第一篇：每到北美精算師考試放榜的日子

每到北美精算師考試放榜的日子，精算界的人士總是夜難成眠，由于美國方面公布成績時間是下午五點，正是咱國的凌晨五點，從2001年秋天開始的每年的某個凌晨五點，老弟和其他精算界人士一樣，準時靜候成績公布，互相通報詢問考試結(jié)果。而到上個周末，這樣的日子將一去不復返了，因為老弟已經(jīng)通過了最后一門考試，即此，老弟在四年時間內(nèi)通過八門北美精算師考試，距離正式的精算師（FSA）僅一步之遙了?；叵胨哪昀系艿木銕熤?，我這老姐也不禁唏噓感慨。R# E-b6 y0 o)K% a

還得從數(shù)學說起，老弟的數(shù)學天賦，先是從老媽的口中傳出來的。一說起我們小時候的故事，老媽最津津樂道的就是帶老弟去市場買菜猶如帶一把小算盤，往往老媽和賣菜的大娘還沒有算出個幾分幾毛，老弟在旁邊就蹦出一個數(shù)字，還特準，驚得賣菜的大娘連呼不得了。那時老弟還沒上學，也就四五歲吧。老弟的高中和我一樣――柳高，各門功課成績都很優(yōu)秀，數(shù)學尤為突出，拿過全國高中數(shù)學聯(lián)賽比賽獎。老弟也坦言，他熱愛數(shù)學。高考選擇志愿，全家一致認為除非想做陳景潤，數(shù)學專業(yè)可是選不得。隨著老弟如愿進入清華大學化工系，數(shù)學愛好的這朵小小火花，算是被殘酷的現(xiàn)實撲滅了。

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大學畢業(yè)后老弟選擇回柳州工作，愿望是想留在爸媽身邊。可是現(xiàn)實總是比夢想冷酷無情，在柳州牙膏廠三年，老弟灌過牙膏、研究過洗發(fā)水，可是他并不快樂，雖然父母喜歡兒女繞膝，但是更希望兒女有鴻鵠之志展翅飛翔，全家都覺得老弟在牙膏廠呆得沒勁?？墒牵趺磳崿F(xiàn)職業(yè)轉(zhuǎn)變？一本時尚雜志介紹的金領(lǐng)職業(yè)――精算師吸引了我的注意。精算師需要突出的數(shù)學基礎(chǔ)，老弟不正好合適。我把雜志給老弟研究，希望他好好考慮。沒多久，老弟就宣布，辭職考研，攻保險精算專業(yè)。那真是個現(xiàn)在想起來讓我冒冷汗的冒險決定，而且破釜沉舟，這意味著將近一年半時間內(nèi)老弟處于失業(yè)狀態(tài)。

考研期間種種困難曲折不表，就說這放榜的一段插曲。考研發(fā)布成績那天，老弟一查成績，居然有一門專業(yè)只有35分，不論其他門成績?nèi)绾危揪瓦_不到上線標準，老弟堅持認為這絕對不可能，老弟說可能是因為有幾題因為答卷紙寫滿了，而直接答在試卷的原因。當時全家氣氛緊張，亂作一團。我強裝冷靜，讓弟弟和學校聯(lián)系，說明情況，申請重新閱卷評分。校方接收了申請，只給了一句話，一個星期后等通知。想著老弟考研一年中的壓力和辛苦，忍不住悲從中來，打電話給一個好朋友，痛哭了一場。全家在煎熬中等待了一個多星期，命運女神這次好像特別眷顧我那可憐的老弟，校方給老弟打電話，說是校方專門開會進行了研究，認為老弟是清華大學的，基礎(chǔ)很好，而且考試成績不錯，其他基礎(chǔ)課成績數(shù)學89，英語80，政治71，不愿意失去人才，重新組織了閱卷，并重新報告了教委。雖然沒有說到是否錄取，但是從老師的口中聽來，惜才的意味如此明顯，應該是沒有問題了。k(n3 [' ^ s8 k

