Negative rates, monetary policy transmission and cross-border lending via international financial centers Desislava Andreeva; Andra Coman; Mary Everett; Maren Froemel; Hong Kong Institute for Monetary and Financial Research; Simon Lloyd; Baptiste Meunier; Justine Pedrono; Dennis Reinhardt; Andrew L. Wong; Eric Wong; Dawid Żochowski Journal of Financial Stability 2025 81, 101474