[Boutique] Agricultural Bank Internship Report

This article directory 1 Agricultural Bank Internship Report 2 Agricultural Bank Internship Report 3 Agricultural Bank Internship Report Part 1: Agricultural Bank Internship Report

I. Introduction to 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 Peng'an County Branch is in the local economic construction. It plays an extremely important role, providing a safe and fast all-round high-quality financial service for all kinds of enterprises, institutions and individual customers in a beautiful environment and rich financial products. The Agricultural Bank of China implements the general branch system and is a first-class legal person. The head office is the center of business decision-making, risk control, internal supervision, financial accounting and human resource management. The branch office of the general level is a non-independent accounting unit, and carries out its operation and management activities within the scope authorized by the head office, and is responsible to the head office. The Agricultural Bank of China vigorously implements the strategy of forcing talents and strives to explore the establishment of a human resources incentive and restraint mechanism that meets the requirements of modern commercial banks. We attach great importance to the recruitment, training, selection and application of talents, and continuously improve the scientific, institutionalized and standardized level of human resources management.

In XX, the talent training project was officially launched, and the five-year plan for talent training projects was formulated. The “three teams” were built and the “five types of talents” were cultivated as the focus of the team of all-inclusive talents. Efforts will be made to build a system of all-member learning, whole-process learning, lifelong learning, and management systems to continuously improve the overall quality and structure of employees and to build a learning bank. Attach great importance to employee training and continuously improve the overall quality of employees. On the basis of organizing all-staff training, we will focus on the training of middle and senior management talents and professional and technical personnel training, comprehensively complete the core curriculum training of senior management personnel, carefully organize senior management personnel to go abroad for training, and enrich training methods through various channels to improve The quality of training and the progress of the network of remote training have made substantial progress.

Second, internship experience and experience

During the period from 7.11 to 7.26, I had the opportunity to enter the Pengan County branch of the Agricultural Bank of China through an interview. Although the internship was not long, I learned a lot in this precious time, enriched and practiced the theoretical knowledge of the university, and also deep. Feeling the lack of knowledge, I have identified my belief in active learning. At work, the change of work attitude is an important life wealth I have learned. "Technical level can only make you reach a certain level, and the attitude of being accidental and responsible for work is the real magic weapon to enhance you." This one gave me the first lesson of internship. During the internship, I learned with humility, worked hard, and completed my tasks seriously, and established a good relationship with my colleagues, which was unanimously recognized by the employees in the industry. During the internship, I studied the various cases of ABC reform and discovered the problems in the reform, combined with the study of this major.

Learn the theoretical knowledge and various files with the director

In the first few days of the internship, I mainly studied with the director. On the one hand, I had to learn related practical operations. Among them, accounting accounted for the majority, both to strengthen existing knowledge and to learn new knowledge. On the other hand, To learn about the relevant files issued by the People's Bank of China. Combine the publications of ABC Financial News, Financial Research and other magazines to understand the direction and dynamics of bank reform. This year is a crucial moment for the reform of the four major commercial banks. There are many bank reform initiatives. What factors have caused policy changes? In practice, the Agricultural Bank has reformed the existing system. From 9.1, the Agricultural Bank of China will begin to use the ABC comprehensive application system. . In terms of business operations, strengthen the management of bill settlement. Starting from 7.1, the new version of bills and settlement vouchers will be activated. What are the requirements for bill users compared with the old version? What changes have been made to the corresponding regulations? In financial dynamics, analysis of financial remarks Concerned about the reform of the RMB exchange rate - since July 21, XX, China has begun to implement a managed floating exchange rate system based on market supply and demand with reference to a basket of currencies. The RMB exchange rate is no longer pegged to a single US dollar, resulting in a more flexible RMB exchange rate mechanism. Share-trading reform. Especially for Wu Jinglian's five views on the stock market - China's stock market is black; the government is holding the market, the state-owned enterprises are squandering the country and the people; the Chinese stock market is a bubble; the Chinese stock market is determined by the government, and the policy is unpredictable; the thousand points should not be trusted, and the shareholders of the tradable shares should be compensated. Unfair argument. In terms of product management, commercial banks are trying to carry out mixed operation step by step - the bank card, the bank fund number is issued. In terms of credit management, attention to changes around the company, mergers and acquisitions of the company, and iron ore, crude oil, and rising labor cost prices all affect the quality of corporate credit.

