河南省外国留学生政府奖学金申请表

APPLICATION FORM FOR HENAN PROVINCIAL GOVERNMENT SCHOLARSHIP

请申请人认真阅读本表第四页的填表说明。请用中文或英文填写此表格。请用电脑打印或用蓝色或黑色钢笔认真
书写表格内容。请在所选项框内划‘X’表示。不按规定填写的表格将视作无效。
Please read carefully the important notes on the last page before filling out the form. Please complete the form in Chinese
or English. If the form is not filled in on PC, please write legibly in black or blue ink. Please indicate with‘X’in the blank
chosen. Any forms that do not follow the notes will be invalid.

1. 申请人情况/Personal Information:

2. 护照用名/Passport Name: Ahmed Gamal Ahmed Shamandy

姓/Family Name: AHMED SHAMANDY

名/Given Name: AHMED GAMAL

国籍/Nationality: EGYPT 护照号码/Passport No.: A27075656

出生日期/Date of Birth: 年/Year 1995 月/Month 11 日/Day 15

出生地点/Place of Birth: 国家/Country: Egypt 城市/City: Aswan

男/Male：□ 未婚/Single：□

母语/Native Language: Arabic

宗教/Religion: islam

当前联系地址/Present Address: 13ezbethaghagy-komombo-aswan

电话/Tel: 201140657574 传真/Fax: _______________E-mail: ahshmandi20151010@gmail.com

永久通信地址/Permanent Address: 13ezbethaghagy-komombo-aswan

3. 受教育情况/Education Background:
学校 在校时间 主修专业 毕业证书及学位证书
Institutions Years Attended Fields of Study Certificates Obtained or
(from/to) To Obtain
Al-Azhar high school 2010-09 to 2013-06 scientific high school certificate
Al-Azhar university in Cairo 2013-09 to 2017-05 Accounting and finance bachelor degree

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 3.工作经历/Employment Record:
工作单位 起止时间 从事工作 职务及职称
Employer Time (from/to) Work Engaged Posts Held
The national bank of Egypt 2019-07-01 to 2020-01-30 banking SME's collection
Banque Miser 2020-03-01 to now banking Micro finance and credit specialist

4.语言能力/Language Proficiency:
a).汉语/Chinese: 不会/None：□
HSK 考试等级或其他类型汉语考试成绩/ Level of HSK test or other certificates which can show your

Chinese level: None

b).英语/English: □ 好/Good：
我的英语水平可以用英语学习/I can be taught in English: 是/Yes □

c).其他语言/Other Languages: Arabic

5.来华学习计划/Proposed Study in China:

a).申请来华学习类别/Level of Study in China

硕士研究生/Master’s Degree Student：□

b).申请来华学习专业或研究专题/Subject or Field of Study in China: economics and business administration

c).申请院校/Preferences of Institutions of Higher Education in China:

Ⅰ.Zhengzhou University Ⅱ. ________________________ Ⅲ._______________________

申请专业学习时间/Duration of the Major Study:

自/From：年/Year2021 月/Month 09 至/To：年/Year2024 月/Month :07

6.拟在华学习或研究的详细内容（可另附纸）/ Please Describe the Details of your Study or Research Plan in China
(an extra paper can be attached if this space is not enough):

Research Proposal on Online Banking System or E- Banking

Chapter-1 Introduction INTRODUCTION WHAT IS ONLINE BANKING SYSTEM? The main purpose that banks
have been serving since their inception is keeping our money safe for us. While keeping our money safe, they also
let us earn a certain amount of interest on the money deposited with them. Traditional banks have been doing this,
and internet banks continue the same function. The only difference is in the way the transactions are made. We all
know about internet banking and most of us use it quite often as well, but few of us actually understand about the
history of internet banking and how it all came out. Knowing the history of internet banking can be incredibly useful,
especially since it will allow us to have more respect for the little things that we take for granted. Computers
themselves have really come an enormous way since their initial establishment, as the earliest electronic computers
were so large that they would take up the entire area of a room, while today some are so small that they can hardly

