An internship is coming to an end. Looking back on the internship experience during this period, we have gained not only years, but also growth. I think it is necessary for us to make a summary of our internship life. But many people talk about writing internship summary without a clue! The following is a summary of my financial management practice (5 general remarks) for your reference, hoping to help friends in need.

Summary of Financial Practice 1 As a sophomore majoring in finance in university of international business and economics, I have a preliminary understanding of the system and operation mechanism of commercial banks through studying basic courses such as money banking and financial markets in the past year. But in the process of learning, I also realized that what I have learned is basically the theoretical knowledge of western developed countries, which is different from the actual situation of banks in China at this stage. Therefore, under the background of the full liberalization of RMB business, the independent establishment of China Banking Regulatory Commission and the signing of the New Basel Capital Accord, I think it is very necessary to practice in China's commercial banks to understand the development status of China's commercial banks, which is also conducive to the next stage of professional courses. Huaxia bank, as a state-controlled joint-stock commercial bank established in 1992, not only retains the nature of state-owned banks, but also has the vitality and vitality of joint-stock banks. Therefore, I am honored to be an intern in Huaxia Bank Yulin Sub-branch and get a valuable exercise opportunity.

The credit department is the main department of my internship, and I have a general understanding of the following four main businesses: loan business, bank acceptance bill business, bank acceptance bill discount business and guarantee business.

As the profits of China commercial banks are still mainly deposit-loan spreads. Therefore, the credit department plays an important role in banks, and the internal supervision from superior branches and the external supervision from the central bank are very strict. When an enterprise applies for credit business, the bank first gives a credit rating to the enterprise and reports it to the branch, sub-branch or head office at the corresponding level according to the specific credit limit. Then the credit audit department approves the maximum credit limit, which is credible. Finally, the bank gives the corresponding loans to the industry according to the approval of the higher authorities and the actual situation. Moreover, every transaction will be reported to the central bank's database through the credit information system of commercial banks, which is not only convenient for superior audit, but also allows other banks to understand the credit situation of enterprises and enjoy resources. The main benefits of credit supervision are:

1, which strengthened bank credit control and reduced risks. The larger the credit line, the higher the level of the required audit unit. It also reduces the possibility of illegal loans and is convenient for banks to supervise interbank credit.

2. Information communication between commercial banks has been strengthened. Because when each enterprise applies for credit business, the central bank imposes a unique loan number on it. According to this number, the detailed information of the enterprise and every credit business are recorded in the database of the central bank, and any commercial bank can check its credit information at any time through the number and password provided by customers to avoid repeated loans.

3, conducive to the central bank's policy regulation of overheated or supercooled industries. For example, the recent overheating of steel, cement or electrolytic aluminum industries has led the central bank to tighten credit in related industries. Therefore, in the face of corporate credit in this industry, commercial banks will not pay attention to the credit rating of enterprises, but focus on the central policy, prudently lend money, and curb the overheating of the industry.

4. Increase the intensity of loan recovery. Through the five-level classification of loans, supervision has been strengthened, and the credit situation has been analyzed and quantified in detail, which has reduced moral hazard and avoided the generation of bad debts and bad debts. However, the immaturity of China Commercial Bank is also obvious: should we try to enter a life other than rest because of the long summer vacation?

(1) The bank's income is single, mainly based on the deposit-loan spread, and the profit margin is narrowed. At present, foreign mature banks operate a wide range of businesses, among which the proportion of off-balance sheet business and intermediate business is gradually increasing, even becoming the main income, which also reduces the changes in assets and liabilities and reduces operational risks. The direct cause of China's current situation is that relevant laws and regulations strictly prohibit commercial banks from engaging in other businesses. Also formed the current "separate management, separate operation" in China. The single income makes the bank's profit behavior depend on reducing costs. For commercial banks, the main aspect is to reduce the number of employees. Take Huaxia Bank Yulin Branch as an example. There are only four employees in the credit department. Compared with a branch of China Bank, where I later worked as an intern, the business volume was only half, but the number of employees was a quarter. This also reflects from another aspect that it is extremely necessary for the four major state-owned commercial banks to "simplify administration and decentralize power". On the other hand, it is to integrate business outlets. According to incomplete statistics, China Bank Chengdu Branch has cancelled 1 branches and 4 sub-branches in the first half of the year. Therefore, at present, the means for banks to increase profits is relatively simple.

