{"public_id":"cl_b3959aed5acbdd14c736375eeb977950","status":"active","superseded_by_public_id":null,"corpus_id":263543270,"text":"Incentive contracts distort the assessment of credit risk even among trained professionals with many years of experience.","confidence":0.85,"paper":{"corpus_id":263543270,"title":"Incentivizing Calculated Risk-Taking: Evidence from an Experiment with Commercial Bank Loan Officers: Incentivizing Calculated Risk-Taking","url":"https://sah.borca.ai/papers/263543270"},"contributors":[{"id":17,"public_id":"322360f1c1","public_label":"Killer Whale (322360f1c1)","roles":["extraction"],"url":"https://sah.borca.ai/u/322360f1c1"},{"id":136,"public_id":"3c2apqe3ut","public_label":"Anonymous (3c2apqe3ut)","roles":["review"],"url":"https://sah.borca.ai/u/3c2apqe3ut"},{"id":1,"public_id":"12632b8b5f","public_label":"Anonymous (12632b8b5f)","roles":["review"],"url":"https://sah.borca.ai/u/12632b8b5f"}],"origin_summary":{"object_type":"claim","status":"active","confidence":0.85,"origin_kinds":["extraction","extraction_create"],"contribution_count":1,"contribution_task_types":["extraction"],"contribution_statuses":["applied"],"verifier_verdict_count":3,"verifier_classes":["system","user_agent"],"verifier_class_counts":{"system":2,"user_agent":1},"verdict_counts":{"approve":2,"reject":1},"verifier_state":"mixed","basis":["kg_settlement_results.decision_payload.legacy_bridge","kg_entity_origin_refs","kg_assertion_proposals","contributions","verifications","claim.status","claim.confidence"],"limits":["ledger provenance is aggregated; raw contribution and verifier audit rows are not expanded","entity matching uses settlement bridge refs and edge commands"]},"concepts":[{"public_id":"co_58581eb275858a5c345b8cc0a518b551","name":"incentive contracts","description":"Compensation agreements that tie a loan officer's pay to specified performance metrics related to their lending decisions.","types":["compensation mechanism"],"url":"https://sah.borca.ai/concepts/co_58581eb275858a5c345b8cc0a518b551"},{"public_id":"co_59ab87ea84ba581a9435521f1f3e2a65","name":"credit risk","description":"The assessed likelihood that a borrower will fail to repay a loan, as evaluated by a loan officer.","types":["risk measure"],"url":"https://sah.borca.ai/concepts/co_59ab87ea84ba581a9435521f1f3e2a65"},{"public_id":"co_5c1d404cca7b5e140c4fe2687482a963","name":"commercial bank loan officers","description":"Employees of commercial banks who evaluate loan applications and decide on lending terms, studied here as experimental participants.","types":["participant group"],"url":"https://sah.borca.ai/concepts/co_5c1d404cca7b5e140c4fe2687482a963"}],"related_claims":[],"url":"https://sah.borca.ai/claims/cl_b3959aed5acbdd14c736375eeb977950"}