Banking - what is this profession? Where are they studying banking?

Today there is a very fashionable and prestigious specialty - banking. What is this profession? Let's try to understand the actual issue.

Description of profession

The meaning of the word has Italian roots. "Banker" from the word banco - "table", respectively, the banker is the person who works at the table. But today it is a multifaceted specialist, it is distinguished by propensity to forecast. He also has an analytical mind.

Currently, specialists in bankingincredibly in demand. Therefore, it is relatively easy for them to find a job. They are waiting for investment organizations, financial institutions, credit organizations, exchanges, insurance companies, etc.

Work in a bank depends on what positionoccupies the employee. For example, a specialist in a financial institution will be engaged in advising clients, analyzing indicators, forecasting, etc.

Many large banks in their structure can have up to 10 units with certain functions. The key areas are:

• crediting;
• investment activities;
• operating activities;
• Treasury Department.

Banking is a profession that requires the ultimatemindfulness and responsibility. The tasks of a specialist depend on the place of work. That is, the bank specialist will work with the clients' cash. In his duties will include control over the issuance and repayment of loans, the issuance and exchange of plastic cards, etc.

The history of the profession

Speaking about the fact that banking is a profession,description should start with its ancient origin. A number of sources claim that it originated when there was Babylon, that is, in the 7th century BC. Then there were usurers. Moreover, already then bank notes were used - gudu. They were just as valuable as gold.

Ancient Greece also has put a hand to developmentbanking. In the country worked changers, or trapezites. Their job was to exchange coins, store money. Ancient Greece - the first country where they began to carry out settlement and cash services by writing off and crediting money to customers' accounts. Loans also originate from Ancient Greece: the temples provided funds from their depositories.

A specialist in banking is a profession,formed relatively recently. In Russia such activities were carried out by moneylenders. But when banks appeared that became intermediaries in large cash transactions, there was a need for workers. They had to be able to accurately handle payments, loans and loans. Therefore, a new profession arose-a banker acting as an intermediary and operator of the credit system. Specialization "banking" began to develop. What kind of profession is this, we will now analyze.

The Importance of Banking

Banking is a profession that todayis of great importance. So, skilled workers are necessary. Any economically developed country is not able to flourish without specialists who are able to establish this mechanism - the implementation of monetary transactions both inside and outside the state.

Where can a banker work?

Getting acquainted with the banking business, almost everyone asks the question: "And where else can I work, having received this education?" Are there any professions connected with the banking business? "

Undoubtedly, the classical financial operation -crediting. However, there are a number of other areas of banking. Most financial institutions perform different operations, carry out maintenance of various segments of customers. Which departments of any organization can not do without bankers:

• investment;
• credit;
• valuable papers;
• operating;
• stock;
• legal;
• reporting;
• marketing, etc.

The list goes on and on. In each department there are functions that can be performed by a specialist in banking. He can also find himself in insurance. Almost everywhere you need a person who knows banking. "What kind of profession, where to work?" - after the end of the institute such questions will not arise.

Pros and cons of banking

Like all professions, banking has both advantages and disadvantages.

The advantages include:

1. Stability. Despite the fact that the market is unpredictable today, commercial banks will always be in demand.
2. Fast career takeoff. If the banker has a desire to achieve high results, he will cling to any opportunity: to undertake difficult tasks, to stay at work during off hours.
3. Competitive remuneration.
4. In most banks, a system of labor incentives is developed (bonus, bonus).
5. Many banks pay voluntary health insurance for employees.

Disadvantages:

1. A high degree of responsibility, which is always present.
2. There is no right to make a mistake.
3. The work schedule is not standardized.
4. At the beginning of the work path, work seems monotonous and monotonous.
5. Beginners have a small salary.

Where do they study banking?

What is this profession? What should I take? Where is this taught at all?

In Russia today there are many profileuniversities with economic or financial faculties. Classical education future bankers will be able to receive, for example, at Moscow State University, MGIMO, the Finance University under the Government of the Russian Federation, the Higher School of Economics or REA. These are the best and famous universities of our country. But besides them there are many more good, worthy universities.

To find a job in banking or financeorganization, should receive an education in the specialty "Economics". In addition, it will not be superfluous to finish a magistracy in the specialty "Finance and Credit".

After completing his studies in bankingbusiness ", you get a complex of knowledge in the field of financial circulation, standard operations, economic forecasting, accounting .The mandatory program also includes studying the nature and functioning of credit operations, etc.

Who is ready to become a specialist in banking?

A specialist in banking can be people withgood mathematical abilities and analytical mind. The person who is engaged in this business, is able to spread all out on shelves, then to analyze and systematize the received information. It is necessary to be always focused and pay much attention to detail. Of course, the economic discipline should be loved by a person who knows banking. What is this profession without interest in the economy? In addition, the banker usually has a good memory and has the desire to bring all the ends.

Also, a person who is preparing to become an expertbanking, should be a professional and have healthy ambitions. Often, these qualities are the main trump card when hiring. Purposefulness is also strongly welcomed, because every day there will be difficulties. The worker must be able to overcome them and want to move on.

When a young specialist is recruited, almosthe always undergoes a small course of study. Therefore, it is necessary to be trained, to strive for new knowledge. Some banks, by the way, after the training conduct an examination and only after that decide whether or not to take a specialist to work in the bank.

Career

The starting point for successful professional growth is the higher profile (economic) education.

Banking career usually begins with such positions as:

• customer service officer;
• assistant accountant;
• clerk, etc.

As a rule, a novice specialist has a lowwage. At the same time, it is possible to go up the career ladder. But for this you need to put some effort. To become a mid-level manager, it may take just one year. If the employee has certain abilities and aspirations, he can receive the post of the head of the branch, deputy head, director of the bank.