[Boutique] Bank of China Internship Report

Part 1: Bank of China Internship Report

1. About Bank of China

1.1 About Bank of China

Bank of China is the full name of Bank of China Co., Ltd., and its head office is located at No. 1 Fuxingmennei Street, Beijing. It is one of the top five state-owned commercial banks in China and ranks third among the top five banks in China. Bank of China's business scope covers commercial banking, investment banking and insurance. It has subsidiaries such as BOC Hong Kong, BOC International and BOC Insurance, providing comprehensive and high-quality financial services to individuals and corporate clients worldwide. In terms of core capital, in 2008, Bank of China ranked 10th in the UK's "Banker" magazine "World's 1000 Large Banks".

1.2 About the history of the Bank of China

The Bank of China was approved by President Sun Yat-sen on January 24, 1912. It officially opened on February 5, 1912. Therefore, the Bank of China is one of the oldest banks in China.

In April 1950, the General Management Office of the Bank of China was placed under the leadership of the head office of the People's Bank of China. Since the reform and opening up, the Bank of China's various businesses have developed rapidly and entered the forefront of the world's largest banks.

In 2003, it was identified by the State Council as one of the pilot banks for the joint-stock reform of state-owned commercial banks.

On August 26, 2004, Bank of China Co., Ltd. was established, marking the opening of a new chapter in the history of the Bank of China and launching a new voyage. It became the first company in China to issue H shares and A shares in full circulation.

1.3 About the Bank of China's business

Commercial banking is the traditional main business of Bank of China, including corporate finance, personal finance and financial market operations.

1) Corporate finance business

Corporate finance is the main source of profit for the Bank of China. Including deposit business, loan business,

Financial institution business, international settlement and trade finance business, and other company financial business.

2) Product service innovation

Bank of China cooperates with the latest business needs of the company's customers, combines and innovates the company's financial products; strengthens product cooperation with the financial industry, and actively promotes the transfer of corporate credit assets among the same industry; launches Rongyi, Tongyida, Rongxinda and Rongrong Products such as Dad further enriched the “Da” series of trade financing products.

3) Personal financial business

Personal financial business is one of the strategic development priorities of Bank of China. Including savings deposit business, personal loan business, personal intermediary business, "BOC wealth management" services, private banking, bank card business, channel construction.

4) Product Service Innovation

Relying on the global service network and diversified service platform, Bank of China provides a full range of financial services to its customers, and continuously innovates and launches new products of local and foreign currency wealth management. Continue to promote overseas wealth management counter business, providing convenience for customers to cross-border asset allocation.

5) Financial market business

Bank of China's financial market business mainly includes: proprietary trading and valet business of domestic and foreign currency financial instruments, various securities or index investment business of domestic and foreign currency, debt capital market business, customer wealth management and asset management business, financial agency and custody business, etc. . Bank of China operates its treasury operations primarily through five trading centers in Beijing, Shanghai, Hong Kong, London and New York.

6) Product Service Innovation

The design and quotation ability of new products is one of the main competitive advantages of Bank of China's financial market business. Bank of China has always adhered to the customer-oriented innovation concept. With its rich experience in foreign exchange business and the expertise of strategic investors, Bank of China is committed to attracting customers through the development of innovative and tailor-made capital products and services.

2. Purpose of the internship

Part 2: Bank of China Internship Report

The position of this internship is the lobby manager. The work involved is basically the same. It teaches customers to open accounts, fill in documents, exchange foreign currency programs, and guide public and private businesses. And give customers deposit deposit advice, introduce customer wealth management channels, and provide customers with some financial information. Also teach customers how to use ATM, automatic payment machines, online banking methods, and so on.

Impressions of Internship: As a university student majoring in international trade, I have been looking forward to the opportunity to go to internships in companies in the financial sector such as banking, securities, and insurance. This long-awaited dream was finally realized this summer's summer vacation: a summer internship at the Bank of China Chizhou branch. Although the internship was only a short month, I gave me a far-reaching practical lesson in financial knowledge, banking, and internal management. In particular, the managerial managers of various departments of the Bank of China have carefully taught me and cared for me. I feel the beauty and warmth of the big family of the Bank of China, and I am grateful and respectful to the Bank of China!

The bank is not as easy as I thought before, and the bank's staff is also very hard. The seemingly simple work actually contains a lot of details, and every step requires careful staff. Moreover, I often work overtime to complete a certain job. Of course, this is because BOC employees have a strong sense of responsibility and will work overtime on their unfinished work, even though there is no salary for overtime work. This makes me feel the unity and responsibility of the big family of BOC, which is especially important for enterprises. Without unity, there will be chaos within the enterprise, and it will be difficult to develop. As long as the internal unity of the enterprise will be invincible, even if it is difficult, as long as it is united, it will succeed. If there is only unity and no sense of responsibility, it will be difficult for the enterprise to be in the market. Obtaining a comparative advantage with competitors in an economic environment cannot reflect a company's market position, and it is difficult to obtain wide recognition from customers. The development of enterprises will be difficult. At this time, the Bank of China showed me the image of such a united and responsible big company. I believe that through the concerted efforts of BOC employees, BOC leaders will have the great advantage of being able to achieve the advantages of their competitors.

