id	sid	tid	token	lemma	pos
fbem-6054	1	1	frontiers	frontier	NOUN
fbem-6054	1	2	in	in	ADP
fbem-6054	1	3	business	business	NOUN
fbem-6054	1	4	,	,	PUNCT
fbem-6054	1	5	economics	economic	NOUN
fbem-6054	1	6	and	and	CCONJ
fbem-6054	1	7	management	management	NOUN
fbem-6054	1	8	issn	issn	PROPN
fbem-6054	1	9	:	:	PUNCT
fbem-6054	1	10	2766	2766	NUM
fbem-6054	1	11	-	-	PUNCT
fbem-6054	1	12	824x	824x	NUM
fbem-6054	1	13	|	|	ADJ
fbem-6054	1	14	vol	vol	NOUN
fbem-6054	1	15	.	.	PROPN
fbem-6054	1	16	8	8	NUM
fbem-6054	1	17	,	,	PUNCT
fbem-6054	1	18	no	no	INTJ
fbem-6054	1	19	.	.	NOUN
fbem-6054	1	20	1	1	NUM
fbem-6054	1	21	,	,	PUNCT
fbem-6054	1	22	2023	2023	NUM
fbem-6054	1	23	127	127	NUM
fbem-6054	1	24	financial	financial	ADJ
fbem-6054	1	25	market	market	NOUN
fbem-6054	1	26	participation	participation	NOUN
fbem-6054	1	27	under	under	ADP
fbem-6054	1	28	the	the	DET
fbem-6054	1	29	digital	digital	ADJ
fbem-6054	1	30	divide	divide	NOUN
fbem-6054	1	31	-an	-an	ADP
fbem-6054	1	32	empirical	empirical	ADJ
fbem-6054	1	33	study	study	NOUN
fbem-6054	1	34	based	base	VERB
fbem-6054	1	35	on	on	ADP
fbem-6054	1	36	chfs	chfs	PROPN
fbem-6054	1	37	data	data	PROPN
fbem-6054	1	38	dong	dong	PROPN
fbem-6054	1	39	peng1	peng1	PROPN
fbem-6054	1	40	,	,	PUNCT
fbem-6054	1	41	a	a	DET
fbem-6054	1	42	1school	1school	NUM
fbem-6054	1	43	of	of	ADP
fbem-6054	1	44	beijing	beijing	PROPN
fbem-6054	1	45	technology	technology	PROPN
fbem-6054	1	46	and	and	CCONJ
fbem-6054	1	47	business	business	NOUN
fbem-6054	1	48	university	university	PROPN
fbem-6054	1	49	,	,	PUNCT
fbem-6054	1	50	beijing	beijing	PROPN
fbem-6054	1	51	,	,	PUNCT
fbem-6054	1	52	china	china	PROPN
fbem-6054	1	53	a739317312@qq.com	a739317312@qq.com	PROPN
fbem-6054	1	54	abstract	abstract	PROPN
fbem-6054	1	55	:	:	PUNCT
fbem-6054	1	56	with	with	ADP
fbem-6054	1	57	the	the	DET
fbem-6054	1	58	advent	advent	NOUN
fbem-6054	1	59	of	of	ADP
fbem-6054	1	60	the	the	DET
fbem-6054	1	61	internet	internet	NOUN
fbem-6054	1	62	age	age	NOUN
fbem-6054	1	63	,	,	PUNCT
fbem-6054	1	64	the	the	DET
fbem-6054	1	65	era	era	NOUN
fbem-6054	1	66	of	of	ADP
fbem-6054	1	67	digital	digital	ADJ
fbem-6054	1	68	economy	economy	NOUN
fbem-6054	1	69	is	be	AUX
fbem-6054	1	70	drawing	draw	VERB
fbem-6054	1	71	closer	close	ADV
fbem-6054	1	72	to	to	ADP
fbem-6054	1	73	us	we	PRON
fbem-6054	1	74	,	,	PUNCT
fbem-6054	1	75	and	and	CCONJ
fbem-6054	1	76	it	it	PRON
fbem-6054	1	77	has	have	AUX
fbem-6054	1	78	brought	bring	VERB
fbem-6054	1	79	significant	significant	ADJ
fbem-6054	1	80	changes	change	NOUN
fbem-6054	1	81	to	to	ADP
fbem-6054	1	82	our	our	PRON
fbem-6054	1	83	lives	life	NOUN
fbem-6054	1	84	,	,	PUNCT
fbem-6054	1	85	providing	provide	VERB
fbem-6054	1	86	us	we	PRON
fbem-6054	1	87	with	with	ADP
fbem-6054	1	88	many	many	ADJ
fbem-6054	1	89	conveniences	convenience	NOUN
fbem-6054	1	90	.	.	PUNCT
fbem-6054	2	1	however	however	ADV
fbem-6054	2	2	,	,	PUNCT
fbem-6054	2	3	it	it	PRON
fbem-6054	2	4	has	have	AUX
fbem-6054	2	5	also	also	ADV
fbem-6054	2	6	brought	bring	VERB
fbem-6054	2	7	about	about	ADP
fbem-6054	2	8	the	the	DET
fbem-6054	2	9	impact	impact	NOUN
fbem-6054	2	10	of	of	ADP
fbem-6054	2	11	wealth	wealth	NOUN
fbem-6054	2	12	disparity	disparity	NOUN
fbem-6054	2	13	,	,	PUNCT
fbem-6054	2	14	commonly	commonly	ADV
fbem-6054	2	15	known	know	VERB
fbem-6054	2	16	as	as	ADP
fbem-6054	2	17	the	the	DET
fbem-6054	2	18	digital	digital	ADJ
fbem-6054	2	19	divide	divide	NOUN
fbem-6054	2	20	,	,	PUNCT
fbem-6054	2	21	which	which	PRON
fbem-6054	2	22	refers	refer	VERB
fbem-6054	2	23	to	to	ADP
fbem-6054	2	24	the	the	DET
fbem-6054	2	25	polarization	polarization	NOUN
fbem-6054	2	26	of	of	ADP
fbem-6054	2	27	poverty	poverty	NOUN
fbem-6054	2	28	and	and	CCONJ
fbem-6054	2	29	affluence	affluence	NOUN
fbem-6054	2	30	caused	cause	VERB
fbem-6054	2	31	by	by	ADP
fbem-6054	2	32	the	the	DET
fbem-6054	2	33	disparities	disparity	NOUN
fbem-6054	2	34	in	in	ADP
fbem-6054	2	35	the	the	DET
fbem-6054	2	36	access	access	NOUN
fbem-6054	2	37	and	and	CCONJ
fbem-6054	2	38	application	application	NOUN
fbem-6054	2	39	of	of	ADP
fbem-6054	2	40	network	network	NOUN
fbem-6054	2	41	technology	technology	NOUN
fbem-6054	2	42	.	.	PUNCT
fbem-6054	3	1	using	use	VERB
fbem-6054	3	2	the	the	DET
fbem-6054	3	3	2017	2017	NUM
fbem-6054	3	4	china	china	PROPN
fbem-6054	3	5	household	household	NOUN
fbem-6054	3	6	finance	finance	NOUN
fbem-6054	3	7	survey	survey	NOUN
fbem-6054	3	8	(	(	PUNCT
fbem-6054	3	9	chfs	chfs	NOUN
fbem-6054	3	10	)	)	PUNCT
fbem-6054	3	11	data	datum	NOUN
fbem-6054	3	12	,	,	PUNCT
fbem-6054	3	13	this	this	DET
fbem-6054	3	14	study	study	NOUN
fbem-6054	3	15	investigates	investigate	VERB
fbem-6054	3	16	the	the	DET
fbem-6054	3	17	extent	extent	NOUN
fbem-6054	3	18	to	to	PART
fbem-6054	3	19	which	which	PRON
fbem-6054	3	20	the	the	DET
fbem-6054	3	21	digital	digital	ADJ
fbem-6054	3	22	divide	divide	NOUN
fbem-6054	3	23	affects	affect	VERB
fbem-6054	3	24	household	household	NOUN
fbem-6054	3	25	participation	participation	NOUN
fbem-6054	3	26	in	in	ADP
fbem-6054	3	27	financial	financial	ADJ
fbem-6054	3	28	markets	market	NOUN
fbem-6054	3	29	.	.	PUNCT
fbem-6054	4	1	the	the	DET
fbem-6054	4	2	findings	finding	NOUN
fbem-6054	4	3	suggest	suggest	VERB
fbem-6054	4	4	that	that	SCONJ
fbem-6054	4	5	the	the	DET
fbem-6054	4	6	digital	digital	ADJ
fbem-6054	4	7	divide	divide	NOUN
fbem-6054	4	8	significantly	significantly	ADV
fbem-6054	4	9	reduces	reduce	VERB
fbem-6054	4	10	household	household	NOUN
fbem-6054	4	11	participation	participation	NOUN
fbem-6054	4	12	in	in	ADP
fbem-6054	4	13	financial	financial	ADJ
fbem-6054	4	14	markets	market	NOUN
fbem-6054	4	15	.	.	PUNCT
fbem-6054	5	1	furthermore	furthermore	ADV
fbem-6054	5	2	,	,	PUNCT
fbem-6054	5	3	this	this	DET
fbem-6054	5	4	study	study	NOUN
fbem-6054	5	5	divides	divide	VERB
fbem-6054	5	6	the	the	DET
fbem-6054	5	7	financial	financial	ADJ
fbem-6054	5	8	market	market	NOUN
fbem-6054	5	9	into	into	ADP
fbem-6054	5	10	low	low	ADJ
fbem-6054	5	11	-	-	PUNCT
fbem-6054	5	12	risk	risk	NOUN
fbem-6054	5	13	and	and	CCONJ
fbem-6054	5	14	high	high	ADJ
fbem-6054	5	15	-	-	PUNCT
fbem-6054	5	16	risk	risk	NOUN
fbem-6054	5	17	markets	market	NOUN
fbem-6054	5	18	and	and	CCONJ
fbem-6054	5	19	explores	explore	VERB
fbem-6054	5	20	the	the	DET
fbem-6054	5	21	impact	impact	NOUN
fbem-6054	5	22	of	of	ADP
fbem-6054	5	23	the	the	DET
fbem-6054	5	24	digital	digital	ADJ
fbem-6054	5	25	divide	divide	NOUN
fbem-6054	5	26	on	on	ADP
fbem-6054	5	27	each	each	PRON
fbem-6054	5	28	of	of	ADP
fbem-6054	5	29	them	they	PRON
fbem-6054	5	30	.	.	PUNCT
fbem-6054	6	1	it	it	PRON
fbem-6054	6	2	is	be	AUX
fbem-6054	6	3	found	find	VERB
fbem-6054	6	4	that	that	SCONJ
fbem-6054	6	5	the	the	DET
fbem-6054	6	6	digital	digital	ADJ
fbem-6054	6	7	divide	divide	NOUN
fbem-6054	6	8	significantly	significantly	ADV
fbem-6054	6	9	inhibits	inhibit	VERB
fbem-6054	6	10	participation	participation	NOUN
fbem-6054	6	11	in	in	ADP
fbem-6054	6	12	both	both	CCONJ
fbem-6054	6	13	low	low	ADJ
fbem-6054	6	14	-	-	PUNCT
fbem-6054	6	15	risk	risk	NOUN
fbem-6054	6	16	and	and	CCONJ
fbem-6054	6	17	high	high	ADJ
fbem-6054	6	18	-	-	PUNCT
fbem-6054	6	19	risk	risk	NOUN
fbem-6054	6	20	financial	financial	ADJ
fbem-6054	6	21	markets	market	NOUN
fbem-6054	6	22	,	,	PUNCT
fbem-6054	6	23	with	with	ADP
fbem-6054	6	24	a	a	DET
fbem-6054	6	25	more	more	ADV
fbem-6054	6	26	pronounced	pronounce	VERB
fbem-6054	6	27	impact	impact	NOUN
fbem-6054	6	28	on	on	ADP
fbem-6054	6	29	the	the	DET
fbem-6054	6	30	latter	latter	ADJ
fbem-6054	6	31	.	.	PUNCT
fbem-6054	7	1	additionally	additionally	ADV
fbem-6054	7	2	,	,	PUNCT
fbem-6054	7	3	this	this	DET
fbem-6054	7	4	study	study	NOUN
fbem-6054	7	5	explores	explore	VERB
fbem-6054	7	6	the	the	DET
fbem-6054	7	7	mechanism	mechanism	NOUN
fbem-6054	7	8	through	through	ADP
fbem-6054	7	9	which	which	PRON
fbem-6054	7	10	the	the	DET
fbem-6054	7	11	digital	digital	ADJ
fbem-6054	7	12	divide	divide	NOUN
fbem-6054	7	13	affects	affect	VERB
fbem-6054	7	14	participation	participation	NOUN
fbem-6054	7	15	in	in	ADP
fbem-6054	7	16	financial	financial	ADJ
fbem-6054	7	17	markets	market	NOUN
fbem-6054	7	18	,	,	PUNCT
fbem-6054	7	19	revealing	reveal	VERB
fbem-6054	7	20	that	that	SCONJ
fbem-6054	7	21	the	the	DET
fbem-6054	7	22	digital	digital	ADJ
fbem-6054	7	23	divide	divide	NOUN
fbem-6054	7	24	reduces	reduce	VERB
fbem-6054	7	25	household	household	NOUN
fbem-6054	7	26	income	income	NOUN
fbem-6054	7	27	and	and	CCONJ
fbem-6054	7	28	consequently	consequently	ADV
fbem-6054	7	29	decreases	decrease	VERB
fbem-6054	7	30	their	their	PRON
fbem-6054	7	31	participation	participation	NOUN
fbem-6054	7	32	in	in	ADP
fbem-6054	7	33	financial	financial	ADJ
fbem-6054	7	34	markets	market	NOUN
fbem-6054	7	35	.	.	PUNCT
fbem-6054	8	1	this	this	DET
fbem-6054	8	2	study	study	NOUN
fbem-6054	8	3	provides	provide	VERB
fbem-6054	8	4	insights	insight	NOUN
fbem-6054	8	5	into	into	ADP
fbem-6054	8	6	the	the	DET
fbem-6054	8	7	relationship	relationship	NOUN
fbem-6054	8	8	between	between	ADP
fbem-6054	8	9	the	the	DET
fbem-6054	8	10	digital	digital	ADJ
fbem-6054	8	11	divide	divide	NOUN
fbem-6054	8	12	and	and	CCONJ
fbem-6054	8	13	household	household	NOUN
fbem-6054	8	14	participation	participation	NOUN
fbem-6054	8	15	in	in	ADP
fbem-6054	8	16	financial	financial	ADJ
fbem-6054	8	17	markets	market	NOUN
fbem-6054	8	18	,	,	PUNCT
fbem-6054	8	19	sheds	shed	VERB
fbem-6054	8	20	light	light	NOUN
fbem-6054	8	21	on	on	ADP
fbem-6054	8	22	the	the	DET
fbem-6054	8	23	negative	negative	ADJ
fbem-6054	8	24	impacts	impact	NOUN
fbem-6054	8	25	of	of	ADP
fbem-6054	8	26	the	the	DET
fbem-6054	8	27	digital	digital	ADJ
fbem-6054	8	28	divide	divide	NOUN
fbem-6054	8	29	,	,	PUNCT
fbem-6054	8	30	and	and	CCONJ
fbem-6054	8	31	offers	offer	VERB
fbem-6054	8	32	useful	useful	ADJ
fbem-6054	8	33	information	information	NOUN
fbem-6054	8	34	for	for	ADP
fbem-6054	8	35	households	household	NOUN
fbem-6054	8	36	in	in	ADP
fbem-6054	8	37	making	make	VERB
fbem-6054	8	38	decisions	decision	NOUN
fbem-6054	8	39	regarding	regard	VERB
fbem-6054	8	40	participation	participation	NOUN
fbem-6054	8	41	in	in	ADP
fbem-6054	8	42	financial	financial	ADJ
fbem-6054	8	43	markets	market	NOUN
fbem-6054	8	44	.	.	PUNCT
fbem-6054	9	1	keywords	keyword	NOUN
fbem-6054	9	2	:	:	PUNCT
fbem-6054	9	3	digital	digital	ADJ
fbem-6054	9	4	divide	divide	NOUN
fbem-6054	9	5	,	,	PUNCT
fbem-6054	9	6	financial	financial	ADJ
fbem-6054	9	7	market	market	NOUN
fbem-6054	9	8	participation	participation	NOUN
fbem-6054	9	9	,	,	PUNCT
fbem-6054	9	10	household	household	NOUN
fbem-6054	9	11	income	income	NOUN
fbem-6054	9	12	,	,	PUNCT
fbem-6054	9	13	risk	risk	NOUN
fbem-6054	9	14	appetite	appetite	NOUN
fbem-6054	9	15	.	.	PUNCT
fbem-6054	10	1	1	1	X
fbem-6054	10	2	.	.	X
fbem-6054	10	3	introduction	introduction	NOUN
fbem-6054	10	4	currently	currently	ADV
fbem-6054	10	5	,	,	PUNCT
fbem-6054	10	6	we	we	PRON
fbem-6054	10	7	are	be	AUX
fbem-6054	10	8	in	in	ADP
fbem-6054	10	9	the	the	DET
fbem-6054	10	10	midst	midst	NOUN
fbem-6054	10	11	of	of	ADP
fbem-6054	10	12	an	an	DET
fbem-6054	10	13	information	information	NOUN
fbem-6054	10	14	society	society	NOUN
fbem-6054	10	15	,	,	PUNCT
fbem-6054	10	16	where	where	SCONJ
fbem-6054	10	17	rapidly	rapidly	ADV
fbem-6054	10	18	advancing	advance	VERB
fbem-6054	10	19	digital	digital	ADJ
fbem-6054	10	20	technologies	technology	NOUN
fbem-6054	10	21	are	be	AUX
fbem-6054	10	22	transforming	transform	VERB
fbem-6054	10	23	our	our	PRON
fbem-6054	10	24	lives	life	NOUN
fbem-6054	10	25	and	and	CCONJ
fbem-6054	10	26	serving	serve	VERB
fbem-6054	10	27	as	as	ADP
fbem-6054	10	28	a	a	DET
fbem-6054	10	29	major	major	ADJ
fbem-6054	10	30	driving	drive	VERB
fbem-6054	10	31	force	force	NOUN
fbem-6054	10	32	behind	behind	ADP
fbem-6054	10	33	economic	economic	ADJ
fbem-6054	10	34	and	and	CCONJ
fbem-6054	10	35	social	social	ADJ
fbem-6054	10	36	development	development	NOUN
fbem-6054	10	37	.	.	PUNCT
fbem-6054	11	1	according	accord	VERB
fbem-6054	11	2	to	to	ADP
fbem-6054	11	3	the	the	DET
fbem-6054	11	4	50th	50th	ADJ
fbem-6054	11	5	statistical	statistical	ADJ
fbem-6054	11	6	report	report	NOUN
fbem-6054	11	7	on	on	ADP
fbem-6054	11	8	the	the	DET
fbem-6054	11	9	development	development	NOUN
fbem-6054	11	10	of	of	ADP
fbem-6054	11	11	china	china	PROPN
fbem-6054	11	12	's	's	PART
fbem-6054	11	13	internet	internet	NOUN
fbem-6054	11	14	issued	issue	VERB
fbem-6054	11	15	by	by	ADP
fbem-6054	11	16	the	the	DET
fbem-6054	11	17	china	china	PROPN
fbem-6054	11	18	internet	internet	PROPN
fbem-6054	11	19	network	network	PROPN
fbem-6054	11	20	information	information	NOUN
fbem-6054	11	21	center	center	NOUN
fbem-6054	11	22	,	,	PUNCT
fbem-6054	11	23	the	the	DET
fbem-6054	11	24	number	number	NOUN
fbem-6054	11	25	of	of	ADP
fbem-6054	11	26	internet	internet	NOUN
fbem-6054	11	27	users	user	NOUN
fbem-6054	11	28	in	in	ADP
fbem-6054	11	29	china	china	PROPN
fbem-6054	11	30	increased	increase	VERB
fbem-6054	11	31	by	by	ADP
fbem-6054	11	32	19.19	19.19	NUM
fbem-6054	11	33	million	million	NUM
fbem-6054	11	34	in	in	ADP
fbem-6054	11	35	december	december	PROPN
fbem-6054	11	36	2021	2021	NUM
fbem-6054	11	37	,	,	PUNCT
fbem-6054	11	38	and	and	CCONJ
fbem-6054	11	39	the	the	DET
fbem-6054	11	40	internet	internet	NOUN
fbem-6054	11	41	penetration	penetration	NOUN
fbem-6054	11	42	rate	rate	NOUN
fbem-6054	11	43	increased	increase	VERB
fbem-6054	11	44	by	by	ADP
fbem-6054	11	45	1.4	1.4	NUM
fbem-6054	11	46	percentage	percentage	NOUN
fbem-6054	11	47	points	point	NOUN
fbem-6054	11	48	compared	compare	VERB
fbem-6054	11	49	to	to	ADP
fbem-6054	11	50	december	december	PROPN
fbem-6054	11	51	2021	2021	NUM
fbem-6054	11	52	.	.	PUNCT
fbem-6054	12	1	however	however	ADV
fbem-6054	12	2	,	,	PUNCT
fbem-6054	12	3	despite	despite	SCONJ
fbem-6054	12	4	the	the	DET
fbem-6054	12	5	continuous	continuous	ADJ
fbem-6054	12	6	growth	growth	NOUN
fbem-6054	12	7	of	of	ADP
fbem-6054	12	8	the	the	DET
fbem-6054	12	9	internet	internet	NOUN
fbem-6054	12	10	user	user	NOUN
fbem-6054	12	11	base	base	NOUN
fbem-6054	12	12	,	,	PUNCT
fbem-6054	12	13	a	a	DET
fbem-6054	12	14	significant	significant	ADJ
fbem-6054	12	15	portion	portion	NOUN
fbem-6054	12	16	of	of	ADP
fbem-6054	12	17	the	the	DET
fbem-6054	12	18	population	population	NOUN
fbem-6054	12	19	remains	remain	VERB
fbem-6054	12	20	unconnected	unconnected	ADJ
fbem-6054	12	21	to	to	ADP
fbem-6054	12	22	the	the	DET
fbem-6054	12	23	internet	internet	NOUN
fbem-6054	12	24	.	.	PUNCT
fbem-6054	13	1	the	the	DET
fbem-6054	13	2	report	report	NOUN
fbem-6054	13	3	explicitly	explicitly	ADV
fbem-6054	13	4	points	point	VERB
fbem-6054	13	5	out	out	ADP
fbem-6054	13	6	that	that	SCONJ
fbem-6054	13	7	although	although	SCONJ
fbem-6054	13	8	information	information	NOUN
fbem-6054	13	9	technology	technology	NOUN
fbem-6054	13	10	has	have	AUX
fbem-6054	13	11	brought	bring	VERB
fbem-6054	13	12	convenience	convenience	NOUN
fbem-6054	13	13	to	to	ADP
fbem-6054	13	14	many	many	ADJ
fbem-6054	13	15	people	people	NOUN
fbem-6054	13	16	's	's	PART
fbem-6054	13	17	lives	life	NOUN
fbem-6054	13	18	,	,	PUNCT
fbem-6054	13	19	its	its	PRON
fbem-6054	13	20	development	development	NOUN
fbem-6054	13	21	may	may	AUX
fbem-6054	13	22	give	give	VERB
fbem-6054	13	23	rise	rise	NOUN
fbem-6054	13	24	to	to	ADP
fbem-6054	13	25	new	new	ADJ
fbem-6054	13	26	forms	form	NOUN
fbem-6054	13	27	of	of	ADP
fbem-6054	13	28	inequality	inequality	NOUN
fbem-6054	13	29	due	due	ADP
fbem-6054	13	30	to	to	ADP
fbem-6054	13	31	differences	difference	NOUN
fbem-6054	13	32	in	in	ADP
fbem-6054	13	33	economic	economic	ADJ
fbem-6054	13	34	development	development	NOUN
fbem-6054	13	35	,	,	PUNCT
fbem-6054	13	36	educational	educational	ADJ
fbem-6054	13	37	level	level	NOUN
fbem-6054	13	38	,	,	PUNCT
fbem-6054	13	39	gender	gender	NOUN
fbem-6054	13	40	,	,	PUNCT
fbem-6054	13	41	and	and	CCONJ
fbem-6054	13	42	other	other	ADJ
fbem-6054	13	43	factors	factor	NOUN
fbem-6054	13	44	across	across	ADP
fbem-6054	13	45	different	different	ADJ
fbem-6054	13	46	regions	region	NOUN
fbem-6054	13	47	.	.	PUNCT
fbem-6054	14	1	this	this	PRON
fbem-6054	14	2	may	may	AUX
fbem-6054	14	3	prevent	prevent	VERB
fbem-6054	14	4	certain	certain	ADJ
fbem-6054	14	5	individuals	individual	NOUN
fbem-6054	14	6	or	or	CCONJ
fbem-6054	14	7	groups	group	NOUN
fbem-6054	14	8	from	from	ADP
fbem-6054	14	9	enjoying	enjoy	VERB
fbem-6054	14	10	the	the	DET
fbem-6054	14	11	benefits	benefit	NOUN
fbem-6054	14	12	of	of	ADP
fbem-6054	14	13	information	information	NOUN
fbem-6054	14	14	technology	technology	NOUN
fbem-6054	14	15	due	due	ADP
fbem-6054	14	16	to	to	ADP
fbem-6054	14	17	their	their	PRON
fbem-6054	14	18	own	own	ADJ
fbem-6054	14	19	circumstances	circumstance	NOUN
fbem-6054	14	20	or	or	CCONJ
fbem-6054	14	21	external	external	ADJ
fbem-6054	14	22	factors	factor	NOUN
fbem-6054	14	23	.	.	PUNCT
fbem-6054	15	1	the	the	DET
fbem-6054	15	2	uneven	uneven	ADJ
fbem-6054	15	3	diffusion	diffusion	NOUN
fbem-6054	15	4	and	and	CCONJ
fbem-6054	15	5	development	development	NOUN
fbem-6054	15	6	obstacles	obstacle	NOUN
fbem-6054	15	7	of	of	ADP
fbem-6054	15	8	digital	digital	ADJ
fbem-6054	15	9	technology	technology	NOUN
fbem-6054	15	10	can	can	AUX
fbem-6054	15	11	lead	lead	VERB
fbem-6054	15	12	to	to	ADP
fbem-6054	15	13	new	new	ADJ
fbem-6054	15	14	financial	financial	ADJ
fbem-6054	15	15	exclusion	exclusion	NOUN
fbem-6054	15	16	among	among	ADP
fbem-6054	15	17	certain	certain	ADJ
fbem-6054	15	18	disadvantaged	disadvantaged	ADJ
fbem-6054	15	19	groups	group	NOUN
fbem-6054	15	20	due	due	ADP
fbem-6054	15	21	to	to	ADP
fbem-6054	15	22	their	their	PRON
fbem-6054	15	23	lack	lack	NOUN
fbem-6054	15	24	of	of	ADP
fbem-6054	15	25	resources	resource	NOUN
fbem-6054	15	26	such	such	ADJ
fbem-6054	15	27	as	as	ADP
fbem-6054	15	28	internet	internet	NOUN
fbem-6054	15	29	tools	tool	NOUN
fbem-6054	15	30	and	and	CCONJ
fbem-6054	15	31	financial	financial	ADJ
fbem-6054	15	32	literacy	literacy	NOUN
fbem-6054	15	33	(	(	PUNCT
fbem-6054	15	34	beiduo	beiduo	ADP
fbem-6054	15	35	et	et	PROPN
fbem-6054	15	36	al	al	PROPN
fbem-6054	15	37	.	.	PROPN
fbem-6054	15	38	,	,	PUNCT
fbem-6054	15	39	2017	2017	NUM
fbem-6054	15	40	)	)	PUNCT
fbem-6054	15	41	.	.	PUNCT
fbem-6054	16	1	[	[	X
fbem-6054	16	2	1]the	1]the	DET
fbem-6054	16	3	use	use	NOUN
fbem-6054	16	4	of	of	ADP
fbem-6054	16	5	internet	internet	NOUN
fbem-6054	16	6	information	information	NOUN
fbem-6054	16	7	channels	channel	NOUN
fbem-6054	16	8	can	can	AUX
fbem-6054	16	9	make	make	VERB
fbem-6054	16	10	it	it	PRON
fbem-6054	16	11	more	more	ADV
fbem-6054	16	12	convenient	convenient	ADJ
fbem-6054	16	13	for	for	SCONJ
fbem-6054	16	14	households	household	NOUN
fbem-6054	16	15	to	to	PART
fbem-6054	16	16	understand	understand	VERB
fbem-6054	16	17	and	and	CCONJ
fbem-6054	16	18	use	use	VERB
fbem-6054	16	19	financial	financial	ADJ
fbem-6054	16	20	products	product	NOUN
fbem-6054	16	21	and	and	CCONJ
fbem-6054	16	22	services	service	NOUN
fbem-6054	16	23	that	that	PRON
fbem-6054	16	24	are	be	AUX
fbem-6054	16	25	suitable	suitable	ADJ
fbem-6054	16	26	for	for	ADP
fbem-6054	16	27	them	they	PRON
fbem-6054	16	28	,	,	PUNCT
fbem-6054	16	29	thereby	thereby	ADV
fbem-6054	16	30	increasing	increase	VERB
fbem-6054	16	31	their	their	PRON
fbem-6054	16	32	willingness	willingness	NOUN
fbem-6054	16	33	to	to	PART
fbem-6054	16	34	participate	participate	VERB
fbem-6054	16	35	in	in	ADP
fbem-6054	16	36	financial	financial	ADJ
fbem-6054	16	37	investments	investment	NOUN
fbem-6054	16	38	(	(	PUNCT
fbem-6054	16	39	wang	wang	PROPN
fbem-6054	16	40	et	et	PROPN
fbem-6054	16	41	al	al	PROPN
fbem-6054	16	42	.	.	PROPN
fbem-6054	16	43	,	,	PUNCT
fbem-6054	16	44	2019	2019	NUM
fbem-6054	16	45	)	)	PUNCT
fbem-6054	16	46	.	.	PUNCT
fbem-6054	17	1	[	[	X
fbem-6054	17	2	2]however	2]however	NUM
fbem-6054	17	3	,	,	PUNCT
fbem-6054	17	4	some	some	DET
fbem-6054	17	5	households	household	NOUN
fbem-6054	17	6	,	,	PUNCT
fbem-6054	17	7	despite	despite	SCONJ
fbem-6054	17	8	their	their	PRON
fbem-6054	17	9	desire	desire	NOUN
fbem-6054	17	10	to	to	PART
fbem-6054	17	11	enjoy	enjoy	VERB
fbem-6054	17	12	digital	digital	ADJ
fbem-6054	17	13	financial	financial	ADJ
fbem-6054	17	14	services	service	NOUN
fbem-6054	17	15	,	,	PUNCT
fbem-6054	17	16	are	be	AUX
fbem-6054	17	17	excluded	exclude	VERB
fbem-6054	17	18	from	from	ADP
fbem-6054	17	19	digital	digital	ADJ
fbem-6054	17	20	financial	financial	ADJ
fbem-6054	17	21	models	model	NOUN
fbem-6054	17	22	due	due	ADJ
fbem-6054	17	23	to	to	ADP
fbem-6054	17	24	factors	factor	NOUN
fbem-6054	17	25	such	such	ADJ
fbem-6054	17	26	as	as	ADP
fbem-6054	17	27	lack	lack	NOUN
fbem-6054	17	28	of	of	ADP
fbem-6054	17	29	financial	financial	ADJ
fbem-6054	17	30	knowledge	knowledge	NOUN
fbem-6054	17	31	,	,	PUNCT
fbem-6054	17	32	which	which	PRON
fbem-6054	17	33	is	be	AUX
fbem-6054	17	34	influenced	influence	VERB
fbem-6054	17	35	by	by	ADP
fbem-6054	17	36	the	the	DET
fbem-6054	17	37	impact	impact	NOUN
fbem-6054	17	38	of	of	ADP
fbem-6054	17	39	the	the	DET
fbem-6054	17	40	digital	digital	ADJ
fbem-6054	17	41	divide	divide	NOUN
fbem-6054	17	42	(	(	PUNCT
fbem-6054	17	43	guo	guo	PROPN
fbem-6054	17	44	&	&	CCONJ
fbem-6054	17	45	wang	wang	PROPN
fbem-6054	17	46	,	,	PUNCT
fbem-6054	17	47	2020	2020	NUM
fbem-6054	17	48	)	)	PUNCT
fbem-6054	17	49	.	.	PUNCT
fbem-6054	18	1	[	[	X
fbem-6054	18	2	3]the	3]the	DET
fbem-6054	18	3	existence	existence	NOUN
fbem-6054	18	4	of	of	ADP
fbem-6054	18	5	the	the	DET
fbem-6054	18	6	digital	digital	ADJ
fbem-6054	18	7	divide	divide	NOUN
fbem-6054	18	8	significantly	significantly	ADV
fbem-6054	18	9	reduces	reduce	VERB
fbem-6054	18	10	the	the	DET
fbem-6054	18	11	probability	probability	NOUN
fbem-6054	18	12	of	of	ADP
fbem-6054	18	13	household	household	NOUN
fbem-6054	18	14	financial	financial	ADJ
fbem-6054	18	15	investment	investment	NOUN
fbem-6054	18	16	(	(	PUNCT
fbem-6054	18	17	zhang	zhang	PROPN
fbem-6054	18	18	&	&	CCONJ
fbem-6054	18	19	lu	lu	PROPN
fbem-6054	18	20	,	,	PUNCT
fbem-6054	18	21	2021	2021	NUM
fbem-6054	18	22	)	)	PUNCT
fbem-6054	18	23	.	.	PUNCT
fbem-6054	19	1	the	the	DET
fbem-6054	19	2	reviewed	review	VERB
fbem-6054	19	3	literature	literature	NOUN
fbem-6054	19	4	indicates	indicate	VERB
