本文關(guān)鍵詞：教育發(fā)展中融資創(chuàng)新研究　出處：《中南大學(xué)》2011年博士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 教育融資 教育融資理念 教育融資路徑 教育融資手段 教育融資創(chuàng)新

【摘要】：20世紀(jì)90年代以來,教育發(fā)展面臨資金瓶頸,教育經(jīng)費(fèi)短缺問題成為一個世界性難題,拓展融資渠道、提高融資效率成為世界各國教育投融資改革的普遍趨勢。不管怎樣,各類各級學(xué)校的發(fā)展,無論是增加教育經(jīng)費(fèi),還是促進(jìn)教育公平等等,所有這些問題背后其實(shí)都是一種制度安排,都離不開教育投融資體制機(jī)制的重新設(shè)計(jì)。在我國的現(xiàn)實(shí)社會當(dāng)中,這在很大程度上意味著重建教育的公共性,意味著要通過制度創(chuàng)新,促進(jìn)辦學(xué)體制的靈活性和多樣化,使教育重新成為全社會共同投入的公益性事業(yè)。 本文通過梳理教育財(cái)政、教育融資手段和教育融資效率等相關(guān)理論研究,對教育融資的整體理論構(gòu)架有了清晰的了解,采用的理論主要是財(cái)政學(xué)、管理學(xué)、制度經(jīng)濟(jì)學(xué)等相關(guān)理論向教育領(lǐng)域的延伸,這增加了文章的創(chuàng)新性和規(guī)范性；同時對美國、日本等國家教育融資經(jīng)驗(yàn)也進(jìn)行了整理和借鑒,這些也增強(qiáng)了文章的說服力。然后,本文通過對教育融資方式和融資實(shí)踐的梳理,歸納出教育融資方式主要有公共財(cái)政撥款、貸款融資、項(xiàng)目融資等六種方式,對不同籌資方式的特點(diǎn)進(jìn)行了分析。 在此基礎(chǔ)上,本文對教育融資創(chuàng)新影響因素與教育融資創(chuàng)新績效關(guān)系進(jìn)行了實(shí)證研究,提煉出成本因素、制度因素、結(jié)構(gòu)因素、風(fēng)險因素和能力因素等五個影響教育融資創(chuàng)新的因素,將教育融資創(chuàng)新績效的評價分為規(guī)模效應(yīng)和配置效應(yīng),并設(shè)計(jì)了實(shí)證模型及相關(guān)假設(shè),確定了教育融資績效的影響因素及評價方法,研究結(jié)果表明,各影響因素對創(chuàng)新績效的影響基本得到驗(yàn)證,同時在公共教育財(cái)政、教育成本分擔(dān)收費(fèi)、貸款融資等六種融資手段下,影響因素對創(chuàng)新績效的影響各有不同。 論文隨后從教育融資理念、教育融資路徑、教育融資手段三個方面深入闡述了反梯度推進(jìn)教育融資理念、教育券制教育財(cái)政補(bǔ)貼方法、風(fēng)險投資式助學(xué)貸款機(jī)制以及教育融資的優(yōu)化組合等教育融資的創(chuàng)新理念,用以促進(jìn)教育資源的公平分配和高效使用。 為保證論文理論分析的實(shí)際應(yīng)用價值,論文進(jìn)行了案例研究,通過相關(guān)資料的收集、訪談,從實(shí)踐角度分析了教育融資創(chuàng)新的過程。并在此基礎(chǔ)上,根據(jù)理論和實(shí)證研究,并結(jié)合案例分析的結(jié)果提出了實(shí)施教育融資創(chuàng)新的對策建議。 本文的主要創(chuàng)新之處表現(xiàn)在以下幾個方面： (1)提出了教育融資創(chuàng)新的影響因素有成本因素、制度因素、結(jié)構(gòu)因素、風(fēng)險因素和能力因素；教育融資創(chuàng)新績效包含規(guī)模效應(yīng)和配置效應(yīng)兩個方面。本文構(gòu)建了結(jié)構(gòu)方程模型,應(yīng)用數(shù)據(jù)統(tǒng)計(jì)軟件驗(yàn)證了教育融資創(chuàng)新影響因素和融資創(chuàng)新績效之間的關(guān)系。實(shí)證結(jié)果表明,成本因素、制度因素、結(jié)構(gòu)因素、風(fēng)險因素、能力因素都對教育融資的規(guī)模效應(yīng)均有不同程度的顯著影響；成本因素、制度因素、風(fēng)險因素對教育融資的配置效率具有不同程度的顯著影響。在此基礎(chǔ)上對不同融資方式的融資績效進(jìn)行了分析比較。 (2)在完善助學(xué)貸款機(jī)制方面,本文從金融創(chuàng)新的角度認(rèn)為風(fēng)險投資引入助學(xué)貸款,建立和完善風(fēng)險投資式助學(xué)貸款機(jī)制,其實(shí)質(zhì)就是一種“資本投資式的”資助計(jì)劃,即銀行對學(xué)生的資助等同于對一個有風(fēng)險的企業(yè)進(jìn)行投資,“買進(jìn)”學(xué)生未來收入的一部分,實(shí)際上是使讓貸款學(xué)生群體承擔(dān)部分還貸風(fēng)險。這種風(fēng)險投資機(jī)制有利于完善助學(xué)貸款體系,分散貸款風(fēng)險,為助學(xué)貸款提供了一種社會化的風(fēng)險承擔(dān)機(jī)制,有助于提高助學(xué)貸款的穩(wěn)健性,從而為教育資源籌集提供有效保障。在此基礎(chǔ)上本文構(gòu)建了人力資本經(jīng)濟(jì)價值評估模型,分別對銀行和個人的貸款風(fēng)險進(jìn)行了測算。 (3)在不同教育產(chǎn)品的差別定價方面,本文認(rèn)為教育產(chǎn)品價格是國家支付的人均教育經(jīng)費(fèi)(可稱隱性價格)與學(xué)生支付的學(xué)費(fèi)(可稱顯性價格)兩部分之和,它們的不同組合,形成了不同的教育產(chǎn)品價格類型；教育產(chǎn)品差別定價最終體現(xiàn)為國家和個人之間劃定的不同分擔(dān)比例。這種顯性而完整的教育產(chǎn)品價格機(jī)制既有利保持原有體制下各界對教育的投資渠道,又能進(jìn)一步促進(jìn)學(xué)校之間的競爭,激發(fā)社會對教育的投資熱情,使教育保持應(yīng)有的競爭、靈活和高效,從而使教育發(fā)展回歸均衡。
[Abstract]:Since 1990s, the development of education is facing financial bottlenecks, the shortage of education funds has become a worldwide problem, expand financing channels, improve the efficiency of financing has become a common trend in worldwide education investment and financing reform. However, the development of various types of schools at all levels, the increase in funding for Education, and promote educational equity and so on, behind all these problems in fact, it is a kind of system arrangement, re design education cannot do without the system of investment and financing mechanism. In our society, which means that the public reconstruction of education to a great extent, by means of system innovation, promote the flexibility and diversification of educational system, the education of the whole society to become put the public welfare.
In this paper, through combing the education finance, education means and education financing financing efficiency and other related theoretical research, have a clear understanding of the overall theoretical framework of education financing, the theory is mainly in finance, management, institutional economics and other related theory into the field of education extension, which increases the innovation and standardization of the at the same time; for the United States, Japan and other countries experience education financing also sorting and reference, these also enhance the persuasiveness of the article. Then, based on the education mode of financing and financing practice combing, summed up the main financing way of public education funding, loan financing, project financing in six ways, the characteristics of different ways of financing are analyzed.
