https://liviachitu.com/working-papers/external-finance-premium-market-finance-versus-bank-finance/2026-08-25T16:13:01+00:00https://liviachitu.com/working-papers/financial-shock-transmission-to-heterogeneous-firms-the-earnings-based-borrowing-constraint-channel/2026-08-25T16:13:34+00:00