Summary of bank employees' work Fan Wenxuan

Summary of bank staff 1? 20xx 10 year 10. On October 28th, I attended the campus job fair of Xi Branch of China CITIC Bank in Xi Jiaotong University.

Summary of bank employees' work Fan Wenxuan

Summary of bank staff 1? 20xx 10 year 10. On October 28th, I attended the campus job fair of Xi Branch of China CITIC Bank in Xi Jiaotong University. Then, after interview, written examination and round after round of screening, I got the internship opportunity of CITIC Bank. 20xx65438+February 1 Started internship in Xi 'an Qujiang Sub-branch of China CITIC Bank. Graduation practice is the last course in university study, and it is also a test of university study in the first four years of society. I worked as an intern in the accounting department and retail department of Qujiang Sub-branch of China CITIC Bank for two months, and personally experienced the work of the general teller and lobby manager in the business room.

? Unit background:

? CITIC Bank Xi Branch was established in August 2006 at 5438+0. At present, * * has 18 branches in the same city and 120 ATM outlets. Since the establishment of/kloc-0, it has actively participated in the construction of a strong province in western Shaanxi and economic development, and has carried out extensive and in-depth cooperation with Shaanxi characteristic industries, advantageous industries, large groups with obvious comprehensive benefits and high-quality small and medium-sized enterprises with obvious development potential around the "five big" target markets proposed by the provincial party Committee and the provincial government, namely, large regional planning, large industrial construction, large group leading, large project supporting and large market operation.

? Since 2008, it has won many honors, such as "Strong Economic Development Unit in Shaanxi Province", "Excellent Financial Unit in Shaanxi Province", "Top Ten Brand Enterprises Creating Wealth in Shaanxi Province", "Civilized and Standardized Banking Service Demonstration Unit in Shaanxi Province", "Best Financial Bank in Shaanxi Province" and "Shaanxi Red Flag Pioneer Unit in 30 Years of Reform and Opening-up". Xi 'an Qujiang Sub-branch of China CITIC Bank, which I worked as an intern, was established in the second half of 20 10, located in Datang City, a city that never sleeps in Qujiang, and officially opened in June of 2010/year.

? Internship purpose:

? 1. Through the internship in Xi 'an Qujiang Sub-branch of China CITIC Bank, I further consolidated the basic theories of accounting, finance and monetary banking, and relied on theory to integrate with practice to enhance my ability to solve practical problems.

? 2. Through the internship in Xi 'an Qujiang Sub-branch of China CITIC Bank, I met the social practice requirements of the school, and with the help of the unit instructor, I became familiar with the main economic and business activities of financial institutions and systematically studied personal banking.

? 3. Through the internship in Xi 'an Qujiang Sub-branch of China CITIC Bank, I learned how to better adapt to the new environment, correct my learning attitude and lay a foundation for better entering the society.

? Internship content:

? When I entered Xi 'an Qujiang Sub-branch of China CITIC Bank, Qujiang Sub-branch was still in the final preparatory stage, so the first part of my internship was not a specific job. What I do most this month is to experience, absorb, understand and summarize. What I think most is attitude and responsibility. Below, I briefly summarize my internship from three aspects: corporate culture, service quality and business knowledge and skills.

? Respect corporate culture

? Before I came to CITIC Bank for internship, interns were basically handyman in my concept, but when I came to CITIC Qujiang Sub-branch, I found it was different from what I expected. Although you are an intern, everyone will treat you as a colleague. No one gives interns all the things such as serving tea, copying, sending and receiving faxes. Starting from trivial matters, starting from the simplest, as a newcomer to the bank, even in the simplest place, sometimes I won't. When I ask those almost idiotic questions, no one around me will be impatient, explain them to me seriously, and sometimes take the initiative to help me answer what I don't understand.

