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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Non-technical summary for 'MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA's Macroeconometric Model'
13 Jan 2022
RDP
PDF
539KB
RDP 2022-01 non-technical summary
https://www.rba.gov.au/publications/rdp/2022/2022-01/rdp-2022-01-non-technical-summary.pdf
The Real Effects of Debt Covenants: Evidence from Australia
24 Oct 2022
RDP
PDF
1647KB
misalignment in incentives between lenders and borrowers (Stein 2003). This paper studies the.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-05.pdf
MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA’s Macroeconometric Model
12 Jan 2022
RDP
PDF
1774KB
interest rates banks charge borrowers or the amount they are willing to lend (i.e. ... inaccuracies. This is because the interest rates banks charge borrowers ensure they are sufficiently.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-01.pdf
Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
PDF
1659KB
income inequality serves as a ‘signal’ to screen borrowers. This leads to credit being more readily.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf
The RBA's Response to Consultation on its Proposed RMBS Reporting Templates
29 Oct 2013
Consultations
PDF
134KB
borrower income at the time of loan underwriting may not an accurate predictor of future loan performance;. • ... RL070 (Significant Borrower Flag); RL061-62 (Property Statistical Area & Property State or Territory); RL035 (Cumulative Pre-Payments).
https://www.rba.gov.au/publications/consultations/201210-response-re-new-rmbs-reporting-templates/pdf/response-to-rmbs-reporting-templates-consultation.pdf
The Household Cash Flow Channel of Monetary Policy
14 Dec 2016
RDP
PDF
1053KB
relative to comparable fixed-rate borrowers. This is consistent with a ‘borrower’ cash flow channel. ... There. are a handful of studies that examine the borrower cash flow channel.
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-12.pdf
Central Clearing of Over-the-counter (OTC) Derivatives in Australia - June 2011
15 Jul 2011
Consultations
PDF
875KB
A discussion paper issued by the Council of Financial Regulators
https://www.rba.gov.au/publications/consultations/201106-otc-derivatives/pdf/201106-otc-derivatives.pdf
Loan Rate Stickiness: Theory and Evidence
31 Jan 2006
RDP
PDF
819KB
For the first class of borrower (such as governments), the probability of default is zero, while for the second class of borrowers, the probability of default is positive and increasing in ... Given that the borrower is risk averse, she prefers stable
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9206.pdf
Some Structural Causes of Japan’s Banking Problems
1 Dec 2009
RDP
PDF
296KB
applications and, as a result, the average quality of borrowers fell (Bank ofJapan 1991c). ... borrowers who are in good states, and in cases of the borrower’sfinancial distress, it bears a disproportionately high share of the cost of workouts
https://www.rba.gov.au/publications/rdp/2000/pdf/rdp2000-03.pdf
Do Collective Action Clauses Influence Bond Yields? New Evidence from Emerging Markets
2 Dec 2009
RDP
PDF
91KB
An important aspect of these two approaches is that neither would force restructuring on creditors or borrowers: they would simply. ... the opponents of CACs – signal a decline (improvement) in the creditworthiness of the borrower.
https://www.rba.gov.au/publications/rdp/2003/pdf/rdp2003-02.pdf