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Income contingent loans :theory, practice and prospects /

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Income contingent loans :edited by Bruce Chapman, Timothy Higgins, and Joseph E. Stiglitz.
其他題名:	theory, practice and prospects /
其他作者:	Chapman, Bruce,
面頁冊數:	1 online resource.
標題:	Income-contingent loans.
電子資源:	http://www.palgraveconnect.com/doifinder/10.1057/9781137413208
ISBN:	1137413204 (electronic bk.)

Income contingent loans :theory, practice and prospects /
Income contingent loans :theory, practice and prospects /edited by Bruce Chapman, Timothy Higgins, and Joseph E. Stiglitz. - 1 online resource. - International economic association. - International Economic Association publications..

1 Income Contingent Loans as Risk Management: Background; Bruce Chapman -- PART I TOWARDS A THEORY FOR INCOME CONTINGENT LOANS -- 2 Remarks on Income Contingent Loans: How Effective Can They be Mitigating Risk?; Joseph Stiglitz -- 3 Income Contingent Loans as a Risk Management Device; John Quiggin -- 4 Income Contingent Loans: Toward a Piecewise Linear Scheme; Ngo Van Long -- PART II PRACTICE IN HIGHER EDUCATION -- 5 Income Contingent Loans and Higher Education Financing: Theory and Practice; Nicholas Barr -- 6 The Challenge of Sustaining Student Loans Systems: Lessons from Chile and Colombia; Jamil Salmi -- 7 The Implications of Graduate Labor Market Performance in Designing a Student Loan Scheme for Malaysia; Lim Hock-Eam, Russayani Ismail and Yusnidah Ibrahim -- 8 Modeling Aggregate Loans Recovery of the Student Loans Fund in Thailand; Kiatanantha Lounkaew -- 9 Why don't we just give them the Money? Financing Living Expenses of Students in Germany; Barbara Grave and Mathias Sinning -- PART III PROSPECTS BEYOND HIGHER EDUCATION -- 10 Improving Paid Parental Leave through Income Contingent Loans; Timothy Higgins -- 11 Internationalisation of ICLs to Deal with Human Capital Trade Imbalances; Philip Clarke and Bruce Chapman -- 12 The Role of Contingent Loans in Providing Equitable Access to Legal Aid; Richard Denniss -- 13 Income Contingent Loans for Business Innovation; Glenn Withers and Nitin Gupta -- 14 Using Income Contingent Loans to Pay for Health Care; Rhema Vaithianathan -- 15 Elderly Support Policies as Resource Contingent Loans; Rafal Chomik and John Piggott -- 16 Income Contingent Loans for the Unemployed: A Prelude to a General Theory of the Efficient Provision of Social Insurance; Joseph Stiglitz and Jungyoll Yun -- PART IV COMMENTARY -- 17 Overemphasized Costs and Underemphasized Benefits of Income Contingent Financing; Miguel Palacios -- 18 Aid Programs for Higher Education; Jungyoll Yun -- 19 Income Contingent Loans for Higher Education and Beyond; Maria Racionero -- 20 Why don't we see more use of Income Contingent Loans?; John Quiggin -- 21 Future Directions for Income Contingent Loan Theory; Glenn Withers -- 22 Utilising the Low Transaction Costs of Contingent Loans - A General Framework for Policy Application; Richard Denniss.

As an income contingent loans bill is considered by the US Congress, income contingent loans (ICL) have risen to the forefront of economic discourse. ICLs are collected through the income taxation system and are repaid only when future incomes exceed a specified level. ICLs were first introduced in Australia in 1989 to help college students finance their tuition costs, and since then many countries have followed this policy approach. Bruce Chapman, Timothy Higgins and Joseph E. Stiglitz along with a host of internationally recognised experts who have been instrumental in impacting national policy in this field, explore the theory of ICLs, and the prospect of applying the basic principles to many other potential areas of social and economic policy such as paid parental leave; recompensing poor countries for skilled migrant emigration; legal aid for civil disputes; business innovation for small and medium enterprises; out-of-pocket health care expenditure needs; and for periods of unemployment. The text describes an alternative approach to ICLs, which takes the form of human capital contracts or graduate taxes, as well as examining hybrid schemes that combine the attractive aspects of both arrangements. Case studies are used to examine the prospects for ICLs for higher education in Malaysia, Germany, Thailand, Chile and Colombia, and there is discussion of the barriers for adoption of ICLs in countries that lack efficient institutions for debt collection. A key message from the contributions is that in countries with appropriate institutions for taxation administration, there are considerable transactional efficiencies associated with ICLs. These efficiencies, combined with the improvements in risk and incentives that well-designed ICL programs can provide, suggest that such programs can play an important role in a modern welfare state.

ISBN: 1137413204 (electronic bk.)

