Individual Investment Decision Of Our Higher Education

As an individual human capital invests behavior, there is must be cost income as well as risk in individual investment to higher education. To make research on individual investment of our higher education, according to human capital theories, financial investment theories and education supplying and demanding theories, under the premise of analytical present condition of our country higher education individual investment, made a comprehensive analysis on the cost-benefits and risks of the individual investment of higher education, and establish an individual investment decision system and applied mechanism for higher education, which is useful to installs a higher education resources effective, talented person's market of our country and promote to the rational devotion and have certain reference function.At present, our individual investment of higher education has such problems as: the investment's direction be out of balance seriously, excessive investing fee, more and more investing risk. The reasons for these problems exist in three aspects: From the aspect of need, the economic roots are high investing needs;from the aspect of demand, individuals can't receive repay as their expectation presently;from the aspect of risk, individuals can't learn and evaluate the increasing risk.The key of solve the problems which exist in individual investment higher education of our country is establishing an individual investment decision system for higher education, made a comprehensive measure, evaluation and analysis on the cost-benefits and risks of the individual investment of higher education and make decision. Investment decision system of higher education mainly includes analysis the cost, benefit, yield, and risk of individual investment to higher education. Analyze the direct cost, indirect cost, direct income and indirect income on investment by monetary measuring method and non-monetary measuring method, measure and analyze the internal rate of return through internal rate of return method, and measure the investing risks of individual investment for higher education throughexpect rate of return, sigma and coefficient of variation, analyze the relation between personal investment risk and income of the higher education, and weigh higher education personal investment risk.The application of higher educational individual investment of our country needs the government, school and individual make efforts together so as to put it into practice successfully. Government offers the precondition through the policy and the information management, school offers environment through guide and support actively, individual implement the cost-benefits and risks management through one's own orientation, measurement and judgment.