[Boutique] Bank Internship Report Fan Wen

This article directory 1 Bank Internship Report Fan Wen 2 Bank Internship Report Fan Wen 3 Bank Internship Report Fan Wen Part 1: Bank Internship Report Fan Wen

In an instant, the internship at CCB has ended. During the internship, I was mainly engaged in the management of pos merchants and the development of credit card business. During the one-month internship, after training and practical training, I was familiar with the basic knowledge of pos merchant management and learned about the development process of credit card business. The work is summarized as follows.

Pos the basics of merchants

In the internship process, in order to better understand the management knowledge of the pos merchants, I first found relevant experience from the collation of the merchant data. After a few days of business file organization, I basically understand the basic process of the POS machine business.

About the management of special merchants. If the merchant needs to apply for the POS machine of CCB, according to the regulations of the People's Bank of China and the China Banking Regulatory Commission to further increase the management of the credit card, and create a good card environment, the merchant applying for the installation of the POS machine must open a public account, if applying at CCB To open a public account, you need to prepare the following materials: business license, organization code certificate, tax registration certificate, account opening permit, letter of introduction, copy of legal representative's ID card or copy of client's ID card. After submitting these procedures, It is necessary to issue the company's online official seal, determine the deduction rate according to the regulations of the People's Bank of China and the China Banking Regulatory Commission, sign the contract, follow-up staff will do identity verification and credit reporting, and then go to the door to install the pos machine, and conduct on-site training, testing and photographing. Therefore, a complete set of merchant information includes: main agreement, supplementary agreement, business license, organization code certificate, tax registration certificate, account opening permit, introduction letter, copy of legal representative's ID card or copy of client ID card, identity verification, Credit reports, return visits, training records and photos.

One of my jobs is to organize the business files more systematically, and at the same time, to check whether the business information is complete. If not, the information should be further supplemented. It is also in the process of further replenishment, although it is very tired, but it has learned a lot of business management knowledge, but also understand the basic use of pos machine.

About the operation of the pos machine. In the process of supplementing the merchant's data, some problems raised by the merchants are often encountered. After communication and further practice with the relevant staff, the use of the pos machine has been basically mastered. As the POS machine is upgraded now, the new system is faster and more stable than the old system. In the new Wilford 510 model, you need to sign in twice after booting, the first time the system is booted, the second time is connected to the network, after the network connection, swipe the card, and enter the amount and password. After about 1~3 seconds, the pos opportunity to automatically print the document, indicating that the transaction was successful. It is necessary to pay attention to the fact that the cardholder must sign the document on his own. The special merchant has the responsibility and obligation to cooperate with the CCB staff to make irregular order work. The new system has more powerful functions than the old system. If the transaction needs to be revoked, press the 5th button to cancel. You need to swipe the card again. Press the green confirmation button. After printing the document, the transaction will be cancelled. If you need to make a transaction inquiry. , there is a query function in the 9 management, but there is a performance that is not very satisfactory. If the cumulative number of consumption exceeds 200, the machine will be in a state of embarrassment due to excessive storage of data. This should be specifically emphasized during the training, reminding the special merchants to carry out the settlement work every day.

Basic knowledge of credit card business

In order to enhance the combat effectiveness of the newly established credit card center, let our newly recruited employees become familiar with the work business as soon as possible. The city branch specially sent us to the Chengdu Credit Card Center for relevant training. During the three-day training, we mainly studied the basic knowledge of credit cards, distribution skills and marketing terminology, and the basic process of staging business. At the same time, we followed the experienced and experienced colleagues to conduct simulated and practical drills. Through this training, I am familiar with the basic knowledge of credit cards and have a better understanding of the phased business.

