{"id":"W2123464748","doi":"10.5430/jms.v5n2p63","title":"Banks' Micro Enterprises Loan Credit Risk Decision-making Model Innovation in the Era of Big Data and Internet Finance","year":2014,"lang":"en","type":"article","venue":"Journal of Management and Strategy","topic":"FinTech, Crowdfunding, Digital Finance","field":"Business, Management and Accounting","cited_by":3,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Loan; Big data; The Internet; Business; Business model; Profit (economics); Finance; Point (geometry); Profit model; Credit risk; Marketing; Economics; Computer science","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001360019,0.0001440247,0.0002284989,0.0004001611,0.0000544937,0.0003984009,0.0005711085,0.0000396872,0.000004771453],"category_scores_gemma":[0.00019122,0.0001057172,0.0000281113,0.0004801591,0.0000686675,0.001347547,0.0003850491,0.0002470527,0.000001815422],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00001149486,"about_ca_system_score_gemma":0.00000905499,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00003226013,"about_ca_topic_score_gemma":0.00006188542,"domain_scores_codex":[0.9986988,0.00001436795,0.0006679093,0.0002042337,0.0002569208,0.0001578247],"domain_scores_gemma":[0.998634,0.00009914661,0.0008977846,0.0002502243,0.0001143861,0.00000447822],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"observational","study_design_scores_codex":[0.0002921178,0.0001567582,0.06436038,0.0003552068,0.00005708235,0.00003749965,0.000153266,0.001434321,0.0000492989,0.04699166,0.0103204,0.875792],"study_design_scores_gemma":[0.003108793,0.000271499,0.42621,0.003007666,0.000270801,0.00004067622,0.001142863,0.3337396,0.00004869116,0.1833527,0.04814861,0.0006581086],"study_design_candidate":"design_other","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9375215,0.000338988,0.05415278,0.0001717948,0.0001812697,0.000131655,0.000006011117,0.000005722803,0.007490294],"genre_scores_gemma":[0.9976495,0.0002974987,0.00148982,0.0002455609,0.0002326999,0.000001481278,0.000005538384,0.00001026083,0.0000676429],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.8751339,"threshold_uncertainty_score":0.4311024,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03153579302035555,"score_gpt":0.2554894778896013,"score_spread":0.2239536848692457,"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."}}