Search: business cycle
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RBA Glossary definition for business cycle
business cycle – The period between peaks or troughs of macroeconomic activity.
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Submission to the Inquiry into Affordable Housing–February 2014 | Housing and Housing Finance | Submissions
1 Feb 2014
Submissions
Berger-Thomson L and L Ellis (2004), ‘Housing Construction Cycles and Interest Rates’, RBA Research Discussion Paper No 2004-08. ... Available at <http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Former_Committees/hsaf/report/index>.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-affordable-housing/
Recent Influences on the Competitive Environment | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
It partly reflects factors such as economies of scale, diversification of business models and whether infrastructure and brand reputation are well-established. ... More recently, foreign banks from Asia have competed strongly in some segments of the
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/recent-influences-on-the-competitive-environment.html
Appendix A: Trends in the Australian Financial System | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
rather than to any shift to securitisation of financial flows to the business sector. ... post-deregulation cycle in the banking sector (and the most significant cycle in the banking system since the 1930s).
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-a.html
Interest Margins and Spreads | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial…
30 Nov 2010
Submissions
In addition, housing lending has increased as a share of banks' assets, and this earns a lower interest margin than business lending. ... This effect has been offset somewhat by higher risk margins on lending, particularly on business loans, which have
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/interest-margins.html
Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
The higher the fixed costs in a particular area of business (e.g. ... For example, business lending is typically riskier than housing lending but can generate higher returns.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
Superannuation | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
and increasingly so, in the intermediation business, taking savings and investing in a range of assets. ... There are also a range of small business tax concessions that may influence small business owners to transfer business property into an SMSF
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/superannuation.html
Executive Summary | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
national circumstances, and should not disadvantage particular activities or business models except to the extent justified by the relative risks they pose. ... However, the market for small business loans has more structural impediments to competition
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/executive-summary.html
Appendix C: Should Bank Supervision Be Carried Out by the Central Bank or by a Separate Authority? | Submission to the Financial System…
6 Sep 1996
Submissions
necessary liquidity through the discount window, although the banks remained responsible for the credit risks involved in lending to their business borrowers. ... This is not an easy task as there is no mechanical link that applies over time; each cycle
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-c.html
Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…
1 Mar 2014
Submissions
Unincorporated business owners are less likely to use debt and have lower gearing levels than incorporated businesses. ... Liaison suggests that smaller business creditors often have their payment terms unilaterally extended by larger businesses.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html
Submission to the Inquiry into the Reserve Bank Amendment (Australian Reconstruction and Development Board) Bill 2013 – February 2014 |…
1 Feb 2014
Submissions
Senate Economics References Committee Inquiry into Access of Small Business to Finance, March. ... See ABS (2013), Selected Characteristics of Australian Business 2011–12, ABS Cat No 8167.0, September.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-rba-amendment-australian-reconstruction-development-board-bill-2013/