北美精算师考试资料汇总

1、北美精算师考试资料汇总SOA精算考试课程及大纲-高级教育阶段高级教育阶段(2门课程)：课程1精算模型应用说明：该课程向学员介绍了建立精算模型实际考虑的因素。要求学员具备基础课程的知识。课程的一部分内容对所有的学员都是相同的。要强调的是学员要重视与其从事的领域相关的技术和问题，这些内容因学员从事的领域而异。模型可用于精算科学的许多方面，如定价/费率拟定，保险利益设计，资产 /负债/资本管理，资产和负债估价，动态偿付能力检验。不论模型用于哪一方面，其步骤是相同的。该课 程将概述这些步骤。 完成课程的学习后， 学员将学会建模的过程并且用来解决一些问题。主要内容和概念：模型设计或选择，数据输入分析，数

2、据输出分析，结果的比较、检验和反馈。课程2(a)高级精算实务-金融说明：该课程研究金融中的高级内容。学员在完成课程的学习后可加深在一些领域如： 金融机构 的资本管理，公司财务，金融风险管理(工具和技术)，征税原理，期权定价理论和应用，发展金融战略等的知识和技能。该课程帮助学员培养在保险公司、储蓄和信用机构、银行等金融机构从事金融和财税工作所应具备的技能。课程的一些研究领域如期权和套利定价理论和应用，金融原理，资本结构和投资组合管理要求有严格的数学基础，目的是让学员能将这些原理应用于广阔的经济环境。综合了数学、金融和经济知识及前面课程的技能将使学员在金融机构的管理起到不可代 替的作用。课程2(b

3、)高级精算实务-团体人寿险；个人和团体健康险说明：该课程对精算原理在团体人寿险和以个人及团体险形式提供下列保障：残疾收入，牙科支出，医疗和长期护理费用的险种中的应用进行深入的探讨。该课程内容将包括提供这些保障的系统：保险公司，兰十字/兰盾组织，公众健康组织，会员优先服从组织，健康维护组织及Physician医院组织。课程2(c)高级精算实务-健康管理计实务说明：该课程能为精算原理在医疗及牙科服务领域中的费用提供深入而有效的方法。该课程内容包括以下健康管理组织机构：健康维护组织，Preferred ProviderOrganizations(PPOs),牙齿健康维护组织，Physician医院组

4、织及医疗风险合同。该课程主要与美国现今的健康管理系统相联系。课程2(d)高级精算实务个人寿险说明：该课程研究个人寿险应用中的高级内容，包括产品设计和险种发展、营销、定价、财务报告及相关领域中的再保险内容。课程2(e)高级精算实务投资说明：该课程继续深入研究投资及资产管理内容，着重于资产/负债管理技能的应用。学员完成该课程后， 将对投资组合管理理论和应用、选择定价理论、资产负债管理、偿付能 力及伦理学有深入的了解。该课程为学员在金融风险的管理工作中提供有效帮助，特别是对公司资产与负债的综合管理。同时，该课程还为学员在金融机构投资部门的工作中提供有效帮助，例如银行和保险公司及在投资咨询公司和非金融

5、机构的投资操作中提供帮助。课程2(f)高级精算实务-加拿大养老金计划说明：该课程建立在课程 5的基础上，更深入介绍了加拿大养老金计划的内容。学员被要求接触无论是从事咨询工作的精算师或是实际提供养老保险产品及服务的精算师手中所 有类型的退休及养老金计划。课程内容包括养老金及退休计划的设计、精算定价原理、加拿大养老金计划细则。养老金基金工具、退休计划的财务报告及职业标准。课程2(g)高级精算实务-美国养老金计划说明：该课程建立在课程 5的基础上，更深入介绍了美国养老金计划的内容。学员被要求接触无论是从事咨询工作的精算师或是实际提供养老保险产品及服务的精算师手中所有 类型的退休及养老金计划。课程内容

