美研专业之精算

精算是运用概率统计数学理论和多种金融工具， 做出经济活动分析和经营决策计划。

• Actuarial science 一般隶属数学和统计系下，一些学校根据学习内容的不同或学校

自身的优势将其设置在商学院或运筹学院下

• 较注重本科教育，硕士有些在继续教育学院，有些是certificate

• 更注重本科教育

• 大多偏重于某一应用点

例子：

1. 威斯康辛麦迪逊—12个“卓越精算中心”之一，开

设在商学院下，偏重金融领域，衍生产品应用方面

2. Georgia state u—侧重于enterprise risk

management， risk management，minimize risk等

3. 有些侧重于在医疗保险的应用或寿险方面

哥大：要求have acknowledge of elementary economics, linear

algebra, multivariate calculus.

• University of Connecticut 要求本科毕业于数学， 统计，物理，工

程，或者数量经济学等方面学生， 本科课程至少有学过calculus 三

个学期以上， 1-2学期的different equations， 以及 linear algebra

and mathematical probability or mathematical statistics.

• 一般要求GRE ， 甚至一些学校要求 GRE sub

• 有MCM 建模等数据模型处理经历会有一定帮助

院校详解-University of Michigan-Ann Arbor

学位：Actuarial Mathematics Master's Program

链接：https://lsa.umich.edu/math/graduates/applying.html

项目介绍

There are four programs leading to the Master’s Degree in Mathematics. These programs include:

• General Mathematics Master's Program

• Applied Mathematics Master's Program

• Mathematics Program for Secondary School Teachers

• Actuarial Mathematics Master's Program

• Details about the various Mathematics Master's Degree programs can be found here. If you would like to apply to a Mathematics Master's

Degree program, please visit our Admissions page.

入学要求：

Mathematics Ph.D. & Mathematics Master's Admission Requirements

The undergraduate major need not be mathematics, but a student should have mastered material roughly equivalent to the

undergraduate mathematics major at The University of Michigan including:

three semesters of calculus

one or two semesters of differential equations

one semester courses in modern algebra, linear algebra, geometry or topology

advanced calculus of one and several variables

In addition, a student should have completed at least three additional mathematics courses and at least two courses in

related fields such as statistics, computer science, or the physical sciences. Students with strong records in less

comprehensive programs will be considered for admission but if admitted should expect to spend the first one or two

semesters in graduate school completing their undergraduate preparation in mathematics. Based on historical data, we

expect that successful applicants to the Ph.D. program will have an overall GPA of at least 3.3 on a 4.0 scale.

院校详解-Boston University Master of Science in Actuarial Science

链接：http://www.bu.edu/met/programs/graduate/actuarial-science/

项目介绍：

The Master of Science (MS) in Actuarial Science gives you the skills to become a successful actuary. You’ll gain a solid

academic foundation through specialized courses in actuarial science, statistics, finance, and related fields. You will also

benefit from practical exposure to business and economic principles. We offer the opportunity for you to understand the

fiscal and ethical dilemmas often encountered in the process of business decision-making.

• Actuarial Science Concentrations

• Students in the MS in Actuarial Science program may select one of two concentrations:

• Insurance

• Mathematical Finance

入学要求：

To satisfy the minimum requirements to be considered for the Master of Science in Actuarial Science degree program,

applicants must:

• Have a bachelor’s degree

• Have completed two semesters of calculus (equivalent to MET MA 123 and 124) and one semester of multivariate

calculus (equivalent to MET MA 225)

• Submit the results of the Test of English as a Foreign Language (TOEFL) exam (international students only)

• In certain cases, the Admissions Committee may request an applicant to submit official scores from the Graduate

Record Exam (GRE) or the Graduate Management Admissions Test (GMAT).

• A maximum of two graduate-level courses (8 credits) taken at Metropolitan College before acceptance into the program

may be applied toward the degree.

院校详解-GEORGE MASON UNIVESITY

链接：http://catalog.gmu.edu/preview_program.php?catoid=19&poid=17597&return

to=4105

Actuarial Sciences Graduate Certificate

• The certificate in actuarial sciences is designed to serve students and professionals

in the Washington, D.C., area who are interested in pursuing careers as actuaries.

The course content provides students with specific training related to the Society of

Actuaries (SOA) Exam FM (formerly Course 2), SOA Exam MLC (formerly Course 3),

SOA Exam C (formerly Course 4), VEE for applied statistics (formerly part of Course

4), and Exam EA-1 and EA-2A (for those pursuing EA designation from the U.S.

Treasury). The courses also provide a solid foundation for the corresponding

Casualty Actuary Society (CAS) exams. Preparation for the first exam is equivalent to

meeting the prerequisites for the certificate courses in the area of probability and

statistics. Students enrolling in the actuarial sciences certificate program must

complete the 6 course (18 credit) curriculum requirement described below.

• The graduate certificate in actuarial sciences may only be pursued on a part-time

basis.

• This program of study is offered by the Department of Mathematical Sciences in

the College of Science.

• Students intending to pursue a certificate in the actuarial sciences must have three

semesters of calculus, a course in linear algebra (equivalent to MATH 203), a

calculus-based course in probability (equivalent to MATH 351), and statistics

(equivalent to MATH 352). Completion of the SOA Exam P is also sufficient

preparation for the certificate program.

精算师 • SOA是Society of Actuaries的缩写，即北美精算协会。它主要从事寿险精算领域的科学研

究和职业培训。其高级精算师认证可以说是寿险精算领域甚至整个精算行业最权威的

认证。

• 北美精算学会是一个国际性的精算教育和研究机构及其会员的一个学术团体，成立于

1949年，总部设在美国伊利诺斯州肖伯格。中国于1987年引入北美精算师考试。北美

精算师是目前国际上最具影响力的精算师资格。

• 北美精算师考试制度分为二个阶段：第一阶段是准精算师（ASA）。对准精算师的考试

要求为300学分，即除了100系列的11门课程（复利数学、精算数学等）外，还须通过

200系列的4门课程（经济保障计划、精算实务等）。每门课在10至30学分不等。

• 第二阶段是正精算师（FSA）。考生在取得准精算师资格证书后才可参加FSA课程考试。

把正精算师的考试课程分为财务、团体与健康保险、个人人寿与健康保险、养老金、

投资五个方向，每个方向又分若干门课，每门课学分在10至30分不等。要取得FSA资格

必须通过以上一个方向的所有课程考试，以及再选择以上方向的其他课程，使学分达

到150分，即学分总计要达到450分。当FSA要素的课程考试全部通过后，考生还要参加

最后一门课程正精算师认可课程（FAC），其内容主要是职业道德和案例，时间为二天

半，一般只要自始至终参加，在结束后的晚宴上会获得FSA证书。

• 中国考点：先后在天津、长沙、上海、北京、广州、合肥、西安、深圳设立了8个考点。

精算师是运用精算方法和技术解决经济问题的专业人士。精算师传统的工作领域为商业保险业，主要从事产品开发、责任准备金核算、利源分析及动态偿付能力测试等重要工作。

• 保险公司、咨询公司工作、政府机构和高等院校都迫切地需要这些人才。