With the deepening and development of financial reform, people have more and more contacts with the financial industry, so what is the current financial market in China? The following is a template of financial market survey report I shared with you, hoping to help you.
Template of financial market survey report I. Survey background
Finance is a subject that focuses on the economic activities of money and monetary funds, and specializes in how individuals, institutions and governments acquire, spend and manage funds and other financial assets. It is a discipline differentiated from economics. Mankind has entered the financial age and society. So finance is everywhere, forming a huge system. The scope, branches and contents of finance are very extensive, such as currency, securities, banking, insurance, capital market, derivative securities, investment and wealth management, various funds (private placement and public offering), balance of payments, financial management, trade finance, real estate finance, foreign exchange management, risk management and so on. Finance majors train professionals who have theoretical knowledge and business skills in finance and can engage in related work in economic management departments and enterprises such as banks, securities, investment and insurance. Finance major has been a popular major for candidates in recent years. The good career development prospects and high income of financial graduates are important reasons for attracting many candidates to apply for the exam. This major is also dubbed the most? Money? Professional way.
Second, the purpose of the investigation
In order to understand the employment prospect and market demand of financial talents and the influence of financial courses offered by schools on their employment. In addition, understanding the views and opinions of finance majors on the basic courses they have studied can provide some guidance for the study of this course.
Three. field of investigation
The scope of this questionnaire survey is the College of Science and Technology of Ningbo University, which was completed by our students. Finally, 65,438+000 people answered the questionnaire.
Four. interviewee
Boys are 3 1, and girls are 69(* * * 100), all of whom are finance majors, and their age is mainly between 18-24.
Verb (abbreviation of verb) survey method
Example 1:
Comprehensive application of questionnaire, interview and observation. (mainly based on questionnaire survey)
Example 2:
(1), original data collection (the above-mentioned field survey)
(2) Second-hand data collection (online search)
Sixth, the design of the questionnaire.
Questionnaire on Basic Courses of Finance Major in College of Science and Technology of Ningbo University
Hello, classmates! In order to understand the views and opinions of finance majors on the basic courses they have studied, we designed this questionnaire. I hope everyone can fill in according to their own real situation. Thank you! (Because it is suggested that professional basic courses should start from sophomore year, this questionnaire survey is mainly aimed at sophomores and juniors. )
1. What is your gender?
A. Handsome guy B. Beautiful girl
2. What year are you a student?
A. freshman B. sophomore C. junior D. senior
Do you have any plans for your career?
A. Have a clear plan B. Have a general career direction C. Never thought about it.
4. Do you plan to continue to work in finance after graduation?
A. learning is for use, not for this.
Anyway, see where you want me to be.
C.i don't want to deal with finance anymore.
If you are going to work in finance, when choosing a job, the industry you want to enter most is:
A. bank b securities c insurance
6. Do you think the financial courses you studied in the university will help you find a job in the future?
A.yes, it is very helpful. Yes, it's very helpful.
C.yes, not much help. D. no help
7. Are you satisfied with the employment prospects of your major?
A. dissatisfied B. dissatisfied C. unusual
D. satisfied E. very satisfied. I don't know
8. What courses do you think are unnecessary in the current professional basic courses? (Multiple selections are allowed)
A. Money Bank B. International Finance C. Management Information System
D. Insurance E. Financial Law F. Econometrics
G. financial marketing H. management of commercial banks I. international settlement
J. securities investment science
9. The professional basic course you are most interested in is _ _ _ _ _ _ _ because:
A. the content appeals to you. Teachers are very interesting. C. there are various classes. This difficulty suits you.
10. What courses do you want to learn that are practical and want to join the professional basic courses: _ _ _ _ _ _ _ _,
Why _ _ _ _ _ _ _ _ _ _
This questionnaire survey is over. Thank you again for your support. Thank you!
Seven. Findings and analysis
The questionnaire survey was conducted by sampling. * * * The questionnaire 100 was distributed, and the questionnaire 100 was recovered, of which 100 was valid.
