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毕业论文范文模板 Bank Involvement with SMEs: Beyond Relationship Lending Augusto de la Torre，María Soledad Martínez Pería ，Sergio L. Schmukler Policy Research Working Paper 4649 ，2010 Abstract The “conventional wisdom ” in academic and policy circles argues that, while large and foreign banks are generally not interested in serving SMEs, small and niche banks have an advantage in doing so because they can overcome SME opaqueness through relatio