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个人信贷岗位在国内各商业银行有着广泛的用工需求,另一方面,学校培养高端技能型金融人才的最终目的也是最终能走上商业银行的工作岗位,如何实现高职高专金融专业毕业生与商业银行热门岗位的无缝对接,笔者试图从校企合作的角度出发探寻一条双赢之路。个人信贷业务是商业银行的一个重要的利润来源,该业务指运用从负债业务筹集的资金,将资金的使用权在一定期限内有偿让渡给个人,并在贷款到期时收回资金本息以取得收益的业务。目前国内房地产业、汽车行业蓬勃发展,出国留学热情高涨,带来的是个人贷款业务的旺盛需求,也带来了巨大的个人信贷业务岗位需求;但是,与之相对口的,高职高专金融专业的就业方向迟迟没有打开,毕业生就业率、就业对口率、和毕业收入水平一直在较低的水平停滞不前。作为培养高端技能型人才的高职院校,改革教学模式,深化校企合作,让金融专业学生有岗位以实习、有工作以就业、有前途以发展,变得迫在眉睫。
Personal credit posts have a wide range of employment needs in domestic commercial banks. On the other hand, the ultimate goal of schools in training high-end skilled financial professionals is ultimately to embark on commercial banking jobs. How to achieve higher education for financial graduates Seamless connection of popular posts in commercial banks, the author attempts to explore a win-win situation from the perspective of school-enterprise cooperation. Personal credit business is an important source of profits for commercial banks that use the funds raised from the liability business to transfer the right to use funds to individuals for a certain period of time and to recover the principal and interest of the funds when the loans are due Revenue business. At present, the vigorous development of domestic real estate and automobile industries and the enthusiasm of studying overseas have brought about the strong demand of personal loan business and huge demand for personal credit business posts. However, the counterparts in higher vocational and technical colleges The employment direction of the financial profession has not yet opened, the employment rate of graduates, employment parity, and graduation income levels have been stagnant at a relatively low level. As a higher vocational college that cultivates high-end skilled personnel, it is urgent to reform the teaching mode, deepen the cooperation between school and enterprise, let the finance major have jobs in internship, have jobs in employment, and have future development.