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MBA宝典3-第6章

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d me as a foreign exchange student in Japan and as a businessman working with people of different cultures and backgrounds。 
Pampered materially and nurtured emotionally in Seoul; I lived with relatives close by and a helping hand available whenever I needed it。 My school; while stiflingly petitive and mitted to regular doses of corporal punishment; presented a system which I understood and was familiar with。 Although the neighborhood lacked open areas; it was a closekit munity where children addressed the lady next door as 〃aunt〃 and housewives frequently shared recipes。 I was pletely at home; ethnically; linguistically; and in every other respect。 
My new life in Prichard contrasted sharply with my old one in Seoul。 The neighborhood; while serene; lacked the extended support network of friends and family I had back home。 School frustrated and demoralized me because I had learned only the first fourteen letters of the English alphabet and a few basic words before our arrival。 After a fourteenhour workday in the family restaurant; my exhausted parents were unable to help me。 Further pounding my difficulties; I experienced racial bigotry for the first time in my life。 Ethnic slurs and insults; which I managed to understand with rapidity; made me painfully aware I was different from others。 
In the face of these obstacles; I started to question the purpose behind immigrating to the U。S。 Seeing my parents' exhausted silhouettes seven times a week; I began to understand the motivation behind the move that forever altered my life: a chance at a brighter future in the U。S。 Because no one could help us; we had to help ourselves。 Armed with this reinvigorating realization; I began to hoist myself out of loneliness; helplessness; and disfort。 
Since my school did not offer remedial English classes for immigrant students; I began studying with only the help of an EnglishChinese dictionary。 Although I was focused and determined; streams of below average grades acpanied my first year in school。 Nonetheless; by expending two to three times the effort of others; I started to notice signs of improvement。 A welltimed vote of confidence came from my seventhgrade reading instructor; Mr。 John Smith。 In his class; the highest possible grade —— a B —— was given to only one student per school year。 Aiming for that coveted prize; I managed to improve my grades from a D in the first semester to the B in the final semester。 At the yearend award ceremony; Mr。 Smith specifically mended my achievement in front of the student body。 While I received many other academic accolades in later years; no one validated my efforts and boosted my selfconfidence more than that short yet significant praise。 
