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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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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

Some Structural Causes of Japan's Banking Problems

1 May 2000 RDP 2000-03
Luke Gower
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2000/2000-03.html
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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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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

Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data

4 Feb 2015 RDP PDF 728KB
This does not simply reflect thetendency for low-doc loans to be extended to self-employed borrowers, who tendto have more volatile incomes, as we control for whether the borrower was ... self-employed at the time of loan origination.10 The estimated SHR
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf

Do Australian Households Borrow to Keep up with the Joneses?

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/full.html
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Appendix 1: Data

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
iii) Reference Rate for Large Borrowers. The National Australia Bank Benchmark Rate applies to the Corporate Clients accounts. ... iv) Reference Rate for Small Borrowers. The National Australia Base Rate applies to the retail and commercial accounts.
https://www.rba.gov.au/publications/rdp/1992/9206/appendix-1.html
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Australian Money Market Divergence: Arbitrage Opportunity or Illusion?

12 Sep 2019 RDP PDF 1464KB
BBB-rated borrower Higher High Higher probability of high losses Large. Collateralised transaction. ... under swap) we find the net return becomes more negative as borrower creditworthiness.
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-09.pdf

MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA’s Macroeconometric Model

12 Jan 2022 RDP PDF 1774KB
interest rates banks charge borrowers or the amount they are willing to lend (i.e. ... inaccuracies. This is because the interest rates banks charge borrowers ensure they are sufficiently.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-01.pdf

Data

31 Dec 2013 RDP 2013-05
Gianni La Cava
the type of loan, the size of the loan, whether the loan is approved or not), the borrower (e.g. ... The second part of the analysis relies on a measure of borrower risk to test the flight to quality hypothesis.
https://www.rba.gov.au/publications/rdp/2013/2013-05/data.html
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