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anez. 2011. "The bank lending channel: Lessons from the crisis." BIS Working Paper no. 345, http://www.bis.org/publ/work345.pdf. Gertler, Mark, and Nobu Kiyotaki. 2011. "Financial Intermediation and Credit Policy in Business Cycle Analysis." In Handbook of Monetary Economics. Edited by Ben Friedman and Micha
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