Data driven actuarial science and financial mathematics to support the financial resiliency of Canadians

该项目的目标是开发量化金融和数据分析解决方案，使加拿大家庭能够增强其财务弹性。将最先进的精算和金融模型与我们的企业合作伙伴提供的全面专有数据集相结合，并以机器学习和数据科学的进步为动力，我们将为加拿大人提供见解和解决方案，以帮助促进数据驱动的金融决策。我们的行业合作伙伴致力于将这些见解广泛应用于工作场所或家庭。我们的团队与我们的合作伙伴之一加拿大薪资协会（CPA）所做的现有工作表明，即使在COVID-19大流行之前，约有三分之一的加拿大人在经济上挣扎，这些挣扎的加拿大人并不局限于一种环境、性别甚至收入水平。我们在2020年对这一分析的后续研究显示，自COVID-19大流行开始以来，挣扎的加拿大人数量增加了一倍。这个家庭的经济脆弱性给加拿大人造成了沉重的个人损失，也代表了我们国家在未来危机中的一个失败点。除注册会计师外，我们的合作伙伴还包括精算顾问Morneau Shepell，他的数据可以帮助我们了解加拿大人的退休解决方案；薪资提供商Ceridian的数据将帮助我们了解收入及其时间，而align Capital Partners的数据则为了解加拿大人实际投资储蓄的方式提供了丰富的窗口。我们的每一个合作伙伴都将能够将我们的发现融入到他们的实践、服务和平台中，使成千上万的加拿大人受益。作为一个行业协会，通过CPA，以及我们的研究将处于公共领域的事实，我们将利用我们的发现和影响远远超出我们的直接合作伙伴。

The goal of this project is to develop quantitative finance and data analytics solutions that will enable Canadian households to enhance their financial resilience. Combining state of the art actuarial and financial models with comprehensive proprietary datasets provided by our corporate partners and powered by advances in machine learning and data science, we will provide insights and solutions for Canadians to help facilitate data-driven financial decision making. Our industrial partners are committed to making these insights broadly available at the workplace or in the home. Existing work done by our team with just one of our partners, the Canadian Payroll Association (CPA), reveals that even before the COVID-19 pandemic about one in three Canadians were struggling financially -- and that these struggling Canadians were not limited to one setting, gender, or even income level. Our 2020 follow up to this analysis revealed that the number of Canadians struggling had doubled since the start of the COVID-19 pandemic. This family financial fragility exacts a heavy personal toll on Canadians and represents a failure point for our nation in future crises. In addition to the CPA, our partners encompass actuarial consultant Morneau Shepell, whose data can help us understand Canadians' retirement solutions; payroll provider Ceridian, whose data will help us understand income and its timing, and Aligned Capital Partners, whose data provides a rich window into the way Canadians actually invest their savings. Each of our partners will be able to incorporate our findings into their practices, services and platforms to the benefit of thousands of Canadians. Through the CPA, as an industry association, and the fact that our research will reside in the public domain, we will leverage our findings and impact well beyond our immediate partners.