上海交通大学上海高级金融学院2016年开学典礼于9月17日举行，MF项目程若愚、MBA项目的徐国樑、李楠， PhD/MS-PhD项目张兆成分别代表305位新生发言，他们都讲了些什么？对未来的高金生活及金融梦想又有哪些热切期待？

以下是四位新生代表的发言摘录。

很多人问我这样一个问题，你学艺术出身（清华大学美术学院），为什么要来读高金，为什么要来学金融？

我想先和大家分享我人生经历的一个小故事。我十五岁的时候学习偏科，英语总是不及格，我妈妈给我请了一位英语家教，但是成绩没有什么提高，我和老师说还不如把这些时间放在我比较擅长的科目上，这样总分还能提上去。可是这位老师说，“你这门学的不好，就更应该加把劲，人生能有几回搏？！” 我当时听了没有任何感觉，但是日后，这成为对我人生影响最重要的一番话。

我的第一份工作是在深圳一家港资企业，那时候大学刚毕业，但是我却击败了所有的竞争者，成为这家欧洲服装品牌中国区的总设计师。能够击败所有竞争者最重要的原因不是因为我名校毕业的履历，也不是因为我丰富的工作经验，更不是因为我出色的设计技能，而是因为我会说英文。我可以直接和面试官也就是我未来的领导直接用英文沟通。这应验了之前老师说的话，最差的科目，却变成了我最具竞争力的优势。

现在回答我为什么要来高金学金融？因为我不懂金融，我是来补短板的，希望这个让我最欠缺的弱点，成为日后最具竞争力的优势。高金是我求学生涯的一个新的开始，也是我人生旅途新的开始，在金融学科里面，我是一位新人，但也正因如此，我轻装上阵，不被教条束缚，满怀新人接受挑战的激情。

人生能有几回搏？其实包含着两层含义：第一，勇于选择有挑战性的目标；第二，不畏挑战之路的艰辛。人生路上我目前拼了四次，高考一次，突破语言关算一次，转型做管理算一次，还有辞职来上海发展。如果说前两次是众望所归，那后两次就总有质疑的声音，但是自始至终，我没有让别人的意见淹没自己的想法。不破不立，我相信自己的直觉，更重要的是勇于挑战自己和突破自己。步入了而立之年，我很高兴自己仍然有拼搏的目标和勇气，我也很感恩，在拼搏的道路上有你们同行。

   

人生能有几次搏？！让我们为了未来，携手在高金，就在这里再拼搏一次！

我来自上海浦东发展银行，负责近几年市场非常红火的同业市场业务，去年我的团队为全行砍下214亿净营业收入，这个收入占到浦发银行各营业收入的七分之一，但是在六年之前，这块业务的净贡献只有零。我们是如何完成这样一个跳跃的？我想给大家分享——诚信。

   

诚信在当今社会中与我们日渐远离，人们一边希望诚信，一边又不断的破坏诚信，我相信如果我们接受诚信，做到诚信，社会会越来越美好。

   

第一，首先是对自我的诚信。我们经常会说尽力而为，但是扪心自问，我们多少次真正尽力而为过？2008年的下半年我跟随我的领导来到总行，一共四到五个人的团队，需要完成制度的建设、培训、推广，系统的建设、测试和上线等一大堆的事情。这在同体量的银行，基本上要一百人左右的团队，历时两到三年的时间。那段时间我们最害怕生病，因为一个人倒下了会拖进度，为此我们当时买了很多补药提高免疫力，就这样我们都顶住了，系统正式上线了，我们做到尽力而为了。

第二，是对朋友的诚信，先做人再做事。钱财、地位都会随你而去，但是唯一不会离你而去的是经历和朋友。2013年的钱荒事件，我是负责全行流动性管控的，那时候隔夜利率一度跳升到30%，如果你不还钱，即便罚息也比从市场上借钱来还便宜的多，因此银行间的诚信体系受到了极大的考验。我们浦发银行当时做的非常好，坚守诚信的底线，每笔承诺都按时完成，受到了央行极大的表扬，更重要的是受到了广大同业的的认可，可以说完成了自我救赎，顺利渡过了一场又一场流动性危机。

   

