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Construction Bank Personal Internship Summary


Construction Bank Personal Internship Summary
I was fortunate to have a two-month internship at China Construction Bank and learned a lot of practical financial knowledge and skills. The content of this internship is mainly personal banking business, and has a general understanding of accounting business and bank card business.
Since the bank stipulated that no one with a teller number was allowed to serve as a single person, so in addition to assisting the accounting supervisor in arranging the daily accounting documents, I got a lot of important information from the book "Guidelines for the Operation of Counters in the Construction Bank". Preliminary information. However, there is a certain gap between theory and practice. Through the actual operation, I will make the contents of the book more complete. Let me talk about my limited understanding of bank work during this period.
Personal bank
First of all, it is necessary to mention that CCB implements a comprehensive teller system, which refers to the processing of licenses and operational procedures in accordance with the prescribed business. It consists of a combination of single or multiple employees, and through the counter window to comprehensively handle local and foreign currency accounting and cashier. , a kind of labor combination, such as savings, quota cards, and other financial services, and bear the corresponding responsibility alone.
Every morning, all the crew members on duty before the business are required to do some preparatory work 5 minutes in advance according to the supervisor's regulations, such as stamping the deposit and withdrawal receipts and cash stamps. Once the box arrives, one day's work can begin. In order to enter the dcc cabinet operating system, the teller must first identify and sign the teller identity through the bank fingerprint. The fingerprint device is connected to the service terminal of the branch through the data interface, which is safe and reliable.
Personal banking services include savings business, Long Card business, Expressway, collection and payment, intermediary business, and personal counter signing. These are all completed by the teller by entering the corresponding transaction code and a series of operations in the dcc system of the terminal. The local and foreign currency one pass is to record the customer's current and foreign currency current savings deposits using the same account number and the same passbook, in the order in which the business occurred. It can cover all kinds of business types of current ordinary and foreign currency current savings deposits, which are divided into live and regular.
The current savings account opening and deposit and withdrawal program is like this:
When opening an account, you need to fill in the current savings deposit slip with the date of deposit, the name of the account, and the amount of the deposit, and hand it to the bank manager for the receipt, cash and personal identification. After the bank's handling personnel review, the customer will be issued a passbook; if the password or seal is required to be withdrawn, the password must be entered in the specified format on the cryptograph of the bank outlet. The current passbook supports zero account opening, and the card is kept at least 10 yuan. The withdrawal of large sums of money must be registered and reported, and the cheque for the payment related to the cheque should also be signed by the accounting supervisor before being withdrawn.
Regular savings refers to a way of saving when depositing at the time of deposit, depositing the principal once or in a lump sum, and withdrawing the principal or interest in a lump sum or in installments.
There is a special savings passbook for zero deposits and deposits. It is a kind of savings that is based on the agreed deposit period, monthly fixed deposits, and one-time withdrawal of principal and interest. The account opening procedure is the same as the current period, and the monthly deposit is based on the amount at the time of opening the account. The procedures for depositors to withdraw in advance are handled in accordance with the procedures for depositing and depositing regular savings deposits. Generally, the five yuan will be deposited and deposited once a month. If there is a leak in the middle, it should be filled in the next month. Interest calculation is calculated based on the actual amount and actual deposit period.
Online banking does not set up the accounting system separately. Its accounting processing is completed by the dcc system, and its fund clearing is automatically processed by the counter business clearing system. The contracted customer conducts transactions through online banking, and the electronic information generated by the dcc is recorded as a valid credential of the transaction, and each accounting department uses the transaction detail record or the transaction list as the accounting vouchers.
