id	sid	tid	token	lemma	pos
fbem-7151	1	1	frontiers	frontier	NOUN
fbem-7151	1	2	in	in	ADP
fbem-7151	1	3	business	business	NOUN
fbem-7151	1	4	,	,	PUNCT
fbem-7151	1	5	economics	economic	NOUN
fbem-7151	1	6	and	and	CCONJ
fbem-7151	1	7	management	management	NOUN
fbem-7151	1	8	issn	issn	PROPN
fbem-7151	1	9	:	:	PUNCT
fbem-7151	1	10	2766	2766	NUM
fbem-7151	1	11	-	-	PUNCT
fbem-7151	1	12	824x	824x	NUM
fbem-7151	1	13	|	|	ADJ
fbem-7151	1	14	vol	vol	NOUN
fbem-7151	1	15	.	.	PROPN
fbem-7151	1	16	8	8	NUM
fbem-7151	1	17	,	,	PUNCT
fbem-7151	1	18	no	no	INTJ
fbem-7151	1	19	.	.	NOUN
fbem-7151	1	20	2	2	NUM
fbem-7151	1	21	,	,	PUNCT
fbem-7151	1	22	2023	2023	NUM
fbem-7151	1	23	207	207	NUM
fbem-7151	1	24	research	research	NOUN
fbem-7151	1	25	on	on	ADP
fbem-7151	1	26	digital	digital	ADJ
fbem-7151	1	27	transformation	transformation	NOUN
fbem-7151	1	28	development	development	NOUN
fbem-7151	1	29	strategy	strategy	NOUN
fbem-7151	1	30	of	of	ADP
fbem-7151	1	31	gx	gx	PROPN
fbem-7151	1	32	branch	branch	PROPN
fbem-7151	1	33	of	of	ADP
fbem-7151	1	34	china	china	PROPN
fbem-7151	1	35	construction	construction	PROPN
fbem-7151	1	36	bank	bank	PROPN
fbem-7151	1	37	guangyu	guangyu	PROPN
fbem-7151	1	38	lu	lu	PROPN
fbem-7151	1	39	siam	siam	PROPN
fbem-7151	1	40	university	university	PROPN
fbem-7151	1	41	,	,	PUNCT
fbem-7151	1	42	bangkok	bangkok	PROPN
fbem-7151	1	43	,	,	PUNCT
fbem-7151	1	44	thailand	thailand	PROPN
fbem-7151	1	45	abstract	abstract	NOUN
fbem-7151	1	46	:	:	PUNCT
fbem-7151	1	47	banking	banking	NOUN
fbem-7151	1	48	is	be	AUX
fbem-7151	1	49	the	the	DET
fbem-7151	1	50	main	main	ADJ
fbem-7151	1	51	body	body	NOUN
fbem-7151	1	52	of	of	ADP
fbem-7151	1	53	modern	modern	ADJ
fbem-7151	1	54	finance	finance	NOUN
fbem-7151	1	55	and	and	CCONJ
fbem-7151	1	56	the	the	DET
fbem-7151	1	57	hub	hub	NOUN
fbem-7151	1	58	of	of	ADP
fbem-7151	1	59	national	national	ADJ
fbem-7151	1	60	economy	economy	NOUN
fbem-7151	1	61	.	.	PUNCT
fbem-7151	2	1	at	at	ADP
fbem-7151	2	2	the	the	DET
fbem-7151	2	3	same	same	ADJ
fbem-7151	2	4	time	time	NOUN
fbem-7151	2	5	,	,	PUNCT
fbem-7151	2	6	the	the	DET
fbem-7151	2	7	digital	digital	ADJ
fbem-7151	2	8	innovation	innovation	NOUN
fbem-7151	2	9	boom	boom	NOUN
fbem-7151	2	10	also	also	ADV
fbem-7151	2	11	provides	provide	VERB
fbem-7151	2	12	new	new	ADJ
fbem-7151	2	13	development	development	NOUN
fbem-7151	2	14	ideas	idea	NOUN
fbem-7151	2	15	and	and	CCONJ
fbem-7151	2	16	opportunities	opportunity	NOUN
fbem-7151	2	17	for	for	ADP
fbem-7151	2	18	the	the	DET
fbem-7151	2	19	traditional	traditional	ADJ
fbem-7151	2	20	financial	financial	ADJ
fbem-7151	2	21	industry	industry	NOUN
fbem-7151	2	22	.	.	PUNCT
fbem-7151	3	1	digitalization	digitalization	NOUN
fbem-7151	3	2	not	not	PART
fbem-7151	3	3	only	only	ADV
fbem-7151	3	4	brings	bring	VERB
fbem-7151	3	5	new	new	ADJ
fbem-7151	3	6	vitality	vitality	NOUN
fbem-7151	3	7	to	to	ADP
fbem-7151	3	8	commercial	commercial	ADJ
fbem-7151	3	9	banks	bank	NOUN
fbem-7151	3	10	,	,	PUNCT
fbem-7151	3	11	but	but	CCONJ
fbem-7151	3	12	also	also	ADV
fbem-7151	3	13	has	have	VERB
fbem-7151	3	14	an	an	DET
fbem-7151	3	15	unprecedented	unprecedented	ADJ
fbem-7151	3	16	impact	impact	NOUN
fbem-7151	3	17	on	on	ADP
fbem-7151	3	18	them	they	PRON
fbem-7151	3	19	.	.	PUNCT
fbem-7151	4	1	how	how	SCONJ
fbem-7151	4	2	to	to	PART
fbem-7151	4	3	actively	actively	ADV
fbem-7151	4	4	cope	cope	VERB
fbem-7151	4	5	with	with	ADP
fbem-7151	4	6	the	the	DET
fbem-7151	4	7	impact	impact	NOUN
fbem-7151	4	8	of	of	ADP
fbem-7151	4	9	digitalization	digitalization	NOUN
fbem-7151	4	10	on	on	ADP
fbem-7151	4	11	commercial	commercial	ADJ
fbem-7151	4	12	banks	bank	NOUN
fbem-7151	4	13	and	and	CCONJ
fbem-7151	4	14	smoothly	smoothly	ADV
fbem-7151	4	15	carry	carry	VERB
fbem-7151	4	16	out	out	ADP
fbem-7151	4	17	digital	digital	ADJ
fbem-7151	4	18	transformation	transformation	NOUN
fbem-7151	4	19	has	have	AUX
fbem-7151	4	20	become	become	VERB
fbem-7151	4	21	an	an	DET
fbem-7151	4	22	urgent	urgent	ADJ
fbem-7151	4	23	problem	problem	NOUN
fbem-7151	4	24	for	for	SCONJ
fbem-7151	4	25	all	all	DET
fbem-7151	4	26	commercial	commercial	ADJ
fbem-7151	4	27	banks	bank	NOUN
fbem-7151	4	28	to	to	PART
fbem-7151	4	29	face	face	VERB
fbem-7151	4	30	.	.	PUNCT
fbem-7151	5	1	on	on	ADP
fbem-7151	5	2	the	the	DET
fbem-7151	5	3	basis	basis	NOUN
fbem-7151	5	4	of	of	ADP
fbem-7151	5	5	summarizing	summarize	VERB
fbem-7151	5	6	the	the	DET
fbem-7151	5	7	characteristics	characteristic	NOUN
fbem-7151	5	8	of	of	ADP
fbem-7151	5	9	digital	digital	ADJ
fbem-7151	5	10	development	development	NOUN
fbem-7151	5	11	and	and	CCONJ
fbem-7151	5	12	the	the	DET
fbem-7151	5	13	research	research	NOUN
fbem-7151	5	14	results	result	NOUN
fbem-7151	5	15	of	of	ADP
fbem-7151	5	16	its	its	PRON
fbem-7151	5	17	impact	impact	NOUN
fbem-7151	5	18	on	on	ADP
fbem-7151	5	19	commercial	commercial	ADJ
fbem-7151	5	20	banks	bank	NOUN
fbem-7151	5	21	,	,	PUNCT
fbem-7151	5	22	this	this	DET
fbem-7151	5	23	paper	paper	NOUN
fbem-7151	5	24	takes	take	VERB
fbem-7151	5	25	gx	gx	PROPN
fbem-7151	5	26	branch	branch	NOUN
fbem-7151	5	27	of	of	ADP
fbem-7151	5	28	china	china	PROPN
fbem-7151	5	29	construction	construction	PROPN
fbem-7151	5	30	bank	bank	PROPN
fbem-7151	5	31	as	as	ADP
fbem-7151	5	32	the	the	DET
fbem-7151	5	33	research	research	NOUN
fbem-7151	5	34	object	object	NOUN
fbem-7151	5	35	,	,	PUNCT
fbem-7151	5	36	and	and	CCONJ
fbem-7151	5	37	analyzes	analyze	VERB
fbem-7151	5	38	the	the	DET
fbem-7151	5	39	existing	exist	VERB
fbem-7151	5	40	problems	problem	NOUN
fbem-7151	5	41	in	in	ADP
fbem-7151	5	42	its	its	PRON
fbem-7151	5	43	digital	digital	ADJ
fbem-7151	5	44	transformation	transformation	NOUN
fbem-7151	5	45	and	and	CCONJ
fbem-7151	5	46	development	development	NOUN
fbem-7151	5	47	from	from	ADP
fbem-7151	5	48	the	the	DET
fbem-7151	5	49	perspectives	perspective	NOUN
fbem-7151	5	50	of	of	ADP
fbem-7151	5	51	corporate	corporate	ADJ
fbem-7151	5	52	business	business	NOUN
fbem-7151	5	53	,	,	PUNCT
fbem-7151	5	54	retail	retail	ADJ
fbem-7151	5	55	business	business	NOUN
fbem-7151	5	56	and	and	CCONJ
fbem-7151	5	57	internal	internal	ADJ
fbem-7151	5	58	management	management	NOUN
fbem-7151	5	59	from	from	ADP
fbem-7151	5	60	the	the	DET
fbem-7151	5	61	perspective	perspective	NOUN
fbem-7151	5	62	of	of	ADP
fbem-7151	5	63	its	its	PRON
fbem-7151	5	64	overall	overall	ADJ
fbem-7151	5	65	situation	situation	NOUN
fbem-7151	5	66	and	and	CCONJ
fbem-7151	5	67	digital	digital	ADJ
fbem-7151	5	68	development	development	NOUN
fbem-7151	5	69	status	status	NOUN
fbem-7151	5	70	.	.	PUNCT
fbem-7151	6	1	the	the	DET
fbem-7151	6	2	main	main	ADJ
fbem-7151	6	3	reasons	reason	NOUN
fbem-7151	6	4	lie	lie	VERB
fbem-7151	6	5	in	in	ADP
fbem-7151	6	6	the	the	DET
fbem-7151	6	7	lack	lack	NOUN
fbem-7151	6	8	of	of	ADP
fbem-7151	6	9	differentiation	differentiation	NOUN
fbem-7151	6	10	of	of	ADP
fbem-7151	6	11	digital	digital	ADJ
fbem-7151	6	12	strategy	strategy	NOUN
fbem-7151	6	13	,	,	PUNCT
fbem-7151	6	14	the	the	DET
fbem-7151	6	15	lack	lack	NOUN
fbem-7151	6	16	of	of	ADP
fbem-7151	6	17	fit	fit	NOUN
fbem-7151	6	18	between	between	ADP
fbem-7151	6	19	business	business	NOUN
fbem-7151	6	20	needs	need	NOUN
fbem-7151	6	21	and	and	CCONJ
fbem-7151	6	22	digital	digital	ADJ
fbem-7151	6	23	technology	technology	NOUN
fbem-7151	6	24	,	,	PUNCT
fbem-7151	6	25	and	and	CCONJ
fbem-7151	6	26	the	the	DET
fbem-7151	6	27	difficulty	difficulty	NOUN
fbem-7151	6	28	of	of	ADP
fbem-7151	6	29	organizational	organizational	ADJ
fbem-7151	6	30	structure	structure	NOUN
fbem-7151	6	31	to	to	PART
fbem-7151	6	32	adapt	adapt	VERB
fbem-7151	6	33	to	to	ADP
fbem-7151	6	34	the	the	DET
fbem-7151	6	35	agile	agile	ADJ
fbem-7151	6	36	culture	culture	NOUN
fbem-7151	6	37	of	of	ADP
fbem-7151	6	38	digital	digital	ADJ
fbem-7151	6	39	enterprises	enterprise	NOUN
fbem-7151	6	40	.	.	PUNCT
fbem-7151	7	1	finally	finally	ADV
fbem-7151	7	2	,	,	PUNCT
fbem-7151	7	3	the	the	DET
fbem-7151	7	4	paper	paper	NOUN
fbem-7151	7	5	puts	put	VERB
fbem-7151	7	6	forward	forward	ADV
fbem-7151	7	7	corresponding	correspond	VERB
fbem-7151	7	8	countermeasures	countermeasure	NOUN
fbem-7151	7	9	and	and	CCONJ
fbem-7151	7	10	suggestions	suggestion	NOUN
fbem-7151	7	11	from	from	ADP
fbem-7151	7	12	the	the	DET
fbem-7151	7	13	aspects	aspect	NOUN
fbem-7151	7	14	of	of	ADP
fbem-7151	7	15	building	build	VERB
fbem-7151	7	16	differentiated	differentiate	VERB
fbem-7151	7	17	digital	digital	ADJ
fbem-7151	7	18	transformation	transformation	NOUN
fbem-7151	7	19	development	development	NOUN
fbem-7151	7	20	strategy	strategy	NOUN
fbem-7151	7	21	and	and	CCONJ
fbem-7151	7	22	improving	improve	VERB
fbem-7151	7	23	business	business	NOUN
fbem-7151	7	24	operation	operation	NOUN
fbem-7151	7	25	capability	capability	NOUN
fbem-7151	7	26	.	.	PUNCT
fbem-7151	8	1	theoretically	theoretically	ADV
fbem-7151	8	2	speaking	speak	VERB
fbem-7151	8	3	,	,	PUNCT
fbem-7151	8	4	it	it	PRON
fbem-7151	8	5	is	be	AUX
fbem-7151	8	6	beneficial	beneficial	ADJ
fbem-7151	8	7	to	to	PART
fbem-7151	8	8	enrich	enrich	VERB
fbem-7151	8	9	the	the	DET
fbem-7151	8	10	research	research	NOUN
fbem-7151	8	11	of	of	ADP
fbem-7151	8	12	bank	bank	PROPN
fbem-7151	8	13	digital	digital	ADJ
fbem-7151	8	14	development	development	NOUN
fbem-7151	8	15	and	and	CCONJ
fbem-7151	8	16	promote	promote	VERB
fbem-7151	8	17	the	the	DET
fbem-7151	8	18	continuous	continuous	ADJ
fbem-7151	8	19	enrichment	enrichment	NOUN
fbem-7151	8	20	and	and	CCONJ
fbem-7151	8	21	development	development	NOUN
fbem-7151	8	22	of	of	ADP
fbem-7151	8	23	digital	digital	ADJ
fbem-7151	8	24	transformation	transformation	NOUN
fbem-7151	8	25	theory	theory	NOUN
fbem-7151	8	26	.	.	PUNCT
fbem-7151	9	1	in	in	ADP
fbem-7151	9	2	the	the	DET
fbem-7151	9	3	practical	practical	ADJ
fbem-7151	9	4	sense	sense	NOUN
fbem-7151	9	5	,	,	PUNCT
fbem-7151	9	6	through	through	ADP
fbem-7151	9	7	the	the	DET
fbem-7151	9	8	in	in	ADP
fbem-7151	9	9	-	-	PUNCT
fbem-7151	9	10	depth	depth	NOUN
fbem-7151	9	11	analysis	analysis	NOUN
fbem-7151	9	12	of	of	ADP
fbem-7151	9	13	china	china	PROPN
fbem-7151	9	14	construction	construction	PROPN
fbem-7151	9	15	bank	bank	PROPN
fbem-7151	9	16	gx	gx	PROPN
fbem-7151	9	17	branch	branch	NOUN
fbem-7151	9	18	,	,	PUNCT
fbem-7151	9	19	combined	combine	VERB
fbem-7151	9	20	with	with	ADP
fbem-7151	9	21	the	the	DET
fbem-7151	9	22	current	current	ADJ
fbem-7151	9	23	problems	problem	NOUN
fbem-7151	9	24	in	in	ADP
fbem-7151	9	25	the	the	DET
fbem-7151	9	26	digital	digital	ADJ
fbem-7151	9	27	transformation	transformation	NOUN
fbem-7151	9	28	of	of	ADP
fbem-7151	9	29	china	china	PROPN
fbem-7151	9	30	construction	construction	PROPN
fbem-7151	9	31	bank	bank	PROPN
fbem-7151	9	32	gx	gx	PROPN
fbem-7151	9	33	branch	branch	NOUN
fbem-7151	9	34	,	,	PUNCT
fbem-7151	9	35	put	put	VERB
fbem-7151	9	36	forward	forward	ADP
fbem-7151	9	37	the	the	DET
fbem-7151	9	38	corresponding	correspond	VERB
fbem-7151	9	39	countermeasures	countermeasure	NOUN
fbem-7151	9	40	and	and	CCONJ
fbem-7151	9	41	suggestions	suggestion	NOUN
fbem-7151	9	42	.	.	PUNCT
fbem-7151	10	1	this	this	PRON
fbem-7151	10	2	is	be	AUX
fbem-7151	10	3	not	not	PART
fbem-7151	10	4	only	only	ADV
fbem-7151	10	5	conducive	conducive	ADJ
fbem-7151	10	6	to	to	ADP
fbem-7151	10	7	the	the	DET
fbem-7151	10	8	continuous	continuous	ADJ
fbem-7151	10	9	improvement	improvement	NOUN
fbem-7151	10	10	of	of	ADP
fbem-7151	10	11	the	the	DET
fbem-7151	10	12	digitization	digitization	NOUN
fbem-7151	10	13	level	level	NOUN
fbem-7151	10	14	of	of	ADP
fbem-7151	10	15	the	the	DET
fbem-7151	10	16	gx	gx	PROPN
fbem-7151	10	17	branch	branch	NOUN
fbem-7151	10	18	of	of	ADP
fbem-7151	10	19	china	china	PROPN
fbem-7151	10	20	construction	construction	PROPN
fbem-7151	10	21	bank	bank	PROPN
fbem-7151	10	22	,	,	PUNCT
fbem-7151	10	23	but	but	CCONJ
fbem-7151	10	24	also	also	ADV
fbem-7151	10	25	provides	provide	VERB
fbem-7151	10	26	experience	experience	NOUN
fbem-7151	10	27	for	for	ADP
fbem-7151	10	28	the	the	DET
fbem-7151	10	29	digital	digital	ADJ
fbem-7151	10	30	transformation	transformation	NOUN
fbem-7151	10	31	and	and	CCONJ
fbem-7151	10	32	development	development	NOUN
fbem-7151	10	33	of	of	ADP
fbem-7151	10	34	interbank	interbank	NOUN
fbem-7151	10	35	banks	bank	NOUN
fbem-7151	10	36	under	under	ADP
fbem-7151	10	37	the	the	DET
fbem-7151	10	38	new	new	ADJ
fbem-7151	10	39	situation	situation	NOUN
fbem-7151	10	40	.	.	PUNCT
fbem-7151	11	1	keywords	keyword	NOUN
fbem-7151	11	2	:	:	PUNCT
fbem-7151	11	3	china	china	PROPN
fbem-7151	11	4	construction	construction	PROPN
fbem-7151	11	5	bank	bank	PROPN
fbem-7151	11	6	gx	gx	PROPN
fbem-7151	11	7	branch	branch	NOUN
fbem-7151	11	8	,	,	PUNCT
fbem-7151	11	9	digital	digital	ADJ
fbem-7151	11	10	transformation	transformation	NOUN
fbem-7151	11	11	,	,	PUNCT
fbem-7151	11	12	business	business	NOUN
fbem-7151	11	13	of	of	ADP
fbem-7151	11	14	the	the	DET
fbem-7151	11	15	company	company	NOUN
fbem-7151	11	16	,	,	PUNCT
fbem-7151	11	17	retail	retail	ADJ
fbem-7151	11	18	business	business	NOUN
fbem-7151	11	19	,	,	PUNCT
fbem-7151	11	20	internal	internal	ADJ
fbem-7151	11	21	management	management	NOUN
fbem-7151	11	22	.	.	PUNCT
fbem-7151	12	1	1	1	X
fbem-7151	12	2	.	.	X
fbem-7151	12	3	introduction	introduction	NOUN
fbem-7151	12	4	1.1	1.1	NUM
fbem-7151	12	5	.	.	PUNCT
fbem-7151	13	1	background	background	NOUN
fbem-7151	13	2	of	of	ADP
fbem-7151	13	3	the	the	DET
fbem-7151	13	4	study	study	NOUN
fbem-7151	13	5	banking	banking	NOUN
fbem-7151	13	6	is	be	AUX
fbem-7151	13	7	the	the	DET
fbem-7151	13	8	main	main	ADJ
fbem-7151	13	9	body	body	NOUN
fbem-7151	13	10	of	of	ADP
fbem-7151	13	11	modern	modern	ADJ
fbem-7151	13	12	finance	finance	NOUN
fbem-7151	13	13	and	and	CCONJ
fbem-7151	13	14	the	the	DET
fbem-7151	13	15	hub	hub	NOUN
fbem-7151	13	16	of	of	ADP
fbem-7151	13	17	national	national	ADJ
fbem-7151	13	18	economy	economy	NOUN
fbem-7151	13	19	.	.	PUNCT
fbem-7151	14	1	however	however	ADV
fbem-7151	14	2	,	,	PUNCT
fbem-7151	14	3	with	with	ADP
fbem-7151	14	4	the	the	DET
fbem-7151	14	5	rise	rise	NOUN
fbem-7151	14	6	of	of	ADP
fbem-7151	14	7	the	the	DET
fbem-7151	14	8	global	global	ADJ
fbem-7151	14	9	digital	digital	ADJ
fbem-7151	14	10	wave	wave	NOUN
fbem-7151	14	11	,	,	PUNCT
fbem-7151	14	12	the	the	DET
fbem-7151	14	13	digital	digital	ADJ
fbem-7151	14	14	transformation	transformation	NOUN
fbem-7151	14	15	of	of	ADP
fbem-7151	14	16	the	the	DET
fbem-7151	14	17	banking	banking	NOUN
fbem-7151	14	18	industry	industry	NOUN
fbem-7151	14	19	is	be	AUX
fbem-7151	14	20	imminent	imminent	ADJ
fbem-7151	14	21	.	.	PUNCT
fbem-7151	15	1	through	through	ADP
fbem-7151	15	2	the	the	DET
fbem-7151	15	3	continuous	continuous	ADJ
fbem-7151	15	4	application	application	NOUN
fbem-7151	15	5	and	and	CCONJ
fbem-7151	15	6	innovation	innovation	NOUN
fbem-7151	15	7	in	in	ADP
fbem-7151	15	8	the	the	DET
fbem-7151	15	9	financial	financial	ADJ
fbem-7151	15	10	field	field	NOUN
fbem-7151	15	11	,	,	PUNCT
fbem-7151	15	12	digital	digital	ADJ
fbem-7151	15	13	technology	technology	NOUN
fbem-7151	15	14	constantly	constantly	ADV
fbem-7151	15	15	meets	meet	VERB
fbem-7151	15	16	the	the	DET
fbem-7151	15	17	needs	need	NOUN
fbem-7151	15	18	of	of	ADP
fbem-7151	15	19	customers	customer	NOUN
fbem-7151	15	20	and	and	CCONJ
fbem-7151	15	21	rapidly	rapidly	ADV
fbem-7151	15	22	updates	update	NOUN
fbem-7151	15	23	and	and	CCONJ
fbem-7151	15	24	iterations	iteration	NOUN
fbem-7151	15	25	.	.	PUNCT
fbem-7151	16	1	in	in	ADP
fbem-7151	16	2	recent	recent	ADJ
fbem-7151	16	3	years	year	NOUN
fbem-7151	16	4	,	,	PUNCT
fbem-7151	16	5	mobile	mobile	ADJ
fbem-7151	16	6	payment	payment	NOUN
fbem-7151	16	7	,	,	PUNCT
fbem-7151	16	8	big	big	ADJ
fbem-7151	16	9	data	datum	NOUN
fbem-7151	16	10	,	,	PUNCT
fbem-7151	16	11	cloud	cloud	NOUN
fbem-7151	16	12	computing	computing	NOUN
fbem-7151	16	13	,	,	PUNCT
fbem-7151	16	14	blockchain	blockchain	PROPN
fbem-7151	16	15	,	,	PUNCT
fbem-7151	16	16	artificial	artificial	ADJ
fbem-7151	16	17	intelligence	intelligence	NOUN
fbem-7151	16	18	and	and	CCONJ
fbem-7151	16	19	other	other	ADJ
fbem-7151	16	20	technologies	technology	NOUN
fbem-7151	16	21	are	be	AUX
fbem-7151	16	22	combined	combine	VERB
fbem-7151	16	23	with	with	ADP
fbem-7151	16	24	the	the	DET
fbem-7151	16	25	financial	financial	ADJ
fbem-7151	16	26	industry	industry	NOUN
fbem-7151	16	27	,	,	PUNCT
fbem-7151	16	28	resulting	result	VERB
fbem-7151	16	29	in	in	ADP
fbem-7151	16	30	the	the	DET
fbem-7151	16	31	fintech	fintech	NOUN
fbem-7151	16	32	business	business	NOUN
fbem-7151	16	33	form	form	NOUN
fbem-7151	16	34	.	.	PUNCT
fbem-7151	17	1	digital	digital	ADJ
fbem-7151	17	2	transformation	transformation	NOUN
fbem-7151	17	3	has	have	AUX
fbem-7151	17	4	become	become	VERB
fbem-7151	17	5	the	the	DET
fbem-7151	17	6	consensus	consensus	NOUN
fbem-7151	17	7	of	of	ADP
fbem-7151	17	8	all	all	DET
fbem-7151	17	9	financial	financial	ADJ
fbem-7151	17	10	institutions	institution	NOUN
fbem-7151	17	11	.	.	PUNCT
fbem-7151	18	1	new	new	ADJ
fbem-7151	18	2	products	product	NOUN
fbem-7151	18	3	,	,	PUNCT
fbem-7151	18	4	such	such	ADJ
fbem-7151	18	5	as	as	ADP
fbem-7151	18	6	inclusive	inclusive	ADJ
fbem-7151	18	7	finance	finance	NOUN
fbem-7151	18	8	,	,	PUNCT
fbem-7151	18	9	fintech	fintech	NOUN
fbem-7151	18	10	and	and	CCONJ
fbem-7151	18	11	rural	rural	ADJ
fbem-7151	18	12	revitalization	revitalization	NOUN
fbem-7151	18	13	strategy	strategy	NOUN
fbem-7151	18	14	,	,	PUNCT
fbem-7151	18	15	such	such	ADJ
fbem-7151	18	16	as	as	ADP
fbem-7151	18	17	digital	digital	ADJ
fbem-7151	18	18	rmb	rmb	NOUN
fbem-7151	18	19	,	,	PUNCT
fbem-7151	18	20	intelligent	intelligent	ADJ
fbem-7151	18	21	bank	bank	NOUN
fbem-7151	18	22	and	and	CCONJ
fbem-7151	18	23	cloud	cloud	PROPN
fbem-7151	18	24	bank	bank	NOUN
fbem-7151	18	25	platform	platform	NOUN
fbem-7151	18	26	,	,	PUNCT
fbem-7151	18	27	have	have	AUX
fbem-7151	18	28	emerged	emerge	VERB
fbem-7151	18	29	at	at	ADP
fbem-7151	18	30	the	the	DET
fbem-7151	18	31	moment	moment	NOUN
fbem-7151	18	32	of	of	ADP
fbem-7151	18	33	digital	digital	ADJ
fbem-7151	18	34	transformation	transformation	NOUN
fbem-7151	18	35	of	of	ADP
fbem-7151	18	36	the	the	DET
fbem-7151	18	37	banking	banking	NOUN
fbem-7151	18	38	industry	industry	NOUN
fbem-7151	18	39	,	,	PUNCT
fbem-7151	18	40	which	which	PRON
fbem-7151	18	41	coincides	coincide	VERB
fbem-7151	18	42	with	with	ADP
fbem-7151	18	43	the	the	DET
fbem-7151	18	44	development	development	NOUN
fbem-7151	18	45	boom	boom	NOUN
fbem-7151	18	46	of	of	ADP
fbem-7151	18	47	the	the	DET
fbem-7151	18	48	times	time	NOUN
fbem-7151	18	49	.	.	PUNCT
fbem-7151	19	1	at	at	ADP
fbem-7151	19	2	the	the	DET
fbem-7151	19	3	same	same	ADJ
fbem-7151	19	4	time	time	NOUN
fbem-7151	19	5	,	,	PUNCT
fbem-7151	19	6	the	the	DET
fbem-7151	19	7	banking	banking	NOUN
fbem-7151	19	8	industry	industry	NOUN
fbem-7151	19	9	is	be	AUX
fbem-7151	19	10	also	also	ADV
fbem-7151	19	11	actively	actively	ADV
fbem-7151	19	12	seeking	seek	VERB
fbem-7151	19	13	cross	cross	ADJ
fbem-7151	19	14	-	-	ADJ
fbem-7151	19	15	border	border	ADJ
fbem-7151	19	16	cooperation	cooperation	NOUN
fbem-7151	19	17	with	with	ADP
fbem-7151	19	18	other	other	ADJ
fbem-7151	19	19	industries	industry	NOUN
fbem-7151	19	20	.	.	PUNCT
fbem-7151	20	1	banking	banking	NOUN
fbem-7151	20	2	digitization	digitization	NOUN
fbem-7151	20	3	,	,	PUNCT
fbem-7151	20	4	in	in	ADP
fbem-7151	20	5	the	the	DET
fbem-7151	20	6	tide	tide	NOUN
fbem-7151	20	7	of	of	ADP
fbem-7151	20	8	global	global	ADJ
fbem-7151	20	9	economy	economy	NOUN
fbem-7151	20	10	to	to	PART
fbem-7151	20	11	realize	realize	VERB
fbem-7151	20	12	its	its	PRON
fbem-7151	20	13	own	own	ADJ
fbem-7151	20	14	transformation	transformation	NOUN
fbem-7151	20	15	,	,	PUNCT
fbem-7151	20	16	has	have	VERB
fbem-7151	20	17	important	important	ADJ
fbem-7151	20	18	theoretical	theoretical	ADJ
fbem-7151	20	19	and	and	CCONJ
fbem-7151	20	20	practical	practical	ADJ
fbem-7151	20	21	significance	significance	NOUN
fbem-7151	20	22	.	.	PUNCT
fbem-7151	21	1	at	at	ADP
fbem-7151	21	2	present	present	ADJ
fbem-7151	21	3	,	,	PUNCT
fbem-7151	21	4	china	china	PROPN
fbem-7151	21	5	is	be	AUX
fbem-7151	21	6	vigorously	vigorously	ADV
fbem-7151	21	7	developing	develop	VERB
fbem-7151	21	8	the	the	DET
fbem-7151	21	9	digital	digital	ADJ
fbem-7151	21	10	economy	economy	NOUN
fbem-7151	21	11	.	.	PUNCT
fbem-7151	22	1	the	the	DET
fbem-7151	22	2	banking	banking	NOUN
fbem-7151	22	3	industry	industry	NOUN
fbem-7151	22	4	should	should	AUX
fbem-7151	22	5	focus	focus	VERB
fbem-7151	22	6	on	on	ADP
fbem-7151	22	7	the	the	DET
fbem-7151	22	8	national	national	ADJ
fbem-7151	22	9	"	"	PUNCT
fbem-7151	22	10	14th	14th	ADJ
fbem-7151	22	11	five	five	NUM
fbem-7151	22	12	-	-	PUNCT
fbem-7151	22	13	year	year	NOUN
fbem-7151	22	14	plan	plan	NOUN
fbem-7151	22	15	"	"	PUNCT
fbem-7151	22	16	,	,	PUNCT
