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Hidden dragons
Source: Chris Skinner, TowerGroup
In the second of a two-part report, Chris Skinner looks at Chinese banking reforms and the emergence of a new superpower.
Last month, I reviewed India's markets and banking prospects in depth, with the conclusion that Indian service and financial professionals will be teaching the world how to manage banks ten years from now. In a similar manner, China will be teaching us how to deploy bank infrastructures ten years from now. In particular, China is of interest due to the fact that, in order to fulfil obligations to the World Trade Organisation (WTO), Beijing is to opening its financial firms to foreign competition. The new rules come into force on 11 December, and will allow foreign banks to offer services directly to Chinese consumers in yuan currency.
A Chinese take-away
China's economic prosperity is largely due to the major government reform programme of Deng Xiaoping during the 1980's. Xiaoping's vision moved China away from centralised planning and control, closed to international trade, into a thriving market-oriented economy. His government achieved this by liberalising prices, decentralising fiscal policies to local government and increasingly allowing State-Owned Enterprises (SOEs) to act autonomously.
Xiaoping's reforms were continued through the 1990's by his successor Jiang Zemin and were paid homage to in a recent speech by the current Chinese President, Hu Jintao, who stated "from 1978 to 2003, China's GDP increased from US$147.3 billion to over US$1.4 trillion, with an average annual increase rate of 9.4%; its total foreign trade volume grew from US$20.6 billion to US$851.2 billion, with an average annual growth rate of 16.1%; and the poverty-stricken population in the rural area dropped from 250 million to about 29 million".
Similar to India, a key aspect of China's growth has been through targeted education, with China producing over 800,000 science and engineering graduates in 2005, more than any other nation, and expecting to rise to over a million science and engineering graduates by 2010, more than the total number of graduates in these disciplines leaving American, Japanese, French, German and British universities.
This will continue to fuel China's manufacturing prowess and is critical to China's future growth plans as, unlike India, China has an ageing population issue. India has a growing population where 70% are under the age of 36. China has a declining population due to the Planned Birth Policy introduced by Deng Xiaoping's administration in 1979 to cope with the demands of a society with scarce resources.
China will have to look hard for future workers to continue to sustain its growth phenomena. That is not difficult though, when unofficial figures estimate that China has almost 260 million unemployed people, about the population of the USA.
China's real issues lie elsewhere, including how to manage pollution and energy supply, how to convert state-owned enterprises (SOEs) from nationalised to privatised industries, and how to rebalance the poor rural populations in the West with the growing affluent urban populations of the East. All of these relate back to China's banking structures, or lack of them.
China's banking: A renovation project
Many of China's issues in restructuring to support its economic powerhouse status relate to the financial system. For example, China currently has foreign currency reserves of almost a trillion dollars, growing at over $17 billion a month. As a result China's central bank, the People's Bank of China, regularly buys dollars from the commercial banks and substitutes them for Renminbi bonds. With so much money in government's hands, is it any wonder that China is spending so grandly on major projects such as the Qinghai Tibet railway. The railroad is the world's highest, and the final section to Lhasa was opened on 2 July 2006 at a cost of $4.2 billion. China has invested over $125 billion in the Western provinces since 2000, including the controversial three gorges dam projects, and has $21 billion more planned. All of these investments are part of the rebalancing of wealth and commerce between East and West China.
However, China's banking has more fundamental issues. For example, until 2001, the banks were wholly owned by China's government and had no function other than to take monies from China's citizens to invest the funds in government projects and enterprises. That is why China's banks had little concept of customer services or of managing risk.
Bank lending in China was authorised by the People's Party, with 95% of corporate loans made to SOEs. Accordingly, China's banks are reportedly suffering from around 40% of non-performing loans, the highest in the region. With a trillion in foreign currency reserves available from the government to bail out any bank that gets into problems it may imply that the issue is covered, but it does lead to some major questions around China's future.
First, the government is actively trying to shift from the majority of workers being employed by SOEs to a more commercial and competitive economy. Some of these SOEs have already been transformed, such as the car industry, and many are employed in building and construction, with 40 airports, 26 underground railways, 30 nuclear power stations and over 50,000 miles of motorway being built over the next five years.
However, a third of the SOEs are non-performing and should be closed down or sold off. This would lead to a further 150 million lay-offs, and the pay-offs incurred would increase the NPL rate which is already running at almost a trillion dollars – the same amount as China's currency reserves. Of more concern is the fact that if China's banks begin to behave as banks in other commercial centres behave, then it could cause much more civil unrest creating instability in the economy.
Equally China's banks have already had to be bailed out by the government through recapitalisation of their balance sheets since the late 1990's to the value of $215 billion. This means that Chinese banks have to generate at least $25 billion more in annual revenues to service that cost than banks in other countries.
Second, China's financial markets have no defined capital markets or commercial banking. China's capital markets purely fund SOEs, with companies unable to borrow from the bond markets and no recognised equities markets. According to McKinsey, China's capitalisation of the equity market is a third of GDP, with half of that capitalisation for SOEs. That means that only 17% of commercial firms trade on the equities markets, compared to 60% in other emerging economies.