Each business must be confirmed by both the teller and the client and signed and sealed. After the end of the business today, carry out the day-end processing, print all relevant documents of the business that occurred on the day, reconcile; print the “flow list” to check whether the lenders of today's accounts are balanced. Finally, the account is rolled. These printed vouchers are reviewed again by the responsible person in the relevant line to see if the subject chapter is reversed, whether there is any missing person's name, etc., and then the binding is sorted out. The daily voucher is no longer kept by the business outlets, but is processed by the account and then delivered to the immediate branch and billed. Then pass it to the superior bank for "post-mortem audit."
accounting
Relative to savings, the types of accounting business are more subdivided. Large categories include corporate business, bill exchange and fund clearing, payment settlement, etc.
a company must submit the “Application for Opening a Bank Settlement Account”, relevant certification materials and photocopies, including the business license, copy, tax registration certificate and legal person identification certificate, in accordance with the “Regulations on the Administration of RMB Bank Settlement Accounts”. proceed checking. The teller establishes the unit customer information maintenance according to the application form reviewed by the accounting supervisor, handles the account opening transaction transaction of the unit, prints the seal card of the account opening unit, and pays the seal to the financial personnel of the unit. If you apply to open a basic deposit account, a special deposit account and a temporary deposit account, you should file an account with the local bank. If a general account is opened, it shall be reviewed by the business department of the issuing bank. After the successful application, the teller makes the current account information maintenance transaction processing, and changes the account status from the undeclared status to the declared status.
b Bill exchange is a kind of transaction with financial institutions. It is a bill clearing business that is organized and implemented by the local people's bank and managed by manual exchange in the same clearing area according to the relevant regulations of the PBOC.
According to the bills submitted by the teller or submitted by the customer, after the audit is correct, the relevant transaction processing of the unit shall be carried out according to different circumstances, and the bills and printed exchange checklists will be checked. The checklist is handed over to the exchanger. Finally, the exchanger prints a list of exchanged bills. After checking with the bills submitted by the tellers, the local people ask for exchange.
c Payment settlement is the act of using the bills, bank cards and exchanges, collection commitments, entrusted collections and other settlement methods for the monetary payment and liquidation of funds in the social and economic activities.
The basic principles for handling payment settlement are clearly stipulated in the "Payment and Settlement Measures" issued by China:
1. For the payer, it is necessary to abide by the amount and perform the payment.
2. For the payee, whoever’s money goes into whose account, who is at their disposal
3. Bank no advance principle
The transfer cheque is issued by the drawer, and the bank entrusted with the check deposit business unconditionally pays the determined amount to the payee or the holder of the ticket; the unit and individual customer who opens the deposit account at the Construction Bank For all kinds of money traded in the same city, you can issue a transfer cheque and entrust the account bank to handle the payment procedures. Transfer checks can only be used for transfers. The transfer check is a kind of payment settlement business in the same city. Procedure 1. Ticketing: According to the situation of the unit, the customer issues a transfer cheque and stamps the reserved bank seal. 2. Delivery of the note: The ticketing customer will hand over the note to the payee. 3. Use of notes in circulation: The payee or the holder of the ticket transfers the endorsement of the transfer cheque according to the transaction needs. 4. Entrusted payment or prompt payment: The payee or the holder of the ticket holds the transfer cheque to the holder's bank or the drawer's bank to prompt payment. When the payee prompts payment, it shall be made into an endorsement of the entrusted collection, and the signature of the endorsement signature on the back of the transfer cheque shall indicate the entrusted receipt. Loss of payment: If the transfer cheque is lost, if the loser needs to report the loss, he/she should fill out the notice of loss and stop signing, and the notice of loss reporting will be provided by the bank, and the fee will be paid according to the standard. 5. Purchase check: customer cash check use

After the completion, the bank seal should be stamped on the transfer check receipt form, and the blank transfer check should be received according to the standard.
A cash check is a bill that entrusts the Construction Bank to unconditionally pay the cash determined by the payee at the time of the ticket. Units and individuals that can use cash to pay deposit accounts at the Construction Bank can use cash checks to entrust bank accounts to pay cash in accordance with the provisions of the Bank Account Management Measures and the Cash Management Regulations. Cash checks can only be used to withdraw cash. Cash checks can only be withdrawn at the bank where the drawer is opened, and no exchange is required. Two times a day to clear, print the card, the approval card, reconcile to the reviewer, confirm the account is consistent, the batch is accounted for.
