The first part: 3000 words selected from the model essay on career planning of financial college students Part I: Preface.
From the moment we entered the university, our life goal changed from struggling for a passionate dream in June to storing enough theoretical knowledge and practical experience for our future career. However, the colorful university life and the binding changes of parents and teachers often make us lose our way when we first enter the ivory tower. The university life is so muddled that we are at a loss when we leave the school four years later.
"A ship without a goal can never reach the other side of success." Career planning allows us to define our future career goals, restrain ourselves at all times with the requirements of achieving this goal, and give ourselves the motivation to seek more professional knowledge and rich experience. Career planning also gives you a corresponding plan for your four-year college life. At each stage, what should you do to prevent precious college time from being wasted, so that college students will be more enriched. Correct and reasonable career planning is the guarantee of having a good job when entering the workplace in the future. It can even be said that a successful career plan is a person's life plan and the foundation of a brilliant life.
Therefore, it is of great significance for college students to plan their future careers in detail.
Second, self-analysis.
"If you eat hard, you are a master." This is the first famous saying my father taught me, and it is also the belief that accompanied me to overcome the difficulties of growth managers again and again. No matter how big the storm is, I can persist as long as I have the courage not to be afraid of difficulties and the courage to fight for my ideals. In my opinion, the meaning of life lies in constantly creating value for society and others. Everyone is a member of society. Since childhood, we have absorbed too much nutrition from society. Therefore, we should repay the society when we can. Even if you only contribute to the construction of society, it is also the embodiment of your survival significance.
I have a deep love for finance, and I can study with great enthusiasm in this major.
Third, professional employment direction and prospect analysis
My major now is finance, mainly studying how to allocate scarce resources across periods under uncertain conditions. It mainly trains senior professionals who have basic knowledge of financial insurance theory and master financial insurance business technology, can analyze financial insurance activities and handle financial insurance business by using general methods of economics, have certain comprehensive judgment and innovation ability, and can work in central banks, commercial banks, policy banks, securities companies, life insurance companies, property insurance companies, reinsurance companies, trust and investment companies, financial leasing companies, financial asset companies, group finance companies, investment fund companies and financial education departments.
The employment direction of finance major is mainly:
(1) 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.
(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) Central Bank (People's Bank of China), China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission, which are financial regulatory agencies.
(7) Policy banks such as China Development Bank and China Agricultural Development Bank.
(eight) social security fund management center or social security bureau, usually in the direction of insurance.
(nine) government administrative agencies in the sequence of national civil servants, such as finance, auditing, customs and other departments; 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.
The financial crisis sweeping the world now, I think it is both a challenge and an opportunity for people in finance and related disciplines. Although as we all know, countless big banks on Wall Street in the United States were rarely spared in this financial crisis, resulting in many people who used to have high salaries now losing their jobs. However, you may have overlooked this problem. Every economic crisis is first perceived and influenced by finance, and the first one to get out of the crisis and recover quickly is the financial industry. At that time, it is urgent to learn from this crisis and establish a more perfect financial system, which requires a lot of talents. So I think that the next few years will still be an opportunity for financial scholars to show their talents. Moreover, as long as you have enough knowledge and practice reserves to cultivate yourself into the talents needed by society, you will make a difference no matter what the situation is.
Fourth, career analysis.
Personal career choice:
(1) Investment planners of financial companies and financial investment holding companies of large enterprises.
(2) Members of China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission.
(3) representatives of the securities department of a listed joint-stock company
Reason for selection: SWOT analysis
First of all, from my personal factors, I have a strong analytical and understanding ability and am good at analyzing and thinking. All the occupations I choose need profound insight and rigorous thinking ability, which is an advantage. These majors are closely related to finance (that is, my major). Through the cultivation of sufficient knowledge and ability in college or post-graduate stage, I have stronger competitive strength with other non-professional job seekers.
