Bank training experience

Part 1: Bank training experience experience essay

The pre-job training for more than 20 days will come to an end. It is unforgettable for twenty-one days, intense and full, exciting and intriguing. In these days, we have entered the corporate atmosphere of ICBC from the campus and started our own workplace. This training allows us to have a deeper understanding and understanding of our own jobs and the company's superior resources, so that we can adapt to our own jobs more quickly, give full play to our initiative, and do our own work. At the same time, it fully demonstrates the spiritual outlook of young employees, enhances the overall image of ICBC, and plays a greater role in the work.
During the training days, we mainly received pre-employment training in several aspects, including bank service specification concepts, security precautions, personal finance business, international business, bank card, e-banking, and banking operation management business knowledge; A large number of simulated countertop operation training. The content and form are rich and varied, including lectures, practices, and simulation banking operations. It has benefited a lot and laid a good start and foundation for better work in the future.
As a person who has just left the school, there is still a large part of the banking business's blind spots and lacks, and business training is very helpful to improve the quality of my business. Business training mainly includes savings employee business, accounting business and basic skills training.
Savings is very important for the development of banks. Savings business is naturally the first business content of our training. It mainly talks about the rules and regulations of savings, basic business knowledge, job setting and workflow, and also includes some operational skills and processes. Very fine; followed by the lectures of the accounting business, focusing on the fixed, current one-pass business, deposit order business, pre-business preparation and day-to-day rolling account business, unit deposit business, settlement business and e-banking and bank card related business, The lecture is very detailed, the specific operation we also practice a lot in the simulation bank, we should also strengthen the study in the future work, strengthen the business knowledge; also the practice of two major skills, counting and subpoena entry, single Work is very annoying, but it can only be improved after hard work over and over again. The assessment at the end of the training is a good way to improve the quality. In order to achieve good results, we are all passionate and hard-working, laying a solid foundation for future business proficiency.
Business training is the key to our future work, and it is the premise and foundation for doing other work, and this training must be continuously learned and enriched in the future practice in order to keep up with ICBC's business needs.
The content of the training will be better applied and developed in my future work. The purpose of using it is to use it. The purpose of training is to use this purpose. The training has infiltrated all aspects of future work, from theory to practice, and adhering to these things, the training effort is not in vain.
In the training, the teachers also gave us the knowledge of legal security. The meaning of obeying the law is very clear in the performance of financial enterprises, so we accept training on ICBC law. The main lecturer mainly informed you about the financial industry crimes, and talked about some problems that should be paid attention to when entering the workplace, especially the prevention of bank workers' crimes. The legal knowledge lecture is about the concentration of legal knowledge used by the banking industry. Refining, which allows everyone to attach great importance to civil law and economic law and other related laws, in addition to all aspects of credit and risk control legal knowledge to give a case to everyone.
The training in law and discipline is a very important part of my acceptance of ICBC. I also use the vaccination needle to describe the very appropriate and image. Law and discipline training has made me understand the basic precautions for working in financial industry, and it is very meaningful for future work and personal future.
This training is the attention and expectation of our new employees. The provincial branches have invested a lot of manpower and financial resources, hired professionals to give us explanations and etiquette guidance for business knowledge, and invited several local branches to experience. We have benefited from the rich leadership and excellent staff who introduced us to the basics and work experience. In just 20 days, we have gathered together to understand the basic situation of the bank and integrate it into the large group of ICBC. Training for my education will always guide my career.
The short training is coming to an end. We are going to return to work in different regions. During this period, we have cultivated deep feelings and the common experience will be the wealth of our life. More excellent teams will be cultivated on such an excellent platform as ICBC Training School, and we will become even better ICBC staff. A thousand miles begins with a single step. We will work hard in the future work, apply the knowledge we have learned to our work, and be a responsible and confident ICBC newcomer!

