Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
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
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
Some Principles of Financial Regulation: Lessons from the United States | Conference – 1991
21 Jun 1991
Conferences
Should that happen, the interest premium charged private borrowers relative to the government would soar. ... Initially the public was pleased. As borrower and speculator, it welcomed the new and cheaper opportunities.
https://www.rba.gov.au/publications/confs/1991/wojnilower.html
Developments in the Business of Banking | Conference – 1996
9 Jul 1996
Conferences
Banks have always been suppliers of credit to worthy borrowers with the capacity to undertake and finance productive investments. ... It is mostly borrowers with unique, non-standard credit needs that will rely heavily on banks and finance companies for
https://www.rba.gov.au/publications/confs/1996/joss.html
The Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011
24 Jul 2000
Conferences
the shift of the household sector from net borrowers to net lenders towards the end of the decade with offsetting changes for the government sector;. ... An international agenda of stronger regulation, especially of banks, commenced in the late 2000s,
https://www.rba.gov.au/publications/confs/2011/davis.html
Regulatory Policy Issues in Australia | Conference – 1996
9 Jul 1996
Conferences
If the banking system becomes insolvent, potentially large costs are borne because the payments system is disrupted, borrowers become illiquid, and information about borrowers is possibly lost. ... borrowers. It is being aided by developments in
https://www.rba.gov.au/publications/confs/1996/thompson.html
Private Capital Flows, Living with Volatility, and the New Architecture | Conference – 1999
9 Aug 1999
Conferences
But why were they lower (for the same borrower from the same country)? ... effects on borrowers and the financial system, as well as on consumers or users of imports.
https://www.rba.gov.au/publications/confs/1999/corden.html
Competition: Profitability and Margins | Conference – 1991
21 Jun 1991
Conferences
There is no reason for either borrowers or depositors to gain all the benefits);. ... Not much benefit to the borrowers and lenders for eight years of “improved efficiency coming from deregulation”.
https://www.rba.gov.au/publications/confs/1991/phelps.html
Banking in the 21st Century: The Transformation of an Industry | Conference – 1996
9 Jul 1996
Conferences
Moreover, the development of credit scoring techniques means that the credit standing of borrowers can be assessed without the necessity of the information derived through an institution maintaining a borrower's ... able to handle them more efficiently
https://www.rba.gov.au/publications/confs/1996/llewellyn.html
Introduction | Conference – 1993
12 Jul 1993
Conferences
There are also issues concerning the externalities imposed on new borrowers by the fact that there is already a large stock of outstanding Australian debt.
https://www.rba.gov.au/publications/confs/1993/intro-93.html