Specialty finance and credit who can work. Brief description of the specialty. General idea of ​​the specialty

Financial flow management and spending planning are the main activities of a financier. To obtain this profession, it is necessary to have a strategist's thinking, sharpness of attention, endurance, diligence and a mathematical mindset. Being able to manage money, keep abreast of all financial news and, if possible, insure against inflation are also important skills for professionals of this level.

"Finance and credit" specialty - what exams to take

• Mathematics (general level);
• Social studies (subject of the institute's choice);
• Russian language;
• Foreign language.

The minimum passing score is from 235. "Finance and credit" specialty code - "OKSO 080105". The form of education is provided, both stationary and part-time. The terms of study are 5 years. After graduation, the student will have the qualification of an economist specializing in Finance and Credit.

"Finance and credit" specialty - universities

1. Institute of International economic ties;
2. Russian Academy of Economics;
3. graduate School economy;
4. Government Financial University;
5. Economic-humanitarian and information-technological university of the capital;
6. Academy MNEPU .

Specialty "Finance and credit" - disciplines

• Taxation and taxes;
• Finance - municipal and private;
• Market valuable papers;
• Corporate Finance;
• Control investment portfolio and investments;
• Strategic financial management;
• Planning and control financial institutions;
• Risk management;
• labor economics;
• Econometrics;
• Statistics;
• Marketing;
• Accounting analysis and accounting;
• Marketing;
• Insurance business.

Characteristics of the specialty "Finance and Credit"

The work of an economist involves calculations of financial, labor costs in carrying out certain work or in the provision of services. The specialist also economic analysis activities of enterprises, develops, if necessary, a strategy and a savings regime. He organizes the collection and processing of information to perform the necessary planned work. Guiding technicians and engineers in collaborative research is also the responsibility of the economist.

Practice specialty "Finance and Credit"

Future bankers and economists do internships in various municipal or private companies, institutions and banks. Students study the structure of the organization from the inside, get acquainted with the necessary reporting documentation, acquire professional skills. Under the strict guidance of the curator, they have the opportunity to perform various tasks.

If a student shows diligence and responsibility, he acquires valuable knowledge about the functioning of the organization, about the pace of its work and about ways to increase labor efficiency. The student can choose the place of internship independently, or can use the list provided by the university.

Work in the specialty "Finance and Credit"

Decision Profession economic issues, is quite in demand in the labor market of the present time.

"Finance and credit" specialty - where to work

• In research institutes;
• In municipal and private banks;
• in the restaurant and hotel business;
• At enterprises, representatives of large and small businesses;
• V social funds;
• In an insurance company;
• V financial institution;
• V educational institutions as a teacher;
• V tax office;
• At the enterprises of the industrial or agricultural sector;
• In the customs service.

Specialty "Finance and credit" - who to work

• Heads of departments of enterprises;
• Managers;
• business analysts;
• auditors;
• Finance and Accounting Specialists;
• Individual entrepreneurs;
• Marketers;
• Brokers;
• Estimators;
• Traders on the stock exchanges;
• commercial agents;
• Economists-programmers;
• tax inspectors or consultants;
• Supervisors;
• appraisers;
• accountants.

There are many job opportunities for economists. Perhaps the student wants to go to a magistracy or get a second higher education. After all, professional economists are a valuable find for any business or structure. Representatives of this field of activity usually have an average income or above the national average.

Perhaps you will be interested.

Documents for competitive selection for admission to the magistracy are submitted by persons who have received the qualification of a specialist or a bachelor's degree in a similar specialty (specialty). For admission, you must pass a comprehensive profile exam in the subjects that were studied in the bachelor's degree. The exam takes the form of a test or an interview.
The main disciplines are the foundations of economic theory, general management.

