Pierre Williams from the Federation of Small Businesses told ITV News that if the Funding for Lending Scheme fails, the Government will have to "look carefully" at whether high street banks are the 'right conduit'.
The £80 billion scheme will give money to banks on the basis that they provide cheaper loans to kick-start lending.
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A seven-year-old girl was shot in the head at her home by her estranged father, before he turned the gun on himself, an inquest has heard.