Experimental Experience of Commercial Banks

In the process of lending business, banks pay great attention to the investigation of customers' credit, such as whether personal credit records are good or not, whether repayment sources are true and reliable, and so on. In credit business, customers' first-class and second-class files should be established, customers' data should be scanned, and customers should sign their names in many places. The following is my experimental experience of commercial banks, hoping to help you!

Experience of commercial bank experiment

In the blink of an eye, my five-month internship in Minsheng Bank ended. In the middle, I changed many departments, from business eight, micro-business one, to planning and finance department, and my brothers and sisters in each department were very kind to me and took care of me. I have a lot of people to thank for leaving people's livelihood. I feel that I have learned a lot here, not just as simple as an internship. During the internship, with the help of the instructor of the unit, I became familiar with the main economic and business activities of financial institutions, systematically studied and mastered the practical work of bank accounting, and both my theoretical level and practical work ability were tempered and improved. Now I will make a systematic summary of the specific situation and experience of graduation practice. I have mastered a lot of small and micro businesses and learned a lot of experience.

On the first day of internship, I felt very tired physically and mentally, and thought about giving up, but what can I do after giving up? I keep asking myself, but all my colleagues are teaching their experience without reservation: always insist on being a good teacher? Heart? People, learn business with an open mind, exercise skills with heart, handle business patiently and treat customers with enthusiasm. The real bank may be different from everyone's imagination. It's not that easy work, and it's not that interesting.

At the beginning, they just did some odd jobs for me. The content was very simple, and the things they did were basically repeated, so boredom was inevitable. However, this job made me understand that the work needs to be meticulous, even if it is small enough to align the information in the upper left corner, it can also reflect whether you are serious enough. Details determine success or failure. It seems that this is the first lesson I learned from working in a bank.

The most important thing in the business department is the loan business. I really think the bank account manager is particularly hard. I often see them working overtime, and sometimes they work late. One day I worked overtime with my brother until 9: 3. Later, after communicating with them, I realized that it is common to work overtime after entering the society. I don't object to working overtime. I think I should make more contributions to my unit if there is a need for work, but I don't think overtime can be evolved into a system. How can the legitimate rights and interests of employees be protected?

In addition, talking about credit business, banks attach great importance to the investigation of customer credit in the process of lending business, such as whether the personal credit record is good or not, whether the repayment source is true and reliable and other factors are highly valued by banks. In credit business, customers' first-class and second-class files should be established, customers' data should be scanned, and customers should sign their names in many places. It seems simple, but in fact it is very complicated. What impressed me the most was that all the staff in the office were holding a telephone to discuss with their responsible customers or answer their various questions. They were all loud and seemed to be undisturbed by others, which had a great atmosphere in the stock market.

in these departments, the one that impressed me the most was Sister Laijia. I like this sister very much. Before, she joked with me that she couldn't get married. Just a few days ago, she finally got engaged and gave me a wedding candy. I also told her jokingly? Don't be ridiculous. How can you be engaged? She said? This time it's true, it's true, it's more real than pearls! ? Haha, I'm afraid I don't believe it. Congratulations to this sister.

and sister Qian, she is the most cold-hearted person with no expression, and she never touches the ink when she speaks or does things, acting like a strong woman. Actually, it's not. Usually she is cold and cool. In fact, she is also very nice. There is a soft heart under the cold appearance. Her smile is so low that she can't stop laughing, and her gums are exposed when she is happy. Sometimes I see her leaning on her desk with a straight face, but she is actually just in a daze. She is very real, yes, yes, no, no, whatever she can say is definitely true. She is our big sister, always covering for the little ones. She always tells us not to be frightened by the huge amount of deposits and loans. She told us not to doubt ourselves, and whenever we doubt ourselves, we should tell ourselves? There's nothing to be afraid of. It's just a string of numbers! You are your biggest enemy. If you are not afraid, what are you afraid of? Do it generously! ?

in the last two months, I was transferred to the planning and finance department, where there was a sister named Jia Jia, who had a lot of work and almost never stopped working, even during the lunch break. The more tasks she has, the more tasks I have. In a week, i query collected the points and savings balances of hundreds of enterprises, in order to confirm their savings account balances and margin balances, and ensure that the loans are guaranteed when they are repaid, and the banks can give them loans again. After inquiring about the enterprise's savings information, it is necessary to do a good job in statistics. It's really hard to check the balance of thousands of savings. The entry of commercial tickets and margin data seems simple, but the workload is super large, and the data can't be wrong, so it needs to be shown to the leaders.