Chapter 2:

From xx xx to xx of 20xx, I and my colleagues accepted a three-day comprehensive training on all aspects of commercial banking, including commercial bank credit management, bill business, retail business, and international business. As a newcomer who doesn't know much about banking, I am very grateful to the company for providing this valuable learning opportunity. Therefore, during these three days, I tried my best to absorb the contents of the teachers and actively asked the teachers to better understand and master the relevant knowledge. My feelings and experience of this banking training are summarized as follows:
First, comprehensive study of various businesses of commercial banks
Credit management
As we all know, credit business is the most important asset business of commercial banks, and it is also the main source of income and main risk of commercial banks. Therefore, credit management is an important management task for commercial banks. The main contents include: credit business management organization structure, credit business strategy and policy, credit product credit business process, credit business risk control and credit business analysis. There are not only theories but also examples, not only the framework but also the details, it can be said that More comprehensive and thorough.
2. Bill business
Bills are divided into bills of exchange, promissory notes, and checks. The lecturer started from the definition of various bills, expounded the functions of the first kind of bills, and proposed their similarities and differences. At the same time, the vivid examples were used to describe the application of each kind of bill in actual situations, and the papers were introduced. Products of the current commonly used bill business, such as bank drafts, commercial acceptance bills, and factoring business.
3. Retail business
Retail business refers to the business of commercial banks selling financial goods or services directly to individual residents through various service channels. Their customers are characterized by decentralization, differentiated demand, constant changes, and frequent transactions. The trainer elaborated on the overview of the retail business of the bank, products, channels, management institutions, business strategies and marketing.
4. International business
The most important thing for this training is the international business class. Because I have been assigned to the international settlement project team of Fuzhou Commercial Bank, but I don't understand the business, the demand for business knowledge in this area is very urgent. International business mainly refers to international settlement. International settlement is a discipline that studies the credits and debts of various parties in various countries due to various transactions, including remittance, collection, letter of credit, and letter of guarantee business. The trainer uses a vivid example and a detailed chart to clearly explain each business to us. The international business is very complicated. Every settlement method is clear at least half a day. It is not enough to give a short afternoon lecture. For example, the use of letters of credit is not well understood. However, this class has already set a foundation for me to further understand the business.
Second, through comparative study, I have a deeper understanding of the significance of this training.
Take the study of credit management of commercial banks as an example. Since the customer base targeted by our company is basically a domestic commercial bank, I naturally carried out the credit business management of domestic commercial banks and the credit business management of foreign advanced banks that I know in the process of learning. Contrast, the results found some problems: compared with foreign advanced banks, the credit business management of China's commercial banks is characterized by formality and extensiveness, which is also the growth ratio of non-performing loans of commercial banks, especially state-owned commercial banks in China. One reason for the high. For example, China's commercial banks generally have formal completeness in the organizational structure of credit business. There are credit management departments, credit management departments and credit approval departments, and they assume different responsibilities. It seems that separation and control of loans can be achieved. risk. But the fact is that the frequency and number of non-performing loans are still high. The main reason is that the system norms are not refined, and the responsibilities of each aspect cannot be checked and balanced. The performance appraisal of employees in different functional departments cannot motivate the implementation of their responsibilities. In the credit management organization structure of foreign advanced banks, credit management and approval are merged into one department, namely the credit business department, which covers the functions of market development, credit analysis and credit approval, and realizes the loan through the business department system and the joint commitment of profit indicators. It does not separate, thus performing centralized management of verticalization; and adding an independent operation operation center to strengthen control over operational risks. In particular, the credit business department, the credit control department, and the credit operation and operation department have detailed regulations on departmental functions, job responsibilities, and reporting relationships. They are specific, meticulous, operational, and ensure the balance of power. Specific to each loan, the credit officer first develops and completes the credit investigation; secondly, the credit analyst is responsible for checking the rating, compiling the credit business analysis report for the reviewer's reference; again, the approval is based on the different levels of the license; For credit granting projects, the person responsible for the lending function checks and controls all loan files, relevant legal contracts, verification of terms, and whether the loan exceeds the license, whether the loan customer meets the preconditions for the loan at the time of withdrawal, and whether the loan exceeds the loan. Credits, etc., and are responsible for credit-related operational and administrative monitoring after lending. In contrast, when a commercial bank in China is lending money, the loan officer is usually a marketing person, an analyst, or a lender. One person has multiple jobs and cannot achieve the purpose of specialization and control of operational risks.
There are many similar aspects that can be compared. Compared with foreign advanced banks, China's commercial banks do have gaps in many aspects and need to be further improved and improved. The excellent practice results of foreign advanced banks have pointed out the direction for the reform and development of China's commercial banking business, and this process may soon come.
I think the purpose of this training is not only to let us know the existing business of our bank, but also to enable us to grasp the future development direction of banking business from a strategic perspective. At the time of the arrival, we were able to take the initiative to seize the opportunity to be competent in the market.
Third, a deeper understanding of the application of data warehouse and mining technology in the bank
In this training, I have repeatedly heard the training teachers who teach different businesses talk about the importance of data warehouse technology. It is true that commercial banks have evolved from a product-centric era to a customer-centric era. More and more decisions of commercial banks need to be based on customer information. It can obviously play the role of data warehouse technology by accommodating huge and complicated customer information, orderly arrangement and placement, and meeting various statistical needs for decision support.

