[Boutique] Bank Internship Report

This article directory 1 Bank Internship Report 2 Construction Bank Internship Report 3 Bank Trial Period Internship Report Part 1: Bank Internship Report

As a college student who is about to enter the society, I am honored to have a two-month internship at xxx Bank. I objectively understand the knowledge I have learned in school and make myself more fully understand the theory. The relationship with the actual. At the same time, I also feel that my lack of knowledge has strengthened my belief in active learning. After two months of internship, although I still feel very confused, but a small inventory, but it is also a lot of gains. Below, I will discuss my internship at xxx Bank from the content and process of the internship and the internship experience. First, the content and process of the internship

Internship time: Internship location:

During the internship, I have a deeper understanding of the accounting, savings and credit businesses. 1. Accounting business department

Accounting for 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 if the ticket holder's seal is consistent with the bank's reserved seal. The method is through computer inspection or manual verification; then see if the capitalization amount is consistent, the amount of the ticket is issued, and Whether the ticket date, the payee element, etc. have been altered, whether the check has exceeded the reminder payment period, and whether the check is overdrawn. If there is an endorsement, the endorsement signature is consistent. It is worth noting that the capital amount is equal to the yuan, and the score cannot be In the note. For cash checks, the accounting bookkeeper will review the documents and send them to the accounting reviewer. After the accounting reviewer confirms that they are correct, they will pass the payment. The cashier will stamp the cash payment and the payee will receive the cash at the cashier. . The review content of the transfer check is the same as that of the cash check. In the processing, it is reviewed and recorded by the accounting bookkeeper, and the accounting reviewer reviews it.

2. Savings business department

The savings department currently implements the teller responsibility system, that is, each teller can handle all the savings business, that is, opening an account, accessing cash, handling savings cards, etc. The certificate is not intended to be passed between the accountants in the public business department, but Each teller performs separate accounting processing and billing. However, the documents made by each teller shall be submitted to the responsible person in the relevant department for review first, and then passed to the superior bank for “post-mortem audit”. 3. Credit business unit

Due to the current situation, SMEs are difficult to raise funds. Although the central bank has repeatedly introduced plans to encourage banks to lend to SMEs, there are strict controls within each bank. The same is true of Haxing. Therefore, the bank is currently investing in the field of personal loans. It should be noted that the bank's personal loan business does not directly lend money to individuals, but a certain agreement with the merchant. In fact, the loan is given to the merchant, and then the merchant sells the merchandise to the individual, and the individual repays the loan to the bank. . When the bank signs an agreement with the merchant, it checks whether the business's documents are complete. Individuals are required to provide relevant proof of income, proof of identity, etc. to the bank. Generally, the subject matter of the purchase is used as a collateral. The most common ones are movable property mortgages and real estate mortgages. The credit department implements a separate system for the examination and approval of loans. It is the development of loan customers and the specific issuance of loans. The staff who review the possibility of loans are doing their part.

Second, the internship experience and experience

My main job is at the lowest level of the personal business department, the business hall. Throughout the internship, I learned about the savings counter and the business of the public counter including personal and unit account opening, account specifications, and wealth management consulting. At the same time, I also got a deeper understanding of the personal finance department, the loan department, the human resources department's work content and related business processes. After more than two months of hard work and practical training, I have been able to open all accounts for the public and savings accounts. Basic operations of the process business, mastering part of the account specification business, answering customer consultation and other aspects of consulting. Secondly, the internship life greatly expanded my knowledge of economics. It can be said that the most contacted in the sales department is economics. The most touching is how the economy affects people's lifestyles and status.

Finally, I want to talk about the experience of the internship. First, I think that a big difference between a school and a unit is that it must have a strong sense of responsibility after entering the society. In the workplace, we must have a strong sense of responsibility, be responsible for our own positions, and be responsible for ourselves. Responsible for the business. Secondly, I feel that everyone must adhere to their professional ethics and work hard to improve their professionalism after work. The so-called line must understand the rules of the line. Third, the bank is now similar to the service. Industry, so the staff's work attitude and service awareness are particularly important. For example, treat customers with honorifics; when communicating with customers, they must stand up and pick up their hands; answer patient questions with patience, etc. This makes me realize that in real What is required in the work is our rigorous and meticulous work attitude, so that we can develop in our own positions. After the actual work, the academic qualifications do not appear to be the most important, mainly depends on the individual's business ability and communication ability. Any Work, who has done it for a long time, will do it. In practical work, hands-on ability and interpersonal communication are more important.

