International banks play a big role in global financial crises. Researchers from around the world studied 11 countries to see how liquidity shocks affect bank lending. They found that parent banks' liquidity affects both domestic and foreign lending. The type of bank and how they manage their money also influence how they respond to liquidity risks. Multinational banks can change how much they lend in their home country based on how they manage their money. When the government provides money during tough times, it helps banks lend more and reduces the impact of money problems on lending.