id	sid	tid	token	lemma	pos
fbem-504	1	1	frontiers	frontier	NOUN
fbem-504	1	2	in	in	ADP
fbem-504	1	3	business	business	NOUN
fbem-504	1	4	,	,	PUNCT
fbem-504	1	5	economics	economic	NOUN
fbem-504	1	6	and	and	CCONJ
fbem-504	1	7	management	management	NOUN
fbem-504	1	8	issn	issn	PROPN
fbem-504	1	9	:	:	PUNCT
fbem-504	1	10	2766	2766	NUM
fbem-504	1	11	-	-	PUNCT
fbem-504	1	12	824x	824x	NUM
fbem-504	1	13	|	|	ADJ
fbem-504	1	14	vol	vol	NOUN
fbem-504	1	15	.	.	PROPN
fbem-504	2	1	4	4	NUM
fbem-504	2	2	,	,	PUNCT
fbem-504	2	3	no	no	INTJ
fbem-504	2	4	.	.	NOUN
fbem-504	2	5	1	1	NUM
fbem-504	2	6	,	,	PUNCT
fbem-504	2	7	2022	2022	NUM
fbem-504	2	8	64	64	NUM
fbem-504	2	9	financial	financial	ADJ
fbem-504	2	10	technology	technology	NOUN
fbem-504	2	11	to	to	PART
fbem-504	2	12	help	help	VERB
fbem-504	2	13	small	small	ADJ
fbem-504	2	14	and	and	CCONJ
fbem-504	2	15	medium‐sized	medium‐size	VERB
fbem-504	2	16	enterprises	enterprise	NOUN
fbem-504	2	17	financing	financing	NOUN
fbem-504	2	18	path	path	NOUN
fbem-504	2	19	and	and	CCONJ
fbem-504	2	20	countermeasures	countermeasure	VERB
fbem-504	2	21	junwei	junwei	PROPN
fbem-504	2	22	cao	cao	PROPN
fbem-504	2	23	*	*	PROPN
fbem-504	2	24	school	school	NOUN
fbem-504	2	25	of	of	ADP
fbem-504	2	26	finance	finance	NOUN
fbem-504	2	27	and	and	CCONJ
fbem-504	2	28	economics	economic	NOUN
fbem-504	2	29	,	,	PUNCT
fbem-504	2	30	henan	henan	PROPN
fbem-504	2	31	polytechnic	polytechnic	PROPN
fbem-504	2	32	university	university	PROPN
fbem-504	2	33	,	,	PUNCT
fbem-504	2	34	jiaozuo	jiaozuo	NOUN
fbem-504	2	35	,	,	PUNCT
fbem-504	2	36	454003	454003	NUM
fbem-504	2	37	,	,	PUNCT
fbem-504	2	38	china	china	PROPN
fbem-504	2	39	*	*	PUNCT
fbem-504	2	40	corresponding	correspond	VERB
fbem-504	2	41	author	author	NOUN
fbem-504	2	42	:	:	PUNCT
fbem-504	2	43	junwei	junwei	PROPN
fbem-504	2	44	cao	cao	PROPN
fbem-504	2	45	(	(	PUNCT
fbem-504	2	46	email	email	NOUN
fbem-504	2	47	:	:	PUNCT
fbem-504	2	48	caojunwei_up@163.com	caojunwei_up@163.com	NOUN
fbem-504	2	49	)	)	PUNCT
fbem-504	2	50	abstract	abstract	NOUN
fbem-504	2	51	:	:	PUNCT
fbem-504	2	52	in	in	ADP
fbem-504	2	53	recent	recent	ADJ
fbem-504	2	54	years	year	NOUN
fbem-504	2	55	,	,	PUNCT
fbem-504	2	56	with	with	ADP
fbem-504	2	57	the	the	DET
fbem-504	2	58	development	development	NOUN
fbem-504	2	59	of	of	ADP
fbem-504	2	60	china	china	PROPN
fbem-504	2	61	's	's	PART
fbem-504	2	62	overall	overall	ADJ
fbem-504	2	63	economy	economy	NOUN
fbem-504	2	64	,	,	PUNCT
fbem-504	2	65	small	small	ADJ
fbem-504	2	66	and	and	CCONJ
fbem-504	2	67	medium	medium	ADJ
fbem-504	2	68	-	-	PUNCT
fbem-504	2	69	sized	sized	ADJ
fbem-504	2	70	enterprises	enterprise	NOUN
fbem-504	2	71	have	have	AUX
fbem-504	2	72	gradually	gradually	ADV
fbem-504	2	73	become	become	VERB
fbem-504	2	74	the	the	DET
fbem-504	2	75	emerging	emerge	VERB
fbem-504	2	76	backbone	backbone	NOUN
fbem-504	2	77	to	to	PART
fbem-504	2	78	solve	solve	VERB
fbem-504	2	79	the	the	DET
fbem-504	2	80	problem	problem	NOUN
fbem-504	2	81	of	of	ADP
fbem-504	2	82	resident	resident	ADJ
fbem-504	2	83	employment	employment	NOUN
fbem-504	2	84	,	,	PUNCT
fbem-504	2	85	active	active	ADJ
fbem-504	2	86	financial	financial	ADJ
fbem-504	2	87	market	market	NOUN
fbem-504	2	88	,	,	PUNCT
fbem-504	2	89	innovative	innovative	ADJ
fbem-504	2	90	product	product	NOUN
fbem-504	2	91	upgrading	upgrading	NOUN
fbem-504	2	92	,	,	PUNCT
fbem-504	2	93	but	but	CCONJ
fbem-504	2	94	at	at	ADP
fbem-504	2	95	the	the	DET
fbem-504	2	96	same	same	ADJ
fbem-504	2	97	time	time	NOUN
fbem-504	2	98	,	,	PUNCT
fbem-504	2	99	the	the	DET
fbem-504	2	100	problem	problem	NOUN
fbem-504	2	101	of	of	ADP
fbem-504	2	102	difficult	difficult	ADJ
fbem-504	2	103	financing	financing	NOUN
fbem-504	2	104	and	and	CCONJ
fbem-504	2	105	expensive	expensive	ADJ
fbem-504	2	106	financing	financing	NOUN
fbem-504	2	107	has	have	AUX
fbem-504	2	108	been	be	AUX
fbem-504	2	109	hindering	hinder	VERB
fbem-504	2	110	the	the	DET
fbem-504	2	111	rapid	rapid	ADJ
fbem-504	2	112	growth	growth	NOUN
fbem-504	2	113	of	of	ADP
fbem-504	2	114	small	small	ADJ
fbem-504	2	115	and	and	CCONJ
fbem-504	2	116	medium	medium	ADJ
fbem-504	2	117	-	-	PUNCT
fbem-504	2	118	sized	sized	ADJ
fbem-504	2	119	enterprises	enterprise	NOUN
fbem-504	2	120	.	.	PUNCT
fbem-504	3	1	through	through	ADP
fbem-504	3	2	the	the	DET
fbem-504	3	3	current	current	ADJ
fbem-504	3	4	financing	financing	NOUN
fbem-504	3	5	situation	situation	NOUN
fbem-504	3	6	of	of	ADP
fbem-504	3	7	small	small	ADJ
fbem-504	3	8	and	and	CCONJ
fbem-504	3	9	medium	medium	ADJ
fbem-504	3	10	-	-	PUNCT
fbem-504	3	11	sized	sized	ADJ
fbem-504	3	12	enterprises	enterprise	NOUN
fbem-504	3	13	,	,	PUNCT
fbem-504	3	14	this	this	DET
fbem-504	3	15	paper	paper	NOUN
fbem-504	3	16	discusses	discuss	VERB
fbem-504	3	17	the	the	DET
fbem-504	3	18	reasons	reason	NOUN
fbem-504	3	19	for	for	ADP
fbem-504	3	20	the	the	DET
fbem-504	3	21	financing	financing	NOUN
fbem-504	3	22	difficulties	difficulty	NOUN
fbem-504	3	23	faced	face	VERB
fbem-504	3	24	by	by	ADP
fbem-504	3	25	small	small	ADJ
fbem-504	3	26	and	and	CCONJ
fbem-504	3	27	medium	medium	ADJ
fbem-504	3	28	-	-	PUNCT
fbem-504	3	29	sized	sized	ADJ
fbem-504	3	30	enterprises	enterprise	NOUN
fbem-504	3	31	,	,	PUNCT
fbem-504	3	32	and	and	CCONJ
fbem-504	3	33	then	then	ADV
fbem-504	3	34	introduces	introduce	VERB
fbem-504	3	35	fintech	fintech	NOUN
fbem-504	3	36	.	.	PUNCT
fbem-504	4	1	combined	combine	VERB
fbem-504	4	2	with	with	ADP
fbem-504	4	3	the	the	DET
fbem-504	4	4	development	development	NOUN
fbem-504	4	5	history	history	NOUN
fbem-504	4	6	and	and	CCONJ
fbem-504	4	7	application	application	NOUN
fbem-504	4	8	of	of	ADP
fbem-504	4	9	fintech	fintech	NOUN
fbem-504	4	10	,	,	PUNCT
fbem-504	4	11	this	this	DET
fbem-504	4	12	paper	paper	NOUN
fbem-504	4	13	studies	study	VERB
fbem-504	4	14	the	the	DET
fbem-504	4	15	financing	financing	NOUN
fbem-504	4	16	path	path	NOUN
fbem-504	4	17	assisted	assist	VERB
fbem-504	4	18	by	by	ADP
fbem-504	4	19	fintech	fintech	NOUN
fbem-504	4	20	and	and	CCONJ
fbem-504	4	21	explores	explore	VERB
fbem-504	4	22	the	the	DET
fbem-504	4	23	methods	method	NOUN
fbem-504	4	24	to	to	PART
fbem-504	4	25	solve	solve	VERB
fbem-504	4	26	the	the	DET
fbem-504	4	27	financing	financing	NOUN
fbem-504	4	28	difficulties	difficulty	NOUN
fbem-504	4	29	of	of	ADP
fbem-504	4	30	small	small	ADJ
fbem-504	4	31	and	and	CCONJ
fbem-504	4	32	medium	medium	ADJ
fbem-504	4	33	-	-	PUNCT
fbem-504	4	34	sized	sized	ADJ
fbem-504	4	35	enterprises	enterprise	NOUN
fbem-504	4	36	.	.	PUNCT
fbem-504	5	1	finally	finally	ADV
fbem-504	5	2	,	,	PUNCT
fbem-504	5	3	it	it	PRON
fbem-504	5	4	puts	put	VERB
fbem-504	5	5	forward	forward	ADV
fbem-504	5	6	feasible	feasible	ADJ
fbem-504	5	7	countermeasures	countermeasure	NOUN
fbem-504	5	8	and	and	CCONJ
fbem-504	5	9	suggestions	suggestion	NOUN
fbem-504	5	10	from	from	ADP
fbem-504	5	11	the	the	DET
fbem-504	5	12	aspects	aspect	NOUN
fbem-504	5	13	of	of	ADP
fbem-504	5	14	small	small	ADJ
fbem-504	5	15	and	and	CCONJ
fbem-504	5	16	medium	medium	ADJ
fbem-504	5	17	-	-	PUNCT
fbem-504	5	18	sized	sized	ADJ
fbem-504	5	19	enterprises	enterprise	NOUN
fbem-504	5	20	themselves	themselves	PRON
fbem-504	5	21	,	,	PUNCT
fbem-504	5	22	financial	financial	ADJ
fbem-504	5	23	institution	institution	NOUN
fbem-504	5	24	transformation	transformation	NOUN
fbem-504	5	25	and	and	CCONJ
fbem-504	5	26	fintech	fintech	NOUN
fbem-504	5	27	development	development	NOUN
fbem-504	5	28	.	.	PUNCT
fbem-504	6	1	keywords	keyword	NOUN
fbem-504	6	2	:	:	PUNCT
fbem-504	6	3	fintech	fintech	NOUN
fbem-504	6	4	,	,	PUNCT
fbem-504	6	5	small	small	ADJ
fbem-504	6	6	and	and	CCONJ
fbem-504	6	7	medium	medium	ADJ
fbem-504	6	8	-	-	PUNCT
fbem-504	6	9	sized	sized	ADJ
fbem-504	6	10	enterprises	enterprise	NOUN
fbem-504	6	11	,	,	PUNCT
fbem-504	6	12	financing	financing	NOUN
fbem-504	6	13	.	.	PUNCT
fbem-504	7	1	1	1	X
fbem-504	7	2	.	.	X
fbem-504	7	3	introduction	introduction	NOUN
fbem-504	7	4	small	small	ADJ
fbem-504	7	5	and	and	CCONJ
fbem-504	7	6	medium	medium	ADJ
fbem-504	7	7	-	-	PUNCT
fbem-504	7	8	sized	sized	ADJ
fbem-504	7	9	enterprises	enterprise	NOUN
fbem-504	7	10	promote	promote	VERB
fbem-504	7	11	economic	economic	ADJ
fbem-504	7	12	development	development	NOUN
fbem-504	7	13	and	and	CCONJ
fbem-504	7	14	maintain	maintain	VERB
fbem-504	7	15	social	social	ADJ
fbem-504	7	16	stability	stability	NOUN
fbem-504	7	17	,	,	PUNCT
fbem-504	7	18	and	and	CCONJ
fbem-504	7	19	play	play	VERB
fbem-504	7	20	an	an	DET
fbem-504	7	21	important	important	ADJ
fbem-504	7	22	role	role	NOUN
fbem-504	7	23	in	in	ADP
fbem-504	7	24	china	china	PROPN
fbem-504	7	25	's	's	PART
fbem-504	7	26	economic	economic	ADJ
fbem-504	7	27	system	system	NOUN
fbem-504	7	28	.	.	PUNCT
fbem-504	8	1	however	however	ADV
fbem-504	8	2	,	,	PUNCT
fbem-504	8	3	in	in	ADP
fbem-504	8	4	the	the	DET
fbem-504	8	5	process	process	NOUN
fbem-504	8	6	of	of	ADP
fbem-504	8	7	operation	operation	NOUN
fbem-504	8	8	and	and	CCONJ
fbem-504	8	9	development	development	NOUN
fbem-504	8	10	of	of	ADP
fbem-504	8	11	small	small	ADJ
fbem-504	8	12	and	and	CCONJ
fbem-504	8	13	mediumsized	mediumsized	ADJ
fbem-504	8	14	enterprises	enterprise	NOUN
fbem-504	8	15	,	,	PUNCT
fbem-504	8	16	due	due	ADP
fbem-504	8	17	to	to	ADP
fbem-504	8	18	their	their	PRON
fbem-504	8	19	own	own	ADJ
fbem-504	8	20	scale	scale	NOUN
fbem-504	8	21	and	and	CCONJ
fbem-504	8	22	external	external	ADJ
fbem-504	8	23	policy	policy	NOUN
fbem-504	8	24	environment	environment	NOUN
fbem-504	8	25	and	and	CCONJ
fbem-504	8	26	other	other	ADJ
fbem-504	8	27	problems	problem	NOUN
fbem-504	8	28	,	,	PUNCT
fbem-504	8	29	the	the	DET
fbem-504	8	30	traditional	traditional	ADJ
fbem-504	8	31	financing	financing	NOUN
fbem-504	8	32	model	model	NOUN
fbem-504	8	33	can	can	AUX
fbem-504	8	34	not	not	PART
fbem-504	8	35	well	well	ADV
fbem-504	8	36	meet	meet	VERB
fbem-504	8	37	their	their	PRON
fbem-504	8	38	capital	capital	NOUN
fbem-504	8	39	needs	need	NOUN
fbem-504	8	40	,	,	PUNCT
fbem-504	8	41	financing	finance	VERB
fbem-504	8	42	difficult	difficult	ADJ
fbem-504	8	43	,	,	PUNCT
fbem-504	8	44	expensive	expensive	ADJ
fbem-504	8	45	problems	problem	NOUN
fbem-504	8	46	have	have	AUX
fbem-504	8	47	always	always	ADV
fbem-504	8	48	existed	exist	VERB
fbem-504	8	49	.	.	PUNCT
fbem-504	9	1	in	in	ADP
fbem-504	9	2	recent	recent	ADJ
fbem-504	9	3	years	year	NOUN
fbem-504	9	4	,	,	PUNCT
fbem-504	9	5	with	with	ADP
fbem-504	9	6	the	the	DET
fbem-504	9	7	development	development	NOUN
fbem-504	9	8	of	of	ADP
fbem-504	9	9	information	information	NOUN
fbem-504	9	10	science	science	NOUN
fbem-504	9	11	,	,	PUNCT
fbem-504	9	12	fintech	fintech	NOUN
fbem-504	9	13	represented	represent	VERB
fbem-504	9	14	by	by	ADP
fbem-504	9	15	big	big	ADJ
fbem-504	9	16	data	datum	NOUN
fbem-504	9	17	,	,	PUNCT
fbem-504	9	18	cloud	cloud	NOUN
fbem-504	9	19	computing	computing	NOUN
fbem-504	9	20	and	and	CCONJ
fbem-504	9	21	blockchain	blockchain	PROPN
fbem-504	9	22	has	have	AUX
fbem-504	9	23	been	be	AUX
fbem-504	9	24	integrated	integrate	VERB
fbem-504	9	25	into	into	ADP
fbem-504	9	26	the	the	DET
fbem-504	9	27	financial	financial	ADJ
fbem-504	9	28	system	system	NOUN
fbem-504	9	29	.	.	PUNCT
fbem-504	10	1	fintech	fintech	NOUN
fbem-504	10	2	innovation	innovation	NOUN
fbem-504	10	3	makes	make	VERB
fbem-504	10	4	up	up	ADP
fbem-504	10	5	for	for	ADP
fbem-504	10	6	the	the	DET
fbem-504	10	7	defects	defect	NOUN
fbem-504	10	8	of	of	ADP
fbem-504	10	9	smes	sme	NOUN
fbem-504	10	10	'	'	PART
fbem-504	10	11	financing	financing	NOUN
fbem-504	10	12	ability	ability	NOUN
fbem-504	10	13	,	,	PUNCT
fbem-504	10	14	financing	financing	NOUN
fbem-504	10	15	cost	cost	NOUN
fbem-504	10	16	and	and	CCONJ
fbem-504	10	17	financing	financing	NOUN
fbem-504	10	18	risk	risk	NOUN
fbem-504	10	19	under	under	ADP
fbem-504	10	20	the	the	DET
fbem-504	10	21	traditional	traditional	ADJ
fbem-504	10	22	financing	financing	NOUN
fbem-504	10	23	model	model	NOUN
fbem-504	10	24	,	,	PUNCT
fbem-504	10	25	and	and	CCONJ
fbem-504	10	26	explores	explore	VERB
fbem-504	10	27	new	new	ADJ
fbem-504	10	28	ideas	idea	NOUN
fbem-504	10	29	and	and	CCONJ
fbem-504	10	30	methods	method	NOUN
fbem-504	10	31	to	to	PART
fbem-504	10	32	help	help	VERB
fbem-504	10	33	small	small	ADJ
fbem-504	10	34	and	and	CCONJ
fbem-504	10	35	medium	medium	ADJ
fbem-504	10	36	-	-	PUNCT
fbem-504	10	37	sized	sized	ADJ
fbem-504	10	38	enterprises	enterprise	NOUN
fbem-504	10	39	finance	finance	NOUN
fbem-504	10	40	based	base	VERB
fbem-504	10	41	on	on	ADP
fbem-504	10	42	the	the	DET
fbem-504	10	43	causes	cause	NOUN
fbem-504	10	44	of	of	ADP
fbem-504	10	45	smes	sme	NOUN
fbem-504	10	46	'	'	PART
fbem-504	10	47	financing	financing	NOUN
fbem-504	10	48	difficulties	difficulty	NOUN
fbem-504	10	49	.	.	PUNCT
fbem-504	11	1	2	2	X
fbem-504	11	2	.	.	X
fbem-504	11	3	introduction	introduction	NOUN
fbem-504	11	4	to	to	ADP
fbem-504	11	5	fintech	fintech	NOUN
fbem-504	11	6	2.1	2.1	NUM
fbem-504	11	7	.	.	PUNCT
fbem-504	12	1	development	development	NOUN
fbem-504	12	2	history	history	NOUN
fbem-504	12	3	of	of	ADP
fbem-504	12	4	fintech	fintech	NOUN
fbem-504	12	5	fintech	fintech	NOUN
fbem-504	12	6	originated	originate	VERB
fbem-504	12	7	in	in	ADP
fbem-504	12	8	the	the	DET
fbem-504	12	9	1980s	1980	NOUN
fbem-504	12	10	and	and	CCONJ
fbem-504	12	11	has	have	AUX
fbem-504	12	12	been	be	AUX
fbem-504	12	13	promoting	promote	VERB
fbem-504	12	14	the	the	DET
fbem-504	12	15	upgrading	upgrading	NOUN
fbem-504	12	16	of	of	ADP
fbem-504	12	17	financial	financial	ADJ
fbem-504	12	18	institutions	institution	NOUN
fbem-504	12	19	and	and	CCONJ
fbem-504	12	20	service	service	NOUN
fbem-504	12	21	technologies	technology	NOUN
fbem-504	12	22	for	for	ADP
fbem-504	12	23	decades	decade	NOUN
fbem-504	12	24	.	.	PUNCT
fbem-504	13	1	its	its	PRON
fbem-504	13	2	development	development	NOUN
fbem-504	13	3	process	process	NOUN
fbem-504	13	4	can	can	AUX
fbem-504	13	5	be	be	AUX
fbem-504	13	6	roughly	roughly	ADV
fbem-504	13	7	divided	divide	VERB
fbem-504	13	8	into	into	ADP
fbem-504	13	9	the	the	DET
fbem-504	13	10	following	follow	VERB
fbem-504	13	11	three	three	NUM
fbem-504	13	12	stages	stage	NOUN
fbem-504	13	13	.	.	PUNCT
fbem-504	14	1	2.1.1	2.1.1	X
fbem-504	14	2	.	.	PUNCT
fbem-504	14	3	fintech	fintech	NOUN
fbem-504	14	4	1.0	1.0	NUM
fbem-504	14	5	phase	phase	NOUN
fbem-504	14	6	the	the	DET
fbem-504	14	7	1.0	1.0	NUM
fbem-504	14	8	phase	phase	NOUN
fbem-504	14	9	of	of	ADP
fbem-504	14	10	fintech	fintech	NOUN
fbem-504	14	11	,	,	PUNCT
fbem-504	14	12	known	know	VERB
fbem-504	14	13	as	as	ADP
fbem-504	14	14	the	the	DET
fbem-504	14	15	electronic	electronic	ADJ
fbem-504	14	16	financial	financial	ADJ
fbem-504	14	17	era	era	NOUN
fbem-504	14	18	in	in	ADP
fbem-504	14	19	china	china	PROPN
fbem-504	14	20	,	,	PUNCT
fbem-504	14	21	was	be	AUX
fbem-504	14	22	characterised	characterise	VERB
fbem-504	14	23	by	by	ADP
fbem-504	14	24	its	its	PRON
fbem-504	14	25	"	"	PUNCT
fbem-504	14	26	account	account	NOUN
fbem-504	14	27	-	-	PUNCT
fbem-504	14	28	centricity	centricity	NOUN
fbem-504	14	29	"	"	PUNCT
fbem-504	14	30	.	.	PUNCT
fbem-504	15	1	during	during	ADP
fbem-504	15	2	this	this	DET
fbem-504	15	3	period	period	NOUN
fbem-504	15	4	,	,	PUNCT
fbem-504	15	5	internet	internet	NOUN
fbem-504	15	6	finance	finance	NOUN
fbem-504	15	7	accelerated	accelerate	VERB
fbem-504	15	8	its	its	PRON
fbem-504	15	9	growth	growth	NOUN
fbem-504	15	10	,	,	PUNCT
fbem-504	15	11	p2p	p2p	NOUN
fbem-504	15	12	platform	platform	NOUN
fbem-504	15	13	and	and	CCONJ
fbem-504	15	14	crowdfunding	crowdfunding	NOUN
fbem-504	15	15	platform	platform	NOUN
fbem-504	15	16	came	come	VERB
fbem-504	15	17	into	into	ADP
fbem-504	15	18	being	being	NOUN
fbem-504	15	19	,	,	PUNCT
fbem-504	15	20	and	and	CCONJ
fbem-504	15	21	business	business	NOUN
fbem-504	15	22	data	datum	NOUN
fbem-504	15	23	was	be	AUX
fbem-504	15	24	rapidly	rapidly	ADV
fbem-504	15	25	aggregated	aggregate	VERB
fbem-504	15	26	,	,	PUNCT
fbem-504	15	27	thus	thus	ADV
fbem-504	15	28	accelerating	accelerate	VERB
fbem-504	15	29	the	the	DET
fbem-504	15	30	development	development	NOUN
fbem-504	15	31	of	of	ADP
fbem-504	15	32	accounting	accounting	NOUN
fbem-504	15	33	system	system	NOUN
fbem-504	15	34	and	and	CCONJ
fbem-504	15	35	credit	credit	NOUN
fbem-504	15	36	system	system	NOUN