Secondly, the occupation I choose seems to be an upper-middle-income occupation in society at present, which requires high quality and ability of employees. Therefore, it is good for me to always restrain myself with higher requirements in college life and study and be a talented person needed by society.
Finally, from the analysis of the labor market of my chosen occupation, China is in the primary stage of socialism and implements a financial system of separate operation and supervision. Under the circumstances that the market economy is not yet mature and the market system and mechanism are not perfect, especially in the face of the challenges brought by China's accession to the WTO, financial institutions have the need to expand their business both inside and outside. At present, the institutional framework of separate operation is difficult to change. Through the organizational form of financial holding company, we can not only enjoy the benefits of comprehensive operation to a certain extent, but also form a "firewall" between financial businesses, thus effectively controlling risks. Therefore, in this process, the country is bound to need better and more professional talents, and enterprises need professionals who can bring huge benefits to their investment and securities if they want to stand out in the fierce market competition. So these occupations have a large labor market.
The work of investment planners of finance companies and financial investment holding companies in large enterprises: grasp market trends, communicate closely with internal departments of the company, formulate accurate investment plans according to market trends, and determine investment principles, investment scope and investment strategies; Prepare the trust plan property report. To be competent for this job, you need careful thinking and thorough analysis, as well as a foresight of the market. Of course, first of all, you should have financial expertise and other economic and investment knowledge.
The gap with the goal of career choice: I am only a freshman now, and my understanding of finance is exactly one semester, because I transferred to the finance department in the second half of the semester. Therefore, my knowledge and ability are still far from my goal, and I need to work harder, but I believe that as long as I make persistent efforts with my dreams and realize them, I can do it.
Verb (abbreviation for verb) study plan for the next three years
Sophomore: Last semester, I mainly made up the professional courses before I changed my major, so that I could be at the same level as other students majoring in finance. At the same time, we should not just memorize, but remember through understanding and gradually acquire more knowledge. Next semester, when the elective courses are basically completed, I will concentrate on preparing for the CET-4.
Junior year: it is mainly the learning stage of highly professional courses. At this stage, we should pay attention to applying the theoretical knowledge we have learned to practice, pay attention to the domestic and international economic and financial situation that is happening around us, write some simple analysis on financial investment plans, and communicate with teachers in time. Please point out the shortcomings and constantly correct yourself. In addition, during my junior year, I will also have internship opportunities in some financial institutions during the winter and summer vacations. Even if you do some simple work, you can have a preliminary understanding of your future working environment and content. Summarize what necessary qualities and abilities you should have during your internship.
Senior year: In the year of graduation, the courses offered by the school will be reduced, mainly the preparation of graduation thesis. Moreover, my current plan is to take an examination of the finance graduate students of the National People's Congress, because there is a certain gap between the teaching level of the National People's Congress and the National People's Congress. Therefore, in the first year of my senior year, I will not rush to find a job, but study harder. However, while studying, I will actively seek internship opportunities in order to accumulate more work experience.
This is the main study plan at school. In the next three years, I will use the campus to be close to universities with top finance professors, such as NPC University and Peking University, and take classes in my spare time to accumulate more professional knowledge. And I will try my best to communicate with those professors and try to become friends with them, which will definitely play a great role in my future development. At the same time, establish your own social circle, let different ideas collide in the process of interacting with friends, and sum up new ideas and experiences.
My career goals have very high requirements for the employed, whether it is academic qualifications or ability, so I may not be able to realize my career ideals after finishing graduate school. My initial plan is to find a relatively basic job in a finance company, spend two years understanding the basic financial operation of the company, accumulate enough experience, and then move towards my goal.
Conclusion of intransitive verbs
The one-semester career planning course is coming to an end. Teacher Zhou asked me to make a profound and clear plan for my future. I suddenly know what I want to do and what kind of person I want to be in a very short time. Although I am just an ordinary girl in an ordinary family now, I will carry the sentence that I have kept in my heart since I was a child: Only after suffering can you become a master. Always strive for your career goals. Sunshine always comes after a storm. I believe that "the sword front comes from sharpening, and the plum blossom fragrance comes from bitter cold". After four years or more efforts, my future is clear!
