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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Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
PDF
1659KB
literature is the potential for local inequality to affect indebtedness and credit allocation. ... for credit (Cox and Jappelli 1993; Duca and Rosenthal 1993; Browning, Gørtz and.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf
How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
These factors likely include the distribution of debt, the quality of lending, institutional structures and the resilience of the financial system. ... Table 4: Macroeconomic Scenario. Change. Income related. Employment (%). –8. Investment income (%).
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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Do Australian Households Borrow to Keep up with the Joneses?
10 Nov 2022
RDP
2022-06
Such screening effects can lead to an inefficient allocation of credit and entrench inequality. ... 7,631. 7,631. 7,631. 7,631. Non-mortgage. Credit card. Hire purchase. Car. Business.
https://www.rba.gov.au/publications/rdp/2022/2022-06/full.html
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How Risky is Australian Household Debt?
19 Aug 2020
RDP
PDF
1880KB
These factors likely include the distribution of debt, the quality of lending, institutional structures. ... more sensitive to shocks to wealth we actually reduce the estimated decline in aggregate.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf
The Term Funding Facility: Has It Encouraged Business Lending?
13 Dec 2022
RDP
2022-07
Total lending to businesses was approximately steady for much of the rest of the TFF drawdown period, although aggregate lending to large businesses increased in mid-2021 as economic conditions improved. ... Meanwhile, aggregate lending to SMEs was
https://www.rba.gov.au/publications/rdp/2022/2022-07/full.html
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China’s Evolving Monetary Policy Framework in International Context
4 Dec 2019
RDP
PDF
1923KB
monetary policy, attributed to any number of frictions including interest rate controls, credit quotas,. ... Council, the formulation of aggregate supply and demand management policies is more tightly.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-11.pdf
Estimating the Effects of Monetary Policy in Australia Using Sign-restricted Structural Vector Autoregressions
3 Jan 2023
RDP
2022-09
this shock from shocks to aggregate demand and supply (This involves restricting the cash rate and prices to move in opposite directions following a monetary policy shock, as in Uhlig (2005). ... For instance, credit spreads are used to construct the
https://www.rba.gov.au/publications/rdp/2022/2022-09/full.html
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MARTIN Has Its Place: A Macroeconometric Model of the Australian Economy
1 Aug 2019
RDP
2019-07
Business lending rate. Per cent. Nominal. RBA. NBRSP. Business spread to cash rate. ... In contrast, we model imports at the aggregate level. The non-resource exports equations share a common structure.
https://www.rba.gov.au/publications/rdp/2019/2019-07/full.html
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China's Evolving Monetary Policy Framework in International Context
1 Dec 2019
RDP
2019-11
Open market operations. Benchmark lending/deposit rates. Lending facility rates. Required reserve ratio. ... credit management which was based on new instruments and more active management of existing instruments.
https://www.rba.gov.au/publications/rdp/2019/2019-11/full.html
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Australian Money Market Divergence: Arbitrage Opportunity or Illusion?
12 Sep 2019
RDP
PDF
1464KB
significant opportunity cost, when compared to lending for residential housing. Not surprisingly, the. ... Lending cash to a borrower with a higher credit. rating increases the likelihood of full repayment at maturity and is associated with a lower risk.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-09.pdf