Summary of internships of bank interns

After hard selection and application, I finally became a bank employee, but this is only the beginning. The road ahead is still long. I told myself that we must cherish the work at hand and must do our job well. It is necessary to go further in the constant progress. For the time being, I am still very unfamiliar with the work of the bank, so I need more development, I need more efforts, I think I should do better, I think I should turn my efforts into power. As an employee of the internship bank, I have to do all this.

From July to September 2019, I and two other colleagues assigned to the ** branch internship . **The sub-branch is a provincial-level old-fashioned training base. In recent years, it has ranked among the best in the performance appraisal of the ** city* system. A large part of it is benefited from its own quality customers such as ** cigarette factories and ** companies. What can't be ignored is that ** has a highly cohesive marketing team, a harmonious working environment and a compact working rhythm and a good learning atmosphere. In the past two months, I have been internship in the accounting department and the credit department. I have received leadership care and help from colleagues in every department. This valuable internship period is the transition from a student to a qualified company employee. At the critical stage, I will summarize the work and study in the past two months.
During the study period in the non-cash business area, through reading, asking, thinking, I have a preliminary understanding of the main process of accounting department accounting - accounting, review and cashier; in addition, I have a special experience of the trainee lobby manager, the lobby The manager is the first window for many customers to understand ICBC. My main job is to guide the various businesses handled by the customer, handle customer consultations and complaints in a timely manner, and issue receipts and statements. Under the guidance of the customer-oriented philosophy, my dedicated service has won unanimous praise from customers. In the process of face-to-face communication with customers, on the one hand, I have exercised my communication and communication skills. On the other hand, I have been able to hear the opinions and suggestions of the customers on ICBC for the first time, which helps us to continuously improve our work. Improve the service.
In August, I was transferred to the Credit Department to study personal and corporate loans. During the period, we learned credit knowledge and marketing skills from business managers, tried to communicate with individuals and corporate clients, and learned loans for personal housing and consumption. * The system assigns credits to corporate customers. Since our high-quality customers ** maintain frequent business contacts with many foreign companies, this gives us the opportunity to get in touch with some international businesses, mainly related to the process of opening a quota.
The above is my work report during the internship period. The bits and pieces in my work have also saved me some opinions and suggestions on the development of the bank. I will talk about my understanding from the following three aspects.

I. Corporate Culture Corporate culture is not a pre-set, it is a social appearance formed after a period of development. It is a combination of hard and soft. * In recent years, the company has gradually promoted the construction of corporate culture, and has invested a lot of power in hardware, and has been at the forefront among the national counterparts. However, it feels a lot behind in the construction of software. For example, the employee spirit, employee identification, employee belonging, etc. that must be reflected in the corporate culture can be said to be very lacking, especially in the grassroots employees. In other words, I think this is like the contradiction between the superstructure and the economic base. Today's salary distribution method makes the grassroots employees complain a lot, and the increase in wages cannot keep up with the price increase. The current corporate culture spirit proposed by the President* to create “pragmatic, dedicated, innovative, and service” can effectively eliminate the negative emotions of employees, and enable employees to have a strong cohesive force and promote a qualitative leap in all work.

II. Authorization Management One of the words often heard during the internship of the accounting department is “authorization”. According to my understanding, in the business process, if the counter exceeds a certain amount, the special authorization is required. This power restricts the original intention of the establishment. Ok, but with the development of the social economy, more and more large transactions, the drawbacks of this restriction gradually emerged. I can often see the tellers rushing for authorization but delaying the response. The customer complained and even caused the friction between the customer and the teller when it was serious. This caused a great negative impact on the public image of the bank. We will not only lose the existing customers. More likely to lose a lot of potential customers; in addition, from the perspective of the tellers themselves, often colleagues complained about the lack of security when working, and there are cameras from all sides staring at work. These cameras were originally installed to prevent unknown risks, but in normal times But he is responsible for supervising the work of employees. For example, when handling special business, if the supervisor in front of the camera finds that it has not authorized the card according to the prescribed action, it will be criticized, and these so-called prescribed actions often only flow on the surface form.

3. Credit management Deposits and loans are the most primitive and important business of banks. They must use deposits effectively and use live deposits to create maximum benefits for banks. Therefore, I believe that credit management is the top priority of reform. First of all, the staffing needs to be adjusted, and the team of account managers should be vigorously enriched. Take the office as an example. The entire credit department has 7 individual account manager and only 3 company account managers. In contrast, the personal loan business volume is far less than the public business volume. In this case, each company's loan account manager often has to deal with 4-5 customers. The account manager often has a lack of skills, which directly leads to a decline in service quality. In the long run, it is more likely to lose a large number of customer sources in the invisible. It is an incalculable loss. Secondly, marketing awareness needs to be improved. Customers and market development should be strengthened. They should not rely solely on leading marketing. They need to establish marketing awareness among all account managers. They can invite marketing elites from time to time. The branch conducts marketing skills training and encourages business personnel to implement the “going out” strategy. **It is an important city in the rise of Central China. In recent years, the prosperity of urban construction and economic development is obvious to all. Under the guidance of various preferential policies of the government, more and more enterprises are stationed in the government, including such as the world top 500. Enterprises, more and more small and medium-sized enterprises can not be ignored, the number of potential quality customers is naturally self-evident, * line should take advantage of this good external business environment, take the initiative to attack, preemptive marketing, continuous development of new customers At the same time, we will firmly grasp the old customers, and we will work together to create a new stage of steady development. Finally, risk management is always unremitting. The ultimate purpose of lending is for profit. The heavy historical burden in the past has sounded the alarm for us. The good army does not fight unprepared. Therefore, it is necessary to strictly control risk management, especially to transfer after-the-fact control to preventive measures. However, strict risk-taking does not mean sacrificing profits. It can provide financial services to customers to the maximum extent under the guidance of principled concepts. The “product-centric” indiscriminate, singular credit management shifts to a “customer-centric” personalized management.

In the past month, I have learned not only the relevant business of the bank, but also learned a kind of active competition, courage and responsibility, and a dedication to work. All these have become an important asset in my life. My colleagues have given me tremendous help in my usual work and specific business. I am very forgotten about their banking policies, specific business knowledge, and the cooperation of partners and specific customer relationships and their active and diligent work. I have benefited a lot from my attitude.
The journey of a thousand miles begins with a single step. ** is the starting point of my work. The internship experience in ** also laid a solid foundation for my future work. I would like to thank the provincial leaders for giving us this opportunity to exercise at the grassroots level. I also thank my colleagues and leaders for their cultivation. In the future work, I will continue to be as passionate as ever and contribute to the development of the company.

After I have been in the internship , I can do all this well. I can also finish my work alone. This is my progress. I know that I should do better now. I should be constantly I have more development in progress, I believe in my ability, and I believe that I will have a bright future. I feel that I am suitable for banking work. I believe that I will do better. I believe that in development, I will improve my ability a lot. I believe that I am successful!