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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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Macroprudential Limits on Mortgage Products: The Australian Experience

4 Aug 2021 RDP PDF 2345KB
borrowers that will rent out the housing. The second policy, announced early 2017, imposed limits. ... banks’ mortgage pricing power (7.2.3); borrowers’ reclassifications of mortgage types (7.3); and,.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-07.pdf

The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data

8 Jun 2023 RDP PDF 1310KB
increase banks’ willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf

Non-technical summary for 'The Real Effects of Debt Covenants: Evidence from Australia'

18 Oct 2022 RDP PDF 480KB
RDP 2022-05 non-technical summary
https://www.rba.gov.au/publications/rdp/2022/2022-05/rdp-2022-05-non-technical-summary.pdf

Identifying Repo Market Microstructure from Securities Transactions Data

1 Aug 2018 RDP 2018-09
Nicholas Garvin
Borrowers provide and receive back securities as collateral alongside their receipt and repayment of the cash that they borrow. ... Loan-level data are valuable because, for example, they capture information on the borrower and lender for each transaction
https://www.rba.gov.au/publications/rdp/2018/2018-09/full.html
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Abstract for RDP 8101T: Overdrafts and Credit Rationing

1 Mar 1981 RDP 8101
M.A. Beck and M.W. Butlin
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1981/8101t.html

Introduction

25 Oct 2022 RDP 2022-05
Kim Nguyen
A key cause of financial frictions is informational asymmetries and misalignment in incentives between lenders and borrowers (Stein 2003).
https://www.rba.gov.au/publications/rdp/2022/2022-05/introduction.html
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The Liberalisation and Integration of Domestic Financial Markets in Western Pacific Economies

1 Sep 1995 RDP 9506
Gordon de Brouwer
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1995/9506.html
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Introduction

10 Nov 2022 RDP 2022-06
Kim Nguyen
Another strand in the literature supports the ‘supply’ channel in which creditworthiness is private information and local income inequality serves as a ‘signal’ to screen borrowers.
https://www.rba.gov.au/publications/rdp/2022/2022-06/introduction.html
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Overdraft Lending and Aggregating Demands Subject to Constraint

1 Jun 1981 RDP 8102
M.W. Butlin
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1981/8102.html

How Risky is Australian Household Debt?

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
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
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