Three papers on bank internship experience

After the internship in the bank, I want to talk about my personal experience in combination with my own situation. This article is a model essay on ba

Three papers on bank internship experience

After the internship in the bank, I want to talk about my personal experience in combination with my own situation. This article is a model essay on bank internship experience.

Bank internship experience model:

Now I have been practicing in a bank for more than 20 days, and I have accumulated some experience. To put it bluntly, the job of a bank is to deal with money, which will be boring after a long time. Here are some of my feelings, hoping to be useful to others.

Lesson 1: Banks are pragmatic places, so don't be smart.

Now people have basically formed a kind of knowledge: enterprises and leaders like smart subordinates and know how to be flexible. This statement naturally makes sense, but it is not applicable everywhere, such as banks. You don't need a high IQ to work in a bank. On the contrary, what it values most is the down-to-earth, diligent and meticulous employees. Many businesses, such as dealing with retail housing or provident fund loans, repeat simple processes most of the time, but require high patience and meticulousness of employees; For example, copying the contract, the general housing loan contract is in quadruplicate, and the bank, lender, guarantor and notary office each hold one copy. If there are mistakes in the process of copying the contract, such as copying the wrong number, it will have serious consequences. Moreover, it usually involves a large amount, and a slight clerical error will bring great losses. People who are just starting to do it, like us interns, must not be smart when encountering uncertain places, even if it is simple, because many details are not taken for granted and have their own strict rules. I once made a mistake; When I copied the receipt for others, I accidentally wrote the wrong number in the debit account column. I didn't even think about crossing it out and rewriting it, because I thought I could erase it if I made an occasional mistake in copying the contract before-this is a terrible inertia of thinking! As everyone knows, the official receipt of the bank cannot be discredited! Even if one number is wrongly written, it should be rewritten with another. Fortunately, the aunt who took me behind found it in time and asked me to rewrite it, otherwise it would be really troublesome and sweat-consuming ~ but it caused great trouble to me who didn't like numbers. Afraid of copying the wrong amount, I have been staring at the original text and dare not move. After copying, you have to point to it again. All morning, my eyes hurt badly and my scalp was numb. .......

Lesson 2: Questions don't have to be "diligent", but they must be "clever".

At this point, I boast that I have done a good job. Many seniors have warned new interns to ask more questions and study hard, but I think they are only right in one aspect: asking questions is not necessarily a lot, but it should be clever. The so-called coincidence is to find the right time to ask, ask in a targeted way, and ask the best of both worlds, saving a lot of trouble. People who work in banks are usually very busy, and even the master can't always be by your side, let alone being pestered by you to ask questions. For example, if you encounter doubts at work and your host is busy making phone calls or receiving customers, will you bother him at this time? Obviously impossible. You might as well save your questions and ask them again when you are free. Of course, many people know this. However, it should also be noted that people's personalities are different. You are lucky to meet a patient teacher, but some people don't like being chased and asked questions. What should we do? In fact, there are still many solutions, such as asking other people, or finding similar materials to copy or something. Mainly depends on what people say, don't offend people easily.

Lesson 3: Since you are an intern, you should be prepared to do odd jobs. But you can't just do odd jobs, you have to be a "willing heart".

I used to listen to people practicing, and I felt envious. It seems that he can enrich and learn a lot of knowledge every day, but it is not. In many places, internships are simply assigned some simple jobs, which makes people feel that their self-worth is nowhere to be reflected. But think about it carefully: regular employees do nothing more than these things every day, let alone an intern. I'm fine. I started to copy the contract for them. There is basically no technical content. When I am familiar with the process, I will bury myself in writing. At first, I felt bored. I copied the contract and vomited blood. Originally, I just wanted to finish it quickly, but later I found that I could learn something from seemingly mindless work as long as I put my heart into it. Most of my contacts are personal housing loans. There are many contents in the contract, for example, some terms are the same. Take my domestic bank as an example: it has the following two restrictions on prepayment: 1, 12. Repayment can only be made in advance after normal repayment. 2. The prepayment amount shall not be less than 10000 yuan each time. In fact, this is mainly to limit the occurrence of prepayment. For another example, different banks have different regulations on the mortgage rate of housing mortgage loans. Some mortgage interest rates cannot be higher than 60%, while others cannot be higher than 70%. When the loan risk is high, the upper limit of mortgage interest rate will be low. These are the details that you usually notice when copying a contract. Remember that you can also learn a lot of financial knowledge when you go home and check online later.

