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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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Financial Intermediation and Securities Markets
1 Oct 1996
RDP
9605
There was also concern that heavy loan-losses incurred by banks made them reluctant to cut gross margins. ... They also introduced reduced-rate loans like ‘honeymoon’ loans and ‘no-frills’ loans.
https://www.rba.gov.au/publications/rdp/1996/9605/financial-intermediation-and-securities-markets.html
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Results with Tax Data on Actual Investment
19 Dec 2023
RDP
2023-09
The decline in both margins is statistically significant (at the 95 per cent level), and peaks after around two years. ... So using this simple framework, the intensive margin is about twice as important as the extensive margin.
https://www.rba.gov.au/publications/rdp/2023/2023-09/results-with-tax-data-on-actual-investment.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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Financial Reform in Australia and China
4 Feb 2015
RDP
PDF
1153KB
Note: (a) Examples of ‘other’ investment flows are loans and deposits; excludes financial derivatives where. ... 13 Savings banks were still constrained by interest rate ceilings on housing loans and prohibited from raising wholesale deposits.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-10.pdf
Global Trends
31 Dec 2006
RDP
2006-12
This has reduced interest margins on housing loans, lowering real interest rates paid by mortgage borrowers. ... NZ. Increased competition; expansion in fixed-rate loans. Reduction in interest margins; increased capacity to pay.
https://www.rba.gov.au/publications/rdp/2006/2006-12/global-trends.html
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The Role of Credit Supply in the Australian Economy
28 Jan 2015
RDP
PDF
817KB
80. 20. 40. 60. 80. BpsBps. BpsBps. BpsBps. Bank bills(a). Variable rate business loans(c). ... policy developments) can lead to a higher cost of borrowing and stricter loan terms.
https://www.rba.gov.au/publications/rdp/2012/pdf/rdp2012-02.pdf
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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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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Cost-benefit Analysis of Leaning against the Wind
5 Jul 2019
RDP
PDF
1512KB
a large margin’. In the ‘average probability’ scenario of the International Monetary Fund. ... requirements or loan-to-value limits, might reduce risky lending with less collateral damage in the.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-05.pdf
Demand in the Repo Market: Indirect Perspectives from Open Market Operations from 2006 to 2020
9 May 2024
RDP
PDF
4625KB
borrower defaults, the lender should be willing to accept a lower rate of interest on the loan for the. ... Debelle 2020; Finlay, Seibold and Xiang 2020; Kent 2020). One effect was that it led to margin calls.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-03.pdf