卢含 · HAN LUHAN LU
KCL 银行与金融学硕士 · 2026 年 12 月毕业MSc Banking and Finance, KCL · graduating Dec 2026

Hi,我是卢含Hi, I'm HAN LU

金融背景,喜欢借助 AI 动手搭工具,解决手边的实际问题 Finance by training, hands-on with AI tools by habit

本科为新西兰怀卡托大学与浙大城市学院金融学双学位。做过银行信贷、券商、审计和消费者洞察数据分析。我执行力强,喜欢新事物和新挑战,也愿意牵头把事情组织起来。工作之外,我喜欢音乐、摄影、羽毛球、滑雪和旅游;常去 livehouse 听现场。

I hold a dual bachelor's degree in Finance from the University of Waikato (NZ) and Hangzhou City University. I have worked in corporate credit, securities, audit and consumer-insight analytics. I get things done, enjoy new things and new challenges, and am happy to take the lead in organising people. Outside work I enjoy music, photography, badminton, skiing and travel, and I often go to live music gigs.

HL

卢含 HAN LUHAN LU

金融 × AI 工具 · 伦敦 → 上海Finance × AI tools · London → Shanghai

75.75KCL 硕士成绩(Distinction)KCL MSc average (Distinction)
3.95/4.0本科 GPA(89.01%)Undergraduate GPA (89.01%)
2 篇2SSCI 期刊论文,均为第一作者SSCI papers, both as first author
7.0雅思;PTE Academic 74IELTS; PTE Academic 74
📈月度对账 约 3 天 → 半天至 1 天Monthly reconciliation: ~3 days → ½–1 day
🎓浙江省优秀毕业生Excellent Graduate of Zhejiang
01 / Education

教育背景Education

01

伦敦国王学院(King's College London)King's College London

银行与金融学 硕士 · King's Business SchoolMSc in Banking and Finance · King's Business School

2025.09 – 2026.12Sep 2025 – Dec 2026
成绩 75.75/100 · Distinction(英国最高等级)Average 75.75/100 · Distinction
商业与投资银行财务报表分析投资学金融衍生品投资组合管理金融定量方法与数据分析行为金融学 Commercial and Investment BankingFinancial Statement AnalysisInvestmentsFinancial DerivativesPortfolio ManagementQuantitative Methods for Finance and Data AnalyticsBehavioural Finance
02

新西兰怀卡托大学 & 浙大城市学院University of Waikato (NZ) & Hangzhou City University

金融学 本科双学位(中外合作办学)Dual bachelor's degree in Finance (Sino-foreign joint programme)

2021.09 – 2025.06Sep 2021 – Jun 2025
专业排名前 3%Top 3% of cohort 浙大城市学院 GPA 3.95/4.0(89.01%)Hangzhou City University GPA 3.95/4.0 (89.01/100) 怀卡托 GPA 8.04 · 24 门课中 11 门 A+Waikato GPA 8.04 (NZ scale) · A+ in 11 of 24 papers

2023.01 美国得克萨斯大学奥斯汀分校冬季交换:会计学导论,GPA 4.0/4.0Jan 2023 winter exchange, University of Texas at Austin: Introduction to Accounting, GPA 4.0/4.0

荣誉 浙江省优秀毕业生、浙江省政府奖学金、学业优秀奖学金、学术研究奖学金、实践教育优秀奖学金、国际交流奖学金、优秀学生干部;第九届“东方财富杯”全国大学生金融挑战赛省赛二等奖并晋级国赛(担任操盘手,收益率 17.16%,超过全国 93.71% 的参赛者,本校第一)。

Honours Excellent Graduate of Zhejiang Province; Zhejiang Provincial Government Scholarship; academic excellence, research, practice education and international exchange scholarships; Outstanding Student Leader; 2nd Prize (provincial round) and national-round qualifier, 9th Eastmoney Cup National Financial Challenge (trader; 17.16% return, ahead of 93.71% of entrants nationally, 1st in university).

02 / Experience

实习与工作经历Work experience

银行、券商、审计、咨询数据分析和海外财务,按时间倒序。Banking, securities, audit, insight analytics and finance operations, most recent first.

