Which is better, the international business department and the credit department of Zhejiang CITIC Bank?

Let me tell you more objectively about the two departments.

The two departments you mentioned are both management positions, and the nature of their work is similar. They all work in the office from nine to five (theoretically), and they can't move their asses for a day.

Let's talk about the post level first.

In fact, the international counter is similar to the counter, but it is a big counter for foreign exchange business. The international part of CITIC Bank consists of three parts: the export department, the import department and the comprehensive department, which are generally divided in this way. As the name implies, the business department will not explain it. The income of the international department is generally low, because the department level of the international department is relatively low. According to the order of management positions, employees who enter the international department in the first year are generally E-posts, and the treatment of E-posts is the average income of the department *0.6. Two years later, it went to D, 0.8, but the highest was C, and A and B were basically department heads.

The rank of information management department is generally higher, and new employees go to general lending posts instead of credit audit, unless you are an old hand with many years of business experience. Lending is generally D(0.8) and C after two years, but it is difficult to get B. Credit review is generally B, and A is also available, but not much.

Let's talk about business level first.

The international department is a relatively elementary operation and introduction, which is more suitable for newcomers. A college student like you is absolutely possible and meaningful. You can learn a lot by going to the international department for a few years. Although you will have a little moisture in the process of learning, the position here seems to be not as generous as that of account manager or other departments. But you have to understand that it is important for employees who are proficient in international business to quit their jobs and become account managers in any bank.

The credit management part is divided into three parts: credit review, lending and post-lending (in some cities, it is not so divided, but it is similar). Lending is relatively simple and formatted, that is, one-way transaction approval is carried out according to certain regulations. However, credit evaluation needs very professional knowledge and years of experience accumulation, and needs to be familiar with the market and have certain contacts in the society. Therefore, the letter trial is generally at least thirty years old. After the loan is released, there are some inspections. If you trust the management, you can only do odd jobs after a loan or loan, and you just graduated. Hehe, that's the only way. Your income may be slightly higher than that of the international department, and there is generally not much difference.

In fact, no matter which department you enter, you will find that your major is basically useless.

If you go to the international department, you usually learn to enter the system, read the letter of credit, read the documents, and learn to adjust the foreign exchange (the foreign exchange regulations change every day) ...

If you enter the information management department, you will have numerous meetings first, and then follow the master with a notebook to record what documents you need to provide for what business, where to seal, where to sew, where to put the documents, and which notebook to give to which leader. . .

So, I think your major after graduation is actually useless.

As for suggestions, I suggest you go to the international department. Although the income there will be slightly lower, if you learn all three departments of import and export accounting and settlement, your job choices will be much greater. You can choose to stay in the management department or enter the sales department as an account manager. Because in domestic banks, after all, not every account manager is proficient in international business, and many old customer managers only do RMB business.

Information management department, I think if you go as a freshman, I personally feel that what you learn is not as real as the international department. Although the post salary is several hundred dollars, I think young people who have just graduated should take a long-term view. I have learned a circle outside, and I am proficient in business. It is good to do credit review again.