Describe The Requirement For Treating A Client With That Has Anorexia Free Essays

Treatment of dietary problems can be testing. Compelling treatment must address the fundamental passionate and emotional well-being issues, which frequently go back to youth and a person’s self recognition and mental self view. Building solid restorative partnerships with customers is basic. We will compose a custom article test on Depict The Requirement For Treating A Client With That Has Anorexia or on the other hand any comparable point just for you Request Now When working with a customer who presents with a dietary issue it is basic that, as an instructor, you do this related to a clinical specialist and a nutritionist. The initial step when somebody presents with a dietary issue is to demand them getting a clinical from their GP. There are different reasons with respect to why this is significant. Right off the bat, if the customer has a Body Mass Index (BMI) of 17 or less, you can't work with them. This is because of the impacts that an exceptionally low weight can have on one’s mind. Moreover, the requirement for a clinical is significant as somebody who has occupied with the conduct may have experienced genuine wellbeing results and may should be admitted to emergency clinic, or in extraordinary conditions, to a mental ward. It is critical to work with both a specialist and a nutritionist so as you can concentrate on why the customer may have a dietary issue and what looks after it. Different experts at that point, center around issues of weight and expanding this weight, if fundamental. All treatment ought to be custom fitted to the individual and will fluctuate as indicated by both the seriousness of the turmoil and the patients’ singular issues, needs and qualities. Because of the mental circumstances and end results of some dietary problems, talking treatment can assume a significant job in treatment. Intellectual Behavioral Therapy (CBT) is viewed as the treatment of decision for individuals giving dietary issues. CBT is an engaged methodology that empowers an individual with a dietary problem to see how their reasoning and negative self-talkâ and mental self portrait can straightforwardly affect their eating and negative practices. CBT centers around recognizing and modifying useless idea examples, perspectives and convictions which may trigger and propagate the clients’ dietary issue. Nourishing advising and exhortation can assist your customer with identifying their feelings of trepidation about food and the physical results of not eating admirably. The underlying point of treatment is to restore a sound disposition toward food and a steady example of eating. It is an important phase of treatment and should join training about wholesome needs and getting ready for, and observing, reasonable decisions of the individual patient. There are various treatment approaches utilized for those with dietary problems, in which a mix might be advertised. As a guide you should work related to a clinical specialist and nutritionist, so as the best treatment approach can be set up for your customer. Step by step instructions to refer to Describe The Requirement For Treating A Client With That Has Anorexia, Papers

Merapi Eruption And Its Economic Impact Environmental Sciences Essay

Merapi Eruption And Its Economic Impact Environmental Sciences Essay As of late, Indonesia is confronted with numerous cataclysmic event, for example, tidal wave, seismic tremor, and volcanic ejection. These debacles are bound to happen on account of the geographical area of Indonesia which is situated at the edge of the Pacific, Eurasian and Australian structural plates. Just as of late, Indonesia has been made frenzy by Gunung Merapi, which is one of a lot more Indonesias dynamic stratovolcano mountain. This Gunung Merapi is situated between Central Java and Yogyakarta in Indonesia. Gunung Merapi is one of the most dynamic spring of gushing lava in Indonesia. It has likewise emitted normally since the year 1548. To talk about the emission impact of Gunung Merapi unreservedly, this paper will be begun with the presentation and the definition about what is ejection and Gunung Merapi. The conversation of this paper will be then proceeded and rundown all the impacts, casualties, misfortune and harm to people life. This paper records the insights regarding the people in question, ecological impacts, the perilous materials of this ejection, harm and misfortune to numerous segments. The paper will at that point examine about what the administration activity to support the people in question and reestablishes the site that got the weaknesses of this ejection. The end some portion of this paper will be the end of the conversation with the rundown subtleties. Presentation Inside these previous scarcely any years back, there are numerous catastrophic events that occured in Indonesia and the most every now and again that happen is flood. The debacles that frequently occur in Indonesia are flood, seismic tremor, and volcanic ejection, torrent which are bound to happen due to Indonesias topographical area which is situated at the edge of the Pacific, Eurasian and Australian structural plates. Jakarta as the capital town of Indonesia is the spot that flood will destined to happen if there is an overwhelming precipitation with long enough term to fix a flood. The calamity than happen as of late is emission so this article will concentrate on volcanic ejection. 2010 emissions of mount merapi. (2010, December 8). An emission can be an extremely dangerous calamity for people life because of its huge blast of the fountain of liquid magma, fall of the stones and the cinders that can bother people breath and eyes. Indonesia has numerous dynamic volcanic mountain like Gunung Merapi, Gunung Krakatau, Gunung Kelud, Gunung Semeru, Gunung Guntur and numerous others. One of these dynamic mountain which named Gunung Merapi, have done an incredible emission as of late, which is begun at 26 October 2010. This ejection clearly made many negative consequences for people life and condition around that mountain. The instances of the adverse impacts are passing and individuals getting harmed, many house broken, individuals must go out and things and go to the more secure spot. They all vibe entirely hopeless for their misfortune due to this volcanic emission. Merapis ejection additionally influences numerous things like how things going in Keraton Jogja which is the town that this Merapi found. There are such huge numbers of things that get influenced simply because of this Merapis ejection. This article will speak profound about the subtleties for all the consequences for its condition, the harm and misfortune in numerous parts like social and foundation, the effects of economy, development, GDP and GNP and joblessness impacts on account of this ejection. 1.2 The Definition of Eruption Ejection is the wonder of the blasting out of magma to the outside of the earth. Emission can be isolated into two, for example, dangerous ejection and non touchy emission. The kinds of emission is rely upon numerous things; for models, the thickness of magma, the organization of gas inside the magma, the impact of ground water, and magma load. The thickness of magma and the organization of gas inside the magma are relying upon the piece of synthetic of magma. Emission has own component. There are overabundance discharged gasses, when the magma come its approach to surface, and the gas pressure make the spread of volcanic material. The procedure of gas discharged is in some cases followed by an enormous sound of thunder that occasionally permit us to hear the thundering voice as a similar time the volcanic material ejection happens. The procedure of gas pressure isn't need quite a while. The plug openings in the pit by the gas pressure relies upon the pace of gas creation from the magma that make the expanding of the gas weight, and solidarity to withstand the weight of gas hole plug. The all the more remarkable plugs hole, the more noteworthy the level of the solid emission. A quick moving progression of magma that stream down to waterway, at that point spread in the plain at the slopes sight of the fountain of liquid magma zone can cause into the harms on genuine financial and natural. 