(2) SMEs have difficulty in obtaining credit. Due to the weak anti-risk ability of small and medium-sized enterprises, the credit line assessed by banks is very small, or it is difficult to get loans. Although the introduction of the second-board market has alleviated the financing difficulties of high-growth SMEs to some extent, many SMEs that do not have the above characteristics or are in urgent need of short-term capital financing still hope for bank loans. Now, banks have launched factoring business to provide discount services for small and medium-sized enterprises holding promissory notes issued by large enterprises. However, large enterprises are unwilling to cooperate because of complicated procedures, which makes it difficult to carry out factoring business. From the bank's point of view, the credit business is mainly large and medium-sized enterprises, and the profit is single, which is not convenient for the bank to diversify its profits.

(3) The subjective factors of bank loan rating account for a large proportion, and the calculation variables of the credit limit formula are few, ignoring a large number of other factors that affect the repayment ability of enterprises. At present, the standards and formulas of bank credit rating are not uniform, and there are differences among banks. Take Huaxia Bank as an example, the manager part of the credit rating is based on the subjective rating of the business manager, and there is no objective basis. The formula for calculating the credit line is also mainly three rough variables: enterprise assets, liabilities and previous income. Therefore, in practice, the general reflection is of little use, or it depends on the decision of the person in charge. At present, the role of the CBRC is to provide advice, and the CBRC is still dominated by superior banks and the central bank. In this way, enterprises may not be able to repay on schedule. Later, I worked as an intern in the customer service department of the bank.

What impressed me most was the bank's control over personal housing mortgage loans and the central bank's strict control over cash deposits in settlement accounts. Personal housing loans account for a large proportion in the personal credit business of banks. Huaxia Bank is currently forming a trading partner with Blu-ray Real Estate Group to provide loans to customers of Blu-ray Group. Blu-ray Group has signed a repurchase agreement with the bank, paid a deposit, and fulfilled its obligation to repurchase customers' houses when customers are unable to repay their loans. In this way, bank loans have stimulated the business development of real estate developers, and repurchase agreements have greatly reduced the operational risks of banks. However, in recent years, real estate speculation has gradually attracted the attention of banks. They usually buy a large number of houses through personal housing mortgage loans in the name of themselves or their relatives and friends. There is even a phenomenon that three customers buy out the whole property. At present, it seems that such real estate groups or individuals can usually repay loans on time, and the signing of repurchase agreements makes banks basically have no operational risks. But as soon as they saw the house price rise, they immediately paid off all the loans to obtain property rights and sold them at once for profit. Due to the short loan cycle of real estate speculators, banks get little loan interest or even it is difficult to recover the loan cost. Therefore, at present, the bank has a strict review of this business, and customers who come to Chengdu for short-term residence in other places basically do not handle this business.

Since last year, the central bank has issued a new regulation: withdrawals from settlement accounts can only be made through its basic account, and the amount exceeding 50,000 yuan must be reported to the central bank for approval. Because savings accounts cannot be transferred, and settlement accounts are strictly controlled. Of course, according to the special requirements of individuals and enterprises, temporary accounts and special accounts are ordered to be set up under the settlement account, but the conditions for opening accounts are high and there is still time limit.

The direct purpose of the state to refine the management of bank accounts is to strengthen the supervision of cash, and the ultimate goal is to crack down on criminal activities of tax evasion. Because each fund can only flow between bank accounts, it is difficult to realize it without authorization, and the flow of funds is well recorded. Therefore, the regulatory authorities and the tax authorities can keep abreast of the funds and flows between enterprises, and at the same time, they can focus on checking the legality of large amounts of funds, thus maintaining the stability of the financial market. However, in practice, there is no specific provision for the amount below 50,000 yuan in the rules, and there are no relevant laws and regulations for the number and total amount of withdrawals. Therefore, there is a loophole in theory: the large amount of money is dismantled in the form of ants moving to escape supervision.

