{"id":"W2801574118","doi":"10.1002/iir.1296","title":"Consumer Credit and Over‐indebtedness in China","year":2018,"lang":"en","type":"article","venue":"International Insolvency Review","topic":"Corporate Insolvency and Governance","field":"Business, Management and Accounting","cited_by":16,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Debtor; Insolvency; Legislation; China; Business; Consumer Protection Act; Chargeback; Credit card interest; Government (linguistics); Credit history; Statute; Consumer confidence index; Consumer protection; Financial system; Credit reference; Finance; Commerce; Debt; Credit risk; Creditor; Marketing; Law","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":[0.00108575,0.0001411501,0.0001633133,0.001778281,0.0005415985,0.001125797,0.0002198351,0.0002958197,0.002306167],"category_scores_gemma":[0.00239164,0.00007003467,0.0001578511,0.003025022,0.0007094097,0.0006611809,0.0005877169,0.0004345367,0.00007024308],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001907024,"about_ca_system_score_gemma":0.00219837,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0474582,"about_ca_topic_score_gemma":0.04233538,"domain_scores_codex":[0.999446,0.0001167899,0.000045865,0.00005765997,0.0002218867,0.00011185],"domain_scores_gemma":[0.9966813,0.0004364889,0.001701269,0.0000869523,0.0008198085,0.0002741076],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00004219255,0.00009886248,0.8920264,0.0004124487,0.00007577592,0.0008023629,0.002720047,0.001488807,0.0002919413,0.02468733,0.007109954,0.07024389],"study_design_scores_gemma":[0.000007590707,0.00004673875,0.9754143,0.0001860823,0.00003699628,0.0001330568,0.001385743,0.001848969,0.0002082122,0.00175937,0.01895924,0.00001379055],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9693664,0.01043625,0.0003565502,0.002597653,0.00003781755,0.00003163057,0.0002764956,0.000009609079,0.01688772],"genre_scores_gemma":[0.995771,0.003093781,0.0000485725,0.00009193501,0.00002506347,0.000005017401,0.0001120441,6.078421e-7,0.0008519188],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.0474582,"threshold_uncertainty_score":0.09436393,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02358922931137773,"score_gpt":0.2748951037945278,"score_spread":0.2513058744831501,"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."}}