id	sid	tid	token	lemma	pos
fbem-5882	1	1	frontiers	frontier	NOUN
fbem-5882	1	2	in	in	ADP
fbem-5882	1	3	business	business	NOUN
fbem-5882	1	4	,	,	PUNCT
fbem-5882	1	5	economics	economic	NOUN
fbem-5882	1	6	and	and	CCONJ
fbem-5882	1	7	management	management	NOUN
fbem-5882	1	8	issn	issn	PROPN
fbem-5882	1	9	:	:	PUNCT
fbem-5882	1	10	2766	2766	NUM
fbem-5882	1	11	-	-	PUNCT
fbem-5882	1	12	824x	824x	NUM
fbem-5882	1	13	|	|	ADJ
fbem-5882	1	14	vol	vol	NOUN
fbem-5882	1	15	.	.	PROPN
fbem-5882	1	16	8	8	NUM
fbem-5882	1	17	,	,	PUNCT
fbem-5882	1	18	no	no	INTJ
fbem-5882	1	19	.	.	NOUN
fbem-5882	1	20	1	1	NUM
fbem-5882	1	21	,	,	PUNCT
fbem-5882	1	22	2023	2023	NUM
fbem-5882	1	23	89	89	NUM
fbem-5882	1	24	transformation	transformation	NOUN
fbem-5882	1	25	and	and	CCONJ
fbem-5882	1	26	upgrading	upgrade	VERB
fbem-5882	1	27	development	development	NOUN
fbem-5882	1	28	strategies	strategy	NOUN
fbem-5882	1	29	of	of	ADP
fbem-5882	1	30	small	small	ADJ
fbem-5882	1	31	and	and	CCONJ
fbem-5882	1	32	medium‐sized	medium‐size	VERB
fbem-5882	1	33	banks	bank	NOUN
fbem-5882	1	34	under	under	ADP
fbem-5882	1	35	the	the	DET
fbem-5882	1	36	influence	influence	NOUN
fbem-5882	1	37	of	of	ADP
fbem-5882	1	38	internet	internet	NOUN
fbem-5882	1	39	finance	finance	NOUN
fbem-5882	1	40	-a	-a	PROPN
fbem-5882	1	41	case	case	NOUN
fbem-5882	1	42	study	study	NOUN
fbem-5882	1	43	of	of	ADP
fbem-5882	1	44	china	china	PROPN
fbem-5882	1	45	everbright	everbright	PROPN
fbem-5882	1	46	bank	bank	PROPN
fbem-5882	1	47	yuetong	yuetong	PROPN
fbem-5882	1	48	yuan	yuan	PROPN
fbem-5882	1	49	*	*	PUNCT
fbem-5882	1	50	international	international	PROPN
fbem-5882	1	51	college	college	PROPN
fbem-5882	1	52	,	,	PUNCT
fbem-5882	1	53	hebei	hebei	PROPN
fbem-5882	1	54	university	university	PROPN
fbem-5882	1	55	,	,	PUNCT
fbem-5882	1	56	baoding	baoding	PROPN
fbem-5882	1	57	,	,	PUNCT
fbem-5882	1	58	071000	071000	NUM
fbem-5882	1	59	,	,	PUNCT
fbem-5882	1	60	china	china	PROPN
fbem-5882	1	61	*	*	PUNCT
fbem-5882	1	62	corresponding	correspond	VERB
fbem-5882	1	63	author	author	NOUN
fbem-5882	1	64	’s	’s	PART
fbem-5882	1	65	e	e	NOUN
fbem-5882	1	66	-	-	NOUN
fbem-5882	1	67	mail	mail	NOUN
fbem-5882	1	68	:	:	PUNCT
fbem-5882	1	69	y18330297907@outlook.com	y18330297907@outlook.com	NUM
fbem-5882	1	70	abstract	abstract	NOUN
fbem-5882	1	71	:	:	PUNCT
fbem-5882	1	72	this	this	DET
fbem-5882	1	73	paper	paper	NOUN
fbem-5882	1	74	comprehensively	comprehensively	ADV
fbem-5882	1	75	analyzes	analyze	VERB
fbem-5882	1	76	and	and	CCONJ
fbem-5882	1	77	compares	compare	VERB
fbem-5882	1	78	the	the	DET
fbem-5882	1	79	specific	specific	ADJ
fbem-5882	1	80	influencing	influence	VERB
fbem-5882	1	81	factors	factor	NOUN
fbem-5882	1	82	of	of	ADP
fbem-5882	1	83	china	china	PROPN
fbem-5882	1	84	's	's	PART
fbem-5882	1	85	internet	internet	NOUN
fbem-5882	1	86	finance	finance	NOUN
fbem-5882	1	87	policies	policy	NOUN
fbem-5882	1	88	on	on	ADP
fbem-5882	1	89	the	the	DET
fbem-5882	1	90	current	current	ADJ
fbem-5882	1	91	operation	operation	NOUN
fbem-5882	1	92	of	of	ADP
fbem-5882	1	93	small	small	ADJ
fbem-5882	1	94	and	and	CCONJ
fbem-5882	1	95	medium	medium	ADJ
fbem-5882	1	96	-	-	PUNCT
fbem-5882	1	97	sized	sized	ADJ
fbem-5882	1	98	commercial	commercial	ADJ
fbem-5882	1	99	banks	bank	NOUN
fbem-5882	1	100	,	,	PUNCT
fbem-5882	1	101	as	as	ADV
fbem-5882	1	102	well	well	ADV
fbem-5882	1	103	as	as	ADP
fbem-5882	1	104	the	the	DET
fbem-5882	1	105	possible	possible	ADJ
fbem-5882	1	106	causes	cause	NOUN
fbem-5882	1	107	of	of	ADP
fbem-5882	1	108	the	the	DET
fbem-5882	1	109	impact	impact	NOUN
fbem-5882	1	110	of	of	ADP
fbem-5882	1	111	china	china	PROPN
fbem-5882	1	112	's	's	PART
fbem-5882	1	113	internet	internet	NOUN
fbem-5882	1	114	finance	finance	NOUN
fbem-5882	1	115	new	new	ADJ
fbem-5882	1	116	policy	policy	NOUN
fbem-5882	1	117	on	on	ADP
fbem-5882	1	118	the	the	DET
fbem-5882	1	119	transformation	transformation	NOUN
fbem-5882	1	120	of	of	ADP
fbem-5882	1	121	small	small	ADJ
fbem-5882	1	122	and	and	CCONJ
fbem-5882	1	123	medium	medium	ADJ
fbem-5882	1	124	-	-	PUNCT
fbem-5882	1	125	sized	sized	ADJ
fbem-5882	1	126	commercial	commercial	ADJ
fbem-5882	1	127	banks	bank	NOUN
fbem-5882	1	128	,	,	PUNCT
fbem-5882	1	129	specifically	specifically	ADV
fbem-5882	1	130	analyzes	analyze	VERB
fbem-5882	1	131	the	the	DET
fbem-5882	1	132	innovative	innovative	ADJ
fbem-5882	1	133	transformation	transformation	NOUN
fbem-5882	1	134	business	business	NOUN
fbem-5882	1	135	practices	practice	NOUN
fbem-5882	1	136	of	of	ADP
fbem-5882	1	137	china	china	PROPN
fbem-5882	1	138	everbright	everbright	PROPN
fbem-5882	1	139	bank	bank	PROPN
fbem-5882	1	140	under	under	ADP
fbem-5882	1	141	the	the	DET
fbem-5882	1	142	influence	influence	NOUN
fbem-5882	1	143	of	of	ADP
fbem-5882	1	144	the	the	DET
fbem-5882	1	145	internet	internet	NOUN
fbem-5882	1	146	finance	finance	NOUN
fbem-5882	1	147	new	new	ADJ
fbem-5882	1	148	policy	policy	NOUN
fbem-5882	1	149	,	,	PUNCT
fbem-5882	1	150	and	and	CCONJ
fbem-5882	1	151	proposes	propose	VERB
fbem-5882	1	152	to	to	PART
fbem-5882	1	153	formulate	formulate	VERB
fbem-5882	1	154	relevant	relevant	ADJ
fbem-5882	1	155	business	business	NOUN
fbem-5882	1	156	transformation	transformation	NOUN
fbem-5882	1	157	service	service	NOUN
fbem-5882	1	158	countermeasures	countermeasure	NOUN
fbem-5882	1	159	for	for	ADP
fbem-5882	1	160	small	small	ADJ
fbem-5882	1	161	and	and	CCONJ
fbem-5882	1	162	medium	medium	ADJ
fbem-5882	1	163	-	-	PUNCT
fbem-5882	1	164	sized	sized	ADJ
fbem-5882	1	165	commercial	commercial	ADJ
fbem-5882	1	166	banks	bank	NOUN
fbem-5882	1	167	.	.	PUNCT
fbem-5882	2	1	this	this	DET
fbem-5882	2	2	paper	paper	NOUN
fbem-5882	2	3	first	first	ADJ
fbem-5882	2	4	studies	study	NOUN
fbem-5882	2	5	and	and	CCONJ
fbem-5882	2	6	analyzes	analyze	VERB
fbem-5882	2	7	the	the	DET
fbem-5882	2	8	impact	impact	NOUN
fbem-5882	2	9	of	of	ADP
fbem-5882	2	10	internet	internet	NOUN
fbem-5882	2	11	financial	financial	ADJ
fbem-5882	2	12	technology	technology	NOUN
fbem-5882	2	13	on	on	ADP
fbem-5882	2	14	the	the	DET
fbem-5882	2	15	current	current	ADJ
fbem-5882	2	16	digital	digital	ADJ
fbem-5882	2	17	business	business	NOUN
fbem-5882	2	18	transformation	transformation	NOUN
fbem-5882	2	19	and	and	CCONJ
fbem-5882	2	20	development	development	NOUN
fbem-5882	2	21	direction	direction	NOUN
fbem-5882	2	22	of	of	ADP
fbem-5882	2	23	small	small	ADJ
fbem-5882	2	24	and	and	CCONJ
fbem-5882	2	25	medium	medium	ADJ
fbem-5882	2	26	-	-	PUNCT
fbem-5882	2	27	sized	sized	ADJ
fbem-5882	2	28	commercial	commercial	ADJ
fbem-5882	2	29	banks	bank	NOUN
fbem-5882	2	30	from	from	ADP
fbem-5882	2	31	the	the	DET
fbem-5882	2	32	market	market	NOUN
fbem-5882	2	33	perspective	perspective	NOUN
fbem-5882	2	34	,	,	PUNCT
fbem-5882	2	35	the	the	DET
fbem-5882	2	36	bank	bank	NOUN
fbem-5882	2	37	perspective	perspective	NOUN
fbem-5882	2	38	and	and	CCONJ
fbem-5882	2	39	the	the	DET
fbem-5882	2	40	regulatory	regulatory	ADJ
fbem-5882	2	41	perspective	perspective	NOUN
fbem-5882	2	42	,	,	PUNCT
fbem-5882	2	43	and	and	CCONJ
fbem-5882	2	44	then	then	ADV
fbem-5882	2	45	analyzes	analyze	VERB
fbem-5882	2	46	the	the	DET
fbem-5882	2	47	current	current	ADJ
fbem-5882	2	48	external	external	ADJ
fbem-5882	2	49	policy	policy	NOUN
fbem-5882	2	50	environment	environment	NOUN
fbem-5882	2	51	of	of	ADP
fbem-5882	2	52	internet	internet	NOUN
fbem-5882	2	53	finance	finance	NOUN
fbem-5882	2	54	industry	industry	NOUN
fbem-5882	2	55	and	and	CCONJ
fbem-5882	2	56	the	the	DET
fbem-5882	2	57	internal	internal	ADJ
fbem-5882	2	58	management	management	NOUN
fbem-5882	2	59	environment	environment	NOUN
fbem-5882	2	60	of	of	ADP
fbem-5882	2	61	small	small	ADJ
fbem-5882	2	62	and	and	CCONJ
fbem-5882	2	63	medium	medium	ADJ
fbem-5882	2	64	-	-	PUNCT
fbem-5882	2	65	sized	sized	ADJ
fbem-5882	2	66	state	state	NOUN
fbem-5882	2	67	-	-	PUNCT
fbem-5882	2	68	owned	own	VERB
fbem-5882	2	69	commercial	commercial	ADJ
fbem-5882	2	70	banks	bank	NOUN
fbem-5882	2	71	in	in	ADP
fbem-5882	2	72	china	china	PROPN
fbem-5882	2	73	.	.	PUNCT
fbem-5882	3	1	through	through	ADP
fbem-5882	3	2	different	different	ADJ
fbem-5882	3	3	perspectives	perspective	NOUN
fbem-5882	3	4	,	,	PUNCT
fbem-5882	3	5	it	it	PRON
fbem-5882	3	6	analyzes	analyze	VERB
fbem-5882	3	7	the	the	DET
fbem-5882	3	8	advantages	advantage	NOUN
fbem-5882	3	9	and	and	CCONJ
fbem-5882	3	10	disadvantages	disadvantage	NOUN
fbem-5882	3	11	of	of	ADP
fbem-5882	3	12	traditional	traditional	ADJ
fbem-5882	3	13	commercial	commercial	ADJ
fbem-5882	3	14	banks	bank	NOUN
fbem-5882	3	15	,	,	PUNCT
fbem-5882	3	16	so	so	SCONJ
fbem-5882	3	17	as	as	SCONJ
fbem-5882	3	18	to	to	PART
fbem-5882	3	19	propose	propose	VERB
fbem-5882	3	20	relevant	relevant	ADJ
fbem-5882	3	21	digital	digital	ADJ
fbem-5882	3	22	transformation	transformation	NOUN
fbem-5882	3	23	countermeasures	countermeasure	NOUN
fbem-5882	3	24	for	for	ADP
fbem-5882	3	25	small	small	ADJ
fbem-5882	3	26	and	and	CCONJ
fbem-5882	3	27	medium	medium	ADJ
fbem-5882	3	28	-	-	PUNCT
fbem-5882	3	29	sized	sized	ADJ
fbem-5882	3	30	banks	bank	NOUN
fbem-5882	3	31	.	.	PUNCT
fbem-5882	4	1	keywords	keyword	NOUN
fbem-5882	4	2	:	:	PUNCT
fbem-5882	4	3	digital	digital	ADJ
fbem-5882	4	4	transformation	transformation	NOUN
fbem-5882	4	5	,	,	PUNCT
fbem-5882	4	6	strategy	strategy	NOUN
fbem-5882	4	7	positioning	positioning	NOUN
fbem-5882	4	8	,	,	PUNCT
fbem-5882	4	9	risk	risk	NOUN
fbem-5882	4	10	management	management	NOUN
fbem-5882	4	11	.	.	PUNCT
fbem-5882	5	1	1	1	X
fbem-5882	5	2	.	.	X
fbem-5882	5	3	introduction	introduction	NOUN
fbem-5882	5	4	with	with	ADP
fbem-5882	5	5	the	the	DET
fbem-5882	5	6	rapid	rapid	ADJ
fbem-5882	5	7	arrival	arrival	NOUN
fbem-5882	5	8	of	of	ADP
fbem-5882	5	9	the	the	DET
fbem-5882	5	10	whole	whole	ADJ
fbem-5882	5	11	wave	wave	NOUN
fbem-5882	5	12	of	of	ADP
fbem-5882	5	13	big	big	ADJ
fbem-5882	5	14	data	datum	NOUN
fbem-5882	5	15	era	era	NOUN
fbem-5882	5	16	and	and	CCONJ
fbem-5882	5	17	the	the	DET
fbem-5882	5	18	rapid	rapid	ADJ
fbem-5882	5	19	penetration	penetration	NOUN
fbem-5882	5	20	and	and	CCONJ
fbem-5882	5	21	development	development	NOUN
fbem-5882	5	22	of	of	ADP
fbem-5882	5	23	technology	technology	NOUN
fbem-5882	5	24	applications	application	NOUN
fbem-5882	5	25	,	,	PUNCT
fbem-5882	5	26	big	big	ADJ
fbem-5882	5	27	data	datum	NOUN
fbem-5882	5	28	has	have	AUX
fbem-5882	5	29	become	become	VERB
fbem-5882	5	30	a	a	DET
fbem-5882	5	31	manufacturing	manufacturing	NOUN
fbem-5882	5	32	factor	factor	NOUN
fbem-5882	5	33	for	for	ADP
fbem-5882	5	34	the	the	DET
fbem-5882	5	35	new	new	ADJ
fbem-5882	5	36	development	development	NOUN
fbem-5882	5	37	of	of	ADP
fbem-5882	5	38	society	society	NOUN
fbem-5882	5	39	,	,	PUNCT
fbem-5882	5	40	profoundly	profoundly	ADV
fbem-5882	5	41	affecting	affect	VERB
fbem-5882	5	42	the	the	DET
fbem-5882	5	43	integration	integration	NOUN
fbem-5882	5	44	and	and	CCONJ
fbem-5882	5	45	development	development	NOUN
fbem-5882	5	46	of	of	ADP
fbem-5882	5	47	many	many	ADJ
fbem-5882	5	48	enterprises	enterprise	NOUN
fbem-5882	5	49	and	and	CCONJ
fbem-5882	5	50	industries	industry	NOUN
fbem-5882	5	51	.	.	PUNCT
fbem-5882	6	1	and	and	CCONJ
fbem-5882	6	2	banks	bank	NOUN
fbem-5882	6	3	should	should	AUX
fbem-5882	6	4	bear	bear	VERB
fbem-5882	6	5	the	the	DET
fbem-5882	6	6	brunt	brunt	NOUN
fbem-5882	6	7	,	,	PUNCT
fbem-5882	6	8	constantly	constantly	ADV
fbem-5882	6	9	exploring	explore	VERB
fbem-5882	6	10	how	how	SCONJ
fbem-5882	6	11	to	to	PART
fbem-5882	6	12	make	make	VERB
fbem-5882	6	13	deeper	deep	ADJ
fbem-5882	6	14	changes	change	NOUN
fbem-5882	6	15	in	in	ADP
fbem-5882	6	16	the	the	DET
fbem-5882	6	17	context	context	NOUN
fbem-5882	6	18	of	of	ADP
fbem-5882	6	19	this	this	DET
fbem-5882	6	20	big	big	ADJ
fbem-5882	6	21	data	data	PROPN
fbem-5882	6	22	era	era	NOUN
fbem-5882	6	23	.	.	PUNCT
fbem-5882	7	1	compared	compare	VERB
fbem-5882	7	2	with	with	ADP
fbem-5882	7	3	all	all	DET
fbem-5882	7	4	kinds	kind	NOUN
fbem-5882	7	5	of	of	ADP
fbem-5882	7	6	traditional	traditional	ADJ
fbem-5882	7	7	bank	bank	NOUN
fbem-5882	7	8	deposits	deposit	NOUN
fbem-5882	7	9	whose	whose	DET
fbem-5882	7	10	interest	interest	NOUN
fbem-5882	7	11	rates	rate	NOUN
fbem-5882	7	12	are	be	AUX
fbem-5882	7	13	supervised	supervise	VERB
fbem-5882	7	14	by	by	ADP
fbem-5882	7	15	the	the	DET
fbem-5882	7	16	central	central	ADJ
fbem-5882	7	17	bank	bank	NOUN
fbem-5882	7	18	at	at	ADP
fbem-5882	7	19	present	present	ADJ
fbem-5882	7	20	,	,	PUNCT
fbem-5882	7	21	the	the	DET
fbem-5882	7	22	network	network	NOUN
fbem-5882	7	23	financial	financial	PROPN
fbem-5882	7	24	trust	trust	PROPN
fbem-5882	7	25	has	have	VERB
fbem-5882	7	26	many	many	ADJ
fbem-5882	7	27	characteristics	characteristic	NOUN
fbem-5882	7	28	,	,	PUNCT
fbem-5882	7	29	such	such	ADJ
fbem-5882	7	30	as	as	ADP
fbem-5882	7	31	market	market	NOUN
fbem-5882	7	32	-	-	PUNCT
fbem-5882	7	33	oriented	orient	VERB
fbem-5882	7	34	interest	interest	NOUN
fbem-5882	7	35	rates	rate	NOUN
fbem-5882	7	36	,	,	PUNCT
fbem-5882	7	37	flexible	flexible	ADJ
fbem-5882	7	38	and	and	CCONJ
fbem-5882	7	39	convenient	convenient	ADJ
fbem-5882	7	40	transactions	transaction	NOUN
fbem-5882	7	41	,	,	PUNCT
fbem-5882	7	42	and	and	CCONJ
fbem-5882	7	43	security	security	NOUN
fbem-5882	7	44	.	.	PUNCT
fbem-5882	8	1	since	since	SCONJ
fbem-5882	8	2	its	its	PRON
fbem-5882	8	3	introduction	introduction	NOUN
fbem-5882	8	4	,	,	PUNCT
fbem-5882	8	5	it	it	PRON
fbem-5882	8	6	has	have	AUX
fbem-5882	8	7	been	be	AUX
fbem-5882	8	8	continuously	continuously	ADV
fbem-5882	8	9	pursued	pursue	VERB
fbem-5882	8	10	by	by	ADP
fbem-5882	8	11	people	people	NOUN
fbem-5882	8	12	.	.	PUNCT
fbem-5882	9	1	the	the	DET
fbem-5882	9	2	rapid	rapid	ADJ
fbem-5882	9	3	development	development	NOUN
fbem-5882	9	4	of	of	ADP
fbem-5882	9	5	financial	financial	ADJ
fbem-5882	9	6	technology	technology	NOUN
fbem-5882	9	7	has	have	AUX
fbem-5882	9	8	greatly	greatly	ADV
fbem-5882	9	9	accelerated	accelerate	VERB
fbem-5882	9	10	the	the	DET
fbem-5882	9	11	process	process	NOUN
fbem-5882	9	12	of	of	ADP
fbem-5882	9	13	interest	interest	NOUN
fbem-5882	9	14	rate	rate	NOUN
fbem-5882	9	15	marketization	marketization	NOUN
fbem-5882	9	16	,	,	PUNCT
fbem-5882	9	17	which	which	PRON
fbem-5882	9	18	will	will	AUX
fbem-5882	9	19	inevitably	inevitably	ADV
fbem-5882	9	20	bring	bring	VERB
fbem-5882	9	21	huge	huge	ADJ
fbem-5882	9	22	impact	impact	NOUN
fbem-5882	9	23	to	to	ADP
fbem-5882	9	24	the	the	DET
fbem-5882	9	25	traditional	traditional	ADJ
fbem-5882	9	26	financial	financial	ADJ
fbem-5882	9	27	industry	industry	NOUN
fbem-5882	9	28	.	.	PUNCT
fbem-5882	10	1	the	the	DET
fbem-5882	10	2	booming	booming	ADJ
fbem-5882	10	3	financial	financial	ADJ
fbem-5882	10	4	technology	technology	NOUN
fbem-5882	10	5	has	have	AUX
fbem-5882	10	6	greatly	greatly	ADV
fbem-5882	10	7	accelerated	accelerate	VERB
fbem-5882	10	8	the	the	DET
fbem-5882	10	9	process	process	NOUN
fbem-5882	10	10	of	of	ADP
fbem-5882	10	11	interest	interest	NOUN
fbem-5882	10	12	rate	rate	NOUN
fbem-5882	10	13	marketization	marketization	NOUN
fbem-5882	10	14	,	,	PUNCT
fbem-5882	10	15	so	so	SCONJ
fbem-5882	10	16	it	it	PRON
fbem-5882	10	17	inevitably	inevitably	ADV
fbem-5882	10	18	has	have	VERB
fbem-5882	10	19	an	an	DET
fbem-5882	10	20	impact	impact	NOUN
fbem-5882	10	21	on	on	ADP
fbem-5882	10	22	the	the	DET
fbem-5882	10	23	traditional	traditional	ADJ
fbem-5882	10	24	financial	financial	ADJ
fbem-5882	10	25	industry	industry	NOUN
fbem-5882	10	26	.	.	PUNCT
fbem-5882	11	1	at	at	ADP
fbem-5882	11	2	present	present	ADJ
fbem-5882	11	3	,	,	PUNCT
fbem-5882	11	4	most	most	ADJ
fbem-5882	11	5	commercial	commercial	ADJ
fbem-5882	11	6	banks	bank	NOUN
fbem-5882	11	7	in	in	ADP
fbem-5882	11	8	small	small	ADJ
fbem-5882	11	9	and	and	CCONJ
fbem-5882	11	10	mediumsized	mediumsized	ADJ
fbem-5882	11	11	cities	city	NOUN
fbem-5882	11	12	in	in	ADP
fbem-5882	11	13	china	china	PROPN
fbem-5882	11	14	are	be	AUX
fbem-5882	11	15	still	still	ADV
fbem-5882	11	16	at	at	ADP
fbem-5882	11	17	the	the	DET
fbem-5882	11	18	edge	edge	NOUN
fbem-5882	11	19	of	of	ADP
fbem-5882	11	20	relative	relative	ADJ
fbem-5882	11	21	disadvantage	disadvantage	NOUN
fbem-5882	11	22	or	or	CCONJ
fbem-5882	11	23	within	within	ADP
fbem-5882	11	24	a	a	DET
fbem-5882	11	25	special	special	ADJ
fbem-5882	11	26	vulnerable	vulnerable	ADJ
fbem-5882	11	27	level	level	NOUN
fbem-5882	11	28	in	in	ADP
fbem-5882	11	29	the	the	DET
fbem-5882	11	30	process	process	NOUN
fbem-5882	11	31	of	of	ADP
fbem-5882	11	32	upgrading	upgrade	VERB
fbem-5882	11	33	the	the	DET
fbem-5882	11	34	innovation	innovation	NOUN
fbem-5882	11	35	and	and	CCONJ
fbem-5882	11	36	development	development	NOUN
fbem-5882	11	37	of	of	ADP
fbem-5882	11	38	the	the	DET
fbem-5882	11	39	banking	banking	NOUN
fbem-5882	11	40	industry	industry	NOUN
fbem-5882	11	41	,	,	PUNCT
fbem-5882	11	42	and	and	CCONJ
fbem-5882	11	43	have	have	VERB
fbem-5882	11	44	the	the	DET
fbem-5882	11	45	characteristics	characteristic	NOUN
fbem-5882	11	46	of	of	ADP
fbem-5882	11	47	small	small	ADJ
fbem-5882	11	48	business	business	NOUN
fbem-5882	11	49	scale	scale	NOUN
fbem-5882	11	50	,	,	PUNCT
fbem-5882	11	51	weak	weak	ADJ
fbem-5882	11	52	business	business	NOUN
fbem-5882	11	53	channel	channel	NOUN
fbem-5882	11	54	network	network	NOUN
fbem-5882	11	55	area	area	NOUN
fbem-5882	11	56	,	,	PUNCT
fbem-5882	11	57	and	and	CCONJ
fbem-5882	11	58	generally	generally	ADV
fbem-5882	11	59	low	low	ADJ
fbem-5882	11	60	overall	overall	ADJ
fbem-5882	11	61	efficiency	efficiency	NOUN
fbem-5882	11	62	,	,	PUNCT
fbem-5882	11	63	small	small	ADJ
fbem-5882	11	64	and	and	CCONJ
fbem-5882	11	65	medium	medium	ADJ
fbem-5882	11	66	-	-	PUNCT
fbem-5882	11	67	sized	sized	ADJ
fbem-5882	11	68	commercial	commercial	ADJ
fbem-5882	11	69	banks	bank	NOUN
fbem-5882	11	70	and	and	CCONJ
fbem-5882	11	71	micro	micro	PROPN