2010 ejections of mount merapi. (2010, December 8). Gunung Merapi 2010 The monstrous blast of Merapi Mountain occurred on the main date in the period of November 2010. The primary blast happens around 10.03 AM that begun with a little seismic tremor and tumbling down of materials. Not long after that the haze of warmth tagged along from the highest point of Merapi with a stature of 1.5km. In light of the observation from the Monitor room of Merapi Activity in BPPTK Office loated in Jalan Cendana, Jogjakarta, the haze of warmth set out toward the south passage, which is the Gendol River and Woro River with increasing speed of 4km. At 11.30AM, Merapi Mountain detonate once more, making haze of warmth with stature of around 3.5km. This is the second most noteworthy blast for the Friday, November 5, 2010. This is overviewed from Balerante, the gathering of mists and balls intensely dirtied vertically thundering to the sky with the approximated tallness of 3.500meters. Because of the breeze blows from north and east going to the Cendawan Sea, and the haze of warmth is making a beeline for the southeast heading of the delta of Gendol River, there are no further report from BNPTK about this blast. This data is legitimately directed outwardly on Friday ,November 5, 2010. Around 11.35AM portion of the slope and mountain is canvassed in thick and foreboding shadow. The Earthquake itself is profoundly identified due to the seizmograph signal introduced at different observation central command. Residents in the southwest, southeast, south, and west are requested to be careful and arranged. As communicated, the huge blast of Merapi before additionally occurred on Friday this evening. Because of the blast, 55 residents are guaranteed dead up until this very evening. The risky zone are extended from the main 15km up to 20km. Kinds of volcanic emission. (2010, December 6) Survivors of emission Gunung Merapi 2010 This 2010 emission is the most noticeably terrible since 1870. Thirty-two towns has become the people in question and 70000 soul were being recommended to clear since they situated in the peril an area. Those towns comprise of 17 towns in District of Magelang, 4 towns in District of Klaten, 3 towns in District of Boyolali, and 8 towns in District of Sleman. This time Merapi is in basic condition, other than being set apart with the separation of warmth cloud unstable ejection arrives at 11.5 kilometer at Bebeng River and at better place the separation of warmth cloud emission arrives at 11 km at White River, 10 km at Boyong River and 9.5 km at Gendol River. This time the warmth cloud that out from the pinnacle of Merapi has arrived at the stature of in excess of 10 km, the quantity of casualties is 73. Casualties spread in 2 locales, which are 69 casualties at the Daerah Istimewa Yogyakarta and 4 casualties at Center Java. The harmed, consume and rankle casualties have contacted 100 people. This condition depends on November 5, 2010 note. Comparable to Merapis condition that still in hazardous, the legislature is looking for the spare spot for the displaced person. After the subsequent emission, 55 people are recorded dead as of not long ago. The inclined area is being extended from 15 km to 20 km. Kinds of volcanic ejection. (2010, December 6). Natural impacts As we realize that Yogyakarta is a well known city perceived by numerous outside vacationers, Merapi ejection that happened has given a great deal of effect on the development of the travel industry in Yogyakarta. After the ejection of Merapi that happened in Yogyakarta, the degree of trust diminished definitely and it has influenced both remote and local vacationers, particularly in the travel industry segment. In spite of the fact that the ejection of merapi has diminished, the impact of the emission was still heart pounding particularly for the retreats and food corner.â The inn inhabitance rate from both remote and household travelers is around 30-40 percent of it. Besides, fortunately the rate has expanded marginally after the beginning Adisucipto air terminal reopened.â After Adisucipto air terminal was revived, when the inhabitance rate was distinctly around 10-20 percent of it. The inhabitance rate and the normal decrease of vacationers in light of post-ejection of Merapi as well as brought about by the news-media inclusion of security concerns the city of Yogyakarta. So as to reestablish the name of the city of Yogyakarta as a sheltered the travel industry like previously, the travel industry parties in participation with the Ministry of Culture and Tourism and related organizations will hold an assortment of arrangement of occasions. Bataviase.co.id. (2010, December 28). 2.12 Volcanic debris In the mean time, the acclaimed Borobudur sanctuary additionally shut because of the grievous emission, the zone of 185 hectares were totally incapacitated because of volcanic debris that secured the sky. After the incredible emission many trees were removed around the sanctuary and the frontage road prompting the sanctuary was blocked.â And surprisingly more dreadful, the most remarkable ejection makes the sanctuary in basic condition and probably not going to be accessed. Thickness of volcanic debris arrived at 2-4 centimeters. The Jakarta post. ( 2010, December 28). 2.13 Greenhouse impacts in Yogyakarta The temperature in Yogyakarta is truly elevated and hot. Average daytime air heat more than 33 degrees Celsius. This is brought about by the debris which originate from the emission where covers the encompassing territories. The volcanic debris cov

Essay Scholarship - How To Get One

Essay Scholarship - How To Get OneAlthough the majority of students are eligible for scholarships in the university and college, not all of them are able to get a real scholarship. However, you can still apply for a very small essay scholarship. These are available in a lot of venues and the best part is that these essays are not really too long.Essay scholarships come from different venues. Usually, these are made available by the awarding institutions and they are given based on the merits of the essay submitted. As a matter of fact, most of the essay scholarships that are actually provided to the students are free of cost, which gives the scholarship recipients great freedom as they can choose how to use the essay in order to get their course fees paid.Essay scholarships are also easily transferable; therefore, the scholarship recipient can give the essay to a close friend and ask him or her to read it before submitting it. This way, the winner can have an extra boost of motivatio n and improve their grades. The essay may help the student to gain some form of insight into their academic abilities and the target audience will definitely love to read it.In order to qualify for a scholarship, the essay has to be about something other than academics. That means that the essay should be able to make a statement about what kind of person the student is and the problem areas they are facing as a result of their education. A student should try to include a few statistics or examples from their school, the school that they would like to go to and their interests.Some of the awardees of essay scholarships may be students who are experiencing issues with their studies or those who are going through difficulties in their studies. Most of the essay scholarships are meant to encourage people who may be struggling in their studies to solve their problems instead of throwing in the towel. These kinds of essays are typically called self-help essays.There are no specific guide lines on how an essay should be written. However, the general theme of the essay is to highlight a certain event or situation that the writer was faced with during their studies. For example, they may be talking about having bad grades or when they were rejected from a test or essay or even when their course was suspended.Essay scholarships may also be given to the students who are currently working at a particular company. The essay should highlight how well the student has been doing at his job. This will help them obtain a better paying job or it will help them get a promotion within the company if their applications are successful.When applying for a scholarship, the essay should contain the information that is required in order to be awarded the award. These include the student's full name, his address, contact numbers, cell phone numbers and e-mail address. It is also recommended that the applicant provides proof of being a citizen of the United States, so that his application will be considered without any trouble.

Sexism In Snow White - 1217 Words

â€Å"Mirror Mirror on the wall, whos the fairest one of them all.† Snow White was the very first animated film by Disney that is about a young princess. The Evil Queen is jealous and wants to have her killed. Snow White runs into the Seven Dwarfs and stays with them. Disney movies have a lot of controversy and one of them is sexism. Disney movies are good for kids and have role models, but people still say there are negative characteristics that come with the movies. Snow White is full of sexism and it is shown in many different ways. Snow White is constantly seen cleaning, saying and doing ignorant things, and is need of a man who ends up having to save her in the end. Disney princesses and women in general are shown cleaning throughout the†¦show more content†¦Even though she has the animals help her, she still thinks that it is the only way to make the Dwarfs like her. Along with cleaning a lot and being happy about it, Snow White is shown to be ditzy and dumb. Disney women in the films are constantly saying and doing ignorant and naive things. All of the other characters are shown to be above average, smart, and brave, but not the beautiful, female main character. She is naive enough to think that it is okay to trust a random, attractive man who jumped over her wall and started singing to her (00:05:27-00:7:00). A women is swayed by a man singing to her. She does get panicky at first, but after a few bars of love music she instantly falls in love. Another scene in the film, the Queen tells the Huntsmen to take Snow White to a field to â€Å"Pick wildflowers† (00:07:00-00:07:08). This suggest she thinks the princess is naive and ignorant enough to allow a stranger to take her to a field and be distracted by the flowers like a typical princess would. This controversy is also shown in Cinderella when she trusts a random woman who says she can make her pretty and take her to a ball. She decides to believe a woman who claims to be her Go dmother. However, she does work some magic on her, and shows kindness and love for Cinderella. Still, it is not wise to put that must trust into a stranger. Even though Snow Whites voice sounds like a young girls and she makes some unwise choices, she still does logical things. Being scared in aShow MoreRelatedAnalysis Of Disney s Disney 1320 Words   |  6 Pagesbecome obsessed with perfection. Unfortunately, Disney has come under attack for promoting harmful, unrealistic body types and the narrow ideal of marriage as the happiest of endings for young women. For example, Beauty and the Beast, Cinderella, Snow White, and The Little Mermaid each display examples of gender stereotyping and objectification. All three of these movies have similar characteristics and story lines. If you look closely at the classic female characters you will see them in the castRead MoreGender, Race and Disney Princesses Essay examples1041 Words   |  5 Pagescan be easily influenced by what they see and hear†. Therefore, what they see and hear in Disney movies leaves an impression on them. The first princess, Snow White, was created in a time where each gender and race had a specific role in society. Recently, many believe that Disney has come a long way in regards to gender and race since Snow White, as several multi-cultural protagonists have been introduced subsequently, and gender roles do not appear to be as stereotypical as they once were. HoweverRead MoreThe Success Of The Multi Million Dollar Disney Corporation Essay1395 Words   |  6 Pagesaimed at a younger audience, still in their early cognitive development stage. At this age, children are carefully noting what goes on around them, gaining knowledge of how society and the wider world works. (Hibbeler, B 2009) Since heavy topics of sexism and gender roles are not likely discussed with one’s parents at this age and stage, Disney films are one of the earliest transmitters of these kind of messages. Behin d a mask of innocence, early Disney Princess films promote corrupt expectations onRead MoreDisney Plays a Role in Shaping Girls Self-Esteem1832 Words   |  7 PagesThus, this analysis is an attempt to elucidate the archetype of women through the classic film, Snow White (1937) by identifying and analyzing some representations and by doing so, understanding how a majority of the female characters also have become the reflection of those values in both, action and appearance. In 1937, Disney adapted the original The Brothers Grimm fairytale and released Snow White and the Seven Dwarfs, which won the hearts of critics and audiences worldwide; nonetheless, itRead MoreThe, Gender, And Race1292 Words   |  6 Pagesthe rape of women needless to say these women have been subjected to both of crime and sexism. Intersectionality will point out that there may be needs that should be addressed regarding the rape depending on if that individual has overlap does implementing intersectionality. For example, women of color being raped may also have to deal with racism. The idea here is not just to work towards ending sexism but sexism (if you group all women together) but to also end racism. If the law only looks at oneRead MoreSummary Of Disney And His Worlds934 Words   |  4 Pagespieces of information that I learned about Walt Disney is that not everything he did was perfect. I already knew that he didn’t start off with a lot of money and that he had to borrow a giant sum to help get Snow White and the Seven Dwarfs off the ground. Within the book, Bryman explains that Snow White and the Seven Dwarfs was a success with the public and that Walt had make back more than enough money. What I didn’t realize was that all of his movies were not a huge success. For example, Bryman statesRead MoreEssay about An Analysis of Fairy Tales1684 Words   |  7 PagesSagas about princes and princesses, beauty, magic, and love, fairy tales like Snow White and Cinderella among others have become children’s favorite bedtime stories. However, as parents tuck their sons and daughters in, they fail to realize that there is a much more daunting purpose to these stories. American writer and poet, Jane Yolen suggests that fairy tales indicate life values. Furthermore, Yolen insists that these tales are â€Å"thumbprints of history† (Yolen 27). Studying fairy tales in depthRead MoreEssay about Disney and Discrimination1430 Words   |   6 Pagessubliminal and Disney is therefore hiding certain race, gender, and sex issues. Now, you Disney fanatics may be thinking that Disney captivates, enthralls through song and animation; criticizing â€Å"questioning Disney is like questioning motherhood† (Snow whitey). Yet, as author Janet Wasko puts it: â€Å"There is the super fan, who doesn’t question Disney, and then there is the rejecter who wants nothing to do with Disney. The goal that you as the reader will hopefully attain, is to lie somewhere in theRead MoreAdverse Influence of Disney Movies on the Younger Generation2049 Words   |  9 Pageshow he felt his values were in good thought. But the problem is his movies didn’t always portray these values. Many of the Disney Classics that our generation has grown to know and love have exposed children to many bad values. Classics such as: Snow White and the Seven Dwarves, Cinderella, Sleeping Beauty, The Jungle Book, 101 Dalmatians, The Little M ermaid, Beauty and the Beast, The Lion King, and Pocahontas display lessons not suitable for those of the younger years. In short, Disney movies haveRead MoreFemale Portrayal in Disney Cartoon Films2218 Words   |  9 Pagesconvey, but watching these films as an adult may raise an eyebrow or two. These movies consist of young, naà ¯ve, and beautiful princesses doing what it takes to be freed from a bad circumstance and ultimately falling in love along the way. Is it sexist? Sexism is defined as attitudes or behavior based on traditional stereotypes of sexual roles; discrimination or devaluation based on a persons sex, as in restricted job opportunities; especially, such discrimination directed against women. In the real world

Fail to Plan, Plan to Fail - 1612 Words

Those who fail to plan, plan to fail, or at least plan not to improve, according to the management literature. Look at school improvement, and there’s similar agreement pretty much across the literature that the schools that improve are the ones that plan. They establish a clear educational vision and consequent shared mission; identify goals or objectives that enable them to achieve that mission and thereby realise that vision; audit themselves, thereby identifying areas for improvement; and develop and implement educational programs on the basis of leadership 57 that audit that address areas for improvement in ways that help them achieve the mission. That process, much of the literature suggests, is recursive or†¦show more content†¦They found that those asked simply to ‘do your best’ corrected both grammatical and content errors, while those who were asked specifically to correct grammar ignored content, and those who were asked specifically to correct content ignored grammar. The reason? Goals ‘inform the individual about what behaviour is valued and appropriate,’ argue Staw and Boettger. The goal-setting problem, Ordà ³Ãƒ ±ez and colleagues add, is that when we plan we tend to latch on to specific, measurable standards rather than complex sets of behaviours, and the attitudes and values that underlie them, precisely because specific standards are easy to measure and complex sets of behaviours are not. Command performance The goal-setting problem, essentially, depends on whether a goal is set by command or by consultation, negotiation or – horror – genuine collaboration. Goals set by command are, by definition, set by those with the power, whether you like it or not, to set them. The risk of such goal setting is that, first, it may lead to goals that are inappropriate or overly specific and, second, that leaders and their followers can be prone to what could be called target fixation or what Christopher Kayes, calls ‘destructive goal pursuit’ in Destructive Goal Pursuit: The Mount Everest disaster, to which Ordà ³Ãƒ ±ez and colleaguesShow MoreRelatedPlan to Fail or Fail to Plan?1874 Words   |  8 PagesPlan to Fail or Fail to Plan By, Andrew 11Dp1 Business do not plan to fail, they fail to plan Every businessperson that want to build or establish a business must have this statement in his or her mind first. By keeping this sentence in mind, it helps you achieving your goal (to gain profit as much as possible of course) What is a business plan? A business plan is a written statement of the goals and objectives for the business and the steps to be taken to achieve them; it is a documentRead MoreOrganisations Fail to Plan Are Plan to Fail2584 Words   |  11 PagesPart A: Organisations that fail to plan are planning to fail. Do you agree or disagree with this statement. Explain and refer to theoretical models and concepts in your answer. Organisations fail to plan are plan to fail Planning is the impact of defining organisational goals or objectives, establishing and overall strategy for achieving those goals, and developing a comprehensive set of plans to compound and set up organisational work. It is referring to what is to be done and how it is to beRead MoreReasons Why Marketing Plans Fail1111 Words   |  5 PagesSome Common Reasons Marketing Plans Fail Whatever your business is, you are either selling a service or selling a product. You need marketing to reach out to a lot of people and make them see reasons they need your product or services. Even app developers need to do a lot of marketing for users to get to see their apps. After any iPhone app development, iPhone users still have to be notified of the new app. Top app development companies have already found out that launching your app without anyRead Moreâ€Å"Organisations that fail to plan are planning to fail† this quote by Benjamin Franklin can be taken1200 Words   |  5 Pagesâ€Å"Organisations that fail to plan are planning to fail† this quote by Benjamin Franklin can be taken by its literal meaning that failing to plan for different situations that a business may face in its endeavours is basically setting the business and yourself up for failure even before the tasks are undertaken. No person or business accidentally succeeds, there success is a result from constructing and executing their plan. Planning is often called the primary management function as it establishesRead MoreHow A Business Plan Should Be Leveraged And Discovered Why Many Businesses Fail1845 Words   |  8 Pagescreate in the last 15 years. In doing so I hav e learned a tremendous amount about what to do and what not to do, I have learned the value of business incubators, and the value of a mentor. I have also learned how a business plan should be leveraged and discovered why many businesses fail. The very first business I ever operated was a web page building service that I operated while still in high school. At the time I knew very little about business structure or protecting personal assets. Honestly, besidesRead MorePlanning Methods And Methods Of Planning1692 Words   |  7 Pagesfollows: -â€Å"Planning is the thinking process, the organized foresight, the vision based on fact and experience that is required for intelligent action† as said by Alford and Beatt. -â€Å"Planning is deciding in advance what is to be done. When a manager plans, he projects a course of action for further attempting to achieve consistent co-ordinate structure of operations aimed at the desired results† as per Theo Haimann. -â€Å"Planning is fundamentally choosing and a planning problem arises when an alternativeRead MoreStrategic Planning : Strategic And Operational Planning889 Words   |  4 Pageshave a mission statement and a vision for the future. Every organization should know where they stand, and have an idea of where they see themselves five to ten years from now. To make their vision a reality, they must set goals and make specific plans. The two major types of planning used by organizations to achieve goals are strategic and operational planning. Goal setting is imperative to organizational growth, but without planning those goals may not be attainable. Top-level managers, as wellRead MoreA Strong Leader Always Come Up With Great Ideas.The First1090 Words   |  5 Pagessuccessful business venture. To separate the strong leaders from the weak ones, the strong leaders have the ability to successfully execute a plan. A strong leader tends to possess certain qualities, including honesty, p ositive attitudes, commitment, inspire, delegate, confidence, and communication. Moreover, leaders should be able to strategize and organize a plan effectively in order for their organization to be successful in the healthcare industry. Sunrise Senior Living is a competitor of MorseLifeRead MoreWhy so Many Start Up Businesses Fail and What You as an Entrepreneur Need to Do to Enhance Your Chances of Surviving the First Year984 Words   |  4 Pagesmany start up businesses fail and what you as an entrepreneur need to do to enhance your chances of surviving the first year Business failure refers to a company ceasing operations following its inability to make a profit or to bring in enough revenue to cover its expenses. A profitable business can fail if it does not generate adequate cash flow to meet expenses. According to The Dun Bradstreet and INC. magazine, we can see a result of 33% of all new business fail within first six months.Read MoreFailed Entrepreneurial Activity1664 Words   |  7 PagesWhen talking about the fail entrepreneurial activity, general public have controversial definitions of failure as some may think of liquidation of company and some suppose the fail investment of a particular area only. Despite polemical definition of failure, at least it states that the company stagnate in the fast changing world. According to the Burns (2010), the success is a survival for the long term in the turbulent business world. It hints that the failure represents the collapse of the business

Causes of Macbeths Downfall - 1445 Words

Causes of Macbeths Downfall – Essay By Jordan Koorey Shakespeare’s Macbeth, based on a play written in 1605 explores the life journey of Macbeth as he climbs the ladder of the social hierarchy. Determined to become King, Macbeth will kill any and all that get in his way. Driven by ambition, Macbeth puts his faith in the words and prophecies of three witches after a prediction that Macbeth would gain the new title of Thane of Cawdor. Alongside with ambition, Lady Macbeth, is a key instrument to Macbeths’ ambition to become king, continuously pressuring him, when he fears he has gone too in his schemes for greatness. We can definitely see a well – regarded and loyal soldier of the Scottish army change to a murderous tyrant. His downfall†¦show more content†¦As the lead up to the event of King Duncan’s murder Lady Macbeth tricks Macbeth into killing Duncan by using her cunning and complicated words. She makes Macbeth think that he has to kill Duncan for his benefit. Lady Macbeth deceives him into think ing that only he would gain more power, and it wouldn t benefit her. Lady Macbeth counters Macbeths’ arguments by saying that he needs to muster up all of his courage, and just follow here directions. Lady Macbeth plans the murder strategies, and influences Macbeth to go along with her strategy. Macbeth doesn t want to kill a good king for his own ambitions, but is persuaded to do it. From Lady Macbeth persuading him to kill Duncan, the first evil act he commits, he is drawn into believing the witches’ prophecies, and takes action to make them come true. Through various quotes by Lady Macbeth, it is evident to say that with each other by their sides, was a negative influence to the lead up of Macbeths’ downfall. Lady Macbeth blames her husband for lacking the courage to do the deed, and because Macbeth is a warrior above everything else, her comments manipulate him a good deal. Indeed, manliness is an idea the play interrogates in various ways, such as when Macb eth says I dare do all that may become a man who dares do more is none (1.7.46-47). This is the belief that his wife use against him: When you durst doShow MoreRelatedMacbeth- Text Responce918 Words   |  4 PagesPrompt: â€Å"Macbeth is totally responsible for his own downfall† Shakespeare’s play ‘Macbeth’ is about the leading male protagonist succumbing to his ambition and need for power. Though Macbeth is liable for his own actions, he is not solely responsible for the events that eventually result in his downfall. Macbeth is corrupted by his wife, Lady Macbeth, as well as the three weird sisters. Macbeth’s contribution towards his downfall is his strong ambitious nature. Lady Macbeth is the person who inducesRead MoreGerald Deocariza Iii. Mrs. Jardine. English 3, Period 4.1161 Words   |  5 Pagesbecome tragic heroes, who destine for a serious downfall and set as the protagonists of a dramatic tragedy. A tragic hero gets For example, William Shakespeare wrote a play called The Tragedy of Macbeth to show Macbeth’s uprisings and downfalls. Macbeth’s downfall results to wrong judgements that combines fate and external forces. If his downfalls does not kill him, his downfalls can cause the tragic hero to suffer for the rest of his life. Macbeth gains the utmost respect from other people; on theRead More The Character Flaws of Macbeth Essay845 Words   |  4 PagesThe Character Flaws of Macbeth      Ã‚  Ã‚   Since The Tragedy of Macbeth was written there has been speculation about the cause of Macbeths downfall.   Readers ponder whether Macbeths fall was caused by a flaw in his character, Lady Macbeth, or an outside force of evil.   Although the witches set a certain mood and Lady Macbeth exerts a certain influence on him, Macbeths downfall is caused by his own character.      Ã‚  Ã‚   Macbeths tragic flaw in character was the paradoxical pairing of his ambitionRead MoreCause Of Macbeths Downfall955 Words   |  4 PagesThe Causes of Macbeths Downfall Essay (English Yearly) INTRODUCTION {DON’T HAVE TOO MANY FACTS IN INTRODUCTION ANAYLISE MORE USING THE FIRST SECTIONS OF EACH PARAGRAPH} Macbeth is a powerful and emotionally intense play. 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A Markov Chain Study on Mortgage Loan Default Stages free essay sample

Shifting probability of credit status of past due or non-performing loans across stage has always been the center of attention not only for banking institutions but also for academicians. Mortgage loans’ changing credit status has a major influence on bank’s required reserve for capital adequacy against possible default loss. If the probability of shifting credit for default loans can be understood, calculated, controlled, or even predicted, reserve cost for the banking institutions can be alleviated to achieve higher economic efficiency. Due to the practical need to study and forecast bad credit, this research tries to explore probability distribution of past-due loans and to estimate average survival time before transferring into next non-performing loan stages. This information may be useful for bank managers to understand how to deal with the problems of classification and average delinquency related with mortgage loans for the purpose of better managing and granting loans. Bank asset may be better protected by restricting the period of years in mortgage financing especially when loans become dangerously delinquent and collaterals fail to offer adequate rotection. Banking institutions may even use life insurance to match the period of mortgage loans against potential default in the case of borrower accidents. Prediction of mortgage probability among credit stages may facilitate loan granting decision because of better quality in credit evaluation, which may, in turn, reduce a significant portion of mortgage risk. Mortgage Loan Default Stages may be commonly classified into 5 stages: normal, special mention, substandard, doubtful, and actual loss, with each stage having different probability of change either from good to bad or vice versa. This study use the Markov Chain to study the probability of shifting credit status and to estimate average survival delinquency of non-performing loans across stages, using the mortgage data collected from one of Taiwanese major banking institutions over a period of ten years (2001-2010). The study result shows that the probability distribution of mortgage loans can be classified in to the following five stages: 86. 89% belong to normal, 2. 12% need special mention, 0. 56% turn out to be doubtful, 0. 63% classify as substandard, and, finally, 9. 8% become actual loss. The probabilities for past-due loans to return back to its previous stage are 5. 64%, 3. 86%, 2. 3% and 0. 05% respectively, showing that mortgage loans once become past-due out of its regular repayment will not be easy for them to return to its previous credit status. This study also estimates average delinquent period for credit stages to be 23. 61, 7. 38, 4. 24, and 2. 40 years respectively, showing that the downward spiraling nature of non-performing loans with an ever shorter of life-cycle for worse credit. keywords:Mortgage loan, default risk, absorbing Markov chain I. Introduction Credit and loan and are the main business and a major source of earnings for banking institutions. The quality of credit and loan operations has a tremendous impact on the soundness of banking operations. One of the causes of the 2007 U. S. subprime mortgage crisis is the excessive credit expansion for financial institutions to ignore risk related to real estate loans, particularly when such loans are from high-risk populations suffering from unemployment or falling real estate prices. Bad loans did not occur instantly when credit is first given. Overdue credit happens gradually during the process when economy deteriorates causing households without the ability to repay and home prices to fall largely below the actual loan amount. A significant portion of those overdue bad loans will cause the rapid rise in the Non-Performing Loans (NPL) ratio for financial institutions, resulting in a serious erosion of profit, and causing a chain reaction of bankruptcy and escalated financial crisis. The century-old Lehman Brothers declared bankruptcy in 2008 which caused a domino effect, not only hitting the U. S. economy, but also triggering a global financial tsunami. Such disaster may be explained by the fact that banks recently owns excessive amount of poor credits which may be the result of highly competitive banking environment and reckless credit imprudence, even reaching an alarming level in banks NPL ratios. In order to correct this problem, the banking industry must make prudent and cautious decisions in the beginning of loan auditing process and also recognize the dynamic fact that credit status is not static. It shifts greatly throughout the life span of the loan credit. The change is more dramatic especially in the case of past due or non-performing loans. Only when banking institutions are fully aware of the dynamic nature of credit status can the banking institutions avoid making the same mistake again. This paper focuses on the study of the shifting probability of credit status of past due or non-performing loans. In this study, the samples are selected based on the number of different credit stages and the size of different scale from the cases of residential mortgage loans from a branch in southern Taiwan of a large scale national bank specialized real estate mortgage loans, so that the samples are representative and non-bias. During the 10-year period of study from 2001 to 2010, a total sample of 3470 cases are selected with 3455 cases of normal payments and 305 overdue repayments in order to understand the distribution of housing loans and their NPL status. According to Taiwanese banking regulations, 5 categories (or stages) of overdue loans and bad credit assets are defined as: Category I (stage 0):Normal Credit assetsnormal payment (on interests and principals); Category II (stage 1): Special Mentionoverdue 1 to 3 month stage; Category III (stage 2): Substandard overdue for 4 to 6 months; Category IV (stage 3):Doubtful/pre-write-off stage overdue for more than six months; Category V (stage 4):Losses—actual write-offs. This study uses the Markov Chain method to study the continuous process, transferal evolution, and shifting probability of loans across stages. The purpose is to investigate the distribution status and transferal probability of NPL loans in different stage to understand and forecast the probability of classification and its survival time in each of the stage for reference of the bank in auditing credit, extending credit, securing loan, and the need to attach mortgage life insurance to reduce bank’s risk. 2. 1 Definition of housing loans According to Taiwanese Bank Credit Practice, (Bank Credit of Practice Summary compiled Committee, 2008), housing loans are defined as when customers, with good credit history, may provide his or other’s real estate to banks or other financial institutions to apply for short-term or long-term loans to meet clients need of home purchase, repair or other specific purposes. According to the borrowers credit situation, solvency, and market value of collaterals, banks may provide financing to pursue maximum profit under a certain degree of risk, in order to meet customer needs and arrange loan portfolio management. . 2 Definition of bad credit assets Taiwanese NPL regulations classify credit assets (both on and off balance sheet) into normal credit assets (Category I) and other bad credit assets (Category II-V). A sound credit asset shall be evaluated based on the market status of collaterals and overdue length of time. Bad credit assets cover the stages that have overdue 1 to 6 mo nths, more than 6 months, doubtful of any payments, and real asset losses which are actually written off from banks balance sheet. Bad credit assets also have the following situations: 1. Those requiring â€Å"Special Mention† refer to the category of credit assets still having sufficient collateral but principal or interest payments in arrears for 1 to 12 months; or those unsecured credit assets having overdue for 1 to 3 months; or those credit assets that have not yet reached their maturity date, but the borrowers, nonetheless, show other instances of poor credit worthiness. 2. Those that are â€Å"Substandard refer to the category of credit assets evaluated as having sufficient collateral but the borrowers principal or interest payments have been in arrears for 12 months or more; or those credit assets evaluated as unsecured on which the borrowers principal or interest payments have been in arrears for 3 to 6 months. 3. Those that are â€Å"Doubtful† refer to the category of credit assets evaluated as unsecured and on which the borrowers principal or interest payments have been in arrears for 6 to 12 months. 4. Those that are classified as â€Å"Losses† refer to the category of credit assets evaluated as unsecured on which the borrowers principal or interest payments have been in arrears for 12 months or more; or those credit assets evaluated as impossible to obtain repayment. With regard to those credit assets to be repaid in installments by agreement, the bank may evaluate the assets in accordance with the borrowers solvency and the status of the collateral within 6 months after the establishment of a separate contract and may not be classified as bad credit asset. 1. Definitions of Non-Performing Loans Non-Performing Loans (NPLs) refer to those loans of which the principal or interest has been in arrears for 3 months or more, and those loans of which the principal or interest has not yet been in arrears for more than 3 months, but the bank has sought payment from primary/subordinate debtors or has disposed of collateral are all classified as NPLs. During the liquidation period, ei ther banks or borrower may request early repayment to amortize loans and other credit payments by notifying each other in accordance with the contract. Furthermore, Taiwanese financial authority regulates that the overdue loans more than 3 months can be handled by the following ways: (A) To dispose of collaterals, to negotiate for installment repayment of interests and principals, to restructure loan payment of interest and principals; (B) To obtain public or private credit guaranty or other government funding sources. In both cases, the credit status of loans changes dramatically from bad to ordinary performing loans. 1. 4Definitions of Non-Accrual Loans In additions, all NPLs shall be transferred to the â€Å"Non-Accrual Loans (NALs)†account within 6 months after the end of the payment period, excluding restructured loans. The NALs refer to loans and other extensions of credit transferred to the non-accrual loan accounts which are to be notified of payment by law. 1. 5Bad Loans Write-Off and Recovery Any NPLs or NALs, after subtracting the estimated recoverable portion, having any of the following characteristics, can be written off according to Taiwanese banking practices: 1. The loan cannot be recovered in full or part because the debtors have dissolved, gone into hiding, reached settlement, or declared bankruptcy. 2. The collateral and property of the primary/subordinate debtors have been appraised at a very low value or become insufficient to repay the loan after the subtraction of senior mortgages, or the execution cost approaches or possibly exceeds the amount that the bank might collect from the debtors where there is no financial benefit in execution. 3. The primary/subordinate debtors collaterals have failed to sell at successive auctions where the price of such collaterals has been successively lowered, and there is no financial benefit to be derived from the bank’s stake to continue possessing such collaterals. 4. More than 2 years have elapsed since the maturity date of the non-performing loans or non-accrual loans, and the efforts of collection have failed. II. Literature Review Previous literature tried to explore the default factors of individual mortgage loans and the reason why loans deteriorate from poor credit into overdue or even NPLs. Due to the difference in sample data and methodology, these literatures have shown very diverse conclusions. The early works of Jung (1962), Page (1964) indicates that mortgage interest rate is the main factor for causing real estate loan overdue. Von Furstenberg (1969) showed that loan-value ratio, mortgage term, borrower age and income are important default factors. Many researches have tried to applied different methodologies and variables in empirical model test to come up with distinctive but sometimes confusing results. Very little attention is paid to investigate the embedded probability iteration by stage for worse credit. In this study, we apply Markov chain to estimate shifting probability and average survival rate among different stages of home loan. Based on the probability information, the credit assessors may accurately predict default rate of home loans according to debtors’ age and loan period, and then coordinate home and life insurance to reduce credit and risk exposure to enhance the quality of home loan. Due to the fact that default rate is ignificantly affected by borrowers’ unique characteristics, i. e. age (von Furstenberg and Green 1974; Canner et al. , 1991), marital situation (Canner et al. , 1991), credit situation in the past (Grander and Mills,1989), education and so on, earlier studies of delinquency attempt to identify the relationship among these important factors. Consistent with findings of previous default studies, three loan factors have consistent and pos itive effect on delinquency: loan-to-value ratio, presence of junior financing (Herzog and Earley, 1970) and age of mortgage (von Furstenberg and Green, 1974). Claurite (1990) finds that foreclosures rise over time if interest rates rise, thus creating an incentive to skip out of high interest loans and to opt for lower ones. In addition, he finds that in markets with rising real estate values, the foreclosure rates are smaller, but the percentage of foreclosures increases with the unemployment rate. Because of its importance, mortgage credit risk evaluation has received a great deal of attention in economic and finance literature. Vandell (1978) and Ingram and Frazier (1982) mention a number of certain loan, borrower, and property characteristics which appear to correlate with loan delinquency and foreclosuresuch factors as the initial loan-to-value ratio, the contract interest rate, the housing expense-to-income ratio, term to maturity, age of loan, type of loan (conventional vs. government insured), borrowers equity, purchase price of the property, age of home (new vs. xisting), neighborhood unemployment rate, age of the borrower, borrowers income and occupational skill level and tenure on job, and the existence of refinancing or junior financing. Furthermore, Vandell and Thibodeau (1985) addressed theoretically and empirically, the structure of influences affecting the default option in mortgage contracts. A formal theoretical model recognizes that a number of loan and non-loan related effects beyond the housing unit can influence the default decision. These include 1) payment levels relative to income, which can displace other investment opportunities or cause a need for borrowing or sale to meet mortgage obligations; 2) current and expected neighborhood and housing market conditions, in particular the expected relative rate of appreciation of the unit and the relative cost of homeownership; 3) economic conditions; 4) wealth; 5) borrower characteristics such as the variability in income or the capability to survive crisis events; as well as 6) transactions costs incurred pon default. Some other macroeconomic factors and specific conditions of loan agreement which may cause later delinquency include the following: interest rate of the loan (Jung, 1962; Page, 1964), value ratio of the loan (Jung, 1962; Page, 1964; von Furstenberg, 1969; Zorn and Lea, 1989; Lawrence et al. ,1992; Kau and Keenan, 1999; Deng et al. , 1996, 2000), period of the loan (Page, 1964; von Furstenberg, 1969; Lawrence et al. , 1992), the ratio of mortgage payme nts to family income (Lawrence et al. 1992), and owner-occupation rates (Zorn and Lea, 1989). The borrower-related personal effects are often used to predict the level of borrower conscientiousness toward repayment or the likelihood of recovery from a seriously destabilizing incident, such as unemployment (Vandell, 1978; Deng et al. , 1996, 2000), death (Vandell, 1978), divorce (Vandell, 1978; Deng et al. , 1996, 2000) or housing price collapse (Kau and Keenan, 1999; Deng et al. , 1996, 2000), which will render default more likely. Their results show that unemployment and repayment have positive relation whereas economy growth rate and repayment negative relation. 2. 2Methodology Review Many literature applied the following methodologies to the study the issue of credit ratings such as multiple regression analysis (Jung, 1962; Page, 1964; von Furstenberg, 1969; von Furstenberg and Green, 1974; Vandell, 1978), discriminant analysis (Ingram and Frazier, 1982), probit model (Morton, 1975), logistic regression analysis (Vandell and Thibodeau, 1985; Grander and Mills, 1989; Canner et al. 1991; Lawrence et al. , 1992). Ingram and Frazier (1982) and Epley et al. (1996) apply the same analysis to test the significance of factors and classification and finds that classification only has small difference in validity, but significant factors varies from one research to another. On the other hand, Epley et al. (1996) show that, when same methodology are applied, there are significant difference in validity to classificatio n and positive or negative coefficients in the factors which influence on breaching the mortgage loan agreement. Since most of researchers use multi-variate methodologies, this study tries to use a different approach of markov chain methodology to analyze the situation of loan default and the nature of changing probability among different stage of loan deteriorations. This study focuses on the deterioration and change of bad loans from overdue to foreclosure with the purpose to find out shifting probability of mortgage financing and average survival rate in stages before final write-offs as bad loans. An estimate of the degree of risk associated with an home loan account is represented by the design of 5 mortgage stages: Stage 1: normal monthly payment; Stage 2: monthly overdue payment under 3 months; Stage 3 past due payments more than 3 month but under 6 months; Stage 4: delinquent period more than 6 months thus exceeding the time limit of loans; and finally Stage 5: bad loans are written off as real loss. Stages 1-5 represent the continually worsening situation of mortgage loans. This study tries to probe into the whole life range of home loan accounts in different stages, exploring their shifting probability in transit, account survival time in stages and finally predicting the chance of foreclosure for bank management concern. However, past research on mortgage households credit default model are established mainly for the purpose to achieve better prediction and warning capacity using different sample data and research methodology. Furthermore, the construction and research on credit default warning model, in most cases, seek first through calculating the probability distribution for household mortgage default to control Type I and Type II errors, and set up critical values to judge the possibility of mortgage delinquencies and, in the end, test the validity of the model using the remaining portion of sample data. Since absorption Markov chain can be used for analyzing problems related to stage change, Kijima (1998), from a technical perspective, explains how a Markov chain model can lead to the known empirical regularities such as memory in rating changes, long term reversion of ratings in bond credit assessment from class A down to E, and the probability of rating failure. Corcoran and Leininger (1973) use absorption Markov chain analysis to establish a human resources evaluation model differentiate ranks and positions into different status, use both supreme and lowest order status as the state for absorption, and calculate the time required to reach absorption. Chen, Jing-Wen (1996) uses absorption Markov chain to analyze the changing situation of account receivables (A/R) to establish the best A/R collection policy, and calculate the time and fluctuation of cash flow under conversion and balance state. Zheng, Wen-Ying (1999) use absorption Markov chain on cost benefits analysis to evaluate transfer probability on all stages of unauthorized, illegal constructions and their survival existence years within the city of Taipei. Zhou, Bai-Long (2001), through absorbing Markov chain analysis, infer the average stop over time before a bank crisis occurs for the Farmer Credit Department in Taiwan To further understand overall household mortgage overdue distribution and transfer situation under different stage, this article first arrange household mortgage loans from 2001 to 2010 according to FSB (2010) specifications, define 5 mortgage overdue lending stages for classification, then use absorption Markov chain analysis to discuss the distribution of overdue loans across stages, and finally calculate the mortgage loan transfer probability before entering final absorption state. III. Research Design This section first discusses research samples and sources, explain how NPL stage is divided, and finally introduce the research methodology. 