Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
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Gearal Discussion | Conference – 1991
21 Jun 1991
Conferences
The political statements in mid 1988 that the rise in interest rates “was only seasonal”, and that they “would be down again by Christmas”, were taken at face value by borrowers. ... The rises were therefore seen as temporary and did not have the
https://www.rba.gov.au/publications/confs/1991/macfarlane-disc.html
Housing Prices and Entrepreneurship: Evidence for the Housing Collateral Channel in Australia | Conference – 2015
19 Mar 2015
Conferences
itself. The cost of loan origination can also potentially be reduced if the borrower provides collateral. ... If the borrower fails one of these tests, then the application goes to a credit officer for manual assessment.
https://www.rba.gov.au/publications/confs/2015/connolly-lacava-read.html
Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017
16 Mar 2017
Conferences
Lower interest rates reduce loan-loss provisions, as they reduce borrowers' debt servicing costs and default probabilities. ... All this saps banks' intermediation capacity because rolled-over bad loans crowd out new lending for more productive borrowers.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html
Discussion | Conference – 2018
12 Apr 2018
Conferences
In Australia at present, macroprudential policy is working effectively to tighten credit to mortgage borrowers – particularly to investors – and has delivered both a slowing in credit growth and house price growth. ... In contrast, policies aimed at
https://www.rba.gov.au/publications/confs/2018/broadbent-disc.html
Some Principles of Financial Regulation: Lessons from the United States | Conference – 1991
21 Jun 1991
Conferences
Should that happen, the interest premium charged private borrowers relative to the government would soar. ... Initially the public was pleased. As borrower and speculator, it welcomed the new and cheaper opportunities.
https://www.rba.gov.au/publications/confs/1991/wojnilower.html
Private Capital Flows, Living with Volatility, and the New Architecture | Conference – 1999
9 Aug 1999
Conferences
But why were they lower (for the same borrower from the same country)? ... effects on borrowers and the financial system, as well as on consumers or users of imports.
https://www.rba.gov.au/publications/confs/1999/corden.html
The Evolution of Financial Deregulation | Conference – 1991
21 Jun 1991
Conferences
This changed not only the extent and nature of the links between borrowers and lenders, but also altered the way monetary policy impinged on the macro-economy. ... the direct flows between borrower and lender (particularly government debt – see
https://www.rba.gov.au/publications/confs/1991/grenville.html
Competition: Profitability and Margins | Conference – 1991
21 Jun 1991
Conferences
There is no reason for either borrowers or depositors to gain all the benefits);. ... Not much benefit to the borrowers and lenders for eight years of “improved efficiency coming from deregulation”.
https://www.rba.gov.au/publications/confs/1991/phelps.html
What the FOMC Says and Does When the Stock Market Booms | Conference – 2003
18 Aug 2003
Conferences
As the economy slips into recession, borrowers become less able to repay loans, and so defaults increase. ... Instead of tempering the actions of the lenders, they suggest going after a particular group of borrowers, those who use margin loans to
https://www.rba.gov.au/publications/confs/2003/cecchetti.html
Banking Deregulation – A Virtue or a Necessity? | Conference – 1991
21 Jun 1991
Conferences
The bidding process for credit catered to the reckless borrower. Such borrowers were typically poorer credits. ... Equally, the equity market is ruled by the same “expectational climate” as banks and borrowers.
https://www.rba.gov.au/publications/confs/1991/ferguson.html