fbem-6054	19	5	that	that	SCONJ
fbem-6054	19	6	while	while	SCONJ
fbem-6054	19	7	many	many	ADJ
fbem-6054	19	8	scholars	scholar	NOUN
fbem-6054	19	9	have	have	AUX
fbem-6054	19	10	focused	focus	VERB
fbem-6054	19	11	on	on	ADP
fbem-6054	19	12	the	the	DET
fbem-6054	19	13	negative	negative	ADJ
fbem-6054	19	14	impact	impact	NOUN
fbem-6054	19	15	of	of	ADP
fbem-6054	19	16	the	the	DET
fbem-6054	19	17	digital	digital	ADJ
fbem-6054	19	18	divide	divide	NOUN
fbem-6054	19	19	on	on	ADP
fbem-6054	19	20	households	household	NOUN
fbem-6054	19	21	,	,	PUNCT
fbem-6054	19	22	most	most	ADJ
fbem-6054	19	23	of	of	ADP
fbem-6054	19	24	the	the	DET
fbem-6054	19	25	literature	literature	NOUN
fbem-6054	19	26	has	have	AUX
fbem-6054	19	27	studied	study	VERB
fbem-6054	19	28	the	the	DET
fbem-6054	19	29	digital	digital	ADJ
fbem-6054	19	30	divide	divide	NOUN
fbem-6054	19	31	at	at	ADP
fbem-6054	19	32	the	the	DET
fbem-6054	19	33	national	national	ADJ
fbem-6054	19	34	or	or	CCONJ
fbem-6054	19	35	regional	regional	ADJ
fbem-6054	19	36	level	level	NOUN
fbem-6054	19	37	,	,	PUNCT
fbem-6054	19	38	with	with	ADP
fbem-6054	19	39	only	only	ADV
fbem-6054	19	40	a	a	DET
fbem-6054	19	41	few	few	ADJ
fbem-6054	19	42	studies	study	NOUN
fbem-6054	19	43	examining	examine	VERB
fbem-6054	19	44	it	it	PRON
fbem-6054	19	45	from	from	ADP
fbem-6054	19	46	a	a	DET
fbem-6054	19	47	micro	micro	ADJ
fbem-6054	19	48	-	-	NOUN
fbem-6054	19	49	level	level	ADJ
fbem-6054	19	50	household	household	NOUN
fbem-6054	19	51	perspective	perspective	NOUN
fbem-6054	19	52	(	(	PUNCT
fbem-6054	19	53	e.g.	e.g.	ADV
fbem-6054	19	54	,	,	PUNCT
fbem-6054	19	55	wang	wang	PROPN
fbem-6054	19	56	et	et	PROPN
fbem-6054	19	57	al	al	PROPN
fbem-6054	19	58	.	.	PROPN
fbem-6054	19	59	,	,	PUNCT
fbem-6054	19	60	2019	2019	NUM
fbem-6054	19	61	;	;	PUNCT
fbem-6054	19	62	zhang	zhang	PROPN
fbem-6054	19	63	and	and	CCONJ
fbem-6054	19	64	lu	lu	PROPN
fbem-6054	19	65	,	,	PUNCT
fbem-6054	19	66	2021	2021	NUM
fbem-6054	19	67	)	)	PUNCT
fbem-6054	19	68	.	.	PUNCT
fbem-6054	20	1	this	this	DET
fbem-6054	20	2	paper	paper	NOUN
fbem-6054	20	3	uses	use	VERB
fbem-6054	20	4	micro	micro	ADJ
fbem-6054	20	5	-	-	NOUN
fbem-6054	20	6	level	level	ADJ
fbem-6054	20	7	household	household	NOUN
fbem-6054	20	8	data	datum	NOUN
fbem-6054	20	9	to	to	PART
fbem-6054	20	10	investigate	investigate	VERB
fbem-6054	20	11	the	the	DET
fbem-6054	20	12	impact	impact	NOUN
fbem-6054	20	13	of	of	ADP
fbem-6054	20	14	the	the	DET
fbem-6054	20	15	digital	digital	ADJ
fbem-6054	20	16	divide	divide	NOUN
fbem-6054	20	17	on	on	ADP
fbem-6054	20	18	household	household	NOUN
fbem-6054	20	19	participation	participation	NOUN
fbem-6054	20	20	in	in	ADP
fbem-6054	20	21	the	the	DET
fbem-6054	20	22	financial	financial	ADJ
fbem-6054	20	23	market	market	NOUN
fbem-6054	20	24	and	and	CCONJ
fbem-6054	20	25	its	its	PRON
fbem-6054	20	26	mechanisms	mechanism	NOUN
fbem-6054	20	27	from	from	ADP
fbem-6054	20	28	both	both	CCONJ
fbem-6054	20	29	theoretical	theoretical	ADJ
fbem-6054	20	30	and	and	CCONJ
fbem-6054	20	31	empirical	empirical	ADJ
fbem-6054	20	32	perspectives	perspective	NOUN
fbem-6054	20	33	.	.	PUNCT
fbem-6054	21	1	building	build	VERB
fbem-6054	21	2	on	on	ADP
fbem-6054	21	3	the	the	DET
fbem-6054	21	4	work	work	NOUN
fbem-6054	21	5	of	of	ADP
fbem-6054	21	6	zhang	zhang	PROPN
fbem-6054	21	7	and	and	CCONJ
fbem-6054	21	8	lu	lu	PROPN
fbem-6054	21	9	(	(	PUNCT
fbem-6054	21	10	2021	2021	NUM
fbem-6054	21	11	)	)	PUNCT
fbem-6054	21	12	,	,	PUNCT
fbem-6054	21	13	this	this	DET
fbem-6054	21	14	paper	paper	NOUN
fbem-6054	21	15	distinguishes	distinguish	VERB
fbem-6054	21	16	between	between	ADP
fbem-6054	21	17	low	low	ADJ
fbem-6054	21	18	-	-	PUNCT
fbem-6054	21	19	risk	risk	NOUN
fbem-6054	21	20	and	and	CCONJ
fbem-6054	21	21	high	high	ADJ
fbem-6054	21	22	-	-	PUNCT
fbem-6054	21	23	risk	risk	NOUN
fbem-6054	21	24	market	market	NOUN
fbem-6054	21	25	participation	participation	NOUN
fbem-6054	21	26	and	and	CCONJ
fbem-6054	21	27	explores	explore	VERB
fbem-6054	21	28	the	the	DET
fbem-6054	21	29	impact	impact	NOUN
fbem-6054	21	30	of	of	ADP
fbem-6054	21	31	the	the	DET
fbem-6054	21	32	digital	digital	ADJ
fbem-6054	21	33	divide	divide	NOUN
fbem-6054	21	34	on	on	ADP
fbem-6054	21	35	both	both	DET
fbem-6054	21	36	types	type	NOUN
fbem-6054	21	37	of	of	ADP
fbem-6054	21	38	participation	participation	NOUN
fbem-6054	21	39	.	.	PUNCT
fbem-6054	22	1	furthermore	furthermore	ADV
fbem-6054	22	2	,	,	PUNCT
fbem-6054	22	3	this	this	DET
fbem-6054	22	4	paper	paper	NOUN
fbem-6054	22	5	analyzes	analyze	VERB
fbem-6054	22	6	and	and	CCONJ
fbem-6054	22	7	verifies	verifie	NOUN
fbem-6054	22	8	the	the	DET
fbem-6054	22	9	mechanisms	mechanism	NOUN
fbem-6054	22	10	through	through	ADP
fbem-6054	22	11	which	which	PRON
fbem-6054	22	12	the	the	DET
fbem-6054	22	13	digital	digital	ADJ
fbem-6054	22	14	divide	divide	NOUN
fbem-6054	22	15	affects	affect	VERB
fbem-6054	22	16	household	household	NOUN
fbem-6054	22	17	participation	participation	NOUN
fbem-6054	22	18	in	in	ADP
fbem-6054	22	19	the	the	DET
fbem-6054	22	20	financial	financial	ADJ
fbem-6054	22	21	market	market	NOUN
fbem-6054	22	22	,	,	PUNCT
fbem-6054	22	23	providing	provide	VERB
fbem-6054	22	24	new	new	ADJ
fbem-6054	22	25	insights	insight	NOUN
fbem-6054	22	26	for	for	ADP
fbem-6054	22	27	improving	improve	VERB
fbem-6054	22	28	household	household	NOUN
fbem-6054	22	29	participation	participation	NOUN
fbem-6054	22	30	in	in	ADP
fbem-6054	22	31	the	the	DET
fbem-6054	22	32	financial	financial	ADJ
fbem-6054	22	33	market	market	NOUN
fbem-6054	22	34	.	.	PUNCT
fbem-6054	23	1	2	2	X
fbem-6054	23	2	.	.	X
fbem-6054	23	3	review	review	NOUN
fbem-6054	23	4	of	of	ADP
fbem-6054	23	5	the	the	DET
fbem-6054	23	6	literature	literature	NOUN
fbem-6054	23	7	taking	take	VERB
fbem-6054	23	8	a	a	DET
fbem-6054	23	9	household	household	NOUN
fbem-6054	23	10	finance	finance	NOUN
fbem-6054	23	11	perspective	perspective	NOUN
fbem-6054	23	12	,	,	PUNCT
fbem-6054	23	13	inadequate	inadequate	ADJ
fbem-6054	23	14	development	development	NOUN
fbem-6054	23	15	is	be	AUX
fbem-6054	23	16	reflected	reflect	VERB
fbem-6054	23	17	in	in	ADP
fbem-6054	23	18	the	the	DET
fbem-6054	23	19	low	low	ADJ
fbem-6054	23	20	participation	participation	NOUN
fbem-6054	23	21	rate	rate	NOUN
fbem-6054	23	22	and	and	CCONJ
fbem-6054	23	23	low	low	ADJ
fbem-6054	23	24	share	share	NOUN
fbem-6054	23	25	of	of	ADP
fbem-6054	23	26	financial	financial	ADJ
fbem-6054	23	27	assets	asset	NOUN
fbem-6054	23	28	held	hold	VERB
fbem-6054	23	29	by	by	ADP
fbem-6054	23	30	households	household	NOUN
fbem-6054	23	31	.	.	PUNCT
fbem-6054	24	1	unbalanced	unbalanced	ADJ
fbem-6054	24	2	development	development	NOUN
fbem-6054	24	3	is	be	AUX
fbem-6054	24	4	more	more	ADV
fbem-6054	24	5	evident	evident	ADJ
fbem-6054	24	6	in	in	ADP
fbem-6054	24	7	the	the	DET
fbem-6054	24	8	varying	vary	VERB
fbem-6054	24	9	degrees	degree	NOUN
fbem-6054	24	10	of	of	ADP
fbem-6054	24	11	participation	participation	NOUN
fbem-6054	24	12	in	in	ADP
fbem-6054	24	13	financial	financial	ADJ
fbem-6054	24	14	markets	market	NOUN
fbem-6054	24	15	among	among	ADP
fbem-6054	24	16	households	household	NOUN
fbem-6054	24	17	in	in	ADP
fbem-6054	24	18	different	different	ADJ
fbem-6054	24	19	regions	region	NOUN
fbem-6054	24	20	and	and	CCONJ
fbem-6054	24	21	between	between	ADP
fbem-6054	24	22	urban	urban	ADJ
fbem-6054	24	23	and	and	CCONJ
fbem-6054	24	24	rural	rural	ADJ
fbem-6054	24	25	areas	area	NOUN
fbem-6054	24	26	.	.	PUNCT
fbem-6054	25	1	previous	previous	ADJ
fbem-6054	25	2	literature	literature	NOUN
fbem-6054	25	3	has	have	AUX
fbem-6054	25	4	mainly	mainly	ADV
fbem-6054	25	5	examined	examine	VERB
fbem-6054	25	6	the	the	DET
fbem-6054	25	7	factors	factor	NOUN
fbem-6054	25	8	affecting	affect	VERB
fbem-6054	25	9	household	household	NOUN
fbem-6054	25	10	participation	participation	NOUN
fbem-6054	25	11	in	in	ADP
fbem-6054	25	12	financial	financial	ADJ
fbem-6054	25	13	markets	market	NOUN
fbem-6054	25	14	from	from	ADP
fbem-6054	25	15	three	three	NUM
fbem-6054	25	16	aspects	aspect	NOUN
fbem-6054	25	17	:	:	PUNCT
fbem-6054	25	18	1	1	NUM
fbem-6054	25	19	)	)	PUNCT
fbem-6054	25	20	demographic	demographic	ADJ
fbem-6054	25	21	characteristics	characteristic	NOUN
fbem-6054	25	22	such	such	ADJ
fbem-6054	25	23	as	as	ADP
fbem-6054	25	24	gender	gender	NOUN
fbem-6054	25	25	,	,	PUNCT
fbem-6054	25	26	age	age	NOUN
fbem-6054	25	27	,	,	PUNCT
fbem-6054	25	28	family	family	NOUN
fbem-6054	25	29	size	size	NOUN
fbem-6054	25	30	,	,	PUNCT
fbem-6054	25	31	and	and	CCONJ
fbem-6054	25	32	marital	marital	ADJ
fbem-6054	25	33	status	status	NOUN
fbem-6054	25	34	;	;	PUNCT
fbem-6054	25	35	2	2	X
fbem-6054	25	36	)	)	PUNCT
fbem-6054	25	37	human	human	ADJ
fbem-6054	25	38	capital	capital	NOUN
fbem-6054	25	39	accumulation	accumulation	NOUN
fbem-6054	25	40	,	,	PUNCT
fbem-6054	25	41	including	include	VERB
fbem-6054	25	42	the	the	DET
fbem-6054	25	43	education	education	NOUN
fbem-6054	25	44	level	level	NOUN
fbem-6054	25	45	,	,	PUNCT
fbem-6054	25	46	health	health	NOUN
fbem-6054	25	47	status	status	NOUN
fbem-6054	25	48	,	,	PUNCT
fbem-6054	25	49	and	and	CCONJ
fbem-6054	25	50	risk	risk	NOUN
fbem-6054	25	51	preference	preference	NOUN
fbem-6054	25	52	of	of	ADP
fbem-6054	25	53	household	household	NOUN
fbem-6054	25	54	heads	head	NOUN
fbem-6054	25	55	;	;	PUNCT
fbem-6054	25	56	and	and	CCONJ
fbem-6054	25	57	3	3	X
fbem-6054	25	58	)	)	PUNCT
fbem-6054	25	59	behavioral	behavioral	ADJ
fbem-6054	25	60	economics	economic	NOUN
fbem-6054	25	61	explanations	explanation	NOUN
fbem-6054	25	62	of	of	ADP
fbem-6054	25	63	financial	financial	ADJ
fbem-6054	25	64	market	market	NOUN
fbem-6054	25	65	participation	participation	NOUN
fbem-6054	25	66	.	.	PUNCT
fbem-6054	26	1	128	128	NUM
fbem-6054	26	2	the	the	DET
fbem-6054	26	3	rapidly	rapidly	ADV
fbem-6054	26	4	expanding	expand	VERB
fbem-6054	26	5	digital	digital	ADJ
fbem-6054	26	6	divide	divide	NOUN
fbem-6054	26	7	has	have	AUX
fbem-6054	26	8	become	become	VERB
fbem-6054	26	9	a	a	DET
fbem-6054	26	10	significant	significant	ADJ
fbem-6054	26	11	obstacle	obstacle	NOUN
fbem-6054	26	12	to	to	ADP
fbem-6054	26	13	the	the	DET
fbem-6054	26	14	healthy	healthy	ADJ
fbem-6054	26	15	and	and	CCONJ
fbem-6054	26	16	stable	stable	ADJ
fbem-6054	26	17	development	development	NOUN
fbem-6054	26	18	of	of	ADP
fbem-6054	26	19	china	china	PROPN
fbem-6054	26	20	's	's	PART
fbem-6054	26	21	economy	economy	NOUN
fbem-6054	26	22	.	.	PUNCT
fbem-6054	27	1	it	it	PRON
fbem-6054	27	2	is	be	AUX
fbem-6054	27	3	not	not	PART
fbem-6054	27	4	merely	merely	ADV
fbem-6054	27	5	a	a	DET
fbem-6054	27	6	technical	technical	ADJ
fbem-6054	27	7	issue	issue	NOUN
fbem-6054	27	8	but	but	CCONJ
fbem-6054	27	9	also	also	ADV
fbem-6054	27	10	a	a	DET
fbem-6054	27	11	crucial	crucial	ADJ
fbem-6054	27	12	concern	concern	NOUN
fbem-6054	27	13	that	that	PRON
fbem-6054	27	14	affects	affect	VERB
fbem-6054	27	15	social	social	ADJ
fbem-6054	27	16	stability	stability	NOUN
fbem-6054	27	17	and	and	CCONJ
fbem-6054	27	18	development	development	NOUN
fbem-6054	27	19	.	.	PUNCT
fbem-6054	28	1	consequently	consequently	ADV
fbem-6054	28	2	,	,	PUNCT
fbem-6054	28	3	in	in	ADP
fbem-6054	28	4	recent	recent	ADJ
fbem-6054	28	5	years	year	NOUN
fbem-6054	28	6	,	,	PUNCT
fbem-6054	28	7	it	it	PRON
fbem-6054	28	8	has	have	AUX
fbem-6054	28	9	become	become	VERB
fbem-6054	28	10	a	a	DET
fbem-6054	28	11	focal	focal	ADJ
fbem-6054	28	12	point	point	NOUN
fbem-6054	28	13	of	of	ADP
fbem-6054	28	14	academic	academic	ADJ
fbem-6054	28	15	research	research	NOUN
fbem-6054	28	16	.	.	PUNCT
fbem-6054	29	1	its	its	PRON
fbem-6054	29	2	existence	existence	NOUN
fbem-6054	29	3	has	have	VERB
fbem-6054	29	4	far	far	ADV
fbem-6054	29	5	-	-	PUNCT
fbem-6054	29	6	reaching	reach	VERB
fbem-6054	29	7	impacts	impact	NOUN
fbem-6054	29	8	on	on	ADP
fbem-6054	29	9	various	various	ADJ
fbem-6054	29	10	aspects	aspect	NOUN
fbem-6054	29	11	of	of	ADP
fbem-6054	29	12	household	household	NOUN
fbem-6054	29	13	decision	decision	NOUN
fbem-6054	29	14	-	-	PUNCT
fbem-6054	29	15	making	make	VERB
fbem-6054	29	16	behavior	behavior	NOUN
fbem-6054	29	17	,	,	PUNCT
fbem-6054	29	18	such	such	ADJ
fbem-6054	29	19	as	as	ADP
fbem-6054	29	20	household	household	NOUN
fbem-6054	29	21	consumption	consumption	NOUN
fbem-6054	29	22	,	,	PUNCT
fbem-6054	29	23	investment	investment	NOUN
fbem-6054	29	24	,	,	PUNCT
fbem-6054	29	25	income	income	NOUN
fbem-6054	29	26	,	,	PUNCT
fbem-6054	29	27	and	and	CCONJ
fbem-6054	29	28	risk	risk	NOUN
fbem-6054	29	29	preference	preference	NOUN
fbem-6054	29	30	,	,	PUNCT
fbem-6054	29	31	thereby	thereby	ADV
fbem-6054	29	32	affecting	affect	VERB
fbem-6054	29	33	household	household	NOUN
fbem-6054	29	34	participation	participation	NOUN
fbem-6054	29	35	in	in	ADP
fbem-6054	29	36	financial	financial	ADJ
fbem-6054	29	37	markets	market	NOUN
fbem-6054	29	38	.	.	PUNCT
fbem-6054	30	1	there	there	PRON
fbem-6054	30	2	is	be	VERB
fbem-6054	30	3	currently	currently	ADV
fbem-6054	30	4	a	a	DET
fbem-6054	30	5	lack	lack	NOUN
fbem-6054	30	6	of	of	ADP
fbem-6054	30	7	sufficient	sufficient	ADJ
fbem-6054	30	8	research	research	NOUN
fbem-6054	30	9	on	on	ADP
fbem-6054	30	10	the	the	DET
fbem-6054	30	11	relationship	relationship	NOUN
fbem-6054	30	12	between	between	ADP
fbem-6054	30	13	the	the	DET
fbem-6054	30	14	digital	digital	ADJ
fbem-6054	30	15	divide	divide	NOUN
fbem-6054	30	16	and	and	CCONJ
fbem-6054	30	17	household	household	NOUN
fbem-6054	30	18	participation	participation	NOUN
fbem-6054	30	19	in	in	ADP
fbem-6054	30	20	financial	financial	ADJ
fbem-6054	30	21	markets	market	NOUN
fbem-6054	30	22	.	.	PUNCT
fbem-6054	31	1	in	in	ADP
fbem-6054	31	2	their	their	PRON
fbem-6054	31	3	recent	recent	ADJ
fbem-6054	31	4	study	study	NOUN
fbem-6054	31	5	,	,	PUNCT
fbem-6054	31	6	zhang	zhang	PROPN
fbem-6054	31	7	and	and	CCONJ
fbem-6054	31	8	lu	lu	PROPN
fbem-6054	31	9	(	(	PUNCT
fbem-6054	31	10	2021	2021	NUM
fbem-6054	31	11	)	)	PUNCT
fbem-6054	31	12	examined	examine	VERB
fbem-6054	31	13	the	the	DET
fbem-6054	31	14	impact	impact	NOUN
fbem-6054	31	15	of	of	ADP
fbem-6054	31	16	the	the	DET
fbem-6054	31	17	digital	digital	ADJ
fbem-6054	31	18	divide	divide	NOUN
fbem-6054	31	19	on	on	ADP
fbem-6054	31	20	household	household	NOUN
fbem-6054	31	21	financial	financial	ADJ
fbem-6054	31	22	investment	investment	NOUN
fbem-6054	31	23	and	and	CCONJ
fbem-6054	31	24	found	find	VERB
fbem-6054	31	25	that	that	SCONJ
fbem-6054	31	26	its	its	PRON
fbem-6054	31	27	presence	presence	NOUN
fbem-6054	31	28	significantly	significantly	ADV
fbem-6054	31	29	reduces	reduce	VERB
fbem-6054	31	30	the	the	DET
fbem-6054	31	31	likelihood	likelihood	NOUN
fbem-6054	31	32	of	of	ADP
fbem-6054	31	33	household	household	NOUN
fbem-6054	31	34	participation	participation	NOUN
fbem-6054	31	35	in	in	ADP
fbem-6054	31	36	financial	financial	ADJ
fbem-6054	31	37	markets[3	markets[3	PROPN
fbem-6054	31	38	]	]	PUNCT
fbem-6054	31	39	.	.	PUNCT
fbem-6054	32	1	this	this	DET
fbem-6054	32	2	paper	paper	NOUN
fbem-6054	32	3	builds	build	VERB
fbem-6054	32	4	upon	upon	SCONJ
fbem-6054	32	5	existing	exist	VERB
fbem-6054	32	6	research	research	NOUN
fbem-6054	32	7	that	that	PRON
fbem-6054	32	8	examines	examine	VERB
fbem-6054	32	9	the	the	DET
fbem-6054	32	10	impact	impact	NOUN
fbem-6054	32	11	of	of	ADP
fbem-6054	32	12	the	the	DET
fbem-6054	32	13	digital	digital	ADJ
fbem-6054	32	14	divide	divide	NOUN
fbem-6054	32	15	on	on	ADP
fbem-6054	32	16	household	household	NOUN
fbem-6054	32	17	financial	financial	ADJ
fbem-6054	32	18	market	market	NOUN
fbem-6054	32	19	participation	participation	NOUN
fbem-6054	32	20	.	.	PUNCT
fbem-6054	33	1	specifically	specifically	ADV
fbem-6054	33	2	,	,	PUNCT
fbem-6054	33	3	we	we	PRON
fbem-6054	33	4	categorize	categorize	VERB
fbem-6054	33	5	financial	financial	ADJ
fbem-6054	33	6	market	market	NOUN
fbem-6054	33	7	participation	participation	NOUN
fbem-6054	33	8	as	as	ADP
fbem-6054	33	9	low	low	ADJ
fbem-6054	33	10	-	-	PUNCT
fbem-6054	33	11	risk	risk	NOUN
fbem-6054	33	12	and	and	CCONJ
fbem-6054	33	13	high	high	ADJ
fbem-6054	33	14	-	-	PUNCT
fbem-6054	33	15	risk	risk	NOUN
fbem-6054	33	16	,	,	PUNCT
fbem-6054	33	17	and	and	CCONJ
fbem-6054	33	18	analyze	analyze	VERB
fbem-6054	33	19	the	the	DET
fbem-6054	33	20	mechanism	mechanism	NOUN
fbem-6054	33	21	by	by	ADP
fbem-6054	33	22	which	which	PRON
fbem-6054	33	23	the	the	DET
fbem-6054	33	24	digital	digital	ADJ
fbem-6054	33	25	divide	divide	NOUN
fbem-6054	33	26	affects	affect	VERB
fbem-6054	33	27	household	household	NOUN
fbem-6054	33	28	financial	financial	ADJ
fbem-6054	33	29	market	market	NOUN
fbem-6054	33	30	participation	participation	NOUN
fbem-6054	33	31	from	from	ADP
fbem-6054	33	32	the	the	DET
fbem-6054	33	33	perspective	perspective	NOUN
fbem-6054	33	34	of	of	ADP
fbem-6054	33	35	household	household	NOUN
fbem-6054	33	36	income	income	NOUN
fbem-6054	33	37	.	.	PUNCT
fbem-6054	34	1	3	3	X
fbem-6054	34	2	.	.	X
fbem-6054	34	3	data	datum	NOUN
fbem-6054	34	4	variables	variable	NOUN
fbem-6054	34	5	and	and	CCONJ
fbem-6054	34	6	models	model	NOUN
fbem-6054	34	7	3.1	3.1	NUM
fbem-6054	34	8	.	.	PUNCT
fbem-6054	34	9	data	datum	NOUN
fbem-6054	34	10	the	the	DET
fbem-6054	34	11	data	datum	NOUN
fbem-6054	34	12	used	use	VERB
fbem-6054	34	13	in	in	ADP
fbem-6054	34	14	this	this	DET
fbem-6054	34	15	study	study	NOUN
fbem-6054	34	16	is	be	AUX
fbem-6054	34	17	derived	derive	VERB
fbem-6054	34	18	from	from	ADP
fbem-6054	34	19	the	the	DET
fbem-6054	34	20	fourth	fourth	ADJ
fbem-6054	34	21	round	round	NOUN
fbem-6054	34	22	of	of	ADP
fbem-6054	34	23	the	the	DET
fbem-6054	34	24	china	china	PROPN
fbem-6054	34	25	household	household	PROPN
fbem-6054	34	26	finance	finance	NOUN
fbem-6054	34	27	survey	survey	NOUN
fbem-6054	34	28	(	(	PUNCT
fbem-6054	34	29	chfs	chfs	PROPN
fbem-6054	34	30	)	)	PUNCT
fbem-6054	34	31	conducted	conduct	VERB
fbem-6054	34	32	by	by	ADP
fbem-6054	34	33	the	the	DET
fbem-6054	34	34	southwestern	southwestern	ADJ
fbem-6054	34	35	university	university	NOUN
fbem-6054	34	36	of	of	ADP
fbem-6054	34	37	finance	finance	NOUN
fbem-6054	34	38	and	and	CCONJ
fbem-6054	34	39	economics	economic	NOUN
fbem-6054	34	40	in	in	ADP
fbem-6054	34	41	2017	2017	NUM
fbem-6054	34	42	,	,	PUNCT
fbem-6054	34	43	which	which	PRON
fbem-6054	34	44	provides	provide	VERB
fbem-6054	34	45	an	an	DET
fbem-6054	34	46	accurate	accurate	ADJ
fbem-6054	34	47	reflection	reflection	NOUN
fbem-6054	34	48	of	of	ADP
fbem-6054	34	49	the	the	DET
fbem-6054	34	50	current	current	ADJ
fbem-6054	34	51	state	state	NOUN
fbem-6054	34	52	of	of	ADP
fbem-6054	34	53	chinese	chinese	ADJ
fbem-6054	34	54	households	household	NOUN
fbem-6054	34	55	.	.	PUNCT
fbem-6054	35	1	the	the	DET
fbem-6054	35	2	chfs	chfs	PROPN
fbem-6054	35	3	sample	sample	NOUN
fbem-6054	35	4	covers	cover	VERB
fbem-6054	35	5	29	29	NUM
fbem-6054	35	6	provinces	province	NOUN
fbem-6054	35	7	(	(	PUNCT
fbem-6054	35	8	autonomous	autonomous	ADJ
fbem-6054	35	9	regions	region	NOUN
fbem-6054	35	10	,	,	PUNCT
fbem-6054	35	11	municipalities	municipality	NOUN
fbem-6054	35	12	)	)	PUNCT
fbem-6054	35	13	and	and	CCONJ
fbem-6054	35	14	353	353	NUM
fbem-6054	35	15	counties	county	NOUN
fbem-6054	35	16	(	(	PUNCT
fbem-6054	35	17	districts	district	NOUN
fbem-6054	35	18	)	)	PUNCT
fbem-6054	35	19	and	and	CCONJ
fbem-6054	35	20	1417	1417	NUM
fbem-6054	35	21	communities	community	NOUN
fbem-6054	35	22	(	(	PUNCT
fbem-6054	35	23	villages	village	NOUN
fbem-6054	35	24	)	)	PUNCT
fbem-6054	35	25	nationwide	nationwide	ADV
fbem-6054	35	26	,	,	PUNCT
fbem-6054	35	27	excluding	exclude	VERB
fbem-6054	35	28	tibet	tibet	PROPN
fbem-6054	35	29	,	,	PUNCT
fbem-6054	35	30	xinjiang	xinjiang	PROPN
fbem-6054	35	31	,	,	PUNCT
fbem-6054	35	32	hong	hong	PROPN
fbem-6054	35	33	kong	kong	PROPN
fbem-6054	35	34	,	,	PUNCT
fbem-6054	35	35	macao	macao	PROPN
fbem-6054	35	36	,	,	PUNCT
fbem-6054	35	37	and	and	CCONJ
fbem-6054	35	38	taiwan	taiwan	PROPN
fbem-6054	35	39	,	,	PUNCT
fbem-6054	35	40	and	and	CCONJ
fbem-6054	35	41	includes	include	VERB
fbem-6054	35	42	microdata	microdata	NOUN
fbem-6054	35	43	from	from	ADP
fbem-6054	35	44	over	over	ADP
fbem-6054	35	45	40,000	40,000	NUM
fbem-6054	35	46	households	household	NOUN
fbem-6054	35	47	.	.	PUNCT
fbem-6054	36	1	the	the	DET
fbem-6054	36	2	survey	survey	NOUN
fbem-6054	36	3	collects	collect	VERB
fbem-6054	36	4	information	information	NOUN
fbem-6054	36	5	on	on	ADP
fbem-6054	36	6	demographic	demographic	ADJ
fbem-6054	36	7	characteristics	characteristic	NOUN
fbem-6054	36	8	,	,	PUNCT
fbem-6054	36	9	assets	asset	NOUN
fbem-6054	36	10	and	and	CCONJ
fbem-6054	36	11	liabilities	liability	NOUN
fbem-6054	36	12	,	,	PUNCT
fbem-6054	36	13	insurance	insurance	NOUN
fbem-6054	36	14	and	and	CCONJ
fbem-6054	36	15	protection	protection	NOUN
fbem-6054	36	16	,	,	PUNCT
fbem-6054	36	17	income	income	NOUN
fbem-6054	36	18	and	and	CCONJ
fbem-6054	36	19	expenses	expense	NOUN
fbem-6054	36	20	,	,	PUNCT
fbem-6054	36	21	financial	financial	ADJ
fbem-6054	36	22	knowledge	knowledge	NOUN
fbem-6054	36	23	,	,	PUNCT
fbem-6054	36	24	and	and	CCONJ
fbem-6054	36	25	other	other	ADJ
fbem-6054	36	26	aspects	aspect	NOUN
fbem-6054	36	27	of	of	ADP
fbem-6054	36	28	households	household	NOUN
fbem-6054	36	29	,	,	PUNCT
fbem-6054	36	30	providing	provide	VERB
fbem-6054	36	31	data	datum	NOUN
fbem-6054	36	32	support	support	NOUN
fbem-6054	36	33	for	for	ADP
fbem-6054	36	34	this	this	DET
fbem-6054	36	35	study	study	NOUN
fbem-6054	36	36	on	on	ADP
fbem-6054	36	37	the	the	DET
fbem-6054	36	38	impact	impact	NOUN
fbem-6054	36	39	of	of	ADP
fbem-6054	36	40	the	the	DET
fbem-6054	36	41	digital	digital	ADJ
fbem-6054	36	42	divide	divide	NOUN
fbem-6054	36	43	on	on	ADP
fbem-6054	36	44	financial	financial	ADJ
fbem-6054	36	45	market	market	NOUN
fbem-6054	36	46	participation	participation	NOUN
fbem-6054	36	47	from	from	ADP
fbem-6054	36	48	the	the	DET
fbem-6054	36	49	perspective	perspective	NOUN
fbem-6054	36	50	of	of	ADP
fbem-6054	36	51	household	household	NOUN
fbem-6054	36	52	income	income	NOUN
fbem-6054	36	53	.	.	PUNCT
fbem-6054	37	1	3.2	3.2	NUM
fbem-6054	37	2	.	.	PUNCT
fbem-6054	38	1	variable	variable	ADJ
fbem-6054	38	2	definition	definition	NOUN
fbem-6054	38	3	1	1	NUM
fbem-6054	38	4	.	.	NUM
