Finance or Accounting？这篇文章治好了我的纠结症

只看楼主

本帖最后由雷哥留学锦鲤小姐姐于 2018-12-29编辑

想必大家都知道留学四大热门专业

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）

商科专业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

有很多小伙伴问锦鲤小姐姐

出国留学，读会计还是读金融好呢？

两者到底有哪些区别？

一、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
AuditingBudget analysisBusiness strategyFinancial accountingFinancial reportingForensic accountingInformation systemsInternational accountingMacro/microeconomicsManagement accountingProfessional standards and ethicsQuantitative analysisRisk managementTax accounting	Advanced derivativesAsset marketsBehavioural financeCorporate financeEconomics/econometricsFinancial mathematicsFinancial managementFinancial marketsFinancial planningFinancial engineeringFinancial accountingFinancial reportingInternational financePrivate equityRisk managementVenture capital

二、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)

三、专业技能和证书

会计	金融
Quantitative skillSpecialized knowledge of varied accounting topics and techniquesAwareness of GAAP (generally accepted accounting principles)Knowledge of accounting regulation issuesStrong understanding of business industry	Understanding of industry practices and principlesStrong theoretical knowledgeResearch skillsCommunication skillsKnowledge of stock market, trade and investmentAnalytical skillsAbility to understand and interpret numerical and statistical dataUp-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)

四、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)ActuaryAuditorBookkeeperBudget analystCredit controllerFinancial consultantFinancial examinerForensic accountantPayroll administratorRisk assessorTax advisorTreasurer	Commercial bankerFinancial consultantFinancial managerFinancial traderHedge fund managerInsurance officerInvestment bankerQuant 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。

五、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