海市蜃楼 发表于 2025-3-21 19:22:53

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Texture 发表于 2025-3-22 00:16:01

Remarks on Income Contingent Loans: How Effective can they be at Mitigating Risk? The amount the individual repays is dependent on his or her income. While it seems natural to link ICL with investments that increase the value of human capital — most notably education — there is no necessary reason to limit it to such investments.

虚弱的神经 发表于 2025-3-22 01:43:41

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menopause 发表于 2025-3-22 07:49:50

Why Don’t We Just Give Them the Money? Financing Living Expenses of Students in Germanythe administrative costs of collecting the debt are sufficiently high. We further demonstrate that the current scheme would either entail very high repayment burdens or very long repayment durations in the absence of loan subsidies and explain why an ICL may be viewed as a reasonable alternative to the current student loan scheme.

ARK 发表于 2025-3-22 09:26:16

Elderly Support Policies as Resource Contingent Loansre two policy paradigms that fit the pattern of an RCL. The emphasis on age-related programs is deliberate — demographic change implies increasing public expenditure relative to GDP, and policy designs which work to contain these outlays will become increasingly important as populations age.

省略 发表于 2025-3-22 16:17:09

Introduction and Summary Loans (ExCEL) Act) under bi-partisan consideration in the US Congress which, if passed, would have the effect of introducing a broadly-based ICL. It is generally agreed that ICL policies for higher education financing have worked effectively from the perspective of equity and efficiency, and from a transactional perspective.

发表于 2025-3-22 20:36:31

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按等级 发表于 2025-3-22 23:53:33

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令人作呕 发表于 2025-3-23 04:47:10

Income Contingent Loans and Higher Education Financing: Theory and Practicehe two approaches. The third section discusses the ill-effects of blanket interest subsidies and provides brief assessments of reforms of higher education finance in the UK, New Zealand and Hungary, all of which have income contingent systems. A concluding section briefly outlines unanswered theoretical questions about the design of student loans.

诱骗 发表于 2025-3-23 06:56:14

Improving Paid Parental Leave through Income Contingent Loanst low (if not zero) provided scheme design mitigates against adverse selection and moral hazard. It is further argued that an appropriately designed scheme could be welfare enhancing to parents even in the absence of taxpayer subsidies.
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查看完整版本: Titlebook: Income Contingent Loans; Theory, Practice and Bruce Chapman,Timothy Higgins,Joseph E. Stiglitz Book 2014 Palgrave Macmillan, a division of