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1 ADMISSION TALK HKU Actuarial Science (6729) 精算學? 精算師? Actuarial Science? Actuary? 1

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3 什麽是精算? What is Actuarial Science? 精算是依據經濟學的基本原理, 利用現代統計學的方法, 對經濟活動未來的財務風險進行分析和管理的一門綜合性應用科學 Actuarial Science is a comprehensive applied science employing basic economic principles and modern statistical methods to analyze and manage future financial risk According to Wikipedia Actuarial science is the discipline that applies mathematical ( 數學 ) and statistical ( 統計 ) methods to assess risk ( 風險 ) in the insurance ( 保險 ) and finance ( 金融 ) industries Actuarial science includes a number of interrelating subjects, including probability ( 概率 ) and statistics ( 統計 ), finance ( 金融 ), and economics ( 經濟 ) 3

employing basic economic principles and modern statistical methods to analyze and manage future financial risk According to Wikipedia Actuarial science is the

4 Actuary's Work 精算師的工作精算師是運用精算方法和技術去解決未來財務風險的專家 Actuaries are experts and professionals, qualified in this field through examinations and experience, that utilize actuarial methods and techniques to address future financial risk Past Insurance risk / Financial risk Actuarial knowledge Actuarial knowledge Future Business decision and strategy 4

utilize actuarial methods and techniques to address future financial risk Past Insurance risk

5 Example Reverse Mortgage 逆按揭之安排, 通常會有保險公司參與, 並將有關業主之預期壽命 (Life Expectancy), 以精算學方法計算在內, 而業主在用完逆按揭額而停取生活費後, 仍可在抵押物業內繼續居住, 直至百年歸老 (from 明報置業網 2010 年 6 月 11 日 ) 精算師是否一個好的職業? Is Actuary a Good Career? 5

6 精算師出路多! Prospect of Actuaries 精算專業資格, 世界通行 Actuarial qualification is recognized worldwide 最佳職業? Best Occupation? 根據全美職業排行榜, 在美國 250 多個行業中, 精 1. 算 working 師多年 environment 來均名列前茅 : 2. income 3. employment outlook According to the American 4. physical demands professional ranking, actuary has been 5. security ranked the 6. best stress among more than 250 professions for many years. Actuary was recently included as one of the Best Careers of 2007 in US News and World report Actuary was ranked the second best in 2009 by JobsRated.com Edition Year Ranking

physical demands professional ranking, actuary has been 5. security ranked the 6. best stress among more than 250 professions for many years.

com Offer the greatest chance of enjoying a combination of good health

7 最佳職業? Best Occupation? Actuary was ranked the best occupation in 2010 by CareerCast.com Offer the greatest chance of enjoying a combination of good health low stress a pleasant workplace solid income strong growth potential Sing Tao 星島日報 2010 年 1 月 7 日最佳職業? Best Occupation? 7

最佳職業? Best Occupation? 最佳職業? Best Occupation? Actuary was ranked the 3 rd best occupation in 2011 by CareerCast.com 1. Software Engineer 2. Mathematician 3. Actuary 4. Statistician 5.

8 最佳職業? Best Occupation? 最佳職業? Best Occupation? Actuary was ranked the 3 rd best occupation in 2011 by CareerCast.com 1. Software Engineer 2. Mathematician 3. Actuary 4. Statistician 5. Computer System Analyst Actuary was ranked the 2 nd best occupation in 2012 by CareerCast.com 1. Software Engineer 2. Actuary 3. Human Resources Manager 4. Dental Hygienist 5. Financial Planner 8

Computer System Analyst Actuary was ranked the 2 nd best occupation in 2012 by CareerCast.com 1.

