富二代海歸看國內金融理財師

1. ACCA,CISA,FSA,CFA,CFP,PMP誰幫忙用英文解釋下這幾個金融資格職業證書,(不要解釋是什麼的縮寫)

CISA is an audit professional certification sponsored by the Information Systems Audit and Control Association (ISACA). Candidates for the certification must meet requirements set by ISACA。
The CISA certification was established in 1978[1] for several reasons:

Develop and maintain a tool that could be used to evaluate an indivials' competency in concting information system audits.
Provide a motivational tool for information systems auditors to maintain their skills, and monitor the success of the maintenance programs.

Provide criteria to help aid management in the selection of personnel and development.

The first CISA examination was administered in 1981, and registration numbers have grown each year. Over 60,000[1] candidates have earned the CISA designation.

The CISA certification has been recognised with ANSI accreditation, along with the CISM certification- both of these certifications are managed by ISACA. It is one of the few certifications formally approved by the US Department of Defense in their Information Assurance Technical category (DoD 8570.01-M).

Requirements
Candidates for a CISA certification must pass the examination, agree to adhere to ISACA's Code of Professional Ethics, submit evidence of a minimum of five years of professional IS auditing, control, or security work, and abide by a program of continuing professional ecation.

Substitutions and waivers of such experience may be obtained as follows:[2]

A maximum of one year of information systems experience OR one year of financial or operational auditing experience can be substituted for one year of information systems auditing, control, or security experience.
60 to 120 completed college semester credit hours (the equivalent of an Associate or Bachelor degree) can be substituted for one or two years, respectively, of information systems auditing, control or security experience.
Two years as a full-time university instructor in a related field (e.g., computer science, accounting, information systems auditing) can be substituted for one year of information systems auditing, control or security experience.

[edit] Examination
The exam consists of 200 multiple-choice questions that must be answered within 4 hours. The exam is split between 6 Content Areas as of 2006:

IS Audit Process - 10% of Exam
IT Governance - 15% of Exam
Systems and Infrastructure Lifecycle Management - 16% of Exam
IT Service Delivery and Support - 14% of Exam
Protection of Information Assets - 31% of Exam
Business Continuity and Disaster Recovery - 14% of Exam
The exam is now offered in 11 languages at more than 200 locations worldwide in June and December.
The Association of Chartered Certified Accountants (ACCA) is a British chartered accountancy body with a global presence that offers the Chartered Certified Accountant (Designatory letters ACCA or FCCA) qualification worldwide. It is one of the world's largest and fastest-growing accountancy bodies with 122,426 members and 325,606 affiliates and students in 170 countries. The Institute's headquarters are in London with the principal administrative office being based in Glasgow. In addition the ACCA has a network of nearly 80 staffed offices and other centres around the world.

The ACCA is a founding member body of the Consultative Committee of Accountancy Bodies (CCAB) and the International Federation of Accountants (IFAC).

The term 'Chartered' in ACCA qualification refers to the Royal Charter granted in 1974 by Her Majesty the Queen in the United Kingdom.

Since Chartered Certified Accountant is a legally protected term, indivials who describe themselves as Chartered Certified Accountants must be members of ACCA and, if they carry out public practice engagements, must comply with additional regulations such as holding a practising certificate, being insured against any possible liability claims and submitting to inspections.

The Association of Authorised Public Accountants (AAPA), one of the British professional bodies for public accountants, has been a subsidiary of ACCA since 1996.

FSA is an independent non-governmental body, quasi-judicial body and a company limited by guarantee that regulates the financial services instry in the United Kingdom.
The Financial Services and Markets Act imposed four statutory objectives upon the FSA:
market confidence: maintaining confidence in the financial system
public awareness: promoting public understanding of the financial system;
consumer protection: securing the appropriate degree of protection for consumers; and
rection of financial crime: recing the extent to which it is possible for a business carried on by a regulated person to be used for a purpose connected with financial crime

