@article{whybondsfaildifferentlyexplainablemultim,
  title = {Why Bonds Fail Differently? Explainable Multimodal Learning for Multi-Class Default Prediction},
  author = {Yi Lu and Aifan Ling and Chaoqun Wang and Yaxin Xu},
  year = {2025},
  eprint = {2509.10802},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2509.10802},
}