With the rapid development of economy, the demand for financial talents is getting higher and higher, and many financial institutions have to graduate from undergraduate courses. According to the statistics of relevant institutions, the financial industry has the highest per capita income. Financial graduates not only have high employment income, but also have a wide range of employment directions. Can be engaged in economic forecasting and management consultants, foreign trade personnel, fund managers, securities brokers, stock analysts, but also to the government and institutions, Chinese and foreign banks, insurance, trusts and other financial institutions, financial management institutions.

Although the demand for financial talents is strong, we should also see that the threshold for entering this industry is rising. In addition to academic qualifications, banks also need more and more compound talents. The current situation is that half of the people in the bank, or even more, are non-financial, economic and financial professionals. Their undergraduate majors are different, including computer, communication, law and even mechanics and physics. Some financial analysis institutions pointed out that graduates who need engineering background need rigorous and rational thinking and analysis of engineering.

Judging from the current distribution of financial disciplines, the more promising professional directions are: corporate finance, risk management and control, financial engineering, financial markets, insurance actuarial, securities investment and so on. The former fund market is the most active, but there are only about 3,000 skilled fund managers, and the talent gap is over 10,000. At present, the annual income of middle-level fund managers has reached 400 thousand yuan, while the annual income of senior managers has exceeded one million yuan, which shows that the financial industry is an undeveloped gold mine

The steering wheel of financial professional employment;

Finance has always been the top five for students to apply for majors, which is inseparable from the high income of their employment industry. Experts made an inventory of the employment direction of finance, summed up eight employment directions and made an in-depth analysis. I hope I can provide some help to the students who apply for finance.

Employment direction of finance major 1:

The Central Bank (People's Bank of China), China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission are all financial regulatory agencies.

Being a financial officer in the industry supervision and management department should be the first choice for financial graduate students. First of all, China's finance is based on macroeconomics and macro-control of financial markets, and its professional application is easy to get started, and its policy grasp is relatively in place; Secondly, working in the industry management department for three to five years before going to the practice organization can at least give a middle-level position. Its limitation is that it is difficult to enter the competent departments of these industries, which may depend on the background. It is difficult for undergraduates to enter unless they are really excellent.

Finance major II Employment direction:

Commercial banks, including the four major banks and joint-stock companies, city commercial banks and domestic branches of foreign banks.

It is a good choice for graduates to enter the four major state-owned commercial banks first. Because you have certain banking experience and professional background, the possibility of going to domestic joint-stock firms or foreign banks will increase. Many students joined the four major state-owned banks at the beginning. After the rapid development of urban joint-stock commercial banks, they have jumped ship and become the backbone of urban commercial banks and joint-stock commercial banks. Many of them became middle managers and a few became senior leaders. The flexible and pragmatic cadre appointment methods of city commercial banks and joint-stock commercial banks, on seniority, have made the four major banks become the "Whampoa Military Academy" for their professionals, and this situation is still continuing. In addition, although the four major state-owned banks have some bureaucratic habits, they are very attractive, especially for female students, because of their stable income, light pressure and high welfare level. It is suggested that friends who are interested in the four major state-owned commercial banks should focus on commercial bank management, international finance and monetary policy.

Finance major 3 Employment direction:

Policy banks such as China Development Bank and China Agricultural Development Bank.

Policy banks, such as development banks and agricultural development banks, are also better choices, but their work nature is similar to that of civil servants, and their financial business is not prominent. They are all places that rely on policies to eat, and the benefits to personal career are still relatively weak compared with industry supervision departments and commercial banks. If they want to temporarily become a climate in the financial field, it is best not to choose such a unit. However, at present, the salary level and treatment of such units are better than those of commercial banks, which has become a bright spot to attract graduates' attention.

Financial professional employment direction 4:

Securities companies (including fund management companies), trust and investment companies, financial holding groups and other financial companies with greater risks.

