I. Commercial banks include domestic branches of the four major banks, joint-stock banks and foreign banks.
2. Securities companies include fund management companies.
Three. Trust and investment companies and investment consulting companies
Four major asset management companies, financial leasing and guarantee companies.
Verb (abbreviation for verb) insurance company
6. Central Bank, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission. . This is the financial regulator.
Seven, the National Development Bank, China Agricultural Development Bank and other policy banks.
Eight, social security fund management center (or social security bureau, usually in the direction of insurance)
Nine, the sequence of national civil servants. . Government administrative agencies such as finance, auditing and customs; Teachers majoring in finance in colleges and universities; Research institutions, researchers.
Ten, listed (or to be listed) joint-stock company securities department, finance department, securities affairs representative, secretariat of the board of directors, etc.
Analysis:
1. Since 1998, the demand for financial graduates from banking, securities and insurance industry management institutions has increased, and it should be the first choice for financial graduates to enter the industry management department as financial civil servants, because, first, China finance is based on macro-economic and financial market macro-control, and its professional application is easy to start; Secondly, after working in the industry management department for 3 to 5 years, you can give the practical organization at least one middle-level post. The limitations are: it is difficult to enter the competent departments of these industries, and background support may be needed. It is difficult for undergraduates to enter, and graduate students must have a certain relationship.
Second, it is a good choice to enter the four major state-owned commercial banks. With certain banking experience and professional background, the possibility of going to joint-stock firms or foreign banks will increase.
Third, policy banks such as Development Bank and Agricultural Development Bank are also better choices, but their work nature is similar to that of civil servants, and their financial business is not prominent, so they are places to eat policy meals. If they want to become a temporary climate in the financial field, it is best not to do so, but the current salary level and treatment are better than those of commercial banks.
Fourth, securities, trusts and funds are all risk management, and there are systemic risk factors in the industry. But their business is booming, making money is relatively easy, short-term returns are high (risky), and they operate according to the real enterprise management mechanism. If you want to develop professionally and make achievements, working in this industry is an excellent choice. Many fund managers and investment bank managers earn more than 1 100 million a year. The difficulty is that the academic qualifications are gradually improving, and the requirements for personal investment management and financial management operation ability are higher than those of financial institutions such as banks.
Five, insurance companies can refer to the analysis of commercial banks, social security and financial audit departments. , are places for the elderly, with more stability and less flexibility.
Six, the four major asset management companies are similar to policy banks, and the financial leasing guarantee industry is developing rapidly, so it can be considered to enter.
Seven, the securities department of listed companies can also work, which spans two lines of the securities industry in nature, and then has a foothold in development.
Universities and research institutes are the first choice for students who are interested in academic work.
Financial management and international finance are the next train of thought, and their training goal may still be the original business operation or financial enterprise management, with more emphasis on international business. . That's good. At present, what China lacks most are financial institutions, professional management talents and banking professionals who are proficient in international business. If you have specific requirements for English, it is also a good choice to work in foreign-funded financial institutions. The financial market and financial engineering are hot now, because the domestic financial industry has noticed the shortcomings in the integration of financial instruments, model construction and the training of mathematical analysis talents in the past, and has noticed that attracting these talents in securities companies, trust companies, insurance companies and even some large domestic commercial banks should be a better choice.
If your goal is to enter the four major head offices, then you should pay attention to publishing a certain amount of insightful literary theory in famous domestic financial professional journals at the postgraduate stage, which is usually called learning ability or research ability. At the same time, you may wish to contact more branches of local commercial banks and work part-time. . It is best to further study for a doctorate, and to take the doctor's degree from a famous domestic teacher. . . Wuhan is an important town in Central China, but it will develop in the future.
One of my classmates works in the provincial supervision office of the People's Bank of China. He said that they followed the sequence of civil servants, and of course the treatment was much better than that of ordinary civil servants. . . Every February and March, the People's Bank of China has an internal recruitment examination. Take North China under the jurisdiction of Tianjin Branch as an example. Baoding is an exam, and the three-level recruitment of branches, central branches and branches must pass this exam. Take Taiyuan Special Office of China Securities Regulatory Commission as an example. When I graduated, one of our classmates passed the exam and at the same time passed the civil service qualification exam. That's all. . . The salary is better and there are many opportunities for promotion. It should be a good choice for undergraduate or graduate students.
I don't know much about the head office and the general meeting, but I am familiar with it.
1. The salary of policy banks is usually similar to that of the People's Bank of China, but there are many kinds of benefits, bonuses and subsidies. Even a friend of mine, who works in IFAD, inexplicably gave a quarterly bonus for half a month, which is even more common in normal times.
2. Among securities, funds and trusts, the former two are mainly engaged in the management of securities assets, while the latter is an industry with a large business space, spanning capital security, industry and currency. Generally speaking, investment banks refer to securities companies and trust and investment companies.
3. going to securities and funds depends on what kind of work you want to do. It is very good for recent graduates of fund companies to be fund assistants, mainly recruiting graduate students in finance, law and economy; In terms of securities, because it is divided into several profit margins, it is good to study marketing or financial management if you are engaged in brokerage business. If you want to learn the laws of investment banking or securities investment, corporate finance and financial engineering, there are many counterparts.
At present, the asset management companies in China mainly deal with the non-performing assets of large and medium-sized state-owned enterprises and the original four major commercial banks. There is still a gap between what you said about financial innovation. You can study law, finance or investment.
