id	sid	tid	token	lemma	pos
fbem-7719	1	1	frontiers	frontier	NOUN
fbem-7719	1	2	in	in	ADP
fbem-7719	1	3	business	business	NOUN
fbem-7719	1	4	,	,	PUNCT
fbem-7719	1	5	economics	economic	NOUN
fbem-7719	1	6	and	and	CCONJ
fbem-7719	1	7	management	management	NOUN
fbem-7719	1	8	issn	issn	PROPN
fbem-7719	1	9	:	:	PUNCT
fbem-7719	1	10	2766	2766	NUM
fbem-7719	1	11	-	-	PUNCT
fbem-7719	1	12	824x	824x	NUM
fbem-7719	1	13	|	|	ADJ
fbem-7719	1	14	vol	vol	NOUN
fbem-7719	1	15	.	.	PROPN
fbem-7719	1	16	8	8	NUM
fbem-7719	1	17	,	,	PUNCT
fbem-7719	1	18	no	no	INTJ
fbem-7719	1	19	.	.	NOUN
fbem-7719	1	20	3	3	NUM
fbem-7719	1	21	,	,	PUNCT
fbem-7719	1	22	2023	2023	NUM
fbem-7719	1	23	49	49	NUM
fbem-7719	1	24	the	the	DET
fbem-7719	1	25	practice	practice	NOUN
fbem-7719	1	26	of	of	ADP
fbem-7719	1	27	financial	financial	ADJ
fbem-7719	1	28	consumer	consumer	NOUN
fbem-7719	1	29	rights	right	NOUN
fbem-7719	1	30	protection	protection	NOUN
fbem-7719	1	31	innovation	innovation	NOUN
fbem-7719	1	32	in	in	ADP
fbem-7719	1	33	united	united	PROPN
fbem-7719	1	34	states	states	PROPN
fbem-7719	1	35	and	and	CCONJ
fbem-7719	1	36	japan	japan	PROPN
fbem-7719	1	37	and	and	CCONJ
fbem-7719	1	38	its	its	PRON
fbem-7719	1	39	enlightenment	enlightenment	NOUN
fbem-7719	1	40	to	to	ADP
fbem-7719	1	41	our	our	PRON
fbem-7719	1	42	country	country	NOUN
fbem-7719	1	43	jinrong	jinrong	PROPN
fbem-7719	1	44	cai	cai	PROPN
fbem-7719	1	45	,	,	PUNCT
fbem-7719	1	46	yufan	yufan	PROPN
fbem-7719	1	47	sheng	sheng	PROPN
fbem-7719	1	48	,	,	PUNCT
fbem-7719	1	49	si	si	PROPN
fbem-7719	1	50	chen	chen	PROPN
fbem-7719	1	51	,	,	PUNCT
fbem-7719	1	52	jiajing	jiaje	VERB
fbem-7719	1	53	ding	ding	PROPN
fbem-7719	1	54	,	,	PUNCT
fbem-7719	1	55	shutong	shutong	PROPN
fbem-7719	1	56	fan	fan	PROPN
fbem-7719	1	57	nanjing	nanjing	PROPN
fbem-7719	1	58	audit	audit	PROPN
fbem-7719	1	59	university	university	PROPN
fbem-7719	1	60	,	,	PUNCT
fbem-7719	1	61	nanjing	nanjing	PROPN
fbem-7719	1	62	,	,	PUNCT
fbem-7719	1	63	jiangsu	jiangsu	PROPN
fbem-7719	1	64	,	,	PUNCT
fbem-7719	1	65	211815	211815	NUM
fbem-7719	1	66	,	,	PUNCT
fbem-7719	1	67	china	china	PROPN
fbem-7719	1	68	abstract	abstract	PROPN
fbem-7719	1	69	:	:	PUNCT
fbem-7719	1	70	the	the	DET
fbem-7719	1	71	research	research	NOUN
fbem-7719	1	72	on	on	ADP
fbem-7719	1	73	the	the	DET
fbem-7719	1	74	protection	protection	NOUN
fbem-7719	1	75	theory	theory	NOUN
fbem-7719	1	76	of	of	ADP
fbem-7719	1	77	financial	financial	ADJ
fbem-7719	1	78	consumers	consumer	NOUN
fbem-7719	1	79	'	'	PART
fbem-7719	1	80	rights	right	NOUN
fbem-7719	1	81	and	and	CCONJ
fbem-7719	1	82	interests	interest	NOUN
fbem-7719	1	83	can	can	AUX
fbem-7719	1	84	not	not	PART
fbem-7719	1	85	only	only	ADV
fbem-7719	1	86	effectively	effectively	ADV
fbem-7719	1	87	relieve	relieve	VERB
fbem-7719	1	88	the	the	DET
fbem-7719	1	89	pressure	pressure	NOUN
fbem-7719	1	90	brought	bring	VERB
fbem-7719	1	91	by	by	ADP
fbem-7719	1	92	the	the	DET
fbem-7719	1	93	epidemic	epidemic	NOUN
fbem-7719	1	94	on	on	ADP
fbem-7719	1	95	economic	economic	ADJ
fbem-7719	1	96	development	development	NOUN
fbem-7719	1	97	,	,	PUNCT
fbem-7719	1	98	stabilize	stabilize	VERB
fbem-7719	1	99	the	the	DET
fbem-7719	1	100	volatile	volatile	ADJ
fbem-7719	1	101	financial	financial	ADJ
fbem-7719	1	102	market	market	NOUN
fbem-7719	1	103	,	,	PUNCT
fbem-7719	1	104	promote	promote	VERB
fbem-7719	1	105	the	the	DET
fbem-7719	1	106	healthy	healthy	ADJ
fbem-7719	1	107	development	development	NOUN
fbem-7719	1	108	of	of	ADP
fbem-7719	1	109	the	the	DET
fbem-7719	1	110	financial	financial	ADJ
fbem-7719	1	111	industry	industry	NOUN
fbem-7719	1	112	,	,	PUNCT
fbem-7719	1	113	but	but	CCONJ
fbem-7719	1	114	also	also	ADV
fbem-7719	1	115	accumulate	accumulate	VERB
fbem-7719	1	116	the	the	DET
fbem-7719	1	117	experience	experience	NOUN
fbem-7719	1	118	of	of	ADP
fbem-7719	1	119	dealing	deal	VERB
fbem-7719	1	120	with	with	ADP
fbem-7719	1	121	the	the	DET
fbem-7719	1	122	crisis	crisis	NOUN
fbem-7719	1	123	of	of	ADP
fbem-7719	1	124	the	the	DET
fbem-7719	1	125	epidemic	epidemic	NOUN
fbem-7719	1	126	and	and	CCONJ
fbem-7719	1	127	prepare	prepare	VERB
fbem-7719	1	128	for	for	ADP
fbem-7719	1	129	the	the	DET
fbem-7719	1	130	unknown	unknown	ADJ
fbem-7719	1	131	future	future	NOUN
fbem-7719	1	132	.	.	PUNCT
fbem-7719	2	1	this	this	DET
fbem-7719	2	2	paper	paper	NOUN
fbem-7719	2	3	starts	start	VERB
fbem-7719	2	4	with	with	ADP
fbem-7719	2	5	the	the	DET
fbem-7719	2	6	comparative	comparative	ADJ
fbem-7719	2	7	analysis	analysis	NOUN
fbem-7719	2	8	of	of	ADP
fbem-7719	2	9	the	the	DET
fbem-7719	2	10	policies	policy	NOUN
fbem-7719	2	11	of	of	ADP
fbem-7719	2	12	china	china	PROPN
fbem-7719	2	13	,	,	PUNCT
fbem-7719	2	14	the	the	DET
fbem-7719	2	15	united	united	PROPN
fbem-7719	2	16	states	states	PROPN
fbem-7719	2	17	and	and	CCONJ
fbem-7719	2	18	japan	japan	PROPN
fbem-7719	2	19	in	in	ADP
fbem-7719	2	20	the	the	DET
fbem-7719	2	21	field	field	NOUN
fbem-7719	2	22	of	of	ADP
fbem-7719	2	23	financial	financial	ADJ
fbem-7719	2	24	consumer	consumer	NOUN
fbem-7719	2	25	protection	protection	NOUN
fbem-7719	2	26	,	,	PUNCT
fbem-7719	2	27	and	and	CCONJ
fbem-7719	2	28	compares	compare	VERB
fbem-7719	2	29	and	and	CCONJ
fbem-7719	2	30	analyzes	analyze	VERB
fbem-7719	2	31	the	the	DET
fbem-7719	2	32	financial	financial	ADJ
fbem-7719	2	33	legislation	legislation	NOUN
fbem-7719	2	34	,	,	PUNCT
fbem-7719	2	35	financial	financial	ADJ
fbem-7719	2	36	regulation	regulation	NOUN
fbem-7719	2	37	,	,	PUNCT
fbem-7719	2	38	financial	financial	ADJ
fbem-7719	2	39	consumer	consumer	NOUN
fbem-7719	2	40	literacy	literacy	NOUN
fbem-7719	2	41	and	and	CCONJ
fbem-7719	2	42	other	other	ADJ
fbem-7719	2	43	fields	field	NOUN
fbem-7719	2	44	,	,	PUNCT
fbem-7719	2	45	and	and	CCONJ
fbem-7719	2	46	finally	finally	ADV
fbem-7719	2	47	forms	form	VERB
fbem-7719	2	48	the	the	DET
fbem-7719	2	49	meaningful	meaningful	ADJ
fbem-7719	2	50	suggestions	suggestion	NOUN
fbem-7719	2	51	and	and	CCONJ
fbem-7719	2	52	measures	measure	NOUN
fbem-7719	2	53	for	for	SCONJ
fbem-7719	2	54	china	china	PROPN
fbem-7719	2	55	to	to	PART
fbem-7719	2	56	establish	establish	VERB
fbem-7719	2	57	a	a	DET
fbem-7719	2	58	fair	fair	ADJ
fbem-7719	2	59	,	,	PUNCT
fbem-7719	2	60	reasonable	reasonable	ADJ
fbem-7719	2	61	and	and	CCONJ
fbem-7719	2	62	effective	effective	ADJ
fbem-7719	2	63	financial	financial	ADJ
fbem-7719	2	64	consumer	consumer	NOUN
fbem-7719	2	65	protection	protection	NOUN
fbem-7719	2	66	system	system	NOUN
fbem-7719	2	67	.	.	PUNCT
fbem-7719	3	1	keywords	keyword	NOUN
fbem-7719	3	2	:	:	PUNCT
fbem-7719	3	3	financial	financial	ADJ
fbem-7719	3	4	consumer	consumer	NOUN
fbem-7719	3	5	rights	right	NOUN
fbem-7719	3	6	and	and	CCONJ
fbem-7719	3	7	interests	interest	NOUN
fbem-7719	3	8	,	,	PUNCT
fbem-7719	3	9	financial	financial	ADJ
fbem-7719	3	10	legislation	legislation	NOUN
fbem-7719	3	11	,	,	PUNCT
fbem-7719	3	12	financial	financial	ADJ
fbem-7719	3	13	regulation	regulation	NOUN
fbem-7719	3	14	,	,	PUNCT
fbem-7719	3	15	dispute	dispute	NOUN
fbem-7719	3	16	mediation	mediation	NOUN
fbem-7719	3	17	mechanism	mechanism	NOUN
fbem-7719	3	18	.	.	PUNCT
fbem-7719	4	1	1	1	X
fbem-7719	4	2	.	.	X
fbem-7719	4	3	introduction	introduction	NOUN
fbem-7719	4	4	after	after	ADP
fbem-7719	4	5	the	the	DET
fbem-7719	4	6	outbreak	outbreak	NOUN
fbem-7719	4	7	of	of	ADP
fbem-7719	4	8	the	the	DET
fbem-7719	4	9	global	global	ADJ
fbem-7719	4	10	financial	financial	ADJ
fbem-7719	4	11	crisis	crisis	NOUN
fbem-7719	4	12	in	in	ADP
fbem-7719	4	13	2008	2008	NUM
fbem-7719	4	14	,	,	PUNCT
fbem-7719	4	15	the	the	DET
fbem-7719	4	16	concept	concept	NOUN
fbem-7719	4	17	of	of	ADP
fbem-7719	4	18	protecting	protect	VERB
fbem-7719	4	19	the	the	DET
fbem-7719	4	20	rights	right	NOUN
fbem-7719	4	21	and	and	CCONJ
fbem-7719	4	22	interests	interest	NOUN
fbem-7719	4	23	of	of	ADP
fbem-7719	4	24	financial	financial	ADJ
fbem-7719	4	25	consumers	consumer	NOUN
fbem-7719	4	26	has	have	AUX
fbem-7719	4	27	attracted	attract	VERB
fbem-7719	4	28	wide	wide	ADJ
fbem-7719	4	29	attention	attention	NOUN
fbem-7719	4	30	from	from	ADP
fbem-7719	4	31	the	the	DET
fbem-7719	4	32	global	global	ADJ
fbem-7719	4	33	society	society	NOUN
fbem-7719	4	34	.	.	PUNCT
fbem-7719	5	1	major	major	ADJ
fbem-7719	5	2	international	international	ADJ
fbem-7719	5	3	economic	economic	ADJ
fbem-7719	5	4	organizations	organization	NOUN
fbem-7719	5	5	and	and	CCONJ
fbem-7719	5	6	financial	financial	ADJ
fbem-7719	5	7	regulatory	regulatory	ADJ
fbem-7719	5	8	authorities	authority	NOUN
fbem-7719	5	9	in	in	ADP
fbem-7719	5	10	some	some	DET
fbem-7719	5	11	developed	develop	VERB
fbem-7719	5	12	countries	country	NOUN
fbem-7719	5	13	have	have	AUX
fbem-7719	5	14	introduced	introduce	VERB
fbem-7719	5	15	a	a	DET
fbem-7719	5	16	series	series	NOUN
fbem-7719	5	17	of	of	ADP
fbem-7719	5	18	legal	legal	ADJ
fbem-7719	5	19	systems	system	NOUN
fbem-7719	5	20	and	and	CCONJ
fbem-7719	5	21	related	related	ADJ
fbem-7719	5	22	policies	policy	NOUN
fbem-7719	5	23	and	and	CCONJ
fbem-7719	5	24	measures	measure	NOUN
fbem-7719	5	25	to	to	PART
fbem-7719	5	26	effectively	effectively	ADV
fbem-7719	5	27	protect	protect	VERB
fbem-7719	5	28	the	the	DET
fbem-7719	5	29	vital	vital	ADJ
fbem-7719	5	30	interests	interest	NOUN
fbem-7719	5	31	of	of	ADP
fbem-7719	5	32	financial	financial	ADJ
fbem-7719	5	33	consumers	consumer	NOUN
fbem-7719	5	34	.	.	PUNCT
fbem-7719	6	1	the	the	DET
fbem-7719	6	2	protection	protection	NOUN
fbem-7719	6	3	of	of	ADP
fbem-7719	6	4	consumer	consumer	NOUN
fbem-7719	6	5	financial	financial	ADJ
fbem-7719	6	6	rights	right	NOUN
fbem-7719	6	7	and	and	CCONJ
fbem-7719	6	8	interests	interest	NOUN
fbem-7719	6	9	in	in	ADP
fbem-7719	6	10	china	china	PROPN
fbem-7719	6	11	is	be	AUX
fbem-7719	6	12	still	still	ADV
fbem-7719	6	13	in	in	ADP
fbem-7719	6	14	its	its	PRON
fbem-7719	6	15	infancy	infancy	NOUN
fbem-7719	6	16	.	.	PUNCT
fbem-7719	7	1	in	in	ADP
fbem-7719	7	2	practice	practice	NOUN
fbem-7719	7	3	,	,	PUNCT
fbem-7719	7	4	it	it	PRON
fbem-7719	7	5	has	have	AUX
fbem-7719	7	6	not	not	PART
fbem-7719	7	7	formed	form	VERB
fbem-7719	7	8	a	a	DET
fbem-7719	7	9	specialized	specialized	ADJ
fbem-7719	7	10	and	and	CCONJ
fbem-7719	7	11	perfect	perfect	ADJ
fbem-7719	7	12	financial	financial	ADJ
fbem-7719	7	13	legislation	legislation	NOUN
fbem-7719	7	14	system	system	NOUN
fbem-7719	7	15	,	,	PUNCT
fbem-7719	7	16	a	a	DET
fbem-7719	7	17	relatively	relatively	ADV
fbem-7719	7	18	sound	sound	ADJ
fbem-7719	7	19	and	and	CCONJ
fbem-7719	7	20	effective	effective	ADJ
fbem-7719	7	21	consumer	consumer	NOUN
fbem-7719	7	22	financial	financial	ADJ
fbem-7719	7	23	dispute	dispute	NOUN
fbem-7719	7	24	resolution	resolution	NOUN
fbem-7719	7	25	mechanism	mechanism	NOUN
fbem-7719	7	26	and	and	CCONJ
fbem-7719	7	27	legal	legal	ADJ
fbem-7719	7	28	supervision	supervision	NOUN
fbem-7719	7	29	system	system	NOUN
fbem-7719	7	30	,	,	PUNCT
fbem-7719	7	31	and	and	CCONJ
fbem-7719	7	32	has	have	AUX
fbem-7719	7	33	not	not	PART
fbem-7719	7	34	built	build	VERB
fbem-7719	7	35	a	a	DET
fbem-7719	7	36	systematic	systematic	ADJ
fbem-7719	7	37	theory	theory	NOUN
fbem-7719	7	38	suitable	suitable	ADJ
fbem-7719	7	39	for	for	ADP
fbem-7719	7	40	china	china	PROPN
fbem-7719	7	41	's	's	PART
fbem-7719	7	42	national	national	ADJ
fbem-7719	7	43	conditions	condition	NOUN
fbem-7719	7	44	.	.	PUNCT
fbem-7719	8	1	since	since	SCONJ
fbem-7719	8	2	the	the	DET
fbem-7719	8	3	outbreak	outbreak	NOUN
fbem-7719	8	4	of	of	ADP
fbem-7719	8	5	the	the	DET
fbem-7719	8	6	pandemic	pandemic	NOUN
fbem-7719	8	7	in	in	ADP
fbem-7719	8	8	2020	2020	NUM
fbem-7719	8	9	,	,	PUNCT
fbem-7719	8	10	it	it	PRON
fbem-7719	8	11	has	have	AUX
fbem-7719	8	12	had	have	VERB
fbem-7719	8	13	a	a	DET
fbem-7719	8	14	huge	huge	ADJ
fbem-7719	8	15	impact	impact	NOUN
fbem-7719	8	16	on	on	ADP
fbem-7719	8	17	both	both	CCONJ
fbem-7719	8	18	the	the	DET
fbem-7719	8	19	demand	demand	NOUN
fbem-7719	8	20	and	and	CCONJ
fbem-7719	8	21	supply	supply	NOUN
fbem-7719	8	22	of	of	ADP
fbem-7719	8	23	financial	financial	ADJ
fbem-7719	8	24	products	product	NOUN
fbem-7719	8	25	,	,	PUNCT
fbem-7719	8	26	and	and	CCONJ
fbem-7719	8	27	has	have	AUX
fbem-7719	8	28	had	have	VERB
fbem-7719	8	29	a	a	DET
fbem-7719	8	30	great	great	ADJ
fbem-7719	8	31	impact	impact	NOUN
fbem-7719	8	32	on	on	ADP
fbem-7719	8	33	financial	financial	ADJ
fbem-7719	8	34	consumers	consumer	NOUN
fbem-7719	8	35	around	around	ADP
fbem-7719	8	36	the	the	DET
fbem-7719	8	37	world	world	NOUN
fbem-7719	8	38	.	.	PUNCT
fbem-7719	9	1	in	in	ADP
fbem-7719	9	2	order	order	NOUN
fbem-7719	9	3	to	to	PART
fbem-7719	9	4	cope	cope	VERB
fbem-7719	9	5	with	with	ADP
fbem-7719	9	6	the	the	DET
fbem-7719	9	7	impact	impact	NOUN
fbem-7719	9	8	of	of	ADP
fbem-7719	9	9	external	external	ADJ
fbem-7719	9	10	environment	environment	NOUN
fbem-7719	9	11	,	,	PUNCT
fbem-7719	9	12	various	various	ADJ
fbem-7719	9	13	countries	country	NOUN
fbem-7719	9	14	have	have	AUX
fbem-7719	9	15	taken	take	VERB
fbem-7719	9	16	various	various	ADJ
fbem-7719	9	17	measures	measure	NOUN
fbem-7719	9	18	.	.	PUNCT
fbem-7719	10	1	among	among	ADP
fbem-7719	10	2	them	they	PRON
fbem-7719	10	3	,	,	PUNCT
fbem-7719	10	4	the	the	DET
fbem-7719	10	5	united	united	PROPN
fbem-7719	10	6	states	states	PROPN
fbem-7719	10	7	and	and	CCONJ
fbem-7719	10	8	japan	japan	PROPN
fbem-7719	10	9	have	have	AUX
fbem-7719	10	10	developed	develop	VERB
fbem-7719	10	11	economic	economic	ADJ
fbem-7719	10	12	and	and	CCONJ
fbem-7719	10	13	financial	financial	ADJ
fbem-7719	10	14	countries	country	NOUN
fbem-7719	10	15	,	,	PUNCT
fbem-7719	10	16	and	and	CCONJ
fbem-7719	10	17	there	there	PRON
fbem-7719	10	18	are	be	VERB
fbem-7719	10	19	many	many	ADJ
fbem-7719	10	20	innovative	innovative	ADJ
fbem-7719	10	21	measures	measure	NOUN
fbem-7719	10	22	in	in	ADP
fbem-7719	10	23	the	the	DET
fbem-7719	10	24	protection	protection	NOUN
fbem-7719	10	25	of	of	ADP
fbem-7719	10	26	financial	financial	ADJ
fbem-7719	10	27	consumer	consumer	NOUN
fbem-7719	10	28	rights	right	NOUN
fbem-7719	10	29	,	,	PUNCT
fbem-7719	10	30	which	which	PRON
fbem-7719	10	31	is	be	AUX
fbem-7719	10	32	worth	worth	ADJ
fbem-7719	10	33	learning	learn	VERB
fbem-7719	10	34	from	from	ADP
fbem-7719	10	35	our	our	PRON
fbem-7719	10	36	country	country	NOUN
fbem-7719	10	37	.	.	PUNCT
fbem-7719	11	1	2	2	X
fbem-7719	11	2	.	.	X
fbem-7719	11	3	current	current	ADJ
fbem-7719	11	4	situation	situation	NOUN
fbem-7719	11	5	of	of	ADP
fbem-7719	11	6	financial	financial	ADJ
fbem-7719	11	7	consumer	consumer	NOUN
fbem-7719	11	8	rights	right	NOUN
fbem-7719	11	9	protection	protection	NOUN
fbem-7719	11	10	in	in	ADP
fbem-7719	11	11	the	the	DET
fbem-7719	11	12	united	united	PROPN
fbem-7719	11	13	states	states	PROPN
fbem-7719	11	14	2.1	2.1	NUM
fbem-7719	11	15	.	.	PUNCT
fbem-7719	12	1	the	the	DET
fbem-7719	12	2	current	current	ADJ
fbem-7719	12	3	situation	situation	NOUN
fbem-7719	12	4	of	of	ADP
fbem-7719	12	5	financial	financial	ADJ
fbem-7719	12	6	consumer	consumer	NOUN
fbem-7719	12	7	rights	right	NOUN
fbem-7719	12	8	protection	protection	NOUN
fbem-7719	12	9	in	in	ADP
fbem-7719	12	10	the	the	DET
fbem-7719	12	11	united	united	PROPN
fbem-7719	12	12	states	states	PROPN
fbem-7719	12	13	2.1.1	2.1.1	NUM
fbem-7719	12	14	.	.	PUNCT
fbem-7719	13	1	the	the	DET
fbem-7719	13	2	current	current	ADJ
fbem-7719	13	3	situation	situation	NOUN
fbem-7719	13	4	of	of	ADP
fbem-7719	13	5	financial	financial	ADJ
fbem-7719	13	6	consumer	consumer	NOUN
fbem-7719	13	7	rights	right	NOUN
fbem-7719	13	8	protection	protection	NOUN
fbem-7719	13	9	in	in	ADP
fbem-7719	13	10	the	the	DET
fbem-7719	13	11	united	united	PROPN
fbem-7719	13	12	states	states	PROPN
fbem-7719	13	13	(	(	PUNCT
fbem-7719	13	14	1	1	X
fbem-7719	13	15	)	)	PUNCT
fbem-7719	13	16	legislative	legislative	ADJ
fbem-7719	13	17	protection	protection	NOUN
fbem-7719	13	18	a.	a.	NOUN
fbem-7719	13	19	the	the	DET
fbem-7719	13	20	legislation	legislation	NOUN
fbem-7719	13	21	standardizes	standardize	VERB
fbem-7719	13	22	the	the	DET
fbem-7719	13	23	information	information	NOUN
fbem-7719	13	24	disclosure	disclosure	NOUN
fbem-7719	13	25	behavior	behavior	NOUN
fbem-7719	13	26	of	of	ADP
fbem-7719	13	27	financial	financial	ADJ
fbem-7719	13	28	institutions	institution	NOUN
fbem-7719	13	29	,	,	PUNCT
fbem-7719	13	30	determines	determine	VERB
fbem-7719	13	31	the	the	DET
fbem-7719	13	32	informing	inform	VERB
fbem-7719	13	33	obligation	obligation	NOUN
fbem-7719	13	34	of	of	ADP
fbem-7719	13	35	banks	bank	NOUN
fbem-7719	13	36	,	,	PUNCT
fbem-7719	13	37	and	and	CCONJ
fbem-7719	13	38	guarantees	guarantee	VERB
fbem-7719	13	39	consumers	consumer	NOUN
fbem-7719	13	40	'	'	PART
fbem-7719	13	41	right	right	NOUN
fbem-7719	13	42	to	to	PART
fbem-7719	13	43	know	know	VERB
fbem-7719	13	44	.	.	PUNCT
fbem-7719	14	1	such	such	ADJ
fbem-7719	14	2	as	as	ADP
fbem-7719	14	3	the	the	DET
fbem-7719	14	4	consumer	consumer	NOUN
fbem-7719	14	5	credit	credit	NOUN
fbem-7719	14	6	protection	protection	PROPN
fbem-7719	14	7	act	act	NOUN
fbem-7719	14	8	of	of	ADP
fbem-7719	14	9	1968	1968	NUM
fbem-7719	14	10	.	.	PUNCT
fbem-7719	15	1	it	it	PRON
fbem-7719	15	2	was	be	AUX
fbem-7719	15	3	adopted	adopt	VERB
fbem-7719	15	4	to	to	PART
fbem-7719	15	5	regulate	regulate	VERB
fbem-7719	15	6	the	the	DET
fbem-7719	15	7	information	information	NOUN
fbem-7719	15	8	disclosure	disclosure	NOUN
fbem-7719	15	9	behavior	behavior	NOUN
fbem-7719	15	10	of	of	ADP
fbem-7719	15	11	financial	financial	ADJ
fbem-7719	15	12	institutions	institution	NOUN
fbem-7719	15	13	and	and	CCONJ
fbem-7719	15	14	the	the	DET
fbem-7719	15	15	informing	inform	VERB
fbem-7719	15	16	obligation	obligation	NOUN
fbem-7719	15	17	of	of	ADP
fbem-7719	15	18	banks	bank	NOUN
fbem-7719	15	19	,	,	PUNCT
fbem-7719	15	20	such	such	ADJ
fbem-7719	15	21	as	as	ADP
fbem-7719	15	22	the	the	DET
fbem-7719	15	23	lender	lender	NOUN
fbem-7719	15	24	should	should	AUX
fbem-7719	15	25	inform	inform	VERB
fbem-7719	15	26	the	the	DET
fbem-7719	15	27	borrower	borrower	NOUN
fbem-7719	15	28	of	of	ADP
fbem-7719	15	29	the	the	DET
fbem-7719	15	30	annual	annual	ADJ
fbem-7719	15	31	interest	interest	NOUN
fbem-7719	15	32	rate	rate	NOUN
fbem-7719	15	33	,	,	PUNCT
fbem-7719	15	34	financing	financing	NOUN
fbem-7719	15	35	charges	charge	NOUN
fbem-7719	15	36	,	,	PUNCT
fbem-7719	15	37	loan	loan	NOUN
fbem-7719	15	38	term	term	NOUN
fbem-7719	15	39	and	and	CCONJ
fbem-7719	15	40	so	so	ADV
fbem-7719	15	41	on	on	ADV
fbem-7719	15	42	.	.	PUNCT
fbem-7719	16	1	in	in	ADP
fbem-7719	16	2	order	order	NOUN
fbem-7719	16	3	to	to	PART
fbem-7719	16	4	ensure	ensure	VERB
fbem-7719	16	5	that	that	SCONJ
fbem-7719	16	6	consumers	consumer	NOUN
fbem-7719	16	7	'	'	PART
fbem-7719	16	8	right	right	NOUN
fbem-7719	16	9	to	to	PART
fbem-7719	16	10	know	know	VERB
fbem-7719	16	11	can	can	AUX
fbem-7719	16	12	be	be	AUX
fbem-7719	16	13	guaranteed	guarantee	VERB
fbem-7719	16	14	,	,	PUNCT
fbem-7719	16	15	the	the	DET
fbem-7719	16	16	us	us	PROPN
fbem-7719	16	17	congress	congress	PROPN
fbem-7719	16	18	passed	pass	VERB
fbem-7719	16	19	a	a	DET
fbem-7719	16	20	series	series	NOUN
fbem-7719	16	21	of	of	ADP
fbem-7719	16	22	laws	law	NOUN
fbem-7719	16	23	and	and	CCONJ
fbem-7719	16	24	regulations	regulation	NOUN
fbem-7719	16	25	in	in	ADP
fbem-7719	16	26	the	the	DET
fbem-7719	16	27	year	year	NOUN
fbem-7719	16	28	after	after	ADP
fbem-7719	16	29	the	the	DET
fbem-7719	16	30	consumer	consumer	NOUN
fbem-7719	16	31	credit	credit	NOUN
fbem-7719	16	32	protection	protection	PROPN
fbem-7719	16	33	act	act	PROPN
fbem-7719	16	34	,	,	PUNCT
fbem-7719	16	35	such	such	ADJ
fbem-7719	16	36	as	as	ADP
fbem-7719	16	37	the	the	DET
fbem-7719	16	38	electronic	electronic	ADJ
fbem-7719	16	39	funds	fund	NOUN
fbem-7719	16	40	transfer	transfer	NOUN
fbem-7719	16	41	act	act	NOUN
fbem-7719	16	42	and	and	CCONJ
fbem-7719	16	43	the	the	DET
fbem-7719	16	44	honest	honest	ADJ
fbem-7719	16	45	savings	saving	NOUN
fbem-7719	16	46	act	act	PROPN
fbem-7719	16	47	.	.	PUNCT
fbem-7719	17	1	b.	b.	VERB
fbem-7719	17	2	to	to	PART
fbem-7719	17	3	protect	protect	VERB
fbem-7719	17	4	consumers	consumer	NOUN
fbem-7719	17	5	'	'	PART
fbem-7719	17	6	right	right	NOUN
fbem-7719	17	7	to	to	ADP
fbem-7719	17	8	privacy	privacy	NOUN
fbem-7719	17	9	and	and	CCONJ
fbem-7719	17	10	safety	safety	NOUN
fbem-7719	17	11	.	.	PUNCT
fbem-7719	18	1	privacy	privacy	NOUN
fbem-7719	18	2	is	be	AUX
fbem-7719	18	3	highly	highly	ADV
fbem-7719	18	4	valued	value	VERB
fbem-7719	18	5	in	in	ADP
fbem-7719	18	6	the	the	DET
fbem-7719	18	7	united	united	PROPN
fbem-7719	18	8	states	states	PROPN
fbem-7719	18	9	,	,	PUNCT
fbem-7719	18	10	so	so	ADV
fbem-7719	18	11	american	american	ADJ
fbem-7719	18	12	financial	financial	ADJ
fbem-7719	18	13	institutions	institution	NOUN
fbem-7719	18	14	are	be	AUX
fbem-7719	18	15	cautious	cautious	ADJ
fbem-7719	18	16	about	about	ADP
fbem-7719	18	17	it	it	PRON
fbem-7719	18	18	.	.	PUNCT
fbem-7719	19	1	in	in	ADP
fbem-7719	19	2	addition	addition	NOUN
fbem-7719	19	3	,	,	PUNCT
fbem-7719	19	4	there	there	PRON
fbem-7719	19	5	are	be	VERB
fbem-7719	19	6	many	many	ADJ
fbem-7719	19	7	consumer	consumer	NOUN
fbem-7719	19	8	privacy	privacy	NOUN
fbem-7719	19	9	laws	law	NOUN
fbem-7719	19	10	in	in	ADP
fbem-7719	19	11	the	the	DET
fbem-7719	19	12	united	united	PROPN
fbem-7719	19	13	states	states	PROPN
fbem-7719	19	14	,	,	PUNCT
fbem-7719	19	15	such	such	ADJ
fbem-7719	19	16	as	as	ADP
fbem-7719	19	17	the	the	DET
fbem-7719	19	18	privacy	privacy	NOUN
fbem-7719	19	19	act	act	NOUN
fbem-7719	19	20	and	and	CCONJ
fbem-7719	19	21	ecpa	ecpa	PROPN
fbem-7719	19	22	,	,	PUNCT
fbem-7719	19	23	which	which	PRON
fbem-7719	19	24	regulate	regulate	VERB
fbem-7719	19	25	the	the	DET
fbem-7719	19	26	scope	scope	NOUN
fbem-7719	19	27	of	of	ADP
fbem-7719	19	28	information	information	NOUN
fbem-7719	19	29	that	that	PRON
fbem-7719	19	30	banks	bank	NOUN
fbem-7719	19	31	can	can	AUX
fbem-7719	19	32	collect	collect	VERB
fbem-7719	19	33	from	from	ADP
fbem-7719	19	34	users	user	NOUN
fbem-7719	19	35	and	and	CCONJ
fbem-7719	19	36	the	the	DET
fbem-7719	19	37	scope	scope	NOUN
fbem-7719	19	38	of	of	ADP
fbem-7719	19	39	liability	liability	NOUN
fbem-7719	19	40	in	in	ADP
fbem-7719	19	41	case	case	NOUN
fbem-7719	19	42	of	of	ADP
fbem-7719	19	43	disputes	dispute	NOUN
fbem-7719	19	44	.	.	PUNCT
fbem-7719	20	1	c.	c.	PROPN
fbem-7719	20	2	safeguard	safeguard	PROPN
fbem-7719	20	3	consumers	consumer	NOUN
fbem-7719	20	4	'	'	PART
fbem-7719	20	5	right	right	NOUN
fbem-7719	20	6	to	to	ADP
fbem-7719	20	7	fair	fair	ADJ
fbem-7719	20	8	trade	trade	NOUN
fbem-7719	21	1	.	.	PUNCT
fbem-7719	22	1	according	accord	VERB
fbem-7719	22	2	to	to	ADP
fbem-7719	22	3	the	the	DET
fbem-7719	22	4	u.s	u.s	PROPN
fbem-7719	22	5	.	.	PROPN
fbem-7719	22	6	consumer	consumer	NOUN
fbem-7719	22	7	credit	credit	NOUN
fbem-7719	22	8	protection	protection	PROPN
fbem-7719	22	9	act	act	PROPN
fbem-7719	22	10	,	,	PUNCT
fbem-7719	22	11	banks	bank	NOUN
fbem-7719	22	12	must	must	AUX
fbem-7719	22	13	not	not	PART
fbem-7719	22	14	discriminate	discriminate	VERB
fbem-7719	22	15	on	on	ADP
fbem-7719	22	16	the	the	DET
fbem-7719	22	17	basis	basis	NOUN
fbem-7719	22	18	of	of	ADP
fbem-7719	22	19	age	age	NOUN
fbem-7719	22	20	,	,	PUNCT
fbem-7719	22	21	sex	sex	NOUN
fbem-7719	22	22	or	or	CCONJ
fbem-7719	22	23	marriage	marriage	NOUN
fbem-7719	22	24	when	when	SCONJ
fbem-7719	22	25	approving	approve	VERB
fbem-7719	22	26	consumer	consumer	NOUN
fbem-7719	22	27	loan	loan	NOUN
fbem-7719	22	28	applications	application	NOUN
fbem-7719	22	29	.	.	PUNCT
fbem-7719	23	1	(	(	PUNCT
fbem-7719	23	2	2	2	X
fbem-7719	23	3	)	)	PUNCT
fbem-7719	23	4	dispute	dispute	NOUN
fbem-7719	23	5	resolution	resolution	NOUN
fbem-7719	23	6	mechanism	mechanism	NOUN
fbem-7719	23	7	in	in	ADP
fbem-7719	23	8	the	the	DET
fbem-7719	23	9	united	united	PROPN
fbem-7719	23	10	states	states	PROPN
fbem-7719	23	11	,	,	PUNCT
fbem-7719	23	12	the	the	DET
fbem-7719	23	13	resolution	resolution	NOUN
fbem-7719	23	14	mechanism	mechanism	NOUN
fbem-7719	23	15	is	be	AUX
fbem-7719	23	16	generally	generally	ADV
fbem-7719	23	17	made	make	VERB
fbem-7719	23	18	up	up	ADP
fbem-7719	23	19	of	of	ADP
fbem-7719	23	20	banks	bank	NOUN
fbem-7719	23	21	,	,	PUNCT
fbem-7719	23	22	federal	federal	PROPN
fbem-7719	23	23	reserve	reserve	PROPN
fbem-7719	23	24	board	board	PROPN
fbem-7719	23	25	,	,	PUNCT
fbem-7719	23	26	monetary	monetary	ADJ
fbem-7719	23	27	administration	administration	NOUN
fbem-7719	23	28	,	,	PUNCT
fbem-7719	23	29	federal	federal	ADJ
fbem-7719	23	30	deposit	deposit	NOUN
fbem-7719	23	31	insurance	insurance	NOUN
fbem-7719	23	32	corporation	corporation	NOUN
fbem-7719	23	33	and	and	CCONJ
fbem-7719	23	34	other	other	ADJ
fbem-7719	23	35	regulatory	regulatory	ADJ
fbem-7719	23	36	agencies	agency	NOUN
fbem-7719	23	37	.	.	PUNCT
fbem-7719	24	1	the	the	DET
fbem-7719	24	2	regulatory	regulatory	ADJ
fbem-7719	24	3	agencies	agency	NOUN
fbem-7719	24	4	are	be	AUX
fbem-7719	24	5	mainly	mainly	ADV
fbem-7719	24	6	responsible	responsible	ADJ
fbem-7719	24	7	for	for	ADP
fbem-7719	24	8	the	the	DET
fbem-7719	24	9	disputes	dispute	NOUN
fbem-7719	24	10	that	that	PRON
fbem-7719	24	11	banks	bank	NOUN
fbem-7719	24	12	can	can	AUX
fbem-7719	24	13	not	not	PART
fbem-7719	24	14	solve	solve	VERB
fbem-7719	24	15	by	by	ADP
