{"id":"W2910800486","doi":"10.1111/jbfa.12371","title":"Management earnings forecasts and bank loan contracting","year":2019,"lang":"en","type":"article","venue":"Journal of Business Finance &amp Accounting","topic":"Auditing, Earnings Management, Governance","field":"Business, Management and Accounting","cited_by":26,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"Hong Kong Baptist University","keywords":"Loan; Earnings; Business; Debt; Earnings management; Participation loan; Finance; Basis point; Quarter (Canadian coin); Monetary economics; Non-conforming loan; Financial system; Economics; Non-performing loan; Interest rate","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"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":[0.00141484,0.0001078336,0.0001128798,0.0006581907,0.000274098,0.001024677,0.0001185227,0.0003189639,0.003527464],"category_scores_gemma":[0.01580638,0.00009207682,0.00005951309,0.0007393742,0.0002008779,0.0005828183,0.0003023355,0.0004371315,0.0003811967],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000347033,"about_ca_system_score_gemma":0.0004055295,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003959351,"about_ca_topic_score_gemma":0.00469102,"domain_scores_codex":[0.9993919,0.0002319285,0.00004576334,0.00004536384,0.0001760023,0.000109054],"domain_scores_gemma":[0.9684308,0.009870402,0.01831292,0.0004734288,0.001499795,0.001412762],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001261487,0.0001610575,0.9674318,0.00001332107,0.0000198982,0.00007847638,0.0003706497,0.001884659,0.0002846953,0.001503055,0.001632751,0.02649336],"study_design_scores_gemma":[0.00001181304,0.00006505121,0.9898149,0.00003378631,0.00001398172,0.00005388194,0.0007017314,0.005387766,0.0003622198,0.001837719,0.001706109,0.00001111955],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9941796,0.0001934319,0.0001876554,0.0004892494,0.000007984187,0.000003947095,0.0000883423,0.00000628101,0.004843518],"genre_scores_gemma":[0.9994872,0.0000596492,0.00004802319,0.0000148001,0.00001173193,8.459438e-7,0.00003924973,7.60817e-7,0.0003379096],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.003959351,"threshold_uncertainty_score":0.01180053,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.00833506523273482,"score_gpt":0.2042488813870864,"score_spread":0.1959138161543515,"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."}}