ICBC Internship Identification

Part 1: Industrial and Commercial Bank Internship Identification

This summer, I came to the Industrial and Commercial Bank of China *** branch for a phase internship. The Industrial and Commercial Bank of China *** sub-branch is a sub-branch featuring real estate loans and personal loans. The deposits amounted to RMB1.7 billion, and various loans amounted to RMB 1.4 billion. The main deposits were RMB, foreign currency deposits, loans and remittances. Business, at the same time handling various agency insurance business. Under the background of bank reform, the sub-branch carried out various businesses, especially the credit business innovation, and ranked first in the city for three consecutive years of profit.
The reason for choosing a bank is because the bank has always been the meeting point of funds from all walks of life. In addition to the institutional relationship, people are more willing to regard commercial banks as a “state institution” and neglect that commercial banks should be regarded as a legal entity. As a company with profit as its main purpose. The discussion on the bank's profit is largely linked to the bank's deposit amount. In some areas, the amount of deposits is used to examine the success of the bank's operations, and the crucial credit profit has been left behind. Bad debt.
After China's accession to the WTO, China's financial industry will certainly accept a strong impact from the world's financial industry. If the four major state-owned banks and regional commercial banks continue to adopt the original policy, the Chinese banking industry will be in an unprecedented dilemma. After seeing this situation, the central government decided to carry out a shareholding system reform for the four major state-owned banks. On July 15 this year, the Industrial and Commercial Bank of China announced that in the 70 days after the State Council decided to implement the shareholding system reform for ICBC, ICBC has The tasks of financial restructuring have been well completed. After the completion of the financial restructuring, ICBC’s financial and asset quality indicators have reached the standards of health banks. As of the end of June, the total capital of ICBC reached 280.6 billion yuan, with an adequacy ratio of 9.12%, of which core capital reached 252.5 billion yuan and the adequacy ratio was 8.07%; the non-performing asset ratio of domestic and foreign institutions fell to 2.72%, and the non-performing loan ratio fell to 4.58. % decreased by 11.51 percentage points and 14.42 percentage points respectively from the beginning of the year; the provision coverage ratio reached 100% based on the provision balance and accrued expenses. This means that ICBC will bid farewell to the history of the amount of deposits, and the business scope and business proportion of profitable businesses such as credit.
My purpose is to use accounting knowledge to understand and analyze the operation of other profitable businesses in addition to deposits in ICBC, and in this process, improve their accounting practice ability. Fortunately, ICBC has access to the credit department because the credit department, as a representative of the profitable business, is basically a comprehensive reflection of the entire profitable business. It will enable me to understand the profitable business more comprehensively.
Bank credit is based on the newly promulgated General Rules for Loans. Bank deposit income is the main way of bank financing. On the basis of bank deposit guarantee, various kinds of businesses are used to reinvest deposit funds to realize the profit growth of banks and use operating profit as an important means of bank capital growth. Based on the national benchmark interest rate, according to the actual situation of the bank and the market, the floating loan interest rate or the falling loan interest rate can be used to obtain the maximum profit.
During the internship, I mainly studied the specific operation business of personal housing loans and personal consumption loans. During the learning process, I also conducted an accounting analysis on the two loan businesses, personal housing loans and personal consumption loans. I hope to use the accounting method to obtain these two. The profitability of the business. These two businesses are to cut the national benchmark interest rate by 10% and conduct business with a range of interest rates from 4.32% to 4.59%. Because the credit risk of these two businesses is the lowest among all credit businesses, lower interest rate levels are used to attract more loan business and achieve profitability. From the specific operational mode, on the basis of the interest rate reduction, the bank, through specific regulations in the loan, cooperates with the insurance company to insure the loaned funds, thus ensuring the safety of the funds being borrowed, and in the insurance company. Profits in cooperation are a good way to make money in a purely corporate sense. Of course, in the formulation of specific rules, it is conducive to the growth of bank profits. For individual housing loans and personal consumption loans, the actual loan amount, the maximum loan amount, the down payment amount, the loan period, the mortgage assets, Different requirements in terms of mortgage method and asset valuation. These requirements in turn provide security for the loan and minimize the bank's bad debt rate.
