<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Zhao และผู้แต่งคนอื่นๆ. (2023) Stacking-based heterogeneous ensemble learning in credit risk prediction. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Zhao และผู้แต่งคนอื่นๆ. 2023. Stacking-based heterogeneous ensemble learning in credit risk prediction. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Zhao และผู้แต่งคนอื่นๆ.  Stacking-based heterogeneous ensemble learning in credit risk prediction.  ม.ป.ท.:National Institute of Development Administration, 2023. Print.</MLA></bibliography></xml>
