What does financial management do?

Financial management is too extensive. In fact, the most important thing in financial management is risk management. There are many aspects of work: finance, banking, securities, multinational companies, listed companies and even individual enterprises all have risk management, because everyone will encounter financial problems. As for salary, different industries have different salaries, such as finance, banking and securities, with an annual salary of 500,000 and an assistant level above 800,000. Financial risk management is to measure and control the gains and losses between risks and benefits by for-profit organizations and non-profit organizations. Financial risk management is the core of financial language. With the development of financial integration and economic globalization, financial risks are becoming more and more complex and diversified, and the importance of financial risk management is becoming more and more prominent.

Financial risk management includes the identification, measurement and control of financial risks. Due to the negative impact of financial risks on economy, finance and even national security, at present, many large enterprises, financial institutions and organizations, the state and financial supervision departments are actively seeking financial risk management technologies and methods to effectively identify, accurately measure and strictly control financial risks. With the modern economy becoming more and more dependent on the financial industry, financial risk management has become one of the core competitiveness of industrial and commercial enterprises and financial institutions, and has also become one of the important topics of academic research and concern, including mathematics, information science, financial theory and practice.

What occupation do you mainly engage in after graduating from finance?

Judging from the employment situation in recent years, there are usually several trends in finance graduation:

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

2. Securities companies, including fund management companies; Shanghai Stock Exchange, Shenzhen Stock Exchange and Futures Exchange.

Three, trust and investment companies, financial investment holding companies, investment consulting companies, large enterprise finance companies.

Four, financial holding group, the four major asset management companies, financial leasing, guarantee companies.

5. Insurance companies and insurance brokerage companies.

Six, the central bank (People's Bank), the banking regulatory commission, the securities regulatory commission, the insurance regulatory commission, which are the financial supervision and management institutions.

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 national civil service sequence * * * administrative agencies such as finance, auditing, customs and other departments. ; 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.

The ranking of financial majors is as follows: Peking University, Fudan University, Nankai University, International Business and Economics, Xiamen University, Lingnan University of Sun Yat-sen, Shangcai University and Southwestern University of Finance and Economics.

Theoretically, it should be that liberal arts students have advantages in studying finance, but finance is a major with both arts and sciences.

The admission scores of Peking University this year are different in different provinces. Specifically, you can participate in the following links, but the scores are super high. . . .

What can a finance major do?

The financial professional employment mainly includes: state-owned and joint-stock banks, credit cooperatives, small loan companies, guarantee companies, insurance companies, securities companies, finance companies, banking regulatory bureaus, securities regulatory bureaus, insurance regulatory bureaus, and people's banks.

What does financial work mainly do?

Finance major is a discipline that focuses on the economic activities of money and monetary funds, and specializes in how individuals, institutions and * * acquire, spend and manage financial assets such as funds. It is different from economics. It mainly studies the movement law of modern financial institutions, financial markets and the whole financial economy. The specific research contents of this major include: the theory and practice of banks and non-bank financial institutions such as securities and insurance, the theory and practice of money market, capital market and international financial market, the theory and practice of financial macro-control and the whole financial economy, and the theory and practice of financial management, especially financial risk management. His main research interests are monetary banking, financial economics (including international finance and financial theory), investment, insurance and corporate finance (corporate finance);

Finance majors mainly use computers to realize mathematical models, thus solving financial-related problems. Therefore, finance major is different from MBA and MSP, and it mainly trains skilled workers in the financial field, that is, the so-called financial professionals-Quant. Quant's positions are mainly concentrated in investment banks, hedge funds, commercial banks and financial institutions. The main work in charge varies greatly according to different positions. Representative ones are pricing, model verification, research, development and risk management, which are responsible for the establishment and application of derivative pricing model, model verification, model research, program development and risk management respectively. Generally speaking, the work is hard and the income is much higher than other industries. Take Quant Developer for example. Although there is no essential difference between practical work and programmers in other industries, it not only has high income, but also is easy to find a job.

At present, China's financial professional employment is mainly in the following areas:

Fund companies: Fund companies are in great need of talents who can do fund performance evaluation, risk control and asset allocation.

Securities companies: Securities companies are now in a difficult period and are also seeking opportunities for survival through the design of wealth management products.

Banks: The most traditional banks are also undergoing subtle changes. At present, the head offices of major banks are establishing internal risk management models, and talents in this field are urgently needed. However, due to the rigid employment system of banks, truly qualified people may not be able to do this. Another important department within the bank, the Ministry of Finance, also needs financial professionals. On the one hand, they operate in the inter-bank bond market, and they are the main force of fixed-income securities in the future, and also the main force of financial professional product design such as corporate bond market and mortgage-backed bonds with huge development space in the future.