It can be seen from statistics that last year, the credit department's housing loan was 67.281 million yuan, which was 713.85 million yuan this year, an increase of 41.04 million yuan, and the half-year growth rate was 5.7%. This is the overall statistical amount. During the internship period, it is counted from the voucher that the accumulated overdue principal amount is 561,902.39 yuan; the accumulative table is out of interest; the accumulated off-balance sheet interest is 12,802.76 yuan. The amount resulting from the three items is 721,577.45 yuan. From the accounting point of view, this 721,577.45 yuan can be regarded as the current expenditure, and the profit generated by the increased loan amount of 41.04 million yuan is 1,883,736 yuan. The net profit is 1162158.55 yuan. From this figure, the bank's housing credit is profitable.
There is also a personal comprehensive consumer loan, which was 7.55 million yuan last year. It was 14.23 million in August this year, an increase of 6.68 million. Since the personal comprehensive credit business is far more risky than the housing loan, the relative amount involved is also relatively small, which is also beneficial to control the bank loan risk.
As can be seen from the above figures, the personal credit business, the bank risk is still relatively small, and the amount of profit depends only on the amount of the loan. As long as the relatively low interest rate level is set according to market characteristics, banks can obtain fixed profits from personal credit. These two loan businesses can realize asset appreciation.
Then the bank will look at the credit business of the company. Corporate loans are the most risky business, and the reason for banks to generate bad debts is largely due to corporate loans. Due to the long operating time, ICBC once became a big bad debt account. For a profitable enterprise, bad debts are inevitable, and how to reduce the incidence of bad debts should be closely watched. During the internship, I saw that every employee of the credit department from top to bottom maintains a vigilant attitude toward corporate loans. When receiving a corporate loan, it will conduct an inventory check from the basics. Once the unfavorable factors are discovered, the loan will be stopped immediately. Review and disqualify the loan. From the formalities, corporate loans are no longer unimpeded. At the time of the specific review, the bank will conduct an asset assessment for the applicant loan enterprise, involving various assets such as total assets, total liabilities, and asset-liability ratio. Take a business company as an example, the bank's total assets, total liabilities, current assets, current liabilities, inventory, owner's equity, asset-liability ratio, current ratio, monetary funds, accounts receivable, prepayments, fixed Assets, short-term loans, paid-in capital, sales revenue in the previous year, and total profit were analyzed. The company's total profit last year was 1.9 million, and the total profit for the first half of 2005 was 930,000. After analysis, the company is a medium-sized enterprise with total assets of 35.99 million and the ability to return 2 million loans. The current ratio is 35%, and its short-term solvency is not strong. Because the loan period for this type of enterprise and this type of loan is 2 years, it is necessary to consider its short-term solvency, that is, to recover 2 million costs and 318,240 yuan within 2 years. interest. Its short-term solvency will be a serious step. Considering the ratio of property rights, the result is: 1.13. The ratio of property rights reflects the long-term solvency of enterprises. The lower the general indicators, the smaller the financial risks undertaken by enterprises and the stronger their solvency. The long-term solvency of the company is the same as the short-term solvency, which is far from the average. The evaluation of these two basic solvency shows that the company is not strong in both long-term and short-term solvency. There is a risk to bank loans, and banks are likely to abandon their consideration of corporate loans for risk reasons. Of course, the bank's review is not limited to the scope of accounting, but also related to the society. Until the end of my internship, the loan review of the company has not yet ended. However, from an accounting perspective, the company should not be loaned.

Part 2: Industrial and Commercial Bank Internship Identification

During the summer vacation, I was fortunate enough to come to the Shuangliu County Branch of the Industrial and Commercial Bank of China for a one-month accounting internship. I learned a lot of knowledge outside of books and benefited a lot. The following is a brief discussion of my real name system for bank savings deposits.
