Bank counter internship experience

The bank counter is the window for banking services. Through internships, everyone can be more comfortable at work and better provide convenient, fast and accurate services to our customers. The following is the "Bank Counter Internship Experience" compiled by me for your reference only. You are welcome to read it. Bank counter internship experience (1)

In 20xx, I walked into the xx branch with my yearning and pursuit of the financial career, where I will release the energy of youth and ignite my career dreams. Time flies, and it has been a year since I came to Nanshan Branch. In this short year, my life has experienced tremendous changes, and I have gradually matured in terms of work, study, and thinking.

In xx branch, I am engaged in the most ordinary job - teller. Some people may say that an ordinary teller can't have a career. No, he can also have a brilliant career on the counter. Excellence starts from the ordinary, perfection starts from seriousness. I love this job and regard it as a starting point for my career. As a xx employee, especially a front-line employee, I deeply feel the heavy responsibility I shoulder. The counter service is the "civilized window" that shows the good service of the xx bank system, so I serve with full enthusiasm, heart and sincerity every day, and win the trust of customers with my positive work attitude. Yes, among the employees of xx bank, Tellers are a group that directly faces customers, and the counter is a window that displays the image of the bank. The daily work of tellers may be busy and monotonous. However, when facing all kinds of customers, tellers must be skilled in operations, serve enthusiastically, and use their skills day after day. Every bit of thoughtful service allows customers to truly appreciate the sincerity of xx people and feel the warmth of doing business in xx. This kind of work is extraordinary. I am proud of my position and I ask myself to do the following: The first is to master excellent business skills and never relax in business learning; the second is to maintain good professional ethics and abide by the laws and laws of the country; the third is to cultivate harmonious interpersonal relationships and live in harmony with colleagues; the fourth is to have a clear understanding of oneself and win. Don’t be arrogant and don’t be discouraged by failure. During this period of time, I will base myself on my position, work hard, study business knowledge hard, and seek advice from experienced colleagues. Only in this way can I truly achieve results that can withstand the test of time. Little things made me deeply realize that as a front-line employee, he is destined to be ordinary, because he cannot block the muzzle of the gun with his blood and blow up the bunker like a soldier charging into the battle, leaving a heroic reputation for the world to spread. You can't even sow in winter and harvest in summer like farmers do, sowing in summer and harvesting in autumn, there is always a fixed harvest. Some of them just repeat boring operations and complicated tasks such as deposits, withdrawals, account entry, collection and release, marketing and maintenance, and welcome and delivery day after day and year after year. In this ordinary position, I deeply realize that greatness lies in the ordinary. Ordinary people can also contribute, dedicate our enthusiasm, dedicate our sincerity, and dedicate our youth. Ordinary people like us can still create a wonderful sky. Without a foundation, there will be no tall buildings, and without the ordinary, there will be no greatness! The value of life can only be sublimated and perfected through ordinary dedication. In the process of serving customers, I always insist on "thinking about what customers want, being anxious about what customers need, and eliminating customers' worries" to provide customers with all-round services. , thoughtful, convenient and efficient service, achieving operational standards, service specifications, polite language and decent behavior, leaving a good impression on customers and winning their trust. When actually handling business, on the premise of ensuring compliance with our bank's various rules and regulations, we must flexibly master marketing methods to provide customers with certain conveniences, and provide customers with personalized and fast services flexibly and appropriately. Perfection comes from seriousness. On the basis of providing high-quality counter services, we try our best to provide customers with more thoughtful services.

Because there are no picky customers, only imperfect services. In my daily work, I actively study new knowledge and new business, combine theory with practice, and master various service skills.