4. 1 Research Sample Since the restoration of Taiwan in 1946, rapid economic growth and house prices rising caused a surge in mortgage business. Due to the influence of internal and external factors, real estate cycles of booming and recession affected many household incomes and thus resulted in the generation of a large amount of overdue loans since 1995. Once mortgage credit default occurred, not only were households unable to repay their debts and thus suffered from foreclosure, but also the banking experienced great damage sometimes as serious as bank-runs. This article selected mortgage household samples from a branch of a large national bank in southern Taiwans southern during the period of 2001-2010. According to the Financial Supervisory Commission (2010) specifications, as defined in the mortgage NPL stage, sample data are sorted and calculated through Markov chain analysis method to explore transfer probability of mortgage holders during stages and to estimate the average survival time of the various NPL statuses. 4. 2 Mortgage Overdue Stages As mortgage interest and principal repayment are influenced by the factors of real estate cycles and external economy, mortgage holders face a great deal of uncertainty and risk. There is a gradual process of stage occurrence from mortgage default to the end auction for doubtful accounts, rather than overnight problems occurring. Mortgage overdues are part of a continuous NPL history of credit default and should be classified by the seriousness of NPL status and divided into 5 stages, with stage 0 to stage 4 representing credit default situation getting worse. In practice, mortgage classifications make default problems easier to distinguish and to deal with. Mortgage households NPL stage definitions are summarized as following (see Table 1): Table 1 Mortgage households NPL stage definitions Mortgage households NPL stage| Definitions| 0| Category I. Normal Credit Assets| 1| Category II: Special Mention| 2| Category III: Substandard)| 3| Category IV: Doubtful| 4| Category V:Losses| Source:FSC2001 4. 3 Markov Chain Analysis Since extending loans, the NPL migration process approximates random process. In research of credit default warning model, households’ mortgage write-off stage can be regarded as the absorbing state. Based on this assumption, the study uses Markov chain’s absorbent nature to explore the distribution and migration pattern of overall mortgage NPL status. Markov chain analysis is a kind of probability process. Markov (1907) proposed the concept of Markov nature for the description and prediction of physical changes under different circumstances and the final end of a stable absorption state. Wisner (1923) develops the Markov nature into a series of useful mathematical formula. Cyert (1962) apply the concept on the research of management accounting. In addition, the Markov chain analysis is capable of dividing into stage when physical changes happen from a known state to another. Two classification criteria according to their transient† and absorbing† nature are proposed. In the former case, change always happens with distinctive characteristics and can be separated into stages; while, in the latter case, once the physical change enters the final stage, it becomes inseparable as if it was absorbed and become static during the final stage. Such a chain with stages auto-correlated to each other and with changes leading from one stage to another is called the absorbent Markov chain. † This article uses absorbent Markov chain to estimate the phase of transition probability and average survival time of the overdue loans. The Markov chain and the concept of absorbent Markov chain analytical methods, formulas are summarized below. IV. Research Results The overdue loans to total loans ratio of domestic banking sector showed a clear downward trend since the fourth quarter of 2001 until June 2011. The trend diagram in Figure 1 showed that overdue to total loans ratio gradually decreased from the ratio of 11. 27% in the fourth quarter of 2001, to 11. 74% in the first quarter of 2002, and further declining down to 0. 61% in the fourth quarter of 2010, displaying considerable credit quality improvement as well as recovery in overall economic climate and real estate business. This article use household mortgage sample from 2001 to 2010 for research object. During this period, the overdue lending rate of Taiwanese banking sector is declining every year. Thus, except individual personal factors, macroeconomic environment had little effect on the overdue lending rates during this period. Unlike other research where there is always a significant influence from the external environment. Which is always the cause of a large portion of overdue NPLs. Economic recession cause irresistible conditions and generate past-due NPLs. To avoid such influence, mortgage households sample data from 2001 to 2010 are ideally chosen for study. First, annual mortgage households growth are summarized to understand its number, size and growth ratio, then each of the data are categorized into tables according to FSC (2010) specifications of bad credit asset (mortgage overdue lending stage 0-4), and lastly calculate the relative number of distribution and arranged the statistics into the form of transfer Matrix. Through absorption Markov chain analysis method, this study estimates probability under five stages of overdue loan conditions, transfer rate at different stages, and the average survival for each of the overdue loan conditions at different stages. 5. 4 Annual Household Statistics From 2001 to the end of 2010, the mortgage sample had a total of 3819 Mortgage households to apply for loans. There were 1616 Mortgage households from 2001 and 3819 mortgage households at the end of 2010, a total growth of about 1. 36 times. During this period, the average annual growth rate increased up to 9. 80%. On the other hand, the NPL accounts grew from the number of 179 by 2001 to 305 mortgage households by the end of the 2010 (see Figure 2). 5. 5 Distribution of Household Overdue Loans Mortgage families from 2001 to 2010 are classified according to the FSC (2010) proposed NPL phases (Table 2). In Table 2, annual distribution of mortgage households of each stage is clearly shown. From year 2001 to 2010, mortgage households are normal to pay interest and principal; however, beginning from 2001, there was a downward trend that many mortgage households became overdue. In addition, Table 2 showed that, from 2005, although overdue mortgages significantly climbed, they still remain in the stage 1 condition. Since 2006, its mortgage households overdue situation is getting worse (i. e. more late payment in stage 2, 3 and 4), considerably higher than previous years. It is worthy of the attention of bankers and financial authority in charge. The NPL percentage to the total is clearly shown in Table 2. From table 2, the mortgage houses at different stages are divided against the annual total, and expressed as percentage, making clear the percentage every stage has to the total number of mortgages. As mortgages credit status may fluctuate over time, make changes in their stages of overdue loans, this article taken into account for the time (t) factors through regression analysis to forecast trend and verify whether changes are the same for each stage. If verification result is solid, the data analysis does not take into account the factor of time; If, on the contrary, the time factor will be taken into account. From Figure 3, Verification results and linear regression analysis (see table 3) show that, at different times, (t) changes for each stage and render a horizontal status, that is, the data will not change over time, mortgage loan overdue status distribution is stable.