fbem-7719	24	16	themselves	themselves	PRON
fbem-7719	24	17	and	and	CCONJ
fbem-7719	24	18	safeguard	safeguard	VERB
fbem-7719	24	19	the	the	DET
fbem-7719	24	20	rights	right	NOUN
fbem-7719	24	21	and	and	CCONJ
fbem-7719	24	22	interests	interest	NOUN
fbem-7719	24	23	of	of	ADP
fbem-7719	24	24	financial	financial	ADJ
fbem-7719	24	25	consumers	consumer	NOUN
fbem-7719	24	26	.	.	PUNCT
fbem-7719	25	1	a.	a.	PROPN
fbem-7719	25	2	federal	federal	PROPN
fbem-7719	25	3	reserve	reserve	PROPN
fbem-7719	25	4	board	board	PROPN
fbem-7719	25	5	.	.	PUNCT
fbem-7719	26	1	its	its	PRON
fbem-7719	26	2	main	main	ADJ
fbem-7719	26	3	responsibility	responsibility	NOUN
fbem-7719	26	4	is	be	AUX
fbem-7719	26	5	to	to	PART
fbem-7719	26	6	supervise	supervise	VERB
fbem-7719	26	7	banking	banking	NOUN
fbem-7719	26	8	institutions	institution	NOUN
fbem-7719	26	9	and	and	CCONJ
fbem-7719	26	10	ensure	ensure	VERB
fbem-7719	26	11	the	the	DET
fbem-7719	26	12	legal	legal	ADJ
fbem-7719	26	13	credit	credit	NOUN
fbem-7719	26	14	rights	right	NOUN
fbem-7719	26	15	of	of	ADP
fbem-7719	26	16	consumers	consumer	NOUN
fbem-7719	26	17	;	;	PUNCT
fbem-7719	26	18	to	to	PART
fbem-7719	26	19	maintain	maintain	VERB
fbem-7719	26	20	the	the	DET
fbem-7719	26	21	stable	stable	ADJ
fbem-7719	26	22	functioning	functioning	NOUN
fbem-7719	26	23	of	of	ADP
fbem-7719	26	24	the	the	DET
fbem-7719	26	25	central	central	ADJ
fbem-7719	26	26	bank	bank	NOUN
fbem-7719	26	27	and	and	CCONJ
fbem-7719	26	28	its	its	PRON
fbem-7719	26	29	financial	financial	ADJ
fbem-7719	26	30	markets	market	NOUN
fbem-7719	26	31	.	.	PUNCT
fbem-7719	27	1	b.	b.	PROPN
fbem-7719	27	2	monetary	monetary	PROPN
fbem-7719	27	3	supervision	supervision	PROPN
fbem-7719	27	4	agency	agency	NOUN
fbem-7719	27	5	.	.	PUNCT
fbem-7719	28	1	it	it	PRON
fbem-7719	28	2	is	be	AUX
fbem-7719	28	3	mainly	mainly	ADV
fbem-7719	28	4	responsible	responsible	ADJ
fbem-7719	28	5	for	for	ADP
fbem-7719	28	6	examining	examine	VERB
fbem-7719	28	7	and	and	CCONJ
fbem-7719	28	8	verifying	verify	VERB
fbem-7719	28	9	the	the	DET
fbem-7719	28	10	applications	application	NOUN
fbem-7719	28	11	of	of	ADP
fbem-7719	28	12	federal	federal	ADJ
fbem-7719	28	13	banks	bank	NOUN
fbem-7719	28	14	for	for	ADP
fbem-7719	28	15	opening	open	VERB
fbem-7719	28	16	branches	branch	NOUN
fbem-7719	28	17	or	or	CCONJ
fbem-7719	28	18	mergers	merger	NOUN
fbem-7719	28	19	,	,	PUNCT
fbem-7719	28	20	conducting	conduct	VERB
fbem-7719	28	21	inspections	inspection	NOUN
fbem-7719	28	22	according	accord	VERB
fbem-7719	28	23	to	to	ADP
fbem-7719	28	24	banking	banking	NOUN
fbem-7719	28	25	regulations	regulation	NOUN
fbem-7719	28	26	,	,	PUNCT
fbem-7719	28	27	and	and	CCONJ
fbem-7719	28	28	having	have	VERB
fbem-7719	28	29	the	the	DET
fbem-7719	28	30	power	power	NOUN
fbem-7719	28	31	to	to	PART
fbem-7719	28	32	issue	issue	VERB
fbem-7719	28	33	suspension	suspension	NOUN
fbem-7719	28	34	notices	notice	NOUN
fbem-7719	28	35	and	and	CCONJ
fbem-7719	28	36	revoke	revoke	VERB
fbem-7719	28	37	business	business	NOUN
fbem-7719	28	38	licenses	license	NOUN
fbem-7719	28	39	to	to	ADP
fbem-7719	28	40	banking	banking	NOUN
fbem-7719	28	41	institutions	institution	NOUN
fbem-7719	28	42	in	in	ADP
fbem-7719	28	43	violation	violation	NOUN
fbem-7719	28	44	of	of	ADP
fbem-7719	28	45	regulations	regulation	NOUN
fbem-7719	28	46	.	.	PUNCT
fbem-7719	29	1	c.	c.	PROPN
fbem-7719	29	2	federal	federal	PROPN
fbem-7719	29	3	deposit	deposit	PROPN
fbem-7719	29	4	insurance	insurance	NOUN
fbem-7719	29	5	corporation	corporation	NOUN
fbem-7719	29	6	.	.	PUNCT
fbem-7719	30	1	supervises	supervise	VERB
fbem-7719	30	2	nonmember	nonmember	PROPN
fbem-7719	30	3	banks	bank	NOUN
fbem-7719	30	4	and	and	CCONJ
fbem-7719	30	5	fdic	fdic	ADJ
fbem-7719	30	6	-	-	PUNCT
fbem-7719	30	7	insured	insure	VERB
fbem-7719	30	8	subsidiaries	subsidiary	NOUN
fbem-7719	30	9	of	of	ADP
fbem-7719	30	10	foreign	foreign	ADJ
fbem-7719	30	11	banks	bank	NOUN
fbem-7719	30	12	outside	outside	ADP
fbem-7719	30	13	the	the	DET
fbem-7719	30	14	federal	federal	PROPN
fbem-7719	30	15	reserve	reserve	PROPN
fbem-7719	30	16	system	system	NOUN
fbem-7719	30	17	,	,	PUNCT
fbem-7719	30	18	and	and	CCONJ
fbem-7719	30	19	fulfills	fulfill	VERB
fbem-7719	30	20	bank	bank	PROPN
fbem-7719	30	21	50	50	NUM
fbem-7719	30	22	supervision	supervision	NOUN
fbem-7719	30	23	and	and	CCONJ
fbem-7719	30	24	deposit	deposit	NOUN
fbem-7719	30	25	insurance	insurance	NOUN
fbem-7719	30	26	responsibilities	responsibility	NOUN
fbem-7719	30	27	.	.	PUNCT
fbem-7719	31	1	these	these	DET
fbem-7719	31	2	approaches	approach	NOUN
fbem-7719	31	3	usually	usually	ADV
fbem-7719	31	4	resolve	resolve	VERB
fbem-7719	31	5	most	most	ADJ
fbem-7719	31	6	of	of	ADP
fbem-7719	31	7	the	the	DET
fbem-7719	31	8	disputes	dispute	NOUN
fbem-7719	31	9	,	,	PUNCT
fbem-7719	31	10	but	but	CCONJ
fbem-7719	31	11	if	if	SCONJ
fbem-7719	31	12	there	there	PRON
fbem-7719	31	13	are	be	VERB
fbem-7719	31	14	still	still	ADV
fbem-7719	31	15	some	some	DET
fbem-7719	31	16	disputes	dispute	NOUN
fbem-7719	31	17	that	that	PRON
fbem-7719	31	18	can	can	AUX
fbem-7719	31	19	not	not	PART
fbem-7719	31	20	be	be	AUX
fbem-7719	31	21	resolved	resolve	VERB
fbem-7719	31	22	through	through	ADP
fbem-7719	31	23	the	the	DET
fbem-7719	31	24	regulatory	regulatory	ADJ
fbem-7719	31	25	agency	agency	NOUN
fbem-7719	31	26	,	,	PUNCT
fbem-7719	31	27	financial	financial	ADJ
fbem-7719	31	28	consumers	consumer	NOUN
fbem-7719	31	29	have	have	VERB
fbem-7719	31	30	the	the	DET
fbem-7719	31	31	option	option	NOUN
fbem-7719	31	32	of	of	ADP
fbem-7719	31	33	legal	legal	ADJ
fbem-7719	31	34	recourse	recourse	NOUN
fbem-7719	31	35	to	to	PART
fbem-7719	31	36	protect	protect	VERB
fbem-7719	31	37	their	their	PRON
fbem-7719	31	38	rights	right	NOUN
fbem-7719	31	39	and	and	CCONJ
fbem-7719	31	40	interests	interest	NOUN
fbem-7719	31	41	.	.	PUNCT
fbem-7719	32	1	such	such	ADJ
fbem-7719	32	2	as	as	ADP
fbem-7719	32	3	consumer	consumer	NOUN
fbem-7719	32	4	small	small	ADJ
fbem-7719	32	5	claims	claim	NOUN
fbem-7719	32	6	and	and	CCONJ
fbem-7719	32	7	class	class	NOUN
fbem-7719	32	8	actions	action	NOUN
fbem-7719	32	9	.	.	PUNCT
fbem-7719	33	1	2.1.2	2.1.2	X
fbem-7719	33	2	.	.	NOUN
fbem-7719	33	3	problems	problem	NOUN
fbem-7719	33	4	in	in	ADP
fbem-7719	33	5	the	the	DET
fbem-7719	33	6	protection	protection	NOUN
fbem-7719	33	7	of	of	ADP
fbem-7719	33	8	financial	financial	ADJ
fbem-7719	33	9	consumer	consumer	NOUN
fbem-7719	33	10	rights	right	NOUN
fbem-7719	33	11	and	and	CCONJ
fbem-7719	33	12	interests	interest	NOUN
fbem-7719	33	13	in	in	ADP
fbem-7719	33	14	the	the	DET
fbem-7719	33	15	united	united	PROPN
fbem-7719	33	16	states	states	PROPN
fbem-7719	33	17	(	(	PUNCT
fbem-7719	33	18	1	1	NUM
fbem-7719	33	19	)	)	PUNCT
fbem-7719	33	20	lack	lack	NOUN
fbem-7719	33	21	of	of	ADP
fbem-7719	33	22	regulation	regulation	NOUN
fbem-7719	33	23	and	and	CCONJ
fbem-7719	33	24	uncoordinated	uncoordinated	ADJ
fbem-7719	33	25	regulatory	regulatory	ADJ
fbem-7719	33	26	objectives	objective	NOUN
fbem-7719	33	27	the	the	DET
fbem-7719	33	28	rapid	rapid	ADJ
fbem-7719	33	29	development	development	NOUN
fbem-7719	33	30	of	of	ADP
fbem-7719	33	31	the	the	DET
fbem-7719	33	32	financial	financial	ADJ
fbem-7719	33	33	market	market	NOUN
fbem-7719	33	34	and	and	CCONJ
fbem-7719	33	35	the	the	DET
fbem-7719	33	36	rapid	rapid	ADJ
fbem-7719	33	37	upgrading	upgrading	NOUN
fbem-7719	33	38	of	of	ADP
fbem-7719	33	39	financial	financial	ADJ
fbem-7719	33	40	products	product	NOUN
fbem-7719	33	41	emerge	emerge	VERB
fbem-7719	33	42	in	in	ADP
fbem-7719	33	43	an	an	DET
fbem-7719	33	44	endless	endless	ADJ
fbem-7719	33	45	stream	stream	NOUN
fbem-7719	33	46	.	.	PUNCT
fbem-7719	34	1	regulators	regulator	NOUN
fbem-7719	34	2	have	have	AUX
fbem-7719	34	3	not	not	PART
fbem-7719	34	4	been	be	AUX
fbem-7719	34	5	able	able	ADJ
fbem-7719	34	6	to	to	PART
fbem-7719	34	7	keep	keep	VERB
fbem-7719	34	8	up	up	ADP
fbem-7719	34	9	with	with	ADP
fbem-7719	34	10	the	the	DET
fbem-7719	34	11	pace	pace	NOUN
fbem-7719	34	12	of	of	ADP
fbem-7719	34	13	the	the	DET
fbem-7719	34	14	financial	financial	ADJ
fbem-7719	34	15	market	market	NOUN
fbem-7719	34	16	,	,	PUNCT
fbem-7719	34	17	so	so	SCONJ
fbem-7719	34	18	that	that	SCONJ
fbem-7719	34	19	there	there	PRON
fbem-7719	34	20	are	be	VERB
fbem-7719	34	21	many	many	ADJ
fbem-7719	34	22	financial	financial	ADJ
fbem-7719	34	23	institutions	institution	NOUN
fbem-7719	34	24	have	have	AUX
fbem-7719	34	25	not	not	PART
fbem-7719	34	26	been	be	AUX
fbem-7719	34	27	able	able	ADJ
fbem-7719	34	28	to	to	PART
fbem-7719	34	29	regulate	regulate	VERB
fbem-7719	34	30	,	,	PUNCT
fbem-7719	34	31	the	the	DET
fbem-7719	34	32	rights	right	NOUN
fbem-7719	34	33	of	of	ADP
fbem-7719	34	34	consumers	consumer	NOUN
fbem-7719	34	35	naturally	naturally	ADV
fbem-7719	34	36	difficult	difficult	ADJ
fbem-7719	34	37	to	to	PART
fbem-7719	34	38	protect	protect	VERB
fbem-7719	34	39	.	.	PUNCT
fbem-7719	35	1	(	(	PUNCT
fbem-7719	35	2	2	2	X
fbem-7719	35	3	)	)	PUNCT
fbem-7719	35	4	the	the	DET
fbem-7719	35	5	legislation	legislation	NOUN
fbem-7719	35	6	increases	increase	VERB
fbem-7719	35	7	costs	cost	NOUN
fbem-7719	35	8	for	for	ADP
fbem-7719	35	9	financial	financial	ADJ
fbem-7719	35	10	institutions	institution	NOUN
fbem-7719	35	11	the	the	DET
fbem-7719	35	12	increase	increase	NOUN
fbem-7719	35	13	in	in	ADP
fbem-7719	35	14	cost	cost	NOUN
fbem-7719	35	15	inhibits	inhibit	VERB
fbem-7719	35	16	the	the	DET
fbem-7719	35	17	development	development	NOUN
fbem-7719	35	18	and	and	CCONJ
fbem-7719	35	19	innovation	innovation	NOUN
fbem-7719	35	20	of	of	ADP
fbem-7719	35	21	finance	finance	NOUN
fbem-7719	35	22	,	,	PUNCT
fbem-7719	35	23	and	and	CCONJ
fbem-7719	35	24	financial	financial	ADJ
fbem-7719	35	25	institutions	institution	NOUN
fbem-7719	35	26	may	may	AUX
fbem-7719	35	27	transfer	transfer	VERB
fbem-7719	35	28	the	the	DET
fbem-7719	35	29	increase	increase	NOUN
fbem-7719	35	30	in	in	ADP
fbem-7719	35	31	cost	cost	NOUN
fbem-7719	35	32	to	to	ADP
fbem-7719	35	33	consumers	consumer	NOUN
fbem-7719	35	34	in	in	ADP
fbem-7719	35	35	a	a	DET
fbem-7719	35	36	disguised	disguised	ADJ
fbem-7719	35	37	way	way	NOUN
fbem-7719	35	38	,	,	PUNCT
fbem-7719	35	39	resulting	result	VERB
fbem-7719	35	40	in	in	ADP
fbem-7719	35	41	higher	high	ADJ
fbem-7719	35	42	costs	cost	NOUN
fbem-7719	35	43	for	for	ADP
fbem-7719	35	44	consumers	consumer	NOUN
fbem-7719	35	45	.	.	PUNCT
fbem-7719	36	1	(	(	PUNCT
fbem-7719	36	2	3	3	X
fbem-7719	36	3	)	)	PUNCT
fbem-7719	36	4	information	information	NOUN
fbem-7719	36	5	asymmetry	asymmetry	NOUN
fbem-7719	36	6	and	and	CCONJ
fbem-7719	36	7	imperfect	imperfect	ADJ
fbem-7719	36	8	rationality	rationality	NOUN
fbem-7719	36	9	of	of	ADP
fbem-7719	36	10	consumers	consumer	NOUN
fbem-7719	36	11	are	be	AUX
fbem-7719	36	12	difficult	difficult	ADJ
fbem-7719	36	13	to	to	PART
fbem-7719	36	14	solve	solve	VERB
fbem-7719	36	15	effectively	effectively	ADV
fbem-7719	36	16	almost	almost	ADV
fbem-7719	36	17	all	all	PRON
fbem-7719	36	18	consumers	consumer	NOUN
fbem-7719	36	19	in	in	ADP
fbem-7719	36	20	real	real	ADJ
fbem-7719	36	21	life	life	NOUN
fbem-7719	36	22	are	be	AUX
fbem-7719	36	23	not	not	PART
fbem-7719	36	24	completely	completely	ADV
fbem-7719	36	25	rational	rational	ADJ
fbem-7719	36	26	,	,	PUNCT
fbem-7719	36	27	which	which	PRON
fbem-7719	36	28	does	do	AUX
fbem-7719	36	29	not	not	PART
fbem-7719	36	30	match	match	VERB
fbem-7719	36	31	the	the	DET
fbem-7719	36	32	model	model	NOUN
fbem-7719	36	33	of	of	ADP
fbem-7719	36	34	many	many	ADJ
fbem-7719	36	35	relevant	relevant	ADJ
fbem-7719	36	36	theories	theory	NOUN
fbem-7719	36	37	.	.	PUNCT
fbem-7719	37	1	moreover	moreover	ADV
fbem-7719	37	2	,	,	PUNCT
fbem-7719	37	3	the	the	DET
fbem-7719	37	4	laws	law	NOUN
fbem-7719	37	5	related	relate	VERB
fbem-7719	37	6	to	to	ADP
fbem-7719	37	7	the	the	DET
fbem-7719	37	8	protection	protection	NOUN
fbem-7719	37	9	of	of	ADP
fbem-7719	37	10	financial	financial	ADJ
fbem-7719	37	11	consumers	consumer	NOUN
fbem-7719	37	12	'	'	PART
fbem-7719	37	13	rights	right	NOUN
fbem-7719	37	14	and	and	CCONJ
fbem-7719	37	15	interests	interest	NOUN
fbem-7719	37	16	are	be	AUX
fbem-7719	37	17	made	make	VERB
fbem-7719	37	18	by	by	ADP
fbem-7719	37	19	decision	decision	NOUN
fbem-7719	37	20	makers	maker	NOUN
fbem-7719	37	21	,	,	PUNCT
fbem-7719	37	22	whose	whose	DET
fbem-7719	37	23	decisions	decision	NOUN
fbem-7719	37	24	can	can	AUX
fbem-7719	37	25	not	not	PART
fbem-7719	37	26	perfectly	perfectly	ADV
fbem-7719	37	27	replace	replace	VERB
fbem-7719	37	28	those	those	PRON
fbem-7719	37	29	of	of	ADP
fbem-7719	37	30	consumers	consumer	NOUN
fbem-7719	37	31	.	.	PUNCT
fbem-7719	38	1	consumers	consumer	NOUN
fbem-7719	38	2	have	have	VERB
fbem-7719	38	3	less	less	ADJ
fbem-7719	38	4	information	information	NOUN
fbem-7719	38	5	,	,	PUNCT
fbem-7719	38	6	and	and	CCONJ
fbem-7719	38	7	their	their	PRON
fbem-7719	38	8	decisions	decision	NOUN
fbem-7719	38	9	are	be	AUX
fbem-7719	38	10	mostly	mostly	ADV
fbem-7719	38	11	better	well	ADJ
fbem-7719	38	12	than	than	ADP
fbem-7719	38	13	those	those	PRON
fbem-7719	38	14	of	of	ADP
fbem-7719	38	15	ordinary	ordinary	ADJ
fbem-7719	38	16	consumers	consumer	NOUN
fbem-7719	38	17	.	.	PUNCT
fbem-7719	39	1	however	however	ADV
fbem-7719	39	2	,	,	PUNCT
fbem-7719	39	3	this	this	DET
fbem-7719	39	4	problem	problem	NOUN
fbem-7719	39	5	is	be	AUX
fbem-7719	39	6	difficult	difficult	ADJ
fbem-7719	39	7	to	to	PART
fbem-7719	39	8	be	be	AUX
fbem-7719	39	9	effectively	effectively	ADV
fbem-7719	39	10	and	and	CCONJ
fbem-7719	39	11	thoroughly	thoroughly	ADV
fbem-7719	39	12	solved	solve	VERB
fbem-7719	39	13	in	in	ADP
fbem-7719	39	14	real	real	ADJ
fbem-7719	39	15	life	life	NOUN
fbem-7719	39	16	.	.	PUNCT
fbem-7719	40	1	2.2	2.2	NUM
fbem-7719	40	2	.	.	PUNCT
fbem-7719	41	1	the	the	DET
fbem-7719	41	2	practice	practice	NOUN
fbem-7719	41	3	of	of	ADP
fbem-7719	41	4	financial	financial	ADJ
fbem-7719	41	5	consumer	consumer	NOUN
fbem-7719	41	6	rights	right	NOUN
fbem-7719	41	7	protection	protection	NOUN
fbem-7719	41	8	in	in	ADP
fbem-7719	41	9	the	the	DET
fbem-7719	41	10	united	united	PROPN
fbem-7719	41	11	states	states	PROPN
fbem-7719	41	12	2.2.1	2.2.1	NUM
fbem-7719	41	13	.	.	PUNCT
fbem-7719	42	1	mortgage	mortgage	NOUN
fbem-7719	42	2	(	(	PUNCT
fbem-7719	42	3	1	1	NUM
fbem-7719	42	4	)	)	PUNCT
fbem-7719	42	5	fair	fair	ADJ
fbem-7719	42	6	lending	lending	NOUN
fbem-7719	42	7	laws	law	NOUN
fbem-7719	42	8	,	,	PUNCT
fbem-7719	42	9	such	such	ADJ
fbem-7719	42	10	as	as	ADP
fbem-7719	42	11	the	the	DET
fbem-7719	42	12	equal	equal	ADJ
fbem-7719	42	13	credit	credit	NOUN
fbem-7719	42	14	opportunity	opportunity	NOUN
fbem-7719	42	15	act	act	NOUN
fbem-7719	42	16	and	and	CCONJ
fbem-7719	42	17	the	the	DET
fbem-7719	42	18	fair	fair	ADJ
fbem-7719	42	19	housing	housing	NOUN
fbem-7719	42	20	act	act	NOUN
fbem-7719	42	21	in	in	ADP
fbem-7719	42	22	the	the	DET
fbem-7719	42	23	united	united	PROPN
fbem-7719	42	24	states	states	PROPN
fbem-7719	42	25	,	,	PUNCT
fbem-7719	42	26	do	do	AUX
fbem-7719	42	27	not	not	PART
fbem-7719	42	28	allow	allow	VERB
fbem-7719	42	29	banks	bank	NOUN
fbem-7719	42	30	to	to	PART
fbem-7719	42	31	discriminate	discriminate	VERB
fbem-7719	42	32	against	against	ADP
fbem-7719	42	33	loan	loan	NOUN
fbem-7719	42	34	applicants	applicant	NOUN
fbem-7719	42	35	based	base	VERB
fbem-7719	42	36	on	on	ADP
fbem-7719	42	37	gender	gender	NOUN
fbem-7719	42	38	,	,	PUNCT
fbem-7719	42	39	age	age	NOUN
fbem-7719	42	40	,	,	PUNCT
fbem-7719	42	41	marriage	marriage	NOUN
fbem-7719	42	42	or	or	CCONJ
fbem-7719	42	43	other	other	ADJ
fbem-7719	42	44	reasons	reason	NOUN
fbem-7719	42	45	.	.	PUNCT
fbem-7719	43	1	(	(	PUNCT
fbem-7719	43	2	2	2	X
fbem-7719	43	3	)	)	PUNCT
fbem-7719	43	4	the	the	DET
fbem-7719	43	5	cfpb	cfpb	NOUN
fbem-7719	43	6	requires	require	VERB
fbem-7719	43	7	financial	financial	ADJ
fbem-7719	43	8	institutions	institution	NOUN
fbem-7719	43	9	to	to	PART
fbem-7719	43	10	comply	comply	VERB
fbem-7719	43	11	with	with	ADP
fbem-7719	43	12	mortgage	mortgage	NOUN
fbem-7719	43	13	disclosure	disclosure	NOUN
fbem-7719	43	14	rules	rule	NOUN
fbem-7719	43	15	to	to	PART
fbem-7719	43	16	ensure	ensure	VERB
fbem-7719	43	17	borrowers	borrower	NOUN
fbem-7719	43	18	'	'	PART
fbem-7719	43	19	right	right	NOUN
fbem-7719	43	20	to	to	PART
fbem-7719	43	21	know	know	VERB
fbem-7719	43	22	and	and	CCONJ
fbem-7719	43	23	prevent	prevent	VERB
fbem-7719	43	24	disputes	dispute	NOUN
fbem-7719	43	25	arising	arise	VERB
fbem-7719	43	26	from	from	ADP
fbem-7719	43	27	asymmetric	asymmetric	ADJ
fbem-7719	43	28	information	information	NOUN
fbem-7719	43	29	.	.	PUNCT
fbem-7719	44	1	(	(	PUNCT
fbem-7719	44	2	3	3	X
fbem-7719	44	3	)	)	PUNCT
fbem-7719	44	4	in	in	ADP
fbem-7719	44	5	order	order	NOUN
fbem-7719	44	6	to	to	PART
fbem-7719	44	7	reduce	reduce	VERB
fbem-7719	44	8	the	the	DET
fbem-7719	44	9	risk	risk	NOUN
fbem-7719	44	10	to	to	ADP
fbem-7719	44	11	borrowers	borrower	NOUN
fbem-7719	44	12	,	,	PUNCT
fbem-7719	44	13	the	the	DET
fbem-7719	44	14	united	united	PROPN
fbem-7719	44	15	states	states	PROPN
fbem-7719	44	16	has	have	AUX
fbem-7719	44	17	enacted	enact	VERB
fbem-7719	44	18	some	some	DET
fbem-7719	44	19	relevant	relevant	ADJ
fbem-7719	44	20	laws	law	NOUN
fbem-7719	44	21	to	to	PART
fbem-7719	44	22	ensure	ensure	VERB
fbem-7719	44	23	that	that	SCONJ
fbem-7719	44	24	the	the	DET
fbem-7719	44	25	goal	goal	NOUN
fbem-7719	44	26	is	be	AUX
fbem-7719	44	27	achieved	achieve	VERB
fbem-7719	44	28	,	,	PUNCT
fbem-7719	44	29	such	such	ADJ
fbem-7719	44	30	as	as	ADP
fbem-7719	44	31	restricting	restrict	VERB
fbem-7719	44	32	lenders	lender	NOUN
fbem-7719	44	33	'	'	PART
fbem-7719	44	34	rights	right	NOUN
fbem-7719	44	35	to	to	PART
fbem-7719	44	36	raise	raise	VERB
fbem-7719	44	37	interest	interest	NOUN
fbem-7719	44	38	rates	rate	NOUN
fbem-7719	44	39	and	and	CCONJ
fbem-7719	44	40	fees	fee	NOUN
fbem-7719	44	41	on	on	ADP
fbem-7719	44	42	loans	loan	NOUN
fbem-7719	44	43	,	,	PUNCT
fbem-7719	44	44	and	and	CCONJ
fbem-7719	44	45	not	not	PART
fbem-7719	44	46	allowing	allow	VERB
fbem-7719	44	47	lenders	lender	NOUN
fbem-7719	44	48	to	to	PART
fbem-7719	44	49	provide	provide	VERB
fbem-7719	44	50	loans	loan	NOUN
fbem-7719	44	51	that	that	PRON
fbem-7719	44	52	are	be	AUX
fbem-7719	44	53	far	far	ADV
fbem-7719	44	54	beyond	beyond	ADP
fbem-7719	44	55	what	what	PRON
fbem-7719	44	56	consumers	consumer	NOUN
fbem-7719	44	57	can	can	AUX
fbem-7719	44	58	afford	afford	VERB
fbem-7719	44	59	.	.	PUNCT
fbem-7719	45	1	2.2.2	2.2.2	X
fbem-7719	45	2	.	.	PUNCT
fbem-7719	45	3	internet	internet	NOUN
fbem-7719	45	4	finance	finance	NOUN
fbem-7719	45	5	(	(	PUNCT
fbem-7719	45	6	1	1	X
fbem-7719	45	7	)	)	PUNCT
fbem-7719	45	8	improve	improve	VERB
fbem-7719	45	9	consumers	consumer	NOUN
fbem-7719	45	10	'	'	PART
fbem-7719	45	11	awareness	awareness	NOUN
fbem-7719	45	12	of	of	ADP
fbem-7719	45	13	prevention	prevention	NOUN
fbem-7719	45	14	,	,	PUNCT
fbem-7719	45	15	enhance	enhance	VERB
fbem-7719	45	16	the	the	DET
fbem-7719	45	17	disclosure	disclosure	NOUN
fbem-7719	45	18	of	of	ADP
fbem-7719	45	19	common	common	ADJ
fbem-7719	45	20	internet	internet	NOUN
fbem-7719	45	21	fraud	fraud	NOUN
fbem-7719	45	22	publicity	publicity	NOUN
fbem-7719	45	23	,	,	PUNCT
fbem-7719	45	24	so	so	SCONJ
fbem-7719	45	25	that	that	SCONJ
fbem-7719	45	26	consumers	consumer	NOUN
fbem-7719	45	27	can	can	AUX
fbem-7719	45	28	better	well	ADV
fbem-7719	45	29	identify	identify	VERB
fbem-7719	45	30	financial	financial	ADJ
fbem-7719	45	31	fraud	fraud	NOUN
fbem-7719	45	32	traps	trap	NOUN
fbem-7719	45	33	,	,	PUNCT
fbem-7719	45	34	reduce	reduce	VERB
fbem-7719	45	35	the	the	DET
fbem-7719	45	36	cases	case	NOUN
fbem-7719	45	37	of	of	ADP
fbem-7719	45	38	consumers	consumer	NOUN
fbem-7719	45	39	cheated	cheat	VERB
fbem-7719	45	40	.	.	PUNCT
fbem-7719	46	1	(	(	PUNCT
fbem-7719	46	2	2	2	X
fbem-7719	46	3	)	)	PUNCT
fbem-7719	46	4	to	to	PART
fbem-7719	46	5	improve	improve	VERB
fbem-7719	46	6	consumers	consumer	NOUN
fbem-7719	46	7	'	'	PART
fbem-7719	46	8	knowledge	knowledge	NOUN
fbem-7719	46	9	and	and	CCONJ
fbem-7719	46	10	encourage	encourage	VERB
fbem-7719	46	11	them	they	PRON
fbem-7719	46	12	to	to	PART
fbem-7719	46	13	actively	actively	ADV
fbem-7719	46	14	report	report	VERB
fbem-7719	46	15	to	to	ADP
fbem-7719	46	16	relevant	relevant	ADJ
fbem-7719	46	17	financial	financial	ADJ
fbem-7719	46	18	regulators	regulator	NOUN
fbem-7719	46	19	to	to	PART
fbem-7719	46	20	safeguard	safeguard	VERB
fbem-7719	46	21	their	their	PRON
fbem-7719	46	22	legal	legal	ADJ
fbem-7719	46	23	rights	right	NOUN
fbem-7719	46	24	when	when	SCONJ
fbem-7719	46	25	they	they	PRON
fbem-7719	46	26	are	be	AUX
fbem-7719	46	27	defrauded	defraud	VERB
fbem-7719	46	28	has	have	AUX
fbem-7719	46	29	further	far	ADV
fbem-7719	46	30	stabilized	stabilize	VERB
fbem-7719	46	31	and	and	CCONJ
fbem-7719	46	32	promoted	promote	VERB
fbem-7719	46	33	the	the	DET
fbem-7719	46	34	development	development	NOUN
fbem-7719	46	35	of	of	ADP
fbem-7719	46	36	the	the	DET
fbem-7719	46	37	internet	internet	NOUN
fbem-7719	46	38	financial	financial	ADJ
fbem-7719	46	39	market	market	NOUN
fbem-7719	46	40	.	.	PUNCT
fbem-7719	47	1	2.2.3	2.2.3	X
fbem-7719	47	2	.	.	X
fbem-7719	47	3	integrate	integrate	VERB
fbem-7719	47	4	financial	financial	ADJ
fbem-7719	47	5	literacy	literacy	NOUN
fbem-7719	47	6	into	into	ADP
fbem-7719	47	7	the	the	DET
fbem-7719	47	8	national	national	ADJ
fbem-7719	47	9	education	education	NOUN
fbem-7719	47	10	system	system	NOUN
fbem-7719	47	11	(	(	PUNCT
fbem-7719	47	12	1	1	X
fbem-7719	47	13	)	)	PUNCT
fbem-7719	47	14	make	make	VERB
fbem-7719	47	15	financial	financial	ADJ
fbem-7719	47	16	knowledge	knowledge	NOUN
fbem-7719	47	17	more	more	ADV
fbem-7719	47	18	interesting	interesting	ADJ
fbem-7719	47	19	with	with	ADP
fbem-7719	47	20	the	the	DET
fbem-7719	47	21	help	help	NOUN
fbem-7719	47	22	of	of	ADP
fbem-7719	47	23	digital	digital	ADJ
fbem-7719	47	24	technology	technology	NOUN
fbem-7719	47	25	,	,	PUNCT
fbem-7719	47	26	for	for	ADP
fbem-7719	47	27	example	example	NOUN
fbem-7719	47	28	,	,	PUNCT
fbem-7719	47	29	develop	develop	VERB
fbem-7719	47	30	corresponding	correspond	VERB
fbem-7719	47	31	apps	app	NOUN
fbem-7719	47	32	for	for	ADP
fbem-7719	47	33	students	student	NOUN
fbem-7719	47	34	'	'	PART
fbem-7719	47	35	education	education	NOUN
fbem-7719	47	36	,	,	PUNCT
fbem-7719	47	37	creatively	creatively	ADV
fbem-7719	47	38	use	use	VERB
fbem-7719	47	39	some	some	DET
fbem-7719	47	40	existing	exist	VERB
fbem-7719	47	41	games	game	NOUN
fbem-7719	47	42	to	to	PART
fbem-7719	47	43	integrate	integrate	VERB
fbem-7719	47	44	financial	financial	ADJ
fbem-7719	47	45	knowledge	knowledge	NOUN
fbem-7719	47	46	into	into	ADP
fbem-7719	47	47	them	they	PRON
fbem-7719	47	48	,	,	PUNCT
fbem-7719	47	49	so	so	SCONJ
fbem-7719	47	50	that	that	SCONJ
fbem-7719	47	51	students	student	NOUN
fbem-7719	47	52	can	can	AUX
fbem-7719	47	53	absorb	absorb	VERB
fbem-7719	47	54	and	and	CCONJ
fbem-7719	47	55	master	master	VERB
fbem-7719	47	56	relevant	relevant	ADJ
fbem-7719	47	57	knowledge	knowledge	NOUN
fbem-7719	47	58	more	more	ADV
fbem-7719	47	59	easily	easily	ADV
fbem-7719	47	60	.	.	PUNCT
fbem-7719	48	1	(	(	PUNCT
fbem-7719	48	2	2	2	X
fbem-7719	48	3	)	)	PUNCT
fbem-7719	48	4	students	student	NOUN
fbem-7719	48	5	of	of	ADP
fbem-7719	48	6	different	different	ADJ
fbem-7719	48	7	ages	age	NOUN
fbem-7719	48	8	are	be	AUX
fbem-7719	48	9	given	give	VERB
fbem-7719	48	10	corresponding	corresponding	ADJ
fbem-7719	48	11	education	education	NOUN
fbem-7719	48	12	.	.	PUNCT
fbem-7719	49	1	distinguish	distinguish	VERB
fbem-7719	49	2	between	between	ADP
fbem-7719	49	3	low	low	ADJ
fbem-7719	49	4	age	age	NOUN
fbem-7719	49	5	and	and	CCONJ
fbem-7719	49	6	high	high	ADJ
fbem-7719	49	7	age	age	NOUN
fbem-7719	49	8	students	student	NOUN
fbem-7719	49	9	,	,	PUNCT
fbem-7719	49	10	implement	implement	VERB
fbem-7719	49	11	education	education	NOUN
fbem-7719	49	12	suitable	suitable	ADJ
fbem-7719	49	13	for	for	ADP
fbem-7719	49	14	them	they	PRON
fbem-7719	49	15	.	.	PUNCT
fbem-7719	50	1	(	(	PUNCT
fbem-7719	50	2	3	3	X
fbem-7719	50	3	)	)	PUNCT
fbem-7719	50	4	financial	financial	ADJ
fbem-7719	50	5	knowledge	knowledge	NOUN
fbem-7719	50	6	can	can	AUX
fbem-7719	50	7	be	be	AUX
fbem-7719	50	8	organically	organically	ADV
fbem-7719	50	9	combined	combine	VERB
fbem-7719	50	10	with	with	ADP
fbem-7719	50	11	other	other	ADJ
fbem-7719	50	12	subjects	subject	NOUN
fbem-7719	50	13	and	and	CCONJ
fbem-7719	50	14	better	well	ADV
fbem-7719	50	15	integrated	integrate	VERB
fbem-7719	50	16	into	into	ADP
fbem-7719	50	17	quality	quality	NOUN
fbem-7719	50	18	education	education	NOUN
fbem-7719	50	19	,	,	PUNCT
fbem-7719	50	20	so	so	SCONJ
fbem-7719	50	21	that	that	SCONJ
fbem-7719	50	22	students	student	NOUN
fbem-7719	50	23	can	can	AUX
fbem-7719	50	24	contact	contact	VERB
fbem-7719	50	25	and	and	CCONJ
fbem-7719	50	26	use	use	VERB
fbem-7719	50	27	it	it	PRON
fbem-7719	50	28	more	more	ADV
fbem-7719	50	29	often	often	ADV
fbem-7719	50	30	,	,	PUNCT
fbem-7719	50	31	which	which	PRON
fbem-7719	50	32	can	can	AUX
fbem-7719	50	33	help	help	VERB
fbem-7719	50	34	students	student	NOUN
fbem-7719	50	35	memorize	memorize	VERB
fbem-7719	50	36	relevant	relevant	ADJ
fbem-7719	50	37	financial	financial	ADJ