1. What's your gender?
A. Handsome guy B. Beautiful girl
Among them, there are 365,438+0 students in Option A and 69 students in Option B, which shows that the proportion of female students majoring in finance is obviously greater than that of male students.
2. What year are you a student?
B. freshman B. sophomore C. junior D. senior
Among them, 99 people chose option B, and only 1 person chose option D. It can be seen that although this survey is a sampling survey, the survey scope is not wide enough and has limitations.
Do you have any plans for your career?
A. Have a clear plan B. Have a general career direction C. Never thought about it.
Eight of them chose option A, 77 chose option B, and 15 chose option C. It can be seen that most people only have a general career direction for their future employment, which requires the school to pay attention to this and give students better employment guidance.
4. Do you plan to continue to work in finance after graduation?
A. Learning is for use. That's why I came. Anyway, see where you need me.
C.i don't want to deal with finance anymore.
Among them, 59 people chose option A, 39 people chose option B and 2 people chose option C.
Regarding whether to continue to engage in financial work after graduation, 59% people choose to engage in this job. On the one hand, it is very important to apply what you have learned, otherwise it is a waste of resources. On the other hand, the prospect of the financial industry is very broad now. In addition to banks, the financial industry actually includes brokerage, brokerage, futures and other industries. Even more public officials in the government rely on the supervision, management and audit of the financial industry. So most people think that finance is a very good place to work. Among them, 39% people hold a casual attitude, and they don't think it is necessary to engage in their own majors. It depends on the future. 2% chose non-financial majors, which is understandable. Even if you study now, you have no interest and little motivation.
If you are going to work in finance, when choosing a job, the industry you want to enter most is:
A. bank b securities c insurance
Among them, 75 people chose option A, 20 people chose option B and 5 people chose option C.
As far as financial types are concerned, 75% people choose banks, 20% people choose securities and 5% people choose insurance. Compared with securities and insurance, banking is a relatively stable job with higher income and better welfare, and China's banking industry is also in the main position of the financial industry. The securities industry needs more operational skills, and it is also promising in the financial industry. Compared with the first two, the insurance industry is still relatively unstable, and the current development situation is not very good, which has certain risks.
6. Do you think the financial courses you studied in the university will help you find a job in the future?
A.yes, it is very helpful. Yes, it's very helpful.
C.yes, not much help. D. no help
Among them, 7 people chose option A, 32 people chose option B, 52 people chose option C and 9 people chose option D. ..
According to the results of the questionnaire survey, we found that 6 1% students think that the courses of finance major are of little or no help in finding a job in the future, which shows that most students think that these financial courses are not very practical in their work. However, 40% of the students think it is helpful, which shows that they are still very optimistic about financial-related professional courses.
7. Are you satisfied with the employment prospects of your major?
A. dissatisfied B. dissatisfied C. unusual
D. satisfied E. very satisfied. I don't know
A.2 people B. 19 people C.50 people D.24 people E.5 people F.0 people.
For example, according to the survey results, 7 1% of the students choose to expect the employment prospect to be average, unsatisfied or even unsatisfied, which shows that the employment prospect of the financial industry is severe among the students surveyed, and the students majoring in finance have a sense of crisis and are worried that they will not find a job in the future. 29% of the students think that their employment prospects are satisfactory or very satisfactory, and these students are optimistic about their employment prospects.
8. What courses do you think are unnecessary in the current professional basic courses? (Multiple selections are allowed)
A. Money Bank B. International Finance C. Management Information System
D. Insurance E. Financial Law F. Econometrics
G. financial marketing H. management of commercial banks I. international settlement
J. securities investment science
Statistics of the number of people: seven are majoring in money and banking, eight in international finance and management information systems, 59 in insurance, 24 in financial law, 27 in econometrics, five in financial market 12, five in commercial bank management, seven in international settlement, nine in securities investment, and none in 12.