后來老弟不但被錄取，而且因為是前五名，還是作為國家公費生，免學費。等待時，老弟曾經(jīng)說，如果不錄取，絕對不會考第二次，計劃到深圳重新找工作。那個時候，我深刻領(lǐng)悟一句話，人生的道路雖然很漫長，但是最關(guān)鍵的，也往往就是那幾步。* n0 ~$ i7 u& p

終于站在了精算師這個起跑線上了，形勢也不容樂觀。轉(zhuǎn)行前浪費的幾年光陰和考研的一年半時間，即使老弟是五歲半讀書，進了南開大學保險研究生專業(yè)，也發(fā)現(xiàn)自己很落后，同班不少同學本科時候就已經(jīng)開始了北美精算師考試，有些已經(jīng)通過四門了。就在老弟半夜三更灌牙膏的時候，人家已經(jīng)在北美精算師這座山頭爬到半山坡啦。4 O* o: ]+ I0 q4 [4 n2 w

還好老弟對自己自信滿滿，前面四門的考試，主要是數(shù)學、保險基礎(chǔ)，老弟都以小CASE形容?？磥恚系茉诰愕牡缆飞?，又找到了當初學習數(shù)學的那種快樂吧。老弟學習的時候很專注認真，常常做數(shù)學題做到窗外已經(jīng)天黑都未察覺。我學數(shù)學，頂多也就是應試型的熟能生巧，題海戰(zhàn)術(shù)泡出來的，題型練熟了，考試就依葫蘆畫瓢，知其然不知其所以然。老弟往往能一道題用多個方法解題，還能說出個為什么，一本數(shù)學教材他能深入淺出地分析一番，總結(jié)些門門道道。# b1 I8 B)u)e4 s2 c!?“ ?

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不過到了精算的第五門考試后，就沒那么小CASE了。眾所周知，北美精算是英文考試，前四門基本是標準化考試，而從第五門開始則是專業(yè)知識和實踐運用的結(jié)合，而且有主觀答題，不但要數(shù)學好，還得專業(yè)扎實，英文表達能力好才行。

# E3 i0 g8 I” O2 p+ L% H/ I

考第六門的時候，又有個小插曲，老弟查成績的時候沒有找到自己的考號，以為自己落榜了，沒有想到兩星期后，成績單郵寄過來了，是合格，原來老弟記錯了自己的考號。嗨，這種事情也會有。

在研究生畢業(yè)前，老弟正好通過了六門考試，得到一個準精算師（ASA）資格，這在同界畢業(yè)的同學里，老弟的成績是最好的，老弟終于把失去的時間追回來了。

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工作后，一邊上班一邊備考，壓力增大了，第七門考試，失利了，破了逢考必過的記錄，只差一分，我們都為老弟惋惜，鼓勵他第二年再努力。第八門“特定的高級精算實務”考試非必尋常，不但考點設(shè)在香港，而且不是簡單地單個筆試，幾個人一個小組，做項目。老弟說累得不行，考試進行了兩天，尤其第二天考了九個小時之長。為了這次考試還買了一個本本?？偹阈量嘤兴貓?，考試終于過關(guān)。剩下的第七門考試也在去年11月份重考，老弟更是投入了百倍精力，國慶七天長假也貓在家里啃書。

-f5 g;c5 v# S.t {!^

通過了八門考試，按北美精算師組織的要求，還不能立即獲得證書，需要積滿50分培訓積分，然后才能去美國領(lǐng)取精算師證書。比如去年老弟有機會被公司派到上海參加了一個精算協(xié)會研討會，累了15分。研討會是來自亞洲各個國家的精算同行，在分組競賽中，老弟居然和一個印度人的分在一組，老弟大吐苦水，印度人的英語發(fā)音巨古怪巨難聽溝通巨困難，弄到前面幾輪嚴重落后，好在后來居上，竟然在最后一把翻盤，大獲全勝。!X, @/ D9 _!R, t

