家庭教育资本的本质属性及投资风险管控

The Essential Attribute of Family Education Capital and Investment Risk Control

家庭教育资本是在内外部约束要素允许的条件下,家庭通过购买、置换等方式有目的地从外部获得的用于子女教育以取得预期教育收益的家庭教育资源。家庭教育投资具有收益多重性、持续性等特点,也蕴含一定风险。其风险主要有教育责任不当转嫁的风险、违反教育规律风险、投资收益误判风险、政策变动风险以及违反法律法规风险等。家庭教育投资风险管控的原则主要有家庭教育责任担当原则,把遵循教育规律放到风险管控重要位置的原则,信息分析、法规政策研判先行原则,量力而行的原则,及时精准投入的原则。

Family education capital is a kind of family education resources,which is purposefully obtained from the outside by means of purchase and replacement under the conditions of internal and external constraints.Family education investment not only has the characteristics of multiple returns and sustainability,but also contains certain risks.Its risks mainly include:the risk of improper transfer of educational responsibility,the risk of violating educational laws,the risk of misjudgment of investment benefits,the risk of policy change and the risk of violating laws and regulations.The principles of risk control of family education investment mainly include:the principle of family education responsibility;The principle of putting following the law of education in an important position of risk management and control;The principle of information analysis,laws and policies research and judgment first;The principle of acting according to one’s ability;The principle of timely and accurate investment.