【2027 Non-finance 學生報Banking Internship攻略 】

2027 Summer開咗啦 本身唔係讀finance

想入JPM/BoA? 你唔係冇機會 係要報得合理

「我唔係Finance/ BBA，係咪冇機會入bank？」

唔係

但你最大問題通常唔係major係你報錯role或者你份CV完全講唔通你點解報呢個role

好多非Business學生一見到banking opening就淨係報IBD / Markets / AM

但你要諗清楚HR睇你份CV嗰10秒，佢唔係喺度研究你人生潛力

佢係問一條好現實嘅問題：

點解你呢個background報呢個role係合理？

如果你讀Law但冇M&A internship 冇valuation 冇deal exposure一開波all in報IBD，其實係好難俾你interview

如果你讀Social Science但份CV得society / volunteer / part-time tutor然後報 Trading，HR都會覺得好跳

如果你讀Science / Engineering / CS明明technical background係優勢但你份CV完全冇講finance interest / market sense / product understanding咁你就會似一份放錯地方嘅tech CV

所以非Business學生報bank第一步唔係問自己「可唔可以入Bank」

而係問自己：

我條background最自然可以連去邊條banking route？

先講一個核心觀念

非Business學生唔需要扮Finance學生 最重要係報一份岩既工

好多非Business學生好驚自己冇讀過Finance然後就喺CV度硬塞一堆好表面嘅字

Passionate about financeStrong analytical skillsFast learnerInterested in investment banking

其實冇乜用

因為Business學生都識寫呢啲而且佢哋可能真係讀過valuation、accounting、corporate finance

Law唔係「我識法律」而係我識睇文件、拆risk、理解regulation、同client講logic

Psychology唔係「我識心理學」而係我理解client behaviour、relationship building、communication

Science唔係「我識做lab」而係我有technical thinking、data sense、industry understanding

Engineering / Maths唔係「我數學好」而係我識modelling、coding、probability、pricing logic

Arts唔係「我識寫文」而係我識research、write、present、manage stakeholders

1. Law

Law學生其實幾適合bank但未必一開始就最適合IBD/ markets

最自然可以睇：

Corporate BankingPrivate Bank / Wealth ManagementComplianceLegal-related banking role

如果你有好強presentation同client-facing經驗都可以諗之後點轉去markets

Law學生最應該sell嘅係：

你識睇文件你識同人講清楚複雜概念你理解regulation同commercial implication你present嘢有structure

我之前有見過law background入securities services之後再去大行fx sales發展

如果你一開始冇做過好多internshipCorporate Banking好多時會比IBD合理

因為CB本身就需要你理解公司、credit、文件、relationship同riskLaw background係講得通嘅 同時technical requirement少啲

2. Social Science / Politics / Sociology

Social Science學生最常見問題係份CV睇落好似乜都做過少少

SocietyNGOResearch projectPart-time tutorVolunteer

每樣都唔差但如果你冇串成一條banking storyHR會唔知你點解突然報bank

最自然可以睇：

Corporate BankingPrivate BankComplianceRegulator / public sector related roleWealth Management

Social Science其實可以包裝到好banking

例如：

你識做research你理解policy / macro environment你識分析人同組織你有presentation能力你有client / stakeholder communication你對社會、行業、經濟變化有敏感度

之前我有睇過一個例子Social Work / Social Science background之後讀Master in Family Wealth Management再入Credit & Financing Sales Trainee / bank sales related route

呢條路好值得非Business學生參考

因為佢唔係硬扮Finance學生而係用：

people skillwealth management angleclient understandingfinance master signal

砌返一條合理路徑

所以Social Science學生唔係一定要報最technical嘅role你應該先搵啲需要research + communication + relationship sense嘅banking role

例如CB / PB / WM / Compliance / Risk會比你一開波報Trading合理好多

3. Psychology

尤其係：

Private BankWealth ManagementRetail / Consumer BankHR

如果你有sales internship、client-facing experience、consulting / marketing / customer research經驗可以再stretch Corporate Banking / Markets Sales

但Psych學生最大問題係好容易講到太soft

例如：

I understand peopleI am empatheticI like communicating with others

呢啲唔係唔得但唔夠banking

你應該轉成：

client behaviourrelationship buildingstakeholder managementadvisory mindsethandling sensitive conversationsunderstanding client needs