fbem-7151	22	17	promote	promote	VERB
fbem-7151	22	18	the	the	DET
fbem-7151	22	19	industry	industry	NOUN
fbem-7151	22	20	digital	digital	ADJ
fbem-7151	22	21	transformation	transformation	NOUN
fbem-7151	22	22	,	,	PUNCT
fbem-7151	22	23	increase	increase	VERB
fbem-7151	22	24	medium	medium	ADJ
fbem-7151	22	25	and	and	CCONJ
fbem-7151	22	26	long	long	ADJ
fbem-7151	22	27	-	-	PUNCT
fbem-7151	22	28	term	term	NOUN
fbem-7151	22	29	capital	capital	NOUN
fbem-7151	22	30	supply	supply	NOUN
fbem-7151	22	31	,	,	PUNCT
fbem-7151	22	32	actively	actively	ADV
fbem-7151	22	33	promote	promote	VERB
fbem-7151	22	34	the	the	DET
fbem-7151	22	35	national	national	ADJ
fbem-7151	22	36	development	development	NOUN
fbem-7151	22	37	,	,	PUNCT
fbem-7151	22	38	and	and	CCONJ
fbem-7151	22	39	implement	implement	VERB
fbem-7151	22	40	the	the	DET
fbem-7151	22	41	regional	regional	ADJ
fbem-7151	22	42	development	development	NOUN
fbem-7151	22	43	strategy	strategy	NOUN
fbem-7151	22	44	.	.	PUNCT
fbem-7151	23	1	for	for	ADP
fbem-7151	23	2	major	major	ADJ
fbem-7151	23	3	projects	project	NOUN
fbem-7151	23	4	,	,	PUNCT
fbem-7151	23	5	banks	bank	NOUN
fbem-7151	23	6	should	should	AUX
fbem-7151	23	7	lend	lend	VERB
fbem-7151	23	8	as	as	ADV
fbem-7151	23	9	much	much	ADV
fbem-7151	23	10	as	as	SCONJ
fbem-7151	23	11	they	they	PRON
fbem-7151	23	12	can	can	AUX
fbem-7151	23	13	,	,	PUNCT
fbem-7151	23	14	as	as	ADV
fbem-7151	23	15	quickly	quickly	ADV
fbem-7151	23	16	as	as	SCONJ
fbem-7151	23	17	they	they	PRON
fbem-7151	23	18	can	can	AUX
fbem-7151	23	19	.	.	PUNCT
fbem-7151	24	1	(	(	PUNCT
fbem-7151	24	2	guo	guo	PROPN
fbem-7151	24	3	chen,2021	chen,2021	NOUN
fbem-7151	24	4	)	)	PUNCT
fbem-7151	24	5	.	.	PUNCT
fbem-7151	25	1	several	several	ADJ
fbem-7151	25	2	banking	banking	NOUN
fbem-7151	25	3	institutions	institution	NOUN
fbem-7151	25	4	said	say	VERB
fbem-7151	25	5	they	they	PRON
fbem-7151	25	6	will	will	AUX
fbem-7151	25	7	continue	continue	VERB
fbem-7151	25	8	to	to	PART
fbem-7151	25	9	leverage	leverage	VERB
fbem-7151	25	10	their	their	PRON
fbem-7151	25	11	strengths	strength	NOUN
fbem-7151	25	12	in	in	ADP
fbem-7151	25	13	financing	financing	NOUN
fbem-7151	25	14	and	and	CCONJ
fbem-7151	25	15	digital	digital	ADJ
fbem-7151	25	16	intelligence	intelligence	NOUN
fbem-7151	25	17	to	to	PART
fbem-7151	25	18	provide	provide	VERB
fbem-7151	25	19	high	high	ADJ
fbem-7151	25	20	-	-	PUNCT
fbem-7151	25	21	quality	quality	NOUN
fbem-7151	25	22	and	and	CCONJ
fbem-7151	25	23	efficient	efficient	ADJ
fbem-7151	25	24	comprehensive	comprehensive	ADJ
fbem-7151	25	25	financial	financial	ADJ
fbem-7151	25	26	services	service	NOUN
fbem-7151	25	27	for	for	ADP
fbem-7151	25	28	regional	regional	ADJ
fbem-7151	25	29	development	development	NOUN
fbem-7151	25	30	and	and	CCONJ
fbem-7151	25	31	construction	construction	NOUN
fbem-7151	25	32	.	.	PUNCT
fbem-7151	26	1	we	we	PRON
fbem-7151	26	2	will	will	AUX
fbem-7151	26	3	build	build	VERB
fbem-7151	26	4	a	a	DET
fbem-7151	26	5	digital	digital	ADJ
fbem-7151	26	6	smart	smart	ADJ
fbem-7151	26	7	society	society	NOUN
fbem-7151	26	8	and	and	CCONJ
fbem-7151	26	9	a	a	DET
fbem-7151	26	10	digital	digital	ADJ
fbem-7151	26	11	government	government	NOUN
fbem-7151	26	12	,	,	PUNCT
fbem-7151	26	13	and	and	CCONJ
fbem-7151	26	14	promote	promote	VERB
fbem-7151	26	15	industrial	industrial	ADJ
fbem-7151	26	16	transformation	transformation	NOUN
fbem-7151	26	17	and	and	CCONJ
fbem-7151	26	18	upgrading	upgrading	NOUN
fbem-7151	26	19	and	and	CCONJ
fbem-7151	26	20	coordinated	coordinate	VERB
fbem-7151	26	21	development	development	NOUN
fbem-7151	26	22	among	among	ADP
fbem-7151	26	23	regions	region	NOUN
fbem-7151	26	24	.	.	PUNCT
fbem-7151	27	1	the	the	DET
fbem-7151	27	2	"	"	PUNCT
fbem-7151	27	3	fintech	fintech	NOUN
fbem-7151	27	4	(	(	PUNCT
fbem-7151	27	5	fintech	fintech	NOUN
fbem-7151	27	6	)	)	PUNCT
fbem-7151	27	7	development	development	NOUN
fbem-7151	27	8	plan	plan	NOUN
fbem-7151	27	9	(	(	PUNCT
fbem-7151	27	10	2019	2019	NUM
fbem-7151	27	11	-	-	SYM
fbem-7151	27	12	2021	2021	NUM
fbem-7151	27	13	)	)	PUNCT
fbem-7151	27	14	"	"	PUNCT
fbem-7151	27	15	issued	issue	VERB
fbem-7151	27	16	by	by	ADP
fbem-7151	27	17	the	the	DET
fbem-7151	27	18	people	people	NOUN
fbem-7151	27	19	's	's	PART
fbem-7151	27	20	bank	bank	PROPN
fbem-7151	27	21	of	of	ADP
fbem-7151	27	22	china	china	PROPN
fbem-7151	27	23	provides	provide	VERB
fbem-7151	27	24	strong	strong	ADJ
fbem-7151	27	25	guidance	guidance	NOUN
fbem-7151	27	26	for	for	ADP
fbem-7151	27	27	the	the	DET
fbem-7151	27	28	transformation	transformation	NOUN
fbem-7151	27	29	of	of	ADP
fbem-7151	27	30	the	the	DET
fbem-7151	27	31	banking	banking	NOUN
fbem-7151	27	32	industry	industry	NOUN
fbem-7151	27	33	to	to	PART
fbem-7151	27	34	promote	promote	VERB
fbem-7151	27	35	regional	regional	ADJ
fbem-7151	27	36	development	development	NOUN
fbem-7151	27	37	,	,	PUNCT
fbem-7151	27	38	and	and	CCONJ
fbem-7151	27	39	it	it	PRON
fbem-7151	27	40	is	be	AUX
fbem-7151	27	41	urgent	urgent	ADJ
fbem-7151	27	42	to	to	PART
fbem-7151	27	43	realize	realize	VERB
fbem-7151	27	44	comprehensive	comprehensive	ADJ
fbem-7151	27	45	digital	digital	ADJ
fbem-7151	27	46	transformation	transformation	NOUN
fbem-7151	27	47	.	.	PUNCT
fbem-7151	28	1	(	(	PUNCT
fbem-7151	28	2	zhou,2021	zhou,2021	NOUN
fbem-7151	28	3	)	)	PUNCT
fbem-7151	28	4	.	.	PUNCT
fbem-7151	29	1	1.2	1.2	NUM
fbem-7151	29	2	.	.	PUNCT
fbem-7151	29	3	problems	problem	NOUN
fbem-7151	29	4	of	of	ADP
fbem-7151	29	5	the	the	DET
fbem-7151	29	6	study	study	NOUN
fbem-7151	29	7	the	the	DET
fbem-7151	29	8	functions	function	NOUN
fbem-7151	29	9	of	of	ADP
fbem-7151	29	10	china	china	PROPN
fbem-7151	29	11	construction	construction	PROPN
fbem-7151	29	12	bank	bank	PROPN
fbem-7151	29	13	can	can	AUX
fbem-7151	29	14	be	be	AUX
fbem-7151	29	15	divided	divide	VERB
fbem-7151	29	16	into	into	ADP
fbem-7151	29	17	corporate	corporate	ADJ
fbem-7151	29	18	business	business	NOUN
fbem-7151	29	19	,	,	PUNCT
fbem-7151	29	20	retail	retail	ADJ
fbem-7151	29	21	business	business	NOUN
fbem-7151	29	22	and	and	CCONJ
fbem-7151	29	23	internal	internal	ADJ
fbem-7151	29	24	management	management	NOUN
fbem-7151	29	25	.	.	PUNCT
fbem-7151	30	1	so	so	ADV
fbem-7151	30	2	how	how	SCONJ
fbem-7151	30	3	to	to	PART
fbem-7151	30	4	better	well	ADV
fbem-7151	30	5	promote	promote	VERB
fbem-7151	30	6	the	the	DET
fbem-7151	30	7	digital	digital	ADJ
fbem-7151	30	8	transformation	transformation	NOUN
fbem-7151	30	9	of	of	ADP
fbem-7151	30	10	gx	gx	PROPN
fbem-7151	30	11	branch	branch	PROPN
fbem-7151	30	12	of	of	ADP
fbem-7151	30	13	china	china	PROPN
fbem-7151	30	14	construction	construction	PROPN
fbem-7151	30	15	bank	bank	PROPN
fbem-7151	30	16	from	from	ADP
fbem-7151	30	17	these	these	DET
fbem-7151	30	18	three	three	NUM
fbem-7151	30	19	directions	direction	NOUN
fbem-7151	30	20	has	have	AUX
fbem-7151	30	21	become	become	VERB
fbem-7151	30	22	the	the	DET
fbem-7151	30	23	three	three	NUM
fbem-7151	30	24	major	major	ADJ
fbem-7151	30	25	issues	issue	NOUN
fbem-7151	30	26	in	in	ADP
fbem-7151	30	27	the	the	DET
fbem-7151	30	28	research	research	NOUN
fbem-7151	30	29	.	.	PUNCT
fbem-7151	31	1	first	first	ADV
fbem-7151	31	2	,	,	PUNCT
fbem-7151	31	3	the	the	DET
fbem-7151	31	4	digital	digital	ADJ
fbem-7151	31	5	transformation	transformation	NOUN
fbem-7151	31	6	and	and	CCONJ
fbem-7151	31	7	upgrading	upgrading	NOUN
fbem-7151	31	8	of	of	ADP
fbem-7151	31	9	bank	bank	NOUN
fbem-7151	31	10	's	's	PART
fbem-7151	31	11	corporate	corporate	ADJ
fbem-7151	31	12	business	business	NOUN
fbem-7151	31	13	is	be	AUX
fbem-7151	31	14	imminent	imminent	ADJ
fbem-7151	31	15	,	,	PUNCT
fbem-7151	31	16	but	but	CCONJ
fbem-7151	31	17	thinking	think	VERB
fbem-7151	31	18	about	about	ADP
fbem-7151	31	19	new	new	ADJ
fbem-7151	31	20	development	development	NOUN
fbem-7151	31	21	concepts	concept	NOUN
fbem-7151	31	22	according	accord	VERB
fbem-7151	31	23	to	to	ADP
fbem-7151	31	24	old	old	ADJ
fbem-7151	31	25	formulas	formula	NOUN
fbem-7151	31	26	and	and	CCONJ
fbem-7151	31	27	old	old	ADJ
fbem-7151	31	28	games	game	NOUN
fbem-7151	31	29	seems	seem	VERB
fbem-7151	31	30	to	to	PART
fbem-7151	31	31	lack	lack	VERB
fbem-7151	31	32	the	the	DET
fbem-7151	31	33	motivation	motivation	NOUN
fbem-7151	31	34	to	to	PART
fbem-7151	31	35	adapt	adapt	VERB
fbem-7151	31	36	to	to	ADP
fbem-7151	31	37	fast	fast	ADV
fbem-7151	31	38	-	-	PUNCT
fbem-7151	31	39	paced	pace	VERB
fbem-7151	31	40	changes	change	NOUN
fbem-7151	31	41	(	(	PUNCT
fbem-7151	31	42	guo&chen,2021	guo&chen,2021	NOUN
fbem-7151	31	43	)	)	PUNCT
fbem-7151	31	44	.	.	PUNCT
fbem-7151	32	1	what	what	PRON
fbem-7151	32	2	help	help	VERB
fbem-7151	32	3	the	the	DET
fbem-7151	32	4	enterprise	enterprise	NOUN
fbem-7151	32	5	business	business	NOUN
fbem-7151	32	6	transformation	transformation	NOUN
fbem-7151	32	7	can	can	AUX
fbem-7151	32	8	bring	bring	VERB
fbem-7151	32	9	to	to	ADP
fbem-7151	32	10	the	the	DET
fbem-7151	32	11	whole	whole	NOUN
fbem-7151	32	12	is	be	AUX
fbem-7151	32	13	an	an	DET
fbem-7151	32	14	urgent	urgent	ADJ
fbem-7151	32	15	problem	problem	NOUN
fbem-7151	32	16	to	to	PART
fbem-7151	32	17	be	be	AUX
fbem-7151	32	18	solved	solve	VERB
fbem-7151	32	19	in	in	ADP
fbem-7151	32	20	the	the	DET
fbem-7151	32	21	current	current	ADJ
fbem-7151	32	22	digital	digital	ADJ
fbem-7151	32	23	banking	banking	NOUN
fbem-7151	32	24	business	business	NOUN
fbem-7151	32	25	transformation	transformation	NOUN
fbem-7151	32	26	.	.	PUNCT
fbem-7151	33	1	second	second	ADJ
fbem-7151	33	2	,	,	PUNCT
fbem-7151	33	3	the	the	DET
fbem-7151	33	4	digital	digital	ADJ
fbem-7151	33	5	transformation	transformation	NOUN
fbem-7151	33	6	of	of	ADP
fbem-7151	33	7	bank	bank	NOUN
fbem-7151	33	8	retail	retail	ADJ
fbem-7151	33	9	business	business	NOUN
fbem-7151	33	10	is	be	AUX
fbem-7151	33	11	conducive	conducive	ADJ
fbem-7151	33	12	to	to	ADP
fbem-7151	33	13	speeding	speed	VERB
fbem-7151	33	14	up	up	ADP
fbem-7151	33	15	information	information	NOUN
fbem-7151	33	16	screening	screening	NOUN
fbem-7151	33	17	and	and	CCONJ
fbem-7151	33	18	208	208	NUM
fbem-7151	33	19	improving	improve	VERB
fbem-7151	33	20	transmission	transmission	NOUN
fbem-7151	33	21	efficiency	efficiency	NOUN
fbem-7151	33	22	.	.	PUNCT
fbem-7151	34	1	banks	bank	NOUN
fbem-7151	34	2	tend	tend	VERB
fbem-7151	34	3	to	to	PART
fbem-7151	34	4	ignore	ignore	VERB
fbem-7151	34	5	more	more	ADJ
fbem-7151	34	6	groups	group	NOUN
fbem-7151	34	7	in	in	ADP
fbem-7151	34	8	need	need	NOUN
fbem-7151	34	9	of	of	ADP
fbem-7151	34	10	service	service	NOUN
fbem-7151	34	11	support	support	NOUN
fbem-7151	34	12	,	,	PUNCT
fbem-7151	34	13	while	while	SCONJ
fbem-7151	34	14	the	the	DET
fbem-7151	34	15	digital	digital	ADJ
fbem-7151	34	16	transformation	transformation	NOUN
fbem-7151	34	17	of	of	ADP
fbem-7151	34	18	retail	retail	ADJ
fbem-7151	34	19	business	business	NOUN
fbem-7151	34	20	can	can	AUX
fbem-7151	34	21	better	well	ADV
fbem-7151	34	22	convey	convey	VERB
fbem-7151	34	23	the	the	DET
fbem-7151	34	24	needs	need	NOUN
fbem-7151	34	25	of	of	ADP
fbem-7151	34	26	the	the	DET
fbem-7151	34	27	masses	masse	NOUN
fbem-7151	34	28	(	(	PUNCT
fbem-7151	34	29	ye	ye	NOUN
fbem-7151	34	30	,	,	PUNCT
fbem-7151	34	31	wu	wu	PROPN
fbem-7151	34	32	,	,	PUNCT
fbem-7151	34	33	&	&	CCONJ
fbem-7151	34	34	lian,2019	lian,2019	NOUN
fbem-7151	34	35	)	)	PUNCT
fbem-7151	34	36	.	.	PUNCT
fbem-7151	35	1	therefore	therefore	ADV
fbem-7151	35	2	,	,	PUNCT
fbem-7151	35	3	how	how	SCONJ
fbem-7151	35	4	to	to	PART
fbem-7151	35	5	carry	carry	VERB
fbem-7151	35	6	on	on	ADP
fbem-7151	35	7	the	the	DET
fbem-7151	35	8	digital	digital	ADJ
fbem-7151	35	9	transformation	transformation	NOUN
fbem-7151	35	10	from	from	ADP
fbem-7151	35	11	the	the	DET
fbem-7151	35	12	retail	retail	ADJ
fbem-7151	35	13	business	business	NOUN
fbem-7151	35	14	of	of	ADP
fbem-7151	35	15	banks	bank	NOUN
fbem-7151	35	16	has	have	AUX
fbem-7151	35	17	become	become	VERB
fbem-7151	35	18	a	a	DET
fbem-7151	35	19	major	major	ADJ
fbem-7151	35	20	issue	issue	NOUN
fbem-7151	35	21	to	to	PART
fbem-7151	35	22	be	be	AUX
fbem-7151	35	23	considered	consider	VERB
fbem-7151	35	24	.	.	PUNCT
fbem-7151	36	1	third	third	ADJ
fbem-7151	36	2	,	,	PUNCT
fbem-7151	36	3	the	the	DET
fbem-7151	36	4	success	success	NOUN
fbem-7151	36	5	of	of	ADP
fbem-7151	36	6	any	any	DET
fbem-7151	36	7	reform	reform	NOUN
fbem-7151	36	8	can	can	AUX
fbem-7151	36	9	not	not	PART
fbem-7151	36	10	be	be	AUX
fbem-7151	36	11	separated	separate	VERB
fbem-7151	36	12	from	from	ADP
fbem-7151	36	13	the	the	DET
fbem-7151	36	14	positive	positive	ADJ
fbem-7151	36	15	adjustment	adjustment	NOUN
fbem-7151	36	16	of	of	ADP
fbem-7151	36	17	internal	internal	ADJ
fbem-7151	36	18	management	management	NOUN
fbem-7151	36	19	.	.	PUNCT
fbem-7151	37	1	internal	internal	ADJ
fbem-7151	37	2	management	management	NOUN
fbem-7151	37	3	of	of	ADP
fbem-7151	37	4	banks	bank	NOUN
fbem-7151	37	5	can	can	AUX
fbem-7151	37	6	be	be	AUX
fbem-7151	37	7	strengthened	strengthen	VERB
fbem-7151	37	8	by	by	ADP
fbem-7151	37	9	improving	improve	VERB
fbem-7151	37	10	agile	agile	ADJ
fbem-7151	37	11	processing	processing	NOUN
fbem-7151	37	12	ability	ability	NOUN
fbem-7151	37	13	,	,	PUNCT
fbem-7151	37	14	stabilizing	stabilize	VERB
fbem-7151	37	15	data	datum	NOUN
fbem-7151	37	16	centers	center	NOUN
fbem-7151	37	17	,	,	PUNCT
fbem-7151	37	18	building	build	VERB
fbem-7151	37	19	intelligent	intelligent	ADJ
fbem-7151	37	20	digital	digital	ADJ
fbem-7151	37	21	systems	system	NOUN
fbem-7151	37	22	,	,	PUNCT
fbem-7151	37	23	etc	etc	X
fbem-7151	37	24	.	.	X
fbem-7151	38	1	(	(	PUNCT
fbem-7151	38	2	feng	feng	PROPN
fbem-7151	38	3	tutor	tutor	NOUN
fbem-7151	38	4	,	,	PUNCT
fbem-7151	38	5	l	l	PROPN
fbem-7151	38	6	bank	bank	NOUN
fbem-7151	38	7	digital	digital	ADJ
fbem-7151	38	8	transformation	transformation	NOUN
fbem-7151	38	9	research	research	NOUN
fbem-7151	38	10	)	)	PUNCT
fbem-7151	38	11	.	.	PUNCT
fbem-7151	39	1	therefore	therefore	ADV
fbem-7151	39	2	,	,	PUNCT
fbem-7151	39	3	how	how	SCONJ
fbem-7151	39	4	to	to	PART
fbem-7151	39	5	effectively	effectively	ADV
fbem-7151	39	6	carry	carry	VERB
fbem-7151	39	7	out	out	ADP
fbem-7151	39	8	the	the	DET
fbem-7151	39	9	digital	digital	ADJ
fbem-7151	39	10	transformation	transformation	NOUN
fbem-7151	39	11	of	of	ADP
fbem-7151	39	12	bank	bank	PROPN
fbem-7151	39	13	internal	internal	ADJ
fbem-7151	39	14	management	management	NOUN
fbem-7151	39	15	is	be	AUX
fbem-7151	39	16	also	also	ADV
fbem-7151	39	17	a	a	DET
fbem-7151	39	18	problem	problem	NOUN
fbem-7151	39	19	that	that	PRON
fbem-7151	39	20	needs	need	VERB
fbem-7151	39	21	to	to	PART
fbem-7151	39	22	be	be	AUX
fbem-7151	39	23	paid	pay	VERB
fbem-7151	39	24	attention	attention	NOUN
fbem-7151	39	25	to	to	ADP
fbem-7151	39	26	.	.	PUNCT
fbem-7151	40	1	construction	construction	PROPN
fbem-7151	40	2	bank	bank	PROPN
fbem-7151	40	3	gx	gx	PROPN
fbem-7151	40	4	branch	branch	PROPN
fbem-7151	40	5	digital	digital	ADJ
fbem-7151	40	6	transformation	transformation	NOUN
fbem-7151	40	7	is	be	AUX
fbem-7151	40	8	imminent	imminent	ADJ
fbem-7151	40	9	.	.	PUNCT
fbem-7151	41	1	how	how	SCONJ
fbem-7151	41	2	to	to	PART
fbem-7151	41	3	coordinate	coordinate	VERB
fbem-7151	41	4	the	the	DET
fbem-7151	41	5	digital	digital	ADJ
fbem-7151	41	6	transformation	transformation	NOUN
fbem-7151	41	7	of	of	ADP
fbem-7151	41	8	the	the	DET
fbem-7151	41	9	bank	bank	NOUN
fbem-7151	41	10	's	's	PART
fbem-7151	41	11	public	public	ADJ
fbem-7151	41	12	business	business	NOUN
fbem-7151	41	13	,	,	PUNCT
fbem-7151	41	14	retail	retail	ADJ
fbem-7151	41	15	business	business	NOUN
fbem-7151	41	16	and	and	CCONJ
fbem-7151	41	17	internal	internal	ADJ
fbem-7151	41	18	management	management	NOUN
fbem-7151	41	19	from	from	ADP
fbem-7151	41	20	the	the	DET
fbem-7151	41	21	overall	overall	ADJ
fbem-7151	41	22	level	level	NOUN
fbem-7151	41	23	and	and	CCONJ
fbem-7151	41	24	promote	promote	VERB
fbem-7151	41	25	the	the	DET
fbem-7151	41	26	development	development	NOUN
fbem-7151	41	27	of	of	ADP
fbem-7151	41	28	china	china	PROPN
fbem-7151	41	29	construction	construction	PROPN
fbem-7151	41	30	bank	bank	PROPN
fbem-7151	41	31	gx	gx	PROPN
fbem-7151	41	32	branch	branch	PROPN
fbem-7151	41	33	are	be	AUX
fbem-7151	41	34	the	the	DET
fbem-7151	41	35	three	three	NUM
fbem-7151	41	36	main	main	ADJ
fbem-7151	41	37	issues	issue	NOUN
fbem-7151	41	38	studied	study	VERB
fbem-7151	41	39	in	in	ADP
fbem-7151	41	40	this	this	DET
fbem-7151	41	41	paper	paper	NOUN
fbem-7151	41	42	.	.	PUNCT
fbem-7151	42	1	1.3	1.3	NUM
fbem-7151	42	2	.	.	PUNCT
fbem-7151	43	1	objective	objective	NOUN
fbem-7151	43	2	of	of	ADP
fbem-7151	43	3	the	the	DET
fbem-7151	43	4	study	study	NOUN
fbem-7151	43	5	as	as	SCONJ
fbem-7151	43	6	mentioned	mention	VERB
fbem-7151	43	7	above	above	ADV
fbem-7151	43	8	,	,	PUNCT
fbem-7151	43	9	traditional	traditional	ADJ
fbem-7151	43	10	commercial	commercial	ADJ
fbem-7151	43	11	banks	bank	NOUN
fbem-7151	43	12	are	be	AUX
fbem-7151	43	13	facing	face	VERB
fbem-7151	43	14	such	such	ADJ
fbem-7151	43	15	problems	problem	NOUN
fbem-7151	43	16	as	as	ADP
fbem-7151	43	17	changing	change	VERB
fbem-7151	43	18	customer	customer	NOUN
fbem-7151	43	19	demand	demand	NOUN
fbem-7151	43	20	,	,	PUNCT
fbem-7151	43	21	product	product	NOUN
fbem-7151	43	22	business	business	NOUN
fbem-7151	43	23	innovation	innovation	NOUN
fbem-7151	43	24	and	and	CCONJ
fbem-7151	43	25	increasingly	increasingly	ADV
fbem-7151	43	26	fierce	fierce	ADJ
fbem-7151	43	27	industry	industry	NOUN
fbem-7151	43	28	competition	competition	NOUN
fbem-7151	43	29	,	,	PUNCT
fbem-7151	43	30	and	and	CCONJ
fbem-7151	43	31	are	be	AUX
fbem-7151	43	32	in	in	ADP
fbem-7151	43	33	urgent	urgent	ADJ
fbem-7151	43	34	need	need	NOUN
fbem-7151	43	35	of	of	ADP
fbem-7151	43	36	transformation	transformation	NOUN
fbem-7151	43	37	and	and	CCONJ
fbem-7151	43	38	upgrading	upgrading	NOUN
fbem-7151	43	39	to	to	PART
fbem-7151	43	40	realize	realize	VERB
fbem-7151	43	41	digital	digital	ADJ
fbem-7151	43	42	operation	operation	NOUN
fbem-7151	43	43	,	,	PUNCT
fbem-7151	43	44	so	so	SCONJ
fbem-7151	43	45	as	as	SCONJ
fbem-7151	43	46	to	to	PART
fbem-7151	43	47	find	find	VERB
fbem-7151	43	48	out	out	ADP
fbem-7151	43	49	the	the	DET
fbem-7151	43	50	future	future	ADJ
fbem-7151	43	51	development	development	NOUN
fbem-7151	43	52	direction	direction	NOUN
fbem-7151	43	53	of	of	ADP
fbem-7151	43	54	digital	digital	ADJ
fbem-7151	43	55	transformation	transformation	NOUN
fbem-7151	43	56	of	of	ADP
fbem-7151	43	57	gx	gx	PROPN
fbem-7151	43	58	branch	branch	PROPN
fbem-7151	43	59	of	of	ADP
fbem-7151	43	60	china	china	PROPN
fbem-7151	43	61	construction	construction	PROPN
fbem-7151	43	62	bank	bank	PROPN
fbem-7151	43	63	.	.	PUNCT
fbem-7151	44	1	the	the	DET
fbem-7151	44	2	main	main	ADJ
fbem-7151	44	3	research	research	NOUN
fbem-7151	44	4	purposes	purpose	NOUN
fbem-7151	44	5	of	of	ADP
fbem-7151	44	6	this	this	DET
fbem-7151	44	7	paper	paper	NOUN
fbem-7151	44	8	are	be	AUX
fbem-7151	44	9	as	as	SCONJ
fbem-7151	44	10	follows	follow	VERB
fbem-7151	44	11	:	:	PUNCT
fbem-7151	44	12	1	1	X
fbem-7151	44	13	.	.	X
fbem-7151	44	14	discussing	discuss	VERB
fbem-7151	44	15	the	the	DET
fbem-7151	44	16	digital	digital	ADJ
fbem-7151	44	17	transformation	transformation	NOUN
fbem-7151	44	18	of	of	ADP
fbem-7151	44	19	bank	bank	NOUN
fbem-7151	44	20	corporate	corporate	ADJ
fbem-7151	44	21	business	business	NOUN
fbem-7151	44	22	is	be	AUX
fbem-7151	44	23	conducive	conducive	ADJ
fbem-7151	44	24	to	to	ADP
fbem-7151	44	25	the	the	DET
fbem-7151	44	26	digital	digital	ADJ
fbem-7151	44	27	transformation	transformation	NOUN
fbem-7151	44	28	of	of	ADP
fbem-7151	44	29	gx	gx	PROPN
fbem-7151	44	30	branch	branch	PROPN
fbem-7151	44	31	of	of	ADP
fbem-7151	44	32	china	china	PROPN
fbem-7151	44	33	construction	construction	PROPN
fbem-7151	44	34	bank	bank	PROPN
fbem-7151	44	35	.	.	PUNCT
fbem-7151	45	1	2	2	X
fbem-7151	45	2	.	.	X
fbem-7151	45	3	discuss	discuss	VERB
fbem-7151	45	4	how	how	SCONJ
fbem-7151	45	5	digital	digital	ADJ
fbem-7151	45	6	transformation	transformation	NOUN
fbem-7151	45	7	of	of	ADP
fbem-7151	45	8	bank	bank	NOUN
fbem-7151	45	9	retail	retail	ADJ
fbem-7151	45	10	business	business	NOUN
fbem-7151	45	11	can	can	AUX
fbem-7151	45	12	promote	promote	VERB
fbem-7151	45	13	the	the	DET
fbem-7151	45	14	development	development	NOUN
fbem-7151	45	15	of	of	ADP
fbem-7151	45	16	digital	digital	ADJ
fbem-7151	45	17	transformation	transformation	NOUN
fbem-7151	45	18	of	of	ADP
fbem-7151	45	19	gx	gx	PROPN
fbem-7151	45	20	branch	branch	PROPN
fbem-7151	45	21	of	of	ADP
fbem-7151	45	22	china	china	PROPN
fbem-7151	45	23	construction	construction	PROPN
fbem-7151	45	24	bank	bank	PROPN
fbem-7151	45	25	.	.	PUNCT
fbem-7151	46	1	3	3	X
fbem-7151	46	2	.	.	X
fbem-7151	46	3	discussing	discuss	VERB
fbem-7151	46	4	the	the	DET
