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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Private Capital Flows, Living with Volatility, and the New Architecture
7 Dec 2006
Conferences
PDF
30KB
RBA Conference Volume 1999
https://www.rba.gov.au/publications/confs/1999/pdf/corden.pdf
The Role of Collateral in Borrowing
14 Jan 2021
RDP
PDF
1784KB
Lenders to each borrower Borrowers to each lender. Min Mean Max Std dev Min Mean Max Std dev. ... borrowers) they dealt with. Specifically, if a borrower borrows from N different lenders throughout.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
25 Nov 2014
RDP
2014-13
Additionally, the probability of entering arrears varies across different loan types; for example, low-documentation loans are more likely to enter arrears, even after controlling for whether the borrower was ... employed. The likelihood of entering
https://www.rba.gov.au/publications/rdp/2014/2014-13.html
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The Lessons for Monetary Policy | Conference – 1991
21 Jun 1991
Conferences
borrowers wish to run their businesses with higher leverage and hence, other things being equal, higher risk;. ... With financial intermediaries keen to grow, the risk is that they would accommodate the credit demands of these borrowers.
https://www.rba.gov.au/publications/confs/1991/macfarlane.html
Property Prices and Bank Risk-taking
10 Dec 2012
Conferences
PDF
995KB
RBA Conference Volume 2012
https://www.rba.gov.au/publications/confs/2012/pdf/dellariccia.pdf
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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Financial Stability in a Low Interest Rate Environment: An Australian Case Study | Conference – 2017
16 Mar 2017
Conferences
This reduction only affected borrowers seeking to maximise their borrowings, not the average borrower, but that is exactly how one can lean against developing risks most efficiently. ... Ultimately, this will have to be reversed, which could be difficult
https://www.rba.gov.au/publications/confs/2017/ellis-littrell.html
Appendix C: Full Results
13 Dec 2022
RDP
2022-07
May. (a). Jun. Jul. Aug. Sep. Oct. SME borrower. 2.691. (6.060). ... Jun. Jul. Aug. Sep. Oct. Nov. Dec. SME borrower. 15.483. (6.058).
https://www.rba.gov.au/publications/rdp/2022/2022-07/appendix-c.html
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Trends in the Funding and Lending Behaviour of Australian Banks
2 Feb 2015
RDP
PDF
1090KB
term by passing on changes in funding costs to borrowers as they occur. ... where borrowers with more equity have also tended to receive larger discounts (Allen, Clark and Houde 2011).
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf
Property Prices and Bank Risk-taking | Conference – 2012
20 Aug 2012
Conferences
When house prices are on the rise, banks have little incentive to discriminate across borrowers. ... Borrowers will switch to easier-lending competitors. Investors will punish managers not delivering high returns.
https://www.rba.gov.au/publications/confs/2012/dellariccia.html