Bank practice report of college students' winter vacation
I am a junior majoring in Chinese language and literature in xx University. It is rare to have an internship in xx Bank during the winter vacation. I am determined to cherish the opportunity and learn from my colleagues around me. My job is equivalent to the assistant to the lobby manager, mainly responsible for diverting customers, guiding customers to complete some basic work of filling out forms, and briefly introducing some basic work of banks, such as bank projects. In a word, this is a basic service work. What is needed most is patience and care. We should strive to improve the efficiency and quality of banking services. This is my basic understanding of my work.
Working in the lobby of a bank, especially the Chengguan Sub-branch where I work, is the busiest bank in xx. First of all, I have to go through physics. I remember that I basically have to stand for a day to answer questions when I go to work every day, and I am really tired and sour when I get off work at night. But I can cope with this kind of physical exertion slowly in a few days. I think good health is always the basis and prerequisite for doing a good job.
Then enter the familiar business stage. I want to be clear about the handling process of various banking businesses, the filling methods of various forms and documents, and how to guide customers correctly and accurately. At this stage, I have to thank our bank teacher, Manager Tang, who is in charge of the lobby. She gave us careful and strict guidance and sincere help, and we could feel that the manager was teaching us her work experience, skills and work experience. Many brothers and sisters in the securities and insurance industry who are similar to our interns have also given us great help. We cooperate with each other and feel that the working atmosphere in the bank is very harmonious. I think we will become good friends in life and work, and I will study the advantages of these colleagues carefully.
It is time to improve the business level, how to better communicate with residents, accurately understand each other's needs, efficiently help customers solve problems, how to better identify customers, learn more about some wealth management products, and better guide and help customers.
Although my last job was not high-end and didn't require much technology, it trained the basic qualities of doing a good job, especially in the service industry: good communication skills, appropriate and accurate expression skills, and the ability to get along with people in harmony. I think this is also the basic quality that I should master in Chinese language and literature, and it is also an aspect that a person needs to learn and improve in order to live in society.
Nearly a thousand people come to my Chengguan Sub-branch to handle all kinds of business every day. Everyone is so different, from different hometown, different accent, different requirements, different wishes, different living conditions, witnessing different people's different joys and sorrows every day. But these days' work experience constantly reminds me that for everyone, whether they are poor or rich, whether they are high or low, whether they are smart or ignorant. You should respect everyone from the bottom of your heart, be patient, listen carefully to everyone's thoughts and demands, and try to think of your customers, because you also need others to treat you like this and help you. As long as I think so, I can treat the repetitive work every day with a very peaceful mind, because I think my work is meaningful.
Another internship gain that I have to mention is the improvement of financial management awareness. A person should not only make money, but also manage his own money effectively, that is, learn to manage and invest. The internship in the bank brought me into contact with financial investment projects such as insurance, stocks and funds. , slowly began to learn how to rationally plan a financial plan suitable for your family. For example, a family should invest about xx% of its assets in insurance, and xx% of its assets should be used for more stable investment. I think learning financial management well is a university problem to be studied during my internship in a bank, and it is also a compulsory course for one's lifelong study.
Bank internship report of college students in winter vacation II
Worked as an intern in xx Bank for nearly half a month. From the initial excitement and a little bit of nervousness, I learned a lot, felt a lot, and got a certain understanding of the lobby work and operation of ICBC.
I used to think that the lobby manager was just a decoration and didn't play a particularly important role. It is the teller who does the actual work, but this internship experience has completely changed my previous thoughts. The lobby manager is not only a decoration, a facade, but also shoulders the task of diverting tellers, answering questions for customers and reconciling the atmosphere in the lobby. Employees who are inexperienced, unfamiliar with tasks, unable to communicate well with customers and have a bad attitude are not qualified for this position.
What impressed me deeply was that the second day after I started my internship, I was issuing numbers in front of the numbering machine, and an old lady with a cane and silver hair came to me for consultation. I didn't catch her question clearly, because the environment was noisy and grandma's accent was difficult to distinguish. After she said it twice in a row, she suddenly said to me a little angrily, "Why do you ask three questions?"
I was particularly embarrassed. First of all, I'm really unfamiliar with some businesses, and I really don't know her. In her opinion, as a staff member, I should be quite familiar with the business and be able to answer her questions, but the result is "three questions". I can only say sorry about this and take her to the lobby manager. Afterwards, I felt very embarrassed and ashamed, but at the same time, I realized more fully that as a lobby manager, I must be able to master the basic business processes skillfully in order to bring good service to customers.
