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RBA Glossary definition for business cycle

business cycle – The period between peaks or troughs of macroeconomic activity.

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Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
6.3.4 Large business lending. Large businesses tend to have access to a range of financing options, which may aid price competition for loans. ... 6.3.6 Small business lending. Small businesses tend to have access to fewer sources of financing than large
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html

Competition in the Payments System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
Despite these positive developments, there are some challenges. Some fintech firms have suggested that access to banking services is difficult where the firm's business model relates to payments. ... An investment in cooperative infrastructure might not
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/competition-in-the-payments-system.html

The Regulatory Response to the Global Financial Crisis | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…

1 Mar 2014 Submissions
short-term, speculative risk-taking by the institution unrelated to client business, as opposed to market-making) and limits their investments in managed funds. ... In addition to a similar ban on proprietary trading, the Liikanen reforms would also
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/regulatory-response-to-the-global-financial-crisis.html

Housing Finance | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector |…

10 Jul 2008 Submissions
It is not, however, unusual for the competitive position of different lenders to vary over the course of the credit cycle. ... At this pricing, new mortgage business financed through the RMBS market is unlikely to be profitable.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/housing-finance.html

Developments and Innovation in the Payments System | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…

1 Mar 2014 Submissions
though only around 3 per cent by value when higher value payments by businesses and government are included). ... Since 1997, consumers and billing businesses have also rapidly adopted BPAY, an electronic bill payment system.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/developments-and-innovation.html

Submissions

8 May 2024 Submissions
Index of Documents commissioned by or prepared for Parliament, its committees, and other public inquiries
https://www.rba.gov.au/publications/submissions/

Financial Sector | Submissions

8 May 2024 Submissions
Index of Documents commissioned by or prepared for Parliament, its committees, and other public inquiries
https://www.rba.gov.au/publications/submissions/financial-sector/

Inquiry into Mobile Payment and Digital Wallet Financial Services – July 2021 | Payments System | Submissions

8 May 2024 Submissions
These differences may have implications for the security of customer information and the business models adopted by mobile wallet providers. ... authentication. Digital wallet providers are generally platform businesses that facilitate interaction
https://www.rba.gov.au/publications/submissions/payments-system/inquiry-into-mobile-payment-and-digital-wallet-financial-services/index.html

Commonwealth of Australia: In the Australian Competition Tribunal – April 2004 | Payments System | Submissions

8 May 2024 Submissions
Acquirers would compete, to the extent they presently do, for the business of merchants wanting to accept debit cards. ... Improving access to the business of acquiring – whether by independent acquirers or by merchants seeking to do their own
https://www.rba.gov.au/publications/submissions/payments-system/au-competition-tribunal/index.html

Submission to the Inquiry into Family Business in Australia – October 2012 | Financial Sector | Submissions

31 Oct 2012 Submissions
Submission to the Inquiry into Family Business in Australia - October 2012
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-family-business-2012.html