The purpose of the summary is to affirm the achievements in some aspects and find the shortcomings in other aspects. The following is a summary of banking practice activities that I compiled. Let’s take a look at it together. Summary of Banking Practice Activities Part 1

According to the school’s graduation internship requirements, I conducted a 5-week graduation internship at the xx branch of the Agricultural Bank of China from x month x to x month x, 2008. 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 better mastered the practical work of bank accounting, and my theoretical level and practical work ability were exercised and improved. Now we will make a systematic summary of the specific circumstances and experiences of the graduation internship.

1. Introduction to the internship unit

The Agricultural Bank of China is one of the four major state-owned banks and an important part of China’s financial system. Its head office is located in Beijing. Domestically, Agricultural Bank of China 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, Agricultural Bank of China has also won a good reputation through its own efforts and was named one of the world's top 500 companies by Fortune.

2. Internship Process

The purpose of this internship is to master the basic skills of banking business and become familiar with the bank’s daily business operating procedures and working systems through internship at the Agricultural Bank of China. The internship process mainly includes the following stages:

(1) Understand the basic situation of the internship unit, organizational structure, staffing, etc.

(2) Learn the basic business processes of the bank, mainly including the following aspects: the bank’s savings business, such as demand deposits, lump sum deposits and withdrawals, fixed deposits and deposits, etc.; the bank’s corporate business, such as acceptance Cash checks, issuing bank drafts, etc.; bank credit card business, such as credit card account opening, closing, cash deposits and withdrawals, etc.; interbank business; loan business, etc.

(3) Understand 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) Summarize the internship experience, fill in the internship appraisal form, and write an internship report.

Generally speaking, the rules and regulations of Agricultural Bank of China are relatively comprehensive. It specifically stipulates the operating standards and code of conduct for employees.

Secondly, what impressed me the most is that the role of modern banks in people’s daily lives is no longer limited to savings and lending. At the same time, the services of modern banks involve people’s lives. In all aspects of financial management, including paying insurance, paying phone bills, paying fines, buying funds, speculating in stocks, foreign exchange, and financial management, an exaggeration is that "there is nothing that a bank cannot do except what you can't think of." Let’s talk about my work experience at the Agricultural Bank of China. In the first few days, I mainly followed the instructor to see how the instructor operated. I watched it for about 3 days and understood the full process of bank counter services. Because the Agricultural Bank of China has regulations: Non-staff are not allowed to operate it, and I am not a staff member of the Agricultural Bank of China, so I am not allowed to touch cash. So at the beginning, my task was to guide customers to fill in forms and other tasks similar to that of a lobby manager.

Then, I started to learn the savings business. Now, the Agricultural Bank of China's savings business implements a teller responsibility system, which means that each teller can handle all savings services, including account opening, cash deposits and withdrawals, loss reports, withdrawals, large and small banknote exchanges, and acceptance of intermediary services, etc. Vouchers are no longer passed between accountants like the public business department, but each teller handles accounting and accounting independently. However, the documents produced by each teller must be handed over to the person in charge of the relevant bank for review first, and then passed to the superior bank for "post-audit". It is essential to learn how to reconcile accounts when handing over work every day between tellers. During reconciliation, in addition to checking whether the cash accounts are consistent, you must also check whether important blank vouchers are missing, whether the subpoenas are consecutive, etc. The reconciliation between tellers is also very procedural. Generally, the cash is counted first, and then important blank vouchers such as passbooks, bank cards, deposit receipts, etc. are counted.

After three days of study, I began to learn the bank’s accounting business, which is business for enterprises. The accounting department of the corporate business (mainly referring to the bill business) is mainly divided into three steps: accounting, review and cashier. The bill business mentioned here mainly refers to checks, including transfer checks and cash checks.

