id	sid	tid	token	lemma	pos
fbem-6227	1	1	frontiers	frontier	NOUN
fbem-6227	1	2	in	in	ADP
fbem-6227	1	3	business	business	NOUN
fbem-6227	1	4	,	,	PUNCT
fbem-6227	1	5	economics	economic	NOUN
fbem-6227	1	6	and	and	CCONJ
fbem-6227	1	7	management	management	NOUN
fbem-6227	1	8	issn	issn	PROPN
fbem-6227	1	9	:	:	PUNCT
fbem-6227	1	10	2766	2766	NUM
fbem-6227	1	11	-	-	PUNCT
fbem-6227	1	12	824x	824x	NUM
fbem-6227	1	13	|	|	ADJ
fbem-6227	1	14	vol	vol	NOUN
fbem-6227	1	15	.	.	PROPN
fbem-6227	1	16	8	8	NUM
fbem-6227	1	17	,	,	PUNCT
fbem-6227	1	18	no	no	INTJ
fbem-6227	1	19	.	.	NOUN
fbem-6227	1	20	1	1	NUM
fbem-6227	1	21	,	,	PUNCT
fbem-6227	1	22	2023	2023	NUM
fbem-6227	1	23	266	266	NUM
fbem-6227	1	24	the	the	DET
fbem-6227	1	25	impact	impact	NOUN
fbem-6227	1	26	of	of	ADP
fbem-6227	1	27	developing	develop	VERB
fbem-6227	1	28	fintech	fintech	NOUN
fbem-6227	1	29	on	on	ADP
fbem-6227	1	30	banks	bank	NOUN
fbem-6227	1	31	-from	-from	ADJ
fbem-6227	1	32	the	the	DET
fbem-6227	1	33	perspective	perspective	NOUN
fbem-6227	1	34	of	of	ADP
fbem-6227	1	35	net	net	ADJ
fbem-6227	1	36	interest	interest	NOUN
fbem-6227	1	37	margin	margin	NOUN
fbem-6227	1	38	and	and	CCONJ
fbem-6227	1	39	non	non	ADJ
fbem-6227	1	40	-	-	ADJ
fbem-6227	1	41	performing	perform	VERB
fbem-6227	1	42	ratio	ratio	NOUN
fbem-6227	1	43	yuanjin	yuanjin	PROPN
fbem-6227	1	44	yang	yang	PROPN
fbem-6227	1	45	,	,	PUNCT
fbem-6227	1	46	xun	xun	PROPN
fbem-6227	1	47	zhang	zhang	PROPN
fbem-6227	2	1	*	*	PROPN
fbem-6227	2	2	,	,	PUNCT
fbem-6227	2	3	bao	bao	PROPN
fbem-6227	2	4	feng	feng	PROPN
fbem-6227	2	5	school	school	NOUN
fbem-6227	2	6	of	of	ADP
fbem-6227	2	7	economics	economic	NOUN
fbem-6227	2	8	,	,	PUNCT
fbem-6227	2	9	guangxi	guangxi	PROPN
fbem-6227	2	10	university	university	PROPN
fbem-6227	2	11	,	,	PUNCT
fbem-6227	2	12	guangxi	guangxi	PROPN
fbem-6227	2	13	,	,	PUNCT
fbem-6227	2	14	pr	pr	NOUN
fbem-6227	2	15	530004	530004	NUM
fbem-6227	2	16	,	,	PUNCT
fbem-6227	2	17	china	china	PROPN
fbem-6227	2	18	*	*	PUNCT
fbem-6227	2	19	corresponding	correspond	VERB
fbem-6227	2	20	author	author	NOUN
fbem-6227	2	21	:	:	PUNCT
fbem-6227	2	22	xun	xun	PROPN
fbem-6227	2	23	zhang	zhang	PROPN
fbem-6227	2	24	(	(	PUNCT
fbem-6227	2	25	email	email	NOUN
fbem-6227	2	26	:	:	PUNCT
fbem-6227	2	27	823213272@qq.com	823213272@qq.com	NUM
fbem-6227	2	28	)	)	PUNCT
fbem-6227	2	29	abstract	abstract	NOUN
fbem-6227	2	30	:	:	PUNCT
fbem-6227	2	31	in	in	ADP
fbem-6227	2	32	recent	recent	ADJ
fbem-6227	2	33	years	year	NOUN
fbem-6227	2	34	,	,	PUNCT
fbem-6227	2	35	the	the	DET
fbem-6227	2	36	rapid	rapid	ADJ
fbem-6227	2	37	development	development	NOUN
fbem-6227	2	38	of	of	ADP
fbem-6227	2	39	financial	financial	ADJ
fbem-6227	2	40	technology	technology	NOUN
fbem-6227	2	41	(	(	PUNCT
fbem-6227	2	42	fintech	fintech	NOUN
fbem-6227	2	43	)	)	PUNCT
fbem-6227	2	44	has	have	AUX
fbem-6227	2	45	greatly	greatly	ADV
fbem-6227	2	46	impacted	impact	VERB
fbem-6227	2	47	the	the	DET
fbem-6227	2	48	traditional	traditional	ADJ
fbem-6227	2	49	banking	banking	NOUN
fbem-6227	2	50	industry	industry	NOUN
fbem-6227	2	51	,	,	PUNCT
fbem-6227	2	52	posing	pose	VERB
fbem-6227	2	53	both	both	DET
fbem-6227	2	54	challenges	challenge	NOUN
fbem-6227	2	55	and	and	CCONJ
fbem-6227	2	56	opportunities	opportunity	NOUN
fbem-6227	2	57	for	for	ADP
fbem-6227	2	58	banks	bank	NOUN
fbem-6227	2	59	.	.	PUNCT
fbem-6227	3	1	in	in	ADP
fbem-6227	3	2	this	this	DET
fbem-6227	3	3	study	study	NOUN
fbem-6227	3	4	,	,	PUNCT
fbem-6227	3	5	we	we	PRON
fbem-6227	3	6	investigate	investigate	VERB
fbem-6227	3	7	the	the	DET
fbem-6227	3	8	influence	influence	NOUN
fbem-6227	3	9	of	of	ADP
fbem-6227	3	10	fintech	fintech	NOUN
fbem-6227	3	11	on	on	ADP
fbem-6227	3	12	the	the	DET
fbem-6227	3	13	net	net	ADJ
fbem-6227	3	14	interest	interest	NOUN
fbem-6227	3	15	margin	margin	NOUN
fbem-6227	3	16	and	and	CCONJ
fbem-6227	3	17	non	non	ADJ
fbem-6227	3	18	-	-	ADJ
fbem-6227	3	19	performing	perform	VERB
fbem-6227	3	20	loan	loan	NOUN
fbem-6227	3	21	ratio	ratio	NOUN
fbem-6227	3	22	of	of	ADP
fbem-6227	3	23	banks	bank	NOUN
fbem-6227	3	24	in	in	ADP
fbem-6227	3	25	china.to	china.to	NUM
fbem-6227	3	26	measure	measure	NOUN
fbem-6227	3	27	the	the	DET
fbem-6227	3	28	level	level	NOUN
fbem-6227	3	29	of	of	ADP
fbem-6227	3	30	fintech	fintech	NOUN
fbem-6227	3	31	development	development	NOUN
fbem-6227	3	32	in	in	ADP
fbem-6227	3	33	banks	bank	NOUN
fbem-6227	3	34	,	,	PUNCT
fbem-6227	3	35	we	we	PRON
fbem-6227	3	36	construct	construct	VERB
fbem-6227	3	37	a	a	DET
fbem-6227	3	38	bank	bank	NOUN
fbem-6227	3	39	fintech	fintech	NOUN
fbem-6227	3	40	development	development	NOUN
fbem-6227	3	41	index	index	NOUN
fbem-6227	3	42	(	(	PUNCT
fbem-6227	3	43	bfdi	bfdi	PROPN
fbem-6227	3	44	)	)	PUNCT
fbem-6227	3	45	based	base	VERB
fbem-6227	3	46	on	on	ADP
fbem-6227	3	47	text	text	NOUN
fbem-6227	3	48	analysis	analysis	NOUN
fbem-6227	3	49	of	of	ADP
fbem-6227	3	50	annual	annual	ADJ
fbem-6227	3	51	reports	report	NOUN
fbem-6227	3	52	.	.	PUNCT
fbem-6227	4	1	we	we	PRON
fbem-6227	4	2	then	then	ADV
fbem-6227	4	3	use	use	VERB
fbem-6227	4	4	a	a	DET
fbem-6227	4	5	panel	panel	NOUN
fbem-6227	4	6	data	datum	NOUN
fbem-6227	4	7	regression	regression	NOUN
fbem-6227	4	8	model	model	NOUN
fbem-6227	4	9	to	to	PART
fbem-6227	4	10	analyze	analyze	VERB
fbem-6227	4	11	the	the	DET
fbem-6227	4	12	impact	impact	NOUN
fbem-6227	4	13	of	of	ADP
fbem-6227	4	14	fintech	fintech	NOUN
fbem-6227	4	15	development	development	NOUN
fbem-6227	4	16	on	on	ADP
fbem-6227	4	17	the	the	DET
fbem-6227	4	18	net	net	ADJ
fbem-6227	4	19	interest	interest	NOUN
fbem-6227	4	20	margin	margin	NOUN
fbem-6227	4	21	and	and	CCONJ
fbem-6227	4	22	non	non	ADJ
fbem-6227	4	23	-	-	ADJ
fbem-6227	4	24	performing	perform	VERB
fbem-6227	4	25	loan	loan	NOUN
fbem-6227	4	26	ratio	ratio	NOUN
fbem-6227	4	27	of	of	ADP
fbem-6227	4	28	banks	bank	NOUN
fbem-6227	4	29	,	,	PUNCT
fbem-6227	4	30	controlling	control	VERB
fbem-6227	4	31	for	for	ADP
fbem-6227	4	32	other	other	ADJ
fbem-6227	4	33	factors	factor	NOUN
fbem-6227	4	34	such	such	ADJ
fbem-6227	4	35	as	as	ADP
fbem-6227	4	36	bank	bank	NOUN
fbem-6227	4	37	size	size	NOUN
fbem-6227	4	38	,	,	PUNCT
fbem-6227	4	39	capital	capital	NOUN
fbem-6227	4	40	adequacy	adequacy	NOUN
fbem-6227	4	41	,	,	PUNCT
fbem-6227	4	42	and	and	CCONJ
fbem-6227	4	43	macroeconomic	macroeconomic	ADJ
fbem-6227	4	44	conditions.our	conditions.our	NUM
fbem-6227	4	45	empirical	empirical	ADJ
fbem-6227	4	46	results	result	NOUN
fbem-6227	4	47	show	show	VERB
fbem-6227	4	48	that	that	SCONJ
fbem-6227	4	49	the	the	DET
fbem-6227	4	50	development	development	NOUN
fbem-6227	4	51	of	of	ADP
fbem-6227	4	52	fintech	fintech	NOUN
fbem-6227	4	53	has	have	VERB
fbem-6227	4	54	a	a	DET
fbem-6227	4	55	significant	significant	ADJ
fbem-6227	4	56	positive	positive	ADJ
fbem-6227	4	57	impact	impact	NOUN
fbem-6227	4	58	on	on	ADP
fbem-6227	4	59	the	the	DET
fbem-6227	4	60	net	net	ADJ
fbem-6227	4	61	interest	interest	NOUN
fbem-6227	4	62	margin	margin	NOUN
fbem-6227	4	63	of	of	ADP
fbem-6227	4	64	banks	bank	NOUN
fbem-6227	4	65	,	,	PUNCT
fbem-6227	4	66	indicating	indicate	VERB
fbem-6227	4	67	that	that	SCONJ
fbem-6227	4	68	banks	bank	NOUN
fbem-6227	4	69	that	that	PRON
fbem-6227	4	70	have	have	AUX
fbem-6227	4	71	adopted	adopt	VERB
fbem-6227	4	72	fintech	fintech	NOUN
fbem-6227	4	73	are	be	AUX
fbem-6227	4	74	able	able	ADJ
fbem-6227	4	75	to	to	PART
fbem-6227	4	76	generate	generate	VERB
fbem-6227	4	77	higher	high	ADJ
fbem-6227	4	78	profits	profit	NOUN
fbem-6227	4	79	from	from	ADP
fbem-6227	4	80	their	their	PRON
fbem-6227	4	81	interest	interest	NOUN
fbem-6227	4	82	-	-	PUNCT
fbem-6227	4	83	bearing	bear	VERB
fbem-6227	4	84	assets	asset	NOUN
fbem-6227	4	85	.	.	PUNCT
fbem-6227	5	1	we	we	PRON
fbem-6227	5	2	also	also	ADV
fbem-6227	5	3	find	find	VERB
fbem-6227	5	4	that	that	SCONJ
fbem-6227	5	5	the	the	DET
fbem-6227	5	6	development	development	NOUN
fbem-6227	5	7	of	of	ADP
fbem-6227	5	8	fintech	fintech	NOUN
fbem-6227	5	9	has	have	VERB
fbem-6227	5	10	a	a	DET
fbem-6227	5	11	significant	significant	ADJ
fbem-6227	5	12	negative	negative	ADJ
fbem-6227	5	13	impact	impact	NOUN
fbem-6227	5	14	on	on	ADP
fbem-6227	5	15	the	the	DET
fbem-6227	5	16	non	non	ADJ
fbem-6227	5	17	-	-	ADJ
fbem-6227	5	18	performing	perform	VERB
fbem-6227	5	19	loan	loan	NOUN
fbem-6227	5	20	ratio	ratio	NOUN
fbem-6227	5	21	of	of	ADP
fbem-6227	5	22	banks	bank	NOUN
fbem-6227	5	23	,	,	PUNCT
fbem-6227	5	24	suggesting	suggest	VERB
fbem-6227	5	25	that	that	SCONJ
fbem-6227	5	26	fintech	fintech	NOUN
fbem-6227	5	27	can	can	AUX
fbem-6227	5	28	help	help	VERB
fbem-6227	5	29	banks	bank	NOUN
fbem-6227	5	30	improve	improve	VERB
fbem-6227	5	31	their	their	PRON
fbem-6227	5	32	risk	risk	NOUN
fbem-6227	5	33	management	management	NOUN
fbem-6227	5	34	and	and	CCONJ
fbem-6227	5	35	reduce	reduce	VERB
fbem-6227	5	36	their	their	PRON
fbem-6227	5	37	credit	credit	NOUN
fbem-6227	5	38	losses.therefore	losses.therefore	ADJ
fbem-6227	5	39	,	,	PUNCT
fbem-6227	5	40	banks	bank	NOUN
fbem-6227	5	41	should	should	AUX
fbem-6227	5	42	continue	continue	VERB
fbem-6227	5	43	to	to	PART
fbem-6227	5	44	embrace	embrace	VERB
fbem-6227	5	45	fintech	fintech	NOUN
fbem-6227	5	46	and	and	CCONJ
fbem-6227	5	47	invest	invest	VERB
fbem-6227	5	48	in	in	ADP
fbem-6227	5	49	new	new	ADJ
fbem-6227	5	50	technologies	technology	NOUN
fbem-6227	5	51	to	to	PART
fbem-6227	5	52	remain	remain	VERB
fbem-6227	5	53	competitive	competitive	ADJ
fbem-6227	5	54	in	in	ADP
fbem-6227	5	55	the	the	DET
fbem-6227	5	56	rapidly	rapidly	ADV
fbem-6227	5	57	evolving	evolve	VERB
fbem-6227	5	58	financial	financial	ADJ
fbem-6227	5	59	landscape	landscape	NOUN
fbem-6227	5	60	.	.	PUNCT
fbem-6227	6	1	keywords	keyword	NOUN
fbem-6227	6	2	:	:	PUNCT
fbem-6227	6	3	financial	financial	ADJ
fbem-6227	6	4	technology	technology	NOUN
fbem-6227	6	5	,	,	PUNCT
fbem-6227	6	6	net	net	ADJ
fbem-6227	6	7	interest	interest	NOUN
fbem-6227	6	8	margin	margin	NOUN
fbem-6227	6	9	,	,	PUNCT
fbem-6227	6	10	non	non	ADJ
fbem-6227	6	11	-	-	ADJ
fbem-6227	6	12	performing	perform	VERB
fbem-6227	6	13	loan	loan	NOUN
fbem-6227	6	14	ratio	ratio	NOUN
fbem-6227	6	15	.	.	PUNCT
fbem-6227	7	1	1	1	X
fbem-6227	7	2	.	.	X
fbem-6227	7	3	introduction	introduction	NOUN
fbem-6227	7	4	in	in	ADP
fbem-6227	7	5	recent	recent	ADJ
fbem-6227	7	6	years	year	NOUN
fbem-6227	7	7	,	,	PUNCT
fbem-6227	7	8	technology	technology	NOUN
fbem-6227	7	9	represented	represent	VERB
fbem-6227	7	10	by	by	ADP
fbem-6227	7	11	big	big	ADJ
fbem-6227	7	12	data	datum	NOUN
fbem-6227	7	13	,	,	PUNCT
fbem-6227	7	14	artificial	artificial	ADJ
fbem-6227	7	15	intelligence	intelligence	NOUN
fbem-6227	7	16	,	,	PUNCT
fbem-6227	7	17	and	and	CCONJ
fbem-6227	7	18	cloud	cloud	NOUN
fbem-6227	7	19	computing	computing	NOUN
fbem-6227	7	20	has	have	AUX
fbem-6227	7	21	brought	bring	VERB
fbem-6227	7	22	great	great	ADJ
fbem-6227	7	23	changes	change	NOUN
fbem-6227	7	24	to	to	ADP
fbem-6227	7	25	the	the	DET
fbem-6227	7	26	banking	banking	NOUN
fbem-6227	7	27	industry	industry	NOUN
fbem-6227	7	28	.	.	PUNCT
fbem-6227	8	1	in	in	ADP
fbem-6227	8	2	the	the	DET
fbem-6227	8	3	face	face	NOUN
fbem-6227	8	4	of	of	ADP
fbem-6227	8	5	fintech	fintech	NOUN
fbem-6227	8	6	challenges	challenge	NOUN
fbem-6227	8	7	and	and	CCONJ
fbem-6227	8	8	opportunities	opportunity	NOUN
fbem-6227	8	9	,	,	PUNCT
fbem-6227	8	10	commercial	commercial	ADJ
fbem-6227	8	11	banks	bank	NOUN
fbem-6227	8	12	have	have	AUX
fbem-6227	8	13	undergone	undergo	VERB
fbem-6227	8	14	different	different	ADJ
fbem-6227	8	15	types	type	NOUN
fbem-6227	8	16	of	of	ADP
fbem-6227	8	17	strategic	strategic	ADJ
fbem-6227	8	18	transformation	transformation	NOUN
fbem-6227	8	19	,	,	PUNCT
fbem-6227	8	20	such	such	ADJ
fbem-6227	8	21	as	as	ADP
fbem-6227	8	22	channel	channel	NOUN
fbem-6227	8	23	innovation	innovation	NOUN
fbem-6227	8	24	,	,	PUNCT
fbem-6227	8	25	business	business	NOUN
fbem-6227	8	26	(	(	PUNCT
fbem-6227	8	27	product	product	NOUN
fbem-6227	8	28	)	)	PUNCT
fbem-6227	8	29	innovation	innovation	NOUN
fbem-6227	8	30	,	,	PUNCT
fbem-6227	8	31	and	and	CCONJ
fbem-6227	8	32	collaborative	collaborative	ADJ
fbem-6227	8	33	innovation	innovation	NOUN
fbem-6227	9	1	[	[	X
fbem-6227	9	2	1	1	NUM
fbem-6227	9	3	]	]	PUNCT
fbem-6227	9	4	.	.	PUNCT
fbem-6227	10	1	banks	bank	NOUN
fbem-6227	10	2	are	be	AUX
fbem-6227	10	3	the	the	DET
fbem-6227	10	4	lifeline	lifeline	NOUN
fbem-6227	10	5	of	of	ADP
fbem-6227	10	6	the	the	DET
fbem-6227	10	7	real	real	ADJ
fbem-6227	10	8	economy	economy	NOUN
fbem-6227	10	9	and	and	CCONJ
fbem-6227	10	10	an	an	DET
fbem-6227	10	11	important	important	ADJ
fbem-6227	10	12	foundation	foundation	NOUN
fbem-6227	10	13	for	for	ADP
fbem-6227	10	14	the	the	DET
fbem-6227	10	15	steady	steady	ADJ
fbem-6227	10	16	and	and	CCONJ
fbem-6227	10	17	healthy	healthy	ADJ
fbem-6227	10	18	development	development	NOUN
fbem-6227	10	19	of	of	ADP
fbem-6227	10	20	the	the	DET
fbem-6227	10	21	economy	economy	NOUN
fbem-6227	10	22	.	.	PUNCT
fbem-6227	11	1	the	the	DET
fbem-6227	11	2	development	development	NOUN
fbem-6227	11	3	of	of	ADP
fbem-6227	11	4	the	the	DET
fbem-6227	11	5	real	real	ADJ
fbem-6227	11	6	economy	economy	NOUN
fbem-6227	11	7	can	can	AUX
fbem-6227	11	8	not	not	PART
fbem-6227	11	9	be	be	AUX
fbem-6227	11	10	separated	separate	VERB
fbem-6227	11	11	from	from	ADP
fbem-6227	11	12	banks	bank	NOUN
fbem-6227	11	13	.	.	PUNCT
fbem-6227	12	1	high	high	ADJ
fbem-6227	12	2	-	-	PUNCT
fbem-6227	12	3	quality	quality	NOUN
fbem-6227	12	4	economic	economic	ADJ
fbem-6227	12	5	development	development	NOUN
fbem-6227	12	6	under	under	ADP
fbem-6227	12	7	the	the	DET
fbem-6227	12	8	new	new	ADJ
fbem-6227	12	9	development	development	NOUN
fbem-6227	12	10	pattern	pattern	NOUN
fbem-6227	12	11	requires	require	VERB
fbem-6227	12	12	a	a	DET
fbem-6227	12	13	high	high	ADJ
fbem-6227	12	14	-	-	PUNCT
fbem-6227	12	15	quality	quality	NOUN
fbem-6227	12	16	banking	banking	NOUN
fbem-6227	12	17	system	system	NOUN
fbem-6227	12	18	to	to	PART
fbem-6227	12	19	provide	provide	VERB
fbem-6227	12	20	support	support	NOUN
fbem-6227	12	21	.	.	PUNCT
fbem-6227	13	1	in	in	ADP
fbem-6227	13	2	the	the	DET
fbem-6227	13	3	face	face	NOUN
fbem-6227	13	4	of	of	ADP
fbem-6227	13	5	rapid	rapid	ADJ
fbem-6227	13	6	fintech	fintech	NOUN
fbem-6227	13	7	innovation	innovation	NOUN
fbem-6227	13	8	,	,	PUNCT
fbem-6227	13	9	the	the	DET
fbem-6227	13	10	people	people	NOUN
fbem-6227	13	11	's	's	PART
fbem-6227	13	12	bank	bank	PROPN
fbem-6227	13	13	of	of	ADP
fbem-6227	13	14	china	china	PROPN
fbem-6227	13	15	issued	issue	VERB
fbem-6227	13	16	the	the	DET
fbem-6227	13	17	fintech	fintech	NOUN
fbem-6227	13	18	development	development	NOUN
fbem-6227	13	19	plan	plan	NOUN
fbem-6227	13	20	twice	twice	ADV
fbem-6227	13	21	in	in	ADP
fbem-6227	13	22	2019	2019	NUM
fbem-6227	13	23	and	and	CCONJ
fbem-6227	13	24	2022	2022	NUM
fbem-6227	13	25	,	,	PUNCT
fbem-6227	13	26	and	and	CCONJ
fbem-6227	13	27	the	the	DET
fbem-6227	13	28	state	state	NOUN
fbem-6227	13	29	council	council	PROPN
fbem-6227	13	30	also	also	ADV
fbem-6227	13	31	issued	issue	VERB
fbem-6227	13	32	the	the	DET
fbem-6227	13	33	14th	14th	ADJ
fbem-6227	13	34	fiveyear	fiveyear	NOUN
fbem-6227	13	35	digital	digital	ADJ
fbem-6227	13	36	economy	economy	NOUN
fbem-6227	13	37	development	development	NOUN
fbem-6227	13	38	plan	plan	NOUN
fbem-6227	13	39	in	in	ADP
fbem-6227	13	40	2022	2022	NUM
fbem-6227	13	41	,	,	PUNCT
fbem-6227	13	42	emphasizing	emphasize	VERB
fbem-6227	13	43	the	the	DET
fbem-6227	13	44	deepening	deepening	NOUN
fbem-6227	13	45	application	application	NOUN
fbem-6227	13	46	of	of	ADP
fbem-6227	13	47	big	big	ADJ
fbem-6227	13	48	data	datum	NOUN
fbem-6227	13	49	,	,	PUNCT
fbem-6227	13	50	artificial	artificial	ADJ
fbem-6227	13	51	intelligence	intelligence	NOUN
fbem-6227	13	52	,	,	PUNCT
fbem-6227	13	53	and	and	CCONJ
fbem-6227	13	54	other	other	ADJ
fbem-6227	13	55	technologies	technology	NOUN
fbem-6227	13	56	in	in	ADP
fbem-6227	13	57	banking	banking	NOUN
fbem-6227	13	58	and	and	CCONJ
fbem-6227	13	59	other	other	ADJ
fbem-6227	13	60	fields	field	NOUN
fbem-6227	13	61	.	.	PUNCT
fbem-6227	14	1	cbinsights	cbinsight	NOUN
fbem-6227	14	2	recently	recently	ADV
fbem-6227	14	3	released	release	VERB
fbem-6227	14	4	its	its	PRON
fbem-6227	14	5	2022	2022	NUM
fbem-6227	14	6	global	global	ADJ
fbem-6227	14	7	fintech	fintech	NOUN
fbem-6227	14	8	industry	industry	NOUN
fbem-6227	14	9	report	report	NOUN
fbem-6227	14	10	,	,	PUNCT
fbem-6227	14	11	which	which	PRON
fbem-6227	14	12	states	state	VERB
fbem-6227	14	13	that	that	SCONJ
fbem-6227	14	14	fintech	fintech	NOUN
fbem-6227	14	15	activity	activity	NOUN
fbem-6227	14	16	raised	raise	VERB
fbem-6227	14	17	$	$	SYM
fbem-6227	14	18	75.2	75.2	NUM
fbem-6227	14	19	billion	billion	NUM
fbem-6227	14	20	globally	globally	ADV
fbem-6227	14	21	in	in	ADP
fbem-6227	14	22	2022	2022	NUM
fbem-6227	14	23	,	,	PUNCT
fbem-6227	14	24	down	down	ADV
fbem-6227	14	25	46	46	NUM
fbem-6227	14	26	%	%	NOUN
fbem-6227	14	27	from	from	ADP
fbem-6227	14	28	the	the	DET
fbem-6227	14	29	previous	previous	ADJ
fbem-6227	14	30	year	year	NOUN
fbem-6227	14	31	,	,	PUNCT
fbem-6227	14	32	but	but	CCONJ
fbem-6227	14	33	up	up	ADV
fbem-6227	14	34	52	52	NUM
fbem-6227	14	35	%	%	NOUN
fbem-6227	14	36	from	from	ADP
fbem-6227	14	37	2020	2020	NUM
fbem-6227	14	38	.	.	PUNCT
fbem-6227	15	1	for	for	ADP
fbem-6227	15	2	example	example	NOUN
fbem-6227	15	3	,	,	PUNCT
fbem-6227	15	4	china	china	PROPN
fbem-6227	15	5	merchants	merchant	NOUN
fbem-6227	15	6	bank	bank	PROPN
fbem-6227	15	7	will	will	AUX
fbem-6227	15	8	invest	invest	VERB
fbem-6227	15	9	13.291	13.291	NUM
fbem-6227	15	10	billion	billion	NUM
fbem-6227	15	11	yuan	yuan	NOUN
fbem-6227	15	12	in	in	ADP
fbem-6227	15	13	fintech	fintech	NOUN
fbem-6227	15	14	in	in	ADP
fbem-6227	15	15	2021	2021	NUM
fbem-6227	15	16	,	,	PUNCT
fbem-6227	15	17	an	an	DET
fbem-6227	15	18	increase	increase	NOUN
fbem-6227	15	19	of	of	ADP
fbem-6227	15	20	11.58	11.58	NUM
fbem-6227	15	21	%	%	NOUN
fbem-6227	15	22	compared	compare	VERB
fbem-6227	15	23	with	with	ADP
fbem-6227	15	24	2020	2020	NUM
fbem-6227	15	25	,	,	PUNCT
fbem-6227	15	26	and	and	CCONJ
fbem-6227	15	27	industrial	industrial	ADJ
fbem-6227	15	28	and	and	CCONJ
fbem-6227	15	29	commercial	commercial	ADJ
fbem-6227	15	30	bank	bank	PROPN
fbem-6227	15	31	of	of	ADP
fbem-6227	15	32	china	china	PROPN
fbem-6227	15	33	will	will	AUX
fbem-6227	15	34	invest	invest	VERB
fbem-6227	15	35	25.987	25.987	NUM
fbem-6227	15	36	billion	billion	NUM
fbem-6227	15	37	yuan	yuan	NOUN
fbem-6227	15	38	in	in	ADP
fbem-6227	15	39	fintech	fintech	NOUN
fbem-6227	15	40	in	in	ADP
fbem-6227	15	41	2021	2021	NUM
fbem-6227	15	42	,	,	PUNCT
fbem-6227	15	43	a	a	DET
fbem-6227	15	44	year	year	NOUN
fbem-6227	15	45	-	-	PUNCT
fbem-6227	15	46	on	on	ADP
fbem-6227	15	47	-	-	PUNCT
fbem-6227	15	48	year	year	NOUN
fbem-6227	15	49	increase	increase	NOUN
fbem-6227	15	50	of	of	ADP
fbem-6227	15	51	9.1	9.1	NUM
fbem-6227	15	52	%	%	NOUN
fbem-6227	15	53	.	.	PUNCT
fbem-6227	16	1	relying	rely	VERB
fbem-6227	16	2	on	on	ADP
fbem-6227	16	3	fintech	fintech	NOUN
fbem-6227	16	4	and	and	CCONJ
fbem-6227	16	5	centering	center	VERB
fbem-6227	16	6	on	on	ADP
fbem-6227	16	7	online	online	ADJ
fbem-6227	16	8	,	,	PUNCT
fbem-6227	16	9	digital	digital	ADJ
fbem-6227	16	10	,	,	PUNCT
fbem-6227	16	11	intelligent	intelligent	ADJ
fbem-6227	16	12	,	,	PUNCT
fbem-6227	16	13	platform	platform	NOUN
fbem-6227	16	14	,	,	PUNCT
fbem-6227	16	15	and	and	CCONJ
fbem-6227	16	16	ecological	ecological	ADJ
fbem-6227	16	17	,	,	PUNCT
fbem-6227	16	18	comprehensive	comprehensive	ADJ
fbem-6227	16	19	promotion	promotion	NOUN
fbem-6227	16	20	of	of	ADP
fbem-6227	16	21	the	the	DET
fbem-6227	16	22	digital	digital	ADJ
fbem-6227	16	23	reshaping	reshaping	NOUN
fbem-6227	16	24	of	of	ADP
fbem-6227	16	25	financial	financial	ADJ
fbem-6227	16	26	infrastructure	infrastructure	NOUN
fbem-6227	16	27	and	and	CCONJ
fbem-6227	16	28	capability	capability	NOUN
fbem-6227	16	29	system	system	NOUN
fbem-6227	16	30	,	,	PUNCT
fbem-6227	16	31	customers	customer	NOUN
fbem-6227	16	32	and	and	CCONJ
fbem-6227	16	33	channels	channel	NOUN
fbem-6227	16	34	,	,	PUNCT
fbem-6227	16	35	business	business	NOUN
fbem-6227	16	36	and	and	CCONJ
fbem-6227	16	37	products	product	NOUN
fbem-6227	16	38	,	,	PUNCT
fbem-6227	16	39	management	management	NOUN
fbem-6227	16	40	,	,	PUNCT
fbem-6227	16	41	and	and	CCONJ
fbem-6227	16	42	decision-making.so	decision-making.so	NOUN
fbem-6227	16	43	,	,	PUNCT
fbem-6227	16	44	what	what	PRON
fbem-6227	16	45	is	be	AUX
fbem-6227	16	46	the	the	DET
fbem-6227	16	47	impact	impact	NOUN
fbem-6227	16	48	of	of	ADP
fbem-6227	16	49	banks	bank	NOUN
fbem-6227	16	50	'	'	PART
fbem-6227	16	51	development	development	NOUN
fbem-6227	16	52	of	of	ADP
fbem-6227	16	53	fintech	fintech	NOUN
fbem-6227	16	54	on	on	ADP
fbem-6227	16	55	banks	bank	NOUN
fbem-6227	16	56	?	?	PUNCT
fbem-6227	17	1	what	what	PRON
fbem-6227	17	2	is	be	AUX
fbem-6227	17	3	the	the	DET
fbem-6227	17	4	mechanism	mechanism	NOUN
fbem-6227	17	5	of	of	ADP
fbem-6227	17	6	action	action	NOUN
fbem-6227	17	7	for	for	ADP
fbem-6227	17	8	banks	bank	NOUN
fbem-6227	17	9	?	?	PUNCT
fbem-6227	18	1	academic	academic	ADJ
fbem-6227	18	2	studies	study	NOUN
fbem-6227	18	3	on	on	ADP
fbem-6227	18	4	the	the	DET
fbem-6227	18	5	impact	impact	NOUN
fbem-6227	18	6	of	of	ADP
fbem-6227	18	7	fintech	fintech	NOUN
fbem-6227	18	8	on	on	ADP
fbem-6227	18	9	banks	bank	NOUN
fbem-6227	18	10	are	be	AUX
fbem-6227	18	11	mainly	mainly	ADV
fbem-6227	18	12	divided	divide	VERB
fbem-6227	18	13	into	into	ADP
fbem-6227	18	14	two	two	NUM
fbem-6227	18	15	camps	camp	NOUN
fbem-6227	18	16	.	.	PUNCT
fbem-6227	19	1	one	one	NUM
fbem-6227	19	2	is	be	AUX
fbem-6227	19	3	from	from	ADP
fbem-6227	19	4	the	the	DET
fbem-6227	19	5	external	external	ADJ
fbem-6227	19	6	aspect	aspect	NOUN
fbem-6227	19	7	,	,	PUNCT
fbem-6227	19	8	for	for	ADP
fbem-6227	19	9	example	example	NOUN
fbem-6227	19	10	,	,	PUNCT
fbem-6227	19	11	internet	internet	NOUN
fbem-6227	19	12	finance	finance	NOUN
fbem-6227	19	13	will	will	AUX
fbem-6227	19	14	push	push	VERB
fbem-6227	19	15	up	up	ADP
fbem-6227	19	16	the	the	DET
fbem-6227	19	17	capital	capital	NOUN
fbem-6227	19	18	cost	cost	NOUN
fbem-6227	19	19	of	of	ADP
fbem-6227	19	20	commercial	commercial	ADJ
fbem-6227	19	21	banks	bank	NOUN
fbem-6227	19	22	,	,	PUNCT
