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Record W2328768179 · doi:10.9734/bjemt/2015/14369

Credit Rating: A New Quotation Approach

2015· article· en· W2328768179 on OpenAlexaff
Hassan El-Ibrami, Ahmed Naciri

Bibliographic record

VenueBritish Journal of Economics Management & Trade · 2015
Typearticle
Languageen
FieldEconomics, Econometrics and Finance
TopicCredit Risk and Financial Regulations
Canadian institutionsUniversité du Québec à Montréal
Fundersnot available
KeywordsCredit ratingBusinessFinancial system

Abstract

fetched live from OpenAlex

Credit rating agencies rate companies and states by assigning them scores depending on their level of solvency.These scores are inversely proportional to default risk and then proportional to quotes which are proportional to bonds value.Consequently, scores are calculated depending on companies and states bankruptcy risk.In our paper, we assess company solvency using numerical symbols and an accelerating risk model.Although the Big3 1 rating agencies use uniformly distributed risk to rate corporate bonds, we think that the distribution should vary uniformly.Our theoretical model is based on a homogeneously risk varying path with a fluctuating speed but a constant acceleration of risk.We measure this acceleration and calculate risk intervals by using a linear regression where asset volatility represents the dependent variable, and a set of 20 company categories representing the independent variable.Comparative statics are used to illustrate our analysis.We obtain a very significant coefficient for the exogenous variable, representing homogeneous risk intervals.We use 20 classes of risk to be consistent with the "US equivalent rating", as the Big3 rating agencies do, which allows us to determine risk classes and rate companies according to the numerical scale obtained.We compare our numerical scale to the equivalent rating tables used by Moody's, Fitch Ratings and S&P.According to our findings, companies with a risk level under 16 are considered to be solvent, while those with a 17-to-20-risk level are considered to be in trouble.Indeed, the length of 1 Moody's, Standard & Poor's and Fitch Ratings. Original Research Articlerisk intervals and the risk acceleration should vary depending on industry sector and population size.Our model is useful for both public and private companies.

Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.

How this classification was reachedexpand

Full frame machine prediction

Teacher imitation

Not calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.

metaresearch head score (Codex)0.009
metaresearch head score (Gemma)0.053
Version: metacan-v3-hybrid-931329e0061cValidation status: machine_predicted_unvalidated
Candidate categoriesnone
Consensus categoriesnone
DomainCandidate signal: none · Consensus signal: none
Study designCandidate signal: Theoretical or conceptual · Consensus signal: none
GenreCandidate signal: Empirical · Consensus signal: none
Teacher disagreement score0.034
Threshold uncertainty score0.113

Distilled classifier scores by category (both heads)

CategoryCodexGemma
Metaresearch0.0090.053
Meta-epidemiology (narrow)0.0010.001
Meta-epidemiology (broad)0.0010.001
Bibliometrics0.0110.014
Science and technology studies0.0020.003
Scholarly communication0.0110.014
Open science0.0020.003
Research integrity0.0020.002
Insufficient payload (model declined to judge)0.0340.016

Machine scores (provisional)

The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.

Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.

Opus teacher head0.060
GPT teacher head0.214
Teacher spread0.154 · how far apart the two teachers sit on this one work
Validation statusscore_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it

Classification

machine, unvalidated

Machine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.

The models applied no category: nothing in the taxonomy fit this work.
Study designTheoretical or conceptual
Domainnot available
GenreEmpirical

How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".

Quick stats

Citations0
Published2015
Admission routes1
Has abstractyes

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