It can be seen that most students think that management information system is a subject that is not necessary to study, and because financial law overlaps with economic law and international finance that they have studied, many students think that this subject can be deleted. Only a few students have a choice. Nothing? It can be seen that schools should pay attention to whether there are overlapping subjects when offering subjects, and they can choose not to offer such subjects, so as to reduce the learning burden of students and the teaching burden of teachers and improve teaching efficiency.
9. The professional basic course you are most interested in is _ _ _ _ _ _ _ because:
A. the content appeals to you. Teachers are very interesting. C. there are various classes. This difficulty suits you.
The content is attractive, 3 1 person, the teacher is funny, 50 people have various classes, 7 people are difficult, and 5 people are suitable.
Students are interested in financial law, monetary banking, economic law, international finance and insurance, among which monetary banking and international finance get more support, and the reason for their interest is that they choose option B. The teacher is funny.
Questionnaire survey: College students are interested in basic courses such as financial law, monetary banking, economic law, international finance and insurance, among which monetary banking and international finance get more support. 565,438+0% of college students are interested in specialized basic courses because the teacher is funny, 34% of college students like this course because the content of the specialized course is attractive, 8% of college students are particularly interested in this specialized course because of the variety of courses, and 7% of college students are interested because of the appropriate difficulty.
10. Is there any practical course you want to learn and want to join the professional basic course: _ _ _ _ _ _ _ _ _,
Why _ _ _ _ _ _ _ _ _ _
Most students want to take some courses about financial management, accounting, etiquette and social interaction to supplement their study courses. Social etiquette classes can help you develop in an all-round way and improve your social skills. Accounting-related courses, many students are interested in this course, which is helpful for future employment. Financial management is beneficial for students to engage in related economic work.
Eight. Findings and recommendations
On the whole, financial majors have been popular in recent years, and their career prospects are generally optimistic. However, from the actual employment situation, polarization is more serious. According to the observation and statistics of an educational economics examination center, it is found that there are not a few masters of finance in well-known universities who pay attention to practice during their school days and have a deep foundation, and just got an annual salary of more than 654.38 million. The financial industry is at an important turning point and an important period of development. Take China financial center as an example. The number of financial employees in Shanghai is only1100,000, accounting for less than 1% of the total population in Shanghai, while in international financial center cities such as London and Hong Kong, this figure is around 20%. Therefore, the demand for talents in the financial industry is increasing day by day, but it is also the demand for senior management talents, technical talents and compound talents. At the grassroots level of the financial industry, because the number of financial graduates is increasing day by day, the majority of financial graduates are facing enormous employment pressure. Without excellent professional ability and excellent practical learning ability, it is difficult to find satisfactory jobs.
At the same time, it can be found from this survey that schools should pay attention to whether there are overlapping subjects when offering subjects, and they can choose not to offer such subjects, so as to reduce the learning burden of students and the teaching burden of teachers and improve teaching efficiency.
Suggestion:
The financial industry is at an important turning point and an important period of development. Take China financial center as an example. The number of financial employees in Shanghai is only1100,000, accounting for less than 1% of the total population in Shanghai, while in international financial center cities such as London and Hong Kong, this figure is around 20%. Therefore, the demand for talents in the financial industry is increasing day by day, but it is also the demand for senior management talents, technical talents and compound talents. At the grassroots level of the financial industry, because the number of financial graduates is increasing day by day, the majority of financial graduates are facing enormous employment pressure. Without excellent professional ability and excellent practical learning ability, it is difficult to find satisfactory jobs.
Therefore, for the employment of financial graduates, through the above survey, we can sum up some suggestions:
1, consolidate your professional ability and strive to improve your research level. In normal study, it is the only way to pay more attention to the cultivation of research ability.
2. While consolidating professional ability, it is very helpful to take part in some internship work and have some work experience, so you can get started quickly at work.
3. While paying attention to practice, it is in line with the general trend of the financial industry to minor in one or more courses in law, accounting and computer as far as possible and become a compound talent.
