[Boutique] Construction Bank Internship Report

Part 1: Construction Bank Internship Report

I. Introduction to the internship unit

China Construction Bank Corporation is a joint-stock commercial bank with a leading position in the Chinese market, providing customers with comprehensive commercial banking products and services. The main business areas include corporate banking, personal banking and treasury operations, and a variety of products and services are leading the market in the Chinese banking industry.

China Construction Bank has a broad customer base and maintains banking relationships with leading companies in a number of large corporate groups and strategic sectors in China. The marketing network covers major regions of the country and has approximately 13,729 branches in Hong Kong and Singapore. There are overseas branches in Frankfurt, Johannesburg, Tokyo, Seoul and New York, sub-banks in London and representative offices in Sydney. The Bank's subsidiaries include China Construction Bank Corporation, CCB International Limited, Sino-German Housing Savings Bank Co., Ltd., CCB Fund Management Co., Ltd. and CCB Financial Leasing Co., Ltd.

The history of China Construction Bank can be traced back to 1954. The name was established by the People's Construction Bank of China. It was a state-owned bank under the Ministry of Finance. It was responsible for the management and distribution of construction projects and infrastructure-related projects in accordance with national economic plans. Government funds. In 1979, the People's Construction Bank of China became a financial institution directly under the State Council, and gradually assumed the functions of more commercial banks.

With the establishment of the China Development Bank in 1994, it undertook the policy loan function of the People's Construction Bank of China, and the People's Construction Bank of China has gradually become a comprehensive commercial bank. In 1996, the People's Construction Bank of China was renamed China Construction Bank and in 2004 it was established as a joint-stock commercial bank.

The main products and services of the CCB Boluo branch where I am internship include: RMB deposit, loan, settlement business, RMB savings business; foreign exchange deposits, foreign exchange loans, foreign exchange remittance, foreign currency exchange; international settlement; other business approved by the People's Bank of China .

Second, the experience of internship

Initial understanding of CCB

This winter vacation, I have been internship in the Xiangjiang Sub-branch of China Construction Bank Corporation for nearly a month. I feel that I have combined my knowledge and practice with the past and have a deeper understanding and understanding of the banking business. Professional foundation.

When I first arrived at the CCB branch, I was excited and a little scared to face the new environment. I was excited to finally understand the banking business through internships and lay a solid foundation. My fear is that my professional knowledge is not solid enough, I am afraid There are too many unknown difficulties and mistakes that should not be made during the internship. There is always a gap between ideals and reality. One month of internship, let me know that there is not much business that an intern can really contact, because after all, the process of learning is still in progress, so I can only get to know all about CCB. Business, especially some of the more basic businesses, have a deeper outline of these.

Therefore, some time before the CCB internship, I mainly understand the basic situation of the internship unit and the organization and staffing. Although these tasks are trivial, I am very happy because they have made me feel very satisfied and have learned a lot. Especially when I first saw the bank's cheques, remittances and other documents, I will recall it. The "Bank Accounting Training" that I learned in the semester, the original documents and realistic documents we learned are still quite different, and the content documents filled in the reality are simpler than the learning, perhaps for the convenience of customers, simplifying customers. Procedures.

Of course, in the process of answering customer's problems, I have encountered many problems myself. Many times, because I don't know enough about the business, I often face the customers, and often answer the customers vaguely, often seeking the help of the manager. After a few days of intensive understanding, now I face the simple problems of customers, most of them can be easily solved, and can also reduce some of the burden on the manager.

Internship experience at CCB

First, learn the foundation. The ancients cloud: learning is endless. Now that I am a senior, I am very clear about the gap between my ability and social requirements. Although I have a certain understanding and understanding of my major, it is still not enough. Therefore, through the study of professional courses in the last semester, my professional knowledge has been strengthened. At the same time, the internship of this CCB has enabled me to integrate theory and practice, and laid the foundation for future work.

Second, the internship experience. As the saying goes: Learn to use it. In this month's internship, I gained a lot:

One is to broaden the horizon and learn to use a full range of thinking to understand the society and think about life. During the internship, let me have a deeper understanding of the different jobs in the same bank. In the new economic era where the knowledge economy and the Internet economy are swarming and the global economy is integrated, science and technology, information, integrity, and teamwork spirit are particularly important. The small post and one month of tempering made me feel the development of the business era and the pace of social progress, and felt the prosperity of the financial market economy.

The second is to experience the competition and accelerate the continuous updating of their knowledge and the continuous improvement of their individuality. Business competition is ruthless, it requires high efficiency, and it is slow to reflect in any part of information acquisition, decision-making and execution, and the opportunities are fleeting. And these must be comprehensive knowledge and fast information. In just one month of internship, I was deeply impressed by the tremendous pressure of competition among banks. Without better service and innovative products, it is difficult to gain a long-term foothold in the market. For the competition of employees, they can feel the invisible pressure on them. In order to live and for the family, we must constantly improve ourselves and improve our performance.

