{"id":"W4410897026","doi":"10.1257/aer.20200374","title":"The Geographic Flow of Bank Funding and Access to Credit: Branch Networks, Synergies, and Local Competition","year":2025,"lang":"en","type":"article","venue":"American Economic Review","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":7,"is_retracted":false,"has_abstract":true,"ca_institutions":"Queen's University; University of Toronto","funders":"","keywords":"Competition (biology); Business; Finance; Financial system; Ecology","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":[0.00125137,0.00008644341,0.0003358153,0.001057082,0.0003220344,0.001911752,0.00027436,0.0004190792,0.007751582],"category_scores_gemma":[0.008762668,0.0001240077,0.0002138015,0.002570896,0.001488825,0.001497199,0.0007200728,0.0004020178,0.0003178225],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001063835,"about_ca_system_score_gemma":0.0005589392,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.008234536,"about_ca_topic_score_gemma":0.008395283,"domain_scores_codex":[0.9995442,0.0002183494,0.00002713439,0.00009264305,0.00007197997,0.00004561266],"domain_scores_gemma":[0.9915738,0.004261987,0.003040228,0.0002204171,0.0005106864,0.0003929349],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0004017544,0.0001434813,0.728391,0.0002949941,0.0003286329,0.0003772096,0.001664558,0.03031785,0.00208447,0.1441917,0.005631543,0.08617292],"study_design_scores_gemma":[0.0001122149,0.0001404881,0.8646313,0.0001348828,0.0003938809,0.0002402241,0.002991614,0.03424409,0.0005334293,0.08663965,0.009909864,0.00002844537],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9784644,0.001654714,0.004950176,0.002191405,0.00001084582,0.00001839355,0.000368243,0.00001882997,0.01232295],"genre_scores_gemma":[0.9983132,0.0005874343,0.0003324392,0.00003735877,0.00001440545,0.000007157707,0.00007090579,0.000002092812,0.000635071],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.008234536,"threshold_uncertainty_score":0.02593166,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01591521359545954,"score_gpt":0.2578661446932025,"score_spread":0.2419509310977429,"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."}}