Even more telling is that the corporate bond market is virtually non-existent. The corporate bond market is just 13% of GDP, compared to over half in other emerging markets. Those bonds fund SOEs, with companies borrowing 95% of their funding through bank loans.
The net result is that McKinsey estimates that China could:
reduce its cost of capital by $14 billion a year through creating a vibrant bond market;
that more efficient equities markets would reduce the costs of share issuing and trading by over $1.5 billion a year, even at today's small volumes; and
that China would realise over $320 billion a year in savings through improvements from financial reform, equivalent to a 17% increase in GDP.
This is part of the reason why, unlike India, China has embarked on a radical reform program of its banking operations, which began with World Trade Organisation (WTO) requirements to change in 2001.
China's banking: reforming through 2007
China joined the WTO in 2001 and made a number of concessions in so doing, not the least of which was to open its banking market to foreign competition. The process has been to allow increasing foreign direct investment in domestic banks over the past five years, with open and direct competition commencing in 2007. This is dissimilar to India, in that China is releasing the handles on its financial institutions fully once deregulation is complete, whilst India still has highly protective barriers to foreign entry.
Initially, the restrictions to foreign investment in Chinese banks was that foreign ownership could not exceed 25% of a bank and no single investor could own more than 19.9%. These restrictions will gradually be lifted and, as a result, many firms are taking the opportunity to grab a slice of Chinese banking.
In particular, as from 11 December 2006, foreign firms are able to offer services directly to Chinese consumers in yuan currency, from deposit accounts through loans and credit cards. With 1.3 billion Chinese consumers to target, that is not a bad market to go for.
These firms are taking a calculated risk however.
On the one hand, foreign bank investors in Chinese banking are desirous of the prospects of creating a new capital market and equities exchange as a third major business hub to match those of London for Europe and New York for the USA. They are also avaricious for the country's growing 'consumer class' which is around 20% of the total population, or a quarter of a billion people. These are consumers who previously could not invest overseas, did not have access to high net returns and are potentially eager for European and American banking style services. In order to do this, foreign banks will need to be locally incorporated, with a registered capital in China of at least one billion yuans (around €100 million), as well as holding at least a further 100 million yuans (€10 million euros) for each branch in China. There are other rules imposed also, such as foreign banks required to have a maximum 75% loans to deposits ratio by 2012.
On the other hand, China's banks are still unstable, without a strong understanding of customer service or risk management as previously mentioned. As foreign banks enter into Chinese banking, they do run the risk that their non-performing loans are with State-Owned Enterprises (SOEs), in other words with the Government. If overseas banks begin to apply strong credit risk management techniques the result will be that they will stop providing and servicing loans to SOEs and will begin to call them in. Meanwhile, the very same banks are also likely to begin creating financial instruments that divert consumers' investments away from China's SOEs and into commercial banking or, even worse, overseas products. Either approach would cause the People's Party to rethink the reform process and potentially close down some of these 'joint ventures' with the overseas player, in so doing, losing their investment.
Nevertheless, the rewards outweigh the risks according to most bank investors and so the re-energising of Chinese banking will continue. This was demonstrated by the flotation of the Industrial & Commercial Bank of China (ICBI) on 20 October 2006.
The IPO turned out to be the largest the world has ever seen, with the $19 billion sale dwarfing the $12 billion raised from 53 IPOs in the second half of 2006 on Wall Street. Even more noteworthy was the fact that, by the end of the first day of trading, the Chinese lender had a market value of about $157 billion which was more than Goldman Sachs Group and Lehman Brothers Holdings put together, according to Fortune magazine.
During this renovation of Chinese banking we will see a new form of banking appear, which will teach Europe's and America's banks a few lessons.
Lessons to be learnt from China's banks
The biggest lesson European and American banks will learn from China is in technology. Just as America has been the technology powerhouse of the world for the last half a century, China intends to be the world's technology powerhouse for the next. That is why you cannot buy any electronic goods these days without a 'made in China' label somewhere on the product, whether it be a Lenovo PC or a Konka TV. But China's real focus is to own the next generation of technologies, and the People's Party is investing heavily in new areas from next generation Internet to next generation mobile. With 400 million mobile telephone users and 110 million Internet users, over 60 million of those on broadband, China is revolutionising services and products dramatically and with full government backing.
China is prioritising technology due to issues with the last major innovations in technology, which by-passed most of the country. By way of illustration, when the foundations of the Internet were being laid in the 1980s, the USA created the network and dominated the system. That is why each American on average owns six IP (Internet Protocol) addresses, compared to 26 Chinese having to share one IP address, according to the International Telecommunication Union.
So China is putting dollars into technology, and big dollars. For example, IPv6 – Internet Protocol Version 6 – is the chosen standard for the next generation of the Internet. The Chinese government created a project that ran from the end of 2002 until August 2003 called the China Next Generation Internet, which aimed to champion China's leadership in this area. The project was supported by the National Development and Reform Commission, the Ministry of Science and Technology, the Ministry of Education and other leading government ministries, and received over $175 million investment. Similarly, the government lends support to leading technology providers, such as Huawei which provides internet networking facilities, and provides grants to business to experiment with new technologies.
