MODEL PROCEDURES FOR SOLVING OVER-INDEBTEDNESS OF NATURAL PERSONS IN THE EUROPEAN UNION: CROATIAN EXPERIENCES AND SOLUTIONS
Bibliographic record
Abstract
Uvažavajući činjenicu kako je problematika potrošačko stečajnog postupka i fenomena osobne prezaduženosti općenito i u zemljama s dugom tržišnom tradicijom dinamično područje u kojem se kontinuirano traže nova rješenja koja će pratiti trend promjena u ekonomiji, pitanje svrsishodnosti i potrebe implementacije izmjena i dopuna Zakona o stečaju potrošača, pa i drugih, novih propisa u kontekstu osuvremenjivanja de lege lata rješenja, je iznimno aktualno. Cilj rada je analizirati zadnje izmjene i dopune odredbi Zakona o stečaju potrošača, s posebnim osvrtom na novi Zakon o provedbi ovrhe na novčanim sredstvima i Zakon o otpisu dugova fizičkim osobama, kao dio paketa mjera Vlade Republike Hrvatske za pomoć blokiranim građanima, a sve kako bi se analizirao nacionalni režim pomoći prezaduženim potrošačima.
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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 | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.001 | 0.004 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.002 | 0.001 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 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".