fbem-504	15	37	.fintech	.fintech	PRON
fbem-504	15	38	uses	use	VERB
fbem-504	15	39	banks	bank	NOUN
fbem-504	15	40	as	as	ADP
fbem-504	15	41	a	a	DET
fbem-504	15	42	central	central	ADJ
fbem-504	15	43	medium	medium	NOUN
fbem-504	15	44	to	to	PART
fbem-504	15	45	conduct	conduct	VERB
fbem-504	15	46	transactions	transaction	NOUN
fbem-504	15	47	through	through	ADP
fbem-504	15	48	an	an	DET
fbem-504	15	49	account	account	NOUN
fbem-504	15	50	binding	bind	VERB
fbem-504	15	51	model	model	NOUN
fbem-504	15	52	.	.	PUNCT
fbem-504	16	1	2.1.2	2.1.2	X
fbem-504	16	2	.	.	PUNCT
fbem-504	16	3	fintech	fintech	NOUN
fbem-504	16	4	2.0	2.0	NUM
fbem-504	16	5	phase	phase	NOUN
fbem-504	16	6	fintech	fintech	NOUN
fbem-504	16	7	2.0	2.0	NUM
fbem-504	16	8	is	be	AUX
fbem-504	16	9	the	the	DET
fbem-504	16	10	networking	network	VERB
fbem-504	16	11	stage	stage	NOUN
fbem-504	16	12	of	of	ADP
fbem-504	16	13	financial	financial	ADJ
fbem-504	16	14	channels	channel	NOUN
fbem-504	16	15	in	in	ADP
fbem-504	16	16	china	china	PROPN
fbem-504	16	17	,	,	PUNCT
fbem-504	16	18	and	and	CCONJ
fbem-504	16	19	its	its	PRON
fbem-504	16	20	business	business	NOUN
fbem-504	16	21	model	model	NOUN
fbem-504	16	22	is	be	AUX
fbem-504	16	23	"	"	PUNCT
fbem-504	16	24	customer	customer	NOUN
fbem-504	16	25	-	-	PUNCT
fbem-504	16	26	centric	centric	NOUN
fbem-504	16	27	"	"	PUNCT
fbem-504	16	28	.	.	PUNCT
fbem-504	17	1	in	in	ADP
fbem-504	17	2	particular	particular	ADJ
fbem-504	17	3	,	,	PUNCT
fbem-504	17	4	the	the	DET
fbem-504	17	5	launch	launch	NOUN
fbem-504	17	6	of	of	ADP
fbem-504	17	7	"	"	PUNCT
fbem-504	17	8	yu	yu	PROPN
fbem-504	17	9	'	'	PUNCT
fbem-504	17	10	e	e	X
fbem-504	17	11	bao	bao	PROPN
fbem-504	17	12	"	"	PUNCT
fbem-504	17	13	in	in	ADP
fbem-504	17	14	june	june	PROPN
fbem-504	17	15	2013	2013	NUM
fbem-504	17	16	made	make	VERB
fbem-504	17	17	online	online	ADJ
fbem-504	17	18	lending	lending	NOUN
fbem-504	17	19	platforms	platform	NOUN
fbem-504	17	20	become	become	VERB
fbem-504	17	21	a	a	DET
fbem-504	17	22	popular	popular	ADJ
fbem-504	17	23	investment	investment	NOUN
fbem-504	17	24	and	and	CCONJ
fbem-504	17	25	financing	financing	NOUN
fbem-504	17	26	method	method	NOUN
fbem-504	17	27	among	among	ADP
fbem-504	17	28	many	many	ADJ
fbem-504	17	29	consumers	consumer	NOUN
fbem-504	17	30	.	.	PUNCT
fbem-504	18	1	subsequently	subsequently	ADV
fbem-504	18	2	,	,	PUNCT
fbem-504	18	3	with	with	ADP
fbem-504	18	4	the	the	DET
fbem-504	18	5	continuous	continuous	ADJ
fbem-504	18	6	improvement	improvement	NOUN
fbem-504	18	7	of	of	ADP
fbem-504	18	8	fintech	fintech	NOUN
fbem-504	18	9	,	,	PUNCT
fbem-504	18	10	a	a	DET
fbem-504	18	11	large	large	ADJ
fbem-504	18	12	number	number	NOUN
fbem-504	18	13	of	of	ADP
fbem-504	18	14	online	online	ADJ
fbem-504	18	15	lending	lending	NOUN
fbem-504	18	16	platforms	platform	NOUN
fbem-504	18	17	,	,	PUNCT
fbem-504	18	18	equity	equity	NOUN
fbem-504	18	19	-	-	PUNCT
fbem-504	18	20	based	base	VERB
fbem-504	18	21	crowdfunding	crowdfunding	NOUN
fbem-504	18	22	platforms	platform	NOUN
fbem-504	18	23	and	and	CCONJ
fbem-504	18	24	intelligent	intelligent	ADJ
fbem-504	18	25	investment	investment	NOUN
fbem-504	18	26	companies	company	NOUN
fbem-504	18	27	mushroomed	mushroom	VERB
fbem-504	18	28	,	,	PUNCT
fbem-504	18	29	accelerating	accelerate	VERB
fbem-504	18	30	the	the	DET
fbem-504	18	31	development	development	NOUN
fbem-504	18	32	of	of	ADP
fbem-504	18	33	payment	payment	NOUN
fbem-504	18	34	,	,	PUNCT
fbem-504	18	35	lending	lending	NOUN
fbem-504	18	36	,	,	PUNCT
fbem-504	18	37	credit	credit	NOUN
fbem-504	18	38	investigation	investigation	NOUN
fbem-504	18	39	services	service	NOUN
fbem-504	18	40	and	and	CCONJ
fbem-504	18	41	other	other	ADJ
fbem-504	18	42	modes	mode	NOUN
fbem-504	18	43	.	.	PUNCT
fbem-504	19	1	2.1.3	2.1.3	X
fbem-504	19	2	.	.	PUNCT
fbem-504	19	3	fintech	fintech	NOUN
fbem-504	19	4	3.0	3.0	NUM
fbem-504	19	5	phase	phase	NOUN
fbem-504	19	6	since	since	SCONJ
fbem-504	19	7	2019	2019	NUM
fbem-504	19	8	,	,	PUNCT
fbem-504	19	9	big	big	ADJ
fbem-504	19	10	data	datum	NOUN
fbem-504	19	11	,	,	PUNCT
fbem-504	19	12	cloud	cloud	NOUN
fbem-504	19	13	computing	computing	NOUN
fbem-504	19	14	,	,	PUNCT
fbem-504	19	15	artificial	artificial	ADJ
fbem-504	19	16	intelligence	intelligence	NOUN
fbem-504	19	17	,	,	PUNCT
fbem-504	19	18	blockchain	blockchain	NOUN
fbem-504	19	19	,	,	PUNCT
fbem-504	19	20	5	5	NUM
fbem-504	19	21	g	g	NOUN
fbem-504	19	22	and	and	CCONJ
fbem-504	19	23	other	other	ADJ
fbem-504	19	24	technologies	technology	NOUN
fbem-504	19	25	have	have	AUX
fbem-504	19	26	been	be	AUX
fbem-504	19	27	deeply	deeply	ADV
fbem-504	19	28	integrated	integrate	VERB
fbem-504	19	29	with	with	ADP
fbem-504	19	30	financial	financial	ADJ
fbem-504	19	31	businesses	business	NOUN
fbem-504	19	32	,	,	PUNCT
fbem-504	19	33	which	which	PRON
fbem-504	19	34	is	be	AUX
fbem-504	19	35	called	call	VERB
fbem-504	19	36	fintech	fintech	NOUN
fbem-504	19	37	3.0	3.0	NUM
fbem-504	19	38	stage	stage	NOUN
fbem-504	19	39	.	.	PUNCT
fbem-504	20	1	in	in	ADP
fbem-504	20	2	"	"	PUNCT
fbem-504	20	3	to	to	ADP
fbem-504	20	4	the	the	DET
fbem-504	20	5	scene	scene	NOUN
fbem-504	20	6	as	as	ADP
fbem-504	20	7	the	the	DET
fbem-504	20	8	center	center	NOUN
fbem-504	20	9	"	"	PUNCT
fbem-504	20	10	of	of	ADP
fbem-504	20	11	the	the	DET
fbem-504	20	12	financial	financial	ADJ
fbem-504	20	13	service	service	NOUN
fbem-504	20	14	system	system	NOUN
fbem-504	20	15	,	,	PUNCT
fbem-504	20	16	the	the	DET
fbem-504	20	17	rapid	rapid	ADJ
fbem-504	20	18	development	development	NOUN
fbem-504	20	19	of	of	ADP
fbem-504	20	20	the	the	DET
fbem-504	20	21	market	market	NOUN
fbem-504	20	22	of	of	ADP
fbem-504	20	23	china	china	PROPN
fbem-504	20	24	's	's	PART
fbem-504	20	25	smart	smart	ADJ
fbem-504	20	26	shots	shot	NOUN
fbem-504	20	27	,	,	PUNCT
fbem-504	20	28	scale	scale	NOUN
fbem-504	20	29	continues	continue	VERB
fbem-504	20	30	to	to	PART
fbem-504	20	31	expand	expand	VERB
fbem-504	20	32	,	,	PUNCT
fbem-504	20	33	the	the	DET
fbem-504	20	34	financial	financial	ADJ
fbem-504	20	35	development	development	NOUN
fbem-504	20	36	of	of	ADP
fbem-504	20	37	the	the	DET
fbem-504	20	38	world	world	NOUN
fbem-504	20	39	's	's	PART
fbem-504	20	40	leading	lead	VERB
fbem-504	20	41	science	science	NOUN
fbem-504	20	42	and	and	CCONJ
fbem-504	20	43	technology	technology	NOUN
fbem-504	20	44	,	,	PUNCT
fbem-504	20	45	among	among	ADP
fbem-504	20	46	them	they	PRON
fbem-504	20	47	the	the	DET
fbem-504	20	48	ant	ant	ADJ
fbem-504	20	49	gold	gold	NOUN
fbem-504	20	50	suits	suit	NOUN
fbem-504	20	51	,	,	PUNCT
fbem-504	20	52	jingdong	jingdong	ADP
fbem-504	20	53	digital	digital	ADJ
fbem-504	20	54	technology	technology	NOUN
fbem-504	20	55	and	and	CCONJ
fbem-504	20	56	the	the	DET
fbem-504	20	57	degree	degree	NOUN
fbem-504	20	58	of	of	ADP
fbem-504	20	59	grain	grain	NOUN
fbem-504	20	60	full	full	ADJ
fbem-504	20	61	financial	financial	NOUN
fbem-504	20	62	are	be	AUX
fbem-504	20	63	at	at	ADP
fbem-504	20	64	the	the	DET
fbem-504	20	65	leading	lead	VERB
fbem-504	20	66	position	position	NOUN
fbem-504	20	67	,	,	PUNCT
fbem-504	20	68	87	87	NUM
fbem-504	20	69	%	%	NOUN
fbem-504	20	70	of	of	ADP
fbem-504	20	71	china	china	PROPN
fbem-504	20	72	's	's	PART
fbem-504	20	73	financial	financial	ADJ
fbem-504	20	74	technology	technology	NOUN
fbem-504	20	75	adoption	adoption	NOUN
fbem-504	20	76	rate	rate	NOUN
fbem-504	20	77	is	be	AUX
fbem-504	20	78	much	much	ADV
fbem-504	20	79	higher	high	ADJ
fbem-504	20	80	than	than	ADP
fbem-504	20	81	the	the	DET
fbem-504	20	82	global	global	ADJ
fbem-504	20	83	average	average	NOUN
fbem-504	20	84	,	,	PUNCT
fbem-504	20	85	64	64	NUM
fbem-504	20	86	%	%	NOUN
fbem-504	20	87	of	of	ADP
fbem-504	20	88	financial	financial	ADJ
fbem-504	20	89	technology	technology	NOUN
fbem-504	20	90	adoption	adoption	NOUN
fbem-504	20	91	.	.	PUNCT
fbem-504	21	1	2.2	2.2	NUM
fbem-504	21	2	.	.	PUNCT
fbem-504	21	3	fintech	fintech	NOUN
fbem-504	21	4	application	application	NOUN
fbem-504	21	5	areas	area	NOUN
fbem-504	21	6	after	after	ADP
fbem-504	21	7	decades	decade	NOUN
fbem-504	21	8	of	of	ADP
fbem-504	21	9	development	development	NOUN
fbem-504	21	10	,	,	PUNCT
fbem-504	21	11	financial	financial	ADJ
fbem-504	21	12	services	service	NOUN
fbem-504	21	13	and	and	CCONJ
fbem-504	21	14	the	the	DET
fbem-504	21	15	combination	combination	NOUN
fbem-504	21	16	of	of	ADP
fbem-504	21	17	the	the	DET
fbem-504	21	18	underlying	underlie	VERB
fbem-504	21	19	technology	technology	NOUN
fbem-504	21	20	,	,	PUNCT
fbem-504	21	21	artificial	artificial	ADJ
fbem-504	21	22	intelligence	intelligence	NOUN
fbem-504	21	23	,	,	PUNCT
fbem-504	21	24	big	big	ADJ
fbem-504	21	25	data	datum	NOUN
fbem-504	21	26	,	,	PUNCT
fbem-504	21	27	cloud	cloud	NOUN
fbem-504	21	28	computing	computing	NOUN
fbem-504	21	29	and	and	CCONJ
fbem-504	21	30	block	block	NOUN
fbem-504	21	31	chain	chain	NOUN
fbem-504	21	32	multiple	multiple	ADJ
fbem-504	21	33	advanced	advanced	ADJ
fbem-504	21	34	technology	technology	NOUN
fbem-504	21	35	into	into	ADP
fbem-504	21	36	the	the	DET
fbem-504	21	37	financial	financial	ADJ
fbem-504	21	38	system	system	NOUN
fbem-504	21	39	,	,	PUNCT
fbem-504	21	40	such	such	ADJ
fbem-504	21	41	as	as	ADP
fbem-504	21	42	pay	pay	NOUN
fbem-504	21	43	,	,	PUNCT
fbem-504	21	44	financing	financing	NOUN
fbem-504	21	45	,	,	PUNCT
fbem-504	21	46	investment	investment	NOUN
fbem-504	21	47	,	,	PUNCT
fbem-504	21	48	insurance	insurance	NOUN
fbem-504	21	49	,	,	PUNCT
fbem-504	21	50	and	and	CCONJ
fbem-504	21	51	areas	area	NOUN
fbem-504	21	52	such	such	ADJ
fbem-504	21	53	as	as	ADP
fbem-504	21	54	infrastructure	infrastructure	NOUN
fbem-504	21	55	mode	mode	NOUN
fbem-504	21	56	innovation	innovation	NOUN
fbem-504	21	57	,	,	PUNCT
fbem-504	21	58	product	product	NOUN
fbem-504	21	59	change	change	NOUN
fbem-504	21	60	quickly	quickly	ADV
fbem-504	21	61	,	,	PUNCT
fbem-504	21	62	the	the	DET
fbem-504	21	63	risk	risk	NOUN
fbem-504	21	64	also	also	ADV
fbem-504	21	65	got	get	VERB
fbem-504	21	66	better	well	ADJ
fbem-504	21	67	management	management	NOUN
fbem-504	21	68	.	.	PUNCT
fbem-504	22	1	continuous	continuous	ADJ
fbem-504	22	2	fintech	fintech	NOUN
fbem-504	22	3	innovation	innovation	NOUN
fbem-504	22	4	has	have	AUX
fbem-504	22	5	given	give	VERB
fbem-504	22	6	the	the	DET
fbem-504	22	7	fintech	fintech	NOUN
fbem-504	22	8	industry	industry	NOUN
fbem-504	22	9	a	a	DET
fbem-504	22	10	widely	widely	ADV
fbem-504	22	11	distributed	distribute	VERB
fbem-504	22	12	and	and	CCONJ
fbem-504	22	13	hierarchical	hierarchical	ADJ
fbem-504	22	14	industry	industry	NOUN
fbem-504	22	15	structure	structure	NOUN
fbem-504	22	16	.	.	PUNCT
fbem-504	23	1	a	a	DET
fbem-504	23	2	sound	sound	ADJ
fbem-504	23	3	fintech	fintech	NOUN
fbem-504	23	4	industry	industry	NOUN
fbem-504	23	5	enables	enable	VERB
fbem-504	23	6	the	the	DET
fbem-504	23	7	development	development	NOUN
fbem-504	23	8	and	and	CCONJ
fbem-504	23	9	upgrading	upgrading	NOUN
fbem-504	23	10	of	of	ADP
fbem-504	23	11	the	the	DET
fbem-504	23	12	traditional	traditional	ADJ
fbem-504	23	13	financial	financial	ADJ
fbem-504	23	14	industry	industry	NOUN
fbem-504	23	15	,	,	PUNCT
fbem-504	23	16	which	which	PRON
fbem-504	23	17	will	will	AUX
fbem-504	23	18	eventually	eventually	ADV
fbem-504	23	19	be	be	AUX
fbem-504	23	20	implemented	implement	VERB
fbem-504	23	21	into	into	ADP
fbem-504	23	22	the	the	DET
fbem-504	23	23	application	application	NOUN
fbem-504	23	24	of	of	ADP
fbem-504	23	25	fintech	fintech	NOUN
fbem-504	23	26	,	,	PUNCT
fbem-504	23	27	involving	involve	VERB
fbem-504	23	28	in	in	ADP
fbem-504	23	29	many	many	ADJ
fbem-504	23	30	aspects	aspect	NOUN
fbem-504	23	31	.	.	PUNCT
fbem-504	24	1	2.2.1	2.2.1	NUM
fbem-504	24	2	.	.	PUNCT
fbem-504	25	1	serving	serve	VERB
fbem-504	25	2	the	the	DET
fbem-504	25	3	real	real	ADJ
fbem-504	25	4	economy	economy	NOUN
fbem-504	25	5	the	the	DET
fbem-504	25	6	original	original	ADJ
fbem-504	25	7	intention	intention	NOUN
fbem-504	25	8	of	of	ADP
fbem-504	25	9	the	the	DET
fbem-504	25	10	continuous	continuous	ADJ
fbem-504	25	11	innovation	innovation	NOUN
fbem-504	25	12	and	and	CCONJ
fbem-504	25	13	development	development	NOUN
fbem-504	25	14	of	of	ADP
fbem-504	25	15	fintech	fintech	NOUN
fbem-504	25	16	is	be	AUX
fbem-504	25	17	to	to	PART
fbem-504	25	18	serve	serve	VERB
fbem-504	25	19	the	the	DET
fbem-504	25	20	real	real	ADJ
fbem-504	25	21	economy	economy	NOUN
fbem-504	25	22	.	.	PUNCT
fbem-504	26	1	in	in	ADP
fbem-504	26	2	recent	recent	ADJ
fbem-504	26	3	years	year	NOUN
fbem-504	26	4	,	,	PUNCT
fbem-504	26	5	small	small	ADJ
fbem-504	26	6	and	and	CCONJ
fbem-504	26	7	medium	medium	ADJ
fbem-504	26	8	-	-	PUNCT
fbem-504	26	9	sized	sized	ADJ
fbem-504	26	10	enterprise	enterprise	NOUN
fbem-504	26	11	financing	financing	NOUN
fbem-504	26	12	problems	problem	NOUN
fbem-504	26	13	has	have	AUX
fbem-504	26	14	been	be	AUX
fbem-504	26	15	in	in	ADP
fbem-504	26	16	the	the	DET
fbem-504	26	17	financial	financial	ADJ
fbem-504	26	18	sector	sector	NOUN
fbem-504	26	19	weaknesses	weakness	NOUN
fbem-504	26	20	,	,	PUNCT
fbem-504	26	21	big	big	ADJ
fbem-504	26	22	data	datum	NOUN
fbem-504	26	23	,	,	PUNCT
fbem-504	26	24	cloud	cloud	NOUN
fbem-504	26	25	65	65	NUM
fbem-504	26	26	computing	computing	NOUN
fbem-504	26	27	,	,	PUNCT
fbem-504	26	28	the	the	DET
fbem-504	26	29	use	use	NOUN
fbem-504	26	30	of	of	ADP
fbem-504	26	31	emerging	emerge	VERB
fbem-504	26	32	technology	technology	NOUN
fbem-504	26	33	such	such	ADJ
fbem-504	26	34	as	as	ADP
fbem-504	26	35	block	block	NOUN
fbem-504	26	36	chain	chain	NOUN
fbem-504	26	37	for	for	ADP
fbem-504	26	38	provides	provide	VERB
fbem-504	26	39	a	a	DET
fbem-504	26	40	solution	solution	NOUN
fbem-504	26	41	to	to	ADP
fbem-504	26	42	this	this	DET
fbem-504	26	43	problem	problem	NOUN
fbem-504	26	44	,	,	PUNCT
fbem-504	26	45	and	and	CCONJ
fbem-504	26	46	easing	ease	VERB
fbem-504	26	47	lending	lend	VERB
fbem-504	26	48	both	both	DET
fbem-504	26	49	sides	side	NOUN
fbem-504	26	50	of	of	ADP
fbem-504	26	51	the	the	DET
fbem-504	26	52	problem	problem	NOUN
fbem-504	26	53	of	of	ADP
fbem-504	26	54	asymmetric	asymmetric	ADJ
fbem-504	26	55	information	information	NOUN
fbem-504	26	56	,	,	PUNCT
fbem-504	26	57	credit	credit	NOUN
fbem-504	26	58	evaluation	evaluation	NOUN
fbem-504	26	59	and	and	CCONJ
fbem-504	26	60	risk	risk	NOUN
fbem-504	26	61	pricing	pricing	NOUN
fbem-504	26	62	issues	issue	NOUN
fbem-504	26	63	,	,	PUNCT
fbem-504	26	64	etc	etc	X
fbem-504	26	65	.	.	X
fbem-504	26	66	,	,	PUNCT
fbem-504	26	67	and	and	CCONJ
fbem-504	26	68	establish	establish	VERB
fbem-504	26	69	the	the	DET
fbem-504	26	70	corresponding	correspond	VERB
fbem-504	26	71	track	track	NOUN
fbem-504	26	72	monitoring	monitoring	NOUN
fbem-504	26	73	system	system	NOUN
fbem-504	26	74	and	and	CCONJ
fbem-504	26	75	the	the	DET
fbem-504	26	76	interest	interest	NOUN
fbem-504	26	77	rate	rate	NOUN
fbem-504	26	78	to	to	PART
fbem-504	26	79	determine	determine	VERB
fbem-504	26	80	system	system	NOUN
fbem-504	26	81	,	,	PUNCT
fbem-504	26	82	it	it	PRON
fbem-504	26	83	reduces	reduce	VERB
fbem-504	26	84	the	the	DET
fbem-504	26	85	financing	financing	NOUN
fbem-504	26	86	cost	cost	NOUN
fbem-504	26	87	and	and	CCONJ
fbem-504	26	88	improves	improve	VERB
fbem-504	26	89	the	the	DET
fbem-504	26	90	financing	financing	NOUN
fbem-504	26	91	efficiency	efficiency	NOUN
fbem-504	26	92	of	of	ADP
fbem-504	26	93	small	small	ADJ
fbem-504	26	94	and	and	CCONJ
fbem-504	26	95	medium	medium	ADJ
fbem-504	26	96	-	-	PUNCT
fbem-504	26	97	sized	sized	ADJ
fbem-504	26	98	enterprises	enterprise	NOUN
fbem-504	26	99	.	.	PUNCT
fbem-504	27	1	2.2.2	2.2.2	X
fbem-504	27	2	.	.	PUNCT
fbem-504	28	1	promote	promote	VERB
fbem-504	28	2	the	the	DET
fbem-504	28	3	development	development	NOUN
fbem-504	28	4	of	of	ADP
fbem-504	28	5	inclusive	inclusive	ADJ
fbem-504	28	6	finance	finance	NOUN
fbem-504	28	7	in	in	ADP
fbem-504	28	8	addition	addition	NOUN
fbem-504	28	9	,	,	PUNCT
fbem-504	28	10	benefiting	benefit	VERB
fbem-504	28	11	from	from	ADP
fbem-504	28	12	fintech	fintech	NOUN
fbem-504	28	13	,	,	PUNCT
fbem-504	28	14	financial	financial	ADJ
fbem-504	28	15	institutions	institution	NOUN
fbem-504	28	16	apply	apply	VERB
fbem-504	28	17	digital	digital	ADJ
fbem-504	28	18	business	business	NOUN
fbem-504	28	19	management	management	NOUN
fbem-504	28	20	systems	system	NOUN
fbem-504	28	21	,	,	PUNCT