For cash check business, the first step is to review and see whether the signature of the drawee matches the seal reserved by the bank. The method is to verify the seal through computer or manual verification (the bank equipment where I practiced is not very up to date with the advancement of technology). , manual verification is also used); then check whether the uppercase and lowercase amounts are consistent, whether the check amount, date of issue, payee elements, etc. have been altered, whether the check has exceeded the payment reminder period, whether the check is overdrafted, and if there is an endorsement, Check whether the endorser's signature and seal are consistent. It is worth noting that the amount in capital letters is rounded up to yuan, and cannot be rounded up to cents. For cash checks, the accounting bookkeeper will record them after reviewing them, and then pass them to the accounting reviewer. After the accounting reviewer confirms that they are correct, they will pass them to the cashier. The cashier will stamp the cash payment stamp, and the payee can go to the cashier's office. Receive cash (after verbal reconciliation between the payee and the payee). The review content of transfer checks is the same as that of cash checks. The processing is reviewed by the accounting bookkeeper and reviewed by the accounting reviewer. What needs to be explained here is the issue of entry time. Cash checks and transfer checks made by the bank (such as internal transactions with a savings bank, where both the payee and the payee are account holders of the bank) must be deposited directly into the account. For cases where the payee and the drawer do not have accounts in the same bank, such as some transfer checks for entrusted collections, etc., they can only be entered into the account after bill exchange. Since the county-level branch has not opened an account with the local People's Bank, it will not be recorded in the accounting account. This is reflected in the account "deposits in the system", while only provincial branches in direct contact with the central bank use the account "deposits in the central bank". What we know better in school is the latter. There are also some subjects such as "internal transactions", which refers to the fund transfer between the accounting department and the savings department, such as paying wages on behalf of the enterprise; "deposits in the system" refers to the liquidation reserves and funds deposited by subordinate banks in the superior bank. Allocate funds, deposit reserves, etc. What we are familiar with is "deposits with the central bank", which is the accounting account used by provincial branches that deal directly with the central bank. The withdrawal of some relatively large amounts of money (generally greater than or equal to 50,000 yuan) requires a large amount registration form, and the check for the amount of money must be signed by the accounting supervisor before it can be withdrawn. The job of the accountant responsible for accounting every morning is to check yesterday's accounts, such as printing pre-work preparations, daily statements of accounts, daily general ledger sheets, and balance checks on the accounting vouchers for all business that occurred yesterday, etc. One correspondence. Then the daily business of the day begins, mainly including checks, wire transfers, etc. Before noon, bills are exchanged and withdrawn, and special transfer debits, credit vouchers, etc. are prepared based on the exchange slip order to check whether there are any refunds. In the afternoon, the checks submitted by other staff members for door-to-door collection will be reviewed, stamped with a "received credit" stamp, and handed over to the reviewer for entry into the computer exchange system. After the end of the day's business, perform day-end processing, print all relevant vouchers for the day's business, and reconcile; print "flow offset" to check whether the debit and credit sides of today's accounts are balanced. Finally, settle the accounts. These printed vouchers are bound by specialized staff, and are reviewed again to see whether the subject stamps are reversed, whether there are missing seals of the handling personnel, etc., and then the bound vouchers are submitted to the superior bank for audit. This day's accounting work has come to an end.

About credit card business. Credit cards are divided into credit cards and debit cards according to whether they have consumer credit (overdraft) functions. Credit cards are divided into loan-based cards and quasi-loan-based cards based on whether the cardholder pays reserves to the card-issuing bank. A credit card is a certain credit limit granted by the bank to the cardholder. You can make purchases within this limit without paying a reserve in advance. The bank will print a list of the customer's consumption this month every month, and the customer can choose to pay it all off. Or the payment part, if the latter is chosen, the unpaid part is treated as a short-term loan from the bank with compound interest. The quasi-loan credit card is a credit card in which a certain reserve is paid, and then the bank grants a certain consumption limit. A debit card does not have an overdraft function, but it can be used for transfer settlement, deposits and withdrawals, and consumption; and this kind of card does not require a complicated review process. You only need to fill out an application form on site and you can get it immediately. to the debit card. Credit cards can also be divided into corporate cards and personal cards according to the objects of use; they are divided into gold cards and ordinary cards according to credit levels. Bank loan business. Due to the current actual situation, it is difficult for small and medium-sized enterprises to obtain financing. Although the central bank has repeatedly introduced plans to encourage banks to lend to small and medium-sized enterprises, there are strict controls within each bank. The same goes for Agricultural Bank of China. Therefore, banks are currently also investing in the field of personal loans.

It should be noted that the bank's personal loan business does not directly lend money to individuals, but signs certain agreements with merchants. In fact, it loans money to merchants, and then the merchants sell the goods to individuals, and the individuals then repay the money to the bank. . When signing an agreement with a merchant, the bank will review whether the merchant's documents are complete. Individuals must provide the bank with relevant proof of income, proof of identity, etc. Generally, the purchased subject matter is used as a mortgage. The most common ones are chattel mortgages (such as car loans) and real estate mortgages (such as home loans). The credit department implements a separation system of review and loan, which is to develop loan customers and specifically grant loans. The staff who review the loan possibility perform their respective duties.

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.

3. Problems and shortcomings in the management of Agricultural Bank of China

At present, banks are transforming from administrative management to operational management, and various banks have begun to develop and construct application and management systems. It shows that the focus of bank information construction has expanded from comprehensive business systems to management information systems at the management level. The goal of information construction has transitioned from improving business processing efficiency to improving business decision-making and comprehensive management levels. Due to the Agricultural Bank of China's own understanding of management

Start low and 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 involve 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 use the divisional system to replace the matrix 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 capability is low, and the efficiency of human resource allocation is low.

In one month at Agricultural Bank of China, I learned a lot of things that I couldn’t learn in books. I had a rough understanding of China’s banking system and discovered some of its shortcomings and drawbacks.

(1) Human feelings are greater than the system. It may be due to the influence of China's two thousand years of feudal system. Although the banking system is relatively complete, there are very few that can actually do it. From the documents I have seen, I know that this has always been a weakness of the Agricultural Bank of China.