It is not surprising when you have a business that has jumped from 10% of the world's electronics production to 18% between 2000 and 2003 at a CAGR of 15.4% and is now worth over $200 billion a year. Similarly, China will have the world's largest broadband enabled population, with 140 million citizens on high speed lines expected by 2010.
The result is that Chinese banks are reaping the rewards of this spend. According to TowerGroup Research, bank IT spending in China increased 32% annually from 2004 to 2007, rising from $10.1 billion to $23.2 billion, which is faster than anywhere else in the world. This spend is going into new core systems and into new technologies such as WiMAX, the next generation wireless standard, IPv6 and fourth generation mobile telecommunications.
One illustration of this leadership in technology was the give-away Swatch-style World Cup 2006 watch from Chinatrust Commercial Bank during the summer. The watch was used to promote the soccer world cup in Germany, and incorporated a contactless MasterCard PayPass chip. The idea being that you could walk around Beijing and when you saw a CD or DVD you wanted, you just flashed the watch over the reader and the product was purchased. Simple, innovative and far and away ahead of anything Western European or American banks are doing with these RFID chips so far.
The end-game of all of these changes is that China is creating the world's next generation technologies and systems, with Kingdee, ZTE, Lenovo and Huawei leading the pack. These firms are suddenly appearing in the Top 100 leading technology firms of the world. Watch out as China will soon be to technology what America was for the last fifty years.
Conclusions on China and India: Tigers you cannot ignore
Throughout this article and in last months, I have tried to objectively appraise China and India in depth, and compared and contrasted the two countries.
From a banking viewpoint, both countries offer exciting opportunities as they have been closed to foreign bank entry until recently.
Neither country has sophisticated capital markets or commercial banking, and retail bank lending, savings and deposits are also relatively untapped. There are major differences however.
India's banking systems are more cosmopolitan with some capabilities for commercial lending and equities. This could be leveraged if it were not for the concerns of India's central bank that India's banks, if opened to foreign competition, do not know how to compete. As a result, India's reform process is very slow.
China, on the other hand, has been forced to change fast as part of its accession to the WTO. Therefore, the banking markets are revolutionising with investment and foreign skills. China, in the short term therefore, will be the major market to watch.
In the long term, it is different.
China, in the long term, will be teaching American and European banks how to use technology, but its markets will gradually dwindle and wane as their citizens grow old. Conversely, India has 7 out of 10 citizens under the age of 36. Therefore, whilst China teaches the world about the next generations of technology, India will be producing the next generations of IT managers and skills.
The final vision of 2020?
London becomes the outsourced trading operations for India's banks?
New York provides the offshore clearing and settlement systems for Beijing?
You never know, it just might come true.
Chris Skinner is a director of TowerGroup and founder of Balatro.
Web links: www.towergroup.com and www.balatroltd.com
Author's email: Chris Skinner
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Home / For Departments / J-1 Exchange Visitors
You have reached International Student & Scholar Services' site for departments to sponsor visiting faculty or researchers. The purpose of the J-1 Exchange Visitors Program is to increase mutual understanding between the people of the United States and the people of other countries by means of educational and cultural exchanges. UC Santa Cruz hosts between 200-300 J-1 scholars annually. Please contact us at ischolar@ucsc.edu if you have any questions.
Overview of the J-1 Exchange Visitor Process
Department or faculty sponsor invites the visiting professor or researcher to UCSC (timeline varies).
Department and Division submits the DS-2019 request form to the scholar advisor liasion. Upon receiving a completed request form the scholar advisor will issue a DS-2019 within 7 business days. ISSS will notify the Department / Division that the DS-2019 and pre-arrival information are ready.
After receiving the DS-2019 the exchange visitor pays the I-901 SEVIS fee, applies for a J-1 visa at a U.S. embassy or consulate (1-12 weeks).
Exchange visitor arrives in the U.S. within 30 days of the program start date. The EV onboards with the assigned Academic Personnel/Payroll staff, reports to ISSS, attends new scholar orientation (2-4 weeks).
After completing orientation ISSS will validate the J-1 EV's SEVIS record (1-2 days).
Institutional Requirements. The department must extend an academic appointment to the prospective J-1 exchange visitor prior to requesting a DS-2019. The academic appointment may be a courtesy appointment or a paid position. For more information see APO CAPM 609.430 and APO CAPM 102.530.
Regulatory Requirement. A prospective exchange Professor, Short-Term Scholar, or Research Scholar is expected to have completed at least a bachelor's degree with appropriate experience in the field in which research or teaching is to be conducted. J-1 Professor or Research Scholar cannot hold tenure or be placed in a position "on a tenure track." Click here to view the available J Exchange Visitor categories at UCSC.
The department or faculty sponsor will provide assistance to the exchange visitor upon arrival at UCSC. The proposed activity is suitable to the EV's background, needs, and/or experience. The exchange visitor and any family members are required to have sufficient funding for their period of stay. The EV is aware of the health insurance requirement and is clear as to who is responsible for paying for insurance premiums. The EV will engage only in activities that are consistent with the intended program while at UCSC. The Department / Division should inform ISSS when conditions of financial support change, there is a position or appointment title change, early completion or termination of program, or EV will be outside the U.S. for more than 30 days
Financial or Funding Requirement
Scholar Handbook
DS-2019 Request Form
Amendment Request Form
Sponsor Permanent Residency
Last modified: April 17, 2019 128.114.113.73

