E. V. Travkina, Y. N. Solnyshkova, O. A. Kazankina, E. G. Azmanova, and Y. V. Morozova, “Transformation of the Forecast Assessment of Expected Credit Losses in Monitoring and Assessment of Credit Risk in Commercial Banks”, J. Rev. Global Econ., vol. 9, pp. 23–29, Jan. 2020.