Chapter three:

According to the work arrangement of the Personnel Department of the Head Office and the specific arrangements of my branch, I am fortunate to participate in the "People's Bank of China 2019 Intermediate Title Training Course" at the Zhengzhou Training College of the People's Bank of China from July 1st to July 10th this year. . Ten days of intense training really benefited me.
First, I grew my knowledge and improved my knowledge structure. This training mainly arranges ten topics, including specific business knowledge, such as "the status quo and development of anti-money laundering work under the new situation", "the study of the construction of China's social credit system", and also includes the giant aspect. Topics such as “Golden Economic Fluctuation, Monetary Policy and Stability”, “Current Perspectives on International Situations”, and some content closely related to our daily work and life, such as “performance and innovative thinking” and “national public service” Personnel psychological problems and their adjustments, etc., as the lecturers have both the head of the head office and professors and scholars, they explain in a simple and vivid way, helping us to increase our knowledge from all aspects. Some leaders and scholars have unreservedly combined their latest research results, so that they can listen closely to the patience and meticulous explanations of the industry's authorities. I feel that such an opportunity is really rare for our central bankers at the grassroots level. Very valuable. As we all know, the current society is a learning society. The knowledge we face in our own work is faster to update and the task requirements are higher. Under this situation, the training provides us with the knowledge and nutrients to enrich our knowledge. Improving our knowledge structure has prompted us to do our job well in the face of real challenges. Although it is said that there is some water and wages, it is undoubtedly a gift in the snow.
Secondly, it has strengthened peer exchanges and gained useful experience. This training is also interspersed with discussion and work experience exchanges, which creates an opportunity for our students to communicate and understand each other and learn from each other. The 150 trainees who participated in the training came from all over the country. Although we all work at the grassroots central bank, after all, the actual situation varies widely from place to place. Everyone has their own unique opinions and different work in their work. Units will also have their own unique experience. The facts have indeed proved this point. Through group discussions and discussions, I have gained a better understanding of how to do a good job in the future based on my position. By listening to the experience of the conference, I will discuss the construction of rural credit system for some local grassroots central banks. I have a good understanding of the advanced work experience in the treasury business and the implementation of monetary policy. In this sense, it can be said that this training not only built a platform for our grassroots central bankers to learn knowledge, but also opened up a useful channel for us to exchange practical experience and jointly promote the steady progress of the grassroots central bank.
Once again, the identity has been clarified and the direction of work has been grasped. In the course of the leadership of the head office or the discussion between the students, [Lianshan ~ courseware] everyone generally mentioned that in our daily work, the intermediate title is just a "shadow identity" for many people. ". This mainly means that our own awareness of the “intermediate title” is not strong enough. It is difficult to think of ourselves as a middle-level professional title when doing work. How to strengthen the study more effectively and how to carry out the work more efficiently; Units are also less likely to consciously stimulate the potential of mid-level titles in actual work, and better create more favorable conditions for mid-level titles to meet challenges and create superior competition. In fact, in the People's Bank of China system, half of the middle-level professional titles, how their role played, directly affects our overall work. This time, the mid-level professional staff training organized by the Personnel Department of the Head Office and organized by the Zhengzhou Training College can be said to be a time-critical situation and seize the key. This in itself has released a strong signal of “knowing self and making contributions” to our majority of middle-level professional titles. Through ten days of study and exchange, we have further clarified how we can better grasp ourselves and how to better in our future work. To give full play to his role as a middle-level professional title, he has fulfilled his duties and fulfilled his duties in his position.
Of course, this training has also enabled me to get to know the friends of the grassroots central bank from all corners of the country and have gained friendship. I have a chance to appreciate the style of leaders and scholars, not only the style of learning, but also the charm of professional ethics and personality. For example, the head of the head office, like the head of the class, although they are in a certain position, they are very approachable. They will be very patient and sympathetic to the students and answer the questions of the students before and after class, and they are very tempted, especially like the Marlin inspectors. Three hours have been standing to teach the students, trying to explain to the students more about the establishment of the People's Bank of China; and experts and scholars like some institutions, they explain the spirit of learning and research revealed in the spirit of seeking It also greatly infects and inspires us. These aspects, although not specific theoretical knowledge, but as a kind of spiritual wealth, will play a subtle role in our future work for people, to treat people and other aspects.
The unforgettable ten-day training time is fleeting. Here, I sincerely thank the personnel department of the head office for providing valuable opportunities for the grassroots central bank staff to improve their quality. We thank the relevant staff of Zhengzhou Training College for their thoughtful and considerate service and meticulous care. I also hope that the intermediate title training course will be held for a long time, and the better it will be.

