@unpublished{publication-21876,
	author={Auer, Raphael and Matyunina, Alexandra and Ongena, Steven},
	doi={10.2139/ssrn.3345189},
	institution={Swiss Finance Institute},
	issn={1556-5068},
	number={21-66},
	pages=33,
	series={Swiss Finance Institute Research Paper},
	title={The countercyclical capital buffer and the composition of bank lending},
	year=2022,
}