定价精算师的一天

说说定价精算师的生活是怎样的。
早晨九点来到公司，打开电脑，一边吃着早餐，一边浏览昨天晚上收到的邮件。
公司最近要开发重疾类的产品，而我要为这个产品的设计思路提供建议。我决定先做一个市场畅销重疾险的调研报告。通过浏览各大保险公司网站，通过和一些同行好友沟通，通过搜集畅销产品的产品说明书和宣传彩页，关注每一款产品的创新点，最终汇总成一遍内容详尽、重点突出、图文兼备的调研报告。已经为这个报告忙活几天了，今天终于可以收官了，在午饭前终于发送给了领导。
到了12点，和同事一起去楼下新开的香港茶餐厅尝尝鲜，一个大报告今天完工了，吃饭都能多吃一点。12点40上楼，趴在抱枕上先睡一觉，脑力劳动实在是太累了。
1:30，周围的讨论声把我吵醒，又该工作了。翻了翻工作日志，有一个分红终身寿险的定价模型需要我完成，还好产品形态比较简单，估计一天就能搞定。打开EXCEL开始建模，依次把保费的计算、现金价值的计算、法定准备金的计算、法定利润的计算、会计准备金和会计利率的计算、偿二代准备金和资本要求的计算都编写好。突然想到保监会刚刚下发了分红险的新监管规定，把新规定打印出来，将模型中不符合监管要求的算法都改掉。终于一个下午的时间，所有逻辑都建好了，就剩精算假设的输入了。打开评估团队提供了精算假设建议，将经验死亡率、退保率、投资收益率等假设输入模型，看了一下各种利润结果，和我预想的差不多，说明模型建的没有太大的问题。看了一下表，5:30了，该回家了，先把模型储存起来，明天再复核一遍交给领导。
回到家，吃完晚饭，躺在床上休息一会，刷刷微博，看看朋友圈，有兴致了看一集动漫或者电视剧，实在太累了就小憩一下。
晚上八点，从床上爬起来，拿出SOA高级课程的复习材料，不考试就没有加薪，这就是天天坚持复习的动力源泉。最近复习的是变额年金的定价，左手抱着教科书，右手抱着复习指南，看重各种理解不能的随机过程公式，觉得自己的人生境界都得到了升华了呢，我仿佛在公式中看到了宇宙的运行规律。。。各种痛苦之后，11点钟，太晚了，明天还要和法务部的同事针对新产品的条款展开一场撕逼大战，得养精蓄锐，于是洗漱睡觉。。。
这就是定价精算师的一天。

