1, investment bank manager
Background:
Finance is the most attractive and ever-changing hot industry in modern economy, and various financial assets provide people with numerous investment and financing tools. As an important channel connecting the money market and the capital market, investment banks will further develop, enrich and improve China's direct financing means. In today's nationwide stock market boom in China, major investment banks have also played the role of "catalyst".
/kloc-today, 0/00 years later, investment banks are undertaking traditional businesses such as securities issuance and underwriting, securities trading brokerage and private placement, as well as core businesses such as enterprise merger and acquisition, project financing, venture capital, corporate finance, investment consulting, asset and fund management, asset securitization and financial innovation.
Job requirements:
In terms of specialty, financial talents who have systematically studied finance, investment, law, law and financial portfolio management are required. If you can have knowledge of interpersonal communication, customer management and other management aspects at the same time, you will have a competitive advantage. In addition, investment banks have higher requirements for candidates in terms of experience. Many high-end positions set by investment banks generally give priority to senior talents with practical experience in companies in the same industry.
2. Financial information personnel (including operation supervisor and network administrator)
Background:
The development of modern financial industry is inseparable from financial innovation, and financial informatization is one of the sources of financial innovation.
Since 2000, the major commercial banks in China have started to handle business in a centralized way, and gradually opened well-known online financial services such as online banking and online payment by using Internet technology and environment. At the same time, professional words such as bank security and service, electronic payment, bank card interconnection, CA certification and so on are no longer distant words from us, all of which are attributed to financial informationization.
Professional requirements:
For graduate students with economic and management backgrounds, the dual backgrounds of science, engineering and finance are rare. After systematically studying courses such as e-commerce, computer science and technology, electronic science and technology, information engineering, finance and financial management, these talents have more advantages.
In addition, people who are interested in financial information analysis also need to have good reading and writing skills in Chinese and English. Because the foreign technology and talents introduced by major financial companies need to communicate and communicate skillfully in English.
3. Risk controller
Background:
As the pride of economic circle, financial institutions have unique scenery and extraordinary value. However, the financial industry combines wealth, wisdom and credibility, and the benefits and risks are "double high". With the opening of the financial market and the changes in politics, economy and market, international financial capital will flow rapidly at home and abroad, and the risk awareness of the financial system will gradually increase.
Professional requirements:
Majors tend to study financial mathematics, financial engineering, mathematical statistics and related majors. It requires sensitive financial control, good at rational analysis, understanding the pricing theory and model of financial derivatives, and mastering the relevant knowledge of futures securities, finance and agricultural products. Professionals who have in-depth research on futures and securities markets have a competitive advantage.
In recent years, in order to effectively control financial risks, fund companies and futures companies urgently need a group of professionals. Yang Jingli pointed out that in the future, more companies will need professionals who are proficient in risk control, and such talents will have more development prospects in the future. At present, there is a shortage of talents in this field in China, and major companies will give priority to some students whose research direction is futures.
4. Asset and liability managers and assistants
Background:
With the increase of idle assets in people's hands, more and more people choose to invest in financial management. In order to improve the income, professionals are needed to rationally allocate assets and realize the Pareto optimal effect of assets. At present, under the guidance of professionals, it is the main task of asset-liability managers and assistants to let ordinary people enjoy the financial benefits brought by "portfolio investment and risk diversification"
Job requirements:
Professionally, it is required to systematically study talents in financial management, accounting, finance, financial investment and asset management. Among these majors, majors such as corporate debt management and asset flow are preferred, because they are more professional in asset-liability management. In addition, those who have obtained relevant qualification certificates such as FRM/CPA or ACCA, or who have taken these exams will be given priority.
Only people with a psychological foundation can grasp consumers' investment psychology and consumption expectations, so they have a unique competitive advantage. In 2007, a large number of college graduates will enter the asset-liability management industry. They can be employed as assistant asset-liability managers, asset-liability industry analysts and asset management portfolio analysts.
At present, the pattern of comprehensive management and cross-competition in China's financial industry is taking shape, and the pattern of cross-competition among banks, insurance and funds is gradually taking shape. Asset-liability management is a compulsory course for life insurance companies and commercial banks.