How to effectively allocate finances, organize their movement with the expectation that the company receives maximum profit and development opportunities? How to coordinate and control resources not only at the enterprise level, but also at the state level? If theoretical basis and some practical skills for understanding these issues were laid down during the previous years of study in the bachelor's degree in financial and economic direction, then the master's program will help to understand them in more detail. And not just to understand, but to learn how to manage the financial flows of the organization, taking into account the prospects, use world experience and proven methods.

Brief description of the specialty

If you have already received a basic education, have a complex analytical mind and a desire to develop your horizons in the field of global financial and economic trends, studying in a master's program will allow you to achieve these goals. After graduating from an educational institution, broad-based specialists in the field of economics and financial management are able to understand economic problems and offer a solution both within the enterprise and across the country. Graduates in economics receive systemic knowledge in the field of banking, taxation, consulting, and monetary relations.

Benefits of a Master's Degree

For two years of study, many universities focus on the study of economics and financial management processes in developing countries, while undergraduate studies do not deal with these issues in such depth. The knowledge gained in the process of master's education will help you get a more prestigious and highly paid job in domestic and international companies in the financial and banking sector, insurance and customs services, and other organizations. Not just an educated specialist appears on the labor market, but an analyst who can draw conclusions based on the information received and direct the company in the right economic direction.

Major universities in Moscow

• Russian State Social University;
• Eurasian Open Institute;
• University of the Academy of Education of the Russian Federation;
• Moscow Financial and Industrial University "Synergy";
• Russian Economic University. V.G. Plekhanov;
• other metropolitan institutions of III-IV levels of accreditation.

Terms and forms of training

Most institutions offer a two-year full-time program. For those who do not want to break away from their main work, in some universities you can get a master's degree, studying in absentia or in a mixed part-time also for two years.

Subjects studied by students

The master's program includes special disciplines in the following areas:

• financial analytics (at a high level);
• methodology for analyzing the activities of enterprises;
• ways of regulating the economy with the help of monetary levers;
• actual existing problems of finance;
• application information technologies in economics;
• development financial policy companies;
• banking financial management;
• many other items.

Acquired knowledge and skills

A master's degree graduate acquires professional skills in the field of monetary relations, financial management of an enterprise, studies the organization of the activities of economic entities, learns to plan and work with information in the field of global and domestic financial systems. Among the practical tasks that the master should be able to solve:

• analyze the current financial condition companies, predict and strategically plan the development of the situation;
• evaluate a business;
• simulate economic processes in a separate structure;
• be able to manage the organization in a crisis situation;
• apply new technologies that have proven themselves well in other organizations.

Profession: where and by whom to work?

The master's program trains specialists in the field of economic and financial affairs, who will be able to work both in small enterprises and in large international corporations. For holders of a master's degree in the specialty "Finance and Credit" the doors are open:

• banking institutions,
• brokerage and insurance companies,
• audit departments,
• tax,
• analytical services of various enterprises and corporations.

After receiving a diploma, a graduate will be able to conduct not only practical activities, but also apply himself as an analyst, engage in scientific research or teaching work. Minimum wage for specialists it starts from 40,000 rubles and can be much higher.

Such a specialist will be in demand in the following positions:

• manager and analyst in the field of finance;
• director of the company for finance;
• head of department in an insurance, investment, brokerage firm;
• specialist in a consulting agency or research organization,
• teacher in an educational institution;
• other work related to the organization and financial support of commercial structures.

Continuing education in the specialty

For those who are ready to devote themselves to theoretical developments or practical implementation of new methods of analysis, management and optimization of financial flows, some schools offer postgraduate studies. The choice of topic and training plan are developed on an individual basis.

After five years of study in the specialty " finance and credit» who can work? Graduates are well aware of what they will have to face and in what area to work, but they cannot name a specific position. Internship helps to clarify the situation somewhat and get a general idea of ​​​​the future specialty. But not all universities have the opportunity to arrange a full-fledged practice in a normal company.

General idea of ​​the specialty.

Now you finance specialist and the doors of all the offices that are looking for an economist on their staff are open before you. You will have to work with funds - analyze expenses and incomes, withdraw and predict profits for the future.

