Wednesday, May 25, 2011

金融类考试



转载
每个考试都有他的针对性,不同考试之间可比性不强,不能一概而论有用没用,是知识都是有用的嘛,先说CFA

CFA 注册金融分析师,现在最热的金融考试了吧,现在我在准备二级,知识体系很系统,看到国外培训班寄的材料上总结说,CFA二级的考试结构大概和金融研究生差 不多,如果要做分析员,这个是很有用的一个考试,里面有很多东西,平时在学校里面是讲不到的,考试内容不是很深,但是考的范围很广,每级的通过率大概在 40%,

看到有人说这个是所有实际参加考试考生的通过率,缺席的考生不计算在内,据说国内考生的通过率和平均的差不多,照说 咱们这么多年的考试锻炼,应该有优势才对啊,不太知道为什么,现在国内CFA大概1200多,以现在的火爆程度,以后几年应该会爆发性增长,不过很多可能 是通过了考试,但是在熬从业经验,个人很看好CFA的前景,想象一下,如果以后分析员和基金经理的主体都是CFA的话,股数应该会规范不少吧


FRM 金融风险管理师,知识结构是按金融系统不同的风险展开的,和CFA有一定重叠,不是很多,据论坛上说国内的主要需求在商业银行风险控制部门,一般推荐过了 CFA二级然后考FRM,具体根据个人情况分析吧,比如有没有时间什么的,CFA是在6月,FRM在12月,时间上来说肯定是够了, FRM的通过率大概也是在出席考生的40%,所有报名考生的30%.

和FRM对应的还有一个PRM,据说是因为反对FRM商业化从FRM中分出去的,大概看了一下,PRM是机考,随报随考,如果拥有其他资格比如CFA可以申请部分科目的免试,个人来说更看好FRM

CPA 注册会计师,论坛上看到有比较CPA和CFA的,这个就是明显的没有可比性,具体情况具体分析

如果做分析员,基金经理肯定CFA有优势,如果是去IBD,CPA和司法考试更有用,要是目标是四大CPA更是王道了

CPA考试一般在9月,单科通过率在10%,传说很恐怖,呵呵,和CFA交叉的部分可能就是财务成本管理了

如果CFA和CPA要一起考,复习时间一定要掌握好,应该很有挑战性,

如果立志国内发展并且不是四大的,CPA应该足够了,ACCA没什么必要,通过CICPA是能ACCA免5科

证券从业资格,期货从业资格,算是从业人员最基本的考试了,看到有论坛上说不是很难,证券从业5门有三个月就差不多了,考试都是一年多次,只是有时候比较抢手,不好报名

CIIA是证监会组织的考试,证券从业资格中证券分析的升级版,考的人还不是很多,据说现在有70人,认可度不太清楚,优点就是可以拿中文考.

另 外一个含金量很高的考试就是保荐人考试了,通过率大概在5%,要通过公司统一报名,个人不能报,不过听说有人不在IBD,通过券商报了名,然后顺利跳槽 的,想考的朋友可以看看有没有这方面的资源了,看了一下考的知识结构,范围很广,主要复习材料包括证券从业资格教材和注会的教材,另外听说,考的很细,如 果没有实际操作经验会很难.

保险精算没仔细研究过,只是知道分很多种,具体信息大家再搜搜吧


下面说说CAIA 是另类投资的一个考试,分两级,包括对冲基金,房产投资,大宗商品之类的,考试费用很高,现在可能只有香港有考点,现在考的人还很少,并且国内发展现在还用不太上,不过可以关注一下,这方面的知识对将来的发展应该还是挺重要的

CQF 是金融工程方面的一个认证,国内大概开了两期了,是要参加他半年的培训,每周末上课,通过每次的考试,拿到证书,国内的培训费用比国外的低很多,据他的网 站上说,国内认可度很不错,第一期学员找工作情况很好,不过可以看的出组织者还是很用心的,知识结构大概相当于金融工程的研究生吧,看到他网站说外经贸金 融工程的系主任宣称,他们的研究生必须要通过CQF才能毕业,不知道培训费用是哪里出,呵呵

