曼大 经济学PS-2026

为剑桥大学、曼彻斯特大学、约克大学、伦敦大学学院和华威大学的大学申请所写

你为什么想学习这个课程或学科？

经济学能够深入探讨危机的复杂性，这让我着迷。当银行系统对房市价值上涨的盲目信任，并发放高达房屋价值125%的信贷时，我看到信息并不完美，因为这正是巨额利润的机会。监管机构未能发现这一点，以及银行为利润所采取的措施，比如影子银行系统，更令人担忧。我看到银行系统中存在不完美的信息，监管者不了解系统的复杂性，以及衍生品等产品被充分理解，因此无法得到妥善监管。大卫·史密斯的《免费午餐》让我接触到了逆向选择，我将其与银行危机联系起来;当银行为所有低余额、高活跃度客户设定统一价格时，它有可能被高余额、低活跃度、因此最有利可图的客户不利地选择。《免费午餐》还探讨了多位经济学家如大卫·李嘉图的研究，这让我更加关注经济理论的发展，因为我对理论如何不断变化和进步产生了兴趣。

我觉得全球化如何渗透各国，尤其是曾经坚不可摧的中国，让资本主义得以繁荣，令人惊讶。因此，我进行了关于中国及其对经济政策影响的扩展项目资格。我得出的结论是，中国成功改变了经济政策，使其能够获得资本主义的优势，而像邓小平这样的领导人推行了去集体化政策，带来了中国的繁荣。经济学在现实世界中具有如此重要的应用价值，以及其中涉及的理论分析，使其成为一个非常有吸引力的学习主题。我非常希望能深入探讨这个主题，深入了解这一多样且富有挑战性的学科。

你的资质和学习如何帮助你准备这门课程或科目？

我经常阅读报纸和出版物，比如《经济学人》，以了解经济新闻。我还参加过ASI和IEA等学会的讲座。诺曼·拉蒙特的一场题为《崩溃后的全球化》的演讲将金融危机与全球化联系在一起。他谈到了保护主义正在加剧，以及我们面临全球贸易放缓的风险。我意识到我们需要合适的监管;然而，各国需要保持贸易自由，因为贸易是增长的主要动力，将使复苏更快。相反，约翰·凯的《市场真相》描述了“一刀切”全球化如何伤害发展中国家，他将经济理论应用于现实的社会和文化背景。他认为市场不能被强加，而是进化和适应的总和，因此让我对此持更谨慎的视角。

扩展项目资格让我能够在课程大纲之外更深入地追求兴趣，项目和研究技能非常宝贵。我被邀请为校刊撰写一篇关于经济危机起源和发展的文章，这让我得以探索我已经感兴趣的一个领域。我得出结论，危机的发生是由于银行在次贷市场的高曝口以及未能负责任地放贷等因素造成的。

你在教育之外还做了哪些准备工作？这些经历为什么有用？

除了对经济学的热情，我还担任过两个职位的学长和学生观察员，承担了许多职责。作为一名学长，我曾协助一名九年级班主任，也帮助维持学校纪律。作为学生观察员，我参与了课程观察并获得后续反馈。这些经历让我能够参与学校生活，并为学校社区做出贡献。业余时间我喜欢打羽毛球、解逻辑谜题和阅读。

AI生成的反馈

这些反馈由人工智能生成，基于这份个人陈述的文本：

这份个人陈述有效传达了对经济学的真挚热情，并清晰地将兴趣与相关经济理论和现实应用联系起来。具体书籍、经济学家和演讲的纳入，显示出更广泛的阅读和参与度。扩展项目资格证书被广泛用于展示独立研究能力和更深层次的理解能力。课外活动和兴趣能全面反映申请者的形象。为了改进，句子之间可以稍微清晰地过渡，以改善流畅度。在所学资格与获得技能之间增加更明确的联系，可以加强第二部分。总体而言，该声明强有力，非常适合2026年及以后UCAS个人陈述结构的要求。

附上英文

Why do you want to study this course or subject?

The ability of Economics to delve into the complexities of crises captivates me. The banking system's blind faith in the rising value of the housing market when issuing credit of up to 125% of the value of a house showed me how there was imperfect information, due to the opportunity for huge profits. The fact that regulators had failed to spot this and the measures that banks took for these profits such as the shadow banking system was even more concerning. I saw how there was imperfect information in the banking system and how regulators did not understand the complexity of the system and how products such as derivatives were not fully understood and thus could not be properly regulated. David Smith's "Free Lunch" introduced me to adverse selection, which I related to the banking crisis; when a bank sets one price for all its low-balance, high activity customers, it risks being adversely selected against by its high-balance, low activity, and thus most profitable, customers. "Free Lunch" also considered the work of various economists such as David Ricardo and this made me look more into the development of Economic theory, as I became interested in how theories are continually changing and advancing.

I find it remarkable how globalisation permeates countries, particularly the once impenetrable China, allowing capitalism to flourish. Thus, I did my Extended Project Qualification on China and the effect this change has had on economic policy. The conclusions I came to were that China has successfully changed economic policy to allow it to gain the advantages of Capitalism and that leaders like Deng Xiaoping have carried out policies such as De-collectivisation leading to Chinese prosperity. The fact that Economics has such significant real world applications as well as the theoretical analysis involved makes it a very appealing subject to study. I would thoroughly enjoy delving deeper into this subject and learning more about this diverse and challenging discipline.

How have your qualifications and studies helped you to prepare for this course or subject?

I regularly read newspapers and publications, like the Economist, to keep up to date with economic news. I have also attended talks by societies such as the ASI and the IEA. One talk by Norman Lamont, titled "Globalisation after the Crash", brought together the financial crisis and globalisation. He spoke about how protectionism is increasing and how we risk a slow-down in global trade. I realised that we would need the right type of regulation; however countries need to keep trade free as it is the main engine for growth and will make recoveries much faster. Conversely, John Kay's "The Truth About Markets" describes how 'one-size-fits-all' globalisation hurts developing countries and he takes economic theory and applies it to a real life social and cultural context. He believes that markets cannot be imposed but are the sum of evolution and adaptation, thus giving me a more cautious angle on the subject.

The Extended Project Qualification allowed me to pursue an interest in more depth than the syllabus allows and the project and research skills are invaluable. I was asked to write an article for the school magazine, on the origins and development of the economic crisis, which allowed me to explore an area about which I was already interested. I concluded that the crisis occurred because of factors such as the banks high exposure in sub-prime markets and their failure to lend responsibly.

What else have you done to prepare outside of education, and why are these experiences useful?

Beyond my passion for Economics, I have undertaken many responsibilities as a Prefect in two roles and a Student observer. As a prefect, I have aided a Year 9 Form Tutor and I have helped keep discipline in the school. As a student observer, I have been involved in lesson observations with subsequent feedback. These have allowed me to become involved in school life and contribute to the school community. In my spare time I enjoy playing badminton, solving logic puzzles and reading。