{"id":"W2799925373","doi":"10.1016/j.jcorpfin.2012.01.006","title":"Internal governance, legal institutions and bank loan contracting around the world","year":2012,"lang":"en","type":"article","venue":"Journal of Corporate Finance","topic":"Corporate Finance and Governance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"Concordia University; University of Manitoba","funders":"","keywords":"Loan; Corporate governance; Business; Participation loan; Bridge loan; Non-performing loan; Non-conforming loan; Maturity (psychological); Financial system; Cross-collateralization; Accounting; Finance; Law","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":[0.0007006713,0.00007595219,0.0001214442,0.001468281,0.001196198,0.00429209,0.0002580775,0.0007451483,0.004899106],"category_scores_gemma":[0.002223245,0.0001217582,0.00009665052,0.003992883,0.002841183,0.001732607,0.0007077051,0.0009134685,0.000198761],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001835254,"about_ca_system_score_gemma":0.001684571,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02897933,"about_ca_topic_score_gemma":0.07725172,"domain_scores_codex":[0.9997316,0.00006971108,0.00001313878,0.00004062486,0.00005010696,0.00009484125],"domain_scores_gemma":[0.9979134,0.0005023195,0.0009728663,0.00004957075,0.0002525071,0.0003093135],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002634034,0.0002886056,0.4538904,0.0002248484,0.00007323627,0.0005436749,0.02008117,0.001520895,0.0006263669,0.3460239,0.03317686,0.1432866],"study_design_scores_gemma":[0.00004596767,0.00004760406,0.8509246,0.0004918293,0.00007347595,0.0003899959,0.01918694,0.000552348,0.000238964,0.03435199,0.09365967,0.00003679602],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8162242,0.03005528,0.0005119142,0.03484079,0.0001267094,0.00001374321,0.0004146821,0.0000144602,0.1177984],"genre_scores_gemma":[0.9906094,0.005230594,0.0001008163,0.0009046037,0.00008296948,0.000003830247,0.00007525901,0.00000467603,0.002987848],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02897933,"threshold_uncertainty_score":0.0576213,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03591617370972708,"score_gpt":0.2410222124552224,"score_spread":0.2051060387454954,"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."}}