（1） The "advantages" of applying for finance in cross specialty
Although there is a strong demand for financial talents, we should also see that the threshold for entering this industry is rising. At the financial job fair, the educational requirements are still very high. Most of the better financial institutions require a master's degree or above, a famous school graduation, or even overseas returnees.
In addition to academic requirements, banks also need more and more versatile talents. At present, there are half of the people in the bank, even more non-financial, economic and financial professionals. They have different undergraduate majors, including computer, communication, law and even mechanics and physics. Many of the financial graduate students who are preparing for the exam and studying now are also interdisciplinary, and the tutors welcome these interdisciplinary students very much. Some financial analysis institutions point out that graduates with engineering background need rigorous and rational thinking and analysis of engineering.
（2） "Situation": Analysis of Employment Prospects
Judging from the employment situation in recent years, finance graduates usually have these flows:
1. Commercial banks, including four major banks such as Industrial and Commercial Bank of China, Construction Bank and Agricultural Bank of China, and joint-stock commercial banks such as China Merchants, city commercial banks, and domestic branches of foreign banks;
2. Insurance companies, insurance brokers, such as China Life Insurance, Ping An Insurance, Pacific Insurance, etc;
3. The Central People's Bank, the Banking Regulatory Commission, the Securities Regulatory Commission, and the Insurance Regulatory Commission;
4. Financial holding group, four asset management companies, financial leasing and guarantee companies;
5. Securities companies, including fund management companies; Shanghai Stock Exchange, Shenzhen Stock Exchange and Futures Exchange;
6. Trust and investment companies, financial investment holding companies, investment advisory companies. Large enterprise finance company;
7. Government administrative agencies of national civil servant [microblog] series, such as finance, audit, customs departments, etc;
8. Social Security Fund Management Center or Social Security Bureau;
9. Some policy banks, such as China Development Bank and Agricultural Development Bank of China;
10. Securities Department and Finance Department of listed (or intended to be listed) joint-stock companies;
11. Teachers of finance and finance in colleges and universities, researchers of research institutions, publishing and communication institutions, etc.
"Trend": Suggestions for applying for finance
1. Career orientation:
From the above employment flow direction, we can see that the career direction is closely related to the major you are applying for. Therefore, if you are ready to engage in fund work, it is better to report to the financial engineering direction; If you want to work in an insurance company, you should certainly choose the insurance direction.
2. School oriented:
First, try to choose a famous school when you apply for the exam. Nowadays, the financial industry has a "famous school complex". When selecting students, enterprises pay more attention to the schools where students study. Generally, they will choose more well-known students, such as the Central University of Finance and Economics [Weibo], Renmin University, University of International Business and Economics, etc., because these schools have established a good reputation in the minds of enterprises.
Secondly, consider the college you are applying for from the aspect of interpersonal relationship. It is better to choose schools that have traditionally had excellent financial education accumulation, such as some famous financial institutions, such as Shangcai and Zhongcai, or comprehensive universities with better financial and economic traditions, such as Fudan [Weibo] and Nankai. Such colleges usually have some alumni resources in the financial and economic circles, which will be beneficial to future employment.
Thirdly, the region of the school is also an important factor. The college you want to apply for should be in or near the area where you plan to develop in the future. Because the school has a certain influence in this area, it will be convenient for you to choose a career in this area after you graduate. For example, schools taking the Shanghai exam set their goal to develop in Shanghai. In 2020, Shanghai will be built into an international financial center. Judging from the situation of international financial centers such as London, New York and Tokyo, there are more than 300000 financial talents. At present, there are about 100000 financial practitioners in Shanghai. Compared with other financial centers, Shanghai has a huge gap in talent, especially the shortage of senior financial talents.
3. Professional orientation:
Since you are planning to develop in this industry, what professional direction you choose is more suitable for your development goals? From the perspective of the current distribution of financial disciplines, the more promising professional directions are: corporate finance, risk management and control, financial engineering, financial market, actuarial insurance, securities investment, etc.
At present, the fund market is the most active, and there are only about 3000 skilled fund managers, with a talent gap of more than 10000; At present, the annual income of intermediate fund managers has reached 400000 yuan, while the annual salary of senior managers has exceeded one million yuan, which shows that the financial industry is an untapped gold mine.
