）经过与资深人士的恳谈后，发现phd除了去做老师还真是对其他career没什么帮助
但是只读一个master（finance) ，而且还去不了很好的大学（好大学压根就没有master of finance 或 msf），工作前景不佳
虽然读金融是兴趣，但也要考虑吃饭问题...
不知多读一个master学位会不会好些，要是想读两个master，可以选择哪两个呢（还是要又金融啊）？（觉得自己变成迷信学位的人了）
又或者，还是工作几年来读MBA?(这个真不想选，感觉MBA不应该是工作几年的人该去读的，而是事业有成的人去搞商业关系的）
另：FE真是不错的master degree啊，但是苦了我们这些本身读金融出身的，眼看着是金融还不能读...倒还不如数学系的哪里都吃得开
在美国作大学(特别是商学院)老师(LECTURER / ASSISTANT PROF)年薪很容易超过十万美元。就算是二流大学！
Actually,a librarian can get yearly salary more than $55000. I guess what lz is worring about is not salary but interests and career goal.
Actually,a librarian can get yearly salary more than $55000. I guess what lz is worring about is not salary but interests and career goal.
Exactly, even the platform cleaner in MTA (NEW YORK CITY) can earn around $45000 pre-tax.
I know as a fact that most lecturers do not make that much money. There is a reaon why business schools like to use adjuct faculty/lecturers - they are cheap and can be easily scheduled.
Anyway, for financial engineering... if you really want to do it, just take a few more math classes after graudation to strengthen your transcript.
Finance PhD去industry做前景应该还是不错的吧，记得以前一个牛帖上说过。我想读金融博士是因为觉得确实能学到些真东西，而且对做研究不抵触，但是想去IB做研究，因为对教书没有兴趣，而且钱应该比大学里面多不少吧。
MFE也能学到些真东西，但是学费很贵，而且听说国际学生就业不容易（我就知道今年一个芝加哥毕业的回国了，现在国内一家银行做交易员）。而且几个很好的MFE只要GRE，而我现在只有GMAT。
IB做RESEARCH要CS和数学的PHD....
FINANCE的PHD去IB的很少很少
如果是Asset pricing方向的金融博士呢？如果金融博士在IB的前景还不如数学博士，真是有些奇怪为什么还这么难申请，可能只是因为招的太少了？
如果是Asset pricing方向的金融博士呢？如果金融博士在IB的前景还不如数学博士，真是有些奇怪为什么还这么难申请，可能只是因为招的太少了？
because some of the applicants don't know what is "FINANCE" -- academic wise.
when the denominator gets bigger, the ratio gets smaller
经过与资深人士的恳谈后，发现phd除了去做老师还真是对其他career没什么帮助
但是只读一个master（finance) ，而且还去不了很好的大学（好大学压根就没有master of finance 或 msf），工作前景不佳
虽然读金融是兴趣，但也要考虑吃饭问题...
不知多读一个master学位会不会好些，要是想读两个master，可以选择哪两个呢（还是要又金融啊）？（觉得自己变成迷信学位的人了）
又或者，还是工作几年来读MBA?(这个真不想选，感觉MBA不应该是工作几年的人该去读的，而是事业有成的人去搞商业关系的）
另：FE真是不错的master degree啊，但是苦了我们这些本身读金融出身的，眼看着是金融还不能读...倒还不如数学系的哪里都吃得开
In my person opinion, it is a bit risky to base your choice solely on what you hear from an internet forum like this. It's true that you can get numerous helpful informaiton from these message boards, but it's still better to glean information form various sources. Try to talk to professors in your school, consulting those who are already working in the finance/ banking industries, or try to correspond with other Chinese students studying in MSF, MFE or finance PhD programs in the US.
After getting a more comprehensive grasp of the whole picture, you can make a better and sounder decision regarding your own future. Good luck!
谢谢各位的意见
我作出这个决定就是在和我学校的professor（from U.S. work in the banking business for a lot of years and work in banks such as Bank of America and Citibank, and he also established his own credit union in the U.S.) 所以我认为他的观点还是有一定指导意义的，他告诉我说他所认识的banker 们基本上都是拿着master学位的，即使是他自己也是因为一开始想做老师才考了doctor，他的意见是如果只是在金融行业，象银行业工作的话，PHD是不必要的。
其实PHD的research 是否能指导实践的金融工作，我还是很怀疑，很多理论基于完全不实际的假设，简直就是纸上谈兵嘛
P.S.我确实是对金融，尤其是银行业有兴趣，工资不是主要考虑因素，我这人一般很少乱花钱
谢谢各位的意见
我作出这个决定就是在和我学校的professor（from U.S. work in the banking business for a lot of years and work in banks such as Bank of America and Citibank, and he also established his own credit union in the U.S.) 所以我认为他的观点还是有一定指导意义的，他告诉我说他所认识的banker 们基本上都是拿着master学位的，即使是他自己也是因为一开始想做老师才考了doctor，他的意见是如果只是在金融行业，象银行业工作的话，PHD是不必要的。
其实PHD的research 是否能指导实践的金融工作，我还是很怀疑，很多理论基于完全不实际的假设，简直就是纸上谈兵嘛
P.S.我确实是对金融，尤其是银行业有兴趣，工资不是主要考虑因素，我这人一般很少乱花钱
It's great that you consulted some real expert. I totally agree with your professor. It really doesn't take a PhD to be a good banker.
Also, since your undergraduate major is in Finance already, probably you don't need a master's now-- because you already possess some basic knowledge necessary for most entry-level tasks in financial and banking industry. How about working for several years first, and then applying for graduate schools after you realize what you really need from practical work experience?
Anyways, best of luck with your future.
Generally speaking, micro, rather than marcor, is important for finance phd student.
Generally speaking, micro, rather than marcor, is important for finance phd student.
金融学本身好象是属于微观的范畴吧，请教一下利率曲线以及汇率的决定属于什么经济学范畴。
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