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be seen at all. In today's world, computers play an incredibly large role in the way the world exists in general, and the
majority of tasks could actually not be completed if not for the use of Page | 10computers. Although there are
certainly some areas and jobs that cannot yet be completed solely by computers and which thus still require actual
manpower, for the most part, computers have helped to make life significantly easier, productive, and more
convenient for us all. Internet banking has been around for quite a few years now, but has really only become
prominent over the past year or so in particular. Internet banking offers an array of different advantages to the user,
including: account balances and history including year-to-date information, the ability to transfer money from one
account to another and to payees for bill payments, check history, reorders, and stop payments, check credit card
balances and statements, complete online loan applications, secure interactive messaging with staff, and much
more. Internet banking basically allows you to be able to do everything that you can in your regular banking
institution, only with the benefit that you can do it all right from the convenience of your own home. Not only is this
great because you can be comfortable and have peace of mind knowing that you can keep track yourself of all your
banking issues, but as well it allows for more ease because you never have to worry about rushing out and making it
to the bank. 1.1 STATEMENT OF THE PROBLEM With the problems and limitations associated with manual
banking procedures as witnessed in most parastatals today, complied with the problems associated with the existing
application programs even much more in the presence of serious technological advances aimed at improving
information system. This is activities aimed at shedding light upon the need for improvement in accounting activities
and the means of achieving its efficiency, effectiveness, reliability and success promising future through computer
intervention. Internet banking identifies a particular set of technological solutions for the development and the
distribution of financial services, which rely upon the open architecture of the Internet. With the implementation of an
Internet banking system, the banks maintain a direct relationship with the end users via the web and are able to
provide a personal characterization to the interface, by offering additional customised services. 1.2 PURPOSE OF
THE STUDY The aim of this project is to develop a secured online banking system with the following objectives: •
Create a banking system that is easily accessible by customers from the comfort of their homes, offices etc. •
Reduce the flow of human traffic and long queues at banks • Reduce the time wasted in going to banks to stay on
queues.

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• Promote efficient and effective banking for the banks by focusing on those services that still require physical
presence at the banking hall. 1.3 IMPORTANCE OF THE STUDY This will cover the benefits derived in using
internet banking and it’s fundamental. 1.3.1 ONLINE BANKING – HOW IS IT DIFFERENT? Many consumers today
are turning to the ease and convenience of Internet banking to take care of their financial needs. With the new levels
of access made possible by the Internet, people can now check the status of their finances with the click of a button.
The history of Internet banking has evolved from simply allowing customers to check balances online, to now being
able to trade stocks and bonds from the comfort of their own home! 1.3.2 WHY USE ONLINE BANKING? Online
banking services have grown from simply allowing customers to check balances, to trading assets. Today, banks
like ING Direct are functioning entirely online, with no brick and mortar building. With the costs saved by requiring
fewer employees and the lack of facility expenses, these virtual banks can often offer higher interest rates than their
traditional counterparts. Internet banking gives you the power to control your finances completely. You are no longer
tied down to managing your money during the hours the bank is open. If you want to transfer a balance after
business hours, you can! If you have access to the Internet and have a number of recurring monthly bills, then you
should use Internet banking to make your life easier. 1.3.3 FEATURES OF ONLINE BANKING Today, online
banking services are quite varied. One of the best features of online banking is putting the user in control. The user
controls all bill paying, transfers, and investments from home. There are other features, though of online banking.
One of these is increased accessibility to your account information. Users of online banking services can access
their account information from anywhere in the world! This is particularly helpful for businesses. Internet business
banking is becoming increasingly popular, as businesses are becoming more global in their reach. Now business
people can access their accounts, even when on overseas business trips. Business Internet banking is extremely
popular for this reason. A particularly popular aspect of online banking services is the ability to make bill payments
electronically. With a minimum degree of set-up, customers can enter the amounts of their paper bills (or opt to
receive electronic bills) and process all their payments at one time, from one screen 1.3.4 ONLINE BANKING
SYSTEM IN BANGLADESH A number of private as well as local banks are going online now considering the
demand and necessity of fast banking. Internet banking not only provides banking facility round the clock but also
helps a country to get attached to the international economy as well as business. People throughout the world are
now getting engaged with more activity and business and hence need the fast and anytime access to his/her bank
account. Internet banking also facilitates buying and selling various products which varies country to country. In
Bangladesh many banks have launched Internet Banking. Some are known as online banking, some are Internet
Banking, providing various facilities. They have the facility of money transaction, deposit and withdrawal though they
charge a particular amount for each transaction according to their policy, it is a relief if you don’t have to go to bank
for depositing and drawing money, isn’t it? They thought of something more and desiring and customized the service
to its best for their clients and getting better day by day. HSBC has a whole lot of features in their online banking that
includes 24/7 account access, loan account information, net- worth information, transaction amongst accounts, bill
pay, personal information update, demand draft, info or PIN replacement request, chequebook order and lot more.
BRAC bank is one step ahead because for the first time they have introduced online shopping in Bangladesh. With
exclusive features and facility BRAC bank also provides general online facility like the other banks. Those who may
have BRAC Bank VISA card or any VISA card can be a part of this online shopping service. As the world economy is
growing faster and banking sector is making mark each and every day,

