Student Finance for Chinese Universities
Chinese universities have recently started to attract a lot of students from abroad. The trend began in the 1950s and recent statistics shows that there were close to 410000 students studying in China as at end of the last decade. There were students from 125 countries and regions. There are undergraduates, postgraduates, doctoral students, trainees, scholars, and students pursuing research coming to China. China is one of the attractive education hubs. Infact, statistics shows that China was the 10th most popular destination for US students going abroad and third most popular non-western nation. However, foreign students cannot be employed in China while at study. Therefore, students must be able to support themselves and arrange for student finance before enrolling in a Chinese university. If you are one of them, how do you go about getting China university student finance? Read on.Government help to students seeking finance to study in a Chinese UniversityGood news is that the Chinese government is encouraging its colleges and universities to expand the scholarship amounts and widen the horizon of fellowships and scholarships to foreign students and China university student finance. They are also encouraged to collaborate with private sector and come up with attractive scholarships for outstanding foreign students.Already the Chinese government has approved finance worth $362 million to around 350,000 students looking to study in Chinese universities since the introduction of subsidized loans since 1999. The extent of subsidy provided by the government is 50% of the interest amount which is paid by the government and the remaining is paid by the students along with the principal.However the government itself recognizes that the percentage of students who actually got the loan approved stands at 31.2% which is low and the government would like to grow this figure. The main cause for the low percentage is attributed to the fact that the private sector banks are not too keen on providing finance to students who want to study in Chinese universities as the loans are not required to be backed by collateral. Whether loans will be given out or not is determined based on the credit worthiness of the students and the absence of collateral is a deterrent in providing finance. As of now the People’s Bank of China has appointed four main commercial banks to provide finance to Chinese students which are Bank of China, China Construction Bank, the Agricultural Bank of China and Industrial and Commercial Bank of china.However such finance schemes which look at subsidizing interest repayments are at present only available to Chinese students who are Chinese citizens and have passed the requisite academic examinationsI am not Chinese, can I still get finance to study in a Chinese University or China university student finance?There are finance programs available to international students who want to study in a Chinese University. One of the popular sources which the students are using today is to go to china by enrolling in an exchange program in a university that offers this option. Normally a host of universities have exchange programs going in which students from their universities visit universities abroad and students from universities abroad come and study in their colleges. These schemes exist not only for students who want to study but also for students interested in internship and working in these countries.The main requirements of getting finance are credit worthiness, passing the requisite tests and getting through interviews and in some cases having collateral against the loan as well. However in the case of China some universities additionally put up the condition that the students should have a working knowledge of Chinese or Mandarin to be eligible.There is a growing number of American students who are now interested in studying in China while in the past this was to gain exposure culturally and most of the students were of Chinese origin born in American the trend is changing now. More and more students are coming to China not only to gain cultural knowledge but also advance their careers professionally when they get back home. As a result commercial banks have also designed specialized finance programs with the needs of the students in mind and it is becoming increasingly easy for students to find such loans as China’s Universities are becoming popular as an international destination for further education.
