學(xué)生故事 | 金融碩士CP分享—雙向奔赴的愛情,，成為更好的彼此（上篇）

來源：法國里昂商學(xué)院時間：2024-04-13

“這世界有那么多人,，多幸運,，我有個我們,?！北酒谛Ｓ压适率莾晌粊碜越鹑诖T士專業(yè)的畢業(yè)生劉思瑤和Arthur Toé,，因為emlyon相遇,，同在emlyon成長,。相互陪伴,，成就更優(yōu)秀的彼此。

劉思瑤和Arthur是在開學(xué)第一天的第一節(jié)Strategy課上遇見的,，可能是緣分,，Arthur坐在思瑤后座，女生問他要不要一組,，然后Statistic的網(wǎng)課就坐在一起,，這樣一來二去熟了以后自然而然就走到了一起。去年8月他們舉辦了婚禮,，開啟人生新的旅程,。“我們很慶幸能在最好的年華里遇到彼此,，也祝福大家能在戀愛里成為更好的自己和彼此,。”

讓我們一起來嗑CP,，但最重要的是聽學(xué)姐學(xué)長作為金融碩士專業(yè)的畢業(yè)生分享各自的經(jīng)驗和感悟,。

劉思瑤
2023屆金融碩士專業(yè)畢業(yè)生
Grant Thornton Luxembourg,International Direct Tax Advisory,Consultant

我是高考考到了澳門科技大學(xué)工商管理專業(yè)BBA，上到大二后,，轉(zhuǎn)學(xué)去了法國一所商學(xué)院繼續(xù)讀工商管理專業(yè),，繼續(xù)GBBA項目的學(xué)習(xí)，拿到本科學(xué)歷后,，在里昂校區(qū)繼續(xù)MSc in Finance(Corporate Finance方向)的學(xué)習(xí),。

Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant


Before taking part in the MSc in Finance at emlyon,I first did a master's degree in Finance at ESSCA business school in Paris,where it was more general,from corporate finance to econometrics.I then decided to take part in the MSc in Finance program at emlyon to focus on the quantitative aspects of finance and get some structured knowledge to get started with more advanced applied mathematics and coding.
In parallel,I also enrolled in the CFA program,for which I passed level 2 last November.


我們怎么認(rèn)識彼此，當(dāng)初對彼此的第一印象,？

劉思瑤
2023屆金融碩士專業(yè)畢業(yè)生
Grant Thornton Luxembourg,International Direct Tax Advisory,Consultant

我們是同學(xué),，在學(xué)校的第一天第一節(jié)Strategy課上遇見的，可能是緣分,，他坐在我后座,，我問他要不要一組，然后Statistic的網(wǎng)課就坐在一起,，下課后問他要我去哪里,，我一般都去圖書館，然后我們之后就一起去圖書館,，喝咖啡,，上課坐在一起，然后他就約我逛公園,，喝咖啡慢慢就自然而然的走在一起了,。我對他的第一印象是嚴(yán)肅,，認(rèn)真，想和我搭訕,，因為他問我要電話號碼,。

Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant


We met during the very first class of the year,which was a strategy course.The teacher asked us to build groups,and my taitai was sitting on the row ahead of mine.So we just asked each other if we were willing to make a group together.And we also followed the first online statistics class together.
The first impression of my taitai was that she looked studious,and she would make a great groupmate.She also looks way more outgoing than other Chinese students.


為什么會選擇金融學(xué)專業(yè)？


劉思瑤
2023屆金融碩士專業(yè)畢業(yè)生
Grant Thornton Luxembourg,International Direct Tax Advisory,Consultant

選擇去法國讀書,，是因為當(dāng)時在游學(xué)的時候,，比較喜歡法國的文化，法高商的排名比較好,，比較美高商,，性價比比較高，所以選擇了法國的一所高商繼續(xù)本科的學(xué)習(xí),。同時,，因為本科是GBBA，所以覺得自己對金融的理解比較欠缺,，里昂商學(xué)院的金融專業(yè)對比其他學(xué)校,，在有效的時間內(nèi)，授課的類別更廣,，是從基礎(chǔ)到Advance的進(jìn)階,，其次，其專業(yè)的項目排名也很好,，所以對于我自己的情況來說,，金融專業(yè)是一個很不錯的選擇。

Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant

Because the school is part of the top 5 ranking in France,and the quantitative track seemed really attractive to me.The international seminars were also quite appealing even though one of these didn’t happen due to covid-related restrictions.

