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      • An illustration of a white target with an arrow at the center, alongside a dollar symbol. It represents financial goals or business success.Essentials of Finance
      • A briefcase with jet streams underneath, symbolizing career growth or taking business to new heights.Essentials of Entrepreneurship
      • Icon of a group of people next to a globe, representing global community or international collaboration.Leadership in the Business World
      • An outline of a computer monitor with a gear symbol, representing computer settings or system configuration, on a purple background.Management & Technology Summer Institute
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      • An illustration of a classical building with columns, likely representing an institution, next to an icon with bar charts and a gear, symbolizing data analytics or business operations.Data Science Academy
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      • A stylized globe with continents, featuring a bar chart and upward arrow, symbolizing global growth or economic progress.Future of the Business World
      • A white globe with continents next to three abstract people icons on a blue background, symbolizing global community or teamwork.Essentials of Leadership
      • Illustration of a football combined with a data graph on a turquoise background with a dotted pattern, representing sports analytics.Sports Business Academy
      • A light bulb with a dollar sign inside and three arrows pointing outwards, symbolizing ideas or innovations leading to financial growth.Financial Decision Making
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      • A stylized illustration of an arrow hitting the center of a target with a dollar symbol nearby, representing financial goals or success.Understanding Your Money
      • Illustration of a football with an analytics graph on a blue dotted background, representing sports analytics.Moneyball: Training Camp
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      • A simple white line drawing of a light bulb on a teal textured background, symbolizing an idea or innovation.San Francisco, CA: Innovation and Startup Culture
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      • The image displays the text "FNCE 0001" in white font on a blue textured background.FNCE 0001: Introduction to Financial Markets and the Global Economy
      • The image contains the text "FNCE 0002" in white letters on a yellow background with a subtle dot pattern.FNCE 0002: Essentials of Personal Finance
      • Text reading "STAT 0001" on a yellow textured background.STAT 0001: Introduction to Statistics and Data Science
      • Text "HCMG 0001" on a purple textured background.HCMG 0001: Introduction to Health Economics
      • A blue textured background with the white text "BEPP 0001" centered on it.BEPP 0001: Business Economics and Public Policy
      • White text "OIDD 0001" on a blue textured background.OIDD 0001: Prescriptive Analytics
      •  
      • White text "MKTG 0001" on a dark blue textured background.MKTG 0001: Viral Marketing
      • The image has a blue background with the text "MKTG 0002" in white letters.MKTG 0002: Consumer Behavior
      • White text "MKTG 0003" on a dark blue abstract background.MKTG 0003: The Art and Science of Influence 
      • Text "MGMT 0001" in white font on a teal background with a dotted texture.MGMT 0001: Principles of Management
      • The image features white text "MGMT 0004" on a textured teal background.MGMT 0004: Work, Power and Inequality
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        • Rules & RolesThree silhouette figures next to a stack of checklists with checkmarks and crosses.
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      • Data Science Competition
        • The Wharton High School Data Science Competition is a free, experiential sports analytics competition from the Wharton Sports Analytics and Business Initiative, supported by the Wharton Global Youth Program. It delivers valuable data, analytics and team-building experience.

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      • Comment & Win Competition
        • The Wharton Global Youth Program Comment & Win is an annual contest that runs from June to August and is designed to encourage high school-age students to discover Global Youth stories, podcasts and videos, and to develop stronger reflective and persuasive writing skills. Four biweekly rounds of competition include a new theme introduced each round.

