国内外研究信贷违约数据现状，给出参考文献

以下是一些关于信贷违约数据研究的参考文献：

1. Altman, E. I., & Sabato, G. (2007). Modelling credit risk for SMEs: Evidence from the US market. Abacus, 43(3), 332-357.

2. Kim, D. Y., & Kim, H. M. (2016). Predicting customer default using machine learning techniques in the credit card industry. Expert Systems with Applications, 59, 194-202.

3. Thomas, L. C. (2000). A survey of credit and behavioral scoring: forecasting financial risk of lending to consumers. International Journal of Forecasting, 16(2), 149-172.

4. Zhang, Z., & Li, X. (2016). Credit risk assessment of SMEs using PLS-SVM. Journal of Intelligent & Fuzzy Systems, 30(5), 3111-3121.

5. 翟伟、周宏、陈琳、吕璟. 基于多元统计方法的信贷违约评级体系在中国的应用[J]. 系统工程理论与实践, 2011, 31(8): 1494-1501.

6. 黄平、赵岩、孙洋. 基于支持向量机的信用风险评估研究[J]. 系统工程, 2006, 24(12): 89-94.