{"id":"W2137852504","doi":"10.2139/ssrn.1287687","title":"Misaligned Incentives and Mortgage Lending in Asia","year":2007,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":2,"is_retracted":false,"has_abstract":false,"ca_institutions":"Simon Fraser University","funders":"","keywords":"Commercial mortgage-backed security; Business; Mortgage underwriting; Incentive; Financial system; Shared appreciation mortgage; Collateralized mortgage obligation; Secondary mortgage market; Mortgage insurance; Economics; Monetary economics; Finance; Market economy","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":[0.001327499,0.00016074,0.0005920663,0.0005844816,0.000603063,0.003032135,0.0003363536,0.001018053,0.004360738],"category_scores_gemma":[0.005894583,0.0003070002,0.0002684155,0.00103019,0.001224694,0.002346538,0.001648947,0.001262644,0.0003361087],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00130737,"about_ca_system_score_gemma":0.001244891,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01418006,"about_ca_topic_score_gemma":0.0150647,"domain_scores_codex":[0.9996828,0.00007754577,0.0000377266,0.00005519576,0.00003755325,0.0001091671],"domain_scores_gemma":[0.9942801,0.00128904,0.00308035,0.000241323,0.0004663451,0.0006430058],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0007974542,0.0002167146,0.8945176,0.0001301555,0.000156155,0.001944942,0.002290585,0.01074131,0.001869853,0.06512322,0.003489563,0.01872244],"study_design_scores_gemma":[0.0001329672,0.0002256809,0.9050905,0.00008251888,0.0002232698,0.0005370182,0.00731937,0.02010322,0.001406019,0.05924787,0.005565621,0.00006586902],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9918306,0.0004446326,0.0004436517,0.001680439,0.0000186571,0.000004721112,0.0001311673,0.00001394477,0.005432052],"genre_scores_gemma":[0.9991634,0.0001445097,0.00004519983,0.00006507795,0.00001833949,0.000001663604,0.00003216889,0.000003161926,0.0005264246],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01418006,"threshold_uncertainty_score":0.02819508,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01231416008474422,"score_gpt":0.2170509874249218,"score_spread":0.2047368273401775,"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."}}