Search: borrower
RBA Glossary definition for borrower
borrower – A person or entity that incurs a debt to a lender on agreed terms.
Search Results
How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
Similarly, DTI ratios can be sustainably higher in countries that have structural features that either reduce the volatility of economic activity or the costs to the economy of borrower defaults, or ... For example, banks are more vulnerable to losses if
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
Stress Testing Household Debt
25 Aug 2020
RDP
2020-05
For example, banks are more vulnerable to losses if debt is held by borrowers who are financially constrained, more prone to shocks or have fewer assets. ... We consider these buffers in an extension. We also assume that borrowers with a current LVR less
https://www.rba.gov.au/publications/rdp/2020/2020-05/stress-testing-household-debt.html
Conclusion
25 Aug 2020
RDP
2020-05
We show that aggregate bank losses are higher when risks are concentrated among a small group of borrowers (for example, if households in a particular region simultaneously experience larger falls in
https://www.rba.gov.au/publications/rdp/2020/2020-05/conclusion.html
References
25 Aug 2020
RDP
2020-05
Gross M and J Población (2017), ‘Assessing the Efficacy of Borrower-Based Macroprudential Policy Using an Integrated Micro-Macro Model for European Households’, Economic Modelling, 61, pp 510–528.
https://www.rba.gov.au/publications/rdp/2020/2020-05/references.html
Why is Australian Household Debt High Relative to History and Other Countries?
25 Aug 2020
RDP
2020-05
Similarly, DTI ratios can be sustainably higher in countries that have structural features that either reduce the volatility of economic activity or the costs to the economy of borrower defaults, or ... Inflation is included under this category (rather
https://www.rba.gov.au/publications/rdp/2020/2020-05/why-is-australian-household-debt-high-relative-to-history-and-other-countries.html