1: Basic situation of internship
Internship time: January 14, 2011---February 13, 2011
Internship location: Bank of China Chongqing **Branch
Purpose of the internship: Be familiar with the operating procedures of various departments within the Bank of China, understand the basic business sectors of the bank, and have a specific understanding of bank work and knowledge, so as to enable you to understand the missing theories after returning to school Knowledge is replenished in time.
Two: Main contents of the internship
First week & second week: Internship in the business development department
I am very lucky to have stayed in this department for two weeks I met very good teachers who taught me a lot. This office is relatively large. There are 6 people working here. Their surnames are Huang, Jiang, Liu, Lei, Qin, etc. I usually call them Teacher XX. This department is mainly responsible for bank lending and credit card business.
One of the teachers named Huang led us to do bank card business for a week. Mainly dealing with large amounts of copywriting materials. When I was in college, I often saw people come to the dormitory to recommend everyone to apply for a credit card, and also asked them to fill in a detailed information. It was only after I went to a bank to do this kind of business that I realized that the information sheet for customers to fill out was only a small part of the work. In fact, bank staff had to reuse the information in these documents to create many other documents. , such as customer credit score table, customer information table, etc. The content is very simple, and what I do is basically repetitive, so boring is inevitable. However, this job taught me that work requires meticulousness. Even something as small as aligning information in the upper left corner can reflect whether you are serious enough about your work. Details determine success or failure. It seems that this is the first lesson I learned while working in a bank.
When it comes to the loan business, I really feel that bank business managers have a particularly hard time. I often see them working overtime, sometimes until very late. One day I worked overtime with a teacher until 7:30 (I got off work at 5:30). I was really hungry that day. Later, after talking to other friends, I realized that working overtime is common after entering the society. I don’t object to working overtime. I think if there is a need for work, you should still contribute more to your unit, but I think overtime cannot be evolved into a system. In this way, how can the legitimate rights and interests of employees be protected? Isn't this hindering the process of legal construction in our country? ?To digress, let’s talk about the credit business. In the process of lending business, banks attach great importance to the investigation of customer credit. Factors such as whether the personal credit record is good and whether the repayment source is true and reliable are very important to the bank. Credit business requires the establishment of primary and secondary files of customers, scanning of customer information, and multiple signatures from customers. It seems simple, but in fact it is very complicated. What impressed me the most was that the staff in the office each held a phone and were negotiating with the clients they were responsible for or answering various questions from the clients. Their voices were loud and they seemed not to be disturbed by others. It was very There is a hot atmosphere of the stock market.
The third week: Internship in the General Department
After staying in this department for a week, if I learned some practical operations in the business development department, then what I learned here It's purely theoretical knowledge and a "talk less, do more" work attitude. Compared with the business development department, this office is very deserted. There are only three teachers in it. They rarely chat, and even when they talk, they mostly stay within the work content. They either ask others about business knowledge that they are not clear about or have forgotten, or discuss work matters. thing. Because what they talk about is relatively professional, I rarely get to interrupt. Usually I hold the few "Bank Settlement Systems" on the table and study them by myself. On the first day of work, I was asked by the director to buy 20 rolls of double-sided self-adhesive tape. I only knew what double-sided tape was, but I didn’t know what double-sided self-adhesive tape was. I asked him how much a roll would cost. , he said 2 or 3 yuan. I thought I had asked in detail, but when I bought it back they said it was too loose, so I went to exchange it. After I exchanged it, the sister said that the value was less than 20 yuan and they couldn't issue an invoice. I begged for a long time and finally the invoice was issued. Invoice arrived. The summary is this: when the leader gives you a task, you must ask clearly. Otherwise, not only will the leader be dissatisfied, but you will also waste time and effort.
During this internship process, I also read the balance sheet and vouchers, but many of them could not be understood. It may be that the accounting knowledge is too lacking and I will have to make up for it in the future. What I learned the most here is the working atmosphere in their office: talk less, do more. I think this belief will bring good news to my future work.
The fourth week: Internship in the sales department
Everyone is familiar with the sales department, which is commonly known as the counter and lobby business. The work in the business development department is the most tiring but also the most fulfilling. There are endless things to do all day long. The general department is very laid-back and has a stable feel, but what I miss the most is the sales department. Because there are three people sitting at the counter here who were college students who entered last year, and one of them is a graduate of our Xicai. So I feel they are very kind. When we were together, we spoke a lot of languages, so we felt like we had found like-minded people. In the past few days, they patiently taught me a lot of counter skills and knowledge: transaction codes, counting money, bundling, bundling money, reporting losses, etc., and they were involved in almost all different business processing methods.
When I was working, I often saw the master who led me doing bank accounts. I joked that he had obsessive-compulsive disorder. If nothing happens, settle accounts. I think this bank regulation can make tellers work more focused and seriously, but I always feel that work efficiency is sacrificed and employee pressure is increased.
My internship was mainly for the first four weeks, and there was another day dedicated to studying the rules and regulations of the Bank of China and the theoretical knowledge of counter business. Another big gain from working in the bank is learning Wubi typing. As the saying goes: There are many skills but no one can overwhelm you. I think if you practice Wubi, you can greatly improve your typing speed. In short, I saw bank employees operating various businesses, and I also experienced some of the business processes. After seeing the rigorous work style of those professionals, I also learned a lot, including how to deal with others. I hope that I can win step by step in my future work.
There are other bank internship research reports on the blog, you can refer to them! !