I start from small things. When handling business, I try to be fast, accurate, and efficient, so that customers can wait less, run less, and ask less questions, and provide customers with timely, punctual, regular, and anytime services. Youth is the most precious thing in life. time, because they are ambitious and energetic, because they dare to venture and work, and are full of vitality, because they have too many dreams and hopes. But in my opinion, the preciousness of youth also includes unremitting pursuit and team integration, and lofty moral cultivation. , and a strong will, but also to endure the ordinary, based on the ordinary pursuit of fame and fortune, and the courage to serve the sky. We are dedicating our flaming youth to the ordinary teller position. It is in this alternation of youth that the xx industry is moving step by step. forward development. Her clear growth rings will also be deeply imprinted with the imprint of our youth. Franklin famously said: "Push your career, don't let your career push you." Today I am here to promote my career, which stems from my pursuit of the value of life and my passion for financial career. Because I know that as a growing young man, only by organically combining personal ideals with the development of xx industry can we give full play to our work enthusiasm, initiative and creativity, and realize our own goals in the process of creating a better tomorrow for xx industry. value of life. Bank counter internship experience (2)

This internship, as a teller of xx Bank, not only allowed me to have a certain understanding of the daily basic business of the bank, but also allowed me to perform basic operations, and also allowed me to do things on my own The gains in terms of this are also quite big. As a student who has been studying in a simple university, this internship has undoubtedly become a platform for me to step into society and laid the foundation for me to step into society in the future.

First of all, I think a big difference between school and work is that you must have a strong sense of responsibility after entering society. When you work in a bank, you are a staff member. You must be responsible for what you do, the company, and the depositors. If the work that should be completed that day is not completed, the employee must work overtime. If an error is accidentally made, he must be responsible for correcting it. These are the duties of a staff member, and no one will sympathize with you. Or help you do the work you haven't completed. Maybe you want to complain about the ruthlessness of society, but if you can't keep up with others, you will be eliminated from society.

Secondly, I think everyone must stick to their professional ethics and strive to improve their professional quality after work. As the saying goes, if you want to work in a certain industry, you must understand the rules of the industry. Without rules, nothing can be achieved. I have a deep understanding of this from my colleagues in the internship unit. For example, some business transactions require identification documents or at least a copy. Of course, the customer who comes to the business may be someone we are familiar with, but we will also ask the other party to show their ID. When the other party complains, we are always patient. Explain why this is necessary. Nowadays, banks have become similar to the service industry, so the work attitude of employees is particularly important. I have personal experience of this. As the saying goes, when we work, we sell our service attitude.

In addition, interning in a bank, I can look at social consumption from the bank’s perspective. My clients are of course private owners and corporate accountants. Apart from economic reasons, generally speaking, large customers are of relatively high quality, speak in a relatively civilized manner, are relatively patient, can communicate, understand our work, are familiar with the process, fill out the documents completely, and have a relatively low error rate. . If problems arise, we are willing to cooperate to solve them. If manpower is tight, the people at the back of the queue will rush our staff and say that our efficiency is not high. It is a conscience of heaven and earth. That is because the depositors in front of the queue have to handle multiple transactions each, and they are relatively small. complex.

The second is migrant workers. Although most of the migrant workers look sloppy, they obey the rules and obey instructions. If they are relatively well-educated, their ability to fill in the documents is not bad, and they are willing to correct mistakes if they are wrong. They don’t have too many empty words. But when they sign, It's a bit cold-hearted. Thirdly, there are the elderly, who generally have a good level of education and are relatively civilized. Most of them make fixed deposits or deposit and withdraw wages, and their business is simple. However, some elderly people have bad tempers and poor memory, so they often have to report losses, which is troublesome.

In my impression, the worst thing is college students. Students often come in with their cards to withdraw money, opening their mouths with numbers like xx, xx, etc., and often want to withdraw the last bit of money from the card. Just give up.

It can be said that in terms of the benefits of the card, students are less than xx of migrant workers. In some areas, student cards even have negative benefits. Sometimes when you enter the door, you go straight to the counter to withdraw money, completely ignoring the queue. Among the people, students are the most , but unlike middle-aged people who consciously jump in line, these students do so completely unconsciously. Then I fill in the forms and do whatever I want, without knowing how to ask others or look at samples, or I just stand there in a daze, not knowing what to do.