fbem-6054	38	5	explained	explain	VERB
fbem-6054	38	6	variable	variable	NOUN
fbem-6054	38	7	:	:	PUNCT
fbem-6054	38	8	financial	financial	ADJ
fbem-6054	38	9	market	market	NOUN
fbem-6054	38	10	participation	participation	NOUN
fbem-6054	38	11	drawing	draw	VERB
fbem-6054	38	12	on	on	ADP
fbem-6054	38	13	the	the	DET
fbem-6054	38	14	work	work	NOUN
fbem-6054	38	15	of	of	ADP
fbem-6054	38	16	yin	yin	PROPN
fbem-6054	38	17	zhichao	zhichao	PROPN
fbem-6054	38	18	et	et	PROPN
fbem-6054	38	19	al	al	PROPN
fbem-6054	38	20	.	.	PROPN
fbem-6054	39	1	(	(	PUNCT
fbem-6054	39	2	2019	2019	NUM
fbem-6054	39	3	)	)	PUNCT
fbem-6054	39	4	,	,	PUNCT
fbem-6054	39	5	this	this	DET
fbem-6054	39	6	study	study	NOUN
fbem-6054	39	7	defines	define	VERB
fbem-6054	39	8	financial	financial	ADJ
fbem-6054	39	9	market	market	NOUN
fbem-6054	39	10	participation[4	participation[4	NOUN
fbem-6054	39	11	]	]	PUNCT
fbem-6054	39	12	based	base	VERB
fbem-6054	39	13	on	on	ADP
fbem-6054	39	14	the	the	DET
fbem-6054	39	15	asset	asset	NOUN
fbem-6054	39	16	and	and	CCONJ
fbem-6054	39	17	liability	liability	NOUN
fbem-6054	39	18	section	section	NOUN
fbem-6054	39	19	of	of	ADP
fbem-6054	39	20	the	the	DET
fbem-6054	39	21	chfs	chfs	ADJ
fbem-6054	39	22	questionnaire	questionnaire	NOUN
fbem-6054	39	23	.	.	PUNCT
fbem-6054	40	1	households	household	NOUN
fbem-6054	40	2	that	that	PRON
fbem-6054	40	3	have	have	VERB
fbem-6054	40	4	current	current	ADJ
fbem-6054	40	5	deposits	deposit	NOUN
fbem-6054	40	6	,	,	PUNCT
fbem-6054	40	7	time	time	NOUN
fbem-6054	40	8	deposits	deposit	NOUN
fbem-6054	40	9	,	,	PUNCT
fbem-6054	40	10	stocks	stock	NOUN
fbem-6054	40	11	,	,	PUNCT
fbem-6054	40	12	funds	fund	NOUN
fbem-6054	40	13	,	,	PUNCT
fbem-6054	40	14	financial	financial	ADJ
fbem-6054	40	15	management	management	NOUN
fbem-6054	40	16	products	product	NOUN
fbem-6054	40	17	,	,	PUNCT
fbem-6054	40	18	bonds	bond	NOUN
fbem-6054	40	19	,	,	PUNCT
fbem-6054	40	20	derivatives	derivative	NOUN
fbem-6054	40	21	,	,	PUNCT
fbem-6054	40	22	non	non	ADJ
fbem-6054	40	23	-	-	ADJ
fbem-6054	40	24	rmb	rmb	ADJ
fbem-6054	40	25	assets	asset	NOUN
fbem-6054	40	26	,	,	PUNCT
fbem-6054	40	27	precious	precious	ADJ
fbem-6054	40	28	metals	metal	NOUN
fbem-6054	40	29	,	,	PUNCT
fbem-6054	40	30	other	other	ADJ
fbem-6054	40	31	financial	financial	ADJ
fbem-6054	40	32	assets	asset	NOUN
fbem-6054	40	33	,	,	PUNCT
fbem-6054	40	34	or	or	CCONJ
fbem-6054	40	35	loans	loan	NOUN
fbem-6054	40	36	are	be	AUX
fbem-6054	40	37	considered	consider	VERB
fbem-6054	40	38	financial	financial	ADJ
fbem-6054	40	39	market	market	NOUN
fbem-6054	40	40	participants	participant	NOUN
fbem-6054	40	41	.	.	PUNCT
fbem-6054	41	1	a	a	DET
fbem-6054	41	2	value	value	NOUN
fbem-6054	41	3	of	of	ADP
fbem-6054	41	4	1	1	NUM
fbem-6054	41	5	indicates	indicate	VERB
fbem-6054	41	6	that	that	SCONJ
fbem-6054	41	7	a	a	DET
fbem-6054	41	8	household	household	NOUN
fbem-6054	41	9	has	have	AUX
fbem-6054	41	10	participated	participate	VERB
fbem-6054	41	11	in	in	ADP
fbem-6054	41	12	financial	financial	ADJ
fbem-6054	41	13	markets	market	NOUN
fbem-6054	41	14	,	,	PUNCT
fbem-6054	41	15	while	while	SCONJ
fbem-6054	41	16	a	a	DET
fbem-6054	41	17	value	value	NOUN
fbem-6054	41	18	of	of	ADP
fbem-6054	41	19	0	0	NUM
fbem-6054	41	20	indicates	indicate	VERB
fbem-6054	41	21	that	that	SCONJ
fbem-6054	41	22	it	it	PRON
fbem-6054	41	23	has	have	VERB
fbem-6054	41	24	not	not	PART
fbem-6054	41	25	.	.	PUNCT
fbem-6054	42	1	2	2	X
fbem-6054	42	2	.	.	X
fbem-6054	42	3	explanatory	explanatory	ADJ
fbem-6054	42	4	variables	variable	NOUN
fbem-6054	42	5	:	:	PUNCT
fbem-6054	42	6	digital	digital	ADJ
fbem-6054	42	7	divide	divide	VERB
fbem-6054	42	8	the	the	DET
fbem-6054	42	9	central	central	ADJ
fbem-6054	42	10	explanatory	explanatory	ADJ
fbem-6054	42	11	variable	variable	NOUN
fbem-6054	42	12	in	in	ADP
fbem-6054	42	13	this	this	DET
fbem-6054	42	14	study	study	NOUN
fbem-6054	42	15	is	be	AUX
fbem-6054	42	16	the	the	DET
fbem-6054	42	17	digital	digital	ADJ
fbem-6054	42	18	divide	divide	NOUN
fbem-6054	42	19	.	.	PUNCT
fbem-6054	43	1	the	the	DET
fbem-6054	43	2	digital	digital	ADJ
fbem-6054	43	3	divide	divide	NOUN
fbem-6054	43	4	is	be	AUX
fbem-6054	43	5	typically	typically	ADV
fbem-6054	43	6	defined	define	VERB
fbem-6054	43	7	as	as	ADP
fbem-6054	43	8	the	the	DET
fbem-6054	43	9	gap	gap	NOUN
fbem-6054	43	10	between	between	ADP
fbem-6054	43	11	those	those	PRON
fbem-6054	43	12	who	who	PRON
fbem-6054	43	13	have	have	VERB
fbem-6054	43	14	access	access	NOUN
fbem-6054	43	15	to	to	ADP
fbem-6054	43	16	and	and	CCONJ
fbem-6054	43	17	those	those	PRON
fbem-6054	43	18	who	who	PRON
fbem-6054	43	19	do	do	AUX
fbem-6054	43	20	not	not	PART
fbem-6054	43	21	have	have	VERB
fbem-6054	43	22	access	access	NOUN
fbem-6054	43	23	to	to	ADP
fbem-6054	43	24	information	information	NOUN
fbem-6054	43	25	and	and	CCONJ
fbem-6054	43	26	communication	communication	NOUN
fbem-6054	43	27	technologies	technology	NOUN
fbem-6054	43	28	.	.	PUNCT
fbem-6054	44	1	following	follow	VERB
fbem-6054	44	2	the	the	DET
fbem-6054	44	3	approach	approach	NOUN
fbem-6054	44	4	of	of	ADP
fbem-6054	44	5	yin	yin	PROPN
fbem-6054	44	6	et	et	PROPN
fbem-6054	44	7	al	al	PROPN
fbem-6054	44	8	.	.	PROPN
fbem-6054	45	1	(	(	PUNCT
fbem-6054	45	2	2021	2021	NUM
fbem-6054	45	3	)	)	PUNCT
fbem-6054	45	4	,	,	PUNCT
fbem-6054	45	5	we	we	PRON
fbem-6054	45	6	define	define	VERB
fbem-6054	45	7	the	the	DET
fbem-6054	45	8	digital	digital	NOUN
fbem-6054	45	9	divide[5	divide[5	PROPN
fbem-6054	45	10	]	]	PUNCT
fbem-6054	45	11	as	as	ADP
fbem-6054	45	12	a	a	DET
fbem-6054	45	13	binary	binary	ADJ
fbem-6054	45	14	variable	variable	NOUN
fbem-6054	45	15	and	and	CCONJ
fbem-6054	45	16	divide	divide	VERB
fbem-6054	45	17	it	it	PRON
fbem-6054	45	18	into	into	ADP
fbem-6054	45	19	two	two	NUM
fbem-6054	45	20	dimensions	dimension	NOUN
fbem-6054	45	21	:	:	PUNCT
fbem-6054	45	22	access	access	NOUN
fbem-6054	45	23	divide	divide	NOUN
fbem-6054	45	24	and	and	CCONJ
fbem-6054	45	25	usage	usage	NOUN
fbem-6054	45	26	divide	divide	NOUN
fbem-6054	45	27	.	.	PUNCT
fbem-6054	46	1	access	access	NOUN
fbem-6054	46	2	divide	divide	NOUN
fbem-6054	46	3	is	be	AUX
fbem-6054	46	4	defined	define	VERB
fbem-6054	46	5	based	base	VERB
fbem-6054	46	6	on	on	ADP
fbem-6054	46	7	the	the	DET
fbem-6054	46	8	question	question	NOUN
fbem-6054	46	9	"	"	PUNCT
fbem-6054	46	10	do	do	AUX
fbem-6054	46	11	you	you	PRON
fbem-6054	46	12	own	own	VERB
fbem-6054	46	13	a	a	DET
fbem-6054	46	14	smartphone	smartphone	NOUN
fbem-6054	46	15	?	?	PUNCT
fbem-6054	46	16	"	"	PUNCT
fbem-6054	46	17	in	in	ADP
fbem-6054	46	18	the	the	DET
fbem-6054	46	19	survey	survey	NOUN
fbem-6054	46	20	.	.	PUNCT
fbem-6054	47	1	a	a	DET
fbem-6054	47	2	response	response	NOUN
fbem-6054	47	3	of	of	ADP
fbem-6054	47	4	1	1	NUM
fbem-6054	47	5	indicates	indicate	VERB
fbem-6054	47	6	that	that	SCONJ
fbem-6054	47	7	the	the	DET
fbem-6054	47	8	respondent	respondent	NOUN
fbem-6054	47	9	owns	own	VERB
fbem-6054	47	10	a	a	DET
fbem-6054	47	11	smartphone	smartphone	NOUN
fbem-6054	47	12	,	,	PUNCT
fbem-6054	47	13	while	while	SCONJ
fbem-6054	47	14	a	a	DET
fbem-6054	47	15	response	response	NOUN
fbem-6054	47	16	of	of	ADP
fbem-6054	47	17	0	0	NUM
fbem-6054	47	18	indicates	indicate	VERB
fbem-6054	47	19	that	that	SCONJ
fbem-6054	47	20	they	they	PRON
fbem-6054	47	21	do	do	VERB
fbem-6054	47	22	not	not	PART
fbem-6054	47	23	.	.	PUNCT
fbem-6054	48	1	usage	usage	NOUN
fbem-6054	48	2	divide	divide	NOUN
fbem-6054	48	3	is	be	AUX
fbem-6054	48	4	defined	define	VERB
fbem-6054	48	5	based	base	VERB
fbem-6054	48	6	on	on	ADP
fbem-6054	48	7	the	the	DET
fbem-6054	48	8	question	question	NOUN
fbem-6054	48	9	"	"	PUNCT
fbem-6054	48	10	do	do	AUX
fbem-6054	48	11	you	you	PRON
fbem-6054	48	12	use	use	VERB
fbem-6054	48	13	the	the	DET
fbem-6054	48	14	internet	internet	NOUN
fbem-6054	48	15	?	?	PUNCT
fbem-6054	48	16	"	"	PUNCT
fbem-6054	49	1	a	a	DET
fbem-6054	49	2	response	response	NOUN
fbem-6054	49	3	of	of	ADP
fbem-6054	49	4	1	1	NUM
fbem-6054	49	5	indicates	indicate	VERB
fbem-6054	49	6	that	that	SCONJ
fbem-6054	49	7	the	the	DET
fbem-6054	49	8	respondent	respondent	NOUN
fbem-6054	49	9	uses	use	VERB
fbem-6054	49	10	the	the	DET
fbem-6054	49	11	internet	internet	NOUN
fbem-6054	49	12	,	,	PUNCT
fbem-6054	49	13	while	while	SCONJ
fbem-6054	49	14	a	a	DET
fbem-6054	49	15	response	response	NOUN
fbem-6054	49	16	of	of	ADP
fbem-6054	49	17	0	0	NUM
fbem-6054	49	18	indicates	indicate	VERB
fbem-6054	49	19	that	that	SCONJ
fbem-6054	49	20	they	they	PRON
fbem-6054	49	21	do	do	VERB
fbem-6054	49	22	not	not	PART
fbem-6054	49	23	.	.	PUNCT
fbem-6054	50	1	if	if	SCONJ
fbem-6054	50	2	the	the	DET
fbem-6054	50	3	survey	survey	NOUN
fbem-6054	50	4	respondent	respondent	NOUN
fbem-6054	50	5	owns	own	VERB
fbem-6054	50	6	a	a	DET
fbem-6054	50	7	smartphone	smartphone	NOUN
fbem-6054	50	8	and	and	CCONJ
fbem-6054	50	9	uses	use	VERB
fbem-6054	50	10	the	the	DET
fbem-6054	50	11	internet	internet	NOUN
fbem-6054	50	12	,	,	PUNCT
fbem-6054	50	13	they	they	PRON
fbem-6054	50	14	are	be	AUX
fbem-6054	50	15	defined	define	VERB
fbem-6054	50	16	as	as	ADP
fbem-6054	50	17	having	have	VERB
fbem-6054	50	18	no	no	DET
fbem-6054	50	19	digital	digital	ADJ
fbem-6054	50	20	divide	divide	NOUN
fbem-6054	50	21	.	.	PUNCT
fbem-6054	51	1	conversely	conversely	ADV
fbem-6054	51	2	,	,	PUNCT
fbem-6054	51	3	if	if	SCONJ
fbem-6054	51	4	they	they	PRON
fbem-6054	51	5	do	do	AUX
fbem-6054	51	6	not	not	PART
fbem-6054	51	7	own	own	VERB
fbem-6054	51	8	a	a	DET
fbem-6054	51	9	smartphone	smartphone	NOUN
fbem-6054	51	10	or	or	CCONJ
fbem-6054	51	11	do	do	AUX
fbem-6054	51	12	not	not	PART
fbem-6054	51	13	use	use	VERB
fbem-6054	51	14	the	the	DET
fbem-6054	51	15	internet	internet	NOUN
fbem-6054	51	16	,	,	PUNCT
fbem-6054	51	17	they	they	PRON
fbem-6054	51	18	are	be	AUX
fbem-6054	51	19	defined	define	VERB
fbem-6054	51	20	as	as	ADP
fbem-6054	51	21	experiencing	experience	VERB
fbem-6054	51	22	the	the	DET
fbem-6054	51	23	digital	digital	ADJ
fbem-6054	51	24	divide	divide	NOUN
fbem-6054	51	25	.	.	PUNCT
fbem-6054	52	1	3	3	X
fbem-6054	52	2	.	.	X
fbem-6054	52	3	control	control	NOUN
fbem-6054	52	4	variables	variable	NOUN
fbem-6054	52	5	drawing	draw	VERB
fbem-6054	52	6	from	from	ADP
fbem-6054	52	7	previous	previous	ADJ
fbem-6054	52	8	literature	literature	NOUN
fbem-6054	52	9	,	,	PUNCT
fbem-6054	52	10	this	this	DET
fbem-6054	52	11	study	study	NOUN
fbem-6054	52	12	controls	control	VERB
fbem-6054	52	13	for	for	ADP
fbem-6054	52	14	various	various	ADJ
fbem-6054	52	15	variables	variable	NOUN
fbem-6054	52	16	related	relate	VERB
fbem-6054	52	17	to	to	ADP
fbem-6054	52	18	individual	individual	ADJ
fbem-6054	52	19	,	,	PUNCT
fbem-6054	52	20	household	household	NOUN
fbem-6054	52	21	,	,	PUNCT
fbem-6054	52	22	and	and	CCONJ
fbem-6054	52	23	regional	regional	ADJ
fbem-6054	52	24	characteristics	characteristic	NOUN
fbem-6054	52	25	.	.	PUNCT
fbem-6054	53	1	specifically	specifically	ADV
fbem-6054	53	2	,	,	PUNCT
fbem-6054	53	3	individual	individual	ADJ
fbem-6054	53	4	-	-	PUNCT
fbem-6054	53	5	level	level	NOUN
fbem-6054	53	6	variables	variable	NOUN
fbem-6054	53	7	include	include	VERB
fbem-6054	53	8	gender	gender	NOUN
fbem-6054	53	9	,	,	PUNCT
fbem-6054	53	10	age	age	NOUN
fbem-6054	53	11	,	,	PUNCT
fbem-6054	53	12	education	education	NOUN
fbem-6054	53	13	level	level	NOUN
fbem-6054	53	14	,	,	PUNCT
fbem-6054	53	15	marital	marital	ADJ
fbem-6054	53	16	status	status	NOUN
fbem-6054	53	17	,	,	PUNCT
fbem-6054	53	18	health	health	NOUN
fbem-6054	53	19	status	status	NOUN
fbem-6054	53	20	,	,	PUNCT
fbem-6054	53	21	and	and	CCONJ
fbem-6054	53	22	risk	risk	NOUN
fbem-6054	53	23	attitude	attitude	NOUN
fbem-6054	53	24	.	.	PUNCT
fbem-6054	54	1	household	household	NOUN
fbem-6054	54	2	-	-	PUNCT
fbem-6054	54	3	level	level	NOUN
fbem-6054	54	4	variables	variable	NOUN
fbem-6054	54	5	include	include	VERB
fbem-6054	54	6	household	household	NOUN
fbem-6054	54	7	size	size	NOUN
fbem-6054	54	8	,	,	PUNCT
fbem-6054	54	9	household	household	NOUN
fbem-6054	54	10	income	income	NOUN
fbem-6054	54	11	,	,	PUNCT
fbem-6054	54	12	household	household	NOUN
fbem-6054	54	13	net	net	ADJ
fbem-6054	54	14	assets	asset	NOUN
fbem-6054	54	15	,	,	PUNCT
fbem-6054	54	16	urban	urban	ADJ
fbem-6054	54	17	-	-	PUNCT
fbem-6054	54	18	rural	rural	ADJ
fbem-6054	54	19	status	status	NOUN
fbem-6054	54	20	,	,	PUNCT
fbem-6054	54	21	and	and	CCONJ
fbem-6054	54	22	regional	regional	ADJ
fbem-6054	54	23	location	location	NOUN
fbem-6054	54	24	.	.	PUNCT
fbem-6054	55	1	regionallevel	regionallevel	NOUN
fbem-6054	55	2	variables	variable	NOUN
fbem-6054	55	3	include	include	VERB
fbem-6054	55	4	economic	economic	ADJ
fbem-6054	55	5	development	development	NOUN
fbem-6054	55	6	level	level	NOUN
fbem-6054	55	7	.	.	PUNCT
fbem-6054	56	1	3.3	3.3	NUM
fbem-6054	56	2	.	.	PUNCT
fbem-6054	57	1	empirical	empirical	ADJ
fbem-6054	57	2	model	model	NOUN
fbem-6054	57	3	this	this	DET
fbem-6054	57	4	study	study	NOUN
fbem-6054	57	5	establishes	establish	VERB
fbem-6054	57	6	a	a	DET
fbem-6054	57	7	linear	linear	ADJ
fbem-6054	57	8	regression	regression	NOUN
fbem-6054	57	9	model	model	NOUN
fbem-6054	57	10	to	to	PART
fbem-6054	57	11	estimate	estimate	VERB
fbem-6054	57	12	the	the	DET
fbem-6054	57	13	impact	impact	NOUN
fbem-6054	57	14	of	of	ADP
fbem-6054	57	15	the	the	DET
fbem-6054	57	16	digital	digital	ADJ
fbem-6054	57	17	divide	divide	NOUN
fbem-6054	57	18	on	on	ADP
fbem-6054	57	19	financial	financial	ADJ
fbem-6054	57	20	market	market	NOUN
fbem-6054	57	21	participation	participation	NOUN
fbem-6054	57	22	.	.	PUNCT
fbem-6054	58	1	the	the	DET
fbem-6054	58	2	empirical	empirical	ADJ
fbem-6054	58	3	model	model	NOUN
fbem-6054	58	4	is	be	AUX
fbem-6054	58	5	specified	specify	VERB
fbem-6054	58	6	as	as	SCONJ
fbem-6054	58	7	follows	follow	VERB
fbem-6054	58	8	:	:	PUNCT
fbem-6054	58	9	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	ADJ
fbem-6054	58	10	𝑎	𝑎	DET
fbem-6054	58	11	𝛽𝑑𝑖𝑔𝑖𝑡𝑎𝑙	𝛽𝑑𝑖𝑔𝑖𝑡𝑎𝑙	NOUN
fbem-6054	58	12	𝑋	𝑋	PROPN
fbem-6054	58	13	𝛾	𝛾	PROPN
fbem-6054	58	14	𝐶	𝐶	PROPN
fbem-6054	58	15	𝜇	𝜇	ADP
fbem-6054	58	16	1	1	NUM
fbem-6054	58	17	the	the	DET
fbem-6054	58	18	dependent	dependent	ADJ
fbem-6054	58	19	variable	variable	ADJ
fbem-6054	58	20	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	NOUN
fbem-6054	58	21	represents	represent	VERB
fbem-6054	58	22	the	the	DET
fbem-6054	58	23	financial	financial	ADJ
fbem-6054	58	24	market	market	NOUN
fbem-6054	58	25	participation	participation	NOUN
fbem-6054	58	26	of	of	ADP
fbem-6054	58	27	the	the	DET
fbem-6054	58	28	𝑖	𝑖	NOUN
fbem-6054	58	29	household	household	NOUN
fbem-6054	58	30	,	,	PUNCT
fbem-6054	58	31	while	while	SCONJ
fbem-6054	58	32	the	the	DET
fbem-6054	58	33	explanatory	explanatory	ADJ
fbem-6054	58	34	variable	variable	ADJ
fbem-6054	58	35	𝑑𝑖𝑔𝑖𝑡𝑎𝑙	𝑑𝑖𝑔𝑖𝑡𝑎𝑙	NOUN
fbem-6054	58	36	represents	represent	VERB
fbem-6054	58	37	the	the	DET
fbem-6054	58	38	digital	digital	ADJ
fbem-6054	58	39	divide	divide	NOUN
fbem-6054	58	40	of	of	ADP
fbem-6054	58	41	the	the	DET
fbem-6054	58	42	𝑖	𝑖	ADJ
fbem-6054	58	43	household	household	NOUN
fbem-6054	58	44	.	.	PUNCT
fbem-6054	59	1	the	the	DET
fbem-6054	59	2	control	control	NOUN
fbem-6054	59	3	variable	variable	NOUN
fbem-6054	59	4	𝑋	𝑋	PROPN
fbem-6054	59	5	includes	include	VERB
fbem-6054	59	6	personal	personal	ADJ
fbem-6054	59	7	characteristics	characteristic	NOUN
fbem-6054	59	8	,	,	PUNCT
fbem-6054	59	9	household	household	NOUN
fbem-6054	59	10	characteristics	characteristic	NOUN
fbem-6054	59	11	,	,	PUNCT
fbem-6054	59	12	and	and	CCONJ
fbem-6054	59	13	regional	regional	ADJ
fbem-6054	59	14	characteristics	characteristic	NOUN
fbem-6054	59	15	.	.	PUNCT
fbem-6054	60	1	coefficient	coefficient	NOUN
fbem-6054	60	2	estimate	estimate	NOUN
fbem-6054	60	3	is	be	AUX
fbem-6054	60	4	denoted	denote	VERB
fbem-6054	60	5	as	as	ADP
fbem-6054	60	6	𝑎	𝑎	PROPN
fbem-6054	60	7	,	,	PUNCT
fbem-6054	60	8	unobserved	unobserved	ADJ
fbem-6054	60	9	variables	variable	NOUN
fbem-6054	60	10	that	that	PRON
fbem-6054	60	11	do	do	AUX
fbem-6054	60	12	not	not	PART
fbem-6054	60	13	vary	vary	VERB
fbem-6054	60	14	with	with	ADP
fbem-6054	60	15	time	time	NOUN
fbem-6054	60	16	are	be	AUX
fbem-6054	60	17	denoted	denote	VERB
fbem-6054	60	18	as	as	ADP
fbem-6054	60	19	𝐶	𝐶	PROPN
fbem-6054	60	20	,	,	PUNCT
fbem-6054	60	21	and	and	CCONJ
fbem-6054	60	22	the	the	DET
fbem-6054	60	23	residual	residual	ADJ
fbem-6054	60	24	term	term	NOUN
fbem-6054	60	25	is	be	AUX
fbem-6054	60	26	denoted	denote	VERB
fbem-6054	60	27	as	as	ADP
fbem-6054	60	28	𝜇	𝜇	ADP
fbem-6054	60	29	.	.	PUNCT
fbem-6054	61	1	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	ADJ
fbem-6054	61	2	𝑎	𝑎	PRON
fbem-6054	61	3	𝛽𝑖𝑛𝑐𝑜𝑚𝑖𝑛𝑔	𝛽𝑖𝑛𝑐𝑜𝑚𝑖𝑛𝑔	ADJ
fbem-6054	61	4	𝑋	𝑋	PROPN
fbem-6054	61	5	𝛾	𝛾	PROPN
fbem-6054	61	6	𝐶	𝐶	PROPN
fbem-6054	61	7	𝜇	𝜇	ADP
fbem-6054	61	8	2	2	NUM
fbem-6054	61	9	the	the	DET
fbem-6054	61	10	dependent	dependent	ADJ
fbem-6054	61	11	variable	variable	ADJ
fbem-6054	61	12	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	NOUN
fbem-6054	61	13	represents	represent	VERB
fbem-6054	61	14	the	the	DET
fbem-6054	61	15	financial	financial	ADJ
fbem-6054	61	16	market	market	NOUN
fbem-6054	61	17	participation	participation	NOUN
fbem-6054	61	18	of	of	ADP
fbem-6054	61	19	the	the	DET
fbem-6054	61	20	𝑖	𝑖	NOUN
fbem-6054	61	21	household	household	NOUN
fbem-6054	61	22	,	,	PUNCT
fbem-6054	61	23	while	while	SCONJ
fbem-6054	61	24	the	the	DET
fbem-6054	61	25	explanatory	explanatory	ADJ
fbem-6054	61	26	variable	variable	ADJ
fbem-6054	61	27	𝑖𝑛𝑐𝑜𝑚𝑖𝑛𝑔	𝑖𝑛𝑐𝑜𝑚𝑖𝑛𝑔	NOUN
fbem-6054	61	28	represents	represent	VERB
fbem-6054	61	29	the	the	DET
fbem-6054	61	30	incoming	incoming	NOUN
fbem-6054	61	31	of	of	ADP
fbem-6054	61	32	the	the	DET
fbem-6054	61	33	𝑖	𝑖	ADJ
fbem-6054	61	34	household	household	NOUN
fbem-6054	61	35	.	.	PUNCT
fbem-6054	62	1	the	the	DET
fbem-6054	62	2	control	control	NOUN
fbem-6054	62	3	variable	variable	NOUN
fbem-6054	62	4	𝑋	𝑋	PROPN
fbem-6054	62	5	includes	include	VERB
fbem-6054	62	6	personal	personal	ADJ
fbem-6054	62	7	characteristics	characteristic	NOUN
fbem-6054	62	8	,	,	PUNCT
fbem-6054	62	9	household	household	NOUN
fbem-6054	62	10	characteristics	characteristic	NOUN
fbem-6054	62	11	,	,	PUNCT
fbem-6054	62	12	and	and	CCONJ
fbem-6054	62	13	regional	regional	ADJ
fbem-6054	62	14	characteristics	characteristic	NOUN
fbem-6054	62	15	.	.	PUNCT
fbem-6054	63	1	coefficient	coefficient	NOUN
fbem-6054	63	2	estimate	estimate	NOUN
fbem-6054	63	3	is	be	AUX
fbem-6054	63	4	denoted	denote	VERB
fbem-6054	63	5	as	as	ADP
fbem-6054	63	6	𝑎	𝑎	PROPN
fbem-6054	63	7	,	,	PUNCT
fbem-6054	63	8	unobserved	unobserved	ADJ
fbem-6054	63	9	variables	variable	NOUN
fbem-6054	63	10	that	that	PRON
fbem-6054	63	11	do	do	AUX
fbem-6054	63	12	not	not	PART
fbem-6054	63	13	vary	vary	VERB
fbem-6054	63	14	with	with	ADP
fbem-6054	63	15	time	time	NOUN
fbem-6054	63	16	are	be	AUX
fbem-6054	63	17	denoted	denote	VERB
fbem-6054	63	18	as	as	ADP
fbem-6054	63	19	𝐶	𝐶	PROPN
fbem-6054	63	20	,	,	PUNCT
fbem-6054	63	21	and	and	CCONJ
fbem-6054	63	22	the	the	DET
fbem-6054	63	23	residual	residual	ADJ
fbem-6054	63	24	term	term	NOUN
fbem-6054	63	25	is	be	AUX
fbem-6054	63	26	denoted	denote	VERB
fbem-6054	63	27	as	as	ADP
fbem-6054	63	28	𝜇	𝜇	ADP
fbem-6054	63	29	.	.	PUNCT
fbem-6054	64	1	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	ADJ
fbem-6054	64	2	𝑎	𝑎	DET
fbem-6054	64	3	𝛽𝑑𝑖𝑔𝑖𝑡𝑎𝑙2	𝛽𝑑𝑖𝑔𝑖𝑡𝑎𝑙2	ADJ
fbem-6054	64	4	𝑋	𝑋	NOUN
fbem-6054	64	5	𝛾	𝛾	PROPN
fbem-6054	64	6	𝐶	𝐶	PROPN
fbem-6054	64	7	𝜇	𝜇	ADP
fbem-6054	64	8	3	3	NUM
fbem-6054	64	9	the	the	DET
fbem-6054	64	10	dependent	dependent	ADJ
fbem-6054	64	11	variable	variable	ADJ
fbem-6054	64	12	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙	NOUN
fbem-6054	64	13	represents	represent	VERB
fbem-6054	64	14	the	the	DET
fbem-6054	64	15	financial	financial	ADJ
fbem-6054	64	16	market	market	NOUN
fbem-6054	64	17	participation	participation	NOUN
fbem-6054	64	18	of	of	ADP
fbem-6054	64	19	the	the	DET
fbem-6054	64	20	𝑖	𝑖	NOUN
fbem-6054	64	21	household	household	NOUN
fbem-6054	64	22	,	,	PUNCT
fbem-6054	64	23	while	while	SCONJ
fbem-6054	64	24	the	the	DET
fbem-6054	64	25	replacement	replacement	NOUN
fbem-6054	64	26	variable	variable	NOUN
fbem-6054	64	27	𝑑𝑖𝑔𝑖𝑡𝑎𝑙2	𝑑𝑖𝑔𝑖𝑡𝑎𝑙2	NOUN
fbem-6054	64	28	represents	represent	VERB
fbem-6054	64	29	the	the	DET
fbem-6054	64	30	digital	digital	ADJ
fbem-6054	64	31	divide	divide	NOUN
fbem-6054	64	32	of	of	ADP
fbem-6054	64	33	the	the	DET
fbem-6054	64	34	𝑖	𝑖	ADJ
fbem-6054	64	35	household	household	NOUN
fbem-6054	64	36	.	.	PUNCT
fbem-6054	65	1	the	the	DET
fbem-6054	65	2	control	control	NOUN
fbem-6054	65	3	variable	variable	NOUN
fbem-6054	65	4	𝑋	𝑋	PROPN
fbem-6054	65	5	includes	include	VERB
fbem-6054	65	6	personal	personal	ADJ
fbem-6054	65	7	characteristics	characteristic	NOUN
fbem-6054	65	8	,	,	PUNCT
fbem-6054	65	9	household	household	NOUN
fbem-6054	65	10	characteristics	characteristic	NOUN
fbem-6054	65	11	,	,	PUNCT
fbem-6054	65	12	and	and	CCONJ
fbem-6054	65	13	regional	regional	ADJ
fbem-6054	65	14	characteristics	characteristic	NOUN
fbem-6054	65	15	.	.	PUNCT
fbem-6054	66	1	coefficient	coefficient	NOUN
fbem-6054	66	2	estimate	estimate	NOUN
fbem-6054	66	3	is	be	AUX
fbem-6054	66	4	denoted	denote	VERB
fbem-6054	66	5	as	as	ADP
fbem-6054	66	6	𝑎	𝑎	PROPN
fbem-6054	66	7	,	,	PUNCT
fbem-6054	66	8	unobserved	unobserved	ADJ
fbem-6054	66	9	variables	variable	NOUN
fbem-6054	66	10	that	that	PRON
fbem-6054	66	11	do	do	AUX
fbem-6054	66	12	not	not	PART
fbem-6054	66	13	vary	vary	VERB
fbem-6054	66	14	with	with	ADP
fbem-6054	66	15	time	time	NOUN
fbem-6054	66	16	are	be	AUX
fbem-6054	66	17	denoted	denote	VERB
fbem-6054	66	18	as	as	ADP
fbem-6054	66	19	𝐶	𝐶	PROPN
fbem-6054	66	20	,	,	PUNCT
fbem-6054	66	21	and	and	CCONJ
fbem-6054	66	22	the	the	DET
fbem-6054	66	23	residual	residual	ADJ
fbem-6054	66	24	term	term	NOUN
fbem-6054	66	25	is	be	AUX
fbem-6054	66	26	denoted	denote	VERB
fbem-6054	66	27	as	as	ADP
fbem-6054	66	28	𝜇	𝜇	ADP
fbem-6054	66	29	.	.	NOUN
fbem-6054	67	1	4	4	X
fbem-6054	67	2	.	.	NOUN
fbem-6054	67	3	empirical	empirical	ADJ
fbem-6054	67	4	results	result	NOUN
fbem-6054	67	5	and	and	CCONJ
fbem-6054	67	6	analysis	analysis	NOUN
fbem-6054	67	7	4.1	4.1	NUM
fbem-6054	67	8	.	.	PUNCT
