(1) Risk management covers many fields. In the increasingly complex and globally integrated financial market and commodity market, effective risk management and control plays an increasingly important role. Investment banks, commercial banks, securities companies and insurance companies all put forward higher requirements for strengthening risk control, and the subsequent result is a sharp increase in the demand for financial risk management professionals.
(2) FinancialRiskManager (FRM) is a title of qualification certification in the field of financial risk management and is known as "the most credible certificate". The certification determines the necessary knowledge system of risk management analysis and decision-making that occupational risk managers should master, and the GARP of the United States organizes examinations and issues certificates.
(3) It is held every year in cities of countries above 1 100, and the global examination pass rate is about 50%. GARP is a financial association with more than 30,000 members from more than 65,438+030 countries, mainly composed of risk management professionals, practitioners and researchers.
2. Insurance qualification certificate
Insurance qualification certificate is a kind of professional qualification certificate, which refers to a professional certificate obtained by relevant personnel through special national examinations. With this certificate, relevant personnel can engage in the insurance industry. Insurance qualification certificates can be divided into insurance agents, insurance brokers and insurance assessors.
3. Chartered Financial Analyst
(1)CFA is the abbreviation of Chartered Financial Analyst, also called Certified Financial Analyst. It is the highest-level certificate recognized by the financial investment industry in the United States and even the world, and it is also a necessary certificate for financial analysts of American heavyweight financial institutions. It is a professional qualification title in the field of securities investment and management, and is known as "the first test of global finance".
(2) Obtaining CFA certification is not only helpful for individuals to enter the high-paying financial industry, but also an important guarantee for career promotion.
(3) As the "gold standard" of the investment industry, CFA holders are hot, and their exams focus on the most advanced international financial theories and technologies, including investment analysis, portfolio management, financial statement analysis, corporate finance, economics, investment performance evaluation and professional ethics.
4, insurance broker qualification certificate
(1) The insurance broker exam is not only a national qualification certificate exam, but also an insurance broker qualification exam, and its fairness and authority are beyond doubt.
(2) Insurance brokerage practitioners refer to the staff of insurance brokerage institutions engaged in insurance brokerage business. Before practicing, an insurance broker shall obtain the Basic Qualification Certificate of Insurance Broker issued by China CIRC and the Practice Certificate of Insurance Broker issued by relevant units.
(3) An insurance broker shall abide by the Insurance Law of People's Republic of China (PRC), the Provisions on the Administration of Insurance Brokerage Institutions and other laws and regulations, the relevant provisions of the insurance supervision and administration department and the relevant rules of the insurance self-regulatory organization.
5. China Life Insurance Financial Planner
(1) China life financial planners are divided into three categories according to the product categories sold. The qualification name is the category classified by "China Life Planner", namely, China Life Planner-New Life Insurance Product Direction, China Life Planner-Health Insurance Product Direction and China Life Planner-Endowment Insurance Product Direction.
(2) The senior qualification name of this qualification is different from the intermediate qualification. The intermediate qualification is called "China Life Insurance Planner" and the senior qualification is called "China Life Insurance Financial Planner". The winner of advanced qualification needs the breadth and depth of knowledge and experience, so the acquisition of advanced qualification is the superposition of three intermediate qualifications.
Extended data
Main types
The organizational forms of the insurance industry can be divided into the following four types according to the different business entities:
1, National Insurance Organization
Also known as public insurance, it refers to insurance institutions operated by the state, local governments or other public organizations.
2. The company operates insurance institutions.
It is one of the private insurance organizations. According to the forms of liability, companies include limited liability companies, joint stock companies and unlimited companies. The organization of joint-stock insurance companies has the characteristics of flexible operation and high business efficiency. However, because the control of the company is in the hands of shareholders, the rights and interests of the insured are easily restricted and neglected, so all countries supervise and manage the company operation of insurance organizations in legislation.
3. Insurance Cooperation Organization
It is an unincorporated form of private insurance, and it is an organization organized by people or units who need insurance protection in society to handle insurance business in a cooperative way. There are mutual insurance cooperatives, mutual insurance companies and insurance cooperatives.
4. Personal commercial insurance form
(1) Only British law allows individuals to underwrite insurance business. Insurance business underwritten by individuals is conducted through Lloyd's. Lloyd's is a special phenomenon in the insurance market, which has existed since 187 1 was registered with the government in the name of Lloyd's Company.
(2) According to the original Provisional Regulations on the Administration of Insurance Enterprises, the organizational system of China's insurance industry consists of the State Insurance Regulatory Bureau, China People's Insurance Company, other insurance companies and rural mutual insurance cooperatives.
Relevant institutions
1, China Insurance Regulatory Commission
(1) The insurance industry in China has experienced a tortuous development process. The People's Bank of China and the Ministry of Finance have exercised insurance supervision functions in different historical periods. 1949 10 after the founding of new China, the People's Insurance Company of China was established, led by the People's Bank of China. Since the second half of 1950s, China's insurance industry has entered a long-term downturn, and its supervision has stagnated.
(2) 1979 In April, the State Council approved the gradual resumption of domestic insurance business, and the insurance industry was still supervised and managed by the People's Bank of China. 1on March 3, 985, the State Council promulgated the Interim Regulations on the Administration of Insurance Enterprises, which stipulated that "the national insurance administration organ is the People's Bank of China". After that, the People's Bank of China gradually established and strengthened its internal institutions to supervise the insurance industry. 1In July, 1995, the People's Bank of China set up an insurance department to supervise Chinese insurance companies.
(4) At the same time, the People's Bank of China has strengthened the construction of systematic insurance supervision institutions, requiring provincial branches to set up insurance departments and sub-provincial branches to set up full-time insurance supervisors.
(5) With the development of separate operation of banks, securities and insurance, in order to better supervise and manage the insurance industry, the State Council approved the establishment of China Insurance Supervision and Management Committee on June 5438+099865438+ 10/8 to take charge of the supervision function of the national commercial insurance market.
2. China Insurance Association
(1) insurance association of china was established on March, 2006 1. It is a national self-regulatory organization of insurance industry in China approved by the China Insurance Regulatory Commission and registered in the Ministry of Civil Affairs. It is a voluntary non-profit social group legal person.
(2) On June 65438+February 65438+February 07, 2007, according to the spirit of "Guiding Opinions of China Insurance Regulatory Commission on Strengthening the Construction of Insurance Industry Associations" (No.8 of China Insurance Regulatory Commission [2007]1/KLOC-0), insurance association of china held the third general meeting of its members and successfully changed its membership, and successfully carried out the reform of its system and mechanism.
3. Insurance companies
The operation of insurance companies is a comprehensive business activity based on scientific analysis and professional knowledge. It emphasizes reasonable and effective organization and operation according to the objective laws of economy, nature, technology and insurance activities. The operating principle of an insurance company is determined by the law of large numbers and probability theory.
References:
Baidu encyclopedia-insurance industry