Search: lending and credit aggregates
RBA Glossary definition for lending and credit aggregates
lending and credit aggregates – Reserve Bank of Australia measures of lending and credit made available to the private non-finance sector (including public trading enterprises) or, the government sector by those financial intermediaries whose liabilities are included in broad money. Broad money is defined as currency plus bank current deposits of the private non-bank sector, plus all other bank deposits of the private non-bank sector plus borrowings from the private sector by non-bank financial intermediaries (NBFIs), less the latter's holdings of currency and bank deposits.
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MARTIN Has Its Place: A Macroeconometric Model of the Australian Economy
1 Aug 2019
RDP
2019-07
Business lending rate. Per cent. Nominal. RBA. NBRSP. Business spread to cash rate. ... In contrast, we model imports at the aggregate level. The non-resource exports equations share a common structure.
https://www.rba.gov.au/publications/rdp/2019/2019-07/full.html
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The Evolving Structure of the Australian Financial System
1 Dec 2009
RDP
PDF
129KB
2 The main groups are banks, merchant banks, finance companies, building societies, credit. ... In this way, they perform the lending and credit assessmentfunctions associated with traditional banking without engaging in retaildeposit-taking.
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9605.pdf
China's Evolving Monetary Policy Framework in International Context
1 Dec 2019
RDP
2019-11
Open market operations. Benchmark lending/deposit rates. Lending facility rates. Required reserve ratio. ... credit management which was based on new instruments and more active management of existing instruments.
https://www.rba.gov.au/publications/rdp/2019/2019-11/full.html
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Trends in the Funding and Lending Behaviour of Australian Banks
2 Feb 2015
RDP
PDF
1090KB
This has resulted in a debate about whether deposit growth will place any form of constraint on lending growth should the rate of credit growth increase or domestic savings decrease (Coffey ... Sources: RBA; authors’ calculations. 3.2.2 Pricing of risk.
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf
Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
PDF
1659KB
literature is the potential for local inequality to affect indebtedness and credit allocation. ... for credit (Cox and Jappelli 1993; Duca and Rosenthal 1993; Browning, Gørtz and.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf
The Real Effects of Debt Covenants: Evidence from Australia
25 Oct 2022
RDP
2022-05
Finally, I quantify the aggregate effects of changes in the types of covenants used on the transmission of monetary policy. ... Lastly, both the actual usage and the reporting of debt covenants may change over time due to changes in aggregate economic
https://www.rba.gov.au/publications/rdp/2022/2022-05/full.html
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How Risky is Australian Household Debt?
19 Aug 2020
RDP
PDF
1880KB
These factors likely include the distribution of debt, the quality of lending, institutional structures. ... more sensitive to shocks to wealth we actually reduce the estimated decline in aggregate.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf
China’s Evolving Monetary Policy Framework in International Context
4 Dec 2019
RDP
PDF
1923KB
monetary policy, attributed to any number of frictions including interest rate controls, credit quotas,. ... Council, the formulation of aggregate supply and demand management policies is more tightly.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-11.pdf
The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
The aggregate household liquidity buffer is the ratio of household liquid assets to disposable income. ... The relevant interest rate is derived from RBA statistical table ‘F5 Indicator Lending Rates’.
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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Credit Spreads, Monetary Policy and the Price Puzzle
23 Jan 2020
RDP
PDF
1959KB
I will show that both of these conditions are likely fulfilled with Zt including credit risk spreads in money market or lending rates. ... spreads ( MMtcs , regression BT-CS1). The cash rate response to business lending spreads (LBtcs ),. US credit
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-01.pdf