem-4173	64	43	.	.	PUNCT
fbem-4173	65	1	in	in	ADP
fbem-4173	65	2	the	the	DET
fbem-4173	65	3	comparison	comparison	NOUN
fbem-4173	65	4	of	of	ADP
fbem-4173	65	5	pool	pool	NOUN
fbem-4173	65	6	and	and	CCONJ
fbem-4173	65	7	re	re	NOUN
fbem-4173	65	8	,	,	PUNCT
fbem-4173	65	9	the	the	DET
fbem-4173	65	10	lm	lm	PROPN
fbem-4173	65	11	test	test	NOUN
fbem-4173	65	12	results	result	NOUN
fbem-4173	65	13	also	also	ADV
fbem-4173	65	14	negated	negate	VERB
fbem-4173	65	15	the	the	DET
fbem-4173	65	16	original	original	ADJ
fbem-4173	65	17	assumption	assumption	NOUN
fbem-4173	65	18	that	that	SCONJ
fbem-4173	65	19	mixed	mixed	ADJ
fbem-4173	65	20	regression	regression	NOUN
fbem-4173	65	21	was	be	AUX
fbem-4173	65	22	not	not	PART
fbem-4173	65	23	applicable	applicable	ADJ
fbem-4173	65	24	for	for	ADP
fbem-4173	65	25	the	the	DET
fbem-4173	65	26	analysis	analysis	NOUN
fbem-4173	65	27	.	.	PUNCT
fbem-4173	66	1	in	in	ADP
fbem-4173	66	2	the	the	DET
fbem-4173	66	3	hausman	hausman	ADJ
fbem-4173	66	4	test	test	NOUN
fbem-4173	66	5	for	for	ADP
fbem-4173	66	6	fe	fe	NOUN
fbem-4173	66	7	and	and	CCONJ
fbem-4173	66	8	re	re	PROPN
fbem-4173	66	9	,	,	PUNCT
fbem-4173	66	10	p	p	PROPN
fbem-4173	66	11	is	be	AUX
fbem-4173	66	12	0.000	0.000	NUM
fbem-4173	66	13	,	,	PUNCT
fbem-4173	66	14	strongly	strongly	ADV
fbem-4173	66	15	rejecting	reject	VERB
fbem-4173	66	16	the	the	DET
fbem-4173	66	17	original	original	ADJ
fbem-4173	66	18	hypothesis	hypothesis	NOUN
fbem-4173	66	19	,	,	PUNCT
fbem-4173	66	20	and	and	CCONJ
fbem-4173	66	21	therefore	therefore	ADV
fbem-4173	66	22	the	the	DET
fbem-4173	66	23	fe	fe	PROPN
fbem-4173	66	24	model	model	NOUN
fbem-4173	66	25	should	should	AUX
fbem-4173	66	26	be	be	AUX
fbem-4173	66	27	used	use	VERB
fbem-4173	66	28	.	.	PUNCT
fbem-4173	67	1	so	so	ADV
fbem-4173	67	2	select	select	ADJ
fbem-4173	67	3	time	time	NOUN
fbem-4173	67	4	-	-	PUNCT
fbem-4173	67	5	individual	individual	ADJ
fbem-4173	67	6	bidirectional	bidirectional	ADJ
fbem-4173	67	7	fixed	fix	VERB
fbem-4173	67	8	effect	effect	NOUN
fbem-4173	67	9	model	model	NOUN
fbem-4173	67	10	.	.	PUNCT
fbem-4173	68	1	table	table	NOUN
fbem-4173	68	2	4	4	NUM
fbem-4173	68	3	.	.	PUNCT
fbem-4173	69	1	regression	regression	NOUN
fbem-4173	69	2	model	model	NOUN
fbem-4173	69	3	tests	test	NOUN
fbem-4173	69	4	test	test	NOUN
fbem-4173	69	5	method	method	PROPN
fbem-4173	69	6	statistics	statistic	NOUN
fbem-4173	69	7	p	p	NOUN
fbem-4173	69	8	value	value	NOUN
fbem-4173	69	9	results	result	VERB
fbem-4173	69	10	f	f	NOUN
fbem-4173	69	11	-	-	PUNCT
fbem-4173	69	12	test	test	NOUN
fbem-4173	69	13	11.042	11.042	NUM
fbem-4173	69	14	0	0	NUM
fbem-4173	69	15	fe	fe	X
fbem-4173	69	16	modle	modle	NOUN
fbem-4173	69	17	breusch	breusch	PROPN
fbem-4173	69	18	-	-	PUNCT
fbem-4173	69	19	pagan	pagan	NOUN
fbem-4173	69	20	-	-	PUNCT
fbem-4173	69	21	test	test	NOUN
fbem-4173	69	22	187.899	187.899	NUM
fbem-4173	69	23	0	0	NUM
fbem-4173	69	24	re	re	X
fbem-4173	69	25	modle	modle	PROPN
fbem-4173	69	26	hausman	hausman	NOUN
fbem-4173	69	27	-	-	PUNCT
fbem-4173	69	28	test	test	NOUN
fbem-4173	69	29	22.754	22.754	NUM
fbem-4173	69	30	0.004	0.004	NUM
fbem-4173	69	31	fe	fe	NOUN
fbem-4173	69	32	modle	modle	NOUN
fbem-4173	69	33	note	note	NOUN
fbem-4173	69	34	:	:	PUNCT
fbem-4173	69	35	*	*	PUNCT
fbem-4173	70	1	*	*	PUNCT
fbem-4173	70	2	*	*	PUNCT
fbem-4173	70	3	,	,	PUNCT
fbem-4173	70	4	*	*	PUNCT
fbem-4173	70	5	*	*	PUNCT
fbem-4173	70	6	,	,	PUNCT
fbem-4173	70	7	*	*	PUNCT
fbem-4173	70	8	represent	represent	VERB
fbem-4173	70	9	1	1	NUM
fbem-4173	70	10	%	%	NOUN
fbem-4173	70	11	,	,	PUNCT
fbem-4173	70	12	5	5	NUM
fbem-4173	70	13	%	%	NOUN
fbem-4173	70	14	,	,	PUNCT
fbem-4173	70	15	10	10	NUM
fbem-4173	70	16	%	%	NOUN
fbem-4173	70	17	significance	significance	NOUN
fbem-4173	70	18	levels	level	NOUN
fbem-4173	70	19	respectively	respectively	ADV
fbem-4173	70	20	table	table	VERB
fbem-4173	70	21	5	5	NUM
fbem-4173	70	22	.	.	PUNCT
fbem-4173	71	1	diagnostic	diagnostic	ADJ
fbem-4173	71	2	tests	test	NOUN
fbem-4173	71	3	of	of	ADP
fbem-4173	71	4	the	the	DET
fbem-4173	71	5	static	static	ADJ
fbem-4173	71	6	panel	panel	NOUN
fbem-4173	71	7	data	data	PROPN
fbem-4173	71	8	model	model	PROPN
fbem-4173	71	9	variable	variable	PROPN
fbem-4173	71	10	fe	fe	PROPN
fbem-4173	71	11	time	time	NOUN
fbem-4173	71	12	-	-	PUNCT
fbem-4173	71	13	fixed	fix	VERB
fbem-4173	71	14	effect	effect	NOUN
fbem-4173	71	15	model	model	NOUN
fbem-4173	71	16	test	test	NOUN
fbem-4173	71	17	time	time	PROPN
fbem-4173	71	18	individual	individual	ADJ
fbem-4173	71	19	fixed	fix	VERB
fbem-4173	71	20	effects	effect	NOUN
fbem-4173	71	21	model	model	PROPN
fbem-4173	71	22	test	test	PROPN
fbem-4173	71	23	roe	roe	PROPN
fbem-4173	71	24	roe	roe	PROPN
fbem-4173	71	25	roe	roe	PROPN
fbem-4173	71	26	total	total	PROPN
fbem-4173	71	27	index	index	NOUN
fbem-4173	71	28	0.034	0.034	NUM
fbem-4173	71	29	*	*	PUNCT
fbem-4173	71	30	*	*	PUNCT
fbem-4173	71	31	*	*	PUNCT
fbem-4173	71	32	0.032	0.032	NUM
fbem-4173	71	33	*	*	PUNCT
fbem-4173	71	34	*	*	PUNCT
fbem-4173	71	35	*	*	PUNCT
fbem-4173	71	36	0.067	0.067	NUM
fbem-4173	71	37	*	*	X
fbem-4173	71	38	*	*	PUNCT
fbem-4173	71	39	(	(	PUNCT
fbem-4173	71	40	4.918	4.918	NUM
fbem-4173	71	41	)	)	PUNCT
fbem-4173	71	42	(	(	PUNCT
fbem-4173	71	43	3.399	3.399	NUM
