1st quarter report of 2019 to the Minister for Business, Enterprise and Innovation detailing the analysis and performance of the SME Credit Guarantee Scheme at 31st March 2019
Bibliographic record
Abstract
The Credit Guarantee Scheme ("CGS") provides a State guarantee through the Department of \nBusiness, Enterprise & Innovation (the ?Department?) to accredited Lenders (Allied Irish \nBanks, Bank of Ireland and Ulster Bank Ireland) of 80 per cent on eligible loans or Performance \nBonds to viable Micro, Small and Medium-sized Enterprises ("SMEs"). The Guarantee is paid \nby the State (the ?Guarantor?) to the Lender on the unrecovered outstanding principal \nbalance on a Scheme Facility in the event of a Borrower defaulting on the Scheme Facility \nrepayments. \nThe purpose of the Scheme is to encourage additional lending to SMEs, not to substitute for \nconventional lending. SMEs are thus enabled to develop a positive track record with the \nLender with the objective of returning to standard commercial credit facilities in time. It will \nalso place Irish SMEs on a competitive level-footing relative to other trading competitors who \nare able to avail of a guarantee in their own countries. \nIt is important to note that funds provided under the Scheme are neither a grant nor a \nsupport for ailing businesses or customers in difficulty. All decision-making at the level of the \nindividual Scheme Facility is fully devolved to the participating Lenders. \nThe new Credit Guarantee Scheme became operational in July 2018 replacing the previous \nCGS 2012 and CGS 2015 schemes that had been collectively in operation since 2012 (the \n"Legacy Schemes"). Henceforth, all references to CGS will relate to the scheme launched in \n2018. The Department has appointed the Strategic Banking Corporation of Ireland ("SBCI") \nas Operator.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.012 | 0.002 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.003 | 0.009 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.001 | 0.000 |
| Open science | 0.003 | 0.005 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.003 | 0.000 |
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.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
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".