據(jù)說，工作著是美麗的，那么，能做一份自己喜歡的工作，應該算是錦上添花了吧。祝愿老弟，在精算師的道路上，越走越好

第二篇：Ajmvsk北美精算師考試教材

生活需要游戲，但不能游戲人生；生活需要歌舞，但不需醉生夢死；生活需要藝術(shù)，但不能投機取巧；生活需要勇氣，但不能魯莽蠻干；生活需要重復，但不能重蹈覆轍。

-----無名

P: 指定教材：

Fundamentals of Probability ￥200 1.5 kg Solution manual of Fundamentals of Probability ￥80

A First Course in Probability, 7th Ed ￥150 考試manual：

ASM版Exam P 9th Edition（2008秋）study manual ￥90 1.5kg ASM版Exam P 10th Edition（2009春）study manual ￥200 1.5kg ACTEX版 Exam P（2009春）study manual ￥180 1.5kg GUO版 Exam P（2009春）study manual ￥160 1.5kg DAR新版Exam P Equation Study List公式手冊 ￥20 FM: 指定教材：

Financial Mathematics ￥70.00 1kg Mathematics of Investment and Credit, 3rd Edition, 2004 ￥120.00 1kg Mathematics of Investment and Credit Solutions Manual ￥80 0.5kg The Theory of Interest 2nd Edition ￥55 1kg Derivatives Markets 2nd edition ￥140.00 2kg（這本書fm mfe c都需要用到）Derivatives Markets Solution Manual Second Edition ￥80.00 0.5kg 考試manual：

ASM版Exam FM 8th Edition（2008秋）study manual ￥160 ASM版Exam FM 9th Edition（2009春）study manual ￥200 1.5kg

ACTEX版 Exam FM（2009春）study manual ￥220 1.5kg GUO版 Exam FM（2009春）study manual ￥180 1.5kg DAR新版Exam FM Equation Study List公式手冊 ￥20 MFE： 指定教材：

Derivatives Markets 2nd edition Derivatives Markets Solution Manual Second Edition 考試manual：

ASM版Exam MFE 8th Edition（2008秋）study manual ￥70 1.5kg ASM版Exam MFE 9th Edition（2009春）study manual ￥180 1.5kg ACTEX版 Exam MFE（2009春）study manual ￥240 1.5kg GUO版 Exam MFE（2009春）study manual ￥200 1.5kg MLC： 指定教材：

Actuarial Mathematics, 2nd Edition ￥105.00 2kg Solutions Manual for Bowers' et al Actuarial Mathematics ￥80.00 0.5kg Introduction to Probability Models, 8th Edition, 2003 ￥100 1.5kg 考試manual：

ASM版Exam MLC 7th Edition（2008秋）study manual ￥240 2.5kg ACTEX版 Exam MLC（2008春）study manual ￥130 1.5kg GUO版 Exam MLC（2009春）study manual ￥260 1.5kg DAR新版Exam MLC Equation Study List公式手冊 ￥30 C： 指定教材：

Loss Models From Data to Decisions ￥90 2kg Solutions Manual to Loss Models From Data to Decisitions ￥80 0.5kg

Foundations of Casualty Actuarial Science, 4th Edition, 2001 ￥90 1.5kg 考試manual：

ASM版Exam C 8th Edition（2008秋）study manual ￥260 2.5kg ACTEX版 Exam C（2008春）study manual ￥185 1.5kg GUO版 Exam C(2009春）study manual ￥300 2.5kg DAR新版Exam C Equation Study List公式手冊 ￥30 Fap：

指定教材，已經(jīng)全部是最新版的，全套價格為 ￥900（非最新版一套為￥600）Fundamentals of Private Pensions Understanding Actuarial Management: Enterprise Risk Management INVESTMENT SCIENCE Introduction to Ratemaking&Loss Reserving Third Edition Group Insurance 5th edition