fbem-504	28	22	thus	thus	ADV
fbem-504	28	23	promoting	promote	VERB
fbem-504	28	24	the	the	DET
fbem-504	28	25	development	development	NOUN
fbem-504	28	26	of	of	ADP
fbem-504	28	27	inclusive	inclusive	ADJ
fbem-504	28	28	finance	finance	NOUN
fbem-504	28	29	.	.	PUNCT
fbem-504	29	1	the	the	DET
fbem-504	29	2	specific	specific	ADJ
fbem-504	29	3	measures	measure	NOUN
fbem-504	29	4	are	be	AUX
fbem-504	29	5	to	to	PART
fbem-504	29	6	manage	manage	VERB
fbem-504	29	7	business	business	NOUN
fbem-504	29	8	and	and	CCONJ
fbem-504	29	9	products	product	NOUN
fbem-504	29	10	thoroughly	thoroughly	ADV
fbem-504	29	11	through	through	ADP
fbem-504	29	12	the	the	DET
fbem-504	29	13	system	system	NOUN
fbem-504	29	14	,	,	PUNCT
fbem-504	29	15	control	control	NOUN
fbem-504	29	16	business	business	NOUN
fbem-504	29	17	input	input	NOUN
fbem-504	29	18	costs	cost	NOUN
fbem-504	29	19	,	,	PUNCT
fbem-504	29	20	and	and	CCONJ
fbem-504	29	21	improve	improve	VERB
fbem-504	29	22	the	the	DET
fbem-504	29	23	efficiency	efficiency	NOUN
fbem-504	29	24	of	of	ADP
fbem-504	29	25	capital	capital	NOUN
fbem-504	29	26	operation	operation	NOUN
fbem-504	29	27	;	;	PUNCT
fbem-504	29	28	through	through	ADP
fbem-504	29	29	the	the	DET
fbem-504	29	30	artificial	artificial	ADJ
fbem-504	29	31	intelligence	intelligence	NOUN
fbem-504	29	32	interactive	interactive	ADJ
fbem-504	29	33	technology	technology	NOUN
fbem-504	29	34	of	of	ADP
fbem-504	29	35	the	the	DET
fbem-504	29	36	system	system	NOUN
fbem-504	29	37	,	,	PUNCT
fbem-504	29	38	it	it	PRON
fbem-504	29	39	can	can	AUX
fbem-504	29	40	promote	promote	VERB
fbem-504	29	41	the	the	DET
fbem-504	29	42	intelligent	intelligent	ADJ
fbem-504	29	43	operation	operation	NOUN
fbem-504	29	44	decision	decision	NOUN
fbem-504	29	45	of	of	ADP
fbem-504	29	46	financial	financial	ADJ
fbem-504	29	47	institutions	institution	NOUN
fbem-504	29	48	and	and	CCONJ
fbem-504	29	49	improve	improve	VERB
fbem-504	29	50	the	the	DET
fbem-504	29	51	convenience	convenience	NOUN
fbem-504	29	52	of	of	ADP
fbem-504	29	53	identity	identity	NOUN
fbem-504	29	54	verification	verification	NOUN
fbem-504	29	55	.	.	PUNCT
fbem-504	30	1	the	the	DET
fbem-504	30	2	efficiency	efficiency	NOUN
fbem-504	30	3	and	and	CCONJ
fbem-504	30	4	cost	cost	NOUN
fbem-504	30	5	reduction	reduction	NOUN
fbem-504	30	6	brought	bring	VERB
fbem-504	30	7	by	by	ADP
fbem-504	30	8	the	the	DET
fbem-504	30	9	above	above	ADJ
fbem-504	30	10	technological	technological	ADJ
fbem-504	30	11	dividends	dividend	NOUN
fbem-504	30	12	benefit	benefit	VERB
fbem-504	30	13	many	many	ADJ
fbem-504	30	14	customer	customer	NOUN
fbem-504	30	15	groups	group	NOUN
fbem-504	30	16	and	and	CCONJ
fbem-504	30	17	effectively	effectively	ADV
fbem-504	30	18	improve	improve	VERB
fbem-504	30	19	the	the	DET
fbem-504	30	20	availability	availability	NOUN
fbem-504	30	21	of	of	ADP
fbem-504	30	22	financial	financial	ADJ
fbem-504	30	23	products	product	NOUN
fbem-504	30	24	and	and	CCONJ
fbem-504	30	25	services	service	NOUN
fbem-504	30	26	as	as	ADV
fbem-504	30	27	well	well	ADV
fbem-504	30	28	as	as	ADP
fbem-504	30	29	the	the	DET
fbem-504	30	30	safety	safety	NOUN
fbem-504	30	31	of	of	ADP
fbem-504	30	32	assets	asset	NOUN
fbem-504	30	33	.	.	PUNCT
fbem-504	31	1	2.2.3	2.2.3	X
fbem-504	31	2	.	.	PUNCT
fbem-504	31	3	improve	improve	VERB
fbem-504	31	4	the	the	DET
fbem-504	31	5	hard	hard	ADJ
fbem-504	31	6	power	power	NOUN
fbem-504	31	7	of	of	ADP
fbem-504	31	8	science	science	NOUN
fbem-504	31	9	and	and	CCONJ
fbem-504	31	10	technology	technology	NOUN
fbem-504	31	11	fintech	fintech	NOUN
fbem-504	31	12	has	have	AUX
fbem-504	31	13	effectively	effectively	ADV
fbem-504	31	14	empowered	empower	VERB
fbem-504	31	15	banks	bank	NOUN
fbem-504	31	16	'	'	PART
fbem-504	31	17	digital	digital	ADJ
fbem-504	31	18	transformation	transformation	NOUN
fbem-504	31	19	,	,	PUNCT
fbem-504	31	20	diversified	diversify	VERB
fbem-504	31	21	data	datum	NOUN
fbem-504	31	22	processing	processing	NOUN
fbem-504	31	23	,	,	PUNCT
fbem-504	31	24	intelligent	intelligent	ADJ
fbem-504	31	25	risk	risk	NOUN
fbem-504	31	26	control	control	NOUN
fbem-504	31	27	and	and	CCONJ
fbem-504	31	28	convenient	convenient	ADJ
fbem-504	31	29	financing	financing	NOUN
fbem-504	31	30	payment	payment	NOUN
fbem-504	31	31	and	and	CCONJ
fbem-504	31	32	clearing	clearing	NOUN
fbem-504	31	33	,	,	PUNCT
fbem-504	31	34	etc	etc	X
fbem-504	31	35	.	.	X
fbem-504	31	36	,	,	PUNCT
fbem-504	31	37	covering	cover	VERB
fbem-504	31	38	a	a	DET
fbem-504	31	39	complete	complete	ADJ
fbem-504	31	40	range	range	NOUN
fbem-504	31	41	of	of	ADP
fbem-504	31	42	fields	field	NOUN
fbem-504	31	43	and	and	CCONJ
fbem-504	31	44	significantly	significantly	ADV
fbem-504	31	45	improving	improve	VERB
fbem-504	31	46	their	their	PRON
fbem-504	31	47	hard	hard	ADJ
fbem-504	31	48	power	power	NOUN
fbem-504	31	49	.	.	PUNCT
fbem-504	32	1	the	the	DET
fbem-504	32	2	progress	progress	NOUN
fbem-504	32	3	of	of	ADP
fbem-504	32	4	the	the	DET
fbem-504	32	5	hard	hard	ADJ
fbem-504	32	6	power	power	NOUN
fbem-504	32	7	of	of	ADP
fbem-504	32	8	science	science	NOUN
fbem-504	32	9	and	and	CCONJ
fbem-504	32	10	technology	technology	NOUN
fbem-504	32	11	has	have	AUX
fbem-504	32	12	improved	improve	VERB
fbem-504	32	13	the	the	DET
fbem-504	32	14	data	datum	NOUN
fbem-504	32	15	processing	processing	NOUN
fbem-504	32	16	ability	ability	NOUN
fbem-504	32	17	of	of	ADP
fbem-504	32	18	various	various	ADJ
fbem-504	32	19	industries	industry	NOUN
fbem-504	32	20	in	in	ADP
fbem-504	32	21	the	the	DET
fbem-504	32	22	financial	financial	ADJ
fbem-504	32	23	field	field	NOUN
fbem-504	32	24	,	,	PUNCT
fbem-504	32	25	reduced	reduce	VERB
fbem-504	32	26	the	the	DET
fbem-504	32	27	operating	operate	VERB
fbem-504	32	28	cost	cost	NOUN
fbem-504	32	29	of	of	ADP
fbem-504	32	30	enterprises	enterprise	NOUN
fbem-504	32	31	,	,	PUNCT
fbem-504	32	32	promoted	promote	VERB
fbem-504	32	33	the	the	DET
fbem-504	32	34	optimization	optimization	NOUN
fbem-504	32	35	of	of	ADP
fbem-504	32	36	the	the	DET
fbem-504	32	37	organizational	organizational	ADJ
fbem-504	32	38	structure	structure	NOUN
fbem-504	32	39	and	and	CCONJ
fbem-504	32	40	risk	risk	NOUN
fbem-504	32	41	management	management	NOUN
fbem-504	32	42	ability	ability	NOUN
fbem-504	32	43	of	of	ADP
fbem-504	32	44	enterprises	enterprise	NOUN
fbem-504	32	45	,	,	PUNCT
fbem-504	32	46	and	and	CCONJ
fbem-504	32	47	thus	thus	ADV
fbem-504	32	48	expanded	expand	VERB
fbem-504	32	49	the	the	DET
fbem-504	32	50	audience	audience	NOUN
fbem-504	32	51	range	range	NOUN
fbem-504	32	52	of	of	ADP
fbem-504	32	53	financial	financial	ADJ
fbem-504	32	54	institutions	institution	NOUN
fbem-504	32	55	.	.	PUNCT
fbem-504	33	1	small	small	ADJ
fbem-504	33	2	and	and	CCONJ
fbem-504	33	3	medium	medium	ADJ
fbem-504	33	4	-	-	PUNCT
fbem-504	33	5	sized	sized	ADJ
fbem-504	33	6	enterprises	enterprise	NOUN
fbem-504	33	7	supported	support	VERB
fbem-504	33	8	by	by	ADP
fbem-504	33	9	credit	credit	NOUN
fbem-504	33	10	enhancement	enhancement	NOUN
fbem-504	33	11	can	can	AUX
fbem-504	33	12	also	also	ADV
fbem-504	33	13	carry	carry	VERB
fbem-504	33	14	out	out	ADP
fbem-504	33	15	financing	financing	NOUN
fbem-504	33	16	more	more	ADV
fbem-504	33	17	conveniently	conveniently	ADV
fbem-504	33	18	.	.	PUNCT
fbem-504	34	1	3	3	X
fbem-504	34	2	.	.	X
fbem-504	34	3	analysis	analysis	NOUN
fbem-504	34	4	of	of	ADP
fbem-504	34	5	financing	financing	NOUN
fbem-504	34	6	of	of	ADP
fbem-504	34	7	small	small	ADJ
fbem-504	34	8	and	and	CCONJ
fbem-504	34	9	medium	medium	ADJ
fbem-504	34	10	-	-	PUNCT
fbem-504	34	11	sized	sized	ADJ
fbem-504	34	12	enterprises	enterprise	NOUN
fbem-504	34	13	3.1	3.1	NUM
fbem-504	34	14	.	.	PUNCT
fbem-504	35	1	analysis	analysis	NOUN
fbem-504	35	2	of	of	ADP
fbem-504	35	3	the	the	DET
fbem-504	35	4	current	current	ADJ
fbem-504	35	5	financing	financing	NOUN
fbem-504	35	6	situation	situation	NOUN
fbem-504	35	7	of	of	ADP
fbem-504	35	8	small	small	ADJ
fbem-504	35	9	and	and	CCONJ
fbem-504	35	10	medium	medium	ADJ
fbem-504	35	11	-	-	PUNCT
fbem-504	35	12	sized	sized	ADJ
fbem-504	35	13	enterprises	enterprise	NOUN
fbem-504	35	14	3.1.1	3.1.1	NUM
fbem-504	35	15	.	.	PUNCT
fbem-504	36	1	insufficient	insufficient	ADJ
fbem-504	36	2	financing	financing	NOUN
fbem-504	36	3	capacity	capacity	NOUN
fbem-504	36	4	financing	financing	NOUN
fbem-504	36	5	of	of	ADP
fbem-504	36	6	small	small	ADJ
fbem-504	36	7	and	and	CCONJ
fbem-504	36	8	medium	medium	ADJ
fbem-504	36	9	-	-	PUNCT
fbem-504	36	10	sized	sized	ADJ
fbem-504	36	11	enterprises	enterprise	NOUN
fbem-504	36	12	are	be	AUX
fbem-504	36	13	usually	usually	ADV
fbem-504	36	14	present	present	ADJ
fbem-504	36	15	time	time	NOUN
fbem-504	36	16	is	be	AUX
fbem-504	36	17	short	short	ADJ
fbem-504	36	18	,	,	PUNCT
fbem-504	36	19	high	high	ADJ
fbem-504	36	20	frequency	frequency	NOUN
fbem-504	36	21	,	,	PUNCT
fbem-504	36	22	small	small	ADJ
fbem-504	36	23	amount	amount	NOUN
fbem-504	36	24	,	,	PUNCT
fbem-504	36	25	but	but	CCONJ
fbem-504	36	26	due	due	ADP
fbem-504	36	27	to	to	ADP
fbem-504	36	28	the	the	DET
fbem-504	36	29	small	small	ADJ
fbem-504	36	30	and	and	CCONJ
fbem-504	36	31	medium	medium	ADJ
fbem-504	36	32	-	-	PUNCT
fbem-504	36	33	sized	sized	ADJ
fbem-504	36	34	enterprises	enterprise	NOUN
fbem-504	36	35	in	in	ADP
fbem-504	36	36	china	china	PROPN
fbem-504	36	37	are	be	AUX
fbem-504	36	38	larger	large	ADJ
fbem-504	36	39	population	population	NOUN
fbem-504	36	40	size	size	NOUN
fbem-504	36	41	,	,	PUNCT
fbem-504	36	42	and	and	CCONJ
fbem-504	36	43	single	single	ADJ
fbem-504	36	44	financing	financing	NOUN
fbem-504	36	45	channel	channel	NOUN
fbem-504	36	46	,	,	PUNCT
fbem-504	36	47	most	most	ADJ
fbem-504	36	48	of	of	ADP
fbem-504	36	49	them	they	PRON
fbem-504	36	50	are	be	AUX
fbem-504	36	51	directly	directly	ADV
fbem-504	36	52	to	to	ADP
fbem-504	36	53	the	the	DET
fbem-504	36	54	bank	bank	NOUN
fbem-504	36	55	to	to	PART
fbem-504	36	56	borrow	borrow	VERB
fbem-504	36	57	money	money	NOUN
fbem-504	36	58	,	,	PUNCT
fbem-504	36	59	combined	combine	VERB
fbem-504	36	60	with	with	ADP
fbem-504	36	61	the	the	DET
fbem-504	36	62	current	current	ADJ
fbem-504	36	63	tough	tough	ADJ
fbem-504	36	64	financing	financing	NOUN
fbem-504	36	65	environment	environment	NOUN
fbem-504	36	66	for	for	ADP
fbem-504	36	67	small	small	ADJ
fbem-504	36	68	and	and	CCONJ
fbem-504	36	69	medium	medium	ADJ
fbem-504	36	70	-	-	PUNCT
fbem-504	36	71	sized	sized	ADJ
fbem-504	36	72	enterprises	enterprise	NOUN
fbem-504	36	73	and	and	CCONJ
fbem-504	36	74	banks	bank	NOUN
fbem-504	36	75	do	do	AUX
fbem-504	36	76	n't	not	PART
fbem-504	36	77	trust	trust	VERB
fbem-504	36	78	,	,	PUNCT
fbem-504	36	79	makes	make	VERB
fbem-504	36	80	the	the	DET
fbem-504	36	81	overall	overall	ADJ
fbem-504	36	82	financing	financing	NOUN
fbem-504	36	83	demand	demand	NOUN
fbem-504	36	84	gap	gap	NOUN
fbem-504	36	85	.	.	PUNCT
fbem-504	37	1	in	in	ADP
fbem-504	37	2	addition	addition	NOUN
fbem-504	37	3	,	,	PUNCT
fbem-504	37	4	factors	factor	NOUN
fbem-504	37	5	such	such	ADJ
fbem-504	37	6	as	as	ADP
fbem-504	37	7	small	small	ADJ
fbem-504	37	8	scale	scale	NOUN
fbem-504	37	9	of	of	ADP
fbem-504	37	10	operation	operation	NOUN
fbem-504	37	11	and	and	CCONJ
fbem-504	37	12	backward	backward	ADJ
fbem-504	37	13	technical	technical	ADJ
fbem-504	37	14	conditions	condition	NOUN
fbem-504	37	15	make	make	VERB
fbem-504	37	16	it	it	PRON
fbem-504	37	17	difficult	difficult	ADJ
fbem-504	37	18	for	for	ADP
fbem-504	37	19	small	small	ADJ
fbem-504	37	20	and	and	CCONJ
fbem-504	37	21	medium	medium	ADJ
fbem-504	37	22	-	-	PUNCT
fbem-504	37	23	sized	sized	ADJ
fbem-504	37	24	enterprises	enterprise	NOUN
fbem-504	37	25	to	to	PART
fbem-504	37	26	provide	provide	VERB
fbem-504	37	27	collateral	collateral	NOUN
fbem-504	37	28	needed	need	VERB
fbem-504	37	29	for	for	ADP
fbem-504	37	30	financing	financing	NOUN
fbem-504	37	31	,	,	PUNCT
fbem-504	37	32	which	which	PRON
fbem-504	37	33	further	far	ADV
fbem-504	37	34	leads	lead	VERB
fbem-504	37	35	to	to	ADP
fbem-504	37	36	the	the	DET
fbem-504	37	37	limitations	limitation	NOUN
fbem-504	37	38	of	of	ADP
fbem-504	37	39	their	their	PRON
fbem-504	37	40	financing	financing	NOUN
fbem-504	37	41	ability	ability	NOUN
fbem-504	37	42	.	.	PUNCT
fbem-504	38	1	3.1.2	3.1.2	X
fbem-504	38	2	.	.	PUNCT
fbem-504	38	3	high	high	ADJ
fbem-504	38	4	financing	financing	NOUN
fbem-504	38	5	cost	cost	VERB
fbem-504	38	6	traditional	traditional	ADJ
fbem-504	38	7	financial	financial	ADJ
fbem-504	38	8	institutions	institution	NOUN
fbem-504	38	9	will	will	AUX
fbem-504	38	10	raise	raise	VERB
fbem-504	38	11	loan	loan	NOUN
fbem-504	38	12	interest	interest	NOUN
fbem-504	38	13	rates	rate	NOUN
fbem-504	38	14	to	to	PART
fbem-504	38	15	deal	deal	VERB
fbem-504	38	16	with	with	ADP
fbem-504	38	17	the	the	DET
fbem-504	38	18	shortage	shortage	NOUN
fbem-504	38	19	of	of	ADP
fbem-504	38	20	collateral	collateral	NOUN
fbem-504	38	21	for	for	ADP
fbem-504	38	22	small	small	ADJ
fbem-504	38	23	and	and	CCONJ
fbem-504	38	24	medium	medium	ADJ
fbem-504	38	25	-	-	PUNCT
fbem-504	38	26	sized	sized	ADJ
fbem-504	38	27	enterprises	enterprise	NOUN
fbem-504	38	28	.	.	PUNCT
fbem-504	39	1	at	at	ADP
fbem-504	39	2	the	the	DET
fbem-504	39	3	same	same	ADJ
fbem-504	39	4	time	time	NOUN
fbem-504	39	5	,	,	PUNCT
fbem-504	39	6	the	the	DET
fbem-504	39	7	complex	complex	ADJ
fbem-504	39	8	examination	examination	NOUN
fbem-504	39	9	and	and	CCONJ
fbem-504	39	10	approval	approval	NOUN
fbem-504	39	11	procedures	procedure	NOUN
fbem-504	39	12	and	and	CCONJ
fbem-504	39	13	cumbersome	cumbersome	ADJ
fbem-504	39	14	manual	manual	ADJ
fbem-504	39	15	business	business	NOUN
fbem-504	39	16	processes	process	NOUN
fbem-504	39	17	of	of	ADP
fbem-504	39	18	traditional	traditional	ADJ
fbem-504	39	19	credit	credit	NOUN
fbem-504	39	20	all	all	PRON
fbem-504	39	21	need	need	VERB
fbem-504	39	22	to	to	PART
fbem-504	39	23	transfer	transfer	VERB
fbem-504	39	24	certain	certain	ADJ
fbem-504	39	25	operating	operating	NOUN
fbem-504	39	26	costs	cost	NOUN
fbem-504	39	27	.	.	PUNCT
fbem-504	40	1	secondly	secondly	ADV
fbem-504	40	2	,	,	PUNCT
fbem-504	40	3	small	small	ADJ
fbem-504	40	4	and	and	CCONJ
fbem-504	40	5	mediumsized	mediumsized	ADJ
fbem-504	40	6	enterprises	enterprise	NOUN
fbem-504	40	7	with	with	ADP
fbem-504	40	8	imperfect	imperfect	ADJ
fbem-504	40	9	finance	finance	NOUN
fbem-504	40	10	and	and	CCONJ
fbem-504	40	11	management	management	NOUN
fbem-504	40	12	need	need	VERB
fbem-504	40	13	corresponding	correspond	VERB
fbem-504	40	14	guarantees	guarantee	NOUN
fbem-504	40	15	to	to	PART
fbem-504	40	16	carry	carry	VERB
fbem-504	40	17	out	out	ADP
fbem-504	40	18	financing	financing	NOUN
fbem-504	40	19	,	,	PUNCT
fbem-504	40	20	while	while	SCONJ
fbem-504	40	21	the	the	DET
fbem-504	40	22	guarantee	guarantee	NOUN
fbem-504	40	23	expense	expense	NOUN
fbem-504	40	24	ratio	ratio	NOUN
fbem-504	40	25	of	of	ADP
fbem-504	40	26	general	general	ADJ
fbem-504	40	27	loan	loan	NOUN
fbem-504	40	28	guarantee	guarantee	NOUN
fbem-504	40	29	companies	company	NOUN
fbem-504	40	30	reaches	reach	VERB
fbem-504	40	31	2%-2.5%.in	2%-2.5%.in	NUM
fbem-504	40	32	addition	addition	NOUN
fbem-504	40	33	,	,	PUNCT
fbem-504	40	34	small	small	ADJ
fbem-504	40	35	and	and	CCONJ
fbem-504	40	36	mediumsized	mediumsized	ADJ
fbem-504	40	37	enterprises	enterprise	NOUN
fbem-504	40	38	lack	lack	VERB
fbem-504	40	39	corresponding	correspond	VERB
fbem-504	40	40	preferential	preferential	ADJ
fbem-504	40	41	and	and	CCONJ
fbem-504	40	42	supportive	supportive	ADJ
fbem-504	40	43	policies	policy	NOUN
fbem-504	40	44	when	when	SCONJ
fbem-504	40	45	financing	finance	VERB
fbem-504	40	46	.	.	PUNCT
fbem-504	41	1	in	in	ADP
fbem-504	41	2	addition	addition	NOUN
fbem-504	41	3	to	to	ADP
fbem-504	41	4	paying	pay	VERB
fbem-504	41	5	high	high	ADJ
fbem-504	41	6	loan	loan	NOUN
fbem-504	41	7	interest	interest	NOUN
fbem-504	41	8	regularly	regularly	ADV
fbem-504	41	9	to	to	ADP
fbem-504	41	10	banks	bank	NOUN
fbem-504	41	11	,	,	PUNCT
fbem-504	41	12	they	they	PRON
fbem-504	41	13	also	also	ADV
fbem-504	41	14	need	need	VERB
fbem-504	41	15	to	to	PART
fbem-504	41	16	pay	pay	VERB
fbem-504	41	17	additional	additional	ADJ
fbem-504	41	18	service	service	NOUN
fbem-504	41	19	fees	fee	NOUN
fbem-504	41	20	such	such	ADJ
fbem-504	41	21	as	as	ADP
