@article{creditarfaframeworkforcorporatecreditrat,
  title = {CreditARF: A Framework for Corporate Credit Rating with Annual Report and Financial Feature Integration},
  author = {Yumeng Shi and Zhongliang Yang and DiYang Lu and Yisi Wang and Yiting Zhou and Linna Zhou},
  year = {2025},
  eprint = {2508.02738},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2508.02738},
}