1 A new week has begun. I have been working in the position of account manager of the company for a week. Today, I studied post-loan inspection and other related knowledge under the leadership of Mr. Zhan, the manager of the company department.
Our profit comes from the deposit-loan spread, and the loan is very risky. How to control and avoid risks has become an indispensable part of loan business. Once the funds are lent to our corporate customers, banks will take huge risks. The post-loan follow-up inspection we learned today is a comprehensive evaluation of the security of bank funds.
Post-loan inspection is divided into monthly, quarterly and annual inspections. Today, I learned about Zhengzhou Haima Automobile Sales Co., Ltd. from Mr. Zhan ... Haima Company is a quality customer of our Runhua Sub-branch. We have supported the growth and development of their company many times, and he is also a typical example of our automobile financial services. After Mr. Zhan's explanation, I understand that the risk control of post-loan inspection of auto finance is mainly to control the inventory purchased by his funds. The control of inventory depends on the car as a pledge. If you master the certificate of the car, you will master the assets they sell.
Another indicator that determines the company's risk is the balance sheet of the company being loaned. We can make a scientific judgment on its management ability through the analysis of its assets, liabilities, owners' equity and other related financial indicators, and after this judgment, we decide to make corresponding adjustments to the company's debt business in the next stage. We must adjust various indicators to keep the risks within the control of banks.
Today's feelings: I will try my best to learn relevant financial knowledge, supplement forgotten and incomplete accounting knowledge, learn from teachers while laying a good business foundation, improve myself in my study and become a qualified bank manager as soon as possible.
On the whole, this internship is bittersweet. For me, it is both a challenge and an opportunity. One month's internship in the bank has given me a necessary understanding of the basic business of the bank and I feel that I have gained a lot in other aspects. I really feel the shallowness of my knowledge and the lack of professional knowledge in practical application. At first, I was at a loss about some jobs. The knowledge learned in school, once exposed to reality, only to find their own gap.
"I don't know anything from the end of the article" seems to be a simple business process, but there are so many details to pay attention to when actually taking up the post. For example, the attitude towards customers, first of all, respect you, please sign, please walk slowly; Secondly, the reference room must stand up and pick it up with both hands. Finally, some questions and self-study of customers must be answered patiently. This made me realize what I need in real work, that is, our rigorous and meticulous work attitude, so that I can develop in my post. As a college student, this summer internship has undoubtedly become a platform for me to step into society, which provides a good opportunity for me to step into society in the future.
First of all, I deeply realize the importance of standardized management and strict implementation of standards in banking work. Then, at work, we must have a strong sense of responsibility, be responsible for our own posts and our own business. For example, working in a bank, if you don't finish the day's work, the staff must work overtime: if you make a mistake carelessly and can't recover the money, then the manager must also be responsible for compensation. At the same time, if you have questions you don't understand, ask for advice with an open mind, abide by organizational discipline and unit rules and regulations, and go to work on time. Secondly, after work, everyone must adhere to professional ethics and improve themselves in women's professional quality. This is called the guild regulations. I have a deep understanding of this from my colleagues in the internship unit. At present, banks are similar to service industries, so a supportive work attitude is particularly important.
Thirdly, cultivate good work habits, learn from others with an open mind, and at the same time cultivate the spirit of cooperation, learn communication in real life and other basic principles of dealing with people, and constantly cultivate good habits and improve their own quality. In the bank, although many operations seem simple and repetitive, we still need to redouble our efforts and further study in order to adhere to moderate enthusiasm and long-term accuracy. From this internship, I realized some shortcomings in improving myself, and also learned how to guard against arrogance and rashness, and treat every business with patience and caution.
To realize this, I need to combine what I learned in college with more practice and test the truth with practice. I am a professional with strong ability to handle basic practice and systematic knowledge, which is the real purpose of our internship.
As the saying goes, a journey of a thousand miles begins with a single step. This short and substantial internship has played a transitional role for me to go to the society, and it is an important experience in my life, which is also of great help to my future career and work. I am grateful to Industrial and Commercial Bank of China for providing me with such a valuable internship opportunity, and to the leaders and instructors of Industrial and Commercial Bank of China for their teaching and support.
I thought the customer service manager was just a guiding role, but it wasn't. The work it covers can involve all aspects of the business department, that is, it is necessary to know all the business conditions, including the general deposit and withdrawal of public-private business, the handling and repayment of loans, and some guidance on wealth management business. , and have the mind to deal with the overall situation and solve emergencies and good communication skills.
I spent an afternoon studying the customer service manager's guidelines and lobby service standards of Minsheng Bank. I was exposed to filling out various forms, helping to repay loans, opening and using online banking, and using inquiry machines. Going to work on time every day, one stop a day is more than 6 hours.