High returns must be accompanied by high risks. Before choosing whether to apply for economics major, students must carefully consider whether to apply for economics major across colleges and universities. Although the score has slightly decreased from the national line in 14-15 years, the competitive pressure of economics major is relatively severe compared with other majors.
What is the development prospect of Master of Finance?
The employment prospects of the finance graduate students of Zhejiang Gongshang University have always been very optimistic. According to the 2018 enrollment statistics, the employment rate of the enrolled students is as high as 9667%! (MISSING) And the number of employees in the financial industry is also increasing, and the market prospect is broad. The work in the financial industry involves many fields, such as banking, securities, insurance, investment, financial services, etc. These are very promising fields, and there are many opportunities to take advantage of. In addition, in recent years, the development of new technologies such as financial technology, big data and artificial intelligence has also provided more employment opportunities for finance graduate students. In general, Ganaikai said that the employment prospects of finance graduate students in Zhejiang Muzu Technology and Business University are very optimistic.
Employment direction and prospect of finance
Employment prospect of Master of Finance: Sincerely
1. Commercial banks, including four major banks and joint-stock commercial banks, city commercial banks, and domestic branches of foreign banks;
2. Securities companies, fund management companies; Shanghai Stock Exchange, Shenzhen Stock Exchange and Futures Exchange;
3. Yuandai Trust and Investment Company, Financial Investment Holding Company, Investment Consulting Company, Large Enterprise Finance Company;
4. Financial holding group, four asset management companies, financial leasing and guarantee companies;
5. Insurance companies and insurance brokerage companies;
6. The Central (People's) Bank, the Banking Regulatory Commission, the Securities Regulatory Commission, and the Insurance Regulatory Commission, which are financial regulatory bodies;
7. Social security fund management center or social security bureau, usually the insurance direction;
8. The government administrative agencies such as finance, audit, customs departments, etc. in the order of national civil servants; Teachers of finance and finance in colleges and universities; Researchers of research institutions;
9. Securities Department, Finance Department, Securities Affairs Representative, Secretary of the Board of Directors of listed (or to be listed) joint-stock companies.
Response time: 2021-11-09. Please refer to the official website of Ping An Bank for the latest business changes.
The employment direction and prospect of finance are as follows:
In recent years, finance has always been a hot topic for candidates to apply for the exam. The good career development prospects and high income of finance graduates are important reasons for attracting many candidates to apply for the exam. This major is also known as the one with the most "money" prospects.
In the professional ranking with the highest salary, finance undoubtedly ranks first. No matter in which caliber the salary data is collected, the financial industry ranks first.
With the gradual transformation of China's economy, the surplus of capital will become more and more prominent in the future. And the long sleeved financial professionals will undoubtedly become the highly paid class that everyone admires.
And ruin the direction of investigation
1 Banks, securities firms, insurance financial enterprises: The first step to go to the bank is the teller, who is mainly responsible for the cash business, and may have deposit and other financial management tasks. One year later, you may be allowed to apply for job transfer. Generally, you will choose to transfer to be a wealth manager, specializing in selling bank wealth management products or insurance and fund products. Bachelor's degree is sufficient. If you go to a securities firm, you'd better take a postgraduate exam. Even if you can't enter the investment banking department, you don't have to start from the account manager. For insurance companies, the competition has become more and more fierce in recent years, and insurance brokers are under great pressure. If you choose the insurance industry, it is better not to do business post damage inspection, except for those who love sales.
2 Public or private funds: It requires high comprehensive ability. Generally, there are more channels to start. If you find customers and sell products, the commission will also rise.
3 Civil servant: There are many students in my undergraduate class who want to be civil servants. They want to be civil servants at home and contribute to the development of their hometown. If you are admitted to the local People's Bank of China, it is also very good.
Investment Department and Securities Department of a listed company: For example, I have been in the Securities Department of a listed company for two years. Welfare benefits and promotion channels depend on the actual situation of the company. There are great differences between different companies.
5 Entrepreneurship or interprofessional employment: When I graduated, I thought that I had studied finance for four years and found a job that could not compete with finance after graduation. Wouldn't I have wasted four years? After two years of work, I felt that it was OK to pay whatever it was.