Bank card
Bank cards are classified into credit cards and debit cards according to whether they have consumer credit functions. A debit card is a card that does not have an overdraft function, but can be used for transfer settlement, access, and consumption. The transfer fee for deposits from other places is charged at 0.5% of each amount, with a minimum of 2 yuan and a maximum of 50 yuan. The cancellation fee of the Bank's withdrawal fee is 0.5% per transaction, and the minimum is 2 yuan. Off-site inter-bank atm withdrawal is charged at 1% of the amount plus 2 yuan per transaction fee. The annual fee of 10 yuan is the cost, because the maintenance cost of the debit card is high. Generally, the cost per bank card itself is 1.5 to 2 yuan; after the card making machine of more than 400,000 yuan is used to make about 400,000 bank cards. It will be scrapped, and the cost of each card will be about 1 yuan; an ATM will also cost 200,000 yuan, and the staff will need to replenish cash in time and pay the corresponding manpower and cash costs. The four major state-owned banks in the construction of industrial and agricultural enterprises have more than 80 million cards issued, and the annual maintenance fee is several hundred million yuan, which is a factor that banks have to consider.
The credit card is a certain amount of credit granted by the bank to the cardholder. The deposit can be spent within this amount without paying the reserve in advance. The bank prints a list of the customer's monthly consumption, and the customer can choose to pay all. If the latter is selected, the unpaid portion of the short-term loan as a bank will be compounded on a monthly basis. The credit card can also be divided into a unit card and a personal card according to the object of use; the credit card is divided into a gold card and a normal card.
summary
In addition to the above-mentioned various businesses, I also participated in assisting a collection of tuition fees and independently completed the final closing work. Through this internship, I deeply realized the importance of standardized management of bank work and strict implementation of standards. From this internship, I realized that I have improved some of my shortcomings, learned how to guard against arrogance, and patiently and prudently treat every business. Although many of the front desk tellers seem to be simple and repetitive, it takes more effort and further re-learning to maintain consistent enthusiasm and long-term efficiency.
Note: 1 There are virtual tellers and physical tellers. Virtual tellers are self-service devices and electronic systems connected to the dcc system. It should be noted that virtual tellers cannot provide counter services, mainly query and transfer; test tellers It is a person who specializes in accounting, savings, credit, finance, and bank card business in various institutions. It is divided into a-level supervisor, b-level supervisor, cash teller and ordinary teller, regardless of the physical teller. They are all able to carry cash cash boxes for cash receipts and payments, but different property tellers have different licensing rights and business licenses.
2 accounting documents include: transaction vouchers, batch vouchers, documents for reference, and account pages
3 CCB “Establishment of Accounting Appointment of Grassroots Institutions” means that a tier-one branch or a tier-two branch appoints an accounting supervisor to its immediate grass-roots organization, and appoints an accountant management system that is under the responsibility of the appointing bank to manage and be accountable to the appointing bank. The “basic accounting supervisor” is the accountant in the grassroots organization directly under the tier-1 or secondary branch.
Responsibility breakdown: on-site supervision, authorization management
1. Record the changes of authorized personnel on the day and the authorized time range of each authorized personnel;
2, whether the large amount of payment of more than 500,000 yuan is reported
3, whether to carry out cross-terminal authorization
4. Supervise whether the teller leaves the system, withdraws the card, locks the box, and whether the teller leaves the post.
Management of important blank vouchers, seals and important items
1. Record the receipt of important blank vouchers, seals and important items on the same day;
2, whether to implement the "print, pressure, certificate" three points;
3 Is the registration of the seal and the storage of important items in time?
Cash management
1, record the balance of the tail of each teller on the day
2, whether to supervise the cash in the cashier's shop after the end of the day and supervise the double boxing lock and record
3. Whether the total cash in stock on the day is towards the limit
4, whether to supervise the tellers in the afternoon and touch the library and record
Accounting management
1, whether to view the current day report, verify the abnormal amount of the amount reflected in the report, whether there is abnormal accounting
2, whether there is a wrong account, the account is urgently adjusted and the reason is indicated


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