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Personal Statement
Applied Program: Economics

A graduate from Jinan University majoring in International finance, I am now working at the Department of Credits and Loans of Guangdong Commercial Bank, a bank with the best asset quality in China. The employees at the Department of Credit and Loans enjoy the highest salary compared with those in other departments and, on the materialistic level, I can be assured of a comfortable life. But an experience changed my ideas completely. As a member of Operation Hope—a non-profit and non-governmental project designed to assist school children in China’s poor regions to receive proper education, I traveled to an impoverished mountain village within 100 kilometers of the City of Guangzhou (the city with the most vibrant economy in China where the headquarters of Guanngdog Commercial Bank is based), I saw how poverty deprived a large number of piteous children from a proper education. Such a situation of unbalanced economic development is symptomatic of virtually the entire country. In my present application, I would like to choose Economics as my lifelong career pursuit simply because the development of China’s not sufficiently strong economy will strongly call for the input of economics for a long time to come.

I feel much indebted to Jinan University for giving me a sound academic environment in which I received systematic education in economics. I must say that I was deeply fascinated by this important discipline which is primarily concerned with making right choices under the circumstances of limited resources. Its rigorous system, its cogent logical analysis and its scientific models have made economics one of the most fascinating social sciences, one that bears the greatest realistic significance. In China, the biggest developing country with the largest population, it is of paramount importance to construct useful economic models by analyzing important economic statistics so as to achieve the most effective utilization of natural and social resources and to provide constructive guidance to the country’s economic development. This highlights the unique importance of economics.

My 4-year undergraduate program not only enabled me to establish a solid framework of economic and mathematic knowledge but also made me increasingly passionate about what I was learning. Such courses as Macroeconomics, Statistics, and Finance and Taxation provided me with useful tools to examine a country’s economic conditions from different perspectives. Courses like International Finance, Monetary Banking, Investment, and Economic Law allowed me to understand what an important role a country’s financial situation can play in its economic development. They also taught me how to make effective use of financing channels and exploit some foreign policies for the purpose of promoting the economic development of a country and to ensure its economic safety. In learning those courses, I came to be exposed to the essences of economics. My passion for economics resulted in my obtaining the highest scores in quite a number of core courses including International Finance and Macroeconomics.

Realizing that economics is a science more to be applied than theorized, I kept testing my fundamental theoretical knowledge through constant practices. With the help of the most recent statistics concerning the network development in China, my thesis The Growth of E-Commerce in China offered a detailed discussion of how e-business in China could best tap its potential by exploiting its inherent advantages—its ability to go beyond the spatiotemporal confines, to attract a great number of business partners and to reduce the financial costs of enterprises. On the other hand, the thesis pointed out that the infrastructure of e-commerce needed to be perfected, including the establishment of a network legal system and the dissemination of knowledge about the internet. Besides writing this important thesis, I participated in some major events. One of such events was a debate concerning the advantages and disadvantages of allowing Renminbi (China’s currency) to depreciate in the wake of the Asian financial crisis. As captain of our university’s debate team and as its main debater, I presented many powerful arguments by making recourse to the classical theories of economics and to substantial economic statistics. Though those activities failed to lead to concrete academic results in the form of publication, they nevertheless sharpened my professional sensitivity and improved my abilities in analytical reasoning.

China Merchants Bank is one of the few joint-stock commercial banks in China that has the greatest potential for development. The fact that I could find employment with this bank upon my graduation testifies to my usual ability to excel among a host of competitors. So far, I have accumulated one-year valuable work experience. At the bank’s Department of Credits and Loans, my main responsibilities include the market expansion of online bank and the initial investigations for loan projects. Before I came to work at the Department, it has never been engaged in any assets operations for fear of potential risks. I believed that, in order to make greater profits, our bank could try to increase deposit derivatives by introducing assets operations. As long as potential risks could be brought under effective control, assets operations could be a major source of profits. A company selling automobiles failed repeatedly to obtain loans from our bank. After a comprehensive investigation of the company’s business conditions and its reimbursement record with other banks, I submitted a report suggesting that loans should be granted to this company. As a measure to control potential risks, I proposed that automobile warranties could serve as collateral security. Finally, the deal was reached. With this precedent, our bank has now been conducting assets operations on a large scale. Another major achievement of mine is that, as the bank’s only employee who received systematic online bank training, I have been responsible for promoting online banking services for China’s domestic enterprises, even though such services have generally been treated with skepticism in China. I analyzed the different needs of our prospective clients, the nature of their businesses, and even their business psychology. With my dedicated efforts, a large number of domestic enterprises are now using our online services.

My one-year work experience has allowed me to gain an intimate understanding of the conditions of China’s banking industry. Many Chinese banks are very limited in scale and will be difficult to compete against their foreign counterparts amidst increasing globalization once the Chinese government ceases to provide protections to those Chinese banks. Some banks are severely deficient in capital and are in a state of “technical bankruptcy” due to the heavy burdens created by bad debts. Among 1000 major banks in the world, Chinese banks demonstrate fairly low levels in terms of various indicators of business performance such as pre-taxation profit, profit growth rate, capital proceeds rate, and property proceeds rate. To ensure its survival and development after China’s accession into the WTO, Chinese banking industry must make uttermost efforts to enlarge its scale, enhance its competitiveness and try to catch up with their overseas counterparts in technology, human resource management, services, product innovativeness, and market expansion. The knowledge and expertise that I currently possess are far from sufficient to meet the growing demands created by the development of China’s economy in general and of China’s banking industry in particular. Under such circumstances, I have made a resolute decision to pursue more advanced studies in the United States.

As the most economically developed country in the world, the United States has the most mature mode of market operations that ensure the order and the prosperity of the global market. An education in economics in the United States can allow me to directly grasp the essence of economics. The University of # # # enjoys an unparalleled academic prestige in the field of economics. Its School of Economics has a strong faculty and offers an ideal academic environment. Those factors make it my No.1 choice. I believe that my prospective degree program will endow me with the most updated economic theories and necessary professional expertise that will benefit me with a promising career as a well-trained economist.