4. Regarding whether to inspect, pay attention to seize the opportunity. If you can broaden your employment prospects through exams, don't give up at all. One thing is absolutely certain: if you want to go higher, the undergraduate course must be as high as it can be; However, if we pay attention to the above three points, the work treatment of undergraduates will be very good.
With the deepening and development of financial reform, the competition among banks is becoming increasingly fierce. In the fierce market competition, it is urgent for our bank to overcome the difficulties it faces and embark on a road of characteristic development. At present, the transition period of China's entry into WTO has ended, and the financial industry is facing the objective reality of full opening. Faced with this situation, it is an important content of our bank to find out the problems existing in the operation and development of rural commercial banks and solve them. This survey starts with the business operation of our bank, finds out the problems existing in the business operation, and puts forward corresponding reform measures to solve the problems, so as to achieve the purpose of further developing our business.
I. Customer status of the Bank
(1) The proportion of high-end customers is low. High-end customer relationship is of high value and can bring high profit contribution to banks. According to the survey report of McKinsey & Company, there are about 30 million urban families in China at present, which can be called middle and high income families. The annual per capita income of these families is above $4,300, of which 4%, that is,1.2000 households, have deposits exceeding $65,438+million. This wealthy customer group actually accounts for more than 50% of the total personal deposits of China commercial banks and contributes more than half of the profits of China banking industry. However, the number of customers with high contribution and great development potential is small, accounting for only%, and there is a lack of high-quality customers.
(b) Low customer satisfaction. Bank customers' satisfaction with the current financial institutions is low, which is lower than the overall level of 75% in Asia, ranking third from the bottom among the countries and regions visited in Asia. This shows that the customer satisfaction rate is far lower than the overall satisfaction rate, and the higher the customer level, the lower the satisfaction of large commercial banks.
(C) Low customer loyalty. Customer loyalty is low, and many high-quality customers have transferred their most important banking relationships to other banks. The transfer or loss of high-quality customers shows their dissatisfaction with the existing services of banks. Many wealthy customers have given up our banks and invested in new and more customer-conscious competitors. Especially in recent years, with the gradual development of China's domestic financial market, the number of competitors is increasing, and the increasingly fierce market environment makes the influence of customer satisfaction on loyalty constantly enhanced. In the fierce competition with other commercial banks, a large number of high-quality customers who are dissatisfied with our bank are lost, which leads to a sharp decline in the loyalty of our high-quality customers.
Second, the main reasons that affect the development of enterprise marketing in China
First, the speed of business development has slowed down, the market share of core business has declined, the competitiveness of urban areas is obviously insufficient, and the market share needs to be improved urgently.
Second, business marketing is weak, and a rapid and effective market response mechanism has not been established. The marketing level, marketing model, marketing efficiency and marketing team quality need to be improved, joint marketing and comprehensive marketing are not implemented in place, and assessment and incentives are not implemented in place. The main problem is that the staff counter and business are under great pressure, so it is impossible? Go out? Marketing, motivation and income are not in place, which leads to the influence of marketing enthusiasm.
3. Difficulties in deposit organization. Banks pay attention to the time balance and sprint at the end of the month and the end of the season, but the deposits will drop seriously next month. Corporate deposits: system, finance and big customer deposits are less, mostly credit customer deposits. Personal deposits are also operated on the deposits of credit customers at the end of the month and in the quarter. For example, deposits in public accounts are transferred to individual depositors through credit. In recent years, the increase of commercial banks has brought certain influence on the development of personal deposit business.
4. There are strict requirements for the post regulations and staffing of grassroots business outlets. However, from the comparison of business efficiency and the use of human resources, it is difficult for many grass-roots banks to meet this requirement, so this situation has emerged. We're short-handed, and one person has more posts? , seriously affecting the quality of work.
5. Difficulties in marketing high-quality customers. If in the service industry, while constantly transforming potential customers into real customers, old customers are paid more and more attention and regarded as important resources of enterprises. With the increasing competition in China's banking industry, customer loyalty has been declining in the face of numerous bank choices, and few customers will be loyal to a bank. Customers constantly change jobs from one bank to another in order to obtain the maximum delivered value of the bank, which makes the cost and difficulty of developing new customers for banks increase.
