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. be able to manage in cash, be aware of all financial news and, if possible, insure against inflation - these are also important skills for professionals of this level.
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.
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.
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 the 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 improve labor efficiency. The student can choose the place of internship independently, or can use the list provided by the university.
Decision Profession economic issues, is quite in demand in the labor market of the present time.
There are many job opportunities for economists. Perhaps the student wants to go to a master's program 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.
We continue the conversation with experts in various fields of law and economics about all the intricacies of preparing students for a specific profile. This time, our questions about the profile of finance and credit were answered by Associate Professor of the Department of Finance and Prices of the PRUE. G.V. Plekhanov, Ph.D. .
ConsultantPlus: Tell us, what is the peculiarity of the "Finance and credit" profile? What prospects does it open to graduates? Who can they work and in what areas will they be able to realize themselves?
DI. Stepanova: A feature of the profile "Finance and Credit" is the universality of the acquired knowledge, it provides a wide range of financial skills needed in modern economic world. Our students receive a broad education that allows them to work in commercial enterprises, in the securities market, in investment companies, in state enterprises as economists, financiers, financial directors, in tax inspections and other government bodies.
The purpose of studying the disciplines of the profile "Finance and Credit" is the assimilation theoretical foundations monetary circulation, finance and credit, as well as the basic principles of the organization and functioning of the financial market and its individual segments: money, credit, currency, stock and insurance.
Training of unique managerial personnel in the field of organization, planning and regulation is provided financial flows at all levels of the economy. This allows graduates to use the acquired knowledge and skills in large, medium and small businesses, create and develop their own business, work in government agencies, and continue their postgraduate studies.
ConsultantPlus: What do you think, what are students most often guided by when choosing a profile: their interest in a particular area of law, its popularity or prospects?
DI. Stepanova: Now students prioritize, first of all, the positions and salaries that they will receive after graduation. Profile "Finance and credit" and a diploma of the Russian Economic University. G.V. Plekhanov allow graduates to hold high positions in leading organizations and receive a very high wages. In market conditions, everyone should have knowledge in the field of finance, so our specialty is always in demand, including in the field of additional education for engineers, managers and other professionals.
There are also students already working in finance or the securities market who understand that they need in-depth knowledge. Thus, the profile is very popular for objective reasons. The profession is in demand, as being a financier is prestigious and promising.
ConsultantPlus: Tell me, after a student chooses a profile, does his education somehow change? Does he begin to study in depth some disciplines, does he lead some scientific work etc.?
DI. Stepanova: Undoubtedly. Students study according to the curriculum, which includes the study of a greater number of financial disciplines compared to other profiles.
The emphasis is on learning international finance, state and municipal finance. Thus, the graduate will be able to work in almost any financial unit at the state, municipal, corporate and other levels. Also, much attention is paid to obtaining practical skills through the organization of business games, solving financial cases, performing laboratory and analytical work. Students write term papers focusing on specific situations financial activities Russian and foreign organizations actively use statistical data from open sources. Many students already in the bachelor's degree begin to conduct scientific research, the results of which they talk about at conferences and in articles published jointly with teachers.
ConsultantPlus: In your opinion, what role does the choice of this profile play for a student in the future? Does this choice affect future employment? Does this choice mean that the future specialist will be able to work only in this area?
DI. Stepanova: Profile selection is very important. Graduates will be able to work not only in Russian structures, but also in international companies and international financial institutions. In the course of training, students develop panoramic financial thinking, combined with practical skills for solving problems of managing comprehensive cash flows based on current theories.
Students with a broad outlook and vision of development directions modern world and economies everywhere will find a good place to work, including in the international financial market.
Much depends on the personal qualities of the graduate. If desired, perseverance, responsible attitude to business, our graduate in any field will be able not only to successfully apply the existing skills, but also in as soon as possible get new ones.
ConsultantPlus: Who, according to your observations, most often chooses the "Finance and credit" profile? Describe these students, what are they like?
DI. Stepanova: As a rule, students with high level intelligence and systems thinking. The ability to see the prospects for the development of certain processes, to have a flexible mind, the skills of conducting discussions, speaking in public are the important qualities that a modern financier should possess. Our student reads a lot, observes a lot, knows a lot and has his own reasoned opinion, is interested in other areas economic life. At present, it is of great importance how confident a person feels in the information field of any nature. Many of our students seek employment and self-realization in the international financial market.
ConsultantPlus: How many students specialize in your department today?
DI. Stepanova: At the moment, the department graduates over 400 graduates per year. The main number of graduates are bachelors of the Faculty of Finance. Also large graduations of bachelors at the faculty of distance learning. In the magistracy in our department - up to 90 graduates per year.
ConsultantPlus: How many graduate students are there in your department? Do students aspire to go to graduate school? What are the prospects for graduate students at your department?
DI. Stepanova: First of all, it should be mentioned that students can enter postgraduate studies after graduating from the master's program. This lengthens the period of study, and not everyone can afford such a long period of knowledge acquisition. At the moment, about 15 graduate students are enrolled in our department. Requirements for graduate students are quite high, entrance exams are difficult. Upon admission, graduate students are interviewed and rigorously selected. Moreover, the requirements for applicants are increasing every year. In addition, an abstract should be prepared on the proposed topic of the dissertation. Often postgraduate students are our students who studied with us in the magistracy and already have experience in writing a master's thesis, know our teachers, are satisfied with the training and willingly continue it. Postgraduate students participate in scientific conferences, are published in scientific journals and collections, study in depth the relevant disciplines.
Graduate students are required to conduct pedagogical work, which helps them when writing a dissertation. Subsequently, many graduate students remain at the department and work as teachers. Many of our teachers have previously completed postgraduate and doctoral studies at the Russian University of Economics. G.V. Plekhanov. The Situational Center for the Socio-Economic Development of Russia and the Regions operates on the basis of the university Russian Federation on a modern information technology base, which provides postgraduate students with high efficiency of scientific work.
ConsultantPlus: Do you have data on how many graduates of your department work in the chosen profile? Perhaps some of them managed to find themselves in other areas, if so, in which ones? Can you name one of your graduates who you are especially proud of?
DI. Stepanova: According to my data, up to 80% of the graduates of our department work in the chosen profile. I would not particularly like to single out someone, since there are many talented and bright personalities among our graduates. And we will see many of them on high financial posts. So a worthy replacement for such graduates of the Russian University of Economics is growing. G.V. Plekhanov, as Tatyana Alekseevna Golikova, Maxim Stanislavovich Liksutov, Tatyana Vladimirovna Paramonova, Sergei Nikolaevich Gorkov, Oleg Vladimirovich Deripaska, Mikhail Mikhailovich Zadornov, Vladimir Alexandrovich Mau and many others.
ConsultantPlus: In your opinion, for success in the profession, what character traits should a specialist who has chosen the "Finance and Credit" profile have?
DI. Stepanova: A specialist in finance and credit must be a pedantic and systematically thinking person, have a broad outlook and vision of the development directions of the modern world and the economy, know information systems, have the skills of decentration (the ability to see a problem from different angles) and make diverse decisions.
ConsultantPlus: How do you feel about modern information technologies? Do you recommend that students study ConsultantPlus?
DI. Stepanova: Modern information technologies are of priority importance in our society. They not only help the student write term papers, theses, perform laboratory, computer and analytical work, but also contribute to the qualitative development of the specialty by obtaining up-to-date data and providing a chronological retrospective. Many disciplines of our department require intensive study normative documents which are constantly changing and expanding. And in our age of information technology without literate information systems, such as ConsultantPlus, nowhere!
"Who owns the information, he owns the world." Therefore, in all halls of the library, in all buildings of the Russian University of Economics. G.V. Plekhanov and the ConsultantPlus system was installed in computer classes. I recommend that my students subscribe to to keep abreast of the most important changes in Russian legislation. It is also useful for students to have a subscription to promotions and free student events from the ConsultantPlus company and its training center. They organize very useful and interesting meetings with practitioners, business games, student competitions, etc.