? share

? I have heard a saying that "the disciples of the church starved to death". Before the internship, I was worried that the master would not teach or guide me without reservation. But I was wrong again. In Qujiang Sub-branch, no one is selfish from the president to the manager to every colleague. President Sun shared his training gains, Manager Yue shared his reading experience, and other colleagues shared their previous work experience. What impressed me most was that the President said, "Everything starts with me. In adversity, mentality determines everything. " I live in the northern suburbs, and I am an intern in Qujiang Sub-branch. It takes me more than three hours to commute every day. At first, I complained, wronged and shed tears at home, and even thought about giving up this job. But slowly, with the idea of exercising my perseverance, I feel that although I waste time on the road every day, I can use it to think about things that I don't have time to think about, and so on. The mentality has changed, and I go to work with a happy heart and a grateful heart every day. In short, everyone here will share what they think is worth sharing, and we will promote and make progress together.

? Functional quality

? As an intern in an accounting position, I understand that the accounting teller is the front line of the bank and the bridge and link between the bank and its customers. Quality service plays a vital role in this work. Not only gfd, but also language, actions and gestures. Quality service is sincere service from the heart, and customers should be treated like family and friends. We often say that it is easy to smile and show your teeth. One minute may not be difficult, but it is not easy in a month or a year. Therefore, only treating customers sincerely and smiling from the heart is a simple and happy smile and a real smile.

? Accounting knowledge and skills

? I majored in accounting at school, but the accounting work of banks, especially the operation of front desk tellers, is still far from my major in corporate accounting at school. For example, the bank's unique anti-money laundering knowledge, reconciliation knowledge, risk prevention knowledge and related laws and regulations, which I basically learned from scratch. Qujiang Sub-branch doesn't have a formal business period. Besides helping to complete the relevant work in preparation, there is still plenty of time to learn this knowledge every day, which has laid a good foundation for me to learn from the counter. In terms of skills, I have special time to practice counting money, playing calculator and inputting Chinese every day. Of course, in addition to special time, I will also take time to practice by myself and improve my skills as soon as possible.

? On 20 11June1,Qujiang Sub-branch officially opened to the outside world, and the internship life gradually got on the right track. Before operating the business front desk, you must be familiar with the entire operating system of CITIC Bank, which is currently using a unified version. At the beginning of the internship, memorize the trading codes in the main trading menu, especially the daily trading codes. After getting familiar with the operating system, start to do the actual operation. At first, I studied with the master and learned how to apply theory to practical operation. Wait until you are fully familiar with it, and then start to operate slowly.

? Qujiang Sub-branch adopts the teller system, that is, each transaction is completed by a salesperson alone, and the operation process must be very cautious and pay attention to the specification of the operation process. When collecting cash from customers, you need to identify and count the "front and back" of the bill, enter the cabinet after confirmation, stamp "Done" on the corresponding voucher, then enter data and print the document. When paying cash to customers, we must combine manual counting and machine counting, both of which are indispensable. The function of manual banknote counting is to prevent banknotes from being completely separated when they are glued by the machine. The whole bundle of banknotes can only be paid after being unpacked and counted by the machine. In addition, be sure to ask the customer "how much to withdraw" before payment, and then check the amount.

? Counting banknotes is one of the basic skills of bank tellers. Sitting posture, gesture and angle of putting money, fingering, strength between fingers and coordination ability of hands, etc. , are skills that can be mastered through hard exercise. In the case of large deposits, the speed of bundling money is very important. The application of fingering in "bundling banknotes" is the key. Hold a bill in your hand, press it in the middle with your thumb to make it arc-shaped, and tie it tightly to the outer edge with the other hand. After two turns, fasten the original tape, wrap it twice, and finally flatten the whole bundle of banknotes, so that a banknote can be fastened firmly.

? Other parts

? In addition to the work at the front desk, my internship also includes learning and understanding post supervision and real-time monitoring. Post supervision strictly controls the transactions in the business office, which is a tedious "proofreading" job. Its significance is especially reflected in the comprehensive and systematic supervision of potential risks (such as large payment and suspicious payment). In contrast, real-time monitoring reflects the "timeliness" of preventing risks. Make full use of the daily trading early warning system, you can find major risks in time and eliminate them as soon as possible.