6. ABC's internal system constraints, complex processes, affecting work efficiency, causing customer dissatisfaction.
Seventh, the increment of personal loans is still small. Mainly the impact of real estate policy.
Third, the rectification measures
(1) Actively adjust the development strategy and seek opportunities in the crisis.
The development strategy of an enterprise is the general program of enterprise management. For the impact of the crisis, the bank should carefully examine its own exhibition strategy, modify inappropriate parts according to the actual situation, and speed up the implementation of strategies such as renaming, entering strategic investors and strengthening regional alliances. First of all, we should adhere to the dialectical attitude towards the crisis. Crisis is both a challenge and an opportunity. We should firmly develop confidence strategically and establish the thinking of looking for opportunities in times of crisis. Secondly, we should deeply understand the national macroeconomic and financial policies and carry out reasonable institutional expansion according to our own conditions. Through the establishment of a new institution, on the one hand, it will expand its business scale and enhance its comprehensive strength; On the other hand, discover and reserve new markets and new customer resources, thus breaking through the original single geographical restrictions. Thirdly, seize the opportunity, introduce strategic investors and lenders on the basis of favorable conditions, accelerate the introduction of management and business platforms while enhancing financial strength, form alliances to the greatest extent, maximize their business scope, and enhance their ability to resist systemic risks. In addition, in the crisis, enterprises are most directly tested, so we should strengthen the customer development strategy, continue to increase the maintenance of core customers and the expansion of key customers, and provide sustainable support for business development.
(two) to strengthen the management of the use of new products and derivative products.
1. Strengthen the management of M&A loans. China Banking Regulatory Commission issued the Guidelines on Risk Management of M&A Loans of Commercial Banks, allowing qualified commercial banks to start M&A loans. This means that bank loans have been allowed to flow into the equity investment field for the first time since the central bank 1996 issued the General Rules for Loans, which stipulated that borrowers should not use loans to engage in equity investment. M&A loans are not just loans. At the same time, it will accelerate the transformation of investment banking business of commercial banks. This transformation mode will most likely make the bank's identity change from a simple lender to a financial adviser and finally to a shareholder. The liberalization of M&A loan business will enable banks to participate in equity investment, and will also bring rich profits and imagination to banks. At the same time, M&A loan has the characteristics of high risk, high technology content, high complexity and strong personalization. China Banking Regulatory Commission has set a high threshold for commercial banks to carry out M&A loans, and commercial banks should strengthen management and develop steadily in the initial stage of M&A loans.
2. Strengthen the management of financial derivatives. Commercial banks in China cannot blindly imitate the practices of western countries. To develop financial derivatives without restriction, it is necessary to establish a financial risk transfer mechanism according to the actual situation in China. Many financial derivatives developed in western countries have deviated from the scope of risk control and become tools for a few financial adventurers to pass on risks and seek criticism. The development of financial derivatives market in China must serve the real economy, and financial institutions must strengthen the management of financial derivatives.
(3) Accelerate business transformation and vigorously develop intermediary business.
1. Accelerate business transformation. In recent years, China's city commercial banks have accelerated their strategic transformation. Realize? Retail banking strategy? And then what? Integrated management strategy? . The main contents of strategic transformation include the transformation of income structure, business varieties and business model. The income structure has gradually changed from the income model based on spreads to the model of paying equal attention to spreads and handling fees. Business types have gradually changed into markets and businesses that have little impact on direct financing and profit marketization, supporting retail business, expanding the proportion of retail business and intermediary business, vigorously developing investment banking business, and increasing the ability to provide services for small and medium-sized enterprises, with special attention to emerging service industries. The management mode has changed from hierarchical system to matrix system and unit system. Strategic transformation is the need for city commercial banks to adapt to interest rate marketization reform, financial disintermediation, increase profit sources and provide customers with all-round financial services.
