Izishoshovu - ubani lo? Actuaries e Umshwalense

umsebenzi Actuary kuyinto ehlonishwayo e-United States kanye ne-Europe. ochwepheshe licubungule kubalulekile emikhakheni ehlukahlukene ibhizinisi. ERussia, ukuthandwa lokhu abanomsebenzi othile akuyona kugujwe, kodwa kunamasiko engakunqamuli ngenkuthalo ukusebenzisa izinhlangano actuaries amazinga kahulumeni ahlukahlukene umsebenzi. Ethandwa kakhulu basuke yasebhange wemboni, amasevisi, umshwalense, futhi ngenkuthalo amasevisi abo ezisetshenziswa izimali zempesheni.

Kuvele actuary specialist eqinisekisiwe

Izishoshovu - ochwepheshe ngubani abe nemfundo kwezomnotho noma lobuchwepheshe ephakeme, kanye ubamba isitifiketi ezifanele i actuary. ERussia, umsebenzi yabo akuyona ukuthi kumele ilayisensi, ngakho isitifiketi unikelwa ngesisekelo izivivinyo ezikhethekile. Lolu hlobo amagugu test akuzona bonke abazobhapathizwa. Kodwa ekupheleni kwako yimpumelelo ungasho ngokuphepha ukuthi izishoshovu - ongoti indinganiso ephakeme. Basuke eyenziwa isimo igunya lokuphatha.

Singasho ukuthi izishoshovu - ongoti emkhakheni wesayensi yezibalo, abanobukhali ezithile ezidingekayo sokubalwa izingozi umshwalense. Ngaphezu kwalokho, actuaries ezingenza ukubala ezivumela ukuba bafinyelele iziphetho mayelana impumelelo kokutshalwa kwezimali ezimpahleni ezithile.

Inkampani yomshuwalense ngeke akwenze ngaphandle onguchwepheshe ezifana

Actuary e umshwalense - specialist owenza amazinga umshwalense izibalo kanye umshuwalense. Mhlawumbe, kakhulu ziphoqa ongoti in ukuhlinzekwa kwezinsizakalo umshwalense, ukubaluleka kwalo kunqunywa ngesisekelo izibalo eyehlile. Ngaphandle ukuthi actuaries - lawa abasebenzi abaqeqeshiwe ukubala zigcine ledzingekako ngomshuwalense, bakwazi ukufeza ukuhlolwa kwe-project utshalomali, kanye nazo zonke ezinye izibalo ezihambisana nge ngokuzithandela noma umshwalense ayimpoqo.

Lezi ochwepheshe kubalulekile ukuze izinkampani zomshuwalense. Kusukela actuary e umshwalense - isisebenzi kumele kube abaqeqeshiwe, kule nkampani bephathwa ukunakekela okukhethekile, ngoba kunzima ukuthola uchwepheshe ngokwanele.

Futhi, ngokuvumelana nomthetho isiRashiya, kanti izinkampani zomshuwalense kumele ifake kusiphathimandla obhekene kokuqondisa nemisebenzi yabo, ubika izibopho zayo. Imibiko enjalo wenziwa ngesisekelo izibalo okuyizinto eyehlile isebenze.

Umshwalense actuary - akuyona umsebenzi, okumele kukhethwe uma ungazi wezibalo "lemihle kakhulu" kanye nezinye izinhlobo zesayensi. Imininingwane umsebenzi ezifana, amanga ngokungenaphutha izibalo ngqo, udinga ukwenza nsuku zonke. Phela, umshwalense actuary - ubuthishela wemfanelo kakhulu: ngenxa yokubala ayilungile izimali umshwalense lenkampani ezinjalo kungaba ukumane ukhethe ilungelo ukwenza imisebenzi umshwalense.

