Derakhshani, Roya, Fallah, Mirfeiz, jahangirnia, hosein, Gholami jamkarani, Reza, kordlouie, Hamidreza. Designing Credit Risk Early-warning System  for Individual and Corporate   Customers of the Banks using Neural Network Models, Survival Probability Function and Support Vector Machine. Journal of Innovative business management. 2023;15(59):111-131. doi: