A Financial Plot to Reduce the Burden of Medical School Tuition Fees

Tuition fees for medical school are continuously and riotously increasing. This upsurge is amassing debts on the backs of students. In the class of 2018, 75% finished medical school with an outstanding balance of $196,520, on average—a $5826 increase from 2017. Tuition fees differ in terms of the ownership of the medical school (public vs. private) and according to the medical student residence status (in-state or out-of-state). It is critical that students arrange a long-term budget that shows them where they stand: in surplus or in deficit. Students may classify expenditures into two groups: “fixed” and “variable,” where they can manipulate the variable expenses to fit into their budget. To pay for their tuition, medical students have four possibilities: cash, scholarships and grants, service-obligation scholarships, and loans. Loans are the most common alternatives, and so there are Traditional Repayment Plans and Income-Driven Repayment Plans. This article serves to provide medical students with attainable alternatives for funding their education and for repaying their debts.     

Numerical ability predicts mortgage default

Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one’s mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage.     

利用外国政府贷款医疗项目操作程序及需要注意的问题

综合了申请利用外国政府贷款医疗项目所涉及的部门、政策规定、申请程序、工作要求等,并按照实际工作中的大体操作顺序作了较为具体的介绍。     

Student loan debt does not predict choosing a primary care specialty for U.S. women physicians

OBJECTIVE: There has never been a conclusive test of whether there is a relation between ultimately choosing to be a primary care physician and one's amount of student loan debt at medical school graduation. DESIGN/SETTING/PARTICIPANTS: To test this question, we examined data from the Women Physicians' Health Study, a large, nationally representative, questionnaire-based study of 4,501 U.S. women physicians. MEASUREMENTS AND MAIN RESULTS: We found that the youngest physicians were more than five times as likely as the oldest to have had some student loan debt and far more likely to have had high debt levels (p <.0001). However, younger women physicians were also more likely to choose a primary care specialty (p <.002). There was no relation between being a primary care physician and amount of indebtedness (p =.77); this was true even when the results were adjusted for the physicians' decade of graduation and ethnicity (p =.79). CONCLUSIONS: Although there may be other reasons for reducing student loan debt, at least among U.S. women physicians, encouraging primary care as a specialty choice may not be a reason for doing so.     

高校在国家助学贷款中的信用中介角色探析

高校在国家助学贷款这一信用贷款中主要是作为组织者和引导者,相对于银行是组织者,相对于学生来说是引导者,其实质上起的是一种信用中介的作用。本文从国家助学贷款与学生信用的关系入手,从制度视野及信用文化建设两个层面探讨了高校的信用中介角色。     

医院如何使用好短期贷款问题的探讨

文章分析了短期银行贷款比中期银行贷款在资金使用成本上的优势,提出了短款长用的思想,并以图文的方式阐明了具体操作过程.     

图书馆馆藏借阅与网络口碑关系实证研究

以中国石油大学（华东）图书馆馆藏中2016年出版的图书为样本,获取图书馆借阅数据和当当网销售口碑数据,通过统计涉及变量的相关关系建立线性回归分析模型,发现网络口碑数据中的总评论数与图书借阅量存在显著的正向相关,为图书馆图书采访和馆藏结构优化提供参考。     

骗取贷款罪与高利转贷罪?贷款诈骗罪之适用关系论

2006年颁布的《刑法修正案(六)》设立了骗取贷款罪,为我国进一步打击滥用贷款的行为提供了立法依据?这一罪名的增设改变了以往我国对于滥用贷款着重从贷款目的进行单一规制的局面,确立了贷款目的和贷款手段的双重规制的立法模式?这一改变必然给司法实践带来诸多的影响,要适应这一立法模式其关键在于如何正确理解骗取贷款罪?高利转贷罪和贷款诈骗罪三罪的特点及相互间的关系?     

In Sickness and in Debt: Do Mounting Medical Bills Predict Payday Loan Debt?

Cash-strapped families sometimes turn to small, short-term loans with exorbitant fees—payday loans—to cope with mounting medical bills. Given that about three-fourths of payday loan customers are repeat borrowers, consumer advocates and policymakers have increasingly raised voices of concern about the use of payday loans to finance various household expenses, including, among other things, medical bills. The present study hypothesized that increases in medical debt are associated with increases in payday loan debt among a sample of Chapter 7 bankruptcy filers. The results of a multivariate tobit regression analysis showed that medical debt was associated with increased payday loan debt, controlling for various types of debt and other socioeconomic variables. This article concludes with implications of the results for social work policy- and direct-practice.     

临沂市世行贷款结核病控制项目社会与经济效益的评价

目的 分析10年世界银行贷款结核病控制项目实施的成本-效益。方法 通过对1992～2001年世界银行贷款额度、地方配套经费使用与病人发现、治疗情况进行分析。结果 10年项目实施期间，共利用世行贷款551．87万元人民币，地方配套经费775．74万元，治愈涂阳肺结核病人21440例，平均每例病人治疗费用619元。结论 临沂市10年世界银行贷款结核病控制项目，取得了显著成效，使24～36万健康人群免受结核菌感染，减少发病1．2～1．8万人，为病人节约治疗费用累计约4000万元，治愈病人创造经济效益达6亿元，为目前实施的卫生项目中成本-效益最好的疾病控制项目。