I. The meaning of the real-name system of savings deposits The real-name system of savings deposits refers to the system in which residents must present valid identification when they open an account in a financial institution and handle savings business. Bank employees are obliged to give records and require depositors to leave their names on the deposit slip. Its fundamental purpose is to promote the financial system on the basis of fairness, justice and openness under the premise of effectively protecting personal interests and safeguarding national interests, and to ensure the authenticity and legitimacy of personal financial assets. In the past 50 years since the founding of the People's Republic of China, the savings deposit system has been implementing a registered savings system. The name can be a real name, a pseudonym, a code or a name of a relative or friend. In particular, the current savings, the bank only recognizes the deposit and disclaims the person, as long as the payer provides the passbook to show the seal or lose the password to the bank, the payment is made. The real-name system of savings deposits is a financial system that has been implemented by developed countries and is also the financial system implemented by most developing countries.
Second, why the real savings deposit real name system China's current savings deposit registration system can be said to have caused a series of social and economic problems from the source, has hindered the process of reform and opening up, to the point of accumulation.
1. The phenomenon of accelerating growth of savings deposits has concealed the shocking social wealth transfer. As of the end of June 1999, the total savings deposits of commercial banks in China amounted to 6.3 trillion yuan. China's household savings deposits have grown geometrically. In 1987, the balance of savings deposits of Chinese residents was only 307.3 billion yuan. In 1992, it exceeded 1 trillion yuan. In 1994, it exceeded 2 trillion yuan. In t995, it exceeded 3 trillion yuan. At the end of 1998, it reached 5.3 trillion yuan, and in just half a year, it reached 6.3 trillion yuan at the end of June 1999. Since 1992, although China's GDP growth rate has embarked on a rapid growth channel, the highest year is 14.1% in 1992, and the lowest year is 7.8% in 1998. From 92 to 98, the arithmetic mean The number is only 10.76%, and the growth of GDP is not synchronized with the growth of savings deposits. This shows two points. First, the distribution of national income is excessively inclined to individuals. Second, some personal income is not derived from national income, but directly from the loss of state-owned assets.
2, tax collection and management difficulties, tax evasion is serious. Taxation is a citizen's obligation, but under realistic conditions, it is a personal responsibility to evade taxation. For many financial managers, tax evasion has become an obligation. The proportion of China's personal income tax to per capita GDP is about 0. .28% or so, far below the average of 2.1% of the developing countries, the excessive loss of tax sources, the root cause is that China's current savings deposit system can not support the collection and supervision of personal income tax, and the imperfect deposit system is not good. In establishing a citizen's credit system, it is impossible to clarify the individual's obligations to the state, and it is impossible to adjust the income gap and the gap between the rich and the poor through tax leverage, alleviate social contradictions, and enable the state to concentrate on doing big things.
3. The relevant adjustment policies of China are at a loss, and the implementation effect is greatly reduced. For example, in response to the lack of domestic demand and weak consumption, the state has introduced a series of policies to stimulate consumption, such as continuously lowering interest rates, encouraging consumer credit, collecting interest income tax on savings, increasing the wage income of civil servants and public institutions, and stimulating education consumption. Wait, but the effect of these policies is not obvious. Why? Because the deposit and deposit registration system masks the gap between the rich and the poor, it is difficult for the legislative and administrative agencies to prescribe the right medicine. For a small number of wealthy people, the income is only a decrease in the number. Money can't be spent on them for a few years, and there are some, so they are numb to the policy of stimulating consumption.
4. The personal credit system cannot be established. The market economy is a credit economy. All economic relations depend on credit to maintain. Without a good credit system, there will be a phenomenon of “unstable trading” and “investment lock-in”. Because of mutual distrust, the trading method will be to cash transactions and goods. The original stereotypes such as goods slipped down, and the pessimistic sentiments of "banks reluctantly lend, enterprises cherish investment, and individuals cherish borrowing" pervaded, causing economic dynamism to decline, and macroeconomic regulation and control policies are difficult to play a role. The establishment of a personal credit system is of course a complicated program involving financial law and regulation construction, financial product innovation, technological innovation and management innovation. However, the real-name system of deposit summer internship report deposits is the most basic and core content.
