Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
Developing Housing Finance Systems | Conference – 2012
20 Aug 2012
Conferences
Information on the borrower. To adequately price a loan, a lender must have information on the creditworthiness of prospective borrowers that enables a determination of the probability of default. ... of fixed- or variable-rate mortgages in any economy
https://www.rba.gov.au/publications/confs/2012/warnock-warnock.html
Financial System Liquidity, Asset Prices and Monetary Policy | Conference – 2005
11 Jul 2005
Conferences
The first is the increased credit that operates through the borrowers' balance sheets, where increased lending comes from the greater creditworthiness of the borrower (Bernanke and Gertler 1989; Kiyotaki and Moore ... Suppose that borrower i has issued
https://www.rba.gov.au/publications/confs/2005/shin.html
Bank Deregulation in Australia: Choice and Diversity, Gainers and Losers | Conference – 1991
21 Jun 1991
Conferences
Secondly, banks allocated funds to borrowers on the basis of “seller's preference”. ... Apart from their traditional role as intermediaries between ultimate borrowers and lenders, banks also provide payments services.
https://www.rba.gov.au/publications/confs/1991/harper.html
The Lessons for Monetary Policy | Conference – 1991
21 Jun 1991
Conferences
borrowers wish to run their businesses with higher leverage and hence, other things being equal, higher risk;. ... With financial intermediaries keen to grow, the risk is that they would accommodate the credit demands of these borrowers.
https://www.rba.gov.au/publications/confs/1991/macfarlane.html
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
Property Prices and Bank Risk-taking | Conference – 2012
20 Aug 2012
Conferences
When house prices are on the rise, banks have little incentive to discriminate across borrowers. ... Borrowers will switch to easier-lending competitors. Investors will punish managers not delivering high returns.
https://www.rba.gov.au/publications/confs/2012/dellariccia.html
An Industry Perspective on the Future of the Australian Financial System | Conference – 1996
9 Jul 1996
Conferences
Domestic lenders' preferences for the highest quality credits have resulted in wide margins for other borrowers who have therefore found offshore issues more attractive. ... The banks have a comparative advantage in business and risk assessment for small
https://www.rba.gov.au/publications/confs/1996/cole.html
SME Access to Intermediated Credit: What Do We Know and What Don't We Know? | Conference – 2015
19 Mar 2015
Conferences
In other words: does relationship lending work? Does it produce benefits to the borrower? ... These proxies include relationship length, bank-borrower distance, exclusivity and cross-product information synergies.
https://www.rba.gov.au/publications/confs/2015/udell.html
Discussion | Conference – 2018
12 Apr 2018
Conferences
In Australia at present, macroprudential policy is working effectively to tighten credit to mortgage borrowers – particularly to investors – and has delivered both a slowing in credit growth and house price growth. ... In contrast, policies aimed at
https://www.rba.gov.au/publications/confs/2018/broadbent-disc.html
Gearal Discussion | Conference – 1991
21 Jun 1991
Conferences
The political statements in mid 1988 that the rise in interest rates “was only seasonal”, and that they “would be down again by Christmas”, were taken at face value by borrowers. ... The rises were therefore seen as temporary and did not have the
https://www.rba.gov.au/publications/confs/1991/macfarlane-disc.html