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Оценка возможного вклада системы индивидуальных студенческих счетов и банка обучения в финансирование студентов, предоставление высшего образования и в обучение в течение всей жизни.

A system of Individual Learning Accounts (ILAs), organised within the context of a ‘Learning Bank’, has attracted widespread interest as a plausible means of achieving a number of policy objectives in the funding of learning opportunities. Notes on the literature to date are provided as an end note to this report.

 One salient objective of current policy is to stimulate well-informed behaviour amongst individuals and employers so that both parties are more inclined to augment public expenditure by investment in lifelong learning. In addition to the advantages that an increase in learning achievement can be expected to provide for the individual and collective good, the total revenue generated from an investment partnership of this nature should be capable of sustaining an expanded and effective system of post-compulsory education and training. Within this overall context, the adequate funding of students and provision in higher education constitutes one pressing problem.

 A system of ILAs appears to be timely and appropriate when considered against the background of ongoing changes in post-school education. In particular, the recent expansion of higher education and the emphasis now given to the role it needs to play in a system of lifelong learning have created conditions in which it is no longer adequate to conceive of university education simply as the last stage in a period of schooling.