What do you do after graduating from finance?

I. Students majoring in this major can find employment in the following aspects after graduation:

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

(2) Securities companies, including Unicom & gt fund management company; Shanghai Stock Exchange, Shenzhen Stock Exchange and Futures Exchange.

(3) Trust and investment companies, financial investment holding companies, investment consulting companies and large enterprise finance companies.

(4) Financial holding group, four asset management companies, financial leasing and guarantee companies.

(5) Insurance companies and insurance brokerage companies.

(6) The Central Bank, the Banking Regulatory Commission, the Securities Regulatory Commission and the Insurance Regulatory Commission are financial regulatory agencies.

(7) Policy banks such as China Development Bank and China Agricultural Development Bank.

(8) The social security fund management center or social security bureau is generally in the insurance direction.

(nine) * * administrative organs in the sequence of public servants in finance, auditing, customs and other countries; Teachers majoring in finance in colleges and universities; Research institutions, researchers.

(10) securities department, finance department, securities affairs representative, secretariat of the board of directors, etc. Listed (or to be listed) joint-stock companies.

Second, the financial professional employment prospects analysis:

Generally speaking, the financial major in recent years. It is popular to apply for the exam, and the career prospects of financial majors are generally optimistic, but according to the actual employment situation, the polarization is serious. According to the observation and statistics of Du Wen Education Economic Examination Center, there are not a few masters of finance in well-known universities. If the tutors have great influence, they will pay attention to practice during their school days and have a deep research foundation. They just got an annual salary of more than 654.38 million.

What does the financial management major do?

Main courses of financial management: main courses of economics: political economics, western economics, finance, international economics, monetary banking, international financial management, securities investment, insurance, business management of commercial banks, central banking, investment banking theory and practice, etc. Main practical teaching links: including course practice, graduation practice, etc. , generally arranged for 6 weeks. [1] Professional training objectives and requirements: This major trains professionals with theoretical knowledge and business skills in finance, who can engage in related work in economic management departments and enterprises such as banking, securities, investment and insurance. Training requirements: Students in this major mainly study basic theories and knowledge such as monetary banking, international finance, securities, investment and insurance. I have received basic training in related businesses and have the basic ability of practical work in the financial field.

What is the job nature of a wealth management company?

Judging from the name of a wealth management company, it may be a kind of financial service company, mainly providing financial consultation and information services, but it depends on the business scope determined by industrial and commercial registration, and the business nature of the company cannot be judged by its name. At present, some companies are in the name of finance, but they cannot engage in certain aspects of financial business without the permission of the Banking Regulatory Commission. For example, it is not allowed to illegally absorb public deposits or absorb public deposits in disguise without approval; Without approval according to law, it is not allowed to illegally raise funds from unspecified social objects in any name;

No illegal loan, settlement, bill discount, fund borrowing, trust investment, financial leasing, financing guarantee, foreign exchange trading, etc.

What do students of finance do?

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, so it is easier to start with professional applications and better grasp of policies. 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. However, it is relatively easy to make money, with high short-term returns (high risks), and all of them are implemented 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 there are banks and securities companies. ......

What can I do after learning finance?

What do you mainly do after graduating from finance? Now let's take a closer look. Although the demand for financial talents is strong, we should also see that the threshold for entering this industry is rising. At the financial job fair, the requirements for academic qualifications are still very high. Almost all the better financial institutions require a master's degree or above, graduate from prestigious schools, and even return to China.

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. There are also many finance graduate students preparing for the exam and studying, and the tutors welcome these interdisciplinary students. Some financial analysis institutions designate graduates who need engineering background, and what they want is rigorous and rational thinking and analysis of engineering.

Introduction of China Middle School Students' Alliance Network cando 100. Judging from the employment situation in recent years, finance graduates usually have these flows:

(1) Economic forecasting analysts and management consultants have a wide range of industries, but generally only multinational companies, large and medium-sized enterprises, economic decision-making departments in various industries and public research institutions will set them up. Mainly responsible for the collection and analysis of various market information. 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 sell the products produced by the "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) Postgraduates in management positions are different from undergraduates. Most of them have participated in some social practice and have some work experience during their master's degree. Therefore, when they formally enter the society, they can also get some management positions, such as production management, administrative management, personnel management, financial management and so on.

(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. Fund managers are high-level talents in this industry, and their responsibilities 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) 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 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 meet the requirements after examination shall apply to the local securities management department or directly to the China Securities Regulatory Commission. ......