Bank new staff experience

Part 1: The new employee of the bank feels the essay

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 carried out new employee induction training. The emphasis on employee training reflects the company’s strategic approach of “taking talents and nurturing talents”. Those who joined this training had previously worked in credit card business at other banks and had not touched the credit card. Everyone took good care of this opportunity and came to the company early to prepare for the training.
The important content of this training is mainly the introduction of the company's basic situation and the introduction of Minsheng Bank's credit card series products. Finally, Minsheng Bank's letter card, Central Stone, also talked about corporate civilization and development, so that we can understand the company in the shortest time. Through the basic business process, as well as the company's corporate culture, corporate status, strategic planning and system of professional marketing knowledge of the company's marketing philosophy, through this training, we benefited from a deep understanding.
In this training, let us have a deeper awareness and understanding of our own jobs and the company's superior resources, so that we can adapt to our own jobs more quickly, fully display our own automation, and do our own duties. At the same time of work, the company's advantageous resources are fully applied. The biggest consequence is the company's invention benefits. The company's rapid development is also our personal development. Through training, we learned what is professionalism, what values, and a lot of guidelines and methods for doing things, so that we can compare ourselves with our previous self, recognize our own shortcomings, improve in time, and develop future work. Personal development is very beneficial.
In terms of professionalism, everyone should have an entrepreneurial heart. First of all, we must understand that we are not working for the company, not for the boss, we are working for ourselves, we must trust ourselves to do well, we must have one Very sincere, a pair of very hard hands, two very busy legs and a very comfortable state of mind. As the core of the credit card, the employees are even more so. On the one hand, we must stick to some traditional sales concepts, be good at breaking through and creative ideas, and at the same time, we must focus on the overall situation and the team, not too individual. Then it is the way to pay attention to the current process of doing things, so that the work can be more effective, reduce unnecessary overtime, and the incident will do better.
In terms of profession, the financial industry pays the most attention to reality and integrity. We need to have comprehensive knowledge not only in professional skills, but also in the market to have a correct grasp and analysis. Our bank has great advantages in the banking industry and the rest of the financial sector. However, the understanding of the market is still relatively lacking in the relatively neutral banking business, and the promotion effect of a product brand is often determined in the market. The reflection, we must not only think about how to effectively use the favorable resources of the central bank of our letter card to market, but also need to treat the credit card market with a holistic vision, which requires us to have a deep understanding of product marketing and market. Understanding and understanding. Therefore, I suggest whether the company's future training can invite some senior marketing or marketing people to conduct training and leadership, so that we can better think about the credit card business with the market's eyesight, so as to better serve customers. The service creates a better story for the company, and the knowledge level of the company's employees will be more comprehensive.
In order to better promote the business level and performance, I deeply understand the company's central culture.
As an ancient financial instrument, credit card is gradually being accepted by more and more people. It is followed by the development of China's market economy, the progress of the national career, the improvement of the card environment, and the credit card market. With a vast space for development, but as various trade banks are issuing their own brand of credit cards, how to make our livelihood credit cards in the fiercely competitive market, the following are some of my experience in credit card marketing.
Integrity is the cornerstone of maintaining the modern market economy. It is a bridge to communicate with customers. When dealing with customers, we only have a sincere desire, different words and deeds, urgency for customers, and what customers think, in order to win a trust from customers. A sincere heart of the customer. In this way, we are able to better develop our credit card business.

Chapter 2:

With the changes of the times and the economic growth of the bandits, the financial industry has begun to play an increasingly important role in the economic field, especially the bank known as "financial blood" has become the "mainstay."
Through these days of study, I not only learned more professional financial knowledge and service etiquette, but also made me deeply aware of the rigor of bank work, which is the details of every product and every service. .
We simply use personal financial wealth management products as an example. Although we can divide financial products into six categories, namely, savings, financing, investment, Jinsui card, settlement and service products, we can see from the function. Although it is a six-category product, it covers all the functions of financial savings, settlement, investment and financing required by all natural and legal entities. And this is just from the big category, and then subdivided into each major category of products is divided into a number of specific small business. Each business has its own characteristics. For example, in personal savings products, in order to provide customers with affordable benefits, the products are specifically defined as current, regular, fixed, and stored, and personal notice deposits. The period and interest income have greatly satisfied the needs and choices of customers. In addition, the “Shuanglifeng” notice deposits unique to ABC have added to the advantages of ordinary notice deposits, and the speed and convenience of business processing are even better. In particular, we have set up diamond card Platinum Card for our customers to try our best to reduce unnecessary expenses for our customers. It can be said that ABC's care for customers is meticulous. We are paying more attention to the excellence of business quality and the details in the purpose of serving our customers wholeheartedly.
The products of ABC are consolidating the convenience and quality of each employee.
When the customer touches the product, the first contact is the front desk staff. The front desk staff is the bridge between the customer and the product. It is the main door for the customer to understand the whole mind of the ABC staff. It is the primary way to establish a trust in the ABC, so the service of the front desk staff is not only the service. To reflect the rigorous attitude of the farmers, we must also reflect the advantages of each business, but also let customers build trust in ABC through the thoughtful service of each front desk staff. This is also the basis of each job, at the same time the front desk staff should also strive to learn professional knowledge, and strive to provide customers with more detailed and high-quality services.
Therefore, personal wealth management products and teller services complement each other and premise each other. Products must be innovative and high quality, and services should be more meticulous and polite, so that customers can truly feel the enthusiasm and will of all employees of ABC. Finally, I sincerely hope that each of us can cherish the current job and study professional knowledge, and become a bridge to build trust and care between customers and banks!

Chapter three:

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 4:

First, the legal training of the rule of law and the Commission for Discipline Inspection is very clear in the performance of financial enterprises, so we first accept the training on the law and discipline of the firm. Among them are lectures by relevant leaders of the Human Resources Department, the Secretary of the Disciplinary Committee on the lectures of the Financial Disciplinary Committee and a lecture on legal knowledge.
The leaders of the Human Resources Department mainly introduced the salary system, welfare treatment, rewards and punishments, etc. of the Bank, and clarified the questions about the salary and other aspects. The Secretary of the Disciplinary Committee mainly informed you about the financial industry crimes and told me that I just entered the workplace. Some issues that should be noted, especially the prevention of crimes committed by bank staff; the legal knowledge lecture is about the enrichment and refinement of the legal knowledge used by the banking industry, which gives everyone great attention to relevant laws such as civil law and economic law. All legal knowledge in credit and risk control will be introduced to you in a case study.
The training in law and discipline is the first thing I have accepted into the business. I also use the vaccination 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.
Second, business training As I just walked out of the school, there is still a large part of the banking business blind and lack, and business training is very helpful to improve my business quality. 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 work flow, etc. It also includes some operational skills and processes. It is very complicated; secondly, it is the lecture of accounting business, focusing on the accounting of savings deposit business, payment settlement business, loan discount business, cash cashier business, bank clearing business and owner's equity, which is more general and specific. The operation seems to strengthen learning in the future work; the last is about the practice of three major skills, counting money, Chinese character entry and subpoena entry, a single job is very easy to annoy, but can only be improved after hard work over and over again.
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 the business needs of the business.
Third, the concept of training concept training is mainly aimed at our own future career development training, basically to build a successful concept. This includes three parts of the lectures on career design, success, and service etiquette, mainly through video recording.
There are many contents in the career design, including the ideals of self and the ideal planning, how to plan and the planning of the company's development of employees; the successful lectures with certain methods for the difficulties we encountered, how to deal with the predicament, and get rid of the difficulties The focus is on the idea of ​​establishing a successful method, the way to eliminate the savage work, etc.; the service etiquette is twice, once the service etiquette of the financial industry, mainly explaining the service etiquette operation and precautions of the bank personnel, the second time is With regard to business etiquette, the teacher is humorous and shows us the rules of business etiquette in many cases.
The concept of success is divided into three aspects: design, method and operation. It is necessary for the gradual establishment of the concept of workplace success and personal development. Design is the first thing we have to do. The methods and opportunities should be understood and grasped in the future work and study. The operation is the size that we must ask ourselves to act. This kind of concept is the real success concept.
Fourth, expansion training should say that outreach training is a bonus to our training, but it is important to us. Outreach training consists of two aspects, one is to expand the training itself, and the other is to practice the tour.
The expansion training was held off-site. After a day and a half, through various training programs, we summarized a lot of useful things. Everyone challenged themselves, united and successfully completed various tasks. The practical visit was to visit the Lingyun branch. The work of Shanghai Road Branch and Urban Construction Sub-branch, to see how others work and develop, in order to apply to their own future work.
The actual development of training is a perfection and development for us. The practice visit also enhances our perceptual knowledge. This is a practical training link, a combination of theory and practice.
V. Prospects Training Prospects Training is not only about the planning of personal career prospects, but also the development prospects of the banking industry and the recognition of the development prospects of Jinzhou Commercial Bank. The protagonist of the lecture is the president of the head office, which describes a blueprint for development.
The lecture is divided into three parts. First, the development of the current banking industry, mainly through the analysis of state-owned banks, joint-stock commercial banks, policy banks, and foreign banks, so that we have a deeper understanding of the development of the former banking industry; It talks about the current difficulties faced by commercial banks, and analyzes them from the aspects of capital, development and competition with domestic and foreign banks. Finally, the exhibition always talks about how to develop commercial banks, and proposes the development of listing and cross-regional development. Some strategic goals.
Although the analysis of the president is very large, it is inseparable from the future of each of us. The development of the firm is the premise of our development. If the firm has good development and great development, then our development prospects will be better and develop. The space will be even bigger.
The training work is over this week, and all the content of the training has been classified as a reserve for our future work. Of course, the training is over, but in the future work, we still need to receive retraining and receive practical training.
The five aspects of the training work 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 work has infiltrated all aspects of future work, from theory to practice, and adhering to these things, the training effort is not in vain.
The summary of the training work is a general summary of the work since January. I hope that my future development will be as summarized, and the training will always guide my career in my education.

