[1] Maddaloni, A. and Peydró, J. L. (2011), “Bank risk-taking, securitization, supervision, and low interest rates: Evidence from the Euroarea and the US lending standards”, Review of Financial Studies, 24(6), pp. 2121-2165; Jiménez, G., Ongena, S., Peydró, J. L. and Saurina, J.
(2014), “Hazardous times for monetary policy: What do twenty-three million bank loans say about the effects of monetary policy on credit risk-taking?”, Econometrica, 82(2), pp. 463-505. [2] Heider, F., Saidi, F. and Schepens, G. (2019), “Life below zero: Bank lending under negative policy rates”, Review of Financial Studies, 32(10), pp. 3728-3761.