我今年过了cfa3级，但并不想持证！ (豆瓣 CFA LEVEL1(特许金融分析师)小组)

{"blocks":[{"key":"1l2h","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1qjej","text":"文章来自金程教育","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"46rkj","text":"考过三级忧愁生，不要证书行不行？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dh0v3","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"f0i6k","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":0}],"data":{}},{"key":"a32b1","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"83bl9","text":"每年上供两千元，福利寥如早晨星。\n今天有金程学员问了治愈君一个问题：","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ccrt8","text":"考过了CFA三级，但是不想持证，可以吗？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fpgh7","text":"治愈君很奇怪，不知道有多少人为了这个证书而考试，","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cejcb","text":"却有人明明可以申请证书，却不愿意申请。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bo63q","text":"之后治愈君又向其他金程学员了解一下情况，","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"b02tf","text":"事实却是如此，的确有不少考生想要考过CFA三级，却又不愿意持证。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3bg56","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9vv0s","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":1}],"data":{}},{"key":"au1d4","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4pgir","text":"1、不交会费会怎样？","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"atocj","text":"考过CFA三级的考生，只要有四年工作经验，就可以申请CFA证书。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8q5fm","text":"但是，申请了CFA证书之后，需要每年缴纳一定的会费。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"d2866","text":"如果不交会费，CFA证会被收回吗？这是很多都非常关心的问题。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4g8l9","text":"治愈君在CFA协会官网上找到了一些信息。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3ul5j","text":"如果成为CFA持证人后，不缴纳会费的话，证书是不会被收回的；","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"aoo09","text":"不过你的CFA持证人的资格，在CFA协会官网查询的时候会员状态将会更改为Lapse（失效）！","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"93bn8","text":"也就是说，如果你不交会费，你的证书会失效。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"86kmk","text":"当然，也就是证书失效而已，你的CFA成绩还是有效的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"e2hks","text":"也就是说，你只需要在简历上写明，考过CFA三级，但没有持证，问题也就解决了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3pi76","text":"在CFA协会官网查询你的成绩的时候，你的成绩还是通过的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"eenlh","text":"一张证书而已，有没有也都无所谓了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2u7c1","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9fqvm","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":2}],"data":{}},{"key":"ebtv2","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"827f4","text":"2、不菲的CFA会费","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cscm7","text":"为什么有不少考生，虽然考过了CFA三级，却不愿意持证呢？其实也就是钱的问题。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"agq61","text":"要知道，这个会费也是不菲的，一年要275美元，也就是大约人民币2000元。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dkktp","text":"治愈君曾经文章《1700000000元的CFA报考费，都花哪了?》详细介绍了CFA协会的收入来源。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"somt","text":"截止到今年，而全球有CFA证书的考生人数大约为16.7万人次。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"99g0t","text":"如果每人每年上缴275美元，那就是每年大约4600万美元，大约高达3亿元人民币。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9ejc8","text":"中国至少有一半的上市公司，每年的盈利都没有超过1亿元。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"77a7p","text":"CFA协会要是在A股上市，绝对是盈利稳定、增长预期良好的白马股。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c9ru6","text":"这么多的会费，很多人不愿意交还是可以理解的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1p4p5","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1da4q","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":3}],"data":{}},{"key":"4huhj","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cdiuv","text":"3、无缘CFA协会福利\n其实，治愈君以前也分析了CFA协会每年高达17亿元的报考费和会员费都花在哪了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8ch52","text":"主要是两个方向。一是CFA协会的运作，包括考试专项基金、工作人员工作、学术研究费用等等；","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"b1crb","text":"二是会员的福利，包括考生奖学金、继续教育、CFA学术活动等等。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2e87g","text":"考生想要申请奖学金也很坑，因为审核时间非常长，会让考生错过第一阶段的报名。