1。 The future employment direction of finance-commercial banks, investment banks (securities companies), insurance companies, fund companies, consulting companies, four major accounting firms (mainly the above) and so on.

Commercial bank-the profit comes from the profit of assets MINUS the interest of liabilities. The liabilities of commercial banks are mainly composed of personal and commercial deposits, and the assets are mainly various loans (corporate loans, consumer loans, etc.). ), bonds, stocks and so on. These spreads constitute the income of commercial banks, and because of their huge amount, they constitute the income of banks. Of course, commercial banks also have other income, such as fees, remittances, foreign exchange, trading funds and stocks.

Investment bank (securities company)-the profit mainly comes from the handling fees obtained for company financing, including IPO (initial public offering), refinancing, bond issuance, mergers and acquisitions, etc.

Insurance company-as we all know, gather risks in the company and then calculate the expected profit through actuarial calculation. At the same time, the money sold by insurance companies can also be used for investment-buying stocks, bonds, etc. , even lending. Insurance companies in China mainly sell insurance. If you are asked to do sales, don't go unless it is particularly suitable. The starting point of selling insurance is too low, anyone can do it, and there is no technical content.

Fund companies-mainly raise funds by issuing funds, and then collect fund management fees through the operation of funds. If a fund company enters, it will be very cool, because there are fewer fund companies and more money, and everyone can have a lot of money.

Consulting company-this doesn't have to be financial, but there are many people who do it, mainly relying on consulting services such as strategy, actuarial science and human resources for customers. , and extract the service fee. This job is very challenging!

Four accounting firms-a good springboard for many students who study finance to consult in investment banks.

Anyway, if you want to be your own boss as soon as you come out, I'm afraid it's very difficult, or if you want to be a professional individual in stock and foreign exchange trading, then you have to prepare a large sum of money to pay tuition, because few individuals can make money in the stock market and foreign exchange market!

Personally, I don't recommend working in stocks and futures. Tired and risky! Regarding the treatment of financial institutions, I will give you an inequality: foreign investment banks >; Foreign commercial banks > fund companies > foreign consulting companies > China Securities Company > China Consulting Company > Big Four accounting firms > insurance companies. This is the average level, depending on which company.

It doesn't matter whether you are engaged in securities, banking or futures. CPA (Certified Public Accountant) is the best qualification for accounting practice. I don't advise you to go to securities or futures, you know nothing.

There is not much difference between famous universities, but undergraduates may be stronger. Generally, it is better to study for a master's degree and get a gold-plated one. After employment, you can study for a master's degree by correspondence, or a master's degree after graduation, or an MBA, both at home and abroad.

5. Finance is a place to speak by strength. Besides, English is very important. Take CET-6 and TOEFL if you have the ability. Find a good internship in the summer vacation of junior year. Many enterprises have internship programs for junior students in finance. A good internship is a stepping stone to a full-time job.

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