https://www.ecb.europa.eu/stats/accesstofinancesofenterprises/pdf/ecb.safe202005~c4b89a43b9.en.pdf
https://www.imf.org/-/media/Files/Publications/PP/2023/English/PPEA2023001.ashx
https://www.bruegel.org/sites/default/files/2022-11/PC%2020%202022_4.pdf