Keep in mind that during accounting you will have to analyze the cost of goods and objects in order to more accurately assess the current situation and predict the dynamics of changes. But the level of duties, responsibilities and your own income depends on the degree of qualification.

It is clear that yesterday's graduate will not be trusted with analytics and forecasting. Some work experience and qualifications required.

Six places where you can safely carry documents.

In what structures can a holder of a diploma in majors in finance and credit?

1. Banks. Any such institution will be happy to have a qualified specialist. Do not think that you will have to start with the position of a cashier, graduates with higher education are valued somewhat higher.
2. audit companies. Reporting will require some knowledge of accounting, but you can take almost any position.
3. State organizations. Almost all finance-related structures are interested in your work. Starting out tax service and ending with the Treasury.
4. Insurance companies.
5. Investment funds.
6. Private business enterprises.

Insurance business and investment issues.

The last two are worth mentioning in more detail. It was the collapse of insurance companies in 2008 that caused the global financial crisis, but you should not distrust all organizations of this profile because of this event.

There are a number of large corporations in Russia, there is no one monopolist in the entire market. So there are always job opportunities, thanks to competition and the rapid growth of firms.

For investment funds you are a welcome guest. But you can get some real benefit only if you cope with the position of a financial analyst. Before sending your resume, carefully compare your capabilities and the desired position, if the requirements are too high - choose another one, your diploma allows it.

5 in-demand professions for graduates.

A who will have to work in these structures? Here is an incomplete list:

1. Financier and financial manager.
2. Analyst.
3. Trader.
4. Control officer.
5. Accountant.

The first option is suitable for employees of private enterprises, initially you have to work ordinary financier, but after a few years you can count on the position of head of department or financial manager. This best option, because you do not need to use the maximum of your knowledge and skills.

But career prospects and financial well-being are very good, you just need to endure the first few years and join the team.

If you have ambition, improve your skill level and aim for the opportunity to apply for position of analyst. Relations with superiors will not particularly affect the speed of progress, you will most likely have to look for a new one workplace. It just so happened that not all companies have the desired position, it is more typical for large corporations or organizations with a narrow specialization.

Own business or related specialties?

Workers who have reached the pinnacle of skill will suit the role trader. It is foolish to go to a brokerage house and look for a vacancy there when you can make a profit on your own.

It will take some start-up capital, but it should already be assembled long ago if you decide to go "free floating". No one can guarantee permanent profits and reliability here, playing on the stock exchange is fraught with losses and long-term crises as a result of making the wrong decisions. But even a few years of fruitful work can significantly help in solving the financial issue of the whole family for the coming years.

If you couldn’t find a more interesting and profitable specialty, you can always get a job as an accountant for any enterprise. With the prospect of taking the place of chief accountant in the future.

We would not advise you to stay in this chair for a long time, because if you work not quite in your main specialty and within a few years you will lose all your skills. This can be justified if there are good prospects, high wages, personal interest. The absence of other offers is not the reason. Better to start a career work as a financier.

Decide for yourself whether it is worth graduating from "finance and credit", you already know who you can work with. The knowledge gained during training can help with opening your own business, because the correct distribution of funds is important in any industry.

Video about the specialty "Finance and Credit"

Many people are concerned about the question of how to choose a specialty. "Finance and credit", "Accounting", "Jurisprudence", "Philology", "Insurance business" - the choice is so huge that the applicant sometimes gets confused and cannot decide.

This question torments not only young men and women embarking on the path of growing up. Many experienced and successful people, professionals in their field, for one reason or another, think about getting a second higher education, raising the level of qualification, confirmation of the diploma.

Why Become a Financial Expert?