Third, how to implement the real name system of savings deposits
1. Establish a real-name system for savings deposits based on the existing personal identification number. Credit is the face and passport of citizens living in the world. The quality of personal credit is directly related to whether they can enjoy loans, overdrafts and installment payments, and also affect retirement protection. Under the record and support of the real-name system of savings deposits, every income, transaction, tax payment, loan, and repayment of each person is recorded as the basis for assessing credit.
2. Defining a declaration confirmation period, registering and registering existing personal accounts and personal assets, indicating the legal source that can be calculated, and if the time is not fixed, unclaimed, and unable to explain the legal source, the state will freeze the investigation and the illegal income will be Confiscation and confiscation.
3. The bank account is connected with the taxation authority. The income and expenditure of the individual account are reported to the tax bureau within the scope of authorization. The tax bureau is responsible for the tax payment. The tax bureau is obliged to keep the personal property highly confidential and establish corresponding punishment measures. In order to block cash transactions and evade loopholes in tax inspections, banks should strictly control the number and frequency of large-value deposits and withdrawals, and report them to the tax bureau for abnormal conditions.
4. It is necessary to promote the billing of payment instruments and provide a basis for property registration and legal taxation. In particular, personal accounts need to popularize the check transfer business. The bill clearing must be electronic, instant, and pass-through, and provide “anytime, anywhere, casual” personal transfer business, and gradually change the traditional practice of relying on cash transactions.
Fourth, the implementation of the real-name system of savings deposits should pay attention to alleviate the negative impact. For 50 years, we have relied on the diligence and saving virtues of the broad masses of people and the high savings rate to support the stability and development of society and economy. Finance is the core of the economy, financial stability, the people's heart can be stable, and society can be stable and developed. The development of savings requires a sense of security. The sense of security stems from the confidentiality of savings. The implementation of the real-name system of savings deposits may lead to an increase in the unsafe mentality of depositors. Because “afraid of wealth” is a common social psychology, the people are afraid of being rich and the corrupts are also I am afraid of being rich, how to weigh the two, to avoid disadvantages, and to think about it. This is the first question we must consider when implementing the real-name system of savings deposits. Second, after the real-name system of savings deposits is introduced, a large number of black and gray incomes will be withdrawn from bank deposits. Some people who are deeply worried about panic may also increase their withdrawals. This decline in deposits will inevitably impact small and medium-sized banks first, because of the history and background of small and medium-sized banks. And the strength of deposits has always been untenable for ordinary people. Excessive withdrawal of deposits will result in bank liquidity risk and payment pressure. The so-called falling out of the deposits may lead to the accumulation of non-performing assets of commercial banks, which will impact the entire banking system and even cause financial panic.
Therefore, to reduce the negative impact of implementing the real-name system of savings deposits, the key points are to do the following three things:
1. Strengthen the construction of laws and regulations. Such as "Secrecy Law", "Personal Property Protection Law."
2. Strengthen professional ethics education. Conduct professional ethics education for internal staff of the bank and internal staff of law enforcement departments such as public security, courts, discipline inspection, and auditing, strictly enforce the law, and strictly keep confidential. Increase the supervision of law enforcement agencies and control the power of law enforcement agencies to inquire, freeze, and deduct individual financial assets.
3. Oppose corruption. In some localities, grassroots organizations charge fees, arbitrarily apportion, and fines are more serious. Implementing the real-name system of savings deposits may make it easier for cadres to grasp the homes of residents, and thus it is easier to target the "three chaos" more efficiently. Therefore, grassroots cadres should strengthen their knowledge and law-abiding education, severely punish the "three chaos", and resolutely pursue their legal and economic responsibilities for abuse of power and infringement of the interests of depositors.