5. Financial Engineering Analyst
Background:
Financial engineering is a new financial discipline which takes modern financial activities as the research object, takes financial innovation as the core, comprehensively applies modern financial theories, tools, technologies and methods with mathematical analysis as the core, and creatively solves financial problems. It has strong application and technology. It introduces engineering thinking into the financial field, comprehensively adopts various engineering methods to design, develop and implement new financial products, and creatively solves the financial problems faced by various enterprises.
Professional requirements:
It is required to have a master's degree or above, a background in computer science and finance, be proficient in using computers, and master MATLAB, EXCEL and other software. Proficient in financial time series analysis and stochastic analysis theory; Proficient in using statistical analysis software, such as SPSS or EViews, familiar with risk analysis models such as Var and extreme value theory.
In addition, people who master the theory of systematic financial engineering and the analysis method of risk management, as well as computer professional knowledge, will have more competitive advantages. Because this position focuses more on engineering construction than just financial expertise, people who can combine information engineering with finance will have an advantage.
6. Securities analysts and assistants
Background:
There are more and more domestic investors, and major media have also set up stock comment columns, and many investment management companies specializing in securities investment consulting have also been established. The advantage of securities analysts lies in the smooth information channels and a large number of relevant information; Have enough time to make a systematic and comprehensive analysis of the market; Deep professional knowledge, skillful investment and financial management skills and rich financial management experience provide professional guidance for investors.
Professional requirements:
In terms of specialty, it is required to systematically study master students in securities analysis, securities management, finance, financial management, financial accounting and other related majors, master solid financial knowledge, understand the dynamics of the securities market and be familiar with financial products. People with practical experience, good customer service awareness, strong communication skills and comprehensive analysis ability have a competitive advantage.
To be a qualified securities analyst requires a professional foundation in securities analysis, and those who are proficient in financial management can analyze the investment and net worth of securities more reasonably. Only job seekers who combine these aspects will have an advantage.
7. Insurance financial planner
Background:
China's insurance industry has shifted from single insurance sales to the marketing of portfolio products, investment links and universal insurance products, and participated in household income and expenditure financial services. In the period when wealth management business began to become the mainstream of product marketing in the financial market, the requirements for insurance agents' knowledge level, professional skills and communication skills were obviously different from those in the traditional business period.
Professional requirements:
Students majoring in finance and insurance such as investment and wealth management, asset evaluation and management are preferred. Insurance financial planner is a position integrating insurance specialty, financial management and asset evaluation. At present, there are not many people who have actually obtained the qualification of insurance financial planner in China. If you have a good knowledge of these three aspects, you will definitely have a strong competitive advantage. Jin Cheng FRM Bian Xiao thinks that graduate students who have the ability and want to apply what they have learned can consider going to a securities company for development.
Generally speaking, those who specialize in insurance may have poor financial planning, while those who specialize in finance may lack communication with customers due to lack of training. If insurance knowledge and financial management knowledge can be integrated, there will be more advantages in the development of this position.
8. Financial planners of foreign banks
Background:
The sustained and rapid growth of China people's wealth is undoubtedly the fundamental driving force for the emergence and development of financial planners. Reality tells us that there are more and more rich people in China. Residents are not satisfied with their financial activities in China, but turn their eyes to some big-name foreign banks.
Professional requirements:
Foreign banks require talents with CET-8 or above, who can quickly read financial English materials and cases, present project solutions in English, have excellent interpersonal skills and communicate with customers confidently and maturely. Students who study international trade and foreign economic relations and trade generally have a competitive advantage.
9. Life insurance planners and assistants
Background:
The development of insurance market is one of the important pillars of the whole financial system. The CIRC officially promulgated the newly revised Regulations on the Administration of Insurance Companies, which clarified the market access and regional restrictions of insurance companies and lowered the threshold. It can be predicted that the new regulations will attract a large amount of funds to invest in the insurance industry in China, and the insurance industry in China will usher in a new development peak, which will inevitably lead to a peak demand for talents.
Job requirements:
Master students who are required to master financial knowledge such as financial management, customer service, strategic management and financial accounting. Only by combining customer service with finance can planners have advantages, so accounting students can take customer service and interpersonal communication as their own advantages; Those who study management can turn accounting learning into their own characteristics.
For master students, they generally start with assistants, start with life insurance planners, and develop in the direction of financial planners, senior group training, trainers and senior administration. Personnel companies with qualifications such as certified public accountants and FRM are generally preferred.