主题词：Credit Risk and Financial Regulations; Financial Distress and Bankruptcy Prediction; Insurance and Financial Risk Management; Banking stability, regulation, efficiency; Monetary Policy and Economic Impact; Financial Risk and Volatility Modeling; Market Dynamics and Volatility; Risk and Portfolio Optimization; Statistical Methods and Inference; Risk Management in Financial Firms; Financial Markets and Investment Strategies; Housing Market and Economics; Stochastic processes and financial applications; Insurance, Mortality, Demography, Risk Management; Complex Systems and Time Series Analysis; Stock Market Forecasting Methods; Imbalanced Data Classification Techniques; Probability and Risk Models; Reservoir Engineering and Simulation Methods; Financial Reporting and Valuation Research; Capital Investment and Risk Analysis; Statistical Methods and Bayesian Inference; Global Financial Crisis and Policies; Simulation Techniques and Applications; Forecasting Techniques and Applications