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1、精算学与精算考试（Society of Actuaries）,2004级本科生2006年12月15日 北京大学,愉快而紧张的精算之夜！,Agenda-提纲,精算学（Science）职业-精算师（Profession）精算考试（Certification）FAQ,精算学,定义起源内容理论+应用,定义,研究未来的不确定的损失对当前经营的财务影响关键词未来-时间性不确定性-随机性财务-现实性,起源,生命表-人寿保险保险业的发展金融业的发展,内容,数学、统计基础抽象的数量关系逻辑分析建模经济、金融基础理论、理念、思想方法知识,理论+应用,理论风险模型客观风险：概率分布风险偏好：效用度量的研究应用定价评
2、估,职业-精算师.精算学和精算考试介绍-2006年12月15日SOA_Brand.wmv,Whats an actuary?-background,The future is full of uncertainty.Some of the events that can happen are undesirable.Risk is the possibility that an undesirable event will occur.,The impact of undesirable events can be both emotional and financial.Reducing t
3、he likelihood of these events helps relieve emotional pain.But some events,such as death,cannot be totally avoided.So,reducing their financial impact is very important.,Whats an actuary?,Actuaries are experts in:evaluating the likelihood of future events,designing creative ways to reduce the likelih
4、ood of undesirable events,decreasing the impact of undesirable events that do occur.,Actuaries are the leading professionals in finding ways to manage risk.It takes a combination of strong analytical skills,business knowledge and understanding of human behavior to design and manage programs that con
5、trol risk.,Actuaries love what they do.Their work is intellectually challenging and they are very well-paid.Actuaries are key players in the management team of the companies that employ them.,In a fast-changing world,with new risks and the need for ever-more creative ways to tackle them,there is the
6、 constant opportunity for personal and professional growth in an actuarial career,and the pleasure of life-long learning.Most actuaries work in a pleasant environment,alongside other professionals,and enjoy the respect of their peers,Actuaries are the analytical backbone of our societys financial se
7、curity programs.They are the brains behind the financial safeguards we have implemented in our personal lives,so we can go about our daily lives without worrying too much about what the future may hold for us.These are the safeguards that protect us from lifes catastrophes.,The insight into risk tha
8、t actuaries have also helps to ensure that our savings are working hard for us,so that everything we love and cherish can grow and flourish.The work of actuaries benefits all of us.,What is risk and how do actuaries manage risk?,Every person and organization faces risk,and it comes in many forms.Act
9、uaries contribution to societys psychological,physical and economic well-being is immense.If the risk management programs actuaries develop dont exist,our economic growth would be greatly impacted.,Here are a few examples:,身故风险？每个人的生命价值对自己而言都是一样的吴老师你如何对待？8年内储蓄、投资无所谓风险评估吴老师：43岁11.017学生：21岁2.7144倍的保费,
10、Some popular techniques include:,Offsetting one risk with another.,Under certain circumstances,two harmful events might possess the characteristic that when the likelihood of one goes up,the likelihood of the other goes down.Thus,if we know that when coffee prices go up,soda prices go down,we might
11、want to invest in both coffee and soda stocks,to manage our risk.,Risk is a matter of perspective,What might be harmful to one party,might be good for another.For example,when the value of the dollar goes down against the French Franc,that might be bad for an American business,but favorable for a Fr
12、ench business.By trading off the consequences of an undesirable event with another party who is affected favorably,both parties are made better off.,Mathematical theory shows that the greatest relief from risk(and consequently,the greatest increase in peace of mind)comes from eliminating the consequ
13、ences of events that are very unlikely,but result in very big losses.Thus,families should think about what might happen if the breadwinner dies,their house burns down,or they lose all of their savings.They should then implement solutions that reduce the likelihood of these events,as well as manage t
14、heir financial impact.This might involve purchasing a life insurance policy or investing the savings in many different stocks,to reduce the exposure to any one companys fortunes.Generally,a few simple measures taken to address catastrophic risks have a great impact on our well-being.,Focus on catast
15、rophic risks,It is better to take on many small risks than face one big risk.Many small risks generally average out,to give an outcome that is not too extreme in one direction or another.Results become more predictable.Thus,diversification is an important tool in managing risk.,Diversify,diversify,d
16、iversify.,Where do actuaries manage risk?,At this time,the majority of actuaries work in careers that are associated with the insurance industry,though growing numbers work in other fields.They are heavily involved in insurance because that is societys most powerful answer for managing risk.We reduc
17、e our risk of financial loss by transferring it to an insurance company that accepts the risk for a price(which is the insurance premium).,Actuaries play a key role to design insurance plans,determine the premium,monitor the profitability of insurance companies and recommend corrective action when a
18、ppropriate.Actuaries working in insurance companies also ensure that insurance companies have set aside enough funds to pay claims and provide advice on how to invest the insurance companies assets.,Actuaries work in all sectors of the economy,though they are more heavily represented in the financia
19、l services sector,including insurance companies,commercial banks,investment banks and retirement funds.They are employed by corporations as well as the state and federal government.Many work for consulting firms.Some are self-employed,enjoying financially rewarding careers that also come with the gr
20、eat flexibility of being ones own boss.,精算考试,Society of Actuaries中国精算师资格考试,SOA,MemberASAFSAExaminationCourse.精算学和精算考试介绍-2006年12月15日Spring 2007 Basic Education Catalog-courselist.htmTiming,SOA的职业和考试情况（2003）,Number of SOA Members,SOA Membership By Region,Source:SOA Membership DatabaseSource:SOA Member
21、ship Database,SOA MembershipAsia Pacific Region,Course 1 Students(total=5,647),Courses 1-5 Students(total=13,408),Courses 1-8 Students(total=15,210),中国精算师,2000年开始2000-2004，每年一次2005开始每年两次截至2006年10月56名FSA287名ASA,相关的信息（国际）,Be An Actuarieswww.beanactuaries.orgSoAwww.soa.orgCASwww.casact.orgIAAwww.actaur
22、ies.org,相关的信息（中国）,中国精算网精算家园复旦精算之家南开精算家园北大精算之家BBS,FAQ,数学与精算,为什么要学习这么难的数学?兴趣、爱好、衣食不愁过渡仅仅作为训练和工具什么是你最兴奋和能够坚持的东西？逻辑分析能力观察力你对社会的变化敏感吗？,Why you?,你的未来职业方向学术研究业界的实务工作你的特点目标明确、不容易改变不容易抵御流行的看法你的条件成绩的表现可能的原因,Whats your prepare?,未来职业发展的选择专业数学学得好数学学得不是很理想家人对你的影响如果不是非常的明确，不要过早参与。,写给新人.写给打算考精算的新人.pdf,近期的安排,了解信息报名1月10日Exam FM:Financial Mathematics*，Friday,May 25，2.5 hours 申请折扣号准备考试,欢迎提问！,
