[Boutique] ICBC Internship Report

Part 1: ICBC Internship Report

I had the privilege of coming to the Shuangliu County Branch of the Industrial and Commercial Bank of China for a one-month accounting internship. I learned a lot of knowledge outside of books and benefited a lot. The following is a brief discussion of my real name system for bank savings deposits. I. The meaning of the real-name system of savings deposits The real-name system of savings deposits means that when a resident opens a financial institution and handles a savings business, he must present a valid identification. The bank employee is obliged to give a record and ask the depositor to leave himself on the deposit slip.

The system of names. Its fundamental purpose is to promote the financial system on the basis of fairness, justice and openness under the premise of effectively protecting personal interests and safeguarding national interests, and to ensure the authenticity and legitimacy of personal financial assets.

In the past 50 years since the founding of the People's Republic of China, the savings deposit system has been implementing a registered savings system. The name can be a real name, a pseudonym, a code or a name of a relative or friend. In particular, the current savings, the bank only recognizes the deposit and disclaims the person, as long as the payer provides the passbook to show the seal or lose the password to the bank, the payment is made. The real-name system of savings deposits is a financial system that has been implemented by developed countries and is also the financial system implemented by most developing countries.

Second, why do you need real savings deposit real name system?

China's current deposit and deposit registration system can be said to have caused a series of social and economic problems from the source, which has hindered the process of reform and opening up and reached a point where it is difficult to return.

1. The phenomenon of accelerating growth of savings deposits has concealed the shocking social wealth transfer. As of the end of June 1999, the total savings deposits of commercial banks in China amounted to 6.3 trillion yuan. China's household savings deposits have grown geometrically. In 1987, the balance of savings deposits of Chinese residents was only 307.3 billion yuan. In 1992, it exceeded 1 trillion yuan. In 1994, it exceeded 2 trillion yuan. In t995, it exceeded 3 trillion yuan. At the end of 1998, it reached 5.3 trillion yuan, and in just half a year, it reached 6.3 trillion yuan at the end of June 1999. Since 1992, although China's GDP growth rate has embarked on a rapid growth channel, the highest year is 14.1% in 1992, and the lowest year is 7.8% in 1998. From 92 to 98, the arithmetic average is only 10.76. %, GDP growth and savings deposit growth are not synchronized, which shows two points. First, the distribution of national income is excessively inclined to individuals. Second, some personal income is not derived from national income, but directly from the loss of state-owned assets.

2, tax collection and management difficulties, tax evasion is serious. Taxation is a citizen's obligation. Under realistic conditions, it is an individual's ability to evade taxation. For many financial managers, tax evasion has become an obligation. The proportion of China's personal income tax in per capita GDP is about 0.28%. Far less than 2.1% of the average level of developing countries, the excessive loss of tax sources, the root cause is that China's current savings deposit system can not support the collection and supervision of personal income tax, and the imperfect deposit system is not conducive to the establishment of a citizen's credit system. It is impossible to clarify the individual’s obligations to the state, and it is impossible to adjust the income gap between the residents and the gap between the rich and the poor through tax leverage, alleviate social contradictions, and enable the state to concentrate on doing big things.

3. The relevant adjustment policies of China are at a loss, and the implementation effect is greatly reduced. For example, in response to the lack of domestic demand and weak consumption, the state has introduced a series of policies to stimulate consumption, such as continuously lowering interest rates, encouraging consumer credit, collecting interest income tax on savings, increasing the wage income of civil servants and public institutions, and stimulating education consumption. Wait, but the effect of these policies is not obvious. Why? Because the deposit and deposit registration system masks the gap between the rich and the poor, it is difficult for the legislative and administrative agencies to prescribe the right medicine. For a small number of wealthy people, the income is only a decrease in the number. Money can't be spent on them for a few years, and there are some, so they are numb to the policy of stimulating consumption.

4. The personal credit system cannot be established. The market economy is a credit economy. All economic relations depend on credit to maintain. Without a good credit system, there will be a phenomenon of “unstable trading” and “investment lock-in”. Because of mutual distrust, the trading method will be to cash transactions and goods. The original stereotypes such as goods slipped down, and the pessimistic sentiments of "banks reluctantly lend, enterprises cherish investment, and individuals cherish borrowing" pervaded, causing economic dynamism to decline, and macroeconomic regulation and control policies are difficult to play a role. The establishment of a personal credit system is of course a complicated program involving financial law and regulation construction, financial product innovation, technological innovation and management innovation. However, the real-name system of deposit summer internship report deposits is the most basic and core content. Third, how to implement the real name system of savings deposits

1. Establish a real-name system for savings deposits based on the existing personal identification number. Credit is the face and passport of citizens living in the world. The quality of personal credit is directly related to whether they can enjoy loans, overdrafts and installment payments, and also affect retirement protection. Under the record and support of the real-name system of savings deposits, every income, transaction, tax payment, loan, and repayment of each person is recorded as the basis for assessing credit.

