The self-evaluation of bank internship can be described from three aspects. First, you can describe what problems you have encountered during the internship. Second, we should describe what knowledge we have learned during the internship. Third, describe your shortcomings and how to improve them in the future.
Self-evaluation of banking business 1
In the summer of 20__, I was lucky enough to get the internship opportunity of Wuhan China Merchants Bank and successfully completed the graduation internship plan. This internship lasts for 40 days. The specific internship location is China Merchants Bank ~ ~ Sub-branch, and the internship department is the personal loan department. During the internship, I contacted the bank's personal housing loan, personal revolving credit, personal consumption loan and other businesses, and gained a lot in the internship.
The details are as follows:
First, the internship unit profile
China Merchants Bank was established on April 8, 1987. It is the first joint-stock commercial bank in China headquartered in Shenzhen. At present, it has branches in more than 30 large and medium-sized cities in China and Hong Kong, with a total of more than 500 outlets. A representative office has been set up in the United States, and correspondent bank relations have been established with more than 90 countries and regions around the world. China Merchants Bank Wuhan Branch was established on February 25th, 1992, which is one of the earliest joint-stock commercial banks in China. Since its establishment, CCB has been adhering to the business philosophy of "changing with the situation, changing with you", giving full play to the institutional advantages of joint-stock commercial banks, making pioneering contributions to the reform and innovation of the banking industry and supporting the economic construction and the improvement of people's lives in Hubei.
China Merchants Bank Wuhan Branch _ Kou Sub-branch is a business outlet directly under China Merchants Bank Wuhan Branch, located near Hankou _ Kou District Gymnasium, with a large flow of people, convenient transportation and large business volume. The personal loan department of _ Kou Sub-branch achieved the third best performance of the branch this year.
Second, the internship materials
The 40-day personal loan internship experience has given me a deeper and more comprehensive understanding of the product types and business categories of the bank's personal loan department, namely, mortgage, car loan and revolving credit &; Borrowing and repayment, easy consumption, personal business loans, etc. The characteristics and advantages of each product are analyzed and compared in detail.
I carefully studied the "Personal Loan Department Account Manager's First-hand Housing Operation Manual", learned the basic process of housing loan processing, learned how to divide customer groups in one step, standardize product matching, collect customer loan information, save time and effort, and learned the matters needing attention in customer interviews and the handling methods of many difficult problems. In the whole process of following the account manager to communicate with customers, helping customers to prepare loan application materials until signing the bill and making loan materials, I combine the theoretical knowledge I have learned with practice and constantly improve my business skills in practical work.
In the process of signing the bill, you will meet many people from other places to buy a house in Han. A foreigner refers to a loan applicant whose registered permanent residence is no longer the location of the loan bank (Hubei area) and who has no job in the local area (Hubei area). At this time, according to the regulations of China Merchants Bank, the applicant should provide local relatives, friends and other people who have maintained stable contacts with him as contacts, and ask the contacts to provide China Merchants Bank with information such as ID card, work unit, telephone number and mailing address, and fill in the personal credit evaluation form.
Our review of customers' credit status generally focuses on loan status, current overdue status, cumulative overdue times, repayment records of loans in the past 24 months, repayment information and other concerns. When the customer is overdue, ask the customer why it is overdue, and determine whether it is credible according to the customer's account. At the same time, customers are required to provide repayment records or running water, and the main pen is blended. If proof cannot be provided, the customer needs to issue a written statement to explain the reasonable reasons for its non-malicious overdue, promise to repay the principal and interest of China Merchants Bank on time, and provide proof that it is not overdue at present.
During my internship, I also encountered several large and small adjustments of national policies and regulations, which deepened my understanding of relevant national laws and regulations and realized the close relationship among national policies, real estate developers and banks.