fbem-5882	11	72	commercial	commercial	ADJ
fbem-5882	11	73	banks	bank	NOUN
fbem-5882	11	74	really	really	ADV
fbem-5882	11	75	need	need	VERB
fbem-5882	11	76	to	to	PART
fbem-5882	11	77	carry	carry	VERB
fbem-5882	11	78	out	out	ADP
fbem-5882	11	79	their	their	PRON
fbem-5882	11	80	business	business	NOUN
fbem-5882	11	81	structure	structure	NOUN
fbem-5882	11	82	digital	digital	ADJ
fbem-5882	11	83	restructuring	restructuring	NOUN
fbem-5882	11	84	,	,	PUNCT
fbem-5882	11	85	optimization	optimization	NOUN
fbem-5882	11	86	,	,	PUNCT
fbem-5882	11	87	transformation	transformation	NOUN
fbem-5882	11	88	,	,	PUNCT
fbem-5882	11	89	adjustment	adjustment	NOUN
fbem-5882	11	90	and	and	CCONJ
fbem-5882	11	91	development	development	NOUN
fbem-5882	11	92	in	in	ADP
fbem-5882	11	93	a	a	DET
fbem-5882	11	94	timely	timely	ADJ
fbem-5882	11	95	manner	manner	NOUN
fbem-5882	11	96	,	,	PUNCT
fbem-5882	11	97	and	and	CCONJ
fbem-5882	11	98	re	re	AUX
fbem-5882	11	99	rationally	rationally	ADV
fbem-5882	11	100	carry	carry	VERB
fbem-5882	11	101	out	out	ADP
fbem-5882	11	102	product	product	NOUN
fbem-5882	11	103	market	market	NOUN
fbem-5882	11	104	development	development	NOUN
fbem-5882	11	105	and	and	CCONJ
fbem-5882	11	106	price	price	NOUN
fbem-5882	11	107	positioning	positioning	NOUN
fbem-5882	11	108	.	.	PUNCT
fbem-5882	12	1	2	2	X
fbem-5882	12	2	.	.	X
fbem-5882	12	3	research	research	NOUN
fbem-5882	12	4	status	status	NOUN
fbem-5882	12	5	and	and	CCONJ
fbem-5882	12	6	overview	overview	VERB
fbem-5882	12	7	the	the	DET
fbem-5882	12	8	internet	internet	NOUN
fbem-5882	12	9	financial	financial	ADJ
fbem-5882	12	10	model	model	NOUN
fbem-5882	12	11	has	have	AUX
fbem-5882	12	12	been	be	AUX
fbem-5882	12	13	gradually	gradually	ADV
fbem-5882	12	14	improved	improve	VERB
fbem-5882	12	15	and	and	CCONJ
fbem-5882	12	16	optimized	optimize	VERB
fbem-5882	12	17	in	in	ADP
fbem-5882	12	18	some	some	DET
fbem-5882	12	19	core	core	NOUN
fbem-5882	12	20	functions	function	NOUN
fbem-5882	12	21	,	,	PUNCT
fbem-5882	12	22	replacing	replace	VERB
fbem-5882	12	23	the	the	DET
fbem-5882	12	24	former	former	ADJ
fbem-5882	12	25	capital	capital	NOUN
fbem-5882	12	26	banks	bank	NOUN
fbem-5882	12	27	of	of	ADP
fbem-5882	12	28	financial	financial	ADJ
fbem-5882	12	29	institutions	institution	NOUN
fbem-5882	12	30	to	to	PART
fbem-5882	12	31	directly	directly	ADV
fbem-5882	12	32	provide	provide	VERB
fbem-5882	12	33	financing	financing	NOUN
fbem-5882	12	34	,	,	PUNCT
fbem-5882	12	35	payment	payment	NOUN
fbem-5882	12	36	,	,	PUNCT
fbem-5882	12	37	investment	investment	NOUN
fbem-5882	12	38	banking	banking	NOUN
fbem-5882	12	39	and	and	CCONJ
fbem-5882	12	40	other	other	ADJ
fbem-5882	12	41	financial	financial	ADJ
fbem-5882	12	42	information	information	NOUN
fbem-5882	12	43	intermediary	intermediary	NOUN
fbem-5882	12	44	banking	banking	NOUN
fbem-5882	12	45	services	service	NOUN
fbem-5882	12	46	,	,	PUNCT
fbem-5882	12	47	which	which	PRON
fbem-5882	12	48	has	have	AUX
fbem-5882	12	49	also	also	ADV
fbem-5882	12	50	had	have	VERB
fbem-5882	12	51	a	a	DET
fbem-5882	12	52	certain	certain	ADJ
fbem-5882	12	53	impact	impact	NOUN
fbem-5882	12	54	on	on	ADP
fbem-5882	12	55	the	the	DET
fbem-5882	12	56	financial	financial	ADJ
fbem-5882	12	57	service	service	NOUN
fbem-5882	12	58	model	model	NOUN
fbem-5882	12	59	of	of	ADP
fbem-5882	12	60	many	many	ADJ
fbem-5882	12	61	small	small	ADJ
fbem-5882	12	62	and	and	CCONJ
fbem-5882	12	63	medium	medium	ADJ
fbem-5882	12	64	-	-	PUNCT
fbem-5882	12	65	sized	sized	ADJ
fbem-5882	12	66	state	state	NOUN
fbem-5882	12	67	-	-	PUNCT
fbem-5882	12	68	owned	own	VERB
fbem-5882	12	69	commercial	commercial	ADJ
fbem-5882	12	70	banks	bank	NOUN
fbem-5882	12	71	in	in	ADP
fbem-5882	12	72	china	china	PROPN
fbem-5882	12	73	and	and	CCONJ
fbem-5882	12	74	the	the	DET
fbem-5882	12	75	vast	vast	ADJ
fbem-5882	12	76	domestic	domestic	NOUN
fbem-5882	12	77	.	.	PUNCT
fbem-5882	13	1	in	in	ADP
fbem-5882	13	2	order	order	NOUN
fbem-5882	13	3	to	to	PART
fbem-5882	13	4	continue	continue	VERB
fbem-5882	13	5	to	to	PART
fbem-5882	13	6	realize	realize	VERB
fbem-5882	13	7	the	the	DET
fbem-5882	13	8	safe	safe	ADJ
fbem-5882	13	9	,	,	PUNCT
fbem-5882	13	10	efficient	efficient	ADJ
fbem-5882	13	11	and	and	CCONJ
fbem-5882	13	12	orderly	orderly	ADJ
fbem-5882	13	13	operation	operation	NOUN
fbem-5882	13	14	of	of	ADP
fbem-5882	13	15	banks	bank	NOUN
fbem-5882	13	16	in	in	ADP
fbem-5882	13	17	the	the	DET
fbem-5882	13	18	future	future	NOUN
fbem-5882	13	19	and	and	CCONJ
fbem-5882	13	20	promote	promote	VERB
fbem-5882	13	21	the	the	DET
fbem-5882	13	22	sustainable	sustainable	ADJ
fbem-5882	13	23	development	development	NOUN
fbem-5882	13	24	of	of	ADP
fbem-5882	13	25	the	the	DET
fbem-5882	13	26	banking	banking	NOUN
fbem-5882	13	27	economy	economy	NOUN
fbem-5882	13	28	,	,	PUNCT
fbem-5882	13	29	small	small	ADJ
fbem-5882	13	30	and	and	CCONJ
fbem-5882	13	31	medium	medium	ADJ
fbem-5882	13	32	-	-	PUNCT
fbem-5882	13	33	sized	sized	ADJ
fbem-5882	13	34	commercial	commercial	ADJ
fbem-5882	13	35	banks	bank	NOUN
fbem-5882	13	36	have	have	AUX
fbem-5882	13	37	also	also	ADV
fbem-5882	13	38	actively	actively	ADV
fbem-5882	13	39	pursued	pursue	VERB
fbem-5882	13	40	their	their	PRON
fbem-5882	13	41	own	own	ADJ
fbem-5882	13	42	transformation	transformation	NOUN
fbem-5882	13	43	.	.	PUNCT
fbem-5882	14	1	at	at	ADP
fbem-5882	14	2	this	this	DET
fbem-5882	14	3	stage	stage	NOUN
fbem-5882	14	4	,	,	PUNCT
fbem-5882	14	5	the	the	DET
fbem-5882	14	6	rapid	rapid	ADJ
fbem-5882	14	7	development	development	NOUN
fbem-5882	14	8	of	of	ADP
fbem-5882	14	9	a	a	DET
fbem-5882	14	10	large	large	ADJ
fbem-5882	14	11	number	number	NOUN
fbem-5882	14	12	of	of	ADP
fbem-5882	14	13	small	small	ADJ
fbem-5882	14	14	and	and	CCONJ
fbem-5882	14	15	medium	medium	ADJ
fbem-5882	14	16	-	-	PUNCT
fbem-5882	14	17	sized	sized	ADJ
fbem-5882	14	18	enterprises	enterprise	NOUN
fbem-5882	14	19	'	'	PART
fbem-5882	14	20	economic	economic	ADJ
fbem-5882	14	21	organizations	organization	NOUN
fbem-5882	14	22	will	will	AUX
fbem-5882	14	23	greatly	greatly	ADV
fbem-5882	14	24	promote	promote	VERB
fbem-5882	14	25	the	the	DET
fbem-5882	14	26	efficiency	efficiency	NOUN
fbem-5882	14	27	of	of	ADP
fbem-5882	14	28	financial	financial	ADJ
fbem-5882	14	29	business	business	NOUN
fbem-5882	14	30	and	and	CCONJ
fbem-5882	14	31	improve	improve	VERB
fbem-5882	14	32	the	the	DET
fbem-5882	14	33	development	development	NOUN
fbem-5882	14	34	efficiency	efficiency	NOUN
fbem-5882	14	35	of	of	ADP
fbem-5882	14	36	china	china	PROPN
fbem-5882	14	37	's	's	PART
fbem-5882	14	38	entire	entire	ADJ
fbem-5882	14	39	financial	financial	ADJ
fbem-5882	14	40	economy	economy	NOUN
fbem-5882	14	41	,	,	PUNCT
fbem-5882	14	42	and	and	CCONJ
fbem-5882	14	43	will	will	AUX
fbem-5882	14	44	also	also	ADV
fbem-5882	14	45	help	help	VERB
fbem-5882	14	46	to	to	PART
fbem-5882	14	47	accelerate	accelerate	VERB
fbem-5882	14	48	the	the	DET
fbem-5882	14	49	overall	overall	ADJ
fbem-5882	14	50	and	and	CCONJ
fbem-5882	14	51	continuous	continuous	ADJ
fbem-5882	14	52	reform	reform	NOUN
fbem-5882	14	53	and	and	CCONJ
fbem-5882	14	54	innovation	innovation	NOUN
fbem-5882	14	55	system	system	NOUN
fbem-5882	14	56	of	of	ADP
fbem-5882	14	57	china	china	PROPN
fbem-5882	14	58	's	's	PART
fbem-5882	14	59	entire	entire	ADJ
fbem-5882	14	60	financial	financial	ADJ
fbem-5882	14	61	system	system	NOUN
fbem-5882	14	62	structure	structure	NOUN
fbem-5882	14	63	and	and	CCONJ
fbem-5882	14	64	the	the	DET
fbem-5882	14	65	innovation	innovation	NOUN
fbem-5882	14	66	of	of	ADP
fbem-5882	14	67	financial	financial	ADJ
fbem-5882	14	68	industry	industry	NOUN
fbem-5882	14	69	's	's	PART
fbem-5882	14	70	scientific	scientific	ADJ
fbem-5882	14	71	and	and	CCONJ
fbem-5882	14	72	technological	technological	ADJ
fbem-5882	14	73	system	system	NOUN
fbem-5882	14	74	,	,	PUNCT
fbem-5882	14	75	and	and	CCONJ
fbem-5882	14	76	promote	promote	VERB
fbem-5882	14	77	the	the	DET
fbem-5882	14	78	overall	overall	ADJ
fbem-5882	14	79	structure	structure	NOUN
fbem-5882	14	80	of	of	ADP
fbem-5882	14	81	the	the	DET
fbem-5882	14	82	entire	entire	ADJ
fbem-5882	14	83	domestic	domestic	ADJ
fbem-5882	14	84	monetary	monetary	ADJ
fbem-5882	14	85	and	and	CCONJ
fbem-5882	14	86	financial	financial	ADJ
fbem-5882	14	87	industry	industry	NOUN
fbem-5882	14	88	to	to	PART
fbem-5882	14	89	enter	enter	VERB
fbem-5882	14	90	the	the	DET
fbem-5882	14	91	process	process	NOUN
fbem-5882	14	92	of	of	ADP
fbem-5882	14	93	fully	fully	ADV
fbem-5882	14	94	free	free	ADJ
fbem-5882	14	95	market	market	NOUN
fbem-5882	14	96	operation	operation	NOUN
fbem-5882	14	97	.	.	PUNCT
fbem-5882	15	1	to	to	PART
fbem-5882	15	2	help	help	VERB
fbem-5882	15	3	the	the	DET
fbem-5882	15	4	construction	construction	NOUN
fbem-5882	15	5	of	of	ADP
fbem-5882	15	6	the	the	DET
fbem-5882	15	7	digital	digital	ADJ
fbem-5882	15	8	factor	factor	NOUN
fbem-5882	15	9	market	market	NOUN
fbem-5882	15	10	,	,	PUNCT
fbem-5882	15	11	so	so	SCONJ
fbem-5882	15	12	as	as	SCONJ
fbem-5882	15	13	to	to	PART
fbem-5882	15	14	open	open	VERB
fbem-5882	15	15	the	the	DET
fbem-5882	15	16	black	black	ADJ
fbem-5882	15	17	box	box	NOUN
fbem-5882	15	18	of	of	ADP
fbem-5882	15	19	the	the	DET
fbem-5882	15	20	data	datum	NOUN
fbem-5882	15	21	market	market	NOUN
fbem-5882	15	22	,	,	PUNCT
fbem-5882	15	23	form	form	VERB
fbem-5882	15	24	social	social	ADJ
fbem-5882	15	25	cooperation	cooperation	NOUN
fbem-5882	15	26	and	and	CCONJ
fbem-5882	15	27	build	build	VERB
fbem-5882	15	28	a	a	DET
fbem-5882	15	29	digital	digital	ADJ
fbem-5882	15	30	industry	industry	NOUN
fbem-5882	15	31	chain	chain	NOUN
fbem-5882	15	32	.	.	PUNCT
fbem-5882	16	1	this	this	DET
fbem-5882	16	2	work	work	NOUN
fbem-5882	16	3	is	be	AUX
fbem-5882	16	4	not	not	PART
fbem-5882	16	5	only	only	ADV
fbem-5882	16	6	conducive	conducive	ADJ
fbem-5882	16	7	to	to	ADP
fbem-5882	16	8	expanding	expand	VERB
fbem-5882	16	9	the	the	DET
fbem-5882	16	10	current	current	ADJ
fbem-5882	16	11	effective	effective	ADJ
fbem-5882	16	12	investment	investment	NOUN
fbem-5882	16	13	,	,	PUNCT
fbem-5882	16	14	but	but	CCONJ
fbem-5882	16	15	also	also	ADV
fbem-5882	16	16	can	can	AUX
fbem-5882	16	17	consolidate	consolidate	VERB
fbem-5882	16	18	the	the	DET
fbem-5882	16	19	development	development	NOUN
fbem-5882	16	20	foundation	foundation	NOUN
fbem-5882	16	21	of	of	ADP
fbem-5882	16	22	the	the	DET
fbem-5882	16	23	future	future	ADJ
fbem-5882	16	24	digital	digital	ADJ
fbem-5882	16	25	economy	economy	NOUN
fbem-5882	16	26	.	.	PUNCT
fbem-5882	17	1	90	90	NUM
fbem-5882	17	2	3	3	NUM
fbem-5882	17	3	.	.	PUNCT
fbem-5882	17	4	core	core	NOUN
fbem-5882	17	5	concepts	concept	NOUN
fbem-5882	17	6	the	the	DET
fbem-5882	17	7	technology	technology	NOUN
fbem-5882	17	8	transformation	transformation	NOUN
fbem-5882	17	9	and	and	CCONJ
fbem-5882	17	10	innovation	innovation	NOUN
fbem-5882	17	11	of	of	ADP
fbem-5882	17	12	digital	digital	ADJ
fbem-5882	17	13	services	service	NOUN
fbem-5882	17	14	refers	refer	VERB
fbem-5882	17	15	to	to	ADP
fbem-5882	17	16	another	another	DET
fbem-5882	17	17	kind	kind	NOUN
fbem-5882	17	18	of	of	ADP
fbem-5882	17	19	business	business	NOUN
fbem-5882	17	20	innovation	innovation	NOUN
fbem-5882	17	21	in	in	ADP
fbem-5882	17	22	the	the	DET
fbem-5882	17	23	form	form	NOUN
fbem-5882	17	24	of	of	ADP
fbem-5882	17	25	digital	digital	ADJ
fbem-5882	17	26	technology	technology	NOUN
fbem-5882	17	27	application	application	NOUN
fbem-5882	17	28	and	and	CCONJ
fbem-5882	17	29	development	development	NOUN
fbem-5882	17	30	and	and	CCONJ
fbem-5882	17	31	traditional	traditional	ADJ
fbem-5882	17	32	new	new	ADJ
fbem-5882	17	33	business	business	NOUN
fbem-5882	17	34	forms	form	NOUN
fbem-5882	17	35	,	,	PUNCT
fbem-5882	17	36	which	which	PRON
fbem-5882	17	37	is	be	AUX
fbem-5882	17	38	more	more	ADV
fbem-5882	17	39	comprehensive	comprehensive	ADJ
fbem-5882	17	40	and	and	CCONJ
fbem-5882	17	41	widely	widely	ADV
fbem-5882	17	42	integrated	integrate	VERB
fbem-5882	17	43	and	and	CCONJ
fbem-5882	17	44	intersected	intersect	VERB
fbem-5882	17	45	.	.	PUNCT
fbem-5882	18	1	the	the	DET
fbem-5882	18	2	digital	digital	PROPN
fbem-5882	18	3	service	service	NOUN
fbem-5882	18	4	management	management	NOUN
fbem-5882	18	5	concept	concept	NOUN
fbem-5882	18	6	is	be	AUX
fbem-5882	18	7	another	another	DET
fbem-5882	18	8	in	in	ADP
fbem-5882	18	9	-	-	PUNCT
fbem-5882	18	10	depth	depth	NOUN
fbem-5882	18	11	and	and	CCONJ
fbem-5882	18	12	comprehensive	comprehensive	ADJ
fbem-5882	18	13	information	information	NOUN
fbem-5882	18	14	interaction	interaction	NOUN
fbem-5882	18	15	based	base	VERB
fbem-5882	18	16	on	on	ADP
fbem-5882	18	17	a	a	DET
fbem-5882	18	18	new	new	ADJ
fbem-5882	18	19	technology	technology	NOUN
fbem-5882	18	20	system	system	NOUN
fbem-5882	18	21	and	and	CCONJ
fbem-5882	18	22	a	a	DET
fbem-5882	18	23	new	new	ADJ
fbem-5882	18	24	business	business	NOUN
fbem-5882	18	25	system	system	NOUN
fbem-5882	18	26	.	.	PUNCT
fbem-5882	19	1	the	the	DET
fbem-5882	19	2	definition	definition	NOUN
fbem-5882	19	3	of	of	ADP
fbem-5882	19	4	bank	bank	NOUN
fbem-5882	19	5	size	size	NOUN
fbem-5882	19	6	is	be	AUX
fbem-5882	19	7	generally	generally	ADV
fbem-5882	19	8	based	base	VERB
fbem-5882	19	9	on	on	ADP
fbem-5882	19	10	the	the	DET
fbem-5882	19	11	amount	amount	NOUN
fbem-5882	19	12	of	of	ADP
fbem-5882	19	13	assets	asset	NOUN
fbem-5882	19	14	.	.	PUNCT
fbem-5882	20	1	in	in	ADP
fbem-5882	20	2	china	china	PROPN
fbem-5882	20	3	,	,	PUNCT
fbem-5882	20	4	small	small	ADJ
fbem-5882	20	5	and	and	CCONJ
fbem-5882	20	6	medium	medium	ADJ
fbem-5882	20	7	-	-	PUNCT
fbem-5882	20	8	sized	sized	ADJ
fbem-5882	20	9	commercial	commercial	ADJ
fbem-5882	20	10	banks	bank	NOUN
fbem-5882	20	11	refer	refer	VERB
fbem-5882	20	12	to	to	ADP
fbem-5882	20	13	national	national	ADJ
fbem-5882	20	14	commercial	commercial	ADJ
fbem-5882	20	15	banks	bank	NOUN
fbem-5882	20	16	,	,	PUNCT
fbem-5882	20	17	regional	regional	ADJ
fbem-5882	20	18	joint	joint	ADJ
fbem-5882	20	19	-	-	PUNCT
fbem-5882	20	20	stock	stock	NOUN
fbem-5882	20	21	commercial	commercial	ADJ
fbem-5882	20	22	banks	bank	NOUN
fbem-5882	20	23	and	and	CCONJ
fbem-5882	20	24	urban	urban	ADJ
fbem-5882	20	25	commercial	commercial	ADJ
fbem-5882	20	26	banks	bank	NOUN
fbem-5882	20	27	(	(	PUNCT
fbem-5882	20	28	including	include	VERB
fbem-5882	20	29	urban	urban	ADJ
fbem-5882	20	30	credit	credit	NOUN
fbem-5882	20	31	cooperatives	cooperative	NOUN
fbem-5882	20	32	and	and	CCONJ
fbem-5882	20	33	rural	rural	ADJ
fbem-5882	20	34	credit	credit	NOUN
fbem-5882	20	35	cooperatives	cooperative	NOUN
fbem-5882	20	36	)	)	PUNCT
fbem-5882	20	37	other	other	ADJ
fbem-5882	20	38	than	than	ADP
fbem-5882	20	39	the	the	DET
fbem-5882	20	40	five	five	NUM
fbem-5882	20	41	major	major	ADJ
fbem-5882	20	42	commercial	commercial	ADJ
fbem-5882	20	43	banks	bank	NOUN
fbem-5882	20	44	of	of	ADP
fbem-5882	20	45	icbc(industrial	icbc(industrial	ADJ
fbem-5882	20	46	and	and	CCONJ
fbem-5882	20	47	commercial	commercial	ADJ
fbem-5882	20	48	bank	bank	PROPN
fbem-5882	20	49	of	of	ADP
fbem-5882	20	50	china	china	PROPN
fbem-5882	20	51	)	)	PUNCT
fbem-5882	20	52	,	,	PUNCT
fbem-5882	20	53	abc(agricultural	abc(agricultural	PROPN
fbem-5882	20	54	bank	bank	PROPN
fbem-5882	20	55	of	of	ADP
fbem-5882	20	56	china	china	PROPN
fbem-5882	20	57	)	)	PUNCT
fbem-5882	20	58	,	,	PUNCT
fbem-5882	20	59	ccb(china	ccb(china	X
fbem-5882	20	60	construction	construction	PROPN
fbem-5882	20	61	bank	bank	PROPN
fbem-5882	20	62	)	)	PUNCT
fbem-5882	20	63	and	and	CCONJ
fbem-5882	20	64	bocom(bank	bocom(bank	PROPN
fbem-5882	20	65	of	of	ADP
fbem-5882	20	66	communications),boc(bank	communications),boc(bank	PROPN
fbem-5882	20	67	of	of	ADP
fbem-5882	20	68	china	china	PROPN
fbem-5882	20	69	)	)	PUNCT
fbem-5882	20	70	.	.	PUNCT
fbem-5882	21	1	internet	internet	NOUN
fbem-5882	21	2	financial	financial	ADJ
fbem-5882	21	3	business	business	NOUN
fbem-5882	21	4	mainly	mainly	ADV
fbem-5882	21	5	refers	refer	VERB
fbem-5882	21	6	to	to	ADP
fbem-5882	21	7	a	a	DET
fbem-5882	21	8	kind	kind	NOUN
fbem-5882	21	9	of	of	ADP
fbem-5882	21	10	domestic	domestic	ADJ
fbem-5882	21	11	traditional	traditional	ADJ
fbem-5882	21	12	internet	internet	NOUN
fbem-5882	21	13	financial	financial	ADJ
fbem-5882	21	14	institutions	institution	NOUN
fbem-5882	21	15	,	,	PUNCT
fbem-5882	21	16	enterprises	enterprise	NOUN
fbem-5882	21	17	and	and	CCONJ
fbem-5882	21	18	foreign	foreign	ADJ
fbem-5882	21	19	large	large	ADJ
fbem-5882	21	20	internet	internet	NOUN
fbem-5882	21	21	enterprises	enterprise	NOUN
fbem-5882	21	22	that	that	PRON
fbem-5882	21	23	use	use	VERB
fbem-5882	21	24	new	new	ADJ
fbem-5882	21	25	internet	internet	NOUN
fbem-5882	21	26	technology	technology	NOUN
fbem-5882	21	27	product	product	NOUN
fbem-5882	21	28	platforms	platform	NOUN
fbem-5882	21	29	,	,	PUNCT
fbem-5882	21	30	related	related	ADJ
fbem-5882	21	31	network	network	NOUN
fbem-5882	21	32	information	information	NOUN
fbem-5882	21	33	services	service	NOUN
fbem-5882	21	34	and	and	CCONJ
fbem-5882	21	35	related	related	ADJ
fbem-5882	21	36	communication	communication	NOUN
fbem-5882	21	37	transmission	transmission	NOUN
fbem-5882	21	38	network	network	NOUN
fbem-5882	21	39	technology	technology	NOUN
fbem-5882	21	40	equipment	equipment	NOUN
fbem-5882	21	41	to	to	PART
fbem-5882	21	42	achieve	achieve	VERB
fbem-5882	21	43	centralized	centralized	ADJ
fbem-5882	21	44	financing	financing	NOUN
fbem-5882	21	45	,	,	PUNCT
fbem-5882	21	46	payment	payment	NOUN
fbem-5882	21	47	this	this	DET
fbem-5882	21	48	series	series	NOUN
fbem-5882	21	49	of	of	ADP
fbem-5882	21	50	new	new	ADJ
fbem-5882	21	51	network	network	NOUN
fbem-5882	21	52	traditional	traditional	ADJ
fbem-5882	21	53	financial	financial	ADJ
fbem-5882	21	54	business	business	NOUN
fbem-5882	21	55	models	model	NOUN
fbem-5882	21	56	of	of	ADP
fbem-5882	21	57	investment	investment	NOUN
