{"id":"W2088938895","doi":"10.1142/s108494671100194x","title":"THE DETERMINANTS OF RISK PREMIUM: THE CASE OF BANK LINES OF CREDIT GRANTED TO SMEs","year":2011,"lang":"en","type":"article","venue":"Journal of Developmental Entrepreneurship","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":15,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université du Québec à Montréal; Université du Québec à Trois-Rivières","funders":"","keywords":"Business; Bank credit; Credit risk; Quality (philosophy); Transactional leadership; Financial system; Monetary economics; Finance; Economics","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001721725,0.0001340635,0.0004314699,0.000198359,0.0001100675,0.00001448259,0.0005116055,0.00005970932,0.00009341495],"category_scores_gemma":[0.001279762,0.00009146916,0.0001767365,0.0003664945,0.0002084962,0.0001264363,0.00009995246,0.0001358248,0.000004341928],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00005551529,"about_ca_system_score_gemma":0.00008184509,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002047066,"about_ca_topic_score_gemma":0.0002209127,"domain_scores_codex":[0.9977978,0.00007784277,0.001655802,0.0001733205,0.0001041089,0.0001911255],"domain_scores_gemma":[0.9967727,0.0004829488,0.002153124,0.0003027546,0.0002292216,0.00005924411],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000145087,0.0001897027,0.9844502,0.00003838507,0.00006477092,0.00001614679,0.006204091,0.00005385515,0.0001273081,0.001322256,0.00006438046,0.007323836],"study_design_scores_gemma":[0.0004803507,0.0001688406,0.958222,0.00009099711,0.00003056703,0.0003410739,0.0007205223,0.0001378438,0.02981105,0.009707495,0.0001638112,0.0001253878],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9978904,0.0007496435,0.0001328989,0.0000750105,0.0004811722,0.0001698561,0.00006146039,0.000003549705,0.0004359996],"genre_scores_gemma":[0.9981197,0.0001422721,0.001631246,0.000008847281,0.0000412649,0.000002476196,5.168313e-7,0.00001259973,0.00004108433],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02968374,"threshold_uncertainty_score":0.3730004,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03684626303758026,"score_gpt":0.2393478078417041,"score_spread":0.2025015448041238,"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."}}