Chapter 5:

Beautiful July, I walked out of the beautiful July, I walked out of the ivory tower and went into the people's livelihood. I have rarely conducted in-depth self-examination of myself for two months. This time, the leaders of the line called on all the staff to carry out self-examination and self-evaluation activities. For me, it was a good opportunity to discover, explore and transform themselves. Therefore, I seriously reflected on myself, dissected, and checked this. More than two months of study work: hard work, dedication, achievements, and deficiencies.
On July 10th, the pre-job training for people's livelihood began. First, everyone concentrates on learning the entire people's livelihood culture and development history, and then learns the basic business and characteristic business of xx Minshengxing, involving foreign exchange, savings, and financial management. After that, our six interns began to receive systematic training in the accounting business. We need to master the counter business skills in the shortest time. The accounting course for 10 consecutive days and 70 hours, the notes are all recorded in half, this is a bit like cramming, and all three skills are practiced by the class time. After all, it is a short training. My knowledge of banking business is still very narrow, especially for foreign exchange, credit, compliance, and so on. In the future, we should look at books in the banking industry and improve our knowledge.
On July 30th, I was assigned to the internship department of xx. Here, I digested the accounting course of Professor Xxxx very well and made progress. Haha. . .
The first day I just came to xx was my most tiring day. I went inside at 8:00 in the morning until half past five, and only took more than half an hour at noon. It’s not that steel brothers don’t let people rest, but I’ve seen that Nana’s sister, Chinese sister, and Yan Xinge are too busy to rest, and they shouldn’t rest. Around 4 o'clock that afternoon, I suddenly came to a lot of customers and saved a lot of money. I helped the person to complete the money, then went to the person to continue to tie up and busy, and finally everyone said to me, you rest. Let's sit for a while. In fact, I don't want to sit down, but as an intern, there are a lot of things to learn, and a lot of trivia to do. When you sit down, the rhythm slows down. It’s not my hypocrisy. I told myself that I gave up other opportunities to find a job. I spent time and energy here. I have to be worthy of myself! I am devoted to a profession and devoted to a job. Even if I don't work here in the future, my internship this month will let me experience a different life, and I have an experience in my life. Ha ha. . . At that time, I thought so.
Maybe it is because I am more serious and responsible for doing things. After a week, Steel Gonna arranged for me to go to work on Saturdays and Sundays. People can let me go to the cabinet for the first time. It is very nervous for the first time. I probably do four or five business, it was too nervous at that time, huh, I am poor Charlotte. After that, I will go to the cabinet every weekend. When I make a mistake, Yang Yang and Hua Jie are unambiguous and will not tolerate my mistakes. They taught me a lot.
On August 23, I was transferred to the branch sales office. On the day of departure, everyone took turns and told me a lot. I am grateful to everyone and I am very unwilling to leave. Come to xx internship, I am really lucky to get a lot.
On August 24th, I started to work as an intern guide in the VIP lounge. The work outside the counter was completely different from that in the counter. I was at a loss! On the first day, Pinger sister taught me a single order, many and many singles. It was already noon when I finished the minute. In the afternoon, I stood alone in front of the calling machine, just like a street sign, very depressed and very sad. At that time, even a person talked to the air! I asked the air if I was stupid, and the air told me it was. The mood is low to the extreme. At 6 o'clock in the afternoon, Joe came home from work and came to the store to punch the card. She saw me and came over to chat with me. I told her that I was stupid and useless. I don't know what to do. She I smiled very awkwardly and told me that the guide must first do a good job, and the service workload is the biggest and most cumbersome and most important! She took me to the filling station. You see, there is no pen in this place. It is inconvenient for customers to fill in the voucher. Sometimes, when you meet older or