
(1)什么是FRMFRM(Financial Risk Manager)是全球金融风险管理领域顶级的权威国际资格认证,由美国“全球风险管理协会”(Global Association of Risk Professionals ,简称GARP)设立。GARP是一个拥有来自超过195个国家的150000名会员的世界最大的金融协会组织之一,主要分别服务于5000多家银行、证券公司、学术研究机构、政府管理机构、资产管理机构、保险公司及非金融性公司等。其主要职能是通过信息交换,实施教育计划,提高全世界金融风险管理领域的标准。FRM考试始于1997年。截至2009年底,全球约有2万多名人员获得FRM头衔。FRM考试在中国北京、上海、广州、成都、武汉、香港和台湾设有考点,目尽之前中国(包括香港、台湾)已取得FRM证书的大约在1000人左右,属于极度稀缺的金融高级人才。从某种意义上讲,金融学就是研究如何从时间和风险两个维度上对资产进行最优配置的一门学科。因此,“风险”作为金融领域的核心变量,有着举足轻重的地位。近10年来,随着计算金融(Computational Finance)、金融计量经济学(Financial Econometrics)和金融工程学(Financial Engineering)等金融前沿学科的快速发展,金融风险管理技术等到了前所未有的重视,FRM考试也因此迅速地发展,已经得到华尔街和众多欧美著名金融机构、大型公司风险管理部门以及各国政府监管层和金融监管部门的认同,成为全世界金融风险管理领域最权威的认证。目前,FRM考试实行分级考试,分为一级和二级(Part Ⅰ 和Part Ⅱ),对金融风险管理感兴趣的或正在从事相关工作的朋友,可以通过参加FRM考试提高自己的风险管理知识水平,又可为职场发展和事业开拓增加一个重磅筹码。(2)GARP简介2010年起,由全球风险管理协会举办的金融风险管理师(FRM)考试将于每年5月和11月中下旬在全球四十多个城市同时举行。GARP是一个拥有195个国家的150000多名会员的世界规模最大、最具权威的风险管理国际组织。GARP是一个非盈利独立机构,是国际清算银行在风险管理方面的主要咨询机构之一,其宗旨是促进风险管理方面的信息交流、开展风险管理的资格认证考试、制定金融风险管理领域的技术规范和评价标准。 GARP自1997年开始实施的金融风险管理师(FRM)资格认证考试,已经得到欧美跨国金融公司、监管机构,特别是华尔街的认可和支持。如今,FRM资格证书已经成为众多国际金融机构和跨国公司风险管理部门的从业要求之一。 为推动中国风险管理的发展,GARP于2001年在北京建立了中国地区分部,设立了北京考试中心,并于2002年实施了中国大陆的第一次全球统一考试,取得了成功。国内金融监管部门、金融机构和大型企业均表达了对FRM考试的高度重视,并准备采取措施培养国际化的风险管理专业人才,以提供风险管理水平,提升核心竞争力。(3)FRM影响力风险管理涵盖众多领域,包括风险管理概论、数量分析、金融市场与金融产品、定价与风险模型、市场风险测度与管理、信用风险测度与管理、操作风险测度与管理、基金投资风险、会计、法律等众多内容。在今日错综复杂、瞬息万变的金融市场上,风险往往难以掌握。有效管理风险并从中获取利润成为金融企业成功的重要关键。而这一攸关企业组织及其投资人命运的重要决策,需要众多的金融风险管理专业人士(Financial Risk Professionals)的参与,故FRM日益受到重视,全球报考人数以每年超过38%成长,已俨然成为全球瞩目的国际风险管理证照。在国内,FRM正日益受到国家金融监管机构以及各家金融机构的重视。对于金融监管层,中国人民银行和中国银监会均把金融风险管理、维系金融稳定作为银行监管的重中之重。对于大型金融机构,中国工商银行、中国建设银行、中国银行等国有商业银行纷纷将风险管理作为贯穿整个银行经营的核心。同时,各大证券公司也对金融市场的资产定价和风险管理高度重视。因此,金融风险专业人员的需求日益壮大。2介绍编辑FRM是金融风险管理领域的一种资格认证称号,由美国“全球风险协会”(GARP)设立。GARP是一个拥有来自超过130个国家的3万多名会员的世界最大的金融协会组织之一,主要由风险管理方面的专业人员、从业者和研究者组成。其主要职能是通过信息交换,实施教育计划,提高金融风险管理领域的标准。什么是FRMFRM考试始于1997年,每年11月中旬举行一次考试,截至2004年已实行了8年,全球共有3300多名人员获得FRM头衔。在中国北京、上海,武汉,成都,广州,南京,香港,台北设有考点。目前中国已取得FRM证书的大约在1500人左右。 FRM考试虽然设立时间不长,但发展极为迅速,已经得到华尔街和其他欧美著名金融机构与大型公司风险管理部门以及政府监管层的认同,并已经初步成为风险管理领域的最权威的认证。而且FRM考试全部实行标准化,费用相对较低。所以,对金融风险管理感兴趣的或正在从事相关工作的朋友,不妨可以试一下,既可以提高自己的风险知识水平,又可为职场发展和事业开拓增加一个重磅筹码。2.FRM公信力如何?