繁體中文
精算師做啲乜
精算師用統計同財務模型評估長期風險。常見工作包括為保險產品定價、計算準備金、評估退休金供款同基金償付能力，同分析投資回報、死亡率同疾病率等假設。佢哋要清楚寫出模型假設，向管理層同監管機構解釋結果，並按新數據修訂模型。工作成果直接影響定價、資本同風險管理決策。保險公司嘅委任精算師更須定期就保險負債估值同財務狀況向董事會同保險業監管局提交精算報告。
入行關卡：專業考試
入行嘅硬關卡係專業考試，大學學位並非充分條件。讀完精算學課程唔代表已合資格；畢業生或可憑校內成績豁免部分考試科目，但仍要喺在職期間完成餘下考試。業界資料指出，由起步到考獲資格通常需時四至七年，期間僱主一般會提供課程資助、考試假同導師支援。以香港精算學會（ASHK）嘅本地考試為例，考試以英文進行、採用開卷多項選擇題，每年兩次且不設豁免。
香港嘅本地資格同委任精算師
香港精算學會（ASHK）設有本地考試。成為ASHK院士須取得核心卷同一份選修卷及格，同時持至少一個指定海外院士資格，並具學會理事會認可嘅實務經驗；ASHK本地證書係新院士嘅必備條件。要出任保險公司委任精算師，須為ASHK院士或持《保險業（精算師資格）規例》附表所列海外資歷，並事先獲保險業監管局認可。
English
What actuaries do
Actuaries use statistical and financial models to assess long-term risk. Typical work includes pricing insurance products, calculating reserves, assessing pension funding and fund solvency, and analysing assumptions such as investment returns, mortality and morbidity. They must set out model assumptions clearly, explain results to management and regulators, and revise models as new data arrives. The output directly shapes pricing, capital and risk-management decisions. An insurer's appointed actuary must also report regularly to the board and the Insurance Authority on the valuation of insurance liabilities and the insurer's financial condition.
The gate: professional examinations
The hard gate is professional examination; a university degree is not sufficient. Finishing an actuarial science programme does not make you qualified; a graduate may gain exemptions from some subjects on university results, but must still complete the remaining examinations while working. Industry material notes it usually takes four to seven years to qualify, during which employers commonly provide course funding, study leave and mentoring. Taking the Actuarial Society of Hong Kong (ASHK) local examination as an example, it is held in English, uses open-book multiple-choice questions, runs twice a year and offers no exemptions.
Local qualification and appointed actuary in Hong Kong
The Actuarial Society of Hong Kong (ASHK) runs a local examination. Becoming an ASHK Fellow requires passes in the Core paper and one Elective paper, Fellowship of at least one designated overseas qualification, and practical experience approved by the Council; the ASHK Certificate is a prerequisite for new Fellows. To be an insurer's appointed actuary you must be an ASHK Fellow or hold the overseas fellowships listed in the Schedule to the Insurance (Actuaries' Qualifications) Regulation, with the Insurance Authority's prior approval.
