IDEAS home Printed from https://ideas.repec.org/a/ksa/szemle/578.html
   My bibliography  Save this article

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

Author

Listed:
  • 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
    as

    Download full text from publisher

    File URL: http://www.kszemle.hu/tartalom/letoltes.php?id=578
    Download Restriction: Registration and subscription. 3-month embargo period to non-subscribers.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Feldman, Roger, 1976. "Some More Problems with Income-contingent Loans: The Case of Medical Education," Journal of Political Economy, University of Chicago Press, vol. 84(6), pages 1305-1311, December.
    2. Barr, Nicholas, 1998. "Higher education in Australia and Britain : what lessons?," LSE Research Online Documents on Economics 285, London School of Economics and Political Science, LSE Library.
    3. Aaron S. Edlin, 1993. "Is College Financial Aid Equitable and Efficient?," Journal of Economic Perspectives, American Economic Association, vol. 7(2), pages 143-158, Spring.
    4. Kane, Thomas J., 1997. "Beyond Tax Relief: Long-Term Challenges in Financing Higher Education," National Tax Journal, National Tax Association;National Tax Journal, vol. 50(2), pages 335-349, June.
    5. Franco Modigliani, 1976. "Some Economic Implications of the Indexing of Financial Assets with Special Reference to Mortgages," Palgrave Macmillan Books, in: Mario Monti (ed.), The ‘New Inflation’ and Monetary Policy, chapter 3, pages 90-141, Palgrave Macmillan.
    6. Martos, Béla & Augusztinovics, Mária, 1995. "Számítások és következtetések nyugdíjreformra [The reform of the pension system: computations and conclusions]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(11), pages 993-1023.
    7. Kane, Thomas J., 1997. "Beyond Tax Relief: Long-Term Challenges in Financing Higher Education," National Tax Journal, National Tax Association, vol. 50(2), pages 335-49, June.
    8. Nicholas Barr & Iain Crawford, 1998. "Funding Higher Education in an Age of Expansion," Education Economics, Taylor & Francis Journals, vol. 6(1), pages 45-70.
    9. Chapman, Bruce, 1997. "Conceptual Issues and the Australian Experience with Income Contingent Charges for Higher Education," Economic Journal, Royal Economic Society, vol. 107(442), pages 738-751, May.
    10. Nicholas Barr, 1998. "Higher Education in Australia and Britain: What Lessons?," Australian Economic Review, The University of Melbourne, Melbourne Institute of Applied Economic and Social Research, vol. 31(2), pages 179-188, June.
    11. Bruce J. Chapman & Ann Harding, 1993. "Australian Student Loans," Australian Economic Review, The University of Melbourne, Melbourne Institute of Applied Economic and Social Research, vol. 26(1), pages 61-75, January.
    12. Suresh Jain & Harvey M. Wagner, 1975. "Comparative Analysis of Income Contingent Plans," Discussion Papers 134, Northwestern University, Center for Mathematical Studies in Economics and Management Science.
    13. Chapman, B.J., 1988. "An Economic Analysis of the Higher Education Contribution Scheme of the Wran Report," Economic Analysis and Policy, Elsevier, vol. 18(2), pages 171-188.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    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.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Bas Jacobs, 2002. "An investigation of education finance reform; graduate taxes and income contingent loans in the Netherlands," CPB Discussion Paper 9, CPB Netherlands Bureau for Economic Policy Analysis.
    2. Bas Jacobs, 2002. "An investigation of education finance reform; graduate taxes and income contingent loans in the Netherlands," CPB Discussion Paper 9.rdf, CPB Netherlands Bureau for Economic Policy Analysis.
    3. Kane, Thomas J., 1998. "Savings Incentives for Higher Education," National Tax Journal, National Tax Association;National Tax Journal, vol. 51(3), pages 609-620, September.
