@misc{GARCHRecord0002,
  title = {{The Recovery Gap: Bank Equity, Credit, and Output after Financial Crises}},
  author = {Yang, Fuli},
  year = {2026},
  doi = {10.5281/zenodo.23591522},
  url = {https://zenodo.org/records/23591522},
  howpublished = {Zenodo}
}