Credit card business. In the training in Chengdu, we mainly learned the basic knowledge of credit cards, including what is a credit card, and the status of the issuance of CCB. It is not difficult to see through learning that the credit card business, as a derivative of bank credit, does have its value and meets the many needs of cardholders. This way of providing small loans with credit as a guarantee has a great role in promoting consumption. Of course, this process is closely related to risks, so the awareness of avoiding risks cannot be relaxed. As the core course of training, the introduction of the Dragon Card is of course a top priority. Nowadays, various policies to stimulate consumption have been introduced, especially in the automotive industry. Nowadays, the ownership of private cars is getting higher and higher, and the accompanying car services are also diversified, including gas stations, car washes, insurance, etc. , are improving and improving. It is in this context that car cards came into being. The car card is positioned on the basis of providing high quality and convenient service for the car owners. For the car card, you can enjoy the following five major benefits: free car wash, car insurance insurance discount, point oil change, road rescue and special car rental. The so-called free car wash is that the cardholder can go to the special merchants around the Mianyang to sign a contract with the CCB to wash the car for free, once a week; the oil change is 2019, the car card does not consume one yuan a minute, the points are permanently accumulated The points are up to 50,000, and the corresponding oil is exchanged at an integral multiple of 10,000 points. The insurance insurance discount refers to buying insurance through the car card, and you can enjoy the discount. The road rescue is if the cardholder’s car fails. You can call the service hotline to enjoy the national roadside rescue service for free. The preferential car rental means that if the cardholder needs to rent a car in a different place, he can call the service hotline to enjoy the car rental price concession. Free of guarantee and no deposit. This is the basic service of the CCB Longka car card.

Staging business. At present, the phased business of Mianyang Branch is only for car purchase and home improvement. The so-called Longka credit card consumer installment payment means that the cardholder uses the Longka credit card. When purchasing a car or installing it, the user can choose to divide the total amount of goods or services into a number of periods. After the successful pos transaction of the Longka credit card installment payment function is completed by CCB, The cardholder will waive or pay the corresponding handling fee and repay the business on a monthly basis within the agreed time limit. CCB will increase the credit line according to the cardholder's economic situation. Generally, it will be calculated according to the cardholder's credit limit four times, up to 200,000. The cardholder's installment payment period is the shortest of six, the longest is 12 During the period, CCB will respond to different installment payment terms, charge a certain fee but not pay interest. The biggest advantage of the installment business is that there is no guarantee, no mortgage, just need to increase its credit limit to meet the requirements. .

Of course, in the process of internship, more is spent in the process of handling credit cards. In the meantime, we have been to car wash points, vehicle management offices and parking lots, as long as we can think of places where cars are concentrated, we will have our publicity. In the contact process of the special merchants, we also deeply understand the difficulties and happiness of the customer service. Although the whole process is painstaking, the knowledge gained in the whole process is greatly benefited. I believe that the experience of this internship will greatly enhance my professionalism and enhance my social experience. Let yourself be better, as soon as possible, and smoothly complete the transformation from college students to professional people.

Part 2: Bank Internship Report Model

According to the school's graduation internship requirements, I conducted an 8-week graduation internship at the Ninghai County Branch of the Agricultural Bank of China from the end of February to the end of April. During the internship, with the help of the school and the unit's instructor, I Familiar with the main economic business activities of financial institutions, systematically learn and master the bank accounting practice work, the theoretical level and practical work ability have been exercised and improved. Now I will systematically summarize the specific situation and experience of graduation internship. .

First, the introduction of the internship unit

The Agricultural Bank of China 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, the Agricultural Bank of China has a network of urban and rural areas, with strong financial strength and complete service functions, which are not only trusted by customers. It has become one of the largest banks in China. Overseas, the Agricultural Bank has also won a good reputation through its own efforts. It has been rated as one of the world's top 500 companies by Fortune. The Agricultural Bank of China Ninghai County Branch is the Ninghai Branch. A business outlet directly under the county branch has always supported the development of Ninghai's 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 various enterprises and towns and individual customers. Safe, fast and comprehensive quality financial services.

Internship process

The purpose of this internship is to master the basic skills of banking business through internships in the Agricultural Bank, familiar with the operational procedures and working systems of the daily business of the bank, etc. The internship process mainly includes the following stages:

Understand the basic situation and institutional settings of the internship unit, staffing, etc.