fbem-7151	46	5	digital	digital	ADJ
fbem-7151	46	6	transformation	transformation	NOUN
fbem-7151	46	7	of	of	ADP
fbem-7151	46	8	the	the	DET
fbem-7151	46	9	bank	bank	NOUN
fbem-7151	46	10	's	's	PART
fbem-7151	46	11	internal	internal	ADJ
fbem-7151	46	12	management	management	NOUN
fbem-7151	46	13	can	can	AUX
fbem-7151	46	14	make	make	VERB
fbem-7151	46	15	the	the	DET
fbem-7151	46	16	digital	digital	ADJ
fbem-7151	46	17	transformation	transformation	NOUN
fbem-7151	46	18	of	of	ADP
fbem-7151	46	19	gx	gx	PROPN
fbem-7151	46	20	branch	branch	PROPN
fbem-7151	46	21	of	of	ADP
fbem-7151	46	22	china	china	PROPN
fbem-7151	46	23	construction	construction	PROPN
fbem-7151	46	24	bank	bank	PROPN
fbem-7151	46	25	more	more	ADV
fbem-7151	46	26	stable	stable	ADJ
fbem-7151	46	27	.	.	PUNCT
fbem-7151	47	1	1.4	1.4	NUM
fbem-7151	47	2	.	.	PUNCT
fbem-7151	47	3	scope	scope	NOUN
fbem-7151	47	4	of	of	ADP
fbem-7151	47	5	the	the	DET
fbem-7151	47	6	study	study	NOUN
fbem-7151	47	7	the	the	DET
fbem-7151	47	8	focus	focus	NOUN
fbem-7151	47	9	of	of	ADP
fbem-7151	47	10	this	this	DET
fbem-7151	47	11	study	study	NOUN
fbem-7151	47	12	is	be	AUX
fbem-7151	47	13	to	to	PART
fbem-7151	47	14	discuss	discuss	VERB
fbem-7151	47	15	and	and	CCONJ
fbem-7151	47	16	solve	solve	VERB
fbem-7151	47	17	the	the	DET
fbem-7151	47	18	problems	problem	NOUN
fbem-7151	47	19	encountered	encounter	VERB
fbem-7151	47	20	in	in	ADP
fbem-7151	47	21	the	the	DET
fbem-7151	47	22	digital	digital	ADJ
fbem-7151	47	23	transformation	transformation	NOUN
fbem-7151	47	24	of	of	ADP
fbem-7151	47	25	gx	gx	PROPN
fbem-7151	47	26	branch	branch	PROPN
fbem-7151	47	27	of	of	ADP
fbem-7151	47	28	china	china	PROPN
fbem-7151	47	29	construction	construction	PROPN
fbem-7151	47	30	bank	bank	PROPN
fbem-7151	47	31	,	,	PUNCT
fbem-7151	47	32	and	and	CCONJ
fbem-7151	47	33	give	give	VERB
fbem-7151	47	34	reference	reference	NOUN
fbem-7151	47	35	suggestions	suggestion	NOUN
fbem-7151	47	36	from	from	ADP
fbem-7151	47	37	three	three	NUM
fbem-7151	47	38	aspects	aspect	NOUN
fbem-7151	47	39	:	:	PUNCT
fbem-7151	47	40	corporate	corporate	ADJ
fbem-7151	47	41	business	business	NOUN
fbem-7151	47	42	,	,	PUNCT
fbem-7151	47	43	retail	retail	ADJ
fbem-7151	47	44	business	business	NOUN
fbem-7151	47	45	and	and	CCONJ
fbem-7151	47	46	internal	internal	ADJ
fbem-7151	47	47	management	management	NOUN
fbem-7151	47	48	.	.	PUNCT
fbem-7151	48	1	through	through	ADP
fbem-7151	48	2	a	a	DET
fbem-7151	48	3	large	large	ADJ
fbem-7151	48	4	number	number	NOUN
fbem-7151	48	5	of	of	ADP
fbem-7151	48	6	literature	literature	NOUN
fbem-7151	48	7	review	review	NOUN
fbem-7151	48	8	and	and	CCONJ
fbem-7151	48	9	theoretical	theoretical	ADJ
fbem-7151	48	10	review	review	NOUN
fbem-7151	48	11	in	in	ADP
fbem-7151	48	12	the	the	DET
fbem-7151	48	13	above	above	ADJ
fbem-7151	48	14	aspects	aspect	NOUN
fbem-7151	48	15	,	,	PUNCT
fbem-7151	48	16	the	the	DET
fbem-7151	48	17	development	development	NOUN
fbem-7151	48	18	strategy	strategy	NOUN
fbem-7151	48	19	of	of	ADP
fbem-7151	48	20	digital	digital	ADJ
fbem-7151	48	21	transformation	transformation	NOUN
fbem-7151	48	22	is	be	AUX
fbem-7151	48	23	discussed	discuss	VERB
fbem-7151	48	24	from	from	ADP
fbem-7151	48	25	multiple	multiple	ADJ
fbem-7151	48	26	perspectives	perspective	NOUN
fbem-7151	48	27	,	,	PUNCT
fbem-7151	48	28	and	and	CCONJ
fbem-7151	48	29	the	the	DET
fbem-7151	48	30	theoretical	theoretical	ADJ
fbem-7151	48	31	framework	framework	NOUN
fbem-7151	48	32	is	be	AUX
fbem-7151	48	33	constructed	construct	VERB
fbem-7151	48	34	.	.	PUNCT
fbem-7151	49	1	finally	finally	ADV
fbem-7151	49	2	,	,	PUNCT
fbem-7151	49	3	according	accord	VERB
fbem-7151	49	4	to	to	ADP
fbem-7151	49	5	the	the	DET
fbem-7151	49	6	results	result	NOUN
fbem-7151	49	7	of	of	ADP
fbem-7151	49	8	research	research	NOUN
fbem-7151	49	9	and	and	CCONJ
fbem-7151	49	10	analysis	analysis	NOUN
fbem-7151	49	11	,	,	PUNCT
fbem-7151	49	12	combined	combine	VERB
fbem-7151	49	13	with	with	ADP
fbem-7151	49	14	the	the	DET
fbem-7151	49	15	development	development	NOUN
fbem-7151	49	16	characteristics	characteristic	NOUN
fbem-7151	49	17	of	of	ADP
fbem-7151	49	18	china	china	PROPN
fbem-7151	49	19	construction	construction	PROPN
fbem-7151	49	20	bank	bank	PROPN
fbem-7151	49	21	gx	gx	PROPN
fbem-7151	49	22	branch	branch	NOUN
fbem-7151	49	23	,	,	PUNCT
fbem-7151	49	24	some	some	DET
fbem-7151	49	25	suggestions	suggestion	NOUN
fbem-7151	49	26	for	for	ADP
fbem-7151	49	27	development	development	NOUN
fbem-7151	49	28	reference	reference	NOUN
fbem-7151	49	29	are	be	AUX
fbem-7151	49	30	put	put	VERB
fbem-7151	49	31	forward	forward	ADV
fbem-7151	49	32	.	.	PUNCT
fbem-7151	50	1	1.5	1.5	NUM
fbem-7151	50	2	.	.	PUNCT
fbem-7151	51	1	significant	significant	ADJ
fbem-7151	51	2	of	of	ADP
fbem-7151	51	3	the	the	DET
fbem-7151	51	4	study	study	NOUN
fbem-7151	51	5	accelerating	accelerate	VERB
fbem-7151	51	6	digital	digital	ADJ
fbem-7151	51	7	development	development	NOUN
fbem-7151	51	8	and	and	CCONJ
fbem-7151	51	9	building	build	VERB
fbem-7151	51	10	a	a	DET
fbem-7151	51	11	digital	digital	ADJ
fbem-7151	51	12	china	china	PROPN
fbem-7151	51	13	is	be	AUX
fbem-7151	51	14	an	an	DET
fbem-7151	51	15	important	important	ADJ
fbem-7151	51	16	part	part	NOUN
fbem-7151	51	17	of	of	ADP
fbem-7151	51	18	the	the	DET
fbem-7151	51	19	14th	14th	ADJ
fbem-7151	51	20	five	five	NUM
fbem-7151	51	21	-	-	PUNCT
fbem-7151	51	22	year	year	NOUN
fbem-7151	51	23	plan	plan	NOUN
fbem-7151	51	24	.	.	PUNCT
fbem-7151	52	1	the	the	DET
fbem-7151	52	2	plan	plan	NOUN
fbem-7151	52	3	explicitly	explicitly	ADV
fbem-7151	52	4	mentions	mention	VERB
fbem-7151	52	5	that	that	SCONJ
fbem-7151	52	6	fintech	fintech	NOUN
fbem-7151	52	7	will	will	AUX
fbem-7151	52	8	be	be	AUX
fbem-7151	52	9	prudently	prudently	ADV
fbem-7151	52	10	developed	develop	VERB
fbem-7151	52	11	and	and	CCONJ
fbem-7151	52	12	the	the	DET
fbem-7151	52	13	digital	digital	ADJ
fbem-7151	52	14	transformation	transformation	NOUN
fbem-7151	52	15	of	of	ADP
fbem-7151	52	16	financial	financial	ADJ
fbem-7151	52	17	institutions	institution	NOUN
fbem-7151	52	18	will	will	AUX
fbem-7151	52	19	be	be	AUX
fbem-7151	52	20	accelerated	accelerate	VERB
fbem-7151	52	21	.	.	PUNCT
fbem-7151	53	1	from	from	ADP
fbem-7151	53	2	the	the	DET
fbem-7151	53	3	theoretical	theoretical	ADJ
fbem-7151	53	4	perspective	perspective	NOUN
fbem-7151	53	5	,	,	PUNCT
fbem-7151	53	6	in	in	ADP
fbem-7151	53	7	recent	recent	ADJ
fbem-7151	53	8	years	year	NOUN
fbem-7151	53	9	,	,	PUNCT
fbem-7151	53	10	commercial	commercial	ADJ
fbem-7151	53	11	banks	bank	NOUN
fbem-7151	53	12	have	have	AUX
fbem-7151	53	13	carried	carry	VERB
fbem-7151	53	14	out	out	ADP
fbem-7151	53	15	a	a	DET
fbem-7151	53	16	series	series	NOUN
fbem-7151	53	17	of	of	ADP
fbem-7151	53	18	theoretical	theoretical	ADJ
fbem-7151	53	19	studies	study	NOUN
fbem-7151	53	20	to	to	PART
fbem-7151	53	21	promote	promote	VERB
fbem-7151	53	22	the	the	DET
fbem-7151	53	23	development	development	NOUN
fbem-7151	53	24	mode	mode	NOUN
fbem-7151	53	25	of	of	ADP
fbem-7151	53	26	digital	digital	ADJ
fbem-7151	53	27	transformation	transformation	NOUN
fbem-7151	53	28	.	.	PUNCT
fbem-7151	54	1	through	through	ADP
fbem-7151	54	2	the	the	DET
fbem-7151	54	3	research	research	NOUN
fbem-7151	54	4	on	on	ADP
fbem-7151	54	5	the	the	DET
fbem-7151	54	6	development	development	NOUN
fbem-7151	54	7	of	of	ADP
fbem-7151	54	8	banking	bank	VERB
fbem-7151	54	9	digital	digital	ADJ
fbem-7151	54	10	transformation	transformation	NOUN
fbem-7151	54	11	,	,	PUNCT
fbem-7151	54	12	this	this	DET
fbem-7151	54	13	paper	paper	NOUN
fbem-7151	54	14	makes	make	VERB
fbem-7151	54	15	up	up	ADP
fbem-7151	54	16	the	the	DET
fbem-7151	54	17	strategy	strategy	NOUN
fbem-7151	54	18	gap	gap	NOUN
fbem-7151	54	19	and	and	CCONJ
fbem-7151	54	20	clarifies	clarify	VERB
fbem-7151	54	21	the	the	DET
fbem-7151	54	22	definition	definition	NOUN
fbem-7151	54	23	of	of	ADP
fbem-7151	54	24	digital	digital	ADJ
fbem-7151	54	25	transformation	transformation	NOUN
fbem-7151	54	26	.	.	PUNCT
fbem-7151	55	1	from	from	ADP
fbem-7151	55	2	the	the	DET
fbem-7151	55	3	practical	practical	ADJ
fbem-7151	55	4	point	point	NOUN
fbem-7151	55	5	of	of	ADP
fbem-7151	55	6	view	view	NOUN
fbem-7151	55	7	,	,	PUNCT
fbem-7151	55	8	this	this	DET
fbem-7151	55	9	paper	paper	NOUN
fbem-7151	55	10	analyzes	analyze	VERB
fbem-7151	55	11	the	the	DET
fbem-7151	55	12	digital	digital	ADJ
fbem-7151	55	13	transformation	transformation	NOUN
fbem-7151	55	14	and	and	CCONJ
fbem-7151	55	15	development	development	NOUN
fbem-7151	55	16	strategy	strategy	NOUN
fbem-7151	55	17	of	of	ADP
fbem-7151	55	18	commercial	commercial	ADJ
fbem-7151	55	19	banks	bank	NOUN
fbem-7151	55	20	by	by	ADP
fbem-7151	55	21	studying	study	VERB
fbem-7151	55	22	the	the	DET
fbem-7151	55	23	digitalization	digitalization	NOUN
fbem-7151	55	24	and	and	CCONJ
fbem-7151	55	25	characteristic	characteristic	ADJ
fbem-7151	55	26	business	business	NOUN
fbem-7151	55	27	of	of	ADP
fbem-7151	55	28	gx	gx	PROPN
fbem-7151	55	29	branch	branch	PROPN
fbem-7151	55	30	of	of	ADP
fbem-7151	55	31	china	china	PROPN
fbem-7151	55	32	construction	construction	PROPN
fbem-7151	55	33	bank	bank	PROPN
fbem-7151	55	34	,	,	PUNCT
fbem-7151	55	35	and	and	CCONJ
fbem-7151	55	36	provides	provide	VERB
fbem-7151	55	37	relevant	relevant	ADJ
fbem-7151	55	38	countermeasures	countermeasure	NOUN
fbem-7151	55	39	for	for	ADP
fbem-7151	55	40	the	the	DET
fbem-7151	55	41	digitalization	digitalization	NOUN
fbem-7151	55	42	development	development	NOUN
fbem-7151	55	43	of	of	ADP
fbem-7151	55	44	gx	gx	PROPN
fbem-7151	55	45	branch	branch	PROPN
fbem-7151	55	46	of	of	ADP
fbem-7151	55	47	china	china	PROPN
fbem-7151	55	48	construction	construction	PROPN
fbem-7151	55	49	bank	bank	PROPN
fbem-7151	55	50	by	by	ADP
fbem-7151	55	51	combining	combine	VERB
fbem-7151	55	52	the	the	DET
fbem-7151	55	53	theoretical	theoretical	ADJ
fbem-7151	55	54	knowledge	knowledge	NOUN
fbem-7151	55	55	in	in	ADP
fbem-7151	55	56	the	the	DET
fbem-7151	55	57	field	field	NOUN
fbem-7151	55	58	of	of	ADP
fbem-7151	55	59	economics	economic	NOUN
fbem-7151	55	60	,	,	PUNCT
fbem-7151	55	61	so	so	SCONJ
fbem-7151	55	62	as	as	SCONJ
fbem-7151	55	63	to	to	PART
fbem-7151	55	64	enhance	enhance	VERB
fbem-7151	55	65	the	the	DET
fbem-7151	55	66	market	market	NOUN
fbem-7151	55	67	competitiveness	competitiveness	NOUN
fbem-7151	55	68	of	of	ADP
fbem-7151	55	69	the	the	DET
fbem-7151	55	70	bank	bank	NOUN
fbem-7151	55	71	.	.	PUNCT
fbem-7151	56	1	2	2	X
fbem-7151	56	2	.	.	X
fbem-7151	56	3	literatures	literature	NOUN
fbem-7151	56	4	review	review	VERB
fbem-7151	56	5	2.1	2.1	NUM
fbem-7151	56	6	.	.	PUNCT
fbem-7151	57	1	introduction	introduction	NOUN
fbem-7151	57	2	starting	start	VERB
fbem-7151	57	3	from	from	ADP
fbem-7151	57	4	the	the	DET
fbem-7151	57	5	three	three	NUM
fbem-7151	57	6	important	important	ADJ
fbem-7151	57	7	directions	direction	NOUN
fbem-7151	57	8	of	of	ADP
fbem-7151	57	9	corporate	corporate	ADJ
fbem-7151	57	10	business	business	NOUN
fbem-7151	57	11	,	,	PUNCT
fbem-7151	57	12	retail	retail	ADJ
fbem-7151	57	13	business	business	NOUN
fbem-7151	57	14	and	and	CCONJ
fbem-7151	57	15	internal	internal	ADJ
fbem-7151	57	16	management	management	NOUN
fbem-7151	57	17	,	,	PUNCT
fbem-7151	57	18	this	this	DET
fbem-7151	57	19	chapter	chapter	NOUN
fbem-7151	57	20	discusses	discuss	VERB
fbem-7151	57	21	the	the	DET
fbem-7151	57	22	connotation	connotation	NOUN
fbem-7151	57	23	of	of	ADP
fbem-7151	57	24	digital	digital	ADJ
fbem-7151	57	25	transformation	transformation	NOUN
fbem-7151	57	26	,	,	PUNCT
fbem-7151	57	27	the	the	DET
fbem-7151	57	28	current	current	ADJ
fbem-7151	57	29	situation	situation	NOUN
fbem-7151	57	30	of	of	ADP
fbem-7151	57	31	digital	digital	ADJ
fbem-7151	57	32	transformation	transformation	NOUN
fbem-7151	57	33	research	research	NOUN
fbem-7151	57	34	and	and	CCONJ
fbem-7151	57	35	the	the	DET
fbem-7151	57	36	future	future	ADJ
fbem-7151	57	37	development	development	NOUN
fbem-7151	57	38	direction	direction	NOUN
fbem-7151	57	39	of	of	ADP
fbem-7151	57	40	digital	digital	ADJ
fbem-7151	57	41	transformation	transformation	NOUN
fbem-7151	57	42	,	,	PUNCT
fbem-7151	57	43	and	and	CCONJ
fbem-7151	57	44	refers	refer	VERB
fbem-7151	57	45	to	to	ADP
fbem-7151	57	46	the	the	DET
fbem-7151	57	47	theoretical	theoretical	ADJ
fbem-7151	57	48	research	research	NOUN
fbem-7151	57	49	of	of	ADP
fbem-7151	57	50	domestic	domestic	ADJ
fbem-7151	57	51	and	and	CCONJ
fbem-7151	57	52	foreign	foreign	ADJ
fbem-7151	57	53	scholars	scholar	NOUN
fbem-7151	57	54	.	.	PUNCT
fbem-7151	58	1	analyze	analyze	VERB
fbem-7151	58	2	the	the	DET
fbem-7151	58	3	current	current	ADJ
fbem-7151	58	4	situation	situation	NOUN
fbem-7151	58	5	,	,	PUNCT
fbem-7151	58	6	problems	problem	NOUN
fbem-7151	58	7	and	and	CCONJ
fbem-7151	58	8	development	development	NOUN
fbem-7151	58	9	direction	direction	NOUN
fbem-7151	58	10	of	of	ADP
fbem-7151	58	11	digital	digital	ADJ
fbem-7151	58	12	transformation	transformation	NOUN
fbem-7151	58	13	of	of	ADP
fbem-7151	58	14	the	the	DET
fbem-7151	58	15	company	company	NOUN
fbem-7151	58	16	's	's	PART
fbem-7151	58	17	business	business	NOUN
fbem-7151	58	18	,	,	PUNCT
fbem-7151	58	19	retail	retail	ADJ
fbem-7151	58	20	business	business	NOUN
fbem-7151	58	21	and	and	CCONJ
fbem-7151	58	22	internal	internal	ADJ
fbem-7151	58	23	management	management	NOUN
fbem-7151	58	24	one	one	NUM
fbem-7151	58	25	by	by	ADP
fbem-7151	58	26	one	one	NUM
fbem-7151	58	27	,	,	PUNCT
fbem-7151	58	28	so	so	SCONJ
fbem-7151	58	29	as	as	SCONJ
fbem-7151	58	30	to	to	PART
fbem-7151	58	31	explore	explore	VERB
fbem-7151	58	32	the	the	DET
fbem-7151	58	33	importance	importance	NOUN
fbem-7151	58	34	of	of	ADP
fbem-7151	58	35	the	the	DET
fbem-7151	58	36	three	three	NUM
fbem-7151	58	37	for	for	ADP
fbem-7151	58	38	promoting	promote	VERB
fbem-7151	58	39	digital	digital	ADJ
fbem-7151	58	40	transformation	transformation	NOUN
fbem-7151	58	41	comprehensively	comprehensively	ADV
fbem-7151	58	42	.	.	PUNCT
fbem-7151	59	1	also	also	ADV
fbem-7151	59	2	introduce	introduce	VERB
fbem-7151	59	3	the	the	DET
fbem-7151	59	4	theory	theory	NOUN
fbem-7151	59	5	of	of	ADP
fbem-7151	59	6	financial	financial	ADJ
fbem-7151	59	7	technology	technology	NOUN
fbem-7151	59	8	,	,	PUNCT
fbem-7151	59	9	the	the	DET
fbem-7151	59	10	theory	theory	NOUN
fbem-7151	59	11	of	of	ADP
fbem-7151	59	12	digital	digital	ADJ
fbem-7151	59	13	transformation	transformation	NOUN
fbem-7151	59	14	and	and	CCONJ
fbem-7151	59	15	the	the	DET
fbem-7151	59	16	long	long	ADJ
fbem-7151	59	17	tail	tail	NOUN
fbem-7151	59	18	theory	theory	NOUN
fbem-7151	59	19	to	to	PART
fbem-7151	59	20	provide	provide	VERB
fbem-7151	59	21	theoretical	theoretical	ADJ
fbem-7151	59	22	basis	basis	NOUN
fbem-7151	59	23	for	for	ADP
fbem-7151	59	24	the	the	DET
fbem-7151	59	25	study	study	NOUN
fbem-7151	59	26	of	of	ADP
fbem-7151	59	27	this	this	DET
fbem-7151	59	28	paper	paper	NOUN
fbem-7151	59	29	,	,	PUNCT
fbem-7151	59	30	and	and	CCONJ
fbem-7151	59	31	then	then	ADV
fbem-7151	59	32	construct	construct	VERB
fbem-7151	59	33	the	the	DET
fbem-7151	59	34	theoretical	theoretical	ADJ
fbem-7151	59	35	framework	framework	NOUN
fbem-7151	59	36	of	of	ADP
fbem-7151	59	37	this	this	DET
fbem-7151	59	38	paper	paper	NOUN
fbem-7151	59	39	.	.	PUNCT
fbem-7151	60	1	to	to	PART
fbem-7151	60	2	facilitate	facilitate	VERB
fbem-7151	60	3	a	a	DET
fbem-7151	60	4	comprehensive	comprehensive	ADJ
fbem-7151	60	5	and	and	CCONJ
fbem-7151	60	6	systematic	systematic	ADJ
fbem-7151	60	7	grasp	grasp	NOUN
fbem-7151	60	8	of	of	ADP
fbem-7151	60	9	the	the	DET
fbem-7151	60	10	context	context	NOUN
fbem-7151	60	11	of	of	ADP
fbem-7151	60	12	this	this	DET
fbem-7151	60	13	paper	paper	NOUN
fbem-7151	60	14	,	,	PUNCT
fbem-7151	60	15	finally	finally	ADV
fbem-7151	60	16	,	,	PUNCT
fbem-7151	60	17	the	the	DET
fbem-7151	60	18	digital	digital	ADJ
fbem-7151	60	19	transformation	transformation	NOUN
fbem-7151	60	20	,	,	PUNCT
fbem-7151	60	21	corporate	corporate	ADJ
fbem-7151	60	22	business	business	NOUN
fbem-7151	60	23	,	,	PUNCT
fbem-7151	60	24	retail	retail	ADJ
fbem-7151	60	25	business	business	NOUN
fbem-7151	60	26	,	,	PUNCT
fbem-7151	60	27	internal	internal	ADJ
fbem-7151	60	28	management	management	NOUN
fbem-7151	60	29	and	and	CCONJ
fbem-7151	60	30	other	other	ADJ
fbem-7151	60	31	academic	academic	ADJ
fbem-7151	60	32	terms	term	NOUN
fbem-7151	60	33	are	be	AUX
fbem-7151	60	34	explained	explain	VERB
fbem-7151	60	35	and	and	CCONJ
fbem-7151	60	36	defined	define	VERB
fbem-7151	60	37	.	.	PUNCT
fbem-7151	61	1	2.2	2.2	NUM
fbem-7151	61	2	.	.	PUNCT
fbem-7151	62	1	literature	literature	NOUN
fbem-7151	62	2	reviews	review	VERB
fbem-7151	62	3	2.2.1	2.2.1	NUM
fbem-7151	62	4	.	.	PUNCT
fbem-7151	63	1	digital	digital	ADJ
fbem-7151	63	2	transformation	transformation	NOUN
fbem-7151	63	3	a	a	DET
fbem-7151	63	4	country	country	NOUN
fbem-7151	63	5	's	's	PART
fbem-7151	63	6	financial	financial	ADJ
fbem-7151	63	7	industry	industry	NOUN
fbem-7151	63	8	structure	structure	NOUN
fbem-7151	63	9	is	be	AUX
fbem-7151	63	10	generally	generally	ADV
fbem-7151	63	11	characterized	characterize	VERB
fbem-7151	63	12	by	by	ADP
fbem-7151	63	13	a	a	DET
fbem-7151	63	14	strong	strong	ADJ
fbem-7151	63	15	bank	bank	NOUN
fbem-7151	63	16	-	-	PUNCT
fbem-7151	63	17	dominated	dominate	VERB
fbem-7151	63	18	financial	financial	ADJ
fbem-7151	63	19	system	system	NOUN
fbem-7151	63	20	,	,	PUNCT
fbem-7151	63	21	which	which	PRON
fbem-7151	63	22	will	will	AUX
fbem-7151	63	23	reduce	reduce	VERB
fbem-7151	63	24	the	the	DET
fbem-7151	63	25	efficiency	efficiency	NOUN
fbem-7151	63	26	of	of	ADP
fbem-7151	63	27	resource	resource	NOUN
fbem-7151	63	28	allocation	allocation	NOUN
fbem-7151	63	29	,	,	PUNCT
fbem-7151	63	30	while	while	SCONJ
fbem-7151	63	31	the	the	DET
fbem-7151	63	32	digital	digital	ADJ
fbem-7151	63	33	transformation	transformation	NOUN
fbem-7151	63	34	of	of	ADP
fbem-7151	63	35	banks	bank	NOUN
fbem-7151	63	36	can	can	AUX
fbem-7151	63	37	effectively	effectively	ADV
fbem-7151	63	38	reduce	reduce	VERB
fbem-7151	63	39	systemic	systemic	ADJ
fbem-7151	63	40	risks	risk	NOUN
fbem-7151	63	41	in	in	ADP
fbem-7151	63	42	the	the	DET
fbem-7151	63	43	banking	banking	NOUN
fbem-7151	63	44	sector	sector	NOUN
fbem-7151	63	45	and	and	CCONJ
fbem-7151	63	46	strengthen	strengthen	VERB
fbem-7151	63	47	intelligent	intelligent	ADJ
fbem-7151	63	48	supervision	supervision	NOUN
fbem-7151	63	49	.	.	PUNCT
fbem-7151	64	1	digital	digital	ADJ
fbem-7151	64	2	transformation	transformation	NOUN
fbem-7151	64	3	is	be	AUX
fbem-7151	64	4	a	a	DET
fbem-7151	64	5	necessary	necessary	ADJ
fbem-7151	64	6	reform	reform	NOUN
fbem-7151	64	7	to	to	PART
fbem-7151	64	8	reduce	reduce	VERB
fbem-7151	64	9	risks	risk	NOUN
fbem-7151	64	10	and	and	CCONJ
fbem-7151	64	11	improve	improve	VERB
fbem-7151	64	12	financial	financial	ADJ
fbem-7151	64	13	security	security	NOUN
fbem-7151	64	14	.	.	PUNCT
fbem-7151	65	1	(	(	PUNCT
fbem-7151	65	2	liu	liu	PROPN
fbem-7151	65	3	,	,	PUNCT
fbem-7151	65	4	2019	2019	NUM
fbem-7151	65	5	)	)	PUNCT
fbem-7151	65	6	when	when	SCONJ
fbem-7151	65	7	studying	study	VERB
fbem-7151	65	8	the	the	DET
fbem-7151	65	9	determinants	determinant	NOUN
fbem-7151	65	10	of	of	ADP
fbem-7151	65	11	profitability	profitability	NOUN
fbem-7151	65	12	of	of	ADP
fbem-7151	65	13	indonesian	indonesian	ADJ
fbem-7151	65	14	banking	banking	NOUN
fbem-7151	65	15	industry	industry	NOUN
fbem-7151	65	16	,	,	PUNCT
fbem-7151	65	17	indonesian	indonesian	ADJ
fbem-7151	65	18	scholars	scholar	NOUN
fbem-7151	65	19	found	find	VERB
fbem-7151	65	20	that	that	SCONJ
fbem-7151	65	21	through	through	ADP
fbem-7151	65	22	the	the	DET
fbem-7151	65	23	description	description	NOUN
fbem-7151	65	24	and	and	CCONJ
fbem-7151	65	25	verification	verification	NOUN
fbem-7151	65	26	of	of	ADP
fbem-7151	65	27	26	26	NUM
fbem-7151	65	28	financial	financial	ADJ
fbem-7151	65	29	statements	statement	NOUN
fbem-7151	65	30	,	,	PUNCT
fbem-7151	65	31	they	they	PRON
fbem-7151	65	32	found	find	VERB
fbem-7151	65	33	that	that	SCONJ
fbem-7151	65	34	the	the	DET
fbem-7151	65	35	digital	digital	ADJ
fbem-7151	65	36	transformation	transformation	NOUN
fbem-7151	65	37	of	of	ADP
fbem-7151	65	38	banks	bank	NOUN
fbem-7151	65	39	was	be	AUX
fbem-7151	65	40	conducive	conducive	ADJ
fbem-7151	65	41	to	to	ADP
fbem-7151	65	42	the	the	DET
fbem-7151	65	43	improvement	improvement	NOUN
fbem-7151	65	44	of	of	ADP
fbem-7151	65	45	return	return	NOUN
fbem-7151	65	46	on	on	ADP
fbem-7151	65	47	assets	asset	NOUN
fbem-7151	65	48	and	and	CCONJ
fbem-7151	65	49	reduced	reduce	VERB
fbem-7151	65	50	the	the	DET
fbem-7151	65	51	impact	impact	NOUN
fbem-7151	65	52	of	of	ADP
fbem-7151	65	53	non	non	ADJ
fbem-7151	65	54	-	-	ADJ
fbem-7151	65	55	performing	performing	ADJ
fbem-7151	65	56	loans	loan	NOUN
