{"id":"W3142195563","doi":"10.1093/rof/rfab009","title":"The Strategic Response of Banks to Macroprudential Policies: Evidence from Mortgage Stress Tests in Canada*","year":2021,"lang":"en","type":"article","venue":"European Finance Review","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":11,"is_retracted":false,"has_abstract":true,"ca_institutions":"Queen's University","funders":"","keywords":"Mortgage underwriting; Intermediary; Payment; Business; Government (linguistics); Monetary economics; Interest rate; Mortgage insurance; Shared appreciation mortgage; Financial crisis; Financial system; Secondary mortgage market; Economics; Finance; Macroeconomics","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"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":[0.00396308,0.0002519558,0.0004164726,0.0009683957,0.002605008,0.002458171,0.001122073,0.0008995578,0.002068268],"category_scores_gemma":[0.01992386,0.0002162109,0.0002721567,0.002733109,0.00266619,0.0004529577,0.0009909798,0.001231195,0.0002624349],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.02629344,"about_ca_system_score_gemma":0.03782779,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.986774,"about_ca_topic_score_gemma":0.9917362,"domain_scores_codex":[0.9961681,0.0006697449,0.0001280147,0.0002844174,0.001828565,0.0009211839],"domain_scores_gemma":[0.9600277,0.008377815,0.009978238,0.001528647,0.01630841,0.00377916],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0008306098,0.0003443384,0.930581,0.0001995213,0.0002478212,0.0004616414,0.005583704,0.001487714,0.0008401499,0.004515107,0.01286323,0.04204506],"study_design_scores_gemma":[0.00004950083,0.0001015145,0.9850466,0.0000641899,0.00008794301,0.00003623026,0.004122272,0.0007006445,0.0004333326,0.0003802003,0.008945271,0.00003224111],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9809918,0.001927454,0.0002163113,0.002848538,0.0000215919,0.00005137575,0.0009995956,0.0000170198,0.01292636],"genre_scores_gemma":[0.9961235,0.0009972519,0.0001086019,0.0003425822,0.00001046839,0.000008373065,0.0003957858,0.00000531676,0.002008177],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02629344,"threshold_uncertainty_score":0.1907732,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05595324147304951,"score_gpt":0.2537533363552314,"score_spread":0.1978000948821819,"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."}}