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Finance

Universities
131
Programs
227
Major category
Economics

Specialization introduction

Major introduction

Finance teaches you the art of making money with money, with a core focus on asset pricing and risk management. It's perfect for those who are numbers-savvy and want to navigate the capital markets.

Program overview

In simple terms, finance is the study of "how money flows." You'll learn how to price stocks and bonds, help companies raise capital, manage risks, and understand how banks, securities, and insurance institutions operate. Core courses include Microeconomics, Macroeconomics, Money and Banking, Corporate Finance, Investments, International Finance, Financial Risk Management, and Financial Engineering. Math and statistics are foundational tools, but don't worry—most schools start from the basics. This major suits students who are sensitive to numbers, enjoy analyzing problems, and have logical thinking. If you often follow financial news and are interested in the stock market, exchange rates, and Bitcoin, finance is a great fit. Chinese universities have unique strengths in fintech, RMB internationalization, and green finance. For example, Tsinghua PBCSF, Peking University Guanghua, Fudan School of Economics, and Shanghai Advanced Institute of Finance (SAIF) offer courses that incorporate real-world cases from the Chinese market, such as how Alipay and WeChat Pay transformed the payment system and how the STAR Market operates. Many schools also offer English-taught programs for international students.

Major prospects

金融行业正在经历大变化。传统银行在数字化转型，投行和基金公司越来越依赖量化模型，金融科技公司（比如蚂蚁集团、京东数科）在抢传统金融机构的生意。中国资本市场开放力度很大，外资投行（高盛、摩根士丹利）可以全资控股在华业务，跨境投资和人民币国际化带来很多新机会。绿色金融（碳中和相关）也是热点，政府推动绿色债券、碳交易市场。 对国际学生来说，你的语言和文化背景是优势。很多中资企业出海需要懂当地市场的人才，外资机构也需要熟悉中国市场的员工。如果你会英语+中文+母语，在跨境并购、国际贸易融资、外汇风险管理等领域会很吃香。另外，金融科技方向特别缺人，比如区块链在供应链金融中的应用、智能投顾等，这些领域中国走在世界前列。

Career prospects

毕业后去向很广。最主流的是商业银行（做对公客户经理、信贷审批、资金交易）、投资银行（做IPO、并购、债券承销）、基金公司（做研究员、交易员、基金经理助理）、证券公司（做经纪、投顾、自营）、保险公司（做投资、精算、产品设计）。金融科技公司（比如蚂蚁、腾讯金融、度小满）也大量招人，岗位有数据分析师、风控模型师、产品经理。咨询公司（麦肯锡、波士顿咨询）的金融组也喜欢金融背景的学生。 薪资方面，一线城市（北京、上海、深圳）起薪普遍在10-20万人民币/年，顶尖机构（中金、高盛、易方达）可达30万+。工作3-5年后，优秀者年薪50-100万很常见。国际学生如果留在国内，外资银行和跨境业务岗位薪资更高，比如汇丰、渣打的全球管培生项目起薪约25-30万。如果回国发展，中国金融市场的经验也很有竞争力。

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