Selection of internship summary of China Construction Bank

What is the difference between the internship summary of China Construction Bank and other bank internship summaries? Take a look at the following sample essays on the internship summary of China Construction Bank, which I compiled for you. I hope it will inspire you!

Part I: Summary and Selection of Practice in China Construction Bank

Part I: Practice Purpose

Graduation practice is a process that we college students must go through and an important way to combine theory with practice. It enables us to understand society in practice and consolidate knowledge in practice. Internship is also a test of our graduates' professional knowledge. It allows us to learn a lot of knowledge and skills that we can't learn in class. It not only broadens our horizons, but also increases our knowledge, laying a solid foundation for us to go to society, which is the first step for us to go to work. This internship is mainly to be familiar with the basic operation process and loan products of bank loans, enter the enterprise practice, learn the operation mode of enterprises, combine theory with actual combat, guide actual combat with theory, and test theory with actual combat. Through internship, I will get in touch with the society and get to know the enterprise before graduation, so as to prepare myself for better job hunting and better integration into the society.

II. Internship time

XX to XX

III. Introduction of internship unit

China Construction Bank is one of the four state-owned banks and an important part of China's financial system, with its head office in Beijing. In China, China Construction Bank has branches all over the 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, CCB has also won a good reputation through its own efforts, and was named one of the top 5 enterprises in the world by Fortune. Putian Branch of China Construction Bank has been supporting the development of Putian's economy and playing an extremely important role in local economic construction. With beautiful environment and rich financial products, it wholeheartedly provides all-round and high-quality financial services for various enterprises, institutions and individual customers in cities and towns.

　? China Construction Bank, Building Modern Life? It is the concentration of CCB people's ideas and pursuits. Entering the 21st century, CCB will seek a broader service field and development space with excellent performance and continuous innovation. Its business philosophy includes the following four points: 1. Business philosophy: market-oriented and customer-centered. 2. Service concept: customer first, attention to detail. 3. Risk concept: know the customers, understand the market, involve all staff, and grasp the key. 4. Talent concept: pay attention to comprehensive quality and highlight performance effectiveness. The following is the organizational chart of Fujian Branch of China Construction Bank:

IV. Internship Contents and Process

My internship contents in Putian Branch of China Construction Bank are as follows:

(1) Learning the relevant theoretical basic knowledge of the department and various bank-related documents from the instructor

In the first few days of the internship, I mainly learned the relevant theoretical basic knowledge and various bank-related documents from the teacher. On the one hand, we should learn new knowledge, on the other hand, we should also learn relevant documents issued by the People's Bank of China. Combined with magazine publications such as bank of China finance news and financial research, we can understand the direction and trend of bank reform. The innovation and progress of banks are the basic conditions for competition with foreign banks. Therefore, banks should establish a sense of competition and service from top to bottom. At the same time, through the internship, we can learn about the bank's business. CCB's business structure is diversified, including corporate business, personal business, fund business, online banking and credit business, etc. My internship is mainly about credit business, including many kinds of loans, and I will learn the basic operating procedures and points for attention of these loans.

(II) Credit business

Due to the current actual situation, it is difficult for small and medium-sized enterprises to raise funds. Although the central bank has repeatedly issued plans to encourage banks to lend to small and medium-sized enterprises, there are strict controls within each bank. The same is true of CCB.

Therefore, banks have also invested 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 a certain agreement with merchants. In fact, it lends money to merchants, and then merchants sell goods to individuals, and individuals repay them to banks. When signing an agreement with a merchant, the bank examines whether the merchant's documents are complete. Individuals should provide relevant income certificates and identity certificates to banks. Generally, the purchased subject matter is used as collateral, and the most common ones are chattel mortgage (such as car loan) and real estate mortgage (such as housing loan). The credit department implements a separate system of loan examination and approval, that is, the staff who develop loan customers and specifically issue loans and examine the possibility of loans perform their respective duties.

