请问财力证明中，你的财产一定要能完全cover两年的学费+生活费吗？

the more the better.

for sure, the more the better. However, that also depends on the purpose of the financial statement. If it is required by school, then usually the school has the instruction on what is the minimum amount. When you face the damn visa officer, the tip is the more the better.

在申请的一开始就一定要和APPLICATION PACKAGE 一起提交银行存款证明吗？如果资助人现在不方便开银行存款证明，但是在明年春季一定可以开的话跟学校解释可以等到ADMISSION DESICION做出来以后再提交存款证明吗？会不会影响申请？多谢指教：）