# internship report # Introduction Through practical training, in addition to giving me a certain understanding of basic financial business and being able to perform basic operations, I feel that I have gained a lot in other aspects. As a person who has been living on a simple university campus, this graduation internship has undoubtedly become a platform for me to enter the society and laid the foundation for me to enter the society in the future. The "2000-Word Financial Training Report for College Students" compiled by Kao.com for everyone. I hope it will be helpful to you!

Chapter 1

As a student majoring in finance, and in accordance with the school’s summer internship requirements, I worked at the Postal Savings Bank of China from x month x to x month x, 20xx Lianyungang Branch conducts internship work. After studying in school for three full years, this is the first time I have used the professional knowledge and skills I learned in school to combine them with practical applications. Because this is my first time to participate in a formal internship, I still feel a little nervous and worried. I don’t know whether I can be competent and complete my job well. The specific situation and experience of the graduation internship are summarized as follows:

Internship time: x month x to x month x, 20xx

Internship unit introduction:

China Post Postal Savings Bank of China, the full name of China Postal Savings Bank Co., Ltd., was officially established on March 20, 2007. It is a commercial bank established on the basis of the reform of the postal savings management system. Postal Savings Bank of China will inherit the postal financial business operated by the former State Post Bureau and China Post Group Corporation and the resulting assets and liabilities, and will continue to engage in business approved and approved by the original business scope and business license documents. On February 27, 20xx, the Postal Savings Bank of China issued an announcement stating that with the approval of the State Council, the Postal Savings Bank of China Co., Ltd. was legally renamed as the Postal Savings Bank of China Co., Ltd. on January 21, 20xx.

Purpose of internship:

The purpose of this internship is to understand the daily business operation procedures and work systems of the bank’s compliance department through internship at Postal Savings Bank, so as to prepare for future work. Lay the foundation.

Internship process:

During most of the internship, I mainly followed the master to make various reports. According to the relevant provisions of the Basel Accord: a bank's compliance department is an independent functional department that identifies, assesses, notifies, monitors and reports bank compliance risks. The term "bank compliance risk" refers to the possibility that a bank may suffer legal sanctions or regulatory penalties due to its failure to comply with laws, regulatory provisions, rules, relevant guidelines formulated by self-regulatory organizations, and codes of conduct applicable to the bank's own business activities. Risk of significant financial loss or reputational loss. Compliance management is essentially a risk management. In the words of the Basel Committee on Banking Supervision's Guiding Principles: "Compliance should be regarded as a core risk management activity within a bank. . "Compliance management is actually not a strange thing. As the old saying goes: there is no rule without rules. Compliance, as the name suggests, means following the rules and "following the rules."

The master warned me that banking work is very risky. If a job is not done in accordance with the rules and regulations, it may lead to serious consequences when risks occur. Therefore, you must follow the relevant rules and regulations at work. If you always think that this is a small matter, it will not matter. Many systems are not implemented effectively. For example, sometimes the screen and box are not locked when leaving the locker temporarily and then returning immediately; occasionally, for the sake of convenience, all large amounts of cash are not put into the safe, etc. This phenomenon Now everything has been corrected, and the awareness of prevention has been significantly improved. I think that as long as we handle business at the front desk according to the system, many cases will be reduced. For example, we must be careful when opening accounts and reporting losses. Verify the authenticity of the customer's valid documents, and do not use copies to open accounts or report losses for customers. This will effectively reduce the occurrence of fraud cases; when making large deposits and withdrawals, check whether they are suspicious transactions and money laundering transactions; Seals must also be properly kept and cannot be lent to others for use or stamping.

As long as we are always serious and careful in the process of handling business and insist on working according to the system, there will be no risk. On the contrary, if we are careless and fail to abide by the rules and disciplines, we may make a big mistake at any time.

Through this one-month internship, in addition to giving me a certain understanding of the basic business of Postal Savings Bank and being able to perform basic operations, I feel that I have gained a lot in other aspects. As a person who has been living on a simple university campus, this graduation internship has undoubtedly become a platform for me to enter the society and laid the foundation for me to enter the society in the future. First of all, I think a big difference between school and work is that after entering society, you must have a strong sense of responsibility and a solid and serious work attitude. In the workplace, we must have a strong sense of responsibility, be responsible for our own positions, and be responsible for the business we handle. If the wrong amount of money is accidentally made and cannot be recovered, the person in charge must be responsible for compensation. Therefore, you must be cautious and careful when handling bank cash-related business. Secondly, I feel that I should complete my role change as soon as possible. For those of us college students who are about to embark on the job, how to complete the role change faster is a very important and urgent issue. After entering society, the environment and living habits will undergo great changes. If you cannot adapt as soon as possible and still treat yourself as a student, you will definitely be eliminated by the cruel society. Since you enter the society, you must demand yourself as a company employee and strictly abide by the company's rules and regulations. Third, I think everyone at work must adhere to their own professional ethics and strive to improve their professional quality. As the saying goes, to be in a profession, you must understand the rules of the profession. For example, when reporting a loss, you need to present your identity document in person. When actual business occurs, many people often use their own household registration books or other people's ID cards to report the loss because they have lost their ID cards, even though they may know it is the person who lost them, but these are not allowed. And when the other party has questions, he must patiently explain why he must do this. Nowadays, banks have become similar to the service industry, so the work attitude of employees is particularly important. Some questions and inquiries from customers must be answered patiently. This made me realize that what is required in real work is our rigorous and meticulous work attitude and humility to ask for advice from others. Finally, there must be a clear career plan. Through the internship, I learned about the Postal Savings Bank from the perspective of an on-the-job employee, and examined the Postal Savings Bank from the perspective of a customer. The experience I experienced far exceeded the introduction of the bank in the book. Reading thousands of books is not as good as traveling thousands of miles. If you want to really work in a bank, integrate into the banking circle, and become a real banker, you cannot rely solely on the banking qualification certificate you have obtained, nor can you rely on the few basic books on banking that you have read. What is needed is a correct mentality, the determination to dedicate oneself to the banking career, and the perseverance to work hard. Otherwise, they will be disappointed after entering the bank and sigh at the repetitive work. Such candidates will not become the final banker.