redpajama_set_name: RedPajamaCommonCrawl


In my previous blog post I talked about outcome discrimination and outcome correlation and their relationship to one another. Now I will provide some criteria that can be used for outcome discrimination and outcome correlation coefficients to judge whether a question is making the grade in terms of psychometric quality.
I'll be back with more juicy psychometrics soon!
In my previous blog post I dived into some details of item analysis, looking at example questions and how to use the Questionmark Perception Item Analysis Report in an applied context. I thought it might be useful in this post to talk about outcome discrimination and outcome correlation, as people sometimes ask me how are these different or the same, when should I use one or the other, and so on. The fact of the matter is that you can use one or the other and often it comes down to preference as they both yield quite similar results.
Outcome discrimination is the proportion of the top (27% according to assessment score) of participants who selected a response option minus the lowest (27% according to assessment score) of participants who selected each response option to the question. What you would expect is that participants with the highest assessment scores should select the correct response option more often than participants with the lowest assessment scores. Similarly, participants with the highest assessment scores should select the incorrect distracters less often compared to the participants with the lowest assessment scores.
Outcome correlation is a point-biserial correlation that correlates the outcomes scores that participants achieve to the assessment scores that they achieve. So rather than comparing only the top and bottom 27% of participants, the outcome correlation looks at all participants using a standard correlation approach.
If you are thinking that outcome discrimination and outcome correlation sound like they might be related to one another, you are right! High outcome discrimination statistics generally will result in high outcome correlations. In other words, outcome discrimination and outcome correlation statistics are highly correlated with one another. How correlated are they? Well, I looked at many real-life questions from Item Analysis Reports that customers have shared with me and found a positive correlation of 0.962, which is really high.
In my next post I will provide some criteria that can be used for outcome discrimination and outcome correlation coefficients to judge whether a question is meeting the grade in terms of psychometric quality.