fbem-5882	21	58	and	and	CCONJ
fbem-5882	21	59	other	other	ADJ
fbem-5882	21	60	transaction	transaction	NOUN
fbem-5882	21	61	services	service	NOUN
fbem-5882	21	62	and	and	CCONJ
fbem-5882	21	63	other	other	ADJ
fbem-5882	21	64	intermediary	intermediary	ADJ
fbem-5882	21	65	valueadded	valueadde	VERB
fbem-5882	21	66	service	service	NOUN
fbem-5882	21	67	functions	function	NOUN
fbem-5882	21	68	such	such	ADJ
fbem-5882	21	69	as	as	ADP
fbem-5882	21	70	various	various	ADJ
fbem-5882	21	71	internet	internet	NOUN
fbem-5882	21	72	information	information	NOUN
fbem-5882	21	73	products	product	NOUN
fbem-5882	21	74	.	.	PUNCT
fbem-5882	22	1	4	4	X
fbem-5882	22	2	.	.	NOUN
fbem-5882	22	3	case	case	NOUN
fbem-5882	22	4	analysis	analysis	NOUN
fbem-5882	22	5	established	establish	VERB
fbem-5882	22	6	in	in	ADP
fbem-5882	22	7	august	august	PROPN
fbem-5882	22	8	1992	1992	NUM
fbem-5882	22	9	,	,	PUNCT
fbem-5882	22	10	china	china	PROPN
fbem-5882	22	11	everbright	everbright	PROPN
fbem-5882	22	12	bank	bank	PROPN
fbem-5882	22	13	is	be	AUX
fbem-5882	22	14	the	the	DET
fbem-5882	22	15	first	first	ADJ
fbem-5882	22	16	joint	joint	ADJ
fbem-5882	22	17	-	-	PUNCT
fbem-5882	22	18	stock	stock	NOUN
fbem-5882	22	19	commercial	commercial	ADJ
fbem-5882	22	20	bank	bank	PROPN
fbem-5882	22	21	in	in	ADP
fbem-5882	22	22	china	china	PROPN
fbem-5882	22	23	approved	approve	VERB
fbem-5882	22	24	by	by	ADP
fbem-5882	22	25	the	the	DET
fbem-5882	22	26	ministry	ministry	PROPN
fbem-5882	22	27	of	of	ADP
fbem-5882	22	28	finance	finance	PROPN
fbem-5882	22	29	,	,	PUNCT
fbem-5882	22	30	the	the	DET
fbem-5882	22	31	state	state	NOUN
fbem-5882	22	32	council	council	PROPN
fbem-5882	22	33	and	and	CCONJ
fbem-5882	22	34	the	the	DET
fbem-5882	22	35	people	people	NOUN
fbem-5882	22	36	's	's	PART
fbem-5882	22	37	bank	bank	PROPN
fbem-5882	22	38	of	of	ADP
fbem-5882	22	39	china	china	PROPN
fbem-5882	22	40	.	.	PUNCT
fbem-5882	23	1	it	it	PRON
fbem-5882	23	2	is	be	AUX
fbem-5882	23	3	headquartered	headquarter	VERB
fbem-5882	23	4	in	in	ADP
fbem-5882	23	5	beijing	beijing	PROPN
fbem-5882	23	6	.	.	PUNCT
fbem-5882	24	1	by	by	ADP
fbem-5882	24	2	the	the	DET
fbem-5882	24	3	end	end	NOUN
fbem-5882	24	4	of	of	ADP
fbem-5882	24	5	2021	2021	NUM
fbem-5882	24	6	,	,	PUNCT
fbem-5882	24	7	china	china	PROPN
fbem-5882	24	8	everbright	everbright	PROPN
fbem-5882	24	9	bank	bank	PROPN
fbem-5882	24	10	has	have	AUX
fbem-5882	24	11	established	establish	VERB
fbem-5882	24	12	1304	1304	NUM
fbem-5882	24	13	branches	branch	NOUN
fbem-5882	24	14	nationwide	nationwide	ADV
fbem-5882	24	15	,	,	PUNCT
fbem-5882	24	16	and	and	CCONJ
fbem-5882	24	17	achieved	achieve	VERB
fbem-5882	24	18	network	network	NOUN
fbem-5882	24	19	business	business	NOUN
fbem-5882	24	20	throughout	throughout	ADP
fbem-5882	24	21	the	the	DET
fbem-5882	24	22	province	province	NOUN
fbem-5882	24	23	.	.	PUNCT
fbem-5882	25	1	at	at	ADP
fbem-5882	25	2	present	present	ADJ
fbem-5882	25	3	,	,	PUNCT
fbem-5882	25	4	the	the	DET
fbem-5882	25	5	company	company	NOUN
fbem-5882	25	6	's	's	PART
fbem-5882	25	7	business	business	NOUN
fbem-5882	25	8	network	network	NOUN
fbem-5882	25	9	covers	cover	VERB
fbem-5882	25	10	more	more	ADJ
fbem-5882	25	11	than	than	ADP
fbem-5882	25	12	150	150	NUM
fbem-5882	25	13	major	major	ADJ
fbem-5882	25	14	economic	economic	ADJ
fbem-5882	25	15	centers	center	NOUN
fbem-5882	25	16	in	in	ADP
fbem-5882	25	17	china	china	PROPN
fbem-5882	25	18	.	.	PUNCT
fbem-5882	26	1	china	china	PROPN
fbem-5882	26	2	everbright	everbright	PROPN
fbem-5882	26	3	bank	bank	PROPN
fbem-5882	26	4	ranked	rank	VERB
fbem-5882	26	5	32nd	32nd	ADV
fbem-5882	26	6	among	among	ADP
fbem-5882	26	7	the	the	DET
fbem-5882	26	8	"	"	PUNCT
fbem-5882	26	9	global	global	ADJ
fbem-5882	26	10	1000	1000	NUM
fbem-5882	26	11	banks	bank	NOUN
fbem-5882	26	12	"	"	PUNCT
fbem-5882	26	13	in	in	ADP
fbem-5882	26	14	2021	2021	NUM
fbem-5882	26	15	,	,	PUNCT
fbem-5882	26	16	and	and	CCONJ
fbem-5882	26	17	25th	25th	NOUN
fbem-5882	26	18	among	among	ADP
fbem-5882	26	19	the	the	DET
fbem-5882	26	20	"	"	PUNCT
fbem-5882	26	21	global	global	ADJ
fbem-5882	26	22	500	500	NUM
fbem-5882	26	23	banks	bank	NOUN
fbem-5882	26	24	with	with	ADP
fbem-5882	26	25	brand	brand	NOUN
fbem-5882	26	26	value	value	NOUN
fbem-5882	26	27	"	"	PUNCT
fbem-5882	26	28	in	in	ADP
fbem-5882	26	29	2021	2021	NUM
fbem-5882	26	30	.	.	PUNCT
fbem-5882	27	1	this	this	DET
fbem-5882	27	2	paper	paper	NOUN
fbem-5882	27	3	is	be	AUX
fbem-5882	27	4	based	base	VERB
fbem-5882	27	5	on	on	ADP
fbem-5882	27	6	swot	swot	PROPN
fbem-5882	27	7	analysis	analysis	NOUN
fbem-5882	27	8	,	,	PUNCT
fbem-5882	27	9	that	that	ADV
fbem-5882	27	10	is	is	ADV
fbem-5882	27	11	,	,	PUNCT
fbem-5882	27	12	through	through	ADP
fbem-5882	27	13	the	the	DET
fbem-5882	27	14	analysis	analysis	NOUN
fbem-5882	27	15	of	of	ADP
fbem-5882	27	16	the	the	DET
fbem-5882	27	17	current	current	ADJ
fbem-5882	27	18	characteristics	characteristic	NOUN
fbem-5882	27	19	of	of	ADP
fbem-5882	27	20	the	the	DET
fbem-5882	27	21	external	external	ADJ
fbem-5882	27	22	environment	environment	NOUN
fbem-5882	27	23	of	of	ADP
fbem-5882	27	24	internet	internet	NOUN
fbem-5882	27	25	finance	finance	NOUN
fbem-5882	27	26	and	and	CCONJ
fbem-5882	27	27	the	the	DET
fbem-5882	27	28	basic	basic	ADJ
fbem-5882	27	29	situation	situation	NOUN
fbem-5882	27	30	in	in	ADP
fbem-5882	27	31	the	the	DET
fbem-5882	27	32	internal	internal	ADJ
fbem-5882	27	33	financing	financing	NOUN
fbem-5882	27	34	environment	environment	NOUN
fbem-5882	27	35	of	of	ADP
fbem-5882	27	36	domestic	domestic	ADJ
fbem-5882	27	37	and	and	CCONJ
fbem-5882	27	38	foreign	foreign	ADJ
fbem-5882	27	39	small	small	ADJ
fbem-5882	27	40	and	and	CCONJ
fbem-5882	27	41	medium	medium	ADJ
fbem-5882	27	42	-	-	PUNCT
fbem-5882	27	43	sized	sized	ADJ
fbem-5882	27	44	commercial	commercial	ADJ
fbem-5882	27	45	banks	bank	NOUN
fbem-5882	27	46	,	,	PUNCT
fbem-5882	27	47	it	it	PRON
fbem-5882	27	48	lists	list	VERB
fbem-5882	27	49	the	the	DET
fbem-5882	27	50	internal	internal	ADJ
fbem-5882	27	51	strengths	strength	NOUN
fbem-5882	27	52	,	,	PUNCT
fbem-5882	27	53	weaknesses	weakness	NOUN
fbem-5882	27	54	,	,	PUNCT
fbem-5882	27	55	and	and	CCONJ
fbem-5882	27	56	opportunities	opportunity	NOUN
fbem-5882	27	57	and	and	CCONJ
fbem-5882	27	58	threats	threat	NOUN
fbem-5882	27	59	brought	bring	VERB
fbem-5882	27	60	by	by	ADP
fbem-5882	27	61	external	external	ADJ
fbem-5882	27	62	competition	competition	NOUN
fbem-5882	27	63	of	of	ADP
fbem-5882	27	64	various	various	ADJ
fbem-5882	27	65	major	major	ADJ
fbem-5882	27	66	domestic	domestic	ADJ
fbem-5882	27	67	and	and	CCONJ
fbem-5882	27	68	foreign	foreign	ADJ
fbem-5882	27	69	financing	financing	NOUN
fbem-5882	27	70	resources	resource	NOUN
fbem-5882	27	71	currently	currently	ADV
fbem-5882	27	72	owned	own	VERB
fbem-5882	27	73	by	by	ADP
fbem-5882	27	74	small	small	ADJ
fbem-5882	27	75	and	and	CCONJ
fbem-5882	27	76	medium	medium	ADJ
fbem-5882	27	77	-	-	PUNCT
fbem-5882	27	78	sized	sized	ADJ
fbem-5882	27	79	commercial	commercial	ADJ
fbem-5882	27	80	banks	bank	NOUN
fbem-5882	27	81	,	,	PUNCT
fbem-5882	27	82	and	and	CCONJ
fbem-5882	27	83	according	accord	VERB
fbem-5882	27	84	to	to	ADP
fbem-5882	27	85	the	the	DET
fbem-5882	27	86	matrix	matrix	NOUN
fbem-5882	27	87	form	form	NOUN
fbem-5882	27	88	,	,	PUNCT
fbem-5882	27	89	we	we	PRON
fbem-5882	27	90	can	can	AUX
fbem-5882	27	91	get	get	VERB
fbem-5882	27	92	the	the	DET
fbem-5882	27	93	corresponding	corresponding	ADJ
fbem-5882	27	94	conclusion	conclusion	NOUN
fbem-5882	27	95	.	.	PUNCT
fbem-5882	28	1	as	as	SCONJ
fbem-5882	28	2	shown	show	VERB
fbem-5882	28	3	in	in	ADP
fbem-5882	28	4	table	table	NOUN
fbem-5882	28	5	1	1	NUM
fbem-5882	28	6	.	.	PUNCT
fbem-5882	29	1	it	it	PRON
fbem-5882	29	2	can	can	AUX
fbem-5882	29	3	be	be	AUX
fbem-5882	29	4	clearly	clearly	ADV
fbem-5882	29	5	seen	see	VERB
fbem-5882	29	6	that	that	SCONJ
fbem-5882	29	7	the	the	DET
fbem-5882	29	8	advantages	advantage	NOUN
fbem-5882	29	9	include	include	VERB
fbem-5882	29	10	:	:	PUNCT
fbem-5882	29	11	customer	customer	NOUN
fbem-5882	29	12	resources	resource	NOUN
fbem-5882	29	13	,	,	PUNCT
fbem-5882	29	14	regional	regional	ADJ
fbem-5882	29	15	advantages	advantage	NOUN
fbem-5882	29	16	,	,	PUNCT
fbem-5882	29	17	scale	scale	NOUN
fbem-5882	29	18	advantages	advantage	NOUN
fbem-5882	29	19	,	,	PUNCT
fbem-5882	29	20	and	and	CCONJ
fbem-5882	29	21	a	a	DET
fbem-5882	29	22	sound	sound	ADJ
fbem-5882	29	23	risk	risk	NOUN
fbem-5882	29	24	management	management	NOUN
fbem-5882	29	25	system	system	NOUN
fbem-5882	29	26	;	;	PUNCT
fbem-5882	29	27	disadvantages	disadvantage	VERB
fbem-5882	29	28	:	:	PUNCT
fbem-5882	29	29	low	low	ADJ
fbem-5882	29	30	network	network	NOUN
fbem-5882	29	31	coverage	coverage	NOUN
fbem-5882	29	32	,	,	PUNCT
fbem-5882	29	33	limited	limited	ADJ
fbem-5882	29	34	business	business	NOUN
fbem-5882	29	35	areas	area	NOUN
fbem-5882	29	36	,	,	PUNCT
fbem-5882	29	37	high	high	ADJ
fbem-5882	29	38	operating	operating	NOUN
fbem-5882	29	39	costs	cost	NOUN
fbem-5882	29	40	,	,	PUNCT
fbem-5882	29	41	cumbersome	cumbersome	ADJ
fbem-5882	29	42	business	business	NOUN
fbem-5882	29	43	processes	process	NOUN
fbem-5882	29	44	,	,	PUNCT
fbem-5882	29	45	poor	poor	ADJ
fbem-5882	29	46	user	user	NOUN
fbem-5882	29	47	experience	experience	NOUN
fbem-5882	29	48	,	,	PUNCT
fbem-5882	29	49	and	and	CCONJ
fbem-5882	29	50	rigid	rigid	ADJ
fbem-5882	29	51	systems	system	NOUN
fbem-5882	29	52	;	;	PUNCT
fbem-5882	29	53	opportunities	opportunity	NOUN
fbem-5882	29	54	include	include	VERB
fbem-5882	29	55	:	:	PUNCT
fbem-5882	29	56	the	the	DET
fbem-5882	29	57	development	development	NOUN
fbem-5882	29	58	of	of	ADP
fbem-5882	29	59	internet	internet	NOUN
fbem-5882	29	60	technology	technology	NOUN
fbem-5882	29	61	promotes	promote	VERB
fbem-5882	29	62	the	the	DET
fbem-5882	29	63	transformation	transformation	NOUN
fbem-5882	29	64	of	of	ADP
fbem-5882	29	65	small	small	ADJ
fbem-5882	29	66	and	and	CCONJ
fbem-5882	29	67	medium	medium	ADJ
fbem-5882	29	68	-	-	PUNCT
fbem-5882	29	69	sized	sized	ADJ
fbem-5882	29	70	commercial	commercial	ADJ
fbem-5882	29	71	banks	bank	NOUN
fbem-5882	29	72	,	,	PUNCT
fbem-5882	29	73	provides	provide	VERB
fbem-5882	29	74	financing	financing	NOUN
fbem-5882	29	75	channels	channel	NOUN
fbem-5882	29	76	,	,	PUNCT
fbem-5882	29	77	and	and	CCONJ
fbem-5882	29	78	improves	improve	VERB
fbem-5882	29	79	the	the	DET
fbem-5882	29	80	efficiency	efficiency	NOUN
fbem-5882	29	81	of	of	ADP
fbem-5882	29	82	resource	resource	NOUN
fbem-5882	29	83	allocation	allocation	NOUN
fbem-5882	29	84	;	;	PUNCT
fbem-5882	29	85	threats	threat	NOUN
fbem-5882	29	86	include	include	VERB
fbem-5882	29	87	:	:	PUNCT
fbem-5882	29	88	financial	financial	ADJ
fbem-5882	29	89	disintermediation	disintermediation	NOUN
fbem-5882	29	90	,	,	PUNCT
fbem-5882	29	91	fierce	fierce	ADJ
fbem-5882	29	92	competition	competition	NOUN
fbem-5882	29	93	in	in	ADP
fbem-5882	29	94	interest	interest	NOUN
fbem-5882	29	95	rate	rate	NOUN
fbem-5882	29	96	marketization	marketization	NOUN
fbem-5882	29	97	industry	industry	NOUN
fbem-5882	29	98	,	,	PUNCT
fbem-5882	29	99	impact	impact	NOUN
fbem-5882	29	100	of	of	ADP
fbem-5882	29	101	internet	internet	NOUN
fbem-5882	29	102	financial	financial	ADJ
fbem-5882	29	103	model	model	NOUN
fbem-5882	29	104	,	,	PUNCT
fbem-5882	29	105	and	and	CCONJ
fbem-5882	29	106	loss	loss	NOUN
fbem-5882	29	107	of	of	ADP
fbem-5882	29	108	customers	customer	NOUN
fbem-5882	29	109	;	;	PUNCT
fbem-5882	29	110	through	through	ADP
fbem-5882	29	111	the	the	DET
fbem-5882	29	112	matrix	matrix	NOUN
fbem-5882	29	113	form	form	NOUN
fbem-5882	29	114	,	,	PUNCT
fbem-5882	29	115	we	we	PRON
fbem-5882	29	116	think	think	VERB
fbem-5882	29	117	that	that	SCONJ
fbem-5882	29	118	the	the	DET
fbem-5882	29	119	general	general	ADJ
fbem-5882	29	120	idea	idea	NOUN
fbem-5882	29	121	can	can	AUX
fbem-5882	29	122	be	be	AUX
fbem-5882	29	123	analyzed	analyze	VERB
fbem-5882	29	124	and	and	CCONJ
fbem-5882	29	125	summarized	summarize	VERB
fbem-5882	29	126	in	in	ADP
fbem-5882	29	127	this	this	DET
fbem-5882	29	128	way	way	NOUN
fbem-5882	29	129	.	.	PUNCT
fbem-5882	30	1	the	the	DET
fbem-5882	30	2	so	so	ADJ
fbem-5882	30	3	strategy	strategy	NOUN
fbem-5882	30	4	is	be	AUX
fbem-5882	30	5	to	to	PART
fbem-5882	30	6	give	give	VERB
fbem-5882	30	7	full	full	ADJ
fbem-5882	30	8	play	play	NOUN
fbem-5882	30	9	to	to	ADP
fbem-5882	30	10	its	its	PRON
fbem-5882	30	11	competitive	competitive	ADJ
fbem-5882	30	12	advantages	advantage	NOUN
fbem-5882	30	13	and	and	CCONJ
fbem-5882	30	14	take	take	VERB
fbem-5882	30	15	advantage	advantage	NOUN
fbem-5882	30	16	of	of	ADP
fbem-5882	30	17	various	various	ADJ
fbem-5882	30	18	favorable	favorable	ADJ
fbem-5882	30	19	opportunities	opportunity	NOUN
fbem-5882	30	20	in	in	ADP
fbem-5882	30	21	the	the	DET
fbem-5882	30	22	market	market	NOUN
fbem-5882	30	23	to	to	PART
fbem-5882	30	24	overcome	overcome	VERB
fbem-5882	30	25	threats	threat	NOUN
fbem-5882	30	26	;	;	PUNCT
fbem-5882	30	27	the	the	DET
fbem-5882	30	28	wo	will	AUX
fbem-5882	30	29	strategy	strategy	NOUN
fbem-5882	30	30	is	be	AUX
fbem-5882	30	31	to	to	PART
fbem-5882	30	32	grasp	grasp	VERB
fbem-5882	30	33	the	the	DET
fbem-5882	30	34	market	market	NOUN
fbem-5882	30	35	opportunities	opportunity	NOUN
fbem-5882	30	36	and	and	CCONJ
fbem-5882	30	37	overcome	overcome	VERB
fbem-5882	30	38	various	various	ADJ
fbem-5882	30	39	disadvantages	disadvantage	NOUN
fbem-5882	30	40	;	;	PUNCT
fbem-5882	30	41	st	st	PROPN
fbem-5882	30	42	strategy	strategy	NOUN
fbem-5882	30	43	is	be	AUX
fbem-5882	30	44	to	to	PART
fbem-5882	30	45	use	use	VERB
fbem-5882	30	46	its	its	PRON
fbem-5882	30	47	own	own	ADJ
fbem-5882	30	48	competitive	competitive	ADJ
fbem-5882	30	49	advantages	advantage	NOUN
fbem-5882	30	50	to	to	PART
fbem-5882	30	51	deal	deal	VERB
fbem-5882	30	52	with	with	ADP
fbem-5882	30	53	potential	potential	ADJ
fbem-5882	30	54	market	market	NOUN
fbem-5882	30	55	competition	competition	NOUN
fbem-5882	30	56	threats	threat	NOUN
fbem-5882	30	57	;	;	PUNCT
fbem-5882	30	58	the	the	DET
fbem-5882	30	59	wt	wt	NOUN
fbem-5882	30	60	strategy	strategy	NOUN
fbem-5882	30	61	is	be	AUX
fbem-5882	30	62	to	to	PART
fbem-5882	30	63	reduce	reduce	VERB
fbem-5882	30	64	its	its	PRON
fbem-5882	30	65	own	own	ADJ
fbem-5882	30	66	disadvantages	disadvantage	NOUN
fbem-5882	30	67	and	and	CCONJ
fbem-5882	30	68	transform	transform	VERB
fbem-5882	30	69	the	the	DET
fbem-5882	30	70	market	market	NOUN
fbem-5882	30	71	threat	threat	NOUN
fbem-5882	30	72	.	.	PUNCT
fbem-5882	31	1	table	table	NOUN
fbem-5882	31	2	1	1	NUM
fbem-5882	31	3	.	.	PUNCT
fbem-5882	31	4	swot	swot	VERB
fbem-5882	31	5	analysis	analysis	NOUN
fbem-5882	31	6	of	of	ADP
fbem-5882	31	7	small	small	ADJ
fbem-5882	31	8	and	and	CCONJ
fbem-5882	31	9	medium	medium	ADJ
fbem-5882	31	10	commercial	commercial	ADJ
fbem-5882	31	11	banks[1	banks[1	NOUN
fbem-5882	31	12	]	]	X
fbem-5882	31	13	external	external	ADJ
fbem-5882	31	14	analysis	analysis	NOUN
fbem-5882	31	15	internal	internal	ADJ
fbem-5882	31	16	analysis	analysis	NOUN
fbem-5882	31	17	strength	strength	NOUN
fbem-5882	31	18	weakness	weakness	NOUN
fbem-5882	31	19	customer	customer	NOUN
fbem-5882	31	20	resources	resource	NOUN
fbem-5882	31	21	;	;	PUNCT
fbem-5882	31	22	regional	regional	ADJ
fbem-5882	31	23	advantages	advantage	NOUN
fbem-5882	31	24	;	;	PUNCT
fbem-5882	31	25	scale	scale	NOUN
fbem-5882	31	26	advantage	advantage	NOUN
fbem-5882	31	27	;	;	PUNCT
fbem-5882	31	28	perfect	perfect	ADJ
fbem-5882	31	29	risk	risk	NOUN
fbem-5882	31	30	management	management	NOUN
fbem-5882	31	31	system	system	NOUN
fbem-5882	31	32	low	low	ADJ
fbem-5882	31	33	network	network	NOUN
fbem-5882	31	34	coverage	coverage	NOUN
fbem-5882	31	35	;	;	PUNCT
fbem-5882	31	36	limited	limited	ADJ
fbem-5882	31	37	business	business	NOUN
fbem-5882	31	38	area	area	NOUN
fbem-5882	31	39	;	;	PUNCT
fbem-5882	31	40	high	high	ADJ
fbem-5882	31	41	operating	operating	NOUN
fbem-5882	31	42	costs	cost	NOUN
fbem-5882	31	43	;	;	PUNCT
fbem-5882	31	44	the	the	DET
fbem-5882	31	45	business	business	NOUN
fbem-5882	31	46	process	process	NOUN
fbem-5882	31	47	is	be	AUX
fbem-5882	31	48	complicated	complicated	ADJ
fbem-5882	31	49	;	;	PUNCT
fbem-5882	31	50	poor	poor	ADJ
fbem-5882	31	51	user	user	NOUN
fbem-5882	31	52	experience	experience	NOUN
fbem-5882	31	53	;	;	PUNCT
fbem-5882	31	54	institutional	institutional	ADJ
fbem-5882	31	55	rigidity	rigidity	NOUN
fbem-5882	31	56	opportunity	opportunity	NOUN
fbem-5882	31	57	give	give	VERB
fbem-5882	31	58	play	play	NOUN
fbem-5882	31	59	to	to	ADP
fbem-5882	31	60	advantages	advantage	NOUN
fbem-5882	31	61	and	and	CCONJ
fbem-5882	31	62	take	take	VERB
fbem-5882	31	63	advantage	advantage	NOUN
fbem-5882	31	64	of	of	ADP
fbem-5882	31	65	opportunities	opportunity	NOUN
fbem-5882	31	66	seize	seize	VERB
fbem-5882	31	67	opportunities	opportunity	NOUN
fbem-5882	31	68	and	and	CCONJ
fbem-5882	31	69	overcome	overcome	VERB
fbem-5882	31	70	disadvantages	disadvantage	NOUN
fbem-5882	31	71	the	the	DET
fbem-5882	31	72	development	development	NOUN
fbem-5882	31	73	of	of	ADP
fbem-5882	31	74	internet	internet	NOUN
fbem-5882	31	75	technology	technology	NOUN
fbem-5882	31	76	promotes	promote	VERB
fbem-5882	31	77	the	the	DET
fbem-5882	31	78	transformation	transformation	NOUN
fbem-5882	31	79	of	of	ADP
fbem-5882	31	80	small	small	ADJ
fbem-5882	31	81	and	and	CCONJ
fbem-5882	31	82	medium	medium	ADJ
fbem-5882	31	83	-	-	PUNCT
fbem-5882	31	84	sized	sized	ADJ
fbem-5882	31	85	commercial	commercial	ADJ
fbem-5882	31	86	banks	bank	NOUN
fbem-5882	31	87	;	;	PUNCT
fbem-5882	31	88	provide	provide	VERB
fbem-5882	31	89	financing	financing	NOUN
fbem-5882	31	90	channels	channel	NOUN
fbem-5882	31	91	;	;	PUNCT
fbem-5882	31	92	improve	improve	VERB
fbem-5882	31	93	resource	resource	NOUN
fbem-5882	31	94	allocation	allocation	NOUN
fbem-5882	31	95	efficiency	efficiency	NOUN