Source: 758836Palgrave Macmillanhttp://www.palgraveconnect.comSubjects--Topical Terms:

688797
Income-contingent loans.
Index Terms--Genre/Form:

214472
Electronic books.

LC Class. No.: HG3703

Dewey Class. No.: 332.7/43

Income contingent loans :theory, practice and prospects /
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505 0 $a 1 Income Contingent Loans as Risk Management: Background; Bruce Chapman -- PART I TOWARDS A THEORY FOR INCOME CONTINGENT LOANS -- 2 Remarks on Income Contingent Loans: How Effective Can They be Mitigating Risk?; Joseph Stiglitz -- 3 Income Contingent Loans as a Risk Management Device; John Quiggin -- 4 Income Contingent Loans: Toward a Piecewise Linear Scheme; Ngo Van Long -- PART II PRACTICE IN HIGHER EDUCATION -- 5 Income Contingent Loans and Higher Education Financing: Theory and Practice; Nicholas Barr -- 6 The Challenge of Sustaining Student Loans Systems: Lessons from Chile and Colombia; Jamil Salmi -- 7 The Implications of Graduate Labor Market Performance in Designing a Student Loan Scheme for Malaysia; Lim Hock-Eam, Russayani Ismail and Yusnidah Ibrahim -- 8 Modeling Aggregate Loans Recovery of the Student Loans Fund in Thailand; Kiatanantha Lounkaew -- 9 Why don't we just give them the Money? Financing Living Expenses of Students in Germany; Barbara Grave and Mathias Sinning -- PART III PROSPECTS BEYOND HIGHER EDUCATION -- 10 Improving Paid Parental Leave through Income Contingent Loans; Timothy Higgins -- 11 Internationalisation of ICLs to Deal with Human Capital Trade Imbalances; Philip Clarke and Bruce Chapman -- 12 The Role of Contingent Loans in Providing Equitable Access to Legal Aid; Richard Denniss -- 13 Income Contingent Loans for Business Innovation; Glenn Withers and Nitin Gupta -- 14 Using Income Contingent Loans to Pay for Health Care; Rhema Vaithianathan -- 15 Elderly Support Policies as Resource Contingent Loans; Rafal Chomik and John Piggott -- 16 Income Contingent Loans for the Unemployed: A Prelude to a General Theory of the Efficient Provision of Social Insurance; Joseph Stiglitz and Jungyoll Yun -- PART IV COMMENTARY -- 17 Overemphasized Costs and Underemphasized Benefits of Income Contingent Financing; Miguel Palacios -- 18 Aid Programs for Higher Education; Jungyoll Yun -- 19 Income Contingent Loans for Higher Education and Beyond; Maria Racionero -- 20 Why don't we see more use of Income Contingent Loans?; John Quiggin -- 21 Future Directions for Income Contingent Loan Theory; Glenn Withers -- 22 Utilising the Low Transaction Costs of Contingent Loans - A General Framework for Policy Application; Richard Denniss.
520 $a As an income contingent loans bill is considered by the US Congress, income contingent loans (ICL) have risen to the forefront of economic discourse. ICLs are collected through the income taxation system and are repaid only when future incomes exceed a specified level. ICLs were first introduced in Australia in 1989 to help college students finance their tuition costs, and since then many countries have followed this policy approach. Bruce Chapman, Timothy Higgins and Joseph E. Stiglitz along with a host of internationally recognised experts who have been instrumental in impacting national policy in this field, explore the theory of ICLs, and the prospect of applying the basic principles to many other potential areas of social and economic policy such as paid parental leave; recompensing poor countries for skilled migrant emigration; legal aid for civil disputes; business innovation for small and medium enterprises; out-of-pocket health care expenditure needs; and for periods of unemployment. The text describes an alternative approach to ICLs, which takes the form of human capital contracts or graduate taxes, as well as examining hybrid schemes that combine the attractive aspects of both arrangements. Case studies are used to examine the prospects for ICLs for higher education in Malaysia, Germany, Thailand, Chile and Colombia, and there is discussion of the barriers for adoption of ICLs in countries that lack efficient institutions for debt collection. A key message from the contributions is that in countries with appropriate institutions for taxation administration, there are considerable transactional efficiencies associated with ICLs. These efficiencies, combined with the improvements in risk and incentives that well-designed ICL programs can provide, suggest that such programs can play an important role in a modern welfare state.
588 $a Description based on publisher supplied information; title not viewed.
650 0 $a Income-contingent loans. $3 688797
655 7 $a Electronic books. $2 local. $3 214472
700 1 $a Chapman, Bruce, $e editor. $3 688794
700 1 $a Higgins, Timothy, $e editor. $3 688795
700 1 $a Stiglitz, Joseph E., $e editor of compilation. $3 686916
710 2 $a Palgrave Connect (Online service) $3 459825
830 0 $a International Economic Association publications. $3 688796
856 4 0 $3 Palgrave Connect $u http://www.palgraveconnect.com/doifinder/10.1057/9781137413208