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Bank of detail
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 Initial formation or training in alternation, the ways to integrate the bank is varied, at the end of a short course or after a longer university formation.
The banks propose then many devices of continuous training, making it possible to their collaborators to evolve/move in their career: formations diplômantes recognized by the whole of the profession, as well as qualifying formations.
Only the formations preparing with the specifically banking trades are presented here.
However, the banks recruit also graduates for families of trades common to much of companies, like the trades of data processing, the communication, human resources, the organization, logistics
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Initial formations
The short higher studies, in fact the commercial formations are above all required (BTS and HAD).
• Patents of high-level techniciens (BTS): BTS banks of the private individuals, BTS insurances, BTS negotiation and client relationship (NRC), BTS management of the commercial units (million u.a., commercial ex-action), BTS accountancy and management of the organizations, business data processing BTS.
• University diplomas of technologies (HAD): techniques of marketing, administration and business management, data processing...
University formations and schools
• The formations whose professional outlets are relatively broad and in particular at the schools of engineers, at the universities for the formations in right, economic sciences, with the political institutes of studies (IEP) and with the commercial schools
• With the trainings specialized in the banking field and/or financier: masters professional or seeks, mastères specialized, magistères.
Masters of M1 level:
• M1 formations are offered in the fields of the bank and the insurance, making it possible for some of them to reach the master m2 following the selected option.
Masters of level m2:
• Professional masters (ex-DESS): more than 200 specialized trainings banks/management/accountancy/finances are prepared in the universities (finance, finance of company, banks, finance and international trade, careers banking and financial, technical financial and banking, patrimonial and financial management...)
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 • Masters of IUP: the professionnalized university institutes (IUP) developed in the speciality engineering of the bank, finances, insurance, a network of ten universities distributed on the own territory and which deliver a master and a title of engineer-Master.
• The masters research (ex-DEA): ten formations banks finance are prepared in the universities (international economy and finance, markets and intermediaries financial, bank and finance, finance and taxation...)
• Specialized mastères: more than one around fifty of courses suggested by the schools adhering to the Conference large schools: financial engineering, approach of the risks, management, international finance.
• Magistères: diploma which prepares in 3 years after a diploma vat + 2 or equivalent.
There is ten approximately on the topics economy, finance and management.
Trainings in alternation (apprenticeship contracts and contracts of professionalisation). Alternation is a very good formula to effectively integrate the banking environment into all levels, of vat vat + 5.
One counts approximately 7800 alternating in the banks in 2005. To facilitate the development of these new formulas of professional insertion, which interest an increasing number of students and companies, the profession obtained 12 CFA Banks (centers of apprentice training), in the mobility of the Center of formation of the banking profession (CFPB).
Partnerships also make it possible to prepare diplomas in alternation in other teaching sites. Alternation experiences a very strong development today.
For three years, the number of alternating has increased by 10 % per annum in CFA Banks and this evolution will continue in the next years. One distinguishes two great families from trainings in alternation in the banks: the qualifying formations diplômantes and formations.
The most widespread formations diplômantes prepare:
• with does the professional patent bank (LP banks)
• with does the BTS Bank (options gone of the private individuals, market of the professionals)
• with does the professional licence bank (university diploma)
• with professional masters (university diplomas).
Qualifying formations
The qualifying courses or cycles professionnalisants are proposed at the request of the banking companies and meet specific needs, in particular the formation with trades of the banking exploitation or commercial trades.
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 The marks come to compete with the bank cards
Since October 1, 2007, the marks have the possibility of affixing their logo on purchasing cards and of including specific services there.
What the cobrandées charts do they bring to the consumers again ?
In addition to the functions of payment and withdrawal of the traditional bank cards, the cobrandée chart also constitutes an instrument of credit. The latter incontestably will develop even if the rate suggested - enters 14 and 16% - is very high.
Thanks to the operations carried out with this chart, the customers will also profit from advantages on the products and services of the mark. For example, Nouvelles Borders, which already crossed the step, functions with a system of accumulation of points in order to offer a voyage. In the same way, FIAT 500 proposes reductions on the services of automobile maintenance.
In the immediate future, it is difficult to know which prices will be practised. However, taking into account the margins carried out by the banks thanks to the function credit, it is possible that the contributions are less low than for the traditional credit cards, which could consequently cause a drop in the price of these last.
Precisely, in what the cobrandées charts they are interesting for the marks ?
They are for them a tool development of consumer loyalty their customers through commercial advantages. Thanks to these charts, they will maintain a daily relation with the customer. Moreover, that will enable them to generate additional incomes, via the function credit associated with the cobrandée chart.
The Grouping of the bank cards prohibited these charts hitherto. What changed ?
This reversal is primarily due to an evolution of the EU law, and in particular to the birth of the project SEPA (Individual Euro Payments Area) in 2002 which pursues the goal to create a domestic zone of payment in Europe. If one adds the competition of the other European countries who have, for the majority, already launched this product, one realizes that the appearance of the cobrandées charts falls under a certain logic.
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Bank of detail
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