The country's economy is constantly undergoing ups and downs, and in order to navigate and respond in time to all changes, it is necessary to have certain knowledge. Choosing the specialty "Finance and Credit" as a profession, the applicant will not lose. This is exactly the opportunity, thanks to which you can always stay on top, not depend on the volatility of macro- and microeconomic indicators. Of course, not every position implies stability and a cloudless future. However, the ability to feel changes will help you take adequate measures in time and not let your career and life take its course.

The right choice of educational institution is the key to the success of a future career

For our country, the study financial institutions, cash flow is a fairly new area. Often universities are not able to present the student with information that corresponds to reality. It is very important that the department, which has the specialty "Finance and Credit" in its list, has the latest educational literature, methods of presentation and discussion of the material, teachers who understand the subtleties of science. It is best when practicing bankers and financiers act as teachers in addition to theorists. Such “business sharks” know firsthand what “Finance and Credit” (specialty) is, who to work with, having chosen such a life path.

Who can work with a diploma in this specialty?

There is an opinion about a limited list of positions for people who have chosen the direction of "Finance and Credit". The specialty (whom to work specifically with, we will consider below), contrary to the misconception of the uninformed, is not limited to the work of a banker. The list of possible positions is quite large and covers different fields of activity.

Finance Specialist

Such a position exists in a company of any level and form of ownership. Cash flow management, communications with other institutions (banks, treasuries, tax authorities), analysis of activities and profitability - all these are the powers of a competent financier.

banking specialist

In an organization like a bank, there are plenty of opportunities to realize your talents and skills. Due to the wide popularity banking products you can find your niche among the population and successfully move up the career ladder in the lending department, insurance department, providing services for making deposits and selling various banking products.

Appraiser

This is a fairly new and specific specialty. Finances and credit (already issued by an entrepreneur or a future loan), assets, the prospects of a single project, businessman, contract or product - all these factors and many others need to be systematized, brought together by the appraiser and, as a result, determine the cost of a particular object or process. To some extent, this is a subjective opinion of a specialist, however, the higher the qualification, professionalism, experience, level of trust in the appraiser, the more clients will listen to him.

Investment Advisor

A consultant is a position that an employee can hold as a full-time specialist or occasional assistant to a manager. Free access to information related to profitable investment funds, foresight and the ability to calculate future events will become a reliable support and basis for successful cooperation with managers largest companies and organizations.

crisis manager

This is a profession that has become the talk of the town, a specialist who will help bring the company out of a dead end. The difficulties faced by many businessmen make them look for ways to save money, optimal solutions for further activities. A competent financier should help in resolving such issues due to knowledge of the movement of funds both within the company and in its external transactions.

Which university issues the diploma of the required sample?

The received diploma confirming knowledge in the field of "Finance and Credit", a specialty (universities of all levels and ranks provide an opportunity to master it), is not just a document indicating graduation from the university. It should become a calling card young specialist who is just trying to get a job. Unfortunately, not all educational institutions can boast of a sufficiently high-quality education system. Many one-day universities graduate in batches of "professionals" who are incapable of solving planned tasks at work. In order not to fall into their number, it is worth joining the ranks of students of time-tested universities. These are not necessarily the most prestigious Moscow establishments; St. Petersburg is also in the top of the best in Russia. State University, Novosibirsk National Research University, National Research University Higher School of Economics and many others. All of them, except for a good basis, have contracts with employers that will help to apply knowledge in work.

How to get your first work experience?

Practice in the specialty "Finance and Credit" does not imply high positions, but it will help you figure out what's what in real life, and not on the pages of a textbook, it will become the foundation and support for your future career.

Specialists of recruiting companies convince that the difficulties in the economy still leave financiers and related positions in the top five most in-demand professions. Young specialists may well expect further growth, but the start of a career begins with the positions of junior assistants, analysts and assistants. Such a “baptism of fire” will allow you to study the investment, securities, lending market and consolidate the theoretical knowledge gained in the course “Finance and Credit”. The specialty (reviews of graduates confirm the data) is promising for those who really have a flexible mind, the ability to quickly navigate and are focused on the result in their work.