Search: lending and credit aggregates
RBA Glossary definition for lending and credit aggregates
lending and credit aggregates – Reserve Bank of Australia measures of lending and credit made available to the private non-finance sector (including public trading enterprises) or, the government sector by those financial intermediaries whose liabilities are included in broad money. Broad money is defined as currency plus bank current deposits of the private non-bank sector, plus all other bank deposits of the private non-bank sector plus borrowings from the private sector by non-bank financial intermediaries (NBFIs), less the latter's holdings of currency and bank deposits.
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The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey Experiment
25 Jan 2023
RDP
PDF
1588KB
The Effect of Credit Constraints on Housing Prices: (Further) Evidence from a Survey. ... Van Bekkum et al (2019) find that LTV caps have larger effects on the borrowingof constrained households, while Acharya et al (2020) find loan-level lending
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-01.pdf
The Role of Collateral in Borrowing
20 Jan 2021
RDP
2021-01
The large credit channel literature has identified characteristics of credit crunches (e.g. ... Rather, there is evidence of lending expansions related to heightened demand for liquid (and safe) assets.
https://www.rba.gov.au/publications/rdp/2021/2021-01/full.html
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The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
21 Nov 2023
RDP
PDF
2354KB
eventuated (16 per cent). Higher frequency data – such as monthly aggregate ATM withdrawals. ... being more likely to meet the lending standards for a credit card, as well as debit cards and cash.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf
The Term Funding Facility: Has It Encouraged Business Lending?
8 Dec 2022
RDP
PDF
2133KB
aggregate lending to large businesses increased in mid-2021 as economic conditions improved. ... Meanwhile, aggregate lending to SMEs was little changed. Nevertheless, additional allowances.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-07.pdf
The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
27 Nov 2023
RDP
2023-08
quartile. This may reflect higher-income households being more likely to meet the lending standards for a credit card, as well as debit cards and cash being used as budgeting tools ... Figure 19: Change in Share by Number of Debit and Credit Card Payments
https://www.rba.gov.au/publications/rdp/2023/2023-08/full.html
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Appendix A: Pass-through Lower Bound in BA-MARTIN
21 Dec 2022
RDP
2022-08
︸. Effect of. credit growth . on capital ratio. ]. d. r. D. ,. t. d. ... And with credit demand only directly responding to cash rate changes via the resulting change in lending rates, zero pass-through would also mute the effect of cash rate
https://www.rba.gov.au/publications/rdp/2022/2022-08/appendix-a.html
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The Relationship between Financial Indicators and Economic Activity: 1968-1987
1 Aug 1988
RDP
8805
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1988/8805.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
However, the pattern observed at the aggregate level is also evident at disaggregated levels. ... In both sets of results the lower quintiles are more responsive to easier credit conditions.
https://www.rba.gov.au/publications/rdp/2023/2023-01/full.html
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Estimating the Effects of Monetary Policy in Australia Using Sign-restricted Structural Vector Autoregressions
29 Dec 2022
RDP
PDF
1886KB
that should, in principle, be sufficient to disentangle this shock from shocks to aggregate demand. ... conditions. He additionally controls for the systematic response of the cash rate to credit conditions.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-09.pdf
The Role of Collateral in Borrowing
14 Jan 2021
RDP
PDF
1784KB
liquid safe assets. This liquid asset demand encourages collateralised lending, contrary to cash. ... lending take place between the same borrower-lender pairs at the same time.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf