Original: Gong Lei Our country has experienced more than 30 years of development since 1977 resumed the college entrance examination. Before 2000 in the last century, college graduates generally entered all walks of life directly through national distribution. Later, with the expansion of college entrance examination and two-way choice with employers, college graduates entered the talent market.

Yue longmen, the carp, is gone forever. Nowadays, some people compare going to college to a risky investment.

Since it is compared to investment, what is investment? From an economic point of view, investment is the process of converting money into capital, that is, with money input, after certain business activities, certain profits are obtained, that is, investment is expected to appreciate to some extent. Judging from the relationship between investment and consumption, investment is to sacrifice certain consumption for the expected value in the future. Investment requires a certain amount of investment, but at the same time it can create income or increase value, which can bring more income in the future. Investors need to consider expected return, investment risk, depreciation, investment interest rate and investment cost.

If studying in university is compared to investing, carp can change their fate by jumping the dragon gate and studying in university. This kind of investment is very valuable and worth investing.

With the improvement of people's material living standards, more and more young people, whether children with better family conditions in cities or children in rural areas, choose to study in universities. Since going to college is an investment, this kind of investment is likely to be a family investment at first, which means that the tuition fee for going to college is generally paid by parents and families. Judging from the expected income, more and more rural children go to college, that is, after graduation, they leave the countryside to enter the city and find jobs in the city, while more and more urban children choose to study abroad.

Second, from the perspective of investment depreciation, depreciation is four years of college, which is the same for everyone. It is also a precious four years.

Third, from the perspective of investment cost, a family invests part of its savings in children, which means that the family has given up other consumption or consumption opportunities.

With the annual enrollment expansion, the proportion of college entrance examination admission has been greatly improved compared with the last century. Now the threshold for going to college has been greatly lowered. Therefore, more and more people choose to go to college, and there are more and more highly educated people in the talent market. Here, I want to give a few examples to analyze the investment during my college years with my friends.

Once there was a teacher who wanted to be a secretary in the Youth League Committee or a librarian in the library after graduating from college. 265,438+0 or 22-year-old to work, on-the-job master's degree, can earn wages without delaying academic qualifications. In addition, employees can also enjoy the housing allocation in colleges and universities. After obtaining the master's degree, they switched from librarians to lecturers, and then went on to pursue their doctoral degrees. After getting a doctorate, they can continue to be promoted.

This kind of investment cost is much less than those of full-time undergraduate, master and doctoral students, and the risk is much smaller. At least, doctors do not need to find a job after graduation. The time cost is the same. Students who study full-time for master's degree or doctor's degree not only have no salary, but also have several years of service, so the pressure may be even greater. On-the-job study, even if you can't get a master's degree or a doctor's degree, there is at least one job that can earn income.

Another student, after graduating from college, chose to be a librarian or an administrator of the Youth League Committee, and studied for a master's degree on the job, and then he could transfer to other better administrative posts or be promoted to a higher level.

The author gives an example to illustrate that if studying in a university is compared to an investment, it is more important to compare who can work it out, so as to minimize the investment cost and investment risk. Instead of following the crowd, just reading.

Let's talk about studying abroad. More and more students study abroad at their own expense. I want to give an example. In colleges and universities, many university lecturers visit abroad through international cooperation projects in colleges and universities 1 year, half a year and three months. They have applied for several such projects to study abroad, and the effect achieved is not necessarily smaller than that of your full-time study abroad, and the cost of going abroad is paid by the state fund or unit fund, which is much less than that of studying abroad at your own expense.

The author gives an example to illustrate that there are many ways to invest in academic qualifications, and the investment cost and risk of many ways can actually be very small or minimized.

Chat with some classmates from rural areas who have good grades. They choose to go to college because they have fruit tree plantations, fish ponds or aquaculture at home and they have made a fortune. They built two floors in their home. In order to satisfy a desire to go to college, they chose to go to the city to go to college. After graduation, I will go back to my hometown to inherit my parents' career, and my annual income is also considerable.

The author thinks that it is a kind of consumption for students like this to go to college. The definition of consumption is the economic behavior that human beings satisfy their own desires through consumer goods.

If going to college is just your consumption behavior, there must be a premise, that is, family economic conditions allow it. If going to college is just a consumption behavior, it will bring too much burden to a family, pressure on the expansion of university enrollment to the society and employment problems to the country. I don't think it's a good idea. Young people who are at least 20 years old are adults and have their own responsibilities and obligations to the family and society. Working first is also an option. As long as you really want to study hard and make progress, there are still many opportunities to learn.

Is going to college an investment? Or pure consumption? Maybe everyone's choices and answers are different.