9 最佳職業? Best Occupation? Actuary was ranked the best occupation in 2013 by CareerCast.com 1. Actuary 2. Biomedical Engineer 3. Software Engineer 4. Audiologist 5. Financial Planner Actuary was ranked the 4 th best occupation in 2014 by CareerCast.com 1. Mathematician 2. Tenured University Professor 3. Statistician 4. Actuary 5. Audiologist 最佳職業? Best Occupation? 筍工至尊精算師薪優瓣瓣掂摘錄自香港經濟日報 2013 年 8 月 15 日精算師為美國筍工之首, 年薪可達 195 萬港元亞洲業界大舉招兵, 北美精算師協會 (SOA) 會長 Tonya Manning 指 : 2015 年中國將成第三大保險國, 需 5,000 名精算師, 目前市場只有 500 名打低 200 個工種成為筍工至尊, 精算師除了薪優前景佳, 也因為工作牽涉的知識層面相當闊, 是商業決策的把關者, 地位有分量 Tonya Manning 指 : 精算師需分析人口結構氣候利率法規等變動, 或用大數據分析保險需求, 以長遠風險模型評估商業決策, 優化營業模式, 與傳統的短中線風險管理不同 9

10 最佳職業? Best Occupation? Relatively low penetration rate in Asia huge potential growth 亞洲地區普遍低保險滲透率龐大潛在增長 10

11 精算師數目分布 Number Distribution of Actuaries Country Total Registered Members Hong Kong Korea 1, Japan 4,522 1,300 Thailand Singapore Australia 3,763 1,797 Malaysia Taiwan Philippines India 12, Indonesia Total 24,885 5,335 Total Registered Qualified Actuaries Source: East Asian Actuarial Conference (EAAC) (2012) 精算畢業生的出路 Prospect of Actuarial Graduates 11

684 203 Philippines 236 66 India 12,184 238 Indonesia 326 167 Total 24,885 5,335 Total Registered Qualified

12 精算畢業生不只受聘於保險公司, 還有 Not only may actuarial graduates be employed in insurance companies, but also 政府機關 government 顧問公司 consultant firm 退休保險計劃 retirement insurance plan 醫療系統 medical service 投資公司 investment company 銀行 bank 升學 further studies 12

consultant firm 退休保險計劃 retirement insurance plan 醫療系統

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Fellow Basic Salary per Annum 1-3 3-5 5-7 7-10 10-12 12+ Source: Darwin Rhodes

14 Salary Survey 2007 $1,600,000 $1,400,000 $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $0 Fresh grad 1 to 4 Exams Associate Up to 8 Exams Fellow Basic Salary per Annum Source: Darwin Rhodes Salary Survey 2012 Source: Morgan McKinley Salary Guide 2012 (Insurance Industry) 14

15 Salaries and Benefits Graduate Entry Salaries: HK$12,000 HK$18,000/month Exams: Exam fees reimbursement, study leave, study materials, salary increment incentives Newly Qualified: HK$40,000 HK$60,000/month More Experienced/Senior Actuaries: HK$80,000 HK$100,000+/month Annual Bonus Pay 最佳職業? Best Occupation? 15

incentives Newly Qualified: HK$40,000 HK$60,000/month More Experienced/Senior

16 2013 Actuarial Science Graduates 88% Employed 10% Further Studies Basic (Gross) Salary Max: $43120 ($43120) Median: $17250 ($18688) Number of Full-time Job Offers One: 50% Two: 33% Three+: 18% 怎樣成為一個精算師? How to Become an Actuary 16

$17250 ($18688) Number of Full-time Job Offers One: 50%

17 考取美國英國澳洲等地其中一個專業資格 Admitted into one of the professional bodies in the US, England or Australia 一般分兩個階段 (Two Stages) 1. Associateship ( 準 ( 副 ) 精算師會員 ) 2. Fellowship ( 精算師會員 ) 需時大概 5-8 年 Generally takes 5-8 years 北美精算考試制度 System in North America F S A Specialist examinations, professionalism and morals working experience A S A Fundamentals of actuarial practice, actuarial control cycle, investment practice, professionalism mathematics, statistics, economics, corporate finance, risk theory, life contingencies, etc. 17

Fellowship ( 精算師會員 ) 需時大概 5-8 年 Generally takes 5-8 years 北美精算考試制度 System in North America F S A Specialist examinations,

18 精算課程入學要求 Admission Requirement of Actuarial Science Programme 入學要求 Admission Requirement HKDSE English Level 3 Chinese Level 3 Mathematics (Compulsory Part) Level 4 Liberal Studies Level 2 Mathematics (Extended Part Module 1 or 2) Level 4 2 Electives Level 3 18