Part 3: Industrial and Commercial Bank Internship Identification

I have been internship for nearly half a month at the Bank of China West Bank Savings Office of ICBC. During this half-month, I felt the feeling I had never had before in school. I also learned the experience of the first-time society. A lot of things to do things.
I still remember that when I first came, my business knowledge in the lobby was very lacking. I can say that everything has to start from scratch, but as time goes by, my brother and sister from the director and the front desk will guide me carefully. Patience explanation, I have a certain understanding of the business of the hall, coupled with daily practical operations, deepen my understanding of these businesses, so that I gradually understand, from understanding to proficiency.
In the days of internship in the lobby, the biggest inspiration for me is that as long as you master the basic business and meet every customer with a smile and sincerity, they will treat you with sincerity. As long as you patiently explain the doubts to them, they will say "Thank you!" Every time I see a bright smile on the customer's face and say a short "thank you", my heart feels particularly warm and happy, then I really feel that it is a happy thing to help others and solve problems for others! However, not all customers are good-tempered, sometimes some guests are not in a good mood, and they talk more fluently. Even if you smile at him, he will ignore it and if the business is not handled well enough, he will be furious and in the hall. Yelling. At this time, we must not fight with them. The best way to discourage is to keep silent or turn to the director or front desk staff. In the process of getting in touch with various groups of people in society, I slowly learned to meet every customer with a bright smile. Different people should treat them with different attitudes and ways. For example, we must be very patient with the elderly. Whether they are asking for funds or checking passbooks and deposit certificates, we must take the initiative to meet them, even if they are helping them to walk and rest; and treating young people is different, some customers I am very clear about what kind of order or receipt I need to fill out the business, we don't have to worry about explaining this problem too much, and we are mainly responsible for diverting our business to the automatic machine to achieve the purpose of relieving the pressure of queuing; For some special populations, special care and help should be given, especially for pregnant women, disabled people, or for emergency and expedited business personnel. The priority principle should be taken for these people, so that they can take care of them at the same time. Does not affect the progress of the normal business of others.
Although I haven’t stayed in the savings house for a long time, what I have learned here is something I couldn’t learn and give in books and schools. It includes both psychological experience and philosophy of being a human being. . Everyone in the room is very good to me, whether it is the director, the front desk staff, the security, the cleaning staff, or the brothers and sisters of CITIC Securities and the savings insurance company. They care very much about me like a family. I have given me great help and teaching in business and communication. I really benefited me. In the daily life, I learned to be inclusive and understand fraternity and tolerance.
In the blink of an eye, I have been internship for nearly half a month. However, due to the variety of business services represented by ICBC and the limited time for study, I have not been particularly familiar with the individual business of the lobby. Some of the documents are filled in and the business correspondence is corresponding. Not too familiar. Sometimes people are more than one, and occasionally make mistakes in tearing out the wrong documents, but these have stimulated my self-improvement of learning to correct, I insist on copying the business that is easy to confuse on a small book every day, forget I took it out and read it. I believe that practice makes perfect. If you look at it, you will be proficient in nature. If you don't understand it, don't worry about answering it first. Ask the instructor or the front desk staff to give the customer a satisfactory answer. I firmly believe that I can treat the work that I love with a hundred times of seriousness, and strive to reach out to more and different people. From all corners of society and all aspects, I have a deep understanding of the complex and ever-changing group that we live in. Open up my horizons and insights, and develop the skills to deal with people in the internship. From the youth to the maturity and stability, after entering the society, you can no longer play as unfettered as the students. Instead, we must take the initiative to shoulder the burden of supporting ourselves. I really understand that it is not easy to make money. The employment pressure of today’s college students is so great that it is quite difficult to find a decent job. Therefore, this valuable and rare internship experience has become a valuable asset before my employment. I want to prove my strength with my own efforts and labor through this work, and lay a solid foundation for future formal work!