Chapter 4:

Credit card marketing can't stay in the traditional habits and practices. It is necessary to organically combine new marketing concepts and service methods to maximize customer quality.
Minsheng Bank Letter Card Center In order to let our new employees understand the company faster and adapt to the work, the company has specially introduced new employee induction training. The emphasis on employee training reflects the company's strategic policy of “emphasizing talents and cultivating talents”. Those who participated in this training had previously worked in credit card business at other banks and had not touched the credit card. Everyone cherished this opportunity and came to the company early to prepare for the training.
The main content of this training is mainly the basic introduction of the company and the introduction of Minsheng Bank's credit card series products. Finally, Shi Min, the credit card center of Minsheng Bank, also specifically talked about the corporate culture and origin, so that we can understand the company in the shortest time. Through the basic operational process, as well as the company's corporate culture, corporate status, strategic planning and system of corporate marketing concepts, we have benefited from this training.
In this training, let us have a deeper understanding and understanding of our own jobs and the company's superior resources, so that we can adapt to our own jobs more quickly, give full play to our initiative, and do our own work. At the same time, make full use of the company's superior resources, the maximum effect for the company to create benefits, the company's rapid development is also our personal development. Through training, we understand what is professionalism, what are the values, and the principles and methods of doing things for others, so as to compare with the previous ones, recognize their own shortcomings, improve in time, carry out future work and individuals. The development is very beneficial.
In terms of professionalism, everyone should have a entrepreneurial heart. First of all, we must make clear that we are not working for the company, not for the boss, we are working for ourselves, we must believe that we can do well, we must have a Very sincere, a pair of hardworking hands, two very busy legs and a very free mood. This is especially true for employees in the credit card center. On the one hand, we must not stick to some traditional sales concepts, be good at breaking through, and have creative ideas. At the same time, we must focus on the overall situation and the team, not too individual. Then, in the future, you should pay attention to the methods in the process of doing things, so that you can work more efficiently, reduce unnecessary overtime, and things will do better.
In terms of profession, the financial industry pays most attention to practice and integrity. We need to have comprehensive knowledge not only in professional skills, but also in the market. Our bank has great advantages in banking and other financial aspects, but the understanding of the market is relatively lacking compared to the banking business of Zhonghe, and the promotion effect of a product brand is often determined by the market. In response, we must not only think about how to effectively use the favorable resources of our letter card center to market, but also need to look at the credit card market in a holistic manner, which requires us to have deeper marketing and market products. Understanding and understanding. Therefore, I suggest that the company's future training can invite some senior marketing or marketing personnel to conduct training and guidance, so that we can better think about the credit card business from a market perspective, so that we can better serve our customers. The service creates better performance for the company, and the knowledge level of the company's employees will be more comprehensive.
In order to better improve the business level and performance, I deeply understand that the company's core culture credit card as a modern financial instrument, its characteristics of convenience, fashion and security are gradually being accepted by more and more people, with the development of China's market economy. The improvement of people's living standards and the continuous improvement of the card environment, the credit card market contains a broad space for development, but as various commercial banks are issuing their own brand credit cards, how can we make our livelihood credit cards stand out in the highly competitive market? The following are some of my experiences in credit card marketing.
Integrity is the cornerstone of maintaining a modern market economy. It is a bridge to communicate with customers. When dealing with customers, we only have a sincere desire, consistent words and deeds, urgency for customers, and what customers think, in order to win the trust of customers, in exchange for customers. A sincerity. In this way, we can better develop our credit card business.
Only by regular communication and communication with customers, understanding the movements of customers, knowing what customers are thinking, can we adjust marketing strategies in time, capture business opportunities, and seize opportunities in the fierce commercial war.
Work starts from the subtleties, and has a full understanding of the customer before making marketing. You need to know what your customers value, what you need, and explore the vast world of cooperation. At the same time, you should carefully observe and see others. Think about what people think, and capture new business opportunities behind things.
From the effect of this training, we can see that the company attaches great importance to our training. Sun has also made a lot of preparations for us, so that we can fully feel the company's attitude and good intentions to employees in short-term training. Let us correct our mentality and work harder in our future work!
The details determine success or failure, and the mentality determines success or failure.

