{"id":"W7082634379","doi":"10.62225/2583049x.2023.3.2.4894","title":"An SME Loan Structuring Framework: Customized Credit Solutions in North American Commercial Banking","year":2023,"lang":"en","type":"article","venue":"International Journal of Advanced Multidisciplinary Research and Studies","topic":"Geochemistry and Geologic Mapping","field":"Computer Science","cited_by":8,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Collateral; Loan; Structuring; Portfolio; Credit risk; Cash flow; Credit analysis; Service (business)","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":[0.002616908,0.0003960844,0.0002572658,0.001488988,0.001234908,0.002740857,0.001038567,0.0007878896,0.001745332],"category_scores_gemma":[0.00390687,0.0002140591,0.0003643151,0.001439701,0.001040805,0.00177161,0.002115161,0.0007898735,0.0002675695],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002948792,"about_ca_system_score_gemma":0.00503148,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.02387518,"about_ca_topic_score_gemma":0.04690845,"domain_scores_codex":[0.9987877,0.0006131487,0.0000953767,0.0001265182,0.0002783157,0.00009892095],"domain_scores_gemma":[0.9983894,0.0004502514,0.0002282746,0.0001431212,0.0005652113,0.0002237855],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"design_other","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0002310769,0.0005984273,0.05345459,0.000486446,0.00007587837,0.001406014,0.0127703,0.1432518,0.008432046,0.3085709,0.02075077,0.4499717],"study_design_scores_gemma":[0.00007258717,0.0004325535,0.03238108,0.000755824,0.00008167571,0.001014686,0.01477509,0.7198749,0.004523219,0.1276715,0.09823692,0.0001799816],"study_design_candidate":"not_applicable","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5689686,0.001706692,0.3527743,0.009436398,0.00007961414,0.0009803794,0.0005347654,0.001536483,0.06398281],"genre_scores_gemma":[0.8436707,0.0007114788,0.1507182,0.0002641787,0.00002051733,0.0001888955,0.0002134673,0.00003394463,0.004178755],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02387518,"threshold_uncertainty_score":0.04747242,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1004956359903224,"score_gpt":0.4274217589496876,"score_spread":0.3269261229593653,"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."}}