德国高校Master求定位

奥巴马后炮UID：3606363

背景：
本科985金融专业，平均分85，雅思7, GRE 315，两次实习经历（某公司财务部+银行），无奖无论文无牛推。


选校：
法兰克福大学 MMF，或者MIEEP， 柏林洪堡 MEMS， 曼海姆 Econ， 康斯坦茨 Econ， 图宾根 Econ & Fin

备注：
已拿到HK cityU Finance的AD，未来目标是走咨询或者投行央行等金融机构做分析，在国外工作几年再回国。


求大牛及前辈建议及录取可能性评估

sgyh0521UID：3609119

1. APS过了没？
德国高校，特别是公立，几乎都需要申请阶段交APS。即使申请的时候不用交，没有APS你也过不了签证。
私立只知道FSFM有团审，其他暂时没听说。

2. 为什么去IBD和Consulting要读Econ？Why not MSF/MIM/MBA？
而且你自己也说数学课成绩渣...Econ要用多少数学，本科如果学过应该知道的，更何况master。
你的备选学校里唯一与职业规划沾边的就是Frankfurt MMF，但这个项目的课程偏Macro，就业机会不太清楚

奥巴马后炮UID：3606363

sgyh0521 发表于 2016-4-12 13:23
1. APS过了没？
德国高校，特别是公立，几乎都需要申请阶段交APS。即使申请的时候不用交，没有APS你也过不 ...

谢谢建议。

APS证书必然是拿到了，去年过的。

自己主要是纯数学类课程渣渣，应用数学类的还好，统计83，计量88，数值分析93。私以为还是能handle Econ的，但最好还是想走Finance方向。申cityU的finance而没有申PolyU和德国Ulm的finance也是基于对自己数学渣的顾虑。

选Econ主要是因为德国那边Finance项目较少，Konstanz的Econ课程有偏Finance方向的选择，Mannheim因为没GMAT所以没申Management，这个项目下面有Finance and banking 方向，我只有申沾边的Econ。选Econ也是基于Econ跟Finance有相通之处，国内以后就业单位对这两个专业并没有特别区分。MEMS因为有management方向的课程自己也比较感兴趣，也能选择Finance方向课程，这个项目的课程难度较高自己也有所耳闻。CUHK的Econ是因为最早本着先选学校再选专业的方向申的项目，现在才来面试通知。

MMF是dream program 就是担心不一定能申到所以多申几个学校增加一点去德国的机会。

总的来说当然如果能去到Finance方向的必然更好，Econ只是第二选择。

sgyh0521UID：3609119

奥巴马后炮 发表于 2016-4-12 13:54
谢谢建议。

APS证书必然是拿到了，去年过的。

我的背景和情况和你还是挺像的，可以参考下我的定位贴：
https://bbs.gter.net/thread-1893902-1-1.html
@cheesechan 大神给了很多实质性的建议，包括德语区的选校问题。

奥巴马后炮UID：3606363

sgyh0521 发表于 2016-04-12 15:07


我的背景和情况和你还是挺像的，可以参考下我的定位贴：
https://bbs.gter.net/thread-1893902-1-1.html
@cheesechan 大神给了很多实质性的建议，包括德语区的选校问题。

卧槽，简直不是一般地像！已经邀请了那位大神。

cheesechanUID：3505689

Two questions:
1. What course do you mean for 纯数学课程?
Normally junior undergraduate level maths course like multivariate calculus, linear algebra are not counted as pure mathematics, but just fundamental stuffs.
What applied maths means in university level maths is things like differential equation, stochastic, numerical and optimization, and sometimes statistics; while pure mathematics is those analysis stuffs, and topology, number theory, geometry and etc.

I don't think a finance bachelor will ever had taken any pure mathematics (纯数学) course under this formal definition, and therefore I doubt you are don't have any decent maths background at all.

This is a very big problem while doing graduate level economics, and is also quite a problem for admission into any solid economics master. (how's your grade in intermediate micro and macro?)

2. Your career goal is definitely.......too board. Consulting + investment bank + central bank? are you sure you are not kidding, or you have 48 hours a day?

奥巴马后炮UID：3606363

cheesechan 发表于 2016-4-12 16:59
Two questions:
1. What course do you mean for 纯数学课程?
Normally junior undergraduate level math ...

Thanks for your questions.

Here is the answer:

1. I think I might have made a wrong definition of pure mathematics courses.  I mean foundamental mathematics courses like Advanced Mathematics and Linear Algebra. The grades of these courses are about 68 and 67. My grades in micro and macro are both around 85.

I clearly know that I may not qualified for admission into solid economics master. So I plan to pursue a master's degree in economic which includes a finance stream, like Msc. Econ in Konstanz and Msc. Econ & Fin in Tuebingen.