Actuarial Aspects of Individual Life Insurance 2nd Edition

第三篇：2013年春季精算師考試經(jīng)濟學(考點)

（1-20）單項選擇

1、交叉價格彈性；

2、預算線；

3、消費者剩余價值；

4、市場間相互作用；

5、經(jīng)濟學短期與長期的分類依據(jù)啥的；

6、完全競爭（短期均衡條件）；

7、共有資源（哪項是）；

8、存量和流量（哪項是存量）；

9、自然失業(yè)率（概念）；

10、貨幣供給減少的結(jié)果；

11、貨幣乘數(shù)；

12、經(jīng)濟增長源泉（古典）；

13、治理通貨膨脹（貨幣主義的觀點）；

14、擴張性貨幣政策；

15、國際收支平衡；

16、國際收支（經(jīng)常賬戶）；

17、人民幣升值原因；

18、金融市場劃分；

19、股票價格編制方法（最常用的）；20、CAPM理論。

（21-40）多項選擇

1、資本品；

2、消費者無差異曲線；

3、消費者對物品的需求因素；

4、完全競爭市場的長期均衡條件；

5、古諾模型的基本假設(shè)；

6、壟斷競爭市場特點；

7、生產(chǎn)可能性曲線；

8、私人選擇的特征；

9、GDP支出法的構(gòu)成；

10、平衡預算乘數(shù)；

11、凱恩斯貨幣需求動機；

12、影響LM曲線移動因素；

13、影響企業(yè)投資決策因素；

14、政府收入來源；

15、中央銀行資產(chǎn)；

16、一般性貨幣政策工具；

17、貨幣制度內(nèi)容；

18、國際收支赤字的調(diào)節(jié)措施；

19、三元悖論；20、投資銀行業(yè)務。

（41-43）簡答題

1、公共產(chǎn)品；

2、持久收入假說；

3、利率的期限結(jié)構(gòu)。

（44-45）計算題

1、完全競爭市場的均衡；

2、LM,IS。

（46）論述題

用微觀經(jīng)濟學管理論述如何治理環(huán)境污染。

第四篇：dc-qagw0年精算師考試50種失敗原因總結(jié)(英文版)

、.~ ① 我們‖打〈敗〉了敵人。

②我們‖〔把敵人〕打〈敗〉了。

2010年精算師考試50種失敗原因總結(jié)(英文版)

Bring a pillow.Fall asleep(or pretend to)until the 15 minute warning is called.Wake up, say “oh geez, better get cracking” and do some gibberish work.Turn it in a few minutes early.Get a copy of the exam, run out screaming “Andre, Andre, I've got the secret documents！”

Respond to the written-answer questions in limerick form.(“There once was a trend factor from Cork....”)

Make paper airplanes out of the exam.Aim them at the proctor's left nostril.Talk the entire way through the exam.Read questions aloud, debate your answers with yourself out loud.If asked to stop, yell out, “I'm SOOO sure you can hear me thinking.” Then start talking about what a jerk the proctor is.Bring cheerleaders.Walk in, get the exam, sit down.About five minutes into it, run out, screa e to leave the country“ and run off.Fifteen minutes into the exam, stand up, rip up all the papers into very small pieces, throw them into the air and yell out ”Merry Christmas.“ If you're really daring, ask for another copy of the exam.Say you lost the first one.Repeat this process every fifteen minutes.Do the exam with crayons, paint, or fluorescent markers.Come into the exam wearing slippers, a bathrobe, a towel on your head, and nothing else.Come down with a BAD case of Turret's Syndrome during the exam.Be as vulgar as possible.Do the entire exam in another language.If you don't know one, make one up!

