Search: IT

Help
Contents
Metadata
Published
Display
per page
Results from
Sort by: Relevance Date
1–10 of 11 collapsed search results for IT

RBA Glossary definition for IT

IT – Information Technology

Search Results

The Rise in Household Liquidity

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
It is well documented that household wealth has risen significantly in recent decades and that both sides of the household balance sheet – assets and liabilities – have expanded.
https://www.rba.gov.au/publications/rdp/2021/2021-10.html

The Rise in Household Liquidity

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
It is challenging to identify the causal effect of these innovations on liquidity buffers. ... it. ) and an interaction between that dummy and the change in mortgage debt. (.
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html

Conclusion

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
Finally, it is surprising how unique mortgage offset and redraw accounts are by international standards given their importance to the process of debt amortisation and the accumulation of liquidity buffers. ... It would be interesting to investigate the
https://www.rba.gov.au/publications/rdp/2021/2021-10/conclusion.html

The Rise in Household Liquidity

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
These products make it easier and more cost-effective for home owners to save by paying down mortgage debt ahead of schedule. ... This suggests it is no coincidence that household liquid assets have grown alongside housing prices and debt.
https://www.rba.gov.au/publications/rdp/2021/2021-10/the-rise-in-household-liquidity.html

Appendix D: Household Liquidity, Precautionary Saving and Borrowing Constraints

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
The model is partial equilibrium in nature in that it takes income, housing prices and interest rates as given.
https://www.rba.gov.au/publications/rdp/2021/2021-10/appendix-d.html

References

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
Simon J and T Stone (2017), ‘The Property Ladder after the Financial Crisis: The First Step Is a Stretch but Those Who Make It Are Doing OK’, RBA Research Discussion Paper
https://www.rba.gov.au/publications/rdp/2021/2021-10/references.html

How Do We Measure Household Liquidity?

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
The illiquid asset offers a higher return than the liquid asset, but there is a transaction cost associated with accessing it. ... Moreover, even people who spend all of their income each pay period will spend it only gradually.
https://www.rba.gov.au/publications/rdp/2021/2021-10/how-do-we-measure-household-liquidity.html

Stylised Facts about Household Liquidity

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
It is challenging to identify the causal effect of these innovations on liquidity buffers.
https://www.rba.gov.au/publications/rdp/2021/2021-10/stylised-facts-about-household-liquidity.html

Household Liquidity and Mortgage Debt Dynamics

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
it. ) and an interaction between that dummy and the change in mortgage debt. (. ... using four-year windows may attenuate the estimates and make it more difficult to identify such a channel.
https://www.rba.gov.au/publications/rdp/2021/2021-10/household-liquidity-and-mortgage-debt-dynamics.html

Institutional Features of the Australian Mortgage Market

10 Nov 2021 RDP 2021-10
Gianni La Cava and Lydia Wang
These accounts increase the liquidity of housing wealth and makes it easier for households to save through mortgage prepayment.
https://www.rba.gov.au/publications/rdp/2021/2021-10/institutional-features-of-the-australian-mortgage-market.html