Through these days of work, I also deeply understand that the financial outlook of the people is now more and more reasonable and avant-garde. Just a few days ago, a large group of grandmothers and grandmothers came to open an account to buy funds every morning, and some almost every day. It was early in the morning to queue up at the door to wait for the bank to open the door. This kind of perseverance is even out of reach for young people. Others know that after the bank deposit and loan interest rate is raised, in order to prevent the loss of interest, it is decided to take the current money and then transfer it. Saved as another pen, in fact, there is not much interest money in this way, but the elderly have clearly calculated every cent per cent, I am deeply impressed by their flexible economic mind and fashionable financial ideas. On the contrary, we young people only know the hard-earned money of their parents all day long, but they never understand the hard work of making money. It seems that it is a bit embarrassing. But from now on, I know how to cherish every penny I earned from my parents and parents, make full use of this internship opportunity to increase my knowledge and hone my perseverance, and get to know more people from all walks of life and understand them. Different concepts of consumer finance, learn from them and valuable things and strive to transform into our own wealth.
Finally, thank you again to the leaders and employees of the bank. You have made me grow better. Your efforts will not be in vain. I will use all my enthusiasm and hard work to realize my life value. In the following time, I will continue to do my own work as always, serve the customers wholeheartedly, and add brilliance and glory to ICBC for myself!
I will always remember all the things that the ICBC internship brought to me. It makes me really learn to grow and understand how to do things. I hope that this internship will be carried out smoothly. I hope that ICBC and our school can continue to do so. Convenient for the bank's social practice activities, I wish this internship a complete success!

Article 4: Industrial and Commercial Bank Internship Identification

My name is XXX and I am a student from XX College XX. In the past few months, I have had the privilege of coming to the International Department of the Industrial and Commercial Bank of China Shaoxing County Branch and the Accounting Department for an internship. As the beginning of the report, I would like to introduce some basic situations of ICBC.
Industrial and Commercial Bank of China is one of the four state-owned commercial banks with more than 20,000 branches. It is the largest commercial bank in China. At the end of 2004, its total assets were nearly 5.3 trillion yuan, accounting for the total assets of banking institutions in China. Nearly one-fifth. The Shaoxing County Sub-branch of ICBC ranked second in the income ranking of the county-level sub-branch of the Zhejiang ICBC System in 2004. A large part of it was benefited from international business, mainly because the local foreign textile trade was relatively developed.
Therefore, after completing the internship task of the accounting department, I also went to the International Department for a short internship to gain a more comprehensive understanding of the core business of the bank. During the internship of the accounting department, I mainly studied the integrated business processing system, became familiar with the accounting subjects of the bank, basically mastered the accounting and review operations of the system, and was able to independently handle the exchange of the same city, securities clearing and foreign exchange accounting. . Through reading, asking and hands-on operation, I have a more systematic understanding of the main work of the accounting department, especially the check draft, etc. Before the internship, I only learned the basic concepts from the book, and there is no real bill. Specific understanding. Now I have a general understanding of the process of trial and settlement. During the internship of the International Department, I learned by doing and found that most of the knowledge has been learned in International Settlement. All I have to do is to be familiar with the various bills and master their role in international trade. And guide customers to fill in the form and review the order. In the process of internship, there are teachers and leaders, the assistance of bank employees, and their own efforts.
This internship brought me from the pure theoretical study of the school to the environment of learning in practice. As soon as I entered the post, I realized that it was time to converge on the wildness of the student era. There is no rule without a square. Although the atmosphere inside the bank is harmonious and there is no old-fashioned restraint, it is a mechanism that deals with money. It requires strict discipline and detailed procedures. I should be strict with myself. It is better for me to follow the rules of the bank. The following is the experience of my internship for several months: First of all, in the short period of one month of the internship of the Shaoxing County Branch of ICBC, I have made a great change in my mind. In the past, when I was learning in school, the teacher always poured knowledge into my mind. I didn’t have such a strong desire for knowledge. Most of them forced me to learn. However, the internship here has really made me feel very much, my knowledge is too poor, and the atmosphere of the bank staff's learning atmosphere has invisibly created a desire for self-seeking.
