First of all, I am very grateful to FAW Finance Company for giving me this internship opportunity, which allowed me to get in touch with the finance company for the first time. During the internship, I also deepened our understanding.
My internship has gone through five departments, namely Northeast China, Automobile Business Management Department, Personal Evaluation Center, Corporate Business Management Department and Corporate Business Evaluation Center. The internship content of each department has its own characteristics, and I have learned many different things from each department. Here I will introduce my internship and learning achievements in various departments.
Northeast China: The main job of Northeast China is to assist the account manager to make an on-site inventory of 4S stores, verify the sales and payment of dealers, and supervise them. As a direct customer-oriented department, Northeast China has given me the opportunity to contact customers. My master is the account manager of corporate business and personal business. My master, Brother Leng, is in charge of the business part of the company. When we first arrived here, we learned about the credit products provided by our company to our customers. Just-in-time has been exposed to standard credit and standard credit before, but it is the first time to see this product. I am very excited. When I understand its usage, I realize that JIT not only provides customers with revolving credit lines, but also can strictly control the risks of financial companies. When taking stock of dealers, I deeply realized that risk control is not only digital reasoning through mathematical models, but also careful design and strict implementation in all aspects of business processes.
Automobile business management department: learn the classification system of asset risk management in automobile business, classify assets according to the provisions of the system, and summarize the characteristics of various abnormal assets in combination with the characteristics of various asset customers.
Personal evaluation center: learn the evaluation methods of individual customers, from the beginning, there is no way to start, to the later template analysis, and gradually change to specialization. The biggest feature here is that we won't be given a fixed routine for us to analyze at first, but let us play freely and start credit evaluation of individual customers according to our own experience and ideas. At first, I looked at the information in the case, but I really didn't know where to start and where to consider it. After my own experiments and the examination questions of the masters, I gradually touched the steps of personal evaluation. If you analyze the case in this way, you will find that you have not fully considered the problem, which will be very impressive. This form of internship also reflects the company's good intentions.
Company business audit center: analyze the financial statements of sample dealer companies and learn the methods and standards of company audit. What is used here is the basic knowledge of financial management, which is a bit unfamiliar at first, but after memories and efforts, I find that many things are not simple. The working experience here is that the requirements of financial companies for financial knowledge are really unusual. In addition, some of us think it's sorting out data. There are many EXCEL skills used here, such as IF function and V_LOOKUP function, which have never been touched before. Here, I have conducted in-depth research and study on the usage of EXCEL, and I also feel that I need to further strengthen my financial knowledge and computer level.
Corporate Business Management Department: Learn the Measures for the Administration of Automobile Credit, the Measures for the Administration of Finance Companies and the Workflow of Business Management Department of Finance Companies, and get a general understanding of the business scope, product structure and business process of finance companies from the system provisions. In fact, here I have a deep understanding of China Banking and Insurance Regulatory Commission's specific business regulations for auto finance and finance companies.