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 from Wenhai Education Research Center 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.

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

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.

Two, commercial banks, including the four major banks and joint-stock banks, city commercial banks, foreign banks in the domestic branches.

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.

Three, the National Development Bank, China Agricultural Development Bank and other policy banks.

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.

Four, 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 community that "80% of the company's profits are created by less than 5% of its 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.

Five, four major asset management companies, financial leasing, 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.

6. Insurance companies and insurance brokerage companies. 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.

Seven, 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.

Eight, the 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.

general situation

Compared with undergraduates, graduates majoring in economics have improved their knowledge structure and scientific research ability after several years of further study and careful guidance by their tutors, and their employment has also expanded accordingly.

Generally speaking, graduates can choose to study abroad or work in China. Under the current financial crisis, the employment of economics graduates has been affected. Generally speaking, it is more difficult for graduates to enter foreign-funded enterprises. International trade and other professional employment closely related to the global economic trend have been greatly affected, and the import and export industries have a tendency to reduce the number of recruits. However, the impact of the financial crisis on local enterprises is not so obvious. In June 2008, 165438+ 10, South China Agricultural University held a special job fair for banking, securities, insurance, accounting and marketing, and 100 enterprises * * * set up 120 booths, providing10. Some securities companies and insurance companies recruit people against the market and reserve talents. Of course, the talents they recruit are all high-quality talents, and highly educated is one of them.

If we look at the employment problem of economics-related majors individually, it may seem pessimistic, but if we look at the overall employment environment, the employment rate of economics disciplines is not bad. Employment has become a world-class problem, and this financial crisis will greatly change people's views on hot and unpopular majors. No matter what the current situation is, what we can do is to try our best to play this deck of cards in our hands, no matter whether the cards are good or bad.

For graduate students majoring in theoretical economics, because of their solid foundation and flexible employment, they can engage in economic analysis, forecasting, planning and other scientific research work and economic professional teaching in comprehensive economic management departments, policy research departments, economic consulting units, financial institutions, universities and research institutes. Some graduates also entered the press and publication department.

For graduates of applied economics, they can choose their jobs according to the characteristics of their major direction. Generally speaking, international trade majors are mainly engaged in practical business, management and scientific research in foreign-related economic and trade departments, foreign-funded enterprises and theoretical research institutions; Finance graduates are mainly engaged in related work in economic management departments such as banking, securities, investment and insurance; Financial graduates are mainly engaged in related work in financial, taxation and other economic management departments and enterprises; Statistics graduates can engage in research and teaching in scientific research and education departments, and also engage in statistical analysis and budget work in economic management departments and major companies.

In short, graduates majoring in economics have broad employment prospects and can make great achievements in trade, finance, securities investment, banking system, insurance and other fields. They can engage in scientific research and teaching in schools and scientific research units, and they can also engage in investment policy formulation and policy management in relevant government departments.

Generally speaking, there is still a lot of employment space after graduating from the master of economics. But after graduating from national economics, industrial economics, regional economics, quantitative economics, western economics and other majors, I am more engaged in research work. According to the observation and statistics of the Economics Examination Center, there are not a few graduate students in economics who pay attention to practice and have a deep research foundation during their school days.

In order to help the students who are preparing for the 2009 master's degree understand the career prospects of the master's degree students in economics, so as to choose their own future majors, the Education Economics Examination Center specially organizes manpower to sort out relevant materials, and makes a statistical analysis of the employment direction, salary status, employment industry, employment prospects and career development of the master's degree students in economics for the entertainment of readers and students. This paper makes a series of observation and statistical analysis on national economics, industrial economics, regional economics and quantitative economics.

work status

In recent years, we can usually see many economists and financial experts in high spirits under the flash, but according to statistics, the initial employment rate of economics majors in Guangdong Province was below 50% in 2003, while the average initial employment rate of all majors in the province reached 75%. It can be seen that the undergraduate employment of economics major is not ideal. There are two reasons. First of all, the demand for economic talents is mainly concentrated in the high-end market, such as market research and analysis of university teachers and large companies, fund managers and investment managers. Secondly, the undergraduate course of economics covers a wide range, but the practical skills are not professional and the research depth is not enough. The employment situation of graduate students majoring in national economics, industrial economics, regional economics, quantitative economics and western economics cannot be said to be ideal, but it is not difficult to find a job. The employment wage level is not high.