第三，是正直、责任、担当。我们经常碰到理想与现实的冲突，怎么样看？我觉得只要这个事情是善良的，是有利于大局的，就应该勇于承担背后的责任。2012年有一个非常火的同业创新业务——回购式三方业务，当时如果浦发银行不做这个业务，很有可能保不住在股份制银行第一梯队的位置，但是如果跟进，可能会承担相应的合规风险。当时，在领导的支持下，我们决定承担这个责任，我对我的团队说，我们尽力而为去完成，如果出问题或责任我们来担。那一年我们四个月放了四千亿贷款，在浦发历史上绝无仅有，最后这些贷款全部收回了。

   

诚信对我来讲是很重要的人生感悟，与大家一块分享，是希望大家能够从这两个字里面找到自己对自己的认可，他人对自己的认可，只要大家都讲诚信，中国必将强大。

SAIF provides us the most talented and experienced faculty who are always willing to share their expertise and vision on the industry; the most generous and caring staff who want to help us grow and see us succeed; and most importantly, SAIF provides you, my classmates. You were the reason why I was nervous before and you are also the reason why I am excited right now. These past two weeks at SAIF has made me realize how important it is to surround ourselves with people that reflect who we want to become; people with talents, dreams and passions;people who are better than us so we can become better ourselves. We are here not to compete, but to collaborate and learn from one another, and just because all of you are among the brightest and the most diligent of our peers, I am sure there is something that I can learn from each one of you. I think we might have all feel anxious or lost at some point, but I also think that we will all enjoy this new beginning together.

One of my very favorite quotes was by John F. Kennedy. “We choose to go to the moon in this decade and do the otherthings, not because they are easy, but because they are hard.” Among the top Master of Finance programs in China, this one at SAIF is definitely rigorous and challenging, but we chose SAIF. We chose SAIF not because we thought it was easy, but because it’s hard. We chose SAIF because we are motivated and confident individuals who thrive under challenges and are not afraid of failures. We chose SAIF because we are aware of and open to diversity and want to study in an international environment that will help us build a global mindset and work without boundaries. We chose SAIF because we know it’s a place that values social responsibilities and we want to make a positive impact on development, share the task of improving this world, and use our knowledge in finance to help perfect the balance between economic development and social well being. I hope we all keep these in mind through out our time at SAIF, and when we take a step into the real world after two years.

To my personal understanding, there are at least in the following three aspects that we should improve ourselves in the following years at SAIF.

First and foremost, the basic enhancement we could gain from SAIF is the financial and managerial expertise. We need to obtain a deeper understanding of finance and management theories, develop advanced managerial skills, and most importantly, apply them appropriately and innovatively to both identify and solve business problems. Nowadays the conception of Big Data has gradually penetrated each field of study, especially business studies, which results in higher requirements of data cleaning, data processing and programing. We are supposed to be proficient in advanced quantitative and empirical methods and develop a fluency in financial data sources and analysis tools.

Furthermore, it is necessary for us to attain a current and functional knowledge of the business environment in China, including relevant best practices, and gain effective experience in the application of a global knowledge base to Chinese business. SAIF is committed to developing top talent and cutting edge knowledge, with a focus on Chinese markets and their global connections. As SAIFers, we will have the access to the world class teaching resources, and we should never forget to make full use of them with the practical and theoretical facts in the Chinese market, which is young but fast developing and full of treasures hidden to be discovered.

Besides the mastery of financial tools, it is of great importance that we develop critical thinking and effective communication skills. Critical thinking is not 'hard' thinking nor is it directed at solving problem, it is inward directed with the intent of maximizing the rationality of the thinker. We do not use critical thinking to solve problems, we use it to improve our process of thinking, which I believe is a key element for PhD students. Then, to explain our ideas clearly to others, we need the effective communication skills. Effective communication is accurately transmitting the symbolic concepts in your brain to the brain of another person or persons. Communication is called “effective” only if other persons could well receive and interpret the ideas as you intended. As business students, we are always involved in all kinds of communications, so developing effective communication skills will help to lead an easier life.

To end up my speech, I’d like to quote Emerson’s words, “No one can cheat you out of ultimate success but yourselves”. Please always keep in mind why you came to SAIF, and may all of us achieve our goals with SAIF!