? 1, post supervision operation

? At the end of daily business, the total number of transactions and the total transaction amount of each basic business registered on the daily business rolling bill are checked with the original voucher respectively, and then the transaction serial number printed by the voucher and the transaction amount filled in by the customer are entered one by one in any order of the original voucher, and the system will automatically check the two contents and echo the other contents in the transaction serial number. If any discrepancy is found, the error will be recorded manually.

? 2. Supervise the operation of large suspicious payments and anti-money laundering systems.

? The parameters of suspicious payment transactions are as follows: the cumulative withdrawal in a single day exceeds 500,000 yuan; The centralized (one-time) transfer amount of a single account 10 exceeds10,000 yuan and it is transferred (withdrawn) for more than three times. The accumulated cash payment of a single account in 10 day exceeded RMB 2 million, and the cash receipt and payment of RMB 2 million occurred before the account was closed 10 day. The anti-money laundering system is a unified version of the national banking system. After it is put into use, input relevant parameters, and then professionals will evaluate it and report it to the superior management department within two days.

? 3, the use of electronic risk early warning and inspection system for real-time monitoring.

? In order to ensure the establishment of effective off-site monitoring and inspection management, and realize timely and effective control of risks in the business process of deposit and remittance and cash flow, so as to improve the control and deterrence of off-site inspection and prevent and resolve the business risks of various deposit and remittance businesses. Real-time monitors must investigate the risks displayed by the early warning system, and mainly write off relevant risk warnings by telephone. When major risks are found, the inspectors must be informed in time, and the inspectors will conduct on-site inspections. When risks that are difficult to determine are found, the investigation task book will be sent to the investigators, and the corresponding investigators will investigate and eliminate the risks.

? abstract

? Through this internship, I have a more detailed and profound understanding of my major, and it is also the consolidation and application of the knowledge I have learned in the university in recent years. From this internship, I realized that there is a certain distance between the actual work and the knowledge in books, and I need to study further. Although the business of this internship is mainly simple front-office accounting, it has helped me to understand the process of bank accounting in a deeper level, which has greatly helped me to have a more comprehensive understanding of the basic business of the bank, not limited to books. In particular, the accounting division of labor is of great significance for commercial banks to guard against accounting risks. It plays the role of mutual restraint and mutual supervision of accounting personnel, and is also conducive to reducing the occurrence of errors and avoiding wrong accounts. As the saying goes, a journey of a thousand miles begins with a single step, and these basic businesses are often not fully understood in books, so basic practice is particularly important, especially in the current employment situation, reflecting that the job opportunities of senior technicians are far greater than those of college undergraduates, because their practical ability is stronger than that of undergraduates. From this internship, I realize that the real purpose of our study and internship is to combine what we have learned in college with more practice, and to test the truth with practice, so that an undergraduate can have a strong ability to deal with basic practice and more systematic professional knowledge.

? Bank staff summary 2

? Time is like a rolling river, rolling eastward and never coming back. The three-month probation period in the bank is like this rolling east, and it ends in one fell swoop. It feels like a dazzling time, and it is about to turn positive. During the three-month probation period, I further learned the relevant work experience through specific work, so that the theoretical knowledge of studying at school has a good practical way and has been well tested and consolidated.

? I came to xx Branch of xx Bank in xx month, and it has been three months and a few days since today. In fact, I should have written a summary of the probation period a long time ago, but I have no leisure until today. In these three months' work, my probation period is to work as a teller and counter in a bank.

? The first thing to do when joining a bank is to attend training. I need to receive training in this major in time. Seeing that the bank attaches so much importance to this piece, I understand the importance of this job and remind myself in my heart that I must study hard and work hard. The three-day training gave me a basic understanding of our bank, some rules and regulations of our bank, and some matters needing attention in my post as a teller. The three-day training can't teach me much professional knowledge, mainly to make me understand that I must take my work seriously and avoid taking it lightly.