Bring things to throw at the proctor when s/he's not looking.Blame it on the person nearest to you.As soon as the proctor hands you the exam, eat it.Walk into the exam with an entourage.Claim you are going to be taping your next video during the exam.Try to get the proctor to let them stay, be persuasive.Tell the proctor to expect a percentage of the profits if they are allowed to stay.Every five minutes, stand up, collect all your things, move to another seat, continue with the exam.Turn in the exam approximately 30 minutes into it.As you walk out, start commenting on how easy it was.On math-oriented written-answer exams, use Roman numerals.Bring a black marker.Return the exam with all questions and answers completely blacked out.Get the exam.Twenty minutes into it, throw your papers down violently, scream out ”F---this!“ and walk out triumphantly.Arrange a protest before the exam starts.(i.e.Threaten the proctor that whether or not everyone's done, they are all leaving after one hour to go drink.)

Show up completely drunk.(Completely drunk means at some point during the exam, you should start crying for mommy).Every now and then, clap twice rapidly.If the proctor asks why, tell him/her in a very derogatory tone, ”the light bulb that goes on above my head when I get an idea is hooked up to a clapper.DUH!“

Comment on how sexy the proctor is looking that day.Come to the exam wearing a black cloak.After about 30 minutes, put on a white mask and start yelling ”I'm here, the phantom of the opera“ until they drag you away.Relate the answers to all written-answer questions to your life story.Upon receiving the exam, look it over, while laughing loudly, say ”you don't really expect me to waste my time on this drivel? Days of our Lives is on！!“

Bring a water pistol with you.Nuff said.From the moment the exam begins, hum the theme to Jeopardy.Ignore the proctor's requests for you to stop.When they finally get you to leave one way or another, begin whistling the theme to the Bridge on the River Kwai.Start a brawl in the middle of the exam.When answering math-related written answer questions, make up the longest proofs you could possibly think of.Get pi and imaginary numbers into most equations.Come in wearing a full knight's outfit, complete with sword and shield.Bring a friend to give you a back massage the entire way through the exam.Insist this person is needed, because you have bad circulation.Bring cheat sheets FOR A DIFFERENT EXAM and include them with your written answer papers with the comment: ”Please use the attached notes for references as you see fit.“

When you walk in, complain about the heat.Strip.After you get the exam, call the proctor over, point to any question, ask for the answer.Try to work it out of him/her.One word: Wrestlemania.Bring balloons, blow them up, start throwing them around like they do before concerts start.Try to get people in the room to do the wave.Play frisbee with a friend at the other side of the room.Bring some large, cumbersome, ugly idol(e.g., The God/Goddess of Partial Credit).Put it right next to you.Pray to it often.Consider a small sacrifice.Get deliveries of candy, flowers, balloons, telegrams, etc...sent to you every few minutes throughout the exam.During the exam, take apart everything around you.Desks, chairs, anything you can reach.Complete the exam with everything you write being backwards at a 90 degree angle.Bring a musical instrument with you, play various tunes.If you are asked to stop, say ”it helps me think.“ Bring a copy of the Syllabus with you, challenging the proctor to find the section on musical instruments during exams.Don't forget to use the phrase ”Told you so“.Answer one written answer question with the ”Top Ten Footnotes of The CAS Syllabus."

第五篇：btdoevq2_010年精算師考試50種失敗原因總結(jié)(英文版)_

^ | You have to believe, there is a way.The ancients said:“ the kingdom of heaven is trying to enter”.Only when the reluctant step by step to go to it 's time, must be managed to get one step down, only have struggled to achieve it.--Guo Ge Tech

2010年精算師考試50種失敗原因總結(jié)(英文版)

Bring a pillow.Fall asleep(or pretend to)until the 15 minute warning is called.Wake up, say “oh geez, better get cracking” and do some gibberish work.Turn it in a few minutes early.Get a copy of the exam, run out screaming “Andre, Andre, I've got the secret documents！”

Respond to the written-answer questions in limerick form.(“There once was a trend factor from Cork....”)