Third, the internship harvest
During these forty days' work and study, I have a lot of feelings and gains, and deeply realized the great difference between social practice and textbook theoretical knowledge. After entering the workplace, everyone's starting point is zero, and there is still a big gap between the requirements for employees' skills at work and the quality of books we study at school. Only by paying more sweat and efforts can we do our job well and live up to the original intention of the internship unit to provide valuable internship opportunities. I am very grateful to my colleagues for their unreserved "answering questions in class" and their tolerance and patience during my internship. I have got great exercise and improvement in my work and life, and made great progress and great gains.
As an intern, I always greet my daily work with an enterprising and enthusiastic attitude, communicate happily with every colleague, establish good interpersonal relationships, be energetic, take the initiative to learn, do things in a down-to-earth manner, be modest and low-key, learn from colleagues in all aspects of business knowledge, ask colleagues for experience and skills, and work hard with colleagues to complete all the work, ensure the smooth operation of the department, try my best to realize my own value and create benefits for the department. At work, I always remind myself of the existence of personal loan risks and take every task seriously.
This internship made me deeply understand and practice several important lessons. The strict implementation in the follow-up work made me feel the joy brought by rigorous work-I should think twice before doing anything, whether it is work or life, and be cautious in everything. The daily work should be organized, important documents should be put away, and things should not be put away casually, because maybe you know where to put them, but others will not understand whether this thing is useful or not, and whether it is necessary to keep it. To be a person with rigorous thoughts and actions, you should take your time and improve your efficiency. These lessons will continue to urge me to pursue a better self-state in my daily work and life.
After 40 days of internship, I got a comprehensive and systematic exercise, improved my professional knowledge and skills, and learned a lot of philosophy of life that books can't learn. I believe this internship will be a turning point in my life. It is not only a valuable stepping stone to my job search, but also a stepping stone to my maturity! In the future, I will continue to give full play to my intelligence with a vibrant and energetic spirit. I will be able to realize my value under my own struggle!
Self-evaluation of bank work practice II
In this winter vacation, I was lucky enough to practice in the _ _ _ branch of the bank. It took me a month to experience the hardships of the bank, learn the business, understand the working environment, step into the society ahead of time, and have a clearer understanding of my current position and future development direction. I have an objective perceptual knowledge of what I learned in school, which makes me fully understand the relationship between theory and practice. The materials involved in my internship are mainly accounting business (corporate business), and others are generally called savings business, _ _ _ business and loan business. Although the internship is only one month, I have learned a lot outside school during this precious time. While enriching and practicing professional knowledge, I also felt the lack of self-knowledge and established my belief in enterprising learning.
During the internship, I study with an open mind and finish my work tasks seriously. My department is the business department of the company. The working materials are mainly sorting out documents, filing documents, copying materials, auditing materials, etc. I wander upstairs and downstairs every day. Although the work is simple, I have learned a lot of experience. During my internship, I was also sent to the bus station as a volunteer to serve the passengers returning home during the spring break. After this internship, the change of work attitude is an important asset in my life. "The technical level can only make you reach the necessary level. Treating people and being serious and responsible for your work are the real magic weapon to improve you.
When I first entered the business, I didn't adapt. The attitude of doing things, the wording of speaking, and the communication between classmates are very different. The working attitude of my colleagues in the industry made me deeply understand the hard work and pressure of working in state-owned enterprises. It also strengthened my determination, studied hard and improved my belief in quality. Because I haven't touched it before, I don't understand many business and professional terms. But under the guidance of the "master", I quickly adapted. I also have a new understanding of banking work. Real banks may be different from what you think. Maybe everyone will think that the working environment of the bank should be comfortable and quiet, but in fact, the bank is a very noisy environment, with the sound of printers, counting money and knocking on stamps. The work in the bank is very busy. I repeat the same work every day. Although I am very tired, I feel very happy and satisfied. Old employees skillfully handle the business proposed by customers, professional answers, flexible fingering, quick handling and good mentality are all my learning goals.
