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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The Algorithm
15 Dec 2016
RDP
2016-11
On each day, the algorithm checks all transactions (from borrower to lender) between each pair of banks to determine if any could feasibly include an interest payment (with feasibility determined by
https://www.rba.gov.au/publications/rdp/2016/2016-11/algorithm.html
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An Industry Perspective on the Future of the Australian Financial System | Conference – 1996
9 Jul 1996
Conferences
Domestic lenders' preferences for the highest quality credits have resulted in wide margins for other borrowers who have therefore found offshore issues more attractive. ... The banks have a comparative advantage in business and risk assessment for small
https://www.rba.gov.au/publications/confs/1996/cole.html
Housing Leverage in Australia
1 Jul 2003
RDP
2003-09
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/2003/2003-09.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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Academic Views of Capital Flows: An Expanding Universe
7 Dec 2006
Conferences
PDF
54KB
RBA Conference Volume 1999
https://www.rba.gov.au/publications/confs/1999/pdf/dooley-walsh.pdf
The Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011
24 Jul 2000
Conferences
the shift of the household sector from net borrowers to net lenders towards the end of the decade with offsetting changes for the government sector;. ... An international agenda of stronger regulation, especially of banks, commenced in the late 2000s,
https://www.rba.gov.au/publications/confs/2011/davis.html
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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The Consequences of Low Interest Rates for the Australian Banking Sector
29 Dec 2022
Conferences
PDF
1166KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-brassil-presentation.pdf
Discussion of The Evolution of Risk and Risk Management – A Prudential Regulator's Perspective
20 Nov 2007
Conferences
PDF
82KB
RBA Conference Volume 2007
https://www.rba.gov.au/publications/confs/2007/pdf/laker-disc.pdf
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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