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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Do Monetary Policy and Economic Conditions Impact Innovation? Evidence from Australian Administrative Data
15 Feb 2024
RDP
2024-01
This can reflect: tighter aggregate credit supply; lower asset prices which reduce borrowers' collateral value and therefore borrowing capacity, the ‘financial accelerator channel’ (Bernanke, Gertler and Gilchrist 1999); or lower liquidity
https://www.rba.gov.au/publications/rdp/2024/2024-01/full.html
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The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
First, lower profits and sticky nominal return targets can increase banks' willingness to extend loans to riskier borrowers (Rajan 2006; Haldane 2011).
https://www.rba.gov.au/publications/rdp/2023/2023-05/full.html
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The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
31 Jan 2023
RDP
2023-01
Adelino, Schoar and Severino (2016) use loan-level data to show that there were large increases in credit in middle-income and prime borrowers. ... Further, prime borrowers in these zip codes also showed strong growth in mortgage debt.
https://www.rba.gov.au/publications/rdp/2023/2023-01/full.html
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The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
of the decline in Australian neutral rates following the global financial crisis (McCririck and Rees 2017), changes in the interest rates borrowers are expected to pay in the long run may ... Holding interest rates constant, an economic downturn
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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Conclusion
13 Dec 2022
RDP
2022-07
would have on the economy, potentially affecting the various lenders and borrowers in different ways.
https://www.rba.gov.au/publications/rdp/2022/2022-07/conclusion.html
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Introduction
10 Nov 2022
RDP
2022-06
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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Introduction
25 Oct 2022
RDP
2022-05
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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Credit Loss Modelling
20 Sep 2022
RDP
2022-03
This could to some extent reflect the incentive to strategically default when borrowers have little equity in their loan. ... and legal frameworks, LVR distribution, and borrower and bank characteristics are more similar to those in Australia.
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
When capital ratios fall below banks' desired levels, banks increase the spreads they charge borrowers above these unconstrained spreads. ... lending standards are tightened). In this case, even though each borrower would be paying more for their loan,
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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The Rise in Household Liquidity
10 Nov 2021
RDP
2021-10
A redraw facility enables the borrower to withdraw excess funds they have already contributed to pay off their loan. ... This is because borrowers that select mortgages with such features could be systematically different from those that do not, and
https://www.rba.gov.au/publications/rdp/2021/2021-10/full.html
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