个体教育投资风险与教育资产组合选择

个体教育投资是形成人力资本的重要途径,由于受多种不确定因素的影响和人力资本固有属性的限制而成为风险投资,有其特定的风险内涵、风险类型和不同投资者对待风险的态度偏好。个体教育投资风险与个体的受教育年限和职业或专业选择密切相关。风险与受教育年限的关系包含在教育收益方程中,风险随受教育年限的增加而递减。不同职业具有不同的收入和风险,择业是对职业收入与风险的综合选择。在风险条件下,对个体受教育年限和职业的组合选择是实现个体教育投资效用最大化的重要模式。

Individual Educational Investment Risk and Selection of Educational Assets Organization

Individual educational investment is an important way of forming manpower capital. Due to the influence of many uncertain factors and the limitation of intrinsic attributes of manpower capital, it has become a kind of risk investment, with its special risk connotation, risk type and attitude preference of different investors toward risk. The individual educational investment risk has close relations with the individual's number of years for education and occupation or specialty. The relationship between risk and the number of years for education is included in the equation of education and income. Risk progressively decreases accompanied by the increase in the number of years for education. Different occupation has different income and risk. Choosing an occupation is a comprehensive choice of both occupational income and risk. Under the condition of risk, the combined selection of individual's number of years for education and occupation is an important model to realize the maximized effectiveness of individual educational investment.