Sample financial internship summary essay (general 5 articles)

The tense and fulfilling internship life has come to an end. Looking back on the internship experience during this period, I gained not only years, but also To grow, you can’t just work hard, write an internship summary. So what are the characteristics of a good internship summary? The following is a summary of financial internships that I have compiled for you (5 general articles). Welcome to read and collect them.

Summary of Financial Internship 1

My internship at China Construction Bank mainly covered accounting business (corporate business), and other general knowledge included savings business. , credit card business, loan business. Below, I summarize the internship report as follows:

⑴Accounting business

The accounting department of the corporate business (mainly refers to the bill business) is mainly divided into three steps: accounting, Review and cashier.

　⑵Savings business

The savings department currently implements a teller responsibility system, which means that each teller can handle all savings business, but the documents prepared by each teller must be handed in. It will be reviewed by the person in charge within the relevant bank first, and then passed to the superior bank for “post-action audit”.

⑶Credit business

Credit cards are divided into credit cards and debit cards according to whether they have consumer credit (overdraft) functions. Credit cards can also be divided into corporate cards and personal cards according to the objects of use, and into gold cards and ordinary cards according to the credit level.

⑷Credit business

CCB is currently also investing in the field of personal loans, but it is strictly controlled. It should be noted that the loan business does not directly lend money to individuals, but signs certain agreements with merchants. In fact, it means lending money to merchants, and then the merchants sell the goods to individuals, who then repay the money to the bank.

The above is a summary of my internship work. Through this internship, I have a more detailed and profound understanding of my major. It is also the consolidation and application of the knowledge I have learned in college in the past few years. . From this internship, I realized that if we combine the knowledge we have learned in college with more practice and use practice to test the truth, an undergraduate will have a strong ability to handle basic practices and compare Systematic professional knowledge is the real purpose of our study and internship. Financial internship summary 2

After one and a half months of internship in the bank, I objectively gained a perceptual understanding of the knowledge I learned in school, which enabled me to fully understand the theory. relationship with reality. The information involved in my internship is mainly third-party custodian business. Others that I generally know about include savings business, credit card business, and loan business. The work includes simple entry and statistics at first, and then front-end marketing and reception work. My internship is summarized below.

1. Internship materials

In the first two weeks of the internship, I studied the most basic work of the bank in the electronic product department of Wujiaochang branch, such as entry, statistics, tabulation, Review etc. Through these simple tasks, I understood the basic operating procedures of the bank card business. Before I came into contact with the bank, a seemingly simple credit card must go through a series of evaluation, review, entry, review, filing, compilation, printing, etc. It can only be completed with complete and strict procedures. If there is an error in any link, it will cause tedious correction work. At first I thought I was completely competent in simple computer operations, but gradually I realized that the most important thing is not speed, but accuracy. In addition to the bank card operation process, when doing some chores, such as contacting business personnel and lobby managers on the phone, I also deeply realized that the bank is not a simple channel for deposits and withdrawals, but a complete financial institution with a unique nature. The bank's back-end business is also all-encompassing, and each department has its own operating procedures. This time I came into contact with the electronic product department, and I mainly learned about the third-party custody business.

After two weeks of study, I was fortunate to have the opportunity to be assigned to the Huangxing Office’s business outlet to handle the third-party custody business at the front desk.

Every day, I go to the Central Securities Exchange on Yingkou Road with a bank operator and three interns to promote the third-party depository business. "Third-party custody" means that the securities transaction settlement funds of securities companies' customers are placed in bank custody. The depository bank is responsible for the deposit, withdrawal and fund settlement of customer funds in accordance with the requirements of laws and regulations, and the securities trading operations remain unchanged. For new businesses that have just been launched in this country, we need to do a good job of introducing and marketing them. At the stock exchange, most of the people I come into contact with are retired people, many of whom are elderly. In addition to patient explanations, we will also provide them with various conveniences to help them apply and use them according to their needs. The seemingly simple tasks of introducing, answering questions, filling out forms, copying, binding, and running up and down are put together, but they are much harder than the computer entry work in the office. But this kind of "people-friendly" internship taught me a lot and gained a lot: to do a good job or even a business, to truly consider customers from their perspective, and to impress them with sincerity, especially for a public institution like a bank. The protagonist must always serve the public with a serious and rigorous attitude.

As a newly launched business, third-party custody not only gave the securities market a new atmosphere, but also gave me new strength. What I gained was not just simple business operation methods. , and it is the profound cognitive experience behind the work-how to be a good banker.

