By guest contributor Ken Atchison, CEO, Atchison Consultants APRA is restraining the growth of business activity in Australia through credit restraint. The latest set of data released as at July 2019 shows Australian private credit to be growing at a very slow rate. Chart 1: Credit Growth Slow lending growth is a consequence of APRA policy in recent years. The implementation of counter-cyclical capital buffers for Authorised Deposit-taking Institutions (ADIs),...