风险管理涵盖众多领域,包括数量分析、市场风险、信用风险、操作风险、基金投资风险、会计、法律、等内容。在今日错综复杂、瞬息万变的金融市场上,风险往往难以掌握。在金融市场困境或有危机发生时,有效管理风险往往成为企业成功的重要关键。在国内正日益受到国家金融监管机构以及各家金融机构的重视,对金融风险专业人员的需求日益壮大。3.FRM 公正性如何?从1997年开始,考试认证已有全球4000名成为 FRM CHARTER HOLDER 。过去几年每年以超过38%成长率,参加FRM认证考试。由于FRM的考试科目,全面涵盖资本市场风险、信用风险以及操作与整合性风险、公司治理等等领域,已广泛为全球金融界与企业界所推崇代表在财务领域中最专业与高阶的全球性风险专到鹑谥ふ眨?FRM未来成为最耀眼的明星指日可待。
砝码砝码 cate 程 yydsFRM全称Financial Risk Manager,即金融风险管理师,属于全球金融风险管理领域的一种资格认证。FRM总共有两个级别,十个科目,十个科目分别是《风险管理基础》、《数量分析》、《金融市场与金融产品》、《估值与风险建模》;《市场风险测量与管理》、《信用风险测量与管理》、《操作及综合风险管理》、《投资风险管理》、《流动性和资金的风险测量与管理》、《金融市场前沿话题》。一级:每年的5月、7月、11月参加考试二级(2021年):5月和12月FRM是全球性考试,目前在中国设立的考点有:北上广深、天津、南京、成都、武汉、杭州、厦门、济南、南昌、珠海、郑州、长沙、西安、香港、台湾、澳门。大家可以在报名的时候自行选择离自己近的考点城市报考。
CFA简称金融分析师,金融分析师资格考试被称作“全球金融第一考”。据介绍,特许金融分析师是当今世界证券投资与管理界普遍认可的一种职业称号,金融分析师更是存在巨大供需缺口。仅以上海为例,据预测,未来3年对CFA的需求量是5000人,这些CFA资格拥有者,受到多家国内外金融机构挖抢,他们的年薪通常也很高。“正因为如此,中国的特许金融分析师热正在不断升温,报考CFA的人数在逐年递增。据统计,2008年6月CFA考试中国内地总计有10000多名考生报名参加。这些数字说明了有越来越多的金融机构认识到了培养CFA人才的重要性,也反映了金融从业人员意识到CFA名衔是个人职业发展的金字招牌。在中国内地,诸多投资银行、基金管理公司及证券公司等机构更是有千金易得,分析师难求的慨叹。据调查,随着2005年以来,国内金融证券市场的持续发展,越来越多的特许金融分析师活跃于国内的金融投资舞台,许多已担任了如基金经理、投资总监、研究总监、优秀财务总监等重要职位,业绩好的年新突破百万RMB的也是非常普遍。无论是中国还是美国,特许金融分析师charter占比例最大的两类人都是portfolio manager和research analyst。美国的所有特许金融分析师holder里面有23%是portfolio manager,也就是就是基金经理,占了快四分之一。中国的略低,CFA考试人数里也有18%是基金经理。美国第二大类特许金融分析师holder是research analyst,占了18%。这些分析员是指那些研究股票或者债券的分析员,有可能buy side的(基金公司的研究员),也有可能是sell side的(投行里的行研部门)。对投资行业薪酬状况的调查表明,雇主愿意为拥有10年或以上工作经验CFA持证人提供高额奖金。同行业,CFA持证人比非持证人收入高24%。如果不谈工作经验,CFA持证人于非持证人的薪酬差距将更大,CFA持证人的薪资高于非持证人54%。以下是CFA持证人年收入的一些数据:全球CFA持证人年收入平均收入17.8万美元新加坡CFA持证人年收入11.3万美元加拿大CFA持证人年收入10.8万美元★美国CFA持证人年收入基本薪水:$194,000基本薪水加红利:$304,000工作10年以上基本薪水加红利:$392,000CFA持证人在美国年薪比哈佛MBA12.8万的年薪还高出6万美元左右。★英国CFA持证人年收入基本薪水:$179,000基本薪水加红利:$320,000工作10年以上基本薪水加红利:$412,000★香港CFA持证人年收入基本薪水:$194,000基本薪水加红利:$304,000工作10年以上基本薪水加红利:$392,000那么,如果是没有拿到CFA资格认证,只是通过了部分CFA考试,他们的收入怎么样?★CFA一级学员收入:基本薪金RMB240,000奖金RMB102,400总计年收入RMB342,400★CFA二级学员收入:基本薪金RMB436,000奖金RMB156,000总计年收入RMB592,000★CFA三级学员收入:基本薪金RMB514,800奖金RMB423,600总计年收入RMB938,400雇佣CFA持证人的十大主要公司:全球范围内,雇佣CFA协会会员的十大主要公司:美国银行美林证券(Bank of America Merrill Lynch)、花旗集团(Citigroup)、瑞士信贷集团(Credit Suisse)、德意志银行(Deutsche Bank)、汇丰银行(HSBC)、摩根大通(JP Morgan Chase)、摩根斯坦利(Morgan Stanley Smith Barney)、加拿大皇家银行(RBC)、瑞士联合银行(UBS)、富国银行(Wells Fargo)