fbem-504	41	22	asset	asset	NOUN
fbem-504	41	23	notary	notary	ADJ
fbem-504	41	24	fee	fee	NOUN
fbem-504	41	25	and	and	CCONJ
fbem-504	41	26	appraisal	appraisal	NOUN
fbem-504	41	27	fee	fee	NOUN
fbem-504	41	28	,	,	PUNCT
fbem-504	41	29	which	which	PRON
fbem-504	41	30	makes	make	VERB
fbem-504	41	31	the	the	DET
fbem-504	41	32	financing	financing	NOUN
fbem-504	41	33	cost	cost	NOUN
fbem-504	41	34	high	high	ADJ
fbem-504	41	35	.	.	PUNCT
fbem-504	42	1	3.1.3	3.1.3	NUM
fbem-504	42	2	.	.	PUNCT
fbem-504	42	3	high	high	ADJ
fbem-504	42	4	financing	financing	NOUN
fbem-504	42	5	risk	risk	NOUN
fbem-504	42	6	the	the	DET
fbem-504	42	7	change	change	NOUN
fbem-504	42	8	of	of	ADP
fbem-504	42	9	market	market	NOUN
fbem-504	42	10	demand	demand	NOUN
fbem-504	42	11	and	and	CCONJ
fbem-504	42	12	the	the	DET
fbem-504	42	13	lack	lack	NOUN
fbem-504	42	14	of	of	ADP
fbem-504	42	15	financial	financial	ADJ
fbem-504	42	16	support	support	NOUN
fbem-504	42	17	make	make	VERB
fbem-504	42	18	small	small	ADJ
fbem-504	42	19	and	and	CCONJ
fbem-504	42	20	medium	medium	ADJ
fbem-504	42	21	-	-	PUNCT
fbem-504	42	22	sized	sized	ADJ
fbem-504	42	23	enterprises	enterprise	NOUN
fbem-504	42	24	,	,	PUNCT
fbem-504	42	25	especially	especially	ADV
fbem-504	42	26	those	those	PRON
fbem-504	42	27	in	in	ADP
fbem-504	42	28	the	the	DET
fbem-504	42	29	initial	initial	ADJ
fbem-504	42	30	stage	stage	NOUN
fbem-504	42	31	,	,	PUNCT
fbem-504	42	32	easy	easy	ADJ
fbem-504	42	33	to	to	PART
fbem-504	42	34	close	close	VERB
fbem-504	42	35	down	down	ADP
fbem-504	42	36	.	.	PUNCT
fbem-504	43	1	due	due	ADP
fbem-504	43	2	to	to	ADP
fbem-504	43	3	the	the	DET
fbem-504	43	4	lack	lack	NOUN
fbem-504	43	5	of	of	ADP
fbem-504	43	6	correct	correct	ADJ
fbem-504	43	7	market	market	NOUN
fbem-504	43	8	orientation	orientation	NOUN
fbem-504	43	9	,	,	PUNCT
fbem-504	43	10	small	small	ADJ
fbem-504	43	11	and	and	CCONJ
fbem-504	43	12	medium	medium	ADJ
fbem-504	43	13	-	-	PUNCT
fbem-504	43	14	sized	sized	ADJ
fbem-504	43	15	enterprises	enterprise	NOUN
fbem-504	43	16	can	can	AUX
fbem-504	43	17	not	not	PART
fbem-504	43	18	adjust	adjust	VERB
fbem-504	43	19	their	their	PRON
fbem-504	43	20	product	product	NOUN
fbem-504	43	21	supply	supply	NOUN
fbem-504	43	22	for	for	ADP
fbem-504	43	23	financing	financing	NOUN
fbem-504	43	24	,	,	PUNCT
fbem-504	43	25	thus	thus	ADV
fbem-504	43	26	increasing	increase	VERB
fbem-504	43	27	the	the	DET
fbem-504	43	28	risk	risk	NOUN
fbem-504	43	29	of	of	ADP
fbem-504	43	30	lending	lending	NOUN
fbem-504	43	31	to	to	ADP
fbem-504	43	32	investors	investor	NOUN
fbem-504	43	33	.	.	PUNCT
fbem-504	44	1	in	in	ADP
fbem-504	44	2	addition	addition	NOUN
fbem-504	44	3	,	,	PUNCT
fbem-504	44	4	some	some	DET
fbem-504	44	5	small	small	ADJ
fbem-504	44	6	and	and	CCONJ
fbem-504	44	7	medium	medium	ADJ
fbem-504	44	8	-	-	PUNCT
fbem-504	44	9	sized	sized	ADJ
fbem-504	44	10	enterprises	enterprise	NOUN
fbem-504	44	11	in	in	ADP
fbem-504	44	12	emerging	emerge	VERB
fbem-504	44	13	industries	industry	NOUN
fbem-504	44	14	and	and	CCONJ
fbem-504	44	15	supported	support	VERB
fbem-504	44	16	by	by	ADP
fbem-504	44	17	national	national	ADJ
fbem-504	44	18	policies	policy	NOUN
fbem-504	44	19	adopt	adopt	VERB
fbem-504	44	20	equity	equity	NOUN
fbem-504	44	21	transfer	transfer	NOUN
fbem-504	44	22	for	for	ADP
fbem-504	44	23	financing	financing	NOUN
fbem-504	44	24	in	in	ADP
fbem-504	44	25	order	order	NOUN
fbem-504	44	26	to	to	PART
fbem-504	44	27	achieve	achieve	VERB
fbem-504	44	28	better	well	ADJ
fbem-504	44	29	development	development	NOUN
fbem-504	44	30	in	in	ADP
fbem-504	44	31	the	the	DET
fbem-504	44	32	future	future	NOUN
fbem-504	44	33	,	,	PUNCT
fbem-504	44	34	which	which	PRON
fbem-504	44	35	dilutes	dilute	VERB
fbem-504	44	36	the	the	DET
fbem-504	44	37	control	control	NOUN
fbem-504	44	38	rights	right	NOUN
fbem-504	44	39	of	of	ADP
fbem-504	44	40	the	the	DET
fbem-504	44	41	original	original	ADJ
fbem-504	44	42	shareholders	shareholder	NOUN
fbem-504	44	43	,	,	PUNCT
fbem-504	44	44	causes	cause	VERB
fbem-504	44	45	differences	difference	NOUN
fbem-504	44	46	in	in	ADP
fbem-504	44	47	development	development	NOUN
fbem-504	44	48	strategies	strategy	NOUN
fbem-504	44	49	and	and	CCONJ
fbem-504	44	50	leads	lead	VERB
fbem-504	44	51	to	to	ADP
fbem-504	44	52	risks	risk	NOUN
fbem-504	44	53	in	in	ADP
fbem-504	44	54	their	their	PRON
fbem-504	44	55	own	own	ADJ
fbem-504	44	56	operations	operation	NOUN
fbem-504	44	57	.	.	PUNCT
fbem-504	45	1	at	at	ADP
fbem-504	45	2	the	the	DET
fbem-504	45	3	same	same	ADJ
fbem-504	45	4	time	time	NOUN
fbem-504	45	5	,	,	PUNCT
fbem-504	45	6	the	the	DET
fbem-504	45	7	risk	risk	NOUN
fbem-504	45	8	resistance	resistance	NOUN
fbem-504	45	9	of	of	ADP
fbem-504	45	10	small	small	ADJ
fbem-504	45	11	and	and	CCONJ
fbem-504	45	12	medium	medium	ADJ
fbem-504	45	13	-	-	PUNCT
fbem-504	45	14	sized	sized	ADJ
fbem-504	45	15	enterprises	enterprise	NOUN
fbem-504	45	16	is	be	AUX
fbem-504	45	17	insufficient	insufficient	ADJ
fbem-504	45	18	,	,	PUNCT
fbem-504	45	19	exacerbating	exacerbate	VERB
fbem-504	45	20	the	the	DET
fbem-504	45	21	financing	financing	NOUN
fbem-504	45	22	risk	risk	NOUN
fbem-504	45	23	.	.	PUNCT
fbem-504	46	1	3.2	3.2	NUM
fbem-504	46	2	.	.	PUNCT
fbem-504	47	1	analysis	analysis	NOUN
fbem-504	47	2	of	of	ADP
fbem-504	47	3	financing	finance	VERB
fbem-504	47	4	difficulties	difficulty	NOUN
fbem-504	47	5	of	of	ADP
fbem-504	47	6	small	small	ADJ
fbem-504	47	7	and	and	CCONJ
fbem-504	47	8	medium	medium	ADJ
fbem-504	47	9	-	-	PUNCT
fbem-504	47	10	sized	sized	ADJ
fbem-504	47	11	enterprises	enterprise	NOUN
fbem-504	47	12	3.2.1	3.2.1	NUM
fbem-504	47	13	.	.	PUNCT
fbem-504	48	1	analysis	analysis	NOUN
fbem-504	48	2	of	of	ADP
fbem-504	48	3	its	its	PRON
fbem-504	48	4	own	own	ADJ
fbem-504	48	5	factors	factor	NOUN
fbem-504	48	6	first	first	ADV
fbem-504	48	7	of	of	ADP
fbem-504	48	8	all	all	PRON
fbem-504	48	9	,	,	PUNCT
fbem-504	48	10	small	small	ADJ
fbem-504	48	11	and	and	CCONJ
fbem-504	48	12	medium	medium	ADJ
fbem-504	48	13	-	-	PUNCT
fbem-504	48	14	sized	sized	ADJ
fbem-504	48	15	enterprises	enterprise	NOUN
fbem-504	48	16	with	with	ADP
fbem-504	48	17	small	small	ADJ
fbem-504	48	18	scale	scale	NOUN
fbem-504	48	19	and	and	CCONJ
fbem-504	48	20	single	single	ADJ
fbem-504	48	21	industrial	industrial	ADJ
fbem-504	48	22	structure	structure	NOUN
fbem-504	48	23	can	can	AUX
fbem-504	48	24	not	not	PART
fbem-504	48	25	gain	gain	VERB
fbem-504	48	26	scale	scale	NOUN
fbem-504	48	27	effect	effect	NOUN
fbem-504	48	28	and	and	CCONJ
fbem-504	48	29	are	be	AUX
fbem-504	48	30	less	less	ADV
fbem-504	48	31	competitive	competitive	ADJ
fbem-504	48	32	in	in	ADP
fbem-504	48	33	the	the	DET
fbem-504	48	34	market	market	NOUN
fbem-504	48	35	.	.	PUNCT
fbem-504	49	1	secondly	secondly	ADV
fbem-504	49	2	,	,	PUNCT
fbem-504	49	3	the	the	DET
fbem-504	49	4	credit	credit	NOUN
fbem-504	49	5	status	status	NOUN
fbem-504	49	6	of	of	ADP
fbem-504	49	7	most	most	ADV
fbem-504	49	8	small	small	ADJ
fbem-504	49	9	and	and	CCONJ
fbem-504	49	10	medium	medium	ADJ
fbem-504	49	11	-	-	PUNCT
fbem-504	49	12	sized	sized	ADJ
fbem-504	49	13	enterprises	enterprise	NOUN
fbem-504	49	14	is	be	AUX
fbem-504	49	15	not	not	PART
fbem-504	49	16	optimistic	optimistic	ADJ
fbem-504	49	17	,	,	PUNCT
fbem-504	49	18	in	in	ADP
fbem-504	49	19	the	the	DET
fbem-504	49	20	process	process	NOUN
fbem-504	49	21	of	of	ADP
fbem-504	49	22	operation	operation	NOUN
fbem-504	49	23	to	to	PART
fbem-504	49	24	make	make	VERB
fbem-504	49	25	a	a	DET
fbem-504	49	26	lot	lot	NOUN
fbem-504	49	27	of	of	ADP
fbem-504	49	28	credit	credit	NOUN
fbem-504	49	29	damage	damage	NOUN
fbem-504	49	30	behavior	behavior	NOUN
fbem-504	49	31	,	,	PUNCT
fbem-504	49	32	such	such	ADJ
fbem-504	49	33	as	as	ADP
fbem-504	49	34	abuse	abuse	NOUN
fbem-504	49	35	of	of	ADP
fbem-504	49	36	funds	fund	NOUN
fbem-504	49	37	,	,	PUNCT
fbem-504	49	38	capital	capital	NOUN
fbem-504	49	39	turnover	turnover	NOUN
fbem-504	49	40	is	be	AUX
fbem-504	49	41	not	not	PART
fbem-504	49	42	working	work	VERB
fbem-504	49	43	loan	loan	NOUN
fbem-504	49	44	fraud	fraud	NOUN
fbem-504	49	45	behavior	behavior	NOUN
fbem-504	49	46	and	and	CCONJ
fbem-504	49	47	debt	debt	NOUN
fbem-504	49	48	evasion	evasion	NOUN
fbem-504	49	49	behavior	behavior	NOUN
fbem-504	49	50	.	.	PUNCT
fbem-504	50	1	in	in	ADP
fbem-504	50	2	addition	addition	NOUN
fbem-504	50	3	,	,	PUNCT
fbem-504	50	4	the	the	DET
fbem-504	50	5	general	general	ADJ
fbem-504	50	6	management	management	NOUN
fbem-504	50	7	level	level	NOUN
fbem-504	50	8	of	of	ADP
fbem-504	50	9	small	small	ADJ
fbem-504	50	10	and	and	CCONJ
fbem-504	50	11	medium	medium	ADJ
fbem-504	50	12	-	-	PUNCT
fbem-504	50	13	sized	sized	ADJ
fbem-504	50	14	enterprises	enterprise	NOUN
fbem-504	50	15	is	be	AUX
fbem-504	50	16	backward	backward	ADJ
fbem-504	50	17	,	,	PUNCT
fbem-504	50	18	lack	lack	NOUN
fbem-504	50	19	of	of	ADP
fbem-504	50	20	long	long	ADJ
fbem-504	50	21	-	-	PUNCT
fbem-504	50	22	term	term	NOUN
fbem-504	50	23	goal	goal	NOUN
fbem-504	50	24	planning	planning	NOUN
fbem-504	50	25	,	,	PUNCT
fbem-504	50	26	accounting	accounting	NOUN
fbem-504	50	27	is	be	AUX
fbem-504	50	28	not	not	PART
fbem-504	50	29	comprehensive	comprehensive	ADJ
fbem-504	50	30	and	and	CCONJ
fbem-504	50	31	capital	capital	NOUN
fbem-504	50	32	management	management	NOUN
fbem-504	50	33	is	be	AUX
fbem-504	50	34	not	not	PART
fbem-504	50	35	in	in	ADP
fbem-504	50	36	place	place	NOUN
fbem-504	50	37	from	from	ADP
fbem-504	50	38	time	time	NOUN
fbem-504	50	39	to	to	ADP
fbem-504	50	40	time	time	NOUN
fbem-504	50	41	,	,	PUNCT
fbem-504	50	42	it	it	PRON
fbem-504	50	43	is	be	AUX
fbem-504	50	44	difficult	difficult	ADJ
fbem-504	50	45	to	to	PART
fbem-504	50	46	recognize	recognize	VERB
fbem-504	50	47	their	their	PRON
fbem-504	50	48	position	position	NOUN
fbem-504	50	49	in	in	ADP
fbem-504	50	50	the	the	DET
fbem-504	50	51	market	market	NOUN
fbem-504	50	52	.	.	PUNCT
fbem-504	51	1	therefore	therefore	ADV
fbem-504	51	2	,	,	PUNCT
fbem-504	51	3	banks	bank	NOUN
fbem-504	51	4	and	and	CCONJ
fbem-504	51	5	other	other	ADJ
fbem-504	51	6	financial	financial	ADJ
fbem-504	51	7	institutions	institution	NOUN
fbem-504	51	8	in	in	ADP
fbem-504	51	9	the	the	DET
fbem-504	51	10	face	face	NOUN
fbem-504	51	11	of	of	ADP
fbem-504	51	12	the	the	DET
fbem-504	51	13	capital	capital	NOUN
fbem-504	51	14	needs	need	NOUN
fbem-504	51	15	of	of	ADP
fbem-504	51	16	small	small	ADJ
fbem-504	51	17	and	and	CCONJ
fbem-504	51	18	medium	medium	ADJ
fbem-504	51	19	-	-	PUNCT
fbem-504	51	20	sized	sized	ADJ
fbem-504	51	21	enterprises	enterprise	NOUN
fbem-504	51	22	appear	appear	VERB
fbem-504	51	23	rejection	rejection	NOUN
fbem-504	51	24	psychology	psychology	NOUN
fbem-504	51	25	,	,	PUNCT
fbem-504	51	26	resulting	result	VERB
fbem-504	51	27	in	in	ADP
fbem-504	51	28	financing	financing	NOUN
fbem-504	51	29	difficulties	difficulty	NOUN
fbem-504	51	30	.	.	PUNCT
fbem-504	52	1	3.2.2	3.2.2	X
fbem-504	52	2	.	.	PUNCT
fbem-504	53	1	analysis	analysis	NOUN
fbem-504	53	2	of	of	ADP
fbem-504	53	3	external	external	ADJ
fbem-504	53	4	factors	factor	NOUN
fbem-504	53	5	first	first	ADV
fbem-504	53	6	,	,	PUNCT
fbem-504	53	7	information	information	NOUN
fbem-504	53	8	asymmetry	asymmetry	NOUN
fbem-504	53	9	between	between	ADP
fbem-504	53	10	small	small	ADJ
fbem-504	53	11	and	and	CCONJ
fbem-504	53	12	mediumsized	mediumsized	ADJ
fbem-504	53	13	enterprises	enterprise	NOUN
fbem-504	53	14	and	and	CCONJ
fbem-504	53	15	financial	financial	ADJ
fbem-504	53	16	institutions	institution	NOUN
fbem-504	53	17	due	due	ADP
fbem-504	53	18	to	to	ADP
fbem-504	53	19	the	the	DET
fbem-504	53	20	high	high	ADJ
fbem-504	53	21	opacity	opacity	NOUN
fbem-504	53	22	of	of	ADP
fbem-504	53	23	the	the	DET
fbem-504	53	24	financial	financial	ADJ
fbem-504	53	25	information	information	NOUN
fbem-504	53	26	of	of	ADP
fbem-504	53	27	small	small	ADJ
fbem-504	53	28	and	and	CCONJ
fbem-504	53	29	medium	medium	ADJ
fbem-504	53	30	-	-	PUNCT
fbem-504	53	31	sized	sized	ADJ
fbem-504	53	32	enterprises	enterprise	NOUN
fbem-504	53	33	,	,	PUNCT
fbem-504	53	34	the	the	DET
fbem-504	53	35	management	management	NOUN
fbem-504	53	36	system	system	NOUN
fbem-504	53	37	of	of	ADP
fbem-504	53	38	the	the	DET
fbem-504	53	39	leadership	leadership	NOUN
fbem-504	53	40	is	be	AUX
fbem-504	53	41	not	not	PART
fbem-504	53	42	standardized	standardize	VERB
fbem-504	53	43	,	,	PUNCT
fbem-504	53	44	and	and	CCONJ
fbem-504	53	45	the	the	DET
fbem-504	53	46	internal	internal	ADJ
fbem-504	53	47	mechanism	mechanism	NOUN
fbem-504	53	48	is	be	AUX
fbem-504	53	49	not	not	PART
fbem-504	53	50	perfect	perfect	ADJ
fbem-504	53	51	,	,	PUNCT
fbem-504	53	52	resulting	result	VERB
fbem-504	53	53	in	in	ADP
fbem-504	53	54	the	the	DET
fbem-504	53	55	banks	bank	NOUN
fbem-504	53	56	and	and	CCONJ
fbem-504	53	57	other	other	ADJ
fbem-504	53	58	financial	financial	ADJ
fbem-504	53	59	institutions	institution	NOUN
fbem-504	53	60	in	in	ADP
fbem-504	53	61	the	the	DET
fbem-504	53	62	examination	examination	NOUN
fbem-504	53	63	and	and	CCONJ
fbem-504	53	64	approval	approval	NOUN
fbem-504	53	65	of	of	ADP
fbem-504	53	66	loan	loan	NOUN
fbem-504	53	67	conditions	condition	NOUN
fbem-504	53	68	can	can	AUX
fbem-504	53	69	not	not	PART
fbem-504	53	70	easily	easily	ADV
fbem-504	53	71	judge	judge	VERB
fbem-504	53	72	whether	whether	SCONJ
fbem-504	53	73	they	they	PRON
fbem-504	53	74	have	have	VERB
fbem-504	53	75	the	the	DET
fbem-504	53	76	ability	ability	NOUN
fbem-504	53	77	to	to	PART
fbem-504	53	78	repay	repay	VERB
fbem-504	53	79	,	,	PUNCT
fbem-504	53	80	only	only	ADV
fbem-504	53	81	after	after	ADP
fbem-504	53	82	investing	invest	VERB
fbem-504	53	83	a	a	DET
fbem-504	53	84	lot	lot	NOUN
fbem-504	53	85	of	of	ADP
fbem-504	53	86	manpower	manpower	NOUN
fbem-504	53	87	and	and	CCONJ
fbem-504	53	88	material	material	NOUN
fbem-504	53	89	resources	resource	NOUN
fbem-504	53	90	can	can	AUX
fbem-504	53	91	the	the	DET
fbem-504	53	92	effective	effective	ADJ
fbem-504	53	93	screening	screening	NOUN
fbem-504	53	94	.	.	PUNCT
fbem-504	54	1	in	in	ADP
fbem-504	54	2	this	this	DET
fbem-504	54	3	situation	situation	NOUN
fbem-504	54	4	,	,	PUNCT
fbem-504	54	5	it	it	PRON
fbem-504	54	6	is	be	AUX
fbem-504	54	7	difficult	difficult	ADJ
fbem-504	54	8	for	for	SCONJ
fbem-504	54	9	banks	bank	NOUN
fbem-504	54	10	to	to	PART
fbem-504	54	11	understand	understand	VERB
fbem-504	54	12	the	the	DET
fbem-504	54	13	authenticity	authenticity	NOUN
fbem-504	54	14	of	of	ADP
fbem-504	54	15	the	the	DET
fbem-504	54	16	capital	capital	NOUN
fbem-504	54	17	demand	demand	NOUN
fbem-504	54	18	of	of	ADP
fbem-504	54	19	small	small	ADJ
fbem-504	54	20	and	and	CCONJ
fbem-504	54	21	medium	medium	ADJ
fbem-504	54	22	-	-	PUNCT
fbem-504	54	23	sized	sized	ADJ
fbem-504	54	24	enterprises	enterprise	NOUN
fbem-504	54	25	and	and	CCONJ
fbem-504	54	26	the	the	DET
fbem-504	54	27	specific	specific	ADJ
fbem-504	54	28	use	use	NOUN
fbem-504	54	29	of	of	ADP
fbem-504	54	30	the	the	DET
fbem-504	54	31	borrowed	borrow	VERB
fbem-504	54	32	funds	fund	NOUN
fbem-504	54	33	.	.	PUNCT
fbem-504	55	1	such	such	ADJ
fbem-504	55	2	information	information	NOUN
fbem-504	55	3	asymmetry	asymmetry	NOUN
fbem-504	55	4	leads	lead	VERB
fbem-504	55	5	to	to	ADP
fbem-504	55	6	increased	increase	VERB
fbem-504	55	7	lending	lending	NOUN
fbem-504	55	8	risks	risk	NOUN
fbem-504	55	9	of	of	ADP
fbem-504	55	10	banks	bank	NOUN
fbem-504	55	11	,	,	PUNCT
fbem-504	55	12	so	so	SCONJ
fbem-504	55	13	they	they	PRON
fbem-504	55	14	often	often	ADV
fbem-504	55	15	choose	choose	VERB
fbem-504	55	16	to	to	PART
fbem-504	55	17	reject	reject	VERB
fbem-504	55	18	the	the	DET
fbem-504	55	19	loan	loan	NOUN
fbem-504	55	20	applications	application	NOUN
fbem-504	55	21	of	of	ADP
fbem-504	55	22	small	small	ADJ
fbem-504	55	23	and	and	CCONJ
fbem-504	55	24	medium	medium	ADJ
fbem-504	55	25	-	-	PUNCT
fbem-504	55	26	sized	sized	ADJ
fbem-504	55	27	enterprises	enterprise	NOUN
fbem-504	55	28	.	.	PUNCT
fbem-504	56	1	sercond	sercond	NOUN
fbem-504	56	2	,	,	PUNCT
fbem-504	56	3	financial	financial	ADJ
fbem-504	56	4	institutions	institution	NOUN
fbem-504	56	5	lack	lack	NOUN
fbem-504	56	6	of	of	ADP
fbem-504	56	7	attention	attention	NOUN
fbem-504	56	8	to	to	ADP
fbem-504	56	9	small	small	ADJ
fbem-504	56	10	and	and	CCONJ
fbem-504	56	11	medium	medium	ADJ
fbem-504	56	12	-	-	PUNCT