5. It is more suitable to study securities investment, financial engineering, corporate finance, law and industrial economics in investment banking. . Larger investment banks usually like to recruit people from famous domestic universities. I know that Peking University, National People's Congress, Tsinghua, Fudan University and Shangcai are all good choices, but there are exceptions. If your personal ability is outstanding, more general science and engineering colleges will enter. I know a colleague named Shen Wan, who graduated from North Jiaotong University with a professional background in industrial economics.
6. It is relatively appropriate to study financial marketing or financial engineering, but the situation in each school is different. Nankai is strong in this respect, but it requires a good foundation in mathematics. . At present, all major banks, brokers and trust companies pay more attention to this major, especially foreign banks, which are mainly engaged in the research and development of financial products and modal analysis of investment tools. This is a cutting-edge and nearly foreign financial quantitative management idea.
7. The finance of the National People's Congress can be called one or two in China. . Of course, this is related to NPC's alumni resources. Just look at the famous alumni of NPC in financial circles, state-owned banks and various financial institutions. NPC usually goes to the head offices of major banks or the People's Bank of China, the "Three Meetings", several joint-stock commercial banks (with considerable salaries) and the headquarters of securities companies that are now expanding vigorously. . Shangcai is extremely strong in Shanghai, which is related to Shanghai's status as a financial center. I don't know much about Shanghai Jiaotong University. . "The annual salary of graduates of the National People's Congress100000" is related to their industry and cannot be generalized. If it is a big domestic bank, it may be difficult to achieve this goal. If the annual salary reaches 60,000 to 70,000, it will be considerable. In securities companies, yes, but it depends on the ups and downs of the securities market and positions. Among the four major financial pillar industries, the Bank will remain in a strong position in the foreseeable future, with long-term accumulated capital and institutional network advantages. . At the same time, after a period of integration, the banking structure in China will be more optimized, the competition will be more intense, and the management will be more scientific and reasonable. The introduction of modern management thinking management mechanism is gradual, and having certain banking experience is beneficial and harmless for you to go to foreign capital or other financial institutions in the next step.
I am still optimistic about the development of the banking industry. After all, the securities industry is still a weak industry (the capital market is imperfect and immature, the securities management system is unreasonable, the development of investment banking business is highly dependent on the economic environment, and uncertain factors may have an impact on the whole industry, etc.). ). His capital, his network, his products and services, and the profit growth of his business cannot surpass the banking industry under the condition of separate operation. Together, if one day China breaks the separation line, securities companies will transform or expand to commercial banks or adopt the form of financial holding companies to realize substantive mixed operation. . It is not unpredictable, so bank management talents will be popular in the market.
In the choice of professional direction, financial management may be more suitable for working in banks and securities companies, and financial engineering talents are also urgently needed for the next development of commercial banks, and at the same time have a certain leading position in the whole financial industry. As far as I know, Southwestern University of Finance and Economics is very strong. Finance is a key discipline, and it is also the earliest unit that has the right to award doctors in this discipline, which is also recognized by the industry. In recent years, it is because its geographical advantage is not outstanding.
Tsinghua's finance is mainly based on micro-quantitative research, which has certain origins with the financial research methods of western countries, especially the financial mathematics research and financial engineering in the United States. It's a good choice. In terms of employment, it should be said that Tsinghua's fame and the influence of the School of Economics and Management for more than ten years have brought the strength of finance.
If you want to follow the sequence of civil servants, judging from the employment situation of the NPC teachers I know and the students they mentioned, it should be the right way to take the postgraduate examination of law or finance and taxation. It is a waste of talents if you take the postgraduate exam in finance. In addition, Huang Weiping, Dean of the School of Economics of the National People's Congress, should be a good choice in international economics. Mr. Huang is a member of the State Council think tank, and also a member of China's WTO negotiation delegation. If you want to be a cadre in national diplomacy or foreign trade. . However, Huang recently mainly took a Ph.D. exam, with only one or two master's degrees each year. Of course, not many people applied.
If any so-called hot major is overused, it will be in danger of a bubble. At present, the proportion of financial majors is generally reasonable. Of course, I mean graduate students. If you count a large number of undergraduate graduates, high-end jobs will be a bit crowded in the next three to five years. . Of course, at present, undergraduates are mainly engaged in specific business operations, top management, R&D and operations, and they also need to have certain academic qualifications and professional background. It can be boldly said that with the current enrollment expansion rate of master students majoring in finance and the infiltration of a large number of so-called overseas financial talents, there will definitely be a surplus of high-end talents in China's financial industry in the future. Of course, that is measured by the current financial and economic aggregate, and the future depends on the overall development of China's financial industry.
You have graduated for many years, and your age may not be dominant, but work experience itself is a kind of capital. Many times, what you have done may be much more important than what you have learned! Postgraduate education itself is a kind of post-undergraduate education, and it is not too old or too late to be around 30 years old. . Ha ha. . If you have the heart to try, work hard now! If you study law, you should know something about industry analysis and asset operation, and some knowledge about financial securities should be a must. I suggest you take the CPA exam textbook of the Ministry of Finance as a blueprint and attend accounting courses. . Investment banking includes many kinds of business, and asset securitization is only a part of it. Not all positions require the participation of mathematics. If you have the heart, you will pass the exam. The financial management of meetings should be easy to learn.
The futures of Shanghai University of Finance and Economics are famous all over the country. In fact, futures securities are inseparable in many places, and it is also possible to learn securities. In addition, the development of China's futures industry in the next decade is really difficult to measure, but if there are some new measures in the development of some derivatives and financial investment tools, it should be promising! In a big agricultural country, if the futures circulation is not satisfactory, there will be some problems in the corresponding capital operation, so we still have to have confidence! From: toulixiang.com.