Lapho benza lo msebenzi

Igama elithi "actuary" elisuka wamaRoma. Bayibiza eRoma yasendulo, umuntu owayesebenza egawula emhlanganweni iSigele. Kodwa lokhu incazelo yegama elithi ke akusekho.

umsebenzi Actuarial ekuqondeni yesimanje izindima, izibopho kanye nemisebenzi ye actuaries ubonakele eBrithani ngo kwekhulu le-18. Nakuba kwakudingeka nje izibalo elungile ukuze bathethelele ezingeni elithile amanani umshwalense, okuyinto elichaza izingozi ezithile e umshuwalense wokuphila.

Ngo 1762 kwakukhona inkampani yokuqala okuye kwabangela imisebenzi eyehlile. Ngenxa funa ezinkulu ochwepheshe anjalo, emakethe sakhula futhi athuthukiswe. Ngo okufanayo ngokukhula kwezinhlelo emakethe, kwaphakama ezingasho isidingo ukudala inhlangano esingaletha ndawonye izishoshovu kanye ukulawula umsebenzi wabo. Lokhu kuye kwaba negalelo ukuvela London Isikhungo Actuaries e 1848, ngemva kweminyaka emine - Faculty of Actuaries e Edinburgh.

Ngakho ngo-1895 imiphakathi enjalo eBelgium, e-UK, eJalimane, eFrance nase-United States baye basungula jikelele we-International Association of Actuaries, ogama ekomkhulu kuyinto e Brussels. Le nhlangano njalo ngemva kweminyaka emine, ibamba imihlangano. Basuke nixoxa ngezinkinga ngokucindezela imisebenzi eyehlile, imikhuba, isakhiwo kanye nokusebenza.

Yiziphi imisebenzi ningabeki isikhubekiso phambi ochwepheshe ezifana

inkinga actuary aqukethe ekufezeni izibalo, ukuze ukubala tariff afanele amasevisi umshwalense. Ngaphansi yamanani efanelekayo kusho ukubaluleka ezinsizakalweni ezifana ukuze inkampani, okuzokwenza sihlanganise lonke elase izingozi yemisebenzi yayo ezingeni solvency nokuzinza zezimali babe ezingeni lelifanele, ukuqinisekisa ukuzinza kanye ukubala ngesikhathi esifanele izibopho luyaphumelela.

Actuary uyisisebenzi okwaziyo ukunikeza izimpendulo isisebenzi sokuphatha kuzo zonke izindaba eziphathelene izindleko yamanani. Ngokwesibonelo, kufanele ukwazi ukuthola impendulo yalo mbuzo kanjani ukushintsha premium umshwalense uma ukwandisa ezikhokhiswayo kuze kufinyelele ezingeni elithile, kanye ekususeni uhlu izingozi oVikelwe "umonakalo ngenxa nezinye izimo." Kulokhu, kufanele kube izinga ulwazi evumela ukuba ngokucacile kopecks recalculate amazinga sinika inoma iluphi usizo enhlanganweni ezihlobene nemisebenzi umshwalense.

ukuba abe actuary kanjani

Into yokuqala udinga ukuthola iziqu ezifanele. Ezemfundo phezu actuary kuyabiza. Ucwaningo of abaqashi phesheya ebonisa ukuthi ukuqeqeshwa izindleko zabo cishe £ 6,000 ngonyaka zokutadisha.

Ukuze umuntu abe actuary, abafisa ukwenze njalo kumele kudlule amaningi njengoba 15 ukuhlolwa. Ngaphezu yesikole, abasebenzi yenkampani ziyawusekela iziqondiso ezinye izinto ezingase wusizo ekuthuthukiseni mkhakha.

ERussia, kunzima ukufunda ukuba actuary

On endaweni ukuqeqeshwa Russian Federation ngokuqondile lokhu okukhethekile engakathenjiswa umshado kunoma iyiphi isikhungo sakho semfundo. Ngokuyinhloko ukusebenza ukuthatha umuntu zaseyunivesithi futhi okuhle ngaso wezibalo. Bese kuthi-ke inkampani uye ngokuzimela ukuqhuba ukuqeqeshwa uyiphakamise ibhizinisi onguchwepheshe eyehlile.