fbem-504	56	13	sized	sized	ADJ
fbem-504	56	14	enterprises	enterprise	NOUN
fbem-504	56	15	66	66	NUM
fbem-504	56	16	in	in	ADP
fbem-504	56	17	the	the	DET
fbem-504	56	18	face	face	NOUN
fbem-504	56	19	of	of	ADP
fbem-504	56	20	a	a	DET
fbem-504	56	21	large	large	ADJ
fbem-504	56	22	number	number	NOUN
fbem-504	56	23	of	of	ADP
fbem-504	56	24	small	small	ADJ
fbem-504	56	25	and	and	CCONJ
fbem-504	56	26	medium	medium	ADJ
fbem-504	56	27	-	-	PUNCT
fbem-504	56	28	sized	sized	ADJ
fbem-504	56	29	enterprises	enterprise	NOUN
fbem-504	56	30	,	,	PUNCT
fbem-504	56	31	which	which	PRON
fbem-504	56	32	have	have	AUX
fbem-504	56	33	made	make	VERB
fbem-504	56	34	outstanding	outstanding	ADJ
fbem-504	56	35	contributions	contribution	NOUN
fbem-504	56	36	to	to	ADP
fbem-504	56	37	china	china	PROPN
fbem-504	56	38	's	's	PART
fbem-504	56	39	economic	economic	ADJ
fbem-504	56	40	construction	construction	NOUN
fbem-504	56	41	,	,	PUNCT
fbem-504	56	42	the	the	DET
fbem-504	56	43	matching	matching	NOUN
fbem-504	56	44	degree	degree	NOUN
fbem-504	56	45	of	of	ADP
fbem-504	56	46	financing	financing	NOUN
fbem-504	56	47	products	product	NOUN
fbem-504	56	48	provided	provide	VERB
fbem-504	56	49	by	by	ADP
fbem-504	56	50	financial	financial	ADJ
fbem-504	56	51	institutions	institution	NOUN
fbem-504	56	52	is	be	AUX
fbem-504	56	53	obviously	obviously	ADV
fbem-504	56	54	not	not	PART
fbem-504	56	55	enough	enough	ADJ
fbem-504	56	56	.	.	PUNCT
fbem-504	57	1	no	no	PRON
fbem-504	57	2	matter	matter	NOUN
fbem-504	57	3	in	in	ADP
fbem-504	57	4	terms	term	NOUN
fbem-504	57	5	of	of	ADP
fbem-504	57	6	quantity	quantity	NOUN
fbem-504	57	7	,	,	PUNCT
fbem-504	57	8	distribution	distribution	NOUN
fbem-504	57	9	,	,	PUNCT
fbem-504	57	10	structure	structure	NOUN
fbem-504	57	11	or	or	CCONJ
fbem-504	57	12	type	type	NOUN
fbem-504	57	13	,	,	PUNCT
fbem-504	57	14	the	the	DET
fbem-504	57	15	mismatch	mismatch	NOUN
fbem-504	57	16	between	between	ADP
fbem-504	57	17	supply	supply	NOUN
fbem-504	57	18	and	and	CCONJ
fbem-504	57	19	demand	demand	NOUN
fbem-504	57	20	makes	make	VERB
fbem-504	57	21	small	small	ADJ
fbem-504	57	22	and	and	CCONJ
fbem-504	57	23	medium	medium	ADJ
fbem-504	57	24	-	-	PUNCT
fbem-504	57	25	sized	sized	ADJ
fbem-504	57	26	enterprises	enterprise	NOUN
fbem-504	57	27	face	face	VERB
fbem-504	57	28	the	the	DET
fbem-504	57	29	problems	problem	NOUN
fbem-504	57	30	of	of	ADP
fbem-504	57	31	capital	capital	NOUN
fbem-504	57	32	flow	flow	NOUN
fbem-504	57	33	difficulties	difficulty	NOUN
fbem-504	57	34	and	and	CCONJ
fbem-504	57	35	their	their	PRON
fbem-504	57	36	own	own	ADJ
fbem-504	57	37	development	development	NOUN
fbem-504	57	38	limitations	limitation	NOUN
fbem-504	57	39	.	.	PUNCT
fbem-504	58	1	in	in	ADP
fbem-504	58	2	addition	addition	NOUN
fbem-504	58	3	,	,	PUNCT
fbem-504	58	4	excessive	excessive	ADJ
fbem-504	58	5	financial	financial	ADJ
fbem-504	58	6	institutions	institution	NOUN
fbem-504	58	7	for	for	ADP
fbem-504	58	8	small	small	ADJ
fbem-504	58	9	and	and	CCONJ
fbem-504	58	10	medium	medium	ADJ
fbem-504	58	11	-	-	PUNCT
fbem-504	58	12	sized	sized	ADJ
fbem-504	58	13	enterprise	enterprise	NOUN
fbem-504	58	14	loan	loan	NOUN
fbem-504	58	15	conditions	condition	NOUN
fbem-504	58	16	require	require	VERB
fbem-504	58	17	stack	stack	NOUN
fbem-504	58	18	supporting	support	VERB
fbem-504	58	19	system	system	NOUN
fbem-504	58	20	construction	construction	NOUN
fbem-504	58	21	lag	lag	NOUN
fbem-504	58	22	,	,	PUNCT
fbem-504	58	23	the	the	DET
fbem-504	58	24	risk	risk	NOUN
fbem-504	58	25	is	be	AUX
fbem-504	58	26	too	too	ADV
fbem-504	58	27	concentrated	concentrated	ADJ
fbem-504	58	28	,	,	PUNCT
fbem-504	58	29	credit	credit	NOUN
fbem-504	58	30	guarantee	guarantee	NOUN
fbem-504	58	31	institutions	institution	NOUN
fbem-504	58	32	to	to	PART
fbem-504	58	33	spread	spread	VERB
fbem-504	58	34	risk	risk	NOUN
fbem-504	58	35	,	,	PUNCT
fbem-504	58	36	lead	lead	VERB
fbem-504	58	37	to	to	ADP
fbem-504	58	38	the	the	DET
fbem-504	58	39	survival	survival	NOUN
fbem-504	58	40	difficult	difficult	ADJ
fbem-504	58	41	,	,	PUNCT
fbem-504	58	42	resulting	result	VERB
fbem-504	58	43	in	in	ADP
fbem-504	58	44	the	the	DET
fbem-504	58	45	lack	lack	NOUN
fbem-504	58	46	of	of	ADP
fbem-504	58	47	small	small	ADJ
fbem-504	58	48	and	and	CCONJ
fbem-504	58	49	medium	medium	ADJ
fbem-504	58	50	-	-	PUNCT
fbem-504	58	51	sized	sized	ADJ
fbem-504	58	52	enterprises	enterprise	NOUN
fbem-504	58	53	credit	credit	NOUN
fbem-504	58	54	guarantee	guarantee	NOUN
fbem-504	58	55	system	system	NOUN
fbem-504	58	56	,	,	PUNCT
fbem-504	58	57	financial	financial	ADJ
fbem-504	58	58	institutions	institution	NOUN
fbem-504	58	59	for	for	ADP
fbem-504	58	60	small	small	ADJ
fbem-504	58	61	and	and	CCONJ
fbem-504	58	62	medium	medium	ADJ
fbem-504	58	63	-	-	PUNCT
fbem-504	58	64	sized	sized	ADJ
fbem-504	58	65	enterprise	enterprise	NOUN
fbem-504	58	66	loan	loan	NOUN
fbem-504	58	67	business	business	NOUN
fbem-504	58	68	shrinking	shrinking	NOUN
fbem-504	58	69	.	.	PUNCT
fbem-504	59	1	4	4	X
fbem-504	59	2	.	.	NOUN
fbem-504	59	3	ways	way	NOUN
fbem-504	59	4	for	for	SCONJ
fbem-504	59	5	fintech	fintech	NOUN
fbem-504	59	6	to	to	PART
fbem-504	59	7	help	help	VERB
fbem-504	59	8	small	small	ADJ
fbem-504	59	9	and	and	CCONJ
fbem-504	59	10	medium	medium	ADJ
fbem-504	59	11	-	-	PUNCT
fbem-504	59	12	sized	sized	ADJ
fbem-504	59	13	enterprises	enterprise	NOUN
fbem-504	59	14	solve	solve	VERB
fbem-504	59	15	their	their	PRON
fbem-504	59	16	financing	financing	NOUN
fbem-504	59	17	difficulties	difficulty	NOUN
fbem-504	59	18	fintech	fintech	NOUN
fbem-504	59	19	provides	provide	VERB
fbem-504	59	20	new	new	ADJ
fbem-504	59	21	ideas	idea	NOUN
fbem-504	59	22	to	to	PART
fbem-504	59	23	solve	solve	VERB
fbem-504	59	24	the	the	DET
fbem-504	59	25	financing	financing	NOUN
fbem-504	59	26	difficulties	difficulty	NOUN
fbem-504	59	27	of	of	ADP
fbem-504	59	28	small	small	ADJ
fbem-504	59	29	and	and	CCONJ
fbem-504	59	30	medium	medium	ADJ
fbem-504	59	31	-	-	PUNCT
fbem-504	59	32	sized	sized	ADJ
fbem-504	59	33	enterprises	enterprise	NOUN
fbem-504	59	34	,	,	PUNCT
fbem-504	59	35	mainly	mainly	ADV
fbem-504	59	36	in	in	ADP
fbem-504	59	37	the	the	DET
fbem-504	59	38	following	follow	VERB
fbem-504	59	39	three	three	NUM
fbem-504	59	40	ways	way	NOUN
fbem-504	59	41	.	.	PUNCT
fbem-504	60	1	4.1	4.1	NUM
fbem-504	60	2	.	.	PUNCT
fbem-504	61	1	expand	expand	VERB
fbem-504	61	2	financing	financing	NOUN
fbem-504	61	3	channels	channel	NOUN
fbem-504	61	4	4.1.1	4.1.1	NUM
fbem-504	61	5	.	.	PUNCT
fbem-504	62	1	online	online	ADJ
fbem-504	62	2	lending	lending	NOUN
fbem-504	62	3	and	and	CCONJ
fbem-504	62	4	financing	finance	VERB
fbem-504	62	5	online	online	ADJ
fbem-504	62	6	lending	lending	NOUN
fbem-504	62	7	platforms	platform	NOUN
fbem-504	62	8	carry	carry	VERB
fbem-504	62	9	out	out	ADP
fbem-504	62	10	financial	financial	ADJ
fbem-504	62	11	services	service	NOUN
fbem-504	62	12	such	such	ADJ
fbem-504	62	13	as	as	ADP
fbem-504	62	14	financing	financing	NOUN
fbem-504	62	15	investment	investment	NOUN
fbem-504	62	16	and	and	CCONJ
fbem-504	62	17	credit	credit	NOUN
fbem-504	62	18	through	through	ADP
fbem-504	62	19	mobile	mobile	ADJ
fbem-504	62	20	internet	internet	NOUN
fbem-504	62	21	technology	technology	NOUN
fbem-504	62	22	,	,	PUNCT
fbem-504	62	23	providing	provide	VERB
fbem-504	62	24	small	small	ADJ
fbem-504	62	25	and	and	CCONJ
fbem-504	62	26	medium	medium	ADJ
fbem-504	62	27	-	-	PUNCT
fbem-504	62	28	sized	sized	ADJ
fbem-504	62	29	enterprises	enterprise	NOUN
fbem-504	62	30	with	with	ADP
fbem-504	62	31	a	a	DET
fbem-504	62	32	convenient	convenient	ADJ
fbem-504	62	33	and	and	CCONJ
fbem-504	62	34	fast	fast	ADJ
fbem-504	62	35	financing	financing	NOUN
fbem-504	62	36	channel	channel	NOUN
fbem-504	62	37	with	with	ADP
fbem-504	62	38	low	low	ADJ
fbem-504	62	39	threshold	threshold	NOUN
fbem-504	62	40	.	.	PUNCT
fbem-504	63	1	taking	take	VERB
fbem-504	63	2	p2p	p2p	NOUN
fbem-504	63	3	as	as	ADP
fbem-504	63	4	an	an	DET
fbem-504	63	5	example	example	NOUN
fbem-504	63	6	,	,	PUNCT
fbem-504	63	7	small	small	ADJ
fbem-504	63	8	and	and	CCONJ
fbem-504	63	9	mediumsized	mediumsized	ADJ
fbem-504	63	10	enterprises	enterprise	NOUN
fbem-504	63	11	can	can	AUX
fbem-504	63	12	complete	complete	VERB
fbem-504	63	13	the	the	DET
fbem-504	63	14	process	process	NOUN
fbem-504	63	15	of	of	ADP
fbem-504	63	16	authentication	authentication	NOUN
fbem-504	63	17	,	,	PUNCT
fbem-504	63	18	bookkeeping	bookkeeping	NOUN
fbem-504	63	19	,	,	PUNCT
fbem-504	63	20	clearing	clearing	NOUN
fbem-504	63	21	and	and	CCONJ
fbem-504	63	22	delivery	delivery	NOUN
fbem-504	63	23	through	through	ADP
fbem-504	63	24	the	the	DET
fbem-504	63	25	network	network	NOUN
fbem-504	63	26	.	.	PUNCT
fbem-504	64	1	the	the	DET
fbem-504	64	2	specific	specific	ADJ
fbem-504	64	3	mode	mode	NOUN
fbem-504	64	4	is	be	AUX
fbem-504	64	5	peer	peer	NOUN
fbem-504	64	6	-	-	PUNCT
fbem-504	64	7	to	to	ADP
fbem-504	64	8	-	-	PUNCT
fbem-504	64	9	peer	peer	NOUN
fbem-504	64	10	financing	financing	NOUN
fbem-504	64	11	,	,	PUNCT
fbem-504	64	12	that	that	ADV
fbem-504	64	13	is	is	ADV
fbem-504	64	14	,	,	PUNCT
fbem-504	64	15	investors	investor	NOUN
fbem-504	64	16	offer	offer	VERB
fbem-504	64	17	loans	loan	NOUN
fbem-504	64	18	to	to	ADP
fbem-504	64	19	small	small	ADJ
fbem-504	64	20	and	and	CCONJ
fbem-504	64	21	medium	medium	ADJ
fbem-504	64	22	-	-	PUNCT
fbem-504	64	23	sized	sized	ADJ
fbem-504	64	24	enterprises	enterprise	NOUN
fbem-504	64	25	through	through	ADP
fbem-504	64	26	bidding	bidding	NOUN
fbem-504	64	27	after	after	ADP
fbem-504	64	28	issuing	issue	VERB
fbem-504	64	29	loan	loan	NOUN
fbem-504	64	30	bids	bid	NOUN
fbem-504	64	31	,	,	PUNCT
fbem-504	64	32	and	and	CCONJ
fbem-504	64	33	multiple	multiple	ADJ
fbem-504	64	34	lenders	lender	NOUN
fbem-504	64	35	jointly	jointly	ADV
fbem-504	64	36	contribute	contribute	VERB
fbem-504	64	37	capital	capital	NOUN
fbem-504	64	38	to	to	PART
fbem-504	64	39	solve	solve	VERB
fbem-504	64	40	the	the	DET
fbem-504	64	41	corresponding	corresponding	ADJ
fbem-504	64	42	financing	financing	NOUN
fbem-504	64	43	needs	need	NOUN
fbem-504	64	44	.	.	PUNCT
fbem-504	65	1	4.1.2	4.1.2	X
fbem-504	65	2	.	.	PUNCT
fbem-504	65	3	internet	internet	NOUN
fbem-504	65	4	crowdfunding	crowdfunding	NOUN
fbem-504	65	5	crowdfunding	crowdfunding	NOUN
fbem-504	65	6	utilizes	utilize	VERB
fbem-504	65	7	the	the	DET
fbem-504	65	8	communication	communication	NOUN
fbem-504	65	9	characteristics	characteristic	NOUN
fbem-504	65	10	of	of	ADP
fbem-504	65	11	the	the	DET
fbem-504	65	12	internet	internet	NOUN
fbem-504	65	13	and	and	CCONJ
fbem-504	65	14	social	social	ADJ
fbem-504	65	15	network	network	NOUN
fbem-504	65	16	services	service	NOUN
fbem-504	65	17	to	to	PART
fbem-504	65	18	give	give	VERB
fbem-504	65	19	full	full	ADJ
fbem-504	65	20	play	play	NOUN
fbem-504	65	21	to	to	ADP
fbem-504	65	22	the	the	DET
fbem-504	65	23	power	power	NOUN
fbem-504	65	24	of	of	ADP
fbem-504	65	25	the	the	DET
fbem-504	65	26	masses	masse	NOUN
fbem-504	65	27	,	,	PUNCT
fbem-504	65	28	helping	help	VERB
fbem-504	65	29	small	small	ADJ
fbem-504	65	30	and	and	CCONJ
fbem-504	65	31	medium	medium	ADJ
fbem-504	65	32	-	-	PUNCT
fbem-504	65	33	sized	sized	ADJ
fbem-504	65	34	enterprises	enterprise	NOUN
fbem-504	65	35	raise	raise	VERB
fbem-504	65	36	funds	fund	NOUN
fbem-504	65	37	in	in	ADP
fbem-504	65	38	the	the	DET
fbem-504	65	39	form	form	NOUN
fbem-504	65	40	of	of	ADP
fbem-504	65	41	group	group	NOUN
fbem-504	65	42	purchase	purchase	NOUN
fbem-504	65	43	plus	plus	CCONJ
fbem-504	65	44	prepurchase	prepurchase	NOUN
fbem-504	65	45	.	.	PUNCT
fbem-504	66	1	at	at	ADP
fbem-504	66	2	present	present	ADJ
fbem-504	66	3	,	,	PUNCT
fbem-504	66	4	there	there	PRON
fbem-504	66	5	are	be	VERB
fbem-504	66	6	four	four	NUM
fbem-504	66	7	kinds	kind	NOUN
fbem-504	66	8	of	of	ADP
fbem-504	66	9	crowdfunding	crowdfunding	NOUN
fbem-504	66	10	methods	method	NOUN
fbem-504	66	11	:	:	PUNCT
fbem-504	66	12	one	one	NUM
fbem-504	66	13	is	be	AUX
fbem-504	66	14	donation	donation	NOUN
fbem-504	66	15	-	-	PUNCT
fbem-504	66	16	based	base	VERB
fbem-504	66	17	crowdfunding	crowdfunding	NOUN
fbem-504	66	18	,	,	PUNCT
fbem-504	66	19	in	in	ADP
fbem-504	66	20	which	which	PRON
fbem-504	66	21	investors	investor	NOUN
fbem-504	66	22	donate	donate	VERB
fbem-504	66	23	to	to	ADP
fbem-504	66	24	enterprises	enterprise	NOUN
fbem-504	66	25	or	or	CCONJ
fbem-504	66	26	projects	project	NOUN
fbem-504	66	27	for	for	ADP
fbem-504	66	28	free	free	ADJ
fbem-504	66	29	;	;	PUNCT
fbem-504	66	30	the	the	DET
fbem-504	66	31	second	second	NOUN
fbem-504	66	32	is	be	AUX
fbem-504	66	33	return	return	NOUN
fbem-504	66	34	-	-	PUNCT
fbem-504	66	35	based	base	VERB
fbem-504	66	36	crowdfunding	crowdfunding	NOUN
fbem-504	66	37	,	,	PUNCT
fbem-504	66	38	in	in	ADP
fbem-504	66	39	which	which	PRON
fbem-504	66	40	investors	investor	NOUN
fbem-504	66	41	exchange	exchange	VERB
fbem-504	66	42	their	their	PRON
fbem-504	66	43	capital	capital	NOUN
fbem-504	66	44	for	for	ADP
fbem-504	66	45	vouchers	voucher	NOUN
fbem-504	66	46	or	or	CCONJ
fbem-504	66	47	products	product	NOUN
fbem-504	66	48	and	and	CCONJ
fbem-504	66	49	services	service	NOUN
fbem-504	66	50	in	in	ADP
fbem-504	66	51	return	return	NOUN
fbem-504	66	52	.	.	PUNCT
fbem-504	67	1	third	third	ADV
fbem-504	67	2	,	,	PUNCT
fbem-504	67	3	the	the	DET
fbem-504	67	4	crowdfunding	crowdfunding	NOUN
fbem-504	67	5	is	be	AUX
fbem-504	67	6	based	base	VERB
fbem-504	67	7	on	on	ADP
fbem-504	67	8	creditor	creditor	NOUN
fbem-504	67	9	's	's	PART
fbem-504	67	10	rights	right	NOUN
fbem-504	67	11	.	.	PUNCT
fbem-504	68	1	after	after	ADP
fbem-504	68	2	receiving	receive	VERB
fbem-504	68	3	the	the	DET
fbem-504	68	4	debt	debt	NOUN
fbem-504	68	5	investment	investment	NOUN
fbem-504	68	6	certificate	certificate	NOUN
fbem-504	68	7	,	,	PUNCT
fbem-504	68	8	investors	investor	NOUN
fbem-504	68	9	can	can	AUX
fbem-504	68	10	obtain	obtain	VERB
fbem-504	68	11	the	the	DET
fbem-504	68	12	principal	principal	NOUN
fbem-504	68	13	and	and	CCONJ
fbem-504	68	14	corresponding	corresponding	ADJ
fbem-504	68	15	interest	interest	NOUN
fbem-504	68	16	in	in	ADP
fbem-504	68	17	the	the	DET
fbem-504	68	18	future	future	NOUN
fbem-504	68	19	.	.	PUNCT
fbem-504	69	1	fourth	fourth	ADJ
fbem-504	69	2	,	,	PUNCT
fbem-504	69	3	equity	equity	NOUN
fbem-504	69	4	-	-	PUNCT
fbem-504	69	5	based	base	VERB
fbem-504	69	6	crowdfunding	crowdfunding	NOUN
fbem-504	69	7	allows	allow	VERB
fbem-504	69	8	investors	investor	NOUN
fbem-504	69	9	to	to	PART
fbem-504	69	10	obtain	obtain	VERB
fbem-504	69	11	a	a	DET
fbem-504	69	12	certain	certain	ADJ
fbem-504	69	13	proportion	proportion	NOUN
fbem-504	69	14	of	of	ADP
fbem-504	69	15	equity	equity	NOUN
fbem-504	69	16	and	and	CCONJ
fbem-504	69	17	equity	equity	NOUN
fbem-504	69	18	returns	return	NOUN
fbem-504	69	19	.	.	PUNCT
fbem-504	70	1	4.1.3	4.1.3	X
fbem-504	70	2	.	.	X
fbem-504	71	1	e	e	X
fbem-504	71	2	-	-	NOUN
fbem-504	71	3	commerce	commerce	ADJ
fbem-504	71	4	small	small	ADJ
fbem-504	71	5	credit	credit	NOUN
fbem-504	71	6	loan	loan	NOUN
fbem-504	71	7	financing	finance	VERB
fbem-504	71	8	big	big	ADJ
fbem-504	71	9	data	datum	NOUN
fbem-504	71	10	and	and	CCONJ
fbem-504	71	11	cloud	cloud	NOUN
fbem-504	71	12	computing	computing	NOUN
fbem-504	71	13	is	be	AUX
fbem-504	71	14	one	one	NUM
fbem-504	71	15	of	of	ADP
fbem-504	71	16	the	the	DET
fbem-504	71	17	main	main	ADJ
fbem-504	71	18	features	feature	NOUN
fbem-504	71	19	of	of	ADP
fbem-504	71	20	the	the	DET
fbem-504	71	21	internet	internet	NOUN
fbem-504	71	22	technology	technology	NOUN
fbem-504	71	23	,	,	PUNCT
fbem-504	71	24	combined	combine	VERB
fbem-504	71	25	with	with	ADP
fbem-504	71	26	electric	electric	ADJ
fbem-504	71	27	business	business	NOUN
fbem-504	71	28	platform	platform	NOUN
fbem-504	71	29	very	very	ADV
fbem-504	71	30	closely	closely	ADV
fbem-504	71	31	,	,	PUNCT
fbem-504	71	32	small	small	ADJ
fbem-504	71	33	electric	electric	ADJ
fbem-504	71	34	business	business	NOUN
fbem-504	71	35	credit	credit	NOUN
fbem-504	71	36	is	be	AUX
fbem-504	71	37	based	base	VERB
fbem-504	71	38	on	on	ADP
fbem-504	71	39	a	a	DET
fbem-504	71	40	large	large	ADJ
fbem-504	71	41	amount	amount	NOUN
fbem-504	71	42	of	of	ADP
fbem-504	71	43	data	datum	NOUN
fbem-504	71	44	platform	platform	NOUN
fbem-504	71	45	,	,	PUNCT
fbem-504	71	46	for	for	ADP