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online banking is very important and effective to be a part of it. Bangladesh just started its journey in internet banking
and banks are coming forward to make it a success. Online banking is clearly a huge benefit for the customers and
saves a lot of time and things get done so easily. A developing country like Bangladesh can make the best out of
Internet Banking and banks are completely into it. 1.4 SCOPE OF THE STUDY The scope of this project is limited to
the activities of the operations unit of the banking system which include opening of Account, Deposit of funds,
Withdrawal of funds and transfer. 1.5 METHODOLOGY • Analysis – proper analysis and suggested solution to
tackle such problems will be considered. 1.9 VARIOUS FORMS OF E-BANKING: 1.9.1 INTERNET BANKING:
Internet Banking lets you handle many banking transactions via your personal computer. For instance, you may use
your computer to view your account balance, request transfers between accounts, and pay bills electronically.
Internet banking system and method in which a personal computer is connected by a network service provider
directly to a host computer system of a bank such that customer service requests can be processed automatically
without need for intervention by customer service representatives. The system is capable of distinguishing between
those customer service requests which are capable of automated fulfillment and those requests which require
handling by a customer service representative. The system is integrated with the host computer system of the bank
so that the remote banking customer can access other automated services of the bank. The method of the invention
includes the steps of inputting a customer banking request from among a menu of banking requests at a remote
personnel computer; transmitting the banking requests to a host computer over a network; receiving the request at
the host computer; identifying the type of customer banking request received; automatic logging of the service
request, comparing the received request to a stored table of request types, each of the request types having an
attribute to indicate whether the request type is capable of being fulfilled by a customer service representative or by
an automated system; and, depending upon the attribute, directing the request either to a queue for handling by a
customer service representative or to a queue for processing by an automated system. 1.9.2 AUTOMATED
TELLER MACHINES (ATM): An unattended electronic machine in a public place, connected to a data system and
related equipment and activated by a bank customer to obtain cash withdrawals and other banking services. Also
called automatic teller machine, cash machine; Also called money machine. An automated teller machine or
automatic teller machine (ATM) is an electronic computerized telecommunications device that allows a financial
institution's customers to directly use a secure method of communication to access their bank accounts, order or
make cash withdrawals (or cash advances using a credit card) and check their account balances without the need
for a human bank teller (or cashier in the UK). Many ATMs also allow people to deposit cash or cheques, transfer
money between their bank accounts, top up their mobile phones' pre-paid accounts or even buy postage stamps.
On most modern ATMs, the customer identifies him or herself by inserting a plastic card with a magnetic stripe or a
plastic smartcard with a chip, that contains his or her account number. The customer then verifies their identity by
entering a passcode, often referred to as a PIN (Personal Identification Number) of four or more digits. Upon
successful entry of the PIN, the customer may perform a transaction. If the number is entered incorrectly several
times in a row (usually three attempts per card insertion), some ATMs will attempt retain the card as a security
precaution to prevent an unauthorised user from discovering the PIN by guesswork. Captured cards are often
destroyed if the ATM owner is not the

