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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The Property Ladder after the Financial Crisis: The First Step is a Stretch but Those Who Make It Are Doing OK
6 Sep 2017
RDP
PDF
1368KB
the aggregate ratio places more weight on high-income households, which can be misleading. ... interpret the aggregate trends in household debt and better understand the forces driving.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-05.pdf
Macroeconomic Consequences of Terms of Trade Episodes, Past and Present
4 Feb 2015
RDP
PDF
629KB
This was supported by the use of instruments such as capital controls and qualitative and quantitative controls on credit. ... Credit restrictions also took the form of qualitative controls, but their effectiveness was limited (Schedvin 1992).
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-01.pdf
Household Saving in Australia
4 Feb 2015
RDP
PDF
1171KB
off in the aggregate stock of housing debt, may have led to a more enduring increase in saving. ... 3. importance of life-cycle factors, credit constraints, precautionary motives and household wealth on saving behaviour.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-03.pdf
A Density-based Estimator of Core/Periphery Network Structures: Analysing the Australian Interbank Market
5 Feb 2018
RDP
PDF
1627KB
allows us to identify the lending relationships formed by banks, determine whether these. ... 450. 550. no. Lending volumesQuarterly aggregate. 20112006200. 400. 600. $b Network density.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-01.pdf
Is Housing Overvalued?
4 Feb 2015
RDP
PDF
1164KB
However, although these considerations are important at an individual level, at an aggregate level they seem to cancel out. ... Others choose to rent due to risk aversion and limited access to credit.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-06.pdf
A Model of the Australian Housing Market
5 Mar 2019
RDP
PDF
1639KB
forecasting, we focus on single-equation least squares estimates using aggregate quarterly data. ... Sources: ABS; Authors’ calculations; RBA. 7 We are unaware of any aggregate time series data on the cost of new houses that includes land costs.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-01.pdf
Currency Demand during the Global Financial Crisis: Evidence from Australia
2 Feb 2015
RDP
PDF
633KB
An early crisis occurred in the 1890s, following a property boom associated with lowered lending standards at many financial institutions. ... During this period, confidence collapsed, equity prices fell sharply and wholesale credit markets went into a
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-01.pdf
Promoting Liquidity: Why and How?
2 Dec 2009
RDP
PDF
484KB
a vicious cycle: a loss of investor confidence, leading to a rush out of private credits, leading to a further widening of credit spreads, leading to further liquidations of positions, and ... They argue that lending standards tighten when prices fall,
https://www.rba.gov.au/publications/rdp/2008/pdf/rdp2008-06.pdf
Fiscal Policy and the Inflation Target
4 Feb 2015
RDP
PDF
847KB
of major legislation intended to boost aggregate demand.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-02.pdf
The Effect of Mortgage Debt on Consumer Spending: Evidence from Household-level Data
9 Jul 2019
RDP
PDF
2076KB
22. 7. Implications for Aggregate Household Spending 24. 7.1 Using Macro Data 25. ... effect may explain some of the weakness in aggregate household spending since then.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-06.pdf