fbem-6227	19	23	thus	thus	ADV
fbem-6227	19	24	decreasing	decrease	VERB
fbem-6227	19	25	profitability	profitability	NOUN
fbem-6227	19	26	and	and	CCONJ
fbem-6227	19	27	increasing	increase	VERB
fbem-6227	19	28	the	the	DET
fbem-6227	19	29	bankruptcy	bankruptcy	NOUN
fbem-6227	19	30	risk	risk	NOUN
fbem-6227	19	31	of	of	ADP
fbem-6227	19	32	banks	bank	NOUN
fbem-6227	19	33	[	[	X
fbem-6227	19	34	2	2	NUM
fbem-6227	19	35	]	]	PUNCT
fbem-6227	19	36	.	.	PUNCT
fbem-6227	20	1	the	the	DET
fbem-6227	20	2	second	second	NOUN
fbem-6227	20	3	is	be	AUX
fbem-6227	20	4	from	from	ADP
fbem-6227	20	5	the	the	DET
fbem-6227	20	6	internal	internal	ADJ
fbem-6227	20	7	aspects	aspect	NOUN
fbem-6227	20	8	,	,	PUNCT
fbem-6227	20	9	such	such	ADJ
fbem-6227	20	10	as	as	ADP
fbem-6227	20	11	the	the	DET
fbem-6227	20	12	operation	operation	NOUN
fbem-6227	20	13	performance	performance	NOUN
fbem-6227	20	14	of	of	ADP
fbem-6227	20	15	banks	bank	NOUN
fbem-6227	20	16	[	[	X
fbem-6227	20	17	3	3	NUM
fbem-6227	20	18	]	]	PUNCT
fbem-6227	20	19	,	,	PUNCT
fbem-6227	20	20	the	the	DET
fbem-6227	20	21	risk	risk	NOUN
fbem-6227	20	22	-	-	PUNCT
fbem-6227	20	23	bearing	bear	VERB
fbem-6227	20	24	level	level	NOUN
fbem-6227	20	25	of	of	ADP
fbem-6227	20	26	small	small	ADJ
fbem-6227	20	27	and	and	CCONJ
fbem-6227	20	28	medium	medium	ADJ
fbem-6227	20	29	-	-	PUNCT
fbem-6227	20	30	sized	sized	ADJ
fbem-6227	20	31	banks	bank	NOUN
fbem-6227	20	32	[	[	X
fbem-6227	20	33	4	4	NUM
fbem-6227	20	34	]	]	PUNCT
fbem-6227	20	35	,	,	PUNCT
fbem-6227	20	36	and	and	CCONJ
fbem-6227	20	37	other	other	ADJ
fbem-6227	20	38	aspects	aspect	NOUN
fbem-6227	20	39	.	.	PUNCT
fbem-6227	21	1	to	to	PART
fbem-6227	21	2	sum	sum	VERB
fbem-6227	21	3	up	up	ADP
fbem-6227	21	4	,	,	PUNCT
fbem-6227	21	5	the	the	DET
fbem-6227	21	6	current	current	ADJ
fbem-6227	21	7	research	research	NOUN
fbem-6227	21	8	on	on	ADP
fbem-6227	21	9	banks	bank	NOUN
fbem-6227	21	10	'	'	PART
fbem-6227	21	11	development	development	NOUN
fbem-6227	21	12	of	of	ADP
fbem-6227	21	13	fintech	fintech	NOUN
fbem-6227	21	14	is	be	AUX
fbem-6227	21	15	not	not	PART
fbem-6227	21	16	comprehensive	comprehensive	ADJ
fbem-6227	21	17	enough	enough	ADV
fbem-6227	21	18	and	and	CCONJ
fbem-6227	21	19	is	be	AUX
fbem-6227	21	20	still	still	ADV
fbem-6227	21	21	in	in	ADP
fbem-6227	21	22	the	the	DET
fbem-6227	21	23	initial	initial	ADJ
fbem-6227	21	24	stage	stage	NOUN
fbem-6227	21	25	.	.	PUNCT
fbem-6227	22	1	the	the	DET
fbem-6227	22	2	internal	internal	ADJ
fbem-6227	22	3	perspective	perspective	NOUN
fbem-6227	22	4	also	also	ADV
fbem-6227	22	5	mainly	mainly	ADV
fbem-6227	22	6	uses	use	VERB
fbem-6227	22	7	the	the	DET
fbem-6227	22	8	intermediary	intermediary	ADJ
fbem-6227	22	9	effect	effect	NOUN
fbem-6227	22	10	to	to	PART
fbem-6227	22	11	study	study	VERB
fbem-6227	22	12	,	,	PUNCT
fbem-6227	22	13	and	and	CCONJ
fbem-6227	22	14	research	research	NOUN
fbem-6227	22	15	on	on	ADP
fbem-6227	22	16	the	the	DET
fbem-6227	22	17	single	single	ADJ
fbem-6227	22	18	index	index	NOUN
fbem-6227	22	19	of	of	ADP
fbem-6227	22	20	banks	bank	NOUN
fbem-6227	22	21	is	be	AUX
fbem-6227	22	22	less	less	ADJ
fbem-6227	22	23	.	.	PUNCT
fbem-6227	23	1	therefore	therefore	ADV
fbem-6227	23	2	,	,	PUNCT
fbem-6227	23	3	the	the	DET
fbem-6227	23	4	incremental	incremental	ADJ
fbem-6227	23	5	contribution	contribution	NOUN
fbem-6227	23	6	of	of	ADP
fbem-6227	23	7	this	this	DET
fbem-6227	23	8	paper	paper	NOUN
fbem-6227	23	9	is	be	AUX
fbem-6227	23	10	mainly	mainly	ADV
fbem-6227	23	11	reflected	reflect	VERB
fbem-6227	23	12	in	in	ADP
fbem-6227	23	13	the	the	DET
fbem-6227	23	14	study	study	NOUN
fbem-6227	23	15	and	and	CCONJ
fbem-6227	23	16	explanation	explanation	NOUN
fbem-6227	23	17	of	of	ADP
fbem-6227	23	18	the	the	DET
fbem-6227	23	19	influence	influence	NOUN
fbem-6227	23	20	of	of	ADP
fbem-6227	23	21	banks	bank	NOUN
fbem-6227	23	22	'	'	PART
fbem-6227	23	23	development	development	NOUN
fbem-6227	23	24	of	of	ADP
fbem-6227	23	25	fintech	fintech	NOUN
fbem-6227	23	26	from	from	ADP
fbem-6227	23	27	the	the	DET
fbem-6227	23	28	micro	micro	PROPN
fbem-6227	23	29	perspective	perspective	NOUN
fbem-6227	23	30	of	of	ADP
fbem-6227	23	31	the	the	DET
fbem-6227	23	32	non	non	ADJ
fbem-6227	23	33	-	-	ADJ
fbem-6227	23	34	performing	perform	VERB
fbem-6227	23	35	ratio	ratio	NOUN
fbem-6227	23	36	and	and	CCONJ
fbem-6227	23	37	net	net	ADJ
fbem-6227	23	38	interest	interest	NOUN
fbem-6227	23	39	margin	margin	NOUN
fbem-6227	23	40	.	.	PUNCT
fbem-6227	24	1	second	second	ADJ
fbem-6227	24	2	,	,	PUNCT
fbem-6227	24	3	it	it	PRON
fbem-6227	24	4	is	be	AUX
fbem-6227	24	5	reflected	reflect	VERB
fbem-6227	24	6	in	in	ADP
fbem-6227	24	7	the	the	DET
fbem-6227	24	8	measurement	measurement	NOUN
fbem-6227	24	9	of	of	ADP
fbem-6227	24	10	the	the	DET
fbem-6227	24	11	fintech	fintech	NOUN
fbem-6227	24	12	index	index	NOUN
fbem-6227	24	13	.	.	PUNCT
fbem-6227	25	1	in	in	ADP
fbem-6227	25	2	the	the	DET
fbem-6227	25	3	process	process	NOUN
fbem-6227	25	4	of	of	ADP
fbem-6227	25	5	constructing	construct	VERB
fbem-6227	25	6	the	the	DET
fbem-6227	25	7	fintech	fintech	NOUN
fbem-6227	25	8	index	index	NOUN
fbem-6227	25	9	,	,	PUNCT
fbem-6227	25	10	this	this	DET
fbem-6227	25	11	paper	paper	NOUN
fbem-6227	25	12	analyzes	analyze	VERB
fbem-6227	25	13	the	the	DET
fbem-6227	25	14	text	text	NOUN
fbem-6227	25	15	of	of	ADP
fbem-6227	25	16	the	the	DET
fbem-6227	25	17	annual	annual	ADJ
fbem-6227	25	18	report	report	NOUN
fbem-6227	25	19	and	and	CCONJ
fbem-6227	25	20	considers	consider	VERB
fbem-6227	25	21	the	the	DET
fbem-6227	25	22	expenditure	expenditure	NOUN
fbem-6227	25	23	of	of	ADP
fbem-6227	25	24	banking	banking	NOUN
fbem-6227	25	25	business	business	NOUN
fbem-6227	25	26	and	and	CCONJ
fbem-6227	25	27	management	management	NOUN
fbem-6227	25	28	fees	fee	NOUN
fbem-6227	25	29	,	,	PUNCT
fbem-6227	25	30	so	so	SCONJ
fbem-6227	25	31	as	as	SCONJ
fbem-6227	25	32	to	to	PART
fbem-6227	25	33	more	more	ADV
fbem-6227	25	34	accurately	accurately	ADV
fbem-6227	25	35	and	and	CCONJ
fbem-6227	25	36	comprehensively	comprehensively	ADV
fbem-6227	25	37	reflect	reflect	VERB
fbem-6227	25	38	the	the	DET
fbem-6227	25	39	level	level	NOUN
fbem-6227	25	40	of	of	ADP
fbem-6227	25	41	the	the	DET
fbem-6227	25	42	bank	bank	NOUN
fbem-6227	25	43	's	's	PART
fbem-6227	25	44	fintech	fintech	NOUN
fbem-6227	25	45	index	index	NOUN
fbem-6227	25	46	.	.	PUNCT
fbem-6227	26	1	2	2	X
fbem-6227	26	2	.	.	X
fbem-6227	26	3	literature	literature	PROPN
fbem-6227	26	4	review	review	PROPN
fbem-6227	26	5	from	from	ADP
fbem-6227	26	6	internet	internet	NOUN
fbem-6227	26	7	finance	finance	NOUN
fbem-6227	26	8	in	in	ADP
fbem-6227	26	9	the	the	DET
fbem-6227	26	10	past	past	ADJ
fbem-6227	26	11	few	few	ADJ
fbem-6227	26	12	years	year	NOUN
fbem-6227	26	13	to	to	ADP
fbem-6227	26	14	fintech	fintech	NOUN
fbem-6227	26	15	now	now	ADV
fbem-6227	26	16	,	,	PUNCT
fbem-6227	26	17	its	its	PRON
fbem-6227	26	18	rapid	rapid	ADJ
fbem-6227	26	19	development	development	NOUN
fbem-6227	26	20	has	have	AUX
fbem-6227	26	21	exerted	exert	VERB
fbem-6227	26	22	a	a	DET
fbem-6227	26	23	significant	significant	ADJ
fbem-6227	26	24	influence	influence	NOUN
fbem-6227	26	25	not	not	PART
fbem-6227	26	26	only	only	ADV
fbem-6227	26	27	on	on	ADP
fbem-6227	26	28	the	the	DET
fbem-6227	26	29	academic	academic	ADJ
fbem-6227	26	30	community	community	NOUN
fbem-6227	26	31	but	but	CCONJ
fbem-6227	26	32	also	also	ADV
fbem-6227	26	33	on	on	ADP
fbem-6227	26	34	the	the	DET
fbem-6227	26	35	business	business	NOUN
fbem-6227	26	36	community	community	NOUN
fbem-6227	26	37	,	,	PUNCT
fbem-6227	26	38	particularly	particularly	ADV
fbem-6227	26	39	on	on	ADP
fbem-6227	26	40	commercial	commercial	ADJ
fbem-6227	26	41	banks.according	banks.accorde	VERB
fbem-6227	26	42	to	to	ADP
fbem-6227	26	43	the	the	DET
fbem-6227	26	44	definition	definition	NOUN
fbem-6227	26	45	of	of	ADP
fbem-6227	26	46	baidu	baidu	NOUN
fbem-6227	26	47	baike	baike	NOUN
fbem-6227	26	48	,	,	PUNCT
fbem-6227	26	49	fintech	fintech	NOUN
fbem-6227	26	50	can	can	AUX
fbem-6227	26	51	be	be	AUX
fbem-6227	26	52	simply	simply	ADV
fbem-6227	26	53	understood	understand	VERB
fbem-6227	26	54	as	as	ADP
fbem-6227	26	55	finance	finance	NOUN
fbem-6227	26	56	+	+	ADP
fbem-6227	26	57	technology.this	technology.this	PROPN
fbem-6227	26	58	means	mean	VERB
fbem-6227	26	59	to	to	PART
fbem-6227	26	60	innovate	innovate	VERB
fbem-6227	26	61	the	the	DET
fbem-6227	26	62	products	product	NOUN
fbem-6227	26	63	and	and	CCONJ
fbem-6227	26	64	services	service	NOUN
fbem-6227	26	65	provided	provide	VERB
fbem-6227	26	66	by	by	ADP
fbem-6227	26	67	the	the	DET
fbem-6227	26	68	traditional	traditional	ADJ
fbem-6227	26	69	financial	financial	ADJ
fbem-6227	26	70	industry	industry	NOUN
fbem-6227	26	71	through	through	ADP
fbem-6227	26	72	various	various	ADJ
fbem-6227	26	73	technological	technological	ADJ
fbem-6227	26	74	means	mean	NOUN
fbem-6227	26	75	to	to	PART
fbem-6227	26	76	improve	improve	VERB
fbem-6227	26	77	efficiency	efficiency	NOUN
fbem-6227	26	78	and	and	CCONJ
fbem-6227	26	79	effectively	effectively	ADV
fbem-6227	26	80	reduce	reduce	VERB
fbem-6227	26	81	operating	operating	NOUN
fbem-6227	26	82	costs.in	costs.in	PRON
fbem-6227	26	83	the	the	DET
fbem-6227	26	84	first	first	ADJ
fbem-6227	26	85	edition	edition	NOUN
fbem-6227	26	86	of	of	ADP
fbem-6227	26	87	fintech	fintech	NOUN
fbem-6227	26	88	development	development	NOUN
fbem-6227	26	89	plan	plan	NOUN
fbem-6227	26	90	issued	issue	VERB
fbem-6227	26	91	by	by	ADP
fbem-6227	26	92	the	the	DET
fbem-6227	26	93	people	people	NOUN
fbem-6227	26	94	's	's	PART
fbem-6227	26	95	bank	bank	PROPN
fbem-6227	26	96	of	of	ADP
fbem-6227	26	97	china	china	PROPN
fbem-6227	26	98	,	,	PUNCT
fbem-6227	26	99	fintech	fintech	NOUN
fbem-6227	26	100	is	be	AUX
fbem-6227	26	101	defined	define	VERB
fbem-6227	26	102	as	as	ADP
fbem-6227	26	103	technology	technology	NOUN
fbem-6227	26	104	-	-	PUNCT
fbem-6227	26	105	driven	drive	VERB
fbem-6227	26	106	financial	financial	ADJ
fbem-6227	26	107	innovation	innovation	NOUN
fbem-6227	26	108	,	,	PUNCT
fbem-6227	26	109	aiming	aim	VERB
fbem-6227	26	110	to	to	PART
fbem-6227	26	111	use	use	VERB
fbem-6227	26	112	modern	modern	ADJ
fbem-6227	26	113	scientific	scientific	ADJ
fbem-6227	26	114	and	and	CCONJ
fbem-6227	26	115	technological	technological	ADJ
fbem-6227	26	116	achievements	achievement	NOUN
fbem-6227	26	117	to	to	PART
fbem-6227	26	118	transform	transform	VERB
fbem-6227	26	119	or	or	CCONJ
fbem-6227	26	120	innovate	innovate	VERB
fbem-6227	26	121	financial	financial	ADJ
fbem-6227	26	122	267	267	NUM
fbem-6227	26	123	products	product	NOUN
fbem-6227	26	124	,	,	PUNCT
fbem-6227	26	125	business	business	NOUN
fbem-6227	26	126	models	model	NOUN
fbem-6227	26	127	and	and	CCONJ
fbem-6227	26	128	business	business	NOUN
fbem-6227	26	129	processes	process	NOUN
fbem-6227	26	130	,	,	PUNCT
fbem-6227	26	131	so	so	SCONJ
fbem-6227	26	132	as	as	SCONJ
fbem-6227	26	133	to	to	PART
fbem-6227	26	134	improve	improve	VERB
fbem-6227	26	135	the	the	DET
fbem-6227	26	136	quality	quality	NOUN
fbem-6227	26	137	and	and	CCONJ
fbem-6227	26	138	efficiency	efficiency	NOUN
fbem-6227	26	139	of	of	ADP
fbem-6227	26	140	financial	financial	ADJ
fbem-6227	26	141	development.we	development.we	X
fbem-6227	26	142	will	will	AUX
fbem-6227	26	143	fully	fully	ADV
fbem-6227	26	144	leverage	leverage	VERB
fbem-6227	26	145	the	the	DET
fbem-6227	26	146	enabling	enable	VERB
fbem-6227	26	147	role	role	NOUN
fbem-6227	26	148	of	of	ADP
fbem-6227	26	149	fintech	fintech	NOUN
fbem-6227	26	150	and	and	CCONJ
fbem-6227	26	151	enhance	enhance	VERB
fbem-6227	26	152	the	the	DET
fbem-6227	26	153	capacity	capacity	NOUN
fbem-6227	26	154	and	and	CCONJ
fbem-6227	26	155	efficiency	efficiency	NOUN
fbem-6227	26	156	of	of	ADP
fbem-6227	26	157	financial	financial	ADJ
fbem-6227	26	158	services	service	NOUN
fbem-6227	26	159	to	to	PART
fbem-6227	26	160	serve	serve	VERB
fbem-6227	26	161	the	the	DET
fbem-6227	26	162	real	real	ADJ
fbem-6227	26	163	economy.the	economy.the	DET
fbem-6227	26	164	fsb	fsb	NOUN
fbem-6227	26	165	(	(	PUNCT
fbem-6227	26	166	global	global	ADJ
fbem-6227	26	167	financial	financial	ADJ
fbem-6227	26	168	stability	stability	PROPN
fbem-6227	26	169	board	board	PROPN
fbem-6227	26	170	)	)	PUNCT
fbem-6227	26	171	defines	define	VERB
fbem-6227	26	172	financial	financial	ADJ
fbem-6227	26	173	technology	technology	NOUN
fbem-6227	26	174	(	(	PUNCT
fbem-6227	26	175	fintech	fintech	NOUN
fbem-6227	26	176	)	)	PUNCT
fbem-6227	26	177	as	as	ADP
fbem-6227	26	178	technology	technology	NOUN
fbem-6227	26	179	-	-	PUNCT
fbem-6227	26	180	based	base	VERB
fbem-6227	26	181	innovation	innovation	NOUN
fbem-6227	26	182	in	in	ADP
fbem-6227	26	183	financial	financial	ADJ
fbem-6227	26	184	services	service	NOUN
fbem-6227	26	185	that	that	PRON
fbem-6227	26	186	can	can	AUX
fbem-6227	26	187	result	result	VERB
fbem-6227	26	188	in	in	ADP
fbem-6227	26	189	new	new	ADJ
fbem-6227	26	190	business	business	NOUN
fbem-6227	26	191	models	model	NOUN
fbem-6227	26	192	,	,	PUNCT
fbem-6227	26	193	applications	application	NOUN
fbem-6227	26	194	,	,	PUNCT
fbem-6227	26	195	processes	process	NOUN
fbem-6227	26	196	or	or	CCONJ
fbem-6227	26	197	products	product	NOUN
fbem-6227	26	198	that	that	PRON
fbem-6227	26	199	have	have	VERB
fbem-6227	26	200	a	a	DET
fbem-6227	26	201	significant	significant	ADJ
fbem-6227	26	202	impact	impact	NOUN
fbem-6227	26	203	on	on	ADP
fbem-6227	26	204	the	the	DET
fbem-6227	26	205	provision	provision	NOUN
fbem-6227	26	206	of	of	ADP
fbem-6227	26	207	financial	financial	ADJ
fbem-6227	26	208	services.in	services.in	NUM
fbem-6227	26	209	short	short	ADJ
fbem-6227	26	210	,	,	PUNCT
fbem-6227	26	211	fintech	fintech	NOUN
fbem-6227	26	212	is	be	AUX
fbem-6227	26	213	a	a	DET
fbem-6227	26	214	form	form	NOUN
fbem-6227	26	215	of	of	ADP
fbem-6227	26	216	technology	technology	NOUN
fbem-6227	26	217	that	that	PRON
fbem-6227	26	218	incorporates	incorporate	VERB
fbem-6227	26	219	financial	financial	ADJ
fbem-6227	26	220	and	and	CCONJ
fbem-6227	26	221	technological	technological	ADJ
fbem-6227	26	222	aspects	aspect	NOUN
fbem-6227	26	223	into	into	ADP
fbem-6227	26	224	financial	financial	ADJ
fbem-6227	26	225	service	service	NOUN
fbem-6227	26	226	delivery.through	delivery.through	ADP
fbem-6227	26	227	the	the	DET
fbem-6227	26	228	above	above	ADJ
fbem-6227	26	229	definition	definition	NOUN
fbem-6227	26	230	of	of	ADP
fbem-6227	26	231	fintech	fintech	NOUN
fbem-6227	26	232	,	,	PUNCT
fbem-6227	26	233	it	it	PRON
fbem-6227	26	234	is	be	AUX
fbem-6227	26	235	not	not	PART
fbem-6227	26	236	difficult	difficult	ADJ
fbem-6227	26	237	to	to	PART
fbem-6227	26	238	find	find	VERB
fbem-6227	26	239	that	that	SCONJ
fbem-6227	26	240	fintech	fintech	NOUN
fbem-6227	26	241	is	be	AUX
fbem-6227	26	242	a	a	DET
fbem-6227	26	243	kind	kind	NOUN
fbem-6227	26	244	of	of	ADP
fbem-6227	26	245	innovation	innovation	NOUN
fbem-6227	26	246	,	,	PUNCT
fbem-6227	26	247	which	which	PRON
fbem-6227	26	248	has	have	AUX
fbem-6227	26	249	brought	bring	VERB
fbem-6227	26	250	certain	certain	ADJ
fbem-6227	26	251	impact	impact	NOUN
fbem-6227	26	252	on	on	ADP
fbem-6227	26	253	the	the	DET
fbem-6227	26	254	real	real	ADJ
fbem-6227	26	255	economy	economy	NOUN
fbem-6227	26	256	and	and	CCONJ
fbem-6227	26	257	financial	financial	ADJ
fbem-6227	26	258	services	service	NOUN
fbem-6227	26	259	.	.	PUNCT
fbem-6227	27	1	in	in	ADP
fbem-6227	27	2	addition	addition	NOUN
fbem-6227	27	3	,	,	PUNCT
fbem-6227	27	4	many	many	ADJ
fbem-6227	27	5	scholars	scholar	NOUN
fbem-6227	27	6	at	at	ADP
fbem-6227	27	7	home	home	ADV
fbem-6227	27	8	and	and	CCONJ
fbem-6227	27	9	abroad	abroad	ADV
fbem-6227	27	10	also	also	ADV
fbem-6227	27	11	sttempt	sttempt	VERB
fbem-6227	27	12	to	to	PART
fbem-6227	27	13	define	define	VERB
fbem-6227	27	14	fintech	fintech	NOUN
fbem-6227	27	15	when	when	SCONJ
fbem-6227	27	16	studying	study	VERB
fbem-6227	27	17	the	the	DET
fbem-6227	27	18	influence	influence	NOUN
fbem-6227	27	19	of	of	ADP
fbem-6227	27	20	fintech	fintech	NOUN
fbem-6227	27	21	on	on	ADP
fbem-6227	27	22	banks.based	banks.based	NUM
fbem-6227	27	23	on	on	ADP
fbem-6227	27	24	a	a	DET
fbem-6227	27	25	series	series	NOUN
fbem-6227	27	26	of	of	ADP
fbem-6227	27	27	technological	technological	ADJ
fbem-6227	27	28	innovations	innovation	NOUN
fbem-6227	27	29	such	such	ADJ
fbem-6227	27	30	as	as	ADP
fbem-6227	27	31	big	big	ADJ
fbem-6227	27	32	data	datum	NOUN
fbem-6227	27	33	,	,	PUNCT
fbem-6227	27	34	cloud	cloud	NOUN
fbem-6227	27	35	computing	computing	NOUN
fbem-6227	27	36	,	,	PUNCT
fbem-6227	27	37	artificial	artificial	ADJ
fbem-6227	27	38	intelligence	intelligence	NOUN
fbem-6227	27	39	and	and	CCONJ
fbem-6227	27	40	blockchain	blockchain	PROPN
fbem-6227	27	41	,	,	PUNCT
fbem-6227	27	42	fintech	fintech	NOUN
fbem-6227	27	43	is	be	AUX
fbem-6227	27	44	fully	fully	ADV
fbem-6227	27	45	applied	apply	VERB
fbem-6227	27	46	to	to	ADP
fbem-6227	27	47	face	face	VERB
fbem-6227	27	48	recognition	recognition	NOUN
fbem-6227	27	49	,	,	PUNCT
fbem-6227	27	50	speech	speech	NOUN
fbem-6227	27	51	semantic	semantic	ADJ
fbem-6227	27	52	recognition	recognition	NOUN
fbem-6227	27	53	,	,	PUNCT
fbem-6227	27	54	payment	payment	NOUN
fbem-6227	27	55	and	and	CCONJ
fbem-6227	27	56	clearing	clearing	NOUN
fbem-6227	27	57	,	,	PUNCT
fbem-6227	27	58	lending	lending	NOUN
fbem-6227	27	59	and	and	CCONJ
fbem-6227	27	60	financing	financing	NOUN
fbem-6227	27	61	,	,	PUNCT
fbem-6227	27	62	risk	risk	NOUN
fbem-6227	27	63	control	control	NOUN
fbem-6227	27	64	,	,	PUNCT
fbem-6227	27	65	wealth	wealth	NOUN
fbem-6227	27	66	management	management	NOUN
fbem-6227	27	67	,	,	PUNCT
fbem-6227	27	68	retail	retail	ADJ
fbem-6227	27	69	banking	banking	NOUN
fbem-6227	27	70	,	,	PUNCT
fbem-6227	27	71	transaction	transaction	NOUN
fbem-6227	27	72	settlement	settlement	NOUN
fbem-6227	27	73	and	and	CCONJ
fbem-6227	27	74	other	other	ADJ
fbem-6227	27	75	financial	financial	ADJ
fbem-6227	27	76	fields	field	NOUN
fbem-6227	27	77	,	,	PUNCT
fbem-6227	27	78	achieving	achieve	VERB
fbem-6227	27	79	a	a	DET
fbem-6227	27	80	high	high	ADJ
fbem-6227	27	81	degree	degree	NOUN
fbem-6227	27	82	of	of	ADP
fbem-6227	27	83	integration	integration	NOUN
fbem-6227	27	84	of	of	ADP
fbem-6227	27	85	finance	finance	NOUN
fbem-6227	27	86	and	and	CCONJ
fbem-6227	27	87	technology.in	technology.in	X
fbem-6227	27	88	short	short	ADJ
fbem-6227	27	89	,	,	PUNCT
fbem-6227	27	90	fintech	fintech	NOUN
fbem-6227	27	91	is	be	AUX
fbem-6227	27	92	a	a	DET
fbem-6227	27	93	technical	technical	ADJ
fbem-6227	27	94	means	mean	NOUN
fbem-6227	27	95	to	to	PART
fbem-6227	27	96	apply	apply	VERB
fbem-6227	27	97	science	science	NOUN
fbem-6227	27	98	and	and	CCONJ
fbem-6227	27	99	technology	technology	NOUN
fbem-6227	27	100	to	to	ADP
fbem-6227	27	101	the	the	DET
fbem-6227	27	102	financial	financial	ADJ
fbem-6227	27	103	industry	industry	NOUN
fbem-6227	27	104	,	,	PUNCT
fbem-6227	27	105	expand	expand	VERB
fbem-6227	27	106	the	the	DET
fbem-6227	27	107	service	service	NOUN
fbem-6227	27	108	group	group	NOUN
fbem-6227	27	109	of	of	ADP
fbem-6227	27	110	the	the	DET
fbem-6227	27	111	financial	financial	ADJ
fbem-6227	27	112	industry	industry	NOUN
fbem-6227	27	113	,	,	PUNCT
fbem-6227	27	114	reduce	reduce	VERB
fbem-6227	27	115	transaction	transaction	NOUN
fbem-6227	27	116	costs	cost	NOUN
fbem-6227	27	117	,	,	PUNCT
fbem-6227	27	118	and	and	CCONJ
fbem-6227	27	119	improve	improve	VERB
fbem-6227	27	120	industry	industry	NOUN
fbem-6227	27	121	efficiency	efficiency	NOUN
fbem-6227	27	122	[	[	X
fbem-6227	27	123	5	5	NUM
fbem-6227	27	124	]	]	PUNCT
fbem-6227	27	125	.	.	PUNCT
fbem-6227	28	1	with	with	ADP
fbem-6227	28	2	research	research	NOUN
fbem-6227	28	3	on	on	ADP
fbem-6227	28	4	fintech	fintech	NOUN
fbem-6227	28	5	,	,	PUNCT
fbem-6227	28	6	the	the	DET
fbem-6227	28	7	influence	influence	NOUN
fbem-6227	28	8	of	of	ADP
fbem-6227	28	9	external	external	ADJ
fbem-6227	28	10	fintech	fintech	NOUN
fbem-6227	28	11	,	,	PUNCT
fbem-6227	28	12	such	such	ADJ
fbem-6227	28	13	as	as	ADP
fbem-6227	28	14	internet	internet	NOUN
fbem-6227	28	15	finance	finance	NOUN
fbem-6227	28	16	,	,	PUNCT
fbem-6227	28	17	on	on	ADP
fbem-6227	28	18	commercial	commercial	ADJ
fbem-6227	28	19	banks	bank	NOUN
fbem-6227	28	20	has	have	AUX
fbem-6227	28	21	been	be	AUX
fbem-6227	28	22	studied	study	VERB
fbem-6227	28	23	at	at	ADP
fbem-6227	28	24	the	the	DET
fbem-6227	28	25	early	early	ADJ
fbem-6227	28	26	stage	stage	NOUN
fbem-6227	28	27	.	.	PUNCT
fbem-6227	29	1	wang	wang	PROPN
fbem-6227	29	2	sheng	sheng	PROPN
fbem-6227	29	3	et	et	PROPN
fbem-6227	29	4	al	al	PROPN
fbem-6227	29	5	.	.	PROPN
fbem-6227	29	6	showed	show	VERB
fbem-6227	29	7	that	that	SCONJ
fbem-6227	29	8	the	the	DET
fbem-6227	29	9	influence	influence	NOUN
fbem-6227	29	10	of	of	ADP
fbem-6227	29	11	internet	internet	NOUN
fbem-6227	29	12	finance	finance	NOUN
fbem-6227	29	13	on	on	ADP
fbem-6227	29	14	the	the	DET
fbem-6227	29	15	risk	risk	NOUN
fbem-6227	29	16	taking	taking	NOUN
fbem-6227	29	17	of	of	ADP
fbem-6227	29	18	chinese	chinese	ADJ
fbem-6227	29	19	commercial	commercial	ADJ
fbem-6227	29	20	banks	bank	NOUN
fbem-6227	29	21	presents	present	VERB
fbem-6227	29	22	an	an	DET
fbem-6227	29	23	inverted	inverted	ADJ
fbem-6227	29	24	u	u	ADJ
fbem-6227	29	25	-	-	ADJ
fbem-6227	29	26	shaped	shape	VERB
fbem-6227	29	27	distribution	distribution	NOUN
fbem-6227	29	28	,	,	PUNCT
fbem-6227	29	29	that	that	ADV
fbem-6227	29	30	is	is	ADV
fbem-6227	29	31	,	,	PUNCT
fbem-6227	29	32	the	the	DET
fbem-6227	29	33	risk	risk	NOUN
fbem-6227	29	34	taking	taking	NOUN
fbem-6227	29	35	of	of	ADP
fbem-6227	29	36	commercial	commercial	ADJ
fbem-6227	29	37	banks	bank	NOUN
fbem-6227	29	38	rises	rise	VERB
fbem-6227	29	39	first	first	ADV
fbem-6227	29	40	and	and	CCONJ
fbem-6227	29	41	then	then	ADV
fbem-6227	29	42	falls	fall	VERB
fbem-6227	29	43	[	[	X
fbem-6227	29	44	6].now	6].now	PUNCT
fbem-6227	29	45	scholars	scholar	NOUN
fbem-6227	29	46	are	be	AUX
fbem-6227	29	47	beginning	begin	VERB
fbem-6227	29	48	to	to	PART
fbem-6227	29	49	focus	focus	VERB
fbem-6227	29	50	on	on	ADP
fbem-6227	29	51	the	the	DET
fbem-6227	29	52	microlevel	microlevel	NOUN
fbem-6227	29	53	of	of	ADP
fbem-6227	29	54	banks	bank	NOUN
fbem-6227	29	55	.	.	PUNCT
fbem-6227	30	1	the	the	DET
fbem-6227	30	2	existing	exist	VERB
