TAILIEUCHUNG - The I Can Save Program: School-Based Children’s Saving Accounts for College

This paper analyses the determinants of the probability of default (PD) of bank loans. We focus the discussion on a limited set of determinants (collateral, type of lender and bank-borrower relationship) while controlling for the other explanatory variables such as the macroeconomic environment, characteristics of the borrower (industry and region) and of the loan (instrument, currency, maturity and size). We try to discern if riskier borrowers are asked to pledge more collateral or if, on the other hand, low risk borrowers are those who have collateralised loans1. Banks managed by conservative managers (maybe those of savings banks) might be. | CSD Working Paper The I Can Save Program School-Based Children s Saving Accounts for College Margaret Sherraden Lissa Johnson William Elliott Shirley Porterfield and William Rainford CSD Working Paper 06-02 2006 Center for Social Development WASHINGTON -UNIVERSITY-IN-ST-LOUIS George Warren Brown School of Social Work The I Can Save Program School-Based Children s Saving Accounts for College Margaret Sherraden Professor University of Missouri at St. Louis Research Professor Center for Social Development Washington University Lissa Johnson Project Director Center for Social Development Washington University William Elliott Research Associate Center for Social Development Washington University Shirley Porterfield Associate Professor University of Missouri at St. Louis William Rainford Assistant Professor Boise State University CSD Working Paper 06-02 2006 DRAFT Comments Invited Margaret Sherraden School of Social Work 507 Lucas Hall One University Boulevard St. Louis MO 63121 Sherraden@ Submitted for review to Children and Youth Services Review Center for Social Development George Warren Brown School of Social Work Washington University One Brookings Drive Campus Box 1196 St. Louis MO 63130 tel 314-935-7433 fax 314-935-8661 e-mail csd@ http CSD Acknowledgements The authors express their gratitude to the research funders the Center for Social Development University of Missouri Research Board and the National Council for Economic Education and the coalition of foundations that support the Saving for Education Entrepreneurship and Downpayment SEED projects including the Ford Foundation Charles Steward Mott Foundation MetLife Foundation Charles and Helen Schwab Foundation Jim Casey Youth Opportunity Initiative Citigroup Foundation Ewing Marion Kauffman Foundation Richard and Rhoda Goldman Fund Evelyn and Walter Haas Jr. Fund and the Edwin Gould Foundation for Children. Victoria Gonzalez-Rubio the school principal and Christopher .

• Ngân hàng - Tín dụng
• Autothermal Thermophilic
• Aerobic Digestion
• Agro Industrial Wastes
• olid State
• Fermentation Processes
• Pozzolanic Materials