Others include interest fluctuation, credit cycle, bill discount, provident fund loans, etc. All of them are noticed from the usual information or the conversation of the staff, thus becoming their own knowledge.

Therefore, learning should really be a positive process. If you don't take the initiative to seek knowledge, can't you wait for others to take the initiative to instill it like a school teacher? I have made great progress in this respect, but there are still some shortcomings, and there are many places to improve.

Lesson 4: Find something for yourself in your spare time.

The bank internship is not as busy as I thought. At the end of each quarter, especially at the end of June, it is usually very busy, because there is an annual report to be made and people who apply for mortgages are relatively concentrated. This time is the busiest time. In my impression, I can receive about a dozen customers a day some time ago, plus the materials piled up before, but I just don't have a pair of hands. But in the off-season, I am also very idle, and there is basically nothing to do. Staff always have tasks, but interns are different. You can go to work naturally when you need help. Once there is nothing to help, you are completely idle-after all, you are not a regular employee, and there are some things you can't do. At this time, I am bored in the office, nobody cares about you, and it is not easy to leave. What should I do? Wandering around the office, afraid of interfering with others' work; Sitting there is silly, and it is easy to leave the impression that the leader is ignorant. Now is the time to embody a person's spirit of seeking knowledge! ~ ~ There are many files in the offices of general banks, both personal and corporate. The convenience of interns is that they can be allowed to browse these materials. When I have nothing to do, I often go to the thick file cover next to my desk to browse the information, which also benefits me a lot. Once when I looked around, I saw a filing document of a large enterprise loan. I looked at it curiously: a thick stack of documents recorded all aspects of the enterprise, the approval process of the enterprise loan and the reasons for granting the loan in detail. Only then did I know that the audit of enterprise loans is so complicated, including investigating the management structure and execution mode of enterprises, the value of real estate used for mortgage, and analyzing whether the first and second repayment sources of borrowers are sufficient. These are not enough, often followed by the annual financial statements of enterprises: balance sheet, income statement, cash flow statement. Ha! ~ now all the accounting knowledge learned in school can be used. I can easily understand these statements, and I am basically familiar with the subsequent data and various ratio analysis. It can be seen that the professional knowledge of university science is bound to be useful. Internship experience | Securities company summer internship experience | Automobile beauty internship experience | Travel internship experience | Newspaper internship experience | Pediatric nurse internship experience | Kindergarten internship experience | Foreign trade company customs declaration internship experience |

The above are some preliminary experiences of my internship in the bank for a few days ~ my personal feelings are still relatively real. But after a period of internship, I gradually felt some defects in my banking system. The simplest, such as copying the contract, I can't figure out why it must be copied manually. Since the four contracts are exactly the same, why not print them directly? I'm sure it won't take much pen and ink. Handwritten words are easily mistaken, causing great inconvenience. Of course, the following information will be submitted by the staff to the superior for review and decision on whether to issue loans, but this is just a formality-if some cumbersome steps are omitted, it will not only be short in cycle, but also efficient and save a lot of labor costs.

There is also the appalling waste of paper in banks: I once copied documents for people, and when I stood in front of the copier, I saw the crumpled and copied documents all over the floor, which were discarded as waste paper or directly thrown into the shredder-some of them were even almost blank! I feel depressed and distressed when I see stacks of good white paper being wasted like this. . . Of course, the cost of these blank sheets is negligible for banks, but it is undoubtedly a huge waste of resources ... It seems that the goal of sustainable development in China has a long way to go!

In addition, it is worth mentioning that in the process of handling personal housing loan business, I found that the mortgage ratio of most residents in our city is too high-the average mortgage ratio is as high as 69% in the contract I handled alone! Many people don't have a high monthly income, but the house they buy with loans is getting bigger and bigger. ......

