5 thoughts on “What employment positions have in the financial industry”

  1. The posts and responsibilities of the financial industry
    . Financing commissioner
    1. Finding suitable banks, discussing and providing the best financing solutions and financing conditions with banks can communicate, coordinate, and solve problems with banks.
    2, rational fund analysis and deployment, internal financing arrangements.
    3. Responsible for bank expenses and audits.
    The investment and financing project manager
    1. Participate in project negotiations, organize projects (financing, mergers and acquisitions, listing);
    2. Actively seek project resources and be responsible for the tracking and contact of project progress. Formulate project feasibility reports; assist in drafting the project -related submission approval documents, and be responsible for the specific approval procedures;
    3, mining and guiding customer needs, and guiding customers to accept our company’s services through public relations negotiations on high -level public relations. Model and concept.
    Foreign exchange traders
    Foreign exchange market research and analysis, foreign exchange trading and exchange rate, interest rate -related derivative product trading business
    wealth management marketing experiencer
    1. Design wealth management products;
    2. Customers ask to design wealth management plans for it and handle wealth management business;
    3. Pioneering new customers
    Credit analysis and reviewer
    Report, submit the investment pool adjustment opinion
    bond trader
    bond investment, inquiry and trading business
    product developer
    1, responsible for general manager of small enterprise center;
    2 , To investigate the market status and customer needs of small and medium -sized enterprises, explore, formulate, formulate, and reasonably adjust the direction of product research and development of small and medium -sized enterprises;
    3, propose product development requirements, and lead relevant departments to carry out the development, management and post -postponement of SME products and services. Evaluation;
    4, compile the training materials and related training of small and medium -sized enterprises, deploy sales channels for new products and listing management.
    insurance salesperson
    1. Planning the development direction and specific work plan of the insurance agency business of the entire bank;
    2, formulating and improving the management system of the insurance agency business of the bank;
    3, responsible for responsibility Guidance, approval and monitoring branch insurance agency business;
    4, statistics and analysis of the insurance agency business data of the bank, and propose business countermeasures;
    5. Carry out business cooperation with other insurance companies.
    The bank insurance customer manager
    1, bank insurance sales training, counseling and business promotion;
    2, bank outlet cooperative relationship maintenance and sales support;
    3, bank insurance customer after -sales service.
    The credit system administrator
    If according to the national economic and financial policy and the development and management requirements of our banks, responsible for drafting the company’s credit management measures and participating in the organization and implementation.
    The credit business administrator
    1. Monitoring and analysis of the company’s credit business operation and management status, propose management suggestions, and provide decision -making support for management; Institutional implementation, participate in the qualifications and management of professionals of credit entries.
    The credit reviewer
    1. Dyedon review of the branch of the branch overlap with the right to grant the credit business, comprehensively disclose the main risks of the credit business, and independently put forward review opinions; It also proposes corresponding credit policies to monitor, analyze and guide the credit operation and management of related branches.
    A assistant traders of fund operation department
    1. Entering RMB capital transactions, bond transactions and financial derivative product transactions and other related businesses;
    2. Follow the financial market market information and analyze the development trend of financial markets, Put forward staged transaction business operations;
    3. Maintain customer relationships, collect customer information, and put forward suggestions for customer credit.
    Chat data analysts
    I are mainly responsible for statistical analysis and database management of related financial data.
    Investment lonagators
    I are responsible for the fund management, business accounting, transaction liquidation of the investment management department
    In institutional planner
    It responsible for the construction of the entire system institution, feasibility analysis, institutional preparation planning and design, etc. Essence
    Risk controller
    I is responsible for the risk supervision, management and control of all business activities of the investment management department.
    The investment manager of equity category
    Organized the formulation of equity investment plans, investment strategies, investment plans, and investment allocation plans and responsible for implementation.
    The bond investment manager
    Coustically formulated a combination of bond investment plans, bond investment strategies, investment plans and investment allocation plans and implemented it.
    The bond sales dealer
    The participation in the issuance and sales of the company’s underwriting project in the first -level market and the matching business of the secondary market, responsible for the inquiry, negotiation, trading business of the interbank bond market, and The trading business of the exchange bond market coordinates the development of various resources and maintains customers.
    The customer manager of equity financing business
    The development and maintenance of financial product sales and institutional investor customer resources.
    Senior investment manager
    1. Formulate investment strategies, design, establish and maintain investment portfolio;
    2. Investment survey, submit investment recommendations reports;
    3. Instructions, responsible for assets, responsible for assets Investment operation;
    4. Control the overall investment situation, and regularly submit the investment report.
    Special research on macro -topic researchers
    Special research topics in macroeconomic and financial, capital market reform and development.

    The international economic and international financial researcher
    If international financial and international financial trends, international capital markets, major commodity price tracking analysis, etc.
    Bonded researchers
    The national bonds, financial bonds, short -term financing bonds, corporate bonds, convertible bonds, asset securitization products, etc., focusing on changes in the income, risk and bond interest rate levels of the bond market.

    Curning market researchers
    The bank deposit and loan market, interbank borrowing market, bill discount market, repurchase market, central bank bill market, etc., focus on studying the changes in the flow of money, flow and interest rate levels of the currency market Essence
    The customer credit administrator
    1. Formulate a credit management system for financing and securities financing business, be responsible for daily customer credit management, and determine the credit limit;
    2. Determine the financing interest rate and securities margin rate according to marketization methods. The benchmark, and dynamically adjust according to the development needs of the market and the company’s own business.
    The financial model research and developer
    1. Financial model development, the main direction includes: fully tap the arbitrage opportunities of various financial markets, design and develop arbitrage models to obtain arbitrage income brought about by market pricing failure;
    2 . Design and development of automatic transactions and risk management models; design development right issues and risk hedging models.
    The financial derivatives business supervisor
    1. Organize the project team to conduct financial derivatives related quantitative analysis, formulate derivative investment strategies, model development, risk control overall plan, and supervise the implementation. controlling the risk.
    2. Responsible for the tracking and analysis of the market and products of financial derivatives at home and abroad.
    risk administrator
    Ird service board risk control committees, researching the theory of risk control, tracking the practice of interbank, familiar with relevant regulations and policies, evaluating the organizational framework, system, system, process, and processes of the company’s risk control, proposed risks to propose risks Management strategy suggestion.
    The strategic researcher
    1. Analyze and evaluate the development trend of the macroeconomic and financial securities industry to determine the company’s main development opportunities and main risks;
    2. Analyze the company’s business status and various business units The status, advantages and weaknesses in the industry;
    3. Collect the information of advanced enterprises in the same industry at home and abroad, summarize advanced business philosophy, management systems, and management methods, and provide constructive opinions on improving the company’s competitiveness;
    4. Participate in organizing and formulating the company’s development strategy.
    The research and development specialist of savings and wealth management products
    1. Implementation of process management of savings and wealth management products;
    2. Refined demand according to the requirements of the business department;
    3. Participate in the field of savings and wealth management business Demand interpretation, testing, writing operation manual, operation training, etc.;
    4. Participate in the problem tracking, counseling and optimization of the system operation after the development of savings and wealth management business products; other tasks assigned by the department.
    CAC business research and development commissioner
    1. Implementation process management of card product development;
    2. Refined needs according to the requirements of the business department;
    3. Write operation manuals, operation training and other tasks;
    4. Participate in the problem of follow -up, counseling, and optimization of the system operation after the development of the card business product;
    5. Other tasks assigned by the department.
    C product research and development assistant
    1. User support, system maintenance, promotion and launch of channel products;
    2. Application management, configuration management, data processing, etc. engaged in channel products;
    3. System testing, operation counseling, and problem acceptance of channel products.

    C product development commissioner
    1. Responsible for the establishment organization, resource implementation, solution design and other work of channel products;
    2.
    3. Responsible for the interpretation of channel products, test organizations, writing operation manuals, operation training and other work;
    4. Problem tracking, counseling and optimization of channel products.
    Fund IT transaction administrators
    1. Assist system analysts for data processing and analysis;
    2. Participate in some company information system construction to assist system administrators to carry out system security management.
    The representative assistant
    1. Visit and reception of domestic and foreign investors; reply to the letter of calls
    2. ; Keep contact at any time
    4. Consultation, research and conveying related policies;
    5. Participate in the negotiation and tracking of relevant projects;
    6. Relevant approval of the urging office;
    8. The draft dividend dividend distribution plan, etc.;
    9. Evaluation incentive work
    10. Complete other tasks arranged by the department leaders
    The handling of the case includes whether to determine whether to investigate, decide whether to pay, decide the amount of payment to pay, communicate negotiations with customers, and settle the case.
    Fund registrar
    1. Responsible for the processing of transaction data;
    2. Maintenance and testing of fund registration system;
    3. The formulation of transaction rules and processes;
    4. agency sales agency Business exchanges;
    5. Fund allocation;
    6. Research and development of new business.
    industry analysts
    1. In -depth analysis of the development trends and competition elements of various industries, timely tracking and predicting the changes in the industry, and providing corresponding various research reports;
    2. Stay on listed companies closely, Provide various types of company analysis reports in a timely and accurate manner through quantitative analysis to reveal investment opportunities and risks.
    Analyst assistant
    1. Assist in collecting and organizing information for macro, strategy, fixed income, and industry analysts;
    2. Assist in completing the daily administrative affairs of relevant departments.
    Investment managers
    1. Study macroeconomic and financial operations, and judge market trends;
    2. Tracking a reasonable investment evaluation method and model to analyze the value of optional securities;
    3 . Preparation of investment portfolios, properly seize investment opportunities, and achieve investment goals.
    Plip sponsor representatives
    1. According to the division of labor, the quality of the projects in charge of the project is cleared and produced project plans to ensure the smooth progress of project contracting, inheritance, and underwriting, and complete the business and profit indicators;
    2. Communicate the relevant affairs of the projects in charge (including the China Securities Regulatory Commission, the Exchange, the Securities Regulatory Bureau, the Securities Industry Association) to ensure the smooth progress of the project;
    3. Customer relations are developed and maintained, and their subordinates provide personalized services to customers to meet the current business advancement and future business reserves;
    4. Disciplinary duties and sponsorship duties after diligence and listing.
    The manager of the Securities Investment Department
    1. The overall work of hosting the Securities Investment Department is responsible for the superior.
    2. Responsible for the company’s business plan or cost plan.
    3, operate business work within the scope of relevant laws and regulations such as the “Company Law”, “Securities Law” and the company’s articles of association. Public, fair, and notarized the selection of outstanding employees in this department, and strictly evaluate the employees of the department.
    4. Responsible for the company’s securities management affairs, assist the secretary of the board of directors to carry out work, report to the competent securities authority and the stock exchange in accordance with relevant national regulations and accept supervision.
    5. Assist the secretary of the board of directors to coordinate the relationship between shareholders and the company, receive visits to shareholders and investors, and reply to relevant consultation.
    6. Responsible for preparing the company’s annual reports, mid -term reports, quarterly reports, and other relevant information, and provide information to the secretary of the board of directors in time in accordance with relevant national regulations.
    7. Responsible for the establishment of the company’s securities investment business archives, stock market archives, independent responsibility for confidentiality work, and regularly analyze the changes of the company’s shareholder structure and the stock trend of the stock.
    8. In conjunction with the assets and Finance Department, do a good job in the company’s annual dividend and dividend work, and study the formulation of stock issuance, shares or bond issuance plans for stocks.
    9. Responsible for the management of corporate legal person stocks.
    10. Responsible for the research work of major investment projects of the company and put forward decision -making suggestions.
    11. Prepare the company’s investment project plan, and be responsible for the feasibility research, approval, and project of investment projects.
    12. Organize the implementation, supervision, and evaluation of investment projects.
    13, strict control of the departmental expenses, and improve work efficiency. Coordinate the relationship between employees in the headquarters, cultivate team spirit, and work together for the company’s goals.
    14. When temporarily leave the job due to a business trip or other matters, a deputy manager should be assigned an agent’s authority to ensure that the various businesses of the department are not affected.
    15. Responsible for completing other tasks assigned by the company’s leadership.
    Coor settlers
    (1) Collection, entry, calculation settlement data, print settlement statements, and review the settlement results.
    (2) Provide customer settlement forms according to the prescribed way and time, send additional margin notifications and forcibly liquidation notice.
    (3) Calculate customer risk ratios, analyze customer risks, and coordinate relevant business departments to strictly control customer risks.
    (4) A review of customer deposit, providing the required report to the financial department on time, and doing a good job of reconciliation.
    (5) Binding, saving, and backup settlement information in accordance with the archives management regulations.
    (6) Maintaining customer interests shall not leak customer information without authorization.
    The representative of the market
    (1) Do the preparation of transactions before the opening, check whether computer equipment, telephone lines, etc. are running normally.
    (2) Use specifications when receiving orders and returns. The term cannot accept the disabled or blurred instructions.
    (3) Has a high sense of responsibility and reduce errors. Basic skills training, improve business capabilities, quickly and accurately execute trading instructions.
    (5) Timely conveying the on -site transaction information or exchange documents to the company in a timely manner, and reflects or query the relevant situation to the exchange according to needs. R. R. R. R. n (6) After the transaction is over, the reporter will check the transaction of the day in a timely manner to ensure that the information of the exchange settlement order is transmitted back to the company on time.
    (7) When trading in the field Leaving the job, you must not use the work to seek private interest.
    (8) Strictly abide by the rules and regulations of the exchange, and establish a good image for the company.
    , High -quality services, it is strictly forbidden to quarrel with customers.
    (2) Responsible for receiving orders, reporting orders and transaction returns, record working logs.
    (3) Use standards in operation, and quickly and accurate.
    (4) Strengthen work responsibility and reduce the occurrence of the wrong form. If the wrong list is found, it is strictly forbidden to deal with it without authorization.
    (5) Understand customer positions and risk status, control transactions of high -risk customers Risk.
    (6) Responsible for communicating with representatives from the market, and inform the relevant information of the exchange in time.
    (7) After receiving the market, responsible for checking the transaction situation with the outlet representatives, organize the preservation transaction record information.
    Dalestant asset management product designer
    1. Responsible for the development and structural design of banking asset management wealth management products;
    2. Supporting line sales;
    3, study the development of domestic and foreign funds, capital markets, and asset management models, and carry out product development.
    It wealth management product marketers
    1. According to market changes and customer needs, product design needs are proposed;
    2. Organizations of institutions and personal asset management, wealth management and other investment wealth management products markets Promotion and follow -up improvement of products, including product promotion training, marketing supervision, and daily problems;
    3, management and guidance of branches of wealth management products sales channels, formulating sales strategies;
    business management and quality controller
    1. Responsible for the construction of wealth management related systems and sales process management;
    2, the cost and benefit analysis of the wealth management business, quality management, performance assessment and tracking supervision, etc.;
    3, responsible for wealth management product sales Daily management and statistical analysis.
    High -end customer waiter
    1. Responsible or directly provided wealth management services to individual high -end customers through branches to guide the development and maintaining the relationship with high -end customers;
    2. Collect high -end customer investment and financial management needs Requirements and timely feedback, and propose solutions;
    3, according to the needs of high -end customers, coordinate the product design departments tailor -made professional financial management plans for them;
    4, responsible for writing standard marketing services provided by wealth management managers Skills, etc., regularly analyze the overall development of the entire VIP financial management business;
    5, collect and organize industry investment information, industry regulations dynamics, in -depth excavation and analysis of interbank market information, responsible for the follow -up information of our customer service services support.
    Colidal asset management investment strategist
    1. Combined with the development of asset management products of our bank, providing specific asset category investment strategies and multi -type asset allocation strategies and investment portfolio management;
    2,. The research and investment strategy analysis of major domestic and foreign markets and different assets investment reference indicators.
    In internal/external complaints
    1, accepted internal and external complaints;
    2, verifying the content of the complaint;
    3, proposed complaint handling opinions, urging relevant departments to implement rectification and feedback;
    4. The rectification of the complaint unit is determined, and rewards and punishment suggestions are made;
    5. Report the complaint acceptance to the leaders and notify the relevant content to the entire bank.
    1. Customer manager
    1. Responsible for investing in customer development and maintenance; market market research and judgment; providing professional securities investment consulting services for customers.
    2, promote various financial products to customers;
    3, write credit application reports to analyze credit risk;
    4, through business development .
    Financial analysts
    Is responsible for customer training, market research, demand analysis, functional design and other work for financial analysis products/projects for financial institutions and higher education customer bases n R n Analyze the international financial market, study the trend of the market; grasp market opportunities, and issue transaction operations in a timely manner.
    Investment analysts
    1. Research on macroeconomic and investment policies to provide reports of economic development trends; 2. According to the company’s investment guidelines, engage in industry survey and research report, produce industry research reports, and be responsible for continuous follow -up research in the industry;
    3. According to the company’s investment guidelines and investment plans, conduct investigations that have been put into the company’s operating status, conduct regular visit to the listed company, and submit the company’s investment value analysis report; 4. Responsible for the company’s external management consultant and wealth management consultant business, responsible for the same industry and the same industry Institutions carry out research business connections, and various information institutions conduct regular exchanges.
    Counters
    1. Application of account opening business
    2. Collect and organize relevant statistical materials;
    credit evaluation staff
    1. With R

  2. The “Financial Job Ceremony”, “Financial Job Ceremony”, “Freshman Financial Job Promotion Report”, etc.
    . Commercial banks
    can be said to be a commercial bank that the vast majority of people are in the end. I remember that we had done a small number of samples before. Banks basically solved nearly 70 % of the so -called financial employment. Of course, the most commonly did not determine.
    In the classification of several different lines to briefly introduce the settings of the internal positions of the bank:
    1, Guan Peisheng strip line
    This system is a talent training system. It can help enterprises realize The needs of the long -term planning of senior management talents are similar to the well -known civil servant selection system.
    2, the business department line
    The business department lines mainly include lobby managers, tellers and customer managers. Among them, the customer manager belongs to the bank’s marketing post. Customer manager and personal loan customer manager.
    3, retail business line
    The personal finance department, credit card center, electronic banking department
    4, capital business line
    Financial marketing department includes banks’ self -operated funds in the general sense Both inch management, inter -bank borrowing, bond transactions, foreign exchange and derivatives, precious metal transactions, and interbank sales, etc., are widely scope. Its most important businesses include: financial market analysis, investment transactions, interbank business, derivatives and precious metal transactions. The smaller the banks, the more business types may be included, and the four major banks may be divided into thinner. The business mentioned above may also be divided into other departments.
    The investment banking department: At this stage, the investment banking business mainly has the following three types.
    The first is the issuance business, such as helping enterprises issue interbank bonds (such as short -term financing vouchers, medium -term bills and perpetual debt, etc., which can transactions in interbank transactions) and currently popular ABS -asset support Securities. Commercial banks have the characteristics of many outlets, wide customers, and strong underwriting capabilities. These constitute the basis of commercial bank bond investment banking business, and laid the absolute advantage of commercial banks in this field.
    The second type is the financial advisory business, mainly including corporate mergers and acquisitions, securities underwriting, project financing consultants, and collecting financial advisors. Among them, the financial advisory business uses the bank’s customer network, capital resources, information resources, talent resources, etc. to provide customers with funds, risks,
    The financial advisory business is customer resource contracting business.
    The third is a leveraged financing business. Commercial banks provide credit and other funds for enterprises to help enterprises get funds required for activities such as listing, distribution, mergers and acquisitions, and joint -stock system transformation.
    A asset management department: Asset management department is generally responsible for off -balance -sheet wealth management business. The investment direction of wealth management assets includes standardization and non -standardization. Standardization refers to products that are disclosed in the interbank market and the exchange market, such as bonds; non -standardized full name is non -standardized creditor’s rights, and opposite to standardization, including receiving (receiving) benefits, structured financing, entrusted loans, trust plans, etc. The main purpose of investing in non -standardized projects is to obtain higher returns through the time limit mismatch. Under the new rules of assets, the business of the wrongdoing distribution will gradually withdraw from the historical stage, but the financial subsidiary will open a new chapter for the bank’s asset management business, which is worthy of focusing on.
    5, other business bar lines
    The company business department, corporate credit business
    6, risk management bar line
    Credit approval and management department: The main work of the department is according to the corresponding credit policy to correspond to the corresponding policy. Various new, continuation and reorganization loans are approved within permissions to ensure the separation of loans and ensure the quality of public assets.
    The laws and compliance department: functional departments responsible for legal affairs, compliance management, and approval responsibilities.
    The audit department: The audit department is similar to the internal audit department. It is mainly responsible for evaluating internal control risk points, implementing internal audit, submitting audit reports, determining responsibilities, analyzing the internal control situation of the entire operation, and proposing internal control suggestions.
    The asset insurance: All asset insurance is mainly responsible for led the collection of non -performing assets of the entire bank, the disposal of debt and debt -to -debt assets, the nuclear sales management, and cooperating with other relevant departments to manage the management and clear collection of issues with other relevant departments.
    7, comprehensive management line:
    The comprehensive management bar includes the planning and finance department, human resources department, information technology department, office, etc. In the end, most people go to -make the cabinet.
    . Securities companies (brokers)
    In internal positions of securities firms can be divided into front, middle, and backstage:
    1, the front desk business line example
    Such as brokerage business, investment banking, research institute, asset management business, etc.
    The brokerage business is investor agencies to buy and sell securities. Its headquarters may directly control dozens or even hundreds of business departments. The business department buys and sells stocks, funds, etc. through the counter or online way, and collects commissions according to the contract. Brokerage business is the main source of income from most securities companies. The income of the brokerage business headquarters is relatively average, and the income of the business department is large in terms of transaction volume. The investment consultant of the business department provides consulting services for customers’ investment, and the income is also largely differentiated with the performance.
    The investment banking business generally refers to equity financing businesses such as IPO, mergers and acquisitions, and non -public issuance, with a wide range of scope. The investment banking department connects the capital market and industry. It helps enterprises financing through the form of equity and creditor’s rights, or assists enterprises’ industrial investment and upgrades through mergers and acquisitions, financial advisors and other forms.
    The research institute is mainly responsible for studying listed companies, publishing research reports from related fields or companies to buyers, and providing various services. The Institute does not directly create profits, but attracts potential customers as a think tank. The research team will study the development trend of macroeconomics, industrial development, interaction between industries, and their respective characteristics. Digging a valuable and investment highlight listed company, put forward suggestions for investors’ investment decisions.
