To be a banker, you need to have basic accounting professional knowledge, corporate financial reporting knowledge, relatively systematic bank settlement knowledge system and overall financial knowledge system. As long as you work hard, you can master the basic logic through self-study courses.
With these basic knowledge, all you need to do is become a saint. In the words of Charles Munger, Buffett's partner, you need to have universal values! What is universal value? Is that you have a relatively perfect cognitive system. You can see through the laws behind the social operation. Because as a banker, he provides loans and deposits to the society, which is related to everyone and the development of a country and a society, so he should have a deep understanding of all walks of life in society!
Just like Buffett and Charlie, they wholeheartedly look for those enterprises with sustainable competitiveness. When the stock prices of these enterprises are appropriate, decisively buy the stocks of these enterprises. This is their investment philosophy! Although their investment philosophy is simple, they need strong judgment to judge whether an enterprise has sustainable competitiveness and whether an enterprise has a suitable stock price, which is beyond the ability of a specialist, which requires people's comprehensive ability. This comprehensive ability is based on a series of social comprehensive disciplines such as understanding society, understanding human nature, understanding history, understanding geopolitics, and understanding enterprise management.
How to form this ability? This requires a method to analyze and solve problems. To put it bluntly, this is a person's philosophy of life. When you have a clear solution to the problem, then this solution will bring you great value. Of course, what we are talking about is your personal solution to the problem, which is effective and has been tested by practice. How to establish a personal solution to the problem? Reading classic works in various fields is the only way.
2. What university courses are needed for bank credit?
University courses required by bank credit: University courses required by bank credit include western economics, international finance, monetary banking, financial market, introduction to world economy, financial engineering, international insurance, trust and leasing, corporate finance, securities investment, operation and management of commercial banks, financial statistical analysis, international settlement, international economic law, international trade theory and practice, and financial English.
The most traditional banks are also undergoing subtle changes. At present, the head offices of major banks are establishing internal risk management models, and talents in this field are urgently needed. However, due to the rigid employment system of banks, truly qualified people may not be able to do this.
The industries that finance majors can engage in in in the future mainly include: banking financial institutions (commercial banks, investment banks, rural credit cooperatives, etc. ) and non-bank financial institutions (securities companies, insurance companies, foreign exchange and wealth management institutions, etc. ).
Bank: CEO, president, director, partner, branch manager, operation, financial manager, finance, foreign exchange trading, asset evaluation, credit management, credit investigation and other positions.
Securities industry: securities, foreign exchange, risk, consultant, futures manager, futures, foreign exchange broker, securities analyst, media analyst, stock trader, futures trader, fund management, fund manager, fund product development, fund sales and other positions.
3. What university courses are needed for bank credit?
University courses required by bank credit: University courses required by bank credit include western economics, international finance, monetary banking, financial market, introduction to world economy, financial engineering, international insurance, trust and leasing, corporate finance, securities investment, operation and management of commercial banks, financial statistical analysis, international settlement, international economic law, international trade theory and practice, and financial English.
The most traditional banks are also undergoing subtle changes. At present, the head offices of major banks are establishing internal risk management models, and talents in this field are urgently needed. However, due to the rigid employment system of banks, truly qualified people may not be able to do this.
The industries that finance majors can engage in in in the future mainly include: banking financial institutions (commercial banks, investment banks, rural credit cooperatives, etc. ) and non-bank financial institutions (securities companies, insurance companies, foreign exchange and wealth management institutions, etc. ).
Bank: CEO, president, director, partner, branch manager, operation, financial manager, finance, foreign exchange trading, asset evaluation, credit management, credit investigation and other positions.
Securities industry: securities, foreign exchange, risk, consultant, futures manager, futures, foreign exchange broker, securities analyst, media analyst, stock trader, futures trader, fund management, fund manager, fund product development, fund sales and other positions.
4. What major does a loan officer need?
Education and training: College degree or above in finance, economy or related major; Need to study finance, economics, marketing, management, banking and other courses. Work experience: at least 2 years working experience in bank credit and other related businesses; Need to have good listening, communication skills and affinity. Under the modern economic model, loan officers play an increasingly important role as a bridge, which is the link between enterprises and other commercial institutions and banks. Loan officers help potential customers to apply for loans. At the same time, credit personnel should collect specific information of individuals and enterprises, and analyze the borrower's credit status and repayment ability to ensure the reliability of decision-making. Loan officers also provide guidance to customers who have difficulties in traditional loan credit requirements, including: providing the best type of loans for specific customers and explaining their specific requirements and restrictions. Modern loan officers lack senior talents, especially those with good quality, good employment prospects and good treatment. On the other hand, the conditions are secondary, as long as they are not too bad. At least a college degree? Don't look too scary, okay? Is the expression basically ok? The three most important conditions are: someone! Someone! There are people! Follow-up: I asked if there was any need for textual research and what to test. Answer: No, it seems that you have no practical work experience, and the conditions are for reference only. The point is that people will believe you. The three most important conditions are: someone! Someone! There are people! It's hard if it doesn't matter Don't be naive.