Internship summary:

I would like to sincerely thank the Postal Savings Bank Lianyungang Branch for providing me with this rare internship opportunity, which allowed me to experience, learn and grow in practice. The internship work is busy and very fulfilling. I have indeed learned a lot during these three months of internship, which has given me a clearer understanding of society, work, and myself. In the future, I will work harder and strive towards my ideals.

Part 2

My name is xxx. As a student majoring in finance, I chose ** Bank as the internship unit this time. The purpose of this internship is to pass xx During the bank internship, you will fully master the basic skills of banking business, become familiar with the bank's daily business operating procedures and working systems, and lay the foundation for future work. My internship position this time is as a bank lobby manager and general teller. The internship process mainly includes the following two stages:

1. Training stage

(1) Understand the basic situation and organizational structure of the unit, staffing, corporate culture and business through training Branch security, etc.

(2) Learn and master the basic methods of RMB, the main methods of identifying the authenticity of banknotes, the basic skills of counting banknotes and the training of retail business skills. Learn bank cards and basic knowledge.

(3) Learn the basic business processes of the bank, which mainly include the following aspects: the bank’s savings business, such as fixed and current deposits, lump sum deposits and withdrawals, fixed and live loans, education savings, etc. Bank's corporate business, such as accepting cash checks, transfer checks, issuing bank drafts, etc. Bank's credit card business, such as credit card and quasi-credit card account opening, account closing, cash deposit and withdrawal, etc.; interbank business; loan business, etc.

(3) Learn bank accounting methods, subject setting and account setting, determination of bookkeeping methods, etc. Distinguish and compare the similarities and differences between bank accounting accounts and enterprises.

(4) Learn foreign exchange English and Bank of China counter marketing skills and service etiquette. and conduct comprehensive operational testing of retail operations.

II. Internship Stage

(1) Learn the corresponding theoretical basic knowledge and various bank-related documents from the branch director

(2) Learn from the general teller Basic bank business operations

(3) Learn lobby marketing skills and answer customer inquiries from the lobby manager

III. Internship content:

(1) Learn from the branch director Learn the corresponding theoretical basic knowledge and various bank-related documents

In the first few days of the internship, I mainly studied the corresponding theoretical basic knowledge and various bank-related documents from the director. On the one hand, we must learn relevant practical operations, of which accountants account for the majority. We must not only strengthen existing knowledge, but also learn new knowledge. On the other hand, we must also study relevant documents issued by the People's Bank of China. Combine with Bank of China Financial News, Financial Research and other magazines and publications to understand the direction and dynamics of banking reform. Bank innovation and progress are the basic conditions for competition with foreign banks. Therefore, banks must establish a sense of competition and service from top to bottom. The "ATM Competition" activity carried out in various branches in April is to improve the service awareness of bank personnel, enhance their service concepts, and satisfy customers with high-quality services. At the same time, the internship also allowed us to understand the bank's business. The business structure of Bank of China is relatively diversified, including corporate business, personal business, treasury business, online banking business and international business. The West Street Sub-branch is mainly divided into 4 sections, including corporate business. Private business, other businesses and Ping An insurance business jointly with Ping An Insurance Company, etc. My internship mainly focuses on personal business, which mainly includes personal intermediary business systems such as personal settlement, bank card business, and personal financial management products.

(2) Learn basic banking business operations from the integrated teller

While learning various related banking knowledge, I also actively learn basic banking business operations from the integrated teller. Because the bank now implements a teller system, I do not have the opportunity to perform real-time operations, so what I can do is combine the skill operations during training with the comprehensive teller operations, look for the differences between the two, and record the different business types Transaction codes and analysis codes and types of special services. But I also learned a lot from studying next to me. When banks put forward the principle of changing from product innovation to customer-centered, it is a challenge and test for salespeople. 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. Through contact with the salesmen, I also learned about the bank's operating procedures and savings business. The savings business implements a teller responsibility system, which means that each teller can handle all savings business, that is, account opening, cash deposits and withdrawals, loss reporting, withdrawal, large and small banknote exchange, acceptance of intermediary business and foreign exchange business, etc.