个人状态。Personal Statement

个人陈述

After finalizing the calculation，I closed my sour eyes and stretched my self in my chair . The exhausted yet ecstatic moment crystalized all my accalizedThe persisting and repeated data analysis allowed me to locate The flaw of an improper scale of fixed asset investment . on The other hand，The flawingfor instance，Financing channels and investment portfolio seem too narrow and lack divers ification that external changes such as political chech

结帐后，我闭上酸溜溜的眼睛伸向椅子。在筋疲力尽但欣喜若狂的瞬间，我收集了金融上第一次尝试的所有成果——，完成了项目评估中共享冰箱项目的模型设计。但是，如果——风险溢价作为附加5%包含在净现值(后NPV)折现率中，风险分析报告很快消除了我对NPV结果小于零的认可。我的模特设计有什么问题吗？通过持续、反复的数据分析，发现了固定资产投资规模不合理的缺陷。另一方面，有缺陷的建模也反映在场景计划中。例如，金融渠道和投资组合过于狭窄、缺乏多样化、政治变化等外部变化很容易影响公司的现金流。回想起来，我清楚地认识到定量技术和解决问题的能力有多强，所以在学术和实践中努力准备它。

In September 2017、I became finance major in xx university、followed by an exchange program in xx university in 2019、Where the two academic

2017年9月，我成为XX大学的金融专业学生，随后于2019年在XX大学进行了交流项目，两次学术经历为未来的学习奠定了坚实的理论基础。我在数学、金融、统计和金融工程等核心科目中取得了90/100的高分。与此同时，我学会了如何在金融建模中应用STATA和MATLAB等分析工具。

My passion for Finance also comes from my research experiences. For example, when participating in the academic research project examining herd behavior in the Chinese stock market, I discovered my interest in empirical research. I firstly conducted the empirical research based on the CH (Christie and Huang) model. However, I noticed that the CH model had its drawbacks and limitations as only when the majority of investors had irrational herding behavior, the stock returns and market returns would converge. Thus, this test method was likely to underestimate the existence of herding effect in the market and lead to a not significant test result. It was reflected that under the circumstances of a large proportion of retail investors in the market, the CH model didn't work in testing the herding effect. Consequently, I adopted the CCK model instead to overcome the limitations mentioned above by constructing the cross-section absolute deviation of returns indicator (CSAD) to effectively identify the herd behavior in stock market, because in the CAPM asset pricing model, the market is perfectly effective and hence the deviation between individual stock return and the market return is linear related to the market return. The hard-won discovery corresponded to the truth that knowledge starts from practice, and inspired me to get involved in more practices.

我对金融的热情也来自于我的研究经历。例如，在参与研究中国股市羊群行为的学术研究项目时，我发现了自己对实证研究的兴趣。笔者首先基于CH (Christie and Huang)模型进行了实证研究。然而，我注意到CH模型有其缺陷和局限性，因为只有当大多数投资者有非理性羊群行为时，股票收益和市场收益才会收敛。因此，这种检验方法很可能低估了市场中羊群效应的存在，并导致不显著的检验结果。这反映出在市场中散户占很大比例的情况下，CH模型在检验羊群效应时不起作用。因此，我采用了CCK模型，通过构建横截面收益绝对偏差指标(CSAD)来有效识别股票市场中的羊群行为，以克服上述局限性，因为在CAPM资产定价模型中，市场是完全有效的，因此个股收益和市场收益之间的偏差与市场收益是线性相关的。这个来之不易的发现符合知识始于实践的真理，并激励我参与更多的实践。

With a firm theoretical grounding in Finance, I took the initiative to seek practical opportunities to apply the learned principles and concepts in a real business setting. During the period interning in the market research department in XX Capital Management Co., Ltd, I assisted in carrying out research into China’s hedge fund market via selecting the appropriate target funds and conducting comparative index analysis toward them. The role has exposed me to cutting edge financial information and technology services, which sparked my interest in the investment field as well as enhanced my quantitative skills. Afterwards, I have worked as an investment department assistant intern in XX Securities Co., Ltd. Drafting due diligence report helped me remain abreast of industry trends, regulatory matters, and market events impacting funds, managers, clients, and the industry.

凭借扎实的金融理论基础，我主动寻找实践机会，将学到的原则和概念应用到真实的商业环境中。在XX资本管理有限公司市场研究部实习期间，我通过选择合适的目标基金并对其进行比较指数分析，协助开展了对中国对冲基金市场的研究。这个职位让我接触到了前沿的金融信息和技术服务，激发了我对投资领域的兴趣，也提高了我的量化技能。之后，我在XX证券股份有限公司担任投资部助理实习生。起草尽职调查报告帮助我及时了解行业趋势、监管事项以及影响基金、经理、客户和行业的市场事件。

In light of my career aspiration of entering the financial industry as a financial analyst in the short run and senior manager in the long run, the MSc Finance programme at UCL is a perfect match. The MSc Finance programme focuses on equipping students with a thorough understanding of the discipline, developing students' quantitative skills and the ability to integrate theories with practice especially in Time Series Analysis and Forecasting and Big Data Analytics, which fits well with my academic objectives. I firmly believe the proposed study can boost my future success in the financial industry.

鉴于我进入金融行业的职业抱负，短期内是金融分析师，长期内是高级经理，UCL大学的理学硕士金融课程是一个完美的匹配。理学硕士金融课程的重点是让学生对该学科有一个透彻的了解，培养学生的量化技能和理论与实践相结合的能力，特别是在时间序列分析和预测以及大数据分析方面，这与我的学术目标非常吻合。我坚信所提议的学习可以促进我未来在金融行业的成功。

注: 为保护学生隐私, 学校名及公司名以XX代替。

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