Another thing impressed me deeply. I remember there were many people in the hall at that time. Suddenly, a customer who was handling business began to make a loud noise and accused our teller of being rude and ignorant of business, saying a lot of ugly words. The teller who handles business for him can only stand up and apologize to the customer. The customer turned a deaf ear and still abused the teller and ICBC. At this time, the lobby manager rushed to the counter and began to persuade the customer from his point of view. When his scolding gradually faded, he took the customer to the back room. Although I didn't catch up, I knew from the smile on the customer's face when he reappeared that things had been solved very well. I asked the lobby manager afterwards. He said, "customers just want to solve problems and get things done. From his point of view, give him a slow analysis, so that he feels that he has received good service and things have been solved. We always have to consider them more from the perspective of customers and let them feel respected. " This made me realize that as a lobby worker, besides professional knowledge, I should also have the ability to solve disputes, adjust the atmosphere and listen to the opinions of all parties.
In addition to my understanding of the work of the lobby staff, this internship has gradually made me realize the hardships of my parents' work. After working in the company for seven or eight hours, I still have to "serve" this "little emperor" when I get home. I want to take good care of my mood and temper. I can't get angry or slack off my housework. I drag my tired body and continue to work hard at home. If it were me, I think I would scold and walk away. For so many years, my parents just paid silently without complaining. Even though I often comment on my mother's cooking, I often say it's not delicious and ugly. Tell my father what to do, ask him to "bring me tea and water", even ask them to understand my emotions, and often give them a cold face. Now that I think about it, it's really unfilial. Through this internship, I think I will try my best to control my emotions, be more considerate of them, lose my temper less and help my parents do what they can.
I am very happy and grateful to have this internship experience. Let me know about the work of the bank, which provides a reference for me to choose a job in the future. It also gives me a deeper understanding of my personality and way of doing things, and also helps me better understand the hardships of my parents and my responsibilities.
Bank practice report on college students' winter vacation III
According to the requirements of the school, I started a five-week winter internship in xx Branch of xx Bank on xx. During my internship in xx Branch of xx Bank, with the help, guidance and education of the unit guidance teacher, I became familiar with the main economic and business activities of xx Bank, systematically studied and mastered all aspects of the practical work of xx Bank, and got a good training and improvement in the theoretical knowledge of bank management and practical work ability in all aspects. I also understand the importance of combining theory with practice. Now the specific situation of this graduation internship is reported as follows.
First, the internship unit profile
Xx Bank is one of the four state-owned banks and an important part of xx financial system. In China, xxxx Bank has branches all over urban and rural areas, with strong financial strength and complete service functions. It is not only trusted by our customers, but also has become one of the banks in xx. Overseas, xx Bank also won a good reputation through its own efforts, and was rated as a Fortune 500 company in the world. Chengguan Sub-branch of xx County Sub-branch of xxxx Bank is a branch directly under xx County Sub-branch. It has always supported the development of xx economy and played an extremely important role in local economic construction. Beautiful environment, rich financial products, dedicated to all kinds of enterprises and institutions and urban individual customers to provide all-round, high-quality financial services.
Second, the internship process
The purpose of this internship is to master the basic skills of banking business and get familiar with the operation process and working system of daily banking business through the internship in xx Bank. The internship process mainly includes the following stages:
(a) to understand the basic situation, organization and staffing of the internship unit.
(2) Learn the basic business processes and transaction codes of banks, mainly including the following aspects: basic skills training of banks, such as counting banknotes, abacus calculation, five-stroke font input, binding and so on. Bank's savings business, such as demand deposit, lump-sum deposit and withdrawal, fixed deposit and fixed deposit convenience, etc. ; Corporate business of a bank, such as accepting cash checks and issuing bank drafts; Bank credit card business, such as credit card account opening, account closing, cash deposit and withdrawal, etc.
(three) to understand the bank accounting methods, subject settings and account settings, as well as the determination of accounting methods. Distinguish and compare the similarities and differences between bank accounts and enterprises.
(4) Summarize the internship process and complete the internship manual and internship report.
Third, the internship content
Before formally studying banking business, I first learned the basic skills necessary for banking work under the guidance of the internship instructor, including counting money, tying money, abacus calculation, five-stroke input method and the use of numeric keypad. This seems to give me a fright. I thought the banking business was quite simple, but I didn't find that I had so many basic skills that I couldn't operate at all. I really envy watching my colleagues count money skillfully, but I can only count them clumsily. For abacus, at first I didn't understand why I didn't use a calculator. Isn't it more convenient? Later, I gradually realized that bank tellers often need to check the cash to see if the accounts match. However, there are many kinds of RMB, which need to be accumulated when counting money. At this time, it is more convenient to use an abacus than a calculator, because the results displayed by the calculator will disappear after a certain period of time.