fbem-504	71	47	small	small	ADJ
fbem-504	71	48	and	and	CCONJ
fbem-504	71	49	mediumsized	mediumsized	ADJ
fbem-504	71	50	enterprises	enterprise	NOUN
fbem-504	71	51	for	for	ADP
fbem-504	71	52	the	the	DET
fbem-504	71	53	analysis	analysis	NOUN
fbem-504	71	54	of	of	ADP
fbem-504	71	55	clients	client	NOUN
fbem-504	71	56	'	'	PART
fbem-504	71	57	money	money	NOUN
fbem-504	71	58	to	to	ADP
fbem-504	71	59	and	and	CCONJ
fbem-504	71	60	trade	trade	NOUN
fbem-504	71	61	preferences	preference	NOUN
fbem-504	71	62	,	,	PUNCT
fbem-504	71	63	collect	collect	VERB
fbem-504	71	64	payment	payment	NOUN
fbem-504	71	65	information	information	NOUN
fbem-504	71	66	and	and	CCONJ
fbem-504	71	67	credit	credit	NOUN
fbem-504	71	68	evaluation	evaluation	NOUN
fbem-504	71	69	,	,	PUNCT
fbem-504	71	70	capital	capital	NOUN
fbem-504	71	71	requirements	requirement	NOUN
fbem-504	71	72	and	and	CCONJ
fbem-504	71	73	to	to	PART
fbem-504	71	74	provide	provide	VERB
fbem-504	71	75	customers	customer	NOUN
fbem-504	71	76	services	service	NOUN
fbem-504	71	77	.	.	PUNCT
fbem-504	72	1	credit	credit	NOUN
fbem-504	72	2	loans	loan	NOUN
fbem-504	72	3	on	on	ADP
fbem-504	72	4	e	e	NOUN
fbem-504	72	5	-	-	NOUN
fbem-504	72	6	commerce	commerce	NOUN
fbem-504	72	7	platforms	platform	NOUN
fbem-504	72	8	have	have	VERB
fbem-504	72	9	rich	rich	ADJ
fbem-504	72	10	sources	source	NOUN
fbem-504	72	11	of	of	ADP
fbem-504	72	12	funds	fund	NOUN
fbem-504	72	13	,	,	PUNCT
fbem-504	72	14	flexible	flexible	ADJ
fbem-504	72	15	lending	lending	NOUN
fbem-504	72	16	and	and	CCONJ
fbem-504	72	17	can	can	AUX
fbem-504	72	18	effectively	effectively	ADV
fbem-504	72	19	shorten	shorten	VERB
fbem-504	72	20	the	the	DET
fbem-504	72	21	approval	approval	NOUN
fbem-504	72	22	time	time	NOUN
fbem-504	72	23	,	,	PUNCT
fbem-504	72	24	which	which	PRON
fbem-504	72	25	is	be	AUX
fbem-504	72	26	an	an	DET
fbem-504	72	27	innovation	innovation	NOUN
fbem-504	72	28	of	of	ADP
fbem-504	72	29	traditional	traditional	ADJ
fbem-504	72	30	bank	bank	NOUN
fbem-504	72	31	credit	credit	NOUN
fbem-504	72	32	.	.	PUNCT
fbem-504	73	1	typical	typical	ADJ
fbem-504	73	2	e	e	NOUN
fbem-504	73	3	-	-	NOUN
fbem-504	73	4	commerce	commerce	NOUN
fbem-504	73	5	platforms	platform	NOUN
fbem-504	73	6	include	include	VERB
fbem-504	73	7	alixiaodai	alixiaodai	PROPN
fbem-504	73	8	,	,	PUNCT
fbem-504	73	9	jingdong	jingdong	ADP
fbem-504	73	10	xiaodai	xiaodai	PROPN
fbem-504	73	11	,	,	PUNCT
fbem-504	73	12	huicong.com	huicong.com	X
fbem-504	73	13	and	and	CCONJ
fbem-504	73	14	dunhuang	dunhuang	PROPN
fbem-504	73	15	.	.	PUNCT
fbem-504	74	1	4.2	4.2	NUM
fbem-504	74	2	.	.	PUNCT
fbem-504	74	3	reduce	reduce	VERB
fbem-504	74	4	financing	financing	NOUN
fbem-504	74	5	costs	cost	NOUN
fbem-504	74	6	first	first	ADV
fbem-504	74	7	,	,	PUNCT
fbem-504	74	8	compared	compare	VERB
fbem-504	74	9	with	with	ADP
fbem-504	74	10	traditional	traditional	ADJ
fbem-504	74	11	loan	loan	NOUN
fbem-504	74	12	methods	method	NOUN
fbem-504	74	13	,	,	PUNCT
fbem-504	74	14	online	online	ADJ
fbem-504	74	15	channel	channel	NOUN
fbem-504	74	16	financing	financing	NOUN
fbem-504	74	17	under	under	ADP
fbem-504	74	18	fintech	fintech	NOUN
fbem-504	74	19	is	be	AUX
fbem-504	74	20	unsecured	unsecured	ADJ
fbem-504	74	21	loan	loan	NOUN
fbem-504	74	22	,	,	PUNCT
fbem-504	74	23	and	and	CCONJ
fbem-504	74	24	since	since	SCONJ
fbem-504	74	25	it	it	PRON
fbem-504	74	26	is	be	AUX
fbem-504	74	27	conducted	conduct	VERB
fbem-504	74	28	on	on	ADP
fbem-504	74	29	the	the	DET
fbem-504	74	30	internet	internet	NOUN
fbem-504	74	31	,	,	PUNCT
fbem-504	74	32	small	small	ADJ
fbem-504	74	33	and	and	CCONJ
fbem-504	74	34	medium	medium	ADJ
fbem-504	74	35	-	-	PUNCT
fbem-504	74	36	sized	sized	ADJ
fbem-504	74	37	enterprises	enterprise	NOUN
fbem-504	74	38	can	can	AUX
fbem-504	74	39	freely	freely	ADV
fbem-504	74	40	choose	choose	VERB
fbem-504	74	41	the	the	DET
fbem-504	74	42	appropriate	appropriate	ADJ
fbem-504	74	43	loan	loan	NOUN
fbem-504	74	44	platform	platform	NOUN
fbem-504	74	45	and	and	CCONJ
fbem-504	74	46	loan	loan	NOUN
fbem-504	74	47	interest	interest	NOUN
fbem-504	74	48	rate.in	rate.in	PROPN
fbem-504	74	49	addition	addition	NOUN
fbem-504	74	50	,	,	PUNCT
fbem-504	74	51	the	the	DET
fbem-504	74	52	products	product	NOUN
fbem-504	74	53	of	of	ADP
fbem-504	74	54	online	online	ADJ
fbem-504	74	55	lending	lending	NOUN
fbem-504	74	56	platforms	platform	NOUN
fbem-504	74	57	have	have	VERB
fbem-504	74	58	high	high	ADJ
fbem-504	74	59	compound	compound	ADJ
fbem-504	74	60	annual	annual	ADJ
fbem-504	74	61	returns	return	NOUN
fbem-504	74	62	,	,	PUNCT
fbem-504	74	63	often	often	ADV
fbem-504	74	64	more	more	ADJ
fbem-504	74	65	than	than	ADP
fbem-504	74	66	20	20	NUM
fbem-504	74	67	%	%	NOUN
fbem-504	74	68	,	,	PUNCT
fbem-504	74	69	which	which	PRON
fbem-504	74	70	can	can	AUX
fbem-504	74	71	not	not	PART
fbem-504	74	72	be	be	AUX
fbem-504	74	73	compared	compare	VERB
fbem-504	74	74	with	with	ADP
fbem-504	74	75	the	the	DET
fbem-504	74	76	annual	annual	ADJ
fbem-504	74	77	interest	interest	NOUN
fbem-504	74	78	rates	rate	NOUN
fbem-504	74	79	of	of	ADP
fbem-504	74	80	ordinary	ordinary	ADJ
fbem-504	74	81	banks	bank	NOUN
fbem-504	74	82	,	,	PUNCT
fbem-504	74	83	financial	financial	ADJ
fbem-504	74	84	products	product	NOUN
fbem-504	74	85	and	and	CCONJ
fbem-504	74	86	trust	trust	NOUN
fbem-504	74	87	investments	investment	NOUN
fbem-504	74	88	,	,	PUNCT
fbem-504	74	89	thus	thus	ADV
fbem-504	74	90	effectively	effectively	ADV
fbem-504	74	91	reducing	reduce	VERB
fbem-504	74	92	the	the	DET
fbem-504	74	93	financing	financing	NOUN
fbem-504	74	94	cost	cost	NOUN
fbem-504	74	95	.	.	PUNCT
fbem-504	75	1	second	second	ADJ
fbem-504	75	2	,	,	PUNCT
fbem-504	75	3	in	in	ADP
fbem-504	75	4	the	the	DET
fbem-504	75	5	absence	absence	NOUN
fbem-504	75	6	of	of	ADP
fbem-504	75	7	guarantee	guarantee	NOUN
fbem-504	75	8	for	for	ADP
fbem-504	75	9	smes	sme	NOUN
fbem-504	75	10	'	'	PART
fbem-504	75	11	financing	financing	NOUN
fbem-504	75	12	,	,	PUNCT
fbem-504	75	13	big	big	ADJ
fbem-504	75	14	data	datum	NOUN
fbem-504	75	15	and	and	CCONJ
fbem-504	75	16	other	other	ADJ
fbem-504	75	17	enterprise	enterprise	NOUN
fbem-504	75	18	information	information	NOUN
fbem-504	75	19	inquiry	inquiry	NOUN
fbem-504	75	20	technologies	technology	NOUN
fbem-504	75	21	can	can	AUX
fbem-504	75	22	support	support	VERB
fbem-504	75	23	credit	credit	NOUN
fbem-504	75	24	,	,	PUNCT
fbem-504	75	25	make	make	VERB
fbem-504	75	26	financial	financial	ADJ
fbem-504	75	27	markets	market	NOUN
fbem-504	75	28	relatively	relatively	ADV
fbem-504	75	29	fair	fair	ADJ
fbem-504	75	30	and	and	CCONJ
fbem-504	75	31	reduce	reduce	VERB
fbem-504	75	32	search	search	NOUN
fbem-504	75	33	costs	cost	NOUN
fbem-504	75	34	for	for	ADP
fbem-504	75	35	loan	loan	NOUN
fbem-504	75	36	providers	provider	NOUN
fbem-504	75	37	such	such	ADJ
fbem-504	75	38	as	as	ADP
fbem-504	75	39	banks	bank	NOUN
fbem-504	75	40	.	.	PUNCT
fbem-504	76	1	at	at	ADP
fbem-504	76	2	the	the	DET
fbem-504	76	3	same	same	ADJ
fbem-504	76	4	time	time	NOUN
fbem-504	76	5	,	,	PUNCT
fbem-504	76	6	most	most	ADJ
fbem-504	76	7	of	of	ADP
fbem-504	76	8	the	the	DET
fbem-504	76	9	credit	credit	NOUN
fbem-504	76	10	process	process	NOUN
fbem-504	76	11	under	under	ADP
fbem-504	76	12	fintech	fintech	NOUN
fbem-504	76	13	is	be	AUX
fbem-504	76	14	carried	carry	VERB
fbem-504	76	15	out	out	ADP
fbem-504	76	16	online	online	ADJ
fbem-504	76	17	system	system	NOUN
fbem-504	76	18	,	,	PUNCT
fbem-504	76	19	which	which	PRON
fbem-504	76	20	can	can	AUX
fbem-504	76	21	effectively	effectively	ADV
fbem-504	76	22	reduce	reduce	VERB
fbem-504	76	23	the	the	DET
fbem-504	76	24	cost	cost	NOUN
fbem-504	76	25	of	of	ADP
fbem-504	76	26	offline	offline	ADJ
fbem-504	76	27	sorting	sorting	NOUN
fbem-504	76	28	,	,	PUNCT
fbem-504	76	29	submission	submission	NOUN
fbem-504	76	30	and	and	CCONJ
fbem-504	76	31	approval	approval	NOUN
fbem-504	76	32	.	.	PUNCT
fbem-504	77	1	in	in	ADP
fbem-504	77	2	terms	term	NOUN
fbem-504	77	3	of	of	ADP
fbem-504	77	4	cost	cost	NOUN
fbem-504	77	5	sharing	sharing	NOUN
fbem-504	77	6	,	,	PUNCT
fbem-504	77	7	reducing	reduce	VERB
fbem-504	77	8	the	the	DET
fbem-504	77	9	cost	cost	NOUN
fbem-504	77	10	of	of	ADP
fbem-504	77	11	banks	bank	NOUN
fbem-504	77	12	and	and	CCONJ
fbem-504	77	13	other	other	ADJ
fbem-504	77	14	financial	financial	ADJ
fbem-504	77	15	institutions	institution	NOUN
fbem-504	77	16	also	also	ADV
fbem-504	77	17	reduces	reduce	VERB
fbem-504	77	18	the	the	DET
fbem-504	77	19	financing	financing	NOUN
fbem-504	77	20	cost	cost	NOUN
fbem-504	77	21	of	of	ADP
fbem-504	77	22	small	small	ADJ
fbem-504	77	23	and	and	CCONJ
fbem-504	77	24	medium	medium	ADJ
fbem-504	77	25	-	-	PUNCT
fbem-504	77	26	sized	sized	ADJ
fbem-504	77	27	enterprises	enterprise	NOUN
fbem-504	77	28	.	.	PUNCT
fbem-504	78	1	third	third	ADV
fbem-504	78	2	,	,	PUNCT
fbem-504	78	3	blockchain	blockchain	PROPN
fbem-504	78	4	digital	digital	PROPN
fbem-504	78	5	technology	technology	PROPN
fbem-504	78	6	can	can	AUX
fbem-504	78	7	combine	combine	VERB
fbem-504	78	8	big	big	ADJ
fbem-504	78	9	data	datum	NOUN
fbem-504	78	10	,	,	PUNCT
fbem-504	78	11	ai	ai	VERB
fbem-504	78	12	artificial	artificial	ADJ
fbem-504	78	13	intelligence	intelligence	NOUN
fbem-504	78	14	technology	technology	NOUN
fbem-504	78	15	,	,	PUNCT
fbem-504	78	16	etc	etc	X
fbem-504	78	17	.	.	X
fbem-504	78	18	,	,	PUNCT
fbem-504	78	19	and	and	CCONJ
fbem-504	78	20	make	make	VERB
fbem-504	78	21	use	use	NOUN
fbem-504	78	22	of	of	ADP
fbem-504	78	23	its	its	PRON
fbem-504	78	24	time	time	NOUN
fbem-504	78	25	stamp	stamp	NOUN
fbem-504	78	26	,	,	PUNCT
fbem-504	78	27	consensus	consensus	NOUN
fbem-504	78	28	mechanism	mechanism	NOUN
fbem-504	78	29	and	and	CCONJ
fbem-504	78	30	immutable	immutable	ADJ
fbem-504	78	31	characteristics	characteristic	NOUN
fbem-504	78	32	to	to	PART
fbem-504	78	33	ensure	ensure	VERB
fbem-504	78	34	the	the	DET
fbem-504	78	35	connection	connection	NOUN
fbem-504	78	36	of	of	ADP
fbem-504	78	37	pre	pre	ADJ
fbem-504	78	38	-	-	ADJ
fbem-504	78	39	loan	loan	ADJ
fbem-504	78	40	application	application	NOUN
fbem-504	78	41	,	,	PUNCT
fbem-504	78	42	in	in	ADP
fbem-504	78	43	-	-	PUNCT
fbem-504	78	44	loan	loan	NOUN
fbem-504	78	45	loan	loan	NOUN
fbem-504	78	46	and	and	CCONJ
fbem-504	78	47	post	post	ADJ
fbem-504	78	48	-	-	ADJ
fbem-504	78	49	loan	loan	ADJ
fbem-504	78	50	management	management	NOUN
fbem-504	78	51	between	between	ADP
fbem-504	78	52	enterprises	enterprise	NOUN
fbem-504	78	53	and	and	CCONJ
fbem-504	78	54	financial	financial	ADJ
fbem-504	78	55	institutions	institution	NOUN
fbem-504	78	56	,	,	PUNCT
fbem-504	78	57	so	so	SCONJ
fbem-504	78	58	as	as	SCONJ
fbem-504	78	59	to	to	PART
fbem-504	78	60	reduce	reduce	VERB
fbem-504	78	61	additional	additional	ADJ
fbem-504	78	62	business	business	NOUN
fbem-504	78	63	costs	cost	NOUN
fbem-504	78	64	and	and	CCONJ
fbem-504	78	65	risk	risk	NOUN
fbem-504	78	66	control	control	NOUN
fbem-504	78	67	costs	cost	NOUN
fbem-504	78	68	in	in	ADP
fbem-504	78	69	the	the	DET
fbem-504	78	70	financing	financing	NOUN
fbem-504	78	71	process	process	NOUN
fbem-504	78	72	.	.	PUNCT
fbem-504	79	1	4.3	4.3	NUM
fbem-504	79	2	.	.	PUNCT
fbem-504	79	3	reduce	reduce	VERB
fbem-504	79	4	information	information	NOUN
fbem-504	79	5	asymmetry	asymmetry	NOUN
fbem-504	79	6	4.3.1	4.3.1	X
fbem-504	79	7	.	.	PUNCT
fbem-504	79	8	electronic	electronic	ADJ
fbem-504	79	9	invoice	invoice	NOUN
fbem-504	79	10	technology	technology	NOUN
fbem-504	79	11	under	under	ADP
fbem-504	79	12	the	the	DET
fbem-504	79	13	electronic	electronic	ADJ
fbem-504	79	14	invoice	invoice	NOUN
fbem-504	79	15	technology	technology	NOUN
fbem-504	79	16	,	,	PUNCT
fbem-504	79	17	the	the	DET
fbem-504	79	18	invoice	invoice	NOUN
fbem-504	79	19	data	datum	NOUN
fbem-504	79	20	are	be	AUX
fbem-504	79	21	fully	fully	ADV
fbem-504	79	22	electronic	electronic	ADJ
fbem-504	79	23	,	,	PUNCT
fbem-504	79	24	which	which	PRON
fbem-504	79	25	can	can	AUX
fbem-504	79	26	be	be	AUX
fbem-504	79	27	combined	combine	VERB
fbem-504	79	28	with	with	ADP
fbem-504	79	29	the	the	DET
fbem-504	79	30	internal	internal	ADJ
fbem-504	79	31	system	system	NOUN
fbem-504	79	32	of	of	ADP
fbem-504	79	33	small	small	ADJ
fbem-504	79	34	and	and	CCONJ
fbem-504	79	35	medium	medium	ADJ
fbem-504	79	36	-	-	PUNCT
fbem-504	79	37	sized	sized	ADJ
fbem-504	79	38	enterprises	enterprise	NOUN
fbem-504	79	39	to	to	PART
fbem-504	79	40	resolve	resolve	VERB
fbem-504	79	41	the	the	DET
fbem-504	79	42	common	common	ADJ
fbem-504	79	43	crisis	crisis	NOUN
fbem-504	79	44	of	of	ADP
fbem-504	79	45	trust	trust	NOUN
fbem-504	79	46	in	in	ADP
fbem-504	79	47	financial	financial	ADJ
fbem-504	79	48	statements	statement	NOUN
fbem-504	79	49	,	,	PUNCT
fbem-504	79	50	such	such	ADJ
fbem-504	79	51	as	as	ADP
fbem-504	79	52	the	the	DET
fbem-504	79	53	crisis	crisis	NOUN
fbem-504	79	54	caused	cause	VERB
fbem-504	79	55	by	by	ADP
fbem-504	79	56	authenticity	authenticity	NOUN
fbem-504	79	57	and	and	CCONJ
fbem-504	79	58	timeliness	timeliness	NOUN
fbem-504	79	59	.	.	PUNCT
fbem-504	80	1	to	to	PART
fbem-504	80	2	tax	tax	VERB
fbem-504	80	3	electronic	electronic	ADJ
fbem-504	80	4	invoices	invoice	NOUN
fbem-504	80	5	,	,	PUNCT
fbem-504	80	6	for	for	ADP
fbem-504	80	7	example	example	NOUN
fbem-504	80	8	,	,	PUNCT
fbem-504	80	9	in	in	ADP
fbem-504	80	10	theory	theory	NOUN
fbem-504	80	11	,	,	PUNCT
fbem-504	80	12	will	will	AUX
fbem-504	80	13	not	not	PART
fbem-504	80	14	lower	low	ADJ
fbem-504	80	15	than	than	SCONJ
fbem-504	80	16	the	the	DET
fbem-504	80	17	small	small	ADJ
fbem-504	80	18	and	and	CCONJ
fbem-504	80	19	medium	medium	ADJ
fbem-504	80	20	-	-	PUNCT
fbem-504	80	21	sized	sized	ADJ
fbem-504	80	22	enterprise	enterprise	NOUN
fbem-504	80	23	financial	financial	ADJ
fbem-504	80	24	income	income	NOUN
fbem-504	80	25	tax	tax	NOUN
fbem-504	80	26	system	system	NOUN
fbem-504	80	27	is	be	AUX
fbem-504	80	28	shown	show	VERB
fbem-504	80	29	in	in	ADP
fbem-504	80	30	invoice	invoice	ADJ
fbem-504	80	31	income	income	NOUN
fbem-504	80	32	,	,	PUNCT
fbem-504	80	33	so	so	CCONJ
fbem-504	80	34	the	the	DET
fbem-504	80	35	tax	tax	NOUN
fbem-504	80	36	invoice	invoice	NOUN
fbem-504	80	37	electronically	electronically	ADV
fbem-504	80	38	can	can	AUX
fbem-504	80	39	be	be	AUX
fbem-504	80	40	used	use	VERB
fbem-504	80	41	to	to	PART
fbem-504	80	42	solve	solve	VERB
fbem-504	80	43	the	the	DET
fbem-504	80	44	problem	problem	NOUN
fbem-504	80	45	of	of	ADP
fbem-504	80	46	the	the	DET
fbem-504	80	47	asymmetry	asymmetry	NOUN
fbem-504	80	48	of	of	ADP
fbem-504	80	49	accounting	accounting	NOUN
fbem-504	80	50	information	information	NOUN
fbem-504	80	51	,	,	PUNCT
fbem-504	80	52	using	use	VERB
fbem-504	80	53	small	small	ADJ
fbem-504	80	54	and	and	CCONJ
fbem-504	80	55	medium	medium	ADJ
fbem-504	80	56	-	-	PUNCT
fbem-504	80	57	sized	sized	ADJ
fbem-504	80	58	enterprise	enterprise	NOUN
fbem-504	80	59	's	's	PART
fbem-504	80	60	tax	tax	NOUN
fbem-504	80	61	revenue	revenue	NOUN
fbem-504	80	62	credit	credit	NOUN
fbem-504	80	63	and	and	CCONJ
fbem-504	80	64	technology	technology	NOUN
fbem-504	80	65	of	of	ADP
fbem-504	80	66	the	the	DET
fbem-504	80	67	large	large	ADJ
fbem-504	80	68	data	datum	NOUN
fbem-504	80	69	check	check	NOUN
fbem-504	80	70	and	and	CCONJ
fbem-504	80	71	ratify	ratify	VERB
fbem-504	80	72	is	be	AUX
fbem-504	80	73	the	the	DET
fbem-504	80	74	trend	trend	NOUN
fbem-504	80	75	of	of	ADP
fbem-504	80	76	the	the	DET
fbem-504	80	77	future	future	NOUN
fbem-504	80	78	.	.	PUNCT
fbem-504	81	1	4.3.2	4.3.2	X
fbem-504	81	2	.	.	PUNCT
fbem-504	82	1	internet	internet	NOUN
fbem-504	82	2	of	of	ADP
fbem-504	82	3	things	thing	NOUN
fbem-504	82	4	technology	technology	NOUN
fbem-504	82	5	with	with	ADP
fbem-504	82	6	the	the	DET
fbem-504	82	7	help	help	NOUN
fbem-504	82	8	of	of	ADP
fbem-504	82	9	internet	internet	NOUN
fbem-504	82	10	of	of	ADP
fbem-504	82	11	things	thing	NOUN
fbem-504	82	12	technology	technology	NOUN
fbem-504	82	13	,	,	PUNCT
fbem-504	82	14	banks	bank	NOUN
fbem-504	82	15	and	and	CCONJ
fbem-504	82	16	other	other	ADJ
fbem-504	82	17	financial	financial	ADJ
fbem-504	82	18	institutions	institution	NOUN
fbem-504	82	19	can	can	AUX
fbem-504	82	20	intelligently	intelligently	ADV
fbem-504	82	21	analyze	analyze	VERB
fbem-504	82	22	and	and	CCONJ
fbem-504	82	23	identify	identify	VERB