fbem-7719	50	38	knowledge	knowledge	NOUN
fbem-7719	50	39	.	.	PUNCT
fbem-7719	51	1	2.3	2.3	NUM
fbem-7719	51	2	.	.	PUNCT
fbem-7719	52	1	the	the	DET
fbem-7719	52	2	enlightenment	enlightenment	NOUN
fbem-7719	52	3	of	of	ADP
fbem-7719	52	4	american	american	ADJ
fbem-7719	52	5	financial	financial	ADJ
fbem-7719	52	6	consumer	consumer	NOUN
fbem-7719	52	7	protection	protection	NOUN
fbem-7719	52	8	to	to	ADP
fbem-7719	52	9	our	our	PRON
fbem-7719	52	10	country	country	NOUN
fbem-7719	52	11	2.3.1	2.3.1	NUM
fbem-7719	52	12	.	.	PUNCT
fbem-7719	52	13	formulate	formulate	VERB
fbem-7719	52	14	special	special	ADJ
fbem-7719	52	15	laws	law	NOUN
fbem-7719	52	16	to	to	PART
fbem-7719	52	17	protect	protect	VERB
fbem-7719	52	18	the	the	DET
fbem-7719	52	19	rights	right	NOUN
fbem-7719	52	20	and	and	CCONJ
fbem-7719	52	21	interests	interest	NOUN
fbem-7719	52	22	of	of	ADP
fbem-7719	52	23	financial	financial	ADJ
fbem-7719	52	24	consumers	consumer	NOUN
fbem-7719	52	25	at	at	ADP
fbem-7719	52	26	present	present	ADJ
fbem-7719	52	27	,	,	PUNCT
fbem-7719	52	28	our	our	PRON
fbem-7719	52	29	country	country	NOUN
fbem-7719	52	30	's	's	PART
fbem-7719	52	31	financial	financial	ADJ
fbem-7719	52	32	consumer	consumer	NOUN
fbem-7719	52	33	rights	right	NOUN
fbem-7719	52	34	protection	protection	NOUN
fbem-7719	52	35	still	still	ADV
fbem-7719	52	36	has	have	VERB
fbem-7719	52	37	some	some	DET
fbem-7719	52	38	unsolved	unsolved	ADJ
fbem-7719	52	39	problems	problem	NOUN
fbem-7719	52	40	,	,	PUNCT
fbem-7719	52	41	which	which	PRON
fbem-7719	52	42	mainly	mainly	ADV
fbem-7719	52	43	includes	include	VERB
fbem-7719	52	44	two	two	NUM
fbem-7719	52	45	aspects	aspect	NOUN
fbem-7719	52	46	.	.	PUNCT
fbem-7719	53	1	first	first	ADV
fbem-7719	53	2	,	,	PUNCT
fbem-7719	53	3	there	there	PRON
fbem-7719	53	4	is	be	VERB
fbem-7719	53	5	a	a	DET
fbem-7719	53	6	big	big	ADJ
fbem-7719	53	7	gap	gap	NOUN
fbem-7719	53	8	between	between	ADP
fbem-7719	53	9	financial	financial	ADJ
fbem-7719	53	10	institutions	institution	NOUN
fbem-7719	53	11	and	and	CCONJ
fbem-7719	53	12	financial	financial	ADJ
fbem-7719	53	13	consumers	consumer	NOUN
fbem-7719	53	14	in	in	ADP
fbem-7719	53	15	all	all	DET
fbem-7719	53	16	aspects	aspect	NOUN
fbem-7719	53	17	.	.	PUNCT
fbem-7719	54	1	almost	almost	ADV
fbem-7719	54	2	all	all	PRON
fbem-7719	54	3	financial	financial	ADJ
fbem-7719	54	4	institutions	institution	NOUN
fbem-7719	54	5	have	have	VERB
fbem-7719	54	6	overwhelming	overwhelming	ADJ
fbem-7719	54	7	advantages	advantage	NOUN
fbem-7719	54	8	in	in	ADP
fbem-7719	54	9	terms	term	NOUN
fbem-7719	54	10	of	of	ADP
fbem-7719	54	11	status	status	NOUN
fbem-7719	54	12	,	,	PUNCT
fbem-7719	54	13	resources	resource	NOUN
fbem-7719	54	14	and	and	CCONJ
fbem-7719	54	15	information	information	NOUN
fbem-7719	54	16	they	they	PRON
fbem-7719	54	17	have	have	AUX
fbem-7719	54	18	mastered	master	VERB
fbem-7719	54	19	.	.	PUNCT
fbem-7719	55	1	second	second	ADJ
fbem-7719	55	2	,	,	PUNCT
fbem-7719	55	3	the	the	DET
fbem-7719	55	4	current	current	ADJ
fbem-7719	55	5	law	law	NOUN
fbem-7719	55	6	on	on	ADP
fbem-7719	55	7	the	the	DET
fbem-7719	55	8	protection	protection	NOUN
fbem-7719	55	9	of	of	ADP
fbem-7719	55	10	the	the	DET
fbem-7719	55	11	financial	financial	ADJ
fbem-7719	55	12	market	market	NOUN
fbem-7719	55	13	has	have	AUX
fbem-7719	55	14	not	not	PART
fbem-7719	55	15	kept	keep	VERB
fbem-7719	55	16	up	up	ADP
fbem-7719	55	17	with	with	ADP
fbem-7719	55	18	the	the	DET
fbem-7719	55	19	rapid	rapid	ADJ
fbem-7719	55	20	development	development	NOUN
fbem-7719	55	21	of	of	ADP
fbem-7719	55	22	the	the	DET
fbem-7719	55	23	financial	financial	ADJ
fbem-7719	55	24	market	market	NOUN
fbem-7719	55	25	,	,	PUNCT
fbem-7719	55	26	the	the	DET
fbem-7719	55	27	low	low	ADJ
fbem-7719	55	28	use	use	NOUN
fbem-7719	55	29	rate	rate	NOUN
fbem-7719	55	30	,	,	PUNCT
fbem-7719	55	31	unable	unable	ADJ
fbem-7719	55	32	to	to	PART
fbem-7719	55	33	provide	provide	VERB
fbem-7719	55	34	better	well	ADJ
fbem-7719	55	35	protection	protection	NOUN
fbem-7719	55	36	for	for	ADP
fbem-7719	55	37	financial	financial	ADJ
fbem-7719	55	38	consumers	consumer	NOUN
fbem-7719	55	39	,	,	PUNCT
fbem-7719	55	40	so	so	ADV
fbem-7719	55	41	appropriate	appropriate	ADJ
fbem-7719	55	42	improvements	improvement	NOUN
fbem-7719	55	43	should	should	AUX
fbem-7719	55	44	be	be	AUX
fbem-7719	55	45	made	make	VERB
fbem-7719	55	46	:	:	PUNCT
fbem-7719	55	47	(	(	PUNCT
fbem-7719	55	48	1	1	X
fbem-7719	55	49	)	)	PUNCT
fbem-7719	55	50	clarify	clarify	VERB
fbem-7719	55	51	the	the	DET
fbem-7719	55	52	concept	concept	NOUN
fbem-7719	55	53	of	of	ADP
fbem-7719	55	54	"	"	PUNCT
fbem-7719	55	55	financial	financial	ADJ
fbem-7719	55	56	consumer	consumer	NOUN
fbem-7719	55	57	"	"	PUNCT
fbem-7719	55	58	in	in	ADP
fbem-7719	55	59	the	the	DET
fbem-7719	55	60	law	law	NOUN
fbem-7719	55	61	.	.	PUNCT
fbem-7719	56	1	to	to	PART
fbem-7719	56	2	prevent	prevent	VERB
fbem-7719	56	3	disputes	dispute	NOUN
fbem-7719	56	4	,	,	PUNCT
fbem-7719	56	5	it	it	PRON
fbem-7719	56	6	is	be	AUX
fbem-7719	56	7	difficult	difficult	ADJ
fbem-7719	56	8	to	to	PART
fbem-7719	56	9	define	define	VERB
fbem-7719	56	10	whether	whether	SCONJ
fbem-7719	56	11	financial	financial	ADJ
fbem-7719	56	12	consumers	consumer	NOUN
fbem-7719	56	13	are	be	AUX
fbem-7719	56	14	financial	financial	ADJ
fbem-7719	56	15	consumers	consumer	NOUN
fbem-7719	56	16	,	,	PUNCT
fbem-7719	56	17	resulting	result	VERB
fbem-7719	56	18	in	in	ADP
fbem-7719	56	19	the	the	DET
fbem-7719	56	20	rights	right	NOUN
fbem-7719	56	21	and	and	CCONJ
fbem-7719	56	22	interests	interest	NOUN
fbem-7719	56	23	of	of	ADP
fbem-7719	56	24	financial	financial	ADJ
fbem-7719	56	25	consumers	consumer	NOUN
fbem-7719	56	26	may	may	AUX
fbem-7719	56	27	not	not	PART
fbem-7719	56	28	be	be	AUX
fbem-7719	56	29	well	well	ADV
fbem-7719	56	30	protected	protect	VERB
fbem-7719	56	31	.	.	PUNCT
fbem-7719	57	1	the	the	DET
fbem-7719	57	2	protection	protection	NOUN
fbem-7719	57	3	of	of	ADP
fbem-7719	57	4	the	the	DET
fbem-7719	57	5	rights	right	NOUN
fbem-7719	57	6	and	and	CCONJ
fbem-7719	57	7	interests	interest	NOUN
fbem-7719	57	8	of	of	ADP
fbem-7719	57	9	financial	financial	ADJ
fbem-7719	57	10	consumers	consumer	NOUN
fbem-7719	57	11	should	should	AUX
fbem-7719	57	12	be	be	AUX
fbem-7719	57	13	expanded	expand	VERB
fbem-7719	57	14	,	,	PUNCT
fbem-7719	57	15	but	but	CCONJ
fbem-7719	57	16	consumers	consumer	NOUN
fbem-7719	57	17	who	who	PRON
fbem-7719	57	18	are	be	AUX
fbem-7719	57	19	in	in	ADP
fbem-7719	57	20	a	a	DET
fbem-7719	57	21	vulnerable	vulnerable	ADJ
fbem-7719	57	22	position	position	NOUN
fbem-7719	57	23	and	and	CCONJ
fbem-7719	57	24	lack	lack	NOUN
fbem-7719	57	25	of	of	ADP
fbem-7719	57	26	financial	financial	ADJ
fbem-7719	57	27	knowledge	knowledge	NOUN
fbem-7719	57	28	should	should	AUX
fbem-7719	57	29	be	be	AUX
fbem-7719	57	30	protected	protect	VERB
fbem-7719	57	31	.	.	PUNCT
fbem-7719	58	1	(	(	PUNCT
fbem-7719	58	2	2	2	X
fbem-7719	58	3	)	)	PUNCT
fbem-7719	58	4	clarify	clarify	VERB
fbem-7719	58	5	the	the	DET
fbem-7719	58	6	rights	right	NOUN
fbem-7719	58	7	and	and	CCONJ
fbem-7719	58	8	interests	interest	NOUN
fbem-7719	58	9	of	of	ADP
fbem-7719	58	10	financial	financial	ADJ
fbem-7719	58	11	consumers	consumer	NOUN
fbem-7719	58	12	in	in	ADP
fbem-7719	58	13	the	the	DET
fbem-7719	58	14	law	law	NOUN
fbem-7719	58	15	.	.	PUNCT
fbem-7719	59	1	when	when	SCONJ
fbem-7719	59	2	formulating	formulate	VERB
fbem-7719	59	3	and	and	CCONJ
fbem-7719	59	4	revising	revise	VERB
fbem-7719	59	5	relevant	relevant	ADJ
fbem-7719	59	6	laws	law	NOUN
fbem-7719	59	7	,	,	PUNCT
fbem-7719	59	8	it	it	PRON
fbem-7719	59	9	is	be	AUX
fbem-7719	59	10	necessary	necessary	ADJ
fbem-7719	59	11	to	to	PART
fbem-7719	59	12	clearly	clearly	ADV
fbem-7719	59	13	define	define	VERB
fbem-7719	59	14	the	the	DET
fbem-7719	59	15	basic	basic	ADJ
fbem-7719	59	16	rights	right	NOUN
fbem-7719	59	17	of	of	ADP
fbem-7719	59	18	financial	financial	ADJ
fbem-7719	59	19	consumers	consumer	NOUN
fbem-7719	59	20	,	,	PUNCT
fbem-7719	59	21	such	such	ADJ
fbem-7719	59	22	as	as	ADP
fbem-7719	59	23	the	the	DET
fbem-7719	59	24	right	right	NOUN
fbem-7719	59	25	to	to	ADP
fbem-7719	59	26	freedom	freedom	NOUN
fbem-7719	59	27	of	of	ADP
fbem-7719	59	28	financial	financial	ADJ
fbem-7719	59	29	consumption	consumption	NOUN
fbem-7719	59	30	and	and	CCONJ
fbem-7719	59	31	the	the	DET
fbem-7719	59	32	right	right	NOUN
fbem-7719	59	33	to	to	PART
fbem-7719	59	34	fairness	fairness	VERB
fbem-7719	59	35	of	of	ADP
fbem-7719	59	36	financial	financial	ADJ
fbem-7719	59	37	consumption	consumption	NOUN
fbem-7719	59	38	,	,	PUNCT
fbem-7719	59	39	so	so	SCONJ
fbem-7719	59	40	as	as	SCONJ
fbem-7719	59	41	to	to	PART
fbem-7719	59	42	reduce	reduce	VERB
fbem-7719	59	43	the	the	DET
fbem-7719	59	44	gray	gray	ADJ
fbem-7719	59	45	area	area	NOUN
fbem-7719	59	46	in	in	ADP
fbem-7719	59	47	the	the	DET
fbem-7719	59	48	law	law	NOUN
fbem-7719	59	49	and	and	CCONJ
fbem-7719	59	50	make	make	VERB
fbem-7719	59	51	the	the	DET
fbem-7719	59	52	law	law	NOUN
fbem-7719	59	53	more	more	ADV
fbem-7719	59	54	effective	effective	ADJ
fbem-7719	59	55	in	in	ADP
fbem-7719	59	56	protecting	protect	VERB
fbem-7719	59	57	the	the	DET
fbem-7719	59	58	rights	right	NOUN
fbem-7719	59	59	and	and	CCONJ
fbem-7719	59	60	interests	interest	NOUN
fbem-7719	59	61	of	of	ADP
fbem-7719	59	62	financial	financial	ADJ
fbem-7719	59	63	consumers	consumer	NOUN
fbem-7719	59	64	.	.	PUNCT
fbem-7719	60	1	2.3.2	2.3.2	X
fbem-7719	60	2	.	.	X
fbem-7719	60	3	speed	speed	NOUN
fbem-7719	60	4	up	up	ADP
fbem-7719	60	5	the	the	DET
fbem-7719	60	6	establishment	establishment	NOUN
fbem-7719	60	7	of	of	ADP
fbem-7719	60	8	institutions	institution	NOUN
fbem-7719	60	9	related	relate	VERB
fbem-7719	60	10	to	to	ADP
fbem-7719	60	11	the	the	DET
fbem-7719	60	12	protection	protection	NOUN
fbem-7719	60	13	of	of	ADP
fbem-7719	60	14	the	the	DET
fbem-7719	60	15	rights	right	NOUN
fbem-7719	60	16	and	and	CCONJ
fbem-7719	60	17	interests	interest	NOUN
fbem-7719	60	18	of	of	ADP
fbem-7719	60	19	financial	financial	ADJ
fbem-7719	60	20	consumers	consumer	NOUN
fbem-7719	60	21	financial	financial	ADJ
fbem-7719	60	22	consumers	consumer	NOUN
fbem-7719	60	23	are	be	AUX
fbem-7719	60	24	different	different	ADJ
fbem-7719	60	25	from	from	ADP
fbem-7719	60	26	ordinary	ordinary	ADJ
fbem-7719	60	27	consumers	consumer	NOUN
fbem-7719	60	28	,	,	PUNCT
fbem-7719	60	29	so	so	ADV
fbem-7719	60	30	the	the	DET
fbem-7719	60	31	relevant	relevant	ADJ
fbem-7719	60	32	institutions	institution	NOUN
fbem-7719	60	33	of	of	ADP
fbem-7719	60	34	the	the	DET
fbem-7719	60	35	protection	protection	NOUN
fbem-7719	60	36	of	of	ADP
fbem-7719	60	37	the	the	DET
fbem-7719	60	38	rights	right	NOUN
fbem-7719	60	39	and	and	CCONJ
fbem-7719	60	40	interests	interest	NOUN
fbem-7719	60	41	of	of	ADP
fbem-7719	60	42	ordinary	ordinary	ADJ
fbem-7719	60	43	consumers	consumer	NOUN
fbem-7719	60	44	may	may	AUX
fbem-7719	60	45	not	not	PART
fbem-7719	60	46	be	be	AUX
fbem-7719	60	47	able	able	ADJ
fbem-7719	60	48	to	to	PART
fbem-7719	60	49	meet	meet	VERB
fbem-7719	60	50	the	the	DET
fbem-7719	60	51	needs	need	NOUN
fbem-7719	60	52	of	of	ADP
fbem-7719	60	53	the	the	DET
fbem-7719	60	54	protection	protection	NOUN
fbem-7719	60	55	of	of	ADP
fbem-7719	60	56	the	the	DET
fbem-7719	60	57	rights	right	NOUN
fbem-7719	60	58	and	and	CCONJ
fbem-7719	60	59	interests	interest	NOUN
fbem-7719	60	60	of	of	ADP
fbem-7719	60	61	financial	financial	ADJ
fbem-7719	60	62	consumers	consumer	NOUN
fbem-7719	60	63	.	.	PUNCT
fbem-7719	61	1	therefore	therefore	ADV
fbem-7719	61	2	,	,	PUNCT
fbem-7719	61	3	we	we	PRON
fbem-7719	61	4	should	should	AUX
fbem-7719	61	5	set	set	VERB
fbem-7719	61	6	up	up	ADP
fbem-7719	61	7	special	special	ADJ
fbem-7719	61	8	institutions	institution	NOUN
fbem-7719	61	9	and	and	CCONJ
fbem-7719	61	10	special	special	ADJ
fbem-7719	61	11	dispute	dispute	NOUN
fbem-7719	61	12	resolution	resolution	NOUN
fbem-7719	61	13	mechanism	mechanism	NOUN
fbem-7719	61	14	to	to	PART
fbem-7719	61	15	ensure	ensure	VERB
fbem-7719	61	16	that	that	SCONJ
fbem-7719	61	17	the	the	DET
fbem-7719	61	18	rights	right	NOUN
fbem-7719	61	19	and	and	CCONJ
fbem-7719	61	20	interests	interest	NOUN
fbem-7719	61	21	of	of	ADP
fbem-7719	61	22	financial	financial	ADJ
fbem-7719	61	23	consumers	consumer	NOUN
fbem-7719	61	24	are	be	AUX
fbem-7719	61	25	protected	protect	VERB
fbem-7719	61	26	,	,	PUNCT
fbem-7719	61	27	and	and	CCONJ
fbem-7719	61	28	actively	actively	ADV
fbem-7719	61	29	improve	improve	VERB
fbem-7719	61	30	in	in	ADP
fbem-7719	61	31	order	order	NOUN
fbem-7719	61	32	to	to	PART
fbem-7719	61	33	prevent	prevent	VERB
fbem-7719	61	34	the	the	DET
fbem-7719	61	35	regulatory	regulatory	ADJ
fbem-7719	61	36	gray	gray	ADJ
fbem-7719	61	37	area	area	NOUN
fbem-7719	61	38	and	and	CCONJ
fbem-7719	61	39	give	give	VERB
fbem-7719	61	40	financial	financial	ADJ
fbem-7719	61	41	institutions	institution	NOUN
fbem-7719	61	42	an	an	DET
fbem-7719	61	43	opportunity	opportunity	NOUN
fbem-7719	61	44	to	to	PART
fbem-7719	61	45	use	use	VERB
fbem-7719	61	46	.	.	PUNCT
fbem-7719	62	1	(	(	PUNCT
fbem-7719	62	2	1	1	X
fbem-7719	62	3	)	)	PUNCT
fbem-7719	62	4	an	an	DET
fbem-7719	62	5	official	official	ADJ
fbem-7719	62	6	organization	organization	NOUN
fbem-7719	62	7	jointly	jointly	ADV
fbem-7719	62	8	established	establish	VERB
fbem-7719	62	9	by	by	ADP
fbem-7719	62	10	the	the	DET
fbem-7719	62	11	industry	industry	NOUN
fbem-7719	62	12	and	and	CCONJ
fbem-7719	62	13	commerce	commerce	PROPN
fbem-7719	62	14	department	department	PROPN
fbem-7719	62	15	and	and	CCONJ
fbem-7719	62	16	the	the	DET
fbem-7719	62	17	three	three	NUM
fbem-7719	62	18	committees	committee	NOUN
fbem-7719	62	19	as	as	ADP
fbem-7719	62	20	an	an	DET
fbem-7719	62	21	integral	integral	ADJ
fbem-7719	62	22	part	part	NOUN
fbem-7719	62	23	of	of	ADP
fbem-7719	62	24	administrative	administrative	ADJ
fbem-7719	62	25	law	law	NOUN
fbem-7719	62	26	enforcement	enforcement	NOUN
fbem-7719	62	27	,	,	PUNCT
fbem-7719	62	28	the	the	DET
fbem-7719	62	29	industry	industry	NOUN
fbem-7719	62	30	and	and	CCONJ
fbem-7719	62	31	commerce	commerce	PROPN
fbem-7719	62	32	department	department	PROPN
fbem-7719	62	33	,	,	PUNCT
fbem-7719	62	34	which	which	PRON
fbem-7719	62	35	is	be	AUX
fbem-7719	62	36	fully	fully	ADV
fbem-7719	62	37	staffed	staff	VERB
fbem-7719	62	38	and	and	CCONJ
fbem-7719	62	39	deeply	deeply	ADV
fbem-7719	62	40	embedded	embed	VERB
fbem-7719	62	41	at	at	ADP
fbem-7719	62	42	the	the	DET
fbem-7719	62	43	grassroots	grassroots	ADJ
fbem-7719	62	44	level	level	NOUN
fbem-7719	62	45	,	,	PUNCT
fbem-7719	62	46	should	should	AUX
fbem-7719	62	47	be	be	AUX
fbem-7719	62	48	reformed	reform	VERB
fbem-7719	62	49	together	together	ADV
fbem-7719	62	50	with	with	ADP
fbem-7719	62	51	the	the	DET
fbem-7719	62	52	three	three	NUM
fbem-7719	62	53	meetings	meeting	NOUN
fbem-7719	62	54	and	and	CCONJ
fbem-7719	62	55	commissions	commission	NOUN
fbem-7719	62	56	to	to	PART
fbem-7719	62	57	become	become	VERB
fbem-7719	62	58	a	a	DET
fbem-7719	62	59	more	more	ADV
fbem-7719	62	60	powerful	powerful	ADJ
fbem-7719	62	61	institution	institution	NOUN
fbem-7719	62	62	that	that	PRON
fbem-7719	62	63	can	can	AUX
fbem-7719	62	64	focus	focus	VERB
fbem-7719	62	65	on	on	ADP
fbem-7719	62	66	the	the	DET
fbem-7719	62	67	rights	right	NOUN
fbem-7719	62	68	and	and	CCONJ
fbem-7719	62	69	interests	interest	NOUN
fbem-7719	62	70	of	of	ADP
fbem-7719	62	71	financial	financial	ADJ
fbem-7719	62	72	consumers	consumer	NOUN
fbem-7719	62	73	,	,	PUNCT
fbem-7719	62	74	so	so	SCONJ
fbem-7719	62	75	as	as	SCONJ
fbem-7719	62	76	to	to	PART
fbem-7719	62	77	solve	solve	VERB
fbem-7719	62	78	related	related	ADJ
fbem-7719	62	79	disputes	dispute	NOUN
fbem-7719	62	80	more	more	ADV
fbem-7719	62	81	efficiently	efficiently	ADV
fbem-7719	62	82	and	and	CCONJ
fbem-7719	62	83	better	well	ADJ
fbem-7719	62	84	protect	protect	VERB
fbem-7719	62	85	the	the	DET
fbem-7719	62	86	rights	right	NOUN
fbem-7719	62	87	and	and	CCONJ
fbem-7719	62	88	interests	interest	NOUN
fbem-7719	62	89	of	of	ADP
fbem-7719	62	90	financial	financial	ADJ
fbem-7719	62	91	consumers	consumer	NOUN
fbem-7719	62	92	.	.	PUNCT
fbem-7719	63	1	51	51	NUM
fbem-7719	63	2	(	(	PUNCT
fbem-7719	63	3	2	2	NUM
fbem-7719	63	4	)	)	PUNCT
fbem-7719	63	5	non	non	ADJ
fbem-7719	63	6	-	-	ADJ
fbem-7719	63	7	governmental	governmental	ADJ
fbem-7719	63	8	organizations	organization	NOUN
fbem-7719	63	9	for	for	ADP
fbem-7719	63	10	the	the	DET
fbem-7719	63	11	protection	protection	NOUN
fbem-7719	63	12	of	of	ADP
fbem-7719	63	13	rights	right	NOUN
fbem-7719	63	14	and	and	CCONJ
fbem-7719	63	15	interests	interest	NOUN
fbem-7719	63	16	organized	organize	VERB
fbem-7719	63	17	by	by	ADP
fbem-7719	63	18	various	various	ADJ
fbem-7719	63	19	forces	force	NOUN
fbem-7719	63	20	the	the	DET
fbem-7719	63	21	establishment	establishment	NOUN
fbem-7719	63	22	of	of	ADP
fbem-7719	63	23	this	this	DET
fbem-7719	63	24	institution	institution	NOUN
fbem-7719	63	25	needs	need	VERB
fbem-7719	63	26	to	to	PART
fbem-7719	63	27	combine	combine	VERB
fbem-7719	63	28	with	with	ADP
fbem-7719	63	29	the	the	DET
fbem-7719	63	30	consumer	consumer	NOUN
fbem-7719	63	31	association	association	NOUN
fbem-7719	63	32	,	,	PUNCT
fbem-7719	63	33	the	the	DET
fbem-7719	63	34	banking	banking	NOUN
fbem-7719	63	35	association	association	NOUN
fbem-7719	63	36	and	and	CCONJ
fbem-7719	63	37	other	other	ADJ
fbem-7719	63	38	industry	industry	NOUN
fbem-7719	63	39	associations	association	NOUN
fbem-7719	63	40	to	to	PART
fbem-7719	63	41	form	form	VERB
fbem-7719	63	42	according	accord	VERB
fbem-7719	63	43	to	to	ADP
fbem-7719	63	44	law	law	NOUN
fbem-7719	63	45	,	,	PUNCT
fbem-7719	63	46	take	take	VERB
fbem-7719	63	47	the	the	DET
fbem-7719	63	48	protection	protection	NOUN
fbem-7719	63	49	of	of	ADP
fbem-7719	63	50	the	the	DET
fbem-7719	63	51	rights	right	NOUN
fbem-7719	63	52	and	and	CCONJ
fbem-7719	63	53	interests	interest	NOUN
fbem-7719	63	54	of	of	ADP
fbem-7719	63	55	financial	financial	ADJ
fbem-7719	63	56	consumers	consumer	NOUN
fbem-7719	63	57	as	as	ADP
fbem-7719	63	58	the	the	DET
fbem-7719	63	59	first	first	ADJ
fbem-7719	63	60	priority	priority	NOUN
fbem-7719	63	61	,	,	PUNCT
fbem-7719	63	62	and	and	CCONJ
fbem-7719	63	63	jointly	jointly	ADV
fbem-7719	63	64	formulate	formulate	VERB
fbem-7719	63	65	rules	rule	NOUN
fbem-7719	63	66	and	and	CCONJ
fbem-7719	63	67	regulations	regulation	NOUN
fbem-7719	63	68	.	.	PUNCT
fbem-7719	64	1	under	under	ADP
fbem-7719	64	2	the	the	DET
fbem-7719	64	3	joint	joint	ADJ
fbem-7719	64	4	efforts	effort	NOUN
fbem-7719	64	5	of	of	ADP
fbem-7719	64	6	various	various	ADJ
fbem-7719	64	7	parties	party	NOUN
fbem-7719	64	8	,	,	PUNCT
fbem-7719	64	9	financial	financial	ADJ
fbem-7719	64	10	service	service	NOUN
fbem-7719	64	11	institutions	institution	NOUN
fbem-7719	64	12	should	should	AUX
fbem-7719	64	13	be	be	AUX
fbem-7719	64	14	established	establish	VERB
fbem-7719	64	15	,	,	PUNCT
fbem-7719	64	16	information	information	NOUN
fbem-7719	64	17	disclosure	disclosure	NOUN
fbem-7719	64	18	should	should	AUX
fbem-7719	64	19	be	be	AUX
fbem-7719	64	20	strengthened	strengthen	VERB
fbem-7719	64	21	,	,	PUNCT
fbem-7719	64	22	and	and	CCONJ
fbem-7719	64	23	the	the	DET
fbem-7719	64	24	basic	basic	ADJ
fbem-7719	64	25	rights	right	NOUN
fbem-7719	64	26	and	and	CCONJ
fbem-7719	64	27	interests	interest	NOUN
fbem-7719	64	28	of	of	ADP
fbem-7719	64	29	financial	financial	ADJ
fbem-7719	64	30	consumers	consumer	NOUN
fbem-7719	64	31	should	should	AUX
fbem-7719	64	32	be	be	AUX
fbem-7719	64	33	effectively	effectively	ADV
fbem-7719	64	34	protected	protect	VERB
fbem-7719	64	35	.	.	PUNCT
fbem-7719	65	1	(	(	PUNCT
fbem-7719	65	2	3	3	X
fbem-7719	65	3	)	)	PUNCT
fbem-7719	65	4	ensure	ensure	VERB
fbem-7719	65	5	that	that	SCONJ
fbem-7719	65	6	financial	financial	ADJ
fbem-7719	65	7	institutions	institution	NOUN
fbem-7719	65	8	fulfill	fulfill	VERB
fbem-7719	65	9	their	their	PRON
fbem-7719	65	10	obligations	obligation	NOUN
fbem-7719	65	11	first	first	ADV
fbem-7719	65	12	,	,	PUNCT
fbem-7719	65	13	financial	financial	ADJ
fbem-7719	65	14	institutions	institution	NOUN
fbem-7719	65	15	should	should	AUX
fbem-7719	65	16	guarantee	guarantee	VERB
fbem-7719	65	17	the	the	DET
fbem-7719	65	18	basic	basic	ADJ
fbem-7719	65	19	rights	right	NOUN
fbem-7719	65	20	of	of	ADP
fbem-7719	65	21	financial	financial	ADJ
fbem-7719	65	22	consumers	consumer	NOUN
fbem-7719	65	23	such	such	ADJ
fbem-7719	65	24	as	as	ADP
fbem-7719	65	25	the	the	DET
fbem-7719	65	26	right	right	NOUN
fbem-7719	65	27	to	to	ADP
fbem-7719	65	28	safety	safety	NOUN
fbem-7719	65	29	,	,	PUNCT
fbem-7719	65	30	the	the	DET
fbem-7719	65	31	right	right	NOUN
fbem-7719	65	32	to	to	PART
fbem-7719	65	33	know	know	VERB
fbem-7719	65	34	,	,	PUNCT
fbem-7719	65	35	the	the	DET
fbem-7719	65	36	right	right	NOUN
fbem-7719	65	37	to	to	ADP
fbem-7719	65	38	fair	fair	ADJ
fbem-7719	65	39	trade	trade	NOUN
fbem-7719	65	40	,	,	PUNCT
fbem-7719	65	41	and	and	CCONJ
fbem-7719	65	42	timely	timely	ADJ
fbem-7719	65	43	disclosure	disclosure	NOUN
fbem-7719	65	44	of	of	ADP
fbem-7719	65	45	financial	financial	ADJ
fbem-7719	65	46	information	information	NOUN
fbem-7719	65	47	.	.	PUNCT
fbem-7719	66	1	second	second	ADJ
fbem-7719	66	2	,	,	PUNCT
fbem-7719	66	3	a	a	DET
fbem-7719	66	4	special	special	ADJ
fbem-7719	66	5	dispute	dispute	NOUN
fbem-7719	66	6	resolution	resolution	NOUN
fbem-7719	66	7	mechanism	mechanism	NOUN
fbem-7719	66	8	should	should	AUX
fbem-7719	66	9	be	be	AUX
fbem-7719	66	10	set	set	VERB
fbem-7719	66	11	up	up	ADP
fbem-7719	66	12	to	to	PART
fbem-7719	66	13	clarify	clarify	VERB
fbem-7719	66	14	the	the	DET
fbem-7719	66	15	scope	scope	NOUN
fbem-7719	66	16	of	of	ADP
fbem-7719	66	17	dispute	dispute	NOUN
fbem-7719	66	18	resolution	resolution	NOUN
fbem-7719	66	19	,	,	PUNCT
fbem-7719	66	20	hotlines	hotline	NOUN
fbem-7719	66	21	and	and	CCONJ
fbem-7719	66	22	departments	department	NOUN
fbem-7719	66	23	for	for	ADP
fbem-7719	66	24	handling	handle	VERB
fbem-7719	66	25	disputes	dispute	NOUN
fbem-7719	66	26	,	,	PUNCT
fbem-7719	66	27	so	so	SCONJ
fbem-7719	66	28	that	that	SCONJ
fbem-7719	66	29	consumers	consumer	NOUN
fbem-7719	66	30	can	can	AUX
fbem-7719	66	31	easily	easily	ADV
fbem-7719	66	32	seek	seek	VERB
fbem-7719	66	33	help	help	NOUN
fbem-7719	66	34	.	.	PUNCT
fbem-7719	67	1	2.3.3	2.3.3	X
fbem-7719	67	2	.	.	PUNCT
fbem-7719	67	3	implement	implement	VERB
fbem-7719	67	4	fair	fair	ADJ
fbem-7719	67	5	lending	lending	NOUN
fbem-7719	67	6	and	and	CCONJ
fbem-7719	67	7	eliminate	eliminate	VERB
fbem-7719	67	8	discrimination	discrimination	NOUN
fbem-7719	67	9	the	the	DET
fbem-7719	67	10	current	current	ADJ
fbem-7719	67	11	status	status	NOUN
fbem-7719	67	12	of	of	ADP
fbem-7719	67	13	chinese	chinese	ADJ
fbem-7719	67	14	loans	loan	NOUN
fbem-7719	67	15	in	in	ADP
fbem-7719	67	16	various	various	ADJ
fbem-7719	67	17	links	link	NOUN
fbem-7719	67	18	has	have	VERB
fbem-7719	67	19	more	more	ADV
fbem-7719	67	20	or	or	CCONJ
fbem-7719	67	21	less	less	ADJ
fbem-7719	67	22	discrimination	discrimination	NOUN
fbem-7719	67	23	to	to	ADP
fbem-7719	67	24	the	the	DET
fbem-7719	67	25	lender	lender	NOUN
fbem-7719	67	26	.	.	PUNCT
fbem-7719	68	1	china	china	PROPN
fbem-7719	68	2	's	's	PART
fbem-7719	68	3	current	current	ADJ
fbem-7719	68	4	laws	law	NOUN
fbem-7719	68	5	in	in	ADP
fbem-7719	68	6	this	this	DET
fbem-7719	68	7	regard	regard	NOUN
fbem-7719	68	8	are	be	AUX
fbem-7719	68	9	only	only	ADV
fbem-7719	68	10	generally	generally	ADV
fbem-7719	68	11	stipulated	stipulate	VERB
fbem-7719	68	12	in	in	ADP
fbem-7719	68	13	article	article	NOUN
fbem-7719	68	14	26	26	NUM
fbem-7719	68	15	of	of	ADP
fbem-7719	68	16	the	the	DET
fbem-7719	68	17	measures	measure	NOUN
fbem-7719	68	18	for	for	ADP
fbem-7719	68	19	the	the	DET
fbem-7719	68	20	protection	protection	NOUN
fbem-7719	68	21	of	of	ADP
fbem-7719	68	22	the	the	DET
fbem-7719	68	23	rights	right	NOUN
fbem-7719	68	24	and	and	CCONJ
fbem-7719	68	25	interests	interest	NOUN
fbem-7719	68	26	of	of	ADP
fbem-7719	68	27	financial	financial	ADJ
fbem-7719	68	28	consumers	consumer	NOUN
fbem-7719	68	29	of	of	ADP
fbem-7719	68	30	the	the	DET
fbem-7719	68	31	people	people	NOUN
fbem-7719	68	32	's	's	PART
fbem-7719	68	33	bank	bank	PROPN
fbem-7719	68	34	of	of	ADP
fbem-7719	68	35	china	china	PROPN
fbem-7719	68	36	.	.	PUNCT
fbem-7719	69	1	so	so	ADV
fbem-7719	69	2	we	we	PRON
fbem-7719	69	3	set	set	VERB
fbem-7719	69	4	up	up	ADP
fbem-7719	69	5	a	a	DET
fbem-7719	69	6	clear	clear	ADJ
fbem-7719	69	7	law	law	NOUN
fbem-7719	69	8	to	to	PART
fbem-7719	69	9	prevent	prevent	VERB
fbem-7719	69	10	discrimination	discrimination	NOUN
fbem-7719	69	11	.	.	PUNCT
fbem-7719	70	1	2.3.4	2.3.4	X
fbem-7719	70	2	.	.	PUNCT
fbem-7719	70	3	accelerate	accelerate	VERB
fbem-7719	70	4	the	the	DET
fbem-7719	70	5	popularization	popularization	NOUN
fbem-7719	70	6	of	of	ADP
fbem-7719	70	7	financial	financial	ADJ
fbem-7719	70	8	knowledge	knowledge	NOUN
fbem-7719	70	9	and	and	CCONJ
fbem-7719	70	10	teach	teach	VERB
fbem-7719	70	11	students	student	NOUN
fbem-7719	70	12	according	accord	VERB
fbem-7719	70	13	to	to	ADP
fbem-7719	70	14	their	their	PRON
fbem-7719	70	15	aptitude	aptitude	NOUN
fbem-7719	70	16	at	at	ADP