? The three-day training will soon be over, and I will officially take up the post of teller. Put on the uniform stipulated by the bank, sit behind the big glass and make savings for customers. Our school has a special deposit and withdrawal simulation work, so when customers do savings work, they still complete it perfectly without any problems. It's the first time to handle it for a customer, and my hands are shaking. Check every data carefully, lest I accidentally make a mistake. When I reported the loss to the customer, I was a little busy at first and finished it under supervision. After a period of study, after three months, I have been able to do these jobs skillfully.

? Every day when I come home from work, I will make a summary of my work that day, summarizing what I have learned, what I should do when dealing with a certain business, what problems I should pay attention to and so on. Then when I encounter uncertain problems at work, I will ask my colleagues first, instead of making my own decisions. So those who have learned from colleagues will also take notes. These notes and summaries have helped me a lot. I will read them when I have time, so let me remember them firmly.

? In the final analysis, the work of bank tellers still belongs to the service industry, which tests the service level of bank personnel. Therefore, in the past three months, I have been insisting on handling business for customers with a smile. No matter what kind of customers I meet, I can always keep in mind that the bank emphasizes not to conflict with customers and strive to satisfy them.

? Well, this is the main experience of my three-month probation period. In the next work, I will make persistent efforts, continue to learn from you and continue to provide better services to customers.

? Summary of bank employees' work 3

? XX years as account manager, mainly responsible for loan management and credit marketing of * * expressway project. Looking back on this past year, in order to achieve the marketing goal of early investment and early effect, I have always actively exerted my subjective initiative and always paid attention to the word "diligence", working like a grass in my job. Thanks to our unremitting efforts, since the XX * * expressway project started in June 1 1, up to the end of June this year 1 1, the company's project loan balance in our bank was 1700 XXX, a net increase of 900xxxx over the beginning of the year, and the deposit balance was/kloc.

? First, actively strive for marketing and insist on deposits. Expressway project is the focus of loan marketing of various banks. Because of the marketing of this loan, it is conducive to stabilizing and increasing bank deposits and achieving a win-win situation for banks and enterprises; It is conducive to improving the quality of bank credit assets, optimizing the credit structure and accelerating the pace of development; It is also conducive to improving the overall competitive strength of banks. Therefore, banks attach great importance to it, and actively contact with * * company through various marketing means, requesting to increase the loan input to * * company. After our department obtained a loan marketing of 800xxxx yuan in xx, this year, according to the progress of the * * project and the company's capital use plan, we seized the opportunity in time and actively contacted the * * company. After unremitting efforts in the fierce competition, we issued a project loan of 900xxxx yuan to the * * company, which not only met the company's capital demand, but also achieved the win-win goal of early investment and early effectiveness of our loan, and also achieved our business objectives. The main performance is: 1, the president is in command and attacks in all directions. In order to seize marketing opportunities and realize timely investment, the president personally took the lead and went to * * Company for public relations, and discussed with the owners in various ways, so as to win the understanding and support of * * Company with our sincerity and quality service. 2. The account manager goes all out to provide all-round services. I often go deep into the enterprise to understand and master the progress of * * project, the availability of funds and the company's capital demand, communicate with * * company in time, report the loan approval materials according to our loan application and approval requirements, and make timely loan investment. 3, leave a deposit [net-find articles, surf the Internet], that is, leave income. * * The company is still under construction and has no operating income. Company deposits are mainly formed by project capital and bank loans. In order to win more deposits, we often give up our rest time when there is no ICBC business office in * * County. After many consultations with * * company, the company transferred RMB 8.6 million from other banks to our bank for many times. At the same time, in order to stabilize the deposit, every time * * company pays the project payment, it is required to pay from other banks as much as possible to keep our deposit to the maximum extent.

? Second, actively collect information and do a good job in post-loan management.