Learning the basic business processes and transaction codes of the bank, mainly including the following aspects: basic skills training for banking, such as counting money, abacus, five-stroke input, bundling, etc.; bank savings business, such as demand deposits, whole deposits and acquisitions, Live two-person; bank's business, such as accepting cash checks, issuing bank drafts, etc.; bank credit card business, such as credit card account opening, account cancellation, cash access, etc.

Understand the bank accounting method, subject setting and account setting, the determination of the accounting method, etc. The difference and comparison of bank accounting account and enterprise similarities and differences.

Summarize the internship and complete the internship manual and internship report.

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Third, the internship content

Before I officially studied banking, I first learned the basic skills necessary for banking work under the guidance of an internship instructor, including counting money, binding money, abacus, five-stroke input method, numeric keypad usage, etc. This seems to me. One of the next Mawei, this is from the simplicity of the banking business, but did not find that I have so many basic skills will not operate. Looking at colleagues skilled banknotes, I really admire and envy, and I can only be awkward from a For the abacus, at first I have been unable to understand why I don't need a calculator. Isn't it more convenient? Later I learned slowly that the bank tellers often need to check the cash to see if they can match the accounts, and there are many kinds of RMB. Rolling up, you need to accumulate when counting money. At this time, using the abacus is more convenient than the calculator, because the result displayed by the calculator will disappear after a certain time.

After a week of hard work, although I still can't master the basic skills of the bank, I have mastered the skills. The so-called practice makes perfect, mainly relying on logistics and practice. So, the internship teacher will let me learn. Savings business. The savings business of the branch office is implemented by the teller responsibility system, that is, each teller can handle all the savings business, that is, opening an account, accessing cash, reporting loss, unwinding, large and small banknote exchange, and accepting intermediate business. For each business, I have studied the transaction code and operation process of the ABIS system. The business can be divided into two types: single-folding subsystem and credit card system. In addition, I also learned the ABIS rolling and the middle of the business. Business rolling, learning how to print running water, accounting report form, important blank certificate sales number table, important blank voucher detail checklist, review whether the voucher number is continuous, whether the amount is accurate, whether the voucher elements are complete, etc.

Internship at the bank, it is indispensable to study the reconciliation between the tellers every day when handing over the work. In addition to checking whether the cash accounts are consistent, it is also necessary to check whether the important blank voucher is missing, whether the voucher is continuous, etc. Inter-reconciliation is also very programmatic, generally check the cash first, and then count the important blank voucher such as passbook, bank card, deposit slip, etc.

After a period of study and memorizing the transaction code and operation process of the savings business, I began to study the accounting business of the bank, that is, the business for the enterprise. The accounting of the accounting department of the public business is mainly divided into three steps, accounting, Review and cashier.

The bill business of the Chengguan Branch Office 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, by means of a computer. Inspection, or manual verification; see whether the capitalization amount is consistent, the amount of the ticket, the date of the ticket, the element of the payee, etc., whether the check has exceeded the reminder payment period, whether the check is overdrawn, and if there is an endorsement, endorsement Whether the signature of the person 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 account reviewer, accounting review. After the member confirms that it is correct, the pass is given, and the cashier pays the stamp by the cashier. The payee can receive the cash at the cashier. The review of the transfer check is the same as the cash check, and the processing is reviewed by the accounting accountant. Accounting, accounting reviewer review.

Fourth, the internship harvest and experience

In addition to letting me know a little about the basic business of the Agricultural Bank and doing basic operations, I feel that I have gained a lot in other areas. As a person who has lived on a simple university campus, This graduation internship has undoubtedly become a platform before I stepped into the society, laying the foundation for me to enter the society in the future.

First of all, I think that a big difference between the school and the unit is that we 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 their own positions, and handle it for themselves. The business is responsible. If the work that should be completed on the day is not completed, the staff must work overtime; if it is accidentally made the wrong money and cannot be recovered, it must be compensated by the manager.

