1. Banks with economic activities, including China Industrial and Commercial Bank, China Construction Bank and Agricultural Bank, China Merchants Bank and other joint-stock stores, urban economic activity banks and domestic branches of foreign banks;
2. Insurance institutions and guarantee brokerage enterprises, such as China People's Insurance and Western Pacific Guarantee. ;
3. Central Bank, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission;
4. Financial holding group, four asset management companies, financial leasing and insurance companies;
5. Securities enterprises, including fund management enterprises; Shanghai Stock Exchange, Shenzhen Stock Exchange and Futures Exchange;
6 trust and investment enterprises, financial investment holding enterprises, investment consulting enterprises and large corporate financial enterprises;
7, the government center of the national staff series, such as finance, auditing, customs and other departments. ;
8, social security fund management core or social security bureau;
9. Some policy banks, such as National R&D Bank and China Agricultural Progress Bank;
10, Securities Department and Finance Department of listed (or to be listed) joint-stock enterprises;
165438+
On the whole, financial majors have been popular in recent years, and their career prospects are generally optimistic. However, from the actual employment situation, polarization is more serious. According to the observation and statistics of Du Wen Education Economic Examination Center, there are not a few masters in finance in well-known universities. If the tutor has great influence, he will pay attention to practice during his school days and have a deep research foundation. They just got an annual salary of 65438+ 10,000.
Overview of employment situation
In recent years, China's financial market is moving towards internationalization, and highly specialized talents are urgently needed. The demand of finance graduates is mainly concentrated in high-end markets, such as market research and analysis of university teachers and large companies, fund managers, investment managers, securities companies, insurance companies, trust and investment companies and so on.
Overview of employment direction
Regardless of whether they graduate from a bachelor's degree or a master's degree, graduates majoring in finance 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 forecast analysis and management consultant
Economic forecasting analysts are widely distributed in various industries, but generally only multinational companies, large and medium-sized enterprises, government economic decision-making departments, and public research institutions in various industries will set up. Mainly responsible for the collection and analysis of various market data. The importance of this position is becoming more and more obvious. Management consultants mainly flow to some consulting companies, such as IT consulting, strategic consulting, marketing consulting, auditing and listing counseling.
(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) 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.
(4) Fund managers
Among them, with the emergence of more fund projects and fund management companies, society will need a large number of fund managers, and fund managers are high-level talents in this industry. Their duties can be roughly divided into: responsible for raising a certain fund; Responsible for the operation and management of the fund; Responsible for the listing of funds and monitoring after listing. At present, there is a shortage of talents in this field and the career prospects are promising. The fund industry has the greatest demand for professional managers. It is not easy to be a qualified fund manager. Generally, you need a master's degree or above, have a professional knowledge background in risk control, have strong analytical judgment ability in multiple disciplines and industries, have a keen sense of market smell and rich practical experience.
(5) Securities brokers
The quality requirements of securities brokers mainly focus on two aspects: first, solid knowledge of financial funds; Second, based on the investment experience of long-term observation of the market; Because securities investment is a high-risk and high-return investment, as a securities broker, we must study the price change trend of the regime market, grasp the regularity, and combine the analysis of various factors affecting securities prices to gradually accumulate considerable investment experience and skilled business operation ability.
In recent years, the number of investors in China has surged. This huge investment group provides a huge market for the rise of securities brokers. At present, China's securities brokers are divided into securities salesmen, commission brokers, intermediary brokers and exchange intermediary brokers.
(6) Stock analysts
Stock analysts mainly provide stock market investment consulting services for stock market investors and hold relevant lectures, reports and analysis meetings. Some stock analysts publish stock review articles in newspapers and provide stock market investment services through public media such as radio and TV stations. To engage in stock analysis in China, you must have a bachelor's degree or above, and have more than two years' experience in securities industry. You need to take two courses: Basic Theory of Securities Investment and Securities Investment Analysis. Those who pass the examination and meet the requirements need to apply to the local securities management department or directly to the China Securities Regulatory Commission, and the qualification certificate can only be obtained after examination and approval. Those who have obtained the qualification certificate apply to the securities management department through the securities investment consulting institution to which they belong, so as to obtain the practicing qualification, and finally the practicing certificate is issued by the China Securities Association.