Aerial Banner Advertising Has Higher Exposure Than Billboards, Magazines, Newspapers, Etc
Choosing the right type of advertisement is finding the advertisement that gains the highest rate of exposure. Exposure is critical for everyone. Exposure equals sales and higher profits. To the business minded professional, this is “must” if they want to continue to stay in business and keep a strong financially sound company.In the business world, advertising is a large expenditure. Usually the type of advertisement based upon the financial budget. Many choose the least expensive advertising without thinking of the exposure of the advertising. Inexpensive advertising limits high exposure. Price does not always mean it is the best deal. The quest is to find advertisement with high exposure for a reasonable fee.There are various ways to advertise. The typical forms of advertisement are newspapers or magazines. Unless these items are purchased, the exposure is quite limited. The exposure of these items based on circulation and demands of subscribers. Not everyone reads the newspaper or the magazine where the advertisement is placed. Due to the ease of internet and on-line readers, the subscriptions have been drastically lowered over the years. Thus, advertising by newspapers or magazines is not as beneficial or profitable.Billboards are another form of advertisement, yet the cost outweighs the actual benefit of the message being portrayed. The cost of billboard adverting is expensive. The exposure is limited to the area of the billboard. With the limited amount of exposure, the advertising on billboards is also not beneficial or profitable.Ads placed on taxicabs or the sides of buses are another form of advertisement. This also is limited to the areas of the vehicles. Limiting the exposure of the advertisements gets lost due to the selected region of travel.So what is the other option to obtain maximum exposure?Aerial banner advertising.Aerial banner advertising is a very advantageous. The aerial banner advertising has higher exposure than billboards, magazines, newspapers, buses, or taxicabs. It allows for a greater exposure to the information presented to the public. Based on the region selected, the exposure can reach vast numbers. This option is more profitable based primarily on the simple fact of exposure.The areas of chosen for the aerial banner advertisement to be displayed is selected by the individuals or business purchasing the service. The regions chosen can then be selected to achieve higher amounts of exposure. This option for advertising means more profits and higher yields based on the public awareness of the products or services available. Since exposure is the key factor in advertising, this is very crucial.The cost for aerial banner advertisement is based on numerous factors. The costs are affordable as well as reasonable. Based on the amount of exposure, the costs of this means of advertising are well worth the investment. The cost of using aerial advertising, as well as the exposure, means it is far best the option used by serious minded people who want the most exposure for the best value.To anyone who wants the best value for the advertising dollar, aerial banner advertising the only option.
Arnold Aerial Advertising is one of the many companies that provide such services. Located in New York, Arnold Aerial Advertising provides nationwide service with affordable rates.
Financing Loan – For What You Really Want
When talking of financing, it means you borrow money to pay for something that is valuable or has value. So a financing loan can be used by a person borrows money to financial institutional or bank. There are many types of loans, there is car or auto financing, home financing, business financing, student financing, etc.When you are looking for financial institution to have your loan, it’s more important that you get the right reputable lending institution that will give you an access to a suitable loan. Every lending or financial institution has different terms in payments and has different interest rate as well.The most common loan is the car, the business loan and student’s loan. For businesses, they might have financing loan to expand their businesses or need more funding to their capital. People who want to have a car can also avail the financing loan as well or people wants to have a house of their own. And if you want to go on with your study and lack of money, you can also avail this type of loan.Financing loan has a higher interest rate compare to regular loans and one must be aware of that although there are some that offer low interest rate but that financial institution is you need find. That is why the best way to get the lowest interest rates on loans to shop around, get quotes and compare.You can also find loans online through the internet where in you can get a free quote with easy access and convenient. Remember that in finding the reputable financial institution, one should be careful because even in the internet, there is still scammer. Shopping online is good for window shopping only and asks for free quotes since you cannot see personally the person online unlike when you go to their office.Borrowing for small amount of money, financing loan is not appropriate since you can borrow that to your relatives or friend without interest. What is important is that you have to pay what you borrow in due time. Going to financing loan for just small amount of money is not practical at all since you have to pay for the high interest rate.What is important when you go to financing loan, be sure you have a good credit record for them to accommodate you. Loan is good if you get profit from it and this is good for businesses and as well for home loan. Good planning is needed when you want to have a financing loan. Study it well and have some idea before getting a loan.Most of the financing loan, they ask for an asset or collateral to be sure that if ever you cannot pay your loan, they have something to pull out and sell it to gain back the money you borrow. To borrow is easy but to pay back is hard since you don’t know what will be your future takes. So think it over wisely before getting a loan.Think why other financial institution accept bad credit rating to have loan from them, it’s because the profit they will get is bigger, aside from the high interest rate, if you cannot pay on expiry date, they have to pull the asset which is the collateral and they have the power to do that. That is why one should read carefully the term and conditions before signing.