{"id":"W2522207211","doi":"10.5539/ijef.v8n10p140","title":"Asset Price Volatility, Credit Rationing and Rational Lending Discrimination","year":2016,"lang":"en","type":"article","venue":"International Journal of Economics and Finance","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Economics; Collateral; Loan; Adverse selection; Credit rationing; Credit default swap; Asset (computer security); Underwriting; Monetary economics; Credit risk; Financial economics; Actuarial science; Interest rate; Finance","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":[0.001719641,0.0001764934,0.0005115855,0.000499373,0.000391348,0.001987949,0.0004668401,0.0008708303,0.002824031],"category_scores_gemma":[0.0132661,0.0001887287,0.000401174,0.0004317645,0.002101501,0.001468837,0.00109855,0.001096686,0.0001806956],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001127977,"about_ca_system_score_gemma":0.0004072741,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002210239,"about_ca_topic_score_gemma":0.0009792504,"domain_scores_codex":[0.9993573,0.0001951728,0.00003948365,0.0001256431,0.0001289326,0.0001536085],"domain_scores_gemma":[0.9930913,0.003271586,0.002416636,0.0005514742,0.0002442963,0.000424564],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.0005613729,0.0003914168,0.1588813,0.00008795135,0.0001607221,0.001304163,0.001146673,0.04853966,0.003308038,0.7379133,0.002821922,0.04488335],"study_design_scores_gemma":[0.0000638439,0.00007725673,0.08569591,0.0000232175,0.00002793761,0.0005422572,0.0003734849,0.1386503,0.0004320848,0.7726883,0.001381795,0.00004364522],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9680562,0.0006161383,0.01262787,0.002169129,0.00003491072,0.0000199186,0.00008462301,0.0000395401,0.01635151],"genre_scores_gemma":[0.9989687,0.00008064273,0.0002036689,0.00004645462,0.000026874,0.000004420882,0.00001360916,0.000003010209,0.0006525232],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.002824031,"threshold_uncertainty_score":0.009447336,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02862590517502505,"score_gpt":0.2328278314554122,"score_spread":0.2042019262803872,"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."}}