Education and Accreditation in Pensions & Retirement Schemes for Practitioners 退休计划业界从业员的教育及资格认可

Education and Accreditation in Pensions & Retirement Schemes for Practitioners 退休计划业界从业员的教育及资格认可 Jonathan Watkin – Secretariat, HKRSA 韋約翰 - 香港退休计划协会秘书总经理

Agenda议题 • Background 背景 • Why education ? 为何需要教育？ • Accreditation in Retirement Schemes Management 获认可的退休计划管理课程 • Short courses: 短期课程： • Human resources and other practitioners 人力资源及其它业界从业员 • Continuing Professional Development 持续专业进修

Background – HKRSA香港退休计划协会背景 • 7 years in existence 成立 7 年 • Not-for-profit 非牟利机构 • Non-political 非政治组织 • Covers 30% ORSO + MPF 覆盖 30% 职业退休计划 + 强制性公积金计划 • Represents & advances members‘ interest 代表及提升会员利益 • Promotes “Best Practice” and education 推广「最佳守则」及教育

Why Education?为何需要教育？ • Aging population - a worldwide issue 人口老化－一个全世界的课题 • Need for education and professionalism in retirement protection 满足退休保障教育及专业化的需要 • Increasing opportunities and growth in retirement and pension business 退休金行业的发展正在增长 • Example with other countries (ASFA, PMI, etc) 其它地区组织的经验 (如 ASFA, PMI, 等) • Need for professional qualification and accreditation 对专业资格及认可的诉求

Market Analysis市场分析 • Great demand is expected in the retirement planning industry also because of: 退休计划界的需求将会增加，因为： • Demographic change 人口转变 • MPFA and ORSO compliance requirements 因应积金局及职业退休计划条例的规范守则 • HKRSA member survey in February / March 2002 退休计划协会于 02 年 2 月及 3 月的调查 • New products related to retirement planning 退休计划的新产品

Accreditation in Retirement Schemes Management (“RSM”)退休计划管理的认可 • Development link with HKU SPACE (Extension arm of HKUniversity) 与香港大学专业进修学院共同发展 • ASFA connection + WPA + NAPF 联系相关的国际组织；例如澳洲ASFA，WPA及英国 NAPF • Only accreditation program in Hong Kong( and ? in Asia) 唯一于香港认可的课程（及亚洲？） • HKGovernment support: Continuing Education Fund 香港特区政府的支持：持续教育基金

Programme Development课程发展 • MPFA support: CPD approval 积金局的支持－批准作为「持续进修」学分 • Employer support 雇主的支持 • training and development 培训及发展 • cost effective - a number pay staff to attend 成本效益－公司支付学费 • Professional standing - Associate of HKRSA 专业的认可资格－香港退休计划协会的「联系会员」 • Support from other associations 其它组织的支持

Aims & Objectives目标 • Appreciation of issues in retirement counseling from a customer service perspective 从客户服务的角度去探讨与退休咨询有关的课题 • Enable interested parties to master investment decision tools for investment planning 促进对投资理财决策及工具的认知 • Communication skill and customer service techniques as well as marketing skills in order to promote the schemes • 加强传讯客户服务及市务方面的技巧以便推广退休计划

Aims & Objectives目标 • Provide a balanced education in theoretical and practical aspects of retirement schemes management 提供一个理论与实践兼备的退休计划管理课程 • Enhance professional knowledge and standard of practice for industry practitioners 提升业界从业员的专业知识及水平 • Understanding the regulatory framework as related to ORSO and MPF compliance 认识强积金及职业退休计划的监管机构及规范守则

Programme Structure for Professional Diploma in RSM 退休计划管理专业文凭结构 MSc in Financial Management 财务管理硕士 MSc in Finance 财务硕士 Napier University, Edinburgh BA (Hons) in Financial Services 财务学学士 Professional Diploma in Retirement Schemes Management 退休计划管理专业文凭 1. Retirement Systems and Regulatory Framework 退休计划制度及监管架构 2. Investments 投资学 3. Trusteeship 信托的权责 4. Retirement Schemes Administration 退休计划行政 5. Defined Benefit Schemes「指定利益」计划 6. Communication and Customer Service in RSM 传讯及客户服务

Programme Structure for Professional Diploma in RSM 退休计划管理专业文凭结构 • 2 modules per term 每学期 2 个单元 • 11 three-hour teaching sessions / module 每单元需上11节 3 小时的课堂 • Course work and mid-term test 习作及期中试 • 3-hour term-end examination / module 3 小时期终考试 • Complete the Certificate in 2 terms (8 months) 于2 个学期完成证书课程（8 个月） • Complete the Diploma in 3 terms (1 year) for direct entrants 于 3 个学期完成专业文凭课程（1 年）

Programme Structure for Professional Diploma in RSM 退休计划管理专业文凭结构 • Classes conducted on weekday evenings or weekends 课堂于周中晚上或周末举行 • English as medium of instruction supplement with Chinese 英文授课并辅以中文 • Combination of coursework and examination 习作及期试兼备

Staffing教职员 • Programme Team: HKU SPACE staff and HKRSA 课程策划：香港大学专业进修学院职员及退休计划协会 • Part time tutors recruited from experienced industry practitioners such as Bank Consortium Trust, HSBC, Mercer, and Manulife 聘用有经验在职从业员作兼职导师，例如银联信托，汇丰人寿, 美世咨询公司及宏利

Students学员 • Evaluations: vary according to the course, tutor and support / facilities. Overall, positive. Term 1 & 2 2004: 评价: 因应课程，导师及设备而有所分歧，但整体而言是正面。2004 年第 1 及第 2 学期的评分： • highest overall score: 78.1 最高分数：78.1 • lowest overall score: 59.2 最低分数：59.2 • Number of students(About 90): 学员人数 (大約90)： • Profiles: service providers, retirement schemes, MPFA, others 行业：服务提供者，退休计划，积金局，其它

Short Courses: Continuing Professional Development 短期课程：持续专业进修 • MPFA CPD approval 获积金局批准作为「持续进修」学分 • Under consideration for introduction of short courses for intermediaries 考虑推出短期课程予业界从业员 • 2 hour courses to maintain minimum requirements 课程为 2 小时，以符合最低要求 • Eg. legal developments, communication issues, topical matters etc 例如：法律，传讯，时下议题等

Short Courses: Human Resources and Other Practitioners短期课程：人力资源及其它业界从业员 • April 2005 launch 2005 年 4 月举办 • 10 hour introductory / basic course on MPF & ORSO 10小时有关强积金及职业退休金的基本课程 • Credit for Retirement Scheme Managment Programme 学分获「退休计划专业管理文凭课程」承认

Short Courses: Others短期课程：其它 • Eg. Trusteeship / scheme administration 例如：信托的权责 / 计划行政 • When? As demand grows 时间？当需求增长

Education and Accreditation in Mainland China 教育及认可－中国 • Is there a need for a similar “tailored” social security and pensions programme in PRC? 是否需要一个“量身定制”的社会保障及退休金课程？ • Could this take the shape of an accreditation programme, short course or both? 形式是否可以是认可的文凭课程，短期课程或两者兼备？ • If so, what would be the best way forward and what is the best timing? 如是，怎样才是最佳的推行方案及时间去执行

Thank You 谢谢

Education and Accreditation in Pensions & Retirement Schemes for Practitioners 退休计划业界从业员的教育及资格认可