[edit] Regulatory principles
The statutory objectives are supported by a set of principles of good regulation which the FSA must have regard to when discharging its functions. These are:

efficiency and economy: the need to use its resources in the most efficient and economic way.
role of management: a firm』s senior management is responsible for its activities and for ensuring that its business complies with regulatory requirements. This principle is designed to guard against unnecessary intrusion by the FSA into firms』 business and requires it to hold senior management responsible for risk management and controls within firms. Accordingly, firms must take reasonable care to make it clear who has what responsibility and to ensure that the affairs of the firm can be adequately monitored and controlled.
proportionality: The restrictions the FSA imposes on the instry must be proportionate to the benefits that are expected to result from those restrictions. In making judgements in this area, the FSA takes into account the costs to firms and consumers. One of the main techniques they use is cost benefit analysis of proposed regulatory requirements. This approach is shown, in particular, in the different regulatory requirements applied to wholesale and retail markets.
innovation: The desirability of facilitating innovation in connection with regulated activities. For example, allowing scope for different means of compliance so as not to unly restrict market participants from launching new financial procts and services.
international character: Including the desirability of maintaining the competitive position of the UK. The FSA takes into account the international aspects of much financial business and the competitive position of the UK. This involves co-operating with overseas regulators, both to agree international standards and to monitor global firms and markets effectively.
competition: The need to minimise the adverse effects on competition that may arise from the FSA's activities and the desirability of facilitating competition between the firms it regulates. This covers avoiding unnecessary regulatory barriers to entry or business expansion. Competition and innovation considerations play a key role in the FSA's cost-benefit analysis work. Under the Financial Services and Markets Act, the Treasury, the Office of Fair Trading and the Competition Commission all have a role to play in reviewing the impact of the FSA's rules and practices on competition.

[edit] Accountability and management
The FSA is accountable to Treasury Ministers, and through them to Parliament. It is operationally independent of Government and is funded entirely by the firms it regulates through fines, fees and compulsory levies. Its Board consists of a Chairman, a Chief Executive Officer, a Chief Operating Officer, two Managing Directors, and 11 non-executive directors (including a lead non-executive member, the Deputy Chairman) selected by, and subject to removal by, HM Treasury. Among these, the Deputy Governor for Financial Stability of the Bank of England is an ex officio Board member. This Board decides on overall policy with day-to-day decisions and management of the staff being the responsibility of the Executive. This is divided into three sections each headed by a Managing director and having responsibility for one of the following sectors: retail markets, wholesale and institutional markets, and regulatory services.

Its regulatory decisions can be appealed to the Financial Services and Markets Tribunal.

HM Treasury decides upon the scope of activities that should be regulated, but it is for the FSA to decide what shape the regulatory regime should take in relation to any particular activities.

The FSA is also provided with advice on the interests and concerns of consumers by the Financial Services Consumer Panel [2]. This panel describes itself as "An Independent Voice for Consumers of Financial Services". Members of the panel are appointed and can be dismissed by the FSA and emails to them are directed to FSA staff. The Financial Services Consumer Panel will not address indivial consumer complaints.

Chartered Financial Analyst (CFA) is an international professional designation offered by the CFA Institute of USA (formerly known as AIMR) to financial analysts who complete a series of three examinations. Candidates must have a bachelor's degree (or equivalent), be in the final year of their bachelor's degree program, or have at least four years of qualified, professional work experience in order to take the exams. In order to become a "CFA Charterholder" candidates must pass all three exams, agree to comply with the code of ethics, pay member es, and have four years of work experience deemed acceptable by the CFA Institute. CFA charterholders are also obligated to adhere to a strict Code of Ethics and Standards governing their professional conct

The Certified Financial Planner (CFP) designation is a certification mark for financial planners conferred by the Certified Financial Planner Board of Standards in the United States, Financial Planners Standards Council in Canada and 18 other organizations affiliated with Financial Planning Standards Board (FPSB), the international owner of the CFP mark outside of the United States. To receive authorization to use the designation, the candidate must meet ecation, examination, experience and ethics requirements, and pay an ongoing certification fee.[1]. The information contained herein relates specifically to CFP certification in the United States. For information on CFP certification outside of the United States, please see the FPSB website at http://www.fpsb.org/CMS/index.php?option=com_content&task=view&id=84&Itemid=110 for a list of affiliate member organizations and their respective websites.
The CFP Certification Examination is a 10-hour multiple choice exam, divided into one four-hour session (Friday afternoon) and two three-hour sessions (Saturday). The exam includes three major case problems and is designed to assess the student's ability to apply his or her knowledge of the aforementioned areas to financial planning situations. The exam was set as a requirement in 1993 and at that time CFPs were grandfathered without having to pass this exam. [5]

Indivials holding professional designations pre-approved by the CFP Board (like PhDs in business and economics, attorneys, Certified Public Accountants (CPA), Chartered Certified Accountants (ACCA), Chartered Accountants (CA), Chartered Wealth Managers (AAFM) ), and Chartered Financial Analysts (CFA) are entitled to register for and take the exam without having to complete the ecation requirements by using the CFP-board's challenge status.

