精算學 Actuarial Science

精算師為了把未知事件帶來的情緒失落和財務損失降到最低,要對事件發生的機率和可能導致的後果進行評測。比如死亡,許多事件都是無法避免的。因此,採取措施讓事件發生時造成的財政衝擊減小是很有裨益的。這些風險會對資產負債單上的借貸雙方造成影響,因此,進行資產債務管理,具備評估技能都必不可缺。只有具備分析技能和商業知識,做到洞悉人類行為和信息系統的變幻莫測,才能設計和管理風險控制機制。
大部份的精算師都會於財產保險或人壽保險公司工作,工作範圍包括設計新品種的保險產品,計算有關產品之保費及所需的準備金,為保險公司作風險評估及制定投資方針,並定期作出檢討及跟進。
其餘的精算師主要在諮詢公司(主要的客戶是保險公司及銀行),退休金精算公司(計算企業財報需揭露的員工退休金負債及成本),養老金投資公司,醫療保險公司及投資公司工作。

要考取英國精算師資格,有兩種方法:

1. 成為準精算師會員Associate member: 
-需要通過基礎技能課程9門
-需要通過基礎應用課程3門
-至少工作1年
-參加過專業技能課程

2. 成為精算師會員Fellow: 
-需要通過基礎技能課程9門
-需要通過基礎應用課程3門
-需要通過專項技能課程2門(任選)
-需要通過專項應用課程1門(任選)
-至少工作3年
-參加過專業技能課程

而澳洲的精算專業考試可分為三個階段。第一階段是在澳洲大學修讀相關的精算學科,如金融、財務數學、經濟、機率與統計、保險等等;第二階段則是Actuarial Control Cycle,考生須在指定的大學參加相應的考試而取得學分;第三階段則須通過四項不同形式的考核和考試,可同時在相關行業一邊工作,一邊考試。完成前兩個階段,在取得兩年工作經驗後,可申請成為準精算師(AIAA)。具備三年以上相關工作經驗,透過參加職業化課程可取得精算師資格;要取得終極FIAA澳洲精算學會院士尚要在第三階段修讀專業課程和完成四項考核。

 

學校介紹 :

英國 - University of Leicester

BSc Mathematics and Actuarial Science (3 years full-time)

BSc Mathematics and Actuarial Science with Year in Industry (4 years full-time)

On this course you will become comfortable with data and with its manipulation. You will also develop great team working skills and persuasive communication techniques. Crucially, you will be in a position to know why you are in an organisation and what you can contribute.

Completing this degree can lead to you obtaining exemptions from the first tier of the Institute and Faculty of Actuaries' exams, alongside a wide range of related skills which will enable you to add value in many areas for your future employers.

Leicester is one of the first universities to fully embed the Institute and Faculty of Actuaries' Curriculum 2019 syllabus into our Actuarial courses. This means we integrate more business-focused knowledge and skills, such as data science and predictive analytics, as well as focusing more keenly on the development of personal and professional competencies. With the added benefit of an optional year in industry, this will help you become more work-ready in a competitive environment.

課程介紹:

更多學校資料:

https://www.risesmart.com.hk/college/united-kingdom-1/leicester/private-college/university-of-leicester-isc/

 

澳洲 - Australian National University 

Bachelor of Actuarial Studies (3 years full-time)

This is the esteemed degree that will make you a thought leader in financial fields. With an ANU Bachelor of Actuarial Studies you will excel your career literally anywhere in the world.

Risk is all around us - in investment markets, on the roads, from our health and the climate. This degree will teach you how to apply your mathematical talent in understanding, measuring and managing the risks.

Graduates will apply mathematical, statistical, financial, economic and other skills to untangle the most complex and difficult problems facing the commercial world.

課程介紹:

更多學校資料:

https://www.risesmart.com.hk/college/australia-1/acton/private-college/australian-national-university-anu-college/