2. Internship Harvest and Experience

This internship, in addition to giving me a certain understanding of the basic business of the Agricultural Bank of China and being able to perform basic operations, I feel that I am in other The gains in terms of this are also quite big. As a person who has always lived in a simple university campus, this 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 you must have a strong sense of responsibility after entering society. In our jobs, we must have a strong sense of responsibility, be responsible for our positions, and be responsible for the business we handle. If the work that should be completed that day is not completed, the employee must work overtime; if an error is made accidentally, the employee must be responsible for correcting it.

Secondly, I think everyone must stick to their professional ethics and strive to improve their professional quality after working. As the saying goes, to be in a profession, you must understand the rules of the profession. I have a deep understanding of this from my colleagues in the internship unit. For example, some business operations require identification documents. Although the customers may be people they know, they will also ask the other party to show their identification documents. When the other party complains, they will always patiently explain why they must do this. Nowadays, banks are similar to the service industry, so the work attitude of employees is particularly important. I have personal experience of this.

Finally, I feel that after entering actual work, academic qualifications are not the most important. The main thing is personal business ability and communication ability. Anyone can do any job after doing it for a long time. Practical ability is more important in actual work.

Therefore, I realized that if we combine the knowledge we have learned in college with more practice and use practice to test the truth, an undergraduate will have a strong ability to handle basic practical matters. Potential and comparative systematic professional knowledge, this is the real purpose of our internship.

I am very grateful to the internship unit for giving me such a good internship opportunity, which allowed me to learn a lot, grow a lot, and gain a lot. Summary of Financial Internship 3

So far, I have been interning in xx Finance for 5 weeks. As a CEO Management Trainee, these 5 weeks of work have made me grow a lot in an instant. Different from my previous internship experience, this was my first formal job, so I put a lot of passion into it when I first entered the society. It is no exaggeration to say that this is the first time that I have integrated into a strange group so quickly. I am not a talkative person, especially not good at getting along with strangers, but when I get along with xx financial colleagues (including my boss), I don't feel strange or stressed at all. Perhaps this is one of the advantages of entrepreneurial businesses.

The reason why I chose xx Finance as my first job is, of course, because it attracts me. Some people say that my choice is like buying stocks, but I don’t think so. Although startups like xx Finance are more risky than entering mature companies, what I value is not this, but what I value here. What can be done.

1. My understanding of the Internet finance industry

From the first day I entered the company, I have been asking myself "What is Internet finance?" To this day, I still Asking yourself this question. Because it is always innovating and changing.

If you check it online, Baidu Encyclopedia will tell you that "Broadly speaking, Internet finance is the product of the integration and interaction of network technology and financial services. All financial businesses carried out in the Internet and mobile Internet environment All belong to the category of Internet finance; but in a narrow sense, Internet finance includes third-party payment platform model, P2P network micro-credit model, financial service platform model based on big data, crowdfunding model, online insurance model, and online sales of financial wealth management products "But this is just an academic term. If I want to truly understand Internet finance, I know that we must go deep into it. We must not only understand its business process, profit model, etc. from the perspective of an Internet finance company, but also from the customer's perspective. Really participate. Therefore, I started trying to manage money through Internet finance. In my opinion, this is not an opportunity to make money, but an important way to learn Internet finance.

My major in college is finance, but there is no doubt that what we study is limited to the "traditional financial industry". For the new thing of Internet finance, it may still take two years to be included in textbooks. Before joining the company, like many people, I was a "layman" to Internet finance. I thought that the difference between Internet finance and traditional finance was only the media used in financial services. But this is not the case. When the extremely opaque traditional finance merges with the extremely transparent Internet, everything changes. In Internet finance, the tenets of "openness, equality, collaboration, and sharing" guide the traditional financial business to continuously transform toward "more transparency, higher participation, better collaboration, lower intermediate costs, and more convenient operations" ; In addition, the "relationship sales model" prevalent in China no longer plays a leading role in Internet finance. The effect-oriented sales method will place more emphasis on "product value", focus on amplifying the customer and user experience, and let the product itself convince customers. .