2. Strive to expand the income from intermediary business. In the second half of 2008, China's interest rate continued to decrease, and the adjustment range of loan interest rate was greater than deposit interest rate (deposit decreased 189 basis points and loan decreased by 2 16 basis points), which squeezed the profit space of city commercial banks and objectively required them to further expand their intermediary business income. At the same time, the growth of intermediary business. It will greatly expand the growth space of city banks' future income and profits, which is of great significance for city commercial banks to resist the risks brought by the further deterioration of the financial crisis.
(four) to develop a scientific evaluation, establish a healthy management concept.
As a commercial bank, the pursuit of profit maximization is the business purpose of city commercial banks. However, the pursuit of profit maximization should be based on a certain basis. Without business foundation, divorced from reality, commercial banks are required to realize surreal profit plans in a certain period of time, which will force grass-roots units to engage in short-term behavior, realize temporary profit maximization, and lay hidden dangers for later operation. In particular, linking profits with the political achievements of presidents at all levels as the main basis for the promotion and reuse of presidents makes all kinds of hidden risks inevitable. Therefore, to evaluate the business performance of branches of commercial banks, in addition to the book data and indicators, it is necessary to comprehensively check and evaluate the hidden risks, formulate the corresponding index system, monitor the hidden risks, and check the book indicators together to ensure the robustness of business operations. At the same time, it is necessary to turn the past rigid assessment indicators into guiding indicators, especially the distribution of profit plans and deposit growth plans should be realistic, and the indicators should not be set high and across the board. Commercial banks are different from other industrial and commercial enterprises. Once the risk ratio is too high, it will take a long time to make up. Therefore, all branches of commercial banks are not allowed to exchange hidden risks for immediate profit maximization. We should correctly handle the relationship between the pursuit of profit maximization and steady development, establish the concept of steady development, and ensure the normal operation of enterprises.
(V) Improve the risk identification rate and improve the supporting measures for risk delivery.
The earlier financial risks are discovered and disposed of, the less losses financial institutions suffer and the lower the cost of risk management. Credit rating of financial institutions, differentiated supervision according to credit rating, establishment of corresponding risk prediction model, strengthening on-site and off-site supervision, finding problems from report analysis and on-site inspection, and reducing the randomness of financial supervision. According to China's national conditions, it is a weak link in China's supervision to find financial risks in advance and deal with them in time, especially in dealing with them in time. Many times, due to the constraints of funds, policies and other aspects, effective measures are not taken, which leads to the long-term difficulty in solving the already serious problems. In this regard, it is necessary for China to complete the relevant supporting policies for risk disposal as soon as possible, such as formulating preferential policies for reducing or exempting legal fees, property transfer fees and taxes for financial institutions that have been merged, reorganized and closed, so as to create conditions for timely handling of risks.
(6) Strengthen the enterprise concept, advocate win-win cooperation and crisis.
In the face of crisis, the interests of banks and enterprises are known. Because banks have the most contacts with enterprises and industries, they may have a deeper and more thorough understanding of various industries. Therefore, banks should pay attention to strengthening communication with enterprises and take various forms to help enterprises correctly understand and deal with the crisis. At the same time, we should also strengthen the propaganda of management concepts, pay attention to doing practical things for enterprises, and solve practical difficulties for enterprises, especially in times of crisis, we would rather give a hand than push it, rather than just icing on the cake. Therefore, in the crisis, we must really do this for enterprises, advocate the concept of win-win cooperation and help enterprises tide over the difficulties. After all, only by retaining customers can we retain the market and achieve long-term development.
Facing the adjustment of national economic structure and the change of development mode. The development model that the bank has been following, with scale expansion as the main means, credit assets as the main product and interest spread as the main profit channel, has become increasingly unsuitable for the changes in the external environment. Therefore, adjusting customer structure and promoting strategic transformation are the only way for CCB to continuously improve its competitiveness and realize scientific development.