American schools really value your practical experience more. As for the real work experience and practical experience, I think there should be little difference, mainly depending on whether the practical enterprise is excellent or not. If you have the opportunity, you should go to some foreign banks for internship or something. As for your other abilities, it is very important, but what you really show to colleges and universities depends on how well your documents are written. Studying abroad is a big deal. I suggest you find a study abroad consulting agency. After all, it is more professional and more secure. Xianghai is good, majoring in business, especially in famous American universities. I suggest you have a look.