After 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 necessary distance between the actual work and the knowledge in books, and further study is needed. Although the business of this internship is complicated and simple, it gives me a more comprehensive basic business in the bank, not limited to books.
Understand. Especially for corporate business, it 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 exercises are particularly important. 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.
Self-evaluation of bank work practice 3
Time flies, I have been practicing in _ _ bank for almost two months, and I have experienced marketing from lobby to community for two months. Even looking back, I have a lot of feelings! Both myself and Shanghai Pudong Development Bank are growing, and everyone feels differently. For me, the financial services and excellent financial management of Shanghai Pudong Development Bank have given me great inspiration; But the fierce competition in the banking industry has made me have a profound experience.
Internship experience: teamwork and cooperation are very important. Society is different from schools, and sustainable marketing needs vitality.
Feeling 1: Team strength and cooperation are very important. Teamwork can achieve unexpected results. I remember once in a weekend training class, brother Lu of the branch played a stick game with us. Eight people raised a stick with their index fingers and then slowly put it on the ground. In the process of descent, if anyone's index finger breaks away from the stick, he must start again. Every time you do it, someone's fingers can't keep up with the rhythm, so everyone readjusts their strategies. After dozens of repeated drills, it finally succeeded. This tells us that teamwork is one of the necessary qualities for success.
As interns, we have systematically trained many businesses of banks, but in practical application, the problem is that there are many loopholes, so it is difficult to master so many businesses in a short time, so we decided that everyone should specialize in one business. When we go to the community to do marketing promotion, if customers ask about unfamiliar business, the people in charge of this business in the group will answer. Sure enough, the effect is obvious, and interested customers can go to Pudong to handle the corresponding business.
Feeling 2: Society and school are very different. We have been living in an ivory tower and have little contact with society. When we really step out of school, we feel that school life is simply enjoyment. When you enter the society, you have to learn everything. During my internship at Shanghai Pudong Development University, I was assigned to a branch school far away from Hankou. Get up early every day and take a bus for more than two hours to get to the line. I waste most of my time every day. I'm very tired. What should I do, solve it myself? The opportunity has been given to you, it depends on how you grasp it.
When you take part in a job, you have to start with small things. I thought that internship in a bank must be sitting in an air-conditioned office, but there is a big gap between reality and expectation. Our work starts from the marketing community. Every day, in the heat, we introduce our Pudong development to our customers. I remember a philosopher said: Do everything well and accumulate every character. When we are used to doing every little thing well and doing it perfectly, we have achieved professionalism. You may be able to correct your mistakes at school, but if you go out into the society, you will have to bear the consequences of your mistakes.
Feeling 3: Continuous marketing needs vitality. Marketing is a long-term and energetic work. My branch is newly established, and many businesses need us to expand. This requires us to target several fixed customer groups for marketing. How do customers know about Shanghai Pudong Development Zone? Understanding Shanghai Pudong Development Zone is our primary task. Then, customers can go to Shanghai Pudong Development Zone to handle various businesses and feel our financial services. The first few days felt that we were very unpopular in the community, which was also our most difficult day. Slowly, we found that customers would take the initiative to understand Pufa. We have found a skill in marketing, that is, continuous marketing. So we split into two groups. A group has been marketing the community of veteran cadres of naval engineering for a long time, and our group has been marketing the faculty community of Tongji Medical College for a long time.
However, every customer's transaction is not overnight, and it needs repeated understanding and communication. Over time, it is easy to get tired and slack. If this kind of emotion occurs, it will directly affect customers and cause losses to the company's image and economic benefits. This requires us to be energetic. Without energy, work will become as dull as chewing wax. Continuous marketing should always be full of enthusiasm, treat every explanation and communication with customers as a personal expression of respect, devote yourself wholeheartedly, and slowly give others trust. Only in this way can we get more information from our customers, which will help us to develop our business better.
Practical thinking: the defects of bank wealth management products and the design of bank internal structure should be rationalized.
The competition between high-end customers and high-end businesses has become the focus of the banking industry.
