1. Financial Ratios, Discriminant Analysis and the Prediction of Corporate Bankruptcy;E I Altman;Journal of Finance,1968
2. Application of Classification Techniques in Business;E I Altman;Banking and Finance,1981
3. The internal ratingsbased approach;Consultative document,2001
4. Guidance on accounting for expected credit losses, Consultative document;Basel Committee on Banking Supervision,2015