What positions do bank interns have and what do they need to do?

General bank internship positions mainly include lobby teller positions and assistant manager positions. The main work of the teller post includes account opening, cash deposit and withdrawal, loss reporting, cancellation and exchange of large and small bills. And the assistant position of the lobby manager may mainly be "welcoming guests, guiding the way, helping guests and seeing them off". It's all basic work.

What you do as an intern in a bank depends on your position. Common internship positions include assistant to lobby manager and assistant to customer manager. The business of assistant manager in the lobby is to divert customers, help customers solve difficult problems, introduce banking business to customers and promote wealth management products. The assistant position of account manager is mainly to sort out business data every day and negotiate business activities with account manager. For example, POS machines, credit cards, and a few small loan businesses.

First, the standards of private households in major banks

According to the Measures for the Sale of Wealth Management Products of Commercial Banks issued by China Banking Regulatory Commission, it is clear that the standard of private bank customers is that the financial net assets should reach more than 6 million yuan, but this standard is not uniform in the specific implementation of banks. The standards of private banking customers mainly need to be based on the standards of private banking customers in the bank where the customers are located.

(1) The standard for private banking customers of Agricultural Bank, Bank of Communications, China CITIC Bank, Ping An Bank and Zheshang Bank is that the daily average financial assets are above 6 million yuan (inclusive).

(2) The standard of China Construction Bank, China Merchants Bank and China Everbright Bank is the average daily total assets of 6,543,800 yuan and above.

(3) The standard of ICBC, Shanghai Pudong Development Bank and Minsheng Bank is that the average daily assets are above 8 million yuan.

In the asset management or wealth management industry, the division of customers is a technical job. At present, there are at least the following categories:-ordinary customers, high net asset value, qualified investors and private banking customers. Taking the financial management of commercial banks as an example,

1,-General customers used to be subscription investors, with a starting point of 50,000 yuan, but now they are changed to 1 10,000 yuan.

2. A high net asset value customer refers to a commercial bank customer who meets one of the following conditions:

(1) A natural person who subscribes for wealth management products at a time of not less than RMB 1 10,000 yuan;

(2) A natural person whose total financial net assets of individuals or families exceed RMB 1 10,000 when subscribing for wealth management products, and who can provide relevant certificates;

(3) A natural person whose personal income exceeds 200,000 yuan per year for three consecutive years or whose total family income exceeds 300,000 yuan per year for three consecutive years, and who can provide relevant certificates.

3. For qualified investors, this is the division of private equity funds by new asset management regulations and new financial management regulations. Qualified investors refer to natural persons, legal persons or other organizations that have the corresponding ability to identify risks and bear risks, invest no less than a certain amount in a single asset management product, and meet the following conditions.

(1) has more than 2 years of investment experience and meets one of the following conditions: the family financial net assets are not less than 3 million yuan, and the family financial assets are not less than 5 million yuan.

Or my average annual income in the past three years is not less than 400,000 yuan.

(2) A legal entity with a net asset of not less than 1 00000 yuan at the end of the recent period.

(three) other circumstances that the financial management department considers qualified investors.

Among them, the amount of investment by qualified investors in a single fixed-income product is not less than 300,000 yuan, the amount of investment in a single mixed product is not less than 400,000 yuan, and the amount of investment in a single equity product, a single commodity and financial derivatives is not less than 6,543,800 yuan.

4. The customers of private banks are divided into three categories: the average daily balance of financial assets is 6 million yuan, 8 million yuan and 6,543.8+million yuan, which varies from bank to bank. Obviously, private banking customers have the highest standards among all customer types, followed by high-net-worth customers, qualified investors and general customers.