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1q0bl","text":"如果申请成功了还好，万一没有成功，考生只能在第二阶段报名，费用要增加300美元。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4ol40","text":"而CFA协会只肯报销200美元，也就是说，如果不成功，最后偷鸡不成蚀把米，还要多花100美元。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c829u","text":"而CFA协会的学术活动却很多，也很有影响力，但这些活动，大部分都是在美国举办的，中国人想参加也不容易。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"91cfk","text":"虽然也有在中国举办的活动，比如2018年举办的第七届CFA Institute中国投资峰会。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cvd8d","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a3l0a","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":4}],"data":{}},{"key":"237a0","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8s4ac","text":"但费用最多也就680元人民币，虽然CFA持证人免费，但相对于2000元人民币的会员费，还是有点吃亏的。\n4、如果你想要更好人脉","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dp7u0","text":"其实，很多考过CFA三级，成功申请到CFA证书的人，一般在金融公司也都做到了一定的层级。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3sf8i","text":"这个时候，想要提升，最需要的就是人脉。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4okug","text":"而CFA协会就能提供很多优质的人脉，当然能否把握住，那就需要看各自的本事了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fktbd","text":"成为CFA持证人之后的薪资，真的不用去担心这一点点的CFA会费，会费只是你薪资的很小一部分。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bpuh1","text":"CFA协会每年都会开展很多针对CFA会员的活动。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5ina2","text":"在大多情况下，对于CFA会员，协会的活动会采取免费准入或象征性收取少量费用。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"m1dc","text":"这对于CFA会员来说，也是难得的学习交流机会。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6o3u4","text":"这对于增加人脉，拓宽视野都有很多的帮助，尤其是在后期的工作过程中会感到收益匪浅。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7632k","text":"单单是这一点，你完全不用心疼你缴纳的200多美刀，最重要的是你的人脉与能力能够得到提高。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1ubms","text":"总的来说，就看你如何利用CFA协会提供的各种活动了，\n利用得好，物超所值；利用不好，那就是替别人做嫁衣了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c7io7","text":"正所谓：","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8a56j","text":"每年两千有点贵，不交也是无所谓。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"erinv","text":"各取所需全由你，充分利用这协会。\n","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{"0":{"type":"IMAGE","mutability":"IMMUTABLE","data":{"src":"https://img1.doubanio.com/view/group_topic/l/public/p203508279.jpg","width":500,"thumb":"https://img1.doubanio.com/view/group_topic/small/public/p203508279.jpg","file_size":6778,"url":"https://img1.doubanio.com/view/group_topic/l/public/p203508279.jpg","file_name":"640?wx_fmt=png","is_animated":false,"id":"203508279","height":349,"entityKey":"6"}},"1":{"type":"IMAGE","mutability":"IMMUTABLE","data":{"src":"https://img3.doubanio.com/view/group_topic/l/public/p203508281.jpg","width":500,"thumb":"https://img3.doubanio.com/view/group_topic/small/public/p203508281.jpg","file_size":168380,"url":"https://img3.doubanio.com/view/group_topic/l/public/p203508281.jpg","file_name":"640","is_animated":false,"id":"203508281","height":333,"entityKey":"7"}},"2":{"type":"IMAGE","mutability":"IMMUTABLE","data":{"src":"https://img3.doubanio.com/view/group_topic/l/public/p203508282.jpg","width":500,"thumb":"https://img3.doubanio.com/view/group_topic/small/public/p203508282.jpg","file_size":63531,"url":"https://img3.doubanio.com/view/group_topic/l/public/p203508282.jpg","file_name":"640?wx_fmt=jpeg","is_animated":false,"id":"203508282","height":333,"entityKey":"8"}},"3":{"type":"IMAGE","mutability":"IMMUTABLE","data":{"src":"https://img3.doubanio.com/view/group_topic/l/public/p203508283.jpg","width":500,"thumb":"https://img3.doubanio.com/view/group_topic/small/public/p203508283.jpg","file_size":35832,"url":"https://img3.doubanio.com/view/group_topic/l/public/p203508283.jpg","file_name":"640","is_animated":false,"id":"203508283","height":375,"entityKey":"9"}},"4":{"type":"IMAGE","mutability":"IMMUTABLE","data":{"src":"https://img3.doubanio.com/view/group_topic/l/public/p203508284.jpg","width":500,"thumb":"https://img3.doubanio.com/view/group_topic/small/public/p203508284.jpg","file_size":70401,"url":"https://img3.doubanio.com/view/group_topic/l/public/p203508284.jpg","file_name":"640","is_animated":false,"id":"203508284","height":333,"entityKey":"10"}}}}