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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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Housing Prices and Entrepreneurship: Evidence for the Housing Collateral Channel in Australia | Conference – 2015

19 Mar 2015 Conferences
Ellis Connolly, Gianni La Cava and Matthew Read
itself. The cost of loan origination can also potentially be reduced if the borrower provides collateral. ... If the borrower fails one of these tests, then the application goes to a credit officer for manual assessment.
https://www.rba.gov.au/publications/confs/2015/connolly-lacava-read.html

Introduction to Small Business Conditions and Finance

20 Aug 2015 Conferences PDF 53KB
RBA Conference Volume 2015
https://www.rba.gov.au/publications/confs/2015/pdf/intro-2015.pdf

Reserve Bank of Australia Annual Report 2023

1 May 2024 RBA Annual Report - 2023 PDF 9575KB
https://www.rba.gov.au/publications/annual-reports/rba/2023/pdf/rba-annual-report-2023.pdf

Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017

16 Mar 2017 Conferences
Claudio Borio and Boris Hofmann
Lower interest rates reduce loan-loss provisions, as they reduce borrowers' debt servicing costs and default probabilities. ... All this saps banks' intermediation capacity because rolled-over bad loans crowd out new lending for more productive borrowers.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html

Academic Views of Capital Flows: An Expanding Universe

7 Dec 2006 Conferences PDF 54KB
RBA Conference Volume 1999
https://www.rba.gov.au/publications/confs/1999/pdf/dooley-walsh.pdf

Fiscal, Monetary and Macroprudential Regimes: Incentives-Values Compatibility in Constitutional Democracies

28 Dec 2022 Conferences PDF 375KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-tucker.pdf

Financial Intermediation | Reserve Bank of Australia Annual Report - 1994

30 Jun 1994 Annual Report
It is claimed that banks can economise on their scarce capital by concentrating their lending on housing rather than on business borrowers. ... for small business borrowers while several smaller banks, not previously involved in this market, are now
https://www.rba.gov.au/publications/annual-reports/rba/1994/fin-intermediation.html

Discussion of The Evolution of Risk and Risk Management – A Prudential Regulator's Perspective

20 Nov 2007 Conferences PDF 82KB
RBA Conference Volume 2007
https://www.rba.gov.au/publications/confs/2007/pdf/laker-disc.pdf

The Consequences of Low Interest Rates for the Australian Banking Sector

29 Dec 2022 Conferences PDF 1166KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-brassil-presentation.pdf

Economic Survey

9 Mar 2023 RBA Annual Report – 1961
The Loan Council had agreed to the raising of £106 million by State local and semi-governmental borrowers in 1960/61, and actual raisings were very close to this amount. ... However, marginal borrowers tended to find finance unavailable, almost without
https://www.rba.gov.au/publications/annual-reports/rba/1961/economic-survey.html