定价精算师加班不

王冷淼 发表于 2020-1-15 21:59
定价精算师加班不

看人力配置，遇到人力少但大规模整改的情况，妥妥天天加班

你不是fellow了嘛，还考试呢，小八卦一下

卖保险的精算狗 发表于 2020-1-16 11:34
你不是fellow了嘛，还考试呢，小八卦一下

这是几年前写的帖子

感觉很棒呢~嘿嘿2023年8月29日20:46:17

https://savgroup.ru/

https://savgroup.ru/

https://www.signwon.com/bbs/board.php?bo_table=603a&wr_id=289303
https://www.diigo.com/item/note/bqf5h/hdus?k=fc641b80b2540bc5fc05bcecfdfa9c7a
https://thesiamfish.com/public/index.php/forum/show/1524
https://safechat.com/post/3476424777633858558
http://poster.4teachers.org/worksheet/view.php?id=196582
https://www.whizolosophy.com/category/politics-governance/article-column/bamboo-tabletops-in-hospitality-durable-stylish-cost-effective
https://blogs.bangboxonline.com/posts/bamboo-closet-systems-a-trend-worth-adopting-for-space-optimization
https://www.srujanee.in/view/why-bamboo-countertops-are-becoming-a-top-choice-for-eco-mind-WM9kvxx7
https://mypaper.pchome.com.tw/bothbest/post/1383575555
https://getfoureyes.com/s/eQbXc/
https://kingschat.online/post/bTRpUm5
https://bicyclebuysell.com/ads-details/MjY0NjUzNzg2/bamboo-pet-products-the-new-trend-pet-dealers-love
https://yopusjwq.forms.app/bamboo-closet-systems-trend-worth-adopting-space-optimization
https://moskos.korean.net/bbs/board.php?bo_table=02_video&wr_id=155686
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http://alphaenc.kr/bbs/board.php?bo_table=alpha_qna&wr_id=86052
https://www.keepitfit.rs/forum/viewtopic.php?f=10&t=23821
https://www.youyooz.com/yooz/natural-vs-carbonized-vs-tiger-choosing-the-best-color-for-your-bamboo-flooring/
https://bothbest.weebly.com/blog/bamboo-edge-banding-a-small-detail-that-makes-a-big-difference
https://2all.co.il/web/Sites20/bothbest/Article1.asp?ArticleRowID=21596
https://chinasolar.blog.shinobi.jp/solar/is-bamboo-plywood-really
https://bambooflooring.game-ss.com/bamboo/what-makes-bamboo-drawer-o
https://bambooflooring.blog.shinobi.jp/bamboo/popular-in-minimalist-homes
https://bothbest.blog.shinobi.jp/bamboo/bamboo-deck-tiles
https://hssolar.blog.shinobi.jp/bamboo/easy-diy-repairs-for-bamboo
https://bamboochopsticks.storeinfo.jp/posts/58702187
https://plaza.rakuten.co.jp/hssolar/diary/202604010000/
https://plaza.rakuten.co.jp/bothbest/diary/202604010000/
https://bamboodecking.themedia.jp/posts/58702243
https://chinabamboo.therestaurant.jp/posts/58702291
https://bambooflooring.shopinfo.jp/posts/58702306
https://bambooflooring.theblog.me/posts/58702365
https://japanbamboo.storeinfo.jp/posts/58702881
https://bambooplywood.localinfo.jp/posts/58702973
https://bothbest.amebaownd.com/posts/58703031
https://hssolar.bigcartel.com
https://hssolar.bigcartel.com/product/why-click-lock-strand-bamboo-flooring-is-the-easiest-diy-upgrade
https://scrapbox.io/bothbest/The_Demand_Surge_for_Bifacial_Solar_Modules_in_Commercial_Sites
https://scrapbox.io/bothbest/The_Best_Selling_Types_of_Solar_Modules_in_2026_and_Why_They_Lead
https://scrapbox.io/bothbest/How_Eco_Friendly_Is_Bamboo_Decking_Compared_to_Merbau_Wood
https://hssolar.tawk.help/article/common-import-issues-for-solar-panels-and-how-to-avoid-them
https://karyakarsa.com/chinabamboo/the-demand-surge-for-bifacial-solar-modules-in-commercial-sites
https://www.foriio.com/works/2299475
https://scrapbox.io/hssolar/Home_Battery_Safety_What_Consumers_Should_Look_For
https://scrapbox.io/china-solar-panels-suppl/Why_Solar_Kits_Are_a_Top_Seller_for_Remote_Locations
https://4irdeveloper.com/index.php/forums/view_forumtopic_details/51995
https://www.srujanee.in/view/the-market-shift-toward-bamboo-office-furniture-lyoa51MJ
https://bothbest.studio.site/
https://bothbest.studio.site/Easy-DIY-Repairs-for-Click-Lock-Bamboo-Flooring
https://bothbest.studio.site/How-Durable-is-Strand-Woven-Bamboo-Flooring
https://cal.com/chinabamboo/how-durable-is-strand-woven-bamboo-flooring
https://cal.com/chinabamboo/why-bamboo-flooring-performs-well-in-high-traffic-areas
https://home.gamer.com.tw/artwork.php?sn=6312932
https://te.legra.ph/Why-Contractors-Prefer-Bamboo-Panels-for-Commercial-Builds-04-02
https://bothbest.mypixieset.com/blog/why-contractors-prefer-bamboo-panels-for-commercial-builds/
https://www.guildquality.com/crew/post/74815
https://www.guildquality.com/crew/post/74816
https://bothbest.simplecast.com/
https://beta.cent.co/bothbest/+jz5j2
https://www.tipga.com/e/69cf063f3286fe2785ed9ff5
http://opensource.platon.org/forum/projects/viewtopic.php?p=12859141

НхАдн ·±нУЪ 2020-1-15 21:59
ЁЫЛгКУ°а

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bothbest ·±нУЪ 2025-11-14 09:31
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