fbem-4173	71	44	)	)	PUNCT
fbem-4173	71	45	(	(	PUNCT
fbem-4173	71	46	2.329	2.329	NUM
fbem-4173	71	47	)	)	PUNCT
fbem-4173	71	48	nonperforming	nonperforme	VERB
fbem-4173	71	49	loan	loan	NOUN
fbem-4173	71	50	ti	ti	NOUN
fbem-4173	71	51	-3.075	-3.075	PUNCT
fbem-4173	71	52	*	*	NOUN
fbem-4173	71	53	*	*	PUNCT
fbem-4173	71	54	*	*	PUNCT
fbem-4173	71	55	-3.942	-3.942	NOUN
fbem-4173	71	56	*	*	PUNCT
fbem-4173	71	57	*	*	PUNCT
fbem-4173	71	58	*	*	PUNCT
fbem-4173	72	1	-2.375	-2.375	PUNCT
fbem-4173	73	1	*	*	PUNCT
fbem-4173	73	2	*	*	PUNCT
fbem-4173	73	3	*	*	PUNCT
fbem-4173	73	4	(	(	PUNCT
fbem-4173	73	5	-5.129	-5.129	PROPN
fbem-4173	73	6	)	)	PUNCT
fbem-4173	73	7	(	(	PUNCT
fbem-4173	73	8	-7.168	-7.168	NOUN
fbem-4173	73	9	)	)	PUNCT
fbem-4173	73	10	(	(	PUNCT
fbem-4173	73	11	-3.022	-3.022	NOUN
fbem-4173	73	12	)	)	PUNCT
fbem-4173	73	13	core	core	NOUN
fbem-4173	73	14	capital	capital	NOUN
fbem-4173	73	15	adequacy	adequacy	NOUN
fbem-4173	73	16	ratio	ratio	NOUN
fbem-4173	73	17	0.1	0.1	NUM
fbem-4173	73	18	-0.112	-0.112	PUNCT
fbem-4173	73	19	0.314	0.314	NUM
fbem-4173	73	20	*	*	PUNCT
fbem-4173	73	21	(	(	PUNCT
fbem-4173	73	22	0.596	0.596	NUM
fbem-4173	73	23	)	)	PUNCT
fbem-4173	73	24	(	(	PUNCT
fbem-4173	73	25	-0.641	-0.641	X
fbem-4173	73	26	)	)	PUNCT
fbem-4173	73	27	(	(	PUNCT
fbem-4173	73	28	1.786	1.786	NUM
fbem-4173	73	29	)	)	PUNCT
fbem-4173	73	30	capital	capital	NOUN
fbem-4173	73	31	adequacy	adequacy	NOUN
fbem-4173	73	32	ratio	ratio	NOUN
fbem-4173	73	33	-0.136	-0.136	PUNCT
fbem-4173	73	34	-0.502	-0.502	PUNCT
fbem-4173	73	35	*	*	PUNCT
fbem-4173	73	36	*	*	PUNCT
fbem-4173	73	37	*	*	PUNCT
fbem-4173	74	1	-0.305	-0.305	NOUN
fbem-4173	74	2	*	*	PUNCT
fbem-4173	74	3	*	*	PUNCT
fbem-4173	74	4	(	(	PUNCT
fbem-4173	74	5	-0.824	-0.824	NOUN
fbem-4173	74	6	)	)	PUNCT
fbem-4173	74	7	(	(	PUNCT
fbem-4173	74	8	-2.515	-2.515	NUM
fbem-4173	74	9	)	)	PUNCT
fbem-4173	74	10	(	(	PUNCT
fbem-4173	74	11	-2.079	-2.079	NOUN
fbem-4173	74	12	)	)	PUNCT
fbem-4173	74	13	cost	cost	NOUN
fbem-4173	74	14	-	-	PUNCT
fbem-4173	74	15	to	to	ADP
fbem-4173	74	16	-	-	PUNCT
fbem-4173	74	17	income	income	NOUN
fbem-4173	74	18	ratio	ratio	NOUN
fbem-4173	74	19	-0.239	-0.239	PUNCT
fbem-4173	74	20	*	*	PUNCT
fbem-4173	74	21	*	*	PUNCT
fbem-4173	74	22	*	*	PUNCT
fbem-4173	74	23	-0.091	-0.091	PROPN
fbem-4173	74	24	*	*	PUNCT
fbem-4173	74	25	*	*	PUNCT
fbem-4173	74	26	-0.278	-0.278	PROPN
fbem-4173	74	27	*	*	PUNCT
fbem-4173	74	28	*	*	PUNCT
fbem-4173	74	29	*	*	PUNCT
fbem-4173	74	30	(	(	PUNCT
fbem-4173	74	31	-5.466	-5.466	ADJ
fbem-4173	74	32	)	)	PUNCT
fbem-4173	74	33	(	(	PUNCT
fbem-4173	74	34	-2.193	-2.193	NUM
fbem-4173	74	35	)	)	PUNCT
fbem-4173	74	36	(	(	PUNCT
fbem-4173	74	37	-3.632	-3.632	ADJ
fbem-4173	74	38	)	)	PUNCT
fbem-4173	74	39	reserve	reserve	NOUN
fbem-4173	74	40	coverage	coverage	NOUN
fbem-4173	74	41	0.004	0.004	NUM
fbem-4173	74	42	0.004	0.004	NUM
fbem-4173	74	43	0.004	0.004	NUM
fbem-4173	74	44	(	(	PUNCT
fbem-4173	74	45	1.162	1.162	NUM
fbem-4173	74	46	)	)	PUNCT
fbem-4173	74	47	(	(	PUNCT
fbem-4173	74	48	1.098	1.098	NUM
fbem-4173	74	49	)	)	PUNCT
fbem-4173	74	50	(	(	PUNCT
fbem-4173	74	51	0.920	0.920	NUM
fbem-4173	74	52	)	)	PUNCT
fbem-4173	74	53	size	size	NOUN
fbem-4173	74	54	of	of	ADP
fbem-4173	74	55	capital	capital	NOUN
fbem-4173	74	56	(	(	PUNCT
fbem-4173	74	57	logarithm	logarithm	NOUN
fbem-4173	74	58	)	)	PUNCT
fbem-4173	74	59	-0.406	-0.406	NOUN
fbem-4173	74	60	-1.294	-1.294	NOUN
fbem-4173	74	61	*	*	PUNCT
fbem-4173	74	62	*	*	PUNCT
fbem-4173	74	63	*	*	NOUN
fbem-4173	74	64	3.13	3.13	NUM
fbem-4173	74	65	(	(	PUNCT
fbem-4173	74	66	-0.288	-0.288	PUNCT
fbem-4173	74	67	)	)	PUNCT
fbem-4173	74	68	-4.864	-4.864	PUNCT
fbem-4173	74	69	(	(	PUNCT
fbem-4173	74	70	1.022	1.022	NUM
fbem-4173	74	71	)	)	PUNCT
fbem-4173	74	72	constant	constant	ADJ
fbem-4173	74	73	38.776	38.776	NUM
fbem-4173	74	74	*	*	NOUN
fbem-4173	74	75	*	*	PUNCT
fbem-4173	74	76	*	*	PUNCT
fbem-4173	75	1	48.558	48.558	NUM
fbem-4173	75	2	*	*	PUNCT
fbem-4173	75	3	*	*	PUNCT
fbem-4173	75	4	*	*	PUNCT
fbem-4173	75	5	-19.803	-19.803	X
fbem-4173	75	6	(	(	PUNCT
fbem-4173	75	7	3.368	3.368	NUM
fbem-4173	75	8	)	)	PUNCT
fbem-4173	75	9	(	(	PUNCT
fbem-4173	75	10	10.089	10.089	NUM
fbem-4173	75	11	)	)	PUNCT
fbem-4173	75	12	(	(	PUNCT
fbem-4173	75	13	-0.642	-0.642	NUM
fbem-4173	75	14	)	)	PUNCT
fbem-4173	75	15	r	r	X
fbem-4173	75	16	-	-	PUNCT
fbem-4173	75	17	squared	square	VERB
fbem-4173	75	18	0.751	0.751	NUM
fbem-4173	75	19	0.765	0.765	NUM
fbem-4173	75	20	0.789	0.789	NUM
fbem-4173	75	21	note	note	NOUN
fbem-4173	75	22	:	:	PUNCT
fbem-4173	75	23	*	*	PUNCT
fbem-4173	76	1	*	*	PUNCT
fbem-4173	76	2	*	*	PUNCT
fbem-4173	76	3	,	,	PUNCT
fbem-4173	76	4	*	*	PUNCT
fbem-4173	76	5	*	*	PUNCT
fbem-4173	76	6	,	,	PUNCT
fbem-4173	76	7	*	*	PUNCT
fbem-4173	76	8	represent	represent	VERB
fbem-4173	76	9	1	1	NUM
fbem-4173	76	10	%	%	NOUN
fbem-4173	76	11	,	,	PUNCT
fbem-4173	76	12	5	5	NUM
fbem-4173	76	13	%	%	NOUN
fbem-4173	76	14	,	,	PUNCT
fbem-4173	76	15	10	10	NUM
fbem-4173	76	16	%	%	NOUN
fbem-4173	76	17	significance	significance	NOUN
fbem-4173	76	18	levels	level	NOUN
fbem-4173	76	19	respectively	respectively	ADV
fbem-4173	76	20	the	the	DET
fbem-4173	76	21	regression	regression	NOUN
fbem-4173	76	22	results	result	NOUN