fbem-7719	70	17	present	present	ADJ
fbem-7719	70	18	,	,	PUNCT
fbem-7719	70	19	the	the	DET
fbem-7719	70	20	financial	financial	ADJ
fbem-7719	70	21	consumer	consumer	NOUN
fbem-7719	70	22	generally	generally	ADV
fbem-7719	70	23	has	have	VERB
fbem-7719	70	24	the	the	DET
fbem-7719	70	25	problem	problem	NOUN
fbem-7719	70	26	of	of	ADP
fbem-7719	70	27	lack	lack	NOUN
fbem-7719	70	28	of	of	ADP
fbem-7719	70	29	financial	financial	ADJ
fbem-7719	70	30	professional	professional	ADJ
fbem-7719	70	31	knowledge	knowledge	NOUN
fbem-7719	70	32	,	,	PUNCT
fbem-7719	70	33	because	because	SCONJ
fbem-7719	70	34	of	of	ADP
fbem-7719	70	35	increasing	increase	VERB
fbem-7719	70	36	the	the	DET
fbem-7719	70	37	popularization	popularization	NOUN
fbem-7719	70	38	of	of	ADP
fbem-7719	70	39	financial	financial	ADJ
fbem-7719	70	40	knowledge	knowledge	NOUN
fbem-7719	70	41	and	and	CCONJ
fbem-7719	70	42	integrating	integrate	VERB
fbem-7719	70	43	financial	financial	ADJ
fbem-7719	70	44	knowledge	knowledge	NOUN
fbem-7719	70	45	into	into	ADP
fbem-7719	70	46	quality	quality	NOUN
fbem-7719	70	47	education	education	NOUN
fbem-7719	70	48	,	,	PUNCT
fbem-7719	70	49	reduce	reduce	VERB
fbem-7719	70	50	unnecessary	unnecessary	ADJ
fbem-7719	70	51	disputes	dispute	NOUN
fbem-7719	70	52	,	,	PUNCT
fbem-7719	70	53	the	the	DET
fbem-7719	70	54	financial	financial	ADJ
fbem-7719	70	55	market	market	NOUN
fbem-7719	70	56	develops	develop	VERB
fbem-7719	70	57	more	more	ADV
fbem-7719	70	58	steadily	steadily	ADV
fbem-7719	70	59	.	.	PUNCT
fbem-7719	71	1	3	3	X
fbem-7719	71	2	.	.	X
fbem-7719	71	3	current	current	ADJ
fbem-7719	71	4	situation	situation	NOUN
fbem-7719	71	5	of	of	ADP
fbem-7719	71	6	financial	financial	ADJ
fbem-7719	71	7	consumer	consumer	NOUN
fbem-7719	71	8	rights	right	NOUN
fbem-7719	71	9	protection	protection	NOUN
fbem-7719	71	10	in	in	ADP
fbem-7719	71	11	japan	japan	PROPN
fbem-7719	71	12	3.1	3.1	NUM
fbem-7719	71	13	.	.	PUNCT
fbem-7719	72	1	current	current	ADJ
fbem-7719	72	2	situation	situation	NOUN
fbem-7719	72	3	of	of	ADP
fbem-7719	72	4	financial	financial	ADJ
fbem-7719	72	5	consumer	consumer	NOUN
fbem-7719	72	6	rights	right	NOUN
fbem-7719	72	7	protection	protection	NOUN
fbem-7719	72	8	in	in	ADP
fbem-7719	72	9	japan	japan	PROPN
fbem-7719	72	10	3.1.1	3.1.1	NUM
fbem-7719	72	11	.	.	PUNCT
fbem-7719	73	1	regulatory	regulatory	ADJ
fbem-7719	73	2	system	system	NOUN
fbem-7719	73	3	(	(	PUNCT
fbem-7719	73	4	1	1	X
fbem-7719	73	5	)	)	PUNCT
fbem-7719	73	6	strengthen	strengthen	VERB
fbem-7719	73	7	the	the	DET
fbem-7719	73	8	information	information	NOUN
fbem-7719	73	9	transparency	transparency	NOUN
fbem-7719	73	10	of	of	ADP
fbem-7719	73	11	financial	financial	ADJ
fbem-7719	73	12	institutions	institution	NOUN
fbem-7719	73	13	in	in	ADP
fbem-7719	73	14	order	order	NOUN
fbem-7719	73	15	to	to	PART
fbem-7719	73	16	strengthen	strengthen	VERB
fbem-7719	73	17	information	information	NOUN
fbem-7719	73	18	disclosure	disclosure	NOUN
fbem-7719	73	19	and	and	CCONJ
fbem-7719	73	20	improve	improve	VERB
fbem-7719	73	21	market	market	NOUN
fbem-7719	73	22	transparency	transparency	NOUN
fbem-7719	73	23	,	,	PUNCT
fbem-7719	73	24	the	the	DET
fbem-7719	73	25	financial	financial	PROPN
fbem-7719	73	26	services	service	NOUN
fbem-7719	73	27	agency	agency	PROPN
fbem-7719	73	28	of	of	ADP
fbem-7719	73	29	japan	japan	PROPN
fbem-7719	73	30	has	have	AUX
fbem-7719	73	31	formulated	formulate	VERB
fbem-7719	73	32	relevant	relevant	ADJ
fbem-7719	73	33	regulations	regulation	NOUN
fbem-7719	73	34	,	,	PUNCT
fbem-7719	73	35	such	such	ADJ
fbem-7719	73	36	as	as	ADP
fbem-7719	73	37	reviewing	review	VERB
fbem-7719	73	38	the	the	DET
fbem-7719	73	39	assets	asset	NOUN
fbem-7719	73	40	related	relate	VERB
fbem-7719	73	41	to	to	ADP
fbem-7719	73	42	financial	financial	ADJ
fbem-7719	73	43	institutions	institution	NOUN
fbem-7719	73	44	and	and	CCONJ
fbem-7719	73	45	requiring	require	VERB
fbem-7719	73	46	them	they	PRON
fbem-7719	73	47	to	to	PART
fbem-7719	73	48	strengthen	strengthen	VERB
fbem-7719	73	49	risk	risk	NOUN
fbem-7719	73	50	management	management	NOUN
fbem-7719	73	51	,	,	PUNCT
fbem-7719	73	52	so	so	SCONJ
fbem-7719	73	53	as	as	SCONJ
fbem-7719	73	54	to	to	PART
fbem-7719	73	55	give	give	VERB
fbem-7719	73	56	investors	investor	NOUN
fbem-7719	73	57	stable	stable	ADJ
fbem-7719	73	58	expectations	expectation	NOUN
fbem-7719	73	59	,	,	PUNCT
fbem-7719	73	60	protect	protect	VERB
fbem-7719	73	61	the	the	DET
fbem-7719	73	62	rights	right	NOUN
fbem-7719	73	63	and	and	CCONJ
fbem-7719	73	64	interests	interest	NOUN
fbem-7719	73	65	of	of	ADP
fbem-7719	73	66	financial	financial	ADJ
fbem-7719	73	67	consumers	consumer	NOUN
fbem-7719	73	68	and	and	CCONJ
fbem-7719	73	69	maintain	maintain	VERB
fbem-7719	73	70	market	market	NOUN
fbem-7719	73	71	stability	stability	NOUN
fbem-7719	73	72	.	.	PUNCT
fbem-7719	74	1	(	(	PUNCT
fbem-7719	74	2	2	2	X
fbem-7719	74	3	)	)	PUNCT
fbem-7719	74	4	improve	improve	VERB
fbem-7719	74	5	the	the	DET
fbem-7719	74	6	financial	financial	ADJ
fbem-7719	74	7	supervision	supervision	NOUN
fbem-7719	74	8	system	system	NOUN
fbem-7719	74	9	after	after	SCONJ
fbem-7719	74	10	japan	japan	PROPN
fbem-7719	74	11	improved	improve	VERB
fbem-7719	74	12	its	its	PRON
fbem-7719	74	13	financial	financial	ADJ
fbem-7719	74	14	supervision	supervision	NOUN
fbem-7719	74	15	system	system	NOUN
fbem-7719	74	16	in	in	ADP
fbem-7719	74	17	2007	2007	NUM
fbem-7719	74	18	,	,	PUNCT
fbem-7719	74	19	the	the	DET
fbem-7719	74	20	administrative	administrative	ADJ
fbem-7719	74	21	process	process	NOUN
fbem-7719	74	22	of	of	ADP
fbem-7719	74	23	financial	financial	ADJ
fbem-7719	74	24	supervision	supervision	NOUN
fbem-7719	74	25	has	have	AUX
fbem-7719	74	26	been	be	AUX
fbem-7719	74	27	simplified	simplify	VERB
fbem-7719	74	28	and	and	CCONJ
fbem-7719	74	29	great	great	ADJ
fbem-7719	74	30	progress	progress	NOUN
fbem-7719	74	31	has	have	AUX
fbem-7719	74	32	been	be	AUX
fbem-7719	74	33	made	make	VERB
fbem-7719	74	34	in	in	ADP
fbem-7719	74	35	the	the	DET
fbem-7719	74	36	institutional	institutional	ADJ
fbem-7719	74	37	transformation	transformation	NOUN
fbem-7719	74	38	.	.	PUNCT
fbem-7719	75	1	compared	compare	VERB
fbem-7719	75	2	with	with	ADP
fbem-7719	75	3	before	before	ADV
fbem-7719	75	4	,	,	PUNCT
fbem-7719	75	5	japan	japan	PROPN
fbem-7719	75	6	's	's	PART
fbem-7719	75	7	financial	financial	ADJ
fbem-7719	75	8	supervision	supervision	NOUN
fbem-7719	75	9	is	be	AUX
fbem-7719	75	10	more	more	ADV
fbem-7719	75	11	open	open	ADJ
fbem-7719	75	12	,	,	PUNCT
fbem-7719	75	13	market	market	NOUN
fbem-7719	75	14	-	-	PUNCT
fbem-7719	75	15	oriented	orient	VERB
fbem-7719	75	16	,	,	PUNCT
fbem-7719	75	17	institutional	institutional	ADJ
fbem-7719	75	18	and	and	CCONJ
fbem-7719	75	19	transparent	transparent	ADJ
fbem-7719	75	20	in	in	ADP
fbem-7719	75	21	information	information	NOUN
fbem-7719	75	22	.	.	PUNCT
fbem-7719	76	1	the	the	DET
fbem-7719	76	2	improvement	improvement	NOUN
fbem-7719	76	3	of	of	ADP
fbem-7719	76	4	the	the	DET
fbem-7719	76	5	regulatory	regulatory	ADJ
fbem-7719	76	6	system	system	NOUN
fbem-7719	76	7	is	be	AUX
fbem-7719	76	8	more	more	ADV
fbem-7719	76	9	conducive	conducive	ADJ
fbem-7719	76	10	to	to	ADP
fbem-7719	76	11	the	the	DET
fbem-7719	76	12	regulation	regulation	NOUN
fbem-7719	76	13	and	and	CCONJ
fbem-7719	76	14	restraint	restraint	NOUN
fbem-7719	76	15	of	of	ADP
fbem-7719	76	16	various	various	ADJ
fbem-7719	76	17	financial	financial	ADJ
fbem-7719	76	18	institutions	institution	NOUN
fbem-7719	76	19	,	,	PUNCT
fbem-7719	76	20	and	and	CCONJ
fbem-7719	76	21	plays	play	VERB
fbem-7719	76	22	a	a	DET
fbem-7719	76	23	great	great	ADJ
fbem-7719	76	24	role	role	NOUN
fbem-7719	76	25	in	in	ADP
fbem-7719	76	26	promoting	promote	VERB
fbem-7719	76	27	the	the	DET
fbem-7719	76	28	protection	protection	NOUN
fbem-7719	76	29	of	of	ADP
fbem-7719	76	30	the	the	DET
fbem-7719	76	31	rights	right	NOUN
fbem-7719	76	32	and	and	CCONJ
fbem-7719	76	33	interests	interest	NOUN
fbem-7719	76	34	of	of	ADP
fbem-7719	76	35	financial	financial	ADJ
fbem-7719	76	36	consumers	consumer	NOUN
fbem-7719	76	37	.	.	PUNCT
fbem-7719	77	1	3.1.2	3.1.2	X
fbem-7719	77	2	.	.	PUNCT
fbem-7719	77	3	legislation	legislation	NOUN
fbem-7719	77	4	after	after	ADP
fbem-7719	77	5	the	the	DET
fbem-7719	77	6	implementation	implementation	NOUN
fbem-7719	77	7	of	of	ADP
fbem-7719	77	8	the	the	DET
fbem-7719	77	9	law	law	NOUN
fbem-7719	77	10	on	on	ADP
fbem-7719	77	11	the	the	DET
fbem-7719	77	12	sale	sale	NOUN
fbem-7719	77	13	of	of	ADP
fbem-7719	77	14	financial	financial	ADJ
fbem-7719	77	15	commodities	commodity	NOUN
fbem-7719	77	16	in	in	ADP
fbem-7719	77	17	2001	2001	NUM
fbem-7719	77	18	,	,	PUNCT
fbem-7719	77	19	japan	japan	PROPN
fbem-7719	77	20	broke	break	VERB
fbem-7719	77	21	through	through	ADP
fbem-7719	77	22	the	the	DET
fbem-7719	77	23	traditional	traditional	ADJ
fbem-7719	77	24	legislative	legislative	ADJ
fbem-7719	77	25	mode	mode	NOUN
fbem-7719	77	26	.	.	PUNCT
fbem-7719	78	1	its	its	PRON
fbem-7719	78	2	starting	starting	NOUN
fbem-7719	78	3	point	point	NOUN
fbem-7719	78	4	is	be	AUX
fbem-7719	78	5	financial	financial	ADJ
fbem-7719	78	6	consumers	consumer	NOUN
fbem-7719	78	7	,	,	PUNCT
fbem-7719	78	8	which	which	PRON
fbem-7719	78	9	is	be	AUX
fbem-7719	78	10	completely	completely	ADV
fbem-7719	78	11	different	different	ADJ
fbem-7719	78	12	from	from	ADP
fbem-7719	78	13	the	the	DET
fbem-7719	78	14	former	former	ADJ
fbem-7719	78	15	financial	financial	ADJ
fbem-7719	78	16	institutions	institution	NOUN
fbem-7719	78	17	such	such	ADJ
fbem-7719	78	18	as	as	ADP
fbem-7719	78	19	banks	bank	NOUN
fbem-7719	78	20	,	,	PUNCT
fbem-7719	78	21	insurance	insurance	NOUN
fbem-7719	78	22	companies	company	NOUN
fbem-7719	78	23	and	and	CCONJ
fbem-7719	78	24	securities	security	NOUN
fbem-7719	78	25	institutions	institution	NOUN
fbem-7719	78	26	,	,	PUNCT
fbem-7719	78	27	and	and	CCONJ
fbem-7719	78	28	comprehensively	comprehensively	ADV
fbem-7719	78	29	broke	break	VERB
fbem-7719	78	30	through	through	ADP
fbem-7719	78	31	the	the	DET
fbem-7719	78	32	boundaries	boundary	NOUN
fbem-7719	78	33	of	of	ADP
fbem-7719	78	34	operating	operate	VERB
fbem-7719	78	35	subjects	subject	NOUN
fbem-7719	78	36	and	and	CCONJ
fbem-7719	78	37	business	business	NOUN
fbem-7719	78	38	of	of	ADP
fbem-7719	78	39	financial	financial	ADJ
fbem-7719	78	40	markets	market	NOUN
fbem-7719	78	41	.	.	PUNCT
fbem-7719	79	1	from	from	ADP
fbem-7719	79	2	the	the	DET
fbem-7719	79	3	perspective	perspective	NOUN
fbem-7719	79	4	of	of	ADP
fbem-7719	79	5	financial	financial	ADJ
fbem-7719	79	6	consumers	consumer	NOUN
fbem-7719	79	7	,	,	PUNCT
fbem-7719	79	8	it	it	PRON
fbem-7719	79	9	is	be	AUX
fbem-7719	79	10	easier	easy	ADJ
fbem-7719	79	11	to	to	PART
fbem-7719	79	12	consider	consider	VERB
fbem-7719	79	13	the	the	DET
fbem-7719	79	14	problems	problem	NOUN
fbem-7719	79	15	of	of	ADP
fbem-7719	79	16	consumers	consumer	NOUN
fbem-7719	79	17	,	,	PUNCT
fbem-7719	79	18	which	which	PRON
fbem-7719	79	19	is	be	AUX
fbem-7719	79	20	to	to	PART
fbem-7719	79	21	pay	pay	VERB
fbem-7719	79	22	attention	attention	NOUN
fbem-7719	79	23	to	to	ADP
fbem-7719	79	24	the	the	DET
fbem-7719	79	25	protection	protection	NOUN
fbem-7719	79	26	of	of	ADP
fbem-7719	79	27	their	their	PRON
fbem-7719	79	28	rights	right	NOUN
fbem-7719	79	29	and	and	CCONJ
fbem-7719	79	30	interests	interest	NOUN
fbem-7719	79	31	.	.	PUNCT
fbem-7719	80	1	3.1.3	3.1.3	X
fbem-7719	80	2	.	.	PUNCT
fbem-7719	80	3	adr	adr	PROPN
fbem-7719	80	4	dispute	dispute	NOUN
fbem-7719	80	5	mediation	mediation	NOUN
fbem-7719	80	6	mechanism	mechanism	NOUN
fbem-7719	80	7	in	in	ADP
fbem-7719	80	8	2009	2009	NUM
fbem-7719	80	9	,	,	PUNCT
fbem-7719	80	10	the	the	DET
fbem-7719	80	11	japanese	japanese	ADJ
fbem-7719	80	12	parliament	parliament	NOUN
fbem-7719	80	13	passed	pass	VERB
fbem-7719	80	14	the	the	DET
fbem-7719	80	15	financial	financial	ADJ
fbem-7719	80	16	adr	adr	PROPN
fbem-7719	80	17	law	law	PROPN
fbem-7719	80	18	,	,	PUNCT
fbem-7719	80	19	which	which	PRON
fbem-7719	80	20	created	create	VERB
fbem-7719	80	21	a	a	DET
fbem-7719	80	22	new	new	ADJ
fbem-7719	80	23	industrial	industrial	ADJ
fbem-7719	80	24	dispute	dispute	NOUN
fbem-7719	80	25	mediation	mediation	NOUN
fbem-7719	80	26	mechanism	mechanism	NOUN
fbem-7719	80	27	,	,	PUNCT
fbem-7719	80	28	fos	fos	NOUN
fbem-7719	80	29	mechanism	mechanism	NOUN
fbem-7719	80	30	.	.	PUNCT
fbem-7719	81	1	the	the	DET
fbem-7719	81	2	purpose	purpose	NOUN
fbem-7719	81	3	of	of	ADP
fbem-7719	81	4	this	this	DET
fbem-7719	81	5	move	move	NOUN
fbem-7719	81	6	is	be	AUX
fbem-7719	81	7	to	to	PART
fbem-7719	81	8	form	form	VERB
fbem-7719	81	9	the	the	DET
fbem-7719	81	10	basis	basis	NOUN
fbem-7719	81	11	for	for	ADP
fbem-7719	81	12	dispute	dispute	NOUN
fbem-7719	81	13	mediation	mediation	NOUN
fbem-7719	81	14	in	in	ADP
fbem-7719	81	15	various	various	ADJ
fbem-7719	81	16	industries	industry	NOUN
fbem-7719	81	17	,	,	PUNCT
fbem-7719	81	18	which	which	PRON
fbem-7719	81	19	can	can	AUX
fbem-7719	81	20	eventually	eventually	ADV
fbem-7719	81	21	be	be	AUX
fbem-7719	81	22	linked	link	VERB
fbem-7719	81	23	into	into	ADP
fbem-7719	81	24	a	a	DET
fbem-7719	81	25	complete	complete	ADJ
fbem-7719	81	26	complex	complex	ADJ
fbem-7719	81	27	fos	fos	NOUN
fbem-7719	81	28	system	system	NOUN
fbem-7719	81	29	.	.	PUNCT
fbem-7719	82	1	in	in	ADP
fbem-7719	82	2	terms	term	NOUN
fbem-7719	82	3	of	of	ADP
fbem-7719	82	4	finance	finance	NOUN
fbem-7719	82	5	,	,	PUNCT
fbem-7719	82	6	after	after	ADP
fbem-7719	82	7	the	the	DET
fbem-7719	82	8	creation	creation	NOUN
fbem-7719	82	9	of	of	ADP
fbem-7719	82	10	financial	financial	ADJ
fbem-7719	82	11	consumers	consumer	NOUN
fbem-7719	82	12	,	,	PUNCT
fbem-7719	82	13	they	they	PRON
fbem-7719	82	14	will	will	AUX
fbem-7719	82	15	have	have	VERB
fbem-7719	82	16	closer	close	ADJ
fbem-7719	82	17	,	,	PUNCT
fbem-7719	82	18	more	more	ADV
fbem-7719	82	19	diversified	diversified	ADJ
fbem-7719	82	20	and	and	CCONJ
fbem-7719	82	21	more	more	ADJ
fbem-7719	82	22	professional	professional	ADJ
fbem-7719	82	23	mechanisms	mechanism	NOUN
fbem-7719	82	24	to	to	PART
fbem-7719	82	25	solve	solve	VERB
fbem-7719	82	26	the	the	DET
fbem-7719	82	27	problems	problem	NOUN
fbem-7719	82	28	they	they	PRON
fbem-7719	82	29	encounter	encounter	VERB
fbem-7719	82	30	more	more	ADV
fbem-7719	82	31	efficiently	efficiently	ADV
fbem-7719	82	32	and	and	CCONJ
fbem-7719	82	33	in	in	ADP
fbem-7719	82	34	higher	high	ADJ
fbem-7719	82	35	quality	quality	NOUN
fbem-7719	82	36	,	,	PUNCT
fbem-7719	82	37	thus	thus	ADV
fbem-7719	82	38	promoting	promote	VERB
fbem-7719	82	39	the	the	DET
fbem-7719	82	40	protection	protection	NOUN
fbem-7719	82	41	of	of	ADP
fbem-7719	82	42	the	the	DET
fbem-7719	82	43	rights	right	NOUN
fbem-7719	82	44	and	and	CCONJ
fbem-7719	82	45	interests	interest	NOUN
fbem-7719	82	46	of	of	ADP
fbem-7719	82	47	financial	financial	ADJ
fbem-7719	82	48	consumers	consumer	NOUN
fbem-7719	82	49	.	.	PUNCT
fbem-7719	83	1	3.1.4	3.1.4	NUM
fbem-7719	83	2	.	.	PUNCT
fbem-7719	84	1	education	education	NOUN
fbem-7719	84	2	(	(	PUNCT
fbem-7719	84	3	1	1	X
fbem-7719	84	4	)	)	PUNCT
fbem-7719	84	5	legal	legal	ADJ
fbem-7719	84	6	provisions	provision	NOUN
fbem-7719	84	7	for	for	ADP
fbem-7719	84	8	financial	financial	ADJ
fbem-7719	84	9	education	education	NOUN
fbem-7719	84	10	in	in	ADP
fbem-7719	84	11	2000	2000	NUM
fbem-7719	84	12	,	,	PUNCT
fbem-7719	84	13	the	the	DET
fbem-7719	84	14	financial	financial	ADJ
fbem-7719	84	15	system	system	NOUN
fbem-7719	84	16	commission	commission	PROPN
fbem-7719	84	17	of	of	ADP
fbem-7719	84	18	japan	japan	PROPN
fbem-7719	84	19	stressed	stress	VERB
fbem-7719	84	20	the	the	DET
fbem-7719	84	21	importance	importance	NOUN
fbem-7719	84	22	of	of	ADP
fbem-7719	84	23	financial	financial	ADJ
fbem-7719	84	24	education	education	NOUN
fbem-7719	84	25	in	in	ADP
fbem-7719	84	26	its	its	PRON
fbem-7719	84	27	new	new	ADJ
fbem-7719	84	28	financial	financial	ADJ
fbem-7719	84	29	construction	construction	NOUN
fbem-7719	84	30	for	for	ADP
fbem-7719	84	31	the	the	DET
fbem-7719	84	32	21st	21st	ADJ
fbem-7719	84	33	century	century	NOUN
fbem-7719	84	34	.	.	PUNCT
fbem-7719	85	1	the	the	DET
fbem-7719	85	2	report	report	NOUN
fbem-7719	85	3	pointed	point	VERB
fbem-7719	85	4	out	out	ADP
fbem-7719	85	5	that	that	SCONJ
fbem-7719	85	6	it	it	PRON
fbem-7719	85	7	is	be	AUX
fbem-7719	85	8	crucial	crucial	ADJ
fbem-7719	85	9	to	to	PART
fbem-7719	85	10	carry	carry	VERB
fbem-7719	85	11	out	out	ADP
fbem-7719	85	12	financial	financial	ADJ
fbem-7719	85	13	education	education	NOUN
fbem-7719	85	14	systematically	systematically	ADV
fbem-7719	85	15	and	and	CCONJ
fbem-7719	85	16	efficiently	efficiently	ADV
fbem-7719	85	17	.	.	PUNCT
fbem-7719	86	1	besides	besides	SCONJ
fbem-7719	86	2	the	the	DET
fbem-7719	86	3	central	central	ADJ
fbem-7719	86	4	savings	saving	NOUN
fbem-7719	86	5	information	information	PROPN
fbem-7719	86	6	commission	commission	PROPN
fbem-7719	86	7	and	and	CCONJ
fbem-7719	86	8	local	local	ADJ
fbem-7719	86	9	savings	saving	NOUN
fbem-7719	86	10	information	information	PROPN
fbem-7719	86	11	commission	commission	PROPN
fbem-7719	86	12	,	,	PUNCT
fbem-7719	86	13	the	the	DET
fbem-7719	86	14	business	business	NOUN
fbem-7719	86	15	community	community	NOUN
fbem-7719	86	16	,	,	PUNCT
fbem-7719	86	17	consumer	consumer	NOUN
fbem-7719	86	18	groups	group	NOUN
fbem-7719	86	19	,	,	PUNCT
fbem-7719	86	20	local	local	ADJ
fbem-7719	86	21	governments	government	NOUN
fbem-7719	86	22	and	and	CCONJ
fbem-7719	86	23	relevant	relevant	ADJ
fbem-7719	86	24	ministries	ministry	NOUN
fbem-7719	86	25	and	and	CCONJ
fbem-7719	86	26	commissions	commission	NOUN
fbem-7719	86	27	are	be	AUX
fbem-7719	86	28	also	also	ADV
fbem-7719	86	29	required	require	VERB
fbem-7719	86	30	to	to	PART
fbem-7719	86	31	participate	participate	VERB
fbem-7719	86	32	in	in	ADP
fbem-7719	86	33	financial	financial	ADJ
fbem-7719	86	34	education	education	NOUN
fbem-7719	86	35	.	.	PUNCT
fbem-7719	87	1	(	(	PUNCT
fbem-7719	87	2	2	2	X
fbem-7719	87	3	)	)	PUNCT
fbem-7719	87	4	financial	financial	ADJ
fbem-7719	87	5	education	education	NOUN
fbem-7719	87	6	is	be	AUX
fbem-7719	87	7	led	lead	VERB
fbem-7719	87	8	by	by	ADP
fbem-7719	87	9	the	the	DET
fbem-7719	87	10	government	government	NOUN
fbem-7719	87	11	and	and	CCONJ
fbem-7719	87	12	promoted	promote	VERB
fbem-7719	87	13	by	by	ADP
fbem-7719	87	14	other	other	ADJ
fbem-7719	87	15	sectors	sector	NOUN
fbem-7719	87	16	japan	japan	PROPN
fbem-7719	87	17	sets	set	VERB
fbem-7719	87	18	up	up	ADP
fbem-7719	87	19	a	a	DET
fbem-7719	87	20	special	special	ADJ
fbem-7719	87	21	agency	agency	NOUN
fbem-7719	87	22	responsible	responsible	ADJ
fbem-7719	87	23	for	for	ADP
fbem-7719	87	24	financial	financial	ADJ
fbem-7719	87	25	education	education	NOUN
fbem-7719	87	26	.	.	PUNCT
fbem-7719	88	1	in	in	ADP
fbem-7719	88	2	japan	japan	PROPN
fbem-7719	88	3	,	,	PUNCT
fbem-7719	88	4	the	the	DET
fbem-7719	88	5	central	central	ADJ
fbem-7719	88	6	financial	financial	ADJ
fbem-7719	88	7	services	services	PROPN
fbem-7719	88	8	information	information	PROPN
fbem-7719	88	9	commission	commission	PROPN
fbem-7719	88	10	,	,	PUNCT
fbem-7719	88	11	the	the	DET
fbem-7719	88	12	financial	financial	PROPN
fbem-7719	88	13	services	service	NOUN
fbem-7719	88	14	agency	agency	NOUN
fbem-7719	88	15	,	,	PUNCT
fbem-7719	88	16	the	the	DET
fbem-7719	88	17	cabinet	cabinet	NOUN
fbem-7719	88	18	office	office	NOUN
fbem-7719	88	19	,	,	PUNCT
fbem-7719	88	20	the	the	DET
fbem-7719	88	21	ministry	ministry	PROPN
fbem-7719	88	22	of	of	ADP
fbem-7719	88	23	education	education	PROPN
fbem-7719	88	24	,	,	PUNCT
fbem-7719	88	25	culture	culture	NOUN
fbem-7719	88	26	,	,	PUNCT
fbem-7719	88	27	sports	sport	NOUN
fbem-7719	88	28	,	,	PUNCT
fbem-7719	88	29	science	science	NOUN
fbem-7719	88	30	and	and	CCONJ
fbem-7719	88	31	technology	technology	NOUN
fbem-7719	88	32	,	,	PUNCT
fbem-7719	88	33	industry	industry	NOUN
fbem-7719	88	34	associations	association	NOUN
fbem-7719	88	35	,	,	PUNCT
fbem-7719	88	36	related	related	ADJ
fbem-7719	88	37	organizations	organization	NOUN
fbem-7719	88	38	,	,	PUNCT
fbem-7719	88	39	and	and	CCONJ
fbem-7719	88	40	private	private	ADJ
fbem-7719	88	41	organizations	organization	NOUN
fbem-7719	88	42	are	be	AUX
fbem-7719	88	43	working	work	VERB
fbem-7719	88	44	together	together	ADV
fbem-7719	88	45	to	to	PART
fbem-7719	88	46	promote	promote	VERB
fbem-7719	88	47	financial	financial	ADJ
fbem-7719	88	48	education	education	NOUN
fbem-7719	88	49	.	.	PUNCT
fbem-7719	89	1	(	(	PUNCT
fbem-7719	89	2	3	3	X
fbem-7719	89	3	)	)	PUNCT
fbem-7719	89	4	integrate	integrate	VERB
fbem-7719	89	5	financial	financial	ADJ
fbem-7719	89	6	education	education	NOUN
fbem-7719	89	7	into	into	ADP
fbem-7719	89	8	the	the	DET
fbem-7719	89	9	school	school	NOUN
fbem-7719	89	10	system	system	NOUN
fbem-7719	89	11	curriculum	curriculum	NOUN
fbem-7719	89	12	japanese	japanese	ADJ
fbem-7719	89	13	schools	school	NOUN
fbem-7719	89	14	have	have	AUX
fbem-7719	89	15	been	be	AUX
fbem-7719	89	16	promoting	promote	VERB
fbem-7719	89	17	savings	saving	NOUN
fbem-7719	89	18	since	since	SCONJ
fbem-7719	89	19	the	the	DET
fbem-7719	89	20	1950s	1950s	NUM
fbem-7719	89	21	.	.	PUNCT
fbem-7719	90	1	in	in	ADP
fbem-7719	90	2	the	the	DET
fbem-7719	90	3	early	early	ADJ
fbem-7719	90	4	20th	20th	ADJ
fbem-7719	90	5	century	century	NOUN
fbem-7719	90	6	,	,	PUNCT
fbem-7719	90	7	financial	financial	ADJ
fbem-7719	90	8	education	education	NOUN
fbem-7719	90	9	was	be	AUX
fbem-7719	90	10	formally	formally	ADV
fbem-7719	90	11	incorporated	incorporate	VERB
fbem-7719	90	12	into	into	ADP
fbem-7719	90	13	the	the	DET
fbem-7719	90	14	school	school	NOUN
fbem-7719	90	15	curriculum	curriculum	NOUN
fbem-7719	90	16	.	.	PUNCT
fbem-7719	91	1	3.2	3.2	NUM
fbem-7719	91	2	.	.	PUNCT
fbem-7719	91	3	problems	problem	NOUN
fbem-7719	91	4	existing	exist	VERB
fbem-7719	91	5	in	in	ADP
fbem-7719	91	6	the	the	DET
fbem-7719	91	7	protection	protection	NOUN
fbem-7719	91	8	of	of	ADP
fbem-7719	91	9	financial	financial	ADJ
fbem-7719	91	10	consumer	consumer	NOUN
fbem-7719	91	11	rights	right	NOUN
fbem-7719	91	12	in	in	ADP
fbem-7719	91	13	japan	japan	PROPN
fbem-7719	91	14	3.2.1	3.2.1	NUM
fbem-7719	91	15	.	.	PUNCT
fbem-7719	91	16	excessive	excessive	ADJ
fbem-7719	91	17	concentration	concentration	NOUN
fbem-7719	91	18	of	of	ADP
fbem-7719	91	19	regulatory	regulatory	ADJ
fbem-7719	91	20	power	power	NOUN
fbem-7719	91	21	at	at	ADP
fbem-7719	91	22	present	present	ADJ
fbem-7719	91	23	,	,	PUNCT
fbem-7719	91	24	japan	japan	PROPN
fbem-7719	91	25	implements	implement	VERB
fbem-7719	91	26	a	a	DET
fbem-7719	91	27	regulatory	regulatory	ADJ
fbem-7719	91	28	system	system	NOUN
fbem-7719	91	29	with	with	ADP
fbem-7719	91	30	multiple	multiple	ADJ
fbem-7719	91	31	macro	macro	ADJ
fbem-7719	91	32	-	-	ADJ
fbem-7719	91	33	prudential	prudential	ADJ
fbem-7719	91	34	regulators	regulator	NOUN
fbem-7719	91	35	coexisting	coexist	VERB
fbem-7719	91	36	with	with	ADP
fbem-7719	91	37	the	the	DET
fbem-7719	91	38	financial	financial	ADJ
fbem-7719	91	39	services	service	NOUN
fbem-7719	91	40	agency	agency	NOUN
fbem-7719	91	41	as	as	ADP
fbem-7719	91	42	the	the	DET
fbem-7719	91	43	core	core	NOUN
fbem-7719	91	44	.	.	PUNCT
fbem-7719	92	1	in	in	ADP
fbem-7719	92	2	this	this	DET
fbem-7719	92	3	regulatory	regulatory	ADJ
fbem-7719	92	4	model	model	NOUN
fbem-7719	92	5	,	,	PUNCT
fbem-7719	92	6	the	the	DET
fbem-7719	92	7	regulatory	regulatory	ADJ
fbem-7719	92	8	power	power	NOUN
fbem-7719	92	9	is	be	AUX
fbem-7719	92	10	excessively	excessively	ADV
fbem-7719	92	11	concentrated	concentrate	VERB
fbem-7719	92	12	in	in	ADP
fbem-7719	92	13	the	the	DET
fbem-7719	92	14	central	central	ADJ
fbem-7719	92	15	government	government	NOUN
fbem-7719	92	16	,	,	PUNCT
fbem-7719	92	17	which	which	PRON
fbem-7719	92	18	makes	make	VERB
fbem-7719	92	19	the	the	DET
fbem-7719	92	20	central	central	ADJ
fbem-7719	92	21	regulators	regulator	NOUN
fbem-7719	92	22	unable	unable	ADJ
fbem-7719	92	23	to	to	PART
fbem-7719	92	24	handle	handle	VERB
fbem-7719	92	25	the	the	DET
fbem-7719	92	26	illegal	illegal	ADJ
fbem-7719	92	27	activities	activity	NOUN
fbem-7719	92	28	of	of	ADP
fbem-7719	92	29	many	many	ADJ
fbem-7719	92	30	local	local	ADJ
fbem-7719	92	31	financial	financial	ADJ
fbem-7719	92	32	institutions	institution	NOUN
fbem-7719	92	33	.	.	PUNCT
fbem-7719	93	1	3.2.2	3.2.2	X
fbem-7719	93	2	.	.	PUNCT
fbem-7719	94	1	the	the	DET
fbem-7719	94	2	law	law	NOUN
fbem-7719	94	3	is	be	AUX
fbem-7719	94	4	at	at	ADP
fbem-7719	94	5	odds	odd	NOUN
fbem-7719	94	6	with	with	ADP
fbem-7719	94	7	reality	reality	NOUN
fbem-7719	94	8	japanese	japanese	ADJ
fbem-7719	94	9	law	law	NOUN
fbem-7719	94	10	explicitly	explicitly	ADV
fbem-7719	94	11	proposes	propose	VERB
fbem-7719	94	12	to	to	PART
fbem-7719	94	13	protect	protect	VERB
fbem-7719	94	14	ordinary	ordinary	ADJ
fbem-7719	94	15	investors	investor	NOUN
fbem-7719	94	16	as	as	ADP
fbem-7719	94	17	consumers	consumer	NOUN
fbem-7719	94	18	.	.	PUNCT
fbem-7719	95	1	however	however	ADV
fbem-7719	95	2	,	,	PUNCT
fbem-7719	95	3	the	the	DET
fbem-7719	95	4	general	general	ADJ
fbem-7719	95	5	consumer	consumer	NOUN
fbem-7719	95	6	52	52	NUM
fbem-7719	95	7	related	relate	VERB
fbem-7719	95	8	law	law	NOUN
