精算师可以做哪些方面的工作
精算师的职业生涯被喻为“金领中的金领”。因为在发达国家,精算师既是商业保险界的核心精英,又可在金融投资、咨询等众多领域担任要职。下面举例较常见的:
领域 |
职责 |
Banking and Financial Services金融服务 |
help banks and financial services companies with product portfolio, capital management and risk analysis帮助银行和金融服务公司进行产品组合、资本管理和风险分析 |
Consulting 咨询 |
advise clients on actuarial financial risks, usually associated with employee benefits and insurance为客户提供精算财务风险方面的咨询,通常与员工福利和保险有关 |
Enterprise Risk Management企业风险管理 |
provide tools, techniques and perspective to manage operational risks at an enterprise or corporate level提供工具、技术和视角来管理企业或企业级别的运营风险 |
Entrepreneurial Actuaries 创业精算师 |
represents a wide range of opportunities for actuaries who desire to set up and run their own business为那些希望建立和经营自己业务的精算师提供了广泛的机会 |
Environmental Finance环境金融 |
apply finance techniques and practices to environmental issues将金融技术和实践应用于环境问题 |
Health and Retirement Financing健康和退休筹资 |
offer advice on aspects of social insurance including funding levels and population projections就社会保险的各个方面提供咨询意见,包括筹资水平和人口预测 |
Investments and Fund Management投资和基金管理 |
focus on asset risks for asset managers but also contribute in areas such as hedging strategy, derivatives structuring and structured finance关注的是资产管理公司的资产风险,但也在对冲策略、衍生品结构和结构性融资等领域做出了贡献 |
Pension养老金 |
certify the contributions needed to fund a pension plan证明养老金计划所需的资金 |
Predictive Analytics 预测分析 |
use modeling and data analysis techniques on large data sets to discover predictive patterns and relationships for business use使用大型数据集上的建模和数据分析技术来发现业务使用的预测模式和关系 |
Pricing定价 |
determine product features and pricing决定产品的特性和定价 |
Product Line or Segment Risk Management产品线或部门风险管理 |
perform risk management functions for a specific line of business for an insurance company为保险公司的特定业务部门执行风险管理职能 |
Reinsurance再保险 |
perform traditional actuarial duties for a reinsurer that would accept risk from a direct insurance company为接受直接保险公司风险的再保险公司履行传统的精算职责 |
Sales and Marketing销售和市场营销 |
help set policies, messages and compensation levels for those directly involved in marketing帮助直接参与市场营销的人制定政策、信息和薪酬水平 |
Senior Management高级管理层 |
provide broad business and management oversight for an organization’s most senior decision makers为组织中最资深的决策者提供广泛的业务和管理监督 |
Valuation 估值 |
perform experience studies, cash flow testing and other tasks to set the amount of reserve and capital held by an insurer执行经验研究、现金流测试和其他任务,以确定保险公司所持有的准备金和资本数额 |
Wealth Management and Financial Planning财富管理和财务规划 |
contribute skills and expertise to wealth management firms and individuals (rather than to insurance companies) 为财富管理公司和个人(而不是保险公司)提供技能和专业知识
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