In fact, this practice has existed for a long time, just because the number of withdrawals has increased and the procedures are complicated. At present, banks only handle close customers. Through this internship, I have deepened my understanding of state-owned commercial banks, got a preliminary understanding of the main work at this stage, and gained a lot. At the same time, I would also like to thank the leaders of Huaxia Bank Yulin Branch for their support and help.

Summary of Financial Practice 2 After 65,438+0.5 months of banking practice, I have an objective perceptual knowledge of what I learned at school, which makes me fully understand the relationship between theory and practice. The materials involved in my internship are mainly the third-party depository business, and others are generally called savings business, credit card business and loan business. The work includes simple entry and statistics first, and then the front desk marketing and reception work.

Practice materials

In the first two weeks of my internship, I studied the basic work of the bank, such as entry, statistics, tabulation and rechecking, in the electronic products department of Wujiaochang Sub-branch. Through these simple work, I learned the basic operation process of bank card business. A seemingly simple credit card before working in a bank must go through a series of complete and rigorous procedures such as evaluation, review, entry, review, filing, preparation and printing. Errors in any of these links will bring tedious correction work. At first, I thought I was completely competent for simple computer operation, and gradually realized that the most important thing is not speed, but accuracy. In addition to the operation process of bank cards, when doing some chores, such as telephone contact with various business personnel and lobby managers, I also deeply realized that banks are not simple channels for depositing and withdrawing money, but a sexual and complete financial institution. The bank's back-office business is also all-encompassing, and each department has its own operation process. This time, I contacted the Electronic Products Department to study the third-party depository business.

After two weeks of study, I was lucky enough to be assigned to the business outlets of Huangxing Institute to handle the third-party depository business at the front desk. Every day, a bank operator and three interns and I come to Jiantou Securities Office in Yingkou Road Center to promote the third-party depository business. "Third-party depository" means that the securities trading settlement funds of securities company customers are deposited by banks, and the depository banks are responsible for the deposit and withdrawal of customers' funds and the delivery of funds according to the requirements of laws and regulations, and the securities trading operation remains unchanged. We should do a good job in introducing and marketing the new business just introduced in this country. In the stock exchange, most of them are retirees, and there are not a few older people. In addition to patiently explaining, we will also bring them various conveniences and help them apply and use according to their needs. Introduction, answering questions, filling out forms, copying, binding, running up and down, these seemingly simple tasks are pieced together, but they are much more difficult than computer entry in the office. But this kind of "people-friendly" internship has taught me a lot and gained a lot: to do a good job, even a business, we really have to think about them from the customer's point of view and touch them with sincerity, especially the public protagonist like the bank, who always asks for self-service with a serious and rigorous attitude.

As a new business, third-party depository not only gives the securities market a new atmosphere, but also gives me a brand-new strength, which not only gives me a simple business operation method, but also gives me a profound cognitive experience behind my work-how to be a good banker.

Experience gained in internship

This internship, in addition to giving me a necessary understanding of the basic business of ABC and being able to carry out basic operations, I feel that I have also gained a lot in other aspects. As I have been living in a simple university campus, this internship has undoubtedly become a platform for me to step into society and laid the foundation for my future step into society.

First of all, I think a big difference between a school and a unit is that you must have a strong sense of responsibility after entering the society. At work, we must have a strong sense of responsibility, be responsible for our own posts and our own business. If the work that should be completed is not completed that day, the clerk must work overtime; If you don't notice the mistakes, you must also be responsible for correcting them.

