{"id":"W3194854730","doi":"","title":"Audit Profession Development and Bank Loan Contracting","year":2020,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Corporate Finance and Governance","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Ottawa","funders":"","keywords":"Loan; Business; Non-conforming loan; Participation loan; Audit; Accounting; Cross-collateralization; Independence (probability theory); Sample (material); Financial system; Liability; Non-performing loan; Covenant; Finance; Law; Political 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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001901489,0.0001281632,0.0002240623,0.002142138,0.0008796473,0.001517737,0.0002645393,0.0004194113,0.007697381],"category_scores_gemma":[0.01646632,0.0001478169,0.0002437722,0.003553754,0.001279376,0.0006744633,0.00170945,0.0008929533,0.0005997691],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001284227,"about_ca_system_score_gemma":0.002839216,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01155408,"about_ca_topic_score_gemma":0.0150385,"domain_scores_codex":[0.9979525,0.0007795417,0.00013482,0.0001558976,0.0004065098,0.0005708103],"domain_scores_gemma":[0.9451653,0.01406577,0.03063437,0.001207678,0.003174414,0.005752389],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00005040726,0.00009220297,0.9784909,0.00003966432,0.00001960071,0.00008038113,0.0003143983,0.0003044964,0.00009415152,0.001237757,0.0003914564,0.01888464],"study_design_scores_gemma":[0.000008187185,0.00004530248,0.99485,0.0000663015,0.00001334744,0.0001391424,0.0008657413,0.0003040813,0.00008726188,0.0006816476,0.002932593,0.000006365553],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9838564,0.001761002,0.0004355797,0.001718762,0.00002322701,0.00002163017,0.0002398459,0.00001048133,0.01193299],"genre_scores_gemma":[0.9978948,0.0005149972,0.00018175,0.0001148595,0.00002906799,0.000006325156,0.0001006161,0.0000019774,0.001155602],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01155408,"threshold_uncertainty_score":0.02575028,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01387596129103475,"score_gpt":0.2127708810749397,"score_spread":0.198894919783905,"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."}}