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Personal StatementRisks follow my life since the early childhood. I sometimes believe that it is a curse and aboon as well. My father passed away in his sudden stroke at my age of about ten, and myfamily during that time was submerged in great debts due to the sad fact that my father

who was not ready to pass away and unprepared for this risk left my mother with littlepennies. For a long time, I have witnessed my Mom working hard and scrambling everycoin to support both children.At first, I cursed this unwanted risk occurring to my family, blaming that God was unfairto us who should have been blessed with luckier lives, yet knowing other cases of myfriends in the same boat, I began to realize that risks happen to any one of us, in all shapesand forms. Rather than seeing it as thing to deny, we should brave ourselves against bypredicting and giving solutions in time. Since that realization, my life sees significantchanges: I studied harder to prepare for my future, joined in social work to gain skills andsearched any problem related to the word problem solving and risk.High school years were the wonderful time for me to accumulate such a precious

experience to learn how to tackle problems. The subjects, like mathematics and chemistry,though full of mathematical formulae and figures, motivated me greatly, especially when Imanaged myself to interrelate all these mysterious figures to find a remedy to it. However,frankly speaking, there was one thing lacking in these years that I still found myself dealingwith relatively theoretical problems, instead of real-life ones.Bearing this in mind, I then condition myself to taking entrance exam into one of reputeduniversity where I majored in finance. Never could I feel more interested than thesemoments during which I, for the first time, faced the true-to-life issues with a series ofquestions awaiting for answers and presenting risks at the same time. The finance matterused to drive my family crazily, and now I again welcome it back with knowledge and in amore macro way, though. Actually, it not just an individual that suffered risks to the point

of abyss, but a nation can taste the unexpected and devastating troubles related to finance.And not until I spent two years working as a financier at Treasury Department after mygraduation is my concern about this field aroused. Here I was in charge of preparinganalyzed reports on the bank liquidity as well as processing monetary and foreignexchange deal with other banks. I have recognized the truth that even though Vietnam, mycountry, has been joining in international trading for long, opened the opportunities fornew market, and particularly witnessed the booming of banking industry to support othersectors to develop, it has not yet a complete mechanism in managing risks in businessdealings between banks and banks and entrepreneurs. Also, the study of predicting localand international risks remains quite modest and general, which explains why if a problemarises randomly, the area of finance is easily affected and opts for short-term solutions.

Typical examples are cases of early collapse of stock, gold markets to stagnating real-estate.Looking at the case of my father and the current situations of my nation, I have beendriven to dig deeper into this challenging field. I strongly believe that the root for existingproblems comes from the lack of careful study of markets, the lack of education for eachcitizens knowledge in my nation about what is meant by risk- handling. Therefore, Idecide to further my study in an international environment where answers can befound. With this in mind, I have embarked on my road to choosing the most suitabledestination of education, and your university has been my final choice when I have known

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that UK is the home to the world of accounting and finance, and especially your universityis the place training quite a few experts in this field. Besides, the matter of finance shouldbe taken into consideration. No sooner do I graduate your school than I , too, achieve theinternational degree and gain a wealth of knowledge and experience from your schoolsoutstanding professors. During the time I am studying here, I strongly devote my passion

and hope to play a part in glorifying your tradition. Coming back to Vietnam, I hope tocontribute my knowledge to enhancing my nations status, introduce the best education Ireceive here to my friends and the next generation and keep training myself to become abetter financier to deserve your schools tradition and the effort of professors teaching mehere, my community where I was born and emotionally attached, and myself who desire toadd more value to risk-management.