In my studies, I deeply feel that learning is to improve, improve quality, and strengthen responsible attitude towards work. Every employee has the right and obligation to study! Because of the four major commercial banks, the reform of the Agricultural Bank of China started late, and there are problems. More - the asset-liability ratio is low and there are more bad debts. The asset preparation rate is also the lowest. Therefore, as an ABC employee, we should actively treat reforms, and in the reform, fulfill the responsibility of an employee with practical actions.

Learn with the salesman

While learning a variety of related knowledge, I also actively learn from the salesman. Because the bank is now a teller system, I don't have the opportunity to do it, but from the side of the study, I learned something other than work. 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. “Creating 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.

Learning with an account manager

The pros and cons of customer resources determine the profitability and competitiveness of a banking business structure. Implementing customer knowledge management can improve the development and utilization of customer resources. In the internship, I summarized the structure of customer knowledge management and continued to enrich it with theoretical knowledge and time.

Improve the relationship between banks and customers, expand business space, and develop profit sources. While serving customers, I understand and understand how ABC is using the scarcity of capital in the case of large assets but lack of capital. Using the least economic cost to get the most benefit is what every customer pursues. Capital pursues profits, which determines that capital can't be spared. Only by innovating financial products can save economic costs.

Third, the problems in the reform

Income distribution problem

At present, all banks have formulated a number of distribution mechanisms under the banner of reform, and whoever has the head office, provincial bank, city bank, county and district, is known as “performance appraisal” and “distribution hook”. The essence is to concentrate everyone's wages, redistribute them, and only pay seven or eight hundred yuan of living expenses per month, and then assign tasks from top to bottom, and the assigned task base always has projects that cannot be completed, so your salary is of course Even if your other projects are overfulfilled, the prizes are not deducted; or you have completed the task in full, and even the benefits have increased significantly from the previous year, but because your supervisor has not fully completed the task, you still If you don’t get the full salary, there will be jokes with Chinese characteristics that increase the profits of the grassroots and the wages are reduced. That is to say: no matter how the grassroots employees create value and create profits, you can’t approve the ones that belong to you. Those wages are taken away. So what is the cause of the above strange phenomenon? The essence is that the layers of "circle money"! That is, the hard work of the grassroots employees under the "circle" of the higher level management line is their own. So why should the superior behavior do this? The self-interest makes it happen! The corruption mechanism under the cover of the company name makes it possible! Imagine if every employee takes his salary, the superiors and management can take it more. In the case of g behavior, the annual salary of a city bank located in a backward province in the northwest can be 200,000 to 300,000, and the president can get 100,000 to 200,000; the provincial governor can take 500 to 800,000; The managers of the bank can get 100,000 to 200,000; the average staff of the provincial bank can get 60 to 80,000 yuan; the annual salary of the president and managers of the head office is not mentioned. The first-line staff at the first line only took 1 to 20,000 yuan. For this 1 to 20,000 yuan, you must also go to the outlets every day, push off work every night, and sacrifice weekend work, plus various deposits, funds, insurance, and various types of card marketing tasks. The total amount of wages approved by the Ministry of Finance is relatively fixed and growing year by year. Then the higher-level banks only deduct the wages of the grassroots employees and re-allocate them by means of performance appraisal. Those presidents and managers The high salary of the employees of the higher management team has only fallen, so that the high salary is still available to your relevant departments. In fact, performance appraisal is synonymous with the layer of exploiting employees, which is a fig leaf that legalizes the surface of a few people in the name of the company. This is why, when we hear that there are new reform measures, the grassroots employees will be miserable and will be smeared with a layer of oil, and the leaders will not help but cut more meat. You will know that the banking reforms in recent years, especially the reforms of the g-line, have brought employees apart from layoffs, diversions, buyouts, retreats, pay cuts, and heavier tasks and heavy psychological pressures. It is the psychological imbalance that the task is heavier, the responsibility is bigger, and the salary is lower and lower. The rewards for the governors and managers are doubled. How can the so-called reform workers support and how do the leaders dislike?

