第一篇:每到北美精算师考试放榜的日子
每到北美精算师考试放榜的日子,精算界的人士总是夜难成眠,由于美国方面公布成绩时间是下午五点,正是咱国的凌晨五点,从2001年秋天开始的每年的某个凌晨五点,老弟和其他精算界人士一样,准时静候成绩公布,互相通报询问考试结果。而到上个周末,这样的日子将一去不复返了,因为老弟已经通过了最后一门考试,即此,老弟在四年时间内通过八门北美精算师考试,距离正式的精算师(FSA)仅一步之遥了。回想四年老弟的精算师之路,我这老姐也不禁唏嘘感慨。R# E-b6 y0 o)K% a
还得从数学说起,老弟的数学天赋,先是从老妈的口中传出来的。一说起我们小时候的故事,老妈最津津乐道的就是带老弟去市场买菜犹如带一把小算盘,往往老妈和卖菜的大娘还没有算出个几分几毛,老弟在旁边就蹦出一个数字,还特准,惊得卖菜的大娘连呼不得了。那时老弟还没上学,也就四五岁吧。老弟的高中和我一样――柳高,各门功课成绩都很优秀,数学尤为突出,拿过全国高中数学联赛比赛奖。老弟也坦言,他热爱数学。高考选择志愿,全家一致认为除非想做陈景润,数学专业可是选不得。随着老弟如愿进入清华大学化工系,数学爱好的这朵小小火花,算是被残酷的现实扑灭了。
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大学毕业后老弟选择回柳州工作,愿望是想留在爸妈身边。可是现实总是比梦想冷酷无情,在柳州牙膏厂三年,老弟灌过牙膏、研究过洗发水,可是他并不快乐,虽然父母喜欢儿女绕膝,但是更希望儿女有鸿鹄之志展翅飞翔,全家都觉得老弟在牙膏厂呆得没劲。可是,怎么实现职业转变?一本时尚杂志介绍的金领职业――精算师吸引了我的注意。精算师需要突出的数学基础,老弟不正好合适。我把杂志给老弟研究,希望他好好考虑。没多久,老弟就宣布,辞职考研,攻保险精算专业。那真是个现在想起来让我冒冷汗的冒险决定,而且破釜沉舟,这意味着将近一年半时间内老弟处于失业状态。
考研期间种种困难曲折不表,就说这放榜的一段插曲。考研发布成绩那天,老弟一查成绩,居然有一门专业只有35分,不论其他门成绩如何,根本就达不到上线标准,老弟坚持认为这绝对不可能,老弟说可能是因为有几题因为答卷纸写满了,而直接答在试卷的原因。当时全家气氛紧张,乱作一团。我强装冷静,让弟弟和学校联系,说明情况,申请重新阅卷评分。校方接收了申请,只给了一句话,一个星期后等通知。想着老弟考研一年中的压力和辛苦,忍不住悲从中来,打电话给一个好朋友,痛哭了一场。全家在煎熬中等待了一个多星期,命运女神这次好像特别眷顾我那可怜的老弟,校方给老弟打电话,说是校方专门开会进行了研究,认为老弟是清华大学的,基础很好,而且考试成绩不错,其他基础课成绩数学89,英语80,政治71,不愿意失去人才,重新组织了阅卷,并重新报告了教委。虽然没有说到是否录取,但是从老师的口中听来,惜才的意味如此明显,应该是没有问题了。k(n3 [' ^ s8 k
后来老弟不但被录取,而且因为是前五名,还是作为国家公费生,免学费。等待时,老弟曾经说,如果不录取,绝对不会考第二次,计划到深圳重新找工作。那个时候,我深刻领悟一句话,人生的道路虽然很漫长,但是最关键的,也往往就是那几步。* n0 ~$ i7 u& p
终于站在了精算师这个起跑线上了,形势也不容乐观。转行前浪费的几年光阴和考研的一年半时间,即使老弟是五岁半读书,进了南开大学保险研究生专业,也发现自己很落后,同班不少同学本科时候就已经开始了北美精算师考试,有些已经通过四门了。就在老弟半夜三更灌牙膏的时候,人家已经在北美精算师这座山头爬到半山坡啦。4 O* o: ]+ I0 q4 [4 n2 w
还好老弟对自己自信满满,前面四门的考试,主要是数学、保险基础,老弟都以小CASE形容。看来,老弟在精算的道路上,又找到了当初学习数学的那种快乐吧。老弟学习的时候很专注认真,常常做数学题做到窗外已经天黑都未察觉。我学数学,顶多也就是应试型的熟能生巧,题海战术泡出来的,题型练熟了,考试就依葫芦画瓢,知其然不知其所以然。老弟往往能一道题用多个方法解题,还能说出个为什么,一本数学教材他能深入浅出地分析一番,总结些门门道道。# b1 I8 B)u)e4 s2 c!?“ ?