Part 2: Construction Bank Internship Report

I am a ***, from June to October 20th to July 1st internship at the China Construction Bank ** Branch Personal Loan Center. During this short period of time, the heads and staff of various departments have no Retained to teach me many years of work experience and business knowledge, so that I have gained valuable internship experience, I am deeply benefited, and will greatly help my future growth. I. Internship purpose

Posting internship is a process that our college students must experience and an important way to combine theory with practice. It allows us to understand society in practice and to consolidate knowledge in practice. Internship is also a test of our professional knowledge. It allows us to learn a lot of knowledge and skills that we can't learn at all in the classroom. We can broaden our horizons and grow our knowledge, and lay a solid foundation for us to go to the society. The first step of the post. This internship is mainly familiar with the basic operational procedures and loan products of loans in banks, entering bank practice, learning the bank's operating model, combining theory with actual combat, using theory to guide actual combat, and using actual combat testing theory. Through internships, get in touch with the society before graduation, get to know the company, and prepare for a better job in the future and better integrate into the society.

Second, the internship time

June 10th to July 1st, 20th

Third, the introduction of the internship unit

China Construction Bank is one of the four major state-owned banks and an important part of China's financial system. The head office is located in Beijing. In China, China Construction Bank's outlets are located in urban and rural areas, with strong financial strength and complete service functions. It is not only trusted by customers, but has become one of the largest banks in China. Overseas, CCB also won a good reputation through its own efforts and was named one of the Fortune 500 companies by Fortune. China Construction Bank Fuxin Branch has always supported the development of the new economy and played an extremely important role in the local economic construction. With a beautiful environment and rich financial products, we are dedicated to providing safe and fast services for all kinds of enterprises and towns and individual customers. A full range of quality financial services.

"China Construction Bank, building a modern life" is the enrichment of CCB's philosophy and pursuit. In the 21st century, CCB will seek a broader service area and development space with excellent performance and continuous innovation. Its business philosophy includes the following four points: 1. Business philosophy: market-oriented and customer-centric. 2. Service concept: customer first, pay attention

detail. 3. Risk concept: understanding the customer, understanding the market, full participation, and grasping the key. 4. Talent concept: Focus on comprehensive quality to highlight performance effectiveness. Fourth, the content and process of the internship

My internship at CCB is as follows:

The theoretical basics corresponding to the staff learning department and various bank related files

In the first few days of the internship, I mainly studied the theoretical basic knowledge and various bank related files with Zhao Shu of the Credit Department. On the one hand, we must learn new knowledge. On the other hand, we must also learn about the relevant files issued by the People’s Bank of China. Combine the publications of the Bank of China Financial News, Financial Research and other magazines to understand the direction and dynamics of bank reform. Bank innovation and progress are the basic conditions for competition with foreign banks. Therefore, from top to bottom, banks must establish a sense of competition and service. At the same time, through internship, we also understand the bank's business. CCB's business structure is more diversified. There are corporate business, personal business, treasury business, online banking business and credit business. My internship is mainly credit business, including many kinds of Loans, the basic operational procedures for learning these loans and where to pay attention.

Credit business

Due to the current situation, SMEs are difficult to raise funds. Although the central bank has repeatedly introduced plans to encourage banks to lend to SMEs, there are strict controls within each bank. The same is true for CCB. Therefore, the bank is currently investing in the field of personal loans. It should be noted that the bank's personal loan business does not directly lend money to individuals, but a certain agreement with the merchant. In fact, the loan is given to the merchant, and then the merchant sells the merchandise to the individual, and the individual repays the loan to the bank. . When the bank signs an agreement with the merchant, it checks whether the business's documents are complete. Individuals are required to provide relevant proof of income, proof of identity, etc. to the bank. Generally, the subject matter of the purchase is used as a collateral. The most common ones are movable property mortgages and real estate mortgages. The credit department implements a separate system for the examination and approval of loans. It is the development of loan customers and the specific issuance of loans. The staff who review the possibility of loans are doing their part.

