{"id":"W2516183197","doi":"10.5539/ijef.v8n9p69","title":"The Risk Management of Commercial Banks——Credit-Risk Assessment of Enterprises","year":2016,"lang":"en","type":"article","venue":"International Journal of Economics and Finance","topic":"Financial Distress and Bankruptcy Prediction","field":"Business, Management and Accounting","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Credit risk; Business; Sample (material); Risk management; Risk assessment; Credit history; Quality (philosophy); Credit rating; Credit reference; Financial risk management; Actuarial science; Credit enhancement; Finance; Economics","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001668557,0.0004393283,0.0003481239,0.0009530113,0.0003687042,0.00145439,0.0004957434,0.0007533657,0.0006966412],"category_scores_gemma":[0.003922179,0.0001690812,0.0003895333,0.0006309586,0.0003553397,0.001695868,0.0007995097,0.0005412821,0.00009938275],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0009699095,"about_ca_system_score_gemma":0.0007359676,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.006915971,"about_ca_topic_score_gemma":0.003500547,"domain_scores_codex":[0.9993716,0.0002271094,0.00005996185,0.0001268788,0.000144454,0.00007006421],"domain_scores_gemma":[0.9988567,0.0003422957,0.0002719994,0.00007664153,0.0003587939,0.00009366213],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"observational","study_design_scores_codex":[0.0002621931,0.0002459854,0.3061925,0.0001073482,0.0002153098,0.0004944484,0.000609325,0.5589191,0.004006921,0.01424316,0.002455165,0.1122486],"study_design_scores_gemma":[0.000005410032,0.0000387581,0.02615225,0.00001818667,0.00001816824,0.00006636806,0.0001323398,0.9644975,0.0008031352,0.007965281,0.0002865912,0.00001608545],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9220319,0.000504424,0.07217036,0.000861484,0.00002359493,0.00006977399,0.0001773487,0.0000950823,0.004065996],"genre_scores_gemma":[0.9970132,0.00008084921,0.002477381,0.00001159064,0.000005539191,0.000007746435,0.00004486935,0.000001602965,0.0003571483],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006915971,"threshold_uncertainty_score":0.01375139,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.00843186851405993,"score_gpt":0.2257218193385348,"score_spread":0.2172899508244749,"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."}}