2. Defining a declaration confirmation period, registering and registering existing personal accounts and personal assets, indicating the legal source that can be calculated, and if the time is not fixed, unclaimed, and unable to explain the legal source, the state will freeze the investigation and the illegal income will be Confiscation and confiscation.

3. The bank account is connected with the taxation authority. The income and expenditure of the individual account are reported to the tax bureau within the scope of authorization. The tax bureau is responsible for the tax payment. The tax bureau is obliged to keep the personal property highly confidential and establish corresponding punishment measures. In order to block cash transactions and evade loopholes in tax inspections, banks should strictly control the number and frequency of large deposits and withdrawals, and the illegal tax bureaus. 4. It is necessary to promote the billing of payment instruments and provide a basis for property registration and legal taxation. In particular, personal accounts need to popularize the check transfer business. The bill clearing must be electronic, instant, and pass-through, and provide personal transfer services at any time, anywhere, and at will, and gradually change the traditional practice of relying on cash transactions. Fourth, the implementation of the real-name system of savings deposits should pay attention to alleviate the negative impact. For 50 years, we rely on the majority.

The diligent and economical virtues and high savings rate of the common people support the stability and development of society and economy. Finance is the core of the economy, financial stability, the people's heart can be stable, and society can be stable and developed. The development of savings requires a sense of security. The sense of security stems from the confidentiality of savings. The implementation of the real-name system of savings deposits may lead to an increase in the unsafe mentality of depositors. Because “afraid of wealth” is a common social psychology, the people are afraid of being rich and the corrupts are also I am afraid of being rich, how to weigh the two, to avoid disadvantages, and to think about it. This is the first question we must consider when implementing the real-name system of savings deposits. Second, after the real-name system of savings deposits is introduced, a large number of black and gray incomes will be withdrawn from bank deposits. Some people who are deeply worried about panic may also increase their withdrawals. This decline in deposits will inevitably impact small and medium-sized banks first, because of the history and background of small and medium-sized banks. And the strength of deposits has always been untenable for ordinary people. Excessive withdrawal of deposits will result in bank liquidity risk and payment pressure. The so-called falling out of the deposits may lead to the accumulation of non-performing assets of commercial banks, which will impact the entire banking system and even cause financial panic.

Therefore, to reduce the negative impact of implementing the real-name system of savings deposits, the key points are to do the following three things:

1. Strengthen the construction of laws and regulations. Such as "Secrecy Law", "Personal Property Protection Law."

2. Strengthen professional ethics education. Conduct professional ethics education for internal staff of the bank and internal staff of law enforcement departments such as public security, courts, discipline inspection, and auditing, strictly enforce the law, and strictly keep confidential. Increase the supervision of law enforcement agencies and control the power of law enforcement agencies to inquire, freeze, and deduct individual financial assets.

3. Oppose corruption. In some localities, grassroots organizations charge fees, arbitrarily apportion, and fines are more serious. Implementing the real-name system of savings deposits may make it easier for cadres to grasp the homes of residents, and thus it is easier to target the "three chaos" more efficiently. Therefore, grassroots cadres should strengthen their knowledge and law-abiding education, severely punish the "three chaos", and resolutely pursue their legal and economic responsibilities for abuse of power and infringement of the interests of depositors.

Part 2: ICBC Internship Report

My name is xxx and I am a student from the xx college xx major. In the past few months, I have had the privilege of coming to the International Department of the Industrial and Commercial Bank of China Shaoxing County Branch and the Accounting Department for an internship. As the beginning of the report, I would like to introduce some basic situations of ICBC.

Industrial and Commercial Bank of China is one of the four state-owned commercial banks with more than 20,000 branches. It is the largest commercial bank in China. At the end of 2004, its total assets were nearly 5.3 trillion yuan, accounting for the total assets of banking institutions in China. Nearly one-fifth. The Shaoxing County Sub-branch of ICBC ranked second in the income ranking of the county-level sub-branch of the Zhejiang ICBC System in 2004. A large part of it was benefited from international business, mainly because the local foreign textile trade was relatively developed.

