求翻译：然而，“国外读研”是一个长远的投资，影响“国内读研”与“国外读研”之间选择结果的最大因素是折现率。因为我们选择中国股票市场作为“读研”投资风险的参照标准，但是我们知道，中国股票市场并不成熟，风险较大使得市场风险溢价较高，从而导致项目投资的风险溢价过大。从实际来看，教育投资风险是比较小的，在中国目前的投资环境下，教育投资的机会成本不太可能达到20.60%，因此“国内读研”还是“国外读研”的选择还需要根据个人的实际情况进行权衡，如果你觉得未来足够重要，也就是说折现率足够低，那么“国外读研”将是一个不错的选择。是什么意思？

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However, the research abroad" is a long-term investment and impact the domestic research" and "outside" research results choose between the most important factor is that a discount rate. Because we chose China stock market as a "research" the investment risk reference standards, but we know that Chi

However, the "foreign graduate school" is a long-term investment, affecting "national reading research" and "foreign graduate" choices between the biggest factor is the discount rate. Because we choose the Chinese stock market as a "graduate" reference standard of investment risk, but we know that t