Learn basic banking operations with integrated tellers

While learning all kinds of relevant banking knowledge, I also actively learn the basic business operations of the bank from the integrated tellers. Because the bank is now a teller system, I don't have the opportunity to do real-time operations, so what I can do is combine the skills of the training and the operation of the integrated teller, find the difference between the two, and record the different business types. Transaction code and analysis code and type of special business. But from the side of the study, I also learned a lot. When the bank proposes the principle of shifting from product innovation to customer-centricity, it is the biggest challenge and test for the salesman. The salesperson requires not only skilled business operations, but also how to communicate with customers, serve customers, service is better than management, and a good manager is a good service provider. At first, for the kind of newspaper, the life of a manager of a cup of tea changed radically. The newspaper is a means of understanding customers and understanding the bank. Tea is for the customer. “Building a learning organization and striving to be a learning employee” The spirit of diligent learning of each employee has led to the extensive development of banking business. Through contact with the salesman, I also learned about the bank's operational processes and savings business. The savings business implements the teller responsibility system, that is, each teller can handle all the savings business, that is, open an account, access cash, report loss, unhook, exchange of large and small banknotes, accept intermediate business and foreign exchange business, and understand the matter. The significance of supervision and ex post supervision.

Personal loan center

I have practiced loan acceptance investigation posts, information entry posts, signing posts, audit posts, etc. in the personal loan center. The personal loan center accepts the investigation post to assist the customer to fill out the complete personal housing loan interview record, loan contract, mortgage guarantee commitment, Hancheng real estate mortgage contract, and arrange the salary card, household registration, marriage certificate, income certificate, etc. If the original and photocopying materials belong to individual industrial and commercial households, they must issue a business license, a tax payment receipt within one year, a cash flow certificate for common accounts, a financial statement, etc., which can prove the repayment ability, verify the authenticity of the loan information, Integrity, accuracy, validity, etc., through interviews, on-site investigations, etc., check the repayment ability, the authenticity of the purchase and sale behavior, and the loan guarantee. Check the personal quota record and print the quota in the PBOX information system. Reports and more. According to the sum of the loan period and age, the male may not exceed 65 years old and the female may not exceed 60 years old. The proof of income and the monthly repayment amount shall not exceed 50% of the income, calculate the monthly repayment amount, and let the relevant personnel of the customer sign the signature according to the fingerprint. Chapter, after the information is completely organized, the customer information, housing information, repayment plan and other relevant information will be recorded into the personal housing loan system. After review, it will be reported to the Weinan Branch. If approved, the loan contract will be signed and sealed. And apply for mortgage registration. In addition, the personal housing loan center also handles the application for the quota card. I will also assist the customer to fill in the true and complete information, sign the fingerprint, enter the customer information in the system and so on. V. Internship experience

Through a month-long practice, I learned a lot of things that I couldn't learn in class, gained valuable practical experience, and exercised my ability to learn, hands-on, and communicative skills, and understood what I would do in my future work. The required abilities and attitudes allow you to focus on cultivating your own abilities in this area in the next two years, laying the groundwork for a good job and building a good foundation for greater talent.

In practice, I understand that responsibility must be strong. As the saying goes, everything has gone from small to big, the bank was officially working at 8 o'clock, but I found that all employees have strong sense of responsibility, and they are dedicated and dedicated. They arrive at 7.30 early, often work overtime until 9 o'clock in the evening, or even weekends. rest. For any business, the attitude is very serious, and the required information is often checked several times. The information provided by the enterprise will also be carefully studied. If abnormal information is found, it will be seriously investigated by the enterprise, instead of being perfunctory and confusing. . This made me see my own negative side. The tasks that were sometimes arranged were not completed with care. This made me understand that even if I work later, a serious work attitude is also necessary.

