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RBA Glossary definition for borrower

borrower – A person or entity that incurs a debt to a lender on agreed terms.

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The Economics of Low Interest Rates

29 Dec 2022 Conferences PDF 1053KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-mian-presentation.pdf

The Evolving Structure of the Australian Financial System | Conference – 1996

9 Jul 1996 Conferences
Malcolm Edey and Brian Gray
With interest rate controls in place, bank loans were rationed and available only to the most creditworthy of borrowers. ... Intermediaries earn income in this line of business through the application of expertise in credit assessment and from their
https://www.rba.gov.au/publications/confs/1996/edey-gray.html

The Cost of Inflation in Australia | Conference – 1992

10 Jul 1992 Conferences
Doug McTaggart
It is usually the case, however, that lenders are taxed on nominal receipts and borrowers are able to deduct nominal interest payments. ... The nominal interest rate lenders receive must rise by more than the nominal interest rate borrowers face.
https://www.rba.gov.au/publications/confs/1992/mctaggart.html

Exploring the Link between the Macroeconomic and Financial Cycles

10 Feb 2020 Conferences PDF 1989KB
RBA Conference Volume 2017
https://www.rba.gov.au/publications/confs/2017/pdf/rba-conference-volume-2017-cagliarini-price.pdf

Academic Views of Capital Flows: An Expanding Universe | Conference – 1999

9 Aug 1999 Conferences
Michael P Dooley and Carl E Walsh
Typically, theory deals with broad classes of agents – lenders versus borrowers, consumers versus firms, entrepreneurs versus savers. ... Since agents cannot distinguish solvent from insolvent borrowers, any inefficiencies are ex post, not ex ante, in
https://www.rba.gov.au/publications/confs/1999/dooley-walsh.html

Regulatory Policy Issues in Australia | Conference – 1996

9 Jul 1996 Conferences
Graeme Thompson
If the banking system becomes insolvent, potentially large costs are borne because the payments system is disrupted, borrowers become illiquid, and information about borrowers is possibly lost. ... borrowers. It is being aided by developments in
https://www.rba.gov.au/publications/confs/1996/thompson.html

What the FOMC Says and Does When the Stock Market Booms | Conference – 2003

18 Aug 2003 Conferences
Stephen G Cecchetti
As the economy slips into recession, borrowers become less able to repay loans, and so defaults increase. ... Instead of tempering the actions of the lenders, they suggest going after a particular group of borrowers, those who use margin loans to
https://www.rba.gov.au/publications/confs/2003/cecchetti.html

European Financial Deregulation: The Pressures for Change and the Costs of Achievement | Conference – 1991

21 Jun 1991 Conferences
Joseph Bisignano
Both borrower and lender have an incentive to develop a close “information-sharing” and, possibly, a “risk-sharing” relationship. ... contributed in certain cases to strong long-term relationships between creditors and business borrowers.
https://www.rba.gov.au/publications/confs/1991/bisignano.html

Financial Stability in a Low Interest Rate Environment: An Australian Case Study

10 Feb 2020 Conferences PDF 1518KB
RBA Conference Volume 2017
https://www.rba.gov.au/publications/confs/2017/pdf/rba-conference-volume-2017-ellis-littrell.pdf

Overview

5 Nov 2020 SMP – November 2020
Loan deferrals have also assisted borrowers affected by the pandemic. Because of the fiscal support via JobKeeper and social assistance payments, aggregate household income in Australia increased in the June quarter, ... The lower risk-free yield curve
https://www.rba.gov.au/publications/smp/2020/nov/overview.html