What is the difference between the internship summary of Postal Savings Bank and other banks? The following is a summary essay on the internship of the Postal Savings Bank that I compiled for you. Welcome to read!
Chapter one: Overview of the practice of Postal Savings Bank.
My name is XX. It has been more than five months since I was assigned to work in the city branch of Postal Savings Bank on XX. Through this period of continuous learning, I feel that I have grown rapidly and matured a lot.
Now I will write down some experiences in my work and life as my internship report.
After reporting to the bank, go to Zhongshan Street for an internship first. My specific job is the lobby manager, responsible for maintaining order in the lobby and answering customers' questions. Two months later, I was assigned to the credit department of the city branch. Before June 65438+February, he was mainly responsible for customer consultation and acceptance at the front desk. In February 65438, he participated in the eighth batch of loan officer training of the provincial bank and began to formally lend money.
During my internship in Zhongshan Street, I changed from a student to a bank clerk. I have changed in many ways during this period, so I won't go into details here. Let's talk about my work experience. Specifically, the first thing is not to waste time. In the network, there is relatively a certain time for me to control myself. At this time, I will read through the specific business system of the bank several times, so that when I am the lobby manager, I can easily solve the customer's problems. After work, I read several books related to banks, such as "Operation and Management of Commercial Banks", which is my college textbook and I have read them several times. Good things are more grinding? On June 5438+065438+ 10, I took the bank qualification examination and saw good results. Although there was a labor competition in the credit department at that time, the time was tight and there was not much review time, but the subjects I applied for passed smoothly, reaching more than 70 points. This is due to my study in Zhongshan Street. The second experience is to be good at thinking, which is also a question of thinking and doing. Do a good job, but not just work. What else do you need? Think? , that is, think more. Summarize the problems encountered in the work and use what you have learned in school to analyze and solve them. First, don't waste time; Second, think more at work and combine work practice with theory to improve work. I think these two people will become two beliefs in their life work and stick to it.
After arriving at the credit department, I was responsible for customer consultation and acceptance in Zhongshan Street. At that time, we had just advertised in the blue sky business information in the newspaper, and the acceptance volume soared. There are usually more than 20 consultants. At this time, I summed up the common questions that every customer came to consult, and combined with our workflow, I wrote a "customer acceptance notice". In this way, when customers come to accept applications, I distribute written notices to each customer, which greatly improves work efficiency, service level and customer satisfaction.
It may be because I have been working for a long time and I feel very accepted. I think acceptance is an extremely important step in credit work, which can improve the success rate of loan officers' investigation. Many unqualified customers were brushed off when they accepted it. Therefore, I basically attend every loan review meeting, communicate with loan officers, see if the customers I accept can succeed and why they fail, give timely feedback, and apply the feedback information to the front desk acceptance, thus improving the quality and level of acceptance.
During my work at the front desk, I borrowed the original credit training materials from the old loan officer, read them through twice, and studied the original provincial training courseware several times, so that when I do the sub-survey or participate in the loan review meeting, I can confirm each other and deepen my understanding. Moreover, before I went to the provincial bank for training, I independently investigated several customers, and deepened my understanding of microfinance through the processes of investigation, table making, loan meeting, recording system and loan lending. Later, during the training, due to previous experience and accumulation, I felt that the learning effect was particularly good. After the training, I started to borrow money. Although I have studied it for a long time, I still feel lacking when I go to investigate. At this time, I paid attention to learning from the old loan officer. After more than half a year's training, each loan officer has his own unique methods and advantages. It is a great asset for him to learn the investigation skills of every loan officer.
This is my experience in working in a bank for five months. I think, in the future, I will always stick to my two beliefs, not wasting time, focusing on learning and summing up, learning from textbooks, learning from old loan officers, learning from work practice, thinking and summing up diligently.
The above are some experiences and understandings of my own work, but I have gained more in these months' work.
