精算学与精算考试-北大未名BBS-北京大学.PPT

精算学与精算考试（Society of Actuaries） 2004级本科生 2006年12月15日 北京大学 愉快而紧张的精算之夜！ Agenda-提纲 精算学（Science） 职业-精算师（Profession） 精算考试（Certification） FAQ 精算学 定义 起源 内容 理论+应用 定义 研究未来的不确定的损失对当前经营的财务影响 关键词 未来-时间性 不确定性-随机性 财务-现实性 起源 生命表- 人寿保险 保险业的发展 金融业的发展 内容 数学、统计基础 抽象的数量关系 逻辑分析 建模 经济、金融基础 理论、理念、思想方法 知识 理论+应用 理论 风险模型 客观风险：概率分布 风险偏好：效用 度量的研究 应用 定价 评估 职业-精算师..\精算学和精算考试介绍-2006年12月15日\SOA_Brand.wmv What’s an actuary?-background The future is full of uncertainty. Some of the events that can happen are undesirable. Risk is the possibility that an undesirable event will occur. The impact of undesirable events can be both emotional and financial. Reducing the likelihood of these events helps relieve emotional pain. But some events, such as death, cannot be totally avoided. So, reducing their financial impact is very important. What’s an actuary? Actuaries are experts in: evaluating the likelihood of future events, designing creative ways to reduce the likelihood of undesirable events, decreasing the impact of undesirable events that do occur. In a fast-changing world, with new risks and the need for ever-more creative ways to tackle them, there is the constant opportunity for personal and professional growth in an actuarial career, and the pleasure of life-long learning. Most actuaries work in a pleasant environment, alongside other professionals, and enjoy the respect of their peers The insight into risk that actuaries have also helps to ensure that our savings are working hard for us, so that everything we love and cherish can grow and flourish. The work of actuaries benefits all of us. What is risk and how do actuaries manage risk? Every person and organization faces risk, and it comes in many forms. Actuaries contribution to societys psychological, physical and economic well-being is immense. If the risk management programs actuaries develop dont exist, our economic growth would be greatly impacted. Here are a few examples: 身故风险？ 每个人的生命价值对自己而言都是一样的 吴老师 你 如何对待？8年内 储蓄、投资 无所谓