XU, Junhan. Research On the Impact of Credit Risk in Commercial Banks Under the Background of Fintech. Highlights in Business, Economics and Management, [S. l.], v. 55, p. 198–214, 2025. DOI: 10.54097/ycbqee06. Disponível em: https://hbem.org/index.php/OJS/article/view/359. Acesso em: 26 may. 2026.