Chapter II: A 3000-word model essay on career planning for financial college students According to the analysis of the China Industrial Financial Market Foresight and Investment Strategic Planning Report issued by Forward-looking Industry Research Institute, the financial industry is a traditional industry, and it is also a developing industry in China, which is closely related to our lives. First of all, people from all walks of life need financing. Whether it is long-term or short-term capital demand, domestic or overseas cash demand, immediate or long-term capital demand, the financial industry can meet these needs. Secondly, an enterprise or individual who earns a little money needs a place to store or use his money, and the financial industry can meet this demand. Moreover, with the opening of China's financial industry, the entry of foreign banks and the reform of domestic financial mechanism, private financial institutions and insurance institutions will also increase. The financial industry has a good development prospect in China, and students with better financial education will have many development opportunities.
First, nine types of financial talent demand:
At present, there is a great demand for financial talents in the domestic financial market, especially nine categories of talents, such as financial analysts, financial engineers, chartered wealth managers, fund managers, actuaries, senior executives of vice presidents, audit supervisors, product developers and backstage staff (with rich experience in finance, settlement and taxation).
Financial Analyst (CFA): In developed countries and regions such as Europe and America, obtaining CFA qualification is almost a necessary condition for entering the investment field. So far, only X million people in the world have passed the exam, while in Chinese mainland, there are about 50 people with this qualification, and the demand for CFA will exceed xx people in the next three years.
Financial engineer: pay attention to the operability of financial market transactions and financial instruments, apply the latest scientific and technological means and large-scale processing methods (engineering methods) to the financial market, create new financial products and trading methods, and win profits, avoid risks or improve services for financial market participants.
Chartered wealth manager: more than 5 years working experience in financial institutions, good economic foundation and proficient in at least two investment fields, with high requirements that few people can pass.
Investment management talents: the market is in urgent need of a large number of investment management talents, mainly including venture capital talents, financial leasing talents, financial business representatives, personal investment consultants, etc.
Auditor-in-charge: Those who have the ability are willing to change jobs only if their salary can be 30% to 40% higher than before.
Two, the financial industry qualification certificate and examination
1. Securities qualification certificate: This is an entry certificate and a necessary certificate for entering the securities industry. * * * Test five subjects: foundation, transaction, issuance and underwriting, technical analysis and fund.
2. Futures qualification certificate: Like the securities qualification certificate, it is also a necessary certificate for entry. You can apply for a high school education or above, and you can take the basic and legal subjects. Financial futures will be launched soon, and all futures talents should become hot.
3. Insurance intermediary qualification examination: it can be divided into (1) insurance agent qualification examination; (2) Qualification examination for insurance brokers and insurance adjusters.
4. Personal FinancialAdvisor is also called financial planner, financial planner, financial advisor, etc. Their main responsibility is to provide customers with suggestions on purchasing financial products suitable for their needs according to their short-term and long-term financial needs and financial situation.
5. Financial investment analysts are also called FinancialAnalyst, securities analysts or investment analysts. They generally work in banks, insurance companies, fund companies, securities companies and other financial institutions to help these companies or corporate clients make rational investment decisions.
CFA is the abbreviation of "CharteredFinancialAnalyst", also known as "Chartered Financial Analyst". It is a professional qualification title in the field of securities investment and management, which was founded by the American Institute of Certified Financial Analysts (ICFA).
CFA certificate, known as "the first test of global finance", is a professional qualification certification in the field of securities investment and management. Founded on 1963 by American Investment Management and Research Association (now CFAINSTITUTE). It is the largest professional examination in the world at present, and it is also a necessary certificate for investment and analysis practitioners in American and even global heavyweight financial institutions. In view of the formality, professionalism and authority of CFA exam, its qualification is widely recognized in the global financial field, and it is a passport to enter the banking, investment and securities industries, and is dubbed as "the entrance ticket to Wall Street".
