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* Banks are often blamed for not making enough money available for potential entrepreneurs, but new research suggests that, if anything, they overlend to the start-up sector. David de Meza, professor of economics and management at the London School of Economics and Exeter 51¹ú²úÊÓƵ, believes the findings indicate that government policies aimed at encouraging the launch of more entrepreneurial small businesses, including university spin-offs, "may be misplaced". "High-quality entrepreneurs are cross-subsidising low-quality ones," said Professor de Meza.