如果数学好,编程好,想做quant的,这个考试还是很合适的

Tuesday, May 24, 2011

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Sunday, May 22, 2011

TEDTalks Adora.Svitak.大人能从小孩身上学到什么

I want to start with a question. “When was the last time you were called childish?” For kids like me, being called childish can be a frequent occurrence. Every time we make irrational demands, exhibit irresponsible behavior or display any other signs of being normal American citizens, we are called childish, which really bothers me. After all, take a look at these events: Imperialism and colonization, world wars, George W. Bush; ask yourself: Who’s responsible? Adults.
Now, what have kids done? Well, Anne Frank touched millions with her powerful account of the Holocaust, Ruby Bridges helped end segregation in the United States, and most recently, Charlie Simpson helped to raise 120,000 pounds for Haiti on his little bike. So, as you can see evidenced by such examples, age has absolutely nothing to do with it. The traits the word childish addresses are seen so often in adults that we should abolish this age-discriminatory word when it comes to criticizing behavior associated with irresponsibility and irrational thinking.
Thank you.
Then again, who’s to say that certain types of irrational thinking aren’t exactly what the world needs? Maybe you’ve had grand plans before, but stopped yourself thinking, “that’s impossible,” or “that costs too much,” or “that won’t benefit me.”For better or worse, we kids aren’t hampered as much when it comes to thinking about reasons why not to do things. Kids can be full of inspiring aspirations and hopeful thinking, like my wish that no one went hungry or that everything were free kind of utopia. How many of you still dream like that and still believe in the possibilities? Sometimes a knowledge of history and the past failures of utopian ideals can be a burden because you know that if everything were free, then the food stocks would become depleted, and scarce [?] and lead to chaos. On the other hand, we kids still dream about perfection. And that’s a good thing, because in order to make anything a reality, you have to dream about it first.
In many ways our audacity to imagine helps push the boundaries of possibility. For instance, the Museum of Glass in Tacoma, Washington [my home state--yoo hoo Washington] has a program called Kids Design Glass and kids draw their own ideas for glass art. Now, the resident artist said they got some of their best ideas through the program because kids don’t think about the limitations of how hard it can be to blow glass into certain shapes. They just think of good ideas. Now, when you think of glass, you might think of colorful Chihuly designs, or maybe Italian vases, but kids challenge glass artists to go beyond that into the realm of broken-hearted snakes and bacon boys, who you can see has meat vision.
Now, our inherent wisdom doesn’t have to be insiders’ knowledge. Kids already do a lot of learning from adults, and we have a lot to share. I think that adults should start learning from kids.
Now, I do most of my speaking in front of an education crowd, teachers and students, and I like this analogy. It shouldn’t just be a teacher at the head of the classroom telling students “do this, do that.” The students should teach their teachers. Learning between grown ups and kids should be reciprocal.
The reality, unfortunately, is a little different, and it has a lot to do with trust, or a lack of it. Now, if you don’t trust someone, you place restrictions on them, right. If I doubt my older sister’s ability to pay back the 10 percent interest I established on her last loan, I’m going to withhold her ability to get more money from me until she pays it back.–True story by the way.–Now, adults seem to have a prevalently restrictive attitude towards kids from every “don’t do that, don’t do this” in the school handbook, to restrictions on school internet use. As history points out, regimes become oppressive when they’re fearful about keeping control. And, although adults may not be quite at the level of totalitarian regimes, kids have no, or very little say in making the rules when really the attitude should be reciprocal, meaning that the adult population should learn and take into account the wishes of the younger population.
Now, what’s even worse than restriction is that adults often underestimate kids abilities. We love challenges, but when expectations are low, trust me, we will sink to them. My own parents had anything but low expectations for me and my sister. Okay, so they didn’t tell us to become doctors or lawyers or anything like that, but my dad did read to us about Aristotle and Pioneer Germ Fighters when lots of other kids were hearing The Wheels on the Bus Go Round and Round. (Well, we heard that one too, but Pioneer Germ Fighters totally rules.)
I loved to write from the age of four, and when I was six my mom bought me my own laptop equipped with Microsoft Word. Thank you Bill Gates, and thank you, mom. I wrote over 300 short stories on that little laptop, and I wanted to get published. Instead of just scoffing at this heresy that a kid wanted to get published, or saying wait until you’re older, my parents were really supportive. Many publishers were not quite so encouraging–one large children’s publisher ironically saying that they didn’t work with children. Children’s publisher not working with children? I don’t know, you’re kind of alienating a large client there. Now, one publisher, Action Publishing, was willing to take that leap and trust me, and to listen to what I had to say. They published my first book, Flying Fingers–you see it here–and from there on, it’s gone to speaking at hundreds of schools, keynoting to thousands of educators, and finally today, speaking to you.
I appreciate your attention today, because to show that you truly care, you listen.
But there’s a problem with this rosy picture of kids being so much better than adults. Kids grow up and become adults just like you. Or just like you, really? The goal is not to turn kids into your kind of adult, but rather better adults than you have been, which may be a little challenging considering your guys credentials, but the way progress happens is because new generations and new eras grow and develop and become better than the previous ones. It’s the reason we’re not in the Dark Ages anymore. No matter your position of place in life, it is imperative to create opportunities for children so that we can grow up to blow you away.
Adults and fellow TEDsters, you need to listen and learn from kids and trust us and expect more from us. You must lend and ear today, because we are the leaders of tomorrow. Which means we’re going to be taking care of you when you’re old and senile. (No, just kidding, actually). No, really, we are going to be the next generation, the ones who will bring this world forward. And in case you don’t think that this really has meaning for you, remember that cloning is possible, and that involves going through childhood again in which case, you’ll want to be heard just like my generation.
Now, the world needs opportunities for new leaders and new ideas. Kids need opportunities to lead and succeed. Are you ready to make the match? Because the world’s problems shouldn’t be the human family’s heirloom.
Thank you.

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Thursday, May 19, 2011

苹果能冷藏多久

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