To change the above problems in solving the problems of banks and improve the profitability of banks, we must first solve the historical burden.

At the same time, the most important thing is to improve the management level. At present, in bank management, many decisions are actually scattered. The low-level decision-making may affect the quality of risk management. The level of China's banking industry is too low, which leads to the existence of mechanism corruption. 2/3 of non-performing loans are lower. Hierarchical branch lines are generated. At the same time, the people-oriented management idea has not yet been established, and a sound assessment mechanism and incentive mechanism have not been formed, so that the income distribution will affect the enthusiasm of employees within a certain period of time.

Fourth, contact with the profession

At present, the bank has changed from administrative management to management. Banks have developed and constructed the management system, indicating that the bank's informatization construction has expanded from an integrated business system to a management level management information system. The goal of informatization construction is from the original Improve the efficiency of business processing and transition to improve business decision-making and comprehensive management level, because ABC's own understanding of management started low, late. Therefore, there have been many management problems.

The essence of management informatization is to manage the process of informatization in the middle and deep levels of content, which inevitably involves process reform, involving the adjustment of the interests of the management subject and object, and thus the resistance is greater. Moreover, the Chinese banking industry is now only focusing on increasing the variety of services, how to improve the efficiency of business processing, and the shallower management of back-office management costs. Therefore, the establishment of a powerful bank back-office management information system including financial management and human resource management has become the main theme of reform in the next few years.

Organizations with similar functions are repeatedly set; the objectives between departments are different, which leads to the obstruction of the integration process; managers are not familiar with various business products, and business operations are blind. Therefore, it has been proposed to use the divisional system instead of the matrix system for flat management.

The vertical division of labor is fine, the management chain is long, the overall service efficiency is low, the horizontal departments are numerous, the functions are single, the overall service power is low, and the human resource allocation efficiency is low.

I believe that reform must have a strong reform team, establish an effective incentive and restraint mechanism, competition mechanism and salary assessment mechanism, which can mobilize people's enthusiasm. In the reform, we must pay attention to the principle of cost-effectiveness, and pay attention to the principle of combining rights and rights.

V. Summary

"There is a glimpse of the paper, and I know that it is going to be done." During the short internship, I deeply felt the superficiality of my knowledge and the lack of professional knowledge in practical use. During the time, I felt very sad that I felt that I couldn’t help but feel overwhelmed by some work. I always thought that I learned well in school. Once I came into contact with reality, I realized that I knew how little I knew. At this time, I really realized the meaning of "endless learning."

"A journey of a thousand miles begins with a single step." This short and substantial internship in the past two weeks, I think that it has played a bridge for me to go to society. The role of transition is an important experience in life and an important one. The steps will also be of great help to the future. To others humbly ask for advice, to abide by organizational discipline and unit rules and regulations, and to communicate with people and other basic principles of human life must be carefully implemented in real life, good habits must be continuously cultivated in real life.

There are bitter and sweet internships, and multiple thresholds on a flat avenue are a challenge and an opportunity. This threshold may be an obstacle or a ticket to another world.

When I finished the internship, when I looked back at the green wheat, when I saw the warm smile, I knew there was a lot to learn in the bank!

Part 2: Agricultural Bank Internship Report

According to the school graduation internship requirements, I conducted an 8-week graduation internship at the Chengguan Branch of the Agricultural Bank of China, Ninghai County Branch, from the end of February to the end of April 2006. During the internship, with the help of the school and the unit's instructor, I was familiar with the main economic activities of financial institutions, systematically studied and mastered the bank accounting practice, and the theoretical level and practical work ability were both improved and improved. The specific situation and experience of the graduation internship will now be systematically summarized.

I. Introduction to the internship unit

The Agricultural Bank of China is one of the four major state-owned banks and an important part of the Chinese financial system. The head office is located in Beijing. In China, the Agricultural Bank of China has a network of urban and rural areas, strong financial strength and complete service functions. It is not only trusted by customers, but also has become one of the largest banks in China. Overseas, the Agricultural Bank has also won a good reputation through its own efforts, and was named one of the Fortune 500 companies by Fortune. The Agricultural Bank of China Ninghai County Branch City Chengguan Branch is a business outlet directly under the Ninghai County Branch. It 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, Dedicated to all types of enterprises and institutions and urban individual customers to provide safe and efficient all-round high-quality financial services.