英国 · 兼职UK · part-time
2026.06 – 2026.09Jun 2026 – Sep 2026

Korea Foods Company Ltd

Accounts Assistant

在 SAP 中处理进口供应商和货代发票,做发票、采购订单与收货的三方匹配,逐行核对 20% 增值税;整理报关单、签收证明和滞港费单据。碰到重复又容易出错的对账工作,我先把规则理清楚,再借助 AI 编程工具搭了一个能用的小工具,写好说明交给同事一起用(见下方项目经历)。

Processed import-supplier and freight-forwarder invoices in SAP with three-way matching of invoice, purchase order and goods receipt, checking 20% VAT line by line; filed customs declarations, proofs of delivery and demurrage charges. Reconciliation was repetitive and easy to get wrong, so I pinned down the rules first, built a working tool with AI coding assistants, wrote it up and handed it over for colleagues to use (see Projects).

SAP三方匹配3-way match20% 增值税20% VAT
上海 · 实习Shanghai · internship
2025.05 – 2025.08May 2025 – Aug 2025

MarcPoint (上海宏原信息科技)

商业数据分析实习生Business Data Analyst Intern (Brand & Consumer Insights)

为一个消费健康品牌的增长项目,从 3.2 亿条社媒文本中分析消费者的购买阻力,测算每 0.8% 的心智份额约对应 6 亿元销售额,建议把三个并列的增长方案改成一个递进式方案,得到客户认可。用 SQL 和 BI 工具处理 100 万+ 条消费者反馈,搭建品牌认知、方案、场景、需求四个维度的标签体系。

On a growth project for a consumer-health brand, analysed purchase barriers in 320 million social-media posts, estimated roughly RMB 600 million in sales per 0.8% of mind share, and recommended merging three parallel growth options into one staged plan, which the client endorsed. Processed 1 million+ consumer feedback entries with SQL and BI tools and built a tagging framework across brand awareness, solutions, scenarios and needs.

3.2 亿条社媒文本320M posts100 万+ 条反馈1M+ feedback entriesSQL · BI
杭州 · 兼职Hangzhou · part-time
2024.09 – 2025.04Sep 2024 – Apr 2025

搜博网(杭州)信息科技有限公司Soufair (Hangzhou) Information Technology Co., Ltd

市场商务Business Development

在两届 CMEF 医博会现场对接展商,每届 130 余家;根据客户需求制定布展方案(展位安排、VR 设备租赁、专业搭建),两届各独立促成 1 单合作,累计成交 6.4 万元以上。

Met and followed up exhibitors on site at two editions of CMEF, 130+ per edition; designed stand proposals to each client's needs (layout, VR equipment hire, build), and personally closed one deal at each edition, RMB 64,000+ in total.

每届 130+ 展商130+ exhibitors per edition成交 6.4 万元+RMB 64k+ closed
杭州 · 实习Hangzhou · internship
2025.02 – 2025.03Feb 2025 – Mar 2025

东北证券股份有限公司Northeast Securities Co., Ltd

投资顾问部实习生Intern, Investment Advisory Department

协助策划并主持在上市公司传化智联(002010)举办的机构投资者线下路演;按省份制定上市公司联络计划,邮件联系 5,000+ 家 A 股上市公司,联系 50+ 家公司证券部,促成 20+ 家参加反路演。

Helped plan and host an institutional-investor roadshow at Transfar Zhilian (002010); drew up a province-by-province outreach plan, emailed 5,000+ A-share listed companies, reached the securities departments of 50+ and brought 20+ to a counter-roadshow.

5,000+ 家上市公司5,000+ listed firms20+ 家参加反路演20+ at counter-roadshow
杭州 · 实习Hangzhou · internship
2024.07 – 2024.08Jul 2024 – Aug 2024

首创证券股份有限公司(杭州分公司)Capital Securities Co., Ltd (Hangzhou Branch)

营销助理Marketing Assistant

根据客户的资产配置和风险偏好策划 3 场主题路演,覆盖 100+ 人;按客户类型调整沟通方式跟进 100+ 位潜在客户,问卷回收率提升约 50%。

Planned three themed roadshows around clients' asset allocation and risk appetite, reaching 100+ attendees; followed up 100+ prospective clients with communication tailored to each client type, lifting survey responses by about 50%.

