{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002684669,0.0001411468,0.0003168786,0.0007391199,0.0004715001,0.001716278,0.0003192149,0.0005692819,0.006902462],"category_scores_gemma":[0.0237738,0.0001357173,0.0001961909,0.001034694,0.001603064,0.001052323,0.0009242781,0.0007940658,0.0003789777],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004820489,"about_ca_system_score_gemma":0.0004221922,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003450435,"about_ca_topic_score_gemma":0.003261375,"domain_scores_codex":[0.9984311,0.0006286299,0.0001738117,0.0001880361,0.0003185578,0.0002599239],"domain_scores_gemma":[0.9285283,0.0194071,0.04504751,0.002359412,0.001923184,0.002734482],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0003002534,0.0002298726,0.9824995,0.0000427614,0.0001119039,0.0001141954,0.0005129052,0.002574853,0.0007812774,0.002911323,0.0003514404,0.009569678],"study_design_scores_gemma":[0.00002437718,0.0001259924,0.9942067,0.00002759311,0.00002854984,0.00006696925,0.0004411148,0.001316422,0.0003831847,0.002595546,0.000772897,0.00001070066],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9972689,0.0001847629,0.0001600675,0.0002083742,0.000002421657,0.000006880661,0.0001114031,0.000003452977,0.002053894],"genre_scores_gemma":[0.9996604,0.00003835454,0.00003448209,0.00001373472,0.000004759443,0.000001962969,0.00004088111,7.852373e-7,0.0002047204],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006902462,"threshold_uncertainty_score":0.02309102,"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."}}