What are the majors in economics, finance, finance, economy and trade?
Let's see what majors economics includes. In the stage of undergraduate volunteering, economics includes four first-level disciplines, namely economics, finance, finance and economic trade, all of which are our majors.
In fact, economics mainly recruits economics and economic statistics when enrolling students.
Two majors in finance are also recruiting.
Finance majors are mainly in finance, financial engineering, financial mathematics and other majors, and there are not many other majors.
International economy and trade, that is, economy and trade, mainly recruit this major. In fact, these four majors have similarities and differences. At the undergraduate level, in fact, the difference between these four majors is not so obvious, and they are all related majors.
Unless you apply for a school called University of Finance and Economics, like this University of Finance and Economics, you will pull out the finance major as a department.
Most schools, the name of the school is not a university of finance and economics. In fact, they are all in the School of Economics and Management, and they are all related majors of a college. Let's take a concrete look at their differences. First of all, economics is the general term for all our majors. Economics is a general term for all majors, so it will continue to be divided into different directions when you are a sophomore or a junior. For example, you will be divided into a financial direction or a financial direction. Economics is a general term for all majors. Let me talk about finance first.
Finance refers to studying the income of the national economy, making the national treasury sufficient, ensuring the funds for the work of state institutions, maintaining social order, cracking down on illegal crimes and meeting the needs of administrative institutions at all levels. It is a major that studies the formation and development law of financial distribution relations with the theme of the country, that is, finance and finance that we have been talking about, and it must be based on the country. For example, we are talking about paying teachers, people in the court and people in the public security bureau. Where did he get the money to pay his salary? The state should realize it through taxation.
How should after-tax finance be distributed? The research of this thing is called finance, so its research object is at the national level.
Finance studies how the government raises, uses and manages funds to meet the needs of society. The content includes financial theory, financial system and financial management methods. According to the main body of finance, finance can be divided into: finance with national finance as the research object, and comparative financial system that compares the financial systems of various countries.
Our analysis shows that we mainly recruit finance for the former. Finance with national finance as the research object.
Taxation is one of the most important directions of finance. In fact, you can understand it as a major. At the undergraduate stage, it is meaningless for you to tell me the difference between finance and taxation. You can understand it as the same major, because as far as our country's finance is concerned, its most important income is actually tax.
Finance, this major is really hot. Finance is a discipline that studies value judgments and laws, and finance is a discipline that is different from economics in studying financial intermediaries. Financial intermediary is called finance for short.
It mainly includes four academic fields. Banking, securities, insurance and trust. There are two directions in the traditional financial research field, namely, macro-level financial market operation theory and micro-level corporate investment theory. At the macro level, such as financial market theory, we just introduced the book Currency War, which is at the macro level.
The micro-level corporate investment theory is corporate finance.
The employment direction includes banks, places to go after graduation, and brokerage firms. Brokers specialize in stock issuance.
Third, investment institutions, such as my investment, how much I invest in you, how many shares I hold, and how you will enter new shareholders after listing in the future. The fourth is corporate financing. Because what is corporate financing for? When my business develops, I need money. If I say how much money I want to make before investing, I may have lost the opportunity to expand the market.
For example, I am volunteering for the college entrance examination now, and I have opened a branch in Suzhou head office and Shandong. I opened a branch in Shandong. If I earn 1 ten thousand a year, I can open a prefecture-level city. I will earn 1 10,000 again, and I will open another prefecture-level city.
But now, if I can raise money, I can open 10 prefecture-level cities and earn more money. What if I don't have100000? I go to finance. This is the so-called corporate finance. In insurance, people actually buy insurance. Have you ever thought that if you buy insurance, in case of some accidents, you will lose money, even more than you lose? Why?
Actually, insurance is a kind of financial management. You give the insurance money to the insurance company, and the insurance company takes your money to Qian Shengqian. You can get a rebate if you have a problem, and you can lose money if you have a problem, but people still make a profit.
Including trust funds, fund managers are an employment direction of finance. However, many parents still think that finance mainly goes to banks. But do you think banks are easy to enter now? Or do banks need people who study finance?
Because this major is hot, I also specially asked some people who are working in our bank now, including some staff of investment institutions. The feedback they gave me may make everyone a little worried. Including the talents of the entire financial industry, it is not what everyone imagined. Let's take a look at this book together. Among the three books we recommend to you, one is called "Where does the money come from?"? "Where does the money come from" will also involve the employment of finance majors.
In the past ten years, bank employees once represented the golden rice bowl, high salary and comfortable working environment. Until 20 18, the average annual salary of employees of the four major state-owned banks in China was 260,000 to 300,000, which was more than three times that of the employed population in China. Everyone thinks it's good to go to the bank.
However, with the rise of mobile banking and unmanned banking, the positions of staff dealing with deposits, transfers and other businesses have entered a downward channel.
China Ping 'an has built a first-class claim picture database covering all general-purpose vehicles, and transformed many years of claim data into algorithm models, introduced intelligent flash claims, and so on. What does all this tell you? Now the contempt chain of the financial industry.
Investment banking elites are also hard to be immune in the era of artificial intelligence, telling you that this professional employment is really not as good as everyone thinks now. More importantly, the development of new technologies such as artificial intelligence, big data, and the Internet has spawned a large demand for financial+information technology talents in the financial industry.
That is to say, when I was giving a lecture in Hefei two days ago, a parent asked me that my child wanted to study finance and computer now. What should I do? I said, if it can be combined, so much the better. My advice to him is to study computer science and finance for graduate students.
It can be seen that there is a great demand for compound talents in finance and information technology, and global financial institutions are eager for financial technology talents. China Bank of Communications plans to increase the proportion of financial science and technology talents in the bank from the current 5% to more than 10%, and the financial major is no longer a good major for carp to jump the dragon gate.
Before, a large number of financial graduates entered the coding positions of basic departments of banks, tellers, lobby managers, credit analysts and so on. After 2020, the demand for these jobs will drop rapidly. The middle and senior positions of banks have long been occupied by American Ivy League universities and head universities such as Tsinghua, Peking University and Fudan University. A child from a second-and third-tier family who graduated from an ordinary university majoring in finance is likely to face the prospect of throwing stones at his own future.
So should we consider this major now? Think about it. Of course you will say, teacher, is there no solution? There will be.
And if you are interested, because when we volunteer to fill in one-on-one, you will come to an enterprise like Suzhou for internship and study, and we will also give you special docking with many financial enterprises.
We will lead you to the securities industry. In fact, the securities industry is a leading employment organization in the financial industry, so we will take you to soochow securities. Including banks, we will also show you some banks, such as Dongshahu Fund Town, and we will also show you Fund Town. Then you know that what Teacher Zhang told you today was not a joke.