    4. Caroline M. Hoxby, 1998. "Tax Incentives for Higher Education," NBER Chapters, in: Tax Policy and the Economy, Volume 12, pages 49-82, National Bureau of Economic Research, Inc.
    5. Rajeev Darolia, 2015. "Income-Tested College Financial Aid and Labor Disincentives," Upjohn Working Papers 15-248, W.E. Upjohn Institute for Employment Research.
    6. Nancy Vandycke, 2001. "Access to Education for the Poor in Europe and Central Asia : Preliminary Evidence and Policy Implications," World Bank Publications - Books, The World Bank Group, number 13974.
    7. Bernhard Eckwert & Itzhak Zilcha, 2012. "Private Investment in Higher Education: Comparing Alternative Funding Schemes," Economica, London School of Economics and Political Science, vol. 79(313), pages 76-96, January.
    8. George B. Bulman & Caroline M. Hoxby, 2015. "The Returns to the Federal Tax Credits for Higher Education," Tax Policy and the Economy, University of Chicago Press, vol. 29(1), pages 13-88.
    9. José Delfino, 2004. "Educación superior gratuita y equidad," Revista de Economía y Estadística, Universidad Nacional de Córdoba, Facultad de Ciencias Económicas, Instituto de Economía y Finanzas, vol. 42(1), pages 141-160, Junio.
    10. Bridget T. Long, 2004. "The Impact of Federal Tax Credits for Higher Education Expenses," NBER Chapters, in: College Choices: The Economics of Where to Go, When to Go, and How to Pay For It, pages 101-168, National Bureau of Economic Research, Inc.
    11. Chapman, Bruce, 2006. "Income Contingent Loans for Higher Education: International Reforms," Handbook of the Economics of Education, in: Erik Hanushek & F. Welch (ed.), Handbook of the Economics of Education, edition 1, volume 2, chapter 25, pages 1435-1503, Elsevier.
    12. Arbel, Yuval & Bar-El, Ronen & Tobol, Yossef, 2017. "Equal Opportunity through Higher Education: Theory and Evidence on Privilege and Ability," IZA Discussion Papers 10564, Institute of Labor Economics (IZA).
    13. Darragh Flannery & Cathal O’Donoghue, 2011. "The Life-cycle Impact of Alternative Higher Education Finance Systems in Ireland," The Economic and Social Review, Economic and Social Studies, vol. 42(3), pages 237-270.
    14. Michael S. McPherson & Morton Owen Schapiro, 1997. "Financing Undergraduate Education: Designing National Policy," Williams Project on the Economics of Higher Education DP-43, Department of Economics, Williams College.
    15. Kane, Thomas J., 1998. "Savings Incentives for Higher Education," National Tax Journal, National Tax Association, vol. 51(n. 3), pages 609-20, September.
    16. Edina Berlinger & György Walter, 2016. "Income Contingent Repayments How Can We Get into a Debt Trap?," Central European Business Review, Prague University of Economics and Business, vol. 2016(2), pages 37-46.
    17. Bernhard Eckwert & Itzhak Zilcha, 2014. "Higher Education: Subsidizing Tuition versus Subsidizing Student Loans," Journal of Public Economic Theory, Association for Public Economic Theory, vol. 16(6), pages 835-853, December.
    18. Berlinger, Edina, 2005. "A nyugdíjrendszer és a diákhitelrendszer összekapcsolása [Connecting the pension and student-loan systems]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(9), pages 631-647.
    19. Barr, Nicholas & Crawford, Iain, 1998. "The Dearing Report and the government's response : a critique," LSE Research Online Documents on Economics 283, London School of Economics and Political Science, LSE Library.
    20. repec:lan:wpaper:4538 is not listed on IDEAS
    21. repec:lan:wpaper:4842 is not listed on IDEAS
    22. David Greenaway & Michelle Haynes, 2003. "Funding Higher Education in The UK: The Role of Fees and Loans," Economic Journal, Royal Economic Society, vol. 113(485), pages 150-166, February.

    More about this item

    JEL classification:

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

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ksa:szemle:578. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Odon Sok (email available below). General contact details of provider: http://www.kszemle.hu .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.