这些证书毋庸置疑含金量颇高。不过，参加考试需要投入的时间和精力也让人望而生畏。

These certificate without a doubt quite high gold content.but,Taking tests needs investment of time and energy also let people terrified.

　　文／本刊记者 詹晨

The/this reporter ZhanChen

　　面对不容乐观的经济形势， 日益激烈的竞争环境，越来越多金融从业人员都不得不想方设法提升自身价值，考证成为很多人的选择。这其中最有代表性的莫过于CFA（Chartered Financial Analyst，注册金融分析师)与ACCA（The Association of Chartered Certified Accountants,特许公认会计师协会)。前者是金融投资机构的敲门砖，后者则是进入外企或跨国公司财务部门的利器。

In the face of the economic situation is not optimistic, Increasingly fierce competition environment,More and more financial employees have to seeking to boost their own value,Textual research become a lot of people choose.This one of the most representative is the CFA(Chartered Financial Analyst,The registered financial analysts)And ACCA(The Association of Chartered Certified Accountants,Franchise recognized of certified public accountants).The former is the financial investment institutions open sesame,The latter is into the foreign invested enterprises or multinational company finance department's edge tool.

　　这些证书毋庸置疑含金量颇高。不过，参加这些考试需要投入的时间和精力也让人望而生畏。 记者认识的很多人在大学就开始考CPA（Certified Public Accountant，注册会计师），一工作就开始考CFA、ACCA等等，不过大部分人都因为种种原因没有坚持到底，大功告成者凤毛麟角。

These certificate without a doubt quite high gold content.but,To participate in these tests needs investment of time and energy also let people terrified. Reporter know a lot of people in the university began to take an examination of CPA(Certified Public Accountant,Certified public accountants),A work began to take an examination of CFA/ACCA etc,But most people because of a variety of reasons not stick it out,Success is rare.

　　要不要一头扎进去考这些证书，委实是个颇让人纠结的问题。

Don't plunge in exam these certificate,Indeed is a quite let a person swirly problem.

　　拥有全球金融第一考之称的CFA考试在国内的知名度已经很高了，它是证券与管理界的一种职业资格认证，由美国投资管理与研究协会授予。自CFA考试进入中国后，每年的报考人数都成倍增长，但考生通过率较低，CFA在全球认证通过率是五分之一，在中国这个比例更低。

With global financial first exam said the CFA exam in the domestic reputation has been high,It is the management of securities and a vocational qualification authentication,By the American investment management and research association awarded.Since the CFA exam in China,Enter oneself for an examination every year the number is doubled,But the examinee passing rate is relatively low,In the global CFA authentication percent of pass is one 5,In China, the ratio is more low.

　　CFA考试内容分为三个不同级别，采用全英文，应试者除应掌握金融知识外，还必须具备良好的英文专业阅读能力。通过CFA高级水平考试者，还需要具备金融投资管理等领域至少四年的工作经验。

CFA exam content is divided into three different levels,Adopts full English,Candidate shall master the financial knowledge,Also must have good command of English professional reading ability.Through the CFA senior level exam person,Also need to have financial investment management and other areas at least four years of working experience.

　　刚刚参加了CFA第二级别考试的沈先生表示：“CFA Level Ⅰ基本没有讲到如何去操作， Level Ⅱ侧重于行业分析、财务报表分析、股票的估值，Level Ⅲ侧重资产配置。如果做分析师或者基金经理的话，CFA是比较有用的。”沈先生在国内某合资基金公司工作，他所在的公司，117名员工中持有CFA资格的有8人。

Just took part in the second level of the CFA exam shen said:"CFA basic Level Ⅰ spoke nothing about how to operate, Level Ⅱ focus on the industry analysis/Financial statements analysis/Stock valuations,Level Ⅲ emphasis on asset allocation.If analysts or fund manager words,CFA is more useful."Shen in a domestic joint venture fund company work,His company,117 employees hold CFA qualification of the eight people.

　　记者查阅公开资料发现，在目前基金行业的700多名基金经理中，拥有CFA资格的人数高达70余人，比例为10%左右。

Reporters refer to the access to information found,In the present fund industry more than 700 fund managers,Has the number of CFA qualification as high as more than 70 people,A ratio of 10%.

　　袁先生在某中资券商从事金融产品研究工作，他从大学期间开始考CFA,2009年已经考完三个Level,但尚未达到CFA 资格认证的工作年限。他表示，考CFA对自身的帮助更多体现在对研究和投资的知识体系架构的建立，而非直接促成加薪或升职。CFA在国外的影响力远远大于国内，外资机构在招聘过程中对CFA的重视度更高。

Mr. Yuan in a Chinese brokers in the financial products research work,He from the university began to take an examination of CFA,2009 years have take an examination of three Level,But have not yet reached the CFA qualification authentication work life.He said,CFA exams to their help more reflected in the research and investment of the establishment of knowledge architecture,Rather than leads directly to a raise or promotion.The influence of the CFA abroad than domestic,Foreign institutions in the recruitment process to the CFA attention degree is higher.

　　据了解，CFA进入中国的时间较短，考这个证的人年龄、资历跨度也很大，有些从事投研工作多年，有的还是在校学生。

It is understood,CFA into China's time is short,Take an examination of this card people age/Qualifications span is very big also,Some engaged in research work for many years,Some or students.