less cultural customers, you can help them fill in here. Voucher; this water dispenser must always have water and cups, the weather is hot, many customers are driving the car far away to do business in the line, they are very tired and thirsty, there will be water in the line will feel the people's livelihood The service is intimate; sometimes the front desk is crowded with people, others will feel that the people's livelihood hall is messy, you have to guide customers to wait in the waiting area; VIP room is the most important, we did not have a special guide, The VIP room also does not have a detailed management system. This requires you to find the VIP customers' needs and hobbies in the course of their work, find a solution to build a VIP room, and create a new feature in our VIP room. The customer came to our business hall to see the first thing not only the indoor decoration environment, but a smiling face, a kind greeting, the lobby manager and the guide are a business card for the public to face the public. The first person to reach out to customers, the first to know what services a customer needs, the first to help customers solve problems. . . . Sister Joe talked and talked with her. I deeply realized the mission and significance of being a guide. I can't help but admire that Joe is so young and capable, and it's hard to be so modest and unobtrusive. Maybe people will have a charm when they reach a certain level, and there is a bright but never dazzling light. And this charm and light is often not available to our young, uncivilized people. Really have people who have experience and connotation, her light will illuminate the surroundings, but it will not put pressure on people. Oh, I am very grateful to my sister for giving me encouragement and help.
Now, when I am not helping the client to handle the business, I will humbly ask the colleagues in the counter and take notes carefully. Every morning, I will arrive at the branch 10 minutes in advance. Check whether the publicity materials in the lobby and VIP room are neatly arranged, whether the tables and chairs are placed in an orderly manner, and if there are any defects, I will carefully arrange and carefully issue the bills. When the customer enters the VIP room, I will take the initiative to meet the front, first of all to the customer with a friendly smile, open the door for the customer, and then ask him enthusiastically: "Hello, welcome, what business do you want to handle?" Need, I will help them fill in the business credentials; after the client finishes the business, I will sincerely say: "Welcome again, please go slowly." Sometimes there are many waiting customers in the hall, I will go out. Give them a glass of water or hand in a newspaper. I tell myself that I would like to give my customers warm and cordial greetings and maintain elegant and generous service etiquette.
As a guide, my words and deeds will be the focus of the customer for the first time, so we must have a fairly high overall quality. We must have a familiar and professional understanding of our financial products and business knowledge, and then we must be enthusiastic and proactive in the service etiquette, and we must be smart and able to adapt. I am a student who has just stepped out of school and lacks work experience. Almost none of them can do it, let alone excellent. The guide is a very challenging job. I must seriously invest, work diligently, and be the best guide for the people's livelihood. I want every customer who goes to Minsheng to remember me and let them mention xx people's livelihood, and think of my lovely guide!
I have worked hard to know the hard work. Besides the work, there is also a speech contest competition contest. I am busy every day, but I am so happy and happy. Sometimes I make mistakes, but I am not afraid of facing mistakes and failures. I will I learned the right things after making mistakes, and I was impressed. Now I am obviously more capable than before. Every day, I seriously put myself into the work, seriously thinking, feeling with my heart, summing up with my heart, I have feelings every day, every day has a harvest, every day has progress. Ha, I really live as a bank, and I work hard and heartily. People's livelihood gives me this stage, I will cherish it, I will work hard, in the future work, according to the customer service standards of the head office, strict requirements, down-to-earth work, in the position of the guide, unreservedly put their own hard work, Sweat and wisdom contribute to the xx people's livelihood and realize their dreams!