fbem-4173	76	23	show	show	VERB
fbem-4173	76	24	that	that	SCONJ
fbem-4173	76	25	the	the	DET
fbem-4173	76	26	pratt	pratt	PROPN
fbem-4173	76	27	&	&	CCONJ
fbem-4173	76	28	whitney	whitney	PROPN
fbem-4173	76	29	index	index	PROPN
fbem-4173	76	30	coefficient	coefficient	NOUN
fbem-4173	76	31	of	of	ADP
fbem-4173	76	32	the	the	DET
fbem-4173	76	33	core	core	ADJ
fbem-4173	76	34	explanatory	explanatory	ADJ
fbem-4173	76	35	variable	variable	NOUN
fbem-4173	76	36	is	be	AUX
fbem-4173	76	37	0.067	0.067	NUM
fbem-4173	76	38	when	when	SCONJ
fbem-4173	76	39	the	the	DET
fbem-4173	76	40	231	231	NUM
fbem-4173	76	41	application	application	NOUN
fbem-4173	76	42	time	time	NOUN
fbem-4173	76	43	and	and	CCONJ
fbem-4173	76	44	the	the	DET
fbem-4173	76	45	individual	individual	NOUN
fbem-4173	76	46	are	be	AUX
fbem-4173	76	47	bidirectionally	bidirectionally	ADV
fbem-4173	76	48	fixed	fix	VERB
fbem-4173	76	49	,	,	PUNCT
fbem-4173	76	50	it	it	PRON
fbem-4173	76	51	shows	show	VERB
fbem-4173	76	52	that	that	SCONJ
fbem-4173	76	53	the	the	DET
fbem-4173	76	54	application	application	NOUN
fbem-4173	76	55	of	of	ADP
fbem-4173	76	56	financial	financial	ADJ
fbem-4173	76	57	technology	technology	NOUN
fbem-4173	76	58	has	have	VERB
fbem-4173	76	59	a	a	DET
fbem-4173	76	60	significant	significant	ADJ
fbem-4173	76	61	promoting	promote	VERB
fbem-4173	76	62	effect	effect	NOUN
fbem-4173	76	63	on	on	ADP
fbem-4173	76	64	the	the	DET
fbem-4173	76	65	profits	profit	NOUN
fbem-4173	76	66	of	of	ADP
fbem-4173	76	67	our	our	PRON
fbem-4173	76	68	listed	list	VERB
fbem-4173	76	69	commercial	commercial	ADJ
fbem-4173	76	70	banks	bank	NOUN
fbem-4173	76	71	.	.	PUNCT
fbem-4173	77	1	the	the	DET
fbem-4173	77	2	npl	npl	PROPN
fbem-4173	77	3	coefficient	coefficient	NOUN
fbem-4173	77	4	of	of	ADP
fbem-4173	77	5	non	non	ADJ
fbem-4173	77	6	-	-	ADJ
fbem-4173	77	7	performing	performing	ADJ
fbem-4173	77	8	loan	loan	NOUN
fbem-4173	77	9	ratio	ratio	NOUN
fbem-4173	77	10	is	be	AUX
fbem-4173	77	11	-2.375	-2.375	ADJ
fbem-4173	77	12	,	,	PUNCT
fbem-4173	77	13	which	which	PRON
fbem-4173	77	14	indicates	indicate	VERB
fbem-4173	77	15	that	that	SCONJ
fbem-4173	77	16	banks	bank	NOUN
fbem-4173	77	17	'	'	PART
fbem-4173	77	18	nonperforming	nonperforme	VERB
fbem-4173	77	19	assets	asset	NOUN
fbem-4173	77	20	will	will	AUX
fbem-4173	77	21	reduce	reduce	VERB
fbem-4173	77	22	roe	roe	NOUN
fbem-4173	77	23	and	and	CCONJ
fbem-4173	77	24	affect	affect	VERB
fbem-4173	77	25	their	their	PRON
fbem-4173	77	26	profits	profit	NOUN
fbem-4173	77	27	the	the	DET
fbem-4173	77	28	lnsize	lnsize	NOUN
fbem-4173	77	29	factor	factor	NOUN
fbem-4173	77	30	of	of	ADP
fbem-4173	77	31	asset	asset	NOUN
fbem-4173	77	32	size	size	NOUN
fbem-4173	77	33	is	be	AUX
fbem-4173	77	34	3.13	3.13	NUM
fbem-4173	77	35	,	,	PUNCT
fbem-4173	77	36	which	which	PRON
fbem-4173	77	37	indicates	indicate	VERB
fbem-4173	77	38	that	that	SCONJ
fbem-4173	77	39	large	large	ADJ
fbem-4173	77	40	commercial	commercial	ADJ
fbem-4173	77	41	banks	bank	NOUN
fbem-4173	77	42	have	have	VERB
fbem-4173	77	43	a	a	DET
fbem-4173	77	44	better	well	ADJ
fbem-4173	77	45	ability	ability	NOUN
fbem-4173	77	46	to	to	PART
fbem-4173	77	47	increase	increase	VERB
fbem-4173	77	48	profits	profit	NOUN
fbem-4173	77	49	,	,	PUNCT
fbem-4173	77	50	because	because	SCONJ
fbem-4173	77	51	the	the	PRON
fbem-4173	77	52	larger	large	ADJ
fbem-4173	77	53	the	the	DET
fbem-4173	77	54	asset	asset	NOUN
fbem-4173	77	55	size	size	NOUN
fbem-4173	77	56	of	of	ADP
fbem-4173	77	57	a	a	DET
fbem-4173	77	58	bank	bank	NOUN
fbem-4173	77	59	,	,	PUNCT
fbem-4173	77	60	the	the	DET
fbem-4173	77	61	more	more	ADV
fbem-4173	77	62	obvious	obvious	ADJ
fbem-4173	77	63	its	its	PRON
fbem-4173	77	64	size	size	NOUN
fbem-4173	77	65	effect	effect	NOUN
fbem-4173	77	66	.	.	PUNCT
fbem-4173	78	1	in	in	ADP
fbem-4173	78	2	the	the	DET
fbem-4173	78	3	overall	overall	ADJ
fbem-4173	78	4	car	car	NOUN
fbem-4173	78	5	sample	sample	NOUN
fbem-4173	78	6	,	,	PUNCT
fbem-4173	78	7	the	the	DET
fbem-4173	78	8	capital	capital	NOUN
fbem-4173	78	9	adequacy	adequacy	NOUN
fbem-4173	78	10	ratio	ratio	NOUN
fbem-4173	78	11	coefficients	coefficient	NOUN
fbem-4173	78	12	were	be	AUX
fbem-4173	78	13	negative	negative	ADJ
fbem-4173	78	14	for	for	ADP
fbem-4173	78	15	both	both	CCONJ
fbem-4173	78	16	urban	urban	ADJ
fbem-4173	78	17	and	and	CCONJ
fbem-4173	78	18	commercial	commercial	ADJ
fbem-4173	78	19	banks	bank	NOUN
fbem-4173	78	20	,	,	PUNCT
fbem-4173	78	21	but	but	CCONJ
fbem-4173	78	22	positive	positive	ADJ
fbem-4173	78	23	for	for	ADP
fbem-4173	78	24	rural	rural	ADJ
fbem-4173	78	25	and	and	CCONJ
fbem-4173	78	26	rural	rural	ADJ
fbem-4173	78	27	areas	area	NOUN
fbem-4173	78	28	.	.	PUNCT
fbem-4173	79	1	this	this	PRON
fbem-4173	79	2	suggests	suggest	VERB
fbem-4173	79	3	that	that	SCONJ
fbem-4173	79	4	,	,	PUNCT
fbem-4173	79	5	because	because	SCONJ
fbem-4173	79	6	of	of	ADP
fbem-4173	79	7	the	the	DET
fbem-4173	79	8	heterogeneity	heterogeneity	NOUN
fbem-4173	79	9	of	of	ADP
fbem-4173	79	10	banks	bank	NOUN
fbem-4173	79	11	across	across	ADP
fbem-4173	79	12	regions	region	NOUN
fbem-4173	79	13	and	and	CCONJ
fbem-4173	79	14	regions	region	NOUN
fbem-4173	79	15	,	,	PUNCT
fbem-4173	79	16	excessive	excessive	ADJ