    The asset management business is essentially relied on trust relations, and investing in the name of a certain asset management plan to increase investment operations on customer assets. After the management fee is charged, the remaining investment income will be returned to investors. The scope of the asset management business of securities firms is relatively wide: After the past large -scale raised funds were suspended, many securities firms on the secondary market obtained public offering licenses and entered the public offering market. Small collection funds are similar to special accounts for public funds, but they cannot publicize publicity and the threshold is high, so the scale is not large. In addition, more types of investment banks have implemented targeted asset management plans. Although the rate is low, it can quickly spread out the situation and expand the scale. On the whole, the asset management business of securities firms relies on the business department and the investment and research system, and has a pivotal position in the financial market.
    2, the business bar of Zhongtai
    The departments mainly include risk control, compliance, product and other departments.
    3, back -end business bar
    The background departments include finance, manpower, comprehensive management, liquidation custody, and information technology.
    . Public funding funds
    The people think that public funds are the existence of Gao Shuaifu. In the field of large asset management, the institutional system of public funds is relatively advanced and perfect. It is an investment tool that is more suitable for public financial management. There are three main reasons: First, the investment target of public funds is clearly a standardized asset such as stocks and bonds. , High information transparency; second, the fund law gives fund property independence, risk -based product design and sales specifications, and strict regulatory system The rights and interests of public fund investors have been fully protected; the third is that the public fund has always adhered to professional investment services and lower fixed rates, while bringing more rewards to investors, its low management cost advantages are more prominent.
    The main departments of the fund company include investment research, products, markets, fund special accounts and other departments.
    The investment research department includes the investment department and the research department. The investment department selects the industry and stocks in accordance with the investment principles and plans formulated by the investment decision -making committee, and at the same time forms a management portfolio, and issues an investment instruction to the trading department. Information and investment performance analysis, etc.; The research department is the support department of fund investment, which is mainly engaged in macroeconomic analysis, industry development status analysis and investment value analysis of listed companies, and provides research reports and investment recommendations to the fund investment decision -making department; Fund manager management funds.
    Compared with the seller’s research, the buyer’s investment research is to serve the investment manager, the purpose is to obtain the recognition of the investment manager, promote the growth of net value of the fund, and the fund ranking in the market. The research of buyers need to provide clear investment suggestions for investment managers and be responsible for investment suggestions. For this reason, most of the reports have a fixed writing structure, including industry conditions, company conditions, business development and profit analysis. Finally, investment suggestions. Buyer researchers attach more attention to the independence of their research. The logic and viewpoints of comprehensive securities firms are based on their own judgments to conduct a deeper independent research. At the same time, they can draw clear conclusions and have high requirements for professional quality.
    The product department is responsible for the design and raising of fund products. It is the provider of the fund company’s “core ammunition”. The main function is to design fund products in accordance with the current status and future development trends of the fund market and the internal status of the fund company. Zhongtai Department, this position requires a strong ability to communicate and coordinate and be practical.
    The fund market department mainly includes institutional sales and channel sales. Institutional sales are mainly targeted at professional institution customers, providing them with various types of products that meet their income requirements, or customized specialized products for them. Channel sales are mainly connected with various sales channels, including banks and securities firms. At present, the largest agency sales channels for public funds are still banks. Therefore, the market sector daily deal with the bank’s individual gold department and various regional outlets.
    The fund special account department is mainly responsible for the special account wealth management business, namely: specific customer asset management business, similar to “private equity in public offerings”, refers to the fund management company raised funds to specific customers or accepts specific customers’ property entrustment to act as asset management People, asset custodians, are the asset custodian, and use the interests of the asset client to use the commissioned property to invest in activities.
    In addition, the fund company also includes some central and background departments, such as supervision and audit department, risk management department, fund accounting, etc.
    The supervision and audit department is responsible for supervising and inspecting the legal, compliance situation of the company and the company’s internal risk control. ), Regular or irregular implementation, coordinating the company’s external information disclosure and other work.
    The risk management department is responsible for effective management of or potential risks generated during the company’s operation. Monitor the various links in various business departments and operation processes, and provide reports and targeted suggestions on risk assessment, estimates, daily risk points inspection, risk control measures, etc. Fund accounting is responsible for recording the fund asset operation process, and the account accounting of the fund investment business that occurs on the day of the fund is completed; the net asset value of the fund assets is calculated on the day; the accounts checking with the custody bank will be completed, and the net value of the fund is calculated.
    The fundamental subsidiary has increased significantly in recent years due to the flexibility of its license. In recent years, it has provided a large supplement to public fundraising funds in business scope and product innovation. Fund subsidiaries generally do not set up separate investment and research departments, but are shared with public funds. Fund subsidiaries’ business is greatly affected by policies. With the landing of new rules on asset management in 2017, the traditional channel business will be greatly affected. In the future, it will be uncertain. It is expected that in the future, it will mainly develop to the equity category and ABS business.
