When the pandemic first hit, governments around the world urged banks to offer generous lending to assist with the crisis. Often, these schemes were administered by large lenders, which entered the crisis with stronger capital and liquidity levels than they had 15 years ago. But banks soon reverted to pre-pandemic policies, which included stricter lending rules for smaller businesses and limited access to Tier 1 banking services, particularly for start-ups and SMEs in emerging markets.
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