@unpublished{publication-19492,
	author={Degryse, Hans and G{\"u}nd{\"u}z, Yalin and O'Flynn, Kuchulain and Ongena, Steven},
	institution={University of Zurich},
	number={20-15},
	series={Swiss Finance Institute Research Paper},
	title={Identifying Empty Creditors with a Shock and Micro-Data},
	year=2020,
}