{"id":"W2900011972","doi":"10.3390/jrfm11040078","title":"Incorporating Credit Quality in Bank Efficiency Measurements: A Directional Distance Function Approach","year":2018,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":12,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Data envelopment analysis; Loan; Inflation (cosmology); Quality (philosophy); Econometrics; Economics; Efficiency; Business; Financial system; Monetary economics; Finance; Statistics; Mathematics","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":[0.00595847,0.0006244754,0.00064763,0.00482754,0.000246081,0.001693509,0.0004959449,0.0008777396,0.0009172964],"category_scores_gemma":[0.01822585,0.0002236593,0.0008280519,0.006891576,0.0006069587,0.001669182,0.001272817,0.0005669424,0.0003139988],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000860373,"about_ca_system_score_gemma":0.0005530231,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002540402,"about_ca_topic_score_gemma":0.00203367,"domain_scores_codex":[0.9959265,0.002151572,0.0004490576,0.0004484107,0.0008253744,0.0001991986],"domain_scores_gemma":[0.9900479,0.00539617,0.002101596,0.001073984,0.001223789,0.0001564767],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"simulation_or_modeling","study_design_scores_codex":[0.0003392282,0.0002815134,0.6899047,0.0001768918,0.0005978672,0.0001096993,0.000696225,0.1771088,0.002326665,0.01418871,0.0009939341,0.1132757],"study_design_scores_gemma":[0.0000326066,0.0005501722,0.5902312,0.00007009757,0.0000931354,0.0001826073,0.001139112,0.386372,0.002474867,0.0150484,0.003714829,0.00009088436],"study_design_candidate":"simulation_or_modeling","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8211092,0.0004093718,0.1720302,0.0001253779,0.00001382649,0.0001400106,0.001315685,0.00009219466,0.004764326],"genre_scores_gemma":[0.9775875,0.0001041522,0.02098952,0.00001401848,0.000008635783,0.00008487338,0.0007374377,0.00001210082,0.0004618154],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.00595847,"threshold_uncertainty_score":0.03151178,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0296315213389652,"score_gpt":0.2350484232430337,"score_spread":0.2054169019040685,"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."}}