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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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Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates

14 Aug 2015 Submissions PDF 905KB
borrower defaults. As a consequence, some credit card debt may be written-off directly to an issuing. ... for some account holders and higher rates for others, for example borrowers who have tended to be.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf

Submission to the Inquiry into Home Ownership - June 2015

15 Jul 2015 Submissions PDF 4844KB
Submission to the Inquiry into Home Ownership
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/pdf/inquiry-into-home-ownership.pdf

Appendix A: Trends in the Australian Financial System | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…

6 Sep 1996 Submissions
With interest rate controls in place, bank loans were rationed and available only to the most creditworthy of borrowers. ... There has been considerable debate as to whether these and other expected benefits of financial deregulation have been realised,
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-a.html

Notes on Bank Fees on Small Businesses – November 1999 | Bank Fees and Margins | Submissions

25 Nov 1999 Submissions
Notes on Bank Fees on Small Businesses – November 1999
https://www.rba.gov.au/publications/submissions/financial-sector/notes-on-bank-fees-on-small-businesses/

Appendix C: Should Bank Supervision Be Carried Out by the Central Bank or by a Separate Authority? | Submission to the Financial System…

6 Sep 1996 Submissions
Third, if such loans are to be made, the central bank needs to have regulatory oversight of potential borrowers to reduce moral hazard problems and to ensure that borrowers are financially ... necessary liquidity through the discount window, although the
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-c.html

Competition in Banking | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector | Submissions

1 Jan 1991 Submissions
Nor do the lower average margins in the second half of the 1980s mean that all depositors and borrowers have benefited equally. ... a reduction in the previous incentive to lend only to the lowest-risk borrowers after interest rate ceilings were removed;.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/competition-in-banking.html

Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions

1 Jun 2015 Submissions
probably had the effect of advantaging higher-income earners (lower-risk borrowers), who are often older. ... Graph 17. Footnote. Mortgages in Australia with an original LVR above 80 per cent typically require lenders mortgage insurance (LMI), which is
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html

Evolution of the Banking System | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector |…

1 Jan 1991 Submissions
There was widespread acceptance in the community that bank credit was difficult to come by, for all but the safest borrowers. ... If, however, all loans have to be made at the same interest rate, logic dictates that the bank allocate its funds to the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/evolution-of-the-banking-system.html

Senate Economics References Committee Inquiry into Competition within the Australian Banking Sector

6 Dec 2010 Submissions PDF 261KB
Inquiry into Competition within the Australian Banking Sector
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/pdf/inquiry-competition-within-australian-banking-sector-2010.pdf

Competition in the Australian Financial System - March 2018

21 Mar 2018 Submissions PDF 503KB
Supplementary Submission to the Productivity Commission Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system-2018-03/pdf/supplementary-submission-to-productivity-commission-march-2018.pdf