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不过到了精算的第五门考试后,就没那么小CASE了。众所周知,北美精算是英文考试,前四门基本是标准化考试,而从第五门开始则是专业知识和实践运用的结合,而且有主观答题,不但要数学好,还得专业扎实,英文表达能力好才行。
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考第六门的时候,又有个小插曲,老弟查成绩的时候没有找到自己的考号,以为自己落榜了,没有想到两星期后,成绩单邮寄过来了,是合格,原来老弟记错了自己的考号。嗨,这种事情也会有。
在研究生毕业前,老弟正好通过了六门考试,得到一个准精算师(ASA)资格,这在同界毕业的同学里,老弟的成绩是最好的,老弟终于把失去的时间追回来了。
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工作后,一边上班一边备考,压力增大了,第七门考试,失利了,破了逢考必过的记录,只差一分,我们都为老弟惋惜,鼓励他第二年再努力。第八门“特定的高级精算实务”考试非必寻常,不但考点设在香港,而且不是简单地单个笔试,几个人一个小组,做项目。老弟说累得不行,考试进行了两天,尤其第二天考了九个小时之长。为了这次考试还买了一个本本。总算辛苦有所回报,考试终于过关。剩下的第七门考试也在去年11月份重考,老弟更是投入了百倍精力,国庆七天长假也猫在家里啃书。
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通过了八门考试,按北美精算师组织的要求,还不能立即获得证书,需要积满50分培训积分,然后才能去美国领取精算师证书。比如去年老弟有机会被公司派到上海参加了一个精算协会研讨会,累了15分。研讨会是来自亚洲各个国家的精算同行,在分组竞赛中,老弟居然和一个印度人的分在一组,老弟大吐苦水,印度人的英语发音巨古怪巨难听沟通巨困难,弄到前面几轮严重落后,好在后来居上,竟然在最后一把翻盘,大获全胜。!X, @/ D9 _!R, t
据说,工作着是美丽的,那么,能做一份自己喜欢的工作,应该算是锦上添花了吧。祝愿老弟,在精算师的道路上,越走越好
第二篇:Ajmvsk北美精算师考试教材
生活需要游戏,但不能游戏人生;生活需要歌舞,但不需醉生梦死;生活需要艺术,但不能投机取巧;生活需要勇气,但不能鲁莽蛮干;生活需要重复,但不能重蹈覆辙。
-----无名
P: 指定教材:
Fundamentals of Probability ¥200 1.5 kg Solution manual of Fundamentals of Probability ¥80
A First Course in Probability, 7th Ed ¥150 考试manual:
ASM版Exam P 9th Edition(2008秋)study manual ¥90 1.5kg ASM版Exam P 10th Edition(2009春)study manual ¥200 1.5kg ACTEX版 Exam P(2009春)study manual ¥180 1.5kg GUO版 Exam P(2009春)study manual ¥160 1.5kg DAR新版Exam P Equation Study List公式手册 ¥20 FM: 指定教材:
Financial Mathematics ¥70.00 1kg Mathematics of Investment and Credit, 3rd Edition, 2004 ¥120.00 1kg Mathematics of Investment and Credit Solutions Manual ¥80 0.5kg The Theory of Interest 2nd Edition ¥55 1kg Derivatives Markets 2nd edition ¥140.00 2kg(这本书fm mfe c都需要用到)Derivatives Markets Solution Manual Second Edition ¥80.00 0.5kg 考试manual:
ASM版Exam FM 8th Edition(2008秋)study manual ¥160 ASM版Exam FM 9th Edition(2009春)study manual ¥200 1.5kg
ACTEX版 Exam FM(2009春)study manual ¥220 1.5kg GUO版 Exam FM(2009春)study manual ¥180 1.5kg DAR新版Exam FM Equation Study List公式手册 ¥20 MFE: 指定教材:
Derivatives Markets 2nd edition Derivatives Markets Solution Manual Second Edition 考试manual:
ASM版Exam MFE 8th Edition(2008秋)study manual ¥70 1.5kg ASM版Exam MFE 9th Edition(2009春)study manual ¥180 1.5kg ACTEX版 Exam MFE(2009春)study manual ¥240 1.5kg GUO版 Exam MFE(2009春)study manual ¥200 1.5kg MLC: 指定教材:
Actuarial Mathematics, 2nd Edition ¥105.00 2kg Solutions Manual for Bowers' et al Actuarial Mathematics ¥80.00 0.5kg Introduction to Probability Models, 8th Edition, 2003 ¥100 1.5kg 考试manual:
ASM版Exam MLC 7th Edition(2008秋)study manual ¥240 2.5kg ACTEX版 Exam MLC(2008春)study manual ¥130 1.5kg GUO版 Exam MLC(2009春)study manual ¥260 1.5kg DAR新版Exam MLC Equation Study List公式手册 ¥30 C: 指定教材:
Loss Models From Data to Decisions ¥90 2kg Solutions Manual to Loss Models From Data to Decisitions ¥80 0.5kg
Foundations of Casualty Actuarial Science, 4th Edition, 2001 ¥90 1.5kg 考试manual:
ASM版Exam C 8th Edition(2008秋)study manual ¥260 2.5kg ACTEX版 Exam C(2008春)study manual ¥185 1.5kg GUO版 Exam C(2009春)study manual ¥300 2.5kg DAR新版Exam C Equation Study List公式手册 ¥30 Fap:
指定教材,已经全部是最新版的,全套价格为 ¥900(非最新版一套为¥600)Fundamentals of Private Pensions Understanding Actuarial Management: Enterprise Risk Management INVESTMENT SCIENCE Introduction to Ratemaking&Loss Reserving Third Edition Group Insurance 5th edition
Actuarial Aspects of Individual Life Insurance 2nd Edition
第三篇:2013年春季精算师考试经济学(考点)
(1-20)单项选择
1、交叉价格弹性;
2、预算线;
3、消费者剩余价值;
4、市场间相互作用;
5、经济学短期与长期的分类依据啥的;
6、完全竞争(短期均衡条件);
7、共有资源(哪项是);
8、存量和流量(哪项是存量);
9、自然失业率(概念);
10、货币供给减少的结果;
11、货币乘数;
12、经济增长源泉(古典);
13、治理通货膨胀(货币主义的观点);
14、扩张性货币政策;
15、国际收支平衡;
16、国际收支(经常账户);
17、人民币升值原因;
18、金融市场划分;
19、股票价格编制方法(最常用的);20、CAPM理论。
(21-40)多项选择
1、资本品;
2、消费者无差异曲线;
3、消费者对物品的需求因素;
4、完全竞争市场的长期均衡条件;
5、古诺模型的基本假设;
6、垄断竞争市场特点;
7、生产可能性曲线;
8、私人选择的特征;
9、GDP支出法的构成;
10、平衡预算乘数;
11、凯恩斯货币需求动机;
12、影响LM曲线移动因素;
13、影响企业投资决策因素;
14、政府收入来源;
15、中央银行资产;
16、一般性货币政策工具;
17、货币制度内容;
18、国际收支赤字的调节措施;
19、三元悖论;20、投资银行业务。
(41-43)简答题
1、公共产品;
2、持久收入假说;
3、利率的期限结构。
(44-45)计算题
1、完全竞争市场的均衡;
2、LM,IS。
(46)论述题
用微观经济学管理论述如何治理环境污染。
第四篇:dc-qagw0年精算师考试50种失败原因总结(英文版)
、.~ ① 我们‖打〈败〉了敌人。
②我们‖〔把敌人〕打〈败〉了。
2010年精算师考试50种失败原因总结(英文版)
Bring a pillow.Fall asleep(or pretend to)until the 15 minute warning is called.Wake up, say “oh geez, better get cracking” and do some gibberish work.Turn it in a few minutes early.Get a copy of the exam, run out screaming “Andre, Andre, I've got the secret documents!”
Respond to the written-answer questions in limerick form.(“There once was a trend factor from Cork....”)