When I was an intern in Donghuan, the director of the branch was Hu. Before coming, I heard that Donghuan's wealth management business was doing well. After my internship in Donghuan, I found the answer. The presidents of other branches work in the office, and Hu works in the lobby. The East Ring Road is small and there is no lobby manager. Hu is the lobby manager himself. I don't have much time in Donghuan, but in my impression, Hu rarely sits inside. For every customer who enters the door, she is particularly enthusiastic, personally solving problems for customers and introducing our wealth management products, with a particularly positive working attitude. And this, I think, may be the reason why Donghuan's financial management tasks are among the best. Contact myself, I am very open-minded and enterprising, which may be the biggest gain of my internship in Donghuan. I am actively involved in my work, and my work has been significantly improved; I applied my passion to my life, and I also found my satisfied girlfriend.
On the first day in the bank, I met a very cheerful and optimistic girl. Later, I realized that it was Lan. After being assigned to the credit department, Director Lan is my direct leader. Through more than three months of communication, I found that Director Lan has many bright spots: optimism, cheerfulness and workaholism. What has the greatest influence on me is director Lan's optimistic attitude towards life and work. Although Director Lan is under great pressure in both work and life, every time I see her, her face is always full of smiles, infecting herself, infecting us and inspiring us. I, on the other hand, have benefited a lot from applying this optimism to my work and life. Because when I communicated with my girlfriend later, she said that she was attracted to me because she felt that I had a sincere love for life and was optimistic about my future life. Here, I would like to thank Director Lan. In the days to come, I will keep this sincere love and optimistic attitude towards life.
When it comes to life, you can't help but talk about director Xia Jiao. From the first day, Director Jiao was in charge of our life and work arrangements. From asking for a house from the enterprise, to Director Jiao personally taking me to the street to find a house, to finally posting on the Internet to rent a house, to buy bedding, a bed and a table, to change curtains, to buy washing machines, water heaters, yuba, televisions and so on. , and then move, etc. I have further in-depth contact and understanding with Director Jiao, and I feel that Director Jiao is very simple and very similar to my personality. In the bargaining between Director Jiao and the merchants, I learned what a sense of responsibility is. After work, I know what dedication is with the real estate agent who runs around the streets with Director Jiao. When I live in a warm and bright house, I feel what love and care are. ? You are the first batch of college students in our bank and the future of our bank. Your life arrangement is not good, I am not at ease, and neither is President Guo? . Director Jiao's simple words made me deeply feel the care and care of the leaders. Alone outside, the weather is getting colder and colder, but I seem to feel the warmth of home again. Tayu Lo's "Love Song 1990" faintly rings in my ears? Life is a blue and white cloud that is hard to give up after all? . I think my life can be without money, flowers and applause, but absolutely without the nourishment of family and friendship, without the care of family members, without the care of relatives, without the harbor anchored in my heart. I think it will be a kind of happiness if I can live surrounded by feelings all my life. Really? Life is a blue and white cloud that is hard to give up after all? .
Everyone has his own advantages, and everyone has his own unique qualities. In a threesome, there must be a teacher. Learning from people around you may be more valuable and practical than what you learn from textbooks.
Recently, I learned a lot during my training in the provincial bank, which may have been learned after working for several years. I think this training is not only business study, but more importantly, through the lecture given by Director Wang Hui, I learned a lot of higher-level things about bank management and the core ideas within microfinance, which will definitely guide my future work at a higher level. Later, I took the time to go to the bookstore in Zhengzhou and bought more than 300 yuan of books, most of which were books on bank management and credit at home and abroad. I think, although working in the credit department is very tiring, I must give full play to my comparative advantages, learn more, learn some ideas about bank credit at home and abroad, apply them to credit practice, and constantly improve myself. Through working practice, especially the credit training of provincial banks, I feel that credit is a technical and challenging subject, and I am more and more interested in credit and devote myself to it.