fbem-6227	30	3	literature	literature	NOUN
fbem-6227	30	4	shows	show	VERB
fbem-6227	30	5	that	that	SCONJ
fbem-6227	30	6	the	the	DET
fbem-6227	30	7	influence	influence	NOUN
fbem-6227	30	8	of	of	ADP
fbem-6227	30	9	fintech	fintech	NOUN
fbem-6227	30	10	on	on	ADP
fbem-6227	30	11	commercial	commercial	ADJ
fbem-6227	30	12	banks	bank	NOUN
fbem-6227	30	13	can	can	AUX
fbem-6227	30	14	be	be	AUX
fbem-6227	30	15	roughly	roughly	ADV
fbem-6227	30	16	classified	classify	VERB
fbem-6227	30	17	from	from	ADP
fbem-6227	30	18	the	the	DET
fbem-6227	30	19	positive	positive	ADJ
fbem-6227	30	20	and	and	CCONJ
fbem-6227	30	21	negative	negative	ADJ
fbem-6227	30	22	aspects	aspect	NOUN
fbem-6227	30	23	.	.	PUNCT
fbem-6227	31	1	in	in	ADP
fbem-6227	31	2	terms	term	NOUN
fbem-6227	31	3	of	of	ADP
fbem-6227	31	4	positive	positive	ADJ
fbem-6227	31	5	influence	influence	NOUN
fbem-6227	31	6	,	,	PUNCT
fbem-6227	31	7	zhao	zhao	X
fbem-6227	31	8	qingbo	qingbo	VERB
fbem-6227	31	9	et	et	PROPN
fbem-6227	31	10	al	al	PROPN
fbem-6227	31	11	.	.	PROPN
fbem-6227	32	1	(	(	PUNCT
fbem-6227	32	2	2022	2022	NUM
fbem-6227	32	3	)	)	PUNCT
fbem-6227	32	4	pointed	point	VERB
fbem-6227	32	5	out	out	ADP
fbem-6227	32	6	that	that	SCONJ
fbem-6227	32	7	the	the	DET
fbem-6227	32	8	development	development	NOUN
fbem-6227	32	9	of	of	ADP
fbem-6227	32	10	fintech	fintech	NOUN
fbem-6227	32	11	can	can	AUX
fbem-6227	32	12	significantly	significantly	ADV
fbem-6227	32	13	improve	improve	VERB
fbem-6227	32	14	the	the	DET
fbem-6227	32	15	operating	operating	NOUN
fbem-6227	32	16	performance	performance	NOUN
fbem-6227	32	17	of	of	ADP
fbem-6227	32	18	banks	bank	NOUN
fbem-6227	32	19	by	by	ADP
fbem-6227	32	20	reducing	reduce	VERB
fbem-6227	32	21	the	the	DET
fbem-6227	32	22	non	non	ADJ
fbem-6227	32	23	-	-	ADJ
fbem-6227	32	24	performing	performing	ADJ
fbem-6227	32	25	loan	loan	NOUN
fbem-6227	32	26	ratio	ratio	NOUN
fbem-6227	32	27	and	and	CCONJ
fbem-6227	32	28	cost	cost	NOUN
fbem-6227	32	29	-	-	PUNCT
fbem-6227	32	30	income	income	NOUN
fbem-6227	32	31	ratio	ratio	NOUN
fbem-6227	33	1	[	[	X
fbem-6227	33	2	3].sheng	3].sheng	PROPN
fbem-6227	33	3	(	(	PUNCT
fbem-6227	33	4	2021	2021	NUM
fbem-6227	33	5	)	)	PUNCT
fbem-6227	33	6	showed	show	VERB
fbem-6227	33	7	that	that	SCONJ
fbem-6227	33	8	fintech	fintech	NOUN
fbem-6227	33	9	has	have	AUX
fbem-6227	33	10	changed	change	VERB
fbem-6227	33	11	the	the	DET
fbem-6227	33	12	way	way	NOUN
fbem-6227	33	13	banks	bank	NOUN
fbem-6227	33	14	overcome	overcome	VERB
fbem-6227	33	15	information	information	NOUN
fbem-6227	33	16	asymmetry	asymmetry	NOUN
fbem-6227	33	17	and	and	CCONJ
fbem-6227	33	18	helped	help	VERB
fbem-6227	33	19	them	they	PRON
fbem-6227	33	20	obtain	obtain	VERB
fbem-6227	33	21	more	more	ADJ
fbem-6227	33	22	information	information	NOUN
fbem-6227	33	23	[	[	X
fbem-6227	33	24	7].lapavitsas	7].lapavitsas	NUM
fbem-6227	33	25	and	and	CCONJ
fbem-6227	33	26	santos	santo	NOUN
fbem-6227	33	27	(	(	PUNCT
fbem-6227	33	28	2008	2008	NUM
fbem-6227	33	29	)	)	PUNCT
fbem-6227	33	30	analyzed	analyze	VERB
fbem-6227	33	31	the	the	DET
fbem-6227	33	32	positive	positive	ADJ
fbem-6227	33	33	effects	effect	NOUN
fbem-6227	33	34	of	of	ADP
fbem-6227	33	35	technological	technological	ADJ
fbem-6227	33	36	progress	progress	NOUN
fbem-6227	33	37	on	on	ADP
fbem-6227	33	38	bank	bank	NOUN
fbem-6227	33	39	operation	operation	NOUN
fbem-6227	33	40	from	from	ADP
fbem-6227	33	41	the	the	DET
fbem-6227	33	42	perspective	perspective	NOUN
fbem-6227	33	43	of	of	ADP
fbem-6227	33	44	risk	risk	NOUN
fbem-6227	33	45	,	,	PUNCT
fbem-6227	33	46	and	and	CCONJ
fbem-6227	33	47	believed	believe	VERB
fbem-6227	33	48	that	that	SCONJ
fbem-6227	33	49	the	the	DET
fbem-6227	33	50	development	development	NOUN
fbem-6227	33	51	of	of	ADP
fbem-6227	33	52	fintech	fintech	NOUN
fbem-6227	33	53	could	could	AUX
fbem-6227	33	54	enable	enable	VERB
fbem-6227	33	55	commercial	commercial	ADJ
fbem-6227	33	56	banks	bank	NOUN
fbem-6227	33	57	to	to	PART
fbem-6227	33	58	understand	understand	VERB
fbem-6227	33	59	their	their	PRON
fbem-6227	33	60	credit	credit	NOUN
fbem-6227	33	61	customers	customer	NOUN
fbem-6227	33	62	more	more	ADV
fbem-6227	33	63	comprehensively	comprehensively	ADV
fbem-6227	33	64	and	and	CCONJ
fbem-6227	33	65	reduce	reduce	VERB
fbem-6227	33	66	credit	credit	NOUN
fbem-6227	33	67	risks	risk	NOUN
fbem-6227	33	68	[	[	X
fbem-6227	33	69	8	8	NUM
fbem-6227	33	70	]	]	PUNCT
fbem-6227	33	71	.	.	PUNCT
fbem-6227	34	1	in	in	ADP
fbem-6227	34	2	terms	term	NOUN
fbem-6227	34	3	of	of	ADP
fbem-6227	34	4	negative	negative	ADJ
fbem-6227	34	5	impact	impact	NOUN
fbem-6227	34	6	,	,	PUNCT
fbem-6227	34	7	li	li	PROPN
fbem-6227	34	8	hongquan	hongquan	PROPN
fbem-6227	34	9	et	et	PROPN
fbem-6227	34	10	al	al	PROPN
fbem-6227	34	11	.	.	PROPN
fbem-6227	34	12	(	(	PUNCT
fbem-6227	34	13	2022	2022	NUM
fbem-6227	34	14	)	)	PUNCT
fbem-6227	34	15	pointed	point	VERB
fbem-6227	34	16	out	out	ADP
fbem-6227	34	17	that	that	SCONJ
fbem-6227	34	18	the	the	DET
fbem-6227	34	19	development	development	NOUN
fbem-6227	34	20	of	of	ADP
fbem-6227	34	21	fintech	fintech	NOUN
fbem-6227	34	22	raises	raise	VERB
fbem-6227	34	23	the	the	DET
fbem-6227	34	24	potential	potential	ADJ
fbem-6227	34	25	risk	risk	NOUN
fbem-6227	34	26	bearing	bear	VERB
fbem-6227	34	27	level	level	NOUN
fbem-6227	34	28	of	of	ADP
fbem-6227	34	29	commercial	commercial	ADJ
fbem-6227	34	30	banks	bank	NOUN
fbem-6227	34	31	on	on	ADP
fbem-6227	34	32	the	the	DET
fbem-6227	34	33	whole	whole	NOUN
fbem-6227	35	1	[	[	X
fbem-6227	35	2	9].yang	9].yang	NUM
fbem-6227	35	3	wang	wang	PROPN
fbem-6227	35	4	et	et	PROPN
fbem-6227	35	5	al	al	PROPN
fbem-6227	35	6	.	.	PROPN
fbem-6227	36	1	(	(	PUNCT
fbem-6227	36	2	2020	2020	NUM
fbem-6227	36	3	)	)	PUNCT
fbem-6227	36	4	pointed	point	VERB
fbem-6227	36	5	out	out	ADP
fbem-6227	36	6	that	that	SCONJ
fbem-6227	36	7	fintech	fintech	NOUN
fbem-6227	36	8	can	can	AUX
fbem-6227	36	9	improve	improve	VERB
fbem-6227	36	10	the	the	DET
fbem-6227	36	11	total	total	ADJ
fbem-6227	36	12	factor	factor	NOUN
fbem-6227	36	13	productivity	productivity	NOUN
fbem-6227	36	14	of	of	ADP
fbem-6227	36	15	banks	bank	NOUN
fbem-6227	36	16	,	,	PUNCT
fbem-6227	36	17	while	while	SCONJ
fbem-6227	36	18	intensifying	intensify	VERB
fbem-6227	36	19	competition	competition	NOUN
fbem-6227	36	20	and	and	CCONJ
fbem-6227	36	21	increasing	increase	VERB
fbem-6227	36	22	the	the	DET
fbem-6227	36	23	debt	debt	NOUN
fbem-6227	36	24	cost	cost	NOUN
fbem-6227	36	25	of	of	ADP
fbem-6227	36	26	banks	bank	NOUN
fbem-6227	36	27	[	[	X
fbem-6227	36	28	10].this	10].this	PROPN
fbem-6227	36	29	is	be	AUX
fbem-6227	36	30	mainly	mainly	ADV
fbem-6227	36	31	due	due	ADJ
fbem-6227	36	32	to	to	ADP
fbem-6227	36	33	the	the	DET
fbem-6227	36	34	increasing	increase	VERB
fbem-6227	36	35	dependence	dependence	NOUN
fbem-6227	36	36	on	on	ADP
fbem-6227	36	37	interbank	interbank	NOUN
fbem-6227	36	38	borrowing	borrowing	NOUN
fbem-6227	36	39	funds	fund	NOUN
fbem-6227	36	40	,	,	PUNCT
fbem-6227	36	41	and	and	CCONJ
fbem-6227	36	42	the	the	DET
fbem-6227	36	43	change	change	NOUN
fbem-6227	36	44	in	in	ADP
fbem-6227	36	45	the	the	DET
fbem-6227	36	46	structure	structure	NOUN
fbem-6227	36	47	of	of	ADP
fbem-6227	36	48	the	the	DET
fbem-6227	36	49	debt	debt	NOUN
fbem-6227	36	50	end	end	NOUN
fbem-6227	36	51	,	,	PUNCT
fbem-6227	36	52	which	which	PRON
fbem-6227	36	53	leads	lead	VERB
fbem-6227	36	54	to	to	ADP
fbem-6227	36	55	the	the	DET
fbem-6227	36	56	decline	decline	NOUN
fbem-6227	36	57	of	of	ADP
fbem-6227	36	58	the	the	DET
fbem-6227	36	59	bank	bank	NOUN
fbem-6227	36	60	's	's	PART
fbem-6227	36	61	net	net	ADJ
fbem-6227	36	62	interest	interest	NOUN
fbem-6227	36	63	margin	margin	NOUN
fbem-6227	37	1	[	[	X
fbem-6227	37	2	11	11	NUM
fbem-6227	37	3	]	]	PUNCT
fbem-6227	37	4	.	.	PUNCT
fbem-6227	38	1	3	3	X
fbem-6227	38	2	.	.	NOUN
fbem-6227	38	3	models	model	NOUN
fbem-6227	38	4	and	and	CCONJ
fbem-6227	38	5	variables	variable	NOUN
fbem-6227	38	6	3.1	3.1	NUM
fbem-6227	38	7	.	.	PUNCT
fbem-6227	38	8	sample	sample	NOUN
fbem-6227	38	9	selection	selection	NOUN
fbem-6227	38	10	and	and	CCONJ
fbem-6227	38	11	data	datum	NOUN
fbem-6227	38	12	sources	source	NOUN
fbem-6227	38	13	to	to	PART
fbem-6227	38	14	ensure	ensure	VERB
fbem-6227	38	15	the	the	DET
fbem-6227	38	16	credibility	credibility	NOUN
fbem-6227	38	17	of	of	ADP
fbem-6227	38	18	the	the	DET
fbem-6227	38	19	data	datum	NOUN
fbem-6227	38	20	,	,	PUNCT
fbem-6227	38	21	42	42	NUM
fbem-6227	38	22	a	a	DET
fbem-6227	38	23	-	-	PUNCT
fbem-6227	38	24	share	share	NOUN
fbem-6227	38	25	listed	list	VERB
fbem-6227	38	26	commercial	commercial	ADJ
fbem-6227	38	27	banks	bank	NOUN
fbem-6227	38	28	were	be	AUX
fbem-6227	38	29	selected	select	VERB
fbem-6227	38	30	as	as	ADP
fbem-6227	38	31	research	research	NOUN
fbem-6227	38	32	samples	sample	NOUN
fbem-6227	38	33	in	in	ADP
fbem-6227	38	34	this	this	DET
fbem-6227	38	35	paper	paper	NOUN
fbem-6227	38	36	,	,	PUNCT
fbem-6227	38	37	including	include	VERB
fbem-6227	38	38	6	6	NUM
fbem-6227	38	39	large	large	ADJ
fbem-6227	38	40	state	state	NOUN
fbem-6227	38	41	-	-	PUNCT
fbem-6227	38	42	owned	own	VERB
fbem-6227	38	43	commercial	commercial	ADJ
fbem-6227	38	44	banks	bank	NOUN
fbem-6227	38	45	,	,	PUNCT
fbem-6227	38	46	9	9	NUM
fbem-6227	38	47	joint	joint	ADJ
fbem-6227	38	48	-	-	PUNCT
fbem-6227	38	49	stock	stock	NOUN
fbem-6227	38	50	banks	bank	NOUN
fbem-6227	38	51	,	,	PUNCT
fbem-6227	38	52	17	17	NUM
fbem-6227	38	53	city	city	NOUN
fbem-6227	38	54	commercial	commercial	ADJ
fbem-6227	38	55	banks	bank	NOUN
fbem-6227	38	56	and	and	CCONJ
fbem-6227	38	57	10	10	NUM
fbem-6227	38	58	rural	rural	ADJ
fbem-6227	38	59	commercial	commercial	ADJ
fbem-6227	38	60	banks	bank	NOUN
fbem-6227	38	61	,	,	PUNCT
fbem-6227	38	62	covering	cover	VERB
fbem-6227	38	63	a	a	DET
fbem-6227	38	64	comprehensive	comprehensive	ADJ
fbem-6227	38	65	range	range	NOUN
fbem-6227	38	66	of	of	ADP
fbem-6227	38	67	types.the	types.the	DET
fbem-6227	38	68	sample	sample	NOUN
fbem-6227	38	69	period	period	NOUN
fbem-6227	38	70	is	be	AUX
fbem-6227	38	71	2010-2021.the	2010-2021.the	DET
fbem-6227	38	72	bank	bank	PROPN
fbem-6227	38	73	financial	financial	ADJ
fbem-6227	38	74	data	datum	NOUN
fbem-6227	38	75	used	use	VERB
fbem-6227	38	76	in	in	ADP
fbem-6227	38	77	this	this	DET
fbem-6227	38	78	paper	paper	NOUN
fbem-6227	38	79	was	be	AUX
fbem-6227	38	80	mainly	mainly	ADV
fbem-6227	38	81	obtained	obtain	VERB
fbem-6227	38	82	from	from	ADP
fbem-6227	38	83	the	the	DET
fbem-6227	38	84	annual	annual	ADJ
fbem-6227	38	85	reports	report	NOUN
fbem-6227	38	86	of	of	ADP
fbem-6227	38	87	the	the	DET
fbem-6227	38	88	banks	bank	NOUN
fbem-6227	38	89	and	and	CCONJ
fbem-6227	38	90	partly	partly	ADV
fbem-6227	38	91	from	from	ADP
fbem-6227	38	92	the	the	DET
fbem-6227	38	93	cnrds	cnrd	NOUN
fbem-6227	38	94	database.the	database.the	DET
fbem-6227	38	95	original	original	ADJ
fbem-6227	38	96	data	datum	NOUN
fbem-6227	38	97	were	be	AUX
fbem-6227	38	98	processed	process	VERB
fbem-6227	38	99	in	in	ADP
fbem-6227	38	100	the	the	DET
fbem-6227	38	101	following	following	ADJ
fbem-6227	38	102	ways	way	NOUN
fbem-6227	38	103	:	:	PUNCT
fbem-6227	38	104	(	(	PUNCT
fbem-6227	38	105	1	1	X
fbem-6227	38	106	)	)	PUNCT
fbem-6227	38	107	the	the	DET
fbem-6227	38	108	observed	observed	ADJ
fbem-6227	38	109	values	value	NOUN
fbem-6227	38	110	missing	miss	VERB
fbem-6227	38	111	in	in	ADP
fbem-6227	38	112	the	the	DET
fbem-6227	38	113	data	datum	NOUN
fbem-6227	38	114	of	of	ADP
fbem-6227	38	115	the	the	DET
fbem-6227	38	116	main	main	ADJ
fbem-6227	38	117	variables	variable	NOUN
fbem-6227	38	118	were	be	AUX
fbem-6227	38	119	deleted;(2	deleted;(2	PROPN
fbem-6227	38	120	)	)	PUNCT
fbem-6227	38	121	bank	bank	NOUN
fbem-6227	38	122	samples	sample	NOUN
fbem-6227	38	123	with	with	ADP
fbem-6227	38	124	observed	observed	ADJ
fbem-6227	38	125	values	value	NOUN
fbem-6227	38	126	less	less	ADJ
fbem-6227	38	127	than	than	ADP
fbem-6227	38	128	4	4	NUM
fbem-6227	38	129	years	year	NOUN
fbem-6227	38	130	in	in	ADP
fbem-6227	38	131	the	the	DET
fbem-6227	38	132	sample	sample	NOUN
fbem-6227	38	133	period	period	NOUN
fbem-6227	38	134	were	be	AUX
fbem-6227	38	135	deleted;(3	deleted;(3	PROPN
fbem-6227	38	136	)	)	PUNCT
fbem-6227	38	137	double	double	ADJ
fbem-6227	38	138	-	-	PUNCT
fbem-6227	38	139	tailed	tail	VERB
fbem-6227	38	140	1	1	NUM
fbem-6227	38	141	%	%	NOUN
fbem-6227	38	142	winsor	winsor	PROPN
fbem-6227	38	143	was	be	AUX
fbem-6227	38	144	applied	apply	VERB
fbem-6227	38	145	to	to	ADP
fbem-6227	38	146	continuous	continuous	ADJ
fbem-6227	38	147	variables	variable	NOUN
fbem-6227	38	148	at	at	ADP
fbem-6227	38	149	the	the	DET
fbem-6227	38	150	bank	bank	NOUN
fbem-6227	38	151	level	level	NOUN
fbem-6227	38	152	with	with	ADP
fbem-6227	38	153	the	the	DET
fbem-6227	38	154	main	main	ADJ
fbem-6227	38	155	purpose	purpose	NOUN
fbem-6227	38	156	of	of	ADP
fbem-6227	38	157	eliminating	eliminate	VERB
fbem-6227	38	158	the	the	DET
fbem-6227	38	159	interference	interference	NOUN
fbem-6227	38	160	of	of	ADP
fbem-6227	38	161	outliers	outlier	NOUN
fbem-6227	38	162	on	on	ADP
fbem-6227	38	163	the	the	DET
fbem-6227	38	164	results	result	NOUN
fbem-6227	38	165	of	of	ADP
fbem-6227	38	166	this	this	PRON
fbem-6227	38	167	paper.finally	paper.finally	ADV
fbem-6227	38	168	,	,	PUNCT
fbem-6227	38	169	the	the	DET
fbem-6227	38	170	unbalanced	unbalanced	ADJ
fbem-6227	38	171	panel	panel	NOUN
fbem-6227	38	172	data	datum	NOUN
fbem-6227	38	173	of	of	ADP
fbem-6227	38	174	37	37	NUM
fbem-6227	38	175	banks	bank	NOUN
fbem-6227	38	176	,	,	PUNCT
fbem-6227	38	177	including	include	VERB
fbem-6227	38	178	5	5	NUM
fbem-6227	38	179	state	state	NOUN
fbem-6227	38	180	-	-	PUNCT
fbem-6227	38	181	owned	own	VERB
fbem-6227	38	182	large	large	ADJ
fbem-6227	38	183	commercial	commercial	ADJ
fbem-6227	38	184	banks	bank	NOUN
fbem-6227	38	185	,	,	PUNCT
fbem-6227	38	186	8	8	NUM
fbem-6227	38	187	joint	joint	ADJ
fbem-6227	38	188	-	-	PUNCT
fbem-6227	38	189	stock	stock	NOUN
fbem-6227	38	190	banks	bank	NOUN
fbem-6227	38	191	,	,	PUNCT
fbem-6227	38	192	15	15	NUM
fbem-6227	38	193	city	city	NOUN
fbem-6227	38	194	commercial	commercial	ADJ
fbem-6227	38	195	banks	bank	NOUN
fbem-6227	38	196	,	,	PUNCT
fbem-6227	38	197	and	and	CCONJ
fbem-6227	38	198	9	9	NUM
fbem-6227	38	199	rural	rural	ADJ
fbem-6227	38	200	commercial	commercial	ADJ
fbem-6227	38	201	banks	bank	NOUN
fbem-6227	38	202	,	,	PUNCT
fbem-6227	38	203	are	be	AUX
fbem-6227	38	204	obtained	obtain	VERB
fbem-6227	38	205	.	.	PUNCT
fbem-6227	39	1	3.2	3.2	NUM
fbem-6227	39	2	.	.	PUNCT
fbem-6227	40	1	variable	variable	ADJ
fbem-6227	40	2	selection	selection	NOUN
fbem-6227	40	3	this	this	DET
fbem-6227	40	4	paper	paper	NOUN
fbem-6227	40	5	involves	involve	VERB
fbem-6227	40	6	three	three	NUM
fbem-6227	40	7	kinds	kind	NOUN
fbem-6227	40	8	of	of	ADP
fbem-6227	40	9	variables	variable	NOUN
fbem-6227	40	10	:	:	PUNCT
fbem-6227	40	11	first	first	ADV
fbem-6227	40	12	,	,	PUNCT
fbem-6227	40	13	bank	bank	NOUN
fbem-6227	40	14	risk	risk	NOUN
fbem-6227	40	15	and	and	CCONJ
fbem-6227	40	16	management	management	NOUN
fbem-6227	40	17	index	index	NOUN
fbem-6227	40	18	;	;	PUNCT
fbem-6227	40	19	second	second	ADJ
fbem-6227	40	20	,	,	PUNCT
fbem-6227	40	21	bank	bank	NOUN
fbem-6227	40	22	fintech	fintech	NOUN
fbem-6227	40	23	development	development	NOUN
fbem-6227	40	24	indicators	indicator	NOUN
fbem-6227	40	25	;	;	PUNCT
fbem-6227	40	26	third	third	ADV
fbem-6227	40	27	,	,	PUNCT
fbem-6227	40	28	control	control	VERB
fbem-6227	40	29	variables.the	variables.the	DET
fbem-6227	40	30	definition	definition	NOUN
fbem-6227	40	31	of	of	ADP
fbem-6227	40	32	variables	variable	NOUN
fbem-6227	40	33	is	be	AUX
fbem-6227	40	34	given	give	VERB
fbem-6227	40	35	below	below	ADV
fbem-6227	40	36	.	.	PUNCT
fbem-6227	41	1	3.2.1	3.2.1	NUM
fbem-6227	41	2	.	.	NUM
fbem-6227	41	3	explained	explain	VERB
fbem-6227	41	4	variables	variable	NOUN
fbem-6227	41	5	the	the	DET
fbem-6227	41	6	explained	explain	VERB
fbem-6227	41	7	variables	variable	NOUN
fbem-6227	41	8	involved	involve	VERB
fbem-6227	41	9	in	in	ADP
fbem-6227	41	10	this	this	DET
fbem-6227	41	11	paper	paper	NOUN
fbem-6227	41	12	mainly	mainly	ADV
fbem-6227	41	13	involve	involve	VERB
fbem-6227	41	14	two	two	NUM
fbem-6227	41	15	aspects	aspect	NOUN
fbem-6227	41	16	:	:	PUNCT
fbem-6227	41	17	one	one	NUM
fbem-6227	41	18	is	be	AUX
fbem-6227	41	19	the	the	DET
fbem-6227	41	20	level	level	NOUN
fbem-6227	41	21	of	of	ADP
fbem-6227	41	22	bank	bank	NOUN
fbem-6227	41	23	risk	risk	NOUN
fbem-6227	41	24	control	control	NOUN
fbem-6227	41	25	,	,	PUNCT
fbem-6227	41	26	the	the	DET
fbem-6227	41	27	other	other	ADJ
fbem-6227	41	28	is	be	AUX
fbem-6227	41	29	the	the	DET
fbem-6227	41	30	level	level	NOUN
fbem-6227	41	31	of	of	ADP
fbem-6227	41	32	bank	bank	NOUN
fbem-6227	41	33	profitability	profitability	NOUN
fbem-6227	41	34	.	.	PUNCT
fbem-6227	42	1	bank	bank	NOUN
fbem-6227	42	2	risk	risk	NOUN
fbem-6227	42	3	control	control	NOUN
fbem-6227	42	4	level	level	NOUN
fbem-6227	42	5	:	:	PUNCT
fbem-6227	42	6	this	this	DET
fbem-6227	42	7	paper	paper	NOUN
fbem-6227	42	8	first	first	ADV
fbem-6227	42	9	uses	use	VERB
fbem-6227	42	10	nonperforming	nonperforme	VERB
fbem-6227	42	11	loan	loan	NOUN
fbem-6227	42	12	ratio	ratio	NOUN
fbem-6227	42	13	(	(	PUNCT
fbem-6227	42	14	npl	npl	PROPN
fbem-6227	42	15	)	)	PUNCT
fbem-6227	42	16	as	as	ADP
fbem-6227	42	17	a	a	DET
fbem-6227	42	18	proxy	proxy	NOUN
fbem-6227	42	19	variable	variable	NOUN
fbem-6227	42	20	to	to	PART
fbem-6227	42	21	measure	measure	VERB
fbem-6227	42	22	the	the	DET
fbem-6227	42	23	bank	bank	NOUN
fbem-6227	42	24	's	's	PART
fbem-6227	42	25	risk	risk	NOUN
fbem-6227	42	26	control	control	NOUN
fbem-6227	42	27	level	level	NOUN
fbem-6227	42	28	and	and	CCONJ
fbem-6227	42	29	then	then	ADV
fbem-6227	42	30	uses	use	VERB
fbem-6227	42	31	risk	risk	NOUN
fbem-6227	42	32	-	-	PUNCT
fbem-6227	42	33	weighted	weight	VERB
fbem-6227	42	34	return	return	NOUN
fbem-6227	42	35	on	on	ADP
fbem-6227	42	36	assets	asset	NOUN
fbem-6227	42	37	(	(	PUNCT
fbem-6227	42	38	rorwa	rorwa	PROPN
fbem-6227	42	39	)	)	PUNCT
fbem-6227	42	40	as	as	ADP
fbem-6227	42	41	a	a	DET
fbem-6227	42	42	proxy	proxy	NOUN
fbem-6227	42	43	for	for	ADP
fbem-6227	42	44	the	the	DET
fbem-6227	42	45	bank	bank	NOUN
fbem-6227	42	46	's	's	PART
fbem-6227	42	47	risk	risk	NOUN
fbem-6227	42	48	control	control	NOUN
fbem-6227	42	49	level.risk	level.risk	ADV
fbem-6227	42	50	-	-	PUNCT
fbem-6227	42	51	weighted	weight	VERB
fbem-6227	42	52	return	return	NOUN
fbem-6227	42	53	on	on	ADP
fbem-6227	42	54	assets	asset	NOUN
fbem-6227	42	55	refers	refer	VERB
fbem-6227	42	56	to	to	ADP
fbem-6227	42	57	the	the	DET
fbem-6227	42	58	classification	classification	NOUN
fbem-6227	42	59	of	of	ADP
fbem-6227	42	60	assets	asset	NOUN
fbem-6227	42	61	by	by	ADP
fbem-6227	42	62	banks	bank	NOUN
fbem-6227	42	63	and	and	CCONJ
fbem-6227	42	64	the	the	DET
fbem-6227	42	65	determination	determination	NOUN
fbem-6227	42	66	of	of	ADP
fbem-6227	42	67	different	different	ADJ
fbem-6227	42	68	risk	risk	NOUN
fbem-6227	42	69	coefficients	coefficient	NOUN
fbem-6227	42	70	according	accord	VERB
fbem-6227	42	71	to	to	ADP
fbem-6227	42	72	the	the	DET
fbem-6227	42	73	risk	risk	NOUN
fbem-6227	42	74	nature	nature	NOUN
fbem-6227	42	75	of	of	ADP
fbem-6227	42	76	different	different	ADJ
fbem-6227	42	77	asset	asset	NOUN
fbem-6227	42	78	classes	class	NOUN
fbem-6227	42	79	,	,	PUNCT
fbem-6227	42	80	which	which	PRON
fbem-6227	42	81	includes	include	VERB
fbem-6227	42	82	more	more	ADJ
fbem-6227	42	83	types	type	NOUN
fbem-6227	42	84	of	of	ADP
fbem-6227	42	85	assets	asset	NOUN
fbem-6227	42	86	and	and	CCONJ
fbem-6227	42	87	reflects	reflect	VERB
fbem-6227	42	88	more	more	ADJ
fbem-6227	42	89	types	type	NOUN
fbem-6227	42	90	of	of	ADP
fbem-6227	42	91	risks.in	risks.in	X
fbem-6227	42	92	the	the	DET
fbem-6227	42	93	following	follow	VERB
fbem-6227	42	94	paper	paper	NOUN
fbem-6227	42	95	,	,	PUNCT
fbem-6227	42	96	the	the	DET
fbem-6227	42	97	amount	amount	NOUN
fbem-6227	42	98	of	of	ADP
fbem-6227	42	99	non	non	ADJ
fbem-6227	42	100	-	-	ADJ
fbem-6227	42	101	performing	performing	ADJ
fbem-6227	42	102	loans	loan	NOUN
fbem-6227	42	103	/	/	SYM
fbem-6227	42	104	risk	risk	NOUN
fbem-6227	42	105	-	-	PUNCT
fbem-6227	42	106	weighted	weight	VERB
fbem-6227	42	107	assets	asset	NOUN
fbem-6227	42	108	(	(	PUNCT
fbem-6227	42	109	renpl	renpl	NOUN
fbem-6227	42	110	)	)	PUNCT
fbem-6227	42	111	will	will	AUX
fbem-6227	42	112	be	be	AUX
fbem-6227	42	113	used	use	VERB
fbem-6227	42	114	as	as	ADP
fbem-6227	42	115	a	a	DET
fbem-6227	42	116	substitute	substitute	ADJ
fbem-6227	42	117	variable	variable	NOUN
fbem-6227	42	118	for	for	ADP
fbem-6227	42	119	the	the	DET
fbem-6227	42	120	robustness	robustness	NOUN
fbem-6227	42	121	test	test	NOUN
fbem-6227	42	122	.	.	PUNCT
fbem-6227	43	1	bank	bank	NOUN
fbem-6227	43	2	profitability	profitability	NOUN
fbem-6227	43	3	:	:	PUNCT
fbem-6227	43	4	net	net	ADJ
fbem-6227	43	5	interest	interest	NOUN
fbem-6227	43	6	margin	margin	NOUN
fbem-6227	43	7	is	be	AUX
fbem-6227	43	8	an	an	DET
fbem-6227	43	9	important	important	ADJ
fbem-6227	43	10	indicator	indicator	NOUN
fbem-6227	43	11	to	to	PART
fbem-6227	43	12	evaluate	evaluate	VERB
fbem-6227	43	13	a	a	DET
fbem-6227	43	14	bank	bank	NOUN
fbem-6227	43	15	's	's	PART
fbem-6227	43	16	profitability	profitability	NOUN
fbem-6227	43	17	.	.	PUNCT
fbem-6227	44	1	the	the	PRON
fbem-6227	44	2	higher	high	ADJ
fbem-6227	44	3	the	the	DET
fbem-6227	44	4	net	net	ADJ
fbem-6227	44	5	interest	interest	NOUN
fbem-6227	44	6	margin	margin	NOUN
fbem-6227	44	7	,	,	PUNCT
fbem-6227	44	8	the	the	PRON
fbem-6227	44	9	stronger	strong	ADJ
fbem-6227	44	10	its	its	PRON
fbem-6227	44	11	profitability	profitability	NOUN
fbem-6227	44	12	,	,	PUNCT
fbem-6227	44	13	which	which	PRON
fbem-6227	44	14	is	be	AUX
fbem-6227	44	15	mainly	mainly	ADV
fbem-6227	44	16	affected	affect	VERB
fbem-6227	44	17	by	by	ADP
fbem-6227	44	18	net	net	ADJ
fbem-6227	44	19	interest	interest	NOUN
fbem-6227	44	20	income	income	NOUN
fbem-6227	44	21	and	and	CCONJ
fbem-6227	44	22	interest	interest	NOUN
fbem-6227	44	23	-	-	PUNCT
fbem-6227	44	24	bearing	bear	VERB
fbem-6227	44	25	assets	asset	NOUN
fbem-6227	44	26	.	.	PUNCT
fbem-6227	45	1	in	in	ADP
fbem-6227	45	2	the	the	DET
fbem-6227	45	3	revenue	revenue	NOUN
fbem-6227	45	4	of	of	ADP
