Personal Statement
              Applicant: B. G. H Applied Program: E-Commerce & Law

Success for a student at the post-graduate level depends on more than just sparkling credentials and monumental achievements in the past, although I do have my share of accomplishments. I have earned two bachelors degrees, one in Computer Science and one in Law, MCSE, MCDBA; I am a certified Chinese lawyer and a certified Chinese financial economist. Furthermore, I have six years of work experience in the headquarters of a prestigious commercial bank, which has given me proficiency in the international banking business, as well as experience as the leading developer of a large computer system that is being used at 168 institutions nationwide. In addition to my tremendous academic and professional accomplishments, I have the desire and motivation not only to earn my degree in your Master of Electronic Commerce program, but also to excel while I learn.

My years of work experience at the CITIC Industrial Bank, which is a top-ranked bank in China according to Moody's and S & P's rating evaluations, show that I have the ability to think creatively in using technology to make business operations run more effectively. I was chosen out of a field of sixty competitors for only two job positions available. From my very first day on the job I looked into how to effectively apply new technologies to the bank's business operations for more effective and efficient service. In February 1999, I was the co-leader of a team of more than twenty professionals that developed an international business system for the bank that covered all financial aspects and bank settlement processes related to international trade, such as documentary credits, international remittances, risk control, accounting, telecommunication with the Society for Worldwide Inter-bank Financial Telecommunication (SWIFT) system, and executing these tasks in accordance with Chinese law (Uniform Customs and Practice for Documentary Credits).

As the systems analyzer, my major task was to create the systems to deal with Risk Management and Customer Credit Control, two module groups that were critical to the overall system. Abiding by the various international conventions, national laws and the prevailing rules and regulations of the bank, I used Microsoft SQL Database skills to program a risk control system that integrated all individual and business transactions that brought effective control over the credit business of the bank. As evidence of my success, the important annual journal of the bank has twice mentioned the significance of this system that was developed with my co-leadership.

From that success, I moved on to develop a more electronically controlled international banking system. My idea was to develop three sub-systems, firstly a Customer Access System (CAS) that connected the bank and its clients through the Internet and thus allowed them to do import and export documentation at remote sites. The second sub-system was a management information system (MIS) for our international business that ran with the Local Area Net (LAN) technology and dealt with information collection and business control inside the bank. For the third subsystem, I worked with IBM to program a Content Manager System that served as a source of information from external international business systems. The system combined the cutting-edge technologies of database, Internet, imaging and security and was designed to enable centralized management of our international business information as well as the sharing of information and inquiry searches. These rewarding experiences showed me the revolutionary changes that are possible when technology is applied to business operations. This groundbreaking change in banking services is only the beginning of a trend that I wish to commit myself to work on whole-heartedly in the future.

It is important to possess some legal knowledge to undertake a program in Electronic Commerce. In this respect I am fortunate to have accumulated some practice knowledge and experience of business law, though I am not a law major by undergraduate training. Over the years I have developed an unusual familiarity with international trade rules and uniform customs and practice, including that of Documentary Credits, uniform rules for collections and the international standby practices. I have also exercised my foregoing legal knowledge in dealing with trade finance business for 26 major Chinese companies, with average amount of about USD 30,00,000 for each one. I have successfully settled four important cases, including the New York Bank's case with our bank about USD 930,000 letter of credit business (for which I was invited to visit its head office in New York), the Commercial Bank of Korea case with our bank about USD 200,000 for the conflict of banking reimbursement, the case about the rejection advice by the Chinese court to our bank's Nanjing Branch for the credit of letter business. Finally, I undertook a case study concerning our bank's Yantai Branch's international business cheating by their customers in which I discovered the dilemma of Chinese business legal system with international conventions and proposed feasible means to improve the banking business operation, especially when a cheating practice is involved. I believe that this law background of mine will be an important asset in my future degree program.

Technology is only part of the equation - the successful link of technology and business operations is not possible without a spirit of teamwork and creative minds. Fortunately, I possess both of these qualities. My success with the bank projects would not have been possible without the contributions of all of my team members. In addition to a team spirit, creative thinking is necessary to come up with new and innovative ideas. As an example, in June 2001 I met Mr. Lan Dezhang, who worked with a company called "Global Financiers for Pursuit of Overseas Education", who had a strikingly impressive idea. Mr. Lan's idea was to make it possible for students who dreamed of studying abroad to have access to foreign credit providers based on a guarantee issued by a Chinese bank on behalf of the student in the form of a stand-by letter of credit. Unfortunately, governmental restrictions on the use of foreign currency by its citizens made the idea seem impossible. However, believing it to be a good idea, I managed to persuade our bank's management to consider and support this proposal, and as the bank's representative, I began to work closely with Mr. Lan in pursuit of this idea. With our relentless efforts, finally in November 2001, CITIC Industrial Bank was designated by the Chinese government as the first and only bank in China that deals in the business of providing letters of credit to students who intend to study abroad. This success was personally rewarding to Mr. Lan and myself, as well as of great significance to the bank and to the millions of applicants that desire to study in foreign countries. This has made me realize that a good idea can help not only an individual to succeed in life but it can also help businesses, government and the overall good of society. I know that if I apply myself to studying towards the Master of E-commerce degree with Dalhousie that I will be able to develop bigger and better ideas that can help society as a whole.

During a visit to America in June 2002 for an international forum organized by American banks, I was able to observe the latest in technology and management ideas in the banking business. The leader of the forum said that the future is in the hands of those who are able to first create new business standards and operational specifications using the power of advanced technologies. This eye-opening visit also made me realize that the main differences in banking between China and advanced nations are more ideological than physical. This is one more reason that I desire to go abroad to study advanced courses and the latest ideas.

As a result, your MEC program is best suited to help me to reach my utmost potential. The program underscores the importance of the marriage of technology and business. The Internet and the World Wide Web have created a revolution in how business transactions are conducted. E-commerce has brought monumental changes in how people, institutions, business and even nations conduct trade and business. This rapidly developing field integrates conventional industry with the IT industry, thus requiring rich professional knowledge of traditional business as well as powerful and comprehensive analytical and problem-solving capabilities. The MEC program at Dalhousie provides the perfect place to become proficient in this field. My short-term goal is to graduate with excellence in the MEC program. My long-term goal is to return to China after graduation to apply the MEC theories in the research and development of E-commerce in China and to provide legal and business advice to the Chinese government, banking institutions and business enterprises.

My background makes me uniquely qualified for success in your program. I passed the critical National College Entrance Examinations and graduated from the University of Geological Surveys, a college that integrates computer science with instructional automation, ranked number 8 out of 52 students in the class. The China University of Politics and Law, the best law school in China, accepted me as one of only 40 students out of 500 applicants. I then successfully passed the national lawyer qualification exam and was one of only two students in the class to receive double A merits for the graduation program and my thesis. My rigorous and demanding education instilled in me a desire to never stop learning, so I passed the national financial economist examination and received MCSE and MSDBA certifications in 2002. I am the only one of 8,700 bank employees that holds top technical, legal and financial qualifications. However, I am not satisfied to rest on my past accomplishments. My past educational success as well as my professional accomplishments make me perfectly suited for the MEC program. I am looking forward to the challenges that I know I will face while earning my Master of E-commerce degree at Dalhousie.



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