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001-es BibID:BIBFORM059949
Első szerző:Vona Máté (közgazdász)
Cím:Risks of Student Loan Systems / Máté Vona
Megjegyzések:Human capital investment is among the investments with the best returns. As the economy move towards to the idea of knowledge-based economy higher education is a crucial criterion for labour market success. The European Union in fact set out as a goal to raise the ratio of the degree holders for the young generation in its Europe 2020 program. On the other hand higher education is a very expensive and long-term investment. Public financing will be less and less able to cover the related costs. For these and for incentive reasons privet financing have to be involved with growing importance. However young adults and their parents' financial endowments are diverse. Students lending is a huge market in the United States, but also in Europe it becomes more regular. There is a vast literate about the various systems developed around the world for this financial problem, but the related risk on the borrowers' side is less covered. This paper contributes to the following issues: How can be risk understood related to lending to students? How can these risks vary between different types of systems? How can be default evaluated if the main lender is the state? These questions are important because human capital investments are not necessarily done for financial returns, and it makes difficult to understand risk. This paper will conclude that theoretically and practically well-developed financial risk measure can give us the answer. It will be shown how some financial measures can be understood in this type of investment environment. Proper measurement and possibilities of quantification will be laid out as further research areas.
Tárgyszavak:Társadalomtudományok Gazdálkodás- és szervezéstudományok tanulmány, értekezés
Student Loan
Megjelenés:Economics Questions, Issues and Problems / ed. János Tibor Karlovitz. - p. 187-194. -
Internet cím:Intézményi repozitóriumban (DEA) tárolt változat
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