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Bank Internship Summary


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 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 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. In the case that the payee and the drawer are not open to the same bank, such as some of the transfer checks, such as entrusted collection, can not be accounted for after the exchange of the notes, because the county-level branch has not opened an account at the local People's Bank, in the accounting It is reflected in the “Storage in the System” section, and the provincial branches that are in direct contact with the central bank use the “Save Central Bank” account. What we know more about in school is the latter. There are also some subjects such as “internal exchanges”, which refers to the allocation of funds from the accounting department and the savings department, such as the payment of wages on behalf of the enterprise; “storage of funds in the system”, which refers to the liquidation reserve and transfer of the lower-level bank with affiliation Funds, deposit reserves, etc. 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. The withdrawal of some large sums of money is required to register a large amount of money registration form, and the cheque of the payment must be signed by the accounting supervisor before being withdrawn.
“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.
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 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.

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