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A jövedelemarányos törlesztésű diákhitel egyszerű modellje
[A simple model of student credit with repayments proportionate to income]

Author

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  • Berlinger, Edina

Abstract

A szakirodalom mindeddig elhanyagolta a diákhitelrendszerek pénzügyi kezelésének tárgyalását. Különösen igaz ez a megállapítás a jövedelemarányos törlesztésű diákhitelrendszerekre, hiszen maga a konstrukció is csak néhány évtizedes múltra tekint vissza. Megfelelő kockázatkezelési gyakorlat híján a felmerülő pénzügyi problémák legtöbbször állami konszolidációhoz vezetnek, ami valószínűleg a legdrágább és a legkevésbé méltányos megoldás. A tanulmány a jövedelemarányos törlesztésen alapuló konstrukció alapvető összefüggéseit mutatja be egy egyszerű modell segítségével, amelyben minden jövőbeli paraméter bizonytalanság nélkül előre ismert. A magyar diákhitelrendszerre jellemző paraméterek behelyettesítésével képet kapunk a várható törlesztési időről és a tartozási pályák alakjáról. Erre épülhet később az aggregált hitelállomány modellezése és a kockázati tényezők részletes számbavétele és elemzése.* Journal of Economic Literature (JEL) kód: I22.

Suggested Citation

  • Berlinger, Edina, 2002. "A jövedelemarányos törlesztésű diákhitel egyszerű modellje [A simple model of student credit with repayments proportionate to income]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(12), pages 1042-1062.
    • Handle: RePEc:ksa:szemle:578
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    References listed on IDEAS

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    Cited by:

    1. repec:cbh:journl:v:14:y:2015:i:1:p:56-78 is not listed on IDEAS
    2. Máté Vona, 2015. "International Trends in Student Lending," Financial and Economic Review, Magyar Nemzeti Bank (Central Bank of Hungary), vol. 14(1), pages 56-78.
    3. Majer, Balázs, 2003. "Az EU-országok hallgatótámogatási rendszerei. Szempontok a magyar gyakorlat átalakításához [Student-support systems in EU countries - criteria for changing Hungarian practice]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 671-690.

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    JEL classification:

    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid

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