2. There is a priority in my career goals: Consulting  >> investment bank > central bank.

The one suits me best is consulting, but entering the consulting industry is quite difficult. Therefore I choose other fields as substitutes.

cheesechanUID：3505689

奥巴马后炮 发表于 2016-4-12 17:19
Thanks for your questions.

Here is the answer:

1. One point to make it clear:
a econ master which include a finance stream doesn't imply it is less solid that those without it.
It is a economics master with concentration in financial economics, or not. At the end, financial economics is just a subfield under economics, and thus those economics master with concentration in finance is just also an academics econ master.
(one clear example is to compare LSE / Cambridge MSc Economics vs MSc Fina & Econ, same logics holds for other programs over the world.)

In terms of mathematical requirement, I will say:
Financial Mathematics ~= academic economics >>>> applied economics / policy = general finance > management.
(i.e. I don't consider Ulm finance master is really quantitative. If you have to avoid it to survive, think twice if you can survive in a master in economics, or a master in economics with finance.)

2. and thus MiM is the major match you the best, general finance comes afterwards, while economics is way afterwards. Given you don't have GMAT, it is next to impossible to get any good MiM (and there are not that much good MiM in Germany too....Mannheim require GMAT, while WHU require GRE V above 155.).

try HSG MBF and fight for the CEMS after getting in. It also worth to check how this logic work in Koln.

kjreenUID：3239765

据我所知，德国的金融专业几乎都在BWL之下，而BWL大部分都是德语授课。另外BWL的课程安排和经济学还是有点区别的吧

cheesechanUID：3505689

kjreen 发表于 2016-4-12 19:42
据我所知，德国的金融专业几乎都在BWL之下，而BWL大部分都是德语授课。另外BWL的课程安排和经济学还是有点区 ...

OP can apply LMU, Mannheim, WHU, and etc.....which have their business master in English if he/she has a GMAT...

kjreenUID：3239765

cheesechan 发表于 2016-4-12 20:53
OP can apply LMU, Mannheim, WHU, and etc.....which have their business master in English if he/she ...

想起来了，柏林还有一个ESMT，也是柏林的那个大联合博士项目中的参与者

cheesechanUID：3505689

kjreen 发表于 2016-4-12 22:27
想起来了，柏林还有一个ESMT，也是柏林的那个大联合博士项目中的参与者

maybe also EBS too.......

but the downside of going to such a private school is......one has to pay really much more expensive tuition than a public one.

P.S. I strongly feel uncomfortable when a German business school has a introduction page in Chinese on their website. It sounds that it really need students (i.e. $$) since normally good business school won't do this so explicitly.

kjreenUID：3239765

cheesechan 发表于 2016-4-12 22:31
maybe also EBS too.......

but the downside of going to such a private school is......one has  ...

大概也是两难吧，不写中文会被说对中国人不友好（虽然还有很多更好的展现友好的办法），写了中文会被说就是喜欢人民币。

看了一眼每年学费比英国便宜，再看了一眼有奖学金。

我之所以知道这个学校是看到以前一个波恩大神的简历，在伯克利当AP，其中一个推荐人现在在那儿工作

cheesechanUID：3505689

kjreen 发表于 2016-4-12 23:02
大概也是两难吧，不写中文会被说对中国人不友好（虽然还有很多更好的展现友好的办法），写了中文会被说就 ...

I don't think it is a 两难, simply for the reason you stated "还有很多更好的展现友好的办法".
and also I don't think it is necessarily for a school to be friendly with Chinese (or any national) specially.
What they need to know is to have an page that's for information for those who hold an education from XXX country, for convivence of applicant from XXX country, e.g. which school they consider as a formal uni, how they convert the grades, and visa and etc...practical stuffs.

the tuition is lower than those UK one doesn't means that they are not trying to earn tuition from students. It simply means that the market price of it is not competitive as those UK one.

Scholarship..........can be understood as tuition waiver somehow, or economically called a tools for price discrimination. Just a normal business strategy.

I don't think it is a problem for a school to charge high tuition at all, iff they are able to provide education and service that worth the money.
But till now, I don't see things that worth the difference between a public and private school in Germany.

kjreenUID：3239765

cheesechan 发表于 2016-4-12 23:24
I don't think it is a 两难, simply for the reason you stated "还有很多更好的展现友好的办法".
an ...

基本同意你的观点。

德国的私立商学院还是有很多，连公车地铁上都有他们的广告，我理解是一部分职业教育的转型，还有大学教育体系改变以后的产物吧。柏林的那个学校算是这其中的“高端”商学院了。鄙校没有商业相关的专业，我对德国商科教育的了解也只是在听说的层面

至于中文页面，这都是拍脑袋的事，很符合德国人对付外国人简单粗暴又流于表面的风格。君不见德国火车站到处都可以看到阿拉伯语了。。