China’s current financial system is highly monopolistic, with insufficient and opaque competition, low efficiency in serving the real economy, and financial services that have not kept pace with economic development. Genetic changes are urgently needed to promote this. The most important force for change is the Internet. Internet finance will have a huge impact on traditional banking business due to its advantages such as resource openness, cost intensification, marketization of choices, independent channels, and value-added user behavior. The existing models of Internet finance mainly include third-party payment, P2P, crowdfunding, big data finance, Internet currency and Internet information portals, such as xx Finance, Rong360, Lufax, etc. So why do these intermediaries exist? In traditional finance, after paying high service fees to intermediaries, consumers do not receive good services and have a bad consumption experience. In particular, they mistakenly believe that the fees are collected by the bank, so they have high expectations for bank services. The business of Internet finance mainly consists of three things: information matching, procedural services and packaging of some borrowers. Its low fees and low entry barriers can bring customers better services and consumption experience.

The rise of Internet finance coincides with a critical period of my country’s financial industry reform and is the inevitable result of the reform of the financial system and the development of Internet technology. Internet finance is not only a useful supplement to traditional finance, but will also promote the improvement of my country's financial efficiency and profound changes in transaction structure and financial architecture. Internet finance has brought new challenges to the original financial industry in terms of "disintermediation", "pan-financialization" and "full intelligence".

2. What I have learned

1. My colleagues

If I use only one word to describe xx Finance, it is unity, and this is also What attracts me most about the company. A group of young faces, innocent and cute but revealing passion and courage. They are unwilling to follow the path that others have taken, but instead start a new journey of their own again and again.

Perhaps it is because when entering the company, everyone was prepared to advance and retreat with the company, so few people care about personal gains and losses at work, which truly confirms the company spirit of xx Financial - the company's interests come first . During the internship, most of the colleagues I came into contact with worked overtime every day and would finish their work before leaving no matter how late it was. Some even worked at home at three or four in the morning. They worked overtime on weekends without any complaints. Instead, they were full of passion. They said they were on call 24 hours a day. No exaggeration. From these colleagues, I truly understand that in a start-up company, what you have to care about is not salary or benefits. Your growth and dedication are your real gains and happiness.

In more than a month, I have gotten better and better and more comfortable with my colleagues around me. The entire company has always been very harmonious, colleagues always help each other, and the leaders are not harsh, but will give you guidance when you don't understand, remind you when you make mistakes, and encourage you when you succeed. I used to think that only under strict rules will employees perform their duties, but I was wrong. An environment like xx Finance does not breed laziness and irresponsibility. Instead, it makes you pay attention to the details of your work all the time. Remember the mistakes you have made. In short, it is not easy to have such a group of united and passionate colleagues. In the big family of xx Finance, everything is so natural.

2. My boss

The first thing I did when I entered the company was to attend the morning meeting held by the president. The first meeting with the CEO made me inexplicably nervous. Maybe it was because of his words. The serious expression on his face may be the strength emanating from his every move.

I always used to call him Mr. Xu, although he does not have the style of a boss, because I think the company is the company and the title is necessary. But he always insists on calling him Xu Zewei, which puzzles me. But after long-term contact, I understood that maybe he wanted to get closer to his employees, because he always regarded us as his good friends and shared everything he thought was valuable with everyone, so that everyone in the company could be happy. Being able to grow with him will promote the growth of the company.

Mr. Xu is very busy every day and has very little time in the company. He always says that his task is to find resources for the company, and our task is to make good use of these resources. He would give us "classes" whenever he had time, but this class was not like a college class. There were no profound theories or boring books. Every word he said was his experience gained through practice. He seems to be accustomed to treating us as children, and he will remind us of no matter how trivial things happen, as long as he thinks of it. Perhaps because of this, he always seems to have endless worries and busy things. He is still sharing new things with us after 1 a.m. every day, and goes to work with everyone the next morning. In my eyes, such a boss is definitely worth learning from.

3. My future

Before joining the company, I was still blindly submitting resumes and blindly looking for jobs. I didn’t know what I wanted or what I was suitable for. xx Finance gave me an opportunity to get to know myself, and it also allowed me to see what I lacked. As Mr. Xu said, there are only two types of successful people: those with excellent professional skills and those who are good at utilizing the resources around them. But I am neither of the two. There is no right or wrong job, only whether you do it or not. Seeing yourself clearly is the first step to success.

I feel very lucky to be able to enter xx Finance as soon as I graduate. On the one hand, I think Internet finance is an industry with great development prospects, and xx Finance is only the best in this industry; on the other hand, the company's own atmosphere and team make me extremely satisfied, and I firmly believe that this will be the right one. choose.

