kqxdsa輝煌人生路——精算師-文庫吧資料
2025-08-10 09:41本頁面
【正文】 d business skills is helping to solve a growing variety of financial and social problems. Actuaries make financial sense of the future. How? An actuary applies mathematical models to problems of insurance and finance. To be more specific, actuaries improve financial decision making by developing models to evaluate the current financial implications of uncertain future events.If you have never met an actuary, that39。s negligence. A casualty actuary39。s occupation, that bestows on him the designation of actuary. Admission to the professional societies requires passing a series of rigorous examinations. But what in the world is an actuary? Before that question is answered, here are a few definitions, and characterizations, that have surfaced over a long period of years from outside the profession: An actuary is a place where they bury dead actors. An actuary is what you get when you cross a puter with a gypsy fortune teller. A puter is an actuary with a heart. An actuary is one whose main object is to justify by reason a course of action adopted in error. And the classic definition: An actuary is a person who can pursue a straight line from an unwarranted assumption to a foregone conclusion. Seriously, one of the most accepted definitions is that an actuary is one trained in evaluating the current financial implications of future contingent events. But that definition is pretty fancy. Almost all actuaries are in insurance,so a simple definition is that an actuary is a mathematician dealing with probabilities in the insurance business. A Fellow of the Society of Actuaries normally spends his career in life insurance. His principal functions are to calculate the probabilities of when people will die and, from those, to calculate rates and establish reserve funds to enable a pany to pay the proceeds of life insurance policies and to pay annuities and pensions. A life actuary also would calculate, for example, the funds to be held by a munity like Medford Leas to meet its obligations to its residents. Such calculations would be based in part on the expected average mortality of the residents. A Fellow of the Casualty Actuarial Society normally deals with insurance other than life, ., automobile, workers39。對(duì)于歷史的、社會(huì)立法和政治問題也比較感興趣。據(jù)預(yù)測(cè),我國未來五年急需5000名精算人才?！ 雎殬I(yè)趨勢(shì) 精算師的誘人之處首先表現(xiàn)在精算師有較高的社會(huì)地位,有人說,按英國標(biāo)準(zhǔn)來講,中國只有兩個(gè)精算師,而按美國精算師學(xué)會(huì)的名單,中國尚不存在一個(gè)合格的精算師。專家認(rèn)為,精算在中國發(fā)展存在的一個(gè)問題是能否支付精算師高昂的薪水并且公平地雇用精算師?！ 雎殬I(yè)現(xiàn)狀 目前,國內(nèi)已有40名學(xué)員獲得了準(zhǔn)精算師資格?？忌ㄟ^全部九門課程考試后，將獲得準(zhǔn)精算師資格?！ 雎殬I(yè)資格 1999年7月16日，中國舉行首次精算師資格考試?！ 雎殬I(yè)描述 精算師是運(yùn)用精算方法和技術(shù)解決經(jīng)濟(jì)問題的專業(yè)人士。如現(xiàn)在中國身價(jià)最高的精算師——，據(jù)估計(jì)，他的身價(jià)至少為每年300萬人民幣，國內(nèi)精算師的身價(jià)僅為50萬至60萬人民幣。要通過精算師的考試，七八年是正常的，而十幾年還未通過考試的例子在薄衛(wèi)民身邊并不鮮見。當(dāng)年決定考精算師的動(dòng)力只是想從考研的失利中尋找些許自信，沒想到一不小心給考上了。北美精算學(xué)會(huì)是在人壽保險(xiǎn)、健康保險(xiǎn)和年金保險(xiǎn)領(lǐng)域從事研究、考試和接受會(huì)員的國際組織，它負(fù)責(zé)從吸收非正式會(huì)員到正式會(huì)員的一系列考試。取得精算師資格必需通過一些科目的嚴(yán)格考試，并獲得精算組織的認(rèn)可。這樣，精算師才能對(duì)經(jīng)濟(jì)環(huán)境的變化有較強(qiáng)的反應(yīng)能力。成為精算師
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