fbem-6227	45	5	chinese	chinese	ADJ
fbem-6227	45	6	banking	banking	NOUN
fbem-6227	45	7	industry	industry	NOUN
fbem-6227	45	8	,	,	PUNCT
fbem-6227	45	9	net	net	ADJ
fbem-6227	45	10	interest	interest	NOUN
fbem-6227	45	11	income	income	NOUN
fbem-6227	45	12	occupies	occupy	VERB
fbem-6227	45	13	an	an	DET
fbem-6227	45	14	absolutely	absolutely	ADV
fbem-6227	45	15	dominant	dominant	ADJ
fbem-6227	45	16	position	position	NOUN
fbem-6227	45	17	,	,	PUNCT
fbem-6227	45	18	and	and	CCONJ
fbem-6227	45	19	basically	basically	ADV
fbem-6227	45	20	,	,	PUNCT
fbem-6227	45	21	the	the	DET
fbem-6227	45	22	ratio	ratio	NOUN
fbem-6227	45	23	of	of	ADP
fbem-6227	45	24	net	net	ADJ
fbem-6227	45	25	interest	interest	NOUN
fbem-6227	45	26	income	income	NOUN
fbem-6227	45	27	to	to	ADP
fbem-6227	45	28	the	the	DET
fbem-6227	45	29	total	total	ADJ
fbem-6227	45	30	operating	operate	VERB
fbem-6227	45	31	income	income	NOUN
fbem-6227	45	32	is	be	AUX
fbem-6227	45	33	as	as	ADV
fbem-6227	45	34	high	high	ADJ
fbem-6227	45	35	as	as	ADP
fbem-6227	45	36	60%-80	60%-80	NUM
fbem-6227	45	37	%	%	NOUN
fbem-6227	45	38	.	.	PUNCT
fbem-6227	46	1	therefore	therefore	ADV
fbem-6227	46	2	,	,	PUNCT
fbem-6227	46	3	net	net	ADJ
fbem-6227	46	4	interest	interest	NOUN
fbem-6227	46	5	margin	margin	NOUN
fbem-6227	46	6	is	be	AUX
fbem-6227	46	7	the	the	DET
fbem-6227	46	8	index	index	NOUN
fbem-6227	46	9	used	use	VERB
fbem-6227	46	10	in	in	ADP
fbem-6227	46	11	this	this	DET
fbem-6227	46	12	paper	paper	NOUN
fbem-6227	46	13	to	to	PART
fbem-6227	46	14	investigate	investigate	VERB
fbem-6227	46	15	bank	bank	NOUN
fbem-6227	46	16	profitability	profitability	NOUN
fbem-6227	46	17	.	.	PUNCT
fbem-6227	47	1	3.2.2	3.2.2	NUM
fbem-6227	47	2	.	.	PUNCT
fbem-6227	48	1	core	core	PROPN
fbem-6227	48	2	explanatory	explanatory	ADJ
fbem-6227	48	3	variables	variable	NOUN
fbem-6227	48	4	bank	bank	PROPN
fbem-6227	48	5	fintech	fintech	PROPN
fbem-6227	48	6	development	development	NOUN
fbem-6227	48	7	index	index	NOUN
fbem-6227	48	8	:	:	PUNCT
fbem-6227	48	9	the	the	DET
fbem-6227	48	10	financial	financial	PROPN
fbem-6227	48	11	technology	technology	PROPN
fbem-6227	48	12	development	development	NOUN
fbem-6227	48	13	index	index	NOUN
fbem-6227	48	14	(	(	PUNCT
fbem-6227	48	15	fintech	fintech	NOUN
fbem-6227	48	16	)	)	PUNCT
fbem-6227	48	17	is	be	AUX
fbem-6227	48	18	constructed	construct	VERB
fbem-6227	48	19	by	by	ADP
fbem-6227	48	20	textual	textual	ADJ
fbem-6227	48	21	analysis	analysis	NOUN
fbem-6227	48	22	of	of	ADP
fbem-6227	48	23	bank	bank	NOUN
fbem-6227	48	24	annual	annual	ADJ
fbem-6227	48	25	reports	report	NOUN
fbem-6227	48	26	.	.	PUNCT
fbem-6227	49	1	the	the	DET
fbem-6227	49	2	detailed	detailed	ADJ
fbem-6227	49	3	steps	step	NOUN
fbem-6227	49	4	are	be	AUX
fbem-6227	49	5	as	as	SCONJ
fbem-6227	49	6	follows	follow	VERB
fbem-6227	49	7	:	:	PUNCT
fbem-6227	49	8	firstly	firstly	ADV
fbem-6227	49	9	,	,	PUNCT
fbem-6227	49	10	build	build	VERB
fbem-6227	49	11	the	the	DET
fbem-6227	49	12	original	original	ADJ
fbem-6227	49	13	keyword	keyword	NOUN
fbem-6227	49	14	database	database	NOUN
fbem-6227	49	15	of	of	ADP
fbem-6227	49	16	fintech.by	fintech.by	PROPN
fbem-6227	49	17	referring	refer	VERB
fbem-6227	49	18	to	to	ADP
fbem-6227	49	19	relevant	relevant	ADJ
fbem-6227	49	20	reports	report	NOUN
fbem-6227	49	21	of	of	ADP
fbem-6227	49	22	basel	basel	PROPN
fbem-6227	49	23	committee	committee	PROPN
fbem-6227	49	24	and	and	CCONJ
fbem-6227	49	25	the	the	DET
fbem-6227	49	26	development	development	NOUN
fbem-6227	49	27	process	process	NOUN
fbem-6227	49	28	of	of	ADP
fbem-6227	49	29	fintech	fintech	NOUN
fbem-6227	49	30	,	,	PUNCT
fbem-6227	49	31	fintech	fintech	NOUN
fbem-6227	49	32	can	can	AUX
fbem-6227	49	33	be	be	AUX
fbem-6227	49	34	summarized	summarize	VERB
fbem-6227	49	35	into	into	ADP
fbem-6227	49	36	five	five	NUM
fbem-6227	49	37	categories	category	NOUN
fbem-6227	49	38	:	:	PUNCT
fbem-6227	49	39	payment	payment	NOUN
fbem-6227	49	40	and	and	CCONJ
fbem-6227	49	41	settlement	settlement	NOUN
fbem-6227	49	42	,	,	PUNCT
fbem-6227	49	43	business	business	NOUN
fbem-6227	49	44	channels	channel	NOUN
fbem-6227	49	45	,	,	PUNCT
fbem-6227	49	46	resource	resource	NOUN
fbem-6227	49	47	allocation	allocation	NOUN
fbem-6227	49	48	,	,	PUNCT
fbem-6227	49	49	risk	risk	NOUN
fbem-6227	49	50	management	management	NOUN
fbem-6227	49	51	and	and	CCONJ
fbem-6227	49	52	technology	technology	NOUN
fbem-6227	49	53	basis	basis	NOUN
fbem-6227	49	54	.	.	PUNCT
fbem-6227	50	1	based	base	VERB
fbem-6227	50	2	on	on	ADP
fbem-6227	50	3	the	the	DET
fbem-6227	50	4	above	above	ADJ
fbem-6227	50	5	classification	classification	NOUN
fbem-6227	50	6	methods	method	NOUN
fbem-6227	50	7	,	,	PUNCT
fbem-6227	50	8	268	268	NUM
fbem-6227	50	9	further	far	ADV
fbem-6227	50	10	read	read	VERB
fbem-6227	50	11	the	the	DET
fbem-6227	50	12	"	"	PUNCT
fbem-6227	50	13	financial	financial	ADJ
fbem-6227	50	14	technology	technology	NOUN
fbem-6227	50	15	(	(	PUNCT
fbem-6227	50	16	fintech	fintech	NOUN
fbem-6227	50	17	)	)	PUNCT
fbem-6227	50	18	development	development	NOUN
fbem-6227	50	19	plan	plan	NOUN
fbem-6227	50	20	(	(	PUNCT
fbem-6227	50	21	2019	2019	NUM
fbem-6227	50	22	-	-	SYM
fbem-6227	50	23	2021	2021	NUM
fbem-6227	50	24	)	)	PUNCT
fbem-6227	50	25	"	"	PUNCT
fbem-6227	50	26	and	and	CCONJ
fbem-6227	50	27	other	other	ADJ
fbem-6227	50	28	materials	material	NOUN
fbem-6227	50	29	as	as	ADV
fbem-6227	50	30	well	well	ADV
fbem-6227	50	31	as	as	ADP
fbem-6227	50	32	some	some	DET
fbem-6227	50	33	bank	bank	NOUN
fbem-6227	50	34	annual	annual	ADJ
fbem-6227	50	35	reports.finally	reports.finally	ADV
fbem-6227	50	36	,	,	PUNCT
fbem-6227	50	37	after	after	ADP
fbem-6227	50	38	referring	refer	VERB
fbem-6227	50	39	to	to	ADP
fbem-6227	50	40	zhao	zhao	PROPN
fbem-6227	50	41	qingbo	qingbo	PROPN
fbem-6227	50	42	et	et	PROPN
fbem-6227	50	43	al	al	PROPN
fbem-6227	50	44	.	.	PROPN
fbem-6227	51	1	(	(	PUNCT
fbem-6227	51	2	2022	2022	NUM
fbem-6227	51	3	)	)	PUNCT
fbem-6227	52	1	[	[	X
fbem-6227	52	2	3	3	X
fbem-6227	52	3	]	]	PUNCT
fbem-6227	52	4	and	and	CCONJ
fbem-6227	52	5	li	li	PROPN
fbem-6227	52	6	hongquan	hongquan	PROPN
fbem-6227	52	7	et	et	PROPN
fbem-6227	52	8	al	al	PROPN
fbem-6227	52	9	.	.	PROPN
fbem-6227	52	10	(	(	PUNCT
fbem-6227	52	11	2022	2022	NUM
fbem-6227	52	12	)	)	PUNCT
fbem-6227	53	1	[	[	X
fbem-6227	53	2	9	9	NUM
fbem-6227	53	3	]	]	PUNCT
fbem-6227	53	4	,	,	PUNCT
fbem-6227	53	5	the	the	DET
fbem-6227	53	6	fintech	fintech	NOUN
fbem-6227	53	7	keyword	keyword	NOUN
fbem-6227	53	8	database	database	NOUN
fbem-6227	53	9	was	be	AUX
fbem-6227	53	10	finally	finally	ADV
fbem-6227	53	11	improved	improve	VERB
fbem-6227	53	12	,	,	PUNCT
fbem-6227	53	13	and	and	CCONJ
fbem-6227	53	14	the	the	DET
fbem-6227	53	15	results	result	NOUN
fbem-6227	53	16	are	be	AUX
fbem-6227	53	17	shown	show	VERB
fbem-6227	53	18	in	in	ADP
fbem-6227	53	19	table	table	NOUN
fbem-6227	53	20	1	1	NUM
fbem-6227	53	21	table	table	NOUN
fbem-6227	53	22	1	1	NUM
fbem-6227	53	23	.	.	PUNCT
fbem-6227	53	24	fintech	fintech	NOUN
fbem-6227	53	25	keyword	keyword	NOUN
fbem-6227	53	26	database	database	NOUN
fbem-6227	53	27	of	of	ADP
fbem-6227	53	28	banks	bank	NOUN
fbem-6227	53	29	application	application	NOUN
fbem-6227	53	30	scenario	scenario	NOUN
fbem-6227	53	31	technology	technology	NOUN
fbem-6227	53	32	payment	payment	NOUN
fbem-6227	53	33	and	and	CCONJ
fbem-6227	53	34	settlement	settlement	NOUN
fbem-6227	53	35	business	business	NOUN
fbem-6227	53	36	channel	channel	NOUN
fbem-6227	53	37	resource	resource	NOUN
fbem-6227	53	38	allocation	allocation	NOUN
fbem-6227	53	39	risk	risk	NOUN
fbem-6227	53	40	management	management	NOUN
fbem-6227	53	41	underlying	underlie	VERB
fbem-6227	53	42	technology	technology	NOUN
fbem-6227	53	43	online	online	ADJ
fbem-6227	53	44	payment	payment	NOUN
fbem-6227	53	45	e	e	NOUN
fbem-6227	53	46	-	-	NOUN
fbem-6227	53	47	banking	bank	VERB
fbem-6227	53	48	online	online	ADJ
fbem-6227	53	49	banking	banking	NOUN
fbem-6227	53	50	big	big	ADJ
fbem-6227	53	51	data	datum	NOUN
fbem-6227	53	52	risk	risk	NOUN
fbem-6227	53	53	control	control	VERB
fbem-6227	53	54	big	big	ADJ
fbem-6227	53	55	data	datum	NOUN
fbem-6227	53	56	fintech	fintech	NOUN
fbem-6227	53	57	mobile	mobile	ADJ
fbem-6227	53	58	payment	payment	NOUN
fbem-6227	53	59	electronic	electronic	ADJ
fbem-6227	53	60	banking	banking	NOUN
fbem-6227	53	61	electronic	electronic	ADJ
fbem-6227	53	62	transaction	transaction	NOUN
fbem-6227	53	63	intelligent	intelligent	ADJ
fbem-6227	53	64	risk	risk	NOUN
fbem-6227	53	65	control	control	NOUN
fbem-6227	53	66	cloud	cloud	NOUN
fbem-6227	53	67	computing	computing	NOUN
fbem-6227	53	68	fintech	fintech	NOUN
fbem-6227	53	69	online	online	ADJ
fbem-6227	53	70	payment	payment	NOUN
fbem-6227	53	71	fortune	fortune	NOUN
fbem-6227	53	72	bank	bank	PROPN
fbem-6227	53	73	intelligent	intelligent	ADJ
fbem-6227	53	74	investment	investment	NOUN
fbem-6227	53	75	manager	manager	NOUN
fbem-6227	53	76	quantitative	quantitative	ADJ
fbem-6227	53	77	risk	risk	NOUN
fbem-6227	53	78	control	control	VERB
fbem-6227	53	79	artificial	artificial	ADJ
fbem-6227	53	80	intelligence	intelligence	NOUN
fbem-6227	53	81	fintech	fintech	NOUN
fbem-6227	53	82	computer	computer	NOUN
fbem-6227	53	83	payment	payment	NOUN
fbem-6227	53	84	mobile	mobile	ADJ
fbem-6227	53	85	banking	banking	NOUN
fbem-6227	53	86	network	network	NOUN
fbem-6227	53	87	communication	communication	NOUN
fbem-6227	53	88	intelligent	intelligent	ADJ
fbem-6227	53	89	risk	risk	NOUN
fbem-6227	53	90	control	control	NOUN
fbem-6227	53	91	blockchain	blockchain	PROPN
fbem-6227	53	92	two	two	NUM
fbem-6227	53	93	-	-	PUNCT
fbem-6227	53	94	dimensional	dimensional	ADJ
fbem-6227	53	95	barcode	barcode	NOUN
fbem-6227	53	96	payment	payment	NOUN
fbem-6227	53	97	online	online	ADJ
fbem-6227	53	98	banking	bank	VERB
fbem-6227	53	99	net	net	ADJ
fbem-6227	53	100	loan	loan	NOUN
fbem-6227	53	101	digital	digital	ADJ
fbem-6227	53	102	risk	risk	NOUN
fbem-6227	53	103	control	control	NOUN
fbem-6227	53	104	internet	internet	NOUN
fbem-6227	53	105	of	of	ADP
fbem-6227	53	106	things	thing	NOUN
fbem-6227	53	107	network	network	NOUN
fbem-6227	53	108	payment	payment	NOUN
fbem-6227	53	109	light	light	PROPN
fbem-6227	53	110	bank	bank	PROPN
fbem-6227	53	111	online	online	ADJ
fbem-6227	53	112	transaction	transaction	NOUN
fbem-6227	53	113	risk	risk	NOUN
fbem-6227	53	114	control	control	NOUN
fbem-6227	53	115	system	system	NOUN
fbem-6227	53	116	internet	internet	NOUN
fbem-6227	53	117	mobile	mobile	ADJ
fbem-6227	53	118	payment	payment	NOUN
fbem-6227	53	119	investment	investment	NOUN
fbem-6227	53	120	bank	bank	PROPN
fbem-6227	53	121	online	online	ADJ
fbem-6227	53	122	financing	financing	NOUN
fbem-6227	53	123	risk	risk	NOUN
fbem-6227	53	124	control	control	NOUN
fbem-6227	53	125	intelligence	intelligence	NOUN
fbem-6227	53	126	electronic	electronic	ADJ
fbem-6227	53	127	payment	payment	NOUN
fbem-6227	53	128	private	private	ADJ
fbem-6227	53	129	bank	bank	NOUN
fbem-6227	53	130	network	network	NOUN
fbem-6227	53	131	loan	loan	NOUN
fbem-6227	53	132	intelligent	intelligent	ADJ
fbem-6227	53	133	risk	risk	NOUN
fbem-6227	53	134	control	control	NOUN
fbem-6227	53	135	internet	internet	NOUN
fbem-6227	53	136	payment	payment	NOUN
fbem-6227	53	137	wholesale	wholesale	PROPN
fbem-6227	53	138	bank	bank	NOUN
fbem-6227	53	139	network	network	NOUN
fbem-6227	53	140	financing	financing	NOUN
fbem-6227	53	141	credit	credit	NOUN
fbem-6227	53	142	evaluation	evaluation	NOUN
fbem-6227	53	143	digital	digital	ADJ
fbem-6227	53	144	rmb	rmb	PROPN
fbem-6227	53	145	payment	payment	NOUN
fbem-6227	53	146	modern	modern	ADJ
fbem-6227	53	147	risk	risk	NOUN
fbem-6227	53	148	control	control	NOUN
fbem-6227	53	149	data	datum	NOUN
fbem-6227	53	150	mining	mining	NOUN
fbem-6227	53	151	cloud	cloud	PROPN
fbem-6227	53	152	payment	payment	NOUN
fbem-6227	53	153	quick	quick	ADJ
fbem-6227	53	154	payment	payment	NOUN
fbem-6227	53	155	secondly	secondly	ADV
fbem-6227	53	156	,	,	PUNCT
fbem-6227	53	157	we	we	PRON
fbem-6227	53	158	calculated	calculate	VERB
fbem-6227	53	159	the	the	DET
fbem-6227	53	160	frequency	frequency	NOUN
fbem-6227	53	161	of	of	ADP
fbem-6227	53	162	each	each	DET
fbem-6227	53	163	keyword	keyword	NOUN
fbem-6227	53	164	in	in	ADP
fbem-6227	53	165	the	the	DET
fbem-6227	53	166	annual	annual	ADJ
fbem-6227	53	167	report.to	report.to	X
fbem-6227	53	168	do	do	VERB
fbem-6227	53	169	this	this	PRON
fbem-6227	53	170	,	,	PUNCT
fbem-6227	53	171	we	we	PRON
fbem-6227	53	172	first	first	ADV
fbem-6227	53	173	downloaded	download	VERB
fbem-6227	53	174	the	the	DET
fbem-6227	53	175	pdf	pdf	NOUN
fbem-6227	53	176	annual	annual	ADJ
fbem-6227	53	177	reports	report	NOUN
fbem-6227	53	178	of	of	ADP
fbem-6227	53	179	listed	list	VERB
fbem-6227	53	180	companies	company	NOUN
fbem-6227	53	181	and	and	CCONJ
fbem-6227	53	182	then	then	ADV
fbem-6227	53	183	used	use	VERB
fbem-6227	53	184	python	python	NOUN
fbem-6227	53	185	for	for	ADP
fbem-6227	53	186	text	text	NOUN
fbem-6227	53	187	analysis	analysis	NOUN
fbem-6227	53	188	:	:	PUNCT
fbem-6227	53	189	(	(	PUNCT
fbem-6227	53	190	i	i	NOUN
fbem-6227	53	191	)	)	PUNCT
fbem-6227	53	192	we	we	PRON
fbem-6227	53	193	used	use	VERB
fbem-6227	53	194	the	the	DET
fbem-6227	53	195	pdfminer	pdfminer	NOUN
fbem-6227	53	196	library	library	NOUN
fbem-6227	53	197	to	to	PART
fbem-6227	53	198	convert	convert	VERB
fbem-6227	53	199	the	the	DET
fbem-6227	53	200	annual	annual	ADJ
fbem-6227	53	201	reports	report	NOUN
fbem-6227	53	202	from	from	ADP
fbem-6227	53	203	pdf	pdf	NOUN
fbem-6227	53	204	format	format	NOUN
fbem-6227	53	205	to	to	PART
fbem-6227	53	206	txt	txt	NOUN
fbem-6227	53	207	format	format	NOUN
fbem-6227	53	208	.	.	PUNCT
fbem-6227	54	1	for	for	ADP
fbem-6227	54	2	traditional	traditional	ADJ
fbem-6227	54	3	annual	annual	ADJ
fbem-6227	54	4	reports	report	NOUN
fbem-6227	54	5	that	that	PRON
fbem-6227	54	6	were	be	AUX
fbem-6227	54	7	in	in	ADP
fbem-6227	54	8	word	word	NOUN
fbem-6227	54	9	format	format	NOUN
fbem-6227	54	10	,	,	PUNCT
fbem-6227	54	11	we	we	PRON
fbem-6227	54	12	converted	convert	VERB
fbem-6227	54	13	them	they	PRON
fbem-6227	54	14	to	to	ADP
fbem-6227	54	15	simplified	simplified	ADJ
fbem-6227	54	16	annual	annual	ADJ
fbem-6227	54	17	reports	report	NOUN
fbem-6227	54	18	.	.	PUNCT
fbem-6227	55	1	(	(	PUNCT
fbem-6227	55	2	ii)we	ii)we	PRON
fbem-6227	55	3	then	then	ADV
fbem-6227	55	4	segmented	segment	VERB
fbem-6227	55	5	the	the	DET
fbem-6227	55	6	words	word	NOUN
fbem-6227	55	7	using	use	VERB
fbem-6227	55	8	jieba	jieba	NOUN
fbem-6227	55	9	and	and	CCONJ
fbem-6227	55	10	calculated	calculate	VERB
fbem-6227	55	11	the	the	DET
fbem-6227	55	12	frequency	frequency	NOUN
fbem-6227	55	13	of	of	ADP
fbem-6227	55	14	each	each	DET
fbem-6227	55	15	keyword	keyword	NOUN
fbem-6227	55	16	in	in	ADP
fbem-6227	55	17	each	each	DET
fbem-6227	55	18	annual	annual	ADJ
fbem-6227	55	19	report	report	NOUN
fbem-6227	55	20	.	.	PUNCT
fbem-6227	56	1	finally	finally	ADV
fbem-6227	56	2	,	,	PUNCT
fbem-6227	56	3	we	we	PRON
fbem-6227	56	4	obtained	obtain	VERB
fbem-6227	56	5	the	the	DET
fbem-6227	56	6	total	total	ADJ
fbem-6227	56	7	amount	amount	NOUN
fbem-6227	56	8	of	of	ADP
fbem-6227	56	9	search	search	NOUN
fbem-6227	56	10	results	result	NOUN
fbem-6227	56	11	through	through	ADP
fbem-6227	56	12	a	a	DET
fbem-6227	56	13	python	python	NOUN
fbem-6227	56	14	network	network	NOUN
fbem-6227	56	15	crawler	crawler	NOUN
fbem-6227	56	16	in	in	ADP
fbem-6227	56	17	the	the	DET
fbem-6227	56	18	form	form	NOUN
fbem-6227	56	19	of	of	ADP
fbem-6227	56	20	"	"	PUNCT
fbem-6227	56	21	keyword	keyword	NOUN
fbem-6227	56	22	+	+	CCONJ
fbem-6227	56	23	bank	bank	NOUN
fbem-6227	56	24	name	name	NOUN
fbem-6227	56	25	.	.	PUNCT
fbem-6227	56	26	"	"	PUNCT
fbem-6227	57	1	however	however	ADV
fbem-6227	57	2	,	,	PUNCT
fbem-6227	57	3	we	we	PRON
fbem-6227	57	4	could	could	AUX
fbem-6227	57	5	n't	not	PART
fbem-6227	57	6	eliminate	eliminate	VERB
fbem-6227	57	7	the	the	DET
fbem-6227	57	8	interference	interference	NOUN
fbem-6227	57	9	from	from	ADP
fbem-6227	57	10	irrelevant	irrelevant	ADJ
fbem-6227	57	11	information	information	NOUN
fbem-6227	57	12	such	such	ADJ
fbem-6227	57	13	as	as	ADP
fbem-6227	57	14	advertisements	advertisement	NOUN
fbem-6227	57	15	.	.	PUNCT
fbem-6227	58	1	moreover	moreover	ADV
fbem-6227	58	2	,	,	PUNCT
fbem-6227	58	3	the	the	DET
fbem-6227	58	4	search	search	NOUN
fbem-6227	58	5	results	result	NOUN
fbem-6227	58	6	might	might	AUX
fbem-6227	58	7	contain	contain	VERB
fbem-6227	58	8	some	some	DET
fbem-6227	58	9	news	news	NOUN
fbem-6227	58	10	with	with	ADP
fbem-6227	58	11	weak	weak	ADJ
fbem-6227	58	12	relevance	relevance	NOUN
fbem-6227	58	13	to	to	ADP
fbem-6227	58	14	the	the	DET
fbem-6227	58	15	fintech	fintech	NOUN
fbem-6227	58	16	development	development	NOUN
fbem-6227	58	17	of	of	ADP
fbem-6227	58	18	banks	bank	NOUN
fbem-6227	58	19	.	.	PUNCT
fbem-6227	59	1	these	these	DET
fbem-6227	59	2	two	two	NUM
fbem-6227	59	3	points	point	NOUN
fbem-6227	59	4	may	may	AUX
fbem-6227	59	5	overestimate	overestimate	VERB
fbem-6227	59	6	the	the	DET
fbem-6227	59	7	fintech	fintech	NOUN
fbem-6227	59	8	development	development	NOUN
fbem-6227	59	9	level	level	NOUN
fbem-6227	59	10	of	of	ADP
fbem-6227	59	11	banks	bank	NOUN
fbem-6227	59	12	.	.	PUNCT
fbem-6227	60	1	therefore	therefore	ADV
fbem-6227	60	2	,	,	PUNCT
fbem-6227	60	3	we	we	PRON
fbem-6227	60	4	referred	refer	VERB
fbem-6227	60	5	to	to	ADP
fbem-6227	60	6	the	the	DET
fbem-6227	60	7	research	research	NOUN
fbem-6227	60	8	of	of	ADP
fbem-6227	60	9	li	li	PROPN
fbem-6227	60	10	chuntao	chuntao	PROPN
fbem-6227	60	11	et	et	PROPN
fbem-6227	60	12	al	al	PROPN
fbem-6227	60	13	.	.	PROPN
fbem-6227	61	1	(	(	PUNCT
fbem-6227	61	2	2020	2020	NUM
fbem-6227	61	3	)	)	PUNCT
fbem-6227	62	1	[	[	X
fbem-6227	62	2	13	13	NUM
fbem-6227	62	3	]	]	PUNCT
fbem-6227	62	4	and	and	CCONJ
fbem-6227	62	5	used	use	VERB
fbem-6227	62	6	the	the	DET
fbem-6227	62	7	index	index	NOUN
fbem-6227	62	8	built	build	VERB
fbem-6227	62	9	based	base	VERB
fbem-6227	62	10	on	on	ADP
fbem-6227	62	11	baidu	baidu	NOUN
fbem-6227	62	12	search	search	NOUN
fbem-6227	62	13	as	as	ADP
fbem-6227	62	14	the	the	DET
fbem-6227	62	15	stability	stability	NOUN
fbem-6227	62	16	test	test	NOUN
fbem-6227	62	17	variable	variable	NOUN
fbem-6227	62	18	.	.	PUNCT
fbem-6227	63	1	3.2.3	3.2.3	X
fbem-6227	63	2	.	.	X
fbem-6227	63	3	control	control	NOUN
fbem-6227	63	4	variables	variable	NOUN
fbem-6227	63	5	we	we	PRON
fbem-6227	63	6	controlled	control	VERB
fbem-6227	63	7	for	for	ADP
fbem-6227	63	8	individual	individual	ADJ
fbem-6227	63	9	factors	factor	NOUN
fbem-6227	63	10	at	at	ADP
fbem-6227	63	11	the	the	DET
fbem-6227	63	12	bank	bank	NOUN
fbem-6227	63	13	level	level	NOUN
fbem-6227	63	14	,	,	PUNCT
fbem-6227	63	15	including	include	VERB
fbem-6227	63	16	the	the	DET
fbem-6227	63	17	capital	capital	NOUN
fbem-6227	63	18	adequacy	adequacy	NOUN
fbem-6227	63	19	ratio	ratio	NOUN
fbem-6227	63	20	(	(	PUNCT
fbem-6227	63	21	car	car	NOUN
fbem-6227	63	22	)	)	PUNCT
fbem-6227	63	23	,	,	PUNCT
fbem-6227	63	24	which	which	PRON
fbem-6227	63	25	is	be	AUX
fbem-6227	63	26	expressed	express	VERB
fbem-6227	63	27	as	as	ADP
fbem-6227	63	28	the	the	DET
fbem-6227	63	29	bank	bank	NOUN
fbem-6227	63	30	net	net	ADJ
fbem-6227	63	31	capital	capital	NOUN
fbem-6227	63	32	divided	divide	VERB
fbem-6227	63	33	by	by	ADP
fbem-6227	63	34	total	total	ADJ
fbem-6227	63	35	assets	asset	NOUN
fbem-6227	63	36	.	.	PUNCT
fbem-6227	64	1	we	we	PRON
fbem-6227	64	2	also	also	ADV
fbem-6227	64	3	controlled	control	VERB
fbem-6227	64	4	for	for	ADP
fbem-6227	64	5	the	the	DET
fbem-6227	64	6	bank	bank	NOUN
fbem-6227	64	7	size	size	NOUN
fbem-6227	64	8	index	index	NOUN
fbem-6227	64	9	(	(	PUNCT
fbem-6227	64	10	size	size	NOUN
fbem-6227	64	11	)	)	PUNCT
fbem-6227	64	12	,	,	PUNCT
fbem-6227	64	13	which	which	PRON
fbem-6227	64	14	is	be	AUX
fbem-6227	64	15	expressed	express	VERB
fbem-6227	64	16	by	by	ADP
fbem-6227	64	17	the	the	DET
fbem-6227	64	18	logarithm	logarithm	NOUN
fbem-6227	64	19	of	of	ADP
fbem-6227	64	20	the	the	DET
fbem-6227	64	21	bank	bank	NOUN
fbem-6227	64	22	's	's	PART
fbem-6227	64	23	total	total	ADJ
fbem-6227	64	24	assets	asset	NOUN
fbem-6227	64	25	.	.	PUNCT
fbem-6227	65	1	another	another	DET
fbem-6227	65	2	control	control	NOUN
fbem-6227	65	3	variable	variable	NOUN
fbem-6227	65	4	is	be	AUX
fbem-6227	65	5	a	a	DET
fbem-6227	65	6	measure	measure	NOUN
fbem-6227	65	7	of	of	ADP
fbem-6227	65	8	operating	operate	VERB
fbem-6227	65	9	efficiency	efficiency	NOUN
fbem-6227	65	10	(	(	PUNCT
fbem-6227	65	11	cir	cir	NOUN
fbem-6227	65	12	)	)	PUNCT
fbem-6227	65	13	,	,	PUNCT
fbem-6227	65	14	which	which	PRON
fbem-6227	65	15	is	be	AUX
fbem-6227	65	16	expressed	express	VERB
fbem-6227	65	17	as	as	ADP
fbem-6227	65	18	a	a	DET
fbem-6227	65	19	cost	cost	NOUN
fbem-6227	65	20	-	-	PUNCT
fbem-6227	65	21	to	to	ADP
fbem-6227	65	22	-	-	PUNCT
fbem-6227	65	23	income	income	NOUN
fbem-6227	65	24	ratio	ratio	NOUN
fbem-6227	65	25	.	.	PUNCT
fbem-6227	66	1	this	this	DET
fbem-6227	66	2	ratio	ratio	NOUN
fbem-6227	66	3	is	be	AUX
fbem-6227	66	4	calculated	calculate	VERB
fbem-6227	66	5	by	by	ADP
fbem-6227	66	6	dividing	divide	VERB
fbem-6227	66	7	the	the	DET
fbem-6227	66	8	total	total	ADJ
fbem-6227	66	9	cost	cost	NOUN
fbem-6227	66	10	by	by	ADP
fbem-6227	66	11	operating	operate	VERB
fbem-6227	66	12	revenue	revenue	NOUN
fbem-6227	66	13	.	.	PUNCT
fbem-6227	67	1	finally	finally	ADV
fbem-6227	67	2	,	,	PUNCT
fbem-6227	67	3	we	we	PRON
fbem-6227	67	4	included	include	VERB
fbem-6227	67	5	a	a	DET
fbem-6227	67	6	liquidity	liquidity	NOUN
fbem-6227	67	7	indicator	indicator	NOUN
fbem-6227	67	8	(	(	PUNCT
fbem-6227	67	9	ldr	ldr	PROPN
fbem-6227	67	10	)	)	PUNCT
fbem-6227	67	11	,	,	PUNCT
fbem-6227	67	12	which	which	PRON
fbem-6227	67	13	is	be	AUX
fbem-6227	67	14	measured	measure	VERB
fbem-6227	67	15	as	as	ADP
fbem-6227	67	16	the	the	DET
fbem-6227	67	17	ratio	ratio	NOUN
fbem-6227	67	18	of	of	ADP
fbem-6227	67	19	total	total	ADJ
fbem-6227	67	20	loans	loan	NOUN
fbem-6227	67	21	to	to	ADP
fbem-6227	67	22	total	total	ADJ
fbem-6227	67	23	deposits	deposit	NOUN
fbem-6227	67	24	.	.	PUNCT
fbem-6227	68	1	table	table	NOUN
fbem-6227	68	2	2	2	NUM
fbem-6227	68	3	.	.	PUNCT
fbem-6227	68	4	main	main	ADJ
fbem-6227	68	5	variable	variable	ADJ
fbem-6227	68	6	meaning	meaning	NOUN