金融从业人员要严格遵守党的政治纪律、组织纪律、经济工作纪律和群众工作纪律。那么金融从业人员怎么用英文来写自我评价呢?下面是我整理金融从业人员英文自我评价的范文,欢迎阅读!
Wenzhou city finance office to xx years 20 provinces, proceed with the "gold" instead of all policy decisions to lead, to pay special attention to the comprehensive financial reform and the task of maintaining financial stability, in the service of the real economy, the local financial organization innovation, regulating the behavior of folk financing, developing capital market development, promote the construction of financial agglomeration area, maintain economic and financial order done a lot of fruitful work stability, etc.
First, the innovation of financial institutions has been further deepened
We will deepen the trials of microlenders and increase the number of pilot targets for two small loan companies. The three small loan companies have been awarded the title of the excellent small-loan company in 20xx, which is the beginning of the reform of the shareholding system in the ryanrural cooperative bank. We will steadily carry out trials of private lending and registration services, and create a model for private capital management. We will do a pilot work in rural funding and rural insurance, and implement the plan and construction of a financial innovation industrial park.
Second, regional financial services were further optimized
We will increase financial support for economic development. We will encourage banking institutions to actively seek credit indicators and encourage Banks to increase their support for real economic credit. In wenzhou, we will carry out the trial of micro-loan guarantee insurance, fully implement the fire public liability insurance, and actively carry out the mortgage business.
We will establish a public financial risk control system. Timely coordinate the banking institutions to assist the enterprise in the turnover of funds. To organize and carry out the operation of risk management and bank non-performing loans, and do all we can to ensure the risk prevention and control of related enterprises.