6、包括养老金及退休计划的设计、定价理论、养老金基金工具及退休计划的财务报告，还包括精算定价的基本原理、行业细则及职业标准。 SOA精算考试课程及大纲基本教育阶段说明：这门课程包括利息理论， 中级微观经济学和宏观经济学，金融学基础。在学习这门课 程之前要求具有微积分和概率论的基础知识。主要内容及概念：利息理论， 微观经济学，宏观经济学，金融学基础课程3:随机事件的精算模型说明：通过这门课程的学习， 培养学员关于随机事件的精算模型的基础知识及这些模型 在保险和金融风险中的应用。在学习这门课程之前要求熟练掌握微积分、概率论和数理统计的相关内容。建议学员在通过课程 1和课程2后学习这门课程。 主要内容及

7、概念： 保险和其 它金融随机事件，生存模型，人口数据分析，定量分析随机事件的金融影响课程4:精算建模方法说明：该课程初步介绍了建立模型的基础知识和用于建模的重要的精算和统计方法。在学习这门课程之前要求熟练掌握微积分、线性代数、概率论和数理统计的相关内容。主要内容及概念：模型-模型的定义-为何及如何使用模型模型的利弊确定性的和随机性的模型-模型选择输入和输出分析-敏感性检验-研究结果的检验和反馈方法一回归分析预测-风险理论-信度理论课程5-精算原理应用/费率拟定/建立保险基金，营销，分 ，职工福利计划，事故抚恤计划，政 担保的评估，环境的维护成本和说明：这门课程提供了产品设计，风险分类，定价 配

8、，管理和估价的学习。覆盖的范围包括金融保障计划 府社会保险和养老计划及一些新兴的应用领域如产品责任, 制造业的应用。该课程的学习材料综合了各种计划和覆盖范围以展示精算原理在各研究领域中应用的 一致性和差异性。为了鼓励这种学习方法， 该课程在研究各精算课题， 如定价等时考虑该课 题在各领域中的应用而不是相反。主要内容及概念：计划和产品设计，风险分类原理和技术，精算原理和实务在定价、费率拟定、建立保险基金及传统和新兴的应用领域中的应用，营销、分配和管理，负债和保险基金评估的精算技术课程6-投资和资产管理说明：该课程是用于投资和资产负债管理领域的精算原理的拓展。学员在完成该课程的学习后，将会对资本市

9、场、投资工具、衍生证券及应用、投资组合管理和资产-负债管理有深入的了解。主要内容及概念：资本市场和基本投资原理，投资工具，衍生证券，投资组合 管理的原理，资产一负债管理 SOA考试常问问题（FAQ）prin ter frien dlyfor questi ons on exam registrati ons, schedules, and cen ters, con tact . for all other questions, including grading concerns, defective questions, syllabus information,

10、gen eral course studies, con tact educati on & exams ombudspers on.exam in ati on services freque ntly asked questi onsaddress cha nges:how do i cha nge my address for receipt of admissi on ticket or grade slip?to cha nge your address on our database, e-mail the correct in formatio n to examssoa

11、.org. please put “ address cha nge”in the subject line of your e-mail. in clude your date of birth an d/or yourprevious address for positive ide ntificatio n. you may no tify the exam departme nt directly at (847) 706-3583.applicati ons:whe n is the registratio n deadli ne?your applicati on(s) must

12、be received on or before april 1 for the spri ng sessi on, and september 24 for the fall sessi on. applicatio ns received after the deadli ne will not be accepted. please be aware that it takes approximately 10 days for your applicati on to arrive by regular mail. we en courage you to use an over ni

13、 ght delivery service to en sure delivery by the deadli ne date. please reta in your track ing nu mber in the eve nt that you would n eed to trace your package for proof of delivery. your origi nal sig nature is required foryour applicati on to be valid. a photocopy or facsimile of yoursig nature is

14、 not acceptable. applicati ons are processed in the order they are received. it may take a few weeks for your applicatio n to be processed due to the volume of applicati ons received. whe n your registratio n is en tered into our computer you will receive an e-mail con firmati on.dow nl oad fall 200

