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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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Macroprudential Policy Frameworks and Tools

15 Dec 2016 Bulletin – December 2016
David Orsmond and Fiona Price
Over the past decade, policymakers have increasingly used macroprudential tools to address a range of financial stability concerns. International institutions have identified and offered guidance on the components of an effective macroprudential
https://www.rba.gov.au/publications/bulletin/2016/dec/8.html

The Availability of Business Finance

7 Dec 2017 Bulletin – December 2017
Ellis Connolly and Ben Jackman
Access to business finance has improved markedly since the global financial crisis, and debt-servicing costs are near historic lows. Nevertheless, small businesses continue to face challenges accessing finance. This article looks at the sources and
https://www.rba.gov.au/publications/bulletin/2017/dec/7.html

Recent Developments in Low-deposit Loans

10 Oct 2003 Bulletin – October 2003
Marianne Gizycki and Michelle Wright
Vendor financing allows borrowers to circumvent traditional LVR (and repayment) limits by deferring the transfer of legal ownership to the borrower until all repayments have been made. ... Such ‘non-conforming’ borrowers include the self-employed and
https://www.rba.gov.au/publications/bulletin/2003/oct/1.html

2020

13 Jul 2022 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2020/

Shadow Bank Lending to the Residential Property Market

15 Sep 2017 Bulletin – September 2017
Michael Gishkariany, David Norman and Tom Rosewall
Shadow bank lending can play an important role in the economy, but on a large enough scale it could damage financial system resilience. Domestic banks have tightened standards for lending to the residential property market over recent years,
https://www.rba.gov.au/publications/bulletin/2017/sep/6.html

2021

13 Jul 2022 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2021/

The Reserve Bank's Collateral Framework

7 Dec 2017 Bulletin – December 2017
Yasaman Naghiloo and David Olivan
The Reserve Bank, like other central banks, holds collateral to reduce the risk of financial loss in its domestic market operations. The Reserve Bank's collateral framework sets out how the diverse portfolio of collateral assets is managed and
https://www.rba.gov.au/publications/bulletin/2017/dec/2.html

Foreign Exchange Exposures of Australian Banks

10 Aug 2000 Bulletin – August 2000
This involves the following steps:. the borrower agrees to pay interest on an $A principal at BBSW. ... The borrower will meet its obligations under the swap using cash flows generated by the $A assets.
https://www.rba.gov.au/publications/bulletin/2000/aug/2.html

Innovations in the Provision of Finance for Investor Housing

10 Dec 2002 Bulletin – December 2002
They include:. non-conforming loans: These loans are provided by specialist mortgage originators to borrowers who do not meet the banks' standard lending criteria. ... As such they reduce the need for borrowers to maintain precautionary savings in
https://www.rba.gov.au/publications/bulletin/2002/dec/1.html

The Household Cash Flow Channel of Monetary Policy

15 Sep 2016 Bulletin – September 2016
Helen Hughson, Gianni La Cava, Paul Ryan and Penelope Smith
Changes in interest rates can affect household spending by directly affecting households' interest income and payments and, in turn, the amount of cash that households have available to spend. This is typically referred to as the ‘household cash
https://www.rba.gov.au/publications/bulletin/2016/sep/3.html