Graduate student of finance, female classmate, do you have a good cigarette?

It depends on your purpose. If it's to make money, look for a job.

Since you are a financial professional, Yan Tubao and Bian Xiao will give you an analysis from a financial perspective.

The main reason why you are contradictory now is that you are considering whether to realize the book you have read for so many years now or in the long run. There is also a potential assumption that the present investment will make the present value of long-term realization higher than the present value.

Now the first question is, how will you analyze this problem next?

In order to compare the present value, we need some basic frameworks. What framework? The first is the enrollment expansion rate of graduate students, and the second is the average appreciation rate of assets. The third is the difference in annual salary between graduate students and undergraduates, and the difference in years.

The second question is where does the data come from?

After these three points set up a basic framework, we began to bring in data. As for the data source, you have to make a judgment now, that is, the influence of accuracy on the results. I judged that the accuracy of this analysis had little effect on the results, so we verified these data with Baidu.

At the beginning of the analysis, based on 1993, the annual enrollment expansion rate of graduate students is faster than that of undergraduates. It is speculated that the total number of students increased by 14 times during the period of 20 13, in other words, the average annual growth rate exceeded 14%. How to understand this? Can we look at it this way? The intrinsic value of postgraduate education depreciates at the rate of 14% every year. This is trend analysis.

The average asset appreciation rate is generally measured by m2, that is, money supply in a broad sense. This speed has been maintained at around 13- 15 in recent years, so let's take it as 14%. What does this mean? If you invest in graduate assets instead of going to graduate school, it should be value-added, and the average speed of value-added is the same as that of your graduate students. This is benchmarking.

Finally, talk about the wage difference. I consulted our staff. It is said that in general companies, this difference only gives extra points when recruiting, and then mainly depends on the length of service and personal performance. In other words, a large part of enterprises did not take education as a reference item in the salary assessment process. But there are still some enterprises that will be used as reference projects. Take this part of value first. How big is this value? As far as I know, the biggest difference is probably 1000 yuan per month. Then one year is1.2000. For the convenience of calculation, we adjust it to1.2000. How long is the enjoyment period? This mainly depends on your graduate graduation time. If it takes two years, it will be two years. Why? If your company really has this policy, others will fight for it. The only obstacle between you and others is time, and that is 20 thousand yuan. This doesn't reduce the seniority salary because you are a graduate student. In this way, it is hard to say whether it can be a number greater than zero. This is the difference analysis.

I don't need to tell the conclusion, do I? You don't need to do a comprehensive analysis and study the relationship between various influencing factors at all, so you can come to my conclusion above, right?

Having said that, I would like to add something from a non-financial point of view. Unless, I said unless, because I haven't seen it, and few people around me have seen it. Your postgraduate professional content conforms to the social trend and has a leading edge of 2-3 years, so I strongly recommend you to study. There are many opportunities in this society, but few opportunities. You can establish your leading edge from the beginning, which will be of great help to your career. However, what I see is that what schools teach now, especially finance, is behind the society for several years. I have seen many uneven reports since the graduate students came out. Why? Because teaching your teachers, they just make a living. Of course, there are good teachers, but your chances of meeting a good teacher are similar to your chances of winning a prize.

Therefore, in our view, graduate students are no longer an advantage, but an excuse to avoid responsibility.