fbem-6227	68	7	and	and	CCONJ
fbem-6227	68	8	descriptive	descriptive	ADJ
fbem-6227	68	9	statistics	statistic	NOUN
fbem-6227	68	10	variable	variable	ADJ
fbem-6227	68	11	type	type	NOUN
fbem-6227	68	12	variable	variable	ADJ
fbem-6227	68	13	symbol	symbol	NOUN
fbem-6227	68	14	meaning	mean	VERB
fbem-6227	68	15	description	description	NOUN
fbem-6227	68	16	mean	mean	VERB
fbem-6227	68	17	std.dev	std.dev	NOUN
fbem-6227	68	18	explained	explain	VERB
fbem-6227	68	19	variable	variable	ADJ
fbem-6227	68	20	non	non	ADJ
fbem-6227	68	21	-	-	ADJ
fbem-6227	68	22	performing	perform	VERB
fbem-6227	68	23	loan	loan	NOUN
fbem-6227	68	24	ratio	ratio	NOUN
fbem-6227	68	25	npl	npl	PROPN
fbem-6227	68	26	non	non	ADJ
fbem-6227	68	27	-	-	ADJ
fbem-6227	68	28	performing	performing	ADJ
fbem-6227	68	29	loans	loan	NOUN
fbem-6227	68	30	/	/	SYM
fbem-6227	68	31	total	total	ADJ
fbem-6227	68	32	loans	loan	NOUN
fbem-6227	68	33	2.710	2.710	NUM
fbem-6227	68	34	0.426	0.426	NUM
fbem-6227	68	35	net	net	ADJ
fbem-6227	68	36	interest	interest	NOUN
fbem-6227	68	37	margin	margin	NOUN
fbem-6227	68	38	nii	nii	PROPN
fbem-6227	68	39	(	(	PUNCT
fbem-6227	68	40	interest	interest	NOUN
fbem-6227	68	41	income	income	NOUN
fbem-6227	68	42	-	-	PUNCT
fbem-6227	68	43	interest	interest	NOUN
fbem-6227	68	44	expense)/all	expense)/all	NOUN
fbem-6227	68	45	interest	interest	NOUN
fbem-6227	68	46	-	-	PUNCT
fbem-6227	68	47	bearing	bear	VERB
fbem-6227	68	48	assets	asset	NOUN
fbem-6227	68	49	2.349	2.349	NUM
fbem-6227	68	50	0.432	0.432	NUM
fbem-6227	68	51	risk	risk	NOUN
fbem-6227	68	52	-	-	PUNCT
fbem-6227	68	53	weighted	weight	VERB
fbem-6227	68	54	rate	rate	NOUN
fbem-6227	68	55	of	of	ADP
fbem-6227	68	56	return	return	NOUN
fbem-6227	68	57	rorwa	rorwa	NOUN
fbem-6227	68	58	net	net	ADJ
fbem-6227	68	59	profit	profit	NOUN
fbem-6227	68	60	/	/	SYM
fbem-6227	68	61	risk	risk	NOUN
fbem-6227	68	62	-	-	PUNCT
fbem-6227	68	63	weighted	weight	VERB
fbem-6227	68	64	assets	asset	NOUN
fbem-6227	68	65	3.132	3.132	NUM
fbem-6227	68	66	10.38	10.38	NUM
fbem-6227	68	67	explanatory	explanatory	ADJ
fbem-6227	68	68	variable	variable	ADJ
fbem-6227	68	69	fintech	fintech	NOUN
fbem-6227	68	70	fintech	fintech	NOUN
fbem-6227	68	71	self	self	NOUN
fbem-6227	68	72	-	-	PUNCT
fbem-6227	68	73	calculation	calculation	NOUN
fbem-6227	68	74	59.46	59.46	NUM
fbem-6227	68	75	40.75	40.75	NUM
fbem-6227	68	76	control	control	NOUN
fbem-6227	68	77	variable	variable	ADJ
fbem-6227	68	78	capital	capital	NOUN
fbem-6227	68	79	adequacy	adequacy	NOUN
fbem-6227	68	80	ratio	ratio	NOUN
fbem-6227	68	81	car	car	NOUN
fbem-6227	68	82	net	net	NOUN
fbem-6227	68	83	capital	capital	NOUN
fbem-6227	68	84	/	/	SYM
fbem-6227	68	85	total	total	ADJ
fbem-6227	68	86	assets	asset	NOUN
fbem-6227	68	87	of	of	ADP
fbem-6227	68	88	a	a	DET
fbem-6227	68	89	bank	bank	NOUN
fbem-6227	68	90	13.38	13.38	NUM
fbem-6227	68	91	1.744	1.744	NUM
fbem-6227	68	92	bank	bank	NOUN
fbem-6227	68	93	size	size	NOUN
fbem-6227	68	94	size	size	NOUN
fbem-6227	68	95	the	the	DET
fbem-6227	68	96	logarithm	logarithm	NOUN
fbem-6227	68	97	of	of	ADP
fbem-6227	68	98	a	a	DET
fbem-6227	68	99	bank	bank	NOUN
fbem-6227	68	100	's	's	PART
fbem-6227	68	101	total	total	ADJ
fbem-6227	68	102	assets	asset	NOUN
fbem-6227	68	103	27.96	27.96	NUM
fbem-6227	68	104	1.683	1.683	NUM
fbem-6227	68	105	operating	operating	NOUN
fbem-6227	68	106	efficiency	efficiency	NOUN
fbem-6227	68	107	cir	cir	NOUN
fbem-6227	68	108	total	total	NOUN
fbem-6227	68	109	cost	cost	NOUN
fbem-6227	68	110	divided	divide	VERB
fbem-6227	68	111	by	by	ADP
fbem-6227	68	112	revenue	revenue	NOUN
fbem-6227	68	113	30.40	30.40	NUM
fbem-6227	68	114	4.580	4.580	NUM
fbem-6227	68	115	liquidity	liquidity	NOUN
fbem-6227	68	116	indicator	indicator	NOUN
fbem-6227	68	117	ldr	ldr	PROPN
fbem-6227	68	118	ratio	ratio	NOUN
fbem-6227	68	119	of	of	ADP
fbem-6227	68	120	total	total	ADJ
fbem-6227	68	121	loans	loan	NOUN
fbem-6227	68	122	to	to	PART
fbem-6227	68	123	total	total	ADJ
fbem-6227	68	124	deposits	deposit	NOUN
fbem-6227	68	125	73.05	73.05	NUM
fbem-6227	68	126	13.49	13.49	NUM
fbem-6227	68	127	269	269	NUM
fbem-6227	68	128	3.3	3.3	NUM
fbem-6227	68	129	.	.	PUNCT
fbem-6227	69	1	descriptive	descriptive	ADJ
fbem-6227	69	2	statistics	statistic	NOUN
fbem-6227	69	3	as	as	SCONJ
fbem-6227	69	4	depicted	depict	VERB
fbem-6227	69	5	in	in	ADP
fbem-6227	69	6	the	the	DET
fbem-6227	69	7	figure	figure	NOUN
fbem-6227	69	8	,	,	PUNCT
fbem-6227	69	9	the	the	DET
fbem-6227	69	10	time	time	NOUN
fbem-6227	69	11	trend	trend	NOUN
fbem-6227	69	12	graph	graph	NOUN
fbem-6227	69	13	for	for	ADP
fbem-6227	69	14	the	the	DET
fbem-6227	69	15	growth	growth	NOUN
fbem-6227	69	16	rate	rate	NOUN
fbem-6227	69	17	of	of	ADP
fbem-6227	69	18	net	net	ADJ
fbem-6227	69	19	interest	interest	NOUN
fbem-6227	69	20	income	income	NOUN
fbem-6227	69	21	(	(	PUNCT
fbem-6227	69	22	nii	nii	PROPN
fbem-6227	69	23	)	)	PUNCT
fbem-6227	69	24	of	of	ADP
fbem-6227	69	25	different	different	ADJ
fbem-6227	69	26	banks	bank	NOUN
fbem-6227	69	27	is	be	AUX
fbem-6227	69	28	roughly	roughly	ADV
fbem-6227	69	29	the	the	DET
fbem-6227	69	30	same	same	ADJ
fbem-6227	69	31	.	.	PUNCT
fbem-6227	70	1	in	in	ADP
fbem-6227	70	2	general	general	ADJ
fbem-6227	70	3	,	,	PUNCT
fbem-6227	70	4	it	it	PRON
fbem-6227	70	5	remains	remain	VERB
fbem-6227	70	6	relatively	relatively	ADV
fbem-6227	70	7	flat	flat	ADJ
fbem-6227	70	8	with	with	ADP
fbem-6227	70	9	a	a	DET
fbem-6227	70	10	slight	slight	ADJ
fbem-6227	70	11	upward	upward	ADJ
fbem-6227	70	12	trend	trend	NOUN
fbem-6227	70	13	that	that	PRON
fbem-6227	70	14	is	be	AUX
fbem-6227	70	15	not	not	PART
fbem-6227	70	16	particularly	particularly	ADV
fbem-6227	70	17	obvious.in	obvious.in	NUM
fbem-6227	70	18	contrast	contrast	NOUN
fbem-6227	70	19	,	,	PUNCT
fbem-6227	70	20	the	the	DET
fbem-6227	70	21	time	time	NOUN
fbem-6227	70	22	trend	trend	NOUN
fbem-6227	70	23	chart	chart	NOUN
fbem-6227	70	24	for	for	ADP
fbem-6227	70	25	the	the	DET
fbem-6227	70	26	non	non	ADJ
fbem-6227	70	27	-	-	ADJ
fbem-6227	70	28	performing	perform	VERB
fbem-6227	70	29	loan	loan	NOUN
fbem-6227	70	30	ratio	ratio	NOUN
fbem-6227	70	31	(	(	PUNCT
fbem-6227	70	32	npl	npl	NOUN
fbem-6227	70	33	)	)	PUNCT
fbem-6227	70	34	of	of	ADP
fbem-6227	70	35	different	different	ADJ
fbem-6227	70	36	banks	bank	NOUN
fbem-6227	70	37	has	have	AUX
fbem-6227	70	38	undergone	undergo	VERB
fbem-6227	70	39	significant	significant	ADJ
fbem-6227	70	40	changes	change	NOUN
fbem-6227	70	41	,	,	PUNCT
fbem-6227	70	42	with	with	ADP
fbem-6227	70	43	most	most	ADJ
fbem-6227	70	44	peaks	peak	NOUN
fbem-6227	70	45	appearing	appear	VERB
fbem-6227	70	46	in	in	ADP
fbem-6227	70	47	2015	2015	NUM
fbem-6227	70	48	,	,	PUNCT
fbem-6227	70	49	followed	follow	VERB
fbem-6227	70	50	by	by	ADP
fbem-6227	70	51	a	a	DET
fbem-6227	70	52	gradual	gradual	ADJ
fbem-6227	70	53	decline	decline	NOUN
fbem-6227	70	54	.	.	PUNCT
fbem-6227	71	1	this	this	DET
fbem-6227	71	2	phenomenon	phenomenon	NOUN
fbem-6227	71	3	may	may	AUX
fbem-6227	71	4	be	be	AUX
fbem-6227	71	5	related	relate	VERB
fbem-6227	71	6	to	to	ADP
fbem-6227	71	7	the	the	DET
fbem-6227	71	8	15	15	NUM
fbem-6227	71	9	-	-	PUNCT
fbem-6227	71	10	year	year	NOUN
fbem-6227	71	11	structural	structural	ADJ
fbem-6227	71	12	bull	bull	NOUN
fbem-6227	71	13	market	market	NOUN
fbem-6227	71	14	.	.	PUNCT
fbem-6227	72	1	on	on	ADP
fbem-6227	72	2	one	one	NUM
fbem-6227	72	3	hand	hand	NOUN
fbem-6227	72	4	,	,	PUNCT
fbem-6227	72	5	inter	inter	ADJ
fbem-6227	72	6	-	-	ADJ
fbem-6227	72	7	bank	bank	ADJ
fbem-6227	72	8	liquidity	liquidity	NOUN
fbem-6227	72	9	is	be	AUX
fbem-6227	72	10	abundant	abundant	ADJ
fbem-6227	72	11	,	,	PUNCT
fbem-6227	72	12	while	while	SCONJ
fbem-6227	72	13	on	on	ADP
fbem-6227	72	14	the	the	DET
fbem-6227	72	15	other	other	ADJ
fbem-6227	72	16	hand	hand	NOUN
fbem-6227	72	17	,	,	PUNCT
fbem-6227	72	18	financing	finance	VERB
fbem-6227	72	19	difficulties	difficulty	NOUN
fbem-6227	72	20	for	for	ADP
fbem-6227	72	21	the	the	DET
fbem-6227	72	22	real	real	ADJ
fbem-6227	72	23	economy	economy	NOUN
fbem-6227	72	24	have	have	AUX
fbem-6227	72	25	resulted	result	VERB
fbem-6227	72	26	in	in	ADP
fbem-6227	72	27	more	more	ADV
fbem-6227	72	28	bad	bad	ADJ
fbem-6227	72	29	loans	loan	NOUN
fbem-6227	72	30	,	,	PUNCT
fbem-6227	72	31	causing	cause	VERB
fbem-6227	72	32	the	the	DET
fbem-6227	72	33	defect	defect	NOUN
fbem-6227	72	34	rate	rate	NOUN
fbem-6227	72	35	to	to	PART
fbem-6227	72	36	reach	reach	VERB
fbem-6227	72	37	a	a	DET
fbem-6227	72	38	peak.the	peak.the	DET
fbem-6227	72	39	trend	trend	NOUN
fbem-6227	72	40	chart	chart	NOUN
fbem-6227	72	41	for	for	ADP
fbem-6227	72	42	the	the	DET
fbem-6227	72	43	non	non	ADJ
fbem-6227	72	44	-	-	ADJ
fbem-6227	72	45	performing	perform	VERB
fbem-6227	72	46	loan	loan	NOUN
fbem-6227	72	47	ratio	ratio	NOUN
fbem-6227	72	48	of	of	ADP
fbem-6227	72	49	individual	individual	ADJ
fbem-6227	72	50	banks	bank	NOUN
fbem-6227	72	51	shows	show	VERB
fbem-6227	72	52	a	a	DET
fbem-6227	72	53	gradual	gradual	ADJ
fbem-6227	72	54	decline	decline	NOUN
fbem-6227	72	55	,	,	PUNCT
fbem-6227	72	56	indicating	indicate	VERB
fbem-6227	72	57	that	that	SCONJ
fbem-6227	72	58	factors	factor	NOUN
fbem-6227	72	59	determining	determine	VERB
fbem-6227	72	60	npl	npl	NOUN
fbem-6227	72	61	differ	differ	VERB
fbem-6227	72	62	among	among	ADP
fbem-6227	72	63	banks	bank	NOUN
fbem-6227	72	64	.	.	PUNCT
fbem-6227	73	1	this	this	DET
fbem-6227	73	2	difference	difference	NOUN
fbem-6227	73	3	in	in	ADP
fbem-6227	73	4	non	non	ADJ
fbem-6227	73	5	-	-	ADJ
fbem-6227	73	6	performing	perform	VERB
fbem-6227	73	7	loan	loan	NOUN
fbem-6227	73	8	ratio	ratio	NOUN
fbem-6227	73	9	among	among	ADP
fbem-6227	73	10	banks	bank	NOUN
fbem-6227	73	11	can	can	AUX
fbem-6227	73	12	be	be	AUX
fbem-6227	73	13	helpful	helpful	ADJ
fbem-6227	73	14	in	in	ADP
fbem-6227	73	15	estimating	estimate	VERB
fbem-6227	73	16	these	these	DET
fbem-6227	73	17	factors	factor	NOUN
fbem-6227	73	18	.	.	PUNCT
fbem-6227	74	1	figure	figure	VERB
fbem-6227	74	2	1	1	NUM
fbem-6227	74	3	.	.	NOUN
fbem-6227	74	4	time	time	NOUN
fbem-6227	74	5	trend	trend	NOUN
fbem-6227	74	6	chart	chart	NOUN
fbem-6227	74	7	(	(	PUNCT
fbem-6227	74	8	npl	npl	X
fbem-6227	74	9	and	and	CCONJ
fbem-6227	74	10	nii	nii	NOUN
fbem-6227	74	11	)	)	PUNCT
fbem-6227	74	12	as	as	SCONJ
fbem-6227	74	13	demonstrated	demonstrate	VERB
fbem-6227	74	14	by	by	ADP
fbem-6227	74	15	the	the	DET
fbem-6227	74	16	correlation	correlation	NOUN
fbem-6227	74	17	coefficient	coefficient	NOUN
fbem-6227	74	18	matrix	matrix	NOUN
fbem-6227	74	19	below	below	ADV
fbem-6227	74	20	,	,	PUNCT
fbem-6227	74	21	fintech	fintech	NOUN
fbem-6227	74	22	is	be	AUX
fbem-6227	74	23	positively	positively	ADV
fbem-6227	74	24	correlated	correlate	VERB
fbem-6227	74	25	with	with	ADP
fbem-6227	74	26	net	net	ADJ
fbem-6227	74	27	interest	interest	NOUN
fbem-6227	74	28	margin	margin	NOUN
fbem-6227	74	29	(	(	PUNCT
fbem-6227	74	30	nii	nii	NOUN
fbem-6227	74	31	)	)	PUNCT
fbem-6227	74	32	,	,	PUNCT
fbem-6227	74	33	and	and	CCONJ
fbem-6227	74	34	negatively	negatively	ADV
fbem-6227	74	35	correlated	correlate	VERB
fbem-6227	74	36	with	with	ADP
fbem-6227	74	37	non	non	ADJ
fbem-6227	74	38	-	-	ADJ
fbem-6227	74	39	performing	performing	ADJ
fbem-6227	74	40	loan	loan	NOUN
fbem-6227	74	41	ratio	ratio	NOUN
fbem-6227	74	42	(	(	PUNCT
fbem-6227	74	43	npl	npl	PROPN
fbem-6227	74	44	)	)	PUNCT
fbem-6227	74	45	and	and	CCONJ
fbem-6227	74	46	weighted	weight	VERB
fbem-6227	74	47	risk	risk	NOUN
fbem-6227	74	48	-	-	PUNCT
fbem-6227	74	49	return	return	NOUN
fbem-6227	74	50	(	(	PUNCT
fbem-6227	74	51	rorwa).in	rorwa).in	DET
fbem-6227	74	52	other	other	ADJ
fbem-6227	74	53	words	word	NOUN
fbem-6227	74	54	,	,	PUNCT
fbem-6227	74	55	it	it	PRON
fbem-6227	74	56	can	can	AUX
fbem-6227	74	57	be	be	AUX
fbem-6227	74	58	concluded	conclude	VERB
fbem-6227	74	59	that	that	SCONJ
fbem-6227	74	60	fintech	fintech	NOUN
fbem-6227	74	61	has	have	VERB
fbem-6227	74	62	a	a	DET
fbem-6227	74	63	positive	positive	ADJ
fbem-6227	74	64	impact	impact	NOUN
fbem-6227	74	65	on	on	ADP
fbem-6227	74	66	net	net	ADJ
fbem-6227	74	67	interest	interest	NOUN
fbem-6227	74	68	margin	margin	NOUN
fbem-6227	74	69	,	,	PUNCT
fbem-6227	74	70	while	while	SCONJ
fbem-6227	74	71	having	have	VERB
fbem-6227	74	72	a	a	DET
fbem-6227	74	73	negative	negative	ADJ
fbem-6227	74	74	impact	impact	NOUN
fbem-6227	74	75	on	on	ADP
fbem-6227	74	76	nonperforming	nonperforme	VERB
fbem-6227	74	77	loan	loan	NOUN
fbem-6227	74	78	ratio	ratio	NOUN
fbem-6227	74	79	and	and	CCONJ
fbem-6227	74	80	risk	risk	NOUN
fbem-6227	74	81	-	-	PUNCT
fbem-6227	74	82	weighted	weight	VERB
fbem-6227	74	83	rate	rate	NOUN
fbem-6227	74	84	of	of	ADP
fbem-6227	74	85	return	return	NOUN
fbem-6227	74	86	.	.	PUNCT
fbem-6227	75	1	however	however	ADV
fbem-6227	75	2	,	,	PUNCT
fbem-6227	75	3	it	it	PRON
fbem-6227	75	4	is	be	AUX
fbem-6227	75	5	important	important	ADJ
fbem-6227	75	6	to	to	PART
fbem-6227	75	7	note	note	VERB
fbem-6227	75	8	that	that	SCONJ
fbem-6227	75	9	correlation	correlation	NOUN
fbem-6227	75	10	coefficients	coefficient	NOUN
fbem-6227	75	11	do	do	AUX
fbem-6227	75	12	not	not	PART
fbem-6227	75	13	necessarily	necessarily	ADV
fbem-6227	75	14	indicate	indicate	VERB
fbem-6227	75	15	causation	causation	NOUN
fbem-6227	75	16	,	,	PUNCT
fbem-6227	75	17	and	and	CCONJ
fbem-6227	75	18	a	a	DET
fbem-6227	75	19	regression	regression	NOUN
fbem-6227	75	20	analysis	analysis	NOUN
fbem-6227	75	21	will	will	AUX
fbem-6227	75	22	be	be	AUX
fbem-6227	75	23	conducted	conduct	VERB
fbem-6227	75	24	to	to	PART
fbem-6227	75	25	verify	verify	VERB
fbem-6227	75	26	causality	causality	NOUN
fbem-6227	75	27	.	.	PUNCT
fbem-6227	76	1	table	table	NOUN
fbem-6227	76	2	3	3	NUM
fbem-6227	76	3	.	.	PUNCT
fbem-6227	76	4	correlation	correlation	NOUN
fbem-6227	76	5	coefficient	coefficient	NOUN
fbem-6227	76	6	matrix	matrix	NOUN
fbem-6227	76	7	npl	npl	PROPN
fbem-6227	76	8	nii	nii	PROPN
fbem-6227	76	9	rorwa	rorwa	PROPN
fbem-6227	76	10	fintech	fintech	PROPN
fbem-6227	76	11	size	size	NOUN
fbem-6227	76	12	cir	cir	PROPN
fbem-6227	76	13	ldr	ldr	PROPN
fbem-6227	76	14	npl	npl	PROPN
fbem-6227	76	15	1	1	NUM
fbem-6227	76	16	nii	nii	PROPN
fbem-6227	76	17	-0.176	-0.176	NOUN
fbem-6227	76	18	*	*	PUNCT
fbem-6227	76	19	*	*	PUNCT
fbem-6227	76	20	*	*	SYM
fbem-6227	76	21	1	1	NUM
fbem-6227	76	22	rorwa	rorwa	NOUN
fbem-6227	76	23	-0.0590	-0.0590	PUNCT
fbem-6227	77	1	0.101	0.101	NUM
fbem-6227	77	2	*	*	SYM
fbem-6227	77	3	1	1	NUM
fbem-6227	77	4	fintech	fintech	NOUN
fbem-6227	77	5	0.00900	0.00900	NUM
fbem-6227	77	6	-0.257	-0.257	NOUN
fbem-6227	77	7	*	*	PUNCT
fbem-6227	77	8	*	*	PUNCT
fbem-6227	77	9	*	*	PUNCT
fbem-6227	77	10	0.096	0.096	NUM
fbem-6227	77	11	*	*	SYM
fbem-6227	77	12	1	1	NUM
fbem-6227	77	13	size	size	NOUN
fbem-6227	77	14	-0.0440	-0.0440	X
fbem-6227	78	1	-0.239	-0.239	PUNCT
fbem-6227	79	1	*	*	PUNCT
fbem-6227	79	2	*	*	PUNCT
fbem-6227	79	3	*	*	PUNCT
fbem-6227	79	4	0.251	0.251	NUM
fbem-6227	79	5	*	*	PUNCT
fbem-6227	79	6	*	*	PUNCT
fbem-6227	79	7	*	*	PUNCT
fbem-6227	79	8	0.753	0.753	NUM
fbem-6227	79	9	*	*	PUNCT
fbem-6227	79	10	*	*	PUNCT
fbem-6227	79	11	*	*	SYM
fbem-6227	79	12	1	1	NUM
fbem-6227	79	13	cir	cir	NOUN
fbem-6227	79	14	-0.126	-0.126	NOUN
fbem-6227	79	15	*	*	PUNCT
fbem-6227	79	16	*	*	PUNCT
fbem-6227	80	1	0.328	0.328	NUM
fbem-6227	80	2	*	*	PUNCT
fbem-6227	80	3	*	*	PUNCT
fbem-6227	80	4	*	*	PUNCT
fbem-6227	80	5	-0.0490	-0.0490	X
fbem-6227	80	6	-0.336	-0.336	NOUN
fbem-6227	80	7	*	*	PUNCT
fbem-6227	80	8	*	*	PUNCT
fbem-6227	80	9	*	*	PUNCT
fbem-6227	80	10	-0.332	-0.332	PUNCT
fbem-6227	80	11	*	*	PUNCT
fbem-6227	80	12	*	*	PUNCT
fbem-6227	80	13	*	*	PROPN
fbem-6227	80	14	1	1	NUM
fbem-6227	80	15	ldr	ldr	NOUN
fbem-6227	80	16	0.142	0.142	NUM
fbem-6227	80	17	*	*	NOUN
fbem-6227	80	18	*	*	PUNCT
fbem-6227	80	19	-0.223	-0.223	PUNCT
fbem-6227	80	20	*	*	PUNCT
fbem-6227	80	21	*	*	PUNCT
fbem-6227	80	22	*	*	PUNCT
fbem-6227	80	23	-0.0590	-0.0590	PRON
fbem-6227	81	1	0.434	0.434	NUM
fbem-6227	81	2	*	*	PUNCT
fbem-6227	81	3	*	*	PUNCT
fbem-6227	81	4	*	*	PUNCT
fbem-6227	81	5	0.353	0.353	NUM
fbem-6227	81	6	*	*	PUNCT
fbem-6227	81	7	*	*	PUNCT
fbem-6227	81	8	*	*	PUNCT
fbem-6227	81	9	-0.253	-0.253	PUNCT
fbem-6227	81	10	*	*	PUNCT
fbem-6227	81	11	*	*	PUNCT
fbem-6227	81	12	*	*	PUNCT
fbem-6227	81	13	1	1	NUM
fbem-6227	81	14	car	car	NOUN
fbem-6227	81	15	0.152	0.152	NUM
fbem-6227	81	16	*	*	PUNCT
fbem-6227	81	17	*	*	PUNCT
fbem-6227	81	18	*	*	PUNCT
fbem-6227	81	19	-0.196	-0.196	ADJ
fbem-6227	81	20	*	*	PUNCT
fbem-6227	81	21	*	*	PUNCT
fbem-6227	81	22	*	*	PUNCT
fbem-6227	81	23	0.106	0.106	NUM
fbem-6227	81	24	*	*	PUNCT
fbem-6227	81	25	0.142	0.142	NUM
fbem-6227	81	26	*	*	PUNCT
fbem-6227	81	27	*	*	PUNCT
fbem-6227	81	28	-0.0170	-0.0170	NOUN
fbem-6227	82	1	-0.134	-0.134	PUNCT
fbem-6227	82	2	*	*	PUNCT
fbem-6227	82	3	*	*	NOUN
fbem-6227	82	4	0.138	0.138	NUM
fbem-6227	82	5	*	*	PUNCT
fbem-6227	82	6	*	*	SYM
fbem-6227	82	7	3.4	3.4	NUM
fbem-6227	82	8	.	.	PUNCT
fbem-6227	82	9	model	model	NOUN
fbem-6227	82	10	construction	construction	NOUN
fbem-6227	82	11	this	this	DET
fbem-6227	82	12	main	main	ADJ
fbem-6227	82	13	focus	focus	NOUN
fbem-6227	82	14	of	of	ADP
fbem-6227	82	15	this	this	DET
fbem-6227	82	16	paper	paper	NOUN
fbem-6227	82	17	is	be	AUX
fbem-6227	82	18	to	to	PART
fbem-6227	82	19	examine	examine	VERB
fbem-6227	82	20	the	the	DET
fbem-6227	82	21	impact	impact	NOUN
fbem-6227	82	22	of	of	ADP
fbem-6227	82	23	fintech	fintech	NOUN
fbem-6227	82	24	development	development	NOUN
fbem-6227	82	25	level	level	NOUN
fbem-6227	82	26	on	on	ADP
fbem-6227	82	27	both	both	PRON
fbem-6227	82	28	bank	bank	NOUN
fbem-6227	82	29	risk	risk	NOUN
fbem-6227	82	30	control	control	NOUN
fbem-6227	82	31	and	and	CCONJ
fbem-6227	82	32	bank	bank	NOUN
fbem-6227	82	33	profitability	profitability	NOUN
fbem-6227	82	34	level	level	NOUN
fbem-6227	82	35	.	.	PUNCT
fbem-6227	83	1	to	to	PART
fbem-6227	83	2	address	address	VERB
fbem-6227	83	3	potential	potential	ADJ
fbem-6227	83	4	endogenous	endogenous	ADJ
fbem-6227	83	5	issues	issue	NOUN
fbem-6227	83	6	stemming	stem	VERB
fbem-6227	83	7	from	from	ADP
fbem-6227	83	8	individual	individual	ADJ
fbem-6227	83	9	and	and	CCONJ
fbem-6227	83	10	time	time	NOUN
fbem-6227	83	11	-	-	PUNCT
fbem-6227	83	12	based	base	VERB
fbem-6227	83	13	factors	factor	NOUN
fbem-6227	83	14	,	,	PUNCT
fbem-6227	83	15	the	the	DET
fbem-6227	83	16	paper	paper	NOUN
fbem-6227	83	17	employs	employ	VERB
fbem-6227	83	18	a	a	DET
fbem-6227	83	19	two	two	NUM
fbem-6227	83	20	-	-	PUNCT
fbem-6227	83	21	way	way	NOUN
fbem-6227	83	22	fixed	fix	VERB
fbem-6227	83	23	utility	utility	NOUN
fbem-6227	83	24	model	model	NOUN
fbem-6227	83	25	for	for	ADP
fbem-6227	83	26	estimation	estimation	NOUN
fbem-6227	83	27	.	.	PUNCT
fbem-6227	84	1	,	,	PUNCT
fbem-6227	84	2	i	i	PRON
fbem-6227	84	3	,	,	PUNCT
fbem-6227	84	4	t	t	PROPN
fbem-6227	84	5	,	,	PUNCT
fbem-6227	84	6	,	,	PUNCT
fbem-6227	84	7	i	i	PRON
fbem-6227	84	8	ei	ei	VERB
fbem-6227	84	9	t	t	X
fbem-6227	85	1	i	i	PRON
fbem-6227	85	2	t	t	VERB
fbem-6227	86	1	i	i	PRON
fbem-6227	87	1	i	i	PRON
fbem-6227	88	1	i	i	PRON
fbem-6227	89	1	ty	ty	INTJ
fbem-6227	90	1	f	f	X
fbem-6227	90	2	nt	not	PART
fbem-6227	90	3	ch	ch	PROPN
fbem-6227	90	4	controls	controls	PROPN
fbem-6227	90	5			PROPN
fbem-6227	90	6			ADJ
fbem-6227	90	7			NOUN
fbem-6227	90	8			ADJ
fbem-6227	90	9			PROPN
fbem-6227	90	10			ADV
fbem-6227	90	11			PRON
fbem-6227	90	12			PROPN
fbem-6227	90	13			PUNCT
fbem-6227	90	14			VERB
fbem-6227	90	15	in	in	ADP
fbem-6227	90	16	the	the	DET
fbem-6227	90	17	following	follow	VERB
fbem-6227	90	18	table	table	NOUN
fbem-6227	90	19	,	,	PUNCT
fbem-6227	90	20	i	i	PRON
fbem-6227	90	21	represents	represent	VERB
fbem-6227	90	22	the	the	DET
fbem-6227	90	23	bank	bank	NOUN
fbem-6227	90	24	and	and	CCONJ
fbem-6227	90	25	t	t	PROPN
fbem-6227	90	26	represents	represent	VERB
fbem-6227	90	27	the	the	DET
fbem-6227	90	28	year	year	NOUN
fbem-6227	90	29	.	.	PUNCT
fbem-6227	91	1	,	,	PUNCT
fbem-6227	91	2	i	i	PRON
fbem-6227	91	3	ty	ty	INTJ
fbem-6227	91	4	represents	represent	VERB
fbem-6227	91	5	the	the	DET
fbem-6227	91	6	explanatory	explanatory	ADJ
fbem-6227	91	7	variable	variable	NOUN
fbem-6227	91	8	,	,	PUNCT
fbem-6227	91	9	which	which	PRON
fbem-6227	91	10	is	be	AUX
fbem-6227	91	11	composed	compose	VERB
fbem-6227	91	12	of	of	ADP
fbem-6227	91	13	non	non	ADJ
fbem-6227	91	14	-	-	ADJ
fbem-6227	91	15	performing	performing	ADJ
fbem-6227	91	16	loan	loan	NOUN
fbem-6227	91	17	ratio	ratio	NOUN
fbem-6227	91	18	,	,	PUNCT
fbem-6227	91	19	risk	risk	NOUN
fbem-6227	91	20	-	-	PUNCT
fbem-6227	91	21	weighted	weight	VERB
fbem-6227	91	22	return	return	NOUN
fbem-6227	91	23	rate	rate	NOUN
fbem-6227	91	24	and	and	CCONJ
fbem-6227	91	25	net	net	ADJ
fbem-6227	91	26	interest	interest	NOUN
fbem-6227	91	27	margin	margin	NOUN
fbem-6227	91	28	.	.	PUNCT
fbem-6227	92	1	i	i	PRON
fbem-6227	92	2	,	,	PUNCT
fbem-6227	92	3	ti	ti	PROPN
fbem-6227	92	4	ef	ef	PROPN
fbem-6227	92	5	nt	not	PART
fbem-6227	92	6	ch	ch	PROPN
fbem-6227	92	7	refers	refer	VERB
fbem-6227	92	8	to	to	ADP
fbem-6227	92	9	the	the	DET
fbem-6227	92	10	level	level	NOUN
fbem-6227	92	11	of	of	ADP
fbem-6227	92	12	fintech	fintech	NOUN
fbem-6227	92	13	development	development	NOUN
fbem-6227	92	14	of	of	ADP
fbem-6227	92	15	different	different	ADJ
fbem-6227	92	16	banks	bank	NOUN
fbem-6227	92	17	in	in	ADP
fbem-6227	92	18	different	different	ADJ
fbem-6227	92	19	years	year	NOUN
fbem-6227	92	20	.	.	PUNCT
fbem-6227	93	1	,	,	PUNCT
fbem-6227	93	2	i	i	PRON
fbem-6227	93	3	tcontrols	tcontrol	VERB
fbem-6227	93	4	represents	represent	VERB
fbem-6227	93	5	control	control	NOUN
fbem-6227	93	6	variables	variable	NOUN
fbem-6227	93	7	at	at	ADP
fbem-6227	93	8	the	the	DET
fbem-6227	93	9	bank	bank	NOUN
fbem-6227	93	10	level	level	NOUN
fbem-6227	93	11	,	,	PUNCT
fbem-6227	93	12	including	include	VERB
fbem-6227	93	13	bank	bank	NOUN
fbem-6227	93	14	size	size	NOUN
fbem-6227	93	15	(	(	PUNCT
fbem-6227	93	16	size	size	NOUN
fbem-6227	93	17	)	)	PUNCT
fbem-6227	93	18	,	,	PUNCT
fbem-6227	93	19	operation	operation	NOUN
fbem-6227	93	20	efficiency	efficiency	NOUN
fbem-6227	93	21	(	(	PUNCT
fbem-6227	93	22	cir),capital	cir),capital	ADJ
fbem-6227	93	23	adequacy	adequacy	NOUN
fbem-6227	93	24	ratio	ratio	NOUN
fbem-6227	93	25	(	(	PUNCT
fbem-6227	93	26	car	car	NOUN
fbem-6227	93	27	)	)	PUNCT
fbem-6227	93	28	and	and	CCONJ
