L. Ge and G. Rao, “MultiStream-FinBERT: A Hybrid Deep Learning Framework for Corporate Financial Distress Prediction Integrating Accounting Metrics, Market Signals, and Textual Disclosures”, Pinn. Acad. Press Proc. Ser., vol. 3, pp. 107–122, Jul. 2025, Accessed: Jul. 31, 2025. [Online]. Available: http://pinnaclepubs.com/index.php/PAPPS/article/view/177