中文摘要：

在高等教育大众化背景下，居民家庭逐渐成为高等教育投资收益与风险承担的主体。利用结构方程模型方法对我国家庭高等教育投资进行微观研究。其结论表明，现阶段我国高等教育投入对教育收益的影响小于中等教育；高等教育投资对非货币性收益的影响大于货币性收益，但女性未从高等教育投资中获得显著的非货币收益。区域比较还发现，我国中部地区教育成本对教育收益具有较大的影响。

英文摘要：

With the development of higher education, households gradually become the main benefits and risk of investment in higher education investment. In this paper, we research with structural equation modeling approach to study the households in- vestment in higher education. The conclusions show that the impact of return to education of higher investment is less than see- ondary education ; Investment in higher education has more effects in non-monetary benefits than in monetary benefits. However, women group do not obtain significant non-monetary income effect from investment in higher education. The regional comparison shows that education cost of China＇s central region has more impact on education benefits.