【作者】 马晓强； 丁小浩；

【机构】 中央教育科学研究所； 北京大学教育学院；

【摘要】 个人教育投资风险特指个人教育投资收益的变化情况,风险与不确定性是等同的。利用分位数回归估计方法,以来自我国城镇居民的样本,对我国个人教育投资风险进行实证研究,结果表明:我国城镇居民个人教育投资存在明显的收益变动性,即存在教育投资风险;教育投资风险与收益呈现正相关关系。仅仅通过投资取得更高层次的教育水平来减少工资不平等是不现实的,教育投资风险的分担机制和社会保障政策应引起有关决策者的足够重视。更多还原

【Abstract】 The risk of individual citizens investment in education specially refers to the benefit changeability of individual investment in education. Risks always go side by side with uncertainty. By adopting the method of quantile regression estimation and taking the Chinese urban citizens as samples, the authors make a positivist study of the risk of Chinese urban citizens individual investment in education. The result indicates that the individual citizens investment in education often suffers obvious benefit changeability,i.e. the risk and benefit of investment in education shows a positive correlation. It is not realistic to reduce the inequality of salaries by means of investing more money for receiving higher-level education. Therefore, relevant policy makers should pay due attention to the establishment of the mechanism for sharing the risk of investment in education and the system of social insurance.更多还原