fbem-7719	95	9	has	have	VERB
fbem-7719	95	10	the	the	DET
fbem-7719	95	11	obligation	obligation	NOUN
fbem-7719	95	12	to	to	PART
fbem-7719	95	13	guarantee	guarantee	VERB
fbem-7719	95	14	the	the	DET
fbem-7719	95	15	quality	quality	NOUN
fbem-7719	95	16	of	of	ADP
fbem-7719	95	17	commodities	commodity	NOUN
fbem-7719	95	18	,	,	PUNCT
fbem-7719	95	19	while	while	SCONJ
fbem-7719	95	20	the	the	DET
fbem-7719	95	21	financial	financial	ADJ
fbem-7719	95	22	commodity	commodity	NOUN
fbem-7719	95	23	transaction	transaction	NOUN
fbem-7719	95	24	law	law	NOUN
fbem-7719	95	25	does	do	AUX
fbem-7719	95	26	not	not	PART
fbem-7719	95	27	have	have	VERB
fbem-7719	95	28	the	the	DET
fbem-7719	95	29	obligation	obligation	NOUN
fbem-7719	95	30	to	to	PART
fbem-7719	95	31	guarantee	guarantee	VERB
fbem-7719	95	32	the	the	DET
fbem-7719	95	33	value	value	NOUN
fbem-7719	95	34	of	of	ADP
fbem-7719	95	35	securities	security	NOUN
fbem-7719	95	36	.	.	PUNCT
fbem-7719	96	1	it	it	PRON
fbem-7719	96	2	only	only	ADV
fbem-7719	96	3	provides	provide	VERB
fbem-7719	96	4	investors	investor	NOUN
fbem-7719	96	5	with	with	ADP
fbem-7719	96	6	the	the	DET
fbem-7719	96	7	information	information	NOUN
fbem-7719	96	8	to	to	PART
fbem-7719	96	9	make	make	VERB
fbem-7719	96	10	investment	investment	NOUN
fbem-7719	96	11	judgment	judgment	NOUN
fbem-7719	96	12	,	,	PUNCT
fbem-7719	96	13	and	and	CCONJ
fbem-7719	96	14	takes	take	VERB
fbem-7719	96	15	the	the	DET
fbem-7719	96	16	principle	principle	NOUN
fbem-7719	96	17	of	of	ADP
fbem-7719	96	18	customer	customer	NOUN
fbem-7719	96	19	's	's	PART
fbem-7719	96	20	own	own	ADJ
fbem-7719	96	21	responsibility	responsibility	NOUN
fbem-7719	96	22	as	as	ADP
fbem-7719	96	23	the	the	DET
fbem-7719	96	24	premise	premise	NOUN
fbem-7719	96	25	of	of	ADP
fbem-7719	96	26	concluding	conclude	VERB
fbem-7719	96	27	contracts	contract	NOUN
fbem-7719	96	28	.	.	PUNCT
fbem-7719	97	1	the	the	DET
fbem-7719	97	2	basic	basic	ADJ
fbem-7719	97	3	of	of	ADP
fbem-7719	97	4	realizing	realize	VERB
fbem-7719	97	5	efficient	efficient	ADJ
fbem-7719	97	6	allocation	allocation	NOUN
fbem-7719	97	7	of	of	ADP
fbem-7719	97	8	resources	resource	NOUN
fbem-7719	97	9	in	in	ADP
fbem-7719	97	10	financial	financial	ADJ
fbem-7719	97	11	markets	market	NOUN
fbem-7719	97	12	is	be	AUX
fbem-7719	97	13	that	that	SCONJ
fbem-7719	97	14	the	the	DET
fbem-7719	97	15	competitive	competitive	ADJ
fbem-7719	97	16	price	price	NOUN
fbem-7719	97	17	is	be	AUX
fbem-7719	97	18	determined	determine	VERB
fbem-7719	97	19	by	by	ADP
fbem-7719	97	20	market	market	NOUN
fbem-7719	97	21	transactions	transaction	NOUN
fbem-7719	97	22	.	.	PUNCT
fbem-7719	98	1	therefore	therefore	ADV
fbem-7719	98	2	,	,	PUNCT
fbem-7719	98	3	it	it	PRON
fbem-7719	98	4	is	be	AUX
fbem-7719	98	5	contradictory	contradictory	ADJ
fbem-7719	98	6	to	to	PART
fbem-7719	98	7	ensure	ensure	VERB
fbem-7719	98	8	the	the	DET
fbem-7719	98	9	quality	quality	NOUN
fbem-7719	98	10	of	of	ADP
fbem-7719	98	11	financial	financial	ADJ
fbem-7719	98	12	commodities	commodity	NOUN
fbem-7719	98	13	and	and	CCONJ
fbem-7719	98	14	the	the	DET
fbem-7719	98	15	purpose	purpose	NOUN
fbem-7719	98	16	of	of	ADP
fbem-7719	98	17	the	the	DET
fbem-7719	98	18	financial	financial	ADJ
fbem-7719	98	19	commodities	commodity	NOUN
fbem-7719	98	20	transaction	transaction	NOUN
fbem-7719	98	21	law	law	NOUN
fbem-7719	98	22	-to	-to	SCONJ
fbem-7719	98	23	form	form	VERB
fbem-7719	98	24	fair	fair	ADJ
fbem-7719	98	25	prices	price	NOUN
fbem-7719	98	26	and	and	CCONJ
fbem-7719	98	27	realize	realize	VERB
fbem-7719	98	28	the	the	DET
fbem-7719	98	29	allocation	allocation	NOUN
fbem-7719	98	30	of	of	ADP
fbem-7719	98	31	financial	financial	ADJ
fbem-7719	98	32	resources	resource	NOUN
fbem-7719	98	33	.	.	PUNCT
fbem-7719	99	1	3.3	3.3	NUM
fbem-7719	99	2	.	.	PUNCT
fbem-7719	100	1	enlightenment	enlightenment	NOUN
fbem-7719	100	2	of	of	ADP
fbem-7719	100	3	japanese	japanese	ADJ
fbem-7719	100	4	financial	financial	ADJ
fbem-7719	100	5	consumer	consumer	NOUN
fbem-7719	100	6	rights	right	NOUN
fbem-7719	100	7	protection	protection	NOUN
fbem-7719	100	8	3.3.1	3.3.1	NUM
fbem-7719	100	9	.	.	PUNCT
fbem-7719	101	1	improve	improve	VERB
fbem-7719	101	2	the	the	DET
fbem-7719	101	3	transparency	transparency	NOUN
fbem-7719	101	4	of	of	ADP
fbem-7719	101	5	regulators	regulator	NOUN
fbem-7719	101	6	themselves	themselves	PRON
fbem-7719	101	7	the	the	DET
fbem-7719	101	8	degree	degree	NOUN
fbem-7719	101	9	of	of	ADP
fbem-7719	101	10	disclosure	disclosure	NOUN
fbem-7719	101	11	of	of	ADP
fbem-7719	101	12	regulatory	regulatory	ADJ
fbem-7719	101	13	action	action	NOUN
fbem-7719	101	14	information	information	NOUN
fbem-7719	101	15	will	will	AUX
fbem-7719	101	16	affect	affect	VERB
fbem-7719	101	17	the	the	DET
fbem-7719	101	18	market	market	NOUN
fbem-7719	101	19	and	and	CCONJ
fbem-7719	101	20	institutions	institution	NOUN
fbem-7719	101	21	'	'	PART
fbem-7719	101	22	understanding	understanding	NOUN
fbem-7719	101	23	of	of	ADP
fbem-7719	101	24	the	the	DET
fbem-7719	101	25	country	country	NOUN
fbem-7719	101	26	's	's	PART
fbem-7719	101	27	relevant	relevant	ADJ
fbem-7719	101	28	policy	policy	NOUN
fbem-7719	101	29	intention	intention	NOUN
fbem-7719	101	30	,	,	PUNCT
fbem-7719	101	31	and	and	CCONJ
fbem-7719	101	32	thus	thus	ADV
fbem-7719	101	33	affect	affect	VERB
fbem-7719	101	34	the	the	DET
fbem-7719	101	35	subsequent	subsequent	ADJ
fbem-7719	101	36	regulatory	regulatory	ADJ
fbem-7719	101	37	feedback	feedback	NOUN
fbem-7719	101	38	adjustment	adjustment	NOUN
fbem-7719	101	39	.	.	PUNCT
fbem-7719	102	1	the	the	DET
fbem-7719	102	2	problem	problem	NOUN
fbem-7719	102	3	in	in	ADP
fbem-7719	102	4	our	our	PRON
fbem-7719	102	5	financial	financial	ADJ
fbem-7719	102	6	supervision	supervision	NOUN
fbem-7719	102	7	is	be	AUX
fbem-7719	102	8	the	the	DET
fbem-7719	102	9	lack	lack	NOUN
fbem-7719	102	10	of	of	ADP
fbem-7719	102	11	transparency	transparency	NOUN
fbem-7719	102	12	of	of	ADP
fbem-7719	102	13	information	information	NOUN
fbem-7719	102	14	,	,	PUNCT
fbem-7719	102	15	so	so	CCONJ
fbem-7719	102	16	many	many	ADJ
fbem-7719	102	17	financial	financial	ADJ
fbem-7719	102	18	consumers	consumer	NOUN
fbem-7719	102	19	have	have	VERB
fbem-7719	102	20	no	no	DET
fbem-7719	102	21	way	way	NOUN
fbem-7719	102	22	to	to	PART
fbem-7719	102	23	obtain	obtain	VERB
fbem-7719	102	24	adequate	adequate	ADJ
fbem-7719	102	25	and	and	CCONJ
fbem-7719	102	26	accurate	accurate	ADJ
fbem-7719	102	27	information	information	NOUN
fbem-7719	102	28	.	.	PUNCT
fbem-7719	103	1	in	in	ADP
fbem-7719	103	2	recent	recent	ADJ
fbem-7719	103	3	years	year	NOUN
fbem-7719	103	4	,	,	PUNCT
fbem-7719	103	5	the	the	DET
fbem-7719	103	6	financial	financial	ADJ
fbem-7719	103	7	supervision	supervision	NOUN
fbem-7719	103	8	information	information	NOUN
fbem-7719	103	9	has	have	AUX
fbem-7719	103	10	been	be	AUX
fbem-7719	103	11	disclosed	disclose	VERB
fbem-7719	103	12	gradually	gradually	ADV
fbem-7719	103	13	,	,	PUNCT
fbem-7719	103	14	but	but	CCONJ
fbem-7719	103	15	there	there	PRON
fbem-7719	103	16	is	be	VERB
fbem-7719	103	17	still	still	ADV
fbem-7719	103	18	a	a	DET
fbem-7719	103	19	long	long	ADJ
fbem-7719	103	20	way	way	NOUN
fbem-7719	103	21	to	to	ADP
fbem-7719	103	22	the	the	DET
fbem-7719	103	23	complete	complete	ADJ
fbem-7719	103	24	realization	realization	NOUN
fbem-7719	103	25	of	of	ADP
fbem-7719	103	26	supervision	supervision	NOUN
fbem-7719	103	27	information	information	NOUN
fbem-7719	103	28	transparency	transparency	NOUN
fbem-7719	103	29	.	.	PUNCT
fbem-7719	104	1	3.3.2	3.3.2	X
fbem-7719	104	2	.	.	X
fbem-7719	104	3	upgrade	upgrade	VERB
fbem-7719	104	4	existing	exist	VERB
fbem-7719	104	5	laws	law	NOUN
fbem-7719	104	6	and	and	CCONJ
fbem-7719	104	7	regulations	regulation	NOUN
fbem-7719	104	8	our	our	PRON
fbem-7719	104	9	country	country	NOUN
fbem-7719	104	10	can	can	AUX
fbem-7719	104	11	sort	sort	VERB
fbem-7719	104	12	out	out	ADP
fbem-7719	104	13	the	the	DET
fbem-7719	104	14	existing	exist	VERB
fbem-7719	104	15	local	local	ADJ
fbem-7719	104	16	or	or	CCONJ
fbem-7719	104	17	department	department	NOUN
fbem-7719	104	18	rules	rule	NOUN
fbem-7719	104	19	of	of	ADP
fbem-7719	104	20	the	the	DET
fbem-7719	104	21	protection	protection	NOUN
fbem-7719	104	22	of	of	ADP
fbem-7719	104	23	the	the	DET
fbem-7719	104	24	rights	right	NOUN
fbem-7719	104	25	and	and	CCONJ
fbem-7719	104	26	interests	interest	NOUN
fbem-7719	104	27	of	of	ADP
fbem-7719	104	28	financial	financial	ADJ
fbem-7719	104	29	consumers	consumer	NOUN
fbem-7719	104	30	,	,	PUNCT
fbem-7719	104	31	so	so	SCONJ
fbem-7719	104	32	that	that	SCONJ
fbem-7719	104	33	some	some	DET
fbem-7719	104	34	complete	complete	ADJ
fbem-7719	104	35	content	content	NOUN
fbem-7719	104	36	of	of	ADP
fbem-7719	104	37	the	the	DET
fbem-7719	104	38	law	law	NOUN
fbem-7719	104	39	or	or	CCONJ
fbem-7719	104	40	administrative	administrative	ADJ
fbem-7719	104	41	regulations	regulation	NOUN
fbem-7719	104	42	,	,	PUNCT
fbem-7719	104	43	which	which	PRON
fbem-7719	104	44	is	be	AUX
fbem-7719	104	45	less	less	ADJ
fbem-7719	104	46	than	than	ADP
fbem-7719	104	47	the	the	DET
fbem-7719	104	48	establishment	establishment	NOUN
fbem-7719	104	49	of	of	ADP
fbem-7719	104	50	new	new	ADJ
fbem-7719	104	51	laws	law	NOUN
fbem-7719	104	52	and	and	CCONJ
fbem-7719	104	53	regulations	regulation	NOUN
fbem-7719	104	54	to	to	PART
fbem-7719	104	55	save	save	VERB
fbem-7719	104	56	resources	resource	NOUN
fbem-7719	104	57	,	,	PUNCT
fbem-7719	104	58	better	well	ADV
fbem-7719	104	59	meet	meet	VERB
fbem-7719	104	60	the	the	DET
fbem-7719	104	61	demand	demand	NOUN
fbem-7719	104	62	of	of	ADP
fbem-7719	104	63	the	the	DET
fbem-7719	104	64	market	market	NOUN
fbem-7719	104	65	,	,	PUNCT
fbem-7719	104	66	promote	promote	VERB
fbem-7719	104	67	the	the	DET
fbem-7719	104	68	prosperity	prosperity	NOUN
fbem-7719	104	69	of	of	ADP
fbem-7719	104	70	the	the	DET
fbem-7719	104	71	development	development	NOUN
fbem-7719	104	72	.	.	PUNCT
fbem-7719	105	1	3.3.3	3.3.3	X
fbem-7719	105	2	.	.	PUNCT
fbem-7719	105	3	establish	establish	VERB
fbem-7719	105	4	fos	fos	NOUN
fbem-7719	105	5	system	system	NOUN
fbem-7719	105	6	fos	fos	NOUN
fbem-7719	105	7	system	system	NOUN
fbem-7719	105	8	,	,	PUNCT
fbem-7719	105	9	as	as	ADP
fbem-7719	105	10	a	a	DET
fbem-7719	105	11	system	system	NOUN
fbem-7719	105	12	conducive	conducive	ADJ
fbem-7719	105	13	to	to	ADP
fbem-7719	105	14	the	the	DET
fbem-7719	105	15	realization	realization	NOUN
fbem-7719	105	16	of	of	ADP
fbem-7719	105	17	social	social	ADJ
fbem-7719	105	18	equity	equity	NOUN
fbem-7719	105	19	and	and	CCONJ
fbem-7719	105	20	efficiency	efficiency	NOUN
fbem-7719	105	21	,	,	PUNCT
fbem-7719	105	22	can	can	AUX
fbem-7719	105	23	better	well	ADV
fbem-7719	105	24	cope	cope	VERB
fbem-7719	105	25	with	with	ADP
fbem-7719	105	26	financial	financial	ADJ
fbem-7719	105	27	innovation	innovation	NOUN
fbem-7719	105	28	and	and	CCONJ
fbem-7719	105	29	financial	financial	ADJ
fbem-7719	105	30	disputes	dispute	NOUN
fbem-7719	105	31	.	.	PUNCT
fbem-7719	106	1	our	our	PRON
fbem-7719	106	2	country	country	NOUN
fbem-7719	106	3	can	can	AUX
fbem-7719	106	4	make	make	VERB
fbem-7719	106	5	corresponding	corresponding	ADJ
fbem-7719	106	6	laws	law	NOUN
fbem-7719	106	7	,	,	PUNCT
fbem-7719	106	8	administrative	administrative	ADJ
fbem-7719	106	9	regulations	regulation	NOUN
fbem-7719	106	10	or	or	CCONJ
fbem-7719	106	11	departmental	departmental	ADJ
fbem-7719	106	12	regulations	regulation	NOUN
fbem-7719	106	13	through	through	ADP
fbem-7719	106	14	legislative	legislative	ADJ
fbem-7719	106	15	or	or	CCONJ
fbem-7719	106	16	administrative	administrative	ADJ
fbem-7719	106	17	departments	department	NOUN
fbem-7719	106	18	to	to	PART
fbem-7719	106	19	set	set	VERB
fbem-7719	106	20	up	up	ADP
fbem-7719	106	21	the	the	DET
fbem-7719	106	22	fos	fos	NOUN
fbem-7719	106	23	system	system	NOUN
fbem-7719	106	24	,	,	PUNCT
fbem-7719	106	25	for	for	ADP
fbem-7719	106	26	example	example	NOUN
fbem-7719	106	27	the	the	DET
fbem-7719	106	28	regulation	regulation	NOUN
fbem-7719	106	29	law	law	NOUN
fbem-7719	106	30	on	on	ADP
fbem-7719	106	31	financial	financial	ADJ
fbem-7719	106	32	consumption	consumption	NOUN
fbem-7719	106	33	related	relate	VERB
fbem-7719	106	34	in	in	ADP
fbem-7719	106	35	order	order	NOUN
fbem-7719	106	36	to	to	PART
fbem-7719	106	37	remedy	remedy	VERB
fbem-7719	106	38	the	the	DET
fbem-7719	106	39	deficiency	deficiency	NOUN
fbem-7719	106	40	of	of	ADP
fbem-7719	106	41	the	the	DET
fbem-7719	106	42	general	general	ADJ
fbem-7719	106	43	mediation	mediation	NOUN
fbem-7719	106	44	law	law	NOUN
fbem-7719	106	45	.	.	PUNCT
fbem-7719	107	1	4	4	X
fbem-7719	107	2	.	.	X
fbem-7719	107	3	chinese	chinese	ADJ
fbem-7719	107	4	financial	financial	ADJ
fbem-7719	107	5	consumer	consumer	NOUN
fbem-7719	107	6	rights	right	NOUN
fbem-7719	107	7	protection	protection	NOUN
fbem-7719	107	8	situation	situation	NOUN
fbem-7719	107	9	4.1	4.1	NUM
fbem-7719	107	10	.	.	PUNCT
fbem-7719	108	1	development	development	NOUN
fbem-7719	108	2	history	history	NOUN
fbem-7719	108	3	of	of	ADP
fbem-7719	108	4	financial	financial	ADJ
fbem-7719	108	5	consumer	consumer	NOUN
fbem-7719	108	6	rights	right	NOUN
fbem-7719	108	7	protection	protection	NOUN
fbem-7719	108	8	in	in	ADP
fbem-7719	108	9	our	our	PRON
fbem-7719	108	10	country	country	NOUN
fbem-7719	108	11	the	the	DET
fbem-7719	108	12	law	law	NOUN
fbem-7719	108	13	of	of	ADP
fbem-7719	108	14	the	the	DET
fbem-7719	108	15	people	people	NOUN
fbem-7719	108	16	's	's	PART
fbem-7719	108	17	republic	republic	NOUN
fbem-7719	108	18	of	of	ADP
fbem-7719	108	19	china	china	PROPN
fbem-7719	108	20	on	on	ADP
fbem-7719	108	21	the	the	DET
fbem-7719	108	22	protection	protection	NOUN
fbem-7719	108	23	of	of	ADP
fbem-7719	108	24	the	the	DET
fbem-7719	108	25	rights	right	NOUN
fbem-7719	108	26	and	and	CCONJ
fbem-7719	108	27	interests	interest	NOUN
fbem-7719	108	28	of	of	ADP
fbem-7719	108	29	consumers	consumer	NOUN
fbem-7719	108	30	,	,	PUNCT
fbem-7719	108	31	promulgated	promulgate	VERB
fbem-7719	108	32	and	and	CCONJ
fbem-7719	108	33	implemented	implement	VERB
fbem-7719	108	34	in	in	ADP
fbem-7719	108	35	1993	1993	NUM
fbem-7719	108	36	,	,	PUNCT
fbem-7719	108	37	this	this	DET
fbem-7719	108	38	law	law	NOUN
fbem-7719	108	39	does	do	AUX
fbem-7719	108	40	not	not	PART
fbem-7719	108	41	only	only	ADV
fbem-7719	108	42	protect	protect	VERB
fbem-7719	108	43	the	the	DET
fbem-7719	108	44	consumption	consumption	NOUN
fbem-7719	108	45	behavior	behavior	NOUN
fbem-7719	108	46	of	of	ADP
fbem-7719	108	47	ordinary	ordinary	ADJ
fbem-7719	108	48	consumers	consumer	NOUN
fbem-7719	108	49	,	,	PUNCT
fbem-7719	108	50	very	very	ADV
fbem-7719	108	51	general	general	ADJ
fbem-7719	108	52	.	.	PUNCT
fbem-7719	109	1	because	because	SCONJ
fbem-7719	109	2	financial	financial	ADJ
fbem-7719	109	3	consumers	consumer	NOUN
fbem-7719	109	4	and	and	CCONJ
fbem-7719	109	5	ordinary	ordinary	ADJ
fbem-7719	109	6	consumers	consumer	NOUN
fbem-7719	109	7	have	have	VERB
fbem-7719	109	8	great	great	ADJ
fbem-7719	109	9	differences	difference	NOUN
fbem-7719	109	10	in	in	ADP
fbem-7719	109	11	consumption	consumption	NOUN
fbem-7719	109	12	objects	object	NOUN
fbem-7719	109	13	,	,	PUNCT
fbem-7719	109	14	consumption	consumption	NOUN
fbem-7719	109	15	methods	method	NOUN
fbem-7719	109	16	,	,	PUNCT
fbem-7719	109	17	consumption	consumption	NOUN
fbem-7719	109	18	psychology	psychology	NOUN
fbem-7719	109	19	and	and	CCONJ
fbem-7719	109	20	other	other	ADJ
fbem-7719	109	21	aspects	aspect	NOUN
fbem-7719	109	22	,	,	PUNCT
fbem-7719	109	23	this	this	DET
fbem-7719	109	24	law	law	NOUN
fbem-7719	109	25	is	be	AUX
fbem-7719	109	26	not	not	PART
fbem-7719	109	27	applicable	applicable	ADJ
fbem-7719	109	28	to	to	ADP
fbem-7719	109	29	the	the	DET
fbem-7719	109	30	protection	protection	NOUN
fbem-7719	109	31	of	of	ADP
fbem-7719	109	32	financial	financial	ADJ
fbem-7719	109	33	consumers	consumer	NOUN
fbem-7719	109	34	.	.	PUNCT
fbem-7719	110	1	in	in	ADP
fbem-7719	110	2	2015	2015	NUM
fbem-7719	110	3	,	,	PUNCT
fbem-7719	110	4	the	the	DET
fbem-7719	110	5	general	general	ADJ
fbem-7719	110	6	office	office	NOUN
fbem-7719	110	7	of	of	ADP
fbem-7719	110	8	the	the	DET
fbem-7719	110	9	state	state	PROPN
fbem-7719	110	10	council	council	PROPN
fbem-7719	110	11	issued	issue	VERB
fbem-7719	110	12	the	the	DET
fbem-7719	110	13	guiding	guide	VERB
fbem-7719	110	14	opinions	opinion	NOUN
fbem-7719	110	15	on	on	ADP
fbem-7719	110	16	strengthening	strengthen	VERB
fbem-7719	110	17	the	the	DET
fbem-7719	110	18	protection	protection	NOUN
fbem-7719	110	19	of	of	ADP
fbem-7719	110	20	the	the	DET
fbem-7719	110	21	rights	right	NOUN
fbem-7719	110	22	and	and	CCONJ
fbem-7719	110	23	interests	interest	NOUN
fbem-7719	110	24	of	of	ADP
fbem-7719	110	25	financial	financial	ADJ
fbem-7719	110	26	consumers	consumer	NOUN
fbem-7719	110	27	,	,	PUNCT
fbem-7719	110	28	which	which	PRON
fbem-7719	110	29	expounding	expound	VERB
fbem-7719	110	30	the	the	DET
fbem-7719	110	31	relevant	relevant	ADJ
fbem-7719	110	32	contents	content	NOUN
fbem-7719	110	33	of	of	ADP
fbem-7719	110	34	financial	financial	ADJ
fbem-7719	110	35	consumer	consumer	NOUN
fbem-7719	110	36	protection	protection	NOUN
fbem-7719	110	37	at	at	ADP
fbem-7719	110	38	a	a	DET
fbem-7719	110	39	large	large	ADJ
fbem-7719	110	40	length	length	NOUN
fbem-7719	110	41	and	and	CCONJ
fbem-7719	110	42	taking	take	VERB
fbem-7719	110	43	some	some	DET
fbem-7719	110	44	targeted	target	VERB
fbem-7719	110	45	measures	measure	NOUN
fbem-7719	110	46	.	.	PUNCT
fbem-7719	111	1	however	however	ADV
fbem-7719	111	2	,	,	PUNCT
fbem-7719	111	3	this	this	DET
fbem-7719	111	4	document	document	NOUN
fbem-7719	111	5	does	do	AUX
fbem-7719	111	6	not	not	PART
fbem-7719	111	7	believe	believe	VERB
fbem-7719	111	8	that	that	SCONJ
fbem-7719	111	9	financial	financial	ADJ
fbem-7719	111	10	consumers	consumer	NOUN
fbem-7719	111	11	are	be	AUX
fbem-7719	111	12	in	in	ADP
fbem-7719	111	13	a	a	DET
fbem-7719	111	14	vulnerable	vulnerable	ADJ
fbem-7719	111	15	position	position	NOUN
fbem-7719	111	16	in	in	ADP
fbem-7719	111	17	the	the	DET
fbem-7719	111	18	process	process	NOUN
fbem-7719	111	19	of	of	ADP
fbem-7719	111	20	consumption	consumption	NOUN
fbem-7719	111	21	.	.	PUNCT
fbem-7719	112	1	it	it	PRON
fbem-7719	112	2	still	still	ADV
fbem-7719	112	3	insists	insist	VERB
fbem-7719	112	4	on	on	ADP
fbem-7719	112	5	putting	put	VERB
fbem-7719	112	6	financial	financial	ADJ
fbem-7719	112	7	consumers	consumer	NOUN
fbem-7719	112	8	on	on	ADP
fbem-7719	112	9	an	an	DET
fbem-7719	112	10	equal	equal	ADJ
fbem-7719	112	11	footing	footing	NOUN
fbem-7719	112	12	with	with	ADP
fbem-7719	112	13	financial	financial	ADJ
fbem-7719	112	14	institutions	institution	NOUN
fbem-7719	112	15	that	that	PRON
fbem-7719	112	16	provide	provide	VERB
fbem-7719	112	17	financial	financial	ADJ
fbem-7719	112	18	services	service	NOUN
fbem-7719	112	19	.	.	PUNCT
fbem-7719	113	1	since	since	SCONJ
fbem-7719	113	2	the	the	DET
fbem-7719	113	3	implementation	implementation	NOUN
fbem-7719	113	4	measures	measure	NOUN
fbem-7719	113	5	of	of	ADP
fbem-7719	113	6	the	the	DET
fbem-7719	113	7	people	people	NOUN
fbem-7719	113	8	's	's	PART
fbem-7719	113	9	bank	bank	PROPN
fbem-7719	113	10	of	of	ADP
fbem-7719	113	11	china	china	PROPN
fbem-7719	113	12	on	on	ADP
fbem-7719	113	13	the	the	DET
fbem-7719	113	14	protection	protection	NOUN
fbem-7719	113	15	of	of	ADP
fbem-7719	113	16	the	the	DET
fbem-7719	113	17	rights	right	NOUN
fbem-7719	113	18	and	and	CCONJ
fbem-7719	113	19	interests	interest	NOUN
fbem-7719	113	20	of	of	ADP
fbem-7719	113	21	financial	financial	ADJ
fbem-7719	113	22	consumers	consumer	NOUN
fbem-7719	113	23	was	be	AUX
fbem-7719	113	24	officially	officially	ADV
fbem-7719	113	25	implemented	implement	VERB
fbem-7719	113	26	on	on	ADP
fbem-7719	113	27	november	november	PROPN
fbem-7719	113	28	1	1	NUM
fbem-7719	113	29	,	,	PUNCT
fbem-7719	113	30	2020	2020	NUM
fbem-7719	113	31	,	,	PUNCT
fbem-7719	113	32	the	the	DET
fbem-7719	113	33	protection	protection	NOUN
fbem-7719	113	34	of	of	ADP
fbem-7719	113	35	consumers	consumer	NOUN
fbem-7719	113	36	'	'	PART
fbem-7719	113	37	private	private	ADJ
fbem-7719	113	38	information	information	NOUN
fbem-7719	113	39	in	in	ADP
fbem-7719	113	40	the	the	DET
fbem-7719	113	41	process	process	NOUN
fbem-7719	113	42	of	of	ADP
fbem-7719	113	43	financial	financial	ADJ
fbem-7719	113	44	consumption	consumption	NOUN
fbem-7719	113	45	has	have	AUX
fbem-7719	113	46	been	be	AUX
fbem-7719	113	47	strengthened	strengthen	VERB
fbem-7719	113	48	,	,	PUNCT
fbem-7719	113	49	but	but	CCONJ
fbem-7719	113	50	there	there	PRON
fbem-7719	113	51	are	be	VERB
fbem-7719	113	52	still	still	ADV
fbem-7719	113	53	loopholes	loophole	NOUN
fbem-7719	113	54	.	.	PUNCT
fbem-7719	114	1	at	at	ADP
fbem-7719	114	2	the	the	DET
fbem-7719	114	3	same	same	ADJ
fbem-7719	114	4	time	time	NOUN
fbem-7719	114	5	,	,	PUNCT
fbem-7719	114	6	the	the	DET
fbem-7719	114	7	regulations	regulation	NOUN
fbem-7719	114	8	only	only	ADV
fbem-7719	114	9	restrict	restrict	VERB
fbem-7719	114	10	banks	bank	NOUN
fbem-7719	114	11	and	and	CCONJ
fbem-7719	114	12	some	some	DET
fbem-7719	114	13	payment	payment	NOUN
fbem-7719	114	14	institutions	institution	NOUN
fbem-7719	114	15	.	.	PUNCT
fbem-7719	115	1	although	although	SCONJ
fbem-7719	115	2	article	article	NOUN
fbem-7719	115	3	65	65	NUM
fbem-7719	115	4	stipulates	stipulate	VERB
fbem-7719	115	5	that	that	SCONJ
fbem-7719	115	6	"	"	PUNCT
fbem-7719	115	7	financial	financial	ADJ
fbem-7719	115	8	subsidiaries	subsidiary	NOUN
fbem-7719	115	9	of	of	ADP
fbem-7719	115	10	commercial	commercial	ADJ
fbem-7719	115	11	banks	bank	NOUN
fbem-7719	115	12	,	,	PUNCT
fbem-7719	115	13	financial	financial	ADJ
fbem-7719	115	14	consumption	consumption	NOUN
fbem-7719	115	15	companies	company	NOUN
fbem-7719	115	16	and	and	CCONJ
fbem-7719	115	17	credit	credit	NOUN
fbem-7719	115	18	investigation	investigation	NOUN
fbem-7719	115	19	agencies	agency	NOUN
fbem-7719	115	20	shall	shall	AUX
fbem-7719	115	21	apply	apply	VERB
fbem-7719	115	22	these	these	DET
fbem-7719	115	23	measures	measure	NOUN
fbem-7719	115	24	with	with	ADP
fbem-7719	115	25	reference	reference	NOUN
fbem-7719	115	26	"	"	PUNCT
fbem-7719	116	1	[	[	X
fbem-7719	116	2	excerpt	excerpt	NOUN
fbem-7719	116	3	from	from	ADP
fbem-7719	116	4	the	the	DET
fbem-7719	116	5	implementation	implementation	NOUN
fbem-7719	116	6	measures	measure	NOUN
fbem-7719	116	7	of	of	ADP
fbem-7719	116	8	the	the	DET
fbem-7719	116	9	people	people	NOUN
fbem-7719	116	10	's	's	PART
fbem-7719	116	11	bank	bank	PROPN
fbem-7719	116	12	of	of	ADP
fbem-7719	116	13	china	china	PROPN
fbem-7719	116	14	on	on	ADP
fbem-7719	116	15	the	the	DET
fbem-7719	116	16	protection	protection	NOUN
fbem-7719	116	17	of	of	ADP
fbem-7719	116	18	the	the	DET
fbem-7719	116	19	rights	right	NOUN
fbem-7719	116	20	and	and	CCONJ
fbem-7719	116	21	interests	interest	NOUN
fbem-7719	116	22	of	of	ADP
fbem-7719	116	23	financial	financial	ADJ
fbem-7719	116	24	consumers	consumer	NOUN
fbem-7719	116	25	]	]	PUNCT
fbem-7719	116	26	,	,	PUNCT
fbem-7719	116	27	there	there	PRON
fbem-7719	116	28	are	be	VERB
fbem-7719	116	29	still	still	ADV
fbem-7719	116	30	many	many	ADJ
fbem-7719	116	31	institutions	institution	NOUN
fbem-7719	116	32	not	not	PART
fbem-7719	116	33	included	include	VERB
fbem-7719	116	34	.	.	PUNCT
fbem-7719	117	1	rules	rule	NOUN
fbem-7719	117	2	and	and	CCONJ
fbem-7719	117	3	regulations	regulation	NOUN
fbem-7719	117	4	need	need	VERB
fbem-7719	117	5	to	to	PART
fbem-7719	117	6	be	be	AUX
fbem-7719	117	7	further	far	ADV
fbem-7719	117	8	improved	improve	VERB
fbem-7719	117	9	.	.	PUNCT
fbem-7719	118	1	on	on	ADP
fbem-7719	118	2	the	the	DET
fbem-7719	118	3	morning	morning	NOUN
fbem-7719	118	4	of	of	ADP
fbem-7719	118	5	march	march	PROPN
fbem-7719	118	6	8	8	NUM
fbem-7719	118	7	,	,	PUNCT
fbem-7719	118	8	2023	2023	NUM
fbem-7719	118	9	,	,	PUNCT
fbem-7719	118	10	yi	yi	PROPN
fbem-7719	118	11	gang	gang	NOUN
fbem-7719	118	12	,	,	PUNCT
fbem-7719	118	13	governor	governor	NOUN
fbem-7719	118	14	of	of	ADP
fbem-7719	118	15	the	the	DET
fbem-7719	118	16	people	people	NOUN
fbem-7719	118	17	's	's	PART
fbem-7719	118	18	bank	bank	PROPN
fbem-7719	118	19	of	of	ADP
fbem-7719	118	20	china	china	PROPN
fbem-7719	118	21	,	,	PUNCT
fbem-7719	118	22	put	put	VERB
fbem-7719	118	23	forward	forward	ADP
fbem-7719	118	24	four	four	NUM
fbem-7719	118	25	requirements	requirement	NOUN
fbem-7719	118	26	on	on	ADP
fbem-7719	118	27	strengthening	strengthen	VERB
fbem-7719	118	28	the	the	DET
fbem-7719	118	29	reform	reform	NOUN
fbem-7719	118	30	of	of	ADP
fbem-7719	118	31	financial	financial	ADJ
fbem-7719	118	32	supervision	supervision	NOUN
fbem-7719	118	33	.	.	PUNCT
fbem-7719	119	1	two	two	NUM
fbem-7719	119	2	of	of	ADP
fbem-7719	119	3	them	they	PRON
fbem-7719	119	4	are	be	AUX
fbem-7719	119	5	closely	closely	ADV
fbem-7719	119	6	related	relate	VERB
fbem-7719	119	7	to	to	ADP
fbem-7719	119	8	financial	financial	ADJ
fbem-7719	119	9	consumer	consumer	NOUN
fbem-7719	119	10	protection	protection	NOUN
fbem-7719	119	11	:	:	PUNCT
fbem-7719	119	12	first	first	ADV
fbem-7719	119	13	,	,	PUNCT
fbem-7719	119	14	the	the	DET
fbem-7719	119	15	establishment	establishment	NOUN
fbem-7719	119	16	of	of	ADP
fbem-7719	119	17	the	the	DET
