A collection of commercial bank experimental experience examples

In the process of lending business, banks attach great importance to the investigation of customer credit, such as whether the personal credit record is good, whether the repayment source is true and reliable, etc. Factors are very important to banks. Credit business requires the establishment of primary and secondary files of customers, scanning of customer information, and multiple signatures from customers. The following is my experience in the commercial bank experiment, I hope it can help everyone!

The experience in the commercial bank experiment

In the blink of an eye, I have been working in Minsheng Bank for five years This is how my internship ended. In the meantime, I changed many departments, from the Eighth Business Department, the First Small and Micro Business Department, to the Planning and Finance Department. The brothers and sisters in each department were very good to me and took good care of me. I have many people to thank when I leave Minsheng. I feel like I learned a lot here, not just an internship. During the internship, with the help of the unit's instructor, 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 situation and experience of the graduation internship. I have mastered a lot of small and micro businesses and learned a lot of experience.

In the first days of my internship, I felt very tired physically and mentally. I thought about giving up, but what can I do after giving up? I kept asking myself, but all my colleagues taught them without reservation. Experience: Always insist on being a thoughtful person, learn business humbly, practice skills with heart, handle business patiently, and treat customers enthusiastically. The real bank may be different from everyone's imagination. It's not that easy work, and it's not that fun.

At the beginning, they only gave me some scattered work. The content was very simple, and the things they did were basically repeated. Boring was 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.

The most important thing in the business department is the loan business. I really feel that bank account managers have a particularly hard time. I often see them working overtime, sometimes until very late. One day I worked overtime with my brother until half past nine. Later, after communicating with them, I realized that working overtime is common after entering the society. I am not opposed to working overtime. I think if there is a need for work, I should still contribute more to my unit. However, I think that overtime cannot be evolved into a system. How can the legitimate rights and interests of employees be protected?

In addition, let’s talk about credit business. In the process of lending business, banks attach great importance to the investigation of customer credit, such as whether the personal credit record is good and the source of repayment. Factors such as authenticity and reliability are very important to banks. 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.

Among these departments, the one who impressed me the most is Sister Laijia. I really like this sister. She used to joke with me that she couldn’t get married. Just a few days ago She finally got engaged, and she even gave me wedding candies. I also jokingly said to her, "Stop joking, how could it be you who are engaged?" She said, "This time it's real, it's real, it's better than pearls." Really!? Haha, I’m afraid I don’t believe it. Congratulations to this sister.

There is also Sister Qian. She has an expressionless face and is the coldest person. She has few expressions and never expresses her words or actions. She looks like a strong woman. In fact, she is not. She is usually cold and cool, but in fact she is also very kind, with a soft heart under her cold appearance. Her smile point is very low, she can't hold it back when she smiles, and her gums are exposed when she smiles happily. Sometimes I see her leaning on her desk with an expressionless face, but she is actually just in a daze. She is very real. If it is, it is, if it is not, it is not. Whatever she can say is definitely true. She is our eldest sister, always taking care of the younger ones. She always told us not to be intimidated by the huge figures of deposits and loans. She told us, don’t doubt yourself. Whenever you doubt yourself, you have to say to yourself? There is nothing to be afraid of, it’s just a series of numbers! You are your own worst enemy. If you are not afraid of yourself, then what else can you do? What are you afraid of? Just do it openly!?

In the last two months, I was transferred to the Planning and Finance Department. There was a sister there also named Jiajia. She had a lot of work, almost Those who never stop working, even have to work hard during the lunch break. The more tasks she has to do, the more tasks I have to do.