fbem-5882	31	96	thrests	threst	NOUN
fbem-5882	31	97	use	use	VERB
fbem-5882	31	98	advantages	advantage	NOUN
fbem-5882	31	99	to	to	PART
fbem-5882	31	100	deal	deal	VERB
fbem-5882	31	101	with	with	ADP
fbem-5882	31	102	threats	threat	NOUN
fbem-5882	31	103	reduce	reduce	VERB
fbem-5882	31	104	disadvantages	disadvantage	NOUN
fbem-5882	31	105	and	and	CCONJ
fbem-5882	31	106	transform	transform	VERB
fbem-5882	31	107	threats	threat	NOUN
fbem-5882	31	108	financial	financial	ADJ
fbem-5882	31	109	disintermediation	disintermediation	NOUN
fbem-5882	31	110	;	;	PUNCT
fbem-5882	31	111	the	the	DET
fbem-5882	31	112	interest	interest	NOUN
fbem-5882	31	113	rate	rate	NOUN
fbem-5882	31	114	marketization	marketization	NOUN
fbem-5882	31	115	industry	industry	NOUN
fbem-5882	31	116	is	be	AUX
fbem-5882	31	117	highly	highly	ADV
fbem-5882	31	118	competitive	competitive	ADJ
fbem-5882	31	119	;	;	PUNCT
fbem-5882	31	120	impact	impact	NOUN
fbem-5882	31	121	of	of	ADP
fbem-5882	31	122	internet	internet	NOUN
fbem-5882	31	123	financial	financial	ADJ
fbem-5882	31	124	model	model	NOUN
fbem-5882	31	125	;	;	PUNCT
fbem-5882	31	126	customer	customer	NOUN
fbem-5882	31	127	churn	churn	NOUN
fbem-5882	31	128	first	first	ADV
fbem-5882	31	129	of	of	ADP
fbem-5882	31	130	all	all	PRON
fbem-5882	31	131	,	,	PUNCT
fbem-5882	31	132	the	the	DET
fbem-5882	31	133	innovation	innovation	NOUN
fbem-5882	31	134	team	team	NOUN
fbem-5882	31	135	of	of	ADP
fbem-5882	31	136	everbright	everbright	PROPN
fbem-5882	31	137	bank	bank	PROPN
fbem-5882	31	138	,	,	PUNCT
fbem-5882	31	139	by	by	ADP
fbem-5882	31	140	implementing	implement	VERB
fbem-5882	31	141	a	a	DET
fbem-5882	31	142	variety	variety	NOUN
fbem-5882	31	143	of	of	ADP
fbem-5882	31	144	technological	technological	ADJ
fbem-5882	31	145	project	project	NOUN
fbem-5882	31	146	innovation	innovation	NOUN
fbem-5882	31	147	and	and	CCONJ
fbem-5882	31	148	incubation	incubation	NOUN
fbem-5882	31	149	technology	technology	NOUN
fbem-5882	31	150	measures	measure	NOUN
fbem-5882	31	151	,	,	PUNCT
fbem-5882	31	152	such	such	ADJ
fbem-5882	31	153	as	as	ADP
fbem-5882	31	154	direct	direct	ADJ
fbem-5882	31	155	innovation	innovation	NOUN
fbem-5882	31	156	,	,	PUNCT
fbem-5882	31	157	closed	closed	ADJ
fbem-5882	31	158	-	-	PUNCT
fbem-5882	31	159	loop	loop	NOUN
fbem-5882	31	160	project	project	NOUN
fbem-5882	31	161	operation	operation	NOUN
fbem-5882	31	162	,	,	PUNCT
fbem-5882	31	163	and	and	CCONJ
fbem-5882	31	164	results	result	VERB
fbem-5882	31	165	incubation	incubation	NOUN
fbem-5882	31	166	,	,	PUNCT
fbem-5882	31	167	has	have	AUX
fbem-5882	31	168	provided	provide	VERB
fbem-5882	31	169	a	a	DET
fbem-5882	31	170	channel	channel	NOUN
fbem-5882	31	171	for	for	ADP
fbem-5882	31	172	recycling	recycle	VERB
fbem-5882	31	173	technology	technology	NOUN
fbem-5882	31	174	and	and	CCONJ
fbem-5882	31	175	an	an	DET
fbem-5882	31	176	innovative	innovative	ADJ
fbem-5882	31	177	application	application	NOUN
fbem-5882	31	178	platform	platform	NOUN
fbem-5882	31	179	for	for	ADP
fbem-5882	31	180	scientific	scientific	ADJ
fbem-5882	31	181	and	and	CCONJ
fbem-5882	31	182	technological	technological	ADJ
fbem-5882	31	183	products	product	NOUN
fbem-5882	31	184	in	in	ADP
fbem-5882	31	185	the	the	DET
fbem-5882	31	186	process	process	NOUN
fbem-5882	31	187	of	of	ADP
fbem-5882	31	188	scientific	scientific	ADJ
fbem-5882	31	189	research	research	NOUN
fbem-5882	31	190	and	and	CCONJ
fbem-5882	31	191	development	development	NOUN
fbem-5882	31	192	of	of	ADP
fbem-5882	31	193	enterprise	enterprise	NOUN
fbem-5882	31	194	's	's	PART
fbem-5882	31	195	new	new	ADJ
fbem-5882	31	196	technological	technological	ADJ
fbem-5882	31	197	achievements	achievement	NOUN
fbem-5882	31	198	transformation	transformation	NOUN
fbem-5882	31	199	and	and	CCONJ
fbem-5882	31	200	specific	specific	ADJ
fbem-5882	31	201	product	product	NOUN
fbem-5882	31	202	transformation	transformation	NOUN
fbem-5882	31	203	and	and	CCONJ
fbem-5882	31	204	application	application	NOUN
fbem-5882	31	205	innovation	innovation	NOUN
fbem-5882	31	206	,	,	PUNCT
fbem-5882	31	207	and	and	CCONJ
fbem-5882	31	208	has	have	AUX
fbem-5882	31	209	91	91	NUM
fbem-5882	31	210	established	establish	VERB
fbem-5882	31	211	a	a	DET
fbem-5882	31	212	sound	sound	NOUN
fbem-5882	31	213	scientific	scientific	ADJ
fbem-5882	31	214	and	and	CCONJ
fbem-5882	31	215	agile	agile	ADJ
fbem-5882	31	216	innovation	innovation	NOUN
fbem-5882	31	217	research	research	NOUN
fbem-5882	31	218	and	and	CCONJ
fbem-5882	31	219	development	development	NOUN
fbem-5882	31	220	process	process	NOUN
fbem-5882	31	221	system	system	NOUN
fbem-5882	31	222	organization	organization	NOUN
fbem-5882	31	223	in	in	ADP
fbem-5882	31	224	combination	combination	NOUN
fbem-5882	31	225	with	with	ADP
fbem-5882	31	226	innovation	innovation	NOUN
fbem-5882	31	227	practice	practice	NOUN
fbem-5882	31	228	,	,	PUNCT
fbem-5882	31	229	insisting	insist	VERB
fbem-5882	31	230	on	on	ADP
fbem-5882	31	231	building	build	VERB
fbem-5882	31	232	a	a	DET
fbem-5882	31	233	set	set	NOUN
fbem-5882	31	234	of	of	ADP
fbem-5882	31	235	r&d	r&d	NOUN
fbem-5882	31	236	organization	organization	NOUN
fbem-5882	31	237	ideas	idea	NOUN
fbem-5882	31	238	with	with	ADP
fbem-5882	31	239	innovative	innovative	ADJ
fbem-5882	31	240	technology	technology	NOUN
fbem-5882	31	241	and	and	CCONJ
fbem-5882	31	242	optimizing	optimize	VERB
fbem-5882	31	243	efficiency	efficiency	NOUN
fbem-5882	31	244	as	as	ADP
fbem-5882	31	245	the	the	DET
fbem-5882	31	246	key	key	ADJ
fbem-5882	31	247	objectives	objective	NOUN
fbem-5882	31	248	.	.	PUNCT
fbem-5882	32	1	on	on	ADP
fbem-5882	32	2	this	this	DET
fbem-5882	32	3	basis	basis	NOUN
fbem-5882	32	4	,	,	PUNCT
fbem-5882	32	5	everbright	everbright	PROPN
fbem-5882	32	6	bank	bank	PROPN
fbem-5882	32	7	has	have	AUX
fbem-5882	32	8	also	also	ADV
fbem-5882	32	9	registered	register	VERB
fbem-5882	32	10	a	a	DET
fbem-5882	32	11	financial	financial	ADJ
fbem-5882	32	12	technology	technology	NOUN
fbem-5882	32	13	company	company	NOUN
fbem-5882	32	14	and	and	CCONJ
fbem-5882	32	15	qingdao	qingdao	PROPN
fbem-5882	32	16	science	science	PROPN
fbem-5882	32	17	and	and	CCONJ
fbem-5882	32	18	technology	technology	NOUN
fbem-5882	32	19	research	research	NOUN
fbem-5882	32	20	and	and	CCONJ
fbem-5882	32	21	development	development	NOUN
fbem-5882	32	22	center	center	NOUN
fbem-5882	32	23	,	,	PUNCT
fbem-5882	32	24	set	set	VERB
fbem-5882	32	25	up	up	ADP
fbem-5882	32	26	,	,	PUNCT
fbem-5882	32	27	managed	manage	VERB
fbem-5882	32	28	and	and	CCONJ
fbem-5882	32	29	operated	operate	VERB
fbem-5882	32	30	a	a	DET
fbem-5882	32	31	special	special	ADJ
fbem-5882	32	32	development	development	NOUN
fbem-5882	32	33	fund	fund	NOUN
fbem-5882	32	34	for	for	ADP
fbem-5882	32	35	financial	financial	ADJ
fbem-5882	32	36	technology	technology	NOUN
fbem-5882	32	37	,	,	PUNCT
fbem-5882	32	38	and	and	CCONJ
fbem-5882	32	39	provided	provide	VERB
fbem-5882	32	40	maximum	maximum	ADJ
fbem-5882	32	41	effective	effective	ADJ
fbem-5882	32	42	guarantee	guarantee	NOUN
fbem-5882	32	43	for	for	ADP
fbem-5882	32	44	promoting	promote	VERB
fbem-5882	32	45	innovation	innovation	NOUN
fbem-5882	32	46	in	in	ADP
fbem-5882	32	47	financial	financial	ADJ
fbem-5882	32	48	industry	industry	NOUN
fbem-5882	32	49	technology	technology	NOUN
fbem-5882	32	50	and	and	CCONJ
fbem-5882	32	51	service	service	NOUN
fbem-5882	32	52	model	model	NOUN
fbem-5882	32	53	.	.	PUNCT
fbem-5882	33	1	secondly	secondly	ADV
fbem-5882	33	2	,	,	PUNCT
fbem-5882	33	3	we	we	PRON
fbem-5882	33	4	further	far	ADV
fbem-5882	33	5	promoted	promote	VERB
fbem-5882	33	6	the	the	DET
fbem-5882	33	7	construction	construction	NOUN
fbem-5882	33	8	of	of	ADP
fbem-5882	33	9	cloud	cloud	NOUN
fbem-5882	33	10	computing	computing	NOUN
fbem-5882	33	11	platform	platform	NOUN
fbem-5882	33	12	,	,	PUNCT
fbem-5882	33	13	and	and	CCONJ
fbem-5882	33	14	optimized	optimize	VERB
fbem-5882	33	15	and	and	CCONJ
fbem-5882	33	16	upgraded	upgrade	VERB
fbem-5882	33	17	the	the	DET
fbem-5882	33	18	technology	technology	NOUN
fbem-5882	33	19	and	and	CCONJ
fbem-5882	33	20	service	service	NOUN
fbem-5882	33	21	mode	mode	NOUN
fbem-5882	33	22	of	of	ADP
fbem-5882	33	23	existing	exist	VERB
fbem-5882	33	24	enterprise	enterprise	NOUN
fbem-5882	33	25	it	it	PRON
fbem-5882	33	26	technology	technology	NOUN
fbem-5882	33	27	.	.	PUNCT
fbem-5882	34	1	since	since	SCONJ
fbem-5882	34	2	2012	2012	NUM
fbem-5882	34	3	,	,	PUNCT
fbem-5882	34	4	based	base	VERB
fbem-5882	34	5	on	on	ADP
fbem-5882	34	6	virtual	virtual	ADJ
fbem-5882	34	7	technology	technology	NOUN
fbem-5882	34	8	,	,	PUNCT
fbem-5882	34	9	everbright	everbright	PROPN
fbem-5882	34	10	bank	bank	PROPN
fbem-5882	34	11	has	have	AUX
fbem-5882	34	12	gradually	gradually	ADV
fbem-5882	34	13	completed	complete	VERB
fbem-5882	34	14	the	the	DET
fbem-5882	34	15	development	development	NOUN
fbem-5882	34	16	and	and	CCONJ
fbem-5882	34	17	construction	construction	NOUN
fbem-5882	34	18	of	of	ADP
fbem-5882	34	19	private	private	ADJ
fbem-5882	34	20	cloud	cloud	NOUN
fbem-5882	34	21	and	and	CCONJ
fbem-5882	34	22	product	product	NOUN
fbem-5882	34	23	cloud	cloud	NOUN
fbem-5882	34	24	of	of	ADP
fbem-5882	34	25	everbright	everbright	ADJ
fbem-5882	34	26	head	head	NOUN
fbem-5882	34	27	office	office	NOUN
fbem-5882	34	28	,	,	PUNCT
fbem-5882	34	29	continuously	continuously	ADV
fbem-5882	34	30	improved	improve	VERB
fbem-5882	34	31	its	its	PRON
fbem-5882	34	32	own	own	ADJ
fbem-5882	34	33	technology	technology	NOUN
fbem-5882	34	34	and	and	CCONJ
fbem-5882	34	35	technology	technology	NOUN
fbem-5882	34	36	management	management	NOUN
fbem-5882	34	37	level	level	NOUN
fbem-5882	34	38	,	,	PUNCT
fbem-5882	34	39	and	and	CCONJ
fbem-5882	34	40	provided	provide	VERB
fbem-5882	34	41	customers	customer	NOUN
fbem-5882	34	42	with	with	ADP
fbem-5882	34	43	its	its	PRON
fbem-5882	34	44	own	own	ADJ
fbem-5882	34	45	core	core	NOUN
fbem-5882	34	46	interests	interest	NOUN
fbem-5882	34	47	in	in	ADP
fbem-5882	34	48	terms	term	NOUN
fbem-5882	34	49	of	of	ADP
fbem-5882	34	50	constantly	constantly	ADV
fbem-5882	34	51	improving	improve	VERB
fbem-5882	34	52	its	its	PRON
fbem-5882	34	53	own	own	ADJ
fbem-5882	34	54	technology	technology	NOUN
fbem-5882	34	55	innovation	innovation	NOUN
fbem-5882	34	56	and	and	CCONJ
fbem-5882	34	57	technology	technology	NOUN
fbem-5882	34	58	operation	operation	NOUN
fbem-5882	34	59	.	.	PUNCT
fbem-5882	35	1	moreover	moreover	ADV
fbem-5882	35	2	,	,	PUNCT
fbem-5882	35	3	we	we	PRON
fbem-5882	35	4	will	will	AUX
fbem-5882	35	5	promote	promote	VERB
fbem-5882	35	6	the	the	DET
fbem-5882	35	7	platform	platform	NOUN
fbem-5882	35	8	strategy	strategy	NOUN
fbem-5882	35	9	to	to	PART
fbem-5882	35	10	promote	promote	VERB
fbem-5882	35	11	the	the	DET
fbem-5882	35	12	transformation	transformation	NOUN
fbem-5882	35	13	of	of	ADP
fbem-5882	35	14	the	the	DET
fbem-5882	35	15	company	company	NOUN
fbem-5882	35	16	's	's	PART
fbem-5882	35	17	it	it	NOUN
fbem-5882	35	18	service	service	NOUN
fbem-5882	35	19	system	system	NOUN
fbem-5882	35	20	.	.	PUNCT
fbem-5882	36	1	in	in	ADP
fbem-5882	36	2	the	the	DET
fbem-5882	36	3	design	design	NOUN
fbem-5882	36	4	of	of	ADP
fbem-5882	36	5	the	the	DET
fbem-5882	36	6	system	system	NOUN
fbem-5882	36	7	application	application	NOUN
fbem-5882	36	8	architecture	architecture	NOUN
fbem-5882	36	9	,	,	PUNCT
fbem-5882	36	10	everbright	everbright	ADJ
fbem-5882	36	11	commercial	commercial	NOUN
fbem-5882	36	12	has	have	AUX
fbem-5882	36	13	promoted	promote	VERB
fbem-5882	36	14	the	the	DET
fbem-5882	36	15	transformation	transformation	NOUN
fbem-5882	36	16	of	of	ADP
fbem-5882	36	17	the	the	DET
fbem-5882	36	18	entire	entire	ADJ
fbem-5882	36	19	architecture	architecture	NOUN
fbem-5882	36	20	according	accord	VERB
fbem-5882	36	21	to	to	ADP
fbem-5882	36	22	the	the	DET
fbem-5882	36	23	requirements	requirement	NOUN
fbem-5882	36	24	of	of	ADP
fbem-5882	36	25	the	the	DET
fbem-5882	36	26	current	current	ADJ
fbem-5882	36	27	network	network	NOUN
fbem-5882	36	28	business	business	NOUN
fbem-5882	36	29	development	development	NOUN
fbem-5882	36	30	,	,	PUNCT
fbem-5882	36	31	starting	start	VERB
fbem-5882	36	32	from	from	ADP
fbem-5882	36	33	the	the	DET
fbem-5882	36	34	construction	construction	NOUN
fbem-5882	36	35	of	of	ADP
fbem-5882	36	36	the	the	DET
fbem-5882	36	37	enterprise	enterprise	NOUN
fbem-5882	36	38	distributed	distribute	VERB
fbem-5882	36	39	bus	bus	NOUN
fbem-5882	36	40	of	of	ADP
fbem-5882	36	41	commercial	commercial	ADJ
fbem-5882	36	42	banks	bank	NOUN
fbem-5882	36	43	;	;	PUNCT
fbem-5882	36	44	gradually	gradually	ADV
fbem-5882	36	45	and	and	CCONJ
fbem-5882	36	46	rapidly	rapidly	ADV
fbem-5882	36	47	improve	improve	VERB
fbem-5882	36	48	the	the	DET
fbem-5882	36	49	response	response	NOUN
fbem-5882	36	50	speed	speed	NOUN
fbem-5882	36	51	of	of	ADP
fbem-5882	36	52	the	the	DET
fbem-5882	36	53	bank	bank	NOUN
fbem-5882	36	54	's	's	PART
fbem-5882	36	55	underlying	underlie	VERB
fbem-5882	36	56	architecture	architecture	NOUN
fbem-5882	36	57	to	to	ADP
fbem-5882	36	58	the	the	DET
fbem-5882	36	59	support	support	NOUN
fbem-5882	36	60	services	service	NOUN
fbem-5882	36	61	of	of	ADP
fbem-5882	36	62	various	various	ADJ
fbem-5882	36	63	business	business	NOUN
fbem-5882	36	64	systems	system	NOUN
fbem-5882	36	65	.	.	PUNCT
fbem-5882	37	1	in	in	ADP
fbem-5882	37	2	terms	term	NOUN
fbem-5882	37	3	of	of	ADP
fbem-5882	37	4	independent	independent	ADJ
fbem-5882	37	5	and	and	CCONJ
fbem-5882	37	6	open	open	ADJ
fbem-5882	37	7	research	research	NOUN
fbem-5882	37	8	technology	technology	NOUN
fbem-5882	37	9	platform	platform	NOUN
fbem-5882	37	10	system	system	NOUN
fbem-5882	37	11	,	,	PUNCT
fbem-5882	37	12	everbright	everbright	PROPN
fbem-5882	37	13	bank	bank	PROPN
fbem-5882	37	14	combines	combine	VERB
fbem-5882	37	15	virtual	virtual	ADJ
fbem-5882	37	16	technology	technology	NOUN
fbem-5882	37	17	with	with	ADP
fbem-5882	37	18	standardized	standardized	ADJ
fbem-5882	37	19	business	business	NOUN
fbem-5882	37	20	logic	logic	NOUN
fbem-5882	37	21	to	to	PART
fbem-5882	37	22	improve	improve	VERB
fbem-5882	37	23	the	the	DET
fbem-5882	37	24	ability	ability	NOUN
fbem-5882	37	25	of	of	ADP
fbem-5882	37	26	enterprises	enterprise	NOUN
fbem-5882	37	27	to	to	PART
fbem-5882	37	28	integrate	integrate	VERB
fbem-5882	37	29	and	and	CCONJ
fbem-5882	37	30	operate	operate	VERB
fbem-5882	37	31	their	their	PRON
fbem-5882	37	32	own	own	ADJ
fbem-5882	37	33	products	product	NOUN
fbem-5882	37	34	and	and	CCONJ
fbem-5882	37	35	accelerate	accelerate	VERB
fbem-5882	37	36	the	the	DET
fbem-5882	37	37	rapid	rapid	ADJ
fbem-5882	37	38	mobile	mobile	ADJ
fbem-5882	37	39	operation	operation	NOUN
fbem-5882	37	40	process	process	NOUN
fbem-5882	37	41	of	of	ADP
fbem-5882	37	42	various	various	ADJ
fbem-5882	37	43	integrated	integrate	VERB
fbem-5882	37	44	application	application	NOUN
fbem-5882	37	45	development	development	NOUN
fbem-5882	37	46	in	in	ADP
fbem-5882	37	47	the	the	DET
fbem-5882	37	48	industry	industry	NOUN
fbem-5882	37	49	.	.	PUNCT
fbem-5882	38	1	in	in	ADP
fbem-5882	38	2	terms	term	NOUN
fbem-5882	38	3	of	of	ADP
fbem-5882	38	4	the	the	DET
fbem-5882	38	5	construction	construction	NOUN
fbem-5882	38	6	mode	mode	NOUN
fbem-5882	38	7	of	of	ADP
fbem-5882	38	8	the	the	DET
fbem-5882	38	9	public	public	ADJ
fbem-5882	38	10	basic	basic	ADJ
fbem-5882	38	11	technology	technology	NOUN
fbem-5882	38	12	platform	platform	NOUN
fbem-5882	38	13	system	system	NOUN
fbem-5882	38	14	,	,	PUNCT
fbem-5882	38	15	it	it	PRON
fbem-5882	38	16	is	be	AUX
fbem-5882	38	17	necessary	necessary	ADJ
fbem-5882	38	18	to	to	PART
fbem-5882	38	19	strengthen	strengthen	VERB
fbem-5882	38	20	the	the	DET
fbem-5882	38	21	data	datum	NOUN
fbem-5882	38	22	collection	collection	NOUN
fbem-5882	38	23	and	and	CCONJ
fbem-5882	38	24	control	control	NOUN
fbem-5882	38	25	of	of	ADP
fbem-5882	38	26	the	the	DET
fbem-5882	38	27	data	data	NOUN
fbem-5882	38	28	model	model	NOUN
fbem-5882	38	29	and	and	CCONJ
fbem-5882	38	30	establish	establish	VERB
fbem-5882	38	31	the	the	DET
fbem-5882	38	32	ability	ability	NOUN
fbem-5882	38	33	to	to	PART
fbem-5882	38	34	integrate	integrate	VERB
fbem-5882	38	35	and	and	CCONJ
fbem-5882	38	36	apply	apply	VERB
fbem-5882	38	37	industrial	industrial	ADJ
fbem-5882	38	38	big	big	ADJ
fbem-5882	38	39	data	datum	NOUN
fbem-5882	38	40	.	.	PUNCT
fbem-5882	39	1	in	in	ADP
fbem-5882	39	2	terms	term	NOUN
fbem-5882	39	3	of	of	ADP
fbem-5882	39	4	the	the	DET
fbem-5882	39	5	infrastructure	infrastructure	NOUN
fbem-5882	39	6	construction	construction	NOUN
fbem-5882	39	7	of	of	ADP
fbem-5882	39	8	new	new	ADJ
fbem-5882	39	9	technologies	technology	NOUN
fbem-5882	39	10	and	and	CCONJ
fbem-5882	39	11	application	application	NOUN
fbem-5882	39	12	platforms	platform	NOUN
fbem-5882	39	13	,	,	PUNCT
fbem-5882	39	14	everbright	everbright	PROPN
fbem-5882	39	15	bank	bank	PROPN
fbem-5882	39	16	has	have	AUX
fbem-5882	39	17	built	build	VERB
fbem-5882	39	18	the	the	DET
fbem-5882	39	19	ability	ability	NOUN
fbem-5882	39	20	to	to	PART
fbem-5882	39	21	apply	apply	VERB
fbem-5882	39	22	basic	basic	ADJ
fbem-5882	39	23	technologies	technology	NOUN
fbem-5882	39	24	based	base	VERB
fbem-5882	39	25	on	on	ADP
fbem-5882	39	26	the	the	DET
fbem-5882	39	27	core	core	NOUN
fbem-5882	39	28	technologies	technology	NOUN
fbem-5882	39	29	such	such	ADJ
fbem-5882	39	30	as	as	ADP
fbem-5882	39	31	intelligent	intelligent	ADJ
fbem-5882	39	32	biometric	biometric	ADJ
fbem-5882	39	33	application	application	NOUN
fbem-5882	39	34	platform	platform	NOUN
fbem-5882	39	35	,	,	PUNCT
fbem-5882	39	36	intelligent	intelligent	ADJ
fbem-5882	39	37	voice	voice	NOUN
fbem-5882	39	38	data	data	VERB
fbem-5882	39	39	intelligent	intelligent	ADJ
fbem-5882	39	40	text	text	NOUN
fbem-5882	39	41	platform	platform	NOUN
fbem-5882	39	42	,	,	PUNCT