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card issuing bank, as non-customer's identities cannot be reliably confirmed. The Indian market today has
approximately more than 17,000 ATM’s. 1.9.3 TELE BANKING: Undertaking a host of banking related services
including financial transactions from the convenience of customers chosen place anywhere across the GLOBE and
any time of date and night has now been made possible by introducing on-line Telebanking services. By dialing the
given Telebanking number through a landline or a mobile from anywhere, the customer can access his account and
by following the user-friendly menu, entire banking can be done through Interactive Voice Response (IVR) system.
With sufficient numbers of hunting lines made available, customer call will hardly fail. The system is bi-lingual and
has following facilities offered • Automatic balance voice out for the default account. • Balance inquiry and
transaction inquiry in all • Inquiry of all term deposit account • Statement of account by Fax, e-mail or ordinary mail. •
Cheque book request • Stop payment which is on-line and instantaneous • Transfer of funds with CBS which is
automatic and instantaneous • Utility Bill Payments • Renewal of term deposit which is automatic and instantaneous
• Voice out of last five transactions. 1.9.4 SMART CARD: A smart card usually contains an embedded 8-bit
microprocessor (a kind of computer chip). The microprocessor is under a contact pad on one side of the card. Think
of the microprocessor as replacing the usual magnetic stripe present on a credit card or debit card. The
microprocessor on the smart card is there for security. The host computer and card reader actually "talk" to the
microprocessor. The microprocessor enforces access to the data on the card. The chips in these cards are capable
of many kinds of transactions. For example, a person could make purchases from their credit account, debit account
or from a stored account value that's reload able. The enhanced memory and processing capacity of the smart card
is many times that of traditional magnetic-stripe cards and can accommodate several different applications on a
single card. It can also hold identification information, which means no more shuffling through cards in the wallet to
find the right one -- the Smart Card will be the only one needed. Smart cards can also be used with a smart card
reader attachment to a personal computer to authenticate a user. Smart cards are much more popular in Europe
than in the U.S. In Europe the health insurance and banking industries use smart cards extensively. Every German
citizen has a smart card for health insurance. Even though smart cards have been around in their modern form for at
least a decade, they are just starting to take off in the U.S. 1.9.5 DEBIT CARD: Debit cards are also known as check
cards. Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a
personal check. Debit cards are different from credit cards. While a credit card is a way to "pay later," a debit card is
a way to "pay now." When you use a debit card, your money is quickly deducted from your checking or savings
account. Debit cards are accepted at many locations, including grocery stores, retail stores, gasoline stations, and
restaurants. You can use your card anywhere merchants display your card's brand name or logo. They offer an
alternative to carrying a checkbook or cash. 1.9.6 E-CHEQUE: • An e-Cheque is the electronic version or
representation of paper cheque. • The Information and Legal Framework on the E-Cheque is the same as that of the
paper cheque’s.
• It can now be used in place of paper cheques to do any and all remote transactions. • An E-cheque work the same way a
cheque does, the cheque writer "writes" the e-Cheque using one of many types of electronic devices and "gives" the
e-Cheque to the payee electronically. The payee "deposits" the Electronic Cheque receives credit, and the payee's bank
"clears" the e-Cheque to the paying bank. The paying bank validates the e-Cheque and then "charges" the check writer's
account for the check 1.9.7 OTHER FORMS OF ELECTRONIC BANKING • Direct Deposit • Electronic Bill Payment • Electronic
Check Conversion • Cash Value Stored, Etc.
7.曾发表的主要学术论文、著作及作品/Academic Papers, Writing & Art Works Published:

na

8.推荐您申请河南省政府奖学金的机构或个人/Please Specify the Organization or Person Recommending you for

this Scholarship: Zhengzhou University

9.申请人在华事务联系人或机构/The Guarantor Charging Your Case in China:

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 名称/Name:_______________________________ 电话/Tel:_________________ 传真/Fax:_________________

地址/Address:_________________________________________________________________________________

10.申请人是否曾在华学习或任职/Have you ever Studied or Worked in China? no

是/Yes:□ 学习或任职单位/Institution or Employer: na_

在华时间/Time in China: 自/From:年/Year_____月/Month _____至/To:年/Year_____月/Month ____

否/No:□

11.申请人亲属情况/Family Members of the Applicants:

姓 名 年 龄 职 业
Name Age Employment

父亲/Father : GAMAL AHMED 56 TEACHER

母亲/Mother: FATMA MOHAMED 51 House Wife ﹡ ﹡

﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡ ﹡

 所附材料情况（请在所附附件前划‘X’标明）/Materials Attached (Please Indicate with ‘X’in the Bracket.):

□ 两封推荐信/Two Letters of Recommendation. yes
□ 本人最后学历成绩单复印件（须公证）/Transcripts of the Most Advanced Studies (Notarized Photocopy). yes
□ 本人最后学历证书复印件（须公证）/Diploma of the Most Advanced Studies (Notarized Photocopy) ：
本科/Bachelor□ . yes
□ 外国人体格检查记录（复印件）/ Foreigner Physical Examination Form (Photocopy). yes
□ 来华学习计划/ Study Plan in China. yes
□ 所发表的文章等/ Articles or Papers Written or Published. no
□ 美术作品（本人作品彩照六张） 、音乐作品（本人音乐作品盒式录音带一盘） （只限申请美术和音乐专业的申请人）/Examples
of Art (6 color pictures) and Music (1 audio tape) Work (Only for the applicants applying for Fine Arts and Music).

□ 其它附件（请列出）/Other Attachments (List Needed)：__________________________________________________________

注：每份申请材料最多不超过 20 页，请全部使用 A4 纸。
Each set of the complete materials should not exceed 20 pages. Please use DIN A4.
无论申请人是否被录取，上述申请材料恕不退还。
Whether the candidates are accepted or not, all the application materials will not be returned.

