Agricultural Bank of China Internship Summary 2000 words
Internship is after a period of study, or when the study comes to an end, we need to understand what we have learned needs or should How to apply in practice. Because any knowledge comes from practice and belongs to practice, it must be put into practice to test what has been learned. The following is a 2000-word sample article about the internship summary of the Agricultural Bank of China, for reference only!
Internship location: Agricultural Bank of China
Internship time: xxxx From x month xx to x month x
The one-month internship is about to end. A month ago, according to the school's graduation internship requirements, I came to XX Bank for an internship. Although this is only a short internship, for me, it is an important part of my college career. It will play a very important role in my future study and life, especially the support given by my colleagues and bosses. role model.
My internship position at XX Bank is XX. During this month of study and work, I became familiar with the main economic and business activities of financial institutions, systematically studied and better mastered the XXX work of the bank, Both theoretical level and practical working ability have been exercised and improved. The work internship is now summarized as follows:
1. Introduction to the internship unit
The Agricultural Bank of China is one of the four major banks in China. It was originally established in 1951 and is the first bank established in New China. A state-owned commercial bank, it is also an important part of China's financial system. Its head office is located in Beijing. It ranks among the world's top 500 companies and ranks 8th among the "World Bank 1000". In 2009, Agricultural Bank of China was restructured from a wholly state-owned commercial bank to a joint-stock commercial bank and renamed "Agricultural Bank of China Co., Ltd.". In 2010, it completed the dual listing of "A H" and ranked first among listed banks in the world in terms of total market value. 5 people.
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 contents:
(1) Through internship at the Agricultural Bank of China, we will further understand and consolidate the basic theories and basic knowledge of various financial courses learned in school, and learn to integrate theory with practice , enhance the ability to solve practical problems by oneself;
(2) Meet the school’s social practice requirements through internships, and become familiar with the main economic and business activities of the Agricultural Bank of China under the guidance, help and education of the unit’s instructors , more systematically study the operating procedures of bank personal financial management work and daily business;
(3) Learn how to better adapt to the new work environment and correct your own learning and work attitude, for a better Lay a firm foundation for entering society;
(4) Summarize the internship experience, fill in the internship appraisal form, and write an internship report.
3. Internship content
After a week of study and internship, I have generally mastered the basic business processes. The next step is to learn the savings business. The branch'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 intermediate business acceptance, etc. For each business, I learned the transaction codes and operating procedures of its ABIS system. The business can be mainly divided into two categories: single-fold subsystem and credit card subsystem.
(1) 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 the customer 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. 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.
(2) Credit 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 issued plans to encourage banks to lend to small and medium-sized enterprises, within each bank, There are strict controls. 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 issue loans. The staff who review the loan possibility perform their respective duties.
During an internship at a bank, it is essential to learn how to reconcile accounts when handing over work between tellers every day. During reconciliation, in addition to checking whether the cash accounts are consistent, you must also check whether important blank vouchers are missing and subpoenas. Whether it is continuous and so on. 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. Although it is troublesome, these are essential steps, and a mistake in one step can lead to catastrophic disaster.
4. Internship experience
? What you learn on paper will eventually make you realize it, but you will definitely know that this matter must be carried out. ?During the short internship process, I deeply felt the superficiality of the knowledge I learned and the lack of professional knowledge in practical application. In the beginning, I felt unable to start with some tasks and felt at a loss. This makes me feel very sad. 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."
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 strong The ability to handle basic practices and relatively systematic professional knowledge are the real purpose of our study and internship.
The internship at the Agricultural Bank of China will serve as a bridge for me to enter the society in the future. It is an important experience in life and an important step. 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.
Every subtle progress during the internship process is inseparable from the help given by my leaders and colleagues. I would like to thank them here for their meticulous care and help, and I would like to thank the school and the Agricultural Bank of China for giving me This internship opportunity allowed me to train myself, and I would like to thank my parents for their silent support. In my future study and work, I will definitely learn basic skills solidly, always maintain a positive attitude to look at problems, and live up to everyone's teachings and expectations. ;