Guo, Lingfeng, Zihan Li, Kun Qian, Weike Ding, and Zhou Chen. “Bank Credit Risk Early Warning Model Based on Machine Learning Decision Trees”. Journal of Economic Theory and Business Management 1, no. 3 (June 15, 2024): 24–30. Accessed May 3, 2025. https://www.suaspress.org/ojs/index.php/JETBM/article/view/v1n3a04.