Project Management Professional is properly expressed as the credential PMP. The credentialing agency is the Project Management Institute ([1] PMI). This credential is obtained by gaining a certification in project management through the completion of PMI certified training and examination. PMP training and examination material comes from the Guide to the Project Management Body of Knowledge PMBOK published most recently in 2007. Most exam questions reference PMI's project quality standards documented in the PMBOK. The PMP credential undergoes rigorous validation by ISO, and the PMBOK methodology is widely regarded as the instry standard for Project Management and has been adopted as the single standard for project management by agencies such as NASA.

PMP (Project Management Professional) is one of four concentrations offered by PMI in the study of Project Management:
1. CAPM Certified Associate in Project Management: This certification is obtained after passing the CAPM Exam
2. PMP Project Management Professional: This certification is obtained after passing the PMP Exam
3. PgMP Program Management Professional: This certification is obtained after passing the PgMP Exam
4. PMI RMP PMI Risk Management Professional: This certification is obtained after passing the PMI-RMP Exam

2. 留學生回國工作之前需要考的證書

金融會計類主要證件是CFA,CPA.其中CFA分三級，畢業前只能考第一級，CPA英國不知道如何規定，但是似乎也只能畢業後考。

次要證件是FRM金融風險管理師，ACCA,CPF。。。。。FRM有點難，認的不多，CFP除非你做個人理財師，不然用處也不大，ACCA就國內還喜歡，在國外因為沒有簽字權，是個雞肋證書，而且大部分學校的會計研究生讀完可以免考一半以上。。。。。

另外還有英國的注冊精算師，牌子很NB，也挺難的。。。。。理論上考出來就是金飯碗。。實際上我一朋友考完part3反而找不到工作，因為大部分公司給不起這工資

3. 30多歲轉行進互聯網行業，海歸工商管理專業，擅長英語又海外工作經驗，但完全不懂計算機互聯網技術

互聯網行業當然沒有問題，至於你。會不會發展的跟這個行業發展的一樣好，這個誰都沒法。給你打包票。只能說你自己好好把握住自己。建議只有四個字，貴在堅持。

4. 金融類海歸 回國求職疑問

外企或者做外貿的企業。如果想從事會計或財務方面工作的話建議考注會，你有國外經歷，英語基礎應該不錯，可以考慮ACCA，雖然中國不承認，但是大的企事業單位，外企，跨國公司還是需要的。

5. 「海歸 金融 碩士」都做什麼工作呢

現在海龜金融碩士實在是太多太多太多了。我很多同學出國不是金融就是會計，不是會計就是經濟。搞得無論是國內還是國外，工作都很難找。還有很多其他專業的人也來金融強飯碗。比如計算機，物理，數學專業的。還有很多本科其他專業的，去國外讀一個金融，回來也變金融碩士了...
說白了，如果在國外沒有工作經驗的話，這樣的專業在國內就是拼學校名氣，要麼拼人脈關系。

6. 山西前首富車曉前夫被限制出境，很多女明星嫁了假富豪嗎

娛樂圈是最不缺少是非的地方，比如前一陣的熱點鹿晗和關曉彤在一起了。又比如昨天的余文樂和王棠雲結婚了。明星生活總是可以把現實問題反映地一覽無余，有錢沒錢媒體記者都能給你查個底掉。

二、不聲不響的有錢人

舅舅算是那種不聲不響就把錢賺了的人。最早舅舅是開大眾浴池的，浴池遍地時他又開了飯店，再後來回老家經營起了建材廠。原來，只是覺得他挺有錢，卻不知道他多有錢。直到從同學那裡聽到，舅舅借給XX8000萬，然後現在最近又在搞一個旅遊策劃，擬投資XX地區8000萬，我才知道舅舅居然這么有錢。

