Student Bank Accounting Department Internship Report

After many times of my efforts, I can finally go out for an internship. The place of the internship is the bank.

How good a bank is, if I go to an internship, but go directly to work, that would be great. However, it is impossible for the time being. I can only hope to enter after graduation through my own efforts.

I am studying accounting in the university, and internship in the banking department is of course an internship in the accounting department. Before the internship, I carefully read the accounting of the accounting department of the public business many times:

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 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 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 day is in the morning”, as is the accounting department. The accountant’s work every morning is to check yesterday’s account, such as printing pre-work preparation, subject daily statement, daily general ledger statement, balance check on all the accounting vouchers that occurred yesterday, etc. correspond. Then I started the day-to-day business, mainly including checks and wire transfers. Before noon, there is a bill exchange, and a special transfer loan, a credit certificate, etc. are prepared according to the exchange slip order to check whether there is a refund. In the afternoon, the cheques submitted by other staff members for collection will be reviewed and stamped with the “Receipt” stamp, which will be submitted to the reviewer for entry into the computer exchange system. After the end of the business today, carry out the day-end processing, print all the relevant documents of the business that occurred on the day, reconcile; print the "flowing gap" to check whether the lenders of today's accounts are balanced. Finally, the account is rolled. These printed vouchers are bound by a special staff member, and are reviewed again to see if the subject chapter is reversed, whether there is a leaked cover, etc., and then the binding vouchers are submitted to the superior bank for audit. This day's accounting work has come to an end.

Savings business

The savings department currently implements the teller responsibility system, that is, each teller can handle all the savings business, that is, opening an account, accessing cash, handling savings cards, etc. The certificate is not intended to be passed between the accountants in the public business department, but Each teller performs separate accounting processing and billing. However, the documents made by each teller shall be submitted to the responsible person in the relevant department for review first, and then passed to the superior bank for “post-mortem audit”.

Credit card business

Credit cards are classified into credit cards and debit cards according to whether they have consumer credit functions. The credit card is further divided into a credit card and a quasi-loan card according to whether the cardholder pays the deposit to the issuing bank. The credit card is a certain credit line granted by the bank to the cardholder. It can be consumed within this amount without paying the reserve in advance. The bank will print a list of the customer's monthly consumption, and the customer can choose to pay all. Clear or payment part, if the latter is selected, the unpaid portion of the short-term loan as a bank is compounded. The quasi-loan card is a kind of credit card that pays a certain reserve and then the bank grants a certain amount of credit. A debit card is a card that does not have an overdraft function, but can be used for transfer settlement, access, and consumption. Such as the construction bank's savings dragon card. Credit cards can also be divided into unit cards and personal cards according to the objects of use; they are divided into gold cards and ordinary cards according to credit ratings.

Credit business

Due to the current situation, SMEs are difficult to raise funds. Although the central bank has repeatedly introduced plans to encourage banks to lend to SMEs, there are strict controls within each bank. The same is true for CCB. Therefore, the bank is currently investing in the field of personal loans. It should be noted that the bank's personal loan business does not directly lend money to individuals, but a certain agreement with the merchant. In fact, the loan is given to the merchant, and then the merchant sells the merchandise to the individual, and the individual repays the loan to the bank. . When the bank signs an agreement with the merchant, it checks whether the business's documents are complete. Individuals are required to provide relevant proof of income, proof of identity, etc. to the bank. Generally, the subject matter of the purchase is used as a collateral. The most common ones are movable property mortgages and real estate mortgages. The credit department implements a separate system for the examination and approval of loans. It is the development of loan customers and the specific issuance of loans. The staff who review the possibility of loans are doing their part.

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 is mostly focused on the relatively simple front-office accounting business, it helps me to understand the bank accounting process in a deeper level. The accounting program provides great help, so that I am not limited to books in the basic business of the bank. Ben, 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.

As the saying goes, the journey of a thousand miles begins with a single step. These basic business is often not completely understood in books, so the basic practice is particularly important, especially the job opportunities of senior technicians reflected in the current employment situation. It is far greater than undergraduate students because they have better hands-on skills than undergraduates. From this internship, 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 handle basic practices and a comparative system. The professional knowledge, this is the real purpose of our study and internship.

In the future study, I will further strengthen the weak links found in my internship. It is very important to know through the internship. If you stay in the dormitory or school all the time, you will never find yourself. Inadequacies, if you correct after graduation, it will be a bit late.

I believe that I will find a good job after graduation, because I have been working hard, and I believe that I will succeed, because I know how to be stronger, this is my confidence!

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