fbem-504	82	24	the	the	DET
fbem-504	82	25	production	production	NOUN
fbem-504	82	26	and	and	CCONJ
fbem-504	82	27	operation	operation	NOUN
fbem-504	82	28	status	status	NOUN
fbem-504	82	29	of	of	ADP
fbem-504	82	30	small	small	ADJ
fbem-504	82	31	and	and	CCONJ
fbem-504	82	32	medium	medium	ADJ
fbem-504	82	33	-	-	PUNCT
fbem-504	82	34	sized	sized	ADJ
fbem-504	82	35	enterprises	enterprise	NOUN
fbem-504	82	36	.	.	PUNCT
fbem-504	83	1	in	in	ADP
fbem-504	83	2	addition	addition	NOUN
fbem-504	83	3	,	,	PUNCT
fbem-504	83	4	through	through	ADP
fbem-504	83	5	the	the	DET
fbem-504	83	6	use	use	NOUN
fbem-504	83	7	of	of	ADP
fbem-504	83	8	big	big	ADJ
fbem-504	83	9	data	datum	NOUN
fbem-504	83	10	and	and	CCONJ
fbem-504	83	11	cloud	cloud	NOUN
fbem-504	83	12	computing	computing	NOUN
fbem-504	83	13	technology	technology	NOUN
fbem-504	83	14	,	,	PUNCT
fbem-504	83	15	relying	rely	VERB
fbem-504	83	16	on	on	ADP
fbem-504	83	17	the	the	DET
fbem-504	83	18	internet	internet	NOUN
fbem-504	83	19	of	of	ADP
fbem-504	83	20	things	thing	NOUN
fbem-504	83	21	technology	technology	NOUN
fbem-504	83	22	to	to	PART
fbem-504	83	23	establish	establish	VERB
fbem-504	83	24	enterprise	enterprise	NOUN
fbem-504	83	25	credit	credit	NOUN
fbem-504	83	26	information	information	NOUN
fbem-504	83	27	sharing	sharing	NOUN
fbem-504	83	28	mechanism	mechanism	NOUN
fbem-504	83	29	,	,	PUNCT
fbem-504	83	30	can	can	AUX
fbem-504	83	31	evaluate	evaluate	VERB
fbem-504	83	32	the	the	DET
fbem-504	83	33	credit	credit	NOUN
fbem-504	83	34	data	datum	NOUN
fbem-504	83	35	of	of	ADP
fbem-504	83	36	small	small	ADJ
fbem-504	83	37	and	and	CCONJ
fbem-504	83	38	medium	medium	ADJ
fbem-504	83	39	-	-	PUNCT
fbem-504	83	40	sized	sized	ADJ
fbem-504	83	41	enterprises	enterprise	NOUN
fbem-504	83	42	,	,	PUNCT
fbem-504	83	43	promote	promote	VERB
fbem-504	83	44	more	more	ADV
fbem-504	83	45	transparent	transparent	ADJ
fbem-504	83	46	information	information	NOUN
fbem-504	83	47	.	.	PUNCT
fbem-504	84	1	at	at	ADP
fbem-504	84	2	present	present	ADJ
fbem-504	84	3	,	,	PUNCT
fbem-504	84	4	internet	internet	NOUN
fbem-504	84	5	of	of	ADP
fbem-504	84	6	things	thing	NOUN
fbem-504	84	7	technology	technology	NOUN
fbem-504	84	8	has	have	AUX
fbem-504	84	9	been	be	AUX
fbem-504	84	10	widely	widely	ADV
fbem-504	84	11	used	use	VERB
fbem-504	84	12	in	in	ADP
fbem-504	84	13	the	the	DET
fbem-504	84	14	batch	batch	NOUN
fbem-504	84	15	financing	financing	NOUN
fbem-504	84	16	business	business	NOUN
fbem-504	84	17	of	of	ADP
fbem-504	84	18	small	small	ADJ
fbem-504	84	19	and	and	CCONJ
fbem-504	84	20	medium	medium	ADJ
fbem-504	84	21	-	-	PUNCT
fbem-504	84	22	sized	sized	ADJ
fbem-504	84	23	enterprises	enterprise	NOUN
fbem-504	84	24	.	.	PUNCT
fbem-504	85	1	combined	combine	VERB
fbem-504	85	2	with	with	ADP
fbem-504	85	3	digital	digital	ADJ
fbem-504	85	4	authentication	authentication	NOUN
fbem-504	85	5	technology	technology	NOUN
fbem-504	85	6	,	,	PUNCT
fbem-504	85	7	it	it	PRON
fbem-504	85	8	solves	solve	VERB
fbem-504	85	9	the	the	DET
fbem-504	85	10	problems	problem	NOUN
fbem-504	85	11	of	of	ADP
fbem-504	85	12	contract	contract	NOUN
fbem-504	85	13	signing	signing	NOUN
fbem-504	85	14	,	,	PUNCT
fbem-504	85	15	identity	identity	NOUN
fbem-504	85	16	confirmation	confirmation	NOUN
fbem-504	85	17	and	and	CCONJ
fbem-504	85	18	information	information	NOUN
fbem-504	85	19	tracking	tracking	NOUN
fbem-504	85	20	during	during	ADP
fbem-504	85	21	financing	financing	NOUN
fbem-504	85	22	.	.	PUNCT
fbem-504	86	1	4.3.3	4.3.3	X
fbem-504	86	2	.	.	PUNCT
fbem-504	87	1	blockchain	blockchain	PROPN
fbem-504	87	2	technology	technology	PROPN
fbem-504	87	3	similar	similar	ADJ
fbem-504	87	4	to	to	ADP
fbem-504	87	5	the	the	DET
fbem-504	87	6	internet	internet	NOUN
fbem-504	87	7	of	of	ADP
fbem-504	87	8	things	thing	NOUN
fbem-504	87	9	technology	technology	NOUN
fbem-504	87	10	,	,	PUNCT
fbem-504	87	11	the	the	DET
fbem-504	87	12	blockchain	blockchain	PROPN
fbem-504	87	13	enhanced	enhance	VERB
fbem-504	87	14	data	datum	NOUN
fbem-504	87	15	platform	platform	NOUN
fbem-504	87	16	can	can	AUX
fbem-504	87	17	build	build	VERB
fbem-504	87	18	a	a	DET
fbem-504	87	19	credible	credible	ADJ
fbem-504	87	20	data	datum	NOUN
fbem-504	87	21	value	value	NOUN
fbem-504	87	22	67	67	NUM
fbem-504	87	23	transmission	transmission	NOUN
fbem-504	87	24	network	network	NOUN
fbem-504	87	25	.	.	PUNCT
fbem-504	88	1	through	through	ADP
fbem-504	88	2	the	the	DET
fbem-504	88	3	integration	integration	NOUN
fbem-504	88	4	of	of	ADP
fbem-504	88	5	the	the	DET
fbem-504	88	6	existing	exist	VERB
fbem-504	88	7	fragmented	fragmented	ADJ
fbem-504	88	8	and	and	CCONJ
fbem-504	88	9	diversified	diversified	ADJ
fbem-504	88	10	data	datum	NOUN
fbem-504	88	11	within	within	ADP
fbem-504	88	12	the	the	DET
fbem-504	88	13	jurisdiction	jurisdiction	NOUN
fbem-504	88	14	,	,	PUNCT
fbem-504	88	15	the	the	DET
fbem-504	88	16	dynamic	dynamic	ADJ
fbem-504	88	17	enterprise	enterprise	NOUN
fbem-504	88	18	credit	credit	NOUN
fbem-504	88	19	file	file	NOUN
fbem-504	88	20	can	can	AUX
fbem-504	88	21	be	be	AUX
fbem-504	88	22	established	establish	VERB
fbem-504	88	23	,	,	PUNCT
fbem-504	88	24	the	the	DET
fbem-504	88	25	credit	credit	NOUN
fbem-504	88	26	ability	ability	NOUN
fbem-504	88	27	of	of	ADP
fbem-504	88	28	small	small	ADJ
fbem-504	88	29	and	and	CCONJ
fbem-504	88	30	medium	medium	ADJ
fbem-504	88	31	-	-	PUNCT
fbem-504	88	32	sized	sized	ADJ
fbem-504	88	33	enterprises	enterprise	NOUN
fbem-504	88	34	can	can	AUX
fbem-504	88	35	be	be	AUX
fbem-504	88	36	improved	improve	VERB
fbem-504	88	37	,	,	PUNCT
fbem-504	88	38	and	and	CCONJ
fbem-504	88	39	the	the	DET
fbem-504	88	40	credit	credit	NOUN
fbem-504	88	41	evaluation	evaluation	NOUN
fbem-504	88	42	system	system	NOUN
fbem-504	88	43	of	of	ADP
fbem-504	88	44	small	small	ADJ
fbem-504	88	45	and	and	CCONJ
fbem-504	88	46	medium	medium	ADJ
fbem-504	88	47	-	-	PUNCT
fbem-504	88	48	sized	sized	ADJ
fbem-504	88	49	enterprises	enterprise	NOUN
fbem-504	88	50	can	can	AUX
fbem-504	88	51	be	be	AUX
fbem-504	88	52	built	build	VERB
fbem-504	88	53	.	.	PUNCT
fbem-504	89	1	at	at	ADP
fbem-504	89	2	the	the	DET
fbem-504	89	3	same	same	ADJ
fbem-504	89	4	time	time	NOUN
fbem-504	89	5	,	,	PUNCT
fbem-504	89	6	through	through	ADP
fbem-504	89	7	the	the	DET
fbem-504	89	8	decentralized	decentralized	ADJ
fbem-504	89	9	characteristics	characteristic	NOUN
fbem-504	89	10	of	of	ADP
fbem-504	89	11	blockchain	blockchain	PROPN
fbem-504	89	12	technology	technology	PROPN
fbem-504	89	13	,	,	PUNCT
fbem-504	89	14	the	the	DET
fbem-504	89	15	alliance	alliance	NOUN
fbem-504	89	16	chain	chain	NOUN
fbem-504	89	17	is	be	AUX
fbem-504	89	18	built	build	VERB
fbem-504	89	19	,	,	PUNCT
fbem-504	89	20	so	so	SCONJ
fbem-504	89	21	that	that	SCONJ
fbem-504	89	22	banks	bank	NOUN
fbem-504	89	23	,	,	PUNCT
fbem-504	89	24	guarantee	guarantee	VERB
fbem-504	89	25	institutions	institution	NOUN
fbem-504	89	26	and	and	CCONJ
fbem-504	89	27	small	small	ADJ
fbem-504	89	28	and	and	CCONJ
fbem-504	89	29	medium	medium	ADJ
fbem-504	89	30	-	-	PUNCT
fbem-504	89	31	sized	sized	ADJ
fbem-504	89	32	enterprises	enterprise	NOUN
fbem-504	89	33	can	can	AUX
fbem-504	89	34	reach	reach	VERB
fbem-504	89	35	mutual	mutual	ADJ
fbem-504	89	36	trust	trust	NOUN
fbem-504	89	37	consensus	consensus	NOUN
fbem-504	89	38	,	,	PUNCT
fbem-504	89	39	and	and	CCONJ
fbem-504	89	40	break	break	VERB
fbem-504	89	41	the	the	DET
fbem-504	89	42	problem	problem	NOUN
fbem-504	89	43	of	of	ADP
fbem-504	89	44	"	"	PUNCT
fbem-504	89	45	information	information	NOUN
fbem-504	89	46	island	island	NOUN
fbem-504	89	47	"	"	PUNCT
fbem-504	89	48	in	in	ADP
fbem-504	89	49	the	the	DET
fbem-504	89	50	traditional	traditional	ADJ
fbem-504	89	51	financing	financing	NOUN
fbem-504	89	52	environment	environment	NOUN
fbem-504	89	53	.	.	PUNCT
fbem-504	90	1	in	in	ADP
fbem-504	90	2	addition	addition	NOUN
fbem-504	90	3	,	,	PUNCT
fbem-504	90	4	the	the	DET
fbem-504	90	5	application	application	NOUN
fbem-504	90	6	block	block	NOUN
fbem-504	90	7	chain	chain	NOUN
fbem-504	90	8	characteristic	characteristic	NOUN
fbem-504	90	9	of	of	ADP
fbem-504	90	10	data	datum	NOUN
fbem-504	90	11	encryption	encryption	NOUN
fbem-504	90	12	,	,	PUNCT
fbem-504	90	13	tamper	tamper	NOUN
fbem-504	90	14	-	-	NOUN
fbem-504	90	15	proof	proof	ADJ
fbem-504	90	16	,	,	PUNCT
fbem-504	90	17	asset	asset	NOUN
fbem-504	90	18	digital	digital	ADJ
fbem-504	90	19	proof	proof	NOUN
fbem-504	90	20	technology	technology	NOUN
fbem-504	90	21	,	,	PUNCT
fbem-504	90	22	realize	realize	VERB
fbem-504	90	23	the	the	DET
fbem-504	90	24	credit	credit	NOUN
fbem-504	90	25	evaluation	evaluation	NOUN
fbem-504	90	26	,	,	PUNCT
fbem-504	90	27	pricing	pricing	NOUN
fbem-504	90	28	,	,	PUNCT
fbem-504	90	29	service	service	NOUN
fbem-504	90	30	with	with	ADP
fbem-504	90	31	the	the	DET
fbem-504	90	32	execution	execution	NOUN
fbem-504	90	33	of	of	ADP
fbem-504	90	34	the	the	DET
fbem-504	90	35	contract	contract	NOUN
fbem-504	90	36	the	the	DET
fbem-504	90	37	whole	whole	ADJ
fbem-504	90	38	process	process	NOUN
fbem-504	90	39	of	of	ADP
fbem-504	90	40	operation	operation	NOUN
fbem-504	90	41	and	and	CCONJ
fbem-504	90	42	management	management	NOUN
fbem-504	90	43	automation	automation	NOUN
fbem-504	90	44	,	,	PUNCT
fbem-504	90	45	for	for	ADP
fbem-504	90	46	each	each	DET
fbem-504	90	47	link	link	NOUN
fbem-504	90	48	data	datum	NOUN
fbem-504	90	49	provide	provide	VERB
fbem-504	90	50	reliable	reliable	ADJ
fbem-504	90	51	storage	storage	NOUN
fbem-504	90	52	environment	environment	NOUN
fbem-504	90	53	,	,	PUNCT
fbem-504	90	54	information	information	NOUN
fbem-504	90	55	encryption	encryption	NOUN
fbem-504	90	56	,	,	PUNCT
fbem-504	90	57	only	only	ADV
fbem-504	90	58	under	under	ADP
fbem-504	90	59	the	the	DET
fbem-504	90	60	condition	condition	NOUN
fbem-504	90	61	of	of	ADP
fbem-504	90	62	the	the	DET
fbem-504	90	63	authorization	authorization	NOUN
fbem-504	90	64	data	datum	NOUN
fbem-504	90	65	owner	owner	NOUN
fbem-504	90	66	can	can	AUX
fbem-504	90	67	access	access	VERB
fbem-504	90	68	to	to	ADP
fbem-504	90	69	,	,	PUNCT
fbem-504	90	70	so	so	SCONJ
fbem-504	90	71	as	as	SCONJ
fbem-504	90	72	to	to	PART
fbem-504	90	73	effectively	effectively	ADV
fbem-504	90	74	solve	solve	VERB
fbem-504	90	75	the	the	DET
fbem-504	90	76	problem	problem	NOUN
fbem-504	90	77	of	of	ADP
fbem-504	90	78	information	information	NOUN
fbem-504	90	79	asymmetry	asymmetry	NOUN
fbem-504	90	80	between	between	ADP
fbem-504	90	81	the	the	DET
fbem-504	90	82	financing	financing	NOUN
fbem-504	90	83	parties	party	NOUN
fbem-504	90	84	.	.	PUNCT
fbem-504	91	1	5	5	X
fbem-504	91	2	.	.	X
fbem-504	91	3	conclusions	conclusion	NOUN
fbem-504	91	4	and	and	CCONJ
fbem-504	91	5	recommendations	recommendation	NOUN
fbem-504	91	6	to	to	PART
fbem-504	91	7	sum	sum	VERB
fbem-504	91	8	up	up	ADP
fbem-504	91	9	,	,	PUNCT
fbem-504	91	10	fintech	fintech	NOUN
fbem-504	91	11	plays	play	VERB
fbem-504	91	12	an	an	DET
fbem-504	91	13	important	important	ADJ
fbem-504	91	14	role	role	NOUN
fbem-504	91	15	in	in	ADP
fbem-504	91	16	the	the	DET
fbem-504	91	17	financing	financing	NOUN
fbem-504	91	18	of	of	ADP
fbem-504	91	19	small	small	ADJ
fbem-504	91	20	and	and	CCONJ
fbem-504	91	21	medium	medium	ADJ
fbem-504	91	22	-	-	PUNCT
fbem-504	91	23	sized	sized	ADJ
fbem-504	91	24	enterprises	enterprise	NOUN
fbem-504	91	25	.	.	PUNCT
fbem-504	92	1	facing	face	VERB
fbem-504	92	2	the	the	DET
fbem-504	92	3	small	small	ADJ
fbem-504	92	4	and	and	CCONJ
fbem-504	92	5	medium	medium	ADJ
fbem-504	92	6	-	-	PUNCT
fbem-504	92	7	sized	sized	ADJ
fbem-504	92	8	enterprise	enterprise	NOUN
fbem-504	92	9	own	own	ADJ
fbem-504	92	10	factors	factor	NOUN
fbem-504	92	11	and	and	CCONJ
fbem-504	92	12	external	external	ADJ
fbem-504	92	13	factors	factor	NOUN
fbem-504	92	14	of	of	ADP
fbem-504	92	15	the	the	DET
fbem-504	92	16	financing	financing	NOUN
fbem-504	92	17	dilemma	dilemma	NOUN
fbem-504	92	18	,	,	PUNCT
fbem-504	92	19	financial	financial	ADJ
fbem-504	92	20	science	science	NOUN
fbem-504	92	21	and	and	CCONJ
fbem-504	92	22	technology	technology	NOUN
fbem-504	92	23	from	from	ADP
fbem-504	92	24	the	the	DET
fbem-504	92	25	artificial	artificial	ADJ
fbem-504	92	26	intelligence	intelligence	NOUN
fbem-504	92	27	,	,	PUNCT
fbem-504	92	28	big	big	ADJ
fbem-504	92	29	data	datum	NOUN
fbem-504	92	30	,	,	PUNCT
fbem-504	92	31	cloud	cloud	NOUN
fbem-504	92	32	computing	computing	NOUN
fbem-504	92	33	and	and	CCONJ
fbem-504	92	34	block	block	NOUN
fbem-504	92	35	chain	chain	NOUN
fbem-504	92	36	is	be	AUX
fbem-504	92	37	put	put	VERB
fbem-504	92	38	forward	forward	ADV
fbem-504	92	39	the	the	DET
fbem-504	92	40	corresponding	correspond	VERB
fbem-504	92	41	solutions	solution	NOUN
fbem-504	92	42	such	such	ADJ
fbem-504	92	43	as	as	ADP
fbem-504	92	44	technical	technical	ADJ
fbem-504	92	45	level	level	NOUN
fbem-504	92	46	,	,	PUNCT
fbem-504	92	47	acting	act	VERB
fbem-504	92	48	on	on	ADP
fbem-504	92	49	the	the	DET
fbem-504	92	50	financing	financing	NOUN
fbem-504	92	51	channels	channel	NOUN
fbem-504	92	52	,	,	PUNCT
fbem-504	92	53	financing	financing	NOUN
fbem-504	92	54	costs	cost	NOUN
fbem-504	92	55	,	,	PUNCT
fbem-504	92	56	and	and	CCONJ
fbem-504	92	57	information	information	NOUN
fbem-504	92	58	such	such	ADJ
fbem-504	92	59	as	as	ADP
fbem-504	92	60	credit	credit	NOUN
fbem-504	92	61	,	,	PUNCT
fbem-504	92	62	for	for	ADP
fbem-504	92	63	small	small	ADJ
fbem-504	92	64	and	and	CCONJ
fbem-504	92	65	mediumsized	mediumsized	ADJ
fbem-504	92	66	enterprises	enterprise	NOUN
fbem-504	92	67	to	to	PART
fbem-504	92	68	achieve	achieve	VERB
fbem-504	92	69	convenient	convenient	ADJ
fbem-504	92	70	financing	financing	NOUN
fbem-504	92	71	and	and	CCONJ
fbem-504	92	72	longterm	longterm	ADJ
fbem-504	92	73	development	development	NOUN
fbem-504	92	74	has	have	VERB
fbem-504	92	75	important	important	ADJ
fbem-504	92	76	practical	practical	ADJ
fbem-504	92	77	significance	significance	NOUN
fbem-504	92	78	.	.	PUNCT
fbem-504	93	1	finally	finally	ADV
fbem-504	93	2	,	,	PUNCT
fbem-504	93	3	based	base	VERB
fbem-504	93	4	on	on	ADP
fbem-504	93	5	the	the	DET
fbem-504	93	6	content	content	NOUN
fbem-504	93	7	and	and	CCONJ
fbem-504	93	8	conclusions	conclusion	NOUN
fbem-504	93	9	of	of	ADP
fbem-504	93	10	this	this	DET
fbem-504	93	11	paper	paper	NOUN
fbem-504	93	12	,	,	PUNCT
fbem-504	93	13	the	the	DET
fbem-504	93	14	following	follow	VERB
fbem-504	93	15	countermeasures	countermeasure	NOUN
fbem-504	93	16	and	and	CCONJ
fbem-504	93	17	suggestions	suggestion	NOUN
fbem-504	93	18	are	be	AUX
fbem-504	93	19	proposed	propose	VERB
fbem-504	93	20	:	:	PUNCT
fbem-504	93	21	first	first	ADV
fbem-504	93	22	,	,	PUNCT
fbem-504	93	23	suggestions	suggestion	NOUN
fbem-504	93	24	for	for	ADP
fbem-504	93	25	small	small	ADJ
fbem-504	93	26	and	and	CCONJ
fbem-504	93	27	medium	medium	ADJ
fbem-504	93	28	-	-	PUNCT
fbem-504	93	29	sized	sized	ADJ
fbem-504	93	30	enterprises	enterprise	NOUN
fbem-504	93	31	themselves	themselves	PRON
fbem-504	93	32	.	.	PUNCT
fbem-504	94	1	iron	iron	NOUN
fbem-504	94	2	also	also	ADV
fbem-504	94	3	need	need	VERB
fbem-504	94	4	their	their	PRON
fbem-504	94	5	own	own	ADJ
fbem-504	94	6	hard	hard	ADJ
fbem-504	94	7	,	,	PUNCT
fbem-504	94	8	small	small	ADJ
fbem-504	94	9	and	and	CCONJ
fbem-504	94	10	mediumsized	mediumsized	ADJ
fbem-504	94	11	enterprises	enterprise	NOUN
fbem-504	94	12	need	need	VERB
fbem-504	94	13	to	to	PART
fbem-504	94	14	strengthen	strengthen	VERB
fbem-504	94	15	their	their	PRON
fbem-504	94	16	own	own	ADJ
fbem-504	94	17	credit	credit	NOUN
fbem-504	94	18	construction	construction	NOUN
fbem-504	94	19	,	,	PUNCT
fbem-504	94	20	establish	establish	VERB
fbem-504	94	21	a	a	DET
fbem-504	94	22	good	good	ADJ
fbem-504	94	23	image	image	NOUN
fbem-504	94	24	.	.	PUNCT
fbem-504	95	1	in	in	ADP
fbem-504	95	2	the	the	DET
fbem-504	95	3	management	management	NOUN
fbem-504	95	4	level	level	NOUN
fbem-504	95	5	to	to	PART
fbem-504	95	6	improve	improve	VERB
fbem-504	95	7	the	the	DET
fbem-504	95	8	leadership	leadership	NOUN
fbem-504	95	9	and	and	CCONJ
fbem-504	95	10	management	management	NOUN
fbem-504	95	11	ability	ability	NOUN
fbem-504	95	12	,	,	PUNCT
fbem-504	95	13	do	do	VERB
fbem-504	95	14	a	a	DET
fbem-504	95	15	good	good	ADJ
fbem-504	95	16	job	job	NOUN
fbem-504	95	17	of	of	ADP
fbem-504	95	18	the	the	DET
fbem-504	95	19	company	company	NOUN