The third is to temper the self and improve their ability to survive and compete. In the fierce market competition, my judgment on the market and the ability to make decisions on matters have been greatly improved. From sloppy decision to rigorous thinking; from one thing to the level of inquiry to their own independent thinking and decision-making; to rely on others to their own coordination side to complete a project independently. After all stages of study and exercise, I feel that I have undergone a profound transformation in dealing with people.

The fourth is to make some friends and expand the space for life development. In the process of internship exercise, I have broadened the channels of communication and accumulated valuable resources for interpersonal relationships. Some of these interpersonal relationships are sincere friends who have met their true feelings in their work. Some are elder brothers with rich academic experience, and some are customers who see integrity in business dealings. These interpersonal resources will expand the space for life development. It has become a rare asset in my life.

Part 2: Construction Bank Internship Report

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.

Part 3: Construction Bank Internship Report

CCB, the big country of the country, the instrument of the country, the pulse of the country, to be independent. In the summer period, when recruiting nearly six hundred people, they enter the door, look at their skins, think about them, end their hearts, and cover them slightly.

CCB is the second-largest bank in the four state-owned banks. It carries the dreams of many people and also accumulates its own corporate culture and soul...

In the three weeks of this summer, we have six hundred people who have been fortunate to stand out from the many yearnings and participate in the first batch of internships of CCB Beijing Branch. I am very honored to have the opportunity to enter the hall with many outstanding graduate students... ...

To the CCB internship, our purpose is to understand the banking business process, to feel the cultural connotation and values ​​of CCB, to appreciate the philosophy of CCB, and to cultivate a better sense of belonging.

I was arranged in the urban construction branch of this internship. There are 18 people in the two groups and 14 people actually arrived. I am very fortunate to meet the best from Tsinghua University, Peking University, Renmin University of China, University of International Business and Economics, Central University of Finance and Economics, and Beijing University of Posts and Telecommunications. We are very fortunate to have the opportunity to communicate and learn from them.

Looking back at the three weeks of the scene, everything is still vivid...

Personal business articles

In the first week, I did my personal business and was arranged by the manager of the team to the Jinsong branch. This is the branch nearest to my school. It is very convenient for me to go to work this week. On the first day of the Jinsong branch, my first impression was that the environment was very good, and the smile of the lobby manager was very warm. I feel that the service of CCB is really very good...

Zhang Xingchang and Niu Director of Jinsong Branch were very good to me. I asked about the matter and they all answered it carefully.

I worked as an assistant to the lobby manager for the first two days. The thing to do is that when every customer pushes the door of CCB, I smiled and said, "Hello, welcome to CCB, please do business," when the customer said When I run my personal business, I will send the card to the customer with my hands and say that you are going to go here. When the customer wants to do business with the public business, he will directly hand the machine to the customer and ask you to go there. When the customer goes, I will say: "Please go slowly." Really really feel the feeling of service.

In addition, when dealing with personal business, if they open an account or transfer money, they will be handed over the documents. The important thing to mention here is that the Jinsong branch is equipped with an automatic filling machine. The system is updated very well, and it is more convenient to fill in the form.

In fact, as a lobby assistant, the feeling of standing for one day is that the feet are very painful, but whenever I hear the customer’s sentence: “Thank you,” the feeling of being respected still makes the heart feel as refreshing as a breeze, like a sunray The warmth. This is also the return to the service.

For the post of assistant manager of the lobby, in addition to me, there are two undergraduate orientation internships. We work with the lobby manager. The relationship is very good and the cooperation is very pleasant. Here, you can feel the atmosphere of the CCB family and the values ​​of CCB.

I feel that under the warm atmosphere of CCB, a united family, the work is very smooth, and everyone can actively complete their work.

In the days of the station lobby, I have some suggestions for myself:

1. Can I put the LCD TV near the entrance of the lobby to show the latest real-time wealth management products, financial information, etc.

Second, whether you can install a scanner button in each seat waiting in the lobby, you can scan the barcode of the call number and connect with the counter system. When the counter calls, directly let the button on the seat ring, so that everyone will not be mistaken.

Third, whether you can install headphones on your seat, let the waiting people listen to financial information, CCB wealth management products, etc., waiting for the time, it is best to match light music.

Fourth, the replacement of the new system equipment function is generally a single, whether you can consider the future when updating the system equipment can be diversified, which can save equipment.

5. The water and electricity fee is now electronically piloted. The counter does not charge cash. Is it possible to consider opening a counter for the elderly? Because of the public utilities such as utilities, the elderly like to collect cash. The utility fee is only a representative, and many other businesses that are convenient for the elderly. Can be handled at the elderly counter. . .

This is just my suggestion on some of CCB's hardware devices. I think it may be possible to optimize the electronicization of CCB.

My advice for the position of my lobby manager:

First, this position is the entry guide for CCB outlet customers. You can do some articles in this position, do some financial information, and promote financial products.