fbem-6054	68	1	descriptive	descriptive	ADJ
fbem-6054	68	2	statistics	statistic	NOUN
fbem-6054	68	3	as	as	ADP
fbem-6054	68	4	for	for	ADP
fbem-6054	68	5	the	the	DET
fbem-6054	68	6	control	control	NOUN
fbem-6054	68	7	variables	variable	NOUN
fbem-6054	68	8	,	,	PUNCT
fbem-6054	68	9	the	the	DET
fbem-6054	68	10	sample	sample	NOUN
fbem-6054	68	11	mean	mean	NOUN
fbem-6054	68	12	of	of	ADP
fbem-6054	68	13	age	age	NOUN
fbem-6054	68	14	was	be	AUX
fbem-6054	68	15	55.188	55.188	NUM
fbem-6054	68	16	years	year	NOUN
fbem-6054	68	17	,	,	PUNCT
fbem-6054	68	18	with	with	ADP
fbem-6054	68	19	a	a	DET
fbem-6054	68	20	standard	standard	ADJ
fbem-6054	68	21	deviation	deviation	NOUN
fbem-6054	68	22	of	of	ADP
fbem-6054	68	23	14.186	14.186	NUM
fbem-6054	68	24	;	;	PUNCT
fbem-6054	68	25	the	the	DET
fbem-6054	68	26	mean	mean	NOUN
fbem-6054	68	27	of	of	ADP
fbem-6054	68	28	education	education	NOUN
fbem-6054	68	29	level	level	NOUN
fbem-6054	68	30	was	be	AUX
fbem-6054	68	31	9.362	9.362	NUM
fbem-6054	68	32	years	year	NOUN
fbem-6054	68	33	,	,	PUNCT
fbem-6054	68	34	with	with	ADP
fbem-6054	68	35	a	a	DET
fbem-6054	68	36	standard	standard	ADJ
fbem-6054	68	37	deviation	deviation	NOUN
fbem-6054	68	38	129	129	NUM
fbem-6054	68	39	of	of	ADP
fbem-6054	68	40	4.252	4.252	NUM
fbem-6054	68	41	;	;	PUNCT
fbem-6054	68	42	the	the	DET
fbem-6054	68	43	mean	mean	NOUN
fbem-6054	68	44	of	of	ADP
fbem-6054	68	45	marital	marital	ADJ
fbem-6054	68	46	status	status	NOUN
fbem-6054	68	47	was	be	AUX
fbem-6054	68	48	0.852	0.852	NUM
fbem-6054	68	49	,	,	PUNCT
fbem-6054	68	50	with	with	ADP
fbem-6054	68	51	a	a	DET
fbem-6054	68	52	standard	standard	ADJ
fbem-6054	68	53	deviation	deviation	NOUN
fbem-6054	68	54	of	of	ADP
fbem-6054	68	55	0.355	0.355	NUM
fbem-6054	68	56	;	;	PUNCT
fbem-6054	68	57	the	the	DET
fbem-6054	68	58	mean	mean	NOUN
fbem-6054	68	59	of	of	ADP
fbem-6054	68	60	health	health	NOUN
fbem-6054	68	61	status	status	NOUN
fbem-6054	68	62	was	be	AUX
fbem-6054	68	63	0.476	0.476	NUM
fbem-6054	68	64	,	,	PUNCT
fbem-6054	68	65	with	with	ADP
fbem-6054	68	66	a	a	DET
fbem-6054	68	67	standard	standard	ADJ
fbem-6054	68	68	deviation	deviation	NOUN
fbem-6054	68	69	of	of	ADP
fbem-6054	68	70	0.499	0.499	NUM
fbem-6054	68	71	;	;	PUNCT
fbem-6054	68	72	the	the	DET
fbem-6054	68	73	proportion	proportion	NOUN
fbem-6054	68	74	of	of	ADP
fbem-6054	68	75	households	household	NOUN
fbem-6054	68	76	with	with	ADP
fbem-6054	68	77	a	a	DET
fbem-6054	68	78	preference	preference	NOUN
fbem-6054	68	79	for	for	ADP
fbem-6054	68	80	high	high	ADJ
fbem-6054	68	81	-	-	PUNCT
fbem-6054	68	82	risk	risk	NOUN
fbem-6054	68	83	investments	investment	NOUN
fbem-6054	68	84	was	be	AUX
fbem-6054	68	85	9	9	NUM
fbem-6054	68	86	%	%	NOUN
fbem-6054	68	87	;	;	PUNCT
fbem-6054	68	88	the	the	DET
fbem-6054	68	89	proportion	proportion	NOUN
fbem-6054	68	90	of	of	ADP
fbem-6054	68	91	households	household	NOUN
fbem-6054	68	92	paying	pay	VERB
fbem-6054	68	93	attention	attention	NOUN
fbem-6054	68	94	to	to	ADP
fbem-6054	68	95	financial	financial	ADJ
fbem-6054	68	96	information	information	NOUN
fbem-6054	68	97	was	be	AUX
fbem-6054	68	98	9.9	9.9	NUM
fbem-6054	68	99	%	%	NOUN
fbem-6054	68	100	;	;	PUNCT
fbem-6054	68	101	the	the	DET
fbem-6054	68	102	mean	mean	NOUN
fbem-6054	68	103	of	of	ADP
fbem-6054	68	104	household	household	NOUN
fbem-6054	68	105	size	size	NOUN
fbem-6054	68	106	was	be	AUX
fbem-6054	68	107	3.162	3.162	NUM
fbem-6054	68	108	people	people	NOUN
fbem-6054	68	109	,	,	PUNCT
fbem-6054	68	110	with	with	ADP
fbem-6054	68	111	a	a	DET
fbem-6054	68	112	standard	standard	ADJ
fbem-6054	68	113	deviation	deviation	NOUN
fbem-6054	68	114	of	of	ADP
fbem-6054	68	115	1.543	1.543	NUM
fbem-6054	68	116	;	;	PUNCT
fbem-6054	68	117	the	the	DET
fbem-6054	68	118	proportion	proportion	NOUN
fbem-6054	68	119	of	of	ADP
fbem-6054	68	120	urban	urban	ADJ
fbem-6054	68	121	households	household	NOUN
fbem-6054	68	122	was	be	AUX
fbem-6054	68	123	68.2	68.2	NUM
fbem-6054	68	124	%	%	NOUN
fbem-6054	68	125	;	;	PUNCT
fbem-6054	68	126	the	the	DET
fbem-6054	68	127	mean	mean	NOUN
fbem-6054	68	128	of	of	ADP
fbem-6054	68	129	household	household	NOUN
fbem-6054	68	130	net	net	ADJ
fbem-6054	68	131	assets	asset	NOUN
fbem-6054	68	132	was	be	AUX
fbem-6054	68	133	1000848	1000848	NUM
fbem-6054	68	134	yuan	yuan	NOUN
fbem-6054	68	135	;	;	PUNCT
fbem-6054	68	136	and	and	CCONJ
fbem-6054	68	137	the	the	DET
fbem-6054	68	138	mean	mean	NOUN
fbem-6054	68	139	of	of	ADP
fbem-6054	68	140	household	household	NOUN
fbem-6054	68	141	income	income	NOUN
fbem-6054	68	142	was	be	AUX
fbem-6054	68	143	90958	90958	NUM
fbem-6054	68	144	yuan	yuan	NOUN
fbem-6054	68	145	.	.	PUNCT
fbem-6054	69	1	additionally	additionally	ADV
fbem-6054	69	2	,	,	PUNCT
fbem-6054	69	3	there	there	PRON
fbem-6054	69	4	were	be	VERB
fbem-6054	69	5	significant	significant	ADJ
fbem-6054	69	6	differences	difference	NOUN
fbem-6054	69	7	in	in	ADP
fbem-6054	69	8	economic	economic	ADJ
fbem-6054	69	9	and	and	CCONJ
fbem-6054	69	10	financial	financial	ADJ
fbem-6054	69	11	development	development	NOUN
fbem-6054	69	12	levels	level	NOUN
fbem-6054	69	13	among	among	ADP
fbem-6054	69	14	different	different	ADJ
fbem-6054	69	15	regions	region	NOUN
fbem-6054	69	16	.	.	PUNCT
fbem-6054	70	1	table	table	NOUN
fbem-6054	70	2	1	1	NUM
fbem-6054	70	3	.	.	PUNCT
fbem-6054	70	4	descriptive	descriptive	ADJ
fbem-6054	70	5	statistics	statistic	NOUN
fbem-6054	70	6	of	of	ADP
fbem-6054	70	7	the	the	DET
fbem-6054	70	8	variables	variable	NOUN
fbem-6054	70	9	variables	variable	VERB
fbem-6054	70	10	sample	sample	NOUN
fbem-6054	70	11	size	size	NOUN
fbem-6054	70	12	average	average	ADJ
fbem-6054	70	13	value	value	NOUN
fbem-6054	70	14	standard	standard	ADJ
fbem-6054	70	15	deviation	deviation	NOUN
fbem-6054	70	16	minimum	minimum	NOUN
fbem-6054	70	17	value	value	NOUN
fbem-6054	70	18	maximum	maximum	ADJ
fbem-6054	70	19	value	value	NOUN
fbem-6054	70	20	digital	digital	ADJ
fbem-6054	70	21	divide	divide	NOUN
fbem-6054	70	22	38442	38442	NUM
fbem-6054	70	23	0.549	0.549	NUM
fbem-6054	70	24	0.498	0.498	NUM
fbem-6054	70	25	0	0	NUM
fbem-6054	70	26	1	1	NUM
fbem-6054	70	27	low	low	ADJ
fbem-6054	70	28	risk	risk	NOUN
fbem-6054	70	29	market	market	NOUN
fbem-6054	70	30	participation	participation	NOUN
fbem-6054	70	31	38442	38442	NUM
fbem-6054	70	32	0.910	0.910	NUM
fbem-6054	70	33	0.287	0.287	NUM
fbem-6054	70	34	0	0	NUM
fbem-6054	70	35	1	1	NUM
fbem-6054	70	36	high	high	ADJ
fbem-6054	70	37	-	-	PUNCT
fbem-6054	70	38	risk	risk	NOUN
fbem-6054	70	39	market	market	NOUN
fbem-6054	70	40	participation	participation	NOUN
fbem-6054	70	41	38442	38442	NUM
fbem-6054	70	42	0.085	0.085	NUM
fbem-6054	70	43	0.279	0.279	NUM
fbem-6054	70	44	0	0	NUM
fbem-6054	70	45	1	1	NUM
fbem-6054	70	46	financial	financial	ADJ
fbem-6054	70	47	market	market	NOUN
fbem-6054	70	48	participation	participation	NOUN
fbem-6054	70	49	38442	38442	NUM
fbem-6054	70	50	0.914	0.914	NUM
fbem-6054	70	51	0.280	0.280	NUM
fbem-6054	70	52	0	0	SYM
fbem-6054	70	53	1	1	NUM
fbem-6054	70	54	education	education	NOUN
fbem-6054	70	55	level	level	NOUN
fbem-6054	70	56	38442	38442	NUM
fbem-6054	70	57	9.362	9.362	NUM
fbem-6054	70	58	4.253	4.253	NUM
fbem-6054	70	59	0	0	NUM
fbem-6054	70	60	22	22	NUM
fbem-6054	70	61	male	male	NOUN
fbem-6054	70	62	38442	38442	NUM
fbem-6054	70	63	0.794	0.794	NUM
fbem-6054	70	64	0.405	0.405	NUM
fbem-6054	70	65	0	0	NUM
fbem-6054	70	66	1	1	NUM
fbem-6054	70	67	age	age	NOUN
fbem-6054	70	68	38442	38442	NUM
fbem-6054	70	69	55.188	55.188	NUM
fbem-6054	70	70	14.186	14.186	NUM
fbem-6054	70	71	18	18	NUM
fbem-6054	70	72	117	117	NUM
fbem-6054	70	73	health	health	NOUN
fbem-6054	70	74	status	status	NOUN
fbem-6054	70	75	38442	38442	NUM
fbem-6054	70	76	0.476	0.476	NUM
fbem-6054	70	77	0.499	0.499	NUM
fbem-6054	70	78	0	0	NUM
fbem-6054	70	79	1	1	NUM
fbem-6054	70	80	marital	marital	ADJ
fbem-6054	70	81	status	status	NOUN
fbem-6054	70	82	38442	38442	NUM
fbem-6054	70	83	0.852	0.852	NUM
fbem-6054	70	84	0.355	0.355	NUM
fbem-6054	70	85	0	0	SYM
fbem-6054	70	86	1	1	NUM
fbem-6054	70	87	personal	personal	ADJ
fbem-6054	70	88	risk	risk	NOUN
fbem-6054	70	89	appetite	appetite	NOUN
fbem-6054	70	90	38442	38442	NUM
fbem-6054	70	91	0.090	0.090	NUM
fbem-6054	70	92	0.287	0.287	NUM
fbem-6054	70	93	0	0	NUM
fbem-6054	70	94	1	1	NUM
fbem-6054	70	95	level	level	NOUN
fbem-6054	70	96	of	of	ADP
fbem-6054	70	97	financial	financial	ADJ
fbem-6054	70	98	information	information	NOUN
fbem-6054	70	99	concern	concern	NOUN
fbem-6054	70	100	38442	38442	NUM
fbem-6054	70	101	0.099	0.099	NUM
fbem-6054	70	102	0.299	0.299	NUM
fbem-6054	70	103	0	0	NUM
fbem-6054	70	104	1	1	NUM
fbem-6054	70	105	family	family	NOUN
fbem-6054	70	106	size	size	NOUN
fbem-6054	70	107	38442	38442	NUM
fbem-6054	70	108	3.162	3.162	NUM
fbem-6054	70	109	1.543	1.543	NUM
fbem-6054	70	110	1	1	NUM
fbem-6054	70	111	15	15	NUM
fbem-6054	70	112	city	city	NOUN
fbem-6054	70	113	38442	38442	NUM
fbem-6054	70	114	0.682	0.682	NUM
fbem-6054	70	115	0.466	0.466	NUM
fbem-6054	70	116	0	0	NUM
fbem-6054	70	117	1	1	NUM
fbem-6054	70	118	household	household	NOUN
fbem-6054	70	119	net	net	NOUN
fbem-6054	70	120	worth	worth	ADJ
fbem-6054	70	121	38442	38442	NUM
fbem-6054	70	122	1000848.411	1000848.411	NUM
fbem-6054	71	1	1721758.256	1721758.256	NUM
fbem-6054	71	2	-80227.000	-80227.000	NUM
fbem-6054	71	3	9794016.000	9794016.000	NUM
fbem-6054	71	4	household	household	NOUN
fbem-6054	71	5	income	income	NOUN
fbem-6054	71	6	38442	38442	NUM
fbem-6054	71	7	90958.220	90958.220	NUM
fbem-6054	71	8	128555.532	128555.532	NUM
fbem-6054	71	9	-17097.322	-17097.322	SYM
fbem-6054	71	10	1096070.000	1096070.000	NUM
fbem-6054	71	11	gdp	gdp	NOUN
fbem-6054	71	12	38442	38442	NUM
fbem-6054	71	13	35932.440	35932.440	NUM
fbem-6054	71	14	24411.723	24411.723	NUM
fbem-6054	71	15	2624.830	2624.830	NUM
fbem-6054	71	16	89705.230	89705.230	NUM
fbem-6054	71	17	4.2	4.2	NUM
fbem-6054	71	18	.	.	PUNCT
fbem-6054	72	1	baseline	baseline	PROPN
fbem-6054	72	2	estimation	estimation	NOUN
fbem-6054	72	3	results	result	NOUN
fbem-6054	72	4	and	and	CCONJ
fbem-6054	72	5	analysis	analysis	NOUN
fbem-6054	72	6	this	this	DET
fbem-6054	72	7	study	study	NOUN
fbem-6054	72	8	examines	examine	VERB
fbem-6054	72	9	the	the	DET
fbem-6054	72	10	impact	impact	NOUN
fbem-6054	72	11	of	of	ADP
fbem-6054	72	12	the	the	DET
fbem-6054	72	13	digital	digital	ADJ
fbem-6054	72	14	divide	divide	NOUN
fbem-6054	72	15	on	on	ADP
fbem-6054	72	16	financial	financial	ADJ
fbem-6054	72	17	market	market	NOUN
fbem-6054	72	18	participation	participation	NOUN
fbem-6054	72	19	.	.	PUNCT
fbem-6054	73	1	the	the	DET
fbem-6054	73	2	empirical	empirical	ADJ
fbem-6054	73	3	results	result	NOUN
fbem-6054	73	4	of	of	ADP
fbem-6054	73	5	model	model	NOUN
fbem-6054	73	6	(	(	PUNCT
fbem-6054	73	7	1	1	X
fbem-6054	73	8	)	)	PUNCT
fbem-6054	73	9	are	be	AUX
fbem-6054	73	10	presented	present	VERB
fbem-6054	73	11	in	in	ADP
fbem-6054	73	12	table	table	NOUN
fbem-6054	73	13	2	2	NUM
fbem-6054	73	14	.	.	PUNCT
fbem-6054	74	1	the	the	DET
fbem-6054	74	2	first	first	ADJ
fbem-6054	74	3	column	column	NOUN
fbem-6054	74	4	estimates	estimate	VERB
fbem-6054	74	5	the	the	DET
fbem-6054	74	6	effect	effect	NOUN
fbem-6054	74	7	of	of	ADP
fbem-6054	74	8	the	the	DET
fbem-6054	74	9	digital	digital	ADJ
fbem-6054	74	10	divide	divide	NOUN
fbem-6054	74	11	on	on	ADP
fbem-6054	74	12	financial	financial	ADJ
fbem-6054	74	13	market	market	NOUN
fbem-6054	74	14	participation	participation	NOUN
fbem-6054	74	15	using	use	VERB
fbem-6054	74	16	a	a	DET
fbem-6054	74	17	linear	linear	ADJ
fbem-6054	74	18	regression	regression	NOUN
fbem-6054	74	19	model	model	NOUN
fbem-6054	74	20	,	,	PUNCT
fbem-6054	74	21	while	while	SCONJ
fbem-6054	74	22	the	the	DET
fbem-6054	74	23	second	second	ADJ
fbem-6054	74	24	and	and	CCONJ
fbem-6054	74	25	third	third	ADJ
fbem-6054	74	26	columns	column	NOUN
fbem-6054	74	27	estimate	estimate	VERB
fbem-6054	74	28	the	the	DET
fbem-6054	74	29	effects	effect	NOUN
fbem-6054	74	30	of	of	ADP
fbem-6054	74	31	the	the	DET
fbem-6054	74	32	digital	digital	ADJ
fbem-6054	74	33	divide	divide	NOUN
fbem-6054	74	34	on	on	ADP
fbem-6054	74	35	low	low	ADJ
fbem-6054	74	36	-	-	PUNCT
fbem-6054	74	37	risk	risk	NOUN
fbem-6054	74	38	and	and	CCONJ
fbem-6054	74	39	high	high	ADJ
fbem-6054	74	40	-	-	PUNCT
fbem-6054	74	41	risk	risk	NOUN
fbem-6054	74	42	financial	financial	ADJ
fbem-6054	74	43	market	market	NOUN
fbem-6054	74	44	participation	participation	NOUN
fbem-6054	74	45	,	,	PUNCT
fbem-6054	74	46	respectively	respectively	ADV
fbem-6054	74	47	.	.	PUNCT
fbem-6054	75	1	based	base	VERB
fbem-6054	75	2	on	on	ADP
fbem-6054	75	3	the	the	DET
fbem-6054	75	4	first	first	ADJ
fbem-6054	75	5	column	column	NOUN
fbem-6054	75	6	,	,	PUNCT
fbem-6054	75	7	the	the	DET
fbem-6054	75	8	marginal	marginal	ADJ
fbem-6054	75	9	effect	effect	NOUN
fbem-6054	75	10	of	of	ADP
fbem-6054	75	11	the	the	DET
fbem-6054	75	12	digital	digital	ADJ
fbem-6054	75	13	divide	divide	NOUN
fbem-6054	75	14	on	on	ADP
fbem-6054	75	15	financial	financial	ADJ
fbem-6054	75	16	market	market	NOUN
fbem-6054	75	17	participation	participation	NOUN
fbem-6054	75	18	is	be	AUX
fbem-6054	75	19	0.061	0.061	NUM
fbem-6054	75	20	,	,	PUNCT
fbem-6054	75	21	which	which	PRON
fbem-6054	75	22	is	be	AUX
fbem-6054	75	23	significant	significant	ADJ
fbem-6054	75	24	at	at	ADP
fbem-6054	75	25	the	the	DET
fbem-6054	75	26	1	1	NUM
fbem-6054	75	27	%	%	NOUN
fbem-6054	75	28	level	level	NOUN
fbem-6054	75	29	.	.	PUNCT
fbem-6054	76	1	this	this	PRON
fbem-6054	76	2	implies	imply	VERB
fbem-6054	76	3	that	that	SCONJ
fbem-6054	76	4	households	household	NOUN
fbem-6054	76	5	with	with	ADP
fbem-6054	76	6	a	a	DET
fbem-6054	76	7	digital	digital	ADJ
fbem-6054	76	8	divide	divide	NOUN
fbem-6054	76	9	are	be	AUX
fbem-6054	76	10	6.1	6.1	NUM
fbem-6054	76	11	%	%	NOUN
fbem-6054	76	12	less	less	ADV
fbem-6054	76	13	likely	likely	ADJ
fbem-6054	76	14	to	to	PART
fbem-6054	76	15	participate	participate	VERB
fbem-6054	76	16	in	in	ADP
fbem-6054	76	17	financial	financial	ADJ
fbem-6054	76	18	markets	market	NOUN
fbem-6054	76	19	.	.	PUNCT
fbem-6054	77	1	based	base	VERB
fbem-6054	77	2	on	on	ADP
fbem-6054	77	3	the	the	DET
fbem-6054	77	4	second	second	ADJ
fbem-6054	77	5	and	and	CCONJ
fbem-6054	77	6	third	third	ADJ
fbem-6054	77	7	columns	column	NOUN
fbem-6054	77	8	,	,	PUNCT
fbem-6054	77	9	the	the	DET
fbem-6054	77	10	marginal	marginal	ADJ
fbem-6054	77	11	effects	effect	NOUN
fbem-6054	77	12	of	of	ADP
fbem-6054	77	13	the	the	DET
fbem-6054	77	14	digital	digital	ADJ
fbem-6054	77	15	divide	divide	NOUN
fbem-6054	77	16	on	on	ADP
fbem-6054	77	17	low	low	ADJ
fbem-6054	77	18	-	-	PUNCT
fbem-6054	77	19	risk	risk	NOUN
fbem-6054	77	20	and	and	CCONJ
fbem-6054	77	21	high	high	ADJ
fbem-6054	77	22	-	-	PUNCT
fbem-6054	77	23	risk	risk	NOUN
fbem-6054	77	24	financial	financial	ADJ
fbem-6054	77	25	market	market	NOUN
fbem-6054	77	26	participation	participation	NOUN
fbem-6054	77	27	are	be	AUX
fbem-6054	77	28	0.064	0.064	NUM
fbem-6054	77	29	and	and	CCONJ
fbem-6054	77	30	0.081	0.081	NUM
fbem-6054	77	31	,	,	PUNCT
fbem-6054	77	32	respectively	respectively	ADV
fbem-6054	77	33	,	,	PUNCT
fbem-6054	77	34	both	both	CCONJ
fbem-6054	77	35	significant	significant	ADJ
fbem-6054	77	36	at	at	ADP
fbem-6054	77	37	the	the	DET
fbem-6054	77	38	1	1	NUM
fbem-6054	77	39	%	%	NOUN
fbem-6054	77	40	level	level	NOUN
fbem-6054	77	41	.	.	PUNCT
fbem-6054	78	1	this	this	PRON
fbem-6054	78	2	suggests	suggest	VERB
fbem-6054	78	3	that	that	SCONJ
fbem-6054	78	4	households	household	NOUN
fbem-6054	78	5	with	with	ADP
fbem-6054	78	6	a	a	DET
fbem-6054	78	7	digital	digital	ADJ
fbem-6054	78	8	divide	divide	NOUN
fbem-6054	78	9	are	be	AUX
fbem-6054	78	10	6.4	6.4	NUM
fbem-6054	78	11	%	%	NOUN
fbem-6054	78	12	and	and	CCONJ
fbem-6054	78	13	8.1	8.1	NUM
fbem-6054	78	14	%	%	NOUN
fbem-6054	78	15	less	less	ADV
fbem-6054	78	16	likely	likely	ADJ
fbem-6054	78	17	to	to	PART
fbem-6054	78	18	participate	participate	VERB
fbem-6054	78	19	in	in	ADP
fbem-6054	78	20	low	low	ADJ
fbem-6054	78	21	-	-	PUNCT
fbem-6054	78	22	risk	risk	NOUN
fbem-6054	78	23	and	and	CCONJ
fbem-6054	78	24	high	high	ADJ
fbem-6054	78	25	-	-	PUNCT
fbem-6054	78	26	risk	risk	NOUN
fbem-6054	78	27	financial	financial	ADJ
fbem-6054	78	28	markets	market	NOUN
fbem-6054	78	29	,	,	PUNCT
fbem-6054	78	30	respectively	respectively	ADV
fbem-6054	78	31	.	.	PUNCT
fbem-6054	79	1	the	the	DET
fbem-6054	79	2	results	result	NOUN
fbem-6054	79	3	from	from	ADP
fbem-6054	79	4	table	table	NOUN
fbem-6054	79	5	2	2	NUM
fbem-6054	79	6	indicate	indicate	VERB
fbem-6054	79	7	that	that	SCONJ
fbem-6054	79	8	the	the	DET
fbem-6054	79	9	digital	digital	ADJ
fbem-6054	79	10	divide	divide	NOUN
fbem-6054	79	11	significantly	significantly	ADV
fbem-6054	79	12	reduces	reduce	VERB
fbem-6054	79	13	the	the	DET
fbem-6054	79	14	likelihood	likelihood	NOUN
fbem-6054	79	15	of	of	ADP
fbem-6054	79	16	household	household	NOUN
fbem-6054	79	17	participation	participation	NOUN
fbem-6054	79	18	in	in	ADP
fbem-6054	79	19	financial	financial	ADJ
fbem-6054	79	20	markets	market	NOUN
fbem-6054	79	21	.	.	PUNCT
fbem-6054	80	1	[	[	X
fbem-6054	80	2	5]this	5]this	PRON
fbem-6054	80	3	may	may	AUX
fbem-6054	80	4	be	be	AUX
fbem-6054	80	5	due	due	ADJ
fbem-6054	80	6	to	to	ADP
fbem-6054	80	7	the	the	DET
fbem-6054	80	8	decrease	decrease	NOUN
fbem-6054	80	9	in	in	ADP
fbem-6054	80	10	household	household	NOUN
fbem-6054	80	11	income	income	NOUN
fbem-6054	80	12	that	that	PRON
fbem-6054	80	13	is	be	AUX
fbem-6054	80	14	associated	associate	VERB
fbem-6054	80	15	with	with	ADP
fbem-6054	80	16	the	the	DET
fbem-6054	80	17	digital	digital	ADJ
fbem-6054	80	18	divide	divide	NOUN
fbem-6054	80	19	(	(	PUNCT
fbem-6054	80	20	yin	yin	PROPN
fbem-6054	80	21	et	et	PROPN
fbem-6054	80	22	al	al	PROPN
fbem-6054	80	23	.	.	PROPN
fbem-6054	80	24	,	,	PUNCT
fbem-6054	80	25	2021	2021	NUM
fbem-6054	80	26	)	)	PUNCT
fbem-6054	80	27	.	.	PUNCT
fbem-6054	81	1	next	next	ADV
fbem-6054	81	2	,	,	PUNCT
fbem-6054	81	3	we	we	PRON
fbem-6054	81	4	conducted	conduct	VERB
fbem-6054	81	5	an	an	DET
fbem-6054	81	6	analysis	analysis	NOUN
fbem-6054	81	7	on	on	ADP
fbem-6054	81	8	some	some	DET
fbem-6054	81	9	control	control	NOUN
fbem-6054	81	10	variables	variable	NOUN
fbem-6054	81	11	.	.	PUNCT
fbem-6054	82	1	the	the	DET
fbem-6054	82	2	marginal	marginal	ADJ
fbem-6054	82	3	effects	effect	NOUN
fbem-6054	82	4	of	of	ADP
fbem-6054	82	5	gender	gender	NOUN
fbem-6054	82	6	on	on	ADP
fbem-6054	82	7	financial	financial	ADJ
fbem-6054	82	8	market	market	NOUN
fbem-6054	82	9	participation	participation	NOUN
fbem-6054	82	10	were	be	AUX
fbem-6054	82	11	0.016	0.016	NUM
fbem-6054	82	12	,	,	PUNCT
fbem-6054	82	13	0.015	0.015	NUM
fbem-6054	82	14	,	,	PUNCT
fbem-6054	82	15	and	and	CCONJ
fbem-6054	82	16	-0.020	-0.020	PROPN
fbem-6054	82	17	,	,	PUNCT
fbem-6054	82	18	significant	significant	ADJ
fbem-6054	82	19	at	at	ADP
fbem-6054	82	20	the	the	DET
fbem-6054	82	21	1	1	NUM
fbem-6054	82	22	%	%	NOUN
fbem-6054	82	23	confidence	confidence	NOUN
fbem-6054	82	24	level	level	NOUN
fbem-6054	82	25	.	.	PUNCT
fbem-6054	83	1	this	this	PRON
fbem-6054	83	2	suggests	suggest	VERB
fbem-6054	83	3	that	that	SCONJ
fbem-6054	83	4	males	male	NOUN
fbem-6054	83	5	are	be	AUX
fbem-6054	83	6	more	more	ADV
fbem-6054	83	7	inclined	inclined	ADJ
fbem-6054	83	8	to	to	PART
fbem-6054	83	9	participate	participate	VERB
fbem-6054	83	10	in	in	ADP
fbem-6054	83	11	low	low	ADJ
fbem-6054	83	12	-	-	PUNCT
fbem-6054	83	13	risk	risk	NOUN
fbem-6054	83	14	financial	financial	ADJ
fbem-6054	83	15	markets	market	NOUN
fbem-6054	83	16	,	,	PUNCT
fbem-6054	83	17	while	while	SCONJ
fbem-6054	83	18	females	female	NOUN
fbem-6054	83	19	tend	tend	VERB
fbem-6054	83	20	to	to	PART
fbem-6054	83	21	participate	participate	VERB
fbem-6054	83	22	in	in	ADP
fbem-6054	83	23	high	high	ADJ
fbem-6054	83	24	-	-	PUNCT
fbem-6054	83	25	risk	risk	NOUN
fbem-6054	83	26	financial	financial	ADJ
fbem-6054	83	27	markets	market	NOUN
fbem-6054	83	28	.	.	PUNCT
fbem-6054	84	1	education	education	NOUN
fbem-6054	84	2	level	level	NOUN
fbem-6054	84	3	had	have	VERB
fbem-6054	84	4	a	a	DET
fbem-6054	84	5	positive	positive	ADJ
fbem-6054	84	6	and	and	CCONJ
fbem-6054	84	7	significant	significant	ADJ
fbem-6054	84	8	impact	impact	NOUN
fbem-6054	84	9	on	on	ADP
fbem-6054	84	10	financial	financial	ADJ
fbem-6054	84	11	market	market	NOUN
fbem-6054	84	12	participation	participation	NOUN
fbem-6054	84	13	.	.	PUNCT
fbem-6054	85	1	this	this	PRON
fbem-6054	85	2	indicates	indicate	VERB
fbem-6054	85	3	that	that	SCONJ
fbem-6054	85	4	individuals	individual	NOUN
fbem-6054	85	5	with	with	ADP
fbem-6054	85	6	higher	high	ADJ
fbem-6054	85	7	education	education	NOUN
fbem-6054	85	8	levels	level	NOUN
fbem-6054	85	9	possess	possess	VERB
fbem-6054	85	10	more	more	ADJ
fbem-6054	85	11	financial	financial	ADJ
fbem-6054	85	12	knowledge	knowledge	NOUN
fbem-6054	85	13	and	and	CCONJ
fbem-6054	85	14	have	have	VERB
fbem-6054	85	15	greater	great	ADJ
fbem-6054	85	16	ability	ability	NOUN
fbem-6054	85	17	and	and	CCONJ
fbem-6054	85	18	capital	capital	NOUN
fbem-6054	85	19	to	to	PART
fbem-6054	85	20	invest	invest	VERB
fbem-6054	85	21	in	in	ADP
fbem-6054	85	22	financial	financial	ADJ
fbem-6054	85	23	markets	market	NOUN
fbem-6054	85	24	,	,	PUNCT
fbem-6054	85	25	which	which	PRON
fbem-6054	85	26	is	be	AUX
fbem-6054	85	27	consistent	consistent	ADJ
fbem-6054	85	28	with	with	ADP
fbem-6054	85	29	the	the	DET
fbem-6054	85	30	findings	finding	NOUN
fbem-6054	85	31	of	of	ADP
fbem-6054	85	32	zhou	zhou	PROPN
fbem-6054	85	33	et	et	PROPN
fbem-6054	85	34	al	al	PROPN
fbem-6054	85	35	.	.	PROPN
fbem-6054	86	1	(	(	PUNCT
fbem-6054	86	2	2019	2019	NUM
fbem-6054	86	3	)	)	PUNCT
fbem-6054	86	4	and	and	CCONJ
fbem-6054	86	5	zhang	zhang	PROPN
fbem-6054	86	6	&	&	CCONJ
fbem-6054	86	7	lu	lu	PROPN
fbem-6054	86	8	(	(	PUNCT
fbem-6054	86	9	2021	2021	NUM
fbem-6054	86	10	)	)	PUNCT
fbem-6054	86	11	.	.	PUNCT
fbem-6054	87	1	the	the	DET
fbem-6054	87	2	marginal	marginal	ADJ
fbem-6054	87	3	effect	effect	NOUN
fbem-6054	87	4	of	of	ADP
fbem-6054	87	5	financial	financial	ADJ
fbem-6054	87	6	information	information	NOUN
fbem-6054	87	7	attention	attention	NOUN
fbem-6054	87	8	on	on	ADP
fbem-6054	87	9	financial	financial	ADJ
fbem-6054	87	10	market	market	NOUN
