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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Appendix A: Data Details
12 Sep 2014
RDP
2014-06
First, the data are thin, with few loans being made at this rate. ... Earlier data are difficult to interpret but do not clearly point to a change in expected margins.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html
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Australian Money Market Divergence: Arbitrage Opportunity or Illusion?
1 Sep 2019
RDP
2019-09
Note: (a) Discounted variable rates on owner-occupier housing loans; spread to cash rate. ... Source. Notes. Gross returns (GR. it. ). Mortgages. Discounted variable lending rate on housing loans.
https://www.rba.gov.au/publications/rdp/2019/2019-09/full.html
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The Algorithm Performance
15 Aug 2018
RDP
2018-09
Partial repayments are more common than loan increases by a small margin. ... Any detected overnight loans must therefore be false detections rather than actual overnight loans.
https://www.rba.gov.au/publications/rdp/2018/2018-09/the-algorithm-performance.html
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The Evolution of Risk and Risk Management – A Prudential Regulator's Perspective | Conference – 2007
20 Aug 2007
Conferences
Unregulated mortgage originators, making use of broker networks, have been very successful in originating, packaging and securitising loans, and distributing the resulting debt securities directly to investors. ... to risk management requirements being
https://www.rba.gov.au/publications/confs/2007/laker.html
On the Economics of Committed Liquidity Facilities | Conference – 2013
19 Aug 2013
Conferences
to the bank of making a unit of loans is given by r. ... We assume the loan market is completely passive – banks can make whatever quantity of loans they want at the equilibrium interest rate.
https://www.rba.gov.au/publications/confs/2013/bech-keister.html
An Industry Perspective on the Future of the Australian Financial System | Conference – 1996
9 Jul 1996
Conferences
A significant contribution to this has come from the superannuation members' home loan scheme. ... The badging of the retail product has assisted the life office in its marketing of loans.
https://www.rba.gov.au/publications/confs/1996/cole.html
Lending Behaviour
31 Dec 2013
RDP
2013-15
Notes: Spreads on outstanding loans. (a) Loans greater than $2 million; includes bill lending. ... This shift may have been a response by lenders to margins on these loans that appeared to be too narrow to accommodate the increase in funding costs, with
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
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Exploring the Link between the Macroeconomic and Financial Cycles | Conference – 2017
16 Mar 2017
Conferences
This shock is often brought on by bad news that increases uncertainty about future asset returns, causing lenders to increase margins. ... To explain this result, the authors develop a dynamic general equilibrium model in which the unsecured component of
https://www.rba.gov.au/publications/confs/2017/cagliarini-price.html
Finance and Welfare States in Globalising Markets | Conference – 2007
20 Aug 2007
Conferences
assets. In addition, access to loans and stocks can imply wider ex post income differences across investors by making it easier to undertake risky investments. ... lending-borrowing interest margins and indicators of borrowing limits on housing purchases
https://www.rba.gov.au/publications/confs/2007/bertola.html
The Role of Institutional Investors in the Evolution of Financial Structure and Behaviour | Conference – 1996
9 Jul 1996
Conferences
Bank failures following loan losses. Moderate. 1974. Herstatt. Bank failure following trading losses. ... 1990–91. Norwegian banking crisis. Bank failures following loan losses. Low. 1991–92.
https://www.rba.gov.au/publications/confs/1996/davis.html