Phung, Thi Lan Nhi, Chi Dat Le, and Van Kien Pham. “Regulatory Thresholds As Disciplinary Signals: Evidence from Bank Nonperforming Loan Supervision”. Emerging Science Journal 10, no. 1 (February 1, 2026): 143–164. Accessed February 2, 2026. https://ijournalse.org/index.php/ESJ/article/view/3599.