The bank has a rigid rule that the monthly income must be at least twice the monthly payment, which not only ensures the stability of the monthly payment, but also ensures the source of life of the repayment person. But I personally don't think this is a foolproof method: because many borrowers don't have stable jobs, civil servants and institutions are still good, and it's hard to say for some individual industrial and commercial households. Moreover, the general loan period is more than ten years, and the longer the time, the more dangerous it is. . . As a bank, of course it doesn't matter. Anyway, there is housing as mortgage, but for ordinary residents, I hope you will think twice before applying for housing mortgage. In any case, the excessive mortgage ratio is a dangerous thing after all, so I don't think the bank's control in this respect should be too loose.

That's all I feel at present ~ I hope I can learn more in my next internship.

Bank internship experience model:

First, the internship unit profile

Agricultural Bank of China is a first-class legal person, which implements the general branch system. The head office is the center of business decision-making, risk control, internal supervision, financial accounting and human resource management. The head office and branch are non-independent accounting units, which carry out business management activities within the scope authorized by the head office and are responsible to the head office. Agricultural Bank of China vigorously implements the strategy of forcing talents, and strives to explore and establish an incentive and restraint mechanism for human resources that meets the requirements of modern commercial banks. Attach great importance to the recruitment, training, selection and application of talents, and constantly improve the scientific, institutionalized and standardized level of human resource management.

In XX, the talent training project was officially launched, and a five-year plan for the talent training project was formulated. The construction of "three teams" of management, professional technology and post skills talents and the cultivation of "five types of talents" of decision-making talents, management talents, professional and technical talents, marketing talents and post operation talents are the focus of all-inclusive talent team construction. Focus on building an organizational system of full-time, full-time and lifelong learning &; Management system, constantly improve the overall quality and structure of employees, and strive to build a learning bank. Attach great importance to employee training and constantly improve the overall quality of employees. On the basis of organizing all-staff training, focus on cultivating middle and senior management talents &; Professional and technical personnel training, completion of emba core course training for senior managers, careful organization of overseas training for senior managers, multi-channel enrichment of training methods, improvement of training quality, and substantial progress in distance training network construction.

Second, the internship experience and experience

From 7.2 to 8.2, I was lucky enough to enter Laiyang Sub-branch of Agricultural Bank of China for an internship through the interview. Although the internship time is not long, during this precious time, I learned a lot, enriched and practiced the theoretical knowledge of the university, and at the same time deeply felt my lack of knowledge and strengthened my belief in active learning. At work, the change of work attitude is an important asset in my life. "The technical level can only make you reach a certain level, and a serious and responsible attitude is the real magic weapon to improve you." A word from the director taught me the first lesson of internship. During the internship, I studied with an open mind, worked hard, completed the task seriously, and established a good relationship with my colleagues, which was unanimously recognized by the employees in the industry. During my internship, I studied various cases of the reform of Agricultural Bank of China, and found the problems in the reform.

Learn the corresponding theoretical knowledge and various files from the director.

A few days before the internship, I mainly studied with the director. On the one hand, I have to learn the relevant practical operations, among which accounting accounts for the majority. I have to consolidate my existing knowledge and learn new knowledge. On the other hand, I have to study the relevant documents issued by the People's Bank of China. Combined with China Agricultural Bank Finance News, Financial Research and other magazines, understand the direction and trend of bank reform. This year is a crucial moment for the reform of the four major commercial banks. There are many measures to reform banks. What factors led to the change of policy? Proceeding from reality, the Agricultural Bank of China has reformed the existing system. From 9. 1, China Agricultural Bank will start to use abis, the comprehensive application system of China Agricultural Bank. In terms of business operation, strengthen bill settlement management. Starting from 7. 1, the new version of bills and settlement vouchers will be introduced. Compared with the old version, what are the requirements of statement users? What changes have been made to the corresponding regulations? Financial trends, analyzing the opinions of financial experts, and paying attention to the reform of RMB exchange rate-since July 2, XX, China has started to implement a managed floating exchange rate system based on market supply and demand with reference to a basket of currencies. The RMB exchange rate is no longer pegged to a single dollar, forming a more flexible RMB exchange rate mechanism. The reform of non-tradable shares, especially for Wu Jinglian's five views on the stock market-China stock market is not allowed to be black; * * * market support, state-owned enterprises circle money to ruin the country and the people; China stock market is a bubble; China stock market is determined by * * *, and the policy is unpredictable; Thousands of points should not support the market and compensate the unfair debate of tradable shareholders. In terms of product management, how do commercial banks try to carry out mixed operation step by step-bank certificate 1 * * *, bank fund number issuance. In credit management, paying attention to the changes around us, the merger and reorganization of companies, and the rising costs and prices of iron ore, crude oil and labor will all affect the credit quality of enterprises.