    . Trust company
    The “four pillars” of trusts, banks, securities, and insurance is also called the financial industry. The meaning of the trust was originally “entrusted by others and financial management”. Based on trust, the client entrusted his property rights to the trustee, so that he would be in his own wishes in his own name to be the interests or specific purpose of the beneficiary. Management or punishment behavior. The main body of the trust industry is a trust company, and many types of investment and financing business have been derived. The trust industry has the characteristics of streamlined personnel, large management assets, and high per capita net profit.
    The trust industry has been twisted, but in 2007, the trust company re -found business positioning and became the “Gao Fushuai” in the financial industry. During the historic opportunity period of 2010-2012, the scale of the asset management of the trust industry soared, which opened the prelude to the large asset management; and due to the universality of the trust license, it climbed in the ranking of several major financial industries to the second ranking to the second. , Second to the bank. A good incentive mechanism also attracted a large number of outstanding practitioners.
    2018 After the implementation of the new asset management regulations, the provisions of breaking the management of rigid redemption and net worth of the value to avoid the risk of managers in diligence under due diligence, and on the other hand, it increases the difficulty of raising trust products. The regulation of multi -layer nesting and channels will reduce the scale of trust assets with heavy channel business. In addition, the requirements for cleaning up capital pool business and prevention of mismatch risks will allow some trust companies with “new and old” through funds to facing greater liquidity pressure. Although improving the entry threshold for qualified investors may reduce the sources of potential customers, it is conducive to the trust company to identify investors with high anti -risk capabilities and help relieve the stress. Some trust businesses such as stock planning and pledge financing are carried out.
    The traditional trust business includes the channel business of Yinxin cooperation, non -standard financing business, etc. The initial business positioning is to help entity companies meet the financing needs that banks cannot meet. Trust binding banks in the early days to make various banks’ off -balance -sheet financing, and the most in the later period should be non -standardized financing of real estate companies and government financing platforms. With the decline in interest rates and the liberalization of corporate debt, the market is in a “asset shortage” state, and many institutions are currently seeking transformation. An important transformation direction is investment in the capital market, but because the trust company’s own investment and research strength is relatively weak, overall in recent years, the speed of development has declined significantly in recent years. Now that traditional business is constantly limited, trust companies have gradually tried to do many securities trust business.
    The equity financing business of investment banks, asset securitization business and private wealth management are also the direction of the transformation of trusts.
    The trust business department can be roughly divided into trust business department, securities investment department, investment banking department, risk management department and other departments.
    The trust business department: The department belongs to the front platform business department, is the core of the business development of the trust company, and is also a direct creator of income and profit. According to the nature of management funds, the front desk business department includes inherent business departments and trust business departments.
    If Securities Investment Department: Securities investment business has always been the shortcomings of trust companies, but trusts have also cooperated with many private equity and futures in this regard.
    If investment banking department: The work content of the trust company’s investment banking department is different from the investment banking department of the securities company. The tasks are more and cross -level with the first- and secondary. Intrandment acquisition, responsible for the establishment of new companies’ business, hosting project financing business, undertaking financial advisory business, equity investment before the company’s listing, and undertaking investment agencies and project agencies.
    Risk management department: The department belongs to the central and background departments. It is responsible for managing various risks within the scope of work through business plan review, process monitoring, account management, certificates and archives management. The risk management matters responsible for the department conduct parallel monitoring and supervise the implementation of various risk management measures. The current trust company also adopts the management model of “movement forward movement”, that is, the risk management department dispatched some risk control personnel in the early stage of business development to intervene in due diligence and product transaction structure design and other links to strengthen the business Risk control of frontline.
    . After many years of brutal growth, the overall growth rate of the trust industry is also slowing. Under the impact of the new rules of asset management, the operating pressure of traditional businesses is also increasing. However, the supervision of the subsequent securities supervision system is also strict. Compared with the advantages of the trust license license, the trust company that can successfully transform and upgrade in the future will develop better.
    5. Insurance company
    The insurance company has always been one of the main buyers in the financial market due to the advantages of its funding nature. It is the most mature and largest institutional investor in Western countries. However, most employees in insurance companies are engaged in a marketing system. (Multi -level management of domestic insurance marketing, many advantages are similar to the “MLM model”), especially for individuals, they will also cooperate with a large number of insurance agents and banks.
    The actuarial department is mainly responsible for the development and management of goods, product research, evaluation, and business analysis. The compliance department is also a typical Zhongtai, which is not much different from other financial institutions.
    It other background includes claims, underwriting, customer service, premiums, operations, administration, personnel, finance, etc.
    The investment departments and asset management companies that represent the real “buyer status” on behalf of the insurance company belong to the internal “crown department”. Investment behavior. The number of recruits is very scarce. Once you go in, you can use friends to say “suitable for old”. After all, it is one of the largest buyers in the market.
    6. Private equity funds
    Private equity funds are divided into private equity investment, private equity investment, and alternative investment (other categories).
    Seven. Inside the financial regulatory articles