fbem-504	95	20	's	's	PART
fbem-504	95	21	regular	regular	ADJ
fbem-504	95	22	financing	financing	NOUN
fbem-504	95	23	planning	planning	NOUN
fbem-504	95	24	and	and	CCONJ
fbem-504	95	25	longterm	longterm	VERB
fbem-504	95	26	development	development	NOUN
fbem-504	95	27	strategy	strategy	NOUN
fbem-504	95	28	,	,	PUNCT
fbem-504	95	29	efficient	efficient	ADJ
fbem-504	95	30	use	use	NOUN
fbem-504	95	31	of	of	ADP
fbem-504	95	32	funds	fund	NOUN
fbem-504	95	33	;	;	PUNCT
fbem-504	95	34	in	in	ADP
fbem-504	95	35	the	the	DET
fbem-504	95	36	financial	financial	ADJ
fbem-504	95	37	level	level	NOUN
fbem-504	95	38	,	,	PUNCT
fbem-504	95	39	the	the	DET
fbem-504	95	40	use	use	NOUN
fbem-504	95	41	of	of	ADP
fbem-504	95	42	advanced	advanced	ADJ
fbem-504	95	43	technology	technology	NOUN
fbem-504	95	44	,	,	PUNCT
fbem-504	95	45	increase	increase	VERB
fbem-504	95	46	the	the	DET
fbem-504	95	47	transparency	transparency	NOUN
fbem-504	95	48	of	of	ADP
fbem-504	95	49	financial	financial	ADJ
fbem-504	95	50	information	information	NOUN
fbem-504	95	51	,	,	PUNCT
fbem-504	95	52	and	and	CCONJ
fbem-504	95	53	then	then	ADV
fbem-504	95	54	improve	improve	VERB
fbem-504	95	55	the	the	DET
fbem-504	95	56	credit	credit	NOUN
fbem-504	95	57	rating	rating	NOUN
fbem-504	95	58	;	;	PUNCT
fbem-504	95	59	in	in	ADP
fbem-504	95	60	the	the	DET
fbem-504	95	61	credit	credit	NOUN
fbem-504	95	62	investigation	investigation	NOUN
fbem-504	95	63	and	and	CCONJ
fbem-504	95	64	guarantee	guarantee	NOUN
fbem-504	95	65	level	level	NOUN
fbem-504	95	66	to	to	PART
fbem-504	95	67	carry	carry	VERB
fbem-504	95	68	out	out	ADP
fbem-504	95	69	government	government	NOUN
fbem-504	95	70	,	,	PUNCT
fbem-504	95	71	financial	financial	ADJ
fbem-504	95	72	and	and	CCONJ
fbem-504	95	73	enterprise	enterprise	NOUN
fbem-504	95	74	docking	docking	NOUN
fbem-504	95	75	,	,	PUNCT
fbem-504	95	76	actively	actively	ADV
fbem-504	95	77	realize	realize	VERB
fbem-504	95	78	resource	resource	NOUN
fbem-504	95	79	sharing	sharing	NOUN
fbem-504	95	80	,	,	PUNCT
fbem-504	95	81	alleviate	alleviate	VERB
fbem-504	95	82	the	the	DET
fbem-504	95	83	problem	problem	NOUN
fbem-504	95	84	of	of	ADP
fbem-504	95	85	information	information	NOUN
fbem-504	95	86	asymmetry	asymmetry	NOUN
fbem-504	95	87	.	.	PUNCT
fbem-504	96	1	second	second	ADJ
fbem-504	96	2	,	,	PUNCT
fbem-504	96	3	suggestions	suggestion	NOUN
fbem-504	96	4	for	for	ADP
fbem-504	96	5	traditional	traditional	ADJ
fbem-504	96	6	financial	financial	ADJ
fbem-504	96	7	institutions	institution	NOUN
fbem-504	96	8	.	.	PUNCT
fbem-504	97	1	state	state	NOUN
fbem-504	97	2	-	-	PUNCT
fbem-504	97	3	owned	own	VERB
fbem-504	97	4	commercial	commercial	ADJ
fbem-504	97	5	banks	bank	NOUN
fbem-504	97	6	and	and	CCONJ
fbem-504	97	7	other	other	ADJ
fbem-504	97	8	large	large	ADJ
fbem-504	97	9	financial	financial	ADJ
fbem-504	97	10	institutions	institution	NOUN
fbem-504	97	11	need	need	VERB
fbem-504	97	12	to	to	PART
fbem-504	97	13	accelerate	accelerate	VERB
fbem-504	97	14	digital	digital	ADJ
fbem-504	97	15	transformation	transformation	NOUN
fbem-504	97	16	,	,	PUNCT
fbem-504	97	17	increase	increase	VERB
fbem-504	97	18	technology	technology	NOUN
fbem-504	97	19	research	research	NOUN
fbem-504	97	20	and	and	CCONJ
fbem-504	97	21	development	development	NOUN
fbem-504	97	22	in	in	ADP
fbem-504	97	23	the	the	DET
fbem-504	97	24	field	field	NOUN
fbem-504	97	25	of	of	ADP
fbem-504	97	26	fintech	fintech	NOUN
fbem-504	97	27	,	,	PUNCT
fbem-504	97	28	promote	promote	VERB
fbem-504	97	29	product	product	NOUN
fbem-504	97	30	diversification	diversification	NOUN
fbem-504	97	31	and	and	CCONJ
fbem-504	97	32	innovation	innovation	NOUN
fbem-504	97	33	with	with	ADP
fbem-504	97	34	the	the	DET
fbem-504	97	35	help	help	NOUN
fbem-504	97	36	of	of	ADP
fbem-504	97	37	fintech	fintech	NOUN
fbem-504	97	38	platforms	platform	NOUN
fbem-504	97	39	,	,	PUNCT
fbem-504	97	40	and	and	CCONJ
fbem-504	97	41	precisely	precisely	ADV
fbem-504	97	42	improve	improve	VERB
fbem-504	97	43	financing	financing	NOUN
fbem-504	97	44	support	support	NOUN
fbem-504	97	45	for	for	ADP
fbem-504	97	46	small	small	ADJ
fbem-504	97	47	and	and	CCONJ
fbem-504	97	48	medium	medium	ADJ
fbem-504	97	49	-	-	PUNCT
fbem-504	97	50	sized	sized	ADJ
fbem-504	97	51	enterprises	enterprise	NOUN
fbem-504	97	52	.	.	PUNCT
fbem-504	98	1	in	in	ADP
fbem-504	98	2	addition	addition	NOUN
fbem-504	98	3	,	,	PUNCT
fbem-504	98	4	small	small	ADJ
fbem-504	98	5	and	and	CCONJ
fbem-504	98	6	medium	medium	ADJ
fbem-504	98	7	-	-	PUNCT
fbem-504	98	8	sized	sized	ADJ
fbem-504	98	9	banks	bank	NOUN
fbem-504	98	10	should	should	AUX
fbem-504	98	11	also	also	ADV
fbem-504	98	12	explore	explore	VERB
fbem-504	98	13	their	their	PRON
fbem-504	98	14	own	own	ADJ
fbem-504	98	15	fintech	fintech	NOUN
fbem-504	98	16	path	path	NOUN
fbem-504	98	17	,	,	PUNCT
fbem-504	98	18	develop	develop	VERB
fbem-504	98	19	flexible	flexible	ADJ
fbem-504	98	20	and	and	CCONJ
fbem-504	98	21	personalized	personalized	ADJ
fbem-504	98	22	financial	financial	ADJ
fbem-504	98	23	services	service	NOUN
fbem-504	98	24	to	to	PART
fbem-504	98	25	improve	improve	VERB
fbem-504	98	26	their	their	PRON
fbem-504	98	27	competitiveness	competitiveness	NOUN
fbem-504	98	28	,	,	PUNCT
fbem-504	98	29	build	build	VERB
fbem-504	98	30	a	a	DET
fbem-504	98	31	unique	unique	ADJ
fbem-504	98	32	platform	platform	NOUN
fbem-504	98	33	based	base	VERB
fbem-504	98	34	on	on	ADP
fbem-504	98	35	the	the	DET
fbem-504	98	36	existing	exist	VERB
fbem-504	98	37	advanced	advanced	ADJ
fbem-504	98	38	technology	technology	NOUN
fbem-504	98	39	,	,	PUNCT
fbem-504	98	40	share	share	VERB
fbem-504	98	41	resources	resource	NOUN
fbem-504	98	42	with	with	ADP
fbem-504	98	43	state	state	NOUN
fbem-504	98	44	-	-	PUNCT
fbem-504	98	45	owned	own	VERB
fbem-504	98	46	commercial	commercial	ADJ
fbem-504	98	47	banks	bank	NOUN
fbem-504	98	48	,	,	PUNCT
fbem-504	98	49	get	get	VERB
fbem-504	98	50	together	together	ADV
fbem-504	98	51	and	and	CCONJ
fbem-504	98	52	help	help	VERB
fbem-504	98	53	small	small	ADJ
fbem-504	98	54	and	and	CCONJ
fbem-504	98	55	medium	medium	ADJ
fbem-504	98	56	-	-	PUNCT
fbem-504	98	57	sized	sized	ADJ
fbem-504	98	58	enterprises	enterprise	NOUN
fbem-504	98	59	in	in	ADP
fbem-504	98	60	financing	financing	NOUN
fbem-504	98	61	.	.	PUNCT
fbem-504	99	1	third	third	ADJ
fbem-504	99	2	,	,	PUNCT
fbem-504	99	3	suggestions	suggestion	NOUN
fbem-504	99	4	on	on	ADP
fbem-504	99	5	the	the	DET
fbem-504	99	6	development	development	NOUN
fbem-504	99	7	of	of	ADP
fbem-504	99	8	fintech	fintech	NOUN
fbem-504	99	9	.	.	PUNCT
fbem-504	100	1	the	the	DET
fbem-504	100	2	government	government	NOUN
fbem-504	100	3	should	should	AUX
fbem-504	100	4	pay	pay	VERB
fbem-504	100	5	attention	attention	NOUN
fbem-504	100	6	to	to	ADP
fbem-504	100	7	the	the	DET
fbem-504	100	8	construction	construction	NOUN
fbem-504	100	9	of	of	ADP
fbem-504	100	10	fintech	fintech	NOUN
fbem-504	100	11	related	relate	VERB
fbem-504	100	12	high	high	ADJ
fbem-504	100	13	-	-	PUNCT
fbem-504	100	14	quality	quality	NOUN
fbem-504	100	15	talent	talent	NOUN
fbem-504	100	16	team	team	NOUN
fbem-504	100	17	,	,	PUNCT
fbem-504	100	18	and	and	CCONJ
fbem-504	100	19	provide	provide	VERB
fbem-504	100	20	policy	policy	NOUN
fbem-504	100	21	support	support	NOUN
fbem-504	100	22	,	,	PUNCT
fbem-504	100	23	and	and	CCONJ
fbem-504	100	24	cooperate	cooperate	VERB
fbem-504	100	25	with	with	ADP
fbem-504	100	26	small	small	ADJ
fbem-504	100	27	and	and	CCONJ
fbem-504	100	28	medium	medium	ADJ
fbem-504	100	29	-	-	PUNCT
fbem-504	100	30	sized	sized	ADJ
fbem-504	100	31	enterprises	enterprise	NOUN
fbem-504	100	32	and	and	CCONJ
fbem-504	100	33	financial	financial	ADJ
fbem-504	100	34	institutions	institution	NOUN
fbem-504	100	35	to	to	PART
fbem-504	100	36	ensure	ensure	VERB
fbem-504	100	37	the	the	DET
fbem-504	100	38	establishment	establishment	NOUN
fbem-504	100	39	of	of	ADP
fbem-504	100	40	fintech	fintech	NOUN
fbem-504	100	41	platforms	platform	NOUN
fbem-504	100	42	.	.	PUNCT
fbem-504	101	1	in	in	ADP
fbem-504	101	2	addition	addition	NOUN
fbem-504	101	3	,	,	PUNCT
fbem-504	101	4	countries	country	NOUN
fbem-504	101	5	should	should	AUX
fbem-504	101	6	also	also	ADV
fbem-504	101	7	provide	provide	VERB
fbem-504	101	8	a	a	DET
fbem-504	101	9	proposal	proposal	NOUN
fbem-504	101	10	of	of	ADP
fbem-504	101	11	financial	financial	ADJ
fbem-504	101	12	regulation	regulation	NOUN
fbem-504	101	13	related	relate	VERB
fbem-504	101	14	science	science	NOUN
fbem-504	101	15	and	and	CCONJ
fbem-504	101	16	technology	technology	NOUN
fbem-504	101	17	,	,	PUNCT
fbem-504	101	18	to	to	PART
fbem-504	101	19	promote	promote	VERB
fbem-504	101	20	china	china	PROPN
fbem-504	101	21	's	's	PART
fbem-504	101	22	version	version	NOUN
fbem-504	101	23	of	of	ADP
fbem-504	101	24	"	"	PUNCT
fbem-504	101	25	regulatory	regulatory	ADJ
fbem-504	101	26	sand	sand	NOUN
fbem-504	101	27	box	box	NOUN
fbem-504	101	28	"	"	PUNCT
fbem-504	101	29	be	be	AUX
fbem-504	101	30	born	bear	VERB
fbem-504	101	31	,	,	PUNCT
fbem-504	101	32	in	in	ADP
fbem-504	101	33	financial	financial	ADJ
fbem-504	101	34	technology	technology	NOUN
fbem-504	101	35	industries	industry	NOUN
fbem-504	101	36	,	,	PUNCT
fbem-504	101	37	products	product	NOUN
fbem-504	101	38	and	and	CCONJ
fbem-504	101	39	services	service	NOUN
fbem-504	101	40	related	relate	VERB
fbem-504	101	41	to	to	ADP
fbem-504	101	42	multi	multi	ADJ
fbem-504	101	43	-	-	NOUN
fbem-504	101	44	level	level	ADJ
fbem-504	101	45	and	and	CCONJ
fbem-504	101	46	differentiated	differentiated	ADJ
fbem-504	101	47	regulation	regulation	NOUN
fbem-504	101	48	,	,	PUNCT
fbem-504	101	49	completes	complete	VERB
fbem-504	101	50	the	the	DET
fbem-504	101	51	privacy	privacy	NOUN
fbem-504	101	52	protection	protection	NOUN
fbem-504	101	53	,	,	PUNCT
fbem-504	101	54	prevent	prevent	VERB
fbem-504	101	55	data	datum	NOUN
fbem-504	101	56	theft	theft	NOUN
fbem-504	101	57	,	,	PUNCT
fbem-504	101	58	tampering	tampering	NOUN
fbem-504	101	59	,	,	PUNCT
fbem-504	101	60	to	to	PART
fbem-504	101	61	defend	defend	VERB
fbem-504	101	62	the	the	DET
fbem-504	101	63	happening	happening	NOUN
fbem-504	101	64	of	of	ADP
fbem-504	101	65	financial	financial	ADJ
fbem-504	101	66	risks	risk	NOUN
fbem-504	101	67	,	,	PUNCT
fbem-504	101	68	maintaining	maintain	VERB
fbem-504	101	69	the	the	DET
fbem-504	101	70	stability	stability	NOUN
fbem-504	101	71	of	of	ADP
fbem-504	101	72	financial	financial	ADJ
fbem-504	101	73	markets	market	NOUN
fbem-504	101	74	,	,	PUNCT
fbem-504	101	75	further	far	ADV
fbem-504	101	76	for	for	ADP
fbem-504	101	77	the	the	DET
fbem-504	101	78	financing	financing	NOUN
fbem-504	101	79	of	of	ADP
fbem-504	101	80	small	small	ADJ
fbem-504	101	81	and	and	CCONJ
fbem-504	101	82	medium	medium	ADJ
fbem-504	101	83	-	-	PUNCT
fbem-504	101	84	sized	sized	ADJ
fbem-504	101	85	enterprises	enterprise	NOUN
fbem-504	101	86	and	and	CCONJ
fbem-504	101	87	national	national	ADJ
fbem-504	101	88	economic	economic	ADJ
fbem-504	101	89	development	development	NOUN
fbem-504	101	90	to	to	PART
fbem-504	101	91	make	make	VERB
fbem-504	101	92	greater	great	ADJ
fbem-504	101	93	contributions	contribution	NOUN
fbem-504	101	94	.	.	PUNCT
fbem-504	102	1	references	reference	NOUN
fbem-504	102	2	[	[	X
fbem-504	102	3	1	1	X
fbem-504	102	4	]	]	X
fbem-504	102	5	y.	y.	PROPN
fbem-504	102	6	w.	w.	PROPN
fbem-504	102	7	wang	wang	PROPN
fbem-504	102	8	,	,	PUNCT
fbem-504	102	9	“	"	PUNCT
fbem-504	102	10	innovation	innovation	NOUN
fbem-504	102	11	of	of	ADP
fbem-504	102	12	financing	financing	NOUN
fbem-504	102	13	model	model	NOUN
fbem-504	102	14	for	for	ADP
fbem-504	102	15	small	small	ADJ
fbem-504	102	16	and	and	CCONJ
fbem-504	102	17	micro	micro	ADJ
fbem-504	102	18	enterprises	enterprise	NOUN
fbem-504	102	19	under	under	ADP
fbem-504	102	20	the	the	DET
fbem-504	102	21	background	background	NOUN
fbem-504	102	22	of	of	ADP
fbem-504	102	23	fintech	fintech	NOUN
fbem-504	102	24	,	,	PUNCT
fbem-504	102	25	”	"	PUNCT
fbem-504	103	1	[	[	X
fbem-504	103	2	j	j	X
fbem-504	103	3	]	]	X
fbem-504	103	4	.	.	PUNCT
fbem-504	104	1	finance	finance	NOUN
fbem-504	104	2	theory	theory	NOUN
fbem-504	104	3	and	and	CCONJ
fbem-504	104	4	practice	practice	NOUN
fbem-504	104	5	,	,	PUNCT
fbem-504	104	6	2021	2021	NUM
fbem-504	104	7	,	,	PUNCT
fbem-504	104	8	(	(	PUNCT
fbem-504	104	9	08	08	NUM
fbem-504	104	10	):	):	PUNCT
fbem-504	104	11	41	41	NUM
fbem-504	104	12	-	-	SYM
fbem-504	104	13	48	48	NUM
fbem-504	104	14	.	.	PUNCT
fbem-504	105	1	[	[	X
fbem-504	105	2	2	2	X
fbem-504	105	3	]	]	PUNCT
fbem-504	105	4	w.	w.	PROPN
fbem-504	105	5	x.	x.	PROPN
fbem-504	105	6	wan	wan	PROPN
fbem-504	105	7	,	,	PUNCT
fbem-504	105	8	“	"	PUNCT
fbem-504	105	9	the	the	DET
fbem-504	105	10	impact	impact	NOUN
fbem-504	105	11	of	of	ADP
fbem-504	105	12	fintech	fintech	NOUN
fbem-504	105	13	application	application	NOUN
fbem-504	105	14	on	on	ADP
fbem-504	105	15	the	the	DET
fbem-504	105	16	financing	financing	NOUN
fbem-504	105	17	of	of	ADP
fbem-504	105	18	small	small	ADJ
fbem-504	105	19	and	and	CCONJ
fbem-504	105	20	micro	micro	ADJ
fbem-504	105	21	enterprises	enterprise	NOUN
fbem-504	105	22	,	,	PUNCT
fbem-504	105	23	”	"	PUNCT
fbem-504	106	1	[	[	X
fbem-504	106	2	j	j	X
fbem-504	106	3	]	]	X
fbem-504	106	4	.	.	PUNCT
fbem-504	107	1	modern	modern	ADJ
fbem-504	107	2	trade	trade	NOUN
fbem-504	107	3	industry	industry	NOUN
fbem-504	107	4	,	,	PUNCT
fbem-504	107	5	2020	2020	NUM
fbem-504	107	6	,	,	PUNCT
fbem-504	107	7	41(28	41(28	NUM
fbem-504	107	8	):	):	PUNCT
fbem-504	107	9	135	135	NUM
fbem-504	107	10	-	-	SYM
fbem-504	107	11	136	136	NUM
fbem-504	107	12	.	.	PUNCT
fbem-504	108	1	[	[	X
fbem-504	108	2	3	3	NUM
fbem-504	108	3	]	]	PUNCT
fbem-504	108	4	x.	x.	NOUN
fbem-504	108	5	y.	y.	PROPN
fbem-504	108	6	zhu	zhu	PROPN
fbem-504	108	7	,	,	PUNCT
fbem-504	108	8	“	"	PUNCT
fbem-504	108	9	analysis	analysis	NOUN
fbem-504	108	10	on	on	ADP
fbem-504	108	11	the	the	DET
fbem-504	108	12	impact	impact	NOUN
fbem-504	108	13	of	of	ADP
fbem-504	108	14	fintech	fintech	NOUN
fbem-504	108	15	on	on	ADP
fbem-504	108	16	small	small	ADJ
fbem-504	108	17	and	and	CCONJ
fbem-504	108	18	micro	micro	ADJ
fbem-504	108	19	enterprises	enterprise	NOUN
fbem-504	108	20	in	in	ADP
fbem-504	108	21	the	the	DET
fbem-504	108	22	era	era	NOUN
fbem-504	108	23	of	of	ADP
fbem-504	108	24	big	big	ADJ
fbem-504	108	25	data	datum	NOUN
fbem-504	108	26	,	,	PUNCT
fbem-504	108	27	”	"	PUNCT
fbem-504	109	1	[	[	X
fbem-504	109	2	j	j	X
fbem-504	109	3	]	]	X
fbem-504	109	4	.	.	PUNCT
fbem-504	110	1	shopping	shopping	PROPN
fbem-504	110	2	mall	mall	PROPN
fbem-504	110	3	modernization	modernization	NOUN
fbem-504	110	4	,	,	PUNCT
fbem-504	110	5	2022	2022	NUM
fbem-504	110	6	,	,	PUNCT
fbem-504	110	7	(	(	PUNCT
fbem-504	110	8	02	02	NUM
fbem-504	110	9	):	):	PUNCT
fbem-504	110	10	98	98	NUM
fbem-504	110	11	-	-	SYM
fbem-504	110	12	100	100	NUM
fbem-504	110	13	.	.	PUNCT
fbem-504	111	1	[	[	X
fbem-504	111	2	4	4	X
fbem-504	111	3	]	]	X
fbem-504	111	4	y.	y.	PROPN
fbem-504	111	5	t.	t.	PROPN
fbem-504	111	6	han	han	PROPN
fbem-504	111	7	,	,	PUNCT
fbem-504	111	8	“	"	PUNCT
fbem-504	111	9	financial	financial	ADJ
fbem-504	111	10	innovation	innovation	NOUN
fbem-504	111	11	of	of	ADP
fbem-504	111	12	internet	internet	NOUN
fbem-504	111	13	supply	supply	NOUN
fbem-504	111	14	chain	chain	NOUN
fbem-504	111	15	driven	drive	VERB
fbem-504	111	16	by	by	ADP
fbem-504	111	17	fintech	fintech	NOUN
fbem-504	111	18	-literature	-literature	PROPN
fbem-504	111	19	review	review	NOUN
fbem-504	111	20	of	of	ADP
fbem-504	111	21	helping	help	VERB
fbem-504	111	22	small	small	ADJ
fbem-504	111	23	and	and	CCONJ
fbem-504	111	24	medium	medium	ADJ
fbem-504	111	25	-	-	PUNCT
fbem-504	111	26	sized	sized	ADJ
fbem-504	111	27	enterprises	enterprise	NOUN
fbem-504	111	28	develop	develop	VERB
fbem-504	111	29	,	,	PUNCT
fbem-504	111	30	”	"	PUNCT
fbem-504	111	31	[	[	X
fbem-504	111	32	j	j	X
fbem-504	111	33	]	]	X
fbem-504	111	34	.	.	PUNCT
fbem-504	112	1	north	north	PROPN
fbem-504	112	2	china	china	PROPN
fbem-504	112	3	finance	finance	PROPN
fbem-504	112	4	,	,	PUNCT
fbem-504	112	5	2020	2020	NUM
fbem-504	112	6	,	,	PUNCT
fbem-504	112	7	(	(	PUNCT
fbem-504	112	8	04	04	NUM
fbem-504	112	9	):	):	PUNCT
fbem-504	112	10	51	51	NUM
fbem-504	112	11	-	-	SYM
fbem-504	112	12	55	55	NUM
fbem-504	112	13	.	.	PUNCT