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*** I don't have Chinese input now, so I have to type in English***
Read this before you apply Finance phd:
Finance phd is hard!
Finance phd is hard!
Finance phd is hard!
Undergraduate is ok, master is easy, phd is hard!
If you did your undergraduate in U.S., and your gpa < 3.8, PHD WILL BE TOO HARD FOR YOU
If you did your master in U.S., and your gpa < 3.8, PHD WILL BE TOO HARD FOR YOU
If you don't have a STRONG MATH BACKGROUND, PHD WILL BE TOO HARD FOR YOU
Don't assume phd is at the same level as any earlier work, be fully prepared before you apply.
For those who don't believe me, you will know what I mean next year 
However, don't let anyone tell you that you can't do something. Try it yourself then you won't regret!
GOOD LUCK TO YOU ALL!
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