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Danmarks Nationalbank’s Analysis of 21 January 2019 on text-based machine learning and bankruptcy modelling states, in its summary, that machine-learning methods make data modelling more flexible and allow unstructured data to be used, and that using them to include auditors’ remarks and management reports substantially increases the accuracy of calculated bankruptcy probabilities. Copy claim link
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Supporting evidence: primary · 1 source
Date 2019-01-21 · publication Records dated 2019 → Role Articulation Register (kind of text) Nonfiction Scope and limits Quoted from the Danish summary on the landing page; the PDF of the Analysis (No. 3, read 2026-11-04, the same file as a second check by a model of another family read) states the same finding in its summary (“Det øger nøjagtigheden af de beregnede konkurssandsynligheder”). The PDF credits Anna Kirstine Hvid and Pia Mølgaard, Quantitative Risk Analysts, Financial Stability (p. 7), and prints no statement that the views are theirs alone: the voice is the Nationalbank’s analytical series, with staff credits, not a claim that the text is anonymous. The modelling serves the Nationalbank’s financial-stability analysis; the underlying working paper of November 2018 is a separate document, not recorded.
The evidence 01 primary source Supports the claim
Tekstbaseret machine learning forbedrer konkursmodellering ↗ Danmarks Nationalbank · 2019-01-21 · In Danish (da)
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Source excerpt “Benyttes sådanne metoder til at inddrage revisorpåtegninger og ledelsesberetninger fra virksomheders regnskaber til at beregne deres konkurssandsynlighed, øges nøjagtigheden af beregningen væsentligt.” Location in source Landing page, summary paragraph
How it was read Retrieved directly from the publisher
Machine-checked · 2026-11-06
Source details and check notes Authors Danmarks Nationalbank Version Retrieved for the candidate pack on 2026-11-04 (SHA-256 ea65818567557cfdae8889c3bd5af7d5639c52bf594a5f1cfce99bc8c00162e3). Retrieved again at admission on 2026-11-06 (SHA-256 35c24c3da59b74cbed3653607cd84784d90a8388b40b7d78d17d31e23fd12f18; web pages are served with new markup on each request). HTML landing page of the Analysis as served on 2026-11-04 (Danish; its summary paragraph); the PDF is source dn-2019-text-ml-bankruptcy-pdf Canonical address Open the canonical source ↗ Accessed 2026-11-06 Language Danish (da) Attribution Danmarks Nationalbank, “Tekstbaseret machine learning forbedrer konkursmodellering”, 2019-01-21. Reuse No open redistribution licence asserted. Bibliographic metadata, editorial paraphrases and short attributed quotations (at most 50 words each). Recheck terms before wider redistribution. Check notes Candidate pack passage, AI and money (research/ai-money). The quotation (22 words) matched a fresh retrieval of 2026-11-06. Matching ignored differences of whitespace, case, quotation marks, dashes, line-break hyphens and Unicode compatibility forms. No human editorial review. Status and meaning Editorial status. Machine-checked . Machines found this record and checked it against its sources; no person accepted it individually. Each evidence record above shows how it was checked.
Relation. A passage of the document meets the proposition’s criterion. The record documents what the text states, in its register (fiction and satire are labelled); it is not evidence that the proposition is true and implies no influence on or from another text.
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Record ID am-u05-dn-2019-text-ml-bankruptcy