Secondly, I think everyone must stick to their professional ethics and strive to improve their professional quality after work. As the saying goes, to do a job, you must understand the rules of a job. I have a deep understanding of this from my colleagues in the internship unit. For example, some enterprises need identification documents. Although customers may have self-knowledge and ask the other party to show their certificates, when the other party has something to complain about, they always patiently explain why they do it. At present, banks are similar to the service industry, so the working attitude of staff is particularly important, which I have personal experience.

Finally, I think that after the actual work, education is not the most important, mainly depends on the personal business potential and communication potential. Anyone can do any work after a long time, and the potential of hands-on in practical work is more important.

So I realize that the real purpose of our internship is to combine what we have learned in college with more practice, and to test the truth with practice, so that an undergraduate has a strong potential to deal with basic practice and system professional knowledge.

I am very grateful to the internship unit for giving me such a good internship opportunity, which made me learn a lot, grow a lot and gain a lot.

Summary of financial internship 3 At this time, I have been practicing in xx Finance for 5 weeks. As the president, I am a management intern. These five weeks of work have made me grow a lot in an instant. Different from my previous internship experience, this is my first formal job, so I have invested a lot of passion when I first entered the society. It is no exaggeration to say that this is the first time to integrate into a strange group so quickly. I am not a talkative person, especially not good at getting along with strangers, but I don't feel strange and stressed at all when I get along with my colleagues (including the boss) in xx Finance. Perhaps this is one of the advantages of entrepreneurial enterprises.

I chose xx Finance as my first job, of course, because it attracted me. Some people say that my choice is like buying stocks, but I don't think so. Although a startup like xx Finance is more risky than entering a mature company, what I value is not this, but what I can do here.

First, my understanding of the Internet finance industry

From the first day I joined the company, I have been asking myself "what is internet finance", and I am still asking myself this question today. Because it is always innovating and changing.

If you check online, Baidu Encyclopedia will tell you that "in a broad sense, Internet finance is the product of mutual integration and interaction between network technology and financial services, and all financial services carried out under the Internet and mobile Internet environment belong to the category of Internet finance; However, Internet finance in a narrow sense includes a third-party payment platform model, a P2P network microfinance model, a financial service platform model based on big data, a crowdfunding model, an online insurance model, and online sales of financial products. " But this is just an academic term. If we really want to understand Internet finance, I know that we must go deep into it, not only from the perspective of Internet finance companies, but also from the perspective of customers. Therefore, I began to try to manage my finances through the Internet. In my opinion, this is not an opportunity to make money, but an important way to learn Internet finance.

My major in college is finance, but there is no doubt that what we have learned is limited to "traditional finance". It may take another two years for textbooks to be included in the new thing of Internet finance. Before I joined the company, like many people, I was a "layman" to internet finance, and thought that the difference between internet finance and traditional financial industry was only the different media used in financial business. But this is not the case. When the extremely opaque traditional finance is merged with the extremely transparent Internet, everything changes. In Internet finance, the tenet of "openness, equality, cooperation and sharing" leads the traditional financial business to change to the direction of "more transparency, more participation, more cooperation, lower intermediate cost and more convenient operation"; In addition, the prevailing "relational sales model" in China no longer plays a leading role in Internet finance, and the effect-oriented sales model will put more emphasis on "product value", pay attention to amplifying the experience of customers and users, and let products convince customers.

At present, China's financial system has a high degree of monopoly, insufficient competition and opacity, and its service efficiency to the real economy is low. Financial services can't keep up with the pace of economic development, and genetic changes are urgently needed, and the most important force to promote this change is the Internet. Because of its advantages of open resources, intensive cost, market-oriented choice, independent channels and valuable user behavior, online finance will bring great impact to traditional banking business. The existing modes of Internet finance mainly include third-party payment, P2P, crowdfunding, big data finance, Internet currency, Internet information portal, etc., such as xx Finance, Rong360, lufax, etc. So why do these intermediaries exist? In traditional finance, after paying a lot of service fees to intermediaries, consumers can't get good service and have bad feelings about consumption, especially mistakenly thinking that the fees are collected by banks, so they have high expectations for banking services. The business of internet finance is mainly three things: information matching, formalities service and packaging of some borrowers. It has low fees and low barriers to entry, which can bring better service and consumption experience to customers.