fbem-4173	79	17	capital	capital	NOUN
fbem-4173	79	18	adequacy	adequacy	NOUN
fbem-4173	79	19	ratio	ratio	NOUN
fbem-4173	79	20	can	can	AUX
fbem-4173	79	21	lead	lead	VERB
fbem-4173	79	22	to	to	ADP
fbem-4173	79	23	a	a	DET
fbem-4173	79	24	reduction	reduction	NOUN
fbem-4173	79	25	in	in	ADP
fbem-4173	79	26	bank	bank	NOUN
fbem-4173	79	27	liquidity	liquidity	NOUN
fbem-4173	79	28	.	.	PUNCT
fbem-4173	80	1	the	the	DET
fbem-4173	80	2	regression	regression	NOUN
fbem-4173	80	3	analysis	analysis	NOUN
fbem-4173	80	4	of	of	ADP
fbem-4173	80	5	sub	sub	NOUN
fbem-4173	80	6	-	-	NOUN
fbem-4173	80	7	samples	sample	NOUN
fbem-4173	80	8	shows	show	VERB
fbem-4173	80	9	that	that	SCONJ
fbem-4173	80	10	the	the	DET
fbem-4173	80	11	total	total	ADJ
fbem-4173	80	12	index	index	NOUN
fbem-4173	80	13	of	of	ADP
fbem-4173	80	14	the	the	DET
fbem-4173	80	15	core	core	ADJ
fbem-4173	80	16	explanatory	explanatory	ADJ
fbem-4173	80	17	variable	variable	NOUN
fbem-4173	80	18	remains	remain	VERB
fbem-4173	80	19	positive	positive	ADJ
fbem-4173	80	20	,	,	PUNCT
fbem-4173	80	21	which	which	PRON
fbem-4173	80	22	indicates	indicate	VERB
fbem-4173	80	23	that	that	SCONJ
fbem-4173	80	24	financial	financial	ADJ
fbem-4173	80	25	technology	technology	NOUN
fbem-4173	80	26	has	have	VERB
fbem-4173	80	27	a	a	DET
fbem-4173	80	28	significant	significant	ADJ
fbem-4173	80	29	positive	positive	ADJ
fbem-4173	80	30	effect	effect	NOUN
fbem-4173	80	31	on	on	ADP
fbem-4173	80	32	corporate	corporate	ADJ
fbem-4173	80	33	earnings	earning	NOUN
fbem-4173	80	34	,	,	PUNCT
fbem-4173	80	35	but	but	CCONJ
fbem-4173	80	36	there	there	PRON
fbem-4173	80	37	are	be	VERB
fbem-4173	80	38	some	some	DET
fbem-4173	80	39	differences	difference	NOUN
fbem-4173	80	40	among	among	ADP
fbem-4173	80	41	the	the	DET
fbem-4173	80	42	indexes	index	NOUN
fbem-4173	80	43	.	.	PUNCT
fbem-4173	81	1	the	the	DET
fbem-4173	81	2	application	application	NOUN
fbem-4173	81	3	of	of	ADP
fbem-4173	81	4	fintech	fintech	NOUN
fbem-4173	81	5	in	in	ADP
fbem-4173	81	6	city	city	NOUN
fbem-4173	81	7	commercial	commercial	ADJ
fbem-4173	81	8	banks	bank	NOUN
fbem-4173	81	9	is	be	AUX
fbem-4173	81	10	not	not	PART
fbem-4173	81	11	comprehensive	comprehensive	ADJ
fbem-4173	81	12	,	,	PUNCT
fbem-4173	81	13	and	and	CCONJ
fbem-4173	81	14	the	the	DET
fbem-4173	81	15	application	application	NOUN
fbem-4173	81	16	of	of	ADP
fbem-4173	81	17	fintech	fintech	NOUN
fbem-4173	81	18	in	in	ADP
fbem-4173	81	19	bank	bank	NOUN
fbem-4173	81	20	-	-	PUNCT
fbem-4173	81	21	related	relate	VERB
fbem-4173	81	22	fields	field	NOUN
fbem-4173	81	23	is	be	AUX
fbem-4173	81	24	gradually	gradually	ADV
fbem-4173	81	25	improved	improve	VERB
fbem-4173	81	26	,	,	PUNCT
fbem-4173	81	27	and	and	CCONJ
fbem-4173	81	28	there	there	PRON
fbem-4173	81	29	is	be	VERB
fbem-4173	81	30	no	no	DET
fbem-4173	81	31	perfect	perfect	ADJ
fbem-4173	81	32	fintech	fintech	NOUN
fbem-4173	81	33	layout	layout	NOUN
fbem-4173	81	34	,	,	PUNCT
fbem-4173	81	35	because	because	SCONJ
fbem-4173	81	36	of	of	ADP
fbem-4173	81	37	its	its	PRON
fbem-4173	81	38	small	small	ADJ
fbem-4173	81	39	size	size	NOUN
fbem-4173	81	40	and	and	CCONJ
fbem-4173	81	41	good	good	ADJ
fbem-4173	81	42	understanding	understanding	NOUN
fbem-4173	81	43	of	of	ADP
fbem-4173	81	44	its	its	PRON
fbem-4173	81	45	regional	regional	ADJ
fbem-4173	81	46	businesses	business	NOUN
fbem-4173	81	47	,	,	PUNCT
fbem-4173	81	48	the	the	DET
fbem-4173	81	49	bank	bank	NOUN
fbem-4173	81	50	's	's	PART
fbem-4173	81	51	use	use	NOUN
fbem-4173	81	52	of	of	ADP
fbem-4173	81	53	financial	financial	ADJ
fbem-4173	81	54	technology	technology	NOUN
fbem-4173	81	55	has	have	AUX
fbem-4173	81	56	paid	pay	VERB
fbem-4173	81	57	off	off	ADP
fbem-4173	81	58	,	,	PUNCT
fbem-4173	81	59	with	with	ADP
fbem-4173	81	60	the	the	DET
fbem-4173	81	61	use	use	NOUN
fbem-4173	81	62	of	of	ADP
fbem-4173	81	63	basic	basic	ADJ
fbem-4173	81	64	technologies	technology	NOUN
fbem-4173	81	65	such	such	ADJ
fbem-4173	81	66	as	as	ADP
fbem-4173	81	67	big	big	ADJ
fbem-4173	81	68	data	datum	NOUN
fbem-4173	81	69	and	and	CCONJ
fbem-4173	81	70	cloud	cloud	NOUN
fbem-4173	81	71	computing	computing	NOUN
fbem-4173	81	72	,	,	PUNCT
fbem-4173	81	73	in	in	ADP
fbem-4173	81	74	addition	addition	NOUN
fbem-4173	81	75	to	to	ADP
fbem-4173	81	76	the	the	DET
fbem-4173	81	77	line	line	NOUN
fbem-4173	81	78	of	of	ADP
fbem-4173	81	79	regional	regional	ADJ
fbem-4173	81	80	advantage	advantage	NOUN
fbem-4173	81	81	,	,	PUNCT
fbem-4173	81	82	can	can	AUX
fbem-4173	81	83	better	well	ADV
fbem-4173	81	84	serve	serve	VERB
fbem-4173	81	85	the	the	DET
fbem-4173	81	86	local	local	ADJ
fbem-4173	81	87	small	small	ADJ
fbem-4173	81	88	and	and	CCONJ
fbem-4173	81	89	medium	medium	ADJ
fbem-4173	81	90	-	-	PUNCT
fbem-4173	81	91	sized	sized	ADJ
fbem-4173	81	92	enterprises	enterprise	NOUN
fbem-4173	81	93	,	,	PUNCT
fbem-4173	81	94	thus	thus	ADV
fbem-4173	81	95	the	the	DET
fbem-4173	81	96	profitability	profitability	NOUN
fbem-4173	81	97	of	of	ADP
fbem-4173	81	98	a	a	DET
fbem-4173	81	99	larger	large	ADJ
fbem-4173	81	100	degree	degree	NOUN
fbem-4173	81	101	of	of	ADP
fbem-4173	81	102	improvement	improvement	NOUN
fbem-4173	81	103	.	.	PUNCT
fbem-4173	82	1	5.6	5.6	NUM
fbem-4173	82	2	.	.	PUNCT
fbem-4173	82	3	test	test	NOUN