7. 為什麼金融投資 海外留學生優先

含基金管理公司、金融投資控股公司、投資咨詢顧問公司、深交所、研究分析人員、風險管理人員、投資公司

如信託投資公司：

金融投資分析人員和個人金融理財人員。他們一般就職於銀行、金融策劃師。

八、上市(或欲上市)股份公司證券部及財務部

這樣的職業對考生的財務管理知識要求比較高，有志於證券、財務的考生可以把學習重點適當向財務傾斜一下。

九。

加拿大金融投資分析人員也被稱為金融分析師、上交所、證券分析師或投資分析師。

三、金融業相關委員會

如中央人民銀行、銀行業監督管理委員會、保險公司、基金公司、證券監督管理委員會、保險監督管理委員會等

四、政策性銀行

比如國家開發銀行、中國農業發展銀行等。

五、證券公司等金融機構、金融財務審計師和會計師、交易員、太平洋保險等也是考生的常去之處，幫助這些加拿大公司或公司客戶作出理性的投資決定。他們的主要職責是根據客戶的短期和長期的金融需要和金融狀況，為客戶提供購買適合客戶需要的金融產品的建議。

• 在加拿大金融專業畢業後。

  七、基金公司

  如社保基金管理中心或社保局等，在中國的就業的方向一般有以下幾種：

一、商業性質銀行

中國工商銀行、建設銀行、農業銀行等在內的國有四大銀行以及招商銀行等股份制商行。

二、保險公司

保險公司、金融顧問等。

• 中國大陸移民從業人數較多。

  加拿大個人金融理財人員也被稱為金融理財師、高等院校金融財政專業教師、研究機構研究人員、出版傳播機構等

  這些專業在金融學就業的邊緣，是一種綜合的職業

  • 目前加拿大金融業所需人才主要分為如下幾類：

  一般業務人員、財會類業務人員、收入較高的兩種職位、期交所等。

  六、或者保險經紀公司，如中國人壽保險、平安保險、大型企業財務公司等

8. 北大畢業的學生普遍都混的很好嗎

作為北大學生，看到這個尖銳的問題還是忍不住想來回答一下。

以上是個人的一些看法，希望你可以接納，謝謝閱讀。

9. 美國留學生活中如何理財

如果你也正要國留學或者准備出國留學，掌握一定的換匯常識和理財技巧可是必須的哦。匯率像股市一樣有起有落有風險，因此掌握一定的理財技巧能讓你的留學費用省下一大筆錢，下面，小編就來跟大家講幾個留學生們不可不知的理財技巧。
1 貨幣兌換類似於定投基金
受外幣匯率以及不同國家留學生政策的影響，出國留學的總費用也在不斷變化。如何根據外匯匯率的變動合理購匯、降低留學的成本也是不得不考慮的問題。
其實這個問題有點類似於在投資上的定投基金，只不過投資基金是為了穩定收益，而定投外匯是為了穩定留學成本。" 如果要長期以一定量購進外匯，這就要求留學生持續關注外匯走勢，為自己的留學費用做預算。近年來人民幣的持續升值導致去美、英、澳、加等國的留學費用相對降低，這或許也是留學人數不斷攀升的原因之一，因為大家都覺得 " 現在留學很劃算 "。
2 確保簽證存款應在一年前啟動
「留學是件必須早早謀劃的事，特別是在資金方面。」為留學預備的存款，不只是留學期間在國外的花費，部分國外學校在申請時就會要求留學生遞交一定的存款證明，不同國家對存款時間的要求各異。如果沒有提前完成必要的資金准備，將會影響最終的留學，盡早做好資金規劃就顯得很有必要了。
在獲得錄取通知書之後，進入申請簽證階段，存款證明對於簽證的通過至關重要。一般情況下，留學生需要提供相關國家要求的銀行存款證明資料，根據要求存入銀行，包括定期、活期儲蓄存款及憑證式國債。專家建議最好在申請簽證的一年前就啟動用於留學的存摺，並且最好有多筆存入支出的記錄，而不是一次性幾十萬的大額存入。因為大規模的資金注入不免讓簽證官覺得刺眼，簽證的動機也顯得過於急躁。
3 留學決定倉促時，通過申請留學貸款過關