  3. There are too many conventions in life.
    For example, the good grades are good students; after the karma, you must find a job.
    In the eyes of many people, if you do n’t find a job if you graduate, either you are old or waste.
    For Xiaoyu, which comes out from the small county in the northern county, this kind of external pressure is greater.
    The university that was able to be admitted to Beijing was not a famous university at that time, but in the mouth of neighboring neighbors, other children’s children.
    But in the past two years, the neighborhood neighbor’s words turned “Don’t learn stupid”. Because after graduating from college, she has been at home for a year.
    Xiaoyu said: “No one can understand the embarrassing situation of unlimited employment graduation. At that time, I wanted to fulfill the dream of a famous school. n has no job and experience, and self -descending “identity” to internship. Those who have not graduated from the employer will not recruit me … “Graduation and employment must not only endure a huge burden, but also accept the pressure of public opinion. What’s more important is not to be seen by the employer …

    01

    ” As an intern, “Xiaoyu was influenced by his parents since he was a child, and he had a good understanding in his cognition. Only the reading was high; the teacher had always taught him. The book had his own golden house, and he had Yan Ruyu in the book. Therefore, when Xiaoyu almost did not enter the university gate, he had to study after decision, and studying was the only way.
    Whether the classmates are playing clubs or internships, Xiaoyu is writing books for the library. His academic performance has always been the top of the class. In Xiaoyu’s plan, there was no other second road after the postgraduate graduate. The first year’s interview was brushed. Although it was a bit lost, she did not shake her belief in the exam. However, the postgraduate entrance examination (exam) sometimes really needs to consider the factor of luck. As soon as the results of World War II came out, Xiaoyu knew that it was cold, and it was very cold.
    Is think of the economic conditions at home and do not consider obeying the adjustment (transferred to the job), so he started to find a job. This year’s spring recruitment situation not only delayed, but also had a lot of opportunities. In the case of Xiaoyu, there is no internship experience, one year of graduation, no employment, and no work experience. After I voted a lot of resumes, I did not reply, and there was no chance of the interview. Xiaoyu even voted for an internship position, but did not expect the employer to refuse directly. Why can’t you do an internship after finishing the karma? This is the case. According to the provisions of the Labor Law of my country: In addition to the employer, in addition to the student and the person who exceeds the retirement age, the employer must sign a labor contract according to law without signing the labor contract. Therefore, employers do not want to recruit, they do not dare to recruit, involving violations of labor laws, but they must take legal responsibility.

    02

    “After graduation, I know that the status of the freshman can only use”
    the first two days before# How important is the status of fresh graduates? #The hot search has made many students realize the importance of fresh graduates, policy tendencies, specific positions, welfare in various places, and help to enterprises …
    ▲ Picture source : Network
    , but you understand this truth, but pay a lot of money.