Securities, trusts and funds all rely on risk management for a living, and there are systemic risk factors in the industry. But it is relatively easy to make money, and the short-term return is high (risky). 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 one million yuan a year. The difficulty lies in the gradual improvement of academic qualifications. The minimum requirement is a master's degree. Compared with banks and other financial institutions, the requirements for their personal investment management and financial operation ability are higher. If you are interested in these industries, you can choose the professional direction of securities investment, financial market and financial engineering. If you are majoring in financial management and master of law (undergraduate is financial economics), this is also a good choice. The recent re-emergence of trust industry has added a new choice for graduates majoring in finance, and the operation strategy of its big investment bank has also made it take the elite route in personnel use. There is a saying in the investment bank that "80% of the company's profits are created by less than 5% of employees". The current thinking of the above three companies is to actively dig corners, and these three companies have the strongest liquidity in the financial industry. Elite people who are interested in risk management, travel all day, have a stomachache all the year round and have no place to live may wish to choose this industry. Of course, it is undeniable that the return of this industry is directly proportional to the input. It is suggested that male students choose this industry, which should be more developed.

Finance major five employment direction:

Four major asset management companies, financial leasing and guarantee companies.

The four major asset management companies are similar to policy banks, and their initial purposes and functions are gradually weakening. The financial leasing and guarantee industries are developing rapidly and can be considered to enter. Of course, if you have experience in banking and securities, you should be more successful in entering this industry.

Employment direction of finance major 6:

Insurance company, insurance brokerage company. Social security fund management center or social security bureau.

Insurance companies can refer to the analysis of commercial banks for several years. With the experience of insurance marketing and risk management, there are still many things to be done under the opportunity of the rapid growth of domestic joint-stock insurance institutions and the entry of foreign insurance institutions. Actuarial specialty is very popular. Social security centers and financial audit departments are places for providing for the aged, which are relatively stable and inflexible. Of course, friends who want to get steady income may wish to consider it as an option.

Employment direction of finance major 7:

Listed (to be listed) joint-stock company securities department, finance department, securities affairs representative, board secretariat, etc.

Working experience in the securities department of a listed company is also acceptable, and it spans two lines of the securities industry, and then it must have a foothold for development. If you do a good job in preparing for the IPO, it will be more beneficial to your future career. It requires high financial and industry analysis ability, so you should strengthen your study in this area.

Financial professional employment direction 8:

Government administrative agencies in the sequence of national civil servants, such as finance, auditing, customs and other departments; Teachers majoring in finance in colleges and universities; Research institutions, researchers. It is obvious that universities and research institutes are the first choice for students who are interested in academic work.

Salary level:

There is a big gap between the salary and income of graduate students majoring in finance, which is closely related to the popularity and influence of schools and tutors, as well as their own ability shaping and practical experience. Among them, financing, capital operation and consulting services have broader development prospects and considerable income. The monthly salary ranges from 6000 yuan to 30000 yuan. If you can enter multinational investment banks or multinational consulting companies such as Accenture and McKinsey, the annual salary is mostly around 200,000, and there are other benefits.

Graduate wage index:

1. 1 year graduate salary index: 68% of financial graduates 1 year earn less than 2,000 yuan after graduation, and 20% earn more than 3,000 yuan. According to the ten-point scale, the salary index after graduation from finance major 1 year is 3.78, which is above average compared with other majors.

2. Salary index for two years after graduation: 52% of people who graduated from finance major for two years earned less than 2,000 yuan, and 23% earned more than 3,000 yuan. According to the decimal calculation, the salary index of finance major after two years of graduation is 3.60, which is in the middle level compared with other majors.

3. Salary index for three years after graduation: 39% of finance majors earn less than 2,000 yuan after three years of graduation, and 28% earn more than 3,000 yuan. According to the decimal calculation, the salary index of finance major after three years of graduation is 3.67, which is medium compared with other majors.

New employment rate index:

Among the graduates majoring in finance, 95% found jobs before or just after graduation, and 4% found jobs after graduation 1 year. According to the score of 10, the fresh employment rate index of this major is 9.60, which is above average compared with other majors.

Development prospect index:

The proportion of graduates majoring in finance who think the development prospect of this major is very good and relatively good is 34%, and 34% of graduates think the development prospect of this major is "not very good" or "very poor". According to the score of 10, the development prospect index of this major is 6.22, which is medium compared with other majors.

Work comfort index:

42% of finance graduates consider their jobs "very comfortable" or "relatively comfortable". 13% of graduates think that work is not very comfortable or very uncomfortable. On a scale of ten, the comfort index is 6.78, which is above average compared with other majors.