In our daily life, if you go to the bank to withdraw money and are told that there is no large amount of money to withdraw, you may think that the bank is irresponsible or something, but after my internship, I found that there are There will also be a showdown between truth and lies at times, such as: We have no money here; to withdraw more than xx million in cash, you need to make an appointment by phone in advance; we have no change; this is absolutely true. Although many people will think how can there be no money in the bank?

But in fact, due to security considerations, each business branch or savings bank has its own limit and will not store a large amount of cash (except in developed areas). If there is a large amount of cash, The balance will be transported to a centralized vault for storage. If it is really insufficient, it will be shipped again. This transportation process takes time. Therefore, during certain peak periods for withdrawing money, such as National Day, Spring Festival or every morning, it is true that there is no cash. Correspondingly, for large-amount cash withdrawals, telephone reservations are reserved methods to ensure that the bank has a plan. So sometimes there is a phenomenon where there is a large amount of cash but it is not paid because someone made an appointment. Similarly, banks generally do not store large amounts of change notes. Since the size, weight and denomination of change notes are not directly proportional, xx yuan worth xx thousand yuan is much heavier than xx yuan worth xx thousand yuan.

We cannot handle loss reporting/replacement of cards (discounts) here. You need to go back to the original bank where you opened your account to handle the issue. You will come back tomorrow. And these words are basically false. In fact, as long as it is within the same region (city) (it really cannot be handled across provinces and cities), any outlet can handle it. However, these business procedures are more troublesome, so generally they are not willing to handle them, unless they are opening an account with the firm, and they cannot refuse. Similarly, it is troublesome to open a card, so I am not willing to handle this kind of business before work. There are only a few cases where there is really no card, but this kind of situation is really rare, and most of them are just perfunctory.

Finally, I feel that academic qualifications are not the most important in actual work, but they are still very important. At work, the unit mainly looks at an individual's business and communication skills. Anyone can do any job after doing it for a long time. In actual work, hands-on ability is more important.

The three-month bank internship passed by in a flash, but I learned a lot of social principles from it, and these things will also benefit me a lot. The bank internship deepened my relationship with people from all walks of life. , has shortened the distance between me and society, and also allowed myself to broaden my horizons in social practice, increase my talents, and improve my ability to adapt to society. Therefore, I realized that when the employment situation of college students is so serious, if we combine the knowledge we have learned in college with more practice and use practice to test the truth, so that a junior college student has a strong foundation for solving problems. Practical abilities and relatively systematic professional knowledge are the real purpose of our internship. Bank counter internship experience (3)

Whether a teller can handle business efficiently and quickly in accordance with regulations and provide customers with satisfactory services is crucial to their mood on the job. A good mood will make people feel that everything is beautiful and understandable. It will allow you to handle all kinds of things you encounter at the counter more intelligently and treat problems more optimistically. When you come to the counter with a happy mood, you will get along more harmoniously with your colleagues and customers around you, and your work will be more effective.

After more than two months of internship in xx, objectively speaking, I have a perceptual understanding of the knowledge I learned in school, which enabled me to fully understand the relationship between theory and practice, and also Gradually I adapted to the role transition from student to professional. The main content of my internship is system learning, savings business and basic comprehensive teller operations.

First of all, what I feel most deeply about this internship is the change in my concept. In the past, in my mind, the work of bank staff was so easy. They just keyed in front of the computer and counted the banknotes every day. I completely ignored that every job has hidden work content. Since entering Renhe Sales Department for internship, I feel that the gap between facts and reality is really far.

Due to environmental factors, the sales department has a lot of broken banknotes every day. "Breaking banknotes task" is a compound word I heard a lot after entering the internship. Bundling money, whether it is trapped broken banknotes or trapped good banknotes, is a technical activity. , especially bundling small-value broken banknotes, is an even more annoying and arduous task, and if it is a busy time, you have to make use of every opportunity to sort out broken banknotes or bundle money.