Kumele uthole isitifiketi ngesiRashiya Actuarial Society. Ezinye izivivinyo Foreign Guild of Actuaries, evumela ukuqinisekisa izinga labo ulwazi nempumelelo uzothola umsebenzi enkampanini yomshuwalense noma ebhange.

izinhlangano Self-lelawula Actuaries (SRO Actuaries)

Ukuze ukuqapha imisebenzi abasebenzi abenza imisebenzi kukhona izinhlangano ezingenzi nzuzo, okuyinto engamele umsebenzi wabo, futhi zingenza ukulawulwa ubudlelwane emakethe amasevisi eyehlile. Ngamanye amazwi, inhlangano enemitheshwana ka actuaries ngu inyunyana abasebenzi, bebuka lezo ochwepheshe ukusebenza.

Noma yimuphi uchwepheshe ezinjalo ukuze bafeze imisebenzi yabo professional kumele libe yilunga lenhlangano ezinjalo.

Iziphi izici SRO Actuaries

Ungakhetha le misebenzi elandelayo:

1. Development, ukwamukelwa kanye nokulandelwa kwale izindinganiso nemithetho okufanele ziqondise actuaries kokwenza imisebenzi okhokhelwayo.
2. Ukusungulwa izimfuneko nemibandela yokuvuma amalungu amasha, imali yobulungu, izinhlawulo.
3. Ukuvikelwa kokuthandwayo amalungelo amalungu inhlangano emagunyeni yomphakathi, izinkantolo kanye izinyathelo.
4. isilawuli Ukuzivocavoca phezu umsebenzi professional namalungu enhlangano, ukwenza ngokuvumelana yonke imithetho kanye nezinqubo eyayifunwa umthetho.
5. Ukuqinisekisa amalungu egcwele ukwesekwa ulwazi.

Yiziphi izimfuneko kumele kuhambisane SRO

Imisebenzi izishoshovu eRussia kuhambisana uhlelo hhayi ngokugcwele ukuthuthuka kwemibhalo esemthethweni. Ngakho-ke manje phambi Duma State libona bill ukuthi kwakuyoba Zilawula ka Actuaries. Lo mbhalo zomthetho kusho ukuthi inhlangano enemitheshwana ka actuaries kumele bahlangabezane nalezi zidingo ezilandelayo:

1. Njengengxenye yenhlangano, phakathi kwezithunjwa kukhona abantu engengaphansi kwengu-100 abahlangabezana zonke nezimfuneko eziqanjwe ngumthetho.
2. Kumele isikhwama isinxephezelo izinkokhelo ekusunguleni izimangalo amakhasimende. Isikhwama okunjalo kwakhiwa kuphela yemali. Kulokhu, wonke amalungu inhlangano kumelwe umnikelo ayimpoqo. Umnikelo ubuncane kufanele alingane ruble ayizigidi ezingu-30. Usayizi wokugcina ekukhokhweni izimangalo amakhasimende yesikhwama isinxephezelo akufanele kube ruble ezingaphezu kuka-600 000.
3. Ngo inhlangano enjalo kufanele ibe nesakhiwo ecacile, ukuhlukana, futhi collegial ukuphathwa umzimba. ibhodi anegunya sika asimeme bangase benze.
4. Inhlangano kumelwe balwele ukusebenzisa izimiso umsebenzi eyehlile ukuthi uvumelane futhi awaphikisani umthetho we Russian Federation.

Yiba oyisazi bakwazi ukubala izindleko zale noma ngenxa yezinye izingozi - kuwumsebenzi eziyinkimbinkimbi. I actuary kufanele abayazi kahle sciences ngqo futhi bakwazi ukuxazulula izinkinga ezinzima ezihlobene inombolo enkulu angaziwa.