 申请人保证/I Hereby Affirm That:

1. 申请表中所填写的内容和提供的材料真实无误；
All information and materials given in this form are true and correct.
2. 在华期间，遵守中国的法律、法规，不从事任何危害中国社会秩序的、与本人来华学习身份不符合的活动；
During my stay in China, I shall abide by the laws and decrees of the Chinese government, and will not participate in any activities
in China which are deemed to be adverse to the social order of China and are inappropriate to the capacity as a student.
3. 来华后服从学校安排，不得无故要求变更学校和所学专业；
I will agree to the arrangements of my institution and specialty of study in Beijing made by the University, and will not apply for
any changes in these two fields without valid reasons.
4. 在学期间，遵守学校的校纪、校规，全力投入学习和研究工作。尊重学校的教学安排；
During my study in China, I shall abide the rules and regulations of the host university, and concentrate on my studies and
researches, and follow the teaching programs arranged by the university.
5. 按规定期限修完学业，按期回国，不无故在华滞留；
I shall return to my home country as soon as I complete my scheduled program in China, and will not extend my stay without valid

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 reasons.
6. 如违反上述保证而受到中国法律、法规或校纪、校规的惩处，我愿意接受中止或取消奖学金及其它相应的处罚。
If I am judged by the Chinese laws and decrees and the rules and regulations of the university as having violated any of the above, I
will not lodge any appeal against the decision , or withdrawing my scholarship, or other penalties.

申请人签字/Signature of the Applicant:____________________________ 2021-04-23

日期/Date:___________
Ahmed Gamal ahmed SHamandy
（无此签名，申请无效/The application is invalid without the applicant’s signature）

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填表说明（每一项数字与申请表中每一项序号相对应） ：
GUIDELINES FOR FILLING IN THIS FORM (NUMBERS REFERRING TO THE VARIOUS BLOCKS):

1. 本项所有内容申请人必须如实填写。
Personal information about the applicant must be filled in truly and correctly.

2. 请列出申请人已经完成或即将完成的各级教育，包括中学、职业教育及高等教育各项。请随材料附上经公证
的最高级教育的学历证明、毕业证书或学位证书的原件复印件和英文翻译件。
Please provide the following information for all completed secondary, vocational, technical, undergraduate or post
graduate training and qualifications. Any incomplete courses should also be listed. One notarized copy of your official
transcripts certificates and notarized copies of English translations of your highest education must be included with
each application form.

3. 请列出申请人曾经从事和现在从事的工作。
Please clarify your work experiences and you current post.

4. 本项将表明申请人的语言情况，对申请人来华后的课程安排及授课语言非常重要。请随材料附上有关证明材
料。
Please state your knowledge of languages, especially Chinese and English. If you have passed a language test, please
include a copy of the results in your application materials. This is very important because it will decide your teaching
language in China.

5. 请申请人按本项提示选择来华后的学习计划，学校有权作相应调整。
The applicant will choose the detailed information concerning his study in Beijing according to the clues given in this
cell. The institution is entitled to make any necessary adjustment according to the applicant’s preferences.

a. 请选择你申请来华学习的类别。
Please choose what level of study you want to be engaged in in China.

b. 请详细写出你申请来华学习的专业或从事研究的专题。
Please specify your subject or field of study in China.

c. 请标明你所申请的来华学习时间。
Duration of the major study applied in China.

d. 由于中国高校的主要授课语言为汉语，所以来华后的汉语补习非常重要。请在该项标明你是否需要汉语补
习及所希望的汉语补习时间。
Since the teaching language of Chinese universities is Chinese, it’s very important for you to tell us in this cell
whether you need elementary Chinese study prior to your major study or not. If “Yes”, please indicate the
duration of the Chinese study (not included in the length of major study).

6. 请认真填写此项，它对于学校确定申请人的学习专业及授课教师非常重要。请说明你从事研究的题目或基本
内容，亦可以列出你希望的一些课程。可另附纸。
Please illustrate the subject of your research or the main content of your study, you can also give some courses you
want to attend in China. It is crucial for the university to decide your major and arrange the professor for you.

7. 请列出申请人曾经发表的或曾写过的论文、著作、作品。
Please list here your academic papers, writing and artwork published or written, if any.

8. 你的推荐人和推荐机构。
The person or organization that recommend you for this scholarship.

9. 在华联系人或联系机构，关于申请人在华的有关事务，我们将与其联系。
The guarantors charging your case in China, we will contact them for your case when necessary.

10. 如果你曾在中国学习或工作过，请告知你在华的学习院校或工作单位。
If you had ever been to China for study or work, please specify your institution, employer and time in China。

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11. 申请人亲属的基本情况。
General information about the applicant’s family members.

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