{"id":"W4401008950","doi":"10.1016/j.iref.2024.103459","title":"Loan growth and quality over the credit cycle","year":2024,"lang":"en","type":"article","venue":"International Review of Economics & Finance","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":5,"is_retracted":false,"has_abstract":false,"ca_institutions":"","funders":"Munk School of Global Affairs and Public Policy","keywords":"Loan; Quality (philosophy); Financial system; Economics; Credit cycle; Business cycle; Business; Monetary economics; Macroeconomics","routes":{"ca_aff":false,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002176755,0.0001566261,0.0004485755,0.001781769,0.0003550974,0.002992452,0.0003523588,0.0009745173,0.002699436],"category_scores_gemma":[0.016111,0.0001920359,0.0002984637,0.004356616,0.001516915,0.002198285,0.0008706416,0.001431341,0.0004677191],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001600896,"about_ca_system_score_gemma":0.0009301694,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01185646,"about_ca_topic_score_gemma":0.009717948,"domain_scores_codex":[0.999325,0.0001729518,0.00005631134,0.0001405015,0.0001913471,0.0001138832],"domain_scores_gemma":[0.9839733,0.005795327,0.005536813,0.0006914026,0.002801988,0.00120114],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0007438396,0.0001872758,0.7898098,0.0002447091,0.0003080024,0.0001202688,0.0007045111,0.01581676,0.0007576382,0.04061719,0.01070433,0.1399857],"study_design_scores_gemma":[0.00003525326,0.000108835,0.9223809,0.0001756454,0.00009446489,0.000128999,0.0004694322,0.008911841,0.0003300623,0.05361098,0.01371624,0.00003739236],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8606592,0.07869632,0.006828519,0.01892145,0.0002444799,0.00004449584,0.004903658,0.0001010775,0.02960085],"genre_scores_gemma":[0.9762865,0.01892287,0.0003748973,0.000351224,0.0004359879,0.000008243313,0.0007810417,0.00001825613,0.002821035],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01185646,"threshold_uncertainty_score":0.02357489,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0290776217496683,"score_gpt":0.2820816479824139,"score_spread":0.2530040262327456,"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."}}