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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Data
31 Dec 2013
RDP
2013-05
the type of loan, the size of the loan, whether the loan is approved or not), the borrower (e.g. ... The second part of the analysis relies on a measure of borrower risk to test the flight to quality hypothesis.
https://www.rba.gov.au/publications/rdp/2013/2013-05/data.html
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Lending Behaviour
31 Dec 2013
RDP
2013-15
term by passing on changes in funding costs to borrowers as they occur. ... Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers.
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
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The Real Effects of Debt Covenants: Evidence from Australia
24 Oct 2022
RDP
PDF
1647KB
misalignment in incentives between lenders and borrowers (Stein 2003). This paper studies the.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-05.pdf
Results
31 Dec 2012
RDP
2012-02
Deregulation of the financial system through the 1980s had resulted in a substantial easing of lending standards, particularly to business borrowers. ... In particular, the financial position of borrowers is likely to be taken into consideration by
https://www.rba.gov.au/publications/rdp/2012/2012-02/results.html
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Appendix 1: Data
1 Jun 1992
RDP
9206
iii) Reference Rate for Large Borrowers. The National Australia Bank Benchmark Rate applies to the Corporate Clients accounts. ... iv) Reference Rate for Small Borrowers. The National Australia Base Rate applies to the retail and commercial accounts.
https://www.rba.gov.au/publications/rdp/1992/9206/appendix-1.html
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Emergency Liquidity Injections
1 Oct 2019
RDP
2019-10
Research Discussion Paper – RDP 2019-10 Emergency Liquidity Injections. Nicholas Garvin. October 2019. 2.04. MB. 1. Introduction. If financial intermediaries in liquidity distress are to be bailed out, how should it be done? In late 2008
https://www.rba.gov.au/publications/rdp/2019/2019-10/full.html
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Global Trends
31 Dec 2006
RDP
2006-12
This has reduced interest margins on housing loans, lowering real interest rates paid by mortgage borrowers. ... Possible expansion in funding for borrowers with enough equity. Netherlands. Savings/equity loans (endowment mortgages).
https://www.rba.gov.au/publications/rdp/2006/2006-12/global-trends.html
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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
1 Sep 2017
RDP
2017-05
FHBs typically have higher loan-to-valuation ratios and higher debt-servicing burdens than more established borrowers. ... This is not, of course, particularly surprising. Banks already emphasise the need for borrowers to have ‘genuine savings’ as an
https://www.rba.gov.au/publications/rdp/2017/2017-05/full.html
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Results
11 Sep 2015
RDP
2015-01
That is, before granting a loan, lenders are able to effectively predict whether potential borrowers will be able to comfortably service the loan given their income and other expenses. ... This effect relies on reductions in the cash rate being passed on
https://www.rba.gov.au/publications/rdp/2015/2015-01/results.html
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Introduction
1 Dec 1992
RDP
9213
Equally importantly, the allocation of resources by financial markets has not always been socially optimal because of financial market regulation, problems induced by asymmetric information between borrowers and lenders, and the ... This asymmetry means
https://www.rba.gov.au/publications/rdp/1992/9213/introduction.html
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