fbem-6227	93	29	liquidity	liquidity	NOUN
fbem-6227	93	30	measure	measure	NOUN
fbem-6227	93	31	(	(	PUNCT
fbem-6227	93	32	ldr	ldr	PROPN
fbem-6227	93	33	)	)	PUNCT
fbem-6227	93	34	.	.	PUNCT
fbem-6227	94	1	i	i	NUM
fbem-6227	94	2	solid	solid	ADJ
fbem-6227	94	3	effect	effect	NOUN
fbem-6227	94	4	for	for	ADP
fbem-6227	94	5	individual	individual	ADJ
fbem-6227	94	6	level	level	NOUN
fbem-6227	94	7	,	,	PUNCT
fbem-6227	94	8	i	i	PRON
fbem-6227	94	9	solid	solid	ADJ
fbem-6227	94	10	effect	effect	NOUN
fbem-6227	94	11	of	of	ADP
fbem-6227	94	12	time	time	NOUN
fbem-6227	94	13	,	,	PUNCT
fbem-6227	94	14	,	,	PUNCT
fbem-6227	94	15	i	i	PRON
fbem-6227	94	16	t	t	PROPN
fbem-6227	94	17	said	say	VERB
fbem-6227	94	18	random	random	ADJ
fbem-6227	94	19	error	error	NOUN
fbem-6227	94	20	term	term	NOUN
fbem-6227	94	21	.	.	PUNCT
fbem-6227	95	1	270	270	NUM
fbem-6227	95	2	4	4	NUM
fbem-6227	95	3	.	.	PUNCT
fbem-6227	95	4	empirical	empirical	ADJ
fbem-6227	95	5	tests	test	NOUN
fbem-6227	95	6	4.1	4.1	NUM
fbem-6227	95	7	.	.	PUNCT
fbem-6227	96	1	baseline	baseline	PROPN
fbem-6227	96	2	regression	regression	NOUN
fbem-6227	96	3	results	result	NOUN
fbem-6227	96	4	successive	successive	ADJ
fbem-6227	96	5	estimations	estimation	NOUN
fbem-6227	96	6	using	use	VERB
fbem-6227	96	7	the	the	DET
fbem-6227	96	8	in	in	ADP
fbem-6227	96	9	-	-	PUNCT
fbem-6227	96	10	group	group	NOUN
fbem-6227	96	11	estimator	estimator	NOUN
fbem-6227	96	12	,	,	PUNCT
fbem-6227	96	13	lsdv	lsdv	NOUN
fbem-6227	96	14	test	test	NOUN
fbem-6227	96	15	,	,	PUNCT
fbem-6227	96	16	and	and	CCONJ
fbem-6227	96	17	hausman	hausman	PROPN
fbem-6227	96	18	test	test	NOUN
fbem-6227	96	19	were	be	AUX
fbem-6227	96	20	performed	perform	VERB
fbem-6227	96	21	for	for	ADP
fbem-6227	96	22	the	the	DET
fbem-6227	96	23	regression	regression	NOUN
fbem-6227	96	24	model	model	NOUN
fbem-6227	96	25	,	,	PUNCT
fbem-6227	96	26	with	with	ADP
fbem-6227	96	27	the	the	DET
fbem-6227	96	28	final	final	ADJ
fbem-6227	96	29	regression	regression	NOUN
fbem-6227	96	30	estimation	estimation	NOUN
fbem-6227	96	31	conducted	conduct	VERB
fbem-6227	96	32	using	use	VERB
fbem-6227	96	33	the	the	DET
fbem-6227	96	34	bidirectional	bidirectional	ADJ
fbem-6227	96	35	fixed	fix	VERB
fbem-6227	96	36	effect	effect	NOUN
fbem-6227	96	37	model	model	NOUN
fbem-6227	96	38	.	.	PUNCT
fbem-6227	97	1	the	the	DET
fbem-6227	97	2	table	table	NOUN
fbem-6227	97	3	below	below	ADP
fbem-6227	97	4	presents	present	VERB
fbem-6227	97	5	the	the	DET
fbem-6227	97	6	regression	regression	NOUN
fbem-6227	97	7	results	result	NOUN
fbem-6227	97	8	for	for	ADP
fbem-6227	97	9	non	non	ADJ
fbem-6227	97	10	-	-	ADJ
fbem-6227	97	11	performing	performing	ADJ
fbem-6227	97	12	loan	loan	NOUN
fbem-6227	97	13	ratio	ratio	NOUN
fbem-6227	97	14	(	(	PUNCT
fbem-6227	97	15	npl	npl	PROPN
fbem-6227	97	16	)	)	PUNCT
fbem-6227	97	17	,	,	PUNCT
fbem-6227	97	18	risk	risk	NOUN
fbem-6227	97	19	-	-	PUNCT
fbem-6227	97	20	weighted	weight	VERB
fbem-6227	97	21	return	return	NOUN
fbem-6227	97	22	rate	rate	NOUN
fbem-6227	97	23	(	(	PUNCT
fbem-6227	97	24	rorwa	rorwa	NOUN
fbem-6227	97	25	)	)	PUNCT
fbem-6227	97	26	,	,	PUNCT
fbem-6227	97	27	and	and	CCONJ
fbem-6227	97	28	net	net	ADJ
fbem-6227	97	29	interest	interest	NOUN
fbem-6227	97	30	margin	margin	NOUN
fbem-6227	97	31	(	(	PUNCT
fbem-6227	97	32	nii	nii	PROPN
fbem-6227	97	33	)	)	PUNCT
fbem-6227	97	34	,	,	PUNCT
fbem-6227	97	35	respectively	respectively	ADV
fbem-6227	97	36	.	.	PUNCT
fbem-6227	97	37	table	table	NOUN
fbem-6227	97	38	4	4	NUM
fbem-6227	97	39	.	.	PUNCT
fbem-6227	98	1	regression	regression	NOUN
fbem-6227	98	2	results	result	NOUN
fbem-6227	98	3	explained	explain	VERB
fbem-6227	98	4	explanatory	explanatory	ADJ
fbem-6227	98	5	npl	npl	PROPN
fbem-6227	98	6	rorwa	rorwa	PROPN
fbem-6227	98	7	nii	nii	PROPN
fbem-6227	98	8	fintech	fintech	PROPN
fbem-6227	98	9	-0.00209	-0.00209	NOUN
fbem-6227	98	10	*	*	PUNCT
fbem-6227	98	11	*	*	PUNCT
fbem-6227	98	12	(	(	PUNCT
fbem-6227	98	13	0.000917	0.000917	NUM
fbem-6227	98	14	)	)	PUNCT
fbem-6227	98	15	-0.0446	-0.0446	NOUN
fbem-6227	99	1	*	*	PUNCT
fbem-6227	99	2	*	*	PUNCT
fbem-6227	99	3	(	(	PUNCT
fbem-6227	99	4	0.0193	0.0193	NUM
fbem-6227	99	5	)	)	PUNCT
fbem-6227	99	6	0.00237	0.00237	NUM
fbem-6227	100	1	*	*	PUNCT
fbem-6227	100	2	*	*	PUNCT
fbem-6227	100	3	(	(	PUNCT
fbem-6227	100	4	0.000898	0.000898	NUM
fbem-6227	100	5	)	)	PUNCT
fbem-6227	100	6	control	control	NOUN
fbem-6227	100	7	variable	variable	ADJ
fbem-6227	100	8	size	size	NOUN
fbem-6227	100	9	0.0142	0.0142	NUM
fbem-6227	100	10	(	(	PUNCT
fbem-6227	100	11	0.130	0.130	NUM
fbem-6227	100	12	)	)	PUNCT
fbem-6227	100	13	2.417	2.417	NUM
fbem-6227	100	14	*	*	PUNCT
fbem-6227	100	15	*	*	PUNCT
fbem-6227	100	16	*	*	PUNCT
fbem-6227	100	17	(	(	PUNCT
fbem-6227	100	18	0.465	0.465	NUM
fbem-6227	100	19	)	)	PUNCT
fbem-6227	100	20	-0.238	-0.238	NUM
fbem-6227	100	21	(	(	PUNCT
fbem-6227	100	22	0.211	0.211	NUM
fbem-6227	100	23	)	)	PUNCT
fbem-6227	100	24	cir	cir	NOUN
fbem-6227	100	25	-0.00743	-0.00743	PROPN
fbem-6227	100	26	(	(	PUNCT
fbem-6227	100	27	0.0120	0.0120	NUM
fbem-6227	100	28	)	)	PUNCT
fbem-6227	100	29	-0.0648	-0.0648	PROPN
fbem-6227	100	30	(	(	PUNCT
fbem-6227	100	31	0.124	0.124	NUM
fbem-6227	100	32	)	)	PUNCT
fbem-6227	100	33	-0.0256	-0.0256	PUNCT
fbem-6227	101	1	*	*	PUNCT
fbem-6227	101	2	*	*	PUNCT
fbem-6227	101	3	(	(	PUNCT
fbem-6227	101	4	0.0116	0.0116	NUM
fbem-6227	101	5	)	)	PUNCT
fbem-6227	101	6	ldr	ldr	NOUN
fbem-6227	101	7	-0.000232	-0.000232	NOUN
fbem-6227	101	8	(	(	PUNCT
fbem-6227	101	9	0.00551	0.00551	NUM
fbem-6227	101	10	)	)	PUNCT
fbem-6227	101	11	-0.0872	-0.0872	NOUN
fbem-6227	102	1	*	*	PUNCT
fbem-6227	102	2	*	*	PUNCT
fbem-6227	102	3	(	(	PUNCT
fbem-6227	102	4	0.0408	0.0408	NUM
fbem-6227	102	5	)	)	PUNCT
fbem-6227	102	6	0.00515	0.00515	NUM
fbem-6227	102	7	*	*	SYM
fbem-6227	102	8	(	(	PUNCT
fbem-6227	102	9	0.00275	0.00275	NUM
fbem-6227	102	10	)	)	PUNCT
fbem-6227	102	11	car	car	NOUN
fbem-6227	102	12	-0.0137	-0.0137	NOUN
fbem-6227	102	13	(	(	PUNCT
fbem-6227	102	14	0.0253	0.0253	NUM
fbem-6227	102	15	)	)	PUNCT
fbem-6227	102	16	1.154	1.154	NUM
fbem-6227	102	17	*	*	PUNCT
fbem-6227	102	18	*	*	PUNCT
fbem-6227	102	19	*	*	PUNCT
fbem-6227	102	20	(	(	PUNCT
fbem-6227	102	21	0.295	0.295	NUM
fbem-6227	102	22	)	)	PUNCT
fbem-6227	102	23	0.0189	0.0189	NUM
fbem-6227	102	24	(	(	PUNCT
fbem-6227	102	25	0.0178	0.0178	NUM
fbem-6227	102	26	)	)	PUNCT
fbem-6227	102	27	gdp	gdp	NOUN
fbem-6227	102	28	-0.0378	-0.0378	NOUN
fbem-6227	102	29	*	*	PUNCT
fbem-6227	103	1	*	*	PUNCT
fbem-6227	103	2	*	*	PUNCT
fbem-6227	103	3	(	(	PUNCT
fbem-6227	103	4	0.0102	0.0102	NUM
fbem-6227	103	5	)	)	PUNCT
fbem-6227	103	6	0.482	0.482	NUM
fbem-6227	103	7	*	*	SYM
fbem-6227	103	8	(	(	PUNCT
fbem-6227	103	9	0.275	0.275	NUM
fbem-6227	103	10	)	)	PUNCT
fbem-6227	103	11	0.0399	0.0399	NUM
fbem-6227	103	12	(	(	PUNCT
fbem-6227	103	13	0.0263	0.0263	NUM
fbem-6227	103	14	)	)	PUNCT
fbem-6227	103	15	cpi	cpi	NOUN
fbem-6227	103	16	-0.119	-0.119	PUNCT
fbem-6227	103	17	*	*	PUNCT
fbem-6227	103	18	*	*	PUNCT
fbem-6227	103	19	*	*	PUNCT
fbem-6227	103	20	(	(	PUNCT
fbem-6227	103	21	0.0218	0.0218	NUM
fbem-6227	103	22	)	)	PUNCT
fbem-6227	103	23	0.798	0.798	NUM
fbem-6227	103	24	(	(	PUNCT
fbem-6227	103	25	0.523	0.523	NUM
fbem-6227	103	26	)	)	PUNCT
fbem-6227	103	27	0.195	0.195	NUM
fbem-6227	103	28	*	*	PUNCT
fbem-6227	103	29	(	(	PUNCT
fbem-6227	103	30	0.107	0.107	NUM
fbem-6227	103	31	)	)	PUNCT
fbem-6227	103	32	constant	constant	ADJ
fbem-6227	103	33	-73.01	-73.01	NOUN
fbem-6227	103	34	*	*	NOUN
fbem-6227	103	35	*	*	PUNCT
fbem-6227	103	36	*	*	PUNCT
fbem-6227	103	37	(	(	PUNCT
fbem-6227	103	38	13.89	13.89	NUM
fbem-6227	103	39	)	)	PUNCT
fbem-6227	103	40	-73.14	-73.14	NOUN
fbem-6227	103	41	*	*	PUNCT
fbem-6227	103	42	*	*	PUNCT
fbem-6227	103	43	*	*	PUNCT
fbem-6227	103	44	(	(	PUNCT
fbem-6227	103	45	13.97	13.97	NUM
fbem-6227	103	46	)	)	PUNCT
fbem-6227	103	47	8.166	8.166	NUM
fbem-6227	103	48	(	(	PUNCT
fbem-6227	103	49	6.478	6.478	NUM
fbem-6227	103	50	)	)	PUNCT
fbem-6227	103	51	bank	bank	PROPN
fbem-6227	103	52	fe	fe	PROPN
fbem-6227	103	53	control	control	PROPN
fbem-6227	103	54	control	control	PROPN
fbem-6227	103	55	control	control	PROPN
fbem-6227	103	56	year	year	PROPN
fbem-6227	103	57	fe	fe	PROPN
fbem-6227	103	58	control	control	PROPN
fbem-6227	103	59	control	control	PROPN
fbem-6227	103	60	control	control	PROPN
fbem-6227	103	61	n	n	ADP
fbem-6227	103	62	322	322	NUM
fbem-6227	103	63	322	322	NUM
fbem-6227	103	64	322	322	NUM
fbem-6227	103	65	adjust	adjust	VERB
fbem-6227	103	66	2r	2r	NUM
fbem-6227	103	67	0.271	0.271	NUM
fbem-6227	103	68	0.153	0.153	NUM
fbem-6227	103	69	0.643	0.643	NUM
fbem-6227	103	70	the	the	DET
fbem-6227	103	71	regression	regression	NOUN
fbem-6227	103	72	model	model	NOUN
fbem-6227	103	73	for	for	ADP
fbem-6227	103	74	non	non	ADJ
fbem-6227	103	75	-	-	ADJ
fbem-6227	103	76	performing	performing	ADJ
fbem-6227	103	77	loan	loan	NOUN
fbem-6227	103	78	ratio	ratio	NOUN
fbem-6227	103	79	(	(	PUNCT
fbem-6227	103	80	npl	npl	PROPN
fbem-6227	103	81	)	)	PUNCT
fbem-6227	103	82	showed	show	VERB
fbem-6227	103	83	a	a	DET
fbem-6227	103	84	statistically	statistically	ADV
fbem-6227	103	85	significant	significant	ADJ
fbem-6227	103	86	negative	negative	ADJ
fbem-6227	103	87	correlation	correlation	NOUN
fbem-6227	103	88	with	with	ADP
fbem-6227	103	89	the	the	DET
fbem-6227	103	90	fintech	fintech	NOUN
fbem-6227	103	91	development	development	NOUN
fbem-6227	103	92	coefficient	coefficient	NOUN
fbem-6227	103	93	at	at	ADP
fbem-6227	103	94	the	the	DET
fbem-6227	103	95	5	5	NUM
fbem-6227	103	96	%	%	NOUN
fbem-6227	103	97	significance	significance	NOUN
fbem-6227	103	98	level	level	NOUN
fbem-6227	103	99	.	.	PUNCT
fbem-6227	104	1	specifically	specifically	ADV
fbem-6227	104	2	,	,	PUNCT
fbem-6227	104	3	when	when	SCONJ
fbem-6227	104	4	the	the	DET
fbem-6227	104	5	fintech	fintech	NOUN
fbem-6227	104	6	level	level	NOUN
fbem-6227	104	7	increases	increase	NOUN
fbem-6227	104	8	by	by	ADP
fbem-6227	104	9	1	1	NUM
fbem-6227	104	10	%	%	NOUN
fbem-6227	104	11	,	,	PUNCT
fbem-6227	104	12	the	the	DET
fbem-6227	104	13	nonperforming	nonperforme	VERB
fbem-6227	104	14	loan	loan	NOUN
fbem-6227	104	15	ratio	ratio	NOUN
fbem-6227	104	16	decreases	decrease	NOUN
fbem-6227	104	17	by	by	ADP
fbem-6227	104	18	0.0142	0.0142	NUM
fbem-6227	104	19	%	%	NOUN
fbem-6227	104	20	,	,	PUNCT
fbem-6227	104	21	indicating	indicate	VERB
fbem-6227	104	22	a	a	DET
fbem-6227	104	23	significant	significant	ADJ
fbem-6227	104	24	effect.additionally	effect.additionally	ADV
fbem-6227	104	25	,	,	PUNCT
fbem-6227	104	26	the	the	DET
fbem-6227	104	27	inclusion	inclusion	NOUN
fbem-6227	104	28	of	of	ADP
fbem-6227	104	29	control	control	NOUN
fbem-6227	104	30	variables	variable	NOUN
fbem-6227	104	31	revealed	reveal	VERB
fbem-6227	104	32	that	that	SCONJ
fbem-6227	104	33	aside	aside	ADV
fbem-6227	104	34	from	from	ADP
fbem-6227	104	35	the	the	DET
fbem-6227	104	36	negative	negative	ADJ
fbem-6227	104	37	correlation	correlation	NOUN
fbem-6227	104	38	between	between	ADP
fbem-6227	104	39	fintech	fintech	NOUN
fbem-6227	104	40	level	level	NOUN
fbem-6227	104	41	and	and	CCONJ
fbem-6227	104	42	npl	npl	NOUN
fbem-6227	104	43	,	,	PUNCT
fbem-6227	104	44	both	both	DET
fbem-6227	104	45	gdp	gdp	NOUN
fbem-6227	104	46	and	and	CCONJ
fbem-6227	104	47	consumer	consumer	NOUN
fbem-6227	104	48	price	price	NOUN
fbem-6227	104	49	index	index	NOUN
fbem-6227	104	50	have	have	VERB
fbem-6227	104	51	significant	significant	ADJ
fbem-6227	104	52	impacts	impact	NOUN
fbem-6227	104	53	.	.	PUNCT
fbem-6227	105	1	this	this	PRON
fbem-6227	105	2	may	may	AUX
fbem-6227	105	3	be	be	AUX
fbem-6227	105	4	due	due	ADJ
fbem-6227	105	5	to	to	ADP
fbem-6227	105	6	the	the	DET
fbem-6227	105	7	fact	fact	NOUN
fbem-6227	105	8	that	that	SCONJ
fbem-6227	105	9	a	a	DET
fbem-6227	105	10	healthier	healthy	ADJ
fbem-6227	105	11	real	real	ADJ
fbem-6227	105	12	economy	economy	NOUN
fbem-6227	105	13	,	,	PUNCT
fbem-6227	105	14	with	with	ADP
fbem-6227	105	15	faster	fast	ADJ
fbem-6227	105	16	growth	growth	NOUN
fbem-6227	105	17	rates	rate	NOUN
fbem-6227	105	18	,	,	PUNCT
fbem-6227	105	19	generates	generate	VERB
fbem-6227	105	20	fewer	few	ADJ
fbem-6227	105	21	bad	bad	ADJ
fbem-6227	105	22	debts	debt	NOUN
fbem-6227	105	23	for	for	ADP
fbem-6227	105	24	banks	bank	NOUN
fbem-6227	105	25	,	,	PUNCT
fbem-6227	105	26	thereby	thereby	ADV
fbem-6227	105	27	effectively	effectively	ADV
fbem-6227	105	28	reducing	reduce	VERB
fbem-6227	105	29	their	their	PRON
fbem-6227	105	30	non	non	ADJ
fbem-6227	105	31	-	-	ADJ
fbem-6227	105	32	performing	performing	ADJ
fbem-6227	105	33	loan	loan	NOUN
fbem-6227	105	34	ratio	ratio	NOUN
fbem-6227	105	35	.	.	PUNCT
fbem-6227	106	1	the	the	DET
fbem-6227	106	2	regression	regression	NOUN
fbem-6227	106	3	model	model	NOUN
fbem-6227	106	4	for	for	ADP
fbem-6227	106	5	risk	risk	NOUN
fbem-6227	106	6	-	-	PUNCT
fbem-6227	106	7	weighted	weight	VERB
fbem-6227	106	8	return	return	NOUN
fbem-6227	106	9	rate	rate	NOUN
fbem-6227	106	10	(	(	PUNCT
fbem-6227	106	11	rorwa	rorwa	NOUN
fbem-6227	106	12	)	)	PUNCT
fbem-6227	106	13	also	also	ADV
fbem-6227	106	14	revealed	reveal	VERB
fbem-6227	106	15	a	a	DET
fbem-6227	106	16	statistically	statistically	ADV
fbem-6227	106	17	significant	significant	ADJ
fbem-6227	106	18	negative	negative	ADJ
fbem-6227	106	19	correlation	correlation	NOUN
fbem-6227	106	20	with	with	ADP
fbem-6227	106	21	the	the	DET
fbem-6227	106	22	fintech	fintech	NOUN
fbem-6227	106	23	development	development	NOUN
fbem-6227	106	24	level	level	NOUN
fbem-6227	106	25	index	index	NOUN
fbem-6227	106	26	at	at	ADP
fbem-6227	106	27	the	the	DET
fbem-6227	106	28	5	5	NUM
fbem-6227	106	29	%	%	NOUN
fbem-6227	106	30	significance	significance	NOUN
fbem-6227	106	31	level	level	NOUN
fbem-6227	106	32	.	.	PUNCT
fbem-6227	107	1	specifically	specifically	ADV
fbem-6227	107	2	,	,	PUNCT
fbem-6227	107	3	when	when	SCONJ
fbem-6227	107	4	the	the	DET
fbem-6227	107	5	fintech	fintech	NOUN
fbem-6227	107	6	level	level	NOUN
fbem-6227	107	7	increases	increase	NOUN
fbem-6227	107	8	by	by	ADP
fbem-6227	107	9	1	1	NUM
fbem-6227	107	10	%	%	NOUN
fbem-6227	107	11	,	,	PUNCT
fbem-6227	107	12	the	the	DET
fbem-6227	107	13	non	non	ADJ
fbem-6227	107	14	-	-	ADJ
fbem-6227	107	15	performing	perform	VERB
fbem-6227	107	16	loan	loan	NOUN
fbem-6227	107	17	ratio	ratio	NOUN
fbem-6227	107	18	decreases	decrease	NOUN
fbem-6227	107	19	by	by	ADP
fbem-6227	107	20	0.0446	0.0446	NUM
fbem-6227	107	21	%	%	NOUN
fbem-6227	107	22	,	,	PUNCT
fbem-6227	107	23	which	which	PRON
fbem-6227	107	24	has	have	VERB
fbem-6227	107	25	a	a	DET
fbem-6227	107	26	significant	significant	ADJ
fbem-6227	107	27	effect	effect	NOUN
fbem-6227	107	28	.	.	PUNCT
fbem-6227	108	1	the	the	DET
fbem-6227	108	2	control	control	ADJ
fbem-6227	108	3	variable	variable	ADJ
fbem-6227	108	4	size	size	NOUN
fbem-6227	108	5	was	be	AUX
fbem-6227	108	6	found	find	VERB
fbem-6227	108	7	to	to	PART
fbem-6227	108	8	have	have	VERB
fbem-6227	108	9	a	a	DET
fbem-6227	108	10	significant	significant	ADJ
fbem-6227	108	11	impact	impact	NOUN
fbem-6227	108	12	on	on	ADP
fbem-6227	108	13	the	the	DET
fbem-6227	108	14	nonperforming	nonperforme	VERB
fbem-6227	108	15	loan	loan	NOUN
fbem-6227	108	16	ratio	ratio	NOUN
fbem-6227	108	17	,	,	PUNCT
fbem-6227	108	18	likely	likely	ADJ
fbem-6227	108	19	due	due	ADP
fbem-6227	108	20	to	to	ADP
fbem-6227	108	21	the	the	DET
fbem-6227	108	22	close	close	ADJ
fbem-6227	108	23	relationship	relationship	NOUN
fbem-6227	108	24	between	between	ADP
fbem-6227	108	25	weighted	weight	VERB
fbem-6227	108	26	risk	risk	NOUN
fbem-6227	108	27	assets	asset	NOUN
fbem-6227	108	28	and	and	CCONJ
fbem-6227	108	29	total	total	ADJ
fbem-6227	108	30	assets	asset	NOUN
fbem-6227	108	31	of	of	ADP
fbem-6227	108	32	banks	bank	NOUN
fbem-6227	108	33	.	.	PUNCT
fbem-6227	109	1	however	however	ADV
fbem-6227	109	2	,	,	PUNCT
fbem-6227	109	3	the	the	DET
fbem-6227	109	4	regression	regression	NOUN
fbem-6227	109	5	analysis	analysis	NOUN
fbem-6227	109	6	of	of	ADP
fbem-6227	109	7	net	net	ADJ
fbem-6227	109	8	interest	interest	NOUN
fbem-6227	109	9	margin	margin	NOUN
fbem-6227	109	10	(	(	PUNCT
fbem-6227	109	11	nii	nii	PROPN
fbem-6227	109	12	)	)	PUNCT
fbem-6227	109	13	showed	show	VERB
fbem-6227	109	14	a	a	DET
fbem-6227	109	15	significant	significant	ADJ
fbem-6227	109	16	negative	negative	ADJ
fbem-6227	109	17	relationship	relationship	NOUN
fbem-6227	109	18	with	with	ADP
fbem-6227	109	19	the	the	DET
fbem-6227	109	20	fintech	fintech	NOUN
fbem-6227	109	21	coefficient	coefficient	NOUN
fbem-6227	109	22	at	at	ADP
fbem-6227	109	23	the	the	DET
fbem-6227	109	24	5	5	NUM
fbem-6227	109	25	%	%	NOUN
fbem-6227	109	26	level	level	NOUN
fbem-6227	109	27	.	.	PUNCT
fbem-6227	110	1	this	this	PRON
fbem-6227	110	2	suggests	suggest	VERB
fbem-6227	110	3	that	that	SCONJ
fbem-6227	110	4	a	a	DET
fbem-6227	110	5	bank	bank	NOUN
fbem-6227	110	6	's	's	PART
fbem-6227	110	7	development	development	NOUN
fbem-6227	110	8	of	of	ADP
fbem-6227	110	9	fintech	fintech	NOUN
fbem-6227	110	10	has	have	VERB
fbem-6227	110	11	a	a	DET
fbem-6227	110	12	negative	negative	ADJ
fbem-6227	110	13	impact	impact	NOUN
fbem-6227	110	14	on	on	ADP
fbem-6227	110	15	its	its	PRON
fbem-6227	110	16	net	net	ADJ
fbem-6227	110	17	interest	interest	NOUN
fbem-6227	110	18	margin	margin	NOUN
fbem-6227	110	19	,	,	PUNCT
fbem-6227	110	20	with	with	ADP
fbem-6227	110	21	every	every	DET
fbem-6227	110	22	10	10	NUM
fbem-6227	110	23	%	%	NOUN
fbem-6227	110	24	increase	increase	NOUN
fbem-6227	110	25	in	in	ADP
fbem-6227	110	26	fintech	fintech	NOUN
fbem-6227	110	27	level	level	NOUN
fbem-6227	110	28	leading	lead	VERB
fbem-6227	110	29	to	to	ADP
fbem-6227	110	30	a	a	DET
fbem-6227	110	31	0.0237	0.0237	NUM
fbem-6227	110	32	%	%	NOUN
fbem-6227	110	33	increase	increase	NOUN
fbem-6227	110	34	in	in	ADP
fbem-6227	110	35	net	net	ADJ
fbem-6227	110	36	interest	interest	NOUN
fbem-6227	110	37	margin	margin	NOUN
fbem-6227	110	38	.	.	PUNCT
fbem-6227	111	1	despite	despite	SCONJ
fbem-6227	111	2	this	this	DET
fbem-6227	111	3	negative	negative	ADJ
fbem-6227	111	4	correlation	correlation	NOUN
fbem-6227	111	5	,	,	PUNCT
fbem-6227	111	6	the	the	DET
fbem-6227	111	7	development	development	NOUN
fbem-6227	111	8	of	of	ADP
fbem-6227	111	9	fintech	fintech	NOUN
fbem-6227	111	10	can	can	AUX
fbem-6227	111	11	significantly	significantly	ADV
fbem-6227	111	12	improve	improve	VERB
fbem-6227	111	13	a	a	DET
fbem-6227	111	14	bank	bank	NOUN
fbem-6227	111	15	's	's	PART
fbem-6227	111	16	profitability	profitability	NOUN
fbem-6227	111	17	.	.	PUNCT
fbem-6227	112	1	4.2	4.2	NUM
fbem-6227	112	2	.	.	PUNCT
fbem-6227	112	3	endogeneity	endogeneity	NOUN
fbem-6227	112	4	test	test	NOUN
fbem-6227	112	5	there	there	PRON
fbem-6227	112	6	may	may	AUX
fbem-6227	112	7	be	be	AUX
fbem-6227	112	8	a	a	DET
fbem-6227	112	9	positive	positive	ADJ
fbem-6227	112	10	causal	causal	ADJ
fbem-6227	112	11	relationship	relationship	NOUN
fbem-6227	112	12	between	between	ADP
fbem-6227	112	13	the	the	DET
fbem-6227	112	14	development	development	NOUN
fbem-6227	112	15	level	level	NOUN
fbem-6227	112	16	of	of	ADP
fbem-6227	112	17	fintech	fintech	NOUN
fbem-6227	112	18	in	in	ADP
fbem-6227	112	19	banks	bank	NOUN
fbem-6227	112	20	,	,	PUNCT
fbem-6227	112	21	the	the	DET
fbem-6227	112	22	number	number	NOUN
fbem-6227	112	23	of	of	ADP
fbem-6227	112	24	employees	employee	NOUN
fbem-6227	112	25	,	,	PUNCT
fbem-6227	112	26	and	and	CCONJ
fbem-6227	112	27	the	the	DET
fbem-6227	112	28	average	average	ADJ
fbem-6227	112	29	salary	salary	NOUN
fbem-6227	112	30	,	,	PUNCT
fbem-6227	112	31	leading	lead	VERB
fbem-6227	112	32	to	to	ADP
fbem-6227	112	33	endogenous	endogenous	ADJ
fbem-6227	112	34	problems	problem	NOUN
fbem-6227	112	35	.	.	PUNCT
fbem-6227	113	1	therefore	therefore	ADV
fbem-6227	113	2	,	,	PUNCT
fbem-6227	113	3	the	the	DET
fbem-6227	113	4	contribution	contribution	NOUN
fbem-6227	113	5	of	of	ADP
fbem-6227	113	6	changes	change	NOUN
fbem-6227	113	7	in	in	ADP
fbem-6227	113	8	the	the	DET
fbem-6227	113	9	number	number	NOUN
fbem-6227	113	10	of	of	ADP
fbem-6227	113	11	employees	employee	NOUN
fbem-6227	113	12	and	and	CCONJ
fbem-6227	113	13	salary	salary	NOUN
fbem-6227	113	14	level	level	NOUN
fbem-6227	113	15	to	to	ADP
fbem-6227	113	16	the	the	DET
fbem-6227	113	17	explained	explain	VERB
fbem-6227	113	18	variables	variable	NOUN
fbem-6227	113	19	is	be	AUX
fbem-6227	113	20	also	also	ADV
fbem-6227	113	21	included	include	VERB
fbem-6227	113	22	in	in	ADP
fbem-6227	113	23	the	the	DET
fbem-6227	113	24	contribution	contribution	NOUN
fbem-6227	113	25	of	of	ADP
fbem-6227	113	26	fintech	fintech	NOUN
fbem-6227	113	27	level	level	NOUN
fbem-6227	113	28	,	,	PUNCT
fbem-6227	113	29	which	which	PRON
fbem-6227	113	30	can	can	AUX
fbem-6227	113	31	overestimate	overestimate	VERB
fbem-6227	113	32	the	the	DET
fbem-6227	113	33	contribution	contribution	NOUN
fbem-6227	113	34	level	level	NOUN
fbem-6227	113	35	of	of	ADP
fbem-6227	113	36	fintech	fintech	NOUN
fbem-6227	113	37	.	.	PUNCT
fbem-6227	114	1	to	to	PART
fbem-6227	114	2	alleviate	alleviate	VERB
fbem-6227	114	3	the	the	DET
fbem-6227	114	4	influence	influence	NOUN
fbem-6227	114	5	of	of	ADP
fbem-6227	114	6	this	this	DET
fbem-6227	114	7	endogenous	endogenous	ADJ
fbem-6227	114	8	problem	problem	NOUN
fbem-6227	114	9	on	on	ADP
fbem-6227	114	10	the	the	DET
fbem-6227	114	11	research	research	NOUN
fbem-6227	114	12	conclusion	conclusion	NOUN
fbem-6227	114	13	,	,	PUNCT
fbem-6227	114	14	the	the	DET
fbem-6227	114	15	instrumental	instrumental	ADJ
fbem-6227	114	16	variable	variable	ADJ
fbem-6227	114	17	method	method	NOUN
fbem-6227	114	18	was	be	AUX
fbem-6227	114	19	used	use	VERB
fbem-6227	114	20	for	for	ADP
fbem-6227	114	21	testing	testing	NOUN
fbem-6227	114	22	.	.	PUNCT
fbem-6227	115	1	since	since	SCONJ
fbem-6227	115	2	there	there	PRON
fbem-6227	115	3	may	may	AUX
fbem-6227	115	4	be	be	AUX
fbem-6227	115	5	a	a	DET
fbem-6227	115	6	measurement	measurement	NOUN
fbem-6227	115	7	error	error	NOUN
fbem-6227	115	8	in	in	ADP
fbem-6227	115	9	the	the	DET
fbem-6227	115	10	variable	variable	ADJ
fbem-6227	115	11	fintech	fintech	NOUN
fbem-6227	115	12	,	,	PUNCT
fbem-6227	115	13	per	per	ADP
fbem-6227	115	14	capita	capita	NOUN
fbem-6227	115	15	salary	salary	NOUN
fbem-6227	115	16	and	and	CCONJ
