@article{perlin2019,
  title = {A consumer credit risk structural model based on affordability: balance at risk},
  author = {Marcelo S. Perlin, Marcelo Brutti Righi, Tiago P. Filomena},
  journal = {Journal of Credit Risk},
  year = {2019},
  issn = {1755-9723},
  url = {https://www.risk.net/journal-of-credit-risk/6743521/a-consumer-credit-risk-structural-model-based-on-affordability-balance-at-risk}
}