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        • A person using a calculator on a wooden table, surrounded by digital icons related to business and finance, with the word "RETAIL" prominently displayed.Simulation Edge: An Online Future of the Business World Student Explores How to ‘Pivot or Perish’November 14, 2024
        • A notebook with "M&A" written on it and a drawing of a big fish about to eat a smaller fish, symbolizing mergers and acquisitions. Nearby are glasses, charts, and spreadsheets.The Power of Strategic Thinking: Intel from an M&A ProfessionalNovember 7, 2024
        • Aerial view of a landscape featuring a series of lush green fields interspersed with reflective water bodies, surrounded by dense forests under a misty sky.An AI Startup Takes Us Inside the Business of Climate ResilienceNovember 1, 2024
        • A carved pumpkin with a glowing interior, featuring triangle eyes and a jagged mouth, representing a classic Jack-o'-lantern for Halloween decoration.8 Retail Lessons from the CEO of Spirit Halloween StoresOctober 29, 2024
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      • Global Youth News
        • A small group of students attentively participating in a classroom setting. One person is gesturing with their hand raised, indicating engagement in discussion. Bottles of water are placed on the table in front of them.Philadelphia High School Students Excel in Wharton’s Pre-baccalaureate ProgramOctober 21, 2024
        • A group of young adults standing together, some holding certificates, possibly celebrating their participation and achievement in a program related to entrepreneurship. They appear happy and are in a classroom setting with a projector screen in the background.Essentials of Entrepreneurship: Collaborating on a Cooling SunscreenOctober 14, 2024
        • A person standing with arms outstretched in a misty field, conveying a sense of freedom and connection with nature.Wharton’s 2024 Comment and Win Contest Ends with Innovation and InspirationAugust 28, 2024
        • Two people smiling and collaborating over a large sheet of paper, with a laptop nearby, suggesting teamwork or a creative project.Students Consider New Perspectives in Round 3 of the Wharton Comment and Win ContestAugust 9, 2024
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      • Glossary
        • The Wharton Global Youth Program has created a comprehensive video glossary of hundreds of business-related terms. Puzzled by the concept of "operating income" or need some help with your "competitive advantage?" Click on the linked word in the text in any article!
          • 401K 401K Glossary Item
          • Accounts Receivable Accounts Receivable Glossary Item
          • Acquisition Acquisition Glossary Item

        • Full Glossary »

      • Future of the Business World Podcast
        • Listen to inspiring youth voices! Each month Wharton Global Youth interviews a high school student innovator from around the world, discussing strategies and concepts that touch on every area of business and finance and explore the world economy. Each podcast episode runs around 20 minutes, ends with a fun lightning round, and is accompanied by a written transcript and conversation starters.
      • Commenting Policy
        • The Wharton Global Youth Program online community encourages open dialogue from our followers, readers and learners, through commenting on our Global Youth website articles and podcast transcripts and on our various social media platforms, including LinkedIn, Facebook, Instagram, Twitter and YouTube.

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  • For Educators

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      • Essential Educator Blog
        • The Essential Educator is a monthly blog written for high school educators by high school educators. It shares best practices for supporting and engaging students through business education.

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        • The Educator's Toolkit is a collection of articles, lesson plans, video glossary terms, hands-on learning exercises and other resources to provide ideas and materials to use with your students, while at the same time helping you discover the various ways the Wharotn Global Youth Program is creating relevant content for your classroom.
        • The Future of WorkAn engineer wearing a yellow hard hat operates a tablet while overseeing robotic arms welding metal, representing automation in manufacturing.
        • Sustainability and RecommerceA person drawing green outlines of houses, trees, wind turbines, and clouds, symbolizing sustainable energy and environmental conservation.
        • Technology and PrivacyA group of teenagers sitting together outdoors, using digital tablets and smartphones. They appear engaged and cheerful, representing social interaction and technology use.
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      • Lesson Plans

        • Browse the lesson plans, organized by National Business Education Association standard subject areas.

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  • About

Credit Spread

/wp-content/uploads/glossary_videos/20181015-KWHSG-Credit-Spread.mp4

The credit spread is the component of the loan interest rate that compensates the lender for the credit risk of the borrower. Banks provide loans to risky borrowers but charge high credit spreads to ensure that the portfolio of loans is profitable even if some borrowers default.

November 2, 2018

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