ConsultantPlus: What advice would you give to your students and students of other universities who have opted for the "Finance and Credit" profile? What should they prepare for, what qualities of character to develop, what disciplines should they pay special attention to?
DI. Stepanova: Students who have chosen the profile of finance and credit should pay attention to general fundamental disciplines, economic theory, statistics as a fundamental basis for mastering subsequent disciplines, should be maximally involved in the educational process from the very first days.
In parallel with the development of textbooks, it is necessary to constantly monitor changes in the Russian and global financial markets. Be interested not only in finance, but also in politics, new technologies, since in our age of globalization, all processes, both geopolitical and economic, affect the financial sector. In order to competently conduct financial analysis and situational forecasting, you need to have a broad outlook, be comprehensively aware. This can be facilitated by daily viewing of financial market news, attendance at master classes, trainings and open lectures by practitioners, round tables on topical contemporary issues.
I advise graduates not to stop learning, to learn new things, to constantly expand their professional capabilities, to master the skills of complex and holistic thinking, to look at the world around them with open eyes, in order to make, among other things, non-standard decisions. Only your curiosity financial sector will lead you to success, because, being interested in new trends in the market, you will always be one step ahead of the rest!
Details
And the economist is about money, and the financier too. Is there a difference between them? What is the difference between an economist and a financier in general and in particular? Let's find out.
Let's start with the fact that economics is the science of good housekeeping. This science is also applicable to control, analyze and manage your personal resources - salary, household, etc. In general, the economy is a very necessary thing for any kind of economic activity.
And that is why, due to its applied properties, usefulness and demand in many areas, it is very popular among young people as a profession that you want to get. For many years, economists have been in the top of the most popular professions among applicants. When entering a university, many people think about which faculty to choose.
Now there are many options for possible specializations. The question arises as to how they differ from each other. For example, what is the difference between an economist and a financier? Which faculty is better to enter - Economics or, say, Finance and credit? Will the field of activity of such specialists differ?
Economists are engaged in economics at the enterprise. These are specialists in the field of planning, analysis and management of financial and production activities organizations. Their responsibilities include economic analysis of all necessary indicators, budget planning, calculation of production costs and the effectiveness of planned changes and innovations, strategic work to improve the efficiency of the enterprise. An economist prepares data, processes them, and stores economic information.
The financier is responsible at the enterprise for everything related to the conduct and execution of financial transactions, the most optimal and efficient distribution of financial resources, profitable and competent investment of working capital financial resources enterprises. Also, financiers are those who are engaged in the professional management of capital, own, attracted or capital of the employer.
These two professions are related by the fact that both the economist and the financier work with cash flows. What distinguishes an economist from a financier lies in the more specific work of a financier with finances. A financier is a practitioner, he is looking for ways to increase the available capital, he directs them, invests, analyzes their movement, is engaged in budgeting, investing assets. How more income bring money, the better the financier works.
The economist is more of a theoretician, he analyzes economic information, develops measures aimed at increasing production efficiency, more competent organization of labor, reducing losses and untargeted expenses.
If you say in one sentence how an economist differs from a financier, then you can formulate it like this. The economist analyzes the data of various economic activities of the company, and the financier looks for ways and opportunities for successful investment of funds, and also manages financial flows.
What is the difference between an economist and a financier?
It should be added that the effectiveness of an economist's work can only be assessed in the long term, in terms of qualitative indicators. And it is possible to evaluate how efficiently a financier works at any time and for any period, based on quantitative indicators.
What exactly the economist does not differ from the financier is that in order to become the first or second, you need to get a higher education. Although, of course, this is not always the case. A young specialist can start his career while already studying at the senior courses of the university. It is best to choose a prestigious university with a good reputation, since reputation means a lot in the world of finance and a graduate of a well-known university with good rating and a solid history will make it easier to find a job.