After a week of "hard training", although I still can't master the basic skills of banks, I have mastered them in general. The so-called practice makes perfect, mainly by logistics and practice. Then, the practice instructor asked me to learn savings business. The teller responsibility system is implemented in the savings business of this branch, that is, each teller can handle all savings business, that is, opening an account, depositing and withdrawing cash, reporting loss, decoupling, exchanging large and small bills, accepting intermediate business, etc. For each business, I have learned the transaction code and operation flow of its xx system, and the business can be mainly divided into two categories: single-discount system and credit card word system. In addition, I also learned how to scroll xx account and end-of-business intermediate business account, and how to print running water, account balance report, sales number table of important blank vouchers and detailed checklist of important blank vouchers, so as to check whether the number of summons is continuous, the amount is accurate and the voucher elements are complete.
As a bank intern, it is essential to learn the reconciliation between tellers when handing over their work every day. During reconciliation, in addition to checking whether the cash accounts are consistent, it is also necessary to check whether important blank vouchers are missing and whether the summons are continuous. The reconciliation between tellers is also very procedural. Generally, cash is counted first, and then important blank vouchers such as passbooks, bank cards and certificates of deposit are counted.
After a period of study and memorizing the transaction code and operation flow of savings business, I began to learn the accounting business of banks, that is, business-oriented business. The accounting of corporate business (mainly bill business) is mainly divided into three steps: bookkeeping, review and cashier. The bill business of Chengguan Branch mainly refers to checks, including transfer checks and cash checks. To handle the cash check business, first of all, we should check whether the drawer's seal is consistent with the bank's reserved seal through computer check or manual check; Then, check whether the amount of words and figures is consistent, whether the issue amount, issue date and payee elements have been altered, whether the check exceeds the time limit for presenting payment, whether the check is overdrawn, and whether the endorser's signature is consistent if there is endorsement. It is worth noting that amount in words can be rounded to the nearest yuan, but not to the nearest minute. For cash checks, the accounting bookkeeper checks them and then gives them to the accounting reviewer. After the accounting reviewer confirms that it is correct, it will be passed to the cashier, who will stamp the cash payment stamp, and the payee will collect the cash at the cashier's office (after the cashier and the payee verbally reconcile). The audit content of transfer cheque is the same as that of cash cheque, which is audited by accounting bookkeeper and rechecked by accounting reviewer.
Fourth, the harvest and experience of internship
This internship, in addition to giving me a certain understanding of the basic business of xx Bank and being able to carry out basic operations, I feel that I have gained a lot in other aspects. Because I have been living in a simple university campus, this graduation internship has undoubtedly become a platform for me to step into society and laid the foundation for my future step into society.
First of all, I think a big difference between a school and a unit is that you must have a strong sense of responsibility after entering the society. In the work, we must have a strong sense of responsibility, be responsible for our own posts, and be responsible for our own business. If the work that should be completed that day is not completed, the clerk must work overtime; If the money is taken by mistake and cannot be recovered, the administrator should also be responsible for compensation.
Secondly, I think everyone must stick to their professional ethics and strive to improve their professional quality after work. It is said that if you want to do a job, you must understand the rules of a job. I have a deep understanding of this from my colleagues in the internship unit.
For example, some enterprises need identification documents. Although customers may be people they know, they will ask the other party to show their certificates. When the other party has something to complain about, they always patiently explain why they do it. Now the bank is similar to the service industry, so the working attitude of the staff is particularly important, which I have personal experience. By the end of the internship, I have mastered the basic business process, so I occasionally ask my teacher to let me work in my spare time. Unexpectedly, seemingly simple business processing, but there are so many details to pay attention to, such as: attitude towards customers, first use honorifics, such as "hello, please sign, please go slow"; Secondly, when delivering information to customers, you must stand up and put your hands down. Finally, you must patiently answer some questions and inquiries from customers. This made me realize that what is needed in real work is our rigorous and meticulous work attitude, so that we can develop in our own posts.
Finally, I think that in practical work, education is not the most important, but mainly depends on personal business ability and communication ability. Anyone can do any work for a long time, and practical ability is more important. So I realize that the real purpose of our internship is to combine what we have learned in college with more practice, and to test the truth with practice, so that an undergraduate can have a strong ability to deal with basic practice and more systematic professional knowledge.
The fourth report on the practice of bank for college students' winter vacation
During the winter vacation, two other colleagues and I were assigned to practice in xx branch. Xx Sub-branch is a training base for provincial senior workers. In recent years, it ranks among the best in the performance evaluation of X-ray system in xx city, largely because it has high-quality customers such as xx cigarette factory and xx company. What cannot be ignored is that xx has a cohesive marketing team, a harmonious working environment, a compact working rhythm and a good learning atmosphere.
In the past two months, I have worked as an intern in the accounting department and the credit department successively, and I have been cared by the leaders and helped by my colleagues in various departments. This valuable internship period is a key stage for me to change from a student at school to a qualified company employee. Now I will sum up my work and study in these two months.