Make paper airplanes out of the exam.Aim them at the proctor's left nostril.Talk the entire way through the exam.Read questions aloud, debate your answers with yourself out loud.If asked to stop, yell out, “I'm SOOO sure you can hear me thinking.” Then start talking about what a jerk the proctor is.Bring cheerleaders.Walk in, get the exam, sit down.About five minutes into it, run out, screa e to leave the country“ and run off.Fifteen minutes into the exam, stand up, rip up all the papers into very small pieces, throw them into the air and yell out ”Merry Christmas.“ If you're really daring, ask for another copy of the exam.Say you lost the first one.Repeat this process every fifteen minutes.Do the exam with crayons, paint, or fluorescent markers.Come into the exam wearing slippers, a bathrobe, a towel on your head, and nothing else.Come down with a BAD case of Turret's Syndrome during the exam.Be as vulgar as possible.Do the entire exam in another language.If you don't know one, make one up!
Bring things to throw at the proctor when s/he's not looking.Blame it on the person nearest to you.As soon as the proctor hands you the exam, eat it.Walk into the exam with an entourage.Claim you are going to be taping your next video during the exam.Try to get the proctor to let them stay, be persuasive.Tell the proctor to expect a percentage of the profits if they are allowed to stay.Every five minutes, stand up, collect all your things, move to another seat, continue with the exam.Turn in the exam approximately 30 minutes into it.As you walk out, start commenting on how easy it was.On math-oriented written-answer exams, use Roman numerals.Bring a black marker.Return the exam with all questions and answers completely blacked out.Get the exam.Twenty minutes into it, throw your papers down violently, scream out ”F---this!“ and walk out triumphantly.Arrange a protest before the exam starts.(i.e.Threaten the proctor that whether or not everyone's done, they are all leaving after one hour to go drink.)
Show up completely drunk.(Completely drunk means at some point during the exam, you should start crying for mommy).Every now and then, clap twice rapidly.If the proctor asks why, tell him/her in a very derogatory tone, ”the light bulb that goes on above my head when I get an idea is hooked up to a clapper.DUH!“
Comment on how sexy the proctor is looking that day.Come to the exam wearing a black cloak.After about 30 minutes, put on a white mask and start yelling ”I'm here, the phantom of the opera“ until they drag you away.Relate the answers to all written-answer questions to your life story.Upon receiving the exam, look it over, while laughing loudly, say ”you don't really expect me to waste my time on this drivel? Days of our Lives is on!!“
Bring a water pistol with you.Nuff said.From the moment the exam begins, hum the theme to Jeopardy.Ignore the proctor's requests for you to stop.When they finally get you to leave one way or another, begin whistling the theme to the Bridge on the River Kwai.Start a brawl in the middle of the exam.When answering math-related written answer questions, make up the longest proofs you could possibly think of.Get pi and imaginary numbers into most equations.Come in wearing a full knight's outfit, complete with sword and shield.Bring a friend to give you a back massage the entire way through the exam.Insist this person is needed, because you have bad circulation.Bring cheat sheets FOR A DIFFERENT EXAM and include them with your written answer papers with the comment: ”Please use the attached notes for references as you see fit.“
When you walk in, complain about the heat.Strip.After you get the exam, call the proctor over, point to any question, ask for the answer.Try to work it out of him/her.One word: Wrestlemania.Bring balloons, blow them up, start throwing them around like they do before concerts start.Try to get people in the room to do the wave.Play frisbee with a friend at the other side of the room.Bring some large, cumbersome, ugly idol(e.g., The God/Goddess of Partial Credit).Put it right next to you.Pray to it often.Consider a small sacrifice.Get deliveries of candy, flowers, balloons, telegrams, etc...sent to you every few minutes throughout the exam.During the exam, take apart everything around you.Desks, chairs, anything you can reach.Complete the exam with everything you write being backwards at a 90 degree angle.Bring a musical instrument with you, play various tunes.If you are asked to stop, say ”it helps me think.“ Bring a copy of the Syllabus with you, challenging the proctor to find the section on musical instruments during exams.Don't forget to use the phrase ”Told you so“.Answer one written answer question with the ”Top Ten Footnotes of The CAS Syllabus."
第五篇:btdoevq2_010年精算师考试50种失败原因总结(英文版)_
^ | You have to believe, there is a way.The ancients said:“ the kingdom of heaven is trying to enter”.Only when the reluctant step by step to go to it 's time, must be managed to get one step down, only have struggled to achieve it.--Guo Ge Tech
2010年精算师考试50种失败原因总结(英文版)
Bring a pillow.Fall asleep(or pretend to)until the 15 minute warning is called.Wake up, say “oh geez, better get cracking” and do some gibberish work.Turn it in a few minutes early.Get a copy of the exam, run out screaming “Andre, Andre, I've got the secret documents!”