fbem-7151	65	57	to	to	ADP
fbem-7151	65	58	a	a	DET
fbem-7151	65	59	certain	certain	ADJ
fbem-7151	65	60	extent	extent	NOUN
fbem-7151	65	61	(	(	PUNCT
fbem-7151	65	62	hri	hri	PROPN
fbem-7151	65	63	,	,	PUNCT
fbem-7151	65	64	2020	2020	NUM
fbem-7151	65	65	)	)	PUNCT
fbem-7151	65	66	during	during	ADP
fbem-7151	65	67	the	the	DET
fbem-7151	65	68	study	study	NOUN
fbem-7151	65	69	of	of	ADP
fbem-7151	65	70	private	private	ADJ
fbem-7151	65	71	banks	bank	NOUN
fbem-7151	65	72	and	and	CCONJ
fbem-7151	65	73	regional	regional	ADJ
fbem-7151	65	74	development	development	NOUN
fbem-7151	65	75	banks	bank	NOUN
fbem-7151	65	76	in	in	ADP
fbem-7151	65	77	indonesia	indonesia	PROPN
fbem-7151	65	78	,	,	PUNCT
fbem-7151	65	79	it	it	PRON
fbem-7151	65	80	is	be	AUX
fbem-7151	65	81	found	find	VERB
fbem-7151	65	82	that	that	SCONJ
fbem-7151	65	83	compared	compare	VERB
fbem-7151	65	84	with	with	ADP
fbem-7151	65	85	the	the	DET
fbem-7151	65	86	traditional	traditional	ADJ
fbem-7151	65	87	period	period	NOUN
fbem-7151	65	88	,	,	PUNCT
fbem-7151	65	89	the	the	DET
fbem-7151	65	90	digital	digital	ADJ
fbem-7151	65	91	transformation	transformation	NOUN
fbem-7151	65	92	period	period	NOUN
fbem-7151	65	93	of	of	ADP
fbem-7151	65	94	banks	bank	NOUN
fbem-7151	65	95	can	can	AUX
fbem-7151	65	96	help	help	VERB
fbem-7151	65	97	transfer	transfer	VERB
fbem-7151	65	98	funds	fund	NOUN
fbem-7151	65	99	from	from	ADP
fbem-7151	65	100	investors	investor	NOUN
fbem-7151	65	101	,	,	PUNCT
fbem-7151	65	102	depositors	depositor	NOUN
fbem-7151	65	103	or	or	CCONJ
fbem-7151	65	104	depositors	depositor	NOUN
fbem-7151	65	105	to	to	ADP
fbem-7151	65	106	borrowers	borrower	NOUN
fbem-7151	65	107	,	,	PUNCT
fbem-7151	65	108	improve	improve	VERB
fbem-7151	65	109	the	the	DET
fbem-7151	65	110	efficiency	efficiency	NOUN
fbem-7151	65	111	of	of	ADP
fbem-7151	65	112	asset	asset	NOUN
fbem-7151	65	113	recovery	recovery	NOUN
fbem-7151	65	114	and	and	CCONJ
fbem-7151	65	115	reduce	reduce	VERB
fbem-7151	65	116	costs	cost	NOUN
fbem-7151	65	117	.	.	PUNCT
fbem-7151	66	1	digital	digital	ADJ
fbem-7151	66	2	transformation	transformation	NOUN
fbem-7151	66	3	can	can	AUX
fbem-7151	66	4	be	be	AUX
fbem-7151	66	5	integrated	integrate	VERB
fbem-7151	66	6	into	into	ADP
fbem-7151	66	7	every	every	DET
fbem-7151	66	8	link	link	NOUN
fbem-7151	66	9	of	of	ADP
fbem-7151	66	10	the	the	DET
fbem-7151	66	11	bank	bank	NOUN
fbem-7151	66	12	.	.	PUNCT
fbem-7151	67	1	(	(	PUNCT
fbem-7151	67	2	agustin	agustin	PROPN
fbem-7151	67	3	,	,	PUNCT
fbem-7151	67	4	2021	2021	NUM
fbem-7151	67	5	)	)	PUNCT
fbem-7151	67	6	2.2.2	2.2.2	NUM
fbem-7151	67	7	.	.	PUNCT
fbem-7151	68	1	corporate	corporate	ADJ
fbem-7151	68	2	business	business	NOUN
fbem-7151	68	3	the	the	DET
fbem-7151	68	4	digital	digital	ADJ
fbem-7151	68	5	transformation	transformation	NOUN
fbem-7151	68	6	of	of	ADP
fbem-7151	68	7	the	the	DET
fbem-7151	68	8	company	company	NOUN
fbem-7151	68	9	's	's	PART
fbem-7151	68	10	business	business	NOUN
fbem-7151	68	11	has	have	AUX
fbem-7151	68	12	created	create	VERB
fbem-7151	68	13	a	a	DET
fbem-7151	68	14	new	new	ADJ
fbem-7151	68	15	engine	engine	NOUN
fbem-7151	68	16	for	for	ADP
fbem-7151	68	17	high	high	ADJ
fbem-7151	68	18	-	-	PUNCT
fbem-7151	68	19	quality	quality	NOUN
fbem-7151	68	20	economic	economic	ADJ
fbem-7151	68	21	development	development	NOUN
fbem-7151	68	22	,	,	PUNCT
fbem-7151	68	23	promoted	promote	VERB
fbem-7151	68	24	the	the	DET
fbem-7151	68	25	digital	digital	ADJ
fbem-7151	68	26	transformation	transformation	NOUN
fbem-7151	68	27	of	of	ADP
fbem-7151	68	28	cooperative	cooperative	ADJ
fbem-7151	68	29	units	unit	NOUN
fbem-7151	68	30	and	and	CCONJ
fbem-7151	68	31	companies	company	NOUN
fbem-7151	68	32	,	,	PUNCT
fbem-7151	68	33	and	and	CCONJ
fbem-7151	68	34	is	be	AUX
fbem-7151	68	35	an	an	DET
fbem-7151	68	36	important	important	ADJ
fbem-7151	68	37	support	support	NOUN
fbem-7151	68	38	for	for	ADP
fbem-7151	68	39	the	the	DET
fbem-7151	68	40	construction	construction	NOUN
fbem-7151	68	41	of	of	ADP
fbem-7151	68	42	a	a	DET
fbem-7151	68	43	modern	modern	ADJ
fbem-7151	68	44	economic	economic	ADJ
fbem-7151	68	45	system	system	NOUN
fbem-7151	68	46	.	.	PUNCT
fbem-7151	69	1	it	it	PRON
fbem-7151	69	2	plays	play	VERB
fbem-7151	69	3	an	an	DET
fbem-7151	69	4	important	important	ADJ
fbem-7151	69	5	role	role	NOUN
fbem-7151	69	6	in	in	ADP
fbem-7151	69	7	209	209	NUM
fbem-7151	69	8	supporting	support	VERB
fbem-7151	69	9	big	big	ADJ
fbem-7151	69	10	data	datum	NOUN
fbem-7151	69	11	centers	center	NOUN
fbem-7151	69	12	,	,	PUNCT
fbem-7151	69	13	artificial	artificial	ADJ
fbem-7151	69	14	intelligence	intelligence	NOUN
fbem-7151	69	15	and	and	CCONJ
fbem-7151	69	16	other	other	ADJ
fbem-7151	69	17	fields	field	NOUN
fbem-7151	69	18	(	(	PUNCT
fbem-7151	69	19	zheng	zheng	X
fbem-7151	69	20	,	,	PUNCT
fbem-7151	69	21	jia,&yu	jia,&yu	PROPN
fbem-7151	69	22	,	,	PUNCT
fbem-7151	69	23	2021	2021	NUM
fbem-7151	69	24	)	)	PUNCT
fbem-7151	69	25	through	through	ADP
fbem-7151	69	26	the	the	DET
fbem-7151	69	27	research	research	NOUN
fbem-7151	69	28	on	on	ADP
fbem-7151	69	29	the	the	DET
fbem-7151	69	30	panel	panel	NOUN
fbem-7151	69	31	data	datum	NOUN
fbem-7151	69	32	of	of	ADP
fbem-7151	69	33	china	china	PROPN
fbem-7151	69	34	in	in	ADP
fbem-7151	69	35	the	the	DET
fbem-7151	69	36	past	past	ADJ
fbem-7151	69	37	10	10	NUM
fbem-7151	69	38	years	year	NOUN
fbem-7151	69	39	,	,	PUNCT
fbem-7151	69	40	it	it	PRON
fbem-7151	69	41	is	be	AUX
fbem-7151	69	42	found	find	VERB
fbem-7151	69	43	that	that	SCONJ
fbem-7151	69	44	the	the	DET
fbem-7151	69	45	digital	digital	ADJ
fbem-7151	69	46	transformation	transformation	NOUN
fbem-7151	69	47	development	development	NOUN
fbem-7151	69	48	of	of	ADP
fbem-7151	69	49	the	the	DET
fbem-7151	69	50	company	company	NOUN
fbem-7151	69	51	's	's	PART
fbem-7151	69	52	business	business	NOUN
fbem-7151	69	53	has	have	VERB
fbem-7151	69	54	a	a	DET
fbem-7151	69	55	positive	positive	ADJ
fbem-7151	69	56	effect	effect	NOUN
fbem-7151	69	57	on	on	ADP
fbem-7151	69	58	the	the	DET
fbem-7151	69	59	industrial	industrial	ADJ
fbem-7151	69	60	development	development	NOUN
fbem-7151	69	61	,	,	PUNCT
fbem-7151	69	62	but	but	CCONJ
fbem-7151	69	63	the	the	DET
fbem-7151	69	64	impact	impact	NOUN
fbem-7151	69	65	on	on	ADP
fbem-7151	69	66	backward	backward	ADJ
fbem-7151	69	67	areas	area	NOUN
fbem-7151	69	68	is	be	AUX
fbem-7151	69	69	not	not	PART
fbem-7151	69	70	significant	significant	ADJ
fbem-7151	69	71	,	,	PUNCT
fbem-7151	69	72	and	and	CCONJ
fbem-7151	69	73	the	the	DET
fbem-7151	69	74	impact	impact	NOUN
fbem-7151	69	75	on	on	ADP
fbem-7151	69	76	the	the	DET
fbem-7151	69	77	secondary	secondary	ADJ
fbem-7151	69	78	industry	industry	NOUN
fbem-7151	69	79	is	be	AUX
fbem-7151	69	80	low(zhou,2021	low(zhou,2021	NOUN
fbem-7151	69	81	)	)	PUNCT
fbem-7151	69	82	the	the	DET
fbem-7151	69	83	company	company	NOUN
fbem-7151	69	84	's	's	PART
fbem-7151	69	85	business	business	NOUN
fbem-7151	69	86	should	should	AUX
fbem-7151	69	87	take	take	VERB
fbem-7151	69	88	advantage	advantage	NOUN
fbem-7151	69	89	of	of	ADP
fbem-7151	69	90	the	the	DET
fbem-7151	69	91	opportunity	opportunity	NOUN
fbem-7151	69	92	of	of	ADP
fbem-7151	69	93	digital	digital	ADJ
fbem-7151	69	94	transformation	transformation	NOUN
fbem-7151	69	95	to	to	PART
fbem-7151	69	96	accelerate	accelerate	VERB
fbem-7151	69	97	product	product	NOUN
fbem-7151	69	98	innovation	innovation	NOUN
fbem-7151	69	99	,	,	PUNCT
fbem-7151	69	100	provide	provide	VERB
fbem-7151	69	101	differentiated	differentiated	ADJ
fbem-7151	69	102	services	service	NOUN
fbem-7151	69	103	,	,	PUNCT
fbem-7151	69	104	provide	provide	VERB
fbem-7151	69	105	a	a	DET
fbem-7151	69	106	full	full	ADJ
fbem-7151	69	107	range	range	NOUN
fbem-7151	69	108	of	of	ADP
fbem-7151	69	109	threedimensional	threedimensional	ADJ
fbem-7151	69	110	product	product	NOUN
fbem-7151	69	111	system	system	NOUN
fbem-7151	69	112	,	,	PUNCT
fbem-7151	69	113	develop	develop	VERB
fbem-7151	69	114	targeted	targeted	ADJ
fbem-7151	69	115	products	product	NOUN
fbem-7151	69	116	for	for	ADP
fbem-7151	69	117	different	different	ADJ
fbem-7151	69	118	customer	customer	NOUN
fbem-7151	69	119	groups	group	NOUN
fbem-7151	69	120	and	and	CCONJ
fbem-7151	69	121	promote(yuan	promote(yuan	PROPN
fbem-7151	69	122	,	,	PUNCT
fbem-7151	69	123	)	)	PUNCT
fbem-7151	69	124	the	the	DET
fbem-7151	69	125	business	business	NOUN
fbem-7151	69	126	of	of	ADP
fbem-7151	69	127	the	the	DET
fbem-7151	69	128	company	company	NOUN
fbem-7151	69	129	is	be	AUX
fbem-7151	69	130	to	to	PART
fbem-7151	69	131	focus	focus	VERB
fbem-7151	69	132	on	on	ADP
fbem-7151	69	133	serving	serve	VERB
fbem-7151	69	134	the	the	DET
fbem-7151	69	135	source	source	NOUN
fbem-7151	69	136	of	of	ADP
fbem-7151	69	137	the	the	DET
fbem-7151	69	138	real	real	ADJ
fbem-7151	69	139	economy	economy	NOUN
fbem-7151	69	140	,	,	PUNCT
fbem-7151	69	141	implement	implement	VERB
fbem-7151	69	142	new	new	ADJ
fbem-7151	69	143	financial	financial	ADJ
fbem-7151	69	144	actions	action	NOUN
fbem-7151	69	145	,	,	PUNCT
fbem-7151	69	146	guide	guide	VERB
fbem-7151	69	147	all	all	DET
fbem-7151	69	148	business	business	NOUN
fbem-7151	69	149	lines	line	NOUN
fbem-7151	69	150	and	and	CCONJ
fbem-7151	69	151	branches	branch	NOUN
fbem-7151	69	152	to	to	PART
fbem-7151	69	153	invest	invest	VERB
fbem-7151	69	154	in	in	ADP
fbem-7151	69	155	financial	financial	ADJ
fbem-7151	69	156	services	service	NOUN
fbem-7151	69	157	to	to	PART
fbem-7151	69	158	accelerate	accelerate	VERB
fbem-7151	69	159	the	the	DET
fbem-7151	69	160	implementation	implementation	NOUN
fbem-7151	69	161	of	of	ADP
fbem-7151	69	162	all	all	DET
fbem-7151	69	163	stable	stable	ADJ
fbem-7151	69	164	real	real	ADJ
fbem-7151	69	165	economy	economy	NOUN
fbem-7151	69	166	businesses	business	NOUN
fbem-7151	69	167	,	,	PUNCT
fbem-7151	69	168	go	go	VERB
fbem-7151	69	169	all	all	ADV
fbem-7151	69	170	out	out	ADP
fbem-7151	69	171	to	to	PART
fbem-7151	69	172	support	support	VERB
fbem-7151	69	173	regional	regional	ADJ
fbem-7151	69	174	economic	economic	ADJ
fbem-7151	69	175	development	development	NOUN
fbem-7151	69	176	and	and	CCONJ
fbem-7151	69	177	enhance	enhance	VERB
fbem-7151	69	178	the	the	DET
fbem-7151	69	179	vitality	vitality	NOUN
fbem-7151	69	180	of	of	ADP
fbem-7151	69	181	market	market	NOUN
fbem-7151	69	182	players(tan,2022	players(tan,2022	NOUN
fbem-7151	69	183	)	)	PUNCT
fbem-7151	69	184	2.2.3	2.2.3	NUM
fbem-7151	69	185	.	.	PUNCT
fbem-7151	70	1	retail	retail	ADJ
fbem-7151	70	2	business	business	NOUN
fbem-7151	70	3	taking	take	VERB
fbem-7151	70	4	customer	customer	NOUN
fbem-7151	70	5	as	as	ADP
fbem-7151	70	6	the	the	DET
fbem-7151	70	7	center	center	NOUN
fbem-7151	70	8	and	and	CCONJ
fbem-7151	70	9	transaction	transaction	NOUN
fbem-7151	70	10	as	as	ADP
fbem-7151	70	11	the	the	DET
fbem-7151	70	12	basis	basis	NOUN
fbem-7151	70	13	,	,	PUNCT
fbem-7151	70	14	diversified	diversified	ADJ
fbem-7151	70	15	services	service	NOUN
fbem-7151	70	16	,	,	PUNCT
fbem-7151	70	17	cost	cost	NOUN
fbem-7151	70	18	reduction	reduction	NOUN
fbem-7151	70	19	and	and	CCONJ
fbem-7151	70	20	efficiency	efficiency	NOUN
fbem-7151	70	21	increase	increase	NOUN
fbem-7151	70	22	have	have	AUX
fbem-7151	70	23	become	become	VERB
fbem-7151	70	24	the	the	DET
fbem-7151	70	25	goals	goal	NOUN
fbem-7151	70	26	of	of	ADP
fbem-7151	70	27	digital	digital	ADJ
fbem-7151	70	28	transformation	transformation	NOUN
fbem-7151	70	29	of	of	ADP
fbem-7151	70	30	retail	retail	ADJ
fbem-7151	70	31	business	business	NOUN
fbem-7151	70	32	of	of	ADP
fbem-7151	70	33	commercial	commercial	ADJ
fbem-7151	70	34	banks.(zhao,2022	banks.(zhao,2022	PROPN
fbem-7151	70	35	)	)	PUNCT
fbem-7151	70	36	the	the	DET
fbem-7151	70	37	digital	digital	ADJ
fbem-7151	70	38	transformation	transformation	NOUN
fbem-7151	70	39	of	of	ADP
fbem-7151	70	40	retail	retail	ADJ
fbem-7151	70	41	business	business	NOUN
fbem-7151	70	42	is	be	AUX
fbem-7151	70	43	still	still	ADV
fbem-7151	70	44	mainly	mainly	ADV
fbem-7151	70	45	carried	carry	VERB
fbem-7151	70	46	out	out	ADP
fbem-7151	70	47	through	through	ADP
fbem-7151	70	48	offline	offline	ADJ
fbem-7151	70	49	outlets	outlet	NOUN
fbem-7151	70	50	,	,	PUNCT
fbem-7151	70	51	advertising	advertising	NOUN
fbem-7151	70	52	and	and	CCONJ
fbem-7151	70	53	other	other	ADJ
fbem-7151	70	54	means	mean	NOUN
fbem-7151	70	55	,	,	PUNCT
fbem-7151	70	56	with	with	ADP
fbem-7151	70	57	limited	limited	ADJ
fbem-7151	70	58	coverage	coverage	NOUN
fbem-7151	70	59	area	area	NOUN
fbem-7151	70	60	.	.	PUNCT
fbem-7151	71	1	at	at	ADP
fbem-7151	71	2	present	present	ADJ
fbem-7151	71	3	,	,	PUNCT
fbem-7151	71	4	the	the	DET
fbem-7151	71	5	cost	cost	NOUN
fbem-7151	71	6	of	of	ADP
fbem-7151	71	7	acquiring	acquire	VERB
fbem-7151	71	8	customers	customer	NOUN
fbem-7151	71	9	is	be	AUX
fbem-7151	71	10	high	high	ADJ
fbem-7151	71	11	,	,	PUNCT
fbem-7151	71	12	and	and	CCONJ
fbem-7151	71	13	its	its	PRON
fbem-7151	71	14	input	input	NOUN
fbem-7151	71	15	-	-	PUNCT
fbem-7151	71	16	output	output	NOUN
fbem-7151	71	17	ratio	ratio	NOUN
fbem-7151	71	18	is	be	AUX
fbem-7151	71	19	seriously	seriously	ADV
fbem-7151	71	20	inconsistent	inconsistent	ADJ
fbem-7151	71	21	,	,	PUNCT
fbem-7151	71	22	which	which	PRON
fbem-7151	71	23	hinders	hinder	VERB
fbem-7151	71	24	the	the	DET
fbem-7151	71	25	business	business	NOUN
fbem-7151	71	26	development	development	NOUN
fbem-7151	71	27	to	to	ADP
fbem-7151	71	28	some	some	DET
fbem-7151	71	29	extent(yi,2020	extent(yi,2020	NOUN
fbem-7151	71	30	)	)	PUNCT
fbem-7151	71	31	to	to	PART
fbem-7151	71	32	break	break	VERB
fbem-7151	71	33	through	through	ADP
fbem-7151	71	34	the	the	DET
fbem-7151	71	35	digital	digital	ADJ
fbem-7151	71	36	information	information	NOUN
fbem-7151	71	37	barrier	barrier	NOUN
fbem-7151	71	38	from	from	ADP
fbem-7151	71	39	internal	internal	ADJ
fbem-7151	71	40	digital	digital	ADJ
fbem-7151	71	41	information	information	NOUN
fbem-7151	71	42	and	and	CCONJ
fbem-7151	71	43	external	external	ADJ
fbem-7151	71	44	digital	digital	ADJ
fbem-7151	71	45	information	information	NOUN
fbem-7151	71	46	channels	channel	NOUN
fbem-7151	71	47	will	will	AUX
fbem-7151	71	48	expand	expand	VERB
fbem-7151	71	49	the	the	DET
fbem-7151	71	50	database	database	NOUN
fbem-7151	71	51	and	and	CCONJ
fbem-7151	71	52	provide	provide	VERB
fbem-7151	71	53	data	data	NOUN
fbem-7151	71	54	resources	resource	NOUN
fbem-7151	71	55	for	for	ADP
fbem-7151	71	56	digital	digital	ADJ
fbem-7151	71	57	transformation.(shen,2021	transformation.(shen,2021	NOUN
fbem-7151	71	58	)	)	PUNCT
fbem-7151	71	59	2.2.4	2.2.4	NUM
fbem-7151	71	60	.	.	PUNCT
fbem-7151	72	1	internal	internal	ADJ
fbem-7151	72	2	management	management	NOUN
fbem-7151	72	3	the	the	DET
fbem-7151	72	4	digital	digital	ADJ
fbem-7151	72	5	transformation	transformation	NOUN
fbem-7151	72	6	of	of	ADP
fbem-7151	72	7	internal	internal	ADJ
fbem-7151	72	8	management	management	NOUN
fbem-7151	72	9	is	be	AUX
fbem-7151	72	10	mainly	mainly	ADV
fbem-7151	72	11	reflected	reflect	VERB
fbem-7151	72	12	in	in	ADP
fbem-7151	72	13	the	the	DET
fbem-7151	72	14	system	system	NOUN
fbem-7151	72	15	guarantee	guarantee	NOUN
fbem-7151	72	16	for	for	ADP
fbem-7151	72	17	coordinating	coordinate	VERB
fbem-7151	72	18	the	the	DET
fbem-7151	72	19	cooperation	cooperation	NOUN
fbem-7151	72	20	between	between	ADP
fbem-7151	72	21	various	various	ADJ
fbem-7151	72	22	departments	department	NOUN
fbem-7151	72	23	.	.	PUNCT
fbem-7151	73	1	it	it	PRON
fbem-7151	73	2	is	be	AUX
fbem-7151	73	3	necessary	necessary	ADJ
fbem-7151	73	4	to	to	PART
fbem-7151	73	5	strengthen	strengthen	VERB
fbem-7151	73	6	the	the	DET
fbem-7151	73	7	vertical	vertical	ADJ
fbem-7151	73	8	management	management	NOUN
fbem-7151	73	9	system	system	NOUN
fbem-7151	73	10	of	of	ADP
fbem-7151	73	11	each	each	DET
fbem-7151	73	12	department	department	NOUN
fbem-7151	73	13	and	and	CCONJ
fbem-7151	73	14	establish	establish	VERB
fbem-7151	73	15	the	the	DET
fbem-7151	73	16	internal	internal	ADJ
fbem-7151	73	17	management	management	NOUN
fbem-7151	73	18	headquarters	headquarters	NOUN
fbem-7151	73	19	system(gao,2020	system(gao,2020	PROPN
fbem-7151	73	20	)	)	PUNCT
fbem-7151	73	21	at	at	ADP
fbem-7151	73	22	the	the	DET
fbem-7151	73	23	same	same	ADJ
fbem-7151	73	24	time	time	NOUN
fbem-7151	73	25	,	,	PUNCT
fbem-7151	73	26	the	the	DET
fbem-7151	73	27	external	external	ADJ
fbem-7151	73	28	fintech	fintech	NOUN
fbem-7151	73	29	enterprises	enterprise	NOUN
fbem-7151	73	30	are	be	AUX
fbem-7151	73	31	constantly	constantly	ADV
fbem-7151	73	32	crowding	crowd	VERB
fbem-7151	73	33	the	the	DET
fbem-7151	73	34	market	market	NOUN
fbem-7151	73	35	,	,	PUNCT
fbem-7151	73	36	and	and	CCONJ
fbem-7151	73	37	it	it	PRON
fbem-7151	73	38	is	be	AUX
fbem-7151	73	39	urgent	urgent	ADJ
fbem-7151	73	40	to	to	PART
fbem-7151	73	41	make	make	VERB
fbem-7151	73	42	use	use	NOUN
fbem-7151	73	43	of	of	ADP
fbem-7151	73	44	the	the	DET
fbem-7151	73	45	digital	digital	ADJ
fbem-7151	73	46	transformation	transformation	NOUN
fbem-7151	73	47	of	of	ADP
fbem-7151	73	48	internal	internal	ADJ
fbem-7151	73	49	management	management	NOUN
fbem-7151	73	50	to	to	PART
fbem-7151	73	51	enable	enable	VERB
fbem-7151	73	52	change.(yan,2021	change.(yan,2021	PROPN
fbem-7151	73	53	)	)	PUNCT
fbem-7151	73	54	so	so	SCONJ
fbem-7151	73	55	as	as	SCONJ
fbem-7151	73	56	to	to	PART
fbem-7151	73	57	promote	promote	VERB
fbem-7151	73	58	the	the	DET
fbem-7151	73	59	digital	digital	ADJ
fbem-7151	73	60	transformation	transformation	NOUN
fbem-7151	73	61	of	of	ADP
fbem-7151	73	62	internal	internal	ADJ
fbem-7151	73	63	management	management	NOUN
fbem-7151	73	64	and	and	CCONJ
fbem-7151	73	65	improve	improve	VERB
fbem-7151	73	66	the	the	DET
fbem-7151	73	67	efficiency	efficiency	NOUN
fbem-7151	73	68	of	of	ADP
fbem-7151	73	69	the	the	DET
fbem-7151	73	70	enterprise.(jia,2021	enterprise.(jia,2021	NOUN
fbem-7151	73	71	)	)	PUNCT
fbem-7151	73	72	to	to	PART
fbem-7151	73	73	strengthen	strengthen	VERB
fbem-7151	73	74	the	the	DET
fbem-7151	73	75	digital	digital	ADJ
fbem-7151	73	76	transformation	transformation	NOUN
fbem-7151	73	77	guarantee	guarantee	NOUN
fbem-7151	73	78	of	of	ADP
fbem-7151	73	79	internal	internal	ADJ
fbem-7151	73	80	management	management	NOUN
fbem-7151	73	81	,	,	PUNCT
fbem-7151	73	82	the	the	DET
fbem-7151	73	83	success	success	NOUN
fbem-7151	73	84	rate	rate	NOUN
fbem-7151	73	85	can	can	AUX
fbem-7151	73	86	be	be	AUX
fbem-7151	73	87	increased	increase	VERB
fbem-7151	73	88	by	by	ADP
fbem-7151	73	89	promoting	promote	VERB
fbem-7151	73	90	agile	agile	ADJ
fbem-7151	73	91	organizational	organizational	ADJ
fbem-7151	73	92	change	change	NOUN
fbem-7151	73	93	,	,	PUNCT
fbem-7151	73	94	reshaping	reshape	VERB
fbem-7151	73	95	the	the	DET
fbem-7151	73	96	digital	digital	ADJ
fbem-7151	73	97	innovation	innovation	NOUN
fbem-7151	73	98	culture	culture	NOUN
fbem-7151	73	99	,	,	PUNCT
fbem-7151	73	100	and	and	CCONJ
fbem-7151	73	101	increasing	increase	VERB
fbem-7151	73	102	the	the	DET
fbem-7151	73	103	training	training	NOUN
fbem-7151	73	104	of	of	ADP
fbem-7151	73	105	digital	digital	ADJ
fbem-7151	73	106	talents	talent	NOUN
fbem-7151	73	107	.	.	PUNCT
fbem-7151	74	1	（hu,2022	（hu,2022	PROPN
fbem-7151	74	2	）	）	PROPN
fbem-7151	75	1	2.3	2.3	NUM
fbem-7151	75	2	.	.	PUNCT
fbem-7151	75	3	theory	theory	NOUN
fbem-7151	75	4	of	of	ADP
fbem-7151	75	5	reviews	review	NOUN
fbem-7151	75	6	2.3.1	2.3.1	NUM
fbem-7151	75	7	.	.	PUNCT
fbem-7151	75	8	fintech	fintech	NOUN
fbem-7151	75	9	theory	theory	NOUN
fbem-7151	75	10	fintech	fintech	NOUN
fbem-7151	75	11	means	mean	VERB
fbem-7151	75	12	to	to	PART
fbem-7151	75	13	provide	provide	VERB
fbem-7151	75	14	technical	technical	ADJ
fbem-7151	75	15	support	support	NOUN
fbem-7151	75	16	for	for	ADP
fbem-7151	75	17	the	the	DET
fbem-7151	75	18	development	development	NOUN
fbem-7151	75	19	of	of	ADP
fbem-7151	75	20	the	the	DET
fbem-7151	75	21	financial	financial	ADJ
fbem-7151	75	22	industry	industry	NOUN
fbem-7151	75	23	by	by	ADP
fbem-7151	75	24	meeting	meet	VERB
fbem-7151	75	25	the	the	DET
fbem-7151	75	26	application	application	NOUN
fbem-7151	75	27	needs	need	NOUN
fbem-7151	75	28	of	of	ADP
fbem-7151	75	29	the	the	DET
fbem-7151	75	30	financial	financial	ADJ
fbem-7151	75	31	industry	industry	NOUN
fbem-7151	75	32	and	and	CCONJ
fbem-7151	75	33	using	use	VERB
fbem-7151	75	34	science	science	NOUN
fbem-7151	75	35	and	and	CCONJ
fbem-7151	75	36	technology	technology	NOUN
fbem-7151	75	37	,	,	PUNCT
fbem-7151	75	38	so	so	SCONJ
fbem-7151	75	39	as	as	SCONJ
fbem-7151	75	40	to	to	PART
fbem-7151	75	41	improve	improve	VERB
fbem-7151	75	42	the	the	DET
fbem-7151	75	43	ability	ability	NOUN
fbem-7151	75	44	of	of	ADP
fbem-7151	75	45	financial	financial	ADJ
fbem-7151	75	46	services	service	NOUN
fbem-7151	75	47	and	and	CCONJ