fbem-7719	119	18	state	state	NOUN
fbem-7719	119	19	financial	financial	ADJ
fbem-7719	119	20	supervision	supervision	NOUN
fbem-7719	119	21	and	and	CCONJ
fbem-7719	119	22	administration	administration	NOUN
fbem-7719	119	23	;	;	PUNCT
fbem-7719	119	24	second	second	ADV
fbem-7719	119	25	,	,	PUNCT
fbem-7719	119	26	strengthen	strengthen	VERB
fbem-7719	119	27	the	the	DET
fbem-7719	119	28	unified	unified	ADJ
fbem-7719	119	29	and	and	CCONJ
fbem-7719	119	30	standardized	standardized	ADJ
fbem-7719	119	31	management	management	NOUN
fbem-7719	119	32	of	of	ADP
fbem-7719	119	33	financial	financial	ADJ
fbem-7719	119	34	institution	institution	NOUN
fbem-7719	119	35	personnel	personnel	NOUN
fbem-7719	119	36	and	and	CCONJ
fbem-7719	119	37	formulate	formulate	VERB
fbem-7719	119	38	practical	practical	ADJ
fbem-7719	119	39	plans	plan	NOUN
fbem-7719	119	40	.	.	PUNCT
fbem-7719	120	1	4.2	4.2	NUM
fbem-7719	120	2	.	.	PUNCT
fbem-7719	121	1	various	various	ADJ
fbem-7719	121	2	protection	protection	NOUN
fbem-7719	121	3	measures	measure	NOUN
fbem-7719	121	4	and	and	CCONJ
fbem-7719	121	5	corresponding	correspond	VERB
fbem-7719	121	6	problems	problem	NOUN
fbem-7719	121	7	exist	exist	VERB
fbem-7719	121	8	in	in	ADP
fbem-7719	121	9	our	our	PRON
fbem-7719	121	10	country	country	NOUN
fbem-7719	121	11	4.2.1	4.2.1	NOUN
fbem-7719	121	12	.	.	PUNCT
fbem-7719	122	1	institutional	institutional	ADJ
fbem-7719	122	2	establishment	establishment	NOUN
fbem-7719	122	3	and	and	CCONJ
fbem-7719	122	4	regulatory	regulatory	ADJ
fbem-7719	122	5	system	system	NOUN
fbem-7719	122	6	before	before	ADP
fbem-7719	122	7	march	march	PROPN
fbem-7719	122	8	8	8	NUM
fbem-7719	122	9	,	,	PUNCT
fbem-7719	122	10	2023	2023	NUM
fbem-7719	122	11	,	,	PUNCT
fbem-7719	122	12	china	china	PROPN
fbem-7719	122	13	's	's	PART
fbem-7719	122	14	financial	financial	ADJ
fbem-7719	122	15	regulatory	regulatory	ADJ
fbem-7719	122	16	system	system	NOUN
fbem-7719	122	17	consists	consist	VERB
fbem-7719	122	18	of	of	ADP
fbem-7719	122	19	two	two	NUM
fbem-7719	122	20	committees	committee	NOUN
fbem-7719	122	21	:	:	PUNCT
fbem-7719	122	22	the	the	DET
fbem-7719	122	23	people	people	NOUN
fbem-7719	122	24	's	's	PART
fbem-7719	122	25	bank	bank	PROPN
fbem-7719	122	26	of	of	ADP
fbem-7719	122	27	china	china	PROPN
fbem-7719	122	28	,	,	PUNCT
fbem-7719	122	29	the	the	DET
fbem-7719	122	30	banking	banking	NOUN
fbem-7719	122	31	and	and	CCONJ
fbem-7719	122	32	insurance	insurance	NOUN
fbem-7719	122	33	regulatory	regulatory	ADJ
fbem-7719	122	34	commission	commission	NOUN
fbem-7719	122	35	and	and	CCONJ
fbem-7719	122	36	the	the	DET
fbem-7719	122	37	securities	securities	PROPN
fbem-7719	122	38	regulatory	regulatory	PROPN
fbem-7719	122	39	commission	commission	PROPN
fbem-7719	122	40	.	.	PUNCT
fbem-7719	123	1	after	after	ADP
fbem-7719	123	2	march	march	PROPN
fbem-7719	123	3	8	8	NUM
fbem-7719	123	4	,	,	PUNCT
fbem-7719	123	5	2023	2023	NUM
fbem-7719	123	6	,	,	PUNCT
fbem-7719	123	7	china	china	PROPN
fbem-7719	123	8	's	's	PART
fbem-7719	123	9	financial	financial	ADJ
fbem-7719	123	10	regulatory	regulatory	ADJ
fbem-7719	123	11	system	system	NOUN
fbem-7719	123	12	will	will	AUX
fbem-7719	123	13	change	change	VERB
fbem-7719	123	14	into	into	ADP
fbem-7719	123	15	one	one	NUM
fbem-7719	123	16	line	line	NOUN
fbem-7719	123	17	,	,	PUNCT
fbem-7719	123	18	one	one	NUM
fbem-7719	123	19	game	game	NOUN
fbem-7719	123	20	and	and	CCONJ
fbem-7719	123	21	one	one	NUM
fbem-7719	123	22	meeting	meeting	NOUN
fbem-7719	123	23	.	.	PUNCT
fbem-7719	124	1	the	the	DET
fbem-7719	124	2	state	state	NOUN
fbem-7719	124	3	financial	financial	PROPN
fbem-7719	124	4	regulatory	regulatory	ADJ
fbem-7719	124	5	administration	administration	NOUN
fbem-7719	124	6	will	will	AUX
fbem-7719	124	7	be	be	AUX
fbem-7719	124	8	established	establish	VERB
fbem-7719	124	9	on	on	ADP
fbem-7719	124	10	the	the	DET
fbem-7719	124	11	basis	basis	NOUN
fbem-7719	124	12	of	of	ADP
fbem-7719	124	13	the	the	DET
fbem-7719	124	14	china	china	PROPN
fbem-7719	124	15	banking	banking	PROPN
fbem-7719	124	16	and	and	CCONJ
fbem-7719	124	17	insurance	insurance	NOUN
fbem-7719	124	18	regulatory	regulatory	ADJ
fbem-7719	124	19	commission	commission	NOUN
fbem-7719	124	20	.	.	PUNCT
fbem-7719	125	1	the	the	DET
fbem-7719	125	2	main	main	ADJ
fbem-7719	125	3	functions	function	NOUN
fbem-7719	125	4	of	of	ADP
fbem-7719	125	5	the	the	DET
fbem-7719	125	6	state	state	NOUN
fbem-7719	125	7	financial	financial	PROPN
fbem-7719	125	8	regulatory	regulatory	ADJ
fbem-7719	125	9	administration	administration	NOUN
fbem-7719	125	10	are	be	AUX
fbem-7719	125	11	to	to	PART
fbem-7719	125	12	uniformly	uniformly	ADV
fbem-7719	125	13	take	take	VERB
fbem-7719	125	14	charge	charge	NOUN
fbem-7719	125	15	of	of	ADP
fbem-7719	125	16	the	the	DET
fbem-7719	125	17	supervision	supervision	NOUN
fbem-7719	125	18	of	of	ADP
fbem-7719	125	19	the	the	DET
fbem-7719	125	20	financial	financial	ADJ
fbem-7719	125	21	industry	industry	NOUN
fbem-7719	125	22	other	other	ADJ
fbem-7719	125	23	than	than	ADP
fbem-7719	125	24	the	the	DET
fbem-7719	125	25	securities	security	NOUN
fbem-7719	125	26	industry	industry	NOUN
fbem-7719	125	27	and	and	CCONJ
fbem-7719	125	28	coordinate	coordinate	VERB
fbem-7719	125	29	the	the	DET
fbem-7719	125	30	protection	protection	NOUN
fbem-7719	125	31	of	of	ADP
fbem-7719	125	32	the	the	DET
fbem-7719	125	33	rights	right	NOUN
fbem-7719	125	34	and	and	CCONJ
fbem-7719	125	35	interests	interest	NOUN
fbem-7719	125	36	of	of	ADP
fbem-7719	125	37	financial	financial	ADJ
fbem-7719	125	38	consumers	consumer	NOUN
fbem-7719	125	39	.	.	PUNCT
fbem-7719	126	1	china	china	PROPN
fbem-7719	126	2	securities	securities	PROPN
fbem-7719	126	3	regulatory	regulatory	PROPN
fbem-7719	126	4	commission	commission	NOUN
fbem-7719	126	5	is	be	AUX
fbem-7719	126	6	responsible	responsible	ADJ
fbem-7719	126	7	for	for	ADP
fbem-7719	126	8	microprudential	microprudential	ADJ
fbem-7719	126	9	supervision	supervision	NOUN
fbem-7719	126	10	of	of	ADP
fbem-7719	126	11	the	the	DET
fbem-7719	126	12	securities	security	NOUN
fbem-7719	126	13	industry	industry	NOUN
fbem-7719	126	14	.	.	PUNCT
fbem-7719	127	1	the	the	DET
fbem-7719	127	2	point	point	NOUN
fbem-7719	127	3	of	of	ADP
fbem-7719	127	4	this	this	DET
fbem-7719	127	5	reform	reform	NOUN
fbem-7719	127	6	is	be	AUX
fbem-7719	127	7	that	that	SCONJ
fbem-7719	127	8	the	the	DET
fbem-7719	127	9	rules	rule	NOUN
fbem-7719	127	10	will	will	AUX
fbem-7719	127	11	be	be	AUX
fbem-7719	127	12	consistent	consistent	ADJ
fbem-7719	127	13	and	and	CCONJ
fbem-7719	127	14	that	that	SCONJ
fbem-7719	127	15	they	they	PRON
fbem-7719	127	16	will	will	AUX
fbem-7719	127	17	address	address	VERB
fbem-7719	127	18	the	the	DET
fbem-7719	127	19	illegal	illegal	ADJ
fbem-7719	127	20	arbitrage	arbitrage	NOUN
fbem-7719	127	21	that	that	PRON
fbem-7719	127	22	has	have	AUX
fbem-7719	127	23	resulted	result	VERB
fbem-7719	127	24	from	from	ADP
fbem-7719	127	25	previous	previous	ADJ
fbem-7719	127	26	regulatory	regulatory	ADJ
fbem-7719	127	27	inconsistencies	inconsistency	NOUN
fbem-7719	127	28	.	.	PUNCT
fbem-7719	128	1	vertically	vertically	ADV
fbem-7719	128	2	,	,	PUNCT
fbem-7719	128	3	the	the	DET
fbem-7719	128	4	reform	reform	NOUN
fbem-7719	128	5	also	also	ADV
fbem-7719	128	6	changed	change	VERB
fbem-7719	128	7	the	the	DET
fbem-7719	128	8	layout	layout	NOUN
fbem-7719	128	9	of	of	ADP
fbem-7719	128	10	local	local	ADJ
fbem-7719	128	11	financial	financial	ADJ
fbem-7719	128	12	supervision	supervision	NOUN
fbem-7719	128	13	system	system	NOUN
fbem-7719	128	14	,	,	PUNCT
fbem-7719	128	15	establishing	establish	VERB
fbem-7719	128	16	a	a	DET
fbem-7719	128	17	local	local	ADJ
fbem-7719	128	18	financial	financial	ADJ
fbem-7719	128	19	supervision	supervision	NOUN
fbem-7719	128	20	system	system	NOUN
fbem-7719	128	21	dominated	dominate	VERB
fbem-7719	128	22	by	by	ADP
fbem-7719	128	23	the	the	DET
fbem-7719	128	24	local	local	ADJ
fbem-7719	128	25	agencies	agency	NOUN
fbem-7719	128	26	of	of	ADP
fbem-7719	128	27	the	the	DET
fbem-7719	128	28	central	central	ADJ
fbem-7719	128	29	financial	financial	ADJ
fbem-7719	128	30	management	management	NOUN
fbem-7719	128	31	department	department	NOUN
fbem-7719	128	32	,	,	PUNCT
fbem-7719	128	33	and	and	CCONJ
fbem-7719	128	34	the	the	DET
fbem-7719	128	35	financial	financial	ADJ
fbem-7719	128	36	supervision	supervision	NOUN
fbem-7719	128	37	institutions	institution	NOUN
fbem-7719	128	38	set	set	VERB
fbem-7719	128	39	up	up	ADP
fbem-7719	128	40	by	by	ADP
fbem-7719	128	41	local	local	ADJ
fbem-7719	128	42	governments	government	NOUN
fbem-7719	128	43	are	be	AUX
fbem-7719	128	44	only	only	ADV
fbem-7719	128	45	responsible	responsible	ADJ
fbem-7719	128	46	for	for	ADP
fbem-7719	128	47	supervision	supervision	NOUN
fbem-7719	128	48	.	.	PUNCT
fbem-7719	129	1	the	the	DET
fbem-7719	129	2	reform	reform	NOUN
fbem-7719	129	3	of	of	ADP
fbem-7719	129	4	the	the	DET
fbem-7719	129	5	local	local	ADJ
fbem-7719	129	6	supervision	supervision	NOUN
fbem-7719	129	7	system	system	NOUN
fbem-7719	129	8	has	have	AUX
fbem-7719	129	9	realized	realize	VERB
fbem-7719	129	10	the	the	DET
fbem-7719	129	11	unification	unification	NOUN
fbem-7719	129	12	of	of	ADP
fbem-7719	129	13	the	the	DET
fbem-7719	129	14	financial	financial	ADJ
fbem-7719	129	15	supervision	supervision	NOUN
fbem-7719	129	16	,	,	PUNCT
fbem-7719	129	17	and	and	CCONJ
fbem-7719	129	18	achieved	achieve	VERB
fbem-7719	129	19	full	full	ADJ
fbem-7719	129	20	coverage	coverage	NOUN
fbem-7719	129	21	and	and	CCONJ
fbem-7719	129	22	consistent	consistent	ADJ
fbem-7719	129	23	supervision	supervision	NOUN
fbem-7719	129	24	.	.	PUNCT
fbem-7719	130	1	4.2.2	4.2.2	X
fbem-7719	130	2	.	.	PUNCT
fbem-7719	130	3	laws	law	NOUN
fbem-7719	130	4	and	and	CCONJ
fbem-7719	130	5	regulations	regulation	NOUN
fbem-7719	130	6	at	at	ADP
fbem-7719	130	7	present	present	ADJ
fbem-7719	130	8	,	,	PUNCT
fbem-7719	130	9	the	the	DET
fbem-7719	130	10	relevant	relevant	ADJ
fbem-7719	130	11	protection	protection	NOUN
fbem-7719	130	12	laws	law	NOUN
fbem-7719	130	13	on	on	ADP
fbem-7719	130	14	the	the	DET
fbem-7719	130	15	rights	right	NOUN
fbem-7719	130	16	and	and	CCONJ
fbem-7719	130	17	interests	interest	NOUN
fbem-7719	130	18	of	of	ADP
fbem-7719	130	19	financial	financial	ADJ
fbem-7719	130	20	consumers	consumer	NOUN
fbem-7719	130	21	in	in	ADP
fbem-7719	130	22	china	china	PROPN
fbem-7719	130	23	mainly	mainly	ADV
fbem-7719	130	24	include	include	VERB
fbem-7719	130	25	the	the	DET
fbem-7719	130	26	protection	protection	NOUN
fbem-7719	130	27	law	law	NOUN
fbem-7719	130	28	on	on	ADP
fbem-7719	130	29	the	the	DET
fbem-7719	130	30	rights	right	NOUN
fbem-7719	130	31	and	and	CCONJ
fbem-7719	130	32	interests	interest	NOUN
fbem-7719	130	33	of	of	ADP
fbem-7719	130	34	consumers	consumer	NOUN
fbem-7719	130	35	,	,	PUNCT
fbem-7719	130	36	the	the	DET
fbem-7719	130	37	law	law	NOUN
fbem-7719	130	38	on	on	ADP
fbem-7719	130	39	the	the	DET
fbem-7719	130	40	people	people	NOUN
fbem-7719	130	41	's	's	PART
fbem-7719	130	42	bank	bank	PROPN
fbem-7719	130	43	of	of	ADP
fbem-7719	130	44	china	china	PROPN
fbem-7719	130	45	,	,	PUNCT
fbem-7719	130	46	the	the	DET
fbem-7719	130	47	insurance	insurance	NOUN
fbem-7719	130	48	law	law	NOUN
fbem-7719	130	49	,	,	PUNCT
fbem-7719	130	50	the	the	DET
fbem-7719	130	51	securities	security	NOUN
fbem-7719	130	52	law	law	NOUN
fbem-7719	130	53	,	,	PUNCT
fbem-7719	130	54	the	the	DET
fbem-7719	130	55	law	law	NOUN
fbem-7719	130	56	on	on	ADP
fbem-7719	130	57	commercial	commercial	ADJ
fbem-7719	130	58	banking	banking	NOUN
fbem-7719	130	59	,	,	PUNCT
fbem-7719	130	60	the	the	DET
fbem-7719	130	61	law	law	NOUN
fbem-7719	130	62	on	on	ADP
fbem-7719	130	63	banking	banking	NOUN
fbem-7719	130	64	supervision	supervision	NOUN
fbem-7719	130	65	and	and	CCONJ
fbem-7719	130	66	management	management	NOUN
fbem-7719	130	67	,	,	PUNCT
fbem-7719	130	68	and	and	CCONJ
fbem-7719	130	69	the	the	DET
fbem-7719	130	70	regulations	regulation	NOUN
fbem-7719	130	71	53	53	NUM
fbem-7719	130	72	formulated	formulate	VERB
fbem-7719	130	73	by	by	ADP
fbem-7719	130	74	the	the	DET
fbem-7719	130	75	people	people	NOUN
fbem-7719	130	76	's	's	PART
fbem-7719	130	77	bank	bank	PROPN
fbem-7719	130	78	of	of	ADP
fbem-7719	130	79	china	china	PROPN
fbem-7719	130	80	,	,	PUNCT
fbem-7719	130	81	the	the	DET
fbem-7719	130	82	banking	bank	VERB
fbem-7719	130	83	regulatory	regulatory	ADJ
fbem-7719	130	84	commission	commission	PROPN
fbem-7719	130	85	,	,	PUNCT
fbem-7719	130	86	the	the	DET
fbem-7719	130	87	securities	security	NOUN
fbem-7719	130	88	regulatory	regulatory	ADJ
fbem-7719	130	89	commission	commission	PROPN
fbem-7719	130	90	and	and	CCONJ
fbem-7719	130	91	the	the	DET
fbem-7719	130	92	insurance	insurance	NOUN
fbem-7719	130	93	regulatory	regulatory	ADJ
fbem-7719	130	94	commission	commission	NOUN
fbem-7719	130	95	.	.	PUNCT
fbem-7719	131	1	but	but	CCONJ
fbem-7719	131	2	these	these	DET
fbem-7719	131	3	laws	law	NOUN
fbem-7719	131	4	and	and	CCONJ
fbem-7719	131	5	regulations	regulation	NOUN
fbem-7719	131	6	have	have	VERB
fbem-7719	131	7	obvious	obvious	ADJ
fbem-7719	131	8	flaws	flaw	NOUN
fbem-7719	131	9	.	.	PUNCT
fbem-7719	132	1	take	take	VERB
fbem-7719	132	2	the	the	DET
fbem-7719	132	3	law	law	NOUN
fbem-7719	132	4	on	on	ADP
fbem-7719	132	5	the	the	DET
fbem-7719	132	6	protection	protection	NOUN
fbem-7719	132	7	of	of	ADP
fbem-7719	132	8	the	the	DET
fbem-7719	132	9	rights	right	NOUN
fbem-7719	132	10	and	and	CCONJ
fbem-7719	132	11	interests	interest	NOUN
fbem-7719	132	12	of	of	ADP
fbem-7719	132	13	consumers	consumer	NOUN
fbem-7719	132	14	as	as	ADP
fbem-7719	132	15	an	an	DET
fbem-7719	132	16	example	example	NOUN
fbem-7719	132	17	.	.	PUNCT
fbem-7719	133	1	this	this	DET
fbem-7719	133	2	law	law	NOUN
fbem-7719	133	3	mainly	mainly	ADV
fbem-7719	133	4	regulates	regulate	VERB
fbem-7719	133	5	the	the	DET
fbem-7719	133	6	transactions	transaction	NOUN
fbem-7719	133	7	of	of	ADP
fbem-7719	133	8	ordinary	ordinary	ADJ
fbem-7719	133	9	commodities	commodity	NOUN
fbem-7719	133	10	and	and	CCONJ
fbem-7719	133	11	services	service	NOUN
fbem-7719	133	12	and	and	CCONJ
fbem-7719	133	13	protects	protect	VERB
fbem-7719	133	14	ordinary	ordinary	ADJ
fbem-7719	133	15	consumers	consumer	NOUN
fbem-7719	133	16	.	.	PUNCT
fbem-7719	134	1	for	for	ADP
fbem-7719	134	2	financial	financial	ADJ
fbem-7719	134	3	consumers	consumer	NOUN
fbem-7719	134	4	,	,	PUNCT
fbem-7719	134	5	it	it	PRON
fbem-7719	134	6	is	be	AUX
fbem-7719	134	7	not	not	PART
fbem-7719	134	8	very	very	ADV
fbem-7719	134	9	targeted	targeted	ADJ
fbem-7719	134	10	.	.	PUNCT
fbem-7719	135	1	secondly	secondly	ADV
fbem-7719	135	2	,	,	PUNCT
fbem-7719	135	3	the	the	DET
fbem-7719	135	4	financial	financial	ADJ
fbem-7719	135	5	legislation	legislation	NOUN
fbem-7719	135	6	of	of	ADP
fbem-7719	135	7	our	our	PRON
fbem-7719	135	8	country	country	NOUN
fbem-7719	135	9	can	can	AUX
fbem-7719	135	10	not	not	PART
fbem-7719	135	11	guarantee	guarantee	VERB
fbem-7719	135	12	the	the	DET
fbem-7719	135	13	transparent	transparent	ADJ
fbem-7719	135	14	disclosure	disclosure	NOUN
fbem-7719	135	15	of	of	ADP
fbem-7719	135	16	information	information	NOUN
fbem-7719	135	17	.	.	PUNCT
fbem-7719	136	1	although	although	SCONJ
fbem-7719	136	2	financial	financial	ADJ
fbem-7719	136	3	consumers	consumer	NOUN
fbem-7719	136	4	enjoy	enjoy	VERB
fbem-7719	136	5	a	a	DET
fbem-7719	136	6	certain	certain	ADJ
fbem-7719	136	7	right	right	NOUN
fbem-7719	136	8	to	to	PART
fbem-7719	136	9	know	know	VERB
fbem-7719	136	10	,	,	PUNCT
fbem-7719	136	11	there	there	PRON
fbem-7719	136	12	is	be	VERB
fbem-7719	136	13	still	still	ADV
fbem-7719	136	14	information	information	NOUN
fbem-7719	136	15	inequality	inequality	NOUN
fbem-7719	136	16	between	between	ADP
fbem-7719	136	17	financial	financial	ADJ
fbem-7719	136	18	consumers	consumer	NOUN
fbem-7719	136	19	and	and	CCONJ
fbem-7719	136	20	financial	financial	ADJ
fbem-7719	136	21	institutions	institution	NOUN
fbem-7719	136	22	,	,	PUNCT
fbem-7719	136	23	and	and	CCONJ
fbem-7719	136	24	consumers	consumer	NOUN
fbem-7719	136	25	'	'	PART
fbem-7719	136	26	privacy	privacy	NOUN
fbem-7719	136	27	can	can	AUX
fbem-7719	136	28	not	not	PART
fbem-7719	136	29	be	be	AUX
fbem-7719	136	30	fully	fully	ADV
fbem-7719	136	31	protected	protect	VERB
fbem-7719	136	32	and	and	CCONJ
fbem-7719	136	33	will	will	AUX
fbem-7719	136	34	always	always	ADV
fbem-7719	136	35	be	be	AUX
fbem-7719	136	36	harassed	harass	VERB
fbem-7719	136	37	.	.	PUNCT
fbem-7719	137	1	here	here	ADV
fbem-7719	137	2	we	we	PRON
fbem-7719	137	3	have	have	VERB
fbem-7719	137	4	to	to	PART
fbem-7719	137	5	mention	mention	VERB
fbem-7719	137	6	the	the	DET
fbem-7719	137	7	financial	financial	ADJ
fbem-7719	137	8	legislation	legislation	NOUN
fbem-7719	137	9	of	of	ADP
fbem-7719	137	10	the	the	DET
fbem-7719	137	11	united	united	PROPN
fbem-7719	137	12	states	states	PROPN
fbem-7719	137	13	and	and	CCONJ
fbem-7719	137	14	japan	japan	PROPN
fbem-7719	137	15	.	.	PUNCT
fbem-7719	138	1	the	the	DET
fbem-7719	138	2	united	united	PROPN
fbem-7719	138	3	states	states	PROPN
fbem-7719	138	4	and	and	CCONJ
fbem-7719	138	5	japan	japan	PROPN
fbem-7719	138	6	are	be	AUX
fbem-7719	138	7	centered	center	VERB
fbem-7719	138	8	on	on	ADP
fbem-7719	138	9	the	the	DET
fbem-7719	138	10	rights	right	NOUN
fbem-7719	138	11	and	and	CCONJ
fbem-7719	138	12	interests	interest	NOUN
fbem-7719	138	13	of	of	ADP
fbem-7719	138	14	consumers	consumer	NOUN
fbem-7719	138	15	,	,	PUNCT
fbem-7719	138	16	such	such	ADJ
fbem-7719	138	17	as	as	ADP
fbem-7719	138	18	the	the	DET
fbem-7719	138	19	privacy	privacy	NOUN
fbem-7719	138	20	law	law	NOUN
fbem-7719	138	21	.	.	PUNCT
fbem-7719	139	1	however	however	ADV
fbem-7719	139	2	,	,	PUNCT
fbem-7719	139	3	for	for	ADP
fbem-7719	139	4	the	the	DET
fbem-7719	139	5	time	time	NOUN
fbem-7719	139	6	being	be	AUX
fbem-7719	139	7	,	,	PUNCT
fbem-7719	139	8	our	our	PRON
fbem-7719	139	9	country	country	NOUN
fbem-7719	139	10	is	be	AUX
fbem-7719	139	11	centered	center	VERB
fbem-7719	139	12	on	on	ADP
fbem-7719	139	13	the	the	DET
fbem-7719	139	14	financial	financial	ADJ
fbem-7719	139	15	institutions	institution	NOUN
fbem-7719	139	16	,	,	PUNCT
fbem-7719	139	17	such	such	ADJ
fbem-7719	139	18	as	as	ADP
fbem-7719	139	19	the	the	DET
fbem-7719	139	20	insurance	insurance	NOUN
fbem-7719	139	21	law	law	NOUN
fbem-7719	139	22	,	,	PUNCT
fbem-7719	139	23	securities	security	NOUN
fbem-7719	139	24	law	law	NOUN
fbem-7719	139	25	.	.	PUNCT
fbem-7719	140	1	at	at	ADP
fbem-7719	140	2	this	this	DET
fbem-7719	140	3	point	point	NOUN
fbem-7719	140	4	,	,	PUNCT
fbem-7719	140	5	we	we	PRON
fbem-7719	140	6	can	can	AUX
fbem-7719	140	7	learn	learn	VERB
fbem-7719	140	8	a	a	DET
fbem-7719	140	9	few	few	ADJ
fbem-7719	140	10	lessons	lesson	NOUN
fbem-7719	140	11	.	.	PUNCT
fbem-7719	141	1	4.2.3	4.2.3	X
fbem-7719	141	2	.	.	PUNCT
fbem-7719	142	1	the	the	DET
fbem-7719	142	2	popularization	popularization	NOUN
fbem-7719	142	3	of	of	ADP
fbem-7719	142	4	financial	financial	ADJ
fbem-7719	142	5	knowledge	knowledge	NOUN
fbem-7719	142	6	and	and	CCONJ
fbem-7719	142	7	awareness	awareness	NOUN
fbem-7719	142	8	of	of	ADP
fbem-7719	142	9	rights	right	NOUN
fbem-7719	142	10	protection	protection	NOUN
fbem-7719	142	11	the	the	DET
fbem-7719	142	12	current	current	ADJ
fbem-7719	142	13	situation	situation	NOUN
fbem-7719	142	14	and	and	CCONJ
fbem-7719	142	15	prospect	prospect	NOUN
fbem-7719	142	16	of	of	ADP
fbem-7719	142	17	financial	financial	ADJ
fbem-7719	142	18	consumer	consumer	NOUN
fbem-7719	142	19	education	education	NOUN
fbem-7719	142	20	released	release	VERB
fbem-7719	142	21	in	in	ADP
fbem-7719	142	22	2018	2018	NUM
fbem-7719	142	23	pointed	point	VERB
fbem-7719	142	24	out	out	ADP
fbem-7719	142	25	that	that	SCONJ
fbem-7719	142	26	chinese	chinese	ADJ
fbem-7719	142	27	financial	financial	ADJ
fbem-7719	142	28	consumers	consumer	NOUN
fbem-7719	142	29	are	be	AUX
fbem-7719	142	30	not	not	PART
fbem-7719	142	31	well	well	ADV
fbem-7719	142	32	-	-	PUNCT
fbem-7719	142	33	educated	educate	VERB
fbem-7719	142	34	on	on	ADP
fbem-7719	142	35	the	the	DET
fbem-7719	142	36	whole	whole	NOUN
fbem-7719	142	37	,	,	PUNCT
fbem-7719	142	38	and	and	CCONJ
fbem-7719	142	39	nearly	nearly	ADV
fbem-7719	142	40	65	65	NUM
fbem-7719	142	41	%	%	NOUN
fbem-7719	142	42	of	of	ADP
fbem-7719	142	43	consumers	consumer	NOUN
fbem-7719	142	44	think	think	VERB
fbem-7719	142	45	their	their	PRON
fbem-7719	142	46	financial	financial	ADJ
fbem-7719	142	47	knowledge	knowledge	NOUN
fbem-7719	142	48	is	be	AUX
fbem-7719	142	49	not	not	PART
fbem-7719	142	50	enough	enough	ADJ
fbem-7719	142	51	.	.	PUNCT
fbem-7719	143	1	that	that	PRON
fbem-7719	143	2	is	be	AUX
fbem-7719	143	3	to	to	PART
fbem-7719	143	4	say	say	VERB
fbem-7719	143	5	,	,	PUNCT
fbem-7719	143	6	the	the	DET
fbem-7719	143	7	vast	vast	ADJ
fbem-7719	143	8	majority	majority	NOUN
fbem-7719	143	9	of	of	ADP
fbem-7719	143	10	people	people	NOUN
fbem-7719	143	11	will	will	AUX
fbem-7719	143	12	be	be	AUX
fbem-7719	143	13	in	in	ADP
fbem-7719	143	14	a	a	DET
fbem-7719	143	15	weak	weak	ADJ
fbem-7719	143	16	position	position	NOUN
fbem-7719	143	17	in	in	ADP
fbem-7719	143	18	the	the	DET
fbem-7719	143	19	process	process	NOUN
fbem-7719	143	20	of	of	ADP
fbem-7719	143	21	financial	financial	ADJ
fbem-7719	143	22	consumption	consumption	NOUN
fbem-7719	143	23	due	due	ADP
fbem-7719	143	24	to	to	ADP
fbem-7719	143	25	the	the	DET
fbem-7719	143	26	blind	blind	ADJ
fbem-7719	143	27	area	area	NOUN
fbem-7719	143	28	of	of	ADP
fbem-7719	143	29	financial	financial	ADJ
fbem-7719	143	30	knowledge	knowledge	NOUN
fbem-7719	143	31	,	,	PUNCT
fbem-7719	143	32	and	and	CCONJ
fbem-7719	143	33	their	their	PRON
fbem-7719	143	34	self	self	NOUN
fbem-7719	143	35	-	-	PUNCT
fbem-7719	143	36	protection	protection	NOUN
fbem-7719	143	37	awareness	awareness	NOUN
fbem-7719	143	38	and	and	CCONJ
fbem-7719	143	39	rights	right	NOUN
fbem-7719	143	40	protection	protection	NOUN
fbem-7719	143	41	ability	ability	NOUN
fbem-7719	143	42	are	be	AUX
fbem-7719	143	43	weak	weak	ADJ
fbem-7719	143	44	.	.	PUNCT
fbem-7719	144	1	in	in	ADP
fbem-7719	144	2	2015	2015	NUM
fbem-7719	144	3	,	,	PUNCT
fbem-7719	144	4	the	the	DET
fbem-7719	144	5	state	state	PROPN
fbem-7719	144	6	council	council	PROPN
fbem-7719	144	7	issued	issue	VERB
fbem-7719	144	8	the	the	DET
fbem-7719	144	9	guidance	guidance	NOUN
fbem-7719	144	10	on	on	ADP
fbem-7719	144	11	strengthening	strengthen	VERB
fbem-7719	144	12	the	the	DET
fbem-7719	144	13	protection	protection	NOUN
fbem-7719	144	14	of	of	ADP
fbem-7719	144	15	the	the	DET
fbem-7719	144	16	rights	right	NOUN
fbem-7719	144	17	and	and	CCONJ
fbem-7719	144	18	interests	interest	NOUN
fbem-7719	144	19	of	of	ADP
fbem-7719	144	20	financial	financial	ADJ
fbem-7719	144	21	consumers	consumer	NOUN
fbem-7719	144	22	,	,	PUNCT
fbem-7719	144	23	which	which	PRON
fbem-7719	144	24	pointed	point	VERB
fbem-7719	144	25	out	out	ADP
fbem-7719	144	26	that	that	SCONJ
fbem-7719	144	27	a	a	DET
fbem-7719	144	28	long	long	ADJ
fbem-7719	144	29	-	-	PUNCT
fbem-7719	144	30	term	term	NOUN
fbem-7719	144	31	mechanism	mechanism	NOUN
fbem-7719	144	32	for	for	ADP
fbem-7719	144	33	the	the	DET
fbem-7719	144	34	popularization	popularization	NOUN
fbem-7719	144	35	of	of	ADP
fbem-7719	144	36	financial	financial	ADJ
fbem-7719	144	37	knowledge	knowledge	NOUN
fbem-7719	144	38	should	should	AUX
fbem-7719	144	39	be	be	AUX
fbem-7719	144	40	established	establish	VERB
fbem-7719	144	41	.	.	PUNCT
fbem-7719	145	1	financial	financial	ADJ
fbem-7719	145	2	regulatory	regulatory	ADJ
fbem-7719	145	3	departments	department	NOUN
fbem-7719	145	4	,	,	PUNCT
fbem-7719	145	5	financial	financial	ADJ
fbem-7719	145	6	institutions	institution	NOUN
fbem-7719	145	7	and	and	CCONJ
fbem-7719	145	8	relevant	relevant	ADJ
fbem-7719	145	9	social	social	ADJ
fbem-7719	145	10	organizations	organization	NOUN
fbem-7719	145	11	should	should	AUX
fbem-7719	145	12	take	take	VERB
fbem-7719	145	13	the	the	DET
fbem-7719	145	14	initiative	initiative	NOUN
fbem-7719	145	15	to	to	PART
fbem-7719	145	16	strengthen	strengthen	VERB
fbem-7719	145	17	research	research	NOUN
fbem-7719	145	18	and	and	CCONJ
fbem-7719	145	19	use	use	VERB
fbem-7719	145	20	various	various	ADJ
fbem-7719	145	21	means	mean	NOUN
fbem-7719	145	22	to	to	PART
fbem-7719	145	23	popularize	popularize	VERB
fbem-7719	145	24	financial	financial	ADJ
fbem-7719	145	25	common	common	ADJ
fbem-7719	145	26	sense	sense	NOUN
fbem-7719	145	27	.	.	PUNCT
fbem-7719	146	1	and	and	CCONJ
fbem-7719	146	2	when	when	SCONJ
fbem-7719	146	3	it	it	PRON
fbem-7719	146	4	comes	come	VERB
fbem-7719	146	5	to	to	ADP
fbem-7719	146	6	safeguarding	safeguard	VERB
fbem-7719	146	7	our	our	PRON
fbem-7719	146	8	rights	right	NOUN
fbem-7719	146	9	,	,	PUNCT
fbem-7719	146	10	our	our	PRON
fbem-7719	146	11	country	country	NOUN
fbem-7719	146	12	must	must	AUX
fbem-7719	146	13	improve	improve	VERB
fbem-7719	146	14	the	the	DET
fbem-7719	146	15	financial	financial	ADJ
fbem-7719	146	16	complaints	complaint	NOUN
fbem-7719	146	17	and	and	CCONJ
fbem-7719	146	18	arbitration	arbitration	NOUN
fbem-7719	146	19	system	system	NOUN
fbem-7719	146	20	further	far	ADV
fbem-7719	146	21	.	.	PUNCT
fbem-7719	147	1	when	when	SCONJ