CFA exam focuses on the theory of investment and financial analysis, which is more suitable for researchers and investment managers of financial institutions and doctors or masters in finance. CFA qualification is granted to a wide range of professionals in various investment fields, including fund managers, securities analysts, chief financial officers, investment consultants, investment bankers and traders. CFA requires the holder to establish a strict and extensive financial knowledge system and master the theoretical and practical knowledge in all core areas of the financial investment industry, including portfolio management, financial asset valuation, derivative securities, fixed-income securities, quantitative analysis and so on.
CFA exam covers professional ethics, mathematical statistics, economics, financial statement analysis, enterprise financing, securities market analysis, stock investment analysis, financial derivative product analysis, alternative financial product analysis, real estate investment analysis, investment company analysis, currency or foreign exchange transaction investment analysis, fund management and fund income calculation and statistics. CFA holders are required to have a bachelor's degree or above, obtain a bachelor's degree or above, have more than four years' experience in financial investment recognized by CFA Institute, pass the 6-hour examination at Level 3, totaling 18 hours, and abide by CFA Institute's professional ethics and code of professional conduct. At present, about 654.38+million people in the world have passed all the Level 3 examinations and obtained the qualification of Chartered Financial Analyst (CFA). CFA holders are distributed in more than 120 countries and regions, among which there are more than 8,000 CFA holders in Canada.
6. Introduction to 6.CIIA exam.
Certified International Investment Analyst (CIIA) exam is an advanced international certification qualification exam tailored by the Association of Certified International Investment Analysts (ACIIA) for practitioners in the fields of finance and investment. Those who have passed the CIIA exam can be awarded the CIIA title by the International Association of Certified Investment Analysts if they have more than three years of relevant working experience in financial analysis, asset management and/or investment. Since the official launch of the 2006 54 38+0 CIIA exam, more than 5,000 people around the world have taken the final exam, and more than 2,800 professionals have been awarded the title of CIIA. Driven by various regional and national/regional associations, CIIA will attract more professionals' reference and expand its international influence; A broader global CIIA alliance will also be gradually formed.
7.CFP (International Financial Planner): CFP certificate is the most authoritative personal financial professional qualification certificate in the field of global financial services. CFP certificate is issued by CFP Standards Committee in the United States, and in Canada, it is issued by Canadian Financial Planning Standards Committee authorized by American Association. CFP, a chartered financial planner, is the only professional qualified person in the financial management industry who has been certified and recognized by international authoritative organizations including banks, investment companies, insurance companies and other financial and tax circles. CFP certificate is authorized and managed by CFP International Association in the United States, Canada, Britain, Germany, France, Italy, Switzerland, Japan and other parts of the world, and it is the highest honor in the international financial planning industry. CFP certificate is the identification of financial experts.
CFP is a financial planner who is responsible for managing clients' funds. According to customers' asset status and risk preference, it takes customers' needs and goals as the center, takes "helping customers" as the core concept, and adopts a set of standardized models to provide comprehensive financial advice covering all aspects of customers' lives, so as to find the most suitable financial management methods for customers, including investment, insurance, taxation and asset transfer, so as to ensure the preservation and appreciation of their assets. ()
To qualify as a CFP chartered financial planner, you must have four "E's" all over the world, namely, education, experience, examination and ethics. The first "e" (education): education and training-As a CFP, you must have cross-industry knowledge, including financial planning, investment, insurance, taxation, retirement plan and employee benefits, and you must have a clear understanding and grasp of domestic and foreign laws and regulations. The second "e" (exam): You must successfully pass the extremely strict national unified CFP professional exam, and the CFP exam is compulsory elimination. The Canadian exam mainly involves 65,438+006 professional knowledge topics, such as financial management process, cash and budget planning, modern financial investment theory and investment product planning, tax planning, retirement planning, employee welfare, risk management and insurance product planning, inheritance planning and job security. The third "e" (experience): applicants who pass the national unified examination require at least three years of financial planning and related work experience, and those who directly take the national examination such as doctor of finance and pass it require at least three years of relevant work experience. The fourth "E" (professional norms): the certificate applicant signs and agrees to abide by the provisions and requirements of the fourth "E" (professional norms xx). Ensure that CFP abides by professional xx standards in professional services, and is fair and customer-oriented.
