CFA作為一門國際性金融資格證書，很多人都知道并非只是通過考試就可以取得認證的，后期還涉及到一個工作經(jīng)驗問題。對于這些CFA經(jīng)驗?zāi)愣剂私饷?？目前通過CFA考試的難度相比過去幾年相對降下很多，通過三級考試是成為注冊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)會規(guī)定的4年相關(guān)工作經(jīng)驗，不過很多大陸CFA考生并不清楚如何界定這工作經(jīng)驗。

一、考前要求的工作經(jīng)驗

什么？CFA報名考試不是不用工作經(jīng)驗嗎？

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

如果申請人不具有學(xué)士學(xué)位則需要一定的工作經(jīng)驗作為專業(yè)水準來考核，一般來說，4年的工作I經(jīng)驗可以視為替代學(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、考二級或者三級需要更多的工作經(jīng)驗嗎？

不需要，在成功注冊后可以報考CFA三個級別的考試，期間對工作經(jīng)驗沒有任何更高的要求。

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

CFA協(xié)會認可的工作經(jīng)驗包括：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)會認可，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)，亦可提供詳細的工作經(jīng)驗給CFA協(xié)會，也是被認可的。

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、評估及應(yīng)用金融、經(jīng)濟和統(tǒng)計數(shù)據(jù)；直接或間接主管他人進行上述活動；從事上述投資決策活動的教學(xué)培訓(xùn)工作等等。“投資管理與研究協(xié)會”要求CFA認證的申請者必須花超過40%的時間用于以上工作，其中假期、兼職和實習(xí)期間的工作經(jīng)驗不予承認。工作經(jīng)驗的積累可以在參加CFA考試之前，其間或以后，但只有達到四年的相關(guān)工作經(jīng)驗積累后，才能獲得CFA認證。

總體來說CFA協(xié)會對于此類工作經(jīng)驗還是相當(dāng)嚴格的，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)會認可，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)，亦可提供詳細的工作經(jīng)驗給CFA協(xié)會，也是被認可的。

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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