Recently, I have learned something from reading. During the training, Director Wang Hui emphasized the brand of our Postal Savings Bank, and its core competitiveness is not price, but service. Always sincere? , to serve the bank. In that case, I wonder if we can add another item to the credit service: providing information services to customers, in addition to the advantages of fast loans, simple procedures, no miscellaneous fees and no permission. Some time ago, I investigated several households by myself, and once I chatted with my customers, who inadvertently said that they needed a batch of poplar seedlings and didn't know where to get them. At this time, I occasionally think that a customer who sells electric cars has planted many poplars in his hometown. I tried to make a phone call, but I didn't expect it to exist. As a result, a deal was made. Therefore, I wonder if we can use the information of the credit department to promote business communication between customers.
And this is just a low-level service. I think every loan officer will gradually deepen his understanding of some industries and form some mature views on how to improve them through several years of investigation, especially by communicating with some customers with particularly successful business. In this way, when communicating with some customers who are not very experienced in business, we can give customers some business information guidance, which invisibly establishes our quality service brand and expands me. Next year, our bank will provide loans to SMEs. During the training period, we can strengthen the management consulting training for some small and medium-sized enterprises. Through the contact and business dealings between loan officers and small and medium-sized enterprises, some mature management concepts and methods will also be formed. In the mainland, the management of many small and medium-sized enterprises is extremely irregular. Giving these SMEs some information services in enterprise management consulting is also an effective form to improve the service level, which is also in line with our brand concept. Perhaps, this will also become another profit point of our bank.
After training, I also have some knowledge about credit. After several months of practice, I also have some immature suggestions on credit work. For example, I think we can give customers a repayment card after the loan, on which we can write some tips to cultivate personal credit, such as the consequences of overdue, our good performance, long-term cooperative relationship with customers with non-performing loan ratio below 0.5%, good credit incentives, and our choice of quality customers. The scheme has been approved by President Wang, Director Lan and colleagues. I have written the content and handed it in these two days. I think this will at least save our loan officers a lot of breath.
Working in the Postal Savings Bank for more than five months is an important stage in my life, during which I learned a lot and matured a lot. Busy work makes me feel full of life, and the care of family and friendship keeps my soul moist. I think I will stick to my belief all my life: be proactive, love life, don't waste time, keep learning, improve my quality of life while making greater contributions to the Postal Savings Bank, and realize my life dream with the Postal Savings Bank!
Chapter two: the practice summary of Postal Savings Bank.
When I first came to the Postal Savings Bank as an intern, my work and life were all strange to me, because I couldn't fully understand the language here at that time. On the first day of registration, I was a little nervous and uneasy, but I was warmly received by President Chen and my colleagues, and then President Chen arranged for me to study savings business.
With the help of my colleagues, I have made rapid progress in all aspects and have a new understanding of banking work. Working in a bank, especially as a front desk clerk, should first have a patient working attitude. Banking is a service industry, and service attitude is the basis of customers' recognition and reputation for our bank. In particular, many retired people come to Xinzheng Street Sub-branch to handle savings business, and a patient attitude can well narrow the distance between banks and customers. Second, be careful. Every business of a bank must conform to the facts, do it right, do it fast and do it well. This is not only responsible for our customers, but also for ourselves. The third is to be responsible. Want a hug? Work hard and be an upright person? Principle, be diligent and earnest in the internship position. During your work, you should finish your tasks on time seriously, and you can't be sloppy.
This month's internship, my biggest experience is that personal development and ability progress not only need superb skills, but also need loyalty to work and work-centered professionalism, that is, you can settle down. This is mainly reflected in many small things in daily work, starting with the details. In today's fierce competition in the financial market, we should not only strengthen our theoretical quality and professional level, but also strengthen our professional skills, so as to be handy in our work and better provide convenient, fast and accurate services to our customers. In this era of information explosion, knowledge is updated too quickly, and it is definitely not possible to rely on the original knowledge. I want to be diligent in my future work, ponder over it slowly, and keep learning and accumulating. When you encounter something you don't understand, ask others modestly, take notes, and understand and analyze it carefully.
From this internship, I realized that there is a certain distance between the actual work and the knowledge in books. Although the internship business is mainly based on relatively simple front desk savings business, it helps me to have a more comprehensive understanding of the basic business of the bank. Every penny in business should be counted clearly, and you can't ignore it just because you have less money, so as not to miscalculate. 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 exercises are particularly important. If I combine what I learned in college with more practice, I can test the truth with practice, so I can have a strong ability to deal with basic practice and systematic professional knowledge.
