Gonzalo Iberti is a current student of Ph.D. in Finance at Adolfo Ibañez of Chile Univiersity. He has a Masters in Economics from Pontificia Universidad Católica de Chile and a Masters in Applied Finance from Universidad del Desarrollo. His research interests are in Financial Intermediation, Industrial Organization of Banking, and Financial Constraints of firms. He has extensive work experience in public and private institutions relating to financial markets and their regulation.