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美国金融硕士历来是热门申请专业之一。申请的学生中本科背景不仅有来自金融、经济、国际贸易、工商管理、金工金数、会计等专业的学生，也有来自计算机、数学、生物、信息技术、以及其他工科类专业的学生，那么金融是不是所有专业学生都可以申请，对跨专业的学生有没有什么限制，金融有哪些先修课要求呢，我们根据几个典型学校来了解一下：
一、MIT麻省理工大学 MFin金融硕士先修课要求：
Suggested Background
Mathematical background and programing skills
Listed below is an outline of the mathematical background and programming skills that students are expected to have in order to be successful in the most challenging of courses in the program.
Linear algebra: Basic topics, including: matrix/vector notation, operations on matrices and vectors, determinants, eigenvalues and eigenvectors, quadratic forms, and systems of linear equations.
Calculus: Multivariable differentiation and integration, series expansions, and function approximation and maximization.
Probability: Sample spaces and random variables, common distributions and densities, moments of distributions, conditional probability and Bayes’ theorem, law of large numbers, central limit theorem, joint distributions, covariance, correlation, and stochastic independence.
Stochastic processes: Random walks, Bernoulli trials, Markov processes, basic properties of linear time series models, continuous-time processes, and Ito’s dilemma.
Statistics/econometrics: Parameter estimation, confidence intervals, hypothesis tests, linear regression models, ordinary least squares, and likelihood principle.
Computer literacy: Students entering the MIT MFin program are expected to possess basic programming skills needed for processing and analyzing data. As part of the degree requirements, all students in the MFin program need to pass the programming aptitude test (PAT). Entering students will take the PAT at the beginning of the summer term using any of the following programming languages: R, Python, C, or C++. Those who do not successfully pass the test will be required to take additional class(es) on coding and retake the PAT.
Self-assessment
To assess the adequacy of your mathematical background, please use the following self-assessment test. If you experience difficulties in any particular area, we strongly recommend that you strengthen your skills through self-study or formal coursework prior to enrolling in the MFin program.
根据以上要求我们可以了解到, MIT金融硕士对学生的量化背景要求非常高，建议学生在数学以及编程背景方面有相关先修课，数学方面主要是：线性代数，微积分，概率，随机过程，统计/计量经济，编程方面主要是R, Python, C, C++。所有MIT MFin项目学生都需要通过编程能力倾向测验（PAT）, 通不过的学会生需要上课外的编程课，然后再次参加测验。
二、WUSTL圣路易斯华盛顿大学 MSF先修课要求：
Prerequisites
Applicants to the Corporate Finance & Investments and Wealth & Asset Management tracks should have taken Calculus I, Statistics, and Microeconomics.
Successful applicants to the Quantitative Finance track will demonstrate outstanding aptitude for advanced quantitative finance materials and a passion for the quantitative aspects of problem-solving. Students who have majored in Mathematics, Computer Science, Quantitative Economics, Engineering, Physics, and Statistics are especially encouraged to apply to the Quantitative Finance track. Some background in the applications of computing to quantitative problem-solving is especially valuable.
WUSTL的金融开设三个分支项目，申请Corporate Finance &Investments 以及Wealth & Asset Management分支的学生需要修读过微积分I, 统计学和微观经济学。而要成功申请Quantitative Finance 分支的学生需要展示出对高级量化金融材料的杰出才能，以及对解决量化问题方面的热情。 尤其鼓励那些学习数学，计算机科学，定量经济学，工程学，物理和统计学的学生申请量化金融专业。
三、Brandeis University布兰迪斯大学MSF先修课要求：
Prerequisites
The following prerequisites must be completed prior to beginning the MSF program. Students must earn a minimum grade of “B” to meet the requirement, or have demonstrated sufficient knowledge in the area through completion of related courses. Due to COVID-19, we will accept grades of "Pass" or "Credit" for the Spring 2020 semester.
These courses must be taken at an accredited three- or four-year, not-for-profit college or university. Each course must be at least at least 3 credits or the equivalent of a full semester course. Courses to satisfy prerequisites may alternately be taken online and students must be able to provide the verified grade in the course. Courses taken at other educational institutions will be evaluated on a case-by-case basis.
Financial Management
Students should have completed an introductory course in finance that covers projected financial statements, the time value of money, capital budgeting, financial leverage, security valuation, risk/return, working capital management and international finance. The course should also cover basic financial statistical analysis.
The Financial Management prerequisite can also be met by passing CFA Level 1.
Quantitative Methods
Students should have completed a course which emphasizes quantitative models and/or methods such as Statistics, Calculus, Econometrics, Data Analytics, Math Analysis, Real Analysis, Linear Algebra, Advanced Math or Math Modeling.
布兰迪斯大学金融硕士先修课要求有两门，一门是金融管理，一门是量化方法。 对于修读学校和学分以及内容有比较细致的要求。这个学校是强制要求，无法满足要求的学生拿到录取的几率比较小。
通过以上三个学校的要求我们可以了解到美国金融硕士主要对学生的量化背景和计算机方面会有一定的要求，所以具备这些先修课要求的学生都可以申请。本科主修专业如果没有相关课程，第二学位、辅修或者证书形式的通常学校也可以接受。随着金融行业对科技的依赖越来越大，申请人具备量化和计算机相关能力已经成为金融业的入门要求。当然也会有受本科限制无法修读相关课程的学生，老师建议你去搜索一些Coursera, EdX或者名校官网的网课进行修读，也可以达到学校的基础要求。另外金融行业非常注重相关实习时间经历，很多先修课要求如果可以转化为能体现实操能力的职业技能证书或者高端实习甚至是工作经历，也可以解决没有先修课的担忧，金融相关资格证书包括CFA，FRM，国内的证券基金从业的相关证书等，最终的还是我们要掌握到相关的知识和技能，并且能够在申请中展现出来。
当然，也有很多学校先修课不是强制性的，同学们可以多积累金融相关实习，申请中也可以大大提升自己的竞争力。