fbem-7719	147	2	confronted	confront	VERB
fbem-7719	147	3	with	with	ADP
fbem-7719	147	4	problems	problem	NOUN
fbem-7719	147	5	,	,	PUNCT
fbem-7719	147	6	the	the	DET
fbem-7719	147	7	first	first	ADJ
fbem-7719	147	8	thing	thing	NOUN
fbem-7719	147	9	people	people	NOUN
fbem-7719	147	10	can	can	AUX
fbem-7719	147	11	think	think	VERB
fbem-7719	147	12	of	of	ADP
fbem-7719	147	13	is	be	AUX
fbem-7719	147	14	complaints	complaint	NOUN
fbem-7719	147	15	.	.	PUNCT
fbem-7719	148	1	our	our	PRON
fbem-7719	148	2	country	country	NOUN
fbem-7719	148	3	should	should	AUX
fbem-7719	148	4	choose	choose	VERB
fbem-7719	148	5	professional	professional	ADJ
fbem-7719	148	6	talents	talent	NOUN
fbem-7719	148	7	with	with	ADP
fbem-7719	148	8	high	high	ADJ
fbem-7719	148	9	financial	financial	ADJ
fbem-7719	148	10	literacy	literacy	NOUN
fbem-7719	148	11	to	to	PART
fbem-7719	148	12	deal	deal	VERB
fbem-7719	148	13	with	with	ADP
fbem-7719	148	14	these	these	DET
fbem-7719	148	15	complaints	complaint	NOUN
fbem-7719	148	16	and	and	CCONJ
fbem-7719	148	17	follow	follow	VERB
fbem-7719	148	18	up	up	ADP
fbem-7719	148	19	the	the	DET
fbem-7719	148	20	people	people	NOUN
fbem-7719	148	21	's	's	PART
fbem-7719	148	22	demands	demand	NOUN
fbem-7719	148	23	.	.	PUNCT
fbem-7719	149	1	arbitration	arbitration	NOUN
fbem-7719	149	2	,	,	PUNCT
fbem-7719	149	3	as	as	ADP
fbem-7719	149	4	a	a	DET
fbem-7719	149	5	convenient	convenient	ADJ
fbem-7719	149	6	way	way	NOUN
fbem-7719	149	7	to	to	PART
fbem-7719	149	8	deal	deal	VERB
fbem-7719	149	9	with	with	ADP
fbem-7719	149	10	the	the	DET
fbem-7719	149	11	situation	situation	NOUN
fbem-7719	149	12	,	,	PUNCT
fbem-7719	149	13	does	do	AUX
fbem-7719	149	14	not	not	PART
fbem-7719	149	15	require	require	VERB
fbem-7719	149	16	the	the	DET
fbem-7719	149	17	high	high	ADJ
fbem-7719	149	18	cost	cost	NOUN
fbem-7719	149	19	of	of	ADP
fbem-7719	149	20	legal	legal	ADJ
fbem-7719	149	21	proceedings	proceeding	NOUN
fbem-7719	149	22	,	,	PUNCT
fbem-7719	149	23	and	and	CCONJ
fbem-7719	149	24	should	should	AUX
fbem-7719	149	25	be	be	AUX
fbem-7719	149	26	strongly	strongly	ADV
fbem-7719	149	27	advocated	advocate	VERB
fbem-7719	149	28	.	.	PUNCT
fbem-7719	150	1	financial	financial	ADJ
fbem-7719	150	2	institutions	institution	NOUN
fbem-7719	150	3	should	should	AUX
fbem-7719	150	4	popularize	popularize	VERB
fbem-7719	150	5	financial	financial	ADJ
fbem-7719	150	6	arbitration	arbitration	NOUN
fbem-7719	150	7	agreements	agreement	NOUN
fbem-7719	150	8	with	with	ADP
fbem-7719	150	9	consumers	consumer	NOUN
fbem-7719	150	10	when	when	SCONJ
fbem-7719	150	11	conducting	conduct	VERB
fbem-7719	150	12	business	business	NOUN
fbem-7719	150	13	.	.	PUNCT
fbem-7719	151	1	the	the	DET
fbem-7719	151	2	arbitration	arbitration	NOUN
fbem-7719	151	3	commission	commission	NOUN
fbem-7719	151	4	shall	shall	AUX
fbem-7719	151	5	abide	abide	VERB
fbem-7719	151	6	by	by	ADP
fbem-7719	151	7	the	the	DET
fbem-7719	151	8	confidentiality	confidentiality	NOUN
fbem-7719	151	9	system	system	NOUN
fbem-7719	151	10	and	and	CCONJ
fbem-7719	151	11	try	try	VERB
fbem-7719	151	12	to	to	PART
fbem-7719	151	13	simplify	simplify	VERB
fbem-7719	151	14	the	the	DET
fbem-7719	151	15	procedures	procedure	NOUN
fbem-7719	151	16	while	while	SCONJ
fbem-7719	151	17	avoiding	avoid	VERB
fbem-7719	151	18	the	the	DET
fbem-7719	151	19	participation	participation	NOUN
fbem-7719	151	20	of	of	ADP
fbem-7719	151	21	third	third	ADJ
fbem-7719	151	22	parties	party	NOUN
fbem-7719	151	23	who	who	PRON
fbem-7719	151	24	have	have	VERB
fbem-7719	151	25	an	an	DET
fbem-7719	151	26	interest	interest	NOUN
fbem-7719	151	27	in	in	ADP
fbem-7719	151	28	the	the	DET
fbem-7719	151	29	financial	financial	ADJ
fbem-7719	151	30	institution	institution	NOUN
fbem-7719	151	31	.	.	PUNCT
fbem-7719	152	1	5	5	X
fbem-7719	152	2	.	.	X
fbem-7719	152	3	suggestions	suggestion	NOUN
fbem-7719	152	4	to	to	PART
fbem-7719	152	5	improve	improve	VERB
fbem-7719	152	6	financial	financial	ADJ
fbem-7719	152	7	consumer	consumer	NOUN
fbem-7719	152	8	rights	right	NOUN
fbem-7719	152	9	protection	protection	NOUN
fbem-7719	152	10	of	of	ADP
fbem-7719	152	11	our	our	PRON
fbem-7719	152	12	country	country	NOUN
fbem-7719	152	13	5.1	5.1	NUM
fbem-7719	152	14	.	.	PUNCT
fbem-7719	152	15	improve	improve	VERB
fbem-7719	152	16	financial	financial	ADJ
fbem-7719	152	17	regulation	regulation	NOUN
fbem-7719	152	18	and	and	CCONJ
fbem-7719	152	19	promote	promote	VERB
fbem-7719	152	20	financial	financial	ADJ
fbem-7719	152	21	reform	reform	NOUN
fbem-7719	152	22	5.1.1	5.1.1	NOUN
fbem-7719	152	23	.	.	PUNCT
fbem-7719	152	24	establish	establish	VERB
fbem-7719	152	25	a	a	DET
fbem-7719	152	26	financial	financial	ADJ
fbem-7719	152	27	services	service	NOUN
fbem-7719	152	28	regulatory	regulatory	ADJ
fbem-7719	152	29	council	council	NOUN
fbem-7719	152	30	in	in	ADP
fbem-7719	152	31	a	a	DET
fbem-7719	152	32	macroprudential	macroprudential	ADJ
fbem-7719	152	33	context	context	NOUN
fbem-7719	152	34	,	,	PUNCT
fbem-7719	152	35	a	a	DET
fbem-7719	152	36	regulator	regulator	NOUN
fbem-7719	152	37	dedicated	dedicate	VERB
fbem-7719	152	38	to	to	ADP
fbem-7719	152	39	systemic	systemic	ADJ
fbem-7719	152	40	risk	risk	NOUN
fbem-7719	152	41	could	could	AUX
fbem-7719	152	42	be	be	AUX
fbem-7719	152	43	of	of	ADP
fbem-7719	152	44	great	great	ADJ
fbem-7719	152	45	use	use	NOUN
fbem-7719	152	46	in	in	ADP
fbem-7719	152	47	advancing	advance	VERB
fbem-7719	152	48	financial	financial	ADJ
fbem-7719	152	49	reform	reform	NOUN
fbem-7719	152	50	.	.	PUNCT
fbem-7719	153	1	relying	rely	VERB
fbem-7719	153	2	on	on	ADP
fbem-7719	153	3	existing	exist	VERB
fbem-7719	153	4	models	model	NOUN
fbem-7719	153	5	,	,	PUNCT
fbem-7719	153	6	in	in	ADP
fbem-7719	153	7	the	the	DET
fbem-7719	153	8	process	process	NOUN
fbem-7719	153	9	of	of	ADP
fbem-7719	153	10	daily	daily	ADJ
fbem-7719	153	11	supervision	supervision	NOUN
fbem-7719	153	12	,	,	PUNCT
fbem-7719	153	13	throughout	throughout	ADP
fbem-7719	153	14	the	the	DET
fbem-7719	153	15	entire	entire	ADJ
fbem-7719	153	16	detection	detection	NOUN
fbem-7719	153	17	of	of	ADP
fbem-7719	153	18	systemic	systemic	ADJ
fbem-7719	153	19	risks	risk	NOUN
fbem-7719	153	20	in	in	ADP
fbem-7719	153	21	this	this	DET
fbem-7719	153	22	industry	industry	NOUN
fbem-7719	153	23	,	,	PUNCT
fbem-7719	153	24	reasonable	reasonable	ADJ
fbem-7719	153	25	use	use	NOUN
fbem-7719	153	26	of	of	ADP
fbem-7719	153	27	macro	macro	ADJ
fbem-7719	153	28	-	-	ADJ
fbem-7719	153	29	prudential	prudential	ADJ
fbem-7719	153	30	supervision	supervision	NOUN
fbem-7719	153	31	tools	tool	NOUN
fbem-7719	153	32	,	,	PUNCT
fbem-7719	153	33	devoted	devote	VERB
fbem-7719	153	34	to	to	ADP
fbem-7719	153	35	improving	improve	VERB
fbem-7719	153	36	and	and	CCONJ
fbem-7719	153	37	strengthening	strengthen	VERB
fbem-7719	153	38	the	the	DET
fbem-7719	153	39	macro	macro	ADJ
fbem-7719	153	40	-	-	ADJ
fbem-7719	153	41	prudential	prudential	ADJ
fbem-7719	153	42	awareness	awareness	NOUN
fbem-7719	153	43	of	of	ADP
fbem-7719	153	44	our	our	PRON
fbem-7719	153	45	regulatory	regulatory	ADJ
fbem-7719	153	46	authorities	authority	NOUN
fbem-7719	153	47	in	in	ADP
fbem-7719	153	48	sectors	sector	NOUN
fbem-7719	153	49	such	such	ADJ
fbem-7719	153	50	as	as	ADP
fbem-7719	153	51	banking	banking	NOUN
fbem-7719	153	52	,	,	PUNCT
fbem-7719	153	53	insurance	insurance	NOUN
fbem-7719	153	54	,	,	PUNCT
fbem-7719	153	55	securities	security	NOUN
fbem-7719	153	56	and	and	CCONJ
fbem-7719	153	57	other	other	ADJ
fbem-7719	153	58	industries	industry	NOUN
fbem-7719	153	59	.	.	PUNCT
fbem-7719	154	1	in	in	ADP
fbem-7719	154	2	addition	addition	NOUN
fbem-7719	154	3	,	,	PUNCT
fbem-7719	154	4	a	a	DET
fbem-7719	154	5	financial	financial	ADJ
fbem-7719	154	6	services	service	NOUN
fbem-7719	154	7	regulatory	regulatory	ADJ
fbem-7719	154	8	council	council	NOUN
fbem-7719	154	9	for	for	ADP
fbem-7719	154	10	financial	financial	ADJ
fbem-7719	154	11	stability	stability	NOUN
fbem-7719	154	12	,	,	PUNCT
fbem-7719	154	13	similar	similar	ADJ
fbem-7719	154	14	to	to	ADP
fbem-7719	154	15	the	the	DET
fbem-7719	154	16	us	us	PROPN
fbem-7719	154	17	financial	financial	PROPN
fbem-7719	154	18	services	services	PROPN
fbem-7719	154	19	regulatory	regulatory	ADJ
fbem-7719	154	20	council	council	NOUN
fbem-7719	154	21	,	,	PUNCT
fbem-7719	154	22	should	should	AUX
fbem-7719	154	23	be	be	AUX
fbem-7719	154	24	set	set	VERB
fbem-7719	154	25	up	up	ADP
fbem-7719	154	26	with	with	ADP
fbem-7719	154	27	the	the	DET
fbem-7719	154	28	help	help	NOUN
fbem-7719	154	29	of	of	ADP
fbem-7719	154	30	all	all	DET
fbem-7719	154	31	parties	party	NOUN
fbem-7719	154	32	to	to	PART
fbem-7719	154	33	act	act	VERB
fbem-7719	154	34	as	as	ADP
fbem-7719	154	35	an	an	DET
fbem-7719	154	36	overarching	overarching	ADJ
fbem-7719	154	37	and	and	CCONJ
fbem-7719	154	38	coordinating	coordinate	VERB
fbem-7719	154	39	body	body	NOUN
fbem-7719	154	40	.	.	PUNCT
fbem-7719	155	1	the	the	DET
fbem-7719	155	2	commission	commission	NOUN
fbem-7719	155	3	is	be	AUX
fbem-7719	155	4	mainly	mainly	ADV
fbem-7719	155	5	responsible	responsible	ADJ
fbem-7719	155	6	for	for	ADP
fbem-7719	155	7	identifying	identify	VERB
fbem-7719	155	8	,	,	PUNCT
fbem-7719	155	9	monitoring	monitoring	NOUN
fbem-7719	155	10	and	and	CCONJ
fbem-7719	155	11	assessing	assess	VERB
fbem-7719	155	12	systemic	systemic	ADJ
fbem-7719	155	13	risks	risk	NOUN
fbem-7719	155	14	in	in	ADP
fbem-7719	155	15	china	china	PROPN
fbem-7719	155	16	's	's	PART
fbem-7719	155	17	financial	financial	ADJ
fbem-7719	155	18	sector	sector	NOUN
fbem-7719	155	19	,	,	PUNCT
fbem-7719	155	20	taking	take	VERB
fbem-7719	155	21	emergency	emergency	NOUN
fbem-7719	155	22	measures	measure	NOUN
fbem-7719	155	23	to	to	PART
fbem-7719	155	24	provide	provide	VERB
fbem-7719	155	25	assistance	assistance	NOUN
fbem-7719	155	26	to	to	ADP
fbem-7719	155	27	major	major	ADJ
fbem-7719	155	28	problems	problem	NOUN
fbem-7719	155	29	involving	involve	VERB
fbem-7719	155	30	systemic	systemic	ADJ
fbem-7719	155	31	risks	risk	NOUN
fbem-7719	155	32	,	,	PUNCT
fbem-7719	155	33	promoting	promote	VERB
fbem-7719	155	34	the	the	DET
fbem-7719	155	35	realization	realization	NOUN
fbem-7719	155	36	of	of	ADP
fbem-7719	155	37	macro	macro	ADJ
fbem-7719	155	38	-	-	ADJ
fbem-7719	155	39	prudential	prudential	ADJ
fbem-7719	155	40	supervision	supervision	NOUN
fbem-7719	155	41	objectives	objective	NOUN
fbem-7719	155	42	at	at	ADP
fbem-7719	155	43	the	the	DET
fbem-7719	155	44	financial	financial	ADJ
fbem-7719	155	45	supervision	supervision	NOUN
fbem-7719	155	46	level	level	NOUN
fbem-7719	155	47	,	,	PUNCT
fbem-7719	155	48	and	and	CCONJ
fbem-7719	155	49	promoting	promote	VERB
fbem-7719	155	50	the	the	DET
fbem-7719	155	51	reform	reform	NOUN
fbem-7719	155	52	of	of	ADP
fbem-7719	155	53	the	the	DET
fbem-7719	155	54	financial	financial	ADJ
fbem-7719	155	55	sector	sector	NOUN
fbem-7719	155	56	.	.	PUNCT
fbem-7719	156	1	5.1.2	5.1.2	X
fbem-7719	156	2	.	.	X
fbem-7719	156	3	strengthen	strengthen	VERB
fbem-7719	156	4	investor	investor	NOUN
fbem-7719	156	5	protection	protection	NOUN
fbem-7719	156	6	in	in	ADP
fbem-7719	156	7	financial	financial	ADJ
fbem-7719	156	8	markets	market	NOUN
fbem-7719	156	9	it	it	PRON
fbem-7719	156	10	can	can	AUX
fbem-7719	156	11	be	be	AUX
fbem-7719	156	12	seen	see	VERB
fbem-7719	156	13	from	from	ADP
fbem-7719	156	14	the	the	DET
fbem-7719	156	15	experience	experience	NOUN
fbem-7719	156	16	of	of	ADP
fbem-7719	156	17	the	the	DET
fbem-7719	156	18	united	united	PROPN
fbem-7719	156	19	states	states	PROPN
fbem-7719	156	20	that	that	SCONJ
fbem-7719	156	21	the	the	DET
fbem-7719	156	22	american	american	PROPN
fbem-7719	156	23	financial	financial	ADJ
fbem-7719	156	24	reform	reform	NOUN
fbem-7719	156	25	has	have	VERB
fbem-7719	156	26	a	a	DET
fbem-7719	156	27	unique	unique	ADJ
fbem-7719	156	28	idea	idea	NOUN
fbem-7719	156	29	and	and	CCONJ
fbem-7719	156	30	practice	practice	NOUN
fbem-7719	156	31	of	of	ADP
fbem-7719	156	32	protecting	protect	VERB
fbem-7719	156	33	the	the	DET
fbem-7719	156	34	interests	interest	NOUN
fbem-7719	156	35	of	of	ADP
fbem-7719	156	36	investors	investor	NOUN
fbem-7719	156	37	in	in	ADP
fbem-7719	156	38	the	the	DET
fbem-7719	156	39	financial	financial	ADJ
fbem-7719	156	40	market	market	NOUN
fbem-7719	156	41	,	,	PUNCT
fbem-7719	156	42	and	and	CCONJ
fbem-7719	156	43	has	have	VERB
fbem-7719	156	44	a	a	DET
fbem-7719	156	45	quite	quite	ADV
fbem-7719	156	46	perfect	perfect	ADJ
fbem-7719	156	47	system	system	NOUN
fbem-7719	156	48	design	design	NOUN
fbem-7719	156	49	.	.	PUNCT
fbem-7719	157	1	by	by	ADP
fbem-7719	157	2	studying	study	VERB
fbem-7719	157	3	the	the	DET
fbem-7719	157	4	financial	financial	ADJ
fbem-7719	157	5	reform	reform	NOUN
fbem-7719	157	6	of	of	ADP
fbem-7719	157	7	the	the	DET
fbem-7719	157	8	united	united	PROPN
fbem-7719	157	9	states	states	PROPN
fbem-7719	157	10	,	,	PUNCT
fbem-7719	157	11	we	we	PRON
fbem-7719	157	12	realize	realize	VERB
fbem-7719	157	13	that	that	SCONJ
fbem-7719	157	14	the	the	DET
fbem-7719	157	15	establishment	establishment	NOUN
fbem-7719	157	16	of	of	ADP
fbem-7719	157	17	the	the	DET
fbem-7719	157	18	investor	investor	NOUN
fbem-7719	157	19	advisory	advisory	PROPN
fbem-7719	157	20	committee	committee	NOUN
fbem-7719	157	21	is	be	AUX
fbem-7719	157	22	an	an	DET
fbem-7719	157	23	extremely	extremely	ADV
fbem-7719	157	24	important	important	ADJ
fbem-7719	157	25	project	project	NOUN
fbem-7719	157	26	.	.	PUNCT
fbem-7719	158	1	the	the	DET
fbem-7719	158	2	establishment	establishment	NOUN
fbem-7719	158	3	of	of	ADP
fbem-7719	158	4	the	the	DET
fbem-7719	158	5	committee	committee	NOUN
fbem-7719	158	6	can	can	AUX
fbem-7719	158	7	provide	provide	VERB
fbem-7719	158	8	an	an	DET
fbem-7719	158	9	umbrella	umbrella	NOUN
fbem-7719	158	10	for	for	ADP
fbem-7719	158	11	financial	financial	ADJ
fbem-7719	158	12	market	market	NOUN
fbem-7719	158	13	investors	investor	NOUN
fbem-7719	158	14	,	,	PUNCT
fbem-7719	158	15	urge	urge	VERB
fbem-7719	158	16	financial	financial	ADJ
fbem-7719	158	17	institutions	institution	NOUN
fbem-7719	158	18	to	to	PART
fbem-7719	158	19	fulfill	fulfill	VERB
fbem-7719	158	20	their	their	PRON
fbem-7719	158	21	obligations	obligation	NOUN
fbem-7719	158	22	,	,	PUNCT
fbem-7719	158	23	try	try	VERB
fbem-7719	158	24	to	to	PART
fbem-7719	158	25	eliminate	eliminate	VERB
fbem-7719	158	26	the	the	DET
fbem-7719	158	27	conflicts	conflict	NOUN
fbem-7719	158	28	of	of	ADP
fbem-7719	158	29	interest	interest	NOUN
fbem-7719	158	30	between	between	ADP
fbem-7719	158	31	financial	financial	ADJ
fbem-7719	158	32	market	market	NOUN
fbem-7719	158	33	investors	investor	NOUN
fbem-7719	158	34	and	and	CCONJ
fbem-7719	158	35	credit	credit	NOUN
fbem-7719	158	36	rating	rating	NOUN
fbem-7719	158	37	agencies	agency	NOUN
fbem-7719	158	38	,	,	PUNCT
fbem-7719	158	39	and	and	CCONJ
fbem-7719	158	40	strengthen	strengthen	VERB
fbem-7719	158	41	the	the	DET
fbem-7719	158	42	awareness	awareness	NOUN
fbem-7719	158	43	of	of	ADP
fbem-7719	158	44	financial	financial	ADJ
fbem-7719	158	45	intermediaries	intermediary	NOUN
fbem-7719	158	46	for	for	ADP
fbem-7719	158	47	information	information	NOUN
fbem-7719	158	48	disclosure	disclosure	NOUN
fbem-7719	158	49	.	.	PUNCT
fbem-7719	159	1	improve	improve	VERB
fbem-7719	159	2	their	their	PRON
fbem-7719	159	3	information	information	NOUN
fbem-7719	159	4	transparency	transparency	NOUN
fbem-7719	159	5	.	.	PUNCT
fbem-7719	160	1	in	in	ADP
fbem-7719	160	2	addition	addition	NOUN
fbem-7719	160	3	,	,	PUNCT
fbem-7719	160	4	it	it	PRON
fbem-7719	160	5	can	can	AUX
fbem-7719	160	6	guide	guide	VERB
fbem-7719	160	7	financial	financial	ADJ
fbem-7719	160	8	market	market	NOUN
fbem-7719	160	9	investors	investor	NOUN
fbem-7719	160	10	to	to	PART
fbem-7719	160	11	pay	pay	VERB
fbem-7719	160	12	close	close	ADJ
fbem-7719	160	13	attention	attention	NOUN
fbem-7719	160	14	to	to	ADP
fbem-7719	160	15	the	the	DET
fbem-7719	160	16	reliability	reliability	NOUN
fbem-7719	160	17	,	,	PUNCT
fbem-7719	160	18	timeliness	timeliness	NOUN
fbem-7719	160	19	and	and	CCONJ
fbem-7719	160	20	ease	ease	NOUN
fbem-7719	160	21	of	of	ADP
fbem-7719	160	22	access	access	NOUN
fbem-7719	160	23	to	to	ADP
fbem-7719	160	24	financial	financial	ADJ
fbem-7719	160	25	information	information	NOUN
fbem-7719	160	26	.	.	PUNCT
fbem-7719	161	1	the	the	DET
fbem-7719	161	2	regulatory	regulatory	ADJ
fbem-7719	161	3	authorities	authority	NOUN
fbem-7719	161	4	should	should	AUX
fbem-7719	161	5	do	do	VERB
fbem-7719	161	6	a	a	DET
fbem-7719	161	7	good	good	ADJ
fbem-7719	161	8	job	job	NOUN
fbem-7719	161	9	in	in	ADP
fbem-7719	161	10	relevant	relevant	ADJ
fbem-7719	161	11	work	work	NOUN
fbem-7719	161	12	,	,	PUNCT
fbem-7719	161	13	improve	improve	VERB
fbem-7719	161	14	their	their	PRON
fbem-7719	161	15	management	management	NOUN
fbem-7719	161	16	ability	ability	NOUN
fbem-7719	161	17	and	and	CCONJ
fbem-7719	161	18	execution	execution	NOUN
fbem-7719	161	19	ability	ability	NOUN
fbem-7719	161	20	,	,	PUNCT
fbem-7719	161	21	let	let	VERB
fbem-7719	161	22	financial	financial	ADJ
fbem-7719	161	23	market	market	NOUN
fbem-7719	161	24	investors	investor	NOUN
fbem-7719	161	25	gain	gain	VERB
fbem-7719	161	26	relevant	relevant	ADJ
fbem-7719	161	27	professional	professional	ADJ
fbem-7719	161	28	knowledge	knowledge	NOUN
fbem-7719	161	29	through	through	ADP
fbem-7719	161	30	professional	professional	ADJ
fbem-7719	161	31	training	training	NOUN
fbem-7719	161	32	,	,	PUNCT
fbem-7719	161	33	master	master	VERB
fbem-7719	161	34	the	the	DET
fbem-7719	161	35	means	mean	NOUN
fbem-7719	161	36	of	of	ADP
fbem-7719	161	37	safeguarding	safeguard	VERB
fbem-7719	161	38	rights	right	NOUN
fbem-7719	161	39	,	,	PUNCT
fbem-7719	161	40	and	and	CCONJ
fbem-7719	161	41	improve	improve	VERB
fbem-7719	161	42	their	their	PRON
fbem-7719	161	43	self	self	NOUN
fbem-7719	161	44	-	-	PUNCT
fbem-7719	161	45	protection	protection	NOUN
fbem-7719	161	46	awareness	awareness	NOUN
fbem-7719	161	47	and	and	CCONJ
fbem-7719	161	48	self	self	NOUN
fbem-7719	161	49	-	-	PUNCT
fbem-7719	161	50	protection	protection	NOUN
fbem-7719	161	51	ability	ability	NOUN
fbem-7719	161	52	.	.	PUNCT
fbem-7719	162	1	5.1.3	5.1.3	X
fbem-7719	162	2	.	.	X
fbem-7719	162	3	improve	improve	VERB
fbem-7719	162	4	the	the	DET
fbem-7719	162	5	credit	credit	NOUN
fbem-7719	162	6	rating	rating	NOUN
fbem-7719	162	7	system	system	NOUN
fbem-7719	162	8	in	in	ADP
fbem-7719	162	9	our	our	PRON
fbem-7719	162	10	country	country	NOUN
fbem-7719	162	11	,	,	PUNCT
fbem-7719	162	12	the	the	DET
fbem-7719	162	13	market	market	NOUN
fbem-7719	162	14	capacity	capacity	NOUN
fbem-7719	162	15	of	of	ADP
fbem-7719	162	16	credit	credit	NOUN
fbem-7719	162	17	rating	rating	NOUN
fbem-7719	162	18	is	be	AUX
fbem-7719	162	19	relatively	relatively	ADV
fbem-7719	162	20	weak	weak	ADJ
fbem-7719	162	21	.	.	PUNCT
fbem-7719	163	1	from	from	ADP
fbem-7719	163	2	the	the	DET
fbem-7719	163	3	outbreak	outbreak	NOUN
fbem-7719	163	4	of	of	ADP
fbem-7719	163	5	the	the	DET
fbem-7719	163	6	subprime	subprime	ADJ
fbem-7719	163	7	crisis	crisis	NOUN
fbem-7719	163	8	,	,	PUNCT
fbem-7719	163	9	we	we	PRON
fbem-7719	163	10	can	can	AUX
fbem-7719	163	11	see	see	VERB
fbem-7719	163	12	the	the	DET
fbem-7719	163	13	importance	importance	NOUN
fbem-7719	163	14	of	of	ADP
fbem-7719	163	15	credit	credit	NOUN
fbem-7719	163	16	rating	rating	NOUN
fbem-7719	163	17	system	system	NOUN
fbem-7719	163	18	.	.	PUNCT
fbem-7719	164	1	the	the	DET
fbem-7719	164	2	result	result	NOUN
fbem-7719	164	3	of	of	ADP
fbem-7719	164	4	credit	credit	NOUN
fbem-7719	164	5	rating	rating	NOUN
fbem-7719	164	6	can	can	AUX
fbem-7719	164	7	not	not	PART
fbem-7719	164	8	be	be	AUX
fbem-7719	164	9	ignored	ignore	VERB
fbem-7719	164	10	on	on	ADP
fbem-7719	164	11	the	the	DET
fbem-7719	164	12	investors	investor	NOUN
fbem-7719	164	13	'	'	PART
fbem-7719	164	14	decisionmaking	decisionmaking	NOUN
fbem-7719	164	15	and	and	CCONJ
fbem-7719	164	16	the	the	DET
fbem-7719	164	17	development	development	NOUN
fbem-7719	164	18	of	of	ADP
fbem-7719	164	19	financial	financial	ADJ
fbem-7719	164	20	business	business	NOUN
fbem-7719	164	21	,	,	PUNCT
fbem-7719	164	22	which	which	PRON
fbem-7719	164	23	directly	directly	ADV
fbem-7719	164	24	threatens	threaten	VERB
fbem-7719	164	25	the	the	DET
fbem-7719	164	26	security	security	NOUN
fbem-7719	164	27	and	and	CCONJ
fbem-7719	164	28	stability	stability	NOUN
fbem-7719	164	29	of	of	ADP
fbem-7719	164	30	the	the	DET
fbem-7719	164	31	financial	financial	ADJ
fbem-7719	164	32	system	system	NOUN
fbem-7719	164	33	to	to	ADP
fbem-7719	164	34	some	some	DET
fbem-7719	164	35	extent	extent	NOUN
fbem-7719	164	36	.	.	PUNCT
fbem-7719	165	1	so	so	ADV
fbem-7719	165	2	we	we	PRON
fbem-7719	165	3	need	need	VERB
fbem-7719	165	4	to	to	PART
fbem-7719	165	5	strengthen	strengthen	VERB
fbem-7719	165	6	disclosure	disclosure	NOUN
fbem-7719	165	7	,	,	PUNCT
fbem-7719	165	8	focus	focus	VERB
fbem-7719	165	9	on	on	ADP
fbem-7719	165	10	supervision	supervision	NOUN
fbem-7719	165	11	,	,	PUNCT
fbem-7719	165	12	focus	focus	VERB
fbem-7719	165	13	on	on	ADP
fbem-7719	165	14	credit	credit	NOUN
fbem-7719	165	15	.	.	PUNCT
fbem-7719	166	1	5.2	5.2	NUM
fbem-7719	166	2	.	.	PUNCT
fbem-7719	167	1	strengthen	strengthen	VERB
fbem-7719	167	2	financial	financial	ADJ
fbem-7719	167	3	consumer	consumer	NOUN
fbem-7719	167	4	protection	protection	NOUN
fbem-7719	167	5	5.2.1	5.2.1	NOUN
fbem-7719	167	6	.	.	PUNCT
fbem-7719	167	7	actively	actively	ADV
fbem-7719	167	8	publicize	publicize	VERB
fbem-7719	167	9	knowledge	knowledge	NOUN
fbem-7719	167	10	about	about	ADP
fbem-7719	167	11	financial	financial	ADJ
fbem-7719	167	12	consumer	consumer	NOUN
fbem-7719	167	13	protection	protection	NOUN
fbem-7719	167	14	in	in	ADP
fbem-7719	167	15	order	order	NOUN
fbem-7719	167	16	to	to	PART
fbem-7719	167	17	fundamentally	fundamentally	ADV
fbem-7719	167	18	strengthen	strengthen	VERB
fbem-7719	167	19	the	the	DET
fbem-7719	167	20	protection	protection	NOUN
fbem-7719	167	21	of	of	ADP
fbem-7719	167	22	financial	financial	ADJ
fbem-7719	167	23	consumers	consumer	NOUN
fbem-7719	167	24	,	,	PUNCT
fbem-7719	167	25	it	it	PRON
fbem-7719	167	26	is	be	AUX
fbem-7719	167	27	necessary	necessary	ADJ
fbem-7719	167	28	to	to	PART
fbem-7719	167	29	strengthen	strengthen	VERB
fbem-7719	167	30	other	other	ADJ
fbem-7719	167	31	parties	party	NOUN
fbem-7719	167	32	'	'	PART
fbem-7719	167	33	awareness	awareness	NOUN
fbem-7719	167	34	of	of	ADP
fbem-7719	167	35	financial	financial	ADJ
fbem-7719	167	36	consumer	consumer	NOUN
fbem-7719	167	37	protection	protection	NOUN
fbem-7719	167	38	and	and	CCONJ
fbem-7719	167	39	financial	financial	ADJ
fbem-7719	167	40	consumers	consumer	NOUN
fbem-7719	167	41	'	'	PART
fbem-7719	167	42	awareness	awareness	NOUN
fbem-7719	167	43	of	of	ADP
fbem-7719	167	44	self	self	NOUN
fbem-7719	167	45	-	-	PUNCT
fbem-7719	167	46	protection	protection	NOUN
fbem-7719	167	47	,	,	PUNCT
fbem-7719	167	48	actively	actively	ADV
fbem-7719	167	49	carry	carry	VERB
fbem-7719	167	50	out	out	ADP
fbem-7719	167	51	financial	financial	ADJ
fbem-7719	167	52	consumption	consumption	NOUN
fbem-7719	167	53	knowledge	knowledge	NOUN
fbem-7719	167	54	education	education	NOUN
fbem-7719	167	55	communities	community	NOUN
fbem-7719	167	56	and	and	CCONJ
fbem-7719	167	57	knowledge	knowledge	NOUN
fbem-7719	167	58	education	education	NOUN
fbem-7719	167	59	forums	forum	NOUN
fbem-7719	167	60	,	,	PUNCT
fbem-7719	167	61	and	and	CCONJ
fbem-7719	167	62	make	make	VERB
fbem-7719	167	63	every	every	DET
fbem-7719	167	64	financial	financial	ADJ
fbem-7719	167	65	consumer	consumer	NOUN
fbem-7719	167	66	have	have	VERB
fbem-7719	167	67	a	a	DET
fbem-7719	167	68	sense	sense	NOUN
fbem-7719	167	69	of	of	ADP
fbem-7719	167	70	safeguarding	safeguard	VERB
fbem-7719	167	71	their	their	PRON
fbem-7719	167	72	rights	right	NOUN
fbem-7719	167	73	when	when	SCONJ
fbem-7719	167	74	their	their	PRON
fbem-7719	167	75	rights	right	NOUN
fbem-7719	167	76	and	and	CCONJ
fbem-7719	167	77	interests	interest	NOUN
fbem-7719	167	78	are	be	AUX
fbem-7719	167	79	infringed	infringe	VERB
fbem-7719	167	80	.	.	PUNCT
fbem-7719	168	1	it	it	PRON
fbem-7719	168	2	is	be	AUX
fbem-7719	168	3	necessary	necessary	ADJ
fbem-7719	168	4	to	to	PART
fbem-7719	168	5	obtain	obtain	VERB
fbem-7719	168	6	assistance	assistance	NOUN
fbem-7719	168	7	from	from	ADP
fbem-7719	168	8	legal	legal	ADJ
fbem-7719	168	9	provisions	provision	NOUN
fbem-7719	168	10	.	.	PUNCT
fbem-7719	169	1	there	there	PRON
fbem-7719	169	2	also	also	ADV
fbem-7719	169	3	needs	need	VERB
fbem-7719	169	4	to	to	PART
fbem-7719	169	5	be	be	AUX
fbem-7719	169	6	an	an	DET
fbem-7719	169	7	internal	internal	ADJ
fbem-7719	169	8	initiation	initiation	NOUN
fbem-7719	169	9	of	of	ADP
fbem-7719	169	10	the	the	DET
fbem-7719	169	11	financial	financial	ADJ
fbem-7719	169	12	consumer	consumer	NOUN
fbem-7719	169	13	,	,	PUNCT
fbem-7719	169	14	which	which	PRON
fbem-7719	169	15	protects	protect	VERB
fbem-7719	169	16	the	the	DET
fbem-7719	169	17	financial	financial	ADJ
fbem-7719	169	18	consumer	consumer	NOUN
fbem-7719	169	19	from	from	ADP
fbem-7719	169	20	two	two	NUM
fbem-7719	169	21	different	different	ADJ
fbem-7719	169	22	levels	level	NOUN
fbem-7719	169	23	and	and	CCONJ
fbem-7719	169	24	heights	height	NOUN