fbem-7151	75	48	reduce	reduce	VERB
fbem-7151	75	49	the	the	DET
fbem-7151	75	50	cost	cost	NOUN
fbem-7151	75	51	of	of	ADP
fbem-7151	75	52	financial	financial	ADJ
fbem-7151	75	53	services	service	NOUN
fbem-7151	75	54	.	.	PUNCT
fbem-7151	76	1	2.3.2	2.3.2	X
fbem-7151	76	2	.	.	X
fbem-7151	76	3	bank	bank	PROPN
fbem-7151	76	4	digital	digital	ADJ
fbem-7151	76	5	transformation	transformation	NOUN
fbem-7151	76	6	theory	theory	NOUN
fbem-7151	76	7	the	the	DET
fbem-7151	76	8	theory	theory	NOUN
fbem-7151	76	9	of	of	ADP
fbem-7151	76	10	bank	bank	PROPN
fbem-7151	76	11	digital	digital	ADJ
fbem-7151	76	12	transformation	transformation	NOUN
fbem-7151	76	13	is	be	AUX
fbem-7151	76	14	as	as	SCONJ
fbem-7151	76	15	follows	follow	VERB
fbem-7151	76	16	:	:	PUNCT
fbem-7151	76	17	channel	channel	NOUN
fbem-7151	76	18	transformation	transformation	NOUN
fbem-7151	76	19	is	be	AUX
fbem-7151	76	20	essentially	essentially	ADV
fbem-7151	76	21	integration	integration	NOUN
fbem-7151	76	22	transformation	transformation	NOUN
fbem-7151	76	23	,	,	PUNCT
fbem-7151	76	24	which	which	PRON
fbem-7151	76	25	is	be	AUX
fbem-7151	76	26	reflected	reflect	VERB
fbem-7151	76	27	in	in	ADP
fbem-7151	76	28	the	the	DET
fbem-7151	76	29	adjustment	adjustment	NOUN
fbem-7151	76	30	of	of	ADP
fbem-7151	76	31	bank	bank	PROPN
fbem-7151	76	32	financial	financial	ADJ
fbem-7151	76	33	business	business	NOUN
fbem-7151	76	34	structure	structure	NOUN
fbem-7151	76	35	.	.	PUNCT
fbem-7151	77	1	user	user	NOUN
fbem-7151	77	2	-	-	PUNCT
fbem-7151	77	3	centered	center	VERB
fbem-7151	77	4	transformation	transformation	NOUN
fbem-7151	77	5	is	be	AUX
fbem-7151	77	6	the	the	DET
fbem-7151	77	7	shift	shift	NOUN
fbem-7151	77	8	of	of	ADP
fbem-7151	77	9	product	product	NOUN
fbem-7151	77	10	innovation	innovation	NOUN
fbem-7151	77	11	,	,	PUNCT
fbem-7151	77	12	business	business	NOUN
fbem-7151	77	13	processes	process	NOUN
fbem-7151	77	14	and	and	CCONJ
fbem-7151	77	15	service	service	NOUN
fbem-7151	77	16	models	model	NOUN
fbem-7151	77	17	to	to	ADP
fbem-7151	77	18	user	user	NOUN
fbem-7151	77	19	-	-	PUNCT
fbem-7151	77	20	centered	center	VERB
fbem-7151	77	21	transformation	transformation	NOUN
fbem-7151	77	22	.	.	PUNCT
fbem-7151	78	1	the	the	DET
fbem-7151	78	2	third	third	ADJ
fbem-7151	78	3	transformation	transformation	NOUN
fbem-7151	78	4	of	of	ADP
fbem-7151	78	5	digital	digital	ADJ
fbem-7151	78	6	transformation	transformation	NOUN
fbem-7151	78	7	is	be	AUX
fbem-7151	78	8	technologysupported	technologysupporte	VERB
fbem-7151	78	9	transformation	transformation	NOUN
fbem-7151	78	10	,	,	PUNCT
fbem-7151	78	11	which	which	PRON
fbem-7151	78	12	is	be	AUX
fbem-7151	78	13	the	the	DET
fbem-7151	78	14	transformation	transformation	NOUN
fbem-7151	78	15	of	of	ADP
fbem-7151	78	16	financial	financial	ADJ
fbem-7151	78	17	management	management	NOUN
fbem-7151	78	18	mode	mode	NOUN
fbem-7151	78	19	.	.	PUNCT
fbem-7151	79	1	2.3.3	2.3.3	X
fbem-7151	79	2	.	.	PUNCT
fbem-7151	79	3	digital	digital	ADJ
fbem-7151	79	4	banking	banking	NOUN
fbem-7151	79	5	theory	theory	NOUN
fbem-7151	79	6	digital	digital	ADJ
fbem-7151	79	7	banking	banking	NOUN
fbem-7151	79	8	means	mean	VERB
fbem-7151	79	9	the	the	DET
fbem-7151	79	10	full	full	ADJ
fbem-7151	79	11	digitization	digitization	NOUN
fbem-7151	79	12	of	of	ADP
fbem-7151	79	13	the	the	DET
fbem-7151	79	14	bank	bank	NOUN
fbem-7151	79	15	and	and	CCONJ
fbem-7151	79	16	all	all	DET
fbem-7151	79	17	its	its	PRON
fbem-7151	79	18	activities	activity	NOUN
fbem-7151	79	19	,	,	PUNCT
fbem-7151	79	20	programs	program	NOUN
fbem-7151	79	21	and	and	CCONJ
fbem-7151	79	22	functions	function	NOUN
fbem-7151	79	23	.	.	PUNCT
fbem-7151	80	1	it	it	PRON
fbem-7151	80	2	's	be	AUX
fbem-7151	80	3	not	not	PART
fbem-7151	80	4	just	just	ADV
fbem-7151	80	5	about	about	ADP
fbem-7151	80	6	digital	digital	ADJ
fbem-7151	80	7	services	service	NOUN
fbem-7151	80	8	and	and	CCONJ
fbem-7151	80	9	products	product	NOUN
fbem-7151	80	10	-the	-the	DET
fbem-7151	80	11	front	front	ADJ
fbem-7151	80	12	end	end	NOUN
fbem-7151	80	13	that	that	SCONJ
fbem-7151	80	14	customers	customer	NOUN
fbem-7151	80	15	see	see	VERB
fbem-7151	80	16	-but	-but	PUNCT
fbem-7151	80	17	also	also	ADV
fbem-7151	80	18	about	about	ADP
fbem-7151	80	19	automating	automate	VERB
fbem-7151	80	20	processes	process	NOUN
fbem-7151	80	21	(	(	PUNCT
fbem-7151	80	22	the	the	DET
fbem-7151	80	23	back	back	ADJ
fbem-7151	80	24	end	end	NOUN
fbem-7151	80	25	)	)	PUNCT
fbem-7151	80	26	and	and	CCONJ
fbem-7151	80	27	connecting	connect	VERB
fbem-7151	80	28	those	those	DET
fbem-7151	80	29	worlds	world	NOUN
fbem-7151	80	30	to	to	PART
fbem-7151	80	31	middleware	middleware	VERB
fbem-7151	80	32	.	.	PUNCT
fbem-7151	81	1	digital	digital	ADJ
fbem-7151	81	2	banking	banking	NOUN
fbem-7151	81	3	is	be	AUX
fbem-7151	81	4	about	about	ADP
fbem-7151	81	5	automating	automate	VERB
fbem-7151	81	6	every	every	DET
fbem-7151	81	7	step	step	NOUN
fbem-7151	81	8	of	of	ADP
fbem-7151	81	9	the	the	DET
fbem-7151	81	10	banking	banking	NOUN
fbem-7151	81	11	relationship	relationship	NOUN
fbem-7151	81	12	,	,	PUNCT
fbem-7151	81	13	and	and	CCONJ
fbem-7151	81	14	it	it	PRON
fbem-7151	81	15	goes	go	VERB
fbem-7151	81	16	beyond	beyond	ADP
fbem-7151	81	17	online	online	ADJ
fbem-7151	81	18	or	or	CCONJ
fbem-7151	81	19	mobile	mobile	ADJ
fbem-7151	81	20	banking	banking	NOUN
fbem-7151	81	21	platforms	platform	NOUN
fbem-7151	81	22	.	.	PUNCT
fbem-7151	82	1	2.4	2.4	NUM
fbem-7151	82	2	.	.	PUNCT
fbem-7151	82	3	research	research	NOUN
fbem-7151	82	4	relevant	relevant	ADJ
fbem-7151	82	5	fintech	fintech	NOUN
fbem-7151	82	6	theory	theory	NOUN
fbem-7151	82	7	,	,	PUNCT
fbem-7151	82	8	bank	bank	PROPN
fbem-7151	82	9	digital	digital	ADJ
fbem-7151	82	10	transformation	transformation	NOUN
fbem-7151	82	11	theory	theory	NOUN
fbem-7151	82	12	and	and	CCONJ
fbem-7151	82	13	digital	digital	ADJ
fbem-7151	82	14	banking	banking	NOUN
fbem-7151	82	15	theory	theory	NOUN
fbem-7151	82	16	are	be	AUX
fbem-7151	82	17	all	all	ADV
fbem-7151	82	18	closely	closely	ADV
fbem-7151	82	19	related	relate	VERB
fbem-7151	82	20	to	to	ADP
fbem-7151	82	21	the	the	DET
fbem-7151	82	22	corporate	corporate	ADJ
fbem-7151	82	23	business	business	NOUN
fbem-7151	82	24	,	,	PUNCT
fbem-7151	82	25	retail	retail	ADJ
fbem-7151	82	26	business	business	NOUN
fbem-7151	82	27	and	and	CCONJ
fbem-7151	82	28	internal	internal	ADJ
fbem-7151	82	29	management	management	NOUN
fbem-7151	82	30	of	of	ADP
fbem-7151	82	31	banks	bank	NOUN
fbem-7151	82	32	,	,	PUNCT
fbem-7151	82	33	and	and	CCONJ
fbem-7151	82	34	play	play	VERB
fbem-7151	82	35	an	an	DET
fbem-7151	82	36	important	important	ADJ
fbem-7151	82	37	role	role	NOUN
fbem-7151	82	38	in	in	ADP
fbem-7151	82	39	the	the	DET
fbem-7151	82	40	digital	digital	ADJ
fbem-7151	82	41	transformation	transformation	NOUN
fbem-7151	82	42	.	.	PUNCT
fbem-7151	83	1	moreover	moreover	ADV
fbem-7151	83	2	,	,	PUNCT
fbem-7151	83	3	these	these	DET
fbem-7151	83	4	theories	theory	NOUN
fbem-7151	83	5	can	can	AUX
fbem-7151	83	6	fit	fit	VERB
fbem-7151	83	7	in	in	ADP
fbem-7151	83	8	with	with	ADP
fbem-7151	83	9	the	the	DET
fbem-7151	83	10	actual	actual	ADJ
fbem-7151	83	11	development	development	NOUN
fbem-7151	83	12	of	of	ADP
fbem-7151	83	13	banks	bank	NOUN
fbem-7151	83	14	and	and	CCONJ
fbem-7151	83	15	have	have	VERB
fbem-7151	83	16	guiding	guiding	NOUN
fbem-7151	83	17	significance	significance	NOUN
fbem-7151	83	18	for	for	ADP
fbem-7151	83	19	the	the	DET
fbem-7151	83	20	development	development	NOUN
fbem-7151	83	21	of	of	ADP
fbem-7151	83	22	banks	bank	NOUN
fbem-7151	83	23	'	'	PART
fbem-7151	83	24	digital	digital	ADJ
fbem-7151	83	25	transformation	transformation	NOUN
fbem-7151	83	26	.	.	PUNCT
fbem-7151	84	1	2.5	2.5	NUM
fbem-7151	84	2	.	.	PUNCT
fbem-7151	85	1	conceptual	conceptual	ADJ
fbem-7151	85	2	framework	framework	NOUN
fbem-7151	85	3	210	210	NUM
fbem-7151	85	4	�	�	PROPN
fbem-7151	85	5	2.6	2.6	NUM
fbem-7151	85	6	.	.	PUNCT
fbem-7151	86	1	terms	term	NOUN
fbem-7151	86	2	and	and	CCONJ
fbem-7151	86	3	definition	definition	NOUN
fbem-7151	86	4	used	use	VERB
fbem-7151	86	5	in	in	ADP
fbem-7151	86	6	this	this	DET
fbem-7151	86	7	study	study	NOUN
fbem-7151	86	8	2.6.1	2.6.1	NUM
fbem-7151	86	9	.	.	PUNCT
fbem-7151	87	1	digital	digital	ADJ
fbem-7151	87	2	transformation	transformation	NOUN
fbem-7151	87	3	digital	digital	ADJ
fbem-7151	87	4	transformation	transformation	NOUN
fbem-7151	87	5	is	be	AUX
fbem-7151	87	6	to	to	PART
fbem-7151	87	7	attach	attach	VERB
fbem-7151	87	8	great	great	ADJ
fbem-7151	87	9	importance	importance	NOUN
fbem-7151	87	10	to	to	PART
fbem-7151	87	11	and	and	CCONJ
fbem-7151	87	12	give	give	VERB
fbem-7151	87	13	full	full	ADJ
fbem-7151	87	14	play	play	NOUN
fbem-7151	87	15	to	to	ADP
fbem-7151	87	16	the	the	DET
fbem-7151	87	17	role	role	NOUN
fbem-7151	87	18	of	of	ADP
fbem-7151	87	19	data	datum	NOUN
fbem-7151	87	20	,	,	PUNCT
fbem-7151	87	21	make	make	VERB
fbem-7151	87	22	full	full	ADJ
fbem-7151	87	23	use	use	NOUN
fbem-7151	87	24	of	of	ADP
fbem-7151	87	25	the	the	DET
fbem-7151	87	26	new	new	ADJ
fbem-7151	87	27	generation	generation	NOUN
fbem-7151	87	28	of	of	ADP
fbem-7151	87	29	information	information	NOUN
fbem-7151	87	30	technology	technology	NOUN
fbem-7151	87	31	,	,	PUNCT
fbem-7151	87	32	build	build	VERB
fbem-7151	87	33	a	a	DET
fbem-7151	87	34	closed	closed	ADJ
fbem-7151	87	35	loop	loop	NOUN
fbem-7151	87	36	of	of	ADP
fbem-7151	87	37	collection	collection	NOUN
fbem-7151	87	38	,	,	PUNCT
fbem-7151	87	39	transmission	transmission	NOUN
fbem-7151	87	40	,	,	PUNCT
fbem-7151	87	41	storage	storage	NOUN
fbem-7151	87	42	,	,	PUNCT
fbem-7151	87	43	processing	processing	NOUN
fbem-7151	87	44	and	and	CCONJ
fbem-7151	87	45	feedback	feedback	NOUN
fbem-7151	87	46	,	,	PUNCT
fbem-7151	87	47	break	break	VERB
fbem-7151	87	48	through	through	ADP
fbem-7151	87	49	the	the	DET
fbem-7151	87	50	data	data	NOUN
fbem-7151	87	51	barriers	barrier	NOUN
fbem-7151	87	52	between	between	ADP
fbem-7151	87	53	different	different	ADJ
fbem-7151	87	54	levels	level	NOUN
fbem-7151	87	55	and	and	CCONJ
fbem-7151	87	56	different	different	ADJ
fbem-7151	87	57	industries	industry	NOUN
fbem-7151	87	58	,	,	PUNCT
fbem-7151	87	59	so	so	SCONJ
fbem-7151	87	60	as	as	SCONJ
fbem-7151	87	61	to	to	PART
fbem-7151	87	62	effectively	effectively	ADV
fbem-7151	87	63	improve	improve	VERB
fbem-7151	87	64	the	the	DET
fbem-7151	87	65	overall	overall	ADJ
fbem-7151	87	66	operation	operation	NOUN
fbem-7151	87	67	efficiency	efficiency	NOUN
fbem-7151	87	68	of	of	ADP
fbem-7151	87	69	the	the	DET
fbem-7151	87	70	industry	industry	NOUN
fbem-7151	87	71	.	.	PUNCT
fbem-7151	88	1	2.6.2	2.6.2	X
fbem-7151	88	2	.	.	PUNCT
fbem-7151	88	3	corporate	corporate	ADJ
fbem-7151	88	4	services	service	NOUN
fbem-7151	88	5	banking	bank	VERB
fbem-7151	88	6	corporate	corporate	ADJ
fbem-7151	88	7	business	business	NOUN
fbem-7151	88	8	is	be	AUX
fbem-7151	88	9	the	the	DET
fbem-7151	88	10	financial	financial	ADJ
fbem-7151	88	11	service	service	NOUN
fbem-7151	88	12	provided	provide	VERB
fbem-7151	88	13	by	by	ADP
fbem-7151	88	14	commercial	commercial	ADJ
fbem-7151	88	15	banks	bank	NOUN
fbem-7151	88	16	for	for	ADP
fbem-7151	88	17	corporate	corporate	ADJ
fbem-7151	88	18	customers	customer	NOUN
fbem-7151	88	19	.	.	PUNCT
fbem-7151	89	1	this	this	PRON
fbem-7151	89	2	includes	include	VERB
fbem-7151	89	3	loans	loan	NOUN
fbem-7151	89	4	to	to	ADP
fbem-7151	89	5	non	non	ADJ
fbem-7151	89	6	-	-	ADJ
fbem-7151	89	7	financial	financial	ADJ
fbem-7151	89	8	institutions	institution	NOUN
fbem-7151	89	9	,	,	PUNCT
fbem-7151	89	10	finance	finance	NOUN
fbem-7151	89	11	companies	company	NOUN
fbem-7151	89	12	(	(	PUNCT
fbem-7151	89	13	such	such	ADJ
fbem-7151	89	14	as	as	ADP
fbem-7151	89	15	life	life	NOUN
fbem-7151	89	16	insurance	insurance	NOUN
fbem-7151	89	17	)	)	PUNCT
fbem-7151	89	18	,	,	PUNCT
fbem-7151	89	19	government	government	NOUN
fbem-7151	89	20	agencies	agency	NOUN
fbem-7151	89	21	,	,	PUNCT
fbem-7151	89	22	as	as	ADV
fbem-7151	89	23	well	well	ADV
fbem-7151	89	24	as	as	ADP
fbem-7151	89	25	commercial	commercial	ADJ
fbem-7151	89	26	real	real	ADJ
fbem-7151	89	27	estate	estate	NOUN
fbem-7151	89	28	financing	financing	NOUN
fbem-7151	89	29	,	,	PUNCT
fbem-7151	89	30	leasing	leasing	NOUN
fbem-7151	89	31	,	,	PUNCT
fbem-7151	89	32	and	and	CCONJ
fbem-7151	89	33	loan	loan	NOUN
fbem-7151	89	34	collection	collection	NOUN
fbem-7151	89	35	.	.	PUNCT
fbem-7151	90	1	2.6.3	2.6.3	NUM
fbem-7151	90	2	.	.	PUNCT
fbem-7151	91	1	retail	retail	ADJ
fbem-7151	91	2	services	service	NOUN
fbem-7151	91	3	commercial	commercial	ADJ
fbem-7151	91	4	banking	banking	NOUN
fbem-7151	91	5	is	be	AUX
fbem-7151	91	6	divided	divide	VERB
fbem-7151	91	7	into	into	ADP
fbem-7151	91	8	wholesale	wholesale	ADJ
fbem-7151	91	9	banking	banking	NOUN
fbem-7151	91	10	and	and	CCONJ
fbem-7151	91	11	retail	retail	ADJ
fbem-7151	91	12	banking	banking	NOUN
fbem-7151	91	13	from	from	ADP
fbem-7151	91	14	the	the	DET
fbem-7151	91	15	perspective	perspective	NOUN
fbem-7151	91	16	of	of	ADP
fbem-7151	91	17	service	service	NOUN
fbem-7151	91	18	objects	object	NOUN
fbem-7151	91	19	.	.	PUNCT
fbem-7151	92	1	among	among	ADP
fbem-7151	92	2	them	they	PRON
fbem-7151	92	3	,	,	PUNCT
fbem-7151	92	4	the	the	DET
fbem-7151	92	5	banking	banking	NOUN
fbem-7151	92	6	mainly	mainly	ADV
fbem-7151	92	7	for	for	ADP
fbem-7151	92	8	enterprises	enterprise	NOUN
fbem-7151	92	9	or	or	CCONJ
fbem-7151	92	10	other	other	ADJ
fbem-7151	92	11	institutions	institution	NOUN
fbem-7151	92	12	and	and	CCONJ
fbem-7151	92	13	organizations	organization	NOUN
fbem-7151	92	14	is	be	AUX
fbem-7151	92	15	called	call	VERB
fbem-7151	92	16	wholesale	wholesale	ADJ
fbem-7151	92	17	banking	banking	NOUN
fbem-7151	92	18	2.6.4	2.6.4	NUM
fbem-7151	92	19	.	.	PUNCT
fbem-7151	93	1	internal	internal	ADJ
fbem-7151	93	2	management	management	NOUN
fbem-7151	93	3	the	the	DET
fbem-7151	93	4	digital	digital	ADJ
fbem-7151	93	5	transformation	transformation	NOUN
fbem-7151	93	6	of	of	ADP
fbem-7151	93	7	bank	bank	PROPN
fbem-7151	93	8	internal	internal	ADJ
fbem-7151	93	9	management	management	NOUN
fbem-7151	93	10	is	be	AUX
fbem-7151	93	11	a	a	DET
fbem-7151	93	12	comprehensive	comprehensive	ADJ
fbem-7151	93	13	transformation	transformation	NOUN
fbem-7151	93	14	of	of	ADP
fbem-7151	93	15	bank	bank	NOUN
fbem-7151	93	16	operation	operation	NOUN
fbem-7151	93	17	and	and	CCONJ
fbem-7151	93	18	management	management	NOUN
fbem-7151	93	19	using	use	VERB
fbem-7151	93	20	digital	digital	ADJ
fbem-7151	93	21	technology	technology	NOUN
fbem-7151	93	22	.	.	PUNCT
fbem-7151	94	1	it	it	PRON
fbem-7151	94	2	is	be	AUX
fbem-7151	94	3	important	important	ADJ
fbem-7151	94	4	to	to	PART
fbem-7151	94	5	use	use	VERB
fbem-7151	94	6	digital	digital	ADJ
fbem-7151	94	7	technology	technology	NOUN
fbem-7151	94	8	to	to	PART
fbem-7151	94	9	analyze	analyze	VERB
fbem-7151	94	10	customer	customer	NOUN
fbem-7151	94	11	needs	need	NOUN
fbem-7151	94	12	,	,	PUNCT
fbem-7151	94	13	analyze	analyze	VERB
fbem-7151	94	14	customer	customer	NOUN
fbem-7151	94	15	risks	risk	NOUN
fbem-7151	94	16	,	,	PUNCT
fbem-7151	94	17	and	and	CCONJ
fbem-7151	94	18	innovate	innovate	VERB
fbem-7151	94	19	the	the	DET
fbem-7151	94	20	process	process	NOUN
fbem-7151	94	21	and	and	CCONJ
fbem-7151	94	22	way	way	NOUN
fbem-7151	94	23	of	of	ADP
fbem-7151	94	24	serving	serve	VERB
fbem-7151	94	25	customers	customer	NOUN
fbem-7151	94	26	,	,	PUNCT
fbem-7151	94	27	but	but	CCONJ
fbem-7151	94	28	this	this	PRON
fbem-7151	94	29	is	be	AUX
fbem-7151	94	30	only	only	ADV
fbem-7151	94	31	one	one	NUM
fbem-7151	94	32	aspect	aspect	NOUN
fbem-7151	94	33	of	of	ADP
fbem-7151	94	34	bank	bank	NOUN
fbem-7151	94	35	operation	operation	NOUN
fbem-7151	94	36	and	and	CCONJ
fbem-7151	94	37	management	management	NOUN
fbem-7151	94	38	.	.	PUNCT
fbem-7151	95	1	3	3	X
fbem-7151	95	2	.	.	X
fbem-7151	95	3	research	research	NOUN
fbem-7151	95	4	methods	method	NOUN
fbem-7151	95	5	this	this	DET
fbem-7151	95	6	paper	paper	NOUN
fbem-7151	95	7	mainly	mainly	ADV
fbem-7151	95	8	adopts	adopt	VERB
fbem-7151	95	9	the	the	DET
fbem-7151	95	10	following	follow	VERB
fbem-7151	95	11	two	two	NUM
fbem-7151	95	12	methods	method	NOUN
fbem-7151	95	13	to	to	PART
fbem-7151	95	14	carry	carry	VERB
fbem-7151	95	15	out	out	ADP
fbem-7151	95	16	research	research	NOUN
fbem-7151	95	17	:	:	PUNCT
fbem-7151	95	18	(	(	PUNCT
fbem-7151	95	19	1	1	X
fbem-7151	95	20	)	)	PUNCT
fbem-7151	95	21	literature	literature	NOUN
fbem-7151	95	22	research	research	NOUN
fbem-7151	95	23	method	method	NOUN
fbem-7151	95	24	:	:	PUNCT
fbem-7151	95	25	literature	literature	NOUN
fbem-7151	95	26	review	review	NOUN
fbem-7151	95	27	and	and	CCONJ
fbem-7151	95	28	study	study	NOUN
fbem-7151	95	29	are	be	AUX
fbem-7151	95	30	carried	carry	VERB
fbem-7151	95	31	out	out	ADP
fbem-7151	95	32	through	through	ADP
fbem-7151	95	33	network	network	NOUN
fbem-7151	95	34	resources	resource	NOUN
fbem-7151	95	35	such	such	ADJ
fbem-7151	95	36	as	as	ADP
fbem-7151	95	37	library	library	NOUN
fbem-7151	95	38	,	,	PUNCT
fbem-7151	95	39	cnki	cnki	ADJ
fbem-7151	95	40	and	and	CCONJ
fbem-7151	95	41	various	various	ADJ
fbem-7151	95	42	journal	journal	NOUN
fbem-7151	95	43	networks	network	NOUN
fbem-7151	95	44	,	,	PUNCT
fbem-7151	95	45	and	and	CCONJ
fbem-7151	95	46	relevant	relevant	ADJ
fbem-7151	95	47	literature	literature	NOUN
fbem-7151	95	48	on	on	ADP
fbem-7151	95	49	digital	digital	ADJ
fbem-7151	95	50	transformation	transformation	NOUN
fbem-7151	95	51	,	,	PUNCT
fbem-7151	95	52	corporate	corporate	ADJ
fbem-7151	95	53	business	business	NOUN
fbem-7151	95	54	,	,	PUNCT
fbem-7151	95	55	retail	retail	ADJ
fbem-7151	95	56	business	business	NOUN
fbem-7151	95	57	and	and	CCONJ
fbem-7151	95	58	internal	internal	ADJ
fbem-7151	95	59	management	management	NOUN
fbem-7151	95	60	is	be	AUX
fbem-7151	95	61	carefully	carefully	ADV
fbem-7151	95	62	studied	study	VERB
fbem-7151	95	63	.	.	PUNCT
fbem-7151	96	1	concepts	concept	NOUN
fbem-7151	96	2	and	and	CCONJ
fbem-7151	96	3	models	model	NOUN
fbem-7151	96	4	to	to	PART
fbem-7151	96	5	be	be	AUX
fbem-7151	96	6	mastered	master	VERB
fbem-7151	96	7	are	be	AUX
fbem-7151	96	8	summarized	summarize	VERB
fbem-7151	96	9	as	as	ADP
fbem-7151	96	10	the	the	DET
fbem-7151	96	11	theoretical	theoretical	ADJ
fbem-7151	96	12	basis	basis	NOUN
fbem-7151	96	13	of	of	ADP
fbem-7151	96	14	this	this	DET
fbem-7151	96	15	paper	paper	NOUN
fbem-7151	96	16	.	.	PUNCT
fbem-7151	97	1	learn	learn	VERB
fbem-7151	97	2	the	the	DET
fbem-7151	97	3	latest	late	ADJ
fbem-7151	97	4	theories	theory	NOUN
fbem-7151	97	5	of	of	ADP
fbem-7151	97	6	financial	financial	ADJ
fbem-7151	97	7	technology	technology	NOUN
fbem-7151	97	8	,	,	PUNCT
fbem-7151	97	9	and	and	CCONJ
fbem-7151	97	10	grasp	grasp	VERB
fbem-7151	97	11	the	the	DET
fbem-7151	97	12	relevant	relevant	ADJ
fbem-7151	97	13	information	information	NOUN
fbem-7151	97	14	as	as	ADP
fbem-7151	97	15	a	a	DET
fbem-7151	97	16	whole	whole	NOUN
fbem-7151	97	17	,	,	PUNCT
fbem-7151	97	18	so	so	SCONJ
fbem-7151	97	19	as	as	SCONJ
fbem-7151	97	20	to	to	PART
fbem-7151	97	21	provide	provide	VERB
fbem-7151	97	22	basic	basic	ADJ
fbem-7151	97	23	help	help	NOUN
fbem-7151	97	24	for	for	ADP
fbem-7151	97	25	the	the	DET
fbem-7151	97	26	development	development	NOUN
fbem-7151	97	27	of	of	ADP
fbem-7151	97	28	the	the	DET
fbem-7151	97	29	full	full	ADJ
fbem-7151	97	30	text	text	NOUN
fbem-7151	97	31	.	.	PUNCT
fbem-7151	98	1	(	(	PUNCT
fbem-7151	98	2	2	2	X
fbem-7151	98	3	)	)	PUNCT
fbem-7151	98	4	case	case	NOUN
fbem-7151	98	5	analysis	analysis	NOUN
fbem-7151	98	6	:	:	PUNCT
fbem-7151	98	7	this	this	DET
fbem-7151	98	8	study	study	NOUN
fbem-7151	98	9	takes	take	VERB
fbem-7151	98	10	gx	gx	PROPN
fbem-7151	98	11	branch	branch	NOUN
fbem-7151	98	12	of	of	ADP
fbem-7151	98	13	china	china	PROPN
fbem-7151	98	14	construction	construction	PROPN
fbem-7151	98	15	bank	bank	PROPN
fbem-7151	98	16	as	as	ADP
fbem-7151	98	17	a	a	DET
fbem-7151	98	18	typical	typical	ADJ
fbem-7151	98	19	case	case	NOUN
fbem-7151	98	20	,	,	PUNCT
fbem-7151	98	21	because	because	SCONJ
fbem-7151	98	22	it	it	PRON
fbem-7151	98	23	is	be	AUX
fbem-7151	98	24	a	a	DET
fbem-7151	98	25	representative	representative	ADJ
fbem-7151	98	26	bank	bank	NOUN
fbem-7151	98	27	with	with	ADP
fbem-7151	98	28	clear	clear	ADJ
fbem-7151	98	29	digital	digital	ADJ
fbem-7151	98	30	development	development	NOUN
fbem-7151	98	31	strategy	strategy	NOUN
fbem-7151	98	32	and	and	CCONJ
fbem-7151	98	33	process	process	NOUN
fbem-7151	98	34	in	in	ADP
fbem-7151	98	35	recent	recent	ADJ
fbem-7151	98	36	years	year	NOUN
fbem-7151	98	37	.	.	PUNCT
fbem-7151	99	1	in	in	ADP
fbem-7151	99	2	combination	combination	NOUN
fbem-7151	99	3	with	with	ADP
fbem-7151	99	4	the	the	DET
fbem-7151	99	5	opportunities	opportunity	NOUN
fbem-7151	99	6	and	and	CCONJ
