{"id":"W6909038104","doi":"10.34989/swp-2024-36","title":"Consumer Credit Regulation and Lender Market Power","year":2024,"lang":"en","type":"article","venue":"Econstor (Econstor)","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Loan; Interest rate; Market power; Bond market; Credit history; Credit crunch; Welfare; Credit default swap index; Credit risk; Harm","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":[0.001886096,0.0006042905,0.001285186,0.0005457103,0.000606466,0.002452021,0.001496645,0.002534152,0.005023811],"category_scores_gemma":[0.009629658,0.0005253374,0.0006952838,0.000586936,0.002235505,0.002801774,0.001443328,0.002223258,0.0003607255],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.001913994,"about_ca_system_score_gemma":0.001021446,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.006993006,"about_ca_topic_score_gemma":0.003164968,"domain_scores_codex":[0.9992186,0.0003493134,0.00002380976,0.0001431501,0.00008198615,0.0001832039],"domain_scores_gemma":[0.9932802,0.00383614,0.001720411,0.00035708,0.0002829081,0.0005232963],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0003403862,0.0005193584,0.007744155,0.0001197383,0.000113249,0.0008915631,0.0003489589,0.5645005,0.001789091,0.4086368,0.003827145,0.01116906],"study_design_scores_gemma":[0.0002599066,0.0001251244,0.001744963,0.0000230452,0.00004989649,0.0001079336,0.0001233185,0.8575341,0.0002582711,0.1384955,0.001245085,0.00003292438],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8036287,0.000952539,0.1492742,0.007586417,0.00008293219,0.0001544453,0.0005198527,0.0002181372,0.03758279],"genre_scores_gemma":[0.9919087,0.0002325134,0.00206439,0.0001637313,0.00003329487,0.00004374584,0.00003963249,0.00001127922,0.005502618],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006993006,"threshold_uncertainty_score":0.0168063,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01018853110366399,"score_gpt":0.216345159413561,"score_spread":0.206156628309897,"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."}}