如果留學決定做得比較倉促，沒有足夠的存款時長或者數額不足，又該如何過關 ? 可以通過辦理留學貸款的方式來彌補。一般來說，留學貸款的額度不能超過學校的報名費、一年內的學費、生活費及其他費用的等值人民幣總和，最高不超過 50 萬元人民幣，貸款的期限最長不超過 6 年。
澳大利亞、紐西蘭等國家都比較認可貸款證明。小編提醒，如果要申請留學貸款，最好要從申請學校的時候就開始准備，這樣可以幫助留學生順利申辦簽證。
4 辦理有出境消費取現費用減免的信用卡或雙幣信用卡
現在不少銀行都推出了雙幣信用卡，這種卡多以美元結算，還款方式上既可以用原幣還款免除貨幣兌換的損失，也可以讓家人在國內用人民幣還款。但如前往非美元國家，雙幣信用卡需要收取當地貨幣轉換至美元、及美元轉換至人民幣雙重轉換費。
這類信用卡大多有主副兩張卡，留學生持副卡在境外消費，父母在國內直接用主卡人民幣自動購匯還款，還可以設定附屬卡的消費額度，每筆消費都有簡訊提醒。另外，留學生們在國外消費的賬單，銀行會每月按時寄回，這樣父母在家就可以了解孩子在國外的消費情況。不過小編要告訴你，在國外取現可不劃算哦，因為銀行會按取款金額收取一定的手續費。
所以，辦理有出境消費取現費用減免的信用卡就很有必要，比如南潯銀行的豐收卡，家長在國內用人民幣向卡里存錢，留學生在國外直接消費或取出當地貨幣。同時減免出境後國內機構收取的ATM取現、查詢手續費、免去外國貨幣轉人民幣的貨幣轉換費。
5 預設境外賬戶解決國外取現的問題
留學生們還可以在境內預先開設一個海外賬戶，將留學期間所需要的學費、生活費等資金提前匯到這個賬戶，到境外激活一下就可以直接使用了。
這項業務主要是由境內銀行與海外分支機構合作，幫助留學生提前辦理境外銀行賬戶。一般來說，只要在出境前通過境內銀行向境外分支機構遞交開戶申請材料，海外行審核通過後，就會預先開設在境外銀行的賬戶。
這種海外留學生賬戶沒有最低存款要求，也不會收取賬戶管理費。對於初次出國留學的學生是攜帶資金最好的辦法，可以免去初到國外人生地不熟，再尋找銀行開戶的困擾。
6 外幣現金適量攜帶為妙
中國出入境管理局規定，中國公民出境最多攜帶 1 萬美元的等值外幣，並且只要超過 5000 美元，就要申領外幣攜帶證。帶過多的外幣現鈔也會有較大的遺失風險，現金數量大概在學費和生活費總和的 10% 左右比較合適。建議留學生們，如果准備出國後才開賬戶，那就需要攜帶適量的現金以備過渡階段使用，因為賬戶往往需要兩到三周才能順利開通。
除了上述的匯款方式外，還有幾種即時匯款的渠道，例如 " 西聯匯款 "、" 速匯金 " 等。這些匯款方式可以在 10 分鍾左右的時間內到賬，匯款人在匯款時指定一個代理此項業務的取款點，取款人則可以根據 " 密碼 " 到指定取款點取款。
7 留學保險為留學多做一份保障
另外，辦理相關金融服務後，留學生們最好能夠購買留學保險。在美國做一個簡單的闌尾炎手術就需要約 3000 多美金，比國內要高很多。所以保險必不可少，可以為留學期間的健康和財產多做一份保障。一般情況下醫療保險需要在就讀地購買;人身保險則可以在國內購買，這樣父母在國內與保險公司溝通也方便。
如果是家中子女出國留學，家長們則需要梳理以下已購買的保險，像長期的保終身的險種、分紅險以及投資類的保險需要繼續付下去。而短期的意外醫療、住院補貼、意外傷害等一次性的保險，可以退掉。因為這類保險一般保期是一年，而且對於國外發生的事件無法保障。
有些學校在留學計劃中就為留學生提供了代購當地保險的服務，而有些國家在辦理留學簽證時就要求出國人員先行購買規定數額的保險。所以留學生們在辦理手續前，需要詳細了解目的地國家的簽證要求。
以上內容就是天道留學小編為大家帶來的不看後悔的出國留學必備理財技巧，為了未來的留學生活的便利，選擇一些便捷的匯款方式是門必修課。出國留學美國的家庭如果在理財方面有困惑，可以請銀行的專業人士提供幫助。