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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The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
First, lower profits and sticky nominal return targets can increase banks' willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
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The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
31 Jan 2023
RDP
2023-01
Adelino, Schoar and Severino (2016) use loan-level data to show that there were large increases in credit in middle-income and prime borrowers. ... Further, prime borrowers in these zip codes also showed strong growth in mortgage debt.
https://www.rba.gov.au/publications/rdp/2023/2023-01/full.html
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Agency Costs, Balance Sheets and the Business Cycle
1 Nov 1993
RDP
9311
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9311.html
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The Provision of Financial Services – Trends, Prospects and Implications
1 Dec 1993
RDP
9315
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9315.html
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Identifying Repo Market Microstructure from Securities Transactions Data
1 Aug 2018
RDP
2018-09
Borrowers provide and receive back securities as collateral alongside their receipt and repayment of the cash that they borrow. ... Loan-level data are valuable because, for example, they capture information on the borrower and lender for each transaction
https://www.rba.gov.au/publications/rdp/2018/2018-09/full.html
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Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
PDF
728KB
This does not simply reflect thetendency for low-doc loans to be extended to self-employed borrowers, who tendto have more volatile incomes, as we control for whether the borrower was ... self-employed at the time of loan origination.10 The estimated SHR
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Australian Money Market Divergence: Arbitrage Opportunity or Illusion?
12 Sep 2019
RDP
PDF
1464KB
BBB-rated borrower Higher High Higher probability of high losses Large. Collateralised transaction. ... under swap) we find the net return becomes more negative as borrower creditworthiness.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-09.pdf
Non-technical summary for 'The Real Effects of Debt Covenants: Evidence from Australia'
18 Oct 2022
RDP
PDF
480KB
RDP 2022-05 non-technical summary
https://www.rba.gov.au/publications/rdp/2022/2022-05/rdp-2022-05-non-technical-summary.pdf
Housing Leverage in Australia
1 Jul 2003
RDP
2003-09
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2003/2003-09.html
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Credit Risk and the Macroeconomy: Evidence from an Estimated DSGE Model
20 Nov 2009
Research Workshop
PDF
727KB
Reserve Bank of Australia Research Workshop 2009
https://www.rba.gov.au/publications/workshops/research/2009/pdf/gilchrist.pdf