（8.17更新）新上任，开一个问答帖，有什么商科问题过来问，我有空尽量回答

hahhahahahhahhababyUID：3742912

cheesechan 发表于 2016-8-20 17:58
you get the problem already: 未来的职业也没有个准确的想法或定位

this is indeed very important w ...

好的，谢谢大神~我一开始以为精算会比金融数学要强一点。。。看来还是得转向金融数学或统计吧。。。

hahhahahahhahhababyUID：3742912

kuyigougou 发表于 2016-8-22 03:47
不建议精算，首先精算严格来说不算什么商科(基本属于统计的一个分支)，其次精算硕士学位是意义不大的，因 ...

我一开始其实想的是统计和金数这两条路，后来以为英国精算比较好，统计的话美国比较强，所以就换成金数和精算了也是不太懂最近的就业趋势啊，不过统计的话对计算机要求高吗？是不是现在博士学位更方便找工作？本科数学硕士统计的话是不是再申个博士比较好？虽然论坛一直说不能为了工作而读博，可是不读博很难有好工作的感觉。。。

cheesechanUID：3505689

kuyigougou 发表于 2016-8-22 03:47
不建议精算，首先精算严格来说不算什么商科(基本属于统计的一个分支)，

其次精算硕士学位是意义不大的，因为本科精算的都开始考试了，我身边不少加拿大滑铁卢的精算朋友（滑铁卢精算应该是北美最出名的之一吧）谈到精算是做什么，他们都半开玩笑的说就是考试，虽然这肯定不是全部，但你真要走精算这条路你就要做好大半辈子职业生涯都是在考试和准备考试的过程度过，

最后呢精算这个领域真的是需求小于供给最严重的了，被说成什么金领太过了，要知道精算硕士出来真正能做精算的是少数，所以我觉得如果你数学基础足够好了，没必要刷个精算硕士，就业面太窄，统计硕士就业面要广的太多

1. actuarial = stat with application in insurance. agree that it is not really that business (only a bit)
actually I dont think if it is counted as business is an important issue at all. The only key point is, someone has to make sure a degree leads to the career one wants.


2. don't extent the case in Canada to UK: the system of actuarial education is quite different across the Atlantic ocean.
In US, and Canada, if you read a bachelor in actuarial science (or master), you still need to take most of the exams yourself in SoA or CAS in order to be an actuary, with little exemption (VEE, which are also not exclusive to actuarial student).
While in UK (and also other EU countries), if you read a bachelor in actuarial science (or anything that is accredited by the society), you will get most of the exam requirement given you passed certain university courses. (and these exemption is normally program based instead of course based)
Therefore, the value of a specialized actuarial degree over a math/stat degree is much lower in US/Canada (since you have to take exam anyway).

to make this clear, for example: if you read a accredited actuarial science master (or actuarial science bachelor) in UK, you will be exempted from the IoA CT Exam (approximate Exam 1 - 4 + all VEE for US/Canada). if you read a accredited actuarial management master in UK, you will be exempted from the most part of IoA CA (which is similar level as SoA FAP).
Exemption of actuarial professional exam by education is impossible under SOA/CAS in US/Canada (Notes: Waterloo MActSc is an exceptional - it is a accredited UK IoA program)

My own logic is always don't do things that can be shown by professional examination (e.g. CFA vs MSF), and spend time in university on some others useful stuffs instead.
But avoiding quite some professional examination is surly an attractive feature for some people.

and indeed as an actuary, you don't have to "大半辈子职业生涯都是在考试和准备考试的过程度过". This is just for the process towards accreditation. After you get the license, no more exam is needed. and normally it is around first few years after graduation, which is far from 大半辈子职业生涯.


3. 100% agree with the supply and demand comment.
Actuarial opening are too few, and it doesn't worth to risk it with a too specializes master.

Therefore I think that it will be a better idea to take a related master (e.g. stat, fina math) which has more application, and consider taking those actuarial exam oneself if one want to have a chances in this field.

cheesechanUID：3505689

hahhahahahhahha 发表于 2016-8-22 15:17
我一开始其实想的是统计和金数这两条路，后来以为英国精算比较好，统计的话美国比较强，所以就换成金数和 ...

if you want a job overseas, go US and read CS.
Much better than PhD if you don't have a specified academics interest.

if you are interested in XXX, just take a master in that.

hahhahahahhahhababyUID：3742912

cheesechan 发表于 2016-8-22 17:14
if you want a job overseas, go US and read CS.
Much better than PhD if you don't have a specifi ...

我一开始也觉得CS和数学这样的组合很好，可是大学三年发现我编程能力不够，普通的类似于MATLAB,MAPLE可以用用，编程就不行了。我们专业就有个女生去美国读CS了，也是很羡慕这样目标明确的人。
另外我对于MASTER的想法，更多地是尝试下自己到底适合哪个部分，本科只能让我知道自己对于统计，数学建模一类不排斥，以及我不会编程，但是不知道自己擅长或者喜欢的地方。

落落尘烟UID：2276569

4plus1 发表于 2016-8-19 00:54
1. 那就是我找错方向了吧。我看到的信息大部分requirement里总是理工+经济金融背景。
2. 是。这些我倒都 ...

任何一个行业都宣称自己需要量化技能，但是行研所需要的量化技能和quant比，那是平面几何和黎曼几何的差距。。。所以你要针对你的重点来。

落落尘烟UID：2276569

4plus1 发表于 2016-8-19 14:46
感觉大家对我的讨论非常深入啊！

再陈述一下为什么我不在银行多做几年去读MBA，是因为银行的3年比不过四 ...