3 场路演3 roadshows问卷回收率 +约 50%Survey responses +~50%
杭州 · 实习Hangzhou · internship
2023.07 – 2023.09Jul 2023 – Sep 2023

浙江同方会计师事务所有限公司Zhejiang Top-firm Certified Public Accountants Co., Ltd

审计实习生Audit Intern

对管理费用执行细节测试和实质性分析程序,调取合同与发票,核实交易真实发生、与业务实质一致。

Performed tests of details and substantive analytical procedures on administrative expenses, obtaining contracts and invoices to confirm that transactions were genuine and consistent with their business substance.

细节测试Tests of details实质性分析Substantive analytics
杭州 · 实习Hangzhou · internship
2022.07 – 2022.08Jul 2022 – Aug 2022

恒丰银行股份有限公司Evergrowing Bank Co., Ltd

信贷实习生Credit Intern

随客户经理走访重点企业 30 余次,按企业发展阶段和营收规模介绍行内产品,协助 5 家企业获批授信;协助撰写 10 余家大型民营企业的授信报告。

Joined relationship managers on 30+ visits to key corporate clients, introducing products suited to each firm's stage and revenue, and helped five obtain credit approval; helped draft credit reports for 10+ large private enterprises.

走访 30+ 次30+ client visits5 家获批授信5 credit approvals
03 / Projects

项目经历Projects

自己动手做过的工具,以及参与过的产品和客户项目。Tools I have built, and product and client projects I have worked on.

工作中自主发起 · 自动化Self-initiated at work · automation

发票对账自动化工具Invoice reconciliation tool

Korea Foods Company Ltd(英国)· 自主发起Korea Foods Company Ltd (UK) · self-initiated

2026.06 – 2026.09Jun 2026 – Sep 2026
  • 接手积压半年以上、覆盖英国 25 家门店的 Amazon 平台采购发票。手工处理完三个月的数据后,我发现对账规则是固定的,可以交给程序做,于是向上级提议并立项。
  • 先把流程、判断逻辑、例外情况和优先级写清楚,再和 AI 多轮对齐需求,2 天交出第一版。用手工核对过的三个月数据检验,结果全部一致,还反查出人工核对时的一处商品分类错误。
  • IT 提出财务数据不能上传外部服务后,我把它改成在本地离线运行的 Python 工具,加了四层校验和人工覆盖机制。月度对账从约 3 天缩短到半天至 1 天,剩下的时间主要用在人工复核上。
  • 写了配套 SOP,并把工具和文档改成英文,交给英国同事独立使用。
  • Took over Amazon purchase invoices for 25 UK stores that had been left unprocessed for more than six months. After reconciling three months by hand, I saw that the matching rules were fixed and could be automated, and proposed the project to my manager.
  • Wrote out the workflow, decision logic, exceptions and priorities first, then worked through the requirements with AI over several rounds and delivered a first version in two days. Tested against the three months I had checked by hand, it matched every result, and it caught one product-category error in the manual work.
  • When IT ruled that financial data could not be sent to external services, I rebuilt it as a Python tool that runs offline on a local machine, with four layers of validation and manual overrides. Monthly reconciliation went from about three days to between half a day and one day, most of it now spent on manual checks.
  • Wrote an SOP, translated the tool and documentation into English, and handed both over to UK colleagues, so they could run it on their own.
PythonAI-assisted codingSAPSOP

工具由 AI 辅助编写,我负责规则、校验设计、测试和验收。属于公司内部资料,代码与数据不公开。The code was written with AI assistance; the rules, validation design, testing and sign-off were mine. Company-internal: code and data are not public.

个人项目 · 进行中Personal · ongoing

个人知识库与信息看板Personal knowledge base and dashboard

需求定义、规则设计与验收Requirements, rules and acceptance testing

2026.07 – 至今Jul 2026 – present

我的经历、成绩和证书原本散落在各类文档里,不同文件里的同一个数字有时对不上。我用 Claude Code、Codex 等 AI 编程工具把它们整理成一个结构化的本地数据库:每条信息都标明来源、是否核实过、能用在什么场合,并加了全库搜索和一致性检查,能自动找出文档之间对不上的数字。另外搭了一个部署在 Cloudflare Pages 上的线上看板,集中管理日程、进度和常用资料。

My experience, grades and certificates used to be scattered across many documents, and the same figure did not always match from one file to the next. Using AI coding tools such as Claude Code and Codex, I turned them into a structured local database: every entry records its source, whether it has been verified and where it may be used, with full-text search and consistency checks that flag figures that don't match across documents. I also built an online dashboard on Cloudflare Pages to keep schedules, progress and reference material in one place.

