个人投资高等教育的约束条件和改革思路

教育经济学家的研究表明，教育投资收益率随教育层次的提高而递减，因此政府的公共教育投资更多的集中于中低层次的教育，是更有利于教育资源的优化配置的；高等教育则可放开走市场化的道路，特别是居民储蓄在总储蓄中所占的份额越来越高时，高等教育的投资主体从政府转换成个人已具备了基本的条件。本文从当前个人投资高等教育所遇到的约束出发，从放松约束条件的角度探讨了高等教育改革的思路。

Constraints of Individual Investment in Higher Education and Some Reformative Suggestions

The research of education economists indicated that the rate of return of education decreases with the rise of education levelweceived. So focusing the public education investment on lower levels of education will improve the allocation of education resources.For higher education, a market road is advocated. Especially when the portion of inhabitants' savings is increasing, it is a basic condi-tion for the investor to convert from the govemment to the individual. In view of the constraints for individuals to invest in higher edu-cation, from the angle of releasing these constraints the reform of higher education is discussed.