During my study in the field of non-cash business, through reading, asking and thinking, I got a preliminary understanding of the main accounting processes of the accounting department-bookkeeping, checking and cashier; In addition, I have a special experience, that is, being a trainee lobby manager. The lobby manager is the window for many customers to understand ICBC. My main job is to guide customers' various businesses, handle customers' inquiries and complaints in time, and issue receipts and statements.
Under the guidance of the concept of customer first, my dedicated service has won unanimous praise from customers. In the process of face-to-face communication with customers, on the one hand, we have exercised our communication skills, on the other hand, we can also listen to customers' opinions and suggestions on ICBC, which is helpful for us to continuously improve our work and services.
In January, I was transferred to the credit department to study personal and corporate loans. During this period, we learned credit knowledge and marketing skills from business managers, tried to communicate with individual and corporate customers, learned to handle personal housing and consumer loans, and learned to use xxx system to rate and credit corporate customers. As xx is a high-quality customer of our bank, it maintains frequent business contacts with many foreign enterprises, which gives us the opportunity to get in touch with some international businesses, mainly those related to the letter of credit opening process.
In the past month, I learned not only the related business of banks, but also a kind of active competition, courage to shoulder heavy burdens and conscientious working attitude, which have become important assets in my life. I can't forget the great help my colleagues have given me in my daily work and specific business. Their mastery of bank-related policies and specific business knowledge, their handy maintenance of the relationship between partners and specific customers, and their positive and diligent working attitude have benefited me a lot.
The above is my work report during my internship in xx, and the dribs and drabs in my work also give me some views and suggestions on the development of xx Bank. I will talk about my understanding from the following three aspects.
I. Authorization management
One word I often hear during my internship in the accounting department is "authorization". As far as I know, the counter staff need special authorization if the transaction exceeds a certain amount. This kind of power restricts their original intention, but with the development of social economy, there are more and more large-value transactions, and the disadvantages of this restriction are gradually revealed. Tellers often call for authorization but get no response, and there are many customer complaints, which even cause serious friction between customers and tellers, which has a great negative impact on the public image of our bank, which will not only lose existing customers, but also lose many potential customers;
Moreover, from the teller's own feelings, many colleagues often complain about the lack of security at work, and there are cameras staring at them in all directions. These cameras were originally installed to prevent unknown risks, but in normal times, they are responsible for supervising the work of employees. For example, when handling special business, if the supervisor in front of the camera finds that he has not authorized the card according to the prescribed actions, he will be criticized, and these so-called prescribed actions are often superficial.
Second, credit management.
Deposits and loans are the most primitive and important business of banks. We must make effective use of deposits and create great benefits for banks with living deposits. So I think credit management is the top priority of the reform.
First of all, the staffing needs to be adjusted urgently, and the team of account managers should be greatly enriched. Take Duban as an example. In the whole credit department, there are 7 individual loan account managers and only 3 corporate account managers. In contrast, the personal loan business volume is far less than that of the company. In this case, the loan account manager of each company often has to deal with 4-5 customers, and the account manager is often overwhelmed, which directly leads to the decline of service quality. In the long run, it is more likely to lose a large number of customer sources invisibly, which is an immeasurable loss for the development of ICBC.
Secondly, marketing awareness needs to be improved. We should strengthen the expansion of customers and markets. We should not only rely on leading marketing, but also establish marketing awareness among all account managers. You can invite marketing elites to go to branches to carry out marketing skills training from time to time, and encourage business personnel to implement the "going out" strategy. Xx is an important city in the rise of Central China. In recent years, the grand occasion 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 xx, including large enterprises such as Fortune 500 and more small and medium-sized enterprises, which cannot be ignored. The number of potential quality customers is self-evident. Xx bank should take advantage of this good external business environment, take the initiative to attack, preempt marketing and constantly develop new ones.
Finally, risk management must be strictly controlled, especially after-the-fact control should be transferred to prior prevention. However, strictly grasping risks does not mean sacrificing profits, and can provide limited financial services to customers under the guidance of principled concepts. "Product-centered" undifferentiated and single credit management has been transformed into "customer-centered" personalized management.
Third, corporate culture.
Corporate culture is not presupposed, but a social outlook formed after a period of development. It is a combination of hardware and software. In recent years, xx Bank has gradually advocated the construction of corporate culture, invested a lot in hardware, and walked in the forefront of its peers in the country.
A journey of a thousand miles begins with a single step. Xx is the starting point of my work, and this internship experience in xx has also laid a solid foundation for my future work. Thanks to the provincial leaders for giving us this opportunity to exercise at the grassroots level, and also thanks to the training of colleagues and leaders. In my future work, I will, as always, keep my enthusiasm and contribute to the development of X Bank.