fbem-6054	87	11	participation	participation	NOUN
fbem-6054	87	12	was	be	AUX
fbem-6054	87	13	0.010	0.010	NUM
fbem-6054	87	14	,	,	PUNCT
fbem-6054	87	15	significant	significant	ADJ
fbem-6054	87	16	at	at	ADP
fbem-6054	87	17	the	the	DET
fbem-6054	87	18	1	1	NUM
fbem-6054	87	19	%	%	NOUN
fbem-6054	87	20	confidence	confidence	NOUN
fbem-6054	87	21	level	level	NOUN
fbem-6054	87	22	.	.	PUNCT
fbem-6054	88	1	this	this	PRON
fbem-6054	88	2	implies	imply	VERB
fbem-6054	88	3	that	that	SCONJ
fbem-6054	88	4	increasing	increase	VERB
fbem-6054	88	5	financial	financial	ADJ
fbem-6054	88	6	information	information	NOUN
fbem-6054	88	7	attention	attention	NOUN
fbem-6054	88	8	can	can	AUX
fbem-6054	88	9	significantly	significantly	ADV
fbem-6054	88	10	improve	improve	VERB
fbem-6054	88	11	the	the	DET
fbem-6054	88	12	likelihood	likelihood	NOUN
fbem-6054	88	13	of	of	ADP
fbem-6054	88	14	household	household	NOUN
fbem-6054	88	15	participation	participation	NOUN
fbem-6054	88	16	in	in	ADP
fbem-6054	88	17	financial	financial	ADJ
fbem-6054	88	18	markets	market	NOUN
fbem-6054	88	19	.	.	PUNCT
fbem-6054	89	1	the	the	DET
fbem-6054	89	2	marginal	marginal	ADJ
fbem-6054	89	3	effect	effect	NOUN
fbem-6054	89	4	of	of	ADP
fbem-6054	89	5	household	household	NOUN
fbem-6054	89	6	net	net	ADJ
fbem-6054	89	7	assets	asset	NOUN
fbem-6054	89	8	on	on	ADP
fbem-6054	89	9	financial	financial	ADJ
fbem-6054	89	10	market	market	NOUN
fbem-6054	89	11	participation	participation	NOUN
fbem-6054	89	12	was	be	AUX
fbem-6054	89	13	0.005	0.005	NUM
fbem-6054	89	14	,	,	PUNCT
fbem-6054	89	15	significant	significant	ADJ
fbem-6054	89	16	at	at	ADP
fbem-6054	89	17	the	the	DET
fbem-6054	89	18	1	1	NUM
fbem-6054	89	19	%	%	NOUN
fbem-6054	89	20	confidence	confidence	NOUN
fbem-6054	89	21	level	level	NOUN
fbem-6054	89	22	.	.	PUNCT
fbem-6054	90	1	this	this	PRON
fbem-6054	90	2	suggests	suggest	VERB
fbem-6054	90	3	that	that	SCONJ
fbem-6054	90	4	an	an	DET
fbem-6054	90	5	increase	increase	NOUN
fbem-6054	90	6	in	in	ADP
fbem-6054	90	7	net	net	ADJ
fbem-6054	90	8	assets	asset	NOUN
fbem-6054	90	9	can	can	AUX
fbem-6054	90	10	significantly	significantly	ADV
fbem-6054	90	11	increase	increase	VERB
fbem-6054	90	12	the	the	DET
fbem-6054	90	13	likelihood	likelihood	NOUN
fbem-6054	90	14	of	of	ADP
fbem-6054	90	15	household	household	NOUN
fbem-6054	90	16	participation	participation	NOUN
fbem-6054	90	17	in	in	ADP
fbem-6054	90	18	financial	financial	ADJ
fbem-6054	90	19	markets	market	NOUN
fbem-6054	90	20	.	.	PUNCT
fbem-6054	91	1	moreover	moreover	ADV
fbem-6054	91	2	,	,	PUNCT
fbem-6054	91	3	the	the	DET
fbem-6054	91	4	regional	regional	ADJ
fbem-6054	91	5	economic	economic	ADJ
fbem-6054	91	6	development	development	NOUN
fbem-6054	91	7	level	level	NOUN
fbem-6054	91	8	had	have	VERB
fbem-6054	91	9	a	a	DET
fbem-6054	91	10	significant	significant	ADJ
fbem-6054	91	11	positive	positive	ADJ
fbem-6054	91	12	impact	impact	NOUN
fbem-6054	91	13	on	on	ADP
fbem-6054	91	14	household	household	NOUN
fbem-6054	91	15	participation	participation	NOUN
fbem-6054	91	16	in	in	ADP
fbem-6054	91	17	financial	financial	ADJ
fbem-6054	91	18	markets	market	NOUN
fbem-6054	91	19	,	,	PUNCT
fbem-6054	91	20	which	which	PRON
fbem-6054	91	21	is	be	AUX
fbem-6054	91	22	in	in	ADP
fbem-6054	91	23	line	line	NOUN
fbem-6054	91	24	with	with	ADP
fbem-6054	91	25	expectations	expectation	NOUN
fbem-6054	91	26	.	.	PUNCT
fbem-6054	92	1	130	130	NUM
fbem-6054	92	2	table	table	NOUN
fbem-6054	92	3	2	2	NUM
fbem-6054	92	4	.	.	PUNCT
fbem-6054	92	5	baseline	baseline	PROPN
fbem-6054	92	6	regression	regression	NOUN
fbem-6054	92	7	results	result	NOUN
fbem-6054	92	8	(	(	PUNCT
fbem-6054	92	9	1	1	NUM
fbem-6054	92	10	)	)	PUNCT
fbem-6054	92	11	(	(	PUNCT
fbem-6054	92	12	2	2	NUM
fbem-6054	92	13	)	)	PUNCT
fbem-6054	92	14	(	(	PUNCT
fbem-6054	92	15	3	3	X
fbem-6054	92	16	)	)	PUNCT
fbem-6054	92	17	variables	variable	VERB
fbem-6054	92	18	financial	financial	ADJ
fbem-6054	92	19	market	market	NOUN
fbem-6054	92	20	participation	participation	NOUN
fbem-6054	92	21	ols	ol	NOUN
fbem-6054	92	22	low	low	ADJ
fbem-6054	92	23	risk	risk	NOUN
fbem-6054	92	24	market	market	NOUN
fbem-6054	92	25	participation	participation	NOUN
fbem-6054	92	26	ols	ol	NOUN
fbem-6054	92	27	high	high	ADJ
fbem-6054	92	28	risk	risk	NOUN
fbem-6054	92	29	market	market	NOUN
fbem-6054	92	30	participation	participation	NOUN
fbem-6054	92	31	ols	ol	NOUN
fbem-6054	92	32	digital	digital	ADJ
fbem-6054	92	33	divide	divide	NOUN
fbem-6054	92	34	-0.061	-0.061	PROPN
fbem-6054	92	35	*	*	PUNCT
fbem-6054	92	36	*	*	PUNCT
fbem-6054	92	37	*	*	PUNCT
fbem-6054	92	38	-0.064	-0.064	NOUN
fbem-6054	92	39	*	*	PUNCT
fbem-6054	92	40	*	*	PUNCT
fbem-6054	92	41	*	*	PUNCT
fbem-6054	92	42	-0.081	-0.081	PUNCT
fbem-6054	92	43	*	*	PUNCT
fbem-6054	92	44	*	*	PUNCT
fbem-6054	92	45	*	*	PUNCT
fbem-6054	92	46	(	(	PUNCT
fbem-6054	92	47	0.003	0.003	NUM
fbem-6054	92	48	)	)	PUNCT
fbem-6054	92	49	(	(	PUNCT
fbem-6054	92	50	0.003	0.003	NUM
fbem-6054	92	51	)	)	PUNCT
fbem-6054	92	52	(	(	PUNCT
fbem-6054	92	53	0.003	0.003	NUM
fbem-6054	92	54	)	)	PUNCT
fbem-6054	92	55	male	male	NOUN
fbem-6054	92	56	0.016	0.016	NUM
fbem-6054	92	57	*	*	PUNCT
fbem-6054	92	58	*	*	PUNCT
fbem-6054	92	59	*	*	PUNCT
fbem-6054	93	1	0.015	0.015	NUM
fbem-6054	93	2	*	*	PUNCT
fbem-6054	93	3	*	*	PUNCT
fbem-6054	93	4	*	*	PUNCT
fbem-6054	93	5	-0.020	-0.020	NOUN
fbem-6054	93	6	*	*	PUNCT
fbem-6054	93	7	*	*	PUNCT
fbem-6054	93	8	*	*	PUNCT
fbem-6054	93	9	(	(	PUNCT
fbem-6054	93	10	0.004	0.004	NUM
fbem-6054	93	11	)	)	PUNCT
fbem-6054	93	12	(	(	PUNCT
fbem-6054	93	13	0.004	0.004	NUM
fbem-6054	93	14	)	)	PUNCT
fbem-6054	93	15	(	(	PUNCT
fbem-6054	93	16	0.004	0.004	NUM
fbem-6054	93	17	)	)	PUNCT
fbem-6054	93	18	age	age	NOUN
fbem-6054	93	19	squared	square	VERB
fbem-6054	93	20	-0.001	-0.001	NOUN
fbem-6054	93	21	*	*	PUNCT
fbem-6054	93	22	*	*	PUNCT
fbem-6054	93	23	*	*	PUNCT
fbem-6054	93	24	-0.0010	-0.0010	NOUN
fbem-6054	93	25	*	*	PUNCT
fbem-6054	94	1	*	*	PUNCT
fbem-6054	94	2	*	*	PUNCT
fbem-6054	94	3	0.001	0.001	NUM
fbem-6054	94	4	*	*	PUNCT
fbem-6054	94	5	*	*	PUNCT
fbem-6054	94	6	*	*	PUNCT
fbem-6054	94	7	(	(	PUNCT
fbem-6054	94	8	0.000	0.000	NUM
fbem-6054	94	9	)	)	PUNCT
fbem-6054	94	10	(	(	PUNCT
fbem-6054	94	11	0.000	0.000	NUM
fbem-6054	94	12	)	)	PUNCT
fbem-6054	94	13	(	(	PUNCT
fbem-6054	94	14	0.000	0.000	X
fbem-6054	94	15	)	)	PUNCT
fbem-6054	94	16	education	education	NOUN
fbem-6054	94	17	level	level	NOUN
fbem-6054	94	18	0.007	0.007	NUM
fbem-6054	94	19	*	*	PUNCT
fbem-6054	94	20	*	*	PUNCT
fbem-6054	94	21	*	*	PUNCT
fbem-6054	94	22	0.007	0.007	NUM
fbem-6054	94	23	*	*	PUNCT
fbem-6054	94	24	*	*	PUNCT
fbem-6054	94	25	*	*	PUNCT
fbem-6054	95	1	0.010	0.010	NUM
fbem-6054	95	2	*	*	PUNCT
fbem-6054	95	3	*	*	PUNCT
fbem-6054	95	4	*	*	PUNCT
fbem-6054	95	5	(	(	PUNCT
fbem-6054	95	6	0.000	0.000	NUM
fbem-6054	95	7	)	)	PUNCT
fbem-6054	95	8	(	(	PUNCT
fbem-6054	95	9	0.000	0.000	NUM
fbem-6054	95	10	)	)	PUNCT
fbem-6054	95	11	(	(	PUNCT
fbem-6054	95	12	0.000	0.000	X
fbem-6054	95	13	)	)	PUNCT
fbem-6054	95	14	health	health	NOUN
fbem-6054	95	15	status	status	NOUN
fbem-6054	95	16	0.005	0.005	NUM
fbem-6054	95	17	*	*	NOUN
fbem-6054	95	18	0.006	0.006	NUM
fbem-6054	95	19	*	*	PUNCT
fbem-6054	95	20	*	*	PUNCT
fbem-6054	95	21	-0.007	-0.007	PUNCT
fbem-6054	95	22	*	*	PUNCT
fbem-6054	95	23	*	*	PUNCT
fbem-6054	95	24	*	*	PUNCT
fbem-6054	95	25	(	(	PUNCT
fbem-6054	95	26	0.003	0.003	NUM
fbem-6054	95	27	)	)	PUNCT
fbem-6054	95	28	(	(	PUNCT
fbem-6054	95	29	0.003	0.003	NUM
fbem-6054	95	30	)	)	PUNCT
fbem-6054	95	31	(	(	PUNCT
fbem-6054	95	32	0.003	0.003	NUM
fbem-6054	95	33	)	)	PUNCT
fbem-6054	95	34	marital	marital	ADJ
fbem-6054	95	35	status	status	NOUN
fbem-6054	95	36	0.015	0.015	NUM
fbem-6054	95	37	*	*	PUNCT
fbem-6054	95	38	*	*	PUNCT
fbem-6054	95	39	*	*	PUNCT
fbem-6054	95	40	0.016	0.016	NUM
fbem-6054	95	41	*	*	PUNCT
fbem-6054	95	42	*	*	PUNCT
fbem-6054	95	43	*	*	PUNCT
fbem-6054	95	44	0.029	0.029	NUM
fbem-6054	95	45	*	*	PUNCT
fbem-6054	95	46	*	*	PUNCT
fbem-6054	95	47	*	*	PUNCT
fbem-6054	95	48	(	(	PUNCT
fbem-6054	95	49	0.005	0.005	NUM
fbem-6054	95	50	)	)	PUNCT
fbem-6054	95	51	(	(	PUNCT
fbem-6054	95	52	0.005	0.005	NUM
fbem-6054	95	53	)	)	PUNCT
fbem-6054	95	54	(	(	PUNCT
fbem-6054	95	55	0.004	0.004	NUM
fbem-6054	95	56	)	)	PUNCT
fbem-6054	95	57	personal	personal	ADJ
fbem-6054	95	58	risk	risk	NOUN
fbem-6054	95	59	appetite	appetite	NOUN
fbem-6054	95	60	0.002	0.002	NUM
fbem-6054	95	61	0.002	0.002	NUM
fbem-6054	95	62	0.102	0.102	NUM
fbem-6054	95	63	*	*	PUNCT
fbem-6054	95	64	*	*	PUNCT
fbem-6054	95	65	*	*	PUNCT
fbem-6054	95	66	(	(	PUNCT
fbem-6054	95	67	0.004	0.004	NUM
fbem-6054	95	68	)	)	PUNCT
fbem-6054	95	69	(	(	PUNCT
fbem-6054	95	70	0.004	0.004	NUM
fbem-6054	95	71	)	)	PUNCT
fbem-6054	95	72	(	(	PUNCT
fbem-6054	95	73	0.007	0.007	NUM
fbem-6054	95	74	)	)	PUNCT
fbem-6054	95	75	level	level	NOUN
fbem-6054	95	76	of	of	ADP
fbem-6054	95	77	financial	financial	ADJ
fbem-6054	95	78	information	information	NOUN
fbem-6054	95	79	concern	concern	NOUN
fbem-6054	95	80	0.010	0.010	NUM
fbem-6054	95	81	*	*	PUNCT
fbem-6054	95	82	*	*	PUNCT
fbem-6054	95	83	*	*	PUNCT
fbem-6054	95	84	0.009	0.009	NUM
fbem-6054	95	85	*	*	NOUN
fbem-6054	95	86	*	*	X
fbem-6054	95	87	0.133	0.133	NUM
fbem-6054	95	88	*	*	PUNCT
fbem-6054	95	89	*	*	PUNCT
fbem-6054	95	90	*	*	PUNCT
fbem-6054	95	91	(	(	PUNCT
fbem-6054	95	92	0.004	0.004	NUM
fbem-6054	95	93	)	)	PUNCT
fbem-6054	95	94	(	(	PUNCT
fbem-6054	95	95	0.004	0.004	NUM
fbem-6054	95	96	)	)	PUNCT
fbem-6054	95	97	(	(	PUNCT
fbem-6054	95	98	0.006	0.006	NUM
fbem-6054	95	99	)	)	PUNCT
fbem-6054	95	100	family	family	NOUN
fbem-6054	95	101	size	size	NOUN
fbem-6054	95	102	0.008	0.008	NUM
fbem-6054	95	103	*	*	NOUN
fbem-6054	95	104	*	*	PUNCT
fbem-6054	95	105	*	*	NOUN
fbem-6054	95	106	0.009	0.009	NUM
fbem-6054	95	107	*	*	PUNCT
fbem-6054	95	108	*	*	PUNCT
fbem-6054	95	109	*	*	PUNCT
fbem-6054	95	110	-0.004	-0.004	PUNCT
fbem-6054	95	111	*	*	PUNCT
fbem-6054	95	112	*	*	PUNCT
fbem-6054	95	113	*	*	PUNCT
fbem-6054	95	114	(	(	PUNCT
fbem-6054	95	115	0.001	0.001	NUM
fbem-6054	95	116	)	)	PUNCT
fbem-6054	95	117	(	(	PUNCT
fbem-6054	95	118	0.001	0.001	NUM
fbem-6054	95	119	)	)	PUNCT
fbem-6054	95	120	(	(	PUNCT
fbem-6054	95	121	0.001	0.001	NUM
fbem-6054	95	122	)	)	PUNCT
fbem-6054	95	123	household	household	NOUN
fbem-6054	95	124	net	net	ADJ
fbem-6054	95	125	worth(ln	worth(ln	NOUN
fbem-6054	95	126	)	)	PUNCT
fbem-6054	95	127	0.005	0.005	NUM
fbem-6054	95	128	*	*	PUNCT
fbem-6054	95	129	*	*	PUNCT
fbem-6054	95	130	*	*	NOUN
fbem-6054	95	131	0.005	0.005	NUM
fbem-6054	95	132	*	*	PUNCT
fbem-6054	95	133	*	*	PUNCT
fbem-6054	95	134	*	*	PUNCT
fbem-6054	95	135	0.003	0.003	NUM
fbem-6054	95	136	*	*	PUNCT
fbem-6054	95	137	*	*	PUNCT
fbem-6054	95	138	*	*	PUNCT
fbem-6054	95	139	(	(	PUNCT
fbem-6054	95	140	0.000	0.000	NUM
fbem-6054	95	141	)	)	PUNCT
fbem-6054	95	142	(	(	PUNCT
fbem-6054	95	143	0.000	0.000	NUM
fbem-6054	95	144	)	)	PUNCT
fbem-6054	95	145	(	(	PUNCT
fbem-6054	95	146	0.000	0.000	X
fbem-6054	95	147	)	)	PUNCT
fbem-6054	95	148	household	household	NOUN
fbem-6054	95	149	income(ln	income(ln	NOUN
fbem-6054	95	150	)	)	PUNCT
fbem-6054	95	151	0.007	0.007	NUM
fbem-6054	95	152	*	*	PUNCT
fbem-6054	95	153	*	*	PUNCT
fbem-6054	95	154	*	*	PUNCT
fbem-6054	95	155	0.007	0.007	NUM
fbem-6054	95	156	*	*	PUNCT
fbem-6054	95	157	*	*	PUNCT
fbem-6054	95	158	*	*	X
fbem-6054	95	159	0.001	0.001	NUM
fbem-6054	95	160	(	(	PUNCT
fbem-6054	95	161	0.001	0.001	NUM
fbem-6054	95	162	)	)	PUNCT
fbem-6054	95	163	(	(	PUNCT
fbem-6054	95	164	0.001	0.001	NUM
fbem-6054	95	165	)	)	PUNCT
fbem-6054	95	166	(	(	PUNCT
fbem-6054	95	167	0.001	0.001	NUM
fbem-6054	95	168	)	)	PUNCT
fbem-6054	95	169	city	city	NOUN
fbem-6054	95	170	-0.002	-0.002	PUNCT
fbem-6054	95	171	-0.002	-0.002	PUNCT
fbem-6054	96	1	0.024	0.024	NUM
fbem-6054	96	2	*	*	NOUN
fbem-6054	96	3	*	*	PUNCT
fbem-6054	96	4	*	*	PUNCT
fbem-6054	96	5	(	(	PUNCT
fbem-6054	96	6	0.004	0.004	NUM
fbem-6054	96	7	)	)	PUNCT
fbem-6054	96	8	(	(	PUNCT
fbem-6054	96	9	0.004	0.004	NUM
fbem-6054	96	10	)	)	PUNCT
fbem-6054	96	11	(	(	PUNCT
fbem-6054	96	12	0.002	0.002	NUM
fbem-6054	96	13	)	)	PUNCT
fbem-6054	96	14	ln_gdp	ln_gdp	PROPN
fbem-6054	96	15	0.026	0.026	NUM
fbem-6054	96	16	*	*	PUNCT
fbem-6054	96	17	0.033	0.033	NUM
fbem-6054	96	18	*	*	PUNCT
fbem-6054	96	19	*	*	PUNCT
fbem-6054	96	20	0.319	0.319	NUM
fbem-6054	96	21	*	*	PUNCT
fbem-6054	96	22	*	*	PUNCT
fbem-6054	96	23	*	*	PUNCT
fbem-6054	96	24	(	(	PUNCT
fbem-6054	96	25	0.015	0.015	NUM
fbem-6054	96	26	)	)	PUNCT
fbem-6054	96	27	(	(	PUNCT
fbem-6054	96	28	0.016	0.016	NUM
fbem-6054	96	29	)	)	PUNCT
fbem-6054	96	30	(	(	PUNCT
fbem-6054	96	31	0.018	0.018	NUM
fbem-6054	96	32	)	)	PUNCT
fbem-6054	96	33	province	province	NOUN
fbem-6054	96	34	control	control	PROPN
fbem-6054	96	35	control	control	PROPN
fbem-6054	96	36	control	control	PROPN
fbem-6054	96	37	sample	sample	PROPN
fbem-6054	96	38	size	size	NOUN
fbem-6054	96	39	38442	38442	NUM
fbem-6054	96	40	38442	38442	NUM
fbem-6054	96	41	38442	38442	NUM
fbem-6054	96	42	r	r	NOUN
fbem-6054	96	43	-	-	PUNCT
fbem-6054	96	44	squared	square	VERB
fbem-6054	96	45	0.081	0.081	NUM
fbem-6054	96	46	0.080	0.080	NUM
fbem-6054	96	47	0.181	0.181	NUM
fbem-6054	96	48	4.3	4.3	NUM
fbem-6054	96	49	.	.	PUNCT
fbem-6054	97	1	heterogeneity	heterogeneity	NOUN
fbem-6054	97	2	results	result	NOUN
fbem-6054	97	3	and	and	CCONJ
fbem-6054	97	4	analysis	analysis	NOUN
fbem-6054	97	5	as	as	SCONJ
fbem-6054	97	6	revealed	reveal	VERB
fbem-6054	97	7	by	by	ADP
fbem-6054	97	8	the	the	DET
fbem-6054	97	9	previous	previous	ADJ
fbem-6054	97	10	analysis	analysis	NOUN
fbem-6054	97	11	,	,	PUNCT
fbem-6054	97	12	the	the	DET
fbem-6054	97	13	digital	digital	ADJ
fbem-6054	97	14	divide	divide	NOUN
fbem-6054	97	15	indeed	indeed	ADV
fbem-6054	97	16	affects	affect	VERB
fbem-6054	97	17	household	household	NOUN
fbem-6054	97	18	participation	participation	NOUN
fbem-6054	97	19	in	in	ADP
fbem-6054	97	20	financial	financial	ADJ
fbem-6054	97	21	markets	market	NOUN
fbem-6054	97	22	.	.	PUNCT
fbem-6054	98	1	however	however	ADV
fbem-6054	98	2	,	,	PUNCT
fbem-6054	98	3	due	due	ADP
fbem-6054	98	4	to	to	ADP
fbem-6054	98	5	variations	variation	NOUN
fbem-6054	98	6	in	in	ADP
fbem-6054	98	7	household	household	NOUN
fbem-6054	98	8	education	education	NOUN
fbem-6054	98	9	level	level	NOUN
fbem-6054	98	10	,	,	PUNCT
fbem-6054	98	11	income	income	NOUN
fbem-6054	98	12	,	,	PUNCT
fbem-6054	98	13	and	and	CCONJ
fbem-6054	98	14	regional	regional	ADJ
fbem-6054	98	15	location	location	NOUN
fbem-6054	98	16	,	,	PUNCT
fbem-6054	98	17	the	the	DET
fbem-6054	98	18	impact	impact	NOUN
fbem-6054	98	19	of	of	ADP
fbem-6054	98	20	the	the	DET
fbem-6054	98	21	digital	digital	ADJ
fbem-6054	98	22	divide	divide	NOUN
fbem-6054	98	23	on	on	ADP
fbem-6054	98	24	household	household	NOUN
fbem-6054	98	25	financial	financial	ADJ
fbem-6054	98	26	market	market	NOUN
fbem-6054	98	27	participation	participation	NOUN
fbem-6054	98	28	may	may	AUX
fbem-6054	98	29	differ	differ	VERB
fbem-6054	98	30	.	.	PUNCT
fbem-6054	99	1	therefore	therefore	ADV
fbem-6054	99	2	,	,	PUNCT
fbem-6054	99	3	it	it	PRON
fbem-6054	99	4	is	be	AUX
fbem-6054	99	5	necessary	necessary	ADJ
fbem-6054	99	6	to	to	PART
fbem-6054	99	7	conduct	conduct	VERB
fbem-6054	99	8	further	further	ADJ
fbem-6054	99	9	heterogeneity	heterogeneity	NOUN
fbem-6054	99	10	analysis	analysis	NOUN
fbem-6054	99	11	.	.	PUNCT
fbem-6054	100	1	in	in	ADP
fbem-6054	100	2	this	this	DET
fbem-6054	100	3	study	study	NOUN
fbem-6054	100	4	,	,	PUNCT
fbem-6054	100	5	an	an	DET
fbem-6054	100	6	interaction	interaction	NOUN
fbem-6054	100	7	term	term	NOUN
fbem-6054	100	8	between	between	ADP
fbem-6054	100	9	the	the	DET
fbem-6054	100	10	digital	digital	ADJ
fbem-6054	100	11	divide	divide	NOUN
fbem-6054	100	12	and	and	CCONJ
fbem-6054	100	13	education	education	NOUN
fbem-6054	100	14	level	level	NOUN
fbem-6054	100	15	was	be	AUX
fbem-6054	100	16	constructed	construct	VERB
fbem-6054	100	17	to	to	PART
fbem-6054	100	18	examine	examine	VERB
fbem-6054	100	19	the	the	DET
fbem-6054	100	20	heterogeneous	heterogeneous	ADJ
fbem-6054	100	21	effect	effect	NOUN
fbem-6054	100	22	of	of	ADP
fbem-6054	100	23	the	the	DET
fbem-6054	100	24	digital	digital	ADJ
fbem-6054	100	25	divide	divide	NOUN
fbem-6054	100	26	on	on	ADP
fbem-6054	100	27	financial	financial	ADJ
fbem-6054	100	28	market	market	NOUN
fbem-6054	100	29	participation	participation	NOUN
fbem-6054	100	30	based	base	VERB
fbem-6054	100	31	on	on	ADP
fbem-6054	100	32	education	education	NOUN
fbem-6054	100	33	level	level	NOUN
fbem-6054	100	34	.	.	PUNCT
fbem-6054	101	1	the	the	DET
fbem-6054	101	2	estimation	estimation	NOUN
fbem-6054	101	3	results	result	NOUN
fbem-6054	101	4	are	be	AUX
fbem-6054	101	5	shown	show	VERB
fbem-6054	101	6	in	in	ADP
fbem-6054	101	7	table	table	NOUN
fbem-6054	101	8	3	3	NUM
fbem-6054	101	9	.	.	PUNCT
fbem-6054	101	10	as	as	SCONJ
fbem-6054	101	11	indicated	indicate	VERB
fbem-6054	101	12	in	in	ADP
fbem-6054	101	13	columns	column	NOUN
fbem-6054	101	14	(	(	PUNCT
fbem-6054	101	15	1	1	NUM
fbem-6054	101	16	)	)	PUNCT
fbem-6054	101	17	,	,	PUNCT
fbem-6054	101	18	(	(	PUNCT
fbem-6054	101	19	2	2	NUM
fbem-6054	101	20	)	)	PUNCT
fbem-6054	101	21	,	,	PUNCT
fbem-6054	101	22	and	and	CCONJ
fbem-6054	101	23	(	(	PUNCT
fbem-6054	101	24	3	3	NUM
fbem-6054	101	25	)	)	PUNCT
fbem-6054	101	26	,	,	PUNCT
fbem-6054	101	27	the	the	DET
fbem-6054	101	28	estimated	estimate	VERB
fbem-6054	101	29	coefficients	coefficient	NOUN
fbem-6054	101	30	of	of	ADP
fbem-6054	101	31	the	the	DET
fbem-6054	101	32	interaction	interaction	NOUN
fbem-6054	101	33	term	term	NOUN
fbem-6054	101	34	between	between	ADP
fbem-6054	101	35	the	the	DET
fbem-6054	101	36	digital	digital	ADJ
fbem-6054	101	37	divide	divide	NOUN
fbem-6054	101	38	and	and	CCONJ
fbem-6054	101	39	low	low	ADJ
fbem-6054	101	40	education	education	NOUN
fbem-6054	101	41	level	level	NOUN
fbem-6054	101	42	on	on	ADP
fbem-6054	101	43	financial	financial	ADJ
fbem-6054	101	44	market	market	NOUN
fbem-6054	101	45	participation	participation	NOUN
fbem-6054	101	46	are	be	AUX
fbem-6054	101	47	-0.049	-0.049	PRON
fbem-6054	101	48	,	,	PUNCT
fbem-6054	101	49	-0.047	-0.047	PRON
fbem-6054	101	50	,	,	PUNCT
fbem-6054	101	51	and	and	CCONJ
fbem-6054	101	52	0.119	0.119	NUM
fbem-6054	101	53	,	,	PUNCT
fbem-6054	101	54	respectively	respectively	ADV
fbem-6054	101	55	,	,	PUNCT
fbem-6054	101	56	which	which	PRON
fbem-6054	101	57	are	be	AUX
fbem-6054	101	58	significant	significant	ADJ
fbem-6054	101	59	at	at	ADP
fbem-6054	101	60	the	the	DET
fbem-6054	101	61	1	1	NUM
fbem-6054	101	62	%	%	NOUN
fbem-6054	101	63	confidence	confidence	NOUN
fbem-6054	101	64	level	level	NOUN
fbem-6054	101	65	.	.	PUNCT
fbem-6054	102	1	this	this	PRON
fbem-6054	102	2	suggests	suggest	VERB
fbem-6054	102	3	that	that	SCONJ
fbem-6054	102	4	the	the	DET
fbem-6054	102	5	negative	negative	ADJ
fbem-6054	102	6	impact	impact	NOUN
fbem-6054	102	7	of	of	ADP
fbem-6054	102	8	the	the	DET
fbem-6054	102	9	digital	digital	ADJ
fbem-6054	102	10	divide	divide	NOUN
fbem-6054	102	11	on	on	ADP
fbem-6054	102	12	financial	financial	ADJ
fbem-6054	102	13	market	market	NOUN
fbem-6054	102	14	participation	participation	NOUN
fbem-6054	102	15	is	be	AUX
fbem-6054	102	16	more	more	ADV
fbem-6054	102	17	pronounced	pronounced	ADJ
fbem-6054	102	18	in	in	ADP
fbem-6054	102	19	low	low	ADJ
fbem-6054	102	20	education	education	NOUN
fbem-6054	102	21	households	household	NOUN
fbem-6054	102	22	than	than	ADP
fbem-6054	102	23	in	in	ADP
fbem-6054	102	24	high	high	ADJ
fbem-6054	102	25	education	education	NOUN
fbem-6054	102	26	households	household	NOUN
fbem-6054	102	27	.	.	PUNCT
fbem-6054	103	1	specifically	specifically	ADV
fbem-6054	103	2	,	,	PUNCT
fbem-6054	103	3	low	low	ADJ
fbem-6054	103	4	education	education	NOUN
fbem-6054	103	5	households	household	NOUN
fbem-6054	103	6	exhibit	exhibit	VERB
fbem-6054	103	7	a	a	DET
fbem-6054	103	8	weak	weak	ADJ
fbem-6054	103	9	risk	risk	NOUN
fbem-6054	103	10	awareness	awareness	NOUN
fbem-6054	103	11	and	and	CCONJ
fbem-6054	103	12	blindly	blindly	ADV
fbem-6054	103	13	participate	participate	VERB
fbem-6054	103	14	in	in	ADP
fbem-6054	103	15	high	high	ADJ
fbem-6054	103	16	-	-	PUNCT
fbem-6054	103	17	risk	risk	NOUN
fbem-6054	103	18	financial	financial	ADJ
fbem-6054	103	19	markets	market	NOUN
fbem-6054	103	20	.	.	PUNCT
fbem-6054	104	1	5	5	X
fbem-6054	104	2	.	.	NOUN
fbem-6054	104	3	mechanism	mechanism	NOUN
fbem-6054	104	4	testing	testing	NOUN
fbem-6054	104	5	based	base	VERB
fbem-6054	104	6	on	on	ADP
fbem-6054	104	7	the	the	DET
fbem-6054	104	8	above	above	ADJ
fbem-6054	104	9	analysis	analysis	NOUN
fbem-6054	104	10	,	,	PUNCT
fbem-6054	104	11	this	this	DET
fbem-6054	104	12	study	study	NOUN
fbem-6054	104	13	confirms	confirm	VERB
fbem-6054	104	14	the	the	DET
fbem-6054	104	15	impact	impact	NOUN
fbem-6054	104	16	of	of	ADP
fbem-6054	104	17	the	the	DET
fbem-6054	104	18	digital	digital	ADJ
fbem-6054	104	19	divide	divide	NOUN
fbem-6054	104	20	on	on	ADP
fbem-6054	104	21	household	household	NOUN
fbem-6054	104	22	participation	participation	NOUN
fbem-6054	104	23	in	in	ADP
fbem-6054	104	24	the	the	DET
fbem-6054	104	25	financial	financial	ADJ
fbem-6054	104	26	market	market	NOUN
fbem-6054	104	27	,	,	PUNCT
fbem-6054	104	28	but	but	CCONJ
fbem-6054	104	29	the	the	DET
fbem-6054	104	30	underlying	underlying	ADJ
fbem-6054	104	31	mechanisms	mechanism	NOUN
fbem-6054	104	32	of	of	ADP
fbem-6054	104	33	this	this	DET
fbem-6054	104	34	impact	impact	NOUN
fbem-6054	104	35	require	require	VERB
fbem-6054	104	36	further	further	ADJ
fbem-6054	104	37	investigation	investigation	NOUN
fbem-6054	104	38	.	.	PUNCT
fbem-6054	105	1	as	as	ADP
fbem-6054	105	2	yin	yin	PROPN
fbem-6054	105	3	et	et	PROPN
fbem-6054	105	4	al	al	PROPN
fbem-6054	105	5	.	.	PROPN
fbem-6054	106	1	(	(	PUNCT
fbem-6054	106	2	2021	2021	NUM
fbem-6054	106	3	)	)	PUNCT
fbem-6054	106	4	found	find	VERB
fbem-6054	106	5	,	,	PUNCT
fbem-6054	106	6	[	[	X
fbem-6054	106	7	5]the	5]the	DET
fbem-6054	106	8	digital	digital	ADJ
fbem-6054	106	9	divide	divide	NOUN
fbem-6054	106	10	is	be	AUX
fbem-6054	106	11	an	an	DET
fbem-6054	106	12	important	important	ADJ
fbem-6054	106	13	factor	factor	NOUN