Best to choose educational establishments, for which economics is a core discipline, such as the Russian University of Economics. G.V. Plekhanov or the Higher School of Economics, or state universities and institutes, education in which, also, is an unconditional mark of quality, such as Moscow State University. M.V. Lomonosov or MGIMO.
To enter such universities, you will have to make a lot of effort, but in the future they will pay off. After all, an economics diploma obtained, for example, at MGIMO, is much more prestigious than an economics diploma obtained, say, at the Agricultural Academy.
Of course, this is true if you plan to build a career in the world of finance and economics. If you plan to work in a particular industry National economy, then it will be more convenient to enter a non-core university specializing in training personnel in this industry.
Well, in conclusion, it is worth mentioning how an economist differs from a financier, in addition to all of the above. An economist can work in almost any field and in any enterprise. The scope of their talents for a financier is more limited, but at the same time, allows you to achieve major success.
Profiles of the direction "Economics":
Finance and credit
Accounting, analysis and audit
Taxes and taxation
Profile "Finance and Credit"
This profile enables students to gain extensive knowledge about the processes of formation and execution of budgets at different levels, the procedure for planning accounting and reporting, organizing and managing the cash flows of enterprises, the investment activities of business entities, the peculiarities of organizing the finances of enterprises and organizations; banking and insurance business.
Graduates of this direction are equally well versed in financial management, insurance, loans, financial management, pricing.
Knowledge and skills of graduates of the specialty allow them to apply for prestigious jobs in serious organizations: in the economic and financial services of enterprises and organizations of all forms of ownership, in state bodies of the federal, regional and municipal levels, banks, stock exchanges, financial and insurance companies, investment funds. The services of graduates of the specialty are in stable demand in the labor market, and they themselves have good prospects for further professional and career growth.
Job Opportunities very extensive: at the enterprise, graduates of the specialty "Finance and Credit" can conduct professional work as economists, financial analysts, specialists in the planning and economic department, investment consultants, heads of financial departments, financial directors , as well as in other positions requiring knowledge of the tools and methods of financial management, the basics of the organization of monetary regulation, money and trade turnover.
Ample opportunities for work are opened up for our graduates in the banking sector. Bank departments involved in lending are in need of competent loan inspectors and lending specialists. In other structural divisions of banks, economists are required for foreign exchange and deposit transactions, for interbank settlements, for securities, economists-analysts, specialists in working with plastic cards. Having started his professional career in one of these positions, a graduate of the specialty "Finance and Credit" has ample opportunities for career growth, development and transition to more responsible and interesting positions of heads of relevant departments of banks.
Experts who know the insurance business and know the methods of risk management and financial analysis, can carry out professional activities as insurance agents and brokers, expert consultants in the field of insurance, economists and, finally, presidents of insurance companies.
Another interesting area of activity for graduates of the specialty "Finance and Credit" is the work of financial brokers, whose main field of activity is stock trading. Such specialists can work in investment companies and banks, brokerage and management companies, structural divisions of the stock market.
Profile "Accounting, analysis and audit"
The demand for specialists of this profile is very high, since no enterprise can function without accounting.
A graduate of this profile is a bachelor who has knowledge in the field of accounting, analytical, financial, consulting, management, control and audit activities. A bachelor of this profile has basic theoretical and practical professional skills in the field of financial, managerial and tax accounting
The accountant is able to comprehensively analyze the results of the economic activities of the organization, identify problems, violations and errors in the implementation of economic activities and suggest ways to eliminate them. Able to audit and analyze financial statements; keep accounting records in an automated way using computer programs. He has the necessary legal knowledge in the field of contractual and claims work, knows how to widely use legal documents in his activities.
The task of an accountant is to account, plan and control cash, income and expenses, property and liabilities of the organization. He takes part in solving financial issues, works with the tax authorities, is able to suggest ways to minimize the taxation of the organization.
A bachelor with a degree in Accounting, Analysis and Audit can work in commercial, non-profit and budgetary organizations, banks, financial companies and tax authorities.
Professions: accountant, economist, financier, auditor.
