Are you going to work in a bank or a securities company? Can be considered from the following angles:
First of all, in terms of work content, banks and securities companies are both financial industries, and their work content is similar. They all deal with money and people, but there are differences. The work of banks is actually more mechanized and relatively fixed. What they face every day is nothing more than money, bills, bills, and generally there will be no big changes in three to five years. Securities companies are not, and securities practitioners also face the above problems, but in addition, because the securities industry deals with the stock market, it will be exposed to a lot of financial knowledge, economy, military affairs, various industries, various policies, etc., and what it can learn will be much more, which will be less boring than banking!
Secondly, from the perspective of financial management, the wealth management products in the hands of bank practitioners are very single, which are nothing more than bank wealth management and fixed income. There are not many wealth management products that can be provided to customers, and not many people can understand them, but securities practitioners are different. The wealth management products that securities companies can provide to customers are much richer, ranging from fixed income products to equity products, including money funds, bond funds, securities funds, stocks, reverse repurchase of government bonds, futures options and other products with various risk levels, which can train practitioners' ability to serve customers and learn more knowledge and ability.
Finally, pay attention to salary and future development. In second-and third-tier cities, the salary of banks is generally between 654.38+ 10,000 to150,000. Securities practitioners in cities of the same level may not be as good as banks, but the securities industry is cyclical. In the bull market stage, the salary of the securities industry will be several times that of the bank employees! From the perspective of future development, many types of jobs may be replaced by artificial intelligence, because more jobs are done by bankers. Securities practitioners who provide diversified wealth management products to customers are more flexible and may have diversified development in the future!
To sum up, the advantages of choosing a securities company seem to be greater, but everyone's situation is different, so you still need to think about how to choose. The above are just some industry facts to provide some perspectives for thinking.
As a ticket holder, I have been in both securities firms and banks. If you only have certificates such as securities and futures, it means that you are almost always at the grassroots level, whether it is a bank or a brokerage. Based on this, it is strongly recommended that you choose a bank.
From the perspective of job seekers, that is, your personal identity, I suggest you choose a bank.
First, if you are a fresh graduate. I suggest that you start to pay close attention to the school recruitment notices of major banks in the last semester of your senior year, and actively participate in the corresponding written test and interview activities. Because the four major state-owned banks in China, namely Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, recruit a large number of fresh graduates every year in order to fulfill their social responsibilities, which means that if you can't get into any of the above four banks in your senior year, you may never get into them again.
On the other hand, brokers are hiring people almost all the time, so even if you feel uncomfortable staying in the bank in the future, you can enter the brokerage as a non-graduate student.
In my senior year, I passed the campus recruitment of banks and brokers. After attending the internship of a brokerage firm, I chose the bank, because I miss the bank, and I may never enter this industry again.
Second, if you are a member of the public and have access to a bank, I suggest you choose a bank. First, at this stage, the social recognition of banks is still higher than that of brokers. This means that your platform is bigger and your business is better. However, due to the poor performance of the A-share market, the quality of investors is uneven, which also leads to the poor development of the entire brokerage industry. You can know how mobile this industry is by recruiting account managers from brokers all the year round.
Judging from the return that the job itself can bring to job seekers, I suggest you choose a bank.
First, choosing a bank means that you will work with more excellent people. Although the quality of bank employees is mixed, after all, the competition to enter a bank is indeed greater than that to enter a brokerage firm, which means that your future colleagues have defeated many opponents like you in job hunting, and you can learn more from an excellent and more stable group like you. Brokers are highly mobile at the grassroots level, and the entry threshold is low. You will be exposed to more unstable factors, and your communication and contact will be limited.
Second, although the bank's income in recent years is not as good as before, it is still guaranteed by drought and flood, which has the stability of civil servants' work, but it is very likely to get more money than civil servants in the same region. However, brokerage is an industry that depends on the weather. A bull market lasts three years a year, but once you enter a bear market, your business will be difficult to carry out and you may have to live on your basic salary. Judging from the current A-share short position, you probably won't make any money.