例如你報PB / WM就唔好講到自己只係「鍾意同人傾偈」

你要講到你明白高淨值客戶決策明白relationship係點樣建立信任明白金融產品唔係淨係return仲有risk appetite、liquidity needs、family planning、long-term relationship

咁就會banking好多

4. Arts / Humanities / Language

Arts學生其實唔係冇機會入bank但你要好小心包裝

最自然可以睇：

HRComplianceRetail Banking

如果你CV好強例如有Big 4、consulting、corporate strategy、finance internship、case competition、valuation exposure先再試下Corporate Banking/ Private Banking

Arts / Humanities最大優勢係：

researchwritingpresentationlanguagestakeholder communication理解人同context將複雜嘢講得清楚

你要將所有experience串成一條線：

我過往一直做research / writing / communication / stakeholder-facing工作所以我適合bank入面需要client communication、product explanation、relationship management嘅role

之前我哋提過Arts & Law background最後入到大行Markets / Sales related route

呢個例子重點唔係「Arts都可以入Markets」咁簡單而係佢條路中間有banking / graduate / client-facing signal令個transition講得通

所以Arts學生唔係唔可以報但你要先有一個合理入口

PB / CB / Marketing / Client Service / Sales Support好多時會係比IBD更自然嘅第一站

5. Science

Science學生其實有一個好明顯優勢就係你本身有technical thinking

但好多Science學生報bank時會犯一個錯

佢哋完全唔知點樣將science background連去bank

最自然可以睇：

Transaction BankingRiskProductData-related role

如果係Life Science / Medicine / Biotech related background可以特別留意：

Healthcare bankingEquity Research healthcare / biotechBiotech VC

之前我哋提過HKU Science background入Transaction Banking / banking product route

呢個例子其實幾好因為Transaction Banking唔係大家最常講嘅IBD / Markets但對非Finance學生嚟講，反而可能係一條好合理嘅路

Transaction Banking需要你理解：

client needscash managementtrade financeproduct structureoperational flowrisk and controlrelationship management

Science學生如果識包裝自己嘅analytical thinking、product sense、problem solving其實係有機會講得通

但你要補返finance sense

例如你要寫到：

你有冇睇market news你有冇做過finance-related project你點樣理解business model你點樣將technical knowledge應用去commercial problem你點解想由Science去Banking

否則HR會覺得你只係唔知自己想做咩，所以報bank試吓

最常見5個錯誤

1. 一開波只報IBD / Markets / AM

唔係唔可以報但如果你冇相關signal你要同一堆Finance學生、Target school學生、有bank internship嘅人硬碰

未必係最好策略

2. 只講自己major學到咩

但冇講點樣連去bank

「我讀Law所以我有critical thinking」「我讀Psych所以我識人」「我讀Science所以我analytical」

呢啲太general

你要講到role-specific

3. 冇finance interest證據

非Business學生最怕就係你話你想入bank但你份CV完全冇finance痕跡

最少要有：

finance society / competitionmarket news habitrelevant projectcertificate / self-learninginternship anglestock / market / business interestbanking role understanding

唔係話一定要好勁但要有痕跡

4. CV太散

尤其Arts / Social Science / Psych學生好容易變成一份「我乜都做過少少」嘅CV

你要幫HR整理故事唔好等HR自己幫你諗

5. 等CV完美先報

2027 summer一開你就應該開始報

CV可以一路改但好多opening唔會等你準備好

非Business學生更加要早因為你要用時間試市場反應睇邊條route有callback再調整CV同story

最後總結

非Finance / 非Business學生報banking intern唔係冇機會

但你要接受一件事：

你唔可以用Business學生嗰套打法又冇Finance background又冇bank internship但一開波淨係報最熱門嘅IBD / Markets / AM然後冇interview就話自己major輸蝕

你真正要做嘅係：

先搵自己major最合理嘅banking route再用CV將自己嘅background轉成bank會明嘅語言再報1至2條stretch route同時用bridge internship補signal

非Business學生入Bank最重要唔係扮Finance學生

而係令HR睇完你份CV覺得：

呢個major雖然唔typical但佢條路係講得通