　　据长期从事金融考试培训的贝小姐告诉记者，国内许多金融机构也非常重视CFA资格。贝小姐所在公司的CFA培训业务基本上都是B2B，不少国字号银行和券商都是他们的客户，学员由单位统一组织参加培训，费用也基本由单位承担。

According to long engaged in financial examination training bei young lady told reporters,Many domestic financial institutions also attaches great importance to the CFA qualification.Bei miss the company CFA training business basically are B2B,Many GuoZiHao Banks and brokers are their customers,Students by unit unified organization to participate in training,Cost is basically by unit bear.

　　作为高规格的金融从业资格认证，CFA考试花费不菲。从最初报名到最后完整通过三个级别的考试，光考试费用就要两万多元，而培训费用也都是数以万计的。

As a high standard of financial qualifications authentication,CFA exam costly.From the initial registration to finally complete through the three levels of the exam,Light test cost is twenty thousand yuan,And training cost are also tens of thousands of.

　　ACCA认证同样价格高昂。考试 分为三个阶段，共有12门必考科目和4门选考科目，考生要考取这个证书首先必须通过14门考试科目，完成考试总共的费用至少要一万多元，再加上培训费用，总数也很可观。

The high price of ACCA accreditation also.The exam will be divided into three stages,A total of 12 door study subjects and four door choose exam subjects,The examinee must pass an entrance examination this certificate must first through the 14 examination subjects,To finish the test the cost of a total of at least ten thousand yuan,Plus training cost,Total is also very considerable.

　　ACCA因其课程的全面性、完善性和综合性，被誉为“财会专业的MBA课程”。对于希望就职跨国公司财务部门的人员来说，参加ACCA学习，可以大大提高财会专业英语水平，熟知相关的国际会计准则，并且拥有优秀的财务背景和实务操作能力。

ACCA because of its course comprehensive/Integrity and comprehensive,Is regarded as"Accounting professional MBA program".For hope in multinational company finance department for personnel,To study ACCA,Can greatly improve the level of accounting professional English,Familiar with related international accounting standards,And has good financial background and practical operation ability.

　　已经考完ACCA的岳小姐表示，ACCA其实更适合在管理阶层的人去考。她表示，ACCA的内容很多“都是偏向决策性的”。它主要是告诉你如何做整体的规划分析和决策。因此，那些有着多年工作经验，并且处于管理或者领导阶层的人参考会更有帮助。如果是刚入行的新人，ACCA的很多内容是你在工作初期根本用不上的，因此实用性就非常有限。“也就是证明你的专业知识不错，英语好而已。”管理人员去考这个证就很有帮助，因为他们既了解最基层的工作情况，又有管理全局的需求和经验，ACCA对于他们来说才是真正的“镀金”，对升职、加薪有着很大的帮助。

Have take an examination of ACCA ms yue said,ACCA actually much more suited to the management to take an examination of.She says,The content of the ACCA many"Are deviation of decision-making".It basically is to tell you how to do overall planning analysis and decision.therefore,Those who have many years of work experience,And in management or leadership people reference will be more helpful.If it is just to move into the new,Many of the ACCA content is in your job at the early with the not last,Therefore practicality is very limited."Also is to prove your professional knowledge well,A good knowledge of English just."Management personnel to take an examination of this card to be very helpful,Because they already know the most grass-roots work situation,And a management global demand and experience,ACCA for them is true"gold-plated",For promotion/A raise has the very big help.

　　还在考试的王军也很认同这一观点，“如果回国工作，ACCA的价值还得打折扣。”王军说，ACCA虽是个“高端证书”，但是每个国家的情况不同，在中国，ACCA的实用性还不如CPA。因此，他认为如果不去外企工作，ACCA并不能帮你“镀金”。

Also in the royal army also very much agree with this view,"If you come back to work,The value of the ACCA still have to discount."Wang jun said,Though just a ACCA"High-end certificate",But every country's situation is different,In China,The practicality of the ACCA than CPA.therefore,He thinks that if you don't go to a foreign company work,ACCA and can't help you"gold-plated".

　　贝小姐早在十多年前就考出了ACCA证书，她认为，对于外资企业的财务高管来说，ACCA基本上是“必须的”。不论是应征去外企做高管还是内部晋升，都少不了一张ACCA证书。当然，要坐上财务高管的位置，除了ACCA证书，经验和资历也必不可少。

Miss bei as early as ten years ago the ACCA exam certificate,She thinks,For a foreign enterprise financial executives, however,ACCA is basically"must".Whether to do for foreign executives or internal promotion,All necessary a ACCA certificate.Of course,Want to sit on the position of financial executives,In addition to ACCA certificate,Experience and qualifications are indispensable.

　　一家金融猎头CEO Mark Ma也表示：“当求职者来应聘时，有CFA这类证书固然不错，但是，证书并不能证明你的工作能力，如果求职者有丰富的从业经验，更容易被聘用。”

A financial headhunting CEO Mark Ma also said:"When the job seeker to candidates,A CFA such certificate is good,but,Certificate and can prove your ability to do the job,If the applicant has the rich experience,More likely to be employed."

　　也有资深的金融业内人士表示，如果你已经进入到这个行业，那么与其花海量的时间和精力去考证，不如踏踏实实地积累工作经验和经营人脉关系。大部分时候，人脉关系对职业生涯的发展更为重要。

Also have senior financial the personage inside course of study says,If you have access to the industry,So instead of spend huge amounts of time and energy to textual research,As builders of the accumulation of working experience, and business connections.Most of the time,Connections to the development of the career is more important.