其实。。。美国那边的MSF教育还是很书本化的，也不是啥高科技。你CFA三级过了没人会觉得你知识上不胜任。另外现在研报微信公众号这么多，券商研究部写的东西你大概能有个感觉。。。了解了再做决定比较好。

针对国内的行研 本地MBA+CFA不失为一个好方法。毕竟connection会多一点，先拿到实习机会再说啊。
人在北京上海的话，试着混混圈子呗....做卖方没点拉皮条的能力怎么能行。

银行的话，也不是经验完全没价值，看你做啥了，关键要能接触到客户。 有客户资源+销售能力很重要的。

cheesechanUID：3505689

落落尘烟 发表于 2016-8-26 18:26
其实。。。美国那边的MSF教育还是很书本化的，也不是啥高科技。你CFA三级过了没人会觉得你知识上不胜任。 ...

the reason why so many Chinese student want a US MSF is not because of the content of the education, but a title.

the title of finance move them to the field, and the master title fulfil the application requirement.


the reason that why they prefer MSF to MBA is: they are hurry for $$, and don't wanna wait for that.

(P.S. I don't mean that I agree to these choices, at all)




and clients contact really depends. e.g. clients from retail banking experience will 99.99% likely useless for corporate finance / equity research or valuation or etc..

落落尘烟UID：2276569

cheesechan 发表于 2016-8-26 20:27
the reason why so many Chinese student want a US MSF is not because of the content of the educat ...

For her case, local MBA is a better choice compared to US MSF IMHO
She already has some working experience, though not directly related to the field.

Well, Except the one from MIT, I could not think of any MSF program worth the money...

IannUID：3675344

cheesechan 发表于 2016-8-18 22:07
4. the math/stat requirement not only holds for finance, (or financial engineering), but also stuf ...

Sorry to reply late, and thanks for reminding. I'm not gonna take a degree in BA/ DS but something design related, so stat background is not a concern for me now. Thanks for all your advices that help me to look back into myself and find out what I'm really wanna be.

grace0202UID：3747436

大神，请问加拿大的diploma in accounting如何？我想申请york的schulich但是小蜜要求国际学生都要先就读八个月的diploma，然后average score B直升master Lol
还有一个选项是Quebec的Concordia，但是自己法语零基础怕找不到工作而且移民考试B2也挺难考的吧，所以犹豫也不太敢申请
自己211会计本（加拿大注册会计师方向）GPA不太好3.9/5，有UBC summer school 一个四大一个国内所实习 学校活动多有奖学金和一个打酱油做数据整理的科研 因为刚升三年级TG还在准备中，想去加拿大读会计硕士顺便考加注＋移民，那如果申请schulich上述的diploma还需要加强什么方面呢，是不是TG要刷高？
非常感谢！

kuyigougouUID：3066207

grace0202 发表于 2016-8-29 18:34
大神，请问加拿大的diploma in accounting如何？我想申请york的schulich但是小蜜要求国际学生都要先就读八个 ...

schulich的会计项目很好，但是我还是第一次听说国际生要读8个月的diploma，这是中介告诉你的，还是学校直接邮件里这么说? 按道理diploma要求很低，你这条件是够的，进去的话估计就是CPA中的前几门，因为schulich的Master会计读出来是只用考一门就拿CPA的，所以diploma估计就是提前给你上点基础内容

cheesechanUID：3505689

kuyigougou 发表于 2016-8-29 22:13
schulich的会计项目很好，但是我还是第一次听说国际生要读8个月的diploma，这是中介告诉你的，还是学校直 ...

I guess this is not because international vs domestics, but accounting vs non-accounting.

"It is required that students entering the Master of Accounting program with a non-CPA stream Business/Commerce undergraduate degree first complete the DIAc."

Source: http://schulich.yorku.ca/program ... accounting/details/

kuyigougouUID：3066207

cheesechan 发表于 2016-8-30 21:12
I guess this is not because international vs domestics, but accounting vs non-accounting.

"It i ...

那这个读完是自动进入会计Master项目，还是要重新申请？

grace0202UID：3747436

kuyigougou 发表于 2016-8-30 23:51
那这个读完是自动进入会计Master项目，还是要重新申请？

谢谢回复！我是给york发的邮件得到的说法呢，直接贴学校的邮件回复在下面啦
“Thank you for your message. With your background you would need to apply to the Diploma in Intermediate Accounting (DIAc) which is a graduate diploma to bring international students up to speed with regard to Canadian business law and tax regulations for the MAcc. This program is 8 months in duration beginning in the summer term. At this time your earliest start date would be Summer 2017.  If you enter and complete the DIAc with a B average you would be eligible to continue into the Master of Accounting program which would be a further 8 months. This would be a seamless transition. ”
然后我回复york说我自己是念CPA Canada的，还有必要念DIAc吗（因为DIAc的课是我在国内上过的内容）下面是第二封邮件的回复
“All students who completed their undergraduate studies outside of Canada must begin in the DIAc. Only students who have completed the programs listed on the CPA website（https://www.cpacanada.ca/en/beco ... d-programs-at-psis/） as accredited are able to enter the MAcc directly. ”
应该这个意思就是所有国际学生都只能申请DIAc不能申MAcc吧？
如果这样的话那DIAc的竞争岂不是很激烈lol