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Could I ask who's calling? viag cycle mg Philip Davis, one of the authors of the study, said banks had “overreacted” to the “excess of provision of credit to SMEs” in the run-up to the financial crisis. He found that a typical small business is now less likely to obtain a loan than in 2001-04, a period researchers described as “normal” compared with the “easy money” days of 2005-07.