Career prospects
At present, the structural contradiction of financial talents in China is more prominent, and the following types of people are still relatively lacking: first, senior management talents who can act as leading figures; Second, compound talents who are proficient in foreign languages, law and computers; Third, senior professionals such as law, consulting, intermediary, accounting, etc., and financial talents and financial service talents with international financial management concepts and experience are scarce.
In addition, the development of many intermediary businesses within the financial industry also requires the entry of senior professionals, such as personalized financial product design and investment income of customer funds.
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.
Industry scanning
Economics has many two disciplines, and you can engage in a wide range of industries after graduation. However, according to the statistics and sampling of the employment situation of graduate students in Du Wen in recent years, the employment of graduate students majoring in economics is mainly concentrated in the financial system, consulting industry, securities industry, accounting, investment banking, media, public decision-making or research departments. Of course, there are also independent entrepreneurs or employees in other industries.
The financial system is mainly banks and asset management companies, and major banks provide a certain number of jobs every year. The main distribution is as follows:
1. Central Bank: China People's Bank.
2. China Banking Regulatory Commission.
3. National policy banks: China Development Bank, Agricultural Development Bank of The Export-Import Bank of China and China.
4. Four major commercial banks: China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank.
5. Joint-stock commercial banks: Bank of Communications, Shenzhen Development Bank, China Merchants Bank, China Minsheng Bank, Shanghai Pudong Development Bank, Huaxia Bank, China CITIC Bank, Industrial Bank, China Everbright Bank, China Guangfa Bank and China Bohai Bank.
6. City commercial banks: Basically all cities have their own city commercial banks.
7 rural commercial banks, rural cooperative banks and rural credit cooperatives
8. Some institutions of foreign banks in China, such as Citigroup.
The consulting industry is mainly management consulting, marketing consulting, IT consulting and other consulting institutions and investment banks, including Bi Bo, Accenture, McKinsey, Bain, Capgemini and Roland? Berg, Kearney, Moritt, Deloitte, Boss, PricewaterhouseCoopers, etc. Well-known local consulting companies such as Peking University Zongheng, Hejun Venture, Xinhua Letter, Zhuo Yuan, Hampton, Huaxia Cornerstone, Zuoyou, etc.
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.
Others, such as some scientific research institutes, government departments, and some graduate students majoring in economics, such as social security fund management center (or social security bureau, generally insurance direction), finance, auditing, customs departments, etc. Teachers majoring in finance in colleges and universities; Researchers in research institutions; Securities department, finance department, securities affairs representative, secretariat of the board of directors, etc. Listed (or to be listed) joint-stock companies.
A celebrity who graduated from this major
In order to expand the representativeness, celebrities who graduated from economics are selected here, not only in finance.
(1) Xu Dianqing, Ph.D. in Economics, University of Pittsburgh, USA, is now an adjunct professor in Peking University.
(2) Lin Yifu, Peking University Department of Economics, was the director of China Economic Research Center of Peking University, and now he is the senior vice president and chief economist of the World Bank.
Ability training of graduate students in this major
1, with a high degree of education, it is also an option if you can study for a doctorate after completing a master's degree.
2. Strong theory and profound research skills. It is best to publish papers in professional magazines such as economic research and financial research. The theoretical foundation needs to be strengthened, and attention should be paid to this problem during the postgraduate study.
3, a wide range of knowledge, expand the scope of reading, deepen understanding, have unique views on financial phenomena, and their views can be verified in practical departments.
4. Be good at communication and deal with interpersonal relationships. I don't have any background, but I get along well with all parties.
5, need to take some certificates, including CPA, CFA, ACCA and other certificates, these certificates are often equivalent to a boat ticket.
6. Accumulate some practical experience and engage in various practical work during school, such as management consulting projects.