2018年金融行业在“金融去杠杆”和“贸易战”两个特殊大环境下，行业经历了又一轮的洗牌和升级：监管放宽外资机构、持股金融机构的限制；大型银行发力理财业务并加强理财业务规范，加强银行内部监管；小部分银行面临流动性压力过大的危机；互联网金融行业优胜劣汰。

In 2018, against the backdrop of “deleveraging” and the “trade war”, the financial sector has undergone another round of adjustments and upgrades. The regulatory authorities have relaxed restrictions on foreign investments holding shares in financial institutions. Large banks have focused on developing financial management services and regulations in addition to strengthening internal supervision. Liquidity pressures also challenge a small portion of banks. In the internet finance industry, good companies win and the bad companies lose.

非银传统金融领域，中美贸易战背景下的大盘萎靡不振和强监管环境，导致券商业务相对收缩，人才需求较小，部分机构实行了裁员。PE/VC领域投资热度相比往年有所下降，行业人才流动性降低；保险及资管业务面临强监管，主动投资面临巨大下行压力。

The outlook in the traditional non-banking financial sector, influenced by the Sino-US trade war and tightening regulations, remains bleak. The securities business has shrunk, and several organizations have downsized their operations. There have been fewer PE/VC investments compared to previous years causing lower rates of employee turnover. Tighter regulations have been imposed on insurance and asset management services. Overall, the active investment industry faces a huge downward pressure.

另一个不可忽视的中期大趋势是金融科技的兴起，虽然区块链遭遇了阶段性的瓶颈，但是BATJ及国际知名PE/VC机构积极布局国内的金融科技市场，科技正在慢慢渗透传统金融行业，并在某些细分领域带来质的改变和新行业的洗牌。

Though the blockchain industry has encountered a bottleneck period, the fintech industry still has huge potential for growth, with BATJ (Baidu, Alibaba, Tencent and JD) and world-famous PE/VC institutions actively engaging themselves in China’s fintech market. Technology is imperceptibly influencing the traditional finance industry and bringing about fundamental changes to the niche market.

在人才分布上，大部分金融人才依然集聚在北上深等金融中心，但金融机构向二三线新兴城市的渗透趋势也不可忽视，越来越多的银行及券商等机构在新兴地区建立分支或扩大招聘规模，这与这些地区的经济成长性密不可分。

Most finance professionals work in China’s financial centers, such as Beijing, Shanghai and Shenzhen. However, an increasing number of banks and securities dealers have established branches in second tier and third tier cities where economies are experiencing rapid growth.

热门职位主要集中在：销售类岗位、产品开发设计类岗位、风控类岗位，值得一提的是大数据及战略岗位，是近两年需求呈快速增长的领域，这与金融行业整体升级趋势也相关联。

The hottest jobs are those related to sales, product design and development and risk control. Big data and strategy jobs are the fastest growing jobs in the past two years, accompanying overall improvements in the finance industry.