CFA作為一門國(guó)際性金融資格證書，很多人都知道并非只是通過考試就可以取得認(rèn)證的，后期還涉及到一個(gè)工作經(jīng)驗(yàn)問題。對(duì)于這些CFA經(jīng)驗(yàn)?zāi)愣剂私饷?？目前通過CFA考試的難度相比過去幾年相對(duì)降下很多，通過三級(jí)考試是成為注冊(cè)金融分析師的第一步，但是考生想要成為CFA持證人必須符合協(xié)會(huì)規(guī)定的4年相關(guān)工作經(jīng)驗(yàn)，不過很多大陸CFA考生并不清楚如何界定這工作經(jīng)驗(yàn)。

一、考前要求的工作經(jīng)驗(yàn)

什么？CFA報(bào)名考試不是不用工作經(jīng)驗(yàn)嗎？

其實(shí)只要有學(xué)士學(xué)位的人報(bào)考CFA不用工作經(jīng)驗(yàn)，或者在校本科生在畢業(yè)前18個(gè)月也可以報(bào)考CFA，不用工作經(jīng)驗(yàn)。

如果申請(qǐng)人不具有學(xué)士學(xué)位則需要一定的工作經(jīng)驗(yàn)作為專業(yè)水準(zhǔn)來考核，一般來說，4年的工作I經(jīng)驗(yàn)可以視為替代學(xué)士學(xué)位。這4年的工作經(jīng)歷不一定是從事金融行業(yè)的相關(guān)工作，只要是合法、全職的工作經(jīng)歷都可以被接受。

二、考二級(jí)或者三級(jí)需要更多的工作經(jīng)驗(yàn)嗎？

不需要，在成功注冊(cè)后可以報(bào)考CFA三個(gè)級(jí)別的考試，期間對(duì)工作經(jīng)驗(yàn)沒有任何更高的要求。

三、申請(qǐng)證書需要工作經(jīng)驗(yàn)，什么樣的工作經(jīng)驗(yàn)才符合要求呢？

CFA協(xié)會(huì)認(rèn)可的工作經(jīng)驗(yàn)包括：直接參與投資決策過程或者為投資決策過程提供支持等相關(guān)工作。職位本身的名稱不能直接決定是否被CFA協(xié)會(huì)認(rèn)可，主要是日常工作中涉及到的職務(wù)內(nèi)容必須50%以上和投資決策相關(guān)的才是被認(rèn)可。其它職務(wù)如果工作中涉及的職務(wù)內(nèi)容和投資決策相關(guān)，亦可提供詳細(xì)的工作經(jīng)驗(yàn)給CFA協(xié)會(huì)，也是被認(rèn)可的。

包括：在投資決策過程（如金融分析、投資管理、和證券分析等等）中收集、評(píng)估及應(yīng)用金融、經(jīng)濟(jì)和統(tǒng)計(jì)數(shù)據(jù)；直接或間接主管他人進(jìn)行上述活動(dòng)；從事上述投資決策活動(dòng)的教學(xué)培訓(xùn)工作等等。“投資管理與研究協(xié)會(huì)”要求CFA認(rèn)證的申請(qǐng)者必須花超過40%的時(shí)間用于以上工作，其中假期、兼職和實(shí)習(xí)期間的工作經(jīng)驗(yàn)不予承認(rèn)。工作經(jīng)驗(yàn)的積累可以在參加CFA考試之前，其間或以后，但只有達(dá)到四年的相關(guān)工作經(jīng)驗(yàn)積累后，才能獲得CFA認(rèn)證。

總體來說CFA協(xié)會(huì)對(duì)于此類工作經(jīng)驗(yàn)還是相當(dāng)嚴(yán)格的，畢竟CFA是金融行業(yè)內(nèi)含金量極高的資格證書，想要成為注冊(cè)金融分析師并把CFA寫于名字之后并非易事。

另外職位本身的名稱不能直接決定是否被CFA協(xié)會(huì)認(rèn)可，主要是日常工作中涉及到的職務(wù)內(nèi)容必須50%以上和投資決策相關(guān)的才是被認(rèn)可。如果所從事的工作在以下舉例的職位以外，但工作中涉及的職務(wù)內(nèi)容和投資決策相關(guān)，亦可提供詳細(xì)的工作經(jīng)驗(yàn)給CFA協(xié)會(huì)，也是被認(rèn)可的。

工作職位列表：

Accountant

Actuary

Auditor

Compliance analyst/officer

Consultant

Corporate chief financial officer

Corporate finance analyst

Client service representative or relationship

manager

Derivatives analyst

Economist

Financial adviser

Financial journalist/editor

Institutional sales professional/business

development (buy and sell side)

Investment banking analyst

Investment consultant

Investment strategist

Investor relations

Mutual fund sales

Portfolio administrator

Portfolio manager

Private client investment adviser

Product/software developer

Professor/instructor

Quantitative investment or risk analyst

Real estate investment manager

Regulator

Securities trader

Securities underwriter

Security/investment analyst

Supervisor of investment firm

Valuator of closely held business

Venture capital analyst

工作經(jīng)驗(yàn)描述

You must spend at least 50% of your time in the investment decision-making process in order for your work experience to qualify. Keep in mind that there are no "good" or "bad" job titles. Just tell us how your experience relates to the investment decision-making process and be as descriptive as possible.

Job Title

Work Experience Description

Descriptive Enough?

Portfolio Manager

Rebalance high-net-worth clients" portfolios by trading short-term assets and pooled funds. Analyze and evaluate client performance reports.

Yes

Rebalance portfolios; perform reporting.

No (too brief)

Securities Underwriter

Prepare financial models based on reviewed information; participate in the valuation and decision-making process; analyze fundamental and value acquisition targets for clients.

Yes

My company provides risk analysis and financial planning for customers.

No (does not describe job duties

Auditor

I perform financial statement audits of investment companies and in the process test the custody and pricing of the portfolios. Used Bloomberg and learned the accounting of several security types, including equities, bonds, options, and futures.

Yes

Review the internal control processes to ensure compliance with the requirements of the Sarbanes-Oxley Act and recommend process improvements. Perform non-SOX-related financial and operational audits on businesses to identify control and process weaknesses and recommend process improvements.

No (does not add value to the investment decision-making process)

Quantitative Investment Analyst

As a financial engineer in an asset management company, I am responsible for evaluating product development and using quantitative methods and tools to recommend asset

allocations, construct portfolios, and perform derivative analysis.

Yes

My work is related to product design and quantitative analysis.

No (too brief)

Consultant

I am a management consultant to the financial services industry, working with risk management functions, assisting clients in developing and refining statistically based credit risk models covering a diverse range of portfolios.

Yes

Management consulting for the financial services industry.

No (too brief)

Actuary

I perform projections, cash flow analysis, and durational analysis of individual health insurance policies. These activities have a direct bearing on the investments chosen to back the reserves for these blocks of business.

Yes

Support annual actuarial valuation process. Benefit calculations.

No (does not add value)

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