fbem-7151	99	7	challenges	challenge	NOUN
fbem-7151	99	8	brought	bring	VERB
fbem-7151	99	9	by	by	ADP
fbem-7151	99	10	internet	internet	NOUN
fbem-7151	99	11	finance	finance	NOUN
fbem-7151	99	12	and	and	CCONJ
fbem-7151	99	13	fintech	fintech	NOUN
fbem-7151	99	14	to	to	ADP
fbem-7151	99	15	commercial	commercial	ADJ
fbem-7151	99	16	banks	bank	NOUN
fbem-7151	99	17	,	,	PUNCT
fbem-7151	99	18	this	this	DET
fbem-7151	99	19	paper	paper	NOUN
fbem-7151	99	20	analyzes	analyze	VERB
fbem-7151	99	21	its	its	PRON
fbem-7151	99	22	development	development	NOUN
fbem-7151	99	23	status	status	NOUN
fbem-7151	99	24	and	and	CCONJ
fbem-7151	99	25	existing	exist	VERB
fbem-7151	99	26	problems	problem	NOUN
fbem-7151	99	27	,	,	PUNCT
fbem-7151	99	28	so	so	SCONJ
fbem-7151	99	29	as	as	SCONJ
fbem-7151	99	30	to	to	PART
fbem-7151	99	31	combine	combine	VERB
fbem-7151	99	32	the	the	DET
fbem-7151	99	33	overall	overall	ADJ
fbem-7151	99	34	theory	theory	NOUN
fbem-7151	99	35	with	with	ADP
fbem-7151	99	36	the	the	DET
fbem-7151	99	37	actual	actual	ADJ
fbem-7151	99	38	situation	situation	NOUN
fbem-7151	99	39	.	.	PUNCT
fbem-7151	100	1	put	put	VERB
fbem-7151	100	2	forward	forward	ADP
fbem-7151	100	3	the	the	DET
fbem-7151	100	4	operable	operable	ADJ
fbem-7151	100	5	strategies	strategy	NOUN
fbem-7151	100	6	and	and	CCONJ
fbem-7151	100	7	suggestions	suggestion	NOUN
fbem-7151	100	8	,	,	PUNCT
fbem-7151	100	9	but	but	CCONJ
fbem-7151	100	10	also	also	ADV
fbem-7151	100	11	for	for	SCONJ
fbem-7151	100	12	the	the	DET
fbem-7151	100	13	digital	digital	ADJ
fbem-7151	100	14	development	development	NOUN
fbem-7151	100	15	of	of	ADP
fbem-7151	100	16	other	other	ADJ
fbem-7151	100	17	banks	bank	NOUN
fbem-7151	100	18	to	to	PART
fbem-7151	100	19	bring	bring	VERB
fbem-7151	100	20	certain	certain	ADJ
fbem-7151	100	21	reference	reference	NOUN
fbem-7151	100	22	.	.	PUNCT
fbem-7151	101	1	4	4	X
fbem-7151	101	2	.	.	X
fbem-7151	101	3	the	the	DET
fbem-7151	101	4	analysis	analysis	NOUN
fbem-7151	101	5	of	of	ADP
fbem-7151	101	6	digital	digital	ADJ
fbem-7151	101	7	transformation	transformation	NOUN
fbem-7151	101	8	development	development	NOUN
fbem-7151	101	9	of	of	ADP
fbem-7151	101	10	gx	gx	PROPN
fbem-7151	101	11	branch	branch	PROPN
fbem-7151	101	12	of	of	ADP
fbem-7151	101	13	china	china	PROPN
fbem-7151	101	14	construction	construction	PROPN
fbem-7151	101	15	bank	bank	PROPN
fbem-7151	101	16	4.1	4.1	NUM
fbem-7151	101	17	.	.	PUNCT
fbem-7151	101	18	basic	basic	ADJ
fbem-7151	101	19	information	information	NOUN
fbem-7151	101	20	of	of	ADP
fbem-7151	101	21	gx	gx	PROPN
fbem-7151	101	22	branch	branch	PROPN
fbem-7151	101	23	of	of	ADP
fbem-7151	101	24	china	china	PROPN
fbem-7151	101	25	construction	construction	PROPN
fbem-7151	101	26	bank	bank	PROPN
fbem-7151	101	27	china	china	PROPN
fbem-7151	101	28	construction	construction	PROPN
fbem-7151	101	29	bank	bank	PROPN
fbem-7151	101	30	gx	gx	PROPN
fbem-7151	101	31	branch	branch	PROPN
fbem-7151	101	32	was	be	AUX
fbem-7151	101	33	established	establish	VERB
fbem-7151	101	34	in	in	ADP
fbem-7151	101	35	1986	1986	NUM
fbem-7151	101	36	as	as	ADP
fbem-7151	101	37	a	a	DET
fbem-7151	101	38	first	first	ADJ
fbem-7151	101	39	-	-	PUNCT
fbem-7151	101	40	level	level	NOUN
fbem-7151	101	41	branch	branch	NOUN
fbem-7151	101	42	under	under	ADP
fbem-7151	101	43	the	the	DET
fbem-7151	101	44	jurisdiction	jurisdiction	NOUN
fbem-7151	101	45	of	of	ADP
fbem-7151	101	46	china	china	PROPN
fbem-7151	101	47	construction	construction	PROPN
fbem-7151	101	48	bank	bank	PROPN
fbem-7151	101	49	.	.	PUNCT
fbem-7151	102	1	over	over	ADP
fbem-7151	102	2	the	the	DET
fbem-7151	102	3	years	year	NOUN
fbem-7151	102	4	,	,	PUNCT
fbem-7151	102	5	the	the	DET
fbem-7151	102	6	gx	gx	PROPN
fbem-7151	102	7	branch	branch	NOUN
fbem-7151	102	8	of	of	ADP
fbem-7151	102	9	china	china	PROPN
fbem-7151	102	10	construction	construction	PROPN
fbem-7151	102	11	bank	bank	PROPN
fbem-7151	102	12	has	have	AUX
fbem-7151	102	13	always	always	ADV
fbem-7151	102	14	taken	take	VERB
fbem-7151	102	15	supporting	support	VERB
fbem-7151	102	16	the	the	DET
fbem-7151	102	17	economic	economic	ADJ
fbem-7151	102	18	development	development	NOUN
fbem-7151	102	19	of	of	ADP
fbem-7151	102	20	guangxi	guangxi	PROPN
fbem-7151	102	21	as	as	ADP
fbem-7151	102	22	its	its	PRON
fbem-7151	102	23	mission.by	mission.by	PROPN
fbem-7151	102	24	december	december	PROPN
fbem-7151	102	25	2022	2022	NUM
fbem-7151	102	26	,	,	PUNCT
fbem-7151	102	27	the	the	DET
fbem-7151	102	28	current	current	ADJ
fbem-7151	102	29	balance	balance	NOUN
fbem-7151	102	30	of	of	ADP
fbem-7151	102	31	rmb	rmb	NOUN
fbem-7151	102	32	deposits	deposit	NOUN
fbem-7151	102	33	in	in	ADP
fbem-7151	102	34	gx	gx	PROPN
fbem-7151	102	35	branch	branch	NOUN
fbem-7151	102	36	of	of	ADP
fbem-7151	102	37	china	china	PROPN
fbem-7151	102	38	construction	construction	PROPN
fbem-7151	102	39	bank	bank	PROPN
fbem-7151	102	40	was	be	AUX
fbem-7151	102	41	462.1	462.1	NUM
fbem-7151	102	42	billion	billion	NUM
fbem-7151	102	43	yuan	yuan	NOUN
fbem-7151	102	44	,	,	PUNCT
fbem-7151	102	45	with	with	ADP
fbem-7151	102	46	a	a	DET
fbem-7151	102	47	cumulative	cumulative	ADJ
fbem-7151	102	48	increase	increase	NOUN
fbem-7151	102	49	of	of	ADP
fbem-7151	102	50	37.39	37.39	NUM
fbem-7151	102	51	%	%	NOUN
fbem-7151	102	52	or	or	CCONJ
fbem-7151	102	53	116.3	116.3	NUM
fbem-7151	102	54	billion	billion	NUM
fbem-7151	102	55	yuan	yuan	NOUN
fbem-7151	102	56	in	in	ADP
fbem-7151	102	57	the	the	DET
fbem-7151	102	58	past	past	ADJ
fbem-7151	102	59	five	five	NUM
fbem-7151	102	60	years	year	NOUN
fbem-7151	102	61	(	(	PUNCT
fbem-7151	102	62	data	datum	NOUN
fbem-7151	102	63	from	from	ADP
fbem-7151	102	64	gx	gx	PROPN
fbem-7151	102	65	branch	branch	NOUN
fbem-7151	102	66	of	of	ADP
fbem-7151	102	67	china	china	PROPN
fbem-7151	102	68	construction	construction	PROPN
fbem-7151	102	69	bank	bank	PROPN
fbem-7151	102	70	)	)	PUNCT
fbem-7151	102	71	4.2	4.2	NUM
fbem-7151	102	72	.	.	PUNCT
fbem-7151	103	1	pest	pest	VERB
fbem-7151	103	2	analysis	analysis	NOUN
fbem-7151	103	3	of	of	ADP
fbem-7151	103	4	gx	gx	PROPN
fbem-7151	103	5	branch	branch	NOUN
fbem-7151	103	6	of	of	ADP
fbem-7151	103	7	china	china	PROPN
fbem-7151	103	8	construction	construction	PROPN
fbem-7151	103	9	bank	bank	PROPN
fbem-7151	103	10	4.2.1	4.2.1	NUM
fbem-7151	103	11	.	.	PUNCT
fbem-7151	104	1	political	political	ADJ
fbem-7151	104	2	environment	environment	NOUN
fbem-7151	104	3	a	a	DET
fbem-7151	104	4	domestic	domestic	ADJ
fbem-7151	104	5	political	political	ADJ
fbem-7151	104	6	environment	environment	NOUN
fbem-7151	104	7	is	be	AUX
fbem-7151	104	8	stable	stable	ADJ
fbem-7151	104	9	,	,	PUNCT
fbem-7151	104	10	relatively	relatively	ADV
fbem-7151	104	11	favorable	favorable	ADJ
fbem-7151	104	12	international	international	ADJ
fbem-7151	104	13	environment	environment	NOUN
fbem-7151	104	14	,	,	PUNCT
fbem-7151	104	15	for	for	ADP
fbem-7151	104	16	the	the	DET
fbem-7151	104	17	banking	banking	NOUN
fbem-7151	104	18	industry	industry	NOUN
fbem-7151	104	19	's	's	PART
fbem-7151	104	20	rapid	rapid	ADJ
fbem-7151	104	21	and	and	CCONJ
fbem-7151	104	22	sustained	sustained	ADJ
fbem-7151	104	23	development	development	NOUN
fbem-7151	104	24	has	have	AUX
fbem-7151	104	25	laid	lay	VERB
fbem-7151	104	26	a	a	DET
fbem-7151	104	27	good	good	ADJ
fbem-7151	104	28	good	good	ADJ
fbem-7151	104	29	political	political	ADJ
fbem-7151	104	30	environment	environment	NOUN
fbem-7151	104	31	.	.	PUNCT
fbem-7151	105	1	since	since	SCONJ
fbem-7151	105	2	the	the	DET
fbem-7151	105	3	19th	19th	ADJ
fbem-7151	105	4	cpc	cpc	PROPN
fbem-7151	105	5	national	national	PROPN
fbem-7151	105	6	congress	congress	PROPN
fbem-7151	105	7	,	,	PUNCT
fbem-7151	105	8	socialism	socialism	NOUN
fbem-7151	105	9	with	with	ADP
fbem-7151	105	10	chinese	chinese	ADJ
fbem-7151	105	11	characteristics	characteristic	NOUN
fbem-7151	105	12	has	have	AUX
fbem-7151	105	13	entered	enter	VERB
fbem-7151	105	14	a	a	DET
fbem-7151	105	15	new	new	ADJ
fbem-7151	105	16	era	era	NOUN
fbem-7151	105	17	and	and	CCONJ
fbem-7151	105	18	the	the	DET
fbem-7151	105	19	development	development	NOUN
fbem-7151	105	20	of	of	ADP
fbem-7151	105	21	the	the	DET
fbem-7151	105	22	financial	financial	ADJ
fbem-7151	105	23	sector	sector	NOUN
fbem-7151	105	24	is	be	AUX
fbem-7151	105	25	in	in	ADP
fbem-7151	105	26	a	a	DET
fbem-7151	105	27	period	period	NOUN
fbem-7151	105	28	of	of	ADP
fbem-7151	105	29	important	important	ADJ
fbem-7151	105	30	strategic	strategic	ADJ
fbem-7151	105	31	opportunities	opportunity	NOUN
fbem-7151	105	32	.	.	PUNCT
fbem-7151	106	1	4.2.2	4.2.2	X
fbem-7151	106	2	.	.	PUNCT
fbem-7151	107	1	the	the	DET
fbem-7151	107	2	economic	economic	ADJ
fbem-7151	107	3	environment	environment	NOUN
fbem-7151	107	4	the	the	DET
fbem-7151	107	5	digital	digital	ADJ
fbem-7151	107	6	economy	economy	NOUN
fbem-7151	107	7	promotes	promote	VERB
fbem-7151	107	8	the	the	DET
fbem-7151	107	9	transformation	transformation	NOUN
fbem-7151	107	10	and	and	CCONJ
fbem-7151	107	11	upgrading	upgrading	NOUN
fbem-7151	107	12	of	of	ADP
fbem-7151	107	13	the	the	DET
fbem-7151	107	14	financial	financial	ADJ
fbem-7151	107	15	sector	sector	NOUN
fbem-7151	107	16	.	.	PUNCT
fbem-7151	108	1	in	in	ADP
fbem-7151	108	2	2020	2020	NUM
fbem-7151	108	3	,	,	PUNCT
fbem-7151	108	4	the	the	DET
fbem-7151	108	5	scale	scale	NOUN
fbem-7151	108	6	of	of	ADP
fbem-7151	108	7	china	china	PROPN
fbem-7151	108	8	's	's	PART
fbem-7151	108	9	digital	digital	ADJ
fbem-7151	108	10	economy	economy	NOUN
fbem-7151	108	11	reached	reach	VERB
fbem-7151	108	12	39.2	39.2	NUM
fbem-7151	108	13	trillion	trillion	NUM
fbem-7151	108	14	yuan	yuan	NOUN
fbem-7151	108	15	,	,	PUNCT
fbem-7151	108	16	accounting	account	VERB
fbem-7151	108	17	for	for	ADP
fbem-7151	108	18	38.6	38.6	NUM
fbem-7151	108	19	%	%	NOUN
fbem-7151	108	20	of	of	ADP
fbem-7151	108	21	gdp	gdp	NOUN
fbem-7151	108	22	.	.	PUNCT
fbem-7151	109	1	4.2.3	4.2.3	NUM
fbem-7151	109	2	.	.	PUNCT
fbem-7151	110	1	the	the	DET
fbem-7151	110	2	social	social	ADJ
fbem-7151	110	3	cultural	cultural	ADJ
fbem-7151	110	4	environment	environment	NOUN
fbem-7151	110	5	one	one	NUM
fbem-7151	110	6	is	be	AUX
fbem-7151	110	7	that	that	SCONJ
fbem-7151	110	8	demographics	demographic	NOUN
fbem-7151	110	9	have	have	AUX
fbem-7151	110	10	changed	change	VERB
fbem-7151	110	11	.	.	PUNCT
fbem-7151	111	1	depth	depth	NOUN
fbem-7151	111	2	has	have	AUX
fbem-7151	111	3	entered	enter	VERB
fbem-7151	111	4	the	the	DET
fbem-7151	111	5	aging	age	VERB
fbem-7151	111	6	society	society	NOUN
fbem-7151	111	7	in	in	ADP
fbem-7151	111	8	the	the	DET
fbem-7151	111	9	city	city	NOUN
fbem-7151	111	10	,	,	PUNCT
fbem-7151	111	11	the	the	DET
fbem-7151	111	12	education	education	NOUN
fbem-7151	111	13	level	level	NOUN
fbem-7151	111	14	of	of	ADP
fbem-7151	111	15	the	the	DET
fbem-7151	111	16	population	population	NOUN
fbem-7151	111	17	has	have	AUX
fbem-7151	111	18	significantly	significantly	ADV
fbem-7151	111	19	improved	improve	VERB
fbem-7151	111	20	.	.	PUNCT
fbem-7151	112	1	on	on	ADP
fbem-7151	112	2	the	the	DET
fbem-7151	112	3	one	one	NUM
fbem-7151	112	4	hand	hand	NOUN
fbem-7151	112	5	,	,	PUNCT
fbem-7151	112	6	the	the	DET
fbem-7151	112	7	improvement	improvement	NOUN
fbem-7151	112	8	of	of	ADP
fbem-7151	112	9	citizens	citizen	NOUN
fbem-7151	112	10	'	'	PART
fbem-7151	112	11	education	education	NOUN
fbem-7151	112	12	level	level	NOUN
fbem-7151	112	13	promotes	promote	VERB
fbem-7151	112	14	the	the	DET
fbem-7151	112	15	gradual	gradual	ADJ
fbem-7151	112	16	transformation	transformation	NOUN
fbem-7151	112	17	of	of	ADP
fbem-7151	112	18	demographic	demographic	ADJ
fbem-7151	112	19	dividend	dividend	NOUN
fbem-7151	112	20	into	into	ADP
fbem-7151	112	21	talent	talent	NOUN
fbem-7151	112	22	dividend	dividend	NOUN
fbem-7151	112	23	.	.	PUNCT
fbem-7151	113	1	4.2.4	4.2.4	X
fbem-7151	113	2	.	.	PUNCT
fbem-7151	114	1	technical	technical	ADJ
fbem-7151	114	2	environment	environment	PROPN
fbem-7151	114	3	global	global	ADJ
fbem-7151	114	4	fintech	fintech	NOUN
fbem-7151	114	5	is	be	AUX
fbem-7151	114	6	developing	develop	VERB
fbem-7151	114	7	rapidly	rapidly	ADV
fbem-7151	114	8	.	.	PUNCT
fbem-7151	115	1	with	with	ADP
fbem-7151	115	2	the	the	DET
fbem-7151	115	3	deep	deep	ADJ
fbem-7151	115	4	integration	integration	NOUN
fbem-7151	115	5	of	of	ADP
fbem-7151	115	6	science	science	NOUN
fbem-7151	115	7	and	and	CCONJ
fbem-7151	115	8	technology	technology	NOUN
fbem-7151	115	9	and	and	CCONJ
fbem-7151	115	10	finance	finance	NOUN
fbem-7151	115	11	,	,	PUNCT
fbem-7151	115	12	many	many	ADJ
fbem-7151	115	13	commercial	commercial	ADJ
fbem-7151	115	14	banks	bank	NOUN
fbem-7151	115	15	have	have	AUX
fbem-7151	115	16	begun	begin	VERB
fbem-7151	115	17	to	to	PART
fbem-7151	115	18	establish	establish	VERB
fbem-7151	115	19	financial	financial	ADJ
fbem-7151	115	20	technology	technology	NOUN
fbem-7151	115	21	subsidiaries	subsidiary	NOUN
fbem-7151	115	22	or	or	CCONJ
fbem-7151	115	23	financial	financial	ADJ
fbem-7151	115	24	technology	technology	NOUN
fbem-7151	115	25	divisions	division	NOUN
fbem-7151	115	26	to	to	PART
fbem-7151	115	27	respond	respond	VERB
fbem-7151	115	28	to	to	ADP
fbem-7151	115	29	internal	internal	ADJ
fbem-7151	115	30	and	and	CCONJ
fbem-7151	115	31	external	external	ADJ
fbem-7151	115	32	technological	technological	ADJ
fbem-7151	115	33	needs	need	NOUN
fbem-7151	115	34	,	,	PUNCT
fbem-7151	115	35	further	far	ADV
fbem-7151	115	36	expand	expand	VERB
fbem-7151	115	37	the	the	DET
fbem-7151	115	38	scope	scope	NOUN
fbem-7151	115	39	of	of	ADP
fbem-7151	115	40	services	service	NOUN
fbem-7151	115	41	,	,	PUNCT
fbem-7151	115	42	and	and	CCONJ
fbem-7151	115	43	promote	promote	VERB
fbem-7151	115	44	financial	financial	ADJ
fbem-7151	115	45	services	service	NOUN
fbem-7151	115	46	to	to	ADP
fbem-7151	115	47	digital	digital	ADJ
fbem-7151	115	48	,	,	PUNCT
fbem-7151	115	49	scenario	scenario	NOUN
fbem-7151	115	50	-	-	PUNCT
fbem-7151	115	51	based	base	VERB
fbem-7151	115	52	and	and	CCONJ
fbem-7151	115	53	intelligent	intelligent	ADJ
fbem-7151	115	54	.	.	PUNCT
fbem-7151	116	1	5	5	X
fbem-7151	116	2	.	.	X
fbem-7151	116	3	conclusion	conclusion	NOUN
fbem-7151	116	4	at	at	ADP
fbem-7151	116	5	present	present	ADJ
fbem-7151	116	6	,	,	PUNCT
fbem-7151	116	7	the	the	DET
fbem-7151	116	8	economic	economic	ADJ
fbem-7151	116	9	situation	situation	NOUN
fbem-7151	116	10	at	at	ADP
fbem-7151	116	11	home	home	ADV
fbem-7151	116	12	and	and	CCONJ
fbem-7151	116	13	abroad	abroad	ADV
fbem-7151	116	14	is	be	AUX
fbem-7151	116	15	changing	change	VERB
fbem-7151	116	16	with	with	ADP
fbem-7151	116	17	each	each	DET
fbem-7151	116	18	passing	pass	VERB
fbem-7151	116	19	day	day	NOUN
fbem-7151	116	20	,	,	PUNCT
fbem-7151	116	21	and	and	CCONJ
fbem-7151	116	22	the	the	DET
fbem-7151	116	23	traditional	traditional	ADJ
fbem-7151	116	24	business	business	NOUN
fbem-7151	116	25	of	of	ADP
fbem-7151	116	26	banks	bank	NOUN
fbem-7151	116	27	is	be	AUX
fbem-7151	116	28	becoming	becoming	AUX
fbem-7151	116	29	increasingly	increasingly	ADV
fbem-7151	116	30	saturated	saturate	VERB
fbem-7151	116	31	.	.	PUNCT
fbem-7151	117	1	the	the	DET
fbem-7151	117	2	digital	digital	ADJ
fbem-7151	117	3	transformation	transformation	NOUN
fbem-7151	117	4	process	process	NOUN
fbem-7151	117	5	of	of	ADP
fbem-7151	117	6	china	china	PROPN
fbem-7151	117	7	construction	construction	PROPN
fbem-7151	117	8	bank	bank	PROPN
fbem-7151	117	9	gx	gx	PROPN
fbem-7151	117	10	branch	branch	NOUN
fbem-7151	117	11	is	be	AUX
fbem-7151	117	12	relatively	relatively	ADV
fbem-7151	117	13	slow	slow	ADJ
fbem-7151	117	14	,	,	PUNCT
fbem-7151	117	15	and	and	CCONJ
fbem-7151	117	16	it	it	PRON
fbem-7151	117	17	is	be	AUX
fbem-7151	117	18	in	in	ADP
fbem-7151	117	19	the	the	DET
fbem-7151	117	20	initial	initial	ADJ
fbem-7151	117	21	stage	stage	NOUN
fbem-7151	117	22	.	.	PUNCT
fbem-7151	118	1	the	the	DET
fbem-7151	118	2	digital	digital	ADJ
fbem-7151	118	3	transformation	transformation	NOUN
fbem-7151	118	4	of	of	ADP
fbem-7151	118	5	banks	bank	NOUN
fbem-7151	118	6	means	mean	VERB
fbem-7151	118	7	to	to	PART
fbem-7151	118	8	understand	understand	VERB
fbem-7151	118	9	the	the	DET
fbem-7151	118	10	needs	need	NOUN
fbem-7151	118	11	of	of	ADP
fbem-7151	118	12	customers.in	customers.in	PRON
fbem-7151	118	13	the	the	DET
fbem-7151	118	14	above	above	ADJ
fbem-7151	118	15	research	research	NOUN
fbem-7151	118	16	,	,	PUNCT
fbem-7151	118	17	i	i	PRON
fbem-7151	118	18	analyzed	analyze	VERB
fbem-7151	118	19	the	the	DET
fbem-7151	118	20	internal	internal	ADJ
fbem-7151	118	21	and	and	CCONJ
fbem-7151	118	22	external	external	ADJ
fbem-7151	118	23	environment	environment	NOUN
fbem-7151	118	24	of	of	ADP
fbem-7151	118	25	gx	gx	PROPN
fbem-7151	118	26	branch	branch	PROPN
fbem-7151	118	27	of	of	ADP
fbem-7151	118	28	china	china	PROPN
fbem-7151	118	29	construction	construction	PROPN
fbem-7151	118	30	bank	bank	PROPN
fbem-7151	118	31	,	,	PUNCT
fbem-7151	118	32	and	and	CCONJ
fbem-7151	118	33	found	find	VERB
fbem-7151	118	34	that	that	SCONJ
fbem-7151	118	35	the	the	DET
fbem-7151	118	36	digital	digital	ADJ
fbem-7151	118	37	transformation	transformation	NOUN
fbem-7151	118	38	of	of	ADP
fbem-7151	118	39	china	china	PROPN
fbem-7151	118	40	construction	construction	PROPN
fbem-7151	118	41	bank	bank	PROPN
fbem-7151	118	42	needs	need	VERB
fbem-7151	118	43	to	to	PART
fbem-7151	118	44	be	be	AUX
fbem-7151	118	45	carried	carry	VERB
fbem-7151	118	46	out	out	ADP
fbem-7151	118	47	in	in	ADP
fbem-7151	118	48	three	three	NUM
fbem-7151	118	49	aspects	aspect	NOUN
fbem-7151	118	50	:	:	PUNCT
fbem-7151	118	51	corporate	corporate	ADJ
fbem-7151	118	52	business	business	NOUN
fbem-7151	118	53	,	,	PUNCT
fbem-7151	118	54	retail	retail	ADJ
fbem-7151	118	55	business	business	NOUN
fbem-7151	118	56	and	and	CCONJ
fbem-7151	118	57	internal	internal	ADJ
fbem-7151	118	58	211	211	NUM
fbem-7151	118	59	management	management	NOUN
fbem-7151	118	60	,	,	PUNCT
fbem-7151	118	61	and	and	CCONJ
fbem-7151	118	62	carry	carry	VERB
fbem-7151	118	63	out	out	ADP
fbem-7151	118	64	the	the	DET
fbem-7151	118	65	digital	digital	ADJ
fbem-7151	118	66	transformation	transformation	NOUN
fbem-7151	118	67	in	in	ADP
fbem-7151	118	68	the	the	DET
fbem-7151	118	69	form	form	NOUN
fbem-7151	118	70	of	of	ADP
fbem-7151	118	71	business	business	NOUN
fbem-7151	118	72	+	+	CCONJ
fbem-7151	118	73	management	management	NOUN
fbem-7151	118	74	.	.	PUNCT
fbem-7151	119	1	based	base	VERB
fbem-7151	119	2	on	on	ADP
fbem-7151	119	3	the	the	DET
fbem-7151	119	4	actual	actual	ADJ
fbem-7151	119	5	situation	situation	NOUN
fbem-7151	119	6	of	of	ADP
fbem-7151	119	7	gx	gx	PROPN
fbem-7151	119	8	branch	branch	PROPN
fbem-7151	119	9	of	of	ADP
fbem-7151	119	10	china	china	PROPN
fbem-7151	119	11	construction	construction	PROPN
fbem-7151	119	12	bank	bank	PROPN
fbem-7151	119	13	and	and	CCONJ
fbem-7151	119	14	related	related	ADJ
fbem-7151	119	15	theories	theory	NOUN
fbem-7151	119	16	of	of	ADP
fbem-7151	119	17	management	management	NOUN
fbem-7151	119	18	and	and	CCONJ
fbem-7151	119	19	digital	digital	ADJ
fbem-7151	119	20	transformation	transformation	NOUN
fbem-7151	119	21	,	,	PUNCT
fbem-7151	119	22	this	this	DET
fbem-7151	119	23	paper	paper	NOUN
fbem-7151	119	24	analyzes	analyze	VERB
fbem-7151	119	25	the	the	DET
fbem-7151	119	26	causes	cause	NOUN
fbem-7151	119	27	of	of	ADP
fbem-7151	119	28	the	the	DET
fbem-7151	119	29	problems	problem	NOUN
fbem-7151	119	30	and	and	CCONJ
fbem-7151	119	31	puts	put	VERB
fbem-7151	119	32	forward	forward	ADV
fbem-7151	119	33	ideas	idea	NOUN
fbem-7151	119	34	and	and	CCONJ
fbem-7151	119	35	countermeasures	countermeasure	NOUN
fbem-7151	119	36	for	for	ADP
fbem-7151	119	37	gx	gx	PROPN
fbem-7151	119	38	branch	branch	PROPN
fbem-7151	119	39	of	of	ADP
fbem-7151	119	40	china	china	PROPN
fbem-7151	119	41	construction	construction	PROPN
fbem-7151	119	42	bank	bank	PROPN
fbem-7151	119	43	to	to	PART
fbem-7151	119	44	further	far	ADV
fbem-7151	119	45	improve	improve	VERB
fbem-7151	119	46	its	its	PRON
fbem-7151	119	47	digital	digital	ADJ
fbem-7151	119	48	transformation	transformation	NOUN
fbem-7151	119	49	work	work	NOUN
fbem-7151	119	50	.	.	PUNCT
fbem-7151	120	1	in	in	ADP
fbem-7151	120	2	terms	term	NOUN
fbem-7151	120	3	of	of	ADP
fbem-7151	120	4	basic	basic	ADJ
fbem-7151	120	5	ideas	idea	NOUN
fbem-7151	120	6	,	,	PUNCT
fbem-7151	120	7	this	this	DET
fbem-7151	120	8	paper	paper	NOUN
fbem-7151	120	9	insists	insist	VERB
fbem-7151	120	10	on	on	ADP
fbem-7151	120	11	the	the	DET
fbem-7151	120	12	combination	combination	NOUN
fbem-7151	120	13	of	of	ADP
fbem-7151	120	14	long	long	ADJ
fbem-7151	120	15	-	-	PUNCT
fbem-7151	120	16	term	term	NOUN
fbem-7151	120	17	planning	planning	NOUN
fbem-7151	120	18	and	and	CCONJ
fbem-7151	120	19	shortterm	shortterm	PROPN
fbem-7151	120	20	planning	planning	NOUN
fbem-7151	120	21	.	.	PUNCT
