不知道大家有没有听说过F4?
NO~NO~NO~
此F4是指留学四大热门专业金融、会计、管理和经济
Finance, Accounting, Management and Economics
简称FAME
当然,也可以大致概括为——商科
(虽然一般经济学专业并不是开设在商学院下的)
历来都是出国留学的热门专业
其中,又属会计和金融最为受欢迎
出国留学,读会计还是读金融呢?
1
课程结构
其实,会计与金融的主要区别在于,会计的关注点相对狭窄,而金融则是范围广泛的,涵盖了商业、经济和银行业等领域的一系列专业化的知识。金融专业的学生可能会更加注重金融策略和管控,而会计专业的学生则更加关注专业的原则和过程。
会计 | 金融 |
Auditing Budget analysis Business strategy Financial accounting Financial reporting Forensic accounting Information systems International accounting Macro/microeconomics Management accounting Professional standards and ethics Quantitative analysis Risk management Tax accounting | Advanced derivatives Asset markets Behavioural finance Corporate finance Economics/econometrics Financial mathematics Financial management Financial markets Financial planning Financial engineering Financial accounting Financial reporting International finance Private equity Risk management Venture capital |
2
获得学位
金融项目主要是为培养金融专业的人才,其专业方向包括金融分析,投资管理以及公司财务等等;会计硕士是除金融硕士之外的又一个热门专业。许多学校的课程都是结合了CPA考试。
会计 | 金融 |
Undergraduate level: | Undergraduate level: |
Bachelor of Accountancy (BAcc, BAcy or BAccty); Bachelor of Arts in Accounting (BA/ACC); Bachelor of Science in Accounting (BSc/ACC) | Bachelor of Arts in Finance (BA/F); Bachelor of Science in Finance (BSc/F) |
Graduate level: | Graduate level: |
Master of Accounting (MAcc or Mac); Master of Professional Accounting (MPA, MPAc, MPAcc or MPAcy); Master of Science in Accounting (MSA) | Master of Science in Finance (MSF); Master of Finance (M.Fin); Master of Financial Economics (MFE); Master of Applied Finance (MAF) |
3
专业技能和证书
会计 | 金融 |
Quantitative skill Specialized knowledge of varied accounting topics and techniques Awareness of GAAP (generally accepted accounting principles) Knowledge of accounting regulation issues Strong understanding of business industry | Understanding of industry practices and principles Strong theoretical knowledge Research skills Communication skills Knowledge of stock market, trade and investment Analytical skills Ability to understand and interpret numerical and statistical data Up-to-date knowledge of correct business practices |
CPA (Certified Public Accountant - US) ACA/CA (Chartered Accountant – UK and Commonwealth) ACCA (Chartered Certified Accountant – UK) | CFA (Chartered Financial Analyst); CTP (Certified Treasury Professional); CPRM (Certified Professional Risk Manager); CF(Corporate Finance Qualification); CVA (Certified Valuation Analyst); CQF (Certificate in Quantitative Finance) |
4
职业潜力和就业方向
会计和金融工作都离不开企业的财务报表,会计会解释最后大表的每个条目隐藏的信息是什么,而金融则是根据这些信息制定产品,评估公司的盈利能力和风险。
会计 | 金融 |
Accountant (trainee, public, professional and certified) Actuary Auditor Bookkeeper Budget analyst Credit controller Financial consultant Financial examiner Forensic accountant Payroll administrator Risk assessor Tax advisor Treasurer | Commercial banker Financial consultant Financial manager Financial trader Hedge fund manager Insurance officer Investment banker Quant specialist |
会计和金融专业毕业生非常抢手,雇主的需求几乎没有放缓的迹象。在美国,美国劳动统计局预测,在截至2026年的10年里,会计师和审计师的就业机会将增长10%,而金融分析师的就业机会预计将在这段时间内增长11个百分点。
5
就业薪资
NACE(全美大学和雇主协会)在一份对美国毕业生收入最高的商科专业的分析报告中指出,美国会计专业毕业生的起薪平均为54,838美元,而金融专业的毕业生的工资则略高于55,609美元。
会计 | 金融 |
Average starting salary in the US for undergraduate accounting graduates (2017 figures): US$54,838 Average postgraduate starting salary in the US: $67,369 129th in PayScale’s ranking of Majors by Salary Potential | Average starting salary in the US for finance majors (2017 figures): $55,609 Average postgraduate starting salary in the US: $70,957 25th in PayScale’s ranking of Majors by Salary Potential |
在研究生阶段,这一差距扩大了;与会计研究生相比,金融研究生的平均年薪是70,957美元,平均起薪为67,369美元。
6
Accounting&Finance专业排名
(2018QS学科排名-Accounting&Finance-top 25)
7
申请要求
对比金融和会计这两个专业,其实对申请者的本科背景都有一定的要求,但是相对来讲,会计的要求更严格,尤其是在Top 50院校的会计项目中,绝大部分都会要求申请者是会计、金融、或其他商科背景,至少要修过几门基础的会计课程,比如财务会计、管理会计、宏微观经济学。
从各个院校的录取数据可以看出,每年录取的学生专业背景,理工科背景的占比不会超过10%,有的甚至连5%都不到。
一般申请条件:
金融:GPA:3.2+;IBT: 90+; GMAT: 680+,学校活动,实习,与专业相关的学术论文及研究经历等。
会计:GPA3.0+; IBT:90+;GMAT 650+。一般录取时要求学生有相关的会计方面的先修课程,名校要求会更高。
8
录取案例
最后,建议大家早早规划,早做准备。除了G/T成绩和GPA,大学本科期间多去参加一些相关的课外活动和商业竞赛等,利用寒暑假寻找含金量高的专业实习等,可以给自己增加竞争力!
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