(3) Learn basic banking operations from the general teller

While learning all kinds of relevant banking knowledge, I also actively learn basic banking operations from the general teller. Because the bank is implementing the teller system now, I don't have the opportunity to do real-time operation, so what I can do is to combine the skill operation during training with the operation of comprehensive teller, find out the difference between them, and record the transaction code and analysis code of different business types and the types of special business. But I also learned a lot from studying nearby. When the bank puts forward the principle of changing from product innovation-oriented to customer-oriented, it is the biggest challenge and test for salesmen. What a salesman requires is not only skilled business operation, but also how to communicate with customers and serve them. Service is better than management, and a good manager is a good server. At first, for that kind of newspaper, the life of the manager with a cup of tea changed completely here. Newspapers are a means to understand customers and banks. Tea is for customers. ? Create a learning organization and strive to be a learning employee? The diligent study spirit of every employee drives the extensive development of banking business. Through the contact with the salesman, I also learned about the bank's operation process and savings business. The teller responsibility system is implemented in the savings business, that is, every teller can handle all savings businesses, that is, opening an account, depositing and withdrawing cash, reporting the loss, canceling the hanging, exchanging large and small banknotes, accepting intermediary business and foreign exchange business, etc. For each business, I have learned the transaction code and operation flow of its abis system. Business can be divided into two categories: single passbook system and credit card word system. In addition, I also learned abis account rolling and intermediate business account rolling at the end of business, and learned how to print running water, account balance report, important blank voucher sales number table, important blank voucher detailed checklist, and check whether the summons number is accurate and the voucher elements are complete. And understand the significance of supervision and post supervision.

V. Reflections on the management post of Putian Branch of China Construction Bank

Deposit and loan are the most primitive and important business of the bank, so we must make effective use of deposits and create maximum benefits for the bank with live deposits, so I think credit management is the top priority of the reform. First of all, the staffing needs to be adjusted urgently, and the team of account managers should be greatly enriched. Take Duban as an example. In the whole credit department, there are X personal loan account managers and only X corporate account managers. In contrast, the personal loan business volume is far less than the corporate business volume. In this case, the loan account manager of each company often has to deal with X-X customers, and the account manager is often too busy, which directly leads to the decline of service quality, and in the long run, it is more likely to lose a large number of customer sources invisibly, which is an incalculable loss for the development of ICBC.

secondly, the marketing awareness needs to be improved. We should strengthen the expansion of customers and markets. We should not only rely on leading marketing, but also establish marketing awareness among all account managers. We can invite marketing elites to go to sub-branches from time to time to carry out marketing skills training and encourage business personnel to implement it? Go out? Strategy. In recent years, the grand occasion of Putian's urban construction and economic development is obvious to all. Under the guidance of various preferential policies of the government, more and more enterprises are stationed in Putian, including large enterprises such as Fortune 5, and more small and medium-sized enterprises, which can not be ignored. The number of potential high-quality customers is self-evident. CCB should take advantage of this good external business environment, take the initiative to attack and preempt marketing, and continuously develop new customers, while firmly grasping old customers.

finally, risk management is always persistent. The ultimate goal of lending money is to make profits. The heavy historical burden of the past has sounded the alarm for us. A good army does not fight unprepared battles, so it is necessary to strictly grasp risk management, especially to transfer ex post control to ex post prevention. (Legally, it is better to punish crimes afterwards than to prevent crimes beforehand.) However, strictly grasping risks does not mean sacrificing profits, and can provide financial services to customers to the maximum extent under the guidance of principled concepts. ? Product-centric? What is the undifferentiated and unitary credit management direction? Customer-centric? The change of personalized management.

VI. Summary of internship

In the past month, I have learned not only the related business of banks, but also a positive competition, courage to shoulder heavy responsibilities and conscientious work attitude, all of which have become an important asset in my life. I can't forget the great help my colleagues have given me in my daily work and specific business. Their mastery of banking-related policies and specific business knowledge, their handy maintenance of relationships with partners and specific customers and their positive and diligent working attitude have benefited me a lot.

