隨著中國經濟的發(fā)展，金融行業(yè)逐漸成為賺錢的行業(yè)之一。而出國留學讀金融專業(yè)也成為中國學生和家長選擇的熱門專業(yè)之一。那么金融專業(yè)到底是學什么呢？申請人應該具備哪些素質與技能呢？許多人心里還是一個大大的問號。

從學術角度來講：金融專業(yè)是以融通貨幣和貨幣資金的經濟活動為研究對象，具體研究個人、機構、政府如何獲取、支出以及管理資金以及其他金融資產的學科專業(yè)，是從經濟學中分化出來的。主要研究現代金融機構、金融市場以及整個金融經濟的運動規(guī)律。該專業(yè)具體研究內容包括：關于銀行與證券、保險等非銀行金融機構的理論與實務，關于貨幣市場、資本市場與國際金融市場的理論與實務，關于金融宏觀調控及整個金融經濟的理論與實務，以及關于金融管理特別是金融風險管理的理論與實務。

也許你還是不清楚，那從通俗的角度來說明：金融早源起于經濟學，屬于經濟學的一個分支，但后來，隨著金融學的發(fā)展，逐漸發(fā)展成為一個獨立的學科。西方金融學宏觀上分為公司財務和投資學兩個方向。隨著時間的發(fā)展，在過去幾十年的時間里邊，金融學里面又出現了交叉學科，特別典型的就是金融工程學，Financial Engineering。從金融學的發(fā)展來講，漸漸偏向計算機化、數學化、工程化，所以其實從某種角度上來講，金融工程特別像精算?？梢赃@么講，在金融學領域如果不具備數學，數學模型和計算機化的金融工程的專業(yè)知識，是無法從事比較復雜的金融方面的交易，金融工具的產生，使金融交易越來越復雜化，越來越數學化，越來越計算機化。

畢業(yè)于金融專業(yè)的同學，日后可以在證券交易所，期權交易所，基金理財公司，風險投資公司以及各種銀行和監(jiān)管部門工作。用數學的方式解決現實中的問題，將可能會發(fā)生風險的機率降到低，終實現無風險的收益率?？梢妼τ趶臉I(yè)者來說，這是一個對于專業(yè)技能要求極高的一個工作。會計是一個比較具有專業(yè)性技能的專業(yè)，而金融工程和金融分析是比會計更加專業(yè)化的一個學科。所以對于數學基礎較弱的學生，選擇金融專業(yè)的時候還是需要慎重一些。

每年都會遇到一些來咨詢金融專業(yè)的學生和家長，所以總結了University of California, San Diego(UCSD)這個學校申請Master of Finance時的要求，以便大家在選擇專業(yè)的時候更有針對性，不要盲目。

1.一篇不超過500 words的Statement of Purpose.

先不要著急竊喜只需要寫500字就夠了，再來看下這500字需要涵蓋的內容：

A.How did you become interested in this field??Establish that you have had a long-term interest in the field and that you have taken positive steps in pursuing your interest. Give the committee members a sense of your particular talents and abilities and their relevance to your academic interests.

你是怎么變得對這個領域感興趣的？闡述自己一步步是怎樣追求自己的興趣的。展現出你獨特的天賦和能力。

B. What experiences have contributed toward your preparation for further study in this field??Demonstrate your interest by providing examples of research experiences, internships, work experience, community service, publications, or life experiences. Briefly describe what you did in each experience. Also, make sure to articulate what you have learned about the field and how those lessons stimulated you to pursue an advanced degree.

是什么樣的一個經歷，促使你要繼續(xù)學習這一領域?？梢詮难芯拷涷灒瑢嵙?，工作經驗等方面寫，表明你已經學到了哪些東西。

在線咨詢如何寫個人經歷

C. What are your future goals??Specifically state your degree objective (Master's or Ph.D.) and specify what subdisciplines you are interested in pursuing. For example, if you are applying in political science, the committee needs to know whether you are pursuing American Politics, Comparative Politics, International Relations, or Political Theory. Let the reader know that you are planning a future career as a university professor, researcher, or consultant, or in public service or private practice (or whatever your goal happens to be).

你未來的目標是什么？闡述清楚你的學習目標和職業(yè)目標。

D. What are your research interests??Within your subdiscipline, you should be able to identify one or two topics that are of interest to you. When possible, be specific about your research agenda. Remember that you will be working with professors in research; therefore, your research interests should parallel those of the faculty. (You will usually not be expected to know exactly what you want to research; faculty know that initial interests often change.)

你的研究方向是什么?可以選擇一到兩個你感興趣的研究方向來寫。

E. How are you a "match" for the program to which you are applying??Explain what attracts you most to the institution/program to which you are applying. Align your research interests with those of one or more of the affiliated professors. The better the "match" with the program/professors, the better the chance that you will be admitted.

你認為申請的這個專業(yè)跟你為什么是契合的？

Other factors to weave in (remember these are secondary factors):

Give examples of personal attributes or qualities that would help you complete graduate study successfully.

Describe your determination to achieve your goals, your initiative and ability to develop ideas, and your ability to work independently.

Describe background characteristics that may have placed you at an educational disadvantage (English language learner, family economic history, lack of educational opportunity, disability, etc.).

Leave the reader believing that you are prepared for advanced academic work and will be successful in graduate school.

除了以上五點外，學校還列出了其他一些你可以加入的要素，你的個人能力怎樣可以幫助你完成學業(yè)，也可以講出自己在某些地方的不足。讓讀者相信你可以已經做好準備讀書，并且可以成功畢業(yè)。

所以看完這個你是否覺得，這500字，字字需要斟酌呢？

2.計算機和數學能力的自我評估

Computational Tools

In this section, you will be asked to rate your level of expertise in a variety of computational tools. Please answer the questions using the following scale: 0 = Never used, 1= Novice, 2 = Intermediate, 3 = Advanced, 4 = Expert

Matlab / R / Mathematica / Stata / SAS / S-Plus / C++ / Python

Please list any other computational tools in which you are at least proficient.

請用0/1/2/3/4來回答，你對下列軟件的掌握程度。0是沒有用過，4是導師級別的。列出你還會的其他軟件名稱，但至少是精通級別的。

免費在線評估

Mathematical Background

In this section, you will be asked to rate your level of understanding in the following mathematical topics. Please answer the questions using the following scale: 0 = Never studied, 1= Basic Understanding, 2 = Intermediate Understanding, 3 = Advanced Understanding, 4 = Expert, I could teach the topic.

Linear Algebra / Multivariate Calculus / Differential Equations / Numerical Analysi