In my study, I deeply feel that learning is to improve, improve quality and strengthen my responsible attitude towards work. Every employee has the right and obligation to study! Because among the four major commercial banks, the reform of Agricultural Bank of China started late, and there are many problems-low asset-liability ratio and many bad debts. The asset reserve ratio is also the lowest. Therefore, as an employee of Agricultural Bank of China, we should treat the reform with a positive attitude and fulfill the responsibility of an employee with practical actions in the reform.

Second, learn from the salesman.

While learning all kinds of related knowledge, I also actively learn from salesmen. Because the bank now implements the teller system, I have no chance to operate it, but it is from the study next to me that I have learned something outside of work. When banks put forward the principle of changing from product innovation orientation to customer orientation, it is the biggest challenge and test for salesmen. A salesman requires not only skilled business operations, but also how to communicate with customers and how to serve them. Service is better than management, and a good manager is a good server. At first, for that kind of newspaper, the manager's life with a cup of tea was completely changed here. Newspapers are a means to understand customers and banks. Tea is for customers. "Establish a learning organization and strive to be a learning employee". The diligent learning spirit of every employee promotes the extensive development of banking business.

Third, learn from the account manager.

The quality of customer resources determines the profitability and competitiveness of the banking business structure. Implementing customer knowledge management can improve the development and utilization of customer resources. During my internship, I summarized the structure of customer knowledge management and enriched it with theoretical knowledge and time.

Improve the relationship between banks and customers, expand business space and develop profit sources. While serving customers, I understand and comprehend how the Agricultural Bank of China makes use of the scarcity of capital in the case of large total assets but insufficient capital. It is the pursuit of every customer to get the maximum benefit with the minimum economic cost. Capital's pursuit of profit determines that capital is restless, and only innovative financial products can save economic costs.

Third, the problems in the reform.

A mechanism * * * problem

As an intern at the Agricultural Bank of China, I heard a story about how a person started a business with 20,000 yuan. He gave the 20,000 yuan to the president of the branch and invited him to dinner, thus obtaining a loan of 200,000 yuan. He used this 200,000 yuan to buy a car and gave it to the son of the branch president, and invited the president to have dinner, thus obtaining a loan of 2 million yuan. I don't want to talk about whether this man has made a fortune. Let's talk about this bank loan system. Nowadays, the banking industry is monopolized, and the loan presidents are all appointed by one person.

