Trends in the Funding and Lending Behaviour of Australian Banks
This paper describes the Australian banking system, highlighting ways in which it differs from other major banking systems. It draws together themes from previous work conducted at the Reserve Bank of Australia (RBA), and outlines the role the banking system plays in the transmission of monetary policy and the transformation of risk. The paper also discusses some more recent trends, including the increased focus on deposit funding and potential changes in the determination of lending rates due to changes in the pricing of risk. These trends are, in turn, being influenced by changes in the preferences towards, and understanding of, different types of risk by investors, banks' management and regulators.
|Date of creation:||Dec 2013|
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- Daniel Fabbro & Mark Hack, 2011. "The Effects of Funding Costs and Risk on Banks' Lending Rates," RBA Bulletin, Reserve Bank of Australia, pages 35-42, March.
- Hatice Uzun & Elizabeth Webb, 2007. "Securitization and risk: empirical evidence on US banks," Journal of Risk Finance, Emerald Group Publishing, vol. 8(1), pages 11-23, January.
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- Jason Allen & Robert Clark & Jean-François Houde, 2011. "Discounting in Mortgage Markets," Working Papers 11-3, Bank of Canada.
- Isabelle Ynesta, 2008. "Households' wealth composition across OECD countries and financial risks borne by households," OECD Journal: Financial Market Trends, OECD Publishing, vol. 2008(2), pages 1-25.
- Guy Debelle, 2004. "Household debt and the macroeconomy," BIS Quarterly Review, Bank for International Settlements, March.
- Luci Ellis & Dan Andrews, 2001. "City Sizes, Housing Costs, and Wealth," RBA Research Discussion Papers rdp2001-08, Reserve Bank of Australia.
- Luci Ellis, 2006. "Housing and Housing Finance: The View from Australia and Beyond," RBA Research Discussion Papers rdp2006-12, Reserve Bank of Australia.
- Goggin, Jean & Holton, Sarah & Kelly, Jane & Lydon, Reamonn & McQuinn, Kieran, 2012. "Variable Mortgage Rate Pricing in Ireland," Economic Letters 02/EL/12, Central Bank of Ireland.
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