What is the difference between the practice summary of China Construction Bank and other banks? Take a look at the following model essay on the internship summary of China Construction Bank that I compiled for you. I hope it will inspire you!
Part I: Summary of some practices of China Construction Bank.
First, the purpose of internship
Graduation practice is a process that we college students must go through, and it is an important way to combine theory with practice. It enables us to understand society in practice and consolidate knowledge in practice. Internship is also a test of our graduates' professional knowledge. It makes us learn a lot of knowledge and skills that we can't learn in class. It not only broadens our horizons, but also increases our knowledge, laying a solid foundation for us to go to society, which is the first step for us to go to work. This internship is mainly to be familiar with the basic operation process and loan products of bank loans, enter the enterprise practice, learn the operation mode of enterprises, combine theory with actual combat, guide actual combat with theory, and test theory with actual combat. Through practice, I can get in touch with the society and get to know the enterprise before graduation, so as to prepare for my better job search and better integration into the society.
Second, the internship time
XXXXXx year x month x day to XXXx year x month x day
Third, the internship unit profile
China Construction Bank is one of the four state-owned banks and an important part of China's financial system. Its headquarters is located in Beijing. In China, China Construction Bank has branches all over urban and rural areas, with strong financial strength and complete service functions. It is not only trusted by customers, but also has become one of the largest banks in China. Overseas, CCB has also won a good reputation through its own efforts, and was rated as one of the top 500 enterprises in the world by Fortune. Putian Branch of China Construction Bank has always supported Putian's economic development and played an extremely important role in local economic construction. With a beautiful environment and rich financial products, we will wholeheartedly provide all-round and high-quality financial services for all kinds of enterprises, institutions and individual customers in cities and towns.
? China Construction Bank, Building Modern Life? It is the concentration of CCB people's ideas and pursuits. Entering the 2 1 century, CCB will seek a broader service field with excellent performance and continuous innovation.
And development space. Its business philosophy includes the following four points: 1. Business philosophy: market-oriented, customer-centered. 2. Service concept: customer first, attention to detail. 3. Risk concept: understand customers, understand the market, involve all staff, and seize the key. 4. Talent concept: pay attention to comprehensive quality and highlight performance benefits. The following is the organization chart of Fujian Branch of China Construction Bank:
Fourth, the internship content and process
My internship in Putian Branch of China Construction Bank is as follows:
(1) Learn the basic theoretical knowledge and various documents related to banking from the instructor.
A few days before my internship, I mainly learned the corresponding theoretical knowledge and various documents related to banks from my teachers. On the one hand, we should learn new knowledge, on the other hand, we should also learn relevant documents issued by the People's Bank of China. Combined with China Bank Finance News, Financial Research and other magazines, we can understand the direction and trend of bank reform. The innovation and progress of banks are the basic conditions for competition with foreign banks. Therefore, banks should establish a sense of competition and service from top to bottom. At the same time, through internship, we can learn about the bank's business. CCB's business structure is diversified, including corporate business, personal business, fund business, online banking and credit business. My internship is mainly in credit business, including many kinds of loans, and I will learn the basic operating procedures and precautions of these loans.
(2) Credit business
Due to the current actual situation, small and medium-sized enterprises have difficulty in financing. Although the central bank has repeatedly issued plans to encourage banks to lend to small and medium-sized enterprises, every bank has strict internal controls. The same is true of CCB.
Therefore, banks have also invested in personal loans. It should be noted that the bank's personal loan business is not to lend money directly to individuals, but to sign certain agreements with merchants. In fact, it is to lend money to merchants, and then merchants sell goods to individuals, and individuals repay them to banks. When signing an agreement with a merchant, the bank examines whether the merchant's documents are complete. Individuals should provide relevant income certificates and identity certificates to the bank. Generally, the purchased subject matter is used as collateral, and the most common ones are chattel mortgage (such as car loan) and real estate mortgage (such as housing loan). The credit department implements a separate system of loan approval, that is, the development of loan customers and the staff who specifically issue loans and review the possibility of loans perform their respective duties.
(c) Learn basic banking operations from the comprehensive teller.
While learning all kinds of related bank knowledge, I also actively learn the basic operation of the bank from the comprehensive teller. Because the bank implements the teller system now, I don't have the opportunity to do real-time operation, so what I can do is to combine the skill operation during training with the operation of comprehensive teller, find out the difference between them, and record the transaction code and analysis code of different business types, as well as the types of special business. But I also learned a lot from studying nearby. 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. ? Create a learning organization and strive to be a learning employee? The diligent learning spirit of every employee promotes the extensive development of banking business. Through the contact with the salesman, I also learned about the operation process and savings business of the bank. The teller responsibility system is implemented for savings business, that is, each teller can handle all savings business, that is, opening an account, depositing and withdrawing cash, reporting loss, canceling reporting loss, exchanging large and small banknotes, accepting intermediary business and foreign exchange business, etc. For each business, I have learned the transaction code and operation flow of its abis system. Business can be divided into two categories: single discount system and credit card word system. In addition, I also learned abis account rolling and end-of-business intermediate business account rolling, and learned how to print running water, account balance report, sales table of important blank vouchers and detailed list of important blank vouchers to check whether the summons number is accurate and the voucher elements are complete. And understand the significance of supervision and post supervision.