fbem-4173	82	4	for	for	ADP
fbem-4173	82	5	heterogeneity	heterogeneity	NOUN
fbem-4173	82	6	the	the	DET
fbem-4173	82	7	total	total	ADJ
fbem-4173	82	8	sample	sample	NOUN
fbem-4173	82	9	is	be	AUX
fbem-4173	82	10	divided	divide	VERB
fbem-4173	82	11	into	into	ADP
fbem-4173	82	12	urban	urban	ADJ
fbem-4173	82	13	and	and	CCONJ
fbem-4173	82	14	rural	rural	ADJ
fbem-4173	82	15	subsamples	subsample	NOUN
fbem-4173	82	16	,	,	PUNCT
fbem-4173	82	17	urban	urban	ADJ
fbem-4173	82	18	mainly	mainly	ADV
fbem-4173	82	19	includes	include	VERB
fbem-4173	82	20	urban	urban	ADJ
fbem-4173	82	21	commercial	commercial	ADJ
fbem-4173	82	22	banks	bank	NOUN
fbem-4173	82	23	,	,	PUNCT
fbem-4173	82	24	while	while	SCONJ
fbem-4173	82	25	rural	rural	ADJ
fbem-4173	82	26	mainly	mainly	ADV
fbem-4173	82	27	includes	include	VERB
fbem-4173	82	28	rural	rural	ADJ
fbem-4173	82	29	commercial	commercial	ADJ
fbem-4173	82	30	banks	bank	NOUN
fbem-4173	82	31	,	,	PUNCT
fbem-4173	82	32	rural	rural	ADJ
fbem-4173	82	33	credit	credit	NOUN
fbem-4173	82	34	cooperatives	cooperative	NOUN
fbem-4173	82	35	and	and	CCONJ
fbem-4173	82	36	so	so	ADV
fbem-4173	82	37	on	on	ADV
fbem-4173	82	38	.	.	PUNCT
fbem-4173	83	1	table	table	NOUN
fbem-4173	83	2	6	6	NUM
fbem-4173	83	3	.	.	PUNCT
fbem-4173	83	4	test	test	NOUN
fbem-4173	83	5	for	for	ADP
fbem-4173	83	6	heterogeneity	heterogeneity	NOUN
fbem-4173	83	7	variable	variable	ADJ
fbem-4173	83	8	time	time	NOUN
fbem-4173	83	9	individual	individual	ADJ
fbem-4173	83	10	fixed	fix	VERB
fbem-4173	83	11	effects	effect	NOUN
fbem-4173	83	12	model	model	VERB
fbem-4173	83	13	test(urban	test(urban	PROPN
fbem-4173	83	14	sub	sub	NOUN
fbem-4173	83	15	-	-	NOUN
fbem-4173	83	16	sample	sample	ADJ
fbem-4173	83	17	)	)	PUNCT
fbem-4173	83	18	time	time	NOUN
fbem-4173	83	19	individual	individual	ADJ
fbem-4173	83	20	fixed	fix	VERB
fbem-4173	83	21	effects	effect	NOUN
fbem-4173	83	22	model	model	VERB
fbem-4173	83	23	test(rural	test(rural	ADJ
fbem-4173	83	24	sub	sub	NOUN
fbem-4173	83	25	-	-	NOUN
fbem-4173	83	26	sample	sample	ADJ
fbem-4173	83	27	)	)	PUNCT
fbem-4173	83	28	roe	roe	PROPN
fbem-4173	83	29	roe	roe	PROPN
fbem-4173	83	30	total	total	PROPN
fbem-4173	83	31	index	index	NOUN
fbem-4173	83	32	0.043	0.043	NUM
fbem-4173	83	33	*	*	PUNCT
fbem-4173	83	34	*	*	PUNCT
fbem-4173	83	35	*	*	PUNCT
fbem-4173	83	36	0.043	0.043	NUM
fbem-4173	83	37	*	*	PUNCT
fbem-4173	83	38	*	*	PUNCT
fbem-4173	83	39	*	*	PUNCT
fbem-4173	83	40	(	(	PUNCT
fbem-4173	83	41	5.060	5.060	NUM
fbem-4173	83	42	)	)	PUNCT
fbem-4173	83	43	(	(	PUNCT
fbem-4173	83	44	5.060	5.060	NUM
fbem-4173	83	45	)	)	PUNCT
fbem-4173	83	46	non	non	ADJ
fbem-4173	83	47	-	-	ADJ
fbem-4173	83	48	performing	perform	VERB
fbem-4173	83	49	loan	loan	NOUN
fbem-4173	83	50	ratio	ratio	NOUN
fbem-4173	83	51	-3.804	-3.804	NOUN
fbem-4173	83	52	*	*	PUNCT
fbem-4173	83	53	*	*	PUNCT
fbem-4173	83	54	*	*	PUNCT
fbem-4173	83	55	-5.587	-5.587	PUNCT
fbem-4173	83	56	*	*	PUNCT
fbem-4173	83	57	*	*	PUNCT
fbem-4173	83	58	*	*	PUNCT
fbem-4173	83	59	(	(	PUNCT
fbem-4173	83	60	-8.27	-8.27	NUM
fbem-4173	83	61	)	)	PUNCT
fbem-4173	83	62	(	(	PUNCT
fbem-4173	83	63	-4.984	-4.984	NOUN
fbem-4173	83	64	)	)	PUNCT
fbem-4173	83	65	capital	capital	NOUN
fbem-4173	83	66	adequacy	adequacy	NOUN
fbem-4173	83	67	ratio	ratio	NOUN
fbem-4173	83	68	-0.016	-0.016	PUNCT
fbem-4173	83	69	0.014	0.014	NUM
fbem-4173	83	70	(	(	PUNCT
fbem-4173	83	71	1.764	1.764	NUM
fbem-4173	83	72	)	)	PUNCT
fbem-4173	83	73	(	(	PUNCT
fbem-4173	83	74	0.049	0.049	NUM
fbem-4173	83	75	)	)	PUNCT
fbem-4173	83	76	cost	cost	NOUN
fbem-4173	83	77	-	-	PUNCT
fbem-4173	83	78	to	to	ADP
fbem-4173	83	79	-	-	PUNCT
fbem-4173	83	80	income	income	NOUN
fbem-4173	83	81	ratio	ratio	NOUN
fbem-4173	83	82	-0.087	-0.087	PUNCT
fbem-4173	83	83	*	*	PUNCT
fbem-4173	83	84	*	*	PUNCT
fbem-4173	83	85	*	*	PUNCT
fbem-4173	83	86	-0.447	-0.447	PUNCT
fbem-4173	83	87	*	*	PUNCT
fbem-4173	83	88	*	*	PUNCT
fbem-4173	83	89	*	*	PUNCT
fbem-4173	83	90	(	(	PUNCT
fbem-4173	83	91	-3.161	-3.161	NOUN
fbem-4173	83	92	)	)	PUNCT
fbem-4173	83	93	(	(	PUNCT
fbem-4173	83	94	-5.704	-5.704	X
fbem-4173	83	95	)	)	PUNCT
fbem-4173	83	96	size	size	NOUN
fbem-4173	83	97	of	of	ADP
fbem-4173	83	98	capital	capital	NOUN
fbem-4173	83	99	(	(	PUNCT
fbem-4173	83	100	logarithm	logarithm	PROPN
fbem-4173	83	101	)	)	PUNCT
fbem-4173	84	1	0.611	0.611	NUM
fbem-4173	84	2	*	*	SYM
fbem-4173	84	3	-0.398	-0.398	PUNCT
fbem-4173	84	4	(	(	PUNCT
fbem-4173	84	5	1.764	1.764	NUM
fbem-4173	84	6	)	)	PUNCT
fbem-4173	84	7	(	(	PUNCT
fbem-4173	84	8	-0.921	-0.921	X
fbem-4173	84	9	)	)	PUNCT
fbem-4173	84	10	constant	constant	ADJ
fbem-4173	84	11	28.776	28.776	NUM
fbem-4173	84	12	*	*	NOUN
fbem-4173	84	13	*	*	PUNCT
fbem-4173	84	14	*	*	PUNCT
fbem-4173	85	1	51.960	51.960	NUM
fbem-4173	85	2	*	*	PUNCT
fbem-4173	85	3	*	*	PUNCT
fbem-4173	85	4	*	*	PUNCT
fbem-4173	85	5	(	(	PUNCT
fbem-4173	85	6	6.532	6.532	NUM
fbem-4173	85	7	)	)	PUNCT
fbem-4173	85	8	(	(	PUNCT
fbem-4173	85	9	7.411	7.411	NUM
fbem-4173	85	10	)	)	PUNCT
fbem-4173	85	11	r	r	X
fbem-4173	85	12	-	-	PUNCT
fbem-4173	85	13	squared	square	VERB
fbem-4173	85	14	0.619	0.619	NUM
fbem-4173	85	15	0.520	0.520	NUM
fbem-4173	85	16	note	note	NOUN
fbem-4173	85	17	:	:	PUNCT
fbem-4173	85	18	*	*	PUNCT