Chinese Level 3 Mathematics (Compulsory Part) Level 4 Liberal

19 2013 JUPAS HKDSE Score (Best 5): - Highest: 35 - Upper quartile: 32 - Median: 31 - Lower quartile: 30 Remarks: - Grades: 5**, 5*, 5, 4, 3, 2, 1 Scores: 7, 6, 5, 4, 3, 2, 1 - Best 5 not include M1/M2 為何要選港大精算? Why choose HKU AS? 19

of the SOA STAT2901 STAT2902 STAT2902 STAT3905 STAT3910 STAT3911 STAT3901 STAT3909

20 為何要選擇港大精算? Why HKU AS? 覆蓋北美精算學會準精算師考試課程 90% 以上 Cover over 90% of the ASA exam requirement of the SOA STAT2901 STAT2902 STAT2902 STAT3905 STAT3910 STAT3911 STAT3901 STAT3909 STAT3903 STAT3908 STAT3906 STAT3955 ECON1001 ECON1002 STAT3904 STAT3907 STAT3952 STAT3953 STAT3954 為何要選擇港大精算? Why HKU AS? 20

study Institute and Faculty of Actuaries (IFA) (UK) Accreditation for

21 為何要選擇港大精算? Why HKU AS? 學生可自由選擇主副俢課程 Students can freely choose to take any major or minor study 為何要選擇港大精算? Why HKU AS? Institute and Faculty of Actuaries (IFA) (UK) Accreditation for subjects CT1 CT8 Our BSc(ActuarSc) programme is the first in Asia obtaining such accreditation from IFA 21

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23 為何要選擇港大精算? Why HKU AS? Society of Actuaries (SOA) (US) Validation of Education Experience (VEE) VEE Economics VEE Corporate Finance VEE Applied Statistics Center of Actuarial Excellence 為何要選擇港大精算? Why HKU AS? 23

24 為何要選擇港大精算? Why HKU AS? Scholarships for Actuarial Science Students Dr Patrick S C Poon Scholarship in Actuarial Science 5 scholarships Awarded to freshly-admitted first year students admitted through JUPAS with most outstanding entrance record Each at HK$50,000 or HK$60,000, all renewable based on satisfactory performance in each year s study in the programme Dr. Patrick Poon is a Member of our Actuarial Science Programme Advisory Board, a Distinguished Science Alumnus of the Science Faculty, and currently an Advisor of China Pacific Life Insurance Co., Ltd. 為何要選擇港大精算? Why HKU AS? Scholarships for Actuarial Science Students Statistics and Actuarial Science (SAAS) Scholarships 16 scholarships per year 1. Four Scholarships of HK$20,000 each shall be awarded to four first-year Actuarial Science students, based on his/her HKDSE or equivalent examination results. 2. Four Scholarships of HK$4,000 each shall be awarded to four second-year Actuarial Science students. 3. Four Scholarships of HK$4,000 each shall be awarded to four third-year Actuarial Science students. 4. Four Scholarships of HK$4,000 each shall be awarded to four fourth-year Actuarial Science students. 24

25 為何要選擇港大精算? Why HKU AS? Scholarships for Actuarial Science Students Sir Edward Johnston Prize Awarded by the Institute and Faculty of Actuaries (IFA) Awarded to the best graduating student from the actuarial programme at specific universities, including HKU An annual award of 250 為何要選擇港大精算? Why HKU AS? HKU is ranked No. 1 in Asia and No. 10 worldwide in a publication of the official journal of the Society of Actuaries, North American Actuarial Journal (2013 Vol. 17, 3-12), in terms of publication pages in the actuarial journals included in the study over a 30-year period from 1982 to For the period , ranked No. 1 in Asia and No. 5 worldwide. In QS World University Rankings 2014 for Statistics and Operational Research, HKU ranks the 19th among 200 best universities in the world. Our department is at a very high international standard! 25

數著重理論, 與實踐結合 Teaching not only focuses on professional exams, but also on theoretical side 提供實務性科目, 課程緊貼市場及專業所需 Courses on practical issues, syllabus updated regularly to

