Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
22 Jul 2020
RDP
2020-03
In Australia, lenders issue borrowers with a notice of default once a loan enters 90+ day arrears (ASIC nd). ... Where a lender extends some leniency towards the borrower, foreclosure will not occur immediately upon Equation (2a) being satisfied.
https://www.rba.gov.au/publications/rdp/2020/2020-03/full.html
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The Real Effects of Debt Covenants: Evidence from Australia
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). ... Asset-based covenants have been shown to reduce the need to renegotiate loan terms as they better align the
https://www.rba.gov.au/publications/rdp/2022/2022-05/full.html
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Non-technical summary for 'The Term Funding Facility: Has It Encouraged Business Lending?'
8 Dec 2022
RDP
PDF
422KB
RDP 2022-07 non-technical summary
https://www.rba.gov.au/publications/rdp/2022/2022-07/rdp-2022-07-non-technical-summary.pdf
Lending Behaviour
31 Dec 2013
RDP
2013-15
Over time, lenders have increasingly tried to differentiate between the relative riskiness and potential profitability of different borrowers. ... These discounts encourage price-sensitive borrowers to remain with their existing lender, and discourage
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
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Abstract for RDP 8101T: Overdrafts and Credit Rationing
1 Mar 1981
RDP
8101
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1981/8101t.html
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
PDF
728KB
1. Introduction. Housing loans account for a large proportion of both households’ and lenders’balance sheets. ... Loans that amortise moreslowly may also generate greater loan losses for lenders if those loans default.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Identifying Repo Market Microstructure from Securities Transactions Data
1 Aug 2018
RDP
2018-09
Loan-level data are valuable because, for example, they capture information on the borrower and lender for each transaction, potentially revealing whether position changes are supply or demand driven. ... C6. At no point does the lender return more
https://www.rba.gov.au/publications/rdp/2018/2018-09/full.html
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References
9 Oct 2019
RDP
2019-10
Choi DB, JAC Santos and T Yorulmazer (2019), ‘A Theory of Collateral for the Lender of Last Resort’, Unpublished manuscript, January. ... Fischer S (1999), ‘On the Need for an International Lender of Last Resort’, The Journal of Economic
https://www.rba.gov.au/publications/rdp/2019/2019-10/references.html
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BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
Expected loan losses are then determined by the amount of debt held by these households minus the post-shock value of their housing collateral and lenders' mortgage insurance (consistent with the
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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How Risky is Australian Household Debt?
25 Aug 2020
RDP
2020-05
so do not default causing losses for the lender.
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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