Aotearoa / New Zealand

She says the smaller banks often can't access Reserve Bank funding, so have to rely on credit lines from the big banks – and though it happens only occasionally, these can be cut off at will.

This is news to me. What's the criteria for when a bank is allowed to access RBNZ funds? I presume we are talking about some sort of credit limit that stops them borrowing too much, since they didn't say they can't access it at all.