In addition, every CFP chartered financial planner must receive 30 hours or more of recognized financial course training and examination every year for life, and the license can only pass the annual examination if it does not violate professional ethics.
8. Actuaries: Actuaries are scarce resources in China. Due to the cost of employing actuaries and international practice, the internal and external salaries are different. For example, Ping An Insurance Company, the most expensive actuary in China, is estimated to be at least RMB 3 million per year, while domestic actuaries are only RMB 500,000-600,000.
Actuaries are professionals who use actuarial methods and techniques to solve economic problems. The traditional work field of actuaries is commercial insurance, mainly engaged in product development, liability reserve accounting, profit source analysis and dynamic solvency testing.
199 July 16, China held its first actuarial qualification examination. The examination is divided into two parts: quasi-actuary and actuary. Candidates who pass all nine courses will be eligible to become quasi-actuaries. Candidates who have obtained the qualification of quasi-actuary can pass five actuarial courses and meet the relevant actuarial professional training requirements, and only after passing the defense can they obtain the Qualification Certificate of Actuary Examination.
At present, X students in China have obtained the qualification of quasi-actuary. It is understood that there are only more than 30 actuarial professionals in Shanghai 10 life insurance companies, which is far from meeting the needs of the development of the insurance industry. Experts believe that one of the problems in the development of actuaries in China is whether they can hire actuaries with high salaries. In addition, actuaries should pay more attention to the maintenance of professional standards while using the existing conditions to improve their skills.
The attraction of actuaries lies in their high social status. Some people say that there are only two actuaries in China according to British standards, but according to the list of American Actuaries Association, there are no qualified actuaries in China. In fact, there are some actuaries with different qualifications in China, but the overall level still needs to be strengthened. It is predicted that xx actuarial talents will be urgently needed in China in the next five years.
Chapter 3: Selected essays on career planning of financial and economic college students (3,000 words) 1. Preface.
Everything is established in advance, and it is abolished if it is not foreseen. A planned life is a good life. This semester, through the study and career planning practice of college students' career planning course for one semester, I understand that career is a continuous process of all career-related behaviors and activities, as well as related attitudes, values and aspirations, and it is also a process of career, position change and work ideal realization in one's life. Simply put, a career is a person's life-long work experience. For everyone, career is limited, and life and time will be wasted without effective planning. As a contemporary college student, how can we meet the needs of society and make a place for ourselves when we step into this crowded society with a blank face? Therefore, I strive to draw up my career plan and design my future. With a goal, there will be motivation.
If you have ambition, you will live for a hundred years. I will enter the second year of high school in a blink of an eye. On the edge of the 20-year-old annual ring, I will stop and wait. Electronics and networks are overwhelming, knowledge and information are developing rapidly, waves of science and technology are emerging one after another, the competition for talents is becoming increasingly fierce, and all kinds of people are competing to appear. I can't help sighing that the world is changing so fast. Many people have asked themselves this question: "How should the road of life go?" I remember a philosopher saying, "Take every step, this is your life." Yes, the road of life is very long, because that is the interpretation of your life meaning; The road of life is short, because every day you spend is your life. Everyone is planning his life and realizing his dream: the dream is a hundred flowers garden, and I am just a grass in the garden, but the grass also has a big ideal, even if it is so humble. ...
Second, self-analysis.
Advantages: My inner world is warm and rich, soft and sensitive. I love art and human things, have deep love and sympathy for all people in the world, care about society, and have patience and love especially when I get along with children and teenagers. Like lively, good to people, extensive and good interpersonal relationships. I seem to have endless words with like-minded people, even if it is the first time we meet. I pay attention to the expression of personal advantages, have an aestheticism tendency, and also know how to use my own expression ability. I like to use words, sounds, colors and other forms to render and express my creativity and good feelings.