Everyone is here to study hard, and this hard spirit is especially admirable. Give me a feeling of wanting to integrate into them. This will be a great advancement in my future life. Only by insisting on learning new knowledge will you improve yourself, and there is such an atmosphere here. At the same time, this internship also provided me with a different learning method and learning opportunities, which made me change from the traditional passive teaching to the active learning; from the rote mode, to learn in practice, enhance The ability to comprehend, innovate, and infer. Mastering the methods of self-study, the improvement of these methods is beneficial for life. I think that this rare two months makes me really understand the basic laws of work and study. Secondly, during the internship of this internship, I deeply realized the importance of teamwork. I remember that I had been working independently for two weeks at ICBC. It was not as tense as the first time. On that day, the banking business was particularly high, the system was too busy, and the computer was running very slowly. Among them, a withdrawal of 900 yuan had occurred, but the invoice could not be printed. The investigation was successful, and the supervisor confirmed that the business had been successful. The invoice has to be supplemented by hand. When I got to the evening, I found that I lost 900 yuan. When I checked the water again, I found that the 900 yuan withdrawal was still in transit. But the supervisor also confirmed it at the time, and confirmed that it was successful. It is probably because the system is not good and the computer automatically recharges, so this is the case. Fortunately, the customer's account was opened in the bank. My colleagues helped me find the contact information of this person. The supervisor helped me recover 900 yuan. At that time, I was really grateful to every colleague in the line. I realized the teamwork really. It is very important.
This internship has provided me with a wonderful experience in all aspects of my work and life. I think this change is a qualitative leap. Now that the internship is over, the leaders and colleagues of the Shaoxing County Branch of the ICBC have also affirmed my achievements. I am also basically satisfied with my performance and laid a solid foundation for me to go to the society. In dealing with the bank's employees, I also learned the attitudes and methods of treating people and doing things. The employees of the bank are sincere. Although they are older and I am a little older, I feel that they are mature and have many worthwhile. The place I studied, these months are opportunities that I can't buy with money. I have a lot of gains from work, study, and life. I don't have time to come. If I have time, I hope I can have another internship.
The above is the experience of my internship. Finally, I sincerely thank everyone at the Shaoxing County Branch of the ICBC. In the future, I will not live up to your expectations, do my job better, and do my best for my cause.

Chapter 5: Industrial and Commercial Bank Internship Identification

At present, the Industrial and Commercial Bank is working hard to develop wealth customers. ICBC Wealth Management Services for individuals with personal financial assets of RMB 1 million has achieved a series of services such as contract signing, personal risk assessment, wealth planning, asset management, and portfolio execution reporting. First, through financial analysis and risk assessment, wealth clients You can enjoy tailor-made and personalized integrated financial and insurance solutions. At the same time, the account manager can provide investment portfolios and exclusive wealth management and insurance products, and provide personalized services through fund-based financial management and brokerage-oriented financial management platforms. Asset management services. In addition, wealth customers can also enjoy value-added services such as VIP channels, rate concessions, financing facilities, wealth customers with multinational wealth management needs, and will also enjoy cross-border account agent witness account opening and other domestic and overseas linkage financial services. ICBC is also the first in China to introduce dual-media high-end debit cards with chips and magnetic strips as an exclusive identification medium for wealth management contract customers.
Investment and wealth management products mainly include: national debt, funds, securities, insurance, foreign exchange trading, gold trading. At present, ICBC acts as agent for 435 funds. The choice of funds depends on the size of the company, as well as the qualifications of the fund manager.
For the financial planning of customers, we must first understand the customers, such as the customer's funds for financial management, the current time deposit limit, clearing the customer's financial goals, and the customer's risk appetite. The client needs to fill in the relevant information, and then the financial planner determines the type of investment the client belongs to through the personal customer marketing management system, so as to develop a corresponding financial plan for the client.