Finance has always been in the top five for students to apply for majors, which is inseparable from the high income of their employment industry. Experts from Haiwen Education Research Center made an inventory of the employment direction of finance, summed up eight employment directions, and made an in-depth analysis. I hope I can provide some help to the students who apply for finance.
1. Central Bank (People's Bank), Banking Regulatory Commission, Securities Regulatory Commission, Insurance Regulatory Commission, which are financial regulatory bodies.
Being a financial official in the industry supervision and management department should be the first choice for financial graduate students. First of all, China's finance is based on macroeconomics and macro-control of financial markets, and its professional application is easy to start with, and its policy grasp is relatively in place; Secondly, working in the industry management department for three to five years before going to the practice organization can at least give a middle-level position. Its limitation lies in: it is difficult to enter the competent departments of these industries, and it may be necessary to rely on the background. It is difficult for undergraduates to enter unless they are really excellent.
2. Commercial banks, including the four major banks and joint-stock firms, city commercial banks and domestic branches of foreign banks.
It is a good choice for graduates to enter the four major state-owned commercial banks first. Because you have certain banking experience and professional background, the possibility of going to a joint-stock firm or a foreign-funded bank in China will increase. Many students joined the four major state-owned banks at first. After the rapid development of urban joint-stock commercial banks, they jumped ship one after another and became the backbone of urban commercial banks and joint-stock commercial banks. Many of them became middle managers and a few became senior leaders. The flexible and pragmatic cadre appointment methods of city commercial banks and joint-stock commercial banks, regardless of seniority, have made the four major banks become the "Whampoa Military Academy" for their professionals, and this situation is still continuing. In addition, although the four state-owned banks have some bureaucratic habits, their stable income, light pressure and high welfare level are still attractive, especially for female students. It is suggested that friends who are interested in the four state-owned commercial banks should focus on the management of commercial banks, international finance and monetary policy.
3. Policy banks such as China Development Bank and China Agricultural Development Bank.
Policy banks, such as Development Bank and Agricultural Development Bank, are also better choices, but their work nature is similar to that of civil servants, and their financial business is not prominent. They are places that rely on policies to eat, and their benefits to personal career are still weak compared with those of industry supervision departments and commercial banks. If they want to become a temporary climate in the financial field, it is best not to choose such units. However, at present, the wage level and treatment of such units are better than those of commercial banks, which has become the highlight of attracting graduates' attention.
4. Securities companies (including fund management companies), trust and investment companies, financial holding groups and other financial companies with great risks.
Securities, trusts and funds all rely on risk management to make a living, and there are systemic risk factors in the industry. However, it is relatively easy to make money, with high short-term returns (high risks), and they operate according to the real enterprise management mechanism. If you want to develop professionally and make achievements, it is an excellent choice to do it in this industry. Many fund managers and investment bank managers have an annual salary of over one million. The difficulty lies in the gradual improvement of academic qualifications. The minimum requirement is a master's degree. Compared with banks and other financial institutions, their personal investment management and financial operation ability are more demanding. If you are interested in these industries, you can choose the professional direction of securities investment, financial market and financial engineering. If you are majoring in financial management and master of laws (undergraduate is financial economy), this is also a good choice. The recent re-emergence of the trust industry has added a new choice for graduates majoring in finance and other majors, and the operation strategy of its big investment bank has made it follow the elite line in the use of personnel. There is a saying in the investment industry that "80% of the company's profits are created by less than 5% of its employees". The current thinking of the above three companies is to actively dig corners, and these three companies have the strongest mobility in the financial industry. Elite talents who are interested in risk management, travel all day, have stomachache all the year round and have no place to live may wish to choose this industry. Of course, there is no denying that the return of this industry is directly proportional to the input. It is suggested that male students choose this industry, which should be more developed.
5. Four major asset management companies, financial leasing and guarantee companies.
The four major asset management companies are similar to policy banks, and their initial purpose and role are gradually fading. The financial leasing and guarantee industries are developing rapidly, so you can consider entering. Of course, if you have experience in banking and securities, you should be more successful in entering this industry.
6. Insurance companies and insurance brokerage companies. Social security fund management center or social security bureau.
Insurance companies can refer to the analysis of commercial banks and do it for several years. After having experience in insurance marketing and risk management, there is still much to be done under the opportunity of the rapid growth of domestic joint-stock insurance institutions and the entry of foreign insurance institutions. The major of actuarial science is very popular. Social security centers and financial audit departments are places for providing for the aged, which are more stable and less agile. Of course, friends who want to get steady returns may wish to consider it as an option.
7. Securities department, finance department, securities affairs representative and secretariat of the board of directors of listed (to be listed) joint-stock companies.
Working experience in the securities department of a listed company is also acceptable, and it spans two lines of the securities industry, and then it is necessary to have a foothold in development. If you have done the preparatory work for IPO in the whole process, it will be more beneficial to your future career. It requires higher financial and industrial analysis ability, so you should strengthen your study in this area.
8. Government administrative agencies in the sequence of national civil servants, such as finance, auditing and customs departments; Teachers majoring in finance and finance in colleges and universities; Research institutions, researchers.
Iv. career choice and reasons for choice
1. Commercial Bank
Generally speaking, interpersonal relationship is very important when entering a commercial bank, because when entering a commercial bank, first of all, the bank will ask us to pull a lot of deposits. At this time, we need good interpersonal relationship and pull some customers for ourselves. And I have a good interpersonal relationship, and I am interested in finance, so I can devote more passion, which can also lay a solid foundation for promoting various products in the future.
2. Securities companies
The securities company is the bronze industry of the financial industry now, which has developed to a certain scale. To do it in a securities company, you need certain interpersonal relationships, and of course, you need effective households to open accounts in your own securities company, which also requires good expression skills and can express the benefits of the products just right. Now, as a training lecturer of the Sand Table Association, I have this ability.
3. Fund companies
Although the current development of fund companies in my life is not as developed as those of banks and securities companies, this industry must be the future development direction. I am now an assistant to the regional manager of Huaan Fund Management Co., Ltd., and I have some understanding of the basic knowledge of the fund. There are many fund companies, including fund managers who are responsible for the operation of a fund and channel managers. No matter which one, the threshold of fund companies is relatively high, at least requiring graduate education or above. I haven't made a decision on the postgraduate entrance examination, so I put the fund company last.