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发布网友发布时间：2022-05-05 04:57

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热心网友时间：2023-10-10 06:04

Bank internship report because the job is the main target in the banking instry, so I am in Ziyang Banking Bureau carried out more than a month of training. Through this internship, I learned more about the banking regulatory bureau work and bank business knowledge and on the banks the specific content, for my future occupation target to lay a good foundation. Me this practice involves the content, mainly familiar with banking business, only to understand the bank to carry on the good supervision and management. Among them, mainly studied the savings business, credit card business, loan business. Savings business savings department implements at present is the cabinet responsibility system, is each teller can handle all of the savings business, that is to open an account, access to cash, savings card, Certificate in did not want to corporate banking services departments did in accounting between the transmission, but each teller alone to carry on bookkeeping processing, bookkeeping. But each teller proced documents must be handed over to the relevant person in charge of the audit within the line first, and then passed to the superior line of "post audit". Credit card credit card by whether to have consumer credit ( advance) function is divided into credit cards and debit cards. Credit Card Cardholder is according to the issuing bank to pay the reserve for loan card and credit card. Credit Card Cardholder bank granted certain credit limit, does not need to pay the reserve can be in this line for consumption, monthly bank will print a piece of the customers of the consumption of inventory, customers can choose paid in full or part payment, if they choose the latter, were not paid as part of short-term bank loans to compound interest. While prospective credit card is to pay a certain reserve, then the bank to its certain consumer credit is a credit card. A debit card is no overdraft function, but can transfer settlement, access, consumption of a card. The savings roncador. Credit cards can also be by the use of object is divided into units card and personal card; according to the credit rating is divided into gold and ordinary card. Credit business e to the current actual situation, the financing of small and medium-sized enterprises, although the central bank has introced relating to encourage banks to SMEs loan scheme, however, in all banks are strictly controlled. CCB is so. Therefore, banks are also put a personal loan. Note that, the bank personal loan business and not directly to the loan to the indivial, but with the businessmen signed a protocol, is actually the loan to merchants, and merchants selling to the indivial, indivial and repayment to the bank. Banks and businesses in the signing of the agreement, review of business documents are complete. While the indivial to bank provide income proof, proof of identity and other. The general is to buy the subject matter as collateral, the most common is the chattel mortgage ( such as auto loans ) and real estate mortgage ( such as housing loans). Credit department executes is censoring system, is the loan customer development and specific loans, loan possibility of audit staff is one of the. Summary through this internship, I on the banks of knowledge and content of a more detailed and profound understanding, although this practice business focused on relatively simple proscenium business, however, this helped me deeper understand bank operation process, make me on the bank's business has a comprehensive foundation in order to grasp, the risks faced by banks in particular non-performing loans have further understanding of risk, and the risk management to have new thinking. These to my future work road has a very important impact