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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Monetary Policy and Financial Stability in a World of Low Interest Rates
18 Dec 2017
Conferences
PDF
8052KB
RBA Conference Volume 2017
https://www.rba.gov.au/publications/confs/2017/pdf/rba-conference-volume-2017.pdf
Discussion of Is Monetary Policy Less Effective When Interest Rates Are Persistently Low?
13 Dec 2017
Conferences
PDF
103KB
RBA Conference Volume 2017
https://www.rba.gov.au/publications/confs/2017/pdf/rba-conference-volume-2017-borio-hofmann-discussion.pdf
New Financial Stability Governance and Central Banks
13 Dec 2017
Conferences
PDF
1022KB
RBA Conference Volume 2017
https://www.rba.gov.au/publications/confs/2017/pdf/rba-conference-volume-2017-edge-liang.pdf
Financial Stability in a Low Interest Rate Environment: An Australian Case Study | Conference – 2017
16 Mar 2017
Conferences
This reduction only affected borrowers seeking to maximise their borrowings, not the average borrower, but that is exactly how one can lean against developing risks most efficiently. ... Ultimately, this will have to be reversed, which could be difficult
https://www.rba.gov.au/publications/confs/2017/ellis-littrell.html
Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017
16 Mar 2017
Conferences
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
Exploring the Link between the Macroeconomic and Financial Cycles | Conference – 2017
16 Mar 2017
Conferences
referred to as the ‘financial accelerator’ mechanism), for example, through the procyclicality of borrower net worth. ... Bernanke and Gertler argue that this deadweight loss varies inversely with borrower net worth.
https://www.rba.gov.au/publications/confs/2017/cagliarini-price.html
New Financial Stability Governance and Central Banks | Conference – 2017
16 Mar 2017
Conferences
In contrast, LVRs are borrower- rather than lender-based, suggesting political or other factors, such as home ownership goals, may be considerations and a more system-wide analysis is needed.
https://www.rba.gov.au/publications/confs/2017/edge-liang.html
Discussion | Conference – 2017
16 Mar 2017
Conferences
Rate cuts reduce interest payments for borrowers with floating-rate debt, resulting in higher cash flows and potentially more spending, particularly for borrowers who are liquidity constrained.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann-disc.html
Discussion | Conference – 2017
16 Mar 2017
Conferences
This makes borrowers look deceptively solid in the boom phase. The two financial gaps can be incorporated within a standard filtering system to estimate trends, such as potential output.
https://www.rba.gov.au/publications/confs/2017/cagliarini-price-disc.html
Monetary Policy and Financial Stability | Conference – 2017
16 Mar 2017
Conferences
Such distortions include, for instance, the relationship between asset prices and credit growth, whereby higher asset prices allow borrowers to pledge more collateral and thus increase debt, until a shock forces
https://www.rba.gov.au/publications/confs/2017/dell-ariccia-habermeier-haksar-mancini-griffoli.html