fbem-6227	115	17	total	total	ADJ
fbem-6227	115	18	staff	staff	NOUN
fbem-6227	115	19	were	be	AUX
fbem-6227	115	20	considered	consider	VERB
fbem-6227	115	21	as	as	ADP
fbem-6227	115	22	instrumental	instrumental	ADJ
fbem-6227	115	23	variables	variable	NOUN
fbem-6227	115	24	of	of	ADP
fbem-6227	115	25	fintech	fintech	NOUN
fbem-6227	115	26	to	to	PART
fbem-6227	115	27	perform	perform	VERB
fbem-6227	115	28	2sls	2sls	NUM
fbem-6227	115	29	regression	regression	NOUN
fbem-6227	115	30	,	,	PUNCT
fbem-6227	115	31	and	and	CCONJ
fbem-6227	115	32	robust	robust	ADJ
fbem-6227	115	33	standard	standard	ADJ
fbem-6227	115	34	error	error	NOUN
fbem-6227	115	35	was	be	AUX
fbem-6227	115	36	used	use	VERB
fbem-6227	115	37	.	.	PUNCT
fbem-6227	116	1	the	the	DET
fbem-6227	116	2	results	result	NOUN
fbem-6227	116	3	showed	show	VERB
fbem-6227	116	4	that	that	SCONJ
fbem-6227	116	5	all	all	DET
fbem-6227	116	6	variables	variable	NOUN
fbem-6227	116	7	in	in	ADP
fbem-6227	116	8	the	the	DET
fbem-6227	116	9	three	three	NUM
fbem-6227	116	10	regression	regression	NOUN
fbem-6227	116	11	equations	equation	NOUN
fbem-6227	116	12	satisfied	satisfied	ADJ
fbem-6227	116	13	exogeneity	exogeneity	NOUN
fbem-6227	116	14	,	,	PUNCT
fbem-6227	116	15	and	and	CCONJ
fbem-6227	116	16	the	the	DET
fbem-6227	116	17	fintech	fintech	NOUN
fbem-6227	116	18	level	level	NOUN
fbem-6227	116	19	of	of	ADP
fbem-6227	116	20	banks	bank	NOUN
fbem-6227	116	21	still	still	ADV
fbem-6227	116	22	had	have	VERB
fbem-6227	116	23	significant	significant	ADJ
fbem-6227	116	24	negative	negative	ADJ
fbem-6227	116	25	,	,	PUNCT
fbem-6227	116	26	negative	negative	ADJ
fbem-6227	116	27	,	,	PUNCT
fbem-6227	116	28	and	and	CCONJ
fbem-6227	116	29	positive	positive	ADJ
fbem-6227	116	30	influences	influence	NOUN
fbem-6227	116	31	on	on	ADP
fbem-6227	116	32	npl	npl	PROPN
fbem-6227	116	33	,	,	PUNCT
fbem-6227	116	34	rorwa	rorwa	NOUN
fbem-6227	116	35	,	,	PUNCT
fbem-6227	116	36	and	and	CCONJ
fbem-6227	116	37	nii	nii	PROPN
fbem-6227	116	38	,	,	PUNCT
fbem-6227	116	39	respectively	respectively	ADV
fbem-6227	116	40	.	.	PUNCT
fbem-6227	117	1	therefore	therefore	ADV
fbem-6227	117	2	,	,	PUNCT
fbem-6227	117	3	the	the	DET
fbem-6227	117	4	above	above	ADJ
fbem-6227	117	5	conclusion	conclusion	NOUN
fbem-6227	117	6	is	be	AUX
fbem-6227	117	7	robust	robust	ADJ
fbem-6227	117	8	.	.	PUNCT
fbem-6227	118	1	4.3	4.3	NUM
fbem-6227	118	2	.	.	PUNCT
fbem-6227	118	3	robustness	robustness	NOUN
fbem-6227	118	4	test	test	NOUN
fbem-6227	118	5	in	in	ADP
fbem-6227	118	6	order	order	NOUN
fbem-6227	118	7	to	to	PART
fbem-6227	118	8	ensure	ensure	VERB
fbem-6227	118	9	the	the	DET
fbem-6227	118	10	stability	stability	NOUN
fbem-6227	118	11	and	and	CCONJ
fbem-6227	118	12	reliability	reliability	NOUN
fbem-6227	118	13	of	of	ADP
fbem-6227	118	14	the	the	DET
fbem-6227	118	15	above	above	ADJ
fbem-6227	118	16	conclusions	conclusion	NOUN
fbem-6227	118	17	,	,	PUNCT
fbem-6227	118	18	the	the	DET
fbem-6227	118	19	following	follow	VERB
fbem-6227	118	20	robustness	robustness	NOUN
fbem-6227	118	21	tests	test	NOUN
fbem-6227	118	22	will	will	AUX
fbem-6227	118	23	be	be	AUX
fbem-6227	118	24	conducted	conduct	VERB
fbem-6227	118	25	:	:	PUNCT
fbem-6227	118	26	4.3.1	4.3.1	X
fbem-6227	118	27	.	.	PUNCT
fbem-6227	118	28	substitute	substitute	PROPN
fbem-6227	118	29	explained	explain	VERB
fbem-6227	118	30	variables	variable	NOUN
fbem-6227	118	31	"	"	PUNCT
fbem-6227	118	32	profit	profit	NOUN
fbem-6227	118	33	front	front	NOUN
fbem-6227	118	34	,	,	PUNCT
fbem-6227	118	35	risk	risk	NOUN
fbem-6227	118	36	back	back	ADV
fbem-6227	118	37	"	"	PUNCT
fbem-6227	118	38	is	be	AUX
fbem-6227	118	39	a	a	DET
fbem-6227	118	40	major	major	ADJ
fbem-6227	118	41	feature	feature	NOUN
fbem-6227	118	42	of	of	ADP
fbem-6227	118	43	banking	banking	NOUN
fbem-6227	118	44	.	.	PUNCT
fbem-6227	119	1	the	the	DET
fbem-6227	119	2	non	non	ADJ
fbem-6227	119	3	-	-	ADJ
fbem-6227	119	4	performing	perform	VERB
fbem-6227	119	5	loan	loan	NOUN
fbem-6227	119	6	ratio	ratio	NOUN
fbem-6227	119	7	is	be	AUX
fbem-6227	119	8	a	a	DET
fbem-6227	119	9	variable	variable	NOUN
fbem-6227	119	10	that	that	PRON
fbem-6227	119	11	represents	represent	VERB
fbem-6227	119	12	the	the	DET
fbem-6227	119	13	stock	stock	NOUN
fbem-6227	119	14	of	of	ADP
fbem-6227	119	15	non	non	ADJ
fbem-6227	119	16	-	-	ADJ
fbem-6227	119	17	performing	perform	VERB
fbem-6227	119	18	assets	asset	NOUN
fbem-6227	119	19	at	at	ADP
fbem-6227	119	20	a	a	DET
fbem-6227	119	21	certain	certain	ADJ
fbem-6227	119	22	point	point	NOUN
fbem-6227	119	23	in	in	ADP
fbem-6227	119	24	time.inspired	time.inspire	VERB
fbem-6227	119	25	by	by	ADP
fbem-6227	119	26	delis	deli	NOUN
fbem-6227	119	27	and	and	CCONJ
fbem-6227	119	28	kouretas(2011)[14	kouretas(2011)[14	NUM
fbem-6227	119	29	]	]	PUNCT
fbem-6227	119	30	and	and	CCONJ
fbem-6227	119	31	jin	jin	PROPN
fbem-6227	119	32	penghui	penghui	PROPN
fbem-6227	119	33	et	et	PROPN
fbem-6227	119	34	al	al	PROPN
fbem-6227	119	35	.	.	PROPN
fbem-6227	120	1	(	(	PUNCT
fbem-6227	120	2	2014)[12	2014)[12	NOUN
fbem-6227	120	3	]	]	X
fbem-6227	120	4	,	,	PUNCT
fbem-6227	120	5	this	this	DET
fbem-6227	120	6	paper	paper	NOUN
fbem-6227	120	7	chooses	choose	VERB
fbem-6227	120	8	the	the	DET
fbem-6227	120	9	ratio	ratio	NOUN
fbem-6227	120	10	of	of	ADP
fbem-6227	120	11	risk	risk	NOUN
fbem-6227	120	12	271	271	NUM
fbem-6227	120	13	weighted	weight	VERB
fbem-6227	120	14	assets	asset	NOUN
fbem-6227	120	15	to	to	PART
fbem-6227	120	16	total	total	VERB
fbem-6227	120	17	assets	asset	NOUN
fbem-6227	120	18	as	as	ADP
fbem-6227	120	19	an	an	DET
fbem-6227	120	20	indicator	indicator	NOUN
fbem-6227	120	21	of	of	ADP
fbem-6227	120	22	bank	bank	NOUN
fbem-6227	120	23	risk	risk	NOUN
fbem-6227	120	24	taking	taking	NOUN
fbem-6227	120	25	.	.	PUNCT
fbem-6227	121	1	additionally	additionally	ADV
fbem-6227	121	2	,	,	PUNCT
fbem-6227	121	3	the	the	DET
fbem-6227	121	4	non	non	ADJ
fbem-6227	121	5	-	-	ADJ
fbem-6227	121	6	performing	perform	VERB
fbem-6227	121	7	loan	loan	NOUN
fbem-6227	121	8	ratio	ratio	NOUN
fbem-6227	121	9	(	(	PUNCT
fbem-6227	121	10	npl	npl	NOUN
fbem-6227	121	11	)	)	PUNCT
fbem-6227	121	12	=	=	PUNCT
fbem-6227	121	13	(	(	PUNCT
fbem-6227	121	14	non	non	ADJ
fbem-6227	121	15	-	-	ADJ
fbem-6227	121	16	performing	performing	ADJ
fbem-6227	121	17	loans	loan	NOUN
fbem-6227	121	18	/	/	SYM
fbem-6227	121	19	total	total	ADJ
fbem-6227	121	20	loan	loan	NOUN
fbem-6227	121	21	balance	balance	NOUN
fbem-6227	121	22	)	)	PUNCT
fbem-6227	121	23	is	be	AUX
fbem-6227	121	24	further	far	ADV
fbem-6227	121	25	optimized	optimize	VERB
fbem-6227	121	26	to	to	ADP
fbem-6227	121	27	the	the	DET
fbem-6227	121	28	non	non	ADJ
fbem-6227	121	29	-	-	ADJ
fbem-6227	121	30	performing	perform	VERB
fbem-6227	121	31	loan	loan	NOUN
fbem-6227	121	32	ratio	ratio	NOUN
fbem-6227	121	33	(	(	PUNCT
fbem-6227	121	34	renpl	renpl	NOUN
fbem-6227	121	35	)	)	PUNCT
fbem-6227	121	36	=	=	SYM
fbem-6227	122	1	(	(	PUNCT
fbem-6227	122	2	nonperforming	nonperforme	VERB
fbem-6227	122	3	loans	loan	NOUN
fbem-6227	122	4	/	/	SYM
fbem-6227	122	5	risk	risk	NOUN
fbem-6227	122	6	-	-	PUNCT
fbem-6227	122	7	weighted	weight	VERB
fbem-6227	122	8	assets	asset	NOUN
fbem-6227	122	9	)	)	PUNCT
fbem-6227	122	10	to	to	PART
fbem-6227	122	11	conduct	conduct	VERB
fbem-6227	122	12	a	a	DET
fbem-6227	122	13	robustness	robustness	NOUN
fbem-6227	122	14	test.the	test.the	DET
fbem-6227	122	15	results	result	NOUN
fbem-6227	122	16	indicte	indicte	VERB
fbem-6227	122	17	that	that	SCONJ
fbem-6227	122	18	the	the	DET
fbem-6227	122	19	development	development	NOUN
fbem-6227	122	20	of	of	ADP
fbem-6227	122	21	fintech	fintech	NOUN
fbem-6227	122	22	by	by	ADP
fbem-6227	122	23	banks	bank	NOUN
fbem-6227	122	24	still	still	ADV
fbem-6227	122	25	has	have	VERB
fbem-6227	122	26	a	a	DET
fbem-6227	122	27	significant	significant	ADJ
fbem-6227	122	28	negative	negative	ADJ
fbem-6227	122	29	impact	impact	NOUN
fbem-6227	122	30	on	on	ADP
fbem-6227	122	31	npl	npl	PROPN
fbem-6227	122	32	under	under	ADP
fbem-6227	122	33	different	different	ADJ
fbem-6227	122	34	measures	measure	NOUN
fbem-6227	122	35	,	,	PUNCT
fbem-6227	122	36	supporting	support	VERB
fbem-6227	122	37	the	the	DET
fbem-6227	122	38	previous	previous	ADJ
fbem-6227	122	39	conclusion	conclusion	NOUN
fbem-6227	122	40	.	.	PUNCT
fbem-6227	123	1	4.3.2	4.3.2	X
fbem-6227	123	2	.	.	PUNCT
fbem-6227	124	1	substitute	substitute	PROPN
fbem-6227	124	2	core	core	PROPN
fbem-6227	124	3	explanatory	explanatory	ADJ
fbem-6227	124	4	variables	variable	NOUN
fbem-6227	124	5	in	in	ADP
fbem-6227	124	6	order	order	NOUN
fbem-6227	124	7	to	to	PART
fbem-6227	124	8	eliminate	eliminate	VERB
fbem-6227	124	9	the	the	DET
fbem-6227	124	10	right	right	ADJ
fbem-6227	124	11	-	-	PUNCT
fbem-6227	124	12	bias	bias	NOUN
fbem-6227	124	13	of	of	ADP
fbem-6227	124	14	data	datum	NOUN
fbem-6227	124	15	,	,	PUNCT
fbem-6227	124	16	the	the	DET
fbem-6227	124	17	bank	bank	NOUN
fbem-6227	124	18	's	's	PART
fbem-6227	124	19	business	business	NOUN
fbem-6227	124	20	and	and	CCONJ
fbem-6227	124	21	management	management	NOUN
fbem-6227	124	22	fee	fee	NOUN
fbem-6227	124	23	are	be	AUX
fbem-6227	124	24	logarithmic	logarithmic	ADJ
fbem-6227	124	25	.	.	PUNCT
fbem-6227	125	1	following	follow	VERB
fbem-6227	125	2	the	the	DET
fbem-6227	125	3	research	research	NOUN
fbem-6227	125	4	of	of	ADP
fbem-6227	125	5	li	li	PROPN
fbem-6227	125	6	chuntao	chuntao	PROPN
fbem-6227	125	7	et	et	PROPN
fbem-6227	125	8	al	al	PROPN
fbem-6227	125	9	.	.	PROPN
fbem-6227	126	1	(	(	PUNCT
fbem-6227	126	2	2020	2020	NUM
fbem-6227	126	3	)	)	PUNCT
fbem-6227	127	1	[	[	X
fbem-6227	127	2	13	13	NUM
fbem-6227	127	3	]	]	PUNCT
fbem-6227	127	4	,	,	PUNCT
fbem-6227	127	5	an	an	DET
fbem-6227	127	6	index	index	NOUN
fbem-6227	127	7	constructed	construct	VERB
fbem-6227	127	8	based	base	VERB
fbem-6227	127	9	on	on	ADP
fbem-6227	127	10	baidu	baidu	NOUN
fbem-6227	127	11	search	search	NOUN
fbem-6227	127	12	is	be	AUX
fbem-6227	127	13	summed	sum	VERB
fbem-6227	127	14	up	up	ADP
fbem-6227	127	15	with	with	ADP
fbem-6227	127	16	the	the	DET
fbem-6227	127	17	logarithmic	logarithmic	ADJ
fbem-6227	127	18	data	datum	NOUN
fbem-6227	127	19	to	to	PART
fbem-6227	127	20	obtain	obtain	VERB
fbem-6227	127	21	a	a	DET
fbem-6227	127	22	more	more	ADV
fbem-6227	127	23	comprehensive	comprehensive	ADJ
fbem-6227	127	24	level	level	NOUN
fbem-6227	127	25	of	of	ADP
fbem-6227	127	26	fintech	fintech	NOUN
fbem-6227	127	27	index	index	NOUN
fbem-6227	127	28	.	.	PUNCT
fbem-6227	128	1	the	the	DET
fbem-6227	128	2	results	result	NOUN
fbem-6227	128	3	show	show	VERB
fbem-6227	128	4	that	that	SCONJ
fbem-6227	128	5	the	the	DET
fbem-6227	128	6	development	development	NOUN
fbem-6227	128	7	of	of	ADP
fbem-6227	128	8	fintech	fintech	NOUN
fbem-6227	128	9	by	by	ADP
fbem-6227	128	10	banks	bank	NOUN
fbem-6227	128	11	has	have	VERB
fbem-6227	128	12	a	a	DET
fbem-6227	128	13	significant	significant	ADJ
fbem-6227	128	14	impact	impact	NOUN
fbem-6227	128	15	on	on	ADP
fbem-6227	128	16	the	the	DET
fbem-6227	128	17	risk	risk	NOUN
fbem-6227	128	18	suppression	suppression	NOUN
fbem-6227	128	19	and	and	CCONJ
fbem-6227	128	20	profitability	profitability	NOUN
fbem-6227	128	21	of	of	ADP
fbem-6227	128	22	banks	bank	NOUN
fbem-6227	128	23	.	.	PUNCT
fbem-6227	129	1	this	this	DET
fbem-6227	129	2	finding	finding	NOUN
fbem-6227	129	3	indicates	indicate	VERB
fbem-6227	129	4	that	that	SCONJ
fbem-6227	129	5	the	the	DET
fbem-6227	129	6	previous	previous	ADJ
fbem-6227	129	7	conclusions	conclusion	NOUN
fbem-6227	129	8	remain	remain	VERB
fbem-6227	129	9	valid	valid	ADJ
fbem-6227	129	10	after	after	ADP
fbem-6227	129	11	replacing	replace	VERB
fbem-6227	129	12	the	the	DET
fbem-6227	129	13	core	core	ADJ
fbem-6227	129	14	explanatory	explanatory	ADJ
fbem-6227	129	15	variables	variable	NOUN
fbem-6227	129	16	.	.	PUNCT
fbem-6227	130	1	5	5	X
fbem-6227	130	2	.	.	X
fbem-6227	130	3	conclusions	conclusion	NOUN
fbem-6227	130	4	and	and	CCONJ
fbem-6227	130	5	suggestions	suggestion	NOUN
fbem-6227	130	6	the	the	DET
fbem-6227	130	7	rapid	rapid	ADJ
fbem-6227	130	8	development	development	NOUN
fbem-6227	130	9	of	of	ADP
fbem-6227	130	10	fintech	fintech	NOUN
fbem-6227	130	11	not	not	PART
fbem-6227	130	12	only	only	ADV
fbem-6227	130	13	optimizes	optimize	VERB
fbem-6227	130	14	the	the	DET
fbem-6227	130	15	allocation	allocation	NOUN
fbem-6227	130	16	of	of	ADP
fbem-6227	130	17	financial	financial	ADJ
fbem-6227	130	18	factor	factor	NOUN
fbem-6227	130	19	markets	market	NOUN
fbem-6227	130	20	,	,	PUNCT
fbem-6227	130	21	but	but	CCONJ
fbem-6227	130	22	also	also	ADV
fbem-6227	130	23	positively	positively	ADV
fbem-6227	130	24	impacts	impact	VERB
fbem-6227	130	25	the	the	DET
fbem-6227	130	26	development	development	NOUN
fbem-6227	130	27	of	of	ADP
fbem-6227	130	28	banks	bank	NOUN
fbem-6227	130	29	.	.	PUNCT
fbem-6227	131	1	it	it	PRON
fbem-6227	131	2	reduces	reduce	VERB
fbem-6227	131	3	the	the	DET
fbem-6227	131	4	nonperforming	nonperforme	VERB
fbem-6227	131	5	loan	loan	NOUN
fbem-6227	131	6	ratio	ratio	NOUN
fbem-6227	131	7	of	of	ADP
fbem-6227	131	8	banks	bank	NOUN
fbem-6227	131	9	and	and	CCONJ
fbem-6227	131	10	improves	improve	VERB
fbem-6227	131	11	their	their	PRON
fbem-6227	131	12	profitability	profitability	NOUN
fbem-6227	131	13	.this	.this	PRON
fbem-6227	131	14	paper	paper	NOUN
fbem-6227	131	15	analyzes	analyze	VERB
fbem-6227	131	16	the	the	DET
fbem-6227	131	17	influence	influence	NOUN
fbem-6227	131	18	of	of	ADP
fbem-6227	131	19	banks	bank	NOUN
fbem-6227	131	20	'	'	PART
fbem-6227	131	21	development	development	NOUN
fbem-6227	131	22	of	of	ADP
fbem-6227	131	23	fintech	fintech	NOUN
fbem-6227	131	24	on	on	ADP
fbem-6227	131	25	their	their	PRON
fbem-6227	131	26	risk	risk	NOUN
fbem-6227	131	27	level	level	NOUN
fbem-6227	131	28	and	and	CCONJ
fbem-6227	131	29	profitability	profitability	NOUN
fbem-6227	131	30	by	by	ADP
fbem-6227	131	31	using	use	VERB
fbem-6227	131	32	data	datum	NOUN
fbem-6227	131	33	from	from	ADP
fbem-6227	131	34	37	37	NUM
fbem-6227	131	35	a	a	DET
fbem-6227	131	36	-	-	PUNCT
fbem-6227	131	37	share	share	NOUN
fbem-6227	131	38	listed	list	VERB
fbem-6227	131	39	banks	bank	NOUN
fbem-6227	131	40	from	from	ADP
fbem-6227	131	41	2010	2010	NUM
fbem-6227	131	42	to	to	ADP
fbem-6227	131	43	2021	2021	NUM
fbem-6227	131	44	.	.	PUNCT
fbem-6227	132	1	the	the	DET
fbem-6227	132	2	bank	bank	PROPN
fbem-6227	132	3	fintech	fintech	NOUN
fbem-6227	132	4	development	development	NOUN
fbem-6227	132	5	level	level	NOUN
fbem-6227	132	6	index	index	NOUN
fbem-6227	132	7	is	be	AUX
fbem-6227	132	8	constructed	construct	VERB
fbem-6227	132	9	using	use	VERB
fbem-6227	132	10	a	a	DET
fbem-6227	132	11	web	web	NOUN
fbem-6227	132	12	crawler	crawler	NOUN
fbem-6227	132	13	and	and	CCONJ
fbem-6227	132	14	text	text	NOUN
fbem-6227	132	15	analysis	analysis	NOUN
fbem-6227	132	16	of	of	ADP
fbem-6227	132	17	annual	annual	ADJ
fbem-6227	132	18	statements.the	statements.the	DET
fbem-6227	132	19	study	study	NOUN
fbem-6227	132	20	reached	reach	VERB
fbem-6227	132	21	the	the	DET
fbem-6227	132	22	following	follow	VERB
fbem-6227	132	23	conclusions	conclusion	NOUN
fbem-6227	132	24	:	:	PUNCT
fbem-6227	132	25	firstly	firstly	ADV
fbem-6227	132	26	,	,	PUNCT
fbem-6227	132	27	the	the	DET
fbem-6227	132	28	development	development	NOUN
fbem-6227	132	29	of	of	ADP
fbem-6227	132	30	fintech	fintech	NOUN
fbem-6227	132	31	can	can	AUX
fbem-6227	132	32	significantly	significantly	ADV
fbem-6227	132	33	reduce	reduce	VERB
fbem-6227	132	34	the	the	DET
fbem-6227	132	35	non	non	ADJ
fbem-6227	132	36	-	-	ADJ
fbem-6227	132	37	performing	performing	ADJ
fbem-6227	132	38	loan	loan	NOUN
fbem-6227	132	39	ratio	ratio	NOUN
fbem-6227	132	40	and	and	CCONJ
fbem-6227	132	41	risk	risk	NOUN
fbem-6227	132	42	level	level	NOUN
fbem-6227	132	43	of	of	ADP
fbem-6227	132	44	banks	bank	NOUN
fbem-6227	132	45	.	.	PUNCT
fbem-6227	133	1	at	at	ADP
fbem-6227	133	2	the	the	DET
fbem-6227	133	3	same	same	ADJ
fbem-6227	133	4	time	time	NOUN
fbem-6227	133	5	,	,	PUNCT
fbem-6227	133	6	it	it	PRON
fbem-6227	133	7	is	be	AUX
fbem-6227	133	8	also	also	ADV
fbem-6227	133	9	significantly	significantly	ADV
fbem-6227	133	10	influenced	influence	VERB
fbem-6227	133	11	by	by	ADP
fbem-6227	133	12	the	the	DET
fbem-6227	133	13	gdp	gdp	NOUN
fbem-6227	133	14	growth	growth	NOUN
fbem-6227	133	15	rate	rate	NOUN
fbem-6227	133	16	of	of	ADP
fbem-6227	133	17	the	the	DET
fbem-6227	133	18	current	current	ADJ
fbem-6227	133	19	year	year	NOUN
fbem-6227	133	20	.	.	PUNCT
fbem-6227	134	1	the	the	PRON
fbem-6227	134	2	higher	high	ADJ
fbem-6227	134	3	the	the	DET
fbem-6227	134	4	gdp	gdp	NOUN
fbem-6227	134	5	growth	growth	NOUN
fbem-6227	134	6	rate	rate	NOUN
fbem-6227	134	7	,	,	PUNCT
fbem-6227	134	8	the	the	PRON
fbem-6227	134	9	lower	low	ADJ
fbem-6227	134	10	the	the	DET
fbem-6227	134	11	non	non	ADJ
fbem-6227	134	12	-	-	ADJ
fbem-6227	134	13	performing	performing	ADJ
fbem-6227	134	14	loan	loan	NOUN
fbem-6227	134	15	ratio	ratio	NOUN
fbem-6227	134	16	.	.	PUNCT
fbem-6227	135	1	secondly	secondly	ADV
fbem-6227	135	2	,	,	PUNCT
fbem-6227	135	3	the	the	DET
fbem-6227	135	4	development	development	NOUN
fbem-6227	135	5	of	of	ADP
fbem-6227	135	6	financial	financial	ADJ
fbem-6227	135	7	technology	technology	NOUN
fbem-6227	135	8	can	can	AUX
fbem-6227	135	9	significantly	significantly	ADV
fbem-6227	135	10	improve	improve	VERB
fbem-6227	135	11	the	the	DET
fbem-6227	135	12	profitability	profitability	NOUN
fbem-6227	135	13	of	of	ADP
fbem-6227	135	14	banks	bank	NOUN
fbem-6227	135	15	,	,	PUNCT
fbem-6227	135	16	that	that	ADV
fbem-6227	135	17	is	is	ADV
fbem-6227	135	18	,	,	PUNCT
fbem-6227	135	19	the	the	DET
fbem-6227	135	20	level	level	NOUN
fbem-6227	135	21	of	of	ADP
fbem-6227	135	22	banks	bank	NOUN
fbem-6227	135	23	'	'	PART
fbem-6227	135	24	net	net	ADJ
fbem-6227	135	25	interest	interest	NOUN
fbem-6227	135	26	margin.the	margin.the	DET
fbem-6227	135	27	conclusion	conclusion	NOUN
fbem-6227	135	28	is	be	AUX
fbem-6227	135	29	still	still	ADV
fbem-6227	135	30	valid	valid	ADJ
fbem-6227	135	31	after	after	ADP
fbem-6227	135	32	a	a	DET
fbem-6227	135	33	series	series	NOUN
fbem-6227	135	34	of	of	ADP
fbem-6227	135	35	robustness	robustness	NOUN
fbem-6227	135	36	tests	test	NOUN
fbem-6227	135	37	above	above	ADV
fbem-6227	135	38	.	.	PUNCT
fbem-6227	136	1	based	base	VERB
fbem-6227	136	2	on	on	ADP
fbem-6227	136	3	the	the	DET
fbem-6227	136	4	above	above	ADJ
fbem-6227	136	5	research	research	NOUN
fbem-6227	136	6	,	,	PUNCT
fbem-6227	136	7	the	the	DET
fbem-6227	136	8	following	follow	VERB
fbem-6227	136	9	recommendations	recommendation	NOUN
fbem-6227	136	10	are	be	AUX
fbem-6227	136	11	made	make	VERB
fbem-6227	136	12	:	:	PUNCT
fbem-6227	136	13	first	first	ADV
fbem-6227	136	14	,	,	PUNCT
fbem-6227	136	15	commercial	commercial	ADJ
fbem-6227	136	16	banks	bank	NOUN
fbem-6227	136	17	with	with	ADP
fbem-6227	136	18	large	large	ADJ
fbem-6227	136	19	assets	asset	NOUN
fbem-6227	136	20	and	and	CCONJ
fbem-6227	136	21	strong	strong	ADJ
fbem-6227	136	22	profitability	profitability	NOUN
fbem-6227	136	23	can	can	AUX
fbem-6227	136	24	conduct	conduct	VERB
fbem-6227	136	25	large	large	ADJ
fbem-6227	136	26	-	-	PUNCT
fbem-6227	136	27	scale	scale	NOUN
fbem-6227	136	28	fintech	fintech	NOUN
fbem-6227	136	29	research	research	NOUN
fbem-6227	136	30	and	and	CCONJ
fbem-6227	136	31	development	development	NOUN
fbem-6227	136	32	due	due	ADP
fbem-6227	136	33	to	to	ADP
fbem-6227	136	34	their	their	PRON
fbem-6227	136	35	strong	strong	ADJ
fbem-6227	136	36	capital	capital	NOUN
fbem-6227	136	37	advantages	advantage	NOUN
fbem-6227	136	38	.	.	PUNCT
fbem-6227	137	1	meanwhile	meanwhile	ADV
fbem-6227	137	2	,	,	PUNCT
fbem-6227	137	3	small	small	ADJ
fbem-6227	137	4	and	and	CCONJ
fbem-6227	137	5	medium	medium	ADJ
fbem-6227	137	6	-	-	PUNCT
fbem-6227	137	7	sized	sized	ADJ
fbem-6227	137	8	banks	bank	NOUN
fbem-6227	137	9	should	should	AUX
fbem-6227	137	10	reasonably	reasonably	ADV
fbem-6227	137	11	choose	choose	VERB
fbem-6227	137	12	the	the	DET
fbem-6227	137	13	direction	direction	NOUN
fbem-6227	137	14	of	of	ADP
fbem-6227	137	15	research	research	NOUN
fbem-6227	137	16	and	and	CCONJ
fbem-6227	137	17	development	development	NOUN
fbem-6227	137	18	based	base	VERB
fbem-6227	137	19	on	on	ADP
fbem-6227	137	20	the	the	DET
fbem-6227	137	21	success	success	NOUN
fbem-6227	137	22	of	of	ADP
fbem-6227	137	23	large	large	ADJ
fbem-6227	137	24	banks.they	banks.they	NOUN
fbem-6227	137	25	can	can	AUX
fbem-6227	137	26	leverage	leverage	VERB
fbem-6227	137	27	the	the	DET
fbem-6227	137	28	development	development	NOUN
fbem-6227	137	29	of	of	ADP
fbem-6227	137	30	fintech	fintech	NOUN
fbem-6227	137	31	to	to	PART
fbem-6227	137	32	improve	improve	VERB
fbem-6227	137	33	profitability	profitability	NOUN
fbem-6227	137	34	and	and	CCONJ
fbem-6227	137	35	reduce	reduce	VERB
fbem-6227	137	36	risk	risk	NOUN
fbem-6227	137	37	-	-	PUNCT
fbem-6227	137	38	taking	taking	NOUN
fbem-6227	137	39	,	,	PUNCT
fbem-6227	137	40	completing	complete	VERB
fbem-6227	137	41	the	the	DET
fbem-6227	137	42	"	"	PUNCT
fbem-6227	137	43	digital	digital	ADJ
fbem-6227	137	44	"	"	PUNCT
fbem-6227	137	45	transformation	transformation	NOUN
fbem-6227	137	46	.	.	PUNCT
fbem-6227	138	1	second	second	ADJ
fbem-6227	138	2	,	,	PUNCT
fbem-6227	138	3	the	the	DET
fbem-6227	138	4	non	non	ADJ
fbem-6227	138	5	-	-	ADJ
fbem-6227	138	6	performing	perform	VERB
fbem-6227	138	7	loan	loan	NOUN
fbem-6227	138	8	ratio	ratio	NOUN
fbem-6227	138	9	and	and	CCONJ
fbem-6227	138	10	net	net	ADJ
fbem-6227	138	11	interest	interest	NOUN
fbem-6227	138	12	margin	margin	NOUN
fbem-6227	138	13	of	of	ADP
fbem-6227	138	14	banks	bank	NOUN
fbem-6227	138	15	are	be	AUX
fbem-6227	138	16	greatly	greatly	ADV
fbem-6227	138	17	affected	affect	VERB
fbem-6227	138	18	by	by	ADP
fbem-6227	138	19	the	the	DET
fbem-6227	138	20	degree	degree	NOUN
fbem-6227	138	21	of	of	ADP
fbem-6227	138	22	macro	macro	ADJ
fbem-6227	138	23	prosperity.in	prosperity.in	VERB
fbem-6227	138	24	good	good	ADJ
fbem-6227	138	25	economic	economic	ADJ
fbem-6227	138	26	years	year	NOUN
fbem-6227	138	27	,	,	PUNCT
fbem-6227	138	28	the	the	DET
fbem-6227	138	29	non	non	ADJ
fbem-6227	138	30	-	-	ADJ
fbem-6227	138	31	performing	perform	VERB
fbem-6227	138	32	loan	loan	NOUN
fbem-6227	138	33	ratio	ratio	NOUN
fbem-6227	138	34	and	and	CCONJ
