Neighbourhood Planning Bill

I am very sympathetic to pubs, and always voted on what we might call the pub side of the argument, including over the tenancy issue—the tied pubs issue—during the previous Parliament. I am concerned that if we say to a struggling pub that it has to get planning permission, the bank might pull the plug on it much more quickly, because there will be no guarantee that the bank will be able to get its money back—as it can at the moment—if it keeps lending the pub money. I wonder what the hon. Lady makes of the idea that the proposal could be inadvertently counterproductive for pubs that are struggling.