{"id":"W3200121749","doi":"10.1108/gs-03-2021-0041","title":"A hybrid predictive framework for evaluating P2P credit risks","year":2021,"lang":"en","type":"article","venue":"Grey Systems Theory and Application","topic":"Financial Distress and Bankruptcy Prediction","field":"Business, Management and Accounting","cited_by":6,"is_retracted":false,"has_abstract":true,"ca_institutions":"Memorial University of Newfoundland","funders":"","keywords":"Computer science; Data mining; Randomness; Support vector machine; Machine learning; Feature selection; Flexibility (engineering); Key (lock); Artificial intelligence; Selection (genetic algorithm); Representativeness heuristic; Cluster analysis","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":[0.0009956026,0.0001317043,0.0001735094,0.0000478234,0.0003643512,0.0002489665,0.00008656082,0.00008766928,0.00001511488],"category_scores_gemma":[0.0004837783,0.0001265574,0.00005526376,0.0001532176,0.00004101434,0.0004077677,0.00005837821,0.00009775309,0.00002803903],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002115449,"about_ca_system_score_gemma":0.00001883976,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00007792057,"about_ca_topic_score_gemma":0.000003279096,"domain_scores_codex":[0.9990092,0.00003958217,0.0002590997,0.0003567344,0.0001618587,0.0001735576],"domain_scores_gemma":[0.999017,0.0001851965,0.000249077,0.0002215635,0.0003147903,0.00001239287],"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":[0.0001512346,0.00004293064,0.00129501,0.0003906836,0.00002472725,0.000001020304,0.00003777867,0.0001812602,0.0008336851,0.9676093,0.0004586279,0.0289737],"study_design_scores_gemma":[0.0008802789,0.00005560126,0.02367019,0.0004926558,0.000283466,0.00001286234,0.001097603,0.1374714,0.0004864817,0.7992958,0.03582997,0.0004237226],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"methods","genre_gemma":"empirical","genre_scores_codex":[0.2318997,0.000670367,0.7636189,0.0001029142,0.0005930919,0.0008206062,0.0000595551,0.0001454014,0.002089435],"genre_scores_gemma":[0.9958413,0.00001476012,0.0003154176,0.000161401,0.002517391,0.0007796263,0.0002273881,0.00002032487,0.000122356],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.7639416,"threshold_uncertainty_score":0.5160862,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.02991703235716341,"score_gpt":0.2924527461511255,"score_spread":0.2625357137939621,"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."}}