fbem-5882	39	43	blockchain	blockchain	PROPN
fbem-5882	39	44	basic	basic	ADJ
fbem-5882	39	45	technology	technology	NOUN
fbem-5882	39	46	platform	platform	NOUN
fbem-5882	39	47	,	,	PUNCT
fbem-5882	39	48	and	and	CCONJ
fbem-5882	39	49	provided	provide	VERB
fbem-5882	39	50	strong	strong	ADJ
fbem-5882	39	51	technical	technical	ADJ
fbem-5882	39	52	support	support	NOUN
fbem-5882	39	53	for	for	ADP
fbem-5882	39	54	the	the	DET
fbem-5882	39	55	application	application	NOUN
fbem-5882	39	56	of	of	ADP
fbem-5882	39	57	related	relate	VERB
fbem-5882	39	58	new	new	ADJ
fbem-5882	39	59	technologies	technology	NOUN
fbem-5882	39	60	.	.	PUNCT
fbem-5882	40	1	5	5	X
fbem-5882	40	2	.	.	X
fbem-5882	40	3	recommended	recommend	VERB
fbem-5882	40	4	measure	measure	NOUN
fbem-5882	40	5	for	for	ADP
fbem-5882	40	6	transformation	transformation	NOUN
fbem-5882	40	7	of	of	ADP
fbem-5882	40	8	small	small	ADJ
fbem-5882	40	9	and	and	CCONJ
fbem-5882	40	10	medium	medium	ADJ
fbem-5882	40	11	-	-	PUNCT
fbem-5882	40	12	sized	sized	ADJ
fbem-5882	40	13	banks	bank	NOUN
fbem-5882	40	14	from	from	ADP
fbem-5882	40	15	the	the	DET
fbem-5882	40	16	transformation	transformation	NOUN
fbem-5882	40	17	and	and	CCONJ
fbem-5882	40	18	development	development	NOUN
fbem-5882	40	19	of	of	ADP
fbem-5882	40	20	everbright	everbright	PROPN
fbem-5882	40	21	bank	bank	PROPN
fbem-5882	40	22	,	,	PUNCT
fbem-5882	40	23	the	the	DET
fbem-5882	40	24	next	next	ADJ
fbem-5882	40	25	step	step	NOUN
fbem-5882	40	26	is	be	AUX
fbem-5882	40	27	to	to	PART
fbem-5882	40	28	conduct	conduct	VERB
fbem-5882	40	29	in	in	ADP
fbem-5882	40	30	-	-	PUNCT
fbem-5882	40	31	depth	depth	NOUN
fbem-5882	40	32	research	research	NOUN
fbem-5882	40	33	on	on	ADP
fbem-5882	40	34	the	the	DET
fbem-5882	40	35	transformation	transformation	NOUN
fbem-5882	40	36	countermeasures	countermeasure	NOUN
fbem-5882	40	37	of	of	ADP
fbem-5882	40	38	small	small	ADJ
fbem-5882	40	39	and	and	CCONJ
fbem-5882	40	40	medium	medium	ADJ
fbem-5882	40	41	-	-	PUNCT
fbem-5882	40	42	sized	sized	ADJ
fbem-5882	40	43	banks	bank	NOUN
fbem-5882	40	44	.	.	PUNCT
fbem-5882	41	1	5.1	5.1	NUM
fbem-5882	41	2	.	.	PUNCT
fbem-5882	41	3	carry	carry	VERB
fbem-5882	41	4	out	out	ADP
fbem-5882	41	5	clear	clear	ADJ
fbem-5882	41	6	strategic	strategic	ADJ
fbem-5882	41	7	target	target	NOUN
fbem-5882	41	8	positioning	positioning	NOUN
fbem-5882	41	9	.	.	PUNCT
fbem-5882	42	1	in	in	ADP
fbem-5882	42	2	the	the	DET
fbem-5882	42	3	current	current	ADJ
fbem-5882	42	4	internet	internet	NOUN
fbem-5882	42	5	financial	financial	ADJ
fbem-5882	42	6	era	era	NOUN
fbem-5882	42	7	,	,	PUNCT
fbem-5882	42	8	small	small	ADJ
fbem-5882	42	9	and	and	CCONJ
fbem-5882	42	10	mediumsized	mediumsized	ADJ
fbem-5882	42	11	commercial	commercial	ADJ
fbem-5882	42	12	banks	bank	NOUN
fbem-5882	42	13	should	should	AUX
fbem-5882	42	14	attach	attach	VERB
fbem-5882	42	15	importance	importance	NOUN
fbem-5882	42	16	to	to	ADP
fbem-5882	42	17	technological	technological	ADJ
fbem-5882	42	18	innovation	innovation	NOUN
fbem-5882	42	19	and	and	CCONJ
fbem-5882	42	20	technological	technological	ADJ
fbem-5882	42	21	innovation	innovation	NOUN
fbem-5882	42	22	as	as	ADP
fbem-5882	42	23	the	the	DET
fbem-5882	42	24	business	business	NOUN
fbem-5882	42	25	direction	direction	NOUN
fbem-5882	42	26	,	,	PUNCT
fbem-5882	42	27	and	and	CCONJ
fbem-5882	42	28	use	use	VERB
fbem-5882	42	29	information	information	NOUN
fbem-5882	42	30	technology	technology	NOUN
fbem-5882	42	31	to	to	PART
fbem-5882	42	32	accelerate	accelerate	VERB
fbem-5882	42	33	their	their	PRON
fbem-5882	42	34	intelligent	intelligent	ADJ
fbem-5882	42	35	development	development	NOUN
fbem-5882	42	36	.	.	PUNCT
fbem-5882	43	1	small	small	ADJ
fbem-5882	43	2	and	and	CCONJ
fbem-5882	43	3	mediumsized	mediumsized	ADJ
fbem-5882	43	4	commercial	commercial	ADJ
fbem-5882	43	5	banks	bank	NOUN
fbem-5882	43	6	should	should	AUX
fbem-5882	43	7	master	master	VERB
fbem-5882	43	8	the	the	DET
fbem-5882	43	9	rational	rational	ADJ
fbem-5882	43	10	,	,	PUNCT
fbem-5882	43	11	calm	calm	ADJ
fbem-5882	43	12	,	,	PUNCT
fbem-5882	43	13	objective	objective	ADJ
fbem-5882	43	14	and	and	CCONJ
fbem-5882	43	15	analysis	analysis	NOUN
fbem-5882	43	16	of	of	ADP
fbem-5882	43	17	the	the	DET
fbem-5882	43	18	current	current	ADJ
fbem-5882	43	19	complex	complex	NOUN
fbem-5882	43	20	and	and	CCONJ
fbem-5882	43	21	changing	change	VERB
fbem-5882	43	22	macroeconomic	macroeconomic	ADJ
fbem-5882	43	23	situation	situation	NOUN
fbem-5882	43	24	,	,	PUNCT
fbem-5882	43	25	and	and	CCONJ
fbem-5882	43	26	also	also	ADV
fbem-5882	43	27	have	have	VERB
fbem-5882	43	28	a	a	DET
fbem-5882	43	29	high	high	ADJ
fbem-5882	43	30	judgment	judgment	NOUN
fbem-5882	43	31	of	of	ADP
fbem-5882	43	32	the	the	DET
fbem-5882	43	33	macro	macro	ADJ
fbem-5882	43	34	situation	situation	NOUN
fbem-5882	43	35	and	and	CCONJ
fbem-5882	43	36	insight	insight	NOUN
fbem-5882	43	37	into	into	ADP
fbem-5882	43	38	the	the	DET
fbem-5882	43	39	market.[2	market.[2	ADJ
fbem-5882	43	40	]	]	X
fbem-5882	43	41	china	china	PROPN
fbem-5882	43	42	's	's	PART
fbem-5882	43	43	small	small	ADJ
fbem-5882	43	44	and	and	CCONJ
fbem-5882	43	45	medium	medium	ADJ
fbem-5882	43	46	-	-	PUNCT
fbem-5882	43	47	sized	sized	ADJ
fbem-5882	43	48	commercial	commercial	ADJ
fbem-5882	43	49	banks	bank	NOUN
fbem-5882	43	50	should	should	AUX
fbem-5882	43	51	gradually	gradually	ADV
fbem-5882	43	52	change	change	VERB
fbem-5882	43	53	the	the	DET
fbem-5882	43	54	traditional	traditional	ADJ
fbem-5882	43	55	business	business	NOUN
fbem-5882	43	56	idea	idea	NOUN
fbem-5882	43	57	of	of	ADP
fbem-5882	43	58	"	"	PUNCT
fbem-5882	43	59	asking	ask	VERB
fbem-5882	43	60	me	i	PRON
fbem-5882	43	61	to	to	PART
fbem-5882	43	62	do	do	VERB
fbem-5882	43	63	things	thing	NOUN
fbem-5882	43	64	"	"	PUNCT
fbem-5882	43	65	,	,	PUNCT
fbem-5882	43	66	focus	focus	VERB
fbem-5882	43	67	on	on	ADP
fbem-5882	43	68	the	the	DET
fbem-5882	43	69	basic	basic	ADJ
fbem-5882	43	70	needs	need	NOUN
fbem-5882	43	71	of	of	ADP
fbem-5882	43	72	customers	customer	NOUN
fbem-5882	43	73	,	,	PUNCT
fbem-5882	43	74	and	and	CCONJ
fbem-5882	43	75	use	use	VERB
fbem-5882	43	76	internet	internet	NOUN
fbem-5882	43	77	data	datum	NOUN
fbem-5882	43	78	to	to	ADP
fbem-5882	43	79	fully	fully	ADV
fbem-5882	43	80	mine	mine	VERB
fbem-5882	43	81	and	and	CCONJ
fbem-5882	43	82	analyze	analyze	VERB
fbem-5882	43	83	potential	potential	ADJ
fbem-5882	43	84	customer	customer	NOUN
fbem-5882	43	85	needs	need	NOUN
fbem-5882	43	86	,	,	PUNCT
fbem-5882	43	87	risk	risk	NOUN
fbem-5882	43	88	preference	preference	NOUN
fbem-5882	43	89	information	information	NOUN
fbem-5882	43	90	,	,	PUNCT
fbem-5882	43	91	etc	etc	X
fbem-5882	43	92	.	.	X
fbem-5882	44	1	at	at	ADP
fbem-5882	44	2	the	the	DET
fbem-5882	44	3	same	same	ADJ
fbem-5882	44	4	time	time	NOUN
fbem-5882	44	5	,	,	PUNCT
fbem-5882	44	6	small	small	ADJ
fbem-5882	44	7	and	and	CCONJ
fbem-5882	44	8	medium	medium	ADJ
fbem-5882	44	9	-	-	PUNCT
fbem-5882	44	10	sized	sized	ADJ
fbem-5882	44	11	commercial	commercial	ADJ
fbem-5882	44	12	banks	bank	NOUN
fbem-5882	44	13	should	should	AUX
fbem-5882	44	14	start	start	VERB
fbem-5882	44	15	to	to	PART
fbem-5882	44	16	reexamine	reexamine	VERB
fbem-5882	44	17	the	the	DET
fbem-5882	44	18	traditional	traditional	ADJ
fbem-5882	44	19	integrated	integrate	VERB
fbem-5882	44	20	banking	banking	NOUN
fbem-5882	44	21	business	business	NOUN
fbem-5882	44	22	system	system	NOUN
fbem-5882	44	23	in	in	ADP
fbem-5882	44	24	the	the	DET
fbem-5882	44	25	past	past	NOUN
fbem-5882	44	26	to	to	PART
fbem-5882	44	27	see	see	VERB
fbem-5882	44	28	whether	whether	SCONJ
fbem-5882	44	29	the	the	DET
fbem-5882	44	30	business	business	NOUN
fbem-5882	44	31	really	really	ADV
fbem-5882	44	32	conforms	conform	VERB
fbem-5882	44	33	to	to	ADP
fbem-5882	44	34	the	the	DET
fbem-5882	44	35	new	new	ADJ
fbem-5882	44	36	development	development	NOUN
fbem-5882	44	37	of	of	ADP
fbem-5882	44	38	commercial	commercial	ADJ
fbem-5882	44	39	banks	bank	NOUN
fbem-5882	44	40	in	in	ADP
fbem-5882	44	41	today	today	NOUN
fbem-5882	44	42	's	's	PART
fbem-5882	44	43	era	era	NOUN
fbem-5882	44	44	.	.	PUNCT
fbem-5882	45	1	keep	keep	VERB
fbem-5882	45	2	the	the	DET
fbem-5882	45	3	characteristics	characteristic	NOUN
fbem-5882	45	4	and	and	CCONJ
fbem-5882	45	5	continue	continue	VERB
fbem-5882	45	6	to	to	PART
fbem-5882	45	7	innovate	innovate	VERB
fbem-5882	45	8	and	and	CCONJ
fbem-5882	45	9	develop	develop	VERB
fbem-5882	45	10	its	its	PRON
fbem-5882	45	11	core	core	NOUN
fbem-5882	45	12	business	business	NOUN
fbem-5882	45	13	.	.	PUNCT
fbem-5882	46	1	at	at	ADP
fbem-5882	46	2	the	the	DET
fbem-5882	46	3	same	same	ADJ
fbem-5882	46	4	time	time	NOUN
fbem-5882	46	5	,	,	PUNCT
fbem-5882	46	6	we	we	PRON
fbem-5882	46	7	should	should	AUX
fbem-5882	46	8	make	make	VERB
fbem-5882	46	9	good	good	ADJ
fbem-5882	46	10	use	use	NOUN
fbem-5882	46	11	of	of	ADP
fbem-5882	46	12	internet	internet	NOUN
fbem-5882	46	13	technology	technology	NOUN
fbem-5882	46	14	to	to	PART
fbem-5882	46	15	innovate	innovate	VERB
fbem-5882	46	16	and	and	CCONJ
fbem-5882	46	17	develop	develop	VERB
fbem-5882	46	18	new	new	ADJ
fbem-5882	46	19	financial	financial	ADJ
fbem-5882	46	20	products	product	NOUN
fbem-5882	46	21	,	,	PUNCT
fbem-5882	46	22	open	open	VERB
fbem-5882	46	23	up	up	ADP
fbem-5882	46	24	new	new	ADJ
fbem-5882	46	25	business	business	NOUN
fbem-5882	46	26	markets	market	NOUN
fbem-5882	46	27	,	,	PUNCT
fbem-5882	46	28	develop	develop	VERB
fbem-5882	46	29	and	and	CCONJ
fbem-5882	46	30	operate	operate	VERB
fbem-5882	46	31	new	new	ADJ
fbem-5882	46	32	superior	superior	ADJ
fbem-5882	46	33	resources	resource	NOUN
fbem-5882	46	34	,	,	PUNCT
fbem-5882	46	35	and	and	CCONJ
fbem-5882	46	36	broaden	broaden	VERB
fbem-5882	46	37	the	the	DET
fbem-5882	46	38	channels	channel	NOUN
fbem-5882	46	39	for	for	ADP
fbem-5882	46	40	financial	financial	ADJ
fbem-5882	46	41	services	service	NOUN
fbem-5882	46	42	.	.	PUNCT
fbem-5882	47	1	5.2	5.2	NUM
fbem-5882	47	2	.	.	PUNCT
fbem-5882	48	1	strengthen	strengthen	VERB
fbem-5882	48	2	risk	risk	NOUN
fbem-5882	48	3	management	management	NOUN
fbem-5882	48	4	the	the	DET
fbem-5882	48	5	risks	risk	NOUN
fbem-5882	48	6	of	of	ADP
fbem-5882	48	7	internet	internet	NOUN
fbem-5882	48	8	finance	finance	NOUN
fbem-5882	48	9	include	include	VERB
fbem-5882	48	10	:	:	PUNCT
fbem-5882	48	11	credit	credit	NOUN
fbem-5882	48	12	default	default	NOUN
fbem-5882	48	13	risk	risk	NOUN
fbem-5882	48	14	,	,	PUNCT
fbem-5882	48	15	term	term	NOUN
fbem-5882	48	16	mismatch	mismatch	NOUN
fbem-5882	48	17	risk	risk	NOUN
fbem-5882	48	18	,	,	PUNCT
fbem-5882	48	19	lender	lender	NOUN
fbem-5882	48	20	of	of	ADP
fbem-5882	48	21	last	last	ADJ
fbem-5882	48	22	resort	resort	NOUN
fbem-5882	48	23	risk	risk	NOUN
fbem-5882	48	24	,	,	PUNCT
fbem-5882	48	25	legal	legal	ADJ
fbem-5882	48	26	risk	risk	NOUN
fbem-5882	48	27	,	,	PUNCT
fbem-5882	48	28	increasing	increase	VERB
fbem-5882	48	29	the	the	DET
fbem-5882	48	30	difficulty	difficulty	NOUN
fbem-5882	48	31	of	of	ADP
fbem-5882	48	32	central	central	ADJ
fbem-5882	48	33	bank	bank	NOUN
fbem-5882	48	34	's	's	PART
fbem-5882	48	35	monetary	monetary	ADJ
fbem-5882	48	36	and	and	CCONJ
fbem-5882	48	37	credit	credit	NOUN
fbem-5882	48	38	regulation	regulation	NOUN
fbem-5882	48	39	,	,	PUNCT
fbem-5882	48	40	risk	risk	NOUN
fbem-5882	48	41	of	of	ADP
fbem-5882	48	42	personal	personal	ADJ
fbem-5882	48	43	credit	credit	NOUN
fbem-5882	48	44	information	information	NOUN
fbem-5882	48	45	being	be	AUX
fbem-5882	48	46	abused	abuse	VERB
fbem-5882	48	47	,	,	PUNCT
fbem-5882	48	48	information	information	NOUN
fbem-5882	48	49	asymmetry	asymmetry	NOUN
fbem-5882	48	50	and	and	CCONJ
fbem-5882	48	51	information	information	NOUN
fbem-5882	48	52	transparency	transparency	NOUN
fbem-5882	48	53	issues	issue	NOUN
fbem-5882	48	54	,	,	PUNCT
fbem-5882	48	55	and	and	CCONJ
fbem-5882	48	56	technical	technical	ADJ
fbem-5882	48	57	risk	risk	NOUN
fbem-5882	48	58	.	.	PUNCT
fbem-5882	49	1	as	as	ADP
fbem-5882	49	2	for	for	ADP
fbem-5882	49	3	the	the	DET
fbem-5882	49	4	risk	risk	NOUN
fbem-5882	49	5	of	of	ADP
fbem-5882	49	6	enterprise	enterprise	NOUN
fbem-5882	49	7	network	network	NOUN
fbem-5882	49	8	information	information	NOUN
fbem-5882	49	9	and	and	CCONJ
fbem-5882	49	10	data	datum	NOUN
fbem-5882	49	11	leakage	leakage	NOUN
fbem-5882	49	12	,	,	PUNCT
fbem-5882	49	13	a	a	DET
fbem-5882	49	14	large	large	ADJ
fbem-5882	49	15	amount	amount	NOUN
fbem-5882	49	16	of	of	ADP
fbem-5882	49	17	various	various	ADJ
fbem-5882	49	18	electronic	electronic	ADJ
fbem-5882	49	19	data	datum	NOUN
fbem-5882	49	20	from	from	ADP
fbem-5882	49	21	inside	inside	ADP
fbem-5882	49	22	and	and	CCONJ
fbem-5882	49	23	outside	outside	ADP
fbem-5882	49	24	the	the	DET
fbem-5882	49	25	enterprise	enterprise	NOUN
fbem-5882	49	26	can	can	AUX
fbem-5882	49	27	be	be	AUX
fbem-5882	49	28	collected	collect	VERB
fbem-5882	49	29	by	by	ADP
fbem-5882	49	30	the	the	DET
fbem-5882	49	31	system	system	NOUN
fbem-5882	49	32	on	on	ADP
fbem-5882	49	33	a	a	DET
fbem-5882	49	34	public	public	ADJ
fbem-5882	49	35	internet	internet	NOUN
fbem-5882	49	36	through	through	ADP
fbem-5882	49	37	the	the	DET
fbem-5882	49	38	server	server	NOUN
fbem-5882	49	39	for	for	ADP
fbem-5882	49	40	unified	unified	ADJ
fbem-5882	49	41	storage	storage	NOUN
fbem-5882	49	42	,	,	PUNCT
fbem-5882	49	43	which	which	PRON
fbem-5882	49	44	can	can	AUX
fbem-5882	49	45	greatly	greatly	ADV
fbem-5882	49	46	facilitate	facilitate	VERB
fbem-5882	49	47	the	the	DET
fbem-5882	49	48	effective	effective	ADJ
fbem-5882	49	49	and	and	CCONJ
fbem-5882	49	50	rapid	rapid	ADJ
fbem-5882	49	51	collection	collection	NOUN
fbem-5882	49	52	,	,	PUNCT
fbem-5882	49	53	analysis	analysis	NOUN
fbem-5882	49	54	,	,	PUNCT
fbem-5882	49	55	transmission	transmission	NOUN
fbem-5882	49	56	,	,	PUNCT
fbem-5882	49	57	storage	storage	NOUN
fbem-5882	49	58	and	and	CCONJ
fbem-5882	49	59	various	various	ADJ
fbem-5882	49	60	business	business	NOUN
fbem-5882	49	61	operations	operation	NOUN
fbem-5882	49	62	of	of	ADP
fbem-5882	49	63	network	network	NOUN
fbem-5882	49	64	data	datum	NOUN
fbem-5882	49	65	resources	resource	NOUN
fbem-5882	49	66	.	.	PUNCT
fbem-5882	50	1	however	however	ADV
fbem-5882	50	2	,	,	PUNCT
fbem-5882	50	3	once	once	SCONJ
fbem-5882	50	4	the	the	DET
fbem-5882	50	5	enterprise	enterprise	NOUN
fbem-5882	50	6	information	information	NOUN
fbem-5882	50	7	is	be	AUX
fbem-5882	50	8	improperly	improperly	ADV
fbem-5882	50	9	supervised	supervise	VERB
fbem-5882	50	10	and	and	CCONJ
fbem-5882	50	11	protected	protect	VERB
fbem-5882	50	12	by	by	ADP
fbem-5882	50	13	the	the	DET
fbem-5882	50	14	government	government	NOUN
fbem-5882	50	15	,	,	PUNCT
fbem-5882	50	16	it	it	PRON
fbem-5882	50	17	will	will	AUX
fbem-5882	50	18	easily	easily	ADV
fbem-5882	50	19	lead	lead	VERB
fbem-5882	50	20	to	to	ADP
fbem-5882	50	21	the	the	DET
fbem-5882	50	22	leakage	leakage	NOUN
fbem-5882	50	23	,	,	PUNCT
fbem-5882	50	24	loss	loss	NOUN
fbem-5882	50	25	and	and	CCONJ
fbem-5882	50	26	damage	damage	NOUN
fbem-5882	50	27	of	of	ADP
fbem-5882	50	28	storage	storage	NOUN
fbem-5882	50	29	equipment	equipment	NOUN
fbem-5882	50	30	of	of	ADP
fbem-5882	50	31	a	a	DET
fbem-5882	50	32	large	large	ADJ
fbem-5882	50	33	number	number	NOUN
fbem-5882	50	34	of	of	ADP
fbem-5882	50	35	information	information	NOUN
fbem-5882	50	36	assets	asset	NOUN
fbem-5882	50	37	and	and	CCONJ
fbem-5882	50	38	data	datum	NOUN
fbem-5882	50	39	,	,	PUNCT
fbem-5882	50	40	thus	thus	ADV
fbem-5882	50	41	causing	cause	VERB
fbem-5882	50	42	indirect	indirect	ADJ
fbem-5882	50	43	consequences	consequence	NOUN
fbem-5882	50	44	that	that	PRON
fbem-5882	50	45	pose	pose	VERB
fbem-5882	50	46	a	a	DET
fbem-5882	50	47	serious	serious	ADJ
fbem-5882	50	48	threat	threat	NOUN
fbem-5882	50	49	to	to	ADP
fbem-5882	50	50	the	the	DET
fbem-5882	50	51	entire	entire	ADJ
fbem-5882	50	52	traditional	traditional	ADJ
fbem-5882	50	53	e	e	NOUN
fbem-5882	50	54	-	-	ADJ
fbem-5882	50	55	commerce	commerce	NOUN
fbem-5882	50	56	banking	banking	NOUN
fbem-5882	50	57	system	system	NOUN
fbem-5882	50	58	.	.	PUNCT
fbem-5882	51	1	moreover	moreover	ADV
fbem-5882	51	2	,	,	PUNCT
fbem-5882	51	3	mobile	mobile	ADJ
fbem-5882	51	4	internet	internet	NOUN
fbem-5882	51	5	technology	technology	NOUN
fbem-5882	51	6	has	have	AUX
fbem-5882	51	7	become	become	VERB
fbem-5882	51	8	increasingly	increasingly	ADV
fbem-5882	51	9	developed	develop	VERB
fbem-5882	51	10	,	,	PUNCT
fbem-5882	51	11	and	and	CCONJ
fbem-5882	51	12	the	the	DET
fbem-5882	51	13	rapid	rapid	ADJ
fbem-5882	51	14	theft	theft	NOUN
fbem-5882	51	15	and	and	CCONJ
fbem-5882	51	16	utilization	utilization	NOUN
fbem-5882	51	17	of	of	ADP
fbem-5882	51	18	a	a	DET
fbem-5882	51	19	large	large	ADJ
fbem-5882	51	20	number	number	NOUN
fbem-5882	51	21	of	of	ADP
fbem-5882	51	22	information	information	NOUN
fbem-5882	51	23	assets	asset	NOUN
fbem-5882	51	24	is	be	AUX
fbem-5882	51	25	no	no	ADV
fbem-5882	51	26	longer	long	ADV
fbem-5882	51	27	just	just	ADV
fbem-5882	51	28	a	a	DET
fbem-5882	51	29	physical	physical	ADJ
fbem-5882	51	30	and	and	CCONJ
fbem-5882	51	31	mandatory	mandatory	ADJ
fbem-5882	51	32	intrusion	intrusion	NOUN
fbem-5882	51	33	into	into	ADP
fbem-5882	51	34	computer	computer	NOUN
fbem-5882	51	35	information	information	NOUN
fbem-5882	51	36	systems	system	NOUN
fbem-5882	51	37	.	.	PUNCT
fbem-5882	52	1	therefore	therefore	ADV
fbem-5882	52	2	,	,	PUNCT
fbem-5882	52	3	we	we	PRON
fbem-5882	52	4	also	also	ADV
fbem-5882	52	5	put	put	VERB
fbem-5882	52	6	forward	forward	ADV
fbem-5882	52	7	higher	high	ADJ
fbem-5882	52	8	management	management	NOUN
fbem-5882	52	9	requirements	requirement	NOUN
fbem-5882	52	10	for	for	ADP
fbem-5882	52	11	the	the	DET
fbem-5882	52	12	construction	construction	NOUN
fbem-5882	52	13	of	of	ADP
fbem-5882	52	14	security	security	NOUN
fbem-5882	52	15	protection	protection	NOUN
