金融硕士还是CFA？纠结过后的我为什么还是选择了CFA (豆瓣 CFA LEVEL1(特许金融分析师)小组)

{"blocks":[{"key":"bkb5v","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2e4cj","text":"前言:其实，大家看到这个帖子题目时就应该知道这是一个让人纠结的选择。想必很多现在或者是曾经的你都有过这样的纠结期——金融硕士还是CFA证书？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bhuve","text":"金融硕士好还是CFA好？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"d3a7u","text":"关于这个问题，我不想轻易的给出任何结论。希望大家能根据自己的规划，选择适合自己的那条路。在此，我只将自己在纠结期时对二者进行的对比经验做一个分享，希望能给诸位一些启发。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"83fd2","text":">>>点我咨询CFA考试课程选择问题<<<","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":0,"length":21,"style":"BOLD"}],"entityRanges":[{"offset":0,"length":21,"key":0}],"data":{}},{"key":"9ai4b","text":"毕业出路之考研利弊分析","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2iosi","text":"关键字：利","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"65fjr","text":"（1）延缓就业压力，推迟就业期的到来。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bj38g","text":"（2）有些城市，有些学校能给研究所解决户口的问题提高自身学历，增强竞争力。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"572qf","text":"（3）国家出台了新的研究所扩招政策，考研相对容易，能够拿到更高的文凭。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"vvr0","text":"（4）学术上有创见，可以沿着这个方向一直努力，毕业后获得稳定的工作。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cu2ns","text":"关键字：弊","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7hio1","text":"（1）研究生毕业后,毕业压力仍在,而且有了更为年轻的竞争者,压力越加沉重；读研期间，不一定能学到对自身职业有用处的知识,可能会白白浪费了积累经验的时间。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"de90n","text":"（2）研究会生扩招，会出现和大学扩招相同的结果---研究所学历一定程度上贬值，也许毕业后只有一个选择---考博。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fs48r","text":"（3）研究生毕业或博士毕业后年龄偏大，失去年龄优势，特别是女生，要面临更多的年龄歧视。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2h6f3","text":"（4）学术研究，层次越高，就业面就越窄，毕业后,面对更加激烈的竞争，此时却已很难放弃本专业。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4coe3","text":"关键字：建议","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ccdrv","text":"如果对某个专业，某种学问有无法遏制的热爱和相应的研究能力，不要浪费自己的爱好和天才，继续深造，终有一天会有建树。但如果考研只是为了规避和缓解就业压力，建议不要考研，试想，2-3年内，你将与多少机会失之交臂。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"eds3r","text":"毕业出路之考证利弊分析","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ahulr","text":"关键字：利","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cih4o","text":"（1）CFA证书是金融领域公认的黄金证书，是世界顶尖金融行业的通行证。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c2sqh","text":"（2）CFA证书职业发展前景好，且在中国当下持证人不算很多。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bn423","text":"（3）CFA考证的过程在一定程度上就是丰富人脉的过程。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c31pi","text":"（4）CFA证书可以助你通向高端阶层、高收入人群、高品质生活。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2fh3h","text":"（5）CFA证书实用性强，内容以应用为主，注重实际操作，密切联系实际，不花过多精力在理论上，更不需要写毕业论文。CFA课程所提供的最新。最具操作性的专业知识，也是被中国金融人士所迫切需要的。而目前的学历教育很多是空对空，理论到理论，缺乏实用性，为用人单位所头痛。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9qqok","text":"（6）CFA证书投资知识的完整性。在CFA的教材里包含了投资业所需的全部知识面，包括审计，财务，资产估价，企业管理，税务清算，固定收益产品，金融衍生品，房地产都囊括到其培训体系里，说CFA的知识结构不完整的言论，也是毫无道理的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4mvbr","text":"CFA考试完全采用国外最权威的教材，并且经常更新，每年会根据经济形势更改知识点，其体系完全跟国际接轨，紧跟投资业发展步伐，而且考试注重操作和实务，比高等教育更有优势。而国内硕士学位或MBA的教材很多十分陈旧，又不具有权威性。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ce8md","text":"（7）CFA证书规范性高。