主题词：Credit Risk and Financial Regulations; Banking stability, regulation, efficiency; Financial Distress and Bankruptcy Prediction; Insurance and Financial Risk Management; Stochastic processes and financial applications; Housing Market and Economics; Firm Innovation and Growth; Risk and Portfolio Optimization; Insurance, Mortality, Demography, Risk Management; Probability and Risk Models; Corporate Finance and Governance; Financial Risk and Volatility Modeling; Private Equity and Venture Capital; Monetary Policy and Economic Impact; Financial Literacy, Pension, Retirement Analysis; Statistical Methods and Inference; Financial Markets and Investment Strategies; Global Financial Crisis and Policies; Imbalanced Data Classification Techniques; Risk Management in Financial Firms; FinTech, Crowdfunding, Digital Finance; Microfinance and Financial Inclusion; Economic theories and models; Market Dynamics and Volatility; Complex Systems and Time Series Analysis