The cultural philosophy of my Bank of China is a smile service. Every customer's arrival and requirements must be warmly welcomed and treated. In particular, when encountering some older customers, it is necessary to take these economic details into painstakingly. First, in order to win more for the company. Good word of mouth, the other is that the bank's business-related funds are the hard work of every customer, we must be responsible for their trust and trust in us. The bank not only asks us to smile at every customer, but also cares and cares for each and every one of our colleagues. It is commendable that colleagues will take care of every customer's request for small things and take them seriously, and they will have good habits of thrift at work and not waste. Every morning morning is a time to sum up the day's work and check each other's instrumentation, and then start a day's work with a new mindset and look. I think no matter which company, if there is a good corporate culture and employees have a positive mood, then the development of this enterprise will be prosperous, and it will be a place where more talents yearn for.

In the bank, I got along very well with every colleague. I also learned a lot, including basic knowledge about banking and banking related insurance, how to do things, how to learn from customer conversations. Social knowledge and experience, etc. I think that the internship is also very important for college students. Through internships, we can continuously enrich and improve our knowledge structure, cultivate our ability of self-education, self-management and self-development, connect the learned knowledge with reality and be verified in practice, exercise adaptability and social skills, and accumulate social experience. And work experience, step out of the first step of successful employment, and make due contributions to the country and society. I hope that this internship experience can provide some help for my job search and development after graduation. More importantly, I have more confidence in my future success.

Part 3: Bank of China Internship Report

The content involved in this internship is mainly accounting business, other general understanding of the bite, the training of banknote skills; lobby guidance and customer service training; credit card business.

I. Accounting business

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 the same, the amount of the ticket, Whether the date of issue, the element of the payee, etc. have been altered, whether the check has exceeded the reminder payment period, whether the check is overdrawn, and 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 is Can't be recorded. For cash checks, the accounting bookkeepers will review the accounts 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 be able to pay 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. 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.

Some large-scale transactions are required to register a large amount of money registration form, and report to the Hefei Management Department to avoid shortage of positions.

“The day is in the morning”, as is the accounting department.

Every morning's work is to check yesterday's account, print two copies of yesterday's receipt, one for the end, one with a transfer chapter according to the account classification into the return to the cabinet to the customer, and yesterday occurred All the accounting vouchers of the business are checked for balance, etc., one-to-one correspondence. Then I started the day-to-day business, mainly including checks and wire transfers.

Second, point, banknote skills training

“counting money” is one of the basic skills of bank tellers. Sitting posture, gestures and the placement angle of the banknotes, fingering, the strength of the fingers and the coordination ability of the hands, etc. These are the skills to be mastered through some hard work. Looking through today's newspaper, it is said that a bank organized a manual banknote contest. A top employee ordered 180,000 in 8 minutes, and picked out counterfeit banknotes and banknotes in it... It is really fascinating. Fortunately, when I was counting money, there was still a so-called "high-tech" - the money counter helped. "

The use of the middle finger method is the key. One hundred sheets and one bundle, one banknote is caught in the hand, and the thumb is pressed in the middle to make it concave in the arc. The right hand squeezes the banknote into the bundle machine, just to bundle the banknotes. The paper strip of the machine trapped about one-third of the position of the banknote, and finally flattened the whole bundle of banknotes, so that a banknote could be firmly tied. But unfortunately, I was always tied .

Third, lobby guidance and customer service training

In modern business society, customer service has become a slogan, or a fashion, fashionable. Every morning in the morning meeting of the bank, in addition to learning the provincial bank and some notices issued by the Hefei Management Department, our dear and respectable president will also give me a reading of the classics in Service Determination.

Due to the shortage of internship sub-branches, the provincial branches have not been able to send employees to the network for the time being, so most of the colleagues working here have a number of positions, especially our lobby manager, who often runs in and out, busy. The assignment tasks I received during my internship were also small things that I could do. Therefore, I am also very happy to move around in the gap between things, and strive to learn more business that cannot be contacted.

So in our branches, customer guidance and services are mostly guaranteed to be part-time. At this time, I have another feeling, and now the security brothers are really all-powerful. On the rest day, I went to ICBC to cash out and found that I was still a security brother who guided me to fill out the documents.

Asking customers with a smile, what business do you want to handle? Most of them are mortgage repayment, personal remittance, and account opening. Then take the corresponding order in the drawer of the front desk to know the customer to fill out.

Fourth, credit card business

Like the other bank credit cards, the Bank of China’s credit card is basically used for credit card spending. There is no inconvenience or trap in use, but the requirements for passing the examination are strict. Generally, the customers who directly handle the problem have a fixed income and whether they are local accounts. The initial overdraft limit is generally not very high. Each year, from the date of activation of the credit card, the annual fee will be waived for 3 years, and the annual fee will be 5 times for the next year.

Renminbi Great Wall Credit Card is the main product of the Bank of China Great Wall Card series. It is the earliest and highly reputable modern payment instrument in China. It has the characteristics of convenient use, safe carrying, fast processing, and national access, and has become a well-known brand in the domestic financial field. However, as far as the current Anhui is concerned, there is no longer a deposit for the Great Wall Card. If the customer wants to change the card, it will be very troublesome.

V. Summary

Through this internship, I have a more detailed and deep 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 internship, I realized that the actual work and the knowledge in the book are at a certain distance, and further study is needed. Although the internship business concentrated on the relatively simple back-office accounting business, it helped me understand the bank accounting process in a deeper level. The accounting program provided great help and made me in the basic business of the bank. Limited to books, 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.

"There is a glimpse of the end of the paper, and I know that this matter must be carried out." This practical work is an important experience in life and an important step. It will definitely help the future in the workplace. 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. This time, I really realized the meaning of "no end to learning."