Second, the issue of income distribution

At present, all banks have formulated many distribution mechanisms under the banner of reform, including head office, provincial banks, city banks and county banks, which are euphemistically called "performance appraisal" and "distribution linkage". Its essence is to concentrate and redistribute everyone's wages. Only three or four hundred yuan of living expenses are paid every month, and then tasks are assigned from top to bottom. There are always unfinished projects at the grassroots level, so your salary can't be paid in full. Even if you overfulfil the tasks of other projects, you won't get more rewards; Or you have completed the task in an all-round way, even the benefits have increased greatly compared with the previous year, but you still can't get the full salary because your superior supervisor has not completed the task in an all-round way. This leads to a joke with China characteristics. The profits of grass-roots banks have increased, but the wages have decreased. In other words, no matter how you work for those employees who create value and profits at the grassroots level, you can't take away your salary. So what is the reason for the above strange phenomenon? Its essence is to "circle money" at different levels! In other words, the hard-earned money of the grassroots employees under the "circle" of the superior management bank is yours. So why do superior behaviors do this? Self-interest! The * * * mechanism under the cover of enterprise name makes it possible! Imagine, if every employee gets his own salary, can the superior bank and management get more? Take behavior g for example. In a city bank located in a backward province in northwest China, the annual salary of the president can be 200,000 to 300,000, and the annual salary of the vice president can be 10 to 200,000. The governor can get 500 thousand to 800 thousand; The provincial manager can take 10 to 200,000; Ordinary employees of provincial banks can get 60,000 to 80,000 yuan; Not to mention the annual salary of the president and manager of the head office. First-line grassroots employees only get 1 to 20,000 yuan. For this 1 to 20000 yuan, you have to go to the outlet in advance every day, postpone work every night, sacrifice overtime on weekends, and add marketing tasks of various deposits, funds, insurance and various cards to get it. The total wages of ICBC approved by the Ministry of Finance are relatively fixed and increasing year by year, so the superior bank can only deduct the wages of the employees of the grass-roots bank layer by layer and redistribute them through performance appraisal, so that the high salaries of the presidents, managers and employees of the superior bank will be settled, and the relevant departments can't find out whether they are getting high salaries. In fact, performance appraisal is synonymous with the exploitation of employees at different levels, and it is a fig leaf for a few people to legalize money sharing in the name of enterprises. This is why grass-roots workers will be miserable when they hear that new reform measures have been introduced. When they are robbed of a layer of oil, the leaders will cut another piece of meat when they are overjoyed. You will know that the bank reform in recent years, especially the reform of G Bank, has brought the psychological imbalance that the heavier the task, the greater the responsibility, but the lower the salary, except for being laid off, diverted, bought out, retired and reduced the salary. What brings to the rulers and managers is a doubling of wages. How can such so-called reform workers support it and how can leaders not like it?

Third, to change and solve the above problems of banks and improve their profitability, we must first solve the historical burden.

At the same time, the most important thing is to improve management level. At present, in the management of banks, in fact, many decisions are scattered, and low-level decisions may affect the quality of risk management. The low management level of China's banking industry leads to the existence of mechanism problems, and two-thirds of non-performing loans are generated by subordinate branches. At the same time, the people-oriented management thought has not been established, and a perfect assessment mechanism and incentive mechanism have not been formed, which makes the income distribution affect the enthusiasm of employees in a certain period and within a certain range.

Fourth, contact with professionals

At present, banks have changed from administrative management to operational management, and various banks have begun to develop and build application and management systems, which shows that the focus of bank informatization construction has changed from an extended suite of integrated business systems to a management information system with management level, and the goal of informatization construction has changed from improving business processing efficiency to improving business decision-making and comprehensive management level, because ABC's own understanding of management started late. So there are many management problems.

The essence of management informatization is to apply the deep content of management to the process of informatization, which inevitably involves process reform and adjustment of the interests of management subject and object, so there is great resistance. Moreover, China's banking industry now only focuses on increasing the types of business and how to improve the efficiency of business processing, and has little involvement in the cost management of back-office management. Therefore, the establishment of a powerful bank background management information system, including financial management and human resource management, has become the main theme of reform in the next few years.

Two institutions with similar functions are set up repeatedly; Different goals between departments hinder the integration process; Managers are unfamiliar with all kinds of business products and blind in business operation. Therefore, it is suggested to use the division system instead of the matrix system for flat management.

3. Fine vertical division of labor, long management chain, low overall service efficiency, many horizontal departments, single function, low overall service capacity and low human resource allocation efficiency.

I think that reform needs a strong reform team, and effective incentive and restraint mechanisms, competition mechanisms and salary assessment mechanisms can mobilize people's enthusiasm. In the reform, we should also pay attention to the principle of cost-effectiveness and the principle of combining responsibility with rights.