Profile "Taxes and taxation"
Taxes and taxation are an important link economic relations in society. Taxes are the main source of revenue for the budgets of all levels and an effective tool for state regulation of socio-economic relations. Without knowledge of specific tax proceedings, it is difficult to imagine the head and leading specialists (accountant, economist) of a modern company.
Profile "Taxes and taxation" is unique, because. includes training in economics and law. Graduates of this profile are prepared for work in various fields of activity. Highly qualified training in the field of accounting, analysis and audit; Civil, Criminal, Administrative processes; tax consulting in various industries. Knowledge in the field of law allows you to correctly apply the norms of tax, civil and other types of legislation in your activities, as they regulate the construction of financial relationships between the state, legal entities and individuals.
The presence of education in the field of taxation, the ability to navigate the economic processes taking place in the country, as well as knowledge of the legal aspects of life is and will be in demand.
Economist in the profile "Taxes and taxation" has the necessary skills of practical work in the tax and budgetary sphere, in legal, economic services of enterprises, organizations, institutions; have knowledge of the laws and features of the development of the tax system of the Russian Federation, as well as domestic and international experience in the management and functioning of fiscal systems; knows how to use knowledge of the theory of taxation in their practical activities; knows the basics of organizing tax regulation; sees the prospects for the development of the tax system and his professional growth.
Tax specialists are in stable demand in the labor market, having good prospects for further professional and career growth and the widest opportunities for work not only in tax system but at enterprises and organizations of all forms of ownership.
The professional activity of a graduate in the profile "Taxes and taxation" can be carried out in all parts of the tax system at the federal, regional and local levels. It is perhaps worth noting that tax officials are state civil servants, whose legal and social protection is guaranteed by the state.
However, the field of activity of tax professionals is not limited to inspection alone. Knowledge of the norms and laws in this area makes our graduates almost indispensable advisers for any organization.
A promising area of activity for a tax specialist is the practice of tax consulting. The profession of a consultant on taxes and fees opens up amazing prospects for those who own it. A relatively recent direction related to accounting support for a large company or a private entrepreneur and aimed at optimizing the taxation process is extremely in demand. An additional opportunity for self-realization is provided by consulting on filling out tax returns. Today, more and more professionals are needed in this field of activity, and there is clearly not enough relevant personnel.
By choosing the “Taxes and taxation” profile, you can get the most prestigious job and contribute to the development of the national economy and the economy of the region!
Happiness is not in money, but in their quantity. This is exactly what those people who worship the golden calf say and consider money to be almost the only goal of their lives. But financiers, who daily operate with a huge amount of despicable metal, consider money to be just an effective tool for achieving other, more productive, and often noble goals.
Happiness is not in money, but in their quantity. This is exactly what those people who worship the golden calf say and consider money to be almost the only goal of their lives. But financiers who deal daily with huge amounts of despicable metal, consider money to be just an effective tool for achieving other, more productive, and often noble goals.
We note right away that if some 20-30 years ago there were no financiers as such in Russia, today this profession is very popular among the younger generation. And not because boys and girls dream of "raising" domestic economy and improve the welfare of fellow citizens. Most of all in this profession they are attracted by the great opportunities for improving their own financial situation. In any case, they think so. But many of the future specialists do not even suspect that the concepts of "financier" and "wealthy person" are not always synonymous. And after a detailed acquaintance with the features of this profession, you will understand why.
A financier is a highly qualified specialist in the field of financial science and financial operations, who deals with especially large monetary transactions, capital management, and financing projects on a legitimate basis. At the same time, a financier can be either a small clerk in a bank branch or an employee of the Ministry of Finance (up to the minister himself)
The name of the profession comes from the Latin word financia, which literally translates as "end", "finish" - the completion of monetary settlements between the population and the state. The concept of finance familiar to us, as operations with monetary assets, came from France, where the word finance means income, cash.
