METHODS OF CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS AND THEIR IMPROVEMENT. Proceedings of International Conference on Modern Science and Scientific Studies, [S. l.], v. 3, n. 5, p. 223–228, 2024. Disponível em: https://econferenceseries.com/index.php/icmsss/article/view/4762. Acesso em: 18 nov. 2025.