Three months have passed, but now I still have fresh memories of the situation when I first arrived at the internship unit, especially the emphasis on the bank’s work system by my seniors and leaders. The so-called system is the code of conduct for bank staff, and it is a rule that cannot be violated. Not violating the system does not guarantee that there will be no mistakes, but violating the system will bury the hidden danger of making mistakes. On the first day of my internship in the sales department, the director gave me a book on the system of a credit union, and warned and emphasized the importance of the system in every possible way. However, during the following internship process, through gradual understanding and learning, the system and norms of bank work gradually penetrated into life and work. "Checking the warehouse three times a day" is something that all staff must do every day, and it is also the most nervous time for me. Although I carry out this task every day, I always worry about whether something will go wrong every time I almost finish the work. Although no errors have occurred so far. The work of the bank does not need to be marketed. If there is more or less, even a dime is a big deal (except for special cases). This shows that there are errors in the operation process and denies the completion of the work.

During this internship, delegation was the most impressive task for me. Whether it is local authorization or unified authorization. When xx builds a process bank, standardized systems, unified operations, and process-based operations are inevitable, and the existence of authorized departments is very important. However, for tellers, the authorization system is indispensable for daily operations such as every payment, business transactions of more than 50,000 yuan, or basic card operations. The existence of authorization also made me indirectly understand why it is necessary to ensure that more than two staff members are on duty at a time. This is not only a need for the system, a need for mutual supervision, a need for safety, but also a need for basic work to be completed, because some businesses must To obtain local authorization, there must be a supervisory teller.

Regarding the banking system, it is not enough to understand it, but it must be implemented well and thoroughly. For the accident in which the amount of xx million was turned into the amount of xx million that we often heard during this internship, it is a specific example of the banking system not being implemented. It is also something we must take warning from. This requires us to be more practical in practice. During the operation process, both the teller staff and the authorized teller must carry out the procedures seriously, carefully and step by step.

In this more than two months of internship, counter operations are basically a reflection of my daily life. For more than a week in the beginning, I was in the chaos of memorizing the operation code every day - xx... A few seemingly simple numbers made me confused, and as long as I didn't operate for one day, I would forget the business. The operation code, for this matter, has been reprimanded. Fortunately, the exploration process was very short, and I gradually became familiar with the operation of the basic business code. However, at the beginning of the internship, there are several basic skills that every teller must possess, that is, binding banknotes, counting banknotes, and passing banknotes. At first, I thought these were very simple, but after the actual operation, I found that it was not simple at all. When bundling banknotes, the money must be neatly arranged and folded, and when bundling banknotes, there are requirements for the position and tightness of the bundle; and counting banknotes is even more technical. So far, I have only learned how to position the banknotes. With two fingers, I can’t match the many ways of counting money that many predecessors have. As for passing money, although money counting machines are now used, the position of the money is very important when passing money. If If the position is wrong, it will keep ringing and stopping...

In the process of counter operations, because of xx’s current business needs, it is basically the service business for rural areas and farmers, and for interns For me, my daily business is basic savings business, loss reporting, password setting, and reset on cards and passbooks at the counter, as well as a small amount of personal wire transfer business, etc. When I first started my internship at the counter, I was cautious no matter what I did. I was always afraid of making mistakes. I would always look back at each operation to see the expressions of the seniors who took me to the internship. Moreover, the operation process and time were very slow, and I faced various tasks. There were a lot of jokes with various customers and businesses, but after gradually becoming familiar with the basic operations, I was basically able to operate independently.

But because I am not a professional accountant or financial professional after all, I still don’t understand many business vouchers so far. I can only understand some simple accounting subjects and vouchers. I hope to gradually become familiar with it in future work and be able to operate the business better. Because the internship position is for personal savings business, I am not very familiar with many corporate accounting services. However, as far as I am concerned, I still hope to learn more about accounting services in my future work and develop myself as comprehensively as possible.

The internship was very short, only lasting more than two months. But in just over two months, I personally feel that I have gained a lot, not only in work, but also in life.