The rise of Internet finance coincides with the critical period of financial reform in China, and is the inevitable result of financial system reform and the development of Internet technology. Internet finance is not only a useful supplement to traditional finance, but also will promote the improvement of China's financial efficiency and profound changes in transaction structure and financial structure. Internet finance has brought new challenges to the original financial industry, which is disintermediated, pan-financialized and fully intelligent.

Second, what have I learned?

1, my colleague

If only one word is used to describe xx finance, it is unity, which is also the most attractive place of the company. A group of young faces, innocent and lovely, show their passion and courage. They don't want to take the road that others have taken, but start their own new journey again and again.

Perhaps when we entered the company, everyone was ready to advance and retreat with the company, so few people cared about personal gains and losses at work, which really confirmed the entrepreneurial spirit of xx Finance-the company's interests are supreme. During the internship, most colleagues work overtime every day, no matter how late, they will finish their work before leaving. Some even work at home at three or four in the morning and work overtime on weekends without complaint, but they are full of passion. It is no exaggeration to say that they are on standby 7x24 hours a day. From these colleagues, I really understand that in a startup company, what you should care about is neither salary nor welfare. Your growth and dedication are your real gains and happiness.

For more than a month, I got along better and more freely with my colleagues around me. The whole company has always been harmonious. Colleagues always help each other, and the leaders are not harsh. On the contrary, they will guide you when you don't understand, remind you when you make mistakes, and encourage you when you succeed. I used to think that employees would do their duty only under strict rules, but I was wrong. In the environment of xx Finance, laziness and irresponsibility did not breed. On the contrary, it will make you always pay attention to the details of your work and always remember your mistakes. In short, it is not easy to have such a group of United and passionate colleagues. In the big family of xx Finance, everything is so natural.

2. My boss

The first thing I did when I entered the company was to attend the president's morning meeting. The first time I met the CEO, I was inexplicably nervous, perhaps because of his serious expression when he spoke, or because of the strength of his every move.

I have always been used to calling him xu teacher, although he doesn't have the boss's style, because I think the company is the company, so it is necessary to call him. But he always emphasizes calling him Xu, which puzzles me. But after a long time of contact, I understand that maybe he wants to close the distance with his employees, because he always regards us as his good friends and shares what he thinks is valuable to everyone, so that everyone in the company can grow up with him, thus promoting the growth of the company.

Mr. Xu is very busy every day and has little time in the company. He always says that his task is to find resources for the company, and our task is to make good use of these resources. He will give us a class as soon as he has time, but this class is not like a college class. There are no profound theories and no boring books. Every word he said is the experience he gained from practice. He seems to be used to treating us as children, and he will remind us whenever he thinks of trivial things. Perhaps because of this, he always seems to have endless hearts and things to do. He still shares new things with us every morning after 1 and goes to work with everyone the next morning. In my eyes, such a boss is definitely worth learning.

3. My future

I was still blindly submitting my resume to find a job before I joined the company. I don't know what I want or what I am suitable for. Xx Finance gave me an opportunity to know myself and let me see my own shortcomings. As xu teacher said, there are only two kinds of successful people: those with excellent professional skills and those who make good use of the resources around them. I, on the other hand, am neither. There is nothing suitable for a job. Only by doing it or not and seeing yourself clearly is the first step to success.

I feel lucky to be able to enter xx Finance as soon as I graduate. On the one hand, I think Internet finance is a promising industry, and xx finance is only the best in this industry. On the other hand, I am extremely satisfied with the company's own atmosphere and team, and I am convinced that this will be the right choice. Although up to now, the company has encountered different problems, but with the increasingly fierce competition in the industry and stricter government supervision, the future xx finance will definitely develop in the direction of more perfect industrial chain, wider geographical area, richer products and deeper transactions. I am convinced that the future of xx Finance is extremely bright, and I will realize my value in xx Finance. So from the beginning, I devoted myself to my work, and I didn't care whether I worked overtime or not, and I didn't care about my salary, because I knew what I needed most now, and I knew whether I and the company were honored or humiliated.