fbem-6054	106	14	that	that	PRON
fbem-6054	106	15	affects	affect	VERB
fbem-6054	106	16	household	household	NOUN
fbem-6054	106	17	income	income	NOUN
fbem-6054	106	18	.	.	PUNCT
fbem-6054	107	1	therefore	therefore	ADV
fbem-6054	107	2	,	,	PUNCT
fbem-6054	107	3	the	the	DET
fbem-6054	107	4	presence	presence	NOUN
fbem-6054	107	5	of	of	ADP
fbem-6054	107	6	the	the	DET
fbem-6054	107	7	digital	digital	ADJ
fbem-6054	107	8	divide	divide	NOUN
fbem-6054	107	9	may	may	AUX
fbem-6054	107	10	reduce	reduce	VERB
fbem-6054	107	11	the	the	DET
fbem-6054	107	12	probability	probability	NOUN
fbem-6054	107	13	of	of	ADP
fbem-6054	107	14	household	household	NOUN
fbem-6054	107	15	participation	participation	NOUN
fbem-6054	107	16	in	in	ADP
fbem-6054	107	17	the	the	DET
fbem-6054	107	18	financial	financial	ADJ
fbem-6054	107	19	market	market	NOUN
fbem-6054	107	20	by	by	ADP
fbem-6054	107	21	influencing	influence	VERB
fbem-6054	107	22	household	household	NOUN
fbem-6054	107	23	income	income	NOUN
fbem-6054	107	24	.	.	PUNCT
fbem-6054	108	1	the	the	DET
fbem-6054	108	2	regression	regression	NOUN
fbem-6054	108	3	results	result	NOUN
fbem-6054	108	4	are	be	AUX
fbem-6054	108	5	reported	report	VERB
fbem-6054	108	6	in	in	ADP
fbem-6054	108	7	table	table	NOUN
fbem-6054	108	8	4	4	NUM
fbem-6054	108	9	,	,	PUNCT
fbem-6054	108	10	where	where	SCONJ
fbem-6054	108	11	column	column	NOUN
fbem-6054	108	12	(	(	PUNCT
fbem-6054	108	13	1	1	X
fbem-6054	108	14	)	)	PUNCT
fbem-6054	108	15	estimates	estimate	VERB
fbem-6054	108	16	the	the	DET
fbem-6054	108	17	impact	impact	NOUN
fbem-6054	108	18	of	of	ADP
fbem-6054	108	19	household	household	NOUN
fbem-6054	108	20	income	income	NOUN
fbem-6054	108	21	on	on	ADP
fbem-6054	108	22	financial	financial	ADJ
fbem-6054	108	23	market	market	NOUN
fbem-6054	108	24	participation	participation	NOUN
fbem-6054	108	25	using	use	VERB
fbem-6054	108	26	a	a	DET
fbem-6054	108	27	linear	linear	ADJ
fbem-6054	108	28	regression	regression	NOUN
fbem-6054	108	29	model	model	NOUN
fbem-6054	108	30	,	,	PUNCT
fbem-6054	108	31	and	and	CCONJ
fbem-6054	108	32	columns	column	NOUN
fbem-6054	108	33	(	(	PUNCT
fbem-6054	108	34	2	2	NUM
fbem-6054	108	35	)	)	PUNCT
fbem-6054	108	36	and	and	CCONJ
fbem-6054	108	37	(	(	PUNCT
fbem-6054	108	38	3	3	X
fbem-6054	108	39	)	)	PUNCT
fbem-6054	108	40	respectively	respectively	ADV
fbem-6054	108	41	estimate	estimate	VERB
fbem-6054	108	42	the	the	DET
fbem-6054	108	43	effect	effect	NOUN
fbem-6054	108	44	of	of	ADP
fbem-6054	108	45	household	household	NOUN
fbem-6054	108	46	income	income	NOUN
fbem-6054	108	47	on	on	ADP
fbem-6054	108	48	participation	participation	NOUN
fbem-6054	108	49	in	in	ADP
fbem-6054	108	50	low	low	ADJ
fbem-6054	108	51	-	-	PUNCT
fbem-6054	108	52	risk	risk	NOUN
fbem-6054	108	53	and	and	CCONJ
fbem-6054	108	54	high	high	ADJ
fbem-6054	108	55	-	-	PUNCT
fbem-6054	108	56	risk	risk	NOUN
fbem-6054	108	57	financial	financial	ADJ
fbem-6054	108	58	markets	market	NOUN
fbem-6054	108	59	.	.	PUNCT
fbem-6054	109	1	the	the	DET
fbem-6054	109	2	estimated	estimate	VERB
fbem-6054	109	3	coefficients	coefficient	NOUN
fbem-6054	109	4	are	be	AUX
fbem-6054	109	5	significant	significant	ADJ
fbem-6054	109	6	at	at	ADP
fbem-6054	109	7	the	the	DET
fbem-6054	109	8	1	1	NUM
fbem-6054	109	9	%	%	NOUN
fbem-6054	109	10	confidence	confidence	NOUN
fbem-6054	109	11	interval	interval	NOUN
fbem-6054	109	12	and	and	CCONJ
fbem-6054	109	13	are	be	AUX
fbem-6054	109	14	0.008	0.008	NUM
fbem-6054	109	15	,	,	PUNCT
fbem-6054	109	16	0.008	0.008	NUM
fbem-6054	109	17	,	,	PUNCT
fbem-6054	109	18	and	and	CCONJ
fbem-6054	109	19	0.002	0.002	NUM
fbem-6054	109	20	,	,	PUNCT
fbem-6054	109	21	indicating	indicate	VERB
fbem-6054	109	22	that	that	SCONJ
fbem-6054	109	23	household	household	NOUN
fbem-6054	109	24	income	income	NOUN
fbem-6054	109	25	significantly	significantly	ADV
fbem-6054	109	26	increases	increase	VERB
fbem-6054	109	27	financial	financial	ADJ
fbem-6054	109	28	market	market	NOUN
fbem-6054	109	29	participation	participation	NOUN
fbem-6054	109	30	.	.	PUNCT
fbem-6054	110	1	as	as	SCONJ
fbem-6054	110	2	found	find	VERB
fbem-6054	110	3	by	by	ADP
fbem-6054	110	4	yin	yin	PROPN
fbem-6054	110	5	et	et	PROPN
fbem-6054	110	6	al	al	PROPN
fbem-6054	110	7	.	.	PROPN
fbem-6054	111	1	(	(	PUNCT
fbem-6054	111	2	2021	2021	NUM
fbem-6054	111	3	)	)	PUNCT
fbem-6054	111	4	,	,	PUNCT
fbem-6054	112	1	[	[	X
fbem-6054	112	2	5]the	5]the	DET
fbem-6054	112	3	digital	digital	ADJ
fbem-6054	112	4	divide	divide	NOUN
fbem-6054	112	5	significantly	significantly	ADV
fbem-6054	112	6	reduces	reduce	VERB
fbem-6054	112	7	household	household	NOUN
fbem-6054	112	8	income	income	NOUN
fbem-6054	112	9	.	.	PUNCT
fbem-6054	113	1	therefore	therefore	ADV
fbem-6054	113	2	,	,	PUNCT
fbem-6054	113	3	our	our	PRON
fbem-6054	113	4	mechanism	mechanism	NOUN
fbem-6054	113	5	test	test	NOUN
fbem-6054	113	6	confirms	confirm	VERB
fbem-6054	113	7	that	that	SCONJ
fbem-6054	113	8	the	the	DET
fbem-6054	113	9	digital	digital	ADJ
fbem-6054	113	10	divide	divide	NOUN
fbem-6054	113	11	reduces	reduce	VERB
fbem-6054	113	12	financial	financial	ADJ
fbem-6054	113	13	market	market	NOUN
fbem-6054	113	14	participation	participation	NOUN
fbem-6054	113	15	by	by	ADP
fbem-6054	113	16	decreasing	decrease	VERB
fbem-6054	113	17	household	household	NOUN
fbem-6054	113	18	income	income	NOUN
fbem-6054	113	19	.	.	PUNCT
fbem-6054	114	1	131	131	NUM
fbem-6054	114	2	table	table	NOUN
fbem-6054	114	3	3	3	NUM
fbem-6054	114	4	.	.	PUNCT
fbem-6054	114	5	impact	impact	NOUN
fbem-6054	114	6	of	of	ADP
fbem-6054	114	7	the	the	DET
fbem-6054	114	8	digital	digital	ADJ
fbem-6054	114	9	divide	divide	NOUN
fbem-6054	114	10	on	on	ADP
fbem-6054	114	11	heterogeneity	heterogeneity	NOUN
fbem-6054	114	12	of	of	ADP
fbem-6054	114	13	financial	financial	ADJ
fbem-6054	114	14	market	market	NOUN
fbem-6054	114	15	participation	participation	NOUN
fbem-6054	114	16	(	(	PUNCT
fbem-6054	114	17	1	1	NUM
fbem-6054	114	18	)	)	PUNCT
fbem-6054	114	19	(	(	PUNCT
fbem-6054	114	20	2	2	NUM
fbem-6054	114	21	)	)	PUNCT
fbem-6054	114	22	(	(	PUNCT
fbem-6054	114	23	3	3	X
fbem-6054	114	24	)	)	PUNCT
fbem-6054	114	25	variables	variable	VERB
fbem-6054	114	26	financial	financial	ADJ
fbem-6054	114	27	market	market	NOUN
fbem-6054	114	28	participation	participation	NOUN
fbem-6054	114	29	low	low	ADJ
fbem-6054	114	30	risk	risk	NOUN
fbem-6054	114	31	market	market	NOUN
fbem-6054	114	32	participation	participation	NOUN
fbem-6054	114	33	high	high	ADJ
fbem-6054	114	34	risk	risk	NOUN
fbem-6054	114	35	market	market	NOUN
fbem-6054	114	36	participation	participation	NOUN
fbem-6054	114	37	ols	ol	NOUN
fbem-6054	114	38	ols	ols	PROPN
fbem-6054	114	39	ols	ols	PROPN
fbem-6054	114	40	digital	digital	PROPN
fbem-6054	114	41	divide	divide	NOUN
fbem-6054	114	42	x	x	PUNCT
fbem-6054	114	43	low	low	ADJ
fbem-6054	114	44	education	education	NOUN
fbem-6054	114	45	-0.049	-0.049	PUNCT
fbem-6054	114	46	*	*	PUNCT
fbem-6054	114	47	*	*	PUNCT
fbem-6054	114	48	*	*	PUNCT
fbem-6054	114	49	-0.047	-0.047	PUNCT
fbem-6054	114	50	*	*	PUNCT
fbem-6054	114	51	*	*	PUNCT
fbem-6054	114	52	*	*	PUNCT
fbem-6054	114	53	0.119	0.119	NUM
fbem-6054	114	54	*	*	PUNCT
fbem-6054	114	55	*	*	PUNCT
fbem-6054	114	56	*	*	PUNCT
fbem-6054	114	57	(	(	PUNCT
fbem-6054	114	58	0.006	0.006	NUM
fbem-6054	114	59	)	)	PUNCT
fbem-6054	114	60	(	(	PUNCT
fbem-6054	114	61	0.006	0.006	NUM
fbem-6054	114	62	)	)	PUNCT
fbem-6054	114	63	(	(	PUNCT
fbem-6054	114	64	0.006	0.006	NUM
fbem-6054	114	65	)	)	PUNCT
fbem-6054	114	66	digital	digital	ADJ
fbem-6054	114	67	divide	divide	NOUN
fbem-6054	114	68	-0.031	-0.031	NOUN
fbem-6054	114	69	*	*	PUNCT
fbem-6054	114	70	*	*	PUNCT
fbem-6054	114	71	*	*	PUNCT
fbem-6054	115	1	-0.034	-0.034	PUNCT
fbem-6054	115	2	*	*	PUNCT
fbem-6054	115	3	*	*	PUNCT
fbem-6054	115	4	*	*	PUNCT
fbem-6054	115	5	-0.158	-0.158	PUNCT
fbem-6054	116	1	*	*	PUNCT
fbem-6054	116	2	*	*	PUNCT
fbem-6054	116	3	*	*	PUNCT
fbem-6054	116	4	(	(	PUNCT
fbem-6054	116	5	0.005	0.005	NUM
fbem-6054	116	6	)	)	PUNCT
fbem-6054	116	7	(	(	PUNCT
fbem-6054	116	8	0.005	0.005	NUM
fbem-6054	116	9	)	)	PUNCT
fbem-6054	116	10	(	(	PUNCT
fbem-6054	116	11	0.006	0.006	NUM
fbem-6054	116	12	)	)	PUNCT
fbem-6054	116	13	low	low	ADJ
fbem-6054	116	14	education	education	NOUN
fbem-6054	116	15	0.053	0.053	NUM
fbem-6054	116	16	*	*	PUNCT
fbem-6054	117	1	*	*	PUNCT
fbem-6054	117	2	*	*	PUNCT
fbem-6054	117	3	0.052	0.052	PRON
fbem-6054	117	4	*	*	PUNCT
fbem-6054	117	5	*	*	PUNCT
fbem-6054	117	6	*	*	PUNCT
fbem-6054	117	7	-0.096	-0.096	PUNCT
fbem-6054	117	8	*	*	PUNCT
fbem-6054	117	9	*	*	PUNCT
fbem-6054	117	10	*	*	PUNCT
fbem-6054	117	11	(	(	PUNCT
fbem-6054	117	12	0.005	0.005	NUM
fbem-6054	117	13	)	)	PUNCT
fbem-6054	117	14	(	(	PUNCT
fbem-6054	117	15	0.005	0.005	NUM
fbem-6054	117	16	)	)	PUNCT
fbem-6054	117	17	(	(	PUNCT
fbem-6054	117	18	0.006	0.006	NUM
fbem-6054	117	19	)	)	PUNCT
fbem-6054	117	20	male	male	NOUN
fbem-6054	117	21	0.013	0.013	NUM
fbem-6054	117	22	*	*	NOUN
fbem-6054	117	23	*	*	PUNCT
fbem-6054	117	24	*	*	PUNCT
fbem-6054	117	25	0.013	0.013	NUM
fbem-6054	117	26	*	*	PUNCT
fbem-6054	117	27	*	*	PUNCT
fbem-6054	117	28	*	*	PUNCT
fbem-6054	117	29	-0.016	-0.016	PUNCT
fbem-6054	117	30	*	*	PUNCT
fbem-6054	117	31	*	*	PUNCT
fbem-6054	117	32	*	*	PUNCT
fbem-6054	117	33	(	(	PUNCT
fbem-6054	117	34	0.004	0.004	NUM
fbem-6054	117	35	)	)	PUNCT
fbem-6054	117	36	(	(	PUNCT
fbem-6054	117	37	0.004	0.004	NUM
fbem-6054	117	38	)	)	PUNCT
fbem-6054	117	39	(	(	PUNCT
fbem-6054	117	40	0.004	0.004	NUM
fbem-6054	117	41	)	)	PUNCT
fbem-6054	117	42	age	age	NOUN
fbem-6054	117	43	squared	square	VERB
fbem-6054	117	44	-0.001	-0.001	NOUN
fbem-6054	117	45	*	*	PUNCT
fbem-6054	117	46	*	*	PUNCT
fbem-6054	117	47	*	*	PUNCT
fbem-6054	117	48	-0.000	-0.000	PUNCT
fbem-6054	117	49	*	*	PUNCT
fbem-6054	117	50	*	*	PUNCT
fbem-6054	117	51	*	*	PUNCT
fbem-6054	117	52	0.001	0.001	NUM
fbem-6054	117	53	*	*	PUNCT
fbem-6054	117	54	*	*	PUNCT
fbem-6054	117	55	*	*	PUNCT
fbem-6054	117	56	(	(	PUNCT
fbem-6054	117	57	0.000	0.000	NUM
fbem-6054	117	58	)	)	PUNCT
fbem-6054	117	59	(	(	PUNCT
fbem-6054	117	60	0.000	0.000	NUM
fbem-6054	117	61	)	)	PUNCT
fbem-6054	117	62	(	(	PUNCT
fbem-6054	117	63	0.000	0.000	X
fbem-6054	117	64	)	)	PUNCT
fbem-6054	117	65	education	education	NOUN
fbem-6054	117	66	level	level	NOUN
fbem-6054	117	67	0.010	0.010	NUM
fbem-6054	117	68	*	*	PUNCT
fbem-6054	117	69	*	*	PUNCT
fbem-6054	117	70	*	*	PUNCT
fbem-6054	117	71	0.010	0.010	NUM
fbem-6054	117	72	*	*	PUNCT
fbem-6054	117	73	*	*	PUNCT
fbem-6054	117	74	*	*	PUNCT
fbem-6054	117	75	0.006	0.006	NUM
fbem-6054	117	76	*	*	PUNCT
fbem-6054	117	77	*	*	PUNCT
fbem-6054	117	78	*	*	PUNCT
fbem-6054	117	79	(	(	PUNCT
fbem-6054	117	80	0.001	0.001	NUM
fbem-6054	117	81	)	)	PUNCT
fbem-6054	117	82	(	(	PUNCT
fbem-6054	117	83	0.001	0.001	NUM
fbem-6054	117	84	)	)	PUNCT
fbem-6054	117	85	(	(	PUNCT
fbem-6054	117	86	0.000	0.000	X
fbem-6054	117	87	)	)	PUNCT
fbem-6054	117	88	health	health	NOUN
fbem-6054	117	89	status	status	NOUN
fbem-6054	117	90	0.006	0.006	NUM
fbem-6054	117	91	*	*	NOUN
fbem-6054	117	92	*	*	PUNCT
fbem-6054	117	93	0.006	0.006	NUM
fbem-6054	117	94	*	*	PUNCT
fbem-6054	117	95	*	*	PUNCT
fbem-6054	117	96	-0.007	-0.007	PUNCT
fbem-6054	117	97	*	*	PUNCT
fbem-6054	117	98	*	*	PUNCT
fbem-6054	117	99	*	*	PUNCT
fbem-6054	117	100	(	(	PUNCT
fbem-6054	117	101	0.003	0.003	NUM
fbem-6054	117	102	)	)	PUNCT
fbem-6054	117	103	(	(	PUNCT
fbem-6054	117	104	0.003	0.003	NUM
fbem-6054	117	105	)	)	PUNCT
fbem-6054	117	106	(	(	PUNCT
fbem-6054	117	107	0.003	0.003	NUM
fbem-6054	117	108	)	)	PUNCT
fbem-6054	117	109	marital	marital	ADJ
fbem-6054	117	110	status	status	NOUN
fbem-6054	117	111	0.014	0.014	NUM
fbem-6054	117	112	*	*	PUNCT
fbem-6054	117	113	*	*	PUNCT
fbem-6054	117	114	*	*	PUNCT
fbem-6054	117	115	0.014	0.014	NUM
fbem-6054	117	116	*	*	PUNCT
fbem-6054	117	117	*	*	PUNCT
fbem-6054	117	118	*	*	PUNCT
fbem-6054	117	119	0.032	0.032	NUM
fbem-6054	117	120	*	*	PUNCT
fbem-6054	117	121	*	*	PUNCT
fbem-6054	117	122	*	*	PUNCT
fbem-6054	117	123	(	(	PUNCT
fbem-6054	117	124	0.005	0.005	NUM
fbem-6054	117	125	)	)	PUNCT
fbem-6054	117	126	(	(	PUNCT
fbem-6054	117	127	0.005	0.005	NUM
fbem-6054	117	128	)	)	PUNCT
fbem-6054	117	129	(	(	PUNCT
fbem-6054	117	130	0.004	0.004	NUM
fbem-6054	117	131	)	)	PUNCT
fbem-6054	117	132	personal	personal	ADJ
fbem-6054	117	133	risk	risk	NOUN
fbem-6054	117	134	appetite	appetite	NOUN
fbem-6054	117	135	0.004	0.004	NUM
fbem-6054	117	136	0.004	0.004	NUM
fbem-6054	117	137	0.098	0.098	NUM
fbem-6054	117	138	*	*	PUNCT
fbem-6054	117	139	*	*	PUNCT
fbem-6054	117	140	*	*	PUNCT
fbem-6054	117	141	(	(	PUNCT
fbem-6054	117	142	0.004	0.004	NUM
fbem-6054	117	143	)	)	PUNCT
fbem-6054	117	144	(	(	PUNCT
fbem-6054	117	145	0.004	0.004	NUM
fbem-6054	117	146	)	)	PUNCT
fbem-6054	117	147	(	(	PUNCT
fbem-6054	117	148	0.007	0.007	NUM
fbem-6054	117	149	)	)	PUNCT
fbem-6054	117	150	financial	financial	ADJ
fbem-6054	117	151	literacy	literacy	NOUN
fbem-6054	117	152	concern	concern	NOUN
fbem-6054	117	153	level	level	VERB
fbem-6054	117	154	0.012	0.012	NUM
fbem-6054	117	155	*	*	PUNCT
fbem-6054	117	156	*	*	PUNCT
fbem-6054	117	157	*	*	PUNCT
fbem-6054	117	158	0.011	0.011	NUM
fbem-6054	117	159	*	*	PUNCT
fbem-6054	117	160	*	*	PUNCT
fbem-6054	117	161	*	*	NOUN
fbem-6054	117	162	0.130	0.130	NUM
fbem-6054	117	163	*	*	PUNCT
fbem-6054	117	164	*	*	PUNCT
fbem-6054	117	165	*	*	PUNCT
fbem-6054	117	166	(	(	PUNCT
fbem-6054	117	167	0.004	0.004	NUM
fbem-6054	117	168	)	)	PUNCT
fbem-6054	117	169	(	(	PUNCT
fbem-6054	117	170	0.004	0.004	NUM
fbem-6054	117	171	)	)	PUNCT
fbem-6054	117	172	(	(	PUNCT
fbem-6054	117	173	0.006	0.006	NUM
fbem-6054	117	174	)	)	PUNCT
fbem-6054	117	175	family	family	NOUN
fbem-6054	117	176	size	size	NOUN
fbem-6054	117	177	0.007	0.007	NUM
fbem-6054	117	178	*	*	PUNCT
fbem-6054	117	179	*	*	PUNCT
fbem-6054	117	180	*	*	PUNCT
fbem-6054	118	1	0.008	0.008	NUM
fbem-6054	118	2	*	*	NOUN
fbem-6054	118	3	*	*	PUNCT
fbem-6054	118	4	*	*	PUNCT
fbem-6054	118	5	-0.003	-0.003	PUNCT
fbem-6054	118	6	*	*	PUNCT
fbem-6054	118	7	*	*	PUNCT
fbem-6054	118	8	*	*	PUNCT
fbem-6054	118	9	(	(	PUNCT
fbem-6054	118	10	0.001	0.001	NUM
fbem-6054	118	11	)	)	PUNCT
fbem-6054	118	12	(	(	PUNCT
fbem-6054	118	13	0.001	0.001	NUM
fbem-6054	118	14	)	)	PUNCT
fbem-6054	118	15	(	(	PUNCT
fbem-6054	118	16	0.001	0.001	NUM
fbem-6054	118	17	)	)	PUNCT
fbem-6054	118	18	household	household	NOUN
fbem-6054	118	19	net	net	ADJ
fbem-6054	118	20	worth(ln	worth(ln	NOUN
fbem-6054	118	21	)	)	PUNCT
fbem-6054	118	22	0.005	0.005	NUM
fbem-6054	118	23	*	*	PUNCT
fbem-6054	118	24	*	*	PUNCT
fbem-6054	118	25	*	*	NOUN
fbem-6054	118	26	0.005	0.005	NUM
fbem-6054	118	27	*	*	PUNCT
fbem-6054	118	28	*	*	PUNCT
fbem-6054	118	29	*	*	PUNCT
fbem-6054	118	30	0.003	0.003	NUM
fbem-6054	118	31	*	*	PUNCT
fbem-6054	118	32	*	*	PUNCT
fbem-6054	118	33	*	*	PUNCT
fbem-6054	118	34	(	(	PUNCT
fbem-6054	118	35	0.000	0.000	NUM
fbem-6054	118	36	)	)	PUNCT
fbem-6054	118	37	(	(	PUNCT
fbem-6054	118	38	0.000	0.000	NUM
fbem-6054	118	39	)	)	PUNCT
fbem-6054	118	40	(	(	PUNCT
fbem-6054	118	41	0.000	0.000	X
fbem-6054	118	42	)	)	PUNCT
fbem-6054	118	43	household	household	NOUN
fbem-6054	118	44	income(ln	income(ln	NOUN
fbem-6054	118	45	)	)	PUNCT
fbem-6054	118	46	0.007	0.007	NUM
fbem-6054	118	47	*	*	PUNCT
fbem-6054	118	48	*	*	PUNCT
fbem-6054	118	49	*	*	PUNCT
fbem-6054	118	50	0.007	0.007	NUM
fbem-6054	118	51	*	*	PUNCT
fbem-6054	118	52	*	*	PUNCT
fbem-6054	118	53	*	*	X
fbem-6054	118	54	0.001	0.001	NUM
fbem-6054	118	55	(	(	PUNCT
fbem-6054	118	56	0.001	0.001	NUM
fbem-6054	118	57	)	)	PUNCT
fbem-6054	118	58	(	(	PUNCT
fbem-6054	118	59	0.001	0.001	NUM
fbem-6054	118	60	)	)	PUNCT
fbem-6054	118	61	(	(	PUNCT
fbem-6054	118	62	0.001	0.001	NUM
fbem-6054	118	63	)	)	PUNCT
fbem-6054	118	64	city	city	NOUN
fbem-6054	118	65	-0.002	-0.002	PUNCT
fbem-6054	118	66	-0.002	-0.002	PUNCT
fbem-6054	118	67	0.025	0.025	NUM
fbem-6054	118	68	*	*	PUNCT
fbem-6054	118	69	*	*	PUNCT
fbem-6054	118	70	*	*	PUNCT
fbem-6054	118	71	(	(	PUNCT
fbem-6054	118	72	0.004	0.004	NUM
fbem-6054	118	73	)	)	PUNCT
fbem-6054	118	74	(	(	PUNCT
fbem-6054	118	75	0.004	0.004	NUM
fbem-6054	118	76	)	)	PUNCT
fbem-6054	118	77	(	(	PUNCT
fbem-6054	118	78	0.002	0.002	NUM
fbem-6054	118	79	)	)	PUNCT
fbem-6054	118	80	ln_gdp	ln_gdp	NOUN
fbem-6054	118	81	0.030	0.030	NUM
fbem-6054	118	82	*	*	NOUN
fbem-6054	118	83	*	*	PUNCT
fbem-6054	118	84	0.036	0.036	NUM
fbem-6054	118	85	*	*	PUNCT
fbem-6054	118	86	*	*	PUNCT
fbem-6054	118	87	0.312	0.312	NUM
fbem-6054	118	88	*	*	PUNCT
fbem-6054	118	89	*	*	PUNCT
fbem-6054	118	90	*	*	PUNCT
fbem-6054	118	91	(	(	PUNCT
fbem-6054	118	92	0.015	0.015	NUM
fbem-6054	118	93	)	)	PUNCT
fbem-6054	118	94	(	(	PUNCT
fbem-6054	118	95	0.015	0.015	NUM
fbem-6054	118	96	)	)	PUNCT
fbem-6054	118	97	(	(	PUNCT
fbem-6054	118	98	0.017	0.017	NUM
fbem-6054	118	99	)	)	PUNCT
fbem-6054	118	100	province	province	NOUN
fbem-6054	118	101	control	control	PROPN
fbem-6054	118	102	control	control	PROPN
fbem-6054	118	103	control	control	PROPN
fbem-6054	118	104	sample	sample	PROPN
fbem-6054	118	105	size	size	NOUN
fbem-6054	118	106	38442	38442	NUM
fbem-6054	118	107	38442	38442	NUM
fbem-6054	118	108	38442	38442	NUM
fbem-6054	118	109	r	r	NOUN
fbem-6054	118	110	-	-	PUNCT
fbem-6054	118	111	squared	square	VERB
fbem-6054	118	112	0.084	0.084	NUM
fbem-6054	118	113	0.082	0.082	NUM
fbem-6054	118	114	0.192	0.192	NUM
fbem-6054	118	115	table	table	NOUN
fbem-6054	118	116	4	4	NUM
fbem-6054	118	117	.	.	PUNCT
fbem-6054	118	118	mechanism	mechanism	NOUN
fbem-6054	118	119	test	test	NOUN
fbem-6054	118	120	(	(	PUNCT
fbem-6054	118	121	1	1	NUM
fbem-6054	118	122	)	)	PUNCT
fbem-6054	118	123	(	(	PUNCT
fbem-6054	118	124	2	2	NUM
fbem-6054	118	125	)	)	PUNCT
fbem-6054	118	126	(	(	PUNCT
fbem-6054	118	127	3	3	X
fbem-6054	118	128	)	)	PUNCT
fbem-6054	118	129	variables	variable	VERB
fbem-6054	118	130	financial	financial	ADJ
fbem-6054	118	131	market	market	NOUN
fbem-6054	118	132	participation	participation	NOUN
fbem-6054	118	133	ols	ol	NOUN
fbem-6054	118	134	low	low	ADJ
fbem-6054	118	135	risk	risk	NOUN
fbem-6054	118	136	market	market	NOUN
fbem-6054	118	137	participation	participation	NOUN
fbem-6054	118	138	ols	ol	NOUN
fbem-6054	118	139	high	high	ADJ
fbem-6054	118	140	risk	risk	NOUN
fbem-6054	118	141	market	market	NOUN
fbem-6054	118	142	participation	participation	NOUN
fbem-6054	118	143	ols	ol	NOUN
fbem-6054	118	144	household	household	NOUN
fbem-6054	118	145	income	income	NOUN
fbem-6054	118	146	0.008	0.008	NUM
fbem-6054	118	147	*	*	PUNCT
fbem-6054	118	148	*	*	PUNCT
fbem-6054	118	149	*	*	PUNCT
fbem-6054	118	150	0.008	0.008	NUM
fbem-6054	118	151	*	*	PUNCT
fbem-6054	118	152	*	*	PUNCT
fbem-6054	118	153	*	*	PUNCT
fbem-6054	118	154	0.002	0.002	NUM
fbem-6054	118	155	*	*	PUNCT
fbem-6054	118	156	*	*	PUNCT
fbem-6054	118	157	*	*	PUNCT
fbem-6054	118	158	(	(	PUNCT
fbem-6054	118	159	0.001	0.001	NUM
fbem-6054	118	160	)	)	PUNCT
fbem-6054	118	161	(	(	PUNCT
fbem-6054	118	162	0.001	0.001	NUM
fbem-6054	118	163	)	)	PUNCT
fbem-6054	118	164	(	(	PUNCT
fbem-6054	118	165	0.001	0.001	NUM
fbem-6054	118	166	)	)	PUNCT
fbem-6054	118	167	male	male	NOUN
fbem-6054	118	168	0.012	0.012	NUM
fbem-6054	118	169	*	*	NOUN
fbem-6054	118	170	*	*	PUNCT
fbem-6054	118	171	*	*	PUNCT
fbem-6054	118	172	0.011	0.011	NUM
fbem-6054	118	173	*	*	PUNCT
fbem-6054	118	174	*	*	PUNCT
fbem-6054	118	175	*	*	PUNCT
fbem-6054	118	176	-0.025	-0.025	PROPN
fbem-6054	118	177	*	*	PUNCT
fbem-6054	118	178	*	*	PUNCT
fbem-6054	118	179	*	*	PUNCT
fbem-6054	118	180	(	(	PUNCT
fbem-6054	118	181	0.004	0.004	NUM
fbem-6054	118	182	)	)	PUNCT
fbem-6054	118	183	(	(	PUNCT
fbem-6054	118	184	0.004	0.004	NUM
fbem-6054	118	185	)	)	PUNCT
fbem-6054	118	186	(	(	PUNCT
fbem-6054	118	187	0.004	0.004	NUM
fbem-6054	118	188	)	)	PUNCT
fbem-6054	118	189	age	age	NOUN
fbem-6054	118	190	squared	square	VERB
fbem-6054	118	191	-0.001	-0.001	NOUN
fbem-6054	118	192	*	*	PUNCT
fbem-6054	118	193	*	*	PUNCT
fbem-6054	118	194	*	*	PUNCT
fbem-6054	118	195	-0.001	-0.001	PUNCT
fbem-6054	119	1	*	*	PUNCT
fbem-6054	119	2	*	*	PUNCT
fbem-6054	119	3	*	*	PUNCT
fbem-6054	119	4	-0.000	-0.000	PUNCT
fbem-6054	119	5	*	*	PUNCT
fbem-6054	119	6	*	*	PUNCT
fbem-6054	119	7	*	*	PUNCT
fbem-6054	119	8	(	(	PUNCT
fbem-6054	119	9	0.000	0.000	NUM
fbem-6054	119	10	)	)	PUNCT
fbem-6054	119	11	(	(	PUNCT
fbem-6054	119	12	0.000	0.000	NUM
fbem-6054	119	13	)	)	PUNCT
fbem-6054	119	14	(	(	PUNCT
fbem-6054	119	15	0.000	0.000	X
fbem-6054	119	16	)	)	PUNCT
fbem-6054	119	17	education	education	NOUN
fbem-6054	119	18	level	level	NOUN
fbem-6054	119	19	0.009	0.009	NUM
fbem-6054	119	20	*	*	PUNCT
fbem-6054	119	21	*	*	PUNCT
fbem-6054	120	1	*	*	NOUN
fbem-6054	120	2	0.009	0.009	NUM
fbem-6054	120	3	*	*	PUNCT
fbem-6054	120	4	*	*	PUNCT
fbem-6054	120	5	*	*	PUNCT
fbem-6054	120	6	0.012	0.012	NUM
fbem-6054	120	7	*	*	PUNCT
fbem-6054	120	8	*	*	PUNCT
fbem-6054	120	9	*	*	PUNCT
fbem-6054	120	10	(	(	PUNCT
fbem-6054	120	11	0.000	0.000	NUM
fbem-6054	120	12	)	)	PUNCT
fbem-6054	120	13	(	(	PUNCT
fbem-6054	120	14	0.000	0.000	NUM
fbem-6054	120	15	)	)	PUNCT
fbem-6054	120	16	(	(	PUNCT
fbem-6054	120	17	0.000	0.000	X
fbem-6054	120	18	)	)	PUNCT
fbem-6054	120	19	health	health	NOUN
fbem-6054	120	20	status	status	NOUN
fbem-6054	120	21	0.009	0.009	NUM
fbem-6054	120	22	*	*	PUNCT
fbem-6054	120	23	*	*	PUNCT
fbem-6054	120	24	*	*	PUNCT
fbem-6054	120	25	0.010	0.010	NUM
fbem-6054	120	26	*	*	PUNCT
fbem-6054	120	27	*	*	PUNCT
fbem-6054	120	28	*	*	PUNCT
fbem-6054	120	29	-0.002	-0.002	PUNCT
fbem-6054	120	30	(	(	PUNCT
fbem-6054	120	31	0.003	0.003	NUM
fbem-6054	120	32	)	)	PUNCT
fbem-6054	120	33	(	(	PUNCT
fbem-6054	120	34	0.003	0.003	NUM
fbem-6054	120	35	)	)	PUNCT
fbem-6054	120	36	(	(	PUNCT
fbem-6054	120	37	0.003	0.003	NUM
fbem-6054	120	38	)	)	PUNCT
fbem-6054	120	39	marital	marital	ADJ
fbem-6054	120	40	status	status	NOUN
fbem-6054	120	41	0.015	0.015	NUM
fbem-6054	120	42	*	*	PUNCT
fbem-6054	120	43	*	*	PUNCT
fbem-6054	120	44	*	*	PUNCT
fbem-6054	120	45	0.016	0.016	NUM
fbem-6054	120	46	*	*	PUNCT
fbem-6054	120	47	*	*	PUNCT
fbem-6054	120	48	*	*	PUNCT
fbem-6054	120	49	0.028	0.028	NUM
fbem-6054	120	50	*	*	NOUN
fbem-6054	120	51	*	*	PUNCT
fbem-6054	120	52	*	*	PUNCT
fbem-6054	120	53	(	(	PUNCT
fbem-6054	120	54	0.005	0.005	NUM