fbem-7719	169	25	.	.	PUNCT
fbem-7719	170	1	54	54	NUM
fbem-7719	170	2	5.2.2	5.2.2	NUM
fbem-7719	170	3	.	.	PUNCT
fbem-7719	171	1	improve	improve	VERB
fbem-7719	171	2	the	the	DET
fbem-7719	171	3	legal	legal	ADJ
fbem-7719	171	4	protection	protection	NOUN
fbem-7719	171	5	system	system	NOUN
fbem-7719	171	6	for	for	ADP
fbem-7719	171	7	financial	financial	ADJ
fbem-7719	171	8	consumers	consumer	NOUN
fbem-7719	171	9	the	the	DET
fbem-7719	171	10	concept	concept	NOUN
fbem-7719	171	11	of	of	ADP
fbem-7719	171	12	"	"	PUNCT
fbem-7719	171	13	financial	financial	ADJ
fbem-7719	171	14	consumer	consumer	NOUN
fbem-7719	171	15	"	"	PUNCT
fbem-7719	171	16	can	can	AUX
fbem-7719	171	17	not	not	PART
fbem-7719	171	18	be	be	AUX
fbem-7719	171	19	verified	verify	VERB
fbem-7719	171	20	in	in	ADP
fbem-7719	171	21	legal	legal	ADJ
fbem-7719	171	22	documents	document	NOUN
fbem-7719	171	23	.	.	PUNCT
fbem-7719	172	1	although	although	SCONJ
fbem-7719	172	2	there	there	PRON
fbem-7719	172	3	are	be	VERB
fbem-7719	172	4	such	such	ADJ
fbem-7719	172	5	concepts	concept	NOUN
fbem-7719	172	6	as	as	ADP
fbem-7719	172	7	"	"	PUNCT
fbem-7719	172	8	depositor	depositor	NOUN
fbem-7719	172	9	protection	protection	NOUN
fbem-7719	172	10	"	"	PUNCT
fbem-7719	172	11	,	,	PUNCT
fbem-7719	172	12	"	"	PUNCT
fbem-7719	172	13	investor	investor	NOUN
fbem-7719	172	14	protection	protection	NOUN
fbem-7719	172	15	"	"	PUNCT
fbem-7719	172	16	and	and	CCONJ
fbem-7719	172	17	"	"	PUNCT
fbem-7719	172	18	policyholder	policyholder	NOUN
fbem-7719	172	19	protection	protection	NOUN
fbem-7719	172	20	"	"	PUNCT
fbem-7719	172	21	in	in	ADP
fbem-7719	172	22	current	current	ADJ
fbem-7719	172	23	laws	law	NOUN
fbem-7719	172	24	,	,	PUNCT
fbem-7719	172	25	the	the	DET
fbem-7719	172	26	concept	concept	NOUN
fbem-7719	172	27	of	of	ADP
fbem-7719	172	28	"	"	PUNCT
fbem-7719	172	29	financial	financial	ADJ
fbem-7719	172	30	consumer	consumer	NOUN
fbem-7719	172	31	"	"	PUNCT
fbem-7719	172	32	is	be	AUX
fbem-7719	172	33	broader	broad	ADJ
fbem-7719	172	34	than	than	ADP
fbem-7719	172	35	these	these	DET
fbem-7719	172	36	concepts	concept	NOUN
fbem-7719	172	37	,	,	PUNCT
fbem-7719	172	38	which	which	PRON
fbem-7719	172	39	can	can	AUX
fbem-7719	172	40	include	include	VERB
fbem-7719	172	41	the	the	DET
fbem-7719	172	42	protection	protection	NOUN
fbem-7719	172	43	of	of	ADP
fbem-7719	172	44	ordinary	ordinary	ADJ
fbem-7719	172	45	people	people	NOUN
fbem-7719	172	46	as	as	ADP
fbem-7719	172	47	creditors	creditor	NOUN
fbem-7719	172	48	and	and	CCONJ
fbem-7719	172	49	debtors	debtor	NOUN
fbem-7719	172	50	.	.	PUNCT
fbem-7719	173	1	therefore	therefore	ADV
fbem-7719	173	2	,	,	PUNCT
fbem-7719	173	3	it	it	PRON
fbem-7719	173	4	is	be	AUX
fbem-7719	173	5	necessary	necessary	ADJ
fbem-7719	173	6	to	to	PART
fbem-7719	173	7	provide	provide	VERB
fbem-7719	173	8	legal	legal	ADJ
fbem-7719	173	9	basis	basis	NOUN
fbem-7719	173	10	for	for	ADP
fbem-7719	173	11	"	"	PUNCT
fbem-7719	173	12	financial	financial	ADJ
fbem-7719	173	13	consumer	consumer	NOUN
fbem-7719	173	14	protection	protection	NOUN
fbem-7719	173	15	"	"	PUNCT
fbem-7719	173	16	when	when	SCONJ
fbem-7719	173	17	the	the	DET
fbem-7719	173	18	new	new	ADJ
fbem-7719	173	19	financial	financial	ADJ
fbem-7719	173	20	law	law	NOUN
fbem-7719	173	21	is	be	AUX
fbem-7719	173	22	issued	issue	VERB
fbem-7719	173	23	or	or	CCONJ
fbem-7719	173	24	the	the	DET
fbem-7719	173	25	law	law	NOUN
fbem-7719	173	26	of	of	ADP
fbem-7719	173	27	commercial	commercial	ADJ
fbem-7719	173	28	banks	bank	NOUN
fbem-7719	173	29	is	be	AUX
fbem-7719	173	30	amended	amend	VERB
fbem-7719	173	31	.	.	PUNCT
fbem-7719	174	1	in	in	ADP
fbem-7719	174	2	addition	addition	NOUN
fbem-7719	174	3	,	,	PUNCT
fbem-7719	174	4	when	when	SCONJ
fbem-7719	174	5	revising	revise	VERB
fbem-7719	174	6	the	the	DET
fbem-7719	174	7	law	law	NOUN
fbem-7719	174	8	,	,	PUNCT
fbem-7719	174	9	it	it	PRON
fbem-7719	174	10	is	be	AUX
fbem-7719	174	11	necessary	necessary	ADJ
fbem-7719	174	12	to	to	PART
fbem-7719	174	13	clearly	clearly	ADV
fbem-7719	174	14	define	define	VERB
fbem-7719	174	15	the	the	DET
fbem-7719	174	16	basic	basic	ADJ
fbem-7719	174	17	rights	right	NOUN
fbem-7719	174	18	of	of	ADP
fbem-7719	174	19	financial	financial	ADJ
fbem-7719	174	20	consumers	consumer	NOUN
fbem-7719	174	21	so	so	SCONJ
fbem-7719	174	22	as	as	SCONJ
fbem-7719	174	23	to	to	PART
fbem-7719	174	24	provide	provide	VERB
fbem-7719	174	25	legal	legal	ADJ
fbem-7719	174	26	protection	protection	NOUN
fbem-7719	174	27	for	for	SCONJ
fbem-7719	174	28	consumers	consumer	NOUN
fbem-7719	174	29	to	to	PART
fbem-7719	174	30	properly	properly	ADV
fbem-7719	174	31	exercise	exercise	VERB
fbem-7719	174	32	their	their	PRON
fbem-7719	174	33	rights	right	NOUN
fbem-7719	174	34	.	.	PUNCT
fbem-7719	175	1	such	such	ADJ
fbem-7719	175	2	as	as	ADP
fbem-7719	175	3	the	the	DET
fbem-7719	175	4	right	right	NOUN
fbem-7719	175	5	of	of	ADP
fbem-7719	175	6	financial	financial	ADJ
fbem-7719	175	7	knowledge	knowledge	NOUN
fbem-7719	175	8	,	,	PUNCT
fbem-7719	175	9	the	the	DET
fbem-7719	175	10	right	right	NOUN
fbem-7719	175	11	of	of	ADP
fbem-7719	175	12	financial	financial	ADJ
fbem-7719	175	13	consumption	consumption	NOUN
fbem-7719	175	14	freedom	freedom	NOUN
fbem-7719	175	15	,	,	PUNCT
fbem-7719	175	16	the	the	DET
fbem-7719	175	17	right	right	NOUN
fbem-7719	175	18	of	of	ADP
fbem-7719	175	19	financial	financial	ADJ
fbem-7719	175	20	consumers	consumer	NOUN
fbem-7719	175	21	to	to	PART
fbem-7719	175	22	ask	ask	VERB
fbem-7719	175	23	for	for	ADP
fbem-7719	175	24	help	help	NOUN
fbem-7719	175	25	,	,	PUNCT
fbem-7719	175	26	etc	etc	X
fbem-7719	175	27	.	.	X
fbem-7719	175	28	5.2.3	5.2.3	X
fbem-7719	175	29	.	.	PUNCT
fbem-7719	175	30	establish	establish	VERB
fbem-7719	175	31	a	a	DET
fbem-7719	175	32	financial	financial	ADJ
fbem-7719	175	33	consumer	consumer	NOUN
fbem-7719	175	34	rights	right	NOUN
fbem-7719	175	35	and	and	CCONJ
fbem-7719	175	36	interests	interest	NOUN
fbem-7719	175	37	protection	protection	NOUN
fbem-7719	175	38	committee	committee	PROPN
fbem-7719	175	39	as	as	ADV
fbem-7719	175	40	far	far	ADV
fbem-7719	175	41	as	as	SCONJ
fbem-7719	175	42	the	the	DET
fbem-7719	175	43	protection	protection	NOUN
fbem-7719	175	44	of	of	ADP
fbem-7719	175	45	consumer	consumer	NOUN
fbem-7719	175	46	rights	right	NOUN
fbem-7719	175	47	,	,	PUNCT
fbem-7719	175	48	consumer	consumer	NOUN
fbem-7719	175	49	complaints	complaint	NOUN
fbem-7719	175	50	and	and	CCONJ
fbem-7719	175	51	dispute	dispute	NOUN
fbem-7719	175	52	resolution	resolution	NOUN
fbem-7719	175	53	is	be	AUX
fbem-7719	175	54	concerned	concern	VERB
fbem-7719	175	55	,	,	PUNCT
fbem-7719	175	56	we	we	PRON
fbem-7719	175	57	can	can	AUX
fbem-7719	175	58	not	not	PART
fbem-7719	175	59	find	find	VERB
fbem-7719	175	60	a	a	DET
fbem-7719	175	61	special	special	ADJ
fbem-7719	175	62	agency	agency	NOUN
fbem-7719	175	63	to	to	PART
fbem-7719	175	64	handle	handle	VERB
fbem-7719	175	65	such	such	ADJ
fbem-7719	175	66	problems	problem	NOUN
fbem-7719	175	67	at	at	ADP
fbem-7719	175	68	present	present	ADJ
fbem-7719	175	69	.	.	PUNCT
fbem-7719	176	1	although	although	SCONJ
fbem-7719	176	2	china	china	PROPN
fbem-7719	176	3	securities	securities	PROPN
fbem-7719	176	4	regulatory	regulatory	PROPN
fbem-7719	176	5	commission	commission	PROPN
fbem-7719	176	6	,	,	PUNCT
fbem-7719	176	7	china	china	PROPN
fbem-7719	176	8	banking	banking	PROPN
fbem-7719	176	9	regulatory	regulatory	ADJ
fbem-7719	176	10	commission	commission	PROPN
fbem-7719	176	11	and	and	CCONJ
fbem-7719	176	12	china	china	PROPN
fbem-7719	176	13	insurance	insurance	PROPN
fbem-7719	176	14	regulatory	regulatory	ADJ
fbem-7719	176	15	commission	commission	NOUN
fbem-7719	176	16	all	all	PRON
fbem-7719	176	17	have	have	VERB
fbem-7719	176	18	relevant	relevant	ADJ
fbem-7719	176	19	regulations	regulation	NOUN
fbem-7719	176	20	on	on	ADP
fbem-7719	176	21	the	the	DET
fbem-7719	176	22	protection	protection	NOUN
fbem-7719	176	23	of	of	ADP
fbem-7719	176	24	consumer	consumer	NOUN
fbem-7719	176	25	rights	right	NOUN
fbem-7719	176	26	and	and	CCONJ
fbem-7719	176	27	interests	interest	NOUN
fbem-7719	176	28	,	,	PUNCT
fbem-7719	176	29	they	they	PRON
fbem-7719	176	30	are	be	AUX
fbem-7719	176	31	not	not	PART
fbem-7719	176	32	specific	specific	ADJ
fbem-7719	176	33	enough	enough	ADV
fbem-7719	176	34	,	,	PUNCT
fbem-7719	176	35	and	and	CCONJ
fbem-7719	176	36	they	they	PRON
fbem-7719	176	37	do	do	AUX
fbem-7719	176	38	not	not	PART
fbem-7719	176	39	put	put	VERB
fbem-7719	176	40	forward	forward	ADV
fbem-7719	176	41	the	the	DET
fbem-7719	176	42	specific	specific	ADJ
fbem-7719	176	43	rights	right	NOUN
fbem-7719	176	44	of	of	ADP
fbem-7719	176	45	financial	financial	ADJ
fbem-7719	176	46	consumers	consumer	NOUN
fbem-7719	176	47	,	,	PUNCT
fbem-7719	176	48	and	and	CCONJ
fbem-7719	176	49	how	how	SCONJ
fbem-7719	176	50	to	to	PART
fbem-7719	176	51	complain	complain	VERB
fbem-7719	176	52	and	and	CCONJ
fbem-7719	176	53	remedy	remedy	VERB
fbem-7719	176	54	when	when	SCONJ
fbem-7719	176	55	the	the	DET
fbem-7719	176	56	rights	right	NOUN
fbem-7719	176	57	and	and	CCONJ
fbem-7719	176	58	interests	interest	NOUN
fbem-7719	176	59	of	of	ADP
fbem-7719	176	60	consumers	consumer	NOUN
fbem-7719	176	61	are	be	AUX
fbem-7719	176	62	infringed	infringe	VERB
fbem-7719	176	63	.	.	PUNCT
fbem-7719	177	1	therefore	therefore	ADV
fbem-7719	177	2	,	,	PUNCT
fbem-7719	177	3	it	it	PRON
fbem-7719	177	4	is	be	AUX
fbem-7719	177	5	necessary	necessary	ADJ
fbem-7719	177	6	to	to	PART
fbem-7719	177	7	set	set	VERB
fbem-7719	177	8	up	up	ADP
fbem-7719	177	9	a	a	DET
fbem-7719	177	10	special	special	ADJ
fbem-7719	177	11	organization	organization	NOUN
fbem-7719	177	12	to	to	PART
fbem-7719	177	13	explain	explain	VERB
fbem-7719	177	14	and	and	CCONJ
fbem-7719	177	15	solve	solve	VERB
fbem-7719	177	16	these	these	DET
fbem-7719	177	17	problems	problem	NOUN
fbem-7719	177	18	systematically	systematically	ADV
fbem-7719	177	19	.	.	PUNCT
fbem-7719	178	1	5.2.4	5.2.4	NUM
fbem-7719	178	2	.	.	PUNCT
fbem-7719	179	1	strengthen	strengthen	VERB
fbem-7719	179	2	financial	financial	ADJ
fbem-7719	179	3	consumption	consumption	NOUN
fbem-7719	179	4	information	information	NOUN
fbem-7719	179	5	disclosure	disclosure	VERB
fbem-7719	179	6	the	the	DET
fbem-7719	179	7	financial	financial	ADJ
fbem-7719	179	8	market	market	NOUN
fbem-7719	179	9	is	be	AUX
fbem-7719	179	10	intangible	intangible	ADJ
fbem-7719	179	11	and	and	CCONJ
fbem-7719	179	12	complex	complex	ADJ
fbem-7719	179	13	,	,	PUNCT
fbem-7719	179	14	and	and	CCONJ
fbem-7719	179	15	consumers	consumer	NOUN
fbem-7719	179	16	can	can	AUX
fbem-7719	179	17	not	not	PART
fbem-7719	179	18	timely	timely	ADV
fbem-7719	179	19	understand	understand	VERB
fbem-7719	179	20	financial	financial	ADJ
fbem-7719	179	21	news	news	NOUN
fbem-7719	179	22	,	,	PUNCT
fbem-7719	179	23	but	but	CCONJ
fbem-7719	179	24	consumers	consumer	NOUN
fbem-7719	179	25	need	need	VERB
fbem-7719	179	26	to	to	PART
fbem-7719	179	27	realize	realize	VERB
fbem-7719	179	28	the	the	DET
fbem-7719	179	29	right	right	NOUN
fbem-7719	179	30	to	to	PART
fbem-7719	179	31	know	know	VERB
fbem-7719	179	32	about	about	ADP
fbem-7719	179	33	financial	financial	ADJ
fbem-7719	179	34	consumption	consumption	NOUN
fbem-7719	179	35	.	.	PUNCT
fbem-7719	180	1	in	in	ADP
fbem-7719	180	2	order	order	NOUN
fbem-7719	180	3	to	to	PART
fbem-7719	180	4	ensure	ensure	VERB
fbem-7719	180	5	the	the	DET
fbem-7719	180	6	realization	realization	NOUN
fbem-7719	180	7	of	of	ADP
fbem-7719	180	8	the	the	DET
fbem-7719	180	9	legitimate	legitimate	ADJ
fbem-7719	180	10	rights	right	NOUN
fbem-7719	180	11	and	and	CCONJ
fbem-7719	180	12	interests	interest	NOUN
fbem-7719	180	13	of	of	ADP
fbem-7719	180	14	financial	financial	ADJ
fbem-7719	180	15	consumers	consumer	NOUN
fbem-7719	180	16	,	,	PUNCT
fbem-7719	180	17	financial	financial	ADJ
fbem-7719	180	18	institutions	institution	NOUN
fbem-7719	180	19	need	need	VERB
fbem-7719	180	20	to	to	PART
fbem-7719	180	21	improve	improve	VERB
fbem-7719	180	22	the	the	DET
fbem-7719	180	23	transparency	transparency	NOUN
fbem-7719	180	24	of	of	ADP
fbem-7719	180	25	financial	financial	ADJ
fbem-7719	180	26	news	news	NOUN
fbem-7719	180	27	,	,	PUNCT
fbem-7719	180	28	so	so	SCONJ
fbem-7719	180	29	that	that	SCONJ
fbem-7719	180	30	financial	financial	ADJ
fbem-7719	180	31	consumers	consumer	NOUN
fbem-7719	180	32	in	in	ADP
fbem-7719	180	33	need	need	NOUN
fbem-7719	180	34	of	of	ADP
fbem-7719	180	35	timely	timely	ADJ
fbem-7719	180	36	and	and	CCONJ
fbem-7719	180	37	accurate	accurate	ADJ
fbem-7719	180	38	access	access	NOUN
fbem-7719	180	39	to	to	ADP
fbem-7719	180	40	information	information	NOUN
fbem-7719	180	41	.	.	PUNCT
fbem-7719	181	1	acknowledgment	acknowledgment	NOUN
fbem-7719	181	2	2021	2021	NUM
fbem-7719	181	3	autumn	autumn	NOUN
fbem-7719	181	4	innovation	innovation	NOUN
fbem-7719	181	5	and	and	CCONJ
fbem-7719	181	6	entrepreneurship	entrepreneurship	NOUN
fbem-7719	181	7	training	training	NOUN
fbem-7719	181	8	program	program	NOUN
fbem-7719	181	9	for	for	ADP
fbem-7719	181	10	college	college	NOUN
fbem-7719	181	11	students	student	NOUN
fbem-7719	181	12	"	"	PUNCT
fbem-7719	181	13	practice	practice	NOUN
fbem-7719	181	14	of	of	ADP
fbem-7719	181	15	financial	financial	ADJ
fbem-7719	181	16	consumer	consumer	NOUN
fbem-7719	181	17	rights	right	NOUN
fbem-7719	181	18	and	and	CCONJ
fbem-7719	181	19	interests	interest	NOUN
fbem-7719	181	20	protection	protection	NOUN
fbem-7719	181	21	innovation	innovation	NOUN
fbem-7719	181	22	in	in	ADP
fbem-7719	181	23	various	various	ADJ
fbem-7719	181	24	countries	country	NOUN
fbem-7719	181	25	and	and	CCONJ
fbem-7719	181	26	its	its	PRON
fbem-7719	181	27	reference	reference	NOUN
fbem-7719	181	28	to	to	ADP
fbem-7719	181	29	china	china	PROPN
fbem-7719	181	30	"	"	PUNCT
fbem-7719	181	31	(	(	PUNCT
fbem-7719	181	32	2021ax05018z	2021ax05018z	NUM
fbem-7719	181	33	)	)	PUNCT
fbem-7719	181	34	.	.	PUNCT
fbem-7719	182	1	references	reference	NOUN
fbem-7719	182	2	[	[	X
fbem-7719	182	3	1	1	NUM
fbem-7719	182	4	]	]	X
fbem-7719	182	5	zhao	zhao	PROPN
fbem-7719	182	6	yuting	yuting	NOUN
fbem-7719	182	7	,	,	PUNCT
fbem-7719	182	8	li	li	PROPN
fbem-7719	182	9	yunjing	yunjing	PROPN
fbem-7719	182	10	.	.	PUNCT
fbem-7719	183	1	japan	japan	PROPN
fbem-7719	183	2	's	's	PART
fbem-7719	183	3	financial	financial	ADJ
fbem-7719	183	4	regulatory	regulatory	ADJ
fbem-7719	183	5	system	system	NOUN
fbem-7719	183	6	reform	reform	NOUN
fbem-7719	183	7	and	and	CCONJ
fbem-7719	183	8	its	its	PRON
fbem-7719	183	9	implications	implication	NOUN
fbem-7719	183	10	for	for	ADP
fbem-7719	183	11	china	china	PROPN
fbem-7719	184	1	[	[	X
fbem-7719	184	2	j	j	X
fbem-7719	184	3	]	]	X
fbem-7719	184	4	.	.	PUNCT
fbem-7719	185	1	taxation	taxation	NOUN
fbem-7719	185	2	&	&	CCONJ
fbem-7719	185	3	economics	economic	NOUN
fbem-7719	185	4	,	,	PUNCT
fbem-7719	185	5	2018(05):48	2018(05):48	NUM
fbem-7719	185	6	-	-	SYM
fbem-7719	185	7	53	53	NUM
fbem-7719	185	8	.	.	PUNCT
fbem-7719	186	1	(	(	PUNCT
fbem-7719	186	2	in	in	ADP
fbem-7719	186	3	chinese	chinese	PROPN
fbem-7719	186	4	)	)	PUNCT
fbem-7719	187	1	[	[	X
fbem-7719	187	2	2	2	X
fbem-7719	187	3	]	]	X
fbem-7719	187	4	liu	liu	PROPN
fbem-7719	187	5	guohua	guohua	PROPN
fbem-7719	187	6	,	,	PUNCT
fbem-7719	187	7	pan	pan	VERB
fbem-7719	187	8	zhilin	zhilin	PROPN
fbem-7719	187	9	.	.	PUNCT
fbem-7719	188	1	on	on	ADP
fbem-7719	188	2	the	the	DET
fbem-7719	188	3	legal	legal	ADJ
fbem-7719	188	4	protection	protection	NOUN
fbem-7719	188	5	of	of	ADP
fbem-7719	188	6	financial	financial	ADJ
fbem-7719	188	7	consumers	consumer	NOUN
fbem-7719	188	8	'	'	PART
fbem-7719	188	9	rights	right	NOUN
fbem-7719	188	10	and	and	CCONJ
fbem-7719	188	11	interests	interest	NOUN
fbem-7719	188	12	[	[	X
fbem-7719	188	13	j	j	X
fbem-7719	188	14	]	]	X
fbem-7719	188	15	.	.	PUNCT
fbem-7719	189	1	business	business	NOUN
fbem-7719	189	2	economics	economic	NOUN
fbem-7719	189	3	research	research	NOUN
fbem-7719	189	4	,	,	PUNCT
fbem-7719	189	5	2017	2017	NUM
fbem-7719	189	6	(	(	PUNCT
fbem-7719	189	7	12):147	12):147	NUM
fbem-7719	189	8	-	-	SYM
fbem-7719	189	9	149	149	NUM
fbem-7719	189	10	.	.	PUNCT
fbem-7719	190	1	[	[	X
fbem-7719	190	2	3	3	NUM
fbem-7719	190	3	]	]	X
fbem-7719	190	4	zong	zong	PROPN
fbem-7719	190	5	chengyuan	chengyuan	PROPN
fbem-7719	190	6	.	.	PUNCT
fbem-7719	191	1	financial	financial	ADJ
fbem-7719	191	2	regulatory	regulatory	ADJ
fbem-7719	191	3	system	system	NOUN
fbem-7719	191	4	reform	reform	NOUN
fbem-7719	191	5	in	in	ADP
fbem-7719	191	6	america	america	PROPN
fbem-7719	191	7	,	,	PUNCT
fbem-7719	191	8	britain	britain	PROPN
fbem-7719	191	9	,	,	PUNCT
fbem-7719	191	10	japan	japan	PROPN
fbem-7719	191	11	and	and	CCONJ
fbem-7719	191	12	germany	germany	PROPN
fbem-7719	191	13	after	after	ADP
fbem-7719	191	14	the	the	DET
fbem-7719	191	15	subprime	subprime	ADJ
fbem-7719	191	16	crisis	crisis	NOUN
fbem-7719	191	17	and	and	CCONJ
fbem-7719	191	18	its	its	PRON
fbem-7719	191	19	reference	reference	NOUN
fbem-7719	191	20	to	to	ADP
fbem-7719	191	21	china	china	PROPN
fbem-7719	192	1	[	[	X
fbem-7719	192	2	j	j	X
fbem-7719	192	3	]	]	X
fbem-7719	192	4	.	.	PUNCT
fbem-7719	193	1	rural	rural	ADJ
fbem-7719	193	2	finance	finance	NOUN
fbem-7719	193	3	research	research	NOUN
fbem-7719	193	4	,	,	PUNCT
fbem-7719	193	5	2016	2016	NUM
fbem-7719	193	6	(	(	PUNCT
fbem-7719	193	7	07	07	NUM
fbem-7719	193	8	):	):	PUNCT
fbem-7719	193	9	31	31	NUM
fbem-7719	193	10	-	-	SYM
fbem-7719	193	11	36	36	NUM
fbem-7719	193	12	.	.	PUNCT
fbem-7719	194	1	[	[	X
fbem-7719	194	2	4	4	X
fbem-7719	194	3	]	]	PUNCT
fbem-7719	194	4	yang	yang	PROPN
fbem-7719	194	5	dong	dong	PROPN
fbem-7719	194	6	.	.	PUNCT
fbem-7719	195	1	construction	construction	NOUN
fbem-7719	195	2	of	of	ADP
fbem-7719	195	3	integrated	integrate	VERB
fbem-7719	195	4	legislation	legislation	NOUN
fbem-7719	195	5	system	system	NOUN
fbem-7719	195	6	for	for	ADP
fbem-7719	195	7	financial	financial	ADJ
fbem-7719	195	8	consumer	consumer	NOUN
fbem-7719	195	9	protection	protection	NOUN
fbem-7719	195	10	in	in	ADP
fbem-7719	195	11	china	china	PROPN
fbem-7719	195	12	-from	-from	PROPN
fbem-7719	195	13	the	the	DET
fbem-7719	195	14	perspective	perspective	NOUN
fbem-7719	195	15	of	of	ADP
fbem-7719	195	16	japanese	japanese	ADJ
fbem-7719	195	17	legislative	legislative	ADJ
fbem-7719	195	18	experience	experience	NOUN
fbem-7719	196	1	[	[	X
fbem-7719	196	2	j	j	X
fbem-7719	196	3	]	]	X
fbem-7719	196	4	.	.	PUNCT
fbem-7719	197	1	social	social	ADJ
fbem-7719	197	2	sciences	sciences	PROPN
fbem-7719	197	3	,	,	PUNCT
fbem-7719	197	4	2013	2013	NUM
fbem-7719	197	5	(	(	PUNCT
fbem-7719	197	6	08	08	NUM
fbem-7719	197	7	):	):	PUNCT
fbem-7719	197	8	108	108	NUM
fbem-7719	197	9	-	-	SYM
fbem-7719	197	10	115	115	NUM
fbem-7719	197	11	.	.	PUNCT
fbem-7719	198	1	[	[	X
fbem-7719	198	2	5	5	NUM
fbem-7719	198	3	]	]	PUNCT
fbem-7719	198	4	yang	yang	PROPN
fbem-7719	198	5	dong	dong	PROPN
fbem-7719	198	6	.	.	PUNCT
fbem-7719	199	1	the	the	DET
fbem-7719	199	2	innovation	innovation	NOUN
fbem-7719	199	3	of	of	ADP
fbem-7719	199	4	financial	financial	ADJ
fbem-7719	199	5	adr	adr	PROPN
fbem-7719	199	6	system	system	NOUN
fbem-7719	199	7	in	in	ADP
fbem-7719	199	8	japan	japan	PROPN
fbem-7719	199	9	and	and	CCONJ
fbem-7719	199	10	its	its	PRON
fbem-7719	199	11	reference	reference	NOUN
fbem-7719	199	12	to	to	ADP
fbem-7719	199	13	china	china	PROPN
fbem-7719	200	1	[	[	X
fbem-7719	200	2	j	j	X
fbem-7719	200	3	]	]	X
fbem-7719	200	4	.	.	PUNCT
fbem-7719	201	1	journal	journal	PROPN
fbem-7719	201	2	of	of	ADP
fbem-7719	201	3	northwest	northwest	PROPN
fbem-7719	201	4	university	university	PROPN
fbem-7719	201	5	of	of	ADP
fbem-7719	201	6	political	political	ADJ
fbem-7719	201	7	science	science	NOUN
fbem-7719	201	8	and	and	CCONJ
fbem-7719	201	9	law,2013,31(03):182	law,2013,31(03):182	NOUN
fbem-7719	201	10	-	-	PUNCT
fbem-7719	201	11	189	189	NUM
fbem-7719	201	12	.	.	PUNCT
fbem-7719	202	1	[	[	X
fbem-7719	202	2	6	6	NUM
fbem-7719	202	3	]	]	PUNCT
fbem-7719	202	4	he	he	PRON
fbem-7719	202	5	ying	ying	PROPN
fbem-7719	202	6	.	.	PUNCT
fbem-7719	203	1	analysis	analysis	NOUN
fbem-7719	203	2	on	on	ADP
fbem-7719	203	3	the	the	DET
fbem-7719	203	4	reform	reform	NOUN
fbem-7719	203	5	of	of	ADP
fbem-7719	203	6	financial	financial	ADJ
fbem-7719	203	7	consumer	consumer	NOUN
fbem-7719	203	8	protection	protection	NOUN
fbem-7719	203	9	system	system	NOUN
fbem-7719	203	10	in	in	ADP
fbem-7719	203	11	japan	japan	PROPN
fbem-7719	204	1	[	[	X
fbem-7719	204	2	j	j	X
fbem-7719	204	3	]	]	X
fbem-7719	204	4	.	.	PUNCT
fbem-7719	205	1	japan	japan	PROPN
fbem-7719	205	2	journal,2011(01):93	journal,2011(01):93	PROPN
fbem-7719	205	3	-	-	PUNCT
fbem-7719	205	4	105	105	NUM
fbem-7719	205	5	.	.	PUNCT
fbem-7719	206	1	[	[	X
fbem-7719	206	2	7	7	NUM
fbem-7719	206	3	]	]	X
fbem-7719	206	4	wu	wu	PROPN
fbem-7719	206	5	seong	seong	PROPN
fbem-7719	206	6	gon	gon	PROPN
fbem-7719	206	7	.	.	PUNCT
fbem-7719	207	1	comparative	comparative	ADJ
fbem-7719	207	2	study	study	NOUN
fbem-7719	207	3	on	on	ADP
fbem-7719	207	4	the	the	DET
fbem-7719	207	5	legal	legal	ADJ
fbem-7719	207	6	system	system	NOUN
fbem-7719	207	7	of	of	ADP
fbem-7719	207	8	financial	financial	ADJ
fbem-7719	207	9	consumer	consumer	NOUN
fbem-7719	207	10	rights	right	NOUN
fbem-7719	207	11	protection	protection	NOUN
fbem-7719	207	12	between	between	ADP
fbem-7719	207	13	china	china	PROPN
fbem-7719	207	14	and	and	CCONJ
fbem-7719	207	15	south	south	PROPN
fbem-7719	207	16	korea	korea	PROPN
fbem-7719	208	1	[	[	X
fbem-7719	208	2	d	d	X
fbem-7719	208	3	]	]	X
fbem-7719	208	4	.	.	PUNCT
fbem-7719	209	1	east	east	PROPN
fbem-7719	209	2	china	china	PROPN
fbem-7719	209	3	university	university	PROPN
fbem-7719	209	4	of	of	ADP
fbem-7719	209	5	political	political	ADJ
fbem-7719	209	6	science	science	NOUN
fbem-7719	209	7	and	and	CCONJ
fbem-7719	209	8	law,2018	law,2018	NOUN
fbem-7719	209	9	.	.	PUNCT
fbem-7719	210	1	[	[	X
fbem-7719	210	2	8	8	NUM
fbem-7719	210	3	]	]	X
fbem-7719	210	4	wu	wu	PROPN
fbem-7719	210	5	tong	tong	PROPN
fbem-7719	210	6	.	.	PUNCT
fbem-7719	211	1	consumer	consumer	NOUN
fbem-7719	211	2	financial	financial	ADJ
fbem-7719	211	3	literacy	literacy	NOUN
fbem-7719	211	4	and	and	CCONJ
fbem-7719	211	5	financial	financial	ADJ
fbem-7719	211	6	consumer	consumer	NOUN
fbem-7719	211	7	rights	right	NOUN
fbem-7719	211	8	protection	protection	NOUN
fbem-7719	212	1	[	[	X
fbem-7719	212	2	d	d	X
fbem-7719	212	3	]	]	X
fbem-7719	212	4	.	.	PUNCT
fbem-7719	213	1	university	university	NOUN
fbem-7719	213	2	of	of	ADP
fbem-7719	213	3	international	international	ADJ
fbem-7719	213	4	business	business	NOUN
fbem-7719	213	5	and	and	CCONJ
fbem-7719	213	6	economics,2020	economics,2020	NOUN
fbem-7719	213	7	.	.	PUNCT
fbem-7719	214	1	[	[	X
fbem-7719	214	2	9	9	NUM
fbem-7719	214	3	]	]	PUNCT
fbem-7719	214	4	on	on	ADP
fbem-7719	214	5	the	the	DET
fbem-7719	214	6	protection	protection	NOUN
fbem-7719	214	7	of	of	ADP
fbem-7719	214	8	the	the	DET
fbem-7719	214	9	rights	right	NOUN
fbem-7719	214	10	and	and	CCONJ
fbem-7719	214	11	interests	interest	NOUN
fbem-7719	214	12	of	of	ADP
fbem-7719	214	13	financial	financial	ADJ
fbem-7719	214	14	consumers	consumer	NOUN
fbem-7719	214	15	from	from	ADP
fbem-7719	214	16	the	the	DET
fbem-7719	214	17	complaints	complaint	NOUN
fbem-7719	214	18	of	of	ADP
fbem-7719	214	19	financial	financial	ADJ
fbem-7719	214	20	consumers	consumer	NOUN
fbem-7719	214	21	in	in	ADP
fbem-7719	214	22	recent	recent	ADJ
fbem-7719	214	23	two	two	NUM
fbem-7719	214	24	years	year	NOUN
fbem-7719	214	25	,	,	PUNCT
fbem-7719	214	26	author	author	NOUN
fbem-7719	214	27	:	:	PUNCT
fbem-7719	214	28	bai	bai	PROPN
fbem-7719	214	29	guihua	guihua	PROPN
fbem-7719	214	30	[	[	X
fbem-7719	214	31	10	10	NUM
fbem-7719	214	32	]	]	X
fbem-7719	214	33	wang	wang	PROPN
fbem-7719	214	34	haiping	haiping	PROPN
fbem-7719	214	35	,	,	PUNCT
fbem-7719	214	36	chen	chen	PROPN
fbem-7719	214	37	guodong	guodong	PROPN
fbem-7719	214	38	,	,	PUNCT
fbem-7719	214	39	chen	chen	PROPN
fbem-7719	214	40	hua	hua	PROPN
fbem-7719	214	41	.	.	PUNCT
fbem-7719	215	1	"	"	PUNCT
fbem-7719	215	2	financial	financial	ADJ
fbem-7719	215	3	consumer	consumer	NOUN
fbem-7719	215	4	rights	right	NOUN
fbem-7719	215	5	protection	protection	NOUN
fbem-7719	215	6	:	:	PUNCT
fbem-7719	215	7	market	market	NOUN
fbem-7719	215	8	failure	failure	NOUN
fbem-7719	215	9	and	and	CCONJ
fbem-7719	215	10	government	government	NOUN
fbem-7719	215	11	intervention	intervention	NOUN
fbem-7719	215	12	"	"	PUNCT
fbem-7719	216	1	[	[	X
fbem-7719	216	2	11	11	NUM
fbem-7719	216	3	]	]	PUNCT
fbem-7719	216	4	on	on	ADP
fbem-7719	216	5	the	the	DET
fbem-7719	216	6	protection	protection	NOUN
fbem-7719	216	7	of	of	ADP
fbem-7719	216	8	the	the	DET
fbem-7719	216	9	rights	right	NOUN
fbem-7719	216	10	and	and	CCONJ
fbem-7719	216	11	interests	interest	NOUN
fbem-7719	216	12	of	of	ADP
fbem-7719	216	13	financial	financial	ADJ
fbem-7719	216	14	consumers	consumer	NOUN
fbem-7719	216	15	in	in	ADP
fbem-7719	216	16	the	the	DET
fbem-7719	216	17	securities	security	NOUN
fbem-7719	216	18	market	market	NOUN
fbem-7719	216	19	,	,	PUNCT
fbem-7719	216	20	author	author	NOUN
fbem-7719	216	21	:	:	PUNCT
fbem-7719	216	22	li	li	PROPN
fbem-7719	216	23	yun	yun	PROPN
fbem-7719	216	24	.	.	PUNCT