Corporate Finance方向課程設(shè)置


劉思瑤
2023屆金融碩士專業(yè)畢業(yè)生
Grant Thornton Luxembourg,International Direct Tax Advisory,Consultant


我選擇的是Corporate Finance方面,，我覺得學(xué)校的課程在第一個學(xué)期上比較偏重基礎(chǔ),，之后的學(xué)期設(shè)置偏向于MA或者PE，或者之后走IB職業(yè)方向的同學(xué)可能會非常的適合,，具體的課程從非?；A(chǔ)的Macro，Micro到valuation,，M&A都有涉及,。
課程會更加側(cè)重于MA（并購）或PE（私募股權(quán)）等方面，這對于計劃從事投資銀行職業(yè)的同學(xué)來說非常適合,。課程涵蓋了廣泛的主題,，從宏觀經(jīng)濟學(xué)和微觀經(jīng)濟學(xué)的基本概念到更高級的估值和并購等領(lǐng)域。
Corporate Finance課程主要包括三個板塊：籌資,、投資和經(jīng)營,。


  • 在籌資方面，可以通過債券融資和股權(quán)融資來獲得資金。債券融資可以通過貸款或發(fā)行債券來實現(xiàn),，而股權(quán)融資則包括股東注資或發(fā)行股票,。不同的融資方式會有不同的成本，債券融資需要支付債權(quán)人利息,，而股權(quán)融資需要給股東分紅。因此,，我們需要考慮設(shè)計一個合適的融資組合（資本結(jié)構(gòu)）,，以降低融資成本并滿足融資需求。在這方面,，我們需要學(xué)習(xí)CAPM模型來計算股權(quán)融資的成本,，以及計算加權(quán)平均資本成本W(wǎng)ACC來評估融資組合。
  • 在投資方面,，我們面臨著不同的投資選擇和項目,。為了做出正確的投資決策，我們需要使用各種投資決策指標(biāo),，如NPV,、IRR、PI,、PP,、ARR、EAC,、payback回收期和multiple-PE等,。通過計算這些指標(biāo)并根據(jù)判定規(guī)則，我們可以確定哪些項目值得投資和何時投資,。
  • 在估值計算方面,，我們需要計算企業(yè)價值和證券價值。企業(yè)價值涉及計算企業(yè)的內(nèi)部價值,，而證券價值則包括股票和債券的估值,。為了掌握這些知識，我們需要學(xué)習(xí)常用的估值方法,，如DCF模型（折現(xiàn)現(xiàn)金流模型）和靜態(tài)估值法（如PE比率）,。
通過學(xué)習(xí)這些知識，我們可以全面了解Corporate Finance領(lǐng)域的核心概念和技能,，為未來的職業(yè)發(fā)展做好準(zhǔn)備,。


Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant

Overall I think that every course of the second semester was really interesting,and the lecturers were of high-quality(practitioners and academicians).Coding projects were quite great(in R and in Python courses).I personally went from“never having launched R”to making my first machine-learning project on my own so I could see my own improvement during the semester.We were free enough to make it interesting for beginners and for more experienced coders.

亦師亦友，感恩遇見

劉思瑤
2023屆金融碩士專業(yè)畢業(yè)生
Grant Thornton Luxembourg,International Direct Tax Advisory,Consultant


我們當(dāng)時有個M&A的case,，我們組選擇的是REIT的研究,，由于課題比較困難，Prof.Jerome Bruthe因為他之前一直從事于這個行業(yè)，所以他在業(yè)余時間給了我們額外的知識指導(dǎo)和思路引導(dǎo),。
同學(xué)的背景是很國際化的,，只要以法國同學(xué)為主，然后由來自于各個國家,，比如歐洲其他國家(意大利,，西班牙等)，摩洛哥,，中國,，印度等。這樣的多元背景使得我們在討論和合作中能夠帶來不同的觀點和經(jīng)驗,，進(jìn)一步豐富了我們的學(xué)習(xí)過程,。


Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant


I enjoyed quite a lot the classes with Mr TAVIN(Commodities markets course and Derivative pricing course)because he had a PhD,so he had some high-standard knowledge about academic studies and approaches,and at the same time,he had experience as a practitioner.This point,to me,is the best mix possible to make the lectures as enjoyable as possible and to get the most relevant answers from the lecturer.Besides,those classes were quite complete,from the basics and general knowledge to more advanced topics.Additionally,the derivatives pricing course was not only about theory but also focused on practical exercises during in-class sessions making it a very comfortable studying environment.
I would also like to mention R classes with Mr Coqueret,as I improved a lot,as previously mentioned.He turned the beginning of the learning experience,which can be quite painful,into something really enjoyable.He was also very open to answering any kind of questions regarding projects of professional orientation too.
What was interesting was that people had really different backgrounds.The cohort was international,with people from all around the globe.Most people had different interests and diverging ideas about what they wanted to do after the program,making it a great sharing moment.


