Some Western governments have accused the Belt and Road Initiative of being neocolonial due to what they allege is China's practice of debt-trap diplomacy to fund the initiative's infrastructure projects.[110][better source needed] The idea of debt trap diplomacy was created by an Indian Think Tank before being expanded on by papers by two Harvard Students, which gained media attention.[111] Scholarly review has suggested that there is little evidence for China engaging in debt trap diplomacy.[112] China contends that the initiative has provided markets for commodities, improved prices of resources and thereby reduced inequalities in exchange, improved infrastructure, created employment, stimulated industrialization, and expanded technology transfer, thereby benefiting host countries.[113] However, studies of economic experts [which?] in the practices of China found the patterns of China's bank lending purposefully trap governments to gain strategic opportunities for China.[8] According to Chellaney, this is "clearly part of China's geostrategic vision".[114] China's overseas development policy has been called [by whom?] debt-trap diplomacy because once indebted economies fail to service their loans, they are said to be pressured to support China's geostrategic interests.[115][116]