fbem-6054	120	55	)	)	PUNCT
fbem-6054	120	56	(	(	PUNCT
fbem-6054	120	57	0.005	0.005	NUM
fbem-6054	120	58	)	)	PUNCT
fbem-6054	120	59	(	(	PUNCT
fbem-6054	120	60	0.004	0.004	NUM
fbem-6054	120	61	)	)	PUNCT
fbem-6054	120	62	personal	personal	ADJ
fbem-6054	120	63	risk	risk	NOUN
fbem-6054	120	64	appetite	appetite	NOUN
fbem-6054	120	65	0.007	0.007	NUM
fbem-6054	120	66	*	*	NOUN
fbem-6054	120	67	0.007	0.007	NUM
fbem-6054	120	68	*	*	PUNCT
fbem-6054	120	69	0.109	0.109	NUM
fbem-6054	120	70	*	*	PUNCT
fbem-6054	120	71	*	*	PUNCT
fbem-6054	120	72	*	*	PUNCT
fbem-6054	120	73	(	(	PUNCT
fbem-6054	120	74	0.004	0.004	NUM
fbem-6054	120	75	)	)	PUNCT
fbem-6054	120	76	(	(	PUNCT
fbem-6054	120	77	0.004	0.004	NUM
fbem-6054	120	78	)	)	PUNCT
fbem-6054	120	79	(	(	PUNCT
fbem-6054	120	80	0.007	0.007	NUM
fbem-6054	120	81	)	)	PUNCT
fbem-6054	120	82	level	level	NOUN
fbem-6054	120	83	of	of	ADP
fbem-6054	120	84	financial	financial	ADJ
fbem-6054	120	85	information	information	NOUN
fbem-6054	120	86	concern	concern	NOUN
fbem-6054	120	87	0.015	0.015	NUM
fbem-6054	120	88	*	*	PUNCT
fbem-6054	120	89	*	*	PUNCT
fbem-6054	120	90	*	*	PUNCT
fbem-6054	120	91	0.014	0.014	NUM
fbem-6054	120	92	*	*	PUNCT
fbem-6054	120	93	*	*	PUNCT
fbem-6054	120	94	*	*	PUNCT
fbem-6054	120	95	0.139	0.139	NUM
fbem-6054	120	96	*	*	PUNCT
fbem-6054	120	97	*	*	PUNCT
fbem-6054	120	98	*	*	PUNCT
fbem-6054	120	99	(	(	PUNCT
fbem-6054	120	100	0.004	0.004	NUM
fbem-6054	120	101	)	)	PUNCT
fbem-6054	120	102	(	(	PUNCT
fbem-6054	120	103	0.004	0.004	NUM
fbem-6054	120	104	)	)	PUNCT
fbem-6054	120	105	(	(	PUNCT
fbem-6054	120	106	0.006	0.006	NUM
fbem-6054	120	107	)	)	PUNCT
fbem-6054	120	108	family	family	NOUN
fbem-6054	120	109	size	size	NOUN
fbem-6054	120	110	0.008	0.008	NUM
fbem-6054	120	111	*	*	NOUN
fbem-6054	120	112	*	*	PUNCT
fbem-6054	121	1	*	*	NOUN
fbem-6054	121	2	0.009	0.009	NUM
fbem-6054	121	3	*	*	PUNCT
fbem-6054	121	4	*	*	PUNCT
fbem-6054	121	5	*	*	PUNCT
fbem-6054	121	6	-0.004	-0.004	PUNCT
fbem-6054	121	7	*	*	PUNCT
fbem-6054	121	8	*	*	PUNCT
fbem-6054	121	9	*	*	PUNCT
fbem-6054	121	10	(	(	PUNCT
fbem-6054	121	11	0.001	0.001	NUM
fbem-6054	121	12	)	)	PUNCT
fbem-6054	121	13	(	(	PUNCT
fbem-6054	121	14	0.001	0.001	NUM
fbem-6054	121	15	)	)	PUNCT
fbem-6054	121	16	(	(	PUNCT
fbem-6054	121	17	0.001	0.001	NUM
fbem-6054	121	18	)	)	PUNCT
fbem-6054	121	19	household	household	NOUN
fbem-6054	121	20	net	net	ADJ
fbem-6054	121	21	worth(ln	worth(ln	NOUN
fbem-6054	121	22	)	)	PUNCT
fbem-6054	121	23	0.005	0.005	NUM
fbem-6054	121	24	*	*	PUNCT
fbem-6054	121	25	*	*	PUNCT
fbem-6054	121	26	*	*	NOUN
fbem-6054	121	27	0.005	0.005	NUM
fbem-6054	121	28	*	*	PUNCT
fbem-6054	121	29	*	*	PUNCT
fbem-6054	121	30	*	*	PUNCT
fbem-6054	121	31	0.004	0.004	NUM
fbem-6054	121	32	*	*	PUNCT
fbem-6054	121	33	*	*	PUNCT
fbem-6054	121	34	*	*	PUNCT
fbem-6054	121	35	(	(	PUNCT
fbem-6054	121	36	0.000	0.000	NUM
fbem-6054	121	37	)	)	PUNCT
fbem-6054	121	38	(	(	PUNCT
fbem-6054	121	39	0.000	0.000	NUM
fbem-6054	121	40	)	)	PUNCT
fbem-6054	121	41	(	(	PUNCT
fbem-6054	121	42	0.000	0.000	X
fbem-6054	121	43	)	)	PUNCT
fbem-6054	121	44	city	city	NOUN
fbem-6054	121	45	0.008	0.008	NUM
fbem-6054	121	46	*	*	NOUN
fbem-6054	121	47	*	*	PUNCT
fbem-6054	121	48	0.008	0.008	NUM
fbem-6054	121	49	*	*	NOUN
fbem-6054	121	50	*	*	X
fbem-6054	121	51	0.037	0.037	NUM
fbem-6054	121	52	*	*	PUNCT
fbem-6054	121	53	*	*	PUNCT
fbem-6054	121	54	*	*	PUNCT
fbem-6054	121	55	(	(	PUNCT
fbem-6054	121	56	0.004	0.004	NUM
fbem-6054	121	57	)	)	PUNCT
fbem-6054	121	58	(	(	PUNCT
fbem-6054	121	59	0.004	0.004	NUM
fbem-6054	121	60	)	)	PUNCT
fbem-6054	121	61	(	(	PUNCT
fbem-6054	121	62	0.002	0.002	NUM
fbem-6054	121	63	)	)	PUNCT
fbem-6054	121	64	ln_gdp	ln_gdp	PROPN
fbem-6054	121	65	0.028	0.028	NUM
fbem-6054	121	66	*	*	NOUN
fbem-6054	121	67	0.035	0.035	NUM
fbem-6054	121	68	*	*	PUNCT
fbem-6054	121	69	*	*	PUNCT
fbem-6054	121	70	0.322	0.322	NUM
fbem-6054	121	71	*	*	PUNCT
fbem-6054	121	72	*	*	PUNCT
fbem-6054	121	73	*	*	PUNCT
fbem-6054	121	74	(	(	PUNCT
fbem-6054	121	75	0.015	0.015	NUM
fbem-6054	121	76	)	)	PUNCT
fbem-6054	121	77	(	(	PUNCT
fbem-6054	121	78	0.016	0.016	NUM
fbem-6054	121	79	)	)	PUNCT
fbem-6054	121	80	(	(	PUNCT
fbem-6054	121	81	0.018	0.018	NUM
fbem-6054	121	82	)	)	PUNCT
fbem-6054	121	83	province	province	NOUN
fbem-6054	121	84	control	control	PROPN
fbem-6054	121	85	control	control	PROPN
fbem-6054	121	86	control	control	PROPN
fbem-6054	121	87	observations	observation	NOUN
fbem-6054	121	88	38,442	38,442	NUM
fbem-6054	121	89	38,442	38,442	NUM
fbem-6054	121	90	38,442	38,442	NUM
fbem-6054	121	91	r	r	NOUN
fbem-6054	121	92	-	-	PUNCT
fbem-6054	121	93	squared	square	VERB
fbem-6054	121	94	0.073	0.073	NUM
fbem-6054	121	95	0.072	0.072	NUM
fbem-6054	121	96	0.168	0.168	NUM
fbem-6054	121	97	132	132	NUM
fbem-6054	121	98	6	6	NUM
fbem-6054	121	99	.	.	PUNCT
fbem-6054	121	100	robustness	robustness	NOUN
fbem-6054	121	101	test	test	NOUN
fbem-6054	121	102	in	in	ADP
fbem-6054	121	103	this	this	DET
fbem-6054	121	104	study	study	NOUN
fbem-6054	121	105	,	,	PUNCT
fbem-6054	121	106	the	the	DET
fbem-6054	121	107	explanatory	explanatory	ADJ
fbem-6054	121	108	variable	variable	ADJ
fbem-6054	121	109	"	"	PUNCT
fbem-6054	121	110	digital	digital	ADJ
fbem-6054	121	111	divide	divide	NOUN
fbem-6054	121	112	"	"	PUNCT
fbem-6054	121	113	was	be	AUX
fbem-6054	121	114	replaced	replace	VERB
fbem-6054	121	115	with	with	ADP
fbem-6054	121	116	alternative	alternative	ADJ
fbem-6054	121	117	variables	variable	NOUN
fbem-6054	121	118	to	to	PART
fbem-6054	121	119	further	far	ADV
fbem-6054	121	120	test	test	VERB
fbem-6054	121	121	the	the	DET
fbem-6054	121	122	robustness	robustness	NOUN
fbem-6054	121	123	of	of	ADP
fbem-6054	121	124	empirical	empirical	ADJ
fbem-6054	121	125	results	result	NOUN
fbem-6054	121	126	.	.	PUNCT
fbem-6054	122	1	specifically	specifically	ADV
fbem-6054	122	2	,	,	PUNCT
fbem-6054	122	3	"	"	PUNCT
fbem-6054	122	4	access	access	NOUN
fbem-6054	122	5	divide	divide	NOUN
fbem-6054	122	6	"	"	PUNCT
fbem-6054	122	7	was	be	AUX
fbem-6054	122	8	replaced	replace	VERB
fbem-6054	122	9	with	with	ADP
fbem-6054	122	10	"	"	PUNCT
fbem-6054	122	11	broadband	broadband	NOUN
fbem-6054	122	12	coverage	coverage	NOUN
fbem-6054	122	13	"	"	PUNCT
fbem-6054	122	14	where	where	SCONJ
fbem-6054	122	15	a	a	DET
fbem-6054	122	16	value	value	NOUN
fbem-6054	122	17	of	of	ADP
fbem-6054	122	18	1	1	NUM
fbem-6054	122	19	indicates	indicate	VERB
fbem-6054	122	20	broadband	broadband	NOUN
fbem-6054	122	21	coverage	coverage	NOUN
fbem-6054	122	22	and	and	CCONJ
fbem-6054	122	23	0	0	NUM
fbem-6054	122	24	indicates	indicate	VERB
fbem-6054	122	25	no	no	DET
fbem-6054	122	26	coverage	coverage	NOUN
fbem-6054	122	27	.	.	PUNCT
fbem-6054	123	1	"	"	PUNCT
fbem-6054	123	2	use	use	NOUN
fbem-6054	123	3	divide	divide	NOUN
fbem-6054	123	4	"	"	PUNCT
fbem-6054	123	5	was	be	AUX
fbem-6054	123	6	replaced	replace	VERB
fbem-6054	123	7	with	with	ADP
fbem-6054	123	8	"	"	PUNCT
fbem-6054	123	9	electronic	electronic	ADJ
fbem-6054	123	10	payment	payment	NOUN
fbem-6054	123	11	"	"	PUNCT
fbem-6054	123	12	where	where	SCONJ
fbem-6054	123	13	a	a	DET
fbem-6054	123	14	value	value	NOUN
fbem-6054	123	15	of	of	ADP
fbem-6054	123	16	1	1	NUM
fbem-6054	123	17	indicates	indicate	VERB
fbem-6054	123	18	the	the	DET
fbem-6054	123	19	presence	presence	NOUN
fbem-6054	123	20	of	of	ADP
fbem-6054	123	21	electronic	electronic	ADJ
fbem-6054	123	22	payment	payment	NOUN
fbem-6054	123	23	and	and	CCONJ
fbem-6054	123	24	0	0	NUM
fbem-6054	123	25	indicates	indicate	VERB
fbem-6054	123	26	no	no	DET
fbem-6054	123	27	electronic	electronic	ADJ
fbem-6054	123	28	payment	payment	NOUN
fbem-6054	123	29	.	.	PUNCT
fbem-6054	124	1	if	if	SCONJ
fbem-6054	124	2	a	a	DET
fbem-6054	124	3	household	household	NOUN
fbem-6054	124	4	has	have	VERB
fbem-6054	124	5	broadband	broadband	NOUN
fbem-6054	124	6	coverage	coverage	NOUN
fbem-6054	124	7	and	and	CCONJ
fbem-6054	124	8	uses	use	VERB
fbem-6054	124	9	electronic	electronic	ADJ
fbem-6054	124	10	payment	payment	NOUN
fbem-6054	124	11	,	,	PUNCT
fbem-6054	124	12	it	it	PRON
fbem-6054	124	13	is	be	AUX
fbem-6054	124	14	defined	define	VERB
fbem-6054	124	15	as	as	ADP
fbem-6054	124	16	having	have	VERB
fbem-6054	124	17	no	no	DET
fbem-6054	124	18	digital	digital	ADJ
fbem-6054	124	19	divide	divide	NOUN
fbem-6054	124	20	;	;	PUNCT
fbem-6054	124	21	otherwise	otherwise	ADV
fbem-6054	124	22	,	,	PUNCT
fbem-6054	124	23	it	it	PRON
fbem-6054	124	24	is	be	AUX
fbem-6054	124	25	defined	define	VERB
fbem-6054	124	26	as	as	ADP
fbem-6054	124	27	having	have	VERB
fbem-6054	124	28	a	a	DET
fbem-6054	124	29	digital	digital	ADJ
fbem-6054	124	30	divide	divide	NOUN
fbem-6054	124	31	.	.	PUNCT
fbem-6054	125	1	the	the	DET
fbem-6054	125	2	empirical	empirical	ADJ
fbem-6054	125	3	results	result	NOUN
fbem-6054	125	4	of	of	ADP
fbem-6054	125	5	model	model	NOUN
fbem-6054	125	6	(	(	PUNCT
fbem-6054	125	7	3	3	X
fbem-6054	125	8	)	)	PUNCT
fbem-6054	125	9	are	be	AUX
fbem-6054	125	10	presented	present	VERB
fbem-6054	125	11	in	in	ADP
fbem-6054	125	12	table	table	NOUN
fbem-6054	125	13	5	5	NUM
fbem-6054	125	14	.	.	PUNCT
fbem-6054	126	1	in	in	ADP
fbem-6054	126	2	table	table	NOUN
fbem-6054	126	3	5	5	NUM
fbem-6054	126	4	,	,	PUNCT
fbem-6054	126	5	the	the	DET
fbem-6054	126	6	first	first	ADJ
fbem-6054	126	7	column	column	NOUN
fbem-6054	126	8	reports	report	VERB
fbem-6054	126	9	the	the	DET
fbem-6054	126	10	linear	linear	ADJ
fbem-6054	126	11	regression	regression	NOUN
fbem-6054	126	12	results	result	NOUN
fbem-6054	126	13	for	for	ADP
fbem-6054	126	14	the	the	DET
fbem-6054	126	15	impact	impact	NOUN
fbem-6054	126	16	of	of	ADP
fbem-6054	126	17	the	the	DET
fbem-6054	126	18	replaced	replace	VERB
fbem-6054	126	19	variable	variable	NOUN
fbem-6054	126	20	of	of	ADP
fbem-6054	126	21	the	the	DET
fbem-6054	126	22	digital	digital	ADJ
fbem-6054	126	23	divide	divide	NOUN
fbem-6054	126	24	on	on	ADP
fbem-6054	126	25	financial	financial	ADJ
fbem-6054	126	26	market	market	NOUN
fbem-6054	126	27	participation	participation	NOUN
fbem-6054	126	28	,	,	PUNCT
fbem-6054	126	29	and	and	CCONJ
fbem-6054	126	30	the	the	DET
fbem-6054	126	31	second	second	ADJ
fbem-6054	126	32	and	and	CCONJ
fbem-6054	126	33	third	third	ADJ
fbem-6054	126	34	columns	column	NOUN
fbem-6054	126	35	respectively	respectively	ADV
fbem-6054	126	36	estimate	estimate	VERB
fbem-6054	126	37	the	the	DET
fbem-6054	126	38	impact	impact	NOUN
fbem-6054	126	39	of	of	ADP
fbem-6054	126	40	the	the	DET
fbem-6054	126	41	replaced	replace	VERB
fbem-6054	126	42	variable	variable	NOUN
fbem-6054	126	43	of	of	ADP
fbem-6054	126	44	the	the	DET
fbem-6054	126	45	digital	digital	ADJ
fbem-6054	126	46	divide	divide	NOUN
fbem-6054	126	47	on	on	ADP
fbem-6054	126	48	low	low	ADJ
fbem-6054	126	49	-	-	PUNCT
fbem-6054	126	50	risk	risk	NOUN
fbem-6054	126	51	and	and	CCONJ
fbem-6054	126	52	high	high	ADJ
fbem-6054	126	53	-	-	PUNCT
fbem-6054	126	54	risk	risk	NOUN
fbem-6054	126	55	financial	financial	ADJ
fbem-6054	126	56	market	market	NOUN
fbem-6054	126	57	participation	participation	NOUN
fbem-6054	126	58	.	.	PUNCT
fbem-6054	127	1	as	as	SCONJ
fbem-6054	127	2	shown	show	VERB
fbem-6054	127	3	in	in	ADP
fbem-6054	127	4	the	the	DET
fbem-6054	127	5	first	first	ADJ
fbem-6054	127	6	,	,	PUNCT
fbem-6054	127	7	second	second	ADJ
fbem-6054	127	8	,	,	PUNCT
fbem-6054	127	9	and	and	CCONJ
fbem-6054	127	10	third	third	ADJ
fbem-6054	127	11	columns	column	NOUN
fbem-6054	127	12	,	,	PUNCT
fbem-6054	127	13	the	the	DET
fbem-6054	127	14	replaced	replace	VERB
fbem-6054	127	15	variable	variable	NOUN
fbem-6054	127	16	of	of	ADP
fbem-6054	127	17	the	the	DET
fbem-6054	127	18	digital	digital	ADJ
fbem-6054	127	19	divide	divide	NOUN
fbem-6054	127	20	still	still	ADV
fbem-6054	127	21	significantly	significantly	ADV
fbem-6054	127	22	reduces	reduce	VERB
fbem-6054	127	23	household	household	NOUN
fbem-6054	127	24	financial	financial	ADJ
fbem-6054	127	25	market	market	NOUN
fbem-6054	127	26	participation	participation	NOUN
fbem-6054	127	27	at	at	ADP
fbem-6054	127	28	the	the	DET
fbem-6054	127	29	1	1	NUM
fbem-6054	127	30	%	%	NOUN
fbem-6054	127	31	confidence	confidence	NOUN
fbem-6054	127	32	level	level	NOUN
fbem-6054	127	33	.	.	PUNCT
fbem-6054	128	1	through	through	ADP
fbem-6054	128	2	the	the	DET
fbem-6054	128	3	robustness	robustness	NOUN
fbem-6054	128	4	checks	check	NOUN
fbem-6054	128	5	described	describe	VERB
fbem-6054	128	6	above	above	ADV
fbem-6054	128	7	,	,	PUNCT
fbem-6054	128	8	it	it	PRON
fbem-6054	128	9	is	be	AUX
fbem-6054	128	10	found	find	VERB
fbem-6054	128	11	that	that	SCONJ
fbem-6054	128	12	the	the	DET
fbem-6054	128	13	digital	digital	ADJ
fbem-6054	128	14	divide	divide	NOUN
fbem-6054	128	15	has	have	VERB
fbem-6054	128	16	a	a	DET
fbem-6054	128	17	significant	significant	ADJ
fbem-6054	128	18	negative	negative	ADJ
fbem-6054	128	19	effect	effect	NOUN
fbem-6054	128	20	on	on	ADP
fbem-6054	128	21	financial	financial	ADJ
fbem-6054	128	22	market	market	NOUN
fbem-6054	128	23	participation	participation	NOUN
fbem-6054	128	24	,	,	PUNCT
fbem-6054	128	25	which	which	PRON
fbem-6054	128	26	confirms	confirm	VERB
fbem-6054	128	27	the	the	DET
fbem-6054	128	28	robustness	robustness	NOUN
fbem-6054	128	29	of	of	ADP
fbem-6054	128	30	the	the	DET
fbem-6054	128	31	estimation	estimation	NOUN
fbem-6054	128	32	results	result	NOUN
fbem-6054	128	33	.	.	PUNCT
fbem-6054	129	1	table	table	NOUN
fbem-6054	129	2	5	5	NUM
fbem-6054	129	3	.	.	PUNCT
fbem-6054	130	1	robustness	robustness	NOUN
fbem-6054	130	2	tests	test	NOUN
fbem-6054	130	3	(	(	PUNCT
fbem-6054	130	4	1	1	NUM
fbem-6054	130	5	)	)	PUNCT
fbem-6054	130	6	(	(	PUNCT
fbem-6054	130	7	2	2	NUM
fbem-6054	130	8	)	)	PUNCT
fbem-6054	130	9	(	(	PUNCT
fbem-6054	130	10	3	3	X
fbem-6054	130	11	)	)	PUNCT
fbem-6054	130	12	variables	variable	VERB
fbem-6054	130	13	financial	financial	ADJ
fbem-6054	130	14	market	market	NOUN
fbem-6054	130	15	participation	participation	NOUN
fbem-6054	130	16	ols	ol	NOUN
fbem-6054	130	17	low	low	ADJ
fbem-6054	130	18	risk	risk	NOUN
fbem-6054	130	19	market	market	NOUN
fbem-6054	130	20	participation	participation	NOUN
fbem-6054	130	21	ols	ol	NOUN
fbem-6054	130	22	high	high	ADJ
fbem-6054	130	23	risk	risk	NOUN
fbem-6054	130	24	market	market	NOUN
fbem-6054	130	25	participation	participation	NOUN
fbem-6054	130	26	ols	ol	NOUN
fbem-6054	130	27	digital	digital	ADJ
fbem-6054	130	28	divide	divide	NOUN
fbem-6054	130	29	-0.030	-0.030	PUNCT
fbem-6054	130	30	*	*	PUNCT
fbem-6054	130	31	*	*	PUNCT
fbem-6054	130	32	*	*	PUNCT
fbem-6054	130	33	-0.033	-0.033	PUNCT
fbem-6054	130	34	*	*	PUNCT
fbem-6054	130	35	*	*	PUNCT
fbem-6054	130	36	*	*	NOUN
fbem-6054	130	37	-0.110	-0.110	NOUN
fbem-6054	130	38	*	*	PUNCT
fbem-6054	130	39	*	*	PUNCT
fbem-6054	130	40	*	*	PUNCT
fbem-6054	130	41	(	(	PUNCT
fbem-6054	130	42	0.003	0.003	NUM
fbem-6054	130	43	)	)	PUNCT
fbem-6054	130	44	(	(	PUNCT
fbem-6054	130	45	0.003	0.003	NUM
fbem-6054	130	46	)	)	PUNCT
fbem-6054	130	47	(	(	PUNCT
fbem-6054	130	48	0.004	0.004	NUM
fbem-6054	130	49	)	)	PUNCT
fbem-6054	130	50	male	male	NOUN
fbem-6054	130	51	0.013	0.013	NUM
fbem-6054	130	52	*	*	NOUN
fbem-6054	130	53	*	*	PUNCT
fbem-6054	130	54	*	*	PUNCT
fbem-6054	130	55	0.012	0.012	NUM
fbem-6054	130	56	*	*	NOUN
fbem-6054	130	57	*	*	PUNCT
fbem-6054	130	58	*	*	PUNCT
fbem-6054	131	1	-0.022	-0.022	PUNCT
fbem-6054	131	2	*	*	PUNCT
fbem-6054	131	3	*	*	PUNCT
fbem-6054	131	4	*	*	PUNCT
fbem-6054	131	5	(	(	PUNCT
fbem-6054	131	6	0.004	0.004	NUM
fbem-6054	131	7	)	)	PUNCT
fbem-6054	131	8	(	(	PUNCT
fbem-6054	131	9	0.004	0.004	NUM
fbem-6054	131	10	)	)	PUNCT
fbem-6054	131	11	(	(	PUNCT
fbem-6054	131	12	0.004	0.004	NUM
fbem-6054	131	13	)	)	PUNCT
fbem-6054	131	14	age	age	NOUN
fbem-6054	131	15	squared	square	VERB
fbem-6054	131	16	-0.001	-0.001	NOUN
fbem-6054	131	17	*	*	PUNCT
fbem-6054	131	18	*	*	PUNCT
fbem-6054	131	19	*	*	PUNCT
fbem-6054	131	20	-0.001	-0.001	PUNCT
fbem-6054	132	1	*	*	PUNCT
fbem-6054	132	2	*	*	PUNCT
fbem-6054	132	3	*	*	PUNCT
fbem-6054	133	1	0.000	0.000	NUM
fbem-6054	133	2	*	*	PUNCT
fbem-6054	133	3	*	*	PUNCT
fbem-6054	133	4	*	*	PUNCT
fbem-6054	133	5	(	(	PUNCT
fbem-6054	133	6	0.000	0.000	NUM
fbem-6054	133	7	)	)	PUNCT
fbem-6054	133	8	(	(	PUNCT
fbem-6054	133	9	0.000	0.000	NUM
fbem-6054	133	10	)	)	PUNCT
fbem-6054	133	11	(	(	PUNCT
fbem-6054	133	12	0.000	0.000	X
fbem-6054	133	13	)	)	PUNCT
fbem-6054	133	14	education	education	NOUN
fbem-6054	133	15	level	level	NOUN
fbem-6054	133	16	0.008	0.008	NUM
fbem-6054	133	17	*	*	NOUN
fbem-6054	133	18	*	*	PUNCT
fbem-6054	133	19	*	*	PUNCT
fbem-6054	133	20	0.008	0.008	NUM
fbem-6054	133	21	*	*	PUNCT
fbem-6054	133	22	*	*	PUNCT
fbem-6054	133	23	*	*	PUNCT
fbem-6054	134	1	0.010	0.010	NUM
fbem-6054	134	2	*	*	PUNCT
fbem-6054	134	3	*	*	PUNCT
fbem-6054	134	4	*	*	PUNCT
fbem-6054	134	5	(	(	PUNCT
fbem-6054	134	6	0.000	0.000	NUM
fbem-6054	134	7	)	)	PUNCT
fbem-6054	134	8	(	(	PUNCT
fbem-6054	134	9	0.000	0.000	NUM
fbem-6054	134	10	)	)	PUNCT
fbem-6054	134	11	(	(	PUNCT
fbem-6054	134	12	0.000	0.000	X
fbem-6054	134	13	)	)	PUNCT
fbem-6054	134	14	health	health	NOUN
fbem-6054	134	15	status	status	NOUN
fbem-6054	134	16	0.007	0.007	NUM
fbem-6054	134	17	*	*	PUNCT
fbem-6054	134	18	*	*	PUNCT
fbem-6054	134	19	*	*	PUNCT
fbem-6054	134	20	0.008	0.008	NUM
fbem-6054	134	21	*	*	NOUN
fbem-6054	134	22	*	*	PUNCT
fbem-6054	134	23	*	*	PUNCT
fbem-6054	134	24	-0.007	-0.007	PUNCT
fbem-6054	134	25	*	*	PUNCT
fbem-6054	134	26	*	*	PUNCT
fbem-6054	134	27	(	(	PUNCT
fbem-6054	134	28	0.003	0.003	NUM
fbem-6054	134	29	)	)	PUNCT
fbem-6054	134	30	(	(	PUNCT
fbem-6054	134	31	0.003	0.003	NUM
fbem-6054	134	32	)	)	PUNCT
fbem-6054	134	33	(	(	PUNCT
fbem-6054	134	34	0.003	0.003	NUM
fbem-6054	134	35	)	)	PUNCT
fbem-6054	134	36	marital	marital	ADJ
fbem-6054	134	37	status	status	NOUN
fbem-6054	134	38	0.017	0.017	NUM
fbem-6054	134	39	*	*	PUNCT
fbem-6054	134	40	*	*	PUNCT
fbem-6054	134	41	*	*	PUNCT
fbem-6054	134	42	0.017	0.017	NUM
fbem-6054	134	43	*	*	PUNCT
fbem-6054	134	44	*	*	PUNCT
fbem-6054	134	45	*	*	PUNCT
fbem-6054	134	46	0.034	0.034	NUM
fbem-6054	134	47	*	*	PUNCT
fbem-6054	134	48	*	*	PUNCT
fbem-6054	134	49	*	*	PUNCT
fbem-6054	134	50	(	(	PUNCT
fbem-6054	134	51	0.005	0.005	NUM
fbem-6054	134	52	)	)	PUNCT
fbem-6054	134	53	(	(	PUNCT
fbem-6054	134	54	0.005	0.005	NUM
fbem-6054	134	55	)	)	PUNCT
fbem-6054	134	56	(	(	PUNCT
fbem-6054	134	57	0.004	0.004	NUM
fbem-6054	134	58	)	)	PUNCT
fbem-6054	134	59	personal	personal	ADJ
fbem-6054	134	60	risk	risk	NOUN
fbem-6054	134	61	appetite	appetite	NOUN
fbem-6054	134	62	0.004	0.004	NUM
fbem-6054	134	63	0.004	0.004	NUM
fbem-6054	134	64	0.097	0.097	NUM
fbem-6054	134	65	*	*	PUNCT
fbem-6054	134	66	*	*	PUNCT
fbem-6054	134	67	*	*	PUNCT
fbem-6054	134	68	(	(	PUNCT
fbem-6054	134	69	0.004	0.004	NUM
fbem-6054	134	70	)	)	PUNCT
fbem-6054	134	71	(	(	PUNCT
fbem-6054	134	72	0.004	0.004	NUM
fbem-6054	134	73	)	)	PUNCT
fbem-6054	134	74	(	(	PUNCT
fbem-6054	134	75	0.007	0.007	NUM
fbem-6054	134	76	)	)	PUNCT
fbem-6054	134	77	level	level	NOUN
fbem-6054	134	78	of	of	ADP
fbem-6054	134	79	financial	financial	ADJ
fbem-6054	134	80	information	information	NOUN
fbem-6054	134	81	concern	concern	NOUN
fbem-6054	134	82	0.013	0.013	NUM
fbem-6054	134	83	*	*	PUNCT
fbem-6054	134	84	*	*	PUNCT
fbem-6054	134	85	*	*	PUNCT
fbem-6054	134	86	0.012	0.012	NUM
fbem-6054	134	87	*	*	PUNCT
fbem-6054	134	88	*	*	PUNCT
fbem-6054	134	89	*	*	PUNCT
fbem-6054	134	90	0.132	0.132	NUM
fbem-6054	134	91	*	*	PUNCT
fbem-6054	134	92	*	*	PUNCT
fbem-6054	134	93	*	*	PUNCT
fbem-6054	134	94	(	(	PUNCT
fbem-6054	134	95	0.004	0.004	NUM
fbem-6054	134	96	)	)	PUNCT
fbem-6054	134	97	(	(	PUNCT
fbem-6054	134	98	0.004	0.004	NUM
fbem-6054	134	99	)	)	PUNCT
fbem-6054	134	100	(	(	PUNCT
fbem-6054	134	101	0.006	0.006	NUM
fbem-6054	134	102	)	)	PUNCT
fbem-6054	134	103	family	family	NOUN
fbem-6054	134	104	size	size	NOUN
fbem-6054	134	105	0.008	0.008	NUM
fbem-6054	134	106	*	*	NOUN
fbem-6054	134	107	*	*	PUNCT
fbem-6054	134	108	*	*	PUNCT
fbem-6054	134	109	0.008	0.008	NUM
fbem-6054	134	110	*	*	NOUN
fbem-6054	134	111	*	*	PUNCT
fbem-6054	134	112	*	*	PUNCT
fbem-6054	134	113	-0.006	-0.006	PUNCT
fbem-6054	134	114	*	*	PUNCT
fbem-6054	134	115	*	*	PUNCT
fbem-6054	134	116	*	*	PUNCT
fbem-6054	134	117	(	(	PUNCT
fbem-6054	134	118	0.001	0.001	NUM
fbem-6054	134	119	)	)	PUNCT
fbem-6054	134	120	(	(	PUNCT
fbem-6054	134	121	0.001	0.001	NUM
fbem-6054	134	122	)	)	PUNCT
fbem-6054	134	123	(	(	PUNCT
fbem-6054	134	124	0.001	0.001	NUM
fbem-6054	134	125	)	)	PUNCT
fbem-6054	134	126	household	household	NOUN
fbem-6054	134	127	net	net	ADJ
fbem-6054	134	128	worth(ln	worth(ln	NOUN
fbem-6054	134	129	)	)	PUNCT
fbem-6054	134	130	0.005	0.005	NUM
fbem-6054	134	131	*	*	PUNCT
fbem-6054	134	132	*	*	PUNCT
fbem-6054	134	133	*	*	NOUN
fbem-6054	134	134	0.005	0.005	NUM
fbem-6054	134	135	*	*	PUNCT
fbem-6054	134	136	*	*	PUNCT
fbem-6054	134	137	*	*	PUNCT
fbem-6054	134	138	0.003	0.003	NUM
fbem-6054	134	139	*	*	PUNCT
fbem-6054	134	140	*	*	PUNCT
fbem-6054	134	141	*	*	PUNCT
fbem-6054	134	142	(	(	PUNCT
fbem-6054	134	143	0.000	0.000	NUM
fbem-6054	134	144	)	)	PUNCT
fbem-6054	134	145	(	(	PUNCT
fbem-6054	134	146	0.000	0.000	NUM
fbem-6054	134	147	)	)	PUNCT
fbem-6054	134	148	(	(	PUNCT
fbem-6054	134	149	0.000	0.000	X
fbem-6054	134	150	)	)	PUNCT
fbem-6054	134	151	household	household	NOUN
fbem-6054	134	152	income(ln	income(ln	ADJ
fbem-6054	134	153	)	)	PUNCT
fbem-6054	134	154	0.008	0.008	NUM
fbem-6054	134	155	*	*	PUNCT
fbem-6054	134	156	*	*	PUNCT
fbem-6054	134	157	*	*	PUNCT
fbem-6054	135	1	0.008	0.008	NUM
fbem-6054	135	2	*	*	PUNCT
fbem-6054	135	3	*	*	PUNCT
fbem-6054	135	4	*	*	X
fbem-6054	135	5	0.001	0.001	NUM
fbem-6054	135	6	(	(	PUNCT
fbem-6054	135	7	0.001	0.001	NUM
fbem-6054	135	8	)	)	PUNCT
fbem-6054	135	9	(	(	PUNCT
fbem-6054	135	10	0.001	0.001	NUM
fbem-6054	135	11	)	)	PUNCT
fbem-6054	135	12	(	(	PUNCT
fbem-6054	135	13	0.001	0.001	NUM
fbem-6054	135	14	)	)	PUNCT
fbem-6054	135	15	city	city	NOUN
fbem-6054	135	16	0.004	0.004	NUM
fbem-6054	135	17	0.004	0.004	NUM
fbem-6054	135	18	0.023	0.023	NUM
fbem-6054	135	19	*	*	PUNCT
fbem-6054	135	20	*	*	PUNCT
fbem-6054	135	21	*	*	PUNCT
fbem-6054	135	22	(	(	PUNCT
fbem-6054	135	23	0.004	0.004	NUM
fbem-6054	135	24	)	)	PUNCT
fbem-6054	135	25	(	(	PUNCT