Second, the internship process

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

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

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

Understand bank accounting methods, account setting and account setting, and the determination of accounting methods. Distinction and comparison of bank accounting account and enterprise similarities and differences.

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

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, banknotes, abacus, five-stroke input method, and numeric keypad. This seems to give me a downroar. I thought that the banking business was quite simple, but I didn't find that I had so many basic skills that would not work. Looking at my colleagues' skilled money, I really admire and envy, and I can only count awkwardly from one sheet to another. For abacus, at first I couldn't understand why I didn't use a calculator. Isn't it more convenient? Later I learned that bank tellers often need to check cash to see if they can match the accounts, and the renminbi has a variety of volumes. It is necessary to accumulate when counting money. In this case, it is more convenient to use the abacus than the calculator, because the result displayed by the calculator will disappear after a certain time.

After a week of "hard training", 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 next, the internship teacher let me learn the 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, unloading, large and small banknote exchange, and accepting intermediate business. For each business, I have learned the transaction code and operation process of its ABIS system. The business can be divided into two types: single-fold subsystem and credit card system. In addition, I also learned the ABIS rolling and intermediate business rolling accounts that need to be carried out at the end of the business, how to print the running water, the flat report form, the important blank certificate sales number table, the important blank voucher checklist, and 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 the work is handed over. 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 or so. The teller reconciliation is also very programmatic. Generally, the cash is first counted, and then the important blank vouchers such as passbook, bank card, deposit slip, etc. are counted.

After a period of study and memorizing the transaction code and operational process of the savings business, I began to learn about the bank's accounting business, that is, for the business of 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. 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 and the cashier will be stamped by the cashier. The payee can Cash is collected at the cashier. The examination content of the transfer cheque is the same as that of the cash cheque, and it is handled by the accounting bookkeeper for review and accounting, and the accounting reviewer reviews it.

Fourth, internship harvest and experience

This internship, in addition to let me have a certain understanding of the basic business of the Agricultural Bank, and can carry out basic operations, I feel that the gains in other aspects are quite large. As a person who has been living in a simple university campus, this graduation internship has undoubtedly become a platform before I step 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 a school and a unit is that you 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 be responsible for the business they handle. If the work that should be completed on the day is not completed, the staff member must work overtime; if the money is accidentally mistaken and cannot be recovered, the operator must be responsible for compensation.

Secondly, I feel that everyone must adhere to their professional ethics and work hard to improve their professionalism after work. It is necessary to understand the rules of a line. At this point, I have a deep understanding from the internship unit colleagues. For example, some businesses need ID documents. Although customers may be people they know, they will also ask the other party to show their credentials. When the other party has a whisper, they always patiently explain why they must do so. Now that the bank is already similar to the service industry, the job 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 occasionally instruct the teacher 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"; When you pass the information with the customer, you must stand up and pick up your hands. Finally, some questions and inquiries for the customer must be patiently answered. This made me realize that what we are asking for in real work is our rigorous and meticulous work attitude so that we can develop in our own positions.

Finally, I feel that after the actual work, the academic qualifications do not appear to be the most important, mainly the personal business ability and communication ability. Any job, who has done it for a long time, will do it. It is more important to do it in practical work. 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: Agricultural Bank Internship Report

According to the school graduation internship requirements, I conducted a 25-day graduation internship from January 16 to February 10, 2019 at the X× branch office of Shimen Branch of Hunan Agricultural China. During the internship, with the help of the unit leaders and the instructors, I was familiar with the main economic activities of the Agricultural Bank, and the theoretical level and practical work ability were both improved and improved. The specific situation and experience of the graduation internship will now be a systematic summary.

I. Introduction to the Agricultural Bank

The Agricultural Bank of China was re-established in February 1979 and is headquartered in Beijing. As of the end of XX, there were 24,452 branches in mainland China, branches in Singapore and Hong Kong, representative offices in London, Tokyo and New York, and 447,519 employees. In 2019, Agricultural Bank of China Co., Ltd. was formally established, inheriting all the assets, liabilities, business, institutional outlets and employees of the former Agricultural Bank of China, with a registered capital of RMB 260 billion. The Ministry of Finance and Central Huijin Investment Co., Ltd. hold 50% of the shares of Agricultural Bank of China Co., Ltd., respectively, and exercise the rights and obligations of the promoters of Agricultural Bank of China Co., Ltd. according to law.