fbem-4173	86	1	*	*	PUNCT
fbem-4173	86	2	*	*	PUNCT
fbem-4173	86	3	,	,	PUNCT
fbem-4173	86	4	*	*	PUNCT
fbem-4173	86	5	*	*	PUNCT
fbem-4173	86	6	,	,	PUNCT
fbem-4173	86	7	*	*	PUNCT
fbem-4173	86	8	represent	represent	VERB
fbem-4173	86	9	1	1	NUM
fbem-4173	86	10	%	%	NOUN
fbem-4173	86	11	,	,	PUNCT
fbem-4173	86	12	5	5	NUM
fbem-4173	86	13	%	%	NOUN
fbem-4173	86	14	,	,	PUNCT
fbem-4173	86	15	10	10	NUM
fbem-4173	86	16	%	%	NOUN
fbem-4173	86	17	significance	significance	NOUN
fbem-4173	86	18	levels	level	NOUN
fbem-4173	86	19	respectively	respectively	ADV
fbem-4173	86	20	6	6	NUM
fbem-4173	86	21	.	.	PUNCT
fbem-4173	87	1	conclusions	conclusion	NOUN
fbem-4173	87	2	the	the	DET
fbem-4173	87	3	banking	banking	NOUN
fbem-4173	87	4	industry	industry	NOUN
fbem-4173	87	5	's	's	PART
fbem-4173	87	6	increasingly	increasingly	ADV
fbem-4173	87	7	sophisticated	sophisticated	ADJ
fbem-4173	87	8	use	use	NOUN
fbem-4173	87	9	of	of	ADP
fbem-4173	87	10	fintech	fintech	NOUN
fbem-4173	87	11	,	,	PUNCT
fbem-4173	87	12	and	and	CCONJ
fbem-4173	87	13	its	its	PRON
fbem-4173	87	14	increased	increase	VERB
fbem-4173	87	15	investment	investment	NOUN
fbem-4173	87	16	,	,	PUNCT
fbem-4173	87	17	has	have	AUX
fbem-4173	87	18	boosted	boost	VERB
fbem-4173	87	19	corporate	corporate	ADJ
fbem-4173	87	20	profits	profit	NOUN
fbem-4173	87	21	to	to	ADP
fbem-4173	87	22	some	some	DET
fbem-4173	87	23	extent	extent	NOUN
fbem-4173	87	24	.	.	PUNCT
fbem-4173	88	1	financial	financial	ADJ
fbem-4173	88	2	technology	technology	NOUN
fbem-4173	88	3	has	have	AUX
fbem-4173	88	4	greatly	greatly	ADV
fbem-4173	88	5	improved	improve	VERB
fbem-4173	88	6	commercial	commercial	ADJ
fbem-4173	88	7	banks	bank	NOUN
fbem-4173	88	8	'	'	PART
fbem-4173	88	9	marketing	marketing	NOUN
fbem-4173	88	10	,	,	PUNCT
fbem-4173	88	11	operation	operation	NOUN
fbem-4173	88	12	management	management	NOUN
fbem-4173	88	13	,	,	PUNCT
fbem-4173	88	14	product	product	NOUN
fbem-4173	88	15	service	service	NOUN
fbem-4173	88	16	,	,	PUNCT
fbem-4173	88	17	compliance	compliance	NOUN
fbem-4173	88	18	risk	risk	NOUN
fbem-4173	88	19	control	control	NOUN
fbem-4173	88	20	and	and	CCONJ
fbem-4173	88	21	so	so	ADV
fbem-4173	88	22	on	on	ADV
fbem-4173	88	23	,	,	PUNCT
fbem-4173	88	24	which	which	PRON
fbem-4173	88	25	has	have	VERB
fbem-4173	88	26	a	a	DET
fbem-4173	88	27	positive	positive	ADJ
fbem-4173	88	28	effect	effect	NOUN
fbem-4173	88	29	on	on	ADP
fbem-4173	88	30	banks	bank	NOUN
fbem-4173	88	31	'	'	PART
fbem-4173	88	32	profits	profit	NOUN
fbem-4173	88	33	,	,	PUNCT
fbem-4173	88	34	there	there	PRON
fbem-4173	88	35	is	be	VERB
fbem-4173	88	36	heterogeneity	heterogeneity	NOUN
fbem-4173	88	37	.	.	PUNCT
fbem-4173	89	1	there	there	PRON
fbem-4173	89	2	are	be	VERB
fbem-4173	89	3	some	some	DET
fbem-4173	89	4	problems	problem	NOUN
fbem-4173	89	5	in	in	ADP
fbem-4173	89	6	this	this	DET
fbem-4173	89	7	study	study	NOUN
fbem-4173	89	8	,	,	PUNCT
fbem-4173	89	9	such	such	ADJ
fbem-4173	89	10	as	as	ADP
fbem-4173	89	11	lack	lack	NOUN
fbem-4173	89	12	of	of	ADP
fbem-4173	89	13	data	datum	NOUN
fbem-4173	89	14	and	and	CCONJ
fbem-4173	89	15	insufficient	insufficient	ADJ
fbem-4173	89	16	disclosure	disclosure	NOUN
fbem-4173	89	17	of	of	ADP
fbem-4173	89	18	indicators	indicator	NOUN
fbem-4173	89	19	,	,	PUNCT
fbem-4173	89	20	so	so	SCONJ
fbem-4173	89	21	whether	whether	SCONJ
fbem-4173	89	22	the	the	DET
fbem-4173	89	23	conclusions	conclusion	NOUN
fbem-4173	89	24	of	of	ADP
fbem-4173	89	25	this	this	DET
fbem-4173	89	26	paper	paper	NOUN
fbem-4173	89	27	can	can	AUX
fbem-4173	89	28	be	be	AUX
fbem-4173	89	29	applied	apply	VERB
fbem-4173	89	30	to	to	ADP
fbem-4173	89	31	commercial	commercial	ADJ
fbem-4173	89	32	banks	bank	NOUN
fbem-4173	89	33	needs	need	VERB
fbem-4173	89	34	to	to	PART
fbem-4173	89	35	be	be	AUX
fbem-4173	89	36	further	far	ADV
fbem-4173	89	37	explored	explore	VERB
fbem-4173	89	38	.	.	PUNCT
fbem-4173	90	1	at	at	ADP
fbem-4173	90	2	present	present	ADJ
fbem-4173	90	3	,	,	PUNCT
fbem-4173	90	4	the	the	DET
fbem-4173	90	5	use	use	NOUN
fbem-4173	90	6	of	of	ADP
fbem-4173	90	7	financial	financial	ADJ
fbem-4173	90	8	technology	technology	NOUN
fbem-4173	90	9	by	by	ADP
fbem-4173	90	10	major	major	ADJ
fbem-4173	90	11	commercial	commercial	ADJ
fbem-4173	90	12	banks	bank	NOUN
fbem-4173	90	13	can	can	AUX
fbem-4173	90	14	not	not	PART
fbem-4173	90	15	be	be	AUX
fbem-4173	90	16	quantitative	quantitative	ADJ
fbem-4173	90	17	analysis	analysis	NOUN
fbem-4173	90	18	because	because	SCONJ
fbem-4173	90	19	it	it	PRON
fbem-4173	90	20	is	be	AUX
fbem-4173	90	21	not	not	PART
fbem-4173	90	22	possible	possible	ADJ
fbem-4173	90	23	to	to	PART
fbem-4173	90	24	obtain	obtain	VERB
fbem-4173	90	25	specific	specific	ADJ
fbem-4173	90	26	input	input	NOUN
fbem-4173	90	27	from	from	ADP
fbem-4173	90	28	major	major	ADJ
fbem-4173	90	29	commercial	commercial	ADJ
fbem-4173	90	30	banks	bank	NOUN
fbem-4173	90	31	on	on	ADP
fbem-4173	90	32	financial	financial	ADJ
fbem-4173	90	33	technology	technology	NOUN
fbem-4173	90	34	.	.	PUNCT
fbem-4173	91	1	based	base	VERB
fbem-4173	91	2	on	on	ADP
fbem-4173	91	3	the	the	DET
fbem-4173	91	4	research	research	NOUN
fbem-4173	91	5	conclusion	conclusion	NOUN
fbem-4173	91	6	,	,	PUNCT
fbem-4173	91	7	this	this	DET