Therefore, after completing the internship task of the accounting department, I also went to the International Department for a short internship to gain a more comprehensive understanding of the core business of the bank. During the internship of the accounting department, I mainly studied the integrated business processing system, became familiar with the accounting subjects of the bank, basically mastered the accounting and review operations of the system, and was able to independently handle the exchange of the same city, securities clearing and foreign exchange accounting. . Through reading, asking and hands-on operation, I have a more systematic understanding of the main work of the accounting department, especially the check draft, etc. Before the internship, I only learned the basic concepts from the book, and there is no real bill. Specific understanding. Now I have a general understanding of the process of trial and settlement. During the internship of the International Department, I learned by doing and found that most of the knowledge has been learned in International Settlement. All I have to do is to be familiar with the various bills and master their role in international trade. And guide customers to fill in the form and review the order. In the process of internship, there are teachers and leaders, the assistance of bank employees, and their own efforts.

This internship brought me from the pure theoretical study of the school to the environment of learning in practice. As soon as I entered the post, I realized that it was time to converge on the wildness of the student era. There is no rule without a square. Although the atmosphere inside the bank is harmonious and there is no old-fashioned restraint, it is a mechanism that deals with money. It requires strict discipline and detailed procedures. I should be strict with myself. It is better for me to follow the rules of the bank. The following is the experience of my internship for several months: First of all, in the short period of one month of the internship of the Shaoxing County Branch of ICBC, I have made a great change in my mind. In the past, when I was learning in school, the teacher always poured knowledge into my mind. I didn’t have such a strong desire for knowledge. Most of them forced me to learn. However, the internship here has really made me feel very much, my knowledge is too poor, and the atmosphere of the bank staff's learning atmosphere has invisibly created a desire for self-seeking.

Everyone is here to study hard, and this hard spirit is especially admirable. Give me a feeling of wanting to integrate into them. This will be a great advancement in my future life. Only by insisting on learning new knowledge will you improve yourself, and there is such an atmosphere here. At the same time, this internship also provided me with a different learning method and learning opportunities, which made me change from the traditional passive teaching to the active learning; from the rote mode, to learn in practice, enhance The ability to comprehend, innovate, and infer. Mastering the methods of self-study, the improvement of these methods is beneficial for life. I think that this rare two months makes me really understand the basic laws of work and study. Secondly, during the internship of this internship, I deeply realized the importance of teamwork. I remember that I had been working independently for two weeks at ICBC. It was not as tense as the first time. On that day, the banking business was particularly high, the system was too busy, and the computer was running very slowly. Among them, a withdrawal of 900 yuan had occurred, but the invoice could not be printed. The investigation was successful, and the supervisor confirmed that the business had been successful. The invoice has to be supplemented by hand. When I got to the evening, I found that I lost 900 yuan. When I checked the water again, I found that the 900 yuan withdrawal was still in transit. But the supervisor also confirmed it at the time, and confirmed that it was successful. It is probably because the system is not good and the computer automatically recharges, so this is the case. Fortunately, the customer's account was opened in the bank. My colleagues helped me find the contact information of this person. The supervisor helped me recover 900 yuan. At that time, I was really grateful to every colleague in the line. I realized the teamwork really. It is very important.

This internship has provided me with a wonderful experience in all aspects of my work and life. I think this change is a qualitative leap. Now that the internship is over, the leaders and colleagues of the Shaoxing County Branch of the ICBC have also affirmed my achievements. I am also basically satisfied with my performance and laid a solid foundation for me to go to the society. In dealing with the bank's employees, I also learned the attitudes and methods of treating people and doing things. The employees of the bank are sincere. Although they are older and I am a little older, I feel that they are mature and have many worthwhile. The place I studied, these months are opportunities that I can't buy with money. I have a lot of gains from work, study, and life. I don't have time to come. If I have time, I hope I can have another internship.

The above is the experience of my internship. Finally, I sincerely thank everyone at the Shaoxing County Branch of the ICBC. In the future, I will not live up to your expectations, do my job better, and do my best for my cause.