Although it has been fourteen years since I arrived in Prichard; the immigrant experience has strengthened my character in ways that will be professionally and socially beneficial for years to e。 As an immigrant child; I learned how to transition from one culture to another。 This skill helped me when I had to make that transition again as a foreign exchange student in Japan。 Additionally; having experienced the degradation of ethnic bigotry; I have learned to be sensitive toward different people and cultures。 
MBA个人助学贷款业务简介
个人助学贷款:个人助学贷款是指建设银行向大专院校的学生发放的人民币担保贷款。
个人助学贷款的用途:用于借款人支付在校期间的学费和生活费。 
个人助学贷款的对象:年满十八周岁具有完全民事行为能力的大专院校在册学生。 
借款人的具体条件:
其所在院校必须与建设银行签定《个人助学贷款合作协议书》; 
必须是大专院校在册学生,提供学生证; 
在校表现良好、身体健康; 
自己或父母、亲戚有稳定的收入来源,能按期偿还贷款本息; 
能够提供具有代偿能力的担保; 
借款人要在建设银行开立活期储蓄帐户。 
贷款额度:个人助学贷款额度不低于人民币2000元(含2000元),最高贷款额度不得超过人民币2万元(含2万元)。其中:采取抵押方式的,贷款额度不得超过抵押物价值的70%;采取质押方式的,贷款额度不得超过质押物价值的80%。 
贷款期限:最短期限半年,最长期限不超过5年(含5年),但最长期限不得超过借款人毕业离校的时间。 
贷款利率:按中国人民银行规定的同期贷款利率执行。 
贷款的发放:根据贷款的额度、贷款的期限、用款计划,个人助学贷款可采取一次申请后,一次发放和分次发放两种方式。 
借款人应提供的资料:
本人有效身份证件、学生证的原件和复印件; 
所在院校出具的学生鉴定材料; 
能够按时还款的收入证明; 
提供的担保证明。 
担保的方式与具体要求:
借款人向贷款人申请个人助学贷款,要提供有效的担保、担保方式有保证、抵押和质押三种。 
借款人以保证方式申请贷款的,在获得贷款前,必须由保证人与建设银行签定《保证合同》,该项保证必须明确是连带责任保证。保证人可以是法人,也可以是自然人。 
借款人以抵押方式申请贷款的,若建设银行认为必须办理抵押物登记手续的,则应在获得贷款之前办妥,并由抵押人与贷款人签定《抵押合同》。 
凡设定抵押权的财产,若贷款人认为有必要办理财产保险手续的,借款人应根据贷款人的要求,专项办理保险理赔的受益人为贷款人的全额财产保险,保险期限要求长于贷款期限。 
借款人以质押方式申请贷款的,若贷款人认为必须办理质押物登记手续的,则应在获得贷款之前办妥,并由质押人与贷款人签定《质押合同》。借款人以债券或存单等设定质押权,不必办理质押物的登记手续。 
在贷款放款前,若贷款人认为有必要,借贷双方可以会同到公证机关办理借款合同及担保合同的公证手续。
贷款偿还的规定: 
贷款期限在1年以内(含1年)的,实行到期一次还本付息,利随本清; 
贷款期限在1年以上的,借款人从贷款支用的次月开始按月等额偿还贷款本息。
借款人提前偿还贷款,应提前15天向贷款银行提出书面申请,已计收的利息不随期限、利率变化而调整。 
贷款偿还的方式: 
偿还贷款本息的方式有两种,借款人只可选用其中一种方式还款。 
根据借款人与建设银行签定的《借款合同》中约定的还款计划、还款日期,建设银行从借款人活期储蓄帐户中扣收当期应偿还贷款本息。借款人必须在扣款帐户存有足额的存款,如扣款帐户被冻结、挂失,借款人还应及时提供新的扣款帐号。 
借款人到建设银行营业网点偿还。 
借款人归还逾期贷款只能到营业网点还款。 
贷款利率及每月还款额: 
个人助学贷款月均还款额表 (借款金额为一万元) 
期限 年利率(%) 月利率(‰) 还款总额 月均还款额 利息负担总和 
半年 5。58 4。650 10279 到期付清本息 279 
一年 5。85 4。875 10585 到期付清本息 585 
二年 5。94 4。950 10630。56 442。94 630。56 
三年 5。94 4。950 10942。20 303。95 942。20 
四年 6。03 5。025 11279。52 234。99 1279。52 
五年 6。03 5。025 11608。20 193。47 1608。20 
个人助学贷款实例: 
小李是某名牌大学二年级学生,品学兼优,学习成绩在班上名列前茅,因父母购买商品房,将多年的积蓄已花得差不多了,父母虽然有稳定的工资收入,但每学期拿出5000元的学费却力不从心,怎么办呢?建设银行个人助学贷款给你分忧解愁。从建设银行借款1万元,期限2年,每月连本带息向银行付款不到450元,父母拿出一个人的收入不仅能还款,还能用于日常开支,完全可以承受的啦! 
现在北京地区的办理说明: 
海淀支行:清华大学、北京大学、中国科学院研究生院、中国人民大学、北京外国语大学、北京师范大学、北京医科大学、北京科技大学、北京航空航天大学、北京理工大学、中国政法大学、北京邮电大学、中国农业大学、北京交通大学 
东四支行:中国社会科学院研究生院、中国协和医科大学 
朝阳支行:北京广播学院、对外经济贸易大学 
MBA考试方式焦点转移
准备参加即将来临MBA考试的人们请注意! 
〃这是因为面试比笔试更容易评估一个人的能力,素质,以及对管理的认识,〃北京大学光华管理学院副院长说。 
〃通过这种方式,我们可以发现哪些人更有资格成为未来的管理人员。笔试只做为及格证明考试。〃朱善利补充道。 
〃很多人在成为MBA成员之前根本不知道什么是MBA。一些人加入的原因仅仅是由于MBA听起来象是能有个光明的前
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