Secondly, I feel that everyone must adhere to their professional ethics and work hard to improve their professionalism after work. It is said that they must understand the rules of a line when doing a line. At this point, I have a deep understanding from the internship unit colleagues. Some businesses need ID documents. Although the customers may be people they know, they will also ask the other party to show their documents. When the other party has a whisper, they always patiently explain why they must do so. Now the bank has Similar to the service industry, the work attitude of the staff is particularly important. I have personal experience. At the end of my internship, the basic business process is almost the same, so I am instructor to let me work when I am free. .

Unexpectedly, seemingly simple business processing, when there is really a job, there are so many details to pay attention to, such as: attitude toward customers, the first is to use honorific words, such as hello, please sign, please go slowly; secondly with customers When you pass the information, you must stand up and pick up your hands. Finally, some questions and consultations for the customer must be patiently answered. This makes me realize that what we are asking for in real work is our rigorous and meticulous work attitude so that we can There has been development in the post.

Finally, I feel that after the actual work, the academic qualifications do not seem to be the most important. The main thing is the personal business ability and communication ability. Any work, whoever does it for a long time, will do it. In actual work, the ability is more practical. important.

Therefore, 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 deal with basic practices and comparative system expertise. This is the real purpose of our internship.

Part 3: Bank Internship Report Fan Wen

After several months of internship, I deeply realized that as a guide for the lobby, I should not only be familiar with business knowledge and financial products, but also strengthen my professional ethics and stick to my professional ethics. Usually at work, the lobby manager is a person who comes into contact with the customer. Therefore, his words and deeds are paid attention to by the customers. This requires him to have a high overall quality in order to better display the strength and image of the bank. . Since many customers are directly consulting with relevant documents, they often need the lobby manager to help guide the operation of the ATM. These involve the customer's immediate interests and resolutely adhere to the principle of “secure for customers” and become the manager of each lobby. The most basic quality, the most basic professional ethics. As a guide for the lobby, you must have a keen insight to be able to find the customer's needs and difficulties in a timely manner and to help. Customers are God. We must provide timely, complete, thoughtful and enthusiastic service to every customer. But we do not provide the same service to all customers. We must first quickly judge the needs of customers and then provide differentiated services. Banks and general enterprises are seeking to maximize profits, and lobby managers are the bond between customers and banks. Therefore, it is necessary to specifically explore gold customers and find ways to retain them so that the real role of the lobby manager can be realized. At the same time, the lobby manager must promptly discover the customer's problems, accumulate and analyze, provide constructive suggestions for the bank, continuously improve the bank's service and management level, improve the bank's performance, and provide a comfortable environment for employees and customers.

I am studying finance at the university. This is a very good profession. In fact, it is not very good. Nowadays, it is difficult for college students all over the country to find a job. Even if the profession is good, the work is still difficult to find. I am fully aware of this problem. I don't want to be unemployed after graduation. So when I was in college, I tried to go out for an internship. During my time at school, I improved my ability to work at a level where I can graduate directly after graduation. Go slowly into society. Finally found an internship place, and is an internship at China Construction Bank.

In a blink of an eye, the six-month internship is coming to an end. First of all, I would like to thank the branch for giving me this opportunity to let me enter this group. Thanks to my school for providing me with such a good CCB, I have this valuable internship opportunity. The six-month internship during the construction period is my step out of the school and stepping into the society. This stage is an important transition from the student to the workplace. It is very helpful for me and will be a job for me in the future. Heroes have a solid foundation.

Although the internship is bitter and tired, it doesn't matter. It is important that I have a certain gain through the internship. Internship familiarizes me with the basic processes and business operations of the bank, understands what is work, what is the job, what kind of work is right for myself, and how to deal with complex and subtle social relationships. Through the internship, I have fully understood myself once and designed, supplemented and adjusted my career. My feeling is: in school, I am studying theoretical knowledge; in the bank, every employee of the branch is my master. I want to learn the work experience of the masters with humility, combine the knowledge I have learned with the internship, find more, analyze more, compare more, think more, sum up more, ask more, and give full play to my subjective initiative and work enthusiasm.

