The default risk, one of the main risk factors for bonds, should be measured and reflected in the bond yield. Particularly, in the case of financial companies that treat bonds as a major product, failure to properly identify and filter customers' workout status adversely affects returns. This study proposes a two-stage classification algorithm for…

The rapid advancement of powerful Large Language Models (LLMs), such as ChatGPT and Llama, has revolutionized the world by bringing new creative possibilities and enhancing productivity. However, these advancements also pose significant challenges and risks, including the potential for misuse in the form of fake news, academic dishonesty,…