Respond to the written-answer questions in limerick form.(“There once was a trend factor from Cork....”)
Make paper airplanes out of the exam.Aim them at the proctor's left nostril.Talk the entire way through the exam.Read questions aloud, debate your answers with yourself out loud.If asked to stop, yell out, “I'm SOOO sure you can hear me thinking.” Then start talking about what a jerk the proctor is.Bring cheerleaders.Walk in, get the exam, sit down.About five minutes into it, run out, screa e to leave the country“ and run off.Fifteen minutes into the exam, stand up, rip up all the papers into very small pieces, throw them into the air and yell out ”Merry Christmas.“ If you're really daring, ask for another copy of the exam.Say you lost the first one.Repeat this process every fifteen minutes.Do the exam with crayons, paint, or fluorescent markers.Come into the exam wearing slippers, a bathrobe, a towel on your head, and nothing else.Come down with a BAD case of Turret's Syndrome during the exam.Be as vulgar as possible.Do the entire exam in another language.If you don't know one, make one up!
Bring things to throw at the proctor when s/he's not looking.Blame it on the person nearest to you.As soon as the proctor hands you the exam, eat it.Walk into the exam with an entourage.Claim you are going to be taping your next video during the exam.Try to get the proctor to let them stay, be persuasive.Tell the proctor to expect a percentage of the profits if they are allowed to stay.Every five minutes, stand up, collect all your things, move to another seat, continue with the exam.Turn in the exam approximately 30 minutes into it.As you walk out, start commenting on how easy it was.On math-oriented written-answer exams, use Roman numerals.Bring a black marker.Return the exam with all questions and answers completely blacked out.Get the exam.Twenty minutes into it, throw your papers down violently, scream out ”F---this!“ and walk out triumphantly.Arrange a protest before the exam starts.(i.e.Threaten the proctor that whether or not everyone's done, they are all leaving after one hour to go drink.)
Show up completely drunk.(Completely drunk means at some point during the exam, you should start crying for mommy).Every now and then, clap twice rapidly.If the proctor asks why, tell him/her in a very derogatory tone, ”the light bulb that goes on above my head when I get an idea is hooked up to a clapper.DUH!“
Comment on how sexy the proctor is looking that day.Come to the exam wearing a black cloak.After about 30 minutes, put on a white mask and start yelling ”I'm here, the phantom of the opera“ until they drag you away.Relate the answers to all written-answer questions to your life story.Upon receiving the exam, look it over, while laughing loudly, say ”you don't really expect me to waste my time on this drivel? Days of our Lives is on!!“
Bring a water pistol with you.Nuff said.From the moment the exam begins, hum the theme to Jeopardy.Ignore the proctor's requests for you to stop.When they finally get you to leave one way or another, begin whistling the theme to the Bridge on the River Kwai.Start a brawl in the middle of the exam.When answering math-related written answer questions, make up the longest proofs you could possibly think of.Get pi and imaginary numbers into most equations.Come in wearing a full knight's outfit, complete with sword and shield.Bring a friend to give you a back massage the entire way through the exam.Insist this person is needed, because you have bad circulation.Bring cheat sheets FOR A DIFFERENT EXAM and include them with your written answer papers with the comment: ”Please use the attached notes for references as you see fit.“
When you walk in, complain about the heat.Strip.After you get the exam, call the proctor over, point to any question, ask for the answer.Try to work it out of him/her.One word: Wrestlemania.Bring balloons, blow them up, start throwing them around like they do before concerts start.Try to get people in the room to do the wave.Play frisbee with a friend at the other side of the room.Bring some large, cumbersome, ugly idol(e.g., The God/Goddess of Partial Credit).Put it right next to you.Pray to it often.Consider a small sacrifice.Get deliveries of candy, flowers, balloons, telegrams, etc...sent to you every few minutes throughout the exam.During the exam, take apart everything around you.Desks, chairs, anything you can reach.Complete the exam with everything you write being backwards at a 90 degree angle.Bring a musical instrument with you, play various tunes.If you are asked to stop, say ”it helps me think.“ Bring a copy of the Syllabus with you, challenging the proctor to find the section on musical instruments during exams.Don't forget to use the phrase ”Told you so“.Answer one written answer question with the ”Top Ten Footnotes of The CAS Syllabus."