In any work, teamwork is always the most important! Although every day is the job of each other, but each business is completed by the team members of the entire department, and what problems are encountered, mutual research and discussion, and mutual solutions The problem, this makes me understand that the power of a group of people is always greater than the strength of one person. Otherwise, some things will be encountered during the operation of the system. If not discussed together, any task will be more time consuming and cause inefficiency. Moreover, after completing their tasks, everyone will consciously help colleagues to complete other people's work, create a good environment, and let me learn how to communicate with you, and understand some details that should be paid attention to in communicating with colleagues. In the marketing of customers, the conversation with the leaders, and the coordination with the customers have greatly improved their communication skills.

As the saying goes, "There is less hate when the book is used." Although he has studied financial statement analysis, calculation and meaning of various ratios in the classroom, but when Zhao Shushu tested me, his memory was vague and he was greatly surprised. Therefore, I am determined to go back to school and I will study hard and earnestly, so that I can work freely in my future work, lay a solid theoretical foundation for myself, and connect with the reality, and persist in exercising my practical ability and learning. Use it to become a truly useful person.

Nowadays, college students are more or less proud and have low eyesight. I am no exception. However, in practice, I discovered that if the books learned in the university are not used in actual work, they cannot exert the power of knowledge. The knowledge base does not explain the ability of people with lower academic qualifications. A lot higher, a lot of work is practice makes perfect, we can hardly use our education as a proud capital, can only rely on knowledge as a basis, down-to-earth, one step at a time, humbly learn from the seniors, learn by accepting new things. Strong ability, in the continuous exploration and training, constantly discovering their own potential, and constantly improve their ability, will have a bright future, but can not be too high at the beginning, want to step into the sky, otherwise it will not only become impossible, but also Squander your youth.

Integrity is the wealth of a person's life. There is more information about the amount of personal contact that is exposed to the work, and it is slowly learned that a person has a good amount of wealth. With the continuous improvement of the national personal credit information system, banks can find a person's quota record with a single click. In the internship stage, there are certain requirements for personal housing loans, consumer loans, legal representatives as business representatives, business operations, etc. Once the customer is blacklisted, such as using the credit card to cash out, overdue payment, etc. Violation of the rules, all business will be blocked, in order to make people shine, all the way, we have to be honest in higher education, not only in the business of the bank, but also in life.

Part 3: Bank Trial Internship Report

Time flies, time is like a shuttle, the six-month trial period is coming to an end! From the work on August 13 last year, every day has been very fulfilling, I am familiar with the stranger from the beginning, the process, the leadership and colleagues I have given me a lot of support and encouragement, and their trust and teaching have made me progress.

For a job seeker who graduates from finance, it is both an opportunity and a challenge for me to work in the Postal Savings Bank. In the few days when I first entered the Postal Savings Bank, knowing my colleagues here and being familiar with the working environment here is the first problem that I need to solve. In a very short time, I already knew everyone and gradually became familiar with everything here... In order to familiarize with the various business and basic knowledge of the Postal Savings Bank, I have seen many such as counters, credit, auditing, accounting standards, Business books in finance, etc., when I come into contact with some less familiar terms and subjects, I will find relevant explanations on the Internet. If I don’t understand, I will consult my colleagues and everyone will give me annoyed. Explain, and find ways to let me touch more knowledge that I am not familiar with.

In the days when the counter was actually operated, from the beginning of the tension and oysters to the current calm and proficiency, although I have my own efforts, more is inseparable from the encouragement and support of my colleagues, in my doing When I was good, they gave me a certainty. When I made a mistake, I didn’t have any scolding. I was more understanding and teaching. They used the identity of the people to teach me personal experience. How can such a good colleague not let me? Do you work harder?

With business knowledge is not enough, but also have a good business ethos and ethics, through the study of professional ethics readers and the regular rectification of the case prevention and control carried out by the Postal Savings Bank and the spirit of the meeting, I know as a staff of the Postal Savings Bank. It must stand the test and stand the temptation to achieve lotus-like purity, smile service, and civility, and earnestly "first to foreign customers and first to internal employees."

