Search: margin loans
RBA Glossary definition for margin loans
margin loans – Loans which are made to investors to purchase financial assets, usually equities or units in managed funds. These assets are used as security for the margin loan. Margin loan clients are required to keep the ratio of borrowings to the value of underlying security below a pre-arranged level. When the ratio goes above this level, lenders will make a margin call, requiring the borrower to either repay some of the loan or provide additional security to support the loan.
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Domestic Financial Markets and Conditions
10 Nov 2006
SMP
– November 2006
However, competitive pressures in the business loan market in recent years have meant that the weighted-average rate actually paid on variable-rate business loans – incorporating risk margins – is still a ... Indicators of the riskiness of borrowers'
https://www.rba.gov.au/publications/smp/2006/nov/dom-fin-mkts.html
How Many Jobs Did JobKeeper Keep?
23 Nov 2020
RDP
2020-07
On the other hand, Chetty et al (2020) find that PPP loans had little effect on employment at small firms. ... Granja et al (2020) do not find evidence that the first round of PPP loans had a substantial effect on local economic outcomes.
https://www.rba.gov.au/publications/rdp/2020/2020-07/full.html
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List of graphs
10 May 2013
SMP
– May 2013
Graph 4.9: Net Interest Margin and Spread. ... Graph 4.17: Margin Loans Outstanding.
https://www.rba.gov.au/publications/smp/2013/may/graphs.html
Domestic Financial Markets
10 Feb 2011
SMP
– February 2011
Average variable rates on unsecured personal loans, credit cards and margin loans have increased by 25 basis points, while rates on home equity loans have increased by around 40 basis points. ... As such, an increase in the value of collateral backing
https://www.rba.gov.au/publications/smp/2011/feb/dom-fin-mkts.html
Emergency Liquidity Injections
1 Oct 2019
RDP
2019-10
In the model presented here, lending policies that permit banks to repay the loans after conditions improve are more credible than a securities purchase policy. ... The shock b can be interpreted as short-term creditors not rolling over debt, withdrawing
https://www.rba.gov.au/publications/rdp/2019/2019-10/full.html
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Conclusion
1 Oct 1996
RDP
9605
Already single-service providers have been able to compete vigorously with banks in key lines of business and, although banks retain a large share of deposit and loan markets, this competition ... In contrast to the traditional structure, where the core
https://www.rba.gov.au/publications/rdp/1996/9605/conclusion.html
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Domestic Financial Markets
10 May 2011
SMP
– May 2011
Most interest rates on variable personal loans – including credit cards, home equity loans and margin loans – have remained unchanged since the end of January. ... The average risk margin that banks charge above these benchmark rates appears to have
https://www.rba.gov.au/publications/smp/2011/may/dom-fin-mkts.html
A Model of the Australian Housing Market
1 Mar 2019
RDP
2019-01
The liberalisation of credit markets, emphasised by Yates (2011, Section 2.2) among others, led to a narrowing in lending margins.
https://www.rba.gov.au/publications/rdp/2019/2019-01/full.html
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Domestic Financial Markets
10 Feb 2009
SMP
– February 2009
Rates on standard credit cards and margin loans have declined by 125–165 basis points. ... Overall, abstracting from recent changes in risk margins, we estimate that the average interest rate on all outstanding business loans has fallen by 230 basis
https://www.rba.gov.au/publications/smp/2009/feb/dom-fin-mkts.html
Domestic Financial Markets
10 May 2012
SMP
– May 2012
Most interest rates on variable personal loans – including credit card loans, home equity loans and margin loans – rose over the three months to the end of April. ... The amount of personal credit outstanding has also been little changed, with falls
https://www.rba.gov.au/publications/smp/2012/may/dom-fin-mkts.html