    Thisy is a 19th graduate. Before graduation, her roommate signed a job. In the end, only she had not settled in her work, and she was always in a hurry.
    Because I did not pay attention to finding a job before, I started to worry about it when I graduated. At that time, a foreign company in Beijing (previously in the post) came to school to make up for the school.
    worried that I couldn’t find it, so I quickly signed it. I even asked more about the work content. I didn’t understand everything.
    Because it is a manufacturing enterprise, the factory is in the suburbs of Beijing, but I have to say that the salary is pretty good for more than 5,000 trial period. It’s good.
    but after 3 months of doing it, I resigned, and began to “North Drifting” in the true sense.

    has moved into the city, but also lived in less than 10 square meters of shared houses. In order to apply for a job, I ran all over Beijing. Although she just graduated, the company no longer recognized her freshman status.
    How to judge whether you are or not as a freshman?

    The editor’s rigorous and responsible attitude found the official statement of the fresh graduate status: under normal circumstances, when the general college graduates of the country are re -enrolled, they leave the school and during the career period (the state It is stipulated that the career selection period is 2 years, and some areas have been extended to 3 years). The work unit, archives and party relationships are not implemented. Graduates can be treated according to fresh college graduates.
    This is a bit dizzy?
    In short, fresh graduates are divided into two types: 1. In the conventional sense: students who are about to graduate, but they have not yet obtained a graduation certificate; During the career selection period, students who have no employment. So what is “choosing a career, no employment”? It is in the career selection period. Without formal work (no social security), talent files are placed in school or local employment service centers. If the work is promoted, social security has recorded records, and the status of fresh graduates will be lost.
    Therefore, the long -term status has been used, and he can only participate in social recruitment and experienced “social people” on the same stage.
    The social recruitment is very important, so the first job is still more cautious. Like Youyou left in only 3 months, he did not say how much experience, and lost his status as a freshman.

    03

    is not “delayed employment”. What should I do? “If you can employment, who doesn’t want to employment?” Liu Fang, who graduated immediately this year, said how many people’s voice.
    The employment environment this year is very bad. Most of the postgraduate entrance examinations, and the return of returnees returned from a large number of study abroad, all pressed the job search in this year’s spring recruitment.
    But this year’s spring recruitment, the impact of the epidemic, 40 % of the companies said that they would shrink and stop, even if they want to employment, there is no chance.
    is indeed the case. If it is not forced to be helpless, who wants to delay employment?
    Af affected by the epidemic this year, delayed employment has also become the choice of many students. The overall step of employment of graduates has slowed down.
    The students are very anxious because they delay their employment (or cannot find a suitable job). The company I want to go is not enough, and now I have less opportunities. I worry that I can’t find my job.
    Actually, did you find it? There are always anxiety for jobs, not because there are few opportunities, but because I can’t reach the place I want to go.
    The influence of the epidemic this time, colleges and universities will appropriately delay the graduate career time. During this time, we will give us more preparation time to prepare resumes, written tests and interviews.
    Please click Enter the picture description
    The best way to get rid of anxiety is not to ignore it, but to face it.

    The reason for anxiety is that we know that we don’t know. From this point, it is actually a good thing, at least we know that our ability is not good.

    Secondly, our anxiety is because we want to change the status quo, but we lack some methods and patience.
    Although there are fewer opportunities in the environment, the requirements of the employer have not changed, and what we can do is to improve the job search skills during this time.
    The personal ability is improved, and work will not fall.
    Please click Enter the picture description
    , then the question comes, how to change?
    First, maintain a positive and optimistic attitude: Many students are pessimistic and do not see what opportunities. In fact, to transform the angle, the impact of the epidemic also benefits some companies, such as: online education, e -commerce industry, medical care, etc.
    , and the recruitment of the corresponding graduates of public institutions and civil servants this year and tomorrow is tended. Many positions clearly require only recruitment of fresh graduates, and it also helps to reduce job hunting difficulties.
    Opportunities or challenges, sometimes it is a wall. Second, improve their job search skills: Many students have been unable to find a job, and the resume has not responded. Then why not see if your resume can be modified, the language is more refined, the format is uniform, and the post is clear. Written tests and interviews are also the same, and every detail can be improved. Therefore, even if employment is difficult, as long as you prepare well and do not relax the management of yourself, you will win 80% of people.

  4. Domestic:
    1 brokerage business: financial consultant, customer manager. Essence Essence Low -end, you can get qualifications for employment when you graduate from high school, but due to the serious employment, there are already a lot of masters to do this. Mainly fight customer resources and sell substantial sales. There are resources at home.
    2 Mid -back: State -owned banks sitting in the office, 211 masters can go in or have a relationship (but at least two years at the grassroots level). There are also internal diligence similar to the Pacific Insurance Industry (not the kind of attendance, you can Baidu again). Risk control.
    3 Research nature: Each brokerage researcher, asset management, self -employed. Fund manager.
    4 Investment Bank Nature: Test CPA. Children. Partial audit, do Sell-Side. Involved IPO, PE, etc.
    It international first -class investment banks include: Quant, trader. Please refer to the movie ‘Devil Traders’. It is regarded as the top industry, rock superstar on Wall Street. Generally requires a master’s degree in the TOP20 in the United States, or physics, and the pHD of mathematics.

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