精算，你的了解有多少？

此篇有关精算科学的文章是由大女儿撰写成，我再做的翻译。她毕业于加拿大华铁卢大学计算机及精算科学带薪实习本科。毕业后就业于美国，工作第四年，已通过8级精算师考试，刚参加第9级的考试。

 

Actuarial science is the study of quantifying and managing risk.  There are many different tracks to the study of actuarial science including, but not limited to, Retirement, Property and Casualty, Investments and Health.  The profession requires a mathematical background usually completely through university coursework as well as additionally satisfying the examination requirements of the society you are working towards for a designation.  Continuing education and professionalism is required in order to remain credentialed.  It is an industry that requires business acumen as well as mathematical knowledge to service its stakeholders.

 

The co-op program at the University of Waterloo allows students to alternate work and study in order to apply what they learn in classes to the job.  This gives students work experience when they ultimately go and interview for full time positions.  The program provides you with the resources to locate employers and apply for positions, but it is up to the students to interview well and have the experience and skills to secure the job.  Obtaining a job is not guaranteed.

 

The first few actuarial examinations generally focus on mathematics while the later exams require essay writing to prove comprehension of the material.  The exams depend on the industry of focus that the student selects to study.

 

The full time position and the work involved vary on the industry and the nature of the position.  Insurance companies will offer a different experience versus a consulting firm where the focus is on meeting the needs of their corporate clients.

 

The industry is wide and varied and any applicant should take the time to study and understand what their interests are and the process they will need to satisfy to meet their goals.  The starting point is always with a math background and beginning the examination process since that will take many years.  As you gain internship experience and meet people in the industry, you will be able to become knowledgeable about the different areas of specialty.

 

精算科学是研究对风险的管理及量化的专业。它包括很多的方面，但不仅限于退休金、财产及意外、投资及健康等专业方向。这个专业需要在学校完成数学的相关的课程，同时满足精算协会对你在相关工作的专业方向考试。

 

在职继续教育及保持专业性是维持执照的必要性，这是一个需要专业知识同时具备商业敏锐性及数学背景以为服务客户的专业。

 

滑铁卢大学带薪实习项目让学生在就读时，工作及学习穿插进行，以达到学以致用的目的。这样给学生将来毕业后找全职工作面试时能提供一定的工作经验。这个项目也提供了学生将来求职找工作的一些资源。但是这还是要取决于面试的经验及技巧以确保能找到带薪实习工作。不能保证找到工作。

 

精算师考试的前面几级主要是考数学，到后来的几级考试则需要考一些申论题以证明你的理解能力。考试也看未来学生准备就读的专业方向，全职的工作。

 

全职工作及职位要看专业的方向。保险公司和咨询公司就是根据客户的需求提供不同的经验。

 

这个专业是广泛及多变化的，所有申请人需要花时间了解自己的兴趣及整个认证过程，以满足设定的目标。起点是由数学背景开始及同时准备认证考试，因为这需要很多年，随着你的实习经验及见到更多行业内的人，你将对它的专方向会有更丰富的知识。