{"id":"W1980599199","doi":"10.1111/j.1540-6261.2009.01450.x","title":"Creditor Rights, Enforcement, and Bank Loans","year":2009,"lang":"en","type":"article","venue":"The Journal of Finance","topic":"Corporate Finance and Governance","field":"Business, Management and Accounting","cited_by":795,"is_retracted":false,"has_abstract":true,"ca_institutions":"Queen's University","funders":"","keywords":"Loan; Creditor; Maturity (psychological); Business; Enforcement; Financial system; Participation loan; Cross-collateralization; Non-conforming loan; Monetary economics; Non-performing loan; Finance; Debt; Economics","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0003642646,0.0001032819,0.0001575017,0.00005042393,0.0001502228,0.00006474971,0.0002639705,0.00002786806,0.00004003968],"category_scores_gemma":[0.00002966342,0.0000638408,0.00004492847,0.000202227,0.00004761168,0.0008931386,0.0000243201,0.0001540917,0.00003420502],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00001313342,"about_ca_system_score_gemma":0.00001702993,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00008182886,"about_ca_topic_score_gemma":0.00001951835,"domain_scores_codex":[0.9993055,0.000005355528,0.0002598564,0.00006933167,0.0002024347,0.000157543],"domain_scores_gemma":[0.999064,0.00002482466,0.0006338553,0.0001431996,0.0001281845,0.000005940851],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0009588536,0.0002530244,0.01702555,0.00009580777,0.00005694992,0.0001796013,0.0003332729,0.001040849,0.002551556,0.2070921,0.7081209,0.06229159],"study_design_scores_gemma":[0.0006287654,0.00007131793,0.1912313,0.0001165298,0.00004540344,0.0000308267,0.00001397162,0.0002781076,0.0001489381,0.01479162,0.7925178,0.0001254264],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9824291,0.001362997,0.001323034,0.00419218,0.0009547149,0.00009863419,0.000002410477,0.00001338768,0.009623545],"genre_scores_gemma":[0.9941717,0.000430077,0.00007809106,0.001637992,0.002916578,3.724062e-7,3.519177e-7,0.000004758931,0.0007600167],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1923005,"threshold_uncertainty_score":0.2603352,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01056042657447599,"score_gpt":0.2020925497393655,"score_spread":0.1915321231648895,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}