Although the company has encountered different problems since its development, industry competition has become increasingly fierce, and government supervision has become increasingly stringent. In the future, xx Finance will surely move towards a more complete industrial chain, a wider geographical area, richer products, and more In-depth trading direction development. I firmly believe that the future of xx Finance is extremely bright, and I will realize my own value in xx Finance. Therefore, I devoted myself wholeheartedly to my work from the beginning. I didn’t care about whether I worked overtime or whether my salary was high or low, because I knew what I needed most now, and I also knew that the company and I were inseparable from each other. Summary of Financial Internship 4

My financial internship was an unexpected internship, because I had no hope at all at the time, but in the end it actually let me go, which surprised me. As a young boy who has never been exposed to investment before, this is definitely an excellent training opportunity. So I cherish it very much, work hard every day, and take notes carefully. Hehe, I felt so good at that time, so full of energy!

Under the guidance of the company’s training staff, I slowly understood the investment model, some technical indicators in the stock market, etc. in three days; I was also able to understand charts and data, and roughly predict the market trend. , Hehe, I felt so excited at that time! The daily market analysis of veteran traders is also an important part of learning. I can observe the market based on their thinking and the basis for their analysis; at the same time, I can think about my own.

As time went by, I gradually began to understand financial investment from knowing nothing about it, and it gradually lost its mysterious veil in front of me. Practice also made me truly realize that without professional knowledge as a basis, it is very difficult to rashly enter a new industry. I have to pay more than others, but the gains may not be as much. A classmate from the finance major who participated in an internship with me was very good, both in market analysis and in actual operations. Her analysis is no worse than those of the old traders, and is even more organized. Hey, it can be said that "every row is like a mountain"! Later, an old trader also asked me to do stock reviews, and I felt very nervous. Although I have been involved in this industry for a while, it is too short to make such a professional comment. Alas, I can only say it with this old face. I don’t care whether it is right or wrong. Just follow my way of thinking. That's it. hey-hey!

Perhaps everything is fresh in three days! The days that followed were uncomfortable. It was so hard to stare at the market every day! The K-line that beats every day dances in front of your eyes in a gorgeous dance for four hours. The shaking is really uncomfortable! I always want to sleep after get off work every day, my head feels groggy, and I don’t want to study on my own. I guess I have become several dozen degrees of myopia this month!

Although there was so much hard work, I was still very happy when the internship was over, even though I didn’t earn a penny! First of all, I understand the basic methods of investment and know how to use some technical indicators in the stock market to analyze the trend of the stock market. I can barely count myself as a professional, although I am not considered a "regular army". Maybe, if I want to trade in stocks one day in the future, I can avoid taking some detours. This month's practical training is the first step for me to contact and understand society. It is a good opportunity for me to find gaps and further understand myself. Although this internship is not in the corresponding major, it has increased my understanding of the financial industry and laid a good foundation for me to enter the society in the future. Thirdly, this internship allowed me to get in touch with students from other majors, broaden my social contacts, and make new friends. I will cherish these intangible valuable possessions. Here, I would like to thank the company for providing such an internship opportunity, which gave me the opportunity to understand the financial industry; I would also like to thank all members of the company for their strong support and help in my trip.

Through this internship, in addition to giving me a certain understanding of the basic business of the Agricultural Bank of China 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 schools and work units is that you must have a strong sense of responsibility after entering society.

At work, we must have a strong sense of responsibility, be responsible for our own positions, and be responsible for the business we handle.

If the work that should be completed that day is not completed, the employee must work overtime; if the wrong money is accidentally made and cannot be recovered, the person in charge must be responsible for compensation. .

Secondly, I think everyone must stick to their professional ethics and strive to improve their professional quality after working. As the saying goes, to work in a profession, you must understand the rules of the profession. I have a deep understanding of this from my colleagues in the internship unit. For example, some businesses require identification documents. Although the customer may be someone they know, they will still ask the other party to show their ID. When the other party complains, they will always patiently explain why they must do this.

The work attitude of bank employees is particularly important. For example, in the attitude towards customers, first of all, use honorifics, such as "Hello, please sign, please go slowly"; secondly, convey information to customers You must stand up and pick up and drop off with both hands. Finally, you must patiently answer some questions and inquiries from customers.

This made me realize that what is required in real work is our rigorous and meticulous work attitude, so that we can develop in our own positions.