fbem-5882	52	16	,	,	PUNCT
fbem-5882	52	17	management	management	NOUN
fbem-5882	52	18	and	and	CCONJ
fbem-5882	52	19	monitoring	monitor	VERB
fbem-5882	52	20	capabilities	capability	NOUN
fbem-5882	52	21	of	of	ADP
fbem-5882	52	22	computer	computer	NOUN
fbem-5882	52	23	big	big	ADJ
fbem-5882	52	24	data	datum	NOUN
fbem-5882	52	25	assets	asset	NOUN
fbem-5882	52	26	.	.	PUNCT
fbem-5882	53	1	in	in	ADP
fbem-5882	53	2	addition	addition	NOUN
fbem-5882	53	3	,	,	PUNCT
fbem-5882	53	4	credit	credit	NOUN
fbem-5882	53	5	risk	risk	NOUN
fbem-5882	53	6	management	management	NOUN
fbem-5882	53	7	should	should	AUX
fbem-5882	53	8	also	also	ADV
fbem-5882	53	9	focus	focus	VERB
fbem-5882	53	10	on	on	ADP
fbem-5882	53	11	strengthening	strengthen	VERB
fbem-5882	53	12	prevention	prevention	NOUN
fbem-5882	53	13	.	.	PUNCT
fbem-5882	54	1	the	the	DET
fbem-5882	54	2	construction	construction	NOUN
fbem-5882	54	3	of	of	ADP
fbem-5882	54	4	china	china	PROPN
fbem-5882	54	5	's	's	PART
fbem-5882	54	6	current	current	ADJ
fbem-5882	54	7	internet	internet	NOUN
fbem-5882	54	8	financial	financial	ADJ
fbem-5882	54	9	credit	credit	NOUN
fbem-5882	54	10	system	system	NOUN
fbem-5882	54	11	is	be	AUX
fbem-5882	54	12	still	still	ADV
fbem-5882	54	13	in	in	ADP
fbem-5882	54	14	its	its	PRON
fbem-5882	54	15	infancy	infancy	NOUN
fbem-5882	54	16	,	,	PUNCT
fbem-5882	54	17	and	and	CCONJ
fbem-5882	54	18	there	there	PRON
fbem-5882	54	19	are	be	VERB
fbem-5882	54	20	still	still	ADV
fbem-5882	54	21	many	many	ADJ
fbem-5882	54	22	practical	practical	ADJ
fbem-5882	54	23	problems	problem	NOUN
fbem-5882	54	24	.	.	PUNCT
fbem-5882	55	1	for	for	ADP
fbem-5882	55	2	example	example	NOUN
fbem-5882	55	3	,	,	PUNCT
fbem-5882	55	4	the	the	DET
fbem-5882	55	5	degree	degree	NOUN
fbem-5882	55	6	of	of	ADP
fbem-5882	55	7	information	information	NOUN
fbem-5882	55	8	virtualization	virtualization	NOUN
fbem-5882	55	9	in	in	ADP
fbem-5882	55	10	the	the	DET
fbem-5882	55	11	internet	internet	NOUN
fbem-5882	55	12	financial	financial	ADJ
fbem-5882	55	13	transaction	transaction	NOUN
fbem-5882	55	14	process	process	NOUN
fbem-5882	55	15	is	be	AUX
fbem-5882	55	16	high	high	ADJ
fbem-5882	55	17	,	,	PUNCT
fbem-5882	55	18	and	and	CCONJ
fbem-5882	55	19	the	the	DET
fbem-5882	55	20	authenticity	authenticity	NOUN
fbem-5882	55	21	is	be	AUX
fbem-5882	55	22	not	not	PART
fbem-5882	55	23	easy	easy	ADJ
fbem-5882	55	24	to	to	PART
fbem-5882	55	25	investigate	investigate	VERB
fbem-5882	55	26	and	and	CCONJ
fbem-5882	55	27	verify	verify	VERB
fbem-5882	55	28	.	.	PUNCT
fbem-5882	56	1	in	in	ADP
fbem-5882	56	2	a	a	DET
fbem-5882	56	3	word	word	NOUN
fbem-5882	56	4	,	,	PUNCT
fbem-5882	56	5	in	in	ADP
fbem-5882	56	6	the	the	DET
fbem-5882	56	7	stage	stage	NOUN
fbem-5882	56	8	of	of	ADP
fbem-5882	56	9	small	small	ADJ
fbem-5882	56	10	and	and	CCONJ
fbem-5882	56	11	medium	medium	ADJ
fbem-5882	56	12	-	-	PUNCT
fbem-5882	56	13	sized	sized	ADJ
fbem-5882	56	14	commercial	commercial	ADJ
fbem-5882	56	15	banks	bank	NOUN
fbem-5882	56	16	seeking	seek	VERB
fbem-5882	56	17	transformation	transformation	NOUN
fbem-5882	56	18	and	and	CCONJ
fbem-5882	56	19	upgrading	upgrading	NOUN
fbem-5882	56	20	,	,	PUNCT
fbem-5882	56	21	while	while	SCONJ
fbem-5882	56	22	developing	develop	VERB
fbem-5882	56	23	in	in	ADP
fbem-5882	56	24	combination	combination	NOUN
fbem-5882	56	25	with	with	ADP
fbem-5882	56	26	traditional	traditional	ADJ
fbem-5882	56	27	internet	internet	NOUN
fbem-5882	56	28	financial	financial	ADJ
fbem-5882	56	29	business	business	NOUN
fbem-5882	56	30	,	,	PUNCT
fbem-5882	56	31	they	they	PRON
fbem-5882	56	32	must	must	AUX
fbem-5882	56	33	also	also	ADV
fbem-5882	56	34	constantly	constantly	ADV
fbem-5882	56	35	strengthen	strengthen	VERB
fbem-5882	56	36	the	the	DET
fbem-5882	56	37	risk	risk	NOUN
fbem-5882	56	38	prevention	prevention	NOUN
fbem-5882	56	39	and	and	CCONJ
fbem-5882	56	40	control	control	NOUN
fbem-5882	56	41	supervision	supervision	NOUN
fbem-5882	56	42	between	between	ADP
fbem-5882	56	43	traditional	traditional	ADJ
fbem-5882	56	44	internet	internet	NOUN
fbem-5882	56	45	financial	financial	ADJ
fbem-5882	56	46	enterprises	enterprise	NOUN
fbem-5882	56	47	and	and	CCONJ
fbem-5882	56	48	small	small	ADJ
fbem-5882	56	49	and	and	CCONJ
fbem-5882	56	50	medium	medium	ADJ
fbem-5882	56	51	-	-	PUNCT
fbem-5882	56	52	sized	sized	ADJ
fbem-5882	56	53	commercial	commercial	ADJ
fbem-5882	56	54	banks	bank	NOUN
fbem-5882	56	55	,	,	PUNCT
fbem-5882	56	56	establish	establish	VERB
fbem-5882	56	57	and	and	CCONJ
fbem-5882	56	58	improve	improve	VERB
fbem-5882	56	59	the	the	DET
fbem-5882	56	60	comprehensive	comprehensive	ADJ
fbem-5882	56	61	risk	risk	NOUN
fbem-5882	56	62	supervision	supervision	NOUN
fbem-5882	56	63	policy	policy	NOUN
fbem-5882	56	64	framework	framework	NOUN
fbem-5882	56	65	of	of	ADP
fbem-5882	56	66	the	the	DET
fbem-5882	56	67	banking	banking	NOUN
fbem-5882	56	68	industry	industry	NOUN
fbem-5882	56	69	,	,	PUNCT
fbem-5882	56	70	and	and	CCONJ
fbem-5882	56	71	formulate	formulate	VERB
fbem-5882	56	72	corresponding	corresponding	ADJ
fbem-5882	56	73	laws	law	NOUN
fbem-5882	56	74	and	and	CCONJ
fbem-5882	56	75	regulations	regulation	NOUN
fbem-5882	56	76	for	for	ADP
fbem-5882	56	77	unified	unified	ADJ
fbem-5882	56	78	supervision	supervision	NOUN
fbem-5882	56	79	of	of	ADP
fbem-5882	56	80	the	the	DET
fbem-5882	56	81	industry	industry	NOUN
fbem-5882	56	82	.	.	PUNCT
fbem-5882	57	1	while	while	SCONJ
fbem-5882	57	2	attaching	attach	VERB
fbem-5882	57	3	importance	importance	NOUN
fbem-5882	57	4	to	to	ADP
fbem-5882	57	5	the	the	DET
fbem-5882	57	6	supervision	supervision	NOUN
fbem-5882	57	7	of	of	ADP
fbem-5882	57	8	banking	banking	NOUN
fbem-5882	57	9	institutions	institution	NOUN
fbem-5882	57	10	,	,	PUNCT
fbem-5882	57	11	we	we	PRON
fbem-5882	57	12	should	should	AUX
fbem-5882	57	13	also	also	ADV
fbem-5882	57	14	attach	attach	VERB
fbem-5882	57	15	importance	importance	NOUN
fbem-5882	57	16	to	to	ADP
fbem-5882	57	17	the	the	DET
fbem-5882	57	18	business	business	NOUN
fbem-5882	57	19	supervision	supervision	NOUN
fbem-5882	57	20	of	of	ADP
fbem-5882	57	21	the	the	DET
fbem-5882	57	22	industry	industry	NOUN
fbem-5882	57	23	.	.	PUNCT
fbem-5882	58	1	92	92	NUM
fbem-5882	58	2	5.3	5.3	NUM
fbem-5882	58	3	.	.	PUNCT
fbem-5882	59	1	improve	improve	VERB
fbem-5882	59	2	talent	talent	NOUN
fbem-5882	59	3	development	development	NOUN
fbem-5882	59	4	driven	drive	VERB
fbem-5882	59	5	by	by	ADP
fbem-5882	59	6	big	big	ADJ
fbem-5882	59	7	data	datum	NOUN
fbem-5882	59	8	and	and	CCONJ
fbem-5882	59	9	internet	internet	NOUN
fbem-5882	59	10	finance	finance	NOUN
fbem-5882	59	11	,	,	PUNCT
fbem-5882	59	12	small	small	ADJ
fbem-5882	59	13	and	and	CCONJ
fbem-5882	59	14	mediumsized	mediumsized	ADJ
fbem-5882	59	15	commercial	commercial	ADJ
fbem-5882	59	16	banks	bank	NOUN
fbem-5882	59	17	must	must	AUX
fbem-5882	59	18	focus	focus	VERB
fbem-5882	59	19	on	on	ADP
fbem-5882	59	20	how	how	SCONJ
fbem-5882	59	21	to	to	PART
fbem-5882	59	22	build	build	VERB
fbem-5882	59	23	a	a	DET
fbem-5882	59	24	hightech	hightech	ADJ
fbem-5882	59	25	financial	financial	ADJ
fbem-5882	59	26	talent	talent	NOUN
fbem-5882	59	27	system	system	NOUN
fbem-5882	59	28	.	.	PUNCT
fbem-5882	60	1	the	the	DET
fbem-5882	60	2	background	background	NOUN
fbem-5882	60	3	of	of	ADP
fbem-5882	60	4	all	all	DET
fbem-5882	60	5	kinds	kind	NOUN
fbem-5882	60	6	of	of	ADP
fbem-5882	60	7	financial	financial	ADJ
fbem-5882	60	8	employees	employee	NOUN
fbem-5882	60	9	currently	currently	ADV
fbem-5882	60	10	recruited	recruit	VERB
fbem-5882	60	11	by	by	ADP
fbem-5882	60	12	small	small	ADJ
fbem-5882	60	13	and	and	CCONJ
fbem-5882	60	14	medium	medium	ADJ
fbem-5882	60	15	-	-	PUNCT
fbem-5882	60	16	sized	sized	ADJ
fbem-5882	60	17	commercial	commercial	ADJ
fbem-5882	60	18	banks	bank	NOUN
fbem-5882	60	19	is	be	AUX
fbem-5882	60	20	mainly	mainly	ADV
fbem-5882	60	21	reflected	reflect	VERB
fbem-5882	60	22	in	in	ADP
fbem-5882	60	23	the	the	DET
fbem-5882	60	24	fields	field	NOUN
fbem-5882	60	25	of	of	ADP
fbem-5882	60	26	finance	finance	NOUN
fbem-5882	60	27	,	,	PUNCT
fbem-5882	60	28	economy	economy	NOUN
fbem-5882	60	29	and	and	CCONJ
fbem-5882	60	30	public	public	ADJ
fbem-5882	60	31	product	product	NOUN
fbem-5882	60	32	management	management	NOUN
fbem-5882	60	33	services	service	NOUN
fbem-5882	60	34	.	.	PUNCT
fbem-5882	61	1	there	there	PRON
fbem-5882	61	2	are	be	VERB
fbem-5882	61	3	relatively	relatively	ADV
fbem-5882	61	4	few	few	ADJ
fbem-5882	61	5	senior	senior	ADJ
fbem-5882	61	6	application	application	NOUN
fbem-5882	61	7	-	-	PUNCT
fbem-5882	61	8	oriented	orient	VERB
fbem-5882	61	9	talents	talent	NOUN
fbem-5882	61	10	with	with	ADP
fbem-5882	61	11	computer	computer	NOUN
fbem-5882	61	12	science	science	NOUN
fbem-5882	61	13	and	and	CCONJ
fbem-5882	61	14	technology	technology	NOUN
fbem-5882	61	15	knowledge	knowledge	NOUN
fbem-5882	61	16	background	background	NOUN
fbem-5882	61	17	and	and	CCONJ
fbem-5882	61	18	ability	ability	NOUN
fbem-5882	61	19	reserve	reserve	NOUN
fbem-5882	61	20	,	,	PUNCT
fbem-5882	61	21	so	so	ADV
fbem-5882	61	22	the	the	DET
fbem-5882	61	23	professional	professional	ADJ
fbem-5882	61	24	quality	quality	NOUN
fbem-5882	61	25	of	of	ADP
fbem-5882	61	26	the	the	DET
fbem-5882	61	27	personnel	personnel	NOUN
fbem-5882	61	28	with	with	ADP
fbem-5882	61	29	relevant	relevant	ADJ
fbem-5882	61	30	working	work	VERB
fbem-5882	61	31	backgrounds	background	NOUN
fbem-5882	61	32	in	in	ADP
fbem-5882	61	33	the	the	DET
fbem-5882	61	34	field	field	NOUN
fbem-5882	61	35	of	of	ADP
fbem-5882	61	36	commercial	commercial	ADJ
fbem-5882	61	37	banks	bank	NOUN
fbem-5882	61	38	and	and	CCONJ
fbem-5882	61	39	internet	internet	NOUN
fbem-5882	61	40	finance	finance	NOUN
fbem-5882	61	41	is	be	AUX
fbem-5882	61	42	relatively	relatively	ADV
fbem-5882	61	43	low	low	ADJ
fbem-5882	61	44	.	.	PUNCT
fbem-5882	62	1	under	under	ADP
fbem-5882	62	2	the	the	DET
fbem-5882	62	3	macro	macro	ADJ
fbem-5882	62	4	policy	policy	NOUN
fbem-5882	62	5	background	background	NOUN
fbem-5882	62	6	of	of	ADP
fbem-5882	62	7	developing	develop	VERB
fbem-5882	62	8	the	the	DET
fbem-5882	62	9	current	current	ADJ
fbem-5882	62	10	internet	internet	NOUN
fbem-5882	62	11	financial	financial	ADJ
fbem-5882	62	12	business	business	NOUN
fbem-5882	62	13	,	,	PUNCT
fbem-5882	62	14	if	if	SCONJ
fbem-5882	62	15	small	small	ADJ
fbem-5882	62	16	and	and	CCONJ
fbem-5882	62	17	medium	medium	ADJ
fbem-5882	62	18	-	-	PUNCT
fbem-5882	62	19	sized	sized	ADJ
fbem-5882	62	20	commercial	commercial	ADJ
fbem-5882	62	21	banks	bank	NOUN
fbem-5882	62	22	want	want	VERB
fbem-5882	62	23	to	to	PART
fbem-5882	62	24	achieve	achieve	VERB
fbem-5882	62	25	the	the	DET
fbem-5882	62	26	new	new	ADJ
fbem-5882	62	27	development	development	NOUN
fbem-5882	62	28	effect	effect	NOUN
fbem-5882	62	29	of	of	ADP
fbem-5882	62	30	financial	financial	ADJ
fbem-5882	62	31	transformation	transformation	NOUN
fbem-5882	62	32	,	,	PUNCT
fbem-5882	62	33	innovation	innovation	NOUN
fbem-5882	62	34	and	and	CCONJ
fbem-5882	62	35	upgrading	upgrading	NOUN
fbem-5882	62	36	,	,	PUNCT
fbem-5882	62	37	it	it	PRON
fbem-5882	62	38	means	mean	VERB
fbem-5882	62	39	that	that	SCONJ
fbem-5882	62	40	they	they	PRON
fbem-5882	62	41	must	must	AUX
fbem-5882	62	42	focus	focus	VERB
fbem-5882	62	43	on	on	ADP
fbem-5882	62	44	training	train	VERB
fbem-5882	62	45	modern	modern	ADJ
fbem-5882	62	46	information	information	NOUN
fbem-5882	62	47	technology	technology	NOUN
fbem-5882	62	48	talents	talent	NOUN
fbem-5882	62	49	that	that	PRON
fbem-5882	62	50	meet	meet	VERB
fbem-5882	62	51	the	the	DET
fbem-5882	62	52	needs	need	NOUN
fbem-5882	62	53	of	of	ADP
fbem-5882	62	54	the	the	DET
fbem-5882	62	55	transformation	transformation	NOUN
fbem-5882	62	56	and	and	CCONJ
fbem-5882	62	57	modernization	modernization	NOUN
fbem-5882	62	58	of	of	ADP
fbem-5882	62	59	domestic	domestic	ADJ
fbem-5882	62	60	financial	financial	ADJ
fbem-5882	62	61	industry	industry	NOUN
fbem-5882	62	62	and	and	CCONJ
fbem-5882	62	63	the	the	DET
fbem-5882	62	64	characteristics	characteristic	NOUN
fbem-5882	62	65	of	of	ADP
fbem-5882	62	66	its	its	PRON
fbem-5882	62	67	development	development	NOUN
fbem-5882	62	68	laws	law	NOUN
fbem-5882	62	69	,	,	PUNCT
fbem-5882	62	70	so	so	SCONJ
fbem-5882	62	71	that	that	SCONJ
fbem-5882	62	72	the	the	DET
fbem-5882	62	73	talents	talent	NOUN
fbem-5882	62	74	of	of	ADP
fbem-5882	62	75	commercial	commercial	ADJ
fbem-5882	62	76	banks	bank	NOUN
fbem-5882	62	77	can	can	AUX
fbem-5882	62	78	achieve	achieve	VERB
fbem-5882	62	79	diversified	diversified	ADJ
fbem-5882	62	80	construction	construction	NOUN
fbem-5882	62	81	and	and	CCONJ
fbem-5882	62	82	development	development	NOUN
fbem-5882	62	83	.	.	PUNCT
fbem-5882	63	1	first	first	ADV
fbem-5882	63	2	of	of	ADP
fbem-5882	63	3	all	all	PRON
fbem-5882	63	4	,	,	PUNCT
fbem-5882	63	5	we	we	PRON
fbem-5882	63	6	should	should	AUX
fbem-5882	63	7	independently	independently	ADV
fbem-5882	63	8	recruit	recruit	VERB
fbem-5882	63	9	information	information	NOUN
fbem-5882	63	10	professionals	professional	NOUN
fbem-5882	63	11	through	through	ADP
fbem-5882	63	12	multiple	multiple	ADJ
fbem-5882	63	13	channels	channel	NOUN
fbem-5882	63	14	in	in	ADP
fbem-5882	63	15	colleges	college	NOUN
fbem-5882	63	16	and	and	CCONJ
fbem-5882	63	17	universities	university	NOUN
fbem-5882	63	18	,	,	PUNCT
fbem-5882	63	19	pay	pay	VERB
fbem-5882	63	20	attention	attention	NOUN
fbem-5882	63	21	to	to	ADP
fbem-5882	63	22	the	the	DET
fbem-5882	63	23	recruitment	recruitment	NOUN
fbem-5882	63	24	of	of	ADP
fbem-5882	63	25	application	application	NOUN
fbem-5882	63	26	-	-	PUNCT
fbem-5882	63	27	oriented	orient	VERB
fbem-5882	63	28	computer	computer	NOUN
fbem-5882	63	29	technology	technology	NOUN
fbem-5882	63	30	composite	composite	ADJ
fbem-5882	63	31	and	and	CCONJ
fbem-5882	63	32	high	high	ADJ
fbem-5882	63	33	-	-	PUNCT
fbem-5882	63	34	quality	quality	NOUN
fbem-5882	63	35	application	application	NOUN
fbem-5882	63	36	-	-	PUNCT
fbem-5882	63	37	oriented	orient	VERB
fbem-5882	63	38	talents	talent	NOUN
fbem-5882	63	39	,	,	PUNCT
fbem-5882	63	40	gradually	gradually	ADV
fbem-5882	63	41	appropriately	appropriately	ADV
fbem-5882	63	42	increase	increase	VERB
fbem-5882	63	43	the	the	DET
fbem-5882	63	44	number	number	NOUN
fbem-5882	63	45	of	of	ADP
fbem-5882	63	46	skilled	skilled	ADJ
fbem-5882	63	47	and	and	CCONJ
fbem-5882	63	48	high	high	ADJ
fbem-5882	63	49	-	-	PUNCT
fbem-5882	63	50	quality	quality	NOUN
fbem-5882	63	51	personnel	personnel	NOUN
fbem-5882	63	52	engaged	engage	VERB
fbem-5882	63	53	in	in	ADP
fbem-5882	63	54	electronic	electronic	ADJ
fbem-5882	63	55	information	information	NOUN
fbem-5882	63	56	technology	technology	NOUN
fbem-5882	63	57	professional	professional	ADJ
fbem-5882	63	58	services	service	NOUN
fbem-5882	63	59	in	in	ADP
fbem-5882	63	60	society	society	NOUN
fbem-5882	63	61	,	,	PUNCT
fbem-5882	63	62	and	and	CCONJ
fbem-5882	63	63	improve	improve	VERB
fbem-5882	63	64	the	the	DET
fbem-5882	63	65	structure	structure	NOUN
fbem-5882	63	66	of	of	ADP
fbem-5882	63	67	relevant	relevant	ADJ
fbem-5882	63	68	personnel	personnel	NOUN
fbem-5882	63	69	in	in	ADP
fbem-5882	63	70	the	the	DET
fbem-5882	63	71	school	school	NOUN
fbem-5882	63	72	.	.	PUNCT
fbem-5882	64	1	secondly	secondly	ADV
fbem-5882	64	2	,	,	PUNCT
fbem-5882	64	3	it	it	PRON
fbem-5882	64	4	should	should	AUX
fbem-5882	64	5	also	also	ADV
fbem-5882	64	6	be	be	AUX
fbem-5882	64	7	clear	clear	ADJ
fbem-5882	64	8	that	that	SCONJ
fbem-5882	64	9	after	after	SCONJ
fbem-5882	64	10	the	the	DET
fbem-5882	64	11	company	company	NOUN
fbem-5882	64	12	recruits	recruit	VERB
fbem-5882	64	13	excellent	excellent	ADJ
fbem-5882	64	14	new	new	ADJ
fbem-5882	64	15	employees	employee	NOUN
fbem-5882	64	16	every	every	DET
fbem-5882	64	17	year	year	NOUN
fbem-5882	64	18	,	,	PUNCT
fbem-5882	64	19	it	it	PRON
fbem-5882	64	20	should	should	AUX
fbem-5882	64	21	also	also	ADV
fbem-5882	64	22	focus	focus	VERB
fbem-5882	64	23	on	on	ADP
fbem-5882	64	24	strengthening	strengthen	VERB
fbem-5882	64	25	the	the	DET
fbem-5882	64	26	pre	pre	ADJ
fbem-5882	64	27	job	job	NOUN
fbem-5882	64	28	and	and	CCONJ
fbem-5882	64	29	professional	professional	ADJ
fbem-5882	64	30	ability	ability	NOUN
fbem-5882	64	31	training	training	NOUN
fbem-5882	64	32	,	,	PUNCT
fbem-5882	64	33	and	and	CCONJ
fbem-5882	64	34	actively	actively	ADV
fbem-5882	64	35	organize	organize	VERB
fbem-5882	64	36	the	the	DET
fbem-5882	64	37	enterprise	enterprise	NOUN
fbem-5882	64	38	's	's	PART
fbem-5882	64	39	front	front	ADJ
fbem-5882	64	40	-	-	PUNCT
fbem-5882	64	41	line	line	NOUN
fbem-5882	64	42	employees	employee	NOUN
fbem-5882	64	43	to	to	PART
fbem-5882	64	44	further	far	ADV
fbem-5882	64	45	study	study	VERB
fbem-5882	64	46	for	for	ADP
fbem-5882	64	47	subsequent	subsequent	ADJ
fbem-5882	64	48	enterprise	enterprise	NOUN
fbem-5882	64	49	training	training	NOUN
fbem-5882	64	50	.	.	PUNCT
fbem-5882	65	1	in	in	ADP
fbem-5882	65	2	the	the	DET
fbem-5882	65	3	process	process	NOUN
fbem-5882	65	4	of	of	ADP
fbem-5882	65	5	their	their	PRON
fbem-5882	65	6	own	own	ADJ
fbem-5882	65	7	development	development	NOUN
fbem-5882	65	8	,	,	PUNCT
fbem-5882	65	9	small	small	ADJ
fbem-5882	65	10	and	and	CCONJ
fbem-5882	65	11	medium	medium	ADJ
fbem-5882	65	12	-	-	PUNCT
fbem-5882	65	13	sized	sized	ADJ
fbem-5882	65	14	comprehensive	comprehensive	ADJ
fbem-5882	65	15	financial	financial	ADJ
fbem-5882	65	16	and	and	CCONJ
fbem-5882	65	17	commercial	commercial	ADJ
fbem-5882	65	18	banks	bank	NOUN
fbem-5882	65	19	should	should	AUX
fbem-5882	65	20	constantly	constantly	ADV
fbem-5882	65	21	make	make	VERB
fbem-5882	65	22	efforts	effort	NOUN
fbem-5882	65	23	in	in	ADP
fbem-5882	65	24	practice	practice	NOUN
fbem-5882	65	25	to	to	PART
fbem-5882	65	26	stimulate	stimulate	VERB
fbem-5882	65	27	the	the	DET
