Three education financing and financing are planned (1)   
The educational program includes two kinds of educational programs of one's own educational program and children, self-perfection and educational offspring are all important contents in life. So, the education taking realizing the educational program as purpose manages money matters and is regarded as and managed money matters the component of planning, the other contents of planning are likewise important position and function equally with managing money matters. 
As a kind of special financing, educate and manage money matters and is inseparable from macroscopical factor at first. These macroscopical factors are the risk of the family income, the educational price soars, education industrialization strengthens the difficulty of employment, it may not be proportional that the professional gold content change, invest in and reciprocate to time   
The reform of the labour and employment system of the beginning of the 1990s of last century, make decades hold and spoil " a secure job " , get used to "  Rich or poor "  Chinese on day, should face " laid off " suddenly This strange and severe situation. In following more than 20 years, the social wide gap between the rich and the poor is further expanded, a few people needn't worry about the payment of the educational expenses, expenses that needn't even worry all one's life; But most people not merely should pay the daily expenses, buy house, buy property, marry and give birth to babies, educate children, support parents retiredly with the income not very well-to-do, whether if and watch out foring, will lose this script on the income not very well-to-do. However, it makes the family income face the risk that industrial structure adjustment, market competition fierceness, enterprise manage improperly, " laid off "  Shade moment shroud it live people. 
On the other hand, the direct cost of education - -The tuition soars. The provided school helps and keeps up with to the state-run member of a nationality, the civilian-run school develops towards superior, noble, even compulsory education charges the money using every conceivable methods changing to a new form. The expenses of one year of the child 3 years old of private kindergarten can be in order to exceed the students of the university; One page 432 it sells for to be only yuan of novels the eighties, the present price was 20 yuan, have fully risen 14 times. Price to reject planning system decontrol and inflation '  In fact it was still the deflation several years ago)  Factor,it last reason. 
The education industrialization reform that started during the 1990s, advocate the self-raised fund, run a school and improve the principle of the educational condition independently, have given the school power of independent arbitrary charge. Outwardly, self-raised fund, running a school and lightening the national financial burden independently, in fact the responsibility that the country must offer public articles is unloaded together too, it was that the school including offering compulsory education all turned into money of having not to come in finally "  Study the shop " . Education industrialization make school go on, run an enterprise on a commercial, deal in, issue bachelors, master's degree in batches. One more student, many a piece of " fee of number of people " ,Benefit that just one more. Regard charging as basis that enter a higher school with achievement, education industrialization produce a large number of bachelors, masters bludgon the careers market into directly, cause university student, graduate student obtain employment difficult, graduate i.e. unemployment, salary and conditions is lowered again and again. Student enter school, foot a bill, 500 strong position of company that school describe, and how much salary of -figure number, have already become Arabian Nights, idea which cannot be realized at all, has become out of reach. 
In addition, the advancing by leaps and bounds of modern social science and technology makes the renewal of knowledge change with each passing day, at a tremendous pace. Can unquestionably not be used to study by tomorrow today, the professional knowledge brought in ten years of study by the cold window, accompanied by the scientific and technological progress, gold content and all lowering hour. The educational investment cost soars successively, specialized lifespan is but transient, the educational investment return drops, the cycle of returns on investment is lengthened, proportional investment repayment. All this kind, prove the macroscopical factor stores the education financing on a great deal of unfavorable influence at present. 
Educate and manage money matters and is not only influenced by macroscopical factor, but it but also contacts micro factor closely. Go to school time, educational expenses have elasticity, qualification in child need what does it cost unpredictable, it decides parents' expenses to study competence in the child's achievement, the future of the inflation, input in education is uncertain in expectancy   
The child will accept the education soon to certain age, the time of entering school can't be postponed at will, can't look like and buy house, it is not enough for financial resources to delay a few years if for the moment. The fixed children in our country " educational law " have accepted nine-year compulsory education since 7 years old, generally graduate from the high school and enter the university at 18 years old. University education has already become the minimum threshold obtaining employment at present, it is the basic education that the parents must offer the child too. So, the free elasticity of education financing. 
The educational expenses are made the unified expenses standard by the school, treat to any student equally without discrimination, will not be different to some extent because students' family economies condition is rich or not. After the education industrialization reform, the greatest obstacle that the child goes to the college has not already been the up-to-standard grade of college entrance examination, depend on parents' financial resources to a great extent. Though school might offer scholarship too, limited planned number make, demand at student to win subsidy expect at all. National student loans can help meet an urgent need, take, afford interest. In a word, because educational expenses have elasticity, educate, must manage money matters plan as soon as possible. 
"Mother Meng in former times, select the neighbor; Son no learn, the disconnected machine reed. " "The hand centre line of loving mother, the alien is one suit of jackets. " What the education idea of China is paid attention to is an elder to mainly proceed from angle of the persons who teach to the younger generation's teaching, factor of the persons who seldom consider being taught. However, the research of modern educational psychology indicates, though everybody grows but equal, but the difference of personal natural gift natural endowment exists objectively. Long to see the son succeed in life,child can unquestionably Cheng Long. After child born, parents predict, publish at once while being very difficult, according to the talent of child, how many educational expenses does it need? Such as the child not very enterprising, the family education, making up the expenses soon relatively a bit higher of the cost during having and studying; The examination for entering school, does not once do very well but take an advanced study in the school that wants to enter well, parents need to turn towards the school to offer a large sum of supports; Some children have natural gift from, parents are for not stifling real talents, may spend more money to train children. Because no matter children's qualification is fine or not, it is unable to predict the size of spending correctly in advance, educate, should manage money matters planning education funds of child leniently. 
The educational expenses are from raising to using, the longest there can be the time span of 20 years, so must also consider the inflation factor. Though what our country faced is deflation in recent years, CPI index will begin to go up in 2005, more than 4% when being the highest, prove China's economy goes out of the possibility that the deflation steps into the inflation again. Review it in reform and opening-up over the past 27 years, there is only once in the deflation, time span is just a few years, the others are the inflation one in year, the inflation exceeds 10% in the highest year. The more abundant the consideration of the inflation is, the more secure the child's education fund is; Certainly, too high prediction is improper too, because increase parents' burden at that time, make the whole education financing impractical.