Thinking 1: Thinking about the high yield of bank wealth management products? During the two months of internship, more than 10% high-yield posters attracted customers' attention for the wealth management products launched by banks one after another. During my internship in Shanghai Pudong Development University, I was most exposed to wealth management products. I think the biggest problem in the market of bank wealth management products at present is that the information about wealth management products is completely opaque, and customers simply can't know what the annual yield of this product is.
I remember when I introduced wealth management products to customers, customers told me that wealth management products were risky and the highest income could not be counted as deposit interest. However, when most investors don't know about wealth management products, they don't get such information when they buy bank wealth management products.
During my internship in Pufa, I had no idea when introducing products to customers. Only banks know how much money 0- 17% or 0-20% floating income can give customers. What will banks look like in customers' minds if they give zero income? To tell the truth, I have many questions about myself.
Therefore, I think that investors should enhance their risk identification ability for the wealth management products launched by banks. For banks, for their own long-term interests, all relevant information must be passed on to customers. In order to compete and grab customers, banks vigorously publicize the expected maximum rate of return, and there have been many scenes where the expected rate of return and the expected maximum rate of return are quite different. Investors need to "keep their eyes open" and choose carefully. For the long-term development and research, commercial banks should also cherish their own reputation.
Thinking 2: (structural design of the bank) The internal structural design of our Qiaokou Sub-branch is not very dreamy. I think whether it is the personal banking department or the comprehensive marketing department, entering the bank should give people a feeling of great momentum and security, instead of two or three windows, just a row of chairs. If banks want to solve the problem of long queues, they must improve the efficiency of handling business and separate cash business from non-cash business.
Thinking 3: The competition between high-end customers and high-end businesses has become the focus of banking competition. Banks have also entered the buyer's market, and 80% of the profits of the banking industry come from 20% of high-end customers. With the entry of foreign banks and the development of private banking, the competition between high-end customers and high-end businesses has become the focus of banking. Foreign banks will gradually introduce their products of various grades abroad to China, which is likely to be favored by many high-end customers. In foreign exchange, wealth management and personal business, foreign banks may occupy a considerable market share. Therefore, our domestic banks need to speed up the transformation and be prepared to compete with foreign banks.
Bottom line: I think the great challenge facing the destination bank still comes from the banking industry itself. The first is the management system of banks, starting from traditional credit and transforming into retail banks. Secondly, the service concept should be changed. The buyer's market in the banking industry challenges the bank's position as the boss. It turned out that customers were looking for banks, and now banks are looking for customers on their own initiative. Third, the quality of our bank employees needs to be greatly improved, and we must put the concept of mechanical service to customers in the first place.
Internship Note: The summer in Wuhan is extremely hot and difficult, but it has not destroyed the vitality of our young people. I cherish every bit of studying in Pudong and thank my brothers and sisters for their teaching and guidance. As President Yao said, internship in Pudong is painful and enjoyable. "
Self-evaluation of bank work practice 4
I stayed in _ _ bank for a few days, and got a general understanding of some systems inside. Let me give you my opinion. (Mainly for Nanjing _ _ Bank)
I think _ _ bank is more suitable for people who want to live a comfortable life without much competitive pressure, especially girls. _ _ The welfare of the bank is very good. A well-off society is not a problem, but it will not make you rich, and there will be no earth-shattering career, because the system is there. Many rules bind your hands and feet.
People in China Bank can be roughly divided into two categories, internal and external. The staff is prepared by _ _ Bank. Relatively speaking, the starting point of wages is relatively high, and the welfare benefits are also relatively good. Interns who have just joined the work can only become full members after six months to one year. Before becoming a regular employee, the monthly salary was only more than _ _ _, and it may rise to more than 3,000 after becoming a regular employee. The bleak part of the supernumerary is to enter the Bank of China through the talent market, not the establishment of the bank, and the contracts signed are different. The internship period is one year, and the monthly salary in this year is only 1000, and all benefits are half that of regular employees. But it is said that there will be a formal exam or something. I haven't figured this out yet, so let's leave it at that for the time being.