Verb (abbreviation of verb) Reflections on the management post of Putian Branch of China Construction Bank
Deposits and loans are the most primitive and important business of banks. We must make effective use of deposits and create maximum 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 X personal loan account managers and only X company account managers. In contrast, the personal loan business volume is far less than that of the company. In this case, the loan account managers of various companies often have to deal with X-X customers, and the account managers are often too busy, 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 the branch office for marketing skills training from time to time, and encourage business personnel to implement it? Go out? Strategy. In recent years, the grand occasion of urban construction and economic development in Putian is obvious to all. Under the guidance of the government's preferential policies, more and more enterprises are stationed in Putian, 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. CCB should take advantage of this good external business environment, take the initiative to attack and preempt marketing, and constantly develop new customers while firmly grasping old customers.
Finally, risk management is always unremitting. The ultimate goal of lending is to make a profit. The heavy historical burden of the past has sounded the alarm for us. A good army should not fight unprepared battles, but should strictly manage risks, especially shift post-event control to post-event prevention. Legally speaking, it is better to punish crimes afterwards than to prevent them beforehand. However, strictly grasping risks does not mean sacrificing profits, and can provide financial services to customers to the maximum extent under the guidance of principled concepts. ? Product-centric? What is the undifferentiated and unitary credit management direction? Customer-centric? The reform of personalized management.
Sixth, the internship summary
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.
This internship also made me deeply understand that it is very important to maintain good relations with colleagues at work. To do things, we must first learn to be a man, understand the truth of being a man, and how to get along with others is the most basic problem in modern society. Discover the importance and necessity of learning and communication. I found that some interns get along with teachers like friends. Teachers like to ask them for help in everything, so they will be the first to think of them. It's not that they flatter or have backgrounds. It's that they get along like friends. On the other hand, a person has a lot of information and skills, and there are many places where he can help others. The more you help others, the more people will be willing to help you. You have a wide network of contacts and you have more and more information. This forms a virtuous circle. To change a person's behavior, we must first change his mind. Many times, you will get what you want from others. I am deeply aware that I can't be lonely anymore. Lonely, others don't take the initiative and ignore themselves. Put yourself in your own small space. I always worry about other people's opinions and find others difficult to approach. An open attitude makes people grow faster and better.
Part II: Summary of some practices of China Construction Bank.
On XX, XX, 20XX, I came to XX Sub-branch of China Construction Bank with excitement and gratitude, and became a full-time employee of CCB. In a blink of an eye, I have been in XX branch for more than two months. In order to better carry out the work in the future, the work at this stage is reported as follows:
I. Work of branches
I reported to XX Branch of China Construction Bank on XX, XX, and arranged the personnel files with my colleagues according to the unified arrangement of the human resources department of the branch. In my spare time, I studied the staff compliance manual of CCB, counter English and some basic business knowledge of CCB. Through the study, I have a preliminary understanding of the company's business.
Second, the network work
In X month, I was officially sent to XX County Sub-branch for English service. In the first two weeks of working in XX County Sub-branch, my main job was to assist the lobby manager in his work. In XX County Branch, an early meeting is held every morning, the main purpose of which is to summarize the work achievements of the previous day and clarify the work tasks and goals of the day. At the morning meeting, the director will praise the employees who made outstanding achievements the day before and encourage everyone to make persistent efforts. Through the morning meeting, everyone will devote themselves to their daily work with full enthusiasm.
As a lobby manager, the most daily job is to serve customers? Greeting, parting, moving, seeing you off? . Smile and welcome customers when they come in; Responsible for effectively guiding customers in different windows when there are many people; Assist account managers and business consultants to introduce and recommend wealth management products; When the customer finishes the business, he sends it away politely. At first, I didn't know what documents customers need to fill in for different businesses, and I didn't know the details of wealth management products. So I asked if there was anything I didn't understand, and humbly asked the clerk and lobby manager in the low cabinet area. Getting familiar with all kinds of business? Greeting, parting, moving, seeing you off? I also have a deep understanding and am handy at work.
In the last ten days of X, I walked into the high cabinet area and visited the operator's operation process, and got a comprehensive understanding of the specific operation of the dcc system at the front desk. My predecessors also enthusiastically gave me help and guidance, especially Master Ren who taught me to practice counting. In addition, Sister Guo Cuilan also lent me the dcc operation manual and the teller induction manual, so that I could further learn the theoretical knowledge and fully understand and improve the basic business of bank counters.
Third, the internship summary
As an assistant lobby manager, I am familiar with the personal business process of CCB. Know how to recommend financial products to customers, such as Bohai Fuli No.2, Sunshine Property Insurance and Anbang. Find high-end customers in the process of communicating with customers? More importantly, at work, I deeply realized the dedication concept of CCB's customer service.
During my study tour in the high cabinet area, I fully realized that the front desk staff should be very careful. Because of the diversity, risk and complexity of business, a little negligence of the staff may bring great trouble to customers. In this process, I also realized the team spirit, professionalism, innovation and dedication of employees.
During my internship in XX County Sub-branch, I also gave full play to the advantages of computer specialty, and handled computer failures such as printers and video players for the branch for many times, helping to sort out electronic documents and making the office work go smoothly. Finally, thank you very much for giving me this opportunity. This Olympic English service will be a rare and precious experience. However, as a new employee, I still have a lot to learn. I will, as always, learn from leaders and colleagues with an open mind, actively carry out business practice, make an effective connection for the specific banking work in the future as soon as possible, and make greater contributions to CCB.
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