Finally, I feel that in actual work, although academic qualifications are very important, personal business ability and communication skills are more important. Anyone can do any job after doing it for a long time. In actual work, hands-on ability is more important. During the internship process, I deeply realized that if we combine the knowledge we learned in college with more practical practice, so that we have strong ability to handle basic practices and more systematic professional knowledge, this is our internship the real purpose. Summary of Financial Internship 5

As a second-year student majoring in finance at the University of International Business and Economics, in the past year, I have passed the "Money and Banking", "Financial Market" and other subjects The study of basic courses gave a preliminary understanding of the system and operating mechanism of commercial banks. However, during my studies, I also realized that what I was learning was basically theoretical knowledge from developed Western countries, which was somewhat different from the actual situation of banks in China at this stage. Therefore, under the background that the RMB business is about to be fully liberalized, the independent setting up of the China Banking Regulatory Commission and the signing of the Basel II Capital Accord, I think it is very necessary to go to China's commercial banks to intern to understand the development status of China's commercial banks, and at the same time also It is conducive to the study of professional courses in the next stage. Hua Xia Bank, as a state-controlled joint-stock commercial bank established in 1992, not only retains the nature of a state-owned bank, but also has the vigor and vitality of a joint-stock bank. Therefore, I am honored to be an intern at Huaxia Bank Yulin Branch and gained a valuable training opportunity.

The credit department is the main department for my internship. I have a rough understanding of the following four main businesses: loan business, bank acceptance bill business, bank acceptance bill discount business and guarantee business.

Because the profits of Chinese commercial banks are still mainly the difference between deposits and loans. Therefore, the credit department plays an important role in the bank, and internal supervision from higher-level branches and external supervision by the central bank are very strict. When an enterprise applies for credit business, the bank first conducts a credit rating on the enterprise and reports it to the branch, sub-branch or head office of the corresponding level according to the specific credit limit. The credit review department then approves the maximum credit limit, which means you are credited. Finally, the bank will provide corresponding loans to the industry based on the superior's reply and the actual situation. Each business transaction will be reported to the central bank's database through the commercial bank's credit system, which not only facilitates review by superiors, but also enables other banks to understand the company's credit situation and ensure maximum resource sharing. The main benefits of credit supervision:

1. Strengthen the control of bank credit and reduce risks. The larger the credit limit, the higher the level of review unit required. This reduces the possibility of illegal loans and facilitates banks’ inter-industry credit control.

2. Strengthen information communication among commercial banks. Because when every enterprise applies for credit business, the central bank forces it to provide a unique loan number.

However, in recent times, the phenomenon of real estate speculation has gradually attracted the attention of banks. They usually purchase residential buildings in large quantities through personal home mortgage loans in their own names or in the names of relatives and friends. There was even a phenomenon where three customers bought out the entire property. At present, it seems that such real estate speculator groups or individuals can usually repay their loans on time, and the signing of repurchase agreements means that banks have basically no operating risks. But as soon as they see house prices rising, they immediately pay off all their loans to gain equity and sell immediately for a profit. Since the loan period of real estate speculators is extremely short, the loan interest received by the bank is very little or even difficult to recover the loan cost. Therefore, banks currently have stricter examinations on this business and basically do not handle this business for customers who have overseas accounts and have lived in Chengdu for a short period of time.

The Central Bank has introduced new regulations since last year: withdrawals from settlement accounts can only be made through the basic account under it, and any amount exceeding 50,000 yuan must be reported to the Central Bank for approval. Because savings accounts cannot be transferred, and settlement accounts are strictly controlled. Of course, in response to the special requirements of individuals and enterprises, temporary and special accounts are set up under the settlement account, but the account opening conditions are higher and there are time limits.

The direct purpose of the state's detailed management of bank accounts is to strengthen the supervision of cash, and the ultimate purpose is to crack down on criminal activities of tax evasion. Because each fund can only flow between bank accounts, it is difficult to cash it out without authorization, and the flow of funds is recorded in detail. Therefore, regulatory authorities and tax authorities can promptly grasp the funds and flows between enterprises, and at the same time, they can focus on checking the legality of large amounts of funds, thus maintaining the stability of the financial market. However, in actual practice, since the rules do not have specific provisions on the amount of money below 50,000 yuan, and there are no relevant rules and regulations on the number of withdrawals and the total amount, there is a loophole in theory: using the form of ant moving to Large sums of money were broken into small amounts to avoid supervision.

In fact, this practice already exists, but due to the increase in the number of withdrawals, the procedures are complicated. Currently, banks only handle it for customers with close relationships. Through this internship, I have deepened my understanding of state-owned commercial banks and gained a preliminary understanding of the main tasks at this stage. I have gained a lot. At the same time, I would also like to thank the leaders of Hua Xia Bank Yulin Branch for their support and help. ;