The work of China Bank is not difficult for our card department. Anyone can do it with a little training. So many colleagues I work with are college students or night school students. However, many of them go on to further their studies after work, either with double degrees or university degrees. In a word, it is important to continue studying.
In addition, I also learned that there is a qualification examination for bank employees. This certificate doesn't seem to have a high gold content, but it is generally recognized in the banking industry. It is a bit like a third-class computer certificate, which can be tested or not. The exam shows that you are more motivated. Anyway, I was reading this basic book when I was idle during my recent internship. It was boring and most of it was useless. Not like cpa.
_ _ There are many related households in the bank, so the interpersonal relationship is more complicated. Some people have qualifications, some people have backgrounds and some people have connections. In short, good and evil people are mixed, and if you want to develop well in it, you must learn how to deal with interpersonal relationships. In fact, many banks are much better than _ _ banks, including some joint-stock banks and local banks. Such as China CITIC Bank and Bank of Ningbo. . It's just that BOC has the strong backing of the country, so it is relatively stable. Therefore, choosing to enter the Bank of China depends on one's personality.
The above is my humble opinion. If there is any mistake, please correct me!
Self-evaluation of bank work practice 5 pages
At noon on August 19, a student appraisal meeting was held in the conference room on the third floor of the head office of _ _ Bank. Wu Yong, personnel manager of Lucheng Stock Company, Ye Jibo, secretary of the department, Wang Saizhi, director of the financial and securities teaching and research section, and all interns attended the meeting.
The meeting was presided over by manager Wu Yong, who first talked about his two feelings: First, he was moved, which was the biggest internship in the history of Wenzhou Lucheng Cooperative Bank; Secondly, I am glad that everyone has gained something. Feedback from various departments, offices and sub-branches is satisfactory. Interns can abide by the rules and regulations and complete various tasks well. Next, the intern evaluates his internship for one and a half months. Students all feel from the bottom of their hearts that Lucheng Cooperative Bank and school can provide them with such good internship opportunities. They learned a lot that they couldn't learn at school. How to use theoretical knowledge and practical skills has also been strengthened. They understand the various processes of bank operation and understand the importance of etiquette, carefulness, communication skills and interpersonal relationships. At the same time, I feel that I lack skills (such as five-stroke input, counting money, using E_CEL, etc. ), as well as the familiar operation of office equipment, should be further strengthened in the future study. After the interns talk about the appraisal, they will hold a commendation meeting to commend and reward the outstanding students in the internship. Subsequently, Secretary Ye Jibo made an important speech. He pointed out that internship is an indispensable part of life, especially during college study, and put forward four expectations for students: first, expect students to be careful, patient and responsible; Second, students are expected to handle interpersonal relationships well; Third, students are expected to learn theoretical knowledge well and standardize operations; Fourth, I hope students can practice their skills. Finally, Wu Jingli spoke. He pointed out that no matter whether our classmates can come to Wenzhou Lucheng Cooperative Bank in the future.
Work, after this internship, everyone is friends first, and he also puts forward three expectations for his classmates: First, he expects his classmates to be active in their work. Second, communication, expecting students to regard themselves as social people and exercise their communication skills at work. Third, study, which is a necessary condition for growth. Only by continuous learning can we improve ourselves. Finally, he thanked the school and sent outstanding students to the bank for internship. At the same time, he felt the hard work of the interns. Students can enter the bank through job fairs, and they also expect most students to be their customers.
After professional practice, students generally feel that the practice combined with major is closer to the society, and they also feel their own shortcomings. They expect to strive to improve themselves in the last year of study, constantly improve their professional quality and comprehensive skills, and lay a good foundation for their high-quality employment.
The above is what Bian Xiao shared today, and I hope it will help everyone.