Modelación del riesgo de crédito para una caja de compensación familiar

En este trabajo se caracteriza el endeudamiento del sector de las familias con el sistema de crédito de las cajas de compensación familiar durante el periodo de agosto de 2007, y se hallan los determinantes de la probabilidad de que una persona natural incumpla con el pago las obligaciones que ha contraído con esta. A través de un modelo logit multinomial se encontró que la probabilidad de incumplimiento está asociada a características tales como el plazo del crédito, la tasa de interés, el sexo, la antigüedad laboral y la garantía que los individuos puedan aportar como respaldo de los créditos. Las predicciones muestran que la probabilidad de incumplimiento se incrementa a medida que se presentan estas características en los préstamos personales.72 p.Contenido parcial: Basilea II -- El riesgo de crédito según Basilea II -- Superintendencia financiera -- Marco teórico y estado del arte -- Especificación del modelo de respuesta múltiple ordenado -- Probabilidad de incumplimiento a partir de un modelo logit ordenado

The risk of COVID-19 death is much greater and age dependent with type I IFN autoantibodies

International audienceSignificance There is growing evidence that preexisting autoantibodies neutralizing type I interferons (IFNs) are strong determinants of life-threatening COVID-19 pneumonia. It is important to estimate their quantitative impact on COVID-19 mortality upon SARS-CoV-2 infection, by age and sex, as both the prevalence of these autoantibodies and the risk of COVID-19 death increase with age and are higher in men. Using an unvaccinated sample of 1,261 deceased patients and 34,159 individuals from the general population, we found that autoantibodies against type I IFNs strongly increased the SARS-CoV-2 infection fatality rate at all ages, in both men and women. Autoantibodies against type I IFNs are strong and common predictors of life-threatening COVID-19. Testing for these autoantibodies should be considered in the general population

The risk of COVID-19 death is much greater and age dependent with type I IFN autoantibodies

International audienceSignificance There is growing evidence that preexisting autoantibodies neutralizing type I interferons (IFNs) are strong determinants of life-threatening COVID-19 pneumonia. It is important to estimate their quantitative impact on COVID-19 mortality upon SARS-CoV-2 infection, by age and sex, as both the prevalence of these autoantibodies and the risk of COVID-19 death increase with age and are higher in men. Using an unvaccinated sample of 1,261 deceased patients and 34,159 individuals from the general population, we found that autoantibodies against type I IFNs strongly increased the SARS-CoV-2 infection fatality rate at all ages, in both men and women. Autoantibodies against type I IFNs are strong and common predictors of life-threatening COVID-19. Testing for these autoantibodies should be considered in the general population