This internship also made me deeply understand that it is very important to maintain good relations with colleagues at work. To do things, we must first learn to be a man, understand the truth of being a man, and how to get along with others is the most basic problem in modern society. Discover the importance and necessity of learning and communication. It is found that some interns get along with teachers like friends. Teachers like to ask them for help in everything, and they will be the first to think of them when there is any opportunity. It's not that they flatter or have background. It's that they get along as friends. On the other hand, a person has a lot of information and skills, and there are many places to help others. The more you help others, the more people are willing to help you, and your contacts are wide and you have more and more information. This forms a virtuous circle. To change a person's behavior, you must first change his mind. Most of the time, you will get what you want from others. I am deeply aware that I can no longer be alone. Lonely, others don't take the initiative and ignore themselves. Put yourself in your own small space. Always worry about other people's opinions and think of others as inaccessible. An open attitude makes people grow faster and better.

Chapter II: Summary of Practice in China Construction Bank

On October, 2xx, I came to XX Branch of China Construction Bank with excitement and gratitude, and became a formal CCB employee. In a blink of an eye, I have been in XX branch for more than two months. In order to better carry out my work in the future, I will now report the work at this stage as follows:

1. Work of the branch

I reported to XX branch of China Construction Bank on XX, 2XX, and arranged the personnel files of employees with my colleagues according to the unified arrangement of the human resources department of the branch. After work, I studied the staff compliance manual of CCB, counter English and some basic business knowledge of our bank. Through study, I got a preliminary understanding of the company's business.

II. Work of outlets

In X month, I was officially sent to XX County Sub-branch for English service. In the first two weeks of working in XX county branch, my main job was to assist the lobby manager to carry out his work. In XX county branch, there will be a morning meeting every morning, the main purpose of which is to summarize the work achievements of the previous day and specify the work tasks and goals of the day. In the morning meeting, the director will praise the employees who have made outstanding achievements the day before and encourage everyone to make persistent efforts. Through the morning meeting, everyone will devote themselves to their daily work with full enthusiasm.

as a lobby manager, the most work every day is for customers? Greeting, parting, moving and seeing off? . Smile and welcome customers when they come in; When there are many people, they are responsible for effectively guiding customers at different windows; Assist account managers and business consultants to introduce and recommend wealth management products; When the customer finishes the business, he sends it away politely. At the beginning, it was not clear what documents customers needed to fill in for different businesses, and the details of wealth management products were not understood. So I asked if I didn't understand, and humbly asked the clerk and lobby manager in the low cabinet area. Gradually get familiar with all kinds of business, right? Greeting, parting, moving and seeing off? I also have a deep understanding and my work is handy.

in late x, I went into the high cabinet area to visit the operator's operation process, and got a comprehensive understanding of the specific operation of the dcc system at the front desk. My predecessors also enthusiastically gave me help and guidance, especially Master Ren Junnan taught me to practice counting money. In addition, Sister Guo Cuilan also lent me the dcc operation manual and the teller's orientation manual, so that I could further learn the theoretical knowledge, which made me fully understand and improve the basic business of bank counters.

III. Internship Summary

As an assistant to the lobby manager, I was familiar with the personal business process of CCB; Know how to recommend financial products to customers, such as Bohai Fuli No.2, Sunshine Property Insurance, Anbang, etc. Find high-end customers in the process of communication with customers? More importantly, in my work, I deeply understand the dedication concept of CCB's customer service.

during my study tour in the high cabinet area, I fully realized that the front desk staff should be very careful, because the diversity, risk and complexity of the business and the slight negligence of the staff may bring great trouble to customers. In this process, I also realized the team spirit, professionalism, innovation and dedication of employees.

during my internship in XX county sub-branch, I also gave full play to my advantages in computer specialty, and handled computer failures such as printers and video playback for the branch office for many times, helping to sort out electronic documents, so that the office work could be carried out smoothly. Finally, thank you very much for giving me this opportunity. This Olympic English service will be a rare and precious experience. However, as a new employee, I still have a lot to learn. As always, I will learn from leaders and colleagues with an open mind, actively carry out business practice, make an effective connection for the specific banking work in the future as soon as possible, and make greater contributions to CCB. ;