In the blink of an eye, I have been working as an intern at Guangdong Development Bank for nearly 2 months. During the internship process, I not only experienced the complexity and pressure of social work that I did not have in school, but also truly understood Come to Guangdong Development Bank for its customer-oriented business philosophy and the competitive advantages brought by this concept.
1. Introduction to the internship unit
Guangdong Development Bank was established with the approval of the State Council and the People's Bank of China. A joint-stock commercial bank established in September 1988, Guangdong Development Bank is committed to providing high-quality financial services to the public and China's economic development. Since its establishment 21 years ago, the Bank has always adhered to strict regulations, pioneered and enterprising, unswervingly followed the path of "characteristic operation", and strictly followed the operation and management principles of modern commercial banks to conduct standardized operations and develop steadily. Facing the competition and challenges after the full opening up of China's banking industry, Guangdong Development Bank will continue to carry forward the spirit of the times, pioneering and innovative, promote the steady and coordinated development of various businesses, and strive to build a bank with advanced management, excellent services, outstanding reputation, A highly competitive domestic first-class and even internationally advanced modern commercial bank.
The business scope of Guangdong Development Bank is all banking businesses stipulated in the "Commercial Bank Law", which mainly includes: absorbing public deposits, issuing short-term, medium-term and long-term loans; handling settlements; handling bill discounts; and issuing financial bonds ; Agency for issuance, redemption, and underwriting of government bonds; buying and selling of government bonds; engaging in inter-bank lending; providing letter of credit services and guarantees; agency for collection and payment and insurance business; providing safe deposit box services; foreign exchange deposits; foreign exchange loans; foreign exchange remittances; foreign currency exchange ; International settlement; settlement and sale of foreign exchange; inter-bank foreign exchange lending; acceptance and discounting of foreign exchange bills; foreign exchange borrowings; foreign exchange guarantees; issuance of foreign exchange credit cards; buying and selling and agency sales of foreign currency securities other than stocks; issuance and agency issuance of securities other than stocks; Foreign currency securities; self-operated and client-operated foreign exchange transactions; agency for the issuance and payment of foreign credit cards; offshore financial services; credit investigation, consultation, and witness services. Other businesses approved by the People's Bank of China and the China Banking Regulatory Authority.
2. Internship experience and insights
From March 4th to April 28th, I came to Kunming Branch of Guangdong Development Bank for an internship. Although the internship time was not long, I I learned a lot during this precious time, enriched and practiced the theoretical knowledge of the university, and at the same time felt deeply about my lack of knowledge, which confirmed my belief in active learning. At work, the change in work attitude is an important life asset I have learned. "Technical level can only allow you to reach a certain level, but the attitude of doing things for others and being serious and responsible for your work are the real magic weapons to improve you." The director's words taught me the first lesson of the internship. During the internship, I studied humbly, worked hard, completed my tasks seriously, and established good relationships with my colleagues, which was unanimously recognized by the employees in the industry.
(1) Learn the corresponding theoretical knowledge and various documents
In the first few days of the internship, I mainly studied with the director. On the one hand, I had to learn the relevant practical operations, Among them, accountants account for the majority. They must not only strengthen existing knowledge, but also learn new knowledge. On the other hand, they must also study relevant documents issued by the People's Bank of China. Combined with financial newspapers, financial research and other magazines and publications, understand the direction and dynamics of banking reform. In terms of financial trends, analyze the opinions of financial experts and pay attention to the reform of the RMB exchange rate. Since July 21, 2005, my country has begun to implement a managed floating exchange rate system based on market supply and demand and adjusted with reference to a basket of currencies. The RMB exchange rate is no longer pegged to a single U.S. dollar, forming a more flexible RMB exchange rate mechanism. In terms of product management, how do commercial banks try to carry out mixed operations step by step - the bank-securities all-in-one card and the issuance of bank fund numbers. In terms of credit operations, pay attention to changes around you, mergers and reorganizations of companies, and at the same time, rising prices of iron ore, crude oil, and labor costs, which will all affect the quality of corporate credit.