Verb (abbreviation of verb) abstract

"What you get on paper is superficial, and you never know what you have to do." During my short internship, I deeply felt my shallow knowledge and lack of professional knowledge in practical application. At first, I felt at a loss about some jobs, which made me feel very sad. At school, I always thought I was doing well. Once you come into contact with reality, you don't know how little you know, and you really realize the meaning of "endless learning".

A journey of a thousand miles begins with a single step. This short and substantial internship in the past month, I feel that it has played a bridge role for me to go to society. Transitional role is an important experience and step in my life, and it will also be of great help to my future work. Some basic principles of being a man, such as asking for advice with an open mind, observing organizational discipline and unit rules and regulations, and communicating with people in a civilized way, should be conscientiously implemented in real life and good habits should be cultivated constantly in real life.

Internship has both bitterness and sweetness. There are multiple thresholds on the smooth road, which are both challenges and opportunities. This threshold may be an obstacle or a ticket to another world.

At the end of the internship, when I looked back at the green ears of wheat and saw smiling faces full of enthusiasm, I knew there was still a lot to learn in the bank!

Bank internship experience Fan Wensan:

20 15 has passed, and I have been in the big family of ICBC for half a year. Thanks to China Industrial and Commercial Bank, Luzhi Business Hall and Yongqian Sub-branch for giving me the opportunity to study and exercise continuously in the past six months. At the beginning of the new year, in order to lay a good foundation for this year's work, I summarize the training and work in the past six months:

First of all, a month's internship in Luzhi Business Hall gave me a preliminary and vivid understanding of the cash counter work in the bank. And it was practiced under the guidance of master Wei Guoxiang. It is this effective contact that enables me to quickly get familiar with the knowledge and skills I have learned in the follow-up training and successfully complete the training task.

Secondly, during the induction training for new employees, as the team leader of Liuzhou Branch, with the support of the deputy team leader and colleagues, I worked hard to create a learning atmosphere, actively participated in various activities, and successfully completed the training task. We not only won the second and third place in the balloon volleyball league, but also achieved excellent results in the final exam. Another colleague and I won the Outstanding Student Award, and I am honored to speak at the graduation ceremony as a representative of outstanding students. Through training, I learned the basic knowledge of ICBC, got a comprehensive understanding of various businesses of ICBC, and mastered some basic skills of counter work, which laid the foundation for future work. During the training period, I got along with my colleagues day and night, which made me form a deep friendship.

Thirdly, after two months of internship in Yongqian Sub-branch, with the help and guidance of my predecessors, I really grew into an independent teller through continuous practice and continuous learning. Yongqian Sub-branch is located in the community center, with busy business and large daily passenger flow. On how to deal with counter work, I summarized the following points: First, be cautious, guard against arrogance and rashness. When dealing with money, we must maintain a high degree of concentration, otherwise a member will cause unnecessary losses. Even if you don't make mistakes for a long time, you can't be careless. You should keep a normal heart and take every business seriously. Don't relax because of simple procedures, and don't be careless because you feel good about yourself. Second, relax and be kind to every customer. For the inconvenience of various activities of elderly customers, we should wait patiently and smile to dispel the tension of the elderly. For arrogant customers, we should also use a smile to calm their irritability. I found that smile is the magic weapon of service work, and a smile is often worth 10 sentence. The customer is a mirror. If you smile at her, she will smile back at you. Third, persist in learning and master all the business in an all-round way. Customers will ask all kinds of questions. As a counter staff, it represents the image of ICBC and is the window of ICBC. If customers can't get the answer here, they will naturally think that the bank has improperly employed people and left a bad impression on ICBC. Moreover, the vast number of customers at the counter are potential high-end customer groups. If they are skilled in business and have comprehensive knowledge, they can publicize ICBC's new policies or new products to customers in time and seize every potential resource. Fourth, consult modestly and take notes frequently. If you have any questions you don't understand, you should ask the seniors in the institute for advice. Every time you solve a problem, you should take a notebook and write it down so that you can solve it smoothly next time. A good memory is not as good as a bad one. Read more, remember more and listen more, and personal business ability will be improved in a subtle way.