Dr Claire Matthews: Head of Massey University's Finance school on the Reserve Bank's proposed changes to capital lending - Heather du Plessis-Allan Drive

A banking expert believes changes to capital requirements would impact home loans and other lending.

The Reserve Bank's seeking feedback on proposals to lower the requirements.

The Government is concerned the current settings are inhibiting economic growth. 

Head of Massey University's Finance school, Dr Claire Matthews, says a lot of people have said the bank's gone too far with those requirements.

"It's just taken the Government intervention to actually force them to have another look at it." 

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