15、4 exam applicati onscalculators:what are the approved calculators and how can i obta in one?you may use the battery - or solar powered texas instruments ba-35 model calculator, ba ii plus, ti-30x, ti-30xa, or ti-30x ii (iis solar or 11b battery). you may use more tha n one of the approved models dur

16、i ng the exam in atio n. upon entrance to the exam in ati on room, can didates must show the supervisor that the memory has been cleared for all of the calculators brought in. calculator in struct ions are not allowed in the exam room. for the ba ii plus, cleari ng will reset the calculator to the f

17、actory default sett in gs. you can purchase calculators at any office supply store or directly from: texas in strume nts, atte nti on: order en try, po box 650311, mail stati on 3962, dallas, tx 75265. for phone orders please call 1-800-842-2737. the texas in strume nts web site is .can didate nu mb

18、ers:i' ve misplaced my can didate nu mber and want to check if i passed, what can i do?if you have lost or misplaced your ticket of admissi on in dicat ing your can didate nu mber, this in formatio n cannot be give n over the phone, faxed or e-mailed. you may request your can didate nu mber by e

19、-mail to . please put “ can didate nu mber” in the subject line of your e-mail. you may also con tact the exam departme nt at (847) 706-3583. please confirm your mail ing address and date of birth. can didate nu mbers are sent by mail only.cha nge of cen ter:how do i request a cha nge of

20、 cen ter?16you may request a cha nge of cen ter by con tact ing the exam departme nt at (847) 706-3583. there is a non-refun dable fee of $50 which will be assessed at the time of the request. can didates are not allowed to walk-i n to take an exam at a cen ter where they have not registered. superv

21、isors must confirm registratio n with the soa prior to being allowed to write.exam fees:how can i tell if my exam fees have bee n paid?can i still take exams with a bala nee due on my acco unt?registratio n is con firmed by e-mail. however payme nt in formatio n is n ot con firmed at that time. chec

22、k process ing takes approximately 2 weeks to clear the bank, credit card payme nts are charged on a first come first serve basis and may take a few weeks to process due to the volume of applicati ons received.upon payme nt approval, tickets of admissi on will be mailed out. if there is a bala nee du

23、e on your acco unt due to in sufficie nt funds or a decli ned charge tran sact ion, an in voice will be sent to you and your ticket of admissi on will be withheld. please note that a grade will not be released un til exam fees are paid in full.can didates who use a compa ny check or corporate credit

24、 card to pay for their exams are en couraged to check with their employers to be sure that a payme nt was sent on their behalf well ahead of the deadli ne date.can didates whose payme nt form is a pers onal check should check with their bank to see if their check has cleared.can didates who use a vi

25、sa, mastercard or america n express card should con tact their charge compa ny to see if the tran sact ion has bee n successful.a can didate may take an exam while havi ng an outsta nding bala nee. every effort should be made to clear up exam fees prior to the exam date. in the event that there is a

26、 bala nee due and a ticket of admissi on is n ot received, the can didate should report to the exam site with photo id to show the supervisor at check in. can didate in structi ons, exam dates, times and cen ter locati ons can be found at http:/www.s0a.0rg/ccm/content/?categoryid=334002. the supervi

27、sor will provide an approved can didate nu mber to use for the exam.exam locati onswhere can i find out the address of the exam cen ter?do exam locati ons ever cha nge prior to exam day?to find the exact address of where your exam will be held look at the exam center locations pamphlet that accompa

28、nied your ticket of admissi on. exact addresses are listed n ext to each cen ter n ame. be sure to look carefully at the locati on for your exam nu mber. at some cen ters, exams can be give n at several differe nt locati ons with in the same site.although it is not an ticipated, exam locatio ns can

29、cha nge from the time they are con firmed up un til exam day. often times this is due to scheduling conflicts, or is a direct result of the number of can didates registeri ng for a particular site. in the event that there is a cha nge to your cen ter locati on you will be no tified by e-mail and als