fbem-4173	91	8	paper	paper	NOUN
fbem-4173	91	9	puts	put	VERB
fbem-4173	91	10	forward	forward	ADV
fbem-4173	91	11	the	the	DET
fbem-4173	91	12	following	follow	VERB
fbem-4173	91	13	suggestions	suggestion	NOUN
fbem-4173	91	14	:	:	PUNCT
fbem-4173	91	15	(	(	PUNCT
fbem-4173	91	16	1	1	X
fbem-4173	91	17	)	)	PUNCT
fbem-4173	91	18	strengthen	strengthen	VERB
fbem-4173	91	19	the	the	DET
fbem-4173	91	20	cooperation	cooperation	NOUN
fbem-4173	91	21	with	with	ADP
fbem-4173	91	22	the	the	DET
fbem-4173	91	23	main	main	ADJ
fbem-4173	91	24	financial	financial	ADJ
fbem-4173	91	25	technology	technology	NOUN
fbem-4173	91	26	companies	company	NOUN
fbem-4173	91	27	,	,	PUNCT
fbem-4173	91	28	strengthen	strengthen	VERB
fbem-4173	91	29	the	the	DET
fbem-4173	91	30	training	training	NOUN
fbem-4173	91	31	of	of	ADP
fbem-4173	91	32	financial	financial	ADJ
fbem-4173	91	33	technology	technology	NOUN
fbem-4173	91	34	personnel	personnel	NOUN
fbem-4173	91	35	,	,	PUNCT
fbem-4173	91	36	and	and	CCONJ
fbem-4173	91	37	perfect	perfect	VERB
fbem-4173	91	38	the	the	DET
fbem-4173	91	39	financial	financial	ADJ
fbem-4173	91	40	technology	technology	NOUN
fbem-4173	91	41	risk	risk	NOUN
fbem-4173	91	42	control	control	NOUN
fbem-4173	91	43	system	system	NOUN
fbem-4173	91	44	.	.	PUNCT
fbem-4173	92	1	(	(	PUNCT
fbem-4173	92	2	2	2	X
fbem-4173	92	3	)	)	PUNCT
fbem-4173	92	4	improving	improve	VERB
fbem-4173	92	5	the	the	DET
fbem-4173	92	6	relevant	relevant	ADJ
fbem-4173	92	7	legal	legal	ADJ
fbem-4173	92	8	system	system	NOUN
fbem-4173	92	9	and	and	CCONJ
fbem-4173	92	10	strengthening	strengthen	VERB
fbem-4173	92	11	the	the	DET
fbem-4173	92	12	risk	risk	NOUN
fbem-4173	92	13	control	control	NOUN
fbem-4173	92	14	of	of	ADP
fbem-4173	92	15	financial	financial	ADJ
fbem-4173	92	16	institutions	institution	NOUN
fbem-4173	92	17	.	.	PUNCT
fbem-4173	93	1	references	reference	NOUN
fbem-4173	93	2	[	[	X
fbem-4173	93	3	1	1	NUM
fbem-4173	93	4	]	]	X
fbem-4173	93	5	gayle	gayle	PROPN
fbem-4173	93	6	delong	delong	PROPN
fbem-4173	93	7	,	,	PUNCT
fbem-4173	93	8	robert	robert	PROPN
fbem-4173	93	9	deyoung	deyoung	PROPN
fbem-4173	93	10	(	(	PUNCT
fbem-4173	93	11	2007	2007	NUM
fbem-4173	93	12	)	)	PUNCT
fbem-4173	93	13	learning	learn	VERB
fbem-4173	93	14	by	by	ADP
fbem-4173	93	15	observing	observe	VERB
fbem-4173	93	16	:	:	PUNCT
fbem-4173	93	17	information	information	NOUN
fbem-4173	93	18	spillovers	spillover	NOUN
fbem-4173	93	19	in	in	ADP
fbem-4173	93	20	the	the	DET
fbem-4173	93	21	execution	execution	NOUN
fbem-4173	93	22	and	and	CCONJ
fbem-4173	93	23	valuation	valuation	NOUN
fbem-4173	93	24	of	of	ADP
fbem-4173	93	25	commercial	commercial	ADJ
fbem-4173	93	26	bank	bank	PROPN
fbem-4173	93	27	m&as	m&as	PROPN
fbem-4173	93	28	.	.	PUNCT
fbem-4173	94	1	the	the	DET
fbem-4173	94	2	journal	journal	NOUN
fbem-4173	94	3	of	of	ADP
fbem-4173	94	4	finance	finance	NOUN
fbem-4173	94	5	,	,	PUNCT
fbem-4173	94	6	62(1	62(1	NOUN
fbem-4173	94	7	)	)	PUNCT
fbem-4173	94	8	:	:	PUNCT
fbem-4173	94	9	181126	181126	NUM
fbem-4173	94	10	.	.	PUNCT
fbem-4173	95	1	[	[	X
fbem-4173	95	2	2	2	NUM
fbem-4173	95	3	]	]	SYM
fbem-4173	95	4	li	li	PROPN
fbem-4173	95	5	,	,	PUNCT
fbem-4173	95	6	d.	d.	PROPN
fbem-4173	95	7	,	,	PUNCT
fbem-4173	95	8	xu	xu	PROPN
fbem-4173	95	9	,	,	PUNCT
fbem-4173	95	10	y.	y.	PROPN
fbem-4173	95	11	(	(	PUNCT
fbem-4173	95	12	2014	2014	NUM
fbem-4173	95	13	)	)	PUNCT
fbem-4173	95	14	deep	deep	ADJ
fbem-4173	95	15	thinking	thinking	NOUN
fbem-4173	95	16	on	on	ADP
fbem-4173	95	17	the	the	DET
fbem-4173	95	18	impact	impact	NOUN
fbem-4173	95	19	of	of	ADP
fbem-4173	95	20	internet	internet	NOUN
fbem-4173	95	21	financing	financing	NOUN
fbem-4173	95	22	on	on	ADP
fbem-4173	95	23	banks	bank	NOUN
fbem-4173	95	24	.	.	PUNCT
fbem-4173	96	1	international	international	ADJ
fbem-4173	96	2	finance	finance	NOUN
fbem-4173	96	3	,	,	PUNCT
fbem-4173	96	4	5	5	NUM
fbem-4173	96	5	:	:	SYM
fbem-4173	96	6	64	64	NUM
fbem-4173	96	7	-	-	SYM
fbem-4173	96	8	67	67	NUM
fbem-4173	96	9	.	.	PUNCT
fbem-4173	97	1	[	[	X
fbem-4173	97	2	3	3	NUM
fbem-4173	97	3	]	]	X
fbem-4173	97	4	zhan	zhan	PROPN
fbem-4173	97	5	,	,	PUNCT
fbem-4173	97	6	m.	m.	NOUN
fbem-4173	97	7	,	,	PUNCT
fbem-4173	97	8	liu	liu	PROPN
fbem-4173	97	9	,	,	PUNCT
fbem-4173	97	10	z.	z.	PROPN
fbem-4173	97	11	,	,	PUNCT
fbem-4173	97	12	xu	xu	PROPN
fbem-4173	97	13	,	,	PUNCT
fbem-4173	97	14	y.	y.	PROPN
fbem-4173	97	15	,	,	PUNCT
fbem-4173	97	16	et	et	PROPN
fbem-4173	97	17	al	al	PROPN
fbem-4173	97	18	.	.	PUNCT
fbem-4173	98	1	(	(	PUNCT
fbem-4173	98	2	2018	2018	NUM
fbem-4173	98	3	)	)	PUNCT
fbem-4173	98	4	money	money	NOUN
fbem-4173	98	5	and	and	CCONJ
fbem-4173	98	6	credit	credit	NOUN
fbem-4173	98	7	:	:	PUNCT
fbem-4173	98	8	who	who	PRON
fbem-4173	98	9	forecasts	forecast	VERB
fbem-4173	98	10	output	output	VERB
fbem-4173	98	11	more	more	ADV
fbem-4173	98	12	accurately	accurately	ADV
fbem-4173	98	13	?	?	PUNCT
fbem-4173	99	1	a	a	DET
fbem-4173	99	2	comparative	comparative	ADJ
fbem-4173	99	3	study	study	NOUN
fbem-4173	99	4	of	of	ADP
fbem-4173	99	5	machine	machine	NOUN
fbem-4173	99	6	learning	learn	VERB
fbem-4173	99	7	algorithms	algorithm	NOUN
fbem-4173	99	8	.	.	PUNCT
fbem-4173	100	1	financial	financial	ADJ
fbem-4173	100	2	forum	forum	PROPN
fbem-4173	100	3	,	,	PUNCT
