{"id":"W3119893968","doi":"10.2139/ssrn.3723771","title":"Adverse Climate Incidents and Bank Loan Contracting","year":2020,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":12,"is_retracted":false,"has_abstract":false,"ca_institutions":"Simon Fraser University","funders":"","keywords":"Business; Loan; Adverse selection; Finance; Financial system; Actuarial science","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001108664,0.0001235047,0.0002589465,0.0000815003,0.0002335917,0.00006374063,0.0001649903,0.00005344153,0.00004595005],"category_scores_gemma":[0.0001140685,0.0001398637,0.00008386004,0.0001349807,0.00002455229,0.0003668851,0.00006227209,0.0006719555,0.0003110489],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002407585,"about_ca_system_score_gemma":0.00008614143,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00007440893,"about_ca_topic_score_gemma":0.0001116422,"domain_scores_codex":[0.9979144,0.0000116654,0.0004438316,0.0002382966,0.00004478147,0.001347025],"domain_scores_gemma":[0.9994393,0.00001533938,0.0003451691,0.00008590765,0.0000209739,0.00009329572],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.00008113444,0.00003136258,0.1170118,0.00001867307,0.0001009222,0.00001825918,0.0006660431,0.00004622256,0.00001864308,0.8641374,0.00009579934,0.01777377],"study_design_scores_gemma":[0.005784946,0.001083571,0.165025,0.00006515435,0.00006543507,0.000242951,0.005591549,0.00363897,0.00004505472,0.6861277,0.1310986,0.001231059],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9723555,0.00688997,0.007022954,0.002265468,0.0002667339,0.0001688478,0.00001692622,0.00003417013,0.0109794],"genre_scores_gemma":[0.9820049,0.01662368,0.00006736295,0.000834692,0.0003040986,0.000003026767,0.000001996897,0.00001886599,0.0001413832],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1780096,"threshold_uncertainty_score":0.5703477,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01424037711080685,"score_gpt":0.2124140623799994,"score_spread":0.1981736852691926,"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."}}