fbem-6227	138	35	net	net	ADJ
fbem-6227	138	36	interest	interest	NOUN
fbem-6227	138	37	margin	margin	NOUN
fbem-6227	138	38	of	of	ADP
fbem-6227	138	39	banks	bank	NOUN
fbem-6227	138	40	will	will	AUX
fbem-6227	138	41	improve	improve	VERB
fbem-6227	138	42	significantly	significantly	ADV
fbem-6227	138	43	.	.	PUNCT
fbem-6227	139	1	at	at	ADP
fbem-6227	139	2	this	this	DET
fbem-6227	139	3	time	time	NOUN
fbem-6227	139	4	,	,	PUNCT
fbem-6227	139	5	more	more	ADJ
fbem-6227	139	6	capital	capital	NOUN
fbem-6227	139	7	accumulation	accumulation	NOUN
fbem-6227	139	8	can	can	AUX
fbem-6227	139	9	be	be	AUX
fbem-6227	139	10	completed	complete	VERB
fbem-6227	139	11	to	to	PART
fbem-6227	139	12	reduce	reduce	VERB
fbem-6227	139	13	the	the	DET
fbem-6227	139	14	impact	impact	NOUN
fbem-6227	139	15	on	on	ADP
fbem-6227	139	16	fintech	fintech	NOUN
fbem-6227	139	17	investment	investment	NOUN
fbem-6227	139	18	in	in	ADP
fbem-6227	139	19	bad	bad	ADJ
fbem-6227	139	20	economic	economic	ADJ
fbem-6227	139	21	years	year	NOUN
fbem-6227	139	22	,	,	PUNCT
fbem-6227	139	23	so	so	SCONJ
fbem-6227	139	24	as	as	SCONJ
fbem-6227	139	25	to	to	PART
fbem-6227	139	26	achieve	achieve	VERB
fbem-6227	139	27	capital	capital	NOUN
fbem-6227	139	28	investment	investment	NOUN
fbem-6227	139	29	smoothing	smoothing	NOUN
fbem-6227	139	30	.	.	PUNCT
fbem-6227	140	1	third	third	ADJ
fbem-6227	140	2	,	,	PUNCT
fbem-6227	140	3	the	the	DET
fbem-6227	140	4	development	development	NOUN
fbem-6227	140	5	of	of	ADP
fbem-6227	140	6	fintech	fintech	NOUN
fbem-6227	140	7	will	will	AUX
fbem-6227	140	8	intensify	intensify	VERB
fbem-6227	140	9	the	the	DET
fbem-6227	140	10	competition	competition	NOUN
fbem-6227	140	11	among	among	ADP
fbem-6227	140	12	banks	bank	NOUN
fbem-6227	140	13	for	for	ADP
fbem-6227	140	14	financial	financial	ADJ
fbem-6227	140	15	resources.compared	resources.compare	VERB
fbem-6227	140	16	with	with	ADP
fbem-6227	140	17	small	small	ADJ
fbem-6227	140	18	banks	bank	NOUN
fbem-6227	140	19	,	,	PUNCT
fbem-6227	140	20	more	more	ADJ
fbem-6227	140	21	financial	financial	ADJ
fbem-6227	140	22	resources	resource	NOUN
fbem-6227	140	23	flow	flow	VERB
fbem-6227	140	24	to	to	ADP
fbem-6227	140	25	large	large	ADJ
fbem-6227	140	26	commercial	commercial	ADJ
fbem-6227	140	27	banks	bank	NOUN
fbem-6227	140	28	,	,	PUNCT
fbem-6227	140	29	which	which	PRON
fbem-6227	140	30	compresses	compress	VERB
fbem-6227	140	31	and	and	CCONJ
fbem-6227	140	32	occupies	occupy	VERB
fbem-6227	140	33	the	the	DET
fbem-6227	140	34	business	business	NOUN
fbem-6227	140	35	space	space	NOUN
fbem-6227	140	36	of	of	ADP
fbem-6227	140	37	small	small	ADJ
fbem-6227	140	38	banks.therefore	banks.therefore	NOUN
fbem-6227	140	39	,	,	PUNCT
fbem-6227	140	40	from	from	ADP
fbem-6227	140	41	the	the	DET
fbem-6227	140	42	perspective	perspective	NOUN
fbem-6227	140	43	of	of	ADP
fbem-6227	140	44	the	the	DET
fbem-6227	140	45	healthy	healthy	ADJ
fbem-6227	140	46	development	development	NOUN
fbem-6227	140	47	of	of	ADP
fbem-6227	140	48	the	the	DET
fbem-6227	140	49	entire	entire	ADJ
fbem-6227	140	50	industry	industry	NOUN
fbem-6227	140	51	,	,	PUNCT
fbem-6227	140	52	the	the	DET
fbem-6227	140	53	focus	focus	NOUN
fbem-6227	140	54	of	of	ADP
fbem-6227	140	55	the	the	DET
fbem-6227	140	56	development	development	NOUN
fbem-6227	140	57	of	of	ADP
fbem-6227	140	58	fintech	fintech	NOUN
fbem-6227	140	59	should	should	AUX
fbem-6227	140	60	not	not	PART
fbem-6227	140	61	be	be	AUX
fbem-6227	140	62	the	the	DET
fbem-6227	140	63	competition	competition	NOUN
fbem-6227	140	64	for	for	ADP
fbem-6227	140	65	financial	financial	ADJ
fbem-6227	140	66	resources	resource	NOUN
fbem-6227	140	67	in	in	ADP
fbem-6227	140	68	the	the	DET
fbem-6227	140	69	stock	stock	NOUN
fbem-6227	140	70	market	market	NOUN
fbem-6227	140	71	,	,	PUNCT
fbem-6227	140	72	but	but	CCONJ
fbem-6227	140	73	should	should	AUX
fbem-6227	140	74	focus	focus	VERB
fbem-6227	140	75	on	on	ADP
fbem-6227	140	76	helping	help	VERB
fbem-6227	140	77	banks	bank	NOUN
fbem-6227	140	78	extend	extend	VERB
fbem-6227	140	79	the	the	DET
fbem-6227	140	80	service	service	NOUN
fbem-6227	140	81	boundary	boundary	NOUN
fbem-6227	140	82	,	,	PUNCT
fbem-6227	140	83	strive	strive	VERB
fbem-6227	140	84	to	to	PART
fbem-6227	140	85	open	open	VERB
fbem-6227	140	86	up	up	ADP
fbem-6227	140	87	incremental	incremental	ADJ
fbem-6227	140	88	markets	market	NOUN
fbem-6227	140	89	,	,	PUNCT
fbem-6227	140	90	and	and	CCONJ
fbem-6227	140	91	improve	improve	VERB
fbem-6227	140	92	the	the	DET
fbem-6227	140	93	overall	overall	ADJ
fbem-6227	140	94	level	level	NOUN
fbem-6227	140	95	of	of	ADP
fbem-6227	140	96	financial	financial	ADJ
fbem-6227	140	97	services	service	NOUN
fbem-6227	140	98	in	in	ADP
fbem-6227	140	99	the	the	DET
fbem-6227	140	100	industry	industry	NOUN
fbem-6227	140	101	.	.	PUNCT
fbem-6227	141	1	forth	forth	ADV
fbem-6227	141	2	,	,	PUNCT
fbem-6227	141	3	relevant	relevant	ADJ
fbem-6227	141	4	departments	department	NOUN
fbem-6227	141	5	should	should	AUX
fbem-6227	141	6	formulate	formulate	VERB
fbem-6227	141	7	policies	policy	NOUN
fbem-6227	141	8	to	to	PART
fbem-6227	141	9	guide	guide	VERB
fbem-6227	141	10	and	and	CCONJ
fbem-6227	141	11	support	support	VERB
fbem-6227	141	12	banks	bank	NOUN
fbem-6227	141	13	in	in	ADP
fbem-6227	141	14	fintech	fintech	NOUN
fbem-6227	141	15	development	development	NOUN
fbem-6227	141	16	;	;	PUNCT
fbem-6227	141	17	the	the	DET
fbem-6227	141	18	construction	construction	NOUN
fbem-6227	141	19	of	of	ADP
fbem-6227	141	20	relevant	relevant	ADJ
fbem-6227	141	21	infrastructure	infrastructure	NOUN
fbem-6227	141	22	can	can	AUX
fbem-6227	141	23	also	also	ADV
fbem-6227	141	24	increase	increase	VERB
fbem-6227	141	25	so	so	SCONJ
fbem-6227	141	26	that	that	SCONJ
fbem-6227	141	27	banks	bank	NOUN
fbem-6227	141	28	can	can	AUX
fbem-6227	141	29	better	well	ADV
fbem-6227	141	30	serve	serve	VERB
fbem-6227	141	31	the	the	DET
fbem-6227	141	32	real	real	ADJ
fbem-6227	141	33	economy	economy	NOUN
fbem-6227	141	34	and	and	CCONJ
fbem-6227	141	35	facilitate	facilitate	VERB
fbem-6227	141	36	the	the	DET
fbem-6227	141	37	financial	financial	ADJ
fbem-6227	141	38	supply	supply	NOUN
fbem-6227	141	39	-	-	PUNCT
fbem-6227	141	40	side	side	NOUN
fbem-6227	141	41	reform	reform	NOUN
fbem-6227	141	42	with	with	ADP
fbem-6227	141	43	the	the	DET
fbem-6227	141	44	help	help	NOUN
fbem-6227	141	45	of	of	ADP
fbem-6227	141	46	fintech	fintech	NOUN
fbem-6227	141	47	.	.	PUNCT
fbem-6227	142	1	commercial	commercial	ADJ
fbem-6227	142	2	banks	bank	NOUN
fbem-6227	142	3	should	should	AUX
fbem-6227	142	4	strengthen	strengthen	VERB
fbem-6227	142	5	cooperation	cooperation	NOUN
fbem-6227	142	6	with	with	ADP
fbem-6227	142	7	fintech	fintech	NOUN
fbem-6227	142	8	enterprises	enterprise	NOUN
fbem-6227	142	9	,	,	PUNCT
fbem-6227	142	10	learn	learn	VERB
fbem-6227	142	11	from	from	ADP
fbem-6227	142	12	each	each	DET
fbem-6227	142	13	other	other	ADJ
fbem-6227	142	14	,	,	PUNCT
fbem-6227	142	15	broaden	broaden	VERB
fbem-6227	142	16	their	their	PRON
fbem-6227	142	17	development	development	NOUN
fbem-6227	142	18	prospects	prospect	NOUN
fbem-6227	142	19	and	and	CCONJ
fbem-6227	142	20	comprehensively	comprehensively	ADV
fbem-6227	142	21	improve	improve	VERB
fbem-6227	142	22	their	their	PRON
fbem-6227	142	23	strength	strength	NOUN
fbem-6227	142	24	.	.	PUNCT
fbem-6227	143	1	references	reference	NOUN
fbem-6227	143	2	[	[	X
fbem-6227	143	3	1	1	NUM
fbem-6227	143	4	]	]	PUNCT
fbem-6227	143	5	fintech	fintech	NOUN
fbem-6227	143	6	research	research	NOUN
fbem-6227	143	7	group	group	NOUN
fbem-6227	143	8	,	,	PUNCT
fbem-6227	143	9	bank	bank	NOUN
fbem-6227	143	10	of	of	ADP
fbem-6227	143	11	communications	communication	NOUN
fbem-6227	143	12	.	.	PUNCT
fbem-6227	144	1	development	development	NOUN
fbem-6227	144	2	history	history	NOUN
fbem-6227	144	3	and	and	CCONJ
fbem-6227	144	4	future	future	ADJ
fbem-6227	144	5	trend	trend	NOUN
fbem-6227	144	6	of	of	ADP
fbem-6227	144	7	fintech	fintech	NOUN
fbem-6227	144	8	in	in	ADP
fbem-6227	144	9	chinese	chinese	ADJ
fbem-6227	144	10	banking	banking	NOUN
fbem-6227	144	11	industry	industry	NOUN
fbem-6227	145	1	[	[	X
fbem-6227	145	2	j	j	X
fbem-6227	145	3	]	]	X
fbem-6227	145	4	.	.	PUNCT
fbem-6227	146	1	financial	financial	ADJ
fbem-6227	146	2	development	development	NOUN
fbem-6227	146	3	,	,	PUNCT
fbem-6227	146	4	2018	2018	NUM
fbem-6227	146	5	,	,	PUNCT
fbem-6227	146	6	(	(	PUNCT
fbem-6227	146	7	2	2	NUM
fbem-6227	146	8	)	)	PUNCT
fbem-6227	146	9	.	.	PUNCT
fbem-6227	147	1	[	[	X
fbem-6227	147	2	2	2	X
fbem-6227	147	3	]	]	X
fbem-6227	147	4	dai	dai	PROPN
fbem-6227	147	5	guoqiang	guoqiang	PROPN
fbem-6227	147	6	,	,	PUNCT
fbem-6227	147	7	fang	fang	PROPN
fbem-6227	147	8	pengfei	pengfei	PROPN
fbem-6227	147	9	.	.	PUNCT
fbem-6227	148	1	interest	interest	NOUN
fbem-6227	148	2	rate	rate	NOUN
fbem-6227	148	3	liberalization	liberalization	NOUN
fbem-6227	148	4	and	and	CCONJ
fbem-6227	148	5	bank	bank	NOUN
fbem-6227	148	6	risk	risk	NOUN
fbem-6227	148	7	:	:	PUNCT
fbem-6227	148	8	based	base	VERB
fbem-6227	148	9	on	on	ADP
fbem-6227	148	10	the	the	DET
fbem-6227	148	11	perspective	perspective	NOUN
fbem-6227	148	12	of	of	ADP
fbem-6227	148	13	shadow	shadow	NOUN
fbem-6227	148	14	banking	banking	NOUN
fbem-6227	148	15	and	and	CCONJ
fbem-6227	148	16	internet	internet	NOUN
fbem-6227	148	17	finance	finance	NOUN
fbem-6227	148	18	[	[	X
fbem-6227	148	19	j].financial	j].financial	ADJ
fbem-6227	148	20	forum,2014,(8	forum,2014,(8	NOUN
fbem-6227	148	21	)	)	PUNCT
fbem-6227	149	1	[	[	X
fbem-6227	149	2	3	3	NUM
fbem-6227	149	3	]	]	X
fbem-6227	149	4	zhao	zhao	X
fbem-6227	149	5	qingbo	qingbo	NOUN
fbem-6227	149	6	,	,	PUNCT
fbem-6227	149	7	bu	bu	PROPN
fbem-6227	149	8	lin.can	lin.can	ADJ
fbem-6227	149	9	banks	bank	NOUN
fbem-6227	149	10	improve	improve	VERB
fbem-6227	149	11	their	their	PRON
fbem-6227	149	12	business	business	NOUN
fbem-6227	149	13	performance	performance	NOUN
fbem-6227	149	14	by	by	ADP
fbem-6227	149	15	developing	develop	VERB
fbem-6227	149	16	fintech?-empirical	fintech?-empirical	ADJ
fbem-6227	149	17	evidence	evidence	NOUN
fbem-6227	149	18	from	from	ADP
fbem-6227	149	19	92	92	NUM
fbem-6227	149	20	chinese	chinese	ADJ
fbem-6227	149	21	banks	bank	NOUN
fbem-6227	150	1	[	[	X
fbem-6227	150	2	j	j	X
fbem-6227	150	3	]	]	X
fbem-6227	150	4	.	.	PUNCT
fbem-6227	151	1	finance	finance	NOUN
fbem-6227	151	2	and	and	CCONJ
fbem-6227	151	3	insurance,2022,(9	insurance,2022,(9	NOUN
fbem-6227	151	4	)	)	PUNCT
fbem-6227	152	1	[	[	X
fbem-6227	152	2	4	4	X
fbem-6227	152	3	]	]	X
fbem-6227	152	4	jin	jin	PROPN
fbem-6227	152	5	penghui	penghui	PROPN
fbem-6227	152	6	,	,	PUNCT
fbem-6227	152	7	zhang	zhang	PROPN
fbem-6227	152	8	xiang	xiang	PROPN
fbem-6227	152	9	,	,	PUNCT
fbem-6227	152	10	gao	gao	PROPN
fbem-6227	152	11	feng.the	feng.the	DET
fbem-6227	152	12	impact	impact	NOUN
fbem-6227	152	13	of	of	ADP
fbem-6227	152	14	monetary	monetary	ADJ
fbem-6227	152	15	policy	policy	NOUN
fbem-6227	152	16	on	on	ADP
fbem-6227	152	17	bank	bank	NOUN
fbem-6227	152	18	risk	risk	NOUN
fbem-6227	152	19	-	-	PUNCT
fbem-6227	152	20	taking	take	VERB
fbem-6227	152	21	-based	-base	VERB
fbem-6227	152	22	on	on	ADP
fbem-6227	152	23	the	the	DET
fbem-6227	152	24	whole	whole	ADJ
fbem-6227	152	25	banking	banking	NOUN
fbem-6227	152	26	industry	industry	NOUN
fbem-6227	153	1	[	[	X
fbem-6227	153	2	j	j	X
fbem-6227	153	3	]	]	X
fbem-6227	153	4	.	.	PUNCT
fbem-6227	154	1	financial	financial	ADJ
fbem-6227	154	2	research,2014,(2	research,2014,(2	PROPN
fbem-6227	154	3	)	)	PUNCT
fbem-6227	155	1	[	[	X
fbem-6227	155	2	5	5	NUM
fbem-6227	155	3	]	]	PUNCT
fbem-6227	155	4	ba	ba	NOUN
fbem-6227	155	5	shusong	shusong	PROPN
fbem-6227	155	6	,	,	PUNCT
fbem-6227	155	7	bai	bai	PROPN
fbem-6227	155	8	haifeng	haifeng	PROPN
fbem-6227	155	9	.	.	PUNCT
fbem-6227	156	1	development	development	PROPN
fbem-6227	156	2	history	history	NOUN
fbem-6227	156	3	of	of	ADP
fbem-6227	156	4	fintech	fintech	NOUN
fbem-6227	156	5	and	and	CCONJ
fbem-6227	156	6	exploration	exploration	NOUN
fbem-6227	156	7	of	of	ADP
fbem-6227	156	8	core	core	NOUN
fbem-6227	156	9	technology	technology	NOUN
fbem-6227	156	10	application	application	NOUN
fbem-6227	156	11	scenarios	scenario	NOUN
fbem-6227	156	12	[	[	X
fbem-6227	156	13	j	j	X
fbem-6227	156	14	]	]	X
fbem-6227	156	15	.	.	PUNCT
fbem-6227	157	1	tsinghua	tsinghua	PROPN
fbem-6227	157	2	financial	financial	PROPN
fbem-6227	157	3	review	review	PROPN
fbem-6227	157	4	,	,	PUNCT
fbem-6227	157	5	2016,(11	2016,(11	NUM
fbem-6227	157	6	)	)	PUNCT
fbem-6227	158	1	[	[	X
fbem-6227	158	2	6	6	NUM
fbem-6227	158	3	]	]	PUNCT
fbem-6227	158	4	wang	wang	PROPN
fbem-6227	158	5	sheng	sheng	PROPN
fbem-6227	158	6	,	,	PUNCT
fbem-6227	158	7	li	li	PROPN
fbem-6227	158	8	ya	ya	PROPN
fbem-6227	158	9	,	,	PUNCT
fbem-6227	158	10	gao	gao	PROPN
fbem-6227	158	11	ru	ru	PROPN
fbem-6227	158	12	ming.research	ming.research	PROPN
fbem-6227	158	13	on	on	ADP
fbem-6227	158	14	the	the	DET
fbem-6227	158	15	influence	influence	NOUN
fbem-6227	158	16	of	of	ADP
fbem-6227	158	17	internet	internet	NOUN
fbem-6227	158	18	finance	finance	NOUN
fbem-6227	158	19	on	on	ADP
fbem-6227	158	20	the	the	DET
fbem-6227	158	21	risk	risk	NOUN
fbem-6227	158	22	taking	taking	NOUN
fbem-6227	158	23	of	of	ADP
fbem-6227	158	24	commercial	commercial	ADJ
fbem-6227	158	25	banks	bank	NOUN
fbem-6227	158	26	-	-	PUNCT
fbem-6227	158	27	based	base	VERB
fbem-6227	158	28	on	on	ADP
fbem-6227	158	29	the	the	DET
fbem-6227	158	30	empirical	empirical	ADJ
fbem-6227	158	31	analysis	analysis	NOUN
fbem-6227	158	32	of	of	ADP
fbem-6227	158	33	30	30	NUM
fbem-6227	158	34	commercial	commercial	ADJ
fbem-6227	158	35	banks	bank	NOUN
fbem-6227	158	36	in	in	ADP
fbem-6227	158	37	china	china	PROPN
fbem-6227	159	1	[	[	X
fbem-6227	159	2	j].financial	j].financial	ADJ
fbem-6227	159	3	development	development	NOUN
fbem-6227	159	4	research.2021,(01	research.2021,(01	VERB
fbem-6227	159	5	)	)	PUNCT
fbem-6227	160	1	[	[	X
fbem-6227	160	2	7	7	X
fbem-6227	160	3	]	]	X
fbem-6227	160	4	sheng	sheng	NOUN
fbem-6227	160	5	t.	t.	PROPN
fbem-6227	160	6	the	the	DET
fbem-6227	160	7	effect	effect	NOUN
fbem-6227	160	8	of	of	ADP
fbem-6227	160	9	fintech	fintech	NOUN
fbem-6227	160	10	on	on	ADP
fbem-6227	160	11	banks’credit	banks’credit	NOUN
fbem-6227	160	12	provision	provision	NOUN
fbem-6227	160	13	to	to	ADP
fbem-6227	160	14	smes	sme	NOUN
fbem-6227	160	15	:	:	PUNCT
fbem-6227	160	16	evidence	evidence	NOUN
fbem-6227	160	17	from	from	ADP
fbem-6227	160	18	china[j].finance	china[j].finance	NOUN
fbem-6227	160	19	ｒesearch	ｒesearch	NOUN
fbem-6227	160	20	letters	letter	NOUN
fbem-6227	160	21	,	,	PUNCT
fbem-6227	160	22	2021	2021	NUM
fbem-6227	160	23	,	,	PUNCT
fbem-6227	160	24	39:101558	39:101558	NUM
fbem-6227	160	25	.	.	PUNCT
fbem-6227	161	1	[	[	X
fbem-6227	161	2	8	8	NUM
fbem-6227	161	3	]	]	PUNCT
fbem-6227	161	4	lapavitsas	lapavitsa	VERB
fbem-6227	161	5	c	c	PROPN
fbem-6227	161	6	,	,	PUNCT
fbem-6227	161	7	dos	do	VERB
fbem-6227	161	8	santos	santos	PROPN
fbem-6227	161	9	p	p	PROPN
fbem-6227	161	10	l.	l.	PROPN
fbem-6227	161	11	globalization	globalization	PROPN
fbem-6227	161	12	and	and	CCONJ
fbem-6227	161	13	contemporary	contemporary	ADJ
fbem-6227	161	14	banking	banking	NOUN
fbem-6227	161	15	:	:	PUNCT
fbem-6227	161	16	on	on	ADP
fbem-6227	161	17	the	the	DET
fbem-6227	161	18	impact	impact	NOUN
fbem-6227	161	19	of	of	ADP
fbem-6227	161	20	new	new	ADJ
fbem-6227	161	21	technology	technology	NOUN
fbem-6227	161	22	[	[	X
fbem-6227	161	23	j	j	X
fbem-6227	161	24	]	]	X
fbem-6227	161	25	.	.	PUNCT
fbem-6227	162	1	contributions	contribution	NOUN
fbem-6227	162	2	to	to	ADP
fbem-6227	162	3	political	political	ADJ
fbem-6227	162	4	economy	economy	NOUN
fbem-6227	162	5	,	,	PUNCT
fbem-6227	162	6	2008	2008	NUM
fbem-6227	162	7	,	,	PUNCT
fbem-6227	162	8	27(1	27(1	NUM
fbem-6227	162	9	)	)	PUNCT
fbem-6227	162	10	.	.	PUNCT
fbem-6227	163	1	[	[	X
fbem-6227	163	2	9	9	NUM
fbem-6227	163	3	]	]	SYM
fbem-6227	163	4	li	li	PROPN
fbem-6227	163	5	hongquan	hongquan	PROPN
fbem-6227	163	6	,	,	PUNCT
fbem-6227	163	7	xie	xie	PROPN
fbem-6227	163	8	jia	jia	PROPN
fbem-6227	163	9	,	,	PUNCT
fbem-6227	163	10	liu	liu	PROPN
fbem-6227	163	11	ying	ying	PROPN
fbem-6227	163	12	et	et	PROPN
fbem-6227	164	1	al.how	al.how	PROPN
fbem-6227	164	2	financial	financial	ADJ
fbem-6227	164	3	technology	technology	NOUN
fbem-6227	164	4	affects	affect	VERB
fbem-6227	164	5	the	the	DET
fbem-6227	164	6	risk	risk	NOUN
fbem-6227	164	7	-	-	PUNCT
fbem-6227	164	8	taking	taking	NOUN
fbem-6227	164	9	of	of	ADP
fbem-6227	164	10	commercial	commercial	ADJ
fbem-6227	164	11	banks	bank	NOUN
fbem-6227	164	12	:	:	PUNCT
fbem-6227	164	13	an	an	DET
fbem-6227	164	14	analysis	analysis	NOUN
fbem-6227	164	15	based	base	VERB
fbem-6227	164	16	on	on	ADP
fbem-6227	164	17	multiple	multiple	ADJ
fbem-6227	164	18	mediating	mediate	VERB
fbem-6227	164	19	effects	effect	NOUN
fbem-6227	164	20	[	[	X
fbem-6227	164	21	j].investment	j].investment	PROPN
fbem-6227	164	22	research	research	NOUN
fbem-6227	164	23	.	.	PUNCT
fbem-6227	165	1	2002	2002	NUM
fbem-6227	165	2	,	,	PUNCT
fbem-6227	165	3	41	41	NUM
fbem-6227	165	4	(	(	PUNCT
fbem-6227	165	5	08	08	NUM
fbem-6227	165	6	)	)	PUNCT
fbem-6227	165	7	.	.	PUNCT
fbem-6227	166	1	[	[	X
fbem-6227	166	2	10	10	NUM
fbem-6227	166	3	]	]	X
fbem-6227	166	4	yang	yang	PROPN
fbem-6227	166	5	wang	wang	PROPN
fbem-6227	166	6	,	,	PUNCT
fbem-6227	166	7	xu	xu	PROPN
fbem-6227	166	8	huilin	huilin	PROPN
fbem-6227	166	9	,	,	PUNCT
fbem-6227	166	10	et	et	PROPN
fbem-6227	166	11	al.financial	al.financial	ADJ
fbem-6227	166	12	technology	technology	NOUN
fbem-6227	166	13	and	and	CCONJ
fbem-6227	166	14	efficiency	efficiency	NOUN
fbem-6227	166	15	of	of	ADP
fbem-6227	166	16	commercial	commercial	ADJ
fbem-6227	166	17	banks	bank	NOUN
fbem-6227	166	18	:	:	PUNCT
fbem-6227	166	19	an	an	DET
fbem-6227	166	20	empirical	empirical	ADJ
fbem-6227	166	21	study	study	NOUN
fbem-6227	166	22	based	base	VERB
fbem-6227	166	23	on	on	ADP
fbem-6227	166	24	dea	dea	PROPN
fbem-6227	166	25	-	-	ADJ
fbem-6227	166	26	malmquist	malmquist	ADJ
fbem-6227	166	27	model	model	NOUN
fbem-6227	166	28	[	[	X
fbem-6227	166	29	j].international	j].international	ADJ
fbem-6227	166	30	finance	finance	NOUN
fbem-6227	166	31	research	research	NOUN
fbem-6227	166	32	,	,	PUNCT
fbem-6227	166	33	2020,(07	2020,(07	NUM
fbem-6227	166	34	)	)	PUNCT
fbem-6227	166	35	.	.	PUNCT
fbem-6227	167	1	[	[	X
fbem-6227	167	2	11	11	NUM
fbem-6227	167	3	]	]	X
fbem-6227	167	4	qiu	qiu	PROPN
fbem-6227	167	5	han	han	PROPN
fbem-6227	167	6	,	,	PUNCT
fbem-6227	167	7	huang	huang	PROPN
fbem-6227	167	8	yiping	yiping	PROPN
fbem-6227	167	9	,	,	PUNCT
fbem-6227	167	10	ji	ji	PROPN
fbem-6227	167	11	yang.the	yang.the	DET
fbem-6227	167	12	influence	influence	NOUN
fbem-6227	167	13	of	of	ADP
fbem-6227	167	14	fintech	fintech	NOUN
fbem-6227	167	15	on	on	ADP
fbem-6227	167	16	traditional	traditional	ADJ
fbem-6227	167	17	bank	bank	NOUN
fbem-6227	167	18	behavior	behavior	NOUN
fbem-6227	167	19	:	:	PUNCT
fbem-6227	167	20	from	from	ADP
fbem-6227	167	21	the	the	DET
fbem-6227	167	22	perspective	perspective	NOUN
fbem-6227	167	23	of	of	ADP
fbem-6227	167	24	internet	internet	NOUN
fbem-6227	167	25	finance	finance	NOUN
fbem-6227	167	26	[	[	X
fbem-6227	167	27	j].financial	j].financial	ADJ
fbem-6227	167	28	research	research	NOUN
fbem-6227	167	29	,	,	PUNCT
fbem-6227	167	30	2018,(11	2018,(11	NUM
fbem-6227	167	31	)	)	PUNCT
fbem-6227	167	32	.	.	PUNCT
fbem-6227	168	1	[	[	X
fbem-6227	168	2	12	12	NUM
fbem-6227	168	3	]	]	X
fbem-6227	168	4	jin	jin	PROPN
fbem-6227	168	5	penghui	penghui	PROPN
fbem-6227	168	6	,	,	PUNCT
fbem-6227	168	7	zhang	zhang	PROPN
fbem-6227	168	8	xiang	xiang	PROPN
fbem-6227	168	9	,	,	PUNCT
fbem-6227	168	10	et	et	VERB
fbem-6227	168	11	al.the	al.the	PROPN
fbem-6227	168	12	impact	impact	NOUN
fbem-6227	168	13	of	of	ADP
fbem-6227	168	14	monetary	monetary	ADJ
fbem-6227	168	15	policy	policy	NOUN
fbem-6227	168	16	on	on	ADP
fbem-6227	168	17	bank	bank	NOUN
fbem-6227	168	18	risk	risk	NOUN
fbem-6227	168	19	taking	taking	NOUN
fbem-6227	168	20	—	—	PUNCT
fbem-6227	168	21	based	base	VERB
fbem-6227	168	22	on	on	ADP
fbem-6227	168	23	the	the	DET
fbem-6227	168	24	whole	whole	ADJ
fbem-6227	168	25	banking	banking	NOUN
fbem-6227	168	26	industry	industry	NOUN
fbem-6227	169	1	[	[	X
fbem-6227	169	2	j	j	X
fbem-6227	169	3	]	]	X
fbem-6227	169	4	.	.	PUNCT
fbem-6227	170	1	financial	financial	ADJ
fbem-6227	170	2	research	research	NOUN
fbem-6227	170	3	,	,	PUNCT
fbem-6227	170	4	2014,(02	2014,(02	PROPN
fbem-6227	170	5	)	)	PUNCT
fbem-6227	170	6	.	.	PUNCT
fbem-6227	171	1	[	[	X
fbem-6227	171	2	13	13	NUM
fbem-6227	171	3	]	]	SYM
fbem-6227	171	4	li	li	PROPN
fbem-6227	171	5	chuntao	chuntao	PROPN
fbem-6227	171	6	,	,	PUNCT
fbem-6227	171	7	yan	yan	PROPN
fbem-6227	171	8	xuwen	xuwen	PROPN
fbem-6227	171	9	,	,	PUNCT
fbem-6227	171	10	et	et	NOUN
fbem-6227	171	11	al.fintech	al.fintech	NOUN
fbem-6227	171	12	and	and	CCONJ
fbem-6227	171	13	enterprise	enterprise	NOUN
fbem-6227	171	14	innovation	innovation	NOUN
fbem-6227	171	15	-evidence	-evidence	NOUN
fbem-6227	171	16	of	of	ADP
fbem-6227	171	17	listed	list	VERB
fbem-6227	171	18	companies	company	NOUN
fbem-6227	171	19	on	on	ADP
fbem-6227	171	20	the	the	DET
fbem-6227	171	21	new	new	ADJ
fbem-6227	171	22	third	third	ADJ
fbem-6227	171	23	board	board	NOUN
fbem-6227	171	24	[	[	X
fbem-6227	171	25	j	j	X
fbem-6227	171	26	]	]	X
fbem-6227	171	27	.	.	PUNCT
fbem-6227	172	1	china	china	PROPN
fbem-6227	172	2	industrial	industrial	PROPN
fbem-6227	172	3	economy.2020,(01	economy.2020,(01	PROPN
fbem-6227	172	4	)	)	PUNCT
fbem-6227	172	5	.	.	PUNCT
fbem-6227	173	1	[	[	X
fbem-6227	173	2	14	14	NUM
fbem-6227	173	3	]	]	PUNCT
fbem-6227	173	4	delis	deli	NOUN
fbem-6227	173	5	,	,	PUNCT
fbem-6227	173	6	m.d	m.d	PROPN
fbem-6227	173	7	.	.	PROPN
fbem-6227	173	8	,	,	PUNCT
fbem-6227	173	9	kouretas	kouretas	PROPN
fbem-6227	173	10	,	,	PUNCT
fbem-6227	173	11	g.p,2011.interest	g.p,2011.inter	ADJ
fbem-6227	173	12	rates	rate	NOUN
fbem-6227	173	13	and	and	CCONJ
fbem-6227	173	14	bank	bank	PROPN
fbem-6227	173	15	risktaking.journal	risktaking.journal	PROPN
fbem-6227	173	16	of	of	ADP
fbem-6227	173	17	banking	banking	NOUN
fbem-6227	173	18	&	&	CCONJ
fbem-6227	173	19	finance35,2010	finance35,2010	PROPN
fbem-6227	173	20	.	.	PUNCT