30、o a no tice will be sent to you by regular mail. for the most up-to-date listi ng of cen ter addresses, please check our website at http:/www.s0a.0rg/ccm/content/?categoryid=334002. we encourage you to check for location cha nges up un til the day of your exam.exam times:what time do the exams start

31、 and how long are they?for exact dates and times please check the in structi ons to can didates found at /ccm/c onten t/?categoryid=214009.to avoid scheduli ng con flicts, please allow yourself eno ugh time before and after the exam so thatin the event of a delay you are prepared.pl

32、ease n ote the followi ng procedures for the timi ng of the exams:supervisors are asked to open the exam room one-half hour before the scheduled start time to allow for admissi on procedures.once check-i n is completed or at the scheduled start time the supervisor should begi n readi ng the exam in

33、struct ions aloud.whe n all check- in procedures and verbal in struct ions are completed the supervisor will -set ” the“ reexam clock to the scheduled start time -the can didates will be in structed to begi n work.can didates will be give n the full amount of exam time accord ing to the -set ” clock

34、 to complerte the exam.grades:whe n can i expect to receive my exam in ati on results?grades are released approximately eight to ten weeks after the exam in ati on date; results are located un der theeducati onandexam in ati onsect ionof the soa website./ccm/content/?categoryid=2140

35、09;or you may call the soa hotline number(847) 706-3579 for pass - fail results. you will n eed your can didate nu mber to obta in this in formatio n. approximate dates for the release of grades for the spri ng 2004 exam in ati on sessi on are as follows: course 1-4 , friday july 9, and course 6, ea

36、-1 and ea-2b, friday july 16. for the fall 2004 exam in ati on sessi on; course 1-4, friday january 7, 2005; and courses 5, 8, and ea-2a friday jan uary 14, 2005.grade slips:how can i get ano ther copy of my grade slip?you may request a duplicate grade slip by con tact ing the exam departme nt by e-

37、mail at . please put“ duplicate grade ” in the subject l-neof youmaay con tactthe exam departme nt directly at (847) 706-3583.refun ds:how do i obtai n an exam in ati on refund?if you have registered for but did not sit for an exam, you may request a refund by con tact ing the exam depar

38、tme nt at refun . you may also mail in the bottom portion of your ticket of admission (indicating which exams need to be refunded). faxed requests may be sent to (847)706-3599. a $50 adm ini strative fee is assessed on all refun ds. the exam departme nt must receive requests no later tha n j

39、une 30 for the spri ng sessi on and december 31 for the fall sessi on. refunds will be processed approximately 6 weeks after all exam in ati ons have bee n admi nistered for that particular session. refunds will be returned in the payment form that accompanied the original exam applicati on. if your

40、 employer paid your exam fee, the employer will receive the refund on your behalf.sig nature letter:i have already received my ticket of admissi on but have also received a gold sig nature letter, what should i do?this no tice states that your registrati on is in complete because it is either a phot

41、ocopy, lack ing a sig nature an d/or is miss ing the required stateme nt ack no wledg ing the rules and regulati ons gover ning the exam in ati on s. it is n ecessary for the soa to have a completed applicati on with an origi nal sig nature for our files. please sig n and retur n this no tice. if yo

42、u do not retur n the form, your exam grade slip will not be released.special arran geme nts for can didates with disabilities:whom should i con tact?to request special accommodati ons for the soa exams a can didate must submit a writte n request and medical docume nt.ti on by the registrati on deadl

43、i ne.additional document.tion may be required depending on the nature of the disability and the arran geme nts requested.for more in formatio n con tact anna abel at tickets of admissi on:i've already submitted my applicati on. whe n can i expect an admissi on ticket?can i still take

44、 the exam if i do not have my ticket of admissi on?please allow 10 work ing days for the applicati on to arrive. applicatio ns are processed in the order they are received. it may take a few weeks to enter your application due to the volume of applications being received. tickets of admission will b