Make paper airplanes out of the exam.Aim them at the proctor's left nostril.Talk the entire way through the exam.Read questions aloud, debate your answers with yourself out loud.If asked to stop, yell out, “I'm SOOO sure you can hear me thinking.” Then start talking about what a jerk the proctor is.Bring cheerleaders.Walk in, get the exam, sit down.About five minutes into it, run out, screa e to leave the country“ and run off.Fifteen minutes into the exam, stand up, rip up all the papers into very small pieces, throw them into the air and yell out ”Merry Christmas.“ If you're really daring, ask for another copy of the exam.Say you lost the first one.Repeat this process every fifteen minutes.Do the exam with crayons, paint, or fluorescent markers.Come into the exam wearing slippers, a bathrobe, a towel on your head, and nothing else.Come down with a BAD case of Turret's Syndrome during the exam.Be as vulgar as possible.Do the entire exam in another language.If you don't know one, make one up!

Bring things to throw at the proctor when s/he's not looking.Blame it on the person nearest to you.As soon as the proctor hands you the exam, eat it.Walk into the exam with an entourage.Claim you are going to be taping your next video during the exam.Try to get the proctor to let them stay, be persuasive.Tell the proctor to expect a percentage of the profits if they are allowed to stay.Every five minutes, stand up, collect all your things, move to another seat, continue with the exam.Turn in the exam approximately 30 minutes into it.As you walk out, start commenting on how easy it was.On math-oriented written-answer exams, use Roman numerals.Bring a black marker.Return the exam with all questions and answers completely blacked out.Get the exam.Twenty minutes into it, throw your papers down violently, scream out ”F---this!“ and walk out triumphantly.Arrange a protest before the exam starts.(i.e.Threaten the proctor that whether or not everyone's done, they are all leaving after one hour to go drink.)

Show up completely drunk.(Completely drunk means at some point during the exam, you should start crying for mommy).Every now and then, clap twice rapidly.If the proctor asks why, tell him/her in a very derogatory tone, ”the light bulb that goes on above my head when I get an idea is hooked up to a clapper.DUH!“

Comment on how sexy the proctor is looking that day.Come to the exam wearing a black cloak.After about 30 minutes, put on a white mask and start yelling ”I'm here, the phantom of the opera“ until they drag you away.Relate the answers to all written-answer questions to your life story.Upon receiving the exam, look it over, while laughing loudly, say ”you don't really expect me to waste my time on this drivel? Days of our Lives is on！!“

Bring a water pistol with you.Nuff said.From the moment the exam begins, hum the theme to Jeopardy.Ignore the proctor's requests for you to stop.When they finally get you to leave one way or another, begin whistling the theme to the Bridge on the River Kwai.Start a brawl in the middle of the exam.When answering math-related written answer questions, make up the longest proofs you could possibly think of.Get pi and imaginary numbers into most equations.Come in wearing a full knight's outfit, complete with sword and shield.Bring a friend to give you a back massage the entire way through the exam.Insist this person is needed, because you have bad circulation.Bring cheat sheets FOR A DIFFERENT EXAM and include them with your written answer papers with the comment: ”Please use the attached notes for references as you see fit.“

When you walk in, complain about the heat.Strip.After you get the exam, call the proctor over, point to any question, ask for the answer.Try to work it out of him/her.One word: Wrestlemania.Bring balloons, blow them up, start throwing them around like they do before concerts start.Try to get people in the room to do the wave.Play frisbee with a friend at the other side of the room.Bring some large, cumbersome, ugly idol(e.g., The God/Goddess of Partial Credit).Put it right next to you.Pray to it often.Consider a small sacrifice.Get deliveries of candy, flowers, balloons, telegrams, etc...sent to you every few minutes throughout the exam.During the exam, take apart everything around you.Desks, chairs, anything you can reach.Complete the exam with everything you write being backwards at a 90 degree angle.Bring a musical instrument with you, play various tunes.If you are asked to stop, say ”it helps me think.“ Bring a copy of the Syllabus with you, challenging the proctor to find the section on musical instruments during exams.Don't forget to use the phrase ”Told you so“.Answer one written answer question with the ”Top Ten Footnotes of The CAS Syllabus."