Credit union social practice report

In order to better consolidate my own economics related knowledge and cultivate basic economic work skills, I went to XX Rural Credit Cooperatives for XX months of social practice from XX XXXXX of XXXX to XX XX of XXXX. For nearly XX months of social practice, I have a sensible understanding of what I have learned in school, so that I can more fully understand the relationship between theory and practice. The content of my practice this time is mainly accounting business and savings business.
I. Accounting The accounting of the accounting department of the public business is mainly divided into three steps, accounting, review and cashier. The bill business mentioned here mainly refers to checks, including transfer cheques and cash checks. For the cash check business, the first thing to check is to see whether the seal of the ticket holder is consistent with the seal of the credit union. The method is manual folding inspection; see if the capitalization amount is the same, the amount of the ticket, the date of the ticket, and the receipt. Whether the factors of the person's money have been altered, whether the check has exceeded the reminder payment period, and whether the check is overdrawn. If there is an endorsement, the endorser's signature is consistent. It is worth noting that the capital amount is equal to the yuan, and the score cannot be recorded. For the cash check, the accounting bookkeeper will review the account and then pass it to the accounting reviewer. After the accounting reviewer confirms the correctness, the pass will be delivered. The cashier will be stamped by the cashier and the payee will be able to receive the cashier. Receive cash. The audited check is the same as the cash check, and is processed by the accounting bookkeeper for review and accounting, and the accounting reviewer reviews it. What needs to be explained here is a question of the time of entry. Cash Checks and Payments The Bank's transfer checks are to be credited directly. In the case that the payee and the drawer are not open to the same bank, such as some of the transfer checks, such as entrusted collection, can not be accounted for after the exchange of the notes, because the county-level branch has not opened an account at the local People's Bank, in the accounting It is reflected in the “Storage in the system” account. What we know more about in school is the latter. There are also some subjects such as “internal exchanges”, which refers to the allocation of funds from the accounting department and the savings department, such as the payment of wages on behalf of the enterprise; “storage of funds in the system”, which refers to the liquidation reserve and transfer of the lower-level bank with affiliation Funds, deposit reserves, etc. What we are familiar with is “the deposit of the central bank”, which is the accounting subject used by the provincial branches that directly interact with the central bank. The withdrawal of some large sums of money is required to register a large amount of money registration form, and the cheque of the payment must be signed by the accounting supervisor before being withdrawn.
“The day is in the morning”, as is the accounting department. The daily business mainly includes checks, wire transfers and so on. Before noon, there is a bill exchange, and a special transfer loan, a credit certificate, etc. are prepared according to the exchange slip order to check whether there is a refund. In the afternoon, the cheques submitted by other staff members for collection will be reviewed and stamped with the “Receipt” stamp, which will be submitted to the reviewer for entry into the computer exchange system. After the end of the business today, the day-end processing will be carried out to print out all the relevant documents of the business that occurred on the day, reconciliation; print the “current account” to check whether the lenders of today's accounts are balanced. Finally, the account is rolled. These printed vouchers are bound by a special staff member, and are reviewed again to see if the subject chapter is reversed, whether there is a leaked cover, etc., and then the binding vouchers are submitted to the superior bank for audit. This day's accounting work has come to an end.
Second, the savings business savings department is currently implementing the teller responsibility system, that is, each teller can handle all the savings business, that is, open an account, access cash, the certificate is not passed between the accountants like the public business department, but each The tellers are separately accounted for and billed. The process is divided into two types: deposit and deposit: after depositing the deposit, after depositing the deposit, print the deposit slip and passbook signed by the depositor, and then deliver the passbook to the depositor; the withdrawal is to first print the withdrawal of the payer. With the receipt and passbook, then clear the withdrawal amount and deliver the depositor's passbook and cash payment. Compared with the accounting business, the savings business is relatively simple and straightforward, and the accounting subjects involved are relatively small.

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Through this practice, I have a more detailed and profound understanding of my major, and it is also the consolidation and application of the knowledge I have learned in colleges over the past few years. From this practice, I realized that the actual work is at a certain distance from the knowledge in the book and needs further study. Although the practice of this practice is mostly focused on the relatively simple front-office accounting business, this has helped me to understand the process of bank accounting in a deeper level. The accounting program has provided great help, so that I am not limited to books in the basic business of the bank. Ben, but have a more comprehensive understanding. In particular, the division of accounting has an important significance for commercial banks to prevent accounting risks. It plays a role in mutual restraint and mutual supervision, and is also conducive to reducing the occurrence of errors and avoiding wrong accounts. As the saying goes, the journey of a thousand miles begins with a single step. These basic business is often not completely understood in books, so the basic practice is particularly important, especially the job opportunities of senior technicians reflected in the current employment situation. It is far greater than undergraduate students because they have better hands-on skills than undergraduates. From this practice, I realized that if we combine the knowledge we have learned in college with more practice, we use practice to test the truth, so that an undergraduate has a strong ability to handle basic practice and a comparative system. The professional knowledge, this is the real purpose of our study and practice.