First of all, Shanghai International Studies University is directly under the Ministry of Education and jointly established with the Shanghai Municipal Government. It is a national key university in the national "211 Project" and has a certain reputation. I’ve heard that it’s easy to find high-paying jobs in the English department at SISU, but I don’t know about the finance department. Generally speaking, those who graduate from the finance department can go to these places. Banks, securities, investment companies.

The first is banks. Banks need to take the entry examination organized by the bank. If you pass it, you will have a re-examination interview, etc., which is similar to taking the civil service examination. Most people who work in banks work as tellers, who help customers handle deposits and withdrawals. A small number of people can enter the credit department, which is responsible for lending money to companies or individuals. The credit department is quite popular, because companies that want loans usually give gifts to the credit department, and there is money to be made in the credit department. But it is not easy to get into the credit department. In addition to ability, you usually also need to have connections. This is an unwritten rule. Currently, there are so many people who want to join banks, but so few people are willing to stay at the grassroots level. This has resulted in banks being overcrowded at the top and lacking staff at the grassroots level. The current approach of most banks is to require their employees to start as "lobby managers" (responsible for consulting, asking for directions, receiving, maintaining hygiene, etc. in the bank lobby) after joining the company, and then work for a period of time (such as half a year). Assigned to various departments. Because many employees want to stay in the city center and are unwilling to be transferred to the suburbs, this has caused overcrowding in the urban branches of various banks, while the branches in the suburbs and peripheral counties are understaffed. Nowadays, even if you work as a teller in a bank, you are usually assigned to a suburban county. If you want to stay in the city, you need someone above you.

Future: Working in a bank, the future is not very good. Don’t dream of becoming the president of the head office, that is basically impossible. The career of a standard male bank employee is: graduate at the age of 23, work as a lobby manager in a bank, become a teller half a year later (starting to be exposed to cash), become a general teller (handling more business) at the age of 24, and work as a teller for about 3 years As they get older, if their superior managers retire or get into car accidents, they will be promoted to directors (similar to workshop leaders) to manage the newbies who have just joined the bank. Then work for 3 years and get promoted one level. The professional title will increase, but the power will not increase much. When someone is 35 years old and looks like the second-in-command of a business office, and when he is 40-year-old and looks like the top person in a business office, they are commonly known as "directors." Then if you know how to be a good person and have connections, and become a branch manager of a regional bank at the age of 45, then there will be basically no room for advancement. If you don't know how to be a good person, you won't be able to find a director at the age of 40, and basically won't be promoted. You can prepare for retirement after working for a few more years. Those who are provincial bank presidents or branch and sub-branch presidents in important cities basically have no chance.

Generally speaking, bank jobs are relatively stable and suitable for people who like stability. Moreover, the social status is good, and both men and women have no worries about finding a partner. The income is very low at first, but when the position becomes higher, the money becomes more. Social welfare benefits are very good. Competitive majors faced by finance majors who want to enter banks are economics, marketing, statistics, English, etc.

Second, enter a securities company (as well as a fund company and a futures company). This is the current destination of most finance graduates after graduation. What you do in a securities company is basically business work. He is an account manager who attracts customers to open accounts to speculate in stocks, funds, stock index futures, etc. The basic salary is very low, but in a bull market, the commission will be very high. (You may be hungry if you encounter a bear market). You can also do investment banking business when you join a securities company, but basically, graduates from the finance department cannot do investment banking business because they lack accounting knowledge. Securities companies generally recruit people who have graduated from the accounting department or the financial management department and passed the CPA exam to do investment banking business. Within securities companies, employees who work as account managers are ranked lower than those who work in investment banking. Usually securities companies do not focus on cultivating account manager employees, but simply leave them to fend for themselves and let the law of competition (survival of the fittest) have the final say. The account manager signed a labor contract with the securities company, but in the internal system of the securities company, the account manager is not its employee. They seem to have a concept called "establishment", and those who are "established" are "one of their own". Ordinary Account managers are "unestablished", and they are "established" only when they are promoted to sales managers. There is a very big difference in remuneration between the two types of employees, "unemployed" and "established". Generally, the monthly basic salary of "unemployed" account managers (and securities brokers, etc.) is only about 1,000 (some as little as 800, some as much). 1,400, depending on the city), and the rest depends entirely on commissions from customer transactions. As for "established" employees (sales directors, regional managers, etc.), the basic salary will be more than 5,000 yuan (depending on the city). Employees who work in investment banking are "established" as soon as they join. Employees who work as account managers generally take one or two years to become "established."