Third, local financial regulation was further strengthened
Strengthening supervision of banking and financial institutions. To revise the measures for examination of performance measures for supporting local economic development in financial institutions. We will explore the establishment of the quarterly public ranking system for the contribution of the banking institutions, and further implement the system of linking the proportion of fiscal funds to the contribution of Banks. We will conduct a thorough investigation of the risk of corporate funding, establish a database of early warning information for risk enterprises, and implement dynamic tracking management.
To guide the standardization of local financial institutions. We will formulate the daily supervision measures of various local financial organizations and gradually form a regulatory framework. We will take a variety of ways to review and supervise various local financial organizations in order to further understand their operations.
Third, establish a mechanism for the risk of illegal fund-raising
To formulate the plan for the risk of illegal fund-raising in the city. To study and deploy the risk of illegal fund-raising.
We will clean up illegal financial activities. Before and after September 20 xx for two months on the basic situation of all kinds of local financial institutions a comprehensive screening examination, for all kinds of data on the basis of local financial organization classify arrange them, multi-pronged control illegal financial activities.
Fourth, the financing channels for capital markets expanded further
Issue the first corporate finance bonds. "20 xx years ruian state-owned assets investment group co., LTD., bonds" issued on November 26, officially listed, this is our city to issuance of enterprise bonds financing in the form of the first corporate bonds. The issuance of corporate bonds provides a useful exploration for the innovation of corporate finance in the whole city.
We will expand access to capital markets. The diversified financing pattern will be formed around the needs of local real economy financing.
Increase the marketing of capital markets. We are active in the publicity and training of enterprises to raise funds in multi-channel capital markets.
Cultivate the reserve resources of the listed enterprises
To amend the policy of supporting the newly listed enterprises, the municipal government has introduced a series of preferential policies and a mechanism for financial incentives. The second is the tilt in policy support. Third, we will help enterprises in action. Fourth, we will establish a database of listed enterprises.
A year has passed since then, and I haven't felt anything yet. But on the whole, I work in the past year was good, in addition to good finished his work, also to help colleagues to complete some depth, and so many times was praised by the leadership, in the year-end bonuses and most of all the staff.
Over the past year, I have made clear that I have not done anything detrimental to my work, and I have done nothing to miss any account. I listened carefully to the instructions of the leader and the correct advice from my colleagues, and I always did well.
In the area of honesty: I strictly observe the party's political discipline, organizational discipline, economic work discipline and mass work discipline. We will closely contact the people to realize, uphold and develop the fundamental interests of the people. Himself firmly set up the correct authority view, status, values, and to establish the idea of serving the people, the public satisfaction is not satisfied with, embrace didn't embrace, don't approve of as work starting point and the foothold, does the practical work hard for the masses, do good, strictly implement the rules and regulations.
In terms of performance: I am clear in my work, planning, proactive and leading. To develop and progress, often make rationalization proposals and be adopted, to complete the heavier work tasks and other work assigned by the leaders; Pay attention to the method of work and be more efficient; To be able to finish the work on time or in advance, the performance is outstanding and the results are good.
In DE aspects: set up the accomplishments of the scientific concept of development and the correct principles, discipline, strong ZhengJi, organizing ideas, in the big is not consistent with the central party committee on the issue. We will conscientiously implement the centralism of democracy, take care of the overall situation, follow the division of labor and carry the heavy burden. Respect one's hand and unite the leader
Team members and cadres and workers, ideological style, work style, insist the principle, refinement and pragmatic and pioneering spirit, earnestly fulfill responsibility, adhere to administration according to law, serious and responsible in charge and assisting work, support head work, promote the branch three civilization construction smoothly.
In terms of energy: knowledge and mastery of the country's financial policy and financial laws and regulations, which can be carried out in a better way. Better coordinate all aspects of the relationship and work well with colleagues.
In the field of diligence, I have a strong sense of responsibility and a strong sense of responsibility. Work hard, take a positive attitude, be strong, carry the heavy burden, dare to be responsible, don't care about individual gain and loss; Hard work, hard work, hard work. No reason not to be late or leave early. Over the past year, I have basically no working age, the holiday is more on duty and working overtime, coordinating the relevant work, reviewing the relevant report.