fbem-5882	65	28	overall	overall	ADJ
fbem-5882	65	29	vitality	vitality	NOUN
fbem-5882	65	30	,	,	PUNCT
fbem-5882	65	31	enthusiasm	enthusiasm	NOUN
fbem-5882	65	32	and	and	CCONJ
fbem-5882	65	33	sense	sense	NOUN
fbem-5882	65	34	of	of	ADP
fbem-5882	65	35	belonging	belong	VERB
fbem-5882	65	36	of	of	ADP
fbem-5882	65	37	customer	customer	NOUN
fbem-5882	65	38	groups	group	NOUN
fbem-5882	65	39	of	of	ADP
fbem-5882	65	40	small	small	ADJ
fbem-5882	65	41	and	and	CCONJ
fbem-5882	65	42	medium	medium	ADJ
fbem-5882	65	43	-	-	PUNCT
fbem-5882	65	44	sized	sized	ADJ
fbem-5882	65	45	grass	grass	NOUN
fbem-5882	65	46	-	-	PUNCT
fbem-5882	65	47	roots	root	NOUN
fbem-5882	65	48	banks	bank	NOUN
fbem-5882	65	49	'	'	PART
fbem-5882	65	50	staff	staff	NOUN
fbem-5882	65	51	teams	team	NOUN
fbem-5882	65	52	,	,	PUNCT
fbem-5882	65	53	so	so	SCONJ
fbem-5882	65	54	as	as	SCONJ
fbem-5882	65	55	to	to	PART
fbem-5882	65	56	achieve	achieve	VERB
fbem-5882	65	57	more	more	ADV
fbem-5882	65	58	healthy	healthy	ADJ
fbem-5882	65	59	and	and	CCONJ
fbem-5882	65	60	stable	stable	ADJ
fbem-5882	65	61	sustainable	sustainable	ADJ
fbem-5882	65	62	development	development	NOUN
fbem-5882	65	63	.	.	PUNCT
fbem-5882	66	1	5.4	5.4	NUM
fbem-5882	66	2	.	.	PUNCT
fbem-5882	67	1	improve	improve	VERB
fbem-5882	67	2	customer	customer	NOUN
fbem-5882	67	3	service	service	NOUN
fbem-5882	67	4	small	small	ADJ
fbem-5882	67	5	and	and	CCONJ
fbem-5882	67	6	medium	medium	ADJ
fbem-5882	67	7	-	-	PUNCT
fbem-5882	67	8	sized	sized	ADJ
fbem-5882	67	9	commercial	commercial	ADJ
fbem-5882	67	10	banks	bank	NOUN
fbem-5882	67	11	should	should	AUX
fbem-5882	67	12	pay	pay	VERB
fbem-5882	67	13	attention	attention	NOUN
fbem-5882	67	14	to	to	ADP
fbem-5882	67	15	the	the	DET
fbem-5882	67	16	improvement	improvement	NOUN
fbem-5882	67	17	of	of	ADP
fbem-5882	67	18	customer	customer	NOUN
fbem-5882	67	19	satisfaction	satisfaction	NOUN
fbem-5882	67	20	.	.	PUNCT
fbem-5882	68	1	compared	compare	VERB
fbem-5882	68	2	with	with	ADP
fbem-5882	68	3	small	small	ADJ
fbem-5882	68	4	and	and	CCONJ
fbem-5882	68	5	medium	medium	ADJ
fbem-5882	68	6	-	-	PUNCT
fbem-5882	68	7	sized	sized	ADJ
fbem-5882	68	8	commercial	commercial	ADJ
fbem-5882	68	9	banks	bank	NOUN
fbem-5882	68	10	,	,	PUNCT
fbem-5882	68	11	the	the	DET
fbem-5882	68	12	service	service	NOUN
fbem-5882	68	13	operation	operation	NOUN
fbem-5882	68	14	under	under	ADP
fbem-5882	68	15	the	the	DET
fbem-5882	68	16	internet	internet	NOUN
fbem-5882	68	17	financial	financial	ADJ
fbem-5882	68	18	platform	platform	NOUN
fbem-5882	68	19	is	be	AUX
fbem-5882	68	20	more	more	ADV
fbem-5882	68	21	convenient	convenient	ADJ
fbem-5882	68	22	and	and	CCONJ
fbem-5882	68	23	fast	fast	ADV
fbem-5882	68	24	,	,	PUNCT
fbem-5882	68	25	the	the	DET
fbem-5882	68	26	interface	interface	NOUN
fbem-5882	68	27	is	be	AUX
fbem-5882	68	28	simple	simple	ADJ
fbem-5882	68	29	and	and	CCONJ
fbem-5882	68	30	easy	easy	ADJ
fbem-5882	68	31	to	to	PART
fbem-5882	68	32	understand	understand	VERB
fbem-5882	68	33	,	,	PUNCT
fbem-5882	68	34	the	the	DET
fbem-5882	68	35	steps	step	NOUN
fbem-5882	68	36	are	be	AUX
fbem-5882	68	37	simple	simple	ADJ
fbem-5882	68	38	and	and	CCONJ
fbem-5882	68	39	convenient	convenient	ADJ
fbem-5882	68	40	,	,	PUNCT
fbem-5882	68	41	the	the	DET
fbem-5882	68	42	customers	customer	NOUN
fbem-5882	68	43	save	save	VERB
fbem-5882	68	44	time	time	NOUN
fbem-5882	68	45	and	and	CCONJ
fbem-5882	68	46	effort	effort	NOUN
fbem-5882	68	47	,	,	PUNCT
fbem-5882	68	48	and	and	CCONJ
fbem-5882	68	49	have	have	VERB
fbem-5882	68	50	a	a	DET
fbem-5882	68	51	new	new	ADJ
fbem-5882	68	52	service	service	NOUN
fbem-5882	68	53	experience	experience	NOUN
fbem-5882	68	54	,	,	PUNCT
fbem-5882	68	55	thus	thus	ADV
fbem-5882	68	56	causing	cause	VERB
fbem-5882	68	57	serious	serious	ADJ
fbem-5882	68	58	customer	customer	NOUN
fbem-5882	68	59	loss	loss	NOUN
fbem-5882	68	60	of	of	ADP
fbem-5882	68	61	traditional	traditional	ADJ
fbem-5882	68	62	small	small	ADJ
fbem-5882	68	63	and	and	CCONJ
fbem-5882	68	64	medium	medium	ADJ
fbem-5882	68	65	-	-	PUNCT
fbem-5882	68	66	sized	sized	ADJ
fbem-5882	68	67	commercial	commercial	ADJ
fbem-5882	68	68	banks	bank	NOUN
fbem-5882	68	69	.	.	PUNCT
fbem-5882	69	1	in	in	ADP
fbem-5882	69	2	view	view	NOUN
fbem-5882	69	3	of	of	ADP
fbem-5882	69	4	the	the	DET
fbem-5882	69	5	above	above	ADJ
fbem-5882	69	6	bank	bank	NOUN
fbem-5882	69	7	situation	situation	NOUN
fbem-5882	69	8	,	,	PUNCT
fbem-5882	69	9	small	small	ADJ
fbem-5882	69	10	and	and	CCONJ
fbem-5882	69	11	medium	medium	ADJ
fbem-5882	69	12	-	-	PUNCT
fbem-5882	69	13	sized	sized	ADJ
fbem-5882	69	14	commercial	commercial	ADJ
fbem-5882	69	15	banks	bank	NOUN
fbem-5882	69	16	should	should	AUX
fbem-5882	69	17	be	be	AUX
fbem-5882	69	18	more	more	ADJ
fbem-5882	69	19	timely.[3	timely.[3	NOUN
fbem-5882	69	20	]	]	PUNCT
fbem-5882	69	21	for	for	ADP
fbem-5882	69	22	example	example	NOUN
fbem-5882	69	23	,	,	PUNCT
fbem-5882	69	24	the	the	DET
fbem-5882	69	25	operation	operation	NOUN
fbem-5882	69	26	and	and	CCONJ
fbem-5882	69	27	function	function	NOUN
fbem-5882	69	28	interface	interface	NOUN
fbem-5882	69	29	settings	setting	NOUN
fbem-5882	69	30	of	of	ADP
fbem-5882	69	31	the	the	DET
fbem-5882	69	32	bank	bank	NOUN
fbem-5882	69	33	self	self	NOUN
fbem-5882	69	34	-	-	PUNCT
fbem-5882	69	35	service	service	NOUN
fbem-5882	69	36	system	system	NOUN
fbem-5882	69	37	are	be	AUX
fbem-5882	69	38	complex	complex	ADJ
fbem-5882	69	39	,	,	PUNCT
fbem-5882	69	40	the	the	DET
fbem-5882	69	41	bank	bank	PROPN
fbem-5882	69	42	counter	counter	PROPN
fbem-5882	69	43	business	business	NOUN
fbem-5882	69	44	efficiency	efficiency	NOUN
fbem-5882	69	45	is	be	AUX
fbem-5882	69	46	low	low	ADJ
fbem-5882	69	47	,	,	PUNCT
fbem-5882	69	48	and	and	CCONJ
fbem-5882	69	49	the	the	DET
fbem-5882	69	50	operation	operation	NOUN
fbem-5882	69	51	and	and	CCONJ
fbem-5882	69	52	process	process	NOUN
fbem-5882	69	53	settings	setting	NOUN
fbem-5882	69	54	such	such	ADJ
fbem-5882	69	55	as	as	ADP
fbem-5882	69	56	business	business	NOUN
fbem-5882	69	57	consultation	consultation	NOUN
fbem-5882	69	58	application	application	NOUN
fbem-5882	69	59	processing	processing	NOUN
fbem-5882	69	60	are	be	AUX
fbem-5882	69	61	not	not	PART
fbem-5882	69	62	convenient	convenient	ADJ
fbem-5882	69	63	enough	enough	ADV
fbem-5882	69	64	.	.	PUNCT
fbem-5882	70	1	small	small	ADJ
fbem-5882	70	2	and	and	CCONJ
fbem-5882	70	3	medium	medium	ADJ
fbem-5882	70	4	-	-	PUNCT
fbem-5882	70	5	sized	sized	ADJ
fbem-5882	70	6	commercial	commercial	ADJ
fbem-5882	70	7	banks	bank	NOUN
fbem-5882	70	8	should	should	AUX
fbem-5882	70	9	pay	pay	VERB
fbem-5882	70	10	attention	attention	NOUN
fbem-5882	70	11	to	to	ADP
fbem-5882	70	12	improving	improve	VERB
fbem-5882	70	13	or	or	CCONJ
fbem-5882	70	14	adjusting	adjust	VERB
fbem-5882	70	15	the	the	DET
fbem-5882	70	16	system	system	NOUN
fbem-5882	70	17	in	in	ADP
fbem-5882	70	18	time	time	NOUN
fbem-5882	70	19	according	accord	VERB
fbem-5882	70	20	to	to	ADP
fbem-5882	70	21	these	these	DET
fbem-5882	70	22	characteristics	characteristic	NOUN
fbem-5882	70	23	.	.	PUNCT
fbem-5882	71	1	pay	pay	VERB
fbem-5882	71	2	attention	attention	NOUN
fbem-5882	71	3	to	to	ADP
fbem-5882	71	4	improving	improve	VERB
fbem-5882	71	5	the	the	DET
fbem-5882	71	6	simple	simple	ADJ
fbem-5882	71	7	,	,	PUNCT
fbem-5882	71	8	convenient	convenient	ADJ
fbem-5882	71	9	and	and	CCONJ
fbem-5882	71	10	personalized	personalized	ADJ
fbem-5882	71	11	design	design	NOUN
fbem-5882	71	12	and	and	CCONJ
fbem-5882	71	13	service	service	NOUN
fbem-5882	71	14	experience	experience	NOUN
fbem-5882	71	15	in	in	ADP
fbem-5882	71	16	the	the	DET
fbem-5882	71	17	bank	bank	NOUN
fbem-5882	71	18	customer	customer	NOUN
fbem-5882	71	19	service	service	NOUN
fbem-5882	71	20	operation	operation	NOUN
fbem-5882	71	21	,	,	PUNCT
fbem-5882	71	22	optimize	optimize	VERB
fbem-5882	71	23	and	and	CCONJ
fbem-5882	71	24	adjust	adjust	VERB
fbem-5882	71	25	the	the	DET
fbem-5882	71	26	business	business	NOUN
fbem-5882	71	27	functions	function	NOUN
fbem-5882	71	28	,	,	PUNCT
fbem-5882	71	29	operation	operation	NOUN
fbem-5882	71	30	settings	setting	NOUN
fbem-5882	71	31	and	and	CCONJ
fbem-5882	71	32	functional	functional	ADJ
fbem-5882	71	33	interfaces	interface	NOUN
fbem-5882	71	34	of	of	ADP
fbem-5882	71	35	self	self	NOUN
fbem-5882	71	36	-	-	PUNCT
fbem-5882	71	37	service	service	NOUN
fbem-5882	71	38	,	,	PUNCT
fbem-5882	71	39	mobile	mobile	ADJ
fbem-5882	71	40	banking	banking	NOUN
fbem-5882	71	41	,	,	PUNCT
fbem-5882	71	42	online	online	ADJ
fbem-5882	71	43	banking	banking	NOUN
fbem-5882	71	44	functions	function	NOUN
fbem-5882	71	45	of	of	ADP
fbem-5882	71	46	sms	sms	NOUN
fbem-5882	71	47	system	system	NOUN
fbem-5882	71	48	and	and	CCONJ
fbem-5882	71	49	other	other	ADJ
fbem-5882	71	50	aspects	aspect	NOUN
fbem-5882	71	51	of	of	ADP
fbem-5882	71	52	the	the	DET
fbem-5882	71	53	bank	bank	NOUN
fbem-5882	71	54	counters	counter	NOUN
fbem-5882	71	55	,	,	PUNCT
fbem-5882	71	56	so	so	SCONJ
fbem-5882	71	57	as	as	SCONJ
fbem-5882	71	58	to	to	PART
fbem-5882	71	59	facilitate	facilitate	VERB
fbem-5882	71	60	the	the	DET
fbem-5882	71	61	rapid	rapid	ADJ
fbem-5882	71	62	and	and	CCONJ
fbem-5882	71	63	efficient	efficient	ADJ
fbem-5882	71	64	communication	communication	NOUN
fbem-5882	71	65	and	and	CCONJ
fbem-5882	71	66	operation	operation	NOUN
fbem-5882	71	67	of	of	ADP
fbem-5882	71	68	the	the	DET
fbem-5882	71	69	bank	bank	NOUN
fbem-5882	71	70	's	's	PART
fbem-5882	71	71	end	end	NOUN
fbem-5882	71	72	users	user	NOUN
fbem-5882	71	73	through	through	ADP
fbem-5882	71	74	mobile	mobile	ADJ
fbem-5882	71	75	phones	phone	NOUN
fbem-5882	71	76	,	,	PUNCT
fbem-5882	71	77	optimize	optimize	VERB
fbem-5882	71	78	the	the	DET
fbem-5882	71	79	relevant	relevant	ADJ
fbem-5882	71	80	operation	operation	NOUN
fbem-5882	71	81	processes	process	NOUN
fbem-5882	71	82	of	of	ADP
fbem-5882	71	83	counter	counter	ADJ
fbem-5882	71	84	business	business	NOUN
fbem-5882	71	85	self	self	NOUN
fbem-5882	71	86	-	-	PUNCT
fbem-5882	71	87	service	service	NOUN
fbem-5882	71	88	acceptance	acceptance	NOUN
fbem-5882	71	89	business	business	NOUN
fbem-5882	71	90	of	of	ADP
fbem-5882	71	91	major	major	ADJ
fbem-5882	71	92	bank	bank	NOUN
fbem-5882	71	93	outlets	outlet	NOUN
fbem-5882	71	94	.	.	PUNCT
fbem-5882	72	1	6	6	NUM
fbem-5882	72	2	.	.	X
fbem-5882	72	3	conclusion	conclusion	NOUN
fbem-5882	72	4	to	to	PART
fbem-5882	72	5	sum	sum	VERB
fbem-5882	72	6	up	up	ADP
fbem-5882	72	7	,	,	PUNCT
fbem-5882	72	8	in	in	ADP
fbem-5882	72	9	view	view	NOUN
fbem-5882	72	10	of	of	ADP
fbem-5882	72	11	the	the	DET
fbem-5882	72	12	digital	digital	ADJ
fbem-5882	72	13	transformation	transformation	NOUN
fbem-5882	72	14	of	of	ADP
fbem-5882	72	15	some	some	DET
fbem-5882	72	16	small	small	ADJ
fbem-5882	72	17	and	and	CCONJ
fbem-5882	72	18	medium	medium	ADJ
fbem-5882	72	19	-	-	PUNCT
fbem-5882	72	20	sized	sized	ADJ
fbem-5882	72	21	banks	bank	NOUN
fbem-5882	72	22	,	,	PUNCT
fbem-5882	72	23	from	from	ADP
fbem-5882	72	24	the	the	DET
fbem-5882	72	25	market	market	NOUN
fbem-5882	72	26	perspective	perspective	NOUN
fbem-5882	72	27	,	,	PUNCT
fbem-5882	72	28	most	most	ADV
fbem-5882	72	29	small	small	ADJ
fbem-5882	72	30	and	and	CCONJ
fbem-5882	72	31	medium	medium	ADJ
fbem-5882	72	32	-	-	PUNCT
fbem-5882	72	33	sized	sized	ADJ
fbem-5882	72	34	banks	bank	NOUN
fbem-5882	72	35	have	have	AUX
fbem-5882	72	36	initially	initially	ADV
fbem-5882	72	37	felt	feel	VERB
fbem-5882	72	38	the	the	DET
fbem-5882	72	39	internal	internal	ADJ
fbem-5882	72	40	pressure	pressure	NOUN
fbem-5882	72	41	and	and	CCONJ
fbem-5882	72	42	market	market	NOUN
fbem-5882	72	43	necessity	necessity	NOUN
fbem-5882	72	44	of	of	ADP
fbem-5882	72	45	the	the	DET
fbem-5882	72	46	transformation	transformation	NOUN
fbem-5882	72	47	and	and	CCONJ
fbem-5882	72	48	development	development	NOUN
fbem-5882	72	49	of	of	ADP
fbem-5882	72	50	financial	financial	ADJ
fbem-5882	72	51	digital	digital	ADJ
fbem-5882	72	52	business	business	NOUN
fbem-5882	72	53	.	.	PUNCT
fbem-5882	73	1	however	however	ADV
fbem-5882	73	2	,	,	PUNCT
fbem-5882	73	3	due	due	ADP
fbem-5882	73	4	to	to	ADP
fbem-5882	73	5	the	the	DET
fbem-5882	73	6	constraints	constraint	NOUN
fbem-5882	73	7	of	of	ADP
fbem-5882	73	8	traditional	traditional	ADJ
fbem-5882	73	9	banking	banking	NOUN
fbem-5882	73	10	concepts	concept	NOUN
fbem-5882	73	11	and	and	CCONJ
fbem-5882	73	12	other	other	ADJ
fbem-5882	73	13	aspects	aspect	NOUN
fbem-5882	73	14	in	in	ADP
fbem-5882	73	15	terms	term	NOUN
fbem-5882	73	16	of	of	ADP
fbem-5882	73	17	thinking	thinking	NOUN
fbem-5882	73	18	and	and	CCONJ
fbem-5882	73	19	actual	actual	ADJ
fbem-5882	73	20	operation	operation	NOUN
fbem-5882	73	21	methods	method	NOUN
fbem-5882	73	22	,	,	PUNCT
fbem-5882	73	23	some	some	DET
fbem-5882	73	24	banks	bank	NOUN
fbem-5882	73	25	need	need	VERB
fbem-5882	73	26	to	to	PART
fbem-5882	73	27	change	change	VERB
fbem-5882	73	28	their	their	PRON
fbem-5882	73	29	marketing	marketing	NOUN
fbem-5882	73	30	concepts	concept	NOUN
fbem-5882	73	31	even	even	ADV
fbem-5882	73	32	more	more	ADV
fbem-5882	73	33	.	.	PUNCT
fbem-5882	74	1	thought	think	VERB
fbem-5882	74	2	decides	decide	VERB
fbem-5882	74	3	action	action	NOUN
fbem-5882	74	4	.	.	PUNCT
fbem-5882	75	1	in	in	ADP
fbem-5882	75	2	order	order	NOUN
fbem-5882	75	3	to	to	PART
fbem-5882	75	4	truly	truly	ADV
fbem-5882	75	5	occupy	occupy	VERB
fbem-5882	75	6	the	the	DET
fbem-5882	75	7	position	position	NOUN
fbem-5882	75	8	of	of	ADP
fbem-5882	75	9	the	the	DET
fbem-5882	75	10	industry	industry	NOUN
fbem-5882	75	11	competition	competition	NOUN
fbem-5882	75	12	center	center	NOUN
fbem-5882	75	13	with	with	ADP
fbem-5882	75	14	obvious	obvious	ADJ
fbem-5882	75	15	comparative	comparative	ADJ
fbem-5882	75	16	advantages	advantage	NOUN
fbem-5882	75	17	in	in	ADP
fbem-5882	75	18	the	the	DET
fbem-5882	75	19	context	context	NOUN
fbem-5882	75	20	of	of	ADP
fbem-5882	75	21	today	today	NOUN
fbem-5882	75	22	's	's	PART
fbem-5882	75	23	technological	technological	ADJ
fbem-5882	75	24	wave	wave	NOUN
fbem-5882	75	25	and	and	CCONJ
fbem-5882	75	26	network	network	NOUN
fbem-5882	75	27	finance	finance	NOUN
fbem-5882	75	28	,	,	PUNCT
fbem-5882	75	29	we	we	PRON
fbem-5882	75	30	must	must	AUX
fbem-5882	75	31	first	first	ADV
fbem-5882	75	32	occupy	occupy	VERB
fbem-5882	75	33	the	the	DET
fbem-5882	75	34	forefront	forefront	NOUN
fbem-5882	75	35	of	of	ADP
fbem-5882	75	36	the	the	DET
fbem-5882	75	37	times	time	NOUN
fbem-5882	75	38	in	in	ADP
fbem-5882	75	39	terms	term	NOUN
fbem-5882	75	40	of	of	ADP
fbem-5882	75	41	technical	technical	ADJ
fbem-5882	75	42	ideas	idea	NOUN
fbem-5882	75	43	.	.	PUNCT
fbem-5882	76	1	the	the	DET
fbem-5882	76	2	banking	banking	NOUN
fbem-5882	76	3	and	and	CCONJ
fbem-5882	76	4	retail	retail	ADJ
fbem-5882	76	5	industry	industry	NOUN
fbem-5882	76	6	has	have	AUX
fbem-5882	76	7	adopted	adopt	VERB
fbem-5882	76	8	a	a	DET
fbem-5882	76	9	new	new	ADJ
fbem-5882	76	10	internet	internet	NOUN
fbem-5882	76	11	financial	financial	ADJ
fbem-5882	76	12	marketing	marketing	NOUN
fbem-5882	76	13	management	management	NOUN
fbem-5882	76	14	mode	mode	NOUN
fbem-5882	76	15	,	,	PUNCT
fbem-5882	76	16	which	which	PRON
fbem-5882	76	17	is	be	AUX
fbem-5882	76	18	fundamentally	fundamentally	ADV
fbem-5882	76	19	different	different	ADJ
fbem-5882	76	20	from	from	ADP
fbem-5882	76	21	the	the	DET
fbem-5882	76	22	marketing	marketing	NOUN
fbem-5882	76	23	mode	mode	NOUN
fbem-5882	76	24	of	of	ADP
fbem-5882	76	25	traditional	traditional	ADJ
fbem-5882	76	26	industries	industry	NOUN
fbem-5882	76	27	.	.	PUNCT
fbem-5882	77	1	most	most	ADJ
fbem-5882	77	2	bank	bank	NOUN
fbem-5882	77	3	managers	manager	NOUN
fbem-5882	77	4	tend	tend	VERB
fbem-5882	77	5	to	to	PART
fbem-5882	77	6	adopt	adopt	VERB
fbem-5882	77	7	a	a	DET
fbem-5882	77	8	blind	blind	ADJ
fbem-5882	77	9	and	and	CCONJ
fbem-5882	77	10	follow	follow	VERB
fbem-5882	77	11	the	the	DET
fbem-5882	77	12	trend	trend	NOUN
fbem-5882	77	13	marketing	marketing	NOUN
fbem-5882	77	14	mode	mode	NOUN
fbem-5882	77	15	,	,	PUNCT
fbem-5882	77	16	but	but	CCONJ
fbem-5882	77	17	this	this	DET
fbem-5882	77	18	marketing	marketing	NOUN
fbem-5882	77	19	mode	mode	NOUN
fbem-5882	77	20	can	can	AUX
fbem-5882	77	21	only	only	ADV
fbem-5882	77	22	enable	enable	VERB
fbem-5882	77	23	banks	bank	NOUN
fbem-5882	77	24	to	to	PART
fbem-5882	77	25	survive	survive	VERB
fbem-5882	77	26	in	in	ADP
fbem-5882	77	27	a	a	DET
fbem-5882	77	28	short	short	ADJ
fbem-5882	77	29	time	time	NOUN
fbem-5882	77	30	.	.	PUNCT
fbem-5882	78	1	banks	bank	NOUN
fbem-5882	78	2	that	that	PRON
fbem-5882	78	3	really	really	ADV
fbem-5882	78	4	want	want	VERB
fbem-5882	78	5	to	to	PART
fbem-5882	78	6	become	become	VERB
fbem-5882	78	7	bigger	big	ADJ
fbem-5882	78	8	and	and	CCONJ
fbem-5882	78	9	stronger	strong	ADJ
fbem-5882	78	10	must	must	AUX
fbem-5882	78	11	have	have	VERB
fbem-5882	78	12	a	a	DET
fbem-5882	78	13	clear	clear	ADJ
fbem-5882	78	14	understanding	understanding	NOUN
fbem-5882	78	15	of	of	ADP
fbem-5882	78	16	their	their	PRON
fbem-5882	78	17	own	own	ADJ
fbem-5882	78	18	markets	market	NOUN
fbem-5882	78	19	,	,	PUNCT
fbem-5882	78	20	be	be	AUX
fbem-5882	78	21	able	able	ADJ
fbem-5882	78	22	to	to	PART
fbem-5882	78	23	have	have	VERB
fbem-5882	78	24	a	a	DET
fbem-5882	78	25	clear	clear	ADJ
fbem-5882	78	26	understanding	understanding	NOUN
fbem-5882	78	27	of	of	ADP
fbem-5882	78	28	their	their	PRON
fbem-5882	78	29	own	own	ADJ
fbem-5882	78	30	market	market	NOUN
fbem-5882	78	31	situation	situation	NOUN
fbem-5882	78	32	and	and	CCONJ
fbem-5882	78	33	make	make	VERB
fbem-5882	78	34	the	the	DET
fbem-5882	78	35	most	most	ADV
fbem-5882	78	36	timely	timely	ADJ
fbem-5882	78	37	adjustments	adjustment	NOUN
fbem-5882	78	38	according	accord	VERB
fbem-5882	78	39	to	to	ADP
fbem-5882	78	40	the	the	DET
fbem-5882	78	41	changes	change	NOUN
