First, the internship unit profile
Guangdong Development Bank is a joint-stock commercial bank established in September 1988 with the approval of the People's Bank of the State Council and China. Guangdong Development Bank is committed to providing quality financial services to the public and the economic development of China. Since its establishment 2 1 year ago, it has always adhered to strict norms, pioneering and enterprising, unswervingly taken the road of "characteristic management", and strictly followed the management principles of modern commercial banks, standardized operations and steady development. Facing the competition and challenges after the full opening of the banking industry in China, Guangfa Bank will continue to carry forward the spirit of keeping pace with the times, pioneering and innovating, promote the steady and coordinated development of various businesses, and strive to build itself into a modern commercial bank with advanced management, excellent service, excellent reputation and strong competitiveness.
The business scope of Guangdong Development Bank is all banking business stipulated in the Commercial Banking Law, which mainly includes: absorbing public deposits and issuing short, medium and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange lending; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing foreign exchange credit cards; Buying and selling foreign currency securities other than stocks and acting as an agent; Issuing and acting as an agent to issue foreign currency securities other than stocks; Self-operated and valet foreign exchange transactions; Acting as an agent for issuing and paying foreign credit cards; Offshore financial business; Credit investigation, consultation and witness business. Other businesses approved by the People's Bank of China and China Banking Regulatory Authority.
Second, the internship experience and experience
From March 4th to April 28th, I came to Kunming Branch of Guangdong Development Bank as an intern. Although the internship time is not long, during this precious time, I learned a lot, enriched and practiced the theoretical knowledge of the university, and at the same time deeply felt my lack of knowledge and strengthened my belief in active learning. At work, the change of work attitude is an important asset in my life. "The technical level can only make you reach a certain level, and a serious and responsible attitude is the real magic weapon to improve you." A word from the director taught me the first lesson of internship. During the internship, I studied with an open mind, worked hard, completed the task seriously, and established a good relationship with my colleagues, which was unanimously recognized by the employees in the industry.
(a) to learn the corresponding theoretical knowledge, as well as various documents.
A few days before the internship, I mainly studied with the director. On the one hand, I have to learn the relevant practical operations, among which accounting accounts for the majority. I have to consolidate my existing knowledge and learn new knowledge. On the other hand, I have to study the relevant documents issued by the People's Bank of China. Combine financial news, financial research and other magazines and publications to understand the direction and trend of bank reform. Financial trends, analyzing the opinions of financial experts, and paying attention to the reform of RMB exchange rate-since July 2, 2005, China began to implement a managed floating exchange rate system based on market supply and demand with reference to a basket of currencies. The RMB exchange rate is no longer pegged to a single dollar, forming a more flexible RMB exchange rate mechanism. In terms of product management, how do commercial banks try to carry out mixed operation step by step-one-card bank card and bank fund number issuance. In credit management, paying attention to the changes around us, the merger and reorganization of companies, and the rising costs and prices of iron ore, crude oil and labor will all affect the credit quality of enterprises. In my study, I deeply feel that learning is to improve, improve quality and strengthen my responsible attitude towards work. Every employee has the right and obligation to study!
(2) learn from the salesman.
While learning all kinds of related knowledge, I also actively learn from salesmen. Because the bank now implements the teller system, I have no chance to operate it, but it is from the study next to me that I have learned something outside of work. When banks put forward the principle of changing from product innovation orientation to customer orientation, it is the biggest challenge and test for salesmen. A salesman requires not only skilled business operations, but also how to communicate with customers and how to serve them. Service is better than management, and a good manager is a good server. At first, for that kind of newspaper, the manager's life with a cup of tea was completely changed here. Newspapers are a means to understand customers and banks. Tea is for customers. "Create a learning organization and strive to be a learning employee". The diligent learning spirit of every employee promotes the extensive development of banking business.
(c) Learn from account managers.
The quality of customer resources determines the profitability and competitiveness of the banking business structure. Implementing customer knowledge management can improve the development and utilization of customer resources. During my internship, I summarized the structure of customer knowledge management and enriched it with theoretical knowledge and time.
Improve the relationship between banks and customers, expand business space and develop profit sources. In the process of serving customers, I know and understand how GDB makes use of the scarcity of capital in the case of large total assets but insufficient capital. It is the pursuit of every customer to get the maximum benefit with the minimum economic cost. Capital's pursuit of profit determines that capital is restless, and only innovative financial products can save economic costs.
Third, contact this major.
At present, banks have changed from administrative management to business management, and banks have developed application and management systems, which shows that the focus of bank informatization construction has expanded from comprehensive business systems to management information systems with management level, and the goal of informatization construction has shifted from improving business processing efficiency to improving business decision-making and comprehensive management level. GDB started late because of its low understanding of management. So there are many management problems.
(1) The essence of management informatization is to apply the deep content of management to the process of informatization, which inevitably involves process reform and interest adjustment of management subject and object, so there is great resistance. Moreover, China's banking industry now only focuses on increasing the types of business and how to improve the efficiency of business processing, and has little involvement in the cost management of back-office management. Therefore, the establishment of a powerful bank background management information system, including financial management and human resource management, has become the main theme of reform in the next few years.
(two) institutions with similar functions are set up repeatedly; Different goals between departments hinder the integration process; Managers are unfamiliar with all kinds of business products and blind in business operation. Therefore, it is suggested to use the division system instead of the matrix system for flat management.
(3) Fine vertical division of labor, long management chain, low overall service efficiency, many horizontal departments, single function, low overall service capacity and low human resource allocation efficiency.
I think that reform needs a strong reform team, and effective incentive and restraint mechanisms, competition mechanisms and salary assessment mechanisms can mobilize people's enthusiasm. In the reform, we should also pay attention to the principle of cost-effectiveness and the principle of combining responsibility with rights.
Four. abstract
"I think it's an armchair strategist. I don't know if it should be done." During my short internship, I deeply felt my shallow knowledge and lack of professional knowledge in practical application. At first, I felt at a loss about some jobs, which made me feel very sad. At school, I always thought I was doing well. Once you come into contact with reality, you don't know how little you know, and you really realize the meaning of "endless learning".
A journey of a thousand miles begins with a single step. The short and substantial internship in these two months, I feel that it has played a bridge role for me to go to society. Transitional role is an important experience and step in my life, and it will also be of great help to my future work. Some basic principles of being a man, such as asking for advice with an open mind, observing organizational discipline and unit rules and regulations, and communicating with people in a civilized way, should be conscientiously implemented in real life and good habits should be cultivated constantly in real life.
Internship has both bitterness and sweetness. There are multiple thresholds on the smooth road, which are both challenges and opportunities. This threshold may be an obstacle or a ticket to another world.