These Jackets Are "Da Bomb"!
Hola lovelies! I hope everyone is staying warm out there!
One of the biggest trends for 2016 were the Bomber Jackets. I think these military inspired jackets will continue to make their mark in 2017. Let me give you a few of my justifications as to why I have several hanging in my closet. #1- I live in South Texas! Cold weather rarely happens here. When it does, it last all about two days then its back to mild weather. These light weight jackets are perfect. #2- You can transition from wearing sneakers to throwing on over the knee boots or heels for an evening out. #3- You can rock a satin bomber with just about anything. Dresses, jeans, leggings, skirts etc…there is no fashion fail with the bomber jacket. What would you wear with a bomber jacket?? Do share!


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Route Adélie de Vitré 2022 var den 26. udgave af det franske éndagsløb Route Adélie de Vitré. Cykelløbet var 176,7 km langt og blev kørt den 1. april 2022 med start og mål i Vitré. Løbet var en del af UCI Europe Tour 2022. Løbet blev vundet af franske Axel Zingle fra .

Resultat

Hold og ryttere

Danske ryttere

* DNF = gennemførte ikke

Referencer

Eksterne henvisninger

2022
UCI Europe Tour 2022

redpajama_set_name: RedPajamaWikipedia


David Pantalone, PhD, is an Associate Professor of Psychology and Director of the Clinical Psychology Doctoral Program at the University of Massachusetts, Boston, and a Behavioral Scientist at The Fenway Institute of Fenway Health. He completed his academic training at Brown, the University of Washington, and the Seattle VA, and is a licensed psychologist in Massachusetts. At UW, he trained in DBT with Dr. Marsha Linehan. His clinical interests are in treating mood, substance use, and personality disorders, and on the dissemination of evidence-based treatments for these problems. He is an investigator on multiple NIH-funded projects.


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ALEXANDRE DECAMPS: THE FOUNDING FATHER OF ORIENTALISM
by Neha Vashistha March 3, 2017
Reproducing the everyday oriental life and scenery with a bold fidelity to nature, the French Romantic Painter, Alexandre- Gabriel Decamps, is remembered as one of the most influential painter on Orientalism.
One of the first French painters of the 19th century to turn from Neoclassicism to Romanticism, Alexandre Decamps was born on March 3, 1803, in Paris, France. In his youth Decamps travelled in the East, revealed Middle East world through his paintings. Initially his work puzzled the conventional critics but soon his powers came to be recognized, and he was ranked along with Eugène Delacroix and Joseph Vernet as one of the leaders of French painting.
Embracing a wide range of subjects, Decamps was perhaps one of the first European painters to represent biblical scenes with natural local background. On this class were his 'Joseph Sold by His Brethren' (1838), 'Moses Taken from the Nile' (1837), and his scenes from the life of Samson, consisting of nine vigorous sketches in charcoal and white. The most impressive of his historical pictures was 'Defeat of the Cimbrians' (1833). In 1885, Decamps received the grand or council medal at the Paris Exhibition.
Decamps's style was characteristically and intensely French. It was marked by vivid dramatic conception, by a manipulation bold and rapid, sometimes even to roughness, and especially by original and startling use of decided contrasts of colors and of light and shade.
Decamps produced a number of genre pictures, chiefly of scenes from French and Algerine domestic life with a marked feature of humour. Similarly, in various paintings and sketches he depicted such animals as dogs, horses and monkeys with a marvelous humour. Probably the best known of all his works is 'The Experts' (1837), a clever satire of the jury of the Académie des Beaux-Arts, which had rejected several of his earlier works.
Decamps passed most of his life in the neighborhood of Paris. He was passionately fond of animals, especially dogs, and indulged in all kinds of field sports. He died on the 22nd of August 1860 in consequence of being thrown from a vicious horse while hunting at Fontainebleau.