26 為何要選擇港大精算? Why HKU AS? 專業就業準備, 龐大舊生網絡公司實習, 專題研習, 舊生分享交流, 就業講座 Professional career preparation, extensive alumni network internships, case studies, workshop, alumni sharing, career talks 求學不是求分數著重理論, 與實踐結合 Teaching not only focuses on professional exams, but also on theoretical side 提供實務性科目, 課程緊貼市場及專業所需 Courses on practical issues, syllabus updated regularly to reflect the needs of the job market and profession 批判思考, 靈活運用, 絕非考試機器擴闊出路 Critical thinking, NOT just an exam machine variety of career opportunities 培養學術研究人才於大學研究機構的出路 Scholastic training career path in academia 為何要選擇港大精算? Why HKU AS? 留港實習 Internship Programme ABN AMRO Asset Management International Group (AIG)American International Assurance (AIA) AXA BOC Group Life Assurance Citibank Dah Sing Life Deutsche Bank Ernst & Young FTSE Group Goldman Sachs Hang Seng Bank Hewitt Associates HSBC Investment (HK) Ltd. ING Life Manulife (International) Ltd. Munich Reinsurance Co. New York Life Prudential Assurance Co. Ltd. Rabobank Standard Chartered Bank (Hong Kong) Ltd. Watson Wyatt 26

27 為何要選擇港大精算? Why HKU AS? 交換生計劃 HKU Worldwide Exchange Programme 為何要選擇港大精算? Why HKU AS? 課程有挑戰性 Challenging syllabus 最好及完整的精算課程 The best and the most comprehensive professional curriculum 兩大精算學會的認證 Programme accreditation by two recognized actuarial societies 最好的同學 / 師兄弟姊妹 All classmates are top students in HK 最好的大學 The best university in HK 27

28 在學術界的出路 Career Path in Academia 在學術界的出路 Career Path in Academia 每年, 本系有超過 10 % 的精算畢業生選擇繼續升學 Each year, over 10% of our actuarial science graduates decide to undertake postgraduate study 本科生 (BSc(AS)) 碩士研究生 (MPhil) 博士研究生 (PhD) 助理教授 (Assistant Professor) 副教授 (Associate Professor) 教授 (Professor) 28

29 研究領域 Research Areas 精算 Actuarial Science 統計 Statistics 概率論 Probability 數學金融 Mathematical Finance 風險管理 Risk Management 數學 Mathematics 生物統計 Biostatistics 計量經濟學 Econometrics Upon graduation, our students are equipped with enough background to do research in these areas, due to the rigorous training provided by the department. We are NOT an exam training center! 例子 ( 升學 ) Examples (Further Study) 劍橋大學 University of Cambridge 牛津大學 Oxford University 倫敦帝國學院 Imperial College London 倫敦政治經濟學院 London School of Economics and Political Science 華威大學 University of Warwick 英屬哥倫比亞大學 University of British Columbia 多倫多大學 University of Toronto 亞伯達大學 University of Alberta 史丹佛大學 Stanford University 哈佛大學 Harvard University 哥倫比亞大學 Columbia University 康乃爾大學 Cornell University 威斯康星大學 University of Wisconsin 愛荷華大學 The University of Iowa 霍普金斯大學 Johns Hopkins University 滑鐵盧大學 University of Waterloo 29

University of Washington 滑鐵盧大學 University of Waterloo 科廷科技大學 Curtin University of Technology 新南威

30 例子 ( 任教 ) Examples (Teaching) 香港大學 The University of Hong Kong 香港中文大學 Chinese University of Hong Kong 香港理工大學 The Hong Kong Polytechnic University 恒生管理學院 Hang Seng Management College 華盛頓大學 University of Washington 滑鐵盧大學 University of Waterloo 科廷科技大學 Curtin University of Technology 新南威爾斯大學 Univeristy of New South Wales 墨爾本大學 University of Melbourne 海華大學 Heriot-Watt University Thank You! 30

所 3 學分課程, 及兩門跨領域課程共 6 學分以上課程學生在修課前, 必須填寫課程修課認定表, 經班主任或指導教授簽名後始認定此課程學分 ) 10. 本規章未盡事宜, 悉依學位

所 3 學分課程, 及兩門跨領域課程共 6 學分以上課程學生在修課前, 必須填寫課程修課認定表, 經班主任或指導教授簽名後始認定此課程學分 ) 10. 本規章未盡事宜, 悉依學位 95 年訂定 96 年 11 月修正 97 年 10 月修正 100 年 2 月修正 101 年 4 月修正 102 年 1 月修正 103 年 4 月修正 103 學年度入學新生適用, 舊生可比照適用 1. 研究生須於入學後第二學期開學前選定指導教授, 經課程委員會認定後方得繼續