Chapter 5:

In the training, we mainly learned about the corporate culture of ABC, the code of conduct of employees, the basic system norms of bank counter business, and the internal control compliance management. Through a series of courses, I have become more aware of my future work. I will deal with the special items that everyone needs of money every day. It seems that the risks will always exist, and I am more familiar with the business of the bank. In addition, I also understand that in the future work, we must abide by the basic rules and regulations of the bank, strictly follow the rules, and raise awareness of risk prevention. I have not officially been employed, and I feel that my responsibilities are heavy and the pressure is not small. In the current environment, I think that I am not confident enough. I also need to constantly improve my own quality and do a good job of combining theory and practice.
In the future work, we will go all out to strive to be an excellent ABC employee, always pay attention to our behavior, be dedicated, honest and trustworthy, and diligent and diligent.
2. The one-month training work is about to end. In this month, we walked into the corporate atmosphere of the business and started our own social life. In the training department these days, we mainly accepted five aspects of pre-employment training, which benefited a lot and laid a good start and foundation for better work in the future.
3. Keeping pace with the times, strong quality, innovative thinking, grasping the service, Yangchun, March, the wind and the sun, I and my colleagues, with an empty cup of mind and expectation, participated in the front desk staff business training organized by the city line Class study. Although it was only two days, the course was tightly arranged. One and a half days of lectures and half-day discussions were originally thought to be boring business studies. In the detailed explanations of several leaders and teachers, especially from our side. Work, daily life, vivid examples, humorous language, deeply infected me, the original business training can also be so lively, let me have a refreshing, unfinished feeling, especially in the discussion class The positive, enthusiastic, high-spirited speeches of the colleagues and the atmosphere of the wonderful debates of the colleagues not only give people a little passion, but also make people feel deeply.
Below, I will participate in this training to talk about my personal experience.
First, advancing with the times, quality education can improve quality, learning can open wisdom, and learning is the need of a highly competitive society. Although the study is over, the words spoken by the president in the classroom are still echoing in the ear: "Business learning, in a big way, is for the development of the entire CCB, but when we close the door, we are all family members. Learning is for yourself, in the face of fierce competition, the survival of the fittest society, you do not enrich yourself, the next one is to eliminate you." How simple language, how to learn how important it is. On the one hand, only by constantly learning theoretical knowledge can we improve our own quality, and we can have a correct attitude towards the learning of business knowledge in order to have a scientific outlook on life and values. On the other hand, we must also focus on the reality. We must closely focus on the key and difficult problems encountered in our current work, and carry out business knowledge learning in order to make our own quality as soon as possible, so that we can seriously study and solve post work while standing on this post. In order to have a long-term vision, planning and innovative spirit, we can provide good suggestions and measures for the development of this sector. Only by constantly following up the changes in the business, in the actual work, in the face of complex situations, calmly coping, using the business knowledge learned to guide the work and promote the development of the work.
Second, innovative thinking, grasping services, talking about services may be a cliché, the service in the dictionary is to explain the interests of the state, the collective, others or work for a certain cause. From the founding of the country to the present, perhaps people have always understood the superficial phenomenon in the dictionary. I really think that I have always thought that if I have full enthusiasm, it is a thoughtful service, but through the careful explanation of the director, I am Deep understanding that service has a deeper meaning, service has extension and connotation, what we usually understand is only his extension, and the connotation needs us to explore, which requires us to have innovative thinking. Because our extended services, such as smile service, three-way service, quiet environment, etc., can no longer meet the needs of customers, only strengthen the connotation services, such as differentiated services for customer segments, tailor-made for different customers We can improve our wealth management products, make our customers' products in the Bank a variety, implement family-friendly services, help customers improve product revenue, etc., in order to retain customers, and then we can impress customers and re-excavate more customer resources. The capital that contends with him. In fact, as long as we can innovate and think about services and services, we can raise our service standards to a new level.
In this training class, each class of colleagues came to the classroom very early, listened carefully during the lecture, and carefully took notes. From everyone's body, I also felt a kind of vitality and a kind of motivation. I will apply this study to my work, and I will take this study as an opportunity to strengthen my study and do my job with due diligence.