In the case that my colleagues need it, I will do my best to provide convenience for everyone. Every day, I will go to work on time. When I return to the store, I will do all kinds of preparations before starting business, such as boiling water, turning on a computer or Cleaning before work... Although this is not a big deal, it’s just my hand, but I think it’s such a good and harmonious office atmosphere that I can do my best in a peaceful environment.

Due to the attention and trust of the leaders, I am currently working on a public business and wealth management business account manager. With the formation of the diversified competition pattern of the banking system and the improvement of the function of the capital market, the competition for quality customers has become the focus of competition in the industry. At the same time, the increasingly diversified, integrated and personalized customer needs have created opportunities for the banking industry. Another challenge was raised. To cope with fierce competition, to provide customers with a higher level, all-round service, and to improve their own efficiency, it is necessary to establish a marketing team with a quick response, high comprehensive quality and strong sense of service---the customer manager team. But as an account manager, do I have a strong sense of business and service, and it takes a while to learn and exercise. I feel that if you really want to be a financial account manager, you have to do the following:

First, the account manager must have the right elements. Have a high sense of responsibility, good professional ethics and strong professionalism. Have a strong sense of responsibility and dedication, and meet the customer's services or requirements while taking into account the interests of the bank. Strictly keep the secrets of banks and customers. Should have a high level of business and policy standards. Familiar with and understand financial policies, legal knowledge, and financial products. Through on-the-job training, rotation training, and internal training, we will continue to enhance business ethics to meet the needs of business development. Be smart, be good at analyzing and discovering problems. Have certain marketing skills and analysis and planning skills. Passionate, cheerful, and have strong research and coordination skills. Good at expressing their own opinions and opinions, maintaining a good working relationship with the bank management and business layer, and strong teamwork spirit. Strong tolerance and courage to overcome difficulties. Can do a lot of hard work, go thousands of households.

Second, the account manager should be good at grasping market information and meeting customer needs in a timely manner. As a client manager, we must have a clear mind, a sensitive sense of smell, timely capture various economic information, and constantly analyze, research, timely find problems, feedback information, and promote the healthy development of banking business. It is necessary to pay attention to the research and development market, understand the national industry, industry, product policies, local government economic development dynamics through network and media, analyze the customer's marketing environment, and investigate customers and understand customers under the premise of grasping the objective environment. The law of fund operation, timely determine the marketing plan, and consolidate the bank's financial strength. Keep abreast of the business transactions between various commercial banks and their customers, and at the same time, adhere to the customer-centered, clear customer status and development plan, the number of customers in our business, quality, revenue, potential, demand In other cases, target customers and establish a good relationship.

Finally, the account manager should do a good job in customer marketing and customer maintenance. As the “ambassador” who is the plenipotentiary bank to contact the customer, the account manager should actively and frequently keep in touch with the customer, discover the customer's needs, guide the customer's needs, and provide timely satisfaction to provide customers with “one-stop” service. For existing customers, account managers should maintain regular contact with them, while potential customers should actively develop. The purpose of development is mainly to market products and strive to achieve "win-win". According to the bank's operating principles, business plans and job requirements for account managers, through the in-depth study of the market, put forward their marketing direction, work goals and work plans. In short, I believe that to be a qualified account manager, we should focus on risk prevention, always carry out the concept of customer-centered and create our own brand to cultivate our loyal customers and establish our own image of the postal bank. Make the postal bank's own brand, and ultimately achieve our maximum profit.

For a newcomer like me who has not been out of college for a long time, I still have a lot of problems in my work, including working methods and communication with people. During this time, I have already There has been considerable progress in these areas, and my psychological state has completely changed from a student status to a social person. I think that the reason why I can complete this conversion relatively quickly is inseparable from the good working environment of our Qiongzhong Postal Savings Bank. In such a harmonious atmosphere, what other reasons do I have not obtained here? Progress and improvement?

Summarizing the days of these five months, I think that I have made great progress and learned a lot, although I have made a lot of mistakes. I sincerely thank the leaders of Qiongzhong Postal Savings Bank for their care and the teachings of individual colleagues. The end of the probation period is not really over, but a new beginning. It is a more severe test for me. I will redouble my efforts and use youth. Sweat to irrigate the thriving tree of the Postal Bank!