? * * expressway Project is a big credit marketer of our bank. After the loan is issued, in order to ensure the safety of our credit assets, we attach great importance to post-loan management and actively strengthen loan management. Specifically: 1. According to the requirements of loan management, actively collect information and improve loan procedures. At present, the Bank has collected all the information needed for the loan, such as the project scientific research report, preliminary design, project approval, environmental protection approval and commencement report, which has provided a guarantee for the loan safety of the Bank. 2, urge enterprises to earmark funds, and use the loan funds for * * highway construction. At present, our department has established an account for the use of loan funds of * * company, registered the use of each fund, and reached an agreement with * * company through consultation. Our loans are closed in the ICBC system. 3, often go deep into the construction site to understand the construction progress, according to the construction progress, to ensure that funds are used on the project as planned and as scheduled. 4. Do a good job in post-loan inspection in time and file post-loan information in time. Over the past year, I have made many in-depth inspections on the construction site, and formed eight post-loan inspection materials, two special inspection materials, four large household analysis materials, seven investigation materials and several report materials, which provided a basis for ensuring the loan safety and leadership decision-making of our bank.

? Third, pay attention to bidding and open a settlement account.

? * * After the completion of the civil engineering bidding for the first phase of expressway Project, in the 1xxxx bid section, only xxxx in * * county is available. Because our bank has no business outlets in * * county, the construction unit cannot settle business in our bank. In order to keep the deposit to the maximum extent, our company implements closed management of the funds of the bid section and its construction unit that open accounts in our bank, and all accounts of the supervision unit of the project company are opened in our bank. At present, opening a * * project settlement account xxxx in our bank is another growth point of our company's deposits and profits.

? Fourth, do a good job in services, strengthen contacts, actively promote e-banking, and promote all-round business development.

? Electronic finance business is the driving force of ICBC's development. In order to make full use of advanced settlement tools, as the account manager of * * Expressway, I give full play to the advantages of our settlement system, focusing on the promotion and marketing of new electronic banking products such as online banking, financial e-channel, remittance through train, mobile banking and telephone banking, and enhancing the service function of electronic banking. It has also established a comprehensive online banking cooperation relationship with Hubei * * expressway Management Co., Ltd. and the Economic Department of China Railway Bridge Bureau of * * Expressway, providing them with high value-added fund settlement, clearing and account management services, laying a good foundation for absorbing more settlement funds. At present, our department has signed online banking and wage payment agreements with the above-mentioned units, which not only facilitates enterprises, but also plays a positive role in promoting the business development of our bank.

? Five, actively do a good job in the marketing and deposit of other projects.

? While doing the project well, we also actively do the marketing and precipitation of other projects. * * Aochang Industry and Trade Co., Ltd. is a private enterprise with an annual sales income of 500xxxx yuan and a monthly cash flow of 4 million xxxx yuan. After completing this work, the company opened a basic deposit account in our bank. At present, our company has online banking and telephone banking. Next, I will market some loans for it. For such enterprises, I will open an account of xxxx this year. At the same time, a savings deposit of 65438 yuan+02xxxxx was organized through friends.

? The future work of intransitive verbs

? Over the past year, although some achievements have been made in all the work, there is still a lot of work to be done to achieve the marketing goal of early investment and early effectiveness of our loans and to fight the tough battle of secondary marketing. Therefore, the following aspects should be done well in the future:

? 1. Strengthen contact and public relations with * * company, eliminate the adverse effects of previous * * * events, and establish a better relationship as soon as possible. Because the consistency of loan entry time, quota and fund deposit is the focus of fierce competition among banks, marketing methods are constantly changing, from work to human feelings, we must do everything.

? 2. Strengthen post-lending management, actively pay attention to the progress of * * * expressway project, the availability of funds, the company's own needs and the use of funds, and collect and feedback information in time to ensure the safety of our credit assets.

? 3. The whole bank should cooperate with each other and strengthen all-round services to * * * company.