与国内的考试和高等教育不同，CFA考试绝对没有作弊和漏题现象，任何人都难以搞假，不管你是还是亿万富翁。而国内硕士学位或MBA考试和学习中存在严重的勾对现象，已经不是秘密。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"47elv","text":"（8）CFA证书与高等教育不同，除了专业的知识教学外，CFA还特别注重培养学生的诚信品质，使今后的游子决策的过程中养成勤勉和一丝不苟的工作作风。CFA具有严格的行业自律，如果犯有欺诈等会被立即取消CFA执照，CFA一般都不会去违纪犯法，这也对金融投资公司具有吸引力。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1juso","text":"关键字：弊","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3f0vo","text":"（1）考试难度略大；","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"55ri2","text":"（2）持续周期长；","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2en3a","text":"关键字：建议","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"12vlv","text":"如果你学习能力好，自制力强，能够适应一定的压力，CFA对你来说就是非常好的选择。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5iee3","text":"如果说一个CFA还不懂行业分析和公司分析，那么很可能是因为那个持证人出车祸失忆了！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"btg2s","text":"为什么这么讲？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"abmnk","text":"因为三级CFA都是在围绕这“基本面分析”来 讲的，每一级别都有30%的比重是讲资产估价和公司治理的，这是通过CFA考试的核心内容。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"18ltn","text":"如果CFAchartholder在经过数万页关于基本分析的教材的洗礼后竟然仍然连“分析”都不会，那么这个机构根本没有必要再在世界上存在了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6b57t","text":"恰恰相反，CFAInstitute是投资界在全球唯一的权威机构，也是全球投资标准GIPS的唯一设立者，这些字清清楚楚写在他们的教材里。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bvjci","text":"如果这不是真的，他们敢写出来吗？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9bo1k","text":"CFAchartholder不懂行业分析和公司分析，这将是投资界最大的笑话。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"19bqe","text":"什么叫能力？很多人大谈证书无用，是PLUS，要看个人能力。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"94o10","text":"那么我问你个人能力是靠什么练出来的？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7j55j","text":"难道是天生的话？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cqcfi","text":"没有足够的知识和职业道德做保证，你何谈能有什么能力！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c0408","text":"凭良心说，CFA学到二级的知识是你在国内任何大学拿到任何学位都学不到的知识！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8tlh8","text":"为什么这样讲？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"599bc","text":"因为二级以后的知识体系完全美国本土化了，几乎所有的知识都是攀附于美国金融市场上的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c4tuk","text":"而我国的金融市场相对落后。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"b3b0s","text":"最后请明确一点，美国投资界CFA人均工资是17.8万美元，而哈佛MBA的人均工资只有11万美元。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1qojo","text":"这是实实在在的数据。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8qbu6","text":"之所以我国的CFA境况似乎不如美国，那是因为我国的金融市场相对落后，知识与市场脱节（市场落后，而不是知识落伍！），使得CFA们没有用武之地。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"36b8f","text":"并不是CFA教育是一堆垃圾，真正垃圾的是这个陈旧的体制。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4t1ed","text":"你如果认为CFAchartholder还不如国内学校的研究生水平高，那么：","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9ij6u","text":"要么你没参与过（或没参与完）CFA项目，无知者无畏；","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"33qji","text":"要么你就是十足的白痴一位。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bg4js","text":"我的CFA考证之路","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2llqj","text":"下面就简要分享一下我的CFA之旅。