My internship position is the storage guide in the lobby. I really didn't feel comfortable adapting when I stood down in the first few days. Not only did I have a backache, but I also didn't know the customer's consultation questions. I feel that this lobby storage is very unqualified, not only for the business. Very unfamiliar, and some dissatisfaction with the customer seems to be at a loss. Through this month's exercise, I feel that there has been a great improvement in these aspects. The customer's consultation can basically answer, and can properly appease the customer and do their own work. The internship time is limited, although it is only a few months, but I feel that my gain is still very big. Here, I would like to thank my masters. When I ask them about any problems I don’t understand in business, they will help me to answer them, which will greatly improve my familiarity with the banking business. The transition, I deeply integrated into the corporate culture of the branch, integrated into this collective. In the future work, I will redouble my efforts and do my job better. I am going to work soon, and this month's internship will be a very important process in my career. Finally, I would like to thank the leaders of the branch for their attention and concern, as well as the careful guidance of the masters. Realizing the transformation of roles as soon as possible is a top priority for a college graduate who has just stepped into society. For college graduates, it is not realistic to do a great career from the beginning, but must start from the smallest work, and even repeat the "small" over and over again. This not only requires us to change from action, but also accepts and changes psychologically and ideologically. We must fully realize that greatness is accumulated from ordinary people. As the book says, success is a cumulative effort. An ordinary person is a kind of person who has no high expectations but lives very seriously. First of all, the attitude is optimistic, and regards life as a kind of experience in constant struggle. It can withstand the ups and downs of life and be able to treat everything with tolerance and compassion. Always do complex things simple, simple things to do, repeat things to do happy, happy things to do. If you want to be great, you don't necessarily achieve brilliant achievements, because it is a more decisive factor that makes you more ordinary than ordinary people. After recognizing this, the role change is no longer a problem.

After several months of internship, I deeply realized that as a guide for the lobby, I should not only be familiar with business knowledge and financial products, but also strengthen my professional ethics and stick to my professional ethics. Usually at work, the lobby manager is a person who comes into contact with the customer. Therefore, his words and deeds are paid attention to by the customers. This requires him to have a high overall quality in order to better display the strength and image of the bank. . Since many customers are directly consulting with relevant documents, they often need the lobby manager to help guide the operation of the ATM. These involve the customer's immediate interests and resolutely adhere to the principle of “secure for customers” and become the manager of each lobby. The most basic quality, the most basic professional ethics. As a guide for the lobby, you must have a keen insight to be able to find the customer's needs and difficulties in a timely manner and to help. Customers are God. We must provide timely, complete, thoughtful and enthusiastic service to every customer. But we do not provide the same service to all customers. We must first quickly judge the needs of customers and then provide differentiated services. Banks and general enterprises are seeking to maximize profits, and lobby managers are the bond between customers and banks. Therefore, it is necessary to specifically explore gold customers and find ways to retain them so that the real role of the lobby manager can be realized. At the same time, the lobby manager must promptly discover the customer's problems, accumulate and analyze, provide constructive suggestions for the bank, continuously improve the bank's service and management level, improve the bank's performance, and provide a comfortable environment for employees and customers!

Through this internship, let me see my distance in society and the gaps and shortcomings of my existence. Internships are infinitely magnified, sometimes making me embarrassed. However, it is precisely because of the emergence of so many problems that I fully realize my problems. In the future study life, I will actively try to correct myself. Society is really a melting pot. It can completely change your life. I feel that I have no childishness that I am already on campus. I am beginning to become mature and stable. This is my change. I am very happy with my change. .

I believe that after I work in the future, this internship will have a huge impact on me. I will remember this internship for the rest of my life. I will use this internship as a medium to lay a good foundation for my future success. I believe I can Do it.