For more information about the reflections of students in the Department of Business Administration, I invite you to read below.

Thoughts from students in the Department of Business Administration

Entering the last year of college life, the college life full of passion and challenges is coming to an end, and we have also transformed from freshmen juniors and juniors to seniors. The senior brothers and sisters of the fourth grade are facing the threshold of joining social work, or joining the postgraduate entrance examination, or joining the wave of job hunting. Most of us have to face work and society that we have prepared for for a long time, and professional internship is our first step into society.

As a student majoring in business administration, we mainly cultivate talents who will be engaged in finance, sales, human resources, marketing and operation management in the future, and cultivate reserve resources suitable for the development of modern enterprises. Participating in bank internships can help you understand corporate financial operation processes from a banking perspective, become familiar with bank credit and e-commerce related operations, and understand the relevant knowledge and abilities of the financial industry in daily work. At the same time, through bank internships, I can expand and accumulate my network base and adapt to the rigorous and efficient work rhythm. Therefore, in this graduation internship, I chose Bank of China Liangjiang Branch as the graduation internship unit. During the internship, I broadened my horizons, increased my knowledge, and became familiar with the basic operations and skills of banking work. This laid a solid foundation for entering the society and gained a lot.

According to the school’s graduation internship requirements for undergraduates, I conducted a ten-week graduation internship at the Bank of China Liangjiang Branch from July 7 to September 12, 20**. With the help of staff in various positions, I further understood the bank's structural system, department settings and operating procedures, and gained a deeper understanding of the bank's work content. During the internship process, I worked with department members to expand their knowledge and business Literacy. During the internship, I worked as a bank card assistant and lobby assistant in the personal finance department. With the help of the unit's instructor, I became familiar with the main economic and business activities of financial institutions and systematically learned the practical work of basic bank operators. Practical working ability has been well exercised and improved. The following is a detailed summary of my internship.

1. Introduction to the internship unit:

1.1 About Bank of China

The full name of Bank of China is Bank of China Co., Ltd., and its head office is located at No. 1 Fuxingmennei Street, Beijing . It is one of the five largest state-owned commercial banks in China (excluding Hong Kong, Macau and Taiwan) and ranks third among the five largest banks in China. Bank of China's business scope covers commercial banking, investment banking and insurance. It has holding financial institutions such as BOC Hong Kong, BOC International, and BOC Insurance, and provides comprehensive and high-quality financial services to individual and corporate customers around the world. Calculated in terms of core capital, Bank of China ranked 7th in the "World's 1,000 Largest Banks" ranking by the British "Banker" magazine in 2013.

1.2 History of the Bank of China

The Bank of China was established with the approval of President Sun Yat-sen on January 24, 1912. Officially opened on February 5, 1912. Therefore, Bank of China is one of the oldest banks in China.

In April 1950, the General Management Office of the Bank of China was placed under the leadership of the Head Office of the People's Bank of China. Since the reform and opening up, various businesses of Bank of China have made great progress, and it has entered the forefront of the world's large banks.

In 2003, it was designated by the State Council as one of the pilot banks for the joint-stock reform of wholly state-owned commercial banks.

On August 26, 2004, Bank of China Co., Ltd. was established, marking a new chapter in the history of Bank of China and starting a new journey. It became the first domestic company to issue and list H shares and A shares in full circulation.

1.3 Business of Bank of China

Commercial banking business is the traditional main business of Bank of China, including corporate financial business, personal financial business and financial market business.

1) Corporate financial business

Corporate financial business is the main source of profits for Chinese banks. Including deposit business, loan business, financial institution business, international settlement and trade financing business, and other corporate financial businesses.

2) Product and service innovation

In line with the latest business needs of corporate customers, Bank of China combines and innovates corporate financial products; increases product cooperation with financial peers, and actively develops inter-bank corporate credit Asset transfer business; launch of Rongyida (financing services based on accounts receivable), Tongyida (pledge and issuance of accounts receivable), Rongxinda (financing services based on accounts receivable insured by export credit insurance) ) and Ronghuda (goods pledge financing) and other products have further enriched the "Da" series of trade financing products.

3) Personal financial business

Personal financial business is one of the strategic development priorities of Bank of China. Including savings deposit business, personal loan business, personal intermediary business, "Bank of China Wealth Management" services, private banking business, bank card business, and channel construction.

4) Product and service innovation

Relying on its global service network and diversified service platform, Bank of China provides customers with a full range of financial services and continuously innovates and launches new domestic and foreign currency financial products.

We continued to promote overseas wealth management counter business and provided convenience for customers’ cross-border asset allocation.