Summary of financial practice: the morning meeting starts at 4 8: 30 and ends around 9: 10. I go downstairs for lunch at 1 1: 20 in the morning and usually leave the company at 8: 30 in the evening. The rest of the time has been reading investment reports, market strategy analysis and writing reports, as usual on Saturday and Sunday.

My task is to study and predict the impact of bank wealth management products (China version of "shadow banking") on China's macro-control policies such as liquidity, monetary policy and credit control policy, predict its development prospects in the second half of the year and its impact on the capital market, and accordingly put forward investment allocation strategies for the bond market and interest rates. The full text of the investment report is about 25,000 words; Finally, PPT should be defended by researchers such as investment managers and fund managers.

Through writing, analysis, final defense and communication with investment managers and fund managers, I think that if you want to work in a fund company, become a researcher and become a fund manager, you must have the following qualities:

1, logic and architecture are very important. First of all, the level and structure of your report must be clear, which is not much to say and is necessary for any report; Secondly, logical thinking must be clear, that is to say, everything you say must be supported by strong logical thinking, and you are not allowed to talk nonsense here, let alone make some unfounded causal connections. Most people who have just left campus to start research work need to be strengthened in this respect, and their writing ability really needs to be improved. My graduate tutor is right. "Logic is the most powerful, because only logic can overcome logic!" "

2. To do research, you should have your own opinions. Summary of internship in financial companies. You can't "show movies", list existing phenomena and opinions, or basically repeat some opinions. The key to being a researcher is to have your own opinions and make your own opinion analysis by analyzing data, economy and policy environment.

3. The data is very important, although it was reported by our National Bureau of Statistics. Doing research often means looking for the text behind the data, so the ability to analyze and understand the data is very important, which requires very deep economic knowledge, knowing the meaning behind these data, knowing the meaning represented by the increase or decrease of these data and the impact on the macro economy, and even more knowing the logic between these data changes.

4, knowledge should be quite rich, in order to have a considerable grasp of macroeconomic operation. If you want to work in a fund company, you must study more and master all aspects of knowledge, especially in the fields of economics, finance, finance, monetary banking, statistical analysis and so on.

5. Be decisive and learn the ability to make decisions and react quickly according to the situation; Only with rich knowledge can we make a quick judgment after mastering the materials, and at the same time be very sober and dare to be different.

6, is to be able to think independently, have the ability to evaluate things objectively, not be dragged by existing views, and look at all problems critically.

Summary of financial practice. Through this internship, I have a certain understanding of the basic business of Agricultural Bank of China, and can carry out basic operations. I feel that I have gained a lot in other ways. As a person who has been living in a simple university campus, this graduation internship has undoubtedly become a platform for me to step into society and laid the foundation for my future step into society.

First of all, I think a big difference between schools and units is that they must have a strong sense of responsibility after entering the society. At work, we must have a strong sense of responsibility, be responsible for our own posts and our own business.

Secondly, I think everyone must stick to their professional ethics and strive to improve their professional quality after work. It is said that if you want to do a job, you must understand the rules of a job. I have a deep understanding of this from my colleagues in the internship unit. For example, some enterprises need identification documents. Although customers may be people they know, they will ask the other party to show their certificates. When the other party has something to complain about, they always patiently explain why they do it.

The working attitude of bank staff is particularly important. For example, when dealing with customers, you should first use honorifics, such as "Hello, please sign your name, please go slowly"; Secondly, when delivering information to customers, you must stand up and put your hands down. Finally, you must patiently answer some questions and inquiries from customers.

This made me realize that what is needed in real work is our rigorous and meticulous work attitude, so that we can develop in our own posts.

Finally, I think that in practical work, although education is very important, personal business ability and communication ability are more important. Anyone can do any work for a long time, and practical ability is more important.

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