fbem-7151	121	1	in	in	ADP
fbem-7151	121	2	the	the	DET
fbem-7151	121	3	long	long	ADJ
fbem-7151	121	4	run	run	NOUN
fbem-7151	121	5	,	,	PUNCT
fbem-7151	121	6	no	no	PRON
fbem-7151	121	7	matter	matter	NOUN
fbem-7151	121	8	in	in	ADP
fbem-7151	121	9	operation	operation	NOUN
fbem-7151	121	10	,	,	PUNCT
fbem-7151	121	11	business	business	NOUN
fbem-7151	121	12	marketing	marketing	NOUN
fbem-7151	121	13	or	or	CCONJ
fbem-7151	121	14	management	management	NOUN
fbem-7151	121	15	,	,	PUNCT
fbem-7151	121	16	it	it	PRON
fbem-7151	121	17	will	will	AUX
fbem-7151	121	18	be	be	AUX
fbem-7151	121	19	deeply	deeply	ADV
fbem-7151	121	20	integrated	integrate	VERB
fbem-7151	121	21	with	with	ADP
fbem-7151	121	22	digital	digital	ADJ
fbem-7151	121	23	transformation	transformation	NOUN
fbem-7151	121	24	.	.	PUNCT
fbem-7151	122	1	therefore	therefore	ADV
fbem-7151	122	2	,	,	PUNCT
fbem-7151	122	3	in	in	ADP
fbem-7151	122	4	the	the	DET
fbem-7151	122	5	future	future	NOUN
fbem-7151	122	6	,	,	PUNCT
fbem-7151	122	7	we	we	PRON
fbem-7151	122	8	will	will	AUX
fbem-7151	122	9	continue	continue	VERB
fbem-7151	122	10	to	to	PART
fbem-7151	122	11	put	put	VERB
fbem-7151	122	12	forward	forward	ADV
fbem-7151	122	13	specific	specific	ADJ
fbem-7151	122	14	digital	digital	ADJ
fbem-7151	122	15	transformation	transformation	NOUN
fbem-7151	122	16	scheme	scheme	NOUN
fbem-7151	122	17	design	design	NOUN
fbem-7151	122	18	from	from	ADP
fbem-7151	122	19	the	the	DET
fbem-7151	122	20	three	three	NUM
fbem-7151	122	21	aspects	aspect	NOUN
fbem-7151	122	22	of	of	ADP
fbem-7151	122	23	corporate	corporate	ADJ
fbem-7151	122	24	business	business	NOUN
fbem-7151	122	25	,	,	PUNCT
fbem-7151	122	26	retail	retail	ADJ
fbem-7151	122	27	business	business	NOUN
fbem-7151	122	28	and	and	CCONJ
fbem-7151	122	29	internal	internal	ADJ
fbem-7151	122	30	management	management	NOUN
fbem-7151	122	31	,	,	PUNCT
fbem-7151	122	32	and	and	CCONJ
fbem-7151	122	33	jointly	jointly	ADV
fbem-7151	122	34	recommend	recommend	VERB
fbem-7151	122	35	the	the	DET
fbem-7151	122	36	digital	digital	ADJ
fbem-7151	122	37	transformation	transformation	NOUN
fbem-7151	122	38	development	development	NOUN
fbem-7151	122	39	of	of	ADP
fbem-7151	122	40	gx	gx	PROPN
fbem-7151	122	41	branch	branch	PROPN
fbem-7151	122	42	of	of	ADP
fbem-7151	122	43	china	china	PROPN
fbem-7151	122	44	construction	construction	PROPN
fbem-7151	122	45	bank	bank	PROPN
fbem-7151	122	46	.	.	PUNCT
fbem-7151	123	1	6	6	X
fbem-7151	123	2	.	.	X
fbem-7151	123	3	suggestions	suggestion	NOUN
fbem-7151	123	4	1	1	NUM
fbem-7151	123	5	.	.	X
fbem-7151	123	6	clarify	clarify	VERB
fbem-7151	123	7	the	the	DET
fbem-7151	123	8	strategic	strategic	ADJ
fbem-7151	123	9	positioning	positioning	NOUN
fbem-7151	123	10	of	of	ADP
fbem-7151	123	11	digital	digital	ADJ
fbem-7151	123	12	transformation	transformation	NOUN
fbem-7151	123	13	the	the	DET
fbem-7151	123	14	strategic	strategic	ADJ
fbem-7151	123	15	positioning	positioning	NOUN
fbem-7151	123	16	of	of	ADP
fbem-7151	123	17	digital	digital	ADJ
fbem-7151	123	18	transformation	transformation	NOUN
fbem-7151	123	19	is	be	AUX
fbem-7151	123	20	the	the	DET
fbem-7151	123	21	foundation	foundation	NOUN
fbem-7151	123	22	of	of	ADP
fbem-7151	123	23	digital	digital	ADJ
fbem-7151	123	24	transformation	transformation	NOUN
fbem-7151	123	25	and	and	CCONJ
fbem-7151	123	26	affects	affect	VERB
fbem-7151	123	27	the	the	DET
fbem-7151	123	28	overall	overall	ADJ
fbem-7151	123	29	direction	direction	NOUN
fbem-7151	123	30	of	of	ADP
fbem-7151	123	31	digital	digital	ADJ
fbem-7151	123	32	transformation	transformation	NOUN
fbem-7151	123	33	.	.	PUNCT
fbem-7151	124	1	the	the	DET
fbem-7151	124	2	strategic	strategic	ADJ
fbem-7151	124	3	positioning	positioning	NOUN
fbem-7151	124	4	of	of	ADP
fbem-7151	124	5	digital	digital	ADJ
fbem-7151	124	6	transformation	transformation	NOUN
fbem-7151	124	7	of	of	ADP
fbem-7151	124	8	cx	cx	PROPN
fbem-7151	124	9	branch	branch	NOUN
fbem-7151	124	10	of	of	ADP
fbem-7151	124	11	china	china	PROPN
fbem-7151	124	12	construction	construction	PROPN
fbem-7151	124	13	bank	bank	PROPN
fbem-7151	124	14	,	,	PUNCT
fbem-7151	124	15	in	in	ADP
fbem-7151	124	16	the	the	DET
fbem-7151	124	17	larger	large	ADJ
fbem-7151	124	18	framework	framework	NOUN
fbem-7151	124	19	of	of	ADP
fbem-7151	124	20	the	the	DET
fbem-7151	124	21	head	head	NOUN
fbem-7151	124	22	office	office	NOUN
fbem-7151	124	23	,	,	PUNCT
fbem-7151	124	24	can	can	AUX
fbem-7151	124	25	be	be	AUX
fbem-7151	124	26	combined	combine	VERB
fbem-7151	124	27	with	with	ADP
fbem-7151	124	28	its	its	PRON
fbem-7151	124	29	own	own	ADJ
fbem-7151	124	30	situation	situation	NOUN
fbem-7151	124	31	,	,	PUNCT
fbem-7151	124	32	customize	customize	VERB
fbem-7151	124	33	specific	specific	ADJ
fbem-7151	124	34	goals	goal	NOUN
fbem-7151	124	35	,	,	PUNCT
fbem-7151	124	36	and	and	CCONJ
fbem-7151	124	37	take	take	VERB
fbem-7151	124	38	the	the	DET
fbem-7151	124	39	digital	digital	ADJ
fbem-7151	124	40	transformation	transformation	NOUN
fbem-7151	124	41	of	of	ADP
fbem-7151	124	42	the	the	DET
fbem-7151	124	43	company	company	NOUN
fbem-7151	124	44	's	's	PART
fbem-7151	124	45	business	business	NOUN
fbem-7151	124	46	,	,	PUNCT
fbem-7151	124	47	retail	retail	ADJ
fbem-7151	124	48	business	business	NOUN
fbem-7151	124	49	and	and	CCONJ
fbem-7151	124	50	internal	internal	ADJ
fbem-7151	124	51	management	management	NOUN
fbem-7151	124	52	as	as	ADP
fbem-7151	124	53	the	the	DET
fbem-7151	124	54	main	main	ADJ
fbem-7151	124	55	driving	driving	NOUN
fbem-7151	124	56	force	force	NOUN
fbem-7151	124	57	to	to	PART
fbem-7151	124	58	achieve	achieve	VERB
fbem-7151	124	59	business	business	NOUN
fbem-7151	124	60	reform	reform	NOUN
fbem-7151	124	61	,	,	PUNCT
fbem-7151	124	62	competitive	competitive	ADJ
fbem-7151	124	63	advantage	advantage	NOUN
fbem-7151	124	64	and	and	CCONJ
fbem-7151	124	65	value	value	NOUN
fbem-7151	124	66	maximization	maximization	NOUN
fbem-7151	124	67	,	,	PUNCT
fbem-7151	124	68	and	and	CCONJ
fbem-7151	124	69	then	then	ADV
fbem-7151	124	70	implement	implement	VERB
fbem-7151	124	71	it	it	PRON
fbem-7151	124	72	in	in	ADP
fbem-7151	124	73	a	a	DET
fbem-7151	124	74	planned	planned	ADJ
fbem-7151	124	75	way	way	NOUN
fbem-7151	124	76	.	.	PUNCT
fbem-7151	125	1	2	2	X
fbem-7151	125	2	.	.	X
fbem-7151	125	3	improving	improve	VERB
fbem-7151	125	4	the	the	DET
fbem-7151	125	5	development	development	NOUN
fbem-7151	125	6	level	level	NOUN
fbem-7151	125	7	of	of	ADP
fbem-7151	125	8	digital	digital	ADJ
fbem-7151	125	9	transformation	transformation	NOUN
fbem-7151	125	10	enterprise	enterprise	NOUN
fbem-7151	125	11	-	-	PUNCT
fbem-7151	125	12	level	level	NOUN
fbem-7151	125	13	architecture	architecture	NOUN
fbem-7151	125	14	construction	construction	NOUN
fbem-7151	125	15	is	be	AUX
fbem-7151	125	16	a	a	DET
fbem-7151	125	17	systematic	systematic	ADJ
fbem-7151	125	18	construction	construction	NOUN
fbem-7151	125	19	of	of	ADP
fbem-7151	125	20	the	the	DET
fbem-7151	125	21	overall	overall	ADJ
fbem-7151	125	22	business	business	NOUN
fbem-7151	125	23	capability	capability	NOUN
fbem-7151	125	24	of	of	ADP
fbem-7151	125	25	the	the	DET
fbem-7151	125	26	enterprise	enterprise	NOUN
fbem-7151	125	27	,	,	PUNCT
fbem-7151	125	28	enabling	enable	VERB
fbem-7151	125	29	the	the	DET
fbem-7151	125	30	bank	bank	NOUN
fbem-7151	125	31	to	to	PART
fbem-7151	125	32	have	have	VERB
fbem-7151	125	33	the	the	DET
fbem-7151	125	34	structural	structural	ADJ
fbem-7151	125	35	ability	ability	NOUN
fbem-7151	125	36	through	through	ADP
fbem-7151	125	37	technology	technology	NOUN
fbem-7151	125	38	,	,	PUNCT
fbem-7151	125	39	and	and	CCONJ
fbem-7151	125	40	meeting	meet	VERB
fbem-7151	125	41	the	the	DET
fbem-7151	125	42	requirements	requirement	NOUN
fbem-7151	125	43	of	of	ADP
fbem-7151	125	44	"	"	PUNCT
fbem-7151	125	45	customer	customer	NOUN
fbem-7151	125	46	-	-	PUNCT
fbem-7151	125	47	centered	center	VERB
fbem-7151	125	48	"	"	PUNCT
fbem-7151	125	49	agile	agile	ADJ
fbem-7151	125	50	response	response	NOUN
fbem-7151	125	51	.	.	PUNCT
fbem-7151	126	1	3	3	X
fbem-7151	126	2	.	.	X
fbem-7151	126	3	accelerating	accelerate	VERB
fbem-7151	126	4	the	the	DET
fbem-7151	126	5	transformation	transformation	NOUN
fbem-7151	126	6	and	and	CCONJ
fbem-7151	126	7	upgrading	upgrading	NOUN
fbem-7151	126	8	of	of	ADP
fbem-7151	126	9	business	business	NOUN
fbem-7151	126	10	products	product	NOUN
fbem-7151	126	11	in	in	ADP
fbem-7151	126	12	the	the	DET
fbem-7151	126	13	context	context	NOUN
fbem-7151	126	14	of	of	ADP
fbem-7151	126	15	the	the	DET
fbem-7151	126	16	great	great	ADJ
fbem-7151	126	17	development	development	NOUN
fbem-7151	126	18	of	of	ADP
fbem-7151	126	19	the	the	DET
fbem-7151	126	20	internet	internet	NOUN
fbem-7151	126	21	,	,	PUNCT
fbem-7151	126	22	the	the	DET
fbem-7151	126	23	gradual	gradual	ADJ
fbem-7151	126	24	application	application	NOUN
fbem-7151	126	25	of	of	ADP
fbem-7151	126	26	blockchain	blockchain	PROPN
fbem-7151	126	27	technology	technology	PROPN
fbem-7151	126	28	,	,	PUNCT
fbem-7151	126	29	and	and	CCONJ
fbem-7151	126	30	the	the	DET
fbem-7151	126	31	constant	constant	ADJ
fbem-7151	126	32	changes	change	NOUN
fbem-7151	126	33	in	in	ADP
fbem-7151	126	34	customers	customer	NOUN
fbem-7151	126	35	'	'	PART
fbem-7151	126	36	financial	financial	ADJ
fbem-7151	126	37	needs	need	NOUN
fbem-7151	126	38	,	,	PUNCT
fbem-7151	126	39	the	the	DET
fbem-7151	126	40	competition	competition	NOUN
fbem-7151	126	41	among	among	ADP
fbem-7151	126	42	commercial	commercial	ADJ
fbem-7151	126	43	banks	bank	NOUN
fbem-7151	126	44	is	be	AUX
fbem-7151	126	45	,	,	PUNCT
fbem-7151	126	46	to	to	ADP
fbem-7151	126	47	a	a	DET
fbem-7151	126	48	large	large	ADJ
fbem-7151	126	49	extent	extent	NOUN
fbem-7151	126	50	,	,	PUNCT
fbem-7151	126	51	the	the	DET
fbem-7151	126	52	competition	competition	NOUN
fbem-7151	126	53	of	of	ADP
fbem-7151	126	54	business	business	NOUN
fbem-7151	126	55	products	product	NOUN
fbem-7151	126	56	.	.	PUNCT
fbem-7151	127	1	with	with	ADP
fbem-7151	127	2	the	the	DET
fbem-7151	127	3	development	development	NOUN
fbem-7151	127	4	of	of	ADP
fbem-7151	127	5	the	the	DET
fbem-7151	127	6	internet	internet	NOUN
fbem-7151	127	7	and	and	CCONJ
fbem-7151	127	8	fintech	fintech	NOUN
fbem-7151	127	9	,	,	PUNCT
fbem-7151	127	10	the	the	DET
fbem-7151	127	11	competition	competition	NOUN
fbem-7151	127	12	of	of	ADP
fbem-7151	127	13	business	business	NOUN
fbem-7151	127	14	products	product	NOUN
fbem-7151	127	15	has	have	AUX
fbem-7151	127	16	expanded	expand	VERB
fbem-7151	127	17	from	from	ADP
fbem-7151	127	18	offline	offline	NOUN
fbem-7151	127	19	to	to	PART
fbem-7151	127	20	online	online	VERB
fbem-7151	127	21	.	.	PUNCT
fbem-7151	128	1	in	in	ADP
fbem-7151	128	2	view	view	NOUN
fbem-7151	128	3	of	of	ADP
fbem-7151	128	4	the	the	DET
fbem-7151	128	5	fierce	fierce	ADJ
fbem-7151	128	6	competition	competition	NOUN
fbem-7151	128	7	of	of	ADP
fbem-7151	128	8	financial	financial	ADJ
fbem-7151	128	9	business	business	NOUN
fbem-7151	128	10	in	in	ADP
fbem-7151	128	11	gx	gx	PROPN
fbem-7151	128	12	region	region	NOUN
fbem-7151	128	13	,	,	PUNCT
fbem-7151	128	14	china	china	PROPN
fbem-7151	128	15	construction	construction	PROPN
fbem-7151	128	16	bank	bank	PROPN
fbem-7151	128	17	gx	gx	PROPN
fbem-7151	128	18	branch	branch	NOUN
fbem-7151	128	19	should	should	AUX
fbem-7151	128	20	establish	establish	VERB
fbem-7151	128	21	a	a	DET
fbem-7151	128	22	complete	complete	ADJ
fbem-7151	128	23	business	business	NOUN
fbem-7151	128	24	transformation	transformation	NOUN
fbem-7151	128	25	process	process	NOUN
fbem-7151	128	26	in	in	ADP
fbem-7151	128	27	the	the	DET
fbem-7151	128	28	digital	digital	ADJ
fbem-7151	128	29	transformation	transformation	NOUN
fbem-7151	128	30	and	and	CCONJ
fbem-7151	128	31	development	development	NOUN
fbem-7151	128	32	of	of	ADP
fbem-7151	128	33	corporate	corporate	ADJ
fbem-7151	128	34	business	business	NOUN
fbem-7151	128	35	and	and	CCONJ
fbem-7151	128	36	retail	retail	ADJ
fbem-7151	128	37	business	business	NOUN
fbem-7151	128	38	,	,	PUNCT
fbem-7151	128	39	increase	increase	VERB
fbem-7151	128	40	investment	investment	NOUN
fbem-7151	128	41	in	in	ADP
fbem-7151	128	42	scientific	scientific	ADJ
fbem-7151	128	43	and	and	CCONJ
fbem-7151	128	44	technological	technological	ADJ
fbem-7151	128	45	research	research	NOUN
fbem-7151	128	46	and	and	CCONJ
fbem-7151	128	47	development	development	NOUN
fbem-7151	128	48	.	.	PUNCT
fbem-7151	129	1	4.strengthening	4.strengthene	VERB
fbem-7151	129	2	digital	digital	ADJ
fbem-7151	129	3	organizational	organizational	ADJ
fbem-7151	129	4	support	support	NOUN
fbem-7151	129	5	the	the	DET
fbem-7151	129	6	digital	digital	ADJ
fbem-7151	129	7	transformation	transformation	NOUN
fbem-7151	129	8	of	of	ADP
fbem-7151	129	9	the	the	DET
fbem-7151	129	10	company	company	NOUN
fbem-7151	129	11	's	's	PART
fbem-7151	129	12	business	business	NOUN
fbem-7151	129	13	and	and	CCONJ
fbem-7151	129	14	retail	retail	ADJ
fbem-7151	129	15	business	business	NOUN
fbem-7151	129	16	should	should	AUX
fbem-7151	129	17	simultaneously	simultaneously	ADV
fbem-7151	129	18	promote	promote	VERB
fbem-7151	129	19	the	the	DET
fbem-7151	129	20	transformation	transformation	NOUN
fbem-7151	129	21	of	of	ADP
fbem-7151	129	22	the	the	DET
fbem-7151	129	23	internal	internal	ADJ
fbem-7151	129	24	management	management	NOUN
fbem-7151	129	25	structure	structure	NOUN
fbem-7151	129	26	.	.	PUNCT
fbem-7151	130	1	the	the	DET
fbem-7151	130	2	internal	internal	ADJ
fbem-7151	130	3	management	management	NOUN
fbem-7151	130	4	structure	structure	NOUN
fbem-7151	130	5	is	be	AUX
fbem-7151	130	6	the	the	DET
fbem-7151	130	7	guarantee	guarantee	NOUN
fbem-7151	130	8	of	of	ADP
fbem-7151	130	9	the	the	DET
fbem-7151	130	10	organization	organization	NOUN
fbem-7151	130	11	,	,	PUNCT
fbem-7151	130	12	system	system	NOUN
fbem-7151	130	13	and	and	CCONJ
fbem-7151	130	14	talents	talent	NOUN
fbem-7151	130	15	of	of	ADP
fbem-7151	130	16	the	the	DET
fbem-7151	130	17	strategy	strategy	NOUN
fbem-7151	130	18	.	.	PUNCT
fbem-7151	131	1	after	after	ADP
fbem-7151	131	2	the	the	DET
fbem-7151	131	3	construction	construction	NOUN
fbem-7151	131	4	of	of	ADP
fbem-7151	131	5	digital	digital	ADJ
fbem-7151	131	6	organizational	organizational	ADJ
fbem-7151	131	7	structure	structure	NOUN
fbem-7151	131	8	,	,	PUNCT
fbem-7151	131	9	the	the	DET
fbem-7151	131	10	bank	bank	NOUN
fbem-7151	131	11	ca	can	AUX
fbem-7151	131	12	n't	not	PART
fbem-7151	131	13	run	run	VERB
fbem-7151	131	14	efficiently	efficiently	ADV
fbem-7151	131	15	without	without	ADP
fbem-7151	131	16	the	the	DET
fbem-7151	131	17	transformation	transformation	NOUN
fbem-7151	131	18	of	of	ADP
fbem-7151	131	19	supporting	support	VERB
fbem-7151	131	20	internal	internal	ADJ
fbem-7151	131	21	management	management	NOUN
fbem-7151	131	22	structure	structure	NOUN
fbem-7151	131	23	,	,	PUNCT
fbem-7151	131	24	organizational	organizational	ADJ
fbem-7151	131	25	structure	structure	NOUN
fbem-7151	131	26	and	and	CCONJ
fbem-7151	131	27	management	management	NOUN
fbem-7151	131	28	mode	mode	NOUN
fbem-7151	131	29	.	.	PUNCT
fbem-7151	132	1	5.increasing	5.increasing	NUM
fbem-7151	132	2	the	the	DET
fbem-7151	132	3	training	training	NOUN
fbem-7151	132	4	of	of	ADP
fbem-7151	132	5	digital	digital	ADJ
fbem-7151	132	6	talents	talent	NOUN
fbem-7151	132	7	we	we	PRON
fbem-7151	132	8	will	will	AUX
fbem-7151	132	9	increase	increase	VERB
fbem-7151	132	10	the	the	DET
fbem-7151	132	11	training	training	NOUN
fbem-7151	132	12	program	program	NOUN
fbem-7151	132	13	for	for	ADP
fbem-7151	132	14	interdisciplinary	interdisciplinary	ADJ
fbem-7151	132	15	talents	talent	NOUN
fbem-7151	132	16	.	.	PUNCT
fbem-7151	133	1	the	the	DET
fbem-7151	133	2	existing	exist	VERB
fbem-7151	133	3	departments	department	NOUN
fbem-7151	133	4	of	of	ADP
fbem-7151	133	5	gx	gx	PROPN
fbem-7151	133	6	branch	branch	PROPN
fbem-7151	133	7	of	of	ADP
fbem-7151	133	8	china	china	PROPN
fbem-7151	133	9	construction	construction	PROPN
fbem-7151	133	10	bank	bank	PROPN
fbem-7151	133	11	are	be	AUX
fbem-7151	133	12	divided	divide	VERB
fbem-7151	133	13	into	into	ADP
fbem-7151	133	14	functions	function	NOUN
fbem-7151	133	15	.	.	PUNCT
fbem-7151	134	1	most	most	ADJ
fbem-7151	134	2	employees	employee	NOUN
fbem-7151	134	3	only	only	ADV
fbem-7151	134	4	know	know	VERB
fbem-7151	134	5	the	the	DET
fbem-7151	134	6	business	business	NOUN
fbem-7151	134	7	and	and	CCONJ
fbem-7151	134	8	knowledge	knowledge	NOUN
fbem-7151	134	9	of	of	ADP
fbem-7151	134	10	their	their	PRON
fbem-7151	134	11	own	own	ADJ
fbem-7151	134	12	departments	department	NOUN
fbem-7151	134	13	,	,	PUNCT
fbem-7151	134	14	but	but	CCONJ
fbem-7151	134	15	do	do	AUX
fbem-7151	134	16	not	not	PART
fbem-7151	134	17	know	know	VERB
fbem-7151	134	18	the	the	DET
fbem-7151	134	19	work	work	NOUN
fbem-7151	134	20	content	content	NOUN
fbem-7151	134	21	of	of	ADP
fbem-7151	134	22	other	other	ADJ
fbem-7151	134	23	departments	department	NOUN
fbem-7151	134	24	or	or	CCONJ
fbem-7151	134	25	have	have	VERB
fbem-7151	134	26	relevant	relevant	ADJ
fbem-7151	134	27	skills	skill	NOUN
fbem-7151	134	28	.	.	PUNCT
fbem-7151	135	1	if	if	SCONJ
fbem-7151	135	2	the	the	DET
fbem-7151	135	3	digital	digital	ADJ
fbem-7151	135	4	transformation	transformation	NOUN
fbem-7151	135	5	can	can	AUX
fbem-7151	135	6	realize	realize	VERB
fbem-7151	135	7	that	that	SCONJ
fbem-7151	135	8	under	under	ADP
fbem-7151	135	9	the	the	DET
fbem-7151	135	10	same	same	ADJ
fbem-7151	135	11	goal	goal	NOUN
fbem-7151	135	12	,	,	PUNCT
fbem-7151	135	13	employees	employee	NOUN
fbem-7151	135	14	of	of	ADP
fbem-7151	135	15	different	different	ADJ
fbem-7151	135	16	functions	function	NOUN
fbem-7151	135	17	and	and	CCONJ
fbem-7151	135	18	positions	position	NOUN
fbem-7151	135	19	can	can	AUX
fbem-7151	135	20	work	work	VERB
fbem-7151	135	21	together	together	ADV
fbem-7151	135	22	,	,	PUNCT
fbem-7151	135	23	and	and	CCONJ
fbem-7151	135	24	employees	employee	NOUN
fbem-7151	135	25	of	of	ADP
fbem-7151	135	26	upstream	upstream	ADJ
fbem-7151	135	27	and	and	CCONJ
fbem-7151	135	28	downstream	downstream	ADJ
fbem-7151	135	29	relationship	relationship	NOUN
fbem-7151	135	30	can	can	AUX
fbem-7151	135	31	understand	understand	VERB
fbem-7151	135	32	each	each	DET
fbem-7151	135	33	other	other	ADJ
fbem-7151	135	34	,	,	PUNCT
fbem-7151	135	35	to	to	PART
fbem-7151	135	36	create	create	VERB
fbem-7151	135	37	compound	compound	NOUN
fbem-7151	135	38	talents	talent	NOUN
fbem-7151	135	39	,	,	PUNCT
fbem-7151	135	40	the	the	DET
fbem-7151	135	41	work	work	NOUN
fbem-7151	135	42	efficiency	efficiency	NOUN
fbem-7151	135	43	will	will	AUX
fbem-7151	135	44	be	be	AUX
fbem-7151	135	45	greatly	greatly	ADV
fbem-7151	135	46	improved	improve	VERB
fbem-7151	135	47	.	.	PUNCT
fbem-7151	136	1	references	reference	NOUN
fbem-7151	136	2	[	[	X
fbem-7151	136	3	1	1	X
fbem-7151	136	4	]	]	X
fbem-7151	136	5	gao	gao	PROPN
fbem-7151	136	6	xiaocui	xiaocui	PROPN
fbem-7151	136	7	.	.	PUNCT
fbem-7151	137	1	(	(	PUNCT
fbem-7151	137	2	2020	2020	NUM
fbem-7151	137	3	)	)	PUNCT
fbem-7151	137	4	.	.	PUNCT
fbem-7151	138	1	case	case	NOUN
fbem-7151	138	2	analysis	analysis	NOUN
fbem-7151	138	3	of	of	ADP
fbem-7151	138	4	fintech	fintech	NOUN
fbem-7151	138	5	's	's	PART
fbem-7151	138	6	contribution	contribution	NOUN
fbem-7151	138	7	to	to	ADP
fbem-7151	138	8	the	the	DET
fbem-7151	138	9	development	development	NOUN
fbem-7151	138	10	of	of	ADP
fbem-7151	138	11	ping	ping	PROPN
fbem-7151	138	12	an	an	DET
fbem-7151	138	13	bank	bank	NOUN
fbem-7151	138	14	(	(	PUNCT
fbem-7151	138	15	hebei	hebei	PROPN
fbem-7151	138	16	university	university	PROPN
fbem-7151	138	17	of	of	ADP
fbem-7151	138	18	finance	finance	NOUN
fbem-7151	138	19	)	)	PUNCT
fbem-7151	138	20	.	.	PUNCT
fbem-7151	139	1	[	[	X
fbem-7151	139	2	2	2	NUM
fbem-7151	139	3	]	]	X
fbem-7151	139	4	guo	guo	PROPN
fbem-7151	139	5	,	,	PUNCT
fbem-7151	139	6	w.f	w.f	PROPN
fbem-7151	139	7	.	.	PROPN
fbem-7151	139	8	,&chen	,&chen	PROPN
fbem-7151	139	9	,	,	PUNCT
fbem-7151	139	10	z.x.(2021	z.x.(2021	NUM
fbem-7151	139	11	)	)	PUNCT
fbem-7151	139	12	.	.	PUNCT
fbem-7151	140	1	bank	bank	NOUN
fbem-7151	140	2	of	of	ADP
fbem-7151	140	3	jinzhou	jinzhou	NOUN
fbem-7151	140	4	:	:	PUNCT
fbem-7151	140	5	digital	digital	ADJ
fbem-7151	140	6	transformation	transformation	NOUN
fbem-7151	140	7	enables	enable	VERB
fbem-7151	140	8	high	high	ADJ
fbem-7151	140	9	-	-	PUNCT
fbem-7151	140	10	quality	quality	NOUN
fbem-7151	140	11	development	development	NOUN
fbem-7151	140	12	of	of	ADP
fbem-7151	140	13	regional	regional	ADJ
fbem-7151	140	14	economy	economy	NOUN
fbem-7151	140	15	and	and	CCONJ
fbem-7151	140	16	society	society	NOUN
fbem-7151	140	17	.	.	PUNCT
fbem-7151	141	1	china	china	PROPN
fbem-7151	141	2	financial	financial	PROPN
fbem-7151	141	3	computer,2021(09),1216	computer,2021(09),1216	PROPN
