{"id":"W4297012753","doi":"10.1111/jbfa.12653","title":"Bank risk in uncertain times: Do credit rationing and revenue diversification matter?","year":2022,"lang":"en","type":"article","venue":"Journal of Business Finance &amp Accounting","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":17,"is_retracted":false,"has_abstract":true,"ca_institutions":"St. Francis Xavier University","funders":"RMIT University","keywords":"Credit rationing; Diversification (marketing strategy); Economics; Moral hazard; Loan; Credit risk; Revenue; Monetary economics; Adverse selection; Interest rate; Financial system; Finance; Business; Incentive; Microeconomics","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":[0.002499193,0.0001173396,0.0003273849,0.000438823,0.0004039101,0.00014252,0.0002527596,0.00005016864,0.0002459613],"category_scores_gemma":[0.0005956704,0.0001461196,0.00005459113,0.0009702704,0.0000530071,0.0007861516,0.0001105897,0.0003295196,0.00001881676],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0002983302,"about_ca_system_score_gemma":0.00006117615,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0002315397,"about_ca_topic_score_gemma":0.00002014998,"domain_scores_codex":[0.9984572,0.00004883049,0.0009054182,0.0002691213,0.0001167362,0.0002027087],"domain_scores_gemma":[0.9975581,0.0001143,0.001919745,0.0002129404,0.000178749,0.00001615589],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00002370176,0.00006778527,0.9428749,0.00003862587,0.000007530463,0.000003011875,0.001132134,0.05141861,0.00002048221,0.001783485,0.000555322,0.002074409],"study_design_scores_gemma":[0.0004909342,0.00001686826,0.9739439,0.00006928961,0.000007312843,0.00003251308,0.0001810578,0.003987701,0.000003331257,0.01136677,0.009735133,0.0001651472],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9894599,0.002496768,0.006508161,0.0006007785,0.0005626841,0.0001127954,0.00006339449,0.000006135677,0.000189342],"genre_scores_gemma":[0.9976003,0.0002338296,0.001793126,0.0000500716,0.0001766605,0.000007933251,0.000007034013,0.00001657092,0.000114526],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.0474309,"threshold_uncertainty_score":0.5958585,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01786572852114474,"score_gpt":0.2185525130016304,"score_spread":0.2006867844804857,"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."}}