Future: Promotions in securities companies are relatively fast, because the elimination rate is very high, and no one else can continue to work. You are almost gone, and you are the only one left, and you have been in the industry longer than new employees. You Just got promoted. You can be promoted to area manager, sales director, etc., or you can become a securities analyst after you have been around for a long time and have experience in stock trading. Generally speaking, as long as you can survive in this industry, you can do very well by the age of around 30.

Generally speaking, the entry requirements for securities companies are relatively low. You do not necessarily need to graduate from the finance department, nor do you need to have a deep professional background. Basically, you can get in with a high school degree, and you need to have extensive communication. Get to know more big bosses, know more people, and the more people open accounts and trade, the more money you will make.

Third, various investment companies

This kind of investment companies usually advertise that they are working with large financial groups (such as Emperor Financial Group) or large exchanges (such as Tianjin Rare Metal Exchange) They operate under the brand name of large exchanges and large financial groups, flaunting themselves as their agents, partners, etc. They want to hint and emphasize to their employees and investors, "I am a large financial group and I am a large exchange." So, I am very reputable, please believe me, just use the money to open an account!” In fact, these types of companies are just small companies that open accounts as agents, and their relationship with exchanges or large consortiums is usually just between agent and agent. Their business is mainly to act as an agent for gold (London gold, Tokyo gold, Hong Kong gold, etc.), foreign exchange (US dollars, pounds, yen), rare gold (rare metals, indium), etc., allowing people with spare money to open accounts for speculation (the minimum account opening is The amount is like $5,000), and they earn commission. These three types of investment products are similar to futures and can be long or short. They are more flexible than stocks and have greater risks.

Now these small companies also provide "private equity funds", which means investing a large amount of money (usually more than 300,000 yuan), and then handing it over to professional personnel to help you trade stocks, and share the money with you , they provide a minimum guarantee if you lose money (that is, they guarantee you a maximum loss, and the investment company will bear the loss for you). This industry is similar to securities. You work as an account manager, attract people to open accounts, and earn commissions.

Prospects: This industry basically does not provide a basic salary (some companies provide a quasi-basic salary such as "living allowance"). Only when you get customers can you make money. If you don't get them, you will go hungry. Because they are basically small companies, they can rise quickly, but the room for growth is very small. The best model is to work for a few years, then establish your own foundation and open your own investment company.

Finally, there is the insurance industry. There are very few people who graduate from the finance department and enter the insurance industry. Even if they do, most of them work as insurance agents, commonly known as "insurance sellers." There are very few people who can get into insurance companies, because they don’t really need people with financial majors, but they need administrative management, file management and so on.

The insurance company has an "actuarial department", which estimates the natural evolution of the population through the large number theorem and central limit theorem of probability theory. To enter this department, you need to take the "registered actuary" exam. If you can take this exam Not many people have the certificate, and they are all very good at mathematics, and the cost of taking the exam is also very high. If you pass the exam, your income will be very considerable, say 7 figures a year at least. Compared with the aforementioned CPA, the latter can basically be called a piece of cake. Generally, people who take the actuary exam are 30-40 years old and have thin hair. I have never met anyone who passed the actuarial exam after graduating from an undergraduate degree. Therefore, fresh graduates basically cannot enter this department.

Future: If you sell insurance, your income will be very low in the first year, but the longer you persist, the higher your income will be. There are two paths in the insurance industry. One is selling insurance (mainly selling life insurance and auto insurance), and the other is developing human resources, which means you need to recruit all your subordinates. After you develop a few subordinates, you will be promoted to "director", and then your subordinate will recruit his or her subordinates, and the development will continue level by level. The speed of promotion in the insurance industry depends entirely on your own ability. The stronger your ability, the faster you will be promoted. There are salesperson-director-senior director-senior director-department manager-senior manager-director, etc. However, we need to be reminded that no matter how high the price is, we are still selling insurance and it has nothing to do with the insurance company itself.

In general, the insurance industry is very good at training people, especially their courage and mouth (expressive ability). You can give it a try. The threshold is very low, basically anyone can go, and they often accept everyone who comes. Social recognition is not high.

The above are several major financial industries. In fact, graduates from the finance department do not necessarily need to enter the financial industry, other industries are acceptable. I feel that most of the work in the financial industry should not be done by people from the finance department, but by people from the marketing department. Most of the work feels like sales and selling things. Nowadays, there are many majors in various colleges, but the curriculum arrangements are similar. The Department of Finance also studies marketing courses, the Department of Accounting also studies international trade, and the Department of Business Administration also offers investment courses.