Story financier profession goes back to the time of the appearance of the first states and, accordingly, the state treasury, which needed competent management. For example, the famous Knights Templar, whose treasures have not been found and still excite desperate heads, are none other than the first bankers, and their treasures are nothing more than an ordinary investment. At the courts of European sovereigns in the Middle Ages, there was the position of a court Jew (without any hints), who performed the functions of a financier, lending money to a squandered king or emperor with money “before salary”.
The sphere of interests of the modern financier includes all, without exception, the movement of money: investments, lending, transactions, collection of debts, and so on. The specialization of a financier (and there are a lot of them, by the way, since it is customary to call a financier any specialist who is somehow related to monetary and financial operations: banker, accountant, financial director etc.) depends on the type cash flow which he is doing. So, we can distinguish financiers who are engaged in:
Simply put, a financier engaged in lending issues loans at interest, while he determines to whom, how much and at what percentage a loan can be issued and what are the risks of the institution that he represents.
A tax and budget specialist works with the finances of an enterprise, industry, and state. The essence of his duties is simple: how much money we have, how much we have to pay taxes, how to distribute and spend the budget.
The investor is investing money and must determine the profitability and possible risks enterprises. This specialist usually works in tandem with the insurer, whose activities are aimed at eliminating losses.
The foreign economic activity of a financier is connected with the work of various international banks and funds, and in fact unites all the others, only at a higher level.
Summarizing all of the above, we can determine the range of the main duties of a financier, which will look something like this: parse financial documents, operations with securities and real estate, drafting financial statements and estimates exchange transactions, work on taxation.
The task of the financier is to get the maximum profit from the invested funds. Everything else: methods, means, tools, the choice of the addressee of attachments - he determines himself. In other words, the professionalism of the financier directly depends economic development both a single enterprise and the state as a whole. Therefore, the requirements for such an employee are very high. First of all, a true professional must have such personal qualities as:
What should a financier know and be able to do? In perfection macro- and microeconomic laws, the situation on monetary and financial market, determine the ratio of supply and demand, see and calculate crisis situations. Therefore, the financier must first of all study the economy. Also, this specialist needs to know the laws, especially in the field of finance, insurance and international law. And yet, the financier must have flair, talent and ingenuity.
Hiring for work of a financier business owners actually entrust him with their own financial well-being. Therefore, they are vitally interested in the fact that the specialist has an incentive to do his job efficiently. And what could be a better incentive than decent wages? True, this applies only to specialists of middle and senior management (chief accountants, managers, financial directors, etc.). Of course, the salary of financiers is not calculated in millions, but a salary of 60-70 thousand rubles allows specialists to feel financially expressed job satisfaction.
Another advantage of the profession of financier is the versatility of the specialty. The place of work of a financier can be both a bank and Insurance Company, how credit organisation, and investment company. At the same time, the experience gained in the course of work can be useful to a specialist both in everyday life and when organizing his own business.
It should also be noted that the place of work of the financier is the silence and comfort of banking and office premises. As you know, big money does not like noise, and therefore at the workplace of a specialist it is always calm, no one interferes.
And finally, this profession belongs to the category of intellectual. Therefore, it requires the financier to constantly develop, move forward. In other words, a representative of this profession will never become stagnant or stop developing.
Despite the obvious advantages of the profession, it has disadvantages, and quite significant ones. In particular, the popularity of this profession among the younger generation has led to a glut in the labor market and high competition among specialists. As a result, young financiers, without work experience, mostly receive relatively small salaries (about 30-40 thousand rubles).
Besides, lack of profession of a financier can be considered the fact that a specialist has to work almost around the clock. What is meant? Money must always be in circulation. Well, since financial situation changes every minute financial market never sleeps: some companies go bankrupt, others get richer), a specialist needs to constantly monitor up-to-date information. Otherwise, you can permanently fall out of the clip. In turn, such a stressful rhythm of life can lead to chronic fatigue, causing depression.
And most importantly, the specifics of the work of a financier is inextricably linked with a huge financial responsibility. Even one wrong decision can lead to huge losses, the consequences of which can be irreversible.
Based on the foregoing, it can be concluded that get a career in finance
