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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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Credit Losses at Australian Banks: 1980–2013

11 May 2015 RDP 2015-06
David Rodgers
Credit risk – the risk that borrowers will not repay their loans – is one of the main risks that financial intermediaries face, and has been the underlying driver of most systemic banking
https://www.rba.gov.au/publications/rdp/2015/2015-06.html
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Conclusion

13 Dec 2022 RDP 2022-07
Sharon Lai, Kevin Lane and Laura Nunn
would have on the economy, potentially affecting the various lenders and borrowers in different ways.
https://www.rba.gov.au/publications/rdp/2022/2022-07/conclusion.html
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The Lessons for Monetary Policy | Conference – 1991

21 Jun 1991 Conferences
Ian Macfarlane
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

The Provision of Financial Services – Trends, Prospects and Implications

1 Dec 1993 RDP 9315
Warren Tease and Jenny Wilkinson
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9315.html
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Agency Costs, Balance Sheets and the Business Cycle

1 Nov 1993 RDP 9311
Philip Lowe and Thomas Rohling
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1993/9311.html
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Financial Stability in a Low Interest Rate Environment: An Australian Case Study | Conference – 2017

16 Mar 2017 Conferences
Luci Ellis and Charles Littrell
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

Housing Leverage in Australia

1 Jul 2003 RDP 2003-09
Luci Ellis, Jeremy Lawson and Laura Roberts-Thomson
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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Do Monetary Policy and Economic Conditions Impact Innovation? Evidence from Australian Administrative Data

15 Feb 2024 RDP 2024-01
Omer Majeed, Jonathan Hambur and Robert Breunig
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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Appendix B: Institutional Features of the Australian Mortgage Market

10 Jul 2019 RDP 2019-06
Fiona Price, Benjamin Beckers and Gianni La Cava
Funds deposited into an offset account reduce the borrower's net debt and the interest payable. ... A redraw facility enables the borrower to withdraw principal payments that they have made ahead of the required schedule.
https://www.rba.gov.au/publications/rdp/2019/2019-06/appendix-b.html
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The Liberalisation and Integration of Domestic Financial Markets in Western Pacific Economies

1 Sep 1995 RDP 9506
Gordon de Brouwer
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1995/9506.html
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