Capstone Reflection

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During the four-year study in the program of Accounting and Finance, I have gained the professional knowledge, and also obtained the precious experiences in life. This year, I have learned a lot during the process of the working on the capstone project. In order to have a deep understanding of myself, the essay will make a summary of the capstone project and myself.
In the first part, it is about the weakness and strengths of myself corresponding to the generic learning outcomes. As for the second part, it will be a summary of the capstone project by analyzing the relationship between the generic learning outcomes and it and how it improves my weakness. The last part is mainly about the entrepreneurial thinking in the capstone
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I think I am still weak in this aspect. One is that, although the university is an international one and has students from all over the world, our courses are mainly focusing on the Asian area, especially Hong Kong and Mainland China. For example, in my courses of Taxation and Business Law, I was only taught the practices of Hong Kong. In addition, it is difficult to change the personal ways of thinking, which has been kept for many years. I always express ideas only from the perspective of a Chinese, instead of a global outlook, and that has narrowed my thoughts to a great extent. For example, when discussing group project with my teammates from other countries, I found we had quite different opinions over the topic, as I would focus more on the welfare and benefits of developing countries in Asia through the integration process, while they may consider the benefits as a…show more content…
As the results (Appendix 1) shows, leverage and PB ratio have positive relationship with dividend payout ratio, while, risk, growth, profitability and size have negative relationship with dividend payout ratio. According to the results, banks can adjust the dividends declared corresponding to its situations. The project also introduces the relationship between the dividends and information-sensitive depositors (Appendix 2). These all are helpful for banks to make dividends decision and find the optimal payout ratio for the development.

2. Weaknesses
However, there are some limitations in the use of the project’s results. Our project is focusing on the Hong Kong banking industries. Therefore, the results cannot be used in other industries or areas, because of the different situations and environments. In addition, the regression results are built on the basic dividend theories. With the recent complicated economic financial environments, there may be some abnormal relationships comparing with the theories. We cannot examine them in the project.


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