On this basis, the relationship between the effect of education financing innovation factors and innovation performance of education financing for the empirical research, extract the cost factors, institutional factors, structural factors, risk factors and ability factors five factors such as education financing innovation, the innovation performance evaluation of education financing is divided into scale effect and allocation effect, and the design of the empirical model and related assumptions, the influential factors and evaluation method of education financing performance, the results show that the effects of various factors on innovation performance has basically been verified, at the same time in the public educational finance, educational cost sharing fees, loan financing and other six kinds of financing methods, influencing factors on innovation performance of each there are different.
Then, from the educational concept of financing, education financing, three aspects of education financing means further expounds the anti gradient promoting education financing concept, education voucher system of education financial subsidies, risk investment and financing mechanism of student loans education optimal combination of innovative concepts such as financial education, with a fair allocation of educational resources and to promote efficient use.
In order to ensure the theoretical analysis of the practical application value, this paper through case study, data collection, interviews, from a practical point of view of the process of education financing innovation. And on this basis, according to the theoretical and empirical research, and combined with the results of the case analysis and puts forward some countermeasures and suggestions of education financing innovation.
The main innovations of this paper are shown in the following aspects:
(1) proposed the influence factors of education financing cost factors, institutional factors, structural factors, risk factors and ability factors; innovation performance education financing includes two aspects of scale effect and allocation effect. This paper constructs the structural equation model, using the data statistical software to verify the relationship between the factors and the innovation of Education financing financing innovation performance. The empirical results show that the risk factors of cost factors, institutional factors, structural factors, influence factors of the ability of education financing scale have different degree; the cost factors, institutional factors, has a significant effect on the allocation efficiency of different risk factors on education financing. On the basis of different financing ways the financing performance were analyzed and compared.
(2) in improving the student loan system, this article from the perspective of financial innovation risk investment into student loans, to establish and perfect the risk investment mechanism of student loans, its essence is a kind of "capital investment" scheme, namely bank funding for students as to invest in a risky business, "buy" a part of students' future income, actually is to let students loans bear part of the risk investment mechanism. The loan risk is conducive to improving the student loan system, disperse loan risk and provide a risk socialized mechanism for student loans, help to improve the robustness of student loans, so as to provide the effective guarantee for raising the education resources. On the basis of this paper constructs the model to assess the economic value of human capital, respectively for banks and personal loan risk was calculated.
(3) in the differential pricing of different educational products, the product price is paid by state education funding per capita education (called implicit price) and students pay tuition (can be called the dominant price) two part and their different combinations, forming different education product types; education product difference the final pricing reflects the demarcation between the state and individuals of different proportion. This kind of dominant education product price mechanism is beneficial to maintain the integrity of the original system from all walks of life to the education investment channels, and further promote the school competition, stimulate social investment in education enthusiasm, make education be competitive, flexible and efficient thus, the development of education return to equilibrium.

【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2011
【分類號】：G40-054

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 趙陽;;探析子女的家庭教育經(jīng)費(fèi)管理與規(guī)劃[J];才智;2014年13期

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本文編號：1392195