<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Puri, Manju</style></author><author><style face="normal" font="default" size="100%">Rocholl, Jörg</style></author><author><style face="normal" font="default" size="100%">Steffen, Sascha</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Global Retail Lending in the Aftermath of the US Financial Crisis: Distinguishing Between Supply and Demand Effects</style></title><secondary-title><style face="normal" font="default" size="100%">Journal of Financial Economics</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2011</style></year></dates><urls><web-urls><url><style face="normal" font="default" size="100%">https://doi.org/10.1016/j.jfineco.2010.12.001</style></url></web-urls></urls><volume><style face="normal" font="default" size="100%">100</style></volume><pages><style face="normal" font="default" size="100%">556–578</style></pages><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>