In the process of inquiry, the information of enterprises that have borrowed from Minsheng Bank for a year can be said to be piled up, and the order of the information is also in a mess. A few minutes ago, the commercial bill amount of one enterprise was entered, and the same enterprise came in a few minutes later, so the commercial bill amount has to be revised and re-entered. Sometimes, the information of an enterprise is often scattered in many places, and the query work and information input increase the workload.

In the past few weeks, my work has also become regular. Most of my work is related to integral tables. There are a lot of integral tables to be related every day, and even the rest time will be occupied when I am busy. It is quite common for a person to work overtime. I am no longer a student, no longer enjoy winter and summer vacations, and have no relatively free and relaxed life. I have a basic understanding of the operation of the planning and finance department, probably because interns and departments have not given me any special work. After a month, it's basically related, binding bills, sorting out printed documents and so on. Even if I sometimes finish my work and offer to help other colleagues in the department,

this internship has not only given me a certain understanding of the basic business of Minsheng Bank, but also enabled me to perform basic operations. I feel that I have gained a lot in other aspects. As I have been living in a simple university campus, 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 a school and a unit is that you must have a strong sense of responsibility after entering the society. At work, we must have a strong sense of responsibility, be responsible for our own posts, and be responsible for the business we handle. If the work that should be completed that day is not completed, the clerk must work overtime; If you accidentally make mistakes, you must also be responsible for correcting them.

Secondly, I think everyone must stick to their professional ethics and strive to improve their professional quality after work. As the saying goes, to do a job, you must know the rules of a job. At this point, I have a deep understanding from my colleagues in the internship unit.

I feel really, really lucky to be assigned to such a good department, and my colleagues are all very nice and worth making friends with. They will take the initiative to tell me what I should do and how to plan, which will be most helpful to my life. Tell me not to be afraid, and don't worry about it. Doing it with all my heart will always pay off. Besides, Brother Jia always urges me to learn more, which will help. They never hide, and they share their experiences and insights with me without reservation. It is really a very good thing to meet such a group of people. For colleagues in the department, I feel that everyone is not just colleagues.

finally, I resolutely decided to end my internship today, which is really a little sad, but for the sake of being responsible for myself, I am going to find another way. Although I can't stay here to work formally, I am already prepared. In my heart, I only want to take a long vacation first, relieve my tired body and mind, adjust my mentality to find a new job and find a job that is more suitable for me.

San Mao said: Even if it is not successful, it will not become a blank. The goddess of success does not favor all people, but all those who have participated and tried, even if they have not succeeded, their world is not dull or blank. The space of life must be set aside by cleaning up and reducing, while the space of mind is expanded by thinking and understanding. When I turned to face the sunshine, I found that I was no longer trapped in the shadow. ? The internship work is busy and full. I began to learn to find happiness from the seemingly mechanical repetition of internship work. I am happy with my internship work and am comfortable with it.

　? Everything comes to him who waits? The old adage has always influenced my outlook on life, world outlook and values, and guided my life. In treating this internship, I also regard it as my guiding ideology. To achieve the expected goal, I need not only my own efforts, but more importantly, Minsheng Bank has provided such a platform. I am very grateful to the internship unit for giving me such a good internship opportunity, which has enabled me to learn a lot, grow a lot and gain a lot. Professional knowledge and business skills, such as practice-oriented courses, must be applied, and they can master and use them skillfully. Only in this way can we lay a solid foundation for ourselves and let us work together for ourselves and a better tomorrow!

experimental experience of commercial banks

I am fortunate to be a member of the warm family of Binxian Sub-branch. I haven't worked as an intern for a long time, but I have learned a lot in this precious time. The following is my experience during this internship, and I will share it with you:

? Sincerity, goodness, self-discipline and self-improvement? It is the slogan of our morning training every day. When we shout out the entrepreneurial spirit of Jiutai Rural Commercial Bank every day, the intense and busy work of the day begins. When I entered the business room, the master began to teach me the most basic things to do every day, such as receiving the tail box, adjusting the seal time, receiving the voucher, paying the money and tying the account, so that I could be familiar with the daily process of this job and told me that although we have to do these things every day, we can't make any mistakes, and the banking system can't tolerate any mistakes. When I first heard the words such as terminal, trunk and account tying that I had never heard before, including watching the master's skilled operation skills when he touched the terminal, I found that I still had a lot to learn. When learning to count money, my hands are clumsy and I can't always hold the money. After seeing it, several colleagues came over to help me correct my posture and method of counting money. Every time a customer handles business, the master will let me learn how to fill in the voucher, how to prepare it and how to check it online, so that after watching the master do business one after another.

I also had the first chance to contact the terminal. The master patiently watched me operate the terminal next to me. He would check every step carefully and tell me immediately when there were any mistakes. So now I have learned some basic operations similar to deposit and withdrawal, but there are still many problems that make me feel unfamiliar. At this time, my colleagues around me always smiled and told me. It's okay. It's always like this when I first came here. I'll just learn it later, okay? The leader also kindly said to our interns: Although you just entered the unit and feel a little strange, it won't be long before you will live and study in harmony. We are a big family. The difference is that some people come early, get familiar with them early and come late, and they are just getting familiar with them. ? In fact, listening to everyone's words of concern, I think I may not be fully integrated into this big family yet, but they have already regarded me as a family.

At work, the change of work attitude is an important wealth in my life. Maybe the technical level will make you reach a certain level, but the attitude of dealing with people and being serious and responsible for your work is the real magic weapon to improve you, so I will work hard and actively to complete the tasks assigned by the leaders every time, and cherish every opportunity to exercise myself. During my internship, I also learned that as a bank employee, service attitude is particularly important. We should pay attention to details, learn to observe and understand customers, and think about what customers think and what customers are anxious about. Don't complain about the attitude of customers towards you. The attitude of customers towards you is actually a mirror of your own words and deeds. Don't always find fault with the mirror, but reflect more on where the person in the mirror is not good enough and where it needs improvement.

If breaking a cocoon into a butterfly is a very difficult process, then the process from college students to professionals is more difficult than breaking a cocoon into a butterfly. But I am lucky to be able to grow up in the big family of Jiutai Rural Commercial Bank, and I am also grateful to Jiutai Rural Commercial Bank for giving me a stage to make my passionate youth bloom. As a lucky Jiutai Rural Commercial Bank, I will inherit the hard-working, conscientious and selfless dedication of my predecessors. As a newcomer to the banking system, I will continue to learn new knowledge, broaden my horizons and seek innovation, and repay the society and our bank with the best service.

experimental experience of commercial banks

According to the requirements of the school, I started my graduation internship in Fangcaohu Agricultural Bank of Hutubi County, Xinjiang on April 1, 218. During my internship at the Agricultural Bank of China, with the help, guidance and education of the instructor of the unit, I became familiar with the main economic and business activities of the Agricultural Bank of China, systematically studied and mastered all aspects of the practical work of the Agricultural Bank of China, and got a good training and improvement on the theoretical knowledge about the operation and management of the Agricultural Bank of China and the practical work ability in all aspects. I also understand the importance of combining theory with practice. Now I will make a systematic summary of the specific situation and experience of this graduation internship.

1. Practice time: from

2. Practice place: Fangcaohu Agricultural Bank, Hutubi County, Xinjiang

3. Practice content

Through understanding and consolidating the basic theory and knowledge of various finance courses learned in school, we can learn to integrate theory with practice and enhance our ability to solve practical problems by ourselves.

Through the internship in Agricultural Bank of China, I can meet the social practice requirements of the school. Under the guidance, help and education of the unit guidance teacher, I am familiar with the main economic and business activities of Agricultural Bank of China, and systematically learn the personal financial management and daily business operation procedures of Agricultural Bank of China. Through the internship in Agricultural Bank of China, I learned how to better adapt to the new working environment and correct my attitude towards study and work, so as to lay a firm foundation for better entering the society.