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O Vision of the Seas é um navio de cruzeiro operado pela companhia norte-americana Royal Caribbean International.

Realizou três temporadas no Brasil entre 2009 e 2012.

Incidente
Em março de 2013, parte dos alimentos do navio foi contaminado por um norovírus, fazendo com que 108 passageiros manifestassem problemas gastrointestinais em Port Everglades, Flórida, Estados Unidos. Após a sanitização do navio, este seguiu viagem.

Ligações externas

 Interiores e áreas públicas do navio em fotos, Portal WorldCruises.com (em português)

Navios de 1997
Navios construídos na França
Navios da Royal Caribbean International


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Deborah Ann Ryan (Huntsville, 13 de maio de 1993) é uma atriz e cantora norte-americana, mais conhecida por interpretar  Bailey Pickett em Zack & Cody: todos a bordo, Abby Jensen em 16 Desejos, Jessie personagem-título da série  do Disney Channel Jessie, Tara Adams em Radio Rebel e Patty Bladell na série de televisão Insatiable da Netflix. Ryan ganhou destaque na música contribuindo com os vocais para as trilhas sonoras de seus projetos da Disney e mais tarde formou a banda The Never Ending em 2013, e excursionou com eles como um ato de abertura da etapa norte-americana da The Reflection Tour do Fifth Harmony em 2015.

Biografia
Debby nasceu em Huntsville, Alabama. Por ser evangélica, já atuou em igrejas. Além disso, em grupos de teatro, e em competições de talento. O pai de Debby estava nas Forças Armadas Americanas, então ela morou na Alemanha dos 7 aos 9 anos de idade. Debby começou a agir profissionalmente numa Base Americana na Alemanha. Ela então descobriu que amava atuar. Na época, Debby era fluente em alemão. Ela retornou aos Estados Unidos com 9 anos de idade, no ano de 2002, e foi criada no Texas, história semelhante da série de televisão Jessie que ela faz papel principal.

Ela sonhava em atuar em tempo integral. Numa entrevista feita pela People Magazine em 2009, Debby revela que em sua sétima série escolar teria sido a mascote de sua escola e participava do clube de xadrez. Ela se descreve como uma "nerd" na escola. Debby tem um irmão mais velho, Chase Ryan, que é guitarrista e vocalista.

Ryan manteve um relacionamento com o músico Josh Dun entre maio de 2013 e setembro de 2014. Em 2018, Josh confirmou que eles tinham voltado, e noivaram no mesmo ano.

Em 31 de dezembro de 2019, Josh e Debby se casaram.

Carreira

2006–2007: Início e trabalhos na televisão
Debby estreou-se em 2007 como convidada em Barney: Let's Go to the Firehouse, onde fez o papel de Jullie, uma adolescente em crise que passa a ver a vida de um jeito mais alegre. Ela também participou do filme The Longshots com Ice Cube e Keke Palmer. Ryan interpretou Edith no filme.

2008–2010: The Suite Life on Deck e 16 Wishes

Debby interpretava uma dos personagens principais, Bailey Pickett, na série original do Disney Channel, The Suite Life on Deck. A série é um spin-off de The Suite Life of Zack & Cody. O episódio piloto do seriado estreou em 26 de Setembro de 2008 nos Estados Unidos, sendo muito bem recebido pela crítica. Além da série de sucesso, Debby também participou do especial Studio DC: Almost Live que apresentava estrelas de diversas séries do Disney Channel em companhia dos Muppets.

Ela também fez uma participação em um episódio da mini-série Jonas Brothers: Vivendo O Rock. Em 2009, Ryan fez sua primeira aparição em uma série de TV fora da Disney Channel. Ela interpretou Hillary em um dos episódios da série de drama da ABC Family, The Secret Life of the American Teenager. Debby ganhou dois Young Artists Awards como Melhor Atriz de TV por The Suite Life on Deck e por Melhor Performance de Atriz Convidada em série pela sua atuação em The Secret Life of the American Teenager.

2011–2016: Jessie e Radio Rebel
Em 2011, Ryan ganhou a sua própria série no Disney Channel intitulado Jessie onde faz essa mesma personagem. O show segue uma menina que se muda do Texas para Nova York para se tornar uma ama  para uma família com quatro filhos. Ryan também ajudou a criar a série, relatando que ela queria se relacionar com sua personagem. Também protagonizou o filme Radio Rebel original do Disney Channel. Em 2015 Jessie foi finalizada após 4 temporadas.

