{"id":"W2525216820","doi":"10.34989/sdp-2016-16","title":"Credit Risk and Collateral Demand in a Retail Payment System","year":2021,"lang":"en","type":"preprint","venue":"Econstor (Econstor)","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Exposition (narrative); Collateral; Humanities; Political science; Payment; Economics; Finance; Art; Law","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002064379,0.00040086,0.0006945844,0.0006896063,0.001179717,0.002618966,0.001503128,0.001280334,0.005515487],"category_scores_gemma":[0.009474765,0.0002789345,0.0004783602,0.001063068,0.001822337,0.001721828,0.0009932517,0.001460957,0.0002480623],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.009026837,"about_ca_system_score_gemma":0.00391464,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.3861555,"about_ca_topic_score_gemma":0.2811354,"domain_scores_codex":[0.9989399,0.000298684,0.00004625144,0.0001226019,0.0001737219,0.0004187933],"domain_scores_gemma":[0.9937926,0.002931921,0.00125195,0.0003189232,0.0009309459,0.0007736633],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.000868557,0.0003034166,0.04999366,0.0001014706,0.00007086676,0.0006828772,0.0006760826,0.8561146,0.003211673,0.06726997,0.00483564,0.01587123],"study_design_scores_gemma":[0.0001692807,0.0002887598,0.0283995,0.00003837333,0.00007335783,0.0001241619,0.001097957,0.9516434,0.0008475847,0.01527296,0.001963574,0.00008112108],"study_design_candidate":"simulation_or_modeling","study_design_consensus":"simulation_or_modeling","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9876146,0.0001930596,0.004128773,0.0008028035,0.00001349929,0.00005346327,0.0003516111,0.00004747677,0.006794618],"genre_scores_gemma":[0.9981288,0.00005409752,0.0005418228,0.00001716597,0.000002944872,0.000005016272,0.00006385172,0.000004314826,0.00118198],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3861555,"threshold_uncertainty_score":0.7678156,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01669362619135501,"score_gpt":0.2015978554732778,"score_spread":0.1849042292819228,"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."}}