美國精算專業(yè)介紹

?精算科學(xué)專業(yè)簡介
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精算，簡單的說就是依據(jù)經(jīng)濟(jì)學(xué)的基本原理，運(yùn)用現(xiàn)代數(shù)學(xué)、統(tǒng)計(jì)學(xué)、金融學(xué)及法學(xué)等的各種科學(xué)有效的方法，對各種經(jīng)濟(jì)活動(dòng)中未來的風(fēng)險(xiǎn)進(jìn)行分析，評估和管理，是現(xiàn)代保險(xiǎn)、金融、投資實(shí)現(xiàn)穩(wěn)健經(jīng)營的基礎(chǔ)一個(gè)公司要如何判定在生產(chǎn)過程中的財(cái)務(wù)風(fēng)險(xiǎn)?保險(xiǎn)公司如何知道需要收車主多少錢來購買碰撞險(xiǎn)?這就要風(fēng)險(xiǎn)評估師來做評估了。風(fēng)險(xiǎn)評估師也被稱為精算師，他們整日都在計(jì)算承擔(dān)各種不同類型風(fēng)險(xiǎn)的所需要的成本。所以精算科學(xué)是每一種保險(xiǎn)的數(shù)學(xué)與統(tǒng)計(jì)基礎(chǔ)，不管是健康保險(xiǎn)、人壽保險(xiǎn)、財(cái)產(chǎn)保險(xiǎn)還是養(yǎng)老金保險(xiǎn)。但在目前來說不是有很多人從事精算職業(yè)，在北美甚至都不到2萬，但這些從業(yè)者都收入頗豐并且樂在其中。如果要成為精算師就需要通過一系列的由非壽險(xiǎn)精算協(xié)會(huì)(CAS)或精算協(xié)會(huì)舉辦的考試，這種考試每年兩次，春季和秋季各進(jìn)行一次。
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精算科學(xué)核心課程
微積分;統(tǒng)計(jì)學(xué);金融;微觀經(jīng)濟(jì)學(xué);宏觀經(jīng)濟(jì)學(xué);金融會(huì)計(jì);金融經(jīng)濟(jì)學(xué);高等數(shù)學(xué);財(cái)務(wù)會(huì)計(jì);計(jì)算金融;精算數(shù)學(xué);數(shù)學(xué)建模;
精算科學(xué)常見職業(yè)
會(huì)計(jì)師 精算師 審計(jì)師 財(cái)務(wù)規(guī)劃師 銀行職員 風(fēng)險(xiǎn)投資家 交易員 外匯交易員 預(yù)算分析師 信貸員 運(yùn)籌分析 數(shù)學(xué)家 金融分析師 統(tǒng)計(jì)學(xué)家
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美國本科開設(shè)精算專業(yè)的大學(xué)
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University of Iowain Iowa
Pennsylvania State University University Park Campusin Pennsylvania
Temple Universityin Pennsylvania
Texas A&M Universityin Texas
University of Michigan - Ann Arborin Michigan
University of Missouriin Missouri
University of Rochesterin New York
St. John's Universityin New York
Case Western Reserve Universityin Ohio
Clark Universityin Massachusetts
Clemson Universityin South Carolina
Colorado State Universityin Colorado
DePaul Universityin Illinois
George Mason Universityin Virginia
Hofstra Universityin New York
Howard Universityin District Of Columbia
Iowa State Universityin Iowa
Kent State Universityin Ohio
Marquette Universityin Wisconsin
New York Universityin New York
The Ohio State Universityin Ohio
Ohio Universityin Ohio
Purdue Universityin Indiana
San Diego State Universityin California
University At Buffalo, The State University of New Yorkin New York
University of Cincinnatiin Ohio
University of Connecticutin Connecticut
University of Pennsylvaniain Pennsylvania
University of Pittsburghin Pennsylvania
University of South Carolinain South Carolina
University of Texas At Austinin Texas
University of Wisconsin - Madisonin Wisconsin
Utah State Universityin Utah
Virginia Commonwealth Universityin Virginia
Washington State Universityin Washington
University of Texas At Dallasin Texas
Baruch College, City University of New Yorkin New York
University At Albany, State University of New Yorkin New York
University of California, Los Angelesin California
University of California, Santa Barbarain California
University of Minnesota, Twin Cities Campusin Minnesota
University Of Nebraska-Lincolnin Nebraska
University of North Carolina At Chapel Hillin North Carolina
Louisiana State Universityin Louisiana
Binghamton University, State University of New York - Undergraduatein New York
Oklahoma State University - Stillwaterin Oklahoma
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