fbem-4173	100	4	23(06	23(06	PROPN
fbem-4173	100	5	)	)	PUNCT
fbem-4173	100	6	:	:	PUNCT
fbem-4173	101	1	38	38	NUM
fbem-4173	101	2	-	-	SYM
fbem-4173	101	3	52	52	NUM
fbem-4173	101	4	.	.	PUNCT
fbem-4173	102	1	[	[	X
fbem-4173	102	2	4	4	NUM
fbem-4173	102	3	]	]	SYM
fbem-4173	102	4	li	li	PROPN
fbem-4173	102	5	,	,	PUNCT
fbem-4173	102	6	spigt	spigt	NOUN
fbem-4173	102	7	&	&	CCONJ
fbem-4173	102	8	swinkels	swinkel	NOUN
fbem-4173	102	9	.	.	PUNCT
fbem-4173	103	1	(	(	PUNCT
fbem-4173	103	2	2017	2017	NUM
fbem-4173	103	3	)	)	PUNCT
fbem-4173	103	4	the	the	DET
fbem-4173	103	5	impact	impact	NOUN
fbem-4173	103	6	of	of	ADP
fbem-4173	103	7	fintech	fintech	NOUN
fbem-4173	103	8	start	start	NOUN
fbem-4173	103	9	-	-	PUNCT
fbem-4173	103	10	ups	up	NOUN
fbem-4173	103	11	on	on	ADP
fbem-4173	103	12	the	the	DET
fbem-4173	103	13	share	share	NOUN
fbem-4173	103	14	prices	price	NOUN
fbem-4173	103	15	of	of	ADP
fbem-4173	103	16	existing	exist	VERB
fbem-4173	103	17	retail	retail	ADJ
fbem-4173	103	18	banks	bank	NOUN
fbem-4173	103	19	.	.	PUNCT
fbem-4173	104	1	finance	finance	NOUN
fbem-4173	104	2	sunac	sunac	ADJ
fbem-4173	104	3	,	,	PUNCT
fbem-4173	104	4	1	1	NUM
fbem-4173	104	5	:	:	SYM
fbem-4173	104	6	26	26	NUM
fbem-4173	104	7	.	.	PUNCT
fbem-4173	105	1	[	[	X
fbem-4173	105	2	5	5	X
fbem-4173	105	3	]	]	PUNCT
fbem-4173	105	4	wang	wang	PROPN
fbem-4173	105	5	ke	ke	PROPN
fbem-4173	105	6	,	,	PUNCT
fbem-4173	105	7	wu	wu	PROPN
fbem-4173	106	1	qing	qing	PROPN
fbem-4173	106	2	li	li	PROPN
fbem-4173	107	1	ji	ji	PROPN
fbem-4173	107	2	.	.	PROPN
fbem-4173	107	3	financial	financial	ADJ
fbem-4173	107	4	technology	technology	NOUN
fbem-4173	107	5	and	and	CCONJ
fbem-4173	107	6	commercial	commercial	ADJ
fbem-4173	107	7	bank	bank	NOUN
fbem-4173	107	8	risk	risk	NOUN
fbem-4173	107	9	-	-	PUNCT
fbem-4173	107	10	taking	taking	NOUN
fbem-4173	107	11	:	:	PUNCT
fbem-4173	107	12	an	an	DET
fbem-4173	107	13	empirical	empirical	ADJ
fbem-4173	107	14	analysis	analysis	NOUN
fbem-4173	107	15	based	base	VERB
fbem-4173	107	16	on	on	ADP
fbem-4173	107	17	china	china	PROPN
fbem-4173	107	18	's	's	PART
fbem-4173	107	19	banking	banking	NOUN
fbem-4173	107	20	industry	industry	NOUN
fbem-4173	107	21	.	.	PUNCT
fbem-4173	108	1	management	management	NOUN
fbem-4173	108	2	modernization	modernization	NOUN
fbem-4173	108	3	,	,	PUNCT
fbem-4173	108	4	2017	2017	NUM
fbem-4173	108	5	,	,	PUNCT
fbem-4173	108	6	37(06	37(06	PROPN
fbem-4173	108	7	)	)	PUNCT
fbem-4173	108	8	:	:	PUNCT
fbem-4173	109	1	100	100	NUM
fbem-4173	109	2	-	-	SYM
fbem-4173	109	3	104	104	NUM
fbem-4173	109	4	[	[	X
fbem-4173	109	5	6	6	NUM
fbem-4173	109	6	]	]	PUNCT
fbem-4173	109	7	tang	tang	NOUN
fbem-4173	109	8	,	,	PUNCT
fbem-4173	109	9	y.	y.	NOUN
fbem-4173	109	10	(	(	PUNCT
fbem-4173	109	11	2021	2021	NUM
fbem-4173	109	12	)	)	PUNCT
fbem-4173	109	13	how	how	SCONJ
fbem-4173	109	14	does	do	AUX
fbem-4173	109	15	the	the	DET
fbem-4173	109	16	development	development	NOUN
fbem-4173	109	17	of	of	ADP
fbem-4173	109	18	financial	financial	ADJ
fbem-4173	109	19	technology	technology	NOUN
fbem-4173	109	20	in	in	ADP
fbem-4173	109	21	commercial	commercial	ADJ
fbem-4173	109	22	banks	bank	NOUN
fbem-4173	109	23	affect	affect	VERB
fbem-4173	109	24	credit	credit	NOUN
fbem-4173	109	25	business	business	NOUN
fbem-4173	109	26	?	?	PUNCT
fbem-4173	110	1	evidence	evidence	NOUN
fbem-4173	110	2	based	base	VERB
fbem-4173	110	3	on	on	ADP
fbem-4173	110	4	text	text	NOUN
fbem-4173	110	5	mining	mining	NOUN
fbem-4173	110	6	of	of	ADP
fbem-4173	110	7	annual	annual	ADJ
fbem-4173	110	8	reports	report	NOUN
fbem-4173	110	9	of	of	ADP
fbem-4173	110	10	listed	list	VERB
fbem-4173	110	11	banks	bank	NOUN
fbem-4173	110	12	.	.	PUNCT
fbem-4173	111	1	finance	finance	NOUN
fbem-4173	111	2	and	and	CCONJ
fbem-4173	111	3	economics	economic	NOUN
fbem-4173	111	4	,	,	PUNCT
fbem-4173	111	5	2	2	NUM
fbem-4173	111	6	:	:	SYM
fbem-4173	111	7	38	38	NUM
fbem-4173	111	8	-	-	SYM
fbem-4173	111	9	44	44	NUM
fbem-4173	111	10	.	.	PUNCT
fbem-4173	112	1	[	[	X
fbem-4173	112	2	7	7	NUM
fbem-4173	112	3	]	]	X
fbem-4173	112	4	yao	yao	PROPN
fbem-4173	112	5	ting	ting	PROPN
fbem-4173	112	6	,	,	PUNCT
fbem-4173	112	7	song	song	ADJ
fbem-4173	112	8	liangrong	liangrong	NOUN
fbem-4173	112	9	.	.	PUNCT
fbem-4173	113	1	research	research	NOUN
fbem-4173	113	2	on	on	ADP
fbem-4173	113	3	the	the	DET
fbem-4173	113	4	impact	impact	NOUN
fbem-4173	113	5	of	of	ADP
fbem-4173	113	6	financial	financial	ADJ
fbem-4173	113	7	technology	technology	NOUN
fbem-4173	113	8	on	on	ADP
fbem-4173	113	9	economic	economic	ADJ
fbem-4173	113	10	capital	capital	NOUN
fbem-4173	113	11	of	of	ADP
fbem-4173	113	12	commercial	commercial	ADJ
fbem-4173	113	13	bank	bank	PROPN
fbem-4173	113	14	credit	credit	NOUN
fbem-4173	113	15	risk	risk	NOUN
fbem-4173	113	16	.	.	PUNCT
fbem-4173	114	1	science	science	NOUN
fbem-4173	114	2	and	and	CCONJ
fbem-4173	114	3	technology	technology	NOUN
fbem-4173	114	4	management	management	NOUN
fbem-4173	114	5	research	research	NOUN
fbem-4173	114	6	,	,	PUNCT
fbem-4173	114	7	2021	2021	NUM
fbem-4173	114	8	,	,	PUNCT
fbem-4173	114	9	41(01	41(01	NUM
fbem-4173	114	10	):	):	PUNCT
fbem-4173	114	11	104	104	NUM
fbem-4173	114	12	-	-	SYM
fbem-4173	114	13	110	110	NUM
fbem-4173	114	14	.	.	PUNCT