As a large state-owned commercial bank with both urban and rural development, Unicom International and full-featured functions, the Agricultural Bank of China has always adhered to the customer-centered business philosophy, adheres to prudent and stable management and sustainable development, and is based on the two major markets of county and city to implement differentiated competition. Strategy, focus on creating a “grow with you” service brand, relying on branches across the country, a large electronic network and diversified financial products, and strive to provide quality financial services to our customers, create value and common with our customers. growing up. In XX, the Agricultural Bank of China ranked 65th among the world's 1000 largest banks in the British “Banker”; the US Fortune Global 500 ranked 277. In XX, the Agricultural Bank of China Standard & Poor's rating is bbbpi; Moody's rating is a1/stable.

In China, the Agricultural Bank of China has a network of urban and rural areas, strong financial strength and complete service functions. It is not only trusted by customers, but also has become one of the largest banks in China. Overseas, the Agricultural Bank has also won a good reputation through its own efforts, and was named one of the Fortune 500 companies by Fortune. The Agricultural Bank of China Hunan Shimen Sub-branch is a business outlet directly under the Shimen County Branch. It has always supported the development of the Shimen economy and played an extremely important role in local economic construction.

Second, internship experience and work content

From January 16th to February 10th, I was fortunate enough to enter the Shimen County branch of the Agricultural Bank of China. Although the internship was not long, I learned a lot in this precious time and enriched and practiced the theoretical knowledge of the university. At the same time, I also feel that my lack of knowledge has strengthened my belief in active learning. At work, the change of work attitude is an important life wealth I have learned. During the internship, I learned with humility, worked hard, and completed my tasks seriously, and established a good relationship with my colleagues, which was unanimously recognized by the employees in the industry.

Learn the theoretical knowledge and various files with the director

In the first few days of the internship, I mainly studied with the director. On the one hand, I have to learn related practical operations, both to strengthen existing knowledge and to learn new knowledge. On the other hand, I have to learn about the relevant issues issued by the People’s Bank of China. file. Combine the publications of ABC Financial News, Financial Research and other magazines to understand the direction and dynamics of bank reform. Therefore, as an ABC employee, we should actively treat reforms, and in the reform, fulfill the responsibility of an employee with practical actions.

On January 6, 2019, the Agricultural Bank of China issued a new product for the “Agriculture, Rural Areas and Farmers”, and the Hui Nong Credit Card was in the city. Huinong Credit Card is another financial product innovation after the Agricultural Bank of China serves the “Three Rural Issues” following the Jinsui Hui Nong Card. According to reports, Huinong Credit Card is a comprehensive credit card product issued to high-end customers in the county and rural areas. The product fully considers the financial service needs of high-end customers in the “three rural” market, and through a series of innovative designs, it can meet its short-term and frequent capital needs in payment settlement, savings and wealth management and production and life. The first is to use lending and lending, and use the letter immediately. The second is full cash withdrawal and transfer, easy to use, the credit limit of Huinong credit card can reach up to 300,000 yuan. The third is circular overdraft and rapid turnover.

From January 16 to 18, 2009, the newly listed Agricultural Bank of China Co., Ltd. held its first annual working meeting in Beijing. He just held his first annual work conference in Beijing. The meeting reviewed and summarized the basic situation of the reform and development of the Agricultural Bank over the past year, thoroughly analyzed the internal and external situations faced by the Bank, clarified the overall thinking, goals and work requirements of the new year, and called on all employees of the Bank to establish modern The financial enterprise system is at the core, fully implements the objectives of corporate governance, and creates a new situation in the reform and development of the Agricultural Bank at a new starting point. The meeting pointed out that since the establishment of the new party committee of the Agricultural Bank, it has conscientiously implemented the national giant economic policy, followed the laws of modern commercial banks, closely integrated with its own reality, adhered to scientific development, and took the path of combining structure, quality and efficiency. The business maintained a good momentum of sustained and steady development.