2017-presente: Insatiable
Em fevereiro de 2017, Debby entrou para o elenco de Insatiable, nova série da The CW, e interpretará Patty, uma jovem que sofria bullying devido ao seu peso e emagreceu 30kg após quebrar a mandíbula. A série de drama gira em torno de Bob, um advogado insatisfeito que vira treinador de participantes de concurso de beleza. O grande drama aparece quando sua primeira cliente é Patty, que também é bem vingativa e quer virar a rainha da beleza. Em junho de 2017 a série foi comprada pela Netflix após ser ter seu piloto não aprovado pela The CW. A série estreou no serviço de streaming em 10 de agosto de 2018, com 12 episódios.

Em fevereiro de 2020, a série foi cancelada após duas temporadas.

Outros empreendimentos

Filantropia

Ryan está envolvida no Disney's Friends for Change. Ela também foi destaque em um comercial na Disney Channel. A caridade ajuda a explicar como as crianças podem ajudar a preservar o planeta e os convida para ir pro site do Disney's Friends for Change para poder doar. Ryan faz fazer parte do Disney's Friends for Change Games, que conta com estrelas da Disney para competir em desafios inspirados por boas ações para o meio ambiente. As estrelas serão divididos em equipes e cada equipe jogará em nome de uma instituição de caridade ambiental. Ryan foi a capitã da equipe azul tocando para beneficiar Convenção Oceânica.

Em maio de 2012, Ryan viajou para Udaipur, na Índia, como parte do Disney's Friends for Change. Durante a sua visita, ela se ofereceu para ajudar a construir uma nova escola em Lai Gow e se reuniu com membros da comunidade local para aprender sobre sua cultura. A sua experiência foi filmado e transmitido entre os programas no Disney Channel a partir de 28 de junho de 2012.

Música
Ryan toca vários instrumentos musicais, incluindo guitarra, piano e teclado. Ela também é compositora e escreve músicas ao lado de seu irmão mais velho. Ryan mostrou interese em vários tipos de música dentre seus preferidos ela citou jazz e country pop com uma mistura de rock alternativo. Ryan foi definido para ser a atração principal do "Terrific Teen Tour", uma série de concertos, que foi co-liderado por Mitchel Musso, Jasmine Richards e Savannah Outen, que teria início no dia 9 de julho de 2009 e término em 14 de julho do mesmo ano, mas a turnê foi cancelada devido a conflitos de agenda. A turnê teria sido a estréia de Ryan em shows ao vivo.

Ryan estreou seus talentos musicais em episódios de The Suite Life on Deck. Em 2011 Ryan lançou seu primeiro single chamado "We Ended Right", que mais tarde foi incluído na trilha sonora do filme Radio Rebel. Desde então, passou a gravar músicas para filmes como "A Wish Comes True Everyday" e "Open Eyes" para 16 Wishes e "We Got the Beat" para Radio Rebel. Ela também gravou a música tema "Hey Jessie" em sua série da Disney Channel. Em 2014 lançou seu EP ''One'' com sua banda The Never Ending que ficou no top 5 de charts de rock.

Moda
Em julho de 2012, Ryan começou a trabalhar em uma linha de roupas para lançamento em 2013. Ela disse que estava nos estágios iniciais de construir-se uma marca de moda e revelou que foi olhar para os designers e marcas de entrevistas que ela pode gostar de trabalhar.

Filmografia

Televisão

Filmes

Ligações externas

 Fansdryan

Naturais de Huntsville (Alabama)
Atores dos Estados Unidos
Cantores dos Estados Unidos
Compositores dos Estados Unidos
Artistas da Walt Disney Records
Debby Ryan


Home / SALE / Women's Vyshyvanka "Tender Poppy"
Perfect combination of traditional Ukrainian poppy-pattern with modern cut blouse.
Wear it with a skirt or pants. Be expressive and impressive. Sure to charm everyone that lays eyes on you!
Real cross stitch embroidery on a high quality Italian linen (flax) material.
Large: 23 in. wide, 28 in. long, 27 in. sleeve.