Where is the core competitiveness of financial practitioners!

Where is the core competitiveness of financial practitioners!

Bill Gates once recalled movingly，"Every morning when I wake up，Everyone will be excited about technological progress and the development and improvements it brings to human life." Wake up every day with a feeling of passion forthedifference technology will make in people’s life. - Bill Gates as a financial practitioner，A moment of my morning meditation，A question that I often think about is：What are your core competencies?

Let me tell you my opinion below，Throw away those cliche answers，Such as leadership skills、Logical analysis ability、Communication and expression skills、Ability to work under high pressure，Just like those who sit in the company conference room and answer the interviewer's questions。1、first，I think the core competitiveness of a financial practitioner，Including two aspects：Hardskills和Softskills。

Many people are emphasizing the importance of Softskills，Actually Hardskills，That is to say, your professional knowledge in the financial field is also very important.。A lot of professional knowledge will be asked during campus recruitment.，Social recruitment will ask more questions。“Investors are clearly risk averse，Why should we use risk-neutral probabilities when pricing derivatives? "What is the difference between the bond term structure and the yield curve?"

” “Pecuniary Financing Theory”(PeckingOrderTheory)Why is it ineffective in the A-share market? "And reaching the top of the pyramid，for professional knowledge

Require

higher。certainly，Professional knowledge is only the most basic part of core competitiveness，Can't do without it，With that, you also need some of the following Softskills:。First, the ability to match。

Through many years of work experience，You will accumulate a certain network of contacts，The meaning of connections is，You can act as a node on social networks，Connect multiple other nodes that are not originally connected.，Optimize resources and allocate them to the right places，And you can collect intermediate business income in the middle。Matchmaking is an important ability，and cannot be obtained through book learning，It is one of the core competitiveness。The second is the ability to develop knowledge to the extreme。

Study finance in college，From bachelor's degree to master's degree，You will gain a lot of expertise。this knowledge，Most are large and comprehensive。You don’t know which ones are most useful、The most critical knowledge。And at work，If you are lucky，You will find an area that you love and are good at。what you need to do，It is to develop professional knowledge in a certain field to the extreme.。remember，It must be developed to the extreme。Nothing but perfection。

The third is the ability to make things happen (MakeThingsHappen)。This is a comprehensive ability，can do one thing，The ability to do a good job on a project。

in order to makethingshappen,in a team，You need leadership,you need to have communications skills,You need to have analysis skills，You must know how to workunderpressure；at the same time，You need to use your connections in the professional field，Clear and manage all aspects，Ensure smooth progress of the project。

The combination of these abilities，Will make you a successful professional，youaregreatassetstothecompany,becauseyoucouldmakethingshappen,notothers.Last point：Mental Models for Effective Operations in the Financial World。

Peter Senge writes in The Fifth Discipline：“Mental models are deeply embedded in our psyches，about ourselves、other people、image at every level of the organization and the world、Assumptions and stories。It's like a piece of glass distorting our vision，Mental models also determine how we view the world。"Financial practitioners，What needs to be cultivated is，A set of optimized and perfected mental models。

Just like the rigor of a bank teller、meticulous、Service awareness；Customers have both sides、Be good at empathy (observing the other person’s sensitivity to reactions)；Trader’s ability to withstand market pressure、The ability to make accurate decisions during high-speed operations、Fault tolerance。These are the high-speed mental models of financial practitioners in different fields.。After possessing these mental models,，You can reach your target efficiently，Complete tasks and run freely。2、first，Definitely not all professional skills。

Only actuaries and risk control officers rely on this for their livelihood.，Still tired from eating。Get to know some of the big guys in the financial industry，to be honest，I don’t think I am very strong in professional skills.，Where you excel is in your soft skills。Among them, the one that made a deep impression was the Chinese branch of an American insurance giant (which may affect the company’s stock price trend).，The specific company will not be disclosed)。when chatting with him，He said frankly not to talk to him about DEA models, radar charts, etc.，He doesn't understand，It doesn't count。

Talking about insurance pricing，He said that was what the actuary next door did.，They have to study for five years and take the card exam for three years before they can do this job.，Where can I。but，One involves the industry situation、policy、The situation of major competitors、The company’s own strategies, etc.，He was in high spirits and kept talking.，He also talked a lot and I learned a lot.、A sudden revelation。

But this does not mean that those who do technical work do not have core competitiveness.，As long as you always have the latest knowledge needed by the times,、Skill，It has core competitiveness，won't be eliminated。so，I think the core competitiveness of any industry is the same，Not any technology，Nor is it a soft skill like leadership.，But a keen sense of smell，and powerful、Quick learning ability。

This way you can keep yourself updated with new things，Maintain the leading position in the industry。

1. Finance is ultimately a type of service industry，The core competitiveness in the financial industry is essentially “providing the best financial services and products”，And this ability to "provide" is a comprehensive concept，For example, "the ability to learn"；"The ability to understand"；"Ability to judge" etc.，Only by doing these things can you develop your "business operations capabilities"，Adding experience，Only then can you develop “decision-making skills”，In short, it revolves around the essence of "providing"。

In fact, it is similar to most business fields，Including the abilities cultivated in the industrial field, there is not much difference，It’s just that the financial market has certain peculiarities，So you need to be on the basis of "this field"，Just to refine。In addition to finance, this industry，legal affairs，Positions such as risk control can provide you with professional and technical improvements.，But generally speaking, it is not the main content of this industry.，certainly，It is indeed indispensable，Cutting-edge knowledge is also developing rapidly，Anyone who can master technical skills is also a great person。

After all，The “ability improvement” that eating financial food brings to you cannot be quantified.，Soft “ability”，This is not the same as the technical profession。Especially after entering the decision-making or management level，This "unquantifiable" ability is your main job content。

This "ability" sounds hollow，But it does take different forms depending on each person’s situation.，It is not a skill that can be applied directly，Therefore, many financial people actually sometimes feel a sense of crisis.，When changing careers, they are not as confident as technicians.。But in long-term work，This kind of "core competitiveness" can be accumulated completely。

Specifically，I think it’s mainly due to the following aspects:：1、The first is that there are no specific products for operating finance in “resources”，it serves the industry，Its essence is a type of "resource allocation"，Earn profits across industries，And use and develop your own resources，and optimal configuration，And refine it to the "demand" audience，How to make this process smoother，And accumulate and develop their own "resources"，Only in this way can we occupy the industry for a long time.

Advantages

，This is a type of core competitiveness。

1. The second is the processing ability of "information". One source of "risk" is "information asymmetry"，The basic basis for "judgment" comes from the optimal processing of "information"，And "information mining" comes from contacts within the industry。And this application of "information"，deal with，The cultivation of digging，In the financial circle, which is backed by almost all industries,，It develops quite quickly，And it covers a wide range of。。This is considered a type of core competitiveness。
2. Then there is the ability to "cooperate" and "coordinate". In the final analysis, finance does not provide "substantial" things.，but service。Then the service itself will connect with almost all other industries，So among these jobs，Framework understanding of other industries，and how to achieve cooperation，How to achieve consensus and mutual benefits during cooperation。

These jobs give you more than just connections，It also brings you "cooperation" efficiency training，and coordination and integration of different aspects，Because finance is inextricably linked to the entire business society，This type of competitiveness develops quickly。4、Then it is a kind of "working experience" when you work in a long-term high-load and high-competition working environment.。

Then it will be easier to concentrate on your work，Better at planning，And you can accumulate some tips in a lot of repetitive work，It is easier to find some problems or key points in projects that connect all aspects of the financial industry。This is also competitiveness，certainly，The disadvantage is，The body breaks down easily。

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