During the internship, I got a basic understanding of the savings business, some intermediate business and corporate business, and had a superficial understanding of the business development of Xinzheng Street Postal Savings Bank.
As far as traditional business savings are concerned, after decades of development, all banks have done relatively well, and now they are improving their new products and service quality. Our existing savings products include green card, green cartoon, current passbook, all-in-one card, Taobao card, fixed deposit and lump-sum withdrawal, which can basically meet the needs of customers at this stage. The colleagues in Xinzheng Street Sub-branch have a good service attitude, especially President Chen. When an unreasonable customer is noisy, he always explains patiently until the customer is satisfied. Shake hands and leave happily. The service quality is not the best, only better. Customers are the profit source of banks, and establishing a customer-oriented service concept is the basis for banks to survive in the fierce market competition. When a customer handles business in a bank, it should be a process of enjoying good service. In order to let customers enjoy good service, we should think from the customer's point of view in the process of handling business for customers, and business personnel should not do anything that harms the interests of customers in order to complete the task. Think about what customers think and worry about what customers are anxious about. For example, when a customer complains that he can't inquire details because he doesn't know the inquiry password of his husband's card, we should not only explain why our bank has such regulations to get the customer's forgiveness, but more importantly, we should think from the customer's point of view and realize that what customers want most is how to inquire details, so at this time we need to provide other ways for customers to inquire details on the premise of complying with relevant regulations. When the customer's needs are met, the original contradiction does not exist. I quite agree with this sentence: it is not too difficult to do a good job, as long as we do a little more than customers expect.
In terms of intermediary business, remittance is the advantage of Postal Savings Bank, because its business outlets are all over urban and rural areas, which facilitates rural remittance, and there are many varieties for customers to choose from, as well as special services such as SMS receipt and postscript, which are convenient for customers and shorten the distance between customers and banks. During my internship for one month, Xinzheng Sub-branch took out five insurances with an amount of 43,000 yuan. The insurance business is not ideal, and few customers take the initiative to buy insurance. Many customers bought insurance only after the front desk staff did a lot of marketing, which shows that customers don't understand our insurance business. On the one hand, China, especially the rural people, have a strong traditional concept of saving and a weak awareness of capital investment. On the other hand, due to the lack of publicity on insurance business, many depositors should not know that our bank has this business. So I think it is necessary to increase the publicity of intermediary business such as insurance, so that depositors can know and understand our intermediary business. In addition, there are not many types of insurance business in our bank, so we chose one type of insurance among the insurance sold. I think, the variety is rich, and some varieties can meet the needs of different classes of customers, so that we can lay a good marketing foundation in the publicity process.
In addition, the development of POSS machines, e-commerce and credit cards can promote the development of savings and enterprise services. As far as Shangyitong is concerned, its access balance is customers whose daily average balance exceeds 654.38+10,000 yuan. It is a quality, priority and preferential service for these settlement customers, which can effectively attract these customers. Moreover, the liquidity of settlement customers is strong, and deposits are mainly current, which is conducive to improving the deposit structure of the Bank, reducing the cost of funds and promoting the steady growth of the Bank's balance. The cultivation of this high-end business has also laid a good customer base for the development of other businesses of the bank. At present, only Agricultural Bank of China has developed e-commerce business, which is a good development opportunity for our bank. Therefore, it is particularly important to increase the development of intermediary business such as Shangyitong at this stage.
The work during the internship is very busy and full. The space of life must be set aside by cleaning and trimming, and the space of mind must be expanded by thinking and understanding. When I turned to face the sunshine, I found that the sky was full of clouds, and I was happy. I am no longer trapped in the shadows, sighing that bloom has faded. I began to learn to find happiness from my work. After work, we must stick to our professional ethics and strive to improve our professional quality. As the saying goes, to do a job, you must understand the rules of a job, study your own business knowledge hard, and do your best for a better tomorrow for the Postal Savings Bank.
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