1. Financial Ratios, Discriminant Analysis and the Prediction of Corporate Bankruptcy;E I Altman;Journal of Finance,1968
2. Zeta-analysis. A New Model to Identify Bankruptcy Risk of Corporations;E I Altman;Journal of Banking and Finance,1977
3. Effects of the new Basel Capital Accord on Bank Capital Requirements for SMEs;E I Altman;Journal of Financial Services Research,2005
4. Standard &Poor's, Moodys) and credit bureau providers (e.g. Fair Isaac, Experian) have started to offer services of benchmarking for retail scoring models. For more details about backtesting and benchmarking techniques, see;Recently, rating agencies