fbem-5882	78	42	of	of	ADP
fbem-5882	78	43	the	the	DET
fbem-5882	78	44	current	current	ADJ
fbem-5882	78	45	situation	situation	NOUN
fbem-5882	78	46	,	,	PUNCT
fbem-5882	78	47	so	so	SCONJ
fbem-5882	78	48	as	as	SCONJ
fbem-5882	78	49	to	to	PART
fbem-5882	78	50	guide	guide	VERB
fbem-5882	78	51	the	the	DET
fbem-5882	78	52	wind	wind	NOUN
fbem-5882	78	53	direction	direction	NOUN
fbem-5882	78	54	of	of	ADP
fbem-5882	78	55	the	the	DET
fbem-5882	78	56	whole	whole	ADJ
fbem-5882	78	57	market	market	NOUN
fbem-5882	78	58	.	.	PUNCT
fbem-5882	79	1	from	from	ADP
fbem-5882	79	2	the	the	DET
fbem-5882	79	3	perspective	perspective	NOUN
fbem-5882	79	4	of	of	ADP
fbem-5882	79	5	banks	bank	NOUN
fbem-5882	79	6	,	,	PUNCT
fbem-5882	79	7	the	the	DET
fbem-5882	79	8	relationship	relationship	NOUN
fbem-5882	79	9	between	between	ADP
fbem-5882	79	10	financial	financial	ADJ
fbem-5882	79	11	institutions	institution	NOUN
fbem-5882	79	12	and	and	CCONJ
fbem-5882	79	13	banks	bank	NOUN
fbem-5882	79	14	is	be	AUX
fbem-5882	79	15	no	no	ADV
fbem-5882	79	16	longer	long	ADV
fbem-5882	79	17	a	a	DET
fbem-5882	79	18	simple	simple	ADJ
fbem-5882	79	19	and	and	CCONJ
fbem-5882	79	20	limited	limited	ADJ
fbem-5882	79	21	external	external	ADJ
fbem-5882	79	22	connection	connection	NOUN
fbem-5882	79	23	,	,	PUNCT
fbem-5882	79	24	not	not	PART
fbem-5882	79	25	just	just	ADV
fbem-5882	79	26	a	a	DET
fbem-5882	79	27	simple	simple	ADJ
fbem-5882	79	28	connection	connection	NOUN
fbem-5882	79	29	between	between	ADP
fbem-5882	79	30	financing	financing	NOUN
fbem-5882	79	31	and	and	CCONJ
fbem-5882	79	32	financial	financial	ADJ
fbem-5882	79	33	services	service	NOUN
fbem-5882	79	34	.	.	PUNCT
fbem-5882	80	1	both	both	PRON
fbem-5882	80	2	need	need	VERB
fbem-5882	80	3	to	to	PART
fbem-5882	80	4	be	be	AUX
fbem-5882	80	5	embedded	embed	VERB
fbem-5882	80	6	to	to	ADP
fbem-5882	80	7	a	a	DET
fbem-5882	80	8	certain	certain	ADJ
fbem-5882	80	9	extent	extent	NOUN
fbem-5882	80	10	.	.	PUNCT
fbem-5882	81	1	in	in	ADP
fbem-5882	81	2	concept	concept	NOUN
fbem-5882	81	3	,	,	PUNCT
fbem-5882	81	4	banks	bank	NOUN
fbem-5882	81	5	should	should	AUX
fbem-5882	81	6	rely	rely	VERB
fbem-5882	81	7	on	on	ADP
fbem-5882	81	8	multi	multi	ADJ
fbem-5882	81	9	-	-	ADJ
fbem-5882	81	10	party	party	ADJ
fbem-5882	81	11	real	real	ADJ
fbem-5882	81	12	-	-	PUNCT
fbem-5882	81	13	time	time	NOUN
fbem-5882	81	14	cooperation	cooperation	NOUN
fbem-5882	81	15	,	,	PUNCT
fbem-5882	81	16	constantly	constantly	ADV
fbem-5882	81	17	optimize	optimize	VERB
fbem-5882	81	18	and	and	CCONJ
fbem-5882	81	19	adjust	adjust	VERB
fbem-5882	81	20	the	the	DET
fbem-5882	81	21	evaluation	evaluation	NOUN
fbem-5882	81	22	results	result	NOUN
fbem-5882	81	23	,	,	PUNCT
fbem-5882	81	24	and	and	CCONJ
fbem-5882	81	25	self	self	NOUN
fbem-5882	81	26	select	select	ADJ
fbem-5882	81	27	and	and	CCONJ
fbem-5882	81	28	realize	realize	VERB
fbem-5882	81	29	a	a	DET
fbem-5882	81	30	relatively	relatively	ADV
fbem-5882	81	31	dynamic	dynamic	ADJ
fbem-5882	81	32	model	model	NOUN
fbem-5882	81	33	.	.	PUNCT
fbem-5882	82	1	further	far	ADV
fbem-5882	82	2	open	open	VERB
fbem-5882	82	3	financial	financial	ADJ
fbem-5882	82	4	institutions	institution	NOUN
fbem-5882	82	5	.	.	PUNCT
fbem-5882	83	1	on	on	ADP
fbem-5882	83	2	the	the	DET
fbem-5882	83	3	basis	basis	NOUN
fbem-5882	83	4	of	of	ADP
fbem-5882	83	5	opening	open	VERB
fbem-5882	83	6	more	more	ADJ
fbem-5882	83	7	products	product	NOUN
fbem-5882	83	8	and	and	CCONJ
fbem-5882	83	9	trading	trading	NOUN
fbem-5882	83	10	systems	system	NOUN
fbem-5882	83	11	,	,	PUNCT
fbem-5882	83	12	with	with	ADP
fbem-5882	83	13	the	the	DET
fbem-5882	83	14	help	help	NOUN
fbem-5882	83	15	of	of	ADP
fbem-5882	83	16	data	datum	NOUN
fbem-5882	83	17	sharing	share	VERB
fbem-5882	83	18	technology	technology	NOUN
fbem-5882	83	19	and	and	CCONJ
fbem-5882	83	20	industrial	industrial	ADJ
fbem-5882	83	21	alliances	alliance	NOUN
fbem-5882	83	22	,	,	PUNCT
fbem-5882	83	23	explore	explore	VERB
fbem-5882	83	24	more	more	ADJ
fbem-5882	83	25	cooperation	cooperation	NOUN
fbem-5882	83	26	models	model	NOUN
fbem-5882	83	27	and	and	CCONJ
fbem-5882	83	28	mechanisms	mechanism	NOUN
fbem-5882	83	29	in	in	ADP
fbem-5882	83	30	terms	term	NOUN
fbem-5882	83	31	of	of	ADP
fbem-5882	83	32	in	in	ADP
fbem-5882	83	33	-	-	PUNCT
fbem-5882	83	34	depth	depth	NOUN
fbem-5882	83	35	cooperation	cooperation	NOUN
fbem-5882	83	36	with	with	ADP
fbem-5882	83	37	intermediaries	intermediary	NOUN
fbem-5882	83	38	who	who	PRON
fbem-5882	83	39	have	have	VERB
fbem-5882	83	40	a	a	DET
fbem-5882	83	41	better	well	ADJ
fbem-5882	83	42	understanding	understanding	NOUN
fbem-5882	83	43	of	of	ADP
fbem-5882	83	44	vertical	vertical	ADJ
fbem-5882	83	45	industries	industry	NOUN
fbem-5882	83	46	,	,	PUNCT
fbem-5882	83	47	so	so	SCONJ
fbem-5882	83	48	as	as	SCONJ
fbem-5882	83	49	to	to	PART
fbem-5882	83	50	promote	promote	VERB
fbem-5882	83	51	a	a	DET
fbem-5882	83	52	better	well	ADJ
fbem-5882	83	53	connection	connection	NOUN
fbem-5882	83	54	between	between	ADP
fbem-5882	83	55	industry	industry	NOUN
fbem-5882	83	56	and	and	CCONJ
fbem-5882	83	57	finance	finance	NOUN
fbem-5882	83	58	.	.	PUNCT
fbem-5882	84	1	this	this	PRON
fbem-5882	84	2	is	be	AUX
fbem-5882	84	3	a	a	DET
fbem-5882	84	4	high	high	ADJ
fbem-5882	84	5	requirement	requirement	NOUN
fbem-5882	84	6	for	for	ADP
fbem-5882	84	7	traditional	traditional	ADJ
fbem-5882	84	8	financial	financial	ADJ
fbem-5882	84	9	institutions	institution	NOUN
fbem-5882	84	10	such	such	ADJ
fbem-5882	84	11	as	as	ADP
fbem-5882	84	12	banks	bank	NOUN
fbem-5882	84	13	.	.	PUNCT
fbem-5882	85	1	this	this	DET
fbem-5882	85	2	concept	concept	NOUN
fbem-5882	85	3	change	change	NOUN
fbem-5882	85	4	requires	require	VERB
fbem-5882	85	5	that	that	SCONJ
fbem-5882	85	6	financial	financial	ADJ
fbem-5882	85	7	technology	technology	NOUN
fbem-5882	85	8	companies	company	NOUN
fbem-5882	85	9	and	and	CCONJ
fbem-5882	85	10	traditional	traditional	ADJ
fbem-5882	85	11	financial	financial	ADJ
fbem-5882	85	12	companies	company	NOUN
fbem-5882	85	13	gradually	gradually	ADV
fbem-5882	85	14	realize	realize	VERB
fbem-5882	85	15	their	their	PRON
fbem-5882	85	16	business	business	NOUN
fbem-5882	85	17	interactions	interaction	NOUN
fbem-5882	85	18	at	at	ADP
fbem-5882	85	19	ordinary	ordinary	ADJ
fbem-5882	85	20	times	time	NOUN
fbem-5882	85	21	.	.	PUNCT
fbem-5882	86	1	from	from	ADP
fbem-5882	86	2	the	the	DET
fbem-5882	86	3	perspective	perspective	NOUN
fbem-5882	86	4	of	of	ADP
fbem-5882	86	5	supervision	supervision	NOUN
fbem-5882	86	6	,	,	PUNCT
fbem-5882	86	7	measures	measure	NOUN
fbem-5882	86	8	such	such	ADJ
fbem-5882	86	9	as	as	ADP
fbem-5882	86	10	strengthening	strengthen	VERB
fbem-5882	86	11	the	the	DET
fbem-5882	86	12	macro	macro	ADJ
fbem-5882	86	13	supervision	supervision	NOUN
fbem-5882	86	14	of	of	ADP
fbem-5882	86	15	the	the	DET
fbem-5882	86	16	financial	financial	ADJ
fbem-5882	86	17	industry	industry	NOUN
fbem-5882	86	18	and	and	CCONJ
fbem-5882	86	19	the	the	DET
fbem-5882	86	20	dual	dual	PROPN
fbem-5882	86	21	macro	macro	PROPN
fbem-5882	86	22	supervision	supervision	NOUN
fbem-5882	86	23	of	of	ADP
fbem-5882	86	24	market	market	NOUN
fbem-5882	86	25	prudential	prudential	ADJ
fbem-5882	86	26	behavior	behavior	NOUN
fbem-5882	86	27	can	can	AUX
fbem-5882	86	28	effectively	effectively	ADV
fbem-5882	86	29	curb	curb	VERB
fbem-5882	86	30	the	the	DET
fbem-5882	86	31	domestic	domestic	ADJ
fbem-5882	86	32	financial	financial	ADJ
fbem-5882	86	33	market	market	NOUN
fbem-5882	86	34	systematic	systematic	ADJ
fbem-5882	86	35	risks	risk	NOUN
fbem-5882	86	36	and	and	CCONJ
fbem-5882	86	37	regional	regional	ADJ
fbem-5882	86	38	spillover	spillover	NOUN
fbem-5882	86	39	effects	effect	NOUN
fbem-5882	86	40	caused	cause	VERB
fbem-5882	86	41	by	by	ADP
fbem-5882	86	42	china	china	PROPN
fbem-5882	86	43	's	's	PART
fbem-5882	86	44	traditional	traditional	ADJ
fbem-5882	86	45	financial	financial	ADJ
fbem-5882	86	46	technology	technology	NOUN
fbem-5882	86	47	and	and	CCONJ
fbem-5882	86	48	innovative	innovative	ADJ
fbem-5882	86	49	service	service	NOUN
fbem-5882	86	50	capabilities	capability	NOUN
fbem-5882	86	51	.	.	PUNCT
fbem-5882	87	1	as	as	ADP
fbem-5882	87	2	the	the	DET
fbem-5882	87	3	leading	lead	VERB
fbem-5882	87	4	role	role	NOUN
fbem-5882	87	5	in	in	ADP
fbem-5882	87	6	leading	lead	VERB
fbem-5882	87	7	the	the	DET
fbem-5882	87	8	healthy	healthy	ADJ
fbem-5882	87	9	operation	operation	NOUN
fbem-5882	87	10	of	of	ADP
fbem-5882	87	11	china	china	PROPN
fbem-5882	87	12	's	's	PART
fbem-5882	87	13	new	new	ADJ
fbem-5882	87	14	economic	economic	ADJ
fbem-5882	87	15	and	and	CCONJ
fbem-5882	87	16	financial	financial	ADJ
fbem-5882	87	17	system	system	NOUN
fbem-5882	87	18	in	in	ADP
fbem-5882	87	19	the	the	DET
fbem-5882	87	20	future	future	NOUN
fbem-5882	87	21	,	,	PUNCT
fbem-5882	87	22	the	the	DET
fbem-5882	87	23	banking	banking	NOUN
fbem-5882	87	24	industry	industry	NOUN
fbem-5882	87	25	has	have	VERB
fbem-5882	87	26	the	the	DET
fbem-5882	87	27	high	high	ADJ
fbem-5882	87	28	compliance	compliance	NOUN
fbem-5882	87	29	characteristics	characteristic	NOUN
fbem-5882	87	30	of	of	ADP
fbem-5882	87	31	traditional	traditional	ADJ
fbem-5882	87	32	financial	financial	ADJ
fbem-5882	87	33	individual	individual	ADJ
fbem-5882	87	34	banks	bank	NOUN
fbem-5882	87	35	'	'	PART
fbem-5882	87	36	business	business	NOUN
fbem-5882	87	37	activities	activity	NOUN
fbem-5882	87	38	with	with	ADP
fbem-5882	87	39	financial	financial	ADJ
fbem-5882	87	40	licenses	license	NOUN
fbem-5882	87	41	and	and	CCONJ
fbem-5882	87	42	the	the	DET
fbem-5882	87	43	systematicness	systematicness	NOUN
fbem-5882	87	44	of	of	ADP
fbem-5882	87	45	relatively	relatively	ADV
fbem-5882	87	46	strict	strict	ADJ
fbem-5882	87	47	regulatory	regulatory	ADJ
fbem-5882	87	48	business	business	NOUN
fbem-5882	87	49	.	.	PUNCT
fbem-5882	88	1	it	it	PRON
fbem-5882	88	2	has	have	VERB
fbem-5882	88	3	a	a	DET
fbem-5882	88	4	93	93	NUM
fbem-5882	88	5	wide	wide	ADJ
fbem-5882	88	6	range	range	NOUN
fbem-5882	88	7	of	of	ADP
fbem-5882	88	8	business	business	NOUN
fbem-5882	88	9	to	to	PART
fbem-5882	88	10	meet	meet	VERB
fbem-5882	88	11	the	the	DET
fbem-5882	88	12	needs	need	NOUN
fbem-5882	88	13	of	of	ADP
fbem-5882	88	14	various	various	ADJ
fbem-5882	88	15	financial	financial	ADJ
fbem-5882	88	16	service	service	NOUN
fbem-5882	88	17	customers	customer	NOUN
fbem-5882	88	18	and	and	CCONJ
fbem-5882	88	19	products	product	NOUN
fbem-5882	88	20	,	,	PUNCT
fbem-5882	88	21	at	at	ADP
fbem-5882	88	22	the	the	DET
fbem-5882	88	23	same	same	ADJ
fbem-5882	88	24	time	time	NOUN
fbem-5882	88	25	,	,	PUNCT
fbem-5882	88	26	it	it	PRON
fbem-5882	88	27	also	also	ADV
fbem-5882	88	28	has	have	VERB
fbem-5882	88	29	a	a	DET
fbem-5882	88	30	lot	lot	NOUN
fbem-5882	88	31	of	of	ADP
fbem-5882	88	32	relatively	relatively	ADV
fbem-5882	88	33	high	high	ADJ
fbem-5882	88	34	-	-	PUNCT
fbem-5882	88	35	quality	quality	NOUN
fbem-5882	88	36	and	and	CCONJ
fbem-5882	88	37	extensive	extensive	ADJ
fbem-5882	88	38	industry	industry	NOUN
fbem-5882	88	39	wide	wide	ADJ
fbem-5882	88	40	technology	technology	NOUN
fbem-5882	88	41	application	application	NOUN
fbem-5882	88	42	support	support	NOUN
fbem-5882	88	43	services	service	NOUN
fbem-5882	88	44	that	that	PRON
fbem-5882	88	45	can	can	AUX
fbem-5882	88	46	provide	provide	VERB
fbem-5882	88	47	smes	sme	NOUN
fbem-5882	88	48	with	with	ADP
fbem-5882	88	49	innovative	innovative	ADJ
fbem-5882	88	50	financial	financial	ADJ
fbem-5882	88	51	technology	technology	NOUN
fbem-5882	88	52	products	product	NOUN
fbem-5882	88	53	.	.	PUNCT
fbem-5882	89	1	compared	compare	VERB
fbem-5882	89	2	with	with	ADP
fbem-5882	89	3	other	other	ADJ
fbem-5882	89	4	types	type	NOUN
fbem-5882	89	5	of	of	ADP
fbem-5882	89	6	financial	financial	ADJ
fbem-5882	89	7	institutions	institution	NOUN
fbem-5882	89	8	,	,	PUNCT
fbem-5882	89	9	the	the	DET
fbem-5882	89	10	banking	banking	NOUN
fbem-5882	89	11	industry	industry	NOUN
fbem-5882	89	12	should	should	AUX
fbem-5882	89	13	emphasize	emphasize	VERB
fbem-5882	89	14	better	well	ADV
fbem-5882	89	15	playing	play	VERB
fbem-5882	89	16	its	its	PRON
fbem-5882	89	17	own	own	ADJ
fbem-5882	89	18	advantages	advantage	NOUN
fbem-5882	89	19	in	in	ADP
fbem-5882	89	20	financial	financial	ADJ
fbem-5882	89	21	technology	technology	NOUN
fbem-5882	89	22	while	while	SCONJ
fbem-5882	89	23	also	also	ADV
fbem-5882	89	24	taking	take	VERB
fbem-5882	89	25	into	into	ADP
fbem-5882	89	26	account	account	NOUN
fbem-5882	89	27	the	the	DET
fbem-5882	89	28	harmony	harmony	NOUN
fbem-5882	89	29	and	and	CCONJ
fbem-5882	89	30	stability	stability	NOUN
fbem-5882	89	31	of	of	ADP
fbem-5882	89	32	the	the	DET
fbem-5882	89	33	financial	financial	ADJ
fbem-5882	89	34	system	system	NOUN
fbem-5882	89	35	,	,	PUNCT
fbem-5882	89	36	therefore	therefore	ADV
fbem-5882	89	37	,	,	PUNCT
fbem-5882	89	38	in	in	ADP
fbem-5882	89	39	recent	recent	ADJ
fbem-5882	89	40	years	year	NOUN
fbem-5882	89	41	,	,	PUNCT
fbem-5882	89	42	the	the	DET
fbem-5882	89	43	most	most	ADV
fbem-5882	89	44	advanced	advanced	ADJ
fbem-5882	89	45	field	field	NOUN
fbem-5882	89	46	of	of	ADP
fbem-5882	89	47	financial	financial	ADJ
fbem-5882	89	48	technology	technology	NOUN
fbem-5882	89	49	and	and	CCONJ
fbem-5882	89	50	its	its	PRON
fbem-5882	89	51	service	service	NOUN
fbem-5882	89	52	and	and	CCONJ
fbem-5882	89	53	development	development	NOUN
fbem-5882	89	54	innovation	innovation	NOUN
fbem-5882	89	55	in	in	ADP
fbem-5882	89	56	china	china	PROPN
fbem-5882	89	57	's	's	PART
fbem-5882	89	58	entire	entire	ADJ
fbem-5882	89	59	banking	banking	NOUN
fbem-5882	89	60	industry	industry	NOUN
fbem-5882	89	61	,	,	PUNCT
fbem-5882	89	62	as	as	ADV
fbem-5882	89	63	well	well	ADV
fbem-5882	89	64	as	as	ADP
fbem-5882	89	65	the	the	DET
fbem-5882	89	66	main	main	ADJ
fbem-5882	89	67	technical	technical	ADJ
fbem-5882	89	68	support	support	NOUN
fbem-5882	89	69	and	and	CCONJ
fbem-5882	89	70	position	position	NOUN
fbem-5882	89	71	for	for	ADP
fbem-5882	89	72	its	its	PRON
fbem-5882	89	73	development	development	NOUN
fbem-5882	89	74	,	,	PUNCT
fbem-5882	89	75	are	be	AUX
fbem-5882	89	76	increasingly	increasingly	ADV
fbem-5882	89	77	turning	turn	VERB
fbem-5882	89	78	to	to	ADP
fbem-5882	89	79	banks	bank	NOUN
fbem-5882	89	80	.	.	PUNCT
fbem-5882	90	1	references	reference	NOUN
fbem-5882	90	2	[	[	X
fbem-5882	90	3	1	1	NUM
fbem-5882	90	4	]	]	X
fbem-5882	90	5	peng	peng	PROPN
fbem-5882	90	6	,	,	PUNCT
fbem-5882	90	7	f.	f.	PROPN
fbem-5882	90	8	(	(	PUNCT
fbem-5882	90	9	2020	2020	NUM
fbem-5882	90	10	)	)	PUNCT
fbem-5882	90	11	research	research	NOUN
fbem-5882	90	12	on	on	ADP
fbem-5882	90	13	the	the	DET
fbem-5882	90	14	transformation	transformation	NOUN
fbem-5882	90	15	and	and	CCONJ
fbem-5882	90	16	development	development	NOUN
fbem-5882	90	17	strategy	strategy	NOUN
fbem-5882	90	18	of	of	ADP
fbem-5882	90	19	small	small	ADJ
fbem-5882	90	20	and	and	CCONJ
fbem-5882	90	21	medium	medium	ADJ
fbem-5882	90	22	sized	sized	ADJ
fbem-5882	90	23	commercial	commercial	ADJ
fbem-5882	90	24	banks	bank	NOUN
fbem-5882	90	25	under	under	ADP
fbem-5882	90	26	the	the	DET
fbem-5882	90	27	background	background	NOUN
fbem-5882	90	28	of	of	ADP
fbem-5882	90	29	internet	internet	NOUN
fbem-5882	90	30	finance	finance	NOUN
fbem-5882	90	31	-taking	-take	VERB
fbem-5882	90	32	guiyang	guiyang	PROPN
fbem-5882	90	33	bank	bank	PROPN
fbem-5882	90	34	as	as	ADP
fbem-5882	90	35	an	an	DET
fbem-5882	90	36	example	example	NOUN
fbem-5882	90	37	.	.	PUNCT
fbem-5882	91	1	finance	finance	NOUN
fbem-5882	91	2	,	,	PUNCT
fbem-5882	91	3	477:156	477:156	PROPN
fbem-5882	91	4	-	-	PUNCT
fbem-5882	91	5	158	158	NUM
fbem-5882	91	6	.	.	PUNCT
fbem-5882	92	1	[	[	X
fbem-5882	92	2	2	2	NUM
fbem-5882	92	3	]	]	X
fbem-5882	92	4	yan	yan	PROPN
fbem-5882	92	5	,	,	PUNCT
fbem-5882	92	6	x.	x.	PROPN
fbem-5882	92	7	,	,	PUNCT
fbem-5882	92	8	jiang	jiang	PROPN
fbem-5882	92	9	,	,	PUNCT
fbem-5882	92	10	x.	x.	PROPN
fbem-5882	92	11	,	,	PUNCT
fbem-5882	92	12	fang	fang	PROPN
fbem-5882	92	13	,	,	PUNCT
fbem-5882	92	14	j.	j.	PROPN
fbem-5882	92	15	(	(	PUNCT
fbem-5882	92	16	2014	2014	NUM
fbem-5882	92	17	)	)	PUNCT
fbem-5882	92	18	current	current	ADJ
fbem-5882	92	19	situation	situation	NOUN
fbem-5882	92	20	and	and	CCONJ
fbem-5882	92	21	development	development	NOUN
fbem-5882	92	22	trend	trend	NOUN
fbem-5882	92	23	of	of	ADP
fbem-5882	92	24	personal	personal	ADJ
fbem-5882	92	25	financial	financial	ADJ
fbem-5882	92	26	business	business	NOUN
fbem-5882	92	27	.	.	PUNCT
fbem-5882	93	1	the	the	DET
fbem-5882	93	2	fiscal	fiscal	ADJ
fbem-5882	93	3	and	and	CCONJ
fbem-5882	93	4	taxation	taxation	NOUN
fbem-5882	93	5	financial	financial	NOUN
fbem-5882	93	6	,	,	PUNCT
fbem-5882	93	7	461:41	461:41	NOUN
fbem-5882	93	8	.	.	PUNCT
fbem-5882	94	1	[	[	X
fbem-5882	94	2	3	3	NUM
fbem-5882	94	3	]	]	SYM
fbem-5882	94	4	li	li	PROPN
fbem-5882	94	5	,	,	PUNCT
fbem-5882	94	6	x.	x.	PROPN
fbem-5882	94	7	,	,	PUNCT
fbem-5882	94	8	li	li	PROPN
fbem-5882	94	9	,	,	PUNCT
fbem-5882	94	10	y.	y.	PROPN
fbem-5882	94	11	,	,	PUNCT
fbem-5882	94	12	dang	dang	PROPN
fbem-5882	94	13	,	,	PUNCT
fbem-5882	94	14	w.	w.	PROPN
fbem-5882	94	15	,	,	PUNCT
fbem-5882	94	16	et	et	PROPN
fbem-5882	94	17	al	al	PROPN
fbem-5882	94	18	.	.	PROPN
fbem-5882	95	1	(	(	PUNCT
fbem-5882	95	2	2015	2015	NUM
fbem-5882	95	3	)	)	PUNCT
fbem-5882	95	4	the	the	DET
fbem-5882	95	5	impact	impact	NOUN
fbem-5882	95	6	of	of	ADP
fbem-5882	95	7	third	third	ADJ
fbem-5882	95	8	party	party	NOUN
fbem-5882	95	9	payment	payment	NOUN
fbem-5882	95	10	on	on	ADP
fbem-5882	95	11	china	china	PROPN
fbem-5882	95	12	's	's	PART
fbem-5882	95	13	banking	banking	NOUN
fbem-5882	95	14	risk	risk	NOUN
fbem-5882	95	15	management	management	NOUN
fbem-5882	95	16	.	.	PUNCT
fbem-5882	96	1	finance	finance	NOUN
fbem-5882	96	2	,	,	PUNCT
fbem-5882	96	3	46:206	46:206	NUM
fbem-5882	96	4	.	.	PUNCT