fbem-7151	141	4	.	.	PUNCT
fbem-7151	142	1	[	[	X
fbem-7151	142	2	3	3	NUM
fbem-7151	142	3	]	]	X
fbem-7151	142	4	hamdi	hamdi	PROPN
fbem-7151	142	5	,	,	PUNCT
fbem-7151	142	6	a.(2016	a.(2016	PROPN
fbem-7151	142	7	)	)	PUNCT
fbem-7151	142	8	.	.	PUNCT
fbem-7151	143	1	financial	financial	ADJ
fbem-7151	143	2	performance	performance	NOUN
fbem-7151	143	3	islamic	islamic	PROPN
fbem-7151	143	4	banking	banking	NOUN
fbem-7151	143	5	unit	unit	NOUN
fbem-7151	143	6	in	in	ADP
fbem-7151	143	7	indonesia	indonesia	PROPN
fbem-7151	143	8	:	:	PUNCT
fbem-7151	143	9	a	a	DET
fbem-7151	143	10	comparative	comparative	ADJ
fbem-7151	143	11	study	study	NOUN
fbem-7151	143	12	private	private	ADJ
fbem-7151	143	13	banks	bank	NOUN
fbem-7151	143	14	and	and	CCONJ
fbem-7151	143	15	regional	regional	ADJ
fbem-7151	143	16	development	development	NOUN
fbem-7151	143	17	banks	bank	NOUN
fbem-7151	143	18	.	.	PUNCT
fbem-7151	144	1	ijer	ijer	NOUN
fbem-7151	144	2	(	(	PUNCT
fbem-7151	144	3	2016),1400	2016),1400	NUM
fbem-7151	144	4	-	-	SYM
fbem-7151	144	5	1409	1409	NUM
fbem-7151	144	6	.	.	PUNCT
fbem-7151	145	1	[	[	X
fbem-7151	145	2	4	4	NUM
fbem-7151	145	3	]	]	SYM
fbem-7151	145	4	hu	hu	PROPN
fbem-7151	145	5	ying	ying	PROPN
fbem-7151	145	6	.	.	PUNCT
fbem-7151	146	1	(	(	PUNCT
fbem-7151	146	2	2021	2021	NUM
fbem-7151	146	3	)	)	PUNCT
fbem-7151	146	4	.	.	PUNCT
fbem-7151	147	1	research	research	NOUN
fbem-7151	147	2	on	on	ADP
fbem-7151	147	3	digital	digital	ADJ
fbem-7151	147	4	transformation	transformation	NOUN
fbem-7151	147	5	and	and	CCONJ
fbem-7151	147	6	development	development	NOUN
fbem-7151	147	7	of	of	ADP
fbem-7151	147	8	jx	jx	PROPN
fbem-7151	147	9	branch	branch	PROPN
fbem-7151	147	10	of	of	ADP
fbem-7151	147	11	bank	bank	PROPN
fbem-7151	147	12	of	of	ADP
fbem-7151	147	13	china	china	PROPN
fbem-7151	147	14	(	(	PUNCT
fbem-7151	147	15	master	master	NOUN
fbem-7151	147	16	's	's	PART
fbem-7151	147	17	thesis	thesis	NOUN
fbem-7151	147	18	,	,	PUNCT
fbem-7151	147	19	jiangxi	jiangxi	PROPN
fbem-7151	147	20	university	university	PROPN
fbem-7151	147	21	of	of	ADP
fbem-7151	147	22	finance	finance	NOUN
fbem-7151	147	23	and	and	CCONJ
fbem-7151	147	24	economics	economic	NOUN
fbem-7151	147	25	)	)	PUNCT
fbem-7151	147	26	.	.	PUNCT
fbem-7151	148	1	[	[	X
fbem-7151	148	2	5	5	NUM
fbem-7151	148	3	]	]	PUNCT
fbem-7151	148	4	legowo	legowo	NOUN
fbem-7151	148	5	,	,	PUNCT
fbem-7151	148	6	m.b.(2017	m.b.(2017	PROPN
fbem-7151	148	7	)	)	PUNCT
fbem-7151	148	8	.	.	PUNCT
fbem-7151	149	1	monitoring	monitoring	NOUN
fbem-7151	149	2	and	and	CCONJ
fbem-7151	149	3	evaluation	evaluation	NOUN
fbem-7151	149	4	information	information	NOUN
fbem-7151	149	5	system	system	NOUN
fbem-7151	149	6	modeling	modeling	NOUN
fbem-7151	149	7	for	for	ADP
fbem-7151	149	8	banking	banking	NOUN
fbem-7151	149	9	credits	credit	NOUN
fbem-7151	149	10	.	.	PUNCT
fbem-7151	150	1	international	international	ADJ
fbem-7151	150	2	journal	journal	PROPN
fbem-7151	150	3	of	of	ADP
fbem-7151	150	4	computer	computer	NOUN
fbem-7151	150	5	science	science	NOUN
fbem-7151	150	6	issues	issue	NOUN
fbem-7151	150	7	(	(	PUNCT
fbem-7151	150	8	ijcsi	ijcsi	PROPN
fbem-7151	150	9	)	)	PUNCT
fbem-7151	150	10	,	,	PUNCT
fbem-7151	150	11	14(5),21	14(5),21	NUM
fbem-7151	150	12	-	-	SYM
fbem-7151	150	13	30	30	NUM
fbem-7151	150	14	.	.	PUNCT
fbem-7151	151	1	[	[	X
fbem-7151	151	2	6	6	NUM
fbem-7151	151	3	]	]	SYM
fbem-7151	151	4	li	li	PROPN
fbem-7151	151	5	hao	hao	PROPN
fbem-7151	151	6	.	.	PUNCT
fbem-7151	151	7	(	(	PUNCT
fbem-7151	151	8	2020	2020	NUM
fbem-7151	151	9	)	)	PUNCT
fbem-7151	151	10	.	.	PUNCT
fbem-7151	152	1	research	research	NOUN
fbem-7151	152	2	on	on	ADP
fbem-7151	152	3	the	the	DET
fbem-7151	152	4	transformation	transformation	NOUN
fbem-7151	152	5	strategy	strategy	NOUN
fbem-7151	152	6	of	of	ADP
fbem-7151	152	7	z	z	PROPN
fbem-7151	152	8	bank	bank	PROPN
fbem-7151	152	9	under	under	ADP
fbem-7151	152	10	the	the	DET
fbem-7151	152	11	background	background	NOUN
fbem-7151	152	12	of	of	ADP
fbem-7151	152	13	fintech	fintech	NOUN
fbem-7151	152	14	(	(	PUNCT
fbem-7151	152	15	master	master	NOUN
fbem-7151	152	16	's	's	PART
fbem-7151	152	17	thesis	thesis	NOUN
fbem-7151	152	18	,	,	PUNCT
fbem-7151	152	19	zhongnan	zhongnan	PROPN
fbem-7151	152	20	university	university	PROPN
fbem-7151	152	21	of	of	ADP
fbem-7151	152	22	economics	economic	NOUN
fbem-7151	152	23	and	and	CCONJ
fbem-7151	152	24	law	law	NOUN
fbem-7151	152	25	)	)	PUNCT
fbem-7151	152	26	.	.	PUNCT
fbem-7151	153	1	[	[	X
fbem-7151	153	2	7	7	X
fbem-7151	153	3	]	]	X
fbem-7151	153	4	li	li	PROPN
fbem-7151	153	5	pengjian	pengjian	PROPN
fbem-7151	153	6	.	.	PUNCT
fbem-7151	154	1	(	(	PUNCT
fbem-7151	154	2	2022	2022	NUM
fbem-7151	154	3	)	)	PUNCT
fbem-7151	154	4	.	.	PUNCT
fbem-7151	155	1	theoretical	theoretical	ADJ
fbem-7151	155	2	and	and	CCONJ
fbem-7151	155	3	practical	practical	ADJ
fbem-7151	155	4	research	research	NOUN
fbem-7151	155	5	on	on	ADP
fbem-7151	155	6	digital	digital	ADJ
fbem-7151	155	7	transformation	transformation	NOUN
fbem-7151	155	8	of	of	ADP
fbem-7151	155	9	banking	banking	NOUN
fbem-7151	155	10	industry	industry	NOUN
fbem-7151	155	11	.	.	PUNCT
fbem-7151	156	1	the	the	DET
fbem-7151	156	2	age	age	NOUN
fbem-7151	156	3	of	of	ADP
fbem-7151	156	4	wealth	wealth	NOUN
fbem-7151	156	5	.	.	PUNCT
fbem-7151	157	1	[	[	X
fbem-7151	157	2	8	8	NUM
fbem-7151	157	3	]	]	X
fbem-7151	157	4	liu	liu	PROPN
fbem-7151	157	5	juanwen	juanwen	PROPN
fbem-7151	157	6	.	.	PUNCT
fbem-7151	158	1	(	(	PUNCT
fbem-7151	158	2	2021	2021	NUM
fbem-7151	158	3	)	)	PUNCT
fbem-7151	158	4	.	.	PUNCT
fbem-7151	159	1	research	research	NOUN
fbem-7151	159	2	on	on	ADP
fbem-7151	159	3	digital	digital	ADJ
fbem-7151	159	4	transformation	transformation	NOUN
fbem-7151	159	5	development	development	NOUN
fbem-7151	159	6	strategy	strategy	NOUN
fbem-7151	159	7	of	of	ADP
fbem-7151	159	8	a	a	DET
fbem-7151	159	9	branch	branch	NOUN
fbem-7151	159	10	of	of	ADP
fbem-7151	159	11	agricultural	agricultural	ADJ
fbem-7151	159	12	bank	bank	PROPN
fbem-7151	159	13	of	of	ADP
fbem-7151	159	14	china	china	PROPN
fbem-7151	159	15	(	(	PUNCT
fbem-7151	159	16	master	master	NOUN
fbem-7151	159	17	's	's	PART
fbem-7151	159	18	thesis	thesis	NOUN
fbem-7151	159	19	,	,	PUNCT
fbem-7151	159	20	inner	inner	PROPN
fbem-7151	159	21	mongolia	mongolia	PROPN
fbem-7151	159	22	university	university	PROPN
fbem-7151	159	23	of	of	ADP
fbem-7151	159	24	finance	finance	NOUN
fbem-7151	159	25	and	and	CCONJ
fbem-7151	159	26	economics	economic	NOUN
fbem-7151	159	27	)	)	PUNCT
fbem-7151	159	28	.	.	PUNCT
fbem-7151	160	1	[	[	X
fbem-7151	160	2	9	9	NUM
fbem-7151	160	3	]	]	X
fbem-7151	160	4	liu	liu	PROPN
fbem-7151	160	5	ye	ye	PROPN
fbem-7151	160	6	.	.	PUNCT
fbem-7151	160	7	(	(	PUNCT
fbem-7151	160	8	2020	2020	NUM
fbem-7151	160	9	)	)	PUNCT
fbem-7151	160	10	.	.	PUNCT
fbem-7151	161	1	study	study	NOUN
fbem-7151	161	2	on	on	ADP
fbem-7151	161	3	the	the	DET
fbem-7151	161	4	impact	impact	NOUN
fbem-7151	161	5	of	of	ADP
fbem-7151	161	6	fintech	fintech	NOUN
fbem-7151	161	7	development	development	NOUN
fbem-7151	161	8	on	on	ADP
fbem-7151	161	9	commercial	commercial	ADJ
fbem-7151	161	10	banks	bank	NOUN
fbem-7151	161	11	'	'	PART
fbem-7151	161	12	risk	risk	NOUN
fbem-7151	161	13	-	-	PUNCT
fbem-7151	161	14	taking	taking	NOUN
fbem-7151	161	15	(	(	PUNCT
fbem-7151	161	16	master	master	NOUN
fbem-7151	161	17	's	's	PART
fbem-7151	161	18	thesis	thesis	NOUN
fbem-7151	161	19	,	,	PUNCT
fbem-7151	161	20	zhongnan	zhongnan	PROPN
fbem-7151	161	21	university	university	PROPN
fbem-7151	161	22	of	of	ADP
fbem-7151	161	23	economics	economic	NOUN
fbem-7151	161	24	and	and	CCONJ
fbem-7151	161	25	law	law	NOUN
fbem-7151	161	26	)	)	PUNCT
fbem-7151	161	27	.	.	PUNCT
fbem-7151	162	1	[	[	X
fbem-7151	162	2	10	10	NUM
fbem-7151	162	3	]	]	X
fbem-7151	162	4	liu	liu	PROPN
fbem-7151	162	5	zelin	zelin	PROPN
fbem-7151	162	6	.	.	PUNCT
fbem-7151	163	1	(	(	PUNCT
fbem-7151	163	2	2022	2022	NUM
fbem-7151	163	3	)	)	PUNCT
fbem-7151	163	4	.	.	PUNCT
fbem-7151	164	1	a	a	DET
fbem-7151	164	2	comprehensive	comprehensive	ADJ
fbem-7151	164	3	evaluation	evaluation	NOUN
fbem-7151	164	4	study	study	NOUN
fbem-7151	164	5	on	on	ADP
fbem-7151	164	6	the	the	DET
fbem-7151	164	7	effectiveness	effectiveness	NOUN
fbem-7151	164	8	of	of	ADP
fbem-7151	164	9	digital	digital	ADJ
fbem-7151	164	10	transformation	transformation	NOUN
fbem-7151	164	11	of	of	ADP
fbem-7151	164	12	retail	retail	ADJ
fbem-7151	164	13	finance	finance	NOUN
fbem-7151	164	14	of	of	ADP
fbem-7151	164	15	a	a	DET
fbem-7151	164	16	bank	bank	NOUN
fbem-7151	164	17	(	(	PUNCT
fbem-7151	164	18	master	master	NOUN
fbem-7151	164	19	's	's	PART
fbem-7151	164	20	thesis	thesis	NOUN
fbem-7151	164	21	,	,	PUNCT
fbem-7151	164	22	zhejiang	zhejiang	PROPN
fbem-7151	164	23	university	university	PROPN
fbem-7151	164	24	)	)	PUNCT
fbem-7151	164	25	.	.	PUNCT
fbem-7151	165	1	[	[	X
fbem-7151	165	2	11	11	NUM
fbem-7151	165	3	]	]	X
fbem-7151	165	4	qin	qin	PROPN
fbem-7151	165	5	jiankun	jiankun	PROPN
fbem-7151	165	6	.	.	PUNCT
fbem-7151	166	1	(	(	PUNCT
fbem-7151	166	2	2020	2020	NUM
fbem-7151	166	3	)	)	PUNCT
fbem-7151	166	4	.	.	PUNCT
fbem-7151	167	1	research	research	NOUN
fbem-7151	167	2	on	on	ADP
fbem-7151	167	3	y	y	PROPN
fbem-7151	167	4	bank	bank	PROPN
fbem-7151	167	5	's	's	PART
fbem-7151	167	6	digital	digital	ADJ
fbem-7151	167	7	transformation	transformation	NOUN
fbem-7151	167	8	strategy	strategy	NOUN
fbem-7151	167	9	(	(	PUNCT
fbem-7151	167	10	master	master	NOUN
fbem-7151	167	11	's	's	PART
fbem-7151	167	12	thesis	thesis	NOUN
fbem-7151	167	13	,	,	PUNCT
fbem-7151	167	14	zhengzhou	zhengzhou	PROPN
fbem-7151	167	15	university	university	PROPN
fbem-7151	167	16	)	)	PUNCT
fbem-7151	167	17	.	.	PUNCT
fbem-7151	168	1	[	[	X
fbem-7151	168	2	12	12	NUM
fbem-7151	168	3	]	]	X
fbem-7151	168	4	su	su	PROPN
fbem-7151	168	5	bowen	bowen	PROPN
fbem-7151	168	6	,	,	PUNCT
fbem-7151	168	7	xiao	xiao	PROPN
fbem-7151	168	8	min	min	PROPN
fbem-7151	168	9	,	,	PUNCT
fbem-7151	168	10	&	&	CCONJ
fbem-7151	168	11	xie	xie	PROPN
fbem-7151	168	12	zhaohua	zhaohua	PROPN
fbem-7151	168	13	.	.	PUNCT
fbem-7151	168	14	(	(	PUNCT
fbem-7151	168	15	2021	2021	NUM
fbem-7151	168	16	)	)	PUNCT
fbem-7151	168	17	.	.	PUNCT
fbem-7151	169	1	theoretical	theoretical	ADJ
fbem-7151	169	2	and	and	CCONJ
fbem-7151	169	3	empirical	empirical	ADJ
fbem-7151	169	4	research	research	NOUN
fbem-7151	169	5	on	on	ADP
fbem-7151	169	6	the	the	DET
fbem-7151	169	7	driving	drive	VERB
fbem-7151	169	8	factors	factor	NOUN
fbem-7151	169	9	of	of	ADP
fbem-7151	169	10	high	high	ADJ
fbem-7151	169	11	-	-	PUNCT
fbem-7151	169	12	quality	quality	NOUN
fbem-7151	169	13	development	development	NOUN
fbem-7151	169	14	of	of	ADP
fbem-7151	169	15	chinese	chinese	ADJ
fbem-7151	169	16	banking	banking	NOUN
fbem-7151	169	17	industry	industry	NOUN
fbem-7151	169	18	.	.	PUNCT
fbem-7151	170	1	price	price	NOUN
fbem-7151	170	2	theory	theory	NOUN
fbem-7151	170	3	and	and	CCONJ
fbem-7151	170	4	practice	practice	NOUN
fbem-7151	170	5	.	.	PUNCT
fbem-7151	171	1	[	[	X
fbem-7151	171	2	13	13	NUM
fbem-7151	171	3	]	]	X
fbem-7151	171	4	wang	wang	PROPN
fbem-7151	171	5	qing	qing	PROPN
fbem-7151	171	6	,	,	PUNCT
fbem-7151	171	7	liu	liu	PROPN
fbem-7151	171	8	jun	jun	PROPN
fbem-7151	171	9	,	,	PUNCT
fbem-7151	171	10	&	&	CCONJ
fbem-7151	171	11	jin	jin	PROPN
fbem-7151	171	12	zhiwen	zhiwen	PROPN
fbem-7151	171	13	.	.	PUNCT
fbem-7151	172	1	(	(	PUNCT
fbem-7151	172	2	2018	2018	NUM
fbem-7151	172	3	)	)	PUNCT
fbem-7151	172	4	.	.	PUNCT
fbem-7151	173	1	correlation	correlation	NOUN
fbem-7151	173	2	analysis	analysis	NOUN
fbem-7151	173	3	between	between	ADP
fbem-7151	173	4	regional	regional	ADJ
fbem-7151	173	5	financial	financial	ADJ
fbem-7151	173	6	risk	risk	NOUN
fbem-7151	173	7	and	and	CCONJ
fbem-7151	173	8	regional	regional	ADJ
fbem-7151	173	9	economic	economic	ADJ
fbem-7151	173	10	growth	growth	NOUN
fbem-7151	173	11	.	.	PUNCT
fbem-7151	174	1	reform	reform	NOUN
fbem-7151	174	2	,	,	PUNCT
fbem-7151	174	3	5	5	NUM
fbem-7151	174	4	,	,	PUNCT
fbem-7151	174	5	66	66	NUM
fbem-7151	174	6	-	-	SYM
fbem-7151	174	7	75	75	NUM
fbem-7151	174	8	.	.	PUNCT
fbem-7151	175	1	[	[	X
fbem-7151	175	2	14	14	NUM
fbem-7151	175	3	]	]	X
fbem-7151	175	4	wang	wang	PROPN
fbem-7151	175	5	,	,	PUNCT
fbem-7151	175	6	s,(2021	s,(2021	PROPN
fbem-7151	175	7	)	)	PUNCT
fbem-7151	175	8	.	.	PUNCT
fbem-7151	176	1	study	study	NOUN
fbem-7151	176	2	on	on	ADP
fbem-7151	176	3	the	the	DET
fbem-7151	176	4	influence	influence	NOUN
fbem-7151	176	5	of	of	ADP
fbem-7151	176	6	financial	financial	ADJ
fbem-7151	176	7	development	development	NOUN
fbem-7151	176	8	on	on	ADP
fbem-7151	176	9	industrial	industrial	ADJ
fbem-7151	176	10	structure	structure	NOUN
fbem-7151	176	11	upgrading	upgrading	NOUN
fbem-7151	176	12	in	in	ADP
fbem-7151	176	13	jiangsu	jiangsu	PROPN
fbem-7151	176	14	province	province	PROPN
fbem-7151	176	15	(	(	PUNCT
fbem-7151	176	16	master	master	NOUN
fbem-7151	176	17	’s	’s	PART
fbem-7151	176	18	thesis	thesis	NOUN
fbem-7151	176	19	)	)	PUNCT
fbem-7151	176	20	.	.	PUNCT
fbem-7151	177	1	qufu	qufu	PROPN
fbem-7151	177	2	normal	normal	ADJ
fbem-7151	177	3	university	university	NOUN
fbem-7151	177	4	,	,	PUNCT
fbem-7151	177	5	qufu	qufu	NOUN
fbem-7151	177	6	.	.	PUNCT
fbem-7151	178	1	[	[	X
fbem-7151	178	2	15	15	NUM
fbem-7151	178	3	]	]	X
fbem-7151	178	4	yan	yan	PROPN
fbem-7151	178	5	jianye	jianye	PROPN
fbem-7151	178	6	,	,	PUNCT
fbem-7151	178	7	wu	wu	PROPN
fbem-7151	178	8	junxian	junxian	PROPN
fbem-7151	178	9	,	,	PUNCT
fbem-7151	178	10	&	&	CCONJ
fbem-7151	178	11	kang	kang	PROPN
fbem-7151	178	12	jian	jian	PROPN
fbem-7151	178	13	.	.	PROPN
fbem-7151	178	14	(	(	PUNCT
fbem-7151	178	15	2021	2021	NUM
fbem-7151	178	16	)	)	PUNCT
fbem-7151	178	17	.	.	PUNCT
fbem-7151	179	1	the	the	DET
fbem-7151	179	2	impact	impact	NOUN
fbem-7151	179	3	of	of	ADP
fbem-7151	179	4	banking	banking	NOUN
fbem-7151	179	5	structure	structure	NOUN
fbem-7151	179	6	on	on	ADP
fbem-7151	179	7	regional	regional	ADJ
fbem-7151	179	8	economic	economic	ADJ
fbem-7151	179	9	development	development	NOUN
fbem-7151	179	10	:	:	PUNCT
fbem-7151	179	11	based	base	VERB
fbem-7151	179	12	on	on	ADP
fbem-7151	179	13	the	the	DET
fbem-7151	179	14	theory	theory	NOUN
fbem-7151	179	15	and	and	CCONJ
fbem-7151	179	16	empirical	empirical	ADJ
fbem-7151	179	17	test	test	NOUN
fbem-7151	179	18	of	of	ADP
fbem-7151	179	19	new	new	ADJ
fbem-7151	179	20	structural	structural	ADJ
fbem-7151	179	21	finance	finance	NOUN
fbem-7151	179	22	.	.	PUNCT
fbem-7151	180	1	journal	journal	PROPN
fbem-7151	180	2	of	of	ADP
fbem-7151	180	3	lanzhou	lanzhou	PROPN
fbem-7151	180	4	university	university	PROPN
fbem-7151	180	5	(	(	PUNCT
fbem-7151	180	6	social	social	PROPN
fbem-7151	180	7	sciences	science	NOUN
fbem-7151	180	8	edition	edition	NOUN
fbem-7151	180	9	)	)	PUNCT
fbem-7151	180	10	.	.	PUNCT
fbem-7151	181	1	212	212	NUM
fbem-7151	182	1	[	[	SYM
fbem-7151	182	2	16	16	NUM
fbem-7151	182	3	]	]	SYM
fbem-7151	182	4	yang	yang	PROPN
fbem-7151	182	5	,	,	PUNCT
fbem-7151	182	6	l.(2019).regional	l.(2019).regional	PROPN
fbem-7151	182	7	financial	financial	ADJ
fbem-7151	182	8	development	development	NOUN
fbem-7151	182	9	to	to	ADP
fbem-7151	182	10	economic	economic	ADJ
fbem-7151	182	11	growth	growth	NOUN
fbem-7151	182	12	impact	impact	NOUN
fbem-7151	182	13	study	study	NOUN
fbem-7151	182	14	(	(	PUNCT
fbem-7151	182	15	master	master	NOUN
fbem-7151	182	16	’s	’s	PART
fbem-7151	182	17	thesis	thesis	NOUN
fbem-7151	182	18	)	)	PUNCT
fbem-7151	182	19	.	.	PUNCT
fbem-7151	183	1	sichuan	sichuan	PROPN
fbem-7151	183	2	normal	normal	ADJ
fbem-7151	183	3	university	university	PROPN
fbem-7151	183	4	,	,	PUNCT
fbem-7151	183	5	sichuan	sichuan	PROPN
fbem-7151	183	6	.	.	PUNCT
fbem-7151	184	1	[	[	X
fbem-7151	184	2	17	17	NUM
fbem-7151	184	3	]	]	X
fbem-7151	184	4	ye	ye	NOUN
fbem-7151	184	5	,	,	PUNCT
fbem-7151	184	6	x.	x.	NOUN
fbem-7151	184	7	,wu	,wu	PROPN
fbem-7151	184	8	,	,	PUNCT
fbem-7151	184	9	f.	f.	PROPN
fbem-7151	184	10	,&lian	,&lian	PROPN
fbem-7151	184	11	,	,	PUNCT
fbem-7151	184	12	s.n.(2019	s.n.(2019	NUM
fbem-7151	184	13	)	)	PUNCT
fbem-7151	184	14	.	.	PUNCT
fbem-7151	185	1	financial	financial	ADJ
fbem-7151	185	2	development	development	PROPN
fbem-7151	185	3	,	,	PUNCT
fbem-7151	185	4	local	local	ADJ
fbem-7151	185	5	government	government	NOUN
fbem-7151	185	6	behavior	behavior	NOUN
fbem-7151	185	7	and	and	CCONJ
fbem-7151	185	8	regional	regional	ADJ
fbem-7151	185	9	technological	technological	ADJ
fbem-7151	185	10	innovation	innovation	NOUN
fbem-7151	185	11	.	.	PUNCT
fbem-7151	186	1	reform	reform	NOUN
fbem-7151	186	2	of	of	ADP
fbem-7151	186	3	the	the	DET
fbem-7151	186	4	economic	economic	PROPN
fbem-7151	186	5	system,2019(03),129	system,2019(03),129	PROPN
fbem-7151	186	6	-	-	PUNCT
fbem-7151	186	7	134	134	NUM
fbem-7151	186	8	.	.	PUNCT
fbem-7151	187	1	[	[	X
fbem-7151	187	2	18	18	NUM
fbem-7151	187	3	]	]	X
fbem-7151	187	4	yi	yi	PROPN
fbem-7151	187	5	wen	wen	PROPN
fbem-7151	187	6	.	.	PUNCT
fbem-7151	187	7	(	(	PUNCT
fbem-7151	187	8	2019	2019	NUM
fbem-7151	187	9	)	)	PUNCT
fbem-7151	187	10	.	.	PUNCT
fbem-7151	188	1	y	y	X
fbem-7151	188	2	-	-	PUNCT
fbem-7151	188	3	city	city	NOUN
fbem-7151	188	4	commercial	commercial	ADJ
fbem-7151	188	5	bank	bank	PROPN
fbem-7151	188	6	digital	digital	PROPN
fbem-7151	188	7	transformation	transformation	NOUN
fbem-7151	188	8	development	development	NOUN
fbem-7151	188	9	strategy	strategy	NOUN
fbem-7151	188	10	research	research	NOUN
fbem-7151	188	11	(	(	PUNCT
fbem-7151	188	12	master	master	NOUN
fbem-7151	188	13	's	's	PART
fbem-7151	188	14	thesis	thesis	NOUN
fbem-7151	188	15	,	,	PUNCT
fbem-7151	188	16	zhengzhou	zhengzhou	PROPN
fbem-7151	188	17	university	university	PROPN
fbem-7151	188	18	)	)	PUNCT
fbem-7151	188	19	.	.	PUNCT
fbem-7151	189	1	[	[	X
fbem-7151	189	2	19	19	NUM
fbem-7151	189	3	]	]	X
fbem-7151	189	4	zhou	zhou	PROPN
fbem-7151	189	5	lingli	lingli	PROPN
fbem-7151	189	6	.	.	PUNCT
fbem-7151	190	1	(	(	PUNCT
fbem-7151	190	2	2021	2021	NUM
fbem-7151	190	3	)	)	PUNCT
fbem-7151	190	4	.	.	PUNCT
fbem-7151	191	1	research	research	NOUN
fbem-7151	191	2	on	on	ADP
fbem-7151	191	3	digital	digital	ADJ
fbem-7151	191	4	transformation	transformation	NOUN
fbem-7151	191	5	and	and	CCONJ
fbem-7151	191	6	development	development	NOUN
fbem-7151	191	7	of	of	ADP
fbem-7151	191	8	huishang	huishang	PROPN
fbem-7151	191	9	bank	bank	PROPN
fbem-7151	191	10	(	(	PUNCT
fbem-7151	191	11	master	master	NOUN
fbem-7151	191	12	's	's	PART
fbem-7151	191	13	thesis	thesis	NOUN
fbem-7151	191	14	,	,	PUNCT
fbem-7151	191	15	anhui	anhui	PROPN
fbem-7151	191	16	university	university	PROPN
fbem-7151	191	17	)	)	PUNCT
fbem-7151	191	18	.	.	PUNCT
fbem-7151	192	1	[	[	X
fbem-7151	192	2	20	20	NUM
fbem-7151	192	3	]	]	X
fbem-7151	192	4	zhou	zhou	PROPN
fbem-7151	192	5	,	,	PUNCT
fbem-7151	192	6	c.(2019	c.(2019	PROPN
fbem-7151	192	7	)	)	PUNCT
fbem-7151	192	8	.	.	PUNCT
fbem-7151	193	1	empirical	empirical	ADJ
fbem-7151	193	2	analysis	analysis	NOUN
fbem-7151	193	3	of	of	ADP
fbem-7151	193	4	the	the	DET
fbem-7151	193	5	influence	influence	NOUN
fbem-7151	193	6	of	of	ADP
fbem-7151	193	7	inclusive	inclusive	ADJ
fbem-7151	193	8	finance	finance	NOUN
fbem-7151	193	9	and	and	CCONJ
fbem-7151	193	10	banking	banking	NOUN
fbem-7151	193	11	structure	structure	NOUN
fbem-7151	193	12	on	on	ADP
fbem-7151	193	13	industrial	industrial	ADJ
fbem-7151	193	14	development	development	NOUN
fbem-7151	193	15	in	in	ADP
fbem-7151	193	16	different	different	ADJ
fbem-7151	193	17	regions	region	NOUN
fbem-7151	193	18	.	.	PUNCT
fbem-7151	194	1	the	the	DET
fbem-7151	194	2	practice	practice	NOUN
fbem-7151	194	3	and	and	CCONJ
fbem-7151	194	4	understanding	understanding	NOUN
fbem-7151	194	5	of	of	ADP
fbem-7151	194	6	mathematics	mathematic	NOUN
fbem-7151	194	7	,	,	PUNCT
fbem-7151	194	8	49(20	49(20	PROPN
fbem-7151	194	9	)	)	PUNCT
fbem-7151	194	10	,	,	PUNCT
fbem-7151	194	11	320	320	NUM
fbem-7151	194	12	-	-	SYM
fbem-7151	194	13	328	328	NUM
fbem-7151	194	14	.	.	PUNCT
fbem-7151	195	1	[	[	X
fbem-7151	195	2	21	21	NUM
fbem-7151	195	3	]	]	X
fbem-7151	195	4	zhou	zhou	X
fbem-7151	195	5	,	,	PUNCT
fbem-7151	195	6	c.(2021,august	c.(2021,august	PROPN
fbem-7151	195	7	6	6	NUM
fbem-7151	195	8	)	)	PUNCT
fbem-7151	195	9	.	.	PUNCT
fbem-7151	196	1	finance	finance	NOUN
fbem-7151	196	2	has	have	AUX
fbem-7151	196	3	accelerated	accelerate	VERB
fbem-7151	196	4	the	the	DET
fbem-7151	196	5	development	development	NOUN
fbem-7151	196	6	of	of	ADP
fbem-7151	196	7	the	the	DET
fbem-7151	196	8	major	major	ADJ
fbem-7151	196	9	instruments	instrument	NOUN
fbem-7151	196	10	of	of	ADP
fbem-7151	196	11	a	a	DET
fbem-7151	196	12	major	major	ADJ
fbem-7151	196	13	country	country	NOUN
fbem-7151	196	14	.	.	PUNCT
fbem-7151	197	1	financial	financial	PROPN
fbem-7151	197	2	times.p.4	times.p.4	PROPN
fbem-7151	197	3	.	.	PUNCT