I usually communicate and cooperate with people with a positive attitude, and I am good at observing other people's emotional reactions, ideological changes and other details. Pay attention to the construction and maintenance of collective atmosphere, and emphasize the promotion of collective cohesion and centripetal force; I don't like being caught in the arrangement of specific affairs and strict supervision, and I don't like being managed by others. But I can enjoy myself properly in the norms, and I don't pay attention to accuracy and efficiency. I regard interpersonal harmony as the most important and beautiful thing.
Disadvantages: At the same time, I also have many shortcomings. I don't like dealing with machines, tools and equipment, and I'm not interested in these aspects. Therefore, in the process of career planning, I have to avoid the development direction of the engineering field that deals with machines in particular. Similarly, I don't like the development field that requires physical input and practical work. Sometimes we only consider the superficial phenomena of things and ignore the internal logical connection and deep essence of things, paying too much attention to the present and lacking foresight. There will be a lack of long-term planning in the process of completing the task, and it is difficult to complete the task on time. So I must learn to plan and plan, and always consider the problem from the perspective of long-term development, instead of just staring at the present. I don't want to risk breaking the harmonious relationship with others in order to stick to my own ideas and positions. I trust others easily, seldom doubt their motives, and find no hidden meaning behind their actions. I don't want to criticize others and refuse their demands, which may lead me to be overwhelmed by pressure from all sides. So I learned to doubt and challenge other people's opinions, deeply analyze external information, learn to treat others more boldly and directly, and learn to speak. I have some difficulties in making a decision, especially when it conflicts with my own feelings. Therefore, you need to collect more information, listen to other people's opinions and practice using rational decision-making methods. I will be angry or discouraged by other people's criticism, and sometimes it is easy to blame myself too much. We should treat others' criticism correctly and learn to decompress ourselves. I don't like too many rules, and I don't like machines with too complicated structures. Therefore, I need to think carefully when choosing a career.
Third, career planning.
My immediate goal is: I can join the Party 20xx months ago, get good grades in my studies, and exercise at school to improve my comprehensive ability.
My medium-term goal is to enter the bank and find a suitable job.
My long-term goal is: to be a senior certified public accountant, to be the chief accountant of a bank, and to open a theme shop that interests me after work.
Fourth, the specific implementation methods
1, sophomore: study harder and try to get a scholarship. Participate in various activities, run for the student union, and exercise your courage in the student union. But the most important thing is that I passed the CET-2 and CET-4 last semester, and taught myself, and got the qualification certificate of accounting and the certificate of accounting computerization in my sophomore year. Senior two passed CET-6 next semester and entered the order class.
Junior year: Try to join the Party, read more professional-related knowledge, expand your professional knowledge, not only what the school teaches, but also try to get the exam books.
2. In daily study and life: study professional knowledge seriously, hunt for other knowledge, and let your thoughts keep up with the progress of the times. Recite 20 words every day, and do a general review once a week on weekends to understand your professional needs and work hard for them.
In work activities: Take part in some collective and social practice activities, cultivate your abilities in all aspects, so as to exercise yourself and overcome your disadvantages.
In professional study: take part in some collective and social practice activities, cultivate your abilities in all aspects, so as to exercise yourself and overcome your shortcomings of extroversion and poor communication skills.
In self-thinking: always encourage yourself, alert yourself with practice, stick to the plan, and make good arrangements and adjustments.
Verb (abbreviation of verb) abstract
It is better to sit and write than to walk standing. The most useless thing is to be exposed to the sun for one day and cold for ten days, which is always expensive. Why do you sleep at night and get up at five? For my future and my dream, I will continue to work hard for it. Although the road may not be smooth sailing according to my plan, the thorns ahead will not be my obstacle. For yourself, for the dream in your heart, come on