(2) Inadequate supervision. Although the Agricultural Bank of China has installed a large number of surveillance cameras in each business department and said that it will send people to check every day, few branches actually do so.

(3) There are too many, complex, and unscientific and reasonable bank assessment items, which has led to serious fraud within the bank in order to compete for performance.

(4) The burden of work falls entirely on the back-office director, and all responsibilities fall on the back-office director, which affects work efficiency and can easily lead to professional crimes. As the third-level supervisor, the back-office director has supreme power but also shoulders too many responsibilities. Almost every large-amount transaction in the bank requires authorization from a third-level supervisor. At the same time, the back-office director also prints daily reports, solves work problems at any time, binds the daily teller work ledger into a book, and other countless activities. . If anything or an accident occurs, the responsibility will be held first with the back office director, and then with the teller. What I can see every day is that the back office director is running around non-stop, extremely busy. I think it is necessary for the Agricultural Bank of China to decentralize power or let more people share the work of the back office director.

(5) The service attitude of tellers needs to be improved. During the more than a week of internship at the counter, I could often see the tellers wanting to chat. Moreover, the tellers have a good sense of time and are always looking to see if it is time to get off work. This has greatly reduced the social influence of the Agricultural Bank of China. , and the image in people's minds. In today's increasingly fierce banking industry, only by putting people first and customers as God can we remain invincible.

This internship gave me a good learning opportunity. I think the banking industry should strengthen its own management, do a good job in supervision, improve management regulations and implementation methods, and put customers first. , resolutely put an end to professional crimes and remain invincible in the increasingly open environment of China's banking industry.

IV. 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." This short but fulfilling internship for more than a month, I think has played a role as a bridge for me to enter 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 a challenge and an opportunity. This threshold may be an obstacle or a ticket to another world. Summary of Banking Practical Activities Part 2

Since starting work, under the careful training and education of the unit leaders, through my continuous efforts, I have made great progress in thinking, learning and work. With great harvest, the work is now summarized as follows:

In terms of thinking, actively participate in political studies, adhere to the four basic principles, support the party's various principles and policies, and consciously abide by various laws and regulations.

At work, since I started working in xxxx, I have worked in a certain department, a certain department, an accounting department and other departments. No matter where I go, I strictly demand myself, work hard to study business, and strive to be the best in the industry. Home expert. It is with such a firm confidence that I have become proficient in savings, accounting, planning, credit cards, personal loans and other businesses, and have become an expert in the xx industry.

I remember that when I first joined the xx line, in order to master the business of the xx line as quickly as possible, I arrived at work more than an hour in advance every day to practice money counting, abacus, and savings business. Although my residence was far away from my work unit by car at that time. It takes more than an hour, but I go to work every day, rain or shine. Especially in winter, when it’s snowy and icy, I often have to go to work two or three hours early for fear of not being able to get into the car. That’s when I developed the habit of arriving at work early. It is my habit to be the first one to arrive at the office every day, clean up first, and then read business books or prepare for the day's work. This habit also gives me enough time to learn more business knowledge, which has done a lot for me. A good foundation has been laid for the smooth development of work in the past year.

Most of the positions I have worked in are at the front desk. In order to better serve customers, I provide different assistance and services to customers of different grades and needs. I remember one person who came to me for the first time. As a bank customer, when I learned that he wanted a loan to buy a second-hand house, because he didn’t know what to do and just had an idea, I introduced him in detail all the procedures for a loan. In addition to working hard to serve customers, I also actively responded to various sports organized by the industry. I often participated in various competitions organized by the unit to show myself, and achieved excellent results, and was praised by the unit.

In terms of study, since I joined the work, I have never given up learning theoretical knowledge and business knowledge. Because the finance school I graduated from was a technical secondary school, I used my spare time to study by myself in college when I first started working, and graduated in XX. However, I was not satisfied with the status quo, so I studied for a bachelor's degree in finance from Northeastern University in XX. Because of my hard work and excellent grades, I I have been fully affirmed by the teacher during my study, and I am currently actively preparing for a thesis challenge. Not only have I mastered and improved financial knowledge, but I have also achieved a certain level of practice, fully reaching the level of undergraduate students. While studying theory, I delved deeper into business and integrated the financial knowledge I learned into my work to continuously improve my business level. In XX, I participated in the National Intermediate Economist Qualification Examination, successfully passed it and was hired as an intermediate economist by the industry. In many years of business knowledge examination, every accounting business qualification test has reached level 1.

Finally, what I want to say is that the above are just some of the achievements I have made in my work, which are inseparable from the guidance of the unit and the assistance of my colleagues. I have always believed in the saying "No matter how bright a match is, it will only produce a light as big as a bean. But if you use one match to light a pile of matches, it will burn." I hope to use my bright youth to ignite the passion of everyone around me, and inspire and inspire fellow workers to contribute, make progress, make achievements, and build careers together for our cause.