@article{
  author = {khalil arjomandi, zeinab, Taherinia, Masoud, Ahmadyan, Azam, Sarlak, Ahmad},
  title = {Merge And Credit risk},
  journal = {Financial Engineering and Portfolio Management},
  year = {2021},
  volume = {12},
  number = {49},
  pages = {230-247},
  doi = {}
}