因为同时在用好几个 AI 工具,它们轮流改同一批文件时会互相覆盖,或者把数字改错。我为此写了一份所有工具都要遵守的协作规范:哪些信息已经核实、改文件前后怎么校验、改完由谁怎么验收。代码由 AI 编写,需求、规则和最终验收由我负责。

Because I use several AI tools in turn, they sometimes overwrote each other's work or changed a number by mistake. So I wrote a shared rulebook that every tool must follow: which facts are verified, how files are checked before and after each change, and how changes are accepted. The AI writes the code; the requirements, the rules and the final sign-off are mine.

Next.jsPrismaSQLiteCloudflare PagesClaude CodeCodex

内容涉及个人隐私,暂不公开。这个网站本身也是用同样的方式做的。The data is personal, so the tool itself is not public. This website was made the same way.

AI 产品 · 早期阶段AI product · early stage

Siniverse AI

AI 产品运营与商业化项目AI product operations and commercialisation

2026.04 – 2026.07Apr 2026 – Jul 2026

一款面向算法学习和技术面试准备的多语言 AI 学习产品。我参与了早期阶段:梳理目标用户和使用场景,参与功能测试、Prompt 交互优化和用户反馈整理,制作展示材料,并在 King's 创业项目展示和校园推广中介绍产品。

A multilingual AI learning product for algorithm study and technical-interview preparation. I worked on its early phase: mapping target users and use cases, testing features, refining prompts, organising user feedback, preparing pitch materials, and presenting the product at King's start-up showcases and on campus.

用户调研User research功能测试Feature testingPrompt
产品链接 ↗Product link ↗
客户项目 · 团队Client project · team

KCL × Practera 中英数字产业实践项目UK–China Digital Industry Project

Y Entertainment 客户项目 · 团队成员Client project for Y Entertainment · team member

2025.07Jul 2025

解读客户简报,梳理一家海外科技公司(GenAI + 区块链时尚平台)的产品逻辑和进入中国市场的目标,找出信息缺口,设计首次客户会议的澄清问题;协调团队完成 24 页英文报告。

Worked through the client brief for an overseas tech company (a GenAI and blockchain fashion platform), mapping its product logic and goals for entering China, identifying information gaps and drafting the clarifying questions for the first client meeting; coordinated the team's 24-page English report.

市场进入Market entry24 页英文报告24-page report
课程作业 · 金融数据Coursework · financial data

VBA 投资组合工具与金融数据分析VBA portfolio tools and financial data analysis

本科课程 FINAN303 · 个人作业Undergraduate module FINAN303 · individual coursework

2024.10 – 2024.12Oct 2024 – Dec 2024
  • 基于 Global Compustat 数据,独立完成 50 家公司 2014–2018 年数据的收集、清洗、可视化、对数收益率、描述统计、相关性与回归分析,计算过程可复现。
  • 两个 VBA 工具(按 VIX 调整权重的组合风险函数、自动再平衡程序)先用 ChatGPT 生成初版,再由我改进:加了输入校验、确认与取消的二次确认和模块化拆分,能输出各资产的买卖金额和占比。完整的提示词和修改过程都保留在对话记录里。
  • Using Global Compustat data, collected and cleaned five years (2014–2018) of data for 50 companies on my own, then ran visualisation, log returns, descriptive statistics, correlation and regression analysis, with every calculation reproducible.
  • Generated first drafts of two VBA tools with ChatGPT (a portfolio risk function that reweights by VIX, and an automatic rebalancing program), then improved them myself: input validation, confirm-and-cancel checks and a modular structure, with output showing the amount and share to buy or sell for each asset. The full prompts and revisions are kept in the conversation log.
Excel / VBAChatGPTCompustat回归分析Regression
查看 ChatGPT 对话记录 ↗View the ChatGPT conversation ↗
04 / Campus

校园经历Campus and extracurricular

2025.11 – 2026.09Nov 2025 – Sep 2026

King's Investment Fund

Investment Research Analyst · King's Business School

分析公司财报、估值指标、行业趋势和宏观环境,评估机会与风险,支持选股和组合构建。

Analysed financial statements, valuation metrics, industry trends and the macro environment to weigh opportunities and risks, supporting stock selection and portfolio construction.