As a small commercial bank, Minsheng Bank is different from Chinese, agricultural, industrial, construction, communication and rural credit cooperatives in filling out forms. And other small banks have certain preferential policies, such as Bank of Ningbo and China Everbright Bank, because they use the UnionPay clearing system (the clearing system used by big banks to pay the People's Bank of China), and Minsheng Bank does not need to pay the handling fee for depositing and withdrawing money on Ningbo bank cards, which is paid by banks for customers. In addition, if the transfer in the same city is transferred to the five major state-owned banks, you need to fill in the deposit and withdrawal form in the same city (but now Minsheng Bank has no withdrawal business); If it is a remote transfer, you need to fill in the remote transfer bill; People's livelihood cross-bank transfer does not need to fill in the form. As for others, such as debit card business, password loss reporting and unlocking. , you must fill in the relevant forms. And guiding customers to fill out forms and helping customers get numbers has become part of my job.
The opening and use of online banking business is a bit difficult for me who has never been exposed to it at first. Need to teach customers how to operate, need to do relevant demonstrations. To answer questions such as the difference between the customer's U-treasure and the browser's certificate, and the restrictions on the single and accumulated amount when applying for online banking.
In addition, because the financial manager asked for leave in the week of my internship, I also undertook the important task of introducing financial management business. Although it looks a little rough, I have to ask the teacher for help in many things, but I have gradually become more and more proficient. For example, you can choose 1 day or 7 days to handle "Qian Shengqian" business, which is suitable for those customers who need to use demand deposits and have a large amount of deposits, but the use time is uncertain. The bottom line requirements are: the counter needs more than 50,000 yuan, and the online banking needs more than 52,000 yuan. At the same time, the current wealth management business concentrates customers' money, mainly investing in treasury bills and bills (mainly bank acceptance bills), which reduces certain risks. In addition, I also know the difference between "subscription" and "subscription".
During the internship, some unexpected situations occurred. For example, on July 23, there was a power outage for one day, which almost caused the bank's backup power supply to be insufficient. In this case of turning off the computer as much as possible and saving electricity, it has a great impact on the speed of handling business, and it also brings difficulties to the use of the numbering machine. In this case, how to stabilize the customer's waiting boredom, explain it reasonably and keep a certain waiting order has become a problem I have encountered. However, based on my previous work experience as a student, I handled this matter well and made others in the bank very satisfied.
Experience of Postgraduate Bank Internship Template 4 20xx165438+1Monday, October 28th, I left school today to attend the first day of internship, and started to be busy this morning. The traffic in Chongqing is really crowded. It takes one hour to get from school to Huaxia Bank in Jie Fangbei. When I came to Huaxia Bank Yuzhong Sub-branch, I met Yang Jingli, the account manager in charge of taking us to Yuzhong Sub-branch for the first time. After talking with Yang Jingli, I probably told us the current situation of some banks. Then Yang Jingli introduced the staff of personal business department and corporate business department of Yuzhong Sub-branch. The leaders of Yuzhong Sub-branch are very happy to see our three interns, because many of their employees also graduated from chongqing technology and business university, and because all departments of Yuzhong Sub-branch are busy at present, which is the time when there is a shortage of manpower. At this time, we came to ask them to share some things at work. The morning passed quickly. At noon, we three interns are reading the relevant materials of Huaxia Bank Yuzhong Sub-branch in the office of personal business department, and are familiar with the development history of the bank. I didn't return to my mind until I returned to my dormitory at night. I'm a senior, I'm leaving school soon, and I'm really going to work soon.
Today, with reverence, we came to China Industrial and Commercial Bank as an intern. Needless to say, China Industrial and Commercial Bank, as a commercial bank with assets in China, has long been a household name, and almost every household has an ICBC card. However, I used to handle business as an ordinary customer. Today is the first time to visit and study with the attitude of knowing the internship. I believe my feelings are different.
Corporate customers and individual customers provide diversified and specialized financial services. In corporate finance, personal finance, bank card business, treasury business, electronic banking, telephone banking and other aspects, the development scale is huge and the competitive advantage is obvious.
I focus on the position of lobby manager, mainly to divert customers, identify customers, understand consultation, product recommendation, customer communication and so on. The lobby is the beginning of customers' contact with the quality service of the bank and the first impression of customers on the bank. Guiding customers on behalf of CCB externally and coordinating teller services internally are the ties to contact customers, senior tellers and account managers. I understand that I am not only an employee, but also a spokesman for customers. I must always smile, have the quality of "empathy", be keenly aware of customer requirements, and serve customers carefully and thoughtfully.