海外游學(xué)模塊

Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant

With no surprise,the trip to New York City was amazing.Program representatives and coordinators did a great job at maintaining the trip and finding alternatives even though strikes at the airport in Lyon were declared about a day before the take-off.The two hotels in New York were very well-located.The schedule was great,mixing interesting conferences on a plethora of topics(from how to do business in the US;to the history of NYC and even cryptocurrencies)and some free time to make it more enjoyable for everyone.There was also a session where we should pitch a company(startup)to its own executives,and that was pretty interesting to get some feedback from them as well.

學(xué)校在實習(xí)就業(yè)方面是否提供過幫助？


劉思瑤
2023屆金融碩士專業(yè)畢業(yè)生
Grant Thornton Luxembourg,International Direct Tax Advisory,Consultant

學(xué)校有職業(yè)規(guī)劃的課程,，一直很注重soft skill和tech skill的共同發(fā)展,，在校友資源方面也很雄厚，畢竟是前5高商,，所以在企業(yè)招聘和校友資源方面我覺得是很大的一個優(yōu)勢,。我參加過學(xué)校的career forum，并和HSBC,，L’oreal,，P&G等招聘人員有過交流。我覺得在就業(yè)這方面,，學(xué)校是比較有優(yōu)勢的,。

Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant


There was a physical career fair during the year,which proved pretty handy for some of us.We also had access to the Job Teaser platform,which was quite active.
Additionally,it was possible to book 1-to-1 conversations with“career coaches”to get advice on career orientation,Resume writing/presentation,as well as having the possibility to practice for interviews.


通過在里昂商學(xué)院的學(xué)習(xí)，對自己未來的職業(yè)發(fā)展起到什么作用,？

劉思瑤
2023屆金融碩士專業(yè)畢業(yè)生
Grant Thornton Luxembourg,International Direct Tax Advisory,Consultant
  • 增強金融的專業(yè)知識和技能：Msc in finance的這些課程將幫助我們了解金融的不同方面,，增強的我們的金融技能，對金融市場有一些自己的小感悟,，這些都會為我們之后在職場上的行走打下堅實基礎(chǔ),。
  • 我們專業(yè)的老師們和課程設(shè)置都建于非常多豐富的實踐經(jīng)驗，Msc in finance為我們提供實踐機會,，例如M&A case,、Mazars，HSBC Challenge商業(yè)模擬等活動,。這些實踐經(jīng)驗將使我們能夠?qū)⑺鶎W(xué)知識應(yīng)用于實際情況,，并提供處理商業(yè)問題所需的實用技能。
  • 與商業(yè)人士建立聯(lián)系：里昂商學(xué)院的教師和講師都是商業(yè)領(lǐng)域的專家,，我們專業(yè)的學(xué)生有很多機會與他們建立聯(lián)系,，并從他們的經(jīng)驗和知識中受益,。
  • 其次，我覺得我們的同學(xué)是有來自世界各地的學(xué)生,。在這樣的環(huán)境中學(xué)習(xí),，是可以提高提高我們的國際視野。這將對我們未來在國際商業(yè)環(huán)境中的職業(yè)發(fā)展非常有益,。
  • 最后,，我覺得對于我來說，是一個明確自己職業(yè)目標(biāo)的過程,，開始對金融行業(yè)的各項細(xì)分有所了解,，知道自己的喜好，了解自己的過程,。其次，學(xué)校在國際排名,，教學(xué)方面,，就業(yè)方面和校友資源方面，都會都職業(yè)發(fā)展有很大的作用,。


Arthur Toé
2023屆金融碩士專業(yè)畢業(yè)生
Deloitte Luxembourg,Investment fund,Consultant


Taking part in this program helped to get through some screenings process and get some new opportunities due to the quite great ranking of the school and of the program.However,finding an internship or a job is not only about the resume but is highly dependent on how well one performs during interviews.The program provided the required knowledge to go through interview processes without having to do a lot of additional work to prepare for interviews.The program also helped me to start building a network,which is extremely important in today’s world.
The career courses are pretty interesting to help us getting started with out career,with workshops regarding the resume and motivation letters,as well as the possibility to schedule one-to-one interview with career coaches.


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