fbem-6054	135	26	0.004	0.004	NUM
fbem-6054	135	27	)	)	PUNCT
fbem-6054	135	28	(	(	PUNCT
fbem-6054	135	29	0.002	0.002	NUM
fbem-6054	135	30	)	)	PUNCT
fbem-6054	135	31	ln_gdp	ln_gdp	PROPN
fbem-6054	135	32	0.023	0.023	NUM
fbem-6054	135	33	0.030	0.030	NUM
fbem-6054	135	34	*	*	NOUN
fbem-6054	135	35	0.304	0.304	NUM
fbem-6054	135	36	*	*	PUNCT
fbem-6054	135	37	*	*	PUNCT
fbem-6054	135	38	*	*	PUNCT
fbem-6054	135	39	(	(	PUNCT
fbem-6054	135	40	0.015	0.015	NUM
fbem-6054	135	41	)	)	PUNCT
fbem-6054	135	42	(	(	PUNCT
fbem-6054	135	43	0.015	0.015	NUM
fbem-6054	135	44	)	)	PUNCT
fbem-6054	135	45	(	(	PUNCT
fbem-6054	135	46	0.017	0.017	NUM
fbem-6054	135	47	)	)	PUNCT
fbem-6054	135	48	province	province	NOUN
fbem-6054	135	49	control	control	PROPN
fbem-6054	135	50	control	control	PROPN
fbem-6054	135	51	control	control	PROPN
fbem-6054	135	52	sample	sample	PROPN
fbem-6054	135	53	size	size	NOUN
fbem-6054	135	54	38442	38442	NUM
fbem-6054	135	55	38442	38442	NUM
fbem-6054	135	56	38442	38442	NUM
fbem-6054	135	57	r	r	NOUN
fbem-6054	135	58	-	-	PUNCT
fbem-6054	135	59	squared	square	VERB
fbem-6054	135	60	0.075	0.075	NUM
fbem-6054	135	61	0.074	0.074	NUM
fbem-6054	135	62	0.189	0.189	NUM
fbem-6054	135	63	7	7	NUM
fbem-6054	135	64	.	.	PUNCT
fbem-6054	136	1	conclusion	conclusion	NOUN
fbem-6054	136	2	this	this	DET
fbem-6054	136	3	study	study	NOUN
fbem-6054	136	4	utilizes	utilize	VERB
fbem-6054	136	5	microdata	microdata	NOUN
fbem-6054	136	6	from	from	ADP
fbem-6054	136	7	the	the	DET
fbem-6054	136	8	2017	2017	NUM
fbem-6054	136	9	china	china	PROPN
fbem-6054	136	10	household	household	NOUN
fbem-6054	136	11	finance	finance	NOUN
fbem-6054	136	12	survey	survey	NOUN
fbem-6054	136	13	to	to	PART
fbem-6054	136	14	measure	measure	VERB
fbem-6054	136	15	the	the	DET
fbem-6054	136	16	digital	digital	ADJ
fbem-6054	136	17	divide	divide	NOUN
fbem-6054	136	18	at	at	ADP
fbem-6054	136	19	the	the	DET
fbem-6054	136	20	household	household	NOUN
fbem-6054	136	21	level	level	NOUN
fbem-6054	136	22	in	in	ADP
fbem-6054	136	23	terms	term	NOUN
fbem-6054	136	24	of	of	ADP
fbem-6054	136	25	access	access	NOUN
fbem-6054	136	26	and	and	CCONJ
fbem-6054	136	27	use	use	NOUN
fbem-6054	136	28	.	.	PUNCT
fbem-6054	137	1	the	the	DET
fbem-6054	137	2	impact	impact	NOUN
fbem-6054	137	3	of	of	ADP
fbem-6054	137	4	the	the	DET
fbem-6054	137	5	digital	digital	ADJ
fbem-6054	137	6	divide	divide	NOUN
fbem-6054	137	7	on	on	ADP
fbem-6054	137	8	household	household	NOUN
fbem-6054	137	9	participation	participation	NOUN
fbem-6054	137	10	in	in	ADP
fbem-6054	137	11	the	the	DET
fbem-6054	137	12	financial	financial	ADJ
fbem-6054	137	13	market	market	NOUN
fbem-6054	137	14	is	be	AUX
fbem-6054	137	15	empirically	empirically	ADV
fbem-6054	137	16	analyzed	analyze	VERB
fbem-6054	137	17	.	.	PUNCT
fbem-6054	138	1	the	the	DET
fbem-6054	138	2	findings	finding	NOUN
fbem-6054	138	3	show	show	VERB
fbem-6054	138	4	that	that	SCONJ
fbem-6054	138	5	:	:	PUNCT
fbem-6054	138	6	first	first	ADV
fbem-6054	138	7	,	,	PUNCT
fbem-6054	138	8	the	the	DET
fbem-6054	138	9	digital	digital	ADJ
fbem-6054	138	10	divide	divide	NOUN
fbem-6054	138	11	significantly	significantly	ADV
fbem-6054	138	12	reduces	reduce	VERB
fbem-6054	138	13	household	household	NOUN
fbem-6054	138	14	participation	participation	NOUN
fbem-6054	138	15	in	in	ADP
fbem-6054	138	16	the	the	DET
fbem-6054	138	17	financial	financial	ADJ
fbem-6054	138	18	market	market	NOUN
fbem-6054	138	19	and	and	CCONJ
fbem-6054	138	20	has	have	VERB
fbem-6054	138	21	a	a	DET
fbem-6054	138	22	negative	negative	ADJ
fbem-6054	138	23	impact	impact	NOUN
fbem-6054	138	24	on	on	ADP
fbem-6054	138	25	both	both	CCONJ
fbem-6054	138	26	low	low	ADJ
fbem-6054	138	27	-	-	PUNCT
fbem-6054	138	28	risk	risk	NOUN
fbem-6054	138	29	and	and	CCONJ
fbem-6054	138	30	high	high	ADJ
fbem-6054	138	31	-	-	PUNCT
fbem-6054	138	32	risk	risk	NOUN
fbem-6054	138	33	financial	financial	ADJ
fbem-6054	138	34	market	market	NOUN
fbem-6054	138	35	participation	participation	NOUN
fbem-6054	138	36	.	.	PUNCT
fbem-6054	139	1	this	this	DET
fbem-6054	139	2	conclusion	conclusion	NOUN
fbem-6054	139	3	remains	remain	VERB
fbem-6054	139	4	robust	robust	ADJ
fbem-6054	139	5	even	even	ADV
fbem-6054	139	6	after	after	ADP
fbem-6054	139	7	conducting	conduct	VERB
fbem-6054	139	8	a	a	DET
fbem-6054	139	9	robustness	robustness	NOUN
fbem-6054	139	10	test	test	NOUN
fbem-6054	139	11	with	with	ADP
fbem-6054	139	12	replacement	replacement	NOUN
fbem-6054	139	13	variables	variable	NOUN
fbem-6054	139	14	;	;	PUNCT
fbem-6054	139	15	second	second	X
fbem-6054	139	16	,	,	PUNCT
fbem-6054	139	17	the	the	DET
fbem-6054	139	18	negative	negative	ADJ
fbem-6054	139	19	impact	impact	NOUN
fbem-6054	139	20	of	of	ADP
fbem-6054	139	21	the	the	DET
fbem-6054	139	22	digital	digital	ADJ
fbem-6054	139	23	divide	divide	NOUN
fbem-6054	139	24	on	on	ADP
fbem-6054	139	25	financial	financial	ADJ
fbem-6054	139	26	market	market	NOUN
fbem-6054	139	27	participation	participation	NOUN
fbem-6054	139	28	is	be	AUX
fbem-6054	139	29	more	more	ADV
fbem-6054	139	30	pronounced	pronounced	ADJ
fbem-6054	139	31	in	in	ADP
fbem-6054	139	32	households	household	NOUN
fbem-6054	139	33	with	with	ADP
fbem-6054	139	34	lower	low	ADJ
fbem-6054	139	35	education	education	NOUN
fbem-6054	139	36	levels	level	NOUN
fbem-6054	139	37	;	;	PUNCT
fbem-6054	139	38	and	and	CCONJ
fbem-6054	139	39	third	third	ADV
fbem-6054	139	40	,	,	PUNCT
fbem-6054	139	41	the	the	DET
fbem-6054	139	42	digital	digital	ADJ
fbem-6054	139	43	divide	divide	NOUN
fbem-6054	139	44	may	may	AUX
fbem-6054	139	45	lower	lower	VERB
fbem-6054	139	46	household	household	NOUN
fbem-6054	139	47	participation	participation	NOUN
fbem-6054	139	48	in	in	ADP
fbem-6054	139	49	the	the	DET
fbem-6054	139	50	financial	financial	ADJ
fbem-6054	139	51	market	market	NOUN
fbem-6054	139	52	by	by	ADP
fbem-6054	139	53	reducing	reduce	VERB
fbem-6054	139	54	household	household	NOUN
fbem-6054	139	55	income	income	NOUN
fbem-6054	139	56	.	.	PUNCT
fbem-6054	140	1	the	the	DET
fbem-6054	140	2	above	above	ADJ
fbem-6054	140	3	empirical	empirical	ADJ
fbem-6054	140	4	findings	finding	NOUN
fbem-6054	140	5	provide	provide	VERB
fbem-6054	140	6	important	important	ADJ
fbem-6054	140	7	policy	policy	NOUN
fbem-6054	140	8	implications	implication	NOUN
fbem-6054	140	9	for	for	ADP
fbem-6054	140	10	further	far	ADV
fbem-6054	140	11	promoting	promote	VERB
fbem-6054	140	12	household	household	NOUN
fbem-6054	140	13	participation	participation	NOUN
fbem-6054	140	14	in	in	ADP
fbem-6054	140	15	financial	financial	ADJ
fbem-6054	140	16	markets	market	NOUN
fbem-6054	140	17	and	and	CCONJ
fbem-6054	140	18	enhancing	enhance	VERB
fbem-6054	140	19	financial	financial	ADJ
fbem-6054	140	20	market	market	NOUN
fbem-6054	140	21	activity	activity	NOUN
fbem-6054	140	22	.	.	PUNCT
fbem-6054	141	1	overall	overall	ADJ
fbem-6054	141	2	,	,	PUNCT
fbem-6054	141	3	in	in	ADP
fbem-6054	141	4	order	order	NOUN
fbem-6054	141	5	to	to	PART
fbem-6054	141	6	increase	increase	VERB
fbem-6054	141	7	household	household	NOUN
fbem-6054	141	8	participation	participation	NOUN
fbem-6054	141	9	in	in	ADP
fbem-6054	141	10	financial	financial	ADJ
fbem-6054	141	11	markets	market	NOUN
fbem-6054	141	12	,	,	PUNCT
fbem-6054	141	13	it	it	PRON
fbem-6054	141	14	is	be	AUX
fbem-6054	141	15	necessary	necessary	ADJ
fbem-6054	141	16	to	to	PART
fbem-6054	141	17	reduce	reduce	VERB
fbem-6054	141	18	the	the	DET
fbem-6054	141	19	negative	negative	ADJ
fbem-6054	141	20	impact	impact	NOUN
fbem-6054	141	21	of	of	ADP
fbem-6054	141	22	the	the	DET
fbem-6054	141	23	digital	digital	ADJ
fbem-6054	141	24	divide	divide	NOUN
fbem-6054	141	25	.	.	PUNCT
fbem-6054	142	1	to	to	PART
fbem-6054	142	2	address	address	VERB
fbem-6054	142	3	the	the	DET
fbem-6054	142	4	issue	issue	NOUN
fbem-6054	142	5	of	of	ADP
fbem-6054	142	6	access	access	NOUN
fbem-6054	142	7	barriers	barrier	NOUN
fbem-6054	142	8	,	,	PUNCT
fbem-6054	142	9	the	the	DET
fbem-6054	142	10	government	government	NOUN
fbem-6054	142	11	should	should	AUX
fbem-6054	142	12	continue	continue	VERB
fbem-6054	142	13	to	to	PART
fbem-6054	142	14	increase	increase	VERB
fbem-6054	142	15	investment	investment	NOUN
fbem-6054	142	16	in	in	ADP
fbem-6054	142	17	network	network	NOUN
fbem-6054	142	18	infrastructure	infrastructure	NOUN
fbem-6054	142	19	,	,	PUNCT
fbem-6054	142	20	further	far	ADV
fbem-6054	142	21	improve	improve	VERB
fbem-6054	142	22	internet	internet	NOUN
fbem-6054	142	23	penetration	penetration	NOUN
fbem-6054	142	24	rates	rate	NOUN
fbem-6054	142	25	,	,	PUNCT
fbem-6054	142	26	and	and	CCONJ
fbem-6054	142	27	ensure	ensure	VERB
fbem-6054	142	28	that	that	SCONJ
fbem-6054	142	29	every	every	DET
fbem-6054	142	30	household	household	NOUN
fbem-6054	142	31	has	have	VERB
fbem-6054	142	32	access	access	NOUN
fbem-6054	142	33	133	133	NUM
fbem-6054	142	34	to	to	ADP
fbem-6054	142	35	the	the	DET
fbem-6054	142	36	internet	internet	NOUN
fbem-6054	142	37	to	to	PART
fbem-6054	142	38	meet	meet	VERB
fbem-6054	142	39	their	their	PRON
fbem-6054	142	40	online	online	ADJ
fbem-6054	142	41	needs	need	NOUN
fbem-6054	142	42	.	.	PUNCT
fbem-6054	143	1	to	to	PART
fbem-6054	143	2	address	address	VERB
fbem-6054	143	3	usage	usage	NOUN
fbem-6054	143	4	barriers	barrier	NOUN
fbem-6054	143	5	,	,	PUNCT
fbem-6054	143	6	relevant	relevant	ADJ
fbem-6054	143	7	government	government	NOUN
fbem-6054	143	8	departments	department	NOUN
fbem-6054	143	9	should	should	AUX
fbem-6054	143	10	increase	increase	VERB
fbem-6054	143	11	efforts	effort	NOUN
fbem-6054	143	12	in	in	ADP
fbem-6054	143	13	education	education	NOUN
fbem-6054	143	14	and	and	CCONJ
fbem-6054	143	15	training	training	NOUN
fbem-6054	143	16	,	,	PUNCT
fbem-6054	143	17	and	and	CCONJ
fbem-6054	143	18	enhance	enhance	VERB
fbem-6054	143	19	residents	resident	NOUN
fbem-6054	143	20	'	'	PART
fbem-6054	143	21	skills	skill	NOUN
fbem-6054	143	22	in	in	ADP
fbem-6054	143	23	using	use	VERB
fbem-6054	143	24	digital	digital	ADJ
fbem-6054	143	25	tools	tool	NOUN
fbem-6054	143	26	.	.	PUNCT
fbem-6054	144	1	given	give	VERB
fbem-6054	144	2	the	the	DET
fbem-6054	144	3	significant	significant	ADJ
fbem-6054	144	4	differences	difference	NOUN
fbem-6054	144	5	in	in	ADP
fbem-6054	144	6	the	the	DET
fbem-6054	144	7	impact	impact	NOUN
fbem-6054	144	8	of	of	ADP
fbem-6054	144	9	the	the	DET
fbem-6054	144	10	digital	digital	ADJ
fbem-6054	144	11	divide	divide	NOUN
fbem-6054	144	12	on	on	ADP
fbem-6054	144	13	financial	financial	ADJ
fbem-6054	144	14	market	market	NOUN
fbem-6054	144	15	participation	participation	NOUN
fbem-6054	144	16	between	between	ADP
fbem-6054	144	17	urban	urban	ADJ
fbem-6054	144	18	and	and	CCONJ
fbem-6054	144	19	rural	rural	ADJ
fbem-6054	144	20	areas	area	NOUN
fbem-6054	144	21	,	,	PUNCT
fbem-6054	144	22	the	the	DET
fbem-6054	144	23	government	government	NOUN
fbem-6054	144	24	should	should	AUX
fbem-6054	144	25	improve	improve	VERB
fbem-6054	144	26	the	the	DET
fbem-6054	144	27	accessibility	accessibility	NOUN
fbem-6054	144	28	of	of	ADP
fbem-6054	144	29	digital	digital	ADJ
fbem-6054	144	30	tools	tool	NOUN
fbem-6054	144	31	for	for	ADP
fbem-6054	144	32	rural	rural	ADJ
fbem-6054	144	33	households	household	NOUN
fbem-6054	144	34	,	,	PUNCT
fbem-6054	144	35	promote	promote	VERB
fbem-6054	144	36	the	the	DET
fbem-6054	144	37	use	use	NOUN
fbem-6054	144	38	of	of	ADP
fbem-6054	144	39	the	the	DET
fbem-6054	144	40	internet	internet	NOUN
fbem-6054	144	41	,	,	PUNCT
fbem-6054	144	42	enhance	enhance	VERB
fbem-6054	144	43	rural	rural	ADJ
fbem-6054	144	44	households	household	NOUN
fbem-6054	144	45	'	'	PART
fbem-6054	144	46	digital	digital	ADJ
fbem-6054	144	47	skills	skill	NOUN
fbem-6054	144	48	,	,	PUNCT
fbem-6054	144	49	support	support	VERB
fbem-6054	144	50	the	the	DET
fbem-6054	144	51	production	production	NOUN
fbem-6054	144	52	of	of	ADP
fbem-6054	144	53	smart	smart	ADJ
fbem-6054	144	54	agriculturerelated	agriculturerelate	VERB
fbem-6054	144	55	products	product	NOUN
fbem-6054	144	56	and	and	CCONJ
fbem-6054	144	57	the	the	DET
fbem-6054	144	58	digital	digital	ADJ
fbem-6054	144	59	transformation	transformation	NOUN
fbem-6054	144	60	of	of	ADP
fbem-6054	144	61	agriculture	agriculture	NOUN
fbem-6054	144	62	,	,	PUNCT
fbem-6054	144	63	and	and	CCONJ
fbem-6054	144	64	increase	increase	VERB
fbem-6054	144	65	household	household	NOUN
fbem-6054	144	66	income	income	NOUN
fbem-6054	144	67	to	to	PART
fbem-6054	144	68	enhance	enhance	VERB
fbem-6054	144	69	household	household	NOUN
fbem-6054	144	70	participation	participation	NOUN
fbem-6054	144	71	in	in	ADP
fbem-6054	144	72	financial	financial	ADJ
fbem-6054	144	73	markets	market	NOUN
fbem-6054	144	74	.	.	PUNCT
fbem-6054	145	1	references	reference	NOUN
fbem-6054	145	2	[	[	X
fbem-6054	145	3	1	1	NUM
fbem-6054	145	4	]	]	X
fbem-6054	145	5	wang	wang	PROPN
fbem-6054	145	6	,	,	PUNCT
fbem-6054	145	7	zhimao	zhimao	PROPN
fbem-6054	145	8	,	,	PUNCT
fbem-6054	145	9	ren	ren	PROPN
fbem-6054	145	10	,	,	PUNCT
fbem-6054	145	11	biyun	biyun	PROPN
fbem-6054	145	12	,	,	PUNCT
fbem-6054	145	13	&	&	CCONJ
fbem-6054	145	14	zhang	zhang	PROPN
fbem-6054	145	15	,	,	PUNCT
fbem-6054	145	16	yan	yan	PROPN
fbem-6054	145	17	.	.	PUNCT
fbem-6054	146	1	(	(	PUNCT
fbem-6054	146	2	2019	2019	NUM
fbem-6054	146	3	)	)	PUNCT
fbem-6054	146	4	.	.	PUNCT
fbem-6054	147	1	do	do	AUX
fbem-6054	147	2	internet	internet	NOUN
fbem-6054	147	3	information	information	NOUN
fbem-6054	147	4	channels	channel	NOUN
fbem-6054	147	5	promote	promote	VERB
fbem-6054	147	6	household	household	NOUN
fbem-6054	147	7	financial	financial	ADJ
fbem-6054	147	8	investment	investment	NOUN
fbem-6054	147	9	?	?	PUNCT
fbem-6054	148	1	guizhou	guizhou	NOUN
fbem-6054	148	2	social	social	ADJ
fbem-6054	148	3	science	science	NOUN
fbem-6054	148	4	,	,	PUNCT
fbem-6054	148	5	10	10	NUM
fbem-6054	148	6	,	,	PUNCT
fbem-6054	148	7	123	123	NUM
fbem-6054	148	8	-	-	SYM
fbem-6054	148	9	130	130	NUM
fbem-6054	148	10	.	.	PUNCT
fbem-6054	149	1	[	[	X
fbem-6054	149	2	2	2	NUM
fbem-6054	149	3	]	]	X
fbem-6054	149	4	guo	guo	PROPN
fbem-6054	149	5	f	f	X
fbem-6054	149	6	,	,	PUNCT
fbem-6054	149	7	&	&	CCONJ
fbem-6054	149	8	wang	wang	PROPN
fbem-6054	149	9	yopei	yopei	PROPN
fbem-6054	149	10	.	.	PUNCT
fbem-6054	150	1	(	(	PUNCT
fbem-6054	150	2	2020	2020	NUM
fbem-6054	150	3	)	)	PUNCT
fbem-6054	150	4	.	.	PUNCT
fbem-6054	151	1	traditional	traditional	ADJ
fbem-6054	151	2	financial	financial	ADJ
fbem-6054	151	3	foundation	foundation	PROPN
fbem-6054	151	4	,	,	PUNCT
fbem-6054	151	5	knowledge	knowledge	NOUN
fbem-6054	151	6	threshold	threshold	NOUN
fbem-6054	151	7	and	and	CCONJ
fbem-6054	151	8	digital	digital	ADJ
fbem-6054	151	9	finance	finance	NOUN
fbem-6054	151	10	in	in	ADP
fbem-6054	151	11	the	the	DET
fbem-6054	151	12	countryside	countryside	NOUN
fbem-6054	151	13	.	.	PUNCT
fbem-6054	152	1	research	research	NOUN
fbem-6054	152	2	in	in	ADP
fbem-6054	152	3	finance	finance	NOUN
fbem-6054	152	4	and	and	CCONJ
fbem-6054	152	5	economics	economic	NOUN
fbem-6054	152	6	,	,	PUNCT
fbem-6054	152	7	46(1	46(1	NOUN
fbem-6054	152	8	)	)	PUNCT
fbem-6054	152	9	.	.	PUNCT
fbem-6054	153	1	[	[	X
fbem-6054	153	2	3	3	X
fbem-6054	153	3	]	]	X
fbem-6054	153	4	zhang	zhang	PROPN
fbem-6054	153	5	zhengping	zhengping	PROPN
fbem-6054	153	6	,	,	PUNCT
fbem-6054	153	7	&	&	CCONJ
fbem-6054	153	8	lu	lu	PROPN
fbem-6054	153	9	huan	huan	PROPN
fbem-6054	153	10	.	.	PUNCT
fbem-6054	154	1	(	(	PUNCT
fbem-6054	154	2	2021	2021	NUM
fbem-6054	154	3	)	)	PUNCT
fbem-6054	154	4	.	.	PUNCT
fbem-6054	155	1	the	the	DET
fbem-6054	155	2	impact	impact	NOUN
fbem-6054	155	3	of	of	ADP
fbem-6054	155	4	digital	digital	ADJ
fbem-6054	155	5	divide	divide	NOUN
fbem-6054	155	6	on	on	ADP
fbem-6054	155	7	household	household	NOUN
fbem-6054	155	8	financial	financial	ADJ
fbem-6054	155	9	investment	investment	NOUN
fbem-6054	155	10	an	an	DET
fbem-6054	155	11	empirical	empirical	ADJ
fbem-6054	155	12	study	study	NOUN
fbem-6054	155	13	based	base	VERB
fbem-6054	155	14	on	on	ADP
fbem-6054	155	15	cfps	cfps	PROPN
fbem-6054	155	16	data	datum	NOUN
fbem-6054	155	17	.	.	PUNCT
fbem-6054	156	1	fujian	fujian	PROPN
fbem-6054	156	2	forum	forum	PROPN
fbem-6054	156	3	(	(	PUNCT
fbem-6054	156	4	humanities	humanity	NOUN
fbem-6054	156	5	and	and	CCONJ
fbem-6054	156	6	social	social	ADJ
fbem-6054	156	7	sciences	science	NOUN
fbem-6054	156	8	edition	edition	NOUN
fbem-6054	156	9	)	)	PUNCT
fbem-6054	156	10	.	.	PUNCT
fbem-6054	157	1	[	[	X
fbem-6054	157	2	4	4	X
fbem-6054	157	3	]	]	X
fbem-6054	157	4	yin	yin	PROPN
fbem-6054	157	5	c	c	PROPN
fbem-6054	157	6	-	-	PUNCT
fbem-6054	157	7	chao	chao	PROPN
fbem-6054	157	8	,	,	PUNCT
fbem-6054	157	9	yue	yue	PROPN
fbem-6054	157	10	p	p	PROPN
fbem-6054	157	11	-	-	PUNCT
fbem-6054	157	12	p	p	X
fbem-6054	157	13	,	,	PUNCT
fbem-6054	157	14	&	&	CCONJ
fbem-6054	157	15	chen	chen	PROPN
fbem-6054	157	16	s	s	PROPN
fbem-6054	157	17	-	-	PROPN
fbem-6054	157	18	r.	r.	PROPN
fbem-6054	157	19	(	(	PUNCT
fbem-6054	157	20	2019	2019	NUM
fbem-6054	157	21	)	)	PUNCT
fbem-6054	157	22	.	.	PUNCT
fbem-6054	158	1	financial	financial	ADJ
fbem-6054	158	2	market	market	NOUN
fbem-6054	158	3	participation	participation	NOUN
fbem-6054	158	4	,	,	PUNCT
fbem-6054	158	5	risk	risk	NOUN
fbem-6054	158	6	heterogeneity	heterogeneity	NOUN
fbem-6054	158	7	and	and	CCONJ
fbem-6054	158	8	household	household	NOUN
fbem-6054	158	9	happiness	happiness	NOUN
fbem-6054	158	10	.	.	PUNCT
fbem-6054	159	1	financial	financial	ADJ
fbem-6054	159	2	studies	study	NOUN
fbem-6054	159	3	,	,	PUNCT
fbem-6054	159	4	466(4	466(4	NUM
fbem-6054	159	5	)	)	PUNCT
fbem-6054	159	6	,	,	PUNCT
fbem-6054	159	7	168	168	NUM
fbem-6054	159	8	-	-	SYM
fbem-6054	159	9	187	187	NUM
fbem-6054	159	10	.	.	PUNCT
fbem-6054	160	1	[	[	X
fbem-6054	160	2	5	5	X
fbem-6054	160	3	]	]	PUNCT
fbem-6054	160	4	yin	yin	PROPN
fbem-6054	160	5	c	c	PROPN
fbem-6054	160	6	-	-	PUNCT
fbem-6054	160	7	chao	chao	PROPN
fbem-6054	160	8	,	,	PUNCT
fbem-6054	160	9	jiang	jiang	PROPN
fbem-6054	160	10	j	j	PROPN
fbem-6054	160	11	-	-	PROPN
fbem-6054	160	12	ling	ling	PROPN
fbem-6054	160	13	&	&	CCONJ
fbem-6054	160	14	yan	yan	PROPN
fbem-6054	160	15	yu	yu	PROPN
fbem-6054	160	16	.	.	PROPN
fbem-6054	161	1	(	(	PUNCT
fbem-6054	161	2	2021	2021	NUM
fbem-6054	161	3	)	)	PUNCT
fbem-6054	161	4	.	.	PUNCT
fbem-6054	162	1	does	do	AUX
fbem-6054	162	2	the	the	DET
fbem-6054	162	3	digital	digital	ADJ
fbem-6054	162	4	divide	divide	NOUN
fbem-6054	162	5	affect	affect	VERB
fbem-6054	162	6	household	household	NOUN
fbem-6054	162	7	income	income	NOUN
fbem-6054	162	8	.	.	PUNCT
fbem-6054	163	1	finance	finance	NOUN
fbem-6054	163	2	and	and	CCONJ
fbem-6054	163	3	trade	trade	NOUN
fbem-6054	163	4	economics	economic	NOUN
fbem-6054	163	5	(	(	PUNCT
fbem-6054	163	6	09	09	NUM
fbem-6054	163	7	)	)	PUNCT
fbem-6054	163	8	,	,	PUNCT
fbem-6054	163	9	66	66	NUM
fbem-6054	163	10	-	-	SYM
fbem-6054	163	11	82	82	NUM
fbem-6054	163	12	.	.	PUNCT
fbem-6054	164	1	[	[	X
fbem-6054	164	2	6	6	NUM
fbem-6054	164	3	]	]	X
fbem-6054	164	4	yin	yin	PROPN
fbem-6054	164	5	z	z	PROPN
fbem-6054	164	6	-	-	PUNCT
fbem-6054	164	7	chao	chao	PROPN
fbem-6054	164	8	,	,	PUNCT
fbem-6054	164	9	song	song	ADJ
fbem-6054	164	10	q	q	NOUN
fbem-6054	164	11	-	-	PUNCT
fbem-6054	164	12	yun	yun	PROPN
fbem-6054	164	13	,	,	PUNCT
fbem-6054	164	14	&	&	CCONJ
fbem-6054	164	15	wu	wu	PROPN
fbem-6054	164	16	yu	yu	PROPN
fbem-6054	164	17	.	.	PUNCT
fbem-6054	165	1	(	(	PUNCT
fbem-6054	165	2	2014	2014	NUM
fbem-6054	165	3	)	)	PUNCT
fbem-6054	165	4	.	.	PUNCT
fbem-6054	166	1	financial	financial	ADJ
fbem-6054	166	2	knowledge	knowledge	NOUN
fbem-6054	166	3	,	,	PUNCT
fbem-6054	166	4	investment	investment	NOUN
fbem-6054	166	5	experience	experience	NOUN
fbem-6054	166	6	and	and	CCONJ
fbem-6054	166	7	household	household	NOUN
fbem-6054	166	8	asset	asset	NOUN
fbem-6054	166	9	choice	choice	NOUN
fbem-6054	166	10	.	.	PUNCT
fbem-6054	167	1	economic	economic	ADJ
fbem-6054	167	2	research	research	NOUN
fbem-6054	167	3	,	,	PUNCT
fbem-6054	167	4	4	4	NUM
fbem-6054	167	5	,	,	PUNCT
fbem-6054	167	6	62	62	NUM
fbem-6054	167	7	-	-	SYM
fbem-6054	167	8	75	75	NUM
fbem-6054	167	9	.	.	PUNCT
fbem-6054	168	1	[	[	X
fbem-6054	168	2	7	7	NUM
fbem-6054	168	3	]	]	X
fbem-6054	168	4	zhou	zhou	PROPN
fbem-6054	168	5	,	,	PUNCT
fbem-6054	168	6	guangsu	guangsu	NOUN
fbem-6054	168	7	,	,	PUNCT
fbem-6054	168	8	&	&	CCONJ
fbem-6054	168	9	liang	liang	PROPN
fbem-6054	168	10	,	,	PUNCT
fbem-6054	168	11	qi	qi	PROPN
fbem-6054	168	12	.	.	PUNCT
fbem-6054	168	13	(	(	PUNCT
fbem-6054	168	14	2018	2018	NUM
fbem-6054	168	15	)	)	PUNCT
fbem-6054	168	16	.	.	PUNCT
fbem-6054	168	17	internet	internet	NOUN
fbem-6054	168	18	use	use	NOUN
fbem-6054	168	19	,	,	PUNCT
fbem-6054	168	20	market	market	NOUN
fbem-6054	168	21	frictions	friction	NOUN
fbem-6054	168	22	and	and	CCONJ
fbem-6054	168	23	household	household	NOUN
fbem-6054	168	24	investment	investment	NOUN
fbem-6054	168	25	in	in	ADP
fbem-6054	168	26	risky	risky	ADJ
fbem-6054	168	27	financial	financial	ADJ
fbem-6054	168	28	assets	asset	NOUN
fbem-6054	168	29	.	.	PUNCT
fbem-6054	169	1	financial	financial	ADJ
fbem-6054	169	2	studies	study	NOUN
fbem-6054	169	3	,	,	PUNCT
fbem-6054	169	4	451(1	451(1	NUM
fbem-6054	169	5	)	)	PUNCT
fbem-6054	169	6	,	,	PUNCT
fbem-6054	169	7	84	84	NUM
fbem-6054	169	8	-	-	SYM
fbem-6054	169	9	101	101	NUM
fbem-6054	169	10	.	.	PUNCT
fbem-6054	170	1	[	[	X
fbem-6054	170	2	8	8	NUM
fbem-6054	170	3	]	]	X
fbem-6054	170	4	zhang	zhang	PROPN
fbem-6054	170	5	zhengping	zhengping	PROPN
fbem-6054	170	6	,	,	PUNCT
fbem-6054	170	7	&	&	CCONJ
fbem-6054	170	8	lu	lu	PROPN
fbem-6054	170	9	huan	huan	PROPN
fbem-6054	170	10	.	.	PUNCT
fbem-6054	171	1	(	(	PUNCT
fbem-6054	171	2	2020	2020	NUM
fbem-6054	171	3	)	)	PUNCT
fbem-6054	171	4	.	.	PUNCT
fbem-6054	172	1	advances	advance	NOUN
fbem-6054	172	2	in	in	ADP
fbem-6054	172	3	digital	digital	ADJ
fbem-6054	172	4	divide	divide	NOUN
fbem-6054	172	5	research	research	NOUN
fbem-6054	172	6	.	.	PUNCT
fbem-6054	173	1	wuhan	wuhan	PROPN
fbem-6054	173	2	finance	finance	PROPN
fbem-6054	173	3	,	,	PUNCT
fbem-6054	173	4	(	(	PUNCT
fbem-6054	173	5	3	3	NUM
fbem-6054	173	6	)	)	PUNCT
fbem-6054	173	7	,	,	PUNCT
fbem-6054	173	8	64	64	NUM
fbem-6054	173	9	-	-	SYM
fbem-6054	173	10	71	71	NUM
fbem-6054	173	11	.	.	PUNCT