5) Financial market business

Bank of China’s financial market business mainly includes: proprietary trading and agency business of local and foreign currency financial instruments, various types of securities or index investment business in local and foreign currencies, Debt capital market business, client financial management and asset management business, financial agency and custody business, etc. Bank of China mainly operates treasury business through five trading centers established in Beijing, Shanghai, Hong Kong, London and New York.

6) Product and service innovation

The design and quotation capabilities of new products are one of the main competitive advantages of Bank of China’s financial market business. Bank of China has always adhered to the innovative concept of customer demand-oriented, relying on its rich experience in foreign exchange business and the professional knowledge of strategic investors, and is committed to attracting customers through the development of innovative and tailor-made financial products and services.

2. Purpose of internship:

(1) Understand various knowledge of the financial industry, especially the banking industry, and enrich your knowledge.

(2) Exercise your work practical ability, improve your interpersonal communication skills and hard-working spirit, and cultivate job adaptability.

(3) Increase social experience, expand network resources, and complete internship plans.

(4) Maintain a good relationship with the unit leaders and employees during the internship, leave a good impression on the employer through your internship performance, and strive for a green channel for school recruitment or the unit's intention to retain.

3. Internship position and work content:

Internship position:

Personal Finance Department Bank Card Assistant Sales Department Lobby Manager Assistant

Job content:

Bank Card Assistant of the Personal Finance Department:

1. By learning the relevant knowledge of the department’s credit card business, master the relevant office operation procedures, and understand the specific details of the department’s public and private business Operation, guide customers to handle specific business.

2. Organize and archive customer credit card files, achieve customer data collection, and assist the department in completing customer personal and corporate loan processing, post-loan tracking and verification, and non-performing loan collection.

3. Assist in completing performance appraisal reports and data entry for all employees in the department.

4. Assist the department to complete monthly work reports, adjust the format of relevant table data, and be responsible for the transfer of department business communications when the department's work is complicated.

Assistant to the lobby manager of the sales department:

1. Learn the various tasks at the front desk of the bank and the details of the bank’s financial products, secured loan business, bank cards, and credit cards , assist the lobby manager in handling various daily tasks of the bank. When necessary, assist the counter and financial manager to process bank customer data and conduct timely return visits to customers. Since he is a male employee, he is also responsible for the daily security work of the bank, and is of course limited to maintaining order in the lobby.

2. Assist the lobby manager to handle bank lobby matters, such as guiding customers, introducing financial products to customers, and solving problems related to customers and the bank. Participate in various arrangements and customer marketing for bank hall sales.

3. Assist the counter to work, guide customers to fill in various forms and reply, and help the counter to guide customers. Carry out targeted promotion of high-end bank products to VIP customers, etc.

4. Assist financial managers to process bank customer data, mainly completing data entry and data classification after customers purchase financial products or apply for various functional bank cards.

5. Customer return visits, mainly after the customer has successfully purchased financial products, call them to inform them to continue to follow up, and assist in informing some important customers before the financial products are launched, or make phone calls to unfamiliar customers. Promote financial products, etc.

4. Specific internship content:

Learn the corresponding theoretical basic knowledge and various bank-related documents, learn the basic knowledge of counter operations and various documents issued by the People's Bank of China. The lobby manager assistant is the link between customers, counter staff, and account managers. Therefore, you must first learn the relevant knowledge of the counter so that you can better answer customer questions, guide customers to handle related business, maintain order in the lobby, and reduce the workload of tellers. , improve overall service efficiency. There are five main parts of counter-related knowledge: public business, private business, joint bank business, credit business, and corporate business. This specifically includes the study of vouchers and related subpoenas, operating procedures, and transaction codes. In the process of learning, you must be very careful, because these knowledge points are both scattered and detailed, and for a bank service staff, especially a teller, any small regulations may lead to immeasurable consequences if the operation is wrong. At the same time, they must also study relevant documents issued by the People's Bank of China and understand the direction and dynamics of bank reform based on changes in internal regulations of commercial banks. Only by fully understanding the provisions of these documents can we establish a stronger sense of service and competition, satisfy customers with high-quality services, and strive for greater survival space for banks with strong competitiveness.

Learn lobby marketing skills and answer customer inquiries.