2022.10 – 2024.05Oct 2022 – May 2024

国际文化交流协会International Cultural Exchange Association

会长、外联部部长President; Head of External Liaison

负责对外合作,与新航道、朗思教育等语言培训机构谈下并维护赞助合作;联合策划“雅思/托福备考指导”系列讲座,覆盖学生 5,000+ 人次。

Led external partnerships, negotiating and maintaining sponsorship with language-training providers such as New Channel and Langsi Education, and co-ran an IELTS/TOEFL lecture series with 5,000+ student attendances.

2024.02 – 2024.04Feb 2024 – Apr 2024

“春日城院 双创共享”三创集市Spring Campus Innovation & Entrepreneurship Market

负责人Lead organiser

协调各部门完成场地布置和摊位管理,吸引 60 余个摊位入驻,2,000 余名学生参与。

Coordinated teams on venue set-up and stall management, bringing in 60+ stalls and 2,000+ student visitors.

2021.10 – 2023.10Oct 2021 – Oct 2023

怀卡托学院新闻中心Waikato College News Centre

摄影部部长Head of Photography

带领 10 人摄影团队,负责学院各类活动的拍摄,为学院公众号提供图片素材。

Led a 10-person photography team covering all college events and supplying images for the college's WeChat account.

志愿服务Volunteering

累计 200 多小时社区志愿服务。

200+ hours of community volunteering.

05 / Publications

学术论文Publications

两篇 SSCI 期刊论文,均为第一作者。Two SSCI journal papers, both as first author.

01

The Dynamics of ESG Peer Pressure and Corporate Resilience: Examining Through Firm-Perceived EPU and Governance Efficiency Perspectives

Corporate Social Responsibility and Environmental Management · SSCI, Wiley · 2025, 32(5), 5858–5894

用 23,463 个公司-年度观测值(2010–2022)检验 ESG 同伴压力对企业韧性的影响;用主成分分析构建治理效率指数,并用 2SLS/GMM 处理内生性。

Tests how ESG peer pressure affects corporate resilience using 23,463 firm-year observations (2010–2022); builds a governance-efficiency index with PCA and addresses endogeneity with 2SLS/GMM.

DOI 10.1002/csr.70001 ↗
02

Corporate Sustainability and CO2 Emissions Control Efficiency: Unveiling the Impact of Economic Policy Uncertainty and Policy Shocks

Economic Change and Restructuring · SSCI, Springer · 2026, 59(2), Article 28

用约 25,400 个公司-年度观测值(2010–2022)研究企业可持续增长对碳排放控制效率的影响,使用双向固定效应、系统 GMM/IV-2SLS,以及围绕 2015 年政策冲击的 DID/PSM-DID。

Examines how corporate sustainable growth affects CO2 emissions control efficiency using about 25,400 firm-year observations (2010–2022), with two-way fixed effects, system GMM/IV-2SLS and DID/PSM-DID around a 2015 policy shock.

DOI 10.1007/s10644-026-09964-w ↗
06 / Skills

技能与语言Skills and languages

✦AI 工具AI tools

AI 辅助编程(Claude Code、Codex 等)AI-assisted coding (Claude Code, Codex and similar)ChatGPTDeepSeekPython

Python 工具由 AI 辅助编写,我负责规则、校验设计、测试和验收。

Python tools are written with AI assistance; I own the rules, validation design, testing and sign-off.

▦数据与办公Data and office

Excel / VBASAPBI 工具BI toolsSQL(基础)SQL (basic)StataPowerPointCanva

◆金融终端与证书Terminals and certificates

WindBloomberg(BMC、ESG、Spreadsheet Analysis 认证)Bloomberg (BMC, ESG and Spreadsheet Analysis certified)STA Part 1 Diploma (Merit)

◎语言Languages

普通话(母语)Mandarin (native)英语:雅思 7.0English: IELTS 7.0PTE Academic 74CET-6
07 / Contact

欢迎联系我Get in touch

邮件是最快找到我的方式。如果 LinkedIn 或 ORCID 链接打不开,可以直接复制下面的地址或编号。

Email is the best way to reach me. If the LinkedIn or ORCID link does not open, the address and ID are shown below.