45、e mailed starting march 1 for the spring session and september 1 for the fall session. if you receive a ticket of admission that contains in correct in formatio n, no tify the exam departme nt at (847) 706-3583 or . if you have not received or have misplaced your ticket of admissi on, yo

46、u must con tact the exam departme nt to confirm registrati on and request that ano ther ticket be sent out to you. in the event that a ticket of admissi on is not received, the can didate should report to the exam site with photo id to show the supervisor at check in. can didate in structi ons, exam

47、 dates, times and cen ter locati ons can be found at http:/www.s0a.0rg/ccm/c onten t/?categoryid=214009. the supervisor will provide an approved can didate nu mber to use for the exam. can didates are not allowed to walk-i n to take an exam at a center where they are not registered -even if they hav

48、e a ticket of admission from ano ther cen ter.tran scripts:how do i obta in an official tran script?you may request an official tran script in dicat ing your exam in ati on credit by e-maili . please put“ tran script” in the subject lin emfiy(ynuemay also contactthe exam departme nt di

49、rectly at (847) 706-3583. tran script in formati on will not be give n over the phone, faxed or e-mailed.course 7 sem in ars:did my applicati on make it i nto the sem inar?space in seminars is limited. to find out if your application was successfully registered for a specific sem inar you may con ta

50、ct judy carney at (847) 706-3594 or you may e-mail her directly at jcarn .laptops for course 7 sem in ars:what are the laptop requireme nts for the sem inar?all can didates are required to bring a laptop computer with 3.5” diskette drive to the sem inar andwill be resp on sible for the prop

51、er operatio n of the laptop duri ng the sem inar. curre nt requireme nts andcon figurati onscan be found on our website athttp:/www.s0a.0rg/ccm/c on te nt/exams-educatio n-jobs/ca ndidate-a nd-exam-i nformatio n/laptop_sp ecs04/ SOA协会历史背景介绍In 1889 the total actuarial population on this continent num

52、bered between 80 and 100 persons. Five of these-four company actuaries and one consulting actuary-having decided amongst themselves to create an organization, invited selected others to become charter members. The in itial compleme nt of the Actuarial Society of America was 38. Of the actuaries n ot

53、 so in vited, those omitted because they were not chief actuaries of well-established compa nies were in most cases elected duri ng the n ext five years .In vitati ons n ever were, however, exte nded to a group of about 25 actuaries, some of marked dist in cti on with in the professi on, who had mov

54、ed into gen eral man ageme nt posts or had retired from active work. This seems unfortun ate, depriv ing the young Society of the ideas that those experie need heads would have con tributed.The professi on's heritage in North America, the n of about 80 years durati on, had bee n built upon Europ

55、ean foundations dating back to the establishment of probability theory in the mid-seventeenth century, to Edmond Halley's 1693 mortality table, to James Dodson's pioneer work on the level premium system that led to formatio n of the Society for Equitable Assura nces on Lives and Survivorship

56、 in London in 1762, and to Richard Price's textbook on life con ti ngen cies first published in 1771.1The first compa ny actuary to practice in North America was Jacob Shoemaker of Philadelphia, a key orga ni zer in 1809 of the Penn sylva nia Compa ny for In sura nces on Lives and Granting Ann u

57、ities who chose to be that compa ny's actuary rather tha n its preside nt. A pion eer of whom the professi on may be proud, he was a stude nt of the British experie nces of the prior half-ce ntury and a practical bus in essma n.Other life companies soon followed in the Pennsylvania Company's

58、 footsteps, notably, theMassachusetts Hospital Life in Boston, 1823 (Nathaniel Bowditch, actuary) and the New York Life and Trust Compa ny, 1830 (William Bard, preside nt and actuary). But volume of bus in ess was small un til mutual life in sura nee on this con ti nent was born in the 1840s, its proge nitors being the Mutual Life of New York (Charles Gill, actuary) and the New En gla nd Mutual in Bost on (Elizur Wright, actuary). Gill and Wright were actuaries of great distinction, the latter's fame coming through his establishme nt, while he was