In general, over the past year, I in the branch under the leadership of the party, in accordance with the standards of party member the leading cadre strict with oneself, firm political belief, strengthen political theory, laws and regulations, financial knowledge, shift work idea, improve the work style, adhere to honesty, self-discipline consciously bound, earnestly perform their duties, practice the "three represents" by the practical action.
In the coming year, I will not have any slack, I will work harder, to their own over the past year the disadvantages and advantages of the earnest summary, make the method of how to work in the New Year, to be able to do the work better, I can do it.
Bank is the lifeblood of China, only the bank job ready, make the accounting of our country to be able to complete clear, to make our country better development, this is the need to each bank staff to work hard, ability to make every accounts clear, through to our country
The development of the economy makes its due contribution!
I have been working in the company since December. Over the course of the year, I have made great progress in all aspects of our efforts through the care and guidance of our unit leaders and colleagues. I now report to the unit leaders and colleagues about my work for the past year:
One, in thinking, through to participate in a series of study and training and work and the unit that I deeply realized that learning the importance and necessity of the combination of theory and practice. Before the work, I was so weak and less aware of the collective sense of honor and the big picture that I didn't know what it was. A year of work, from work to life, from life to reality, every link is so important and important. We engaged in financial work, especially when engaged in a line at the counter, I always want to maintain a high alert and careful and meticulous attitude, realize what just call: do something repeatedly is the successful reason! In the face of money, we should stand up to the test and temptation, and firmly set up the right monetary values. Security is greater than the day. We must always improve security awareness, strengthen internal control and build a strong security barrier.
Second, we should continue to maintain good working style and positive learning attitude at work. Ask the old staff for advice and study. Have the courage to explore and develop new business and new varieties, actively do well periphery deposits, combining the reality of their own work, checking, self-correction, find out the existing problems in the work, good at discovering problems, thinking. I remember I was so confused and overwhelmed when I started working. When dealing with the business, they are nervous and afraid of making mistakes. So it was a really tough day for me. In fact, it doesn't work very well, just adding more weight and stress to yourself. Afterwards, through constant practice and explore, I finally overcome the fear psychology, business also began gradually from unfamiliar to the familiar, from nervous to calm. Now, work is a pleasure for me, a duty and a noble mission.
Three, in life, never to arrive, never know to know, from nothing to have, from dependence to independence, this is a short and long journey. After a year of hard work and struggle, I have learned to their money, only know before I have no money he stretched out his hand to his parents, now their turn "in charge", his grasp of the economy. Even the usual bedtime and rising time can no longer like before have a job without rules, to grasp their own every day, every minute, what things are only on their own to deal with, can no longer rely on family and friends. After the work, sometimes it may be late to get home, sometimes because of the need of work, and even rest is working overtime. When you finish your busy work each day, you drag your tired body home. This is work, although somewhat tired, but it is full and meaningful.
Of course, in this year of work, I also have a bad place to do. We are not mature enough, we are not active enough in our work, we are not disciplined enough in our life. We hope that through hard work and hard work, we will be able to correct our efforts and strive for the best.
The time is really fast, I have been working in my eyes for a year, and looking back on the past, I can't help thinking about it. In a word, work in just one year, but it is my life role transformation, is one of my growing years, is also my career on rural finance by the strange and familiar, love and willing to be a lifelong dedication without a year.
Finally, with the arrival of 20xx, I sincerely wish the agricultural letter of our district to be prosperous and successful. I wish the whole staff of our district trust in the New Year: good health, good work, family happiness and all the best!
accountant:会计auditor:审计员budgeteer:预算编制者cashier:出纳员personnel职员broker(agent):经纪人AccountingAssistant会计助理AccountingClerk记帐员AccountingManager会计部经理AccountingStall会计部职员AccountingSupervisor会计主管BondAnalyst证券分析员BondTrader证券交易员FinancialController财务主任FinancialReporter财务报告人F.X.(ForeignExchange)Clerk外汇部职员F.X.SettlementClerk外汇部核算员FundManager财务经理GeneralAuditor审计长InsuranceActuary保险公司理赔员TrustBankingExecutive银行高级职员