Second, in fact, the number machine can be placed in the entry port, add a hint, the lobby manager can introduce the customer when the customer comes.

Then I followed the personal account manager Li Shifu and Peng Shifu as personal account manager assistants. Master Li asked me to enter the OC system to view the customers. The level is diamond, platinum and gold, and let me check the customer schedule, I can I feel that CCB’s customer grading system is still good, distinguishing between large and small customers and classified management.

I also consulted with Master Li and Master Peng on the financial products, funds, and gold of CCB. Master Li and Master Peng gave me a lot of patience and learned the marketing situation in practice.

CCB has done a good job in marketing.

In the days of the account manager assistant, I also have some suggestions:

First, customer classification has already been established, diamond, platinum, gold, but each customer's maintenance methods, communication models may not be too much classification, I personally feel that the way should be: take multiple modes, regular Host a networking event with customers.

Second, the customer classification rating is now only based on the deposit quota, whether it can be subdivided according to consumption, account activity, capital goodness, communication activity and other aspects.

3. When the account manager contacts the customer, is there any more innovative communication method? Does CCB start the account manager's small secretarial business, and at any time give the client manager a business guide in this regard, providing customer dynamics anytime and anywhere.

Visit the Operations Center and the Private Banking Center

We are very fortunate to visit the operation center of the railway branch and the private banking center in Xidan. In these two places, we are equivalent to visiting the internal organs and high-end service centers of CCB. CCB has done a good job in this respect. The operations center manages things inside the banking system, like billing troubleshooting. The Private Banking Center is a place for high-end customers, providing high-end customers with a very comfortable service environment and more intimate private team services.

Here, what I personally feel is the pace of building a modernization and moving towards a world-class bank.

There is also the body wall of the "good builders", which reflects the style of CCB.

Public business

In the middle of the second week, I started to do business with the public. I was directly placed in the headquarters of the urban construction branch. I followed the account manager Zhao Shifu to do business with the public. Master Zhao asked me to study the business book for the public business. I studied the business book. I feel that CCB’s wealth management products are comprehensive and business-oriented.

Master Zhao also gave me a "Huawei Comprehensive Financial Management Plan". This program is very well planned. Through this comprehensive financial management plan, I have seen the importance that CCB attaches to major customers, and also the glimpse of the big customer plan. Some details. This program gives the strategic significance and urgency of seeking export credit to Huawei and paying wages. It is very targeted and gives the market situation of competitors BOC and ICBC.

My personal suggestion: The program can increase some of the actual operational plans to seize the market, find out the competitive advantage points of CCB, and break through the mouth, enter the market and seize the market.

I studied the "CCB Comprehensive Marketing Case Collection". This case collection is also very good. It is a classic case of CCB's marketing plan for a key customer. It is a classic and fully reflects the wisdom of CCB and achieves a win-win situation for both parties. Competitors win customer trust and customer satisfaction.

Master Zhao also showed me some financial audit reports of the company. I studied the situation of some CCB customers and studied the benefits that some well-stocked companies might bring to CCB. CCB’s client assets and liabilities are relatively good.

Although after a short three-week internship, I feel the cultural atmosphere of CCB, the big family atmosphere, and the values ​​of the future. Everyone from CCB has given me great help, regardless of the president, director, account manager, each of them. I am very good, and my sense of belonging to CCB has been greatly enhanced. In the exchanges and learning with many outstanding CCB employees, I also experienced the style of CCB, and I have more opinions and expectations for CCB.

Perhaps it is a big deal in the world. I just want to mention a little of my own views on the future development of CCB. It may be very immature and shallow. This is purely my thought:

First, standing at the high end, starting the slogan, "good builders, good people to build a line", perhaps plus "Shijian Minxing, the World People's Construction Bank", Shijian Minhang means "building a world-class bank, the world Construction, people-oriented, serving the people's livelihood." The World Bank’s CCB follows the reputation of “Li Shimin”, which is also the “Enlightened Bank”.

Second, as the second largest state-owned bank, mastering the national financial lifeline, it is very important to control bank risks and ensure that bank assets are good. Traditional business must be implemented all the time, but the scope of business can be extended. It can take the lead in piloting bank financial products and strive for RMB. Leading bank for international settlement, seize the opportunity of RMB international currency settlement.

Third, attract high-level talents, enrich the banking team, and improve bank efficiency. Learn about the business methods and types of business of other top-ranking banks in the world and enhance inter-bank business communication.

Fourth, accelerate the pace of electronic operation, take the lead in realizing the electronic operation of traditional business. Increase the proportion of online banking and mobile banking, while focusing on risk control.

5. The division of branches and sub-branches is more rational and regionalized, which is more conducive to striving to disperse customers.

These are just a few of my very shallow views, but they also represent a wonderful vision for the future of CCB.

The future of CCB is infinitely bright. If there is an opportunity, I hope that I will be fortunate enough to join the CCB North Big Family and grow up in CCB. I will further understand the CCB culture and become a qualified CCB.