During my study, I deeply felt that study is for the purpose of improving, improving quality, and strengthening a responsible attitude towards work. Every employee has the right and obligation to study!
(2) Learning operations from salesmen
While learning various relevant knowledge, I also actively learned from salesmen. Because the bank now implements a teller system, I don't have the opportunity to operate it, but from the study on the side, I learned things outside of work. When banks put forward the principle of changing from product innovation to customer-centered, it is the biggest challenge and test for sales staff. What a salesperson requires is not only skilled business operations, but also how to communicate with customers and serve customers. Service is better than management, and a good manager is a good service provider. At first, the manager's life changed completely with a newspaper and a cup of tea. Newspapers are a means of understanding customers and banks. Tea is served to customers. "Create a learning organization and strive to be a learning employee" The diligent learning spirit of each employee drives the extensive development of banking business.
(3) Learning from account managers
The quality of customer resources determines the profitability and competitiveness of a bank's business structure. Implementing customer knowledge management can improve the development and utilization of customer resources. During the internship, I summarized the structure of customer knowledge management and continued to enrich it with theoretical knowledge and time.
Improve the relationship between banks and customers, expand business space, and develop sources of profits. While serving customers, I understood and understood how Guangdong Development Bank took advantage of the scarcity of capital when it had large total assets but lacked capital. Obtaining maximum benefits with the minimum economic costs is what every customer pursues. Capital pursues profits, which determines that capital cannot stay idle. Economic costs can only be saved through innovative financial products.
3. Connection with this major
At present, banks are transforming from administrative management to operational management. Each bank has carried out the development and construction of application and management systems, indicating the focus of bank information construction. From comprehensive business systems to management information systems at the management level, the goal of informatization construction has transitioned from improving business processing efficiency to improving business decision-making and comprehensive management levels. Because Guangdong Development Bank's own understanding of management started relatively late. Therefore, many management problems have arisen
(1) The essence of management informatization is the process of using informatization for deep-level content in management, which will inevitably involve process reform and the interests of various management subjects and objects. adjustment, so the resistance is greater. Moreover, China's banking industry currently only focuses on increasing business varieties and how to improve business processing efficiency, and has little involvement in back-office cost management. Therefore, establishing a powerful bank backend management information system including financial management, human resources management, etc. will become the main theme of reform in the next few years.
(2) Organizations with similar functions are duplicated; departments have different goals, which hinders the integration process; managers are not familiar with various business products and are blind in business operations. Therefore, some people propose to replace the matrix system with a divisional system and implement flat management.
(3) The vertical division of labor is thin, the management chain is long, the overall service efficiency is low, there are many horizontal departments, single functions, the overall service capacity is low, and the efficiency of human resource allocation is low.
I believe that reform requires a strong reform team and the establishment of effective incentive and restraint mechanisms, competition mechanisms and salary assessment mechanisms that can mobilize people's enthusiasm. In the reform, we must pay attention to the principle of cost-benefit and the principle of combining responsibilities and rights.
4. Summary
"What you learn on paper is ultimately shallow, but you must know that you have to practice it." During the short internship process, I deeply felt that what I learned The superficial knowledge and lack of professional knowledge in practical application made me feel very sad when I felt unable to start some tasks and at a loss. I always thought I was doing well in school, but once I came into contact with reality, I realized how little I knew. Only then did I truly realize the meaning of "endless learning."
"A journey of a thousand miles begins with a single step." These short but fulfilling internships in the past two months, I think, have played a role as a bridge for me to enter the society. The transitional role is a period of life. This important experience is also an important step and will be of great help in getting into the workplace in the future. Some basic principles of life, such as humbly asking for advice from others, abiding by organizational disciplines and unit rules and regulations, and communicating civilly with others, must be carefully implemented in real life, and good habits must be continuously cultivated in real life.
Internships are bitter and sweet. Multiple thresholds on a flat road are both a challenge and an opportunity. This threshold may be an obstacle or a ticket to another world.