Xia, Yufei, Lingyun He, Yinguo Li, Yating Fu, and Yixin Xu. “A Dynamic Credit Scoring Model Based on Survival Gradient Boosting Decision Tree Approach”. Technological and Economic Development of Economy 27, no. 1 (January 18, 2021): 96-119. Accessed April 20, 2024. https://journals.vilniustech.lt/index.php/TEDE/article/view/13997.