Part 3: ICBC Internship Report

I. Introduction to the internship unit

Industrial and Commercial Bank of China was established in 1984. As the largest commercial bank in China's assets, after more than 20 years of reform and development, ICBC has entered the track of coordinated development of quality and efficiency. At the end of the year, the total assets were nearly 5.3 trillion yuan. Accounted for nearly one-fifth of the total assets of banking financial institutions in China. In XX, the British "Banker" magazine ranked by tier 1 capital, and ICBC ranked 16th among the world's 1,000 largest banks, and was selected five times in the United States. Fortune Global 500, and was named the top ten high-quality products in China by the US Far East Economic Review. In XX, the fully functional banking system successfully launched by ICBC has provided a strong impetus for the progress of business and management.

Second, the internship process

The purpose of this internship is to master the basic skills of the banking business, familiarize with the operational procedures and work systems of the bank's daily business, so that the teaching is more targeted and more sensitive to the needs of students' job opportunities.

The internship process mainly includes the following stages:

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

Understand the basic business processes of the bank, mainly including the following aspects: basic skills training in banking, such as counting money, abacus, five-stroke input, bundling, etc.; bank savings business, such as demand deposits, whole deposits and acquisitions, fixed two Etc.; the 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.

Summary of the internship.

Third, the internship content

With the guidance of the branch leaders, we first learned in detail about the basic skills necessary for bank work, including counting money, banknotes, abacus, five-stroke input method, digital keypad usage, etc. To say that abacus, many students, including myself, can't understand why in this era of rapid development of information technology, why should we practice abacus, why not use the calculator, the bank tellers often need to check the cash to see if they can match the accounts. The RMB has a variety of volumes, which need to be accumulated when counting money. At this time, it is more convenient to use the abacus than the calculator, because the results displayed by the calculator will disappear after a certain period of time.

Next, we observed the whole process of bank counter business in the personal wealth management center. The ICBC counter business is implemented by the teller responsibility system, that is, each teller can handle all the savings business, that is, open an account, access cash, report loss. , hang up, exchange of large and small banknotes, accept intermediate business, etc. For each business, you must enter the nova system. In addition, the nova rolling and intermediate business rolling accounts that need to be carried out at the end of the business, the tellers must learn how to print the running water, flat Account report form, important blank certificate sales number table, important blank voucher detail checklist, check whether the voucher number is continuous, whether the amount is accurate, whether the voucher elements are complete, etc.

In the bank, the reconciliation of the work between the tellers is very important. When reconciling, 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. The account is also very programmatic, generally check the cash first, and then count the important blank voucher such as passbook, bank card, deposit slip, etc.

Fourth, internship harvest and experience

Although many young professional teachers in the Department of Finance and Economics have solid theoretical knowledge and basic skills, they lack close ties with the company, so that when students ask the details of the relevant industry, they can’t answer, and they can only "send the text". The school arranges teachers to practice in the enterprise, in order to understand the basic situation of production organization, process flow, industrial development trend, etc., and combine the production actuality and employment standards of the enterprise, continuously improve the teaching plan, improve the teaching methods, and actively develop school-based textbooks. Practically strengthen the practical teaching links in vocational schools, improve the quality of training of skilled personnel, in order to change the state of teaching and actual disjointed.

This time the practice of the company, in addition to making me have a certain understanding of the basic business of ICBC, the bank staff's work attitude and professional etiquette also left a deep impression on me. For example: the attitude towards customers, the first is to use honorific words For example, "Hello, please sign, please go slowly"; secondly, you must stand up and transfer your hands with the customer. Finally, some questions and consultations must be patiently answered. However, it is important to treat people with courtesy. Abandon basic professional ethics and literacy. For example, some businesses need ID documents. Although the customer may be someone they know, the staff must also ask the other party to show their credentials. When the other party has a whisper, the staff must patiently explain why. Must do this.

Listening to the exchanges of many graduating class teachers: When many graduates arrive at the company, they often "accept the water and soil" and get started slowly. I think this is related to the teacher's lack of understanding of the enterprise employment standards. But this time the company has made the teachers get The common "signal": enterprises favor high-quality vocational education students, that is, students need good verbal expression, interpersonal communication, emergency response and other skills in addition to solid professional skills, such as some units recruiting talents, will also take a test "How do you write the word", "How is the computer level", "Is the English communication smooth?", etc. These abilities should allow students to have "reserves" in peacetime.

This year's corporate practice has benefited me a lot and has played a positive role in guiding education and teaching in the future. I hope that there will be more similar learning opportunities in the future.