Overview of employment direction

No matter whether they graduate from undergraduate or master's degree, graduates majoring in economics generally have employment directions such as economic analysis and forecasting, foreign trade, marketing and management. If you can obtain some qualification certificates, you will have a wider range of employment, a higher level of employment and better treatment, such as chartered financial analyst (CFA), chartered wealth manager (CWM), fund manager, actuary, securities broker and stock analyst.

(1) Economic forecasters and analysts

This position is available in all industries, but generally only multinational companies, large and medium-sized enterprises, government economic decision-making departments and public research institutions will set it up. Mainly responsible for the collection and analysis of various market data. The importance of this position is becoming more and more obvious.

(2) Foreign trade personnel

Selling products produced by "World Factory" to foreign customers; Looking for foreign sources for domestic customers; Organize international trade goods logistics, etc. A considerable number of foreign trade personnel have set up their own foreign trade companies after their experience is mature.

(3) Marketing personnel

For industries with technical background such as telecommunications and software, the demand for sales will continue to rise. Even in the non-technical field, the sales position has always been one of the most demanding positions in the market, and the professional requirements of this position are not very high. Graduate students majoring in economics can often be seen among sales interns in some multinational companies. Of course, the pressure of this position is still relatively large.

(4) management positions

Graduate students are different from undergraduates. Most of them have participated in some social practice and have some work experience during their master's studies, so when they formally enter the society, they can also get some management positions, such as production management, administrative management, personnel management and financial management.

Observation of employment prospect

There are many two disciplines in economics, and there are a wide range of industries that you can engage in after graduation. However, according to the statistics and sampling of the employment situation of postgraduates majoring in economics in recent years, the employment of postgraduates majoring in national economics, industrial economics, regional economics, quantitative economics and western economics is mainly concentrated in the financial system, consulting industry, securities industry, accounting, investment banking, media, public decision-making or research departments, especially the research, analysis and consulting departments.

The financial system is mainly banks, securities, investment management, asset management and other companies, and the post is mainly research and analysis.

The consulting industry is mainly management consulting, marketing consulting, IT consulting and other consulting institutions and investment banks, including Bi Bo, Accenture, McKinsey, Boston, Bain, Capgemini, Kearney, Morit, Deloitte, Boss, PricewaterhouseCoopers and other multinational consulting companies. And Peking University, Hejun Venture, Xinhua Letter, Zhuo Yuan, Hampton, Huaxia Cornerstone, Zuoyou and other well-known local consulting companies.

The securities industry mainly includes various securities companies, such as CITIC Securities, Guotai Junan, Galaxy Securities, Shen Yin Wanguo, Huaxia Securities, China Merchants Securities, Guosen Securities, Haitong Securities, Everbright Securities, Huatai Securities, Tianyi Securities, Original Securities, United Securities, Shanghai Securities, Beijing Securities, Kunlun Securities, Southwest Securities, Tiantong Securities, Cai Xiang Securities, Industrial Securities, Nanjing Securities, soochow securities, Minsheng Securities, etc.

Media is also a good industry. Generally speaking, the media space for graduate students majoring in economics is relatively large, mainly concentrated in financial media, such as Securities Times, Financial Times, china securities journal, shanghai securities news, 2/kloc-0 Century Business Report, Economic Observer, China Business News, Financial Times, Business Times, Economic Reference News, China Finance News, China Economic Times, China Business News, etc.