{"id":"W4414635963","doi":"10.1007/978-3-032-02208-0_3","title":"Impact of Bank Regulatory Capital Requirements: On Canadian Banks' Gross Loan Interest Rates","year":2025,"lang":"en","type":"book-chapter","venue":"","topic":"Banking stability, regulation, efficiency","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"","funders":"","keywords":"Loan; Capital requirement; Interest rate; Capital (architecture); Sample (material); Capital adequacy ratio; Cost of capital; Econometric model; Capital formation","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"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":[0.00364954,0.0004200896,0.0004671906,0.001538458,0.002301084,0.006525318,0.00121784,0.001385036,0.009900554],"category_scores_gemma":[0.01977971,0.0003278589,0.0006684462,0.001653021,0.001467009,0.0009302168,0.0008338086,0.0018166,0.0008818124],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0616526,"about_ca_system_score_gemma":0.07801887,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9714556,"about_ca_topic_score_gemma":0.985755,"domain_scores_codex":[0.996085,0.0004305884,0.0001033316,0.0002678231,0.001931338,0.00118191],"domain_scores_gemma":[0.9843264,0.004210068,0.001927878,0.0003510595,0.007649655,0.001534797],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.002707222,0.0004169613,0.2410208,0.0005564279,0.0003297398,0.0011494,0.003946848,0.06151986,0.007657147,0.3419226,0.1854249,0.153348],"study_design_scores_gemma":[0.0002334701,0.0001818529,0.7998521,0.0002747359,0.0004384723,0.0002685095,0.003860892,0.02614449,0.006639155,0.01855445,0.1433217,0.000230094],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.6340497,0.005727718,0.001754117,0.02389118,0.0002950606,0.0000981349,0.008996523,0.0003689102,0.3248187],"genre_scores_gemma":[0.9651539,0.001283213,0.0003942757,0.0007756333,0.00005983233,0.00001223988,0.0008704229,0.00005959549,0.03139086],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.0616526,"threshold_uncertainty_score":0.447323,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03718208000930077,"score_gpt":0.2594707734150792,"score_spread":0.2222886934057785,"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."}}