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8hcf4","text":"现在回头想想，感觉最难的应该还是一级，也许对于我这个工科男来说，一级需要跨越很多的坎，一个是各种铺天盖地的金融词汇，另一个就是English，还有就是协调工作和学习的状态。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"73ubi","text":"一级是三个级别中花精力最多的，也是最严肃认真复习的，每天会要求自己复习一定的时间，每一遍用多久都列了计划，有时间限制。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6bop5","text":"最后复习过来，前前后后一共用了大概三个半月的时间，从11年八月中开始到11月底，几乎每天都和notes见面，同时，为了提高复习效率，报了一个在线的网络课程，随时都可以打开来看，也省去了上现场班路上来回的时间。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c9m1m","text":"notes+辅导班+最近三年的mock&sample，通过这种方式通过了一级，买回来的教材从来没碰过。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bjncf","text":"一级通过，紧接着就报了二级，正式复习的时间大概是从三月中到五月底。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8deo3","text":"相比较一级，二级的知识点要深入很多，尤其是财务报表，我花的时间比较多，什么养老金、跨国公司报表合并等等，现在想起来还印象深刻，都是考试的重点和难点。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9k8sj","text":"从自己的复习感受来说，二级要比一级感觉轻松很多，一个是通过一级有点信心了，另一个是因为年初工作也不是太忙，每天都有比较充分的时间看书，有的时候上班的时间还能看看视频课程，下班了还能出去娱乐娱乐，工作&学习&生活都处在比较和谐的状态。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4tsak","text":"复习资料包括notes+金程网络课程+最近三年的mock&sample（本微信后台回复“MOCK”免费获取历年MOCK）+教材课后的选择题，教材的内容完全没看，最后考试出来的时候就感觉能过了，事实证明了感觉。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dgr5c","text":"考完二级，本想没打算考三级，因为出于对自己职业生涯的考虑，我有了跳到金融行业的打算，通过各种打听、查资料，大家都说工作经验是最重要的，证书反而是次要的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7sal2","text":"但是想想如果就这样放下，可能以后捡起来再想考就会困难更大，同时也考虑到整个金融行业不景气、工作不好找的因素，最后就决定一鼓作气，把三级也考下来。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"v4df","text":"大概在出了二级成绩没几周就报了三级的考试，但是因为各种事情，真正的复习是从2013年的1月中左右开始的，中间刨去春节长假，大概一共用了四个月的时间复习考试。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fpu89","text":"从CFA的知识体系上来讲，三级的知识层面是最高的，比较看重各个知识点的联系以及应用，要搞清楚股票、债券、衍生物等投资标的之间的关系，优缺点，怎样形成投资组合。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ft76m","text":"在学习过程中，最难的就是需要大量的阅读，一方面，三级的notes确实不好，在讲述知识点的时候，只有结果没有过程，非常不好理解；另一方面，教材看起来又太多，太耗时间，几个小时下来也看不了几页。现在回头来看，三级还是报个辅导班比较好，老师可以帮助你有一个比较好的总结，构建一个比较好的知识体系，在这个基础上，再去到书中挑重点来看，会减少很多阅读量。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"evr08","text":"同时，书后面的题一定要做的，可以一边做一边回头看书里面的内容，一般题里面没有出现的知识点，我估计在考试里面出现的概率不大。最后辅助以教材课后习题、sample&mock，基本上就把三级搞定了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8f0a9","text":"还有关于三级的考试，13年上午好像是有十二道题，量很大，感觉时间非常紧张，所以在考前一定要多加练习，考试的时候写关键词就可以了，这样可以大大节省时间。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8pomp","text":"在平台混了这么久，在这里得到了很多热心人的帮助，但一直也没什么贡献，希望我的经历可以帮到其他CFA的考友们，算是一点点贡献吧！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"66hi0","text":"总的来说，CFA的课程难度其实并不大，只要多花些时间，把知识点理解透了，基本上都能通过，考试不会出太多的偏题难题。就算没过，也不能说明什么，再接再厉，我是觉得，能学到东西就好了！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"al49f","text":"最后，要感谢支持和鼓励我的老婆及各位亲朋，感谢金程的各位老师给我的帮助。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"75psu","text":"回想考CFA的这两年，其实真正收获的不是证书，而是在整个过程中学到的知识，有的人说：","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"efppp","text":"“学习CFA是终身受用的，即使你不用从事金融行业的工作。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fuj49","text":"这话一点没错！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3ck53","text":"大家既然决定了考，又是如此高的报名费，就一定要坚持下去！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9ekv6","text":"考试推荐：\nCFA三级IPS写作框架，在线下载：http://www.51cfa.com/thread-42086-1-1.html\n\n 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