When working in the lobby, special attention should be paid to etiquette. Etiquette is the behavioral norms and standards formed by people in social activities. Managers who deal with customers all day represent the image and reputation of the company, so they must be cautious in everything. To do a good job as a lobby manager assistant, you must be able to do the following: capable, steady, confident, and friendly. You must be able to respond quickly to customer needs, be able to show a calm attitude towards different problems that arise in the lobby, and handle and solve situations tactfully. As a lobby manager, you must be able to communicate with customers in a low-profile and friendly manner. Communicate and communicate, but we cannot be submissive. We should be confident in ourselves at all times. When customers are confused, we point them in the right direction; when customers encounter difficulties, we lend a helping hand; when customers are confused, we patiently explain; when customers are dissatisfied, we comfort them in a timely manner. At any time and anywhere, we care about customers' concerns, think about what customers want, and win the trust of every customer with perfect service. Let every customer feel our smile, feel our enthusiasm, feel our professionalism, and feel at home. Etiquette in business mainly includes four major contents: (1) Answering customer questions. (2) Divert customers during business operations. (3) Maintain order in the lobby. (4) Marketing of appropriate financial products. Therefore, as a lobby manager, you must have rich knowledge, the ability to adapt to changes, and the eloquence of marketing.

5. Internship experience and experience:

After this graduation internship, as a new college student, I have a deeper understanding of society, become familiar with the job and work requirements, and correct myself. work attitude. At the same time, during the 50 days of working together, I developed profound friendships with my colleagues, expanded my network, and cultivated etiquette, thereby expanding my business literacy as a business major and laying a solid foundation for future work. .

Through this internship, the internship is accompanied by an in-depth understanding of banking business and an improved understanding of the specific work of the bank. I have a deeper understanding of the meticulousness and rigor of the bank's work, and also understand the bank's Reasonable reasons for charging annual fees for customer bank cards. Considering the efficient use of bank resources, the bank charges an annual fee to avoid unreasonable occupation of bank resources by customers applying for multiple bank cards, thus avoiding the complexity of bank card files and reducing the operational difficulty of bank card files and management. , at the same time, it encourages customers to rationally use the limited bank cards in their hands, improves security awareness, and also reduces the workload of post-loan work such as bank card fraud and credit verification, and maintains financial security.

The internship process was also accompanied by the understanding and respect for the banking business team. It is precisely because of the high-quality staff team of Bank of China, who work together and work hard for the department's achievements that we have created It has created the image of a united and responsible large enterprise.

Through this internship, I realized more clearly that the bank has transformed from the original professional bank to the universal commercial bank, and the bank has transformed from the original currency bank to the current universal bank. In addition to traditional deposit and loan businesses, modern commercial banks also operate financial services such as funds and insurance, as well as value-preserving and value-added products such as precious metal handicrafts, to diversify operating risks, reduce risks caused by the main business, and actively expand the bank's intermediary business. business and increase income, which will help enhance the bank's flexibility and expand its profit points. As a special enterprise, banks have special regulatory mechanisms and must take into account the "three characteristics" principles of profitability, liquidity and safety in their operations. Profitability is the goal, safety is the foundation, and liquidity is the prerequisite. Commercial banks must consider the relationship among the three in an overall manner during their operations, comprehensively weigh the pros and cons, and cannot neglect any one of them. Maximize profits while maintaining safety and liquidity. Now that we can actively expand the bank's intermediary business, for the bank's own development, it will undoubtedly greatly increase the bank's business scope and operating capabilities, and promote the healthy development of the bank as a whole. Especially as a student majoring in management, when I see Bank of China leading other banks in foreign exchange, precious metal crafts, etc. after a century, I am full of expectations for my future work. But at the same time, I also found that I was deficient in speaking.

As a newly graduated college student, realizing the change of role as soon as possible is the first task that a college graduate faces when he first enters the society. For newly graduated college students, it is not realistic to start a great career from the beginning. Instead, they must start from the smallest work, and even repeat those "small tasks" over and over again. This requires us not only to change in action, but also to accept and change psychologically and ideologically, and to fully realize that greatness is accumulated from the ordinary. As the book says, success is the accumulation of hard work. An ordinary person is a kind of person who does not have high expectations but lives a very serious life. First of all, the attitude is optimistic, viewing life as an experience in constant struggle, being able to withstand the ups and downs of life, and being able to treat everything with a tolerant mind. Always do complex things simply, do simple things repeatedly, do repeated things happily, and do happy things with your heart. If you want to become great, you don't necessarily have to achieve brilliant achievements, because the decisive factor that constitutes greatness is just being more ordinary than ordinary people. After recognizing these clearly, role change will no longer be a problem. Through this internship, I have a detailed and profound understanding of banking work, and it is also a trial for future work.

It is an important part of accumulation and experience in my college career and even in my life, which will play an important role in my future study and life. This graduation internship has undoubtedly become a platform for me to enter the society and laid a good foundation for me to enter the society in the future.